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Loans and Allowance for Loan Losses (Tables) | 3 Months Ended
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Mar. 31, 2013
Loans and Allowance for Loan Losses [Abstract] |
Components of loan portfolio disaggregated by class of loan and percentage change in total loans |
|  | March 31, 2013 |  |  | December 31, 2012 |  |  | Percent Increase (Decrease) |
|  | Balance |  |  | % |  |  | Balance |  |  | % |  |
Commercial: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial and industrial |  | $ | 272,890,000 |  |  |  | 26.7 | % |  | $ | 285,322,000 |  |  |  | 27.4 | % |  |  | (4.4 | %)
Vacant land, land development, and residential construction |  |  | 45,174,000 |  |  |  | 4.4 |  |  |  | 48,099,000 |  |  |  | 4.6 |  |  |  | (6.1 | )
Real estate – owner occupied |  |  | 253,089,000 |  |  |  | 24.7 |  |  |  | 259,277,000 |  |  |  | 24.9 |  |  |  | (2.4 | )
Real estate – non-owner occupied |  |  | 327,776,000 |  |  |  | 32.1 |  |  |  | 324,886,000 |  |  |  | 31.2 |  |  |  | 0.9 |
Real estate – multi-family and residential rental |  |  | 50,035,000 |  |  |  | 4.9 |  |  |  | 50,922,000 |  |  |  | 4.9 |  |  |  | (1.7 | )
Total commercial |  |  | 948,964,000 |  |  |  | 92.8 |  |  |  | 968,506,000 |  |  |  | 93.0 |  |  |  | (2.0 | )
Retail: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Home equity and other |  |  | 38,257,000 |  |  |  | 3.7 |  |  |  | 38,917,000 |  |  |  | 3.7 |  |  |  | (1.7 | )
1-4 family mortgages |  |  | 35,735,000 |  |  |  | 3.5 |  |  |  | 33,766,000 |  |  |  | 3.3 |  |  |  | 5.8 |
Total retail |  |  | 73,992,000 |  |  |  | 7.2 |  |  |  | 72,683,000 |  |  |  | 7.0 |  |  |  | 1.8 |
Total loans |  | $ | 1,022,956,000 |  |  |  | 100.0 | % |  | $ | 1,041,189,000 |  |  |  | 100.0 | % |  |  | (1.8 | %)
Nonperforming loans |
|  | March 31, 2013 |  |  | December 31, 2012 |
Loans past due 90 days or more still accruing interest |  | $ | 0 |  |  | $ | 0 |
Nonaccrual loans |  |  | 12,395,000 |  |  |  | 18,970,000 |
Total nonperforming loans |  | $ | 12,395,000 |  |  | $ | 18,970,000 |
Recorded principal balance of nonaccrual loans, including troubled debt restructurings |
|  | March 31, 2013 |  |  | December 31, 2012 |
Commercial: |  |  |  |  |  |  |  |
Commercial and industrial |  | $ | 1,802,000 |  |  | $ | 1,677,000 |
Vacant land, land development, and residential construction |  |  | 1,444,000 |  |  |  | 2,194,000 |
Real estate – owner occupied |  |  | 1,256,000 |  |  |  | 2,087,000 |
Real estate – non-owner occupied |  |  | 4,905,000 |  |  |  | 9,010,000 |
Real estate – multi-family and residential rental |  |  | 1,085,000 |  |  |  | 2,021,000 |
Total commercial |  |  | 10,492,000 |  |  |  | 16,989,000 |
Retail: |  |  |  |  |  |  |  |
Home equity and other |  |  | 838,000 |  |  |  | 889,000 |
1-4 family mortgages |  |  | 1,065,000 |  |  |  | 1,092,000 |
Total retail |  |  | 1,903,000 |  |  |  | 1,981,000 |
Total nonaccrual loans |  | $ | 12,395,000 |  |  | $ | 18,970,000 |
Age analysis of past due loans |
