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LOANS AND ALLOWANCE FOR LOAN LOSSES (Tables) | 12 Months Ended
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Dec. 31, 2018
Receivables [Abstract] |
Summary of Loan Portfolio by Type of Loan | The following table summarizes our loan portfolio by type of loan at December 31:
| 2018 |  | 2017
Commercial and industrial | $ | 261,779 |  |  | $ | 197,508 |
Real estate: |  |  |
Construction and development | 237,503 |  |  | 196,774 |
Commercial real estate | 582,519 |  |  | 418,137 |
Farmland | 67,845 |  |  | 59,023 |
1-4 family residential | 393,067 |  |  | 374,371 |
Multi-family residential | 38,386 |  |  | 36,574 |
Consumer | 54,777 |  |  | 51,267 |
Agricultural | 23,277 |  |  | 25,596 |
Overdrafts | 382 |  |  | 294 |
Total loans | 1,659,535 |  |  | 1,359,544 |
Net of: |  |  |
Net deferred loan fees and costs | 560 |  |  | 1,094 |
Allowance for loan losses | (14,651 | ) |  | (12,859 | )
Total net loans | $ | 1,645,444 |  |  | $ | 1,347,779 |
Schedule of Related Party Loans Receivable | Loans to principal officers, directors, and their affiliates during the year ended December 31, 2018, was as follows:
| 2018
Beginning balance | $ | 44,506 |
New loans | 29,285 |
Repayments | (17,592 | )
Ending balance | $ | 56,199 |
Schedule of Allowance for Loan Losses Activity | The following table presents the activity in the allowance for loan losses and the recorded investment in loans by portfolio segment and based on impairment method for the years ended December 31, 2018, 2017 and 2016:
December 31, 2018 | Commercial and industrial |  | Construction and development |  | Commercial real estate |  | Farmland |  | 1-4 family residential |  | Multi-family residential |  | Consumer |  | Agricultural |  | Overdrafts |  | Total
Allowance for loan losses: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Beginning balance | $ | 1,581 |  |  | $ | 1,724 |  |  | $ | 4,585 |  |  | $ | 523 |  |  | $ | 3,022 |  |  | $ | 629 |  |  | $ | 602 |  |  | $ | 187 |  |  | $ | 6 |  |  | $ | 12,859 |
Provision for loan losses | 426 |  |  | 196 |  |  | 1,472 |  |  | 120 |  |  | (196 | ) |  | 2 |  |  | 127 |  |  | (12 | ) |  | 115 |  |  | 2,250 |
Loans charged-off | (367 | ) |  | — |  |  | (33 | ) |  | — |  |  | (93 | ) |  | — |  |  | (254 | ) |  | (2 | ) |  | (169 | ) |  | (918 | )
Recoveries | 111 |  |  | — |  |  | 1 |  |  | — |  |  | 135 |  |  | — |  |  | 90 |  |  | 65 |  |  | 58 |  |  | 460 |
Ending balance | $ | 1,751 |  |  | $ | 1,920 |  |  | $ | 6,025 |  |  | $ | 643 |  |  | $ | 2,868 |  |  | $ | 631 |  |  | $ | 565 |  |  | $ | 238 |  |  | $ | 10 |  |  | $ | 14,651 |
Allowance ending balance: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Individually evaluated for impairment | $ | 64 |  |  | $ | 4 |  |  | $ | 341 |  |  | $ | 78 |  |  | $ | 6 |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | 493 |
Collectively evaluated for impairment | 1,687 |  |  | 1,916 |  |  | 5,684 |  |  | 565 |  |  | 2,862 |  |  | 631 |  |  | 565 |  |  | 238 |  |  | 10 |  |  | 14,158 |
Ending balance | $ | 1,751 |  |  | $ | 1,920 |  |  | $ | 6,025 |  |  | $ | 643 |  |  | $ | 2,868 |  |  | $ | 631 |  |  | $ | 565 |  |  | $ | 238 |  |  | $ | 10 |  |  | $ | 14,651 |
Loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Individually evaluated for impairment | $ | 1,022 |  |  | $ | 1,250 |  |  | $ | 7,153 |  |  | $ | 140 |  |  | $ | 1,383 |  |  | $ | — |  |  | $ | — |  |  | $ | 408 |  |  | $ | — |  |  | $ | 11,356 |
Collectively evaluated for impairment | 260,757 |  |  | 236,253 |  |  | 575,366 |  |  | 67,705 |  |  | 391,684 |  |  | 38,386 |  |  | 54,777 |  |  | 22,869 |  |  | 382 |  |  | 1,648,179 |
