Loans (Tables)

6 Months Ended

Jun. 30, 2015


(Dollars are in thousands)		June 30, 2015		December 31, 2014
Real estate secured:
Commercial	$	103,516	$	108,062
Construction and land development		13,404		15,439
Residential 1-4 family		239,581		243,538
Multifamily		13,755		14,409
Farmland		22,064		25,252
Total real estate loans		392,320		406,700
Commercial		22,182		21,807
Agriculture		4,127		3,117
Consumer installment loans		25,070		25,828
All other loans		76		97
Total loans	$	443,775	$	457,549

Summary Of Loans Receivable On Nonaccrual Status



(Dollars are in thousands)		June 30, 2015		December 31, 2014
Real estate secured:
Commercial	$	4,944	$	6,222
Construction and land development		515		332
Residential 1-4 family		7,293		8,589
Multifamily		434		118
Farmland		3,554		5,982
Total real estate loans		16,740		21,243
Commercial		212		554
Agriculture		14		18
Consumer installment loans		50		46
All other loans		-		-
Total loans receivable on nonaccrual status	$	17,016	$	21,861

Summary Of Impaired Loans



As of June 30, 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	$	4,381	$	59	$	4,514	$	5,937	$	-
Construction and land development		14		-		12		12		-
Residential 1-4 family		3,600		93		3,654		3,820		-
Multifamily		580		2		435		476		-
Farmland		5,484		52		4,993		5,861		-
Commercial		444		2		210		210		-
Agriculture		47		3		36		36		-
Consumer installment loans		29		3		60		60		-
All other loans		-		-		-		-		-
With an allowance recorded:
Real estate secured:
Commercial		3,384		40		2,801		3,137		889
Construction and land development		391		-		413		663		237
Residential 1-4 family		2,340		53		2,168		2,378		200
Multifamily		38		-		-		-		-
Farmland		998		19		787		792		355
Commercial		86		2		92		92		46
Agriculture		27		1		24		24		24
Consumer installment loans		17		-		-		-		-
All other loans		-		-		-		-		-
Total	$	21,860	$	329	$	20,199	$	23,498	$	1,751
As of December 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	$	9,628	$	128	$	3,986	$	5,166	$	-
Construction and land development		248		1		15		15		-
Residential 1-4 family		2,959		177		3,245		3,471		-
Multifamily		370		26		438		479		-
Farmland		5,383		114		5,767		6,801		-
Commercial		421		-		548		674		-
Agriculture		62		4		52		52		-
Consumer installment loans		12		1		15		15		-
All other loans		-		-		-		-		-
With an allowance recorded:
Real estate secured:
Commercial		6,338		132		4,517		4,905		1,482
Construction and land development		505		14		303		355		88
Residential 1-4 family		4,248		126		2,573		2,852		347
Multifamily		268		7		113		113		15
Farmland		2,573		59		1,104		1,116		343
Commercial		407		4		74		74		26
Agriculture		39		2		30		30		30
Consumer installment loans		10		-		-		-		-
All other loans		-		-		-		-		-
Total	$	33,471	$	795	$	22,780	$	26,118	$	2,331

Summary Of Age Analysis Of Past Due Loans Receivable

As of June 30, 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	$	528	$	150	$	2,992	$	3,670	$	99,846	$	103,516	$	-
Construction and land development		101		124		-		225		13,179		13,404		-
Residential 1-4 family		5,774		2,557		1,044		9,375		230,206		239,581		-
Multifamily		629		-		320		949		12,806		13,755		-
Farmland		170		24		-		194		21,870		22,064		-
Total real estate loans		7,202		2,855		4,356		14,413		377,907		392,320		-
Commercial		64		13		211		288		21,894		22,182		-
Agriculture		3		-		-		3		4,124		4,127		-
Consumer installment Loans		93		30		37		160		24,910		25,070		-
All other loans		10		-		-		10		66		76		-
Total loans	$	7,372	$	2,898	$	4,604	$	14,874	$	428,901	$	443,775	$	-


As of December 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	$	2,683	$	74	$	2,411	$	5,168	$	102,894	$	108,062	$	-
Construction and land development		94		335		12		441		14,998		15,439		-
Residential 1-4 family		7,885		1,728		2,346		11,959		231,579		243,538		-
Multifamily		320		-		-		320		14,089		14,409		-
Farmland		661		453		-		1,114		24,138		25,252		-
Total real estate loans		11,643		2,590		4,769		19,002		387,698		406,700		-
Commercial		64		15		162		241		21,566		21,807		-
Agriculture		-		4		-		4		3,113		3,117		-
Consumer installment Loans		153		19		21		193		25,635		25,828		-
All other loans		22		6		-		28		69		97		-
Total loans	$	11,882	$	2,634	$	4,952	$	19,468	$	438,081	$	457,549	$	-

Summary Of Risk Category Of Loans Receivable


As of June 30, 2015 (Dollars are in thousands)		Pass		Special Mention		Substandard		Doubtful		Total
Real estate secured:
Commercial	$	87,497	$	9,793	$	6,226	$	-	$	103,516
Construction and land development		10,809		2,080		515		-		13,404
Residential 1-4 family		226,930		2,754		9,897		-		239,581
Multifamily		13,102		143		510		-		13,755
Farmland		16,020		377		5,667		-		22,064
Total real estate loans		354,358		15,147		22,815		-		392,320
Commercial		18,170		3,585		427		-		22,182
Agriculture		4,089		-		38		-		4,127
Consumer installment loans		24,939		-		131		-		25,070
All other loans		76		-		-		-		76
Total	$	401,632	$	18,732	$	23,411	$	-	$	443,775
As of December 31, 2014 (Dollars are in thousands)		Pass		Special Mention		Substandard		Doubtful		Total
Real estate secured:
Commercial	$	92,515	$	7,925	$	7,622	$	-	$	108,062
Construction and land development		12,974		2,041		424		-		15,439
Residential 1-4 family		230,184		1,965		11,389		-		243,538
Multifamily		13,953		146		310		-		14,409
Farmland		18,159		270		6,823		-		25,252
Total real estate loans		367,785		12,347		26,568		-		406,700
Commercial		18,495		2,548		764		-		21,807
Agriculture		3,069		-		48		-		3,117
Consumer installment loans		25,719		-		109		-		25,828
All other loans		97		-		-		-		97
Total	$	415,165	$	14,895	$	27,489	$	-	$	457,549