XML 28 R18.htm IDEA: XBRL DOCUMENT
v3.5.0.2

3. Loans (Tables) | 6 Months Ended
--- | ---
Jun. 30, 2016
Receivables [Abstract] |
Major classifications of loans |
(Dollars in thousands) |  | June 30, 2016 |  |  | December 31, 2015
Real estate loans: |  |  |  |  |
Construction and land development |  | $ | 60,075 |  |  |  | 65,791
Single-family residential |  |  | 229,586 |  |  |  | 220,690
Single-family residential - |  |  |  |  |  |  |
Banco de la Gente stated income |  |  | 41,910 |  |  |  | 43,733
Commercial |  |  | 232,035 |  |  |  | 228,526
Multifamily and farmland |  |  | 18,688 |  |  |  | 18,080
Total real estate loans |  |  | 582,294 |  |  |  | 576,820
Loans not secured by real estate: |  |  |  |  |  |  |
Commercial loans |  |  | 91,347 |  |  |  | 91,010
Farm loans |  |  | 1 |  |  |  | 3
Consumer loans |  |  | 9,776 |  |  |  | 10,027
All other loans |  |  | 18,613 |  |  |  | 11,231
Total loans |  |  | 702,031 |  |  |  | 689,091
Less allowance for loan losses |  |  | 8,540 |  |  |  | 9,589
Total net loans |  | $ | 693,491 |  |  |  | 679,502
Age analysis of past due loans, by loan type |
June 30,2016 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
(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 |  | $ | 215 |  |  |  | 28 |  |  |  | 243 |  |  |  | 59,832 |  |  |  | 60,075 |  |  |  | -
Single-family residential |  |  | 1,934 |  |  |  | 465 |  |  |  | 2,399 |  |  |  | 227,187 |  |  |  | 229,586 |  |  |  | -
Single-family residential - |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Banco de la Gente stated income |  |  | 1,582 |  |  |  | 173 |  |  |  | 1,755 |  |  |  | 40,155 |  |  |  | 41,910 |  |  |  | -
Commercial |  |  | 1,061 |  |  |  | 824 |  |  |  | 1,885 |  |  |  | 230,150 |  |  |  | 232,035 |  |  |  | -
Multifamily and farmland |  |  | - |  |  |  | - |  |  |  | - |  |  |  | 18,688 |  |  |  | 18,688 |  |  |  | -
Total real estate loans |  |  | 4,792 |  |  |  | 1,490 |  |  |  | 6,282 |  |  |  | 576,012 |  |  |  | 582,294 |  |  |  | -
Loans not secured by real estate: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial loans |  |  | 63 |  |  |  | 21 |  |  |  | 84 |  |  |  | 91,263 |  |  |  | 91,347 |  |  |  | -
Farm loans |  |  | - |  |  |  | - |  |  |  | - |  |  |  | 1 |  |  |  | 1 |  |  |  | -
Consumer loans |  |  | 87 |  |  |  | 7 |  |  |  | 94 |  |  |  | 9,682 |  |  |  | 9,776 |  |  |  | -
All other loans |  |  | - |  |  |  | - |  |  |  | - |  |  |  | 18,613 |  |  |  | 18,613 |  |  |  | -
Total loans |  | $ | 4,942 |  |  |  | 1,518 |  |  |  | 6,460 |  |  |  | 695,571 |  |  |  | 702,031 |  |  |  | -
December 31, 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 |  | $ | 330 |  |  |  | 17 |  |  |  | 347 |  |  |  | 65,444 |  |  |  | 65,791 |  |  |  | -
Single-family residential |  |  | 2,822 |  |  |  | 1,385 |  |  |  | 4,207 |  |  |  | 216,483 |  |  |  | 220,690 |  |  |  | -
Single-family residential - |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Banco de la Gente stated income |  |  | 7,021 |  |  |  | 114 |  |  |  | 7,135 |  |  |  | 36,598 |  |  |  | 43,733 |  |  |  | -
