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Loans (Tables) | 12 Months Ended
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Dec. 31, 2015
Loans |
Schedule of major classifications of loans |
|  | December 31, 2015 |  | December 31, 2014 |
Commercial |  | $ | 130,362 |  | $ | 119,158 |
Real estate - commercial |  |  | 605,721 |  |  | 600,629 |
Real estate - construction |  |  | 19,806 |  |  | 44,795 |
Real estate - residential |  |  | 351,007 |  |  | 370,191 |
Consumer |  |  | 4,216 |  |  | 3,504 |
Overdraft |  |  | 483 |  |  | 649 |
Lease financing receivables |  |  | 10,953 |  |  | 8,038 |
Other |  |  | 10,130 |  |  | 11,630 |
|  |  | 1,132,678 |  |  | 1,158,594 |
Net deferred loan costs |  |  | 1,037 |  |  | 738 |
|  | $ | 1,133,715 |  | $ | 1,159,332 |
Schedule of aged analysis of past due loans by class of loans |
. |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Recorded
|  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Investment
|  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 90 days or
|  |  |  |  |  |  |  | 90 Days or |  |  |  |  |  |  |  |  |  |  |  |  |  | Greater Past
|  | 30-59 Days |  | 60-89 Days |  | Greater Past |  | Total Past |  |  |  |  |  |  |  |  |  |  | Due and
December 31, 2015 |  | Past Due |  | Past Due |  | Due |  | Due |  | Current |  | Nonaccrual |  | Total Loans |  | Accruing
Commercial |  | $ | 394 |  | $ | - |  | $ | - |  | $ | 394 |  | $ | 140,848 |  | $ | 73 |  | $ | 141,315 |  | $ | -
Real estate - commercial |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Owner occupied general purpose |  |  | 652 |  |  | 119 |  |  | - |  |  | 771 |  |  | 123,479 |  |  | 1,254 |  |  | 125,504 |  |  | -
Owner occupied special purpose |  |  | 358 |  |  | - |  |  | - |  |  | 358 |  |  | 170,827 |  |  | 763 |  |  | 171,948 |  |  | -
Non-owner occupied general purpose |  |  | - |  |  | - |  |  | - |  |  | - |  |  | 166,668 |  |  | 975 |  |  | 167,643 |  |  | -
Non-owner occupied special purpose |  |  | - |  |  | - |  |  | - |  |  | - |  |  | 92,387 |  |  | - |  |  | 92,387 |  |  | -
Retail properties |  |  | - |  |  | - |  |  | - |  |  | - |  |  | 34,352 |  |  | - |  |  | 34,352 |  |  | -
Farm |  |  | - |  |  | - |  |  | - |  |  | - |  |  | 12,615 |  |  | 1,272 |  |  | 13,887 |  |  | -
Real estate - construction |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Homebuilder |  |  | - |  |  | - |  |  | - |  |  | - |  |  | 2,604 |  |  | - |  |  | 2,604 |  |  | -
Land |  |  | - |  |  | - |  |  | - |  |  | - |  |  | 1,137 |  |  | - |  |  | 1,137 |  |  | -
Commercial speculative |  |  | - |  |  | - |  |  | - |  |  | - |  |  | 2,117 |  |  | 83 |  |  | 2,200 |  |  | -
All other |  |  | 6 |  |  | 77 |  |  | 65 |  |  | 148 |  |  | 13,717 |  |  | - |  |  | 13,865 |  |  | 65
Real estate - residential |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Investor |  |  | 101 |  |  | - |  |  | - |  |  | 101 |  |  | 125,611 |  |  | 972 |  |  | 126,684 |  |  | -
Owner occupied |  |  | 1,083 |  |  | 446 |  |  | - |  |  | 1,529 |  |  | 110,885 |  |  | 6,378 |  |  | 118,792 |  |  | -
