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3. Loans (Tables) | 3 Months Ended
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Mar. 31, 2017
Receivables [Abstract] |
Major classifications of loans |
(Dollars in thousands) |  |  |  |  |
|  | March 31, 2017 |  |  | December 31, 2016
Real estate loans: |  |  |  |  |
Construction and land development |  | $ | 65,438 |  |  |  | 61,749
Single-family residential |  |  | 239,322 |  |  |  | 240,700
Single-family residential - |  |  |  |  |  |  |
Banco de la Gente stated income |  |  | 39,230 |  |  |  | 40,189
Commercial |  |  | 247,940 |  |  |  | 247,521
Multifamily and farmland |  |  | 29,078 |  |  |  | 21,047
Total real estate loans |  |  | 621,008 |  |  |  | 611,206
Loans not secured by real estate: |  |  |  |  |  |  |
Commercial loans |  |  | 90,923 |  |  |  | 87,596
Farm loans |  |  | 897 |  |  |  | -
Consumer loans |  |  | 9,634 |  |  |  | 9,832
All other loans |  |  | 13,399 |  |  |  | 15,177
Total loans |  |  | 735,861 |  |  |  | 723,811
Less allowance for loan losses |  |  | 7,263 |  |  |  | 7,550
Total net loans |  | $ | 728,598 |  |  |  | 716,261
Age analysis of past due loans, by loan type |
March 31, 2017 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
(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 |  | $ | 176 |  |  |  | 9 |  |  |  | 185 |  |  |  | 65,253 |  |  |  | 65,438 |  |  |  | -
Single-family residential |  |  | 2,859 |  |  |  | 119 |  |  |  | 2,978 |  |  |  | 236,344 |  |  |  | 239,322 |  |  |  | -
Single-family residential - |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Banco de la Gente stated income |  |  | 4,688 |  |  |  | 54 |  |  |  | 4,742 |  |  |  | 34,488 |  |  |  | 39,230 |  |  |  | -
Commercial |  |  | 1,710 |  |  |  | 122 |  |  |  | 1,832 |  |  |  | 246,108 |  |  |  | 247,940 |  |  |  | -
Multifamily and farmland |  |  | 99 |  |  |  | 78 |  |  |  | 177 |  |  |  | 28,901 |  |  |  | 29,078 |  |  |  | -
Total real estate loans |  |  | 9,532 |  |  |  | 382 |  |  |  | 9,914 |  |  |  | 611,094 |  |  |  | 621,008 |  |  |  | -
Loans not secured by real estate: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial loans |  |  | 333 |  |  |  | - |  |  |  | 333 |  |  |  | 90,590 |  |  |  | 90,923 |  |  |  | -
Farm loans |  |  | - |  |  |  | - |  |  |  | - |  |  |  | 897 |  |  |  | 897 |  |  |  | -
Consumer loans |  |  | 51 |  |  |  | 8 |  |  |  | 59 |  |  |  | 9,575 |  |  |  | 9,634 |  |  |  | -
All other loans |  |  | - |  |  |  | - |  |  |  | - |  |  |  | 13,399 |  |  |  | 13,399 |  |  |  | -
Total loans |  | $ | 9,916 |  |  |  | 390 |  |  |  | 10,306 |  |  |  | 725,555 |  |  |  | 735,861 |  |  |  | -
December 31, 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 |  | $ | - |  |  |  | 10 |  |  |  | 10 |  |  |  | 61,739 |  |  |  | 61,749 |  |  |  | -
Single-family residential |  |  | 4,890 |  |  |  | 80 |  |  |  | 4,970 |  |  |  | 235,730 |  |  |  | 240,700 |  |  |  | -
Single-family residential - |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Banco de la Gente stated income |  |  | 5,250 |  |  |  | 249 |  |  |  | 5,499 |  |  |  | 34,690 |  |  |  | 40,189 |  |  |  | -
Commercial |  |  | 342 |  |  |  | 126 |  |  |  | 468 |  |  |  | 247,053 |  |  |  | 247,521 |  |  |  | -
Multifamily and farmland |  |  | 471 |  |  |  | - |  |  |  | 471 |  |  |  | 20,576 |  |  |  | 21,047 |  |  |  | -
Total real estate loans |  |  | 10,953 |  |  |  | 465 |  |  |  | 11,418 |  |  |  | 599,788 |  |  |  | 611,206 |  |  |  | -
Loans not secured by real estate: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial loans |  |  | 273 |  |  |  | - |  |  |  | 273 |  |  |  | 87,323 |  |  |  | 87,596 |  |  |  | -
Farm loans |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | -
Consumer loans |  |  | 68 |  |  |  | 6 |  |  |  | 74 |  |  |  | 9,758 |  |  |  | 9,832 |  |  |  | -