Commercial |  |  | 2,619 |  |  |  | 157 |  |  |  | 2,776 |  |  |  | 225,750 |  |  |  | 228,526 |  |  |  | -
Multifamily and farmland |  |  | - |  |  |  | - |  |  |  | - |  |  |  | 18,080 |  |  |  | 18,080 |  |  |  | -
Total real estate loans |  |  | 12,792 |  |  |  | 1,673 |  |  |  | 14,465 |  |  |  | 562,355 |  |  |  | 576,820 |  |  |  | -
Loans not secured by real estate: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial loans |  |  | 185 |  |  |  | 40 |  |  |  | 225 |  |  |  | 90,785 |  |  |  | 91,010 |  |  |  | 17
Farm loans |  |  | - |  |  |  | - |  |  |  | - |  |  |  | 3 |  |  |  | 3 |  |  |  | -
Consumer loans |  |  | 136 |  |  |  | 8 |  |  |  | 144 |  |  |  | 9,883 |  |  |  | 10,027 |  |  |  | -
All other loans |  |  | - |  |  |  | - |  |  |  | - |  |  |  | 11,231 |  |  |  | 11,231 |  |  |  | -
Total loans |  | $ | 13,113 |  |  |  | 1,721 |  |  |  | 14,834 |  |  |  | 674,257 |  |  |  | 689,091 |  |  |  | 17
Non-accrual loans |
(Dollars in thousands) |  |  |  |  |
|  | June 30, 2016 |  |  | December 31, 2015
Real estate loans: |  |  |  |  |
Construction and land development |  | $ | 36 |  |  |  | 146
Single-family residential |  |  | 3,055 |  |  |  | 4,023
Single-family residential - |  |  |  |  |  |  |
Banco de la Gente stated income |  |  | 265 |  |  |  | 1,106
Commercial |  |  | 2,445 |  |  |  | 2,992
Multifamily and farmland |  |  | - |  |  |  | -
Total real estate loans |  |  | 5,801 |  |  |  | 8,267
Loans not secured by real estate: |  |  |  |  |  |  |
Commercial loans |  |  | 140 |  |  |  | 113
Consumer loans |  |  | 44 |  |  |  | 52
Total |  | $ | 5,985 |  |  |  | 8,432
Impaired loans |
June 30, 2016 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
(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 |  | $ | 341 |  |  |  | - |  |  |  | 295 |  |  |  | 295 |  |  |  | 14 |  |  |  | 405
Single-family residential |  |  | 5,886 |  |  |  | 888 |  |  |  | 4,682 |  |  |  | 5,570 |  |  |  | 149 |  |  |  | 9,769
Single-family residential - |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Banco de la Gente stated income |  |  | 19,470 |  |  |  | - |  |  |  | 18,886 |  |  |  | 18,886 |  |  |  | 1,117 |  |  |  | 17,875
Commercial |  |  | 4,641 |  |  |  | 1,746 |  |  |  | 2,582 |  |  |  | 4,328 |  |  |  | 182 |  |  |  | 5,978
Multifamily and farmland |  |  | 78 |  |  |  | - |  |  |  | 78 |  |  |  | 78 |  |  |  | - |  |  |  | 79
Total impaired real estate loans |  |  | 30,416 |  |  |  | 2,634 |  |  |  | 26,523 |  |  |  | 29,157 |  |  |  | 1,462 |  |  |  | 34,106
Loans not secured by real estate: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial loans |  |  | 192 |  |  |  | - |  |  |  | 160 |  |  |  | 160 |  |  |  | 2 |  |  |  | 139
Consumer loans |  |  | 240 |  |  |  | - |  |  |  | 231 |  |  |  | 231 |  |  |  | 4 |  |  |  | 241
Total impaired loans |  | $ | 30,848 |  |  |  | 2,634 |  |  |  | 26,914 |  |  |  | 29,548 |  |  |  | 1,468 |  |  |  | 34,486
December 31, 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 |  |  |  | 216 |  |  |  | 226 |  |  |  | 442 |  |  |  | 12 |  |  |  | 705
Single-family residential |  |  | 8,828 |  |  |  | 1,489 |  |  |  | 6,805 |  |  |  | 8,294 |  |  |  | 189 |  |  |  | 10,852
