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Loans and Allowance for Loan Losses (Tables)

9 Months Ended

Sep. 30, 2015

Receivables [Abstract]

Schedule of Loan Portfolio by Reporting Segment and Portfolio Segment

As of September 30, 2015 and December 31, 2014, the composition of the loan portfolio by reporting segment and portfolio segment was as follows:

		September 30, 2015
		FUSB				ALC				Total
		(Dollars in Thousands)
Real estate loans:
Construction, land development and other land loans		$	11,900			$	—			$	11,900
Secured by 1-4 family residential properties			32,049				17,993				50,042
Secured by multi-family residential properties			13,005				—				13,005
Secured by non-farm, non-residential properties			75,840				—				75,840
Other			116				—				116
Commercial and industrial loans			18,796				—				18,796
Consumer loans			6,848				74,767				81,615
Other loans			486				—				486
Total loans			159,040				92,760				251,800
Less: Unearned interest, fees and deferred cost			164				9,576				9,740
Allowance for loan losses			1,941				2,404				4,345
Net loans		$	156,935			$	80,780			$	237,715

		December 31, 2014
		FUSB				ALC				Total
		(Dollars in Thousands)
Real estate loans:
Construction, land development and other land loans		$	10,431			$	—			$	10,431
Secured by 1-4 family residential properties			30,795				21,309				52,104
Secured by multi-family residential properties			20,403				—				20,403
Secured by non-farm, non-residential properties			104,883				—				104,883
Other			58				—				58
Commercial and industrial loans			16,838				—				16,838
Consumer loans			7,188				61,833				69,021
Other loans			579				—				579
Total loans			191,175				83,142				274,317
Less: Unearned interest, fees and deferred cost			189				8,444				8,633
Allowance for loan losses			3,486				2,682				6,168
Net loans		$	187,500			$	72,016			$	259,516

Schedule of Changes in Allowance for Loan Losses and Recorded Investment in Loans

The following tables present changes in the allowance for loan losses by loan portfolio segment and loan type as of September 30, 2015 and December 31, 2014:

		FUSB
		Nine Months Ended September 30, 2015
		Commercial				Commercial Real Estate				Consumer				Residential Real Estate				Other				Total
		(Dollars in Thousands)
Allowance for loan losses:
Beginning balance		$	141			$	2,810			$	114			$	421			$	—			$	3,486
Charge-offs			—				(278	)			(16	)			(67	)			—				(361	)
Recoveries			49				12				53				72				—				186
Provision			(55	)			(975	)			(114	)			(241	)			15				(1,370	)
Ending balance			135				1,569				37				185				15				1,941
Ending balance individually evaluated for    impairment			89				729				—				—				—				818
Ending balance collectively evaluated for impairment		$	46			$	840			$	37			$	185			$	15			$	1,123
Loan receivables:
Ending balance			18,796				100,861				6,848				32,049				486				159,040
Ending balance individually evaluated for    impairment			453				5,831				—				—				—				6,284
Ending balance collectively evaluated for impairment		$	18,343			$	95,030			$	6,848			$	32,049			$	486			$	152,756

		ALC
		Nine Months Ended September 30, 2015
		Commercial				Commercial Real Estate				Consumer				Residential Real Estate				Other				Total
		(Dollars in Thousands)
Allowance for loan losses:
Beginning balance		$	—			$	—			$	2,336			$	346			$	—			$	2,682
Charge-offs			—				—				(1,846	)			(173	)			—				(2,019	)
Recoveries			—				—				553				17				—				570
Provision			—				—				1,100				71				—				1,171
Ending balance			—				—				2,143				261				—				2,404
Ending balance individually evaluated for    impairment			—				—				—				—				—				—
Ending balance collectively evaluated for impairment		$	—			$	—			$	2,143			$	261			$	—			$	2,404
Loan receivables:
Ending balance			—				—				74,767				17,993				—				92,760
Ending balance individually evaluated for    impairment			—				—				—				—				—				—
Ending balance collectively evaluated for impairment		$	—			$	—			$	74,767			$	17,993			$	—			$	92,760

