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Allowance For Loan Losses | 6 Months Ended
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Jun. 30, 2017
Receivables [Abstract] |
Allowance For Loan Losses | NOTE 5. Allowance for Loan Losses Changes in the allowance for loan losses for the six months ended June 30, 2017 and 2016 and the year ended December 31, 2016 were as follows:
| Six Months Ended |  | Year Ended |  | Six Months Ended
| June 30, |  | December 31, |  | June 30,
| 2017 |  | 2016 |  | 2016
|  |  | (in thousands) |  |
Balance, beginning | $ | 4,505 |  |  | $ | 4,959 |  |  | $ | 4,959 |
(Recovery of) provision for loan losses | (757 | ) |  | (188 | ) |  | 79 |
Recoveries added to the allowance | 799 |  |  | 341 |  |  | 90 |
Loan losses charged to the allowance | (140 | ) |  | (607 | ) |  | (155 | )
Balance, ending | $ | 4,407 |  |  | $ | 4,505 |  |  | $ | 4,973 |
Nonaccrual and past due loans by class at June 30, 2017 and December 31, 2016 were as follows:
| June 30, 2017
| (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 | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | 35,678 |  |  | $ | 35,678 |  |  | $ | — |  |  | $ | 237 |
Commercial Real Estate: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Owner Occupied | 415 |  |  | — |  |  | — |  |  | 415 |  |  | 125,014 |  |  | 125,429 |  |  | — |  |  | 415 |
Non-owner occupied | 49 |  |  | — |  |  | — |  |  | 49 |  |  | 112,968 |  |  | 113,017 |  |  | — |  |  | 183 |
Construction and Farmland: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Residential | — |  |  | — |  |  | — |  |  | — |  |  | 3,519 |  |  | 3,519 |  |  | — |  |  | — |
Commercial | — |  |  | — |  |  | — |  |  | — |  |  | 32,259 |  |  | 32,259 |  |  | — |  |  | — |
Consumer: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Installment | 28 |  |  | 2 |  |  | 6 |  |  | 36 |  |  | 12,507 |  |  | 12,543 |  |  | — |  |  | 16 |
Residential: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Equity Lines | 67 |  |  | — |  |  | — |  |  | 67 |  |  | 32,409 |  |  | 32,476 |  |  | — |  |  | 108 |
Single family | 699 |  |  | 197 |  |  | 4,283 |  |  | 5,179 |  |  | 187,896 |  |  | 193,075 |  |  | — |  |  | 4,642 |
Multifamily | — |  |  | — |  |  | — |  |  | — |  |  | 4,367 |  |  | 4,367 |  |  | — |  |  | — |
All Other Loans | — |  |  | — |  |  | — |  |  | — |  |  | 1,816 |  |  | 1,816 |  |  | — |  |  | — |
Total | $ | 1,258 |  |  | $ | 199 |  |  | $ | 4,289 |  |  | $ | 5,746 |  |  | $ | 548,433 |  |  | $ | 554,179 |  |  | $ | — |  |  | $ | 5,601 |
| December 31, 2016
| (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 | $ | 69 |  |  | $ | 49 |  |  | $ | — |  |  | $ | 118 |  |  | $ | 30,223 |  |  | $ | 30,341 |  |  | $ | — |  |  | $ | 278 |
Commercial Real Estate: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Owner Occupied | 150 |  |  | 384 |  |  | — |  |  | 534 |  |  | 114,820 |  |  | 115,354 |  |  | — |  |  | 431 |
Non-owner occupied | — |  |  | 54 |  |  | 135 |  |  | 189 |  |  | 92,982 |  |  | 93,171 |  |  | — |  |  | 1,066 |
