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Loans and Allowance for Loan Losses (Tables) | 6 Months Ended
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Jun. 30, 2020
Receivables [Abstract] |
Schedule Of Composition Of Loans | The composition of loans at June 30, 2020 and December 31, 2019 was as follows:
|  | June 30, |  | December 31,
|  | 2020 |  | 2019
|  | (in thousands)
Mortgage loans on real estate: |  |  |  |
Construction and land development |  | $ | 35,076 |  |  | $ | 42,561 |
Secured by farmland |  | 24,497 |  |  | 13,917 |
Secured by 1-4 family residential properties |  | 239,251 |  |  | 219,580 |
Multifamily |  | 15,675 |  |  | 14,415 |
Commercial |  | 312,350 |  |  | 286,600 |
Commercial and industrial loans |  | 134,229 |  |  | 46,543 |
Consumer installment loans |  | 16,470 |  |  | 9,541 |
All other loans |  | 11,572 |  |  | 12,050 |
Total loans |  | $ | 789,120 |  |  | $ | 645,207 |
Net deferred loan costs (fees) |  | (186 | ) |  | (447 | )
Allowance for loan losses |  | (6,365 | ) |  | (4,973 | )
Net Loans |  | $ | 782,569 |  |  | $ | 639,787 |
Changes In Allowance For Loan Losses | Changes in the allowance for loan losses for the six months ended June 30, 2020 and 2019 and the year ended December 31, 2019 were as follows:
| Six Months Ended |  | Year Ended |  | Six Months Ended
| June 30, |  | December 31, |  | June 30,
| 2020 |  | 2019 |  | 2019
|  |  | (in thousands) |  |
Balance, beginning | $ | 4,973 |  |  | $ | 5,456 |  |  | $ | 5,456 |
Provision for loan losses | 655 |  |  | 629 |  |  | 450 |
Recoveries added to the allowance | 880 |  |  | 201 |  |  | 99 |
Loan losses charged to the allowance | (143 | ) |  | (1,313 | ) |  | (970 | )
Balance, ending | $ | 6,365 |  |  | $ | 4,973 |  |  | $ | 5,035 |
Nonaccrual And Past Due Loans By Class | Nonaccrual and past due loans by class at June 30, 2020 and December 31, 2019 were as follows:
| June 30, 2020
| (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 | $ | 46 |  |  | $ | 79 |  |  | $ | — |  |  | $ | 125 |  |  | $ | 134,104 |  |  | $ | 134,229 |  |  | $ | — |  |  | $ | — |
Commercial Real Estate: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Owner Occupied | — |  |  | 827 |  |  | 54 |  |  | 881 |  |  | 160,388 |  |  | 161,269 |  |  | 665 |  |  | 1,289 |
Non-owner occupied | 62 |  |  | — |  |  | — |  |  | 62 |  |  | 151,019 |  |  | 151,081 |  |  | — |  |  | 1,801 |
Construction and Farmland: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Residential | — |  |  | — |  |  | — |  |  | — |  |  | 8,096 |  |  | 8,096 |  |  | — |  |  | — |
Commercial | 1,054 |  |  | — |  |  | 187 |  |  | 1,241 |  |  | 50,236 |  |  | 51,477 |  |  | — |  |  | 187 |
Consumer: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Installment | 35 |  |  | 32 |  |  | — |  |  | 67 |  |  | 16,403 |  |  | 16,470 |  |  | — |  |  | 7 |
