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LOANS AND ALLOWANCE FOR LOAN LOSSES (Tables) | 12 Months Ended
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Dec. 31, 2019
Receivables [Abstract] |
Summary of Loan Portfolio by Type of Loan | The following table summarizes our loan portfolio by type of loan at December 31:
|  | 2019 |  |  | 2018 |
Commercial and industrial |  | $ | 279,583 |  |  | $ | 261,779 |
Real estate: |  |  |  |  |  |  |  |
Construction and development |  |  | 280,498 |  |  |  | 237,503 |
Commercial real estate |  |  | 567,360 |  |  |  | 582,519 |
Farmland |  |  | 57,476 |  |  |  | 67,845 |
1-4 family residential |  |  | 412,166 |  |  |  | 393,067 |
Multi-family residential |  |  | 37,379 |  |  |  | 38,386 |
Consumer |  |  | 53,245 |  |  |  | 54,777 |
Agricultural |  |  | 18,359 |  |  |  | 23,277 |
Overdrafts |  |  | 329 |  |  |  | 382 |
Total loans |  |  | 1,706,395 |  |  |  | 1,659,535 |
Net of: |  |  |  |  |  |  |  |
Deferred loan costs |  |  | 601 |  |  |  | 560 |
Allowance for loan losses |  |  | (16,202 | ) |  |  | (14,651 | )
Total net loans |  | $ | 1,690,794 |  |  | $ | 1,645,444 |
Schedule of Related Party Loans Receivable | Loans to principal officers, directors, and their affiliates during the year ended December 31, 2019, was as follows:
Beginning balance |  | $ | 56,199 |
New loans |  |  | 46,419 |
Effect of changes in composition of related parties |  |  | (17,516 | )
Repayments |  |  | (51,439 | )
Ending balance |  | $ | 33,663 |
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, 2019, 2018 and 2017:
For the Year Ended December 31, 2019 |  | 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 |  | $ | 1,751 |  |  | $ | 1,920 |  |  | $ | 6,025 |  |  | $ | 643 |  |  | $ | 2,868 |  |  | $ | 631 |  |  | $ | 565 |  |  | $ | 238 |  |  | $ | 10 |  |  | $ | 14,651 |
Provision for loan losses |  |  | (117 | ) |  |  | 458 |  |  |  | 827 |  |  |  | (73 | ) |  |  | 268 |  |  |  | (222 | ) |  |  | (2 | ) |  |  | (41 | ) |  |  | 152 |  |  |  | 1,250 |
Loans charged-off |  |  | (86 | ) |  |  | — |  |  |  | — |  |  |  | — |  |  |  | (14 | ) |  |  | — |  |  |  | (72 | ) |  |  | (89 | ) |  |  | (192 | ) |  |  | (453 | )
Recoveries |  |  | 508 |  |  |  | — |  |  |  | 1 |  |  |  | — |  |  |  | 3 |  |  |  | — |  |  |  | 111 |  |  |  | 89 |  |  |  | 42 |  |  |  | 754 |
Ending balance |  | $ | 2,056 |  |  | $ | 2,378 |  |  | $ | 6,853 |  |  | $ | 570 |  |  | $ | 3,125 |  |  | $ | 409 |  |  | $ | 602 |  |  | $ | 197 |  |  | $ | 12 |  |  | $ | 16,202 |
Allowance ending balance: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Individually evaluated for impairment |  | $ | — |  |  | $ | — |  |  | $ | 1,587 |  |  | $ | 62 |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | 1,649 |
Collectively evaluated for impairment |  |  | 2,008 |  |  |  | 2,322 |  |  |  | 5,486 |  |  |  | 495 |  |  |  | 3,050 |  |  |  | 400 |  |  |  | 588 |  |  |  | 192 |  |  |  | 12 |  |  |  | 14,553 |
Ending balance |  | $ | 2,008 |  |  | $ | 2,322 |  |  | $ | 7,073 |  |  | $ | 557 |  |  | $ | 3,050 |  |  | $ | 400 |  |  | $ | 588 |  |  | $ | 192 |  |  | $ | 12 |  |  | $ | 16,202 |
Loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Individually evaluated for impairment |  | $ | 289 |  |  | $ | 1,212 |  |  | $ | 17,483 |  |  | $ | 133 |  |  | $ | 2,498 |  |  | $ | — |  |  | $ | — |  |  | $ | 62 |  |  | $ | — |  |  | $ | 21,677 |
Collectively evaluated for impairment |  |  | 279,294 |  |  | $ | 279,286 |  |  |  | 549,877 |  |  |  | 57,343 |  |  |  | 409,668 |  |  |  | 37,379 |  |  |  | 53,245 |  |  |  | 18,297 |  |  |  | 329 |  |  |  | 1,684,718 |
Ending balance |  | $ | 279,583 |  |  | $ | 280,498 |  |  | $ | 567,360 |  |  | $ | 57,476 |  |  | $ | 412,166 |  |  | $ | 37,379 |  |  | $ | 53,245 |  |  | $ | 18,359 |  |  | $ | 329 |  |  | $ | 1,706,395 |