Construction and Farmland: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Residential | 50 |  |  | — |  |  | — |  |  | 50 |  |  | 4,627 |  |  | 4,677 |  |  | — |  |  | — |
Commercial | 499 |  |  | — |  |  | — |  |  | 499 |  |  | 26,615 |  |  | 27,114 |  |  | — |  |  | — |
Consumer: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Installment | 23 |  |  | 2 |  |  | 11 |  |  | 36 |  |  | 12,641 |  |  | 12,677 |  |  | 8 |  |  | 8 |
Residential: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Equity Lines | 66 |  |  | — |  |  | — |  |  | 66 |  |  | 31,240 |  |  | 31,306 |  |  | — |  |  | 132 |
Single family | 444 |  |  | 51 |  |  | 166 |  |  | 661 |  |  | 195,999 |  |  | 196,660 |  |  | — |  |  | 5,076 |
Multifamily | — |  |  | — |  |  | — |  |  | — |  |  | 3,566 |  |  | 3,566 |  |  | — |  |  | — |
All Other Loans | — |  |  | — |  |  | — |  |  | — |  |  | 2,076 |  |  | 2,076 |  |  | — |  |  | — |
Total | $ | 1,301 |  |  | $ | 540 |  |  | $ | 312 |  |  | $ | 2,153 |  |  | $ | 514,789 |  |  | $ | 516,942 |  |  | $ | 8 |  |  | $ | 6,991 |
Allowance for loan losses by segment at June 30, 2017 and December 31, 2016 were as follows:
| As of and For the Six Months Ended
| June 30, 2017
| (in thousands)
| Construction and Farmland |  | Residential |  | Commercial Real Estate |  | Commercial - Non Real Estate |  | Consumer |  | All Other Loans |  | Unallocated |  | Total
Allowance for credit losses: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Beginning Balance | $ | 450 |  |  | $ | 1,992 |  |  | $ | 1,522 |  |  | $ | 235 |  |  | $ | 69 |  |  | $ | 22 |  |  | $ | 215 |  |  | $ | 4,505 |
Charge-Offs | — |  |  | (33 | ) |  | — |  |  | (58 | ) |  | (24 | ) |  | (25 | ) |  | — |  |  | (140 | )
Recoveries | 504 |  |  | 163 |  |  | 93 |  |  | 14 |  |  | 23 |  |  | 2 |  |  | — |  |  | 799 |
(Recovery of) provision for loan losses | (547 | ) |  | (296 | ) |  | (33 | ) |  | 93 |  |  | (3 | ) |  | 23 |  |  | 6 |  |  | (757 | )
Ending balance | $ | 407 |  |  | $ | 1,826 |  |  | $ | 1,582 |  |  | $ | 284 |  |  | $ | 65 |  |  | $ | 22 |  |  | $ | 221 |  |  | $ | 4,407 |
Ending balance: Individually evaluated for impairment | $ | — |  |  | $ | 205 |  |  | $ | 64 |  |  | $ | 2 |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | 271 |
Ending balance: collectively evaluated for impairment | $ | 407 |  |  | $ | 1,621 |  |  | $ | 1,518 |  |  | $ | 282 |  |  | $ | 65 |  |  | $ | 22 |  |  | $ | 221 |  |  | $ | 4,136 |
Loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Ending balance | $ | 35,778 |  |  | $ | 229,918 |  |  | $ | 238,446 |  |  | $ | 35,678 |  |  | $ | 12,543 |  |  | $ | 1,816 |  |  | $ | — |  |  | $ | 554,179 |
Ending balance individually evaluated for impairment | $ | 331 |  |  | $ | 8,571 |  |  | $ | 1,748 |  |  | $ | 504 |  |  | $ | 16 |  |  | $ | — |  |  | $ | — |  |  | $ | 11,170 |
Ending balance collectively evaluated for impairment | $ | 35,447 |  |  | $ | 221,347 |  |  | $ | 236,698 |  |  | $ | 35,174 |  |  | $ | 12,527 |  |  | $ | 1,816 |  |  | $ | — |  |  | $ | 543,009 |
