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Note 4 - Allowance for Loan Losses, Nonperforming Assets and Impaired Loans (Tables) | 6 Months Ended
--- | ---
Jun. 30, 2015
Disclosure Text Block Supplement [Abstract] |
Allowance for Credit Losses on Financing Receivables [Table Text Block] |
|  | A ctivity in the Allowance for Loan Losses for the Six Months Ended June 30, 2015 |
|  | Real Estate Construction |  |  | Consumer Real Estate |  |  | Commercial Real Estate |  |  | Commercial Non Real Estate |  |  | Public Sector and IDA |  |  | Consumer Non Real Estate |  |  | Unallocated |  |  | Total |
Balance, December 31, 2014 |  | $ | 612 |  |  | $ | 1,662 |  |  | $ | 3,537 |  |  | $ | 1,475 |  |  | $ | 327 |  |  | $ | 602 |  |  | $ | 48 |  |  | $ | 8,263 |
Charge-offs |  |  | --- |  |  |  | (201 | ) |  |  | (116 | ) |  |  | (330 | ) |  |  | --- |  |  |  | (129 | ) |  |  | --- |  |  |  | (776 | )
Recoveries |  |  | --- |  |  |  | 1 |  |  |  | 24 |  |  |  | --- |  |  |  | --- |  |  |  | 63 |  |  |  | --- |  |  |  | 88 |
Provision for loan losses |  |  | (136 | ) |  |  | 375 |  |  |  | 373 |  |  |  | (204 | ) |  |  | 159 |  |  |  | (22 | ) |  |  | 11 |  |  |  | 556 |
Balance, June 30, 2015 |  | $ | 476 |  |  | $ | 1,837 |  |  | $ | 3,818 |  |  | $ | 941 |  |  | $ | 486 |  |  | $ | 514 |  |  | $ | 59 |  |  | $ | 8,131 |
|  | A ctivity in the Allowance for Loan Losses for the Six Months Ended June 30, 2014 |
|  | Real Estate Construction |  |  | Consumer Real Estate |  |  | Commercial Real Estate |  |  | Commercial Non Real Estate |  |  | Public Sector and IDA |  |  | Consumer Non Real Estate |  |  | Unallocated |  |  | Total |
Balance, December 31, 2013 |  | $ | 863 |  |  | $ | 1,697 |  |  | $ | 3,685 |  |  | $ | 989 |  |  | $ | 132 |  |  | $ | 576 |  |  | $ | 285 |  |  | $ | 8,227 |
Charge-offs |  |  | (2 | ) |  |  | (70 | ) |  |  | (943 | ) |  |  | (79 | ) |  |  | --- |  |  |  | (150 | ) |  |  | --- |  |  |  | (1,244 | )
Recoveries |  |  | --- |  |  |  | --- |  |  |  | 25 |  |  |  | 131 |  |  |  | --- |  |  |  | 28 |  |  |  | --- |  |  |  | 184 |
Provision for loan losses |  |  | (198 | ) |  |  | (73 | ) |  |  | 1,023 |  |  |  | 15 |  |  |  | 146 |  |  |  | 98 |  |  |  | (207 | ) |  |  | 804 |
Balance, June 30, 2014 |  | $ | 663 |  |  | $ | 1,554 |  |  | $ | 3,790 |  |  | $ | 1,056 |  |  | $ | 278 |  |  | $ | 552 |  |  | $ | 78 |  |  | $ | 7,971 |
|  | A ctivity in the Allowance for Loan Losses for the Year Ended December 31, 2014 |
|  | Real Estate Construction |  |  | Consumer Real Estate |  |  | Commercial Real Estate |  |  | Commercial Non Real Estate |  |  | Public Sector and IDA |  |  | Consumer Non Real Estate |  |  | Unallocated |  |  | Total |
Balance, December 31, 2013 |  | $ | 863 |  |  | $ | 1,697 |  |  | $ | 3,685 |  |  | $ | 989 |  |  | $ | 132 |  |  | $ | 576 |  |  | $ | 285 |  |  | $ | 8,227 |
Charge-offs |  |  | (2 | ) |  |  | (222 | ) |  |  | (1,201 | ) |  |  | (89 | ) |  |  | --- |  |  |  | (346 | ) |  |  | --- |  |  |  | (1,860 | )
Recoveries |  |  | --- |  |  |  | --- |  |  |  | 50 |  |  |  | 132 |  |  |  | --- |  |  |  | 73 |  |  |  | --- |  |  |  | 255 |
