Loans (Tables)
 12 Months Ended
Dec. 31, 2016
Receivables [Abstract]  
Composition of loan portfolio (excluding mortgage loans held for sale) [Table Text Block]
Loans classified by type as of December 31, 2016 and 2015 are as follows (in thousands):
 
 
 
2016
 
2015
 
Construction and land development
 
 
 
 
 
 
 
Residential
 
$
6,770
 
$
5,202
 
Commercial
 
 
27,092
 
 
25,948
 
 
 
 
33,862
 
 
31,150
 
Commercial real estate
 
 
 
 
 
 
 
Owner occupied
 
 
66,021
 
 
69,256
 
Non-owner occupied
 
 
57,944
 
 
38,037
 
Multifamily
 
 
8,824
 
 
8,537
 
Farmland
 
 
310
 
 
388
 
 
 
 
133,099
 
 
116,218
 
Consumer real estate
 
 
 
 
 
 
 
Home equity lines
 
 
20,691
 
 
20,333
 
Secured by 1-4 family residential,
 
 
 
 
 
 
 
First deed of trust
 
 
54,791
 
 
56,776
 
Second deed of trust
 
 
5,768
 
 
6,485
 
 
 
 
81,250
 
 
83,594
 
Commercial and industrial loans (except those secured by real estate)
 
 
39,390
 
 
20,086
 
Guaranteed student loans
 
 
47,398
 
 
53,989
 
Consumer and other
 
 
2,101
 
 
1,734
 
 
 
 
 
 
 
 
 
Total loans
 
 
337,100
 
 
306,771
 
Deferred loan cost, net
 
 
660
 
 
670
 
Less: allowance for loan losses
 
 
(3,373)
 
 
(3,562)
 
 
 
 
 
 
 
 
 
 
 
$
334,387
 
$
303,879
 
Summary Of Loans Directly Or Indirectly With Executive Officers Or Directors [Table Text Block]
The following is a summary of loans directly or indirectly with executive officers or directors of the Company for the years ended December 31, 2016 and 2015 (in thousands):
 
 
 
2016
 
2015
 
 
 
 
 
 
 
Beginning balance
 
$
8,073
 
$
8,258
 
Additions
 
 
2,703
 
 
5,504
 
Reductions
 
 
(3,065)
 
 
(5,689)
 
 
 
 
 
 
 
 
 
Ending balance
 
$
7,711
 
$
8,073
 
Schedule of Financing Receivables, Non Accrual Status [Table Text Block]
Year-end nonaccrual loans segregated by type as of December 31, 2016 and 2015 were as follows (in thousands):
 
 
 
2016
 
2015
 
Construction and land development
 
 
 
 
 
 
 
Commercial
 
$
102
 
$
52
 
 
 
 
102
 
 
52
 
Commercial real estate
 
 
 
 
 
 
 
Owner occupied
 
 
225
 
 
1,078
 
 
 
 
225
 
 
1,078
 
Consumer real estate
 
 
 
 
 
 
 
Home equity lines
 
 
163
 
 
154
 
Secured by 1-4 family residential,
 
 
 
 
 
 
 
First deed of trust
 
 
1,404
 
 
1,498
 
Second deed of trust
 
 
72
 
 
421
 
 
 
 
1,639
 
 
2,073
 
Commercial and industrial loans (except those secured by real estate)
 
 
430
 
 
508
 
Consumer and other
 
 
6
 
 
7
 
 
 
 
 
 
 
 
 
Total loans
 
$
2,402
 
$
3,718
 
Information on Risk Rating of Loans [Table Text Block]
The following tables provide information on the risk rating of loans at the dates indicated (in thousands):
 
 
 
Risk Rated
 
Risk Rated
 
Risk Rated
 
Risk Rated
 
Total
 
 
 
1-4
 
5
 
6
 
7
 
Loans
 
December 31, 2016
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Construction and land development
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Residential
 