Ending balance | $ | 261,779 |  |  | $ | 237,503 |  |  | $ | 582,519 |  |  | $ | 67,845 |  |  | $ | 393,067 |  |  | $ | 38,386 |  |  | $ | 54,777 |  |  | $ | 23,277 |  |  | $ | 382 |  |  | $ | 1,659,535 |
December 31, 2017 | Commercial and industrial |  | Construction and development |  | Commercial real estate |  | Farmland |  | 1-4 family residential |  | Multi-family residential |  | Consumer |  | Agricultural |  | Overdrafts |  | Total
Allowance for loan losses: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Beginning balance | $ | 1,592 |  |  | $ | 1,161 |  |  | $ | 3,264 |  |  | $ | 482 |  |  | $ | 3,960 |  |  | $ | 281 |  |  | $ | 585 |  |  | $ | 153 |  |  | $ | 6 |  |  | $ | 11,484 |
Provision for loan losses | 272 |  |  | 563 |  |  | 1,405 |  |  | 41 |  |  | (418 | ) |  | 348 |  |  | 253 |  |  | 276 |  |  | 110 |  |  | 2,850 |
Loans charged-off | (1,080 | ) |  | — |  |  | (84 | ) |  | — |  |  | (543 | ) |  | — |  |  | (344 | ) |  | (242 | ) |  | (165 | ) |  | (2,458 | )
Recoveries | 797 |  |  | — |  |  | — |  |  | — |  |  | 23 |  |  | — |  |  | 108 |  |  | — |  |  | 55 |  |  | 983 |
Ending balance | $ | 1,581 |  |  | $ | 1,724 |  |  | $ | 4,585 |  |  | $ | 523 |  |  | $ | 3,022 |  |  | $ | 629 |  |  | $ | 602 |  |  | $ | 187 |  |  | $ | 6 |  |  | $ | 12,859 |
Allowance ending balance: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Individually evaluated for impairment | $ | 17 |  |  | $ | — |  |  | $ | 27 |  |  | $ | 85 |  |  | $ | 5 |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | 134 |
Collectively evaluated for impairment | 1,564 |  |  | 1,724 |  |  | 4,558 |  |  | 438 |  |  | 3,017 |  |  | 629 |  |  | 602 |  |  | 187 |  |  | 6 |  |  | 12,725 |
Ending balance | $ | 1,581 |  |  | $ | 1,724 |  |  | $ | 4,585 |  |  | $ | 523 |  |  | $ | 3,022 |  |  | $ | 629 |  |  | $ | 602 |  |  | $ | 187 |  |  | $ | 6 |  |  | $ | 12,859 |
Loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Individually evaluated for impairment | $ | 463 |  |  | $ | — |  |  | $ | 4,258 |  |  | $ | 163 |  |  | $ | 842 |  |  | $ | 217 |  |  | $ | — |  |  | $ | 397 |  |  | $ | — |  |  | $ | 6,340 |
Collectively evaluated for impairment | 197,045 |  |  | 196,774 |  |  | 413,879 |  |  | 58,860 |  |  | 373,529 |  |  | 36,357 |  |  | 51,267 |  |  | 25,199 |  |  | 294 |  |  | 1,353,204 |
Ending balance | $ | 197,508 |  |  | $ | 196,774 |  |  | $ | 418,137 |  |  | $ | 59,023 |  |  | $ | 374,371 |  |  | $ | 36,574 |  |  | $ | 51,267 |  |  | $ | 25,596 |  |  | $ | 294 |  |  | $ | 1,359,544 |
December 31, 2016 | Commercial and industrial |  | Construction and development |  | Commercial real estate |  | Farmland |  | 1-4 family residential |  | Multi-family residential |  | Consumer |  | Agricultural |  | Overdrafts |  | Total
Allowance for loan losses: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Beginning balance | $ | 1,878 |  |  | $ | 1,004 |  |  | $ | 2,106 |  |  | $ | 400 |  |  | $ | 2,839 |  |  | $ | 325 |  |  | $ | 562 |  |  | $ | 138 |  |  | $ | 11 |  |  | $ | 9,263 |
Provision for loan losses | 910 |  |  | 162 |  |  | 1,158 |  |  | 82 |  |  | 1,117 |  |  | (44 | ) |  | 171 |  |  | 15 |  |  | 69 |  |  | 3,640 |
Loans charged-off | (1,213 | ) |  | (9 | ) |  | — |  |  | — |  |  | (71 | ) |  | — |  |  | (269 | ) |  | — |  |  | (200 | ) |  | (1,762 | )
Recoveries | 17 |  |  | 4 |  |  | — |  |  | — |  |  | 75 |  |  | — |  |  | 121 |  |  | — |  |  | 126 |  |  | 343 |
