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3. Loans (Tables) | 12 Months Ended
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Dec. 31, 2018
Loans Tables Abstract |
Major classifications of loans |
(Dollars in thousands) |  |  |  |
|  | December 31, 2018 |  | December 31, 2017
Real estate loans: |  |  |  |  |  |  |  |
Construction and land development |  | $ | 94,178 |  |  |  | 84,987 |
Single-family residential |  |  | 252,983 |  |  |  | 246,703 |
Single-family residential - |  |  |  |  |  |  |  |
Banco de la Gente non-traditional |  |  | 34,261 |  |  |  | 37,249 |
Commercial |  |  | 270,055 |  |  |  | 248,637 |
Multifamily and farmland |  |  | 33,163 |  |  |  | 28,937 |
Total real estate loans |  |  | 684,640 |  |  |  | 646,513 |
Loans not secured by real estate: |  |  |  |  |  |  |  |
Commercial loans |  |  | 97,465 |  |  |  | 89,022 |
Farm loans |  |  | 926 |  |  |  | 1,204 |
Consumer loans |  |  | 9,165 |  |  |  | 9,888 |
All other loans |  |  | 11,827 |  |  |  | 13,137 |
Total loans |  |  | 804,023 |  |  |  | 759,764 |
Less allowance for loan losses |  |  | 6,445 |  |  |  | 6,366 |
Net loans |  | $ | 797,578 |  |  |  | 753,398 |
Age analysis of past due loans, by loan type |
December 31, 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 |  | $ | 3 |  |  |  | — |  |  |  | 3 |  |  |  | 94,175 |  |  |  | 94,178 |  |  |  | — |
Single-family residential |  |  | 4,162 |  |  |  | 570 |  |  |  | 4,732 |  |  |  | 248,251 |  |  |  | 252,983 |  |  |  | — |
Single-family residential - |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Banco de la Gente non-traditional |  |  | 4,627 |  |  |  | 580 |  |  |  | 5,207 |  |  |  | 29,054 |  |  |  | 34,261 |  |  |  | — |
Commercial |  |  | 228 |  |  |  | — |  |  |  | 228 |  |  |  | 269,827 |  |  |  | 270,055 |  |  |  | — |
Multifamily and farmland |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 33,163 |  |  |  | 33,163 |  |  |  | — |
Total real estate loans |  |  | 9,020 |  |  |  | 1,150 |  |  |  | 10,170 |  |  |  | 674,470 |  |  |  | 684,640 |  |  |  | — |
Loans not secured by real estate: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial loans |  |  | 445 |  |  |  | 90 |  |  |  | 535 |  |  |  | 96,930 |  |  |  | 97,465 |  |  |  | — |
Farm loans |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 926 |  |  |  | 926 |  |  |  | — |
Consumer loans |  |  | 99 |  |  |  | 4 |  |  |  | 103 |  |  |  | 9,062 |  |  |  | 9,165 |  |  |  | — |
All other loans |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 11,827 |  |  |  | 11,827 |  |  |  | — |
Total loans |  | $ | 9,564 |  |  |  | 1,244 |  |  |  | 10,808 |  |  |  | 793,215 |  |  |  | 804,023 |  |  |  | — |
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) |  |  |  |
|  | December 31, 2018 |  | December 31, 2017
Real estate loans: |  |  |  |  |  |  |  |
Construction and land development |  | $ | 1 |  |  |  | 14 |
Single-family residential |  |  | 1,530 |  |  |  | 1,634 |
Single-family residential - |  |  |  |  |  |  |  |
Banco de la Gente non-traditional |  |  | 1,440 |  |  |  | 1,543 |
Commercial |  |  | 244 |  |  |  | 396 |
Multifamily and farmland |  |  | — |  |  |  | 12 |
Total real estate loans |  |  | 3,215 |  |  |  | 3,599 |
Loans not secured by real estate: |  |  |  |  |  |  |  |
Commercial loans |  |  | 89 |  |  |  | 100 |
Consumer loans |  |  | 10 |  |  |  | 12 |
Total |  | $ | 3,314 |  |  |  | 3,711 |
Impaired loans |
December 31, 2018 |  |  |  |  |  |  |  |  |  |  |  |  |  |
(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 |  | $ | 281 |  |  |  | — |  |  |  | 279 |  |  |  | 279 |  |  |  | 5 |  |  |  | 327 |  |  |  | 19 |
Single-family residential |  |  | 5,059 |  |  |  | 422 |  |  |  | 4,188 |  |  |  | 4,610 |  |  |  | 32 |  |  |  | 6,271 |  |  |  | 261 |
