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LOANS RECEIVABLE AND ALLOWANCE FOR LOAN LOSSES (Tables) | 3 Months Ended
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Mar. 31, 2021
LOANS RECEIVABLE AND ALLOWANCE FOR LOAN LOSSES |
Schedule of major categories of loans |
|  | March 31, |  | December 31, |
|  | 2021 |  | 2020 |
(dollars in thousands) |  | Amount |  | % |  | Amount |  | % |
Loans Secured by Real Estate |  |  |  |  |  |  |  |  |  |  |
Construction and land |  | $ | 3,174 |  | 1 |  | $ | 2,553 |  | 1 |
Farmland |  |  | 349 |  | — |  |  | 350 |  | — |
Single-family residential |  |  | 82,820 |  | 34 |  |  | 82,520 |  | 33 |
Multi-family |  |  | 6,069 |  | 2 |  |  | 6,105 |  | 2 |
Commercial |  |  | 55,723 |  | 23 |  |  | 57,027 |  | 23 |
Total loans secured by real estate |  |  | 148,135 |  |  |  |  | 148,555 |  |  |
Commercial and Industrial |  |  |  |  |  |  |  |  |  |  |
Commercial and industrial |  |  | 9,521 |  | 4 |  |  | 10,800 |  | 4 |
SBA guaranty |  |  | 7,192 |  | 3 |  |  | 7,200 |  | 3 |
Comm SBA PPP |  |  | 11,244 |  | 5 |  |  | 9,912 |  | 4 |
Total commercial and industrial loans |  |  | 27,957 |  |  |  |  | 27,912 |  |  |
Consumer Loans |  |  |  |  |  |  |  |  |  |  |
Consumer |  |  | 2,482 |  | 1 |  |  | 3,063 |  | 1 |
Automobile |  |  | 68,279 |  | 27 |  |  | 74,242 |  | 29 |
Total consumer loans |  |  | 70,761 |  |  |  |  | 77,305 |  |  |
Loans, net of deferred fees and costs |  |  | 246,853 |  | 100 |  |  | 253,772 |  | 100 |
Less: Allowance for loan losses |  | $ | (2,921) |  |  |  | $ | (1,476) |  |  |
Loans, net |  |  | 243,932 |  |  |  |  | 252,296 |  |  |
Schedule of total allowance by loan segment |
|  | Loans Secured By Real Estate |  | Commercial and Industrial Loans |  | Consumer Loans |  |  |
March 31, 2021 |  | Construction |  |  |  | Single-family |  |  |  |  |  | Commercial |  |  |  | Commercial |  |  |  |  |  |  |  |  |
(dollars in thousands) |  | and Land |  | Farmland |  | Residential |  | Multi-family |  | Commercial |  | and Industrial |  | SBA Guaranty |  | SBA PPP |  | Consumer |  | Automobile |  | Total
Balance, beginning of year |  | $ | 9 |  | $ | 2 |  | $ | 513 |  | $ | 39 |  | $ | 218 |  | $ | 67 |  | $ | 48 |  | $ | — |  | $ | 11 |  | $ | 569 |  | $ | 1,476
Impact of ASC 326 adoption |  |  | 16 |  |  | 9 |  |  | 854 |  |  | 63 |  |  | 199 |  |  | 120 |  |  | (6) |  |  | — |  |  | 46 |  |  | 273 |  |  | 1,574
Charge-offs |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | (81) |  |  | (81)
Recoveries |  |  | — |  |  | — |  |  | 275 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 81 |  |  | 356
Provision for loan losses |  |  | 7 |  |  | (1) |  |  | (272) |  |  | — |  |  | (8) |  |  | (19) |  |  | (1) |  |  | — |  |  | (11) |  |  | (99) |  |  | (404)
Balance, end of quarter |  | $ | 32 |  | $ | 10 |  | $ | 1,370 |  | $ | 102 |  | $ | 409 |  | $ | 168 |  | $ | 41 |  | $ | — |  | $ | 46 |  | $ | 743 |  | $ | 2,921
Individually evaluated for impairment: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Balance in allowance |  | $ | — |  | $ | — |  | $ | 11 |  | $ | — |  | $ | — |  | $ | — |  | $ | — |  | $ | — |  | $ | — |  | $ | — |  | $ | 11
Related loan balance |  |  | — |  |  | — |  |  | 38 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 38
Collectively evaluated for impairment: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Balance in allowance |  | $ | 32 |  | $ | 10 |  | $ | 1,359 |  | $ | 102 |  | $ | 409 |  | $ | 168 |  | $ | 41 |  | $ | — |  | $ | 46 |  | $ | 743 |  | $ | 2,910