All other loans |  |  | 3 |  |  |  | - |  |  |  | 3 |  |  |  | 15,174 |  |  |  | 15,177 |  |  |  | -
Total loans |  | $ | 11,297 |  |  |  | 471 |  |  |  | 11,768 |  |  |  | 712,043 |  |  |  | 723,811 |  |  |  | -
Non-accrual loans |
(Dollars in thousands) |  |  |  |  |
|  | March 31, 2017 |  |  | December 31, 2016
Real estate loans: |  |  |  |  |
Construction and land development |  | $ | 20 |  |  |  | 22
Single-family residential |  |  | 1,492 |  |  |  | 1,662
Single-family residential - |  |  |  |  |  |  |
Banco de la Gente stated income |  |  | 1,405 |  |  |  | 1,340
Commercial |  |  | 562 |  |  |  | 669
Multifamily and farmland |  |  | 78 |  |  |  | 78
Total real estate loans |  |  | 3,557 |  |  |  | 3,771
Loans not secured by real estate: |  |  |  |  |  |  |
Commercial loans |  |  | - |  |  |  | 21
Consumer loans |  |  | 27 |  |  |  | 33
Total |  | $ | 3,584 |  |  |  | 3,825
Impaired loans |
March 31, 2017 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
(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 |  |  | YTD Interest Income Recognized
Real estate loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Construction and land development |  | $ | 270 |  |  |  | - |  |  |  | 265 |  |  |  | 265 |  |  |  | 9 |  |  |  | 272 |  |  |  | 4
Single-family residential |  |  | 4,950 |  |  |  | 698 |  |  |  | 3,912 |  |  |  | 4,610 |  |  |  | 43 |  |  |  | 5,444 |  |  |  | 69
Single-family residential - |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Banco de la Gente stated income |  |  | 18,206 |  |  |  | - |  |  |  | 17,639 |  |  |  | 17,639 |  |  |  | 1,140 |  |  |  | 17,187 |  |  |  | 237
Commercial |  |  | 3,617 |  |  |  | 1,269 |  |  |  | 2,081 |  |  |  | 3,350 |  |  |  | 68 |  |  |  | 3,572 |  |  |  | 59
Multifamily and farmland |  |  | 78 |  |  |  | - |  |  |  | 78 |  |  |  | 78 |  |  |  | - |  |  |  | 78 |  |  |  | -
Total impaired real estate loans |  |  | 27,121 |  |  |  | 1,967 |  |  |  | 23,975 |  |  |  | 25,942 |  |  |  | 1,260 |  |  |  | 26,553 |  |  |  | 369
Loans not secured by real estate: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial loans |  |  | 5 |  |  |  | - |  |  |  | 5 |  |  |  | 5 |  |  |  | - |  |  |  | 16 |  |  |  | -
Consumer loans |  |  | 200 |  |  |  | - |  |  |  | 192 |  |  |  | 192 |  |  |  | 3 |  |  |  | 229 |  |  |  | 3
Total impaired loans |  | $ | 27,326 |  |  |  | 1,967 |  |  |  | 24,172 |  |  |  | 26,139 |  |  |  | 1,263 |  |  |  | 26,798 |  |  |  | 372
December 31, 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 |  |  | YTD Interest Income Recognized
Real estate loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Construction and land development |  | $ | 282 |  |  |  | - |  |  |  | 278 |  |  |  | 278 |  |  |  | 11 |  |  |  | 330 |  |  |  | 13
Single-family residential |  |  | 5,354 |  |  |  | 703 |  |  |  | 4,323 |  |  |  | 5,026 |  |  |  | 47 |  |  |  | 7,247 |  |  |  | 164
Single-family residential - |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Banco de la Gente stated income |  |  | 18,611 |  |  |  | - |  |  |  | 18,074 |  |  |  | 18,074 |  |  |  | 1,182 |  |  |  | 17,673 |  |  |  | 861
Commercial |  |  | 3,750 |  |  |  | 1,299 |  |  |  | 2,197 |  |  |  | 3,496 |  |  |  | 166 |  |  |  | 4,657 |  |  |  | 152
Multifamily and farmland |  |  | 78 |  |  |  | - |  |  |  | 78 |  |  |  | 78 |  |  |  | - |  |  |  | 78 |  |  |  | -
Total impaired real estate loans |  |  | 28,075 |  |  |  | 2,002 |  |  |  | 24,950 |  |  |  | 26,952 |  |  |  | 1,406 |  |  |  | 29,985 |  |  |  | 1,190
Loans not secured by real estate: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial loans |  |  | 27 |  |  |  | - |  |  |  | 27 |  |  |  | 27 |  |  |  | - |  |  |  | 95 |  |  |  | -
Consumer loans |  |  | 211 |  |  |  | - |  |  |  | 202 |  |  |  | 202 |  |  |  | 3 |  |  |  | 222 |  |  |  | 8
