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Note 3 - Allowance for Loan Losses, Nonperforming Assets and Impaired Loans (Tables) | 9 Months Ended
--- | ---
Sep. 30, 2020
Notes Tables |
Financing Receivable, Allowance for Credit Loss [Table Text Block] |
|  | Activity in the Allo wance for Loan Losses for the Nine Months Ended September 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 | ) |  |  | (372 | ) |  |  | --- |  |  |  | (190 | ) |  |  | --- |  |  |  | (639 | )
Recoveries |  |  | --- |  |  |  | 18 |  |  |  | 53 |  |  |  | 6 |  |  |  | --- |  |  |  | 142 |  |  |  | --- |  |  |  | 219 |
Provision for (recovery of) loan losses |  |  | 24 |  |  |  | 311 |  |  |  | 1,047 |  |  |  | 510 |  |  |  | 53 |  |  |  | (5 | ) |  |  | 45 |  |  |  | 1,985 |
Balance, September 30, 20 20 |  | $ | 424 |  |  | $ | 2,162 |  |  | $ | 3,644 |  |  | $ | 699 |  |  | $ | 531 |  |  | $ | 597 |  |  | $ | 371 |  |  | $ | 8,428 |
|  | 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, 2019 |  | $ | 454 |  |  | $ | 2,101 |  |  | $ | 2,699 |  |  | $ | 527 |  |  | $ | 490 |  |  | $ | 688 |  |  | $ | 303 |  |  | $ | 7,262 |
|  | 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, 2019 |  | $ | 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 September 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 |  |  | 424 |  |  |  | 2,160 |  |  |  | 3,644 |  |  |  | 597 |  |  |  | 531 |  |  |  | 597 |  |  |  | 371 |  |  |  | 8,324 |
Total |  | $ | 424 |  |  | $ | 2,162 |  |  | $ | 3,644 |  |  | $ | 699 |  |  | $ | 531 |  |  | $ | 597 |  |  | $ | 371 |  |  | $ | 8,428 |
|  | 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 September 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 |  | $ | --- |  |  | $ | 244 |  |  | $ | 3,887 |  |  | $ | 861 |  |  | $ | --- |  |  | $ | 3 |  |  | $ | --- |  |  | $ | 4,995 |
Collectively evaluated for impairment |  |  | 36,994 |  |  |  | 178,302 |  |  |  | 389,817 |  |  |  | 100,045 |  |  |  | 59,035 |  |  |  | 33,611 |  |  |  | --- |  |  |  | 797,804 |
Total |  | $ | 36,994 |  |  | $ | 178,546 |  |  | $ | 393,704 |  |  | $ | 100,906 |  |  | $ | 59,035 |  |  | $ | 33,614 |  |  | $ | --- |  |  | $ | 802,799 |
|  | 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 |
|  | Nine Months Ended September 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 | % |  |  | 1.01 | % |  |  | 0.94 | %
Ratio of net charge-offs to average loans, net of unearned income and deferred fees and costs(1) |  |  | 0.07 | % |  |  | 0.09 | % |  |  | 0.09 | %
Schedule of Nonperforming Assets [Table Text Block] |
|  | September 30, |  |  | December 31, |
|  | 2020 |  |  | 2019 |  |  | 2019 |
Nonperforming assets: |  |  |  |  |  |  |  |  |  |  |  |
Nonaccrual loans |  | $ | 736 |  |  | $ | 699 |  |  | $ | 164 |
Restructured loans in nonaccrual |  |  | 2,866 |  |  |  | 3,377 |  |  |  | 3,211 |
Total nonperforming loans |  |  | 3,602 |  |  |  | 4,076 |  |  |  | 3,375 |
Other real estate owned, net |  |  | 1,553 |  |  |  | 1,470 |  |  |  | 1,612 |
Total nonperforming assets |  | $ | 5,155 |  |  | $ | 5,546 |  |  | $ | 4,987 |
Ratio of nonperforming assets to loans, net of unearned income and deferred fees and costs, plus other real estate owned |  |  | 0.64 | % |  |  | 0.77 | % |  |  | 0.68 | %
Ratio of allowance for loan losses to nonperforming loans(1) |  |  | 233.98 | % |  |  | 178.16 | % |  |  | 203.35 | %
Summary of Past Due 90 Days Loans or More and Impaired Loans [Table Text Block] |
|  | As of and For the |
|  | Nine Months Ended September 30, |  |  | Year ended December 31, |
|  | 2020 |  |  | 2019 |  |  | 2019 |
Loans past due 90 days or more and still accruing |  | $ | 236 |  |  | $ | 212 |  |  | $ | 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 | % |  |  | 0.03 | % |  |  | 0.03 | %
Accruing restructured loans |  | $ | 1,426 |  |  | $ | 1,880 |  |  | $ | 1,729 |
Impaired loans: |  |  |  |  |  |  |  |  |  |  |  |
Impaired loans with no valuation allowance |  | $ | 3,939 |  |  | $ | 5,163 |  |  | $ | 4,174 |
Impaired loans with a valuation allowance |  |  | 1,056 |  |  |  | 1,070 |  |  |  | 1,115 |
Total impaired loans |  | $ | 4,995 |  |  | $ | 6,233 |  |  | $ | 5,289 |
Valuation allowance |  |  | (104 | ) |  |  | (120 | ) |  |  | (110 | )
Impaired loans, net of allowance |  | $ | 4,891 |  |  | $ | 6,113 |  |  | $ | 5,179 |
Average recorded investment in impaired loans(1) |  | $ | 5,227 |  |  | $ | 6,729 |  |  | $ | 5,359 |
Interest income recognized on impaired loans, after designation as impaired |  | $ | 49 |  |  | $ | 144 |  |  | $ | 171 |
Amount of income recognized on a cash basis |  | $ | --- |  |  | $ | --- |  |  | $ | --- |
Impaired Financing Receivables [Table Text Block] |
|  | Impaired Loans as of September 30, 2020 |