Related loan balance |  |  | 3,174 |  |  | 349 |  |  | 82,782 |  |  | 6,069 |  |  | 55,723 |  |  | 9,521 |  |  | 7,192 |  |  | 11,244 |  |  | 2,482 |  |  | 68,279 |  |  | 246,815
|  | Loans Secured By Real Estate |  | Commercial and Industrial Loans |  | Consumer Loans |  |  |
December 31, 2020 |  | Construction |  |  |  | Single-family |  |  |  |  |  | Commercial |  |  |  | Commercial |  |  |  |  |  |  |  |  |
(dollars in thousands) |  | and Land |  | Farmland |  | Residential |  | Multi-family |  | Commercial |  | and Industrial |  | SBA Guaranty |  | SBA PPP |  | Consumer |  | Automobile |  | Total
Balance, beginning of year |  | $ | 24 |  | $ | 2 |  | $ | 849 |  | $ | 40 |  | $ | 241 |  | $ | 69 |  | $ | 25 |  | $ | — |  | $ | 11 |  | $ | 805 |  | $ | 2,066
Charge-offs |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | (392) |  |  | (392)
Recoveries |  |  | — |  |  | — |  |  | 266 |  |  | — |  |  | — |  |  | 20 |  |  | — |  |  | — |  |  | 6 |  |  | 199 |  |  | 491
Provision for loan losses |  |  | (15) |  |  | — |  |  | (602) |  |  | (1) |  |  | (23) |  |  | (22) |  |  | 23 |  |  | — |  |  | (6) |  |  | (43) |  |  | (689)
Balance, end of the year |  | $ | 9 |  | $ | 2 |  | $ | 513 |  | $ | 39 |  | $ | 218 |  | $ | 67 |  | $ | 48 |  | $ | — |  | $ | 11 |  | $ | 569 |  | $ | 1,476
Individually evaluated for impairment: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Balance in allowance |  | $ | — |  | $ | — |  | $ | — |  | $ | — |  | $ | — |  | $ | — |  | $ | — |  | $ | — |  | $ | 11 |  | $ | — |  | $ | 11
Related loan balance |  |  | — |  |  | — |  |  | 132 |  |  | — |  |  | — |  |  | 4,493 |  |  | — |  |  | — |  |  | 39 |  |  | — |  |  | 4,664
Collectively evaluated for impairment: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Balance in allowance |  | $ | 9 |  | $ | 2 |  | $ | 513 |  | $ | 39 |  | $ | 218 |  | $ | 67 |  | $ | 48 |  | $ | — |  | $ | — |  | $ | 569 |  | $ | 1,465
Related loan balance |  |  | 2,553 |  |  | 350 |  |  | 82,388 |  |  | 6,105 |  |  | 57,027 |  |  | 6,307 |  |  | 7,200 |  |  | 9,912 |  |  | 3,024 |  |  | 74,242 |  |  | 249,108
Schedule of allowances for credit losses |
|  | March 31, |  | March 31,
(dollars in thousands) |  | 2021 |  | 2020
Average loans |  | $ | 248,920 |  |  | $ | 281,335 |
Net charge offs to average loans (annualized) |  |  | (0.44) | % |  |  | 0.10 | %
Schedule of reserve for unfunded commitments |
|  | Three Months Ended
|  | Ended March 31,
(dollars in thousands) |  | 2021 |  | 2020
Beginning balance |  | $ | 33 |  | $ | 37
Impact of ASC 326 adoption |  |  | 457 |  |  | —
Reduction of unfunded reserve |  |  | (12) |  |  | —
Provisions charged to operations |  |  | — |  |  | 13
Ending balance |  | $ | 478 |  | $ | 50
Schedule of current, past due, and non-accrual loans by categories of loans and restructured loans |
At March 31, 2021 |  |  |  |  |  |  |  | 90 Days or |  |  |  |  |  |
(dollars in thousands) |  |  |  |  | 30-89 Days |  | More and |  |  |  |  |  |
|  | Current |  | Past Due |  | Still Accruing |  | Nonaccrual |  | Total
Loans Secured by Real Estate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Construction and land |  | $ | 3,174 |  | $ | — |  | $ | — |  | $ | — |  | $ | 3,174
Farmland |  |  | 349 |  |  | — |  |  | — |  |  | — |  |  | 349
Single-family residential |  |  | 82,616 |  |  | 51 |  |  | 16 |  |  | 137 |  |  | 82,820
Multi-family |  |  | 6,069 |  |  | — |  |  | — |  |  | — |  |  | 6,069
