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3. Loans (Tables) | 12 Months Ended
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Dec. 31, 2012
Loans Tables |
Major classifications of loans |
(Dollars in thousands) |  |  |  |  |  |
|  | December 31, 2012 |  |  | December 31, 2011 |
Real estate loans |  |  |  |  |  |
Construction and land development |  | $ | 73,176 |  |  |  | 93,812 |
Single-family residential |  |  | 195,003 |  |  |  | 212,993 |
Single-family residential - |  |  |  |  |  |  |  |
Banco de la Gente stated income |  |  | 52,019 |  |  |  | 54,058 |
Commercial |  |  | 200,633 |  |  |  | 214,415 |
Multifamily and farmland |  |  | 8,951 |  |  |  | 4,793 |
Total real estate loans |  |  | 529,782 |  |  |  | 580,071 |
Commercial loans (not secured by real estate) |  |  | 64,295 |  |  |  | 60,646 |
Farm loans (not secured by real estate) |  |  | 11 |  |  |  | - |
Consumer loans (not secured by real estate) |  |  | 10,148 |  |  |  | 10,490 |
All other loans (not secured by real estate) |  |  | 15,738 |  |  |  | 19,290 |
Total loans |  |  | 619,974 |  |  |  | 670,497 |
Less allowance for loan losses |  |  | 14,423 |  |  |  | 16,604 |
Total net loans |  | $ | 605,551 |  |  |  | 653,893 |
Age analysis of past due loans, by loan type |
December 31, 2012 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
(Dollars in thousands) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
|  | Loans 30-89 Days Past Due |  |  | Loans 90 or More Days Past Due |  |  | Total Past Due Loans |  |  | Total Current Loans |  |  | Total Loans |  |  | Accruing Loans 90 or More Days Past Due |
Real estate loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Construction and land development |  | $ | 1,280 |  |  |  | 6,858 |  |  |  | 8,138 |  |  |  | 65,038 |  |  |  | 73,176 |  |  |  | - |
Single-family residential |  |  | 4,316 |  |  |  | 1,548 |  |  |  | 5,864 |  |  |  | 189,139 |  |  |  | 195,003 |  |  |  | - |
Single-family residential - |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Banco de la Gente stated income |  |  | 11,077 |  |  |  | 3,659 |  |  |  | 14,736 |  |  |  | 37,283 |  |  |  | 52,019 |  |  |  | 2,378 |
Commercial |  |  | 1,720 |  |  |  | 1,170 |  |  |  | 2,890 |  |  |  | 197,743 |  |  |  | 200,633 |  |  |  | - |
Multifamily and farmland |  |  | 7 |  |  |  | - |  |  |  | 7 |  |  |  | 8,944 |  |  |  | 8,951 |  |  |  | - |
Total real estate loans |  |  | 18,400 |  |  |  | 13,235 |  |  |  | 31,635 |  |  |  | 498,147 |  |  |  | 529,782 |  |  |  | 2,378 |
Commercial loans (not secured by real estate) |  |  | 888 |  |  |  | 66 |  |  |  | 954 |  |  |  | 63,341 |  |  |  | 64,295 |  |  |  | 23 |
Farm loans (not secured by real estate) |  |  | - |  |  |  | - |  |  |  | - |  |  |  | 11 |  |  |  | 11 |  |  |  | - |
Consumer loans (not secured by real estate) |  |  | 250 |  |  |  | 10 |  |  |  | 260 |  |  |  | 9,888 |  |  |  | 10,148 |  |  |  | 2 |
All other loans (not secured by real estate) |  |  | - |  |  |  | - |  |  |  | - |  |  |  | 15,738 |  |  |  | 15,738 |  |  |  | - |
Total loans |  | $ | 19,538 |  |  |  | 13,311 |  |  |  | 32,849 |  |  |  | 587,125 |  |  |  | 619,974 |  |  |  | 2,403 |
December 31, 2011 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
