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Loans (Tables) | 12 Months Ended
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Dec. 31, 2016
Loans |
Schedule of major classifications of loans |
|  | December 31, 2016 |  | December 31, 2015 |
Commercial |  | $ | 228,113 |  | $ | 115,603 |
Real estate - commercial |  |  | 736,247 |  |  | 605,721 |
Real estate - construction |  |  | 64,720 |  |  | 19,806 |
Real estate - residential |  |  | 377,851 |  |  | 351,007 |
Consumer |  |  | 3,237 |  |  | 4,216 |
Overdraft |  |  | 436 |  |  | 483 |
Lease financing receivables |  |  | 55,451 |  |  | 25,712 |
Other |  |  | 11,537 |  |  | 10,130 |
|  |  | 1,477,592 |  |  | 1,132,678 |
Net deferred loan costs |  |  | 1,217 |  |  | 1,037 |
Total loans |  | $ | 1,478,809 |  | $ | 1,133,715 |
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, 2016 |  | Past Due |  | Past Due |  | Due |  | Due |  | Current |  | Nonaccrual |  | Total Loans |  | Accruing
Commercial 1 |  | $ | 57 |  | $ | 360 |  | $ | - |  | $ | 417 |  | $ | 282,541 |  | $ | 606 |  | $ | 283,564 |  | $ | -
Real estate - commercial |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Owner occupied general purpose |  |  | 758 |  |  | - |  |  | - |  |  | 758 |  |  | 135,599 |  |  | 879 |  |  | 137,236 |  |  | -
Owner occupied special purpose |  |  | - |  |  | - |  |  | - |  |  | - |  |  | 177,755 |  |  | 385 |  |  | 178,140 |  |  | -
Non-owner occupied general purpose |  |  | 667 |  |  | 379 |  |  | - |  |  | 1,046 |  |  | 229,315 |  |  | 1,930 |  |  | 232,291 |  |  | -
Non-owner occupied special purpose |  |  | - |  |  | - |  |  | - |  |  | - |  |  | 118,052 |  |  | 1,013 |  |  | 119,065 |  |  | -
Retail properties |  |  | - |  |  | - |  |  | - |  |  | - |  |  | 53,474 |  |  | 1,179 |  |  | 54,653 |  |  | -
Farm |  |  | 1,353 |  |  | - |  |  | - |  |  | 1,353 |  |  | 13,509 |  |  | - |  |  | 14,862 |  |  | -
Real estate - construction |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Homebuilder |  |  | - |  |  | - |  |  | - |  |  | - |  |  | 3,883 |  |  | - |  |  | 3,883 |  |  | -
Land |  |  | - |  |  | - |  |  | - |  |  | - |  |  | 3,029 |  |  | - |  |  | 3,029 |  |  | -
Commercial speculative |  |  | - |  |  | - |  |  | - |  |  | - |  |  | 22,654 |  |  | 74 |  |  | 22,728 |  |  | -
All other |  |  | 364 |  |  | - |  |  | - |  |  | 364 |  |  | 34,509 |  |  | 207 |  |  | 35,080 |  |  | -
Real estate - residential |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Investor |  |  | 237 |  |  | - |  |  | - |  |  | 237 |  |  | 151,426 |  |  | 936 |  |  | 152,599 |  |  | -
Owner occupied |  |  | 274 |  |  | - |  |  | - |  |  | 274 |  |  | 116,900 |  |  | 6,452 |  |  | 123,626 |  |  | -
Revolving and junior liens |  |  | 225 |  |  | 405 |  |  | - |  |  | 630 |  |  | 99,374 |  |  | 1,622 |  |  | 101,626 |  |  | -
Consumer |  |  | 10 |  |  | 36 |  |  | - |  |  | 46 |  |  | 3,191 |  |  | - |  |  | 3,237 |  |  | -
Other 2 |  |  | 14 |  |  | - |  |  | - |  |  | 14 |  |  | 13,176 |  |  | - |  |  | 13,190 |  |  | -
Total |  | $ | 3,959 |  | $ | 1,180 |  | $ | - |  | $ | 5,139 |  | $ | 1,458,387 |  | $ | 15,283 |  | $ | 1,478,809 |  | $ | -
|  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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 1 |  | $ | 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 |  |  | 67
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 |  |  | -
Other 2 |  |  | - |  |  | - |  |  | - |  |  | - |  |  | 11,650 |  |  | - |  |  | 11,650 |  |  | -
Total |  | $ | 2,942 |  | $ | 710 |  | $ | 65 |  | $ | 3,717 |  | $ | 1,115,609 |  | $ | 14,389 |  | $ | 1,133,715 |  | $ | 67
1 The “Commercial” class includes lease financing receivables. 2 The “Other” class includes overdrafts and net deferred costs.
