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LOANS AND ALLOWANCE FOR LOAN LOSSES (Tables) | 9 Months Ended
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Sep. 30, 2013
Receivables [Abstract] |
Components of Loan Portfolio Disaggregated by Class of Loan and Percentage Change in Total Loans | The components of our loan portfolio disaggregated by class of loan within the loan portfolio segments at September 30, 2013 and December 31, 2012, and the percentage change in loans from the end of 2012 to the end of the third quarter of 2013, are as follows:
|  |  |  |  |  |  |  |  |  |  |  |  |  | Percent |
|  | September 30, 2013 |  |  | December 31, 2012 |  |  | Increase |
|  | Balance |  |  | % |  |  | Balance |  |  | % |  |  | (Decrease) |
Commercial: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial and industrial |  | $ | 286,887,000 |  |  |  | 26.7 | % |  | $ | 285,322,000 |  |  |  | 27.4 | % |  |  | 0.5 | %
Vacant land, land development, and residential construction |  |  | 40,741,000 |  |  |  | 3.8 |  |  |  | 48,099,000 |  |  |  | 4.6 |  |  |  | (15.3 | )
Real estate – owner occupied |  |  | 258,656,000 |  |  |  | 24.1 |  |  |  | 259,277,000 |  |  |  | 24.9 |  |  |  | (0.2 | )
Real estate – non-owner occupied |  |  | 368,301,000 |  |  |  | 34.2 |  |  |  | 324,886,000 |  |  |  | 31.2 |  |  |  | 13.4 |
Real estate – multi-family and residential rental |  |  | 53,178,000 |  |  |  | 4.9 |  |  |  | 50,922,000 |  |  |  | 4.9 |  |  |  | 4.4 |
Total commercial |  |  | 1,007,763,000 |  |  |  | 93.7 |  |  |  | 968,506,000 |  |  |  | 93.0 |  |  |  | 4.1 |
Retail: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Home equity and other |  |  | 36,575,000 |  |  |  | 3.4 |  |  |  | 38,917,000 |  |  |  | 3.7 |  |  |  | (6.0 | )
1-4 family mortgages |  |  | 31,149,000 |  |  |  | 2.9 |  |  |  | 33,766,000 |  |  |  | 3.3 |  |  |  | (7.8 | )
Total retail |  |  | 67,724,000 |  |  |  | 6.3 |  |  |  | 72,683,000 |  |  |  | 7.0 |  |  |  | (6.8 | )
Total loans |  | $ | 1,075,487,000 |  |  |  | 100.0 | % |  | $ | 1,041,189,000 |  |  |  | 100.0 | % |  |  | 3.3 | %
Nonperforming Loans | Nonperforming loans as of September 30, 2013 and December 31, 2012 were as follows:
|  | September 30, 2013 |  |  | December 31, 2012 |
Loans past due 90 days or more still accruing interest |  | $ | 0 |  |  | $ | 0 |
Nonaccrual loans |  |  | 10,526,000 |  |  |  | 18,970,000 |
Total nonperforming loans |  | $ | 10,526,000 |  |  | $ | 18,970,000 |
Recorded Principal Balance of Nonaccrual Loans | The recorded principal balance of nonaccrual loans was as follows:
|  | September 30, 2013 |  |  | December 31, 2012 |
Commercial: |  |  |  |  |  |  |  |
Commercial and industrial |  | $ | 1,581,000 |  |  | $ | 1,677,000 |
Vacant land, land development, and residential construction |  |  | 922,000 |  |  |  | 2,194,000 |
Real estate – owner occupied |  |  | 570,000 |  |  |  | 2,087,000 |
Real estate – non-owner occupied |  |  | 4,642,000 |  |  |  | 9,010,000 |
Real estate – multi-family and residential rental |  |  | 764,000 |  |  |  | 2,021,000 |
Total commercial |  |  | 8,479,000 |  |  |  | 16,989,000 |
Retail: |  |  |  |  |  |  |  |
Home equity and other |  |  | 805,000 |  |  |  | 889,000 |
1-4 family mortgages |  |  | 1,242,000 |  |  |  | 1,092,000 |
Total retail |  |  | 2,047,000 |  |  |  | 1,981,000 |
Total nonaccrual loans |  | $ | 10,526,000 |  |  | $ | 18,970,000 |
Age Analysis of Past Due Loans | An age analysis of past due loans is as follows as of September 30, 2013:
|  | 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 |  | $ | 22,000 |  |  | $ | 0 |  |  | $ | 631,000 |  |  | $ | 653,000 |  |  | $ | 286,234,000 |  |  | $ | 286,887,000 |  |  | $ | 0 |
Vacant land, land development, and residential construction |  |  | 0 |  |  |  | 0 |  |  |  | 85,000 |  |  |  | 85,000 |  |  |  | 40,656,000 |  |  |  | 40,741,000 |  |  |  | 0 |
