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Loans and Allowance for Loan Losses | 12 Months Ended
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Dec. 31, 2017
Loans and Allowance for Loan Losses [Abstract] |
Loans and Allowance for Loan Losses | NOTE 4 – Loans and Allowance for Loan Losses The Company makes loans to individuals and small businesses for various personal and commercial purposes primarily in the Upstate, Midlands, and Lowcountry regions of South Carolina, the Triangle region of North Carolina as well as Atlanta, Georgia. The Company’s loan portfolio is not concentrated in loans to any single borrower or a relatively small number of borrowers. The Company focuses its lending activities primarily on the professional markets in Greenville, Columbia, Charleston, Raleigh and Atlanta including doctors, dentists, and small business owners. The principal component of the loan portfolio is loans secured by real estate mortgages which account for 82.1% of total loans at December 31, 2017. Commercial loans comprise 59.8% of total real estate loans and consumer loans account for 40.2%. Commercial real estate loans are further categorized into owner occupied which represents 22.8% of total loans and non-owner occupied loans represent 22.6%. Commercial construction loans represent only 3.7% of the total loan portfolio. In addition to monitoring potential concentrations of loans to particular borrowers or groups of borrowers, industries and geographic regions, management monitors exposure to credit risk from concentrations of lending products and practices such as loans that subject borrowers to substantial payment increases (e.g. principal deferral periods, loans with initial interest-only periods, etc.), and loans with high loan-to-value ratios. As of December 31, 2017, approximately $97.7 million, or 7.0% of our loans had loan-to-value ratios which exceeded regulatory supervisory limits, of which 76 loans totaling approximately $40.5 million had loan-to-value ratios of 100% or more. Additionally, there are industry practices that could subject the Company to increased credit risk should economic conditions change over the course of a loan’s life. For example, the Company makes variable rate loans and fixed rate principal-amortizing loans with maturities prior to the loan being fully paid (i.e. balloon payment loans). The various types of loans are individually underwritten and monitored to manage the associated risks. The allowance for loan losses is management's estimate of credit losses inherent in the loan portfolio at the balance sheet date. We have an established process to determine the adequacy of the allowance for loan losses that assesses the losses inherent in our portfolio. While we attribute portions of the allowance to specific portfolio segments, the entire allowance is available to absorb credit losses inherent in the total loan portfolio. Our process involves procedures to appropriately consider the unique risk characteristics of our commercial and consumer loan portfolio segments. For each portfolio segment, impairment is measured individually for each impaired loan. Our allowance levels are influenced by loan volume, loan grade or delinquency status, historic loss experience and other economic conditions. Portfolio Segment Methodology Commercial Commercial loans are assessed for estimated losses by grading each loan using various risk factors identified through periodic reviews. The Company applies historic grade-specific loss factors to each loan class. In the development of statistically derived loan grade loss factors, the Company observes historical losses over 20 quarters for each loan grade. These loss estimates are adjusted as appropriate based on additional analysis of external loss data or other risks identified from current economic conditions and credit quality trends. The allowance also includes an amount for the estimated impairment on nonaccrual commercial loans and commercial loans modified in a TDR, whether on accrual or nonaccrual status. Consumer For consumer loans, the Company determines the allowance on a collective basis utilizing historical losses over 20 quarters to represent its best estimate of inherent loss. The Company pools loans, generally by loan class with similar risk characteristics. The allowance also includes an amount for the estimated impairment on nonaccrual consumer loans and consumer loans modified in a TDR, whether on accrual or nonaccrual status. The following table summarizes the composition of our loan portfolio. Total gross loans are recorded net of deferred loan fees and costs, which totaled $2.3 million and $2.0 million as of December 31, 2017 and December 31, 2016, respectively.
