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Note 3 - Allowance for Loan Losses, Nonperforming Assets and Impaired Loans (Tables) | 6 Months Ended
--- | ---
Jun. 30, 2020
Notes Tables |
Financing Receivable, Allowance for Credit Loss [Table Text Block] |
|  | Activity in the Allowance for Loan Losses for the Six Months Ended June 30, 2020 |
|  | 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, 2019 |  | $ | 400 |  |  | $ | 1,895 |  |  | $ | 2,559 |  |  | $ | 555 |  |  | $ | 478 |  |  | $ | 650 |  |  | $ | 326 |  |  | $ | 6,863 |
Charge-offs |  |  | --- |  |  |  | (62 | ) |  |  | (15 | ) |  |  | (347 | ) |  |  | --- |  |  |  | (116 | ) |  |  | --- |  |  |  | (540 | )
Recoveries |  |  | --- |  |  |  | 16 |  |  |  | 24 |  |  |  | 1 |  |  |  | --- |  |  |  | 113 |  |  |  | --- |  |  |  | 154 |
Provision for (recovery of) loan losses |  |  | (15 | ) |  |  | 417 |  |  |  | 808 |  |  |  | 457 |  |  |  | 85 |  |  |  | 10 |  |  |  | 69 |  |  |  | 1,831 |
Balance, June 30, 20 20 |  | $ | 385 |  |  | $ | 2,266 |  |  | $ | 3,376 |  |  | $ | 666 |  |  | $ | 563 |  |  | $ | 657 |  |  | $ | 395 |  |  | $ | 8,308 |
|  | A ctivity in the Allowance for Loan Losses for the Six Months Ended June 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 |  |  | --- |  |  |  | (107 | ) |  |  | (150 | ) |  |  | --- |  |  |  | --- |  |  |  | (251 | ) |  |  | --- |  |  |  | (508 | )
Recoveries |  |  | --- |  |  |  | --- |  |  |  | 24 |  |  |  | --- |  |  |  | --- |  |  |  | 143 |  |  |  | --- |  |  |  | 167 |
Provision for (recovery of) loan losses |  |  | 118 |  |  |  | 124 |  |  |  | 288 |  |  |  | (123 | ) |  |  | (54 | ) |  |  | 29 |  |  |  | (127 | ) |  |  | 255 |
Balance, June 30, 201 9 |  | $ | 516 |  |  | $ | 2,066 |  |  | $ | 2,960 |  |  | $ | 479 |  |  | $ | 529 |  |  | $ | 671 |  |  | $ | 83 |  |  | $ | 7,304 |
|  | A ctivity in the Allowance for Loan Losses for the Year Ended December 31, 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 |  |  | --- |  |  |  | (192 | ) |  |  | (150 | ) |  |  | (47 | ) |  |  | --- |  |  |  | (531 | ) |  |  | --- |  |  |  | (920 | )
Recoveries |  |  | --- |  |  |  | --- |  |  |  | 49 |  |  |  | 1 |  |  |  | --- |  |  |  | 217 |  |  |  | --- |  |  |  | 267 |
Provision for (recovery of) loan losses |  |  | 2 |  |  |  | 38 |  |  |  | (138 | ) |  |  | (1 | ) |  |  | (105 | ) |  |  | 214 |  |  |  | 116 |  |  |  | 126 |
Balance, December 31, 201 9 |  | $ | 400 |  |  | $ | 1,895 |  |  | $ | 2,559 |  |  | $ | 555 |  |  | $ | 478 |  |  | $ | 650 |  |  | $ | 326 |  |  | $ | 6,863 |
Financing Receivable, Current, Allowance for Credit Loss [Table Text Block] |
|  | Allowance for Loan Losses as of June 30, 20 20 |
|  | 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 |  | $ | --- |  |  | $ | 2 |  |  | $ | --- |  |  | $ | 102 |  |  | $ | --- |  |  | $ | --- |  |  | $ | --- |  |  | $ | 104 |
Collectively evaluated for impairment |  |  | 385 |  |  |  | 2,264 |  |  |  | 3,376 |  |  |  | 564 |  |  |  | 563 |  |  |  | 657 |  |  |  | 395 |  |  |  | 8,204 |