Revolving and junior liens |  |  | 344 |  |  | 68 |  |  | - |  |  | 412 |  |  | 102,500 |  |  | 2,619 |  |  | 105,531 |  |  | -
Consumer |  |  | 4 |  |  | - |  |  | - |  |  | 4 |  |  | 4,212 |  |  | - |  |  | 4,216 |  |  | -
All other 1 |  |  | - |  |  | - |  |  | - |  |  | - |  |  | 11,650 |  |  | - |  |  | 11,650 |  |  | -
|  | $ | 2,942 |  | $ | 710 |  | $ | 65 |  | $ | 3,717 |  | $ | 1,115,609 |  | $ | 14,389 |  | $ | 1,133,715 |  | $ | 65
|  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Recorded
|  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Investment
|  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 90 days or
|  |  |  |  |  |  |  | 90 Days or |  |  |  |  |  |  |  |  |  |  |  |  |  | Greater Past
|  | 30-59 Days |  | 60-89 Days |  | Greater Past |  | Total Past |  |  |  |  |  |  |  |  |  |  | Due and
December 31, 2014 |  | Past Due |  | Past Due |  | Due |  | Due |  | Current |  | Nonaccrual |  | Total Loans |  | Accruing
Commercial |  | $ | 38 |  | $ | - |  | $ | - |  | $ | 38 |  | $ | 125,658 |  | $ | 1,500 |  | $ | 127,196 |  | $ | -
Real estate - commercial |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Owner occupied general purpose |  |  | 699 |  |  | - |  |  | - |  |  | 699 |  |  | 126,029 |  |  | 5,937 |  |  | 132,665 |  |  | -
Owner occupied special purpose |  |  | - |  |  | - |  |  | - |  |  | - |  |  | 167,874 |  |  | 1,441 |  |  | 169,315 |  |  | -
Non-owner occupied general purpose |  |  | - |  |  | - |  |  | - |  |  | - |  |  | 153,328 |  |  | 4,907 |  |  | 158,235 |  |  | -
Non-owner occupied special purpose |  |  | - |  |  | - |  |  | - |  |  | - |  |  | 87,054 |  |  | 1,423 |  |  | 88,477 |  |  | -
Retail properties |  |  | - |  |  | - |  |  | - |  |  | - |  |  | 37,780 |  |  | - |  |  | 37,780 |  |  | -
Farm |  |  | - |  |  | - |  |  | - |  |  | - |  |  | 14,157 |  |  | - |  |  | 14,157 |  |  | -
Real estate - construction |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Homebuilder |  |  | - |  |  | - |  |  | - |  |  | - |  |  | 3,204 |  |  | - |  |  | 3,204 |  |  | -
Land |  |  | - |  |  | - |  |  | - |  |  | - |  |  | 1,658 |  |  | - |  |  | 1,658 |  |  | -
Commercial speculative |  |  | - |  |  | - |  |  | - |  |  | - |  |  | 13,431 |  |  | - |  |  | 13,431 |  |  | -
All other |  |  | 71 |  |  | 29 |  |  | - |  |  | 100 |  |  | 25,841 |  |  | 561 |  |  | 26,502 |  |  | -
Real estate - residential |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Investor |  |  | - |  |  | - |  |  | - |  |  | - |  |  | 135,273 |  |  | 1,942 |  |  | 137,215 |  |  | -
Owner occupied |  |  | 1,076 |  |  | 914 |  |  | - |  |  | 1,990 |  |  | 107,727 |  |  | 6,711 |  |  | 116,428 |  |  | -
Revolving and junior liens |  |  | 94 |  |  | 44 |  |  | - |  |  | 138 |  |  | 113,906 |  |  | 2,504 |  |  | 116,548 |  |  | -
Consumer |  |  | - |  |  | - |  |  | - |  |  | - |  |  | 3,504 |  |  | - |  |  | 3,504 |  |  | -
All other 1 |  |  | - |  |  | - |  |  | - |  |  | - |  |  | 13,017 |  |  | - |  |  | 13,017 |  |  | -
|  | $ | 1,978 |  | $ | 987 |  | $ | - |  | $ | 2,965 |  | $ | 1,129,441 |  | $ | 26,926 |  | $ | 1,159,332 |  | $ | -
