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Loans (Tables) | 12 Months Ended
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Dec. 31, 2022
Loans |
Major classifications of loans |
(Dollars in thousands) |  |  |  |  |  |
|  | December 31, 2022 |  |  | December 31, 2021 |
Real estate loans: |  |  |  |  |  |
Construction and land development |  | $ | 114,446 |  |  |  | 95,760 |
Single-family residential |  |  | 322,262 |  |  |  | 266,111 |
Single-family residential - Banco de la Gente non-traditional |  |  | 20,019 |  |  |  | 23,147 |
Commercial |  |  | 406,750 |  |  |  | 337,841 |
Multifamily and farmland |  |  | 65,562 |  |  |  | 58,366 |
Total real estate loans |  |  | 929,039 |  |  |  | 781,225 |
Loans not secured by real estate: |  |  |  |  |  |  |  |
Commercial loans |  |  | 81,307 |  |  |  | 91,172 |
Farm loans |  |  | 938 |  |  |  | 796 |
Consumer loans |  |  | 6,834 |  |  |  | 6,436 |
All other loans |  |  | 14,490 |  |  |  | 5,240 |
Total loans |  |  | 1,032,608 |  |  |  | 884,869 |
Less allowance for loan losses |  |  | (10,494 | ) |  |  | (9,355 | )
Total net loans |  | $ | 1,022,114 |  |  |  | 875,514 |
Age analysis of past due loans, by loan type |
December 31, 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 Loans |  |  | Accruing Loans 90 or More Days Past Due |
Real estate loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Construction and land development |  | $ | 363 |  |  |  | - |  |  |  | 363 |  |  |  | 114,083 |  |  |  | 114,446 |  |  |  | - |
Single-family residential |  |  | 4,318 |  |  |  | 256 |  |  |  | 4,574 |  |  |  | 317,688 |  |  |  | 322,262 |  |  |  | - |
Single-family residential - Banco de la Gente non-traditional |  |  | 2,977 |  |  |  | 264 |  |  |  | 3,241 |  |  |  | 16,778 |  |  |  | 20,019 |  |  |  | - |
Commercial |  |  | 306 |  |  |  | - |  |  |  | 306 |  |  |  | 406,444 |  |  |  | 406,750 |  |  |  | - |
Multifamily and farmland |  |  | - |  |  |  | - |  |  |  | - |  |  |  | 65,562 |  |  |  | 65,562 |  |  |  | - |
Total real estate loans |  |  | 7,964 |  |  |  | 520 |  |  |  | 8,484 |  |  |  | 920,555 |  |  |  | 929,039 |  |  |  | - |
Loans not secured by real estate: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial loans |  |  | 3 |  |  |  | - |  |  |  | 3 |  |  |  | 81,304 |  |  |  | 81,307 |  |  |  | - |
Farm loans |  |  | - |  |  |  | - |  |  |  | - |  |  |  | 938 |  |  |  | 938 |  |  |  | - |
Consumer loans |  |  | 71 |  |  |  | - |  |  |  | 71 |  |  |  | 6,763 |  |  |  | 6,834 |  |  |  | - |
All other loans |  |  | - |  |  |  | - |  |  |  | - |  |  |  | 14,490 |  |  |  | 14,490 |  |  |  | - |
Total loans |  | $ | 8,038 |  |  |  | 520 |  |  |  | 8,558 |  |  |  | 1,024,050 |  |  |  | 1,032,608 |  |  |  | - |
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) |  |  |  |  |  |
|  | December 31, 2022 |  |  | December 31, 2021 |
Real estate loans: |  |  |  |  |  |
Construction and land development |  | $ | 53 |  |  |  | - |
Single-family residential |  |  | 1,914 |  |  |  | 1,642 |
Single-family residential - Banco de la Gente non-traditional |  |  | 1,532 |  |  |  | 1,232 |
Commercial |  |  | 129 |  |  |  | 200 |
Multifamily and farmland |  |  | 91 |  |  |  | 105 |
