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v3.19.1

Allowance for Loan Losses (Tables) | 12 Months Ended
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Dec. 31, 2018
Receivables [Abstract] |
Changes In Allowance For Loan Losses | Changes in the allowance for loan losses for the years December 31, 2018, 2017 and 2016 were as follows:
| December 31,
| 2018 |  | 2017 |  | 2016
|  |  | (in thousands) |  |
Balance, beginning | $ | 4,411 |  |  | $ | 4,505 |  |  | $ | 4,959 |
Provision for (recovery of) loan losses | 777 |  |  | (625 | ) |  | (188 | )
Recoveries added to the allowance | 504 |  |  | 901 |  |  | 341 |
Loan losses charged to the allowance | (236 | ) |  | (370 | ) |  | (607 | )
Balance, ending | $ | 5,456 |  |  | $ | 4,411 |  |  | $ | 4,505 |
Nonaccrual And Past Due Loans By Class | Nonaccrual and past due loans by class at December 31, 2018 and December 31, 2017 were as follows:
| December 31, 2018
| (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 | $ | 127 |  |  | $ | — |  |  | $ | — |  |  | $ | 127 |  |  | $ | 32,959 |  |  | $ | 33,086 |  |  | $ | — |  |  | $ | 1,081 |
Commercial Real Estate: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Owner Occupied | — |  |  | — |  |  | — |  |  | — |  |  | 136,309 |  |  | 136,309 |  |  | — |  |  | — |
Non-owner occupied | — |  |  | — |  |  | — |  |  | — |  |  | 129,286 |  |  | 129,286 |  |  | — |  |  | 364 |
Construction and Farmland: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Residential | — |  |  | — |  |  | — |  |  | — |  |  | 6,706 |  |  | 6,706 |  |  | — |  |  | — |
Commercial | — |  |  | — |  |  | — |  |  | — |  |  | 55,220 |  |  | 55,220 |  |  | — |  |  | — |
Consumer: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Installment | 4 |  |  | — |  |  | — |  |  | 4 |  |  | 8,466 |  |  | 8,470 |  |  | — |  |  | — |
Residential: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Equity Lines | — |  |  | — |  |  | — |  |  | — |  |  | 32,815 |  |  | 32,815 |  |  | — |  |  | 92 |
Single family | 960 |  |  | 196 |  |  | 900 |  |  | 2,056 |  |  | 186,990 |  |  | 189,046 |  |  | 695 |  |  | 581 |
Multifamily | — |  |  | — |  |  | — |  |  | — |  |  | 7,923 |  |  | 7,923 |  |  | — |  |  | — |
All Other Loans | — |  |  | — |  |  | — |  |  | — |  |  | 8,454 |  |  | 8,454 |  |  | — |  |  | — |
Total | $ | 1,091 |  |  | $ | 196 |  |  | $ | 900 |  |  | $ | 2,187 |  |  | $ | 605,128 |  |  | $ | 607,315 |  |  | $ | 695 |  |  | $ | 2,118 |
| December 31, 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 Past Due Still Accruing |  | Nonaccrual Loans
Commercial - Non Real Estate: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial & Industrial | $ | 75 |  |  | $ | 10 |  |  | $ | 142 |  |  | $ | 227 |  |  | $ | 37,200 |  |  | $ | 37,427 |  |  | $ | — |  |  | $ | 594 |
Commercial Real Estate: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Owner Occupied | — |  |  | — |  |  | — |  |  | — |  |  | 127,018 |  |  | 127,018 |  |  | — |  |  | — |
