ALLOWANCE FOR LOAN LOSSES AND CREDIT QUALITY | NOTE 4. ALLOWANCE FOR LOAN LOSSES AND CREDIT QUALITY The following tables present the activity in the allowance for loan losses by portfolio segment for the three-month periods ended June 30, 2016 and 2015: Commercial Real Estate Commercial and Agri-business Consumer and Multifamily and Other 1-4 Family Other (dollars in thousands) Industrial Residential Agricultural Commercial Mortgage Consumer Unallocated Total Three Months Ended June 30, 2016 Beginning balance, April 1 $20,465 $12,752 $2,454 $559 $3,586 $344 $3,124 $43,284 Provision for loan losses 605 (315) 589 (194) (563) 6 (128) 0 Loans charged-off (160) 0 0 0 (92) (45) 0 (297) Recoveries 25 200 4 0 3 28 0 260 Net loans charged-off (135) 200 4 0 (89) (17) 0 (37) Ending balance $20,935 $12,637 $3,047 $365 $2,934 $333 $2,996 $43,247 Commercial Real Estate Commercial and Agri-business Consumer and Multifamily and Other 1-4 Family Other (dollars in thousands) Industrial Residential Agricultural Commercial Mortgage Consumer Unallocated Total Three Months Ended June 30, 2015 Beginning balance, April 1 $23,024 $13,804 $1,627 $398 $3,313 $430 $3,081 $45,677 Provision for loan losses (228) (283) 248 (40) 160 (16) 159 0 Loans charged-off (507) (429) 0 0 (6) (53) 0 (995) Recoveries 71 20 6 0 6 31 0 134 Net loans charged-off (436) (409) 6 0 0 (22) 0 (861) Ending balance $22,360 $13,112 $1,881 $358 $3,473 $392 $3,240 $44,816 The following tables present the activity in the allowance for loan losses by portfolio segment for the six-month periods ended June 30, 2016 and 2015: Commercial Real Estate Commercial and Agri-business Consumer and Multifamily and Other 1-4 Family Other (dollars in thousands) Industrial Residential Agricultural Commercial Mortgage Consumer Unallocated Total Six Months Ended June 30, 2016 Beginning balance, January 1 $21,564 $12,473 $2,445 $574 $3,395 $319 $2,840 $43,610 Provision for loan losses (342) 121 593 (209) (367) 48 156 0 Loans charged-off (374) (168) 0 0 (130) (90) 0 (762) 87 211 9 0 36 56 0 399 Net loans charged-off (287) 43 9 0 (94) (34) 0 (363) Ending balance $20,935 $12,637 $3,047 $365 $2,934 $333 $2,996 $43,247 Commercial Real Estate Commercial and Agri-business Consumer and Multifamily and Other 1-4 Family Other (dollars in thousands) Industrial Residential Agricultural Commercial Mortgage Consumer Unallocated Total Six Months Ended June 30, 2015 Beginning balance, January 1 $22,785 $14,153 $1,790 $276 $3,459 $483 $3,316 $46,262 Provision for loan losses 328 (621) 81 204 135 (51) (76) 0 Loans charged-off (876) (459) 0 (122) (140) (106) 0 (1,703) Recoveries 123 39 10 0 19 66 0 257 Net loans charged-off (753) (420) 10 (122) (121) (40) 0 (1,446) Ending balance $22,360 $13,112 $1,881 $358 $3,473 $392 $3,240 $44,816 The following tables present 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, 2016 and December 31, 2015: Commercial Real Estate Commercial and Agri-business Consumer and Multifamily and Other 1-4 Family Other (dollars in thousands) Industrial Residential Agricultural Commercial Mortgage Consumer Unallocated Total June 30, 2016 Allowance for loan losses: Ending allowance balance attributable to loans: Individually evaluated for impairment $2,704 $313 $0 $4 $369 $49 $0 $3,439 Collectively evaluated for impairment 18,231 12,324 3,047 361 2,565 284 2,996 39,808 Total ending allowance balance $20,935 $12,637 $3,047 $365 $2,934 $333 $2,996 $43,247 Loans: Loans individually evaluated for impairment $6,051 $9,197 $2,498 $12 $1,451 $57 $0 $19,266 Loans collectively evaluated for impairment 1,220,667 1,178,337 306,333 82,770 338,293 52,331 0 3,178,731 Total ending loans balance $1,226,718 $1,187,534 $308,831 $82,782 $339,744 $52,388 $0 $3,197,997 Commercial Real Estate Commercial and Agri-business Consumer and Multi-family and Other 1-4 Family Other (dollars in thousands) Industrial Residential Agricultural Commercial Mortgage Consumer Unallocated Total December 31, 2015 Allowance for loan losses: Ending allowance balance attributable to loans: Individually evaluated for impairment $2,781 $465 $0 $5 $358 $50 $0 $3,659 Collectively evaluated for impairment 18,783 12,008 2,445 569 3,037 269 2,840 39,951 Total ending allowance balance $21,564 $12,473 $2,445 $574 $3,395 $319 $2,840 $43,610 Loans: Loans individually evaluated for impairment $8,286 $9,823 $471 $12 $1,927 $60 $0 $20,579 Loans collectively evaluated for impairment 1,171,407 