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ALLOWANCE FOR LOAN LOSSES: | 12 Months Ended
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Dec. 31, 2011
ALLOWANCE FOR LOAN LOSSES: |
ALLOWANCE FOR LOAN LOSSES: |
7. ALLOWANCE FOR LOAN LOSSES: The following table presents the activity of the allowance for loan losses by portfolio segment for the year ended December 31, 2011.
Allowance for Loan Losses: |  |  |  |  |  | December 31, |  |  |  |  |
(Dollar amounts in thousands) |  | Commercial |  | Residential |  | Consumer |  | Unallocated |  | Total |
Beginning balance |  | $ | 12,809 |  | $ | 2,873 |  | $ | 4,551 |  | $ | 2,103 |  | $ | 22,336 |
Provision for loan losses* |  | 3,708 |  | 2,571 |  | 1,199 |  | (1,598 | ) | 5,880 |
Loans charged -off |  | (5,336 | ) | (2,811 | ) | (2,969 | ) | — |  | (11,116 | )
Recoveries |  | 938 |  | 95 |  | 1,108 |  | — |  | 2,141 |
Ending Balance |  | $ | 12,119 |  | $ | 2,728 |  | $ | 3,889 |  | $ | 505 |  | $ | 19,241 |
* Provision before decrease of $125 thousand in 2011 for increase in FDIC indemnification asset Changes in the allowance for loan losses are summarized as follows:
|  | December 31, |
(Dollar amounts in thousands) |  | 2010 |  | 2009 |
Balance at beginning of year |  | $ | 19,437 |  | $ | 16,280 |
Provision for loan losses * |  | 10,862 |  | 11,870 |
Recoveries of loans previously charged off |  | 4,511 |  | 2,948 |
Loans charged off |  | (12,474 | ) | (11,661 | )
BALANCE AT END OF YEAR |  | $ | 22,336 |  | $ | 19,437 |
* In 2010 the provision charged to expense was reduced by $1.7 million for the increase to the FDIC Indemnification asset. The following tables present the allocation of the allowance for loan losses and the recorded investment in loans by portfolio segment and based on impairment method at December 31, 2011 and 2010:
Allowance for Loan Losses: |  | December 31, 2011 |
(Dollar amounts in thousands) |  | Commercial |  | Residential |  | Consumer |  | Unallocated |  | Total |
Individually evaluated for impairment |  | $ | 3,071 |  | $ | 190 |  | $ | — |  | $ | — |  | $ | 3,261 |
Collectively evaluated for impairment |  | 8,264 |  | 2,183 |  | 3,889 |  | 505 |  | 14,841 |
Acquired with deteriorated credit quality |  | 784 |  | 355 |  | — |  | — |  | 1,139 |
BALANCE AT END OF YEAR |  | $ | 12,119 |  | $ | 2,728 |  | $ | 3,889 |  | $ | 505 |  | $ | 19,241 |
Loans |  |  |  |  |  |  |  |  |  |  |
(Dollar amounts in thousands) |  | Commercial |  | Residential |  | Consumer |  |  |  | Total |
Individually evaluated for impairment |  | $ | 25,393 |  | $ | 2,213 |  | $ | — |  |  |  | $ | 27,606 |
Collectively evaluated for impairment |  | 1,036,963 |  | 492,139 |  | 291,190 |  |  |  | 1,820,292 |
Acquired with deteriorated credit quality |  | 43,389 |  | 12,986 |  | 11 |  |  |  | 56,386 |
BALANCE AT END OF YEAR |  | $ | 1,105,745 |  | $ | 507,338 |  | $ | 291,201 |  |  |  | $ | 1,904,284 |
Allowance for Loan Losses: |  | December 31, 2010 |
(Dollar amounts in thousands) |  | Commercial |  | Residential |  | Consumer |  | Unallocated |  | Total |
Individually evaluated for impairment |  | $ | 3,893 |  | $ | 625 |  | $ | — |  | $ | — |  | $ | 4,518 |
Collectively evaluated for impairment |  | 7,788 |  | 1,897 |  | 4,551 |  | 2,103 |  | 16,339 |
Acquired with deteriorated credit quality |  | 1,128 |  | 351 |  | — |  | — |  | 1,479 |
BALANCE AT END OF YEAR |  | $ | 12,809 |  | $ | 2,873 |  | $ | 4,551 |  | $ | 2,103 |  | $ | 22,336 |
Loans |  |  |  |  |  |  |  |  |  |  |
(Dollar amounts in thousands) |  | Commercial |  | Residential |  | Consumer |  |  |  | Total |
Individually evaluated for impairment |  | $ | 27,717 |  | $ | 2,770 |  | $ | — |  |  |  | $ | 30,487 |
Collectively evaluated for impairment |  | 863,790 |  | 435,231 |  | 308,903 |  |  |  | 1,607,924 |
Acquired with deteriorated credit quality |  | 9,938 |  | 1,113 |  | 15 |  |  |  | 11,066 |
BALANCE AT END OF YEAR |  | $ | 901,445 |  | $ | 439,114 |  | $ | 308,918 |  |  |  | $ | 1,649,477 |
The following table presents loans individually evaluated for impairment by class of loan.
