Loans | 9 Months Ended |
Mar. 31, 2014 |
Receivables [Abstract] | ' |
Loans, Notes, Trade and Other Receivables Disclosure [Text Block] | ' |
Note 3 – Loans |
|
Major classifications of loans were as follows: |
|
| | March 31, | | June 30, | | | | | | | | | | | | | |
2014 | 2013 | | | | | | | | | | | | |
Commercial | | $ | 31,898 | | $ | 26,678 | | | | | | | | | | | | | |
Commercial real estate: | | | | | | | | | | | | | | | | | | | |
Construction | | | 2,592 | | | 2,096 | | | | | | | | | | | | | |
Other | | | 126,781 | | | 125,630 | | | | | | | | | | | | | |
1 – 4 Family residential real estate: | | | | | | | | | | | | | | | | | | | |
Owner occupied | | | 30,407 | | | 32,755 | | | | | | | | | | | | | |
Non-owner occupied | | | 16,455 | | | 17,941 | | | | | | | | | | | | | |
Construction | | | 660 | | | 377 | | | | | | | | | | | | | |
Consumer | | | 9,529 | | | 11,866 | | | | | | | | | | | | | |
Subtotal | | | 218,322 | | | 217,343 | | | | | | | | | | | | | |
Less: Net deferred loan fees | | | -389 | | | -303 | | | | | | | | | | | | | |
Allowance for loan losses | | | -2,337 | | | -2,496 | | | | | | | | | | | | | |
Net Loans | | $ | 215,596 | | $ | 214,544 | | | | | | | | | | | | | |
|
The following table presents the activity in the allowance for loan losses by portfolio segment for the three months ending March 31, 2014: |
|
| | | | | | | | 1-4 Family | | | | | | | | | | |
| | | | | Commercial | | Residential | | | | | | | | | | |
| | | | | Real | | Real | | | | | | | | | | |
| | Commercial | | Estate | | Estate | | Consumer | | Total | | | | |
| | | | | | | | | | | | | | | | | | | |
Allowance for loan losses: | | | | | | | | | | | | | | | | | | | |
Beginning balance | | $ | 159 | | $ | 1,501 | | $ | 451 | | $ | 376 | | $ | 2,487 | | | | |
Provision for loan losses | | | 100 | | | -26 | | | -85 | | | 11 | | | — | | | | |
Loans charged-off | | | — | | | -48 | | | -118 | | | -38 | | | -204 | | | | |
Recoveries | | | — | | | 3 | | | 31 | | | 20 | | | 54 | | | | |
Total ending allowance balance | | $ | 259 | | $ | 1,430 | | $ | 279 | | $ | 369 | | $ | 2,337 | | | | |
|
The following table presents the activity in the allowance for loan losses by portfolio segment for the nine months ending March 31, 2014: |
|
| | | | | | | | 1-4 Family | | | | | | | | | | |
| | | | | Commercial | | Residential | | | | | | | | | | |
| | | | | Real | | Real | | | | | | | | | | |
| | Commercial | | Estate | | Estate | | Consumer | | Total | | | | |
| | | | | | | | | | | | | | | | | | | |
Allowance for loan losses: | | | | | | | | | | | | | | | | | | | |
Beginning balance | | $ | 161 | | $ | 1,471 | | $ | 614 | | $ | 250 | | $ | 2,496 | | | | |
Provision for loan losses | | | 115 | | | 5 | | | -194 | | | 242 | | | 168 | | | | |
Loans charged-off | | | -17 | | | -49 | | | -179 | | | -191 | | | -436 | | | | |
Recoveries | | | — | | | 3 | | | 38 | | | 68 | | | 109 | | | | |
Total ending allowance balance | | $ | 259 | | $ | 1,430 | | $ | 279 | | $ | 369 | | $ | 2,337 | | | | |
|
The following table presents the activity in the allowance for loan losses by portfolio segment for the three months ending March 31, 2013: |
|
| | | | | | | | 1-4 Family | | | | | | | | | | |
| | | | | Commercial | | Residential | | | | | | | | | | |
| | | | | Real | | Real | | | | | | | | | | |
| | Commercial | | Estate | | Estate | | Consumer | | Total | | | | |
| | | | | | | | | | | | | | | | | | | |
Allowance for loan losses: | | | | | | | | | | | | | | | | | | | |
Beginning balance | | $ | 145 | | $ | 1,288 | | $ | 644 | | $ | 290 | | $ | 2,367 | | | | |
Provision for loan losses | | | -3 | | | 78 | | | -11 | | | 26 | | | 90 | | | | |
Loans charged-off | | | -31 | | | — | | | -43 | | | -19 | | | -93 | | | | |
Recoveries | | | — | | | — | | | — | | | 13 | | | 13 | | | | |
