Allowance for Loan Losses (Tables)

12 Months Ended

Dec. 31, 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			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		)	(371		)	(145		)	(265		)	(512		)	—			(132		)	(2		)	(1,515		)
Recoveries	—			21			8			—			—			2			—			163			42			236
Provisions for (reduction in) loan losses	(1,136		)	239			294			137			658			459			197			(32		)	(65		)	751
Balance, December 31, 2012	$	1,145		$	1,459		$	862		$	31		$	1,512		$	1,310		$	1,544		$	79		$	52		$	7,994
Amount of allowance attributed to:
Specifically evaluated impaired loans	$	—		$	—		$	395		$	—		$	—		$	270		$	—		$	—		$	—		$	665
General portfolio allocation	1,145			1,459			467			31			1,512			1,040			1,544			79			52			7,329
Loans individually evaluated for impairment	266			670			948			—			—			593			—			259			—			2,736
Specific reserves to total loans individually evaluated for impairment	0.00		%	0.00		%	41.67		%	0.00		%	0.00		%	45.53		%	0.00		%	0.00		%	0.00		%	24.31		%
Loans collectively evaluated for impairment	$	156,158		$	252,739		$	96,515		$	8,774		$	150,934		$	114,761		$	195,761		$	6,623		$	1,193		$	983,458
General reserves to total loans collectively evaluated for impairment	0.73		%	0.58		%	0.48		%	0.35		%	1.00		%	0.91		%	0.79		%	1.19		%	4.36		%	0.75		%
Total gross loans	$	156,424		$	253,409		$	97,463		$	8,774		$	150,934		$	115,354		$	195,761		$	6,882		$	1,193		$	986,194
Total allowance to gross loans	0.73		%	0.58		%	0.88		%	0.35		%	1.00		%	1.14		%	0.79		%	1.15		%	4.36		%	0.81		%
	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	$	2,729		$	1,580		$	332		$	—		$	1,687		$	2,018		$	338		$	145		$	50		$	8,879
Charge-offs	(489		)	(43		)	(1,408		)	(164		)	(307		)	(1,285		)	—			(90		)	(228		)	(4,014		)
Recoveries	—			—			142			23			—			9			—			211			17			402
Provisions for (reduction in) loan losses	41			(250		)	1,865			180			(261		)	619			1,009			(186		)	238			3,255
Balance, December 31, 2011	$	2,281		$	1,287		$	931		$	39		$	1,119		$	1,361		$	1,347		$	80		$	77		$	8,522
Amount of allowance attributed to:
Specifically evaluated impaired loans	$	—		$	—		$	—		$	—		$	—		$	—		$	—		$	—		$	—		$	—
General portfolio allocation	$	2,281		$	1,287		$	931		$	39		$	1,119		$	1,361		$	1,347		$	80		$	77		$	8,522
Loans individually evaluated for impairment	$	1,423		$	1,495		$	521		$	—		$	1,641		$	1,138		$	—		$	773		$	—		$	6,991
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		%
Loans collectively evaluated for impairment	$	192,407		$	162,846		$	59,506		$	6,438		$	150,658		$	85,546		$	67,518		$	3,954		$	3,390		$	732,263
General reserves to total loans collectively evaluated for impairment	1.19		%	0.79		%	1.56		%	0.61		%	0.74		%	1.59		%	2.00		%	2.02		%	2.27		%	1.16		%
Total gross loans	$	193,830		$	164,341		$	60,027		$	6,438		$	152,299		$	86,684		$	67,518		$	4,727		$	3,390		$	739,254
Total allowance to gross loans	1.18		%	0.78		%	1.55		%	0.61		%	0.73		%	1.57		%	2.00		%	1.69		%	2.27		%	1.15		%