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Loans (Tables)

12 Months Ended

Dec. 31, 2013

Receivables [Abstract]

Summary of Loans, Including Covered Loans and Net of Unearned Income

Loans, including Covered Loans and net of unearned income, consisted of the following as of December 31 of the years indicated.

(dollars in thousands)		2013				2012
Real estate loans:
One- to four-family first mortgage		$	179,506			$	177,816
Home equity loans and lines			40,561				40,425
Commercial real estate			269,849				252,805
Construction and land			83,271				75,529
Multi-family residential			16,578				19,659
Total real estate loans			589,765				566,234
Other loans:
Commercial and industrial			77,533				72,253
Consumer			40,158				34,641
Total other loans			117,691				106,894
Total loans		$	707,456			$	673,128

Schedule of Activity in Allowance for Loan Losses

A summary of activity in the allowance for loan losses for the years ended December 31, 2013, 2012 and 2011 is as follows.

		For the Year Ended December 31, 2013
(dollars in thousands)		Beginning Balance				Charge-offs				Recoveries				Provision				Ending Balance
Originated loans:
Allowance for loan losses:
One- to four-family first mortgage		$	798			$	(76	)		$	—			$	182			$	904
Home equity loans and lines			322				—				10				34				366
Commercial real estate			2,040				—				—				487				2,528
Construction and land			785				(44	)			10				226				977
Multi-family residential			86				—				—				4				90
Commercial and industrial			683				(1,990	)			57				2,582				1,332
Consumer			400				(9	)			24				58				473
Total allowance for loan losses		$	5,114			$	(2,119	)		$	101			$	3,574			$	6,670
Non-covered acquired loans:
Allowance for loan losses:
One- to four-family first mortgage		$	184			$	(36	)		$	—			$	36			$	184
Home equity loans and lines			21				—				—				37				58
Commercial real estate			—				—				—				—				—
Construction and land			—				—				—				—				—
Multi-family residential			—				—				—				—				—
Commercial and industrial			—				—				—				6				6
Consumer			—				—				—				—				—
Total allowance for loan losses		$	205			$	(36	)		$	—			$	79			$	248
Covered loans:
Allowance for loan losses:
One- to four-family first mortgage		$	—			$	—			$	—			$	—			$	—
Home equity loans and lines			—				—				—				—				—
Commercial real estate			—				—				—				—				—
Construction and land			—				—				—				—				—
Multi-family residential			—				—				—				—				—
Commercial and industrial			—				—				—				—				—
Consumer			—				—				—				—				—
Total allowance for loan losses		$	—			$	—			$	—			$	—			$	—
Total loans:
Allowance for loan losses:
One- to four-family first mortgage		$	982			$	(112	)		$	—			$	218			$	1,088
Home equity loans and lines			343				—				10				71				424
Commercial real estate			2,040				—				—				488				2,528
Construction and land			785				(44	)			10				226				977
Multi-family residential			86				—				—				4				90
Commercial and industrial			683				(1,990	)			57				2,588				1,338
Consumer			400				(9	)			24				58				473
Total allowance for loan losses		$	5,319			$	(2,155	)		$	101			$	3,653			$	6,918

