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Allowance for Loan Losses (Tables) | 12 Months Ended
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Dec. 31, 2015
Receivables [Abstract] |
Changes In Allowance For Loan Losses | Changes in the allowance for loan losses for the years December 31, 2015, 2014 and 2013 were as follows:
| December 31,
| 2015 |  | 2014 |  | 2013
|  |  | (in thousands) |  |
Balance, beginning | $ | 5,080 |  |  | $ | 5,488 |  |  | $ | 6,577 |
(Recovery of) provision for loan losses | (227 | ) |  | 350 |  |  | — |
Recoveries added to the allowance | 562 |  |  | 725 |  |  | 233 |
Loan losses charged to the allowance | (456 | ) |  | (1,483 | ) |  | (1,322 | )
Balance, ending | $ | 4,959 |  |  | $ | 5,080 |  |  | $ | 5,488 |
Nonaccrual And Past Due Loans By Class | Nonaccrual and past due loans by class at December 31, 2015 and December 31, 2014 were as follows:
| December 31, 2015
| (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 | $ | 1 |  |  | $ | — |  |  | $ | — |  |  | $ | 1 |  |  | $ | 29,365 |  |  | $ | 29,366 |  |  | $ | — |  |  | $ | 475 |
Commercial Real Estate: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Owner Occupied | 623 |  |  | 142 |  |  | — |  |  | 765 |  |  | 108,942 |  |  | 109,707 |  |  | — |  |  | 1,614 |
Non-owner occupied | — |  |  | 55 |  |  | 746 |  |  | 801 |  |  | 64,664 |  |  | 65,465 |  |  | — |  |  | 948 |
Construction and Farmland: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Residential | 50 |  |  | — |  |  | — |  |  | 50 |  |  | 8,509 |  |  | 8,559 |  |  | — |  |  | — |
Commercial | 356 |  |  | 72 |  |  | — |  |  | 428 |  |  | 32,582 |  |  | 33,010 |  |  | — |  |  | 310 |
Consumer: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Installment | 43 |  |  | 3 |  |  | — |  |  | 46 |  |  | 13,484 |  |  | 13,530 |  |  | — |  |  | — |
Residential: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Equity Lines | 175 |  |  | — |  |  | — |  |  | 175 |  |  | 34,246 |  |  | 34,421 |  |  | — |  |  | 276 |
Single family | 2,123 |  |  | 209 |  |  | 1,296 |  |  | 3,628 |  |  | 191,602 |  |  | 195,230 |  |  | 307 |  |  | 1,662 |
Multifamily | — |  |  | — |  |  | — |  |  | — |  |  | 3,975 |  |  | 3,975 |  |  | — |  |  | — |
All Other Loans | — |  |  | — |  |  | — |  |  | — |  |  | 2,310 |  |  | 2,310 |  |  | — |  |  | — |
Total | $ | 3,371 |  |  | $ | 481 |  |  | $ | 2,042 |  |  | $ | 5,894 |  |  | $ | 489,679 |  |  | $ | 495,573 |  |  | $ | 307 |  |  | $ | 5,285 |
| December 31, 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 Past Due Still Accruing |  | Nonaccrual Loans
Commercial - Non Real Estate: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial & Industrial | $ | 28 |  |  | $ | — |  |  | $ | — |  |  | $ | 28 |  |  | $ | 28,104 |  |  | $ | 28,132 |  |  | $ | — |  |  | $ | 2,106 |
Commercial Real Estate: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Owner Occupied | 2,191 |  |  | — |  |  | — |  |  | 2,191 |  |  | 97,516 |  |  | 99,707 |  |  | — |  |  | 2,591 |
