XML 27 R17.htm IDEA: XBRL DOCUMENT
v3.20.2

3. Loans (Tables) | 9 Months Ended
--- | ---
Sep. 30, 2020
Receivables [Abstract] |
Major classifications of loans |
(Dollars in thousands) |  |  |  |
|  | September 30, 2020 |  | December 31, 2019
Real estate loans: |  |  |  |  |  |  |  |
Construction and land development |  | $ | 96,866 |  |  |  | 92,596 |
Single-family residential |  |  | 272,246 |  |  |  | 269,475 |
Single-family residential - Banco de la Gente non-traditional |  |  | 28,099 |  |  |  | 30,793 |
Commercial |  |  | 318,596 |  |  |  | 291,255 |
Multifamily and farmland |  |  | 49,584 |  |  |  | 48,090 |
Total real estate loans |  |  | 765,391 |  |  |  | 732,209 |
Loans not secured by real estate: |  |  |  |  |  |  |  |
Commercial loans |  |  | 182,862 |  |  |  | 100,263 |
Farm loans |  |  | 851 |  |  |  | 1,033 |
Consumer loans |  |  | 7,341 |  |  |  | 8,432 |
All other loans |  |  | 13,787 |  |  |  | 7,937 |
Total loans |  |  | 970,232 |  |  |  | 849,874 |
Less allowance for loan losses |  |  | 9,892 |  |  |  | 6,680 |
Total net loans |  | $ | 960,340 |  |  |  | 843,194 |
Age analysis of past due loans, by loan type |
September 30, 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 |  | $ | 8 |  |  |  | — |  |  |  | 8 |  |  |  | 96,858 |  |  |  | 96,866 |  |  |  | — |
Single-family residential |  |  | 837 |  |  |  | 378 |  |  |  | 1,215 |  |  |  | 271,031 |  |  |  | 272,246 |  |  |  | — |
Single-family residential - Banco de la Gente non-traditional |  |  | 428 |  |  |  | 131 |  |  |  | 559 |  |  |  | 27,540 |  |  |  | 28,099 |  |  |  | 84 |
Commercial |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 318,596 |  |  |  | 318,596 |  |  |  | — |
Multifamily and farmland |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 49,584 |  |  |  | 49,584 |  |  |  | — |
Total real estate loans |  |  | 1,273 |  |  |  | 509 |  |  |  | 1,782 |  |  |  | 763,609 |  |  |  | 765,391 |  |  |  | 84 |
Loans not secured by real estate: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial loans |  |  | 130 |  |  |  | — |  |  |  | 130 |  |  |  | 182,732 |  |  |  | 182,862 |  |  |  | — |
Farm loans |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 851 |  |  |  | 851 |  |  |  | — |
Consumer loans |  |  | 84 |  |  |  | 2 |  |  |  | 86 |  |  |  | 7,255 |  |  |  | 7,341 |  |  |  | — |
All other loans |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 13,787 |  |  |  | 13,787 |  |  |  | — |
Total loans |  | $ | 1,487 |  |  |  | 511 |  |  |  | 1,998 |  |  |  | 968,234 |  |  |  | 970,232 |  |  |  | 84 |
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) |  |  |  |
|  | September 30, 2020 |  | December 31, 2019
Real estate loans: |  |  |  |  |  |  |  |
Construction and land development |  | $ | — |  |  |  | — |
Single-family residential |  |  | 1,019 |  |  |  | 1,378 |
Single-family residential - Banco de la Gente non-traditional |  |  | 1,733 |  |  |  | 1,764 |
Commercial |  |  | 451 |  |  |  | 256 |
Total real estate loans |  |  | 3,203 |  |  |  | 3,398 |
Loans not secured by real estate: |  |  |  |  |  |  |  |
Commercial loans |  |  | 255 |  |  |  | 122 |
Consumer loans |  |  | 17 |  |  |  | 33 |
Total |  | $ | 3,475 |  |  |  | 3,553 |
Impaired loans | The following table presents impaired loans as of September 30, 2020:
