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Allowance For Loan Losses | 9 Months Ended
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Sep. 30, 2012
Allowance For Loan Losses [Abstract] |
Allowance For Loan Losses | NOTE 5. Allowance for Loan Losses Changes in the allowance for loan losses for the nine months ended September 30, 2012 and 2011 and the year ended December 31, 2011 were as follows:
|  | Nine Months Ended |  |  | Year Ended |  |  | Nine Months Ended |
|  | September 30, 2012 |  |  | December 31, 2011 |  |  | September 30, 2011 |
|  |  |  |  | (in thousands) |  |  |  |
Balance, beginning | $ | 8,743 |  | $ | 7,111 |  | $ | 7,111 |
Provision charged to operating expense |  | 1,650 |  |  | 3,750 |  |  | 2,850 |
Recoveries added to the allowance |  | 215 |  |  | 848 |  |  | 568 |
Loan losses charged to the allowance |  | (2,647 | ) |  | (2,966 | ) |  | (2,638 | )
Balance, ending | $ | 7,961 |  | $ | 8,743 |  | $ | 7,891 |
Nonaccrual and past due loans by class at September 30, 2012 and December 31, 2011 were as follows:
| As of September 30, 2012
|  |  |  |  |  |  |  | (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 | $ | 53 | $ | 122 | $ | - | $ | 175 | $ | 20,111 | $ | 20,286 | $ | - | $ | 10
Commercial Real Estate: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Owner occupied |  | 1,145 |  | - |  | 592 |  | 1,737 |  | 88,974 |  | 90,711 |  | - |  | 733
Non-owner occupied |  | 1,176 |  | 371 |  | - |  | 1,547 |  | 38,014 |  | 39,561 |  | - |  | 660
Construction and Farmland: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Residential |  | - |  | - |  | - |  | - |  | 11,824 |  | 11,824 |  | - |  | -
Commercial |  | 27 |  | - |  | 638 |  | 665 |  | 28,681 |  | 29,346 |  | - |  | 776
Consumer: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Installment |  | 150 |  | 31 |  | 10 |  | 191 |  | 13,157 |  | 13,348 |  | 10 |  | -
Residential: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Equity lines |  | 243 |  | 390 |  | - |  | 633 |  | 32,141 |  | 32,774 |  | - |  | 443
Single family |  | 1,369 |  | 1,171 |  | 101 |  | 2,641 |  | 181,078 |  | 183,719 |  | - |  | 2,469
Multifamily |  | - |  | - |  | - |  | - |  | 2,811 |  | 2,811 |  | - |  | -
All Other Loans |  | 50 |  | - |  | - |  | 50 |  | 3,069 |  | 3,119 |  | - |  | -
Total | $ | 4,213 | $ | 2,085 | $ | 1,341 | $ | 7,639 | $ | 419,860 | $ | 427,499 | $ | 10 | $ | 5,091
| As of December 31, 2011
|  |  |  |  |  |  |  | (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 | $ | 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
Allowance for loan losses by segment at September 30, 2012 and December 31, 2011 were as follows:
|  | As of and for the Nine Months Ended September 30, 2012
|  | (in thousands )
|  | Co ns tructio n |  |  | Res idential |  |  | Co mmercial |  |  |  |  |  |  |  |  | All Other |  |  |  |  |  |  |
|  | and Farmland |  |  | Real Es tate |  |  | Real Es tate |  |  | Co mmercial |  |  | 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 | $ | 2,618 |  | $ | 3,544 |  | $ | 1,057 |  | $ | 1,077 |  | $ | 131 |  | $ | 123 |  | $ | 193 |  | $ | 8,743 |
Charge-Offs |  | (1,303 | ) |  | (508 | ) |  | (660 | ) |  | (50 | ) |  | (103 | ) |  | (23 | ) |  | - |  |  | (2,647 | )
Reco veries |  | 3 |  |  | 60 |  |  | 58 |  |  | 30 |  |  | 57 |  |  | 7 |  |  | - |  |  | 215 |
P ro vis io n |  | 212 |  |  | 361 |  |  | 1,681 |  |  | (216 | ) |  | 35 |  |  | 6 |  |  | (429 | ) |  | 1,650 |
Ending balance | $ | 1,530 |  | $ | 3,457 |  | $ | 2,136 |  | $ | 841 |  | $ | 120 |  | $ | 113 |  | $ | (236 | ) | $ | 7,961 |
