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Loans (Tables) | 12 Months Ended
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Dec. 31, 2017
Loans |
Schedule of major classifications of loans |
|  | December 31, 2017 |  | December 31, 2016 |
Commercial |  | $ | 272,851 |  | $ | 228,113 |
Leases |  |  | 68,325 |  |  | 55,451 |
Real estate - commercial |  |  | 750,991 |  |  | 736,247 |
Real estate - construction |  |  | 85,162 |  |  | 64,720 |
Real estate - residential |  |  | 426,230 |  |  | 377,851 |
Consumer |  |  | 2,774 |  |  | 3,237 |
Other 1 |  |  | 10,609 |  |  | 11,973 |
|  |  | 1,616,942 |  |  | 1,477,592 |
Net deferred loan costs |  |  | 680 |  |  | 1,217 |
Total loans |  | $ | 1,617,622 |  | $ | 1,478,809 |
Schedule of aged analysis of past due loans by class of loans | Aged analysis of past due loans by class of loans as of December 31, 2017, and December 31, 2016, were as follows:
|  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Recorded
|  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Investment
|  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 90 days or
|  |  |  |  |  |  |  | 90 Days or |  |  |  |  |  |  |  |  |  |  |  |  |  | Greater Past
|  | 30-59 Days |  | 60-89 Days |  | Greater Past |  | Total Past |  |  |  |  |  |  |  |  |  |  | Due and
December 31, 2017 |  | Past Due |  | Past Due |  | Due |  | Due |  | Current |  | Nonaccrual |  | Total Loans |  | Accruing
Commercial |  | $ | 995 |  | $ | 275 |  | $ | - |  | $ | 1,270 |  | $ | 271,581 |  | $ | - |  | $ | 272,851 |  | $ | -
Leases |  |  | - |  |  | - |  |  | - |  |  | - |  |  | 68,147 |  |  | 178 |  |  | 68,325 |  |  | -
Real estate - commercial |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Owner occupied general purpose |  |  | 1,136 |  |  | - |  |  | - |  |  | 1,136 |  |  | 144,267 |  |  | 455 |  |  | 145,858 |  |  | -
Owner occupied special purpose |  |  | 226 |  |  | - |  |  | - |  |  | 226 |  |  | 170,546 |  |  | 342 |  |  | 171,114 |  |  | -
Non-owner occupied general purpose |  |  | - |  |  | 593 |  |  | - |  |  | 593 |  |  | 273,203 |  |  | 1,163 |  |  | 274,959 |  |  | -
Non-owner occupied special purpose |  |  | - |  |  | - |  |  | 248 |  |  | 248 |  |  | 92,923 |  |  | - |  |  | 93,171 |  |  | 254
Retail properties |  |  | - |  |  | - |  |  | - |  |  | - |  |  | 49,538 |  |  | 1,081 |  |  | 50,619 |  |  | -
Farm |  |  | - |  |  | - |  |  | - |  |  | - |  |  | 15,270 |  |  | - |  |  | 15,270 |  |  | -
Real estate - construction |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Homebuilder |  |  | 129 |  |  | - |  |  | - |  |  | 129 |  |  | 2,221 |  |  | - |  |  | 2,350 |  |  | -
Land |  |  | 1,124 |  |  | - |  |  | - |  |  | 1,124 |  |  | 1,319 |  |  | - |  |  | 2,443 |  |  | -
Commercial speculative |  |  | - |  |  | - |  |  | - |  |  | - |  |  | 32,028 |  |  | - |  |  | 32,028 |  |  | -
All other |  |  | - |  |  | - |  |  | - |  |  | - |  |  | 48,140 |  |  | 201 |  |  | 48,341 |  |  | -
Real estate - residential |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Investor |  |  | - |  |  | - |  |  | - |  |  | - |  |  | 55,248 |  |  | 372 |  |  | 55,620 |  |  | -
Multifamily |  |  | - |  |  | - |  |  | - |  |  | - |  |  | 125,049 |  |  | 4,723 |  |  | 129,772 |  |  | -
Owner occupied |  |  | 74 |  |  | - |  |  | - |  |  | 74 |  |  | 123,838 |  |  | 4,674 |  |  | 128,586 |  |  | -
Revolving and junior liens |  |  | 491 |  |  | 278 |  |  | - |  |  | 769 |  |  | 110,291 |  |  | 1,192 |  |  | 112,252 |  |  | -
Consumer |  |  | - |  |  | - |  |  | - |  |  | - |  |  | 2,767 |  |  | 7 |  |  | 2,774 |  |  | -
Other 1 |  |  | 37 |  |  | - |  |  | - |  |  | 37 |  |  | 11,252 |  |  | - |  |  | 11,289 |  |  | -
Total |  | $ | 4,212 |  | $ | 1,146 |  | $ | 248 |  | $ | 5,606 |  | $ | 1,597,628 |  | $ | 14,388 |  | $ | 1,617,622 |  | $ | 254
|  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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 |  |  | -
Other 1 |  |  | 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.