Real estate – owner occupied |  |  | 0 |  |  |  | 0 |  |  |  | 53,000 |  |  |  | 53,000 |  |  |  | 258,603,000 |  |  |  | 258,656,000 |  |  |  | 0 |
Real estate – non-owner occupied |  |  | 0 |  |  |  | 0 |  |  |  | 1,860,000 |  |  |  | 1,860,000 |  |  |  | 366,441,000 |  |  |  | 368,301,000 |  |  |  | 0 |
Real estate – multi-family and residential rental |  |  | 0 |  |  |  | 0 |  |  |  | 264,000 |  |  |  | 264,000 |  |  |  | 52,914,000 |  |  |  | 53,178,000 |  |  |  | 0 |
Total commercial |  |  | 22,000 |  |  |  | 0 |  |  |  | 2,893,000 |  |  |  | 2,915,000 |  |  |  | 1,004,848,000 |  |  |  | 1,007,763,000 |  |  |  | 0 |
Retail: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Home equity and other |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 36,575,000 |  |  |  | 36,575,000 |  |  |  | 0 |
1-4 family mortgages |  |  | 25,000 |  |  |  | 0 |  |  |  | 463,000 |  |  |  | 488,000 |  |  |  | 30,661,000 |  |  |  | 31,149,000 |  |  |  | 0 |
Total retail |  |  | 25,000 |  |  |  | 0 |  |  |  | 463,000 |  |  |  | 488,000 |  |  |  | 67,236,000 |  |  |  | 67,724,000 |  |  |  | 0 |
Total past due loans |  | $ | 47,000 |  |  | $ | 0 |  |  | $ | 3,356,000 |  |  | $ | 3,403,000 |  |  | $ | 1,072,084,000 |  |  | $ | 1,075,487,000 |  |  | $ | 0 |
An age analysis of past due loans is as follows as of December 31, 2012:
|  | 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 | Impaired loans as of September 30, 2013, and average impaired loans for the three and nine months ended September 30, 2013, were as follows:
|  | Unpaid Contractual Principal Balance |  |  | Recorded Principal Balance |  |  | Related Allowance |  | Third Quarter Average Recorded Principal Balance |  |  | Year-To-Date Average Recorded Principal Balance |
With no related allowance recorded: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial and industrial |  | $ | 2,632,000 |  |  | $ | 1,063,000 |  |  |  |  | $ | 1,170,000 |  |  | $ | 1,378,000 |
Vacant land, land development and residential construction |  |  | 1,200,000 |  |  |  | 804,000 |  |  |  |  |  | 907,000 |  |  |  | 1,148,000 |
Real estate – owner occupied |  |  | 575,000 |  |  |  | 347,000 |  |  |  |  |  | 865,000 |  |  |  | 1,159,000 |
Real estate – non-owner occupied |  |  | 5,135,000 |  |  |  | 4,108,000 |  |  |  |  |  | 4,651,000 |  |  |  | 4,878,000 |
Real estate – multi-family and residential rental |  |  | 1,008,000 |  |  |  | 337,000 |  |  |  |  |  | 425,000 |  |  |  | 487,000 |
Total commercial |  |  | 10,550,000 |  |  |  | 6,659,000 |  |  |  |  |  | 8,018,000 |  |  |  | 9,050,000 |
Retail: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Home equity and other |  |  | 508,000 |  |  |  | 464,000 |  |  |  |  |  | 466,000 |  |  |  | 474,000 |
1-4 family mortgages |  |  | 1,398,000 |  |  |  | 754,000 |  |  |  |  |  | 715,000 |  |  |  | 746,000 |
Total retail |  |  | 1,906,000 |  |  |  | 1,218,000 |  |  |  |  |  | 1,181,000 |  |  |  | 1,220,000 |
Total with no related allowance recorded |  | $ | 12,456,000 |  |  | $ | 7,877,000 |  |  |  |  | $ | 9,199,000 |  |  | $ | 10,270,000 |
|  | Unpaid Contractual Principal Balance |  |  | Recorded Principal Balance |  |  | Related Allowance |  |  | Third Quarter Average Recorded Principal Balance |  |  | Year-To-Date Average Recorded Principal Balance |
With an allowance recorded: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial and industrial |  | $ | 2,002,000 |  |  | $ | 1,941,000 |  |  | $ | 1,035,000 |  |  | $ | 1,764,000 |  |  | $ | 1,990,000 |
Vacant land, land development and residential construction |  |  | 4,557,000 |  |  |  | 4,418,000 |  |  |  | 1,216,000 |  |  |  | 4,466,000 |  |  |  | 3,158,000 |
