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Loans and Allowance for Loan Losses (Tables) | 6 Months Ended
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Jun. 30, 2018
Receivables [Abstract] |
Schedule Of Composition Of Loans | The composition of loans at June 30, 2018 and December 31, 2017 was as follows:
|  | June 30, |  | December 31,
|  | 2018 |  | 2017
|  | (in thousands)
Mortgage loans on real estate: |  |  |  |
Construction and land development |  | $ | 52,101 |  |  | $ | 43,786 |
Secured by farmland |  | 6,769 |  |  | 8,568 |
Secured by 1-4 family residential properties |  | 221,581 |  |  | 223,210 |
Multifamily |  | 4,100 |  |  | 4,095 |
Commercial |  | 244,253 |  |  | 239,915 |
Commercial and industrial loans |  | 39,875 |  |  | 37,427 |
Consumer installment loans |  | 9,484 |  |  | 10,187 |
All other loans |  | 9,119 |  |  | 2,050 |
Total loans |  | $ | 587,282 |  |  | $ | 569,238 |
Net deferred loan fees |  | (444 | ) |  | (421 | )
Allowance for loan losses |  | (4,548 | ) |  | (4,411 | )
Net Loans |  | $ | 582,290 |  |  | $ | 564,406 |
Changes In Allowance For Loan Losses | Changes in the allowance for loan losses for the six months ended June 30, 2018 and 2017 and the year ended December 31, 2017 were as follows:
| Six Months Ended |  | Year Ended |  | Six Months Ended
| June 30, |  | December 31, |  | June 30,
| 2018 |  | 2017 |  | 2017
|  |  | (in thousands) |  |
Balance, beginning | $ | 4,411 |  |  | $ | 4,505 |  |  | $ | 4,505 |
Provision for (recovery of) loan losses | 108 |  |  | (625 | ) |  | (757 | )
Recoveries added to the allowance | 197 |  |  | 901 |  |  | 799 |
Loan losses charged to the allowance | (168 | ) |  | (370 | ) |  | (140 | )
Balance, ending | $ | 4,548 |  |  | $ | 4,411 |  |  | $ | 4,407 |
Nonaccrual And Past Due Loans By Class | Nonaccrual and past due loans by class at June 30, 2018 and December 31, 2017 were as follows:
| June 30, 2018
| (in thousands)
| 30 - 59 Days Past Due |  | 60 - 89 Days Past Due |  | 90 or More Days Past Due |  | Total Past Due |  | Current |  | Total Loans |  | 90 or More Days Past Due Still Accruing |  | Nonaccrual Loans
Commercial - Non Real Estate: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial & Industrial | $ | — |  |  | $ | 10 |  |  | $ | — |  |  | $ | 10 |  |  | $ | 39,865 |  |  | $ | 39,875 |  |  | $ | — |  |  | $ | 148 |
Commercial Real Estate: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Owner Occupied | 210 |  |  | — |  |  | — |  |  | 210 |  |  | 135,186 |  |  | 135,396 |  |  | — |  |  | — |
Non-owner occupied | 674 |  |  | — |  |  | — |  |  | 674 |  |  | 108,183 |  |  | 108,857 |  |  | — |  |  | 383 |
Construction and Farmland: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Residential | — |  |  | — |  |  | — |  |  | — |  |  | 7,601 |  |  | 7,601 |  |  | — |  |  | — |
Commercial | — |  |  | 12 |  |  | — |  |  | 12 |  |  | 51,257 |  |  | 51,269 |  |  | — |  |  | — |
Consumer: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Installment | 17 |  |  | — |  |  | — |  |  | 17 |  |  | 9,467 |  |  | 9,484 |  |  | — |  |  | 1 |
