Loans (Tables)

12 Months Ended

Dec. 31, 2013



	December 31,
	2013	2012
Real estate loans:
Multifamily	$ 870,951	$ 610,129
Commercial mortgage	340,174	315,450
One-to-four family residential mortgage	64,753	64,733
Home equity and lines of credit	46,231	33,573
Construction and land	14,152	23,243
Total real estate loans	1,336,261	1,047,128
Commercial and industrial loans	10,162	14,786
Other loans	2,310	1,830
Total commercial and industrial and other loans	12,472	16,616
Deferred loan cost, net	3,458	2,456
Originated loans held-for-investment, net	1,352,191	1,066,200
PCI Loans	59,468	75,349
Loans acquired:
Multifamily	3,930	5,763
Commercial mortgage	13,254	17,053
One-to-four family residential mortgage	60,262	78,237
Construction and land	371	380
Total loans acquired	77,817	101,433
Loans held for investment, net	1,489,476	1,242,982
Allowance for loan losses	(26,037)	(26,424)
Net loans held-for-investment	$ 1,463,439	$ 1,216,558

Summary Of Accretable Yield



	For The Year Ended December 31,
	2013	2012
Balance at the beginning of year	$ 43,431	$ 42,493
Accretable yield at purchase date	-	833
Accretion into interest income	(5,701)	(6,424)
Net reclassification from non-accretable difference (1)	(5,266)	6,529
Balance at end of year	$ 32,464	$ 43,431

(1) Due to re-casting of cash flows for loan pools acquired in the 2011 FDIC-assisted transaction.

Activity In Allowance For Loan Losses



	December 31,
	2013	2012	2011
Balance at beginning of year	$ 26,424	$ 26,836	$ 21,819
Provision for loan losses	1,927	3,536	12,589
Recoveries	860	245	108
Charge-offs	(3,174)	(4,193)	(7,680)
Balance at end of year	$ 26,037	$ 26,424	$ 26,836

Allowance For Loan Losses And Loans Receivable By Portfolio Segment And Based On Impairment Method



	December 31, 2013
	Real Estate
	Commercial	One-to-Four Family	Construction and Land	Multifamily	Home Equity and Lines of Credit	Commercial and Industrial	Other	Unallocated	Originated Loans Total	Purchase Credit-Impaired	Total
Allowance for loan losses:
Beginning Balance	$ 14,480	$ 623	$ 994	$ 7,086	$ 623	$ 1,160	$ 21	$ 1,201	$ 26,188	$ 236	$ 26,424
Charge-offs	(1,208)	(414)	-	(657)	(491)	(379)	(25)	-	(3,174)	-	(3,174)
Recoveries	1	18	567	-	-	201	73	-	860	-	860
Provisions	(654)	648	(1,356)	2,945	728	(557)	(2)	(177)	1,575	352	1,927
Ending Balance	$ 12,619	$ 875	$ 205	$ 9,374	$ 860	$ 425	$ 67	$ 1,024	$ 25,449	$ 588	$ 26,037

Ending balance: individually evaluated for impairment	$ 2,385	$ 19	$ -	$ 117	$ 7	$ 104	$ -	$ -	$ 2,632	$ -	$ 2,632

Ending balance: collectively evaluated for impairment	$ 10,234	$ 856	$ 205	$ 9,257	$ 853	$ 321	$ 67	$ 1,024	$ 22,817	$ 588	$ 23,405

Originated loans, net:
Ending Balance	$ 340,534	$ 65,289	$ 14,161	$ 872,901	$ 46,825	$ 10,202	$ 2,279	$ -	$ 1,352,191	$ -	$ 1,352,191

Ending balance: individually evaluated for impairment	$ 32,194	$ 1,115	$ 109	$ 2,074	$ 1,341	$ 1,504	$ -	$ -	$ 38,337	$ -	$ 38,337

Ending balance: collectively evaluated for impairment	$ 308,340	$ 64,174	$ 14,052	$ 870,827	$ 45,484	$ 8,698	$ 2,279	$ -	$ 1,313,854	$ -	$ 1,313,854



