v2.3.0.9
DOCUMENT AND ENTITY INFORMATION
3 Months Ended
Sep. 30, 2011
Nov. 01, 2011
Entity Registrant Name CONSUMERS BANCORP INC /OH/  
Entity Central Index Key 0001006830  
Current Fiscal Year End Date --06-30  
Entity Filer Category Smaller Reporting Company  
Trading Symbol cbkm  
Entity Common Stock, Shares Outstanding   2,049,873
Document Type 10-Q  
Amendment Flag false  
Document Period End Date Sep. 30, 2011
Document Fiscal Period Focus Q1  
Document Fiscal Year Focus 2012  
v2.3.0.9
CONSOLIDATED BALANCE SHEETS (USD $)
In Thousands
Sep. 30, 2011
Jun. 30, 2011
ASSETS    
Cash on hand and noninterest-bearing deposits in other banks $ 8,115 $ 5,944
Interest-bearing deposits in other banks 13,749 7,884
Total cash and cash equivalents 21,864 13,828
Certificates of deposit in other financial institutions 3,675 4,900
Securities, available-for-sale 98,671 91,889
Federal bank and other restricted stocks, at cost 1,186 1,186
Total loans 179,901 177,551
Less allowance for loan losses (2,087) (2,101)
Net Loans 177,814 175,450
Cash surrender value of life insurance 5,462 5,411
Premises and equipment, net 4,711 4,776
Intangible assets 48 89
Other real estate owned 76 76
Accrued interest receivable and other assets 2,088 2,535
Total assets 315,595 300,140
LIABILITIES    
Non-interest bearing demand 68,670 64,657
Interest bearing demand 17,590 14,829
Savings 86,820 79,816
Time 89,274 88,944
Total deposits 262,354 248,246
Short-term borrowings 17,636 17,012
Federal Home Loan Bank advances 7,516 7,535
Accrued interest and other liabilities 2,042 2,023
Total liabilities 289,548 274,816
SHAREHOLDERS' EQUITY    
Preferred stock (no par value, 350,000 shares authorized) 0 0
Common stock (no par value, 3,500,000 shares authorized; 2,180,315 shares issued) 5,114 5,114
Retained earnings 21,342 20,881
Treasury stock, at cost (130,442 common shares) (1,659) (1,659)
Accumulated other comprehensive income 1,250 988
Total shareholders' equity 26,047 25,324
Total liabilities and shareholders' equity $ 315,595 $ 300,140
v2.3.0.9
CONSOLIDATED BALANCE SHEETS [Parenthetical]
In Thousands
Sep. 30, 2011
Jun. 30, 2011
Preferred stock, shares authorized 350,000 350,000
Common stock, shares authorized 3,500,000 3,500,000
Common stock, shares issued 2,180,315 2,180,315
Treasury stock, shares 130,442 130,442
v2.3.0.9
CONSOLIDATED STATEMENTS OF INCOME (USD $)
In Thousands, except Per Share data
3 Months Ended
Sep. 30, 2011
Sep. 30, 2010
Interest income    
Loans, including fees $ 2,535 $ 2,595
Securities    
Taxable 480 425
Tax-exempt 245 210
Federal funds sold and other interest bearing deposits 16 10
Total interest income 3,276 3,240
Interest expense    
Deposits 330 465
Short-term borrowings 11 13
Federal Home Loan Bank advances 60 69
Total interest expense 401 547
Net interest income 2,875 2,693
Provision for loan losses 92 102
Net interest income after provision for loan losses 2,783 2,591
Non-interest income    
Service charges on deposit accounts 356 335
Debit card interchange income 179 150
Bank owned life insurance income 51 45
Securities gains, net 49 17
Gain on sale of OREO 0 2
Other 37 57
Total non-interest income 672 606
Non-interest expenses    
Salaries and employee benefits 1,326 1,177
Occupancy and equipment 258 264
Data processing expenses 139 136
Professional and director fees 94 103
