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Allowance for Loan Losses (Tables) | 9 Months Ended
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Sep. 30, 2015
Text Block [Abstract] |
Changes in the Allowance for Loan Losses and Loan Balances Outstanding | The following tables present, by portfolio segment, the changes in the allowance for loan losses for the three and nine months ended September 30, 2015 and 2014.
|  | Commercial & Agriculture |  |  | Commercial Real Estate - Owner Occupied |  |  | Commercial Real Estate - Non-Owner Occupied |  |  | Residential Real Estate |  |  | Real Estate Construction |  |  | Consumer and Other |  |  | Unallocated |  |  | Total |
For the nine months ended September 30, 2015 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Allowance for loan losses: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Beginning balance |  | $ | 1,822 |  |  | $ | 2,580 |  |  | $ | 4,798 |  |  | $ | 3,747 |  |  | $ | 428 |  |  | $ | 196 |  |  | $ | 697 |  |  | $ | 14,268 |
Charge-offs |  |  | (187 | ) |  |  | (363 | ) |  |  | (81 | ) |  |  | (779 | ) |  |  | — |  |  |  | (114 | ) |  |  | — |  |  |  | (1,524 | )
Recoveries |  |  | 157 |  |  |  | 223 |  |  |  | 105 |  |  |  | 289 |  |  |  | 4 |  |  |  | 38 |  |  |  | — |  |  |  | 816 |
Provision |  |  | (405 | ) |  |  | 506 |  |  |  | 512 |  |  |  | 964 |  |  |  | (4 | ) |  |  | 245 |  |  |  | (618 | ) |  |  | 1,200 |
Ending Balance |  | $ | 1,387 |  |  | $ | 2,946 |  |  | $ | 5,334 |  |  | $ | 4,221 |  |  | $ | 428 |  |  | $ | 365 |  |  | $ | 79 |  |  | $ | 14,760 |
|  | Commercial & Agriculture |  |  | Commercial Real Estate - Owner Occupied |  |  | Commercial Real Estate - Non-Owner Occupied |  |  | Residential Real Estate |  |  | Real Estate Construction |  |  | Consumer and Other |  |  | Unallocated |  |  | Total |
For the nine months ended September 30, 2014 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Allowance for loan losses: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Beginning balance |  | $ | 2,841 |  |  | $ | 3,263 |  |  | $ | 4,296 |  |  | $ | 5,224 |  |  | $ | 184 |  |  | $ | 214 |  |  | $ | 506 |  |  | $ | 16,528 |
Charge-offs |  |  | (326 | ) |  |  | (1,615 | ) |  |  | (105 | ) |  |  | (1,329 | ) |  |  | — |  |  |  | (65 | ) |  |  | — |  |  |  | (3,440 | )
Recoveries |  |  | 238 |  |  |  | 316 |  |  |  | 34 |  |  |  | 216 |  |  |  | 5 |  |  |  | 48 |  |  |  | — |  |  |  | 857 |
Provision |  |  | (1,148 | ) |  |  | 902 |  |  |  | 753 |  |  |  | 201 |  |  |  | 176 |  |  |  | 18 |  |  |  | 598 |  |  |  | 1,500 |
Ending Balance |  | $ | 1,605 |  |  | $ | 2,866 |  |  | $ | 4,978 |  |  | $ | 4,312 |  |  | $ | 365 |  |  | $ | 215 |  |  | $ | 1,104 |  |  | $ | 15,445 |
|  | Commercial & Agriculture |  |  | Commercial Real Estate - Owner Occupied |  |  | Commercial Real Estate - Non-Owner Occupied |  |  | Residential Real Estate |  |  | Real Estate Construction |  |  | Consumer and Other |  |  | Unallocated |  |  | Total |