Non-owner occupied | — |  |  | 368 |  |  | — |  |  | 368 |  |  | 112,529 |  |  | 112,897 |  |  | — |  |  | 767 |
Construction and Farmland: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Residential | — |  |  | — |  |  | — |  |  | — |  |  | 3,214 |  |  | 3,214 |  |  | — |  |  | — |
Commercial | 187 |  |  | — |  |  | — |  |  | 187 |  |  | 48,953 |  |  | 49,140 |  |  | — |  |  | — |
Consumer: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Installment | 17 |  |  | — |  |  | 2 |  |  | 19 |  |  | 10,168 |  |  | 10,187 |  |  | — |  |  | 13 |
Residential: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Equity Lines | 18 |  |  | — |  |  | — |  |  | 18 |  |  | 32,820 |  |  | 32,838 |  |  | — |  |  | 44 |
Single family | 829 |  |  | 572 |  |  | 4,060 |  |  | 5,461 |  |  | 184,911 |  |  | 190,372 |  |  | — |  |  | 4,921 |
Multifamily | — |  |  | — |  |  | — |  |  | — |  |  | 4,095 |  |  | 4,095 |  |  | — |  |  | — |
All Other Loans | — |  |  | — |  |  | — |  |  | — |  |  | 2,050 |  |  | 2,050 |  |  | — |  |  | — |
Total | $ | 1,126 |  |  | $ | 950 |  |  | $ | 4,204 |  |  | $ | 6,280 |  |  | $ | 562,958 |  |  | $ | 569,238 |  |  | $ | — |  |  | $ | 6,339 |
Allowance For Loan Losses By Segment | Allowance for loan losses by segment at December 31, 2018, December 31, 2017 and December 31, 2016 were as follows:
| As of and for the Twelve Months Ended
| December 31, 2018
| (in thousands)
| Construction and Farmland |  | Residential Real Estate |  | Commercial Real Estate |  | Commercial |  | Consumer |  | All Other Loans |  | Unallocated |  | Total
Allowance for credit losses: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Beginning Balance | $ | 332 |  |  | $ | 1,754 |  |  | $ | 1,627 |  |  | $ | 570 |  |  | $ | 69 |  |  | $ | 29 |  |  | $ | 30 |  |  | $ | 4,411 |
Charge-Offs | — |  |  | (24 | ) |  | — |  |  | (139 | ) |  | (33 | ) |  | (40 | ) |  | — |  |  | (236 | )
Recoveries | 266 |  |  | 28 |  |  | 78 |  |  | 100 |  |  | 19 |  |  | 13 |  |  | — |  |  | 504 |
Provision (recovery) | (15 | ) |  | 30 |  |  | 283 |  |  | 388 |  |  | (2 | ) |  | 95 |  |  | (2 | ) |  | 777 |
Ending balance | $ | 583 |  |  | $ | 1,788 |  |  | $ | 1,988 |  |  | $ | 919 |  |  | $ | 53 |  |  | $ | 97 |  |  | $ | 28 |  |  | $ | 5,456 |
Ending balance: Individually evaluated for impairment | $ | — |  |  | $ | 119 |  |  | $ | 193 |  |  | $ | 650 |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | 962 |
Ending balance: collectively evaluated for impairment | $ | 583 |  |  | $ | 1,669 |  |  | $ | 1,795 |  |  | $ | 269 |  |  | $ | 53 |  |  | $ | 97 |  |  | $ | 28 |  |  | $ | 4,494 |
Loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Ending balance | $ | 61,926 |  |  | $ | 229,784 |  |  | $ | 265,595 |  |  | $ | 33,086 |  |  | $ | 8,470 |  |  | $ | 8,454 |  |  | $ | — |  |  | $ | 607,315 |
Ending balance individually evaluated for impairment | $ | 280 |  |  | $ | 4,044 |  |  | $ | 2,919 |  |  | $ | 1,316 |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | 8,559 |
