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LOANS | 6 Months Ended
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Jun. 30, 2018
Receivables [Abstract] |
LOANS | NOTE 5 - LOANS Loans are summarized as follows as of June 30, 2018 and December 31, 2017:
|  | June 30, |  |  | December 31, |
|  | 2018 |  |  | 2017 |
Commercial and industrial |  | $ | 115,216 |  |  | $ | 113,801 |
Construction and land |  |  | 33,388 |  |  |  | 22,720 |
Commercial real estate |  |  | 680,756 |  |  |  | 669,150 |
Residential |  |  | 83,491 |  |  |  | 84,781 |
Consumer |  |  | 635 |  |  |  | 1,096 |
Gross loans |  |  | 913,486 |  |  |  | 891,548 |
Net deferred loan fees |  |  | (423 | ) |  |  | (469 | )
Allowance for loan losses |  |  | (4,600 | ) |  |  | (4,215 | )
Net loans |  | $ | 908,463 |  |  | $ | 886,864 |
As of June 30, 2018, and December 31, 2017 the Company’s impaired originated and purchased credit impaired (“PCI”) loans have a related allowance for loss as follows:
|  |  |  |  | Unpaid |  |  |  |  |  | Average |  |  |  |
|  | Recorded |  |  | Principal |  |  | Related |  |  | Recorded |  |  | Income |
|  | Investment |  |  | Balance |  |  | Allowance |  |  | Investment |  |  | Recognized |
June 30, 2018 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
With no related allowance recorded: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial and industrial |  | $ | 691 |  |  | $ | 691 |  |  | $ | - |  |  | $ | 691 |  |  | $ | - |
Construction and land |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |
Commercial real estate |  |  | 877 |  |  |  | 877 |  |  |  | - |  |  |  | 890 |  |  |  | 6 |
Residential |  |  | 129 |  |  |  | 129 |  |  |  | - |  |  |  | 132 |  |  |  | - |
Consumer |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |
With an allowance recorded: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial and industrial |  |  | 11 |  |  |  | 11 |  |  |  | 11 |  |  |  | 11 |  |  |  | - |
Construction and land |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |
Commercial real estate |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |
Residential |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |
Consumer |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |
|  |  |  |  | Unpaid |  |  |  |  |  | Average |  |  |  |
|  | Recorded |  |  | Principal |  |  | Related |  |  | Recorded |  |  | Income |
|  | Investment |  |  | Balance |  |  | Allowance |  |  | Investment |  |  | Recognized |
December 31, 2017 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
With no related allowance recorded: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial and industrial |  | $ | - |  |  | $ | - |  |  | $ | - |  |  | $ | - |  |  | $ | - |
Construction and land |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |
Commercial real estate |  |  | 1,120 |  |  |  | 1,228 |  |  |  | - |  |  |  | 1,147 |  |  |  | 56 |
Residential |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |
Consumer |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |
With an allowance recorded: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial and industrial |  |  | 13 |  |  |  | 13 |  |  |  | 13 |  |  |  | 13 |  |  |  | 2 |
Construction and land |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |
Commercial real estate |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |
Residential |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |
Consumer |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |
Impaired loans on accrual are loans that have been restructured and are performing under modified loan agreements, and principal and interest is determined to be collectible. Nonaccrual loans are loans where principal and interest have been determined to not be fully collectible. The following table presents nonaccrual loans for the periods ending June 30, 2018 and December 31, 2017:
|  | June 30, |  |  | December 31, |
|  | 2018 |  |  | 2017 |
Commercial and industrial |  | $ | 702 |  |  | $ | 13 |
Construction and land |  |  | - |  |  |  | - |