		FUSB & ALC
		Nine Months Ended September 30, 2015
		Commercial				Commercial Real Estate				Consumer				Residential Real Estate				Other				Total
		(Dollars in Thousands)
Allowance for loan losses:
Beginning balance		$	141			$	2,810			$	2,450			$	767			$	—			$	6,168
Charge-offs			—				(278	)			(1,862	)			(240	)			—				(2,380	)
Recoveries			49				12				606				89				—				756
Provision			(55	)			(975	)			986				(170	)			15				(199	)
Ending balance			135				1,569				2,180				446				15				4,345
Ending balance individually evaluated for    impairment			89				729				—				—				—				818
Ending balance collectively evaluated for impairment		$	46			$	840			$	2,180			$	446			$	15			$	3,527
Loan receivables:
Ending balance			18,796				100,861				81,615				50,042				486				251,800
Ending balance individually evaluated for    impairment			453				5,831				—				—				—				6,284
Ending balance collectively evaluated for impairment		$	18,343			$	95,030			$	81,615			$	50,042			$	486			$	245,516

		FUSB
		Year Ended December 31, 2014
		Commercial				Commercial Real Estate				Consumer				Residential Real Estate				Other				Total
		(Dollars in Thousands)
Allowance for loan losses:
Beginning balance		$	592			$	4,852			$	180			$	635			$	13			$	6,272
Charge-offs			(289	)			(1,329	)			(147	)			(176	)			—				(1,941	)
Recoveries			307				587				129				51				1				1,075
Provision			(469	)			(1,300	)			(48	)			(89	)			(14	)			(1,920	)
Ending balance			141				2,810				114				421				—				3,486
Ending balance individually evaluated for    impairment			—				762				—				—				—				762
Ending balance collectively evaluated for impairment		$	141			$	2,048			$	114			$	421			$	—			$	2,724
Loan receivables:
Ending balance			16,838				135,775				7,188				30,795				579				191,175
Ending balance individually evaluated for    impairment			—				10,509				—				96				—				10,605
Ending balance collectively evaluated for impairment		$	16,838			$	125,266			$	7,188			$	30,699			$	579			$	180,570

		ALC
		Year Ended December 31, 2014
		Commercial				Commercial Real Estate				Consumer				Residential Real Estate				Other				Total
		(Dollars in Thousands)
Allowance for loan losses:
Beginning balance		$	—			$	—			$	2,667			$	457			$	—			$	3,124
Charge-offs			—				—				(2,778	)			(311	)			—				(3,089	)
Recoveries			—				—				772				29				—				801
Provision			—				—				1,675				171				—				1,846
Ending balance			—				—				2,336				346				—				2,682
Ending balance individually evaluated for    impairment			—				—				—				—				—				—
Ending balance collectively evaluated for impairment		$	—			$	—			$	2,336			$	346			$	—			$	2,682
Loan receivables:
Ending balance			—				—				61,833				21,309				—				83,142
Ending balance individually evaluated for    impairment			—				—				—				—				—				—
Ending balance collectively evaluated for impairment		$	—			$	—			$	61,833			$	21,309			$	—			$	83,142

		FUSB & ALC
		Year Ended December 31, 2014
		Commercial				Commercial Real Estate				Consumer				Residential Real Estate				Other				Total
		(Dollars in Thousands)
Allowance for loan losses:
Beginning balance		$	592			$	4,852			$	2,847			$	1,092			$	13			$	9,396
Charge-offs			(289	)			(1,329	)			(2,925	)			(487	)			—				(5,030	)
Recoveries			307				587				901				80				1				1,876
Provision			(469	)			(1,300	)			1,627				82				(14	)			(74	)
Ending balance			141				2,810				2,450				767				—				6,168
Ending balance individually evaluated for    impairment			—				762				—				—				—				762
Ending balance collectively evaluated for impairment		$	141			$	2,048			$	2,450			$	767			$	—			$	5,406
Loan receivables:
Ending balance			16,838				135,775				69,021				52,104				579				274,317
Ending balance individually evaluated for    impairment			—				10,509				—				96				—				10,605
Ending balance collectively evaluated for impairment		$	16,838			$	125,266			$	69,021			$	52,008			$	579			$	263,712