|  |  |  |  |  | Allowance |  |  |  |  |  | Cash Basis |
|  | Unpaid |  |  |  | for Loan |  | Average |  | Interest |  | Interest |
|  | Principal |  | Recorded |  | Losses |  | Recorded |  | Income |  | Income |
December 31, 2011 |  | Balance |  | Investment |  | Allocated |  | Investment |  | Recognized |  | Recognized |
With no related allowance recorded: |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial & Industrial |  | $ | — |  | $ | — |  | $ | — |  | $ | 1,929 |  | $ | 165 |  | $ | — |
Farmland |  | — |  | — |  | — |  | — |  | — |  | — |
Non Farm, Non Residential |  | 4,444 |  | 4,444 |  | — |  | 3,262 |  | — |  | — |
Agriculture |  | — |  | — |  | — |  | — |  | — |  | — |
All Other Commercial |  | — |  | — |  | — |  | — |  | — |  | — |
Residential |  |  |  |  |  |  |  |  |  |  |  |  |
First Liens |  | 750 |  | 750 |  | — |  | 150 |  | — |  | — |
Home Equity |  | — |  | — |  | — |  | — |  | — |  | — |
Junior Liens |  | — |  | — |  | — |  | — |  | — |  | — |
Multifamily |  | 250 |  | 250 |  | — |  | 50 |  | — |  | — |
All Other Residential |  | — |  | — |  | — |  | — |  | — |  | — |
Consumer |  |  |  |  |  |  |  |  |  |  |  |  |
Motor Vehicle |  | — |  | — |  | — |  | — |  | — |  | — |
All Other Consumer |  | — |  | — |  | — |  | — |  | — |  | — |
With an allowance recorded: |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial & Industrial |  | 17,890 |  | 17,866 |  | 2,664 |  | 16,746 |  | — |  | — |
Farmland |  | 891 |  | 891 |  | 49 |  | 360 |  | — |  | — |
Non Farm, Non Residential |  | 4,816 |  | 4,816 |  | 957 |  | 8,717 |  | — |  | — |
Agriculture |  | — |  | — |  | — |  | — |  | — |  | — |
All Other Commercial |  | 1,517 |  | 1,517 |  | 66 |  | 1,671 |  | — |  | — |
Residential |  |  |  |  |  |  |  |  |  |  |  |  |
First Liens |  | 1,213 |  | 1,213 |  | 190 |  | 2,014 |  | — |  | — |
Home Equity |  | — |  | — |  | — |  | — |  | — |  | — |
Junior Liens |  | 879 |  | 879 |  | 347 |  | 937 |  | — |  | — |
Multifamily |  | — |  | — |  | — |  | 510 |  | — |  | — |
All Other Residential |  | — |  | — |  | — |  | — |  | — |  | — |
Consumer |  |  |  |  |  |  |  |  |  |  |  |  |
Motor Vehicle |  | — |  | — |  | — |  | — |  | — |  | — |
All Other Consumer |  | — |  | — |  | — |  | — |  | — |  | — |
TOTAL |  | $ | 32,650 |  | $ | 32,626 |  | $ | 4,273 |  | $ | 36,346 |  | $ | 165 |  | $ | — |
|  |  |  |  |  | Allowance |
|  | Unpaid |  |  |  | for Loan |
|  | Principal |  | Recorded |  | Losses |
December 31, 2010 |  | Balance |  | Investment |  | Allocated |
With no related allowance recorded: |  |  |  |  |  |  |
Commercial |  |  |  |  |  |  |
Commercial & Industrial |  | $ | 8,935 |  | $ | 8,993 |  | $ | — |
Farmland |  | — |  | — |  | — |
Non Farm, Non Residential |  | 2,955 |  | 2,955 |  | — |
Agriculture |  | — |  | — |  | — |
All Other Commercial |  | — |  | — |  | — |
Residential |  |  |  |  |  |  |
First Liens |  | — |  | — |  | — |
Home Equity |  | — |  | — |  | — |
Junior Liens |  | — |  | — |  | — |
Multifamily |  | — |  | — |  | — |
All Other Residential |  | — |  | — |  | — |
Consumer |  |  |  |  |  |  |
Motor Vehicle |  | — |  | — |  | — |
All Other Consumer |  | — |  | — |  | — |
With an allowance recorded: |  |  |  |  |  |  |
Commercial |  |  |  |  |  |  |
Commercial & Industrial |  | 10,933 |  | 10,996 |  | 1,508 |
