XML 51 R35.htm IDEA: XBRL DOCUMENT
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Loans (Tables) | 12 Months Ended
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Dec. 31, 2018
Loans |
Schedule of major classifications of loans |
|  | December 31, 2018 |  | December 31, 2017 |
Commercial |  | $ | 314,323 |  | $ | 272,851 |
Leases |  |  | 78,806 |  |  | 68,325 |
Real estate - commercial |  |  | 820,941 |  |  | 750,991 |
Real estate - construction |  |  | 108,390 |  |  | 85,162 |
Real estate - residential |  |  | 407,068 |  |  | 313,397 |
HELOC |  |  | 140,442 |  |  | 112,833 |
Other 1 |  |  | 14,439 |  |  | 13,383 |
Total loans, excluding deferred loan costs and PCI loans |  |  | 1,884,409 |  |  | 1,616,942 |
Net deferred loan costs |  |  | 1,653 |  |  | 680 |
Total loans, excluding PCI loans |  |  | 1,886,062 |  |  | 1,617,622 |
PCI loans, net of purchase accounting adjustments |  |  | 10,965 |  |  | - |
Total loans |  | $ | 1,897,027 |  | $ | 1,617,622 |
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, 2018, and December 31, 2017, 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, 2018 |  | Past Due |  | Past Due |  | Due |  | Due |  | Current |  | Nonaccrual |  | Total Loans |  | Accruing
Commercial |  | $ | 58 |  | $ | - |  | $ | 352 |  | $ | 410 |  | $ | 313,913 |  | $ | - |  | $ | 314,323 |  | $ | 361
Leases |  |  | - |  |  | - |  |  | - |  |  | - |  |  | 78,806 |  |  | - |  |  | 78,806 |  |  | -
Real estate - commercial |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Owner occupied general purpose |  |  | 1,768 |  |  | - |  |  | 33 |  |  | 1,801 |  |  | 160,892 |  |  | 1,579 |  |  | 164,272 |  |  | 36
Owner occupied special purpose |  |  | 826 |  |  | 135 |  |  | - |  |  | 961 |  |  | 192,426 |  |  | 395 |  |  | 193,782 |  |  | -
Non-owner occupied general purpose |  |  | 2,832 |  |  | 203 |  |  | - |  |  | 3,035 |  |  | 286,115 |  |  | 4,236 |  |  | 293,386 |  |  | -
Non-owner occupied special purpose |  |  | - |  |  | - |  |  | - |  |  | - |  |  | 106,036 |  |  | 3,099 |  |  | 109,135 |  |  | -
Retail properties |  |  | - |  |  | 620 |  |  | - |  |  | 620 |  |  | 45,968 |  |  | - |  |  | 46,588 |  |  | -
Farm |  |  | - |  |  | - |  |  | - |  |  | - |  |  | 13,778 |  |  | - |  |  | 13,778 |  |  | -
Real estate - construction |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Homebuilder |  |  | - |  |  | - |  |  | - |  |  | - |  |  | 5,102 |  |  | - |  |  | 5,102 |  |  | -
Land |  |  | 266 |  |  | - |  |  | - |  |  | 266 |  |  | 2,478 |  |  | - |  |  | 2,744 |  |  | -
Commercial speculative |  |  | - |  |  | - |  |  | 350 |  |  | 350 |  |  | 55,060 |  |  | - |  |  | 55,410 |  |  | 355
All other |  |  | - |  |  | - |  |  | - |  |  | - |  |  | 45,028 |  |  | 106 |  |  | 45,134 |  |  | -
Real estate - residential |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Investor |  |  | 801 |  |  | 156 |  |  | - |  |  | 957 |  |  | 69,148 |  |  | 353 |  |  | 70,458 |  |  | -
Multi-family |  |  | 545 |  |  | - |  |  | 179 |  |  | 724 |  |  | 195,504 |  |  | - |  |  | 196,228 |  |  | 180
Owner occupied |  |  | 1,241 |  |  | 705 |  |  | - |  |  | 1,946 |  |  | 135,360 |  |  | 3,076 |  |  | 140,382 |  |  | -
HELOC |  |  | 775 |  |  | - |  |  | - |  |  | 775 |  |  | 138,801 |  |  | 866 |  |  | 140,442 |  |  | -
Other 1 |  |  | 53 |  |  | 5 |  |  | 3 |  |  | 61 |  |  | 16,000 |  |  | 31 |  |  | 16,092 |  |  | 3
Total, excluding PCI loans |  | $ | 9,165 |  | $ | 1,824 |  | $ | 917 |  | $ | 11,906 |  | $ | 1,860,415 |  | $ | 13,741 |  | $ | 1,886,062 |  | $ | 935