Non-owner occupied | 56 |  |  | 210 |  |  | 808 |  |  | 1,074 |  |  | 60,518 |  |  | 61,592 |  |  | — |  |  | 1,231 |
Construction and Farmland: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Residential | — |  |  | 52 |  |  | — |  |  | 52 |  |  | 5,149 |  |  | 5,201 |  |  | — |  |  | — |
Commercial | — |  |  | — |  |  | 57 |  |  | 57 |  |  | 31,231 |  |  | 31,288 |  |  | — |  |  | 787 |
Consumer: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Installment | 50 |  |  | 15 |  |  | 6 |  |  | 71 |  |  | 13,803 |  |  | 13,874 |  |  | 6 |  |  | — |
Residential: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Equity Lines | 132 |  |  | 41 |  |  | 185 |  |  | 358 |  |  | 30,763 |  |  | 31,121 |  |  | — |  |  | 331 |
Single family | 1,243 |  |  | 440 |  |  | 644 |  |  | 2,327 |  |  | 191,246 |  |  | 193,573 |  |  | — |  |  | 3,660 |
Multifamily | — |  |  | — |  |  | — |  |  | — |  |  | 3,016 |  |  | 3,016 |  |  | — |  |  | — |
All Other Loans | — |  |  | — |  |  | — |  |  | — |  |  | 2,316 |  |  | 2,316 |  |  | — |  |  | — |
Total | $ | 3,700 |  |  | $ | 758 |  |  | $ | 1,700 |  |  | $ | 6,158 |  |  | $ | 463,662 |  |  | $ | 469,820 |  |  | $ | 6 |  |  | $ | 10,706 |
Allowance For Loan Losses By Segment | Allowance for loan losses by segment at December 31, 2015, December 31, 2014 and December 31, 2013 were as follows:
| As of and for the Twelve Months Ended
| December 31, 2015
| (in thousands)
| Construction and Farmland |  | Residential Real Estate |  | Commercial Real Estate |  | Commercial |  | Consumer |  | All Other Loans |  | Unallocated |  | Total
Allowance for credit losses: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Beginning Balance | $ | 951 |  |  | $ | 1,977 |  |  | $ | 1,347 |  |  | $ | 464 |  |  | $ | 103 |  |  | $ | 42 |  |  | $ | 196 |  |  | $ | 5,080 |
Charge-Offs | (166 | ) |  | (152 | ) |  | (47 | ) |  | — |  |  | (66 | ) |  | (25 | ) |  | — |  |  | (456 | )
Recoveries | 75 |  |  | 142 |  |  | 115 |  |  | 181 |  |  | 33 |  |  | 16 |  |  | — |  |  | 562 |
Provision (recovery) | (85 | ) |  | 355 |  |  | (147 | ) |  | (434 | ) |  | 39 |  |  | 20 |  |  | 25 |  |  | (227 | )
Ending balance | $ | 775 |  |  | $ | 2,322 |  |  | $ | 1,268 |  |  | $ | 211 |  |  | $ | 109 |  |  | $ | 53 |  |  | $ | 221 |  |  | $ | 4,959 |
Ending balance: Individually evaluated for impairment | $ | 10 |  |  | $ | 423 |  |  | $ | 141 |  |  | $ | 2 |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | 576 |
Ending balance: collectively evaluated for impairment | $ | 765 |  |  | $ | 1,899 |  |  | $ | 1,127 |  |  | $ | 209 |  |  | $ | 109 |  |  | $ | 53 |  |  | $ | 221 |  |  | $ | 4,383 |
Loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Ending balance | $ | 41,569 |  |  | $ | 233,626 |  |  | $ | 175,172 |  |  | $ | 29,366 |  |  | $ | 13,530 |  |  | $ | 2,310 |  |  | $ | — |  |  | $ | 495,573 |
