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Loans (Tables)

6 Months Ended

Jun. 30, 2012

Loans [Abstract]

Summary of loans

		(in thousands)
		June 30, 2012				December 31, 2011
Real estate loans:
Construction and land development		$	47,843			$	48,363
Secured by 1-4 family residential			128,229				122,339
Other real estate loans			174,212				181,141
Commercial and industrial loans			24,937				29,446
Consumer and other loans			8,914				11,151
Total loans		$	384,135			$	392,440
Allowance for loan losses			13,999				12,937
Loans, net		$	370,136			$	379,503

Summary of loan classes and an aging of past due loans

		June 30, 2012 (in thousands)
		30-59 Days Past Due				60-89 Days Past Due				> 90 Days Past Due				Total Past Due				Current				Total Loans				Non-accrual Loans				90 Days or More Past Due and Accruing
Real estate loans:
Construction and land development		$	30			$	—			$	368			$	398			$	47,445			$	47,843			$	621			$	343
1-4 family residential			541				513				142				1,196				127,033				128,229				1,447				—
Other real estate loans			9,483				116				2,572				12,171				162,041				174,212				8,540				886
Commercial and industrial			405				271				—				676				24,261				24,937				16				—
Consumer and other loans			20				53				—				73				8,841				8,914				15				—
Total		$	10,479			$	953			$	3,082			$	14,514			$	369,621			$	384,135			$	10,639			$	1,229

		December 31, 2011 (in thousands)
		30-59 Days Past Due				60-89 Days Past Due				> 90 Days Past Due				Total Past Due				Current				Total Loans				Non-accrual Loans				90 Days or More Past Due and Accruing
Real estate loans:
Construction and land development		$	2,267			$	1,029			$	235			$	3,531			$	44,832			$	48,363			$	235			$	—
1-4 family residential			4,179				471				688				5,338				117,001				122,339				3,043				98
Other real estate loans			3,863				562				722				5,147				175,994				181,141				8,367				361
Commercial and industrial			950				93				5				1,048				28,398				29,446				163				—
Consumer and other loans			94				19				14				127				11,024				11,151				33				—
Total		$	11,353			$	2,174			$	1,664			$	15,191			$	377,249			$	392,440			$	11,841			$	459

Analysis of the credit risk profile of each loan class

		June 30, 2012 (in thousands)
		Pass				Special Mention				Substandard				Doubtful				Total
Real estate loans:
Construction and land development		$	25,618			$	3,775			$	18,450			$	—			$	47,843
Secured by 1-4 family residential			114,040				3,997				10,192				—				128,229
Other real estate loans			134,795				8,016				31,401				—				174,212
Commercial and industrial			20,413				572				3,908				44				24,937
Consumer and other loans			8,836				78				—				—				8,914
Total		$	303,702			$	16,438			$	63,951			$	44			$	384,135
		December 31, 2011 (in thousands)
		Pass				Special Mention				Substandard				Doubtful				Total
Real estate loans:
Construction and land development		$	23,172			$	7,504			$	17,452			$	235			$	48,363
Secured by 1-4 family residential			108,240				5,645				8,266				188				122,339
Other real estate loans			138,255				17,123				22,348				3,415				181,141
Commercial and industrial			23,451				949				4,976				70				29,446
Consumer and other loans			11,058				79				—				14				11,151
Total		$	304,176			$	31,300			$	53,042			$	3,922			$	392,440

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- Definition

Tabular disclosure of financing receivables by credit quality indicator. The credit quality indicator is a statistic about the credit quality of financing receivables. Examples include, but not limited to, consumer credit risk scores, credit-rating-agency ratings, an entity's internal credit risk grades, loan-to-value ratios, collateral, collection experience and other internal metrics.

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Tabular disclosure of financing receivables that are past due but not impaired, financing receivables that are 90 days past due and still accruing, and financing receivables on nonaccrual status.

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