Real estate – owner occupied |  |  | 2,368,000 |  |  |  | 2,310,000 |  |  |  | 901,000 |  |  |  | 2,330,000 |  |  |  | 2,810,000 |
Real estate – non-owner occupied |  |  | 28,358,000 |  |  |  | 28,346,000 |  |  |  | 9,785,000 |  |  |  | 28,789,000 |  |  |  | 30,216,000 |
Real estate – multi-family and residential rental |  |  | 2,820,000 |  |  |  | 2,752,000 |  |  |  | 923,000 |  |  |  | 2,639,000 |  |  |  | 2,973,000 |
Total commercial |  |  | 40,105,000 |  |  |  | 39,767,000 |  |  |  | 13,860,000 |  |  |  | 39,988,000 |  |  |  | 41,147,000 |
Retail: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Home equity and other |  |  | 322,000 |  |  |  | 293,000 |  |  |  | 102,000 |  |  |  | 309,000 |  |  |  | 339,000 |
1-4 family mortgages |  |  | 2,370,000 |  |  |  | 2,340,000 |  |  |  | 1,101,000 |  |  |  | 2,480,000 |  |  |  | 1,477,000 |
Total retail |  |  | 2,692,000 |  |  |  | 2,633,000 |  |  |  | 1,203,000 |  |  |  | 2,789,000 |  |  |  | 1,816,000 |
Total with an allowance recorded |  | $ | 42,797,000 |  |  | $ | 42,400,000 |  |  | $ | 15,063,000 |  |  | $ | 42,777,000 |  |  | $ | 42,963,000 |
Total impaired loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial |  | $ | 50,655,000 |  |  | $ | 46,426,000 |  |  | $ | 13,860,000 |  |  | $ | 48,006,000 |  |  | $ | 50,197,000 |
Retail |  |  | 4,598,000 |  |  |  | 3,851,000 |  |  |  | 1,203,000 |  |  |  | 3,970,000 |  |  |  | 3,036,000 |
Total impaired loans |  | $ | 55,253,000 |  |  | $ | 50,277,000 |  |  | $ | 15,063,000 |  |  | $ | 51,976,000 |  |  | $ | 53,233,000 |
Impaired loans as of December 31, 2012, and average impaired loans for the three and nine months ended September 30, 2012, were as follows:
|  | Unpaid Contractual Principal Balance |  |  | Recorded Principal Balance |  |  | Related Allowance |  | Third Quarter Average Recorded Principal Balance |  |  | Year-To-Date Average Recorded Principal Balance |
With no related allowance recorded: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial and industrial |  | $ | 1,926,000 |  |  | $ | 1,617,000 |  |  |  |  | $ | 3,209,000 |  |  | $ | 3,521,000 |
Vacant land, land development and residential construction |  |  | 2,356,000 |  |  |  | 1,401,000 |  |  |  |  |  | 1,480,000 |  |  |  | 1,959,000 |
Real estate – owner occupied |  |  | 2,368,000 |  |  |  | 1,557,000 |  |  |  |  |  | 3,391,000 |  |  |  | 3,535,000 |
Real estate – non-owner occupied |  |  | 9,984,000 |  |  |  | 5,492,000 |  |  |  |  |  | 5,832,000 |  |  |  | 6,850,000 |
Real estate – multi-family and residential rental |  |  | 1,188,000 |  |  |  | 413,000 |  |  |  |  |  | 918,000 |  |  |  | 841,000 |
Total commercial |  |  | 17,822,000 |  |  |  | 10,480,000 |  |  |  |  |  | 14,830,000 |  |  |  | 16,706,000 |
Retail: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Home equity and other |  |  | 580,000 |  |  |  | 483,000 |  |  |  |  |  | 482,000 |  |  |  | 603,000 |
1-4 family mortgages |  |  | 1,636,000 |  |  |  | 789,000 |  |  |  |  |  | 715,000 |  |  |  | 715,000 |
Total retail |  |  | 2,216,000 |  |  |  | 1,272,000 |  |  |  |  |  | 1,197,000 |  |  |  | 1,318,000 |
Total with no related allowance recorded |  | $ | 20,038,000 |  |  | $ | 11,752,000 |  |  |  |  | $ | 16,027,000 |  |  | $ | 18,024,000 |
|  | Unpaid Contractual Principal Balance |  |  | Recorded Principal Balance |  |  | Related Allowance |  |  | Third Quarter Average Recorded Principal Balance |  |  | Year-To-Date Average Recorded Principal Balance |
With an allowance recorded: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial and industrial |  | $ | 3,221,000 |  |  | $ | 1,926,000 |  |  | $ | 924,000 |  |  | $ | 3,528,000 |  |  | $ | 3,406,000 |
Vacant land, land development and residential construction |  |  | 2,333,000 |  |  |  | 2,219,000 |  |  |  | 1,367,000 |  |  |  | 2,981,000 |  |  |  | 3,529,000 |