September 30, 2020 |  |  |  |  |  |  |  |  |  |
(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 |  | $ | 113 |  |  |  | — |  |  |  | 113 |  |  |  | 113 |  |  |  | 4 |
Single-family residential |  |  | 5,110 |  |  |  | 388 |  |  |  | 4,309 |  |  |  | 4,697 |  |  |  | 18 |
Single-family residential - Banco de la Gente stated income |  |  | 13,854 |  |  |  | — |  |  |  | 13,055 |  |  |  | 13,055 |  |  |  | 865 |
Commercial |  |  | 2,579 |  |  |  | 351 |  |  |  | 2,206 |  |  |  | 2,557 |  |  |  | 13 |
Multifamily and farmland |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Total impaired real estate loans |  |  | 21,656 |  |  |  | 739 |  |  |  | 19,683 |  |  |  | 20,422 |  |  |  | 900 |
Loans not secured by real estate: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial loans |  |  | 569 |  |  |  | 255 |  |  |  | 259 |  |  |  | 514 |  |  |  | 2 |
Consumer loans |  |  | 53 |  |  |  | — |  |  |  | 49 |  |  |  | 49 |  |  |  | 1 |
Total impaired loans |  | $ | 22,278 |  |  |  | 994 |  |  |  | 19,991 |  |  |  | 20,985 |  |  |  | 903 |
The following table presents the average impaired loan balance and the interest income recognized by loan class for the three and nine months ended September 30, 2020 and 2019.
(Dollars in thousands) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
|  | Three months ended |  | Nine months ended
|  | September 30, 2020 |  | September 30, 2019 |  | September 30, 2020 |  | September 30, 2019
|  | 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 |  | $ | 153 |  |  |  | — |  |  |  | 188 |  |  |  | 3 |  |  |  | 123 |  |  |  | 7 |  |  |  | 232 |  |  |  | 9 |
Single-family residential |  |  | 5,107 |  |  |  | 63 |  |  |  | 4,360 |  |  |  | 70 |  |  |  | 4,451 |  |  |  | 181 |  |  |  | 4,724 |  |  |  | 188 |
Single-family residential - Banco de la Gente stated income |  |  | 13,402 |  |  |  | 197 |  |  |  | 14,805 |  |  |  | 241 |  |  |  | 13,785 |  |  |  | 617 |  |  |  | 14,916 |  |  |  | 732 |
Commercial |  |  | 2,665 |  |  |  | 31 |  |  |  | 1,808 |  |  |  | 26 |  |  |  | 2,772 |  |  |  | 103 |  |  |  | 1,823 |  |  |  | 71 |
Multifamily and farmland |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Total impaired real estate loans |  |  | 21,327 |  |  |  | 291 |  |  |  | 21,161 |  |  |  | 340 |  |  |  | 21,131 |  |  |  | 908 |  |  |  | 21,695 |  |  |  | 1,000 |
Loans not secured by real estate: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial loans |  |  | 494 |  |  |  | 7 |  |  |  | 153 |  |  |  | 16 |  |  |  | 553 |  |  |  | 22 |  |  |  | 127 |  |  |  | 20 |
Consumer loans |  |  | 74 |  |  |  | 1 |  |  |  | 94 |  |  |  | 1 |  |  |  | 57 |  |  |  | 4 |  |  |  | 102 |  |  |  | 5 |
Total impaired loans |  | $ | 21,895 |  |  |  | 299 |  |  |  | 21,408 |  |  |  | 357 |  |  |  | 21,741 |  |  |  | 934 |  |  |  | 21,924 |  |  |  | 1,025 |
The following table presents impaired loans as of and for the year ended December 31, 2019:
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 |
Nine months ended September 30, 2020: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Allowance for loan losses: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Beginning balance |  | $ | 694 |  |  |  | 1,274 |  |  |  | 1,073 |  |  |  | 1,305 |  |  |  | 120 |  |  |  | 688 |  |  |  | — |  |  |  | 138 |  |  |  | 1,388 |  |  |  | 6,680 |
