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3. Loans (Tables) | 9 Months Ended
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Sep. 30, 2015
Receivables [Abstract] |
Major classifications of loans |
(Dollars in thousands) |  |  |  |  |  |
|  | September 30, 2015 |  |  | December 31, 2014 |
Real estate loans: |  |  |  |  |  |
Construction and land development |  | $ | 61,748 |  |  |  | 57,617 |
Single-family residential |  |  | 218,365 |  |  |  | 206,417 |
Single-family residential - |  |  |  |  |  |  |  |
Banco de la Gente stated income |  |  | 44,433 |  |  |  | 47,015 |
Commercial |  |  | 234,003 |  |  |  | 228,558 |
Multifamily and farmland |  |  | 14,003 |  |  |  | 12,400 |
Total real estate loans |  |  | 572,552 |  |  |  | 552,007 |
Loans not secured by real estate: |  |  |  |  |  |  |  |
Commercial loans |  |  | 88,931 |  |  |  | 76,262 |
Farm loans |  |  | 3 |  |  |  | 7 |
Consumer loans |  |  | 10,047 |  |  |  | 10,060 |
All other loans |  |  | 13,267 |  |  |  | 13,555 |
Total loans |  |  | 684,800 |  |  |  | 651,891 |
Less allowance for loan losses |  |  | 10,420 |  |  |  | 11,082 |
Total net loans |  | $ | 674,380 |  |  |  | 640,809 |
Age analysis of past due loans, by loan type |
September 30, 2015 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
(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 |  | $ | 383 |  |  |  | 273 |  |  |  | 656 |  |  |  | 61,092 |  |  |  | 61,748 |  |  |  | 197
Single-family residential |  |  | 1,779 |  |  |  | 1,463 |  |  |  | 3,242 |  |  |  | 215,123 |  |  |  | 218,365 |  |  |  | -
Single-family residential - |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Banco de la Gente stated income |  |  | 1,588 |  |  |  | 246 |  |  |  | 1,834 |  |  |  | 42,599 |  |  |  | 44,433 |  |  |  | -
Commercial |  |  | 602 |  |  |  | 142 |  |  |  | 744 |  |  |  | 233,259 |  |  |  | 234,003 |  |  |  | -
Multifamily and farmland |  |  | 117 |  |  |  | - |  |  |  | 117 |  |  |  | 13,886 |  |  |  | 14,003 |  |  |  | -
Total real estate loans |  |  | 4,469 |  |  |  | 2,124 |  |  |  | 6,593 |  |  |  | 565,959 |  |  |  | 572,552 |  |  |  | 197
Loans not secured by real estate: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial loans |  |  | 323 |  |  |  | 29 |  |  |  | 352 |  |  |  | 88,579 |  |  |  | 88,931 |  |  |  | 29
Farm loans |  |  | - |  |  |  | - |  |  |  | - |  |  |  | 3 |  |  |  | 3 |  |  |  | -
Consumer loans |  |  | 204 |  |  |  | 18 |  |  |  | 222 |  |  |  | 9,825 |  |  |  | 10,047 |  |  |  | -
All other loans |  |  | - |  |  |  | - |  |  |  | - |  |  |  | 13,267 |  |  |  | 13,267 |  |  |  | -
Total loans |  | $ | 4,996 |  |  |  | 2,171 |  |  |  | 7,167 |  |  |  | 677,633 |  |  |  | 684,800 |  |  |  | 226
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 |  |  |  | -
Non-accrual loans |
(Dollars in thousands) |  |  |
| September 30, 2015 |  | December 31, 2014
Real estate loans: |  |  |
Construction and land development | $ | 209 |  | 3,854
Single-family residential |  | 3,335 |  | 2,370
Single-family residential - |  |  |  |
Banco de la Gente stated income |  | 1,955 |  | 1,545
Commercial |  | 2,598 |  | 2,598
Multifamily and farmland |  | - |  | 110
Total real estate loans |  | 8,097 |  | 10,477
Loans not secured by real estate: |  |  |  |
Commercial loans |  | 102 |  | 176
