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Credit Quality and Nonperforming Assets (Tables) | 6 Months Ended
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Jun. 30, 2012
Credit Quality Classifications for Loan Balances | Credit quality classifications for the Company’s loan balances were as follows, as of the dates indicated:
Credit Quality Classifications
(dollars in thousands, unaudited)
|  | June 30, 2012 |
|  | Pass |  |  | Special Mention |  |  | Substandard |  |  | Impaired |  |  | Total |
Real Estate: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
1-4 Family residential construction |  | $ | 3,303 |  |  | $ | 3,523 |  |  | $ | - |  |  | $ | 1,974 |  |  | $ | 8,800 |
Other construction/Land |  |  | 19,247 |  |  |  | 6,439 |  |  |  | 961 |  |  |  | 11,175 |  |  |  | 37,822 |
1-4 Family - closed end |  |  | 70,650 |  |  |  | 7,412 |  |  |  | 1,279 |  |  |  | 19,612 |  |  |  | 98,953 |
Equity Lines |  |  | 58,387 |  |  |  | 437 |  |  |  | 2,440 |  |  |  | 770 |  |  |  | 62,034 |
Multi-family residential |  |  | 4,825 |  |  |  | 614 |  |  |  | - |  |  |  | 1,780 |  |  |  | 7,219 |
Commercial real estate - owner occupied |  |  | 142,068 |  |  |  | 20,718 |  |  |  | 9,137 |  |  |  | 9,298 |  |  |  | 181,221 |
Commercial real estate - non-owner occupied |  |  | 67,319 |  |  |  | 5,937 |  |  |  | 2,306 |  |  |  | 23,961 |  |  |  | 99,523 |
Farmland |  |  | 53,216 |  |  |  | 176 |  |  |  | 3,575 |  |  |  | 1,953 |  |  |  | 58,920 |
Total Real Estate |  |  | 419,015 |  |  |  | 45,256 |  |  |  | 19,698 |  |  |  | 70,523 |  |  |  | 554,492 |
Agricultural |  |  | 17,486 |  |  |  | 45 |  |  |  | 25 |  |  |  | 1,676 |  |  |  | 19,232 |
Commercial and Industrial |  |  | 175,332 |  |  |  | 5,525 |  |  |  | 2,504 |  |  |  | 2,805 |  |  |  | 186,166 |
Small Business Administration |  |  | 14,683 |  |  |  | 1,957 |  |  |  | 328 |  |  |  | 3,699 |  |  |  | 20,667 |
Direct finance leases |  |  | 4,847 |  |  |  | 75 |  |  |  | - |  |  |  | 322 |  |  |  | 5,244 |
Consumer loans |  |  | 26,661 |  |  |  | 747 |  |  |  | 213 |  |  |  | 4,178 |  |  |  | 31,799 |
Total Gross Loans and Leases |  | $ | 658,024 |  |  | $ | 53,605 |  |  | $ | 22,768 |  |  | $ | 83,203 |  |  | $ | 817,600 |
|  | December 31, 2011 |
|  | Pass |  |  | Special Mention |  |  | Substandard |  |  | Impaired |  |  | Total |
Real Estate: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
1-4 Family residential construction |  | $ | 4,240 |  |  | $ | 2,004 |  |  | $ | - |  |  | $ | 2,244 |  |  | $ | 8,488 |
Other construction/Land |  |  | 18,185 |  |  |  | 8,873 |  |  |  | 1,015 |  |  |  | 11,987 |  |  |  | 40,060 |
1-4 Family - closed end |  |  | 75,765 |  |  |  | 7,574 |  |  |  | 1,354 |  |  |  | 20,260 |  |  |  | 104,953 |
Equity Lines |  |  | 62,867 |  |  |  | 456 |  |  |  | 1,795 |  |  |  | 1,379 |  |  |  | 66,497 |
Multi-family residential |  |  | 4,620 |  |  |  | 618 |  |  |  | - |  |  |  | 2,941 |  |  |  | 8,179 |
Commercial real estate - owner occupied |  |  | 141,245 |  |  |  | 23,289 |  |  |  | 8,878 |  |  |  | 9,658 |  |  |  | 183,070 |
