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LOANS (Tables)
 3 Months Ended
Mar. 31, 2013
LOANS [Abstract]  
Major Classifications of Loans
Major classifications of loans at March 31, 2013 and December 31, 2012 are summarized as follows:

 
2013
 
 
2012
 
Residential real estate
 
$
214,468
 
 
$
214,743
 
Multifamily real estate
 
 
28,115
 
 
 
28,673
 
Commercial real estate:
 
 
 
 
 
 
 
 
Owner occupied
 
 
102,108
 
 
 
91,902
 
Non owner occupied
 
 
175,653
 
 
 
178,849
 
Commercial and industrial
 
 
84,045
 
 
 
84,430
 
Consumer
 
 
26,057
 
 
 
28,128
 
All other
 
 
70,090
 
 
 
77,900
 
 
$
700,536
 
 
$
704,625
 
Activity in the Allowance for Loan Losses by Portfolio Segment
Activity in the allowance for loan losses by portfolio segment for the three months ending March 31, 2013 was as follows:

Loan Class
 
Balance Dec 31, 2012
 
 
Provision for loan losses
 
 
Loans charged-off
 
 
Recoveries
 
 
Balance March 31, 2013
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Residential real estate
 
$
2,163
 
 
$
(28
)
 
$
71
 
 
$
2
 
 
$
2,066
 
Multifamily real estate
 
 
331
 
 
 
16
 
 
 
-
 
 
 
-
 
 
 
347
 
Commercial real estate:
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Owner occupied
 
 
1,117
 
 
 
(158
)
 
 
67
 
 
 
299
 
 
 
1,191
 
Non owner occupied
 
 
1,888
 
 
 
79
 
 
 
-
 
 
 
-
 
 
 
1,967
 
Commercial and industrial
 
 
3,046
 
 
 
1,010
 
 
 
10
 
 
 
50
 
 
 
4,096
 
Consumer
 
 
244
 
 
 
(39
)
 
 
47
 
 
 
16
 
 
 
174
 
All other
 
 
2,699
 
 
 
(310
)
 
 
56
 
 
 
168
 
 
 
2,501
 
Total
 
$
11,488
 
 
$
570
 
 
$
251
 
 
$
535
 
 
$
12,342
 

Activity in the allowance for loan losses by portfolio segment for the three months ending March 31, 2012 was as follows:

Loan Class
 
Balance Dec 31, 2011
 
 
Provision for loan losses
 
 
Loans charged-off
 
 
Recoveries
 
 
Balance March 31, 2012
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Residential real estate
 
$
2,134
 
 
$
276
 
 
$
65
 
 
$
23
 
 
$
2,368
 
Multifamily real estate
 
 
284
 
 
 
150
 
 
 
-
 
 
 
-
 
 
 
434
 
Commercial real estate:
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Owner occupied
 
 
918
 
 
 
121
 
 
 
15
 
 
 
-
 
 
 
1,024
 
Non owner occupied
 
 
2,381
 
 
 
(22
)
 
 
38
 
 
 
-
 
 
 
2,321
 
Commercial and industrial
 
 
1,880
 
 
 
544
 
 
 
2
 
 
 
-
 
 
 
2,422
 
Consumer
 
 
298
 
 
 
47
 
 
 
66
 
 
 
26
 
 
 
305
 
All other
 
 
1,900
 
 
 
(166
)
 
 
335
 
 
 
38
 
 
 
1,437
 
Total
 
$
9,795
 
 
$
950
 
 
$
521
 
 
$
87
 
 
$
10,311
 
Purchased Loans
The Company holds purchased loans for which there was, at their acquisition date, evidence of deterioration of credit quality since their origination and it was probable, at acquisition, that all contractually required payments would not be collected.  The carrying amount of those loans is as follows at March 31, 2013 and December 31, 2012.

 
2013
 
 
2012
 
Residential real estate
 
$
197
 
 
$
202
 
Multifamily real estate
 
 
3,136
 
 
 
3,173
 
Commercial real estate
 
 
 
 
 
 
 
 
Owner occupied
 
 
269
 
 
 
271
 
Non owner occupied
 
 
5,854
 
 
 
5,896
 
Commercial and industrial
 
 
498
 
 
 
511
 
All other
 
 
4,471
 
 
 
4,496
 
Total carrying amount
 
$
14,425
 
 
$
14,549
 
 
 
 
 
 
 
 
 
Carrying amount, net of allowance
 
$
13,925
 
 
$
14,049
 
Purchase Loans Accretable Yield, or Income Expected to be Collected
The accretable yield, or income expected to be collected, on the purchased loans above is as follows at March 31, 2013 and March 31, 2012.  There was no accretable yield on the purchased loans above prior to October 1, 2012.

