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3. Loans (Tables) | 9 Months Ended
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Sep. 30, 2018
Receivables [Abstract] |
Major classifications of loans |
(Dollars in thousands) |  |  |  |
|  | September 30, 2018 |  | December 31, 2017
Real estate loans: |  |  |  |  |  |  |  |
Construction and land development |  | $ | 76,987 |  |  |  | 84,987 |
Single-family residential |  |  | 249,812 |  |  |  | 246,703 |
Single-family residential - |  |  |  |  |  |  |  |
Banco de la Gente non-traditional |  |  | 34,742 |  |  |  | 37,249 |
Commercial |  |  | 275,629 |  |  |  | 248,637 |
Multifamily and farmland |  |  | 31,102 |  |  |  | 28,937 |
Total real estate loans |  |  | 668,272 |  |  |  | 646,513 |
Loans not secured by real estate: |  |  |  |  |  |  |  |
Commercial loans |  |  | 97,085 |  |  |  | 89,022 |
Farm loans |  |  | 994 |  |  |  | 1,204 |
Consumer loans |  |  | 9,512 |  |  |  | 9,888 |
All other loans |  |  | 10,861 |  |  |  | 13,137 |
Total loans |  |  | 786,724 |  |  |  | 759,764 |
Less allowance for loan losses |  |  | 6,295 |  |  |  | 6,366 |
Total net loans |  | $ | 780,429 |  |  |  | 753,398 |
Age analysis of past due loans, by loan type |
September 30, 2018 |  |  |  |  |  |  |  |  |  |  |  |
(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 |  | $ | 1,170 |  |  |  | 38 |  |  |  | 1,208 |  |  |  | 75,779 |  |  |  | 76,987 |  |  |  | — |
Single-family residential |  |  | 2,597 |  |  |  | 366 |  |  |  | 2,963 |  |  |  | 246,849 |  |  |  | 249,812 |  |  |  | — |
Single-family residential - |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Banco de la Gente non-traditional |  |  | 940 |  |  |  | 485 |  |  |  | 1,425 |  |  |  | 33,317 |  |  |  | 34,742 |  |  |  | — |
Commercial |  |  | 1,157 |  |  |  | 100 |  |  |  | 1,257 |  |  |  | 274,372 |  |  |  | 275,629 |  |  |  | — |
Multifamily and farmland |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 31,102 |  |  |  | 31,102 |  |  |  | — |
Total real estate loans |  |  | 5,864 |  |  |  | 989 |  |  |  | 6,853 |  |  |  | 661,419 |  |  |  | 668,272 |  |  |  | — |
Loans not secured by real estate: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial loans |  |  | 490 |  |  |  | 94 |  |  |  | 584 |  |  |  | 96,501 |  |  |  | 97,085 |  |  |  | — |
Farm loans |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 994 |  |  |  | 994 |  |  |  | — |
Consumer loans |  |  | 85 |  |  |  | 35 |  |  |  | 120 |  |  |  | 9,392 |  |  |  | 9,512 |  |  |  | — |
All other loans |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 10,861 |  |  |  | 10,861 |  |  |  | — |
Total loans |  | $ | 6,439 |  |  |  | 1,118 |  |  |  | 7,557 |  |  |  | 779,167 |  |  |  | 786,724 |  |  |  | — |
December 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 |  | $ | 277 |  |  |  | — |  |  |  | 277 |  |  |  | 84,710 |  |  |  | 84,987 |  |  |  | — |
Single-family residential |  |  | 3,241 |  |  |  | 193 |  |  |  | 3,434 |  |  |  | 243,269 |  |  |  | 246,703 |  |  |  | — |
Single-family residential - |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Banco de la Gente non-traditional |  |  | 4,078 |  |  |  | 465 |  |  |  | 4,543 |  |  |  | 32,706 |  |  |  | 37,249 |  |  |  | — |