Single-family residential - |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Banco de la Gente non-traditional |  |  | 16,424 |  |  |  | — |  |  |  | 15,776 |  |  |  | 15,776 |  |  |  | 1,042 |  |  |  | 14,619 |  |  |  | 944 |
Commercial |  |  | 1,995 |  |  |  | — |  |  |  | 1,925 |  |  |  | 1,925 |  |  |  | 17 |  |  |  | 2,171 |  |  |  | 111 |
Total impaired real estate loans |  |  | 23,759 |  |  |  | 422 |  |  |  | 22,168 |  |  |  | 22,590 |  |  |  | 1,096 |  |  |  | 23,388 |  |  |  | 1,335 |
Loans not secured by real estate: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial loans |  |  | 251 |  |  |  | 89 |  |  |  | 1 |  |  |  | 90 |  |  |  | — |  |  |  | 96 |  |  |  | — |
Consumer loans |  |  | 116 |  |  |  | — |  |  |  | 113 |  |  |  | 113 |  |  |  | 2 |  |  |  | 137 |  |  |  | 7 |
Total impaired loans |  | $ | 24,126 |  |  |  | 511 |  |  |  | 22,282 |  |  |  | 22,793 |  |  |  | 1,098 |  |  |  | 23,621 |  |  |  | 1,342 |
December 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 |  | $ | 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 |
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 non-traditional |  |  | 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 |
Fair value measurements for mortgage loans held for sale, impaired loans and other real estate on a non-recurring basis |
(Dollars in thousands) |  |  |  |  |  |  |  |
|  | Fair Value Measurements December 31, 2018 |  | Level 1 Valuation |  | Level 2 Valuation |  | Level 3 Valuation
Mortgage loans held for sale |  | $ | 680 |  |  |  | — |  |  |  | — |  |  |  | 680 |
Impaired loans |  | $ | 21,695 |  |  |  | — |  |  |  | — |  |  |  | 21,695 |
Other real estate |  | $ | 27 |  |  |  | — |  |  |  | — |  |  |  | 27 |
(Dollars in thousands) |  |  |  |  |  |  |  |
|  | Fair Value Measurements December 31, 2017 |  | Level 1 Valuation |  | Level 2 Valuation |  | Level 3 Valuation
Mortgage loans held for sale |  | $ | 857 |  |  |  | — |  |  |  | — |  |  |  | 857 |
Impaired loans |  | $ | 23,442 |  |  |  | — |  |  |  | — |  |  |  | 23,442 |
Other real estate |  | $ | 118 |  |  |  | — |  |  |  | — |  |  |  | 118 |
Changes in the allowance for loan losses | Changes in the allowance for loan losses for the year ended December 31, 2018 were as follows:
(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 |
Allowance for loan losses: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Beginning balance |  | $ | 804 |  |  |  | 1,812 |  |  |  | 1,280 |  |  |  | 1,193 |  |  |  | 72 |  |  |  | 574 |  |  |  | — |  |  |  | 155 |  |  |  | 476 |  |  |  | 6,366 |
Charge-offs |  |  | (53 | ) |  |  | (116 | ) |  |  | — |  |  |  | (453 | ) |  |  | (5 | ) |  |  | (54 | ) |  |  | — |  |  |  | (452 | ) |  |  | — |  |  |  | (1,133 | )
Recoveries |  |  | 10 |  |  |  | 106 |  |  |  | — |  |  |  | 105 |  |  |  | 1 |  |  |  | 32 |  |  |  | — |  |  |  | 168 |  |  |  | — |  |  |  | 422 |
Provision |  |  | 52 |  |  |  | (477 | ) |  |  | (103 | ) |  |  | 433 |  |  |  | 15 |  |  |  | 74 |  |  |  | — |  |  |  | 290 |  |  |  | 506 |  |  |  | 790 |
Ending balance |  | $ | 813 |  |  |  | 1,325 |  |  |  | 1,177 |  |  |  | 1,278 |  |  |  | 83 |  |  |  | 626 |  |  |  | — |  |  |  | 161 |  |  |  | 982 |  |  |  | 6,445 |
Ending balance: individually |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
evaluated for impairment |  | $ | — |  |  |  | — |  |  |  | 1,023 |  |  |  | 15 |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 1,038 |
Ending balance: collectively |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
evaluated for impairment |  |  | 813 |  |  |  | 1,325 |  |  |  | 154 |  |  |  | 1,263 |  |  |  | 83 |  |  |  | 626 |  |  |  | — |  |  |  | 161 |  |  |  | 982 |  |  |  | 5,407 |
Ending balance |  | $ | 813 |  |  |  | 1,325 |  |  |  | 1,177 |  |  |  | 1,278 |  |  |  | 83 |  |  |  | 626 |  |  |  | — |  |  |  | 161 |  |  |  | 982 |  |  |  | 6,445 |
Loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Ending balance |  | $ | 94,178 |  |  |  | 252,983 |  |  |  | 34,261 |  |  |  | 270,055 |  |  |  | 33,163 |  |  |  | 97,465 |  |  |  | 926 |  |  |  | 20,992 |  |  |  | — |  |  |  | 804,023 |
Ending balance: individually |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
evaluated for impairment |  | $ | 96 |  |  |  | 1,779 |  |  |  | 14,310 |  |  |  | 1,673 |  |  |  | — |  |  |  | 89 |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 17,947 |
Ending balance: collectively |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
evaluated for impairment |  | $ | 94,082 |  |  |  | 251,204 |  |  |  | 19,951 |  |  |  | 268,382 |  |  |  | 33,163 |  |  |  | 97,376 |  |  |  | 926 |  |  |  | 20,992 |  |  |  | — |  |  |  | 786,076 |
Changes in the allowance for loan losses for the year ended December 31, 2017 were as follows:
(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 |
Allowance for loan losses: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Beginning balance |  | $ | 1,152 |  |  |  | 2,126 |  |  |  | 1,377 |  |  |  | 1,593 |  |  |  | 52 |  |  |  | 675 |  |  |  | — |  |  |  | 204 |  |  |  | 371 |  |  |  | 7,550 |
Charge-offs |  |  | — |  |  |  | (249 | ) |  |  | — |  |  |  | — |  |  |  | (66 | ) |  |  | (194 | ) |  |  | — |  |  |  | (473 | ) |  |  | — |  |  |  | (982 | )
Recoveries |  |  | 14 |  |  |  | 85 |  |  |  | — |  |  |  | 21 |  |  |  | — |  |  |  | 31 |  |  |  | — |  |  |  | 154 |  |  |  | — |  |  |  | 305 |
Provision |  |  | (362 | ) |  |  | (150 | ) |  |  | (97 | ) |  |  | (421 | ) |  |  | 86 |  |  |  | 62 |  |  |  | — |  |  |  | 270 |  |  |  | 105 |  |  |  | (507 | )
Ending balance |  | $ | 804 |  |  |  | 1,812 |  |  |  | 1,280 |  |  |  | 1,193 |  |  |  | 72 |  |  |  | 574 |  |  |  | — |  |  |  | 155 |  |  |  | 476 |  |  |  | 6,366 |
Ending balance: individually |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
evaluated for impairment |  | $ | — |  |  |  | — |  |  |  | 1,093 |  |  |  | 37 |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 1,130 |
Ending balance: collectively |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
evaluated for impairment |  |  | 804 |  |  |  | 1,812 |  |  |  | 187 |  |  |  | 1,156 |  |  |  | 72 |  |  |  | 574 |  |  |  | — |  |  |  | 155 |  |  |  | 476 |  |  |  | 5,236 |
Ending balance |  | $ | 804 |  |  |  | 1,812 |  |  |  | 1,280 |  |  |  | 1,193 |  |  |  | 72 |  |  |  | 574 |  |  |  | — |  |  |  | 155 |  |  |  | 476 |  |  |  | 6,366 |
Loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Ending balance |  | $ | 84,987 |  |  |  | 246,703 |  |  |  | 37,249 |  |  |  | 248,637 |  |  |  | 28,937 |  |  |  | 89,022 |  |  |  | 1,204 |  |  |  | 23,025 |  |  |  | — |  |  |  | 759,764 |
Ending balance: individually |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
evaluated for impairment |  | $ | 98 |  |  |  | 1,855 |  |  |  | 15,460 |  |  |  | 2,251 |  |  |  | — |  |  |  | 100 |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 19,764 |
Ending balance: collectively |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
evaluated for impairment |  | $ | 84,889 |  |  |  | 244,848 |  |  |  | 21,789 |  |  |  | 246,386 |  |  |  | 28,937 |  |  |  | 88,922 |  |  |  | 1,204 |  |  |  | 23,025 |  |  |  | — |  |  |  | 740,000 |
Changes in the allowance for loan losses for the year ended December 31, 2016 were as follows:
(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 |
Allowance for loan losses: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Beginning balance |  | $ | 2,185 |  |  |  | 2,534 |  |  |  | 1,460 |  |  |  | 1,917 |  |  |  | — |  |  |  | 842 |  |  |  | — |  |  |  | 172 |  |  |  | 479 |  |  |  | 9,589 |
Charge-offs |  |  | (7 | ) |  |  | (275 | ) |  |  | — |  |  |  | (318 | ) |  |  | — |  |  |  | (146 | ) |  |  | — |  |  |  | (492 | ) |  |  | — |  |  |  | (1,238 | )