|  | 30 – 59 Days Past Due |  |  | 60 – 89 Days Past Due |  |  | Greater Than 89 Days Past Due |  |  | Total Past Due |  |  | Current |  |  | Total Loans |  |  | Recorded Balance > 89 Days and Accruing |
Commercial: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial and industrial |  | $ | 0 |  |  | $ | 0 |  |  | $ | 771,000 |  |  | $ | 771,000 |  |  | $ | 272,119,000 |  |  | $ | 272,890,000 |  |  | $ | 0 |
Vacant land, land development, and residential construction |  |  | 0 |  |  |  | 0 |  |  |  | 1,140,000 |  |  |  | 1,140,000 |  |  |  | 44,034,000 |  |  |  | 45,174,000 |  |  |  | 0 |
Real estate – owner occupied |  |  | 92,000 |  |  |  | 51,000 |  |  |  | 749,000 |  |  |  | 892,000 |  |  |  | 252,197,000 |  |  |  | 253,089,000 |  |  |  | 0 |
Real estate – non-owner occupied |  |  | 0 |  |  |  | 1,860,000 |  |  |  | 632,000 |  |  |  | 2,492,000 |  |  |  | 325,284,000 |  |  |  | 327,776,000 |  |  |  | 0 |
Real estate – multi-family and residential rental |  |  | 290,000 |  |  |  | 0 |  |  |  | 196,000 |  |  |  | 486,000 |  |  |  | 49,549,000 |  |  |  | 50,035,000 |  |  |  | 0 |
Total commercial |  |  | 382,000 |  |  |  | 1,911,000 |  |  |  | 3,488,000 |  |  |  | 5,781,000 |  |  |  | 943,183,000 |  |  |  | 948,964,000 |  |  |  | 0 |
Retail: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Home equity and other |  |  | 17,000 |  |  |  | 0 |  |  |  | 13,000 |  |  |  | 30,000 |  |  |  | 38,227,000 |  |  |  | 38,257,000 |  |  |  | 0 |
1-4 family mortgages |  |  | 0 |  |  |  | 0 |  |  |  | 436,000 |  |  |  | 436,000 |  |  |  | 35,299,000 |  |  |  | 35,735,000 |  |  |  | 0 |
Total retail |  |  | 17,000 |  |  |  | 0 |  |  |  | 449,000 |  |  |  | 466,000 |  |  |  | 73,526,000 |  |  |  | 73,992,000 |  |  |  | 0 |
Total past due loans |  | $ | 399,000 |  |  | $ | 1,911,000 |  |  | $ | 3,937,000 |  |  | $ | 6,247,000 |  |  | $ | 1,016,709,000 |  |  | $ | 1,022,956,000 |  |  | $ | 0 |
|  | 30 – 59 Days Past Due |  |  | 60 – 89 Days Past Due |  |  | Greater Than 89 Days Past Due |  |  | Total Past Due |  |  | Current |  |  | Total Loans |  |  | Recorded Balance > 89 Days and Accruing |
Commercial: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial and industrial |  | $ | 80,000 |  |  | $ | 0 |  |  | $ | 871,000 |  |  | $ | 951,000 |  |  | $ | 284,371,000 |  |  | $ | 285,322,000 |  |  | $ | 0 |
Vacant land, land development, and residential construction |  |  | 289,000 |  |  |  | 0 |  |  |  | 614,000 |  |  |  | 903,000 |  |  |  | 47,196,000 |  |  |  | 48,099,000 |  |  |  | 0 |
Real estate – owner occupied |  |  | 199,000 |  |  |  | 0 |  |  |  | 1,337,000 |  |  |  | 1,536,000 |  |  |  | 257,741,000 |  |  |  | 259,277,000 |  |  |  | 0 |
Real estate – non-owner occupied |  |  | 303,000 |  |  |  | 0 |  |  |  | 1,123,000 |  |  |  | 1,426,000 |  |  |  | 323,460,000 |  |  |  | 324,886,000 |  |  |  | 0 |
Real estate – multi-family and residential rental |  |  | 0 |  |  |  | 0 |  |  |  | 613,000 |  |  |  | 613,000 |  |  |  | 50,309,000 |  |  |  | 50,922,000 |  |  |  | 0 |
Total commercial |  |  | 871,000 |  |  |  | 0 |  |  |  | 4,558,000 |  |  |  | 5,429,000 |  |  |  | 963,077,000 |  |  |  | 968,506,000 |  |  |  | 0 |