Total real estate loans |  |  | 3,719 |  |  |  | 3,179 |
Loans not secured by real estate: |  |  |  |  |  |  |  |
Commercial loans |  |  | - |  |  |  | 49 |
Consumer loans |  |  | 9 |  |  |  | 2 |
Total |  | $ | 3,728 |  |  |  | 3,230 |
Schedule Of Bank's impaired loans |
December 31, 2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
(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 |  | $ | 110 |  |  |  | - |  |  |  | 110 |  |  |  | 110 |  |  |  | 2 |  |  |  | 75 |  |  |  | 8 |
Single-family residential |  |  | 3,912 |  |  |  | 236 |  |  |  | 3,300 |  |  |  | 3,536 |  |  |  | 60 |  |  |  | 5,194 |  |  |  | 194 |
Single-family residential - Banco de la Gente non-traditional |  |  | 10,441 |  |  |  | - |  |  |  | 9,748 |  |  |  | 9,748 |  |  |  | 611 |  |  |  | 8,757 |  |  |  | 552 |
Commercial |  |  | 1,785 |  |  |  | 421 |  |  |  | 1,346 |  |  |  | 1,767 |  |  |  | 9 |  |  |  | 1,916 |  |  |  | 93 |
Multifamily and farmland |  |  | 104 |  |  |  | - |  |  |  | 91 |  |  |  | 91 |  |  |  | - |  |  |  | 96 |  |  |  | 5 |
Total impaired real estate loans |  |  | 16,352 |  |  |  | 657 |  |  |  | 14,595 |  |  |  | 15,252 |  |  |  | 682 |  |  |  | 16,038 |  |  |  | 852 |
Loans not secured by real estate: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial loans |  |  | 116 |  |  |  | - |  |  |  | 116 |  |  |  | 116 |  |  |  | 1 |  |  |  | 137 |  |  |  | 8 |
Consumer loans |  |  | 11 |  |  |  | - |  |  |  | 9 |  |  |  | 9 |  |  |  | - |  |  |  | 15 |  |  |  | 2 |
Total impaired loans |  | $ | 16,479 |  |  |  | 657 |  |  |  | 14,720 |  |  |  | 15,377 |  |  |  | 683 |  |  |  | 16,190 |  |  |  | 862 |
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 |  |  | Average Outstanding Impaired Loans |  |  | YTD Interest Income Recognized |
Real estate loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Construction and land development |  | $ | 73 |  |  |  | - |  |  |  | 73 |  |  |  | 73 |  |  |  | 3 |  |  |  | 82 |  |  |  | 6 |
Single-family residential |  |  | 5,138 |  |  |  | 524 |  |  |  | 4,374 |  |  |  | 4,898 |  |  |  | 86 |  |  |  | 6,017 |  |  |  | 253 |
Single-family residential - Banco de la Gente non-traditional |  |  | 11,753 |  |  |  | - |  |  |  | 10,922 |  |  |  | 10,922 |  |  |  | 687 |  |  |  | 10,325 |  |  |  | 609 |
Commercial |  |  | 2,138 |  |  |  | 435 |  |  |  | 1,608 |  |  |  | 2,043 |  |  |  | 11 |  |  |  | 2,385 |  |  |  | 109 |
Multifamily and farmland |  |  | 113 |  |  |  | - |  |  |  | 105 |  |  |  | 105 |  |  |  | - |  |  |  | 110 |  |  |  | 6 |
Total impaired real estate loans |  |  | 19,215 |  |  |  | 959 |  |  |  | 17,082 |  |  |  | 18,041 |  |  |  | 787 |  |  |  | 18,919 |  |  |  | 983 |
Loans not secured by real estate: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial loans |  |  | 282 |  |  |  | 49 |  |  |  | 170 |  |  |  | 219 |  |  |  | 2 |  |  |  | 271 |  |  |  | 19 |
Consumer loans |  |  | 8 |  |  |  | - |  |  |  | 4 |  |  |  | 4 |  |  |  | - |  |  |  | 11 |  |  |  | 1 |
Total impaired loans |  | $ | 19,505 |  |  |  | 1,008 |  |  |  | 17,256 |  |  |  | 18,264 |  |  |  | 789 |  |  |  | 19,201 |  |  |  | 1,003 |
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 |
