Question-and-Answer Session
Operator
Thank you. (Operator instructions) And your first question comes from the line of Brian Klock of KBW.
Brian Klock - KBW
Hey, good morning gentlemen.
E. Robinson McGraw
Good morning, how are you, Brian?
Brian Klock - KBW
I am doing fine, thanks. Rob I know you went over some of the credit detail, but I wonder if you could go over those again. Looking forward the inflow is into non-performing loans and out and went into or (inaudible), maybe you can kind of go through those flows, inflows and outflows for the NPLs and ROEs again.
E. Robinson McGraw
Right, okay, lets go from a non-performers we had about $5.5 million of non-performers going into ROE we charged off by about $6.7 million of debt, that was a reduction in the other category little over $13 million we had about $21 million that went to non-accrual and about $1.3 million went over 90 but non-accrual or about $23 million that went in.
Brian Klock - KBW
Okay. And so, with the $23 million that went into NPL, can you give us some granularity as to collateral type geography?
E. Robinson McGraw
Yes, of that $23 million basically about three-fourth of it I think we can safely say was a construction and development and the other was just kind of spread I guess maybe 10% of it would be owner occupied and commercial real estate.
Brian Klock - KBW
Okay, and is there anyone geography that you are seeing the weakness in?
E. Robinson McGraw
Yes, you can look probably about 75% of it depending in Memphis MSA which includes the DeSota County, Mississippi.
Brian Klock - KBW
Okay, and Robin with that we both on the C&D which I know you have been talking about that for a while but also it seems like to the first time maybe you are seeing the commercial real estate there are going to see a little bit contingent?
E. Robinson McGraw
Well, actually the commercial real-estate that $2.8 million get really and truly I don’t think any of it was in that geography quite frankly one of them the largest credit which is about a little over third of it, was USDA guaranteed credit plan in Mississippi, fortunes of it were Mississippi type credits I think and looking at it one national credit so really and truly DeSoto County was not one of the areas of concern.
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