Commercial |  |  | 588 |  |  |  | — |  |  |  | 588 |  |  |  | 248,049 |  |  |  | 248,637 |  |  |  | — |
Multifamily and farmland |  |  | — |  |  |  | 12 |  |  |  | 12 |  |  |  | 28,925 |  |  |  | 28,937 |  |  |  | — |
Total real estate loans |  |  | 8,184 |  |  |  | 670 |  |  |  | 8,854 |  |  |  | 637,659 |  |  |  | 646,513 |  |  |  | — |
Loans not secured by real estate: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial loans |  |  | 53 |  |  |  | 100 |  |  |  | 153 |  |  |  | 88,869 |  |  |  | 89,022 |  |  |  | — |
Farm loans |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 1,204 |  |  |  | 1,204 |  |  |  | — |
Consumer loans |  |  | 113 |  |  |  | 5 |  |  |  | 118 |  |  |  | 9,770 |  |  |  | 9,888 |  |  |  | — |
All other loans |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 13,137 |  |  |  | 13,137 |  |  |  | — |
Total loans |  | $ | 8,350 |  |  |  | 775 |  |  |  | 9,125 |  |  |  | 750,639 |  |  |  | 759,764 |  |  |  | — |
Non-accrual loans |
(Dollars in thousands) |  |  |  |
|  | September 30, 2018 |  | December 31, 2017
Real estate loans: |  |  |  |  |  |  |  |
Construction and land development |  | $ | 39 |  |  |  | 14 |
Single-family residential |  |  | 1,824 |  |  |  | 1,634 |
Single-family residential - |  |  |  |  |  |  |  |
Banco de la Gente non-traditional |  |  | 1,475 |  |  |  | 1,543 |
Commercial |  |  | 445 |  |  |  | 396 |
Multifamily and farmland |  |  | — |  |  |  | 12 |
Total real estate loans |  |  | 3,783 |  |  |  | 3,599 |
Loans not secured by real estate: |  |  |  |  |  |  |  |
Commercial loans |  |  | 94 |  |  |  | 100 |
Consumer loans |  |  | 42 |  |  |  | 12 |
Total |  | $ | 3,919 |  |  |  | 3,711 |
Impaired loans |
(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 |  | $ | 337 |  |  |  | — |  |  |  | 282 |  |  |  | 282 |  |  |  | 11 |
Single-family residential |  |  | 5,533 |  |  |  | 429 |  |  |  | 4,620 |  |  |  | 5,049 |  |  |  | 36 |
Single-family residential - |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Banco de la Gente non-traditional |  |  | 16,565 |  |  |  | — |  |  |  | 15,934 |  |  |  | 15,934 |  |  |  | 1,055 |
Commercial |  |  | 2,371 |  |  |  | 190 |  |  |  | 1,861 |  |  |  | 2,051 |  |  |  | 13 |
Multifamily and farmland |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Total impaired real estate loans |  |  | 24,806 |  |  |  | 619 |  |  |  | 22,697 |  |  |  | 23,316 |  |  |  | 1,115 |
Loans not secured by real estate: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial loans |  |  | 257 |  |  |  | 94 |  |  |  | 1 |  |  |  | 95 |  |  |  | — |
Consumer loans |  |  | 158 |  |  |  | — |  |  |  | 155 |  |  |  | 155 |  |  |  | 2 |
Total impaired loans |  | $ | 25,221 |  |  |  | 713 |  |  |  | 22,853 |  |  |  | 23,566 |  |  |  | 1,117 |
(Dollars in thousands) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
|  | Three months ended |  | Nine months ended
|  | September 30, 2018 |  | September 30, 2017 |  | September 30, 2018 |  | September 30, 2017
|  | 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 |  | $ | 320 |  |  |  | 2 |  |  |  | 246 |  |  |  | 5 |  |  |  | 326 |  |  |  | 14 |  |  |  | 253 |  |  |  | 11 |
