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Allowance For Loan Losses | 12 Months Ended
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Dec. 31, 2011
Allowance For Loan Losses [Abstract] |
Allowance For Loan Losses | NOTE 4. Allowance for Loan Losses Changes in the allowance for loan losses for the years ended December 31, 2011, 2010 and 2009 were as follows:
|  |  |  |  | December 31, |  |  |  |
|  | 2011 |  |  | 2010 |  |  | 2009 |
|  |  |  |  | (in thousands) |  |  |  |
Balance, beginning | $ | 7,111 |  | $ | 5,970 |  | $ | 4,521 |
Provision charged to operating expense |  | 3,750 |  |  | 6,325 |  |  | 4,350 |
Recoveries added to the allowance |  | 848 |  |  | 291 |  |  | 252 |
Loan losses charged to the allowance |  | (2,966 | ) |  | (5,475 | ) |  | (3,153 | )
Balance, ending | $ | 8,743 |  | $ | 7,111 |  | $ | 5,970 |
Nonaccrual and past due loans by class at December 31, 2011 and 2010 were as follows:
| As of December 31, 2011
| (in thousands)
|  | 30 - 59 |  | 60 - 89 |  | 90 or More |  |  |  |  |  |  |  | 90 or More |  |
|  | Days |  | Days |  | Days |  | Total Past |  |  |  |  |  | Days Past Due |  | Nonaccrual
|  | Past Due |  | Past Due |  | Past Due |  | Due |  | Current |  | Total Loans |  | Still Accruing |  | Loans
Commercial - Non Real Estate: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial & Industrial | $ | 114 | $ | 421 | $ | - | $ | 535 | $ | 22,331 | $ | 22,866 | $ | - | $ | -
Commercial Real Estate: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Owner Occupied |  | 174 |  | 9 |  | 447 |  | 630 |  | 82,476 |  | 83,106 |  | - |  | 600
Non-owner occupied |  | 873 |  | 1,102 |  | - |  | 1,975 |  | 32,962 |  | 34,937 |  | - |  | 234
Construction and Farmland: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Residential |  | - |  | - |  | - |  | - |  | 10,594 |  | 10,594 |  | - |  | 151
Commercial |  | - |  | - |  | - |  | - |  | 24,375 |  | 24,375 |  | - |  | -
Consumer: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Installment |  | 114 |  | 13 |  | 5 |  | 132 |  | 13,053 |  | 13,185 |  | 5 |  | -
Residential: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Equity Lines |  | 217 |  | 30 |  | - |  | 247 |  | 33,182 |  | 33,429 |  | - |  | 177
Single family |  | 2,187 |  | 194 |  | 717 |  | 3,098 |  | 176,111 |  | 179,209 |  | 89 |  | 1,287
Multifamily |  | - |  | - |  | - |  | - |  | 4,517 |  | 4,517 |  | - |  | -
All Other Loans |  | - |  | - |  | - |  | - |  | 4,206 |  | 4,206 |  | - |  | -
Total | $ | 3,679 | $ | 1,769 | $ | 1,169 | $ | 6,617 | $ | 403,807 | $ | 410,424 | $ | 94 | $ | 2,449
| As of December 31, 2010
| (in thousands)
|  | 30 - 59 |  | 60 - 89 |  | 90 or More |  |  |  |  |  |  |  | 90 or More |  |
|  | Days |  | Days |  | Days |  | Total Past |  |  |  |  |  | Past Due |  | Nonaccrual
|  | Past Due |  | Past Due |  | Past Due |  | Due |  | Current |  | Total Loans |  | Still Accruing |  | Loans
Commercial - Non Real Estate: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial & Industrial | $ | 91 | $ | 129 | $ | 7 | $ | 227 | $ | 24,222 | $ | 24,449 | $ | 7 | $ | 267
Commercial Real Estate: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Owner Occupied |  | 1,100 |  | 938 |  | 177 |  | 2,215 |  | 81,176 |  | 83,391 |  | - |  | 1,071