For the three months ended September 30, 2015 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Allowance for loan losses: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Beginning balance |  | $ | 1,395 |  |  | $ | 3,383 |  |  | $ | 5,427 |  |  | $ | 3,470 |  |  | $ | 434 |  |  | $ | 190 |  |  | $ | 408 |  |  | $ | 14,707 |
Charge-offs |  |  | (187 | ) |  |  | (164 | ) |  |  | (18 | ) |  |  | (237 | ) |  |  | — |  |  |  | (28 | ) |  |  | — |  |  |  | (634 | )
Recoveries |  |  | 127 |  |  |  | 13 |  |  |  | 14 |  |  |  | 124 |  |  |  | 1 |  |  |  | 8 |  |  |  | — |  |  |  | 287 |
Provision |  |  | 52 |  |  |  | (286 | ) |  |  | (89 | ) |  |  | 864 |  |  |  | (7 | ) |  |  | 195 |  |  |  | (329 | ) |  |  | 400 |
Ending Balance |  | $ | 1,387 |  |  | $ | 2,946 |  |  | $ | 5,334 |  |  | $ | 4,221 |  |  | $ | 428 |  |  | $ | 365 |  |  | $ | 79 |  |  | $ | 14,760 |
|  | Commercial & Agriculture |  |  | Commercial Real Estate - Owner Occupied |  |  | Commercial Real Estate - Non-Owner Occupied |  |  | Residential Real Estate |  |  | Real Estate Construction |  |  | Consumer and Other |  |  | Unallocated |  |  | Total |
For the three months ended September 30, 2014 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Allowance for loan losses: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Beginning balance |  | $ | 2,067 |  |  | $ | 3,135 |  |  | $ | 4,853 |  |  | $ | 4,439 |  |  | $ | 287 |  |  | $ | 196 |  |  | $ | 418 |  |  | $ | 15,395 |
Charge-offs |  |  | (13 | ) |  |  | (146 | ) |  |  | — |  |  |  | (275 | ) |  |  | — |  |  |  | (22 | ) |  |  | — |  |  |  | (456 | )
Recoveries |  |  | 143 |  |  |  | 241 |  |  |  | 10 |  |  |  | 95 |  |  |  | 2 |  |  |  | 15 |  |  |  | — |  |  |  | 506 |
Provision |  |  | (592 | ) |  |  | (364 | ) |  |  | 115 |  |  |  | 53 |  |  |  | 76 |  |  |  | 26 |  |  |  | 686 |  |  |  | — |
Ending Balance |  | $ | 1,605 |  |  | $ | 2,866 |  |  | $ | 4,978 |  |  | $ | 4,312 |  |  | $ | 365 |  |  | $ | 215 |  |  | $ | 1,104 |  |  | $ | 15,445 |
The following tables present, by portfolio segment, the allocation of the allowance for loan losses and related loan balances as of September 30, 2015 and December 31, 2014.
|  | Commercial & Agriculture |  |  | Commercial Real Estate - Owner Occupied |  |  | Commercial Real Estate - Non-Owner Occupied |  |  | Residential Real Estate |  |  | Real Estate Construction |  |  | Consumer and Other |  |  | Unallocated |  |  | Total |
September 30, 2015 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Allowance for loan losses: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Loans acquired with credit deterioration |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | 131 |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | 131 |
Ending balance: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Individually evaluated for impairment |  | $ | 16 |  |  | $ | 4 |  |  | $ | — |  |  | $ | 164 |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | 184 |
Ending balance: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Collectively evaluated for impairment |  | $ | 1,371 |  |  | $ | 2,942 |  |  | $ | 5,334 |  |  | $ | 3,926 |  |  | $ | 428 |  |  | $ | 365 |  |  | $ | 79 |  |  | $ | 14,445 |
