Loans, Notes, Trade and Other Receivables Disclosure [Text Block] | Note 5 Loans and allowance for loan losses September 30, 2015 December 31, 2014 Amount % Amount % Construction and land development Residential $ 5,188 1.73 % $ 4,315 1.51 % Commercial 26,220 8.76 % 25,152 8.80 % 31,408 10.49 % 29,467 10.31 % Commercial real estate Owner occupied 68,437 22.84 % 58,804 20.55 % Non-owner occupied 38,132 12.72 % 38,892 13.59 % Multifamily 8,195 2.73 % 11,438 4.00 % Farmland 394 0.13 % 434 0.15 % 115,158 38.42 % 109,568 38.29 % Consumer real estate Home equity lines 20,024 6.68 % 20,082 7.02 % Secured by 1-4 family residential First deed of trust 58,470 19.51 % 61,837 21.61 % Second deed of trust 7,249 2.42 % 7,854 2.74 % 85,743 28.61 % 89,773 31.37 % Commercial and industrial loans 19,457 6.49 % 22,165 7.75 % Guaranteed student loans 46,355 15.46 % 33,562 11.73 % Consumer and other 1,624 0.53 % 1,611 0.55 % Total loans 299,745 100.00 % 286,146 100.00 % Deferred loan cost, net 1,294 722 Less: allowance for loan losses (5,496) (5,729) $ 295,543 $ 281,139 · Risk rated 1 to 4 loans are considered of sufficient quality to preclude an adverse rating. These assets generally are well protected by the current net worth and paying capacity of the obligor or by the value of the asset or underlying collateral; · Risk rated 5 loans are defined as having potential weaknesses that deserve management’s close attention; · Risk rated 6 loans are inadequately protected by the current sound worth and paying capacity of the obligor or of the collateral pledged, if any; · Risk rated 7 loans have all the weaknesses inherent in substandard loans, with the added characteristics that the weaknesses make collection or liquidation in full, on the basis of currently existing facts, conditions and values, highly questionable and improbable; and · Loans rated 6 or 7 are considered “Classified” loans for regulatory classification purposes. Risk Rated Risk Rated Risk Rated Risk Rated Total 1-4 5 6 7 Loans September 30, 2015 Construction and land development Residential $ 5,188 $ - $ - $ - $ 5,188 Commercial 24,165 581 1,474 - 26,220 29,353 581 1,474 - 31,408 Commercial real estate Owner occupied 62,315 2,882 3,240 - 68,437 Non-owner occupied 36,020 2,015 97 - 38,132 Multifamily 7,993 202 - - 8,195 Farmland 394 - - - 394 106,722 5,099 3,337 - 115,158 Consumer real estate Home equity lines 18,909 237 878 - 20,024 Secured by 1-4 family residential First deed of trust 52,409 2,919 3,142 - 58,470 Second deed of trust 6,404 26 819 - 7,249 77,722 3,182 4,839 - 85,743 Commercial and industrial loans 18,049 386 1,022 - 19,457 Guaranteed student loans 46,355 - - - 46,355 Consumer and other 1,534 66 24 - 1,624 Total loans $ 279,735 $ 9,314 $ 10,696 $ - $ 299,745 Risk Rated Risk Rated Risk Rated Risk Rated Total 1-4 5 6 7 Loans December 31, 2014 Construction and land development Residential $ 3,946 $ 205 $ 164 $ - $ 4,315 Commercial 20,641 1,622 2,889 - 25,152 24,587 1,827 3,053 - 29,467 Commercial real estate Owner occupied 47,175 5,234 6,395 - 58,804 Non-owner occupied 36,439 1,811 642 - 38,892 Multifamily 10,703 735 - - 11,438 Farmland 413 - 21 - 434 94,730 7,780 7,058 - 109,568 Consumer real estate Home equity lines 18,107 465 1,510 - 20,082 Secured by 1-4 family residential First deed of trust 52,513 4,763 4,561 - 61,837 Second deed of trust 6,456 434 964 - 7,854 77,076 5,662 7,035 - 89,773 Commercial and industrial loans 19,026 2,297 390 452 22,165 Guaranteed student loans 33,562 - - - 33,562 Consumer and other 1,488 74 49 - 1,611 Total loans $ 250,469 $ 17,640 $ 17,585 $ 452 $ 286,146 Recorded Greater Investment > 30-59 Days 60-89 Days Than Total Past Total 90 Days and Past Due Past Due 90 Days Due Current Loans Accruing September 30, 2015 Construction and land development Residential $ - $ - $ - $ - $ 5,188 $ 5,188 $ - Commercial - - - - 26,220 26,220 - - - - - 31,408 31,408 - Commercial real estate Owner occupied 157 - - 157 68,280 68,437 - Non-owner occupied - - - - 38,132 38,132 - Multifamily - - - - 8,195 8,195 - Farmland - - - - 394 394 - 157 - - 157 115,001 115,158 - Consumer real estate Home equity lines 27 49 - 76 19,948 20,024 - Secured by 1-4 family residential First deed of trust - 263 - 263 58,207 58,470 - Second deed of trust - - - - 7,249 7,249 - 27 312 - 339 85,404 85,743 - Commercial and industrial loans - - - - 19,457 19,457 - Guaranteed student loans 1,750 1,092 9,117 11,959 34,396 46,355 9,117 Consumer and other - - - - 1,624 1,624 - Total loans $ 1,934 $ 1,404 $ 9,117 $ 12,455 $ 287,290 $ 299,745 $ 9,117 Recorded Greater Investment > 30-59 Days 60-89 Days Than Total Past Total 90 Days and Past Due Past Due 90 Days Due Current Loans Accruing December 31, 2014 Construction and land development Residential $ - $ - $ - $ - $ 4,315 $ 4,315 $ - Commercial 92 391 - 483 24,669 25,152 - 92 391 - 483 28,984 29,467 - Commercial real estate Owner occupied 715 - - 715 58,089 58,804 - Non-owner occupied - - - - 38,892 38,892 - Multifamily - - - - 11,438 11,438 - Farmland - - - - 434 434 - 715 - - 715 108,853 109,568 - Consumer real estate Home equity lines 31 139 - 170 19,912 20,082 - Secured by 1-4 family residential First deed of trust - 153 - 153 61,684 61,837 - Second deed of trust 56 - - 56 7,798 7,854 - 87 292 - 379 89,394 89,773 - Commercial and industrial loans - 47 - 47 22,118 22,165 - Guaranteed student loans 671 392 720 1,783 31,779 33,562 720 Consumer and other - 8 - 8 1,603 1,611 - Total loans $ 1,565 $ 1,130 $ 720 $ 3,415 $ 282,731 $ 286,146 $ 720 Loans are considered impaired when, based on current information and events it is probable the Company will be unable to collect all amounts due in accordance with the original contractual terms of the loan agreement, including scheduled principal and interest payments. Loans evaluated individually for impairment include non-performing loans, such as loans on non-accrual, loans past due by 90 days or more, restructured loans and other loans selected by management. The evaluations are based upon discounted expected cash flows or collateral valuations. If the evaluation shows that a loan is individually impaired, then a specific reserve is established for the amount of impairment. Impairment is evaluated in total for smaller-balance loans of a similar nature and on an individual loan basis for other loans. If a loan is impaired, a specific valuation allowance is allocated, if necessary, so that the loan is reported net, at the present value of estimated future cash flows using the loan’s existing rate or at the fair value of collateral if repayment is expected solely from the collateral. Interest payments on impaired loans are typically applied to principal unless collectability of the principal amount is reasonably assured, in which case interest is recognized on a cash basis. Impaired loans, or portions thereof, are charged off when deemed uncollectible. September 30, 2015 Unpaid Recorded Principal Related Investment Balance Allowance With no related allowance recorded Construction and land development Commercial $ 1,403 $ 1,655 $ - Commercial real estate Owner occupied 1,594 1,594 Non-owner occupied 2,100 2,677 - Multifamily - - - Farmland - - - 3,694 4,271 - Consumer real estate Home equity lines 1,407 1,407 - Secured by 1-4 family residential First deed of trust 5,005 5,009 - Second deed of trust 1,115 1,386 - 7,527 7,802 - Commercial and industrial loans 454 454 - Consumer and other - - - 13,078 14,182 - With an allowance recorded Construction and land development Commercial 575 575 26 Commercial real estate Owner occupied 5,550 5,515 366 Non-Owner occupied 456 456 38 6,006 5,971 404 Consumer real estate Home equity lines 89 89 9 