Schedule of Carrying Amount of Loans by Credit Quality Indicator

The tables below illustrate the carrying amount of loans by credit quality indicator as of September 30, 2015.

		FUSB
		Pass 1-5				Special Mention 6				Substandard 7				Doubtful 8				Total
		(Dollars in Thousands)
Loans secured by real estate:
Construction, land development and other land loans		$	9,932			$	—			$	1,968			$	—			$	11,900
Secured by 1-4 family residential properties			30,654				232				1,163				—				32,049
Secured by multi-family residential properties			11,294				—				1,711				—				13,005
Secured by non-farm, non-residential properties			69,458				3,370				3,012				—				75,840
Other			116				—				—				—				116
Commercial and industrial loans			17,230				824				742				—				18,796
Consumer loans			6,710				—				138				—				6,848
Other loans			486				—				—				—				486
Total		$	145,880			$	4,426			$	8,734			$	—			$	159,040

		ALC
		Performing				Nonperforming				Total
		(Dollars in Thousands)
Loans secured by real estate:
Secured by 1-4 family residential properties		$	17,654			$	339			$	17,993
Consumer loans			73,508				1,259				74,767
Total		$	91,162			$	1,598			$	92,760

The tables below illustrate the carrying amount of loans by credit quality indicator as of December 31, 2014.

		FUSB
		Pass 1-5				Special Mention 6				Substandard 7				Doubtful 8				Total
		(Dollars in Thousands)
Loans secured by real estate:
Construction, land development and other land loans		$	5,326			$	2,515			$	2,590			$	—			$	10,431
Secured by 1-4 family residential properties			27,956				638				2,201				—				30,795
Secured by multi-family residential properties			18,033				—				2,370				—				20,403
Secured by non-farm, non-residential properties			86,812				10,905				7,166				—				104,883
Other			58				—				—				—				58
Commercial and industrial loans			14,915				1,222				701				—				16,838
Consumer loans			6,744				105				339				—				7,188
Other loans			577				—				2				—				579
Total		$	160,421			$	15,385			$	15,369			$	—			$	191,175

		ALC
		Performing				Nonperforming				Total
		(Dollars in Thousands)
Loans secured by real estate:
Secured by 1-4 family residential properties		$	20,778			$	531			$	21,309
Consumer loans			60,459				1,374				61,833
Total		$	81,237			$	1,905			$	83,142

Schedule of Aging Analysis of Past Due Loans

The following tables provide an aging analysis of past due loans by class as of September 30, 2015.

		FUSB
		As of September 30, 2015
		30-59 Days Past Due				60-89 Days Past Due				90 Days Or Greater				Total Past Due				Current				Total Loans				Recorded Investment > 90 Days And Accruing
		(Dollars in Thousands)
Loans secured by real estate:
Construction, land development and other    land loans		$	—			$	—			$	86			$	86			$	11,814			$	11,900			$	—
Secured by 1-4 family residential properties			156				250				393				799				31,250				32,049				—
Secured by multi-family residential    properties			—				841				—				841				12,164				13,005				—
Secured by non-farm, non-residential    properties			524				—				768				1,292				74,548				75,840				—
Other			—				—				—				—				116				116				—
Commercial and industrial loans			52				—				—				52				18,744				18,796				—
Consumer loans			29				4				61				94				6,754				6,848				—
Other loans			—				—				—				—				486				486				—
Total		$	761			$	1,095			$	1,308			$	3,164			$	155,876			$	159,040			$	—