	December 31, 2012
	Real Estate
	Commercial	One-to-Four Family	Construction and Land	Multifamily	Home Equity and Lines of Credit	Commercial and Industrial	Other	Unallocated	Total	Purchase Credit-Impaired	Total
Allowance for loan losses:
Beginning Balance	$ 15,180	$ 967	$ 1,189	$ 6,772	$ 418	$ 975	$ 226	$ 1,109	$ 26,836	$ -	$ 26,836
Charge-offs	(1,828)	(1,300)	(43)	(729)	(2)	(90)	(201)	-	(4,193)	-	(4,193)
Recoveries	107	-	-	9	-	86	43	-	245	-	245
Provisions	1,021	956	(152)	1,034	207	189	(47)	92	3,300	236	3,536
Ending Balance	$ 14,480	$ 623	$ 994	$ 7,086	$ 623	$ 1,160	$ 21	$ 1,201	$ 26,188	$ 236	$ 26,424

Ending balance: individually evaluated for impairment	$ 2,753	$ 5	$ -	$ 317	$ 123	$ 417	$ -	$ -	$ 3,615	$ -	$ 3,615

Ending balance: collectively evaluated for impairment	$ 11,727	$ 618	$ 994	$ 6,769	$ 500	$ 743	$ 21	$ 1,201	$ 22,573	$ 236	$ 22,809

Originated loans, net:
Ending balance	$ 315,603	$ 65,354	$ 23,255	$ 611,469	$ 33,879	$ 14,810	$ 1,830	$ -	$ 1,066,200	$ -	$ 1,066,200

Ending balance: individually evaluated for impairment	$ 41,568	$ 2,061	$ -	$ 2,040	$ 1,943	$ 4,087	$ -	$ -	$ 51,699	$ -	$ 51,699

Ending balance: collectively evaluated for impairment	$ 274,035	$ 63,293	$ 23,255	$ 609,429	$ 31,936	$ 10,723	$ 1,830	$ -	$ 1,014,501	$ -	$ 1,014,501

Investment Of Originated Loans Held-For-Investment, Net Of Deferred Fees And Costs, By Loan Type And Credit Quality Indicator



	At December 31, 2013
	Real Estate
	Multifamily		Commercial		One-to-Four Family		Construction and Land	Home Equity and Lines of Credit	Commercial and Industrial	Other	Total
	< 35% LTV	=> 35% LTV	< 35% LTV	=> 35% LTV	< 60% LTV	=> 60% LTV
Internal Risk Rating
Pass	$ 40,966	$ 817,923	$ 42,995	$ 240,472	$ 28,595	$ 30,241	$ 13,458	$ 45,117	$ 7,488	$ 2,279	$ 1,269,534
Special Mention	309	7,866	1,304	12,938	2,289	703	595	469	962	-	27,435
Substandard	821	5,016	1,333	41,492	1,388	2,073	108	1,239	1,752	-	55,222
Originated loans held-for-investment, net	$ 42,096	$ 830,805	$ 45,632	$ 294,902	$ 32,272	$ 33,017	$ 14,161	$ 46,825	$ 10,202	$ 2,279	$ 1,352,191

	At December 31, 2012
	Real Estate
	Multifamily		Commercial		One-to-Four Family		Construction and Land	Home Equity and Lines of Credit	Commercial and Industrial	Other	Total
	< 35% LTV	=> 35% LTV	< 35% LTV	=> 35% LTV	< 60% LTV	=> 60% LTV
Internal Risk Rating
Pass	$ 19,438	$ 575,434	$ 30,284	$ 211,679	$ 32,120	$ 28,091	$ 12,536	$ 31,526	$ 10,992	$ 1,804	$ 953,904
Special Mention	115	10,444	185	23,521	1,422	384	5,137	659	753	-	42,620
Substandard	510	5,528	1,699	48,235	1,066	2,271	5,582	1,694	3,065	26	69,676
Originated loans held-for-investment, net	$ 20,063	$ 591,406	$ 32,168	$ 283,435	$ 34,608	$ 30,746	$ 23,255	$ 33,879	$ 14,810	$ 1,830	$ 1,066,200