Residential: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Equity Lines | — |  |  | — |  |  | 147 |  |  | 147 |  |  | 31,511 |  |  | 31,658 |  |  | — |  |  | 200 |
Single family | 366 |  |  | 336 |  |  | 171 |  |  | 873 |  |  | 206,720 |  |  | 207,593 |  |  | — |  |  | 754 |
Multifamily | — |  |  | — |  |  | — |  |  | — |  |  | 15,675 |  |  | 15,675 |  |  | — |  |  | — |
All Other Loans | — |  |  | — |  |  | — |  |  | — |  |  | 11,572 |  |  | 11,572 |  |  | — |  |  | — |
Total | $ | 1,563 |  |  | $ | 1,274 |  |  | $ | 559 |  |  | $ | 3,396 |  |  | $ | 785,724 |  |  | $ | 789,120 |  |  | $ | 665 |  |  | $ | 4,238 |
| December 31, 2019
| (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 | $ | 47 |  |  | $ | — |  |  | $ | 32 |  |  | $ | 79 |  |  | $ | 46,464 |  |  | $ | 46,543 |  |  | $ | — |  |  | $ | 32 |
Commercial Real Estate: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Owner Occupied | 1,078 |  |  | — |  |  | — |  |  | 1,078 |  |  | 147,879 |  |  | 148,957 |  |  | — |  |  | 320 |
Non-owner occupied | — |  |  | — |  |  | — |  |  | — |  |  | 137,643 |  |  | 137,643 |  |  | — |  |  | 329 |
Construction and Farmland: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Residential | — |  |  | — |  |  | — |  |  | — |  |  | 7,867 |  |  | 7,867 |  |  | — |  |  | — |
Commercial | — |  |  | — |  |  | 187 |  |  | 187 |  |  | 48,424 |  |  | 48,611 |  |  | — |  |  | 187 |
Consumer: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Installment | 55 |  |  | 6 |  |  | — |  |  | 61 |  |  | 9,480 |  |  | 9,541 |  |  | — |  |  | 8 |
Residential: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Equity Lines | 121 |  |  | — |  |  | — |  |  | 121 |  |  | 33,127 |  |  | 33,248 |  |  | — |  |  | 65 |
Single family | 471 |  |  | 541 |  |  | 1,251 |  |  | 2,263 |  |  | 184,069 |  |  | 186,332 |  |  | — |  |  | 1,244 |
Multifamily | — |  |  | — |  |  | — |  |  | — |  |  | 14,415 |  |  | 14,415 |  |  | — |  |  | — |
All Other Loans | — |  |  | — |  |  | — |  |  | — |  |  | 12,050 |  |  | 12,050 |  |  | — |  |  | — |
Total | $ | 1,772 |  |  | $ | 547 |  |  | $ | 1,470 |  |  | $ | 3,789 |  |  | $ | 641,418 |  |  | $ | 645,207 |  |  | $ | — |  |  | $ | 2,185 |
Allowance For Loan Losses By Segment | Allowance for loan losses by segment at June 30, 2020 and December 31, 2019 were as follows:
| As of and For the Six Months Ended
| June 30, 2020
| (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 | $ | 446 |  |  | $ | 1,601 |  |  | $ | 1,991 |  |  | $ | 565 |  |  | $ | 54 |  |  | $ | 120 |  |  | $ | 196 |  |  | $ | 4,973 |
Charge-Offs | — |  |  | — |  |  | — |  |  | (49 | ) |  | (71 | ) |  | (23 | ) |  | — |  |  | (143 | )
Recoveries | 3 |  |  | 57 |  |  | 302 |  |  | 484 |  |  | 28 |  |  | 6 |  |  | — |  |  | 880 |
