Loans (Tables)

3 Months Ended

Mar. 31, 2018


															Recorded
															Investment
															90 days or
					90 Days or										Greater Past
	30-59 Days		60-89 Days		Greater Past		Total Past								Due and
March 31, 2018	Past Due		Past Due		Due		Due		Current		Nonaccrual		Total Loans		Accruing
Commercial	$	332	$	-	$	-	$	332	$	280,802	$	-	$	281,134	$	-
Leases		152		-		-		152		66,192		-		66,344		-
Real estate - commercial
Owner occupied general purpose		63		-		-		63		141,540		683		142,286		-
Owner occupied special purpose		744		-		-		744		165,104		440		166,288		-
Non-owner occupied general purpose		330		111		-		441		253,748		42		254,231		-
Non-owner occupied special purpose		-		-		-		-		88,642		3,575		92,217		-
Retail properties		-		-		-		-		42,577		-		42,577		-
Farm		-		-		-		-		15,823		-		15,823		-
Real estate - construction
Homebuilder		-		-		-		-		2,503		-		2,503		-
Land		-		-		-		-		2,479		-		2,479		-
Commercial speculative		-		-		-		-		35,432		-		35,432		-
All other		190		-		-		190		50,678		197		51,065		-
Real estate - residential
Investor		92		-		-		92		56,163		361		56,616		-
Multifamily		338		-		-		338		125,086		-		125,424		-
Owner occupied		258		69		-		327		123,779		4,625		128,731		-
Revolving and junior liens		321		-		401		722		125,998		1,119		127,839		409
Consumer		1		-		-		1		2,102		17		2,120		-
Other1		-		-		-		-		8,703		-		8,703		-
Total	$	2,821	$	180	$	401	$	3,402	$	1,587,351	$	11,059	$	1,601,812	$	409


															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		-
Other1		37		-		-		37		11,252		-		11,289		-
Total	$	4,212	$	1,146	$	248	$	5,606	$	1,597,628	$	14,388	$	1,617,622	$	254

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


March 31, 2018			Special
	Pass		Mention		Substandard 1		Doubtful		Total
Commercial	$	278,276	$	2,858	$	-	$	-	$	281,134
Leases		65,734		-		610		-		66,344
Real estate - commercial
Owner occupied general purpose		138,424		1,821		2,041		-		142,286
Owner occupied special purpose		164,707		1,141		440		-		166,288
Non-owner occupied general purpose		253,551		638		42		-		254,231
Non-owner occupied special purpose		88,642		-		3,575		-		92,217
Retail Properties		41,373		1,204		-		-		42,577
Farm		12,134		1,250		2,439		-		15,823
Real estate - construction
Homebuilder		2,503		-		-		-		2,503
Land		2,479		-		-		-		2,479
Commercial speculative		35,432		-		-		-		35,432
All other		49,018		1,676		371		-		51,065
Real estate - residential
Investor		56,180		-		436		-		56,616
Multifamily		125,424		-		-		-		125,424
Owner occupied		122,696		559		5,476		-		128,731
Revolving and junior liens		125,801		-		2,038		-		127,839
Consumer		2,102		-		18		-		2,120
Other		8,703		-		-		-		8,703
Total	$	1,573,179	$	11,147	$	17,486	$	-	$	1,601,812


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

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, 2018						March 31, 2018
			Unpaid				Average		Interest
	Recorded		Principal		Related		Recorded		Income
	Investment		Balance		Allowance		Investment		Recognized
With no related allowance recorded
Commercial	$	-	$	-	$	-	$	-	$	-
Leases		-		-		-		89		-
Commercial real estate
Owner occupied general purpose		378		421		-		417		-
Owner occupied special purpose		440		552		-		391		-
Non-owner occupied general purpose		42		56		-		602		-
Non-owner occupied special purpose		-		-		-		-		-
Retail properties		-		-		-		541		-
Farm		-		-		-		-		-
Construction
Homebuilder		-		-		-		-		-
Land		-		-		-		-		-
Commercial speculative		-		-		-		-		-
All other		197		227		-		199		-
Residential
Investor		361		531		-		366		-
Multifamily		-		-		-		2,362		-
Owner occupied		5,148		6,650		-		5,178		9
Revolving and junior liens		1,125		1,329		-		1,125		-
Consumer		17		18		-		12		-
Total impaired loans with no recorded allowance		7,708		9,784		-		11,282		9

