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Loans
 6 Months Ended
Jun. 30, 2012
Loans [Abstract]  
LOANS

NOTE 4 – LOANS

The following table presents the recorded investment in loans by portfolio segment. The recorded investment in loans includes the principal balance outstanding adjusted for purchase premiums and discounts, deferred loan fees and costs and includes accrued interest.

 

                 
    June 30,
2012		     December 31,
2011		  

Commercial

   $ 20,599     $ 25,994  

Real estate:

                

Single-family residential

     17,710       18,214  

Multi-family residential

     23,070       27,163  

Commercial

     61,632       69,757  

Consumer:

                

Home equity lines of credit

     13,662       14,921  

Other

     1,113       1,221  
   

 

 

    

 

 

  

Subtotal

     137,786       157,270  

Less: ALLL

     (5,434 )      (6,110 ) 
   

 

 

    

 

 

  

Loans, net

   $ 132,352     $ 151,160  
   

 

 

    

 

 

  

The ALLL is a valuation allowance for probable incurred credit losses in the loan portfolio based on management’s evaluation of various factors including past loan loss experience, the nature and volume of the portfolio, information about specific borrower situations and estimated collateral values, economic conditions and other factors. A provision for loan losses is charged to operations based on management’s periodic evaluation of these and other pertinent factors described in Note 1 of the Notes to Consolidated Financial Statements contained in the Company’s 2011 Annual Report that was filed as Exhibit 13.1 to the Company’s Form 10-K for the year ended December 31, 2011.

The following tables present the activity in the ALLL by portfolio segment for the three and six months ended June 30, 2012:

 

                                                         
    Three months ended June 30, 2012  
          Real Estate     Consumer        
    Commercial     Single-family     Multi-family     Commercial     Home equity lines of
credit		     Other     Total  

Beginning balance

   $ 1,802     $ 190     $ 1,446     $ 1,912     $ 274     $ 17     $ 5,641  

Addition to (reduction in) provision for loan losses

     (589 )      58       (58 )      712       45       32       200  

Charge-offs

     (84 )      (7 )      (18 )      (496 )      (40 )      (34 )      (679 ) 

Recoveries

     248       4       —         2       7       2       263  

Reclass of ALLL on loan-related commitments (1)

     9       —         —         —         —         —         9  
   

 

 

    

 

 

    

 

 

    

 

 

    

 

 

    

 

 

    

 

 

  

Ending balance

   $ 1,386     $ 245     $ 1,370     $ 2,130     $ 286     $ 17     $ 5,434  
   

 

 

    

 

 

    

 

 

    

 

 

    

 

 

    

 

 

    

 

 

  

 

(1) 

Reclassified from (to) accrued interest payable and other liabilities in the consolidated balance sheet

 

                                                         
    Six months ended June 30, 2012  
          Real Estate     Consumer        
    Commercial     Single-family     Multi-family     Commercial     Home equity lines of
credit		     Other     Total  

Beginning balance

   $ 2,281     $ 207     $ 1,470     $ 1,863     $ 272     $ 17     $ 6,110  

Addition to (reduction in) provision for loan losses

     (1,097 )      39       312       1,059       64       23       400  

Charge-offs

     (99 )      (7 )      (434 )      (930 )      (60 )      (34 )      (1,564 ) 

Recoveries

     292       6       22       138       10       11       479  

Reclass of ALLL on loan-related
commitments (1)

     9       —         —         —         —         —         9  
   

 

 

    

 

 

    

 

 

    

 

 

    

 

 

    

 

 

    

 

 

  

Ending balance

   $ 1,386     $ 245     $ 1,370     $ 2,130     $ 286     $ 17     $ 5,434  
   

 

 

    

 

 

    

 

 

    

 

 

    

 

 

    

 

 

    

 

 

  

 

(1) 

Reclassified from (to) accrued interest payable and other liabilities in the consolidated balance sheet

The following tables present the activity in the ALLL by portfolio segment for the three and six months ended June 30, 2011:

 

                                                                 
    Three months ended June 30, 2011  
          Real Estate     Consumer        
    Commercial     Single-family     Multi-family     Commercial     Construction     Home equity lines of
credit		     Other     Total  

Beginning balance

   $ 3,141     $ 233     $ 1,939     $ 3,848     $ 34     $ 201     $ 21     $ 9,417  