|  | December 31,
(dollars in thousands) |  | 2017 |  | 2016
Commercial |  |  |  |  |  |  |  |  |  |  |
Owner occupied RE |  | $ | 316,818 |  |  | 22.8% |  | 285,938 |  |  | 24.6%
Non-owner occupied RE |  |  | 312,798 |  |  | 22.6% |  | 239,574 |  |  | 20.6%
Construction |  |  | 51,179 |  |  | 3.7% |  | 33,393 |  |  | 2.9%
Business |  |  | 226,158 |  |  | 16.3% |  | 202,552 |  |  | 17.4%
Total commercial loans |  |  | 906,953 |  |  | 65.4% |  | 761,457 |  |  | 65.5%
Consumer |  |  |  |  |  |  |  |  |  |  |
Real estate |  |  | 273,050 |  |  | 19.7% |  | 215,588 |  |  | 18.5%
Home equity |  |  | 156,141 |  |  | 11.3% |  | 137,105 |  |  | 11.8%
Construction |  |  | 28,351 |  |  | 2.0% |  | 31,922 |  |  | 2.7%
Other |  |  | 22,575 |  |  | 1.6% |  | 17,572 |  |  | 1.5%
Total consumer loans |  |  | 480,117 |  |  | 34.6% |  | 402,187 |  |  | 34.5%
Total gross loans, net of deferred fees |  |  | 1,387,070 |  |  | 100.0% |  | 1,163,644 |  |  | 100.0%
Less – allowance for loan losses |  |  | (15,523 | ) |  |  |  | (14,855 | ) |  |
Total loans, net |  | $ | 1,371,547 |  |  |  |  | 1,148,789 |  |  |
The composition of gross loans by rate type is as follows:
|  | December 31,
(dollars in thousands) |  |  | 2017 |  | 2016
Variable rate loans |  | $ | 349,493 |  | 290,462
Fixed rate loans |  |  | 1,037,577 |  | 873,182
|  | $ | 1,387,070 |  | 1,163,644
At December 31, 2017, approximately $487.0 million of the Company’s mortgage loans were pledged as collateral for advances from the FHLB, as set forth in Note 9. Credit Quality Indicators Commercial We manage a consistent process for assessing commercial loan credit quality by monitoring our loan grading trends and past due statistics. All loans are subject to individual risk assessment. Our risk categories include Pass, Special Mention, Substandard, and Doubtful, each of which is defined by banking regulatory agencies. Delinquency statistics are also an important indicator of credit quality in the establishment of our allowance for credit losses. We categorize our loans into risk categories based on relevant information about the ability of the borrower to service their debt such as current financial information, historical payment experience, credit documentation, public information, and current economic trends, among other factors. A description of the general characteristics of the risk grades is as follows:
● | Pass—These loans range from minimal credit risk to average however still acceptable credit risk.
● | Special mention—A special mention loan has potential weaknesses that deserve management’s close attention. If left uncorrected, these potential weaknesses may result in deterioration of the repayment prospects for the loan or the institution’s credit position at some future date.
● | Substandard—A substandard loan is inadequately protected by the current sound worth and paying capacity of the obligor or of the collateral pledged, if any. Loans so classified must have a well-defined weakness, or weaknesses, that may jeopardize the liquidation of the debt. A substandard loan is characterized by the distinct possibility that the Bank will sustain some loss if the deficiencies are not corrected.
● | Doubtful—A doubtful loan has all of the weaknesses inherent in one classified as substandard with the added characteristic that the weaknesses make collection or liquidation in full, on the basis of the currently existing facts, conditions and values, highly questionable and improbable.
The following tables provide past due information for outstanding commercial loans and include loans on nonaccrual status.
| December 31, 2017
|  | Owner |  | Non-owner |  |  |  |  |  |
(dollars in thousands) |  | occupied RE |  | occupied RE |  | Construction |  | Business |  | Total
Current |  | $ | 316,818 |  | 312,477 |  | 51,179 |  | 224,861 |  | 905,335
30-59 days past due |  |  | - |  | 129 |  | - |  | 416 |  | 545
60-89 days past due |  |  | - |  | - |  | - |  | - |  | -
Greater than 90 days |  |  | - |  | 192 |  | - |  | 881 |  | 1,073
|  | $ | 316,818 |  | 312,798 |  | 51,179 |  | 226,158 |  | 906,953
| December 31, 2016
|  | Owner |  | Non-owner |  |  |  |  |  |
|  | occupied RE |  | occupied RE |  | Construction |  | Business |  | Total
Current |  | $ | 284,700 |  | 238,346 |  | 33,393 |  | 200,624 |  | 757,063
30-59 days past due |  |  | 981 |  | - |  | - |  | 1,423 |  | 2,404
60-89 days past due |  |  | 257 |  | 56 |  | - |  | - |  | 313
Greater than 90 days |  |  | - |  | 1,172 |  | - |  | 505 |  | 1,677
|  | $ | 285,938 |  | 239,574 |  | 33,393 |  | 202,552 |  | 761,457
As of December 31, 2017 and 2016, loans 30 days or more past due represented 0.34% and 0.55% of our total loan portfolio, respectively. Commercial loans 30 days or more past due were 0.12% and 0.38% as of December 31, 2017 and 2016, respectively. The tables below provide a breakdown of outstanding commercial loans by risk category.
