6. LOANS (Tables)

3 Months Ended

Mar. 31, 2016

Loans and Leases Receivable Disclosure [Abstract]

Summary Of Loans Receivable Outstanding

(Dollars are in thousands)	March 31, 2016		December 31, 2015
Real estate secured:
Commercial	$	98,644	$	98,569
Construction and land development		17,977		14,672
Residential 1-4 family		246,321		242,916
Multifamily		13,430		12,954
Farmland		23,458		22,174
Total real estate loans		399,830		391,285
Commercial		22,106		21,469
Agriculture		3,958		3,793
Consumer installment loans		24,373		24,568
All other loans		42		54
Total loans	$	450,309	$	441,169

Summary Of Loans Receivable On Nonaccrual Status

(Dollars are in thousands)	March 31, 2016		December 31, 2015
Real estate secured:
Commercial	$	3,249	$	4,358
Construction and land development		723		436
Residential 1-4 family		7,720		8,338
Multifamily		341		430
Farmland		1,157		1,170
Total real estate loans		13,190		14,732
Commercial		75		65
Agriculture		206		9
Consumer installment loans		56		41
All other loans		—		—
Total loans receivable on nonaccrual status	$	13,527	$	14,847

Summary Of Impaired Loans

As of March 31, 2016 (Dollars are in thousands)	Average Recorded Investment		Interest Income Recognized			Recorded Investment		Unpaid Principal Balance		Related Allowance
With no related allowance recorded:
Real estate secured:
Commercial	$	4,479	$	35		$	4,745	$	5,442	$	—
Construction and land development		171		(1	)		331		376		—
Residential 1-4 family		3,599		51			4,161		4,475		—
Multifamily		269		2			108		149		—
Farmland		4,149		51			4,314		5,240		—
Commercial		—		—			—		—		—
Agriculture		36		1			36		36		—
Consumer installment loans		27		1			43		43		—
All other loans		—		—			—		—		—
With an allowance recorded:
Real estate secured:
Commercial		1,768		—			1,033		1,104		150
Construction and land development		283		—			277		492		143
Residential 1-4 family		1,271		5			622		656		79
Multifamily		117		2			233		235		41
Farmland		640		6			518		525		310
Commercial		74		1			78		78		33
Agriculture		117		(2	)		215		215		114
Consumer installment loans		28		—			11		11		3
All other loans		—		—			—		—		—
Total	$	17,028	$	152		$	16,725	$	19,077	$	873
As of December 31, 2015 (Dollars are in thousands)		Average Recorded Investment		Interest Income Recognized			Recorded Investment		Unpaid Principal Balance		Related Allowance
With no related allowance recorded:
Real estate secured:
Commercial	$	4,534	$	163		$	4,212	$	5,173	$	—
Construction and land development		12		1			10		10		—
Residential 1-4 family		3,506		161			3,037		3,150		—
Multifamily		520		9			430		471		—
Farmland		5,073		213			3,983		4,620		—
Commercial		267		—			—		—		—
Agriculture		42		4			36		36		—
Consumer installment loans		31		1			11		11		—
All other loans		—		—			—		—		—
With an allowance recorded:
Real estate secured:
Commercial		2,935		37			2,503		2,849		288
Construction and land development		373		—			289		499		155
Residential 1-4 family		2,219		99			1,920		2,121		168
Multifamily		23		—			—		—		—
Farmland		906		38			761		778		328
Commercial		80		3			69		69		24
Agriculture		24		2			18		18		18
Consumer installment loans		19		4			45		45		2
All other loans		—		—			—		—		—
Total	$	20,564	$	735		$	17,324	$	19,850	$	983

Summary Of Age Analysis Of Past Due Loans Receivable

As of March 31, 2016 (Dollars are in thousands)	Loans 30-59 Days Past Due		Loans 60-89 Days Past Due		Loans 90 or More Days Past Due		Total Past Due Loans		Current Loans		Total Loans		Accruing Loans 90 or More Days Past Due
Real estate secured:
Commercial	$	1,094	$	260	$	1,321	$	2,675	$	95,969	$	98,644	$	—
Construction and land development		89		322		—		411		17,566		17,977		—
Residential 1-4 family		6,440		1,168		1,564		9,172		237,149		246,321		—
Multifamily		502		—		233		735		12,695		13,430		—
Farmland		292		—		522		814		22,644		23,458		—
Total real estate loans		8,417		1,750		3,640		13,807		386,023		399,830		—
Commercial		—		17		75		92		22,014		22,106		—
Agriculture		870		—		—		870		3,088		3,958		—
Consumer installment Loans		74		21		21		116		24,257		24,373		—
All other loans		4		—		—		4		38		42		—
Total loans	$	9,365	$	1,788	$	3,736	$	14,889	$	435,420	$	450,309	$	—

As of December 31, 2015 (Dollars are in thousands)	Loans 30-59 Days Past Due		Loans 60-89 Days Past Due		Loans 90 or More Days Past Due		Total Past Due Loans		Current Loans		Total Loans		Accruing Loans 90 or More Days Past Due
Real estate secured:
Commercial	$	311	$	105	$	2,534	$	2,950	$	95,619	$	98,569	$	—
Construction and land development		144		—		17		161		14,511		14,672		—
Residential 1-4 family		4,694		1,487		2,891		9,072		233,844		242,916		—
Multifamily		47		—		320		367		12,587		12,954		—
Farmland		363		—		251		614		21,560		22,174		—
Total real estate loans		5,559		1,592		6,013		13,164		378,121		391,285		—
Commercial		18		1		64		83		21,386		21,469		—
Agriculture		—		—		—		—		3,793		3,793		—
Consumer installment Loans		113		1		27		141		24,427		24,568		—
All other loans		6		—		—		6		48		54		—
Total loans	$	5,696	$	1,594	$	6,104	$	13,394	$	427,775	$	441,169	$	—

Summary Of Risk Category Of Loans Receivable

As of March 31, 2016 (Dollars are in thousands)	Pass		Special Mention		Substandard		Doubtful		Total
Real estate secured:
Commercial	$	85,360	$	8,448	$	4,836	$	—	$	98,644
Construction and land development		15,618		1,636		723		—		17,977
Residential 1-4 family		234,317		3,493		8,511		—		246,321
Multifamily		12,812		205		413		—		13,430
Farmland		17,576		3,311		2,571		—		23,458
Total real estate loans		365,683		17,093		17,054		—		399,830
Commercial		21,283		715		108		—		22,106
Agriculture		3,737		—		221		—		3,958
Consumer installment loans		24,271		—		102		—		24,373
All other loans		42		—		—		—		42
Total	$	415,016	$	17,808	$	17,485	$	—	$	450,309
As of December 31, 2015 (Dollars are in thousands)		Pass		Special Mention		Substandard		Doubtful		Total
Real estate secured:
Commercial	$	85,255	$	7,543	$	5,771	$	—	$	98,569
Construction and land development		12,262		1,974		436		—		14,672
Residential 1-4 family		229,182		3,572		10,162		—		242,916
Multifamily		12,264		187		503		—		12,954
Farmland		16,663		2,923		2,588		—		22,174
Total real estate loans		355,626		16,199		19,460		—		391,285
Commercial		20,641		724		104		—		21,469
Agriculture		3,767		—		26		—		3,793
Consumer installment loans		24,478		—		90		—		24,568
All other loans		54		—		—		—		54
Total	$	404,566	$	16,923		19,680	$	—	$	441,169