Schedule of credit quality indicators by class of loans |
December 31, 2016 |  |  |  |  | Special |  |  |  |  |  |  |  |  |
|  | Pass |  | Mention |  | Substandard 1 |  | Doubtful |  | Total
Commercial |  | $ | 267,394 |  | $ | 12,534 |  | $ | 3,636 |  | $ | - |  | $ | 283,564
Real estate - commercial |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Owner occupied general purpose |  |  | 135,503 |  |  | 53 |  |  | 1,680 |  |  | - |  |  | 137,236
Owner occupied special purpose |  |  | 172,353 |  |  | 5,402 |  |  | 385 |  |  | - |  |  | 178,140
Non-owner occupied general purpose |  |  | 229,448 |  |  | 913 |  |  | 1,930 |  |  | - |  |  | 232,291
Non-owner occupied special purpose |  |  | 114,293 |  |  | - |  |  | 4,772 |  |  | - |  |  | 119,065
Retail Properties |  |  | 52,207 |  |  | 1,267 |  |  | 1,179 |  |  | - |  |  | 54,653
Farm |  |  | 11,840 |  |  | 1,240 |  |  | 1,782 |  |  | - |  |  | 14,862
Real estate - construction |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Homebuilder |  |  | 3,883 |  |  | - |  |  | - |  |  | - |  |  | 3,883
Land |  |  | 3,029 |  |  | - |  |  | - |  |  | - |  |  | 3,029
Commercial speculative |  |  | 22,654 |  |  | - |  |  | 74 |  |  | - |  |  | 22,728
All other |  |  | 34,696 |  |  | - |  |  | 384 |  |  | - |  |  | 35,080
Real estate - residential |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Investor |  |  | 151,503 |  |  | - |  |  | 1,096 |  |  | - |  |  | 152,599
Owner occupied |  |  | 115,831 |  |  | 570 |  |  | 7,225 |  |  | - |  |  | 123,626
Revolving and junior liens |  |  | 99,286 |  |  | - |  |  | 2,340 |  |  | - |  |  | 101,626
Consumer |  |  | 3,236 |  |  | - |  |  | 1 |  |  | - |  |  | 3,237
Other |  |  | 13,165 |  |  | 25 |  |  | - |  |  | - |  |  | 13,190
Total |  | $ | 1,430,321 |  | $ | 22,004 |  | $ | 26,484 |  | $ | - |  | $ | 1,478,809
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
Other |  |  | 11,650 |  |  | - |  |  | - |  |  | - |  |  | 11,650
Total |  | $ | 1,101,886 |  | $ | 6,606 |  | $ | 25,223 |  | $ | - |  | $ | 1,133,715
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, 2016 |  | December 31, 2015
|  |  |  |  | Unpaid |  |  |  |  |  |  | Unpaid |  |
|  | Recorded |  | Principal |  | Related |  | Recorded |  | Principal |  | Related
|  | Investment |  | Balance |  | Allowance |  | Investment |  | Balance |  | Allowance
With no related allowance recorded |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial |  | $ | 405 |  | $ | 491 |  | $ | - |  | $ | 70 |  | $ | 149 |  | $ | -
Commercial real estate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Owner occupied general purpose |  |  | 1,881 |  |  | 2,131 |  |  | - |  |  | 2,314 |  |  | 3,004 |  |  | -
Owner occupied special purpose |  |  | 385 |  |  | 518 |  |  | - |  |  | 763 |  |  | 871 |  |  | -
Non-owner occupied general purpose |  |  | 1,744 |  |  | 2,010 |  |  | - |  |  | 1,047 |  |  | 1,065 |  |  | -
Non-owner occupied special purpose |  |  | 1,013 |  |  | 1,649 |  |  | - |  |  | - |  |  | - |  |  | -
Retail properties |  |  | 1,179 |  |  | 1,235 |  |  | - |  |  | - |  |  | - |  |  | -
Farm |  |  | - |  |  | - |  |  | - |  |  | 1,272 |  |  | 1,338 |  |  | -
Construction |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Homebuilder |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | -
Land |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | -
Commercial speculative |  |  | 74 |  |  | 81 |  |  | - |  |  | 83 |  |  | 86 |  |  | -
All other |  |  | 207 |  |  | 221 |  |  | - |  |  | - |  |  | - |  |  | -
Residential |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Investor |  |  | 1,841 |  |  | 2,308 |  |  | - |  |  | 1,906 |  |  | 2,259 |  |  | -