Ending balance individually evaluated for impairment | $ | 1,392 |  |  | $ | 7,209 |  |  | $ | 4,555 |  |  | $ | 847 |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | 14,003 |
Ending balance collectively evaluated for impairment | $ | 40,177 |  |  | $ | 226,417 |  |  | $ | 170,617 |  |  | $ | 28,519 |  |  | $ | 13,530 |  |  | $ | 2,310 |  |  | $ | — |  |  | $ | 481,570 |
| As of and for the Twelve Months Ended
| December 31, 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 | (482 | ) |  | (808 | ) |  | (83 | ) |  | — |  |  | (86 | ) |  | (24 | ) |  | — |  |  | (1,483 | )
Recoveries | 26 |  |  | 63 |  |  | 381 |  |  | 164 |  |  | 87 |  |  | 4 |  |  | — |  |  | 725 |
Provision (recovery) | 375 |  |  | 497 |  |  | (288 | ) |  | (255 | ) |  | — |  |  | (20 | ) |  | 41 |  |  | 350 |
Ending balance | $ | 951 |  |  | $ | 1,977 |  |  | $ | 1,347 |  |  | $ | 464 |  |  | $ | 103 |  |  | $ | 42 |  |  | $ | 196 |  |  | $ | 5,080 |
Ending balance: Individually evaluated for impairment | $ | 93 |  |  | $ | 303 |  |  | $ | 203 |  |  | $ | 44 |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | 643 |
Ending balance: collectively evaluated for impairment | $ | 858 |  |  | $ | 1,674 |  |  | $ | 1,144 |  |  | $ | 420 |  |  | $ | 103 |  |  | $ | 42 |  |  | $ | 196 |  |  | $ | 4,437 |
Loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Ending balance | $ | 36,489 |  |  | $ | 227,710 |  |  | $ | 161,299 |  |  | $ | 28,132 |  |  | $ | 13,874 |  |  | $ | 2,316 |  |  | $ | — |  |  | $ | 469,820 |
Ending balance individually evaluated for impairment | $ | 2,665 |  |  | $ | 6,550 |  |  | $ | 5,716 |  |  | $ | 2,106 |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | 17,039 |
Ending balance collectively evaluated for impairment | $ | 33,824 |  |  | $ | 221,160 |  |  | $ | 155,583 |  |  | $ | 26,026 |  |  | $ | 13,874 |  |  | $ | 2,316 |  |  | $ | — |  |  | $ | 452,783 |
| 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 (recovery) | (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 |
Loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
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 |
Effect On Loan Loss Provision, Changes In Methodology | The following table represents the effect on the loan loss provision for the year ended December 31, 2015 as a result of the change in allowance methodology from that used in prior periods.
(in thousands) |  | Calculated Provision Based on Current Methodology |  | Calculation Provision Based on Prior Methodology |  | Difference
Portfolio Segment: |  |  |  |  |  |
Construction and Farmland |  | $ | (85 | ) |  | $ | (118 | ) |  | $ | 33 |
Residential Real Estate |  | 355 |  |  | 173 |  |  | 182 |
Commercial Real Estate |  | (147 | ) |  | (280 | ) |  | 133 |
Commercial |  | (434 | ) |  | (457 | ) |  | 23 |
Consumer |  | 39 |  |  | 28 |  |  | 11 |
All Other Loans |  | 20 |  |  | 19 |  |  | 1 |
