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3. Loans (Tables) | 3 Months Ended
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Mar. 31, 2021
Receivables [Abstract] |
Major classifications of loans |
|  | March 31, 2021 |  | December 31, 2020
Real estate loans: |  |  |  |  |  |  |  |
Construction and land development |  | $ | 87,878 |  |  |  | 94,124 |
Single-family residential |  |  | 264,356 |  |  |  | 272,325 |
Single-family residential - |  |  |  |  |  |  |  |
Banco de la Gente non-traditional |  |  | 26,278 |  |  |  | 26,883 |
Commercial |  |  | 337,943 |  |  |  | 332,971 |
Multifamily and farmland |  |  | 57,914 |  |  |  | 48,880 |
Total real estate loans |  |  | 774,369 |  |  |  | 775,183 |
Loans not secured by real estate: |  |  |  |  |  |  |  |
Commercial loans |  |  | 160,892 |  |  |  | 161,740 |
Farm loans |  |  | 860 |  |  |  | 855 |
Consumer loans |  |  | 6,778 |  |  |  | 7,113 |
All other loans |  |  | 3,598 |  |  |  | 3,748 |
Total loans |  |  | 946,497 |  |  |  | 948,639 |
Less allowance for loan losses |  |  | 9,532 |  |  |  | 9,908 |
Total net loans |  | $ | 936,965 |  |  |  | 938,731 |
Age analysis of past due loans, by loan type | March 31, 2021 (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 |  | $ | 434 |  |  |  | — |  |  |  | 434 |  |  |  | 87,444 |  |  |  | 87,878 |  |  |  | — |
Single-family residential |  |  | 2,314 |  |  |  | 67 |  |  |  | 2,381 |  |  |  | 261,975 |  |  |  | 264,356 |  |  |  | — |
Single-family residential - |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Banco de la Gente non-traditional |  |  | 2,709 |  |  |  | 48 |  |  |  | 2,757 |  |  |  | 23,521 |  |  |  | 26,278 |  |  |  | — |
Commercial |  |  | 713 |  |  |  | — |  |  |  | 713 |  |  |  | 337,230 |  |  |  | 337,943 |  |  |  | — |
Multifamily and farmland |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 57,914 |  |  |  | 57,914 |  |  |  | — |
Total real estate loans |  |  | 6,170 |  |  |  | 115 |  |  |  | 6,285 |  |  |  | 768,084 |  |  |  | 774,369 |  |  |  | — |
Loans not secured by real estate: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial loans |  |  | 144 |  |  |  | — |  |  |  | 144 |  |  |  | 160,748 |  |  |  | 160,892 |  |  |  | — |
Farm loans |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 860 |  |  |  | 860 |  |  |  | — |
Consumer loans |  |  | 33 |  |  |  | 2 |  |  |  | 35 |  |  |  | 6,743 |  |  |  | 6,778 |  |  |  | — |
All other loans |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 3,598 |  |  |  | 3,598 |  |  |  | — |
Total loans |  | $ | 6,347 |  |  |  | 117 |  |  |  | 6,464 |  |  |  | 940,033 |  |  |  | 946,497 |  |  |  | — |
December 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 |  | $ | 298 |  |  |  | — |  |  |  | 298 |  |  |  | 93,826 |  |  |  | 94,124 |  |  |  | — |
Single-family residential |  |  | 3,660 |  |  |  | 270 |  |  |  | 3,930 |  |  |  | 268,395 |  |  |  | 272,325 |  |  |  | — |
Single-family residential - |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Banco de la Gente non-traditional |  |  | 3,566 |  |  |  | 105 |  |  |  | 3,671 |  |  |  | 23,212 |  |  |  | 26,883 |  |  |  | — |
Commercial |  |  | 36 |  |  |  | — |  |  |  | 36 |  |  |  | 332,935 |  |  |  | 332,971 |  |  |  | — |