Ending balance: Individually |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
evaluated fo r impairment | $ | 141 |  | $ | 2,005 |  | $ | 740 |  | $ | 475 |  | $ | - |  | $ | - |  | $ | - |  | $ | 3,361 |
Ending balance: co llectively |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
evaluated fo r impairment | $ | 1,389 |  | $ | 1,452 |  | $ | 1,396 |  | $ | 366 |  | $ | 120 |  | $ | 113 |  | $ | (236 | ) | $ | 4,600 |
F ina nc ing re c e iv a ble s : |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Ending balance | $ | 41,170 |  | $ | 219,304 |  | $ | 130,272 |  | $ | 20,286 |  | $ | 13,348 |  | $ | 3,119 |  | $ | - |  | $ | 427,499 |
Ending balance individually |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
evaluated fo r impairment | $ | 1,982 |  | $ | 8,823 |  | $ | 6,220 |  | $ | 713 |  | $ | - |  | $ | - |  | $ | - |  | $ | 17,738 |
Ending balance co llectively evaluated |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
fo r impairment | $ | 39,188 |  | $ | 210,481 |  | $ | 124,052 |  | $ | 19,573 |  | $ | 13,348 |  | $ | 3,119 |  | $ | - |  | $ | 409,761 |
| A s o f a nd fo r the Twe lv e M o nths 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 |  |  |  |  |  |
| and Farmland |  |  | Real Es tate |  |  | Real Es tate |  | Co mmercial |  | 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 |
Impaired loans by class at September 30, 2012 and December 31, 2011 were as follows:
| As of September 30, 2012
| (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 |  | 2,129 |  | 2,134 |  | - |  | 3,224 |  | 110
Non-owner occupied |  | 2,121 |  | 2,127 |  | - |  | 2,139 |  | 102
Construction and Farmland: |  |  |  |  |  |  |  |  |  |
Residential |  | - |  | - |  | - |  | - |  | -
Commercial |  | 1,757 |  | 1,759 |  | - |  | 2,423 |  | 38
Residential: |  |  |  |  |  |  |  |  |  |
Equity lines |  | 167 |  | 167 |  | - |  | 189 |  | -
Single family |  | 3,847 |  | 3,856 |  | - |  | 4,164 |  | 108
Multifamily |  | - |  | - |  | - |  | - |  | -
All Other Loans |  | - |  | - |  | - |  | - |  | -
| $ | 10,021 | $ | 10,043 | $ | - | $ | 12,139 | $ | 358
With an allowance recorded: |  |  |  |  |  |  |  |  |  |
Commercial - Non Real Estate: |  |  |  |  |  |  |  |  |  |
Commercial & Industrial | $ | 713 | $ | 718 | $ | 475 | $ | 744 | $ | 31
Commercial Real Estate: |  |  |  |  |  |  |  |  |  |
Owner occupied |  | - |  | - |  | - |  | - |  | -
Non-owner occupied |  | 1,970 |  | 1,973 |  | 740 |  | 1,980 |  | 37
Construction and Farmland: |  |  |  |  |  |  |  |  |  |
Residential |  | - |  | - |  | - |  | - |  | -
Commercial |  | 225 |  | 226 |  | 141 |  | 227 |  | 7
Residential: |  |  |  |  |  |  |  |  |  |
Equity lines |  | 615 |  | 617 |  | 344 |  | 621 |  | 8
Single family |  | 4,194 |  | 4,202 |  | 1,661 |  | 4,354 |  | 164
Multifamily |  | - |  | - |  | - |  | - |  | -
All Other Loans |  | - |  | - |  | - |  | - |  | -
| $ | 7,717 | $ | 7,736 | $ | 3,361 | $ | 7,926 | $ | 247
Total: |  |  |  |  |  |  |  |  |  |
Commercial | $ | 713 | $ | 718 | $ | 475 | $ | 744 | $ | 31
Commercial Real Estate |  | 6,220 |  | 6,234 |  | 740 |  | 7,343 |  | 249
Construction and Farmland |  | 1,982 |  | 1,985 |  | 141 |  | 2,650 |  | 45
Residential |  | 8,823 |  | 8,842 |  | 2,005 |  | 9,328 |  | 280
Other |  | - |  | - |  | - |  | - |  | -
Total | $ | 17,738 | $ | 17,779 | $ | 3,361 | $ | 20,065 | $ | 605
The average recorded investment of impaired loans for the three month period ended September 30, 2012 was $19.7 million. The interest income recognized on impaired loans for the three months ended September 30, 2012 was $210 thousand.