For the Year Ended 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 |
For the Year Ended 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 |
Summary of Credit Exposure by Internally Assigned Grade | The following tables summarize the credit exposure in the Company's consumer and commercial loan portfolios as of:
December 31, 2019 |  | Commercial and industrial |  |  | Construction and development |  |  | Commercial real estate |  |  | Farmland |  |  | 1-4 family residential |  |  | Multi-family residential |  |  | Consumer and Overdrafts |  |  | Agricultural |  |  | Total |
Grade: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass |  | $ | 279,217 |  |  | $ | 278,679 |  |  | $ | 548,662 |  |  | $ | 57,152 |  |  | $ | 409,896 |  |  | $ | 37,379 |  |  | $ | 53,327 |  |  | $ | 18,101 |  |  | $ | 1,682,413 |
Special mention |  |  | 153 |  |  |  | 600 |  |  |  | 1,071 |  |  |  | 91 |  |  |  | 1,425 |  |  |  | — |  |  |  | 192 |  |  |  | 126 |  |  |  | 3,658 |
Substandard |  |  | 213 |  |  |  | 1,219 |  |  |  | 17,627 |  |  |  | 233 |  |  |  | 845 |  |  |  | — |  |  |  | 55 |  |  |  | 132 |  |  |  | 20,324 |
Total |  | $ | 279,583 |  |  | $ | 280,498 |  |  | $ | 567,360 |  |  | $ | 57,476 |  |  | $ | 412,166 |  |  | $ | 37,379 |  |  | $ | 53,574 |  |  | $ | 18,359 |  |  | $ | 1,706,395 |
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 |
Total |  | $ | 261,779 |  |  | $ | 237,503 |  |  | $ | 582,519 |  |  | $ | 67,845 |  |  | $ | 393,067 |  |  | $ | 38,386 |  |  | $ | 55,159 |  |  | $ | 23,277 |  |  | $ | 1,659,535 |
Summary of Payment Status of Loans | The following tables summarize the payment status of loans in the Company’s total loan portfolio, including an aging of delinquent loans and loans 90 days or more past due continuing to accrue interest as of:
December 31, 2019 |  | 30 to 59 Days Past Due |  |  | 60 to 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 |  | $ | 321 |  |  | $ | 53 |  |  | $ | 15 |  |  | $ | 389 |  |  | $ | 279,194 |  |  | $ | 279,583 |  |  | $ | — |
Real estate: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Construction and development |  |  | 161 |  |  |  | — |  |  |  | — |  |  |  | 161 |  |  |  | 280,337 |  |  |  | 280,498 |  |  |  | — |
Commercial real estate |  |  | 1,181 |  |  |  | 49 |  |  |  | 882 |  |  |  | 2,112 |  |  |  | 565,248 |  |  |  | 567,360 |  |  |  | — |
Farmland |  |  | 103 |  |  |  | — |  |  |  | — |  |  |  | 103 |  |  |  | 57,373 |  |  |  | 57,476 |  |  |  | — |
1-4 family residential |  |  | 2,514 |  |  |  | 1,433 |  |  |  | 845 |  |  |  | 4,792 |  |  |  | 407,374 |  |  |  | 412,166 |  |  |  | — |
Multi-family residential |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 37,379 |  |  |  | 37,379 |  |  |  | — |
Consumer |  |  | 373 |  |  |  | 152 |  |  |  | 96 |  |  |  | 621 |  |  |  | 52,624 |  |  |  | 53,245 |  |  |  | — |
Agricultural |  |  | 51 |  |  |  | 67 |  |  |  | — |  |  |  | 118 |  |  |  | 18,241 |  |  |  | 18,359 |  |  |  | — |
Overdrafts |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 329 |  |  |  | 329 |  |  |  | — |
Total |  | $ | 4,704 |  |  | $ | 1,754 |  |  | $ | 1,838 |  |  | $ | 8,296 |  |  | $ | 1,698,099 |  |  | $ | 1,706,395 |  |  | $ | — |
December 31, 2018 |  | 30 to 59 Days Past Due |  |  | 60 to 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 |  |  | $ | — |
Schedule of Nonaccrual Loans | The following table presents information regarding nonaccrual loans as of:
|  | 2019 |  |  | 2018 |
Commercial and industrial |  | $ | 46 |  |  | $ | 366 |
Real estate: |  |  |  |  |  |  |  |
Construction and development |  |  | — |  |  |  | — |
Commercial real estate |  |  | 6,860 |  |  |  | 3,700 |
Farmland |  |  | 182 |  |  |  | 140 |
1-4 family residential |  |  | 3,853 |  |  |  | 1,567 |
