6. LOANS (Tables)

6 Months Ended

Jun. 30, 2016

Loans and Leases Receivable Disclosure [Abstract]

Summary Of Loans Receivable Outstanding

(Dollars are in thousands)		June 30, 2016		December 31, 2015
Real estate secured:
Commercial	$	103,531	$	98,569
Construction and land development		19,289		14,672
Residential 1-4 family		246,084		242,916
Multifamily		13,273		12,954
Farmland		23,474		22,174
Total real estate loans		405,651		391,285
Commercial		24,863		21,469
Agriculture		4,346		3,793
Consumer installment loans		24,724		24,568
All other loans		29		54
Total loans	$	459,613	$	441,169

Summary Of Loans Receivable On Nonaccrual Status

(Dollars are in thousands)		June 30, 2016		December 31, 2015
Real estate secured:
Commercial	$	2,851	$	4,358
Construction and land development		424		436
Residential 1-4 family		7,685		8,338
Multifamily		270		430
Farmland		969		1,170
Total real estate loans		12,199		14,732
Commercial		75		65
Agriculture		178		9
Consumer installment loans		69		41
All other loans		-		-
Total loans receivable on nonaccrual status	$	12,521	$	14,847

Summary Of Impaired Loans

As of June 30, 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	$	4,451	$	73		$	4,396	$	4,818	$	—
Construction and land development		116		—			7		7		—
Residential 1-4 family		3,758		103			4,075		4,391		—
Multifamily		282		11			308		349		—
Farmland		4,162		102			4,189		4,869		—
Commercial		—		—			—		—		—
Agriculture		33		2			26		26		—
Consumer installment loans		32		2			43		43		—
All other loans		—		—			—		—		—
With an allowance recorded:
Real estate secured:
Commercial		1,522		—			1,029		1,102		158
Construction and land development		277		—			265		485		131
Residential 1-4 family		1,037		11			568		574		69
Multifamily		133		4			165		165		30
Farmland		595		12			505		513		296
Commercial		72		2			68		68		23
Agriculture		139		(2	)		185		185		185
Consumer installment loans		22		—			10		10		3
All other loans		—		—			—		—		—
Total	$	16,631	$	320		$	15,839	$	17,605	$	895

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

An age analysis of past due loans receivable was as follows:

As of June 30, 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	$	534	$	1,255	$	1,552	$	3,341	$	100,190	$	103,531	$	—
Construction and land development		100		—		71		171		19,118		19,289		—
Residential 1-4 family		6,199		2,054		2,075		10,328		235,756		246,084		—
Multifamily		446		67		165		678		12,595		13,273		—
Farmland		365		164		—		529		22,945		23,474		—
Total real estate loans		7,644		3,540		3,863		15,047		390,604		405,651		—
Commercial		36		15		75		126		24,737		24,863		—
Agriculture		29		—		173		202		4,144		4,346		—
Consumer installment Loans		161		49		37		247		24,477		24,724		—
All other loans		22		—		—		22		7		29		—
Total loans	$	7,892	$	3,604	$	4,148	$	15,644	$	443,969	$	459,613	$	—

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 June 30, 2016 (Dollars are in thousands)	Pass		Special Mention		Substandard		Doubtful		Total
Real estate secured:
Commercial	$	91,667	$	7,378	$	4,486	$	—	$	103,531
Construction and land development		17,267		1,598		424		—		19,289
Residential 1-4 family		235,604		1,843		8,637		—		246,084
Multifamily		12,730		—		543		—		13,273
Farmland		17,703		3,473		2,298		—		23,474
Total real estate loans		374,971		14,292		16,388		—		405,651
Commercial		24,070		706		87		—		24,863
Agriculture		4,157		—		189		—		4,346
Consumer installment loans		24,574		—		150		—		24,724
All other loans		29		—		—		—		29
Total	$	427,801	$	14,998	$	16,814	$	—	$	459,613
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