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Loans (Tables)

6 Months Ended

Jun. 30, 2014

Receivables [Abstract]

Summary of Loans

Loans at June 30, 2014 and December 31, 2013 are summarized as follows (in thousands):

		June 30, 2014				December 31, 2013
Real estate loans:
Construction and land development		$	32,795			$	34,060
Secured by 1-4 family residential			151,043				141,961
Other real estate loans			146,483				145,968
Commercial and industrial loans			24,797				22,803
Consumer and other loans			12,372				12,301
Total loans		$	367,490			$	357,093
Allowance for loan losses			(10,006	)			(10,644	)
Loans, net		$	357,484			$	346,449

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, 2014 and December 31, 2013 (in thousands):

		June 30, 2014
		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		$	2,277			$	72			$	3,454			$	5,803			$	26,992			$	32,795			$	5,451			$	167
1-4 family residential			1,417				650				378				2,445				148,598				151,043				1,025				158
Other real estate loans			590				277				1,327				2,194				144,289				146,483				4,592				—
Commercial and industrial			329				19				—				348				24,449				24,797				153				—
Consumer and other loans			10				—				—				10				12,362				12,372				—				—
Total		$	4,623			$	1,018			$	5,159			$	10,800			$	356,690			$	367,490			$	11,221			$	325

		December 31, 2013
		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		$	161			$	2,852			$	3,339			$	6,352			$	27,708			$	34,060			$	5,811			$	—
1-4 family residential			1,561				316				136				2,013				139,948				141,961				953				27
Other real estate loans			1,077				1,636				74				2,787				143,181				145,968				4,756				—
Commercial and industrial			165				—				22				187				22,616				22,803				144				22
Consumer and other loans			41				5				—				46				12,255				12,301				14				—
Total		$	3,005			$	4,809			$	3,571			$	11,385			$	345,708			$	357,093			$	11,678			$	49

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, 2014 and December 31, 2013 (in thousands):

		June 30, 2014
		Pass				Special Mention				Substandard				Doubtful				Total
Real estate loans:
Construction and land development		$	20,402			$	2,939			$	9,454			$	—			$	32,795
Secured by 1-4 family residential			138,380				6,406				6,257				—				151,043
Other real estate loans			120,964				10,216				15,303				—				146,483
Commercial and industrial			24,066				246				485				—				24,797
Consumer and other loans			12,372				—				—				—				12,372
Total		$	316,184			$	19,807			$	31,499			$	—			$	367,490
		December 31, 2013
		Pass				Special Mention				Substandard				Doubtful				Total
Real estate loans:
Construction and land development		$	19,724			$	3,500			$	10,836			$	—			$	34,060
Secured by 1-4 family residential			130,048				5,378				6,535				—				141,961
Other real estate loans			118,663				10,227				17,078				—				145,968
Commercial and industrial			21,563				555				685				—				22,803
Consumer and other loans			12,287				—				14				—				12,301
Total		$	302,285			$	19,660			$	35,148			$	—			$	357,093

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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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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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