| December 31, 2017
|  | Owner |  | Non-owner |  |  |  |  |  |
(dollars in thousands) |  | occupied RE |  | occupied RE |  | Construction |  | Business |  | Total
Pass |  | $ | 312,628 |  | 306,965 |  | 51,179 |  | 215,729 |  | 886,501
Special Mention |  |  | 1,770 |  | 2,082 |  | - |  | 5,540 |  | 9,392
Substandard |  |  | 2,420 |  | 3,751 |  | - |  | 4,889 |  | 11,060
Doubtful |  |  | - |  | - |  | - |  | - |  | -
|  | $ | 316,818 |  | 312,798 |  | 51,179 |  | 226,158 |  | 906,953
| December 31, 2016
|  | Owner |  | Non-owner |  |  |  |  |  |
|  | occupied RE |  | occupied RE |  | Construction |  | Business |  | Total
Pass |  | $ | 282,055 |  | 234,957 |  | 33,393 |  | 193,517 |  | 743,922
Special Mention |  |  | 1,097 |  | 975 |  | - |  | 2,489 |  | 4,561
Substandard |  |  | 2,786 |  | 3,642 |  | - |  | 6,546 |  | 12,974
Doubtful |  |  | - |  | - |  | - |  | - |  | -
|  | $ | 285,938 |  | 239,574 |  | 33,393 |  | 202,552 |  | 761,457
Consumer We manage a consistent process for assessing consumer loan credit quality by monitoring our loan grading trends and past due statistics. All loans are subject to individual risk assessment. Our risk categories include Pass, Special Mention, Substandard, and Doubtful, which are defined above. Delinquency statistics are also an important indicator of credit quality in the establishment of our allowance for loan losses. The following tables provide past due information for outstanding consumer loans and include loans on nonaccrual status.
| December 31, 2017
(dollars in thousands) |  | Real estate |  | Home equity |  | Construction |  | Other |  | Total
Current |  | $ | 271,284 |  | 154,821 |  | 28,351 |  | 22,506 |  | 476,962
30-59 days past due |  |  | 681 |  | 325 |  | - |  | 69 |  | 1,075
60-89 days past due |  |  | 131 |  | 995 |  | - |  | - |  | 1,126
Greater than 90 days |  |  | 954 |  | - |  | - |  | - |  | 954
|  | $ | 273,050 |  | 156,141 |  | 28,351 |  | 22,575 |  | 480,117
| December 31, 2016
|  | Real estate |  | Home equity |  | Construction |  | Other |  | Total
Current |  | $ | 214,228 |  | 136,638 |  | 31,922 |  | 17,427 |  | 400,215
30-59 days past due |  |  | 1,041 |  | 210 |  | - |  | 126 |  | 1,377
60-89 days past due |  |  | 282 |  | - |  | - |  | 6 |  | 288
Greater than 90 days |  |  | 37 |  | 257 |  | - |  | 13 |  | 307
|  | $ | 215,588 |  | 137,105 |  | 31,922 |  | 17,572 |  | 402,187
Consumer loans 30 days or more past due were 0.23% and 0.17% as of December 31, 2017 and 2016, respectively. The tables below provide a breakdown of outstanding consumer loans by risk category.