Provision for loan losses |  |  | (249 | ) |  |  | 187 |  |  |  | 1,003 |  |  |  | 443 |  |  |  | 195 |  |  |  | 299 |  |  |  | (237 | ) |  |  | 1,641 |
Balance, December 31, 2014 |  | $ | 612 |  |  | $ | 1,662 |  |  | $ | 3,537 |  |  | $ | 1,475 |  |  | $ | 327 |  |  | $ | 602 |  |  | $ | 48 |  |  | $ | 8,263 |
Schedule of Credit Losses Related to Financing Receivables, Current and Noncurrent [Table Text Block] |
|  | Allowance for Loan Losses as of June 30, 2015 |
|  | Real Estate Construction |  |  | Consumer Real Estate |  |  | Commercial Real Estate |  |  | Commercial Non Real Estate |  |  | Public Sector and IDA |  |  | Consumer Non Real Estate |  |  | Unallocated |  |  | Total |
Individually evaluated for impairment |  | $ | --- |  |  | $ | 13 |  |  | $ | 138 |  |  | $ | --- |  |  | $ | --- |  |  | $ | --- |  |  | $ | --- |  |  | $ | 151 |
Collectively evaluated for impairment |  |  | 476 |  |  |  | 1,824 |  |  |  | 3,680 |  |  |  | 941 |  |  |  | 486 |  |  |  | 514 |  |  |  | 59 |  |  |  | 7,980 |
Total |  | $ | 476 |  |  | $ | 1,837 |  |  | $ | 3,818 |  |  | $ | 941 |  |  | $ | 486 |  |  | $ | 514 |  |  | $ | 59 |  |  | $ | 8,131 |
|  | Allowance for Loan Losses as of December 31, 2014 |
|  | Real Estate Construction |  |  | Consumer Real Estate |  |  | Commercial Real Estate |  |  | Commercial Non Real Estate |  |  | Public Sector and IDA |  |  | Consumer Non Real Estate |  |  | Unallocated |  |  | Total |
Individually evaluated for impairment |  | $ | --- |  |  | $ | 14 |  |  | $ | 258 |  |  | $ | 10 |  |  | $ | --- |  |  | $ | --- |  |  | $ | --- |  |  | $ | 282 |
Collectively evaluated for impairment |  |  | 612 |  |  |  | 1,648 |  |  |  | 3,279 |  |  |  | 1,465 |  |  |  | 327 |  |  |  | 602 |  |  |  | 48 |  |  |  | 7,981 |
Total |  | $ | 612 |  |  | $ | 1,662 |  |  | $ | 3,537 |  |  | $ | 1,475 |  |  | $ | 327 |  |  | $ | 602 |  |  | $ | 48 |  |  | $ | 8,263 |
|  | Loans as of June 30, 2015 |
|  | Real Estate Construction |  |  | Consumer Real Estate |  |  | Commercial Real Estate |  |  | Commercial Non Real Estate |  |  | Public Sector and IDA |  |  | Consumer Non Real Estate |  |  | Unallocated |  |  | Total |
Individually evaluated for impairment |  | $ | --- |  |  | $ | 798 |  |  | $ | 13,375 |  |  | $ | 512 |  |  | $ | --- |  |  | $ | --- |  |  | $ | --- |  |  | $ | 14,685 |
Collectively evaluated for impairment |  |  | 42,246 |  |  |  | 145,412 |  |  |  | 309,959 |  |  |  | 32,461 |  |  |  | 53,383 |  |  |  | 29,639 |  |  |  | --- |  |  |  | 613,100 |
Total loans |  | $ | 42,246 |  |  | $ | 146,210 |  |  | $ | 323,334 |  |  | $ | 32,973 |  |  | $ | 53,383 |  |  | $ | 29,639 |  |  | $ | --- |  |  | $ | 627,785 |
|  | Loans as of December 31, 2014 |
|  | Real Estate Construction |  |  | Consumer Real Estate |  |  | Commercial Real Estate |  |  | Commercial Non Real Estate |  |  | Public Sector and IDA |  |  | Consumer Non Real Estate |  |  | Unallocated |  |  | Total |
Individually evaluated for impairment |  | $ | --- |  |  | $ | 819 |  |  | $ | 13,624 |  |  | $ | 678 |  |  | $ | --- |  |  | $ | --- |  |  | $ | --- |  |  | $ | 15,121 |
Collectively evaluated for impairment |  |  | 45,562 |  |  |  | 146,220 |  |  |  | 297,138 |  |  |  | 32,735 |  |  |  | 41,361 |  |  |  | 28,182 |  |  |  | --- |  |  |  | 591,198 |