|  | Contractual 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 |  | $ | 244 |  |  | $ | 244 |  |  | $ | 49 |  |  | $ | 195 |  |  | $ | 2 |
Commercial Real Estate(2) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial real estate, owner-occupied |  |  | 893 |  |  |  | 846 |  |  |  | 846 |  |  |  | --- |  |  |  | --- |
Commercial real estate, other |  |  | 3,521 |  |  |  | 3,041 |  |  |  | 3,041 |  |  |  | --- |  |  |  | --- |
Commercial Non Real Estate(2) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial and industrial |  |  | 861 |  |  |  | 861 |  |  |  | --- |  |  |  | 861 |  |  |  | 102 |
Consumer Non Real Estate(2) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Automobile |  |  | 3 |  |  |  | 3 |  |  |  | 3 |  |  |  | --- |  |  |  | --- |
Total |  | $ | 5,522 |  |  | $ | 4,995 |  |  | $ | 3,939 |  |  | $ | 1,056 |  |  | $ | 104 |
|  | Impaired Loans as of December 31, 2019 |
|  | Contractual 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 Nine Months Ended September 30, 2020 |
|  | Average Recorded Investment(1) |  |  | Interest Income Recognized |
Consumer Real Estate(2) |  |  |  |  |  |  |  |
Investor-owned residential real estate |  | $ | 245 |  |  | $ | 11 |
Commercial Real Estate(2) |  |  |  |  |  |  |  |
Commercial real estate, owner occupied |  |  | 858 |  |  |  | 16 |
Commercial real estate, other |  |  | 3,223 |  |  |  | 5 |
Commercial Non Real Estate(2) |  |  |  |  |  |  |  |
Commercial and industrial |  |  | 897 |  |  |  | 17 |
Consumer Non Real Estate(2) |  |  |  |  |  |  |  |
Automobile |  |  | 4 |  |  |  | --- |
Total |  | $ | 5,227 |  |  | $ | 49 |
|  | 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 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] |
September 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 |  | $ | 18 |  |  | $ | --- |  |  | $ | --- |  |  | $ | --- |
Consumer Real Estate(1) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Equity Lines |  |  | 30 |  |  |  | 19 |  |  |  | 19 |  |  |  | --- |
Residential closed-end first liens |  |  | 526 |  |  |  | 121 |  |  |  | 39 |  |  |  | 82 |
Investor-owned residential real estate |  |  | 107 |  |  |  | --- |  |  |  | --- |  |  |  | --- |
Commercial Real Estate(1) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial real estate, owner-occupied |  |  | 147 |  |  |  | 582 |  |  |  | 103 |  |  |  | 479 |
Commercial real estate, other |  |  | --- |  |  |  | 654 |  |  |  | --- |  |  |  | 3,041 |
Commercial Non Real Estate(1) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial and industrial |  |  | 127 |  |  |  | 61 |  |  |  | 61 |  |  |  | --- |
Consumer Non Real Estate(1) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Credit cards |  |  | 5 |  |  |  | 2 |  |  |  | 2 |  |  |  | --- |
Automobile |  |  | 170 |  |  |  | --- |  |  |  | --- |  |  |  | --- |
Other consumer loans |  |  | 165 |  |  |  | 12 |  |  |  | 12 |  |  |  | --- |
Total |  | $ | 1,295 |  |  | $ | 1,451 |  |  | $ | 236 |  |  | $ | 3,602 |
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 |  | $ | 7,052 |  |  | $ | --- |  |  | $ | --- |
Construction, other |  |  | 29,942 |  |  |  | --- |  |  |  | --- |
Consumer Real Estate |  |  |  |  |  |  |  |  |  |  |  |
Equity lines |  |  | 14,710 |  |  |  | --- |  |  |  | 19 |
Closed-end first liens |  |  | 87,555 |  |  |  | 67 |  |  |  | 344 |
Closed-end junior liens |  |  | 3,530 |  |  |  | --- |  |  |  | --- |
Investor-owned residential real estate |  |  | 72,077 |  |  |  | --- |  |  |  | --- |
Commercial Real Estate |  |  |  |  |  |  |  |  |  |  |  |
Multifamily residential real estate |  |  | 83,413 |  |  |  | 269 |  |  |  | --- |
Commercial real estate owner-occupied |  |  | 152,188 |  |  |  | --- |  |  |  | 143 |
Commercial real estate, other |  |  | 153,804 |  |  |  | --- |  |  |  | --- |
Commercial Non Real Estate |  |  |  |  |  |  |  |  |  |  |  |
Commercial and industrial |  |  | 99,984 |  |  |  | --- |  |  |  | 61 |
Public Sector and IDA |  |  |  |  |  |  |  |  |  |  |  |
State and political subdivisions |  |  | 59,035 |  |  |  | --- |  |  |  | --- |
Consumer Non Real Estate |  |  |  |  |  |  |  |  |  |  |  |
Credit cards |  |  | 4,676 |  |  |  | --- |  |  |  | --- |
Automobile |  |  | 12,620 |  |  |  | --- |  |  |  | --- |
Other consumer |  |  | 16,309 |  |  |  | --- |  |  |  | 6 |
Total |  | $ | 796,895 |  |  | $ | 336 |  |  | $ | 573 |
|  | 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 |  |  |  |  |  |  |  |  |  |  |  |
State 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 |
Financing Receivable, Troubled Debt Restructuring [Table Text Block] |
|  | 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 |

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