$
6,770
 
$
-
 
$
-
 
$
-
 
$
6,770
 
Commercial
 
 
25,342
 
 
1,648
 
 
102
 
 
-
 
 
27,092
 
 
 
 
32,112
 
 
1,648
 
 
102
 
 
-
 
 
33,862
 
Commercial real estate
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Owner occupied
 
 
58,788
 
 
3,565
 
 
3,668
 
 
-
 
 
66,021
 
Non-owner occupied
 
 
57,944
 
 
-
 
 
-
 
 
-
 
 
57,944
 
Multifamily
 
 
8,634
 
 
190
 
 
-
 
 
-
 
 
8,824
 
Farmland
 
 
310
 
 
-
 
 
-
 
 
-
 
 
310
 
 
 
 
125,676
 
 
3,755
 
 
3,668
 
 
-
 
 
133,099
 
Consumer real estate
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Home equity lines
 
 
19,501
 
 
487
 
 
703
 
 
-
 
 
20,691
 
Secured by 1-4 family residential
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
First deed of trust
 
 
49,648
 
 
2,847
 
 
2,296
 
 
-
 
 
54,791
 
Second deed of trust
 
 
5,399
 
 
125
 
 
244
 
 
-
 
 
5,768
 
 
 
 
74,548
 
 
3,459
 
 
3,243
 
 
-
 
 
81,250
 
Commercial and industrial loans (except those secured by real estate)
 
 
39,390
 
 
 
 
 
 
 
 
-
 
 
39,390
 
Guaranteed student loans
 
 
46,009
 
 
739
 
 
650
 
 
-
 
 
47,398
 
Consumer and other
 
 
2,043
 
 
52
 
 
6
 
 
-
 
 
2,101
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Total loans
 
$
319,778
 
$
9,653
 
$
7,669
 
$
-
 
$
337,100
 
 
 
 
Risk Rated
 
Risk Rated
 
Risk Rated
 
Risk Rated
 
Total
 
 
 
1-4
 
5
 
6
 
7
 
Loans
 
December 31, 2015
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Construction and land development
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Residential
 
$
5,202
 
$
-
 
$
-
 
$
-
 
$
5,202
 
Commercial
 
 
24,053
 
 
572
 
 
1,323
 
 
 
 
 
25,948
 
 
 
 
29,255
 
 
572
 
 
1,323
 
 
-
 
 
31,150
 
Commercial real estate
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Owner occupied
 
 
64,261
 
 
2,850
 
 
2,145
 
 
-
 
 
69,256
 
Non-owner occupied
 
 
35,887
 
 
2,055
 
 
95
 
 
-
 
 
38,037
 
Multifamily
 
 
8,337
 
 
200
 
 
-
 
 
-
 
 
8,537
 
Farmland
 
 
388
 
 
-
 
 
-
 
 
-
 
 
388
 
 
 
 
108,873
 
 
5,105
 
 
2,240
 
 
-
 
 
116,218
 
Consumer real estate
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Home equity lines
 
 
18,539
 
 
435
 
 
1,359
 
 
-
 
 
20,333
 
Secured by 1-4 family residential
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
First deed of trust
 
 
51,200
 
 
2,710
 
 
2,866
 
 
-
 
 
56,776
 
Second deed of trust
 
 
5,751
 
 
128
 
 
606
 
 
-
 
 
6,485
 
 
 
 
75,490
 
 
3,273
 
 
4,831
 
 
-
 
 
83,594
 
Commercial and industrial loans (except those secured by real estate)
 
 
18,873
 
 
373
 
 
840
 
 
 
 
 
20,086
 
Guaranteed student loans
 
 
53,989
 
 
-
 
 
-
 
 
-
 
 
53,989
 
Consumer and other
 
 
1,649
 
 
62
 
 
23
 
 
-
 
 
1,734
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Total loans
 
$
288,129
 
$
9,385
 
$
9,257
 
$
-
 
$
306,771
 
Aging of Recorded Investment in Past Due Loans And Leases [Table Text Block]
The following tables present the aging of the recorded investment in past due loans 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
 
