XML 78 R28.htm IDEA: XBRL DOCUMENT v2.4.0.8
Loans (Tables)
 6 Months Ended
Jun. 30, 2013
Loans [Abstract]  
Recorded investment in loans by portfolio segment

 

 

 

 

 

 

 

 

 

 

 

 

 

June 30,

 

December 31,

 

2013

 

2012

 

 

 

 

 

 

Commercial

$
27,611 

 

$
25,408 

Real estate:

 

 

 

 

 

Single-family residential

 
55,123 

 

 
43,058 

Multi-family residential

 
24,501 

 

 
21,576 

Commercial

 
62,242 

 

 
54,291 

Construction

 
1,701 

 

 
14 

Consumer:

 

 

 

 

 

Home equity lines of credit

 
13,809 

 

 
12,963 

Other

 
955 

 

 
970 

Subtotal

 
185,942 

 

 
158,280 

Less: ALLL

 
(6,065)

 

 
(5,237)

 

 

 

 

 

 

Loans, net

$
179,877 

 

$
153,043 

 

Activity in ALLL by portfolio segment

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Three months ended June 30, 2013

 

 

 

 

Real Estate

 

 

 

 

Consumer

 

 

 

 

 

 

Single-

 

Multi-

 

 

 

 

 

Home Equity

 

 

 

 

 

Commercial

 

family

 

family

 

Commercial

 

Construction

 

lines of credit

 

Other

 

Total

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Beginning balance

$
1,409 

 

$
239 

 

$
1,604 

 

$
2,197 

 

$
1 

 

$
220 

 

$
12 

 

$
5,682 

Addition to (reduction in)
provision for loan losses

 
31 

 

 
128 

 

 
69 

 

 
(44)

 

 
18 

 

 
125 

 

 
(3)

 

 
324 

Charge-offs

 

-  

 

 

-  

 

 

-  

 

 

-  

 

 

-  

 

 
(17)

 

 

-  

 

 
(17)

Recoveries

 
9 

 

 
1 

 

 
57 

 

 
4 

 

 

-  

 

 
3 

 

 
2 

 

 
76 

Ending balance

$
1,449 

 

$
368 

 

$
1,730 

 

$
2,157 

 

$
19 

 

$
331 

 

$
11 

 

$
6,065 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Six months ended June 30, 2013

 

 

 

 

Real Estate

 

 

 

 

Consumer

 

 

 

 

 

 

Single-

 

Multi-

 

 

 

 

 

Home Equity

 

 

 

 

 

Commercial

 

family

 

family

 

Commercial

 

Construction

 

lines of credit

 

Other

 

Total

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Beginning balance

$
1,311 

 

$
332 

 

$
1,396 

 

$
1,946 

 

$

-  

 

$
241 

 

$
11 

 

$
5,237 

Addition to (reduction in)
provision for loan losses

 
112 

 

 
34 

 

 
248 

 

 
153 

 

 
19 

 

 
102 

 

 
(18)

 

 
650 

Charge-offs

 

-  

 

 

-  

 

 

-  

 

 

-  

 

 

-  

 

 
(17)

 

 

-  

 

 
(17)

Recoveries

 
26 

 

 
2 

 

 
86 

 

 
58 

 

 

-  

 

 
5 

 

 
18 

 

 
195 

Ending balance

$
1,449 

 

$
368 

 

$
1,730 

 

$
2,157 

 

$
19 

 

$
331 

 

$
11 

 

$
6,065 

 

 

 

The following tables present the activity in the ALLL by portfolio segment for the three and six months ended June 30, 2012:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Three months ended June 30, 2012

 

 

 

 

Real Estate

 

 

 

 

Consumer

 

 

 

 

 

 

Single-

 

Multi-

 

 

 

 

 

Home Equity

 

 

 

 

 

Commercial

 

family

 

family

 

Commercial

 

Construction

 

lines of credit

 

Other

 

Total

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Beginning balance

$
1,802 

 

$
190 

 

$
1,446 

 

$
1,912 

 

$

-  

 

$
274 

 

$
17 

 

$
5,641 

Addition to (reduction in)
provision for loan losses

 
(589)

 

 
58 

 

 
(58)

 

 
712 

 

 

-  

 

 
45 

 

 
32 

 

 
200 

Charge-offs

 
(84)

 

 
(7)

 

 
(18)

 

 
(496)

 

 

-  

 

 
(40)

 

 
(34)

 

 
(679)

Recoveries

 
248 

 

 
4 

 

 

-  

 

 
2 

 

 

-  

 

 
7 

 

 
2 

 

