Loans, Notes, Trade and Other Receivables Disclosure [Text Block] | Note 5 – Loans and allowance for loan losses The following table presents the composition of our loan portfolio (excluding mortgage loans held for sale) at the dates indicated (dollars in thousands): September 30, 2018 December 31, 2017 Amount % Amount % Construction and land development Residential $ 14,263 3.43 % $ 5,361 1.45 % Commercial 26,818 6.45 % 25,456 6.91 % 41,081 9.88 % 30,817 8.36 % Commercial real estate Owner occupied 97,632 23.49 % 85,004 23.06 % Non-owner occupied 87,006 20.94 % 70,845 19.21 % Multifamily 15,411 3.71 % 9,386 2.55 % Farmland 232 0.06 % 270 0.07 % 200,281 48.20 % 165,505 44.89 % Consumer real estate Home equity lines 22,393 5.39 % 22,849 6.20 % Secured by 1-4 family residential First deed of trust 59,564 14.33 % 57,919 15.71 % Second deed of trust 9,757 2.35 % 7,460 2.02 % 91,714 22.07 % 88,228 23.93 % Commercial and industrial loans (except those secured by real estate) 40,142 9.66 % 36,506 9.90 % Guaranteed student loans 40,502 9.75 % 45,805 12.42 % Consumer and other 1,835 0.44 % 1,848 0.50 % Total loans 415,555 100.0 % 368,709 100.0 % Deferred fees and costs, net 764 699 Less: allowance for loan losses (3,131 ) (3,239 ) $ 413,188 $ 366,169 The Bank has a purchased portfolio of rehabilitated student loans guaranteed by the Department of Education (“DOE”). The guarantee covers approximately 98% of principal and accrued interest. The loans are serviced by a third-party servicer that specializes in handling the special needs of the DOE student loan programs. At September 30, 2018 and December 31, 2017, the Company had loans of $36,303,000 and $29,615,000 pledged to secure borrowings from the FHLB, respectively. Loans are considered past due if the required principal and interest payments have not been received as of the date such payments were due. Loans are placed on nonaccrual status when, in management’s opinion, the borrower may be unable to meet payment obligations as they become due, as well as when required by regulatory provisions. Loans may be placed on nonaccrual status regardless of whether or not such loans are considered past due as long as the remaining recorded investment in the loan is deemed fully collectible. When interest accrual is discontinued, all unpaid accrued interest is reversed. Interest income is subsequently recognized only to the extent cash payments are received in excess of principal due. Loans are returned to accrual status when all principal and interest amounts contractually due are brought to current and future payments are reasonably assured. The following table provides information on nonaccrual loans segregated by type at the dates indicated (dollars in thousands): September 30, December 31, 2018 2017 Construction and land development Commercial $ 40 $ 43 40 43 Commercial real estate Owner occupied - 183 Non-owner occupied 515 - 515 183 Consumer real estate Home equity lines 128 135 Secured by 1-4 family residential First deed of trust 799 1,000 Second deed of trust 155 67 1,082 1,202 Commercial and industrial loans (except those secured by real estate) 432 870 Consumer and other 10 22 Total loans $ 2,079 $ 2,320 The Company assigns risk rating classifications to its loans. These risk ratings are divided into the following groups: · 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 net worth and paying capacity of the obligor or of the collateral pledged, if any; and · 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. The following tables provide information on the risk rating of loans at the dates indicated (dollars in thousands): Risk Rated Risk Rated Risk Rated Risk Rated Total 1-4 5 6 7 Loans September 