Total |  | $ | 385 |  |  | $ | 2,266 |  |  | $ | 3,376 |  |  | $ | 666 |  |  | $ | 563 |  |  | $ | 657 |  |  | $ | 395 |  |  | $ | 8,308 |
|  | Allowance for Loan Losses as of December 31, 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 |  | $ | --- |  |  | $ | 2 |  |  | $ | --- |  |  | $ | 108 |  |  | $ | --- |  |  | $ | --- |  |  | $ | --- |  |  | $ | 110 |
Collectively evaluated for impairment |  |  | 400 |  |  |  | 1,893 |  |  |  | 2,559 |  |  |  | 447 |  |  |  | 478 |  |  |  | 650 |  |  |  | 326 |  |  |  | 6,753 |
Total |  | $ | 400 |  |  | $ | 1,895 |  |  | $ | 2,559 |  |  | $ | 555 |  |  | $ | 478 |  |  | $ | 650 |  |  | $ | 326 |  |  | $ | 6,863 |
|  | Loans as of June 30, 2020 |
|  | 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 |  | $ | --- |  |  | $ | 245 |  |  | $ | 4,099 |  |  | $ | 880 |  |  | $ | --- |  |  | $ | 3 |  |  | $ | --- |  |  | $ | 5,227 |
Collectively evaluated for impairment |  |  | 35,360 |  |  |  | 181,949 |  |  |  | 374,671 |  |  |  | 100,064 |  |  |  | 61,850 |  |  |  | 34,354 |  |  |  | --- |  |  |  | 788,248 |
Total |  | $ | 35,360 |  |  | $ | 182,194 |  |  | $ | 378,770 |  |  | $ | 100,944 |  |  | $ | 61,850 |  |  | $ | 34,357 |  |  | $ | --- |  |  | $ | 793,475 |
|  | Loans as of December 31, 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 |  | $ | --- |  |  | $ | 759 |  |  | $ | 3,608 |  |  | $ | 918 |  |  | $ | --- |  |  | $ | 4 |  |  | $ | --- |  |  | $ | 5,289 |
Collectively evaluated for impairment |  |  | 42,303 |  |  |  | 180,713 |  |  |  | 361,765 |  |  |  | 45,658 |  |  |  | 63,764 |  |  |  | 34,535 |  |  |  | --- |  |  |  | 728,738 |
Total |  | $ | 42,303 |  |  | $ | 181,472 |  |  | $ | 365,373 |  |  | $ | 46,576 |  |  | $ | 63,764 |  |  | $ | 34,539 |  |  | $ | --- |  |  | $ | 734,027 |
Schedule of Ratios for Allowance for Loan Losses [Table Text Block] |
|  | As of and for the
|  | Six Months Ended June 30, |  |  | Year E nded December 31,
|  | 2020 |  |  | 2019 |  |  | 2019
Ratio of allowance for loan losses to the end of period loans, net of unearned income and deferred fees and costs(2) |  | 1.05% |  |  | 1.00% |  |  | 0.94%
Ratio of net charge-offs to average loans, net of unearned income and deferred fees and costs(1) |  | 0.10% |  |  | 0.10% |  |  | 0.09%
Schedule of Nonperforming Assets [Table Text Block] |
|  | June 30, |  |  | December 31, |
|  | 2020 |  |  | 2019 |  |  | 2019 |
Nonperforming assets: |  |  |  |  |  |  |  |  |  |  |  |
Nonaccrual loans |  | $ | 943 |  |  | $ | 856 |  |  | $ | 164 |
Restructured loans in nonaccrual |  |  | 2,887 |  |  |  | 3,406 |  |  |  | 3,211 |
Total nonperforming loans |  |  | 3,830 |  |  |  | 4,262 |  |  |  | 3,375 |
Other real estate owned, net |  |  | 1,553 |  |  |  | 2,025 |  |  |  | 1,612 |
Total nonperforming assets |  | $ | 5,383 |  |  | $ | 6,287 |  |  | $ | 4,987 |
Ratio of nonperforming assets to loans, net of unearned income and deferred fees and costs, plus other real estate owned |  |  | 0.68 | % |  |  | 0.86 | % |  |  | 0.68 | %
Ratio of allowance for loan losses to nonperforming loans(1) |  |  | 216.92 | % |  |  | 171.37 | % |  |  | 203.35 | %