Ending balance |  | $ | 1,387 |  |  | $ | 2,946 |  |  | $ | 5,334 |  |  | $ | 4,221 |  |  | $ | 428 |  |  | $ | 365 |  |  | $ | 79 |  |  | $ | 14,760 |
Loan balances outstanding: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Loans acquired with credit deterioration |  | $ | 16 |  |  | $ | 30 |  |  | $ | — |  |  | $ | 381 |  |  | $ | — |  |  | $ | — |  |  |  |  |  |  | $ | 427 |
Ending balance: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Individually evaluated for impairment |  | $ | 894 |  |  | $ | 2,626 |  |  | $ | 1,828 |  |  | $ | 1,746 |  |  | $ | — |  |  | $ | 4 |  |  |  |  |  |  | $ | 7,098 |
Ending balance: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Collectively evaluated for impairment |  | $ | 128,209 |  |  | $ | 157,801 |  |  | $ | 338,874 |  |  | $ | 282,772 |  |  | $ | 67,461 |  |  | $ | 17,633 |  |  |  |  |  |  | $ | 992,750 |
Ending balance |  | $ | 129,119 |  |  | $ | 160,457 |  |  | $ | 340,702 |  |  | $ | 284,899 |  |  | $ | 67,461 |  |  | $ | 17,637 |  |  |  |  |  |  | $ | 1,000,275 |
|  | Commercial & Agriculture |  |  | Commercial Real Estate - Owner Occupied |  |  | Commercial Real Estate - Non-Owner Occupied |  |  | Residential Real Estate |  |  | Real Estate Construction |  |  | Consumer and Other |  |  | Unallocated |  |  | Total |
December 31, 2014 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Allowance for loan losses: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Ending balance: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Individually evaluated for impairment |  | $ | 641 |  |  | $ | 57 |  |  | $ | 20 |  |  | $ | 305 |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | 1,023 |
Ending balance: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Collectively evaluated for impairment |  | $ | 1,181 |  |  | $ | 2,523 |  |  | $ | 4,778 |  |  | $ | 3,442 |  |  | $ | 428 |  |  | $ | 196 |  |  | $ | 697 |  |  | $ | 13,245 |
Ending balance |  | $ | 1,822 |  |  | $ | 2,580 |  |  | $ | 4,798 |  |  | $ | 3,747 |  |  | $ | 428 |  |  | $ | 196 |  |  | $ | 697 |  |  | $ | 14,268 |
Loan balances outstanding: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Ending balance: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Individually evaluated for impairment |  | $ | 2,304 |  |  | $ | 3,557 |  |  | $ | 2,175 |  |  | $ | 3,108 |  |  | $ | — |  |  | $ | 5 |  |  |  |  |  |  | $ | 11,149 |
Ending balance: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Collectively evaluated for impairment |  | $ | 111,882 |  |  | $ | 139,457 |  |  | $ | 306,491 |  |  | $ | 265,402 |  |  | $ | 65,452 |  |  | $ | 15,024 |  |  |  |  |  |  | $ | 903,708 |
Ending balance |  | $ | 114,186 |  |  | $ | 143,014 |  |  | $ | 308,666 |  |  | $ | 268,510 |  |  | $ | 65,452 |  |  | $ | 15,029 |  |  |  |  |  |  | $ | 914,857 |
Credit Exposures by Internally Assigned Grades |