December 31, 2016
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Construction and land development
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Residential
 
$
-
 
$
-
 
$
-
 
$
-
 
$
6,770
 
$
6,770
 
$
-
 
Commercial
 
 
-
 
 
-
 
 
-
 
 
-
 
 
27,092
 
 
27,092
 
 
-
 
 
 
 
-
 
 
-
 
 
-
 
 
-
 
 
33,862
 
 
33,862
 
 
-
 
Commercial real estate
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Owner occupied
 
 
-
 
 
-
 
 
-
 
 
-
 
 
66,021
 
 
66,021
 
 
-
 
Non-owner occupied
 
 
-
 
 
-
 
 
-
 
 
-
 
 
57,944
 
 
57,944
 
 
-
 
Multifamily
 
 
190
 
 
-
 
 
-
 
 
190
 
 
8,634
 
 
8,824
 
 
-
 
Farmland
 
 
-
 
 
-
 
 
-
 
 
-
 
 
310
 
 
310
 
 
-
 
 
 
 
190
 
 
-
 
 
-
 
 
190
 
 
132,909
 
 
133,099
 
 
-
 
Consumer real estate
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Home equity lines
 
 
-
 
 
-
 
 
-
 
 
-
 
 
20,691
 
 
20,691
 
 
-
 
Secured by 1-4 family residential
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
First deed of trust
 
 
414
 
 
63
 
 
-
 
 
477
 
 
54,314
 
 
54,791
 
 
-
 
Second deed of trust
 
 
128
 
 
-
 
 
-
 
 
128
 
 
5,640
 
 
5,768
 
 
-
 
 
 
 
542
 
 
63
 
 
-
 
 
605
 
 
80,645
 
 
81,250
 
 
-
 
Commercial and industrial loans (except those secured by real estate)
 
 
15
 
 
62
 
 
-
 
 
77
 
 
39,313
 
 
39,390
 
 
-
 
Guaranteed student loans
 
 
2,743
 
 
1,923
 
 
8,174
 
 
12,840
 
 
34,558
 
 
47,398
 
 
8,174
 
Consumer and other
 
 
11
 
 
-
 
 
-
 
 
11
 
 
2,090
 
 
2,101
 
 
-
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Total loans
 
$
3,501
 
$
2,048
 
$
8,174
 
$
13,723
 
$
323,377
 
$
337,100
 
$
8,174
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
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, 2015
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Construction and land development
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Residential
 
$
-
 
$
-
 
$
-
 
$
-
 
$
5,202
 
$
5,202
 
$
-
 
Commercial
 
 
-
 
 
-
 
 
-
 
 
-
 
 
25,948
 
 
25,948
 
 
-
 
 
 
 
-
 
 
-
 
 
-
 
 
-
 
 
31,150
 
 
31,150
 
 
-
 
Commercial real estate
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Owner occupied
 
 
327
 
 
-
 
 
-
 
 
327
 
 
68,929
 
 
69,256
 
 
-
 
Non-owner occupied
 
 
-
 
 
110
 
 
-
 
 
110
 
 
37,927
 
 
38,037
 
 
-
 
Multifamily
 
 
-
 
 
-
 
 
-
 
 
-
 
 
8,537
 
 
8,537
 
 
-
 
Farmland
 
 
-
 
 
-
 
 
-
 
 
-
 
 
388
 
 
388
 
 
-
 
 
 
 
327
 
 
110
 
 
-
 
 
437
 
 
115,781
 
 
116,218
 
 
-
 
Consumer real estate
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Home equity lines
 
 
-
 
 
-
 
 
-
 
 
-
 
 
20,333
 
 
20,333
 
 
-
 
Secured by 1-4 family residential
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
First deed of trust
 
 
163
 
 
292
 
 
-
 
 
455
 
 
56,321
 
 
56,776
 
 
-
 
Second deed of trust
 
 
94
 
 
-
 
 
-
 
 
94
 
 
6,391
 
 
6,485
 
 
-
 
 
 