| December 31, 2017
(dollars in thousands) |  | Real estate |  | Home equity |  | Construction |  | Other |  | Total
Pass |  | $ | 269,422 |  | 152,545 |  | 28,351 |  | 22,367 |  | 472,685
Special Mention |  |  | 715 |  | 1,025 |  | - |  | 88 |  | 1,828
Substandard |  |  | 2,913 |  | 2,571 |  | - |  | 120 |  | 5,604
Doubtful |  |  | - |  | - |  | - |  | - |  | -
Loss |  |  | - |  | - |  | - |  | - |  | -
|  | $ | 273,050 |  | 156,141 |  | 28,351 |  | 22,575 |  | 480,117
|  | December 31, 2016
|  | Real estate |  | Home equity |  | Construction |  | Other |  | Total
Pass |  | $ | 211,563 |  | 134,124 |  | 31,922 |  | 17,485 |  | 395,094
Special Mention |  |  | 1,064 |  | 2,109 |  | - |  | 16 |  | 3,189
Substandard |  |  | 2,961 |  | 872 |  | - |  | 71 |  | 3,904
Doubtful |  |  | - |  | - |  | - |  | - |  | -
Loss |  |  | - |  | - |  | - |  | - |  | -
|  | $ | 215,588 |  | 137,105 |  | 31,922 |  | 17,572 |  | 402,187
Nonperforming assets The following table shows the nonperforming assets and the related percentage of nonperforming assets to total assets and gross loans. Generally, a loan is placed on nonaccrual status when it becomes 90 days past due as to principal or interest, or when we believe, after considering economic and business conditions and collection efforts, that the borrower’s financial condition is such that collection of the contractual principal or interest on the loan is doubtful. A payment of interest on a loan that is classified as nonaccrual is recognized as a reduction in principal when received.
| December 31,
(dollars in thousands) |  | 2017 |  | 2016
Commercial |  |  |  |  |
Owner occupied RE |  | $ | - |  | 276
Non-owner occupied RE |  |  | 1,581 |  | 2,711
Construction |  |  | - |  | -
Business |  |  | 910 |  | 686
Consumer |  |  |  |  |
Real estate |  |  | 992 |  | 550
Home equity |  |  | 1,144 |  | 256
Construction |  |  | - |  | -
Other |  |  | 1 |  | 13
Nonaccruing troubled debt restructurings |  |  | 2,673 |  | 990
Total nonaccrual loans, including nonaccruing TDRs |  |  | 7,301 |  | 5,482
Other real estate owned |  |  | 242 |  | 639
Total nonperforming assets |  | $ | 7,543 |  | 6,121
Nonperforming assets as a percentage of: |  |  |  |  |
Total assets |  |  | 0.46% |  | 0.46%
Gross loans |  |  | 0.54% |  | 0.53%
Total loans over 90 days past due |  | $ | 2,027 |  | 1,984
Loans over 90 days past due and still accruing |  |  | - |  | -
Accruing TDRs |  |  | 5,145 |  | 5,675
Foregone interest income on the nonaccrual loans for the year ended December 31, 2017 was approximately $309,000 and approximately $439,000 for the same period in 2016. Impaired Loans The table below summarizes key information for impaired loans. Our impaired loans include loans on nonaccrual status and loans modified in a TDR, whether on accrual or nonaccrual status. These impaired loans may have estimated impairment which is included in the allowance for loan losses. Our commercial and consumer impaired loans are evaluated individually to determine the related allowance for loan losses.
|  |  |  | December 31, 2017
|  |  |  | Recorded investment |  |
|  |  |  |  |  |  | Impaired loans |  |
|  | Unpaid |  |  |  | with related |  | Related
|  | Principal |  | Impaired |  | allowance for |  | allowance for
(dollars in thousands) |  | Balance |  | loans |  | loan losses |  | loan losses
Commercial |  |  |  |  |  |  |  |  |
Owner occupied RE |  | $ | 2,281 |  | 2,235 |  | 464 |  | 179
Non-owner occupied RE |  |  | 6,827 |  | 3,665 |  | 2,646 |  | 750
Construction |  |  | - |  | - |  | - |  | -
Business |  |  | 3,735 |  | 2,764 |  | 1,993 |  | 1,061
Total commercial |  |  | 12,843 |  | 8,664 |  | 5,103 |  | 1,990
Consumer |  |  |  |  |  |  |  |  |
Real estate |  |  | 2,062 |  | 2,037 |  | 2,037 |  | 1,379
Home equity |  |  | 2,010 |  | 1,575 |  | 680 |  | 286
Construction |  |  | - |  | - |  | - |  | -
Other |  |  | 171 |  | 170 |  | 170 |  | 22
Total consumer |  |  | 4,243 |  | 3,782 |  | 2,887 |  | 1,687
Total |  | $ | 17,086 |  | 12,446 |  | 7,990 |  | 3,677
|  |  |  | December 31, 2016
|  |  |  | Recorded investment |  |
|  |  |  |  |  |  | Impaired loans |  |
|  | Unpaid |  |  |  | with related |  | Related
|  | Principal |  | Impaired |  | allowance for |  | allowance for
(dollars in thousands) |  | Balance |  | loans |  | loan losses |  | loan losses
Commercial |  |  |  |  |  |  |  |  |
Owner occupied RE |  | $ | 2,284 |  | 2,243 |  | 2,224 |  | 263
Non-owner occupied RE |  |  | 7,238 |  | 4,031 |  | 1,638 |  | 457
Construction |  |  | - |  | - |  | - |  | -
Business |  |  | 3,699 |  | 2,593 |  | 1,610 |  | 1,154
Total commercial |  |  | 13,221 |  | 8,867 |  | 5,472 |  | 1,874
Consumer |  |  |  |  |  |  |  |  |
Real estate |  |  | 1,853 |  | 1,843 |  | 1,843 |  | 682
Home equity |  |  | 207 |  | 257 |  | - |  | -
Construction |  |  | - |  | - |  | - |  | -
Other |  |  | 261 |  | 190 |  | 177 |  | 88
Total consumer |  |  | 2,321 |  | 2,290 |  | 2,020 |  | 770
Total |  | $ | 15,542 |  | 11,157 |  | 7,492 |  | 2,644
The following table provides the average recorded investment in impaired loans and the amount of interest income recognized on impaired loans after impairment by portfolio segment and class.