30, 2018 Construction and land development Residential $ 14,263 $ - $ - $ - $ 14,263 Commercial 26,445 7 366 - 26,818 40,708 7 366 - 41,081 Commercial real estate Owner occupied 91,175 3,290 3,167 - 97,632 Non-owner occupied 86,491 - 515 - 87,006 Multifamily 15,245 166 - - 15,411 Farmland 124 108 - - 232 193,035 3,564 3,682 - 200,281 Consumer real estate Home equity lines 21,318 935 140 - 22,393 Secured by 1-4 family residential First deed of trust 56,180 1,800 1,584 - 59,564 Second deed of trust 9,363 176 218 - 9,757 86,861 2,911 1,942 - 91,714 Commercial and industrial loans (except those secured by real estate) 37,157 2,345 625 15 40,142 Guaranteed student loans 40,502 - - - 40,502 Consumer and other 1,803 8 24 - 1,835 Total loans $ 400,066 $ 8,835 $ 6,639 $ 15 $ 415,555 December 31, 2017 Construction and land development Residential $ 5,361 $ - $ - $ - $ 5,361 Commercial 24,305 1,108 43 - 25,456 29,666 1,108 43 - 30,817 Commercial real estate Owner occupied 78,791 2,716 3,497 - 85,004 Non-owner occupied 70,845 - - - 70,845 Multifamily 9,210 176 - - 9,386 Farmland 270 - - - 270 159,116 2,892 3,497 - 165,505 Consumer real estate Home equity lines 21,777 932 140 - 22,849 Secured by 1-4 family residential First deed of trust 53,591 2,637 1,691 - 57,919 Second deed of trust 7,140 181 139 - 7,460 82,508 3,750 1,970 - 88,228 Commercial and industrial loans (except those secured by real estate) 35,143 139 529 695 36,506 Guaranteed student loans 45,805 - - - 45,805 Consumer and other 1,826 4 18 - 1,848 Total loans $ 354,064 $ 7,893 $ 6,057 $ 695 $ 368,709 The following table presents the aging of the recorded investment in past due loans and leases as of the dates indicated (in thousands): 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, 2018 Construction and land development Residential $ - $ - $ - $ - $ 14,263 $ 14,263 $ - Commercial - - - - 26,818 26,818 - - - - - 41,081 41,081 - Commercial real estate Owner occupied 138 - - 138 97,494 97,632 - Non-owner occupied - - - - 87,006 87,006 - Multifamily - - - - 15,411 15,411 - Farmland - - - - 232 232 - 138 - - 138 200,143 200,281 - Consumer real estate Home equity lines - - - - 22,393 22,393 - Secured by 1-4 family residential First deed of trust 659 368 - 1,027 58,537 59,564 - Second deed of trust 15 - - 15 9,742 9,757 - 674 368 - 1,042 90,672 91,714 - Commercial and industrial loans 7 664 569 1,240 38,902 40,142 569 Guaranteed student loans 2,033 1,260 6,092 9,385 31,117 40,502 6,092 Consumer and other 9 13 - 22 1,813 1,835 - Total loans $ 2,861 $ 2,305 $ 6,661 $ 11,827 $ 403,728 $ 415,555 $ 6,661 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, 2017 Construction and land development Residential $ - $ - $ - $ - $ 5,361 $ 5,361 $ - Commercial - - - - 25,456 25,456 - - - - - 30,817 30,817 - Commercial real estate Owner occupied - - - - 85,004 85,004 - Non-owner occupied - - - - 70,845 70,845 - Multifamily - - - - 9,386 9,386 - Farmland - - - - 270 270 - - - - - 165,505 165,505 - Consumer real estate Home equity lines 18 - - 18 22,831 22,849 - Secured by 1-4 family residential First deed of trust 457 - - 457 57,462 57,919 - Second deed of trust 91 - - 91 7,369 7,460 - 566 - - 566 87,662 88,228 - Commercial and industrial loans - 3 - 3 36,503 36,506 - Guaranteed student loans 2,891 1,300 7,229 11,420 34,385 45,805 7,229 Consumer and other 2 - - 2 1,846 1,848 - Total loans $ 3,459 $ 1,303 $ 7,229 $ 11,991 $ 356,718 $ 368,709 $ 7,229 Loans greater than 90 days past due consist of loans guaranteed by the United States Department of Agriculture, which covers 100% of the principal and interest, and student loans that are guaranteed by the DOE, which covers approximately 98% of the principal and