Commercial |  |  | 51,212 |  |  | 345 |  |  | — |  |  | 4,166 |  |  | 55,723
Total loans secured by real estate |  |  | 143,420 |  |  | 396 |  |  | 16 |  |  | 4,303 |  |  | 148,135
Commercial and Industrial |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial and industrial |  |  | 9,521 |  |  | — |  |  | — |  |  | — |  |  | 9,521
SBA guaranty |  |  | 7,192 |  |  | — |  |  | — |  |  | — |  |  | 7,192
Comm SBA PPP |  |  | 11,244 |  |  | — |  |  | — |  |  | — |  |  | 11,244
Total commercial and industrial loans |  |  | 27,957 |  |  | — |  |  | — |  |  | — |  |  | 27,957
Consumer Loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Consumer |  |  | 2,481 |  |  | 1 |  |  | — |  |  | — |  |  | 2,482
Automobile |  |  | 67,919 |  |  | 221 |  |  | — |  |  | 139 |  |  | 68,279
Total consumer loans |  |  | 70,400 |  |  | 222 |  |  | — |  |  | 139 |  |  | 70,761
|  | $ | 241,777 |  | $ | 618 |  | $ | 16 |  | $ | 4,442 |  | $ | 246,853
At December 31, 2020 |  |  |  |  |  |  |  | 90 Days or |  |  |  |  |  |
(dollars in thousands) |  |  |  |  | 30-89 Days |  | More and |  |  |  |  |  |
|  | Current |  | Past Due |  | Still Accruing |  | Nonaccrual |  | Total
Loans Secured by Real Estate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Construction and land |  | $ | 2,553 |  | $ | — |  | $ | — |  | $ | — |  | $ | 2,553
Farmland |  |  | 350 |  |  | — |  |  | — |  |  | — |  |  | 350
Single-family residential |  |  | 82,232 |  |  | — |  |  | 18 |  |  | 270 |  |  | 82,520
Multi-family |  |  | 6,105 |  |  | — |  |  | — |  |  | — |  |  | 6,105
Commercial |  |  | 52,245 |  |  | 753 |  |  | — |  |  | 4,029 |  |  | 57,027
Total loans secured by real estate |  |  | 143,485 |  |  | 753 |  |  | 18 |  |  | 4,299 |  |  | 148,555
Commercial and Industrial |  |  |  |  |  |  |  |  |  |  |  |  |  |  | —
Commercial and industrial |  |  | 10,800 |  |  | — |  |  | — |  |  | — |  |  | 10,800
SBA guaranty |  |  | 7,200 |  |  | — |  |  | — |  |  | — |  |  | 7,200
Comm SBA PPP |  |  | 9,912 |  |  | — |  |  | — |  |  | — |  |  | 9,912
Total commercial and industrial loans |  |  | 27,912 |  |  | — |  |  | — |  |  | — |  |  | 27,912
Consumer Loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  | —
Consumer |  |  | 3,028 |  |  | 1 |  |  | — |  |  | 34 |  |  | 3,063
Automobile |  |  | 73,551 |  |  | 512 |  |  | — |  |  | 179 |  |  | 74,242
Total consumer loans |  |  | 76,579 |  |  | 513 |  |  | — |  |  | 213 |  |  | 77,305
|  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0
|  | $ | 247,976 |  | $ | 1,266 |  | $ | 18 |  | $ | 4,512 |  | $ | 253,772
Schedule of impaired financing receivables |
March 31, 2021 |  |  |  |  | Unpaid |  | Interest |  |  |  |  | Average
(dollars in thousands) |  | Recorded |  | Principal |  | Income |  | Specific |  | Recorded
|  | Investment |  | Balance |  | Recognized |  | Reserve |  | Investment
Impaired loans with specific reserves: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Loans Secured by Real Estate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Construction and land |  | $ | — |  | $ | — |  | $ | — |  | $ | — |  | $ | —
Farmland |  |  | — |  |  | — |  |  | — |  |  | — |  |  | —
Single-family residential |  |  | 27 |  |  | 38 |  |  | 1 |  |  | 11 |  |  | 49
Multi-family |  |  | — |  |  | — |  |  | — |  |  | — |  |  | —
Commercial |  |  | — |  |  | — |  |  | — |  |  | — |  |  | —
Total loans secured by real estate |  |  | 27 |  |  | 38 |  |  | 1 |  |  | 11 |  |  | 49