Single-family residential - |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Banco de la Gente stated income |  |  | 20,375 |  |  |  | - |  |  |  | 19,215 |  |  |  | 19,215 |  |  |  | 1,143 |  |  |  | 18,414
Commercial |  |  | 4,556 |  |  |  | - |  |  |  | 4,893 |  |  |  | 4,893 |  |  |  | 179 |  |  |  | 5,497
Multifamily and farmland |  |  | 96 |  |  |  | - |  |  |  | 83 |  |  |  | 83 |  |  |  | - |  |  |  | 93
Total impaired real estate loans |  |  | 34,498 |  |  |  | 1,705 |  |  |  | 31,222 |  |  |  | 32,927 |  |  |  | 1,523 |  |  |  | 35,561
Loans not secured by real estate: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial loans |  |  | 180 |  |  |  | - |  |  |  | 161 |  |  |  | 161 |  |  |  | 3 |  |  |  | 132
Consumer loans |  |  | 286 |  |  |  | - |  |  |  | 260 |  |  |  | 260 |  |  |  | 4 |  |  |  | 283
Total impaired loans |  | $ | 34,964 |  |  |  | 1,705 |  |  |  | 31,643 |  |  |  | 33,348 |  |  |  | 1,530 |  |  |  | 35,976
Changes in the allowance for loan losses |
(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 |
Six months ended June 30, 2016: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Allowance for loan losses: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Beginning balance |  | $ | 2,185 |  |  |  | 2,534 |  |  |  | 1,460 |  |  |  | 1,917 |  |  |  | - |  |  |  | 842 |  |  |  | - |  |  |  | 172 |  |  |  | 479 |  |  |  | 9,589 |
Charge-offs |  |  | - |  |  |  | (123 | ) |  |  | - |  |  |  | (106 | ) |  |  | - |  |  |  | (39 | ) |  |  | - |  |  |  | (240 | ) |  |  | - |  |  |  | (508 | )
Recoveries |  |  | 6 |  |  |  | 13 |  |  |  | - |  |  |  | 11 |  |  |  | - |  |  |  | 105 |  |  |  | - |  |  |  | 72 |  |  |  | - |  |  |  | 207 |
Provision |  |  | (609 | ) |  |  | (191 | ) |  |  | (106 | ) |  |  | (172 | ) |  |  | 46 |  |  |  | (105 | ) |  |  | - |  |  |  | 230 |  |  |  | 159 |  |  |  | (748 | )
Ending balance |  | $ | 1,582 |  |  |  | 2,233 |  |  |  | 1,354 |  |  |  | 1,650 |  |  |  | 46 |  |  |  | 803 |  |  |  | - |  |  |  | 234 |  |  |  | 638 |  |  |  | 8,540 |
Three months ended June 30, 2016: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Allowance for loan losses: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Beginning balance |  | $ | 1,844 |  |  |  | 2,475 |  |  |  | 1,423 |  |  |  | 1,788 |  |  |  | - |  |  |  | 810 |  |  |  | - |  |  |  | 190 |  |  |  | 586 |  |  |  | 9,116 |
Charge-offs |  |  | - |  |  |  | (64 | ) |  |  | - |  |  |  | - |  |  |  | - |  |  |  | (10 | ) |  |  | - |  |  |  | (112 | ) |  |  | - |  |  |  | (186 | )
Recoveries |  |  | 3 |  |  |  | 5 |  |  |  | - |  |  |  | 6 |  |  |  | - |  |  |  | 99 |  |  |  | - |  |  |  | 28 |  |  |  | - |  |  |  | 141 |
Provision |  |  | (265 | ) |  |  | (183 | ) |  |  | (69 | ) |  |  | (144 | ) |  |  | 46 |  |  |  | (96 | ) |  |  | - |  |  |  | 128 |  |  |  | 52 |  |  |  | (531 | )
Ending balance |  | $ | 1,582 |  |  |  | 2,233 |  |  |  | 1,354 |  |  |  | 1,650 |  |  |  | 46 |  |  |  | 803 |  |  |  | - |  |  |  | 234 |  |  |  | 638 |  |  |  | 8,540 |