1. The “All other” class includes overdrafts and net deferred loan fees and costs.
Schedule of credit quality indicators by class of loans |
December 31, 2015 |  |  |  |  | Special |  |  |  |  |  |  |  |  |
|  | Pass |  | Mention |  | Substandard 1 |  | Doubtful |  | Total
Commercial |  | $ | 136,078 |  | $ | 3,208 |  | $ | 2,029 |  | $ | - |  | $ | 141,315
Real estate - commercial |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Owner occupied general purpose |  |  | 123,827 |  |  | - |  |  | 1,677 |  |  | - |  |  | 125,504
Owner occupied special purpose |  |  | 171,185 |  |  | - |  |  | 763 |  |  | - |  |  | 171,948
Non-owner occupied general purpose |  |  | 163,956 |  |  | 1,908 |  |  | 1,779 |  |  | - |  |  | 167,643
Non-owner occupied special purpose |  |  | 88,468 |  |  | - |  |  | 3,919 |  |  | - |  |  | 92,387
Retail Properties |  |  | 30,432 |  |  | 1,490 |  |  | 2,430 |  |  | - |  |  | 34,352
Farm |  |  | 12,615 |  |  | - |  |  | 1,272 |  |  | - |  |  | 13,887
Real estate - construction |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Homebuilder |  |  | 2,604 |  |  | - |  |  | - |  |  | - |  |  | 2,604
Land |  |  | 1,137 |  |  | - |  |  | - |  |  | - |  |  | 1,137
Commercial speculative |  |  | 2,117 |  |  | - |  |  | 83 |  |  | - |  |  | 2,200
All other |  |  | 13,865 |  |  | - |  |  | - |  |  | - |  |  | 13,865
Real estate - residential |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Investor |  |  | 125,548 |  |  | - |  |  | 1,136 |  |  | - |  |  | 126,684
Owner occupied |  |  | 111,713 |  |  | - |  |  | 7,079 |  |  | - |  |  | 118,792
Revolving and junior liens |  |  | 102,476 |  |  | - |  |  | 3,055 |  |  | - |  |  | 105,531
Consumer |  |  | 4,215 |  |  | - |  |  | 1 |  |  | - |  |  | 4,216
All other |  |  | 11,650 |  |  | - |  |  | - |  |  | - |  |  | 11,650
Total |  | $ | 1,101,886 |  | $ | 6,606 |  | $ | 25,223 |  | $ | - |  | $ | 1,133,715
December 31, 2014 |  |  |  |  | Special |  |  |  |  |  |  |  |  |
|  | Pass |  | Mention |  | Substandard 1 |  | Doubtful |  | Total
Commercial |  | $ | 118,845 |  | $ | 3,948 |  | $ | 4,403 |  | $ | - |  | $ | 127,196
Real estate - commercial |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Owner occupied general purpose |  |  | 124,936 |  |  | 253 |  |  | 7,476 |  |  | - |  |  | 132,665
Owner occupied special purpose |  |  | 154,225 |  |  | 11,607 |  |  | 3,483 |  |  | - |  |  | 169,315
Non-owner occupied general purpose |  |  | 148,212 |  |  | 3,235 |  |  | 6,788 |  |  | - |  |  | 158,235
Non-owner occupied special purpose |  |  | 78,957 |  |  | 8,097 |  |  | 1,423 |  |  | - |  |  | 88,477
Retail Properties |  |  | 36,779 |  |  | 1,001 |  |  | - |  |  | - |  |  | 37,780
Farm |  |  | 14,157 |  |  | - |  |  | - |  |  | - |  |  | 14,157
Real estate - construction |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Homebuilder |  |  | 3,204 |  |  | - |  |  | - |  |  | - |  |  | 3,204
Land |  |  | 1,658 |  |  | - |  |  | - |  |  | - |  |  | 1,658
Commercial speculative |  |  | 9,947 |  |  | - |  |  | 3,484 |  |  | - |  |  | 13,431
All other |  |  | 25,941 |  |  | - |  |  | 561 |  |  | - |  |  | 26,502
Real estate - residential |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Investor |  |  | 134,952 |  |  | - |  |  | 2,263 |  |  | - |  |  | 137,215
Owner occupied |  |  | 109,085 |  |  | - |  |  | 7,343 |  |  | - |  |  | 116,428
Revolving and junior liens |  |  | 112,647 |  |  | 188 |  |  | 3,713 |  |  | - |  |  | 116,548
Consumer |  |  | 3,503 |  |  | - |  |  | 1 |  |  | - |  |  | 3,504
All other |  |  | 13,017 |  |  | - |  |  | - |  |  | - |  |  | 13,017