Single-family residential |  |  | 6,441 |  |  |  | 73 |  |  |  | 4,783 |  |  |  | 71 |  |  |  | 6,350 |  |  |  | 207 |  |  |  | 5,113 |  |  |  | 202 |
Single-family residential - |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Banco de la Gente non-traditional |  |  | 14,602 |  |  |  | 236 |  |  |  | 17,283 |  |  |  | 225 |  |  |  | 14,851 |  |  |  | 703 |  |  |  | 17,235 |  |  |  | 694 |
Commercial |  |  | 2,320 |  |  |  | 17 |  |  |  | 3,852 |  |  |  | 18 |  |  |  | 2,307 |  |  |  | 97 |  |  |  | 3,712 |  |  |  | 144 |
Multifamily and farmland |  |  | — |  |  |  | — |  |  |  | 12 |  |  |  | — |  |  |  | 3 |  |  |  | — |  |  |  | 45 |  |  |  | — |
Total impaired real estate loans |  |  | 23,683 |  |  |  | 328 |  |  |  | 26,176 |  |  |  | 319 |  |  |  | 23,837 |  |  |  | 1,021 |  |  |  | 26,358 |  |  |  | 1,051 |
Loans not secured by real estate: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial loans |  |  | 96 |  |  |  | — |  |  |  | 243 |  |  |  | — |  |  |  | 99 |  |  |  | — |  |  |  | 130 |  |  |  | 3 |
Consumer loans |  |  | 144 |  |  |  | 3 |  |  |  | 183 |  |  |  | 3 |  |  |  | 147 |  |  |  | 7 |  |  |  | 206 |  |  |  | 8 |
Total impaired loans |  | $ | 23,923 |  |  |  | 331 |  |  |  | 26,602 |  |  |  | 322 |  |  |  | 24,083 |  |  |  | 1,028 |  |  |  | 26,694 |  |  |  | 1,062 |
(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 |  |  |  | — |  |  |  | 277 |  |  |  | 277 |  |  |  | 6 |  |  |  | 253 |  |  |  | 17 |
Single-family residential |  |  | 5,226 |  |  |  | 1,135 |  |  |  | 3,686 |  |  |  | 4,821 |  |  |  | 41 |  |  |  | 5,113 |  |  |  | 265 |
Single-family residential - |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Banco de la Gente non-traditional |  |  | 17,360 |  |  |  | — |  |  |  | 16,805 |  |  |  | 16,805 |  |  |  | 1,149 |  |  |  | 16,867 |  |  |  | 920 |
Commercial |  |  | 2,761 |  |  |  | 807 |  |  |  | 1,661 |  |  |  | 2,468 |  |  |  | 1 |  |  |  | 3,411 |  |  |  | 148 |
Multifamily and farmland |  |  | 78 |  |  |  | — |  |  |  | 12 |  |  |  | 12 |  |  |  | — |  |  |  | 28 |  |  |  | — |
Total impaired real estate loans |  |  | 25,707 |  |  |  | 1,942 |  |  |  | 22,441 |  |  |  | 24,383 |  |  |  | 1,197 |  |  |  | 25,672 |  |  |  | 1,350 |
Loans not secured by real estate: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial loans |  |  | 264 |  |  |  | 100 |  |  |  | 4 |  |  |  | 104 |  |  |  | — |  |  |  | 149 |  |  |  | 3 |
Consumer loans |  |  | 158 |  |  |  | — |  |  |  | 154 |  |  |  | 154 |  |  |  | 2 |  |  |  | 194 |  |  |  | 9 |
Total impaired loans |  | $ | 26,129 |  |  |  | 2,042 |  |  |  | 22,599 |  |  |  | 24,641 |  |  |  | 1,199 |  |  |  | 26,015 |  |  |  | 1,362 |
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 Non-traditional |  | Commercial |  | Multifamily and Farmland |  | Commercial |  | Farm |  | Consumer and All Other |  | Unallocated |  | Total
Nine months ended September 30, 2018: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Allowance for loan losses: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Beginning balance |  | $ | 804 |  |  |  | 1,812 |  |  |  | 1,280 |  |  |  | 1,193 |  |  |  | 72 |  |  |  | 574 |  |  |  | — |  |  |  | 155 |  |  |  | 476 |  |  |  | 6,366 |