 
263 

Reclass of ALLL on loan -related commitments (1)

 
9 

 

 

-  

 

 

-  

 

 

-  

 

 

-  

 

 

-  

 

 

-  

 

 
9 

Ending balance

$
1,386 

 

$
245 

 

$
1,370 

 

$
2,130 

 

$

-  

 

$
286 

 

$
17 

 

$
5,434 

 

Balance in ALLL and recorded investment in loans by portfolio segment and based on impairment method

 

 

The following table presents the balance in the ALLL and the recorded investment in loans by portfolio segment and based on the impairment method as of June 30, 2013:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Real Estate

 

 

 

 

Consumer

 

 

 

 

 

Commercial

 

Single-
family

 

Multi-
family

 

Commercial

 

Construction

 

Home Equity
lines of credit

 

Other

 

Total

ALLL:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Ending allowance balance attributable to loans:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Individually evaluated for impairment

 

$
632 

 

$
111 

 

$
673 

 

$
143 

 

$

-  

 

$

-  

 

$

-  

 

$
1,559 

Collectively evaluated for impairment

 

 
817 

 

 
257 

 

 
1,057 

 

 
2,014 

 

 
19 

 

 
331 

 

 
11 

 

 
4,506 

Total ending allowance balance

 

$
1,449 

 

$
368 

 

$
1,730 

 

$
2,157 

 

$
19 

 

$
331 

 

$
11 

 

$
6,065 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Loans:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Individually evaluated for impairment

 

$
1,092 

 

$
479 

 

$
2,068 

 

$
5,610 

 

$

-  

 

$

-  

 

$

-  

 

$
9,249 

Collectively evaluated for impairment

 

 
26,519 

 

 
54,644 

 

 
22,433 

 

 
56,632 

 

 
1,701 

 

 
13,809 

 

 
955 

 

 
176,693 

Total ending loan balance

 

$
27,611 

 

$
55,123 

 

$
24,501 

 

$
62,242 

 

$
1,701 

 

$
13,809 

 

$
955 

 

$
185,942 

 

The following table presents the balance in the ALLL and the recorded investment in loans by portfolio segment and based on the impairment method as of December 31, 2012: 

Individually evaluated for impairment by class of loans

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Real Estate

 

 

 

 

Consumer

 

 

 

 

 

Commercial

 

Single-
family

 

Multi-
family

 

Commercial

 

Construction

 

Home Equity
lines of credit

 

Other

 

Total

ALLL:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Ending allowance balance attributable to loans:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Individually evaluated for impairment

 

$
609 

 

$
71 

 

$
24 

 

$
126 

 

$

-  

 

$

-  

 

$

-  

 

$
830 

Collectively evaluated for impairment

 

 
702 

 

 
261 

 

 
1,372 

 

 
1,820 

 

 

-  

 

 
241 

 

 
11 

 

 
4,407 

Total ending allowance balance

 

$
1,311 

 

$
332 

 

$
1,396 

 

$
1,946 

 

$

-  

 

$
241 

 

$
11 

 

$
5,237 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Loans:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Individually evaluated for impairment

 

 
1,091 

 

 
129 

 

 
2,167 

 

 
6,467 

 

 

-  

 

 

-  

 

 

-  

 

 
9,854 

Collectively evaluated for impairment

 

 
24,317 

 

 
42,929 

 

 
19,409 

 

 
47,824 

 

 
14 

 

 
12,963 

 

 
970 

 

 
148,426 

Total ending loan balance

 

$
25,408 

 

$
43,058 

 

$
21,576 

 

$
54,291 

 

$
14 

 

$
12,963 

 

$
970 

 

$
158,280 

 

The following table presents loans individually evaluated for impairment by class of loans at June 30, 2013.  The unpaid principal balance is the contractual principal balance outstanding.  The recorded investment is the unpaid principal balance adjusted for partial charge-offs, purchase premiums and discounts, deferred loan fees and costs and includes accrued interest. The table presents accrual basis interest income recognized during the three and six months ended June 30, 2013.  Cash payments of interest during the three and six months ended June 30, 2013 totaled $57 and $114, respectively.

