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Allowance For Loan Losses | 9 Months Ended
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Sep. 30, 2014
Allowance for Loan and Lease Losses, Adjustments, Net [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, 2014 and 2013 and the year ended December 31, 2013 were as follows:
| Nine Months Ended |  | Year Ended |  | Nine Months Ended
| September 30, |  | December 31, |  | September 30,
| 2014 |  | 2013 |  | 2013
|  |  | (in thousands) |  |
Balance, beginning | $ | 5,488 |  |  | $ | 6,577 |  |  | $ | 6,577 |
Provision charged to operating expense | — |  |  | — |  |  | 767 |
Recoveries added to the allowance | 614 |  |  | 233 |  |  | 204 |
Loan losses charged to the allowance | (515 | ) |  | (1,322 | ) |  | (830 | )
Balance, ending | $ | 5,587 |  |  | $ | 5,488 |  |  | $ | 6,718 |
Nonaccrual and past due loans by class at September 30, 2014 and December 31, 2013 were as follows:
| September 30, 2014
| (in thousands)
| 30 - 59 Days Past Due |  | 60 - 89 Days Past Due |  | 90 or More Days Past Due |  | Total Past Due |  | Current |  | Total Loans |  | 90 or More Days Past Due Still Accruing |  | Nonaccrual Loans
Commercial - Non Real Estate: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial & Industrial | $ | 43 |  |  | $ | 1,053 |  |  | $ | 100 |  |  | $ | 1,196 |  |  | $ | 28,512 |  |  | $ | 29,708 |  |  | $ | — |  |  | $ | 1,736 |
Commercial Real Estate: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Owner Occupied | 3,276 |  |  | 739 |  |  | 608 |  |  | 4,623 |  |  | 95,127 |  |  | 99,750 |  |  | — |  |  | 2,485 |
Non-owner occupied | 631 |  |  | — |  |  | 813 |  |  | 1,444 |  |  | 57,290 |  |  | 58,734 |  |  | — |  |  | 1,243 |
Construction and Farmland: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Residential | — |  |  | — |  |  | — |  |  | — |  |  | 5,837 |  |  | 5,837 |  |  | — |  |  | — |
Commercial | 424 |  |  | 16 |  |  | 80 |  |  | 520 |  |  | 32,256 |  |  | 32,776 |  |  | 16 |  |  | 462 |
Consumer: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Installment | 60 |  |  | 2 |  |  | — |  |  | 62 |  |  | 13,234 |  |  | 13,296 |  |  | — |  |  | — |
Residential: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Equity Lines | 63 |  |  | 121 |  |  | 179 |  |  | 363 |  |  | 30,570 |  |  | 30,933 |  |  | — |  |  | 329 |
Single family | 1,526 |  |  | 348 |  |  | 345 |  |  | 2,219 |  |  | 186,463 |  |  | 188,682 |  |  |  |  |  | 2,373 |
Multifamily | — |  |  | — |  |  | — |  |  | — |  |  | 3,050 |  |  | 3,050 |  |  | — |  |  | — |
All Other Loans | — |  |  | — |  |  | — |  |  | — |  |  | 2,302 |  |  | 2,302 |  |  | — |  |  | — |
Total | $ | 6,023 |  |  | $ | 2,279 |  |  | $ | 2,125 |  |  | $ | 10,427 |  |  | $ | 454,641 |  |  | $ | 465,068 |  |  | $ | 16 |  |  | $ | 8,628 |
| December 31, 2013
| (in thousands)