Recoveries |  |  | 10 |  |  |  | 55 |  |  |  | — |  |  |  | 19 |  |  |  | — |  |  |  | 170 |  |  |  | — |  |  |  | 151 |  |  |  | — |  |  |  | 405 |
Provision |  |  | (1,036 | ) |  |  | (188 | ) |  |  | (83 | ) |  |  | (25 | ) |  |  | 52 |  |  |  | (191 | ) |  |  | — |  |  |  | 373 |  |  |  | (108 | ) |  |  | (1,206 | )
Ending balance |  | $ | 1,152 |  |  |  | 2,126 |  |  |  | 1,377 |  |  |  | 1,593 |  |  |  | 52 |  |  |  | 675 |  |  |  | — |  |  |  | 204 |  |  |  | 371 |  |  |  | 7,550 |
Ending balance: individually |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
evaluated for impairment |  | $ | — |  |  |  | — |  |  |  | 1,160 |  |  |  | 159 |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 1,319 |
Ending balance: collectively |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
evaluated for impairment |  |  | 1,152 |  |  |  | 2,126 |  |  |  | 217 |  |  |  | 1,434 |  |  |  | 52 |  |  |  | 675 |  |  |  | — |  |  |  | 204 |  |  |  | 371 |  |  |  | 6,231 |
Ending balance |  | $ | 1,152 |  |  |  | 2,126 |  |  |  | 1,377 |  |  |  | 1,593 |  |  |  | 52 |  |  |  | 675 |  |  |  | — |  |  |  | 204 |  |  |  | 371 |  |  |  | 7,550 |
Loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Ending balance |  | $ | 61,749 |  |  |  | 240,700 |  |  |  | 40,189 |  |  |  | 247,521 |  |  |  | 21,047 |  |  |  | 87,596 |  |  |  | — |  |  |  | 25,009 |  |  |  | — |  |  |  | 723,811 |
Ending balance: individually |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
evaluated for impairment |  | $ | — |  |  |  | 935 |  |  |  | 16,718 |  |  |  | 3,648 |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 21,301 |
Ending balance: collectively |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
evaluated for impairment |  | $ | 61,749 |  |  |  | 239,765 |  |  |  | 23,471 |  |  |  | 243,873 |  |  |  | 21,047 |  |  |  | 87,596 |  |  |  | — |  |  |  | 25,009 |  |  |  | — |  |  |  | 702,510 |
Credit risk profile of each loan type based on internally assigned risk grade |
December 31, 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 |  | $ | 504 |  |  |  | 5,795 |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 605 |  |  |  | — |  |  |  | 673 |  |  |  | — |  |  |  | 7,577 |
2- High Quality |  |  | 24,594 |  |  |  | 128,588 |  |  |  | — |  |  |  | 25,321 |  |  |  | 395 |  |  |  | 20,520 |  |  |  | — |  |  |  | 3,229 |  |  |  | 2,145 |  |  |  | 204,792 |
3- Good Quality |  |  | 59,549 |  |  |  | 92,435 |  |  |  | 13,776 |  |  |  | 211,541 |  |  |  | 27,774 |  |  |  | 69,651 |  |  |  | 785 |  |  |  | 4,699 |  |  |  | 8,932 |  |  |  | 489,142 |
4- Management Attention |  |  | 5,707 |  |  |  | 19,200 |  |  |  | 15,012 |  |  |  | 30,333 |  |  |  | 3,906 |  |  |  | 6,325 |  |  |  | 141 |  |  |  | 529 |  |  |  | 750 |  |  |  | 81,903 |
5- Watch |  |  | 3,669 |  |  |  | 3,761 |  |  |  | 2,408 |  |  |  | 2,616 |  |  |  | 1,088 |  |  |  | 264 |  |  |  | — |  |  |  | 18 |  |  |  | — |  |  |  | 13,824 |
6- Substandard |  |  | 155 |  |  |  | 3,204 |  |  |  | 3,065 |  |  |  | 244 |  |  |  | — |  |  |  | 100 |  |  |  | — |  |  |  | 17 |  |  |  | — |  |  |  | 6,785 |
7- Doubtful |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
8- Loss |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Total |  | $ | 94,178 |  |  |  | 252,983 |  |  |  | 34,261 |  |  |  | 270,055 |  |  |  | 33,163 |  |  |  | 97,465 |  |  |  | 926 |  |  |  | 9,165 |  |  |  | 11,827 |  |  |  | 804,023 |
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 |
Year ended December 31, 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 TDR loans |  |  | 2 |  |  | $ | 94 |  |  |  | 94 |
Year ended December 31, 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 TDR loans |  |  | 2 |  |  | $ | 22 |  |  |  | 22 |

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