Fair value measurements for mortgage loans held for sale, impaired loans and other real estate on a non-recurring basis |
(Dollars in thousands) |  |  |  |  |  |  |  |  |  |  |  |
|  | Fair Value Measurements December 31, 2022 |  |  | Level 1 Valuation |  |  | Level 2 Valuation |  |  | Level 3 Valuation |
Mortgage loans held for sale |  | $ | 211 |  |  |  | - |  |  |  | - |  |  |  | 211 |
Impaired loans |  | $ | 14,694 |  |  |  | - |  |  |  | - |  |  |  | 14,694 |
(Dollars in thousands) |  |  |  |  |  |  |  |  |  |  |  |
|  | Fair Value Measurements December 31, 2021 |  |  | Level 1 Valuation |  |  | Level 2 Valuation |  |  | Level 3 Valuation |
Mortgage loans held for sale |  | $ | 3,637 |  |  |  | - |  |  |  | - |  |  |  | 3,637 |
Impaired loans |  | $ | 17,475 |  |  |  | - |  |  |  | - |  |  |  | 17,475 |
|  | Fair Value December 31, 2022 |  |  | Fair Value December 31, 2021 |  |  | Valuation Technique |  |  | Significant Unobservable Inputs |  |  | General Range of Significant Unobservable Input Values |
Mortgage loans held for sale |  | $ | 211 |  |  | $ | 3,637 |  |  | Rate lock commitment |  |  | N/A |  |  | N/A |
Impaired loans |  | $ | 14,694 |  |  | $ | 17,475 |  |  | Appraised value and discounted cash flows |  |  | Discounts to reflect current market conditions and ultimate collectability |  |  | 0 - 25% |
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 |
Twelve months ended December 31, 2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Allowance for loan losses: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Beginning balance |  | $ | 1,193 |  |  |  | 2,013 |  |  |  | 864 |  |  |  | 2,234 |  |  |  | 150 |  |  |  | 711 |  |  |  | - |  |  |  | 110 |  |  |  | 2,080 |  |  |  | 9,355 |
Charge-offs |  |  | - |  |  |  | (128 | ) |  |  | - |  |  |  | - |  |  |  | - |  |  |  | (33 | ) |  |  | - |  |  |  | (591 | ) |  |  | - |  |  |  | (752 | )
Recoveries |  |  | - |  |  |  | 229 |  |  |  | - |  |  |  | 9 |  |  |  | - |  |  |  | 72 |  |  |  | - |  |  |  | 109 |  |  |  | - |  |  |  | 419 |
Provision |  |  | 222 |  |  |  | 208 |  |  |  | (101 | ) |  |  | 964 |  |  |  | 14 |  |  |  | (93 | ) |  |  | - |  |  |  | 586 |  |  |  | (328 | ) |  |  | 1,472 |
Ending balance |  | $ | 1,415 |  |  |  | 2,322 |  |  |  | 763 |  |  |  | 3,207 |  |  |  | 164 |  |  |  | 657 |  |  |  | - |  |  |  | 214 |  |  |  | 1,752 |  |  |  | 10,494 |
Allowance for loan losses December 31, 2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Ending balance: individually evaluated for impairment |  | $ | - |  |  |  | 36 |  |  |  | 597 |  |  |  | 6 |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | 639 |
Ending balance: collectively evaluated for impairment |  |  | 1,415 |  |  |  | 2,286 |  |  |  | 166 |  |  |  | 3,201 |  |  |  | 164 |  |  |  | 657 |  |  |  | - |  |  |  | 214 |  |  |  | 1,752 |  |  |  | 9,855 |
Ending balance |  | $ | 1,415 |  |  |  | 2,322 |  |  |  | 763 |  |  |  | 3,207 |  |  |  | 164 |  |  |  | 657 |  |  |  | - |  |  |  | 214 |  |  |  | 1,752 |  |  |  | 10,494 |
Loans at December 31, 2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Ending balance |  | $ | 114,446 |  |  |  | 322,262 |  |  |  | 20,019 |  |  |  | 406,750 |  |  |  | 65,562 |  |  |  | 81,307 |  |  |  | 938 |  |  |  | 21,324 |  |  |  | - |  |  |  | 1,032,608 |