| 30 - 59 Days Past Due |  | 60 - 89 Days Past Due |  | 90 or More Days Past Due |  | Total Past Due |  | Current |  | Total Loans |  | 90 or More Past Due Still Accruing |  | Nonaccrual Loans
Commercial - Non Real Estate: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial & Industrial | $ | 143 |  |  | $ | — |  |  | $ | 1,162 |  |  | $ | 1,305 |  |  | $ | 19,560 |  |  | $ | 20,865 |  |  | $ | — |  |  | $ | 1,288 |
Commercial Real Estate: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Owner Occupied | 364 |  |  | — |  |  | 1,270 |  |  | 1,634 |  |  | 90,811 |  |  | 92,445 |  |  | — |  |  | 1,269 |
Non-owner occupied | 99 |  |  | 185 |  |  | — |  |  | 284 |  |  | 55,437 |  |  | 55,721 |  |  | — |  |  | 185 |
Construction and Farmland: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Residential | — |  |  | — |  |  | — |  |  | — |  |  | 7,860 |  |  | 7,860 |  |  | — |  |  | — |
Commercial | — |  |  | — |  |  | — |  |  | — |  |  | 29,073 |  |  | 29,073 |  |  | — |  |  | 157 |
Consumer: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Installment | 95 |  |  | 9 |  |  | 11 |  |  | 115 |  |  | 13,670 |  |  | 13,785 |  |  | 11 |  |  | 6 |
Residential: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Equity Lines | 202 |  |  | 25 |  |  | — |  |  | 227 |  |  | 31,997 |  |  | 32,224 |  |  | — |  |  | 179 |
Single family | 1,995 |  |  | 180 |  |  | 693 |  |  | 2,868 |  |  | 183,541 |  |  | 186,409 |  |  | — |  |  | 1,328 |
Multifamily | — |  |  | — |  |  | — |  |  | — |  |  | 2,850 |  |  | 2,850 |  |  | — |  |  | — |
All Other Loans | — |  |  | — |  |  | — |  |  | — |  |  | 3,041 |  |  | 3,041 |  |  | — |  |  | — |
Total | $ | 2,898 |  |  | $ | 399 |  |  | $ | 3,136 |  |  | $ | 6,433 |  |  | $ | 437,840 |  |  | $ | 444,273 |  |  | $ | 11 |  |  | $ | 4,412 |
Allowance for loan losses by segment at September 30, 2014 and December 31, 2013 were as follows:
| As of and for the Nine Months Ended
| September 30, 2014
| (in thousands)
| Construction and Farmland |  | Residential Real Estate |  | Commercial Real Estate |  | Commercial |  | Consumer |  | All Other Loans |  | Unallocated |  | Total
Allowance for credit losses: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Beginning Balance | $ | 1,032 |  |  | $ | 2,225 |  |  | $ | 1,337 |  |  | $ | 555 |  |  | $ | 102 |  |  | $ | 82 |  |  | $ | 155 |  |  | $ | 5,488 |
Charge-Offs | — |  |  | (435 | ) |  | — |  |  | — |  |  | (65 | ) |  | (15 | ) |  | — |  |  | (515 | )
Recoveries | 4 |  |  | 9 |  |  | 379 |  |  | 148 |  |  | 71 |  |  | 3 |  |  | — |  |  | 614 |
Provision | (143 | ) |  | 76 |  |  | (312 | ) |  | 200 |  |  | (2 | ) |  | (27 | ) |  | 208 |  |  | — |
Ending balance | $ | 893 |  |  | $ | 1,875 |  |  | $ | 1,404 |  |  | $ | 903 |  |  | $ | 106 |  |  | $ | 43 |  |  | $ | 363 |  |  | $ | 5,587 |