Commercial real estate - non-owner occupied |  |  | 64,746 |  |  |  | 7,463 |  |  |  | 4,514 |  |  |  | 29,120 |  |  |  | 105,843 |
Farmland |  |  | 47,719 |  |  |  | 1,878 |  |  |  | 3,626 |  |  |  | 6,919 |  |  |  | 60,142 |
Total Real Estate |  |  | 419,387 |  |  |  | 52,155 |  |  |  | 21,182 |  |  |  | 84,508 |  |  |  | 577,232 |
Agricultural |  |  | 15,477 |  |  |  | 1,574 |  |  |  | 27 |  |  |  | - |  |  |  | 17,078 |
Commercial and Industrial |  |  | 83,780 |  |  |  | 7,529 |  |  |  | 3,078 |  |  |  | 5,021 |  |  |  | 99,408 |
Small Business Administration |  |  | 16,251 |  |  |  | - |  |  |  | 852 |  |  |  | 3,903 |  |  |  | 21,006 |
Direct finance leases |  |  | 6,089 |  |  |  | 63 |  |  |  | - |  |  |  | 591 |  |  |  | 6,743 |
Consumer loans |  |  | 30,004 |  |  |  | 1,006 |  |  |  | 808 |  |  |  | 4,306 |  |  |  | 36,124 |
Total Gross Loans and Leases |  | $ | 570,988 |  |  | $ | 62,327 |  |  | $ | 25,947 |  |  | $ | 98,329 |  |  | $ | 757,591 |
Aging of Loan Balances by Number of Days Past Due | An aging of the Company’s loan balances, by number of days past due as of the indicated dates, is presented in the following tables:
Loan Portfolio Aging
(dollars in thousands, unaudited)
|  | June 30, 2012 |
|  | 30-59 Days Past Due |  |  | 60-89 Days Past Due |  |  | 90 Days Or More Past Due |  |  | Total Past Due |  |  | Current |  |  | Total Financing Receivables |  |  | Non-Accrual Loans(1) |
Real Estate: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
1-4 Family residential construction |  | $ | - |  |  | $ | - |  |  | $ | 352 |  |  | $ | 352 |  |  | $ | 8,448 |  |  | $ | 8,800 |  |  | $ | 1,974 |
Other construction/Land |  |  | 1,101 |  |  |  | 345 |  |  |  | 3,474 |  |  |  | 4,920 |  |  |  | 32,902 |  |  |  | 37,822 |  |  |  | 4,055 |
1-4 Family - closed end |  |  | 1,446 |  |  |  | 138 |  |  |  | 1,626 |  |  |  | 3,210 |  |  |  | 95,743 |  |  |  | 98,953 |  |  |  | 5,985 |
Equity Lines |  |  | 673 |  |  |  | 144 |  |  |  | 66 |  |  |  | 883 |  |  |  | 61,151 |  |  |  | 62,034 |  |  |  | 488 |
Multi-family residential |  |  | - |  |  |  | - |  |  |  | 1,780 |  |  |  | 1,780 |  |  |  | 5,439 |  |  |  | 7,219 |  |  |  | 1,780 |
Commercial real estate - owner occupied |  |  | 653 |  |  |  | 547 |  |  |  | 4,807 |  |  |  | 6,007 |  |  |  | 175,214 |  |  |  | 181,221 |  |  |  | 5,537 |
Commercial real estate - non-owner occupied |  |  | 877 |  |  |  | - |  |  |  | 6,375 |  |  |  | 7,252 |  |  |  | 92,271 |  |  |  | 99,523 |  |  |  | 10,262 |
Farmland |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | 58,920 |  |  |  | 58,920 |  |  |  | 269 |
Total Real Estate |  |  | 4,750 |  |  |  | 1,174 |  |  |  | 18,480 |  |  |  | 24,404 |  |  |  | 530,088 |  |  |  | 554,492 |  |  |  | 30,350 |
Agricultural |  |  | 75 |  |  |  | - |  |  |  | 99 |  |  |  | 174 |  |  |  | 19,058 |  |  |  | 19,232 |  |  |  | 99 |
Commercial and Industrial |  |  | 279 |  |  |  | 1,111 |  |  |  | 938 |  |  |  | 2,328 |  |  |  | 183,838 |  |  |  | 186,166 |  |  |  | 1,848 |