Non-owner occupied |  | 248 |  | - |  | 294 |  | 542 |  | 32,448 |  | 32,990 |  | - |  | -
Construction and Farmland: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Residential |  | 63 |  | 70 |  | 1,122 |  | 1,255 |  | 9,042 |  | 10,297 |  | - |  | 3,808
Commercial |  | 1,222 |  | - |  | 911 |  | 2,133 |  | 23,462 |  | 25,595 |  | - |  | -
Consumer: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Installment |  | 181 |  | 72 |  | 3 |  | 256 |  | 14,262 |  | 14,518 |  | 3 |  | -
Residential: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Equity Lines |  | 781 |  | 60 |  | - |  | 841 |  | 41,848 |  | 42,689 |  | - |  | 190
Single family |  | 1,814 |  | 490 |  | 502 |  | 2,806 |  | 162,176 |  | 164,982 |  | - |  | 3,041
Multifamily |  | - |  | - |  | - |  | - |  | 4,908 |  | 4,908 |  | - |  | -
All Other Loans |  | - |  | 696 |  | - |  | 696 |  | 3,934 |  | 4,630 |  | - |  | -
Total | $ | 5,500 | $ | 2,455 | $ | 3,016 | $ | 10,971 | $ | 397,478 | $ | 408,449 | $ | 10 | $ | 8,377
Allowance for loan losses by segment for the years ended December 31, 2011 and 2010 were as follows:
| A s o f a nd fo r the Ye a r Ende d D e c e m be r 3 1, 2 0 11
| (in tho us a nds )
|  | Co ns tructio n |  |  | Res idential |  |  | Co mmercial |  |  |  |  |  |  |  | All Other |  |  |  |  |  |
|  | a nd Farmlan d |  |  | Real Es tate |  |  | Real Es tate |  |  | Co mmercia l |  |  | Co ns umer |  | Lo ans |  | Unallo cated |  | To tal |
A llo wa nc e fo r c re dit lo s s e s : |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Beginning Balance | $ | 1,386 |  | $ | 3,457 |  | $ | 1,231 |  | $ | 819 |  | $ | 182 |  | $ | 36 |  | $ | - | $ | 7,111 |
Charge-Offs |  | (721 | ) |  | (1,203 | ) |  | (14 | ) |  | (572 | ) |  | (331 | ) |  | (125 | ) |  | - |  | (2,966 | )
Reco veries |  | 5 |  |  | 298 |  |  | 2 |  |  | 292 |  |  | 195 |  |  | 56 |  |  | - |  | 848 |
P ro vis io n |  | 1,948 |  |  | 992 |  |  | (162 | ) |  | 538 |  |  | 85 |  |  | 156 |  |  | 193 |  | 3,750 |
Ending balance | $ | 2,618 |  | $ | 3,544 |  | $ | 1,057 |  | $ | 1,077 |  | $ | 131 |  | $ | 123 |  | $ | 193 | $ | 8,743 |
Ending balance: Individually |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
evaluated fo r impairment | $ | 1,468 |  | $ | 2,071 |  | $ | 150 |  | $ | 544 |  | $ | - |  | $ | - |  | $ | - | $ | 4,233 |
Ending balance: co llectively |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
evaluated fo r impairment | $ | 1,150 |  | $ | 1,473 |  | $ | 907 |  | $ | 533 |  | $ | 131 |  | $ | 123 |  | $ | 193 | $ | 4,510 |
F ina nc ing re c e iv a ble s : |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Ending balance | $ | 34,969 |  | $ | 217,155 |  | $ | 118,043 |  | $ | 22,866 |  | $ | 13,185 |  | $ | 4,206 |  | $ | - | $ | 410,424 |
Ending balance individually |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
evaluated fo r impairment | $ | 3,357 |  | $ | 9,748 |  | $ | 6,186 |  | $ | 599 |  | $ | - |  | $ | - |  | $ | - | $ | 19,890 |
Ending balance co llectively evaluated |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