Farmland |  | — |  | — |  | — |
Non Farm, Non Residential |  | 9,442 |  | 9,442 |  | 3,255 |
Agriculture |  | — |  | — |  | — |
All Other Commercial |  | 1,577 |  | 1,577 |  | 128 |
Residential |  |  |  |  |  |  |
First Liens |  | 1,910 |  | 1,910 |  | 533 |
Home Equity |  | — |  | — |  | — |
Junior Liens |  | 1,129 |  | 1,129 |  | 443 |
Multifamily |  | 638 |  | 638 |  | — |
All Other Residential |  | — |  | — |  | — |
Consumer |  |  |  |  |  |  |
Motor Vehicle |  | — |  | — |  | — |
All Other Consumer |  | — |  | — |  | — |
TOTAL |  | $ | 37,519 |  | $ | 37,640 |  | $ | 5,867 |
(Dollar amounts in thousands) |  | 2010 |  | 2009 |
Average of impaired loans during the year |  | $ | 27,772 |  | $ | 21,731 |
Interest income recognized during impairment |  | 660 |  | 36 |
Cash-basis interest income recognized |  | 57 |  | 19 |
The following table presents the recorded investment in nonperforming loans by class of loans.
|  | Loans Past |  |  |  |  |  | Loans Past |  |  |  |  |
|  | Due Over |  |  |  |  |  | Due Over |  |  |  |  |
|  | 90 Day Still |  | December 31, 2011 |  | 90 Day Still |  | December 31, 2010 |
(Dollar amounts in thousands) |  | Accruing |  | Restructured |  | Nonaccrual |  | Accruing |  | Restructured |  | Nonaccrual |
Commercial |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial & Industrial |  | $ | 317 |  | $ | 12,590 |  | $ | 9,673 |  | $ | 1,462 |  | $ | 13,671 |  | $ | 11,677 |
Farmland |  | 74 |  | — |  | 979 |  | — |  | — |  | 68 |
Non Farm, Non Residential |  | 237 |  | — |  | 12,542 |  | 506 |  | — |  | 13,808 |
Agriculture |  | — |  | — |  | 225 |  | — |  | — |  | 284 |
All Other Commercial |  | — |  | — |  | 3,171 |  | 158 |  | — |  | 2,011 |
Residential |  |  |  |  |  |  |  |  |  |  |  |  |
First Liens |  | 1,150 |  | 3,856 |  | 7,398 |  | 971 |  | 2,605 |  | 6,141 |
Home Equity |  | 8 |  | — |  | — |  | 45 |  | — |  | — |
Junior Liens |  | 154 |  | 898 |  | 1,240 |  | 66 |  | 928 |  | 1,454 |
Multifamily |  | — |  | — |  | 668 |  | — |  | — |  | 990 |
All Other Residential |  | 136 |  | — |  | 171 |  | — |  | — |  | 150 |
Consumer |  |  |  |  |  |  |  |  |  |  |  |  |
Motor Vehicle |  | 77 |  | — |  | 294 |  | 91 |  | — |  | 259 |
All Other Consumer |  | 4 |  | — |  | 1,741 |  | 4 |  | — |  | 1,675 |
TOTAL |  | $ | 2,157 |  | $ | 17,344 |  | $ | 38,102 |  | $ | 3,303 |  | $ | 17,204 |  | $ | 38,517 |
Covered loans included in loans past due over 90 days still on accrual are $413 thousand at December 31, 2011 and $377 thousand at December 31, 2010. Covered loans included in non-accrual loans are $5.6 million at December 31, 2011 and $8.7 million at December 31, 2010. Covered loans of $5.0 million are deemed impaired at December 31, 2011 and have allowance for loan loss allocated to them of $1.0 million. On December 31, 2010 there were $4.3 million of covered loans deemed impaired that had an allowance for loan loss allocated to them of $1.3 million. Non-performing loans include both smaller balance homogeneous loans that are collectively evaluated for impairment and individually classified impaired loans. During the year ending December 31, 2011, the terms of certain loans were modified as troubled debt restructurings. Four commercial loans totaling $631 thousand and four residential loan totaling $212 