v3.8.0.1
LOANS (Tables)
|
12 Months Ended |
|
Receivables [Abstract] |
|
Summary of Loans Receivable Outstanding |
Loans
receivable outstanding at December 31, are summarized as follows:
(Dollars
are in thousands) |
2017 |
|
2016 |
|
Real
estate secured: |
|
|
|
|
|
Commercial |
$ |
127,688 |
$ |
103,331 |
|
Construction
and land development |
|
29,763 |
|
25,755 |
|
Residential
1-4 family |
|
249,159 |
|
249,700 |
|
Multifamily |
|
15,481 |
|
12,582 |
|
Farmland |
|
22,998 |
|
24,948 |
|
Total
real estate loans |
|
445,089 |
|
416,316 |
|
Commercial |
|
41,345 |
|
26,955 |
|
Agriculture |
|
3,494 |
|
3,164 |
|
Consumer
installment loans |
|
22,411 |
|
22,188 |
|
All
other loans |
669 |
6 |
|
Total
loans |
$ |
513,008 |
$ |
468,629 |
|
Summary of Loans Receivable on Nonaccrual Status |
Loans
receivable on nonaccrual status at December 31, are summarized as follows:
(Dollars
are in thousands) |
2017 |
|
2016 |
|
Real
estate secured: |
|
|
|
|
|
Commercial |
$ |
2,035 |
$ |
3,403 |
|
Construction
and land development |
|
470 |
|
319 |
|
Residential
1-4 family |
|
2,991 |
|
8,355 |
|
Multifamily |
|
152 |
|
166 |
|
Farmland |
|
800 |
|
1,003 |
|
Total
real estate loans |
|
6,448 |
|
13,246 |
|
Commercial |
|
1,065 |
|
- |
|
Agriculture |
|
3 |
|
83 |
|
Consumer
installment loans |
48 |
76 |
|
Total
loans receivable on nonaccrual status |
$ |
7,564 |
$ |
13,405 |
|
|
Summary of Impaired Loans |
The
following table presents information concerning the Company’s investment in loans considered impaired as of December 31,
2017 and December 31, 2016:
As
of December 31, 2017
(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 |
$ |
2,910 |
$ |
122 |
$ |
2,646 |
$ |
2,719 |
$ |
- |
Construction
and land development |
|
87 |
|
6 |
|
424 |
|
680 |
|
- |
Residential
1-4 family |
|
3,779 |
|
198 |
|
3,586 |
|
3,885 |
|
- |
Multifamily |
|
377 |
|
20 |
|
281 |
|
321 |
|
- |
Farmland |
|
2,283 |
|
59 |
|
1,264 |
|
1,664 |
|
- |
Commercial |
|
126 |
|
12 |
|
628 |
|
628 |
|
- |
Agriculture |
|
17 |
|
1 |
|
12 |
|
12 |
|
- |
Consumer
installment loans |
|
12 |
|
1 |
|
8 |
|
8 |
|
- |
All
other loans |
|
- |
|
- |
|
- |
|
- |
|
- |
With
an allowance recorded: |
|
|
|
|
|
|
|
|
|
|
Real
estate secured: |
|
|
|
|
|
|
|
|
|
|
Commercial |
|
1,467 |
|
102 |
|
2,503 |
|
2,622 |
|
499 |
Construction
and land development |
|
177 |
|
- |
|
- |
|
- |
|
- |
Residential
1-4 family |
|
591 |
|
19 |
|
421 |
|
437 |
|
91 |
Multifamily |
|
528 |
|
- |
|
- |
|
- |
|
- |
Farmland |
|
614 |
|
22 |
|
378 |
|
378 |
|
243 |
Commercial |
|
323 |
|
26 |
|
489 |
|
572 |
|
413 |
Agriculture |
|
1 |
|
- |
|
- |
|
- |
|
- |
Consumer
installment loans |
|
2 |
|
- |
|
- |
|
- |
|
- |
All
other loans |
|
- |
|
- |
|
- |
|
- |
|
- |
Total |
$ |
13,294 |
$ |
588 |
$ |
12,640 |
$ |
13,926 |
$ |
1,246 |
As
of December 31, 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 |
$ |
4,104 |
$ |
147 |
$ |
3,636 |
$ |
4,055 |
$ |
- |
Construction
and land development |
|
72 |
|
1 |
|
5 |
|
5 |
|
- |
Residential
1-4 family |
|
3,745 |
|
192 |
|
3,861 |
|
4,182 |
|
- |
Multifamily |
|
290 |
|
21 |
|
301 |
|
342 |
|
- |
Farmland |
|
4,148 |
|
184 |
|
3,895 |
|
4,601 |
|
- |
Commercial |
|
- |
|
- |
|
- |
|
- |
|
- |
Agriculture |
|
27 |
|
2 |
|
19 |
|
19 |
|
- |
Consumer
installment loans |
|
25 |
|
1 |
|
26 |
|
43 |
|
- |
All
other loans |
|
- |
|
- |
|
- |
|
- |
|
- |
With
an allowance recorded: |
|
|
|
|
|
|
|
|
|
|
Real
estate secured: |
|
|
|
|