fo r impairment | $ | 31,612 |  | $ | 207,407 |  | $ | 111,857 |  | $ | 22,267 |  | $ | 13,185 |  | $ | 4,206 |  | $ | - | $ | 390,534 |
| F o r the Ye a r Ende d D e c e m be r 3 1, 2 0 10
| (in tho us a nds )
|  | Co ns tructio n |  |  | Res idential |  |  | Co mmercial |  |  |  |  |  |  |  | All Other |  |  |  |  |  |
|  | a nd Farmlan d |  |  | Real Es tate |  |  | Real Es tate |  |  | Co mmercia l |  |  | Co ns umer |  | Lo ans |  | Unallo cated |  | To tal |
A llo wa nc e fo r c re dit lo s s e s : |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Ending balance | $ | 1,386 |  | $ | 3,457 |  | $ | 1,231 |  | $ | 819 |  | $ | 182 |  | $ | 36 |  | $ | - | $ | 7,111 |
Ending balance: Individually |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
evaluated fo r impairment | $ | 622 |  | $ | 1,623 |  | $ | 273 |  | $ | 139 |  | $ | - |  | $ | - |  | $ | - | $ | 2,657 |
Ending balance: co llectively |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
evaluated fo r impairment | $ | 764 |  | $ | 1,834 |  | $ | 958 |  | $ | 680 |  | $ | 182 |  | $ | 36 |  | $ | - | $ | 4,454 |
F ina nc ing re c e iv a ble s : |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Ending balance | $ | 35,892 |  | $ | 212,579 |  | $ | 116,381 |  | $ | 24,449 |  | $ | 14,518 |  | $ | 4,630 |  | $ | - | $ | 408,449 |
Ending balance individually |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
evaluated fo r impairment | $ | 3,549 |  | $ | 11,172 |  | $ | 5,141 |  | $ | 319 |  | $ | - |  | $ | - |  | $ | - | $ | 20,181 |
Ending balance co llectively evaluated |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
fo r impairment | $ | 32,343 |  | $ | 201,407 |  | $ | 111,240 |  | $ | 24,130 |  | $ | 14,518 |  | $ | 4,630 |  | $ | - | $ | 388,268 |
Impaired loans by class at December 31, 2011 and 2010 were as follows:
| As of December 31, 2011
| (in thousands)
|  | Unpaid |  |  |  |  |  | Average |  | Interest
|  | Principal |  | Recorded | Related |  | Recorded |  | Income
|  | Balance |  | Investment | Allowance |  | Investment |  | Recognized
With no related allowance: |  |  |  |  |  |  |  |  |  |
Commercial - Non Real Estate: |  |  |  |  |  |  |  |  |  |
Commercial & Industrial | $ | 5 | $ | 5 | $ | - | $ | 2 | $ | -
Commercial Real Estate: |  |  |  |  |  |  |  |  |  |
Owner Occupied |  | 2,521 |  | 2,529 |  | - |  | 2,575 |  | 132
Non-owner occupied |  | 2,552 |  | 2,567 |  | - |  | 2,623 |  | 110
Construction and Farmland: |  |  |  |  |  |  |  |  |  |
Residential |  | - |  | - |  | - |  | - |  | -
Commercial |  | 361 |  | 361 |  | - |  | 466 |  | 21
Residential: |  |  |  |  |  |  |  |  |  |
Equity lines |  | 177 |  | 177 |  | - |  | 190 |  | -
Single family |  | 3,237 |  | 3,242 |  | - |  | 3,840 |  | 97
Multifamily |  | - |  | - |  | - |  | - |  | -
Other Loans |  | - |  | - |  | - |  | - |  | -
| $ | 8,853 | $ | 8,881 | $ | - | $ | 9,696 | $ | 360
With an allowance recorded: |  |  |  |  |  |  |  |  |  |
Commercial - Non Real Estate: |  |  |  |  |  |  |  |  |  |
Commercial & Industrial | $ | 594 | $ | 600 | $ | 544 | $ | 602 | $ | 26
Commercial Real Estate: |  |  |  |  |  |  |  |  |  |
Owner Occupied |  | - |  | - |  | - |  | - |  | -
Non-owner occupied |  | 1,112 |  | 1,124 |  | 150 |  | 1,128 |  | 64