Total impaired loans |  | $ | 28,313 |  |  |  | 2,002 |  |  |  | 25,179 |  |  |  | 27,181 |  |  |  | 1,409 |  |  |  | 30,302 |  |  |  | 1,198
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 |
Three months ended March 31, 2017 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Allowance for loan losses: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Beginning balance |  | $ | 1,152 |  |  |  | 2,126 |  |  |  | 1,377 |  |  |  | 1,593 |  |  |  | 52 |  |  |  | 675 |  |  |  | - |  |  |  | 204 |  |  |  | 371 |  |  |  | 7,550 |
Charge-offs |  |  | - |  |  |  | (20 | ) |  |  | - |  |  |  | - |  |  |  | - |  |  |  | (2 | ) |  |  | - |  |  |  | (109 | ) |  |  | - |  |  |  | (131 | )
Recoveries |  |  | 8 |  |  |  | 7 |  |  |  | - |  |  |  | 7 |  |  |  | - |  |  |  | 8 |  |  |  | - |  |  |  | 50 |  |  |  | - |  |  |  | 80 |
Provision |  |  | (191 | ) |  |  | (110 | ) |  |  | (49 | ) |  |  | 55 |  |  |  | 21 |  |  |  | (53 | ) |  |  | - |  |  |  | 33 |  |  |  | 58 |  |  |  | (236 | )
Ending balance |  | $ | 969 |  |  |  | 2,003 |  |  |  | 1,328 |  |  |  | 1,655 |  |  |  | 73 |  |  |  | 628 |  |  |  | - |  |  |  | 178 |  |  |  | 429 |  |  |  | 7,263 |
Allowance for loan losses March 31, 2017 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Ending balance: individually |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
evaluated for impairment |  | $ | - |  |  |  | - |  |  |  | 1,120 |  |  |  | 62 |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | 1,182 |
Ending balance: collectively |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
evaluated for impairment |  |  | 969 |  |  |  | 2,003 |  |  |  | 208 |  |  |  | 1,593 |  |  |  | 73 |  |  |  | 628 |  |  |  | - |  |  |  | 178 |  |  |  | 429 |  |  |  | 6,081 |
Ending balance |  | $ | 969 |  |  |  | 2,003 |  |  |  | 1,328 |  |  |  | 1,655 |  |  |  | 73 |  |  |  | 628 |  |  |  | - |  |  |  | 178 |  |  |  | 429 |  |  |  | 7,263 |
Loans March 31, 2017: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Ending balance |  | $ | 65,438 |  |  |  | 239,322 |  |  |  | 39,230 |  |  |  | 247,940 |  |  |  | 29,078 |  |  |  | 90,923 |  |  |  | 897 |  |  |  | 23,033 |  |  |  | - |  |  |  | 735,861 |
Ending balance: individually |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
evaluated for impairment |  | $ | - |  |  |  | 1,630 |  |  |  | 16,303 |  |  |  | 2,736 |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | 20,669 |
Ending balance: collectively |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
evaluated for impairment |  | $ | 65,438 |  |  |  | 237,692 |  |  |  | 22,927 |  |  |  | 245,204 |  |  |  | 29,078 |  |  |  | 90,923 |  |  |  | 897 |  |  |  | 23,033 |  |  |  | - |  |  |  | 715,192 |
(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 |
Three months ended March 31, 2016 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Allowance for loan losses: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Beginning balance |  | $ | 2,185 |  |  |  | 2,534 |  |  |  | 1,460 |  |  |  | 1,917 |  |  |  | - |  |  |  | 842 |  |  |  | - |  |  |  | 172 |  |  |  | 479 |  |  |  | 9,589 |
Charge-offs |  |  | - |  |  |  | (59 | ) |  |  | - |  |  |  | (106 | ) |  |  | - |  |  |  | (29 | ) |  |  | - |  |  |  | (128 | ) |  |  | - |  |  |  | (322 | )
Recoveries |  |  | 3 |  |  |  | 8 |  |  |  | - |  |  |  | 5 |  |  |  | - |  |  |  | 6 |  |  |  | - |  |  |  | 43 |  |  |  | - |  |  |  | 65 |
Provision |  |  | (344 | ) |  |  | (8 | ) |  |  | (37 | ) |  |  | (28 | ) |  |  | - |  |  |  | (9 | ) |  |  | - |  |  |  | 103 |  |  |  | 107 |  |  |  | (216 | )
Ending balance |  | $ | 1,844 |  |  |  | 2,475 |  |  |  | 1,423 |  |  |  | 1,788 |  |  |  | - |  |  |  | 810 |  |  |  | - |  |  |  | 190 |  |  |  | 586 |  |  |  | 9,116 |
Allowance for loan losses March 31, 2016: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Ending balance: individually |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