 
2013
 
 
2012
 
Balance at January 1
 
$
635
 
 
$
-
 
New loans purchased
 
 
-
 
 
 
-
 
Accretion of income
 
 
(9
)
 
 
-
 
Reclassifications from non-accretable difference
 
 
-
 
 
 
-
 
Disposals
 
 
-
 
 
 
-
 
Balance at December 31
 
$
626
 
 
$
-
 
Past Due and Non-performing Loans
The following tables present the recorded investment in nonaccrual and loans past due over 90 days still on accrual by class of loans as of March 31, 2013 and December 31 2012.  The recorded investment in non-accrual loans is less than the principal owed on non-accrual loans due to discounts applied to the carrying value of the loan at time of their acquisition and interest payments made by the borrower which have been used to reduce the recorded investment in the loan rather than recognized as interest income.

March 31, 2013
 
Principal Owed on Non-accrual Loans
 
 
Recorded Investment in Non-accrual Loans
 
 
Loans Past Due Over 90 Days, still accruing
 
 
 
 
 
 
 
 
 
 
Residential  real estate
 
$
3,125
 
 
$
2,780
 
 
$
2,363
 
Multifamily real estate
 
 
5,534
 
 
 
4,313
 
 
 
1,634
 
Commercial real estate
 
 
 
 
 
 
 
 
 
 
 
 
Owner occupied
 
 
1,013
 
 
 
837
 
 
 
836
 
Non owner occupied
 
 
3,224
 
 
 
2,131
 
 
 
592
 
Commercial and industrial
 
 
12,880
 
 
 
11,229
 
 
 
852
 
Consumer
 
 
179
 
 
 
165
 
 
 
-
 
All other
 
 
12,661
 
 
 
5,260
 
 
 
252
 
Total
 
$
38,616
 
 
$
26,715
 
 
$
6,529
 

December 31, 2012
 
Principal Owed on Non-accrual Loans
 
 
Recorded Investment in Non-accrual Loans
 
 
Loans Past Due Over 90 Days, still accruing
 
 
 
 
 
 
 
 
 
 
Residential  real estate
 
$
3,145
 
 
$
2,813
 
 
$
208
 
Multifamily real estate
 
 
5,501
 
 
 
4,390
 
 
 
227
 
Commercial real estate
 
 
 
 
 
 
 
 
 
 
 
 
Owner occupied
 
 
1,153
 
 
 
976
 
 
 
783
 
Non owner occupied
 
 
3,207
 
 
 
2,174
 
 
 
74
 
Commercial and industrial
 
 
11,407
 
 
 
9,897
 
 
 
555
 
Consumer
 
 
278
 
 
 
267
 
 
 
-
 
All other
 
 
5,468
 
 
 
5,289
 
 
 
2,043
 
Total
 
$
30,159
 
 
$
25,806
 
 
$
3,890
 
Aging of Recorded Investment in Past Due Loans by Loan Class
The following table presents the aging of the recorded investment in past due loans as of March 31, 2013 by class of loans:
 
Loan Class
 
Total Loans
 
 
30-89 Days Past Due
 
 
Greater than 90 days past due
 
 
Total Past Due
 
 
Loans Not Past Due
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Residential real estate
 
$
214,468
 
 
$
2,284
 
 
$
4,129
 
 
$
6,413
 
 
$
208,055
 
Multifamily real estate
 
 
28,115
 
 
 
2,469
 
 
 
5,322
 
 
 
7,791
 
 
 
20,324
 
Commercial real estate:
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Owner occupied
 
 
102,108
 
 
 
614
 
 
 
1,068
 
 
 
1,682
 
 
 
100,426
 
Non owner occupied
 
 
175,653
 
 
 
4,218
 
 
 
2,448
 
 
 
6,666
 
 
 
168,987
 
Commercial and industrial
 
 
84,045
 
 
 
851
 
 
 
4,410
 
 
 
5,261
 
 
 
