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Loans (Tables)

9 Months Ended

Sep. 30, 2012

Loans [Abstract]

Summary of loans

		(in thousands)
		September 30, 2012				December 31, 2011
Real estate loans:
Construction and land development		$	44,725			$	48,363
Secured by 1-4 family residential			128,354				122,339
Other real estate loans			175,122				181,141
Commercial and industrial loans			24,216				29,446
Consumer and other loans			8,335				11,151
Total loans		$	380,752			$	392,440
Allowance for loan losses			14,049				12,937
Loans, net		$	366,703			$	379,503

Summary of loan classes and an aging of past due loans

		September 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		$	325			$	528			$	2,472			$	3,325			$	41,400			$	44,725			$	621			$	1,851
1-4 family residential			1,272				207				693				2,172				126,182				128,354				1,389				300
Other real estate loans			2,881				1,637				186				4,704				170,418				175,122				6,961				—
Commercial and industrial			432				220				25				677				23,539				24,216				15				25
Consumer and other loans			56				—				25				81				8,254				8,335				12				—
Total		$	4,966			$	2,592			$	3,401			$	10,959			$	369,793			$	380,752			$	8,998			$	2,176
		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

		September 30, 2012 (in thousands)
		Pass				Special Mention				Substandard				Doubtful				Total
Real estate loans:
Construction and land development		$	23,062			$	4,206			$	17,457			$	—			$	44,725
Secured by 1-4 family residential			114,120				4,518				9,716				—				128,354
Other real estate loans			138,949				12,085				24,088				—				175,122
Commercial and industrial			19,766				836				3,614				—				24,216
Consumer and other loans			8,261				74				—				—				8,335
Total		$	304,158			$	21,719			$	54,875			$	—			$	380,752
		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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