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Allowance For Loan Losses | 3 Months Ended
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Mar. 31, 2013
Allowance For Loan Losses [Abstract] |
Allowance For Loan Losses | NOTE 5. Allowance for Loan Losses Changes in the allowance for loan losses for the three months ended March 31, 2013 and 2012 and the year ended December 31, 2012 were as follows:
|  | Three Months Ended |  |  | Year Ended |  |  | Three Months Ended |
|  | March 31, |  |  | December 31, |  |  | March 31, |
|  | 2013 |  |  | 2012 |  |  | 2012 |
|  |  |  |  | (in thousands) |  |  |  |
Balance, beginning | $ | 6,577 |  | $ | 8,743 |  | $ | 8,743 |
Provision charged to operating expense |  | 383 |  |  | 1,660 |  |  | 300 |
Recoveries added to the allowance |  | 42 |  |  | 337 |  |  | 81 |
Loan losses charged to the allowance |  | (42 | ) |  | (4,163 | ) |  | (237 | )
Balance, ending | $ | 6,960 |  | $ | 6,577 |  | $ | 8,887 |
Nonaccrual and past due loans by class at March 31, 2013 and December 31, 2012 were as follows:
|  |  |  |  |  |  |  | March 31, 2013 |  |  |  |  |  |
|  |  |  |  |  |  |  | (in thousands) |  |  |  |  |  |
|  |  |  |  |  |  |  |  |  |  |  |  |  | 90 or More |  |
|  | 30 - 59 |  | 60 - 89 |  | 90 or More |  |  |  |  |  |  |  | Days Past |  |
|  | Days |  | Days |  | Days |  | Total Past |  |  |  |  |  | Due Still |  | Nonaccrual
|  | Past Due |  | Past Due |  | Past Due |  | Due |  | Current |  | Total Loans |  | Accruing |  | Loans
Commercial - Non Real Estate: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial & Industrial | $ | 35 | $ | — | $ | 549 | $ | 584 | $ | 20,813 | $ | 21,397 | $ | 319 | $ | 230
Commercial Real Estate: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Owner Occupied |  | 1,009 |  | 252 |  | — |  | 1,261 |  | 90,451 |  | 91,712 |  | — |  | 85
Non-owner occupied |  | 1,166 |  | 576 |  | — |  | 1,742 |  | 42,381 |  | 44,123 |  | — |  | 203
Construction and Farmland: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Residential |  | 99 |  | — |  | — |  | 99 |  | 4,617 |  | 4,716 |  | — |  | —
Commercial |  | 92 |  | — |  | — |  | 92 |  | 26,643 |  | 26,735 |  | — |  | 125
Consumer: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Installment |  | 144 |  | 17 |  | 3 |  | 164 |  | 12,999 |  | 13,163 |  | 3 |  | —
Residential: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Equity |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Lines |  | 825 |  | 40 |  | 65 |  | 930 |  | 30,496 |  | 31,426 |  | 65 |  | 278
Single |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
family |  | 4,230 |  | 1,402 |  | 375 |  | 6,007 |  | 178,228 |  | 184,235 |  | 244 |  | 1,796
Multifamily |  | — |  | — |  | — |  | — |  | 2,812 |  | 2,812 |  | — |  | —
All Other Loans |  | — |  | — |  | — |  | — |  | 3,531 |  | 3,531 |  | — |  | —
Total | $ | 7,600 | $ | 2,287 | $ | 992 | $ | 10,879 | $ | 412,971 | $ | 423,850 | $ | 631 | $ | 2,717
|  |  |  |  |  |  |  | December 31, 2012 |  |  |  |  |  |
|  |  |  |  |  |  |  | (in thousands) |  |  |  |  |  |
|  |  |  |  |  |  |  |  |  |  |  |  |  | 90 or More |  |
|  | 30 - 59 |  | 60 - 89 |  | 90 or More |  |  |  |  |  |  |  | Past Due |  |
|  | Days |  | Days |  | Days |  | Total Past |  |  |  |  |  | Still |  | Nonaccrual