78,784
 
Consumer
 
 
26,057
 
 
 
245
 
 
 
52
 
 
 
297
 
 
 
25,760
 
All other
 
 
70,090
 
 
 
284
 
 
 
5,496
 
 
 
5,780
 
 
 
64,310
 
Total
 
$
700,536
 
 
$
10,965
 
 
$
22,925
 
 
$
33,890
 
 
$
666,646
 

The following table presents the aging of the recorded investment in past due loans as of December 31, 2012 by class of loans:
 
Loan Class
 
Total Loans
 
 
30-89 Days Past Due
 
 
Greater than 90 days past due
 
 
Total Past Due
 
 
Loans Not Past Due
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Residential real estate
 
$
214,743
 
 
$
9,356
 
 
$
2,040
 
 
$
11,396
 
 
$
203,347
 
Multifamily real estate
 
 
28,673
 
 
 
695
 
 
 
3,893
 
 
 
4,588
 
 
 
24,085
 
Commercial real estate:
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Owner occupied
 
 
91,902
 
 
 
6,212
 
 
 
1,129
 
 
 
7,341
 
 
 
84,561
 
Non owner occupied
 
 
178,849
 
 
 
5,267
 
 
 
2,248
 
 
 
7,515
 
 
 
171,334
 
Commercial and industrial
 
 
84,430
 
 
 
2,306
 
 
 
2,485
 
 
 
4,791
 
 
 
79,639
 
Consumer
 
 
28,128
 
 
 
602
 
 
 
176
 
 
 
778
 
 
 
27,350
 
All other
 
 
77,900
 
 
 
468
 
 
 
7,332
 
 
 
7,800
 
 
 
70,100
 
Total
 
$
704,625
 
 
$
24,906
 
 
$
19,303
 
 
$
44,209
 
 
$
660,416
 
Allowance for Loan Losses and Recorded Investment in Loans by Portfolio Segment Based on Impairment Method
The following table presents the balance in the allowance for loan losses and the recorded investment in loans by portfolio segment and based on impairment method as of March 31, 2013:

 
Allowance for Loan Losses
 
 
Loan Balances
 
Loan Class
 
Individually Evaluated for Impairment
 
 
Collectively Evaluated for Impairment
 
 
Acquired with Deteriorated Credit Quality
 
 
Total
 
 
Individually Evaluated for Impairment
 
 
Collectively Evaluated for Impairment
 
 
Acquired with Deteriorated Credit Quality
 
 
Total
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Residential real estate
 
$
278
 
 
$
1,788
 
 
$
-
 
 
$
2,066
 
 
$
4,364
 
 
$
209,907
 
 
$
197
 
 
$
214,468
 
Multifamily real estate
 
 
-
 
 
 
347
 
 
 
-
 
 
 
347
 
 
 
1,663
 
 
 
23,316
 
 
 
3,136
 
 
 
28,115
 
Commercial real estate:
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Owner occupied
 
 
54
 
 
 
1,137
 
 
 
-
 
 
 
1,191
 
 
 
2,342
 
 
 
99,497
 
 
 
269
 
 
 
102,108
 
Non-owner occupied
 
 
362
 
 
 
1,605
 
 
 
-
 
 
 
1,967
 
 
 
1,308
 
 
 
168,491
 
 
 
5,854
 
 
 
175,653
 
Commercial and industrial
 
 
3,105
 
 
 
991
 
 
 
-
 
 
 
4,096
 
 
 
10,480
 
 
 
73,067
 
 
 
498
 
 
 
84,045
 
Consumer
 
 
-
 
 
 
174
 
 
 
-
 
 
 
174
 
 
 
-
 
 
 
26,057
 
 
 
-
 
 
 
26,057
 
All other
 
 
387
 
 
 
1,614
 
 
 
500
 
 
 
2,501
 
 
 
5,441
 
 
 
60,178
 
 
 
4,471
 
 
 
70,090
 
Total
 
$
4,186
 
 
$
7,656
 
 
$
500
 
 
$
12,342
 
 
$
25,598
 
 
$
660,513
 
 
$
14,425
 
 
$
700,536
 

The following table presents the balance in the allowance for loan losses and the recorded investment in loans by portfolio segment and based on impairment method as of December 31, 2012:
 