Allowance for loan losses at June 30, 2016: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Ending balance: individually |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
evaluated for impairment |  | $ | - |  |  |  | 94 |  |  |  | 1,092 |  |  |  | 177 |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | 1,363 |
Ending balance: collectively |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
evaluated for impairment |  |  | 1,582 |  |  |  | 2,139 |  |  |  | 262 |  |  |  | 1,473 |  |  |  | 46 |  |  |  | 803 |  |  |  | - |  |  |  | 234 |  |  |  | 638 |  |  |  | 7,177 |
Ending balance |  | $ | 1,582 |  |  |  | 2,233 |  |  |  | 1,354 |  |  |  | 1,650 |  |  |  | 46 |  |  |  | 803 |  |  |  | - |  |  |  | 234 |  |  |  | 638 |  |  |  | 8,540 |
Loans at June 30, 2016: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Ending balance |  | $ | 60,075 |  |  |  | 229,586 |  |  |  | 41,910 |  |  |  | 232,035 |  |  |  | 18,688 |  |  |  | 91,347 |  |  |  | 1 |  |  |  | 28,389 |  |  |  | - |  |  |  | 702,031 |
Ending balance: individually |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
evaluated for impairment |  | $ | - |  |  |  | 1,116 |  |  |  | 17,430 |  |  |  | 4,716 |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | 23,262 |
Ending balance: collectively |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
evaluated for impairment |  | $ | 60,075 |  |  |  | 228,470 |  |  |  | 24,480 |  |  |  | 227,319 |  |  |  | 18,688 |  |  |  | 91,347 |  |  |  | 1 |  |  |  | 28,389 |  |  |  | - |  |  |  | 678,769 |
(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 |
Six months ended June 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 |  |  | (73 | ) |  |  | (400 | ) |  |  | (59 | ) |  |  | (62 | ) |  |  | - |  |  |  | (15 | ) |  |  | - |  |  |  | (253 | ) |  |  | - |  |  |  | (862 | )
Recoveries |  |  | 23 |  |  |  | 10 |  |  |  | 22 |  |  |  | 10 |  |  |  | - |  |  |  | 53 |  |  |  | - |  |  |  | 81 |  |  |  | - |  |  |  | 199 |
Provision |  |  | 189 |  |  |  | 280 |  |  |  | (45 | ) |  |  | (101 | ) |  |  | (5 | ) |  |  | (234 | ) |  |  | - |  |  |  | 170 |  |  |  | (295 | ) |  |  | (41 | )
Ending balance |  | $ | 2,924 |  |  |  | 2,456 |  |  |  | 1,528 |  |  |  | 1,749 |  |  |  | 2 |  |  |  | 902 |  |  |  | - |  |  |  | 231 |  |  |  | 586 |  |  |  | 10,378 |
Three months ended June 30, 2015: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Allowance for loan losses: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Beginning balance |  | $ | 2,758 |  |  |  | 2,599 |  |  |  | 1,586 |  |  |  | 1,786 |  |  |  | 6 |  |  |  | 1,181 |  |  |  | - |  |  |  | 208 |  |  |  | 719 |  |  |  | 10,843 |
Charge-offs |  |  | - |  |  |  | (109 | ) |  |  | (17 | ) |  |  | (59 | ) |  |  | - |  |  |  | (15 | ) |  |  | - |  |  |  | (132 | ) |  |  | - |  |  |  | (332 | )
Recoveries |  |  | 18 |  |  |  | 4 |  |  |  | - |  |  |  | 5 |  |  |  | - |  |  |  | 17 |  |  |  | - |  |  |  | 37 |  |  |  | - |  |  |  | 81 |
Provision |  |  | 148 |  |  |  | (38 | ) |  |  | (41 | ) |  |  | 17 |  |  |  | (4 | ) |  |  | (281 | ) |  |  | - |  |  |  | 118 |  |  |  | (133 | ) |  |  | (214 | )
