XML 97 R27.htm IDEA: XBRL DOCUMENT
v2.4.1.9

3. Loans (Tables) | 12 Months Ended
--- | ---
Dec. 31, 2014
Loans Tables |
Major classifications of loans | Major classifications of loans at December 31, 2014 and 2013 are summarized as follows:
(Dollars in thousands) |  |  |
| December 31, 2014 |  | December 31, 2013
Real estate loans: |  |  |
Construction and land development | $ | 57,617 |  | 63,742
Single-family residential |  | 206,417 |  | 195,975
Single-family residential - |  |  |  |
Banco de la Gente stated income |  | 47,015 |  | 49,463
Commercial |  | 228,558 |  | 209,287
Multifamily and farmland |  | 12,400 |  | 11,801
Total real estate loans |  | 552,007 |  | 530,268
Loans not secured by real estate: |  |  |  |
Commercial loans |  | 76,262 |  | 68,047
Farm loans |  | 7 |  | 19
Consumer loans |  | 10,060 |  | 9,593
All other loans |  | 13,555 |  | 13,033
Total loans |  | 651,891 |  | 620,960
Less allowance for loan losses |  | 11,082 |  | 13,501
Total net loans | $ | 640,809 |  | 607,459
Age analysis of past due loans, by loan type | The following tables present an age analysis of past due loans, by loan type, as of December 31, 2014 and 2013:
December 31, 2014 |  |  |  |  |  |  |  |
(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 | $ | 294 |  | 3,540 |  | 3,834 |  | 53,783 |  | 57,617 |  | -
Single-family residential |  | 5,988 |  | 268 |  | 6,256 |  | 200,161 |  | 206,417 |  | -
Single-family residential - |  |  |  |  |  |  |  |  |  |  |  |
Banco de la Gente stated income |  | 8,998 |  | 610 |  | 9,608 |  | 37,407 |  | 47,015 |  | -
Commercial |  | 3,205 |  | 366 |  | 3,571 |  | 224,987 |  | 228,558 |  | -
Multifamily and farmland |  | 85 |  | - |  | 85 |  | 12,315 |  | 12,400 |  | -
Total real estate loans |  | 18,570 |  | 4,784 |  | 23,354 |  | 528,653 |  | 552,007 |  | -
Loans not secured by real estate: |  |  |  |  |  |  |  |  |  |  |  |
Commercial loans |  | 241 |  | 49 |  | 290 |  | 75,972 |  | 76,262 |  | -
Farm loans |  | - |  | - |  | - |  | 7 |  | 7 |  | -
Consumer loans |  | 184 |  | - |  | 184 |  | 9,876 |  | 10,060 |  | -
All other loans |  | - |  | - |  | - |  | 13,555 |  | 13,555 |  | -
Total loans | $ | 18,995 |  | 4,833 |  | 23,828 |  | 628,063 |  | 651,891 |  | -
December 31, 2013 |  |  |  |  |  |  |  |  |  |  |  |
(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 | $ | 3,416 |  | 5,426 |  | 8,842 |  | 54,900 |  | 63,742 |  | -
Single-family residential |  | 4,518 |  | 1,555 |  | 6,073 |  | 189,902 |  | 195,975 |  | -
Single-family residential - |  |  |  |  |  |  |  |  |  |  |  |
Banco de la Gente stated income |  | 9,833 |  | 1,952 |  | 11,785 |  | 37,678 |  | 49,463 |  | 881
Commercial |  | 1,643 |  | 486 |  | 2,129 |  | 207,158 |  | 209,287 |  | -
Multifamily and farmland |  | 177 |  | - |  | 177 |  | 11,624 |  | 11,801 |  | -
Total real estate loans |  | 19,587 |  | 9,419 |  | 29,006 |  | 501,262 |  | 530,268 |  | 881
Loans not secured by real estate: |  |  |  |  |  |  |  |  |  |  |  |
Commercial loans |  | 424 |  | 29 |  | 453 |  | 67,594 |  | 68,047 |  | -
Farm loans |  | - |  | - |  | - |  | 19 |  | 19 |  | -
Consumer loans |  | 181 |  | 3 |  | 184 |  | 9,409 |  | 9,593 |  | 1
All other loans |  | - |  | - |  | - |  | 13,033 |  | 13,033 |  | -