| 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 |  | - |  | - |  | - |  | - |  | -
All 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 |  | - |  | - |  | - |  | - |  | -
All 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
When the ultimate collectability of the total principal of an impaired loan is in doubt and the loan is in nonaccrual status, all payments are applied to principal under the cost-recovery method. For financial statement purposes, the recorded investment in nonaccrual loans is the actual principal balance reduced by payments that would otherwise have been applied to interest. When reporting information on these loans to the applicable customers, the unpaid principal balance is reported as if payments were applied to principal and interest under the original terms of the loan agreements. Therefore, the unpaid principal balance reported to the customer would be higher than the recorded investment in the loan for financial statement purposes. When the ultimate collectability of the total principal of the impaired loan is not in doubt and the loan is in nonaccrual status, contractual interest is credited to interest income when received under the cash-basis method. 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 potential 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 September 30, 2012 and December 31, 2011 was as follows:
| A s o f S e pte m be r 3 0 , 2 0 12
| (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 | $ | 15,197 | $ | 2,435 | $ | 599 | $ | 2,055 | $ | - | $ | - | $ | 20,286
Co mmercial Real Es tate: |  |  |  |  |  |  |  |  |  |  |  |  |  |
Owner Occupied |  | 73,826 |  | 6,592 |  | 5,776 |  | 3,784 |  | 733 |  | - |  | 90,711
No n-o wner o ccupied |  | 23,927 |  | 5,335 |  | 2,085 |  | 7,843 |  | 371 |  | - |  | 39,561
Co ns tructio n and Farmland: |  |  |  |  |  |  |  |  |  |  |  |  |  |
Res idential |  | 11,416 |  | 408 |  | - |  | - |  | - |  | - |  | 11,824
Co mmercial |  | 21,458 |  | 2,042 |  | 797 |  | 4,410 |  | 639 |  | - |  | 29,346
Res idential: |  |  |  |  |  |  |  |  |  |  |  |  |  |
Equity Lines |  | 31,150 |  | 251 |  | 194 |  | 931 |  | 248 |  | - |  | 32,774
Single family |  | 150,445 |  | 9,674 |  | 11,496 |  | 11,582 |  | 522 |  | - |  | 183,719
Multifamily |  | 1,904 |  | 907 |  | - |  | - |  | - |  | - |  | 2,811
All o ther lo ans |  | 3,119 |  | - |  | - |  | - |  | - |  | - |  | 3,119
To tal | $ | 332,442 | $ | 27,644 | $ | 20,947 | $ | 30,605 | $ | 2,513 | $ | - | $ | 414,151
|  | P erfo rming |  | No nperfo rming
Co ns umer Credit Expo s ure by |  |  |  |
P ayment Activity | $ | 13,157 | $ | 191
|  |  |  |  |  | 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

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