|  | Commercial & Agriculture |  |  | Commercial Real Estate - Owner Occupied |  |  | Commercial Real Estate - Non-Owner Occupied |  |  | Residential Real Estate |  |  | Real Estate Construction |  |  | Consumer and Other |  |  | Total |
September 30, 2015 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass |  | $ | 124,065 |  |  | $ | 147,049 |  |  | $ | 326,014 |  |  | $ | 111,857 |  |  | $ | 58,947 |  |  | $ | 8,201 |  |  | $ | 776,133 |
Special Mention |  |  | 862 |  |  |  | 5,180 |  |  |  | 10,998 |  |  |  | 1,783 |  |  |  | 18 |  |  |  | — |  |  |  | 18,841 |
Substandard |  |  | 4,192 |  |  |  | 8,228 |  |  |  | 3,690 |  |  |  | 8,208 |  |  |  | 30 |  |  |  | 32 |  |  |  | 24,380 |
Doubtful |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Ending Balance |  | $ | 129,119 |  |  | $ | 160,457 |  |  | $ | 340,702 |  |  | $ | 121,848 |  |  | $ | 58,995 |  |  | $ | 8,233 |  |  | $ | 819,354 |
|  | Commercial & Agriculture |  |  | Commercial Real Estate - Owner Occupied |  |  | Commercial Real Estate - Non-Owner Occupied |  |  | Residential Real Estate |  |  | Real Estate Construction |  |  | Consumer and Other |  |  | Total |
December 31, 2014 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass |  | $ | 107,903 |  |  | $ | 128,222 |  |  | $ | 298,237 |  |  | $ | 100,810 |  |  | $ | 59,584 |  |  | $ | 5,651 |  |  | $ | 700,407 |
Special Mention |  |  | 3,446 |  |  |  | 5,492 |  |  |  | 6,305 |  |  |  | 697 |  |  |  | 19 |  |  |  | — |  |  |  | 15,959 |
Substandard |  |  | 2,837 |  |  |  | 9,300 |  |  |  | 4,124 |  |  |  | 8,834 |  |  |  | 41 |  |  |  | 46 |  |  |  | 25,182 |
Doubtful |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Ending Balance |  | $ | 114,186 |  |  | $ | 143,014 |  |  | $ | 308,666 |  |  | $ | 110,341 |  |  | $ | 59,644 |  |  | $ | 5,697 |  |  | $ | 741,548 |
Performing and Nonperforming Loans | Certain TDRs are classified as nonperforming at the time of restructure and may only be returned to performing status after considering the borrower’s sustained repayment performance for a reasonable period, generally six months.
|  | Residential Real Estate |  |  | Real Estate Construction |  |  | Consumer and Other |  |  | Total |
September 30, 2015 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Performing |  | $ | 163,051 |  |  | $ | 8,466 |  |  | $ | 9,404 |  |  | $ | 180,921 |
Nonperforming |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Total |  | $ | 163,051 |  |  | $ | 8,466 |  |  | $ | 9,404 |  |  | $ | 180,921 |
|  | Residential Real Estate |  |  | Real Estate Construction |  |  | Consumer and Other |  |  | Total |
December 31, 2014 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Performing |  | $ | 158,169 |  |  | $ | 5,808 |  |  | $ | 9,332 |  |  | $ | 173,309 |
Nonperforming |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Total |  | $ | 158,169 |  |  | $ | 5,808 |  |  | $ | 9,332 |  |  | $ | 173,309 |
Aging Analysis of Past Due Loans | The following tables include an aging analysis of the recorded investment of past due loans outstanding as of September 30, 2015 and December 31, 2014.