Total ending allowance balance | | $ | 111 | | $ | 1,366 | | $ | 590 | | $ | 310 | | $ | 2,377 | | | | |
|
The following table presents the activity in the allowance for loan losses by portfolio segment for the nine months ended March 31, 2013: |
|
| | | | | | | | 1-4 Family | | | | | | | | | | |
| | | | | Commercial | | Residential | | | | | | | | | | |
| | | | | Real | | Real | | | | | | | | | | |
| | Commercial | | Estate | | Estate | | Consumer | | Total | | | | |
| | | | | | | | | | | | | | | | | | | |
Allowance for loan losses: | | | | | | | | | | | | | | | | | | | |
Beginning balance | | $ | 143 | | $ | 1,283 | | $ | 712 | | $ | 197 | | $ | 2,335 | | | | |
Provision for loan losses | | | 3 | | | 107 | | | -64 | | | 125 | | | 171 | | | | |
Loans charged-off | | | -35 | | | -24 | | | -58 | | | -59 | | | -176 | | | | |
Recoveries | | | — | | | — | | | — | | | 47 | | | 47 | | | | |
Total ending allowance balance | | $ | 111 | | $ | 1,366 | | $ | 590 | | $ | 310 | | $ | 2,377 | | | | |
|
The following table presents the balance in the allowance for loan losses and the recorded investment in loans by portfolio segment and based on impairment method as of March 31, 2014. Included in the recorded investment in loans is $524 of accrued interest receivable net of deferred loan fees of $389. |
|
| | | | | | | | 1-4 Family | | | | | | | | | | |
| | | | | Commercial | | Residential | | | | | | | | | | |
| | | | | Real | | Real | | | | | | | | | | |
| | Commercial | | Estate | | Estate | | Consumer | | Total | | | | |
Allowance for loan losses: | | | | | | | | | | | | | | | | | | | |
Ending allowance balance attributable to loans: | | | | | | | | | | | | | | | | | | | |
Individually evaluated for impairment | | $ | — | | $ | 113 | | $ | 12 | | $ | — | | $ | 125 | | | | |
Collectively evaluated for impairment | | | 259 | | | 1,317 | | | 267 | | | 369 | | | 2,212 | | | | |
Total ending allowance balance | | $ | 259 | | $ | 1,430 | | $ | 279 | | $ | 369 | | $ | 2,337 | | | | |
| | | | | | | | | | | | | | | | | | | |
Recorded investment in loans: | | | | | | | | | | | | | | | | | | | |
Loans individually evaluated for impairment | | $ | — | | $ | 2,360 | | $ | 916 | | $ | — | | $ | 3,276 | | | | |
Loans collectively evaluated for impairment | | | 31,984 | | | 126,986 | | | 46,686 | | | 9,525 | | | 215,181 | | | | |
Total ending loans balance | | $ | 31,984 | | $ | 129,346 | | $ | 47,602 | | $ | 9,525 | | $ | 218,457 | | | | |
|
The following table presents the balance in the allowance for loan losses and the recorded investment in loans by portfolio segment and based on impairment method as of June 30, 2013. Included in the recorded investment in loans is $546 of accrued interest receivable net of deferred loan fees of $303. |
|
| | | | | | | | 1-4 Family | | | | | | | | | | |
| | | | | Commercial | | Residential | | | | | | | | | | |
| | | | | Real | | Real | | | | | | | | | | |
| | Commercial | | Estate | | Estate | | Consumer | | Total | | | | |
Allowance for loan losses: | | | | | | | | | | | | | | | | | | | |
Ending allowance balance attributable to loans: | | | | | | | | | | | | | | | | | | | |
Individually evaluated for impairment | | $ | 3 | | $ | 89 | | $ | 243 | | $ | — | | $ | 335 | | | | |
Collectively evaluated for impairment | | | 158 | | | 1,382 | | | 371 | | | 250 | | | 2,161 | | | | |
Total ending allowance balance | | $ | 161 | | $ | 1,471 | | $ | 614 | | $ | 250 | | $ | 2,496 | | | | |
| | | | | | | | | | | | | | | | | | | |
Recorded investment in loans: | | | | | | | | | | | | | | | | | | | |
Loans individually evaluated for impairment | | $ | 51 | | $ | 865 | | $ | 1,396 | | $ | — | | $ | 2,312 | | | | |
Loans collectively evaluated for impairment | | | 26,683 | | | 126,881 | | | 49,780 | | | 11,930 | | | 215,274 | | | | |