(Dollars in thousands) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
|  | Loans 30-89 Days Past Due |  |  | Loans 90 or More Days Past Due |  |  | Total Past Due Loans |  |  | Total Current Loans |  |  | Total Loans |  |  | Accruing Loans 90 or More Days Past Due |
Real estate loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Construction and land development |  | $ | 10,033 |  |  |  | 3,338 |  |  |  | 13,371 |  |  |  | 80,441 |  |  |  | 93,812 |  |  |  | - |
Single-family residential |  |  | 4,612 |  |  |  | 1,434 |  |  |  | 6,046 |  |  |  | 206,947 |  |  |  | 212,993 |  |  |  | 107 |
Single-family residential - |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Banco de la Gente stated income |  |  | 11,924 |  |  |  | 4,755 |  |  |  | 16,679 |  |  |  | 37,379 |  |  |  | 54,058 |  |  |  | 2,602 |
Commercial |  |  | 1,002 |  |  |  | 958 |  |  |  | 1,960 |  |  |  | 212,455 |  |  |  | 214,415 |  |  |  | - |
Multifamily and farmland |  |  | 13 |  |  |  | - |  |  |  | 13 |  |  |  | 4,780 |  |  |  | 4,793 |  |  |  | - |
Total real estate loans |  |  | 27,584 |  |  |  | 10,485 |  |  |  | 38,069 |  |  |  | 542,002 |  |  |  | 580,071 |  |  |  | 2,709 |
Commercial loans (not secured by real estate) |  |  | 576 |  |  |  | 9 |  |  |  | 585 |  |  |  | 60,061 |  |  |  | 60,646 |  |  |  | - |
Consumer loans (not secured by real estate) |  |  | 116 |  |  |  | 36 |  |  |  | 152 |  |  |  | 10,338 |  |  |  | 10,490 |  |  |  | - |
All other loans (not secured by real estate) |  |  | - |  |  |  | - |  |  |  | - |  |  |  | 19,290 |  |  |  | 19,290 |  |  |  | - |
Total loans |  | $ | 28,276 |  |  |  | 10,530 |  |  |  | 38,806 |  |  |  | 631,691 |  |  |  | 670,497 |  |  |  | 2,709 |
Non-accrual loans |
(Dollars in thousands) |  |  |  |  |  |
|  | December 31, 2012 |  |  | December 31, 2011 |
Real estate loans |  |  |  |  |  |
Construction and land development |  | $ | 9,253 |  |  |  | 13,257 |
Single-family residential |  |  | 2,491 |  |  |  | 2,380 |
Single-family residential - |  |  |  |  |  |  |  |
Banco de la Gente stated income |  |  | 2,232 |  |  |  | 3,142 |
Commercial |  |  | 3,263 |  |  |  | 2,451 |
Total real estate loans |  |  | 17,239 |  |  |  | 21,230 |
Commercial loans (not secured by real estate) |  |  | 344 |  |  |  | 403 |
Consumer loans (not secured by real estate) |  |  | 47 |  |  |  | 152 |
Total |  | $ | 17,630 |  |  |  | 21,785 |
Impaired loans |
December 31, 2012 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
(Dollars in thousands) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
|  | Unpaid Contractual Principal Balance |  |  | Recorded Investment With No Allowance |  |  | Recorded Investment With Allowance |  |  | Recorded Investment in Impaired Loans |  |  | Related Allowance |  |  | Average Outstanding Impaired Loans |
Real estate loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Construction and land development |  | $ | 17,738 |  |  |  | 11,795 |  |  |  | 680 |  |  |  | 12,475 |  |  |  | 61 |  |  |  | 12,810 |
Single-family residential |  |  | 9,099 |  |  |  | 766 |  |  |  | 7,799 |  |  |  | 8,565 |  |  |  | 177 |  |  |  | 7,590 |
