6. LOANS (Tables)

3 Months Ended

Mar. 31, 2017

Loans and Leases Receivable Disclosure [Abstract]

Summary Of Loans Receivable Outstanding

(Dollars are in thousands)	March 31, 2017		December 31, 2016
Real estate secured:
Commercial	$	103,457	$	103,331
Construction and land development		26,588		25,755
Residential 1-4 family		252,917		249,700
Multifamily		14,135		12,582
Farmland		24,912		24,948
Total real estate loans		422,009		416,316
Commercial		28,259		26,955
Agriculture		3,662		3,164
Consumer installment loans		21,839		22,188
All other loans		721		6
Total loans	$	476,490	$	468,629

Summary Of Loans Receivable On Nonaccrual Status

(Dollars are in thousands)	March 31, 2017		December 31, 2016
Real estate secured:
Commercial	$	2,102	$	3,403
Construction and land development		328		319
Residential 1-4 family		7,706		8,355
Multifamily		162		166
Farmland		3,541		1,003
Total real estate loans		13,839		13,246
Commercial		11		—
Agriculture		83		83
Consumer installment loans		49		76
All other loans		—		—
Total loans receivable on nonaccrual status	$	13,982	$	13,405

Summary Of Impaired Loans

As of March 31, 2017 (Dollars are in thousands)	Recorded Investment		Unpaid Principal Balance		Related Allowance
With no related allowance recorded:
Real estate secured:
Commercial	$	2,755	$	3,128	$	—
Construction and land development		4		4		—
Residential 1-4 family		3,781		4,084		—
Multifamily		731		772		—
Farmland		3,872		4,592		—
Commercial		—		—		—
Agriculture		19		19		—
Consumer installment loans		9		9		—
All other loans		—		—		—
With an allowance recorded:
Real estate secured:
Commercial		611		697		125
Construction and land development		229		463		95
Residential 1-4 family		846		872		103
Multifamily		—		—		—
Farmland		589		602		297
Commercial		66		66		17
Agriculture		1		1		1
Consumer installment loans		—		—		—
All other loans		—		—		—
Total	$	13,513	$	15,309	$	638

As of December 31, 2016 (Dollars are in thousands)		Recorded Investment		Unpaid Principal Balance		Related Allowance
With no related allowance recorded:
Real estate secured:
Commercial	$	3,636	$	4,055	$	—
Construction and land development		5		5		—
Residential 1-4 family		3,861		4,182		—
Multifamily		301		342		—
Farmland		3,895		4,601		—
Commercial		—		—		—
Agriculture		19		19		—
Consumer installment loans		26		43		—
All other loans		—		—		—
With an allowance recorded:
Real estate secured:
Commercial		1,191		1,270		65
Construction and land development		240		469		106
Residential 1-4 family		555		565		56
Multifamily		—		—		—
Farmland		591		602		299
Commercial		67		67		18
Agriculture		5		5		5
Consumer installment loans		9		9		3
All other loans		—		—		—
Total	$	14,401	$	16,234	$	552

Summary of average impaired loans

	Three Months Ended
	March 31, 2017					March 31, 2016
(Dollars are in thousands)	Average Recorded Investment		Interest Income Recognized			Average Recorded Investment		Interest Income Recognized
With no related allowance recorded:
Real estate secured:
Commercial	$	3,196	$	25		$	4,479	$	35
Construction and land development		5		—			171		(1	)
Residential 1-4 family		3,821		49			3,599		51
Multifamily		516		12			269		2
Farmland		3,884		(115	)		4,149		51
Commercial		—		—			—		—
Agriculture		19		—			36		1
Consumer installment loans		18		—			27		1
All other loans		—		—			—		—
With an allowance recorded:
Real estate secured:
Commercial		901		2			1,768		—
Construction and land development		235		—			283		—
Residential 1-4 family		701		9			1,271		5
Multifamily		—		—			117		2
Farmland		590		5			640		6
Commercial		67		—			74		1
Agriculture		3		—			117		(2	)
Consumer installment loans		5		—			28		—
All other loans		—		—			—		—
Total	$	13,961	$	(13	)	$	17,028	$	152

Summary Of Age Analysis Of Past Due Loans Receivable

As of March 31, 2017 (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
Real estate secured:
Commercial	$	1,239	$	200	$	18	$	1,457	$	102,000	$	103,457
Construction and land development		—		16		66		82		26,506		26,588
Residential 1-4 family		3,509		1,319		1,372		6,200		246,717		252,917
Multifamily		—		436		—		436		13,699		14,135
Farmland		245		475		2,562		3,282		21,630		24,912
Total real estate loans		4,993		2,446		4,018		11,457		410,552		422,009
Commercial		76		—		11		87		28,172		28,259
Agriculture		27		—		79		106		3,556		3,662
Consumer installment Loans		42		3		24		69		21,770		21,839
All other loans		—		—		—		—		721		721
Total loans	$	5,138	$	2,449	$	4,132	$	11,719	$	464,771	$	476,490

As of December 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
Real estate secured:
Commercial	$	1,676	$	307	$	1,083	$	3,066	$	100,265	$	103,331
Construction and land development		103		17		44		164		25,591		25,755
Residential 1-4 family		4,237		1,547		2,233		8,017		241,683		249,700
Multifamily		1,367		—		—		1,367		11,215		12,582
Farmland		2,987		—		—		2,987		21,961		24,948
Total real estate loans		10,370		1,871		3,360		15,601		400,715		416,316
Commercial		20		—		—		20		26,935		26,955
Agriculture		19		—		78		97		3,067		3,164
Consumer installment Loans		110		15		36		161		22,027		22,188
All other loans		—		—		—		—		6		6
Total loans	$	10,519	$	1,886	$	3,474	$	15,879	$	452,750	$	468,629

Summary Of Risk Category Of Loans Receivable

As of March 31, 2017 (Dollars are in thousands)	Pass		Special Mention		Substandard		Total
Real estate secured:
Commercial	$	92,675	$	8,465	$	2,317	$	103,457
Construction and land development		24,826		1,434		328		26,588
Residential 1-4 family		242,254		2,083		8,580		252,917
Multifamily		11,989		1,350		796		14,135
Farmland		18,993		1,613		4,306		24,912
Total real estate loans		390,737		14,945		16,327		422,009
Commercial		27,485		708		66		28,259
Agriculture		3,564		14		84		3,662
Consumer installment loans		21,762		—		77		21,839
All other loans		721		—		—		721
Total	$	444,269	$	15,667	$	16,554	$	476,490
As of December 31, 2016 (Dollars are in thousands)		Pass		Special Mention		Substandard		Total
Real estate secured:
Commercial	$	92,562	$	6,922	$	3,847	$	103,331
Construction and land development		23,905		1,531		319		25,755
Residential 1-4 family		238,400		2,117		9,183		249,700
Multifamily		10,848		1,367		367		12,582
Farmland		19,070		1,545		4,333		24,948
Total real estate loans		384,785		13,482		18,049		416,316
Commercial		26,197		691		67		26,955
Agriculture		3,076		—		88		3,164
Consumer installment loans		22,086		—		102		22,188
All other loans		6		—		—		6
Total	$	436,150	$	14,173		18,306	$	468,629