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Loans and Allowance for Loan Losses (Tables)

9 Months Ended

Sep. 30, 2019

Allowance For Loan And Lease Losses Writeoffs Net [Abstract]

Schedule of Loan Portfolio

As of September 30, 2019 and December 31, 2018, the composition of the loan portfolio by reporting segment and portfolio segment was as follows:

		September 30, 2019
		Bank				ALC				Total
		(Dollars in Thousands)
Real estate loans:
Construction, land development and other land loans		$	27,348			$	—			$	27,348
Secured by 1-4 family residential properties			103,269				6,067				109,336
Secured by multi-family residential properties			46,843				—				46,843
Secured by non-farm, non-residential properties			164,941				—				164,941
Other			842				—				842
Commercial and industrial loans (1)			90,470				—				90,470
Consumer loans:
Consumer			8,136				29,341				37,477
Branch retail			—				30,008				30,008
Indirect sales			—				48,073				48,073
Total loans			441,849				113,489				555,338
Less: Unearned interest, fees and deferred cost			204				5,030				5,234
Allowance for loan losses			3,349				2,236				5,585
Net loans		$	438,296			$	106,223			$	544,519

		December 31, 2018
		Bank				ALC				Total
		(Dollars in Thousands)
Real estate loans:
Construction, land development and other land loans		$	41,340			$	—			$	41,340
Secured by 1-4 family residential properties			102,971				7,785				110,756
Secured by multi-family residential properties			23,009				—				23,009
Secured by non-farm, non-residential properties			156,162				—				156,162
Other			1,308				—				1,308
Commercial and industrial loans (1)			85,779				—				85,779
Consumer loans:
Consumer			6,927				31,656				38,583
Branch retail			—				28,324				28,324
Indirect sales			—				40,609				40,609
Total loans			417,496				108,374				525,870
Less: Unearned interest, fees and deferred cost			331				5,617				5,948
Allowance for loan losses			2,735				2,320				5,055
Net loans		$	414,430			$	100,437			$	514,867

(1) Includes equipment financing leases.

Summary of Acquired Loans

The carrying amount of PCI loans, which is included within loans on the balance sheet, is set forth in the table below as of September 30, 2019 and December 31, 2018:

		September 30, 2019				December 31, 2018
		(Dollars in Thousands)
Real estate loans:
Construction, land development and other land loans		$	—			$	75
Secured by 1-4 family residential properties			231				492
Outstanding balance			231				567
Fair value adjustment			(51	)			(70	)
Carrying amount, net of fair value adjustment		$	180			$	497

Allowance for Loan Losses

The following tables present changes in the allowance for loan losses during the nine months ended September 30, 2019 and the year ended December 31, 2018 and the related loan balances by loan portfolio segment and loan type as of September 30, 2019 and December 31, 2018:

		Bank
		Nine Months Ended September 30, 2019
		Construction, Land				1-4 Family				Real Estate Multi- Family				Non- Farm Non- Residential				Other				Commercial				Consumer				Branch Retail				Indirect Sales				Total
		(Dollars in Thousands)
Allowance for loan losses:
Beginning balance		$	240			$	322			$	128			$	831			$	1			$	1,138			$	75			$	—			$	—			$	2,735
Charge-offs			—				(47	)			—				—				—				—				(32	)			—				—				(79	)
Recoveries			—				22				—				—				—				3				33				—				—				58
Provision			(78	)			139				233				72				—				259				10				—				—				635
Ending balance		$	162			$	436			$	361			$	903			$	1			$	1,400			$	86			$	—			$	—			$	3,349
Ending balance of allowance attributable to    loans:
Individually evaluated for impairment		$	—			$	15			$	—			$	—			$	—			$	394			$	9			$	—			$	—			$	418
Collectively evaluated for impairment			162				421				361				903				1				1,006				77				—				—				2,931
Loans acquired with deteriorated credit quality			—				—				—				—				—				—				—				—				—				—
Total allowance for loan losses		$	162			$	436			$	361			$	903			$	1			$	1,400			$	86			$	—			$	—			$	3,349
Ending balance of loans receivable:
Individually evaluated for impairment		$	—			$	702			$	—			$	496			$	—			$	4,025			$	32			$	—			$	—			$	5,255
Collectively evaluated for impairment			27,348				102,387				46,843				164,445				842				86,445				8,104				—				—				436,414
Loans acquired with deteriorated credit quality			—				180				—				—				—				—				—				—				—				180
Total loans receivable		$	27,348			$	103,269			$	46,843			$	164,941			$	842			$	90,470			$	8,136			$	—			$	—			$	441,849