FDIC Assessments 50 78
Franchise taxes 65 58
Marketing and Advertising 76 37
Telephone and network communications 58 52
Debit card processing expenses 94 84
Amortization of intangible 41 41
Other 361 334
Total non-interest expenses 2,562 2,364
Income before income taxes 893 833
Income tax expense 206 200
Net Income $ 687 $ 633
Basic and diluted earnings per share ( in dollars per share) $ 0.34 $ 0.31
v2.3.0.9
CONSOLIDATED STATEMENTS OF COMPREHENSIVE INCOME (USD $)
In Thousands
3 Months Ended
Sep. 30, 2011
Sep. 30, 2010
Net income $ 687 $ 633
Other comprehensive income (loss), net of tax:    
Net change in unrealized gains (losses): 0 0
Available-for-sale securities:    
Unrealized gains (losses) arising during the period 446 272
Reclassification adjustment for gains included in income (49) (17)
Net unrealized gain (losses) 397 255
Income tax effect 135 87
Other comprehensive income 262 168
Total comprehensive income $ 949 $ 801
v2.3.0.9
CONDENSED CONSOLIDATED STATEMENTS OF CHANGES IN SHAREHOLDERS' EQUITY (USD $)
In Thousands, except Per Share data
3 Months Ended
Sep. 30, 2011
Sep. 30, 2010
Balance at beginning of period $ 25,324 $ 23,716
Comprehensive income    
Net income 687 633
Other comprehensive income 262 168
Total comprehensive income 949 801
Common stock issued for dividend reinvestment and stock purchase plan (2,989 shares for 2010) 0 36
Common cash dividends (226) (204)
Balance at the end of the period $ 26,047 $ 24,349
Common cash dividends per share $ 0.11 $ 0.10
v2.3.0.9
CONDENSED CONSOLIDATED STATEMENTS OF CHANGES IN SHAREHOLDERS' EQUITY [Parenthetical]
In Thousands
3 Months Ended
Sep. 30, 2011
Sep. 30, 2010
Common shares issued for dividend reinvestment and stock purchase plan (in shares) 0 2,989
v2.3.0.9
CONDENSED CONSOLIDATED STATEMENTS OF CASH FLOWS (USD $)
In Thousands
3 Months Ended
Sep. 30, 2011
Sep. 30, 2010
Cash flows from operating activities    
Net cash from operating activities $ 1,407 $ 1,238
Cash flow from investing activities    
Securities available-for-sale Purchases (17,212) (13,267)
Securities available-for-sale - Maturities, calls and principal pay downs 5,660 3,594
Proceeds from sales of available-for-sale securities 4,951 2,553
Net (increase) decrease in certificates of deposits in other financial institutions 1,225 (980)
Net increase in loans (2,456) (255)
Acquisition of premises and equipment (26) (447)
Sale of other real estate owned 0 26
Net cash from investing activities (7,858) (8,776)
Cash flow from financing activities    
Net increase in deposit accounts 14,108 4,311
Net change in short-term borrowings 624 2,262
Repayments of Federal Home Loan Bank advances (19) (38)
Proceeds from dividend reinvestment and stock purchase plan 0 36
Dividends paid (226) (204)
Net cash from financing activities 14,487 6,367
Increase/(decrease) in cash or cash equivalents 8,036 (1,171)
Cash and cash equivalents, beginning of period 13,828 13,806
Cash and cash equivalents, end of period 21,864 12,635
Supplemental disclosure of cash flow information:    
Interest 409 550
Federal income taxes $ 0 $ 65
v2.3.0.9
Summary of Significant Accounting Policies
3 Months Ended
Sep. 30, 2011
Accounting Policies [Abstract]  
Significant Accounting Policies [Text Block]
Note 1 – Summary of Significant Accounting Policies:
 
