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Note 3 - Allowance for Loan Losses, Nonperforming Assets and Impaired Loans (Tables) | 9 Months Ended
--- | ---
Sep. 30, 2019
Notes Tables |
Financing Receivable, Allowance for Credit Loss [Table Text Block] |
|  | A ctivity in the Allowance for Loan Losses for the Nine Months Ended September 30 , 201 9
|  | 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, 2018 |  | $ | 398 |  |  | $ | 2,049 |  |  | $ | 2,798 |  |  | $ | 602 |  |  | $ | 583 |  |  | $ | 750 |  |  | $ | 210 |  |  | $ | 7,390 |
Charge-offs |  |  | --- |  |  |  | (147 | ) |  |  | (150 | ) |  |  | --- |  |  |  | --- |  |  |  | (399 | ) |  |  | --- |  |  |  | (696 | )
Recoveries |  |  | --- |  |  |  | --- |  |  |  | 37 |  |  |  | --- |  |  |  | --- |  |  |  | 181 |  |  |  | --- |  |  |  | 218 |
Provision for (recovery of) loan losses |  |  | 56 |  |  |  | 199 |  |  |  | 14 |  |  |  | (75 | ) |  |  | (93 | ) |  |  | 156 |  |  |  | 93 |  |  |  | 350 |
Balance, September 30 , 201 9 |  | $ | 454 |  |  | $ | 2,101 |  |  | $ | 2,699 |  |  | $ | 527 |  |  | $ | 490 |  |  | $ | 688 |  |  | $ | 303 |  |  | $ | 7,262 |
|  | A ctivity in the Allowance for Loan Losses for the Nine Months Ended September 3 0 , 201 8
|  | 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, 2017 |  | $ | 337 |  |  | $ | 2,027 |  |  | $ | 3,044 |  |  | $ | 1,072 |  |  | $ | 419 |  |  | $ | 707 |  |  | $ | 319 |  |  | $ | 7,925 |
Charge-offs |  |  | --- |  |  |  | (36 | ) |  |  | --- |  |  |  | (107 | ) |  |  | --- |  |  |  | (344 | ) |  |  | --- |  |  |  | (487 | )
Recoveries |  |  | --- |  |  |  | 2 |  |  |  | 37 |  |  |  | 22 |  |  |  | --- |  |  |  | 121 |  |  |  | --- |  |  |  | 182 |
Provision for (recovery of) loan losses |  |  | 137 |  |  |  | 185 |  |  |  | (42 | ) |  |  | (305 | ) |  |  | 151 |  |  |  | 240 |  |  |  | (273 | ) |  |  | 93 |
Balance, September 3 0 , 201 8 |  | $ | 474 |  |  | $ | 2,178 |  |  | $ | 3,039 |  |  | $ | 682 |  |  | $ | 570 |  |  | $ | 724 |  |  | $ | 46 |  |  | $ | 7,713 |
|  | A ctivity in the Allowance for Loan Losses for the Year Ended December 31, 201 8
|  | 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, 2017 |  | $ | 337 |  |  | $ | 2,027 |  |  | $ | 3,044 |  |  | $ | 1,072 |  |  | $ | 419 |  |  | $ | 707 |  |  | $ | 319 |  |  | $ | 7,925 |
Charge-offs |  |  | --- |  |  |  | (38 | ) |  |  | --- |  |  |  | (107 | ) |  |  | --- |  |  |  | (544 | ) |  |  | --- |  |  |  | (689 | )
Recoveries |  |  | --- |  |  |  | 3 |  |  |  | 49 |  |  |  | 22 |  |  |  | --- |  |  |  | 161 |  |  |  | --- |  |  |  | 235 |
Provision for (recovery of) loan losses |  |  | 61 |  |  |  | 57 |  |  |  | (295 | ) |  |  | (385 | ) |  |  | 164 |  |  |  | 426 |  |  |  | (109 | ) |  |  | (81 | )
Balance, December 31 , 201 8 |  | $ | 398 |  |  | $ | 2,049 |  |  | $ | 2,798 |  |  | $ | 602 |  |  | $ | 583 |  |  | $ | 750 |  |  | $ | 210 |  |  | $ | 7,390 |
Financing Receivable, Current, Allowance for Credit Loss [Table Text Block] |
|  | Allowance for Loan Losses as of September 30 , 201 9