thousand were loans modified in 2011, and the modification of the terms of such loans included one or a combination of the following: a reduction of the stated interest rate of the loan; an extension of the maturity date at a stated rate of interest lower than the current market rate for new debt with similar risk; or a permanent reduction of the recorded investment in the loan. No modifications resulted in the permanent reduction of the recorded investment in the loan. The dollar amount of loans modified in trouble debt restructurings that subsequently defaulted and were charged off was insignificant to the allowance for loan losses. Modifications involving a reduction of the stated interest rate of the loan were for periods ranging from twelve months to five years. Modifications involving an extension of the maturity date were for periods ranging from twelve months to 10 years. The Corporation has allocated $1.6 million and $657 thousand of specific reserves to customers whose loan terms have been modified in troubled debt restructurings as of December 31, 2011 and 2010. The Corporation has not committed to lend additional amounts as of December 31, 2011 and 2010 to customers with outstanding loans that are classified as troubled debt restructurings. The following table presents the aging of the recorded investment in loans by past due category and class of loans.
|  |  |  |  |  | Greater |  |  |  |  |  |  |
December 31, 2011 |  | 30-59 Days |  | 60-89 Days |  | than 90 days |  | Total |  |  |  |  |
(Dollar amounts in thousands) |  | Past Due |  | Past Due |  | Past Due |  | Past Due |  | Current |  | Total |
Commercial |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial & Industrial |  | $ | 2,717 |  | $ | 740 |  | $ | 4,452 |  | $ | 7,909 |  | $ | 472,370 |  | $ | 480,279 |
Farmland |  | 5 |  | 57 |  | 1,034 |  | 1,096 |  | 98,159 |  | 99,255 |
Non Farm, Non Residential |  | 2,945 |  | 420 |  | 7,754 |  | 11,119 |  | 310,724 |  | 321,843 |
Agriculture |  | 88 |  | — |  | 97 |  | 185 |  | 114,162 |  | 114,347 |
All Other Commercial |  | 120 |  | — |  | 1,588 |  | 1,708 |  | 88,313 |  | 90,021 |
Residential |  |  |  |  |  |  |  |  |  |  |  |  |
First Liens |  | 11,435 |  | 2,016 |  | 5,316 |  | 18,767 |  | 340,269 |  | 359,036 |
Home Equity |  | 175 |  | 62 |  | 8 |  | 245 |  | 44,939 |  | 45,184 |
Junior Liens |  | 1,333 |  | 183 |  | 190 |  | 1,706 |  | 39,903 |  | 41,609 |
Multifamily |  | — |  | 100 |  | 668 |  | 768 |  | 46,216 |  | 46,984 |
All Other Residential |  | 128 |  | — |  | 136 |  | 264 |  | 14,261 |  | 14,525 |
Consumer |  |  |  |  |  |  |  |  |  |  |  |  |
Motor Vehicle |  | 3,450 |  | 563 |  | 77 |  | 4,090 |  | 260,102 |  | 264,192 |
All Other Consumer |  | 174 |  | 48 |  | 5 |  | 227 |  | 26,782 |  | 27,009 |
TOTAL |  | $ | 22,570 |  | $ | 4,189 |  | $ | 21,325 |  | $ | 48,084 |  | $ | 1,856,200 |  | $ | 1,904,284 |
|  |  |  |  |  | Greater |  |  |  |  |  |  |
December 31, 2010 |  | 30-59 Days |  | 60-89 Days |  | than 90 days |  | Total |  |  |  |  |
(Dollar amounts in thousands) |  | Past Due |  | Past Due |  | Past Due |  | Past Due |  | Current |  | Total |
Commercial |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial & Industrial |  | $ | 2,619 |  | $ | 882 |  | $ | 3,868 |  | $ | 7,369 |  | $ | 405,319 |  | $ | 412,688 |
