0001144204-12-050205.txt : 20120907 0001144204-12-050205.hdr.sgml : 20120907 20120907165236 ACCESSION NUMBER: 0001144204-12-050205 CONFORMED SUBMISSION TYPE: 10-Q/A PUBLIC DOCUMENT COUNT: 7 CONFORMED PERIOD OF REPORT: 20120630 FILED AS OF DATE: 20120907 DATE AS OF CHANGE: 20120907 FILER: COMPANY DATA: COMPANY CONFORMED NAME: Naugatuck Valley Financial Corp CENTRAL INDEX KEY: 0001493552 STANDARD INDUSTRIAL CLASSIFICATION: SAVINGS INSTITUTION, FEDERALLY CHARTERED [6035] IRS NUMBER: 010969655 FISCAL YEAR END: 1231 FILING VALUES: FORM TYPE: 10-Q/A SEC ACT: 1934 Act SEC FILE NUMBER: 000-54447 FILM NUMBER: 121080665 BUSINESS ADDRESS: STREET 1: 333 CHURCH STREET CITY: NAUGATUCK STATE: CT ZIP: 06770 BUSINESS PHONE: 203 720 50000 MAIL ADDRESS: STREET 1: 333 CHURCH STREET CITY: NAUGATUCK STATE: CT ZIP: 06770 10-Q/A 1 v321305_10qa.htm FORM 10-Q/A

UNITED STATES
SECURITIES AND EXCHANGE COMMISSION

WASHINGTON, D.C. 20549

 

FORM 10-Q/A

(Amendment No. 1)

 

xQUARTERLY REPORT PURSUANT TO SECTION 13 OR 15 (d) OF THE SECURITIES EXCHANGE ACT OF 1934

 

For the quarterly period ended June 30, 2012

 

OR

 

¨TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES AND EXCHANGE ACT OF 1934

 

For the transition period from ______________ to _____________

 

Commission file number: 0-54447

 

NAUGATUCK VALLEY FINANCIAL CORPORATION

(Exact name of registrant as specified in its charter)

 

MARYLAND   01-0969655
(State or other jurisdiction of incorporation or   (I.R.S. Employer Identification No.)
organization)    

 

333 CHURCH STREET, NAUGATUCK, CONNECTICUT   06770
(Address of principal executive offices)   (Zip Code)

 

(203) 720-5000

(Registrant’s telephone number, including area code)

 

N/A
(Former name, former address and former fiscal year, if changed since last report)

 

Indicate by check mark whether the registrant (1) has filed all reports required to be filed by Section 13 or 15(d) of the Securities Exchange Act of 1934 during the preceding 12 months (or for such shorter period that the registrant was required to file such reports), and (2) has been subject to such filing requirements for the past 90 days.

Yes x     No ¨

 

Indicate by check mark whether the registrant has submitted electronically and posted on its corporate web site, if any, every Interactive Data File required to be submitted and posted pursuant to Rule 405 of Regulation S-T (Section 232.405 of this chapter) during the preceding 12 months (or for such shorter period that the registrant was required to submit and post such files).

Yes x      No ¨

 

Indicate by check mark whether the registrant is a large accelerated filer, an accelerated filer, a non-accelerated filer, or a smaller reporting company. See the definition of “large accelerated filer,” “accelerated filer” and “smaller reporting company” in Rule 12b-2 of the Exchange Act. (Check one)

 

Large Accelerated Filer ¨ Accelerated Filer ¨
Non-Accelerated Filer ¨ Smaller Reporting Company x
(Do not check if a smaller reporting company)  

 

Indicate by check mark whether the registrant is a shell company (as defined in Rule 12b-2 of the Exchange Act).

Yes ¨      No x

 

Indicate the number of shares outstanding of each of the issuer’s classes of common stock, as of the latest practicable date.

 

As of August 6, 2012, there were 7,002,208 shares of the registrant’s common stock outstanding.

 
 

EXPLANATORY NOTE

 

The purpose of this Amendment No. 1 to the Registrant’s Quarterly Report on Form 10-Q for the quarterly period ended June 30, 2012, initially filed with the U.S. Securities and Exchange Commission on August 13, 2012 (the “Form 10-Q”), is to furnish Exhibit 101 to the Form 10-Q as required by Rule 405 of Regulation S-T. Exhibit 101 to this Amendment No. 1 to the Form 10-Q provides the following items from the Form 10-Q formatted in Extensible Business Reporting Language (“XBRL”): (i) the Consolidated Statements of Financial Condition, (ii) the Consolidated Statements of Income and Comprehensive Income, (iii) the Consolidated Statements of Changes in Stockholder’s Equity; (iv) the Consolidated Statements of Cash Flows, and (v) the Notes to Unaudited Consolidated Financial Statements.

 

This Amendment No. 1 to the Form 10-Q speaks as of the original filing date of the Form 10-Q, does not reflect events that may have occurred subsequent to the original filing date of the Form 10-Q, and does not modify or update in any way the disclosures included in the Form 10-Q.

 

PART II

 

ITEM 6.EXHIBITS

 

3.1Articles of Incorporation of Naugatuck Valley Financial Corporation (1)
3.2Bylaws of Naugatuck Valley Financial Corporation, as amended (2)
4.1Specimen Stock Certificate of Naugatuck Valley Financial Corporation (3)
31.1Rule 13a-14(a)/15d-14(a) Certification*
31.2Rule 13a-14(a)/15d-14(a) Certification*
32Section 1350 Certifications*
101The following materials from the Company’s Quarterly Report on Form 10-Q for the quarter ended June 30, 2012, formatted in XBRL (Extensible Business Reporting Language): (i) the Consolidated Statements of Financial Condition, (ii) the Consolidated Statements of Income and Comprehensive Income, (iii) the Consolidated Statements of Changes in Shareholder’s Equity; (iv) the Consolidated Statements of Cash Flows; and (v) the Notes to the Unaudited Consolidated Financial Statements. **

     
   
*Previously filed.
**Furnished, not filed.
(1)Incorporated by reference to Exhibit 3.1 to the Company’s Registration Statement on Form S-1, as amended, initially filed on June 11, 2010.
(2)Incorporated herein by reference to Exhibit 3.2 to the Company’s Registration Statement on Form S-1, as amended, initially filed on June 11, 2010.
(3)Incorporated herein by reference to Exhibit 4.0 to the Company’s Registration Statement on Form S-1, as amended, initially filed on June 11, 2010.

 

 

 

 

 

 

 

 

 

 

 

 
 

SIGNATURES

 

Pursuant to the requirements of the Securities Exchange Act of 1934, the Registrant has duly caused this report to be signed on its behalf by the undersigned thereunto duly authorized.

 

 

  NAUGATUCK VALLEY FINANCIAL CORPORATION
     
     
Dated: September 7, 2012 /s/ Lee R. Schlesinger  
  Lee R. Schlesinger  
  Senior Vice President and Chief Financial Officer  
  (Principal Financial Officer)  

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

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COMPREHENSIVE INCOME (Details) (USD $)
In Thousands, unless otherwise specified
 3 Months Ended 6 Months Ended
Jun. 30, 2012
Jun. 30, 2011
Jun. 30, 2012
Jun. 30, 2011
Net income (loss) $ (715) $ 505 $ (1,692) $ 901
Other comprehensive income:        
Unrealized gain (loss) on securities available-for-sale (76) 226 386 101
Reclassification adjustment for (gain) loss realized in net income 0 (86) 0 (86)
Other comprehensive income (loss) before tax effect (76) 140 386 15
Income tax effect related to items of other comprehensive income (loss) (8) 19 (41) (3)
Other comprehensive income (loss) net of tax effect (68) 121 427 18
Total comprehensive income (loss) $ (783) $ 626 $ (1,265) $ 919
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FAIR VALUE (Details 2) (USD $)
In Thousands, except Per Share data, unless otherwise specified
 6 Months Ended 12 Months Ended
Jun. 30, 2012
Dec. 31, 2011
Balance at beginning of period $ 7,244 $ 7,960
Increase (decrease) in fair value of securities included in accumulated other comprehensive income 507 (516)
Redemptions at par $ (300) $ (200)
Balance at end of period $ 7,451 $ 7,244
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LOANS RECEIVABLE (Details 4) (USD $)
In Thousands, unless otherwise specified
 6 Months Ended 12 Months Ended
Jun. 30, 2012
Dec. 31, 2011
Carrying Amount, impaired loans without valuation allowance $ 25,053 $ 8,624
Unpaid Principal Balance, impaired loans without valuation allowance 29,805 9,133
Related Allowance, impaired loans without valuation allowance 0 0
Average Carrying Amount, impaired loans without valuation allowance 25,660 6,127
Interest Income Recognized, impaired loans without valuation allowance 262 329
Carrying Amount, impaired loans with valuation allowance 2,717 10,803
Unpaid Principal Balance, impaired loans with valuation allowance 3,439 12,268
Average Carrying Amount, impaired loans with valuation allowance 2,958 7,419
Interest Income Recognized, impaired loans with valuation allowance 59 386
Carrying Amount, Total impaired loans 27,770 19,427
Unpaid Principal Balance, Total impaired loans 33,244 21,401
Related Allowance, Total impaired loans 305 1,072
Average Carrying Amount, Total impaired loans 28,618 13,546
Interest Income Recognized, Total impaired loans 321 715
One-to four-family [Member] | Real Estate [Member]
    
Carrying Amount, impaired loans without valuation allowance 4,621 1,360
Unpaid Principal Balance, impaired loans without valuation allowance 5,002 1,375
Related Allowance, impaired loans without valuation allowance 0 0
Average Carrying Amount, impaired loans without valuation allowance 4,784 1,368
Interest Income Recognized, impaired loans without valuation allowance 84 42
Carrying Amount, impaired loans with valuation allowance   1,361
Unpaid Principal Balance, impaired loans with valuation allowance   1,361
Average Carrying Amount, impaired loans with valuation allowance   1,362
Interest Income Recognized, impaired loans with valuation allowance   42
Related Allowance, Total impaired loans   109
Construction Loans [Member] | Real Estate [Member]
    
Carrying Amount, impaired loans without valuation allowance 10,339 959
Unpaid Principal Balance, impaired loans without valuation allowance 12,205 959
Related Allowance, impaired loans without valuation allowance 0 0
Average Carrying Amount, impaired loans without valuation allowance 10,485 944
Interest Income Recognized, impaired loans without valuation allowance 80 5
Carrying Amount, impaired loans with valuation allowance 2,717 7,515
Unpaid Principal Balance, impaired loans with valuation allowance 3,439 8,980
Average Carrying Amount, impaired loans with valuation allowance 2,958 4,173
Interest Income Recognized, impaired loans with valuation allowance 59 279
Related Allowance, Total impaired loans 305 510
Commercial Real Estate and Multi-Family [Member] | Real Estate [Member]
    
Carrying Amount, impaired loans without valuation allowance 9,109 3,334
Unpaid Principal Balance, impaired loans without valuation allowance 10,390 3,352
Related Allowance, impaired loans without valuation allowance 0 0
Average Carrying Amount, impaired loans without valuation allowance 9,195 3,370
Interest Income Recognized, impaired loans without valuation allowance 85 201
Carrying Amount, impaired loans with valuation allowance   1,088
Unpaid Principal Balance, impaired loans with valuation allowance   1,088
Average Carrying Amount, impaired loans with valuation allowance   1,097
Interest Income Recognized, impaired loans with valuation allowance   24
Related Allowance, Total impaired loans   336
Commercial Loan [Member]
    
Carrying Amount, impaired loans without valuation allowance 763 2,870
Unpaid Principal Balance, impaired loans without valuation allowance 1,811 3,094
Related Allowance, impaired loans without valuation allowance 0 0
Average Carrying Amount, impaired loans without valuation allowance 937 239
Interest Income Recognized, impaired loans without valuation allowance 7 80
Carrying Amount, impaired loans with valuation allowance   715
Unpaid Principal Balance, impaired loans with valuation allowance   715
Average Carrying Amount, impaired loans with valuation allowance   662
Interest Income Recognized, impaired loans with valuation allowance   35
Related Allowance, Total impaired loans   46
Consumer Other Financing Receivable [Member]
    
Carrying Amount, impaired loans without valuation allowance 221 101
Unpaid Principal Balance, impaired loans without valuation allowance 397 353
Related Allowance, impaired loans without valuation allowance 0 0
Average Carrying Amount, impaired loans without valuation allowance 259 206
Interest Income Recognized, impaired loans without valuation allowance 6 1
Carrying Amount, impaired loans with valuation allowance   124
Unpaid Principal Balance, impaired loans with valuation allowance   124
Average Carrying Amount, impaired loans with valuation allowance   125
Interest Income Recognized, impaired loans with valuation allowance   6
Related Allowance, Total impaired loans   $ 71
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FAIR VALUE (Tables)
 6 Months Ended
Jun. 30, 2012
Fair Value Disclosures [Abstract]  
Schedule Of Carrying Amount and Fair Values Of Financial Instruments [Table Text Block]

The following is a summary of the carrying value and estimated fair value of the Company’s significant financial instruments as of June 30, 2012 and December 31, 2011: 

 

    June 30, 2012     December 31, 2011  
    Carrying     Estimated     Carrying     Estimated  
(In thousands)   Amount     Fair Value     Amount     Fair Value  
                         
Financial Assets                                
Cash and cash equivalents   $ 22,778     $ 22,778     $ 18,069     $ 18,069  
Investment securities     55,891       56,709       50,343       50,721  
Loans held for sale     1,358       1,358       2,993       2,993  
Loans receivable, net     444,426       461,179       466,965       492,446  
Accrued income receivable     1,773       1,773       1,932       1,932  
Mortgage servicing rights     685       720       700       742  
                                 
Financial Liabilities                                
Deposits     411,346       414,865       410,887       409,357  
Borrowed funds     57,252       58,671       70,817       72,757  
Mortgagors' escrow accounts     4,621       4,621       4,755       4,755
Fair Value, Assets Measured on Recurring and Nonrecurring Basis [Table Text Block]

Assets and liabilities measured at fair value on a recurring and non-recurring basis at June 30, 2012 and December 31, 2011 are summarized below:

 

    June 30, 2012  
    Carrying Value  
(In thousands)   Level 1     Level 2     Level 3     Total  
Assets measured at fair value on a recurring basis:                                
Available-for-sale investment securities:                                
U.S. Government and agency obligations   $ -     $ 1,050     $ -     $ 1,050  
Government guaranteed mortgage-backed securities     -       16,398       -       16,398  
Government guaranteed collateralized mortgage obligations     -       1,346       -       1,346  
Private label collateralized mortgage obligations     -       267       -       267  
Auction-rate trust preferred securities     -       -       7,451       7,451  
Residential loans held for sale     -       1,358       -       1,358  
                                 
Assets measured at fair value on a non-recurring basis:                                
                                 
Impaired loans   $ -     $ -     $ 27,465     $ 27,465  
Foreclosed real estate and other repossessed assets     -       -       403       403  
Mortgage-servicing rights     -       -       803       803  

 

    December 31, 2011  
    Carrying Value  
(In thousands)   Level 1     Level 2     Level 3     Total  
Assets measured at fair value on a recurring basis:                        
Available-for-sale investment securities:                                
U.S. Government and agency obligations   $ -     $ 1,068     $ -     $ 1,068  
Government guaranteed mortgage-backed securities     -       14,763       -       14,763  
Government guaranteed collateralized mortgage obligations     -       1,721       -       1,721  
Private label collateralized mortgage obligations     -       255       -       255  
Auction-rate trust preferred securities     -       -       7,244       7,244  
Residential loans held for sale     -       2,993       -       2,993  
                                 
Assets measured at fair value on a non-recurring basis:                                
Impaired loans   $ -     $ -     $ 18,355     $ 18,355  
Foreclosed real estate and other repossessed assets     -       -       873       873  
Mortgage-servicing rights     -       -       726       726
Fair Value, Instruments Classified in Shareholders' Equity Measured on Recurring Basis, Unobservable Input Reconciliation [Table Text Block]

The following table shows a reconciliation of the beginning and ending balances for Level 3 assets measured at fair value on a recurring basis:

 

    For the Six     For the Year  
    Months Ended     Ended  
    June 30,     December 31,  
(In thousands)   2012     2011  
                 