Owner occupied |  |  | 9,824 |  |  | 11,391 |  |  | - |  |  | 10,539 |  |  | 11,999 |  |  | -
Revolving and junior liens |  |  | 2,484 |  |  | 3,018 |  |  | - |  |  | 2,731 |  |  | 3,947 |  |  | -
Consumer |  |  | 201 |  |  | 268 |  |  | - |  |  | - |  |  | - |  |  | -
Total impaired loans with no recorded allowance |  |  | 21,238 |  |  | 25,321 |  |  | - |  |  | 20,725 |  |  | 24,718 |  |  | -
With an allowance recorded |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial |  |  | - |  |  | - |  |  | - |  |  | 3 |  |  | 8 |  |  | 3
Commercial real estate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Owner occupied general purpose |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | -
Owner occupied special purpose |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | -
Non-owner occupied general purpose |  |  | 246 |  |  | 595 |  |  | 246 |  |  | - |  |  | - |  |  | -
Non-owner occupied special purpose |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | -
Retail properties |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | -
Farm |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | -
Construction |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Homebuilder |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | -
Land |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | -
Commercial speculative |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | -
All other |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | -
Residential |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Investor |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | -
Owner occupied |  |  | 803 |  |  | 853 |  |  | 803 |  |  | 112 |  |  | 112 |  |  | 31
Revolving and junior liens |  |  | - |  |  | - |  |  | - |  |  | 46 |  |  | 46 |  |  | -
Consumer |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | -
Total impaired loans with a recorded allowance |  |  | 1,049 |  |  | 1,448 |  |  | 1,049 |  |  | 161 |  |  | 166 |  |  | 34
Total impaired loans |  | $ | 22,287 |  | $ | 26,769 |  | $ | 1,049 |  | $ | 20,886 |  | $ | 24,884 |  | $ | 34
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, 2016 |  | December 31, 2015 |  | December 31, 2014
|  | Average |  | Interest |  | Average |  | Interest |  | Average |  | Interest
|  | Recorded |  | Income |  | Recorded |  | Income |  | Recorded |  | Income
|  | Investment |  | Recognized |  | Investment |  | Recognized |  | Investment |  | Recognized
With no related allowance recorded |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial |  | $ | 238 |  | $ | - |  | $ | 785 |  | $ | - |  | $ | 764 |  | $ | -
Commercial real estate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Owner occupied general purpose |  |  | 2,097 |  |  | 87 |  |  | 4,720 |  |  | 82 |  |  | 4,834 |  |  | 104
Owner occupied special purpose |  |  | 574 |  |  | - |  |  | 1,280 |  |  | - |  |  | 2,584 |  |  | 45
Non-owner occupied general purpose |  |  | 1,396 |  |  | 2 |  |  | 2,939 |  |  | 3 |  |  | 5,130 |  |  | -
Non-owner occupied special purpose |  |  | 506 |  |  | - |  |  | 712 |  |  | - |  |  | 1,042 |  |  | -
Retail properties |  |  | 590 |  |  | - |  |  | - |  |  | - |  |  | 1,572 |  |  | -
Farm |  |  | 636 |  |  | - |  |  | 636 |  |  | - |  |  | - |  |  | -
Construction |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Homebuilder |  |  | - |  |  | - |  |  | 895 |  |  | - |  |  | 1,903 |  |  | 82
Land |  |  | - |  |  | - |  |  | - |  |  | - |  |  | 105 |  |  | -
Commercial speculative |  |  | 78 |  |  | - |  |  | 42 |  |  | - |  |  | 369 |  |  | -
All other |  |  | 104 |  |  | - |  |  | 145 |  |  | - |  |  | 147 |  |  | -