Ending balance |  | $ | 2,924 |  |  |  | 2,456 |  |  |  | 1,528 |  |  |  | 1,749 |  |  |  | 2 |  |  |  | 902 |  |  |  | - |  |  |  | 231 |  |  |  | 586 |  |  |  | 10,378 |
Allowance for loan losses at June 30, 2015: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Ending balance: individually |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
evaluated for impairment |  | $ | - |  |  |  | 92 |  |  |  | 1,135 |  |  |  | 235 |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | 1,462 |
Ending balance: collectively |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
evaluated for impairment |  |  | 2,924 |  |  |  | 2,364 |  |  |  | 393 |  |  |  | 1,514 |  |  |  | 2 |  |  |  | 902 |  |  |  | - |  |  |  | 231 |  |  |  | 586 |  |  |  | 8,916 |
Ending balance |  | $ | 2,924 |  |  |  | 2,456 |  |  |  | 1,528 |  |  |  | 1,749 |  |  |  | 2 |  |  |  | 902 |  |  |  | - |  |  |  | 231 |  |  |  | 586 |  |  |  | 10,378 |
Loans at June 30, 2015: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Ending balance |  | $ | 60,066 |  |  |  | 208,653 |  |  |  | 45,252 |  |  |  | 231,684 |  |  |  | 12,402 |  |  |  | 85,124 |  |  |  | 4 |  |  |  | 23,582 |  |  |  | - |  |  |  | 666,767 |
Ending balance: individually |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
evaluated for impairment |  | $ | 241 |  |  |  | 2,998 |  |  |  | 18,346 |  |  |  | 3,575 |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | 25,160 |
Ending balance: collectively |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
evaluated for impairment |  | $ | 59,825 |  |  |  | 205,655 |  |  |  | 26,906 |  |  |  | 228,109 |  |  |  | 12,402 |  |  |  | 85,124 |  |  |  | 4 |  |  |  | 23,582 |  |  |  | - |  |  |  | 641,607 |
Credit risk profile of each loan type based on internally assigned risk grade |
June 30, 2016 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
(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 |  | $ | - |  |  |  | 13,196 |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | 492 |  |  |  | - |  |  |  | 1,028 |  |  |  | 50 |  |  |  | 14,766
2- High Quality |  |  | 7,507 |  |  |  | 93,770 |  |  |  | - |  |  |  | 39,397 |  |  |  | 2,942 |  |  |  | 27,341 |  |  |  | - |  |  |  | 3,327 |  |  |  | 2,799 |  |  |  | 177,083
3- Good Quality |  |  | 32,970 |  |  |  | 86,587 |  |  |  | 17,597 |  |  |  | 158,036 |  |  |  | 11,873 |  |  |  | 57,190 |  |  |  | 1 |  |  |  | 4,677 |  |  |  | 13,982 |  |  |  | 382,913
4- Management Attention |  |  | 12,456 |  |  |  | 27,771 |  |  |  | 16,258 |  |  |  | 27,113 |  |  |  | 1,221 |  |  |  | 5,870 |  |  |  | - |  |  |  | 647 |  |  |  | 1,782 |  |  |  | 93,118
5- Watch |  |  | 6,911 |  |  |  | 3,436 |  |  |  | 2,828 |  |  |  | 3,708 |  |  |  | 2,652 |  |  |  | 252 |  |  |  | - |  |  |  | 41 |  |  |  | - |  |  |  | 19,828
6- Substandard |  |  | 231 |  |  |  | 4,826 |  |  |  | 5,227 |  |  |  | 3,781 |  |  |  | - |  |  |  | 202 |  |  |  | - |  |  |  | 56 |  |  |  | - |  |  |  | 14,323
7- Doubtful |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | -
8- Loss |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | -
Total |  | $ | 60,075 |  |  |  | 229,586 |  |  |  | 41,910 |  |  |  | 232,035 |  |  |  | 18,688 |  |  |  | 91,347 |  |  |  | 1 |  |  |  | 9,776 |  |  |  | 18,613 |  |  |  | 702,031