		ALC
		Nine Months Ended September 30, 2019
		Construction, Land				1-4 Family				Real Estate Multi- Family				Non- Farm Non- Residential				Other				Commercial				Consumer				Branch Retail				Indirect Sales				Total
		(Dollars in Thousands)
Allowance for loan losses:
Beginning balance		$	—			$	24			$	—			$	—			$	—			$	—			$	1,724			$	427			$	145			$	2,320
Charge-offs			—				(34	)			—				—				—				—				(1,501	)			(294	)			(194	)			(2,023	)
Recoveries			—				6				—				—				—				—				470				94				6				576
Provision			—				29				—				—				—				—				862				204				268				1,363
Ending balance		$	—			$	25			$	—			$	—			$	—			$	—			$	1,555			$	431			$	225			$	2,236
Ending balance of allowance attributable to    loans:
Individually evaluated for impairment		$	—			$	—			$	—			$	—			$	—			$	—			$	—			$	—			$	—			$	—
Collectively evaluated for impairment			—				25				—				—				—				—				1,555				431				225				2,236
Total allowance for loan losses		$	—			$	25			$	—			$	—			$	—			$	—			$	1,555			$	431			$	225			$	2,236
Ending balance of loans receivable:
Individually evaluated for impairment		$	—			$	137			$	—			$	—			$	—			$	—			$	—			$	—			$	—			$	137
Collectively evaluated for impairment			—				5,930				—				—				—				—				29,341				30,008				48,073				113,352
Total loans receivable		$	—			$	6,067			$	—			$	—			$	—			$	—			$	29,341			$	30,008			$	48,073			$	113,489

		Bank and ALC
		Nine Months Ended September 30, 2019
		Construction, Land				1-4 Family				Real Estate Multi- Family				Non- Farm Non- Residential				Other				Commercial				Consumer				Branch Retail				Indirect Sales				Total
		(Dollars in Thousands)
Allowance for loan losses:
Beginning balance		$	240			$	346			$	128			$	831			$	1			$	1,138			$	1,799			$	427			$	145			$	5,055
Charge-offs			—				(81	)			—				—				—				—				(1,533	)			(294	)			(194	)			(2,102	)
Recoveries			—				28				—				—				—				3				503				94				6				634
Provision			(78	)			168				233				72				—				259				872				204				268				1,998
Ending balance		$	162			$	461			$	361			$	903			$	1			$	1,400			$	1,641			$	431			$	225			$	5,585
Ending balance of allowance attributable to    loans:
Individually evaluated for impairment		$	—			$	15			$	—			$	—			$	—			$	394			$	9			$	—			$	—			$	418
Collectively evaluated for impairment			162				446				361				903				1				1,006				1,632				431				225				5,167
Loans acquired with deteriorated credit quality			—				—				—				—				—				—				—				—				—				—
Total allowance for loan losses		$	162			$	461			$	361			$	903			$	1			$	1,400			$	1,641			$	431			$	225			$	5,585
Ending balance of loans receivable:
Individually evaluated for impairment		$	—			$	839			$	—			$	496			$	—			$	4,025			$	32			$	—			$	—			$	5,392
Collectively evaluated for impairment			27,348				108,317				46,843				164,445				842				86,445				37,445				30,008				48,073				549,766
Loans acquired with deteriorated credit quality			—				180				—				—				—				—				—				—				—				180
Total loans receivable		$	27,348			$	109,336			$	46,843			$	164,941			$	842			$	90,470			$	37,477			$	30,008			$	48,073			$	555,338