Retail: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Home equity and other |  |  | 1,000 |  |  |  | 0 |  |  |  | 13,000 |  |  |  | 14,000 |  |  |  | 38,903,000 |  |  |  | 38,917,000 |  |  |  | 0 |
1-4 family mortgages |  |  | 47,000 |  |  |  | 190,000 |  |  |  | 437,000 |  |  |  | 674,000 |  |  |  | 33,092,000 |  |  |  | 33,766,000 |  |  |  | 0 |
Total retail |  |  | 48,000 |  |  |  | 190,000 |  |  |  | 450,000 |  |  |  | 688,000 |  |  |  | 71,995,000 |  |  |  | 72,683,000 |  |  |  | 0 |
Total past due loans |  | $ | 919,000 |  |  | $ | 190,000 |  |  | $ | 5,008,000 |  |  | $ | 6,117,000 |  |  | $ | 1,035,072,000 |  |  | $ | 1,041,189,000 |  |  | $ | 0 |
Impaired loans |
|  | Unpaid Contractual Principal Balance |  |  | Recorded Principal Balance |  |  | Related Allowance |  | Year-To-Date Average Recorded Principal Balance |
With no related allowance recorded: |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial: |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial and industrial |  | $ | 2,972,000 |  |  | $ | 1,556,000 |  |  |  |  | $ | 1,587,000 |
Vacant land, land development and residential construction |  |  | 2,342,000 |  |  |  | 1,378,000 |  |  |  |  |  | 1,389,000 |
Real estate – owner occupied |  |  | 2,314,000 |  |  |  | 1,349,000 |  |  |  |  |  | 1,453,000 |
Real estate – non-owner occupied |  |  | 7,440,000 |  |  |  | 4,717,000 |  |  |  |  |  | 5,105,000 |
Real estate – multi-family and residential rental |  |  | 1,729,000 |  |  |  | 684,000 |  |  |  |  |  | 549,000 |
Total commercial |  |  | 16,797,000 |  |  |  | 9,684,000 |  |  |  |  |  | 10,083,000 |
Retail: |  |  |  |  |  |  |  |  |  |  |  |  |  |
Home equity and other |  |  | 580,000 |  |  |  | 480,000 |  |  |  |  |  | 481,000 |
1-4 family mortgages |  |  | 1,630,000 |  |  |  | 767,000 |  |  |  |  |  | 778,000 |
Total retail |  |  | 2,210,000 |  |  |  | 1,247,000 |  |  |  |  |  | 1,259,000 |
Total with no related allowance recorded |  | $ | 19,007,000 |  |  | $ | 10,931,000 |  |  |  |  | $ | 11,342,000 |
With an allowance recorded: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial and industrial |  | $ | 2,616,000 |  |  | $ | 2,506,000 |  |  | $ | 1,407,000 |  |  | $ | 2,216,000 |
Vacant land, land development and residential construction |  |  | 1,958,000 |  |  |  | 1,480,000 |  |  |  | 726,000 |  |  |  | 1,849,000 |
Real estate – owner occupied |  |  | 3,417,000 |  |  |  | 2,953,000 |  |  |  | 1,162,000 |  |  |  | 3,289,000 |
Real estate – non-owner occupied |  |  | 30,428,000 |  |  |  | 30,322,000 |  |  |  | 10,411,000 |  |  |  | 31,643,000 |
Real estate – multi-family and residential rental |  |  | 2,761,000 |  |  |  | 2,691,000 |  |  |  | 910,000 |  |  |  | 3,307,000 |
Total commercial |  |  | 41,180,000 |  |  |  | 39,952,000 |  |  |  | 14,616,000 |  |  |  | 42,304,000 |
Retail: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Home equity and other |  |  | 369,000 |  |  |  | 346,000 |  |  |  | 155,000 |  |  |  | 370,000 |