Residential: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Equity Lines | — |  |  | — |  |  | — |  |  | — |  |  | 31,126 |  |  | 31,126 |  |  | — |  |  | 89 |
Single family | 334 |  |  | 69 |  |  | 152 |  |  | 555 |  |  | 189,900 |  |  | 190,455 |  |  | — |  |  | 478 |
Multifamily | — |  |  | — |  |  | — |  |  | — |  |  | 4,100 |  |  | 4,100 |  |  | — |  |  | — |
All Other Loans | — |  |  | — |  |  | — |  |  | — |  |  | 9,119 |  |  | 9,119 |  |  | — |  |  | — |
Total | $ | 1,235 |  |  | $ | 91 |  |  | $ | 152 |  |  | $ | 1,478 |  |  | $ | 585,804 |  |  | $ | 587,282 |  |  | $ | — |  |  | $ | 1,099 |
| December 31, 2017
| (in thousands)
| 30 - 59 Days Past Due |  | 60 - 89 Days Past Due |  | 90 or More Days Past Due |  | Total Past Due |  | Current |  | Total Loans |  | 90 or More Past Due Still Accruing |  | Nonaccrual Loans
Commercial - Non Real Estate: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial & Industrial | $ | 75 |  |  | $ | 10 |  |  | $ | 142 |  |  | $ | 227 |  |  | $ | 37,200 |  |  | $ | 37,427 |  |  | $ | — |  |  | $ | 594 |
Commercial Real Estate: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Owner Occupied | — |  |  | — |  |  | — |  |  | — |  |  | 127,018 |  |  | 127,018 |  |  | — |  |  | — |
Non-owner occupied | — |  |  | 368 |  |  | — |  |  | 368 |  |  | 112,529 |  |  | 112,897 |  |  | — |  |  | 767 |
Construction and Farmland: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Residential | — |  |  | — |  |  | — |  |  | — |  |  | 3,214 |  |  | 3,214 |  |  | — |  |  | — |
Commercial | 187 |  |  | — |  |  | — |  |  | 187 |  |  | 48,953 |  |  | 49,140 |  |  | — |  |  | — |
Consumer: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Installment | 17 |  |  | — |  |  | 2 |  |  | 19 |  |  | 10,168 |  |  | 10,187 |  |  | — |  |  | 13 |
Residential: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Equity Lines | 18 |  |  | — |  |  | — |  |  | 18 |  |  | 32,820 |  |  | 32,838 |  |  | — |  |  | 44 |
Single family | 829 |  |  | 572 |  |  | 4,060 |  |  | 5,461 |  |  | 184,911 |  |  | 190,372 |  |  | — |  |  | 4,921 |
Multifamily | — |  |  | — |  |  | — |  |  | — |  |  | 4,095 |  |  | 4,095 |  |  | — |  |  | — |
All Other Loans | — |  |  | — |  |  | — |  |  | — |  |  | 2,050 |  |  | 2,050 |  |  | — |  |  | — |
Total | $ | 1,126 |  |  | $ | 950 |  |  | $ | 4,204 |  |  | $ | 6,280 |  |  | $ | 562,958 |  |  | $ | 569,238 |  |  | $ | — |  |  | $ | 6,339 |
Allowance For Loan Losses By Segment | Allowance for loan losses by segment at June 30, 2018 and December 31, 2017 were as follows:
| As of and For the Six Months Ended
| June 30, 2018
| (in thousands)
| Construction and Farmland |  | Residential |  | Commercial Real Estate |  | Commercial - Non Real Estate |  | Consumer |  | All Other Loans |  | Unallocated |  | Total
Allowance for credit losses: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Beginning Balance | $ | 332 |  |  | $ | 1,754 |  |  | $ | 1,627 |  |  | $ | 570 |  |  | $ | 69 |  |  | $ | 29 |  |  | $ | 30 |  |  | $ | 4,411 |
Charge-Offs | — |  |  | — |  |  | — |  |  | (122 | ) |  | (24 | ) |  | (22 | ) |  | — |  |  | (168 | )
Recoveries | 20 |  |  | 15 |  |  | 73 |  |  | 72 |  |  | 11 |  |  | 6 |  |  | — |  |  | 197 |