		Bank
		Year Ended December 31, 2018
		Construction, Land				1-4 Family				Real Estate Multi- Family				Non- Farm Non- Residential				Other				Commercial				Consumer				Branch Retail				Indirect Sales				Total
		(Dollars in Thousands)
Allowance for loan losses:
Beginning balance		$	203			$	238			$	116			$	777			$	2			$	1,049			$	62			$	—			$	—			$	2,447
Charge-offs			—				(9	)			—				—				—				(3	)			(4	)			—				—				(16	)
Recoveries			—				51				—				4				—				11				23				—				—				89
Provision			37				42				12				50				(1	)			81				(6	)			—				—				215
Ending balance		$	240			$	322			$	128			$	831			$	1			$	1,138			$	75			$	—			$	—			$	2,735
Ending balance of allowance attributable to    loans:
Individually evaluated for impairment		$	28			$	50			$	—			$	1			$	—			$	67			$	20			$	—			$	—			$	166
Collectively evaluated for impairment			212				272				128				830				1				1,071				55				—				—				2,569
Loans acquired with deteriorated credit quality			—				—				—				—				—				—				—				—				—				—
Total allowance for loan losses		$	240			$	322			$	128			$	831			$	1			$	1,138			$	75			$	—			$	—			$	2,735
Ending balance of loans receivable:
Individually evaluated for impairment		$	153			$	57			$	—			$	511			$	—			$	67			$	43			$	—			$	—			$	831
Collectively evaluated for impairment			41,114				102,490				23,009				155,651				1,308				85,712				6,884				—				—				416,168
Loans acquired with deteriorated credit quality			73				424				—				—				—				—				—				—				—				497
Total loans receivable		$	41,340			$	102,971			$	23,009			$	156,162			$	1,308			$	85,779			$	6,927			$	—			$	—			$	417,496

		ALC
		Year Ended December 31, 2018
		Construction, Land				1-4 Family				Real Estate Multi- Family				Non- Farm Non- Residential				Other				Commercial				Consumer				Branch Retail				Indirect Sales				Total
		(Dollars in Thousands)
Allowance for loan losses:
Beginning balance		$	—			$	52			$	—			$	—			$	—			$	—			$	1,653			$	393			$	229			$	2,327
Charge-offs			—				(92	)			—				—				—				—				(2,478	)			(415	)			(116	)			(3,101	)
Recoveries			—				23				—				—				—				—				545				113				6				687
Provision			—				41				—				—				—				—				2,004				336				26				2,407
Ending balance		$	—			$	24			$	—			$	—			$	—			$	—			$	1,724			$	427			$	145			$	2,320
Ending balance of allowance attributable to    loans:
Individually evaluated for impairment		$	—			$	—			$	—			$	—			$	—			$	—			$	—			$	—			$	—			$	—
Collectively evaluated for impairment			—				24				—				—				—				—				1,724				427				145				2,320
Total allowance for loan losses		$	—			$	24			$	—			$	—			$	—			$	—			$	1,724			$	427			$	145			$	2,320
Ending balance of loans receivable:
Individually evaluated for impairment		$	—			$	211			$	—			$	—			$	—			$	—			$	—			$	—			$	—			$	211
Collectively evaluated for impairment			—				7,574				—				—				—				—				31,656				28,324				40,609				108,163
Total loans receivable		$	—			$	7,785			$	—			$	—			$	—			$	—			$	31,656			$	28,324			$	40,609			$	108,374