Consumer loans |  | 67 |  | 75
Total | $ | 8,266 |  | 10,728
Impaired loans |
September 30, 2015 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
(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 |  | $ | 643 |  |  |  | 241 |  |  |  | 289 |  |  |  | 530 |  |  |  | 19 |  |  |  | 1,638
Single-family residential |  |  | 8,828 |  |  |  | 1,496 |  |  |  | 7,287 |  |  |  | 8,783 |  |  |  | 201 |  |  |  | 9,483
Single-family residential - |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Banco de la Gente stated income |  |  | 20,375 |  |  |  | - |  |  |  | 19,572 |  |  |  | 19,572 |  |  |  | 1,155 |  |  |  | 19,114
Commercial |  |  | 4,556 |  |  |  | - |  |  |  | 4,172 |  |  |  | 4,172 |  |  |  | 234 |  |  |  | 4,948
Multifamily and farmland |  |  | 96 |  |  |  | - |  |  |  | 93 |  |  |  | 93 |  |  |  | - |  |  |  | 100
Total impaired real estate loans |  |  | 34,498 |  |  |  | 1,737 |  |  |  | 31,413 |  |  |  | 33,150 |  |  |  | 1,609 |  |  |  | 35,283
Loans not secured by real estate: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial loans |  |  | 180 |  |  |  | - |  |  |  | 154 |  |  |  | 154 |  |  |  | 3 |  |  |  | 149
Consumer loans |  |  | 286 |  |  |  | - |  |  |  | 280 |  |  |  | 280 |  |  |  | 5 |  |  |  | 298
Total impaired loans |  | $ | 34,964 |  |  |  | 1,737 |  |  |  | 31,847 |  |  |  | 33,584 |  |  |  | 1,617 |  |  |  | 35,730
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
All other loans (not secured by real estate) |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | -
Total impaired loans |  | $ | 38,840 |  |  |  | 6,057 |  |  |  | 30,234 |  |  |  | 36,291 |  |  |  | 1,658 |  |  |  | 38,145
Changes in the allowance for loan losses | Changes in the allowance for loan losses for the three and nine months ended September 30, 2015 and 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 |
Nine months ended September 30, 2015 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Allowance for loan losses: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Beginning balance | $ | 2,785 |  | 2,566 |  | 1,610 |  | 1,902 |  | 7 |  | 1,098 |  | - |  | 233 |  | 881 |  | 11,082 |
Charge-offs |  | (198 | ) | (447 | ) | (59 | ) | (62 | ) | - |  | (16 | ) | - |  | (394 | ) | - |  | (1,176 | )
Recoveries |  | 43 |  | 30 |  | 22 |  | 15 |  | - |  | 96 |  | - |  | 115 |  | - |  | 321 |
Provision |  | 119 |  | 676 |  | (113 | ) | 75 |  | (2 | ) | (297 | ) | - |  | 258 |  | (523 | ) | 193 |
Ending balance | $ | 2,749 |  | 2,825 |  | 1,460 |  | 1,930 |  | 5 |  | 881 |  | - |  | 212 |  | 358 |  | 10,420 |
Three months ended September 30, 2015 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Allowance for loan losses: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Beginning balance | $ | 2,924 |  | 2,456 |  | 1,528 |  | 1,749 |  | 2 |  | 902 |  | - |  | 231 |  | 586 |  | 10,378 |
Charge-offs |  | (110 | ) | (48 | ) | - |  | - |  | - |  | (1 | ) | - |  | (156 | ) | - |  | (315 | )
Recoveries |  | 20 |  | 21 |  | - |  | 5 |  | - |  | 43 |  | - |  | 33 |  | - |  | 122 |
Provision |  | (85 | ) | 396 |  | (68 | ) | 176 |  | 3 |  | (63 | ) | - |  | 104 |  | (228 | ) | 235 |
Ending balance | $ | 2,749 |  | 2,825 |  | 1,460 |  | 1,930 |  | 5 |  | 881 |  | - |  | 212 |  | 358 |  | 10,420 |
