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Loans (Tables) | 9 Months Ended
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Sep. 30, 2022
Loans |
Schedule of Major Classifications Of Loans |
(Dollars in thousands) |  |  |  |  |  |
|  | September 30, 2022 |  |  | December 31, 2021 |
Real estate loans: |  |  |  |  |  |
Construction and land development |  | $ | 112,854 |  |  |  | 95,760 |
Single-family residential |  |  | 312,208 |  |  |  | 266,111 |
Single-family residential - |  |  |  |  |  |  |  |
Banco de la Gente non-traditional |  |  | 20,469 |  |  |  | 23,147 |
Commercial |  |  | 399,015 |  |  |  | 337,841 |
Multifamily and farmland |  |  | 62,040 |  |  |  | 58,366 |
Total real estate loans |  |  | 906,586 |  |  |  | 781,225 |
Loans not secured by real estate: |  |  |  |  |  |  |  |
Commercial loans |  |  | 76,434 |  |  |  | 91,172 |
Farm loans |  |  | 961 |  |  |  | 796 |
Consumer loans |  |  | 6,438 |  |  |  | 6,436 |
All other loans |  |  | 14,488 |  |  |  | 5,240 |
Total loans |  |  | 1,004,907 |  |  |  | 884,869 |
Less allowance for loan losses |  |  | (10,030 | ) |  |  | (9,355 | )
Total net loans |  | $ | 994,877 |  |  |  | 875,514 |
Age Analysis Of Past Due Loans, By Loan Type |
September 30, 2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
(Dollars in thousands) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
|  | Loans 30-89 Days Past Due |  |  | Loans 90 or More Days Past Due |  |  | Total Past Due Loans |  |  | Total Current Loans |  |  | Total Current Loans |  |  | Total Loans |  |  | Accruing Loans 90 or More Days Past Due |
Real estate loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Construction and land development |  | $ | 513 |  |  |  | - |  |  |  | 513 |  |  |  | 112,341 |  |  |  | - |  |  |  | 112,854 |  |  |  | - |
Single-family residential |  |  | 1,050 |  |  |  | 158 |  |  |  | 1,208 |  |  |  | 311,000 |  |  |  | - |  |  |  | 312,208 |  |  |  | - |
Single-family residential - |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Banco de la Gente non-traditional |  |  | 602 |  |  |  | 191 |  |  |  | 793 |  |  |  | 19,676 |  |  |  | - |  |  |  | 20,469 |  |  |  | - |
Commercial |  |  | 123 |  |  |  | - |  |  |  | 123 |  |  |  | 398,892 |  |  |  | - |  |  |  | 399,015 |  |  |  | - |
Multifamily and farmland |  |  | - |  |  |  | - |  |  |  | - |  |  |  | 62,040 |  |  |  | - |  |  |  | 62,040 |  |  |  | - |
Total real estate loans |  |  | 2,288 |  |  |  | 349 |  |  |  | 2,637 |  |  |  | 903,949 |  |  |  | - |  |  |  | 906,586 |  |  |  | - |
Loans not secured by real estate: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial loans |  |  | 1,237 |  |  |  | - |  |  |  | 1,237 |  |  |  | 75,197 |  |  |  | - |  |  |  | 76,434 |  |  |  | - |
Farm loans |  |  | - |  |  |  | - |  |  |  | - |  |  |  | 961 |  |  |  | - |  |  |  | 961 |  |  |  | - |
Consumer loans |  |  | 41 |  |  |  | 3 |  |  |  | 44 |  |  |  | 6,394 |  |  |  | - |  |  |  | 6,438 |  |  |  | - |
All other loans |  |  | - |  |  |  | - |  |  |  | - |  |  |  | 14,488 |  |  |  | - |  |  |  | 14,488 |  |  |  | - |
Total loans |  | $ | 3,566 |  |  |  | 352 |  |  |  | 3,918 |  |  |  | 1,000,989 |  |  |  | - |  |  |  | 1,004,907 |  |  |  | - |