1,119,150 305,707 85,059 330,072 48,955 0 3,060,350 Total ending loans balance $1,179,693 $1,128,973 $306,178 $85,071 $331,999 $49,015 $0 $3,080,929 The following table presents loans individually evaluated for impairment by class of loans as of June 30, 2016: Unpaid Allowance for Principal Recorded Loan Losses (dollars in thousands) Balance Investment Allocated With no related allowance recorded: Commercial and industrial loans: Working capital lines of credit loans $541 $387 $0 Non-working capital loans 2,307 540 0 Commercial real estate and multi-family residential loans: Owner occupied loans 2,696 2,515 0 Nonowner occupied loans 4,869 4,871 0 Agri-business and agricultural loans: Loans secured by farmland 969 471 0 Loans for ag production 2,027 2,027 0 Consumer 1-4 family loans: Closed end first mortgage loans 214 108 0 With an allowance recorded: Commercial and industrial loans: Working capital lines of credit loans 825 825 441 Non-working capital loans 4,701 4,299 2,263 Commercial real estate and multi-family residential loans: Construction and land development loans 256 256 14 Owner occupied loans 1,173 1,172 169 Multifamily loans 383 383 130 Agri-business and agricultural loans: Other commercial loans 12 12 4 Consumer 1-4 family mortgage loans: Closed end first mortgage loans 1,409 1,343 369 Other consumer loans 58 57 49 Total $22,440 $19,266 $3,439 The following table presents loans individually evaluated for impairment by class of loans as of December 31, 2015: Unpaid Allowance for Principal Recorded Loan Losses (dollars in thousands) Balance Investment Allocated With no related allowance recorded: Commercial and industrial loans: Working capital lines of credit loans $20 $20 $0 Non-working capital loans 2,390 623 0 Commercial real estate and multi-family residential loans: Owner occupied loans 3,762 3,223 0 Nonowner occupied loans 4,894 4,898 0 Agri-business and agricultural loans: Loans secured by farmland 969 471 0 Consumer 1-4 family loans: Closed end first mortgage loans 45 45 0 With an allowance recorded: Commercial and industrial loans: Working capital lines of credit loans 1,318 1,318 535 Non-working capital loans 8,617 6,325 2,246 Commercial real estate and multi-family residential loans: Construction and land development loans 364 364 71 Owner occupied loans 949 949 232 Multifamily loans 389 389 162 Other commercial loans 12 12 5 Consumer 1-4 family mortgage loans: Closed end first mortgage loans 1,695 1,629 331 Open end and junior lien loans 253 253 27 Other consumer loans 60 60 50 Total $25,737 $20,579 $3,659 The following table presents loans individually evaluated for impairment by class of loans as of and for the three-month period ended June 30, 2016: Cash Basis Average Interest Interest Recorded Income Income (dollars in thousands) Investment Recognized Recognized With no related allowance recorded: Commercial and industrial loans: Working capital lines of credit loans $493 $0 $0 Non-working capital loans 557 0 0 Commercial real estate and multi-family residential loans: Owner occupied loans 2,536 0 0 Nonowner occupied loans 4,783 88 89 Agri-business and agricultural loans: Loans secured by farmland 471 0 0 Loans for ag production 2,032 5 4 Consumer 1-4 family loans: Closed end first mortgage loans 149 0 0 With an allowance recorded: Commercial and industrial loans: Working capital lines of credit loans 841 5 5 Non-working capital loans 4,077 33 34 Commercial real estate and multi-family residential loans: Construction and land development loans 297 4 2 Owner occupied loans 975 0 0 Multifamily loans 383 5 5 Agri-business and agricultural loans: Other commercial loans 12 2 0 Consumer 1-4 family mortgage loans: Closed end first mortgage loans 1,363 10 14 Open end and junior lien loans 165 0 0 Other consumer loans 58 1 1 Total $19,192 $153 $154 The following table presents loans individually evaluated for impairment by class of loans as of and for the three-month period ended June 30, 2015: Cash Basis Average Interest Interest Recorded Income Income (dollars in thousands) Investment Recognized Recognized With no related allowance recorded: Commercial and industrial loans: Working capital lines of credit loans $21 $0 $0 Non-working capital loans 767 0 0 Commercial real estate and multi-family residential loans: Owner occupied loans 2,865 0 0 Nonowner occupied loans 5,590 26 27 Agri-business and agricultural loans: Loans secured by farmland 479 