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Loans and Allowance for Loan Losses | 6 Months Ended
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Jun. 30, 2017
Receivables [Abstract] |
Loans and Allowance for Loan Losses | 3. Loans and Allowance for Loan Losses Loans consisted of the following as of the dates indicated below:
|  | June 30, |  |  | December 31, |
(Dollars in thousands) |  | 2017 |  |  | 2016 |
One-to-four family residential real estate |  | $ | 138,932 |  |  | $ | 136,846 |
Construction and land |  |  | 16,557 |  |  |  | 13,738 |
Commercial real estate |  |  | 116,600 |  |  |  | 118,200 |
Commercial |  |  | 51,631 |  |  |  | 54,506 |
Agriculture |  |  | 79,310 |  |  |  | 78,324 |
Municipal |  |  | 3,593 |  |  |  | 3,884 |
Consumer |  |  | 21,403 |  |  |  | 20,271 |
Total gross loans |  |  | 428,026 |  |  |  | 425,769 |
Net deferred loan costs and loans in process |  |  | 39 |  |  |  | 36 |
Allowance for loan losses |  |  | (5,326 | ) |  |  | (5,344 | )
Loans, net |  | $ | 422,739 |  |  | $ | 420,461 |
The following tables provide information on the Company’s activity in the allowance for loan losses by loan class:
(Dollars in thousands) |  | Three and six months ended June 30, 2017 |
|  | One-to-four family residential real estate |  |  | Construction and land |  |  | Commercial real estate |  |  | Commercial |  |  | Agriculture |  |  | Municipal |  |  | Consumer |  |  | Total |
Allowance for loan losses: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Balance at April 1, 2017 |  | $ | 493 |  |  | $ | 71 |  |  | $ | 1,740 |  |  | $ | 1,101 |  |  | $ | 1,731 |  |  | $ | 11 |  |  | $ | 180 |  |  | $ | 5,327 |
Charge-offs |  |  | - |  |  |  | - |  |  |  | (61 | ) |  |  | - |  |  |  | - |  |  |  | - |  |  |  | (58 | ) |  |  | (119 | )
Recoveries |  |  | 7 |  |  |  | - |  |  |  | - |  |  |  | 1 |  |  |  | - |  |  |  | - |  |  |  | 10 |  |  |  | 18 |
Provision for loan losses |  |  | (1 | ) |  |  | (1 | ) |  |  | 30 |  |  |  | (21 | ) |  |  | 41 |  |  |  | (1 | ) |  |  | 53 |  |  |  | 100 |
Balance at June 30, 2017 |  |  | 499 |  |  |  | 70 |  |  |  | 1,709 |  |  |  | 1,081 |  |  |  | 1,772 |  |  |  | 10 |  |  |  | 185 |  |  |  | 5,326 |
Balance at January 1, 2017 |  | $ | 504 |  |  | $ | 53 |  |  | $ | 1,777 |  |  | $ | 1,119 |  |  | $ | 1,684 |  |  | $ | 12 |  |  | $ | 195 |  |  | $ | 5,344 |
Charge-offs |  |  | (19 | ) |  |  | - |  |  |  | (61 | ) |  |  | - |  |  |  | - |  |  |  | - |  |  |  | (165 | ) |  |  | (245 | )
Recoveries |  |  | 8 |  |  |  | - |  |  |  | - |  |  |  | 9 |  |  |  | 1 |  |  |  | - |  |  |  | 59 |  |  |  | 77 |
Provision for loan losses |  |  | 6 |  |  |  | 17 |  |  |  | (7 | ) |  |  | (47 | ) |  |  | 87 |  |  |  | (2 | ) |  |  | 96 |  |  |  | 150 |
Balance at June 30, 2017 |  |  | 499 |  |  |  | 70 |  |  |  | 1,709 |  |  |  | 1,081 |  |  |  | 1,772 |  |  |  | 10 |  |  |  | 185 |  |  |  | 5,326 |
(Dollars in thousands) |  | Three and six months ended June 30, 2016 |
|  | One-to-four family residential real estate |  |  | Construction and land |  |  | Commercial real estate |  |  | Commercial |  |  | Agriculture |  |  | Municipal |  |  | Consumer |  |  | Total |
Allowance for loan losses: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Balance at April 1, 2016 |  | $ | 864 |  |  | $ | 82 |  |  | $ | 1,831 |  |  | $ | 1,384 |  |  | $ | 1,483 |  |  | $ | 24 |  |  | $ | 201 |  |  | $ | 5,869 |