|  | 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 |  | $ | --- |  |  | $ | 3 |  |  | $ | --- |  |  | $ | 117 |  |  | $ | --- |  |  | $ | --- |  |  | $ | --- |  |  | $ | 120 |
Collectively evaluated for impairment |  |  | 454 |  |  |  | 2,098 |  |  |  | 2,699 |  |  |  | 410 |  |  |  | 490 |  |  |  | 688 |  |  |  | 303 |  |  |  | 7,142 |
Total |  | $ | 454 |  |  | $ | 2,101 |  |  | $ | 2,699 |  |  | $ | 527 |  |  | $ | 490 |  |  | $ | 688 |  |  | $ | 303 |  |  | $ | 7,262 |
|  | Allowance for Loan Losses as of December 31, 201 8
|  | 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 |  | $ | --- |  |  | $ | 4 |  |  | $ | --- |  |  | $ | 135 |  |  | $ | --- |  |  | $ | --- |  |  | $ | --- |  |  | $ | 139 |
Collectively evaluated for impairment |  |  | 398 |  |  |  | 2,045 |  |  |  | 2,798 |  |  |  | 467 |  |  |  | 583 |  |  |  | 750 |  |  |  | 210 |  |  |  | 7,251 |
Total |  | $ | 398 |  |  | $ | 2,049 |  |  | $ | 2,798 |  |  | $ | 602 |  |  | $ | 583 |  |  | $ | 750 |  |  | $ | 210 |  |  | $ | 7,390 |
|  | Loans as of September 30 , 201 9
|  | 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 |  | $ | --- |  |  | $ | 1,398 |  |  | $ | 3,892 |  |  | $ | 938 |  |  | $ | --- |  |  | $ | 5 |  |  | $ | --- |  |  | $ | 6,233 |
Collectively evaluated for impairment |  |  | 42,972 |  |  |  | 177,716 |  |  |  | 356,601 |  |  |  | 44,928 |  |  |  | 59,731 |  |  |  | 34,578 |  |  |  | --- |  |  |  | 716,526 |
Total |  | $ | 42,972 |  |  | $ | 179,114 |  |  | $ | 360,493 |  |  | $ | 45,866 |  |  | $ | 59,731 |  |  | $ | 34,583 |  |  | $ | --- |  |  | $ | 722,759 |
|  | Loans as of December 31, 201 8
|  | 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 |  | $ | --- |  |  | $ | 1,452 |  |  | $ | 4,340 |  |  | $ | 1,015 |  |  | $ | --- |  |  | $ | 13 |  |  | $ | --- |  |  | $ | 6,820 |
Collectively evaluated for impairment |  |  | 37,845 |  |  |  | 174,004 |  |  |  | 349,206 |  |  |  | 45,520 |  |  |  | 60,777 |  |  |  | 36,225 |  |  |  | --- |  |  |  | 703,577 |
Total |  | $ | 37,845 |  |  | $ | 175,456 |  |  | $ | 353,546 |  |  | $ | 46,535 |  |  | $ | 60,777 |  |  | $ | 36,238 |  |  | $ | --- |  |  | $ | 710,397 |
Schedule of Ratios for Allowance for Loan Losses [Table Text Block] |
|  | As of and for the
|  | Nine Months Ended September 30, |  | Year E nded December 31,
|  | 2019 |  | 2018 |  | 2018
Ratio of allowance for loan losses to the end of period loans, net of unearned income and deferred fees and costs |  |  | 1.01 | % |  |  | 1.10 | % |  |  | 1.04 | %
Ratio of net charge-offs to average loans, net of unearned income and deferred fees and costs (1) |  |  | 0.09 | % |  |  | 0.06 | % |  |  | 0.07 | %
Schedule of Nonperforming Assets [Table Text Block] |
|  | September 30, |  | December 31,
|  | 2019 |  | 2018 |  | 2018
Nonperforming assets: |  |  |  |  |  |  |  |  |  |  |  |
Nonaccrual loans |  | $ | 699 |  |  | $ | 220 |  |  | $ | 311 |
Restructured loans in nonaccrual |  |  | 3,377 |  |  |  | 2,856 |  |  |  | 3,109 |
Total nonperforming loans |  |  | 4,076 |  |  |  | 3,076 |  |  |  | 3,420 |