0 0 Consumer 1-4 family loans: Closed end first mortgage loans 329 0 0 Open end and junior lien loans 245 0 0 Other consumer loans 4 0 0 With an allowance recorded: Commercial and industrial loans: Working capital lines of credit loans 994 7 7 Non-working capital loans 9,670 112 124 Commercial real estate and multi-family residential loans: Construction and land development loans 373 4 5 Owner occupied loans 2,753 0 0 Consumer 1-4 family mortgage loans: Closed end first mortgage loans 2,687 16 16 Open end and junior lien loans 34 0 0 Other consumer loans 111 1 1 Total $26,922 $166 $180 The following table presents loans individually evaluated for impairment by class of loans as of and for the six-month period ended June 30, 2016: Cash Basis Average Interest Interest Recorded Income Income (dollars in thousands) Investment Recognized Recognized With no related allowance recorded: Commercial and industrial loans: Working capital lines of credit loans $256 $0 $0 Non-working capital loans 615 0 0 Commercial real estate and multi-family residential loans: Owner occupied loans 2,630 0 0 Nonowner occupied loans 4,796 117 112 Agri-business and agricultural loans: Loans secured by farmland 471 0 0 Loans for ag production 1,016 5 4 Consumer 1-4 family loans: Closed end first mortgage loans 98 0 0 With an allowance recorded: Commercial and industrial loans: Working capital lines of credit loans 1,097 10 10 Non-working capital loans 4,356 67 68 Commercial real estate and multi-family residential loans: Construction and land development loans 318 7 5 Owner occupied loans 959 0 0 Nonowner occupied loans 38 0 0 Multifamily loans 384 10 10 Agri-business and agricultural loans: Other commercial loans 12 2 0 Consumer 1-4 family mortgage loans: Closed end first mortgage loans 1,495 25 25 Open end and junior lien loans 208 0 0 Other consumer loans 58 2 2 Total $18,807 $245 $236 The following table presents loans individually evaluated for impairment by class of loans as of and for the six-month period ended June 30, 2015: Cash Basis Average Interest Interest Recorded Income Income (dollars in thousands) Investment Recognized Recognized With no related allowance recorded: Commercial and industrial loans: Working capital lines of credit loans $21 $0 $0 Non-working capital loans 565 1 1 Commercial real estate and multi-family residential loans: Construction and land development loans 263 0 0 Owner occupied loans 1,704 0 0 Nonowner occupied loans 4,053 54 56 Agri-business and agricultural loans: Loans secured by farmland 381 0 0 Consumer 1-4 family loans: Closed end first mortgage loans 244 0 0 Open end and junior lien loans 292 0 0 Residential construction loans 21 0 0 Other consumer loans 2 0 0 With an allowance recorded: Commercial and industrial loans: Working capital lines of credit loans 1,003 16 14 Non-working capital loans 11,118 234 247 Commercial real estate and multi-family residential loans: Construction and land development loans 411 8 9 Owner occupied loans 4,201 21 22 Nonowner occupied loans 1,635 0 0 Agri-business and agricultural loans: Loans secured by farmland 100 0 0 Other commercial loans 5 0 0 Consumer 1-4 family mortgage loans: Closed end first mortgage loans 2,850 33 30 Open end and junior lien loans 34 0 0 Other consumer loans 116 2 2 Total $29,019 $369 $381 The following table presents the aging of the recorded investment in past due loans as of June 30, 2016 by class of loans: 30-89 Greater than Loans Not Days 90 Days Total (dollars in thousands) Past Due Past Due Past Due Nonaccrual Past Due Total Commercial and industrial loans: Working capital lines of credit loans $596,931 $501 $0 $401 $902 $597,833 Non-working capital loans 626,533 59 0 2,293 2,352 628,885 Commercial real estate and multi-family residential loans: Construction and land development loans 220,519 0 0 0 0 220,519 Owner occupied loans 453,445 82 0 3,598 3,680 457,125 Nonowner occupied loans 395,059 0 0 290 290 395,349 Multifamily loans 114,541 0 0 0 0 114,541 Agri-business and agricultural loans: Loans secured by farmland 146,058 0 0 471 471 146,529 Loans for agricultural production 160,275 0 0 2,027 2,027 162,302 Other commercial loans 82,782 0 0 0 0 82,782 Consumer 1-4 family mortgage loans: Closed end first mortgage loans 163,119 898 0 246 1,144 164,263 Open end and junior lien loans 165,815 117 0 0 117 165,932 Residential construction loans 9,549 0 0 0 0 9,549 Other consumer loans 52,246 