Multifamily and farmland |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 48,880 |  |  |  | 48,880 |  |  |  | — |
Total real estate loans |  |  | 7,560 |  |  |  | 375 |  |  |  | 7,935 |  |  |  | 767,248 |  |  |  | 775,183 |  |  |  | — |
Loans not secured by real estate: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial loans |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 161,740 |  |  |  | 161,740 |  |  |  | — |
Farm loans |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 855 |  |  |  | 855 |  |  |  | — |
Consumer loans |  |  | 45 |  |  |  | 2 |  |  |  | 47 |  |  |  | 7,066 |  |  |  | 7,113 |  |  |  | — |
All other loans |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 3,748 |  |  |  | 3,748 |  |  |  | — |
Total loans |  | $ | 7,605 |  |  |  | 377 |  |  |  | 7,982 |  |  |  | 940,657 |  |  |  | 948,639 |  |  |  | — |
Non-accrual loans |
|  | March 31, 2021 |  | December 31, 2020
Real estate loans: |  |  |  |  |  |  |  |
Single-family residential |  | $ | 1,207 |  |  |  | 1,266 |
Single-family residential - |  |  |  |  |  |  |  |
Banco de la Gente non-traditional |  |  | 1,665 |  |  |  | 1,709 |
Commercial |  |  | 429 |  |  |  | 440 |
Multifamily and farmland |  |  | 115 |  |  |  | 117 |
Total real estate loans |  |  | 3,416 |  |  |  | 3,532 |
Loans not secured by real estate: |  |  |  |  |  |  |  |
Commercial loans |  |  | 141 |  |  |  | 212 |
Consumer loans |  |  | 9 |  |  |  | 14 |
Total |  | $ | 3,566 |  |  |  | 3,758 |
Impaired loans | March 31, 2021 (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 |  | $ | 104 |  |  |  | — |  |  |  | 104 |  |  |  | 104 |  |  |  | 4 |  |  |  | 106 |  |  |  | 2 |
Single-family residential |  |  | 4,837 |  |  |  | 278 |  |  |  | 4,248 |  |  |  | 4,526 |  |  |  | 30 |  |  |  | 5,490 |  |  |  | 60 |
Single-family residential - |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Banco de la Gente non-traditional |  |  | 13,162 |  |  |  | — |  |  |  | 12,575 |  |  |  | 12,575 |  |  |  | 843 |  |  |  | 11,832 |  |  |  | 177 |
Commercial |  |  | 2,966 |  |  |  | 1,071 |  |  |  | 1,865 |  |  |  | 2,936 |  |  |  | 14 |  |  |  | 2,955 |  |  |  | 36 |
Multifamily and farmland |  |  | 118 |  |  |  | — |  |  |  | 115 |  |  |  | 115 |  |  |  | — |  |  |  | 116 |  |  |  | 1 |
Total impaired real estate loans |  |  | 21,187 |  |  |  | 1,349 |  |  |  | 18,907 |  |  |  | 20,256 |  |  |  | 891 |  |  |  | 20,499 |  |  |  | 276 |
Loans not secured by real estate: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial loans |  |  | 430 |  |  |  | 141 |  |  |  | 231 |  |  |  | 372 |  |  |  | 4 |  |  |  | 413 |  |  |  | 6 |
Consumer loans |  |  | 24 |  |  |  | — |  |  |  | 19 |  |  |  | 19 |  |  |  | — |  |  |  | 28 |  |  |  | 1 |
Total impaired loans |  | $ | 21,641 |  |  |  | 1,490 |  |  |  | 19,157 |  |  |  | 20,647 |  |  |  | 895 |  |  |  | 20,940 |  |  |  | 283 |
The following table presents impaired loans as of and for the year ended December 31, 2020: December 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 |  | $ | 108 |  |  |  | — |  |  |  | 108 |  |  |  | 108 |  |  |  | 4 |  |  |  | 134 |  |  |  | 8 |
Single-family residential |  |  | 5,302 |  |  |  | 379 |  |  |  | 4,466 |  |  |  | 4,845 |  |  |  | 33 |  |  |  | 4,741 |  |  |  | 262 |
