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Loans (Tables)
 3 Months Ended
Mar. 31, 2014
Loans [Abstract]  
Summary Of Loans Receivable Outstanding

 

 

 

 

 

(Dollars are in thousands)

 

March 31, 2014

 

December 31, 2013

Real estate secured:

 

 

 

 

Commercial

$
124,998 

$
126,174 

Construction and land development

 
17,456 

 
22,421 

Residential 1-4 family

 
250,049 

 
249,187 

Multifamily

 
11,006 

 
11,482 

Farmland

 
27,639 

 
28,892 

Total real estate loans

 
431,148 

 
438,156 

Commercial

 
22,519 

 
24,955 

Agriculture

 
3,660 

 
3,718 

Consumer installment loans

 
25,292 

 
26,055 

All other loans

 
127 

 
139 

Total loans

$
482,746 

$
493,023 

 

Summary Of Loans Receivable On Nonaccrual Status

 

 

 

 

 

 

 

 

 

 

(Dollars are in thousands)

 

March 31, 2014

 

December 31, 2013

Real estate secured:

 

 

 

 

Commercial

$
15,806 

$
16,098 

Construction and land development

 
730 

 
775 

Residential 1-4 family

 
5,121 

 
4,852 

Multifamily

 
171 

 
171 

Farmland

 
5,471 

 
5,315 

Total real estate loans

 
27,299 

 
27,211 

Commercial

 
973 

 
947 

Agriculture

 
12 

 
45 

Consumer installment loans

 
76 

 
104 

All other loans

 

-

 

-

Total loans receivable on nonaccrual status

$
28,360 

$
28,307 

 

Summary Of Impaired Loans

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

As of March 31, 2014

(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

$
12,577 

$
72 

$
15,346 

$
17,522 

$

-

Construction and land development

 
322 

 
1 

 
307 

 
325 

 

-

Residential 1-4 family

 
2,815 

 
34 

 
3,073 

 
3,327 

 

-

Multifamily

 
325 

 
4 

 
324 

 
324 

 

-

Farmland

 
4,472 

 
63 

 
6,411 

 
7,158 

 

-

Commercial

 
316 

 

-

 
317 

 
317 

 

-

Agriculture

 
66 

 
1 

 
72 

 
89 

 

-

Consumer installment loans

 
7 

 

-

 
1 

 
1 

 

-

All other loans

 

-

 

-

 

-

 

-

 

-

With an allowance recorded:

 

 

 

 

 

 

 

 

 

 

Real estate secured:

 

 

 

 

 

 

 

 

 

 

Commercial

 
9,124 

 
54 

 
6,155 

 
6,570 

 
1,340 

Construction and land development

 
559 

 
3 

 
563 

 
654 

 
147 

Residential 1-4 family

 
5,321 

 
58 

 
5,183 

 
5,385 

 
1,350 

Multifamily

 
268 

 
4 

 
267 

 
267 

 
37 

Farmland

 
4,168 

 
31 

 
2,226 

 
2,238 

 
565 

Commercial

 
669 

 
1 

 
666 

 
733 

 
145 

Agriculture

 
47 

 
1 

 
39 

 
39 

 
39 

Consumer installment loans

 
22 

 

-

 
21 

 
21 

 
2 

All other loans

 

-

 

-

 

-

 

-

 

-

Total

$
41,078 

$
327 

$
40,971 

$
44,970 

$
3,625 

 

 

As of December 31, 2013

(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

$
16,270 

$
300 

$
9,807 

$
10,276 

$

-

Construction and land development

 
2,246 

 
26 

 
336 

 
345 

 

-

Residential 1-4 family

 
4,276 

 
126 

 
2,557 

 
2,727 

 

-

Multifamily

 
652 

 
16 

 
326 

 
326 

 

-

Farmland

 
4,260 

 
166 

 
2,533 

 
2,670 

 

-

Commercial

 
717 

 
7 

 
315 

 
423 

 

-

Agriculture

 
71 

 
6 

 
60 

 
60 

 

-

Consumer installment loans

 
51 

 
2 

 
12 

 
12 

 

-

All other loans

 

-

 

-

 

-

 

-

 

-

With an allowance recorded:

 

 

 

 

 

 

 

 

 

 

Real estate secured:

 

 

 

 

 

 

 

 

 

 

Commercial

 
12,080 

 
441 

 
12,092 

 
13,924 

 
1,942 

Construction and land development

 
492 

 
9 

 
554 

 
640 

 
138 

Residential 1-4 family

 
3,980 

 
260 

 
5,458 

 
5,824 

 
1,180 

Multifamily

 
561 

 
17 

 
268 

 
268 

 
39 

Farmland

 
4,116 

 
114 

 
6,109 

 
6,797 

 
653 

Commercial

 
1,012 

 
3 

 
672 

 
740 

 
208 

Agriculture

 
138 

 
4 

 
55 

 
71 

 
43 

Consumer installment loans

 
22 

 
2 

 
22 

 
22 

 
3 

All other loans

 

-

 

-

 

-

 

-

 

-

Total

$
50,944 

$
1,499 

$
41,176 

$
45,125 

$
4,206 

 

Summary Of Age Analysis Of Past Due Loans Receivable

 

 

 

 

 