Nature of Operations: Consumers Bancorp, Inc. (the Corporation) is a bank holding company headquartered in Minerva, Ohio that provides, through its banking subsidiary, Consumers National Bank (the Bank), a broad array of products and services throughout its primary market area of Stark, Columbiana, Carroll and contiguous counties in Ohio. The Bank’s business involves attracting deposits from businesses and individual customers and using such deposits to originate commercial, mortgage and consumer loans in its primary market area.
 
Basis of Presentation: The consolidated financial statements for interim periods are unaudited and reflect all adjustments (consisting of only normal recurring adjustments), which, in the opinion of management, are necessary to present fairly the financial position and results of operations and cash flows for the periods presented. The unaudited financial statements are presented in accordance with the requirements of Form 10-Q and do not include all disclosures normally required by accounting principles generally accepted in the United States of America.  The financial statements should be read in conjunction with the consolidated financial statements and notes thereto included in the Corporation’s Form 10-K for the year ended June 30, 2011. The results of operations for the interim period disclosed herein are not necessarily indicative of the results that may be expected for a full year.
 
The consolidated financial statements include the accounts of the Corporation and the Bank. All significant inter-company transactions and accounts have been eliminated in consolidation.
 
Segment Information: Consumers Bancorp, Inc. is a bank holding company engaged in the business of commercial and retail banking, which accounts for substantially all of the revenues, operating income, and assets. Accordingly, all of its operations are recorded in one segment, banking.
 
Earnings per Share: Earnings per common share are computed based on the weighted average common shares outstanding. The weighted average number of outstanding shares was 2,049,873 and 2,038,569 for the quarters ended September 30, 2011 and 2010, respectively. The weighted average number of outstanding diluted shares was 2,050,877 for the quarter ended September 30, 2011. There were no dilutive securities as of September 30, 2010.
 
Reclassifications: Certain items in prior financial statements have been reclassified to conform to the current presentation.
 
v2.3.0.9
Securities
3 Months Ended
Sep. 30, 2011
Investments, Debt and Equity Securities [Abstract]  
Investments in Debt and Marketable Equity Securities (and Certain Trading Assets) Disclosure [Text Block]
Note 2 – Securities
 
         
Gross
   
Gross
       
Description of Securities  
Amortized
   
Unrealized
   
Unrealized
   
Fair
 
    Cost    
Gains
   
Losses
   
Value
 
September 30, 2011
                       
U.S. government-sponsored entities and agencies
  $ 9,701     $ 122     $ (4 )   $ 9,819  
Obligations of state and political subdivisions
    25,229       1,044       (64 )     26,209  
Mortgage-backed securities – residential
    41,774       1,108       (160 )     42,722  
Collateralized mortgage obligations
    19,871       85       (99 )     19,857  
Trust preferred security
    202             (138 )     64  
Total securities
  $ 96,777     $ 2,359     $ (465 )   $ 98,671  
 
         
Gross
   
Gross
       
   
Amortized
   
Unrealized
   
Unrealized
   
Fair
 
   
Cost
   
Gains
   
Losses
   
Value
 
June 30, 2011
                       
U.S. government-sponsored entities and agencies
  $ 16,185     $ 98     $ (23 )   $ 16,260  
Obligations of state and political subdivisions
    24,725       584       (211 )     25,098  
Mortgage-backed securities - residential
    29,424       1,172             30,596  
Collateralized mortgage obligations
    19,856       74       (62 )     19,868  
Trust preferred security
    202             (135 )     67  
Total securities
  $ 90,392     $ 1,928     $ (431 )   $ 91,889  
 
Proceeds from the sale of available-for-sale securities were as follows:
 
   
Three Months Ended
 
   
September 30,
 
   
2011
   
2010
 
Proceeds from sales
  $ 4,951       2,553  
Gross realized gains
    49       44  
Gross realized losses
          27  
 
The amortized cost and fair values of available-for-sale securities at September 30, 2011, by expected maturity, are shown below. Expected maturities will differ from contractual maturities because borrowers may have the right to call or prepay obligations with or without call or prepayment penalties. Securities not due at a single maturity date, primarily mortgage-backed securities, collateralized mortgage obligations and the trust preferred security are shown separately.
 

 
   
Amortized
   
Estimated Fair
 
   
Cost
   
Value
 
Due in one year or less
  $ 3,525     $ 3,552  
Due after one year through five years
    7,220       7,360  
Due after five years through ten years
    5,835       6,162  
Due after ten years
    18,350       18,954  
Total
    34,930       36,028  
                 
Mortgage-backed securities – residential
    41,774       42,722  
Collateralized mortgage obligations
    19,871       19,857  
Trust preferred security
    202       64  
Total
  $ 96,777     $ 98,671  
 
The following table summarizes the securities with unrealized losses at September 30, 2011 and June 30, 2011, aggregated by investment category and length of time that individual securities have been in a continuous unrealized loss position:
 
   
Less than 12 Months
   
12 Months or more
   
Total
 
 
 
Fair
   
Unrealized
   
Fair
   
Unrealized
   
Fair
   
Unrealized
 
Description of Securities  
Value
   
Loss
   
Value
   
Loss
   
Value
   
Loss
 
                                     
September 30, 2011
                                   
U.S. government-sponsored entities and agencies
  $ 996     $ (4 )   $     $     $ 996     $ (4 )
Obligations of states and political subdivisions
    241             1,436       (64 )     1,677       (64 )
Mortgage-backed securities - residential
    14,288       (160 )                 14,288       (160 )
Collateralized mortgage obligations
    12,117       (99 )                 12,117       (99 )
Trust preferred security
                64       (138 )     64       (138 )
                                                 