Summary of Past Due 90 Days Loans or More and Impaired Loans [Table Text Block] |
|  | As of and For the |
|  | Six Months Ended June 30, |  |  | Year ended December 31, |
|  | 2020 |  |  | 2019 |  |  | 2019 |
Loans past due 90 days or more and still accruing |  | $ | 237 |  |  | $ | 50 |  |  | $ | 231 |
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 | % |  |  | 0.03 | %
Accruing restructured loans |  | $ | 1,453 |  |  | $ | 1,954 |  |  | $ | 1,729 |
Impaired loans: |  |  |  |  |  |  |  |  |  |  |  |
Impaired loans with no valuation allowance |  | $ | 4,151 |  |  | $ | 5,167 |  |  | $ | 4,174 |
Impaired loans with a valuation allowance |  |  | 1,076 |  |  |  | 1,484 |  |  |  | 1,115 |
Total impaired loans |  | $ | 5,227 |  |  | $ | 6,651 |  |  | $ | 5,289 |
Valuation allowance |  |  | (104 | ) |  |  | (129 | ) |  |  | (110 | )
Impaired loans, net of allowance |  | $ | 5,123 |  |  | $ | 6,522 |  |  | $ | 5,179 |
Average recorded investment in impaired loans(1) |  | $ | 5,263 |  |  | $ | 6,703 |  |  | $ | 5,359 |
Interest income recognized on impaired loans, after designation as impaired |  | $ | 29 |  |  | $ | 52 |  |  | $ | 171 |
Amount of income recognized on a cash basis |  | $ | --- |  |  | $ | --- |  |  | $ | --- |
Impaired Financing Receivables [Table Text Block] |
|  | Impaired Loans as of June 30, 2020 |
|  | 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) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Investor-owned residential real estate |  | $ | 245 |  |  | $ | 245 |  |  | $ | 49 |  |  | $ | 196 |  |  | $ | 2 |
Commercial Real Estate(2) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial real estate, owner-occupied |  |  | 902 |  |  |  | 863 |  |  |  | 863 |  |  |  | --- |  |  |  | --- |
Commercial real estate, other |  |  | 3,705 |  |  |  | 3,236 |  |  |  | 3,236 |  |  |  | --- |  |  |  | --- |
Commercial Non Real Estate(2) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial and industrial |  |  | 880 |  |  |  | 880 |  |  |  | --- |  |  |  | 880 |  |  |  | 102 |
Consumer Non Real Estate(2) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Automobile |  |  | 3 |  |  |  | 3 |  |  |  | 3 |  |  |  | --- |  |  |  | --- |
Total |  | $ | 5,735 |  |  | $ | 5,227 |  |  | $ | 4,151 |  |  | $ | 1,076 |  |  | $ | 104 |
|  | Impaired Loans as of December 31, 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 |  | $ | 100 |  |  | $ | 100 |  |  | $ | 100 |  |  | $ | --- |  |  | $ | --- |
Residential closed-end first liens |  |  | 221 |  |  |  | 221 |  |  |  | 221 |  |  |  | --- |  |  |  | --- |
Investor-owned residential real estate |  |  | 441 |  |  |  | 438 |  |  |  | 241 |  |  |  | 197 |  |  |  | 2 |
Commercial Real Estate(2) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Multifamily real estate |  |  | 278 |  |  |  | 278 |  |  |  | 278 |  |  |  | --- |  |  |  | --- |
Commercial real estate, owner occupied |  |  | 929 |  |  |  | 895 |  |  |  | 895 |  |  |  | --- |  |  |  | --- |
Commercial real estate, other |  |  | 2,867 |  |  |  | 2,435 |  |  |  | 2,435 |  |  |  | --- |  |  |  | --- |