Addition to (reduction in) provision for loan losses

     240       14       693       (488 )      (34 )      16       (9 )      432  

Charge-offs

     (640 )      (7 )      (450 )      (850 )      —         —         —         (1,947 ) 

Recoveries

     —         2       1       122       —         3       7       135  

Reclass of ALLL on loan-related commitments (1)

     13       —         —         —         —         —         —         13  
   

 

 

    

 

 

    

 

 

    

 

 

    

 

 

    

 

 

    

 

 

    

 

 

  

Ending balance

   $ 2,754     $ 242     $ 2,183     $ 2,632     $ —       $ 220     $ 19     $ 8,050  
   

 

 

    

 

 

    

 

 

    

 

 

    

 

 

    

 

 

    

 

 

    

 

 

  

 

(1) 

Reclassified from (to) accrued interest payable and other liabilities in the consolidated balance sheet

 

                                                                 
    Six months ended June 30, 2011  
          Real Estate     Consumer        
    Commercial     Single-family     Multi-family     Commercial     Construction     Home equity lines of
credit		     Other     Total  

Beginning balance

   $ 1,879     $ 241     $ 2,520     $ 4,719     $ 74     $ 303     $ 22     $ 9,758  

Addition to (reduction in) provision for loan losses

     1,945       11       911       (860 )      (74 )      (88 )      6       1,851  

Charge-offs

     (1,140 )      (14 )      (1,250 )      (1,350 )      —         —         (18 )      (3,772 ) 

Recoveries

     71       4       2       123       —         5       9       214  

Reclass of ALLL on loan-related commitments (1)

     (1 )      —         —         —         —         —         —         (1 ) 
   

 

 

    

 

 

    

 

 

    

 

 

    

 

 

    

 

 

    

 

 

    

 

 

  

Ending balance

   $ 2,754     $ 242     $ 2,183     $ 2,632     $ —       $ 220     $ 19     $ 8,050  
   

 

 

    

 

 

    

 

 

    

 

 

    

 

 

    

 

 

    

 

 

    

 

 

  

 

(1) 

Reclassified from (to) accrued interest payable and other liabilities in the consolidated balance sheet

The following table presents the balance in the ALLL and the recorded investment in loans by portfolio segment and based on the impairment method as of June 30, 2012:

 

                                                         
          Real Estate     Consumer        
    Commercial     Single-family     Multi-family     Commercial     Home equity lines of
credit		     Other     Total  

ALLL:

                                                        

Ending allowance balance attributable to loans:

                                                        

Individually evaluated for impairment

   $ 569     $ 49     $ 12     $ 285     $ —       $ —       $ 915  

Collectively evaluated for impairment

     817       196       1,358       1,845       286       17       4,519  
   

 

 

    

 

 

    

 

 

    

 

 

    

 

 

    

 

 

    

 

 

  

Total ending allowance balance

   $ 1,386     $ 245     $ 1,370     $ 2,130     $ 286     $ 17     $ 5,434  
   

 

 

    

 

 

    

 

 

    

 

 

    

 

 

    

 

 

    

 

 

  

Loans:

                                                        

Individually evaluated for impairment

   $ 809     $ 130     $ 4,032     $ 5,815     $ —       $ —       $ 10,786  

Collectively evaluated for impairment

     19,790       17,580       19,038       55,817       13,662       1,113       127,000  
   

 

 

    

 

 

    

 

 

    

 

 

    

 

 

    

 

 

    

 

 

  

Total ending loan balance

   $ 20,599     $ 17,710     $ 23,070     $ 61,632     $ 13,662     $ 1,113     $ 137,786  
   

 

 

    

 

 

    

 

 

    

 

 

    

 

 

    

 

 

    

 

 

  

The following table presents the balance in the ALLL and the recorded investment in loans by portfolio segment and based on the impairment method as of December 31, 2011:

 

                                                         
          Real Estate     Consumer        
    Commercial     Single-family     Multi-family     Commercial     Home equity lines of
credit		     Other     Total  

ALLL:

                                                        

Ending allowance balance attributable to loans:

                                                        

Individually evaluated for impairment

   $ 624     $ —       $ 11     $ 262     $ —       $ —       $ 897  

Collectively evaluated for impairment

     1,657       207       1,459       1,601       272       17       5,213  
   

 

 

    

 

 

    

 

 

    

 

 

    

 

 

    

 

 

    

 

 

  