|  | Past Due |  | Past Due |  | Past Due |  | Due |  | Current |  | Total Loans |  | Accruing |  | Loans
Commercial - Non Real Estate: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial & Industrial | $ | 822 | $ | 225 | $ | — | $ | 1,047 | $ | 20,593 | $ | 21,640 | $ | — | $ | 230
Commercial Real Estate: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Owner Occupied |  | 610 |  | 374 |  | 90 |  | 1,074 |  | 84,090 |  | 85,164 |  | — |  | 90
Non-owner occupied |  | 234 |  | 582 |  | — |  | 816 |  | 38,402 |  | 39,218 |  | — |  | 209
Construction and Farmland: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Residential |  | — |  | — |  | — |  | — |  | 9,706 |  | 9,706 |  | — |  | —
Commercial |  | 93 |  | 44 |  | — |  | 137 |  | 28,033 |  | 28,170 |  | — |  | 131
Consumer: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Installment |  | 116 |  | 10 |  | 9 |  | 135 |  | 13,172 |  | 13,307 |  | 9 |  | —
Residential: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Equity Lines |  | 109 |  | — |  | — |  | 109 |  | 31,593 |  | 31,702 |  | — |  | 287
Single family |  | 4,059 |  | 733 |  | 524 |  | 5,316 |  | 177,601 |  | 182,917 |  | 199 |  | 1,467
Multifamily |  | — |  | — |  | — |  | — |  | 2,808 |  | 2,808 |  | — |  | —
All Other Loans |  | — |  | — |  | — |  | — |  | 3,465 |  | 3,465 |  | — |  | —
Total | $ | 6,043 | $ | 1,968 | $ | 623 | $ | 8,634 | $ | 409,463 | $ | 418,097 | $ | 208 | $ | 2,414
Allowance for loan losses by segment at March 31, 2013 and December 31, 2012 were as follows:
|  |  |  |  |  |  |  | As of and for the Three Months Ended |  |  |  |  |  |  |
|  |  |  |  |  |  |  |  |  |  | March 31, 2013 |  |  |  |  |  |  |  |  |
|  |  |  |  |  |  |  |  |  |  | (in thousands) |  |  |  |  |  |  |  |  |
|  | Construction |  |  | Residential |  |  | Commercial |  |  |  |  |  |  |  |  | All Other |  |  |  |  |  |
|  | and Farmland |  |  | Real Estate |  |  | Real Estate |  | Commercial |  |  | Consumer |  |  | Loans |  |  | Unallocated |  | Total |
Allowance for credit losses: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Beginning Balance | $ | 1,280 |  | $ | 2,820 |  | $ | 1,182 |  | $ | 880 |  | $ | 107 |  | $ | 122 |  | $ | 186 | $ | 6,577 |
Charge-Offs |  | — |  |  | — |  |  | — |  |  | (14 | ) |  | (23 | ) |  | (5 | ) |  | — |  | (42 | )
Recoveries |  | 1 |  |  | 3 |  |  | 1 |  |  | 16 |  |  | 17 |  |  | 4 |  |  | — |  | 42 |
Provision |  | (428 | ) |  | (26 | ) |  | 62 |  |  | (111 | ) |  | (12 | ) |  | 13 |  |  | 885 |  | 383 |
Ending balance | $ | 853 |  | $ | 2,797 |  | $ | 1,245 |  | $ | 771 |  | $ | 89 |  | $ | 134 |  | $ | 1,071 | $ | 6,960 |
evaluated Ending balance: for impairmentIndividually | $ | 139 |  | $ | 1,179 |  | $ | 298 |  | $ | 630 |  | $ | — |  | $ | — |  | $ | — | $ | 2,246 |
evaluated Ending balance: for impairmentcollectively | $ | 714 |  | $ | 1,618 |  | $ | 947 |  | $ | 141 |  | $ | 89 |  | $ | 134 |  | $ | 1,071 | $ | 4,714 |
Financing receivables: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Ending balance | $ | 31,451 |  | $ | 218,473 |  | $ | 135,835 | $ | 21,397 |  | $ | 13,163 |  | $ | 3,531 |  | $ | — | $ | 423,850 |
Ending balance individually |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