Residential |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Investor |  |  | 1,873 |  |  | 47 |  |  | 2,251 |  |  | 51 |  |  | 4,290 |  |  | 43
Owner occupied |  |  | 10,182 |  |  | 158 |  |  | 10,979 |  |  | 160 |  |  | 10,299 |  |  | 187
Revolving and junior liens |  |  | 2,608 |  |  | 29 |  |  | 2,484 |  |  | 7 |  |  | 2,004 |  |  | 6
Consumer |  |  | 100 |  |  | - |  |  | - |  |  | - |  |  | - |  |  | -
Total impaired loans with no recorded allowance |  |  | 20,982 |  |  | 323 |  |  | 27,868 |  |  | 303 |  |  | 35,043 |  |  | 467
With an allowance recorded |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial |  |  | 2 |  |  | - |  |  | 2 |  |  | - |  |  | - |  |  | -
Commercial real estate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Owner occupied general purpose |  |  | - |  |  | - |  |  | - |  |  | - |  |  | 365 |  |  | -
Owner occupied special purpose |  |  | - |  |  | - |  |  | - |  |  | - |  |  | 2,150 |  |  | -
Non-owner occupied general purpose |  |  | 123 |  |  | - |  |  | 38 |  |  | - |  |  | 508 |  |  | -
Non-owner occupied special purpose |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | -
Retail properties |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | -
Farm |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | -
Construction |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Homebuilder |  |  | - |  |  | - |  |  | - |  |  | - |  |  | 84 |  |  | -
Land |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | -
Commercial speculative |  |  | - |  |  | - |  |  | - |  |  | - |  |  | 587 |  |  | -
All other |  |  | - |  |  | - |  |  | 135 |  |  | - |  |  | 353 |  |  | -
Residential |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Investor |  |  | - |  |  | - |  |  | 67 |  |  | - |  |  | 410 |  |  | -
Owner occupied |  |  | 457 |  |  | - |  |  | 68 |  |  | - |  |  | 794 |  |  | 1
Revolving and junior liens |  |  | 23 |  |  | - |  |  | 208 |  |  | 3 |  |  | 934 |  |  | -
Consumer |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | -
Total impaired loans with a recorded allowance |  |  | 605 |  |  | - |  |  | 518 |  |  | 3 |  |  | 6,185 |  |  | 1
Total impaired loans |  | $ | 21,587 |  | $ | 323 |  | $ | 28,386 |  | $ | 306 |  | $ | 41,228 |  | $ | 468
Schedule of TDRs modified during the period by type of modification | Loans that were modified during the period are summarized as follows:
|  | TDR Modifications |
|  | Twelve months ended December 31, 2016 |
|  | # of |  | Pre-modification |  | Post-modification |
|  | contracts |  | recorded investment |  | recorded investment |
Troubled debt restructurings |  |  |  |  |  |  |  |  |
Real estate - commercial |  |  |  |  |  |  |  |  |
Other 1 |  | 2 |  | $ | 312 |  | $ | 205 |
Real estate - residential |  |  |  |  |  |  |  |  |
Owner occupied |  |  |  |  |  |  |  |  |
HAMP 2 |  | 2 |  |  | 419 |  |  | 262 |
Revolving and junior liens |  |  |  |  |  |  |  |  |
HAMP 2 |  | 3 |  |  | 252 |  |  | 228 |
Other 1 |  | 3 |  |  | 808 |  |  | 777 |
Total |  | 10 |  | $ | 1,791 |  | $ | 1,472 |
|  | 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 2 |  | 5 |  |  | 193 |  |  | 153 |
Other 1 |  | 3 |  |  | 378 |  |  | 347 |
Total |  | 10 |  | $ | 827 |  | $ | 755 |
1 Other: Change of terms from bankruptcy court 2 HAMP: Home Affordable Modification Program
Schedule of loans to principal officers, directors, and their affiliates, made in the ordinary course of business |
|  | 2016 |  | 2015 |
Beginning balance |  | $ | 1,787 |  | $ | 7,793 |
New loans |  |  | 157 |  |  | 864 |
Repayments and other reductions |  |  | (241) |  |  | (635) |
Change in related party status |  |  | - |  |  | (6,235) |
Ending balance |  | $ | 1,703 |  | $ | 1,787 |

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