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3. Loans (Tables) | 3 Months Ended
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Mar. 31, 2020
Receivables [Abstract] |
Major classifications of loans |
(Dollars in thousands) |  |  |  |
|  | March 31, 2020 |  | December 31, 2019
Real estate loans: |  |  |  |  |  |  |  |
Construction and land development |  | $ | 105,939 |  |  |  | 92,596 |
Single-family residential |  |  | 271,489 |  |  |  | 269,475 |
Single-family residential - |  |  |  |  |  |  |  |
Banco de la Gente non-traditional |  |  | 29,887 |  |  |  | 30,793 |
Commercial |  |  | 301,490 |  |  |  | 291,255 |
Multifamily and farmland |  |  | 48,191 |  |  |  | 48,090 |
Total real estate loans |  |  | 756,996 |  |  |  | 732,209 |
Loans not secured by real estate: |  |  |  |  |  |  |  |
Commercial loans |  |  | 104,221 |  |  |  | 100,263 |
Farm loans |  |  | 1,044 |  |  |  | 1,033 |
Consumer loans |  |  | 8,241 |  |  |  | 8,432 |
All other loans |  |  | 10,062 |  |  |  | 7,937 |
Total loans |  |  | 880,564 |  |  |  | 849,874 |
Less allowance for loan losses |  |  | 8,112 |  |  |  | 6,680 |
Total net loans |  | $ | 872,452 |  |  |  | 843,194 |
Age analysis of past due loans, by loan type |
March 31, 2020 |  |  |  |  |  |  |  |  |  |  |  |
(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 |  | $ | 1,055 |  |  |  | — |  |  |  | 1,055 |  |  |  | 104,884 |  |  |  | 105,939 |  |  |  | — |
Single-family residential |  |  | 5,559 |  |  |  | 268 |  |  |  | 5,827 |  |  |  | 265,662 |  |  |  | 271,489 |  |  |  | 34 |
Single-family residential - |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Banco de la Gente non-traditional |  |  | 5,366 |  |  |  | 455 |  |  |  | 5,821 |  |  |  | 24,066 |  |  |  | 29,887 |  |  |  | — |
Commercial |  |  | 1,526 |  |  |  | 175 |  |  |  | 1,701 |  |  |  | 299,789 |  |  |  | 301,490 |  |  |  | — |
Multifamily and farmland |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 48,191 |  |  |  | 48,191 |  |  |  | — |
Total real estate loans |  |  | 13,506 |  |  |  | 898 |  |  |  | 14,404 |  |  |  | 742,592 |  |  |  | 756,996 |  |  |  | 34 |
Loans not secured by real estate: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial loans |  |  | 702 |  |  |  | 254 |  |  |  | 956 |  |  |  | 103,265 |  |  |  | 104,221 |  |  |  | — |
Farm loans |  |  | 93 |  |  |  | — |  |  |  | 93 |  |  |  | 951 |  |  |  | 1,044 |  |  |  | — |
Consumer loans |  |  | 119 |  |  |  | 3 |  |  |  | 122 |  |  |  | 8,119 |  |  |  | 8,241 |  |  |  | — |
All other loans |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 10,062 |  |  |  | 10,062 |  |  |  | — |
Total loans |  | $ | 14,420 |  |  |  | 1,155 |  |  |  | 15,575 |  |  |  | 864,989 |  |  |  | 880,564 |  |  |  | 34 |
December 31, 2019 |  |  |  |  |  |  |  |  |  |  |  |
(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 |  | $ | 803 |  |  |  | — |  |  |  | 803 |  |  |  | 91,793 |  |  |  | 92,596 |  |  |  | — |
Single-family residential |  |  | 3,000 |  |  |  | 126 |  |  |  | 3,126 |  |  |  | 266,349 |  |  |  | 269,475 |  |  |  | — |