Other real estate owned, net |  |  | 1,470 |  |  |  | 2,214 |  |  |  | 2,052 |
Total nonperforming assets |  | $ | 5,546 |  |  | $ | 5,290 |  |  | $ | 5,472 |
Ratio of nonperforming assets to loans, net of unearned income and deferred fees and costs, plus other real estate owned |  |  | 0.77 | % |  |  | 0.75 | % |  |  | 0.77 | %
Ratio of allowance for loan losses to nonperforming loans (1) |  |  | 178.16 | % |  |  | 250.75 | % |  |  | 216.08 | %
Summary of Past Due 90 Days Loans or More and Impaired Loans [Table Text Block] |
|  | September 30, |  | December 31,
|  | 2019 |  | 2018 |  | 2018
Loans past due 90 days or more and still accruing |  | $ | 212 |  |  | $ | 63 |  |  | $ | 35 |
Ratio of loans past due 90 days or more and still accruing to loans, net of unearned income and deferred fees and costs |  |  | 0.03 | % |  |  | 0.01 | % |  |  | 0.00 | %
Accruing restructured loans |  | $ | 1,880 |  |  | $ | 7,843 |  |  | $ | 2,552 |
Impaired loans: |  |  |  |  |  |  |  |  |  |  |  |
Impaired loans with no valuation allowance |  | $ | 5,163 |  |  | $ | 10,530 |  |  | $ | 5,667 |
Impaired loans with a valuation allowance |  |  | 1,070 |  |  |  | 1,404 |  |  |  | 1,153 |
Total impaired loans |  | $ | 6,233 |  |  | $ | 11,934 |  |  | $ | 6,820 |
Valuation allowance |  |  | (120 | ) |  |  | (156 | ) |  |  | (139 | )
Impaired loans, net of allowance |  | $ | 6,113 |  |  | $ | 11,778 |  |  | $ | 6,681 |
Average recorded investment in impaired loans (1) |  | $ | 6,729 |  |  | $ | 12,684 |  |  | $ | 9,788 |
Interest income recognized on impaired loans, after designation as impaired |  | $ | 144 |  |  | $ | 414 |  |  | $ | 250 |
Amount of income recognized on a cash basis |  | $ | --- |  |  | $ | --- |  |  | $ | --- |
Impaired Financing Receivables [Table Text Block] |
|  | Impaired Loans as of September 30, 2019
|  | Principal Balance |  | Total Recorded Investment (1) |  | Recorded Investment (1 ) for Which There is No Related Allowance |  | Recorded Investment (1) for Which There is a Related Allowance |  | Related Allowance
Co nsumer Real Estate (2) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Equity lines |  | $ | 98 |  |  | $ | 98 |  |  | $ | 98 |  |  | $ | --- |  |  | $ | --- |
Residential closed-end first liens |  |  | 749 |  |  |  | 737 |  |  |  | 737 |  |  |  | --- |  |  |  | --- |
Residential closed-end junior liens |  |  | 132 |  |  |  | 132 |  |  |  | --- |  |  |  | 132 |  |  |  | 3 |
Investor-owned residential real estate |  |  | 441 |  |  |  | 431 |  |  |  | 431 |  |  |  | --- |  |  |  | --- |
Commercial Real Estate (2) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Multifamily |  |  | 281 |  |  |  | 281 |  |  |  | 281 |  |  |  | --- |  |  |  | --- |
Commercial real estate, owner-occupied |  |  | 1,185 |  |  |  | 1,160 |  |  |  | 1,160 |  |  |  | --- |  |  |  | --- |
Commercial real estate, other |  |  | 2,867 |  |  |  | 2,451 |  |  |  | 2,451 |  |  |  | --- |  |  |  | --- |
Commercial Non Real Estate (2) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial and industrial |  |  | 938 |  |  |  | 938 |  |  |  | --- |  |  |  | 938 |  |  |  | 117 |