December 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 |  | $ | - |  |  |  | - |  |  |  | - |  |  |  | 95,760 |  |  |  | 95,760 |  |  |  | - |
Single-family residential |  |  | 2,323 |  |  |  | 634 |  |  |  | 2,957 |  |  |  | 263,154 |  |  |  | 266,111 |  |  |  | - |
Single-family residential - |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Banco de la Gente non-traditional |  |  | 2,593 |  |  |  | 112 |  |  |  | 2,705 |  |  |  | 20,442 |  |  |  | 23,147 |  |  |  | - |
Commercial |  |  | 488 |  |  |  | - |  |  |  | 488 |  |  |  | 337,353 |  |  |  | 337,841 |  |  |  | - |
Multifamily and farmland |  |  | - |  |  |  | - |  |  |  | - |  |  |  | 58,366 |  |  |  | 58,366 |  |  |  | - |
Total real estate loans |  |  | 5,404 |  |  |  | 746 |  |  |  | 6,150 |  |  |  | 775,075 |  |  |  | 781,225 |  |  |  | - |
Loans not secured by real estate: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial loans |  |  | 43 |  |  |  | - |  |  |  | 43 |  |  |  | 91,129 |  |  |  | 91,172 |  |  |  | - |
Farm loans |  |  | - |  |  |  | - |  |  |  | - |  |  |  | 796 |  |  |  | 796 |  |  |  | - |
Consumer loans |  |  | 38 |  |  |  | - |  |  |  | 38 |  |  |  | 6,398 |  |  |  | 6,436 |  |  |  | - |
All other loans |  |  | - |  |  |  | - |  |  |  | - |  |  |  | 5,240 |  |  |  | 5,240 |  |  |  | - |
Total loans |  | $ | 5,485 |  |  |  | 746 |  |  |  | 6,231 |  |  |  | 878,638 |  |  |  | 884,869 |  |  |  | - |
Non-accrual Loans |
(Dollars in thousands) |  |  |  |  |  |
|  | September 30, 2022 |  |  | December 31, 2021 |
Real estate loans: |  |  |  |  |  |
Construction and land development |  | $ | - |  |  |  | - |
Single-family residential |  |  | 1,999 |  |  |  | 1,642 |
Single-family residential - |  |  |  |  |  |  |  |
Banco de la Gente non-traditional |  |  | 1,462 |  |  |  | 1,232 |
Commercial |  |  | 133 |  |  |  | 200 |
Multifamily and farmland |  |  | 96 |  |  |  | 105 |
Total real estate loans |  |  | 3,690 |  |  |  | 3,179 |
Loans not secured by real estate: |  |  |  |  |  |  |  |
Commercial loans |  |  | - |  |  |  | 49 |
Consumer loans |  |  | 18 |  |  |  | 2 |
Total |  | $ | 3,708 |  |  |  | 3,230 |
Impaired Loans |
September 30, 2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
(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 |  | $ | 59 |  |  |  | - |  |  |  | 59 |  |  |  | 59 |  |  |  | 1 |
Single-family residential |  |  | 3,929 |  |  |  | 240 |  |  |  | 3,381 |  |  |  | 3,621 |  |  |  | 62 |
Single-family residential - |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Banco de la Gente non-traditional |  |  | 10,557 |  |  |  | - |  |  |  | 9,890 |  |  |  | 9,890 |  |  |  | 619 |
Commercial |  |  | 1,996 |  |  |  | 426 |  |  |  | 1,502 |  |  |  | 1,928 |  |  |  | 9 |
Multifamily and farmland |  |  | 107 |  |  |  | - |  |  |  | 96 |  |  |  | 96 |  |  |  | - |
Total impaired real estate loans |  |  | 16,648 |  |  |  | 666 |  |  |  | 14,928 |  |  |  | 15,594 |  |  |  | 691 |
Loans not secured by real estate: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial loans |  |  | 130 |  |  |  | - |  |  |  | 130 |  |  |  | 130 |  |  |  | 1 |