Single-family residential - |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Banco de la Gente stated income |  |  | 21,806 |  |  |  | - |  |  |  | 21,000 |  |  |  | 21,000 |  |  |  | 1,278 |  |  |  | 21,158 |
Commercial |  |  | 5,830 |  |  |  | 4,569 |  |  |  | 467 |  |  |  | 5,036 |  |  |  | 6 |  |  |  | 5,433 |
Multifamily and farmland |  |  | 193 |  |  |  | - |  |  |  | 193 |  |  |  | 193 |  |  |  | 1 |  |  |  | 200 |
Total impaired real estate loans |  |  | 54,666 |  |  |  | 17,130 |  |  |  | 30,139 |  |  |  | 47,269 |  |  |  | 1,523 |  |  |  | 47,191 |
Commercial loans (not secured by real estate) |  |  | 983 |  |  |  | 347 |  |  |  | 592 |  |  |  | 939 |  |  |  | 12 |  |  |  | 1,125 |
Consumer loans (not secured by real estate) |  |  | 68 |  |  |  | - |  |  |  | 66 |  |  |  | 66 |  |  |  | 1 |  |  |  | 41 |
Total impaired loans |  | $ | 55,717 |  |  |  | 17,477 |  |  |  | 30,797 |  |  |  | 48,274 |  |  |  | 1,536 |  |  |  | 48,357 |
December 31, 2011 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
(Dollars in thousands) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
|  | Unpaid Contractual Principal Balance |  |  | Recorded Investment With No Allowance |  |  | Recorded Investment With Allowance |  |  | Recorded Investment in Impaired Loans |  |  | Related Allowance |  |  | Average Outstanding Impaired Loans |
Real estate loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Construction and land development |  | $ | 28,721 |  |  |  | 14,484 |  |  |  | 6,098 |  |  |  | 20,582 |  |  |  | 3,264 |  |  |  | 17,848 |
Single-family residential |  |  | 6,361 |  |  |  | 969 |  |  |  | 5,117 |  |  |  | 6,086 |  |  |  | 131 |  |  |  | 6,324 |
Single-family residential - |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Banco de la Gente stated income |  |  | 20,021 |  |  |  | - |  |  |  | 19,602 |  |  |  | 19,602 |  |  |  | 1,296 |  |  |  | 18,778 |
Commercial |  |  | 7,717 |  |  |  | 3,845 |  |  |  | 3,139 |  |  |  | 6,984 |  |  |  | 77 |  |  |  | 4,518 |
Multifamily and farmland |  |  | 209 |  |  |  | - |  |  |  | 209 |  |  |  | 209 |  |  |  | 1 |  |  |  | 214 |
Total impaired real estate loans |  |  | 63,029 |  |  |  | 19,298 |  |  |  | 34,165 |  |  |  | 53,463 |  |  |  | 4,769 |  |  |  | 47,682 |
Commercial loans (not secured by real estate) |  |  | 1,111 |  |  |  | - |  |  |  | 1,083 |  |  |  | 1,083 |  |  |  | 26 |  |  |  | 1,485 |
Consumer loans (not secured by real estate) |  |  | 157 |  |  |  | - |  |  |  | 152 |  |  |  | 152 |  |  |  | 2 |  |  |  | 140 |
Total impaired loans |  | $ | 64,297 |  |  |  | 19,298 |  |  |  | 35,400 |  |  |  | 54,698 |  |  |  | 4,797 |  |  |  | 49,307 |
(Dollars in thousands) |  |  |  |  |  |  |  |  |  |  |  |  |
|  | Fair Value Measurements December 31, 2012 |  |  | Level 1 Valuation |  |  | Level 2 Valuation |  |  | Level 3 Valuation |  |  | Total Gains/(Losses) for the Year Ended December 31, 2012 |
Impaired loans |  | $ | 46,738 |  |  |  | - |  |  |  | - |  |  |  | 46,738 |  |  |  | (7,986 | )
Other real estate |  | $ | 6,254 |  |  |  | - |  |  |  | - |  |  |  | 6,254 |  |  |  | (1,136 | )
(Dollars in thousands) |  |  |  |  |  |  |  |  |  |  |  |  |
|  | Fair Value Measurements December 31, 2011 |  |  | Level 1 Valuation |  |  | Level 2 Valuation |  |  | Level 3 Valuation |  |  | Total Gains/(Losses) for the Year Ended December 31, 2011 |