Consumer Non Real Estate (2) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Automobile |  |  | 5 |  |  |  | 5 |  |  |  | 5 |  |  |  | --- |  |  |  | --- |
Total |  | $ | 6,696 |  |  | $ | 6,233 |  |  | $ | 5,163 |  |  | $ | 1,070 |  |  | $ | 120 |
|  | Impaired Loans as of December 31, 2018
|  | Principal Balance |  | Total Recorded Investment (1) |  | Recorded Investment (1) for Which There is No Related Allowance |  | Recorded Investment (1) for Which There is a Related Allowance |  | Related Allowance
Co nsumer Real Estate (2) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Residential closed-end first liens |  | $ | 728 |  |  | $ | 719 |  |  | $ | 719 |  |  | $ | --- |  |  | $ | --- |
Residential closed-end junior liens |  |  | 144 |  |  |  | 143 |  |  |  | --- |  |  |  | 143 |  |  |  | 4 |
Investor-owned residential real estate |  |  | 593 |  |  |  | 590 |  |  |  | 590 |  |  |  | --- |  |  |  | --- |
Commercial Real Estate (2) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Multifamily real estate |  |  | 485 |  |  |  | 483 |  |  |  | 483 |  |  |  | --- |  |  |  | --- |
Commercial real estate, owner occupied |  |  | 1,363 |  |  |  | 1,363 |  |  |  | 1,363 |  |  |  | --- |  |  |  | --- |
Commercial real estate, other |  |  | 2,867 |  |  |  | 2,494 |  |  |  | 2,494 |  |  |  | --- |  |  |  | --- |
Commercial Non Real Estate (2) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial and industrial |  |  | 1,018 |  |  |  | 1,015 |  |  |  | 5 |  |  |  | 1,010 |  |  |  | 135 |
Consumer Non Real Estate (2) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Automobile |  |  | 13 |  |  |  | 13 |  |  |  | 13 |  |  |  | --- |  |  |  | --- |
Total |  | $ | 7,211 |  |  | $ | 6,820 |  |  | $ | 5,667 |  |  | $ | 1,153 |  |  | $ | 139 |
Impaired Financing Receivable Average Investment And Interest Income [Table Text Block] |
|  | For the Nine Months Ended September 30, 2019
|  | Average Recorded Investment (1) |  | Interest Income Recognized
Co nsumer Real Estate (2) |  |  |  |  |  |  |  |
Equity lines |  | $ | 97 |  |  | $ | 5 |
Residential closed-end first liens |  |  | 990 |  |  |  | 10 |
Residential closed-end junior liens |  |  | 137 |  |  |  | 6 |
Investor-owned residential real estate |  |  | 432 |  |  |  | 14 |
Commercial Real Estate (2) |  |  |  |  |  |  |  |
Multifamily real estate |  |  | 463 |  |  |  | 9 |
Commercial real estate, owner occupied |  |  | 1,174 |  |  |  | 39 |
Commercial real estate, other |  |  | 2,451 |  |  |  | 43 |
Commercial Non Real Estate (2) |  |  |  |  |  |  |  |
Commercial and industrial |  |  | 976 |  |  |  | 18 |
Consumer Non Real Estate (2) |  |  |  |  |  |  |  |
Automobile |  |  | 9 |  |  |  | --- |
Total |  | $ | 6,729 |  |  | $ | 144 |
|  | For the Nine Months Ended September 30, 2018
|  | Average Recorded Investment (1) |  | Interest Income Recognized
Real Estate Construction (2) |  |  |  |  |  |  |  |
Construction 1-4 family residential |  | $ | 2,697 |  |  | $ | 108 |
Consumer Real Estate (2) |  |  |  |  |  |  |  |
Residential closed-end first liens |  |  | 891 |  |  |  | 40 |
