7. ALLOWANCE FOR LOAN LOSSES (Tables)

3 Months Ended

Mar. 31, 2017

Allowance For Loan Losses Tables

Summary Of Activity In The Allowance For Loan Losses By Portfolio Segment

As of March 31, 2017 (Dollars are in thousands)	Beginning Balance		Charge Offs			Recoveries		Provisions			Ending Balance
Real estate secured:
Commercial	$	1,625	$	(73	)	$	—	$	9		$	1,561
Construction and land development		346		—			—		(33	)		313
Residential 1-4 family		2,376		(162	)		23		2			2,239
Multifamily		241		—			—		33			274
Farmland		428		—			5		60			493
Total real estate loans		5,016		(235	)		28		71			4,880
Commercial		163		—			119		(69	)		213
Agriculture		31		—			1		(5	)		27
Consumer installment loans		123		(30	)		13		7			113
All other loans		—		—			—		5			5
Unallocated		739		—			—		(9	)		730
Total	$	6,072	$	(265	)	$	161	$	—		$	5,968

As of December 31, 2016 (Dollars are in thousands)	Beginning Balance		Charge Offs			Recoveries		Provisions			Ending Balance
Real estate secured:
Commercial	$	2,384	$	(557	)	$	220	$	(422	)	$	1,625
Construction and land development		332		(5	)		26		(7	)		346
Residential 1-4 family		2,437		(720	)		87		572			2,376
Multifamily		232		(18	)		—		27			241
Farmland		675		(2	)		103		(348	)		428
Total real estate loans		6,060		(1,302	)		436		(178	)		5,016
Commercial		266		(65	)		62		(100	)		163
Agriculture		124		—			7		(100	)		31
Consumer installment loans		128		(83	)		24		54			123
All other loans		1		—			—		(1	)		—
Unallocated		914		—			—		(175	)		739
Total	$	7,493	$	(1,450	)	$	529	$	(500	)	$	6,072

Schedule Of Allocation Of Portion Of Allowance

		Allowance for Loan Losses						Recorded Investment in Loans
As of March 31, 2017 (Dollars are in thousands)		Individually Evaluated for Impairment		Collectively Evaluated for Impairment		Total		Individually Evaluated for Impairment		Collectively Evaluated for Impairment		Total
Real estate secured:
Commercial	$	125	$	1,436	$	1,561	$	3,366	$	100,091	$	103,457
Construction and land development		95		218		313		233		26,355		26,588
Residential 1-4 family		103		2,136		2,239		4,627		248,290		252,917
Multifamily		-		274		274		731		13,404		14,135
Farmland		297		196		493		4,461		20,451		24,912
Total real estate loans		620		4,260		4,880		13,418		408,591		422,009
Commercial		17		196		213		66		28,193		28,259
Agriculture		1		26		27		20		3,642		3,662
Consumer installment loans		-		113		113		9		21,830		21,839
All other loans		-		5		5		-		721		721
Unallocated		-		730		730		-		-		-
Total	$	638	$	5,330	$	5,968	$	13,513	$	462,977	$	476,490

		Allowance for Loan Losses						Recorded Investment in Loans
As of December 31, 2016 (Dollars are in thousands)		Individually Evaluated for Impairment		Collectively Evaluated for Impairment		Total		Individually Evaluated for Impairment		Collectively Evaluated for Impairment		Total
Real estate secured:
Commercial	$	65	$	1,560	$	1,625	$	4,827	$	98,504	$	103,331
Construction and land development		106		240		346		245		25,510		25,755
Residential 1-4 family		56		2,320		2,376		4,416		245,284		249,700
Multifamily		-		241		241		301		12,281		12,582
Farmland		299		129		428		4,486		20,462		24,948
Total real estate loans		526		4,490		5,016		14,275		402,041		416,316
Commercial		18		145		163		67		26,888		26,955
Agriculture		5		26		31		24		3,140		3,164
Consumer installment loans		3		120		123		35		22,153		22,188
All other loans		-		-		-		-		6		6
Unallocated		-		739		739		-		-		-
Total	$	552	$	5,520		6,072	$	14,401	$	454,228	$	468,629