Ending balance: Individually evaluated for impairment | $ | 63 |  |  | $ | 243 |  |  | $ | 280 |  |  | $ | 414 |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | 1,000 |
Ending balance: collectively evaluated for impairment | $ | 830 |  |  | $ | 1,632 |  |  | $ | 1,124 |  |  | $ | 489 |  |  | $ | 106 |  |  | $ | 43 |  |  | $ | 363 |  |  | $ | 4,587 |
Financing receivables: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Ending balance | $ | 38,613 |  |  | $ | 222,665 |  |  | $ | 158,484 |  |  | $ | 29,708 |  |  | $ | 13,296 |  |  | $ | 2,302 |  |  | $ | — |  |  | $ | 465,068 |
Ending balance individually evaluated for impairment | $ | 2,828 |  |  | $ | 3,648 |  |  | $ | 4,417 |  |  | $ | 1,736 |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | 12,629 |
Ending balance collectively evaluated for impairment | $ | 35,785 |  |  | $ | 219,017 |  |  | $ | 154,067 |  |  | $ | 27,972 |  |  | $ | 13,296 |  |  | $ | 2,302 |  |  | $ | — |  |  | $ | 452,439 |
| As of and for the Twelve Months Ended
| December 31, 2013
| (in thousands)
| Construction and Farmland |  | Residential Real Estate |  | Commercial Real Estate |  | Commercial |  | Consumer |  | All Other Loans |  | Unallocated |  | Total
Allowance for credit losses: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Beginning Balance | $ | 1,280 |  |  | $ | 2,820 |  |  | $ | 1,182 |  |  | $ | 880 |  |  | $ | 107 |  |  | $ | 122 |  |  | $ | 186 |  |  | $ | 6,577 |
Charge-Offs | (20 | ) |  | (507 | ) |  | (289 | ) |  | (403 | ) |  | (85 | ) |  | (18 | ) |  | — |  |  | (1,322 | )
Recoveries | 5 |  |  | 109 |  |  | 7 |  |  | 47 |  |  | 54 |  |  | 11 |  |  | — |  |  | 233 |
Provision | (233 | ) |  | (197 | ) |  | 437 |  |  | 31 |  |  | 26 |  |  | (33 | ) |  | (31 | ) |  | — |
Ending balance | $ | 1,032 |  |  | $ | 2,225 |  |  | $ | 1,337 |  |  | $ | 555 |  |  | $ | 102 |  |  | $ | 82 |  |  | $ | 155 |  |  | $ | 5,488 |
Ending balance: Individually evaluated for impairment | $ | 218 |  |  | $ | 627 |  |  | $ | 299 |  |  | $ | 334 |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | 1,478 |
Ending balance: collectively evaluated for impairment | $ | 814 |  |  | $ | 1,598 |  |  | $ | 1,038 |  |  | $ | 221 |  |  | $ | 102 |  |  | $ | 82 |  |  | $ | 155 |  |  | $ | 4,010 |
Financing receivables: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Ending balance | $ | 36,933 |  |  | $ | 221,483 |  |  | $ | 148,166 |  |  | $ | 20,865 |  |  | $ | 13,785 |  |  | $ | 3,041 |  |  | $ | — |  |  | $ | 444,273 |
Ending balance individually evaluated for impairment | $ | 2,674 |  |  | $ | 4,922 |  |  | $ | 4,750 |  |  | $ | 1,347 |  |  | $ | — |  |  | $ | 6 |  |  | $ | — |  |  | $ | 13,699 |
Ending balance collectively evaluated for impairment | $ | 34,259 |  |  | $ | 216,561 |  |  | $ | 143,416 |  |  | $ | 19,518 |  |  | $ | 13,785 |  |  | $ | 3,035 |  |  | $ | — |  |  | $ | 430,574 |
Impaired loans by class at September 30, 2014 and December 31, 2013 were as follows:
| As of
| September 30, 2014
| (in thousands)
| Unpaid Principal Balance |  | Recorded Investment |  | Related Allowance |  | Average Recorded Investment |  | Interest Income Recognized
With no related allowance: |  |  |  |  |  |  |  |  |
Commercial - Non Real Estate: |  |  |  |  |  |  |  |  |
Commercial & Industrial | $ | 480 |  |  | $ | 481 |  |  | $ | — |  |  | $ | 520 |  |  | $ | 6 |
Commercial Real Estate: |  |  |  |  |  |  |  |  |
Owner Occupied | 2,237 |  |  | 2,237 |  |  | — |  |  | 2,558 |  |  | 31 |
Non-owner occupied | 858 |  |  | 859 |  |  | — |  |  | 1,083 |  |  | 31 |
Construction and Farmland: |  |  |  |  |  |  |  |  |
Residential | — |  |  | — |  |  | — |  |  | — |  |  | — |
Commercial | 2,472 |  |  | 2,483 |  |  | — |  |  | 2,505 |  |  | 74 |
Residential: |  |  |  |  |  |  |  |  |
Equity lines | 140 |  |  | 140 |  |  | — |  |  | 312 |  |  | 1 |
Single family | 2,701 |  |  | 2,702 |  |  | — |  |  | 4,320 |  |  | 82 |
Multifamily | — |  |  | — |  |  | — |  |  | — |  |  | — |
Other Loans | — |  |  | — |  |  | — |  |  | — |  |  | — |
| $ | 8,888 |  |  | $ | 8,902 |  |  | $ | — |  |  | $ | 11,298 |  |  | $ | 225 |
With an allowance recorded: |  |  |  |  |  |  |  |  |
Commercial - Non Real Estate: |  |  |  |  |  |  |  |  |
Commercial & Industrial | $ | 1,256 |  |  | $ | 1,256 |  |  | $ | 414 |  |  | $ | 1,550 |  |  | $ | 3 |
Commercial Real Estate: |  |  |  |  |  |  |  |  |
Owner Occupied | 461 |  |  | 461 |  |  | 34 |  |  | 462 |  |  | 11 |
Non-owner occupied | 861 |  |  | 861 |  |  | 246 |  |  | 880 |  |  | 9 |
Construction and Farmland: |  |  |  |  |  |  |  |  |
Residential | — |  |  | — |  |  | — |  |  | — |  |  | — |
Commercial | 356 |  |  | 356 |  |  | 63 |  |  | 395 |  |  | 3 |
Residential: |  |  |  |  |  |  |  |  |
Equity lines | 189 |  |  | 189 |  |  | 113 |  |  | 338 |  |  | 2 |
Single family | 618 |  |  | 620 |  |  | 130 |  |  | 630 |  |  | 18 |
Multifamily | — |  |  | — |  |  | — |  |  | — |  |  | — |
Other Loans | — |  |  | — |  |  | — |  |  | — |  |  | — |
| $ | 3,741 |  |  | $ | 3,743 |  |  | $ | 1,000 |  |  | $ | 4,255 |  |  | $ | 46 |
Total: |  |  |  |  |  |  |  |  |
Commercial | $ | 1,736 |  |  | $ | 1,737 |  |  | $ | 414 |  |  | $ | 2,070 |  |  | $ | 9 |
Commercial Real Estate | 4,417 |  |  | 4,418 |  |  | 280 |  |  | 4,983 |  |  | 82 |
Construction and Farmland | 2,828 |  |  | 2,839 |  |  | 63 |  |  | 2,900 |  |  | 77 |
Residential | 3,648 |  |  | 3,651 |  |  | 243 |  |  | 5,600 |  |  | 103 |
Other | — |  |  | — |  |  | — |  |  | — |  |  | — |
Total | $ | 12,629 |  |  | $ | 12,645 |  |  | $ | 1,000 |  |  | $ | 15,553 |  |  | $ | 271 |
The average recorded investment of impaired loans for the three months ended September 30, 2014 was $15.3 million. The interest income recognized on impaired loans for the three months ended September 30, 2014 was $83 thousand.