Total ending loans balance | | $ | 26,734 | | $ | 127,746 | | $ | 51,176 | | $ | 11,930 | | $ | 217,586 | | | | |
| | | | | | | | | | | | | | | | | | | |
|
The following table presents information related to loans individually evaluated for impairment by class of loans as of and for the nine months ended March 31, 2014: |
|
| | Unpaid | | | | | Allowance for | | Average | | Interest | | Cash Basis | |
| | Principal | | Recorded | | Loan Losses | | Recorded | | Income | | Interest | |
| | Balance | | Investment | | Allocated | | Investment | | Recognized | | Recognized | |
With no related allowance recorded: | | | | | | | | | | | | | | | | | | | |
Commercial | | $ | — | | $ | — | | $ | — | | $ | 3 | | $ | — | | $ | — | |
Commercial real estate: | | | | | | | | | | | | | | | | | | | |
Other | | | 1,586 | | | 1,580 | | | — | | | 1,193 | | | — | | | — | |
1-4 Family residential real estate: | | | | | | | | | | | | | | | | | | | |
Owner occupied | | | 211 | | | 209 | | | — | | | 142 | | | — | | | — | |
Non-owner occupied | | | 27 | | | 27 | | | — | | | 94 | | | 2 | | | 2 | |
With an allowance recorded: | | | | | | | | | | | | | | | | | | | |
Commercial | | | — | | | — | | | — | | | 10 | | | 3 | | | 3 | |
Commercial real estate: | | | | | | | | | | | | | | | | | | | |
Other | | | 777 | | | 780 | | | 113 | | | 785 | | | 19 | | | 19 | |
1-4 Family residential real estate: | | | | | | | | | | | | | | | | | | | |
Owner occupied | | | 127 | | | 128 | | | 4 | | | 246 | | | 2 | | | 2 | |
Non-owner occupied | | | 553 | | | 552 | | | 8 | | | 652 | | | 12 | | | 12 | |
Total | | $ | 3,281 | | $ | 3,276 | | $ | 125 | | $ | 3,125 | | $ | 38 | | $ | 38 | |
|
The following table presents information related to average recorded investment and interest income associated with loans individually evaluated for impairment by class of loans for the three months ended March 31, 2014: |
|
| | Average | | Interest | | Cash Basis | | | | | | | | | | |
| | Recorded | | Income | | Interest | | | | | | | | | | |
| | Investment | | Recognized | | Recognized | | | | | | | | | | |
With no related allowance recorded: | | | | | | | | | | | | | | | | | | | |
Commercial | | $ | 1 | | $ | — | | $ | — | | | | | | | | | | |
Commercial real estate: | | | | | | | | | | | | | | | | | | | |
Other | | | 1,562 | | | — | | | — | | | | | | | | | | |
1-4 Family residential real estate: | | | | | | | | | | | | | | | | | | | |
Owner occupied | | | 180 | | | — | | | — | | | | | | | | | | |
Non-owner occupied | | | 19 | | | — | | | — | | | | | | | | | | |
With an allowance recorded: | | | | | | | | | | | | | | | | | | | |
Commercial | | | | | | — | | | — | | | | | | | | | | |
Commercial real estate: | | | | | | | | | | | | | | | | | | | |
Other | | | 780 | | | 9 | | | 9 | | | | | | | | | | |
1-4 Family residential real estate: | | | | | | | | | | | | | | | | | | | |
Owner occupied | | | 178 | | | 2 | | | 2 | | | | | | | | | | |
Non-owner occupied | | | 575 | | | 3 | | | 3 | | | | | | | | | | |
Total | | $ | 3,295 | | $ | 14 | | $ | 14 | | | | | | | | | | |
|
The following table presents information related to loans individually evaluated for impairment by class of loans as of June 30, 2013 and for the nine months ended March 31, 2013: |
|
| | As of June 30, 2013 | | Nine Months ended March 31, 2013 | |
| | Unpaid | | | | Allowance for | | Average | | Interest | | Cash Basis | |
| | Principal | | Recorded | | Loan Losses | | Recorded | | Income | | Interest | |
| | Balance | | Investment | | Allocated | | Investment | | Recognized | | Recognized | |
With no related allowance recorded: | | | | | | | | | | | | | | | | | | | |
Commercial | | $ | — | | $ | — | | $ | — | | $ | 4 | | $ | — | | $ | — | |
Commercial real estate: | | | | | | | | | | | | | | | | | | | |