Total ending allowance balance

   $ 2,281     $ 207     $ 1,470     $ 1,863     $ 272     $ 17     $ 6,110  
   

 

 

    

 

 

    

 

 

    

 

 

    

 

 

    

 

 

    

 

 

  

Loans:

                                                        

Individually evaluated for impairment

   $ 821     $ —       $ 5,090     $ 6,085     $ 135     $ —       $ 12,131  

Collectively evaluated for impairment

     25,173       18,214       22,073       63,672       14,786       1,221       145,139  
   

 

 

    

 

 

    

 

 

    

 

 

    

 

 

    

 

 

    

 

 

  

Total ending loan balance

   $ 25,994     $ 18,214     $ 27,163     $ 69,757     $ 14,921     $ 1,221     $ 157,270  
   

 

 

    

 

 

    

 

 

    

 

 

    

 

 

    

 

 

    

 

 

  

 

The following table presents loans individually evaluated for impairment by class of loans at June 30, 2012. The unpaid principal balance is the contractual principal balance outstanding. The recorded investment is the unpaid principal balance adjusted for partial charge-offs, purchase premiums and discounts, deferred loan fees and costs and includes accrued interest. There was no cash-basis interest income recognized during the three and six months ended June 30, 2012.

 

                                                         
    As of June 30, 2012     Three months ended June 30, 2012     Six months ended June 30, 2012  
    Unpaid Principal
Balance		     Recorded
Investment		     ALLL
Allocated		     Average Recorded
Investment		     Interest Income
Recognized		     Average Recorded
Investment		     Interest Income
Recognized		  

With no related allowance recorded:

                                                        

Commercial

   $ 147     $ 132     $ —       $ 133     $ —       $ 89     $ —    

Real estate:

                                                        

Multi-family residential

     4,970       3,942       —         3,955       29       4,099       39  

Commercial:

                                                        

Non-owner occupied

     2,672       1,882       —         1,909       —         1,571       —    

Owner occupied

     839       409       —         413       —         422       —    
   

 

 

    

 

 

    

 

 

    

 

 

    

 

 

    

 

 

    

 

 

  

Total with no allowance recorded

     8,628       6,365       —         6,410       29       6,181       39  
               

With an allowance recorded:

                                                        

Commercial

     677       677       569       679       9       687       22  

Real estate:

                                                        

Single-family residential

     130       130       49       131       —         111       —    

Multi-family residential

     90       90       12       90       2       91       3  

Commercial:

                                                        

Non-owner occupied

     2,684       2,684       261       2,411       36       2,404       87  

Owner occupied

     405       405       7       406       6       407       12  

Land

     480       435       17       438       6       461       13  
   

 

 

    

 

 

    

 

 

    

 

 

    

 

 

    

 

 

    

 

 

  

Total with an allowance recorded

     4,466       4,421       915       4,155       59       4,161       137  
   

 

 

    

 

 

    

 

 

    

 

 

    

 

 

    

 

 

    

 

 

  

Total

   $ 13,094     $ 10,786     $ 915     $ 10,565     $ 88     $ 10,342     $ 176  
   

 

 

    

 

 

    

 

 

    

 

 

    

 

 

    

 

 

    

 

 

  

 

The following table presents loans individually evaluated for impairment by class of loans at December 31, 2011. The unpaid principal balance is the contractual principal balance outstanding. The recorded investment is the unpaid principal balance adjusted for partial charge-offs, purchase premiums and discounts, deferred loan fees and costs and includes accrued interest. There was no cash-basis interest income recognized during the three and six months ended June 30, 2011.

 

                                                         
    As of December 31, 2011     Three months ended June 30, 2011     Six months ended June 30, 2011  
    Unpaid Principal
Balance		     Recorded
Investment		     ALLL
Allocated		     Average Recorded
Investment		     Interest Income
Recognized		     Average Recorded
Investment		     Interest Income
Recognized		  

With no related allowance recorded:

                                                        

Commercial

   $ 573     $ 47     $ —       $ 154     $ —       $ 149     $ —    

Real estate:

                                                        

Multi-family residential

     6,742       4,996       —         —         —         47       —    

Commercial:

                                                        

Non-owner occupied

     2,177       1,755       —         75       —         76       —    

Owner occupied

     876       446       —         —         —         —         —    

Land

     —         —         —         686       11       690       21  

Consumer:

                                                        

Home equity lines of credit:

                                                        