Secured by 1-4 family residential First deed of trust 1,350 1,350 215 Second deed of trust 356 356 147 1,795 1,795 371 Commercial and industrial loans 136 232 17 8,512 8,573 818 Total Construction and land development Commercial 1,978 2,230 26 1,978 2,230 26 Commercial real estate Owner occupied 7,144 7,109 366 Non-owner occupied 2,556 3,133 38 9,700 10,242 404 Consumer real estate Home equity lines 1,496 1,496 9 Secured by 1-4 family residential, First deed of trust 6,355 6,359 215 Second deed of trust 1,471 1,742 147 9,322 9,597 371 Commercial and industrial loans 590 686 17 Consumer and other - - - $ 21,590 $ 22,755 $ 818 December 31, 2014 Unpaid Recorded Principal Related Investment Balance Allowance With no related allowance recorded Construction and land development Residential $ 164 $ 164 $ - Commercial 3,379 3,379 - 3,543 3,543 - Commercial real estate Owner occupied 1,686 1,686 Non-owner occupied 6,593 6,593 - Multifamily 2,322 2,322 - Farmland 21 450 - 10,622 11,051 - Consumer real estate Home equity lines 800 800 - Secured by 1-4 family residential First deed of trust 6,485 6,493 - Second deed of trust 1,103 1,373 - 8,388 8,666 - Commercial and industrial loans 263 365 - Consumer and other 23 36 - 22,839 23,661 - With an allowance recorded Construction and land development Commercial 589 589 26 Commercial real estate Owner occupied 6,625 6,640 905 Consumer real estate Secured by 1-4 family residential First deed of trust 1,415 1,415 200 Second deed of trust 257 257 142 1,672 1,672 342 Commercial and industrial loans 555 555 239 9,441 9,456 1,512 Total Construction and land development Residential 164 164 - Commercial 3,968 3,968 26 4,132 4,132 26 Commercial real estate Owner occupied 8,311 8,326 905 Non-owner occupied 6,593 6,593 - Multifamily 2,322 2,322 - Farmland 21 450 - 17,247 17,691 905 Consumer real estate Home equity lines 800 800 - Secured by 1-4 family residential, First deed of trust 7,900 7,908 200 Second deed of trust 1,360 1,630 142 10,060 10,338 342 Commercial and industrial loans 818 920 239 Consumer and other 23 36 - $ 32,280 $ 33,117 $ 1,512 For the Three Months For the Nine Months Ended September 30, 2015 Ended September 30, 2015 Average Interest Average Interest Recorded Income Recorded Income Investment Recognized Investment Recognized With no related allowance recorded Construction and land development Residential $ - $ - $ 76 $ - Commercial 2,191 - 2,579 66 2,191 - 2,655 66 Commercial real estate Owner occupied 1,364 14 1,409 45 Non-owner occupied 4,971 - 5,947 157 Multifamily - - 319 6 Farmland - - 5 - 6,335 14 7,680 208 Consumer real estate Home equity lines 1,178 - 617 4 Secured by 1-4 family residential First deed of trust 5,665 - 6,120 173 Second deed of trust 1,118 13 1,162 43 7,961 13 7,899 220 Commercial and industrial loans 185 22 181 26 Consumer and other - - 13 1 16,672 49 18,428 521 With an allowance recorded Construction and land development Commercial 529 6 578 17 Commercial real estate Owner occupied 5,544 53 6,197 169 Non-Owner occupied 459 6 262 18 6,003 59 6,459 187 Consumer real estate Home equity line 89 - 45 - Secured by 1-4 family residential First deed of trust 1,387 - 1,306 - Second deed of trust 284 - 262 - 1,760 - 1,613 - Commercial and industrial loans 226 4 378 20 8,518 69 9,028 224 Total Construction and land development Residential - - 76 - Commercial 2,720 6 3,157 83 2,720 6 3,233 83 Commercial real estate Owner occupied 6,908 67 7,606 214 Non-owner occupied 5,430 6 6,209 175 Multifamily - - 319 6 Farmland - - 5 - 12,338 73 14,139 395 Consumer real estate Home equity lines 1,267 - 662 4 Secured by 1-4 family residential, First deed of trust 7,052 - 7,426 173 Second deed of trust 1,402 13 1,424 43 9,721 13 9,512 220 Commercial and industrial loans 411 26 559 46 Consumer and other - - 13 1 $ 25,190 $ 118 $ 27,456 $ 745 