Impaired loans |  | $ | 49,901 |  |  |  | - |  |  |  | - |  |  |  | 49,901 |  |  |  | (11,864 | )
Other real estate |  | $ | 7,576 |  |  |  | - |  |  |  | - |  |  |  | 7,576 |  |  |  | (1,322 | )
Changes in the allowance for loan losses |
Year ended December 31, 2012 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
(Dollars in thousands) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
|  | Real Estate Loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
|  | Construction and Land Development |  |  | Single-Family Residential |  |  | Single-Family Residential - Banco de la Gente Stated Income |  |  | Commercial |  |  | Multifamily and Farmland |  |  | Commercial |  |  | Farm |  |  | Consumer and All Other |  |  | Unallocated |  |  | Total |
Allowance for loan losses: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Beginning balance |  | $ | 7,182 |  |  |  | 3,253 |  |  |  | 2,104 |  |  |  | 1,731 |  |  |  | 13 |  |  |  | 1,029 |  |  |  | - |  |  |  | 255 |  |  |  | 1,037 |  |  |  | 16,604 |
Charge-offs |  |  | (4,728 | ) |  |  | (886 | ) |  |  | (668 | ) |  |  | (937 | ) |  |  | - |  |  |  | (555 | ) |  |  | - |  |  |  | (557 | ) |  |  | - |  |  |  | (8,331 | )
Recoveries |  |  | 528 |  |  |  | 72 |  |  |  | - |  |  |  | 374 |  |  |  | - |  |  |  | 104 |  |  |  | - |  |  |  | 148 |  |  |  | - |  |  |  | 1,226 |
Provision |  |  | 1,417 |  |  |  | 792 |  |  |  | 562 |  |  |  | 881 |  |  |  | 15 |  |  |  | 510 |  |  |  | - |  |  |  | 399 |  |  |  | 348 |  |  |  | 4,924 |
Ending balance |  | $ | 4,399 |  |  |  | 3,231 |  |  |  | 1,998 |  |  |  | 2,049 |  |  |  | 28 |  |  |  | 1,088 |  |  |  | - |  |  |  | 245 |  |  |  | 1,385 |  |  |  | 14,423 |
Ending balance: individually |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
evaluated for impairment |  | $ | 24 |  |  |  | 84 |  |  |  | 1,254 |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | 1,362 |
Ending balance: collectively |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
evaluated for impairment |  |  | 4,375 |  |  |  | 3,147 |  |  |  | 744 |  |  |  | 2,049 |  |  |  | 28 |  |  |  | 1,088 |  |  |  | - |  |  |  | 245 |  |  |  | 1,385 |  |  |  | 13,061 |
Ending balance |  | $ | 4,399 |  |  |  | 3,231 |  |  |  | 1,998 |  |  |  | 2,049 |  |  |  | 28 |  |  |  | 1,088 |  |  |  | - |  |  |  | 245 |  |  |  | 1,385 |  |  |  | 14,423 |
Loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Ending balance |  | $ | 73,176 |  |  |  | 195,003 |  |  |  | 52,019 |  |  |  | 200,633 |  |  |  | 8,951 |  |  |  | 64,295 |  |  |  | 11 |  |  |  | 25,886 |  |  |  | - |  |  |  | 619,974 |
Ending balance: individually |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
evaluated for impairment |  | $ | 11,961 |  |  |  | 3,885 |  |  |  | 20,024 |  |  |  | 4,569 |  |  |  | - |  |  |  | 346 |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | 40,785 |
Ending balance: collectively |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
evaluated for impairment |  | $ | 61,215 |  |  |  | 191,118 |  |  |  | 31,995 |  |  |  | 196,064 |  |  |  | 8,951 |  |  |  | 63,949 |  |  |  | 11 |  |  |  | 25,886 |  |  |  | - |  |  |  | 579,189 |