Originated for portfolio

     135       135       —         136       —         136       —    
   

 

 

    

 

 

    

 

 

    

 

 

    

 

 

    

 

 

    

 

 

  

Total with no allowance recorded

     10,503       7,379       —         1,051       11       1,098       21  
               

With an allowance recorded:

                                                        

Commercial

     796       774       624       1,112       —         1,487       —    

Real estate:

                                                        

Multi-family residential

     94       94       11       3,147       —         3,433       —    

Commercial:

                                                        

Non-owner occupied

     2,823       2,823       210       1,623       —         1,938       —    

Owner occupied

     411       411       20       1,051       —         1,051       —    

Land

     766       650       32       —         —         —         —    
   

 

 

    

 

 

    

 

 

    

 

 

    

 

 

    

 

 

    

 

 

  

Total with an allowance recorded

     4,890       4,752       897       6,933       —         7,909       —    
   

 

 

    

 

 

    

 

 

    

 

 

    

 

 

    

 

 

    

 

 

  

Total

   $ 15,393     $ 12,131     $ 897     $ 7,984     $ 11     $ 9,007     $ 21  
   

 

 

    

 

 

    

 

 

    

 

 

    

 

 

    

 

 

    

 

 

  

 

The following table presents the recorded investment in nonaccrual loans by class of loans:

 

                 
    June 30, 2012     December 31, 2011  

Nonaccrual loans:

                

Commercial

   $ 132     $ 47  

Real estate:

                

Single-family residential

     551       736  

Multi-family residential

     2,035       4,996  

Commercial:

                

Non-owner occupied

     1,882       1,910  

Owner occupied

     409       446  

Consumer:

                

Home equity lines of credit:

                

Originated for portfolio

     66       157  

Purchased for portfolio

     81       9  
   

 

 

    

 

 

  

Total nonaccrual and nonperforming loans

   $ 5,156     $ 8,301  
   

 

 

    

 

 

  

Nonaccrual loans include both smaller balance single-family mortgage and consumer loans that are collectively evaluated for impairment and individually classified impaired loans. There were no loans 90 days or more past due and still accruing interest at June 30, 2012 or December 31, 2011.

 

The following table presents the aging of the recorded investment in past due loans by class of loans as of June 30, 2012:

 

                                                 
    30 - 59 Days
Past Due		     60 - 89 Days
Past Due		     Greater than 90
Days Past Due		     Total Past Due     Loans Not Past
Due		     Nonaccrual Loans Not
> 90 days Past Due		  

Commercial

   $ —       $ —       $ 132     $ 132     $ 20,467     $ —    

Real estate:

                                                

Single-family residential

     348       248       91       687       17,023       460  

Multi-family residential

     —         —         2,035       2,035       21,035       —    

Commercial:

                                                

Non-owner occupied

     301       —         1,016       1,317       29,799       866  

Owner occupied

     —         —         409       409       25,405       —    

Land

     —         —         —         —         4,702       —    

Consumer:

                                                

Home equity lines of credit:

                                                

Originated for portfolio

     54       —         66       120       11,143       —    

Purchased for portfolio

     132       —         81       213       2,186       —    

Other

     20       —         —         20       1,093       —    
   

 

 

    

 

 

    

 

 

    

 

 

    

 

 

    

 

 

  

Total

   $ 855     $ 248     $ 3,830     $ 4,933     $ 132,853     $ 1,326  
   

 

 

    

 

 

    

 

 

    

 

 

    

 

 

    

 

 

  

The following table presents the aging of the recorded investment in past due loans by class of loans as of December 31, 2011:

 

                                                 
    30 - 59 Days
Past Due		     60 - 89 Days
Past Due		     Greater than 90
Days Past Due		     Total Past Due     Loans Not Past
Due		     Nonaccrual Loans Not >
90 Days Past Due		  

Commercial

   $ 103     $ —       $ —       $ 103     $ 25,891     $ 47  

Real estate:

                                                

Single-family residential

     714       474       491       1,679       16,535       245  

Multi-family residential

     —         —         3,065       3,065       24,098       1,931  

Commercial:

                                                

Non-owner occupied

     173       275       68       516       35,899       1,842  

Owner occupied

     —         —         —         —         27,900       446  

Land

     —         —         —         —         5,442       —    

Consumer:

                                                

Home equity lines of credit:

                                                