Total |  | $ | 45,562 |  |  | $ | 147,039 |  |  | $ | 310,762 |  |  | $ | 33,413 |  |  | $ | 41,361 |  |  | $ | 28,182 |  |  | $ | --- |  |  | $ | 606,319 |
Schedule of Ratios for Allowance for Loan Losses [Table Text Block] |
|  | As of the Six Months Ended June 30, |  |  | For the Year E nded December 31, |
|  | 2015 |  |  | 2014 |  |  | 2014 |
Ratio of allowance for loan losses to the end of period loans, net of unearned income and deferred fees |  |  | 1.30 | % |  |  | 1.34 | % |  |  | 1.36 | %
Ratio of net charge-offs to average loans, net of unearned income and deferred fees(1) |  |  | 0.22 | % |  |  | 0.36 | % |  |  | 0.27 | %
Schedule of Nonperforming Assets [Table Text Block] |
|  | June 30, |  |  | December 31, |
|  | 2015 |  |  | 2014 |  |  | 2014 |
Nonperforming assets: |  |  |  |  |  |  |  |  |  |  |  |
Nonaccrual loans |  | $ | 2,870 |  |  | $ | 2,335 |  |  | $ | 3,999 |
Restructured loans in nonaccrual |  |  | 6,035 |  |  |  | 2,674 |  |  |  | 5,288 |
Total nonperforming loans |  |  | 8,905 |  |  |  | 5,009 |  |  |  | 9,287 |
Other real estate owned, net |  |  | 4,441 |  |  |  | 5,293 |  |  |  | 4,744 |
Total nonperforming assets |  | $ | 13,346 |  |  | $ | 10,302 |  |  | $ | 14,031 |
Ratio of nonperforming assets to loans, net of unearned income and deferred fees, plus other real estate owned |  |  | 2.11 | % |  |  | 1.72 | % |  |  | 2.30 | %
Ratio of allowance for loan losses to nonperforming loans(1) |  |  | 91.31 | % |  |  | 159.13 | % |  |  | 88.97 | %
Summary of Past Due 90 Days Loans Or More and Impaired Loans [Table Text Block] |
|  | June 30, |  |  | December 31, |
|  | 2015 |  |  | 2014 |  |  | 2014 |
Loans past due 90 days or more and still accruing |  | $ | 80 |  |  | $ | 266 |  |  | $ | 207 |
Ratio of loans past due 90 days or more and still accruing to loans, net of unearned income and deferred fees |  |  | 0.01 | % |  |  | 0.04 | % |  |  | 0.03 | %
Accruing restructured loans |  | $ | 5,943 |  |  | $ | 6,240 |  |  | $ | 6,040 |
Impaired loans: |  |  |  |  |  |  |  |  |  |  |  |
Impaired loans with no valuation allowance |  | $ | 12,182 |  |  | $ | 8,155 |  |  | $ | 7,615 |
Impaired loans with a valuation allowance |  |  | 2,503 |  |  |  | 2,989 |  |  |  | 7,506 |
Total impaired loans |  | $ | 14,685 |  |  | $ | 11,144 |  |  | $ | 15,121 |
Valuation allowance |  |  | (151 | ) |  |  | (291 | ) |  |  | (282 | )
Impaired loans, net of allowance |  | $ | 14,534 |  |  | $ | 10,853 |  |  | $ | 14,839 |
Average recorded investment in impaired loans(1) |  | $ | 15,543 |  |  | $ | 11,898 |  |  | $ | 16,311 |
Interest income recognized on impaired loans, after designation as impaired |  | $ | 172 |  |  | $ | 191 |  |  | $ | 473 |
Amount of income recognized on a cash basis |  | $ | --- |  |  | $ | --- |  |  | $ | --- |
Impaired Financing Receivables [Table Text Block] |
|  | Impaired Loans as of June 30, 2015 |
|  | Principal Balance |  |  | (A) Total Recorded Investment(1) |  |  | Recorded Investment(1) in (A) for Which There is No Related Allowance |  |  | Recorded Investment(1) in (A) for Which There is a Related Allowance |  |  | Related Allowance |