Estimated Expected Future Cash Flows Of Each PCI Loan Pool

-

	At December 31, 2013
	Total Non-Performing Loans
	Non-Accruing Loans
	0-29 Days Past Due	30-89 Days Past Due	90 Days or More Past Due	Total	90 Days or More Past Due and Accruing	Total Non-Performing Loans
Loans held-for-investment:
Real estate loans:
Commercial
LTV < 35%
Special Mention	$ -	$ -	$ -	$ -	$ -	$ -
Total	-	-	-	-	-	-
LTV => 35%
Special Mention	-	-	335	335	-	335
Substandard	3,606	421	7,836	11,863	-	11,863
Total	3,606	421	8,171	12,198	-	12,198
Total commercial	3,606	421	8,171	12,198	-	12,198
One-to-four family residential
LTV < 60%
Special Mention	-	16	114	130	-	130
Substandard	-	418	186	604	-	604
Total	-	434	300	734	-	734
LTV => 60%
Substandard	-	189	993	1,182	-	1,182
Total	-	189	993	1,182	-	1,182
Total one-to-four family residential	-	623	1,293	1,916	-	1,916
Construction and land
Substandard	108	-	-	108	-	108
Total construction and land	108	-	-	108	-	108
Multifamily
LTV => 35%
Substandard	-	-	-	-	-	-
Total multifamily	-	-	-	-	-	-


Multifamily
LTV => 35%
Substandard	-	-	73	73	-	73
Total Multifamily	-	-	73	73	-	73

Home equity and lines of credit
Pass	-	-	-	-	-	-
Special Mention	-	-	-	-	-	-
Substandard	-	-	1,239	1,239	-	1,239
Total home equity and lines of credit	-	-	1,239	1,239	-	1,239
Commercial and industrial loans
Pass	-	-	-	-	-	-
Special Mention	-	-	-	-	-	-
Substandard	-	-	441	441	-	441
Total commercial and industrial loans	-	-	441	441	-	441
Other loans
Pass	-	-	-	-	32	32
Total other loans	-	-	-	-	32	32
Total non-performing loans held-for-investment	$ 3,714	$ 1,044	$ 11,217	$ 15,975	$ 32	$ 16,007
Loans acquired:
One-to-four family residential
LTV < 60%
Substandard	-	-	-	-	-	-
Total	-	-	-	-	-	-
LTV => 60%
Substandard	607	-	466	1,073	-	1,073
Total	607	-	466	1,073	-	1,073
Total one-to-four family residential	607	-	466	1,073	-	1,073

Commercial
LTV> 35%
Special Mention	$ -	$ -	$ 252	$ 252	$ -	$ 252
Total	-	-	252	252	-	252

Total non-performing loans acquired	607	-	718	1,325	-	1,325
Total non-performing loans	$ 4,321	$ 1,044	$ 11,935	$ 17,300	$ 32	$ 17,332



	At December 31, 2012
	Total Non-Performing Loans
	Non-Accruing Loans
	0-29 Days Past Due	30-89 Days Past Due	90 Days or More Past Due	Total	90 Days or More Past Due and Accruing	Total Non-Performing Loans
Loans held-for-investment:
Real estate loans:
Commercial
LTV < 35%
Substandard	$ 1,699	$ -	$ -	$ 1,699	$ -	$ 1,699
Total	1,699	-	-	1,699	-	1,699
LTV => 35%
Substandard	13,947	442	5,565	19,954	349	20,303
Total	13,947	442	5,565	19,954	349	20,303
Total commercial	15,646	442	5,565	21,653	349	22,002
One-to-four family residential
LTV < 60%
Special Mention	-	19	229	248	119	367
Substandard	-	429	-	429	-	429
Total	-	448	229	677	119	796
LTV => 60%
Substandard	233	201	1,437	1,871	151	2,022
Total	233	201	1,437	1,871	151	2,022
Total one-to-four family residential	233	649	1,666	2,548	270	2,818
Construction and land
Substandard	2,070	-	-	2,070	-	2,070
Total construction and land	2,070	-	-	2,070	-	2,070
Multifamily
LTV => 35%
Substandard			279	279	-	279
Total multifamily	-	-	279	279	-	279
Home equity and lines of credit
Substandard	107	-	1,587	1,694	-	1,694
Total home equity and lines of credit	107	-	1,587	1,694	-	1,694
Commercial and industrial loans
Substandard	532	-	724	1,256	-	1,256
Total commercial and industrial loans	532	-	724	1,256	-	1,256
Other loans
Pass	-	-	-	-	2	2
Total other loans	-	-	-	-	2	2
Total non-performing loans held-for-investment	$ 18,588	$ 1,091	$ 9,821	$ 29,500	$ 621	$ 30,121
Loans held-for-sale:
Commercial
LTV => 35%
Substandard	-		773	773	-	773
Total commercial	-	-	773	773	-	773
One-to-four family residential
LTV => 60%
Substandard	122	-	3,662	3,784	-	3,784
Total one-to-four family residential	122	-	3,662	3,784	-	3,784
Multifamily
LTV => 35%
Substandard	-	-	890	890	-	890
Total multifamily	-	-	890	890	-	890
Total non-performing loans held-for-sale	122	-	5,325	5,447	-	5,447
Total non-performing loans	$ 18,710	$ 1,091	$ 15,146	$ 34,947	$ 621	$ 35,568