Balance at beginning of period   $ 7,244     $ 7,960  
Increase (decrease) in fair value of securities included in accumulated other comprehensive income     507       (516 )
Redemptions at par     (300 )     (200 )
Balance at end of period   $ 7,451     $ 7,244  
XML 13 R42.htm IDEA: XBRL DOCUMENT v2.4.0.6
EQUITY INCENTIVE PLAN (Details Textual) (USD $)
 3 Months Ended 6 Months Ended 12 Months Ended
Jun. 30, 2012
Jun. 30, 2011
Jun. 30, 2012
Jun. 30, 2011
Dec. 31, 2005
Share-based Compensation Arrangement by Share-based Payment Award, Options, Exercises in Period     371,794    
Stock Issued During Period, Shares, Restricted Stock Award, Net of Forfeitures     148,717    
Stock Issued For Grant Or Exercise Of Awards     520,511    
Share Base Compensation Arrangement By Share Based Payment Award Option Granted Vested         20.00%
Allocated Share-based Compensation Expense $ 2,065 $ 4,550 $ 3,148 $ 10,301  
XML 14 R37.htm IDEA: XBRL DOCUMENT v2.4.0.6
EARNINGS PER SHARE (Details) (USD $)
In Thousands, except Share data, unless otherwise specified
 3 Months Ended 6 Months Ended
Jun. 30, 2012
Jun. 30, 2011
Jun. 30, 2012
Jun. 30, 2011
Net income (loss) $ (715) $ 505 $ (1,692) $ 901
Weighted-average common shares outstanding:        
Basic (in shares) 6,610,729 6,826,963 6,610,766 6,827,055
Effect of dilutive stock options and restrictive stock awards $ 0 $ 0 $ 0 $ 0
Diluted (in shares) 6,610,729 6,826,963 6,610,766 6,827,055
Earnings (loss) per common share:        
Basic (in dollars per share) $ (0.11) $ 0.07 $ (0.26) $ 0.13
Diluted (in dollars per share) $ (0.11) $ 0.07 $ (0.26) $ 0.13
XML 15 R47.htm IDEA: XBRL DOCUMENT v2.4.0.6
FAIR VALUE (Details Textual) (USD $)
 6 Months Ended
Jun. 30, 2012
Jun. 30, 2011
Foreclosed Properties and Repossessed Assets Carrying Value $ 258,000 $ 488,000
Valuation Adjustment To Foreclosed Property $ 94,000  
XML 16 R9.htm IDEA: XBRL DOCUMENT v2.4.0.6
BASIS OF PRESENTATION
 6 Months Ended
Jun. 30, 2012
Accounting Policies [Abstract]  
Basis of Accounting [Text Block]

NOTE 2 - BASIS OF PRESENTATION

 

The accompanying consolidated interim financial statements are unaudited and include the accounts of the Company, the Bank, and the Bank’s wholly owned subsidiary, Naugatuck Valley Mortgage Servicing Corporation. The consolidated financial statements have been prepared in accordance with accounting principles generally accepted in the United States of America (“GAAP”) for interim financial information and with the instructions to Securities and Exchange Commission (“SEC”) Form 10-Q. Accordingly, they do not include all the information and footnotes required by GAAP for complete financial statements. All significant intercompany accounts and transactions have been eliminated in consolidation. These consolidated financial statements reflect, in the opinion of management, all adjustments, consisting only of normal recurring adjustments, necessary for a fair presentation of the Company’s financial position and the results of its operations and its cash flows at the dates and for the periods presented.

 

In preparing the consolidated financial statements, management is required to make estimates and assumptions that affect the reported amounts of assets and liabilities as of the date of the statement of condition, and income and expenses for the interim period. Actual results could differ from those estimates. Material estimates that are particularly susceptible to significant change in the near-term relate to the determination of the allowance for losses on loans, the valuation of real estate acquired in connection with foreclosure or in satisfaction of loans, deferred income taxes and the valuation of certain investment securities. While management uses available information to recognize losses and properly value these assets, future adjustments may be necessary based on changes in economic conditions both in Connecticut and nationally.

 

Management has evaluated subsequent events for potential recognition or disclosure in the financial statements. No subsequent events were identified that would have required a change to the financial statements or disclosure in the notes to the financial statements.

 

Operating results for the six months ended June 30, 2012 are not necessarily indicative of the results that may be expected for the year ending December 31, 2012.

 

These consolidated financial statements should be read in conjunction with the consolidated financial statements and notes thereto included in the Company’s Annual Report on Form 10-K/A for the year ended December 31, 2011.

 

Certain reclassifications have been made to prior period consolidated financial statements to conform to the June 30, 2012 consolidated financial statement presentation. These reclassifications only changed the reporting categories and did not affect the Company’s results of operations or financial position.
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DIVIDENDS (Details Textual) (USD $)
 0 Months Ended 6 Months Ended
May 16, 2012
Jun. 30, 2012
Dividends declared, per common share (in dollars per share) $ 0.03 $ 0.06

XML 19 R29.htm IDEA: XBRL DOCUMENT v2.4.0.6
LOANS RECEIVABLE (Details) (USD $)
In Thousands, unless otherwise specified
Jun. 30, 2012
Dec. 31, 2011
Dec. 31, 2010
Totals loans $ 455,679 $ 478,840  
Allowance for loan losses 8,399 8,053 6,393
Undisbursed construction loans 2,574 3,489  
Deferred loan origination fees, net 280 333  
Loans receivable, net 444,426 466,965  
Weighted average yield 5.16% 5.29%  
One-to four-family [Member]
      
Totals loans 208,653 217,893  
Allowance for loan losses 2,013 1,745 1,585
Commercial Real Estate and Multi-Family [Member]
      
Totals loans 150,083 160,858  
Construction [Member]
      
Totals loans 33,399 29,734  
Allowance for loan losses 1,072 1,327 600
Commercial business loans [Member]
      
Totals loans 32,869 36,645  
Allowance for loan losses 1,424 754 884
Real Estate [Member]
      
Totals loans 392,135 408,485  
Real Estate [Member] | One-to four-family [Member]
      
Totals loans 208,653 217,893  
Real Estate [Member] | Commercial Real Estate and Multi-Family [Member]
      
Totals loans 150,083 160,858  
Real Estate [Member] | Construction [Member]
      
Totals loans 33,399 29,734  
Consumer Loan [Member]
      
Totals loans 30,675 33,710  
Allowance for loan losses 489 482 610
Consumer Loan [Member] | Home Equity Line Of Credit [Member]
      
Totals loans 29,277 32,157  
Consumer Loan [Member] | Savings Account [Member]
      
Totals loans 749 847  
Consumer Loan [Member] | Automobile Loan [Member]
      
Totals loans 487 509  
Consumer Loan [Member] | Personal [Member]
      
Totals loans $ 162 $ 197  
XML 20 R28.htm IDEA: XBRL DOCUMENT v2.4.0.6
INVESTMENT SECURITIES (Details 1) (USD $)
In Thousands, unless otherwise specified
Jun. 30, 2012
Dec. 31, 2011
Securities in Continuous Unrealized Loss Position Less Than 12 Months, Number of Securities 2 2
Securities in Continuous Unrealized Loss Position Less Than 12 Months, Market Value $ 4,005 $ 424
Securities in Continuous Unrealized Loss Position Less Than 12 Months, Unrealized Loss (28) (9)
Securities in Continuous Unrealized Loss Position 12 or More Consecutive Months, Number of Securities 3 3
Securities in Continuous Unrealized Loss Position 12 or More Consecutive Months, Market Value 2,414 1,900
Securities in Continuous Unrealized Loss Position 12 or More Consecutive Months, Unrealized Loss (316) (853)
Mortgage-Backed Securities, Issued By Us Government Sponsored Enterprises [Member]
    
Securities in Continuous Unrealized Loss Position Less Than 12 Months, Number of Securities 2 2
Securities in Continuous Unrealized Loss Position Less Than 12 Months, Market Value 4,005 4,244
Securities in Continuous Unrealized Loss Position Less Than 12 Months, Unrealized Loss (28) (9)
Mortgage-Backed Securities, Issued By Private Enterprises [Member]
    
Securities in Continuous Unrealized Loss Position 12 or More Consecutive Months, Number of Securities 1 1
Securities in Continuous Unrealized Loss Position 12 or More Consecutive Months, Market Value 267 256
Securities in Continuous Unrealized Loss Position 12 or More Consecutive Months, Unrealized Loss (67) (97)
Auction-Rate Trust Preferred Securities [Member]
    
Securities in Continuous Unrealized Loss Position 12 or More Consecutive Months, Number of Securities 2 2
Securities in Continuous Unrealized Loss Position 12 or More Consecutive Months, Market Value 2,150 1,644
Securities in Continuous Unrealized Loss Position 12 or More Consecutive Months, Unrealized Loss $ (249) $ (756)
XML 21 R44.htm IDEA: XBRL DOCUMENT v2.4.0.6
FAIR VALUE (Details) (USD $)
In Thousands, unless otherwise specified
Jun. 30, 2012
Dec. 31, 2011
Jun. 30, 2011
Dec. 31, 2010
Financial Assets, Carrying Amount        
Cash and cash equivalents, Carrying Amount $ 22,778 $ 18,069 $ 34,199 $ 14,263
Investment securities, Carrying Amount 55,891 50,343    
Loans held for sale, Carrying Amount 1,358 2,993    
Loans receivable, net, Carrying Amount 444,426 466,965    
Accrued income receivable, Carrying Amount 1,773 1,932    
Mortgage servicing rights, Carrying Amount 685 700    
Financial Liabilities, Carrying Amount        
Deposits, Carrying Amount 411,346 410,887    
Borrowed funds, Carrying Amount 57,252 70,817    
Mortgagors' escrow accounts, Carrying Amount 4,621 4,755    
Financial Assets, Estimated Fair Value        
Cash and Cash Equivalents, Fair Value Disclosure 22,778 18,069    
Investment securities, Estimated Fair Value 56,709 50,721    
Loans held for sale, Estimated Fair Value 1,358 2,993    
Loans receivable, net, Estimated Fair Value 461,179 492,446    
Accrued income receivable, Estimated Fair Value 1,773 1,932    
Mortgage servicing rights, Estimated Fair Value 720 742    
Financial Liabilities, Estimated Fair Value        
Deposits, Estimated Fair Value 414,865 409,357    
Borrowed funds, Estimated Fair Value 58,671 72,757    
Mortgagors' escrow accounts, Estimated Fair Value $ 4,621 $ 4,755    
XML 22 R30.htm IDEA: XBRL DOCUMENT v2.4.0.6
LOANS RECEIVABLE (Details 1) (USD $)
In Thousands, unless otherwise specified
 6 Months Ended 12 Months Ended
Jun. 30, 2012
Dec. 31, 2011
Allowance for Loan Losses:    
Beginning Balance $ 8,053 $ 6,393
Provision for loan losses 4,119 4,293
Charge-offs (3,783) (2,637)
Recoveries 10 4
Ending Balance 8,399 8,053
Ending loan balance individually evaluated for impairment 27,713 19,427
Ending loan balance collectively evaluated for impairment 427,966 459,413
One-to four-family [Member]
    
Allowance for Loan Losses:    
Beginning Balance 1,745 1,585
Provision for loan losses 611 377
Charge-offs (347) (217)
Recoveries 4 0
Ending Balance 2,013 1,745
Ending loan balance individually evaluated for impairment 4,636 2,721
Ending loan balance collectively evaluated for impairment 204,017 215,172
Construction [Member]
    
Allowance for Loan Losses:    
Beginning Balance 1,327 600
Provision for loan losses 374 1,449
Charge-offs (629) (722)
Recoveries 0 0
Ending Balance 1,072 1,327
Ending loan balance individually evaluated for impairment 13,209 8,474
Ending loan balance collectively evaluated for impairment 20,190 21,260
Commercial Real Estate [Member]
    
Allowance for Loan Losses:    
Beginning Balance 3,745 2,714
Provision for loan losses 901 1,942
Charge-offs (1,245) (911)
Recoveries 0 0
Ending Balance 3,401 3,745
Ending loan balance individually evaluated for impairment 8,892 4,422
Ending loan balance collectively evaluated for impairment 141,191 156,436
Commercial Loan [Member]
    
Allowance for Loan Losses:    
Beginning Balance 754 884
Provision for loan losses 2,081 383
Charge-offs (1,416) (516)
Recoveries 5 3
Ending Balance 1,424 754
Ending loan balance individually evaluated for impairment 801 3,585
Ending loan balance collectively evaluated for impairment 32,068 33,060
Consumer [Member]
    
Allowance for Loan Losses:    
Beginning Balance 482 610
Provision for loan losses 152 142
Charge-offs (146) (271)
Recoveries 1 1
Ending Balance 489 482
Ending loan balance individually evaluated for impairment 175 225
Ending loan balance collectively evaluated for impairment $ 30,500 $ 33,485
XML 23 R31.htm IDEA: XBRL DOCUMENT v2.4.0.6
LOANS RECEIVABLE (Details 2) (USD $)
In Thousands, unless otherwise specified
Jun. 30, 2012
Dec. 31, 2011
Total $ 455,679 $ 478,840
Commercial Loan [Member]
    
Total 32,869 36,645
Commercial Loan [Member] | Pass [Member]
    
Total 6,284 6,659
Commercial Loan [Member] | Special Mention [Member]
    
Total 19,103 21,941
Commercial Loan [Member] | Substandard [Member]
    
Total 4,524 2,072
Commercial Loan [Member] | Doubtful [Member]
    
Total 2,750 5,235
Commercial Loan [Member] | Doubtful and Loss [Member]
    
Total 208 738
Commercial Real Estate Construction [Member]
    
Total 27,115 22,222
Commercial Real Estate Construction [Member] | Pass [Member]
    
Total 0 216
Commercial Real Estate Construction [Member] | Special Mention [Member]
    
Total 10,308 7,463
Commercial Real Estate Construction [Member] | Substandard [Member]
    
Total 4,268 5,948
Commercial Real Estate Construction [Member] | Doubtful [Member]
    
Total 12,539 8,595
Commercial Real Estate Construction [Member] | Doubtful and Loss [Member]
    
Total 0 0
Commercial Real Estate [Member]
    
Total 150,083 160,858
Commercial Real Estate [Member] | Pass [Member]
    
Total 35,141 40,769
Commercial Real Estate [Member] | Special Mention [Member]
    
Total 81,890 88,089
Commercial Real Estate [Member] | Substandard [Member]
    
Total 19,099 15,383
Commercial Real Estate [Member] | Doubtful [Member]
    
Total 13,953 16,004
Commercial Real Estate [Member] | Doubtful and Loss [Member]
    
Total 0 613
Residential Prime [Member]
    
Total 208,653 217,893
Residential Prime [Member] | Pass [Member]
    
Total 202,420 213,049
Residential Prime [Member] | Special Mention [Member]
    
Total 308 746
Residential Prime [Member] | Substandard [Member]
    
Total 5,925 4,098
Residential Prime [Member] | Doubtful [Member]
    
Total 0 0
Residential Construction [Member]
    
Total 6,284 7,512
Residential Construction [Member] | Pass [Member]
    
Total 6,284 7,512
Residential Construction [Member] | Special Mention [Member]
    
Total 0 0
Residential Construction [Member] | Substandard [Member]
    
Total 0 0
Residential Construction [Member] | Doubtful [Member]
    
Total 0 0
Consumer Other Financing Receivable [Member]
    
Total 30,675 33,710
Consumer Other Financing Receivable [Member] | Performing Financing Receivable [Member]
    
Total 30,286 33,323
Consumer Other Financing Receivable [Member] | Nonperforming Financing Receivable [Member]
    
Total $ 389 $ 387
XML 24 R8.htm IDEA: XBRL DOCUMENT v2.4.0.6
NATURE OF OPERATIONS
 6 Months Ended
Jun. 30, 2012
Accounting Policies [Abstract]  
Nature of Operations [Text Block]

NOTE 1 – NATURE OF OPERATIONS

 

Effective June 29, 2011, Naugatuck Valley Financial Corporation (the “Company”) completed its public stock offering in connection with the conversion of Naugatuck Valley Mutual Holding Company (the “MHC”) from the mutual holding company to the stock holding company form of organization (the “Conversion”). As a result of the Conversion, the Company succeeded Naugatuck Valley Financial Corporation, a Federal corporation (the “Federal Corporation”), as the holding company for Naugatuck Valley Savings and Loan (the “Bank”) and the MHC ceased to exist. A total of 4,173,008 shares of Company common stock were sold in a subscription and community offering at $8.00 per share, including 250,380 shares purchased by the Naugatuck Valley Savings and Loan Employee Stock Ownership Plan (the “ESOP”). Additionally, shares totaling 2,829,358 were issued to the stockholders of the Federal Corporation (other than the MHC) in exchange for their shares of Federal Corporation common stock at an exchange ratio of 0.9978 share of Company common stock for each share of Federal Corporation common stock. Shares outstanding after the stock offering and the exchange totaled 7,002,366. Net proceeds from the reorganization and stock offering totaled $31.3 million, after deducting offering costs of $2.1 million.

 

Originally organized in 1922, the Bank is a federally chartered stock savings bank which is headquartered in Naugatuck, Connecticut. The Bank provides a full range of personal banking services to individual and small business customers located primarily in the Naugatuck Valley and the immediate surrounding vicinity. It is subject to competition from other financial institutions throughout the region. The Bank is also subject to the regulations of various federal agencies and undergoes periodic examinations by those regulatory authorities.