Real estate – owner occupied |  |  | 4,307,000 |  |  |  | 3,626,000 |  |  |  | 1,388,000 |  |  |  | 4,120,000 |  |  |  | 5,235,000 |
Real estate – non-owner occupied |  |  | 33,818,000 |  |  |  | 32,964,000 |  |  |  | 11,773,000 |  |  |  | 25,220,000 |  |  |  | 23,085,000 |
Real estate – multi-family and residential rental |  |  | 4,471,000 |  |  |  | 3,923,000 |  |  |  | 1,408,000 |  |  |  | 4,748,000 |  |  |  | 8,306,000 |
Total commercial |  |  | 48,150,000 |  |  |  | 44,658,000 |  |  |  | 16,860,000 |  |  |  | 40,597,000 |  |  |  | 43,561,000 |
Retail: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Home equity and other |  |  | 423,000 |  |  |  | 394,000 |  |  |  | 204,000 |  |  |  | 291,000 |  |  |  | 259,000 |
1-4 family mortgages |  |  | 555,000 |  |  |  | 475,000 |  |  |  | 125,000 |  |  |  | 503,000 |  |  |  | 484,000 |
Total retail |  |  | 978,000 |  |  |  | 869,000 |  |  |  | 329,000 |  |  |  | 794,000 |  |  |  | 743,000 |
Total with an allowance recorded |  | $ | 49,128,000 |  |  | $ | 45,527,000 |  |  | $ | 17,189,000 |  |  | $ | 41,391,000 |  |  | $ | 44,304,000 |
Total impaired loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial |  | $ | 65,972,000 |  |  | $ | 55,138,000 |  |  | $ | 16,860,000 |  |  | $ | 55,427,000 |  |  | $ | 60,267,000 |
Retail |  |  | 3,194,000 |  |  |  | 2,141,000 |  |  |  | 329,000 |  |  |  | 1,991,000 |  |  |  | 2,061,000 |
Total impaired loans |  | $ | 69,166,000 |  |  | $ | 57,279,000 |  |  | $ | 17,189,000 |  |  | $ | 57,418,000 |  |  | $ | 62,328,000 |
Loans by Credit Quality Indicators | Loans by credit quality indicators were as follows as of September 30, 2013: Commercial credit exposure – credit risk profiled by internal credit risk grades:
|  | 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 |  | $ | 208,750,000 |  |  | $ | 8,089,000 |  |  | $ | 157,824,000 |  |  | $ | 205,586,000 |  |  | $ | 31,755,000 |
Grades 5 – 7 |  |  | 75,339,000 |  |  |  | 27,022,000 |  |  |  | 97,819,000 |  |  |  | 130,040,000 |  |  |  | 18,230,000 |
Grades 8 – 9 |  |  | 2,798,000 |  |  |  | 5,630,000 |  |  |  | 3,013,000 |  |  |  | 32,675,000 |  |  |  | 3,193,000 |
Total commercial |  | $ | 286,887,000 |  |  | $ | 40,741,000 |  |  | $ | 258,656,000 |  |  | $ | 368,301,000 |  |  | $ | 53,178,000 |
Retail credit exposure – credit risk profiled by collateral type:
|  | Retail Home Equity and Other |  |  | Retail 1-4 Family Mortgages |
Total retail |  | $ | 36,575,000 |  |  | $ | 31,149,000 |
Loans by credit quality indicators were as follows as of December 31, 2012: Commercial credit exposure – credit risk profiled by internal credit risk grades:
|  | 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 | Activity in the allowance for loan losses and the recorded investments in loans as of and during the three and nine months ended September 30, 2013 are as follows:
|  | Commercial Loans |  |  | Retail Loans |  |  | Unallocated |  |  | Total |
Allowance for loan losses: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Balance at June 30, 2013 |  | $ | 22,382,000 |  |  | $ | 2,559,000 |  |  | $ | 6,000 |  |  | $ | 24,947,000 |
Provision for loan losses |  |  | (1,730,000 | ) |  |  | (7,000 | ) |  |  | 37,000 |  |  |  | (1,700,000 | )
Charge-offs |  |  | 0 |  |  |  | (85,000 | ) |  |  | 0 |  |  |  | (85,000 | )
Recoveries |  |  | 2,002,000 |  |  |  | 31,000 |  |  |  | 0 |  |  |  | 2,033,000 |
Ending balance |  | $ | 22,654,000 |  |  | $ | 2,498,000 |  |  | $ | 43,000 |  |  | $ | 25,195,000 |
Allowance for loan losses: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Balance at December 31, 2012 |  | $ | 26,043,000 |  |  | $ | 2,645,000 |  |  | $ | (11,000 | ) |  | $ | 28,677,000 |
Provision for loan losses |  |  | (4,375,000 | ) |  |  | (379,000 | ) |  |  | 54,000 |  |  |  | (4,700,000 | )
