Loans (Tables)

3 Months Ended

Mar. 31, 2017


	March 31, 2017		December 31, 2016
Commercial	$	233,922	$	228,113
Real estate - commercial		713,358		736,247
Real estate - construction		87,049		64,720
Real estate - residential		373,477		377,851
Consumer		2,913		3,237
Overdraft		190		436
Lease financing receivables		64,607		55,451
Other		11,645		11,537
		1,487,161		1,477,592
Net deferred loan costs		860		1,217
Total loans	$	1,488,021	$	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
March 31, 2017	Past Due		Past Due		Due		Due		Current		Nonaccrual		Total Loans		Accruing
Commercial	$	-	$	-	$	-	$	-	$	233,697	$	225	$	233,922	$	-
Leases		939		-		-		939		63,184		484		64,607
Real estate - commercial
Owner occupied general purpose		175		-		-		175		135,289		659		136,123		-
Owner occupied special purpose		-		-		-		-		172,647		375		173,022		-
Non-owner occupied general purpose		-		-		-		-		220,541		1,088		221,629		-
Non-owner occupied special purpose		-		-		-		-		121,661		-		121,661		-
Retail properties		-		-		-		-		45,184		1,161		46,345		-
Farm		18		-		-		18		14,560		-		14,578		-
Real estate - construction
Homebuilder		-		-		-		-		3,226		-		3,226		-
Land		-		-		-		-		2,900		-		2,900		-
Commercial speculative		-		-		-		-		27,061		70		27,131		-
All other		76		-		-		76		53,512		204		53,792		-
Real estate - residential
Investor		312		-		-		312		59,785		749		60,846		-
Multifamily		-		5,004		-		5,004		87,136		-		92,140		-
Owner occupied		1,403		-		-		1,403		112,972		5,249		119,624		-
Revolving and junior liens		535		162		57		754		98,734		1,379		100,867		57
Consumer		6		-		-		6		2,897		10		2,913		-
Other1		-		-		-		-		12,695		-		12,695		-
Total	$	3,464	$	5,166	$	57	$	8,687	$	1,467,681	$	11,653	$	1,488,021	$	57


															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	$	57	$	74	$	-	$	131	$	227,742	$	240	$	228,113	$	-
Leases		-		286				286		54,799		366		55,451
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		54,924		936		56,097		-
Multifamily		-		-				-		96,502		-		96,502
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		-
Other1		14		-		-		14		13,176		-		13,190		-
Total	$	3,959	$	1,180	$	-	$	5,139	$	1,458,387	$	15,283	$	1,478,809	$	-

1 The “Other” class includes overdrafts and net deferred costs.


March 31, 2017			Special
	Pass		Mention		Substandard 1		Doubtful		Total
Commercial	$	213,758	$	18,165	$	1,999	$	-	$	233,922
Leases		62,505		939		1,163		-		64,607
Real estate - commercial
Owner occupied general purpose		132,769		1,910		1,444		-		136,123
Owner occupied special purpose		169,561		3,086		375		-		173,022
Non-owner occupied general purpose		219,883		658		1,088		-		221,629
Non-owner occupied special purpose		117,945		-		3,716		-		121,661
Retail Properties		43,929		1,255		1,161		-		46,345
Farm		12,050		1,213		1,315		-		14,578
Real estate - construction
Homebuilder		3,226		-		-		-		3,226
Land		2,900		-		-		-		2,900
Commercial speculative		27,061		-		70		-		27,131
All other		53,411		-		381		-		53,792
Real estate - residential
Investor		59,938		-		908		-		60,846
Multifamily		87,136		5,004		-		-		92,140
Owner occupied		113,133		568		5,923		-		119,624
Revolving and junior liens		98,674		-		2,193		-		100,867
Consumer		2,902		-		11		-		2,913
Other		12,695		-		-		-		12,695
Total	$	1,433,476	$	32,798	$	21,747	$	-	$	1,488,021


December 31, 2016			Special
	Pass		Mention		Substandard 1		Doubtful		Total
Commercial	$	214,028	$	11,558	$	2,527	$	-	$	228,113
Leases		53,366		976		1,109				55,451
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		55,001		-		1,096		-		56,097
Multifamily		96,502		-		-		-		96,502
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

1 The substandard credit quality indicator includes both potential problem loans that are currently performing and nonperforming loans.