Commercial and Industrial |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial and industrial |  |  | — |  |  | — |  |  | — |  |  | — |  |  | —
SBA guaranty |  |  | — |  |  | — |  |  | — |  |  | — |  |  | —
Total commercial and industrial loans |  |  | — |  |  | — |  |  | — |  |  | — |  |  | —
Consumer Loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Consumer |  |  | — |  |  | — |  |  | — |  |  | — |  |  | —
Automobile |  |  | — |  |  | — |  |  | — |  |  | — |  |  | —
Total consumer loans |  |  | — |  |  | — |  |  | — |  |  | — |  |  | —
Total impaired loans with specific reserves |  | $ | 27 |  | $ | 38 |  | $ | 1 |  | $ | 11 |  | $ | 49
Impaired loans with no specific reserve: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Loans Secured by Real Estate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Construction and land |  | $ | — |  | $ | — |  | $ | — |  | $ | n/a |  | $ | —
Farmland |  |  | — |  |  | — |  |  | — |  |  | n/a |  |  | —
Single-family residential |  |  | 99 |  |  | 99 |  |  | — |  |  | n/a |  |  | 100
Multi-family |  |  | — |  |  | — |  |  | — |  |  | n/a |  |  | —
Commercial |  |  | 4,166 |  |  | 4,166 |  |  | 286 |  |  | n/a |  |  | 4,777
Total loans secured by real estate |  |  | 4,265 |  |  | 4,265 |  |  | 286 |  |  | — |  |  | 4,877
Commercial and Industrial |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial and industrial |  |  | — |  |  | — |  |  | — |  |  | n/a |  |  | —
SBA guaranty |  |  | — |  |  | — |  |  | — |  |  | n/a |  |  | —
Total commercial and industrial loans |  |  | — |  |  | — |  |  | — |  |  | — |  |  | —
Consumer Loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Consumer |  |  | — |  |  | — |  |  | — |  |  | n/a |  |  | —
Automobile |  |  | 139 |  |  | 139 |  |  | 2 |  |  | n/a |  |  | 149
Total consumer loans |  |  | 139 |  |  | 139 |  |  | 2 |  |  | n/a |  |  | 149
Total impaired loans with no specific reserve |  | $ | 4,404 |  | $ | 4,404 |  | $ | 288 |  | $ | — |  | $ | 5,027
December 31, 2020 |  |  |  |  | Unpaid |  | Interest |  |  |  |  | Average
(dollars in thousands) |  | Recorded |  | Principal |  | Income |  | Specific |  | Recorded
|  | Investment |  | Balance |  | Recognized |  | Reserve |  | Investment
Impaired loans with specific reserves: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Loans Secured by Real Estate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Construction and land |  | $ | — |  | $ | — |  | $ | — |  | $ | — |  | $ | —
Farmland |  |  | — |  |  | — |  |  | — |  |  | — |  |  | —
Single-family residential |  |  | 28 |  |  | 39 |  |  | 2 |  |  | 11 |  |  | 50
Multi-family |  |  | — |  |  | — |  |  | — |  |  | — |  |  | —
Commercial |  |  | — |  |  | — |  |  | — |  |  | — |  |  | —
Total loans secured by real estate |  |  | 28 |  |  | 39 |  |  | 2 |  |  | 11 |  |  | 50
Commercial and Industrial |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial and industrial |  |  | — |  |  | — |  |  | — |  |  | — |  |  | —
SBA guaranty |  |  | — |  |  | — |  |  | — |  |  | — |  |  | —
Total commercial and industrial loans |  |  | — |  |  | — |  |  | — |  |  | — |  |  | —
Consumer Loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Consumer |  |  | — |  |  | — |  |  | — |  |  | — |  |  | —
Automobile |  |  | — |  |  | — |  |  | — |  |  | — |  |  | —
Total consumer loans |  |  | — |  |  | — |  |  | — |  |  | — |  |  | —
Total impaired loans with specific reserves |  | $ | 28 |  | $ | 39 |  | $ | 2 |  | $ | 11 |  | $ | 50