For the Three Months For the Nine Months Ended September 30, 2014 Ended September 30, 2014 Average Interest Average Interest Recorded Income Recorded Income Investment Recognized Investment Recognized With no related allowance recorded Construction and land development Residential $ 133 - $ 206 2 Commercial 3,584 52 3,841 150 3,717 52 4,047 152 Commercial real estate Owner occupied 2,654 70 3,161 135 Non-owner occupied 9,557 120 9,994 335 Multifamily 2,340 35 2,353 106 Farmland 21 - 21 - 14,572 225 15,529 576 Consumer real estate Home equity lines 950 3 960 19 Secured by 1-4 family residential First deed of trust 7,259 75 7,175 268 Second deed of trust 1,147 9 1,066 42 9,356 87 9,201 329 Commercial and industrial loans (except those secured by real estate) 746 7 751 30 Consumer and other 17 - 19 1 $ 28,408 $ 371 $ 29,547 $ 1,088 With an allowance recorded Construction and land development Commercial 598 8 603 23 Commercial real estate Owner occupied 2,801 62 4,446 154 Non-Owner occupied 1,946 9 217 9 4,747 71 4,663 163 Consumer real estate Secured by 1-4 family residential First deed of trust 1,870 22 1,944 24 Second deed of trust 260 5 264 8 2,130 27 2,208 32 Commercial and industrial loans 110 - 115 - $ 7,585 $ 106 $ 7,589 $ 218 Total Construction and land development Residential 133 - 206 2 Commercial 4,182 60 4,444 173 4,315 60 4,650 175 Commercial real estate Owner occupied 5,455 132 7,607 289 Non-owner occupied 11,503 129 10,211 344 Multifamily 2,340 35 2,353 106 Farmland 21 - 21 - 19,319 296 20,192 739 Consumer real estate Home equity lines 950 3 960 19 Secured by 1-4 family residential, First deed of trust 9,129 97 9,119 292 Second deed of trust 1,407 14 1,330 50 11,486 114 11,409 361 Commercial and industrial loans 856 7 866 30 Consumer and other 17 - 19 1 $ 35,993 $ 477 $ 37,136 $ 1,306 Included in impaired loans are loans classified as troubled debt restructurings (“TDRs”). A modification of a loan’s terms constitutes a TDR if the creditor grants a concession to the borrower for economic or legal reasons related to the borrower’s financial difficulties that it would not otherwise consider. For loans classified as impaired TDRs, the Company further evaluates the loans as performing or nonperforming. If, at the time of restructure, the loan is not considered nonaccrual, it will be classified as performing. TDRs originally classified as nonperforming are able to be reclassified as performing if, subsequent to restructure, they experience six months of payment performance according to the restructured terms. Valuation Total Performing Nonaccrual Allowance September 30, 2015 Construction and land development Commercial $ 1,723 $ 1,705 $ 19 $ - 1,723 1,705 19 - Commercial real estate Owner occupied 5,773 5,489 284 59 Non-owner occupied 2,556 2,556 - - 8,329 8,045 284 59 Consumer real estate Home equity lines 89 - 89 9 Secured by 1-4 family residential First deed of trust 4,610 3,742 868 107 Second deed of trust 739 644 95 - 5,438 4,386 1,052 116 Commercial and industrial loans 131 - 131 17 Consumer and other - - - - $ 15,621 $ 14,135 $ 1,486 $ 192 Number of loans 67 48 19 10 Specific Valuation Total Performing Nonaccrual Allowance December 31, 2014 Construction and land development Residential 7 - 7 - Commercial 3,895 3,751 144 17 3,902 3,751 151 17 Commercial real estate Owner occupied 6,317 5,149 1,168 325 Non-owner occupied 6,593 6,593 - - Multifamily 2,322 2,322 - - 15,232 14,065 1,168 325 Consumer real estate Secured by 1-4 family residential - - - - First deeds of trust 6,990 5,494 1,496 200 Second deeds of trust 762 658 104 5 7,752 6,152 1,600 205 Commercial and industrial loans 239 - 239 12 Consumer and other 16 - 16 - $ 27,141 $ 23,967 $ 3,174 $ 559 Number of loans 107 77 30 21 Nine Months Ended September 30, 2015 Nine Months Ended September 30, 2014 Pre- Post- Pre- Post- Modification