(Recovery of) provision for loan losses | 29 |  |  | (79 | ) |  | (43 | ) |  | (149 | ) |  | 1 |  |  | 91 |  |  | 258 |  |  | 108 |
Ending balance | $ | 381 |  |  | $ | 1,690 |  |  | $ | 1,657 |  |  | $ | 371 |  |  | $ | 57 |  |  | $ | 104 |  |  | $ | 288 |  |  | $ | 4,548 |
Ending balance: Individually evaluated for impairment | $ | — |  |  | $ | 162 |  |  | $ | 57 |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | 219 |
Ending balance: collectively evaluated for impairment | $ | 381 |  |  | $ | 1,528 |  |  | $ | 1,600 |  |  | $ | 371 |  |  | $ | 57 |  |  | $ | 104 |  |  | $ | 288 |  |  | $ | 4,329 |
Loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Ending balance | $ | 58,870 |  |  | $ | 225,681 |  |  | $ | 244,253 |  |  | $ | 39,875 |  |  | $ | 9,484 |  |  | $ | 9,119 |  |  | $ | — |  |  | $ | 587,282 |
Ending balance individually evaluated for impairment | $ | 298 |  |  | $ | 3,767 |  |  | $ | 1,505 |  |  | $ | 383 |  |  | $ | 1 |  |  | $ | — |  |  | $ | — |  |  | $ | 5,954 |
Ending balance collectively evaluated for impairment | $ | 58,572 |  |  | $ | 221,914 |  |  | $ | 242,748 |  |  | $ | 39,492 |  |  | $ | 9,483 |  |  | $ | 9,119 |  |  | $ | — |  |  | $ | 581,328 |
| As of and for the Twelve Months Ended
| December 31, 2017
| (in thousands)
| Construction and Farmland |  | Residential |  | Commercial Real Estate |  | Commercial - Non Real Estate |  | Consumer |  | All Other Loans |  | Unallocated |  | Total
Allowance for credit losses: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Beginning Balance | $ | 450 |  |  | $ | 1,992 |  |  | $ | 1,522 |  |  | $ | 235 |  |  | $ | 69 |  |  | $ | 22 |  |  | $ | 215 |  |  | $ | 4,505 |
Charge-Offs | (19 | ) |  | (55 | ) |  | (1 | ) |  | (187 | ) |  | (59 | ) |  | (49 | ) |  | — |  |  | (370 | )
Recoveries | 535 |  |  | 212 |  |  | 65 |  |  | 44 |  |  | 40 |  |  | 5 |  |  | — |  |  | 901 |
(Recovery of) provision for loan losses | (634 | ) |  | (395 | ) |  | 41 |  |  | 478 |  |  | 19 |  |  | 51 |  |  | (185 | ) |  | (625 | )
Ending balance | $ | 332 |  |  | $ | 1,754 |  |  | $ | 1,627 |  |  | $ | 570 |  |  | $ | 69 |  |  | $ | 29 |  |  | $ | 30 |  |  | $ | 4,411 |
Ending balance: Individually evaluated for impairment | $ | — |  |  | $ | 195 |  |  | $ | 59 |  |  | $ | 195 |  |  | $ | 9 |  |  | $ | — |  |  | $ | — |  |  | $ | 458 |
Ending balance: collectively evaluated for impairment | $ | 332 |  |  | $ | 1,559 |  |  | $ | 1,568 |  |  | $ | 375 |  |  | $ | 60 |  |  | $ | 29 |  |  | $ | 30 |  |  | $ | 3,953 |
Loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Ending balance | $ | 52,354 |  |  | $ | 227,305 |  |  | $ | 239,915 |  |  | $ | 37,427 |  |  | $ | 10,187 |  |  | $ | 2,050 |  |  | $ | — |  |  | $ | 569,238 |
Ending balance individually evaluated for impairment | $ | 315 |  |  | $ | 8,315 |  |  | $ | 1,904 |  |  | $ | 858 |  |  | $ | 34 |  |  | $ | — |  |  | $ | — |  |  | $ | 11,426 |
Ending balance collectively evaluated for impairment | $ | 52,039 |  |  | $ | 218,990 |  |  | $ | 238,011 |  |  | $ | 36,569 |  |  | $ | 10,153 |  |  | $ | 2,050 |  |  | $ | — |  |  | $ | 557,812 |