Charge-offs |  |  | (5 | ) |  |  | (65 | ) |  |  | — |  |  |  | (7 | ) |  |  | — |  |  |  | (109 | ) |  |  | — |  |  |  | (343 | ) |  |  | — |  |  |  | (529 | )
Recoveries |  |  | 2 |  |  |  | 59 |  |  |  | — |  |  |  | 45 |  |  |  | — |  |  |  | 27 |  |  |  | — |  |  |  | 148 |  |  |  | — |  |  |  | 281 |
Provision |  |  | 573 |  |  |  | 482 |  |  |  | (11 | ) |  |  | 751 |  |  |  | (4 | ) |  |  | 355 |  |  |  | — |  |  |  | 254 |  |  |  | 1,060 |  |  |  | 3,460 |
Ending balance |  | $ | 1,264 |  |  |  | 1,750 |  |  |  | 1,062 |  |  |  | 2,094 |  |  |  | 116 |  |  |  | 961 |  |  |  | — |  |  |  | 197 |  |  |  | 2,448 |  |  |  | 9,892 |
Allowance for loan losses: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Beginning balance |  | $ | 1,531 |  |  |  | 1,813 |  |  |  | 1,114 |  |  |  | 2,051 |  |  |  | 115 |  |  |  | 980 |  |  |  | — |  |  |  | 162 |  |  |  | 1,667 |  |  |  | 9,433 |
Charge-offs |  |  | — |  |  |  | (65 | ) |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | (87 | ) |  |  | — |  |  |  | (152 | )
Recoveries |  |  | — |  |  |  | 34 |  |  |  | — |  |  |  | 11 |  |  |  | — |  |  |  | 2 |  |  |  | — |  |  |  | 42 |  |  |  | — |  |  |  | 89 |
Provision |  |  | (267 | ) |  |  | (32 | ) |  |  | (52 | ) |  |  | 32 |  |  |  | 1 |  |  |  | (21 | ) |  |  | — |  |  |  | 80 |  |  |  | 781 |  |  |  | 522 |
Ending balance |  | $ | 1,264 |  |  |  | 1,750 |  |  |  | 1,062 |  |  |  | 2,094 |  |  |  | 116 |  |  |  | 961 |  |  |  | — |  |  |  | 197 |  |  |  | 2,448 |  |  |  | 9,892 |
Allowance for loan losses at September 30, 2020: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Ending balance: individually evaluated for impairment |  | $ | 2 |  |  |  | 4 |  |  |  | 859 |  |  |  | 11 |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 876 |
Ending balance: collectively evaluated for impairment |  |  | 1,262 |  |  |  | 1,746 |  |  |  | 203 |  |  |  | 2,083 |  |  |  | 116 |  |  |  | 961 |  |  |  | — |  |  |  | 197 |  |  |  | 2,448 |  |  |  | 9,016 |
Ending balance |  | $ | 1,264 |  |  |  | 1,750 |  |  |  | 1,062 |  |  |  | 2,094 |  |  |  | 116 |  |  |  | 961 |  |  |  | — |  |  |  | 197 |  |  |  | 2,448 |  |  |  | 9,892 |
Loans at September 30, 2020: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Ending balance |  | $ | 96,866 |  |  |  | 272,246 |  |  |  | 28,099 |  |  |  | 318,596 |  |  |  | 49,584 |  |  |  | 182,862 |  |  |  | 851 |  |  |  | 21,128 |  |  |  | — |  |  |  | 970,232 |
Ending balance: individually evaluated for impairment |  | $ | 8 |  |  |  | 1,582 |  |  |  | 11,630 |  |  |  | 1,685 |  |  |  | — |  |  |  | 255 |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 15,160 |
Ending balance: collectively evaluated for impairment |  | $ | 96,858 |  |  |  | 270,664 |  |  |  | 16,469 |  |  |  | 316,911 |  |  |  | 49,584 |  |  |  | 182,607 |  |  |  | 851 |  |  |  | 21,128 |  |  |  | — |  |  |  | 955,072 |
(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, 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 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
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 |
Credit risk profile of each loan type based on internally assigned risk grade |