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

As of June 30, 2013

 

Three months ended June 30, 2013

 

Six  months ended June 30, 2013

 

Unpaid Principal Balance

 

Recorded Investment

 

ALLL Allocated

 

Average Recorded Investment

 

Interest Income Recognized

 

Average Recorded Investment

 

Interest Income Recognized

With no related allowance recorded:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Commercial

$
135 

 

$
121 

 

$

-  

 

$
165 

 

$

-  

 

$
169 

 

$

-  

Real estate:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Single-family residential

 

-  

 

 

-  

 

 

-  

 

 

-  

 

 

-  

 

 

-  

 

 

-  

Multi-family residential

 
185 

 

 
185 

 

 

-  

 

 
188 

 

 

-  

 

 
192 

 

 

-  

Commercial:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Non-owner occupied

 
2,172 

 

 
1,505 

 

 

-  

 

 
1,510 

 

 

-  

 

 
1,913 

 

 

-  

Owner occupied

 
2,110 

 

 
1,159 

 

 

-  

 

 
1,174 

 

 

-  

 

 
1,197 

 

 

-  

Land

 

-  

 

 

-  

 

 

-  

 

 

-  

 

 

-  

 

 

-  

 

 

-  

Construction

 

-  

 

 

-  

 

 

-  

 

 

-  

 

 

-  

 

 

-  

 

 

-  

Consumer:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Home equity lines of credit:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Originated for portfolio

 

-  

 

 

-  

 

 

-  

 

 

-  

 

 

-  

 

 

-  

 

 

-  

Purchased for portfolio

 

-  

 

 

-  

 

 

-  

 

 

-  

 

 

-  

 

 

-  

 

 

-  

Other

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

-  

 

 

-  

Total with no allowance recorded

 
4,602 

 

 
2,970 

 

 

-  

 

 
3,037 

 

 

-  

 

 
3,471 

 

 

-  

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

With an allowance recorded:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Commercial

 
971 

 

 
971 

 

 
632 

 

 
849 

 

 
5 

 

 
866 

 

 
11 

Real estate:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Single-family residential

 
479 

 

 
479 

 

 
111 

 

 
127 

 

 
3 

 

 
127 

 

 
5 

Multi-family residential

 
2,005 

 

 
1,883 

 

 
673 

 

 
1,900 

 

 
1 

 

 
1,922 

 

 
2 

Commercial:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Non-owner occupied

 
2,186 

 

 
2,187 

 

 
124 

 

 
2,191 

 

 
34 

 

 
2,211 

 

 
69 

Owner occupied

 
388 

 

 
388 

 

 
7 

 

 
390 

 

 
6 

 

 
392 

 

 
12 

Land

 
416 

 

 
371 

 

 
12 

 

 
377 

 

 
6 

 

 
381 

 

 
11 

Construction

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Consumer:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Home equity lines of credit:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Originated for portfolio

 

-  

 

 

-  

 

 

-  

 

 

-  

 

 

-  

 

 

-  

 

 

 

Purchased for portfolio

 

-  

 

 

-  

 

 

-  

 

 

-  

 

 

-  

 

 

-  

 

 

 

Other

 

-  

 

 

-  

 

 

-  

 

 

-  

 

 

-  

 

 

-  

 

 

 

Total with an allowance recorded

 
6,445 

 

 
6,279 

 

 
1,559 

 

 
5,834 

 

 
55 

 

 
5,899 

 

 
110 

Total

$
11,047 

 

$
9,249 

 

$
1,559 

 

$
8,871 

 

$
55 

 

$
9,370 

 

$
110 

 

 

The following table presents loans individually evaluated for impairment by class of loans at December 31, 2012.  The unpaid principal balance is the contractual principal balance outstanding.  The recorded investment is the unpaid principal balance adjusted for partial charge-offs, purchase premiums and discounts, deferred loan fees and costs and includes accrued interest. The table presents accrual basis interest income recognized during the three and six months ended June 30, 2012.  Cash payments of interest during the three and six months ended June 30, 2012 totaled $50 and $118, respectively

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

As of December 31, 2012

 

Three months ended June 30, 2012

 

Six  months ended June 30, 2012

 

Unpaid Principal Balance

 

Recorded Investment

 

ALLL Allocated

 

Average Recorded Investment

 

Interest Income Recognized

 

Average Recorded Investment

 

Interest Income Recognized

With no related allowance recorded:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Commercial

$
136 

 

$
121 

 

$

-  

 

$
133 

 

$

-  

 

$
89 

 

$

-  

Real estate:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Single-family residential

 

-  

 

 

-  

 

 

-  

 

 

-  

 

 

-  

 

 

-  

 

 

-  

Multi-family residential

 
2,001 

 

 
1,879 

 

 

-  

 

 
3,955 

 

 
29 

 

 
4,099 

 

 
39 

Commercial:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Non-owner occupied

 
3,000 

 

 
2,195 

 

 

-  

 

 
1,909 

 

 

-  

 

 
1,571 

 

 

-  

Owner occupied

 
2,195 

 