Modification Modification Modification Number of Recorded Recorded Number of Recorded Recorded Loans Balance Balance Loans Balance Balance Construction and land development Commercial - $ - $ - 1 $ 45 $ 45 - - - 1 45 45 Commercial real estate Owner occupied - - - 2 743 743 Non-owner occupied - - - - - - - - - 2 743 743 Consumer real estate Home equity lines 1 89 89 - - - Secured by 1-4 family residential First deed of trust - - - 7 729 729 Second deed of trust - - - 2 105 105 1 89 89 9 834 834 1 $ 89 $ 89 12 $ 1,622 $ 1,622 The following table provides information about defaults on TDRs identified for the indicated periods (dollars in thousands): Nine Months Ended September 30, 2015 Nine Months Ended September 30, 2014 Number of Recorded Number of Recorded Loans Balance Loans Balance Construction and land development Commercial 1 $ 19 1 $ 45 1 19 1 45 Commercial real estate Owner occupied 1 157 1 334 Non-owner occupied - - - - 1 157 1 334 Consumer real estate Home equity lines - - - - Secured by 1-4 family residential First deed of trust 11 897 5 541 Second deed of trust - - 2 105 11 897 7 646 Commercial and industrial 1 131 - - 14 $ 1,204 9 $ 1,025 Beginning Provision for Ending Balance Loan Losses Charge-offs Recoveries Balance Three Months Ended September 30, 2015 Construction and land development Residential $ 92 $ (9) $ - $ - $ 83 Commercial 369 113 (67) - 415 461 104 (67) - 498 Commercial real estate Owner occupied 1,686 (150) - 33 1,569 Non-owner occupied 639 51 - 2 692 Multifamily 110 2 - - 112 Farmland 127 (48) - - 79 2,562 (145) - 35 2,452 Consumer real estate Home equity lines 441 59 (14) 1 487 Secured by 1-4 family residential First deed of trust 1,192 72 (37) 5 1,232 Second deed of trust 250 (17) - 12 245 1,883 114 (51) 18 1,964 Commercial and industrial loans 382 (67) - 15 330 Student Loans 253 (21) (2) - 230 Consumer and other 26 15 (21) 2 22 $ 5,567 $ - $ (141) $ 70 $ 5,496 Beginning Provision for Ending Balance Loan Losses Charge-offs Recoveries Balance Three Months Ended September 30, 2014 Construction and land development Residential $ 141 $ - $ - $ - $ 141 Commercial 770 - - 27 797 911 - - 27 938 Commercial real estate Owner occupied 1,245 - - - 1,245 Non-owner occupied (15) - - 1 (14) Multifamily 17 - - - 17 Farmland 409 - - - 409 1,656 - - 1 1,657 Consumer real estate Home equity lines 225 - (52) 12 185 Secured by 1-4 family residential First deed of trust 1,744 - (39) 9 1,714 Second deed of trust 440 - - 5 445 2,409 - (91) 26 2,344 Commercial and industrial loans 678 - - 13 691 Consumer and other 27 - (3) 4 28 $ 5,681 $ - $ (94) $ 71 $ 5,658 Beginning Provision for Ending Balance Loan Losses Charge-offs Recoveries Balance Nine Months Ended September 30, 2015 Construction and land development Residential $ 34 $ 48 $ - $ 1 $ 83 Commercial 202 443 (252) 22 415 236 491 (252) 23 498 Commercial real estate Owner occupied 1,836 (173) (127) 33 1,569 Non-owner occupied 607 81 - 4 692 Multifamily 78 34 - - 112 Farmland 130 (51) - - 79 2,651 (109) (127) 37 2,452 Consumer real estate Home equity lines 469 70 (54) 2 487 Secured by 1-4 family residential First deed of trust 1,345 (384) (103) 374 1,232 Second deed of trust 275 - (55) 25 245 2,089 (314) (212) 401 1,964 Commercial and industrial loans 506 (87) (162) 73 330 Student Loans 217 14 (1) - 230 Consumer and other 30 5 (30) 17 22 $ 5,729 $ - $ (784) $ 551 $ 5,496 Beginning Provision for Ending Balance Loan Losses Charge-offs Recoveries Balance Nine Months Ended September 30, 2014 Construction and land development Residential $ 135 $ 5 $ - $ 1 $ 141 Commercial 1,274 (421) (100) 44 797 1,409 (416) (100) 45 938 Commercial real estate Owner occupied 1,199 653 (608) - 1,244 Non-owner occupied 670 (470) (238) 24 (14) Multifamily 20 (2) - - 18 Farmland 337 168 (96) - 409 2,226 349 (942) 24 1,657 Consumer real