Ending balance: individually evaluated for impairment |  | $ | - |  |  |  | 537 |  |  |  | 8,555 |  |  |  | 1,388 |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | 10,480 |
Ending balance: collectively evaluated for impairment |  | $ | 114,446 |  |  |  | 321,725 |  |  |  | 11,464 |  |  |  | 405,362 |  |  |  | 65,562 |  |  |  | 81,307 |  |  |  | 938 |  |  |  | 21,324 |  |  |  | - |  |  |  | 1,022,128 |
(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 |
Twelve months ended December 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 |  |  | - |  |  |  | (89 | ) |  |  | - |  |  |  | - |  |  |  | - |  |  |  | (293 | ) |  |  | - |  |  |  | (380 | ) |  |  | - |  |  |  | (762 | )
Recoveries |  |  | 121 |  |  |  | 271 |  |  |  | - |  |  |  | 52 |  |  |  | 3 |  |  |  | 786 |  |  |  | - |  |  |  | 139 |  |  |  | - |  |  |  | 1,372 |
Provision |  |  | (124 | ) |  |  | (12 | ) |  |  | (188 | ) |  |  | (30 | ) |  |  | 25 |  |  |  | (1,127 | ) |  |  | - |  |  |  | 223 |  |  |  | 70 |  |  |  | (1,163 | )
Ending balance |  | $ | 1,193 |  |  |  | 2,013 |  |  |  | 864 |  |  |  | 2,234 |  |  |  | 150 |  |  |  | 711 |  |  |  | - |  |  |  | 110 |  |  |  | 2,080 |  |  |  | 9,355 |
Allowance for loan losses December 31, 2021 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Ending balance: individually evaluated for impairment |  | $ | 1 |  |  |  | 57 |  |  |  | 672 |  |  |  | 7 |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | 737 |
Ending balance: collectively evaluated for impairment |  |  | 1,192 |  |  |  | 1,956 |  |  |  | 192 |  |  |  | 2,227 |  |  |  | 150 |  |  |  | 711 |  |  |  | - |  |  |  | 110 |  |  |  | 2,080 |  |  |  | 8,618 |
Ending balance |  | $ | 1,193 |  |  |  | 2,013 |  |  |  | 864 |  |  |  | 2,234 |  |  |  | 150 |  |  |  | 711 |  |  |  | - |  |  |  | 110 |  |  |  | 2,080 |  |  |  | 9,355 |
Loans at December 31, 2021 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Ending balance |  | $ | 95,760 |  |  |  | 266,111 |  |  |  | 23,147 |  |  |  | 337,841 |  |  |  | 58,366 |  |  |  | 91,172 |  |  |  | 796 |  |  |  | 11,676 |  |  |  | - |  |  |  | 884,869 |
Ending balance: individually evaluated for impairment |  | $ | 6 |  |  |  | 1,633 |  |  |  | 9,795 |  |  |  | 1,437 |  |  |  | - |  |  |  | 49 |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | 12,920 |
Ending balance: collectively evaluated for impairment |  | $ | 95,754 |  |  |  | 264,478 |  |  |  | 13,352 |  |  |  | 336,404 |  |  |  | 58,366 |  |  |  | 91,123 |  |  |  | 796 |  |  |  | 11,676 |  |  |  | - |  |  |  | 871,949 |
(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 |
Twelve months ended December 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 | ) |  |  | (65 | ) |  |  | - |  |  |  | (7 | ) |  |  | - |  |  |  | (903 | ) |  |  | - |  |  |  | (434 | ) |  |  | - |  |  |  | (1,414 | )
Recoveries |  |  | 36 |  |  |  | 70 |  |  |  | - |  |  |  | 70 |  |  |  | - |  |  |  | 34 |  |  |  | - |  |  |  | 173 |  |  |  | - |  |  |  | 383 |
Provision |  |  | 471 |  |  |  | 564 |  |  |  | (21 | ) |  |  | 844 |  |  |  | 2 |  |  |  | 1,526 |  |  |  | - |  |  |  | 251 |  |  |  | 622 |  |  |  | 4,259 |