Total, excluding unallocated |  | $ | (252 | ) |  | $ | (635 | ) |  | $ | 383 |
Impaired Loans By Class | Impaired loans by class at December 31, 2015 and December 31, 2014 were as follows:
| As of and for the Year Ended
| December 31, 2015
| (in thousands)
| Unpaid Principal Balance |  | Recorded Investment (1) |  | Related Allowance |  | Average Recorded Investment |  | Interest Income Recognized
With no related allowance: |  |  |  |  |  |  |  |  |
Commercial - Non Real Estate: |  |  |  |  |  |  |  |  |
Commercial & Industrial | $ | 747 |  |  | $ | 534 |  |  | $ | — |  |  | $ | 749 |  |  | $ | 18 |
Commercial Real Estate: |  |  |  |  |  |  |  |  |
Owner Occupied | 2,146 |  |  | 1,964 |  |  | — |  |  | 1,999 |  |  | 19 |
Non-owner occupied | 1,174 |  |  | 1,093 |  |  | — |  |  | 1,108 |  |  | 15 |
Construction and Farmland: |  |  |  |  |  |  |  |  |
Residential | — |  |  | — |  |  | — |  |  | — |  |  | — |
Commercial | 337 |  |  | 310 |  |  | — |  |  | 325 |  |  | — |
Residential: |  |  |  |  |  |  |  |  |
Equity lines | 149 |  |  | 145 |  |  | — |  |  | 145 |  |  | 5 |
Single family | 4,407 |  |  | 4,288 |  |  | — |  |  | 4,245 |  |  | 126 |
Multifamily | — |  |  | — |  |  | — |  |  | — |  |  | — |
Other Loans | — |  |  | — |  |  | — |  |  | — |  |  | — |
| $ | 8,960 |  |  | $ | 8,334 |  |  | $ | — |  |  | $ | 8,571 |  |  | $ | 183 |
With an allowance recorded: |  |  |  |  |  |  |  |  |
Commercial - Non Real Estate: |  |  |  |  |  |  |  |  |
Commercial & Industrial | $ | 313 |  |  | $ | 313 |  |  | $ | 2 |  |  | $ | 328 |  |  | $ | 15 |
Commercial Real Estate: |  |  |  |  |  |  |  |  |
Owner Occupied | 207 |  |  | 208 |  |  | 39 |  |  | 210 |  |  | 10 |
Non-owner occupied | 1,291 |  |  | 1,295 |  |  | 102 |  |  | 1,311 |  |  | 69 |
Construction and Farmland: |  |  |  |  |  |  |  |  |
Residential | — |  |  | — |  |  | — |  |  | — |  |  | — |
Commercial | 1,081 |  |  | 1,085 |  |  | 10 |  |  | 1,109 |  |  | 48 |
Residential: |  |  |  |  |  |  |  |  |
Equity lines | 551 |  |  | 216 |  |  | 86 |  |  | 221 |  |  | 3 |
Single family | 2,596 |  |  | 2,575 |  |  | 337 |  |  | 2,600 |  |  | 76 |
Multifamily | — |  |  | — |  |  | — |  |  | — |  |  | — |
Other Loans | — |  |  | — |  |  | — |  |  | — |  |  | — |
| $ | 6,039 |  |  | $ | 5,692 |  |  | $ | 576 |  |  | $ | 5,779 |  |  | $ | 221 |
Total: |  |  |  |  |  |  |  |  |
Commercial | $ | 1,060 |  |  | $ | 847 |  |  | $ | 2 |  |  | $ | 1,077 |  |  | $ | 33 |
Commercial Real Estate | 4,818 |  |  | 4,560 |  |  | 141 |  |  | 4,628 |  |  | 113 |
Construction and Farmland | 1,418 |  |  | 1,395 |  |  | 10 |  |  | 1,434 |  |  | 48 |
Residential | 7,703 |  |  | 7,224 |  |  | 423 |  |  | 7,211 |  |  | 210 |
Other | — |  |  | — |  |  | — |  |  | — |  |  | — |
Total | $ | 14,999 |  |  | $ | 14,026 |  |  | $ | 576 |  |  | $ | 14,350 |  |  | $ | 404 |
(1) Recorded investment is defined as the summation of the outstanding principal balance, accrued interest, and any partial charge-offs.