Other | | | 65 | | | 65 | | | — | | | 63 | | | — | | | — | |
1-4 Family residential real estate: | | | | | | | | | | | | | | | | | | | |
Owner occupied | | | 125 | | | 125 | | | — | | | 96 | | | — | | | — | |
Non-owner occupied | | | 56 | | | 56 | | | — | | | 57 | | | 3 | | | 3 | |
With an allowance recorded: | | | | | | | | | | | | | | | | | | | |
Commercial | | | 51 | | | 51 | | | 3 | | | 96 | | | 8 | | | 8 | |
Commercial real estate: | | | | | | | | | | | | | | | | | | | |
Other | | | 793 | | | 800 | | | 89 | | | 809 | | | 66 | | | 66 | |
1-4 Family residential real estate: | | | | | | | | | | | | | | | | | | | |
Owner occupied | | | 283 | | | 281 | | | 56 | | | 305 | | | — | | | — | |
Non-owner occupied | | | 933 | | | 934 | | | 187 | | | 923 | | | 18 | | | 18 | |
Total | | $ | 2,306 | | $ | 2,312 | | $ | 335 | | $ | 2,353 | | $ | 95 | | $ | 95 | |
|
The following table presents information related to average recorded investment and interest income associated with loans individually evaluated for impairment by class of loans for the three months ended March 31, 2013: |
|
| | Average | | Interest | | Cash Basis | | | | | | | | | | |
| | Recorded | | Income | | Interest | | | | | | | | | | |
| | Investment | | Recognized | | Recognized | | | | | | | | | | |
With no related allowance recorded: | | | | | | | | | | | | | | | | | | | |
Commercial real estate: | | | | | | | | | | | | | | | | | | | |
Other | | $ | 67 | | $ | — | | $ | — | | | | | | | | | | |
1-4 Family residential real estate: | | | | | | | | | | | | | | | | | | | |
Owner occupied | | | 126 | | | — | | | — | | | | | | | | | | |
Non-owner occupied | | | 57 | | | 1 | | | 1 | | | | | | | | | | |
With an allowance recorded: | | | | | | | | | | | | | | | | | | | |
Commercial | | | 75 | | | — | | | — | | | | | | | | | | |
Commercial real estate: | | | | | | | | | | | | | | | | | | | |
Other | | | 816 | | | 3 | | | 3 | | | | | | | | | | |
1-4 Family residential real estate: | | | | | | | | | | | | | | | | | | | |
Owner occupied | | | 285 | | | — | | | — | | | | | | | | | | |
Non-owner occupied | | | 884 | | | 6 | | | 6 | | | | | | | | | | |
Total | | $ | 2,310 | | $ | 10 | | $ | 10 | | | | | | | | | | |
|
The following table presents the recorded investment in non-accrual and loans past due over 90 days still on accrual by class of loans as of March 31, 2014 and June 30, 2013: |
|
| | March 31, 2014 | | June 30, 2013 | | | | | | | |
| | | | Loans Past Due | | | | Loans Past Due | | | | | | | |
| | | | Over 90 Days | | | | Over 90 Days | | | | | | | |
| | | | Still | | | | Still | | | | | | | |
| | Non-accrual | | Accruing | | Non-accrual | | Accruing | | | | | | | |
Commercial | | $ | — | | $ | — | | $ | 46 | | $ | — | | | | | | | |
Commercial real estate: | | | | | | | | | | | | | | | | | | | |
Other | | | 1,628 | | | — | | | 86 | | | — | | | | | | | |
1 – 4 Family residential: | | | | | | | | | | | | | | | | | | | |
Owner occupied | | | 243 | | | — | | | 295 | | | — | | | | | | | |
Non-owner occupied | | | 25 | | | — | | | 663 | | | — | | | | | | | |
Consumer | | | — | | | — | | | 7 | | | — | | | | | | | |
Total | | $ | 1,896 | | $ | — | | $ | 1,097 | | $ | — | | | | | | | |
|
Non-accrual loans and loans past due 90 days still on accrual include both smaller balance homogeneous loans that are collectively evaluated for impairment and individually classified impaired loans. |
| | | | | | | | | | | | | | | | | | | |
|
The following table presents the aging of the recorded investment in past due loans as of March 31, 2014 by class of loans: |
|
| | Days Past Due | | | | | | | | | | |
| | 30 - 59 | | 60 - 89 | | 90 Days or | | Total | | Loans Not | | | | |
| | Days | | Days | | Greater | | Past Due | | Past Due | | Total | |
Commercial | | $ | 5 | | $ | — | | $ | — | | $ | 5 | | $ | 31,979 | | $ | 31,984 | |