Originated for portfolio

     22       —         135       157       12,126       22  

Purchased for portfolio

     —         —         9       9       2,629       —    

Other

     —         30       —         30       1,191       —    
   

 

 

    

 

 

    

 

 

    

 

 

    

 

 

    

 

 

  

Total

   $ 1,012     $ 779     $ 3,768     $ 5,559     $ 151,711     $ 4,533  
   

 

 

    

 

 

    

 

 

    

 

 

    

 

 

    

 

 

  

Troubled Debt Restructurings (TDRs):

The Company has allocated $915 and $897 of specific reserves to loans whose terms have been modified in TDRs as of June 30, 2012 and December 31, 2011. The Company has not committed to lend additional amounts as of June 30, 2012 or December 31, 2011 to customers with outstanding loans that are classified as nonaccrual TDRs.

During the quarter ended June 30, 2012, the terms of one loan were modified as a TDR, where concessions were granted to a borrower experiencing financial difficulties. The modification of the terms of this non-owner occupied commercial real estate loan included an extension of the maturity date from May 31, 2012 to September 30, 2012 and required a $50 principal repayment at the date of modification.

During the six months ended June 30, 2012, the terms of 2 loans were modified as TDRs, where concessions were granted to borrowers experiencing financial difficulties. In addition to the loan described in the preceding paragraph, one single-family residential loan was modified as a TDR during the six months ended June 30, 2012 and included a reduction in the stated interest rate of the loan from 10% to 5%, a waiver of a portion of the accrued and unpaid interest, addition of the remaining accrued and unpaid interest to the principal balance and extension of the maturity date from 2034 to 2042. This modification involved a reduction in the stated interest rate of the loan for a period of 30 years.

The following table presents loans modified as TDRs by class of loans during the three and six months ended June 30, 2012:

 

                                                 
    Three months ended June 30, 2012     Six months ended June 30, 2012  
    Number of
Loans		     Pre-Modification
Outstanding Recorded
Investment		     Post-Modification
Outstanding Recorded
Investment		     Number of
Loans		     Pre-Modification
Outstanding Recorded
Investment		     Post-Modification
Outstanding Recorded
Investment		  

Real estate:

                                                

Single-family residential

     —       $ —       $ —         1     $ 132     $ 138  

Commercial:

                                                

Non-owner occupied

     1       478       428       1       478       428  
   

 

 

    

 

 

    

 

 

    

 

 

    

 

 

    

 

 

  

Total

     1     $ 478     $ 428       2     $ 610     $ 566  
   

 

 

    

 

 

    

 

 

    

 

 

    

 

 

    

 

 

  

The TDRs described resulted in a $46 increase in the ALLL during the three and six months ended June 30, 2012 and did not result in a charge-off during the three and six months ended June 30, 2012.

There were no TDRs in payment default or that became nonperforming during the period ended June 30, 2012, that had been modified within the twelve months ended June 30, 2012. A loan is considered to be in payment default once it is 90 days contractually past due under the modified terms, at which time the loan is re-evaluated to determine whether an impairment loss should be recognized, either through a write-off or specific valuation allowance, so that the loan is reported, net, at the present value of estimated future cash flows, or at the fair value of collateral, less cost to sell, if repayment is expected solely from the collateral.

The terms of certain other loans were modified during the six months ended June 30, 2012 that did not meet the definition of a TDR. These loans had a total recorded investment as of June 30, 2012 of $5,448. The modification of these loans involved either a modification of the terms of a loan to borrowers who were not experiencing financial difficulties, a delay in a payment that was considered to be insignificant or there were no concessions granted.

In order to determine whether a borrower is experiencing financial difficulty, an evaluation is performed of the probability that the borrower will be in payment default on any of its debt in the foreseeable future without the modification. This evaluation is performed under the Company’s internal underwriting policy.

There were no loans which were modified during the three or six months ended June 30, 2012 that did not meet the definition of a TDR due to a delay in payment that was considered to be insignificant.

Nonaccrual loans include loans that were modified and identified as TDRs and the loans are not performing. At June 30, 2012 and December 31, 2011, nonaccrual TDRs were as follows:

 

                 
    June 30, 2012     December 31, 2011  

Commercial

   $ —       $ 47  

Real estate:

                

Single-family residential

     130       —    

Multi-family residential

     —         2,527  

Commercial:

                

Owner occupied

     410       446  
   

 

 

    

 

 

  

Total

   $ 540     $ 3,020  
   

 

 

    

 

 

  

Nonaccrual loans at June 30, 2012 and December 31, 2011 do not include $6,198 and $4,597, respectively, of TDRs where customers have established a sustained period of repayment performance, generally six months, loans are current according to their modified terms and repayment of the remaining contractual payments is expected. These loans are included in total impaired loans.

