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Loans (Tables)

6 Months Ended

Jun. 30, 2015

Receivables [Abstract]

Summary of Loans

Loans at June 30, 2015 and December 31, 2014 are summarized as follows (in thousands):

		June 30, 2015				December 31, 2014
Real estate loans:
Construction and land development		$	32,009			$	29,475
Secured by 1-4 family residential			173,265				163,727
Other real estate loans			155,396				151,802
Commercial and industrial loans			19,319				21,166
Consumer and other loans			11,732				12,240
Total loans		$	391,721			$	378,410
Allowance for loan losses			(6,129	)			(6,718	)
Loans, net		$	385,592			$	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 June 30, 2015 and December 31, 2014 (in thousands):

		June 30, 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		$	809			$	595			$	—			$	1,404			$	30,605			$	32,009			$	1,979			$	—
1-4 family residential			773				345				384				1,502				171,763				173,265				520				129
Other real estate loans			258				454				2,569				3,281				152,115				155,396				4,047				374
Commercial and industrial			50				—				108				158				19,161				19,319				120				92
Consumer and other loans			3				—				5				8				11,724				11,732				—				5
Total		$	1,893			$	1,394			$	3,066			$	6,353			$	385,368			$	391,721			$	6,666			$	600

		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 June 30, 2015 and December 31, 2014 (in thousands):

		June 30, 2015
		Pass				Special Mention				Substandard				Doubtful				Total
Real estate loans:
Construction and land development		$	22,807			$	4,376			$	4,826			$	—			$	32,009
Secured by 1-4 family residential			164,075				4,840				4,350				—				173,265
Other real estate loans			135,661				11,625				8,110				—				155,396
Commercial and industrial			18,575				437				307				—				19,319
Consumer and other loans			11,732				—				—				—				11,732
Total		$	352,850			$	21,278			$	17,593			$	—			$	391,721

		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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