With an allowance recorded
Commercial		-		-		-		-		-
Leases		-		-		-		-		-
Commercial real estate
Owner occupied general purpose		305		305		26		152		-
Owner occupied special purpose		-		-		-		-		-
Non-owner occupied general purpose		-		-		-		-		-
Non-owner occupied special purpose		3,575		3,575		477		1,788		-
Retail properties		-		-		-		-		-
Farm		-		-		-		-		-
Construction
Homebuilder		-		-		-		-		-
Land		-		-		-		-		-
Commercial speculative		-		-		-		-		-
All other		-		-		-		-		-
Residential
Investor		823		823		10		826		11
Multifamily		-		-		-		-		-
Owner occupied		3,676		3,676		46		3,559		37
Revolving and junior liens		1,143		1,143		29		1,064		11
Consumer		-		-		-		-		-
Total impaired loans with a recorded allowance		9,522		9,522		588		7,389		59
Total impaired loans	$	17,230	$	19,306	$	588	$	18,671	$	68

Impaired loans by class of loans as of December 31, 2017, and for the three months ended March 31, 2017, were as follows:


							Three Months Ended
	As of December 31, 2017						March 31, 2017
			Unpaid				Average		Interest
	Recorded		Principal		Related		Recorded		Income
	Investment		Balance		Allowance		Investment		Recognized
With no related allowance recorded
Commercial	$	-	$	-	$	-	$	132	$	-
Leases		178		213		-		425		-
Commercial real estate
Owner occupied general purpose		455		495		-		1,270		-
Owner occupied special purpose		342		498		-		380		-
Non-owner occupied general purpose		1,163		1,538		-		1,445		1
Non-owner occupied special purpose		-		-		-		506		-
Retail properties		1,081		1,177		-		1,170		-
Farm		-		-		-		-		-
Construction
Homebuilder		-		-		-		-		-
Land		-		-		-		-		-
Commercial speculative		-		-		-		72		-
All other		201		229		-		206		-
Residential
Investor		372		676		-		1,744		12
Multifamily		4,723		4,965		-		-		-
Owner occupied		5,208		6,680		-		9,202		39
Revolving and junior liens		1,125		1,313		-		2,447		9
Consumer		7		8		-		106		-
Total impaired loans with no recorded allowance		14,855		17,792		-		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		829		829		10		-		-
Multifamily		-		-		-		-		-
Owner occupied		3,443		3,443		43		803		-
Revolving and junior liens		985		985		91		-		-
Consumer		-		-		-		-		-
Total impaired loans with a recorded allowance		5,257		5,257		144		926		-
Total impaired loans	$	20,112	$	23,049	$	144	$	20,031	$	61

TDRs that were modified during the period are as follows:


	TDR Modifications
	Three Months Ended March 31, 2018
	# of	Pre-modification		Post-modification
	contracts	recorded investment		recorded investment
Troubled debt restructurings
Real estate - residential
Investor
Deferral1	1	$	165	$	74
Revolving and junior liens
Rate2	1		24		24
Other3	4		218		217
Total	6	$	407	$	315


	TDR Modifications
	Three Months Ended March 31, 2017
	# of	Pre-modification		Post-modification
	contracts	recorded investment		recorded investment
Troubled debt restructurings
Revolving and junior liens
HAMP4	1	$	56	$	56
Other3	3		188		187
Total	4	$	244	$	243

1 Deferral: Refers to the deferral of principal.

2 Rate: Refers to interest rate reduction.

3 Other: Change of terms from bankruptcy court.