December 31, 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 |  | $ | - |  |  |  | 15,189 |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | 700 |  |  |  | - |  |  |  | 1,091 |  |  |  | - |  |  |  | 16,980
2- High Quality |  |  | 10,144 |  |  |  | 86,061 |  |  |  | - |  |  |  | 38,647 |  |  |  | 2,998 |  |  |  | 24,955 |  |  |  | - |  |  |  | 3,647 |  |  |  | 1,665 |  |  |  | 168,117
3- Good Quality |  |  | 35,535 |  |  |  | 78,843 |  |  |  | 19,223 |  |  |  | 148,805 |  |  |  | 12,058 |  |  |  | 58,936 |  |  |  | 3 |  |  |  | 4,571 |  |  |  | 7,828 |  |  |  | 365,802
4- Management Attention |  |  | 12,544 |  |  |  | 30,259 |  |  |  | 15,029 |  |  |  | 31,824 |  |  |  | 335 |  |  |  | 5,905 |  |  |  | - |  |  |  | 620 |  |  |  | 1,738 |  |  |  | 98,254
5- Watch |  |  | 7,265 |  |  |  | 4,322 |  |  |  | 3,308 |  |  |  | 4,561 |  |  |  | 2,689 |  |  |  | 332 |  |  |  | - |  |  |  | 43 |  |  |  | - |  |  |  | 22,520
6- Substandard |  |  | 303 |  |  |  | 6,016 |  |  |  | 6,173 |  |  |  | 4,689 |  |  |  | - |  |  |  | 182 |  |  |  | - |  |  |  | 55 |  |  |  | - |  |  |  | 17,418
7- Doubtful |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | -
8- Loss |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | -
Total |  | $ | 65,791 |  |  |  | 220,690 |  |  |  | 43,733 |  |  |  | 228,526 |  |  |  | 18,080 |  |  |  | 91,010 |  |  |  | 3 |  |  |  | 10,027 |  |  |  | 11,231 |  |  |  | 689,091
Analysis of loan modifications |
Six months ended June 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 |  |  |  | 144
Total real estate TDR loans |  |  | 1 |  |  |  | 146 |  |  |  | 144
Total TDR loans |  |  | 1 |  |  | $ | 146 |  |  |  | 144

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=49124121&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 55 -Paragraph 19 -URI http://asc.fasb.org/extlink&oid=32702940&loc=SL6953803-111525 Reference 2: 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=49124121&loc=SL6953659-111524 + 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=49124121&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=49124121&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=49124121&loc=SL6953401-111524 + Details
Name: | us-gaap_PastDueFinancingReceivablesTableTextBlock
Namespace Prefix: | us-gaap_
Data Type: | nonnum:textBlockItemType
Balance Type: | na
Period Type: | duration

X
- References No definition available. + Details
Name: | us-gaap_ReceivablesAbstract
Namespace Prefix: | us-gaap_
Data Type: | xbrli:stringItemType
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 + 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=49124121&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 33 -URI http://asc.fasb.org/extlink&oid=49124121&loc=SL6953676-111524 Reference 2: 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=49124121&loc=SL6953682-111524 + Details
Name: | us-gaap_TroubledDebtRestructuringsOnFinancingReceivablesTableTextBlock
Namespace Prefix: | us-gaap_
Data Type: | nonnum:textBlockItemType
Balance Type: | na
Period Type: | duration