Ending balance | $ | 1,592 |  |  | $ | 1,161 |  |  | $ | 3,264 |  |  | $ | 482 |  |  | $ | 3,960 |  |  | $ | 281 |  |  | $ | 585 |  |  | $ | 153 |  |  | $ | 6 |  |  | $ | 11,484 |
Allowance ending balance: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Individually evaluated for impairment | $ | 64 |  |  | $ | — |  |  | $ | — |  |  | $ | 47 |  |  | $ | 108 |  |  | $ | — |  |  | $ | 34 |  |  | $ | — |  |  | $ | — |  |  | $ | 253 |
Collectively evaluated for impairment | 1,528 |  |  | 1,161 |  |  | 3,264 |  |  | 435 |  |  | 3,852 |  |  | 281 |  |  | 551 |  |  | 153 |  |  | 6 |  |  | 11,231 |
Ending balance | $ | 1,592 |  |  | $ | 1,161 |  |  | $ | 3,264 |  |  | $ | 482 |  |  | $ | 3,960 |  |  | $ | 281 |  |  | $ | 585 |  |  | $ | 153 |  |  | $ | 6 |  |  | $ | 11,484 |
Loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Individually evaluated for impairment | $ | 231 |  |  | $ | 1,825 |  |  | $ | 1,196 |  |  | $ | 258 |  |  | $ | 2,588 |  |  | $ | 5 |  |  | $ | 200 |  |  | $ | 15 |  |  | $ | — |  |  | $ | 6,318 |
Collectively evaluated for impairment | 223,481 |  |  | 127,806 |  |  | 366,881 |  |  | 62,108 |  |  | 359,077 |  |  | 26,074 |  |  | 52,977 |  |  | 18,886 |  |  | 317 |  |  | 1,237,607 |
Ending balance | $ | 223,712 |  |  | $ | 129,631 |  |  | $ | 368,077 |  |  | $ | 62,366 |  |  | $ | 361,665 |  |  | $ | 26,079 |  |  | $ | 53,177 |  |  | $ | 18,901 |  |  | $ | 317 |  |  | $ | 1,243,925 |
Summary of Credit Exposure by Internally Assigned Grade | The following is a discussion of the primary credit quality indicators most closely monitored for the respective portfolio segment classes:
Commercial and industrial: |  | In assessing risk associated with commercial loans, management considers the business’s cash flow and the value of the underlying collateral to be the primary credit quality indicators.
Construction and development: |  | In assessing the credit quality of construction loans, management considers the ability of the borrower to finance principal and interest payments in the event that he is unable to sell the completed structure to be a primary credit quality indicator. For real estate development loans, management also considers the likelihood of the successful sale of the constructed properties in the development.
Commercial real estate: |  | Management considers the strength of the borrower’s cash flows, changes in property values and occupancy status to be key credit quality indicators of commercial real estate loans.
Farmland: |  | In assessing risk associated with farmland loans, management considers the borrower’s cash flows and underlying property values to be key credit quality indicators.
Consumer: |  | Management considers the debt to income ratio of the borrower, the borrower’s credit history, the availability of other credit to the borrower, the borrower’s past-due history, and, if applicable, the value of the underlying collateral to be primary credit quality indicators.
1-4 family residential: |  | Management considers changes in the local economy, changes in property values, and changes in local unemployment rates to be key credit quality indicators of the loans in the 1-4 family residential loan segment.
Multi-family residential: |  | Management considers changes in the local economy, changes in property values, vacancy rates and changes in local unemployment rates to be key credit quality indicators of the loans in the multifamily loan segment.
Agricultural: |  | In assessing risk associated with agricultural loans, management considers the borrower’s cash flows, the value of the underlying collateral and sources of secondary repayment to be primary credit quality indicators.