Charge-offs |  |  | - |  |  |  | - |  |  |  | - |  |  |  | (306 | ) |  |  | (83 | ) |  |  | - |  |  |  | (148 | ) |  |  | (537 | )
Recoveries |  |  | 3 |  |  |  | - |  |  |  | - |  |  |  | 1 |  |  |  | - |  |  |  | 6 |  |  |  | 10 |  |  |  | 20 |
Provision for loan losses |  |  | (283 | ) |  |  | 7 |  |  |  | (55 | ) |  |  | 314 |  |  |  | 200 |  |  |  | (7 | ) |  |  | 124 |  |  |  | 300 |
Balance at June 30, 2016 |  |  | 584 |  |  |  | 89 |  |  |  | 1,776 |  |  |  | 1,393 |  |  |  | 1,600 |  |  |  | 23 |  |  |  | 187 |  |  |  | 5,652 |
Balance at January 1, 2016 |  | $ | 925 |  |  | $ | 77 |  |  | $ | 1,740 |  |  | $ | 1,530 |  |  | $ | 1,428 |  |  | $ | 23 |  |  | $ | 199 |  |  | $ | 5,922 |
Charge-offs |  |  | - |  |  |  | - |  |  |  | - |  |  |  | (306 | ) |  |  | (83 | ) |  |  | - |  |  |  | (285 | ) |  |  | (674 | )
Recoveries |  |  | 5 |  |  |  | - |  |  |  | - |  |  |  | 20 |  |  |  | - |  |  |  | 6 |  |  |  | 23 |  |  |  | 54 |
Provision for loan losses |  |  | (346 | ) |  |  | 12 |  |  |  | 36 |  |  |  | 149 |  |  |  | 255 |  |  |  | (6 | ) |  |  | 250 |  |  |  | 350 |
Balance at June 30, 2016 |  |  | 584 |  |  |  | 89 |  |  |  | 1,776 |  |  |  | 1,393 |  |  |  | 1,600 |  |  |  | 23 |  |  |  | 187 |  |  |  | 5,652 |
The following tables provide information on the Company’s activity in the allowance for loan losses by loan class and allowance methodology:
(Dollars in thousands) |  | As of June 30, 2017 |
|  | One-to-four family residential real estate |  |  | Construction and land |  |  | Commercial real estate |  |  | Commercial |  |  | Agriculture |  |  | Municipal |  |  | Consumer |  |  | Total |
Allowance for loan losses: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Individually evaluated for loss |  |  | - |  |  |  | - |  |  |  | 50 |  |  |  | 76 |  |  |  | 149 |  |  |  | - |  |  |  | - |  |  |  | 275 |
Collectively evaluated for loss |  |  | 499 |  |  |  | 70 |  |  |  | 1,659 |  |  |  | 1,005 |  |  |  | 1,623 |  |  |  | 10 |  |  |  | 185 |  |  |  | 5,051 |
Total |  |  | 499 |  |  |  | 70 |  |  |  | 1,709 |  |  |  | 1,081 |  |  |  | 1,772 |  |  |  | 10 |  |  |  | 185 |  |  |  | 5,326 |
Loan balances: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Individually evaluated for loss |  |  | 732 |  |  |  | 2,041 |  |  |  | 2,206 |  |  |  | 323 |  |  |  | 868 |  |  |  | 221 |  |  |  | 36 |  |  |  | 6,427 |
Collectively evaluated for loss |  |  | 138,200 |  |  |  | 14,516 |  |  |  | 114,394 |  |  |  | 51,308 |  |  |  | 78,442 |  |  |  | 3,372 |  |  |  | 21,367 |  |  |  | 421,599 |
Total |  | $ | 138,932 |  |  | $ | 16,557 |  |  | $ | 116,600 |  |  | $ | 51,631 |  |  | $ | 79,310 |  |  | $ | 3,593 |  |  | $ | 21,403 |  |  | $ | 428,026 |
(Dollars in thousands) |  | As of December 31, 2016
|  | One-to-four family residential real estate |  |  | Construction and land |  |  | Commercial real estate |  |  | Commercial |  |  | Agriculture |  |  | Municipal |  |  | Consumer |  |  | Total |
Allowance for loan losses: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Individually evaluated for loss |  |  | - |  |  |  | - |  |  |  | 81 |  |  |  | 87 |  |  |  | 89 |  |  |  | - |  |  |  | 17 |  |  |  | 274 |
Collectively evaluated for loss |  |  | 504 |  |  |  | 53 |  |  |  | 1,696 |  |  |  | 1,032 |  |  |  | 1,595 |  |  |  | 12 |  |  |  | 178 |  |  |  | 5,070 |
Total |  |  | 504 |  |  |  | 53 |  |  |  | 1,777 |  |  |  | 1,119 |  |  |  | 1,684 |  |  |  | 12 |  |  |  | 195 |  |  |  | 5,344 |
