Allowance for Loan Losses (Tables)

6 Months Ended

Jun. 30, 2012

Allowance for Loan Losses

Summary of allocation of the allowance as well as the activity in the allowance attributed to various segments in the loan portfolio

	Multi- family			Commercial non-owner occupied			One-to-four family			Construction			Land			Commercial owner occupied			Commercial and industrial			Warehouse			SBA			Other loans			Total
	(dollars in thousands)
Balance, December 31, 2011	$	2,281		$	1,287		$	931		$	—		$	39		$	1,119		$	1,361		$	1,347		$	80		$	77		$	8,522
Charge-offs	—			(88		)	(305		)	—			—			(265		)	(191		)	—			(109		)	(1		)	(959		)
Recoveries	—			—			5			—			—			—			2			—			77			11			95
Provisions for (reduction in) loan losses	3			468			(328		)	—			(39		)	222			78			(439		)	103			(68		)	—
Balance, June 30, 2012	$	2,284		$	1,667		$	303		$	—		$	—		$	1,076		$	1,250		$	908		$	151		$	19		$	7,658
Amount of allowance attributed to:
Specifically evaluated impaired loans	$	—		$	—		$	—		$	—		$	—		$	—		$	—		$	—		$	—		$	—		$	—
General portfolio allocation	$	2,284		$	1,667		$	303		$	—		$	—		$	1,076		$	1,250		$	908		$	151		$	19		$	7,658
Loans individually evaluated for impairment	$	1,404		$	2,095		$	667		$	—		$	—		$	478		$	—		$	—		$	549		$	—		$	5,193
Specific reserves to total loans individually evaluated for impairment	0.00		%	0.00		%	0.00		%	0.00		%	0.00		%	0.00		%	0.00		%	0.00		%	0.00		%	0.00		%	0.00		%
Loans collectively evaluated for impairment	$	182,338		$	240,605		$	56,027		$	281		$	11,191		$	149,950		$	84,191		$	61,111		$	3,446		$	4,019		$	793,159
General reserves to total loans collectively evaluated for impairment	1.25		%	0.69		%	0.54		%	0.00		%	0.00		%	0.72		%	1.48		%	1.49		%	4.38		%	0.47		%	0.97		%
Total gross loans	$	183,742		$	242,700		$	56,694		$	281		$	11,191		$	150,428		$	84,191		$	61,111		$	3,995		$	4,019		$	798,352
Total allowance to gross loans	1.24		%	0.69		%	0.53		%	0.00		%	0.00		%	0.72		%	1.48		%	1.49		%	3.78		%	0.47		%	0.96		%

	Multi- family			Commercial non-owner occupied			One-to-four family			Land			Commercial owner occupied			Commercial and industrial			Warehouse			SBA			Other loans			Total
	(dollars in thousands)
Balance, December 31, 2010	$	2,730		$	1,580		$	332		$	—		$	1,687		$	2,356		$	—		$	145		$	49		$	8,879
Charge-offs	(321		)	—			(274		)	(161		)	(98		)	(712		)	—			(52		)	(55		)	(1,673		)
Recoveries	—			—			1			—			—			—			—			5			5			11
Provisions for (reduction in) loan losses	47			(90		)	265			161			(53		)	315			602			(1		)	54			1,300
Balance, June 30, 2011	$	2,456		$	1,490		$	324		$	—		$	1,536		$	1,959		$	602		$	97		$	53		$	8,517
Amount of allowance attributed to:
Specifically evaluated impaired loans	$	—		$	44		$	—		$	—		$	—		$	—		$	—		$	—		$	—		$	44
General portfolio allocation	$	2,456		$	1,446		$	324		$	—		$	1,536		$	1,959		$	602		$	97		$	53		$	8,473
Loans individually evaluated for impairment	$	4,149		$	3,427		$	1,567		$	2,523		$	5,124		$	2,143		$	—		$	930		$	22		$	19,885
Specific reserves to total loans individually evaluated for impairment	0.00		%	1.28		%	0.00		%	0.00		%	0.00		%	0.00		%	0.00		%	0.00		%	0.00		%	0.22		%
Loans collectively evaluated for impairment	$	227,455		$	151,992		$	62,983		$	6,229		$	142,062		$	68,601		$	21,758		$	3,752		$	6,475		$	691,307
General reserves to total loans collectively evaluated for impairment	1.08		%	0.95		%	0.51		%	0.00		%	1.08		%	2.86		%	2.77		%	2.59		%	0.82		%	1.23		%
Total gross loans	$	231,604		$	155,419		$	64,550		$	8,752		$	147,186		$	70,744		$	21,758		$	4,682		$	6,497		$	711,192
Total allowance to gross loans	1.06		%	0.96		%	0.50		%	0.00		%	1.04		%	2.77		%	2.77		%	2.07		%	0.82		%	1.20		%