Charge-offs |  |  | (53 | ) |  |  | (115 | ) |  |  | — |  |  |  | (271 | ) |  |  | (5 | ) |  |  | (4 | ) |  |  | — |  |  |  | (318 | ) |  |  | — |  |  |  | (766 | )
Recoveries |  |  | 4 |  |  |  | 55 |  |  |  | — |  |  |  | 101 |  |  |  | 1 |  |  |  | 23 |  |  |  | — |  |  |  | 139 |  |  |  | — |  |  |  | 323 |
Provision |  |  | (63 | ) |  |  | (293 | ) |  |  | (75 | ) |  |  | 438 |  |  |  | 10 |  |  |  | 12 |  |  |  | — |  |  |  | 182 |  |  |  | 161 |  |  |  | 372 |
Ending balance |  | $ | 692 |  |  |  | 1,459 |  |  |  | 1,205 |  |  |  | 1,461 |  |  |  | 78 |  |  |  | 605 |  |  |  | — |  |  |  | 158 |  |  |  | 637 |  |  |  | 6,295 |
Three months ended September 30, 2018: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Allowance for loan losses: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Beginning balance |  | $ | 668 |  |  |  | 1,638 |  |  |  | 1,233 |  |  |  | 1,420 |  |  |  | 72 |  |  |  | 587 |  |  |  | — |  |  |  | 150 |  |  |  | 509 |  |  |  | 6,277 |
Charge-offs |  |  | (53 | ) |  |  | (73 | ) |  |  | — |  |  |  | — |  |  |  | — |  |  |  | (1 | ) |  |  | — |  |  |  | (132 | ) |  |  | — |  |  |  | (259 | )
Recoveries |  |  | 1 |  |  |  | 28 |  |  |  | — |  |  |  | 94 |  |  |  | — |  |  |  | 7 |  |  |  | — |  |  |  | 37 |  |  |  | — |  |  |  | 167 |
Provision |  |  | 76 |  |  |  | (134 | ) |  |  | (28 | ) |  |  | (53 | ) |  |  | 6 |  |  |  | 12 |  |  |  | — |  |  |  | 103 |  |  |  | 128 |  |  |  | 110 |
Ending balance |  | $ | 692 |  |  |  | 1,459 |  |  |  | 1,205 |  |  |  | 1,461 |  |  |  | 78 |  |  |  | 605 |  |  |  | — |  |  |  | 158 |  |  |  | 637 |  |  |  | 6,295 |
Allowance for loan losses at September 30, 2018: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Ending balance: individually |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
evaluated for impairment |  | $ | 5 |  |  |  | 2 |  |  |  | 1,036 |  |  |  | 12 |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 1,055 |
Ending balance: collectively |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
evaluated for impairment |  |  | 687 |  |  |  | 1,457 |  |  |  | 169 |  |  |  | 1,449 |  |  |  | 78 |  |  |  | 605 |  |  |  | — |  |  |  | 158 |  |  |  | 637 |  |  |  | 5,240 |
Ending balance |  | $ | 692 |  |  |  | 1,459 |  |  |  | 1,205 |  |  |  | 1,461 |  |  |  | 78 |  |  |  | 605 |  |  |  | — |  |  |  | 158 |  |  |  | 637 |  |  |  | 6,295 |
Loans at September 30, 2018: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Ending balance |  | $ | 76,987 |  |  |  | 249,812 |  |  |  | 34,742 |  |  |  | 275,629 |  |  |  | 31,102 |  |  |  | 97,085 |  |  |  | 994 |  |  |  | 20,373 |  |  |  | — |  |  |  | 786,724 |
Ending balance: individually |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
evaluated for impairment |  | $ | 98 |  |  |  | 2,171 |  |  |  | 14,557 |  |  |  | 1,879 |  |  |  | — |  |  |  | 94 |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 18,799 |
Ending balance: collectively |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