Consumer loans |  |  | 21 |  |  |  | - |  |  |  | 20 |  |  |  | 20 |  |  |  | - |
Total impaired loans |  | $ | 16,799 |  |  |  | 666 |  |  |  | 15,078 |  |  |  | 15,744 |  |  |  | 692 |
December 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 |
Real estate loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Construction and land development |  | $ | 73 |  |  |  | - |  |  |  | 73 |  |  |  | 73 |  |  |  | 3 |
Single-family residential |  |  | 5,138 |  |  |  | 524 |  |  |  | 4,374 |  |  |  | 4,898 |  |  |  | 86 |
Single-family residential - |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Banco de la Gente non-traditional |  |  | 11,753 |  |  |  | - |  |  |  | 10,922 |  |  |  | 10,922 |  |  |  | 687 |
Commercial |  |  | 2,138 |  |  |  | 435 |  |  |  | 1,608 |  |  |  | 2,043 |  |  |  | 11 |
Multifamily and farmland |  |  | 113 |  |  |  | - |  |  |  | 105 |  |  |  | 105 |  |  |  | - |
Total impaired real estate loans |  |  | 19,215 |  |  |  | 959 |  |  |  | 17,082 |  |  |  | 18,041 |  |  |  | 787 |
Loans not secured by real estate: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial loans |  |  | 282 |  |  |  | 49 |  |  |  | 170 |  |  |  | 219 |  |  |  | 2 |
Consumer loans |  |  | 8 |  |  |  | - |  |  |  | 4 |  |  |  | 4 |  |  |  | - |
Total impaired loans |  | $ | 19,505 |  |  |  | 1,008 |  |  |  | 17,256 |  |  |  | 18,264 |  |  |  | 789 |
Summary of average impaired loans balance |
(Dollars in thousands) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
|  | Three months ended |  |  | Nine months ended |
|  | September 30, 2022 |  |  | September 30, 2021 |  |  | September 30, 2022 |  |  | September 30, 2021 |
|  | 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 |  | $ | 60 |  |  |  | 1 |  |  |  | 76 |  |  |  | 1 |  |  |  | 65 |  |  |  | 4 |  |  |  | 91 |  |  |  | 5 |
Single-family residential |  |  | 1,393 |  |  |  | 51 |  |  |  | 5,875 |  |  |  | 49 |  |  |  | 1,131 |  |  |  | 150 |  |  |  | 5,683 |  |  |  | 166 |
Single-family residential - |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Banco de la Gente stated income |  |  | 12,487 |  |  |  | 134 |  |  |  | 10,349 |  |  |  | 140 |  |  |  | 13,454 |  |  |  | 407 |  |  |  | 11,090 |  |  |  | 477 |
Commercial |  |  | 1,939 |  |  |  | 25 |  |  |  | 2,280 |  |  |  | 20 |  |  |  | 1,985 |  |  |  | 75 |  |  |  | 2,617 |  |  |  | 85 |
Multifamily and farmland |  |  | 97 |  |  |  | 1 |  |  |  | 110 |  |  |  | 2 |  |  |  | 100 |  |  |  | 4 |  |  |  | 113 |  |  |  | 4 |
Total impaired real estate loans |  |  | 15,976 |  |  |  | 212 |  |  |  | 18,690 |  |  |  | 212 |  |  |  | 16,735 |  |  |  | 640 |  |  |  | 19,594 |  |  |  | 737 |
Loans not secured by real estate: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial loans |  |  | 138 |  |  |  | 3 |  |  |  | 248 |  |  |  | 5 |  |  |  | 163 |  |  |  | 7 |  |  |  | 330 |  |  |  | 16 |
Farm loans (non RE) |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  |  |  |  |  | - |  |  |  | - |  |  |  | - |
Consumer loans |  |  | 21 |  |  |  | 1 |  |  |  | 9 |  |  |  | - |  |  |  | 14 |  |  |  | 2 |  |  |  | 19 |  |  |  | 1 |
Total impaired loans |  | $ | 16,135 |  |  |  | 216 |  |  |  | 18,947 |  |  |  | 217 |  |  |  | 16,912 |  |  |  | 649 |  |  |  | 19,943 |  |  |  | 754 |