		Bank and ALC
		Year Ended December 31, 2018
		Construction, Land				1-4 Family				Real Estate Multi- Family				Non- Farm Non- Residential				Other				Commercial				Consumer				Branch Retail				Indirect Sales				Total
		(Dollars in Thousands)
Allowance for loan losses:
Beginning balance		$	203			$	290			$	116			$	777			$	2			$	1,049			$	1,715			$	393			$	229			$	4,774
Charge-offs			—				(101	)			—				—				—				(3	)			(2,482	)			(415	)			(116	)			(3,117	)
Recoveries			—				74				—				4				—				11				568				113				6				776
Provision			37				83				12				50				(1	)			81				1,998				336				26				2,622
Ending balance		$	240			$	346			$	128			$	831			$	1			$	1,138			$	1,799			$	427			$	145			$	5,055
Ending balance of allowance attributable to    loans:
Individually evaluated for impairment		$	28			$	50			$	—			$	1			$	—			$	67			$	20			$	—			$	—			$	166
Collectively evaluated for impairment			212				296				128				830				1				1,071				1,779				427				145				4,889
Loans acquired with deteriorated credit quality			—				—				—				—				—				—				—				—				—				—
Total allowance for loan losses		$	240			$	346			$	128			$	831			$	1			$	1,138			$	1,799			$	427			$	145			$	5,055
Ending balance of loans receivable:
Individually evaluated for impairment		$	153			$	268			$	—			$	511			$	—			$	67			$	43			$	—			$	—			$	1,042
Collectively evaluated for impairment			41,114				110,064				23,009				155,651				1,308				85,712				38,540				28,324				40,609				524,331
Loans acquired with deteriorated credit quality			73				424				—				—				—				—				—				—				—				497
Total loans receivable		$	41,340			$	110,756			$	23,009			$	156,162			$	1,308			$	85,779			$	38,583			$	28,324			$	40,609			$	525,870

Loans By Credit Quality Indicators

The tables below illustrate the carrying amount of loans by credit quality indicator as of September 30, 2019:

		Bank
		Pass 1-5				Special Mention 6				Substandard 7				Total
		(Dollars in Thousands)
Loans secured by real estate:
Construction, land development and other land loans		$	26,997			$	351			$	—			$	27,348
Secured by 1-4 family residential properties			101,001				137				2,131				103,269
Secured by multi-family residential properties			46,843				—				—				46,843
Secured by non-farm, non-residential properties			159,511				4,422				1,008				164,941
Other			842				—				—				842
Commercial and industrial loans			85,353				720				4,397				90,470
Consumer loans			8,096				—				40				8,136
Total		$	428,643			$	5,630			$	7,576			$	441,849

The above amounts include purchased credit impaired loans. As of September 30, 2019, $0.2 million of purchased credit impaired loans were rated “Substandard.”

		ALC
		Performing				Nonperforming				Total
		(Dollars in Thousands)
Loans secured by real estate:
Secured by 1-4 family residential properties		$	5,936			$	131			$	6,067
Consumer loans:
Consumer			28,908				433				29,341
Branch retail			29,858				150				30,008
Indirect sales			48,003				70				48,073
Total		$	112,705			$	784			$	113,489

The tables below illustrate the carrying amount of loans by credit quality indicator as of December 31, 2018:

		Bank
		Pass 1-5				Special Mention 6				Substandard 7				Total
		(Dollars in Thousands)
Loans secured by real estate:
Construction, land development and other land loans		$	40,200			$	914			$	226			$	41,340
Secured by 1-4 family residential properties			100,485				154				2,332				102,971
Secured by multi-family residential properties			23,009				—				—				23,009
Secured by non-farm, non-residential properties			153,077				1,996				1,089				156,162
Other			1,308				—				—				1,308
Commercial and industrial loans			83,261				1,977				541				85,779
Consumer loans			6,848				—				79				6,927
Total		$	408,188			$	5,041			$	4,267			$	417,496

The above amounts include purchased credit impaired loans. As of December 31, 2018, $0.5 million of purchased credit impaired loans were rated “Substandard.”

		ALC
		Performing				Nonperforming				Total
		(Dollars in Thousands)
Loans secured by real estate:
Secured by 1-4 family residential properties		$	7,657			$	128			$	7,785
Consumer loans:
Consumer			30,826				830				31,656
Branch retail			28,171				153				28,324
Indirect sales			40,491				118				40,609
Total		$	107,145			$	1,229			$	108,374

Aging Analysis of Past Due Loans

The following tables provide an aging analysis of past due loans by class as of September 30, 2019:

		Bank
		As of September 30, 2019
		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		$	349			$	—			$	—			$	349			$	26,999			$	27,348			$	—
Secured by 1-4 family residential    properties			1,949				212				—				2,161				101,108				103,269				—
Secured by multi-family residential    properties			—				—				—				—				46,843				46,843				—
Secured by non-farm, non-residential    properties			1,334				—				14				1,348				163,593				164,941				—
Other			—				—				—				—				842				842				—
Commercial and industrial loans			918				—				—				918				89,552				90,470				—
Consumer loans			16				—				1				17				8,119				8,136				—
Total		$	4,566			$	212			$	15			$	4,793			$	437,056			$	441,849			$	—

The above amounts include purchased credit impaired loans. As of September 30, 2019, $0.2 million of purchased credit impaired loans were 60-89 days past due.