September 30, 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 |  | $ | 230 |  |  |  | 9,184 |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 739 |  |  |  | — |  |  |  | 675 |  |  |  | — |  |  |  | 10,828 |
2- High Quality |  |  | 17,962 |  |  |  | 125,821 |  |  |  | — |  |  |  | 30,959 |  |  |  | 261 |  |  |  | 24,377 |  |  |  | — |  |  |  | 2,373 |  |  |  | 1,643 |  |  |  | 203,396 |
3- Good Quality |  |  | 70,142 |  |  |  | 112,716 |  |  |  | 10,896 |  |  |  | 236,533 |  |  |  | 44,393 |  |  |  | 143,379 |  |  |  | 785 |  |  |  | 3,917 |  |  |  | 11,424 |  |  |  | 634,185 |
4- Management Attention |  |  | 5,506 |  |  |  | 18,472 |  |  |  | 12,643 |  |  |  | 41,687 |  |  |  | 4,344 |  |  |  | 12,555 |  |  |  | 66 |  |  |  | 336 |  |  |  | 720 |  |  |  | 96,329 |
5- Watch |  |  | 2,939 |  |  |  | 2,997 |  |  |  | 2,003 |  |  |  | 8,517 |  |  |  | 586 |  |  |  | 1,500 |  |  |  | — |  |  |  | 7 |  |  |  | — |  |  |  | 18,549 |
6- Substandard |  |  | 87 |  |  |  | 3,056 |  |  |  | 2,557 |  |  |  | 900 |  |  |  | — |  |  |  | 312 |  |  |  | — |  |  |  | 33 |  |  |  | — |  |  |  | 6,945 |
7- Doubtful |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
8- Loss |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Total |  | $ | 96,866 |  |  |  | 272,246 |  |  |  | 28,099 |  |  |  | 318,596 |  |  |  | 49,584 |  |  |  | 182,862 |  |  |  | 851 |  |  |  | 7,341 |  |  |  | 13,787 |  |  |  | 970,232 |
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 |

X
- Definition Tabular disclosure of allowance for credit loss on financing receivable. + References Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef -Publisher FASB -Name Accounting Standards Codification -Topic 310 -SubTopic 10 -Section 50 -Paragraph 11B -URI http://asc.fasb.org/extlink&oid=121611835&loc=SL6953423-111524 Reference 2: http://www.xbrl.org/2009/role/commonPracticeRef -Publisher FASB -Name Accounting Standards Codification -Topic 326 -SubTopic 20 -Section 50 -Paragraph 13 -URI http://asc.fasb.org/extlink&oid=121599337&loc=SL82919249-210447 + Details
Name: | us-gaap_AllowanceForCreditLossesOnFinancingReceivablesTableTextBlock
Namespace Prefix: | us-gaap_
Data Type: | nonnum:textBlockItemType
Balance Type: | na
Period Type: | duration

X
- Definition Tabular disclosure of financing receivables by credit quality indicator. The credit quality indicator is a statistic about the credit quality of financing receivables. Examples include, but not limited to, consumer credit risk scores, credit-rating-agency ratings, an entity's internal credit risk grades, loan-to-value ratios, collateral, collection experience and other internal metrics. + References Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef -Publisher FASB -Name Accounting Standards Codification -Topic 326 -SubTopic 20 -Section 50 -Paragraph 5 -URI http://asc.fasb.org/extlink&oid=121599337&loc=SL82919230-210447 Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef -Publisher FASB -Name Accounting Standards Codification -Topic 310 -SubTopic 10 -Section 50 -Paragraph 29 -URI http://asc.fasb.org/extlink&oid=121611835&loc=SL6953659-111524 + Details
Name: | us-gaap_FinancingReceivableCreditQualityIndicatorsTableTextBlock
Namespace Prefix: | us-gaap_
Data Type: | nonnum:textBlockItemType
Balance Type: | na
Period Type: | duration

X