 
1,244 

 

 

-  

 

 
413 

 

 

-  

 

 
422 

 

 

-  

Land

 

-  

 

 

-  

 

 

-  

 

 

-  

 

 

-  

 

 

-  

 

 

-  

Consumer:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Home equity lines of credit:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Originated for portfolio

 

-  

 

 

-  

 

 

-  

 

 

-  

 

 

-  

 

 

-  

 

 

-  

Purchased for portfolio

 

-  

 

 

-  

 

 

-  

 

 

-  

 

 

-  

 

 

-  

 

 

-  

Other

 

-  

 

 

-  

 

 

-  

 

 

-  

 

 

-  

 

 

-  

 

 

-  

Total with no allowance recorded

 
7,332 

 

 
5,439 

 

 

-  

 

 
6,410 

 

 
29 

 

 
6,181 

 

 
39 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

With an allowance recorded:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Commercial

 
970 

 

 
970 

 

 
609 

 

 
679 

 

 
9 

 

 
687 

 

 
22 

Real estate:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Single-family residential

 
129 

 

 
129 

 

 
71 

 

 
131 

 

 

-  

 

 
111 

 

 

-  

Multi-family residential

 
288 

 

 
288 

 

 
24 

 

 
90 

 

 
2 

 

 
91 

 

 
3 

Commercial:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Non-owner occupied

 
2,239 

 

 
2,239 

 

 
105 

 

 
2,411 

 

 
36 

 

 
2,404 

 

 
87 

Owner occupied

 
396 

 

 
396 

 

 
7 

 

 
406 

 

 
6 

 

 
407 

 

 
12 

Land

 
438 

 

 
393 

 

 
14 

 

 
438 

 

 
6 

 

 
461 

 

 
13 

Consumer:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Home equity lines of credit:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Originated for portfolio

 

-  

 

 

-  

 

 

-  

 

 

-  

 

 

-  

 

 

-  

 

 

-  

Purchased for portfolio

 

-  

 

 

-  

 

 

-  

 

 

-  

 

 

-  

 

 

-  

 

 

-  

Other

 

-  

 

 

-  

 

 

-  

 

 

-  

 

 

-  

 

 

-  

 

 

-  

Total with an allowance recorded

 
4,460 

 

 
4,415 

 

 
830 

 

 
4,155 

 

 
59 

 

 
4,161 

 

 
137 

Total

$
11,792 

 

$
9,854 

 

$
830 

 

$
10,565 

 

$
88 

 

$
10,342 

 

$
176 

 

Recorded investment in nonaccrual loans by class of loans

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

June 30,

 

December 31,

 

 

2013

 

2012

Nonaccrual loans:

 

 

 

 

 

 

Commercial

 

$
599 

 

$
714 

Real estate:

 

 

 

 

 

 

Single-family residential

 

 
171 

 

 
113 

Multi-family residential

 

 
2,006 

 

 
2,082 

Commercial:

 

 

 

 

 

 

Non-owner occupied

 

 
1,505 

 

 
2,195 

Owner occupied

 

 
1,159 

 

 
1,243 

Consumer:

 

 

 

 

 

 

Home equity lines of credit:

 

 

 

 

 

 

Originated for portfolio

 

 

-  

 

 

-  

Purchased for portfolio

 

 

-  

 

 
9 

Total nonaccrual and nonperforming loans

 

$
5,440 

 

$
6,356 

 

Aging of recorded investment in past due loans by class of loans

 

The following table presents the aging of the recorded investment in past due loans by class of loans as of June 30, 2013:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

30 - 59 Days Past Due

 

60 - 89 Days Past Due

 

Greater than 90 Days Past Due

 

Total Past Due

 

Loans Not Past Due

 

Nonaccrual Loans Not > 90 days Past Due

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Commercial

$

-  

 

$

-  

 

$
121 

 

$
121 

 

$
27,490 

 

$
478 

Real estate:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Single-family residential

 
1,059 

 

 
110 

 

 
149 

 

 
1,318 

 

 
53,805 

 

 
22 

Multi-family residential

 

-  

 

 

-  

 

 

-  

 

 

-  

 

 
24,501 

 

 
2,006 

Commercial:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Non-owner occupied

 

-  

 

 

-  

 

 
949 

 

 
949 

 

 
31,614 

 

 
556 

Owner occupied

 

-  

 

 

-  

 

 

-  

 

 

-  

 

 
24,807 

 

 
1,159 

Land

 

-  

 

 

-  

 

 

-  

 

 

-  

 

 
4,872 

 

 

-  

Construction

 

-  

 

 

-  

 