interest. Accordingly, these loans will not be placed on nonaccrual status and are not considered to be impaired. Loans are considered impaired when, based on current information and events it is probable the Company will be unable to collect all amounts when 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. Impaired loans are set forth in the following table as of the dates indicated (in thousands): September 30, 2018 December 31, 2017 Unpaid Unpaid Recorded Principal Related Recorded Principal Related Investment Balance Allowance Investment Balance Allowance With no related allowance recorded Construction and land development Commercial $ 366 $ 464 $ - $ 502 $ 600 $ - 366 464 - 502 600 - Commercial real estate Owner occupied 3,755 3,755 3,879 3,879 - Non-owner occupied 2,608 2,608 - 2,153 2,153 - 6,363 6,363 - 6,032 6,032 - Consumer real estate Home equity lines 688 688 - 577 577 - Secured by 1-4 family residential First deed of trust 3,182 3,182 - 3,931 3,931 - Second deed of trust 732 940 - 505 713 - 4,602 4,810 - 5,013 5,221 - Commercial and industrial loans 427 774 - 480 827 - Consumer and other 1 1 - 3 3 - 11,759 12,412 - 12,030 12,683 - With an allowance recorded Commercial real estate Owner occupied 1,465 1,480 23 1,491 1,506 18 1,465 1,480 23 1,491 1,506 18 Consumer real estate Secured by 1-4 family residential First deed of trust 202 224 21 814 814 98 Second deed of trust 163 163 5 85 85 4 365 387 26 1,034 1,034 104 Commercial and industrial loans 298 497 144 740 740 375 Consumer and other 23 23 23 19 19 18 2,151 2,387 216 3,284 3,299 515 Total Construction and land development Commercial 366 464 - 502 600 - 366 464 - 502 600 - Commercial real estate Owner occupied 5,220 5,235 23 5,370 5,385 18 Non-owner occupied 2,608 2,608 - 2,153 2,153 - 7,828 7,843 23 7,523 7,538 18 Consumer real estate Home equity lines 688 688 - 712 712 2 Secured by 1-4 family residential, First deed of trust 3,384 3,406 21 4,745 4,745 98 Second deed of trust 895 1,103 5 590 798 4 4,967 5,197 26 6,047 6,255 104 Commercial and industrial loans 725 1,271 144 1,220 1,567 375 Consumer and other 24 24 23 22 22 18 $ 13,910 $ 14,799 $ 216 $ 15,314 $ 15,982 $ 515 The following is a summary of average recorded investment in impaired loans with and without a valuation allowance and interest income recognized on those loans for the periods indicated (in thousands): For the Three Months For the Nine Months Ended September 30, 2018 Ended September 30, 2018 Average Interest Average Interest Recorded Income Recorded Income Investment Recognized Investment Recognized With no related allowance recorded Construction and land development Commercial $ 560 $ - $ 546 $ 13 560 - 546 13 Commercial real estate Owner occupied 2,520 29 3,814 109 Non-owner occupied 3,016 - 2,509 231 5,536 29 6,323 340 Consumer real estate Home equity lines 464 - 497 - Secured by 1-4 family residential First deed of trust 1,957 25 3,234 71 Second deed of trust 1,506 12 638 35 3,927 37 4,369 106 Commercial and industrial loans 289 7 446 27 Consumer and other 1 - 2 1 10,313 73 11,686 487 With an allowance recorded Construction and land development Commercial - - - - Commercial real estate Owner occupied 978 26 1,477 48 978 26 1,477 48 Consumer real estate Home equity line 741 - 67 - Secured by 1-4 family residential First deed of trust 217 3 519 18 Second deed of trust 154 2 145 6 1,112 5 731 24 Commercial and industrial loans 288 - 544 - Consumer and other 316 - 15 - 2,694 31 2,767 72 Total Construction and land development Commercial 560 - 546 13 560 - 546 13 Commercial real estate Owner occupied 3,498 55 5,291 157 Non-owner occupied 3,016 - 2,509 231 6,514 55 7,800 388 Consumer real estate Home equity lines 1,205 - 564 - Secured by 1-4 family residential, First deed of trust 2,175 28 3,753 89 Second deed of trust 1,659 14 783 41 5,039 42 5,100 130 Commercial and industrial loans 577 7 990 27 Consumer and other 317 - 17 1 $ 13,007 $ 104 $ 14,453 $ 559 For the Three Months For the Nine Months Ended September 30, 2017 Ended September 30, 2017 Average Interest Average Interest Recorded Income Recorded Income Investment Recognized Investment Recognized With no related allowance recorded Construction and land development Commercial $ 99 $ 1 $ 100 $ 3 99 1 100 3 Commercial real estate Owner occupied 3,531 32 2,539 90 Non-owner occupied 2,187 23 2,206 82 5,718 55 4,745 172 Consumer real estate Home equity lines 751 16 761 17 Secured by 1-4 family residential First deed of trust 3,737 24 3,615 86 Second deed of trust 555 9 563 27 5,043 49 4,939 130 Commercial and industrial loans 470 35 493 49 Consumer and other 4 - 2 - 11,334 140 10,279 354 With an allowance recorded Construction and land development Commercial 467 5 472 17 Commercial real estate Owner occupied 1,929 17 2,978 58 1,929 17 2,978 58 Consumer real estate Home equity line 139 - 69 6 Secured by 1-4 family residential First deed of trust 815 8 1,120 26 Second deed of trust 129 1 131 3 1,083 9 1,320 35 Commercial and industrial loans 444 - 245 4 Consumer and other - - 1 - 3,923 31 5,016 114 Total Construction and land development Commercial 566 6 572 20 566 6 572 20 Commercial real estate Owner occupied 5,460 49 5,517 148 Non-owner occupied 2,187 23 2,206 82 7,647 72 7,723 230 Consumer real estate Home equity lines 890 16 830 23 Secured by 1-4 family residential, First deed of trust 4,552 32 4,735 112 Second deed of trust 684 10 694 30 6,126 58 6,259 165 Commercial and industrial loans 915 35 738 53 Consumer and other 4 - 3 - $ 15,257 $ 171 $ 15,295 $ 468 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 nonaccrual. To restore a nonaccrual loan that has been formally restructured in a TDR to accrual status, we perform a current, well documented credit analysis supporting a return to accrual status based on the borrower’s financial condition and prospects for repayment under the revised terms. Otherwise, the TDR must remain in nonaccrual status. The analysis considers the borrower’s sustained historical repayment performance for a reasonable period to the return-to-accrual date, but may take into account payments made for a reasonable period prior to the restructuring if the payments are consistent with the modified terms. A sustained period of repayment performance generally would be a minimum of six months and would involve payments in the form of cash or cash equivalents. An accruing loan that is modified in a TDR can remain in accrual status if, based on a current well-documented credit analysis, collection of principal and interest in accordance with the modified terms is reasonably assured, and the borrower has demonstrated sustained historical repayment performance for a reasonable period before modification. The following is a summary of performing and nonaccrual TDRs and the related specific valuation allowance by portfolio segment for the periods indicated (dollars in thousands). Specific Valuation Total Performing Nonaccrual Allowance September 30, 2018 Construction and land development Commercial $ - $ - $ - $ - - - - - Commercial real estate Owner occupied 4,102 4,102 - 23 Non-owner occupied 2,092 2,092 - - 6,194 6,194 - 23 Consumer real estate Secured by 1-4 family residential First deeds of trust 2,407 1,871 536 21 Second deeds of trust 805 739 65 5 3,212 2,610 602 26 Commercial and industrial loans 329 293 36 - $ 9,735 $ 9,097 $ 638 $ 49 Number of loans 43 35 8 6 Specific Valuation Total