 

The Bank owns Naugatuck Valley Mortgage Servicing Corporation, which qualifies and operates as a Connecticut passive investment company pursuant to legislation.
XML 25 R32.htm IDEA: XBRL DOCUMENT v2.4.0.6
LOANS RECEIVABLE (Details 3) (USD $)
In Thousands, unless otherwise specified
Jun. 30, 2012
Dec. 31, 2011
31-60 Days Past Due $ 3,026 $ 3,166
61-90 Days Past Due 1,215 500
Greater Than 90 Days (Nonaccrual) 29,137 24,681
Total Past Due 33,378 28,347
Current 422,301 450,493
Total Loans 455,679 478,840
Carrying Amount > 90 Days and Accruing 0 0
One-to four-family [Member]
    
31-60 Days Past Due 1,539 1,379
61-90 Days Past Due 0 214
Greater Than 90 Days (Nonaccrual) 4,715 4,140
Total Past Due 6,254 5,733
Current 208,683 212,160
Total Loans 214,937 217,893
Carrying Amount > 90 Days and Accruing 0 0
Construction [Member]
    
31-60 Days Past Due 0 270
61-90 Days Past Due 480 0
Greater Than 90 Days (Nonaccrual) 11,525 9,005
Total Past Due 12,005 9,275
Current 15,110 20,459
Total Loans 27,115 29,734
Carrying Amount > 90 Days and Accruing 0 0
Commercial Real Estate and Multi-Family [Member]
    
31-60 Days Past Due 750 654
61-90 Days Past Due 40 249
Greater Than 90 Days (Nonaccrual) 10,828 9,182
Total Past Due 11,618 10,085
Current 138,465 150,773
Total Loans 150,083 160,858
Carrying Amount > 90 Days and Accruing 0 0
Commercial Loan [Member]
    
31-60 Days Past Due 347 396
61-90 Days Past Due 695 0
Greater Than 90 Days (Nonaccrual) 1,680 1,967
Total Past Due 2,722 2,363
Current 30,147 34,282
Total Loans 32,869 36,645
Consumer Other Financing Receivable [Member]
    
31-60 Days Past Due 390 467
61-90 Days Past Due 0 37
Greater Than 90 Days (Nonaccrual) 389 387
Total Past Due 779 891
Current 29,896 32,819
Total Loans 30,675 33,710
Carrying Amount > 90 Days and Accruing $ 0 $ 0
XML 26 R40.htm IDEA: XBRL DOCUMENT v2.4.0.6
EQUITY INCENTIVE PLAN (Details) (USD $)
 1 Months Ended 12 Months Ended
Jul. 26, 2008
Dec. 18, 2007
Mar. 20, 2007
Mar. 21, 2006
Dec. 31, 2005
Awarded, Option awards 997 1,995 7,483 6,485 371,794
Exercise price, Option awards $ 11.12 $ 11.12 $ 12.51 $ 11.12  
Maximum term in years, Option awards 10 years 10 years 10 years 10 years  
Awarded, Restricted stock awards 997 2,993 1,995 1,496  
XML 27 R2.htm IDEA: XBRL DOCUMENT v2.4.0.6
Consolidated Statements of Financial Condition (USD $)
In Thousands, unless otherwise specified
Jun. 30, 2012
Dec. 31, 2011
ASSETS    
Cash and due from depository institutions $ 21,910 $ 15,436
Investment in federal funds 868 2,633
Investment securities available-for-sale, at fair value 26,512 25,051
Investment securities held-to-maturity, at amortized cost 29,379 25,292
Loans held for sale 1,358 2,993
Loans receivable, net 444,426 466,965
Accrued income receivable 1,773 1,932
Foreclosed real estate and repossessed assets, net 403 873
Premises and equipment, net 9,535 9,654
Bank owned life insurance 9,707 9,556
Federal Home Loan Bank stock, at cost 5,917 6,252
Deferred income taxes 2,480 2,439
Other assets 3,694 3,144
Total assets 557,962 572,220
LIABILITIES AND STOCKHOLDERS' EQUITY    
Deposits 411,346 410,887
Borrowed funds 57,252 70,817
Mortgagors' escrow accounts 4,621 4,755
Other liabilities 4,088 3,447
Total liabilities 477,307 489,906
Commitments and contingencies      
Stockholders' equity    
Preferred stock, $.01 par value; 1,000,000 shares authorized; no shares issued or outstanding 0 0
Common stock, $.01 par value; 25,000,000 shares authorized; 7,002,366 shares issued; 7,002,208 shares outstanding at March 31, 2012 and 7,002,292 outstanding at December 31, 2011. 70 70
Paid-in capital 58,909 58,908
Retained earnings 24,922 27,014
Unearned ESOP shares (391,479 shares at June 30, 2012 and December 31, 2011) (3,442) (3,442)
Unearned stock awards (997 shares at June 30, 2012 and 1,395 shares at December 31, 2011) (9) (14)
Treasury stock, at cost (158 shares at June 30, 2012 and 74 shares at December 31, 2011) (1) (1)
Accumulated other comprehensive income (loss) 206 (221)
Total stockholders' equity 80,655 82,314
Total liabilities and stockholders' equity $ 557,962 $ 572,220
XML 28 R45.htm IDEA: XBRL DOCUMENT v2.4.0.6
FAIR VALUE (Details 1) (USD $)
In Thousands, unless otherwise specified
 6 Months Ended 12 Months Ended
Jun. 30, 2012
Dec. 31, 2011
Carrying Value $ 26,512 $ 25,051
Residential loans held for sale 1,358 2,993
Impaired loans 27,465 18,355
Foreclosed real estate and other repossessed assets 403 873
Mortgage-servicing rights 803 726
Us Government Agencies Debt Securities [Member]
    
Carrying Value 1,050 1,068
Mortgage-Backed Securities, Issued By Us Government Sponsored Enterprises [Member]
    
Carrying Value 16,398 14,763
Collateralized Mortgage Backed Securities [Member]
    
Carrying Value 1,346 1,721
Mortgage-Backed Securities, Issued By Private Enterprises [Member]
    
Carrying Value 267 255
Auction-Rate Trust Preferred Securities [Member]
    
Carrying Value 7,451 7,244
Fair Value, Measurements, Recurring [Member] | Fair Value, Inputs, Level 1 [Member]
    
Residential loans held for sale 0 0
Impaired loans   0
Foreclosed real estate and other repossessed assets   0
Fair Value, Measurements, Recurring [Member] | Fair Value, Inputs, Level 1 [Member] | Us Government Agencies Debt Securities [Member]
    
Carrying Value 0 0
Fair Value, Measurements, Recurring [Member] | Fair Value, Inputs, Level 1 [Member] | Mortgage-Backed Securities, Issued By Us Government Sponsored Enterprises [Member]
    
Carrying Value 0 0
Fair Value, Measurements, Recurring [Member] | Fair Value, Inputs, Level 1 [Member] | Collateralized Mortgage Backed Securities [Member]
    
Carrying Value 0 0
Fair Value, Measurements, Recurring [Member] | Fair Value, Inputs, Level 1 [Member] | Mortgage-Backed Securities, Issued By Private Enterprises [Member]
    
Carrying Value 0 0
Fair Value, Measurements, Recurring [Member] | Fair Value, Inputs, Level 1 [Member] | Auction-Rate Trust Preferred Securities [Member]
    
Carrying Value 0 0
Fair Value, Measurements, Recurring [Member] | Fair Value, Inputs, Level 2 [Member]
    
Residential loans held for sale 1,358 2,993
Impaired loans   0
Foreclosed real estate and other repossessed assets   0
Fair Value, Measurements, Recurring [Member] | Fair Value, Inputs, Level 2 [Member] | Us Government Agencies Debt Securities [Member]
    
Carrying Value 1,050 1,068
Fair Value, Measurements, Recurring [Member] | Fair Value, Inputs, Level 2 [Member] | Mortgage-Backed Securities, Issued By Us Government Sponsored Enterprises [Member]
    
Carrying Value 16,398 14,763
Fair Value, Measurements, Recurring [Member] | Fair Value, Inputs, Level 2 [Member] | Collateralized Mortgage Backed Securities [Member]
    
Carrying Value 1,346 1,721
Fair Value, Measurements, Recurring [Member] | Fair Value, Inputs, Level 2 [Member] | Mortgage-Backed Securities, Issued By Private Enterprises [Member]
    
Carrying Value 267 0
Fair Value, Measurements, Recurring [Member] | Fair Value, Inputs, Level 2 [Member] | Auction-Rate Trust Preferred Securities [Member]
    
Carrying Value 0 2,993
Residential loans held for sale   0
Fair Value, Measurements, Recurring [Member] | Fair Value, Inputs, Level 3 [Member]
    
Residential loans held for sale 0  
Fair Value, Measurements, Recurring [Member] | Fair Value, Inputs, Level 3 [Member] | Us Government Agencies Debt Securities [Member]
    
Carrying Value 0 0
Fair Value, Measurements, Recurring [Member] | Fair Value, Inputs, Level 3 [Member] | Mortgage-Backed Securities, Issued By Us Government Sponsored Enterprises [Member]
    
Carrying Value 0 0
Fair Value, Measurements, Recurring [Member] | Fair Value, Inputs, Level 3 [Member] | Collateralized Mortgage Backed Securities [Member]
    
Carrying Value 0 0
Fair Value, Measurements, Recurring [Member] | Fair Value, Inputs, Level 3 [Member] | Mortgage-Backed Securities, Issued By Private Enterprises [Member]
    
Carrying Value 0 0
Fair Value, Measurements, Recurring [Member] | Fair Value, Inputs, Level 3 [Member] | Auction-Rate Trust Preferred Securities [Member]
    
Carrying Value 7,451 7,244
Fair Value, Measurements, Nonrecurring [Member] | Fair Value, Inputs, Level 1 [Member]
    
Impaired loans 0  
Foreclosed real estate and other repossessed assets 0  
Mortgage-servicing rights 0  
Fair Value, Measurements, Nonrecurring [Member] | Fair Value, Inputs, Level 2 [Member]
    
Impaired loans 0  
Foreclosed real estate and other repossessed assets 0  
Mortgage-servicing rights 0  
Fair Value, Measurements, Nonrecurring [Member] | Fair Value, Inputs, Level 3 [Member]
    
Residential loans held for sale   0
Impaired loans 27,465 18,355
Foreclosed real estate and other repossessed assets 403 873
Mortgage-servicing rights $ 803  
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Consolidated Statements of Changes in Stockholder's Equity [Parenthetical] (USD $)
 6 Months Ended
Jun. 30, 2012
Dividends declared, per common share (in dollars per share) $ 0.06
Share based compensation awards - shares vested 199
Share based compensation awards - shares forfeited 199
Treasury stock acquired, shares 84
XML 30 R35.htm IDEA: XBRL DOCUMENT v2.4.0.6
LOANS RECEIVABLE (Details 6) (USD $)
In Thousands, unless otherwise specified
Jun. 30, 2012
Dec. 31, 2011
Number of Loans 8 11
Pre-Modification Recorded Investment $ 1,538 $ 4,767
Funds Disbursed 0 49
Interest and Escrow Capitalized 3 59
Post-Modification Recorded Investment 1,541 4,875
One-to four-family [Member] | Real Estate [Member]
    
Number of Loans 4 2
Pre-Modification Recorded Investment 989 310
Funds Disbursed 0 0
Interest and Escrow Capitalized 3 0
Post-Modification Recorded Investment 992 310
Multi Family and Commercial Real Estate [Member] | Real Estate [Member]
    
Number of Loans 1 5
Pre-Modification Recorded Investment 426 3,736
Funds Disbursed 0 19
Interest and Escrow Capitalized 0 59
Post-Modification Recorded Investment 426 3,814
Home Equity Line Of Credit [Member] | Consumer Loan [Member]
    
Number of Loans 3  
Pre-Modification Recorded Investment 123  
Funds Disbursed 0  
Interest and Escrow Capitalized 0  
Post-Modification Recorded Investment 123  
TDRs Accruing Interest [Member]
    
Number of Loans 3 0
Pre-Modification Recorded Investment 567 0
Funds Disbursed 0 0
Interest and Escrow Capitalized 0 0
Post-Modification Recorded Investment 567 0
TDRs Nonaccrual [Member]
    
Number of Loans 5 11
Pre-Modification Recorded Investment 971 4,767
Funds Disbursed 0 49
Interest and Escrow Capitalized 3 59
Post-Modification Recorded Investment 974 4,875
Commercial Loan [Member] | Real Estate [Member]
    
Number of Loans   3
Pre-Modification Recorded Investment   673
Funds Disbursed   0
Interest and Escrow Capitalized   0
Post-Modification Recorded Investment   673
Construction [Member] | Real Estate [Member]
    
Number of Loans   1
Pre-Modification Recorded Investment   48
Funds Disbursed   30
Interest and Escrow Capitalized   0
Post-Modification Recorded Investment   $ 78
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EARNINGS PER SHARE (Tables)
 6 Months Ended
Jun. 30, 2012
Earnings Per Share [Abstract]  
Schedule of Earnings Per Share, Basic and Diluted [Table Text Block]

Unallocated common shares held by the ESOP are not included in the weighted-average number of common shares outstanding for purposes of calculating either basic or diluted net income per common share.

 

    Three Months Ended     Six Months Ended  
    June 30,     June 30,  
    2012     2011     2012     2011  
                   
Net income (loss)   $ (715,000 )   $ 505,000     $ (1,692,000 )   $ 901,000  
                                 
Weighted-average common shares outstanding:                                
Basic     6,610,729       6,826,963       6,610,766       6,827,055  
Effect of dilutive stock options and restrictive stock awards     -       -       -       -  
Diluted     6,610,729       6,826,963       6,610,766       6,827,055  
                                 
Earnings (loss) per common share:                                
Basic   $ (0.11 )   $ 0.07     $ (0.26 )   $ 0.13  
Diluted   $ (0.11 )   $ 0.07     $ (0.26 )   $ 0.13
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LOANS RECEIVABLE (Details Textual) (USD $)
 3 Months Ended 6 Months Ended 12 Months Ended
Jun. 30, 2012
Jun. 30, 2012
Dec. 31, 2011
Maximum Percentage On Appraised Value Property   75.00%  
Total nonaccrual loans $ 29,137,000 $ 29,137,000 $ 24,681,000
Income Not Recognized On Non Performing Loans 329,000 1,300,000 365,000
SBA Guaranteed Portion 1,300,000 1,300,000  
Specific Reserves On Regulatory Supervision 305,000 305,000 1,100,000
Financing Receivables, Impaired, Troubled Debt Restructuring, Write-down   2,100,000  
Specific Reserves Related To Tdrs 743,000 743,000  
Us Small Business Administration [Member]
      
Total nonaccrual loans $ 1,300,000 $ 1,300,000  
XML 33 R24.htm IDEA: XBRL DOCUMENT v2.4.0.6
EQUITY INCENTIVE PLAN (Tables)
 6 Months Ended
Jun. 30, 2012
Equity Incentive Plan Disclosure [Abstract]  
Schedule Of Stock Options and Restricted Stock Award [Table Text Block]

The amounts and terms of the awards granted under the Incentive Plan are summarized in the following table.