Total temporarily impaired
  $ 27,642     $ (263 )   $ 1,500     $ (202 )   $ 29,142     $ (465 )
 
 
   
Less than 12 Months
   
12 Months or more
   
Total
 
 
 
Fair
   
Unrealized
   
Fair
   
Unrealized
   
Fair
   
Unrealized
 
Description of Securities
 
Value
   
Loss
   
Value
   
Loss
   
Value
   
Loss
 
                                     
June 30, 2011
                                   
U.S. government-sponsored entities and agencies
  $ 3,088     $ (23 )   $     $     $ 3,088     $ (23 )
Obligations of states and political subdivisions
    3,656       (81 )     1,221       (130 )     4,877       (211 )
Collateralized mortgage obligations
    9,665       (62 )                 9,665       (62 )
Trust preferred security
                67       (135 )     67       (135 )
                                                 
Total temporarily impaired
  $ 16,409     $ (166 )   $ 1,288     $ (265 )   $ 17,697     $ (431 )
 
 
 
Management evaluates securities for other-than-temporary impairment (OTTI) on a quarterly basis, and more frequently when economic or market conditions warrant such an evaluation. The securities portfolio is evaluated for OTTI by segregating the portfolio into two general segments and applying the appropriate OTTI model. Investment securities are generally evaluated for OTTI under FASB ASC Topic 320, Accounting for Certain Investments in Debt and Equity Securities. However, the trust preferred security is evaluated using the model outlined in FASB ASC Topic 325, Recognition of Interest Income and Impairment on Purchased Beneficial Interests and Beneficial Interests that Continue to be Held by a Transfer in Securitized Financial Assets.
 
In determining OTTI under the ASC Topic 320 model, management considers many factors, including: (1) the length of time and the extent to which the fair value has been less than cost, (2) the financial condition and near-term prospects of the issuer, (3) whether the market decline was affected by macroeconomic conditions, and (4) whether the entity has the intent to sell the debt security or more likely than not will be required to sell the debt security before its anticipated recovery. The assessment of whether an other-than-temporary decline exists involves a high degree of subjectivity and judgment and is based on the information available to management at a point in time.
 
Unrealized losses on U.S. government-sponsored entities and agencies, obligations of state and political subdivisions, residential mortgage-backed securities and collateralized mortgage obligations have not been recognized into income because the decline in fair value is not attributed to credit quality, management does not intend to sell and it is likely that management will not be required to sell the securities prior to their anticipated recovery, and the decline in fair value is largely due to changes in interest rates and other market conditions. The fair value is expected to recover as the securities approach maturity.
 
Under the ASC Topic 325 model, the present value of the remaining cash flows as estimated at the preceding evaluation date are compared to the current expected remaining cash flows. An OTTI is deemed to have occurred if there has been an adverse change in the remaining expected future cash flows. The analysis of the trust preferred security falls within the scope of ASC Topic 325.
 
The Corporation owns a trust preferred security, which represents collateralized debt obligations (CDOs) issued by other financial and insurance companies. The security is part of a pool of issuers that support a more senior tranche of securities. Due to the illiquidity in the market, it is unlikely the Corporation would be able to recover its investment in this security if the Corporation sold the security at this time.
 
Due to an increase in principal and/or interest deferrals by the issuers of the underlying securities, the cash interest payments for the trust preferred security are being deferred. On September 30, 2011, the lowest credit rating on this security was Fitch’s rating of C, which is defined as highly speculative. The issuers in this security are primarily banks, bank holding companies and a limited number of insurance companies. The investment security is evaluated using a model to compare the present value of expected cash flows to prior periods expected cash flows to determine if there has been an adverse change in cash flows during the period. The discount rate used to calculate the cash flows is the coupon rate of the security, based on the forward LIBOR curve. The OTTI model considers the structure and term of the CDO and the financial condition of the underlying issuers. Specifically, the model details interest rates, principal balances of note classes and underlying issuers, the timing and amount of interest and principal payments of the underlying issuers, and the allocation of the payments to the note classes. The current estimate of expected cash flows is based on the most recent trustee reports and any other relevant market information including announcements of interest payment deferrals or defaults of underlying trust preferred securities. Assumptions used in the model include expected future default rates and prepayments. We assume no recoveries on defaults and all interest payment deferrals are treated as defaults with an assumed recovery rate of 15% on deferrals. In addition we use the model to “stress” the CDO, or make assumptions more severe than expected activity, to determine the degree to which assumptions could deteriorate before the CDO could no longer fully support repayment of the Corporation’s note class. According to the September 30, 2011 analysis, the expected cash flows were above the recorded amortized cost of the trust preferred security. The accumulated other-than-temporary impairment loss that has been recognized in earnings was $780 at September 30, 2011 and June 30, 2011. If there is further deterioration in the underlying collateral of this security, other-than-temporary impairments may also occur in future periods.
 
