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Loans (Tables)

9 Months Ended

Sep. 30, 2015

Receivables [Abstract]

Summary of Loans

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

		September 30, 2015				December 31, 2014
Real estate loans:
Construction and land development		$	29,935			$	29,475
Secured by 1-4 family residential			179,419				163,727
Other real estate loans			165,661				151,802
Commercial and industrial loans			19,950				21,166
Consumer and other loans			11,448				12,240
Total loans		$	406,413			$	378,410
Allowance for loan losses			(5,575	)			(6,718	)
Loans, net		$	400,838			$	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 September 30, 2015 and December 31, 2014 (in thousands):

		September 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		$	430			$	—			$	—			$	430			$	29,505			$	29,935			$	1,911			$	—
1-4 family residential			1,004				19				269				1,292				178,127				179,419				298				55
Other real estate loans			419				—				1,247				1,666				163,995				165,661				2,622				—
Commercial and industrial			188				—				92				280				19,670				19,950				99				92
Consumer and other loans			18				6				—				24				11,424				11,448				—				—
Total		$	2,059			$	25			$	1,608			$	3,692			$	402,721			$	406,413			$	4,930			$	147
		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 September 30, 2015 and December 31, 2014 (in thousands):

		September 30, 2015
		Pass				Special Mention				Substandard				Doubtful				Total
Real estate loans:
Construction and land development		$	23,168			$	2,398			$	4,369			$	—			$	29,935
Secured by 1-4 family residential			172,444				3,022				3,953				—				179,419
Other real estate loans			149,137				9,857				6,667				—				165,661
Commercial and industrial			19,243				429				278				—				19,950
Consumer and other loans			11,442				—				6				—				11,448
Total		$	375,434			$	15,706			$	15,273			$	—			$	406,413

		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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