Loans (Tables)
|
3 Months Ended |
Mar. 31, 2014
|
Receivables [Abstract] |
|
Summary of Loans |
Loans consist of the following:
|
|
|
|
|
|
|
|
|
(Dollars in thousands) |
|
March 31, 2014 |
|
|
December 31, 2013 |
|
Commercial
|
|
$ |
132,140 |
|
|
$ |
117,478 |
|
Commercial real estate
|
|
|
142,229 |
|
|
|
129,828 |
|
Residential real estate
|
|
|
114,916 |
|
|
|
111,445 |
|
Construction & land development
|
|
|
11,365 |
|
|
|
13,444 |
|
Consumer
|
|
|
6,841 |
|
|
|
6,687 |
|
|
|
|
|
|
|
|
|
|
Total loans before deferred costs
|
|
|
407,491 |
|
|
|
378,882 |
|
Deferred loan costs
|
|
|
279 |
|
|
|
243 |
|
|
|
|
|
|
|
|
|
|
Total Loans
|
|
$ |
407,770 |
|
|
$ |
379,125 |
|
|
|
|
|
|
|
|
|
|
|
Schedule of Allowances for Loan Losses by Portfolio Segment |
The following table details activity in the allowance for loan
losses by portfolio segment for the three month periods ended
March 31, 2014 and 2013.
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
(Dollars in thousands)
|
|
Commercial |
|
|
Commercial
Real Estate |
|
|
Residential
Real Estate |
|
|
Construction
& Land
Development |
|
|
Consumer |
|
|
Unallocated |
|
|
Total |
|
Three months ended March 31, 2014
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Beginning balance
|
|
$ |
1,219 |
|
|
$ |
1,872 |
|
|
$ |
1,205 |
|
|
$ |
178 |
|
|
$ |
91 |
|
|
$ |
520 |
|
|
$ |
5,085 |
|
Provision for possible loan losses
|
|
|
(72 |
) |
|
|
517 |
|
|
|
(151 |
) |
|
|
(33 |
) |
|
|
(12 |
) |
|
|
(64 |
) |
|
|
185 |
|
Charge-offs
|
|
|
(8 |
) |
|
|
(197 |
) |
|
|
(4 |
) |
|
|
— |
|
|
|
(8 |
) |
|
|
|
|
|
|
(217 |
) |
Recoveries
|
|
|
2 |
|
|
|
— |
|
|
|
4 |
|
|
|
— |
|
|
|
6 |
|
|
|
|
|
|
|
12 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Net charge-offs
|
|
|
(6 |
) |
|
|
(197 |
) |
|
|
— |
|
|
|
— |
|
|
|
(2 |
) |
|
|
|
|
|
|
(205 |
) |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Ending balance
|
|
$ |
1,141 |
|
|
$ |
2,192 |
|
|
$ |
1,054 |
|
|
$ |
145 |
|
|
$ |
77 |
|
|
$ |
456 |
|
|
$ |
5,065 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Three months ended March 31, 2013
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Beginning balance
|
|
$ |
933 |
|
|
$ |
1,902 |
|
|
$ |
1,096 |
|
|
$ |
253 |
|
|
$ |
76 |
|
|
$ |
320 |
|
|
$ |
4,580 |
|
Provision for possible loan losses
|
|
|
242 |
|
|
|
(78 |
) |
|
|
177 |
|
|
|
(119 |
) |
|
|
(12 |
) |
|
|
— |
|
|
|
210 |
|
Charge-offs
|
|
|
(6 |
) |
|
|
— |
|
|
|
— |
|
|
|
— |
|
|
|
(10 |
) |
|
|
|
|
|
|
(16 |
) |
Recoveries
|
|
|
7 |
|
|
|
— |
|
|
|
9 |
|
|
|
— |
|
|
|
14 |
|
|
|
|
|
|
|
30 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Net charge-offs
|
|
|
1 |
|
|
|
— |
|
|
|
9 |
|
|
|
— |
|
|
|
4 |
|
|
|
|
|
|
|
14 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Ending balance
|
|
$ |
1,176 |
|
|
$ |
1,824 |
|
|
$ |
1,282 |
|
|
$ |
134 |
|
|
$ |
68 |
|
|
$ |
320 |
|
|
$ |
4,804 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Allowances for Loan Losses and Ending Balances by Portfolio Segment and Based on Impairment Method |
The following table presents the balance in the allowance for loan
losses and the ending loan balances by portfolio segment and based
on the impairment method as of March 31, 2014 and
December 31, 2013:
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
(Dollars in thousands)
|
|
Commercial |
|
|
Commercial
Real Estate |
|
|
Residential
Real Estate |
|
|
Construction
& Land
Development |
|
|
Consumer |
|
|
Unallocated |
|
|
Total |
|
March 31, 2014
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Allowance for loan losses:
