Loans Held for Investment (Tables)

12 Months Ended

Dec. 31, 2013

	2013			2012
	(in thousands)
Business loans:
Commercial and industrial	$	187,035		$	115,354
Commercial owner occupied	221,089			150,934
SBA	10,659			6,882
Warehouse facilities	87,517			195,761
Real estate loans:
Commercial non-owner occupied	333,544			253,409
Multi-family	233,689			156,424
One-to-four family	145,235			97,463
Construction	13,040			—
Land	7,605			8,774
Other loans	3,839			1,193
Total gross loans	1,243,252			986,194
Plus (less):
Loans held for sale	(3,147		)	(3,681		)
Deferred loan origination fees-net	18			(306		)
Allowance for estimated loan losses	(8,200		)	(7,994		)
Loans held for investment, net	$	1,231,923		$	974,213

	For the Years Ended December 31,
	2013		2012		2011
	(in thousands)
Business loans:
Commercial and industrial	$	80	$	308	$	117
Commercial owner occupied	870		1,221		1,930
Real estate loans:
Commercial non-owner occupied	1,009		2,447		3,297
One-to-four family	18		30		1,092
Land	—		2,313		52
Total purchase credit impaired	$	1,977	$	6,319	$	6,488

	For the Years Ended December 31,
	2013			2012			2011
	(in thousands)

Balance at the beginning of period	$	2,276		$	3,248		$	—
Accretable yield at acquisition	—			3,908			4,692
Accretion	(557		)	(4,846		)	(521		)
Disposals and other	(648		)	(66		)	(1,464		)
Change in accretable yield	605			32			541
Balance at the end of period	$	1,676		$	2,276		$	3,248

					Impaired Loans
	Recorded Investment		Unpaid Principal Balance		With Specific Allowance		Without Specific Allowance		Specific Allowance for Impaired Loans		Average Recorded Investment		Interest Income Recognized
	(in thousands)
December 31, 2013

Business loans:
Commercial and industrial	$	—	$	—	$	—	$	—	$	—	$	255	$	17
Commercial owner occupied	747		872		—		747		—		177		66
SBA	14		246		—		14		—		70		28
Real estate loans:
Commercial non-owner occupied	983		1,202		28		955		1		984		68
Multi-family	—		—		—		—		—		108		2
One-to-four family	683		746		278		405		104		743		44
Totals	$	2,427	$	3,066	$	306	$	2,121	$	105	$	2,337	$	225

December 31, 2012
Business loans:
Commercial and industrial	$	593	$	707	$	287	$	306	$	270	$	203	$	29
Commercial owner occupied	—		—		—		—		—		444		—
SBA	259		810		—		259		—		468		21
Real estate loans:
Commercial non-owner occupied	670		746		—		670		—		1,031		59
Multi-family	266		315		—		266		—		1,123		22
One-to-four family	948		960		541		407		395		720		59
Totals	$	2,736	$	3,538	$	828	$	1,908	$	665	$	3,989	$	190

December 31, 2011
Business loans:
Commercial and industrial	$	1,138	$	1,321	$	—	$	1,138	$	—	$	373	$	62
Commercial owner occupied	1,641		1,771		—		1,641		—		1,635		64
SBA	773		2,427		—		773		—		887		68
Real estate loans:
Commercial non-owner occupied	1,495		1,592		—		1,495		—		2,283		198
Multi-family	1,423		1,450		—		1,423		—		2,309		88
One-to-four family	521		705		—		521		—		311		47
Land	—		—		—		—		—		11		1
Other loans	—		—		—		—		—		2		—
Totals	$	6,991	$	9,266	$	—	$	6,991	$	—	$	7,811	$	528

	Credit Risk Grades
			Special				Total Gross
	Pass		Mention		Substandard		Loans
December 31, 2013	(in thousands)
Business loans:
Commercial and industrial	$	184,247	$	12	$	2,776	$	187,035
Commercial owner occupied	207,872		1,217		12,000		221,089
SBA	10,659		—		—		10,659
Warehouse facilities	87,517		—		—		87,517
Real estate loans:
Commercial non-owner occupied	329,538		352		3,654		333,544
Multi-family	232,661		511		517		233,689
One-to-four family	144,152		—		1,083		145,235
Construction	13,040		—		—		13,040
Land	7,605		—		—		7,605
Other loans	3,834		—		5		3,839
Totals	$	1,221,125	$	2,092	$	20,035	$	1,243,252

	Credit Risk Grades
			Special				Total Gross
	Pass		Mention		Substandard		Loans
December 31, 2012	(in thousands)
Business loans:
Commercial and industrial	$	111,895	$	92	$	3,367	$	115,354
Commercial owner occupied	136,330		2,674		11,930		150,934
SBA	6,819		—		63		6,882
Warehouse facilities	195,761		—		—		195,761
Real estate loans:
Commercial non-owner occupied	240,585		687		12,137		253,409
Multi-family	143,003		11,583		1,838		156,424
One-to-four family	96,061		—		1,402		97,463
Land	8,762		—		12		8,774
Other loans	1,177		—		16		1,193
Totals	$	940,393	$	15,036	$	30,765	$	986,194

			Days Past Due
											Non-
	Current		30-59		60-89		90+		Total		Accruing
December 31, 2013	(in thousands)
Business loans:
Commercial and industrial	$	187,035	$	—	$	—	$	—	$	187,035	$	—
Commercial owner occupied	219,875		768		—		446		221,089		747
SBA	10,645		—		—		14		10,659		14
Warehouse facilities	87,517		—		—		—		87,517		—
Real estate loans:
Commercial non-owner occupied	332,984		—		—		560		333,544		983
Multi-family	233,689		—		—		—		233,689		—
One-to-four family	145,041		71		—		123		145,235		507
Construction	13,040		—		—		—		13,040		—
Land	7,605		—		—		—		7,605		—
Other loans	3,709		130		—		—		3,839		—
Totals	$	1,241,140	$	969	$	—	$	1,143	$	1,243,252	$	2,251

			Days Past Due
											Non-
	Current		30-59		60-89		90+		Total		Accruing
December 31, 2012
Business loans:
Commercial and industrial	$	115,078	$	—	$	58	$	218	$	115,354	$	347
Commercial owner occupied	150,689		—		245		—		150,934		14
SBA	6,697		—		—		185		6,882		259
Warehouse facilities	195,761		—		—		—		195,761		—
Real estate loans:
Commercial non-owner occupied	253,409		—		—		—		253,409		670
Multi-family	156,424		—		—		—		156,424		266
One-to-four family	97,283		101		—		79		97,463		522
Construction	—		—		—		—		—		—
Land	8,774		—		—		—		8,774		127
Other loans	1,188		5		—		—		1,193		—
Totals	$	985,303	$	106	$	303	$	482	$	986,194	$	2,205