142 0 0 142 52,388 Total $3,186,872 $1,799 $0 $9,326 $11,125 $3,197,997 The following table presents the aging of the recorded investment in past due loans as of December 31, 2015 by class of loans: 30-89 Greater than Loans Not Days 90 Days Total (dollars in thousands) Past Due Past Due Past Due Nonaccrual Past Due Total Commercial and industrial loans: Working capital lines of credit loans $579,081 $350 $0 $913 $1,263 $580,344 Non-working capital loans 595,154 0 0 4,195 4,195 599,349 Commercial real estate and multi-family residential loans: Construction and land development loans 230,336 0 0 0 0 230,336 Owner occupied loans 407,229 310 0 4,172 4,482 411,711 Nonowner occupied loans 404,146 423 0 3,000 3,423 407,569 Multi-family loans 79,357 0 0 0 0 79,357 Agri-business and agricultural loans: Loans secured by farmland 163,911 0 0 471 471 164,382 Loans for agricultural production 141,706 90 0 0 90 141,796 Other commercial loans 85,071 0 0 0 0 85,071 Consumer 1-4 family mortgage loans: Closed end first mortgage loans 156,525 1,187 0 49 1,236 157,761 Open end and junior lien loans 164,582 83 0 253 336 164,918 Residential construction loans 9,320 0 0 0 0 9,320 Other consumer loans 48,687 328 0 0 328 49,015 Total $3,065,105 $2,771 $0 $13,053 $15,824 $3,080,929 Troubled Debt Restructurings: Troubled debt restructured loans are included in the totals for impaired loans. The Company has allocated $2.4 million and $2.3 million of specific reserves to customers whose loan terms have been modified in troubled debt restructurings as of June 30, 2016 and December 31, 2015. The Company is not committed to lend additional funds to debtors whose loans have been modified in a troubled debt restructuring. June 30 December 31 (dollars in thousands) 2016 2015 Accruing troubled debt restructured loans $8,647 $6,260 Nonaccrual troubled debt restructured loans 6,040 10,914 Total troubled debt restructured loans $14,687 $17,174 During the three-months ended June 30, 2016, certain loans were modified as troubled debt restructurings. The modified terms of these loans include one or a combination of the following: inadequate compensation for the terms of the restructure or renewal; a modification of the repayment terms which delays principal repayment for some period; or renewal terms offered to borrowers in financial distress where no additional credit enhancements were obtained at the time of renewal. During the three months ended June 30, 2016, there were renewal terms, which are considered additional concessions, offered to three borrowers under financial duress with previously identified troubled debt restructured loans which did not require additional compensation or consideration, and the terms offered would not have been readily available in the marketplace for loans bearing a similar risk profile. In these instances, it was determined that a concession had been granted. The loan to one of the borrowers was for a commercial real estate building where the collateral value and cash flows from the company occupying the building does not support the loan with a recorded investment of $374,000. The loans to the other two borrowers are for commercial and industrial non-working capital loans with recorded investments of $574,000. These concessions are not included in the table below. Additional concessions were granted to borrowers with previously identified troubled debt restructured loans during the three-months ended March 31, 2016. The loans to two of the borrowers are for commercial real estate buildings where the collateral value and cash flows from the companies occupying the buildings do not support the loans with recorded investments of $542,000. The other loans were to a borrower engaged in land development, where the aggregate recorded investment totaled $484,000. These concessions are not included in table below. The following table presents loans by class modified as new troubled debt restructurings that occurred during the three months ended June 30, 2016: Modified Repayment Terms Pre-Modification Post-Modification Extension Outstanding Outstanding Period or Number of Recorded Recorded Number of Range (dollars in thousands) Loans Investment Investment Loans (in months) Troubled Debt Restructurings Commercial and industrial loans: Non-working capital loans 3 $775 $775 3 9-15 Commercial real estate and multi- family residential loans: Owner occupied loans 1 305 305 1 13 Total 