Single-family residential - |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Banco de la Gente non-traditional |  |  | 13,417 |  |  |  | — |  |  |  | 12,753 |  |  |  | 12,753 |  |  |  | 862 |  |  |  | 13,380 |  |  |  | 798 |
Commercial |  |  | 2,999 |  |  |  | 1,082 |  |  |  | 1,891 |  |  |  | 2,973 |  |  |  | 14 |  |  |  | 2,940 |  |  |  | 139 |
Multifamily and farmland |  |  | 119 |  |  |  | — |  |  |  | 117 |  |  |  | 117 |  |  |  | — |  |  |  | 29 |  |  |  | 6 |
Total impaired real estate loans |  |  | 21,945 |  |  |  | 1,461 |  |  |  | 19,335 |  |  |  | 20,796 |  |  |  | 913 |  |  |  | 21,224 |  |  |  | 1,213 |
Loans not secured by real estate: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial loans |  |  | 515 |  |  |  | 211 |  |  |  | 244 |  |  |  | 455 |  |  |  | 5 |  |  |  | 564 |  |  |  | 32 |
Consumer loans |  |  | 41 |  |  |  | — |  |  |  | 37 |  |  |  | 37 |  |  |  | 1 |  |  |  | 60 |  |  |  | 5 |
Total impaired loans |  | $ | 22,501 |  |  |  | 1,672 |  |  |  | 19,616 |  |  |  | 21,288 |  |  |  | 919 |  |  |  | 21,848 |  |  |  | 1,250 |
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 |
Three months ended March 31, 2021 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Allowance for loan losses: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Beginning balance |  | $ | 1,196 |  |  |  | 1,843 |  |  |  | 1,052 |  |  |  | 2,212 |  |  |  | 122 |  |  |  | 1,345 |  |  |  | — |  |  |  | 128 |  |  |  | 2,010 |  |  |  | 9,908 |
Charge-offs |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | (85 | ) |  |  | — |  |  |  | (85 | )
Recoveries |  |  | 50 |  |  |  | 60 |  |  |  | — |  |  |  | 12 |  |  |  | — |  |  |  | 3 |  |  |  | — |  |  |  | 39 |  |  |  | — |  |  |  | 164 |
Provision |  |  | (185 | ) |  |  | (53 | ) |  |  | (19 | ) |  |  | 28 |  |  |  | 23 |  |  |  | (104 | ) |  |  | — |  |  |  | 9 |  |  |  | (154 | ) |  |  | (455 | )
Ending balance |  | $ | 1,061 |  |  |  | 1,850 |  |  |  | 1,033 |  |  |  | 2,252 |  |  |  | 145 |  |  |  | 1,244 |  |  |  | — |  |  |  | 91 |  |  |  | 1,856 |  |  |  | 9,532 |
Allowance for loan losses March 31, 2021 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Ending balance: individually |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
evaluated for impairment |  | $ | 2 |  |  |  | 4 |  |  |  | 826 |  |  |  | 8 |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 840 |
Ending balance: collectively |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
evaluated for impairment |  |  | 1,059 |  |  |  | 1,846 |  |  |  | 207 |  |  |  | 2,244 |  |  |  | 145 |  |  |  | 1,244 |  |  |  | — |  |  |  | 91 |  |  |  | 1,856 |  |  |  | 8,692 |
Ending balance |  | $ | 1,061 |  |  |  | 1,850 |  |  |  | 1,033 |  |  |  | 2,252 |  |  |  | 145 |  |  |  | 1,244 |  |  |  | — |  |  |  | 91 |  |  |  | 1,856 |  |  |  | 9,532 |
Loans March 31, 2021: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Ending balance |  | $ | 87,878 |  |  |  | 264,356 |  |  |  | 26,278 |  |  |  | 337,943 |  |  |  | 57,914 |  |  |  | 160,892 |  |  |  | 860 |  |  |  | 10,376 |  |  |  | — |  |  |  | 946,497 |
Ending balance: individually |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
evaluated for impairment |  | $ | 7 |  |  |  | 1,444 |  |  |  | 11,193 |  |  |  | 2,098 |  |  |  | — |  |  |  | 141 |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 14,883 |
