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LOANS
 6 Months Ended
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.