Year ended December 31, 2011
(Dollars in thousands)
|  |  | Real Estate Loans |
|  |  | Construction and Land Development |  |  |  | Single-Family Residential |  |  |  | Single-Family Residential - Banco de la Gente Stated Income |  |  |  | Commercial |  |  |  | Multifamily and Farmland |  |  |  | Commercial |  |  |  | Consumer and All Other |  |  |  | Unallocated |  |  |  | Total |
Allowance for loan losses: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Beginning balance |  | $ | 5,774 |  |  |  | 3,992 |  |  |  | 2,105 |  |  |  | 1,409 |  |  |  | 17 |  |  |  | 1,174 |  |  |  | 430 |  |  |  | 592 |  |  |  | 15,493 |
Charge-offs |  |  | (7,164 | ) |  |  | (2,233 | ) |  |  | (692 | ) |  |  | (1,271 | ) |  |  | — |  |  |  | (314 | ) |  |  | (586 | ) |  |  | — |  |  |  | (12,260 | )
Recoveries |  |  | 241 |  |  |  | 184 |  |  |  | 17 |  |  |  | 24 |  |  |  | — |  |  |  | 121 |  |  |  | 152 |  |  |  | — |  |  |  | 739 |
Provision |  |  | 8,331 |  |  |  | 1,310 |  |  |  | 674 |  |  |  | 1,569 |  |  |  | (4 | ) |  |  | 48 |  |  |  | 259 |  |  |  | 445 |  |  |  | 12,632 |
Ending balance |  | $ | 7,182 |  |  |  | 3,253 |  |  |  | 2,104 |  |  |  | 1,731 |  |  |  | 13 |  |  |  | 1,029 |  |  |  | 255 |  |  |  | 1,037 |  |  |  | 16,604 |
Ending balance: individually |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
evaluated for impairment |  | $ | 1,250 |  |  |  | 46 |  |  |  | 1,243 |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 2,539 |
Ending balance: collectively |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
evaluated for impairment |  |  | 5,932 |  |  |  | 3,207 |  |  |  | 861 |  |  |  | 1,731 |  |  |  | 13 |  |  |  | 1,029 |  |  |  | 255 |  |  |  | 1,037 |  |  |  | 14,065 |
Ending balance |  | $ | 7,182 |  |  |  | 3,253 |  |  |  | 2,104 |  |  |  | 1,731 |  |  |  | 13 |  |  |  | 1,029 |  |  |  | 255 |  |  |  | 1,037 |  |  |  | 16,604 |
Loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Ending balance |  | $ | 93,812 |  |  |  | 212,993 |  |  |  | 54,058 |  |  |  | 214,415 |  |  |  | 4,793 |  |  |  | 60,646 |  |  |  | 29,780 |  |  |  | — |  |  |  | 670,497 |
Ending balance: individually |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
evaluated for impairment |  | $ | 20,280 |  |  |  | 2,352 |  |  |  | 18,309 |  |  |  | 3,845 |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 44,786 |
Ending balance: collectively |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
evaluated for impairment |  | $ | 73,532 |  |  |  | 210,641 |  |  |  | 35,749 |  |  |  | 210,570 |  |  |  | 4,793 |  |  |  | 60,646 |  |  |  | 29,780 |  |  |  | — |  |  |  | 625,711 |
(Dollars in thousands) |  |  |
|  | 2010 |
Balance at beginning of year |  | $ | 15,413 |
Amounts charged off |  |  | (16,911 | )
Recoveries on amounts previously charged off |  |  | 553 |
Provision for loan losses |  |  | 16,438 |
Balance at end of year |  | $ | 15,493 |
Credit risk profile of each loan type based on internally assigned risk grade |
December 31, 2012 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
(Dollars in thousands) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
|  | Real Estate Loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