		For the Year Ended December 31, 2012
(dollars in thousands)		Beginning Balance				Charge-offs				Recoveries				Provision				Ending Balance
Originated loans:
Allowance for loan losses:
One- to four-family first mortgage		$	778			$	—			$	—			$	20			$	798
Home equity loans and lines			336				(32	)			15				3				322
Commercial real estate			1,755				(1,980	)			94				2,171				2,040
Construction and land			904				(215	)			—				96				785
Multi-family residential			64				—				—				22				86
Commercial and industrial			872				(60	)			6				(135	)			683
Consumer			345				(38	)			14				79				400
Total allowance for loan losses		$	5,054			$	(2,325	)		$	129			$	2,256			$	5,114
Non-covered acquired loans:
Allowance for loan losses:
One- to four-family first mortgage		$	—			$	—			$	—			$	184			$	184
Home equity loans and lines			—				—				—				21				21
Commercial real estate			—				—				—				—				—
Construction and land			—				—				—				—				—
Multi-family residential			—				—				—				—				—
Commercial and industrial			—				—				—				—				—
Consumer			—				—				—				—				—
Total allowance for loan losses		$	—			$	—			$	—			$	205			$	205
Covered loans:
Allowance for loan losses:
One- to four-family first mortgage		$	—			$	—			$	—			$	—			$	—
Home equity loans and lines			—				—				—				—				—
Commercial real estate			—				—				—				—				—
Construction and land			—				—				—				—				—
Multi-family residential			—				—				—				—				—
Commercial and industrial			50				—				—				(50	)			—
Consumer			—				—				—				—				—
Total allowance for loan losses		$	50			$	—			$	—			$	(50	)		$	—
Total loans:
Allowance for loan losses:
One- to four-family first mortgage		$	778			$	—			$	—			$	204			$	982
Home equity loans and lines			336				(32	)			15				24				343
Commercial real estate			1,755				(1,980	)			94				2,171				2,040
Construction and land			904				(215	)			—				96				785
Multi-family residential			64				—				—				22				86
Commercial and industrial			922				(60	)			6				(185	)			683
Consumer			345				(38	)			14				79				400
Total allowance for loan losses		$	5,104			$	(2,325	)		$	129			$	2,411			$	5,319

		For the Year Ended December 31, 2011
(dollars in thousands)		Beginning Balance				Charge-offs				Recoveries				Provision				Ending Balance
Originated loans:
Allowance for loan losses:
One- to four-family first mortgage		$	641			$	—			$	16			$	121			$	778
Home equity loans and lines			296				—				—				40				336
Commercial real estate			1,258				—				6				491				1,755
Construction and land			666				—				—				238				904
Multi-family residential			46				—				—				18				64
Commercial and industrial			746				(281	)			25				382				872
Consumer			267				(53	)			11				120				345
Total allowance for loan losses		$	3,920			$	(334	)		$	58			$	1,410			$	5,054
Non-covered acquired loans:
Allowance for loan losses:
One- to four-family first mortgage		$	—			$	—			$	—			$	—			$	—
Home equity loans and lines			—				—				—				—				—
Commercial real estate			—				—				—				—				—
Construction and land			—				—				—				—				—
Multi-family residential			—				—				—				—				—
Commercial and industrial			—				—				—				—				—
Consumer			—				—				—				—				—
Total allowance for loan losses		$	—			$	—			$	—			$	—			$	—
Covered loans:
Allowance for loan losses:
One- to four-family first mortgage		$	—			$	—			$	—			$	—			$	—
Home equity loans and lines			—				—				—				—				—
Commercial real estate			—				—				—				—				—
Construction and land			—				—				—				—				—
Multi-family residential			—				—				—				—				—
Commercial and industrial			—				—				—				50				50
Consumer			—				—				—				—				—
Total allowance for loan losses		$	—			$	—			$	—			$	50			$	50
Total loans:
Allowance for loan losses:
One- to four-family first mortgage		$	641			$	—			$	16			$	121			$	778
Home equity loans and lines			296				—				—				40				336
Commercial real estate			1,258				—				6				491				1,755
Construction and land			666				—				—				238				904
Multi-family residential			46				—				—				18				64
Commercial and industrial			746				(281	)			25				432				922
Consumer			267				(53	)			11				120				345
Total allowance for loan losses		$	3,920			$	(334	)		$	58			$	1,460			$	5,104

Allowance for Loan Losses and Recorded Investment in Loans

The allowance for loan losses and recorded investment in loans as of the periods indicated is as follows.

		As of December 31, 2013
		Originated Loans								Acquired Loans
(dollars in thousands)		Collectively Evaluated for Impairment				Individually Evaluated for Impairment				Non-covered Acquired Loans(1)				Covered Loans				Total
Allowance for loan losses:
One- to four-family first mortgage		$	904			$	—			$	184			$	—			$	1,088
Home equity loans and lines			366				—				58				—				424
Commercial real estate			2,528				—				—				—				2,528
Construction and land			977				—				—				—				977
Multi-family residential			90				—				—				—				90
Commercial and industrial			850				482				6				—				1,338
Consumer			473				—				—				—				473
Total allowance for loan losses		$	6,188			$	482			$	248			$	—			$	6,918

