|
|
|
Troubled Debt |
|
Troubled Debt |
|
|
| |||
|
|
|
Restructurings |
|
Restructurings |
|
Total |
| |||
|
Year Ended |
|
Performing to |
|
Not Performing to |
|
Troubled Debt |
| |||
|
December 31, 2013 (in thousands) |
|
Modified Terms |
|
Modified Terms |
|
Restructurings |
| |||
|
|
|
|
|
|
|
|
| |||
|
Residential real estate loans (including home equity loans): |
|
|
|
|
|
|
| |||
|
Interest only |
|
$ |
— |
|
$ |
164 |
|
$ |
164 |
|
|
Rate reduction |
|
6,605 |
|
935 |
|
7,540 |
| |||
|
Principal deferral |
|
95 |
|
157 |
|
252 |
| |||
|
Bankruptcies |
|
793 |
|
950 |
|
1,743 |
| |||
|
Total residential TDRs |
|
7,493 |
|
2,206 |
|
9,699 |
| |||
|
|
|
|
|
|
|
|
| |||
|
Commercial related and construction/land development loans: |
|
|
|
|
|
|
| |||
|
Interest only |
|
3,095 |
|
143 |
|
3,238 |
| |||
|
Rate reduction |
|
437 |
|
184 |
|
621 |
| |||
|
Principal deferral |
|
3,315 |
|
— |
|
3,315 |
| |||
|
Bankruptcies |
|
— |
|
168 |
|
168 |
| |||
|
Total commercial TDRs |
|
6,847 |
|
495 |
|
7,342 |
| |||
|
Total troubled debt restructurings |
|
$ |
14,340 |
|
$ |
2,701 |
|
$ |
17,041 |
|
The table above is inclusive of loans which were TDRs at the end of previous periods and were re-modified, e.g. a maturity date extension, during the current year.
|
|
|
Troubled Debt |
|
Troubled Debt |
|
|
| |||
|
|
|
Restructurings |
|
Restructurings |
|
Total |
| |||
|
Year Ended |
|
Performing to |
|
Not Performing to |
|
Troubled Debt |
| |||
|
December 31, 2012 (in thousands) |
|
Modified Terms |
|
Modified Terms |
|
Restructurings |
| |||
|
|
|
|
|
|
|
|
| |||
|
Residential real estate loans (including home equity loans): |
|
|
|
|
|
|
| |||
|
Interest only |
|
$ |
— |
|
$ |
624 |
|
$ |
624 |
|
|
Rate reduction |
|
14,011 |
|
849 |
|
14,860 |
| |||
|
Principal deferral |
|
6,016 |
|
1,452 |
|
7,468 |
| |||
|
Bankruptcies |
|
2,354 |
|
962 |
|
3,316 |
| |||
|
Total residential TDRs |
|
22,381 |
|
3,887 |
|
26,268 |
| |||
|
|
|
|
|
|
|
|
| |||
|
Commercial related and construction/land development loans: |
|
|
|
|
|
|
| |||
|
Interest only |
|
3,080 |
|
342 |
|
3,422 |
| |||
|
Rate reduction |
|
9,638 |
|
895 |
|
10,533 |
| |||
|
Principal deferral |
|
1,582 |
|
194 |
|
1,776 |
| |||
|
Total commercial TDRs |
|
14,300 |
|
1,431 |
|
15,731 |
| |||
|
Total troubled debt restructurings |
|
$ |
36,681 |
|
$ |
5,318 |
|
$ |
41,999 |
|
The table above is inclusive of loans which were TDRs at the end of previous periods and were re-modified, e.g. a maturity date extension, during the current year.