Single-family residential - |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Banco de la Gente non-traditional |  |  | 4,834 |  |  |  | 413 |  |  |  | 5,247 |  |  |  | 25,546 |  |  |  | 30,793 |  |  |  | — |
Commercial |  |  | 504 |  |  |  | 176 |  |  |  | 680 |  |  |  | 290,575 |  |  |  | 291,255 |  |  |  | — |
Multifamily and farmland |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 48,090 |  |  |  | 48,090 |  |  |  | — |
Total real estate loans |  |  | 9,141 |  |  |  | 715 |  |  |  | 9,856 |  |  |  | 722,353 |  |  |  | 732,209 |  |  |  | — |
Loans not secured by real estate: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial loans |  |  | 432 |  |  |  | — |  |  |  | 432 |  |  |  | 99,831 |  |  |  | 100,263 |  |  |  | — |
Farm loans |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 1,033 |  |  |  | 1,033 |  |  |  | — |
Consumer loans |  |  | 170 |  |  |  | 22 |  |  |  | 192 |  |  |  | 8,240 |  |  |  | 8,432 |  |  |  | — |
All other loans |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 7,937 |  |  |  | 7,937 |  |  |  | — |
Total loans |  | $ | 9,743 |  |  |  | 737 |  |  |  | 10,480 |  |  |  | 839,394 |  |  |  | 849,874 |  |  |  | — |
Non-accrual loans |
(Dollars in thousands) |  |  |  |
|  | March 31, 2020 |  | December 31, 2019
Real estate loans: |  |  |  |  |  |  |  |
Construction and land development |  | $ | — |  |  |  | — |
Single-family residential |  |  | 1,132 |  |  |  | 1,378 |
Single-family residential - |  |  |  |  |  |  |  |
Banco de la Gente non-traditional |  |  | 1,946 |  |  |  | 1,764 |
Commercial |  |  | 476 |  |  |  | 256 |
Total real estate loans |  |  | 3,554 |  |  |  | 3,398 |
Loans not secured by real estate: |  |  |  |  |  |  |  |
Commercial loans |  |  | 378 |  |  |  | 122 |
Consumer loans |  |  | 34 |  |  |  | 33 |
Total |  | $ | 3,966 |  |  |  | 3,553 |
Impaired loans |
March 31, 2020 |  |  |  |  |  |  |  |  |  |  |  |  |  |
(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 |  | $ | 180 |  |  |  | — |  |  |  | 180 |  |  |  | 180 |  |  |  | 8 |  |  |  | 182 |  |  |  | 3 |
Single-family residential |  |  | 5,027 |  |  |  | 397 |  |  |  | 4,189 |  |  |  | 4,586 |  |  |  | 36 |  |  |  | 4,615 |  |  |  | 58 |
Single-family residential - |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Banco de la Gente non-traditional |  |  | 14,767 |  |  |  | 1,034 |  |  |  | 12,930 |  |  |  | 13,964 |  |  |  | 926 |  |  |  | 14,168 |  |  |  | 228 |
Commercial |  |  | 3,260 |  |  |  | — |  |  |  | 3,243 |  |  |  | 3,243 |  |  |  | 19 |  |  |  | 2,557 |  |  |  | 29 |
Multifamily and farmland |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Total impaired real estate loans |  |  | 23,234 |  |  |  | 1,431 |  |  |  | 20,542 |  |  |  | 21,973 |  |  |  | 989 |  |  |  | 21,522 |  |  |  | 318 |
Loans not secured by real estate: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial loans |  |  | 702 |  |  |  | 90 |  |  |  | 606 |  |  |  | 696 |  |  |  | 35 |  |  |  | 436 |  |  |  | 9 |
Consumer loans |  |  | 92 |  |  |  | — |  |  |  | 87 |  |  |  | 87 |  |  |  | 2 |  |  |  | 91 |  |  |  | 2 |
Total impaired loans |  | $ | 24,028 |  |  |  | 1,521 |  |  |  | 21,235 |  |  |  | 22,756 |  |  |  | 1,026 |  |  |  | 22,049 |  |  |  | 329 |