Impaired loans with no specific reserve: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Loans Secured by Real Estate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Construction and land |  | $ | — |  | $ | — |  | $ | — |  | $ | n/a |  | $ | —
Farmland |  |  | — |  |  | — |  |  | — |  |  | n/a |  |  | —
Single-family residential |  |  | 171 |  |  | 322 |  |  | — |  |  | n/a |  |  | 544
Multi-family |  |  | — |  |  | — |  |  | — |  |  | n/a |  |  | —
Commercial |  |  | 4,493 |  |  | 4,493 |  |  | 185 |  |  | n/a |  |  | 4,315
Total loans secured by real estate |  |  | 4,664 |  |  | 4,815 |  |  | 185 |  |  | — |  |  | 4,859
Commercial and Industrial |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial and industrial |  |  | — |  |  | — |  |  | — |  |  | n/a |  |  | —
SBA guaranty |  |  | — |  |  | — |  |  | — |  |  | n/a |  |  | —
Total commercial and industrial loans |  |  | — |  |  | — |  |  | — |  |  | — |  |  | —
Consumer Loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Consumer |  |  | 34 |  |  | 34 |  |  | 4 |  |  | n/a |  |  | 43
Automobile |  |  | 178 |  |  | 178 |  |  | 10 |  |  | n/a |  |  | 227
Total consumer loans |  |  | 212 |  |  | 212 |  |  | 14 |  |  | n/a |  |  | 270
Total impaired loans with no specific reserve |  | $ | 4,876 |  | $ | 5,027 |  | $ | 199 |  | $ | — |  | $ | 5,129
Schedule of allowance for loan loss and the unearned income on loans |
|  | March 31, |  | December 31,
(dollars in thousands) |  | 2021 |  | 2020
Troubled debt restructured loans |  | $ | 38 |  |  | $ | 39 |
Non-accrual and 90+ days past due and still accruing loans to average loans |  |  | 1.79 | % |  |  | 1.63 | %
Allowance for loan losses to nonaccrual & 90+ days past due and still accruing loans |  |  | 65.5 | % |  |  | 32.6 | %
Schedule of non accrual loans |
| Loans Secured By Real Estate |  | Consumer Loans |  |  |
| Single-family |  |  |  |  |  |  |  |  |  |  |  |  |
(dollars in thousands) | Residential |  | Multi-family |  | Commercial |  | Consumer |  | Automobile |  | Total
December 31, 2019 | $ | 790 |  | $ | 24 |  | $ | 3,139 |  | $ | 51 |  | $ | 123 |  | $ | 4,127
Transfers into nonaccrual |  | — |  |  | — |  |  | — |  |  | — |  |  | 177 |  |  | 177
Loans paid down/payoffs |  | (11) |  |  | (4) |  |  | (32) |  |  | (5) |  |  | (22) |  |  | (74)
Loans returned to accrual status |  | — |  |  | — |  |  | — |  |  | — |  |  | (17) |  |  | (17)
Loans charged off |  | — |  |  | — |  |  | — |  |  | — |  |  | (125) |  |  | (125)
March 31, 2020 | $ | 779 |  | $ | 20 |  | $ | 3,107 |  | $ | 46 |  | $ | 136 |  | $ | 4,088
December 31, 2020 | $ | 270 |  | $ | — |  | $ | 4,029 |  | $ | 34 |  | $ | 179 |  | $ | 4,512
Transfers into nonaccrual |  | — |  |  | — |  |  | 574 |  |  | — |  |  | 69 |  |  | 643
Loans paid down/payoffs |  | (133) |  |  | — |  |  | (437) |  |  | (1) |  |  | (27) |  |  | (598)
Loans returned to accrual status | $ | — |  | $ | — |  | $ | — |  | $ | (33) |  | $ | — |  | $ | (33)
Loans charged off |  | — |  |  | — |  |  | — |  |  | — |  |  | (82) |  |  | (82)
March 31, 2021 | $ | 137 |  | $ | — |  | $ | 4,166 |  | $ | — |  | $ | 139 |  | $ | 4,442
Schedule of risk ratings of loans by categories of loans | The following tables provides information with respect to the Company's credit quality indicators by loan portfolio segment at March 31, 2021 and December 31, 2020:
|  | Loans Secured By Real Estate |  | Commercial and Industrial Loans |  | Consumer Loans |  |  |
March 31, 2021 |  | Construction |  |  |  | Single-family |  |  |  |  |  | Commercial |  |  |  | Commercial |  |  |  |  |  |  |  |  |