 
Allowance for Loan Losses
 
 
Loan Balances
 
Loan Class
 
Individually Evaluated for Impairment
 
 
Collectively Evaluated for Impairment
 
 
Acquired with Deteriorated Credit Quality
 
 
Total
 
 
Individually Evaluated for Impairment
 
 
Collectively Evaluated for Impairment
 
 
Acquired with Deteriorated Credit Quality
 
 
Total
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Residential real estate
 
$
358
 
 
$
1,805
 
 
$
-
 
 
$
2,163
 
 
$
4,609
 
 
$
209,932
 
 
$
202
 
 
$
214,743
 
Multifamily real estate
 
 
-
 
 
 
331
 
 
 
-
 
 
 
331
 
 
 
1,670
 
 
 
23,830
 
 
 
3,173
 
 
 
28,673
 
Commercial real estate:
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Owner occupied
 
 
74
 
 
 
1,043
 
 
 
-
 
 
 
1,117
 
 
 
2,511
 
 
 
89,120
 
 
 
271
 
 
 
91,902
 
Non-owner occupied
 
 
362
 
 
 
1,526
 
 
 
-
 
 
 
1,888
 
 
 
2,627
 
 
 
170,326
 
 
 
5,896
 
 
 
178,849
 
Commercial and industrial
 
 
2,173
 
 
 
873
 
 
 
-
 
 
 
3,046
 
 
 
10,799
 
 
 
73,120
 
 
 
511
 
 
 
84,430
 
Consumer
 
 
-
 
 
 
244
 
 
 
-
 
 
 
244
 
 
 
-
 
 
 
28,128
 
 
 
-
 
 
 
28,128
 
All other
 
 
375
 
 
 
1,824
 
 
 
500
 
 
 
2,699
 
 
 
4,271
 
 
 
69,133
 
 
 
4,496
 
 
 
77,900
 
Total
 
$
3,342
 
 
$
7,646
 
 
$
500
 
 
$
11,488
 
 
$
26,487
 
 
$
663,589
 
 
$
14,549
 
 
$
704,625
 
Loans Individually Evaluated for Impairment by Class of Loans
The following table presents loans individually evaluated for impairment by class of loans as of March 31, 2013  The table includes $9,333 of loans acquired with deteriorated credit quality that the Company cannot reasonably estimate cash flows such that they are accounted for on the cost recovery method and are still individually evaluated for impairment.

 
Unpaid Principal Balance
 
 
Recorded Investment
 
 
Allowance for Loan Losses Allocated
 
With no related allowance recorded:
 
 
 
 
 
 
 
 
 
Residential  real estate
 
$
1,813
 
 
$
1,631
 
 
$
-
 
Multifamily real estate
 
 
6,372
 
 
 
4,493
 
 
 
-
 
Commercial real estate
 
 
 
 
 
 
 
 
 
 
 
 
Owner occupied
 
 
2,714
 
 
 
2,045
 
 
 
-
 
Non owner occupied
 
 
2,644
 
 
 
1,586
 
 
 
-
 
Commercial and industrial
 
 
2,026
 
 
 
823
 
 
 
-
 
All other
 
 
4,601
 
 
 
4,601
 
 
 
-
 
 
 
20,170
 
 
 
15,179
 
 
 
-
 
With an allowance recorded:
 
 
 
 
 
 
 
 
 
 
 
 
Residential  real estate
 
$
2,945
 
 
$
2,930
 
 
$
278
 
Commercial real estate
 
 
 
 
 
 
 
 
 
 
 
 
Owner occupied
 
 
566
 
 
 
566
 
 
 
54
 
Non owner occupied
 
 
809
 
 
 
790
 
 
 
362
 
Commercial and industrial
 
 
10,584
 
 
 
10,155
 
 
 
3,105
 
All other
 
 
12,710
 
 
 
5,311
 
 
 
887
 
 
 
27,614
 
 
 
19,752
 
 
 
4,686
 
Total
 
$
47,784
 
 
$
34,931
 
 
$
4,686
 

The following table presents loans individually evaluated for impairment by class of loans as of December 31, 2012.  The table includes $9,421 of loans acquired with deteriorated credit quality that the Company cannot reasonably estimate cash flows such that they are accounted for on the cost recovery method and are still individually evaluated for impairment.
 