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Ending allowance balances attributable to loans:
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Individually evaluated for impairment
|
|
$ |
225 |
|
|
$ |
443 |
|
|
$ |
209 |
|
|
$ |
— |
|
|
$ |
— |
|
|
$ |
— |
|
|
$ |
877 |
|
Collectively evaluated for impairment
|
|
|
916 |
|
|
|
1,749 |
|
|
|
845 |
|
|
|
145 |
|
|
|
77 |
|
|
|
456 |
|
|
|
4,188 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Total ending allowance balance
|
|
$ |
1,141 |
|
|
$ |
2,192 |
|
|
$ |
1,054 |
|
|
$ |
145 |
|
|
$ |
77 |
|
|
$ |
456 |
|
|
$ |
5,065 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Loans:
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Loans individually evaluated for impairment
|
|
$ |
6,543 |
|
|
$ |
3,731 |
|
|
$ |
1,900 |
|
|
$ |
— |
|
|
$ |
— |
|
|
|
|
|
|
$ |
12,174 |
|
Loans collectively evaluated for impairment
|
|
|
125,597 |
|
|
|
138,498 |
|
|
|
113,016 |
|
|
|
11,365 |
|
|
|
6,841 |
|
|
|
|
|
|
|
395,317 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Total ending loans balance
|
|
$ |
132,140 |
|
|
$ |
142,229 |
|
|
$ |
114,916 |
|
|
$ |
11,365 |
|
|
$ |
6,841 |
|
|
|
|
|
|
$ |
407,491 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
December 31, 2013
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Allowance for loan losses:
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Ending allowance balances attributable to loans:
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Individually evaluated for impairment
|
|
$ |
241 |
|
|
$ |
331 |
|
|
$ |
212 |
|
|
$ |
— |
|
|
$ |
— |
|
|
$ |
— |
|
|
$ |
784 |
|
Collectively evaluated for impairment
|
|
|
978 |
|
|
|
1,541 |
|
|
|
993 |
|
|
|
178 |
|
|
|
91 |
|
|
|
520 |
|
|
|
4,301 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Total ending allowance balance
|
|
$ |
1,219 |
|
|
$ |
1,872 |
|
|
$ |
1,205 |
|
|
$ |
178 |
|
|
$ |
91 |
|
|
$ |
520 |
|
|
$ |
5,085 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Loans:
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Loans individually evaluated for impairment
|
|
$ |
5,576 |
|
|
$ |
3,220 |
|
|
$ |
1,844 |
|
|
$ |
— |
|
|
$ |
— |
|
|
|
|
|
|
$ |
10,640 |
|
Loans collectively evaluated for impairment
|
|
|
111,902 |
|
|
|
126,608 |
|
|
|
109,601 |
|
|
|
13,444 |
|
|
|
6,687 |
|
|
|
|
|
|
|
368,242 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Total ending loans balance
|
|
$ |
117,478 |
|
|
$ |
129,828 |
|
|
$ |
111,445 |
|
|
$ |
13,444 |
|
|
$ |
6,687 |
|
|
|
|
|
|
$ |
378,882 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Schedule of Impairment by Class of Loans |
The following table presents loans individually evaluated for
impairment by class of loans as of March 31, 2014 and
December 31, 2013:
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
(Dollars in thousands)
|
|
Unpaid
Principal
Balance |
|
|
Recorded
Investment
with no
Allowance |
|
|
Recorded
Investment
with
Allowance |
|
|
Total
Recorded
Investment |
|
|
Related
Allowance |
|
|
Average
Recorded
Investment |
|
|
Interest
Income
Recognized |
|
March 31, 2014
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Commercial
|
|
$ |
6,584 |
|
|
$ |
65 |
|
|
$ |
6,493 |
|
|
$ |
6,558 |
|
|
$ |
225 |
|
|
$ |
6,156 |
|
|
$ |
246 |
|
Commercial real estate
|
|
|
4,258 |
|
|
|
367 |
|
|
|
3,364 |
|
|
|
3,731 |
|
|
|
443 |
|
|
|
3,697 |
|
|
|
142 |
|
Residential real estate
|
|
|
2,067 |
|
|
|
713 |
|
|
|
1,175 |
|
|
|
1,888 |
|
|
|
209 |
|
|
|
1,477 |
|
|
|
47 |
|
Construction & land development
