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3. Loans (Tables)

9 Months Ended

Sep. 30, 2019

Receivables [Abstract]

Major classifications of loans

		September 30, 2019				December 31, 2018
Real estate loans:
Construction and land development		$	95,622				94,178
Single-family residential			269,304				252,983
Single-family residential -
Banco de la Gente non-traditional			31,673				34,261
Commercial			281,607				270,055
Multifamily and farmland			47,266				33,163
Total real estate loans			725,472				684,640
Loans not secured by real estate:
Commercial loans			99,382				97,465
Farm loans			1,101				926
Consumer loans			8,473				9,165
All other loans			11,171				11,827
Total loans			845,599				804,023
Less allowance for loan losses			6,578				6,445
Total net loans		$	839,021				797,578

Age analysis of past due loans, by loan type

September 30, 2019

		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		$	123				-				123				95,499				95,622				-
Single-family residential			1,854				189				2,043				267,261				269,304				-
Single-family residential - Banco de la Gente non-traditional			1,568				50				1,618				30,055				31,673				-
Commercial			98				178				276				281,331				281,607				-
Multifamily and farmland			-				-				-				47,266				47,266				-
Total real estate loans			3,643				417				4,060				721,412				725,472				-
Loans not secured by real estate:
Commercial loans			412				-				412				98,970				99,382				-
Farm loans			-				-				-				1,101				1,101				-
Consumer loans			115				4				119				8,354				8,473				-
All other loans			-				-				-				11,171				11,171				-
Total loans		$	4,170				421				4,591				841,008				845,599				-

December 31, 2018

		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				-

Non-accrual loans

		September 30, 2019				December 31, 2018
Real estate loans:
Construction and land development		$	-				1
Single-family residential			1,293				1,530
Single-family residential - Banco de la Gente non-traditional			1,559				1,440
Commercial			260				244
Multifamily and farmland			-				-
Total real estate loans			3,112				3,215
Loans not secured by real estate:
Commercial loans			131				89
Consumer loans			15				10
Total		$	3,258				3,314

Impaired loans

September 30, 2019

		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		$	187				-				187				187				5
Single-family residential			4,900				409				4,010				4,419				31
Single-family residential - Banco de la Gente stated income			15,392				-				14,634				14,634				966
Commercial			1,896				-				1,888				1,888				12
Multifamily and farmland			-				-				-				-				-
Total impaired real estate loans			22,375				409				20,719				21,128				1,014
Loans not secured by real estate:
Commercial loans			578				100				88				188				1
Consumer loans			92				-				88				88				1
Total impaired loans		$	23,045				509				20,895				21,404				1,016

		Three months ended																Nine months ended
		September 30, 2019								September 30, 2018								September 30, 2019								September 30, 2018
		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		$	188				3				320				2				232				9				326				14
Single-family residential			4,360				70				6,441				73				4,724				188				6,350				207
Single-family residential - Banco de la Gente Non-traditional			14,805				241				14,602				236				14,916				732				14,851				703
Commercial			1,808				26				2,320				17				1,823				71				2,307				97
Multifamily and farmland			-				-				-				-				-				-				3				-
Total impaired real estate loans			21,161				340				23,683				328				21,695				1,000				23,837				1,021
Loans not secured by real estate:
Commercial loans			153				16				96				-				127				20				99				-
Farm loans (non RE)			-				-				-				-				-				-				-				-
Consumer loans			94				1				144				3				102				5				147				7
Total impaired loans		$	21,408				357				23,923				331				21,924				1,025				24,083				1,028

December 31, 2018

		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

Changes in the allowance for loan losses

		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, 2019:
Allowance for loan losses:
Beginning balance		$	813				1,325				1,177				1,278				83				626				-				161				982				6,445
Charge-offs			(21	)			(42	)			-				-				-				(389	)			-				(459	)			-				(911	)
Recoveries			44				59				-				27				-				80				-				157				-				367
Provision			(141	)			22				(87	)			(26	)			35				333				-				303				238				677
Ending balance		$	695				1,364				1,090				1,279				118				650				-				162				1,220				6,578
Three months ended September 30, 2019:
Allowance for loan losses:
Beginning balance		$	763				1,312				1,116				1,334				110				548				-				161				1,197				6,541
Charge-offs			-				(19	)			-				-				-				(388	)			-				(144	)			-				(551	)
Recoveries			41				6				-				4				-				66				-				49				-				166
Provision			(109	)			65				(26	)			(59	)			8				424				-				96				23				422
Ending balance		$	695				1,364				1,090				1,279				118				650				-				162				1,220				6,578
Allowance for loan losses at September 30, 2019:
Ending balance: individually
evaluated for impairment		$	-				2				948				10				-				-				-				-				-				960
Ending balance: collectively
evaluated for impairment			695				1,362				142				1,269				118				650				-				162				1,220				5,618
Ending balance		$	695				1,364				1,090				1,279				118				650				-				162				1,220				6,578
Loans at September 30, 2019:
Ending balance		$	95,622				269,304				31,673				281,607				47,266				99,382				1,101				19,644				-				845,599
Ending balance: individually
evaluated for impairment		$	11				1,719				13,196				1,628				-				100				-				-				-				16,654
Ending balance: collectively
evaluated for impairment		$	95,611				267,585				18,477				279,979				47,266				99,282				1,101				19,644				-				828,945

		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

Credit risk profile of each loan type based on internally assigned risk grade

		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		$	-				9,078				-				-				-				632				-				700				-				10,410
2- High Quality			29,679				132,304				-				22,363				291				22,014				-				2,756				1,999				211,406
3- Good Quality			57,270				103,843				12,494				219,509				41,730				69,335				980				4,534				8,441				518,136
4- Management Attention			5,582				17,828				14,213				36,583				4,694				7,033				121				450				731				87,235
5- Watch			3,025				3,261				2,147				2,892				551				231				-				8				-				12,115
6- Substandard			66				2,990				2,819				260				-				137				-				25				-				6,297
7- Doubtful			-				-				-				-				-				-				-				-				-				-
8- Loss			-				-				-				-				-				-				-				-				-				-
Total		$	95,622				269,304				31,673				281,607				47,266				99,382				1,101				8,473				11,171				845,599

December 31, 2018

		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

TDR modifications analysis

Three months ended September 30, 2018

		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

		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

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