Residential closed-end junior liens |  |  | 162 |  |  |  | 7 |
Investor-owned residential real estate |  |  | 661 |  |  |  | 18 |
Commercial Real Estate (2) |  |  |  |  |  |  |  |
Multifamily real estate |  |  | 298 |  |  |  | 12 |
Commercial real estate, owner occupied |  |  | 3,934 |  |  |  | 145 |
Commercial real estate, other |  |  | 2,829 |  |  |  | 55 |
Commercial Non Real Estate (2) |  |  |  |  |  |  |  |
Commercial and industrial |  |  | 1,188 |  |  |  | 28 |
Consumer Non Real Estate |  |  |  |  |  |  |  |
Automobile |  |  | 24 |  |  |  | 1 |
Total |  | $ | 12,684 |  |  | $ | 414 |
|  | For the Year Ended December 31, 2018
|  | Average Recorded Investment (1) |  | Interest Income Recognized
Consumer Real Estate (2) |  |  |  |  |  |  |  |
Residential closed-end first liens |  | $ | 1,202 |  |  | $ | 41 |
Residential closed-end junior liens |  |  | 159 |  |  |  | 9 |
Investor-owned residential real estate |  |  | 808 |  |  |  | 23 |
Commercial Real Estate (2) |  |  |  |  |  |  |  |
Multifamily real estate |  |  | 491 |  |  |  | 20 |
Commercial real estate, owner occupied |  |  | 3,038 |  |  |  | 75 |
Commercial real estate, other |  |  | 2,744 |  |  |  | 54 |
Commercial Non Real Estate (2) |  |  |  |  |  |  |  |
Commercial and industrial |  |  | 1,326 |  |  |  | 27 |
Co nsumer Non Real Estate (2) |  |  |  |  |  |  |  |
Automobile |  |  | 20 |  |  |  | 1 |
Total |  | $ | 9,788 |  |  | $ | 250 |
Financing Receivable, Past Due [Table Text Block] |
|  | 30 – 89 Days Past Due and Accruing |  | 90 or M ore Days Past Due |  | 90 or More Days Past Due and Accruing |  | Nonaccruals (2)
Consumer Real Estate (1) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Residential closed-end first liens |  | $ | 888 |  |  | $ | 717 |  |  | $ | 36 |  |  | $ | 681 |
Residential closed-end junior liens |  |  | 22 |  |  |  | 132 |  |  |  | 132 |  |  |  | --- |
Investor-owned residential real estate |  |  | --- |  |  |  | 264 |  |  |  | --- |  |  |  | 264 |
Commercial Real Estate (1) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Multifamily real estate |  |  | 94 |  |  |  | --- |  |  |  | --- |  |  |  | --- |
Commercial real estate, owner-occupied |  |  | 243 |  |  |  | 293 |  |  |  | --- |  |  |  | 531 |
Commercial real estate, other |  |  | --- |  |  |  | --- |  |  |  | --- |  |  |  | 2,451 |
Commercial Non Real Estate (1) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial and industrial |  |  | 211 |  |  |  | 144 |  |  |  | --- |  |  |  | 144 |
Consumer Non Real Estate (1) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Credit cards |  |  | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  | --- |
Automobile |  |  | 185 |  |  |  | 40 |  |  |  | 40 |  |  |  | --- |
Other consumer loans |  |  | 91 |  |  |  | 3 |  |  |  | 3 |  |  |  | 5 |
Total |  | $ | 1,735 |  |  | $ | 1,594 |  |  | $ | 212 |  |  | $ | 4,076 |
|  | 30 – 89 Days Past Due and Accruing |  | 90 or M ore Days Past Due |  | 90 or More Days Past Due and Accruing |  | Nonaccruals (2)
