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Loans and Allowance for Loan Losses (Tables)

12 Months Ended

Dec. 31, 2019

Allowance For Loan And Lease Losses Writeoffs Net [Abstract]

Schedule of Loan Portfolio

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

		December 31, 2019
		Bank				ALC				Total
		(Dollars in Thousands)
Real estate loans:
Construction, land development and other land loans		$	30,094			$	—			$	30,094
Secured by 1-4 family residential properties			98,971				5,566				104,537
Secured by multi-family residential properties			50,910				—				50,910
Secured by non-farm, non-residential properties			162,981				—				162,981
Other			726				—				726
Commercial and industrial loans (1)			90,957				—				90,957
Consumer loans:
Consumer			7,816				30,224				38,040
Branch retail			—				32,305				32,305
Indirect sales			—				45,503				45,503
Total loans			442,455				113,598				556,053
Less: Unearned interest, fees and deferred cost			262				4,786				5,048
Allowance for loan losses			3,483				2,279				5,762
Net loans		$	438,710			$	106,533			$	545,243

		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 December 31, 2019 and 2018:

		December 31, 2019				December 31, 2018
		(Dollars in Thousands)				(Dollars in Thousands)
Real estate loans:
Construction, land development and other land loans		$	—			$	75
Secured by 1-4 family residential properties			224				492
Outstanding balance		$	224			$	567
Fair value adjustment			(49	)			(70	)
Carrying amount, net of fair value adjustment		$	175			$	497

Allowance for Loan Losses

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

		Bank
		Year Ended December 31, 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			—				(63	)			—				—				—				—				(35	)			—				—				(98	)
Recoveries			—				22				—				—				—				3				33				—				—				58
Provision			(44	)			170				294				133				—				236				(1	)			—				—				788
Ending balance		$	196			$	451			$	422			$	964			$	1			$	1,377			$	72			$	—			$	—			$	3,483
Ending balance of allowance    attributable to loans:
Individually evaluated for    impairment		$	—			$	14			$	—			$	—			$	—			$	206			$	7			$	—			$	—			$	227
Collectively evaluated for    impairment			196				437				422				964				1				1,171				65				—				—				3,256
Loans acquired with deteriorated    credit quality			—				—				—				—				—				—				—				—				—				—
Total allowance for loan losses		$	196			$	451			$	422			$	964			$	1			$	1,377			$	72			$	—			$	—			$	3,483
Ending balance of loans    receivable:
Individually evaluated for    impairment		$	—			$	701			$	—			$	1,877			$	—			$	206			$	29			$	—			$	—			$	2,813
Collectively evaluated for    impairment			30,094				98,095				50,910				161,104				726				90,751				7,787				—				—				439,467
Loans acquired with deteriorated    credit quality			—				175				—				—				—				—				—				—				—				175
Total loans receivable		$	30,094			$	98,971			$	50,910			$	162,981			$	726			$	90,957			$	7,816			$	—			$	—			$	442,455

		ALC
		Year Ended December 31, 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			—				(38	)			—				—				—				—				(1,965	)			(425	)			(301	)			(2,729	)
Recoveries			—				25				—				—				—				—				615				116				6				762
Provision			—				4				—				—				—				—				1,179				277				466				1,926
Ending balance		$	—			$	15			$	—			$	—			$	—			$	—			$	1,553			$	395			$	316			$	2,279
Ending balance of allowance    attributable to loans:
Individually evaluated for    impairment		$	—			$	—			$	—			$	—			$	—			$	—			$	—			$	—			$	—			$	—
Collectively evaluated for    impairment			—				15				—				—				—				—				1,553				395				316				2,279
Total allowance for loan losses		$	—			$	15			$	—			$	—			$	—			$	—			$	1,553			$	395			$	316			$	2,279
Ending balance of loans    receivable:
Individually evaluated for    impairment		$	—			$	129			$	—			$	—			$	—			$	—			$	—			$	—			$	—			$	129
Collectively evaluated for    impairment			—				5,437				—				—				—				—				30,224				32,305				45,503				113,469
Total loans receivable		$	—			$	5,566			$	—			$	—			$	—			$	—			$	30,224			$	32,305			$	45,503			$	113,598

		Bank and ALC
		Year Ended December 31, 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			—				(101	)			—				—				—				—				(2,000	)			(425	)			(301	)			(2,827	)
Recoveries			—				47				—				—				—				3				648				116				6				820
Provision			(44	)			174				294				133				—				236				1,178				277				466				2,714
Ending balance		$	196			$	466			$	422			$	964			$	1			$	1,377			$	1,625			$	395			$	316			$	5,762
Ending balance of allowance    attributable to loans:
Individually evaluated for    impairment		$	—			$	14			$	—			$	—			$	—			$	206			$	7			$	—			$	—			$	227
Collectively evaluated for    impairment			196				452				422				964				1				1,171				1,618				395				316				5,535
Loans acquired with deteriorated    credit quality			—				—				—				—				—				—				—				—				—				—
Total allowance for loan losses		$	196			$	466			$	422			$	964			$	1			$	1,377			$	1,625			$	395			$	316			$	5,762
Ending balance of loans    receivable:
Individually evaluated for    impairment		$	—			$	830			$	—			$	1,877			$	—			$	206			$	29			$	—			$	—			$	2,942
Collectively evaluated for    impairment			30,094				103,532				50,910				161,104				726				90,751				38,011				32,305				45,503				552,936
Loans acquired with deteriorated    credit quality			—				175				—				—				—				—				—				—				—				175
Total loans receivable		$	30,094			$	104,537			$	50,910			$	162,981			$	726			$	90,957			$	38,040			$	32,305			$	45,503			$	556,053