		As of December 31, 2013
		Originated Loans								Acquired Loans
(dollars in thousands)		Collectively Evaluated for Impairment				Individually Evaluated for Impairment				Non-covered Acquired Loans(1)				Covered Loans				Total
Loans:
One- to four-family first mortgage		$	137,685			$	386			$	37,084			$	4,351			$	179,506
Home equity loans and lines			30,422				3				7,798				2,338				40,561
Commercial real estate			225,356				360				32,945				11,188				269,849
Construction and land			79,771				—				2,096				1,404				83,271
Multi-family residential			7,778				—				7,678				1,122				16,578
Commercial and industrial			72,003				1,831				2,428				1,271				77,533
Consumer			39,661				—				497				—				40,158
Total loans		$	592,676			$	2,580			$	90,526			$	21,674			$	707,456

		As of December 31, 2012
		Originated Loans								Acquired Loans
(dollars in thousands)		Collectively Evaluated for Impairment				Individually Evaluated for Impairment				Non-covered Acquired Loans(1)				Covered Loans				Total
Allowance for loan losses:
One- to four-family first mortgage		$	749			$	49			$	184			$	—			$	982
Home equity loans and lines			322				—				21				—				343
Commercial real estate			1,906				134				—				—				2,040
Construction and land			785				—				—				—				785
Multi-family residential			86				—				—				—				86
Commercial and industrial			683				—				—				—				683
Consumer			400				—				—				—				400
Total allowance for loan losses		$	4,931			$	183			$	205			$	—			$	5,319

		As of December 31, 2012
		Originated Loans								Acquired Loans
(dollars in thousands)		Collectively Evaluated for Impairment				Individually Evaluated for Impairment				Non-covered Acquired Loans(1)				Covered Loans				Total
Loans:
One- to four-family first mortgage		$	115,278			$	1,464			$	49,943			$	11,131			$	177,816
Home equity loans and lines			26,937				56				10,123				3,309				40,426
Commercial real estate			182,376				3,428				44,132				22,869				252,805
Construction and land			66,815				60				3,650				5,004				75,529
Multi-family residential			7,930				528				9,818				1,383				19,658
Commercial and industrial			66,321				—				4,469				1,463				72,253
Consumer			33,341				—				695				605				34,641
Total loans		$	498,998			$	5,536			$	122,830			$	45,764			$	673,128

⁽¹⁾  $4.6 million and $5.3 million in GSFC loans were accounted for under ASC 310-30 at December 31, 2013 and 2012, respectively.

Schedule of Credit Quality Indicators of Loan Portfolio

Credit quality indicators on the Company’s loan portfolio as of the dates indicated are as follows.

		December 31, 2013
(dollars in thousands)		Pass				Special Mention				Substandard				Doubtful				Total
Originated loans:
One- to four-family first mortgage		$	136,274			$	265			$	1,532			$	—			$	138,071
Home equity loans and lines			29,962				149				314				—				30,425
Commercial real estate			218,779				800				6,137				—				225,716
Construction and land			78,297				147				1,327				—				79,771
Multi-family residential			6,902				876				—				—				7,778
Commercial and industrial			65,271				4,682				3,881				—				73,834
Consumer			39,336				48				277				—				39,661
Total originated loans		$	574,821			$	6,967			$	13,468			$	—			$	595,256
Non-covered acquired loans:
One- to four-family first mortgage		$	31,467			$	119			$	5,498			$	—			$	37,084
Home equity loans and lines			7,226				198				374				—				7,798
Commercial real estate			30,192				—				2,753				—				32,945
Construction and land			1,044				—				1,052				—				2,096
Multi-family residential			5,397				33				2,248				—				7,678
Commercial and industrial			2,428				—				—				—				2,428
Consumer			497				—				—				—				497
Total non-covered acquired loans		$	78,251			$	350			$	11,925			$	—			$	90,526
Covered:
One- to four-family first mortgage		$	3,108			$	151			$	1,092			$	—			$	4,351
Home equity loans and lines			2,084				21				233				—				2,338
Commercial real estate			9,702				249				1,237				—				11,188
Construction and land			1,247				64				93				—				1,404
Multi-family residential			206				916				—				—				1,122
Commercial and industrial			451				5				815				—				1,271
Consumer			—				—				—				—				—
Total covered loans		$	16,798			$	1,406			$	3,470			$	—			$	21,674
Total:
One- to four-family first mortgage		$	170,849			$	535			$	8,122			$	—			$	179,506
Home equity loans and lines			39,272				368				921				—				40,561
Commercial real estate			258,673				1,049				10,127				—				269,849
Construction and land			80,588				211				2,472				—				83,271
Multi-family residential			12,505				1,825				2,248				—				16,578
Commercial and industrial			68,150				4,687				4,696				—				77,533
Consumer			39,833				48				277				—				40,158
Total loans		$	669,870			$	8,723			$	28,863			$	—			$	707,456