| As of and for the Year Ended
| December 31, 2014
| (in thousands)
| Unpaid Principal Balance |  | Recorded Investment (1) |  | Related Allowance |  | Average Recorded Investment |  | Interest Income Recognized
With no related allowance: |  |  |  |  |  |  |  |  |
Commercial - Non Real Estate: |  |  |  |  |  |  |  |  |
Commercial & Industrial | $ | 2,159 |  |  | $ | 2,013 |  |  | $ | — |  |  | $ | 2,256 |  |  | $ | 19 |
Commercial Real Estate: |  |  |  |  |  |  |  |  |
Owner Occupied | 2,824 |  |  | 2,473 |  |  | — |  |  | 2,857 |  |  | 48 |
Non-owner occupied | 2,675 |  |  | 2,560 |  |  | — |  |  | 2,796 |  |  | 86 |
Construction and Farmland: |  |  |  |  |  |  |  |  |
Residential | — |  |  | — |  |  | — |  |  | — |  |  | — |
Commercial | 2,319 |  |  | 2,319 |  |  | — |  |  | 2,362 |  |  | 68 |
Residential: |  |  |  |  |  |  |  |  |
Equity lines | 252 |  |  | 78 |  |  | — |  |  | 252 |  |  | — |
Single family | 5,634 |  |  | 5,218 |  |  | — |  |  | 5,719 |  |  | 149 |
Multifamily | — |  |  | — |  |  | — |  |  | — |  |  | — |
Other Loans | — |  |  | — |  |  | — |  |  | — |  |  | — |
| $ | 15,863 |  |  | $ | 14,661 |  |  | $ | — |  |  | $ | 16,242 |  |  | $ | 370 |
With an allowance recorded: |  |  |  |  |  |  |  |  |
Commercial - Non Real Estate: |  |  |  |  |  |  |  |  |
Commercial & Industrial | $ | 289 |  |  | $ | 94 |  |  | $ | 44 |  |  | $ | 289 |  |  | $ | — |
Commercial Real Estate: |  |  |  |  |  |  |  |  |
Owner Occupied | 689 |  |  | 689 |  |  | 203 |  |  | 704 |  |  | 33 |
Non-owner occupied | — |  |  | — |  |  | — |  |  | — |  |  | — |
Construction and Farmland: |  |  |  |  |  |  |  |  |
Residential | — |  |  | — |  |  | — |  |  | — |  |  | — |
Commercial | 385 |  |  | 350 |  |  | 93 |  |  | 393 |  |  | 5 |
Residential: |  |  |  |  |  |  |  |  |
Equity lines | 403 |  |  | 253 |  |  | 95 |  |  | 403 |  |  | 5 |
Single family | 1,007 |  |  | 1,008 |  |  | 208 |  |  | 1,020 |  |  | 41 |
Multifamily | — |  |  | — |  |  | — |  |  | — |  |  | — |
Other Loans | — |  |  | — |  |  | — |  |  | — |  |  | — |
| $ | 2,773 |  |  | $ | 2,394 |  |  | $ | 643 |  |  | $ | 2,809 |  |  | $ | 84 |
Total: |  |  |  |  |  |  |  |  |
Commercial | $ | 2,448 |  |  | $ | 2,107 |  |  | $ | 44 |  |  | $ | 2,545 |  |  | $ | 19 |
Commercial Real Estate | 6,188 |  |  | 5,722 |  |  | 203 |  |  | 6,357 |  |  | 167 |
Construction and Farmland | 2,704 |  |  | 2,669 |  |  | 93 |  |  | 2,755 |  |  | 73 |
Residential | 7,296 |  |  | 6,557 |  |  | 303 |  |  | 7,394 |  |  | 195 |
Other | — |  |  | — |  |  | — |  |  | — |  |  | — |
Total | $ | 18,636 |  |  | $ | 17,055 |  |  | $ | 643 |  |  | $ | 19,051 |  |  | $ | 454 |
Credit Quality Information By Class | Credit quality information by class at December 31, 2015 and December 31, 2014 was as follows:
| As of
| December 31, 2015
| (in thousands)
INTERNAL RISK RATING GRADES | Pass |  | Pass Monitored |  | Special Mention |  | Substandard |  | Doubtful |  | Loss |  | Total
