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3. Loans (Tables) | 6 Months Ended
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Jun. 30, 2017
Receivables [Abstract] |
Major classifications of loans |
(Dollars in thousands) |  |  |  |  |
|  | June 30, 2017 |  |  | December 31, 2016
Real estate loans: |  |  |  |  |
Construction and land development |  | $ | 71,213 |  |  |  | 61,749
Single-family residential |  |  | 240,993 |  |  |  | 240,700
Single-family residential - |  |  |  |  |  |  |
Banco de la Gente stated income |  |  | 38,875 |  |  |  | 40,189
Commercial |  |  | 243,957 |  |  |  | 247,521
Multifamily and farmland |  |  | 30,125 |  |  |  | 21,047
Total real estate loans |  |  | 625,163 |  |  |  | 611,206
Loans not secured by real estate: |  |  |  |  |  |  |
Commercial loans |  |  | 94,567 |  |  |  | 87,596
Farm loans |  |  | 1,591 |  |  |  | -
Consumer loans |  |  | 10,099 |  |  |  | 9,832
All other loans |  |  | 13,618 |  |  |  | 15,177
Total loans |  |  | 745,038 |  |  |  | 723,811
Less allowance for loan losses |  |  | 7,167 |  |  |  | 7,550
Total net loans |  | $ | 737,871 |  |  |  | 716,261
Age analysis of past due loans, by loan type |
June 30, 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 |  | $ | 3,706 |  |  |  | - |  |  |  | 3,706 |  |  |  | 67,507 |  |  |  | 71,213 |  |  |  | -
Single-family residential |  |  | 949 |  |  |  | 174 |  |  |  | 1,123 |  |  |  | 239,870 |  |  |  | 240,993 |  |  |  | 55
Single-family residential - |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Banco de la Gente stated income |  |  | 1,365 |  |  |  | 273 |  |  |  | 1,638 |  |  |  | 37,237 |  |  |  | 38,875 |  |  |  | -
Commercial |  |  | 12 |  |  |  | 249 |  |  |  | 261 |  |  |  | 243,696 |  |  |  | 243,957 |  |  |  | -
Multifamily and farmland |  |  | - |  |  |  | 12 |  |  |  | 12 |  |  |  | 30,113 |  |  |  | 30,125 |  |  |  | -
Total real estate loans |  |  | 6,032 |  |  |  | 708 |  |  |  | 6,740 |  |  |  | 618,423 |  |  |  | 625,163 |  |  |  | 55
Loans not secured by real estate: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial loans |  |  | 1,070 |  |  |  | - |  |  |  | 1,070 |  |  |  | 93,497 |  |  |  | 94,567 |  |  |  | -
Farm loans |  |  | - |  |  |  | - |  |  |  | - |  |  |  | 1,591 |  |  |  | 1,591 |  |  |  | -
Consumer loans |  |  | 52 |  |  |  | 6 |  |  |  | 58 |  |  |  | 10,041 |  |  |  | 10,099 |  |  |  | -
All other loans |  |  | - |  |  |  | - |  |  |  | - |  |  |  | 13,618 |  |  |  | 13,618 |  |  |  | -
Total loans |  | $ | 7,154 |  |  |  | 714 |  |  |  | 7,868 |  |  |  | 737,170 |  |  |  | 745,038 |  |  |  | 55
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) |  |  |  |  |
|  | June 30, 2017 |  |  | December 31, 2016
Real estate loans: |  |  |  |  |
Construction and land development |  | $ | 18 |  |  |  | 22
Single-family residential |  |  | 1,444 |  |  |  | 1,662
Single-family residential - |  |  |  |  |  |  |
Banco de la Gente stated income |  |  | 1,461 |  |  |  | 1,340
Commercial |  |  | 1,440 |  |  |  | 669
Multifamily and farmland |  |  | 12 |  |  |  | 78
Total real estate loans |  |  | 4,375 |  |  |  | 3,771
Loans not secured by real estate: |  |  |  |  |  |  |
Commercial loans |  |  | 249 |  |  |  | 21
Consumer loans |  |  | 21 |  |  |  | 33
Total |  | $ | 4,645 |  |  |  | 3,825
Impaired loans |
June 30, 2017 |  |  |  |  |  |  |  |  |  |  |  |  |  |
(Dollars in thousands) |  |  |  |  |  |  |  |  |  |  |  |  |  |
|  | Unpaid Contractual Principal Balance |  |  | Recorded Investment With No Allowance |  |  | Recorded Investment With Allowance |  |  | Recorded Investment in Impaired Loans |  |  | Related Allowance