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, 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 |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | (293 | ) |  |  | - |  |  |  | (249 | ) |  |  | - |  |  |  | (542 | )
Recoveries |  |  | 121 |  |  |  | 165 |  |  |  | - |  |  |  | 50 |  |  |  | 3 |  |  |  | 7 |  |  |  | - |  |  |  | 114 |  |  |  | - |  |  |  | 460 |
Provision |  |  | (421 | ) |  |  | (306 | ) |  |  | (162 | ) |  |  | 46 |  |  |  | 22 |  |  |  | (153 | ) |  |  | - |  |  |  | 98 |  |  |  | 13 |  |  |  | (863 | )
Ending balance |  | $ | 896 |  |  |  | 1,702 |  |  |  | 890 |  |  |  | 2,308 |  |  |  | 147 |  |  |  | 906 |  |  |  | - |  |  |  | 91 |  |  |  | 2,023 |  |  |  | 8,963 |
Three months ended September 30, 2021: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Allowance for loan losses: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Beginning balance |  | $ | 1,038 |  |  |  | 1,723 |  |  |  | 980 |  |  |  | 2,180 |  |  |  | 148 |  |  |  | 996 |  |  |  | - |  |  |  | 89 |  |  |  | 2,133 |  |  |  | 9,287 |
Charge-offs |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | (215 | ) |  |  | - |  |  |  | (91 | ) |  |  | - |  |  |  | (306 | )
Recoveries |  |  | 31 |  |  |  | 86 |  |  |  | - |  |  |  | 2 |  |  |  | 4 |  |  |  | 1 |  |  |  | - |  |  |  | 40 |  |  |  | - |  |  |  | 164 |
Provision |  |  | (173 | ) |  |  | (107 | ) |  |  | (90 | ) |  |  | 126 |  |  |  | (5 | ) |  |  | 124 |  |  |  | - |  |  |  | 53 |  |  |  | (110 | ) |  |  | (182 | )
Ending balance |  | $ | 896 |  |  |  | 1,702 |  |  |  | 890 |  |  |  | 2,308 |  |  |  | 147 |  |  |  | 906 |  |  |  | - |  |  |  | 91 |  |  |  | 2,023 |  |  |  | 8,963 |
Allowance for loan losses at September 30, 2021: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Ending balance: individually |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
evaluated for impairment |  | $ | 1 |  |  |  | 58 |  |  |  | 710 |  |  |  | 7 |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | 776 |
Ending balance: collectively |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
evaluated for impairment |  |  | 895 |  |  |  | 1,644 |  |  |  | 180 |  |  |  | 2,301 |  |  |  | 147 |  |  |  | 906 |  |  |  | - |  |  |  | 91 |  |  |  | 2,023 |  |  |  | 8,187 |
Ending balance |  | $ | 896 |  |  |  | 1,702 |  |  |  | 890 |  |  |  | 2,308 |  |  |  | 147 |  |  |  | 906 |  |  |  | - |  |  |  | 91 |  |  |  | 2,023 |  |  |  | 8,963 |
Loans at September 30, 2021: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Ending balance |  | $ | 80,009 |  |  |  | 258,403 |  |  |  | 24,043 |  |  |  | 363,174 |  |  |  | 58,856 |  |  |  | 94,376 |  |  |  | 633 |  |  |  | 11,511 |  |  |  | - |  |  |  | 891,005 |
Ending balance: individually |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
evaluated for impairment |  | $ | 6 |  |  |  | 1,398 |  |  |  | 10,236 |  |  |  | 1,450 |  |  |  | - |  |  |  | 54 |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | 13,144 |
Ending balance: collectively |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