Commercial - Non Real Estate: |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial & Industrial | $ | 25,375 |  |  | $ | 3,175 |  |  | $ | 335 |  |  | $ | 364 |  |  | $ | 117 |  |  | $ | — |  |  | $ | 29,366 |
Commercial Real Estate: |  |  |  |  |  |  |  |  |  |  |  |  |
Owner Occupied | 90,230 |  |  | 12,553 |  |  | 4,521 |  |  | 1,416 |  |  | 987 |  |  | — |  |  | 109,707 |
Non-owner occupied | 42,988 |  |  | 21,072 |  |  | — |  |  | 1,405 |  |  | — |  |  | — |  |  | 65,465 |
Construction and Farmland: |  |  |  |  |  |  |  |  |  |  |  |  |
Residential | 8,559 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 8,559 |
Commercial | 20,391 |  |  | 10,886 |  |  | 1,395 |  |  | 338 |  |  |  |  |  | — |  |  | 33,010 |
Residential: |  |  |  |  |  |  |  |  |  |  |  |  |
Equity Lines | 30,267 |  |  | 3,878 |  |  | — |  |  | 145 |  |  | 131 |  |  | — |  |  | 34,421 |
Single family | 170,168 |  |  | 19,086 |  |  | 950 |  |  | 4,600 |  |  | 426 |  |  | — |  |  | 195,230 |
Multifamily | 3,975 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 3,975 |
All other loans | 2,265 |  |  | 45 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 2,310 |
Total | $ | 394,218 |  |  | $ | 70,695 |  |  | $ | 7,201 |  |  | $ | 8,268 |  |  | $ | 1,661 |  |  | $ | — |  |  | $ | 482,043 |
| Performing |  | Nonperforming
Consumer Credit Exposure by Payment Activity | $ | 13,484 |  |  | $ | 46 |
| As of
| December 31, 2014
| (in thousands)
INTERNAL RISK RATING GRADES | Pass |  | Pass Monitored |  | Special Mention |  | Substandard |  | Doubtful |  | Loss |  | Total
Commercial - Non Real Estate: |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial & Industrial | $ | 24,579 |  |  | $ | 1,775 |  |  | $ | 21 |  |  | $ | 701 |  |  | $ | 1,056 |  |  | $ | — |  |  | $ | 28,132 |
Commercial Real Estate: |  |  |  |  |  |  |  |  |  |  |  |  |
Owner Occupied | 77,979 |  |  | 17,401 |  |  | — |  |  | 3,189 |  |  | 1,138 |  |  | — |  |  | 99,707 |
Non-owner occupied | 42,630 |  |  | 14,779 |  |  | 1,402 |  |  | 2,733 |  |  | 48 |  |  | — |  |  | 61,592 |
Construction and Farm land: |  |  |  |  |  |  |  |  |  |  |  |  |
Residential | 5,112 |  |  | 89 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 5,201 |
Commercial | 23,192 |  |  | 5,184 |  |  | 2,083 |  |  | 750 |  |  | 79 |  |  | — |  |  | 31,288 |
Residential: |  |  |  |  |  |  |  |  |  |  |  |  |
Equity Lines | 29,440 |  |  | 1,429 |  |  | — |  |  | 185 |  |  | 67 |  |  | — |  |  | 31,121 |
Single family | 165,932 |  |  | 21,011 |  |  | — |  |  | 6,062 |  |  | 568 |  |  | — |  |  | 193,573 |
Multifamily | 2,144 |  |  | 872 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 3,016 |
All other loans | 2,316 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 2,316 |
Total | $ | 373,324 |  |  | $ | 62,540 |  |  | $ | 3,506 |  |  | $ | 13,620 |  |  | $ | 2,956 |  |  | $ | — |  |  | $ | 455,946 |
| Performing |  | Nonperforming
Consumer Credit Exposure by Payment Activity | $ | 13,803 |  |  | $ | 71 |

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