December 31, 2019 |  |  |  |  |  |  |  |  |  |  |  |  |  |
(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 |  | $ | 183 |  |  |  | — |  |  |  | 183 |  |  |  | 183 |  |  |  | 7 |  |  |  | 231 |  |  |  | 12 |
Single-family residential |  |  | 5,152 |  |  |  | 403 |  |  |  | 4,243 |  |  |  | 4,646 |  |  |  | 36 |  |  |  | 4,678 |  |  |  | 269 |
Single-family residential - |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Banco de la Gente non-traditional |  |  | 15,165 |  |  |  | — |  |  |  | 14,371 |  |  |  | 14,371 |  |  |  | 944 |  |  |  | 14,925 |  |  |  | 956 |
Commercial |  |  | 1,879 |  |  |  | — |  |  |  | 1,871 |  |  |  | 1,871 |  |  |  | 7 |  |  |  | 1,822 |  |  |  | 91 |
Total impaired real estate loans |  |  | 22,379 |  |  |  | 403 |  |  |  | 20,668 |  |  |  | 21,071 |  |  |  | 994 |  |  |  | 21,656 |  |  |  | 1,328 |
Loans not secured by real estate: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial loans |  |  | 180 |  |  |  | 92 |  |  |  | 84 |  |  |  | 176 |  |  |  | — |  |  |  | 134 |  |  |  | 9 |
Consumer loans |  |  | 100 |  |  |  | — |  |  |  | 96 |  |  |  | 96 |  |  |  | 2 |  |  |  | 105 |  |  |  | 7 |
Total impaired loans |  | $ | 22,659 |  |  |  | 495 |  |  |  | 20,848 |  |  |  | 21,343 |  |  |  | 996 |  |  |  | 21,895 |  |  |  | 1,344 |
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
Three months ended March 31, 2020 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Allowance for loan losses: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Beginning balance |  | $ | 694 |  |  |  | 1,274 |  |  |  | 1,073 |  |  |  | 1,305 |  |  |  | 120 |  |  |  | 688 |  |  |  | — |  |  |  | 138 |  |  |  | 1,388 |  |  |  | 6,680 |
Charge-offs |  |  | (5 | ) |  |  | — |  |  |  | — |  |  |  | (7 | ) |  |  | — |  |  |  | (31 | ) |  |  | — |  |  |  | (167 | ) |  |  | — |  |  |  | (210 | )
Recoveries |  |  | 2 |  |  |  | 16 |  |  |  | — |  |  |  | 23 |  |  |  | — |  |  |  | 25 |  |  |  | — |  |  |  | 55 |  |  |  | — |  |  |  | 121 |
Provision |  |  | 602 |  |  |  | 423 |  |  |  | 11 |  |  |  | 478 |  |  |  | (2 | ) |  |  | 335 |  |  |  | — |  |  |  | 154 |  |  |  | (480 | ) |  |  | 1,521 |
Ending balance |  | $ | 1,293 |  |  |  | 1,713 |  |  |  | 1,084 |  |  |  | 1,799 |  |  |  | 118 |  |  |  | 1,017 |  |  |  | — |  |  |  | 180 |  |  |  | 908 |  |  |  | 8,112 |
Allowance for loan losses March 31, 2020 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Ending balance: individually evaluated for impairment |  | $ | 2 |  |  |  | 6 |  |  |  | 906 |  |  |  | 9 |  |  |  | — |  |  |  | 29 |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 952 |
Ending balance: collectively evaluated for impairment |  |  | 1,291 |  |  |  | 1,707 |  |  |  | 178 |  |  |  | 1,790 |  |  |  | 118 |  |  |  | 988 |  |  |  | — |  |  |  | 180 |  |  |  | 908 |  |  |  | 7,160 |
Ending balance |  | $ | 1,293 |  |  |  | 1,713 |  |  |  | 1,084 |  |  |  | 1,799 |  |  |  | 118 |  |  |  | 1,017 |  |  |  | — |  |  |  | 180 |  |  |  | 908 |  |  |  | 8,112 |