v2.3.0.9
Loans
3 Months Ended
Sep. 30, 2011
Receivables [Abstract]  
Loans, Notes, Trade and Other Receivables Disclosure [Text Block]
Note 3 – Loans
 
Major classifications of loans were as follows:
 
   
September 30,
   
June 30,
 
   
2011
   
2011
 
Commercial
  $ 19,034     $ 19,297  
Commercial real estate:
               
Construction
    2,379       1,057  
Other
    100,361       97,403  
1 – 4 Family residential real estate:
               
Owner occupied
    33,251       34,488  
Non-owner occupied
    18,505       19,098  
Construction
    139       597  
Consumer
    6,498       5,874  
Subtotal
    180,167       177,814  
Less: Net deferred loan fees
    (266 )     (263 )
Allowance for loan losses
    (2,087 )     (2,101 )
Net Loans
  $ 177,814     $ 175,450  
 
The following table presents the activity in the allowance for loan losses by portfolio segment for the three months ending September 30, 2011:
 
         
Commercial
   
Residential
             
         
Real
   
Real
             
   
Commercial
   
Estate
   
Estate
   
Consumer
   
Total
 
                               
Allowance for loan losses:
                             
Beginning balance
  $ 179     $ 882     $ 947     $ 93     $ 2,101  
Provision for loan losses
    (82 )     172       (33 )     35       92  
Loans charged-off
                (69 )     (50 )     (119 )
Recoveries
                      13       13  
                                         
Total ending allowance balance
  $ 97     $ 1,054     $ 845     $ 91     $ 2,087  
 
A summary of activity in the allowance for loan losses for the three months ended September 30, 2010, was as follows:
 
Beginning of period
  $ 2,276  
Provision
    102  
Charge-offs
    (41 )
Recoveries
    20  
Total ending allowance balance
  $ 2,357  
 
The following table presents the balance in the allowance for loan losses and the recorded investment in loans by portfolio segment and based on impairment method as of September 30, 2011. Included in the recorded investment in loans is $(266) of net deferred loan fess and $459 of accrued interest receivable.
               
1-4 Family
             
         
Commercial
   
Residential
             
         
Real
   
Real
             
   
Commercial
   
Estate
   
Estate
   
Consumer
   
Total
 
Allowance for loan losses:
                             
Ending allowance balance attributable to loans:
                             
Individually evaluated for impairment
  $ 10     $ 107     $ 249     $     $ 366  
Collectively evaluated for impairment
    87       947       596       91       1,721  
                                         
Total ending allowance balance
  $ 97     $ 1,054     $ 845     $ 91     $ 2,087  
                                         
Recorded investment in loans:
                                       
Loans individually evaluated for impairment
  $ 77     $ 1,395     $ 1,320     $     $ 2,792  
Loans collectively evaluated for impairment
    19,010       101,359       50,711       6,488       177,568  
                                         
Total ending loans balance
  $ 19,087     $ 102,754     $ 52,031     $ 6,488     $ 180,360  
 
The following table presents 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, 2011. Included in the recorded investment in loans is $(263) of net deferred loan fees and $472 of accrued interest receivable.
 