 

    Grant date  
    July 26,     December 18,     March 20,     March 21,  
    2008     2007     2007     2006  
                         
Option awards                                
Awarded     997       1,995       7,483       6,485  
Exercise price   $ 11.12     $ 11.12     $ 12.51     $ 11.12  
Maximum term in years     10       10       10       10  
Restricted stock awards                                
Awarded     997       2,993       1,995       1,496
Schedule of Share-based Payment Award, Stock Options, Valuation Assumptions [Table Text Block]

Treasury yield curve in effect at the time of grant. Assumptions used to determine the weighted-average fair value of stock options granted were as follows:

 

    July 26,     December 18,     March 20,     March 21,  
Grant date   2008     2007     2007     2006  
                         
Dividend yield     2.74 %     2.20 %     1.60 %     1.89 %
Expected volatility     13.40 %     11.00 %     10.49 %     11.20 %
Risk-free rate     3.56 %     3.63 %     4.48 %     4.61 %
Expected life in years     6.5       6.5       6.5       6.5  
                                 
Weighted average fair value of options at grant date   $ 1.51     $ 1.18     $ 2.55     $ 2.25
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Consolidated Statements of Cash Flows (USD $)
In Thousands, unless otherwise specified
 6 Months Ended
Jun. 30, 2012
Jun. 30, 2011
Cash flows from operating activities    
Net income (loss) $ (1,692) $ 901
Adjustments to reconcile net income (loss) to cash provided (used) by operating activities:    
Provision for loan losses 4,119 1,478
Depreciation and amortization expense 351 393
Net loss on foreclosed assets 172 11
Gain on sale of loans (810) (350)
Loans originated for sale (35,179) (18,664)
Proceeds from sale of loans held for sale 37,623 16,429
Net amortization from investments 177 73
Amortization of intangible assets 17 17
Provision for deferred taxes 0 124
Net gain on investments 0 (233)
Stock-based compensation 123 92
Net change in:    
Accrued income receivable 159 (5)
Deferred loan fees (54) (44)
Cash surrender value of life insurance (151) (155)
Other assets 550 1,111
Other liabilities (577) 432
Net cash provided by operating activities 4,828 1,610
Cash flows from investing activities    
Proceeds from maturities and repayments of available-for-sale securities 2,786 2,468
Proceeds from sale of available-for-sale securities 300 1,522
Proceeds from maturities of held-to-maturity securities 3,178 624
Redemption of Federal Home Loan Bank stock 335 0
Purchase of available-for-sale securities (4,216) 0
Purchase of held-to-maturity securities (7,386) 0
Loan originations net of principal payments 18,217 (12,187)
Purchase of premises and equipment (248) (532)
Proceeds from the sale of foreclosed assets 556 109
Net cash provided (used) by investing activities 13,522 (7,996)
Cash flows from financing activities    
Net change in time deposits (13,790) (12,867)
Net change in other deposit accounts 14,248 22,169
Advances in borrowed funds 0 5,300
Repayment of borrowed funds (11,387) (15,935)
Net change in mortgagors' escrow accounts (134) 23
Change in short term borrowings (2,178) (1,466)
Proceeds from common stock offering, net of offering costs 0 31,322
Purchase of shares by ESOP pursuant to reorganization 0 (2,003)
Forfeited restricted shares (2) 0
Common stock repurchased (1) (1)
Cash dividends to common stockholders (397) (220)
Net cash (used) provided by financing activities (13,641) 26,322
Net change in cash and cash equivalents 4,709 19,936
Cash and cash equivalents at beginning of period 18,069 14,263
Cash and cash equivalents at end of period 22,778 34,199
Non-cash investing activities:    
Transfer of loans to foreclosed assets 258 488
Cash paid during the period for:    
Interest 2,989 4,657
Income taxes $ 151 $ 76
XML 36 R3.htm IDEA: XBRL DOCUMENT v2.4.0.6
Consolidated Statements of Financial Condition [Parenthetical] (USD $)
Jun. 30, 2012
Dec. 31, 2011
Preferred stock, par value (in dollars per share) $ 0.01 $ 0.01
Preferred stock, shares authorized 1,000,000 1,000,000
Preferred stock, shares issued 0 0
Preferred stock, shares outstanding 0 0
Common stock, par value (in dollars per share) $ 0.01 $ 0.01
Common stock, shares authorized 25,000,000 25,000,000
Common stock, shares issued 7,002,366 7,002,366
Common stock, shares outstanding 7,002,208 7,002,292
Unearned ESOP, shares 391,479 391,479
Unearned stock awards, shares 997 1,395
Treasury stock, shares 158 74
XML 37 R17.htm IDEA: XBRL DOCUMENT v2.4.0.6
DIVIDENDS
 6 Months Ended
Jun. 30, 2012
Dividends [Abstract]  
Dividends Per Share Disclosure [Text Block]

NOTE 10 - DIVIDENDS

 

On May 16, 2012, the Company's Board of Directors declared a cash dividend of $0.03 per outstanding common share, which was paid on June 15, 2012, to stockholders of record as of the close of business on May 28, 2012.
XML 38 R1.htm IDEA: XBRL DOCUMENT v2.4.0.6
Document and Entity Information
 6 Months Ended
Jun. 30, 2012
Aug. 06, 2012
Entity Registrant Name Naugatuck Valley Financial Corp  
Entity Central Index Key 0001493552  
Current Fiscal Year End Date --12-31  
Entity Filer Category Smaller Reporting Company  
Trading Symbol nvsl  
Entity Common Stock, Shares Outstanding   7,002,208
Document Type 10-Q  
Amendment Flag false  
Document Period End Date Jun. 30, 2012  
Document Fiscal Period Focus Q2  
Document Fiscal Year Focus 2012  
XML 39 R18.htm IDEA: XBRL DOCUMENT v2.4.0.6
FAIR VALUE
 6 Months Ended
Jun. 30, 2012
Fair Value Disclosures [Abstract]  
Fair Value Disclosures [Text Block]

NOTE 11 – FAIR VALUE

 

The Company uses fair value to record adjustments to certain assets and liabilities and to prepare required disclosures. Fair value is the price that would be received to sell an asset or paid to transfer a liability in an orderly transaction between market participants at the measurement date. Fair value is best determined using market quotes. However, in many instances, there are no quoted market prices available. In such instances, fair values are determined using various valuation techniques. Various assumptions and observable inputs must be relied upon in applying these techniques. Accordingly, the fair value estimates may not be realized in an immediate transfer of the respective asset or liability.

  

The following is a summary of the carrying value and estimated fair value of the Company’s significant financial instruments as of June 30, 2012 and December 31, 2011: 

 

    June 30, 2012     December 31, 2011  
    Carrying     Estimated     Carrying     Estimated  
(In thousands)   Amount     Fair Value     Amount     Fair Value  
                         
Financial Assets                                
Cash and cash equivalents   $ 22,778     $ 22,778     $ 18,069     $ 18,069  
Investment securities     55,891       56,709       50,343       50,721  
Loans held for sale     1,358       1,358       2,993       2,993  
Loans receivable, net     444,426       461,179       466,965       492,446  
Accrued income receivable     1,773       1,773       1,932       1,932  
Mortgage servicing rights     685       720       700       742  
                                 
Financial Liabilities                                
Deposits     411,346       414,865       410,887       409,357  
Borrowed funds     57,252       58,671       70,817       72,757  
Mortgagors' escrow accounts     4,621       4,621       4,755       4,755  

 

Fair Value Hierarchy

 

Fair value is defined as the price that would be received to sell an asset or paid to transfer a liability in an orderly transaction between market participants at the measurement date. Current accounting guidance establishes a fair value hierarchy based on the transparency of inputs participants use to price an asset or liability. The fair value hierarchy prioritizes these inputs into the following three levels:

 

• Level 1: Valuation is based upon unadjusted quoted prices in active markets for identical assets or liabilities that the reporting entity has the ability to access at the measurement date.

 

• Level 2: Fair value is calculated using inputs other than quoted market prices that are directly or indirectly observable for the asset or liability. The valuation may rely on quoted prices for similar assets or liabilities in active markets, quoted prices for identical or similar assets or liabilities in inactive markets, inputs other than quoted prices that are observable for the asset or liability (such as interest rates, volatilities, prepayment speeds, credit ratings, etc.) or inputs that are derived principally or corroborated by market data by correlation or other means.

 

• Level 3: Inputs for determining the fair value of the respective assets or liabilities are not observable. Level 3 valuations are reliant upon pricing models and techniques that require significant management judgment or estimation.

 

Categorization within the valuation hierarchy is based upon the lowest level of input that is significant to the fair value measurement. A description of the valuation methodologies used by the Company is presented below:

 

Cash and cash equivalents - The carrying amount of cash, due from banks, and interest-bearing deposits is used to approximate fair value, given the short timeframe to maturity and as such assets do not present unanticipated credit concerns.

 

Investment Securities - When quoted prices are available in an active market, the Company classifies securities within Level 1 of the valuation hierarchy. If quoted market prices are not available, the Company employs an independent pricing service who utilizes matrix pricing to calculate fair value. Such fair value measurements consider observable data such as dealer quotes, market spreads, cash flows, yield curves, live trading levels, trade execution data, market consensus prepayments speeds, credit information, and the respective terms and conditions for debt instruments. Level 2 securities include CMOs, mortgage backed securities and corporate bonds issued by GSEs.

 

When a market is illiquid or there is a lack of transparency around the inputs to valuation, the respective securities are classified as Level 3 and reliance is placed upon internally developed models and management judgment and evaluation for valuation. Auction-rate trust preferred securities (“ARPs”) are currently classified as Level 3.

  

Management uses an internally developed model to value ARPs. The valuation model is based on a discounted cash flow using the expected value of the collateral preferred shares, either at call dates or the maturity date of the trust, the credit rating of the issuer of each of the ARPs, the expected yield during the holding period and current rates for U.S. Treasury securities matching the expected remaining term of the trust. The expected value of the collateral preferred shares (either when called or upon maturity of the trust) is assumed to range between current market prices and par. Discount rates are implied from observable market inputs. The resulting discounted cash flows for each of the ARPs indicated little to no impairment in the fair value of the securities. On a quarterly basis, management reviews the trust preferred securities pricing generated from our internal model.

 

Loans Receivable - Loans held for sale are accounted for at the lower of cost or market. The fair value of loans held for sale are based on quoted market prices of similar or identical loans sold in conjunction with securitization transactions, adjusted as required for changes in loan characteristics. The Company employs an independent third party to provide fair value estimates for loans held for investment. Such estimates are calculated using discounted cash flow analysis, using market interest rates for comparable loans. The associated cash flows are adjusted for credit and other potential losses. Fair value for impaired loans is estimated using the net present value of the expected cash flows or the fair value of the underlying collateral if repayment is collateral dependent.

 

Accrued income receivable – The carrying amounts reported in the statement of financial condition approximate these assets’ fair value.

 

Mortgage-servicing rights – The Company sells residential mortgage loans with servicing rights retained. At the time of the sale, the Company determines the value of the retained servicing rights, which represents the present value of the differential between the contractual servicing fee and adequate compensation, defined as the fee a sub-servicer would require to assume the role of servicer, after considering the estimated effects of prepayments. If material, a portion of the gain on the sale of the loan is recognized as due to the value of the servicing rights, and a servicing asset is recorded.

 

The Company has engaged an independent third party to perform the servicing rights analysis on a quarterly basis. The cost basis of loan servicing rights is amortized on a level yield basis over the period of estimated net servicing revenue and such amortization is included in the consolidated statement of income as a reduction of loan servicing fee income. Servicing rights are evaluated for impairment by comparing their aggregate carrying amount to their fair value. The fair value of loan servicing rights is estimated using a present value cash flow model. The most important assumptions used in the valuation model are the anticipated rate of loan prepayments and discount rates. All assumptions are based on standards used by market participants. Impairment is recognized as an adjustment to loan and servicing income.

 

Foreclosed Property and Repossessed Assets - Foreclosed property and repossessed assets are recorded as held for sale initially at the lower of the loan balance or fair value of the collateral less estimated selling costs. For the six months ended June 30, 2012 and 2011, foreclosed properties and repossessed assets with a carrying value of $258,000 and $488,000, respectively, were transferred to foreclosed property and repossessed assets from loans. Prior to the transfer, the assets whose fair value less costs to sell was less than their carrying value, were written down to fair value through a charge to the allowance for loan losses. Subsequent to foreclosure, valuations are updated periodically, and the assets may be marked down further, reflecting a new cost basis. There were subsequent valuation adjustments to five foreclosed properties in the amount of $94,000 for the six months ended June 30, 2012. There were no subsequent valuation adjustments to foreclosed properties and repossessed assets for the six months ended June 30, 2011. Collateral dependent impaired loans and foreclosed real estate and repossessed assets are considered Level 3, as the fair value is based on an appraisal and the adjustment to comparable sales made by the appraiser are unobservable. Non collateral dependent loans are measured using a discounted cash flow technique and are also considered Level 3, as the inputs are the Bank’s own assumptions.

 

Deposit Liabilities - The fair values disclosed for demand deposits are by definition equal to the amount payable on demand at the reporting date which is also their carrying value. The carrying amounts of variable-rate, fixed term money market accounts and certificates of deposit approximate their fair values at the reporting date. Fair values for fixed rate certificates of deposit are estimated using a discounted cash flow calculation that applies market interest rates on comparable instruments to a schedule of aggregated expensed monthly maturities on time deposits.

 

Borrowed Funds - Carrying value is as an estimate of fair value for securities sold under agreements to repurchase and other short term debt that matures within 90 days. The fair values of other borrowings are estimated using discounted cash flow analyses based on current market rates adjusted, as appropriate, for associated credit and option risks.

  

Mortgagors’ escrow accounts – The carrying amounts reported in the statement of financial condition approximate the fair value of the mortgagors’ escrow accounts.

 

Under certain circumstances we make adjustment to fair value for our assets although they are not measured at fair value on an ongoing basis. These include assets that are measured at the lower of cost or market that were recognized at fair value (i.e., below cost) at the end of the period, as well as assets that are not measured at fair value on an ongoing basis but are subject to fair value adjustments in certain circumstances (e.g., when there is evidence of impairment).

 

Assets and liabilities measured at fair value on a recurring and non-recurring basis at June 30, 2012 and December 31, 2011 are summarized below:

 

    June 30, 2012  
    Carrying Value  
(In thousands)   Level 1     Level 2     Level 3     Total  
Assets measured at fair value on a recurring basis:                                
Available-for-sale investment securities:                                
U.S. Government and agency obligations   $ -     $ 1,050     $ -     $ 1,050  
Government guaranteed mortgage-backed securities     -       16,398       -       16,398  
Government guaranteed collateralized mortgage obligations     -       1,346       -       1,346  
Private label collateralized mortgage obligations     -       267       -       267  
Auction-rate trust preferred securities     -       -       7,451       7,451  
Residential loans held for sale     -       1,358       -       1,358  
                                 
Assets measured at fair value on a non-recurring basis:                                
                                 
Impaired loans   $ -     $ -     $ 27,465     $ 27,465  
Foreclosed real estate and other repossessed assets     -       -       403       403  
Mortgage-servicing rights     -       -       803       803  

 

    December 31, 2011  
    Carrying Value  
(In thousands)   Level 1     Level 2     Level 3     Total  
Assets measured at fair value on a recurring basis:                        
Available-for-sale investment securities:                                
U.S. Government and agency obligations   $ -     $ 1,068     $ -     $ 1,068  
Government guaranteed mortgage-backed securities     -       14,763       -       14,763  
Government guaranteed collateralized mortgage obligations     -       1,721       -       1,721  
Private label collateralized mortgage obligations     -       255       -       255  
Auction-rate trust preferred securities     -       -       7,244       7,244  
Residential loans held for sale     -       2,993       -       2,993  
                                 
Assets measured at fair value on a non-recurring basis:                                
Impaired loans   $ -     $ -     $ 18,355     $ 18,355  
Foreclosed real estate and other repossessed assets     -       -       873       873  
Mortgage-servicing rights     -       -       726       726  

 

There were no significant transfers of assets between Levels 1, 2 or 3 of the fair value hierarchy during the three or six months ended June 30, 2012.

  

 

The following table shows a reconciliation of the beginning and ending balances for Level 3 assets measured at fair value on a recurring basis:

 

    For the Six     For the Year  
    Months Ended     Ended  
    June 30,     December 31,  
(In thousands)   2012     2011  
                 
Balance at beginning of period   $ 7,244     $ 7,960  
Increase (decrease) in fair value of securities included in accumulated other comprehensive income     507       (516 )
Redemptions at par     (300 )     (200 )
Balance at end of period   $ 7,451     $ 7,244

 
XML 40 R4.htm IDEA: XBRL DOCUMENT v2.4.0.6
Consolidated Statements of Income and Comprehensive Income (USD $)
In Thousands, except Per Share data, unless otherwise specified
 3 Months Ended 6 Months Ended
Jun. 30, 2012
Jun. 30, 2011
Jun. 30, 2012
Jun. 30, 2011
Interest income        
Interest on loans $ 5,652 $ 6,452 $ 11,699 $ 12,784
Interest and dividends on investments and deposits 398 411 817 841
Total interest income 6,050 6,863 12,516 13,625
Interest expense        
Interest on deposits 975 1,718 2,069 3,464
Interest on borrowed funds 432 564 890 1,176
Total interest expense 1,407 2,282 2,959 4,640
Net interest income 4,643 4,581 9,557 8,985
Provision for loan losses 2,147 1,040 4,119 1,478
Net interest income after provision for loan losses 2,496 3,541 5,438 7,507
Noninterest income        
Mortgage banking income 625 355 1,016 483
Fees for other services 263 233 525 406
Fees for services related to deposit accounts 204 213 406 426
Income from bank owned life insurance 76 78 151 155
Income from investment advisory services, net 51 65 107 139
Net gain on investments 0 86 0 86
Recovery from legal settlement 0 0 0 147
Other income 30 32 54 56
Total noninterest income 1,249 1,062 2,259 1,898
Noninterest expense        
Compensation, taxes and benefits 2,705 2,326 5,314 4,669
Office occupancy 575 565 1,150 1,172
Professional fees 244 122 537 259
Loss on foreclosed real estate, net 204 49 341 88
Computer processing 194 64 368 326
FDIC insurance premiums 187 172 321 376
Advertising 160 106 286 205
Directors compensation 130 110 335 286
Office supplies 53 50 107 97
Public company expenses 38 30 57 48
Deposit related charge (reduction) (88) 0 712 0
Other expenses 468 292 812 610
Total noninterest expense 4,870 3,886 10,340 8,136
Income (loss) before provision for income taxes (1,125) 717 (2,643) 1,269
Provision (benefit) for income taxes (410) 212 (951) 368
Net income (loss) (715) 505 (1,692) 901
Other Comprehensive income (loss)        
Changes in unrealized gain (loss) on securities available-for-sale, net (68) 121 427 18
Total other comprehensive income (68) 121 427 18
Comprehensive income (loss) $ (783) $ 626 $ (1,265) $ 919
Earnings (loss) per common share - basic and diluted $ (0.11) $ 0.07 $ (0.26) $ 0.13
XML 41 R12.htm IDEA: XBRL DOCUMENT v2.4.0.6
INVESTMENT SECURITIES
 6 Months Ended
Jun. 30, 2012
Investments, Debt and Equity Securities [Abstract]  
Investments in Debt and Marketable Equity Securities (and Certain Trading Assets) Disclosure [Text Block]