evaluated for impairment | $ | 1,308 |  | $ | 7,777 |  | $ | 5,064 |  | $ | 868 |  | $ | — |  | $ | — |  | $ | — | $ | 15,017 |
Ending balance collectively |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
evaluated for impairment | $ | 30,143 |  | $ | 210,696 |  | $ | 130,771 | $ | 20,529 |  | $ | 13,163 |  | $ | 3,531 |  | $ | — | $ | 408,833 |
|  |  |  |  |  |  |  | As of and for the Twelve Months Ended |  |  |  |  |  |  |
|  |  |  |  |  |  |  |  |  |  | December 31, 2012 |  |  |  |  |  |  |  |  |  |
|  |  |  |  |  |  |  |  |  |  | (in thousands) |  |  |  |  |  |  |  |  |  |
|  | Construction |  |  | Residential |  |  | Commercial |  |  |  |  |  |  |  |  | All Other |  |  |  |  |  |  |
|  | and Farmland |  |  | Real Estate |  |  | Real Estate |  | Commercial |  |  | Consumer |  |  | Loans |  |  | Unallocated |  |  | Total |
Allowance for credit losses: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Beginning Balance | $ | 2,618 |  | $ | 3,544 |  | $ | 1,057 |  | $ | 1,077 |  | $ | 131 |  | $ | 123 |  | $ | 193 |  | $ | 8,743 |
Charge-Offs |  | (1,313 | ) |  | (1,381 | ) |  | (1,118 | ) |  | (207 | ) |  | (116 | ) |  | (28 | ) |  | — |  |  | (4,163 | )
Recoveries |  | 4 |  |  | 67 |  |  | 146 |  |  | 36 |  |  | 73 |  |  | 11 |  |  | — |  |  | 337 |
Provision |  | (29 | ) |  | 590 |  |  | 1,097 |  |  | (26 | ) |  | 19 |  |  | 16 |  |  | (7 | ) |  | 1,660 |
Ending balance | $ | 1,280 |  | $ | 2,820 |  | $ | 1,182 |  | $ | 880 |  | $ | 107 |  | $ | 122 |  | $ | 186 |  | $ | 6,577 |
Ending balance: Individually |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
evaluated for impairment | $ | 141 |  | $ | 1,176 |  | $ | 305 |  | $ | 737 |  | $ | — |  | $ | — |  | $ | — |  | $ | 2,359 |
Ending balance: collectively |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
evaluated for impairment | $ | 1,139 |  | $ | 1,644 |  | $ | 877 |  | $ | 143 |  | $ | 107 |  | $ | 122 |  | $ | 186 |  | $ | 4,218 |
Financing receivables: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Ending balance | $ | 37,876 |  | $ | 217,427 |  | $ | 124,382 |  | $ | 21,640 |  | $ | 13,307 |  | $ | 3,465 |  | $ | — |  | $ | 418,097 |
Ending balance individually |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
evaluated for impairment | $ | 1,326 |  | $ | 7,695 |  | $ | 5,246 |  | $ | 985 |  | $ | — |  | $ | — |  | $ | — |  | $ | 15,252 |
Ending balance collectively |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
evaluated for impairment | $ | 36,550 |  | $ | 209,732 |  | $ | 119,136 |  | $ | 20,655 |  | $ | 13,307 |  | $ | 3,465 |  | $ | — |  | $ | 402,845 |
Impaired loans by class at March 31, 2013 and December 31, 2012 were as follows:
|  |  |  |  |  | As of |  |  |  |
|  |  |  |  |  | March 31, 2013 |  |  |  |
|  |  |  |  |  | (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 |  | 1,475 |  | 1,478 |  | — |  | 1,691 |  | 19
Non-owner occupied |  | 2,274 |  | 2,278 |  | — |  | 2,347 |  | 30
Construction and Farmland: |  |  |  |  |  |  |  |  |  |
Residential |  | — |  | — |  | — |  | — |  | —
Commercial |  | 1,085 |  | 1,087 |  | — |  | 1,111 |  | 9
Residential: |  |  |  |  |  |  |  |  |  |
Equity lines |  | 463 |  | 463 |  | — |  | 648 |  | 1
Single family |  | 3,911 |  | 3,920 |  | — |  | 5,079 |  | 27
Multifamily |  | — |  | — |  | — |  | — |  | —