Total |  | $ | 1,090,065 |  | $ | 28,329 |  | $ | 40,938 |  | $ | - |  | $ | 1,159,332
| 1 |  | The substandard credit quality indicator includes both potential problem loans that are currently performing and nonperforming loans
Schedule of impaired loans by class of loan |
|  | December 31, 2015 |  | December 31, 2014
|  |  |  |  | Unpaid |  |  |  |  |  |  | Unpaid |  |
|  | Recorded |  | Principal |  | Related |  | Recorded |  | Principal |  | Related
|  | Investment |  | Balance |  | Allowance |  | Investment |  | Balance |  | Allowance
With no related allowance recorded |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial |  | $ | 70 |  | $ | 149 |  | $ | - |  | $ | 1,500 |  | $ | 2,114 |  | $ | -
Commercial real estate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Owner occupied general purpose |  |  | 2,314 |  |  | 3,004 |  |  | - |  |  | 7,125 |  |  | 7,870 |  |  | -
Owner occupied special purpose |  |  | 763 |  |  | 871 |  |  | - |  |  | 1,798 |  |  | 1,941 |  |  | -
Non-owner occupied general purpose |  |  | 1,047 |  |  | 1,065 |  |  | - |  |  | 4,831 |  |  | 5,653 |  |  | -
Non-owner occupied special purpose |  |  | - |  |  | - |  |  | - |  |  | 1,423 |  |  | 1,930 |  |  | -
Retail properties |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | -
Farm |  |  | 1,272 |  |  | 1,338 |  |  | - |  |  | - |  |  | - |  |  | -
Construction |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Homebuilder |  |  | - |  |  | - |  |  | - |  |  | 1,791 |  |  | 1,791 |  |  | -
Land |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | -
Commercial speculative |  |  | 83 |  |  | 86 |  |  | - |  |  | - |  |  | - |  |  | -
All other |  |  | - |  |  | - |  |  | - |  |  | 291 |  |  | 323 |  |  | -
Residential |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Investor |  |  | 1,906 |  |  | 2,259 |  |  | - |  |  | 2,595 |  |  | 3,024 |  |  | -
Owner occupied |  |  | 10,539 |  |  | 11,999 |  |  | - |  |  | 11,419 |  |  | 12,816 |  |  | -
Revolving and junior liens |  |  | 2,731 |  |  | 3,947 |  |  | - |  |  | 2,238 |  |  | 3,541 |  |  | -
Consumer |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | -
Total impaired loans with no recorded allowance |  |  | 20,725 |  |  | 24,718 |  |  | - |  |  | 35,011 |  |  | 41,003 |  |  | -
With an allowance recorded |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial |  |  | 3 |  |  | 8 |  |  | 3 |  |  | - |  |  | - |  |  | -
Commercial real estate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Owner occupied general purpose |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | -
Owner occupied special purpose |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | -
Non-owner occupied general purpose |  |  | - |  |  | - |  |  | - |  |  | 76 |  |  | 76 |  |  | 21
Non-owner occupied special purpose |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | -
Retail properties |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | -
Farm |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | -
Construction |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Homebuilder |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | -
Land |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | -
Commercial speculative |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | -
All other |  |  | - |  |  | - |  |  | - |  |  | 270 |  |  | 306 |  |  | 98
Residential |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Investor |  |  | - |  |  | - |  |  | - |  |  | 135 |  |  | 145 |  |  | 24
Owner occupied |  |  | 112 |  |  | 112 |  |  | 31 |  |  | 23 |  |  | 65 |  |  | 38
Revolving and junior liens |  |  | 46 |  |  | 46 |  |  | - |  |  | 371 |  |  | 405 |  |  | 97
