XML 32 R21.htm IDEA: XBRL DOCUMENT v3.4.0.3
Loan and Allowance for Loan Losses (Tables)
3 Months Ended
Mar. 31, 2016
Loans And Leases Receivable Disclosure [Abstract]  
Schedule of Accounts, Notes, Loans and Financing Receivable [Table Text Block]
March 31,December 31,
(In thousands)20162015
Commercial and industrial$50,192$52,479
Construction and land development45,95343,694
Commercial real estate:
Owner occupied47,01046,602
Other162,310157,251
Total commercial real estate209,320203,853
Residential real estate:
Consumer mortgage70,44370,009
Investment property46,60346,664
Total residential real estate117,046116,673
Consumer installment9,76910,220
Total loans432,280426,919
Less: unearned income(517)(509)
Loans, net of unearned income$431,763$426,410
Past Due Financing Receivables [Table Text Block]
AccruingAccruingTotal
30-89 DaysGreater thanAccruingNon-Total
(In thousands)CurrentPast Due90 daysLoansAccrualLoans
March 31, 2016:
Commercial and industrial$50,1361450,15042$50,192
Construction and land development45,75812945,8876645,953
Commercial real estate:
Owner occupied47,01047,01047,010
Other160,576160,5761,734162,310
Total commercial real estate207,586207,5861,734209,320
Residential real estate:
Consumer mortgage69,77257570,3479670,443
Investment property46,5554846,60346,603
Total residential real estate116,327623116,95096117,046
Consumer installment9,741289,7699,769
Total$429,548794430,3421,938$432,280

December 31, 2015:
Commercial and industrial$52,3874952,43643$52,479
Construction and land development43,11143,11158343,694
Commercial real estate:
Owner occupied46,37246,37223046,602
Other155,731155,7311,520157,251
Total commercial real estate202,103202,1031,750203,853
Residential real estate:
Consumer mortgage68,5791,10569,68432570,009
Investment property46,43522946,66446,664
Total residential real estate115,0141,334116,348325116,673
Consumer installment10,1792810,2071310,220
Total$422,7941,411424,2052,714$426,919
Allowance for Credit Losses on Financing Receivables [Table Text Block]
March 31, 2016
(In thousands)Commercial and industrialConstruction and land developmentCommercial real estateResidential real estateConsumer installmentTotal
Quarter ended:
Beginning balance$5236691,8791,059159$4,289
Charge-offs(118)(26)(144)
Recoveries201,198741,229
Net recoveries (charge-offs)201,198(111)(22)1,085
Provision for loan losses(26)(1,173)52578(4)(600)
Ending balance$5176942,4041,026133$4,774

March 31, 2015
(In thousands)Commercial and industrialConstruction and land developmentCommercial real estateResidential real estateConsumer installmentTotal
Quarter ended:
Beginning balance$6399741,9281,119176$4,836
Charge-offs(58)(60)(17)(135)
Recoveries1514121
Net (charge-offs) recoveries(57)5(46)(16)(114)
Provision for loan losses62(149)(40)8047
Ending balance$6448301,8881,153207$4,722
Financing Receivable Allowance for Credit Loss Additional Information [Table Text Block]
Collectively evaluated (1)Individually evaluated (2)Total
AllowanceRecordedAllowanceRecordedAllowanceRecorded
for loaninvestmentfor loaninvestmentfor loaninvestment
(In thousands)lossesin loanslossesin loanslossesin loans
March 31, 2016:
Commercial and industrial$51750,1524051750,192
Construction and land development69445,8876669445,953
Commercial real estate2,055206,5723492,7482,404209,320
Residential real estate1,026117,0461,026117,046
Consumer installment1339,7691339,769
Total$4,425429,4263492,8544,774432,280
Financing Receivable Credit Quality Indicators [Table Text Block]
(In thousands) Pass Special MentionSubstandard AccruingNonaccrualTotal loans
March 31, 2016: 
Commercial and industrial$46,0553,78630942$50,192
Construction and land development45,356544776645,953
Commercial real estate:
Owner occupied46,419275316-47,010
Other160,074354671,734162,310
Total commercial real estate206,4933107831,734209,320
Residential real estate:
Consumer mortgage65,0032,4902,8549670,443
Investment property45,519-1,08446,603
Total residential real estate110,5222,4903,93896117,046
Consumer installment9,630291109,769
Total$418,0566,6695,6171,938$432,280