		December 31, 2012
(dollars in thousands)		Pass				Special Mention				Substandard				Doubtful				Total
Originated loans:
One- to four-family first mortgage		$	114,278			$	690			$	1,774			$	—			$	116,742
Home equity loans and lines			26,870				56				67				—				26,993
Commercial real estate			176,410				4,951				4,443				—				185,804
Construction and land			66,441				267				167				—				66,875
Multi-family residential			7,030				899				529				—				8,458
Commercial and industrial			63,561				2,590				170				—				66,321
Consumer			33,280				60				1				—				33,341
Total originated loans		$	487,870			$	9,513			$	7,151			$	—			$	504,534
Non-covered acquired loans:
One- to four-family first mortgage		$	43,673			$	952			$	5,318			$	—			$	49,943
Home equity loans and lines			9,402				82				639				—				10,123
Commercial real estate			37,137				782				6,213				—				44,132
Construction and land			3,072				106				472				—				3,650
Multi-family residential			8,756				264				798				—				9,818
Commercial and industrial			4,424				—				45				—				4,469
Consumer			695				—				—				—				695
Total non-covered acquired loans		$	107,159			$	2,186			$	13,485			$	—			$	122,830
Covered:
One- to four-family first mortgage		$	8,555			$	254			$	2,322			$	—			$	11,131
Home equity loans and lines			3,147				28				134				—				3,309
Commercial real estate			20,563				—				2,306				—				22,869
Construction and land			3,432				4				1,568				—				5,004
Multi-family residential			424				959				—				—				1,383
Commercial and industrial			577				5				881				—				1,463
Consumer			565				23				17				—				605
Total covered loans		$	37,263			$	1,273			$	7,228			$	—			$	45,764
Total:
One- to four-family first mortgage		$	166,506			$	1,896			$	9,414			$	—			$	177,816
Home equity loans and lines			39,419				166				840				—				40,425
Commercial real estate			234,110				5,733				12,962				—				252,805
Construction and land			72,945				377				2,207				—				75,529
Multi-family residential			16,210				2,122				1,327				—				19,659
Commercial and industrial			68,562				2,595				1,096				—				72,253
Consumer			34,540				83				18				—				34,641
Total loans		$	632,292			$	12,972			$	27,864			$	—			$	673,128

Schedule of Past Due Loans

Age analysis of past due loans, as of the dates indicated is as follows.