NOTE 5 – INVESTMENT SECURITIES

 

At June 30, 2012, the composition of the investment portfolio was:

 

    Amortized     Gross Unrealized     Fair  
(In thousands)     Cost Basis     Gains     Losses     Value  
Available-for-sale securities:                                
U.S. government and agency obligations   $ 1,010     $ 40     $ -     $ 1,050  
Government guaranteed mortgage-backed securities     15,698       728       (28 )     16,398  
Government guaranteed collateralized mortgage obligations     1,328       18       -       1,346  
Private label collateralized mortgage obligations     334       -       (67 )     267  
Total debt securities     18,370       786       (95 )     19,061  
Auction-rate trust preferred securities     7,700       -       (249 )     7,451  
                                 
Total available-for-sale securities     $ 26,070     $ 786     $ (344 )   $ 26,512  

 

    Amortized     Gross Unrealized     Fair  
(In thousands)     Cost Basis     Gains     Losses     Value  
Held-to-maturity securities:                                
Government guaranteed mortgage-backed securities   $ 29,379     $ 818     $ -     $ 30,197  
                                 
Total held-to-maturity securities     $ 29,379     $ 818     $ -     $ 30,197  

 

At December 31, 2011, the composition of the investment portfolio was:

 

    Amortized     Gross Unrealized     Fair  
(In thousands)   Cost Basis     Gains     Losses     Value  
Available-for-sale securities:                                
U.S. government and agency obligations   $ 1,014     $ 54     $ -     $ 1,068  
Government guaranteed mortgage-backed securities     13,919       844       -       14,763  
Government guaranteed collateralized mortgage obligations     1,711       10       -       1,721  
Private label collateralized mortgage obligations     352       -       (97 )     255  
Total debt securities     16,996       908       (97 )     17,807  
Auction-rate trust preferred securities     8,000       -       (756 )     7,244  
                                 
Total available-for-sale securities   $ 24,996     $ 908     $ (853 )   $ 25,051  

 

    Amortized     Gross Unrealized     Fair  
(In thousands)   Cost Basis     Gains     Losses     Value  
Held-to-maturity securities:                                
Government guaranteed mortgage-backed securities   $ 25,292     $ 387     $ (9 )   $ 25,670  
                                 
Total held-to-maturity securities   $ 25,292     $ 387     $ (9 )   $ 25,670  

 

The Company has identified certain investment securities in which the fair value of the security is less than the cost of the security. This can be from an increase in interest rates since the time of purchase or from deterioration in the credit quality of the issuer. All investment securities which have unrealized losses undergo an internal impairment review.

 

Management’s review for impairment generally entails identification and analysis of individual investments that have fair values less than amortized cost, including consideration of the length of time the investment has been in an

unrealized loss position and the expected recovery period; discussion of evidential matter, including an evaluation of factors or triggers that could cause individual investments to qualify as having other-than-temporary impairment and those that would not support other-than-temporary impairment; and documentation of the results of these analyses. As a result of the reviews, management has determined that there are no other investment securities which have deteriorated in credit quality subsequent to purchase, and believes that these unrealized losses are temporary and are the result of changes in market interest rates and market conditions over the past several years.

 

The following is a summary of the fair values and related unrealized losses aggregated by investment category and length of time that individual securities have been in a continuous unrealized loss position at June 30, 2012, and December 31, 2011.

 

    At June 30, 2012  
    Securities in Continuous Unrealized  
    Loss Position Less Than 12 Months  
    Number of     Market     Unrealized  
(Dollars in thousands)   Securities     Value     Loss  
                   
Government guaranteed mortgage backed securities   2     $ 4,005     $ (28 )
                         
Total securities in unrealized loss position   2     $ 4,005     $ (28 )

 

    Securities in Continuous Unrealized  
    Loss Position 12 or More Consecutive Months  
    Number of     Market     Unrealized  
(Dollars in thousands)   Securities     Value     Loss  
                   
Private label collateralized mortgage obligations   1     $ 267     $ (67 )
Auction-rate trust preferred securities   2       2,150       (249 )
                         
Total securities in unrealized loss position   3     $ 2,417     $ (316 )

 

    At December 31, 2011  
    Securities in Continuous Unrealized  
    Loss Position Less Than 12 Months  
    Number of     Market     Unrealized  
(Dollars in thousands)   Securities     Value     Loss  
                   
Government guaranteed mortgage backed securities   2     $ 4,244     $ (9 )
                         
Total securities in unrealized loss position   2     $ 4,244     $ (9 )

 

    Securities in Continuous Unrealized  
    Loss Position 12 or More Consecutive Months  
    Number of     Market     Unrealized  
(Dollars in thousands)   Securities     Value     Loss  
                   
Private label collateralized mortgage obligations   1     $ 256     $ (97 )
Auction-rate trust preferred securities   2       1,644       (756 )
                         
Total securities in unrealized loss position   3     $ 1,900     $ (853 )
XML 42 R11.htm IDEA: XBRL DOCUMENT v2.4.0.6
Accounting Standards Updates
 6 Months Ended
Jun. 30, 2012
New Accounting Pronouncements and Changes In Accounting Principles [Abstract]  
Accounting Changes and Error Corrections [Text Block]

NOTE 4 — Accounting Standards Updates

 

Recently Adopted Accounting Guidance

 

Amendments to Achieve Common Fair Value Measurement and Disclosure Requirements in U.S. GAAP and International Financial Reporting Standards (“IFRS”): In April 2011, the Financial Accounting Standards Board (“FASB”) issued guidance that clarifies the wording used to describe many of the requirements in GAAP for measuring fair value and for disclosing information about fair value measurements. The guidance does not extend the use of fair value accounting, but clarifies the wording on how it should be applied to be consistent with IFRS and expands certain disclosure requirements relating to Level 3 fair value measurements. For many of the requirements, the FASB does not intend for the amendments in this update to result in a change in application from current guidance. This guidance is to be applied prospectively for interim and annual periods beginning after December 15, 2011. Since the guidance only relates to disclosure, the adoption of this guidance did not impact the Company’s financial condition, results of operations, or liquidity.

 

Statement of Comprehensive Income: In April 2011, the FASB issued accounting guidance requiring companies to include a statement of comprehensive income as part of its interim and annual financial statements. The new guidance gives companies the option to present net income and comprehensive income either in one continuous statement or in two separate, but consecutive statements. This approach represents a change from current GAAP, which allows companies to report Other Comprehensive Income (“OCI”) and its components in the statement of shareholder’s equity. The guidance also allows companies to present OCI either net of tax with details in the notes or shown gross of tax (with tax effects shown parenthetically). This guidance is effective for fiscal years beginning after December 15, 2011, but early adoption is permitted. Since the guidance only relates to disclosure, the adoption of this guidance did not impact the Company’s financial condition, results of operations, or liquidity.

 

Recently Issued Accounting Guidance

 

There were no additional accounting standards updates applicable to the Company issued by FASB during the second quarter ended June 30, 2012. Other accounting standards that have been issued or proposed by the FASB or other standards-setting bodies are not expected to have a material impact on the Company’s financial position, results of operations or cash flows.
XML 43 R23.htm IDEA: XBRL DOCUMENT v2.4.0.6
COMPREHENSIVE INCOME (Tables)
 6 Months Ended
Jun. 30, 2012
Stockholders' Equity Note [Abstract]  
Schedule of Comprehensive Income (Loss) [Table Text Block]

The Company’s sole source of other comprehensive income is the net unrealized gain on its available-for-sale securities.

 

    Three Months Ended     Six Months Ended  
    June 30,     June 30,  
    2012     2011     2012     2011  
    (In thousands)  
                         
Net income (loss)   $ (715 )   $ 505     $ (1,692 )   $ 901  
                                 
Other comprehensive income:                                
Unrealized gain (loss) on securities available-for-sale     (76 )     226       386       101  
Reclassification adjustment for (gain) loss realized in net income     -       (86 )     -       (86 )
                                 
Other comprehensive income (loss) before tax effect     (76 )     140       386       15  
                                 
Income tax effect related to items of other comprehensive income (loss)     (8 )     19       (41 )     (3 )
                                 
Other comprehensive income (loss) net of tax effect     (68 )     121       427       18  
                                 
Total comprehensive income (loss)   $ (783 )   $ 626     $ (1,265 )   $ 919
XML 44 R19.htm IDEA: XBRL DOCUMENT v2.4.0.6
CRITICAL ACCOUNTING POLICIES (Policies)
 6 Months Ended
Jun. 30, 2012
Accounting Policies [Abstract]  
Loans and Leases Receivable, Allowance for Loan Losses Policy [Policy Text Block]

Allowance for Loan Losses. Determining the amount of the allowance for loan losses necessarily involves a high degree of judgment. Although the Company believes that it uses the best information available to establish the allowance for loan losses, future additions to the allowance may be necessary based on estimates that are susceptible to change as a result of changes in economic conditions and other factors. Management reviews the level of the allowance on a quarterly basis, at a minimum, and establishes the provision for loan losses based on the composition of the loan portfolio, delinquency levels, loss experience, economic conditions, and other factors related to the collectability of the loan portfolio.

 

The Company engages an independent review of its commercial loan portfolio on a quarterly basis and considers adjustments to its loan ratings based upon this review. In addition, the Company’s regulatory authorities, as an integral part of their examination process, periodically review the Company’s allowance for loan losses and may require the Company to recognize adjustments to the allowance based on their judgments about information available to them at the time of their examination.
Impaired Financing Receivable, Policy [Policy Text Block]

Impaired Loans - Impaired loans consist of non-accrual loans and troubled debt restructurings (“TDRs”) in accordance with applicable authoritative accounting guidance. With the exception of loans that were restructured and still accruing interest, a loan is considered impaired when, based on current information and events, it is probable that the Company will be unable to collect all contractual principal and interest due according to the terms of the loan agreement. Loans deemed to be impaired are classified as non-accrual.

 

Impairment is measured by estimating the value of the loan based on the present value of expected future cash flows discounted at the loan’s initial effective interest rate or the fair value of the underlying collateral less costs to sell, if repayment of the loan is considered collateral-dependent. All impaired loans are included in non-performing assets.
Non Accrual Loans Policy [Policy Text Block]

Non-accrual loans. Loans are automatically placed on non-accrual status when payment of principal or interest is more than 90 days delinquent. Loans are also placed on non-accrual status if collection of principal or interest in full is in doubt or if the loan has been restructured. When loans are placed on non-accrual status, unpaid accrued interest is fully reversed, and further income is recognized only to the extent received. The loan may be returned to accrual status if unpaid principal and interest are repaid so that the loan is less than 90 days delinquent.
Loans and Leases Receivable, Troubled Debt Restructuring Policy [Policy Text Block]

Troubled Debt Restructurings. TDRs are loans for which the original contractual terms of the loans have been modified and both of the following conditions exist: (i) the restructuring constitutes a concession (including reduction of interest rates or extension of maturity dates) and (ii) the borrower is experiencing financial difficulties. Loans are not classified as TDRs when the modification is short-term or results in only an insignificant delay or shortfall in the payments to be received. The Company’s TDRs are determined on a case-by-case basis in connection with ongoing loan collection processes.

 

The Company does not accrue interest on any TDRs unless it believes collection of all principal and interest under the modified terms is reasonably assured. Generally, six consecutive months of payment performance by the borrower under the restructured terms is required before a TDR is returned to accrual status assuming the loan is restructured at market rates. However, the period could vary depending upon the individual facts and circumstances of the loan.

 

For a TDR to begin accruing interest, the borrower must demonstrate both some level of performance and the capacity to perform under the modified terms. A history of timely payments and adherence to financial covenants generally serve as sufficient evidence of the borrower’s performance. An evaluation of the borrower’s current creditworthiness is used to assess whether the borrower has the capacity to repay the loan under the modified terms. This evaluation includes an estimate of expected cash flows, evidence of strong financial position, and estimates of the value of collateral, if applicable.
XML 45 R15.htm IDEA: XBRL DOCUMENT v2.4.0.6
COMPREHENSIVE INCOME
 6 Months Ended
Jun. 30, 2012
Stockholders' Equity Note [Abstract]  
Comprehensive Income (Loss) Note [Text Block]

NOTE 8 - COMPREHENSIVE INCOME

 

Comprehensive income is net income adjusted for any changes in equity from non-owner sources that are not recorded in the income statement (such as changes in the net unrealized gain/loss on available-for-sale securities). The purpose of reporting comprehensive income is to provide a measure of all changes in equity that result from recognized transactions and other economic events of the period other than transactions with owners in their capacity as owners. The Company’s sole source of other comprehensive income is the net unrealized gain on its available-for-sale securities.

 

    Three Months Ended     Six Months Ended  
    June 30,     June 30,  
    2012     2011     2012     2011  
    (In thousands)  
                         
Net income (loss)   $ (715 )   $ 505     $ (1,692 )   $ 901  
                                 
Other comprehensive income:                                
Unrealized gain (loss) on securities available-for-sale     (76 )     226       386       101  
Reclassification adjustment for (gain) loss realized in net income     -       (86 )     -       (86 )
                                 
Other comprehensive income (loss) before tax effect     (76 )     140       386       15  
                                 
Income tax effect related to items of other comprehensive income (loss)     (8 )     19       (41 )     (3 )
                                 
Other comprehensive income (loss) net of tax effect     (68 )     121       427       18  
                                 
Total comprehensive income (loss)   $ (783 )   $ 626     $ (1,265 )   $ 919  

 

The Company has not recognized deferred taxes related to unrealized capital losses in other comprehensive income due to its current inability to use them.
XML 46 R13.htm IDEA: XBRL DOCUMENT v2.4.0.6
LOANS RECEIVABLE
 6 Months Ended
Jun. 30, 2012
Receivables [Abstract]  
Loans, Notes, Trade and Other Receivables Disclosure [Text Block]

NOTE 6 – LOANS RECEIVABLE

 

A summary of loans receivable at June 30, 2012 and December 31, 2011 is as follows:

 

    June 30,     December 31,  
(Dollars in thousands)   2012     2011  
             
Real estate loans:                
One-to four-family   $ 208,653     $ 217,893  
Commercial real estate and multi-family     150,083       160,858  
Construction     33,399       29,734  
Total real estate loans     392,135       408,485  
                 
Commercial business loans     32,869       36,645  
Consumer loans:                
Home equity     29,277       32,157  
Savings accounts     749       847  
Automobile     487       509  
Personal     162       197  
Total consumer loans     30,675       33,710  
Totals loans     455,679       478,840  
                 
Less:                
Allowance for loan losses     8,399       8,053  
Undisbursed construction loans     2,574       3,489  
Deferred loan origination fees, net     280       333  
Loans receivable, net   $ 444,426     $ 466,965  
                 
Weighted average yield     5.16 %     5.29 %

 

Credit Quality of Financing Receivables and the Allowance for Loan Losses

 

Management segregates the loan portfolio into portfolio segments, which are defined as the levels at which the Company develops and documents a systematic method for determining its allowance for loan losses. The portfolio segments are segregated based on loan types and the underlying risk factors present in each loan type. Such risk factors are periodically reviewed by management and revised as deemed appropriate.

 

The Company’s loan portfolio is segregated into the following portfolio segments:

 

One-to Four-Family Owner Occupied Loans. This portfolio segment consists of the origination of first mortgage loans secured by one-to four-family owner occupied residential properties and residential construction loans to individuals to finance the construction of residential dwellings for personal use located in our market area. Although the Company has experienced an increase in foreclosures on its owner occupied loan portfolio over the past year, foreclosures are still at relatively low levels and believe this is due mainly to its conservative underwriting and lending policies which do not allow for risky loans such as “Option ARM,” “sub-prime” or “Alt-A” loans.

 

Commercial Real Estate and Multi-family Loans. This portfolio segment includes loans secured by commercial real estate, non-owner occupied one-to four-family and multi-family dwellings for property owners and businesses in our market area. Loans secured by commercial real estate generally have larger loan balances and more credit risk than owner occupied one-to four-family mortgage loans. The increased risk is the result of several factors, including the concentration of principal in a limited number of loans and borrowers, the impact of local and general economic conditions on the borrower’s ability to repay the loan, and the increased difficulty of evaluating and monitoring these types of loans.