 
257
 
 
292
 
 
-
 
 
549
 
 
83,045
 
 
83,594
 
 
-
 
Commercial and industrial loans (except those secured by real estate)
 
 
-
 
 
-
 
 
-
 
 
-
 
 
20,086
 
 
20,086
 
 
-
 
Guaranteed student loans
 
 
7,816
 
 
1,252
 
 
8,590
 
 
17,658
 
 
36,331
 
 
53,989
 
 
8,590
 
Consumer and other
 
 
10
 
 
-
 
 
-
 
 
10
 
 
1,724
 
 
1,734
 
 
-
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Total loans
 
$
8,410
 
$
1,654
 
$
8,590
 
$
18,654
 
$
288,117
 
$
306,771
 
$
8,590
 
Summary of impaired loans [Table Text Block]
Impaired loans are set forth in the following table as of the dates indicated (in thousands):
 
 
 
December 31, 2016
 
 
 
 
 
Unpaid
 
 
 
 
 
Recorded
 
Principal
 
Related
 
 
 
Investment
 
Balance
 
Allowance
 
With no related allowance recorded
 
 
 
 
 
 
 
 
 
 
Construction and land development
 
 
 
 
 
 
 
 
 
 
Commercial
 
$
102
 
$
169
 
$
-
 
Commercial real estate
 
 
 
 
 
 
 
 
 
 
Owner occupied
 
 
1,487
 
 
1,487
 
 
 
 
Non-owner occupied
 
 
2,236
 
 
2,236
 
 
-
 
 
 
 
3,723
 
 
3,723
 
 
-
 
Consumer real estate
 
 
 
 
 
 
 
 
 
 
Home equity lines
 
 
703
 
 
703
 
 
-
 
Secured by 1-4 family residential
 
 
 
 
 
 
 
 
 
 
First deed of trust
 
 
3,514
 
 
3,518
 
 
-
 
Second deed of trust
 
 
619
 
 
865
 
 
-
 
 
 
 
4,836
 
 
5,086
 
 
-
 
Commercial and industrial loans (except those secured by real estate)
 
 
538
 
 
768
 
 
-
 
 
 
 
9,199
 
 
9,746
 
 
-
 
 
 
 
 
 
 
 
 
 
 
 
With an allowance recorded
 
 
 
 
 
 
 
 
 
 
Construction and land development
 
 
 
 
 
 
 
 
 
 
Commercial
 
 
479
 
 
479
 
 
9
 
Commercial real estate
 
 
 
 
 
 
 
 
 
 
Owner occupied
 
 
4,117
 
 
4,132
 
 
86
 
Non-Owner occupied
 
 
-
 
 
-
 
 
-
 
 
 
 
4,117
 
 
4,132
 
 
86
 
Consumer real estate
 
 
 
 
 
 
 
 
 
 
Secured by 1-4 family residential
 
 
 
 
 
 
 
 
 
 
First deed of trust
 
 
1,550
 
 
1,550
 
 
144
 
Second deed of trust
 
 
90
 
 
90
 
 
90
 
 
 
 
1,640
 
 
1,640
 
 
234
 
Commercial and industrial loans (except those secured by real estate)
 
 
6
 
 
122
 
 
6
 
 
 
 
6,242
 
 
6,373
 
 
335
 
 
 
 
 
 
 
 
 
 
 
 
Total
 
 
 
 
 
 
 
 
 
 
Construction and land development
 
 
 
 
 
 
 
 
 
 
Commercial
 
 
581
 
 
648
 
 
9
 
 
 
 
581
 
 
648
 
 
9
 
Commercial real estate
 
 
 
 
 
 
 
 
 
 
Owner occupied
 
 
5,604
 
 
5,619
 
 
86
 
Non-owner occupied
 
 
2,236
 
 
2,236
 
 
-
 
 
 
 
7,840
 
 
7,855
 
 
86
 
Consumer real estate
 
 
 
 
 
 
 
 
 