Total loans | $ | 20,192 |  | 9,451 |  | 29,643 |  | 591,317 |  | 620,960 |  | 882
Non-accrual loans | The following table presents the Bank’s non-accrual loans as of December 31, 2014 and 2013:
(Dollars in thousands) |  |  |
| December 31, 2014 |  | December 31, 2013
Real estate loans: |  |  |
Construction and land development | $ | 3,854 |  | 6,546
Single-family residential |  | 2,370 |  | 2,980
Single-family residential - |  |  |  |
Banco de la Gente stated income |  | 1,545 |  | 1,990
Commercial |  | 2,598 |  | 2,043
Multifamily and farmland |  | 110 |  | -
Total real estate loans |  | 10,477 |  | 13,559
Loans not secured by real estate: |  |  |  |
Commercial loans |  | 176 |  | 250
Consumer loans |  | 75 |  | 27
Total | $ | 10,728 |  | 13,836
Impaired loans | The following tables present the Bank’s impaired loans as of December 31, 2014 and 2013:
December 31, 2014 |  |  |  |  |  |  |  |  |  |
(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 | $ | 5,481 |  | 3,639 |  | 555 |  | 4,194 |  | 31 |  | 5,248
Single-family residential |  | 6,717 |  | 933 |  | 5,540 |  | 6,473 |  | 154 |  | 7,430
Single-family residential - |  |  |  |  |  |  |  |  |  |  |  |
Banco de la Gente stated income |  | 21,243 |  | - |  | 20,649 |  | 20,649 |  | 1,191 |  | 19,964
Commercial |  | 4,752 |  | 1,485 |  | 2,866 |  | 4,351 |  | 272 |  | 4,399
Multifamily and farmland |  | 111 |  | - |  | 110 |  | 110 |  | 1 |  | 154
Total impaired real estate loans |  | 38,304 |  | 6,057 |  | 29,720 |  | 35,777 |  | 1,649 |  | 37,195
Loans not secured by real estate: |  |  |  |  |  |  |  |  |  |  |  |
Commercial loans |  | 218 |  | - |  | 201 |  | 201 |  | 4 |  | 641
Consumer loans |  | 318 |  | - |  | 313 |  | 313 |  | 5 |  | 309
Total impaired loans | $ | 38,840 |  | 6,057 |  | 30,234 |  | 36,291 |  | 1,658 |  | 38,145
December 31, 2013 |  |  |  |  |  |  |  |  |  |
(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 | $ | 9,861 |  | 6,293 |  | 868 |  | 7,161 |  | 53 |  | 8,289
Single-family residential |  | 7,853 |  | 1,428 |  | 5,633 |  | 7,061 |  | 123 |  | 7,859
Single-family residential - |  |  |  |  |  |  |  |  |  |  |  |
Banco de la Gente stated income |  | 22,034 |  | - |  | 21,242 |  | 21,242 |  | 1,300 |  | 21,242
Commercial |  | 5,079 |  | 3,045 |  | 1,489 |  | 4,534 |  | 182 |  | 4,171
Multifamily and farmland |  | 177 |  | - |  | 177 |  | 177 |  | 1 |  | 184
Total impaired real estate loans |  | 45,004 |  | 10,766 |  | 29,409 |  | 40,175 |  | 1,659 |  | 41,745
Loans not secured by real estate: |  |  |  |  |  |  |  |  |  |  |  |
Commercial loans |  | 999 |  | 257 |  | 724 |  | 981 |  | 15 |  | 826
Consumer loans |  | 302 |  | 264 |  | 35 |  | 299 |  | 1 |  | 247
Total impaired loans | $ | 46,305 |  | 11,287 |  | 30,168 |  | 41,455 |  | 1,675 |  | 42,818
Fair value measurements for impaired loans and other real estate on a non-recurring basis |
(Dollars in thousands) |  |  |  |  |  |  |  |  |
| Fair Value Measurements December 31, 2014 |  | Level 1 Valuation |  | Level 2 Valuation |  | Level 3 Valuation |  | Total Gains/(Losses) for the Year Ended December 31, 2014
Impaired loans | $ | 34,633 |  | - |  | - |  | 34,633 |  | (1,444 | )
Other real estate | $ | 2,016 |  | - |  | - |  | 2,016 |  | (622 | )