Allowance for loan losses September 30, 2015: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Ending balance: individually |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
evaluated for impairment | $ | - |  | 96 |  | 1,128 |  | 227 |  | - |  | - |  | - |  | - |  | - |  | 1,451 |
Ending balance: collectively |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
evaluated for impairment |  | 2,749 |  | 2,729 |  | 332 |  | 1,703 |  | 5 |  | 881 |  | - |  | 212 |  | 358 |  | 8,969 |
Ending balance | $ | 2,749 |  | 2,825 |  | 1,460 |  | 1,930 |  | 5 |  | 881 |  | - |  | 212 |  | 358 |  | 10,420 |
Loans September 30, 2015: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Ending balance | $ | 61,748 |  | 218,365 |  | 44,433 |  | 234,003 |  | 14,003 |  | 88,931 |  | 3 |  | 23,314 |  | - |  | 684,800 |
Ending balance: individually |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
evaluated for impairment | $ | 241 |  | 2,944 |  | 18,193 |  | 3,525 |  | - |  | - |  | - |  | - |  | - |  | 24,903 |
Ending balance: collectively |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
evaluated for impairment | $ | 61,507 |  | 215,421 |  | 26,240 |  | 230,478 |  | 14,003 |  | 88,931 |  | 3 |  | 23,314 |  | - |  | 659,897 |
(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 |
Nine months ended September 30, 2014 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Allowance for loan losses: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Beginning balance | $ | 3,218 |  | 3,123 |  | 1,863 |  | 2,219 |  | 37 |  | 1,069 |  | - |  | 245 |  | 1,727 |  | 13,501 |
Charge-offs |  | (772 | ) | (223 | ) | (148 | ) | (181 | ) | - |  | (197 | ) | - |  | (399 | ) | - |  | (1,920 | )
Recoveries |  | 389 |  | 64 |  | 17 |  | 165 |  | - |  | 42 |  | - |  | 112 |  | - |  | 789 |
Provision |  | 239 |  | (230 | ) | (60 | ) | (435 | ) | (29 | ) | 240 |  | - |  | 282 |  | (34 | ) | (27 | )
Ending balance | $ | 3,074 |  | 2,734 |  | 1,672 |  | 1,768 |  | 8 |  | 1,154 |  | - |  | 240 |  | 1,693 |  | 12,343 |
Three months ended September 30, 2014 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Allowance for loan losses: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Beginning balance | $ | 3,387 |  | 2,848 |  | 1,708 |  | 1,839 |  | 7 |  | 1,081 |  | - |  | 253 |  | 1,552 |  | 12,675 |
Charge-offs |  | (513 | ) | (30 | ) | (7 | ) | (51 | ) | - |  | (4 | ) | - |  | (144 | ) | - |  | (749 | )
Recoveries |  | 107 |  | 2 |  | - |  | 4 |  | - |  | 15 |  | - |  | 33 |  | - |  | 161 |
Provision |  | 93 |  | (86 | ) | (29 | ) | (24 | ) | 1 |  | 62 |  | - |  | 98 |  | 141 |  | 256 |
Ending balance | $ | 3,074 |  | 2,734 |  | 1,672 |  | 1,768 |  | 8 |  | 1,154 |  | - |  | 240 |  | 1,693 |  | 12,343 |
Allowance for loan losses at September 30, 2014: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Ending balance: individually |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
evaluated for impairment | $ | - |  | 67 |  | 1,164 |  | 182 |  | - |  | - |  | - |  | - |  | - |  | 1,413 |
Ending balance: collectively |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
evaluated for impairment |  | 3,074 |  | 2,667 |  | 508 |  | 1,586 |  | 8 |  | 1,154 |  | - |  | 240 |  | 1,693 |  | 10,930 |
Ending balance | $ | 3,074 |  | 2,734 |  | 1,672 |  | 1,768 |  | 8 |  | 1,154 |  | - |  | 240 |  | 1,693 |  | 12,343 |