Schedule of credit quality indicators by class of loans |
December 31, 2017 |  |  |  |  | Special |  |  |  |  |  |  |  |  |
|  | Pass |  | Mention |  | Substandard 1 |  | Doubtful |  | Total
Commercial |  | $ | 270,889 |  | $ | 1,962 |  | $ | - |  | $ | - |  | $ | 272,851
Leases |  |  | 67,500 |  |  | - |  |  | 825 |  |  | - |  |  | 68,325
Real estate - commercial |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Owner occupied general purpose |  |  | 142,843 |  |  | 1,927 |  |  | 1,088 |  |  | - |  |  | 145,858
Owner occupied special purpose |  |  | 169,621 |  |  | 1,152 |  |  | 341 |  |  | - |  |  | 171,114
Non-owner occupied general purpose |  |  | 271,731 |  |  | 2,065 |  |  | 1,163 |  |  | - |  |  | 274,959
Non-owner occupied special purpose |  |  | 89,582 |  |  | - |  |  | 3,589 |  |  | - |  |  | 93,171
Retail Properties |  |  | 48,321 |  |  | 1,217 |  |  | 1,081 |  |  | - |  |  | 50,619
Farm |  |  | 11,755 |  |  | 1,029 |  |  | 2,486 |  |  | - |  |  | 15,270
Real estate - construction |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Homebuilder |  |  | 2,350 |  |  | - |  |  | - |  |  | - |  |  | 2,350
Land |  |  | 2,443 |  |  | - |  |  | - |  |  | - |  |  | 2,443
Commercial speculative |  |  | 32,028 |  |  | - |  |  | - |  |  | - |  |  | 32,028
All other |  |  | 46,913 |  |  | 1,052 |  |  | 376 |  |  | - |  |  | 48,341
Real estate - residential |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Investor |  |  | 55,172 |  |  | - |  |  | 448 |  |  | - |  |  | 55,620
Multifamily |  |  | 125,049 |  |  | - |  |  | 4,723 |  |  | - |  |  | 129,772
Owner occupied |  |  | 122,759 |  |  | 561 |  |  | 5,266 |  |  | - |  |  | 128,586
Revolving and junior liens |  |  | 110,353 |  |  | - |  |  | 1,899 |  |  | - |  |  | 112,252
Consumer |  |  | 2,754 |  |  | - |  |  | 20 |  |  | - |  |  | 2,774
Other |  |  | 11,289 |  |  | - |  |  | - |  |  | - |  |  | 11,289
Total |  | $ | 1,583,352 |  | $ | 10,965 |  | $ | 23,305 |  | $ | - |  | $ | 1,617,622
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.