estate Home equity lines 424 223 (476) 14 185 Secured by 1-4 family residential First deed of trust 1,992 (65) (277) 64 1,714 Second deed of trust 394 12 (76) 115 445 2,810 170 (829) 193 2,344 Commercial and industrial loans 724 45 (168) 90 691 Consumer and other 70 (48) (8) 14 28 $ 7,239 $ 100 $ (2,047) $ 366 $ 5,658 Beginning Provision for Ending Balance Loan Losses Charge-offs Recoveries Balance Year Ended December 31, 2014 Construction and land development Residential $ 135 $ (103) $ - $ 2 $ 34 Commercial 1,274 (1,016) (100) 44 202 1,409 (1,119) (100) 46 236 Commercial real estate Owner occupied 1,199 1,268 (631) - 1,836 Non-owner occupied 670 430 (518) 25 607 Multifamily 20 58 - - 78 Farmland 337 (111) (96) - 130 2,226 1,645 (1,245) 25 2,651 Consumer real estate Home equity lines 424 506 (476) 15 469 Secured by 1-4 family residential First deed of trust 1,992 (442) (277) 72 1,345 Second deed of trust 394 (223) (86) 190 275 2,810 (159) (839) 277 2,089 Commercial and industrial loans 724 (447) (172) 401 506 Student Loans - 217 - - 217 Consumer and other 70 (37) (25) 22 30 $ 7,239 $ 100 $ (2,381) $ 771 $ 5,729 The allowance for loan losses at each of the periods presented includes an amount that could not be identified to individual types of loans referred to as the unallocated portion of the allowance. We recognize the inherent imprecision in estimates of losses due to various uncertainties and variability related to the factors used, and therefore a reasonable range around the estimate of losses is derived and used to ascertain whether the allowance is too high. We concluded that the unallocated portion of the allowance was warranted given the continued higher level of classified assets and was within a reasonable range around the estimate of losses. Recorded Investment in Loans Allowance Loans Loans acquired Loans acquired Ending with deteriorated Ending with deteriorated Balance Individually Collectively credit quality Balance Individually Collectively credit quality Period Ended September 30, 2015 Construction and land development Residential $ 83 $ - $ 83 $ - $ 5,188 $ - $ 5,188 $ - Commercial 415 26 389 - 26,220 1,978 24,242 - 498 26 472 - 31,408 1,978 29,430 - Commercial real estate Owner occupied 1,569 366 1,203 - 68,437 7,144 61,293 - Non-owner occupied 692 38 654 - 38,132 2,556 35,576 - Multifamily 112 - 112 - 8,195 - 8,195 - Farmland 79 - 79 - 394 - 394 - 2,452 404 2,048 - 115,158 9,700 105,458 - Consumer real estate Home equity lines 487 9 478 - 20,024 1,496 18,528 - Secured by 1-4 family residential First deed of trust 1,232 215 1,017 - 58,470 6,355 52,115 - Second deed of trust 245 147 98 - 7,249 1,471 5,778 - 1,964 371 1,593 - 85,743 9,322 76,422 - Commercial and industrial loans 330 17 313 - 19,457 590 18,867 - Student loans 230 - 230 46,355 - 46,355 - Consumer and other 22 - 22 - 1,624 - 1,624 - $ 5,496 $ 818 $ 4,678 $ - $ 299,745 $ 21,590 $ 278,156 $ - Year Ended December 31, 2014 Construction and land development Residential $ 34 $ - $ 34 $ - $ 4,315 $ 164 $ 4,151 $ - Commercial 202 26 176 - 25,152 3,968 21,184 - 236 26 210 - 29,467 4,132 25,335 - Commercial real estate Owner occupied 1,836 905 931 - 58,804 8,311 50,493 - Non-owner occupied 607 - 607 - 38,892 6,593 32,299 - Multifamily 78 - 78 - 11,438 2,322 9,116 - Farmland 130 - 130 - 434 21 413 - 2,651 905 1,746 - 109,568 17,247 92,321 - Consumer real estate Home equity lines 469 - 469 - 20,082 800 19,282 - Secured by 1-4 family residential First deed of trust 1,345 200 1,145 - 61,837 7,900 53,937 - Second deed of trust 275 142 133 - 7,854 1,360 6,494 - 2,089 342 1,747 - 89,773 10,060 79,713 - Commercial and industrial loans 506 239 267 - 22,165 818 21,347 - Student loans 217 - 217 33,562 - 33,562 - Consumer and other 30 - 30 - 1,611 23 1,588 - $ 5,729 $ 1,512 $ 4,217 $ - $ 286,146 $ 32,280 $ 253,866 $ - |