Co nsumer Real Estate(2) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Residential closed-end first liens |  | $ | 520 |  |  | $ | 493 |  |  | $ | 308 |  |  | $ | 185 |  |  | $ | 2 |
Residential closed-end junior liens |  |  | 229 |  |  |  | 229 |  |  |  | --- |  |  |  | 229 |  |  |  | 7 |
Investor-owned residential real estate |  |  | 76 |  |  |  | 76 |  |  |  | --- |  |  |  | 76 |  |  |  | 4 |
Commercial Real Estate(2) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Multifamily real estate |  |  | 2,902 |  |  |  | 2,672 |  |  |  | 868 |  |  |  | 1,804 |  |  |  | 123 |
Commercial real estate, owner-occupied |  |  | 4,815 |  |  |  | 4,755 |  |  |  | 4,564 |  |  |  | 191 |  |  |  | 15 |
Commercial real estate, other |  |  | 6,035 |  |  |  | 5,948 |  |  |  | 5,948 |  |  |  | --- |  |  |  | --- |
Commercial Non Real Estate(2) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial and Industrial |  |  | 512 |  |  |  | 512 |  |  |  | 494 |  |  |  | 18 |  |  |  | --- |
Total |  | $ | 15,089 |  |  | $ | 14,685 |  |  | $ | 12,182 |  |  | $ | 2,503 |  |  | $ | 151 |
|  | Impaired Loans as of December 31, 2014 |
|  | Principal Balance |  |  | (A) Total Recorded Investment(1) |  |  | Recorded Investment(1) in (A) for Which There is No Related Allowance |  |  | Recorded Investment(1) in (A) for Which There is a Related Allowance |  |  | Related Allowance |
Co nsumer Real Estate(2) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Residential closed-end first liens |  | $ | 530 |  |  | $ | 503 |  |  | $ | 311 |  |  | $ | 192 |  |  | $ | 2 |
Residential closed-end junior liens |  |  | 239 |  |  |  | 239 |  |  |  | --- |  |  |  | 239 |  |  |  | 8 |
Investor-owned residential real estate |  |  | 77 |  |  |  | 77 |  |  |  | --- |  |  |  | 77 |  |  |  | 4 |
Commercial Real Estate(2) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Multifamily real estate |  |  | 2,911 |  |  |  | 2,735 |  |  |  | 868 |  |  |  | 1,866 |  |  |  | 170 |
Commercial real estate, owner occupied |  |  | 4,919 |  |  |  | 4,821 |  |  |  | 3,314 |  |  |  | 1,508 |  |  |  | 74 |
Commercial real estate, other |  |  | 6,080 |  |  |  | 6,068 |  |  |  | 3,072 |  |  |  | 2,996 |  |  |  | 14 |
Commercial Non Real Estate(2) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial and Industrial |  |  | 678 |  |  |  | 678 |  |  |  | 50 |  |  |  | 628 |  |  |  | 10 |
Total |  | $ | 15,434 |  |  | $ | 15,121 |  |  | $ | 7,615 |  |  | $ | 7,506 |  |  | $ | 282 |
Impaired Financing Receivable, Average Investment and Interest Income [Table Text Block] |
|  | For the Six Months Ended June 30, 2015 |
|  | Average Recorded Investment(1) |  |  | Interest Income Recognized |
Co nsumer Real Estate(2) |  |  |  |  |  |  |  |
Residential closed-end first liens |  | $ | 499 |  |  | $ | 15 |
Residential closed-end junior liens |  |  | 233 |  |  |  | 8 |
Investor-owned residential real estate |  |  | 76 |  |  |  | 2 |
Commercial Real Estate(2) |  |  |  |  |  |  |  |
Multifamily real estate |  |  | 2,678 |  |  |  | --- |
Commercial real estate, owner occupied |  |  | 5,565 |  |  |  | 57 |
Commercial real estate, other |  |  | 5,974 |  |  |  | 86 |
Commercial Non Real Estate(2) |  |  |  |  |  |  |  |
Commercial and Industrial |  |  | 518 |  |  |  | 4 |
Total |  | $ | 15,543 |  |  | $ | 172 |