4 $1,080 $1,080 4 9-15 The following table presents loans by class modified as new troubled debt restructurings that occurred during the six months ended June 30, 2016: Modified Repayment Terms Pre-Modification Post-Modification Extension Outstanding Outstanding Period or Number of Recorded Recorded Number of Range (dollars in thousands) Loans Investment Investment Loans (in months) Troubled Debt Restructurings Commercial and industrial loans: Non-working capital loans 3 $775 $775 3 9-15 Commercial real estate and multi- family residential loans: Owner occupied loans 2 640 640 2 13-15 Total 5 $1,415 $1,415 5 9-15 For the three months ended June 30, 2016, the commercial and industrial troubled debt restructurings described above increased the allowance for loan losses by $182,000 and the commercial real estate and multi-family residential loan troubled debt restructuring described above decreased the allowance for loan losses by $145,000. For the six months ended June 30, 2016, the commercial and industrial troubled debt restructurings described above increased the allowance for loan losses by $684,000 and the commercial real estate and multi-family residential loan troubled debt restructuring described above increased the allowance for loan losses by $15,000. No charge-offs resulted from any troubled debt restructurings described above during the three or six month periods ended June 30, 2016. During the quarter ended June 30, 2015, certain loans were modified as troubled debt restructurings. The modified terms of these loans include one or a combination of the following: inadequate compensation for the terms of the restructure or renewal; a modification of the repayment terms which delays principal repayment for some period; or renewal terms offered to borrowers in financial distress where no additional credit enhancements were obtained at the time of renewal. There were renewal terms offered to two borrowers under financial duress which did not require additional compensation or consideration, and the terms offered would not have been readily available in the marketplace for loans bearing similar risk profiles. In these instances, it was determined that a concession had been granted. It is difficult to quantify the concessions granted due to an absence of readily available market terms to be used for comparison. These loans were both commercial and industrial working capital loans with recorded investments of $379,000 and $185,000, respectively. During the quarter ended March 31, 2015 one loan was modified as a troubled debt restructuring. There were renewal terms offered to the one borrower under financial duress which did not require additional compensation or consideration, and the terms offered would not have been readily available in the marketplace for loans bearing similar risk profiles. In this instance, it was determined that a concession had been granted. It is difficult to quantify the concession granted due to an absence of readily available market terms to be used for comparison. The loan to the borrower is for a commercial real estate building where the collateral value and cash flows from the company occupying the building did not support the loan with a recorded investment of $788,000. The following table presents loans by class modified as new troubled debt restructurings that occurred during the three months ended June 30, 2015: Modified Repayment Terms Pre-Modification Post-Modification Extension Outstanding Outstanding Period or Number of Recorded Recorded Number of Range (dollars in thousands) Loans Investment Investment Loans (in months) Troubled Debt Restructurings Commercial and industrial loans: Working capital lines of credit loans 2 $564 $564 Non-working capital loans 1 783 783 1 12 Commercial real estate and multi- family residential loans: Owner occupied loans 1 67 67 1 6 Total 4 $1,414 $1,414 2 6-12 The following table presents loans by class modified as new troubled debt restructurings that occurred during the six months ended June 30, 2015: Modified Repayment Terms Pre-Modification Post-Modification Extension Outstanding Outstanding Period or Number of Recorded Recorded Number of Range (dollars in thousands) Loans Investment Investment Loans (in months) Troubled Debt Restructurings Commercial and industrial loans: Working capital lines of credit loans 2 $564 $564 Non-working capital loans 1 783 783 1 12 Commercial real estate and