Ending balance collectively evaluated for impairment | $ | 61,646 |  |  | $ | 225,740 |  |  | $ | 262,676 |  |  | $ | 31,770 |  |  | $ | 8,470 |  |  | $ | 8,454 |  |  | $ | — |  |  | $ | 598,756 |
| As of and for the Twelve Months Ended
| December 31, 2017
| (in thousands)
| Construction and Farmland |  | Residential Real Estate |  | Commercial Real Estate |  | Commercial |  | 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 | (19 | ) |  | (55 | ) |  | (1 | ) |  | (187 | ) |  | (59 | ) |  | (49 | ) |  | — |  |  | (370 | )
Recoveries | 535 |  |  | 212 |  |  | 65 |  |  | 44 |  |  | 40 |  |  | 5 |  |  | — |  |  | 901 |
Provision (recovery) | (634 | ) |  | (395 | ) |  | 41 |  |  | 478 |  |  | 19 |  |  | 51 |  |  | (185 | ) |  | (625 | )
Ending balance | $ | 332 |  |  | $ | 1,754 |  |  | $ | 1,627 |  |  | $ | 570 |  |  | $ | 69 |  |  | $ | 29 |  |  | $ | 30 |  |  | $ | 4,411 |
Ending balance: Individually evaluated for impairment | $ | — |  |  | $ | 195 |  |  | $ | 59 |  |  | $ | 195 |  |  | $ | 9 |  |  | $ | — |  |  | $ | — |  |  | $ | 458 |
Ending balance: collectively evaluated for impairment | $ | 332 |  |  | $ | 1,559 |  |  | $ | 1,568 |  |  | $ | 375 |  |  | $ | 60 |  |  | $ | 29 |  |  | $ | 30 |  |  | $ | 3,953 |
Loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Ending balance | $ | 52,354 |  |  | $ | 227,305 |  |  | $ | 239,915 |  |  | $ | 37,427 |  |  | $ | 10,187 |  |  | $ | 2,050 |  |  | $ | — |  |  | $ | 569,238 |
Ending balance individually evaluated for impairment | $ | 315 |  |  | $ | 8,315 |  |  | $ | 1,904 |  |  | $ | 858 |  |  | $ | 34 |  |  | $ | — |  |  | $ | — |  |  | $ | 11,426 |
Ending balance collectively evaluated for impairment | $ | 52,039 |  |  | $ | 218,990 |  |  | $ | 238,011 |  |  | $ | 36,569 |  |  | $ | 10,153 |  |  | $ | 2,050 |  |  | $ | — |  |  | $ | 557,812 |
| As of and for the Twelve Months Ended
| December 31, 2016
| (in thousands)
| Construction and Farmland |  | Residential Real Estate |  | Commercial Real Estate |  | Commercial |  | 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 |
Provision (recovery) | (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 |  |  | $ | 2,259 |  |  | $ | — |  |  | $ | 517,125 |
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 |  |  | $ | 2,259 |  |  | $ | — |  |  | $ | 503,745 |
Schedule of Change in Allowance Methodology | The following table represents the effect on the loan loss provision for the twelve months ended December 31, 2018 as a result of the change in allowance methodology from that used in prior periods.
(in thousands) |  | Calculated Provision Based on Current Methodology |  | Calculated Provision Based on Prior Methodology |  | Difference
Portfolio Segment: |  |  |  |  |  |
Construction and Farmland |  | $ | (15 | ) |  | $ | (197 | ) |  | $ | 182 |
Residential Real Estate |  | 30 |  |  | (161 | ) |  | 191 |
Commercial Real Estate |  | 283 |  |  | 140 |  |  | 143 |