evaluated for impairment |  | $ | 76,889 |  |  |  | 247,641 |  |  |  | 20,185 |  |  |  | 273,750 |  |  |  | 31,102 |  |  |  | 96,991 |  |  |  | 994 |  |  |  | 20,373 |  |  |  | — |  |  |  | 767,925 |
(Dollars in thousands) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
|  | Real Estate Loans |  |  |  |  |  |  |  |  |  |
|  | Construction and Land Development |  | Single-Family Residential |  | Single-Family Residential - Banco de la Gente Non-traditional |  | Commercial |  | Multifamily and Farmland |  | Commercial |  | Farm |  | Consumer and All Other |  | Unallocated |  | Total
Nine months ended September 30, 2017: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Allowance for loan losses: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Beginning balance |  | $ | 1,152 |  |  |  | 2,126 |  |  |  | 1,377 |  |  |  | 1,593 |  |  |  | 52 |  |  |  | 675 |  |  |  | — |  |  |  | 204 |  |  |  | 371 |  |  |  | 7,550 |
Charge-offs |  |  | — |  |  |  | (64 | ) |  |  | — |  |  |  | — |  |  |  | (66 | ) |  |  | (63 | ) |  |  | — |  |  |  | (288 | ) |  |  | — |  |  |  | (481 | )
Recoveries |  |  | 12 |  |  |  | 26 |  |  |  | — |  |  |  | 17 |  |  |  | — |  |  |  | 23 |  |  |  | — |  |  |  | 102 |  |  |  | — |  |  |  | 180 |
Provision |  |  | (178 | ) |  |  | (211 | ) |  |  | (101 | ) |  |  | (192 | ) |  |  | 86 |  |  |  | (74 | ) |  |  | — |  |  |  | 143 |  |  |  | 122 |  |  |  | (405 | )
Ending balance |  | $ | 986 |  |  |  | 1,877 |  |  |  | 1,276 |  |  |  | 1,418 |  |  |  | 72 |  |  |  | 561 |  |  |  | — |  |  |  | 161 |  |  |  | 493 |  |  |  | 6,844 |
Three months ended September 30, 2017: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Allowance for loan losses: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Beginning balance |  | $ | 1,183 |  |  |  | 1,819 |  |  |  | 1,293 |  |  |  | 1,463 |  |  |  | 75 |  |  |  | 704 |  |  |  | — |  |  |  | 158 |  |  |  | 472 |  |  |  | 7,167 |
Charge-offs |  |  | — |  |  |  | (20 | ) |  |  | — |  |  |  | — |  |  |  | — |  |  |  | (26 | ) |  |  | — |  |  |  | (106 | ) |  |  | — |  |  |  | (152 | )
Recoveries |  |  | 2 |  |  |  | 9 |  |  |  | — |  |  |  | 4 |  |  |  | — |  |  |  | 8 |  |  |  | — |  |  |  | 24 |  |  |  | — |  |  |  | 47 |
Provision |  |  | (199 | ) |  |  | 69 |  |  |  | (17 | ) |  |  | (49 | ) |  |  | (3 | ) |  |  | (125 | ) |  |  | — |  |  |  | 85 |  |  |  | 21 |  |  |  | (218 | )
Ending balance |  | $ | 986 |  |  |  | 1,877 |  |  |  | 1,276 |  |  |  | 1,418 |  |  |  | 72 |  |  |  | 561 |  |  |  | — |  |  |  | 161 |  |  |  | 493 |  |  |  | 6,844 |
Allowance for loan losses at September 30, 2017: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Ending balance: individually |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
evaluated for impairment |  | $ | — |  |  |  | — |  |  |  | 1,104 |  |  |  | 42 |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 1,146 |
Ending balance: collectively |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
evaluated for impairment |  |  | 986 |  |  |  | 1,877 |  |  |  | 172 |  |  |  | 1,376 |  |  |  | 72 |  |  |  | 561 |  |  |  | — |  |  |  | 161 |  |  |  | 493 |  |  |  | 5,698 |
Ending balance |  | $ | 986 |  |  |  | 1,877 |  |  |  | 1,276 |  |  |  | 1,418 |  |  |  | 72 |  |  |  | 561 |  |  |  | — |  |  |  | 161 |  |  |  | 493 |  |  |  | 6,844 |