Charge-offs |  |  | (2,774,000 | ) |  |  | (107,000 | ) |  |  | 0 |  |  |  | (2,881,000 | )
Recoveries |  |  | 3,760,000 |  |  |  | 339,000 |  |  |  | 0 |  |  |  | 4,099,000 |
Ending balance |  | $ | 22,654,000 |  |  | $ | 2,498,000 |  |  | $ | 43,000 |  |  | $ | 25,195,000 |
Ending balance: individually evaluated for impairment |  | $ | 13,860,000 |  |  | $ | 1,203,000 |  |  | $ | 0 |  |  | $ | 15,063,000 |
Ending balance: collectively evaluated for impairment |  | $ | 8,794,000 |  |  | $ | 1,295,000 |  |  | $ | 43,000 |  |  | $ | 10,132,000 |
Total loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Ending balance |  | $ | 1,007,763,000 |  |  | $ | 67,724,000 |  |  |  |  |  |  | $ | 1,075,487,000 |
Ending balance: individually evaluated for impairment |  | $ | 46,426,000 |  |  | $ | 3,851,000 |  |  |  |  |  |  | $ | 50,277,000 |
Ending balance: collectively evaluated for impairment |  | $ | 961,337,000 |  |  | $ | 63,873,000 |  |  |  |  |  |  | $ | 1,025,210,000 |
Activity in the allowance for loan losses and the recorded investments in loans as of and during the three and nine months ended September 30, 2012 are as follows:
|  | Commercial Loans |  |  | Retail Loans |  |  | Unallocated |  |  | Total |
Allowance for loan losses: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Balance at June 30, 2012 |  | $ | 26,471,000 |  |  | $ | 3,167,000 |  |  | $ | 51,000 |  |  | $ | 29,689,000 |
Provision for loan losses |  |  | (355,000 | ) |  |  | (35,000 | ) |  |  | (10,000 | ) |  |  | (400,000 | )
Charge-offs |  |  | (1,548,000 | ) |  |  | (343,000 | ) |  |  | 0 |  |  |  | (1,891,000 | )
Recoveries |  |  | 326,000 |  |  |  | 38,000 |  |  |  | 0 |  |  |  | 364,000 |
Ending balance |  | $ | 24,894,000 |  |  | $ | 2,827,000 |  |  | $ | 41,000 |  |  | $ | 27,762,000 |
Allowance for loan losses: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Balance at December 31, 2011 |  | $ | 33,431,000 |  |  | $ | 3,019,000 |  |  | $ | 82,000 |  |  | $ | 36,532,000 |
Provision for loan losses |  |  | (3,480,000 | ) |  |  | 121,000 |  |  |  | (41,000 | ) |  |  | (3,400,000 | )
Charge-offs |  |  | (10,662,000 | ) |  |  | (513,000 | ) |  |  | 0 |  |  |  | (11,175,000 | )
Recoveries |  |  | 5,605,000 |  |  |  | 200,000 |  |  |  | 0 |  |  |  | 5,805,000 |
Ending balance |  | $ | 24,894,000 |  |  | $ | 2,827,000 |  |  | $ | 41,000 |  |  | $ | 27,762,000 |
Ending balance: individually evaluated for impairment |  | $ | 15,498,000 |  |  | $ | 305,000 |  |  | $ | 0 |  |  | $ | 15,803,000 |
Ending balance: collectively evaluated for impairment |  | $ | 9,396,000 |  |  | $ | 2,522,000 |  |  | $ | 41,000 |  |  | $ | 11,959,000 |
Total loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Ending balance |  | $ | 957,411,000 |  |  | $ | 77,877,000 |  |  |  |  |  |  | $ | 1,035,288,000 |
Ending balance: individually evaluated for impairment |  | $ | 61,378,000 |  |  | $ | 1,836,000 |  |  |  |  |  |  | $ | 63,214,000 |
Ending balance: collectively evaluated for impairment |  | $ | 896,033,000 |  |  | $ | 76,041,000 |  |  |  |  |  |  | $ | 972,074,000 |
Loans Modified as Troubled Debt Restructurings | Loans modified as troubled debt restructurings during the three months ended September 30, 2013 were as follows:
|  | Number of Contracts |  |  | Pre- Modification Recorded Principal Balance |  |  | Post- Modification Recorded Principal Balance |
Commercial: |  |  |  |  |  |  |  |  |  |  |  |
Commercial and industrial |  |  | 1 |  |  | $ | 553,000 |  |  | $ | 553,000 |
Vacant land, land development and residential construction |  |  | 0 |  |  |  | 0 |  |  |  | 0 |
Real estate – owner occupied |  |  | 0 |  |  |  | 0 |  |  |  | 0 |
Real estate – non-owner occupied |  |  | 2 |  |  |  | 171,000 |  |  |  | 171,000 |