September 30, 2015 |  | 30-59 Days Past Due |  |  | 60-89 Days Past Due |  |  | 90 Days or Greater |  |  | Total Past Due |  |  | Current |  |  | Total Loans |  |  | Past Due 90 Days and Accruing |
Commercial & Agriculture |  | $ | 34 |  |  | $ | 941 |  |  | $ | 286 |  |  | $ | 1,261 |  |  | $ | 127,858 |  |  | $ | 129,119 |  |  | $ | — |
Commercial Real Estate—Owner Occupied |  |  | 161 |  |  |  | 37 |  |  |  | 393 |  |  |  | 591 |  |  |  | 159,866 |  |  |  | 160,457 |  |  |  | — |
Commercial Real Estate—Non-Owner Occupied |  |  | 4 |  |  |  | — |  |  |  | 1,496 |  |  |  | 1,500 |  |  |  | 339,202 |  |  |  | 340,702 |  |  |  | — |
Residential Real Estate |  |  | 912 |  |  |  | 1,788 |  |  |  | 1,971 |  |  |  | 4,671 |  |  |  | 280,228 |  |  |  | 284,899 |  |  |  | — |
Real Estate Construction |  |  | 199 |  |  |  | — |  |  |  | — |  |  |  | 199 |  |  |  | 67,262 |  |  |  | 67,461 |  |  |  | — |
Consumer and Other |  |  | 490 |  |  |  | 18 |  |  |  | 24 |  |  |  | 532 |  |  |  | 17,105 |  |  |  | 17,637 |  |  |  | 24 |
Total |  | $ | 1,800 |  |  | $ | 2,784 |  |  | $ | 4,170 |  |  | $ | 8,754 |  |  | $ | 991,521 |  |  | $ | 1,000,275 |  |  | $ | 24 |
December 31, 2014 |  | 30-59 Days Past Due |  |  | 60-89 Days Past Due |  |  | 90 Days or Greater |  |  | Total Past Due |  |  | Current |  |  | Total Loans |  |  | Past Due 90 Days and Accruing |
Commercial & Agriculture |  | $ | 58 |  |  | $ | — |  |  | $ | 187 |  |  | $ | 245 |  |  | $ | 113,941 |  |  | $ | 114,186 |  |  | $ | — |
Commercial Real Estate—Owner Occupied |  |  | 622 |  |  |  | 251 |  |  |  | 657 |  |  |  | 1,530 |  |  |  | 141,484 |  |  |  | 143,014 |  |  |  | — |
Commercial Real Estate—Non-Owner Occupied |  |  | 521 |  |  |  | 5 |  |  |  | 2,103 |  |  |  | 2,629 |  |  |  | 306,037 |  |  |  | 308,666 |  |  |  | — |
Residential Real Estate |  |  | 1,923 |  |  |  | 721 |  |  |  | 2,347 |  |  |  | 4,991 |  |  |  | 263,519 |  |  |  | 268,510 |  |  |  | — |
Real Estate Construction |  |  | 33 |  |  |  | — |  |  |  | 8 |  |  |  | 41 |  |  |  | 65,411 |  |  |  | 65,452 |  |  |  | — |
Consumer and Other |  |  | 131 |  |  |  | 8 |  |  |  | 19 |  |  |  | 158 |  |  |  | 14,871 |  |  |  | 15,029 |  |  |  | — |
Total |  | $ | 3,288 |  |  | $ | 985 |  |  | $ | 5,321 |  |  | $ | 9,594 |  |  | $ | 905,263 |  |  | $ | 914,857 |  |  | $ | — |
Summary of Nonaccrual Loans | The following table presents loans on nonaccrual status as of September 30, 2015 and December 31, 2014.
|  | 2015 |  |  | 2014 |
Commercial & Agriculture |  | $ | 2,146 |  |  | $ | 1,264 |
Commercial Real Estate—Owner Occupied |  |  | 1,219 |  |  |  | 3,403 |
Commercial Real Estate—Non-Owner Occupied |  |  | 1,519 |  |  |  | 2,134 |
Residential Real Estate |  |  | 5,602 |  |  |  | 6,674 |
Real Estate Construction |  |  | 30 |  |  |  | 41 |
Consumer and Other |  |  | 29 |  |  |  | 42 |
Total |  | $ | 10,545 |  |  | $ | 13,558 |
Schedule of Troubled Debt Restructurings | Loan modifications that are considered TDRs completed during the nine-month periods ended September 30, 2015 and September 30, 2014 were as follows:
|  | For the Nine-Month Period Ended September 30, 2015 |  |  | For the Nine-Month Period Ended September 30, 2014 |
|  | Number of Contracts |  |  | Pre-Modification Outstanding Recorded Investment |  |  | Post- Modification Outstanding Recorded Investment |  |  | Number of Contracts |  |  | Pre-Modification Outstanding Recorded Investment |  |  | Post- Modification Outstanding Recorded Investment |