Detail And Delinquency Status Of Originated Loans Held-For-Investment, Net Of Deferred Fees And Costs, By Performing And Non-Performing Loans



	December 31, 2013
	Performing (Accruing) Loans
	0-29 Days Past Due	30-89 Days Past Due	Total	Non-Performing Loans	Total Loans Receivable, net
Loans held-for-investment:
Real estate loans:
Commercial
LTV < 35%
Pass	$ 42,995	$ -	$ 42,995	$ -	$ 42,995
Special Mention	1,304	-	1,304	-	1,304
Substandard	1,333	-	1,333	-	1,333
Total	45,632	-	45,632	-	45,632
LTV > 35%
Pass	239,544	928	240,472	-	240,472
Special Mention	10,927	1,676	12,603	335	12,938
Substandard	28,949	680	29,629	11,863	41,492
Total	279,420	3,284	282,704	12,198	294,902
Total commercial	325,052	3,284	328,336	12,198	340,534
One-to-four family residential
LTV < 60%
Pass	28,216	379	28,595	-	28,595
Special Mention	1,746	413	2,159	130	2,289
Substandard	269	515	784	604	1,388
Total	30,231	1,307	31,538	734	32,272
LTV > 60%
Pass	27,575	2,666	30,241	-	30,241
Special Mention	703	-	703	-	703
Substandard	522	369	891	1,182	2,073
Total	28,800	3,035	31,835	1,182	33,017
Total one-to-four family residential	59,031	4,342	63,373	1,916	65,289
Construction and land
Pass	13,458	-	13,458	-	13,458
Special Mention	595	-	595	-	595
Substandard	-	-	-	108	108
Total construction and land	14,053	-	14,053	108	14,161
Multifamily
LTV < 35%
Pass	40,638	328	40,966	-	40,966
Special Mention	94	215	309	-	309
Substandard	821	-	821	-	821
Total	41,553	543	42,096	-	42,096
LTV > 35%
Pass	817,923	-	817,923	-	817,923
Special Mention	6,751	1,115	7,866	-	7,866
Substandard	4,118	825	4,943	73	5,016
Total	828,792	1,940	830,732	73	830,805
Total multifamily	870,345	2,483	872,828	73	872,901
Home equity and lines of credit
Pass	45,116	1	45,117	-	45,117
Special Mention	376	93	469	-	469
Substandard	-	-	-	1,239	1,239
Total home equity and lines of credit	45,492	94	45,586	1,239	46,825
Commercial and industrial loans
Pass	7,415	73	7,488	-	7,488
Special Mention	962	-	962	-	962
Substandard	570	741	1,311	441	1,752
Total commercial and industrial loans	8,947	814	9,761	441	10,202
Other loans
Pass	2,226	21	2,247	32	2,279
Total other loans	2,226	21	2,247	32	2,279
Total loans held-for-investment	$ 1,325,146	$ 11,038	$ 1,336,184	$ 16,007	$ 1,352,191



	December 31, 2013
	Performing (Accruing) Loans
	0-29 Days Past Due	30-89 Days Past Due	Total	Non-Performing Loans	Total Loans Receivable, net
LTV < 60%
Pass	43,112	1,195	44,307	-	44,307
Special Mention	306	104	410	-	410
Substandard	136	4	140	-	140
Total	43,554	1,303	44,857	-	44,857
LTV => 60%
Pass	13,838	-	13,838	-	13,838
Special Mention	232	-	232	-	232
Substandard	262	-	262	1,073	1,335
Total	14,332	-	14,332	1,073	15,405
Total one-to-four family residential	57,886	1,303	59,189	1,073	60,262
Commercial
LTV < 35%
Pass	$ 2,143	$ -	2,143	$ -	$ 2,143
Special Mention	189	-	189	-	189
Substandard	937	529	1,466	-	1,466
Total	3,269	529	3,798	-	3,798
LTV > 35%
Pass	8,742	461	9,203	-	9,203
Substandard	-	-	-	252	252
Total	8,742	461	9,203	252	9,455
Total commercial	12,011	990	13,001	252	13,253
Construction and land
Substandard	372	-	372	-	372
Total construction and land	372	-	372	-	372
Multifamily
LTV < 35%
Pass	$ 588	$ -	$ 588	$ -	$ 588
Substandard	490	-	490	-	490
Total	1,078	-	1,078	-	1,078
LTV => 35%
Pass	2,262	-	2,262	-	2,262
Special Mention	590	-	590	-	590
Total	2,852	-	2,852	-	2,852
Total multifamily	3,930	-	3,930	-	3,930
Total loans acquired	74,199	2,293	76,492	1,325	77,817
	$ 1,399,345	$ 13,331	$ 1,412,676	$ 17,332	$ 1,430,008