Commercial Non-Real Estate(2) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial and industrial |  |  | 917 |  |  |  | 918 |  |  |  | --- |  |  |  | 918 |  |  |  | 108 |
Consumer Non-Real Estate(2) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Automobile |  |  | 4 |  |  |  | 4 |  |  |  | 4 |  |  |  | --- |  |  |  | --- |
Total |  | $ | 5,757 |  |  | $ | 5,289 |  |  | $ | 4,174 |  |  | $ | 1,115 |  |  | $ | 110 |
Impaired Financing Receivable Average Investment And Interest Income [Table Text Block] |
|  | For the Six Months Ended June 30, 2020 |
|  | Average Recorded Investment(1) |  |  | Interest Income Recognized |
Consumer Real Estate(2) |  |  |  |  |  |  |  |
Investor-owned residential real estate |  | $ | 246 |  |  | $ | 8 |
Commercial Real Estate(2) |  |  |  |  |  |  |  |
Commercial real estate, owner occupied |  |  | 868 |  |  |  | 10 |
Commercial real estate, other |  |  | 3,235 |  |  |  | -- |
Commercial Non Real Estate(2) |  |  |  |  |  |  |  |
Commercial and industrial |  |  | 910 |  |  |  | 11 |
Consumer Non Real Estate |  |  |  |  |  |  |  |
Automobile |  |  | 4 |  |  |  | --- |
Total |  | $ | 5,263 |  |  | $ | 29 |
|  | For the Six Months Ended June 30, 2019 |
|  | Average Recorded Investment(1) |  |  | Interest Income Recognized |
Co nsumer Real Estate(2) |  |  |  |  |  |  |  |
Residential closed-end first liens |  | $ | 939 |  |  | $ | 7 |
Residential closed-end junior liens |  |  | 198 |  |  |  | 12 |
Investor-owned residential real estate |  |  | 447 |  |  |  | 1 |
Commercial Real Estate(2) |  |  |  |  |  |  |  |
Multifamily real estate |  |  | 466 |  |  |  | 5 |
Commercial real estate, owner occupied |  |  | 1,187 |  |  |  | 15 |
Commercial real estate, other |  |  | 2,467 |  |  |  | --- |
Commercial Non Real Estate(2) |  |  |  |  |  |  |  |
Commercial and industrial |  |  | 990 |  |  |  | 12 |
Consumer Non Real Estate(2) |  |  |  |  |  |  |  |
Automobile |  |  | 9 |  |  |  | --- |
Total |  | $ | 6,703 |  |  | $ | 52 |
|  | For the Year Ended December 31, 2019 |
|  | Average Recorded Investment(1) |  |  | Interest Income Recognized |
Consumer Real Estate(2) |  |  |  |  |  |  |  |
Equity lines |  | $ | 98 |  |  | $ | 6 |
Residential closed-end junior liens |  |  | 225 |  |  |  | 11 |
Investor-owned residential real estate |  |  | 439 |  |  |  | 17 |
Commercial Real Estate(2) |  |  |  |  |  |  |  |
Multifamily real estate |  |  | 284 |  |  |  | 12 |
Commercial real estate, owner occupied |  |  | 913 |  |  |  | 41 |
Commercial real estate, other |  |  | 2,435 |  |  |  | 59 |
Commercial Non-Real Estate(2) |  |  |  |  |  |  |  |
Commercial and industrial |  |  | 962 |  |  |  | 25 |
Co nsumer Non-Real Estate(2) |  |  |  |  |  |  |  |
Automobile |  |  | 3 |  |  |  | --- |
Total |  | $ | 5,359 |  |  | $ | 171 |
Financing Receivable, Past Due [Table Text Block] |
June 30, 2020 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
|  | 30 – 89 Days Past Due and Accruing |  |  | 90 or M ore Days Past Due |  |  | 90 or More Days Past Due and Accruing |  |  | Nonaccruals(2) |