Unpaid Principal Balance
 
 
Recorded Investment
 
 
Allowance for Loan Losses Allocated
 
With no related allowance recorded:
 
 
 
 
 
 
 
 
 
Residential  real estate
 
$
1,886
 
 
$
1,714
 
 
$
-
 
Multifamily real estate
 
 
6,332
 
 
 
4,533
 
 
 
-
 
Commercial real estate
 
 
 
 
 
 
 
 
 
 
 
 
Owner occupied
 
 
2,876
 
 
 
2,196
 
 
 
-
 
Non owner occupied
 
 
3,912
 
 
 
2,916
 
 
 
-
 
Commercial and industrial
 
 
2,031
 
 
 
837
 
 
 
-
 
All other
 
 
3,426
 
 
 
3,427
 
 
 
-
 
 
 
20,463
 
 
 
15,623
 
 
 
-
 
With an allowance recorded:
 
 
 
 
 
 
 
 
 
 
 
 
Residential  real estate
 
$
3,118
 
 
$
3,097
 
 
$
358
 
Commercial real estate
 
 
 
 
 
 
 
 
 
 
 
 
Owner occupied
 
 
586
 
 
 
586
 
 
 
74
 
Non owner occupied
 
 
809
 
 
 
789
 
 
 
362
 
Commercial and industrial
 
 
10,771
 
 
 
10,473
 
 
 
2,173
 
All other
 
 
5,517
 
 
 
5,340
 
 
 
875
 
 
 
20,801
 
 
 
20,285
 
 
 
3,842
 
Total
 
$
41,264
 
 
$
35,908
 
 
$
3,842
 
The Average Balance of Loans Individually Evaluated for Impairment and Interest Income Recognized
The following table presents the average balance of loans individually evaluated for impairment and interest income recognized on these loans for the three months ended March 31, 2013 and March 31, 2012.   The table includes loans acquired with deteriorated credit quality that are still individually evaluated for impairment.

 
Three months ended March 31, 2013
 
 
Three months ended March 31, 2012
 
Loan Class
 
Average Recorded Investment
 
 
Interest Income Recognized
 
 
Cash Basis Interest Recognized
 
 
Average Recorded Investment
 
 
Interest Income Recognized
 
 
Cash Basis Interest Recognized
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Residential real estate
 
$
4,686
 
 
$
50
 
 
$
50
 
 
$
10,165
 
 
$
128
 
 
$
123
 
Multifamily real estate
 
 
4,513
 
 
 
30
 
 
 
30
 
 
 
8,598
 
 
 
1,307
 
 
 
1,303
 
Commercial real estate:
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Owner occupied
 
 
2,696
 
 
 
38
 
 
 
29
 
 
 
9,171
 
 
 
894
 
 
 
885
 
Non-owner occupied
 
 
3,041
 
 
 
2
 
 
 
2
 
 
 
11,602
 
 
 
35
 
 
 
26
 
Commercial and industrial
 
 
11,144
 
 
 
4
 
 
 
4
 
 
 
7,767
 
 
 
107
 
 
 
107
 
Consumer
 
 
-
 
 
 
-
 
 
 
-
 
 
 
37
 
 
 
1
 
 
 
1
 
All other
 
 
9,339
 
 
 
82
 
 
 
82
 
 
 
8,583
 
 
 
97
 
 
 
81
 
Total
 
$
35,419
 
 
$
206
 
 
$
197
 
 
$
55,923
 
 
$
2,569
 
 
$
2,526
 
Troubled Debt Restructurings
The following table presents TDR's as of March 31, 2013 and December 31, 2012:

March 31, 2013
 
TDR's on Non-accrual
 
 
Other TDR's
 
 
Total TDR's
 
 
 
 
 
 
 
 
 
 
Residential  real estate
 
$
928
 
 
$
237
 
 
$
1,165
 
Commercial real estate
 
 
 
 
 
 
 
 
 
 
 
 
Owner occupied
 
 
-
 
 
 
4,392
 
 
 
4,392
 
Non owner occupied
 
 
-
 
 
 
4,887
 
 
 
4,887
 
Commercial and industrial
 
 
1,657
 
 
 
865
 
 
 
2,522
 
All other
 
 
16
 
 
 
2,193
 
 
 
2,209
 
Total
 
$
2,601
 
 
$
12,574
 
 
$
15,175
 

December 31, 2012
 
TDR's on Non-accrual
 
 
Other TDR's
 
 
Total TDR's
 
 
 