Real estate – multi-family and residential rental |  |  | 2 |  |  |  | 346,000 |  |  |  | 346,000 |
Total commercial |  |  | 5 |  |  |  | 1,070,000 |  |  |  | 1,070,000 |
Retail: |  |  |  |  |  |  |  |  |  |  |  |
Home equity and other |  |  | 0 |  |  |  | 0 |  |  |  | 0 |
1-4 family mortgages |  |  | 0 |  |  |  | 0 |  |  |  | 0 |
Total retail |  |  | 0 |  |  |  | 0 |  |  |  | 0 |
Total |  |  | 5 |  |  | $ | 1,070,000 |  |  | $ | 1,070,000 |
Loans modified as troubled debt restructurings during the nine months ended September 30, 2013 were as follows:
|  | Number of Contracts |  |  | Pre- Modification Recorded Principal Balance |  |  | Post- Modification Recorded Principal Balance |
Commercial: |  |  |  |  |  |  |  |  |  |  |  |
Commercial and industrial |  |  | 2 |  |  | $ | 613,000 |  |  | $ | 613,000 |
Vacant land, land development and residential construction |  |  | 2 |  |  |  | 3,247,000 |  |  |  | 3,247,000 |
Real estate – owner occupied |  |  | 3 |  |  |  | 909,000 |  |  |  | 909,000 |
Real estate – non-owner occupied |  |  | 4 |  |  |  | 2,239,000 |  |  |  | 2,239,000 |
Real estate – multi-family and residential rental |  |  | 2 |  |  |  | 346,000 |  |  |  | 346,000 |
Total commercial |  |  | 13 |  |  |  | 7,354,000 |  |  |  | 7,354,000 |
Retail: |  |  |  |  |  |  |  |  |  |  |  |
Home equity and other |  |  | 0 |  |  |  | 0 |  |  |  | 0 |
1-4 family mortgages |  |  | 1 |  |  |  | 1,879,000 |  |  |  | 1,879,000 |
Total retail |  |  | 1 |  |  |  | 1,879,000 |  |  |  | 1,879,000 |
Total |  |  | 14 |  |  | $ | 9,233,000 |  |  | $ | 9,233,000 |
Loans modified as troubled debt restructurings during the three months ended September 30, 2012 were as follows:
|  | Number of Contracts |  |  | Pre- Modification Recorded Principal Balance |  |  | Post- Modification Recorded Principal Balance |
Commercial: |  |  |  |  |  |  |  |  |  |  |  |
Commercial and industrial |  |  | 1 |  |  | $ | 133,000 |  |  | $ | 128,000 |
Vacant land, land development and residential construction |  |  | 0 |  |  |  | 0 |  |  |  | 0 |
Real estate – owner occupied |  |  | 0 |  |  |  | 0 |  |  |  | 0 |
Real estate – non-owner occupied |  |  | 5 |  |  |  | 18,042,000 |  |  |  | 18,042,000 |
Real estate – multi-family and residential rental |  |  | 0 |  |  |  | 0 |  |  |  | 0 |
Total commercial |  |  | 6 |  |  |  | 18,175,000 |  |  |  | 18,170,000 |
Retail: |  |  |  |  |  |  |  |  |  |  |  |
Home equity and other |  |  | 0 |  |  |  | 0 |  |  |  | 0 |
1-4 family mortgages |  |  | 0 |  |  |  | 0 |  |  |  | 0 |
Total retail |  |  | 0 |  |  |  | 0 |  |  |  | 0 |
Total |  |  | 6 |  |  | $ | 18,175,000 |  |  | $ | 18,170,000 |
Loans modified as troubled debt restructurings during the nine months ended September 30, 2012 were as follows:
|  | Number of Contracts |  |  | Pre- Modification Recorded Principal Balance |  |  | Post- Modification Recorded Principal Balance |
Commercial: |  |  |  |  |  |  |  |  |  |  |  |
Commercial and industrial |  |  | 6 |  |  | $ | 850,000 |  |  | $ | 843,000 |
Vacant land, land development and residential construction |  |  | 0 |  |  |  | 0 |  |  |  | 0 |
Real estate – owner occupied |  |  | 5 |  |  |  | 1,588,000 |  |  |  | 1,587,000 |
Real estate – non-owner occupied |  |  | 6 |  |  |  | 22,433,000 |  |  |  | 22,433,000 |
Real estate – multi-family and residential rental |  |  | 0 |  |  |  | 0 |  |  |  | 0 |
Total commercial |  |  | 17 |  |  |  | 24,871,000 |  |  |  | 24,863,000 |
Retail: |  |  |  |  |  |  |  |  |  |  |  |
Home equity and other |  |  | 0 |  |  |  | 0 |  |  |  | 0 |
1-4 family mortgages |  |  | 0 |  |  |  | 0 |  |  |  | 0 |
Total retail |  |  | 0 |  |  |  | 0 |  |  |  | 0 |
Total |  |  | 17 |  |  | $ | 24,871,000 |  |  | $ | 24,863,000 |