Loan balances: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Individually evaluated for loss |  |  | 780 |  |  |  | 1,937 |  |  |  | 2,445 |  |  |  | 355 |  |  |  | 881 |  |  |  | 258 |  |  |  | 72 |  |  |  | 6,728 |
Collectively evaluated for loss |  |  | 136,066 |  |  |  | 11,801 |  |  |  | 115,755 |  |  |  | 54,151 |  |  |  | 77,443 |  |  |  | 3,626 |  |  |  | 20,199 |  |  |  | 419,041 |
Total |  | $ | 136,846 |  |  | $ | 13,738 |  |  | $ | 118,200 |  |  | $ | 54,506 |  |  | $ | 78,324 |  |  | $ | 3,884 |  |  | $ | 20,271 |  |  | $ | 425,769 |
The Company’s impaired loans decreased from $6.7 million at December 31, 2016 to $6.4 million at June 30, 2017. The difference between the unpaid contractual principal and the impaired loan balance is a result of charge-offs recorded against impaired loans. The difference in the Company’s non-accrual loan balances and impaired loan balances at June 30, 2017 and December 31, 2016, was related to troubled debt restructurings (“TDR”) that are current and accruing interest, but still classified as impaired. Interest income recognized on a cash basis was immaterial during the three and six month periods ended June 30, 2017 and 2016. The following tables present information on impaired loans:
(Dollars in thousands) |  | As of June 30, 2017 |
|  | Unpaid contractual principal |  |  | Impaired loan balance |  |  | Impaired loans without an allowance |  |  | Impaired loans with an allowance |  |  | Related allowance recorded |  |  | Year-to-date average loan balance |  |  | Year-to-date interest income recognized |
One-to-four family residential real estate |  | $ | 732 |  |  | $ | 732 |  |  | $ | 732 |  |  | $ | - |  |  | $ | - |  |  | $ | 739 |  |  | $ | 4 |
Construction and land |  |  | 3,776 |  |  |  | 2,041 |  |  |  | 2,041 |  |  |  | - |  |  |  | - |  |  |  | 2,010 |  |  |  | 33 |
Commercial real estate |  |  | 2,206 |  |  |  | 2,206 |  |  |  | 2,156 |  |  |  | 50 |  |  |  | 50 |  |  |  | 2,217 |  |  |  | 246 |
Commercial |  |  | 323 |  |  |  | 323 |  |  |  | 70 |  |  |  | 253 |  |  |  | 76 |  |  |  | 361 |  |  |  | - |
Agriculture |  |  | 1,083 |  |  |  | 868 |  |  |  | 49 |  |  |  | 819 |  |  |  | 149 |  |  |  | 933 |  |  |  | 1 |
Municipal |  |  | 221 |  |  |  | 221 |  |  |  | 221 |  |  |  | - |  |  |  | - |  |  |  | 236 |  |  |  | 3 |
Consumer |  |  | 36 |  |  |  | 36 |  |  |  | 36 |  |  |  | - |  |  |  | - |  |  |  | 39 |  |  |  | - |
Total impaired loans |  | $ | 8,377 |  |  | $ | 6,427 |  |  | $ | 5,305 |  |  | $ | 1,122 |  |  | $ | 275 |  |  | $ | 6,535 |  |  | $ | 287 |
(Dollars in thousands) |  | As of December 31, 2016 |
|  | Unpaid contractual principal |  |  | Impaired loan balance |  |  | Impaired loans without an allowance |  |  | Impaired loans with an allowance |  |  | Related allowance recorded |  |  | Year-to-date average loan balance |  |  | Year-to-date interest income recognized |
One-to-four family residential real estate |  | $ | 780 |  |  | $ | 780 |  |  | $ | 780 |  |  | $ | - |  |  | $ | - |  |  | $ | 798 |  |  | $ | 7 |
Construction and land |  |  | 3,672 |  |  |  | 1,937 |  |  |  | 1,937 |  |  |  | - |  |  |  | - |  |  |  | 2,068 |  |  |  | 72 |
Commercial real estate |  |  | 2,445 |  |  |  | 2,445 |  |  |  | 2,145 |  |  |  | 300 |  |  |  | 81 |  |  |  | 2,587 |  |  |  | 505 |
Commercial |  |  | 355 |  |  |  | 355 |  |  |  | 46 |  |  |  | 309 |  |  |  | 87 |  |  |  | 425 |  |  |  | 2 |
Agriculture |  |  | 1,173 |  |  |  | 881 |  |  |  | 147 |  |  |  | 734 |  |  |  | 89 |  |  |  | 1,000 |  |  |  | 2 |