Impaired Loans By Class | Impaired loans by class as of and for the periods ended June 30, 2018 and December 31, 2017 were as follows:
| As of and for the Six Months Ended
| June 30, 2018
| (in thousands)
| Unpaid Principal Balance |  | Recorded Investment (1) |  | Related Allowance |  | Average Recorded Investment |  | Interest Income Recognized
With no related allowance: |  |  |  |  |  |  |  |  |
Commercial - Non Real Estate: |  |  |  |  |  |  |  |  |
Commercial & Industrial | $ | 604 |  |  | $ | 384 |  |  | $ | — |  |  | $ | 601 |  |  | $ | 13 |
Commercial Real Estate: |  |  |  |  |  |  |  |  |
Owner Occupied | — |  |  | — |  |  | — |  |  | — |  |  | — |
Non-owner occupied | 430 |  |  | 383 |  |  | — |  |  | 426 |  |  | — |
Construction and Farmland: |  |  |  |  |  |  |  |  |
Residential | — |  |  | — |  |  | — |  |  | — |  |  | — |
Commercial | 347 |  |  | 298 |  |  | — |  |  | 347 |  |  | 14 |
Consumer: |  |  |  |  |  |  |  |  |
Installment | 1 |  |  | 1 |  |  | — |  |  | 2 |  |  | — |
Residential: |  |  |  |  |  |  |  |  |
Equity lines | 234 |  |  | 48 |  |  | — |  |  | 48 |  |  | — |
Single family | 3,031 |  |  | 2,814 |  |  | — |  |  | 2,913 |  |  | 56 |
Multifamily | — |  |  | — |  |  | — |  |  | — |  |  | — |
Other Loans | — |  |  | — |  |  | — |  |  | — |  |  | — |
| $ | 4,647 |  |  | $ | 3,928 |  |  | $ | — |  |  | $ | 4,337 |  |  | $ | 83 |
With an allowance recorded: |  |  |  |  |  |  |  |  |
Commercial - Non Real Estate: |  |  |  |  |  |  |  |  |
Commercial & Industrial | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |
Commercial Real Estate: |  |  |  |  |  |  |  |  |
Owner Occupied | — |  |  | — |  |  | — |  |  | — |  |  | — |
Non-owner occupied | 797 |  |  | 799 |  |  | 57 |  |  | 804 |  |  | 18 |
Construction and Farmland: |  |  |  |  |  |  |  |  |
Residential | — |  |  | — |  |  | — |  |  | — |  |  | — |
Commercial | — |  |  | — |  |  | — |  |  | — |  |  | — |
Consumer: |  |  |  |  |  |  |  |  |
Installment | — |  |  | — |  |  | — |  |  | — |  |  | — |
Residential: |  |  |  |  |  |  |  |  |
Equity lines | 217 |  |  | 41 |  |  | 41 |  |  | 41 |  |  | — |
Single family | 1,255 |  |  | 1,202 |  |  | 121 |  |  | 1,246 |  |  | 28 |
Multifamily | — |  |  | — |  |  | — |  |  | — |  |  | — |
Other Loans | — |  |  | — |  |  | — |  |  | — |  |  | — |
| $ | 2,269 |  |  | $ | 2,042 |  |  | $ | 219 |  |  | $ | 2,091 |  |  | $ | 46 |
Total: |  |  |  |  |  |  |  |  |
Commercial | $ | 604 |  |  | $ | 384 |  |  | $ | — |  |  | $ | 601 |  |  | $ | 13 |
Commercial Real Estate | 1,227 |  |  | 1,182 |  |  | 57 |  |  | 1,230 |  |  | 18 |
Construction and Farmland | 347 |  |  | 298 |  |  | — |  |  | 347 |  |  | 14 |
Consumer | 1 |  |  | 1 |  |  | — |  |  | 2 |  |  | — |
Residential | 4,737 |  |  | 4,105 |  |  | 162 |  |  | 4,248 |  |  | 84 |
Other | — |  |  | — |  |  | — |  |  | — |  |  | — |
Total | $ | 6,916 |  |  | $ | 5,970 |  |  | $ | 219 |  |  | $ | 6,428 |  |  | $ | 129 |
(1) Recorded investment is defined as the summation of the outstanding principal balance, accrued interest, net deferred loan fees or costs, and any partial charge-offs. Accrued interest and net deferred loan fees or costs totaled $16 thousand at June 30, 2018.