Schedule of impaired loans by class of loan |
|  | December 31, 2017 |  | December 31, 2016
|  |  |  |  | Unpaid |  |  |  |  |  |  | Unpaid |  |
|  | Recorded |  | Principal |  | Related |  | Recorded |  | Principal |  | Related
|  | Investment |  | Balance |  | Allowance |  | Investment |  | Balance |  | Allowance
With no related allowance recorded |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial |  | $ | - |  | $ | - |  | $ | - |  | $ | 240 |  | $ | 388 |  | $ | -
Leases |  |  | 178 |  |  | 213 |  |  | - |  |  | 366 |  |  | 371 |  |  | -
Commercial real estate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Owner occupied general purpose |  |  | 455 |  |  | 495 |  |  | - |  |  | 1,881 |  |  | 2,131 |  |  | -
Owner occupied special purpose |  |  | 342 |  |  | 498 |  |  | - |  |  | 385 |  |  | 518 |  |  | -
Non-owner occupied general purpose |  |  | 1,163 |  |  | 1,538 |  |  | - |  |  | 1,744 |  |  | 2,010 |  |  | -
Non-owner occupied special purpose |  |  | - |  |  | - |  |  | - |  |  | 1,013 |  |  | 1,649 |  |  | -
Retail properties |  |  | 1,081 |  |  | 1,177 |  |  | - |  |  | 1,179 |  |  | 1,235 |  |  | -
Farm |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | -
Construction |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Homebuilder |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | -
Land |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | -
Commercial speculative |  |  | - |  |  | - |  |  | - |  |  | 74 |  |  | 81 |  |  | -
All other |  |  | 201 |  |  | 229 |  |  | - |  |  | 207 |  |  | 221 |  |  | -
Residential |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Investor |  |  | 372 |  |  | 676 |  |  | - |  |  | 1,841 |  |  | 2,308 |  |  | -
Multifamily |  |  | 4,723 |  |  | 4,965 |  |  | - |  |  | - |  |  | - |  |  | -
Owner occupied |  |  | 5,208 |  |  | 6,680 |  |  | - |  |  | 9,824 |  |  | 11,391 |  |  | -
Revolving and junior liens |  |  | 1,125 |  |  | 1,313 |  |  | - |  |  | 2,484 |  |  | 3,018 |  |  | -
Consumer |  |  | 7 |  |  | 8 |  |  | - |  |  | - |  |  | - |  |  | -
Total impaired loans with no recorded allowance |  |  | 14,855 |  |  | 17,792 |  |  | - |  |  | 21,238 |  |  | 25,321 |  |  | -
With an allowance recorded |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | -
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 |  |  | 829 |  |  | 829 |  |  | 10 |  |  | - |  |  | - |  |  | -
Multifamily |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | -
Owner occupied |  |  | 3,443 |  |  | 3,443 |  |  | 43 |  |  | 803 |  |  | 853 |  |  | 803
Revolving and junior liens |  |  | 985 |  |  | 985 |  |  | 91 |  |  | - |  |  | - |  |  | -
Consumer |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | -
Total impaired loans with a recorded allowance |  |  | 5,257 |  |  | 5,257 |  |  | 144 |  |  | 1,049 |  |  | 1,448 |  |  | 1,049
Total impaired loans |  | $ | 20,112 |  | $ | 23,049 |  | $ | 144 |  | $ | 22,287 |  | $ | 26,769 |  | $ | 1,049
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, 2017 |  | December 31, 2016 |  | December 31, 2015
|  | Average |  | Interest |  | Average |  | Interest |  | Average |  | Interest
|  | Recorded |  | Income |  | Recorded |  | Income |  | Recorded |  | Income
|  | Investment |  | Recognized |  | Investment |  | Recognized |  | Investment |  | Recognized
With no related allowance recorded |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial |  | $ | 120 |  | $ | - |  | $ | 155 |  | $ | - |  | $ | 785 |  | $ | -
Lease |  |  | 272 |  |  | - |  |  | 183 |  |  | - |  |  | - |  |  | -
Commercial real estate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Owner occupied general purpose |  |  | 1,168 |  |  | - |  |  | 2,098 |  |  | 87 |  |  | 4,720 |  |  | 82
Owner occupied special purpose |  |  | 364 |  |  | - |  |  | 574 |  |  | - |  |  | 1,280 |  |  | -
Non-owner occupied general purpose |  |  | 1,453 |  |  | - |  |  | 1,395 |  |  | 2 |  |  | 2,939 |  |  | 3
Non-owner occupied special purpose |  |  | 507 |  |  | - |  |  | 507 |  |  | - |  |  | 712 |  |  | -
