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Loans (Tables)

3 Months Ended

Mar. 31, 2015

Receivables [Abstract]

Summary of Loans

Loans at March 31, 2015 and December 31, 2014 are summarized as follows (in thousands):

		March 31, 2015				December 31, 2014
Real estate loans:
Construction and land development		$	33,344			$	29,475
Secured by 1-4 family residential			172,874				163,727
Other real estate loans			158,896				151,802
Commercial and industrial loans			21,420				21,166
Consumer and other loans			11,983				12,240
Total loans		$	398,517			$	378,410
Allowance for loan losses			(6,771	)			(6,718	)
Loans, net		$	391,746			$	371,692

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 March 31, 2015 and December 31, 2014 (in thousands):

		March 31, 2015
		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		$	443			$	—			$	71			$	514			$	32,830			$	33,344			$	1,653			$	71
1-4 family residential			535				76				349				960				171,914				172,874				685				—
Other real estate loans			498				—				3,304				3,802				155,094				158,896				4,722				—
Commercial and industrial			283				92				—				375				21,045				21,420				110				—
Consumer and other loans			16				—				—				16				11,967				11,983				—				—
Total		$	1,775			$	168			$	3,724			$	5,667			$	392,850			$	398,517			$	7,170			$	71

		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			$	—

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 March 31, 2015 and December 31, 2014 (in thousands):

		March 31, 2015
		Pass				Special Mention				Substandard				Doubtful				Total
Real estate loans:
Construction and land development		$	24,129			$	3,250			$	5,965			$	—			$	33,344
Secured by 1-4 family residential			162,248				4,652				5,974				—				172,874
Other real estate loans			134,037				14,196				10,663				—				158,896
Commercial and industrial			20,660				452				308				—				21,420
Consumer and other loans			11,983				—				—				—				11,983
Total		$	353,057			$	22,550			$	22,910			$	—			$	398,517

		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

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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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-Publisher FASB

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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.

+ References

Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

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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.

+ References

Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

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