Municipal |  |  | 258 |  |  |  | 258 |  |  |  | 258 |  |  |  | - |  |  |  | - |  |  |  | 418 |  |  |  | - |
Consumer |  |  | 72 |  |  |  | 72 |  |  |  | 55 |  |  |  | 17 |  |  |  | 17 |  |  |  | 78 |  |  |  | 13 |
Total impaired loans |  | $ | 8,755 |  |  | $ | 6,728 |  |  | $ | 5,368 |  |  | $ | 1,360 |  |  | $ | 274 |  |  | $ | 7,374 |  |  | $ | 601 |
The Company’s key credit quality indicator is a loan’s performance status, defined as accruing or non-accruing. Performing loans are considered to have a lower risk of loss. Non-accrual loans are those which the Company believes have a higher risk of loss. The accrual of interest on non-performing loans is discontinued at the time the loan is ninety days delinquent, unless the credit is well secured and in process of collection. Loans are placed on non-accrual or are charged off at an earlier date if collection of principal or interest is considered doubtful. There were no loans ninety days delinquent and accruing interest at June 30, 2017 or December 31, 2016. The following tables present information on the Company’s past due and non-accrual loans by loan class:
(Dollars in thousands) |  | As of June 30, 2017 |
|  | 30-59 days delinquent and accruing |  |  | 60-89 days delinquent and accruing |  |  | 90 days or more delinquent and accruing |  |  | Total past due loans accruing |  |  | Non-accrual loans |  |  | Total past due and non-accrual loans |  |  | Total loans not past due |
One-to-four family residential real estate |  | $ | 300 |  |  | $ | 316 |  |  | $ | - |  |  | $ | 616 |  |  | $ | 557 |  |  | $ | 1,173 |  |  | $ | 137,759 |
Construction and land |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | 692 |  |  |  | 692 |  |  |  | 15,865 |
Commercial real estate |  |  | 1,971 |  |  |  | 42 |  |  |  | - |  |  |  | 2,013 |  |  |  | 69 |  |  |  | 2,082 |  |  |  | 114,518 |
Commercial |  |  | 176 |  |  |  | 1,315 |  |  |  | - |  |  |  | 1,491 |  |  |  | 323 |  |  |  | 1,814 |  |  |  | 49,817 |
Agriculture |  |  | 49 |  |  |  | 60 |  |  |  | - |  |  |  | 109 |  |  |  | 868 |  |  |  | 977 |  |  |  | 78,333 |
Municipal |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | 3,593 |
Consumer |  |  | 36 |  |  |  | 17 |  |  |  | - |  |  |  | 53 |  |  |  | 36 |  |  |  | 89 |  |  |  | 21,314 |
Total |  | $ | 2,532 |  |  | $ | 1,750 |  |  | $ | - |  |  | $ | 4,282 |  |  | $ | 2,545 |  |  | $ | 6,827 |  |  | $ | 421,199 |
Percent of gross loans |  |  | 0.59 | % |  |  | 0.41 | % |  |  | 0.00 | % |  |  | 1.00 | % |  |  | 0.59 | % |  |  | 1.59 | % |  |  | 98.41 | %
(Dollars in thousands) |  | As of December 31, 2016 |
|  | 30-59 days delinquent and accruing |  |  | 60-89 days delinquent and accruing |  |  | 90 days or more delinquent and accruing |  |  | Total past due loans accruing |  |  | Non-accrual loans |  |  | Total past due and non-accrual loans |  |  | Total loans not past due |
One-to-four family residential real estate |  | $ | 215 |  |  | $ | 388 |  |  | $ | - |  |  | $ | 603 |  |  | $ | 595 |  |  | $ | 1,198 |  |  | $ | 135,648 |
Construction and land |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | 599 |  |  |  | 599 |  |  |  | 13,139 |
Commercial real estate |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | 300 |  |  |  | 300 |  |  |  | 117,900 |
Commercial |  |  | 13 |  |  |  | 5 |  |  |  | - |  |  |  | 18 |  |  |  | 342 |  |  |  | 360 |  |  |  | 54,146 |