1-4 family mortgages |  |  | 559,000 |  |  |  | 471,000 |  |  |  | 122,000 |  |  |  | 473,000 |
Total retail |  |  | 928,000 |  |  |  | 817,000 |  |  |  | 277,000 |  |  |  | 843,000 |
Total with an allowance recorded |  | $ | 42,108,000 |  |  | $ | 40,769,000 |  |  | $ | 14,893,000 |  |  | $ | 43,147,000 |
Total impaired loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial |  | $ | 57,977,000 |  |  | $ | 49,636,000 |  |  | $ | 14,616,000 |  |  | $ | 52,387,000 |
Retail |  |  | 3,138,000 |  |  |  | 2,064,000 |  |  |  | 277,000 |  |  |  | 2,102,000 |
Total impaired loans |  | $ | 61,115,000 |  |  | $ | 51,700,000 |  |  | $ | 14,893,000 |  |  | $ | 54,489,000 |
|  | Unpaid Contractual Principal Balance |  |  | Recorded Principal Balance |  |  | Related Allowance |  | Year-To-Date Average Recorded Principal Balance |
With no related allowance recorded: |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial: |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial and industrial |  | $ | 1,926,000 |  |  | $ | 1,617,000 |  |  |  |  | $ | 3,140,000 |
Vacant land, land development and residential construction |  |  | 2,356,000 |  |  |  | 1,401,000 |  |  |  |  |  | 1,848,000 |
Real estate – owner occupied |  |  | 2,368,000 |  |  |  | 1,557,000 |  |  |  |  |  | 3,139,000 |
Real estate – non-owner occupied |  |  | 9,984,000 |  |  |  | 5,492,000 |  |  |  |  |  | 6,578,000 |
Real estate – multi-family and residential rental |  |  | 1,188,000 |  |  |  | 413,000 |  |  |  |  |  | 756,000 |
Total commercial |  |  | 17,822,000 |  |  |  | 10,480,000 |  |  |  |  |  | 15,461,000 |
Retail: |  |  |  |  |  |  |  |  |  |  |  |  |  |
Home equity and other |  |  | 580,000 |  |  |  | 483,000 |  |  |  |  |  | 579,000 |
1-4 family mortgages |  |  | 1,636,000 |  |  |  | 789,000 |  |  |  |  |  | 730,000 |
Total retail |  |  | 2,216,000 |  |  |  | 1,272,000 |  |  |  |  |  | 1,309,000 |
Total with no related allowance recorded |  | $ | 20,038,000 |  |  | $ | 11,752,000 |  |  |  |  | $ | 16,770,000 |
With an allowance recorded: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial and industrial |  | $ | 3,221,000 |  |  | $ | 1,926,000 |  |  | $ | 924,000 |  |  | $ | 3,110,000 |
Vacant land, land development and residential construction |  |  | 2,333,000 |  |  |  | 2,219,000 |  |  |  | 1,367,000 |  |  |  | 3,267,000 |
Real estate – owner occupied |  |  | 4,307,000 |  |  |  | 3,626,000 |  |  |  | 1,388,000 |  |  |  | 4,913,000 |
Real estate – non-owner occupied |  |  | 33,818,000 |  |  |  | 32,964,000 |  |  |  | 11,773,000 |  |  |  | 25,061,000 |
Real estate – multi-family and residential rental |  |  | 4,471,000 |  |  |  | 3,923,000 |  |  |  | 1,408,000 |  |  |  | 7,429,000 |
Total commercial |  |  | 48,150,000 |  |  |  | 44,658,000 |  |  |  | 16,860,000 |  |  |  | 43,780,000 |
Retail: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Home equity and other |  |  | 423,000 |  |  |  | 394,000 |  |  |  | 204,000 |  |  |  | 286,000 |
1-4 family mortgages |  |  | 555,000 |  |  |  | 475,000 |  |  |  | 125,000 |  |  |  | 482,000 |