|  | Year ended December 31,
|  | 2017 |  | 2016 |  | 2015
|  | Average |  | Recognized |  | Average |  | Recognized |  | Average |  | Recognized
|  | recorded |  | interest |  | recorded |  | interest |  | recorded |  | interest
(dollars in thousands) |  | investment |  | income |  | investment |  | income |  | investment |  | income
Commercial |  |  |  |  |  |  |  |  |  |  |  |  |
Owner occupied RE |  | $ | 2,255 |  | 104 |  | 2,263 |  | 112 |  | 884 |  | 6
Non-owner occupied RE |  |  | 4,144 |  | 199 |  | 4,106 |  | 200 |  | 6,137 |  | 128
Construction |  |  | - |  | - |  | - |  | - |  | 1,888 |  | 74
Business |  |  | 2,823 |  | 162 |  | 2,873 |  | 135 |  | 4,067 |  | 148
Total commercial |  |  | 9,222 |  | 465 |  | 9,242 |  | 447 |  | 12,976 |  | 356
Consumer |  |  |  |  |  |  |  |  |  |  |  |  |
Real estate |  |  | 2,047 |  | 69 |  | 1,854 |  | 81 |  | 1,112 |  | 46
Home equity |  |  | 1,576 |  | 97 |  | 257 |  | 2 |  | 252 |  | 7
Construction |  |  | - |  | - |  | - |  | - |  | - |  | -
Other |  |  | 174 |  | 6 |  | 203 |  | 6 |  | 208 |  | 7
Total consumer |  |  | 3,797 |  | 172 |  | 2,314 |  | 89 |  | 1,572 |  | 60
Total |  | $ | 13,019 |  | 637 |  | 11,556 |  | 536 |  | 14,548 |  | 416
Allowance for Loan Losses The following table summarizes the activity related to our allowance for loan losses:
| Year ended December 31,
(dollars in thousands) |  |  | 2017 |  |  | 2016 |  |  | 2015 |
Balance, beginning of period |  | $ | 14,855 |  |  | 13,629 |  |  | 11,752 |
Provision for loan losses |  |  | 2,000 |  |  | 2,300 |  |  | 3,200 |
Loan charge-offs: |  |  |  |  |  |  |  |  |  |
Commercial |  |  |  |  |  |  |  |  |  |
Owner occupied RE |  |  | - |  |  | (5 | ) |  | (48 | )
Non-owner occupied RE |  |  | (589 | ) |  | (100 | ) |  | (258 | )
Construction |  |  | - |  |  | (42 | ) |  | (50 | )
Business |  |  | (638 | ) |  | (1,031 | ) |  | (881 | )
Total commercial |  |  | (1,227 | ) |  | (1,178 | ) |  | (1,237 | )
Consumer |  |  |  |  |  |  |  |  |  |
Real estate |  |  | - |  |  | (194 | ) |  | (173 | )
Home equity |  |  | (400 | ) |  | (66 | ) |  | (93 | )
Construction |  |  | - |  |  | - |  |  | - |
Other |  |  | (11 | ) |  | (210 | ) |  | (5 | )
Total consumer |  |  | (411 | ) |  | (470 | ) |  | (271 | )
Total loan charge-offs |  |  | (1,638 | ) |  | (1,648 | ) |  | (1,508 | )
Loan recoveries: |  |  |  |  |  |  |  |  |  |
Commercial |  |  |  |  |  |  |  |  |  |
Owner occupied RE |  |  | - |  |  | - |  |  | - |
Non-owner occupied RE |  |  | 119 |  |  | 155 |  |  | 10 |
Construction |  |  | - |  |  | - |  |  | - |
Business |  |  | 86 |  |  | 403 |  |  | 129 |
Total commercial |  |  | 205 |  |  | 558 |  |  | 139 |
Consumer |  |  |  |  |  |  |  |  |  |