Loans March 31, 2020: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Ending balance |  | $ | 105,939 |  |  |  | 271,489 |  |  |  | 29,887 |  |  |  | 301,490 |  |  |  | 48,191 |  |  |  | 104,221 |  |  |  | 1,044 |  |  |  | 18,303 |  |  |  | — |  |  |  | 880,564 |
Ending balance: individually evaluated for impairment |  | $ | 8 |  |  |  | 1,678 |  |  |  | 12,489 |  |  |  | 2,095 |  |  |  | — |  |  |  | 344 |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 16,614 |
Ending balance: collectively evaluated for impairment |  | $ | 105,931 |  |  |  | 269,811 |  |  |  | 17,398 |  |  |  | 299,395 |  |  |  | 48,191 |  |  |  | 103,877 |  |  |  | 1,044 |  |  |  | 18,303 |  |  |  | — |  |  |  | 863,950 |
(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 |
Three months ended March 31, 2019 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Allowance for loan losses: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Beginning balance |  | $ | 813 |  |  |  | 1,325 |  |  |  | 1,177 |  |  |  | 1,278 |  |  |  | 83 |  |  |  | 626 |  |  |  | — |  |  |  | 161 |  |  |  | 982 |  |  |  | 6,445 |
Charge-offs |  |  | — |  |  |  | (13 | ) |  |  | — |  |  |  | — |  |  |  | — |  |  |  | (1 | ) |  |  | — |  |  |  | (150 | ) |  |  | — |  |  |  | (164 | )
Recoveries |  |  | 1 |  |  |  | 48 |  |  |  | — |  |  |  | 4 |  |  |  | — |  |  |  | 6 |  |  |  | — |  |  |  | 43 |  |  |  | — |  |  |  | 102 |
Provision |  |  | 17 |  |  |  | (104 | ) |  |  | (3 | ) |  |  | 10 |  |  |  | 15 |  |  |  | (21 | ) |  |  | — |  |  |  | 108 |  |  |  | 156 |  |  |  | 178 |
Ending balance |  | $ | 831 |  |  |  | 1,256 |  |  |  | 1,174 |  |  |  | 1,292 |  |  |  | 98 |  |  |  | 610 |  |  |  | — |  |  |  | 162 |  |  |  | 1,138 |  |  |  | 6,561 |
Allowance for loan losses March 31, 2019 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Ending balance: individually |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
evaluated for impairment |  | $ | — |  |  |  | 2 |  |  |  | 1,008 |  |  |  | 13 |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 1,023 |
Ending balance: collectively |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
evaluated for impairment |  |  | 831 |  |  |  | 1,254 |  |  |  | 166 |  |  |  | 1,279 |  |  |  | 98 |  |  |  | 610 |  |  |  | — |  |  |  | 162 |  |  |  | 1,138 |  |  |  | 5,538 |
Ending balance |  | $ | 831 |  |  |  | 1,256 |  |  |  | 1,174 |  |  |  | 1,292 |  |  |  | 98 |  |  |  | 610 |  |  |  | — |  |  |  | 162 |  |  |  | 1,138 |  |  |  | 6,561 |
Loans March 31, 2019: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Ending balance |  | $ | 95,219 |  |  |  | 255,338 |  |  |  | 33,717 |  |  |  | 278,619 |  |  |  | 39,106 |  |  |  | 101,572 |  |  |  | 984 |  |  |  | 19,002 |  |  |  | — |  |  |  | 823,557 |
Ending balance: individually |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
evaluated for impairment |  | $ | 95 |  |  |  | 1,758 |  |  |  | 14,127 |  |  |  | 1,658 |  |  |  | — |  |  |  | 63 |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 17,701 |
Ending balance: collectively |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
evaluated for impairment |  | $ | 95,124 |  |  |  | 253,580 |  |  |  | 19,590 |  |  |  | 276,961 |  |  |  | 39,106 |  |  |  | 101,509 |  |  |  | 984 |  |  |  | 19,002 |  |  |  | — |  |  |  | 805,856 |