Provision for (recovery of) loan losses | 53 |  |  | 378 |  |  | 243 |  |  | (315 | ) |  | 113 |  |  | 17 |  |  | 166 |  |  | 655 |
Ending balance | $ | 502 |  |  | $ | 2,036 |  |  | $ | 2,536 |  |  | $ | 685 |  |  | $ | 124 |  |  | $ | 120 |  |  | $ | 362 |  |  | $ | 6,365 |
Ending balance: Individually evaluated for impairment | $ | 100 |  |  | $ | 30 |  |  | $ | 130 |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | 260 |
Ending balance: collectively evaluated for impairment | $ | 402 |  |  | $ | 2,006 |  |  | $ | 2,406 |  |  | $ | 685 |  |  | $ | 124 |  |  | $ | 120 |  |  | $ | 362 |  |  | $ | 6,105 |
Loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Ending balance | $ | 59,573 |  |  | $ | 254,926 |  |  | $ | 312,350 |  |  | $ | 134,229 |  |  | $ | 16,470 |  |  | $ | 11,572 |  |  | $ | — |  |  | $ | 789,120 |
Ending balance individually evaluated for impairment | $ | 228 |  |  | $ | 2,886 |  |  | $ | 3,848 |  |  | $ | 176 |  |  | $ | 7 |  |  | $ | — |  |  | $ | — |  |  | $ | 7,145 |
Ending balance collectively evaluated for impairment | $ | 59,345 |  |  | $ | 252,040 |  |  | $ | 308,502 |  |  | $ | 134,053 |  |  | $ | 16,463 |  |  | $ | 11,572 |  |  | $ | — |  |  | $ | 781,975 |
| As of and for the Twelve Months Ended
| December 31, 2019
| (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 | $ | 583 |  |  | $ | 1,788 |  |  | $ | 1,988 |  |  | $ | 919 |  |  | $ | 53 |  |  | $ | 97 |  |  | $ | 28 |  |  | $ | 5,456 |
Charge-Offs | — |  |  | (406 | ) |  | — |  |  | (850 | ) |  | (5 | ) |  | (52 | ) |  | — |  |  | (1,313 | )
Recoveries | 8 |  |  | 72 |  |  | 20 |  |  | 52 |  |  | 26 |  |  | 23 |  |  | — |  |  | 201 |
Provision for (recovery of) loan losses | (145 | ) |  | 147 |  |  | (17 | ) |  | 444 |  |  | (20 | ) |  | 52 |  |  | 168 |  |  | 629 |
Ending balance | $ | 446 |  |  | $ | 1,601 |  |  | $ | 1,991 |  |  | $ | 565 |  |  | $ | 54 |  |  | $ | 120 |  |  | $ | 196 |  |  | $ | 4,973 |
Ending balance: Individually evaluated for impairment | $ | 100 |  |  | $ | 51 |  |  | $ | 149 |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | 300 |
Ending balance: collectively evaluated for impairment | $ | 346 |  |  | $ | 1,550 |  |  | $ | 1,842 |  |  | $ | 565 |  |  | $ | 54 |  |  | $ | 120 |  |  | $ | 196 |  |  | $ | 4,673 |
Loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Ending balance | $ | 56,478 |  |  | $ | 233,995 |  |  | $ | 286,600 |  |  | $ | 46,543 |  |  | $ | 9,541 |  |  | $ | 12,050 |  |  | $ | — |  |  | $ | 645,207 |
Ending balance individually evaluated for impairment | $ | 433 |  |  | $ | 3,681 |  |  | $ | 3,053 |  |  | $ | 228 |  |  | $ | 8 |  |  | $ | — |  |  | $ | — |  |  | $ | 7,403 |
Ending balance collectively evaluated for impairment | $ | 56,045 |  |  | $ | 230,314 |  |  | $ | 283,547 |  |  | $ | 46,315 |  |  | $ | 9,533 |  |  | $ | 12,050 |  |  | $ | — |  |  | $ | 637,804 |