The following tables summarize the credit exposure in the Company's consumer and commercial loan portfolios as of:
December 31, 2018 | Commercial and industrial |  | Construction and development |  | Commercial real estate |  | Farmland |  | 1-4 family residential |  | Multi-family residential |  | Consumer and Overdrafts |  | Agricultural |  | Total
Grade: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | $ | 260,863 |  |  | $ | 236,253 |  |  | $ | 569,648 |  |  | $ | 67,541 |  |  | $ | 391,956 |  |  | $ | 38,386 |  |  | $ | 55,055 |  |  | $ | 22,713 |  |  | $ | 1,642,415 |
Special mention | 224 |  |  | — |  |  | 5,691 |  |  | 49 |  |  | 514 |  |  | — |  |  | 48 |  |  | 115 |  |  | 6,641 |
Substandard | 692 |  |  | 1,250 |  |  | 7,180 |  |  | 255 |  |  | 597 |  |  | — |  |  | 56 |  |  | 449 |  |  | 10,479 |
Doubtful | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Total | $ | 261,779 |  |  | $ | 237,503 |  |  | $ | 582,519 |  |  | $ | 67,845 |  |  | $ | 393,067 |  |  | $ | 38,386 |  |  | $ | 55,159 |  |  | $ | 23,277 |  |  | $ | 1,659,535 |
December 31, 2017 | Commercial and industrial |  | Construction and development |  | Commercial real estate |  | Farmland |  | 1-4 family residential |  | Multi-family residential |  | Consumer and Overdrafts |  | Agricultural |  | Total
Grade: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | $ | 196,890 |  |  | $ | 196,515 |  |  | $ | 412,488 |  |  | $ | 58,623 |  |  | $ | 373,154 |  |  | $ | 16,073 |  |  | $ | 51,409 |  |  | $ | 24,650 |  |  | $ | 1,329,802 |
Special mention | 348 |  |  | 259 |  |  | 1,135 |  |  | 226 |  |  | 442 |  |  | 20,284 |  |  | 65 |  |  | 454 |  |  | 23,213 |
Substandard | 270 |  |  | — |  |  | 4,514 |  |  | 174 |  |  | 775 |  |  | 217 |  |  | 87 |  |  | 492 |  |  | 6,529 |
Doubtful | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Total | $ | 197,508 |  |  | $ | 196,774 |  |  | $ | 418,137 |  |  | $ | 59,023 |  |  | $ | 374,371 |  |  | $ | 36,574 |  |  | $ | 51,561 |  |  | $ | 25,596 |  |  | $ | 1,359,544 |
Summary of Payment Status of Loans | The following table summarizes the payment status of loans in the Company’s total loan portfolio, including an aging of delinquent loans, loans 90 days or more past due continuing to accrue interest and loans classified as nonperforming as of:
December 31, 2018 | 30 – 59 Days Past Due |  | 60 – 89 Days Past Due |  | 90 Days and Greater Past Due |  | Total Past Due |  | Current |  | Total Loans |  | Recorded Investment > 90 Days and Accruing
Commercial and industrial | $ | 209 |  |  | $ | 493 |  |  | $ | 266 |  |  | $ | 968 |  |  | $ | 260,811 |  |  | $ | 261,779 |  |  | $ | — |
Real estate: |  |  |  |  |  |  |  |  |  |  |  |  |
Construction and development | 735 |  |  | 2,816 |  |  | — |  |  | 3,551 |  |  | 233,952 |  |  | 237,503 |  |  | — |
Commercial real estate | 1,803 |  |  | 3 |  |  | 3,227 |  |  | 5,033 |  |  | 577,486 |  |  | 582,519 |  |  | — |
Farmland | 485 |  |  | — |  |  | — |  |  | 485 |  |  | 67,360 |  |  | 67,845 |  |  | — |
1-4 family residential | 2,849 |  |  | 666 |  |  | 596 |  |  | 4,111 |  |  | 388,956 |  |  | 393,067 |  |  | — |
Multi-family residential | — |  |  | — |  |  | — |  |  | — |  |  | 38,386 |  |  | 38,386 |  |  | — |