Commercial & Agriculture |  |  | — |  |  | $ | — |  |  | $ | — |  |  |  | — |  |  | $ | — |  |  | $ | — |
Commercial Real Estate—Owner Occupied |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Commercial Real Estate—Non-Owner Occupied |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Residential Real Estate |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 5 |  |  |  | 245 |  |  |  | 245 |
Real Estate Construction |  |  | 1 |  |  |  | 41 |  |  |  | 41 |  |  |  | — |  |  |  | — |  |  |  | — |
Consumer and Other |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Total Loan Modifications |  |  | 1 |  |  | $ | 41 |  |  | $ | 41 |  |  |  | 5 |  |  | $ | 245 |  |  | $ | 245 |
Loan modifications that are considered TDRs completed during the quarter ended September 30, 2015 and September 30, 2014 were as follows:
|  | For the Three-Month Period Ended September 30, 2015 |  |  | For the Three-Month Period Ended September 30, 2014 |
|  | Number of Contracts |  |  | Pre- Modification Outstanding Recorded Investment |  |  | Post- Modification Outstanding Recorded Investment |  |  | Number of Contracts |  |  | Pre-Modification Outstanding Recorded Investment |  |  | Post- Modification Outstanding Recorded Investment |
Commercial & Agriculture |  |  | — |  |  | $ | — |  |  | $ | — |  |  |  | — |  |  | $ | — |  |  | $ | — |
Commercial Real Estate |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Residential Real Estate |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 3 |  |  |  | 97 |  |  |  | 97 |
Real Estate Construction |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Consumer and Other |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Total Loan Modifications |  |  | — |  |  | $ | — |  |  | $ | — |  |  |  | 3 |  |  | $ | 97 |  |  | $ | 97 |
Impaired Financing Receivables | The following tables include the recorded investment and unpaid principal balances for impaired financing receivables with the associated allowance amount, if applicable, as of September 30, 2015 and December 31, 2014.
|  | September 30, 2015 |  |  | December 31, 2014 |
|  | Recorded Investment |  |  | Unpaid Principal Balance |  |  | Related Allowance |  |  | Recorded Investment |  |  | Unpaid Principal Balance |  |  | Related Allowance |
With no related allowance recorded: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial & Agriculture |  | $ | 871 |  |  | $ | 1,036 |  |  |  |  |  |  | $ | 1,377 |  |  | $ | 1,504 |  |  |  |  |
Commercial Real Estate - Owner Occupied |  |  | 2,368 |  |  |  | 2,583 |  |  |  |  |  |  |  | 2,961 |  |  |  | 3,327 |  |  |  |  |
Commercial Real Estate - Non-Owner Occupied |  |  | 1,828 |  |  |  | 2,094 |  |  |  |  |  |  |  | 92 |  |  |  | 140 |  |  |  |  |
Residential Real Estate |  |  | 960 |  |  |  | 1,505 |  |  |  |  |  |  |  | 1,893 |  |  |  | 3,487 |  |  |  |  |
Consumer and Other |  |  | 4 |  |  |  | 4 |  |  |  |  |  |  |  | 5 |  |  |  | 5 |  |  |  |  |
Total |  |  | 6,031 |  |  |  | 7,222 |  |  |  |  |  |  |  | 6,328 |  |  |  | 8,463 |  |  |  |  |
With an allowance recorded: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial & Agriculture |  |  | 23 |  |  |  | 23 |  |  | $ | 16 |  |  |  | 927 |  |  |  | 1,056 |  |  | $ | 641 |