| As of
| December 31, 2013
| (in thousands)
| Unpaid Principal Balance |  | Recorded Investment |  | Related Allowance |  | Average Recorded Investment |  | Interest Income Recognized
With no related allowance: |  |  |  |  |  |  |  |  |
Commercial - Non Real Estate: |  |  |  |  |  |  |  |  |
Commercial & Industrial | $ | 126 |  |  | $ | 145 |  |  | $ | — |  |  | $ | 329 |  |  | $ | 8 |
Commercial Real Estate: |  |  |  |  |  |  |  |  |
Owner Occupied | 2,246 |  |  | 2,273 |  |  | — |  |  | 2,512 |  |  | 118 |
Non-owner occupied | 1,396 |  |  | 1,398 |  |  | — |  |  | 1,498 |  |  | 91 |
Construction and Farmland: |  |  |  |  |  |  |  |  |
Residential | — |  |  | — |  |  | — |  |  | — |  |  | — |
Commercial | 2,392 |  |  | 2,401 |  |  | — |  |  | 2,420 |  |  | 97 |
Residential: |  |  |  |  |  |  |  |  |
Equity lines | 289 |  |  | 290 |  |  | — |  |  | 460 |  |  | 16 |
Single family | 3,060 |  |  | 3,100 |  |  | — |  |  | 3,531 |  |  | 146 |
Multifamily | — |  |  | — |  |  | — |  |  | — |  |  | — |
Other Loans | 6 |  |  | 6 |  |  | — |  |  | 7 |  |  | 1 |
| $ | 9,515 |  |  | $ | 9,613 |  |  | $ | — |  |  | $ | 10,757 |  |  | $ | 477 |
With an allowance recorded: |  |  |  |  |  |  |  |  |
Commercial - Non Real Estate: |  |  |  |  |  |  |  |  |
Commercial & Industrial | $ | 1,221 |  |  | $ | 1,221 |  |  | $ | 334 |  |  | $ | 1,271 |  |  | $ | 59 |
Commercial Real Estate: |  |  |  |  |  |  |  |  |
Owner Occupied | — |  |  | — |  |  | — |  |  | — |  |  | — |
Non-owner occupied | 1,108 |  |  | 1,111 |  |  | 299 |  |  | 1,126 |  |  | 49 |
Construction and Farmland: |  |  |  |  |  |  |  |  |
Residential | — |  |  | — |  |  | — |  |  | — |  |  | — |
Commercial | 282 |  |  | 283 |  |  | 218 |  |  | 308 |  |  | 18 |
Residential: |  |  |  |  |  |  |  |  |
Equity lines | 74 |  |  | 74 |  |  | 74 |  |  | 217 |  |  | 7 |
Single family | 1,499 |  |  | 1,508 |  |  | 553 |  |  | 1,530 |  |  | 71 |
Multifamily | — |  |  | — |  |  | — |  |  | — |  |  | — |
Other Loans | — |  |  | — |  |  | — |  |  | — |  |  | — |
| $ | 4,184 |  |  | $ | 4,197 |  |  | $ | 1,478 |  |  | $ | 4,452 |  |  | $ | 204 |
Total: |  |  |  |  |  |  |  |  |
Commercial | $ | 1,347 |  |  | $ | 1,366 |  |  | $ | 334 |  |  | $ | 1,600 |  |  | $ | 67 |
Commercial Real Estate | 4,750 |  |  | 4,782 |  |  | 299 |  |  | 5,136 |  |  | 258 |
Construction and Farmland | 2,674 |  |  | 2,684 |  |  | 218 |  |  | 2,728 |  |  | 115 |
Residential | 4,922 |  |  | 4,972 |  |  | 627 |  |  | 5,738 |  |  | 240 |
Other | 6 |  |  | 6 |  |  | — |  |  | 7 |  |  | 1 |
Total | $ | 13,699 |  |  | $ | 13,810 |  |  | $ | 1,478 |  |  | $ | 15,209 |  |  | $ | 681 |
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, which 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, 2014 and December 31, 2013 was as follows:
| As of
| September 30, 2014
| (in thousands)
INTERNAL RISK RATING GRADES | Pass |  | Watch |  | Special Mention |  | Substandard |  | Doubtful |  | Loss |  | Total