| As of and for the Twelve Months Ended
| December 31, 2016
| (in thousands)
| Construction and Farmland |  | Residential |  | Commercial Real Estate |  | Commercial - Non Real Estate |  | Consumer |  | All Other Loans |  | Unallocated |  | Total
Allowance for credit losses: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Beginning Balance | $ | 775 |  |  | $ | 2,322 |  |  | $ | 1,268 |  |  | $ | 211 |  |  | $ | 109 |  |  | $ | 53 |  |  | $ | 221 |  |  | $ | 4,959 |
Charge-Offs | — |  |  | (535 | ) |  | — |  |  | — |  |  | (30 | ) |  | (42 | ) |  | — |  |  | (607 | )
Recoveries | 144 |  |  | 124 |  |  | 8 |  |  | 11 |  |  | 49 |  |  | 5 |  |  | — |  |  | 341 |
(Recovery of) provision for loan losses | (469 | ) |  | 81 |  |  | 246 |  |  | 13 |  |  | (59 | ) |  | 6 |  |  | (6 | ) |  | (188 | )
Ending balance | $ | 450 |  |  | $ | 1,992 |  |  | $ | 1,522 |  |  | $ | 235 |  |  | $ | 69 |  |  | $ | 22 |  |  | $ | 215 |  |  | $ | 4,505 |
Ending balance: Individually evaluated for impairment | $ | — |  |  | $ | 268 |  |  | $ | 102 |  |  | $ | 15 |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | 385 |
Ending balance: collectively evaluated for impairment | $ | 450 |  |  | $ | 1,724 |  |  | $ | 1,420 |  |  | $ | 220 |  |  | $ | 69 |  |  | $ | 22 |  |  | $ | 215 |  |  | $ | 4,120 |
Loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Ending balance | $ | 31,791 |  |  | $ | 231,532 |  |  | $ | 208,525 |  |  | $ | 30,341 |  |  | $ | 12,677 |  |  | $ | 2,076 |  |  | $ | — |  |  | $ | 516,942 |
Ending balance individually evaluated for impairment | $ | 1,320 |  |  | $ | 8,608 |  |  | $ | 2,864 |  |  | $ | 581 |  |  | $ | 7 |  |  | $ | — |  |  | $ | — |  |  | $ | 13,380 |
Ending balance collectively evaluated for impairment | $ | 30,471 |  |  | $ | 222,924 |  |  | $ | 205,661 |  |  | $ | 29,760 |  |  | $ | 12,670 |  |  | $ | 2,076 |  |  | $ | — |  |  | $ | 503,562 |
Impaired loans by class as of and for the periods ended June 30, 2017 and December 31, 2016 were as follows:
| As of and for the Six Months Ended
| June 30, 2017
| (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 | $ | 258 |  |  | $ | 237 |  |  | $ | — |  |  | $ | 266 |  |  | $ | 7 |
Commercial Real Estate: |  |  |  |  |  |  |  |  |
Owner Occupied | 865 |  |  | 750 |  |  | — |  |  | 753 |  |  | 7 |
Non-owner occupied | 215 |  |  | 184 |  |  | — |  |  | 185 |  |  | — |
Construction and Farmland: |  |  |  |  |  |  |  |  |
Residential | — |  |  | — |  |  | — |  |  | — |  |  | — |
Commercial | 331 |  |  | 331 |  |  | — |  |  | 338 |  |  | 14 |
Consumer: |  |  |  |  |  |  |  |  |
Installment | 17 |  |  | 16 |  |  | — |  |  | 17 |  |  | — |
Residential: |  |  |  |  |  |  |  |  |
Equity lines | 236 |  |  | 60 |  |  | — |  |  | 62 |  |  | — |
Single family | 7,273 |  |  | 7,083 |  |  | — |  |  | 7,172 |  |  | 60 |
Multifamily | — |  |  | — |  |  | — |  |  | — |  |  | — |
Other Loans | — |  |  | — |  |  | — |  |  | — |  |  | — |
| $ | 9,195 |  |  | $ | 8,661 |  |  | $ | — |  |  | $ | 8,793 |  |  | $ | 88 |