Commercial |  | 388 |  |  | 326 |  |  | 62 |
Consumer |  | (2 | ) |  | (7 | ) |  | 5 |
All Other Loans |  | 95 |  |  | 102 |  |  | (7 | )
Total, excluding unallocated |  | $ | 779 |  |  | $ | 203 |  |  | $ | 576 |
Impaired Loans By Class | Impaired loans by class at December 31, 2018 and December 31, 2017 were as follows:
| As of and for the Year Ended
| December 31, 2018
| (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 | $ | 564 |  |  | $ | 356 |  |  | $ | — |  |  | $ | 422 |  |  | $ | 25 |
Commercial Real Estate: |  |  |  |  |  |  |  |  |
Owner Occupied | — |  |  | — |  |  | — |  |  | — |  |  | — |
Non-owner occupied | 558 |  |  | 501 |  |  | — |  |  | 511 |  |  | 4 |
Construction and Farmland: |  |  |  |  |  |  |  |  |
Residential | — |  |  | — |  |  | — |  |  | — |  |  | — |
Commercial | 332 |  |  | 281 |  |  | — |  |  | 297 |  |  | 27 |
Consumer: |  |  |  |  |  |  |  |  |
Installment | — |  |  | — |  |  | — |  |  | — |  |  | — |
Residential: |  |  |  |  |  |  |  |  |
Equity lines | 468 |  |  | 92 |  |  | — |  |  | 93 |  |  | — |
Single family | 2,616 |  |  | 2,499 |  |  | — |  |  | 2,565 |  |  | 101 |
Multifamily | 284 |  |  | 286 |  |  | — |  |  | 289 |  |  | 14 |
Other Loans | — |  |  | — |  |  | — |  |  | — |  |  | — |
| $ | 4,822 |  |  | $ | 4,015 |  |  | $ | — |  |  | $ | 4,177 |  |  | $ | 171 |
With an allowance recorded: |  |  |  |  |  |  |  |  |
Commercial - Non Real Estate: |  |  |  |  |  |  |  |  |
Commercial & Industrial | $ | 971 |  |  | $ | 960 |  |  | $ | 650 |  |  | $ | 1,063 |  |  | $ | 60 |
Commercial Real Estate: |  |  |  |  |  |  |  |  |
Owner Occupied | — |  |  | — |  |  | — |  |  | — |  |  | — |
Non-owner occupied | 2,418 |  |  | 2,425 |  |  | 193 |  |  | 2,454 |  |  | 101 |
Construction and Farmland: |  |  |  |  |  |  |  |  |
Residential | — |  |  | — |  |  | — |  |  | — |  |  | — |
Commercial | — |  |  | — |  |  | — |  |  | — |  |  | — |
Consumer: |  |  |  |  |  |  |  |  |
Installment | — |  |  | — |  |  | — |  |  | — |  |  | — |
Residential: |  |  |  |  |  |  |  |  |
Equity lines | — |  |  | — |  |  | — |  |  | — |  |  | — |
Single family | 1,242 |  |  | 1,190 |  |  | 119 |  |  | 1,204 |  |  | 51 |
Multifamily | — |  |  | — |  |  | — |  |  | — |  |  | — |
Other Loans | — |  |  | — |  |  | — |  |  | — |  |  | — |
| $ | 4,631 |  |  | $ | 4,575 |  |  | $ | 962 |  |  | $ | 4,721 |  |  | $ | 212 |
Total: |  |  |  |  |  |  |  |  |
Commercial | $ | 1,535 |  |  | $ | 1,316 |  |  | $ | 650 |  |  | $ | 1,485 |  |  | $ | 85 |
Commercial Real Estate | 2,976 |  |  | 2,926 |  |  | 193 |  |  | 2,965 |  |  | 105 |
Construction and Farmland | 332 |  |  | 281 |  |  | — |  |  | 297 |  |  | 27 |
Consumer | — |  |  | — |  |  | — |  |  | — |  |  | — |
Residential | 4,610 |  |  | 4,067 |  |  | 119 |  |  | 4,151 |  |  | 166 |
Other | — |  |  | — |  |  | — |  |  | — |  |  | — |
Total | $ | 9,453 |  |  | $ | 8,590 |  |  | $ | 962 |  |  | $ | 8,898 |  |  | $ | 383 |