Real estate loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |
Construction and land development |  | $ | 253 |  |  |  | - |  |  |  | 257 |  |  |  | 257 |  |  |  | 9
Single-family residential |  |  | 4,666 |  |  |  | 1,152 |  |  |  | 3,896 |  |  |  | 5,048 |  |  |  | 38
Single-family residential - |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Banco de la Gente stated income |  |  | 17,439 |  |  |  | - |  |  |  | 18,029 |  |  |  | 18,029 |  |  |  | 1,123
Commercial |  |  | 4,190 |  |  |  | 1,699 |  |  |  | 2,769 |  |  |  | 4,468 |  |  |  | 68
Multifamily and farmland |  |  | 12 |  |  |  | - |  |  |  | 78 |  |  |  | 78 |  |  |  | -
Total impaired real estate loans |  |  | 26,560 |  |  |  | 2,851 |  |  |  | 25,029 |  |  |  | 27,880 |  |  |  | 1,238
Loans not secured by real estate: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial loans |  |  | 253 |  |  |  | - |  |  |  | 288 |  |  |  | 288 |  |  |  | 27
Consumer loans |  |  | 187 |  |  |  | - |  |  |  | 197 |  |  |  | 197 |  |  |  | 3
Total impaired loans |  | $ | 27,000 |  |  |  | 2,851 |  |  |  | 25,514 |  |  |  | 28,365 |  |  |  | 1,268
(Dollars in thousands) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
|  | Three months ended |  |  | Six months ended
|  | June 30, 2017 |  |  | June 30, 2016 |  |  | June 30, 2017 |  |  | June 30, 2016
|  | Average Balance |  |  | Interest Income Recognized |  |  | Average Balance |  |  | Interest Income Recognized |  |  | Average Balance |  |  | Interest Income Recognized |  |  | Average Balance |  |  | Interest Income Recognized
Real estate loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Construction and land development |  | $ | 304 |  |  |  | 2 |  |  |  | 455 |  |  |  | 4 |  |  |  | 265 |  |  |  | 6 |  |  |  | 405 |  |  |  | 7
Single-family residential |  |  | 4,595 |  |  |  | 63 |  |  |  | 8,680 |  |  |  | 33 |  |  |  | 5,185 |  |  |  | 131 |  |  |  | 9,769 |  |  |  | 82
Single-family residential - |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Banco de la Gente stated income |  |  | 17,539 |  |  |  | 232 |  |  |  | 17,888 |  |  |  | 219 |  |  |  | 17,271 |  |  |  | 469 |  |  |  | 17,875 |  |  |  | 449
Commercial |  |  | 3,831 |  |  |  | 66 |  |  |  | 5,694 |  |  |  | 24 |  |  |  | 3,778 |  |  |  | 125 |  |  |  | 5,978 |  |  |  | 49
Multifamily and farmland |  |  | 45 |  |  |  | - |  |  |  | 78 |  |  |  | - |  |  |  | 56 |  |  |  | - |  |  |  | 80 |  |  |  | 3
Total impaired real estate loans |  |  | 26,314 |  |  |  | 363 |  |  |  | 32,795 |  |  |  | 280 |  |  |  | 26,555 |  |  |  | 731 |  |  |  | 34,107 |  |  |  | 590
Loans not secured by real estate: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial loans |  |  | 129 |  |  |  | 3 |  |  |  | 141 |  |  |  | - |  |  |  | 95 |  |  |  | 3 |  |  |  | 139 |  |  |  | 1
Consumer loans |  |  | 221 |  |  |  | 3 |  |  |  | 233 |  |  |  | 2 |  |  |  | 215 |  |  |  | 6 |  |  |  | 240 |  |  |  | 5
Total impaired loans |  | $ | 26,664 |  |  |  | 369 |  |  |  | 33,169 |  |  |  | 282 |  |  |  | 26,865 |  |  |  | 740 |  |  |  | 34,486 |  |  |  | 596
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 |
Six months ended June 30, 2017: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Allowance for loan losses: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Beginning balance | $ | 1,152 |  | 2,126 |  | 1,377 |  | 1,593 |  | 52 |  | 675 |  | - |  | 204 |  | 371 |  | 7,550 |
Charge-offs |  | - |  | (44 | ) | - |  | (66 | ) | - |  | (37 | ) | - |  | (182 | ) | - |  | (329 | )