multi- family residential loans: Owner occupied loans 2 855 855 1 6 Total 5 $2,202 $2,202 2 6-12 For the three months ended June 30, 2015, the commercial and industrial troubled debt restructurings described above increased the allowance for loan losses by $49,000 and the commercial real estate and multi-family residential loan troubled debt restructuring described above decreased the allowance for loan losses by $28,000. For the six months ended June 30, 2015, the commercial and industrial troubled debt restructurings described above increased the allowance for loan losses by $170,000 and the commercial real estate and multi-family residential loan troubled debt restructuring described above decreased the allowance for loan losses by $22,000. No charge-offs resulted from the troubled debt restructuring described above during the three or six month periods ended June 30, 2015. There were no troubled debt restructurings that had payment defaults within the twelve months following modification during the three or six month periods ended June 30, 2016 and 2015. 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. The Company analyzes commercial loans individually by classifying the loans as to credit risk. This analysis is performed on a quarterly basis for Special Mention, Substandard and Doubtful grade loans and annually on Pass grade loans over $150,000. The Company uses the following definitions for risk ratings: Special Mention. Substandard. Doubtful. Loans not meeting the criteria above that are analyzed individually as part of the above-described process are considered to be Pass rated loans with the exception of consumer troubled debt restructurings which are evaluated and listed with Substandard commercial grade loans and consumer nonaccrual loans which are evaluated individually and listed with Not Rated loans. Loans listed as Not Rated are consumer loans or commercial loans with consumer characteristics included in groups of homogenous loans which are analyzed for credit quality indicators utilizing delinquency status. As of June 30, 2016, and based on the most recent analysis performed, the risk category of loans by class of loans is as follows: Special Not (dollars in thousands) Pass Mention Substandard Doubtful Rated Total Commercial and industrial loans: Working capital lines of credit loans $544,235 $38,870 $14,728 $0 $0 $597,833 Non-working capital loans 577,365 32,720 15,204 0 3,596 628,885 Commercial real estate and multi- family residential loans: Construction and land development loans 219,111 1,125 283 0 0 220,519 Owner occupied loans 416,103 27,431 13,591 0 0 457,125 Nonowner occupied loans 389,413 3,634 2,302 0 0 395,349 Multifamily loans 114,158 0 383 0 0 114,541 Agri-business and agricultural loans: Loans secured by farmland 144,556 1,502 471 0 0 146,529 Loans for agricultural production 159,512 763 2,027 0 0 162,302 Other commercial loans 82,765 0 12 0 5 82,782 Consumer 1-4 family mortgage loans: Closed end first mortgage loans 46,167 126 1,946 0 116,024 164,263 Open end and junior lien loans 7,736 0 0 0 158,196 165,932 Residential construction loans 0 0 0 0 9,549 9,549 Other consumer loans 10,084 0 57 0 42,247 52,388 Total $2,711,205 $106,171 $51,004 $0 $329,617 $3,197,997 As of December 31, 2015, and based on the most recent analysis performed, the risk category of loans by class of loans is as follows: Special Not (dollars in thousands) Pass Mention Substandard Doubtful Rated Total Commercial and industrial loans: Working capital lines of credit loans $538,899 $32,601 $8,844 $0 $0 $580,344 Non-working capital loans 549,771 35,910 10,566 0 3,102 599,349 Commercial real estate and multi- family residential loans: Construction and land development loans 227,996 2,340 0 0 0 230,336 Owner occupied loans 378,847 23,522 9,342 0 0 411,711 Nonowner occupied loans 394,387 10,953 2,229 0 0 407,569 Multi-family loans 78,968 0 389 0 0 79,357 Agri-business and agricultural loans: Loans secured by farmland 163,911 0 471 0 0 164,382 Loans for agricultural production 141,796 0 0 0 0 141,796 Other commercial loans 85,056 0 12 0 3 85,071 Consumer 1-4 family mortgage loans: Closed end first mortgage loans 43,231 126 1,769 0 112,635 157,761 Open end and junior lien loans 8,373 0 1,616 0 154,929 164,918 Residential construction loans 0 0 0 0 9,320 9,320 Other consumer loans 13,940 0 60 0 35,015 49,015 Total $2,625,175 $105,452 $35,298 $0 $315,004 $3,080,929 |