Real Estate Construction(1) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Construction, other |  | $ | --- |  |  | $ | 21 |  |  | $ | --- |  |  | $ | 21 |
Consumer Real Estate(1) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Equity Lines |  |  | 24 |  |  |  | 19 |  |  |  | 19 |  |  |  | --- |
Residential closed-end first liens |  |  | 458 |  |  |  | 173 |  |  |  | 91 |  |  |  | 81 |
Residential closed-end junior liens |  |  | --- |  |  |  | 83 |  |  |  | 83 |  |  |  | --- |
Investor-owned residential real estate |  |  | 108 |  |  |  | --- |  |  |  | --- |  |  |  | --- |
Commercial Real Estate(1) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial real estate, owner-occupied |  |  | 393 |  |  |  | 490 |  |  |  | --- |  |  |  | 490 |
Commercial real estate, other |  |  | --- |  |  |  | 838 |  |  |  | --- |  |  |  | 3,236 |
Commercial Non Real Estate(1) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial and industrial |  |  | 134 |  |  |  | --- |  |  |  | 1 |  |  |  | --- |
Consumer Non Real Estate(1) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Credit cards |  |  | 4 |  |  |  | --- |  |  |  | --- |  |  |  | --- |
Automobile |  |  | 206 |  |  |  | 31 |  |  |  | 31 |  |  |  | --- |
Other consumer loans |  |  | 140 |  |  |  | 12 |  |  |  | 12 |  |  |  | 2 |
Total |  | $ | 1,467 |  |  | $ | 1,667 |  |  | $ | 237 |  |  | $ | 3,830 |
December 31, 2019 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
|  | 30 – 89 Days Past Due and Accruing |  |  | 90 or M ore Days Past Due |  |  | 90 or More Days Past Due and Accruing |  |  | Nonaccruals(2) |
Real Estate Construction(1) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Construction, other |  | $ | 19 |  |  | $ | --- |  |  | $ | --- |  |  | $ | --- |
Consumer Real Estate(1) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Residential closed-end first liens |  |  | 499 |  |  |  | 210 |  |  |  | 188 |  |  |  | 22 |
Residential closed-end junior liens |  |  | 83 |  |  |  | --- |  |  |  | --- |  |  |  | --- |
Investor-owned residential real estate |  |  | --- |  |  |  | 264 |  |  |  | --- |  |  |  | 264 |
Commercial Real Estate(1) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Multifamily real estate |  |  | 94 |  |  |  | --- |  |  |  | --- |  |  |  | --- |
Commercial real estate, owner occupied |  |  | --- |  |  |  | 287 |  |  |  | --- |  |  |  | 514 |
Commercial real estate, other |  |  | --- |  |  |  | --- |  |  |  | --- |  |  |  | 2,435 |
Commercial Non-Real Estate(1) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial and industrial |  |  | 45 |  |  |  | 153 |  |  |  | 17 |  |  |  | 136 |
Consumer Non-Real Estate(1) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Credit cards |  |  | 4 |  |  |  | --- |  |  |  | --- |  |  |  | --- |
Automobile |  |  | 256 |  |  |  | 14 |  |  |  | 14 |  |  |  | 4 |
Other consumer loans |  |  | 70 |  |  |  | 12 |  |  |  | 12 |  |  |  | --- |
Total |  | $ | 1,070 |  |  | $ | 940 |  |  | $ | 231 |  |  | $ | 3,375 |
Financing Receivable Credit Quality Indicators [Table Text Block] |