 

Construction and Land Development Loans. This portfolio segment includes commercial construction loans for commercial development projects, including condominiums, apartment buildings, and single family subdivisions as well as office buildings, retail and other income producing properties and land loans, which are loans made with land as security. Construction and land development financing generally involves greater credit risk than long-term financing on improved, owner-occupied real estate. Risk of loss on a construction loan depends largely upon the accuracy of the initial estimate of the value of the property at completion of construction compared to the estimated cost (including interest) of construction and other assumptions. If the estimate of construction cost proves to be inaccurate, the Company may be required to advance additional funds beyond the amount originally committed in order to protect the value of the property. Moreover, if the estimated value of the completed project proves to be inaccurate, the borrower may hold a property with a value that is insufficient to assure full repayment. Construction loans also expose the Company to the risks that improvements will not be completed on time in accordance with specifications and projected costs and that repayment will depend on the successful operation or sale of the properties, which may cause some borrowers to be unable to continue with debt service which exposes the Company to greater risk of non-payment and loss. Additionally, economic factors such as the decline of property values may have an adverse effect on the ability of the borrower to sell the property.

 

Commercial Business Loans. This portfolio segment includes commercial business loans secured by real estate, assignments of corporate assets, and personal guarantees of the business owners. Commercial business loans generally have higher interest rates and shorter terms than other loans, but they also may involve higher average balances, increased difficulty of loan monitoring and a higher risk of default since their repayment generally depends on the successful operation of the borrower’s business.

 

Real Estate Secured Loans. This portfolio segment includes home equity loans and home equity lines of credit secured by owner occupied one-to four-family residential properties. Loans of this type are generally written at a maximum of 75% of the appraised value of the property and require that the Company has a second lien position on the property. These loans are written at a higher interest rate and a shorter term than mortgage loans. The Company has experienced a low level of foreclosure in this type of loan during recent periods. These loans can be affected by economic conditions and the values of the underlying properties.

 

Consumer Loans. This portfolio segment includes loans secured by passbook or certificate accounts, or automobiles, as well as unsecured personal loans and overdraft lines of credit. This type of loan may entail greater risk than do residential mortgage loans, particularly in the case of loans that are unsecured or secured by assets that depreciate rapidly.

 

Loans are generally carried at the amount of unpaid principal, less the allowance for loan losses and adjusted for deferred loan fees, which are amortized over the term of the loan using the interest method. Interest on loans is accrued based on the principal amounts outstanding. It is the Company’s policy to discontinue the accrual of interest when a loan is specifically determined to be impaired or when the principal or interest is delinquent for more than 90 days. When a loan is placed on nonaccrual status, all interest previously accrued but not collected is reversed against current period interest income.

 

The allowance for loan losses is established through a provision for loan losses. The Company maintains the allowance at a level believed, to the best of management’s knowledge, adequate to cover all known and inherent losses in the loan portfolio that are both probable and reasonable to estimate at each reporting date.

 

Management reviews the allowance for loan losses on at least a quarterly basis in order to identify those inherent losses and to assess the overall collection probability for the loan portfolio. The evaluation process by portfolio segment includes, among other things, an analysis of delinquency trends, non-performing loan trends, the level of charge-offs and recoveries, prior loss experience, total loans outstanding, the volume of loan originations, the type, size and geographic concentration of the loans, the value of collateral securing the loan, the borrower’s ability to repay and repayment performance, the number of loans requiring heightened management oversight, local economic conditions and industry experience.

 

The establishment of the allowance for loan losses is significantly affected by management’s judgment and uncertainties, and there is a likelihood that different amounts would be reported under different conditions or assumptions. The Office of the Comptroller of the Currency (“OCC”), as an integral part of its examination process, periodically reviews the allowance for loan losses and may require the Company to make additional provisions for estimated loan losses based upon judgments different from those of management.

  

The allowance generally consists of specific and general components. The specific component relates to loans that have been evaluated and determined to be impaired under ASC 310-10-35. For such impaired loans, when the discounted cash flows (or collateral value or observable market price if the loan is collateral dependent) of the impaired loan is lower than the carrying value of that loan, the Company will charge the difference to loss or establish a specific allowance if the loss is not confirmed. The general component covers non-classified loans and is based on historical loss experience adjusted for qualitative factors. Additional allowances are placed on loans classified as either doubtful, substandard or special mention. Although for analytical purposes, certain allowances are attributed to loans that are impaired and general components are attributed to loans evaluated collectively. The allowance is available to cover all charge offs that arise from the loan portfolio.

 

The Company will continue to monitor and modify its allowance for loan losses as conditions dictate. No assurances can be given that the level of allowance for loan losses will cover all of the inherent losses in the loan portfolio or that future adjustments to the allowance for loan losses will not be necessary if economic and other conditions differ substantially from the economic and other conditions used by management to determine the current level of the allowance for loan losses.

 

The following tables set forth the balance of the allowance for loan losses at June 30, 2012 and December 31, 2011, by portfolio segment, disaggregated by impairment methodology, which is then further segregated by amounts evaluated for impairment collectively and individually. Also included is a summary of transactions in the allowance for loan losses for the six months ended June 30, 2012 and the year ended December 31, 2011. The allowance for loan losses allocated to each portfolio segment is not necessarily indicative of future losses in any particular portfolio segment and does not restrict the use of the allowance to absorb losses in other portfolio segments.

 

    One-to Four-
Family		     Construction     Commercial
Real Estate		     Commercial     Consumer     Total  
As of and for the Six Months
Ended June 30, 2012		                                                
(In thousands)                                                
Allowance for loan losses:                                                
Beginning balance   $ 1,745     $ 1,327     $ 3,745     $ 754     $ 482     $ 8,053  
Provision for loan losses     611       374       901       2,081       152       4,119  
Charge-offs     (347 )     (629 )     (1,245 )     (1,416 )     (146 )     (3,783 )
Recoveries     4       -       -       5       1       10  
Ending balance   $ 2,013     $ 1,072     $ 3,401     $ 1,424     $ 489     $ 8,399  
Ending loan balance individually evaluated for impairment   $ 4,636     $ 13,209     $ 8,892     $ 801     $ 175     $ 27,713  
Ending loan balance collectively evaluated for impairment   $ 204,017     $ 20,190     $ 141,191     $ 32,068     $ 30,500     $ 427,966  
                                                 
As of and for the Year Ended
December 31, 2011		                                                
(In thousands)                                                
Allowance for loan losses:                                                
Beginning balance   $ 1,585     $ 600     $ 2,714     $ 884     $ 610     $ 6,393  
Provision for loan losses     377       1,449       1,942       383       142       4,293  
Charge-offs     (217 )     (722 )     (911 )     (516 )     (271 )     (2,637 )
Recoveries     -       -       -       3       1       4  
Ending balance   $ 1,745     $ 1,327     $ 3,745     $ 754     $ 482     $ 8,053  
Ending loan balance individually evaluated for impairment   $ 2,721     $ 8,474     $ 4,422     $ 3,585     $ 225     $ 19,427  
Ending loan balance collectively evaluated for impairment   $ 215,172     $ 21,260     $ 156,436     $ 33,060     $ 33,485     $ 459,413  

 

The Company’s policies provide for the classification of loans and other assets into the following categories: pass (1 - 4), bankable with care (5), special mention (6), substandard (7), doubtful (8) and loss (9). Consistent with regulatory guidelines, loans and other assets that are considered to be of lesser quality are classified as substandard, doubtful, or loss assets. An asset is considered substandard if it is inadequately protected by the current net worth and paying capacity of the obligor or of the collateral pledged, if any. Substandard assets include those assets characterized by the distinct possibility that we will sustain some loss if the deficiencies are not corrected. Assets classified as doubtful have all of the weaknesses inherent in those classified substandard with the added characteristic that the weaknesses present make collection or liquidation in full, on the basis of currently existing facts, conditions and values, highly questionable and improbable. Assets (or portions of assets) classified as loss are those considered uncollectible and of such little value that their continuance as assets without establishment of a specific valuation allowance or charge-off is not warranted. Assets that do not expose us to risk sufficient to warrant classification in one of the aforementioned categories, but which possess potential weaknesses that deserve close attention, are required to be designated as special mention.

  

When assets are classified as special mention, substandard or doubtful, the Company disaggregates these assets and allocates a portion of the related general loss allowances to such assets as the Company deems prudent. Determinations as to the classification of assets and the amount of loss allowances are subject to review by our principal federal regulator, the Office of the Comptroller of the Currency, which can require that we establish additional loss allowances. The Company regularly reviews its asset portfolio to determine whether any assets require classification in accordance with applicable regulations.

 

The following tables are a summary of the loan portfolio quality indicators by loan class as of June 30, 2012 and December 31, 2011:

 

Commercial Loans  - Credit Risk Profile by Internally Assigned Grade:  
      At June 30, 2012     At December 31, 2011  
(In thousands)     Commercial
Loans		     Commercial
Real Estate
Construction		     Commercial
Real Estate		     Commercial
Loans		     Commercial
Real Estate
Construction		     Commercial
Real Estate		  
Grade:                                                  
4     $ 6,284     $ -     $ 35,141     $ 6,659     $ 216     $ 40,769  
5       19,103       10,308       81,890       21,941       7,463       88,089  
6       4,524       4,268       19,099       2,072       5,948       15,383  
7       2,750       12,539       13,953       5,235       8,595       16,004  
8       208       -       -       738       -       613  
Total     $ 32,869     $ 27,115     $ 150,083     $ 36,645     $ 22,222     $ 160,858  
                                                     

Consumer Loans - Credit Risk Profile by Internally Assigned Grade:
    At June 30, 2012     At December 31, 2011  
(In thousands)   Residential -
Prime		     Residential -
Construction		     Residential -
Prime		     Residential -
Construction		  
                         
Grade:                                
Pass   $ 202,420     $ 6,284     $ 213,049     $ 7,512  
Special Mention     308       -       746       -  
Substandard     5,925       -       4,098       -  
Doubtful     -       -       -       -  
Total   $ 208,653     $ 6,284     $ 217,893     $ 7,512  

 

Consumer Loans - Credit Risk Profile Based on Payment Activity:
          At June 30, 2012           At December 31, 2011  
(In thousands)         Consumer - Other           Consumer - Other  
Grade:                                
Performing         $ 30,286           $ 33,323  
Nonperforming             389               387  
Total           $ 30,675             $ 33,710  

 

When a loan is 15 days past due, the Company sends the borrower a late notice. The Company also contacts the borrower by phone if the delinquency is not corrected promptly after the notice has been sent. When the loan is 30 days past due, the Company mails the borrower a letter reminding the borrower of the delinquency, and attempt to contact the borrower personally to determine the reason for the delinquency in order to ensure that the borrower understands the terms of the loan and the importance of making payments on or before the due date. If necessary, subsequent delinquency notices are issued and the account will be monitored on a regular basis thereafter. By the 90th day of delinquency, the Company will send the borrower a final demand for payment and may recommend foreclosure. A summary report of all loans 30 days or more past due is provided to the board of directors of the Company each month, and more frequently to the Asset Quality Committee of the Board of Directors.

 

Loans are automatically placed on non-accrual status when payment of principal or interest is more than 90 days delinquent. Loans are also placed on non-accrual status if collection of principal or interest in full is in doubt or if the loan has been restructured. When loans are placed on non-accrual status, unpaid accrued interest is fully reversed, and further income is recognized only to the extent received. The loan may be returned to accrual status if unpaid principal and interest are repaid so that the loan is less than 90 days delinquent. Management works closely with the Asset Quality Committee of the Board of Directors in an effort to resolve nonperforming assets in a manner most advantageous to the Company.

 

The following tables set forth certain information with respect to our loan portfolio delinquencies by loan class and amount as of June 30, 2012 and December 31, 2011:

 

    Credit Quality Information  
                Greater                       Carrying  
                Than                       Amount > 90  
    31-60 Days     61-90 Days     90 Days     Total Past                 Days and  
    Past Due     Past Due     (Nonaccrual)     Due     Current     Total Loans     Accruing  
As of June 30, 2012                                          
(In thousands)                                                        
Real estate loans                                                        
One-to four-family   $ 1,539     $ -     $ 4,715     $ 6,254       208,683     $ 214,937     $ -  
Construction     -       480       11,525       12,005       15,110       27,115       -  
Commercial real estate and multi-family     750       40       10,828       11,618       138,465       150,083       -  
Commercial business loans     347       695       1,680       2,722       30,147       32,869          
Consumer - other     390       -       389       779       29,896       30,675       -  
Total   $ 3,026     $ 1,215     $ 29,137     $ 33,378     $ 422,301     $ 455,679     $ -  
                                                         
As of December 31, 2011                                                        
(In thousands)                                                        
Real estate loans                                                        
One-to four-family   $ 1,379     $ 214     $ 4,140     $ 5,733       212,160     $ 217,893     $ -  
Construction     270       -       9,005       9,275       20,459       29,734       -  
Commercial real estate and multi-family     654       249       9,182       10,085       150,773       160,858       -  
Commercial business loans     396       -       1,967       2,363       34,282       36,645          
Consumer - other     467       37       387       891       32,819       33,710       -  
Total   $ 3,166     $ 500     $ 24,681     $ 28,347     $ 450,493     $ 478,840     $ -  

 

Nonperforming loans (defined as nonaccrual loans and TDRs) totaled $29.1 million at June 30, 2012 compared to $24.7 million at December 31, 2011 ($1.3 million of which at both dates is fully guaranteed by the U.S. Small Business Administration). The amount of income that was contractually due but not recognized on nonperforming loans totaled $329,000 and $1.3 million for the quarter and six months ended June 30, 2012, respectively, compared with $365,000 for the year ended December 31, 2011.

 

At June 30 2012, there were no loans 90 or more days past due and still accruing interest. At June 30, 2012, the Company had 106 loans on non-accrual status with foregone interest for the period since the loans were placed on non-accrual status in the amount of approximately $1.3 million. Included in these loans were 46 loans which were not 90 days past due, but were placed on non-accrual status as a result of a recent modification or the identification of a weakness on the loan.

 

The Company accounts for impaired loans in accordance with GAAP. An impaired loan generally is one for which it is probable, based on current information, that the lender will not collect all the amounts due under the contractual terms of the loan. Loans are individually evaluated for impairment. When the Company classifies a problem asset as impaired, it makes a specific allowance for that portion of the asset that is deemed uncollectible.

 

At June 30, 2012, the Company had $27.8 million of loans which were considered to be impaired, with a valuation allowance of $305,000, compared to $19.4 million of such loans at December 31, 2011 with a valuation allowance of $1.1 million. The increase is primarily due to the classification of the following as impaired during the period: three residential development loans, fourteen commercial real estate loans, ten commercial loans secured by business assets, fifteen residential mortgage loans and four home equity loans. The increases were partially offset by removing from impaired status: one residential mortgage loan, three home equity loans and six commercial business loans. Additionally, $1.1 million of specific allowances that were allowed under previous regulatory supervision, were charged off against the loan balances as required under current regulatory supervision.

  

The following tables are a summary of impaired loans by class of loans as of June 30, 2012 and December 31, 2011:

 

          Unpaid           Average     Interest  
    Carrying     Principal     Related     Carrying     Income  
As of June 30, 2012   Amount     Balance     Allowance     Amount     Recognized  
    (In thousands)  
Impaired loans without valuation allowance:                                        
Real estate loans                                        
One-to four-family   $ 4,621     $ 5,002     $ -     $ 4,784     $ 84  
Construction     10,339       12,205       -       10,485       80  
Commercial real estate and multi-family     9,109       10,390       -       9,195       85  
Commercial business loans     763       1,811       -       937       7  
Consumer - other     221       397       -       259       6  
Total impaired loans without valuation allowance     25,053       29,805       -       25,660       262  
Impaired loans with valuation allowance:                                        
Real estate loans                                        
Construction     2,717       3,439       305       2,958       59  
Total impaired loans with valuation allowance     2,717       3,439       305       2,958       59  
Total impaired loans   $ 27,770     $ 33,244     $ 305     $ 28,618     $ 321  

 

          Unpaid           Average     Interest  
    Carrying     Principal     Related     Carrying     Income  
As of December 31, 2011   Amount     Balance     Allowance     Amount     Recognized  
    (In thousands)  
Impaired loans without valuation allowance:                                        
Real estate loans                                        
One-to four-family   $ 1,360     $ 1,375     $ -     $ 1,368     $ 42  
Construction     959       959       -       944       5  
Commercial real estate and multi-family     3,334       3,352       -       3,370       201  
Commercial business loans     2,870       3,094       -       239       80  
Consumer - other     101       353       -       206       1  
Total impaired loans without valuation allowance     8,624       9,133       -       6,127       329  
Impaired loans with valuation allowance:                                        
Real estate loans                                        
One-to four-family     1,361       1,361       109       1,362       42  
Construction     7,515       8,980       510       4,173       279  
Commercial real estate and multi-family     1,088       1,088       336       1,097       24  
Commercial business loans     715       715       46       662       35  
Consumer - other     124       124       71       125       6  
Total impaired loans with valuation allowance     10,803       12,268       1,072       7,419       386  
Total impaired loans   $ 19,427     $ 21,401     $ 1,072     $ 13,546     $ 715  

 

Loan modifications are generally performed at the request of the individual borrower and may include reduction in interest rates, changes in payments, and maturity date extensions. TDRs are loans for which the original contractual terms of the loans have been modified and both of the following conditions exist: (i) the restructuring constitutes a concession (including reduction of interest rates or extension of maturity dates) and (ii) the borrower is experiencing financial difficulties. Loans are not classified as TDRs when the modification is short-term or results in only an insignificant delay or shortfall in the payments to be received. The Company’s loan modifications are determined on a case-by-case basis in connection with ongoing loan collection processes.