		ALC
		As of September 30, 2019
		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			60				—				131				191				5,876				6,067				—
Secured by multi-family residential    properties			—				—				—				—				—				—				—
Secured by non-farm, non-residential    properties			—				—				—				—				—				—				—
Other			—				—				—				—				—				—				—
Commercial and industrial loans			—				—				—				—				—				—				—
Consumer loans:
Consumer			535				275				434				1,244				28,097				29,341				—
Branch retail			122				73				150				345				29,663				30,008				—
Indirect sales			194				75				70				339				47,734				48,073				—
Total		$	911			$	423			$	785			$	2,119			$	111,370			$	113,489			$	—

The following tables provide an aging analysis of past due loans by class as of December 31, 2018:

		Bank
		As of December 31, 2018
		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		$	415			$	582			$	74			$	1,071			$	40,269			$	41,340			$	—
Secured by 1-4 family residential    properties			991				36				539				1,566				101,405				102,971				—
Secured by multi-family residential    properties			—				—				—				—				23,009				23,009				—
Secured by non-farm, non-residential    properties			458				13				—				471				155,691				156,162				—
Other			—				—				—				—				1,308				1,308				—
Commercial and industrial loans			2,608				30				384				3,022				82,757				85,779				—
Consumer loans			80				—				4				84				6,843				6,927				—
Total		$	4,552			$	661			$	1,001			$	6,214			$	411,282			$	417,496			$	—

The above amounts include purchased credit impaired loans. As of December 31, 2018, $0.3 million of purchased credit impaired loans were 90 or more days past due.

		ALC
		As of December 31, 2018
		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			60				65				128				253				7,532				7,785				—
Secured by multi-family residential    properties			—				—				—				—				—				—				—
Secured by non-farm, non-residential    properties			—				—				—				—				—				—				—
Other			—				—				—				—				—				—				—
Commercial and industrial loans			—				—				—				—				—				—				—
Consumer loans:
Consumer			563				354				830				1,747				29,909				31,656				—
Branch retail			164				98				153				415				27,909				28,324
Indirect sales			184				79				118				381				40,228				40,609				—
Total		$	971			$	596			$	1,229			$	2,796			$	105,578			$	108,374			$	—

Non-accruing Loans

The following table provides an analysis of non-accruing loans by class as of September 30, 2019 and December 31, 2018:

		Loans on Non-Accrual Status
		September 30, 2019				December 31, 2018
		(Dollars in Thousands)
Loans secured by real estate:
Construction, land development and other land loans		$	—			$	73
Secured by 1-4 family residential properties			719				1,097
Secured by multi-family residential properties			—				—
Secured by non-farm, non-residential properties			23				14
Other			8				—
Commercial and industrial loans			30				424
Consumer loans:
Consumer			468				879
Branch retail			150				153
Indirect sales			70				119
Total loans		$	1,468			$	2,759

Impaired Loans

As of September 30, 2019, the carrying amount of impaired loans at the Bank and ALC consisted of the following:

		September 30, 2019
		Carrying Amount				Unpaid Principal Balance				Related Allowances
		(Dollars in Thousands)
Impaired loans with no related allowance recorded
Loans secured by real estate
Construction, land development and other land loans		$	—			$	—			$	—
Secured by 1-4 family residential properties			997				997				—
Secured by multi-family residential properties			—				—				—
Secured by non-farm, non-residential properties			496				496				—
Commercial and industrial			—				—				—
Consumer			—				—				—
Total loans with no related allowance recorded		$	1,493			$	1,493			$	—
Impaired loans with an allowance recorded
Loans secured by real estate
Construction, land development and other land loans		$	—			$	—			$	—
Secured by 1-4 family residential properties			22				22				15
Secured by multi-family residential properties			—				—				—
Secured by non-farm, non-residential properties			—				—				—
Commercial and industrial			4,025				4,025				394
Consumer			32				32				9
Total loans with an allowance recorded		$	4,079			$	4,079			$	418
Total impaired loans
Loans secured by real estate
Construction, land development and other land loans		$	—			$	—			$	—
Secured by 1-4 family residential properties			1,019				1,019				15
Secured by multi-family residential properties			—				—				—
Secured by non-farm, non-residential properties			496				496				—
Commercial and industrial			4,025				4,025				394
Consumer			32				32				9
Total impaired loans		$	5,572			$	5,572			$	418

The above amounts include purchased credit impaired loans. As of September 30, 2019, purchased credit impaired loans comprised $0.2 million of impaired loans without a related allowance recorded.

As of December 31, 2018, the carrying amount of impaired loans at the Bank and ALC consisted of the following:  

		December 31, 2018
		Carrying Amount				Unpaid Principal Balance				Related Allowances
		(Dollars in Thousands)
Impaired loans with no related allowance recorded
Loans secured by real estate
Construction, land development and other land loans		$	73			$	73			$	—
Secured by 1-4 family residential properties			635				635				—
Secured by multi-family residential properties			—				—				—
Secured by non-farm, non-residential properties			—				—				—
Commercial and industrial			—				—				—
Consumer			—				—				—
Total loans with no related allowance recorded		$	708			$	708			$	—
Impaired loans with an allowance recorded
Loans secured by real estate
Construction, land development and other land loans		$	153			$	153			$	28
Secured by 1-4 family residential properties			57				57				50
Secured by multi-family residential properties			—				—				—
Secured by non-farm, non-residential properties			511				511				1
Commercial and industrial			67				67				67
Consumer			43				43				20
Total loans with an allowance recorded		$	831			$	831			$	166
Total impaired loans
Loans secured by real estate
Construction, land development and other land loans		$	226			$	226			$	28
Secured by 1-4 family residential properties			692				692				50
Secured by multi-family residential properties			—				—				—
Secured by non-farm, non-residential properties			511				511				1
Commercial and industrial			67				67				67
Consumer			43				43				20
Total impaired loans		$	1,539			$	1,539			$	166

The average net investment in impaired loans and interest income recognized and received on impaired loans during the nine months ended September 30, 2019 and the year ended December 31, 2018 were as follows:

		Nine Months Ended September 30, 2019
		Average Recorded Investment				Interest Income Recognized				Interest Income Received
		(Dollars in Thousands)
Loans secured by real estate
Construction, land development and other land loans		$	181			$	—			$	—
Secured by 1-4 family residential properties			1,021				43				37
Secured by multi-family residential properties			—				—				—
Secured by non-farm, non-residential properties			645				22				21
Other			—				—				—
Commercial and industrial			991				5				5
Consumer			38				1				1
Total		$	2,876			$	71			$	64

		Year Ended December 31, 2018
		Average Recorded Investment				Interest Income Recognized				Interest Income Received
		(Dollars in Thousands)
Loans secured by real estate
Construction, land development and other land loans		$	70			$	8			$	8
Secured by 1-4 family residential properties			794				16				16
Secured by multi-family residential properties			—				—				—
Secured by non-farm, non-residential properties			523				34				35
Other			1				—				—
Commercial and industrial			57				4				5
Consumer			15				3				3
Total		$	1,460			$	65			$	67

Loans Modified in a Troubled Debt Restructuring

The following table provides, as of September 30, 2019 and December 31, 2018, the number of loans remaining in each loan category 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, 2019												December 31, 2018
		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			1			$	107			$	66				1			$	107			$	73
Secured by 1-4 family residential properties			3				318				30				3				318				118
Secured by non-farm, non-residential properties			—				—				—				1				53				34
Commercial loans			2				116				63				2				116				72
Total			6			$	541			$	159				7			$	594			$	297

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