|  | For the Six Months Ended June 30, 2014 |
|  | Average Recorded Investment(1) |  |  | Interest Income Recognized |
Co nsumer Real Estate(2) |  |  |  |  |  |  |  |
Residential closed-end first liens |  |  | 452 |  |  |  | 13 |
Residential closed-end junior liens |  |  | 254 |  |  |  | 8 |
Investor-owned residential real estate |  |  | 81 |  |  |  | 2 |
Commercial Real Estate(2) |  |  |  |  |  |  |  |
Multifamily real estate |  |  | 2,821 |  |  |  | --- |
Commercial real estate, owner occupied |  |  | 5,032 |  |  |  | 77 |
Commercial real estate, other |  |  | 3,140 |  |  |  | 89 |
Commercial Non Real Estate(2) |  |  |  |  |  |  |  |
Commercial and Industrial |  |  | 95 |  |  |  | 2 |
Consumer Non Real Estate(2) |  |  |  |  |  |  |  |
Automobile |  |  | 23 |  |  |  | --- |
Total |  | $ | 11,898 |  |  | $ | 191 |
|  | Average Investment and Interest Income for Impaired Loans For the Year Ended December 31, 2014 |
|  | Average Recorded Investment(1) |  |  | Interest Income Recognized |
Consumer Real Estate(2) |  |  |  |  |  |  |  |
Residential closed-end first liens |  |  | 555 |  |  |  | 31 |
Residential closed-end junior liens |  |  | 249 |  |  |  | 16 |
Investor-owned residential real estate |  |  | 77 |  |  |  | 5 |
Commercial Real Estate(2) |  |  |  |  |  |  |  |
Multifamily real estate |  |  | 2,773 |  |  |  | --- |
Commercial real estate, owner occupied |  |  | 5,836 |  |  |  | 203 |
Commercial real estate, other |  |  | 6,114 |  |  |  | 175 |
Commercial Non Real Estate(2) |  |  |  |  |  |  |  |
Commercial and Industrial |  |  | 707 |  |  |  | 43 |
Total |  | $ | 16,311 |  |  | $ | 473 |
Past Due Financing Receivables [Table Text Block] |
June 30, 2015 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
|  | 30 – 89 Days Past Due |  |  | 90 or M ore Days Past Due |  |  | 90 or More Days Past Due and Still Accruing |  |  | Nonaccruals (Including Impaired Nonaccruals) |
Real Estate Construction(1) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Construction, other |  | $ | --- |  |  | $ | --- |  |  | $ | --- |  |  | $ | --- |
Consumer Real Estate(1) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Equity lines |  |  | 67 |  |  |  | --- |  |  |  | --- |  |  |  | --- |
Residential closed-end first liens |  |  | 972 |  |  |  | 67 |  |  |  | 67 |  |  |  | 4 |
Residential closed-end junior liens |  |  | 66 |  |  |  | --- |  |  |  | --- |  |  |  | --- |
Investor-owned residential real estate |  |  | 71 |  |  |  | --- |  |  |  | --- |  |  |  | 13 |
Commercial Real Estate(1) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Multifamily real estate |  |  | 837 |  |  |  | 868 |  |  |  | --- |  |  |  | 2,672 |
Commercial real estate, owner-occupied |  |  | 637 |  |  |  | 1,569 |  |  |  | --- |  |  |  | 2,805 |
Commercial real estate, other |  |  | 807 |  |  |  | --- |  |  |  | --- |  |  |  | 2,921 |
Commercial Non Real Estate(1) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial and Industrial |  |  | --- |  |  |  | 442 |  |  |  | --- |  |  |  | 490 |
Consumer Non Real Estate(1) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Credit cards |  |  | 4 |  |  |  | 8 |  |  |  | 8 |  |  |  | --- |
Automobile |  |  | 147 |  |  |  | 3 |  |  |  | 3 |  |  |  | --- |