							Three Months Ended
	As of March 31, 2017						March 31, 2017
			Unpaid				Average		Interest
	Recorded		Principal		Related		Recorded		Income
	Investment		Balance		Allowance		Investment		Recognized
With no related allowance recorded
Commercial	$	225	$	376	$	-	$	132	$	-
Leases		484		502		-		425		-
Commercial real estate
Owner occupied general purpose		659		719		-		1,270		-
Owner occupied special purpose		375		513		-		380		-
Non-owner occupied general purpose		1,146		1,430		-		1,445		1
Non-owner occupied special purpose		-		-		-		506		-
Retail properties		1,161		1,221		-		1,170		-
Farm		-		-		-		-		-
Construction
Homebuilder		-		-		-		-		-
Land		-		-		-		-		-
Commercial speculative		70		80		-		72		-
All other		204		220		-		206		-
Residential
Investor		1,646		2,128		-		1,744		12
Multifamily		-		-		-		-		-
Owner occupied		8,581		9,894		-		9,202		39
Revolving and junior liens		2,410		2,755		-		2,447		9
Consumer		10		10		-		106		-
Total impaired loans with no recorded allowance		16,971		19,848		-		19,105		61

With an allowance recorded
Commercial		-		-		-		-		-
Leases
Commercial real estate
Owner occupied general purpose		-		-		-		-		-
Owner occupied special purpose		-		-		-		-		-
Non-owner occupied general purpose		-		-		-		123		-
Non-owner occupied special purpose		-		-		-		-		-
Retail properties		-		-		-		-		-
Farm		-		-		-		-		-
Construction
Homebuilder		-		-		-		-		-
Land		-		-		-		-		-
Commercial speculative		-		-		-		-		-
All other		-		-		-		-		-
Residential
Investor		-		-		-		-		-
Multifamily
Owner occupied		803		853		803		803		-
Revolving and junior liens		-		-		-		-		-
Consumer		-		-		-		-		-
Total impaired loans with a recorded allowance		803		853		803		926		-
Total impaired loans	$	17,774	$	20,701	$	803	$	20,031	$	61

Impaired loans by class of loans as of December 31, 2016, and for the three months ended March 31, 2016, were as follows:


							Three Months Ended
	As of December 31, 2016						March 31, 2016
			Unpaid				Average		Interest
	Recorded		Principal		Related		Recorded		Income
	Investment		Balance		Allowance		Investment		Recognized
With no related allowance recorded
Commercial	$	240	$	388	$	-	$	67	$	-
Leases		366		371		-		-		-
Commercial real estate
Owner occupied general purpose		1,881		2,131		-		2,506		22
Owner occupied special purpose		385		518		-		823		-
Non-owner occupied general purpose		1,744		2,010		-		1,029		1
Non-owner occupied special purpose		1,013		1,649		-		-		-
Retail properties		1,179		1,235		-		-		-
Farm		-		-		-		636		-
Construction
Homebuilder		-		-		-		-		-
Land		-		-		-		-		-
Commercial speculative		74		81		-		82		-
All other		207		221		-		-		-
Residential
Investor		1,841		2,308		-		1,889		12
Multifamily		-		-		-		-		-
Owner occupied		9,824		11,391		-		10,440		41
Revolving and junior liens		2,484		3,018		-		2,747		2
Consumer		-		-		-		-		-
Total impaired loans with no recorded allowance		21,238		25,321		-		20,219		78

With an allowance recorded
Commercial		-		-		-		238		-
Leases		-		-		-		-		-
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		-		-		-		-		-
Multifamily		-		-		-		-		-
Owner occupied		803		853		803		56		-
Revolving and junior liens		-		-		-		23		-
Consumer		-		-		-		-		-
Total impaired loans with a recorded allowance		1,049		1,448		1,049		317		-
Total impaired loans	$	22,287	$	26,769	$	1,049	$	20,536	$	78

TDRs that were modified during the period are as follows:


	TDR Modifications
	Three Months Ended March 31, 2017
	# of	Pre-modification		Post-modification
	contracts	recorded investment		recorded investment
Troubled debt restructurings
Real estate - residential
Revolving and junior liens
HAMP2	1	$	56	$	56
Other1	3		188		187
Total	4	$	244	$	243


	TDR Modifications
	Three Months Ended March 31, 2016
	# of	Pre-modification		Post-modification
	contracts	recorded investment		recorded investment
Troubled debt restructurings
Real estate - commercial
Other1	2	$	312	$	232
Real estate - residential
Owner occupied
HAMP2	1	$	239	$	239
Revolving and junior liens
HAMP2	3		430		403
Total	6	$	981	$	874

1 Other: Change of terms from bankruptcy court

2 HAMP: Home Affordable Modification Program