Impaired Loans By Class | Impaired loans by class as of and for the periods ended June 30, 2020 and December 31, 2019 were as follows:
| As of and For the Six Months Ended
| June 30, 2020
| (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 | $ | 425 |  |  | $ | 176 |  |  | $ | — |  |  | $ | 207 |  |  | $ | 13 |
Commercial Real Estate: |  |  |  |  |  |  |  |  |
Owner Occupied | 1,313 |  |  | 1,289 |  |  | — |  |  | 1,306 |  |  | 17 |
Non-owner occupied | 293 |  |  | 208 |  |  | — |  |  | 251 |  |  | — |
Construction and Farmland: |  |  |  |  |  |  |  |  |
Residential | — |  |  | — |  |  | — |  |  | — |  |  | — |
Commercial | 50 |  |  | 41 |  |  | — |  |  | 43 |  |  | 2 |
Consumer: |  |  |  |  |  |  |  |  |
Installment | 8 |  |  | 7 |  |  | — |  |  | 8 |  |  | — |
Residential: |  |  |  |  |  |  |  |  |
Equity lines | 423 |  |  | 200 |  |  | — |  |  | 201 |  |  | 1 |
Single family | 2,486 |  |  | 2,087 |  |  | — |  |  | 2,155 |  |  | 31 |
Multifamily | — |  |  | — |  |  | — |  |  | — |  |  | — |
Other Loans | — |  |  | — |  |  | — |  |  | — |  |  | — |
| $ | 4,998 |  |  | $ | 4,008 |  |  | $ | — |  |  | $ | 4,171 |  |  | $ | 64 |
With an allowance recorded: |  |  |  |  |  |  |  |  |
Commercial - Non Real Estate: |  |  |  |  |  |  |  |  |
Commercial & Industrial | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |
Commercial Real Estate: |  |  |  |  |  |  |  |  |
Owner Occupied | — |  |  | — |  |  | — |  |  | — |  |  | — |
Non-owner occupied | 2,354 |  |  | 2,354 |  |  | 130 |  |  | 2,360 |  |  | 36 |
Construction and Farmland: |  |  |  |  |  |  |  |  |
Residential | — |  |  | — |  |  | — |  |  | — |  |  | — |
Commercial | 187 |  |  | 187 |  |  | 100 |  |  | 187 |  |  | — |
Consumer: |  |  |  |  |  |  |  |  |
Installment | — |  |  | — |  |  | — |  |  | — |  |  | — |
Residential: |  |  |  |  |  |  |  |  |
Equity lines | — |  |  | — |  |  | — |  |  | — |  |  | — |
Single family | 684 |  |  | 664 |  |  | 30 |  |  | 668 |  |  | 13 |
Multifamily | — |  |  | — |  |  | — |  |  | — |  |  | — |
Other Loans | — |  |  | — |  |  | — |  |  | — |  |  | — |
| $ | 3,225 |  |  | $ | 3,205 |  |  | $ | 260 |  |  | $ | 3,215 |  |  | $ | 49 |
Total: |  |  |  |  |  |  |  |  |
Commercial | $ | 425 |  |  | $ | 176 |  |  | $ | — |  |  | $ | 207 |  |  | $ | 13 |
Commercial Real Estate | 3,960 |  |  | 3,851 |  |  | 130 |  |  | 3,917 |  |  | 53 |
Construction and Farmland | 237 |  |  | 228 |  |  | 100 |  |  | 230 |  |  | 2 |
Consumer | 8 |  |  | 7 |  |  | — |  |  | 8 |  |  | — |
Residential | 3,593 |  |  | 2,951 |  |  | 30 |  |  | 3,024 |  |  | 45 |
Other | — |  |  | — |  |  | — |  |  | — |  |  | — |
Total | $ | 8,223 |  |  | $ | 7,213 |  |  | $ | 260 |  |  | $ | 7,386 |  |  | $ | 113 |
(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. Accrued interest and net deferred loan fees or costs totaled $68 thousand at June 30, 2020.