Other consumer loans |  |  | 52 |  |  |  | 2 |  |  |  | 2 |  |  |  | --- |
Total |  | $ | 3,660 |  |  | $ | 2,959 |  |  | $ | 80 |  |  | $ | 8,905 |
December 31, 2014 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
|  | 30 – 89 Days Past Due |  |  | 90 or M ore Days Past Due |  |  | 90 or More Days Past Due and Still Accruing |  |  | Nonaccruals (Including Impaired Nonaccruals) |
Real Estate Construction(1) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Construction, other |  |  | 28 |  |  |  | --- |  |  |  | --- |  |  |  | --- |
Consumer Real Estate(1) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Equity Lines |  |  | 25 |  |  |  | --- |  |  |  | --- |  |  |  | --- |
Residential closed-end first liens |  |  | 719 |  |  |  | 185 |  |  |  | 80 |  |  |  | 105 |
Residential closed-end junior liens |  |  | 74 |  |  |  | 1 |  |  |  | 1 |  |  |  | --- |
Investor-owned residential real estate |  |  | 336 |  |  |  | 45 |  |  |  | --- |  |  |  | 59 |
Commercial Real Estate(1) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Multifamily real estate |  |  | 850 |  |  |  | 868 |  |  |  | --- |  |  |  | 2,735 |
Commercial real estate, owner occupied |  |  | --- |  |  |  | 1,066 |  |  |  | 102 |  |  |  | 2,573 |
Commercial real estate, other |  |  | --- |  |  |  | 70 |  |  |  | --- |  |  |  | 3,066 |
Commercial Non Real Estate(1) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial and Industrial |  |  | 153 |  |  |  | 43 |  |  |  | --- |  |  |  | 749 |
Consumer Non Real Estate(1) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Credit cards |  |  | 3 |  |  |  | 4 |  |  |  | 4 |  |  |  | --- |
Automobile |  |  | 205 |  |  |  | 20 |  |  |  | 20 |  |  |  | --- |
Other consumer loans |  |  | 54 |  |  |  | --- |  |  |  | --- |  |  |  | --- |
Total |  | $ | 2,447 |  |  | $ | 2,302 |  |  | $ | 207 |  |  | $ | 9,287 |
Financing Receivable Credit Quality Indicators [Table Text Block] |
|  | Pass |  |  | Special Mention |  |  | Classified (Excluding Impaired) |
Real Estate Construction |  |  |  |  |  |  |  |  |  |  |  |
Construction, 1-4 family residential |  | $ | 11,564 |  |  | $ | 3,860 |  |  | $ | 1,196 |
Construction, other |  |  | 25,626 |  |  |  | --- |  |  |  | --- |
Consumer Real Estate |  |  |  |  |  |  |  |  |  |  |  |
Equity lines |  |  | 16,287 |  |  |  | --- |  |  |  | 116 |
Closed-end first liens |  |  | 78,556 |  |  |  | 1,173 |  |  |  | 970 |
Closed-end junior liens |  |  | 4,431 |  |  |  | 55 |  |  |  | 66 |
Investor-owned residential real estate |  |  | 41,986 |  |  |  | 887 |  |  |  | 885 |
Commercial Real Estate |  |  |  |  |  |  |  |  |  |  |  |
Multifamily residential real estate |  |  | 77,752 |  |  |  | 1,363 |  |  |  | 1,830 |
Commercial real estate owner-occupied |  |  | 127,913 |  |  |  | 1,707 |  |  |  | 1,894 |
Commercial real estate, other |  |  | 95,540 |  |  |  | 1,960 |  |  |  | --- |
Commercial Non Real Estate |  |  |  |  |  |  |  |  |  |  |  |
Commercial and Industrial |  |  | 30,393 |  |  |  | 479 |  |  |  | 1,589 |
Public Sector and IDA |  |  |  |  |  |  |  |  |  |  |  |
States and political subdivisions |  |  | 53,383 |  |  |  | --- |  |  |  | --- |
Consumer Non Real Estate |  |  |  |  |  |  |  |  |  |  |  |