Small Business Administration |  |  | 1,203 |  |  |  | 582 |  |  |  | 2,054 |  |  |  | 3,839 |  |  |  | 16,828 |  |  |  | 20,667 |  |  |  | 2,793 |
Direct finance leases |  |  | 75 |  |  |  | - |  |  |  | 322 |  |  |  | 397 |  |  |  | 4,847 |  |  |  | 5,244 |  |  |  | 322 |
Consumer loans |  |  | 383 |  |  |  | 93 |  |  |  | 156 |  |  |  | 632 |  |  |  | 31,167 |  |  |  | 31,799 |  |  |  | 1,303 |
Total Gross Loans and Leases |  | $ | 6,765 |  |  | $ | 2,960 |  |  | $ | 22,049 |  |  | $ | 31,774 |  |  | $ | 785,826 |  |  | $ | 817,600 |  |  | $ | 36,715 |
(1) Included in Total Financing Receivables
|  | December 31, 2011 |
|  | 30-59 Days Past Due |  |  | 60-89 Days Past Due |  |  | 90 Days Or More Past Due(2) |  |  | Total Past Due |  |  | Current |  |  | Total Financing Receivables |  |  | Non-Accrual Loans(1) |
Real Estate: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
1-4 Family residential construction |  | $ | - |  |  | $ | - |  |  | $ | - |  |  | $ | - |  |  | $ | 8,488 |  |  | $ | 8,488 |  |  | $ | 2,244 |
Other construction/Land |  |  | 1,354 |  |  |  | - |  |  |  | 1,417 |  |  |  | 2,771 |  |  |  | 37,289 |  |  |  | 40,060 |  |  |  | 4,083 |
1-4 Family - closed end |  |  | 1,777 |  |  |  | 1,835 |  |  |  | 1,661 |  |  |  | 5,273 |  |  |  | 99,680 |  |  |  | 104,953 |  |  |  | 7,605 |
Equity Lines |  |  | 253 |  |  |  | 511 |  |  |  | 640 |  |  |  | 1,404 |  |  |  | 65,093 |  |  |  | 66,497 |  |  |  | 1,309 |
Multi-family residential |  |  | - |  |  |  | - |  |  |  | 2,941 |  |  |  | 2,941 |  |  |  | 5,238 |  |  |  | 8,179 |  |  |  | 2,941 |
Commercial real estate - owner occupied |  |  | 3,070 |  |  |  | 1,038 |  |  |  | 5,581 |  |  |  | 9,689 |  |  |  | 173,381 |  |  |  | 183,070 |  |  |  | 7,086 |
Commercial real estate - non-owner occupied |  |  | 1,031 |  |  |  | 577 |  |  |  | 7,128 |  |  |  | 8,736 |  |  |  | 97,107 |  |  |  | 105,843 |  |  |  | 13,958 |
Farmland |  |  | 6,436 |  |  |  | - |  |  |  | 188 |  |  |  | 6,624 |  |  |  | 53,518 |  |  |  | 60,142 |  |  |  | 6,919 |
Total Real Estate |  |  | 13,921 |  |  |  | 3,961 |  |  |  | 19,556 |  |  |  | 37,438 |  |  |  | 539,794 |  |  |  | 577,232 |  |  |  | 46,145 |
Agricultural |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | 17,078 |  |  |  | 17,078 |  |  |  | - |
Commercial and Industrial |  |  | 701 |  |  |  | 386 |  |  |  | 3,160 |  |  |  | 4,247 |  |  |  | 95,161 |  |  |  | 99,408 |  |  |  | 3,778 |
Small Business Administration |  |  | 828 |  |  |  | 917 |  |  |  | 2,715 |  |  |  | 4,460 |  |  |  | 16,546 |  |  |  | 21,006 |  |  |  | 3,452 |
Direct finance leases |  |  | 63 |  |  |  | - |  |  |  | 591 |  |  |  | 654 |  |  |  | 6,089 |  |  |  | 6,743 |  |  |  | 591 |
Consumer loans |  |  | 520 |  |  |  | 619 |  |  |  | 838 |  |  |  | 1,977 |  |  |  | 34,147 |  |  |  | 36,124 |  |  |  | 2,144 |
Total Gross Loans and Leases |  | $ | 16,033 |  |  | $ | 5,883 |  |  | $ | 26,860 |  |  | $ | 48,776 |  |  | $ | 708,815 |  |  | $ | 757,591 |  |  | $ | 56,110 |
(1) Included in Total Financing Receivables
(2) Includes Small Business Administration loans over 90 days past due and still accruing in the amount of $48,000.