Construction and Farmland: |  |  |  |  |  |  |  |  |  |
Residential |  | - |  | - |  | - |  | - |  | -
Commercial |  | 2,997 |  | 3,006 |  | 1,468 |  | 3,012 |  | 147
Residential: |  |  |  |  |  |  |  |  |  |
Equity lines |  | 402 |  | 404 |  | 325 |  | 404 |  | 13
Single family |  | 5,932 |  | 5,940 |  | 1,746 |  | 6,029 |  | 236
Multifamily |  | - |  | - |  | - |  | - |  | -
Other Loans |  | - |  | - |  | - |  | - |  | -
| $ | 11,037 | $ | 11,074 | $ | 4,233 | $ | 11,175 | $ | 486
Total: |  |  |  |  |  |  |  |  |  |
Commercial | $ | 599 | $ | 605 | $ | 544 | $ | 604 | $ | 26
Commercial Real Estate |  | 6,185 |  | 6,220 |  | 150 |  | 6,326 |  | 306
Construction and Farmland |  | 3,358 |  | 3,367 |  | 1,468 |  | 3,478 |  | 168
Residential |  | 9,748 |  | 9,763 |  | 2,071 |  | 10,463 |  | 346
Other |  | - |  | - |  | - |  | - |  | -
Total | $ | 19,890 | $ | 19,955 | $ | 4,233 | $ | 20,871 | $ | 846
| As of December 31, 2010
| (in thousands)
|  | Unpaid |  |  |  |  |  | Average |  | Interest
|  | Principal |  | Recorded | Related |  | Recorded |  | Income
|  | Balance |  | Investment | Allowance |  | Investment |  | Recognized
With no related allowance: |  |  |  |  |  |  |  |  |  |
Commercial - Non Real Estate: |  |  |  |  |  |  |  |  |  |
Commercial & Industrial | $ | - | $ | - | $ | - | $ | - | $ | -
Commercial Real Estate: |  |  |  |  |  |  |  |  |  |
Owner Occupied |  | 2,143 |  | 2,151 |  | - |  | 2,164 |  | 131
Non-owner occupied |  | 2,144 |  | 2,153 |  | - |  | 2,153 |  | 34
Construction and Farmland: |  |  |  |  |  |  |  |  |  |
Residential |  | - |  | - |  | - |  | - |  | -
Commercial |  | 2,447 |  | 2,447 |  | - |  | 2,451 |  | 70
Residential: |  |  |  |  |  |  |  |  |  |
Equity lines |  | 685 |  | 689 |  | - |  | 690 |  | 33
Single family |  | 4,432 |  | 4,450 |  | - |  | 4,736 |  | 90
Multifamily |  | - |  | - |  | - |  | - |  | -
Other Loans |  | - |  | - |  | - |  | - |  | -
| $ | 11,851 | $ | 11,890 | $ | - | $ | 12,194 | $ | 358
With an allowance recorded: |  |  |  |  |  |  |  |  |  |
Commercial - Non Real Estate: |  |  |  |  |  |  |  |  |  |
Commercial & Industrial | $ | 319 | $ | 319 | $ | 139 | $ | 695 | $ | 29
Commercial Real Estate: |  |  |  |  |  |  |  |  |  |
Owner Occupied |  | 306 |  | 306 |  | 122 |  | 406 |  | -
Non-owner occupied |  | 548 |  | 549 |  | 151 |  | 202 |  | 23
Construction and Farmland: |  |  |  |  |  |  |  |  |  |
Residential |  | - |  | - |  | - |  | - |  | -
Commercial |  | 1,102 |  | 1,102 |  | 622 |  | 1,259 |  | 68
Residential: |  |  |  |  |  |  |  |  |  |
Equity lines |  | - |  | - |  | - |  | - |  | -
Single family |  | 6,055 |  | 6,093 |  | 1,623 |  | 3,653 |  | 319
Multifamily |  | - |  | - |  | - |  | - |  | -
Other Loans |  | - |  | - |  | - |  | - |  | -
| $ | 8,330 | $ | 8,369 | $ | 2,657 | $ | 6,215 | $ | 439
Total: |  |  |  |  |  |  |  |  |  |
Commercial | $ | 319 | $ | 319 | $ | 139 | $ | 695 | $ | 29
Commercial Real Estate |  | 5,141 |  | 5,159 |  | 273 |  | 4,925 |  | 188
Construction and Farmland |  | 3,549 |  | 3,549 |  | 622 |  | 3,710 |  | 138
Residential |  | 11,172 |  | 11,232 |  | 1,623 |  | 9,079 |  | 442
Other |  | - |  | - |  | - |  | - |  | -