| As of and for the Twelve Months End
| December 31, 2019
| (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 | $ | 364 |  |  | $ | 228 |  |  | $ | — |  |  | $ | 269 |  |  | $ | 21 |
Commercial Real Estate: |  |  |  |  |  |  |  |  |
Owner Occupied | 369 |  |  | 356 |  |  | — |  |  | 358 |  |  | 4 |
Non-owner occupied | 407 |  |  | 329 |  |  | — |  |  | 335 |  |  | — |
Construction and Farmland: |  |  |  |  |  |  |  |  |
Residential | — |  |  | — |  |  | — |  |  | — |  |  | — |
Commercial | 301 |  |  | 246 |  |  | — |  |  | 263 |  |  | 25 |
Consumer: |  |  |  |  |  |  |  |  |
Installment | 9 |  |  | 8 |  |  | — |  |  | 9 |  |  | — |
Residential: |  |  |  |  |  |  |  |  |
Equity lines | 276 |  |  | 65 |  |  | — |  |  | 68 |  |  | 1 |
Single family | 2,854 |  |  | 2,435 |  |  | — |  |  | 2,583 |  |  | 80 |
Multifamily | 366 |  |  | 367 |  |  | — |  |  | 375 |  |  | 21 |
Other Loans | — |  |  | — |  |  | — |  |  | — |  |  | — |
| $ | 4,946 |  |  | $ | 4,034 |  |  | $ | — |  |  | $ | 4,260 |  |  | $ | 152 |
With an allowance recorded: |  |  |  |  |  |  |  |  |
Commercial - Non Real Estate: |  |  |  |  |  |  |  |  |
Commercial & Industrial | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |
Commercial Real Estate: |  |  |  |  |  |  |  |  |
Owner Occupied | — |  |  | — |  |  | — |  |  | — |  |  | — |
Non-owner occupied | 2,369 |  |  | 2,377 |  |  | 149 |  |  | 2,405 |  |  | 103 |
Construction and Farmland: |  |  |  |  |  |  |  |  |
Residential | — |  |  | — |  |  | — |  |  | — |  |  | — |
Commercial | 187 |  |  | 187 |  |  | 100 |  |  | 187 |  |  | 8 |
Consumer: |  |  |  |  |  |  |  |  |
Installment | — |  |  | — |  |  | — |  |  | — |  |  | — |
Residential: |  |  |  |  |  |  |  |  |
Equity lines | — |  |  | — |  |  | — |  |  | — |  |  | — |
Single family | 879 |  |  | 822 |  |  | 51 |  |  | 833 |  |  | 38 |
Multifamily | — |  |  | — |  |  | — |  |  | — |  |  | — |
Other Loans | — |  |  | — |  |  | — |  |  | — |  |  | — |
| $ | 3,435 |  |  | $ | 3,386 |  |  | $ | 300 |  |  | $ | 3,425 |  |  | $ | 149 |
Total: |  |  |  |  |  |  |  |  |
Commercial | $ | 364 |  |  | $ | 228 |  |  | $ | — |  |  | $ | 269 |  |  | $ | 21 |
Commercial Real Estate | 3,145 |  |  | 3,062 |  |  | 149 |  |  | 3,098 |  |  | 107 |
Construction and Farmland | 488 |  |  | 433 |  |  | 100 |  |  | 450 |  |  | 33 |
Consumer | 9 |  |  | 8 |  |  | — |  |  | 9 |  |  | — |
Residential | 4,375 |  |  | 3,689 |  |  | 51 |  |  | 3,859 |  |  | 140 |
Other | — |  |  | — |  |  | — |  |  | — |  |  | — |
Total | $ | 8,381 |  |  | $ | 7,420 |  |  | $ | 300 |  |  | $ | 7,685 |  |  | $ | 301 |
Credit Quality Information By Class | Credit quality information by class at June 30, 2020 and December 31, 2019 was as follows:
| As of
| June 30, 2020
| (in thousands)
INTERNAL RISK RATING GRADES | Pass |  | Pass Monitored |  | Special Mention |  | Substandard |  | Doubtful |  | Loss |  | Total