| As of and for the Twelve Months End
| December 31, 2017
| (in thousands)
| Unpaid Principal Balance |  | Recorded Investment (1) |  | Related Allowance |  | Average Recorded Investment |  | Interest Income Recognized
With no related allowance: |  |  |  |  |  |  |  |  |
Commercial - Non Real Estate: |  |  |  |  |  |  |  |  |
Commercial & Industrial | $ | 626 |  |  | $ | 304 |  |  | $ | — |  |  | $ | 342 |  |  | $ | 23 |
Commercial Real Estate: |  |  |  |  |  |  |  |  |
Owner Occupied | 330 |  |  | 331 |  |  | — |  |  | 336 |  |  | 15 |
Non-owner occupied | 805 |  |  | 767 |  |  | — |  |  | 785 |  |  | 20 |
Construction and Farmland: |  |  |  |  |  |  |  |  |
Residential | — |  |  | — |  |  | — |  |  | — |  |  | — |
Commercial | 362 |  |  | 316 |  |  | — |  |  | 330 |  |  | 28 |
Consumer: |  |  |  |  |  |  |  |  |
Installment | 25 |  |  | 25 |  |  | — |  |  | 27 |  |  | 1 |
Residential: |  |  |  |  |  |  |  |  |
Equity lines | — |  |  | — |  |  | — |  |  | — |  |  | — |
Single family | 7,371 |  |  | 6,985 |  |  | — |  |  | 7,069 |  |  | 124 |
Multifamily | — |  |  | — |  |  | — |  |  | — |  |  | — |
Other Loans | — |  |  | — |  |  | — |  |  | — |  |  | — |
| $ | 9,519 |  |  | $ | 8,728 |  |  | $ | — |  |  | $ | 8,889 |  |  | $ | 211 |
With an allowance recorded: |  |  |  |  |  |  |  |  |
Commercial - Non Real Estate: |  |  |  |  |  |  |  |  |
Commercial & Industrial | $ | 595 |  |  | $ | 556 |  |  | $ | 195 |  |  | $ | 567 |  |  | $ | 17 |
Commercial Real Estate: |  |  |  |  |  |  |  |  |
Owner Occupied | — |  |  | — |  |  | — |  |  | — |  |  | — |
Non-owner occupied | 806 |  |  | 809 |  |  | 59 |  |  | 817 |  |  | 37 |
Construction and Farmland: |  |  |  |  |  |  |  |  |
Residential | — |  |  | — |  |  | — |  |  | — |  |  | — |
Commercial | — |  |  | — |  |  | — |  |  | — |  |  | — |
Consumer: |  |  |  |  |  |  |  |  |
Installment | 9 |  |  | 9 |  |  | 9 |  |  | 9 |  |  | — |
Residential: |  |  |  |  |  |  |  |  |
Equity lines | 217 |  |  | 44 |  |  | 44 |  |  | 45 |  |  | — |
Single family | 1,349 |  |  | 1,299 |  |  | 151 |  |  | 1,315 |  |  | 57 |
Multifamily | — |  |  | — |  |  | — |  |  | — |  |  | — |
Other Loans | — |  |  | — |  |  | — |  |  | — |  |  | — |
| $ | 2,976 |  |  | $ | 2,717 |  |  | $ | 458 |  |  | $ | 2,753 |  |  | $ | 111 |
Total: |  |  |  |  |  |  |  |  |
Commercial | $ | 1,221 |  |  | $ | 860 |  |  | $ | 195 |  |  | $ | 909 |  |  | $ | 40 |
Commercial Real Estate | 1,941 |  |  | 1,907 |  |  | 59 |  |  | 1,938 |  |  | 72 |
Construction and Farmland | 362 |  |  | 316 |  |  | — |  |  | 330 |  |  | 28 |
Consumer | 34 |  |  | 34 |  |  | 9 |  |  | 36 |  |  | 1 |
Residential | 8,937 |  |  | 8,328 |  |  | 195 |  |  | 8,429 |  |  | 181 |
Other | — |  |  | — |  |  | — |  |  | — |  |  | — |
Total | $ | 12,495 |  |  | $ | 11,445 |  |  | $ | 458 |  |  | $ | 11,642 |  |  | $ | 322 |
Credit Quality Information By Class | Credit quality information by class at June 30, 2018 and December 31, 2017 was as follows:
| As of
| June 30, 2018
| (in thousands)
INTERNAL RISK RATING GRADES | Pass |  | Pass Monitored |  | Special Mention |  | Substandard |  | Doubtful |  | Loss |  | Total