As of March 31, 2014

(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

$
2,185 

$
231 

$
8,493 

$
10,909 

$
114,089 

$
124,998 

$

-

Construction and  land

  development

 
331 

 

-

 
312 

 
643 

 
16,813 

 
17,456 

 

-

Residential 1-4 family

 
5,729 

 
867 

 
1,693 

 
8,289 

 
241,760 

 
250,049 

 

-

Multifamily

 
200 

 

-

 
171 

 
371 

 
10,635 

 
11,006 

 

-

Farmland

 
1,466 

 

-

 
3,949 

 
5,415 

 
22,224 

 
27,639 

 

-

Total real estate loans

 
9,911 

 
1,098 

 
14,618 

 
25,627 

 
405,521 

 
431,148 

 

-

Commercial

 
65 

 
36 

 
943 

 
1,044 

 
21,475 

 
22,519 

 

-

Agriculture

 
8 

 
21 

 
12 

 
41 

 
3,619 

 
3,660 

 

-

Consumer installment

  Loans

 
88 

 
4 

 
32 

 
124 

 
25,168 

 
25,292 

 

-

All other loans

 
8 

 
3 

 

-

 
11 

 
116 

 
127 

 

-

Total loans

$
10,080 

$
1,162 

$
15,605 

$
26,847 

$
455,899 

$
482,746 

$

-

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

As of December 31, 2013

(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

$
7,192 

$
1,713 

$
4,174 

$
13,079 

$
113,095 

$
126,174 

$

-

Construction and  land

  development

 
505 

 
183 

 
347 

 
1,035 

 
21,386 

 
22,421 

 

-

Residential 1-4 family

 
6,391 

 
1,067 

 
1,271 

 
8,729 

 
240,458 

 
249,187 

 

-

Multifamily

 

-

 
436 

 

-

 
436 

 
11,046 

 
11,482 

 

-

Farmland

 
1,869 

 
137 

 
3,986 

 
5,992 

 
22,900 

 
28,892 

 

-

Total real estate loans

 
15,957 

 
3,536 

 
9,778 

 
29,271 

 
408,885 

 
438,156 

 

-

Commercial

 
135 

 
14 

 
902 

 
1,051 

 
23,904 

 
24,955 

 

-

Agriculture

 
26 

 
20 

 
13 

 
59 

 
3,659 

 
3,718 

 

-

Consumer installment

  Loans

 
241 

 
48 

 
8 

 
297 

 
25,758 

 
26,055 

 

-

All other loans

 
11 

 
7 

 
1 

 
19 

 
120 

 
139 

 
1 

Total loans

$
16,370 

$
3,625 

$
10,702 

$
30,697 

$
462,326 

$
493,023 

$
1 

 

Summary Of Risk Category Of Loans Receivable

 

 

 

 

 

 

 

 

 

 

 

 

As of March 31, 2014

(Dollars are in thousands)

 

 

 

Pass

 

 

Special

Mention

 

 

 

Substandard

 

 

 

 

 

Doubtful

 

 

 

Total

Real estate secured:

 

 

 

 

 

 

 

 

 

 

  Commercial

$
100,300 

$
4,118 

$
20,580 

$

-

$
124,998 

  Construction and land development

 
14,324 

 
2,013 

 
1,119 

 

-

 
17,456 

  Residential 1-4 family

 
235,386 

 
1,911 

 
12,555 

 
197 

 
250,049 

  Multifamily

 
10,568 

 

-

 
438 

 

-

 
11,006 

  Farmland

 
18,720 

 
407 

 
8,512 

 

-

 
27,639 

Total real estate loans

 
379,298 

 
8,449 

 
43,204 

 
197 

 
431,148 

Commercial

 
20,917 

 
555 

 
1,024 

 
23 

 
22,519 

Agriculture

 
3,545 

 
6 

 
109 

 

-

 
3,660 

Consumer installment loans

 
25,108 

 

-

 
184 

 

-

 
25,292 

All other loans

 
127 

 

-

 

-

 

-

 
127 

Total

$
428,995 

$
9,010 

$
44,521 

$
220 

$
482,746 

 

As of December 31, 2013

(Dollars are in thousands)

 

 

 

Pass

 

 

Special

Mention

 

 

 

Substandard

 

 

 

 

 

Doubtful

 

 

 

Total

Real estate secured:

 

 

 

 

 

 

 

 

 

 

  Commercial

$
100,403 

$
4,586 

$
21,185 

$

-

$
126,174 

  Construction and land development

 
19,138 

 
2,107 

 
1,176 

 

-

 
22,421 

  Residential 1-4 family

 
234,857 

 
1,916 

 
12,213 

 
201 

 
249,187 

  Multifamily

 
10,777 

 
266 

 
439 

 

-

 
11,482 

  Farmland

 
19,935 

 
411 

 
8,546 

 

-

 
28,892 

Total real estate loans

 
385,110 

 
9,286 

 
43,559 

 
201 

 
438,156 

Commercial

 
23,258 

 
634 

 
1,034 

 
29 

 
24,955 

Agriculture

 
3,583 

 
11 

 
124 

 

-

 
3,718 

Consumer installment loans

 
25,879 

 

-

 
176 

 

-

 
26,055 

All other loans

 
139 

 

-

 

-

 

-

 
139 

Total

$
437,969 

$
9,931 

$
44,893 

$
230 

$
493,023