Commercial real estate: | | | | | | | | | | | | | | | | | | | |
Construction | | | — | | | — | | | — | | | — | | | 2,586 | | | 2,586 | |
Other | | | — | | | 108 | | | 1,519 | | | 1,627 | | | 125,133 | | | 126,760 | |
1-4 Family residential: | | | | | | | | | | | | | | | | | | | |
Owner occupied | | | 421 | | | — | | | 168 | | | 589 | | | 29,897 | | | 30,486 | |
Non-owner occupied | | | 39 | | | — | | | 25 | | | 64 | | | 16,393 | | | 16,457 | |
Construction | | | — | | | — | | | — | | | — | | | 659 | | | 659 | |
Consumer | | | 67 | | | 44 | | | — | | | 111 | | | 9,414 | | | 9,525 | |
Total | | $ | 532 | | $ | 152 | | $ | 1,712 | | $ | 2,396 | | $ | 216,061 | | $ | 218,457 | |
|
The above table of past due loans includes the recorded investment in non-accrual loans of $41 in the 30-59 days category, $49 in the 60-89 days category, $1,712 in the 90 days or greater category and $94 in the loans not past due category. |
|
The following table presents the aging of the recorded investment in past due loans as of June 30, 2013 by class of loans: |
|
| | Days Past Due | | | | | | | | | | |
| | 30 – 59 | | 60 - 89 | | 90 Days or | | Total | | Loans Not | | | | |
| | Days | | Days | | Greater | | Past Due | | Past Due | | Total | |
Commercial | | $ | — | | $ | — | | $ | 46 | | $ | 46 | | $ | 26,688 | | $ | 26,674 | |
Commercial real estate: | | | | | | | | | | | | | | | | | | | |
Construction | | | — | | | — | | | — | | | — | | | 2,088 | | | 2,088 | |
Other | | | 1,158 | | | — | | | — | | | 1,158 | | | 124,500 | | | 125,658 | |
1-4 Family residential: | | | | | | | | | | | | | | | | | | | |
Owner occupied | | | 245 | | | — | | | 252 | | | 497 | | | 32,365 | | | 32,862 | |
Non-owner occupied | | | — | | | — | | | 84 | | | 84 | | | 17,854 | | | 17,938 | |
Construction | | | — | | | — | | | — | | | — | | | 376 | | | 376 | |
Consumer | | | 72 | | | 35 | | | 2 | | | 109 | | | 11,821 | | | 11,930 | |
Total | | $ | 1,475 | | $ | 8 | | $ | 384 | | $ | 1,894 | | $ | 215,692 | | $ | 217,586 | |
|
The above table of past due loans includes the recorded investment in non-accrual loans of $7 in the 30 - 59 days past due category, $382 in the 90 days or greater and $708 in the loans not past due category. |
|
Troubled Debt Restructurings: |
As of March 31, 2014, the recorded investment of loans classified as troubled debt restructurings was $1,546 with $125 of specific reserves allocated to these loans. As of June 30, 2013, the recorded investment of loans classified as troubled debt restructurings was $1,946 with $245 of specific reserves allocated to these loans. As of March 31, 2014 and June 30, 2013, the Corporation had not committed to lend any additional amounts to customers with outstanding loans that are classified as troubled debt restructurings. |
|
During the nine months ended March 31, 2014 there were no loan modifications completed that were classified as troubled debt restructurings. There was no increase to the allowance for loan losses or any charge offs from troubled debt restructurings during the three or nine month periods ended March 31, 2014. |
|
The following table presents loans by class modified as troubled debt restructurings that occurred during the nine months ended March 31, 2013: |
|
| | | | | Pre-Modification | | Post-Modification | | | | | | | | | | |
| | Number of | | Outstanding Recorded | | Outstanding Recorded | | | | | | | | | | |
| | Loans | | Investment | | Investment | | | | | | | | | | |
Commercial real estate: | | | | | | | | | | | | | | | | | | | |
Other | | | 1 | | $ | 285 | | $ | 282 | | | | | | | | | | |
1 – 4 Family residential: | | | | | | | | | | | | | | | | | | | |
Owner occupied | | | 1 | | | 21 | | | 21 | | | | | | | | | | |
Total | | | 2 | | $ | 306 | | $ | 303 | | | | | | | | | | |