|  | Pass(1) |  |  | Special Mention(1) |  |  | Classified(1) |
Real Estate Construction |  |  |  |  |  |  |  |  |  |  |  |
Construction, 1-4 family residential |  | $ | 6,547 |  |  | $ | --- |  |  | $ | --- |
Construction, other |  |  | 28,792 |  |  |  | --- |  |  |  | 21 |
Consumer Real Estate |  |  |  |  |  |  |  |  |  |  |  |
Equity lines |  |  | 15,982 |  |  |  | --- |  |  |  | 19 |
Closed-end first liens |  |  | 92,419 |  |  |  | 69 |  |  |  | 398 |
Closed-end junior liens |  |  | 3,706 |  |  |  | --- |  |  |  | 83 |
Investor-owned residential real estate |  |  | 69,273 |  |  |  | --- |  |  |  | --- |
Commercial Real Estate |  |  |  |  |  |  |  |  |  |  |  |
Multifamily residential real estate |  |  | 84,332 |  |  |  | 272 |  |  |  | --- |
Commercial real estate owner-occupied |  |  | 136,447 |  |  |  | --- |  |  |  | 235 |
Commercial real estate, other |  |  | 153,385 |  |  |  | --- |  |  |  | --- |
Commercial Non Real Estate |  |  |  |  |  |  |  |  |  |  |  |
Commercial and industrial |  |  | 100,064 |  |  |  | --- |  |  |  | --- |
Public Sector and IDA |  |  |  |  |  |  |  |  |  |  |  |
States and political subdivisions |  |  | 61,850 |  |  |  | --- |  |  |  | --- |
Consumer Non Real Estate |  |  |  |  |  |  |  |  |  |  |  |
Credit cards |  |  | 4,851 |  |  |  | --- |  |  |  | --- |
Automobile |  |  | 13,154 |  |  |  | --- |  |  |  | 35 |
Other consumer |  |  | 16,312 |  |  |  | --- |  |  |  | 2 |
Total |  | $ | 787,114 |  |  | $ | 341 |  |  | $ | 793 |
|  | Pass(1) |  |  | Special Mention(1) |  |  | Classified(1) |
Real Estate Construction |  |  |  |  |  |  |  |  |  |  |  |
Construction, 1-4 family residential |  | $ | 7,590 |  |  | $ | --- |  |  | $ | --- |
Construction, other |  |  | 34,713 |  |  |  | --- |  |  |  | --- |
Consumer Real Estate |  |  |  |  |  |  |  |  |  |  |  |
Equity lines |  |  | 16,435 |  |  |  | --- |  |  |  | --- |
Residential closed-end first liens |  |  | 94,814 |  |  |  | --- |  |  |  | 517 |
Residential closed-end junior liens |  |  | 3,861 |  |  |  | --- |  |  |  | --- |
Investor-owned residential real estate |  |  | 65,063 |  |  |  | --- |  |  |  | 23 |
Commercial Real Estate |  |  |  |  |  |  |  |  |  |  |  |
Multifamily residential real estate |  |  | 87,934 |  |  |  | --- |  |  |  | 94 |
Commercial real estate owner-occupied |  |  | 127,937 |  |  |  | --- |  |  |  | 164 |
Commercial real estate, other |  |  | 145,636 |  |  |  | --- |  |  |  | --- |
Commercial Non-Real Estate |  |  |  |  |  |  |  |  |  |  |  |
Commercial and industrial |  |  | 45,387 |  |  |  | 135 |  |  |  | 136 |
Public Sector and IDA |  |  |  |  |  |  |  |  |  |  |  |
States and political subdivisions |  |  | 63,764 |  |  |  | --- |  |  |  | --- |
Consumer Non-Real Estate |  |  |  |  |  |  |  |  |  |  |  |
Credit cards |  |  | 5,703 |  |  |  | --- |  |  |  | --- |
Automobile |  |  | 14,810 |  |  |  | --- |  |  |  | 19 |
Other consumer |  |  | 13,995 |  |  |  | --- |  |  |  | 8 |
Total |  | $ | 727,642 |  |  | $ | 135 |  |  | $ | 961 |

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