Commercial - Non Real Estate: |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial & Industrial | $ | 130,182 |  |  | $ | 3,937 |  |  | $ | 100 |  |  | $ | 10 |  |  | $ | — |  |  | $ | — |  |  | $ | 134,229 |
Commercial Real Estate: |  |  |  |  |  |  |  |  |  |  |  |  |
Owner Occupied | 125,775 |  |  | 28,941 |  |  | 5,264 |  |  | 1,289 |  |  | — |  |  | — |  |  | 161,269 |
Non-owner occupied | 112,841 |  |  | 32,884 |  |  | 3,555 |  |  | 1,801 |  |  | — |  |  | — |  |  | 151,081 |
Construction and Farmland: |  |  |  |  |  |  |  |  |  |  |  |  |
Residential | 6,844 |  |  | 1,252 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 8,096 |
Commercial | 18,363 |  |  | 30,089 |  |  | 2,738 |  |  | 287 |  |  | — |  |  | — |  |  | 51,477 |
Residential: |  |  |  |  |  |  |  |  |  |  |  |  |
Equity Lines | 31,332 |  |  | 126 |  |  | — |  |  | 186 |  |  | 14 |  |  | — |  |  | 31,658 |
Single family | 184,277 |  |  | 20,052 |  |  | 1,346 |  |  | 1,786 |  |  | 132 |  |  | — |  |  | 207,593 |
Multifamily | 10,221 |  |  | 1,957 |  |  | 3,497 |  |  | — |  |  | — |  |  | — |  |  | 15,675 |
All other loans | 11,527 |  |  | — |  |  | 45 |  |  | — |  |  | — |  |  | — |  |  | 11,572 |
Total | $ | 631,362 |  |  | $ | 119,238 |  |  | $ | 16,545 |  |  | $ | 5,359 |  |  | $ | 146 |  |  | $ | — |  |  | $ | 772,650 |
| Performing |  | Nonperforming
Consumer Credit Exposure by Payment Activity | $ | 16,403 |  |  | $ | 67 |
| As of
| December 31, 2019
| (in thousands)
INTERNAL RISK RATING GRADES | Pass |  | Pass Monitored |  | Special Mention |  | Substandard |  | Doubtful |  | Loss |  | Total
Commercial - Non Real Estate: |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial & Industrial | $ | 42,578 |  |  | $ | 3,815 |  |  | $ | 105 |  |  | $ | 45 |  |  | $ | — |  |  | $ | — |  |  | $ | 46,543 |
Commercial Real Estate: |  |  |  |  |  |  |  |  |  |  |  |  |
Owner Occupied | 103,958 |  |  | 38,989 |  |  | 5,654 |  |  | 356 |  |  | — |  |  | — |  |  | 148,957 |
Non-owner occupied | 103,909 |  |  | 25,939 |  |  | 5,866 |  |  | 1,929 |  |  | — |  |  | — |  |  | 137,643 |
Construction and Farm land: |  |  |  |  |  |  |  |  |  |  |  |  |
Residential | 5,094 |  |  | 2,773 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 7,867 |
Commercial | 17,018 |  |  | 30,661 |  |  | 437 |  |  | 495 |  |  | — |  |  | — |  |  | 48,611 |
Residential: |  |  |  |  |  |  |  |  |  |  |  |  |
Equity Lines | 32,295 |  |  | 889 |  |  | — |  |  | 42 |  |  | 22 |  |  | — |  |  | 33,248 |
Single family | 162,195 |  |  | 19,427 |  |  | 2,347 |  |  | 2,225 |  |  | 138 |  |  | — |  |  | 186,332 |
Multifamily | 11,714 |  |  | 1,337 |  |  | 998 |  |  | 366 |  |  | — |  |  | — |  |  | 14,415 |
All other loans | 11,963 |  |  | 40 |  |  | 47 |  |  | — |  |  | — |  |  | — |  |  | 12,050 |
Total | $ | 490,724 |  |  | $ | 123,870 |  |  | $ | 15,454 |  |  | $ | 5,458 |  |  | $ | 160 |  |  | $ | — |  |  | $ | 635,666 |
| Performing |  | Nonperforming
Consumer Credit Exposure by Payment Activity | $ | 9,480 |  |  | $ | 61 |

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