Troubled Debt Restructurings, by Type of Loan Modification | The table below summarizes TDR’s which were modified during the noted period, by type of concession:
Troubled Debt Restructurings, by Type of Loan Modification
(dollars in thousands, unaudited)
|  | For the Six Months-Ended June 30, 2012 |
|  | Rate Modification |  |  | Term Modification |  |  | Interest Only Modification |  |  | Rate & Term Modification |  |  | Rate & Interest Only Modification |  |  | Term & Interest Only Modification |  |  | Rate, Term & Interest Only Modification |  |  | Total |
Trouble Debt Restructurings |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Real Estate: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Other construction/Land |  | $ | - |  |  | $ | 59 |  |  | $ | - |  |  | $ | 53 |  |  | $ | - |  |  | $ | - |  |  | $ | - |  |  | $ | 112 |
1-4 family - closed-end |  |  | - |  |  |  | 109 |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | 222 |  |  |  | - |  |  |  | 331 |
Equity Lines |  |  | - |  |  |  | 29 |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | 29 |
Commercial RE - owner occupied |  |  | - |  |  |  | 2,305 |  |  |  | - |  |  |  | 295 |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | 2,600 |
Commercial RE - non owner occupied |  |  | - |  |  |  | 329 |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | 329 |
Total Real Estate Loans |  |  | - |  |  |  | 2,831 |  |  |  | - |  |  |  | 348 |  |  |  | - |  |  |  | 222 |  |  |  | - |  |  |  | 3,401 |
Agricultural Products |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |
Commercial and Industrial |  |  | - |  |  |  | 173 |  |  |  | - |  |  |  | 228 |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | 401 |
Consumer loans |  |  | - |  |  |  | 662 |  |  |  | - |  |  |  | 149 |  |  |  | - |  |  |  | - |  |  |  | 47 |  |  |  | 858 |
Small Business Administration Loans |  |  | - |  |  |  | - |  |  |  | - |  |  |  | 475 |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | 475 |
|  | $ | - |  |  | $ | 3,666 |  |  | $ | - |  |  | $ | 1,200 |  |  | $ | - |  |  | $ | 222 |  |  | $ | 47 |  |  | $ | 5,135 |
|  | For the Year-Ended December 31, 2011 |
|  | Rate Modification |  |  | Term Modification |  |  | Interest Only Modification |  |  | Rate & Term Modification |  |  | Rate & Interest Only Modification |  |  | Term & Interest Only Modification |  |  | Rate, Term & Interest Only Modification |  |  | Total |
Trouble Debt Restructurings |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Real Estate: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Other construction/Land |  | $ | - |  |  | $ | 555 |  |  | $ | - |  |  | $ | 754 |  |  | $ | - |  |  | $ | 6,188 |  |  | $ | - |  |  | $ | 7,497 |
1-4 family - closed-end |  |  | - |  |  |  | 6,419 |  |  |  | - |  |  |  | 151 |  |  |  | 561 |  |  |  | 48 |  |  |  | 421 |  |  |  | 7,600 |
Equity Lines |  |  | - |  |  |  | 71 |  |  |  | 426 |  |  |  | - |  |  |  | 78 |  |  |  | - |  |  |  | - |  |  |  | 575 |
Commercial RE - owner occupied |  |  | - |  |  |  | 1,893 |  |  |  | 1,231 |  |  |  | 297 |  |  |  | 542 |  |  |  | - |  |  |  | - |  |  |  | 3,963 |
Commercial RE - non owner occupied |  |  | 7,400 |  |  |  | - |  |  |  | - |  |  |  | 1,069 |  |  |  | 6,420 |  |  |  | - |  |  |  | - |  |  |  | 14,889 |
Total Real Estate Loans |  |  | 7,400 |  |  |  | 8,938 |  |  |  | 1,657 |  |  |  | 2,271 |  |  |  | 7,601 |  |  |  | 6,236 |  |  |  | 421 |  |  |  | 34,524 |
Agricultural Products |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | 12 |  |  |  | 12 |
Commercial and Industrial |  |  | 19 |  |  |  | 342 |  |  |  | 23 |  |  |  | 1,188 |  |  |  | - |  |  |  | 384 |  |  |  | - |  |  |  | 1,956 |
Consumer loans |  |  | 278 |  |  |  | 495 |  |  |  | - |  |  |  | 2,069 |  |  |  | 282 |  |  |  | - |  |  |  | 85 |  |  |  | 3,209 |