evaluated for impairment |  | $ | - |  |  |  | 95 |  |  |  | 1,107 |  |  |  | 170 |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | 1,372 |
Ending balance: collectively |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
evaluated for impairment |  |  | 1,844 |  |  |  | 2,380 |  |  |  | 316 |  |  |  | 1,618 |  |  |  | - |  |  |  | 810 |  |  |  | - |  |  |  | 190 |  |  |  | 586 |  |  |  | 7,744 |
Ending balance |  | $ | 1,844 |  |  |  | 2,475 |  |  |  | 1,423 |  |  |  | 1,788 |  |  |  | - |  |  |  | 810 |  |  |  | - |  |  |  | 190 |  |  |  | 586 |  |  |  | 9,116 |
Loans March 31, 2016: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Ending balance |  | $ | 63,973 |  |  |  | 223,104 |  |  |  | 42,951 |  |  |  | 228,166 |  |  |  | 18,122 |  |  |  | 91,784 |  |  |  | 2 |  |  |  | 24,931 |  |  |  | - |  |  |  | 693,033 |
Ending balance: individually |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
evaluated for impairment |  | $ | - |  |  |  | 2,612 |  |  |  | 17,711 |  |  |  | 4,890 |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | 25,213 |
Ending balance: collectively |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
evaluated for impairment |  | $ | 63,973 |  |  |  | 220,492 |  |  |  | 25,240 |  |  |  | 223,276 |  |  |  | 18,122 |  |  |  | 91,784 |  |  |  | 2 |  |  |  | 24,931 |  |  |  | - |  |  |  | 667,820 |
Credit risk profile of each loan type based on internally assigned risk grade |
March 31, 2017 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
(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 | $ | - |  | 10,648 |  | - |  | - |  | - |  | 462 |  | - |  | 941 |  | - |  | 12,051
2- High Quality |  | 10,141 |  | 110,210 |  | - |  | 40,047 |  | 2,853 |  | 20,133 |  | - |  | 3,210 |  | 1,197 |  | 187,791
3- Good Quality |  | 37,888 |  | 85,707 |  | 16,331 |  | 179,746 |  | 22,628 |  | 64,341 |  | 853 |  | 4,807 |  | 10,473 |  | 422,774
4- Management Attention |  | 10,203 |  | 24,524 |  | 15,458 |  | 21,720 |  | 2,334 |  | 5,446 |  | 44 |  | 604 |  | 1,729 |  | 82,062
5- Watch |  | 6,909 |  | 4,912 |  | 3,728 |  | 5,817 |  | 1,185 |  | 505 |  | - |  | 24 |  | - |  | 23,080
6- Substandard |  | 297 |  | 3,321 |  | 3,713 |  | 610 |  | 78 |  | 36 |  | - |  | 44 |  | - |  | 8,099
7- Doubtful |  | - |  | - |  | - |  | - |  | - |  | - |  | - |  | - |  | - |  | -
8- Loss |  | - |  | - |  | - |  | - |  | - |  | - |  | - |  | 4 |  | - |  | 4
Total | $ | 65,438 |  | 239,322 |  | 39,230 |  | 247,940 |  | 29,078 |  | 90,923 |  | 897 |  | 9,634 |  | 13,399 |  | 735,861
December 31, 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 | $ | - |  | 14,996 |  | - |  | - |  | - |  | 541 |  | - |  | 959 |  | - |  | 16,496
2- High Quality |  | 9,784 |  | 109,809 |  | - |  | 39,769 |  | 2,884 |  | 26,006 |  | - |  | 3,335 |  | 2,507 |  | 194,094
3- Good Quality |  | 33,633 |  | 82,147 |  | 16,703 |  | 176,109 |  | 14,529 |  | 55,155 |  | - |  | 4,842 |  | 10,921 |  | 394,039
4- Management Attention |  | 10,892 |  | 25,219 |  | 15,580 |  | 24,753 |  | 2,355 |  | 5,586 |  | - |  | 619 |  | 1,749 |  | 86,753
5- Watch |  | 7,229 |  | 4,682 |  | 3,943 |  | 4,906 |  | 1,201 |  | 246 |  | - |  | 31 |  | - |  | 22,238
6- Substandard |  | 211 |  | 3,847 |  | 3,963 |  | 1,984 |  | 78 |  | 62 |  | - |  | 42 |  | - |  | 10,187
7- Doubtful |  | - |  | - |  | - |  | - |  | - |  | - |  | - |  | - |  | - |  | -
8- Loss |  | - |  | - |  | - |  | - |  | - |  | - |  | - |  | 4 |  | - |  | 4
Total | $ | 61,749 |  | 240,700 |  | 40,189 |  | 247,521 |  | 21,047 |  | 87,596 |  | - |  | 9,832 |  | 15,177 |  | 723,811

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- 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=66008989&loc=SL6953659-111524 + Details
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