		December 31, 2013
(dollars in thousands)		30-59 Days Past Due				60-89 Days Past Due				Greater Than 90 Days Past Due				Total Past Due				Current Loans				Total Loans
Originated loans:
Real estate loans:
One- to four-family first mortgage		$	1,726			$	272			$	290			$	2,288			$	135,783			$	138,071
Home equity loans and lines			36				111				66				213				30,212				30,425
Commercial real estate			571				—				1,257				1,828				223,888				225,716
Construction and land			406				1				83				490				79,281				79,771
Multi-family residential			—				—				—				—				7,778				7,778
Total real estate loans			2,739				384				1,696				4,819				476,942				481,761
Other loans:
Commercial and industrial			2,026				3,243				182				5,451				68,383				73,834
Consumer			514				262				277				1,053				38,608				39,661
Total other loans			2,540				3,505				459				6,504				106,991				113,495
Total originated loans		$	5,279			$	3,889			$	2,155			$	11,323			$	583,933			$	595,256
Non-covered acquired loans:
Real estate loans:
One- to four-family first mortgage		$	884			$	658			$	3,457			$	4,999			$	32,085			$	37,084
Home equity loans and lines			50				—				174				224				7,574				7,798
Commercial real estate			239				241				2,753				3,233				29,712				32,945
Construction and land			8				—				1,052				1,060				1,036				2,096
Multi-family residential			879				—				987				1,866				5,812				7,678
Total real estate loans			2,060				899				8,423				11,382				76,219				87,601
Other loans:
Commercial and industrial			—				—				—				—				2,428				2,428
Consumer			—				—				—				—				497				497
Total other loans			—				—				—				—				2,925				2,925
Total non-covered acquired loans		$	2,060			$	899			$	8,423			$	11,382			$	79,144			$	90,526
Covered loans:
Real estate loans:
One- to four-family first mortgage		$	588			$	319			$	864			$	1,771			$	2,580			$	4,351
Home equity loans and lines			161				51				146				358				1,980				2,338
Commercial real estate			459				—				701				1,160				10,028				11,188
Construction and land			11				27				10				48				1,356				1,404
Multi-family residential			—				—				—				—				1,122				1,122
Total real estate loans			1,219				397				1,721				3,337				17,066				20,403
Other loans:
Commercial and industrial			5				109				62				176				1,095				1,271
Consumer			—				—				—				—				—				—
Total other loans			5				109				62				176				1,095				1,271
Total covered loans		$	1,224			$	506			$	1,783			$	3,513			$	18,161			$	21,674
Total loans:
Real estate loans:
One- to four-family first mortgage		$	3,198			$	1,249			$	4,611			$	9,058			$	170,448			$	179,506
Home equity loans and lines			247				162				386				795				39,766				40,561
Commercial real estate			1,269				241				4,711				6,221				263,628				269,849
Construction and land			425				28				1,145				1,598				81,673				83,271
Multi-family residential			879				—				987				1,866				14,712				16,578
Total real estate loans			6,018				1,680				11,840				19,538				570,227				589,765
Other loans:
Commercial and industrial			2,031				3,352				244				5,627				71,906				77,533
Consumer			514				262				277				1,053				39,105				40,158
Total other loans			2,545				3,614				521				6,680				111,011				117,691
Total loans		$	8,563			$	5,294			$	12,361			$	26,218			$	681,238			$	707,456

		December 31, 2012
(dollars in thousands)		30-59 Days Past Due				60-89 Days Past Due				Greater Than 90 Days Past Due				Total Past Due				Current Loans				Total Loans
Originated loans:
Real estate loans:
One- to four-family first mortgage		$	2,241			$	236			$	20			$	2,497			$	114,245			$	116,742
Home equity loans and lines			62				17				—				79				26,914				26,993
Commercial real estate			1,008				757				511				2,276				183,528				185,804
Construction and land			285				—				167				452				66,423				66,875
Multi-family residential			220				—				529				749				7,709				8,458
Total real estate loans			3,816				1,010				1,227				6,053				398,819				404,872
Other loans:
Commercial and industrial			60				35				170				265				66,056				66,321
Consumer			479				449				1				929				32,412				33,341
Total other loans			539				484				171				1,194				98,468				99,662
Total originated loans		$	4,355			$	1,494			$	1,398			$	7,247			$	497,287			$	504,534
Non-covered acquired loans:
Real estate loans:
One- to four-family first mortgage		$	726			$	240			$	1,489			$	2,455			$	47,488			$	49,943
Home equity loans and lines			54				98				147				299				9,824				10,123
Commercial real estate			348				92				2,907				3,347				40,785				44,132
Construction and land			577				—				366				943				2,707				3,650
Multi-family residential			311				—				678				989				8,829				9,818
Total real estate loans			2,016				430				5,587				8,033				109,633				117,666
Other loans:
Commercial and industrial			48				65				—				113				4,356				4,469
Consumer			—				—				—				—				695				695
Total other loans			48				65				—				113				5,051				5,164
Total non-covered acquired loans		$	2,064			$	495			$	5,587			$	8,146			$	114,684			$	122,830
Covered loans:
Real estate loans:
One- to four-family first mortgage		$	1,438			$	1,079			$	1,706			$	4,223			$	6,908			$	11,131
Home equity loans and lines			294				—				135				429				2,880				3,309
Commercial real estate			76				4				1,209				1,289				21,580				22,869
Construction and land			89				6				1,249				1,344				3,660				5,004
Multi-family residential			—				—				—				—				1,383				1,383
Total real estate loans			1,897				1,089				4,299				7,285				36,411				43,696
Other loans:
Commercial and industrial			—				75				366				441				1,022				1,463
Consumer			44				4				13				61				544				605
Total other loans			44				79				379				502				1,566				2,068
Total covered loans		$	1,941			$	1,168			$	4,678			$	7,787			$	37,977			$	45,764
Total loans:
Real estate loans:
One- to four-family first mortgage		$	4,405			$	1,555			$	3,215			$	9,175			$	168,641			$	177,816
Home equity loans and lines			410				115				282				807				39,618				40,425
Commercial real estate			1,432				853				4,627				6,912				245,893				252,805
Construction and land			951				6				1,782				2,739				72,790				75,529
Multi-family residential			531				—				1,207				1,738				17,921				19,659
Total real estate loans		$	7,729				2,529				11,113				21,371				544,863				566,234
Other loans:
Commercial and industrial			108				175				536				819				71,434				72,253
Consumer			523				453				14				990				33,651				34,641
Total other loans			631				628				550				1,809				105,085				106,894
Total loans		$	8,360			$	3,157			$	11,663			$	23,180			$	649,948			$	673,128