Commercial real estate |  |  | 101 |  |  |  | 166 |
Residential |  |  | 129 |  |  |  | - |
Consumer |  |  | - |  |  |  | - |
Total nonaccrual loans |  | $ | 932 |  |  | $ | 179 |
The government guaranteed portion of nonaccrual loans was $456,000 as of June 30, 2018. There was no government guaranteed portion of nonaccrual loans as of December 31, 2017. The following table presents loans by class modified as troubled debt restructuring (“TDR”) including any subsequent defaults during the period ending June 30, 2018 and December 31, 2017:
June 30, 2018 |  | Number of ‎ Loans |  |  | Rate ‎ Modification |  |  | Term ‎ Modification |  |  | Interest Only ‎ Modification |  |  | Rate & Term ‎ Modification |  |  | Total |
Troubled Debt Restructurings |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial and industrial |  |  | 1 |  |  | $ | - |  |  | $ | - |  |  | $ | - |  |  | $ | 11 |  |  | $ | 11 |
Construction and land |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |
Commercial real estate |  |  | 1 |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | 776 |  |  |  | 776 |
Residential |  |  | 1 |  |  |  | - |  |  |  | 129 |  |  |  | - |  |  |  | - |  |  |  | 129 |
Consumer |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |
|  |  | 3 |  |  | $ | - |  |  | $ | 129 |  |  | $ | - |  |  | $ | 787 |  |  | $ | 916 |
December 31, 2017 |  | Number of ‎ Loans |  |  | Rate ‎ Modification |  |  | Term ‎ Modification |  |  | Interest Only ‎ Modification |  |  | Rate & Term ‎ Modification |  |  | Total |
Troubled Debt Restructurings |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial and industrial |  |  | 1 |  |  | $ | - |  |  | $ | - |  |  | $ | - |  |  | $ | 13 |  |  | $ | 13 |
Construction and land |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |
Commercial real estate |  |  | 3 |  |  |  | - |  |  |  | 238 |  |  |  | - |  |  |  | 794 |  |  |  | 1,032 |
Residential |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |
Consumer |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |
|  |  | 4 |  |  | $ | - |  |  | $ | 238 |  |  | $ | - |  |  | $ | 807 |  |  | $ | 1,045 |
There were no commitments for additional funding of TDR loans as of June 30, 2018. There was one loan that was modified as a TDR during the six months ended June 30, 2018. There were no loans modified within the previous six months for which there was a payment default during the period as of June 30, 2018 and 2017 . Purchase Credit Impaired Loans (“PCI”) As part of acquisitions, the Company has purchased loans, some of which have shown evidence of credit deterioration since origination and it is probable at the acquisition that all contractually requirement payments would not be collected. The carrying amount and unpaid balance of PCI loans are as follows:
|  | June 30, 2018 |  |  | December 31, 2017 |
|  | Unpaid |  |  |  |  |  | Unpaid |  |  |  |
|  | Principal |  |  | Carrying |  |  | Principal |  |  | Carrying |
|  | Balance |  |  | Value |  |  | Balance |  |  | Value |
Commercial and industrial |  | $ | 130 |  |  | $ | 2 |  |  | $ | 149 |  |  | $ | 3 |
Construction and land |  |  |  |  |  |  | - |  |  |  | - |  |  |  | - |
Commercial real estate |  |  | 13,161 |  |  |  | 11,206 |  |  |  | 15,536 |  |  |  | 13,017 |
Residential |  |  | 1,789 |  |  |  | 1,391 |  |  |  | 1,732 |  |  |  | 1,295 |
Consumer |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |
Total purchased credit impaired loans |  | $ | 15,080 |  |  | $ | 12,599 |  |  | $ | 17,417 |  |  | $ | 14,315 |
The following table summarizes the Company’s allowance for loan losses for the six months ended June 30, 2018:
|  | Commercial |  |  | Construction |  |  | Commercial |  |  |  |  |  |  |  |  |  |  |  |  |
Six Months Ending June 30, 2018 |  | and Industrial |  |  | and Land |  |  | Real Estate |  |  | Residential |  |  | Consumer |  |  | Unallocated |  |  | Total |
Allowance for loan losses |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Beginning balance |  | $ | 841 |  |  | $ | 199 |  |  | $ | 2,695 |  |  | $ | 150 |  |  | $ | 3 |  |  | $ | 327 |  |  | $ | 4,215 |