Commercial Real Estate - Owner Occupied |  |  | 258 |  |  |  | 258 |  |  |  | 4 |  |  |  | 596 |  |  |  | 643 |  |  |  | 57 |
Commercial Real Estate - Non-Owner Occupied |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 2,083 |  |  |  | 2,287 |  |  |  | 20 |
Residential Real Estate |  |  | 1,145 |  |  |  | 1,162 |  |  |  | 295 |  |  |  | 1,215 |  |  |  | 1,223 |  |  |  | 305 |
Real Estate Construction |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Total |  |  | 1,426 |  |  |  | 1,443 |  |  |  | 315 |  |  |  | 4,821 |  |  |  | 5,209 |  |  |  | 1,023 |
Total: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial & Agriculture |  |  | 894 |  |  |  | 1,059 |  |  |  | 16 |  |  |  | 2,304 |  |  |  | 2,560 |  |  |  | 641 |
Commercial Real Estate - Owner Occupied |  |  | 2,626 |  |  |  | 2,841 |  |  |  | 4 |  |  |  | 3,557 |  |  |  | 3,970 |  |  |  | 57 |
Commercial Real Estate - Non-Owner Occupied |  |  | 1,828 |  |  |  | 2,094 |  |  |  | — |  |  |  | 2,175 |  |  |  | 2,427 |  |  |  | 20 |
Residential Real Estate |  |  | 2,105 |  |  |  | 2,667 |  |  |  | 295 |  |  |  | 3,108 |  |  |  | 4,710 |  |  |  | 305 |
Real Estate Construction |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Consumer and Other |  |  | 4 |  |  |  | 4 |  |  |  | — |  |  |  | 5 |  |  |  | 5 |  |  |  | — |
Total |  | $ | 7,457 |  |  | $ | 8,665 |  |  | $ | 315 |  |  | $ | 11,149 |  |  | $ | 13,672 |  |  | $ | 1,023 |
The following tables include the average recorded investment and interest income recognized for impaired financing receivables for the three and nine-month periods ended September 30, 2015 and 2014.
For the nine months ended: |  | September 30, 2015 |  |  | September 30, 2014 |
|  | Average Recorded Investment |  |  | Interest Income Recognized |  |  | Average Recorded Investment |  |  | Interest Income Recognized |
Commercial & Agriculture |  | $ | 1,680 |  |  | $ | 54 |  |  | $ | 3,570 |  |  | $ | 104 |
Commercial Real Estate - Owner Occupied |  |  | 3,507 |  |  |  | 168 |  |  |  | 6,313 |  |  |  | 208 |
Commercial Real Estate - Non-Owner Occupied |  |  | 1,997 |  |  |  | 31 |  |  |  | 2,913 |  |  |  | 31 |
Residential Real Estate |  |  | 2,640 |  |  |  | 128 |  |  |  | 3,559 |  |  |  | 220 |
Real Estate Construction |  |  | 20 |  |  |  | — |  |  |  | — |  |  |  | — |
Consumer and Other |  |  | 5 |  |  |  | — |  |  |  | 7 |  |  |  | — |
Total |  | $ | 9,849 |  |  | $ | 381 |  |  | $ | 16,362 |  |  | $ | 563 |
For the three months ended: |  | September 30, 2015 |  |  | September 30, 2014 |
|  | Average Recorded Investment |  |  | Interest Income Recognized |  |  | Average Recorded Investment |  |  | Interest Income Recognized |
Commercial & Agriculture |  | $ | 1,058 |  |  | $ | 9 |  |  | $ | 2,829 |  |  | $ | 25 |
Commercial Real Estate - Owner Occupied |  |  | 3,263 |  |  |  | 39 |  |  |  | 5,115 |  |  |  | 21 |
Commercial Real Estate - Non-Owner Occupied |  |  | 1,870 |  |  |  | 12 |  |  |  | 2,770 |  |  |  | (4 | )
Residential Real Estate |  |  | 2,450 |  |  |  | 49 |  |  |  | 3,336 |  |  |  | 74 |
Real Estate Construction |  |  | 20 |  |  |  | — |  |  |  | — |  |  |  | — |
Consumer and Other |  |  | 4 |  |  |  | — |  |  |  | 6 |  |  |  | — |
Total |  | $ | 8,665 |  |  | $ | 109 |  |  | $ | 14,056 |  |  | $ | 116 |

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