Commercial - Non Real Estate: |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial & Industrial | $ | 35,631 |  |  | $ | 2,202 |  |  | $ | 1,889 |  |  | $ | 153 |  |  | $ | — |  |  | $ | — |  |  | $ | 39,875 |
Commercial Real Estate: |  |  |  |  |  |  |  |  |  |  |  |  |
Owner Occupied | 119,469 |  |  | 8,795 |  |  | 7,132 |  |  | — |  |  | — |  |  | — |  |  | 135,396 |
Non-owner occupied | 94,906 |  |  | 10,454 |  |  | 3,114 |  |  | 383 |  |  | — |  |  | — |  |  | 108,857 |
Construction and Farmland: |  |  |  |  |  |  |  |  |  |  |  |  |
Residential | 6,277 |  |  | 1,324 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 7,601 |
Commercial | 21,020 |  |  | 29,951 |  |  | — |  |  | 298 |  |  | — |  |  | — |  |  | 51,269 |
Residential: |  |  |  |  |  |  |  |  |  |  |  |  |
Equity Lines | 30,888 |  |  | 149 |  |  | — |  |  | — |  |  | 89 |  |  | — |  |  | 31,126 |
Single family | 177,376 |  |  | 8,716 |  |  | 2,011 |  |  | 2,202 |  |  | 150 |  |  | — |  |  | 190,455 |
Multifamily | 3,607 |  |  | 493 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 4,100 |
All other loans | 9,099 |  |  | 20 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 9,119 |
Total | $ | 498,273 |  |  | $ | 62,104 |  |  | $ | 14,146 |  |  | $ | 3,036 |  |  | $ | 239 |  |  | $ | — |  |  | $ | 577,798 |
| Performing |  | Nonperforming
Consumer Credit Exposure by Payment Activity | $ | 9,467 |  |  | $ | 17 |
| As of
| December 31, 2017
| (in thousands)
INTERNAL RISK RATING GRADES | Pass |  | Pass Monitored |  | Special Mention |  | Substandard |  | Doubtful |  | Loss |  | Total
Commercial - Non Real Estate: |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial & Industrial | $ | 33,279 |  |  | $ | 1,788 |  |  | $ | 1,748 |  |  | $ | 612 |  |  | $ | — |  |  | $ | — |  |  | $ | 37,427 |
Commercial Real Estate: |  |  |  |  |  |  |  |  |  |  |  |  |
Owner Occupied | 112,649 |  |  | 10,893 |  |  | 3,146 |  |  | 330 |  |  | — |  |  | — |  |  | 127,018 |
Non-owner occupied | 82,050 |  |  | 17,992 |  |  | 12,088 |  |  | 767 |  |  | — |  |  | — |  |  | 112,897 |
Construction and Farm land: |  |  |  |  |  |  |  |  |  |  |  |  |
Residential | 2,614 |  |  | 600 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 3,214 |
Commercial | 30,093 |  |  | 17,069 |  |  | 1,663 |  |  | 315 |  |  | — |  |  | — |  |  | 49,140 |
Residential: |  |  |  |  |  |  |  |  |  |  |  |  |
Equity Lines | 32,495 |  |  | 299 |  |  | — |  |  | — |  |  | 44 |  |  | — |  |  | 32,838 |
Single family | 177,829 |  |  | 5,869 |  |  | 155 |  |  | 6,327 |  |  | 192 |  |  | — |  |  | 190,372 |
Multifamily | 3,588 |  |  | — |  |  | 507 |  |  | — |  |  | — |  |  | — |  |  | 4,095 |
All other loans | 2,050 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 2,050 |
Total | $ | 476,647 |  |  | $ | 54,510 |  |  | $ | 19,307 |  |  | $ | 8,351 |  |  | $ | 236 |  |  | $ | — |  |  | $ | 559,051 |
| Performing |  | Nonperforming
Consumer Credit Exposure by Payment Activity | $ | 10,168 |  |  | $ | 19 |

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