With an allowance recorded: |  |  |  |  |  |  |  |  |
Commercial - Non Real Estate: |  |  |  |  |  |  |  |  |
Commercial & Industrial | $ | 267 |  |  | $ | 267 |  |  | $ | 2 |  |  | $ | 276 |  |  | $ | 6 |
Commercial Real Estate: |  |  |  |  |  |  |  |  |
Owner Occupied | — |  |  | — |  |  | — |  |  | — |  |  | — |
Non-owner occupied | 815 |  |  | 817 |  |  | 64 |  |  | 821 |  |  | 18 |
Construction and Farmland: |  |  |  |  |  |  |  |  |
Residential | — |  |  | — |  |  | — |  |  | — |  |  | — |
Commercial | — |  |  | — |  |  | — |  |  | — |  |  | — |
Residential: |  |  |  |  |  |  |  |  |
Equity lines | 218 |  |  | 48 |  |  | 48 |  |  | 48 |  |  | — |
Single family | 1,400 |  |  | 1,392 |  |  | 157 |  |  | 1,401 |  |  | 31 |
Multifamily | — |  |  | — |  |  | — |  |  | — |  |  | — |
Other Loans | — |  |  | — |  |  | — |  |  | — |  |  | — |
| $ | 2,700 |  |  | $ | 2,524 |  |  | $ | 271 |  |  | $ | 2,546 |  |  | $ | 55 |
Total: |  |  |  |  |  |  |  |  |
Commercial | $ | 525 |  |  | $ | 504 |  |  | $ | 2 |  |  | $ | 542 |  |  | $ | 13 |
Commercial Real Estate | 1,895 |  |  | 1,751 |  |  | 64 |  |  | 1,759 |  |  | 25 |
Construction and Farmland | 331 |  |  | 331 |  |  | — |  |  | 338 |  |  | 14 |
Consumer | 17 |  |  | 16 |  |  | — |  |  | 17 |  |  | — |
Residential | 9,127 |  |  | 8,583 |  |  | 205 |  |  | 8,683 |  |  | 91 |
Other | — |  |  | — |  |  | — |  |  | — |  |  | — |
Total | $ | 11,895 |  |  | $ | 11,185 |  |  | $ | 271 |  |  | $ | 11,339 |  |  | $ | 143 |
(1) Recorded investment is defined as the summation of the outstanding principal balance, accrued interest, net deferred loan fees or costs, and any partial charge-offs.
| As of and for the Twelve Months End
| December 31, 2016
| (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 | $ | 311 |  |  | $ | 299 |  |  | $ | — |  |  | $ | 356 |  |  | $ | 21 |
Commercial Real Estate: |  |  |  |  |  |  |  |  |
Owner Occupied | 869 |  |  | 772 |  |  | — |  |  | 778 |  |  | 15 |
Non-owner occupied | 1,298 |  |  | 1,066 |  |  | — |  |  | 1,137 |  |  | 13 |
Construction and Farmland: |  |  |  |  |  |  |  |  |
Residential | — |  |  | — |  |  | — |  |  | — |  |  | — |
Commercial | 1,320 |  |  | 1,324 |  |  | — |  |  | 1,358 |  |  | 75 |
Consumer: |  |  |  |  |  |  |  |  |
Installment | 8 |  |  | 8 |  |  | — |  |  | 9 |  |  | — |
Residential: |  |  |  |  |  |  |  |  |
Equity lines | 17 |  |  | 17 |  |  | — |  |  | 18 |  |  | — |
Single family | 7,072 |  |  | 6,849 |  |  | — |  |  | 6,930 |  |  | 170 |
Multifamily | — |  |  | — |  |  | — |  |  | — |  |  | — |
Other Loans | — |  |  | — |  |  | — |  |  | — |  |  | — |
| $ | 10,895 |  |  | $ | 10,335 |  |  | $ | — |  |  | $ | 10,586 |  |  | $ | 294 |
With an allowance recorded: |  |  |  |  |  |  |  |  |
Commercial - Non Real Estate: |  |  |  |  |  |  |  |  |
Commercial & Industrial | $ | 283 |  |  | $ | 283 |  |  | $ | 15 |  |  | $ | 298 |  |  | $ | 14 |
Commercial Real Estate: |  |  |  |  |  |  |  |  |
Owner Occupied | 203 |  |  | 203 |  |  | 37 |  |  | 205 |  |  | 10 |