Total retail |  |  | 978,000 |  |  |  | 869,000 |  |  |  | 329,000 |  |  |  | 768,000 |
Total with an allowance recorded |  | $ | 49,128,000 |  |  | $ | 45,527,000 |  |  | $ | 17,189,000 |  |  | $ | 44,548,000 |
Total impaired loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial |  | $ | 65,972,000 |  |  | $ | 55,138,000 |  |  | $ | 16,860,000 |  |  | $ | 59,241,000 |
Retail |  |  | 3,194,000 |  |  |  | 2,141,000 |  |  |  | 329,000 |  |  |  | 2,077,000 |
Total impaired loans |  | $ | 69,166,000 |  |  | $ | 57,279,000 |  |  | $ | 17,189,000 |  |  | $ | 61,318,000 |
Loans by credit quality indicators |
|  | Commercial and Industrial |  |  | Commercial Vacant Land, Land Development, and Residential Construction |  |  | Commercial Real Estate - Owner Occupied |  |  | Commercial Real Estate - Non-Owner Occupied |  |  | Commercial Real Estate - Multi-Family and Residential Rental |
Internal credit risk grade groupings: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Grades 1 – 4 |  | $ | 190,314,000 |  |  | $ | 8,065,000 |  |  | $ | 148,122,000 |  |  | $ | 166,374,000 |  |  | $ | 23,568,000 |
Grades 5 – 7 |  |  | 79,038,000 |  |  |  | 33,858,000 |  |  |  | 100,606,000 |  |  |  | 124,228,000 |  |  |  | 22,613,000 |
Grades 8 – 9 |  |  | 3,538,000 |  |  |  | 3,251,000 |  |  |  | 4,361,000 |  |  |  | 37,174,000 |  |  |  | 3,854,000 |
Total commercial |  | $ | 272,890,000 |  |  | $ | 45,174,000 |  |  | $ | 253,089,000 |  |  | $ | 327,776,000 |  |  | $ | 50,035,000 |
Retail credit exposure – credit risk profiled by collateral type:
|  | Retail Home Equity and Other |  |  | Retail 1-4 Family Mortgages |
Total retail |  | $ | 38,257,000 |  |  | $ | 35,735,000 |
|  | Commercial and Industrial |  |  | Commercial Vacant Land, Land Development, and Residential Construction |  |  | Commercial Real Estate - Owner Occupied |  |  | Commercial Real Estate - Non-Owner Occupied |  |  | Commercial Real Estate - Multi-Family and Residential Rental |
Internal credit risk grade groupings: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Grades 1 – 4 |  | $ | 180,314,000 |  |  | $ | 6,526,000 |  |  | $ | 150,467,000 |  |  | $ | 154,127,000 |  |  | $ | 24,015,000 |
Grades 5 – 7 |  |  | 101,832,000 |  |  |  | 37,697,000 |  |  |  | 102,988,000 |  |  |  | 128,041,000 |  |  |  | 22,082,000 |
Grades 8 – 9 |  |  | 3,176,000 |  |  |  | 3,876,000 |  |  |  | 5,822,000 |  |  |  | 42,718,000 |  |  |  | 4,825,000 |
Total commercial |  | $ | 285,322,000 |  |  | $ | 48,099,000 |  |  | $ | 259,277,000 |  |  | $ | 324,886,000 |  |  | $ | 50,922,000 |
Retail credit exposure – credit risk profiled by collateral type:
|  | Retail Home Equity and Other |  |  | Retail 1-4 Family Mortgages |
Total retail |  | $ | 38,917,000 |  |  | $ | 33,766,000 |
Activity in allowance for loan losses and the recorded investments in loans |
|  | Commercial Loans |  |  | Retail Loans |  |  | Unallocated |  |  | Total |
Allowance for loan losses: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Beginning balance |  | $ | 26,043,000 |  |  | $ | 2,645,000 |  |  | $ | (11,000 | ) |  | $ | 28,677,000 |