Consumer Real Estate (1) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Residential closed-end first liens |  | $ | 647 |  |  | $ | 119 |  |  | $ | --- |  |  | $ | 278 |
Residential closed-end junior liens |  |  | 11 |  |  |  | --- |  |  |  | --- |  |  |  | --- |
Investor-owned residential real estate |  |  | --- |  |  |  | --- |  |  |  | --- |  |  |  | 451 |
Commercial Real Estate (1) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Multifamily real estate |  |  | 291 |  |  |  | 192 |  |  |  | --- |  |  |  | 192 |
Commercial real estate, owner occupied |  |  | 325 |  |  |  | --- |  |  |  | --- |  |  |  | --- |
Commercial real estate, other |  |  | --- |  |  |  | --- |  |  |  | --- |  |  |  | 2,494 |
Commercial Non Real Estate (1) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial and industrial |  |  | 10 |  |  |  | 2 |  |  |  | 2 |  |  |  | 5 |
Consumer Non Real Estate (1) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Credit cards |  |  | 5 |  |  |  | --- |  |  |  | --- |  |  |  | --- |
Automobile |  |  | 296 |  |  |  | 29 |  |  |  | 29 |  |  |  | --- |
Other consumer loans |  |  | 50 |  |  |  | 4 |  |  |  | 4 |  |  |  | --- |
Total |  | $ | 1,635 |  |  | $ | 346 |  |  | $ | 35 |  |  | $ | 3,420 |
Financing Receivable Credit Quality Indicators [Table Text Block] |
|  | Pass (1) |  | Special Mention (1) |  | Classified (1)
Real Estate Construction |  |  |  |  |  |  |  |  |  |  |  |
Construction, 1-4 family residential |  | $ | 7,408 |  |  | $ | --- |  |  | $ | --- |
Construction, other |  |  | 35,564 |  |  |  | --- |  |  |  | --- |
Consumer Real Estate |  |  |  |  |  |  |  |  |  |  |  |
Equity lines |  |  | 15,984 |  |  |  | --- |  |  |  | --- |
Closed-end first liens |  |  | 93,553 |  |  |  | --- |  |  |  | 587 |
Closed-end junior liens |  |  | 3,976 |  |  |  | --- |  |  |  | --- |
Investor-owned residential real estate |  |  | 63,593 |  |  |  | --- |  |  |  | 23 |
Commercial Real Estate |  |  |  |  |  |  |  |  |  |  |  |
Multifamily residential real estate |  |  | 97,522 |  |  |  | --- |  |  |  | --- |
Commercial real estate owner-occupied |  |  | 127,008 |  |  |  | --- |  |  |  | 30 |
Commercial real estate, other |  |  | 132,041 |  |  |  | --- |  |  |  | --- |
Commercial Non Real Estate |  |  |  |  |  |  |  |  |  |  |  |
Commercial and industrial |  |  | 44,719 |  |  |  | 62 |  |  |  | 147 |
Public Sector and IDA |  |  |  |  |  |  |  |  |  |  |  |
States and political subdivisions |  |  | 59,731 |  |  |  | --- |  |  |  | --- |
Consumer Non Real Estate |  |  |  |  |  |  |  |  |  |  |  |
Credit cards |  |  | 5,479 |  |  |  | --- |  |  |  | --- |
Automobile |  |  | 15,648 |  |  |  | --- |  |  |  | 46 |
Other consumer |  |  | 13,391 |  |  |  | --- |  |  |  | 14 |
Total |  | $ | 715,617 |  |  | $ | 62 |  |  | $ | 847 |
|  | Pass (1) |  | Special Mention (1) |  | Classified (1)
Real Estate Construction |  |  |  |  |  |  |  |  |  |  |  |
Construction, 1-4 family residential |  | $ | 9,264 |  |  | $ | --- |  |  | $ | --- |
Construction, other |  |  | 28,560 |  |  |  | 21 |  |  |  | --- |
Consumer Real Estate |  |  |  |  |  |  |  |  |  |  |  |