Charge-offs |  |  | (251 | ) |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | (251 | )
Recoveries |  |  | 139 |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | 139 |
Provision (reclassification) for loan losses |  |  | 173 |  |  |  | 93 |  |  |  | 266 |  |  |  | 25 |  |  |  | (1 | ) |  |  | (59 | ) |  |  | 497 |
Ending balance |  | $ | 902 |  |  | $ | 292 |  |  | $ | 2,961 |  |  | $ | 175 |  |  | $ | 2 |  |  | $ | 268 |  |  | $ | 4,600 |
Allowance for loan losses related to: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Loans individually evaluated for impairment |  | $ | 11 |  |  | $ | - |  |  | $ | - |  |  | $ | - |  |  | $ | - |  |  | $ | - |  |  | $ | 11 |
Loans collectively evaluated for impairment |  |  | 891 |  |  |  | 292 |  |  |  | 2,961 |  |  |  | 175 |  |  |  | 2 |  |  |  | 268 |  |  |  | 4,589 |
PCI loans |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |
The following tables summarize the Company’s allowance for loan losses for the three months ended June 30, 2018 and the six months ended June 30, 2017 :
|  | Commercial |  |  | Construction |  |  | Commercial |  |  |  |  |  |  |  |  |  |  |  |  |
Three Months Ending June 30, 2018 |  | and Industrial |  |  | and Land |  |  | Real Estate |  |  | Residential |  |  | Consumer |  |  | Unallocated |  |  | Total |
Allowance for loan losses |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Beginning balance |  | $ | 1,005 |  |  | $ | 251 |  |  | $ | 2,782 |  |  | $ | 160 |  |  | $ | - |  |  | $ | 402 |  |  | $ | 4,600 |
Charge-offs |  |  | (251 | ) |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | (251 | )
Recoveries |  |  | 8 |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | 8 |
Provision (reclassification) for loan losses |  |  | 140 |  |  |  | 41 |  |  |  | 179 |  |  |  | 15 |  |  |  | 2 |  |  |  | (134 | ) |  |  | 243 |
Ending balance |  | $ | 902 |  |  | $ | 292 |  |  | $ | 2,961 |  |  | $ | 175 |  |  | $ | 2 |  |  | $ | 268 |  |  | $ | 4,600 |
Allowance for loan losses related to: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Loans individually evaluated for impairment |  | $ | 11 |  |  | $ | - |  |  | $ | - |  |  | $ | - |  |  | $ | - |  |  | $ | - |  |  | $ | 11 |
Loans collectively evaluated for impairment |  |  | 891 |  |  |  | 292 |  |  |  | 2,961 |  |  |  | 175 |  |  |  | 2 |  |  |  | 268 |  |  |  | 4,589 |
PCI loans |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |
|  | Commercial |  |  | Construction |  |  | Commercial |  |  |  |  |  |  |  |  |  |  |  |  |
|  | and Industrial |  |  | and Land |  |  | Real Estate |  |  | Residential |  |  | Consumer |  |  | Unallocated |  |  | Total |
Balance of loans as of June 30, 2018: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Individually evaluated for impairment |  | $ | 702 |  |  | $ | - |  |  | $ | 877 |  |  | $ | 129 |  |  | $ | - |  |  | $ | - |  |  | $ | 1,708 |
Collectively evaluated for impairment |  |  | 114,512 |  |  |  | 33,388 |  |  |  | 668,673 |  |  |  | 81,971 |  |  |  | 635 |  |  |  | - |  |  |  | 899,179 |
PCI loans |  |  | 2 |  |  |  | - |  |  |  | 11,206 |  |  |  | 1,391 |  |  |  | - |  |  |  | - |  |  |  | 12,599 |
Balance of loans collectively evaluated for impairment |  |  | 114,514 |  |  |  | 33,388 |  |  |  | 679,880 |  |  |  | 83,360 |  |  |  | 635 |  |  |  | - |  |  |  | 911,777 |
Total loans |  | $ | 115,216 |  |  | $ | 33,388 |  |  | $ | 680,756 |  |  | $ | 83,491 |  |  | $ | 635 |  |  | $ | - |  |  | $ | 913,486 |
|  | Commercial |  |  | Construction |  |  | Commercial |  |  |  |  |  |  |  |  |  |  |  |  |
Six Months Ending June 30, 2017 |  | and Industrial |  |  | and Land |  |  | Real Estate |  |  | Residential |  |  | Consumer |  |  | Unallocated |  |  | Total |
Allowance for loan losses |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Beginning balance |  | $ | 1,011 |  |  | $ | 287 |  |  | $ | 2,105 |  |  | $ | 151 |  |  | $ | 4 |  |  | $ | 217 |  |  | $ | 3,775 |
Charge-offs |  |  | - |  |  |  | - |  |  |  | (3 | ) |  |  | - |  |  |  | - |  |  |  | - |  |  |  | (3 | )