		ALC
		As of September 30, 2015
		30-59 Days Past Due				60-89 Days Past Due				90 Days Or Greater				Total Past Due				Current				Total Loans				Recorded Investment > 90 Days And Accruing
		(Dollars in Thousands)
Loans secured by real estate:
Construction, land development and other    land loans		$	—			$	—			$	—			$	—			$	—			$	—			$	—
Secured by 1-4 family residential properties			117				53				320				490				17,503				17,993				—
Secured by multi-family residential    properties			—				—				—				—				—				—				—
Secured by non-farm, non-residential    properties			—				—				—				—				—				—				—
Other			—				—				—				—				—				—				—
Commercial and industrial loans			—				—				—				—				—				—				—
Consumer loans			888				498				1,245				2,631				72,136				74,767				—
Other loans			—				—				—				—				—				—				—
Total		$	1,005			$	551			$	1,565			$	3,121			$	89,639			$	92,760			$	—

The following tables provide an aging analysis of past due loans by class as of December 31, 2014.

		FUSB
		As of December 31, 2014
		30-59 Days Past Due				60-89 Days Past Due				90 Days Or Greater				Total Past Due				Current				Total Loans				Recorded Investment > 90 Days And Accruing
		(Dollars in Thousands)
Loans secured by real estate:
Construction, land development and other    land loans		$	41			$	—			$	86			$	127			$	10,304			$	10,431			$	—
Secured by 1-4 family residential properties			200				20				852				1,072				29,723				30,795				—
Secured by multi-family residential    properties			—				—				—				—				20,403				20,403				—
Secured by non-farm, non-residential    properties			268				159				1,743				2,170				102,713				104,883				—
Other			—				—				—				—				58				58				—
Commercial and industrial loans			—				8				—				8				16,830				16,838				—
Consumer loans			12				3				24				39				7,149				7,188				—
Other loans			4				—				12				16				563				579				11
Total		$	525			$	190			$	2,717			$	3,432			$	187,743			$	191,175			$	11

		ALC
		As of December 31, 2014
		30-59 Days Past Due				60-89 Days Past Due				90 Days Or Greater				Total Past Due				Current				Total Loans				Recorded Investment > 90 Days And Accruing
		(Dollars in Thousands)
Loans secured by real estate:
Construction, land development and other    land loans		$	—			$	—			$	—			$	—			$	—			$	—			$	—
Secured by 1-4 family residential properties			182				147				501				830				20,479				21,309				401
Secured by multi-family residential    properties			—				—				—				—				—				—				—
Secured by non-farm, non-residential    properties			—				—				—				—				—				—				—
Other			—				—				—				—				—				—				—
Commercial and industrial loans			—				—				—				—				—				—				—
Consumer loans			671				558				1,346				2,575				59,258				61,833				1,335
Other loans			—				—				—				—				—				—				—
Total		$	853			$	705			$	1,847			$	3,405			$	79,737			$	83,142			$	1,736

Schedule of Analysis of Non-Accruing Loans

The following table provides an analysis of non-accruing loans by class as of September 30, 2015 and December 31, 2014.

		Loans on Non-Accrual Status
		September 30, 2015				December 31, 2014
		(Dollars in Thousands)
Loans secured by real estate:
Construction, land development and other land loans		$	340			$	956
Secured by 1-4 family residential properties			1,019				1,277
Secured by multi-family residential properties			583				—
Secured by non-farm, non-residential properties			843				2,314
Commercial and industrial loans			47				139
Consumer loans			1,390				140
Total loans		$	4,222			$	4,826

Schedule of Carrying Amount of Impaired Loans

As of September 30, 2015, the carrying amount of impaired loans consisted of the following:

		September 30, 2015
Impaired loans with no related allowance recorded		Carrying Amount				Unpaid Principal Balance				Related Allowances
		(Dollars in Thousands)
Loans secured by real estate
Construction, land development and other land loans		$	—			$	—			$	—
Secured by 1-4 family residential properties			96				96				—
Secured by multi-family residential properties			—				—				—
Secured by non-farm, non-residential properties			1,127				1,127				—
Commercial and industrial			—				—				—
Total loans with no related allowance recorded		$	1,223			$	1,223			$	—
Impaired loans with an allowance recorded
Loans secured by real estate
Construction, land development and other land loans		$	1,445			$	1,445			$	95
Secured by 1-4 family residential properties			—				—				—
Secured by multi-family residential properties			1,711				1,711				548
Secured by non-farm, non-residential properties			1,452				1,452				86
Commercial and industrial			453				453				89
Total loans with an allowance recorded		$	5,061			$	5,061			$	818
Total impaired loans
Loans secured by real estate
Construction, land development and other land loans		$	1,445			$	1,445			$	95
Secured by 1-4 family residential properties			96				96				—
Secured by multi-family residential properties			1,711				1,711				548
Secured by non-farm, non-residential properties			2,579				2,579				86
Commercial and industrial			453				453				89
Total impaired loans		$	6,284			$	6,284			$	818

As of December 31, 2014, the carrying amount of impaired loans consisted of the following:  

		December 31, 2014
Impaired loans with no related allowance recorded		Carrying Amount				Unpaid Principal Balance				Related Allowances
		(Dollars in Thousands)
Loans secured by real estate
Construction, land development and other land loans		$	1,445			$	1,445			$	—
Secured by 1-4 family residential properties			96				96				—
Secured by multi-family residential properties			755				1,146				—
Secured by non-farm, non-residential properties			6,091				6,091				—
Commercial and industrial			—				—				—
Total loans with no related allowance recorded		$	8,387			$	8,778			$	—
Impaired loans with an allowance recorded
Loans secured by real estate
Construction, land development and other land loans		$	603			$	603			$	71
Secured by 1-4 family residential properties			—				—				—
Secured by multi-family residential properties			1,615				1,615				691
Secured by non-farm, non-residential properties			—				—				—
Commercial and industrial			—				—				—
Total loans with an allowance recorded		$	2,218			$	2,218			$	762
Total impaired loans
Loans secured by real estate
Construction, land development and other land loans		$	2,048			$	2,048			$	71
Secured by 1-4 family residential properties			96				96				—
Secured by multi-family residential properties			2,370				2,761				691
Secured by non-farm, non-residential properties			6,091				6,091				—
Commercial and industrial			—				—				—
Total impaired loans		$	10,605			$	10,996			$	762

Schedule of Average Net Investment Impaired Loans and Interest Income Recognized and Received on Impaired Loans

The average net investment in impaired loans and interest income recognized and received on impaired loans during the nine months ended September 30, 2015 and the year ended December 31, 2014 were as follows:

		September 30, 2015
		Average Recorded Investment				Interest Income Recognized				Interest Income Received
		(Dollars in Thousands)
Loans secured by real estate
Construction, land development and other land loans		$	1,509			$	31			$	33
Secured by 1-4 family residential properties			96				—				—
Secured by multi-family residential properties			2,289				48				69
Secured by non-farm, non-residential properties			3,906				79				309
Commercial and industrial			203				18				18
Total		$	8,003			$	176			$	429

		December 31, 2014
		Average Recorded Investment				Interest Income Recognized				Interest Income Received
		(Dollars in Thousands)
Loans secured by real estate
Construction, land development and other land loans		$	2,769			$	46			$	46
Secured by 1-4 family residential properties			143				3				3
Secured by multi-family residential properties			3,565				178				170
Secured by non-farm, non-residential properties			8,186				324				320
Commercial and industrial			80				1				1
Total		$	14,743			$	552			$	540

Schedule of Number of Loans Modified Troubled Debt Restructuring by Loan Portfolio

The following table provides the number of loans remaining in each loan category as of September 30, 2015 and December 31, 2014 that the Bank had previously modified in a troubled debt restructuring, as well as the pre- and post-modification principal balance as of each date.