Loans, Modified as Troubled Debt Restructurings within Previous Twelve Months, that Became Over 30 Days Past Due | The following loans, modified as troubled debt restructurings within the previous twelve months, became over 30 days past due within the three months ended September 30, 2013 (amounts as of period end):
|  | 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 |
The following loans, modified as troubled debt restructurings within the previous twelve months, became over 30 days past due within the nine months ended September 30, 2013 (amounts as of period end):
|  | 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 |
The following loans, modified as troubled debt restructurings within the previous twelve months, became over 30 days past due within the three months ended September 30, 2012 (amounts as of period end):
|  | 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 |
The following loans, modified as troubled debt restructurings within the previous twelve months, became over 30 days past due within the nine months ended September 30, 2012 (amounts as of period end):
|  | 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 |
Activity for Loans Categorized as Troubled Debt Restructurings | Activity for loans categorized as troubled debt restructurings during the three months ended September 30, 2013 is as follows:
|  | 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 |
Commercial Loan Portfolio: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Beginning Balance |  | $ | 2,266,000 |  |  | $ | 5,440,000 |  |  | $ | 3,580,000 |  |  | $ | 34,424,000 |  |  | $ | 2,775,000 |
Charge-Offs |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |
Payments |  |  | (324,000 | ) |  |  | (303,000 | ) |  |  | (271,000 | ) |  |  | (1,690,000 | ) |  |  | (295,000 | )
Transfers to ORE |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | (350,000 | ) |  |  | 0 |
Net Additions/Deletions |  |  | 466,000 |  |  |  | 0 |  |  |  | (652,000 | ) |  |  | 68,000 |  |  |  | 343,000 |
Ending Balance |  | $ | 2,408,000 |  |  | $ | 5,137,000 |  |  | $ | 2,657,000 |  |  | $ | 32,452,000 |  |  | $ | 2,823,000 |
|  | Retail Home Equity and Other |  |  | Retail 1-4 Family Mortgages |
Retail Loan Portfolio: |  |  |  |  |  |  |  |
Beginning Balance |  | $ | 2,029,000 |  |  | $ | 0 |
Charge-Offs |  |  | 0 |  |  |  | 0 |
Payments |  |  | (16,000 | ) |  |  | 0 |
Transfers to ORE |  |  | 0 |  |  |  | 0 |
Net Additions/Deletions |  |  | 0 |  |  |  | 0 |
Ending Balance |  | $ | 2,013,000 |  |  | $ | 0 |
Activity for loans categorized as troubled debt restructurings during the nine months ended September 30, 2013 is as follows:
|  | 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 |
Commercial Loan Portfolio: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Beginning Balance |  | $ | 2,721,000 |  |  | $ | 3,071,000 |  |  | $ | 4,116,000 |  |  | $ | 37,672,000 |  |  | $ | 3,026,000 |
Charge-Offs |  |  | (35,000 | ) |  |  | (725,000 | ) |  |  | (70,000 | ) |  |  | (716,000 | ) |  |  | (15,000 | )
Payments |  |  | (1,902,000 | ) |  |  | (456,000 | ) |  |  | (1,310,000 | ) |  |  | (5,475,000 | ) |  |  | (530,000 | )
Transfers to ORE |  |  | (74,000 | ) |  |  | 0 |  |  |  | (363,000 | ) |  |  | (1,153,000 | ) |  |  | 0 |
Net Additions/Deletions |  |  | 1,698,000 |  |  |  | 3,247,000 |  |  |  | 284,000 |  |  |  | 2,124,000 |  |  |  | 342,000 |
Ending Balance |  | $ | 2,408,000 |  |  | $ | 5,137,000 |  |  | $ | 2,657,000 |  |  | $ | 32,452,000 |  |  | $ | 2,823,000 |
|  | Retail Home Equity and Other |  |  | Retail 1-4 Family Mortgages |
Retail Loan Portfolio: |  |  |  |  |  |  |  |
Beginning Balance |  | $ | 155,000 |  |  | $ | 0 |
Charge-Offs |  |  | 0 |  |  |  | 0 |
Payments |  |  | (21,000 | ) |  |  | 0 |
Transfers to ORE |  |  | 0 |  |  |  | 0 |
Net Additions/Deletions |  |  | 1,879,000 |  |  |  | 0 |
Ending Balance |  | $ | 2,013,000 |  |  | $ | 0 |