 
Home equity lines
 
 
703
 
 
703
 
 
-
 
Secured by 1-4 family residential,
 
 
 
 
 
 
 
 
 
 
First deed of trust
 
 
5,064
 
 
5,068
 
 
144
 
Second deed of trust
 
 
709
 
 
955
 
 
90
 
 
 
 
6,476
 
 
6,726
 
 
234
 
Commercial and industrial loans (except those secured by real estate)
 
 
544
 
 
890
 
 
6
 
 
 
$
15,441
 
$
16,119
 
$
335
 
 
 
 
December 31, 2015
 
 
 
 
 
Unpaid
 
 
 
 
 
Recorded
 
Principal
 
Related
 
 
 
Investment
 
Balance
 
Allowance
 
With no related allowance recorded
 
 
 
 
 
 
 
 
 
 
Construction and land development
 
 
 
 
 
 
 
 
 
 
Commercial
 
$
123
 
$
190
 
$
-
 
Commercial real estate
 
 
 
 
 
 
 
 
 
 
Owner occupied
 
 
1,066
 
 
1,066
 
 
 
 
Non-owner occupied
 
 
2,418
 
 
2,418
 
 
-
 
 
 
 
3,484
 
 
3,484
 
 
-
 
Consumer real estate
 
 
 
 
 
 
 
 
 
 
Home equity lines
 
 
1,238
 
 
1,247
 
 
-
 
Secured by 1-4 family residential
 
 
 
 
 
 
 
 
 
 
First deed of trust
 
 
3,984
 
 
3,988
 
 
-
 
Second deed of trust
 
 
962
 
 
1,232
 
 
-
 
 
 
 
6,184
 
 
6,467
 
 
-
 
Commercial and industrial loans (except those secured by real estate)
 
 
690
 
 
920
 
 
-
 
 
 
 
10,481
 
 
11,061
 
 
-
 
 
 
 
 
 
 
 
 
 
 
 
With an allowance recorded
 
 
 
 
 
 
 
 
 
 
Construction and land development
 
 
 
 
 
 
 
 
 
 
Commercial
 
 
1,699
 
 
1,699
 
 
2
 
Commercial real estate
 
 
 
 
 
 
 
 
 
 
Owner occupied
 
 
5,719
 
 
5,734
 
 
383
 
Non-Owner occupied
 
 
449
 
 
449
 
 
26
 
 
 
 
6,168
 
 
6,183
 
 
409
 
Consumer real estate
 
 
 
 
 
 
 
 
 
 
Secured by 1-4 family residential
 
 
 
 
 
 
 
 
 
 
First deed of trust
 
 
1,775
 
 
1,775
 
 
324
 
Second deed of trust
 
 
250
 
 
250
 
 
98
 
 
 
 
2,025
 
 
2,025
 
 
422
 
Commercial and industrial loans (except those secured by real estate)
 
 
136
 
 
238
 
 
18
 
 
 
 
10,028
 
 
10,145
 
 
851
 
 
 
 
 
 
 
 
 
 
 
 
Total
 
 
 
 
 
 
 
 
 
 
Construction and land development
 
 
 
 
 
 
 
 
 
 
Commercial
 
 
1,822
 
 
1,889
 
 
2
 
 
 
 
1,822
 
 
1,889
 
 
2
 
Commercial real estate
 
 
 
 
 
 
 
 
 
 
Owner occupied
 
 
6,785
 
 
6,800
 
 
383
 
Non-owner occupied
 
 
2,867
 
 
2,867
 
 
26
 
 
 
 
9,652
 
 
9,667
 
 
409
 
Consumer real estate
 
 
 
 
 
 
 
 
 
 
Home equity lines
 
 
1,238
 
 
1,247
 
 
-
 
Secured by 1-4 family residential,
 
 
 
 
 
 
 
 
 
 
First deed of trust
 
 
5,759
 
 
5,763
 
 
324
 
Second deed of trust
 
 
1,212
 
 
1,482
 
 
98
 
 
 