	December 31, 2012
	Performing (Accruing) Loans
	0-29 Days Past Due	30-89 Days Past Due	Total	Non-Performing Loans	Total Loans Receivable, net
Loans held-for-investment:
Real estate loans:
Commercial
LTV < 35%
Pass	$ 29,424	$ 860	$ 30,284	$ -	$ 30,284
Special Mention	185	-	185	-	185
Substandard	-	-	-	1,699	1,699
Total	29,609	860	30,469	1,699	32,168
LTV > 35%
Pass	208,908	2,771	211,679	-	211,679
Special Mention	22,416	1,105	23,521	-	23,521
Substandard	27,932	-	27,932	20,303	48,235
Total	259,256	3,876	263,132	20,303	283,435
Total commercial	288,865	4,736	293,601	22,002	315,603
One-to-four family residential
LTV < 60%
Pass	29,154	2,966	32,120	-	32,120
Special Mention	1,055	-	1,055	367	1,422
Substandard	448	189	637	429	1,066
Total	30,657	3,155	33,812	796	34,608
LTV > 60%
Pass	26,963	1,128	28,091	-	28,091
Special Mention	384	-	384	-	384
Substandard	249	-	249	2,022	2,271
Total	27,596	1,128	28,724	2,022	30,746
Total one-to-four family residential	58,253	4,283	62,536	2,818	65,354
Construction and land
Pass	12,377	159	12,536	-	12,536
Special Mention	5,137	-	5,137	-	5,137
Substandard	3,512	-	3,512	2,070	5,582
Total construction and land	21,026	159	21,185	2,070	23,255
Multifamily
LTV < 35%
Pass	19,438	-	19,438	-	19,438
Special Mention	-	115	115	-	115
Substandard	510	-	510	-	510
Total	19,948	115	20,063	-	20,063
LTV > 35%
Pass	574,686	748	575,434	-	575,434
Special Mention	9,134	1,310	10,444	-	10,444
Substandard	4,909	340	5,249	279	5,528
Total	588,729	2,398	591,127	279	591,406
Total multifamily	608,677	2,513	611,190	279	611,469
Home equity and lines of credit
Pass	31,482	44	31,526	-	31,526
Special Mention	659	-	659	-	659
Substandard	-	-	-	1,694	1,694
Total home equity and lines of credit	32,141	44	32,185	1,694	33,879
Commercial and industrial loans
Pass	10,356	636	10,992	-	10,992
Special Mention	753	-	753	-	753
Substandard	978	831	1,809	1,256	3,065
Total commercial and industrial loans	12,087	1,467	13,554	1,256	14,810
Other loans
Pass	1,743	59	1,802	2	1,804
Substandard	26	-	26	-	26
Total other loans	1,769	59	1,828	2	1,830
	$ 1,022,818	$ 13,261	$ 1,036,079	$ 30,121	$ 1,066,200