		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 December 31, 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		$	29,740			$	354			$	—			$	30,094
Secured by 1-4 family residential properties			96,277				505				2,189				98,971
Secured by multi-family residential properties			50,910				—				—				50,910
Secured by non-farm, non-residential properties			157,718				2,961				2,302				162,981
Other			726				—				—				726
Commercial and industrial loans			88,463				714				1,780				90,957
Consumer loans			7,781				—				35				7,816
Total		$	431,615			$	4,534			$	6,306			$	442,455

The above amounts include purchased credit impaired loans. As of December 31, 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		$	5,394			$	172			$	5,566
Consumer loans:
Consumer			29,693				531				30,224
Branch retail			32,024				281				32,305
Indirect sales			45,503				—				45,503
Total		$	112,614			$	984			$	113,598

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 December 31, 2019:

		Bank
		As of December 31, 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		$	—			$	—			$	—			$	—			$	30,094			$	30,094			$	—
Secured by 1-4 family residential    properties			194				83				672				949				98,022				98,971				—
Secured by multi-family residential    properties			—				—				—				—				50,910				50,910				—
Secured by non-farm, non-residential    properties			30				—				1,419				1,449				161,532				162,981				—
Other			—				—				—				—				726				726				—
Commercial and industrial loans			56				—				—				56				90,901				90,957				—
Consumer loans			12				4				—				16				7,800				7,816				—
Total		$	292			$	87			$	2,091			$	2,470			$	439,985			$	442,455			$	—

The above amounts include purchased credit impaired loans. As of December 31, 2019, $0.2 million were 60-89 days past due.

		ALC
		As of December 31, 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			65				25				172				262				5,304				5,566				—
Secured by multi-family residential    properties			—				—				—				—				—				—				—
Secured by non-farm, non-residential    properties			—				—				—				—				—				—				—
Other			—				—				—				—				—				—				—
Commercial and industrial loans			—				—				—				—				—				—				—
Consumer loans:															—								—
Consumer			375				283				531				1,189				29,035				30,224				—
Branch retail			444				189				281				914				31,391				32,305
Indirect sales			132				—				—				132				45,371				45,503				—
Total		$	1,016			$	497			$	984			$	2,497			$	111,101			$	113,598			$	—

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 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 December 31, 2019 and 2018:

		Loans on Non- Accrual Status
		December 31, 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			1,423				1,097
Secured by multi-family residential    properties			—				—
Secured by non-farm, non-residential    properties			1,426				14
Other			8				—
Commercial and industrial loans			27				424
Consumer loans:
Consumer			558				879
Branch retail			281				153
Indirect sales			—				119
Total loans		$	3,723			$	2,759

Impaired Loans

As of December 31, 2019, the carrying amount of impaired loans at the Bank and ALC consisted of the following:

		December 31, 2019
		Carrying Amount				Unpaid Principal Balance				Related Allowances
Impaired loans with no related allowance recorded		(Dollars in Thousands)
Loans secured by real estate
Construction, land development and other land loans		$	—			$	—			$	—
Secured by 1-4 family residential properties			984				984				—
Secured by multi-family residential properties			—				—				—
Secured by non-farm, non-residential properties			1,877				1,877				—
Commercial and industrial			—				—				—
Consumer			—				—				—
Total loans with no related allowance recorded		$	2,861			$	2,861			$	—
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			21				21				14
Secured by multi-family residential properties			—				—				—
Secured by non-farm, non-residential properties			—				—				—
Commercial and industrial			206				206				206
Consumer			29				29				7
Total loans with an allowance recorded		$	256			$	256			$	227
Total impaired loans
Loans secured by real estate
Construction, land development and other land loans		$	—			$	—			$	—
Secured by 1-4 family residential properties			1,005				1,005				14
Secured by multi-family residential properties			—				—				—
Secured by non-farm, non-residential properties			1,877				1,877				—
Commercial and industrial			206				206				206
Consumer			29				29				7
Total impaired loans		$	3,117			$	3,117			$	227

The above amounts include purchased credit impaired loans. As of December 31, 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
Impaired loans with no related allowance recorded		(Dollars in Thousands)
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 years ended December 31, 2019 and 2018 was as follows:

		December 31, 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				48				48
Secured by multi-family residential properties			—				—				—
Secured by non-farm, non-residential properties			645				29				29
Other			—				—				—
Commercial and industrial			991				7				7
Consumer			38				2				2
Total		$	2,876			$	86			$	86

		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 December 31, 2019 and 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.

		December 31, 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			$	62				1			$	107			$	73
Secured by 1-4 family residential properties			2				59				14				3				318				118
Secured by non-farm, non-residential properties			—				—				—				1				53				34
Commercial loans			2				116				60				2				116				72
Total			5			$	282			$	136				7			$	594			$	297

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