Loans at September 30, 2017: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Ending balance |  | $ | 75,483 |  |  |  | 247,184 |  |  |  | 37,840 |  |  |  | 245,279 |  |  |  | 28,662 |  |  |  | 87,019 |  |  |  | 895 |  |  |  | 25,075 |  |  |  | — |  |  |  | 747,437 |
Ending balance: individually |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
evaluated for impairment |  | $ | 10 |  |  |  | 1,875 |  |  |  | 15,732 |  |  |  | 3,069 |  |  |  | — |  |  |  | 229 |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 20,915 |
Ending balance: collectively |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
evaluated for impairment |  | $ | 75,473 |  |  |  | 245,309 |  |  |  | 22,108 |  |  |  | 242,210 |  |  |  | 28,662 |  |  |  | 86,790 |  |  |  | 895 |  |  |  | 25,075 |  |  |  | — |  |  |  | 726,522 |
Credit risk profile of each loan type based on internally assigned risk grade |
September 30, 2018 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
(Dollars in thousands) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
|  |  | Real Estate Loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
|  |  | Construction and Land Development |  |  |  | Single-Family Residential |  |  |  | Single-Family Residential - Banco de la Gente Non-traditional |  |  |  | Commercial |  |  |  | Multifamily and Farmland |  |  |  | Commercial |  |  |  | Farm |  |  |  | Consumer |  |  |  | All Other |  |  |  | Total |
1- Excellent Quality |  | $ | 410 |  |  |  | 7,583 |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 662 |  |  |  | — |  |  |  | 668 |  |  |  | — |  |  |  | 9,323 |
2- High Quality |  |  | 15,413 |  |  |  | 125,945 |  |  |  | — |  |  |  | 35,362 |  |  |  | 430 |  |  |  | 24,141 |  |  |  | — |  |  |  | 3,462 |  |  |  | 2,174 |  |  |  | 206,927 |
3- Good Quality |  |  | 51,835 |  |  |  | 91,936 |  |  |  | 13,927 |  |  |  | 215,902 |  |  |  | 25,758 |  |  |  | 65,302 |  |  |  | 845 |  |  |  | 4,733 |  |  |  | 7,924 |  |  |  | 478,162 |
4- Management Attention |  |  | 5,210 |  |  |  | 17,218 |  |  |  | 15,392 |  |  |  | 21,271 |  |  |  | 3,813 |  |  |  | 6,601 |  |  |  | 149 |  |  |  | 581 |  |  |  | 763 |  |  |  | 70,998 |
5- Watch |  |  | 3,924 |  |  |  | 3,844 |  |  |  | 2,425 |  |  |  | 2,649 |  |  |  | 1,101 |  |  |  | 273 |  |  |  | — |  |  |  | 18 |  |  |  | — |  |  |  | 14,234 |
6- Substandard |  |  | 195 |  |  |  | 3,286 |  |  |  | 2,998 |  |  |  | 445 |  |  |  | — |  |  |  | 106 |  |  |  | — |  |  |  | 50 |  |  |  | — |  |  |  | 7,080 |
7- Doubtful |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
8- Loss |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Total |  | $ | 76,987 |  |  |  | 249,812 |  |  |  | 34,742 |  |  |  | 275,629 |  |  |  | 31,102 |  |  |  | 97,085 |  |  |  | 994 |  |  |  | 9,512 |  |  |  | 10,861 |  |  |  | 786,724 |
December 31, 2017 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
(Dollars in thousands) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
|  |  | Real Estate Loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
