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Loans (Tables)

9 Months Ended

Sep. 30, 2014

Receivables [Abstract]

Summary of Loans

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

		September 30, 2014				December 31, 2013
Real estate loans:
Construction and land development		$	29,862			$	34,060
Secured by 1-4 family residential			155,298				141,961
Other real estate loans			154,769				145,968
Commercial and industrial loans			22,943				22,803
Consumer and other loans			11,818				12,301
Total loans		$	374,690			$	357,093
Allowance for loan losses			(9,716	)			(10,644	)
Loans, net		$	364,974			$	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 September 30, 2014 and December 31, 2013 (in thousands):

		September 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		$	1,296			$	72			$	932			$	2,300			$	27,562			$	29,862			$	2,656			$	165
1-4 family residential			646				287				977				1,910				153,388				155,298				1,357				402
Other real estate loans			1,604				71				3,082				4,757				150,012				154,769				4,529				1,581
Commercial and industrial			77				—				13				90				22,853				22,943				131				—
Consumer and other loans			31				—				—				31				11,787				11,818				—				—
Total		$	3,654			$	430			$	5,004			$	9,088			$	365,602			$	374,690			$	8,673			$	2,148

		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 September 30, 2014 and December 31, 2013 (in thousands):

		September 30, 2014
		Pass				Special Mention				Substandard				Doubtful				Total
Real estate loans:
Construction and land development		$	20,448			$	3,032			$	6,382			$	—			$	29,862
Secured by 1-4 family residential			142,694				5,657				6,947				—				155,298
Other real estate loans			130,111				9,524				15,134				—				154,769
Commercial and industrial			22,446				198				299				—				22,943
Consumer and other loans			11,818				—				—				—				11,818
Total		$	327,517			$	18,411			$	28,762			$	—			$	374,690

		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 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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