PCI loans, net of purchase accounting adjustments |  |  | 1,452 |  |  | - |  |  | - |  |  | 1,452 |  |  | 7,248 |  |  | 2,265 |  |  | 10,965 |  |  | -
Total |  | $ | 10,617 |  | $ | 1,824 |  | $ | 917 |  | $ | 13,358 |  | $ | 1,867,663 |  | $ | 16,006 |  | $ | 1,897,027 |  | $ | 935
|  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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 |  |  | -
Multi-family |  |  | - |  |  | - |  |  | - |  |  | - |  |  | 125,049 |  |  | 4,723 |  |  | 129,772 |  |  | -
Owner occupied |  |  | 74 |  |  | - |  |  | - |  |  | 74 |  |  | 123,257 |  |  | 4,674 |  |  | 128,005 |  |  | -
HELOC |  |  | 491 |  |  | 278 |  |  | - |  |  | 769 |  |  | 110,872 |  |  | 1,192 |  |  | 112,833 |  |  | -
Other 1 |  |  | 37 |  |  | - |  |  | - |  |  | 37 |  |  | 14,019 |  |  | 7 |  |  | 14,063 |  |  | -
Total |  | $ | 4,212 |  | $ | 1,146 |  | $ | 248 |  | $ | 5,606 |  | $ | 1,597,628 |  | $ | 14,388 |  | $ | 1,617,622 |  | $ | 254
1 The “Other” class includes consumer loans, overdrafts and net deferred costs.
Schedule of credit quality indicators by class of loans |
December 31, 2018 |  |  |  |  | Special |  |  |  |  |  |  |  |  |
|  | Pass |  | Mention |  | Substandard 2 |  | Doubtful |  | Total
Commercial |  | $ | 305,993 |  | $ | 8,193 |  | $ | 137 |  | $ | - |  | $ | 314,323
Leases |  |  | 78,806 |  |  | - |  |  | - |  |  | - |  |  | 78,806
Real estate - commercial |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Owner occupied general purpose |  |  | 157,334 |  |  | 1,660 |  |  | 5,278 |  |  | - |  |  | 164,272
Owner occupied special purpose |  |  | 186,218 |  |  | 3,429 |  |  | 4,135 |  |  | - |  |  | 193,782
Non-owner occupied general purpose |  |  | 284,818 |  |  | 202 |  |  | 8,366 |  |  | - |  |  | 293,386
Non-owner occupied special purpose |  |  | 104,526 |  |  | 1,510 |  |  | 3,099 |  |  | - |  |  | 109,135
Retail Properties |  |  | 44,805 |  |  | - |  |  | 1,783 |  |  | - |  |  | 46,588
Farm |  |  | 11,307 |  |  | 1,249 |  |  | 1,222 |  |  | - |  |  | 13,778
Real estate - construction |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Homebuilder |  |  | 5,102 |  |  | - |  |  | - |  |  | - |  |  | 5,102
Land |  |  | 2,744 |  |  | - |  |  | - |  |  | - |  |  | 2,744
Commercial speculative |  |  | 55,410 |  |  | - |  |  | - |  |  | - |  |  | 55,410
All other |  |  | 42,524 |  |  | - |  |  | 2,610 |  |  | - |  |  | 45,134
Real estate - residential |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Investor |  |  | 69,242 |  |  | - |  |  | 1,216 |  |  | - |  |  | 70,458
Multi-family |  |  | 195,249 |  |  | - |  |  | 979 |  |  | - |  |  | 196,228
Owner occupied |  |  | 135,858 |  |  | - |  |  | 4,524 |  |  | - |  |  | 140,382
HELOC |  |  | 138,553 |  |  | - |  |  | 1,889 |  |  | - |  |  | 140,442
Other 1 |  |  | 16,061 |  |  | - |  |  | 31 |  |  | - |  |  | 16,092
Total, excluding PCI loans |  | $ | 1,834,550 |  | $ | 16,243 |  | $ | 35,269 |  | $ | - |  | $ | 1,886,062
PCI loans, net of purchase accounting adjustments |  |  | 907 |  |  | 2,906 |  |  | 7,152 |  |  | - |  |  | 10,965
Total |  | $ | 1,835,457 |  | $ | 19,149 |  | $ | 42,421 |  | $ | - |  | $ | 1,897,027
December 31, 2017 |  |  |  |  | Special |  |  |  |  |  |  |  |  |
|  | Pass |  | Mention |  | Substandard 2 |  | 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
Multi-family |  |  | 125,049 |  |  | - |  |  | 4,723 |  |  | - |  |  | 129,772