Commercial - Non Real Estate: |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial & Industrial | $ | 25,375 |  |  | $ | 2,284 |  |  | $ | 22 |  |  | $ | 772 |  |  | $ | 1,255 |  |  | $ | — |  |  | $ | 29,708 |
Commercial Real Estate: |  |  |  |  |  |  |  |  |  |  |  |  |
Owner Occupied | 76,373 |  |  | 17,682 |  |  | 834 |  |  | 3,678 |  |  | 1,183 |  |  | — |  |  | 99,750 |
Non-owner occupied | 39,631 |  |  | 12,895 |  |  | 2,911 |  |  | 3,248 |  |  | 49 |  |  | — |  |  | 58,734 |
Construction and Farmland: |  |  |  |  |  |  |  |  |  |  |  |  |
Residential | 5,715 |  |  | 122 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 5,837 |
Commercial | 26,037 |  |  | 3,501 |  |  | 871 |  |  | 2,287 |  |  | 80 |  |  | — |  |  | 32,776 |
Residential: |  |  |  |  |  |  |  |  |  |  |  |  |
Equity Lines | 29,426 |  |  | 1,207 |  |  | — |  |  | 150 |  |  | 150 |  |  | — |  |  | 30,933 |
Single family | 162,760 |  |  | 15,314 |  |  | 5,702 |  |  | 4,330 |  |  | 576 |  |  | — |  |  | 188,682 |
Multifamily | 2,166 |  |  | 884 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 3,050 |
All other loans | 2,302 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 2,302 |
Total | $ | 369,785 |  |  | $ | 53,889 |  |  | $ | 10,340 |  |  | $ | 14,465 |  |  | $ | 3,293 |  |  | $ | — |  |  | $ | 451,772 |
| Performing |  | Nonperforming
Consumer Credit Exposure by Payment Activity | $ | 13,234 |  |  | $ | 62 |
| As of
| December 31, 2013
| (in thousands)
INTERNAL RISK RATING GRADES | Pass |  | Watch |  | Special Mention |  | Substandard |  | Doubtful |  | Loss |  | Total
Commercial - Non Real Estate: |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial & Industrial | $ | 16,565 |  |  | $ | 2,820 |  |  | $ | 86 |  |  | $ | 106 |  |  | $ | 1,288 |  |  | $ | — |  |  | $ | 20,865 |
Commercial Real Estate: |  |  |  |  |  |  |  |  |  |  |  |  |
Owner Occupied | 73,998 |  |  | 12,036 |  |  | 3,322 |  |  | 1,820 |  |  | 1,269 |  |  | — |  |  | 92,445 |
Non-owner occupied | 31,484 |  |  | 14,922 |  |  | 5,557 |  |  | 3,758 |  |  | — |  |  | — |  |  | 55,721 |
Construction and Farm land: |  |  |  |  |  |  |  |  |  |  |  |  |
Residential | 7,738 |  |  | 122 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 7,860 |
Commercial | 24,252 |  |  | 1,353 |  |  | 1,196 |  |  | 2,186 |  |  | 86 |  |  | — |  |  | 29,073 |
Residential: |  |  |  |  |  |  |  |  |  |  |  |  |
Equity Lines | 30,458 |  |  | 708 |  |  | 415 |  |  | 480 |  |  | 163 |  |  | — |  |  | 32,224 |
Single family | 157,273 |  |  | 11,505 |  |  | 11,046 |  |  | 5,775 |  |  | 810 |  |  | — |  |  | 186,409 |
Multifamily | 1,946 |  |  | 904 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 2,850 |
All other loans | 3,041 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 3,041 |
Total | $ | 346,755 |  |  | $ | 44,370 |  |  | $ | 21,622 |  |  | $ | 14,125 |  |  | $ | 3,616 |  |  | $ | — |  |  | $ | 430,488 |
| Performing |  | Nonperforming
Consumer Credit Exposure by Payment Activity | $ | 13,670 |  |  | $ | 115 |

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