Total | $ | 20,181 | $ | 20,259 | $ | 2,657 | $ | 18,409 | $ | 797
Recorded investment is defined as the summation of the principal balance, accrued interest, and net deferred loan fees or costs. Impaired loans at December 31, 2009 were as follows:
|  | December 31,
|  | 2009
|  | (in thousands)
Impaired loans for which, |  |
an allowance has been provided | $ | 7,496
no allowance has been provided |  | 147
Total impaired loans | $ | 7,643
Allowance provided for impaired |  |
loans included in ALLL | $ | 2,253
Average balance of impaired loans | $ | 3,893
Interest income recognized | $ | 309
The Company uses a rating system for evaluating the risks associated with non-consumer loans. Consumer loans are not evaluated for risk unless the characteristics of the loan fall within classified categories. Descriptions of these ratings are as follows:
Pass | Pass loans exhibit acceptable operating trends, balance sheet trends, and liquidity. Sufficient cash flow exists to service the loan. All obligations have been paid by the borrower in an as agreed manner.
Watch | Watch loans exhibit income volatility, negative operating trends, and a highly leveraged balance sheet. A higher level of supervision is required for these loans as the potential for a negative event could impact the borrower's ability to repay the loan.
Special mention | Special mention loans exhibit a potential weakness, if left uncorrected, may negatively affect the borrower's ability to repay its debt obligation. The risk of default is not imminent and the borrower still demonstrates sufficient cash flow to support the loan.
Substandard | Substandard loans exhibit well defined weaknesses and have a high probability of default. The borrowers exhibit adverse financial trends but still have the ability to service debt obligations.
Doubtful | Doubtful loans exhibit all of the characteristics inherent in substandard loans but the weaknesses make collection or full liquidation highly questionable.
Loss | Loss loans are considered uncollectible and of such little value that its continuance as a bankable asset is not warranted.
Credit quality information by class at December 31, 2011 and 2010 was as follows:
| A s o f D e c e m be r 3 1, 2 0 11
| (in tho us a nds )
|  |  |  |  |  | Special |  |  |  |  |  |  |  |
INTERNAL RISK RATING GRADES |  | P as s |  | Watch |  | Mentio n | Subs tandard |  | Do ubtful |  | Lo s s |  | To tal
Co mmercial - No n Real Es tate: |  |  |  |  |  |  |  |  |  |  |  |  |  |
Co mmercial &Indus trial | $ | 16,960 | $ | 2,668 | $ | 991 | $ | 2,215 | $ | 32 | $ | - | $ | 22,866
Co mmercial Real Es tate: |  |  |  |  |  |  |  |  |  |  |  |  |  |
Owner Occupied |  | 65,651 |  | 6,613 |  | 5,759 |  | 4,641 |  | 442 |  | - |  | 83,106
No n-o wner o ccupied |  | 21,573 |  | 6,688 |  | 1,330 |  | 5,113 |  | 233 |  | - |  | 34,937
Co ns tructio n and Farmland: |  |  |  |  |  |  |  |  |  |  |  |  |  |
Res idential |  | 9,839 |  | - |  | 755 |  | - |  | - |  | - |  | 10,594
Co mmercial |  | 15,990 |  | 1,657 |  | 2,595 |  | 4,029 |  | 104 |  | - |  | 24,375
Res idential: |  |  |  |  |  |  |  |  |  |  |  |  |  |
Equity Lines |  | 31,862 |  | 227 |  | 355 |  | 985 |  | - |  | - |  | 33,429