Small Business Administration Loans |  |  | - |  |  |  | 621 |  |  |  | 106 |  |  |  | 46 |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | 773 |
|  | $ | 7,697 |  |  | $ | 10,396 |  |  | $ | 1,786 |  |  | $ | 5,574 |  |  | $ | 7,883 |  |  | $ | 6,620 |  |  | $ | 518 |  |  | $ | 40,474 |
Additional Details Related to Loans Classified as TDR's | The following tables present, by class, additional details related to loans classified as TDR’s during the three and six months ended June 30, 2012, including the recorded investment in the loan both before and after modification and balances that were modified during the period:
Troubled Debt Restructurings
(dollars in thousands, unaudited)
|  | For the Three Months-Ended June 30, 2012 |
|  |  |  |  | Pre-Modification |  |  | Post-Modification |  |  |  |  |  |  |
|  | Number of Loans |  |  | Outstanding Recorded Investment |  |  | Outstanding Recorded Investment |  |  | Reserve Difference(1) |  |  | Reserve |
Real Estate: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Other Construction/Land |  |  | 1 |  |  | $ | 59 |  |  | $ | 59 |  |  | $ | 10 |  |  | $ | 12 |
1-4 family - closed-end |  |  | 1 |  |  |  | 233 |  |  |  | 222 |  |  |  | 20 |  |  |  | 39 |
Equity Lines |  |  | 1 |  |  |  | 29 |  |  |  | 29 |  |  |  | 13 |  |  |  | 29 |
Commercial RE- owner occupied |  |  | 1 |  |  |  | 227 |  |  |  | 227 |  |  |  | 5 |  |  |  | 5 |
Commercial RE- non-owner occupied |  |  | 0 |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |
Total Real Estate Loans |  |  |  |  |  |  | 548 |  |  |  | 537 |  |  |  | 48 |  |  |  | 85 |
Agricultural products |  |  | 0 |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |
Commercial and Industrial |  |  | 5 |  |  |  | 376 |  |  |  | 375 |  |  |  | (16 | ) |  |  | 45 |
Consumer loans |  |  | 9 |  |  |  | 633 |  |  |  | 631 |  |  |  | (193 | ) |  |  | 129 |
Small Business Administration Loans |  |  | 0 |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |
|  |  |  |  |  | $ | 1,557 |  |  | $ | 1,543 |  |  | $ | (161 | ) |  | $ | 259 |
(1) This represents the change in the ALL reserve for these credits measured as the difference between the specific post-modification impairment reserve and the pre-modification reserve calculated under our general allowance for loan loss methodology.
|  | For the Six Months-Ended June 30, 2012 |
|  |  |  |  | Pre-Modification |  |  | Post-Modification |  |  |  |  |  |  |
|  | Number of Loans |  |  | Outstanding Recorded Investment |  |  | Outstanding Recorded Investment |  |  | Reserve Difference(1) |  |  | Reserve |
Real Estate: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Other Construction/Land |  |  | 2 |  |  | $ | 112 |  |  | $ | 112 |  |  | $ | 11 |  |  | $ | 12 |
1-4 family - closed-end |  |  | 3 |  |  |  | 344 |  |  |  | 331 |  |  |  | 27 |  |  |  | 47 |
Equity Lines |  |  | 1 |  |  |  | 29 |  |  |  | 29 |  |  |  | 13 |  |  |  | 29 |
Commercial RE- owner occupied |  |  | 3 |  |  |  | 2,600 |  |  |  | 2,600 |  |  |  | (71 | ) |  |  | 97 |
Commercial RE- non-owner occupied |  |  | 2 |  |  |  | 330 |  |  |  | 329 |  |  |  | (45 | ) |  |  | 6 |
Total Real Estate Loans |  |  |  |  |  |  | 3,415 |  |  |  | 3,401 |  |  |  | (65 | ) |  |  | 191 |
Agricultural products |  |  | 0 |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |
Commercial and Industrial |  |  | 7 |  |  |  | 407 |  |  |  | 401 |  |  |  | (28 | ) |  |  | 49 |
Consumer loans |  |  | 13 |  |  |  | 861 |  |  |  | 858 |  |  |  | (207 | ) |  |  | 141 |
Small Business Administration Loans |  |  | 1 |  |  |  | 468 |  |  |  | 475 |  |  |  | 2 |  |  |  | 119 |
|  |  |  |  |  | $ | 5,151 |  |  | $ | 5,135 |  |  | $ | (298 | ) |  | $ | 500 |
(1) This represents the change in the ALLL reserve for these credits measured as the difference between the specific post-modification impairment reserve and the pre-modification reserve calculated under our general allowance for loan loss methodology.