Ending balance |  | $ | 1,196 |  |  |  | 1,843 |  |  |  | 1,052 |  |  |  | 2,212 |  |  |  | 122 |  |  |  | 1,345 |  |  |  | - |  |  |  | 128 |  |  |  | 2,010 |  |  |  | 9,908 |
Allowance for loan losses December 31, 2020 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Ending balance: individually evaluated for impairment |  | $ | 1 |  |  |  | 4 |  |  |  | 844 |  |  |  | 8 |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | 857 |
Ending balance: collectively evaluated for impairment |  |  | 1,195 |  |  |  | 1,839 |  |  |  | 208 |  |  |  | 2,204 |  |  |  | 122 |  |  |  | 1,345 |  |  |  | - |  |  |  | 128 |  |  |  | 2,010 |  |  |  | 9,051 |
Ending balance |  | $ | 1,196 |  |  |  | 1,843 |  |  |  | 1,052 |  |  |  | 2,212 |  |  |  | 122 |  |  |  | 1,345 |  |  |  | - |  |  |  | 128 |  |  |  | 2,010 |  |  |  | 9,908 |
Loans at December 31, 2020 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Ending balance |  | $ | 94,124 |  |  |  | 272,325 |  |  |  | 26,883 |  |  |  | 332,971 |  |  |  | 48,880 |  |  |  | 161,740 |  |  |  | 855 |  |  |  | 10,861 |  |  |  | - |  |  |  | 948,639 |
Ending balance: individually evaluated for impairment |  | $ | 7 |  |  |  | 1,558 |  |  |  | 11,353 |  |  |  | 2,118 |  |  |  | - |  |  |  | 212 |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | 15,248 |
Ending balance: collectively evaluated for impairment |  | $ | 94,117 |  |  |  | 270,767 |  |  |  | 15,530 |  |  |  | 330,853 |  |  |  | 48,880 |  |  |  | 161,528 |  |  |  | 855 |  |  |  | 10,861 |  |  |  | - |  |  |  | 933,391 |
Credit risk profile of each loan type based on internally assigned risk grade |
December 31, 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 |  | $ | - |  |  |  | 2,782 |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | 1,365 |  |  |  | - |  |  |  | 527 |  |  |  | - |  |  |  | 4,674 |
2- High Quality |  |  | 14,912 |  |  |  | 138,124 |  |  |  | - |  |  |  | 33,353 |  |  |  | 17 |  |  |  | 13,302 |  |  |  | - |  |  |  | 2,384 |  |  |  | 1,366 |  |  |  | 203,458 |
3- Good Quality |  |  | 94,113 |  |  |  | 166,329 |  |  |  | 7,442 |  |  |  | 340,926 |  |  |  | 63,270 |  |  |  | 64,422 |  |  |  | 938 |  |  |  | 3,663 |  |  |  | 12,851 |  |  |  | 753,954 |
4- Management Attention |  |  | 5,257 |  |  |  | 10,615 |  |  |  | 8,968 |  |  |  | 27,957 |  |  |  | 2,061 |  |  |  | 1,507 |  |  |  | - |  |  |  | 244 |  |  |  | 128 |  |  |  | 56,737 |
5- Watch |  |  | 54 |  |  |  | 922 |  |  |  | 1,136 |  |  |  | 3,963 |  |  |  | 123 |  |  |  | 711 |  |  |  | - |  |  |  | 1 |  |  |  | 145 |  |  |  | 7,055 |
6- Substandard |  |  | 110 |  |  |  | 3,490 |  |  |  | 2,473 |  |  |  | 551 |  |  |  | 91 |  |  |  | - |  |  |  | - |  |  |  | 15 |  |  |  | - |  |  |  | 6,730 |
7- Doubtful |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |
8- Loss |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |
Total |  | $ | 114,446 |  |  |  | 322,262 |  |  |  | 20,019 |  |  |  | 406,750 |  |  |  | 65,562 |  |  |  | 81,307 |  |  |  | 938 |  |  |  | 6,834 |  |  |  | 14,490 |  |  |  | 1,032,608 |
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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