Loans at September 30, 2014: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Ending balance | $ | 56,959 |  | 202,797 |  | 47,665 |  | 227,183 |  | 10,887 |  | 78,139 |  | 10 |  | 26,910 |  | - |  | 650,550 |
Ending balance: individually |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
evaluated for impairment | $ | 3,808 |  | 2,312 |  | 19,083 |  | 3,563 |  | - |  | - |  | - |  | - |  | - |  | 28,766 |
Ending balance: collectively |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
evaluated for impairment | $ | 53,151 |  | 200,485 |  | 28,582 |  | 223,620 |  | 10,887 |  | 78,139 |  | 10 |  | 26,910 |  | - |  | 621,784 |
Credit risk profile of each loan type based on internally assigned risk grade |
September 30, 2015 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
(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 |  | $ | - |  |  |  | 13,031 |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | 645 |  |  |  | - |  |  |  | 1,224 |  |  |  | - |  |  |  | 14,900
2- High Quality |  |  | 8,448 |  |  |  | 84,774 |  |  |  | - |  |  |  | 41,529 |  |  |  | 174 |  |  |  | 26,079 |  |  |  | - |  |  |  | 3,608 |  |  |  | 1,723 |  |  |  | 166,335
3- Good Quality |  |  | 32,941 |  |  |  | 79,052 |  |  |  | 19,547 |  |  |  | 149,064 |  |  |  | 10,766 |  |  |  | 56,106 |  |  |  | 3 |  |  |  | 4,490 |  |  |  | 9,783 |  |  |  | 361,752
4- Management Attention |  |  | 11,751 |  |  |  | 29,762 |  |  |  | 15,353 |  |  |  | 34,261 |  |  |  | 347 |  |  |  | 5,577 |  |  |  | - |  |  |  | 594 |  |  |  | 1,761 |  |  |  | 99,406
5- Watch |  |  | 8,240 |  |  |  | 5,499 |  |  |  | 3,474 |  |  |  | 5,180 |  |  |  | 2,716 |  |  |  | 349 |  |  |  | - |  |  |  | 65 |  |  |  | - |  |  |  | 25,523
6- Substandard |  |  | 368 |  |  |  | 6,247 |  |  |  | 6,059 |  |  |  | 3,969 |  |  |  | - |  |  |  | 175 |  |  |  | - |  |  |  | 62 |  |  |  | - |  |  |  | 16,880
7- Doubtful |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | -
8- Loss |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | 4 |  |  |  | - |  |  |  | 4
Total |  | $ | 61,748 |  |  |  | 218,365 |  |  |  | 44,433 |  |  |  | 234,003 |  |  |  | 14,003 |  |  |  | 88,931 |  |  |  | 3 |  |  |  | 10,047 |  |  |  | 13,267 |  |  |  | 684,800
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
Analysis of loan modifications | The following tables present an analysis of loan modifications during the nine months ended September 30, 2015 and 2014:
Nine months ended September 30, 2015 |  |  |  |  |
(Dollars in thousands) |  |  |  |  |
| Number of Contracts |  | Pre-Modification Outstanding Recorded Investment |  | Post-Modification Outstanding Recorded Investment
Real estate loans |  |  |  |  |
Single-family residential | 1 |  | $ | 146 |  | 142
Total real estate TDR loans | 1 |  |  | 146 |  | 142
Total TDR loans | 1 |  | $ | 146 |  | 142
Nine months ended September 30, 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 |  | 291
Single-family residential | 2 |  |  | 849 |  | 849
Single-family residential - |  |  |  |  |  |
Banco de la Gente stated income | 7 |  |  | 594 |  | 594
Commercial | - |  |  | - |  | -
Multifamily and farmland | - |  |  | - |  | -
Total real estate TDR loans | 10 |  |  | 1,734 |  | 1,734
Total TDR loans | 10 |  | $ | 1,734 |  | 1,734

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