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Loans and Allowance For Loan Losses: Loans and Leases Receivable Troubled Debt Restructuring Policy (Policies) | 3 Months Ended
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Jun. 30, 2012
Loans and Leases Receivable Troubled Debt Restructuring Policy: |
Loans and Leases Receivable Troubled Debt Restructuring Policy | Included in certain loan categories in the impaired loans are troubled debt restructurings that were classified as impaired. Troubled debt restructurings are loans that are modified by granting concessions to borrowers experiencing financial difficulties. These concessions could include a reduction in the interest rate on the loan, payment extensions, forgiveness of principal, forbearance or other actions intended to maximize collection. The types of concessions made are factored into the estimation of the allowance for loan losses for troubled debt restructurings primarily using a discounted cash flows or collateral adequacy approach. At June 30, 2012, the Company had $5.9 million$5,900,000 of construction loans, $18.3 million$18,300,000 of single family and multi-family residential mortgage loans, $31.3 million$31,300,000 of commercial real estate loans, $2.8 million $2,800,000 of commercial business loans and $133,000 of consumer loans that were modified in troubled debt restructurings and impaired. Of the total troubled debt restructurings, $47.9 million$47,900,000 were accruing interest at June 30, 2012. At December 31, 2011, the Company had $9.0 million$9,000,000 of construction loans, $17.0 million$17,000,000 of residential mortgage loans, $31.3 million$31,300,000 of commercial real estate loans, $671,000 of commercial business loans and $156,000 of consumer loans that were modified in troubled debt restructurings and impaired. Of the total troubled debt restructurings, $50.8 million$50,800,000 were accruing interest at December 31, 2011.

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- Definition Disclosure of the accounting policy for loan agreements whose terms have been modified because of the inability of the borrower for financial reasons to comply with the terms of the original loan agreement. A creditor discloses material facts pertaining to significant modifications. + References Reference 1: http://www.xbrl.org/2003/role/presentationRef -Publisher FASB -Name Statement of Financial Accounting Standard (FAS) -Number 15 -Paragraph 25 -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009. This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy. Reference 2: http://www.xbrl.org/2003/role/presentationRef -Publisher FASB -Name Accounting Standards Codification -Topic 235 -SubTopic 10 -Section 50 -Paragraph 3 -URI http://asc.fasb.org/extlink&oid=6367646&loc=d3e18780-107790 Reference 3: http://www.xbrl.org/2003/role/presentationRef -Publisher FASB -Name Accounting Standards Codification -Topic 310 -SubTopic 40 -URI http://asc.fasb.org/subtopic&trid=2196892 + Details
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