Performing Nonaccrual Allowance December 31, 2017 Construction and land development Commercial $ 459 $ 459 $ - $ - 459 459 - - Commercial real estate Owner occupied 4,188 4,005 183 18 Non-owner occupied 2,153 2,153 - - 6,341 6,158 183 18 Consumer real estate Secured by 1-4 family residential First deeds of trust 3,398 2,709 689 57 Second deeds of trust 590 523 67 4 3,988 3,232 756 61 Commercial and industrial loans 385 344 41 - $ 11,173 $ 10,193 $ 980 $ 79 Number of loans 50 43 7 10 The following provides information about TDRs identified during the indicated periods (dollars in thousands). Nine Months Ended Nine Months Ended September 30, 2018 September 30, 2017 Pre- Post- Pre- Post- Modification Modification Modification Modification Number of Recorded Recorded Number of Recorded Recorded Loans Balance Balance Loans Balance Balance Secured by 1-4 family residential First deed of trust 1 $ 73 $ 73 1 $ 190 $ 190 Second deed of trust - - - 1 68 68 1 $ 73 $ 73 2 $ 258 $ 258 There were no defaults on TDRs that were modified as TDRs during the prior twelve month period. Activity in the allowance for loan losses is as follows for the periods indicated (in thousands): Provision for Beginning (Recovery of) Ending Balance Loan Losses Charge-offs Recoveries Balance Three Months Ended September 30, 2018 Construction and land development Residential $ 36 $ 46 $ - $ - $ 82 Commercial 196 (31 ) - 2 167 232 15 - 2 249 Commercial real estate Owner occupied 719 (52 ) - - 667 Non-owner occupied 567 47 - - 614 Multifamily 72 26 - - 98 Farmland 2 - - - 2 1,360 21 - - 1,381 Consumer real estate Home equity lines 237 92 (64 ) - 265 Secured by 1-4 family residential First deed of trust 476 (80 ) - 2 398 Second deed of trust 56 (8 ) - 6 54 769 4 (64 ) 8 717 Commercial and industrial loans 404 12 - 3 419 Student loans 91 33 (27 ) - 97 Consumer and other 30 13 (1 ) 2 44 Unallocated 322 (98 ) - - 224 $ 3,208 $ - $ (92 ) $ 15 $ 3,131 Provision for Beginning (Recovery of) Ending Balance Loan Losses Charge-offs Recoveries Balance Three Months Ended September 30, 2017 Construction and land development Residential $ 38 $ - $ - $ - $ 38 Commercial 213 (40 ) - 2 175 251 (40 ) - 2 213 Commercial real estate Owner occupied 515 9 - - 524 Non-owner occupied 416 18 - - 434 Multifamily 40 (1 ) - - 39 Farmland 3 - - - 3 974 26 - - 1,000 Consumer real estate Home equity lines 250 (3 ) - - 247 Secured by 1-4 family residential First deed of trust 462 (10 ) - 7 459 Second deed of trust 127 (89 ) - 7 45 839 (102 ) - 14 751 Commercial and industrial loans 302 140 - 3 445 Student loans 99 45 (45 ) - 99 Consumer and other 9 (4 ) - 2 7 Unallocated 793 (65 ) - - 728 $ 3,267 $ - $ (45 ) $ 21 $ 3,243 Provision for Beginning (Recovery of) Ending Balance Loan Losses Charge-offs Recoveries Balance Nine Months Ended September 30, 2018 Construction and land development Residential $ 32 $ 49 $ - $ 1 $ 82 Commercial 165 (3 ) - 5 167 197 46 - 6 249 Commercial real estate Owner occupied 624 43 - - 667 Non-owner occupied 500 (104 ) - 218 614 Multifamily 60 38 - - 98 Farmland 3 (1 ) - - 2 1,187 (24 ) - 218 1,381 Consumer real estate Home equity lines 268 60 (64 ) 1 265 Secured by 1-4 family residential First deed of trust 502 (82 ) (41 ) 19 398 Second deed of trust 47 14 (45 ) 38 54 817 (8 ) (150 ) 58 717 Commercial and industrial loans 556 2 (314 ) 175 419 Student loans 108 76 (87 ) - 97 Consumer and other 27 31 (22 ) 8 44 Unallocated 347 (123 ) - - 224 $ 3,239 $ - $ (573 ) $ 465 $ 3,131 Provision for Beginning (Recovery of) Ending Balance Loan Losses Charge-offs Recoveries Balance Nine Months Ended September 30, 2017 Construction and land development Residential $ 41 $ (4 ) $ - $ 1 $ 38 Commercial 300 (127 ) - 2 