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Short-Term Federal Home Loan Bank Advances — 43 4 43 Total Interest Expense 2,310 1,802 6,928 4,369 Net Interest Income 2,883 2,353 7,207 7,809 Recovery of Credit Losses on Loans — (100) (1,100) (100) Recovery of Credit Losses on Unfunded Commitments (110) — (110) ...
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Management regularly reviews loans in the portfolio to assess credit quality indicators and to determine appropriate loan classification. For all loans, an internal risk rating process is used. The Company believes that internal risk ratings are the most relevant credit quality indicator for these types...
including underwriting standards and collection, charge-off and recovery practices and management experience, national and local economic conditions, new loan trends, past due and nonaccrual loans, loan reviews, collateral values, credit concentrations and other internal and external factors such as compet...