(dollars in thousands) |  | and Land |  | Farmland |  | Residential |  | Multi-family |  | Commercial |  | and Industrial |  | SBA Guaranty |  | SBA PPP |  | Consumer |  | Automobile |  | Total
Pass |  | $ | 3,174 |  | $ | 349 |  | $ | 82,721 |  | $ | 6,069 |  | $ | 51,557 |  | $ | 9,521 |  | $ | 7,192 |  | $ | 11,244 |  | $ | 2,482 |  | $ | 68,140 |  | $ | 242,449
Special mention |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 559 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 559
Substandard |  |  | — |  |  | — |  |  | 99 |  |  | — |  |  | 3,607 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 88 |  |  | 3,794
Doubtful |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 51 |  |  | 51
Loss |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | —
|  | $ | 3,174 |  | $ | 349 |  | $ | 82,820 |  | $ | 6,069 |  | $ | 55,723 |  | $ | 9,521 |  | $ | 7,192 |  | $ | 11,244 |  | $ | 2,482 |  | $ | 68,279 |  | $ | 246,853
Nonaccrual |  | $ | — |  | $ | — |  | $ | 137 |  | $ | — |  | $ | 4,166 |  | $ | — |  | $ | — |  | $ | — |  | $ | — |  | $ | 139 |  | $ | 4,442
Troubled debt restructures |  | $ | — |  | $ | — |  | $ | 38 |  | $ | — |  | $ | — |  | $ | — |  | $ | — |  | $ | — |  | $ | — |  | $ | — |  | $ | 38
Number of TDRs accounts |  |  | — |  |  | — |  |  | 1 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 1
Non-performing TDRs |  | $ | — |  | $ | — |  | $ | 38 |  | $ | — |  | $ | — |  | $ | — |  | $ | — |  | $ | — |  | $ | — |  | $ | — |  | $ | —
Number of non-performing TDR accounts |  |  | — |  |  | — |  |  | 1 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 1
|  | Loans Secured By Real Estate |  | Commercial and Industrial Loans |  | Consumer Loans |  |  |
December 31, 2020 |  | Construction |  |  |  | Singlefamily |  |  |  |  |  | Commercial |  |  |  | Commercial |  |  |  |  |  |  |  |  |
(dollars in thousands) |  | and Land |  | Farmland |  | Residential |  | Multifamily |  | Commercial |  | and Industrial |  | SBA Guaranty |  | SBA PPP |  | Consumer |  | Automobile |  | Total
Pass |  | $ | 2,553 |  | $ | 350 |  | $ | 82,310 |  | $ | 6,105 |  | $ | 52,534 |  | $ | 10,800 |  | $ | 7,200 |  | $ | 9,912 |  | $ | 3,030 |  | $ | 74,064 |  | $ | 248,858
Special mention |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | —
Substandard |  |  | — |  |  | — |  |  | 210 |  |  | — |  |  | 4,493 |  |  | — |  |  | — |  |  | — |  |  | 33 |  |  | 62 |  |  | 4,798
Doubtful |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 116 |  |  | 116
Loss |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | —
|  | $ | 2,553 |  | $ | 350 |  | $ | 82,520 |  | $ | 6,105 |  | $ | 57,027 |  | $ | 10,800 |  | $ | 7,200 |  | $ | 9,912 |  | $ | 3,063 |  | $ | 74,242 |  | $ | 253,772
Nonaccrual |  | $ | — |  | $ | — |  | $ | 270 |  | $ | — |  | $ | 4,029 |  | $ | — |  | $ | — |  | $ | — |  | $ | 34 |  | $ | 179 |  | $ | 4,512
Troubled debt restructures |  | $ | — |  | $ | — |  | $ | 39 |  | $ | — |  | $ | — |  | $ | — |  | $ | — |  | $ | — |  | $ | — |  | $ | — |  | $ | 39
Number of TDRs accounts |  |  | — |  |  | — |  |  | 1 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 1
Non-performing TDRs |  | $ | — |  | $ | — |  | $ | 39 |  | $ | — |  | $ | — |  | $ | — |  | $ | — |  | $ | — |  | $ | 39 |  | $ | — |  | $ | 39
Number of non-performing TDR accounts |  |  | — |  |  | — |  |  | 1 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 1 |  |  | — |  |  | 1

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