(Dollars in thousands) |  |  |  |  |  |  |  |  |
| Fair Value Measurements December 31, 2013 |  | Level 1 Valuation |  | Level 2 Valuation |  | Level 3 Valuation |  | Total Gains/(Losses) for the Year Ended December 31, 2013
Impaired loans | $ | 39,780 |  | - |  | - |  | 39,780 |  | (3,207 | )
Other real estate | $ | 1,679 |  | - |  | - |  | 1,679 |  | (581 | )
Changes in the allowance for loan losses | Changes in the allowance for loan losses for the year ended December 31, 2014 were as follows:
(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 | $ | 3,218 |  | 3,123 |  | 1,863 |  | 2,219 |  | 37 |  | 1,069 |  | - |  | 245 |  | 1,727 |  | 13,501 |
Charge-offs |  | (884 | ) | (309 | ) | (190 | ) | (290 | ) | - |  | (430 | ) | - |  | (534 | ) | - |  | (2,637 | )
Recoveries |  | 428 |  | 72 |  | 16 |  | 171 |  | - |  | 54 |  | - |  | 176 |  | - |  | 917 |
Provision |  | 23 |  | (320 | ) | (79 | ) | (198 | ) | (30 | ) | 405 |  | - |  | 346 |  | (846 | ) | (699 | )
Ending balance | $ | 2,785 |  | 2,566 |  | 1,610 |  | 1,902 |  | 7 |  | 1,098 |  | - |  | 233 |  | 881 |  | 11,082 |
Ending balance: individually |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
evaluated for impairment | $ | - |  | 82 |  | 1,155 |  | 260 |  | - |  | - |  | - |  | - |  | - |  | 1,497 |
Ending balance: collectively |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
evaluated for impairment |  | 2,785 |  | 2,484 |  | 455 |  | 1,642 |  | 7 |  | 1,098 |  | - |  | 233 |  | 881 |  | 9,585 |
Ending balance | $ | 2,785 |  | 2,566 |  | 1,610 |  | 1,902 |  | 7 |  | 1,098 |  | - |  | 233 |  | 881 |  | 11,082 |
Loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Ending balance | $ | 57,617 |  | 206,417 |  | 47,015 |  | 228,558 |  | 12,400 |  | 76,262 |  | 7 |  | 23,615 |  | - |  | 651,891 |
Ending balance: individually |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
evaluated for impairment | $ | 3,639 |  | 2,298 |  | 18,884 |  | 3,345 |  | - |  | - |  | - |  | - |  | - |  | 28,166 |
Ending balance: collectively |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
evaluated for impairment | $ | 53,978 |  | 204,119 |  | 28,131 |  | 225,213 |  | 12,400 |  | 76,262 |  | 7 |  | 23,615 |  | - |  | 623,725 |
Changes in the allowance for loan losses for the year ended December 31, 2013 were as follows:
(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 | $ | 4,399 |  | 3,231 |  | 1,998 |  | 2,049 |  | 28 |  | 1,088 |  | - |  | 245 |  | 1,385 |  | 14,423 |
Charge-offs |  | (777 | ) | (1,724 | ) | (272 | ) | (445 | ) | - |  | (502 | ) | - |  | (652 | ) | - |  | (4,372 | )
Recoveries |  | 377 |  | 111 |  | 141 |  | 50 |  | - |  | 44 |  | - |  | 143 |  | - |  | 866 |
Provision |  | (781 | ) | 1,505 |  | (4 | ) | 565 |  | 9 |  | 439 |  | - |  | 509 |  | 342 |  | 2,584 |
Ending balance | $ | 3,218 |  | 3,123 |  | 1,863 |  | 2,219 |  | 37 |  | 1,069 |  | - |  | 245 |  | 1,727 |  | 13,501 |
Ending balance: individually |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
evaluated for impairment | $ | - |  | 39 |  | 1,268 |  | 171 |  | - |  | - |  | - |  | - |  | - |  | 1,478 |
Ending balance: collectively |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
evaluated for impairment |  | 3,218 |  | 3,084 |  | 595 |  | 2,048 |  | 37 |  | 1,069 |  | - |  | 245 |  | 1,727 |  | 12,023 |