 

-  

 

 

-  

 

 
1,701 

 

 

-  

Consumer:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Home equity lines of credit:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Originated for portfolio

 

 

 

 
61 

 

 

-  

 

 
61 

 

 
11,822 

 

 

-  

Purchased for portfolio

 
126 

 

 

-  

 

 

-  

 

 
126 

 

 
1,800 

 

 

-  

Other

 
3 

 

 

-  

 

 

-  

 

 
3 

 

 
952 

 

 

-  

Total

$
1,188 

 

$
171 

 

$
1,219 

 

$
2,578 

 

$
183,364 

 

$
4,221 

 

 

The following table presents the aging of the recorded investment in past due loans by class of loans as of December 31, 2012: 

 

 

Schedule of Debtor Troubled Debt Restructuring, Subsequent Periods

 

 

 

 

 

 

 

 

 

 

 

 

 

June 30,

 

December 31,

 

2013

 

2012

Commercial

$
478 

 

$
528 

Real estate:

 

 

 

 

 

Multi-family residential

 
2,006 

 

 
2,082 

Commercial:

 

 

 

 

 

Non-owner occupied

 

-  

 

 
388 

Owner occupied

 
265 

 

 
288 

Total

$
2,749 

 

$
3,286 

 

Financing Receivable Credit Quality Indicators

The recorded investment in loans by risk category and by class of loans as of June 30, 2013 and based on the most recent analysis performed follows.  There were no loans rated doubtful at June 30, 2013 and December 31, 2012. 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Not Rated

 

Pass

 

Special Mention

 

Substandard

 

Total

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Commercial

$
250 

 

$
22,952 

 

$
3,150 

 

$
1,259 

 

$
27,611 

Real estate:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

   Single-family residential

 
54,904 

 

 

-  

 

 

-  

 

 
219 

 

 
55,123 

   Multi-family residential

 

-  

 

 
19,202 

 

 
2,449 

 

 
2,850 

 

 
24,501 

   Commercial:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

       Non-owner occupied

 
176 

 

 
25,341 

 

 
2,354 

 

 
4,692 

 

 
32,563 

       Owner occupied

 

-  

 

 
21,414 

 

 
597 

 

 
2,796 

 

 
24,807 

       Land

 
112 

 

 
1,363 

 

 
433 

 

 
2,964 

 

 
4,872 

   Construction

 

-  

 

 
1,701 

 

 

-  

 

 

-  

 

 
1,701 

Consumer:

 

 

 

 

 

 

 

 

 

 

 

 

 

-  

   Home equity lines of credit:

 

 

 

 

 

 

 

 

 

 

 

 

 

-  

       Originated for portfolio

 
11,781 

 

 

-  

 

 

-  

 

 
102 

 

 
11,883 

       Purchased for portfolio

 
1,501 

 

 

-  

 

 
425 

 

 

-  

 

 
1,926 

   Other

 
955 

 

 

-  

 

 

-  

 

 

-  

 

 
955 

 

$
69,679 

 

$
91,973 

 

$
9,408 

 

$
14,882 

 

$
185,942 

 

The recorded investment in loans by risk category and by class of loans as of December 31, 2012 follows. 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Not Rated

 

Pass

 

Special Mention

 

Substandard

 

Total

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Commercial

$
285 

 

$
21,013 

 

$
2,637 

 

$
1,473 

 

$
25,408 

Real estate:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

   Single-family residential

 
42,945 

 

 

-  

 

 

-  

 

 
113 

 

 
43,058 

   Multi-family residential

 

-  

 

 
12,846 

 

 
5,790 

 

 
2,939 

 

 
21,575 

   Commercial:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

       Non-owner occupied

 
322 

 

 
21,147 

 

 
2,995 

 

 
5,486 

 

 
29,950 

       Owner occupied

 

-  

 

 
16,385 

 

 
762 

 

 
2,627 

 

 
19,774 

       Land

 
119 

 

 
987 

 

 
434 

 

 
3,028 

 

 
4,568 

   Construction

 

-  

 

 
14 

 

 

-  

 

 

-  

 

 
14 

Consumer:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

   Home equity lines of credit:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

       Originated for portfolio

 
10,719 

 

 

-  

 

 

-  

 

 

-  

 

 
10,719 

       Purchased for portfolio

 
1,800 

 

 

-  

 

 
435 

 

 
9 

 

 
2,244 

   Other

 
970 

 

 

-  

 

 

-  

 

 

-  

 

 
970 

 

$
57,160 

 

$
72,392 

 

$
13,053 

 

$
15,675 

 

$
158,280