Activity for loans categorized as troubled debt restructurings during the three months ended September 30, 2012 is as follows:
|  | 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 |
Commercial Loan Portfolio: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Beginning Balance |  | $ | 4,665,000 |  |  | $ | 3,250,000 |  |  | $ | 6,809,000 |  |  | $ | 16,881,000 |  |  | $ | 4,985,000 |
Charge-Offs |  |  | (60,000 | ) |  |  | 0 |  |  |  | (12,000 | ) |  |  | (474,000 | ) |  |  | 0 |
Payments |  |  | (268,000 | ) |  |  | (55,000 | ) |  |  | (2,750,000 | ) |  |  | (178,000 | ) |  |  | (263,000 | )
Transfers to ORE |  |  | (45,000 | ) |  |  | 0 |  |  |  | 0 |  |  |  | (579,000 | ) |  |  | 0 |
Net Additions/Deletions |  |  | 123,000 |  |  |  | 0 |  |  |  | 105,000 |  |  |  | 18,043,000 |  |  |  | 0 |
Ending Balance |  | $ | 4,415,000 |  |  | $ | 3,195,000 |  |  | $ | 4,152,000 |  |  | $ | 33,693,000 |  |  | $ | 4,722,000 |
|  | Retail Home Equity and Other |  |  | Retail 1-4 Family Mortgages |
Retail Loan Portfolio: |  |  |  |  |  |  |  |
Beginning Balance |  | $ | 159,000 |  |  | $ | 0 |
Charge-Offs |  |  | 0 |  |  |  | 0 |
Payments |  |  | (2,000 | ) |  |  | 0 |
Transfers to ORE |  |  | 0 |  |  |  | 0 |
Net Additions/Deletions |  |  | 0 |  |  |  | 0 |
Ending Balance |  | $ | 157,000 |  |  | $ | 0 |
Activity for loans categorized as troubled debt restructurings during the nine months ended September 30, 2012 is as follows:
|  | 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 |
Commercial Loan Portfolio: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Beginning Balance |  | $ | 4,553,000 |  |  | $ | 5,100,000 |  |  | $ | 6,183,000 |  |  | $ | 12,037,000 |  |  | $ | 12,626,000 |
Charge-Offs |  |  | (172,000 | ) |  |  | 0 |  |  |  | (426,000 | ) |  |  | (499,000 | ) |  |  | (2,180,000 | )
Payments |  |  | (763,000 | ) |  |  | (1,952,000 | ) |  |  | (3,317,000 | ) |  |  | (689,000 | ) |  |  | (5,914,000 | )
Transfers to ORE |  |  | (96,000 | ) |  |  | (351,000 | ) |  |  | 0 |  |  |  | (579,000 | ) |  |  | 0 |
Net Additions/Deletions |  |  | 893,000 |  |  |  | 398,000 |  |  |  | 1,712,000 |  |  |  | 23,423,000 |  |  |  | 190,000 |
Ending Balance |  | $ | 4,415,000 |  |  | $ | 3,195,000 |  |  | $ | 4,152,000 |  |  | $ | 33,693,000 |  |  | $ | 4,722,000 |
|  | Retail Home Equity and Other |  |  | Retail 1-4 Family Mortgages |
Retail Loan Portfolio: |  |  |  |  |  |  |  |
Beginning Balance |  | $ | 164,000 |  |  | $ | 0 |
Charge-Offs |  |  | 0 |  |  |  | 0 |
Payments |  |  | (7,000 | ) |  |  | 0 |
Transfers to ORE |  |  | 0 |  |  |  | 0 |
Net Additions/Deletions |  |  | 0 |  |  |  | 0 |
Ending Balance |  | $ | 157,000 |  |  | $ | 0 |
Allowance Related to Loans Categorized as Troubled Debt Restructurings | The allowance related to loans categorized as troubled debt restructurings was as follows:
|  | September 30, 2013 |  |  | December 31, 2012 |
Commercial: |  |  |  |  |  |  |  |
Commercial and industrial |  | $ | 619,000 |  |  | $ | 772,000 |
Vacant land, land development, and residential construction |  |  | 1,208,000 |  |  |  | 713,000 |
Real estate – owner occupied |  |  | 893,000 |  |  |  | 1,116,000 |
Real estate – non-owner occupied |  |  | 9,639,000 |  |  |  | 9,751,000 |
Real estate – multi-family and residential rental |  |  | 885,000 |  |  |  | 745,000 |
Total commercial |  |  | 13,244,000 |  |  |  | 13,097,000 |
Retail: |  |  |  |  |  |  |  |
Home equity and other |  |  | 0 |  |  |  | 0 |
1-4 family mortgages |  |  | 920,000 |  |  |  | 0 |
Total retail |  |  | 920,000 |  |  |  | 0 |
Total related allowance |  | $ | 14,164,000 |  |  | $ | 13,097,000 |

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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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