175 341 (131 ) - 3 213 Commercial real estate Owner occupied 611 (100 ) - 13 524 Non-owner occupied 406 28 - - 434 Multifamily 56 (17 ) - - 39 Farmland 3 - - - 3 1,076 (89 ) - 13 1,000 Consumer real estate Home equity lines 271 (25 ) - 1 247 Secured by 1-4 family residential First deed of trust 447 90 (107 ) 29 459 Second deed of trust 136 (120 ) - 29 45 854 (55 ) (107 ) 59 751 Commercial and industrial loans 223 209 - 13 445 Student loans 158 56 (115 ) - 99 Consumer and other 8 (5 ) (2 ) 6 7 Unallocated 713 15 - - 728 $ 3,373 $ - $ (224 ) $ 94 $ 3,243 Provision for Beginning (Recovery of) Ending Balance Loan Losses Charge-offs Recoveries Balance Year Ended December 31, 2017 Construction and land development Residential $ 41 $ (10 ) $ - $ 1 $ 32 Commercial 300 (108 ) (31 ) 4 165 341 (118 ) (31 ) 5 197 Commercial real estate Owner occupied 611 - - 13 624 Non-owner occupied 406 94 - - 500 Multifamily 56 4 - - 60 Farmland 3 - - - 3 1,076 98 - 13 1,187 Consumer real estate Home equity lines 271 (5 ) - 2 268 Secured by 1-4 family residential First deed of trust 447 98 (107 ) 64 502 Second deed of trust 136 (123 ) - 34 47 854 (30 ) (107 ) 100 817 Commercial and industrial loans 223 316 - 17 556 Student loans 158 96 (146 ) - 108 Consumer and other 8 4 (2 ) 17 27 Unallocated 713 (366 ) - - 347 $ 3,373 $ - $ (286 ) $ 152 $ 3,239 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. The unallocated component covers uncertainties that could affect management’s estimate of probably losses. We recognize the inherent imprecision in estimates of losses due to various uncertainties and the variability related to the factors used in the calculation of the allowance. The allowance for loan losses included an unallocated portion of approximately $224,000, $347,000, and $728,000 at September 30, 2018, December 31, 2017, and September 30, 2017, respectively. Loans were evaluated for impairment as follows for the periods indicated (in thousands): Recorded Investment in Loans Allowance Loans Ending Ending Balance Individually Collectively Balance Individually Collectively As of September 30, 2018 Construction and land development Residential $ 82 $ - $ 82 $ 14,263 $ - $ 14,263 Commercial 167 - 167 26,818 366 26,452 249 - 249 41,081 366 40,715 Commercial real estate Owner occupied 667 23 644 97,632 5,220 92,412 Non-owner occupied 614 - 614 87,006 2,608 84,398 Multifamily 98 - 98 15,411 - 15,411 Farmland 2 - 2 232 - 232 1,381 23 1,358 200,281 7,828 192,453 Consumer real estate Home equity lines 265 - 265 22,393 688 21,705 Secured by 1-4 family residential First deed of trust 398 21 377 59,564 3,384 56,180 Second deed of trust 54 5 49 9,757 895 8,862 717 26 691 91,714 4,967 86,747 Commercial and industrial loans 419 144 275 40,142 725 39,417 Student loans 97 - 97 40,502 - 40,502 Consumer and other 268 23 245 1,835 24 1,811 $ 3,131 $ 216 $ 2,915 $ 415,555 $ 13,910 $ 401,645 Year Ended December 31, 2017 Construction and land development Residential $ 32 $ - $ 32 $ 5,361 $ - $ 5,361 Commercial 165 - 165 25,456 502 24,954 197 - 197 30,817 502 30,315 Commercial real estate Owner occupied 624 18 606 85,004 5,370 79,634 Non-owner occupied 500 - 500 70,845 2,153 68,692 Multifamily 60 - 60 9,386 - 9,386 Farmland 3 - 3 270 - 270 1,187 18 1,169 165,505 7,523 157,982 Consumer real estate Home equity lines 268 2 266 22,849 712 22,137 Secured by 1-4 family residential First deed of trust 502 98 404 57,919 4,745 53,174 Second deed of trust 47 4 43 7,460 590 6,870 817 104 713 88,228 6,047 82,181 Commercial and industrial loans 556 375 181 36,506 1,220 35,286 Student loans 108 - 108 45,805 - 45,805 Consumer and other 374 18 356 1,848 22 1,826 $ 3,239 $ 515 $ 2,724 $ 368,709 $ 15,314 $ 353,395 |