		September 30, 2015												December 31, 2014
		Number of Loans				Pre- Modification Outstanding Principal Balance				Post- Modification Principal Balance				Number of Loans				Pre- Modification Outstanding Principal Balance				Post- Modification Principal Balance
		(Dollars in Thousands)
Loans secured by real estate:
Construction, land development and other land    loans			3			$	2,220			$	1,699				4			$	3,282			$	2,365
Secured by 1-4 family residential properties			4				200				148				4				200				156
Secured by non-farm, non-residential properties			4				1,054				658				6				1,448				1,299
Commercial loans			2				116				95				4				159				109
Total			13			$	3,590			$	2,600				18			$	5,089			$	3,929

For those loans as of September 30, 2015 and December 31, 2014 that were previously modified in a troubled debt restructuring, the table below presents the number and recorded investment that defaulted subsequent to modification as a troubled debt restructuring.

		September 30, 2015								December 31, 2014
		Number of Loans				Recorded Investment				Number of Loans				Recorded Investment
		(Dollars in Thousands)
Construction, land development and other land loans			—			$	—				—			$	—
Secured by non-farm, non-residential properties			2				603				2				886
Total			2			$	603				2			$	886

X

- Definition

Tabular disclosure of financing receivables (examples of financing receivables include loans, trade accounts receivable and notes receivable) and activity in the allowance for credit losses account.

+ References

Reference 1: http://www.xbrl.org/2003/role/presentationRef



-Publisher FASB



-Name Accounting Standards Codification



-Topic 310



-SubTopic 10



-Section 50



-Paragraph 11B



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- 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/2003/role/presentationRef



-Publisher FASB



-Name Accounting Standards Codification



-Topic 310



-SubTopic 10



-Section 55



-Paragraph 19



-URI http://asc.fasb.org/extlink&oid=32702940&loc=SL6953803-111525



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-Topic 310



-SubTopic 10



-Section 50



-Paragraph 29



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- Definition

Tabular disclosure of impaired financing receivables.

+ References

Reference 1: http://www.xbrl.org/2003/role/presentationRef



-Publisher FASB



-Name Accounting Standards Codification



-Topic 310



-SubTopic 10



-Section 50



-Paragraph 15



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- Definition

Tabular disclosure of financing receivables that are past due but not impaired, financing receivables that are 90 days past due and still accruing, and financing receivables on nonaccrual status.

+ References

Reference 1: http://www.xbrl.org/2003/role/presentationRef



-Publisher FASB



-Name Accounting Standards Codification



-Topic 310



-SubTopic 10



-Section 50



-Paragraph 7



-URI http://asc.fasb.org/extlink&oid=49124121&loc=d3e5111-111524



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- References

No definition available.

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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://www.xbrl.org/2003/role/presentationRef



-Publisher FASB



-Name Accounting Standards Codification



-Topic 210



-SubTopic 10



-Section S99



-Paragraph 1



-Subparagraph (SX 210.5-02.3,4)



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Tabular disclosure of nonaccrual and past due financing receivables (such as loans and trade receivables), including: (a) the recorded investment in loans and trade receivables, if applicable, on nonaccrual status as of each balance sheet date (b) the recorded investment in loans and trade receivables, if applicable, past due 90 days or more and still accruing.

+ References

Reference 1: http://www.xbrl.org/2003/role/presentationRef



-Publisher FASB



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-Topic 310



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-Section 50



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- Definition

Tabular disclosure of financing receivables and troubled debt restructurings.

+ References

Reference 1: http://www.xbrl.org/2003/role/presentationRef



-Publisher FASB



-Name Accounting Standards Codification



-Topic 310



-SubTopic 10



-Section 50



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Average net investment impaired loans and interest income recognized and received on impaired loans.

+ References

No definition available.

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