Other Loans |  | — |  | — |  | — |  | — |  | —
| $ | 9,208 | $ | 9,226 | $ | — | $ | 10,876 | $ | 86
With an allowance recorded: |  |  |  |  |  |  |  |  |  |
Commercial - Non Real Estate: |  |  |  |  |  |  |  |  |  |
Commercial & Industrial | $ | 868 | $ | 877 | $ | 630 | $ | 963 | $ | 11
Commercial Real Estate: |  |  |  |  |  |  |  |  |  |
Owner Occupied |  | — |  | — |  | — |  | — |  | —
Non-owner occupied |  | 1,315 |  | 1,318 |  | 298 |  | 1,322 |  | 18
Construction and Farmland: |  |  |  |  |  |  |  |  |  |
Residential |  | — |  | — |  | — |  | — |  | —
Commercial |  | 223 |  | 224 |  | 139 |  | 225 |  | 2
Residential: |  |  |  |  |  |  |  |  |  |
Equity lines |  | 218 |  | 219 |  | 218 |  | 216 |  | 1
Single family |  | 3,185 |  | 3,195 |  | 961 |  | 3,202 |  | 37
Multifamily |  | — |  | — |  | — |  | — |  | —
Other Loans |  | — |  | — |  | — |  | — |  | —
| $ | 5,809 | $ | 5,833 | $ | 2,246 | $ | 5,928 | $ | 69
Total: |  |  |  |  |  |  |  |  |  |
Commercial | $ | 868 | $ | 877 | $ | 630 | $ | 963 | $ | 11
Commercial Real Estate |  | 5,064 |  | 5,074 |  | 298 |  | 5,360 |  | 67
Construction and Farmland |  | 1,308 |  | 1,311 |  | 139 |  | 1,336 |  | 11
Residential |  | 7,777 |  | 7,797 |  | 1,179 |  | 9,145 |  | 66
Other |  | — |  | — |  | — |  | — |  | —
Total | $ | 15,017 | $ | 15,059 | $ | 2,246 | $ | 16,804 | $ | 155
|  |  |  |  |  | As of |  |  |  |
|  |  |  |  |  | December 31, 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 |  | 1,632 |  | 1,636 |  | — |  | 2,323 |  | 130
Non-owner occupied |  | 2,290 |  | 2,296 |  | — |  | 2,378 |  | 147
Construction and Farmland: |  |  |  |  |  |  |  |  |  |
Residential |  | — |  | — |  | — |  | — |  | —
Commercial |  | 1,102 |  | 1,103 |  | — |  | 1,159 |  | 18
Residential: |  |  |  |  |  |  |  |  |  |
Equity lines |  | 287 |  | 287 |  | — |  | 469 |  | 1
Single family |  | 4,406 |  | 4,417 |  | — |  | 5,683 |  | 210
Multifamily |  | — |  | — |  | — |  | — |  | —
Other Loans |  | — |  | — |  | — |  | — |  | —
| $ | 9,717 | $ | 9,739 | $ | — | $ | 12,012 | $ | 506
With an allowance recorded: |  |  |  |  |  |  |  |  |  |
Commercial - Non Real Estate: |  |  |  |  |  |  |  |  |  |
Commercial & Industrial | $ | 985 | $ | 994 | $ | 737 | $ | 1,062 | $ | 53
Commercial Real Estate: |  |  |  |  |  |  |  |  |  |
Owner Occupied |  | — |  | — |  | — |  | — |  | —
Non-owner occupied |  | 1,324 |  | 1,327 |  | 305 |  | 1,337 |  | 38
Construction and Farmland: |  |  |  |  |  |  |  |  |  |
Residential |  | — |  | — |  | — |  | — |  | —
Commercial |  | 224 |  | 225 |  | 141 |  | 227 |  | 9
Residential: |  |  |  |  |  |  |  |  |  |
Equity lines |  | 358 |  | 359 |  | 252 |  | 366 |  | 12
Single family |  | 2,644 |  | 2,652 |  | 924 |  | 2,674 |  | 125
Multifamily |  | — |  | — |  | — |  | — |  | —
Other Loans |  | — |  | — |  | — |  | — |  | —
| $ | 5,535 | $ | 5,557 | $ | 2,359 | $ | 5,666 | $ | 237
Total: |  |  |  |  |  |  |  |  |  |
Commercial | $ | 985 | $ | 994 | $ | 737 | $ | 1,062 | $ | 53
Commercial Real Estate |  | 5,246 |  | 5,259 |  | 305 |  | 6,038 |  | 315
Construction and Farmland |  | 1,326 |  | 1,328 |  | 141 |  | 1,386 |  | 27
Residential |  | 7,695 |  | 7,715 |  | 1,176 |  | 9,192 |  | 348
Other |  | — |  | — |  | — |  | — |  | —