Ending balance | $ | 3,218 |  | 3,123 |  | 1,863 |  | 2,219 |  | 37 |  | 1,069 |  | - |  | 245 |  | 1,727 |  | 13,501 |
Loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Ending balance | $ | 63,742 |  | 195,975 |  | 49,463 |  | 209,287 |  | 11,801 |  | 68,047 |  | 19 |  | 22,626 |  | - |  | 620,960 |
Ending balance: individually |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
evaluated for impairment | $ | 6,293 |  | 3,127 |  | 19,958 |  | 3,767 |  | - |  | 256 |  | - |  | 265 |  | - |  | 33,666 |
Ending balance: collectively |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
evaluated for impairment | $ | 57,449 |  | 192,848 |  | 29,505 |  | 205,520 |  | 11,801 |  | 67,791 |  | 19 |  | 22,361 |  | - |  | 587,294 |
Changes in the allowance for loan losses for the year ended December 31, 2012 were as follows:
(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 |
Allowance for loan losses: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
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 |
Credit risk profile of each loan type based on internally assigned risk grade | The following tables present the credit risk profile of each loan type based on internally assigned risk grades as of December 31, 2014 and 2013.
December 31, 2014 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
(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 | $ | - |  | 15,099 |  | - |  | - |  | - |  | 924 |  | - |  | 1,232 |  | - |  | 17,255
2- High Quality |  | 6,741 |  | 74,367 |  | - |  | 39,888 |  | 241 |  | 18,730 |  | - |  | 3,576 |  | 1,860 |  | 145,403
3- Good Quality |  | 24,641 |  | 74,453 |  | 21,022 |  | 142,141 |  | 8,376 |  | 44,649 |  | 7 |  | 4,549 |  | 8,055 |  | 327,893
4- Management Attention |  | 13,013 |  | 30,954 |  | 12,721 |  | 36,433 |  | 1,001 |  | 11,312 |  | - |  | 566 |  | 3,640 |  | 109,640
5- Watch |  | 9,294 |  | 5,749 |  | 5,799 |  | 6,153 |  | 2,672 |  | 383 |  | - |  | 46 |  | - |  | 30,096
6- Substandard |  | 3,928 |  | 5,795 |  | 7,473 |  | 3,943 |  | 110 |  | 264 |  | - |  | 87 |  | - |  | 21,600
7- Doubtful |  | - |  | - |  | - |  | - |  | - |  | - |  | - |  | - |  | - |  | -
8- Loss |  | - |  | - |  | - |  | - |  | - |  | - |  | - |  | 4 |  | - |  | 4
Total | $ | 57,617 |  | 206,417 |  | 47,015 |  | 228,558 |  | 12,400 |  | 76,262 |  | 7 |  | 10,060 |  | 13,555 |  | 651,891
December 31, 2013 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
(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 | $ | 7 |  | 15,036 |  | - |  | - |  | - |  | 365 |  | - |  | 1,270 |  | - |  | 16,678
2- High Quality |  | 7,852 |  | 60,882 |  | - |  | 33,340 |  | 715 |  | 8,442 |  | - |  | 3,519 |  | 2,139 |  | 116,889
3- Good Quality |  | 22,899 |  | 73,118 |  | 22,255 |  | 123,604 |  | 7,882 |  | 44,353 |  | 19 |  | 4,061 |  | 8,565 |  | 306,756
4- Management Attention |  | 14,464 |  | 34,090 |  | 8,369 |  | 42,914 |  | 286 |  | 13,704 |  | - |  | 358 |  | 2,329 |  | 116,514
5- Watch |  | 8,163 |  | 6,806 |  | 8,113 |  | 5,190 |  | 2,741 |  | 320 |  | - |  | 50 |  | - |  | 31,383
6- Substandard |  | 10,357 |  | 6,043 |  | 10,726 |  | 4,239 |  | 177 |  | 863 |  | - |  | 330 |  | - |  | 32,735