Recoveries |  |  | 16 |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | 16 |
Provision (reclassification) for loan losses |  |  | 18 |  |  |  | (2 | ) |  |  | 451 |  |  |  | 1 |  |  |  | (2 | ) |  |  | (179 | ) |  |  | 287 |
Ending balance |  | $ | 1,045 |  |  | $ | 285 |  |  | $ | 2,553 |  |  | $ | 152 |  |  | $ | 2 |  |  | $ | 38 |  |  | $ | 4,075 |
Allowance for loan losses related to: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Loans individually evaluated for impairment |  | $ | 37 |  |  | $ | - |  |  | $ | - |  |  | $ | - |  |  | $ | - |  |  | $ | - |  |  | $ | 37 |
Loans collectively evaluated for impairment |  |  | 1,008 |  |  |  | 285 |  |  |  | 2,553 |  |  |  | 152 |  |  |  | 2 |  |  |  | 38 |  |  |  | 4,038 |
PCI loans |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |
Balance of loans as of June 30, 2017: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Individually evaluated for impairment |  | $ | 229 |  |  | $ | - |  |  | $ | 138 |  |  | $ | - |  |  | $ | - |  |  | $ | - |  |  | $ | 367 |
Collectively evaluated for impairment |  |  | 104,531 |  |  |  | 22,477 |  |  |  | 626,856 |  |  |  | 89,007 |  |  |  | 1,362 |  |  |  | - |  |  |  | 844,233 |
PCI loans |  |  | 74 |  |  |  | - |  |  |  | 12,819 |  |  |  | 1,480 |  |  |  | - |  |  |  | - |  |  |  | 14,373 |
Balance of loans collectively evaluated for impairment |  |  | 104,605 |  |  |  | 22,477 |  |  |  | 639,675 |  |  |  | 90,487 |  |  |  | 1,362 |  |  |  | - |  |  |  | 858,606 |
Total loans |  | $ | 104,834 |  |  | $ | 22,477 |  |  | $ | 639,813 |  |  | $ | 90,487 |  |  | $ | 1,362 |  |  | $ | - |  |  | $ | 858,973 |
Risk rating system Each loan is assigned a risk grade based on its characteristics. Loans with low to average credit risk are assigned a lower risk grade than those with higher credit risk as determined by the individual loan characteristics. The Company’s “ Pass ” loans includes loans with acceptable business or individual credit risk where the borrower’s operations, cash flow or financial condition provides evidence of low to average levels of risk. A “ Special Mention ” asset has potential weaknesses that deserve close attention. If left uncorrected, these potential weaknesses may result in a deterioration of the repayment prospects for the asset or in the Company’s credit position at some future date. Special Mention assets are not adversely classified and do not expose the Company to sufficient risk to warrant adverse classification. A Special Mention rating should be a temporary rating, pending the occurrence of an event that would cause the risk rating to either improve or to be downgraded. A “ Substandard ” asset is inadequately protected by the current net worth and paying capacity of the obligor or of the collateral pledged. Assets so classified must have a well-defined weakness or weaknesses that jeopardize the liquidation of the debt. Assets are characterized by the distinct possibility that the Company will sustain some loss if the deficiencies are not corrected. The potential loss does not have to be recognizable in an individual credit for that credit to be risk rated substandard. Any asset classified “ Doubtful ” has all the weaknesses inherent in one classified substandard with the added characteristic that the weaknesses make collection or liquidation in full, on the basis of currently existing facts, conditions, and value, highly questionable and improbable. Doubtful assets have a high probability of loss, yet certain important and reasonably specific pending factors may work toward the strengthening of the asset. Losses are recognized as charges to the allowance when the loan or portion of the loan is considered uncollectible or at the time of foreclosure. Recoveries on loans receivable previously charged off are credited to the allowance for loan losses. The following tables represent the internally assigned grade by class of loans as of June 30, 2018 and December 31, 2017:
|  |  |  |  | Special |  |  |  |  |  |  |  |  | Total |
June 30, 2018 |  | Pass |  |  | Mention |  |  | Substandard |  |  | Doubtful |  |  | loans |
Commercial and industrial |  | $ | 113,006 |  |  | $ | 259 |  |  | $ | 1,951 |  |  | $ | - |  |  | $ | 115,216 |
Construction and land |  |  | 30,429 |  |  |  | 122 |  |  |  | 2,837 |  |  |  | - |  |  |  | 33,388 |
Commercial real estate |  |  | 670,903 |  |  |  | 6,864 |  |  |  | 2,989 |  |  |  | - |  |  |  | 680,756 |
Residential |  |  | 83,214 |  |  |  | 148 |  |  |  | 129 |  |  |  | - |  |  |  | 83,491 |
Consumer |  |  | 635 |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | 635 |
Totals |  | $ | 898,187 |  |  | $ | 7,393 |  |  | $ | 7,906 |  |  | $ | - |  |  | $ | 913,486 |
|  |  |  |  | Special |  |  |  |  |  |  |  |  |  |
December 31, 2017 |  | Pass |  |  | Mention |  |  | Substandard |  |  | Doubtful |  |  | Total |
Commercial and industrial |  | $ | 112,078 |  |  | $ | 807 |  |  | $ | 916 |  |  | $ | - |  |  | $ | 113,801 |
Construction and land |  |  | 19,833 |  |  |  | - |  |  |  | 2,887 |  |  |  | - |  |  |  | 22,720 |
Commercial real estate |  |  | 661,878 |  |  |  | 4,058 |  |  |  | 3,214 |  |  |  | - |  |  |  | 669,150 |
Residential |  |  | 84,781 |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | 84,781 |
Consumer |  |  | 1,096 |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | 1,096 |
Total |  | $ | 879,666 |  |  | $ | 4,865 |  |  | $ | 7,017 |  |  | $ | - |  |  | $ | 891,548 |
The following tables provide an aging of the Company's loan receivable as of June 30, 2018 and December 31, 2017:
|  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Recorded |
|  |  |  |  |  |  |  | Greater |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Investment > |
|  | 30-59 Days |  |  | 60-89 Days |  |  | Than |  |  | Total Past |  |  |  |  |  |  |  |  | Total Loans |  |  | 90 Days and |
|  | Past Due |  |  | Past Due |  |  | 90 Days |  |  | Due |  |  | Current |  |  | PCI Loans |  |  | Receivable |  |  | Accruing |
June 30, 2018 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial and industrial |  | $ | 250 |  |  | $ | 185 |  |  | $ | 329 |  |  | $ | 764 |  |  | $ | 114,450 |  |  | $ | 2 |  |  | $ | 115,216 |  |  | $ | - |
Construction and land |  |  | - |  |  |  | - |  |  |  | 122 |  |  |  | 122 |  |  |  | 33,266 |  |  |  | - |  |  |  | 33,388 |  |  |  | - |
Commercial real estate |  |  | 2,154 |  |  |  | 268 |  |  |  | - |  |  |  | 2,422 |  |  |  | 667,128 |  |  |  | 11,206 |  |  |  | 680,756 |  |  |  | - |
Residential |  |  | 129 |  |  |  | - |  |  |  | - |  |  |  | 129 |  |  |  | 81,971 |  |  |  | 1,391 |  |  |  | 83,491 |  |  |  | - |
Consumer |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | 635 |  |  |  | - |  |  |  | 635 |  |  |  | - |
Total |  | $ | 2,533 |  |  | $ | 453 |  |  | $ | 451 |  |  | $ | 3,437 |  |  | $ | 897,450 |  |  | $ | 12,599 |  |  | $ | 913,486 |  |  | $ | - |
December 31, 2017 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial and industrial |  | $ | 96 |  |  | $ | - |  |  | $ | - |  |  | $ | 96 |  |  | $ | 113,702 |  |  | $ | 3 |  |  | $ | 113,801 |  |  | $ | - |
Construction and land |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | 22,720 |  |  |  | - |  |  |  | 22,720 |  |  |  | - |
Commercial real estate |  |  | 1,446 |  |  |  | - |  |  |  | - |  |  |  | 1,446 |  |  |  | 654,687 |  |  |  | 13,017 |  |  |  | 669,150 |  |  |  | - |
Residential |  |  | 349 |  |  |  | - |  |  |  | - |  |  |  | 349 |  |  |  | 83,137 |  |  |  | 1,295 |  |  |  | 84,781 |  |  |  | - |
Consumer |  |  | 3 |  |  |  | - |  |  |  | - |  |  |  | 3 |  |  |  | 1,093 |  |  |  | - |  |  |  | 1,096 |  |  |  | - |
Total |  | $ | 1,894 |  |  | $ | - |  |  | $ | - |  |  | $ | 1,894 |  |  | $ | 875,339 |  |  | $ | 14,315 |  |  | $ | 891,548 |  |  | $ | - |
At June 30, 2018 a loan totaling $122,000 was 90 days or more past due and accruing interest. At December 31, 2017 there were no loans that were 90 days or more past due where interest was still accruing.

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