Provision for loan losses |  |  | (1,164,000 | ) |  |  | (363,000 | ) |  |  | 27,000 |  |  |  | (1,500,000 | )
Charge-offs |  |  | (2,412,000 | ) |  |  | (3,000 | ) |  |  | 0 |  |  |  | (2,415,000 | )
Recoveries |  |  | 1,250,000 |  |  |  | 23,000 |  |  |  | 0 |  |  |  | 1,273,000 |
Ending balance |  | $ | 23,717,000 |  |  | $ | 2,302,000 |  |  | $ | 16,000 |  |  | $ | 26,035,000 |
Ending balance: individually evaluated for impairment |  | $ | 14,616,000 |  |  | $ | 277,000 |  |  | $ | 0 |  |  | $ | 14,893,000 |
Ending balance: collectively evaluated for impairment |  | $ | 9,101,000 |  |  | $ | 2,025,000 |  |  | $ | 16,000 |  |  | $ | 11,142,000 |
Total loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Ending balance |  | $ | 948,964,000 |  |  | $ | 73,992,000 |  |  |  |  |  |  | $ | 1,022,956,000 |
Ending balance: individually evaluated for impairment |  | $ | 49,636,000 |  |  | $ | 2,064,000 |  |  |  |  |  |  | $ | 51,700,000 |
Ending balance: collectively evaluated for impairment |  | $ | 899,328,000 |  |  | $ | 71,928,000 |  |  |  |  |  |  | $ | 971,256,000 |
|  | Commercial Loans |  |  | Retail Loans |  |  | Unallocated |  |  | Total |
Allowance for loan losses: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Beginning balance |  | $ | 33,431,000 |  |  | $ | 3,019,000 |  |  | $ | 82,000 |  |  | $ | 36,532,000 |
Provision for loan losses |  |  | (99,000 | ) |  |  | 94,000 |  |  |  | 5,000 |  |  |  | 0 |
Charge-offs |  |  | (7,464,000 | ) |  |  | (112,000 | ) |  |  | 0 |  |  |  | (7,576,000 | )
Recoveries |  |  | 1,940,000 |  |  |  | 47,000 |  |  |  | 0 |  |  |  | 1,987,000 |
Ending balance |  | $ | 27,808,000 |  |  | $ | 3,048,000 |  |  | $ | 87,000 |  |  | $ | 30,943,000 |
Ending balance: individually evaluated for impairment |  | $ | 14,611,000 |  |  | $ | 412,000 |  |  | $ | 0 |  |  | $ | 15,023,000 |
Ending balance: collectively evaluated for impairment |  | $ | 13,197,000 |  |  | $ | 2,636,000 |  |  | $ | 87,000 |  |  | $ | 15,920,000 |
Total loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Ending balance |  | $ | 976,452,000 |  |  | $ | 75,222,000 |  |  |  |  |  |  | $ | 1,051,674,000 |
Ending balance: individually evaluated for impairment |  | $ | 61,320,000 |  |  | $ | 2,178,000 |  |  |  |  |  |  | $ | 63,498,000 |
Ending balance: collectively evaluated for impairment |  | $ | 915,132,000 |  |  | $ | 73,044,000 |  |  |  |  |  |  | $ | 988,176,000 |
Loans modified as troubled debt restructurings |
|  | Number of Contracts |  |  | Pre- Modification Recorded Principal Balance |  |  | Post- Modification Recorded Principal Balance |
Commercial: |  |  |  |  |  |  |  |  |  |  |  |
Commercial and industrial |  |  | 1 |  |  | $ | 875,000 |  |  | $ | 875,000 |
Vacant land, land development and residential construction |  |  | 0 |  |  |  | 0 |  |  |  | 0 |
Real estate – owner occupied |  |  | 0 |  |  |  | 0 |  |  |  | 0 |
Real estate – non-owner occupied |  |  | 2 |  |  |  | 2,068,000 |  |  |  | 2,068,000 |
Real estate – multi-family and residential rental |  |  | 0 |  |  |  | 0 |  |  |  | 0 |