Consumer |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | -
Total impaired loans with a recorded allowance |  |  | 161 |  |  | 166 |  |  | 34 |  |  | 875 |  |  | 997 |  |  | 278
Total impaired loans |  | $ | 20,886 |  | $ | 24,884 |  | $ | 34 |  | $ | 35,886 |  | $ | 42,000 |  | $ | 278
Average recorded investment and interest income recognized on impaired loans by class of loan for the years ending December 31 were as follows:
|  | Year to date |  | Year to date |  | Year to date
|  | December 31, 2015 |  | December 31, 2014 |  | December 31, 2013
|  | Average |  | Interest |  | Average |  | Interest |  | Average |  | Interest
|  | Recorded |  | Income |  | Recorded |  | Income |  | Recorded |  | Income
|  | Investment |  | Recognized |  | Investment |  | Recognized |  | Investment |  | Recognized
With no related allowance recorded |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial |  | $ | 785 |  | $ | - |  | $ | 764 |  | $ | - |  | $ | 112 |  | $ | -
Commercial real estate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Owner occupied general purpose |  |  | 4,720 |  |  | 82 |  |  | 4,834 |  |  | 104 |  |  | 3,508 |  |  | 3
Owner occupied special purpose |  |  | 1,280 |  |  | - |  |  | 2,584 |  |  | 45 |  |  | 5,275 |  |  | -
Non-owner occupied general purpose |  |  | 2,939 |  |  | 3 |  |  | 5,130 |  |  | - |  |  | 9,892 |  |  | 75
Non-owner occupied special purpose |  |  | 712 |  |  | - |  |  | 1,042 |  |  | - |  |  | 569 |  |  | -
Retail properties |  |  | - |  |  | - |  |  | 1,572 |  |  | - |  |  | 5,962 |  |  | -
Farm |  |  | 636 |  |  | - |  |  | - |  |  | - |  |  | 1,259 |  |  | -
Construction |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Homebuilder |  |  | 895 |  |  | - |  |  | 1,903 |  |  | 82 |  |  | 3,085 |  |  | 97
Land |  |  | - |  |  | - |  |  | 105 |  |  | - |  |  | 232 |  |  | -
Commercial speculative |  |  | 42 |  |  | - |  |  | 369 |  |  | - |  |  | 1,501 |  |  | -
All other |  |  | 145 |  |  | - |  |  | 147 |  |  | - |  |  | 41 |  |  | -
Residential |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Investor |  |  | 2,251 |  |  | 51 |  |  | 4,290 |  |  | 43 |  |  | 5,576 |  |  | -
Owner occupied |  |  | 10,979 |  |  | 160 |  |  | 10,299 |  |  | 187 |  |  | 9,284 |  |  | 209
Revolving and junior liens |  |  | 2,484 |  |  | 7 |  |  | 2,004 |  |  | 6 |  |  | 1,570 |  |  | 6
Consumer |  |  | - |  |  | - |  |  | - |  |  | - |  |  | 11 |  |  | -
Total impaired loans with no recorded allowance |  |  | 27,868 |  |  | 303 |  |  | 35,043 |  |  | 467 |  |  | 47,877 |  |  | 390
With an allowance recorded |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial |  |  | 2 |  |  | - |  |  | - |  |  | - |  |  | 283 |  |  | -
Commercial real estate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Owner occupied general purpose |  |  | - |  |  | - |  |  | 365 |  |  | - |  |  | 872 |  |  | -
Owner occupied special purpose |  |  | - |  |  | - |  |  | 2,150 |  |  | - |  |  | 4,277 |  |  | -
Non-owner occupied general purpose |  |  | 38 |  |  | - |  |  | 508 |  |  | - |  |  | 1,859 |  |  | -
Non-owner occupied special purpose |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | -
Retail properties |  |  | - |  |  | - |  |  | - |  |  | - |  |  | 876 |  |  | -
Farm |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | -
Construction |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Homebuilder |  |  | - |  |  | - |  |  | 84 |  |  | - |  |  | 97 |  |  | -
Land |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | -
Commercial speculative |  |  | - |  |  | - |  |  | 587 |  |  | - |  |  | 2,748 |  |  | -