7- Doubtful |  | - |  | - |  | - |  | - |  | - |  | - |  | - |  | - |  | - |  | -
8- Loss |  | - |  | - |  | - |  | - |  | - |  | - |  | - |  | 5 |  | - |  | 5
Total | $ | 63,742 |  | 195,975 |  | 49,463 |  | 209,287 |  | 11,801 |  | 68,047 |  | 19 |  | 9,593 |  | 13,033 |  | 620,960
Analysis of TDR loans by loan type | The following tables present an analysis of loan modifications during the years ended December 31, 2014 and 2013:
Year ended December 31, 2014 |  |  |  |  |
(Dollars in thousands) |  |  |  |  |
| Number of Contracts |  | Pre-Modification Outstanding Recorded Investment |  | Post-Modification Outstanding Recorded Investment
Real estate loans: |  |  |  |  |
Construction and land development | 1 |  | $ | 291 |  | 266
Single-family residential | 2 |  |  | 849 |  | 845
Single-family residential - |  |  |  |  |  |
Banco de la Gente stated income | 3 |  |  | 281 |  | 278
Total real estate TDR loans | 6 |  |  | 1,421 |  | 1,389
Total TDR loans | 6 |  | $ | 1,421 |  | 1,389
Year ended December 31, 2013 |  |  |  |  |
(Dollars in thousands) |  |  |  |  |
| Number of Contracts |  | Pre-Modification Outstanding Recorded Investment |  | Post-Modification Outstanding Recorded Investment
Real estate loans: |  |  |  |  |
Construction and land development | 2 |  | $ | 841 |  | 824
Single-family residential - |  |  |  |  |  |
Banco de la Gente stated income | 7 |  |  | 796 |  | 788
Total real estate TDR loans | 9 |  |  | 1,637 |  | 1,612
Total TDR loans | 9 |  | $ | 1,637 |  | 1,612

X
- Definition Custom Element. + References No definition available. + Details
Name: | PEBK_FairValueMeasurementsForImpairedLoansAndOtherRealEstate
Namespace Prefix: | PEBK_
Data Type: | nonnum:textBlockItemType
Balance Type: | na
Period Type: | duration

X
- Details
Name: | PEBK_LoansTablesAbstract
Namespace Prefix: | PEBK_
Data Type: | xbrli:stringItemType
Balance Type: | na
Period Type: | duration

X
- Definition Tabular disclosure of financing receivables (examples of financing receivables include loans, trade accounts receivable and notes receivable) and activity in the allowance for credit losses account. + References Reference 1: http://www.xbrl.org/2003/role/presentationRef -Publisher FASB -Name Accounting Standards Codification -Topic 310 -SubTopic 10 -Section 50 -Paragraph 11B -URI http://asc.fasb.org/extlink&oid=35738203&loc=SL6953423-111524 + Details
Name: | us-gaap_AllowanceForCreditLossesOnFinancingReceivablesTableTextBlock
Namespace Prefix: | us-gaap_
Data Type: | nonnum:textBlockItemType
Balance Type: | na
Period Type: | duration

X
- 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. + References Reference 1: http://www.xbrl.org/2003/role/presentationRef -Publisher FASB -Name Accounting Standards Codification -Topic 310 -SubTopic 10 -Section 50 -Paragraph 29 -URI http://asc.fasb.org/extlink&oid=35738203&loc=SL6953659-111524 Reference 2: http://www.xbrl.org/2003/role/presentationRef -Publisher FASB -Name Accounting Standards Codification -Topic 310 -SubTopic 10 -Section 55 -Paragraph 19 -URI http://asc.fasb.org/extlink&oid=32702940&loc=SL6953803-111525 + Details
Name: | us-gaap_FinancingReceivableCreditQualityIndicatorsTableTextBlock
Namespace Prefix: | us-gaap_
Data Type: | nonnum:textBlockItemType
Balance Type: | na