Retail properties |  |  | 1,130 |  |  | - |  |  | 589 |  |  | - |  |  | - |  |  | -
Farm |  |  | - |  |  | - |  |  | 636 |  |  | - |  |  | 636 |  |  | -
Construction |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Homebuilder |  |  | - |  |  | - |  |  | - |  |  | - |  |  | 895 |  |  | -
Land |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | -
Commercial speculative |  |  | 37 |  |  | - |  |  | 79 |  |  | - |  |  | 42 |  |  | -
All other |  |  | 204 |  |  | - |  |  | 103 |  |  | - |  |  | 145 |  |  | -
Residential |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Investor |  |  | 1,106 |  |  | - |  |  | 1,874 |  |  | 47 |  |  | 2,251 |  |  | 51
Multifamily |  |  | 2,362 |  |  | - |  |  | - |  |  | - |  |  | - |  |  | -
Owner occupied |  |  | 7,516 |  |  | 44 |  |  | 10,181 |  |  | 158 |  |  | 10,979 |  |  | 160
Revolving and junior liens |  |  | 1,804 |  |  | 1 |  |  | 2,608 |  |  | 29 |  |  | 2,484 |  |  | 7
Consumer |  |  | 4 |  |  | - |  |  | - |  |  | - |  |  | - |  |  | -
Total impaired loans with no recorded allowance |  |  | 18,047 |  |  | 45 |  |  | 20,982 |  |  | 323 |  |  | 27,868 |  |  | 303
With an allowance recorded |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial |  |  | - |  |  | - |  |  | 2 |  |  | - |  |  | 2 |  |  | -
Leases |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | -
Commercial real estate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Owner occupied general purpose |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | -
Owner occupied special purpose |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | -
Non-owner occupied general purpose |  |  | 123 |  |  | - |  |  | 123 |  |  | - |  |  | 38 |  |  | -
Non-owner occupied special purpose |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | -
Retail properties |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | -
Farm |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | -
Construction |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Homebuilder |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | -
Land |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | -
Commercial speculative |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | -
All other |  |  | - |  |  | - |  |  | - |  |  | - |  |  | 135 |  |  | -
Residential |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Investor |  |  | 414 |  |  | 43 |  |  | - |  |  | - |  |  | 67 |  |  | -
Multifamily |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | -
Owner occupied |  |  | 2,123 |  |  | 123 |  |  | 457 |  |  | - |  |  | 68 |  |  | -
Revolving and junior liens |  |  | 493 |  |  | 35 |  |  | 23 |  |  | - |  |  | 208 |  |  | 3
Consumer |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | -
Total impaired loans with a recorded allowance |  |  | 3,153 |  |  | 201 |  |  | 605 |  |  | - |  |  | 518 |  |  | 3
Total impaired loans |  | $ | 21,200 |  | $ | 246 |  | $ | 21,587 |  | $ | 323 |  | $ | 28,386 |  | $ | 306
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, 2017 |
|  | # of |  | Pre-modification |  | Post-modification |
|  | contracts |  | recorded investment |  | recorded investment |
Troubled debt restructurings |  |  |  |  |  |  |  |  |
Real estate - commercial |  |  |  |  |  |  |  |  |
Other 1 |  | 1 |  | $ | 97 |  | $ | 131 |
Real estate - residential |  |  |  |  |  |  |  |  |
Owner occupied |  |  |  |  |  |  |  |  |
HAMP 2 |  | 2 |  |  | 184 |  |  | 189 |
Other 1 |  | 1 |  |  | 41 |  |  | 42 |
Revolving and junior liens |  |  |  |  |  |  |  |  |
HAMP 2 |  | 1 |  |  | 49 |  |  | 49 |
Other 1 |  | 6 |  |  | 319 |  |  | 350 |
Total |  | 11 |  | $ | 690 |  | $ | 761 |
|  | 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 |
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 |
|  | 2017 |  | 2016 |
Beginning balance |  | $ | 1,703 |  | $ | 1,787 |
New loans |  |  | 20 |  |  | 157 |
Repayments and other reductions |  |  | (199) |  |  | (241) |
Change in related party status |  |  | - |  |  | - |
Ending balance |  | $ | 1,524 |  | $ | 1,703 |

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