Recoveries |  | 10 |  | 16 |  | - |  | 14 |  | - |  | 15 |  | - |  | 78 |  | - |  | 133 |
Provision |  | 21 |  | (279 | ) | (84 | ) | (78 | ) | 23 |  | 51 |  | - |  | 58 |  | 101 |  | (187 | )
Ending balance | $ | 1,183 |  | 1,819 |  | 1,293 |  | 1,463 |  | 75 |  | 704 |  | - |  | 158 |  | 472 |  | 7,167 |
Three months ended June 30, 2017: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Allowance for loan losses: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Beginning balance | $ | 969 |  | 2,003 |  | 1,328 |  | 1,655 |  | 73 |  | 628 |  | - |  | 178 |  | 429 |  | 7,263 |
Charge-offs |  | - |  | (24 | ) | - |  | - |  | (66 | ) | (35 | ) | - |  | (73 | ) | - |  | (198 | )
Recoveries |  | 3 |  | 9 |  | - |  | 6 |  | - |  | 7 |  | - |  | 28 |  | - |  | 53 |
Provision |  | 211 |  | (169 | ) | (35 | ) | (198 | ) | 68 |  | 104 |  | - |  | 25 |  | 43 |  | 49 |
Ending balance | $ | 1,183 |  | 1,819 |  | 1,293 |  | 1,463 |  | 75 |  | 704 |  | - |  | 158 |  | 472 |  | 7,167 |
Allowance for loan losses at June 30, 2017: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Ending balance: individually |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
evaluated for impairment | $ | - |  | - |  | 1,103 |  | 65 |  | - |  | 27 |  | - |  | - |  | - |  | 1,195 |
Ending balance: collectively |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
evaluated for impairment |  | 1,183 |  | 1,819 |  | 190 |  | 1,398 |  | 75 |  | 677 |  | - |  | 158 |  | 472 |  | 5,972 |
Ending balance | $ | 1,183 |  | 1,819 |  | 1,293 |  | 1,463 |  | 75 |  | 704 |  | - |  | 158 |  | 472 |  | 7,167 |
Loans at June 30, 2017: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Ending balance | $ | 71,213 |  | 240,993 |  | 38,875 |  | 243,957 |  | 30,125 |  | 94,567 |  | 1,591 |  | 23,717 |  | - |  | 745,038 |
Ending balance: individually |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
evaluated for impairment | $ | - |  | 1,152 |  | 16,792 |  | 3,724 |  | - |  | 230 |  | - |  | - |  | - |  | 21,898 |
Ending balance: collectively |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
evaluated for impairment | $ | 71,213 |  | 239,841 |  | 22,083 |  | 240,233 |  | 30,125 |  | 94,337 |  | 1,591 |  | 23,717 |  | - |  | 723,140 |
(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 |
Credit risk profile of each loan type based on internally assigned risk grade |
June 30, 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 | $ | - |  | 12,094 |  | - |  | - |  | - |  | 519 |  | - |  | 902 |  | - |  | 13,515
2- High Quality |  | 11,919 |  | 113,039 |  | - |  | 37,406 |  | 2,110 |  | 17,641 |  | - |  | 3,610 |  | 1,141 |  | 186,866
3- Good Quality |  | 45,833 |  | 85,597 |  | 16,179 |  | 184,567 |  | 24,783 |  | 71,151 |  | 1,547 |  | 4,913 |  | 11,652 |  | 446,222
4- Management Attention |  | 6,537 |  | 22,504 |  | 15,413 |  | 15,904 |  | 2,049 |  | 4,740 |  | 44 |  | 606 |  | 825 |  | 68,622
5- Watch |  | 6,632 |  | 4,696 |  | 3,532 |  | 4,593 |  | 1,171 |  | 234 |  | - |  | 28 |  | - |  | 20,886
6- Substandard |  | 292 |  | 3,063 |  | 3,751 |  | 1,487 |  | 12 |  | 282 |  | - |  | 40 |  | - |  | 8,927
7- Doubtful |  | - |  | - |  | - |  | - |  | - |  | - |  | - |  | - |  | - |  | -
8- Loss |  | - |  | - |  | - |  | - |  | - |  | - |  | - |  | - |  | - |  | -
Total | $ | 71,213 |  | 240,993 |  | 38,875 |  | 243,957 |  | 30,125 |  | 94,567 |  | 1,591 |  | 10,099 |  | 13,618 |  | 745,038
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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