|  | Construction and Land Development |  |  | Single-Family Residential |  |  | Single-Family Residential - Banco de la Gente Stated Income |  |  | Commercial |  |  | Multifamily and Farmland |  |  | Commercial |  |  | Farm |  |  | Consumer |  |  | All Other |  |  | Total |
1- Excellent Quality |  | $ | 11 |  |  |  | 24,662 |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | 672 |  |  |  | - |  |  |  | 1,239 |  |  |  | - |  |  |  | 26,584 |
2- High Quality |  |  | 4,947 |  |  |  | 56,829 |  |  |  | - |  |  |  | 27,511 |  |  |  | 32 |  |  |  | 9,260 |  |  |  | - |  |  |  | 4,122 |  |  |  | 2,317 |  |  |  | 105,018 |
3- Good Quality |  |  | 24,952 |  |  |  | 62,018 |  |  |  | 24,724 |  |  |  | 114,001 |  |  |  | 4,975 |  |  |  | 40,814 |  |  |  | 11 |  |  |  | 4,186 |  |  |  | 13,416 |  |  |  | 289,097 |
4- Management Attention |  |  | 18,891 |  |  |  | 35,727 |  |  |  | 11,366 |  |  |  | 47,603 |  |  |  | 3,039 |  |  |  | 11,844 |  |  |  | - |  |  |  | 392 |  |  |  | 5 |  |  |  | 128,867 |
5- Watch |  |  | 9,580 |  |  |  | 9,504 |  |  |  | 3,597 |  |  |  | 6,911 |  |  |  | 712 |  |  |  | 976 |  |  |  | - |  |  |  | 134 |  |  |  | - |  |  |  | 31,414 |
6- Substandard |  |  | 14,795 |  |  |  | 6,263 |  |  |  | 12,332 |  |  |  | 4,607 |  |  |  | 193 |  |  |  | 729 |  |  |  | - |  |  |  | 70 |  |  |  | - |  |  |  | 38,989 |
7- Low Substandard |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |
8- Doubtful |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |
9- Loss |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | 5 |  |  |  | - |  |  |  | 5 |
Total |  | $ | 73,176 |  |  |  | 195,003 |  |  |  | 52,019 |  |  |  | 200,633 |  |  |  | 8,951 |  |  |  | 64,295 |  |  |  | 11 |  |  |  | 10,148 |  |  |  | 15,738 |  |  |  | 619,974 |
December 31, 2011 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
(Dollars in thousands) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
|  | Real Estate Loans |  |  |  |  |  |  |  |  |  |  |  |  |
|  | Construction and Land Development |  |  | Single-Family Residential |  |  | Single-Family Residential - Banco de la Gente Stated Income |  |  | Commercial |  |  | Multifamily and Farmland |  |  | Commercial |  |  | Consumer |  |  | All Other |  |  | Total |
1- Excellent Quality |  | $ | 197 |  |  |  | 25,474 |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | 715 |  |  |  | 1,344 |  |  |  | - |  |  |  | 27,730 |
2- High Quality |  |  | 5,183 |  |  |  | 64,817 |  |  |  | - |  |  |  | 25,506 |  |  |  | 50 |  |  |  | 8,801 |  |  |  | 4,070 |  |  |  | 2,774 |  |  |  | 111,201 |
3- Good Quality |  |  | 27,675 |  |  |  | 74,824 |  |  |  | 25,564 |  |  |  | 136,137 |  |  |  | 3,448 |  |  |  | 36,585 |  |  |  | 4,259 |  |  |  | 16,509 |  |  |  | 325,001 |
4- Management Attention |  |  | 28,138 |  |  |  | 35,233 |  |  |  | 15,020 |  |  |  | 40,312 |  |  |  | 358 |  |  |  | 12,882 |  |  |  | 429 |  |  |  | 7 |  |  |  | 132,379 |
5- Watch |  |  | 15,923 |  |  |  | 6,141 |  |  |  | 5,626 |  |  |  | 2,795 |  |  |  | 728 |  |  |  | 622 |  |  |  | 89 |  |  |  | - |  |  |  | 31,924 |
6- Substandard |  |  | 16,696 |  |  |  | 6,504 |  |  |  | 7,848 |  |  |  | 9,665 |  |  |  | 209 |  |  |  | 1,041 |  |  |  | 154 |  |  |  | - |  |  |  | 42,117 |