|
|
|
— |
|
|
|
— |
|
|
|
— |
|
|
|
— |
|
|
|
— |
|
|
|
— |
|
|
|
— |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Total impaired loans
|
|
$ |
12,909 |
|
|
$ |
1,145 |
|
|
$ |
11,032 |
|
|
$ |
12,177 |
|
|
$ |
877 |
|
|
$ |
11,330 |
|
|
$ |
435 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
December 31, 2013
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Commercial
|
|
$ |
5,595 |
|
|
$ |
7 |
|
|
$ |
5,580 |
|
|
$ |
5,587 |
|
|
$ |
241 |
|
|
$ |
4,185 |
|
|
$ |
182 |
|
Commercial real estate
|
|
|
3,540 |
|
|
|
563 |
|
|
|
2,658 |
|
|
|
3,221 |
|
|
|
331 |
|
|
|
3,650 |
|
|
|
163 |
|
Residential real estate
|
|
|
2,001 |
|
|
|
337 |
|
|
|
1,510 |
|
|
|
1,847 |
|
|
|
212 |
|
|
|
1,315 |
|
|
|
41 |
|
Construction & land development
|
|
|
— |
|
|
|
— |
|
|
|
— |
|
|
|
— |
|
|
|
— |
|
|
|
21 |
|
|
|
2 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Total impaired loans
|
|
$ |
11,136 |
|
|
$ |
907 |
|
|
$ |
9,748 |
|
|
$ |
10,655 |
|
|
$ |
784 |
|
|
$ |
9,171 |
|
|
$ |
388 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Schedule of Aging of Past Due and Nonaccrual Loans |
The following table presents the aging of past due loans and
nonaccrual loans as of March 31, 2014 and December 31,
2013 by class of loans:
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
(Dollars in thousands)
|
|
Current |
|
|
30 - 59
Days Past
Due |
|
|
60 - 89
Days Past
Due |
|
|
90 Days +
Past Due |
|
|
Non-
Accrual |
|
|
Total Past
Due and
Non-
Accrual |
|
|
Total
Loans |
|
March 31, 2014
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Commercial
|
|
$ |
129,874 |
|
|
$ |
35 |
|
|
$ |
4 |
|
|
$ |
1 |
|
|
$ |
2,226 |
|
|
$ |
2,266 |
|
|
$ |
132,140 |
|
Commercial real estate
|
|
|
140,123 |
|
|
|
470 |
|
|
|
— |
|
|
|
— |
|
|
|
1,636 |
|
|
|
2,106 |
|
|
|
142,229 |
|
Residential real estate
|
|
|
113,351 |
|
|
|
426 |
|
|
|
63 |
|
|
|
36 |
|
|
|
1,040 |
|
|
|
1,565 |
|
|
|
114,916 |
|
Construction & land development
|
|
|
11,015 |
|
|
|
— |
|
|
|
— |
|
|
|
350 |
|
|
|
— |
|
|
|
350 |
|
|
|
11,365 |
|
Consumer
|
|
|
6,720 |
|
|
|
67 |
|
|
|
52 |
|
|
|
2 |
|
|
|
— |
|
|
|
121 |
|
|
|
6,841 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Total Loans
|
|
$ |
401,083 |
|
|
$ |
998 |
|
|
$ |
119 |
|
|
$ |
389 |
|
|
$ |
4,902 |
|
|
$ |
6,408 |
|
|
$ |
407,491 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
December 31, 2013
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Commercial
|
|
$ |
117,342 |
|
|
$ |
15 |
|
|
$ |
37 |
|
|
$ |
— |
|
|
$ |
84 |
|
|
$ |
136 |
|
|
$ |
117,478 |
|
Commercial real estate
|
|
|
128,462 |
|
|
|
111 |
|
|
|
107 |
|
|
|
40 |
|
|
|
1,108 |
|
|
|
1,366 |
|
|
|
129,828 |
|
Residential real estate
|
|
|
109,274 |
|
|
|
616 |
|
|
|
467 |
|
|
|
46 |
|
|
|
1,042 |
|
|
|
2,171 |
|
|
|
111,445 |
|
Construction & land development
|
|
|
12,494 |
|
|
|
— |
|
|
|
— |
|
|
|
950 |
|
|
|
— |
|
|
|
950 |
|
|
|
13,444 |
|
Consumer
|
|
|
6,524 |
|
|
|
123 |
|
|
|
40 |
|
|
|
— |
|
|
|
— |
|
|
|
163 |
|
|
|
6,687 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Total Loans
|
|
$ |
374,096 |
|
|
$ |
865 |
|
|
$ |
651 |
|
|
$ |
1,036 |
|
|
$ |
2,234 |
|
|
$ |
4,786 |
|
|
$ |
378,882 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Summary of Troubled Debt Restructurings |
Loan modifications that are considered TDR’s completed during
the three month period ended March 31, 2014 were as
follows:
|
|
|
|
|
|
|
|
|
|
|
|
|
(Dollars in thousands)
|
|
Number of
loans
restructured |
|
|
Pre-
Modification
Recorded
Investment |
|
|
Post-