Farmland |  | 63 |  | 198 |  | — |  | 261 |  | 71,672 |  | 71,933 |
Non Farm, Non Residential |  | 761 |  | 1,763 |  | 4,366 |  | 6,890 |  | 260,685 |  | 267,575 |
Agriculture |  | 55 |  | — |  | 284 |  | 339 |  | 85,275 |  | 85,614 |
All Other Commercial |  | — |  | 135 |  | 283 |  | 418 |  | 63,217 |  | 63,635 |
Residential |  |  |  |  |  |  |  |  |  |  |  |  |
First Liens |  | 5,405 |  | 1,649 |  | 3,793 |  | 10,847 |  | 310,722 |  | 321,569 |
Home Equity |  | 78 |  | 11 |  | 45 |  | 134 |  | 38,638 |  | 38,772 |
Junior Liens |  | 287 |  | 165 |  | 175 |  | 627 |  | 33,394 |  | 34,021 |
Multifamily |  | 706 |  | — |  | 352 |  | 1,058 |  | 32,605 |  | 33,663 |
All Other Residential |  | 144 |  | — |  | — |  | 144 |  | 10,945 |  | 11,089 |
Consumer |  |  |  |  |  |  |  |  |  |  |  |  |
Motor Vehicle |  | 2,994 |  | 378 |  | 91 |  | 3,463 |  | 279,029 |  | 282,492 |
All Other Consumer |  | 138 |  | 23 |  | 6 |  | 167 |  | 26,259 |  | 26,426 |
TOTAL |  | $ | 13,250 |  | $ | 5,204 |  | $ | 13,263 |  | $ | 31,717 |  | $ | 1,617,760 |  | $ | 1,649,477 |
Credit Quality Indicators: The Corporation categorizes loans into risk categories based on relevant information about the ability of borrowers to service their debt such as: current financial information, historical payment experience, credit documentation, public information, and current economic trends, among other factors. The Corporation analyzes loans individually by classifying the loans as to credit risk. This analysis includes non-homogeneous loans, such as commercial loans, with an outstanding balance greater than $50 thousand. Any consumer loans outstanding to a borrower who had commercial loans analyzed will be similarly risk rated. This analysis is performed on a quarterly basis. The Corporation uses the following definitions for risk ratings: Special Mention: Loans classified as special mention have a potential weakness that deserves management’s close attention. If left uncorrected, these potential weaknesses may result in deterioration of the repayment prospects for the loan or of the institution’s credit position at some future date. Substandard: Loans classified as substandard are inadequately protected by the current net worth and debt service capacity of the borrower or of any pledged collateral. These loans have a well-defined weakness or weaknesses which have clearly jeopardized repayment of principal and interest as originally intended. They are characterized by the distinct possibility that the institution will sustain some future loss if the deficiencies are not corrected. Doubtful: Loans classified as doubtful have all the weaknesses inherent in those graded substandard, with the added characteristic that the severity of the weaknesses makes collection or liquidation in full highly questionable or improbable based upon currently existing facts, conditions, and values. Furthermore, non-homogeneous loans which were not individually analyzed, but are 90+ days past due or on non-accrual are classified as substandard. Loans included in homogeneous pools, such as residential or consumer, may be classified as substandard due to 90+ days delinquency, non-accrual status, bankruptcy, or loan restructuring. Loans not meeting the criteria above that are analyzed individually as part of the above described process are considered to be pass rated loans. Loans listed as not rated are either less than $50 thousand or are included in groups of homogeneous loans. As of December 31, 2011, and based on the most recent analysis performed, the risk category of loans by class of loans is as follows:
December 31, 2011 |  |  |  | Special |  |  |  |  |  |  |  |  |
(Dollar amounts in thousands) |  | Pass |  | Mention |  | Substandard |  | Doubtful |  | Not Rated |  | Total |
Commercial |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial & Industrial |  | $ | 386,734 |  | $ | 25,343 |  | $ | 53,026 |  | $ | 7,128 |  | $ | 6,717 |  | $ | 478,948 |
Farmland |  | 89,213 |  | 4,250 |  | 3,015 |  | 69 |  | 619 |  | 97,166 |
Non Farm, Non Residential |  | 254,761 |  | 28,684 |  | 32,704 |  | 4,271 |  | 393 |  | 320,813 |
Agriculture |  | 109,869 |  | 2,100 |  | 623 |  | 79 |  | 122 |  | 112,793 |
All Other Commercial |  | 77,330 |  | 6,097 |  | 5,099 |  | 67 |  | 1,011 |  | 89,604 |
Residential |  |  |  |  |  |  |  |  |  |  |  |  |
First Liens |  | 113,234 |  | 5,175 |  | 19,895 |  | 1,318 |  | 218,118 |  | 357,740 |
Home Equity |  | 13,613 |  | 520 |  | 671 |  | 19 |  | 30,278 |  | 45,101 |
Junior Liens |  | 11,887 |  | 714 |  | 783 |  | 968 |  | 27,105 |  | 41,457 |
Multifamily |  | 35,837 |  | 3,911 |  | 6,224 |  | 606 |  | 258 |  | 46,836 |
All Other Residential |  | 4,658 |  | 445 |  | 53 |  | — |  | 9,310 |  | 14,466 |
Consumer |  |  |  |  |  |  |  |  |  |  |  |  |
Motor Vehicle |  | 12,988 |  | 330 |  | 501 |  | 59 |  | 249,018 |  | 262,896 |
All Other Consumer |  | 6,120 |  | 57 |  | 141 |  | 12 |  | 20,491 |  | 26,821 |
TOTAL |  | $ | 1,116,244 |  | $ | 77,626 |  | $ | 122,735 |  | $ | 14,596 |  | $ | 563,440 |  | $ | 1,894,641 |
December 31, 2010 |  |  |  | Special |  |  |  |  |  |  |  |  |
(Dollar amounts in thousands) |  | Pass |  | Mention |  | Substandard |  | Doubtful |  | Not Rated |  | Total |
Commercial |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial & Industrial |  | $ | 311,258 |  | $ | 26,956 |  | $ | 63,334 |  | $ | 2,910 |  | $ | 6,977 |  | $ | 411,435 |
Farmland |  | 66,920 |  | 1,535 |  | 1,691 |  | 68 |  | 109 |  | 70,323 |
Non Farm, Non Residential |  | 208,847 |  | 29,399 |  | 24,579 |  | 3,364 |  | 544 |  | 266,733 |
Agriculture |  | 82,275 |  | 602 |  | 1,008 |  | 284 |  | 154 |  | 84,323 |
All Other Commercial |  | 52,704 |  | 6,188 |  | 2,799 |  | 468 |  | 1,134 |  | 63,293 |
Residential |  |  |  |  |  |  |  |  |  |  |  |  |
First Liens |  | 93,887 |  | 6,201 |  | 7,495 |  | 2,944 |  | 209,804 |  | 320,331 |
Home Equity |  | 8,641 |  | 4,447 |  | 427 |  | 23 |  | 25,200 |  | 38,738 |
Junior Liens |  | 4,796 |  | 107 |  | 1,733 |  | 167 |  | 27,090 |  | 33,893 |
Multifamily |  | 22,678 |  | 8,516 |  | 1,255 |  | 990 |  | 127 |  | 33,566 |
All Other Residential |  | 1,349 |  | — |  | 26 |  | — |  | 9,673 |  | 11,048 |
Consumer |  |  |  |  |  |  |  |  |  |  |  |  |
Motor Vehicle |  | 12,902 |  | 331 |  | 492 |  | 29 |  | 267,424 |  | 281,178 |
All Other Consumer |  | 3,945 |  | 64 |  | 174 |  | 42 |  | 22,000 |  | 26,225 |
TOTAL |  | $ | 870,202 |  | $ | 84,346 |  | $ | 105,013 |  | $ | 11,289 |  | $ | 570,236 |  | $ | 1,641,086 |

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