Single family |  | 150,520 |  | 5,939 |  | 10,249 |  | 11,134 |  | 1,367 |  | - |  | 179,209
Multifamily |  | 2,320 |  | 1,230 |  | 967 |  | - |  | - |  | - |  | 4,517
All o ther lo ans |  | 3,485 |  | - |  | 721 |  | - |  | - |  | - |  | 4,206
To tal | $ | 318,200 | $ | 25,022 | $ | 23,722 | $ | 28,117 | $ | 2,178 | $ | - | $ | 397,239
|  | P erfo rming |  | No nperfo rming
Co ns umer Credit Expo s ure by |  |  |  |
P ayment Activity | $ | 13,053 | $ | 132
| A s o f D e c e m be r 3 1, 2 0 10
| (in tho us a nds )
|  |  |  |  |  | Special |  |  |  |  |  |  |  |
INTERNAL RISK RATING GRADES |  | P as s |  | Watch |  | Mentio n | Subs tandard |  | Do ubtful |  | Lo s s |  | To tal
Co mmercial - No n Real Es tate: |  |  |  |  |  |  |  |  |  |  |  |  |  |
Co mmercial &Indus trial | $ | 19,990 | $ | 845 | $ | 1,535 | $ | 1,812 | $ | 267 | $ | - | $ | 24,449
Co mmercial Real Es tate: |  |  |  |  |  |  |  |  |  |  |  |  |  |
Owner Occupied |  | 65,983 |  | 5,686 |  | 8,823 |  | 2,899 |  | - |  | - |  | 83,391
No n-o wner o ccupied |  | 25,569 |  | 3,322 |  | 3,113 |  | 986 |  | - |  | - |  | 32,990
Co ns tructio n and Farmland: |  |  |  |  |  |  |  |  |  |  |  |  |  |
Res idential |  | 7,875 |  | 1,556 |  | - |  | - |  | - |  | - |  | 9,431
Co mmercial |  | 17,492 |  | 790 |  | 2,378 |  | 2,672 |  | 3,129 |  | - |  | 26,461
Res idential: |  |  |  |  |  |  |  |  |  |  |  |  |  |
Equity Lines |  | 41,430 |  | 182 |  | 67 |  | 860 |  | 150 |  | - |  | 42,689
Single family |  | 147,445 |  | 3,674 |  | 2,229 |  | 9,132 |  | 2,502 |  | - |  | 164,982
Multifamily |  | 3,272 |  | 1,636 |  | - |  | - |  | - |  | - |  | 4,908
All o ther lo ans |  | 4,581 |  | 49 |  | - |  | - |  | - |  | - |  | 4,630
To tal | $ | 333,637 | $ | 17,740 | $ | 18,145 | $ | 18,361 | $ | 6,048 | $ | - | $ | 393,931
|  | P erfo rming |  | No nperfo rming
Co ns umer Credit Expo s ure by |  |  |  |
P ayment Activity | $ | 14,262 | $ | 256
One consumer loan was rated as watch for $17,000, one consumer loan was rated as special mention for $292,000, four consumer loans were rated as substandard for $19,000 and one consumer loan was rated as doubtful for $5,000 at December 31, 2011. One consumer loan was rated as watch for $23,000 and two consumer loans were rated as substandard for $10,000 at December 31, 2010.

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- Definition The entire disclosure for financing receivables. Examples of financing receivables include, but are not limited to, loans, trade accounts receivables, notes receivable, credit cards, and receivables relating to a lessor's right(s) to payment(s) from a lease other than an operating lease that is recognized as assets. + References Reference 1: http://www.xbrl.org/2003/role/presentationRef -Publisher FASB -Name Accounting Standards Codification -Topic 310 -SubTopic 10 -URI http://asc.fasb.org/subtopic&trid=2196772 Reference 2: http://www.xbrl.org/2003/role/presentationRef -Publisher FASB -Name Accounting Standards Codification -Topic 310 -SubTopic 10 -Section 55 -Paragraph 14 -URI http://asc.fasb.org/extlink&oid=6951925&loc=SL6953791-111525 + Details
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