  

The following table displays information for impaired loans modified through a TDR at June 30, 2012 and December 31, 2011:

 

    As of     As of  
    June 30,     December 31,  
(In thousands)   2012     2011  
             
Aggregate recorded investment of impaired loans with terms modified through a troubled debt restructuring:                
Accruing interest   $ 656     $ 416  
Nonaccrual     10,565       12,235  
Total   $ 11,221     $ 12,651  

 

The following table presents a summary of loans that were restructured during the six months ended June 30, 2012 and for the year ended December 31, 2011:

 

    For the Six Months Ended June 30, 2012  
(Dollars in thousands)   Number
of Loans		     Pre-
Modification
Recorded
Investment		     Funds
Disbursed		     Interest and
Escrow
Capitalized		     Post-
Modification
Recorded
Investment		  
                               
Real estate loans:                                        
One-to four-family     4     $ 989     $ -     $ 3     $ 992  
Multi-family and commercial real estate     1       426       -       -       426  
Consumer loans:                                        
Home equity     3       123       -       -       123  
Total TDRs restructured during the period     8     $ 1,538     $ -     $ 3     $ 1,541  
                                         
TDRs, still accruing interest     3     $ 567     $ -     $ -     $ 567  
TDRs, included in nonaccrual     5       971       -       3       974  
Total     8     $ 1,538     $ -     $ 3     $ 1,541  

 

    For the Year Ended December 31, 2011  
(Dollars in thousands)   Number
of Loans		     Pre-
Modification
Recorded
Investment		     Funds
Disbursed		     Interest and
Escrow
Capitalized		     Post-
Modification
Recorded
Investment		  
                               
Real estate loans:                                        
One-to-four family     2     $ 310     $ -     $ -     $ 310  
Construction     1       48       30       -       78  
Commercial real estate and multi-family     5       3,736       19       59       3,814  
Commercial business loans     3       673       -       -       673  
Total TDRs restructured during the period     11     $ 4,767     $ 49     $ 59     $ 4,875  
                                         
TDRs, still accruing interest     -     $ -     $ -     $ -     $ -  
TDRs, included in nonaccrual     11       4,767       49       59       4,875  
Total     11     $ 4,767     $ 49     $ 59     $ 4,875  

 

The specific allowances for loan losses on TDRs is determined by discounting the restructured cash flows at the original effective rate of the loan before modification or is based on the underlying collateral value less costs to sell, if repayment of the loan is considered collateral-dependent. If the resulting amount is less than the recorded book value, the Company either establishes a specific valuation allowance as a component of the allowance for loan losses, or charges off the impaired balance if it determines that such amount is a confirmed loss. This method is used consistently for all segments of the portfolio. The allowance for loan losses also includes an allowance based on a loss migration analysis for each loan category for loans that are not individually evaluated for specific impairment. All loans charged-off, including TDRs charged-off, are factored into this calculation by portfolio segment. During the six months ended June 30, 2012, the Company charged off $2.1 million of loans previously classified as TDRs, on which there were $743,000 of related specific allowances.
XML 47 R14.htm IDEA: XBRL DOCUMENT v2.4.0.6
EARNINGS PER SHARE
 6 Months Ended
Jun. 30, 2012
Earnings Per Share [Abstract]  
Earnings Per Share [Text Block]

NOTE 7 - EARNINGS PER SHARE

 

Basic earnings per common share is calculated by dividing the net income available to common stockholders by the weighted-average number of common shares outstanding during the period. Diluted earnings per common share is computed in a manner similar to basic earnings per common share except that the weighted-average number of common shares outstanding is increased to include the incremental common shares (as computed using the treasury stock method) that would have been outstanding if all potentially dilutive common stock equivalents were issued during the period. The Company's common stock equivalents are comprised of stock options and restricted stock awards. Anti-dilutive shares are common stock equivalents with weighted-average exercise prices in excess of the weighted-average market value for the periods presented. For the three and six months ended June 30, 2012, anti-dilutive options excluded from the calculations totaled 278,813 options (with an exercise price of $11.12) and 5,886 options (with an exercise price of $12.51). For the three and six months ended June 30, 2011, anti-dilutive options excluded from the calculations totaled 315,827 options (with an exercise price of $11.12) and 7,483 options (with an exercise price of $12.51). Unallocated common shares held by the ESOP are not included in the weighted-average number of common shares outstanding for purposes of calculating either basic or diluted net income per common share.

 

    Three Months Ended     Six Months Ended  
    June 30,     June 30,  
    2012     2011     2012     2011  
                   
Net income (loss)   $ (715,000 )   $ 505,000     $ (1,692,000 )   $ 901,000  
                                 
Weighted-average common shares outstanding:                                
Basic     6,610,729       6,826,963       6,610,766       6,827,055  
Effect of dilutive stock options and restrictive stock awards     -       -       -       -  
Diluted     6,610,729       6,826,963       6,610,766       6,827,055  
                                 
Earnings (loss) per common share:                                
Basic   $ (0.11 )   $ 0.07     $ (0.26 )   $ 0.13  
Diluted   $ (0.11 )   $ 0.07     $ (0.26 )   $ 0.13
XML 48 R16.htm IDEA: XBRL DOCUMENT v2.4.0.6
EQUITY INCENTIVE PLAN
 6 Months Ended
Jun. 30, 2012
Equity Incentive Plan Disclosure [Abstract]  
Equity Incentive Plan Disclosure [Text Block]

NOTE 9 - EQUITY INCENTIVE PLAN

 

Under the Naugatuck Valley Financial Corporation 2005 Equity Incentive Plan (the “Incentive Plan”), the Company may grant up to 371,794 stock options and 148,717 shares of restricted stock to its employees, officers and directors for an aggregate amount of up to 520,511 shares of the Company’s common stock for issuance upon the grant or exercise of awards. Both incentive stock options and non-statutory stock options may be granted under the Incentive Plan.

 

The amounts and terms of the awards granted under the Incentive Plan are summarized in the following table.

 

    Grant date  
    July 26,     December 18,     March 20,     March 21,  
    2008     2007     2007     2006  
                         
Option awards                                
Awarded     997       1,995       7,483       6,485  
Exercise price   $ 11.12     $ 11.12     $ 12.51     $ 11.12  
Maximum term in years     10       10       10       10  
Restricted stock awards                                
Awarded     997       2,993       1,995       1,496  

 

To date, stock option awards have been granted with an exercise price equal to the higher of the market price of the Company’s stock at the date of grant or $11.12, which was the market price of the Company’s stock at the date stock option awards were initially granted under the Incentive Plan. All granted stock options and restricted stock awards vest at 20% per year beginning on the first anniversary of the date of grant.

 

Stock options and restricted stock awards are considered common stock equivalents for the purpose of computing earnings per share on a diluted basis.

 

The Company records share-based compensation expense related to outstanding stock option and restricted stock awards based upon the fair value at the date of grant over the vesting period of such awards on a straight-line basis. The fair value of each restricted stock allocation, based on the market price at the date of grant, is recorded to unearned stock awards. Compensation expenses related to unearned restricted shares are amortized to compensation, taxes and benefits expense over the vesting period of the restricted stock awards. The fair value of each stock option award is estimated on the date of grant using the Black-Scholes option pricing method as described below. The Company recorded share-based compensation expense of $2,065 and $3,148 for the three and six months ended June 30, 2012, respectively, compared to $4,550 and $10,301 for the three and six months ended June 30, 2011, respectively, in connection with the stock option and restricted stock awards.

  

The fair value of each stock option award is estimated on the date of grant using the Black-Scholes option pricing method which includes several assumptions such as volatility, expected dividends, expected term and risk-free rate for each stock option award. In determining the expected term of the option awards, the Company elected to follow the simplified method as permitted by the SEC Staff Accounting Bulletin 107. Under this method, the Company has estimated the expected term of the options as being equal to the average of the vesting term plus the original contractual term. The Company estimated its volatility using the historical volatility of other, similar companies during a period of time equal to the expected life of the options. The risk-free rate for the periods within the contractual life of the options is based upon the U.S. Treasury yield curve in effect at the time of grant. Assumptions used to determine the weighted-average fair value of stock options granted were as follows:

 

    July 26,     December 18,     March 20,     March 21,  
Grant date   2008     2007     2007     2006  
                         
Dividend yield     2.74 %     2.20 %     1.60 %     1.89 %
Expected volatility     13.40 %     11.00 %     10.49 %     11.20 %
Risk-free rate     3.56 %     3.63 %     4.48 %     4.61 %
Expected life in years     6.5       6.5       6.5       6.5  
                                 
Weighted average fair value of options at grant date   $ 1.51     $ 1.18     $ 2.55     $ 2.25  
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LOANS RECEIVABLE (Details 5) (USD $)
In Thousands, unless otherwise specified
Jun. 30, 2012
Dec. 31, 2011
Accruing interest $ 656 $ 416
Nonaccrual 10,565 12,235
Total $ 11,221 $ 12,651

XML 51 R21.htm IDEA: XBRL DOCUMENT v2.4.0.6
LOANS RECEIVABLE (Tables)
 6 Months Ended
Jun. 30, 2012
Receivables [Abstract]  
Schedule Of Composition Of Loans Receivable Table [Text Block]

A summary of loans receivable at June 30, 2012 and December 31, 2011 is as follows:

 

    June 30,     December 31,  
(Dollars in thousands)   2012     2011  
             
Real estate loans:                
One-to four-family   $ 208,653     $ 217,893  
Commercial real estate and multi-family     150,083       160,858  
Construction     33,399       29,734  
Total real estate loans     392,135       408,485  
                 
Commercial business loans     32,869       36,645  
Consumer loans:                
Home equity     29,277       32,157  
Savings accounts     749       847  
Automobile     487       509  
Personal     162       197  
Total consumer loans     30,675       33,710  
Totals loans     455,679       478,840  
                 
Less:                
Allowance for loan losses     8,399       8,053  
Undisbursed construction loans     2,574       3,489  
Deferred loan origination fees, net     280       333  
Loans receivable, net   $ 444,426     $ 466,965  
                 
Weighted average yield     5.16 %     5.29 %
Allowance for Credit Losses on Financing Receivables [Table Text Block]

 

    One-to Four-
Family		     Construction     Commercial
Real Estate		     Commercial     Consumer     Total  
As of and for the Six Months
Ended June 30, 2012		                                                
(In thousands)                                                
Allowance for loan losses:                                                
Beginning balance   $ 1,745     $ 1,327     $ 3,745     $ 754     $ 482     $ 8,053  
Provision for loan losses     611       374       901       2,081       152       4,119  
Charge-offs     (347 )     (629 )     (1,245 )     (1,416 )     (146 )     (3,783 )
Recoveries     4       -       -       5       1       10  
Ending balance   $ 2,013     $ 1,072     $ 3,401     $ 1,424     $ 489     $ 8,399  
Ending loan balance individually evaluated for impairment   $ 4,636     $ 13,209     $ 8,892     $ 801     $ 175     $ 27,713  
Ending loan balance collectively evaluated for impairment   $ 204,017     $ 20,190     $ 141,191     $ 32,068     $ 30,500     $ 427,966  
                                                 
As of and for the Year Ended
December 31, 2011		                                                
(In thousands)                                                
Allowance for loan losses:                                                
Beginning balance   $ 1,585     $ 600     $ 2,714     $ 884     $ 610     $ 6,393  
Provision for loan losses     377       1,449       1,942       383       142       4,293  
Charge-offs     (217 )     (722 )     (911 )     (516 )     (271 )     (2,637 )
Recoveries     -       -       -       3       1       4  
Ending balance   $ 1,745     $ 1,327     $ 3,745     $ 754     $ 482     $ 8,053  
Ending loan balance individually evaluated for impairment   $ 2,721     $ 8,474     $ 4,422     $ 3,585     $ 225     $ 19,427  
Ending loan balance collectively evaluated for impairment   $ 215,172     $ 21,260     $ 156,436     $ 33,060     $ 33,485     $ 459,413
Financing Receivable Credit Quality Indicators [Table Text Block]

The following tables are a summary of the loan portfolio quality indicators by loan class as of June 30, 2012 and December 31, 2011:

 

Commercial Loans  - Credit Risk Profile by Internally Assigned Grade:  
      At June 30, 2012     At December 31, 2011  
(In thousands)     Commercial
Loans		     Commercial
Real Estate
Construction		     Commercial
Real Estate		     Commercial
Loans		     Commercial
Real Estate
Construction		     Commercial
Real Estate		  
Grade:                                                  
4     $ 6,284     $ -     $ 35,141     $ 6,659     $ 216     $ 40,769  
5       19,103       10,308       81,890       21,941       7,463       88,089  
6       4,524       4,268       19,099       2,072       5,948       15,383  
7       2,750       12,539       13,953       5,235       8,595       16,004  
8       208       -       -       738       -       613  
Total     $ 32,869     $ 27,115     $ 150,083     $ 36,645     $ 22,222     $ 160,858  
                                                     

Consumer Loans - Credit Risk Profile by Internally Assigned Grade:
    At June 30, 2012     At December 31, 2011  
(In thousands)   Residential -
Prime		     Residential -
Construction		     Residential -
Prime		     Residential -
Construction		  
                         
Grade:                                
Pass   $ 202,420     $ 6,284     $ 213,049     $ 7,512  
Special Mention     308       -       746       -  
Substandard     5,925       -       4,098       -  
Doubtful     -       -       -       -  
Total   $ 208,653     $ 6,284     $ 217,893     $ 7,512  

 

Consumer Loans - Credit Risk Profile Based on Payment Activity:
          At June 30, 2012           At December 31, 2011  
(In thousands)         Consumer - Other           Consumer - Other  
Grade:                                
Performing         $ 30,286           $ 33,323  
Nonperforming             389               387  
Total           $ 30,675             $ 33,710
Past Due Financing Receivables [Table Text Block]

The following tables set forth certain information with respect to our loan portfolio delinquencies by loan class and amount as of June 30, 2012 and December 31, 2011:

 

    Credit Quality Information  
                Greater                       Carrying  
                Than                       Amount > 90  
    31-60 Days     61-90 Days     90 Days     Total Past                 Days and  
    Past Due     Past Due     (Nonaccrual)     Due     Current     Total Loans     Accruing  
As of June 30, 2012                                          
(In thousands)                                                        
Real estate loans                                                        
One-to four-family   $ 1,539     $ -     $ 4,715     $ 6,254       208,683     $ 214,937     $ -  
Construction     -       480       11,525       12,005       15,110       27,115       -  
Commercial real estate and multi-family     750       40       10,828       11,618       138,465       150,083       -  
Commercial business loans     347       695       1,680       2,722       30,147       32,869          
Consumer - other     390       -       389       779       29,896       30,675       -  
Total   $ 3,026     $ 1,215     $ 29,137     $ 33,378     $ 422,301     $ 455,679     $ -  
                                                         
As of December 31, 2011                                                        
(In thousands)                                                        
Real estate loans                                                        
One-to four-family   $ 1,379     $ 214     $ 4,140     $ 5,733       212,160     $ 217,893     $ -  
Construction     270       -       9,005       9,275       20,459       29,734       -  
Commercial real estate and multi-family     654       249       9,182       10,085       150,773       160,858       -  
Commercial business loans     396       -       1,967       2,363       34,282       36,645          
Consumer - other     467       37       387       891       32,819       33,710       -  
Total   $ 3,166     $ 500     $ 24,681     $ 28,347     $ 450,493     $ 478,840     $ -

 
Schedule Of Impaired Loans Receivable [Table Text Block]

The following tables are a summary of impaired loans by class of loans as of June 30, 2012 and December 31, 2011:

 

          Unpaid           Average     Interest  
    Carrying     Principal     Related     Carrying     Income  
As of June 30, 2012   Amount     Balance     Allowance     Amount     Recognized  
    (In thousands)  
Impaired loans without valuation allowance:                                        
Real estate loans                                        
One-to four-family   $ 4,621     $ 5,002     $ -     $ 4,784     $ 84  
Construction     10,339       12,205       -       10,485       80  
Commercial real estate and multi-family     9,109       10,390       -       9,195       85  
Commercial business loans     763       1,811       -       937       7  
Consumer - other     221       397       -       259       6  
Total impaired loans without valuation allowance     25,053       29,805       -       25,660       262  
Impaired loans with valuation allowance:                                        
Real estate loans                                        
Construction     2,717       3,439       305       2,958       59  
Total impaired loans with valuation allowance     2,717       3,439       305       2,958       59  
Total impaired loans   $ 27,770     $ 33,244     $ 305     $ 28,618     $ 321  