 
 
 
 
 
 
 
Residential  real estate
 
$
1,020
 
 
$
240
 
 
$
1,260
 
Commercial real estate
 
 
 
 
 
 
 
 
 
 
 
 
Owner occupied
 
 
-
 
 
 
4,224
 
 
 
4,224
 
Non owner occupied
 
 
-
 
 
 
4,920
 
 
 
4,920
 
Commercial and industrial
 
 
2
 
 
 
2,525
 
 
 
2,527
 
All other
 
 
-
 
 
 
2,197
 
 
 
2,197
 
Total
 
$
1,022
 
 
$
14,106
 
 
$
15,128
 
Troubled Debt Restructuring During the Period
The following table presents TDR's that occurred during the three ended March 31, 2013 and March 31, 2012:

 
Three months ended March 31, 2013
 
 
Three months ended March 31, 2012
 
Loan Class
 
Number of Loans
 
 
Pre-Modification Outstanding Recorded Investment
 
 
Post-Modification Outstanding Recorded Investment
 
 
Number of Loans
 
 
Pre-Modification Outstanding Recorded Investment
 
 
Post-Modification Outstanding Recorded Investment
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Commercial and industrial
 
 
-
 
 
$
-
 
 
$
-
 
 
 
2
 
 
$
1,999
 
 
$
1,999
 
All other
 
 
1
 
 
 
16
 
 
 
16
 
 
 
-
 
 
 
-
 
 
 
-
 
Total
 
 
1
 
 
$
16
 
 
$
16
 
 
 
2
 
 
$
1,999
 
 
$
1,999
 
Risk Category of Loans by Class of Loans
As of March 31, 2013 and based on the most recent analysis performed, the risk category of loans by class of loans is as follows:

Loan Class
 
Pass
 
 
Special Mention
 
 
Substandard
 
 
Doubtful
 
 
Total Loans
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Residential real estate
 
$
195,696
 
 
$
9,726
 
 
$
8,963
 
 
$
83
 
 
$
214,468
 
Multifamily real estate
 
 
19,484
 
 
 
1,699
 
 
 
6,932
 
 
 
-
 
 
 
28,115
 
Commercial real estate:
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Owner occupied
 
 
83,669
 
 
 
13,401
 
 
 
5,038
 
 
 
-
 
 
 
102,108
 
Non-owner occupied
 
 
163,454
 
 
 
5,734
 
 
 
6,465
 
 
 
-
 
 
 
175,653
 
Commercial and industrial
 
 
71,356
 
 
 
667
 
 
 
12,022
 
 
 
-
 
 
 
84,045
 
Consumer
 
 
25,855
 
 
 
142
 
 
 
60
 
 
 
-
 
 
 
26,057
 
All other
 
 
55,222
 
 
 
673
 
 
 
13,504
 
 
 
691
 
 
 
70,090
 
Total
 
$
614,736
 
 
$
32,042
 
 
$
52,984
 
 
$
774
 
 
$
700,536
 

As of December 31, 2012, and based on the most recent analysis performed, the risk category of loans by class of loans is as follows:

Loan Class
 
Pass
 
 
Special Mention
 
 
Substandard
 
 
Doubtful
 
 
Total Loans
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Residential real estate
 
$
195,210
 
 
$
10,115
 
 
$
9,327
 
 
$
91
 
 
$
214,743
 
Multifamily real estate
 
 
19,747
 
 
 
1,912
 
 
 
7,014
 
 
 
-
 
 
 
28,673
 
Commercial real estate:
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Owner occupied
 
 
74,529
 
 
 
8,994
 
 
 
8,379
 
 
 
-
 
 
 
91,902
 
Non-owner occupied
 
 
163,337
 
 
 
7,685
 
 
 
7,827
 
 
 
-
 
 
 
178,849
 
Commercial and industrial
 
 
70,180
 
 
 
2,739
 
 
 
11,508
 
 
 
3
 
 
 
84,430
 
Consumer
 
 
27,931
 
 
 
123
 
 
 
74
 
 
 
-
 
 
 
28,128
 
All other
 
 
64,009
 
 
 
814
 
 
 
12,386
 
 
 
691
 
 
 
77,900
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Total
 
$
614,943
 
 
$
32,382
 
 
$
56,515
 
 
$
785
 
 
$
704,625