All other |  |  | 135 |  |  | - |  |  | 353 |  |  | - |  |  | 458 |  |  | -
Residential |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Investor |  |  | 67 |  |  | - |  |  | 410 |  |  | - |  |  | 2,713 |  |  | -
Owner occupied |  |  | 68 |  |  | - |  |  | 794 |  |  | 1 |  |  | 3,737 |  |  | -
Revolving and junior liens |  |  | 208 |  |  | 3 |  |  | 934 |  |  | - |  |  | 1,981 |  |  | -
Consumer |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | -
Total impaired loans with a recorded allowance |  |  | 518 |  |  | 3 |  |  | 6,185 |  |  | 1 |  |  | 19,901 |  |  | -
Total impaired loans |  | $ | 28,386 |  | $ | 306 |  | $ | 41,228 |  | $ | 468 |  | $ | 67,778 |  | $ | 390
Schedule of TDRs modified during the period by type of modification |
|  | TDR Modifications |
|  | Twelve months ended December 31, 2015 |
|  | # of |  | Pre-modification |  | Post-modification |
|  | contracts |  | recorded investment |  | recorded investment |
Troubled debt restructurings |  |  |  |  |  |  |  |  |
Real estate - residential |  |  |  |  |  |  |  |  |
Owner occupied |  |  |  |  |  |  |  |  |
Other 1 |  | 2 |  | $ | 256 |  | $ | 255 |
Revolving and junior liens |  |  |  |  |  |  |  |  |
HAMP 3 |  | 5 |  |  | 193 |  |  | 153 |
Other 1 |  | 3 |  |  | 378 |  |  | 347 |
|  | 10 |  | $ | 827 |  | $ | 755 |
|  | TDR Modifications |
|  | Twelve months ended December 31, 2014 |
|  | # of |  | Pre-modification |  | Post-modification |
|  | contracts |  | recorded investment |  | recorded investment |
Troubled debt restructurings |  |  |  |  |  |  |  |  |
Real estate - commercial |  |  |  |  |  |  |  |  |
Other 1 |  | 2 |  | $ | 1,320 |  | $ | 1,106 |
Bifurcate 2 |  | 1 |  |  | 675 |  |  | 357 |
Real estate - residential |  |  |  |  |  |  |  |  |
Investor |  |  |  |  |  |  |  |  |
Other 1 |  | 2 |  |  | 237 |  |  | 221 |
Owner occupied |  |  |  |  |  |  |  |  |
Other 1 |  | 1 |  |  | 136 |  |  | 133 |
HAMP 3 |  | 2 |  |  | 250 |  |  | 218 |
Deferral 4 |  | 2 |  |  | 344 |  |  | 224 |
Revolving and junior liens |  |  |  |  |  |  |  |  |
Other 1 |  | 5 |  |  | 343 |  |  | 334 |
|  | 15 |  | $ | 3,305 |  | $ | 2,593 |
| 1 |  | Other: Change of terms from bankruptcy court
| 2 |  | Bifurcate: Refers to an “A/B” restructure separated into two notes, charging off the entire B portion of the note.
| 3 |  | HAMP: Home Affordable Modification Program
| 4 |  | Deferral: Refers to the deferral of principal
Schedule of TDRs that subsequently defaulted |
|  | TDR Default Activity |  | TDR Default Activity
|  | Twelve months ended December 31, 2015 |  | Twelve months ended December 31, 2014
Troubled debt restructurings that |  | # of |  | Pre-modification outstanding |  | # of |  | Pre-modification outstanding
Subsequently Defaulted |  | contracts |  | recorded investment |  | contracts |  | recorded investment
Real estate - commercial |  |  |  |  |  |  |  |  |  |
Owner occupied special purpose |  | - |  | $ | - |  | - |  | $ | -
Real estate - residential |  |  |  |  |  |  |  |  |  |
Investor |  | - |  |  | - |  | - |  |  | -
Owner occupied |  | - |  |  | - |  | 1 |  |  | 137
Revolving and junior liens |  | - |  |  | - |  | 2 |  |  | 210
|  | - |  | $ | - |  | 3 |  | $ | 347
Schedule of loans to principal officers, directors, and their affiliates, made in the ordinary course of business |
|  | 2015 |  | 2014 |
Beginning balance |  | $ | 7,793 |  | $ | 6,414 |
New loans |  |  | 864 |  |  | 41,810 |
Repayments and other reductions |  |  | (635) |  |  | (38,295) |
Change in related party status |  |  | (6,235) |  |  | (2,136) |
Ending balance |  | $ | 1,787 |  | $ | 7,793 |

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