|
|
|
|
|
|
Commercial |
|
1,469 |
|
8 |
|
1,191 |
|
1,270 |
|
65 |
Construction
and land development |
|
265 |
|
- |
|
240 |
|
469 |
|
106 |
Residential
1-4 family |
|
862 |
|
22 |
|
555 |
|
565 |
|
56 |
Multifamily |
|
80 |
|
- |
|
- |
|
- |
|
- |
Farmland |
|
575 |
|
27 |
|
591 |
|
602 |
|
299 |
Commercial |
|
70 |
|
3 |
|
67 |
|
67 |
|
18 |
Agriculture |
|
86 |
|
1 |
|
5 |
|
5 |
|
5 |
Consumer
installment loans |
|
26 |
|
1 |
|
9 |
|
9 |
|
3 |
All
other loans |
|
- |
|
- |
|
- |
|
- |
|
- |
Total |
$ |
15,844 |
$ |
610 |
$ |
14,401 |
$ |
16,234 |
$ |
552 |
|
Summary of Age Analysis of Past Due Loans Receivable |
An
age analysis of past due loans receivable is below. At December 31, 2017 and 2016, there were no loans over 90 days past due that
were accruing.
As
of December 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 |
$ |
190 |
$ |
2,396 |
$ |
453 |
$ |
3,039 |
$ |
124,649 |
$ |
127,688 |
Construction
and land
development |
|
69 |
|
246 |
|
42 |
|
357 |
|
29,406 |
|
29,763 |
Residential
1-4 family |
|
3,789 |
|
378 |
|
969 |
|
5,136 |
|
244,023 |
|
249,159 |
Multifamily |
|
125 |
|
89 |
|
- |
|
214 |
|
15,267 |
|
15,481 |
Farmland |
|
309 |
|
- |
|
- |
|
309 |
|
22,689 |
|
22,998 |
Total
real estate loans |
|
4,482 |
|
3,109 |
|
1,464 |
|
9,055 |
|
436,034 |
|
445,089 |
Commercial |
|
103 |
|
25 |
|
603 |
|
731 |
|
40,614 |
|
41,345 |
Agriculture |
|
38 |
|
- |
|
- |
|
38 |
|
3,456 |
|
3,494 |
Consumer
installment
Loans |
|
102 |
|
15 |
|
28 |
|
145 |
|
22,266 |
|
22,411 |
All
other loans |
|
- |
|
- |
|
- |
|
- |
|
669 |
|
669 |
Total
loans |
$ |
4,725 |
$ |
3,149 |
$ |
2,095 |
$ |
9,969 |
$ |
503,039 |
$ |
513,008 |
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 |
Based
on the most recent analysis performed, the risk category of loans receivable was as follows:
As
of December 31, 2017
(Dollars
are in thousands) |
|
Pass |
|
Special
Mention |
|
Substandard |
|
Total |
Real
estate secured: |
|
|
|
|
|
|
|
|
Commercial |
$ |
120,104 |
$ |
3,228 |
$ |
4,356 |
$ |
127,688 |
Construction
and land development |
|
28,462 |
|
816 |
|
485 |
|
29,763 |
Residential
1-4 family |
|
243,048 |
|
1,810 |
|
4,301 |
|
249,159 |
Multifamily |
|
13,695 |
|
1,445 |
|
341 |
|
15,481 |
Farmland |
|
19,273 |
|
2,445 |
|
1,280 |
|
22,998 |
Total
real estate loans |
|
424,582 |
|
9,744 |
|
10,763 |
|
445,089 |
Commercial |
|
37,973 |
|
2,307 |
|
1,065 |
|
41,345 |
Agriculture |
|
3,468 |
|
23 |
|
3 |
|
3,494 |
Consumer
installment loans |
|
22,357 |
|
2 |
|
52 |
|
22,411 |
All
other loans |
|
669 |
|
- |
|
- |
|
669 |
Total |
$ |
489,049 |
$ |
12,076 |
|
11,883 |
$ |
513,008 |
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 |
|
X |
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X |
- DefinitionTabular disclosure of financing receivables by credit quality indicator. The credit quality indicator is a statistic about the credit quality of financing receivables. Examples include, but not limited to, consumer credit risk scores, credit-rating-agency ratings, an entity's internal credit risk grades, loan-to-value ratios, collateral, collection experience and other internal metrics.
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- DefinitionTabular disclosure of financing receivables that are past due but not impaired, financing receivables that are 90 days past due and still accruing, and financing receivables on nonaccrual status.
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