Page 29 - Annual Report 2017

TEXAS GULF BANCSHARES, INC. AND SUBSIDIARY

Notes to Consolidated Financial Statements
December 31, 2016 and 2015

NOTE D LOANS (CONTINUED)

For the years ending December 31, 2016 and 2015, the Company recorded activity related to
SBA loans in the consolidated statements of income as follows:

2016 2015

Gain (Loss) on sale of SBA loans $ 323,209 $ (86)
Servicing income on SBA loans $ 47,439 $ 39,728
Other SBA loan income $ 4,800 $ -
Commissions and fees paid related to SBA loans $ 14,110 $ 10,592

Past Due and Nonaccrual Loans

The following is an aging analysis of loans past due, segregated by loan class, as of
December 31, 2016 and 2015.

90 Days or
30 - 89 Days more Non
Current & Past Due & Past Due & Accrual
Accruing Accruing Accruing Loans Total Loans
2016
Commercial real estate $ 150,172,431 $ - $ - $ - $ 150,172,431
Construction and development 60,909,245 - - - 60,909,245
Farmland 16,467,218 - - - 16,467,218
1-4 family residential 85,548,804 277,321 - 18,374 85,844,499
Multi-family residential 8,534,372 - - - 8,534,372
Commercial and industrial 52,851,347 - - - 52,851,347
Agriculture 3,113,348 - - - 3,113,348
Consumer - automobile 667,785 2,175 - 669,960
Consumer - other 4,123,745 - - - 4,123,745
Other loans 5,936,223 - - - 5,936,223

Total $ 388,324,518 $ 279,496 $ - $ 18,374 $ 388,622,388

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