Credit cards |  |  | 5,675 |  |  |  | --- |  |  |  | --- |
Automobile |  |  | 11,666 |  |  |  | 114 |  |  |  | 48 |
Other consumer |  |  | 12,109 |  |  |  | 23 |  |  |  | 4 |
Total |  | $ | 592,881 |  |  | $ | 11,621 |  |  | $ | 8,598 |
|  | Pass |  |  | Special Mention (Excluding Impaired) |  |  | Classified (Excluding Impaired) |
Real Estate Construction |  |  |  |  |  |  |  |  |  |  |  |
Construction, 1-4 family residential |  | $ | 14,222 |  |  | $ | --- |  |  | $ | 2,265 |
Construction, other |  |  | 29,047 |  |  |  | --- |  |  |  | 28 |
Consumer Real Estate |  |  |  |  |  |  |  |  |  |  |  |
Equity lines |  |  | 15,861 |  |  |  | 59 |  |  |  | 60 |
Closed-end first liens |  |  | 78,806 |  |  |  | 1,566 |  |  |  | 1,412 |
Closed-end junior liens |  |  | 4,258 |  |  |  | 21 |  |  |  | 95 |
Investor-owned residential real estate |  |  | 42,781 |  |  |  | 688 |  |  |  | 614 |
Commercial Real Estate |  |  |  |  |  |  |  |  |  |  |  |
Multifamily residential real estate |  |  | 73,611 |  |  |  | 1,397 |  |  |  | 850 |
Commercial real estate owner-occupied |  |  | 125,643 |  |  |  | 202 |  |  |  | 2,855 |
Commercial real estate, other |  |  | 90,821 |  |  |  | 1,177 |  |  |  | 582 |
Commercial Non Real Estate |  |  |  |  |  |  |  |  |  |  |  |
Commercial and Industrial |  |  | 31,247 |  |  |  | 97 |  |  |  | 1,390 |
Public Sector and IDA |  |  |  |  |  |  |  |  |  |  |  |
States and political subdivisions |  |  | 41,361 |  |  |  | --- |  |  |  | --- |
Consumer Non Real Estate |  |  |  |  |  |  |  |  |  |  |  |
Credit cards |  |  | 5,705 |  |  |  | --- |  |  |  | --- |
Automobile |  |  | 11,505 |  |  |  | 93 |  |  |  | 128 |
Other consumer |  |  | 10,745 |  |  |  | --- |  |  |  | 6 |
Total |  | $ | 575,613 |  |  | $ | 5,300 |  |  | $ | 10,285 |
Troubled Debt Restructurings on Financing Receivables [Table Text Block] |
|  | Restructurings That Occurred During the Six Months Ended June 30, 2015 |
|  | Number of Contracts |  |  | Pre-Modification Outstanding Principal Balance |  |  | Post-Modification Outstanding Principal Balance |
Commercial Real Estate |  |  |  |  |  |  |  |  |  |  |  |
Commercial real estate, owner occupied |  |  | 1 |  |  |  | 1,007 |  |  |  | 907 |
Total |  |  | 1 |  |  | $ | 1,007 |  |  | $ | 907 |
|  | Restructurings That Occurred During the Three Months Ended June 30, 2014 |
|  | Number of Contracts |  |  | Pre-Modification Outstanding Principal Balance |  |  | Post-Modification Outstanding Principal Balance |
Commercial R eal E state |  |  |  |  |  |  |  |  |  |  |  |
Multifamily real estate |  |  | 1 |  |  |  | 2,484 |  |  |  | 2,484 |
Total |  |  | 1 |  |  | $ | 2,484 |  |  | $ | 2,484 |
|  | Restructurings That Occurred During the Six Months Ended June 30, 2014 |
|  | Number of Contracts |  |  | Pre-Modification Outstanding Principal Balance |  |  | Post-Modification Outstanding Principal Balance |
Commercial Real Estate |  |  |  |  |  |  |  |  |  |  |  |
Commercial real estate, owner occupied |  |  | 1 |  |  | $ | 184 |  |  | $ | 209 |
Multifamily real estate |  |  | 1 |  |  |  | 2,484 |  |  |  | 2,484 |
Total |  |  | 2 |  |  | $ | 2,668 |  |  | $ | 2,693 |

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