Non-owner occupied | 824 |  |  | 826 |  |  | 65 |  |  | 834 |  |  | 37 |
Construction and Farmland: |  |  |  |  |  |  |  |  |
Residential | — |  |  | — |  |  | — |  |  | — |  |  | — |
Commercial | — |  |  | — |  |  | — |  |  | — |  |  | — |
Residential: |  |  |  |  |  |  |  |  |
Equity lines | 458 |  |  | 115 |  |  | 56 |  |  | 120 |  |  | — |
Single family | 1,678 |  |  | 1,638 |  |  | 212 |  |  | 1,676 |  |  | 60 |
Multifamily | — |  |  | — |  |  | — |  |  | — |  |  | — |
Other Loans | — |  |  | — |  |  | — |  |  | — |  |  | — |
| $ | 3,446 |  |  | $ | 3,065 |  |  | $ | 385 |  |  | $ | 3,133 |  |  | $ | 121 |
Total: |  |  |  |  |  |  |  |  |
Commercial | $ | 594 |  |  | $ | 582 |  |  | $ | 15 |  |  | $ | 654 |  |  | $ | 35 |
Commercial Real Estate | 3,194 |  |  | 2,867 |  |  | 102 |  |  | 2,954 |  |  | 75 |
Construction and Farmland | 1,320 |  |  | 1,324 |  |  | — |  |  | 1,358 |  |  | 75 |
Consumer | 8 |  |  | 8 |  |  | — |  |  | 9 |  |  | — |
Residential | 9,225 |  |  | 8,619 |  |  | 268 |  |  | 8,744 |  |  | 230 |
Other | — |  |  | — |  |  | — |  |  | — |  |  | — |
Total | $ | 14,341 |  |  | $ | 13,400 |  |  | $ | 385 |  |  | $ | 13,719 |  |  | $ | 415 |
(1) Recorded investment is defined as the summation of the outstanding principal balance, accrued interest, net deferred loan fees or costs, and any partial charge-offs. The average recorded investment for impaired loans for the three months ended June 30, 2017 was $11.3 million. The interest income recognized on impaired loans for the three months ended June 30, 2017 was $75 thousand. 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. Consumer loans are evaluated for collection based on payment performance. Descriptions of these ratings are as follows:
Pass | Pass loans exhibit acceptable history of profits, cash flow ability and liquidity. Sufficient cash flow exists to service the loan. All obligations have been paid by the borrower in an as agreed manner.
Pass Monitored | Pass monitored loans may be experiencing income and cash volatility, inconsistent operating trends, nominal liquidity and/or a 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 negative trends and potential weakness that, if left uncorrected, may negatively affect the borrower’s ability to repay its obligations. The risk of default is not imminent and the borrower still demonstrates sufficient financial strength to service debt.
Substandard | Substandard loans exhibit well defined weaknesses resulting in a higher probability of default. The borrowers exhibit adverse financial trends and a diminishing ability or willingness to service debt.
Doubtful | Doubtful loans exhibit all of the characteristics inherent in substandard loans; however given the severity of weaknesses, the collection of 100% of the principal is unlikely under current conditions.
Loss | Loss loans are considered uncollectible over a reasonable period of time and of such little value that its continuance as a bankable asset is not warranted.