- Definition Tabular disclosure of impaired financing receivables. + References Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef -Publisher FASB -Name Accounting Standards Codification -Topic 310 -SubTopic 10 -Section 50 -Paragraph 15 -URI http://asc.fasb.org/extlink&oid=121611835&loc=d3e5212-111524 + Details
Name: | us-gaap_ImpairedFinancingReceivablesTableTextBlock
Namespace Prefix: | us-gaap_
Data Type: | nonnum:textBlockItemType
Balance Type: | na
Period Type: | duration

X
- Definition Tabular disclosure of aging analysis for financing receivable. + References Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef -Publisher FASB -Name Accounting Standards Codification -Topic 326 -SubTopic 20 -Section 50 -Paragraph 14 -URI http://asc.fasb.org/extlink&oid=121599337&loc=SL82919253-210447 Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef -Publisher FASB -Name Accounting Standards Codification -Topic 310 -SubTopic 10 -Section 50 -Paragraph 7A -URI http://asc.fasb.org/extlink&oid=121611835&loc=SL6953401-111524 Reference 3: http://www.xbrl.org/2003/role/exampleRef -Publisher FASB -Name Accounting Standards Codification -Topic 326 -SubTopic 20 -Section 55 -Paragraph 80 -URI http://asc.fasb.org/extlink&oid=121647567&loc=SL82922355-210448 Reference 4: http://fasb.org/us-gaap/role/ref/legacyRef -Publisher FASB -Name Accounting Standards Codification -Topic 310 -SubTopic 10 -Section 50 -Paragraph 7 -URI http://asc.fasb.org/extlink&oid=121611835&loc=d3e5111-111524 + Details
Name: | us-gaap_PastDueFinancingReceivablesTableTextBlock
Namespace Prefix: | us-gaap_
Data Type: | nonnum:textBlockItemType
Balance Type: | na
Period Type: | duration

X
- References No definition available. + Details
Name: | us-gaap_ReceivablesAbstract
Namespace Prefix: | us-gaap_
Data Type: | xbrli:stringItemType
Balance Type: | na
Period Type: | duration

X
- Definition Tabular disclosure of the various types of trade accounts and notes receivable and for each the gross carrying value, allowance, and net carrying value as of the balance sheet date. Presentation is categorized by current, noncurrent and unclassified receivables. + References Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef -Publisher FASB -Name Accounting Standards Codification -Topic 210 -SubTopic 10 -Section S99 -Paragraph 1 -Subparagraph (SX 210.5-02.3,4) -URI http://asc.fasb.org/extlink&oid=120391452&loc=d3e13212-122682 + Details
Name: | us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTextBlock
Namespace Prefix: | us-gaap_
Data Type: | nonnum:textBlockItemType
Balance Type: | na
Period Type: | duration

X
- Definition Tabular disclosure of financing receivable on nonaccrual status. + References Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef -Publisher FASB -Name Accounting Standards Codification -Topic 310 -SubTopic 10 -Section 50 -Paragraph 7 -URI http://asc.fasb.org/extlink&oid=121611835&loc=d3e5111-111524 Reference 2: http://www.xbrl.org/2003/role/disclosureRef -Publisher FASB -Name Accounting Standards Codification -Topic 326 -SubTopic 20 -Section 50 -Paragraph 16 -URI http://asc.fasb.org/extlink&oid=121599337&loc=SL82919258-210447 + Details
Name: | us-gaap_ScheduleOfFinancingReceivablesNonAccrualStatusTableTextBlock
Namespace Prefix: | us-gaap_
Data Type: | nonnum:textBlockItemType
Balance Type: | na
Period Type: | duration