Summary Of Impaired Loans



	At December 31, 2013
	Recorded Investment		Unpaid Principal Balance	Related Allowance
With No Allowance Recorded:
Real estate loans:
Commercial
LTV < 35%
Pass	$ 3,405		$ 3,542	$ -
Substandard	-		706	-
LTV => 35%
Pass	19,689	21,382	21,383	-
Substandard	-		-	-
Construction and land
Substandard	108		91	-
One-to-four family residential
LTV < 60%
Special Mention	507		507	-
Substandard	269		269	-
LTV => 60%
Substandard	-		-	-
Multifamily
LTV < 35%
Substandard	593		1,064	-
LTV > 35%
Substandard	-		-	-
Commercial and industrial loans
Special Mention	210		219	-
Substandard	853		1,008	-
With a Related Allowance Recorded:
Real estate loans:
Commercial
LTV => 35%
Special Mention	2,289		2,672	(52)
Substandard	6,810		6,937	(2,333)
One-to-four family residential
LTV > 60%
Pass	-		-	-
Substandard	340		340	(19)
LTV < 60%
Special Mention	-		-	-
Multifamily
LTV => 35%
Substandard	1,481		1,481	(117)
Home equity and lines of credit
Special Mention	342		342	(7)
Substandard	1,000		1,395	-
Commercial and industrial loans
Substandard	441		485	(104)
Total:
Real estate loans
Commercial	32,193		35,240	(2,385)
One-to-four family residential	1,116		1,116	(19)
Construction and land	108		91	-
Multifamily	2,074		2,545	(117)
Home equity and lines of credit	1,342		1,737	(7)
Commercial and industrial loans	1,504		1,712	(104)
	$ 38,337		$ 42,441	$ (2,632)



	At December 31, 2012
	Recorded Investment	Unpaid Principal Balance	Related Allowance
With No Allowance Recorded:
Real estate loans:
Commercial
LTV < 35%
Substandard	$ 1,699	$ 1,699	$ -
LTV => 35%
Pass	2,774	2,774	-
Special Mention	1,037	1,045	-
Substandard	24,691	25,897	-
Construction and land
Substandard	2,373	3,031	-
One-to-four family residential
LTV < 60%
Substandard	49	49	-
LTV => 60%
Substandard	2,841	4,141	-
Multifamily
LTV < 35%
Substandard	510	510	-
Commercial and industrial loans
Special Mention	38	38	-
Substandard	1,527	1,527	-
With a Related Allowance Recorded:
Real estate loans:
Commercial
LTV => 35%
Special Mention	637	664	(57)
Substandard	11,645	12,045	(2,696)
One-to-four family residential
LTV < 60%
Special Mention	520	520	(5)
Multifamily
LTV => 35%
Substandard	1,640	2,111	(317)
Home equity and lines of credit
Special Mention	356	356	(18)
Substandard	1,587	1,589	(105)
Commercial and industrial loans
Substandard	491	491	(417)
Total:
Real estate loans
Commercial	42,483	44,124	(2,753)
One-to-four family residential	3,410	4,710	(5)
Construction and land	2,373	3,031	-
Multifamily	2,150	2,621	(317)
Home equity and lines of credit	1,943	1,945	(123)
Commercial and industrial loans	2,056	2,056	(417)
	$ 54,415	$ 58,487	$ (3,615)

Summary Of Troubled Debt Restructuring



	Year Ended December 31, 2013
		Pre-Modification	Post-Modification
	Number of	Outstanding Recorded	Outstanding Recorded
	Relationships	Investment	Investment
	(in thousands)
Troubled Debt Restructurings
One-to-four Family
Pass	1	$ 70	$ 70
Special Mention	1	331	331
Substandard	2	606	606
Total Troubled Debt Restructurings	4	$ 1,007	$ 1,007

All four of the relationships in the table above were restructured to receive reduced interest rates.



	Year Ended December 31, 2012
		Pre-Modification	Post-Modification
	Number of	Outstanding Recorded	Outstanding Recorded
	Relationships	Investment	Investment
	(in thousands)
Troubled Debt Restructurings
Commercial real estate loans
Substandard	1	$ 6,251	$ 6,251
One-to-four Family
Substandard	2	489	489
Home equity and lines of credit
Special Mention	2	356	356
Total Troubled Debt Restructurings	5	$ 7,096	$ 7,096

Detail And Delinquency Status Of Restructured Loans



	Year Ended December 31, 2013
	Number of	30-89 Days	90 Days or More
	Relationships	Past Due	Past Due
	(in thousands)
Commercial & Industrial
Substandard - non-accrual	1	$ -	$ 441
Total	1	-	441
CRE
Substandard - non-accrual	3	-	7,052
Total	3	-	7,052
Total	4	$ -	$ 7,493

	Year Ended December 31, 2012
		Pre-Modification	Post-Modification
	Number of	Outstanding Recorded	Outstanding Recorded
	Relationships	Investment	Investment
	(in thousands)
One-to-four Family
Substandard - non-accrual	1	$ -	$ 256
Total	1	$ -	$ 256