 
8,209
 
 
8,492
 
 
422
 
Commercial and industrial loans (except those secured by real estate)
 
 
826
 
 
1,158
 
 
18
 
 
 
$
20,509
 
$
21,206
 
$
851
 
Summary of average recorded investment in impaired loans [Table Text Block]
The following is a summary of average recorded investment in impaired loans with and without valuation allowance and interest income recognized on those loans for periods indicated (in thousands):
 
 
 
December 31,
 
 
 
2016
 
2015
 
 
 
Average
 
Interest
 
Average
 
Interest
 
 
 
Recorded
 
Income
 
Recorded
 
Income
 
 
 
Investment
 
Recognized
 
Investment
 
Recognized
 
With no related allowance recorded
 
 
 
 
 
 
 
 
 
 
 
 
 
Construction and land development
 
 
 
 
 
 
 
 
 
 
 
 
 
Residential
 
$
-
 
$
-
 
$
61
 
$
-
 
Commercial
 
 
87
 
 
40
 
 
1,769
 
 
95
 
 
 
 
87
 
 
40
 
 
1,830
 
 
95
 
Commercial real estate
 
 
 
 
 
 
 
 
 
 
 
 
 
Owner occupied
 
 
1,040
 
 
29
 
 
1,349
 
 
69
 
Non-owner occupied
 
 
2,501
 
 
106
 
 
4,435
 
 
121
 
Multifamily
 
 
-
 
 
-
 
 
-
 
 
-
 
Farmland
 
 
-
 
 
-
 
 
-
 
 
-
 
 
 
 
3,541
 
 
135
 
 
5,784
 
 
190
 
Consumer real estate
 
 
 
 
 
 
 
 
 
 
 
 
 
Home equity lines
 
 
1,030
 
 
10
 
 
890
 
 
51
 
Secured by 1-4 family residential
 
 
 
 
 
 
 
 
 
 
 
 
 
First deed of trust
 
 
4,019
 
 
145
 
 
5,374
 
 
233
 
Second deed of trust
 
 
753
 
 
43
 
 
1,121
 
 
47
 
 
 
 
5,802
 
 
198
 
 
7,385
 
 
331
 
Commercial and industrial loans (except those secured by real estate)
 
 
421
 
 
31
 
 
344
 
 
44
 
Consumer and other
 
 
-
 
 
-
 
 
9
 
 
1
 
 
 
 
9,851
 
 
404
 
 
15,352
 
 
661
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
With an allowance recorded
 
 
 
 
 
 
 
 
 
 
 
 
 
Construction and land development
 
 
 
 
 
 
 
 
 
 
 
 
 
Commercial
 
 
1,118
 
 
25
 
 
844
 
 
23
 
Commercial real estate
 
 
 
 
 
 
 
 
 
 
 
 
 
Owner occupied
 
 
4,511
 
 
162
 
 
6,088
 
 
226
 
Non-Owner occupied
 
 
46
 
 
12
 
 
369
 
 
24
 
 
 
 
4,557
 
 
174
 
 
6,457
 
 
250
 
Consumer real estate
 
 
 
 
 
 
 
 
 
 
 
 
 
Home equity lines
 
 
-
 
 
-
 
 
22
 
 
-
 
Secured by 1-4 family residential
 
 
 
 
 
 
 
 
 
 
 
 
 
First deed of trust
 
 
1,624
 
 
9
 
 
1,434
 
 
26
 
Second deed of trust
 
 
131
 
 
4
 
 
277
 
 
15
 
 
 
 
1,755
 
 
13
 
 
1,733
 
 
41
 
Commercial and industrial loans (except those secured by real estate)
 
 
66
 
 
-
 
 
317
 
 
5
 
 
 
 
7,496
 
 
212
 
 
9,351
 
 
319
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Total
 
 
 
 
 
 
 
 
 
 
 
 
 
Construction and land development
 
 
 
 
 
 
 
 
 
 
 
 
 
Residential
 
 
-
 
 
-
 
 
61
 
 
-
 
Commercial
 
 
1,206
 
 
65
 
 
2,613
 
 
118
 
 
 