7- Low Substandard |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |
8- Doubtful |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |
9- Loss |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | 145 |  |  |  | - |  |  |  | 145 |
Total |  | $ | 93,812 |  |  |  | 212,993 |  |  |  | 54,058 |  |  |  | 214,415 |  |  |  | 4,793 |  |  |  | 60,646 |  |  |  | 10,490 |  |  |  | 19,290 |  |  |  | 670,497 |
Analysis of TDR loans by loan type |
December 31, 2012 |  |  |  |  |  |  |  |  |
(Dollars in thousands) |  |  |  |  |  |  |  |  |
|  | Number of Contracts |  |  | Pre-Modification Outstanding Recorded Investment |  |  | Post-Modification Outstanding Recorded Investment |
Real estate loans |  |  |  |  |  |  |  |  |
Construction and land development |  |  | 11 |  |  | $ | 10,465 |  |  |  | 6,633 |
Single-family residential |  |  | 33 |  |  |  | 3,014 |  |  |  | 4,084 |
Single-family residential - |  |  |  |  |  |  |  |  |  |  |  |
Banco de la Gente stated income |  |  | 122 |  |  |  | 13,459 |  |  |  | 12,170 |
Commercial |  |  | 4 |  |  |  | 1,457 |  |  |  | 682 |
Total real estate TDR loans |  |  | 170 |  |  |  | 28,395 |  |  |  | 23,569 |
Commercial loans (not secured by real estate) |  |  | 9 |  |  |  | 511 |  |  |  | 368 |
Consumer loans (not secured by real estate) |  |  | 1 |  |  |  | 2 |  |  |  | - |
Total TDR loans |  |  | 180 |  |  | $ | 28,908 |  |  |  | 23,937 |
December 31, 2012 |  |  |  |  |  |  |  |  |
(Dollars in thousands) |  |  |  |  |  |  |  |  |
|  | Number of Contracts |  |  | Pre-Modification Outstanding Recorded Investment |  |  | Post-Modification Outstanding Recorded Investment |
Real estate loans |  |  |  |  |  |  |  |  |
Single-family residential |  |  | 5 |  |  | $ | 674 |  |  |  | 673 |
Single-family residential - |  |  |  |  |  |  |  |  |  |  |  |
Banco de la Gente stated income |  |  | 20 |  |  |  | 2,046 |  |  |  | 1,992 |
Total real estate TDR loans |  |  | 25 |  |  |  | 2,720 |  |  |  | 2,665 |
Commercial loans (not secured by real estate) |  |  | 1 |  |  |  | 14 |  |  |  | 13 |
Total TDR loans |  |  | 26 |  |  | $ | 2,734 |  |  |  | 2,678 |
December 31, 2011 |  |  |  |  |  |  |  |  |
(Dollars in thousands) |  |  |  |  |  |  |  |  |
|  | Number of Contracts |  |  | Pre-Modification Outstanding Recorded Investment |  |  | Post-Modification Outstanding Recorded Investment |
Real estate loans |  |  |  |  |  |  |  |  |
Construction and land development |  |  | 29 |  |  | $ | 19,762 |  |  |  | 12,840 |
Single-family residential |  |  | 48 |  |  |  | 4,684 |  |  |  | 5,244 |
Single-family residential - |  |  |  |  |  |  |  |  |  |  |  |
Banco de la Gente stated income |  |  | 193 |  |  |  | 20,857 |  |  |  | 19,602 |
Commercial |  |  | 15 |  |  |  | 7,200 |  |  |  | 5,013 |
Multifamily and farmland |  |  | 1 |  |  |  | 322 |  |  |  | 209 |
Total real estate TDR loans |  |  | 286 |  |  |  | 52,825 |  |  |  | 42,908 |
Commercial loans (not secured by real estate) |  |  | 21 |  |  |  | 1,711 |  |  |  | 1,083 |
Consumer loans (not secured by real estate) |  |  | 8 |  |  |  | 124 |  |  |  | 142 |
Total TDR loans |  |  | 315 |  |  | $ | 54,660 |  |  |  | 44,133 |

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