Owner occupied |  |  | 122,178 |  |  | 561 |  |  | 5,266 |  |  | - |  |  | 128,005
HELOC |  |  | 110,934 |  |  | - |  |  | 1,899 |  |  | - |  |  | 112,833
Other 1 |  |  | 14,043 |  |  | - |  |  | 20 |  |  | - |  |  | 14,063
Total |  | $ | 1,583,352 |  | $ | 10,965 |  | $ | 23,305 |  | $ | - |  | $ | 1,617,622
1 The “Other” class includes consumer, overdrafts and net deferred costs. 2 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, 2018 |  | December 31, 2017
|  |  |  |  | Unpaid |  |  |  |  |  |  | Unpaid |  |
|  | Recorded |  | Principal |  | Related |  | Recorded |  | Principal |  | Related
|  | Investment |  | Balance |  | Allowance |  | Investment |  | Balance |  | Allowance
With no related allowance recorded |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial |  | $ | - |  | $ | - |  | $ | - |  | $ | - |  | $ | - |  | $ | -
Leases |  |  | - |  |  | - |  |  | - |  |  | 178 |  |  | 213 |  |  | -
Commercial real estate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Owner occupied general purpose |  |  | 1,659 |  |  | 1,782 |  |  | - |  |  | 455 |  |  | 495 |  |  | -
Owner occupied special purpose |  |  | 395 |  |  | 530 |  |  | - |  |  | 342 |  |  | 498 |  |  | -
Non-owner occupied general purpose |  |  | 1,138 |  |  | 1,159 |  |  | - |  |  | 1,163 |  |  | 1,538 |  |  | -
Non-owner occupied special purpose |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | -
Retail properties |  |  | - |  |  | - |  |  | - |  |  | 1,081 |  |  | 1,177 |  |  | -
Farm |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | -
Construction |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Homebuilder |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | -
Land |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | -
Commercial speculative |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | -
All other |  |  | 49 |  |  | 73 |  |  | - |  |  | 201 |  |  | 229 |  |  | -
Residential |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Investor |  |  | 353 |  |  | 459 |  |  | - |  |  | 372 |  |  | 676 |  |  | -
Multi-family |  |  | - |  |  | - |  |  | - |  |  | 4,723 |  |  | 4,965 |  |  | -
Owner occupied |  |  | 3,359 |  |  | 4,882 |  |  | - |  |  | 5,208 |  |  | 6,680 |  |  | -
HELOC |  |  | 884 |  |  | 1,003 |  |  | - |  |  | 1,125 |  |  | 1,313 |  |  | -
Other 1 |  |  | 7 |  |  | 7 |  |  | - |  |  | 7 |  |  | 8 |  |  | -
Total impaired loans with no recorded allowance |  |  | 7,844 |  |  | 9,895 |  |  | - |  |  | 14,855 |  |  | 17,792 |  |  | -
With an allowance recorded |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | -
Leases |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | -
Commercial real estate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Owner occupied general purpose |  |  | 396 |  |  | 396 |  |  | 3 |  |  | - |  |  | - |  |  | -
Owner occupied special purpose |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | -
Non-owner occupied general purpose |  |  | 3,098 |  |  | 4,038 |  |  | 97 |  |  | - |  |  | - |  |  | -
Non-owner occupied special purpose |  |  | 3,099 |  |  | 3,575 |  |  | 139 |  |  | - |  |  | - |  |  | -
Retail properties |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | -
Farm |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | -
Construction |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Homebuilder |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | -
Land |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | -
Commercial speculative |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | -
All other |  |  | 57 |  |  | 58 |  |  | 1 |  |  | - |  |  | - |  |  | -
Residential |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Investor |  |  | 808 |  |  | 808 |  |  | 4 |  |  | 829 |  |  | 829 |  |  | 10
Multi-family |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | -
Owner occupied |  |  | 3,676 |  |  | 3,679 |  |  | 46 |  |  | 3,443 |  |  | 3,443 |  |  | 43
HELOC |  |  | 1,357 |  |  | 1,357 |  |  | 49 |  |  | 985 |  |  | 985 |  |  | 91
Other 1 |  |  | 24 |  |  | 25 |  |  | 13 |  |  | - |  |  | - |  |  | -
Total impaired loans with a recorded allowance |  |  | 12,515 |  |  | 13,936 |  |  | 352 |  |  | 5,257 |  |  | 5,257 |  |  | 144
Total impaired loans |  | $ | 20,359 |  | $ | 23,831 |  | $ | 352 |  | $ | 20,112 |  | $ | 23,049 |  | $ | 144
1 The “Other” class includes consumer loans and overdraft. Average recorded investment and interest income recognized on impaired loans by class of loan for the years ending December 31 were as follows:
|  | Years Ended |  | Years Ended |  | Years Ended
|  | December 31, 2018 |  | December 31, 2017 |  | December 31, 2016
|  | 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 |  | $ | -
Lease |  |  | 89 |  |  | - |  |  | 272 |  |  | - |  |  | 183 |  |  | -
Commercial real estate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Owner occupied general purpose |  |  | 1,057 |  |  | 8 |  |  | 1,168 |  |  | - |  |  | 2,098 |  |  | 87
Owner occupied special purpose |  |  | 369 |  |  | - |  |  | 364 |  |  | - |  |  | 574 |  |  | -
Non-owner occupied general purpose |  |  | 1,150 |  |  | - |  |  | 1,453 |  |  | - |  |  | 1,395 |  |  | 2
Non-owner occupied special purpose |  |  | - |  |  | - |  |  | 507 |  |  | - |  |  | 507 |  |  | -
Retail properties |  |  | 541 |  |  | - |  |  | 1,130 |  |  | - |  |  | 589 |  |  | -
Farm |  |  | - |  |  | - |  |  | - |  |  | - |  |  | 636 |  |  | -
Construction |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Homebuilder |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | -
Land |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | -
Commercial speculative |  |  | - |  |  | - |  |  | 37 |  |  | - |  |  | 79 |  |  | -
All other |  |  | 125 |  |  | - |  |  | 204 |  |  | - |  |  | 103 |  |  | -
Residential |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Investor |  |  | 362 |  |  | - |  |  | 1,106 |  |  | - |  |  | 1,874 |  |  | 47
Multi-family |  |  | 2,362 |  |  | - |  |  | 2,362 |  |  | - |  |  | - |  |  | -
Owner occupied |  |  | 4,283 |  |  | 39 |  |  | 7,516 |  |  | 44 |  |  | 10,181 |  |  | 158
HELOC |  |  | 1,005 |  |  | 1 |  |  | 1,804 |  |  | 1 |  |  | 2,608 |  |  | 29
Other 1 |  |  | 7 |  |  | - |  |  | 4 |  |  | - |  |  | - |  |  | -
Total impaired loans with no recorded allowance |  |  | 11,350 |  |  | 48 |  |  | 18,047 |  |  | 45 |  |  | 20,982 |  |  | 323
With an allowance recorded |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial |  |  | - |  |  | - |  |  | - |  |  | - |  |  | 2 |  |  | -
Leases |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | -
Commercial real estate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Owner occupied general purpose |  |  | 198 |  |  | 29 |  |  | - |  |  | - |  |  | - |  |  | -
Owner occupied special purpose |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | -
Non-owner occupied general purpose |  |  | 1,549 |  |  | - |  |  | 123 |  |  | - |  |  | 123 |  |  | -
Non-owner occupied special purpose |  |  | 1,549 |  |  | - |  |  | - |  |  | - |  |  | - |  |  | -