Credit risk profile of each loan type based on internally assigned risk grade |
March 31, 2020 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
(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 |  | $ | 65 |  |  |  | 8,378 |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 353 |  |  |  | — |  |  |  | 672 |  |  |  | — |  |  |  | 9,468 |
2- High Quality |  |  | 33,845 |  |  |  | 129,848 |  |  |  | — |  |  |  | 22,109 |  |  |  | 220 |  |  |  | 20,070 |  |  |  | — |  |  |  | 2,523 |  |  |  | 1,785 |  |  |  | 210,400 |
3- Good Quality |  |  | 63,525 |  |  |  | 108,720 |  |  |  | 11,685 |  |  |  | 237,118 |  |  |  | 42,810 |  |  |  | 75,457 |  |  |  | 964 |  |  |  | 4,558 |  |  |  | 7,557 |  |  |  | 552,394 |
4- Management Attention |  |  | 5,454 |  |  |  | 18,167 |  |  |  | 13,351 |  |  |  | 38,116 |  |  |  | 4,626 |  |  |  | 7,625 |  |  |  | 80 |  |  |  | 435 |  |  |  | 720 |  |  |  | 88,574 |
5- Watch |  |  | 2,988 |  |  |  | 3,405 |  |  |  | 1,938 |  |  |  | 3,289 |  |  |  | 535 |  |  |  | 288 |  |  |  | — |  |  |  | 8 |  |  |  | — |  |  |  | 12,451 |
6- Substandard |  |  | 62 |  |  |  | 2,971 |  |  |  | 2,913 |  |  |  | 858 |  |  |  | — |  |  |  | 428 |  |  |  | — |  |  |  | 45 |  |  |  | — |  |  |  | 7,277 |
7- Doubtful |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
8- Loss |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Total |  | $ | 105,939 |  |  |  | 271,489 |  |  |  | 29,887 |  |  |  | 301,490 |  |  |  | 48,191 |  |  |  | 104,221 |  |  |  | 1,044 |  |  |  | 8,241 |  |  |  | 10,062 |  |  |  | 880,564 |
December 31, 2019 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
(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 |  | $ | — |  |  |  | 8,819 |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 330 |  |  |  | — |  |  |  | 693 |  |  |  | — |  |  |  | 9,842 |
2- High Quality |  |  | 32,029 |  |  |  | 128,757 |  |  |  | — |  |  |  | 21,829 |  |  |  | 256 |  |  |  | 20,480 |  |  |  | — |  |  |  | 2,708 |  |  |  | 1,860 |  |  |  | 207,919 |
3- Good Quality |  |  | 52,009 |  |  |  | 107,246 |  |  |  | 12,103 |  |  |  | 231,003 |  |  |  | 42,527 |  |  |  | 72,417 |  |  |  | 948 |  |  |  | 4,517 |  |  |  | 5,352 |  |  |  | 528,122 |
4- Management Attention |  |  | 5,487 |  |  |  | 18,409 |  |  |  | 13,737 |  |  |  | 35,095 |  |  |  | 4,764 |  |  |  | 6,420 |  |  |  | 85 |  |  |  | 458 |  |  |  | 725 |  |  |  | 85,180 |
5- Watch |  |  | 3,007 |  |  |  | 3,196 |  |  |  | 2,027 |  |  |  | 3,072 |  |  |  | 543 |  |  |  | 492 |  |  |  | — |  |  |  | 8 |  |  |  | — |  |  |  | 12,345 |
6- Substandard |  |  | 64 |  |  |  | 3,048 |  |  |  | 2,926 |  |  |  | 256 |  |  |  | — |  |  |  | 124 |  |  |  | — |  |  |  | 48 |  |  |  | — |  |  |  | 6,466 |
7- Doubtful |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
8- Loss |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Total |  | $ | 92,596 |  |  |  | 269,475 |  |  |  | 30,793 |  |  |  | 291,255 |  |  |  | 48,090 |  |  |  | 100,263 |  |  |  | 1,033 |  |  |  | 8,432 |  |  |  | 7,937 |  |  |  | 849,874 |

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