(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, 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 | $ | 626 |  |  | $ | 304 |  |  | $ | — |  |  | $ | 342 |  |  | $ | 23 |
Commercial Real Estate: |  |  |  |  |  |  |  |  |
Owner Occupied | 330 |  |  | 331 |  |  | — |  |  | 336 |  |  | 15 |
Non-owner occupied | 805 |  |  | 767 |  |  | — |  |  | 785 |  |  | 20 |
Construction and Farmland: |  |  |  |  |  |  |  |  |
Residential | — |  |  | — |  |  | — |  |  | — |  |  | — |
Commercial | 362 |  |  | 316 |  |  | — |  |  | 330 |  |  | 28 |
Consumer: |  |  |  |  |  |  |  |  |
Installment | 25 |  |  | 25 |  |  | — |  |  | 27 |  |  | 1 |
Residential: |  |  |  |  |  |  |  |  |
Equity lines | — |  |  | — |  |  | — |  |  | — |  |  | — |
Single family | 7,371 |  |  | 6,985 |  |  | — |  |  | 7,069 |  |  | 124 |
Multifamily | — |  |  | — |  |  | — |  |  | — |  |  | — |
Other Loans | — |  |  | — |  |  | — |  |  | — |  |  | — |
| $ | 9,519 |  |  | $ | 8,728 |  |  | $ | — |  |  | $ | 8,889 |  |  | $ | 211 |
With an allowance recorded: |  |  |  |  |  |  |  |  |
Commercial - Non Real Estate: |  |  |  |  |  |  |  |  |
Commercial & Industrial | $ | 595 |  |  | $ | 556 |  |  | $ | 195 |  |  | $ | 567 |  |  | $ | 17 |
Commercial Real Estate: |  |  |  |  |  |  |  |  |
Owner Occupied | — |  |  | — |  |  | — |  |  | — |  |  | — |
Non-owner occupied | 806 |  |  | 809 |  |  | 59 |  |  | 817 |  |  | 37 |
Construction and Farmland: |  |  |  |  |  |  |  |  |
Residential | — |  |  | — |  |  | — |  |  | — |  |  | — |
Commercial | — |  |  | — |  |  | — |  |  | — |  |  | — |
Consumer: |  |  |  |  |  |  |  |  |
Installment | 9 |  |  | 9 |  |  | 9 |  |  | 9 |  |  | — |
Residential: |  |  |  |  |  |  |  |  |
Equity lines | 217 |  |  | 44 |  |  | 44 |  |  | 45 |  |  | — |
Single family | 1,349 |  |  | 1,299 |  |  | 151 |  |  | 1,315 |  |  | 57 |
Multifamily | — |  |  | — |  |  | — |  |  | — |  |  | — |
Other Loans | — |  |  | — |  |  | — |  |  | — |  |  | — |
| $ | 2,976 |  |  | $ | 2,717 |  |  | $ | 458 |  |  | $ | 2,753 |  |  | $ | 111 |
Total: |  |  |  |  |  |  |  |  |
Commercial | $ | 1,221 |  |  | $ | 860 |  |  | $ | 195 |  |  | $ | 909 |  |  | $ | 40 |
Commercial Real Estate | 1,941 |  |  | 1,907 |  |  | 59 |  |  | 1,938 |  |  | 72 |
Construction and Farmland | 362 |  |  | 316 |  |  | — |  |  | 330 |  |  | 28 |
Consumer | 34 |  |  | 34 |  |  | 9 |  |  | 36 |  |  | 1 |
Residential | 8,937 |  |  | 8,328 |  |  | 195 |  |  | 8,429 |  |  | 181 |
Other | — |  |  | — |  |  | — |  |  | — |  |  | — |
Total | $ | 12,495 |  |  | $ | 11,445 |  |  | $ | 458 |  |  | $ | 11,642 |  |  | $ | 322 |
Credit Quality Information By Class | Credit quality information by class at December 31, 2018 and December 31, 2017 was as follows:
| As of
| December 31, 2018
| (in thousands)
INTERNAL RISK RATING GRADES | Pass |  | Pass Monitored |  | Special Mention |  | Substandard |  | Doubtful |  | Loss |  | Total