Total | $ | 15,252 | $ | 15,296 | $ | 2,359 | $ | 17,678 | $ | 743
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 March 31, 2013 and December 31, 2012 was as follows:
|  |  |  |  |  |  |  | As of |  |  |  |  |  |
|  |  |  |  |  |  |  | March 31, 2013 |  |  |  |  |  |
|  |  |  |  |  |  |  | (in thousands) |  |  |  |  |  |
|  |  |  |  |  | Special |  |  |  |  |  |  |  |
INTERNAL RISK RATING GRADES |  | Pass |  | Watch |  | Mention |  | Substandard |  | Doubtful |  | Loss |  | Total
Commercial - Non Real Estate: |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial & Industrial | $ | 16,039 | $ | 2,197 | $ | 1,007 | $ | 1,924 | $ | 230 | $ | — | $ | 21,397
Commercial Real Estate: |  |  |  |  |  |  |  |  |  |  |  |  |  |
Owner Occupied |  | 79,054 |  | 6,700 |  | 1,984 |  | 3,889 |  | 85 |  | — |  | 91,712
Non-owner occupied |  | 29,785 |  | 3,508 |  | 4,063 |  | 6,767 |  | — |  | — |  | 44,123
Construction and Farmland: |  |  |  |  |  |  |  |  |  |  |  |  |  |
Residential |  | 4,558 |  | 158 |  | — |  | — |  | — |  | — |  | 4,716
Commercial |  | 20,143 |  | 1,885 |  | 349 |  | 4,358 |  | — |  | — |  | 26,735
Residential: |  |  |  |  |  |  |  |  |  |  |  |  |  |
Equity Lines |  | 29,683 |  | 564 |  | 379 |  | 706 |  | 94 |  | — |  | 31,426
Single family |  | 150,384 |  | 12,285 |  | 10,030 |  | 10,919 |  | 617 |  | — |  | 184,235
Multifamily |  | 1,916 |  | 896 |  | — |  | — |  | — |  | — |  | 2,812
All other loans |  | 3,531 |  | — |  | — |  | — |  | — |  | — |  | 3,531
Total | $ | 335,093 | $ | 28,193 | $ | 17,812 | $ | 28,563 | $ | 1,026 | $ | — | $ | 410,687
|  | Performing |  | Nonperforming
Consumer Credit Exposure by Payment Activity | $ | 12,999 | $ | 164
|  |  |  |  |  |  |  | As of |  |  |  |  |  |
|  |  |  |  |  |  |  | December 31, 2012 |  |  |  |  |
|  |  |  |  |  |  |  | (in thousands) |  |  |  |  |  |
|  |  |  |  |  | Special |  |  |  |  |  |  |  |
INTERNAL RISK RATING GRADES |  | Pass |  | Watch |  | Mention |  | Substandard |  | Doubtful |  | Loss |  | Total
Commercial - Non Real Estate: |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial & Industrial | $ | 16,132 | $ | 2,289 | $ | 1,099 | $ | 1,891 | $ | 229 | $ | — | $ | 21,640
Commercial Real Estate: |  |  |  |  |  |  |  |  |  |  |  |  |  |
Owner Occupied |  | 72,916 |  | 6,503 |  | 1,737 |  | 3,918 |  | 90 |  | — |  | 85,164
Non-owner occupied |  | 22,810 |  | 5,303 |  | 4,332 |  | 6,773 |  | — |  | — |  | 39,218
Construction and Farm land: |  |  |  |  |  |  |  |  |  |  |  |  |  |
Residential |  | 9,548 |  | 158 |  | — |  | — |  | — |  | — |  | 9,706
Commercial |  | 21,155 |  | 1,777 |  | 854 |  | 4,384 |  | — |  | — |  | 28,170
Residential: |  |  |  |  |  |  |  |  |  |  |  |  |  |
Equity Lines |  | 30,165 |  | 426 |  | 172 |  | 843 |  | 96 |  | — |  | 31,702
Single family |  | 148,904 |  | 12,048 |  | 10,672 |  | 10,780 |  | 513 |  | — |  | 182,917
Multifamily |  | 1,905 |  | 903 |  | — |  | — |  | — |  | — |  | 2,808
All other loans |  | 3,465 |  | — |  | — |  | — |  | — |  | — |  | 3,465
Total | $ | 327,000 | $ | 29,407 | $ | 18,866 | $ | 28,589 | $ | 928 | $ | — | $ | 404,790
|  | Performing |  | Nonperforming
Consumer Credit Exposure by Payment Activity | $ | 13,172 | $ | 135

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