evaluated for impairment |  | $ | 80,003 |  |  |  | 257,005 |  |  |  | 13,807 |  |  |  | 361,724 |  |  |  | 58,856 |  |  |  | 94,322 |  |  |  | 633 |  |  |  | 11,511 |  |  |  | - |  |  |  | 877,861 |
Credit Risk Profile Of Each Loan Type Based On Internally Assigned Risk Grade |
September 30, 2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
(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 |  | $ | - |  |  |  | 3,808 |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | 1,381 |  |  |  | - |  |  |  | 523 |  |  |  | - |  |  |  | 5,712 |
2- High Quality |  |  | 18,162 |  |  |  | 129,784 |  |  |  | - |  |  |  | 30,197 |  |  |  | 17 |  |  |  | 16,163 |  |  |  | - |  |  |  | 2,064 |  |  |  | 1,427 |  |  |  | 197,814 |
3- Good Quality |  |  | 93,266 |  |  |  | 163,179 |  |  |  | 7,777 |  |  |  | 334,206 |  |  |  | 59,539 |  |  |  | 56,973 |  |  |  | 961 |  |  |  | 3,600 |  |  |  | 12,782 |  |  |  | 732,283 |
4- Management Attention |  |  | 1,307 |  |  |  | 11,046 |  |  |  | 9,130 |  |  |  | 31,732 |  |  |  | 1,869 |  |  |  | 1,127 |  |  |  | - |  |  |  | 225 |  |  |  | 133 |  |  |  | 56,569 |
5- Watch |  |  | 60 |  |  |  | 915 |  |  |  | 1,150 |  |  |  | 2,321 |  |  |  | 519 |  |  |  | 786 |  |  |  | - |  |  |  | - |  |  |  | 146 |  |  |  | 5,897 |
6- Substandard |  |  | 59 |  |  |  | 3,476 |  |  |  | 2,412 |  |  |  | 559 |  |  |  | 96 |  |  |  | 4 |  |  |  | - |  |  |  | 26 |  |  |  | - |  |  |  | 6,632 |
7- Doubtful |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |
8- Loss |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |
Total |  | $ | 112,854 |  |  |  | 312,208 |  |  |  | 20,469 |  |  |  | 399,015 |  |  |  | 62,040 |  |  |  | 76,434 |  |  |  | 961 |  |  |  | 6,438 |  |  |  | 14,488 |  |  |  | 1,004,907 |
December 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 |  | $ | - |  |  |  | 5,923 |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | 371 |  |  |  | - |  |  |  | 581 |  |  |  | - |  |  |  | 6,875 |
2- High Quality |  |  | 11,752 |  |  |  | 109,337 |  |  |  | - |  |  |  | 28,546 |  |  |  | 19 |  |  |  | 16,177 |  |  |  | - |  |  |  | 2,039 |  |  |  | 1,309 |  |  |  | 169,179 |
3- Good Quality |  |  | 80,325 |  |  |  | 129,856 |  |  |  | 8,712 |  |  |  | 272,786 |  |  |  | 54,945 |  |  |  | 68,183 |  |  |  | 792 |  |  |  | 3,510 |  |  |  | 3,931 |  |  |  | 623,040 |
4- Management Attention |  |  | 3,534 |  |  |  | 14,964 |  |  |  | 10,478 |  |  |  | 30,937 |  |  |  | 2,754 |  |  |  | 5,214 |  |  |  | 4 |  |  |  | 284 |  |  |  | - |  |  |  | 68,169 |
5- Watch |  |  | 76 |  |  |  | 2,464 |  |  |  | 1,703 |  |  |  | 4,938 |  |  |  | 543 |  |  |  | 1,177 |  |  |  | - |  |  |  | 1 |  |  |  | - |  |  |  | 10,902 |
6- Substandard |  |  | 73 |  |  |  | 3,567 |  |  |  | 2,254 |  |  |  | 634 |  |  |  | 105 |  |  |  | 50 |  |  |  | - |  |  |  | 21 |  |  |  | - |  |  |  | 6,704 |
7- Doubtful |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |
8- Loss |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |
Total |  | $ | 95,760 |  |  |  | 266,111 |  |  |  | 23,147 |  |  |  | 337,841 |  |  |  | 58,366 |  |  |  | 91,172 |  |  |  | 796 |  |  |  | 6,436 |  |  |  | 5,240 |  |  |  | 884,869 |

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