Equity lines |  |  | 16,026 |  |  |  | 38 |  |  |  | --- |
Closed-end first liens |  |  | 92,253 |  |  |  | 994 |  |  |  | 582 |
Closed-end junior liens |  |  | 3,954 |  |  |  | --- |  |  |  | --- |
Investor-owned residential real estate |  |  | 60,157 |  |  |  | --- |  |  |  | --- |
Commercial Real Estate |  |  |  |  |  |  |  |  |  |  |  |
Multifamily residential real estate |  |  | 98,582 |  |  |  | --- |  |  |  | --- |
Commercial real estate owner-occupied |  |  | 123,225 |  |  |  | 211 |  |  |  | 32 |
Commercial real estate, other |  |  | 127,156 |  |  |  | --- |  |  |  | --- |
Commercial Non Real Estate |  |  |  |  |  |  |  |  |  |  |  |
Commercial and industrial |  |  | 45,420 |  |  |  | 54 |  |  |  | 46 |
Public Sector and IDA |  |  |  |  |  |  |  |  |  |  |  |
States and political subdivisions |  |  | 60,777 |  |  |  | --- |  |  |  | --- |
Consumer Non Real Estate |  |  |  |  |  |  |  |  |  |  |  |
Credit cards |  |  | 5,724 |  |  |  | --- |  |  |  | --- |
Automobile |  |  | 18,598 |  |  |  | 133 |  |  |  | 71 |
Other consumer |  |  | 11,691 |  |  |  | 4 |  |  |  | 4 |
Total |  | $ | 701,387 |  |  | $ | 1,455 |  |  | $ | 735 |
Financing Receivable, Troubled Debt Restructuring [Table Text Block] |
|  | Restructurings That Occurred During the Three Months Ended September 30, 2019
|  | Number of Contracts |  | Pre-Modification Outstanding Principal Balance |  | Post-Modification Outstanding Principal Balance
Residential Real Estate |  |  |  |  |  |  |  |  |  |  |  |
Equity lines |  |  | 1 |  |  | $ | 98 |  |  | $ | 98 |
Total |  |  | 1 |  |  | $ | 98 |  |  | $ | 98 |
|  | Restructurings That Occurred During the Three Months Ended September 30, 2018
|  | Number of Contracts |  | Pre-Modification Outstanding Principal Balance |  | Post-Modification Outstanding Principal Balance
Residential Real Estate |  |  |  |  |  |  |  |  |  |  |  |
Investor owned real estate |  |  | 2 |  |  | $ | 338 |  |  | $ | 338 |
Total |  |  | 2 |  |  | $ | 338 |  |  | $ | 338 |
|  | Restructurings That Occurred During the Nine Months Ended September 30, 2019
|  | Number of Contracts |  | Pre-Modification Outstanding Principal Balance |  | Post-Modification Outstanding Principal Balance
Residential Real Estate |  |  |  |  |  |  |  |  |  |  |  |
Equity lines |  |  | 1 |  |  | $ | 98 |  |  | $ | 98 |
Total |  |  | 1 |  |  | $ | 98 |  |  | $ | 98 |
|  | Restructurings That Occurred During the Nine Months Ended September 30, 2018
|  | Number of Contracts |  | Pre-Modification Outstanding Principal Balance |  | Post-Modification Outstanding Principal Balance
Real Estate Construction |  |  |  |  |  |  |  |  |  |  |  |
Construction, other |  |  | 2 |  |  | $ | 2,882 |  |  | $ | 2,882 |
Residential Real Estate |  |  |  |  |  |  |  |  |  |  |  |
Investor owned real estate |  |  | 2 |  |  |  | 338 |  |  |  | 338 |
Commercial Real Estate |  |  |  |  |  |  |  |  |  |  |  |
Commercial real estate owner-occupied |  |  | 2 |  |  |  | 715 |  |  |  | 715 |
Total |  |  | 6 |  |  | $ | 3,935 |  |  | $ | 3,935 |

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