Period Type: | duration

X
- Definition Tabular disclosure of impaired financing receivables. + References Reference 1: http://www.xbrl.org/2003/role/presentationRef -Publisher FASB -Name Accounting Standards Codification -Topic 310 -SubTopic 10 -Section 50 -Paragraph 15 -URI http://asc.fasb.org/extlink&oid=35738203&loc=d3e5212-111524 + Details
Name: | us-gaap_ImpairedFinancingReceivablesTableTextBlock
Namespace Prefix: | us-gaap_
Data Type: | nonnum:textBlockItemType
Balance Type: | na
Period Type: | duration

X
- Definition 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 -Topic 310 -SubTopic 10 -Section 50 -Paragraph 7 -URI http://asc.fasb.org/extlink&oid=35738203&loc=d3e5111-111524 Reference 2: http://www.xbrl.org/2003/role/presentationRef -Publisher FASB -Name Accounting Standards Codification -Topic 310 -SubTopic 10 -Section 50 -Paragraph 7A -URI http://asc.fasb.org/extlink&oid=35738203&loc=SL6953401-111524 + Details
Name: | us-gaap_PastDueFinancingReceivablesTableTextBlock
Namespace Prefix: | us-gaap_
Data Type: | nonnum:textBlockItemType
Balance Type: | na
Period Type: | duration

X
- Definition 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 -Topic 210 -SubTopic 10 -Section S99 -Paragraph 1 -Subparagraph (SX 210.5-02.3,4) -URI http://asc.fasb.org/extlink&oid=6877327&loc=d3e13212-122682 Reference 2: http://www.xbrl.org/2003/role/presentationRef -Publisher SEC -Name Regulation S-X (SX) -Number 210 -Section 02 -Paragraph 3, 4 -Article 5 + Details
Name: | us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTextBlock
Namespace Prefix: | us-gaap_
Data Type: | nonnum:textBlockItemType
Balance Type: | na
Period Type: | duration

X
- Definition Tabular disclosure of nonaccrual and past due financing receivables (such as loans and trade receivables), including: (a) the recorded investment in loans and trade receivables, if applicable, on nonaccrual status as of each balance sheet date (b) the recorded investment in loans and trade receivables, if applicable, past due 90 days or more and still accruing. + References Reference 1: http://www.xbrl.org/2003/role/presentationRef -Publisher FASB -Name Accounting Standards Codification -Topic 310 -SubTopic 10 -Section 50 -Paragraph 7 -URI http://asc.fasb.org/extlink&oid=35738203&loc=d3e5111-111524 + Details
Name: | us-gaap_ScheduleOfFinancingReceivablesNonAccrualStatusTableTextBlock
Namespace Prefix: | us-gaap_
Data Type: | nonnum:textBlockItemType
Balance Type: | na
Period Type: | duration

X
- Definition Tabular disclosure of financing receivables and troubled debt restructurings. + References Reference 1: http://www.xbrl.org/2003/role/presentationRef -Publisher FASB -Name Accounting Standards Codification -Topic 310 -SubTopic 10 -Section 50 -Paragraph 34 -URI http://asc.fasb.org/extlink&oid=35738203&loc=SL6953682-111524 Reference 2: http://www.xbrl.org/2003/role/presentationRef -Publisher FASB -Name Accounting Standards Codification -Topic 310 -SubTopic 10 -Section 50 -Paragraph 33 -URI http://asc.fasb.org/extlink&oid=35738203&loc=SL6953676-111524 + Details
Name: | us-gaap_TroubledDebtRestructuringsOnFinancingReceivablesTableTextBlock
Namespace Prefix: | us-gaap_
Data Type: | nonnum:textBlockItemType
Balance Type: | na
Period Type: | duration