Question-and-Answer Session
Operator
(Operator Instructions)Your first question comes from Jeff Ruiz - DA Davidson & Company.
Jeff Ruiz –DA Davidson & Co.
Hey, Roger, did you say that you expect the NPAs to contract though the end of the year?
Roger Busse
Yes, that is correct.
Jeff Ruiz –DA Davidson & Co.
Could you provide any comments on the 30 to 89 days past due any trends there either specific or non-specific?
Roger Busse
Yes, I can tell you that our 30 to 89-day delinquencies dropped quarter-over-quarter and net of non-performing assets 90-day past dues, we are looking at 0.22 almost; I think its 0.22, so, very low.
Jeff Ruiz –DA Davidson & Co.
What is the total construction piece at the end of the quarter for the total portfolio?
Roger Busse
The total outstanding at the other portfolio is right out of a $100 million, Jeff or over. .
Jeff Ruiz –DA Davidson & Co.
Residential, what percent of that?
Roger Busse
That was the residential piece.
Jeff Ruiz –DA Davidson & Co.
But the total construction and all inclusive is?
Roger Busse
Jeff, if you look at our CRE construction, it is a 36.9, if you look at our residential construction it is mixed set, it is just a hair over a $100 million, which includes all of that. So that would be the primary bulk of our construction portfolio.
Jeff Ruiz –DA Davidson & Co.
You said that your current capital ratios on hand?
Roger Busse
As of the end of the second quarter, we are right at 10.7%, Jeff, of risk based capital ratio. We have got right at $7 million of excess capital above the low capitalized level.
Jeff Ruiz –DA Davidson & Co.
And that’s at the bank level?
Roger Busse
Yes.
Operator
Your next question comes from Kristin Hottie - Howe, Barnes, Hoefer & Arnett.
Kristin Hottie - Howe, Barnes, Hoefer & Arnett, Inc.
I was wondering with respect to the construction loan portfolio. How recent appraisals are reviewed or reappraised and whether or not you had seen any recent deterioration in values in any of your market?
Charlotte Boxer
We are getting real [creditors] on all of our projects in a very timely manner again. Most certainly if we were to give any extension we have to reappraise so we are having projects reappraised within the term of the original construction loan to assure that our values are consistent with what the original value was.
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