|
Troubled debt restructurings increased the allowance for loan losses by $41 and $43 for the three and nine month periods ending March 31, 2013, respectively. There were no charge offs from troubled debt restructurings during the three or nine month periods ending March 31, 2013. |
|
There were no loans classified as troubled debt restructurings for which there was a payment default during the three or nine month periods ending March 31, 2014 or 2013. A loan is considered to be in payment default once it is 90 days contractually past due under the modified terms. |
|
Credit Quality Indicators: |
The Corporation 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, current economic trends and other relevant information. The Corporation analyzes loans individually by classifying the loans as to credit risk. This analysis includes loans with a total outstanding loan relationship greater than $100 and non-homogeneous loans, such as commercial and commercial real estate loans. Management monitors the loans on an ongoing basis for any changes in the borrower’s ability to service their debt and affirm the risk ratings for the loans and leases in their respective portfolio on an annual basis. The Corporation uses the following definitions 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 the institution'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 the institution will sustain 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 above that are analyzed individually as part of the above described process are considered to be pass rated loans. Loans listed as not rated are either less than $100 or are included in groups of homogeneous loans. These loans are evaluated based on delinquency status, which are disclosed in the previous table within this footnote. Based on the most recent analysis performed, the recorded investment by risk category of loans by class of loans was as follows: |
|
| | As of March 31, 2014 | | | | |
| | | | | Special | | | | | | | | Not | | | | |
| | Pass | | Mention | | Substandard | | Doubtful | | Rated | | | | |
Commercial | | $ | 28,506 | | $ | 2,378 | | $ | 68 | | $ | — | | $ | 1,032 | | | | |
Commercial real estate: | | | | | | | | | | | | | | | | | | | |
Construction | | | 2,522 | | | 64 | | | — | | | — | | | — | | | | |
Other | | | 115,553 | | | 5,572 | | | 2,849 | | | 2,360 | | | 426 | | | | |
1-4 Family residential real estate: | | | | | | | | | | | | | | | | | | | |
Owner occupied | | | 4,085 | | | — | | | — | | | 336 | | | 26,065 | | | | |
Non-owner occupied | | | 14,559 | | | 840 | | | 344 | | | 580 | | | 134 | | | | |
Construction | | | 659 | | | — | | | — | | | — | | | — | | | | |
Consumer | | | — | | | — | | | — | | | — | | | 9,525 | | | | |
Total | | $ | 165,884 | | $ | 8,854 | | $ | 3,261 | | $ | 3,276 | | $ | 37,182 | | | | |
|
| | As of June 30, 2013 | | | | |
| | | | | Special | | | | | | | | Not | | | | |
| | Pass | | Mention | | Substandard | | Doubtful | | Rated | | | | |
Commercial | | $ | 23,886 | | $ | 1,236 | | $ | 224 | | $ | 51 | | $ | 1,337 | | | | |
Commercial real estate: | | | | | | | | | | | | | | | | | | | |
Construction | | | 2,003 | | | 85 | | | — | | | — | | | — | | | | |
Other | | | 115,269 | | | 4,439 | | | 4,073 | | | 865 | | | 1,012 | | | | |
1-4 Family residential real estate: | | | | | | | | | | | | | | | | | | | |
Owner occupied | | | 4,083 | | | — | | | — | | | 406 | | | 28,373 | | | | |
Non-owner occupied | | | 14,443 | | | 1,104 | | | 995 | | | 990 | | | 406 | | | | |
Construction | | | 243 | | | — | | | — | | | — | | | 133 | | | | |
Consumer | | | — | | | — | | | — | | | — | | | 11,930 | | | | |
Total | | $ | 159,927 | | $ | 6,864 | | $ | 5,292 | | $ | 2,312 | | $ | 43,191 | | | | |
| | | | | | | | | | | | | | | | | | | |