Troubled Debt Restructurings Defaulted During Period | The table below summarizes TDR’s that defaulted during the period noted, and any charge-offs on those TDR’s resulting from such default.
Troubled Debt Restructurings(1)
(dollars in thousands, unaudited)
|  | Subsequent default three months-ended June 30, 2012 |
|  | Number of Loans |  |  | Recorded Investment |  |  | Charge-Offs |
Real Estate: |  |  |  |  |  |  |  |  |  |  |  |
Other Construction/Land |  |  | 1 |  |  | $ | 69 |  |  | $ | - |
1-4 family - closed-end |  |  | 0 |  |  |  | - |  |  |  | - |
Equity Lines |  |  | 0 |  |  |  | - |  |  |  | - |
Commercial RE- owner occupied |  |  | 0 |  |  |  | - |  |  |  | - |
Commercial RE- non owner occupied |  |  | 0 |  |  |  | - |  |  |  | - |
Total Real Estate Loans |  |  |  |  |  |  | 69 |  |  |  | - |
Agricultural products |  |  | 0 |  |  |  | - |  |  |  | - |
Commercial and Industrial |  |  | 1 |  |  |  | 108 |  |  |  | 108 |
Consumer loans |  |  | 0 |  |  |  | - |  |  |  | - |
Small Business Administration Loans |  |  | 1 |  |  |  | 106 |  |  |  | - |
|  |  |  |  |  | $ | 283 |  |  | $ | 108 |
|  | Subsequent default six months-ended June 30, 2012 |
|  | Number of Loans |  |  | Recorded Investment |  |  | Charge-Offs |
Real Estate: |  |  |  |  |  |  |  |  |  |  |  |
Other Construction/Land |  |  | 1 |  |  | $ | 69 |  |  | $ | - |
1-4 family - closed-end |  |  | 1 |  |  |  | 95 |  |  |  | 95 |
Equity Lines |  |  | 0 |  |  |  | - |  |  |  | - |
Commercial RE- owner occupied |  |  | 0 |  |  |  | - |  |  |  | - |
Commercial RE- non owner occupied |  |  | 0 |  |  |  | - |  |  |  | - |
Total Real Estate Loans |  |  |  |  |  |  | 164 |  |  |  | 95 |
Agricultural products |  |  | 0 |  |  |  | - |  |  |  | - |
Commercial and Industrial |  |  | 1 |  |  |  | 108 |  |  |  | 108 |
Consumer Loans |  |  | 1 |  |  |  | 192 |  |  |  | 192 |
Small Business Administration Loans |  |  | 1 |  |  |  | 106 |  |  |  | - |
|  |  |  |  |  | $ | 570 |  |  | $ | 395 |
(1) Troubled Debt Restructurings within the previous 12 months for which there was a payment default in the periods noted.

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- Definition Tabular disclosure of financing receivables by credit quality indicator. The credit quality indicator is a statistic about the credit quality of financing receivables. Examples include, but not limited to, consumer credit risk scores, credit-rating-agency ratings, an entity's internal credit risk grades, loan-to-value ratios, collateral, collection experience and other internal metrics. + References Reference 1: http://www.xbrl.org/2003/role/presentationRef -Publisher FASB -Name Accounting Standards Codification -Topic 310 -SubTopic 10 -Section 50 -Paragraph 29 -URI http://asc.fasb.org/extlink&oid=7512638&loc=SL6953659-111524 Reference 2: http://www.xbrl.org/2003/role/presentationRef -Publisher FASB -Name Accounting Standards Codification -Topic 310 -SubTopic 10 -Section 55 -Paragraph 19 -URI http://asc.fasb.org/extlink&oid=7880640&loc=SL6953803-111525 + Details
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- Definition Tabular disclosure of financing receivables that are past due but not impaired, financing receivables that are 90 days past due and still accruing, and financing receivables on nonaccrual status. + References Reference 1: http://www.xbrl.org/2003/role/presentationRef -Publisher FASB -Name Accounting Standards Codification -Topic 310 -SubTopic 10 -Section 50 -Paragraph 7 -URI http://asc.fasb.org/extlink&oid=7512638&loc=d3e5111-111524 Reference 2: http://www.xbrl.org/2003/role/presentationRef -Publisher FASB -Name Accounting Standards Codification -Topic 310 -SubTopic 10 -Section 50 -Paragraph 7A -URI http://asc.fasb.org/extlink&oid=7512638&loc=SL6953401-111524 + Details
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