December 31, 2015:
Commercial and industrial$48,0384,07532343$52,479
Construction and land development42,4586059358343,694
Commercial real estate:
Owner occupied45,77238121923046,602
Other155,423362721,520157,251
Total commercial real estate201,1954174911,750203,853
Residential real estate:
Consumer mortgage64,5021,9643,21832570,009
Investment property45,3991121,15346,664
Total residential real estate109,9012,0764,371325116,673
Consumer installment10,038551141310,220
Total$411,6306,6835,8922,714$426,919
Impaired Financing Receivables [Table Text Block]
March 31, 2016
(In thousands)Unpaid principal balance (1)Charge-offs and payments applied (2)Recorded investment (3)Related allowance
With no allowance recorded:
Commercial and industrial$4040
Construction and land development167(101)66
Commercial real estate:
Other306(81)225
Total commercial real estate306(81)225
Total $513(182)331
With allowance recorded:
Commercial real estate:
Owner occupied1,0141,014110
Other2,136(627)1,509239
Total commercial real estate3,150(627)2,523349
Total $3,150(627)2,523$349
Total impaired loans$3,663(809)2,854$349
(1) Unpaid principal balance represents the contractual obligation due from the customer.
(2) Charge-offs and payments applied represents cumulative charge-offs taken, as well as interest payments that have been
applied against the outstanding principal balance subsequent to the loans being placed on nonaccrual status.
(3) Recorded investment represents the unpaid principal balance less charge-offs and payments applied; it is shown before
any related allowance for loan losses.

December 31, 2015
(In thousands)Unpaid principal balance (1)Charge-offs and payments applied (2)Recorded investment (3)Related allowance
With no allowance recorded:
Commercial and industrial$4848
Construction and land development2,582(1,999)583
Commercial real estate:
Owner occupied308(78)230
Other2,136(617)1,519
Total commercial real estate2,444(695)1,749
Total $5,074(2,694)2,380
With allowance recorded:
Commercial real estate:
Owner occupied1,0271,027121
Total commercial real estate1,0271,027121
Total $1,0271,027$121
Total impaired loans$6,101(2,694)3,407$121
(1) Unpaid principal balance represents the contractual obligation due from the customer.
(2) Charge-offs and payments applied represents cumulative charge-offs taken, as well as interest payments that have been
applied against the outstanding principal balance subsequent to the loans being placed on nonaccrual status.
(3) Recorded investment represents the unpaid principal balance less charge-offs and payments applied; it is shown before
any related allowance for loan losses.
Schedule Of Average Impaired Financing Receivable [Table Text Block]
Quarter ended March 31, 2016Quarter ended March 31, 2015
AverageTotal interestAverageTotal interest
recordedincomerecordedincome
(In thousands)investmentrecognizedinvestmentrecognized
Impaired loans:
Commercial and industrial$32$1$67$1
Construction and land development198616
Commercial real estate:
Owner occupied1,020151,09912
Other1,74259110
Total commercial real estate2,762151,69022
Residential real estate:
Consumer mortgages75115
Investment property153
Total residential real estate90415
Total $2,992$16$3,277$38
Troubled Debt Restructurings on Financing Receivables, Accrual Status [Table Text Block]
TDRs
Related
(In thousands)AccruingNonaccrualTotalAllowance
March 31, 2016
Commercial and industrial$4040$
Construction and land development6666
Commercial real estate:
Owner occupied1,0142251,239110
Total commercial real estate1,0142251,239110
Total $1,0542911,345$110

December 31, 2015
Commercial and industrial$4848$
Construction and land development582582
Commercial real estate:
Owner occupied1,0272301,257121
Total commercial real estate1,0272301,257121
Total $1,0758121,887$121
Troubled Debt Restructuring Modifications [Table Text Block]
Quarter ended March 31, 2016Quarter ended March 31, 2015
Pre-Post -Pre-Post -
modificationmodificationmodificationmodification
NumberoutstandingoutstandingNumberoutstandingoutstanding
ofrecordedrecordedofrecordedrecorded
(Dollars in thousands)contractsinvestmentinvestmentcontractsinvestmentinvestment
TDRs:
Construction and land development$1$116113
Commercial real estate:
Other1592592
Total commercial real estate1592592
Total $2$708705
Schedule Of Debtor Troubled Debt Restructuring, Subsequent Defaults [Table Text Block]
Quarter ended March 31, 2016Quarter ended March 31, 2015
Number ofRecordedNumber ofRecorded
(Dollars in thousands)Contractsinvestment(1)Contractsinvestment(1)
TDRs:
Commercial real estate:
Owner occupied$1$261
Total commercial real estate—    —    1261
Residential real estate:
Investment property1150
Total residential real estate—    —    1150
Total —    $—    2$411
(1) Amount as of applicable month end during the respective period for which there was a payment default.