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Loans by Type (Tables) | 6 Months Ended
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Jun. 30, 2013
Loans by Type [Abstract] |
Summary of Loan Categories | A summary of loan categories is as follows:
|  | June 30, |  | December 31,
(In thousands) |  | 2013 |  | 2012
Commercial and industrial |  | $ | 173,546 |  | $ | 160,862
Real estate |  |  |  |  |  |
Commercial: |  |  |  |  |  |
Mortgage |  |  | 132,517 |  |  | 134,843
Construction |  |  | 8,618 |  |  | 7,025
Church, church-related: |  |  |  |  |  |
Mortgage |  |  | 344,785 |  |  | 368,118
Construction |  |  | 10,293 |  |  | 16,450
Other |  |  | 63 |  |  | 435
Total loans |  | $ | 669,822 |  | $ | 687,733
Schedule of the Aging Loans by Loan Categories | The following table presents the aging of loans by loan categories at June 30, 2013 and December 31, 2012:
|  | Performing |  | Nonperforming
|  |  |  |  |  |  |  |  |  |  | 90 Days |  |  |  |  |  |
|  |  |  |  | 30-59 |  | 60-89 |  | and |  | Non- |  | Total
(In thousands) |  | Current |  | Days |  | Days |  | Over |  | accrual |  | Loans
June 30, 2013 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial and industrial |  | $ | 172,306 |  | $ | 1,000 |  | $ | - |  | $ | - |  | $ | 240 |  | $ | 173,546
Real estate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Mortgage |  |  | 132,027 |  |  | - |  |  | - |  |  | - |  |  | 490 |  |  | 132,517
Construction |  |  | 8,618 |  |  | - |  |  | - |  |  | - |  |  | - |  |  | 8,618
Church, church-related: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Mortgage |  |  | 343,487 |  |  | 1,130 |  |  | - |  |  | - |  |  | 168 |  |  | 344,785
Construction |  |  | 10,293 |  |  | - |  |  | - |  |  | - |  |  | - |  |  | 10,293
Other |  |  | 63 |  |  | - |  |  | - |  |  | - |  |  | - |  |  | 63
Total |  | $ | 666,794 |  | $ | 2,130 |  | $ | - |  | $ | - |  | $ | 898 |  | $ | 669,822
December 31, 2012 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial and industrial |  | $ | 159,423 |  | $ | - |  | $ | - |  | $ | - |  | $ | 1,439 |  | $ | 160,862
Real estate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Mortgage |  |  | 129,884 |  |  | - |  |  | - |  |  | - |  |  | 4,959 |  |  | 134,843
Construction |  |  | 7,025 |  |  | - |  |  | - |  |  | - |  |  | - |  |  | 7,025
Church, church-related: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Mortgage |  |  | 367,944 |  |  | - |  |  | - |  |  | - |  |  | 174 |  |  | 368,118
Construction |  |  | 16,450 |  |  | - |  |  | - |  |  | - |  |  | - |  |  | 16,450
Other |  |  | 435 |  |  | - |  |  | - |  |  | - |  |  | - |  |  | 435
Total |  | $ | 681,161 |  | $ | - |  | $ | - |  | $ | - |  | $ | 6,572 |  | $ | 687,733
Schedule of Credit Exposure of the Loan Portfolio | The following table presents the credit exposure of the loan portfolio by internally assigned credit grade as of June 30, 2013 and December 31, 2012:
|  | Loans |  | Performing |  | Nonperforming |  |  |
|  | Subject to |  | Loans Subject to |  | Loans Subject |  |  |
|  | Normal |  | Special |  | to Special |  |  |
(In thousands) |  | Monitoring 1 |  | Monitoring 2 |  | Monitoring 2 |  | Total Loans
June 30, 2013 |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial and industrial |  | $ | 170,195 |  | $ | 3,111 |  | $ | 240 |  |  | $ | 173,546
Real estate |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial: |  |  |  |  |  |  |  |  |  |  |  |  |
Mortgage |  |  | 124,127 |  |  | 7,900 |  |  | 490 |  |  |  | 132,517
Construction |  |  | 8,618 |  |  | - |  |  | - |  |  |  | 8,618
Church, church-related: |  |  |  |  |  |  |  |  |  |  |  |  |
Mortgage |  |  | 341,342 |  |  | 3,275 |  |  | 168 |  |  |  | 344,785
Construction |  |  | 10,293 |  |  | - |  |  | - |  |  |  | 10,293
Other |  |  | 63 |  |  | - |  |  | - |  |  |  | 63
Total |  | $ | 654,638 |  | $ | 14,286 |  | $ | 898 |  |  | $ | 669,822
December 31, 2012 |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial and industrial |  | $ | 155,838 |  | $ | 3,585 |  | $ | 1,439 |  |  | $ | 160,862
Real estate |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial: |  |  |  |  |  |  |  |  |  |  |  |  |
Mortgage |  |  | 123,315 |  |  | 6,569 |  |  | 4,959 | 3 |  |  | 134,843
Construction |  |  | 7,025 |  |  | - |  |  | - |  |  |  | 7,025
Church, church-related: |  |  |  |  |  |  |  |  |  |  |  |  |
Mortgage |  |  | 366,366 |  |  | 1,578 |  |  | 174 |  |  |  | 368,118
Construction |  |  | 16,450 |  |  | - |  |  | - |  |  |  | 16,450
Other |  |  | 435 |  |  | - |  |  | - |  |  |  | 435
Total |  | $ | 669,429 |  | $ | 11,732 |  | $ | 6,572 |  |  | $ | 687,733
1 | Loans subject to normal monitoring involve borrowers of acceptable-to-strong credit quality and risk, who have the apparent ability to satisfy their loan obligation.