Agriculture |  |  | 55 |  |  |  | - |  |  |  | - |  |  |  | 55 |  |  |  | 838 |  |  |  | 893 |  |  |  | 77,431 |
Municipal |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | 3,884 |
Consumer |  |  | 79 |  |  |  | 3 |  |  |  | - |  |  |  | 82 |  |  |  | 72 |  |  |  | 154 |  |  |  | 20,117 |
Total |  | $ | 362 |  |  | $ | 396 |  |  | $ | - |  |  | $ | 758 |  |  | $ | 2,746 |  |  | $ | 3,504 |  |  | $ | 422,265 |
Percent of gross loans |  |  | 0.09 | % |  |  | 0.09 | % |  |  | 0.00 | % |  |  | 0.18 | % |  |  | 0.64 | % |  |  | 0.82 | % |  |  | 99.18 | %
Under the original terms of the Company’s non-accrual loans, interest earned on such loans for the six months ended June 30, 2017 and 2016 would have increased interest income by $63,000 and $44,000, respectively. No interest income related to non-accrual loans was included in interest income for the six months ended June 30, 2017 and 2016. The Company also categorizes loans into risk categories based on relevant information about the ability of the borrowers to service their debt such as current financial information, historical payment experience, credit documentation, public information and current economic trends, among other factors. The Company analyzes loans individually by classifying the loans as to credit risk. This analysis is performed on a quarterly basis. Non-classified loans generally include those loans that are expected to be repaid in accordance with contractual loan terms. Classified loans are those that are assigned a special mention, substandard or doubtful risk rating using the following definitions: Special Mention: Loans are currently protected by the current net worth and paying capacity of the obligor or of the collateral pledged but such protection is potentially weak. These loans constitute an undue and unwarranted credit risk, but not to the point of justifying a classification of substandard. The credit risk may be relatively minor, yet constitutes an unwarranted risk in light of the circumstances surrounding a specific asset. Substandard: Loans are inadequately protected by the current net worth and paying capacity of the obligor or of the collateral pledged. Loans have a well-defined weakness or weaknesses that jeopardize the liquidation of the debt. Loans are characterized by the distinct possibility that the Company will sustain some loss if the deficiencies are not corrected. Doubtful: Loans classified doubtful have all the weaknesses inherent in those classified as substandard, with the added characteristic that weaknesses make collection or liquidation in full, on the basis of currently existing facts, conditions and values, highly questionable and improbable. The following table provides information on the Company’s risk categories by loan class:
(Dollars in thousands) |  | As of June 30, 2017 |  |  | As of December 31, 2016 |
|  | Nonclassified |  |  | Classified |  |  | Nonclassified |  |  | Classified |
One-to-four family residential real estate |  | $ | 137,803 |  |  | $ | 1,129 |  |  | $ | 135,640 |  |  | $ | 1,206 |
Construction and land |  |  | 15,865 |  |  |  | 692 |  |  |  | 13,138 |  |  |  | 600 |
Commercial real estate |  |  | 110,725 |  |  |  | 5,875 |  |  |  | 111,641 |  |  |  | 6,559 |
Commercial |  |  | 48,115 |  |  |  | 3,516 |  |  |  | 51,080 |  |  |  | 3,426 |
Agriculture |  |  | 74,727 |  |  |  | 4,583 |  |  |  | 73,564 |  |  |  | 4,760 |
Municipal |  |  | 3,593 |  |  |  | - |  |  |  | 3,884 |  |  |  | - |
