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Loans (Tables)

6 Months Ended

Jun. 30, 2013

Receivables [Abstract]

Summary of Loans

Loans at June 30, 2013 and December 31, 2012 are summarized as follows:

		(in thousands)
		June 30, 2013				December 31, 2012
Real estate loans:
Construction and land development		$	44,305			$	43,524
Secured by 1-4 family residential			145,628				134,964
Other real estate loans			159,834				176,573
Commercial and industrial loans			19,701				20,718
Consumer and other loans			8,045				7,815
Total loans		$	377,513			$	383,594
Allowance for loan losses			12,478				13,075
Loans, net		$	365,035			$	370,519

Summary of Loan Classes and an Aging of Past Due Loans

The following table provides a summary of loan classes and an aging of past due loans as of June 30, 2013 and December 31, 2012:

		June 30, 2013
		(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		$	1,873			$	—			$	4,546			$	6,419			$	37,886			$	44,305			$	2,678			$	1,889
1-4 family residential			1,731				445				89				2,265				143,363				145,628				1,577				—
Other real estate loans			1,173				1,415				74				2,662				157,172				159,834				4,745				—
Commercial and industrial			261				24				79				364				19,337				19,701				90				—
Consumer and other loans			77				3				—				80				7,965				8,045				2				—
Total		$	5,115			$	1,887			$	4,788			$	11,790			$	365,723			$	377,513			$	9,092			$	1,889

		December 31, 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		$	77			$	701			$	89			$	867			$	42,657			$	43,524			$	646			$	—
1-4 family residential			2,741				—				476				3,217				131,747				134,964				968				129
Other real estate loans			1,347				686				1,476				3,509				173,064				176,573				6,752				—
Commercial and industrial			428				408				99				935				19,783				20,718				14				99
Consumer and other loans			43				5				8				56				7,759				7,815				13				—
Total		$	4,636			$	1,800			$	2,148			$	8,584			$	375,010			$	383,594			$	8,393			$	228

Analysis of the Credit Risk Profile of Each Loan Class

The following tables provide an analysis of the credit risk profile of each loan class as of June 30, 2013 and December 31, 2012:

		June 30, 2013 (in thousands)
		Pass				Special Mention				Substandard				Doubtful				Total
Real estate loans:
Construction and land development		$	25,627			$	4,851			$	13,827			$	—			$	44,305
Secured by 1-4 family residential			130,940				6,461				8,227				—				145,628
Other real estate loans			122,778				14,259				22,797				—				159,834
Commercial and industrial			18,163				791				747				—				19,701
Consumer and other loans			7,975				70				—				—				8,045
Total		$	305,483			$	26,432			$	45,598			$	—			$	377,513

		December 31, 2012 (in thousands)
		Pass				Special Mention				Substandard				Doubtful				Total
Real estate loans:
Construction and land development		$	22,384			$	5,176			$	15,964			$	—			$	43,524
Secured by 1-4 family residential			120,692				6,055				8,217				—				134,964
Other real estate loans			134,701				14,513				27,359				—				176,573
Commercial and industrial			18,831				798				1,089				—				20,718
Consumer and other loans			7,743				72				—				—				7,815
Total		$	304,351			$	26,614			$	52,629			$	—			$	383,594

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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 the various types of trade accounts and notes receivable and for each the gross carrying value, allowance, and net carrying value as of the balance sheet date. Presentation is categorized by current, noncurrent and unclassified receivables.

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