Total commercial |  |  | 3 |  |  |  | 2,943,000 |  |  |  | 2,943,000 |
Retail: |  |  |  |  |  |  |  |  |  |  |  |
Home equity and other |  |  | 0 |  |  |  | 0 |  |  |  | 0 |
1-4 family mortgages |  |  | 0 |  |  |  | 0 |  |  |  | 0 |
Total retail |  |  | 0 |  |  |  | 0 |  |  |  | 0 |
Total |  |  | 3 |  |  | $ | 2,943,000 |  |  | $ | 2,943,000 |
|  | Number of Contracts |  |  | Pre- Modification Recorded Principal Balance |  |  | Post- Modification Recorded Principal Balance |
Commercial: |  |  |  |  |  |  |  |  |  |  |  |
Commercial and industrial |  |  | 3 |  |  | $ | 583,000 |  |  | $ | 580,000 |
Vacant land, land development and residential construction |  |  | 0 |  |  |  | 0 |  |  |  | 0 |
Real estate – owner occupied |  |  | 3 |  |  |  | 1,046,000 |  |  |  | 1,045,000 |
Real estate – non-owner occupied |  |  | 1 |  |  |  | 4,391,000 |  |  |  | 4,391,000 |
Real estate – multi-family and residential rental |  |  | 0 |  |  |  | 0 |  |  |  | 0 |
Total commercial |  |  | 7 |  |  |  | 6,020,000 |  |  |  | 6,016,000 |
Retail: |  |  |  |  |  |  |  |  |  |  |  |
Home equity and other |  |  | 0 |  |  |  | 0 |  |  |  | 0 |
1-4 family mortgages |  |  | 0 |  |  |  | 0 |  |  |  | 0 |
Total retail |  |  | 0 |  |  |  | 0 |  |  |  | 0 |
Total |  |  | 7 |  |  | $ | 6,020,000 |  |  | $ | 6,016,000 |
Loans, modified as troubled debt restructurings within the previous twelve months, that became over 30 days past due |
|  | Number of Contracts |  |  | Recorded Principal Balance |
Commercial: |  |  |  |  |  |  |  |
Commercial and industrial |  |  | 0 |  |  | $ | 0 |
Vacant land, land development and residential construction |  |  | 0 |  |  |  | 0 |
Real estate – owner occupied |  |  | 1 |  |  |  | 44,000 |
Real estate – non-owner occupied |  |  | 0 |  |  |  | 0 |
Real estate – multi-family and residential rental |  |  | 0 |  |  |  | 0 |
Total commercial |  |  | 1 |  |  |  | 44,000 |
Retail: |  |  |  |  |  |  |  |
Home equity and other |  |  | 0 |  |  |  | 0 |
1-4 family mortgages |  |  | 0 |  |  |  | 0 |
Total retail |  |  | 0 |  |  |  | 0 |
Total |  |  | 1 |  |  | $ | 44,000 |
|  | Number of Contracts |  |  | Recorded Principal Balance |
Commercial: |  |  |  |  |  |  |  |
Commercial and industrial |  |  | 0 |  |  | $ | 0 |
Vacant land, land development and residential construction |  |  | 0 |  |  |  | 0 |
Real estate – owner occupied |  |  | 0 |  |  |  | 0 |
Real estate – non-owner occupied |  |  | 0 |  |  |  | 0 |
Real estate – multi-family and residential rental |  |  | 0 |  |  |  | 0 |
Total commercial |  |  | 0 |  |  |  | 0 |
Retail: |  |  |  |  |  |  |  |
Home equity and other |  |  | 0 |  |  |  | 0 |
1-4 family mortgages |  |  | 0 |  |  |  | 0 |
Total retail |  |  | 0 |  |  |  | 0 |
Total |  |  | 0 |  |  | $ | 0 |

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- Definition Troubled debt restructurings on financing receivables with in previous twelve months that became over thirty days past due. + References No definition available. + Details
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