Commercial - Non Real Estate: |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial & Industrial | $ | 28,699 |  |  | $ | 2,292 |  |  | $ | 995 |  |  | $ | 1,100 |  |  | $ | — |  |  | $ | — |  |  | $ | 33,086 |
Commercial Real Estate: |  |  |  |  |  |  |  |  |  |  |  |  |
Owner Occupied | 110,418 |  |  | 16,665 |  |  | 9,187 |  |  | 39 |  |  | — |  |  | — |  |  | 136,309 |
Non-owner occupied | 106,658 |  |  | 17,139 |  |  | 3,397 |  |  | 2,092 |  |  | — |  |  | — |  |  | 129,286 |
Construction and Farmland: |  |  |  |  |  |  |  |  |  |  |  |  |
Residential | 2,295 |  |  | 1,120 |  |  | 3,291 |  |  | — |  |  | — |  |  | — |  |  | 6,706 |
Commercial | 16,682 |  |  | 22,533 |  |  | 15,658 |  |  | 347 |  |  | — |  |  | — |  |  | 55,220 |
Residential: |  |  |  |  |  |  |  |  |  |  |  |  |
Equity Lines | 31,813 |  |  | 910 |  |  | — |  |  | 16 |  |  | 76 |  |  | — |  |  | 32,815 |
Single family | 172,360 |  |  | 11,567 |  |  | 2,704 |  |  | 2,270 |  |  | 145 |  |  | — |  |  | 189,046 |
Multifamily | 7,160 |  |  | 479 |  |  | — |  |  | 284 |  |  | — |  |  | — |  |  | 7,923 |
All other loans | 8,435 |  |  | 19 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 8,454 |
Total | $ | 484,520 |  |  | $ | 72,724 |  |  | $ | 35,232 |  |  | $ | 6,148 |  |  | $ | 221 |  |  | $ | — |  |  | $ | 598,845 |
| Performing |  | Nonperforming
Consumer Credit Exposure by Payment Activity | $ | 8,466 |  |  | $ | 4 |
| As of
| December 31, 2017
| (in thousands)
INTERNAL RISK RATING GRADES | Pass |  | Pass Monitored |  | Special Mention |  | Substandard |  | Doubtful |  | Loss |  | Total
Commercial - Non Real Estate: |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial & Industrial | $ | 33,279 |  |  | $ | 1,788 |  |  | $ | 1,748 |  |  | $ | 612 |  |  | $ | — |  |  | $ | — |  |  | $ | 37,427 |
Commercial Real Estate: |  |  |  |  |  |  |  |  |  |  |  |  |
Owner Occupied | 112,649 |  |  | 10,893 |  |  | 3,146 |  |  | 330 |  |  | — |  |  | — |  |  | 127,018 |
Non-owner occupied | 82,050 |  |  | 17,992 |  |  | 12,088 |  |  | 767 |  |  | — |  |  | — |  |  | 112,897 |
Construction and Farmland: |  |  |  |  |  |  |  |  |  |  |  |  |
Residential | 2,614 |  |  | 600 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 3,214 |
Commercial | 30,093 |  |  | 17,069 |  |  | 1,663 |  |  | 315 |  |  | — |  |  | — |  |  | 49,140 |
Residential: |  |  |  |  |  |  |  |  |  |  |  |  |
Equity Lines | 32,495 |  |  | 299 |  |  | — |  |  | — |  |  | 44 |  |  | — |  |  | 32,838 |
Single family | 177,829 |  |  | 5,869 |  |  | 155 |  |  | 6,327 |  |  | 192 |  |  | — |  |  | 190,372 |
Multifamily | 3,588 |  |  | — |  |  | 507 |  |  | — |  |  | — |  |  | — |  |  | 4,095 |
All other loans | 2,050 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 2,050 |
Total | $ | 476,647 |  |  | $ | 54,510 |  |  | $ | 19,307 |  |  | $ | 8,351 |  |  | $ | 236 |  |  | $ | — |  |  | $ | 559,051 |
| Performing |  | Nonperforming
Consumer Credit Exposure by Payment Activity | $ | 10,168 |  |  | $ | 19 |

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