Credit quality information by class at June 30, 2017 and December 31, 2016 was as follows:
| As of
| June 30, 2017
| (in thousands)
INTERNAL RISK RATING GRADES | Pass |  | Pass Monitored |  | Special Mention |  | Substandard |  | Doubtful |  | Loss |  | Total
Commercial - Non Real Estate: |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial & Industrial | $ | 31,883 |  |  | $ | 3,435 |  |  | $ | 113 |  |  | $ | 247 |  |  | $ | — |  |  | $ | — |  |  | $ | 35,678 |
Commercial Real Estate: |  |  |  |  |  |  |  |  |  |  |  |  |
Owner Occupied | 109,982 |  |  | 13,675 |  |  | 1,022 |  |  | 335 |  |  | 415 |  |  | — |  |  | 125,429 |
Non-owner occupied | 81,629 |  |  | 29,556 |  |  | 1,416 |  |  | 416 |  |  | — |  |  | — |  |  | 113,017 |
Construction and Farmland: |  |  |  |  |  |  |  |  |  |  |  |  |
Residential | 3,430 |  |  | 89 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 3,519 |
Commercial | 21,976 |  |  | 9,952 |  |  | — |  |  | 331 |  |  | — |  |  | — |  |  | 32,259 |
Residential: |  |  |  |  |  |  |  |  |  |  |  |  |
Equity Lines | 31,917 |  |  | 451 |  |  | — |  |  | — |  |  | 108 |  |  | — |  |  | 32,476 |
Single family | 179,100 |  |  | 6,757 |  |  | 525 |  |  | 6,549 |  |  | 144 |  |  | — |  |  | 193,075 |
Multifamily | 4,367 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 4,367 |
All other loans | 1,816 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 1,816 |
Total | $ | 466,100 |  |  | $ | 63,915 |  |  | $ | 3,076 |  |  | $ | 7,878 |  |  | $ | 667 |  |  | $ | — |  |  | $ | 541,636 |
| Performing |  | Nonperforming
Consumer Credit Exposure by Payment Activity | $ | 12,507 |  |  | $ | 36 |
| As of
| December 31, 2016
| (in thousands)
INTERNAL RISK RATING GRADES | Pass |  | Pass Monitored |  | Special Mention |  | Substandard |  | Doubtful |  | Loss |  | Total
Commercial - Non Real Estate: |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial & Industrial | $ | 25,951 |  |  | $ | 3,858 |  |  | $ | 170 |  |  | $ | 362 |  |  | $ | — |  |  | $ | — |  |  | $ | 30,341 |
Commercial Real Estate: |  |  |  |  |  |  |  |  |  |  |  |  |
Owner Occupied | 99,365 |  |  | 13,050 |  |  | 1,766 |  |  | 742 |  |  | 431 |  |  | — |  |  | 115,354 |
Non-owner occupied | 60,259 |  |  | 30,515 |  |  | 891 |  |  | 1,506 |  |  | — |  |  | — |  |  | 93,171 |
Construction and Farm land: |  |  |  |  |  |  |  |  |  |  |  |  |
Residential | 4,627 |  |  | 50 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 4,677 |
Commercial | 21,105 |  |  | 5,349 |  |  | 314 |  |  | 346 |  |  | — |  |  | — |  |  | 27,114 |
Residential: |  |  |  |  |  |  |  |  |  |  |  |  |
Equity Lines | 30,791 |  |  | 382 |  |  | — |  |  | 17 |  |  | 116 |  |  | — |  |  | 31,306 |
Single family | 182,404 |  |  | 6,850 |  |  | 724 |  |  | 6,533 |  |  | 149 |  |  | — |  |  | 196,660 |
Multifamily | 3,032 |  |  | 534 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 3,566 |
All other loans | 2,076 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 2,076 |
Total | $ | 429,610 |  |  | $ | 60,588 |  |  | $ | 3,865 |  |  | $ | 9,506 |  |  | $ | 696 |  |  | $ | — |  |  | $ | 504,265 |
| Performing |  | Nonperforming
Consumer Credit Exposure by Payment Activity | $ | 12,641 |  |  | $ | 36 |

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