 

          Unpaid           Average     Interest  
    Carrying     Principal     Related     Carrying     Income  
As of December 31, 2011   Amount     Balance     Allowance     Amount     Recognized  
    (In thousands)  
Impaired loans without valuation allowance:                                        
Real estate loans                                        
One-to four-family   $ 1,360     $ 1,375     $ -     $ 1,368     $ 42  
Construction     959       959       -       944       5  
Commercial real estate and multi-family     3,334       3,352       -       3,370       201  
Commercial business loans     2,870       3,094       -       239       80  
Consumer - other     101       353       -       206       1  
Total impaired loans without valuation allowance     8,624       9,133       -       6,127       329  
Impaired loans with valuation allowance:                                        
Real estate loans                                        
One-to four-family     1,361       1,361       109       1,362       42  
Construction     7,515       8,980       510       4,173       279  
Commercial real estate and multi-family     1,088       1,088       336       1,097       24  
Commercial business loans     715       715       46       662       35  
Consumer - other     124       124       71       125       6  
Total impaired loans with valuation allowance     10,803       12,268       1,072       7,419       386  
Total impaired loans   $ 19,427     $ 21,401     $ 1,072     $ 13,546     $ 715
Impaired Loans Modified Tdr [Table Text Block]

The following table displays information for impaired loans modified through a TDR at June 30, 2012 and December 31, 2011:

 

    As of     As of  
    June 30,     December 31,  
(In thousands)   2012     2011  
             
Aggregate recorded investment of impaired loans with terms modified through a troubled debt restructuring:                
Accruing interest   $ 656     $ 416  
Nonaccrual     10,565       12,235  
Total   $ 11,221     $ 12,651
Troubled Debt Restructurings on Financing Receivables [Table Text Block]

The following table presents a summary of loans that were restructured during the six months ended June 30, 2012 and for the year ended December 31, 2011:

 

    For the Six Months Ended June 30, 2012  
(Dollars in thousands)   Number
of Loans		     Pre-
Modification
Recorded
Investment		     Funds
Disbursed		     Interest and
Escrow
Capitalized		     Post-
Modification
Recorded
Investment		  
                               
Real estate loans:                                        
One-to four-family     4     $ 989     $ -     $ 3     $ 992  
Multi-family and commercial real estate     1       426       -       -       426  
Consumer loans:                                        
Home equity     3       123       -       -       123  
Total TDRs restructured during the period     8     $ 1,538     $ -     $ 3     $ 1,541  
                                         
TDRs, still accruing interest     3     $ 567     $ -     $ -     $ 567  
TDRs, included in nonaccrual     5       971       -       3       974  
Total     8     $ 1,538     $ -     $ 3     $ 1,541  

 

    For the Year Ended December 31, 2011  
(Dollars in thousands)   Number
of Loans		     Pre-
Modification
Recorded
Investment		     Funds
Disbursed		     Interest and
Escrow
Capitalized		     Post-
Modification
Recorded
Investment		  
                               
Real estate loans:                                        
One-to-four family     2     $ 310     $ -     $ -     $ 310  
Construction     1       48       30       -       78  
Commercial real estate and multi-family     5       3,736       19       59       3,814  
Commercial business loans     3       673       -       -       673  
Total TDRs restructured during the period     11     $ 4,767     $ 49     $ 59     $ 4,875  
                                         
TDRs, still accruing interest     -     $ -     $ -     $ -     $ -  
TDRs, included in nonaccrual     11       4,767       49       59       4,875  
Total     11     $ 4,767     $ 49     $ 59     $ 4,875
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NATURE OF OPERATIONS (Details Textual) (USD $)
 1 Months Ended
Jun. 29, 2011
Stock Issued During Period, Shares, New Issues 4,173,008
Sale of Stock, Price Per Share $ 8.00
Company's stock offering and concurrent second-step conversion ratio 0.9978
Proceeds From Reorganization and Stock Offering $ 31,300,000
Payments of Stock Issuance Costs $ 2,100,000
Employee Stock Ownership Plan [Member]
  
Share-based Compensation Arrangement by Share-based Payment Award, Shares Purchased for Award 250,380
Federal Corporation [Member]
  
Shares, Issued 2,829,358
Company's stock offering and concurrent second-step conversion ratio 0.9978
Common Stock, Other Shares, Outstanding 7,002,366
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EQUITY INCENTIVE PLAN (Details 1) (USD $)
 1 Months Ended
Jul. 26, 2008
Dec. 18, 2007
Mar. 20, 2007
Mar. 21, 2006
Dividend yield 2.74% 2.20% 1.60% 1.89%
Expected volatility 13.40% 11.00% 10.49% 11.20%
Risk-free rate 3.56% 3.63% 4.48% 4.61%
Expected life in years 6 years 6 months 6 years 6 months 6 years 6 months 6 years 6 months
Weighted average fair value of options at grant date $ 1.51 $ 1.18 $ 2.55 $ 2.25
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Consolidated Statements of Changes in Stockholder's Equity (USD $)
In Thousands
Common Stock [Member]
Additional Paid-In Capital [Member]
Retained Earnings [Member]
Unearned Esop Shares [Member]
Unearned Stock Awards [Member]
Treasury Stock [Member]
Accumulated Other Comprehensive Income (Loss) [Member]
Total
Balance at Dec. 31, 2011 $ 70 $ 58,908 $ 27,014 $ (3,442) $ (14) $ (1) $ (221) $ 82,314
Dividends declared ($0.06 per common share) 0 0 (397) 0 0 0 0 (397)
Stock based compensation (199 shares vested and 199 shares forfeited) 0 0 (3) 0 5 0 0 2
Stock based compensation options 0 1 0 0 0 0 0 1
Treasury stock acquired (84 shares) 0 0 0 0 0 0 0 0
Comprehensive income (loss) 0 0 (1,692) 0 0 0 427 (1,265)
Balance at Jun. 30, 2012 $ 70 $ 58,909 $ 24,922 $ (3,442) $ (9) $ (1) $ 206 $ 80,655
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CRITICAL ACCOUNTING POLICIES
 6 Months Ended
Jun. 30, 2012
Accounting Policies [Abstract]  
Significant Accounting Policies [Text Block]

NOTE 3 - CRITICAL ACCOUNTING POLICIES

 

The Company considers accounting policies involving significant judgments and assumptions by management that have, or could have, a material impact on the carrying value of certain assets or on income to be critical accounting policies. The accounting policies related to loans and the allowance for loan losses are presented below. For a summary of all other significant accounting policies, please refer to Note 4, “Summary of Significant Accounting Policies”, contained in the Company’s Annual Report on Form 10-K/A for the year ended December 31, 2011.

 

Allowance for Loan Losses. Determining the amount of the allowance for loan losses necessarily involves a high degree of judgment. Although the Company believes that it uses the best information available to establish the allowance for loan losses, future additions to the allowance may be necessary based on estimates that are susceptible to change as a result of changes in economic conditions and other factors. Management reviews the level of the allowance on a quarterly basis, at a minimum, and establishes the provision for loan losses based on the composition of the loan portfolio, delinquency levels, loss experience, economic conditions, and other factors related to the collectability of the loan portfolio.

 

The Company engages an independent review of its commercial loan portfolio on a quarterly basis and considers adjustments to its loan ratings based upon this review. In addition, the Company’s regulatory authorities, as an integral part of their examination process, periodically review the Company’s allowance for loan losses and may require the Company to recognize adjustments to the allowance based on their judgments about information available to them at the time of their examination.

 

Impaired Loans - Impaired loans consist of non-accrual loans and troubled debt restructurings (“TDRs”) in accordance with applicable authoritative accounting guidance. With the exception of loans that were restructured and still accruing interest, a loan is considered impaired when, based on current information and events, it is probable that the Company will be unable to collect all contractual principal and interest due according to the terms of the loan agreement. Loans deemed to be impaired are classified as non-accrual.

 

Impairment is measured by estimating the value of the loan based on the present value of expected future cash flows discounted at the loan’s initial effective interest rate or the fair value of the underlying collateral less costs to sell, if repayment of the loan is considered collateral-dependent. All impaired loans are included in non-performing assets.

 

Non-accrual loans. Loans are automatically placed on non-accrual status when payment of principal or interest is more than 90 days delinquent. Loans are also placed on non-accrual status if collection of principal or interest in full is in doubt or if the loan has been restructured. When loans are placed on non-accrual status, unpaid accrued interest is fully reversed, and further income is recognized only to the extent received. The loan may be returned to accrual status if unpaid principal and interest are repaid so that the loan is less than 90 days delinquent.

 

Troubled Debt Restructurings. TDRs are loans for which the original contractual terms of the loans have been modified and both of the following conditions exist: (i) the restructuring constitutes a concession (including reduction of interest rates or extension of maturity dates) and (ii) the borrower is experiencing financial difficulties. Loans are not classified as TDRs when the modification is short-term or results in only an insignificant delay or shortfall in the payments to be received. The Company’s TDRs are determined on a case-by-case basis in connection with ongoing loan collection processes.

 

The Company does not accrue interest on any TDRs unless it believes collection of all principal and interest under the modified terms is reasonably assured. Generally, six consecutive months of payment performance by the borrower under the restructured terms is required before a TDR is returned to accrual status assuming the loan is restructured at market rates. However, the period could vary depending upon the individual facts and circumstances of the loan.

 

For a TDR to begin accruing interest, the borrower must demonstrate both some level of performance and the capacity to perform under the modified terms. A history of timely payments and adherence to financial covenants generally serve as sufficient evidence of the borrower’s performance. An evaluation of the borrower’s current creditworthiness is used to assess whether the borrower has the capacity to repay the loan under the modified terms. This evaluation includes an estimate of expected cash flows, evidence of strong financial position, and estimates of the value of collateral, if applicable.
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INVESTMENT SECURITIES (Details) (USD $)
In Thousands, unless otherwise specified
Jun. 30, 2012
Dec. 31, 2011
Available-for-sale securities:    
Amortized Cost Basis $ 26,070 $ 24,996
Gross Unrealized Gains 786 908
Gross Unrealized Losses (344) (853)
Fair Value 26,512 25,051
Held-to-maturity securities:    
Amortized Cost Basis 29,379 25,292
Gross Unrealized Gains 818 387
Gross Unrealized Losses 0 (9)
Fair Value 30,197 25,670
Us Government Agencies Debt Securities [Member]
    
Available-for-sale securities:    
Amortized Cost Basis 1,010 1,014
Gross Unrealized Gains 40 54
Gross Unrealized Losses 0 0
Fair Value 1,050 1,068
Mortgage-Backed Securities, Issued By Us Government Sponsored Enterprises [Member]
    
Available-for-sale securities:    
Amortized Cost Basis 15,698 13,919
Gross Unrealized Gains 728 844
Gross Unrealized Losses (28) 0
Fair Value 16,398 14,763
Held-to-maturity securities:    
Amortized Cost Basis 29,379 25,292
Gross Unrealized Gains 818 387
Gross Unrealized Losses 0 (9)
Fair Value 30,197 25,670
Collateralized Mortgage Backed Securities [Member]
    
Available-for-sale securities:    
Amortized Cost Basis 1,328 1,711
Gross Unrealized Gains 18 10
Gross Unrealized Losses 0 0
Fair Value 1,346 1,721
Mortgage-Backed Securities, Issued By Private Enterprises [Member]
    
Available-for-sale securities:    
Amortized Cost Basis 334 352
Gross Unrealized Gains 0 0
Gross Unrealized Losses (67) (97)
Fair Value 267 255
Debt Securities [Member]
    
Available-for-sale securities:    
Amortized Cost Basis 18,370 16,996
Gross Unrealized Gains 786 908
Gross Unrealized Losses (95) (97)
Fair Value 19,061 17,807
Auction-Rate Trust Preferred Securities [Member]
    
Available-for-sale securities:    
Amortized Cost Basis 7,700 8,000
Gross Unrealized Gains 0 0
Gross Unrealized Losses (249) (756)
Fair Value $ 7,451 $ 7,244
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 3 Months Ended 6 Months Ended
Mar. 31, 2012
Mar. 31, 2011
Jun. 30, 2012
Jun. 30, 2011
11.12 Exercise Price [Member]
        
Antidilutive Securities Excluded from Computation of Earnings Per Share, Amount 278,813 315,827 278,813 315,827
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12.51 Exercise Price [Member]
        
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INVESTMENT SECURITIES (Tables)
 6 Months Ended
Jun. 30, 2012
Investments, Debt and Equity Securities [Abstract]  
Schedule Of Available For Sale Securities and Held To Maturity Securities [Table Text Block]

At June 30, 2012, the composition of the investment portfolio was:

 

    Amortized     Gross Unrealized     Fair  
(In thousands)     Cost Basis     Gains     Losses     Value  
Available-for-sale securities:                                
U.S. government and agency obligations   $ 1,010     $ 40     $ -     $ 1,050  
Government guaranteed mortgage-backed securities     15,698       728       (28 )     16,398  
Government guaranteed collateralized mortgage obligations     1,328       18       -       1,346  
Private label collateralized mortgage obligations     334       -       (67 )     267  
Total debt securities     18,370       786       (95 )     19,061  
Auction-rate trust preferred securities     7,700       -       (249 )     7,451  
                                 
Total available-for-sale securities     $ 26,070     $ 786     $ (344 )   $ 26,512  

 

    Amortized     Gross Unrealized     Fair  
(In thousands)     Cost Basis     Gains     Losses     Value  
Held-to-maturity securities:                                
Government guaranteed mortgage-backed securities   $ 29,379     $ 818     $ -     $ 30,197  
                                 
Total held-to-maturity securities     $ 29,379     $ 818     $ -     $ 30,197  

 

At December 31, 2011, the composition of the investment portfolio was:

 

    Amortized     Gross Unrealized     Fair  
(In thousands)   Cost Basis     Gains     Losses     Value  
Available-for-sale securities:                                
U.S. government and agency obligations   $ 1,014     $ 54     $ -     $ 1,068  
Government guaranteed mortgage-backed securities     13,919       844       -       14,763  
Government guaranteed collateralized mortgage obligations     1,711       10       -       1,721  
Private label collateralized mortgage obligations     352       -       (97 )     255  
Total debt securities     16,996       908       (97 )     17,807  
Auction-rate trust preferred securities     8,000       -       (756 )     7,244  
                                 
Total available-for-sale securities   $ 24,996     $ 908     $ (853 )   $ 25,051  

 

    Amortized     Gross Unrealized     Fair  
(In thousands)   Cost Basis     Gains     Losses     Value  
Held-to-maturity securities:                                
Government guaranteed mortgage-backed securities   $ 25,292     $ 387     $ (9 )   $ 25,670  
                                 
Total held-to-maturity securities   $ 25,292     $ 387     $ (9 )   $ 25,670
Schedule of Unrealized Loss on Investments [Table Text Block]

The following is a summary of the fair values and related unrealized losses aggregated by investment category and length of time that individual securities have been in a continuous unrealized loss position at June 30, 2012, and December 31, 2011.

 

    At June 30, 2012  
    Securities in Continuous Unrealized  
    Loss Position Less Than 12 Months  
    Number of     Market     Unrealized  
(Dollars in thousands)   Securities     Value     Loss  
                   
Government guaranteed mortgage backed securities   2     $ 4,005     $ (28 )
                         
Total securities in unrealized loss position   2     $ 4,005     $ (28 )

 

    Securities in Continuous Unrealized  
    Loss Position 12 or More Consecutive Months  
    Number of     Market     Unrealized  
(Dollars in thousands)   Securities     Value     Loss  
                   
Private label collateralized mortgage obligations   1     $ 267     $ (67 )
Auction-rate trust preferred securities   2       2,150       (249 )
                         
Total securities in unrealized loss position   3     $ 2,417     $ (316 )

 

    At December 31, 2011  
    Securities in Continuous Unrealized  
    Loss Position Less Than 12 Months  
    Number of     Market     Unrealized  
(Dollars in thousands)   Securities     Value     Loss  
                   
Government guaranteed mortgage backed securities   2     $ 4,244     $ (9 )
                         
Total securities in unrealized loss position   2     $ 4,244     $ (9 )

 

    Securities in Continuous Unrealized  
    Loss Position 12 or More Consecutive Months  
    Number of     Market     Unrealized  
(Dollars in thousands)   Securities     Value     Loss  
                   
Private label collateralized mortgage obligations   1     $ 256     $ (97 )
Auction-rate trust preferred securities   2       1,644       (756 )
                         
Total securities in unrealized loss position   3     $ 1,900     $ (853 )