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Loans (Tables)

12 Months Ended

Dec. 31, 2014

Receivables [Abstract]

Summary of Loans

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

		2014				2013
Real estate loans:
Construction and land development		$	29,475			$	34,060
Secured by 1-4 family residential			163,727				141,961
Other real estate			151,802				145,968
Commercial and industrial loans			21,166				22,803
Consumer and other loans			12,240				12,301
Total loans		$	378,410			$	357,093
Allowance for loan losses			(6,718	)			(10,644	)
Loans, net		$	371,692			$	346,449

Summary of Loan Classes and an Aging of Past Due Loans

The following tables provide a summary of loan classes and an aging of past due loans as of December 31, 2014 and 2013 (in thousands):

		December 31, 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		$	2,441			$	71			$	—			$	2,512			$	26,963			$	29,475			$	1,787			$	—
1-4 family residential			504				323				754				1,581				162,146				163,727				1,342				—
Other real estate loans			554				800				2,519				3,873				147,929				151,802				4,756				—
Commercial and industrial			10				106				—				116				21,050				21,166				115				—
Consumer and other loans			14				—				—				14				12,226				12,240				—				—
Total		$	3,523			$	1,300			$	3,273			$	8,096			$	370,314			$	378,410			$	8,000			$	—

		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 December 31, 2014 and 2013 (in thousands):

		December 31, 2014
		Pass				Special Mention				Substandard				Doubtful				Total
Real estate loans:
Construction and land development		$	20,476			$	2,962			$	6,037			$	—			$	29,475
Secured by 1-4 family residential			152,004				5,058				6,665				—				163,727
Other real estate loans			126,211				14,776				10,815				—				151,802
Commercial and industrial			20,428				463				275				—				21,166
Consumer and other loans			12,240				—				—				—				12,240
Total		$	331,359			$	23,259			$	23,792			$	—			$	378,410

		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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