Ending balance: collectively |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
evaluated for impairment |  | $ | 87,871 |  |  |  | 262,912 |  |  |  | 15,085 |  |  |  | 335,845 |  |  |  | 57,914 |  |  |  | 160,751 |  |  |  | 860 |  |  |  | 10,376 |  |  |  | — |  |  |  | 931,614 |
(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 |
Credit risk profile of each loan type based on internally assigned risk grade | March 31, 2021 (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 |  | $ | — |  |  |  | 5,196 |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 436 |  |  |  | — |  |  |  | 701 |  |  |  | — |  |  |  | 6,333 |
2- High Quality |  |  | 10,147 |  |  |  | 113,727 |  |  |  | — |  |  |  | 39,402 |  |  |  | 20 |  |  |  | 16,955 |  |  |  | — |  |  |  | 2,150 |  |  |  | 1,486 |  |  |  | 183,887 |
3- Good Quality |  |  | 71,651 |  |  |  | 119,255 |  |  |  | 9,856 |  |  |  | 249,646 |  |  |  | 54,014 |  |  |  | 132,296 |  |  |  | 839 |  |  |  | 3,540 |  |  |  | 1,420 |  |  |  | 642,517 |
4- Management Attention |  |  | 3,413 |  |  |  | 19,477 |  |  |  | 11,998 |  |  |  | 37,337 |  |  |  | 3,196 |  |  |  | 8,761 |  |  |  | 21 |  |  |  | 345 |  |  |  | 692 |  |  |  | 85,240 |
5- Watch |  |  | 2,586 |  |  |  | 3,633 |  |  |  | 1,883 |  |  |  | 10,684 |  |  |  | 569 |  |  |  | 2,248 |  |  |  | — |  |  |  | 5 |  |  |  | — |  |  |  | 21,608 |
6- Substandard |  |  | 81 |  |  |  | 3,068 |  |  |  | 2,541 |  |  |  | 874 |  |  |  | 115 |  |  |  | 196 |  |  |  | — |  |  |  | 37 |  |  |  | — |  |  |  | 6,912 |
7- Doubtful |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
8- Loss |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Total |  | $ | 87,878 |  |  |  | 264,356 |  |  |  | 26,278 |  |  |  | 337,943 |  |  |  | 57,914 |  |  |  | 160,892 |  |  |  | 860 |  |  |  | 6,778 |  |  |  | 3,598 |  |  |  | 946,497 |
December 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 |  | $ | 228 |  |  |  | 9,867 |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 406 |  |  |  | — |  |  |  | 678 |  |  |  | — |  |  |  | 11,179 |
2- High Quality |  |  | 9,092 |  |  |  | 121,331 |  |  |  | — |  |  |  | 40,569 |  |  |  | 22 |  |  |  | 19,187 |  |  |  | — |  |  |  | 2,237 |  |  |  | 1,563 |  |  |  | 194,001 |
3- Good Quality |  |  | 76,897 |  |  |  | 115,109 |  |  |  | 10,170 |  |  |  | 241,273 |  |  |  | 44,890 |  |  |  | 128,727 |  |  |  | 832 |  |  |  | 3,826 |  |  |  | 1,477 |  |  |  | 623,201 |
4- Management Attention |  |  | 4,917 |  |  |  | 20,012 |  |  |  | 12,312 |  |  |  | 39,370 |  |  |  | 3,274 |  |  |  | 11,571 |  |  |  | 23 |  |  |  | 336 |  |  |  | 708 |  |  |  | 92,523 |
5- Watch |  |  | 2,906 |  |  |  | 2,947 |  |  |  | 1,901 |  |  |  | 10,871 |  |  |  | 694 |  |  |  | 1,583 |  |  |  | — |  |  |  | 6 |  |  |  | — |  |  |  | 20,908 |
6- Substandard |  |  | 84 |  |  |  | 3,059 |  |  |  | 2,500 |  |  |  | 888 |  |  |  | — |  |  |  | 266 |  |  |  | — |  |  |  | 30 |  |  |  | — |  |  |  | 6,827 |
7- Doubtful |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
8- Loss |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Total |  | $ | 94,124 |  |  |  | 272,325 |  |  |  | 26,883 |  |  |  | 332,971 |  |  |  | 48,880 |  |  |  | 161,740 |  |  |  | 855 |  |  |  | 7,113 |  |  |  | 3,748 |  |  |  | 948,639 |

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