Real estate |  |  | 86 |  |  | 10 |  |  | - |
Home equity |  |  | 13 |  |  | 1 |  |  | 46 |
Construction |  |  | - |  |  | - |  |  | - |
Other |  |  | 2 |  |  | 5 |  |  | - |
Total consumer |  |  | 101 |  |  | 16 |  |  | 46 |
Total recoveries |  |  | 306 |  |  | 574 |  |  | 185 |
Net loan charge-offs |  |  | (1,332 | ) |  | (1,074 | ) |  | (1,323 | )
Balance, end of period |  | $ | 15,523 |  |  | 14,855 |  |  | 13,629 |
The following tables summarize the activity in the allowance for loan losses by our commercial and consumer portfolio segments.
| Year ended December 31, 2017 |
(dollars in thousands) |  | Commercial |  |  | Consumer |  | Unallocated |  | Total |
Balance, beginning of period |  | $ | 10,039 |  |  | 4,816 |  |  | - |  | 14,855 |
Provision |  |  | 920 |  |  | 1,080 |  |  | - |  | 2,000 |
Loan charge-offs |  |  | (1,227 | ) |  | (411 | ) |  | - |  | (1,638 | )
Loan recoveries |  |  | 205 |  |  | 101 |  |  | - |  | 306 |
Net loan charge-offs |  |  | (1,022 | ) |  | (310 | ) |  | - |  | (1,332 | )
Balance, end of period |  | $ | 9,937 |  |  | 5,586 |  |  | - |  | 15,523 |
| Year ended December 31, 2016 |
|  | Commercial |  |  | Consumer |  | Unallocated |  | Total |
Balance, beginning of period |  | $ | 9,672 |  |  | 3,957 |  |  | - |  | 13,629 |
Provision |  |  | 987 |  |  | 1,313 |  |  | - |  | 2,300 |
Loan charge-offs |  |  | (1,178 | ) |  | (470 | ) |  | - |  | (1,648 | )
Loan recoveries |  |  | 558 |  |  | 16 |  |  | - |  | 574 |
Net loan charge-offs |  |  | (620 | ) |  | (454 | ) |  | - |  | (1,074 | )
Balance, end of period |  | $ | 10,039 |  |  | 4,816 |  |  | - |  | 14,855 |
The following table disaggregates our allowance for loan losses and recorded investment in loans by method of impairment evaluation.
|  | December 31, 2017
|  |  | Allowance for loan losses |  | Recorded investment in loans
(dollars in thousands) |  | Commercial |  | Consumer |  | Total |  | Commercial |  | Consumer |  | Total
Individually evaluated |  | $ | 1,990 |  | 1,687 |  | 3,677 |  | 8,664 |  | 3,782 |  | 12,446
Collectively evaluated |  |  | 7,947 |  | 3,899 |  | 11,846 |  | 898,289 |  | 476,335 |  | 1,374,624
Total |  | $ | 9,937 |  | 5,586 |  | 15,523 |  | 906,953 |  | 480,117 |  | 1,387,070
|  | December 31, 2016
|  | Allowance for loan losses |  | Recorded investment in loans
|  | Commercial |  | Consumer |  | Total |  | Commercial |  | Consumer |  | Total
Individually evaluated |  | $ | 1,874 |  | 770 |  | 2,644 |  | 8,867 |  | 2,290 |  | 11,157
Collectively evaluated |  |  | 8,165 |  | 4,046 |  | 12,211 |  | 752,590 |  | 399,897 |  | 1,152,487
Total |  | $ | 10,039 |  | 4,816 |  | 14,855 |  | 761,457 |  | 402,187 |  | 1,163,644

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