               
1-4 Family
             
         
Commercial
   
Residential
             
         
Real
   
Real
             
   
Commercial
   
Estate
   
Estate
   
Consumer
   
Total
 
Allowance for loan losses:
                             
Ending allowance balance attributable to loans:
                             
Individually evaluated for impairment
  $ 13     $ 126     $ 293     $     $ 432  
Collectively evaluated for impairment
    166       756       654       93       1,669  
                                         
Total ending allowance balance
  $ 179     $ 882     $ 947     $ 93     $ 2,101  
                                         
Recorded investment in loans:
                                       
Loans individually evaluated for impairment
  $ 82     $ 1,405     $ 1,042     $     $ 2,529  
Loans collectively evaluated for impairment
    19,254       97,093       53,279       5,868       175,494  
                                         
Total ending loans balance
  $ 19,336     $ 98,498     $ 54,321     $ 5,868     $ 178,023  
 
The following table presents information related to loans individually evaluated for impairment by class of loans as of and for the three months ended September 30, 2011:
   
Unpaid
         
Allowance for
   
Average
   
Interest
   
Cash Basis
 
   
Principal
   
Recorded
   
Loan Losses
   
Recorded
   
Income
   
Interest
 
   
Balance
   
Investment
   
Allocated
   
Investment
   
Recognized
   
Recognized
 
                                     
With no related allowance recorded:
                                   
Commercial
  $ 16     $ 16     $     $ 17     $     $  
Commercial real estate:
                                               
Other
    635       634             635       3       3  
1-4 Family residential real estate:
                                               
Owner occupied
    97       97             97       2       2  
Non-owner occupied
    64       65             43              
With an allowance recorded:
                                               
Commercial
    62       61       10       63              
Commercial real estate:
                                               
Other
    762       761       107       763       5       5  
1-4 Family residential real estate:
                                               
Owner occupied
    220       218       14       218       2       2  
Non-owner occupied
    940       940       235       871              
Total
  $ 2,796     $ 2,792     $ 366     $ 2,707     $ 12     $ 12  
 
The following table presents information related to loans individually evaluated for impairment by class of loans as of June 30, 2011 and for the three months ended September 30, 2010:
   
As of June 30, 2011
   
Three Months ended September 30, 2010
 
   
Unpaid
         
Allowance for
   
Average
   
Interest
   
Cash Basis
 
   
Principal
   
Recorded
   
Loan Losses
   
Recorded
   
Income
   
Interest
 
   
Balance
   
Investment
   
Allocated
   
Investment
   
Recognized
   
Recognized
 
                                     
With no related allowance recorded:
                                   
Commercial
  $ 18     $ 18     $     $ 23     $     $  
Commercial real estate:
                                               
Other
    413       412             493              
With an allowance recorded:
                                               
Commercial
    64       64       13       30              
Commercial real estate:
                                               
Other
    997       993       126       1,263       3       18  
1-4 Family residential real estate:
                                               
Owner occupied
    320       319       3       222       2        
Non-owner occupied
    724       723       290       775              
Total
  $ 2,536     $ 2,529     $ 432     $ 2,806     $ 5     $ 18  
 
The following table presents the recorded investment in non-accrual and loans past due over 90 days still on accrual by class of loans as of September 30, 2011 and June 30, 2011:
   
September 30, 2011
   
June 30, 2011
 
          Loans Past Due          
Loans Past Due
 
          Over 90 Days          
Over 90 Days
 
   
 
   
Still
         
Still
 
   
Non-accrual
   
Accruing
   
Non-accrual
   
Accruing
 
Commercial
  $ 62     $     $ 64     $  
Commercial real estate:
                               
Other
    950             754        
1 – 4 Family residential:
                               
Owner occupied
    358             219        
Non-owner occupied
    649             723        
Consumer
                       
Total
  $ 2,019     $     $ 1,760     $  
 
Non-accrual loans and loans past due 90 days still on accrual include both smaller balance homogeneous loans that are collectively evaluated for impairment and individually classified impaired loans.
 
The following table presents the aging of the recorded investment in past due loans as of September 30, 2011 by class of loans:
 
   
Days Past Due
                   
               
90 Days or
                   
     30 - 59      60 – 89    
Greater &
   
Total
   
Loans Not
       
   
Days
   
Days
   
Non-accrual
   
Past Due
   
Past Due
   
Total
 
Commercial
  $ 16     $     $ 37     $ 53     $ 19,034     $ 19,087  
Commercial real estate:
                                               
Construction
                            2,378       2,378  
Other
    112             651       763       99,613       100,376  
1-4 Family residential:
                                               
Owner occupied
                211       211       33,172       33,383  
Non-owner occupied
    26                   26       18,482       18,508  
Construction
                            140       140  
Consumer
    28                   28       6,460       6,488  
Total
  $ 182     $     $ 899     $ 1,081     $ 179,279     $ 180,360  
 
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