Retail properties |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | -
Farm |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | -
Construction |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Homebuilder |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | -
Land |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | -
Commercial speculative |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | -
All other |  |  | 29 |  |  | - |  |  | - |  |  | - |  |  | - |  |  | -
Residential |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Investor |  |  | 818 |  |  | 43 |  |  | 414 |  |  | 43 |  |  | - |  |  | -
Multi-family |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | -
Owner occupied |  |  | 3,560 |  |  | 150 |  |  | 2,123 |  |  | 123 |  |  | 457 |  |  | -
HELOC |  |  | 1,171 |  |  | 56 |  |  | 493 |  |  | 35 |  |  | 23 |  |  | -
Other 1 |  |  | 12 |  |  | - |  |  | - |  |  | - |  |  | - |  |  | -
Total impaired loans with a recorded allowance |  |  | 8,886 |  |  | 278 |  |  | 3,153 |  |  | 201 |  |  | 605 |  |  | -
Total impaired loans |  | $ | 20,236 |  | $ | 326 |  | $ | 21,200 |  | $ | 246 |  | $ | 21,587 |  | $ | 323
Schedule of TDRs modified during the period by type of modification | Loans that were modified during the period are summarized as follows:
|  | TDR Modifications |
|  | Years Ended December 31, 2018 |
|  | # of |  | Pre-modification |  | Post-modification |
|  | contracts |  | recorded investment |  | recorded investment |
Troubled debt restructurings |  |  |  |  |  |  |  |  |
Real estate - commercial |  |  |  |  |  |  |  |  |
Owner occupied general purpose |  |  |  |  |  |  |  |  |
Other 1 |  | 1 |  | $ | 427 |  | $ | 396 |
Owner occupied special purpose |  |  |  |  |  |  |  |  |
Other 1 |  | 1 |  |  | 110 |  |  | 46 |
Real estate - construction |  |  |  |  |  |  |  |  |
All other |  |  |  |  |  |  |  |  |
Hamp 2 |  | 1 |  |  | 58 |  |  | 56 |
Real estate - residential |  |  |  |  |  |  |  |  |
Owner occupied |  |  |  |  |  |  |  |  |
HAMP 2 |  | 4 |  |  | 502 |  |  | 443 |
Other 1 |  | 1 |  |  | 34 |  |  | 29 |
HELOC |  |  |  |  |  |  |  |  |
HAMP 2 |  | 3 |  |  | 117 |  |  | 115 |
Rate 3 |  | 1 |  |  | 24 |  |  | 24 |
Other 1 |  | 9 |  |  | 622 |  |  | 600 |
Total |  | 21 |  | $ | 1,894 |  | $ | 1,709 |
|  | TDR Modifications |
|  | Years 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 |
1 Other: Change of terms from bankruptcy court 2 HAMP: Home Affordable Modification Program
Schedule of accretable discount on purchased loans |
|  | Accretable Discount - Non-PCI Loans |  | Accretable Discount - PCI Loans |  | Non-Accretable Discount - PCI Loans |  | Total
Beginning balance, January 1, 2018 |  | $ | 835 |  | $ | - |  | $ | - |  | $ | 835
Purchases |  |  | 3,182 |  |  | 1,551 |  |  | 6,536 |  |  | 11,269
Accretion |  |  | (1,777) |  |  | (424) |  |  | (434) |  |  | (2,635)
Transfer 1 |  |  | (373) |  |  | (28) |  |  | (133) |  |  | (534)
Ending balance, December 31, 2018 |  | $ | 1,867 |  | $ | 1,099 |  | $ | 5,969 |  | $ | 8,935
Schedule of loans to principal officers, directors, and their affiliates, made in the ordinary course of business |
|  | 2018 |  | 2017 |
Beginning balance |  | $ | 1,524 |  | $ | 1,703 |
New loans |  |  | 89 |  |  | 20 |
Repayments and other reductions |  |  | (196) |  |  | (199) |
Change in related party status |  |  | - |  |  | - |
Ending balance |  | $ | 1,417 |  | $ | 1,524 |

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