Consumer |  |  | 21,356 |  |  |  | 47 |  |  |  | 20,181 |  |  |  | 90 |
Total |  | $ | 412,184 |  |  | $ | 15,842 |  |  | $ | 409,128 |  |  | $ | 16,641 |
At June 30, 2017, the Company had 11 loan relationships consisting of 19 outstanding loans that were classified as TDRs. During the second quarter of 2017, the Company classified two agriculture loans totaling $87,000 as TDRs after renewing loans to an existing loan relationship that was classified as a TDR in 2016. During the first quarter of 2017, the Company classified an $11,000 commercial real estate loan as a TDR after extending the maturity of the loan and classified as a TDR a $15,000 agriculture loan extended to an existing loan relationship that was classified as a TDR in 2016. Since the commercial loan was adequately secured, no charge-offs or impairments were recorded against the principal as of June 30, 2017. The agriculture loan relationship had a $49,000 impairment recorded against the principal balance as of June 30, 2017 and a charge-off of $215,000 was recorded in the third quarter of 2016. During the second quarter of 2016, the Company classified two loans as TDRs including an $8,000 commercial loan after modifying the payments to interest only and a $188,000 one-to-four family residential real estate loan after agreeing to a loan modification which adjusted the payment schedule. No loans were classified as TDR in the first quarter of 2016. The Company evaluates each TDR individually and returns the loan to accrual status when a payment history is established after the restructuring and future payments are reasonably assured. There were no loans modified as TDRs for which there was a payment default within 12 months of modification as of June 30, 2017 and 2016. At June 30, 2017, there was a commitment of $63,000 to lend additional funds on one construction and land loan classified as a TDR. The Company did not record any charge-offs against loans classified as TDRs in the first six months either of 2017 or 2016. A credit provision for loan losses of $13,000 related to TDRs was recorded in the six months ended June 30, 2017 compared to no provision in the same period of 2016. The Company allocated $67,000 and $80,000 of the allowance for loan losses against loans classified as TDRs at June 30, 2017 and December 31, 2016, respectively. The following table presents information on loans that are classified as TDRs:
(Dollars in thousands) |  | As of June 30, 2017 |  |  | As of December 31, 2016 |
|  | Number of loans |  |  | Non-accrual balance |  |  | Accruing balance |  |  | Number of loans |  |  | Non-accrual balance |  |  | Accruing balance |
One-to-four family residential real estate |  |  | 2 |  |  | $ | - |  |  | $ | 175 |  |  |  | 2 |  |  | $ | - |  |  | $ | 185 |
Construction and land |  |  | 4 |  |  |  | 581 |  |  |  | 1,349 |  |  |  | 4 |  |  |  | 588 |  |  |  | 1,338 |
Commercial real estate |  |  | 4 |  |  |  | 61 |  |  |  | 2,137 |  |  |  | 3 |  |  |  | 64 |  |  |  | 2,145 |
Commercial |  |  | - |  |  |  | - |  |  |  | - |  |  |  | 2 |  |  |  | - |  |  |  | 13 |
Agriculture |  |  | 7 |  |  |  | 409 |  |  |  | - |  |  |  | 4 |  |  |  | 268 |  |  |  | 44 |
Municipal |  |  | 2 |  |  |  | - |  |  |  | 221 |  |  |  | 2 |  |  |  | - |  |  |  | 258 |
Total troubled debt restructurings |  |  | 19 |  |  | $ | 1,051 |  |  | $ | 3,882 |  |  |  | 17 |  |  | $ | 920 |  |  | $ | 3,983 |

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