|  |  | Construction and Land Development |  |  |  | Single-Family Residential |  |  |  | Single-Family Residential - Banco de la Gente Non-traditional |  |  |  | Commercial |  |  |  | Multifamily and Farmland |  |  |  | Commercial |  |  |  | Farm |  |  |  | Consumer |  |  |  | All Other |  |  |  | Total |
1- Excellent Quality |  | $ | 152 |  |  |  | 8,590 |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 446 |  |  |  | — |  |  |  | 791 |  |  |  | — |  |  |  | 9,979 |
2- High Quality |  |  | 20,593 |  |  |  | 120,331 |  |  |  | — |  |  |  | 34,360 |  |  |  | 561 |  |  |  | 17,559 |  |  |  | — |  |  |  | 3,475 |  |  |  | 2,410 |  |  |  | 199,289 |
3- Good Quality |  |  | 53,586 |  |  |  | 89,120 |  |  |  | 14,955 |  |  |  | 196,439 |  |  |  | 25,306 |  |  |  | 65,626 |  |  |  | 1,085 |  |  |  | 5,012 |  |  |  | 9,925 |  |  |  | 461,054 |
4- Management Attention |  |  | 4,313 |  |  |  | 20,648 |  |  |  | 15,113 |  |  |  | 13,727 |  |  |  | 1,912 |  |  |  | 5,051 |  |  |  | 119 |  |  |  | 562 |  |  |  | 802 |  |  |  | 62,247 |
5- Watch |  |  | 6,060 |  |  |  | 4,796 |  |  |  | 3,357 |  |  |  | 3,671 |  |  |  | 1,146 |  |  |  | 223 |  |  |  | — |  |  |  | 23 |  |  |  | — |  |  |  | 19,276 |
6- Substandard |  |  | 283 |  |  |  | 3,218 |  |  |  | 3,824 |  |  |  | 440 |  |  |  | 12 |  |  |  | 117 |  |  |  | — |  |  |  | 25 |  |  |  | — |  |  |  | 7,919 |
7- Doubtful |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
8- Loss |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Total |  | $ | 84,987 |  |  |  | 246,703 |  |  |  | 37,249 |  |  |  | 248,637 |  |  |  | 28,937 |  |  |  | 89,022 |  |  |  | 1,204 |  |  |  | 9,888 |  |  |  | 13,137 |  |  |  | 759,764 |
Analysis of TDR loans by loan type |
Three months ended September 30, 2018 |  |  |  |  |  |
(Dollars in thousands) |  |  |  |  |  |
|  | Number of Contracts |  | Pre-Modification Outstanding Recorded Investment |  | Post-Modification Outstanding Recorded Investment
Real estate loans |  |  |  |  |  |  |  |  |  |  |  |
Single-family residential |  |  | 1 |  |  | $ | 61 |  |  |  | 61 |
Total real estate TDR loans |  |  | 1 |  |  |  | 61 |  |  |  | 61 |
Total TDR loans |  |  | 1 |  |  | $ | 61 |  |  |  | 61 |
Nine months ended September 30, 2018 |  |  |  |  |  |
(Dollars in thousands) |  |  |  |  |  |
|  | Number of Contracts |  | Pre-Modification Outstanding Recorded Investment |  | Post-Modification Outstanding Recorded Investment
Real estate loans |  |  |  |  |  |  |  |  |  |  |  |
Single-family residential |  |  | 2 |  |  | $ | 94 |  |  |  | 94 |
Total real estate TDR loans |  |  | 2 |  |  |  | 94 |  |  |  | 94 |
Total TDR loans |  |  | 2 |  |  | $ | 94 |  |  |  | 94 |
Three and nine months ended September 30, 2017 |  |  |  |  |  |
(Dollars in thousands) |  |  |  |  |  |
|  | Number of Contracts |  | Pre-Modification Outstanding Recorded Investment |  | Post-Modification Outstanding Recorded Investment
Real estate loans |  |  |  |  |  |  |  |  |  |  |  |
Single-family residential |  |  | 2 |  |  | $ | 22 |  |  |  | 22 |
Total real estate TDR loans |  |  | 2 |  |  |  | 22 |  |  |  | 22 |
Total TDR loans |  |  | 2 |  |  | $ | 22 |  |  |  | 22 |

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