 
1,206
 
 
65
 
 
2,674
 
 
118
 
Commercial real estate
 
 
 
 
 
 
 
 
 
 
 
 
 
Owner occupied
 
 
5,551
 
 
191
 
 
7,437
 
 
295
 
Non-owner occupied
 
 
2,547
 
 
118
 
 
4,804
 
 
145
 
Multifamily
 
 
-
 
 
-
 
 
-
 
 
-
 
Farmland
 
 
-
 
 
-
 
 
-
 
 
-
 
 
 
 
8,098
 
 
309
 
 
12,241
 
 
440
 
Consumer real estate
 
 
 
 
 
 
 
 
 
 
 
 
 
Home equity lines
 
 
1,030
 
 
10
 
 
912
 
 
51
 
Secured by 1-4 family residential,
 
 
 
 
 
 
 
 
 
 
 
 
 
First deed of trust
 
 
5,643
 
 
154
 
 
6,808
 
 
259
 
Second deed of trust
 
 
884
 
 
47
 
 
1,398
 
 
62
 
 
 
 
7,557
 
 
211
 
 
9,118
 
 
372
 
Commercial and industrial loans (except those secured by real estate)
 
 
487
 
 
31
 
 
661
 
 
49
 
Consumer and other
 
 
-
 
 
-
 
 
9
 
 
1
 
 
 
$
17,348
 
$
616
 
$
24,703
 
$
980
 
Troubled Debt Restructurings on Financing Receivables [Table Text Block]
The following is a summary of performing and nonaccrual TDRs and the related specific valuation allowance by portfolio segment as of December 31, 2016 (dollars in thousands).
 
 
 
 
 
 
 
 
 
Specific
 
 
 
 
 
 
 
 
 
Valuation
 
 
 
Total
 
Performing
 
Nonaccrual
 
Allowance
 
December 31, 2016
 
 
 
 
 
 
 
 
 
 
 
 
 
Construction and land development
 
 
 
 
 
 
 
 
 
 
 
 
 
Commercial
 
$
479
 
$
479
 
$
-
 
$
9
 
 
 
 
479
 
 
479
 
 
-
 
 
9
 
Commercial real estate
 
 
 
 
 
 
 
 
 
 
 
 
 
Owner occupied
 
 
4,342
 
 
4,117
 
 
225
 
 
86
 
Non-owner occupied
 
 
2,236
 
 
2,236
 
 
-
 
 
-
 
Multifamily
 
 
-
 
 
-
 
 
-
 
 
-
 
 
 
 
6,578
 
 
6,353
 
 
225
 
 
86
 
Consumer real estate
 
 
 
 
 
 
 
 
 
 
 
 
 
Home equity lines
 
 
-
 
 
-
 
 
-
 
 
-
 
Secured by 1-4 family residential
 
 
 
 
 
 
 
 
 
 
 
 
 
First deeds of trust
 
 
3,853
 
 
3,012
 
 
841
 
 
139
 
Second deeds of trust
 
 
547
 
 
547
 
 
-
 
 
-
 
 
 
 
4,400
 
 
3,559
 
 
841
 
 
139
 
Commercial and industrial loans (except those secured by real estate)
 
 
397
 
 
-
 
 
397
 
 
-
 
Consumer and other
 
 
-
 
 
-
 
 
-
 
 
-
 
 
 
$
11,854
 
$
10,391
 
$
1,463
 
$
234
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Number of loans
 
 
55
 
 
36
 
 
16
 
 
3
 
 
 
 
 
 
 
 
 
 
Specific
 
 
 
 
 
 
 
 
 
Valuation
 
 
 
Total
 
Performing
 
Nonaccrual
 
Allowance
 
December 31, 2015
 
 
 
 
 
 
 
 
 
 
 
 
 
Construction and land development
 
 
 
 
 
 
 
 
 
 
 
 
 