Consumer | 526 |  |  | 51 |  |  | 56 |  |  | 633 |  |  | 54,144 |  |  | 54,777 |  |  | — |
Agricultural | 105 |  |  | 59 |  |  | 41 |  |  | 205 |  |  | 23,072 |  |  | 23,277 |  |  | — |
Overdrafts | — |  |  | — |  |  | — |  |  | — |  |  | 382 |  |  | 382 |  |  | — |
Total | $ | 6,712 |  |  | $ | 4,088 |  |  | $ | 4,186 |  |  | $ | 14,986 |  |  | $ | 1,644,549 |  |  | $ | 1,659,535 |  |  | $ | — |
December 31, 2017 | 30 – 59 Days Past Due |  | 60 – 89 Days Past Due |  | 90 Days and Greater Past Due |  | Total Past Due |  | Current |  | Total Loans |  | Recorded Investment > 90 Days and Accruing
Commercial and industrial | $ | 1,273 |  |  | $ | 93 |  |  | $ | 17 |  |  | $ | 1,383 |  |  | $ | 196,125 |  |  | $ | 197,508 |  |  | $ | — |
Real estate: |  |  |  |  |  |  |  |  |  |  |  |  |
Construction and development | 117 |  |  | — |  |  | — |  |  | 117 |  |  | 196,657 |  |  | 196,774 |  |  | — |
Commercial real estate | 192 |  |  | 265 |  |  | 1,067 |  |  | 1,524 |  |  | 416,613 |  |  | 418,137 |  |  | — |
Farmland | 139 |  |  | — |  |  | 6 |  |  | 145 |  |  | 58,878 |  |  | 59,023 |  |  | — |
1-4 family residential | 3,998 |  |  | 416 |  |  | 800 |  |  | 5,214 |  |  | 369,157 |  |  | 374,371 |  |  | — |
Multi-family residential | — |  |  | — |  |  | 217 |  |  | 217 |  |  | 36,357 |  |  | 36,574 |  |  | — |
Consumer | 381 |  |  | 69 |  |  | 87 |  |  | 537 |  |  | 50,730 |  |  | 51,267 |  |  | — |
Agricultural | 204 |  |  | 2 |  |  | — |  |  | 206 |  |  | 25,390 |  |  | 25,596 |  |  | — |
Overdrafts | — |  |  | — |  |  | — |  |  | — |  |  | 294 |  |  | 294 |  |  | — |
Total | $ | 6,304 |  |  | $ | 845 |  |  | $ | 2,194 |  |  | $ | 9,343 |  |  | $ | 1,350,201 |  |  | $ | 1,359,544 |  |  | $ | — |
Schedule of Nonaccrual Loans | The following table presents the nonaccrual loans by category as of December 31:
| 2018 |  | 2017
Commercial and industrial | $ | 366 |  |  | $ | 77 |
Real estate: |  |  |
Construction and development | — |  |  | — |
Commercial real estate | 3,700 |  |  | 1,422 |
Farmland | 140 |  |  | 163 |
1-4 family residential | 1,567 |  |  | 1,937 |
Multi-family residential | — |  |  | 217 |
Consumer | 66 |  |  | 138 |
Agricultural | 52 |  |  | 50 |
Total | $ | 5,891 |  |  | $ | 4,004 |
Summary of Troubled Debt Restructuring | The outstanding balances of TDRs are shown below at December 31:
| 2018 |  | 2017
Nonaccrual TDRs | $ | 335 |  |  | $ | — |
Performing TDRs | 861 |  |  | 657 |
Total | $ | 1,196 |  |  | $ | 657 |
Specific reserves on TDRs | $ | — |  |  | $ | 17 |
The following tables present loans by class modified as TDRs that occurred during the years ended:
December 31, 2018 | Number of Contracts |  | Pre-Modification Outstanding Recorded Investment |  | Post-Modification Outstanding Recorded Investment
Troubled Debt Restructurings: |  |  |  |  |
1-4 family residential | 3 |  |  | $ | 504 |  |  | $ | 504 |
Agricultural | 1 |  |  | 78 |  |  | 78 |
Total | 4 |  |  | $ | 582 |  |  | $ | 582 |
There was one TDR that subsequently defaulted in 2018, therefore remains on nonaccrual status. The TDRs described above did no t increase the allowance for loan losses and resulted in no charge-offs during the year ended December 31, 2018.