Credit Quality Indicators:

The Company categorizes loans into risk categories based on relevant information about the ability of borrowers to service their debt, such as current financial information, historical payment experience, credit documentation, public information and current economic trends, among other factors. Management analyzes loans individually by classifying the loans as to credit risk. This analysis includes commercial, commercial real estate and multi-family residential real estate loans. Internal loan reviews for these loan types are performed at least annually, and more often for loans with higher credit risk. Adjustments to loan risk ratings are made based on the reviews and at any time information is received that may affect risk ratings. The following definitions are used for risk ratings:

Special Mention. Loans classified as special mention have a potential weakness that deserves management’s close attention. If left uncorrected, these potential weaknesses may result in deterioration of the repayment prospects for the loan or of CFBank’s credit position at some future date.

Substandard. Loans classified as substandard are inadequately protected by the current net worth and paying capacity of the obligor or of the collateral pledged, if any. Loans so classified have a well-defined weakness or weaknesses that jeopardize the liquidation of the debt. They are characterized by the distinct possibility that there will be some loss if the deficiencies are not corrected.

Doubtful. Loans classified as doubtful have all the weaknesses inherent in those classified as substandard, with the added characteristic that the weaknesses make collection or liquidation in full, on the basis of currently existing facts, conditions and values, highly questionable and improbable.

Loans not meeting the criteria to be classified into one of the above categories are considered to be not rated or pass-rated loans. Loans listed as not rated are primarily groups of homogeneous loans. Past due information is the primary credit indicator for groups of homogenous loans. Loans listed as pass-rated loans are loans that are subject to internal loan reviews and are determined not to meet the criteria required to be classified as special mention, substandard or doubtful. The recorded investment in loans by risk category and by class of loans as of June 30, 2012 and based on the most recent analysis performed follows. There were no loans rated doubtful at June 30, 2012.

 

                                         
    Not Rated     Pass     Special Mention     Substandard     Total  

Commercial

   $ 356     $ 15,768     $ 3,194     $ 1,281     $ 20,599  

Real estate:

                                        

Single-family residential

     17,159       —         —         551       17,710  

Multi-family residential

     —         12,418       5,840       4,812       23,070  

Commercial:

                                        

Non-owner occupied

     342       22,071       3,043       5,660       31,116  

Owner occupied

     —         21,543       3,078       1,193       25,814  

Land

     905       251       436       3,110       4,702  

Consumer:

                                        

Home equity lines of credit:

                                        

Originated for portfolio

     11,197       —         —         66       11,263  

Purchased for portfolio

     1,873       —         445       81       2,399  

Other

     1,113       —         —         —         1,113  
   

 

 

    

 

 

    

 

 

    

 

 

    

 

 

  
    $ 32,945     $ 72,051     $ 16,036     $ 16,754     $ 137,786  
   

 

 

    

 

 

    

 

 

    

 

 

    

 

 

  

The recorded investment in loans by risk category and by class of loans as of December 31, 2011 follows.

 

                                                 
    Not Rated     Pass     Special Mention     Substandard     Doubtful     Total  

Commercial

   $ 432     $ 19,591     $ 2,062     $ 3,909     $ —       $ 25,994  

Real estate:

                                                

Single-family residential

     17,478       —         —         736       —         18,214  

Multi-family residential

     —         15,395       4,539       6,822       407       27,163  

Commercial:

                                                

Non-owner occupied

     365       22,159       5,717       8,176       —         36,417  

Owner occupied

     —         22,526       3,474       1,898       —         27,898  

Land

     954       1,123       —         3,365       —         5,442  

Consumer:

                                                

Home equity lines of credit:

                                                

Originated for portfolio

     12,126       —         —         157       —         12,283  

Purchased for portfolio

     2,182       —         447       9       —         2,638  

Other

     1,221       —         —         —         —         1,221  
   

 

 

    

 

 

    

 

 

    

 

 

    

 

 

    

 

 

  
    $ 34,758     $ 80,794     $ 16,239     $ 25,072     $ 407     $ 157,270