Residential
 
$
-
 
$
-
 
$
-
 
$
-
 
Commercial
 
 
1,699
 
 
1,699
 
 
-
 
 
2
 
 
 
 
1,699
 
 
1,699
 
 
-
 
 
2
 
Commercial real estate
 
 
 
 
 
 
 
 
 
 
 
 
 
Owner occupied
 
 
5,730
 
 
5,458
 
 
272
 
 
184
 
Non-owner occupied
 
 
2,866
 
 
2,866
 
 
-
 
 
26
 
Multifamily
 
 
-
 
 
-
 
 
-
 
 
-
 
 
 
 
8,596
 
 
8,324
 
 
272
 
 
210
 
Consumer real estate
 
 
 
 
 
 
 
 
 
 
 
 
 
Home equity lines
 
 
87
 
 
-
 
 
87
 
 
-
 
Secured by 1-4 family residential
 
 
 
 
 
 
 
 
 
 
 
 
 
First deeds of trust
 
 
4,283
 
 
3,544
 
 
739
 
 
236
 
Second deeds of trust
 
 
693
 
 
693
 
 
-
 
 
1
 
 
 
 
5,063
 
 
4,237
 
 
826
 
 
237
 
Commercial and industrial loans (except those secured by real estate)
 
 
127
 
 
-
 
 
127
 
 
18
 
Consumer and other
 
 
-
 
 
-
 
 
-
 
 
-
 
 
 
$
15,485
 
$
14,260
 
$
1,225
 
$
467
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Number of loans
 
 
66
 
 
51
 
 
15
 
 
13
 
Troubled Debt Restructurings On Financing Receivables Modification [Table Text Block]
The following table provides information about TDRs identified during the indicated periods (dollars in thousands).
 
 
 
December 31, 2016
 
December 31, 2015
 
 
 
 
 
Pre-
 
Post-
 
 
 
Pre-
 
Post-
 
 
 
 
 
Modification
 
Modification
 
 
 
Modification
 
Modification
 
 
 
Number of
 
Recorded
 
Recorded
 
Number of
 
Recorded
 
Recorded
 
 
 
Loans
 
Balance
 
Balance
 
Loans
 
Balance
 
Balance
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Consumer real estate
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Home equity lines
 
 
-
 
$
-
 
$
-
 
 
1
 
$
87
 
$
87
 
Secured by 1-4 family residential
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
First deed of trust
 
 
1
 
 
234
 
 
234
 
 
-
 
 
-
 
 
-
 
 
 
 
1
 
 
234
 
 
234
 
 
1
 
 
87
 
 
87
 
Commercial and industrial loans (except those secured by real estate)
 
 
3
 
 
352
 
 
352
 
 
 
 
 
 
 
 
 
 
 
 
 
4
 
$
586
 
$
586
 
 
1
 
$
87
 
$
87
 
 
The following table provides information about defaults on TDRs for the indicated periods (dollars in thousands).
 
 
 
December 31, 2016
 
December 31, 2015
 
 
 
Number of
 
Recorded
 
Number of
 
Recorded
 
 
 
Loans
 
Balance
 
Loans
 
Balance
 
 
 
 
 
 
 
 
 
 
 
Commercial real estate
 
 
 
 
 
 
 
 
 
 
 
 
 
Owner occupied
 
 
1
 
$
225
 
 
1
 
$
156
 
 
 
 
1
 
 
225
 
 
1
 
 
156
 
Consumer real estate
 
 
 
 
 
 
 
 
 
 
 
 
 
Secured by 1-4 family residential
 
 
 
 
 
 
 
 
 
 
 
 
 
First deed of trust
 
 
13
 
 
1,134
 
 
11
 
 
889
 
Second deed of trust
 
 
2
 
 
83
 
 
2
 
 
94
 
 
 
 
15
 
 
1,217
 
 
13
 
 
983
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Commercial and industrial (except those secured by real estate)
 
 
-
 
 
-
 
 
1
 
 
127
 
 
 
 
16
 
$
1,442
 
 
15
 
$
1,266