December 31, 2017 | Number of Contracts |  | Pre-Modification Outstanding Recorded Investment |  | Post-Modification Outstanding Recorded Investment
Troubled Debt Restructurings: |  |  |  |  |
Commercial and industrial | 2 |  |  | $ | 381 |  |  | $ | 364 |
1-4 family residential | 1 |  |  | 11 |  |  | 11 |
Total | 3 |  |  | $ | 392 |  |  | $ | 375 |
Summary of Impaired Loans | The following table presents information about the Company’s impaired loans as of:
December 31, 2018 | Unpaid Principal Balance |  | Recorded Investment |  | Related Allowance |  | Average Recorded Investment
With no related allowance recorded: |  |  |  |  |  |  |
Commercial and industrial | $ | 837 |  |  | $ | 837 |  |  | $ | — |  |  | $ | 842 |
Real estate: |  |  |  |  |  |  |
Construction and development | 720 |  |  | 720 |  |  | — |  |  | 518 |
Commercial real estate | 5,168 |  |  | 5,168 |  |  | — |  |  | 5,138 |
Farmland | — |  |  | — |  |  | — |  |  | 62 |
1-4 family residential | 1,223 |  |  | 1,223 |  |  | — |  |  | 1,132 |
Multi-family residential | — |  |  | — |  |  | — |  |  | 54 |
Consumer | — |  |  | — |  |  | — |  |  | — |
Agricultural | 408 |  |  | 408 |  |  | — |  |  | 456 |
Subtotal | 8,356 |  |  | 8,356 |  |  | — |  |  | 8,202 |
With allowance recorded: |  |  |  |  |  |  |
Commercial and industrial | 185 |  |  | 185 |  |  | 64 |  |  | 300 |
Real estate: |  |  |  |  |  |  |
Construction and development | 530 |  |  | 530 |  |  | 4 |  |  | 44 |
Commercial real estate | 1,985 |  |  | 1,985 |  |  | 341 |  |  | 677 |
Farmland | 140 |  |  | 140 |  |  | 78 |  |  | 147 |
1-4 family residential | 160 |  |  | 160 |  |  | 6 |  |  | 128 |
Multi-family residential | — |  |  | — |  |  | — |  |  | — |
Consumer | — |  |  | — |  |  | — |  |  | — |
Agricultural | — |  |  | — |  |  | — |  |  | 52 |
Subtotal | 3,000 |  |  | 3,000 |  |  | 493 |  |  | 1,348 |
Total | $ | 11,356 |  |  | $ | 11,356 |  |  | $ | 493 |  |  | $ | 9,550 |
The following table presents information about the Company’s impaired loans as of December 31, 2017:
December 31, 2017 | Recorded Investment |  | Unpaid Principal Balance |  | Related Allowance |  | Average Recorded Investment
With no related allowance recorded: |  |  |  |  |  |  |
Commercial and industrial | $ | 437 |  |  | $ | 437 |  |  | $ | — |  |  | $ | 434 |
Real estate: |  |  |  |  |  |  |
Construction and development | — |  |  | — |  |  | — |  |  | 311 |
Commercial real estate | 3,979 |  |  | 3,979 |  |  | — |  |  | 4,230 |
Farmland | 6 |  |  | 6 |  |  | — |  |  | 90 |
1-4 family residential | 681 |  |  | 681 |  |  | — |  |  | 1,096 |
Multi-family residential | 217 |  |  | 217 |  |  | — |  |  | 180 |
Consumer | — |  |  | — |  |  | — |  |  | 61 |
Agricultural | 397 |  |  | 397 |  |  | — |  |  | 384 |
Subtotal | 5,717 |  |  | 5,717 |  |  | — |  |  | 6,786 |
With allowance recorded: |  |  |  |  |  |  |
Commercial and industrial | 26 |  |  | 26 |  |  | 17 |  |  | 315 |
Real estate: |  |  |  |  |  |  |
Construction and development | — |  |  | — |  |  | — |  |  | 7 |
Commercial real estate | 279 |  |  | 279 |  |  | 27 |  |  | 505 |
Farmland | 157 |  |  | 157 |  |  | 85 |  |  | 131 |
1-4 family residential | 161 |  |  | 161 |  |  | 5 |  |  | 754 |
Multi-family residential | — |  |  | — |  |  | — |  |  | 19 |
Consumer | — |  |  | — |  |  | — |  |  | 42 |
Agricultural | — |  |  | — |  |  | — |  |  | 180 |
Subtotal | 623 |  |  | 623 |  |  | 134 |  |  | 1,953 |
Total | $ | 6,340 |  |  | $ | 6,340 |  |  | $ | 134 |  |  | $ | 8,739 |

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