Multi-family residential |  |  | — |  |  |  | — |
Consumer |  |  | 279 |  |  |  | 66 |
Agricultural |  |  | 42 |  |  |  | 52 |
Total |  | $ | 11,262 |  |  | $ | 5,891 |
Summary of Troubled Debt Restructuring | The outstanding balances of TDRs are shown below at December 31:
|  | 2019 |  |  | 2018 |
Nonaccrual TDRs |  | $ | 101 |  |  | $ | 335 |
Performing TDRs |  |  | 7,240 |  |  |  | 861 |
Total |  | $ | 7,341 |  |  | $ | 1,196 |
Specific reserves on TDRs |  | $ | 164 |  |  | $ | — |
The following tables present loans by class, modified as TDRs, that occurred during the years ended:
December 31, 2019 |  | Number of Contracts |  |  | Pre-Modification Outstanding Recorded Investment |  |  | Post-Modification Outstanding Recorded Investment |
Troubled Debt Restructurings: |  |  |  |  |  |  |  |  |  |  |  |
Commercial real estate |  |  | 4 |  |  | $ | 1,680 |  |  | $ | 1,515 |
Total |  |  | 4 |  |  | $ | 1,680 |  |  | $ | 1,515 |
There were two TDRs that subsequently defaulted during 2019, therefore remain on nonaccrual status. The TDRs described above did not increase the allowance for loan losses and resulted in no charge-offs during the year ended December 31, 2019.
December 31, 2018 |  | Number of Contracts |  |  | Pre-Modification Outstanding Recorded Investment |  |  | Post-Modification Outstanding Recorded Investment |
Troubled Debt Restructurings: |  |  |  |  |  |  |  |  |  |  |  |
Commercial and industrial |  |  | 3 |  |  | $ | 504 |  |  | $ | 504 |
1-4 family residential |  |  | 1 |  |  |  | 78 |  |  |  | 78 |
Total |  |  | 4 |  |  | $ | 582 |  |  | $ | 582 |
Summary of Impaired Loans | The following table presents information about the Company’s impaired loans as of:
December 31, 2019 |  | Unpaid Principal Balance |  |  | Recorded Investment |  |  | Related Allowance |  |  | Average Recorded Investment |
With no related allowance recorded: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial and industrial |  | $ | 289 |  |  | $ | 289 |  |  | $ | — |  |  | $ | 312 |
Real estate: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Construction and development |  |  | 1,212 |  |  |  | 1,212 |  |  |  | — |  |  |  | 1,259 |
Commercial real estate |  |  | 4,612 |  |  |  | 4,612 |  |  |  | — |  |  |  | 4,244 |
Farmland |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
1-4 family residential |  |  | 2,498 |  |  |  | 2,498 |  |  |  | — |  |  |  | 1,798 |
Multi-family residential |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Consumer |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Agricultural |  |  | 62 |  |  |  | 62 |  |  |  | — |  |  |  | 190 |
Subtotal |  |  | 8,673 |  |  |  | 8,673 |  |  |  | — |  |  |  | 7,803 |
With allowance recorded: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial and industrial |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 61 |
Real estate: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Construction and development |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Commercial real estate |  |  | 12,871 |  |  |  | 12,871 |  |  |  | 1,587 |  |  |  | 9,111 |
Farmland |  |  | 133 |  |  |  | 133 |  |  |  | 62 |  |  |  | 135 |
1-4 family residential |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 78 |
Multi-family residential |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Consumer |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Agricultural |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Subtotal |  |  | 13,004 |  |  |  | 13,004 |  |  |  | 1,649 |  |  |  | 9,385 |
Total |  | $ | 21,677 |  |  | $ | 21,677 |  |  | $ | 1,649 |  |  | $ | 17,188 |
The following table presents information about the Company’s impaired loans as of December 31, 2018:
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 |

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