Modification
Recorded
Investment |
|
For the Three Months Ended March 31, 2014
|
|
|
|
|
|
|
|
|
|
|
|
|
Residential Real Estate
|
|
|
1 |
|
|
$ |
84 |
|
|
$ |
84 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Total Restructured Loans
|
|
|
1 |
|
|
$ |
84 |
|
|
$ |
84 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Summary of Loans by Credit Quality Indicator |
Based on the most recent analysis performed, the risk category of
loans by class is as follows as of March 31, 2014 and
December 31, 2013:
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
(Dollars in thousands)
|
|
Pass |
|
|
Special
Mention |
|
|
Substandard |
|
|
Doubtful |
|
|
Not Rated |
|
|
Total |
|
March 31, 2014
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Commercial
|
|
$ |
111,528 |
|
|
$ |
14,422 |
|
|
$ |
5,250 |
|
|
$ |
— |
|
|
$ |
940 |
|
|
$ |
132,140 |
|
Commercial real estate
|
|
|
127,895 |
|
|
|
9,186 |
|
|
|
3,785 |
|
|
|
— |
|
|
|
1,363 |
|
|
|
142,229 |
|
Residential real estate
|
|
|
233 |
|
|
|
— |
|
|
|
45 |
|
|
|
— |
|
|
|
114,638 |
|
|
|
114,916 |
|
Construction & land development
|
|
|
7,566 |
|
|
|
1,072 |
|
|
|
1,884 |
|
|
|
— |
|
|
|
843 |
|
|
|
11,365 |
|
Consumer
|
|
|
— |
|
|
|
— |
|
|
|
— |
|
|
|
— |
|
|
|
6,841 |
|
|
|
6,841 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Total
|
|
$ |
247,222 |
|
|
$ |
24,680 |
|
|
$ |
10,964 |
|
|
$ |
— |
|
|
$ |
124,625 |
|
|
$ |
407,491 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
December 31, 2013
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Commercial
|
|
$ |
101,195 |
|
|
$ |
10,352 |
|
|
$ |
5,066 |
|
|
$ |
— |
|
|
$ |
865 |
|
|
$ |
117,478 |
|
Commercial real estate
|
|
|
115,265 |
|
|
|
9,076 |
|
|
|
4,041 |
|
|
|
— |
|
|
|
1,446 |
|
|
|
129,828 |
|
Residential real estate
|
|
|
237 |
|
|
|
— |
|
|
|
47 |
|
|
|
— |
|
|
|
111,161 |
|
|
|
111,445 |
|
Construction & land development
|
|
|
9,470 |
|
|
|
587 |
|
|
|
1,884 |
|
|
|
— |
|
|
|
1,503 |
|
|
|
13,444 |
|
Consumer
|
|
|
— |
|
|
|
— |
|
|
|
— |
|
|
|
— |
|
|
|
6,687 |
|
|
|
6,687 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Total
|
|
$ |
226,167 |
|
|
$ |
20,015 |
|
|
$ |
11,038 |
|
|
$ |
— |
|
|
$ |
121,662 |
|
|
$ |
378,882 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Schedule of Loans Not Rated by Class of Loans |
The following table presents loans that are not rated by class of
loans as of March 31, 2014 and December 31, 2013.
|
|
|
|
|
|
|
|
|
|
|
|
|
(Dollars in thousands)
|
|
Performing |
|
|
Non-Performing |
|
|
Total |
|
March 31, 2014
|
|
|
|
|
|
|
|
|
|
|
|
|
Commercial
|
|
$ |
939 |
|
|
$ |
1 |
|
|
$ |
940 |
|
Commercial real estate
|
|
|
1,363 |
|
|
|
— |
|
|
|
1,363 |
|
Residential real estate
|
|
|
113,607 |
|
|
|
1,031 |
|
|
|
114,638 |
|
Construction & land development
|
|
|
843 |
|
|
|
— |
|
|
|
843 |
|
Consumer
|
|
|
6,839 |
|
|
|
2 |
|
|
|
6,841 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Total
|
|
$ |
123,591 |
|
|
$ |
1,034 |
|
|
$ |
124,625 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
December 31, 2013
|
|
|
|
|
|
|
|
|
|
|
|
|
Commercial
|
|
$ |
865 |
|
|
$ |
— |
|
|
$ |
865 |
|
Commercial real estate
|
|
|
1,446 |
|
|
|
— |
|
|
|
1,446 |
|
Residential real estate
|
|
|
110,119 |
|
|
|
1,042 |
|
|
|
111,161 |
|
Construction & land development
|
|
|
1,503 |
|
|
|
— |
|
|
|
1,503 |
|
Consumer
|
|
|
6,687 |
|
|
|
— |
|
|
|
6,687 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Total
|
|
$ |
120,620 |
|
|
$ |
1,042 |
|
|
$ |
121,662 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|