2 | Loans subject to special monitoring possess some credit deficiency or potential weakness which requires a high level of management attention.
3 | In February 2013, a payment of $4,115,000 was received for one nonaccrual loan with a balance of $4,198,000. $83,000 was charged off.
Schedule of Recorded Investment and Unpaid Principal Balance for Impaired Loans | The following table presents the recorded investment and unpaid principal balance for impaired loans at June 30, 2013 and December 31, 2012:
|  |  |  |  |  | Unpaid |  | Related
|  | Recorded |  | Principal |  | Allowance for
(In thousands) |  | Investment |  | Balance |  | Loan Losses
June 30, 2013 |  |  |  |  |  |  |  |  |  |  |
Commercial and industrial: |  |  |  |  |  |  |  |  |  |  |
Nonaccrual |  | $ | 240 |  |  | $ | 240 |  |  | $ | 76
Troubled debt restructurings still accruing |  |  | - |  |  |  | - |  |  |  | -
Real estate |  |  |  |  |  |  |  |  |  |  |
Commercial - Mortgage: |  |  |  |  |  |  |  |  |  |  |
Nonaccrual |  |  | 490 |  |  |  | 490 |  |  |  | 90
Past due 90 days or more and still accruing |  |  | - |  |  |  | - |  |  |  | -
Troubled debt restructurings still accruing |  |  | - |  |  |  | - |  |  |  | -
Church - Mortgage: |  |  |  |  |  |  |  |  |  |  |
Nonaccrual |  |  | 168 |  |  |  | 168 |  |  |  | 84
Total impaired loans |  | $ | 898 |  |  | $ | 898 |  |  | $ | 250
December 31, 2012 |  |  |  |  |  |  |  |  |  |  |
Commercial and industrial: |  |  |  |  |  |  |  |  |  |  |
Nonaccrual |  | $ | 1,439 |  |  | $ | 1,439 |  |  | $ | 657
Troubled debt restructurings still accruing |  |  | - |  |  |  | - |  |  |  | -
Real estate |  |  |  |  |  |  |  |  |  |  |
Commercial - Mortgage: |  |  |  |  |  |  |  |  |  |  |
Nonaccrual |  |  | 4,959 | * |  |  | 4,959 | * |  |  | 660
Past due 90 days or more and still accruing |  |  | - |  |  |  | - |  |  |  | -
Troubled debt restructurings still accruing |  |  | - |  |  |  | - |  |  |  | -
Church - Mortgage: |  |  |  |  |  |  |  |  |  |  |
Nonaccrual |  |  | 174 |  |  |  | 174 |  |  |  | 87
Total impaired loans |  | $ | 6,572 |  |  | $ | 6,572 |  |  | $ | 1,404
* | In February 2013, a payment of $4,115,000 was received for one nonaccrual loan with a balance of $4,198,000. $83,000 was charged off.
Summary of the Allowance for Loan Losses | A summary of the activity in the allowance for loan losses from December 31, 2012 to June 30, 2013 is as follows:
|  | December 31, |  | Charge- |  |  |  |  |  |  |  |  | June 30,
(In thousands) |  | 2012 |  | Offs |  | Recoveries |  | Provision |  | 2013
Commercial and industrial |  | $ | 3,192 |  | $ | 1,296 |  | $ | 4 |  | $ | 914 |  |  | $ | 2,814
Real estate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Mortgage |  |  | 3,784 |  |  | 233 |  |  | 18 |  |  | (337 | ) |  |  | 3,232
Construction |  |  | 137 |  |  | - |  |  | - |  |  | 47 |  |  |  | 184
Church, church-related: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Mortgage |  |  | 4,903 |  |  | - |  |  | 2 |  |  | 99 |  |  |  | 5,004
Construction |  |  | 333 |  |  | - |  |  | - |  |  | (216 | ) |  |  | 117
Other |  |  | 8 |  |  | - |  |  | - |  |  | (7 | ) |  |  | 1
Total |  | $ | 12,357 |  | $ | 1,529 |  | $ | 24 |  | $ | 500 |  |  | $ | 11,352

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