Summary of Information Pertaining to Impaired Loans Excluding Acquired Loans

The following is a summary of information pertaining to impaired loans, excluding acquired loans, as of the dates indicated.

		For the Year Ended December 31, 2013
(dollars in thousands)		Recorded Investment				Unpaid Principal Balance				Related Allowance				Average Recorded Investment				Interest Income Recognized
With no related allowance recorded:
One- to four-family first mortgage		$	386			$	386			$	—			$	782			$	12
Home equity loans and lines			3				3				—				26				—
Commercial real estate			360				360				—				1,336				—
Construction and land			—				—				—				80				—
Multi-family residential			—				—				—				325				—
Commercial and industrial			584				584				—				743				17
Consumer			—				—				—				—				—
Total		$	1,333			$	1,333			$	—			$	3,292			$	29
With an allowance recorded:
One- to four-family first mortgage		$	—			$	—			$	—			$	126			$	—
Home equity loans and lines			—				—				—				—				—
Commercial real estate			—				—				—				102				—
Construction and land			—				—				—				5				—
Multi-family residential			—				—				—				—				—
Commercial and industrial			1,247				1,247				482				987				38
Consumer			—				—				—				—				—
Total		$	1,247			$	1,247			$	482			$	1,220			$	38
Total impaired loans:
One- to four-family first mortgage		$	386			$	386			$	—			$	908			$	12
Home equity loans and lines			3				3				—				26				—
Commercial real estate			360				360				—				1,438				—
Construction and land			—				—				—				85				—
Multi-family residential			—				—				—				325				—
Commercial and industrial			1,831				1,831				482				1,730				55
Consumer			—				—				—				—				—
Total		$	2,580			$	2,580			$	482			$	4,512			$	67

		For the Year Ended December 31, 2012
(dollars in thousands)		Recorded Investment				Unpaid Principal Balance				Related Allowance				Average Recorded Investment				Interest Income Recognized
With no related allowance recorded:
One- to four-family first mortgage		$	1,117			$	1,117			$	—			$	956			$	62
Home equity loans and lines			56				56				—				71				2
Commercial real estate			2,985				2,985				—				3,451				100
Construction and land			60				60				—				631				—
Multi-family residential			528				528				—				528				—
Commercial and industrial			—				—				—				48				—
Consumer			—				—				—				—				—
Total		$	4,746			$	4,746			$	—			$	5,685			$	164
With an allowance recorded:
One- to four-family first mortgage		$	347			$	347			$	49			$	445			$	23
Home equity loans and lines			—				—				—				3				—
Commercial real estate			443				443				134				296				30
Construction and land			—				—				—				950				—
Multi-family residential			—				—				—				—				—
Commercial and industrial			—				—				—				29				—
Consumer			—				—				—				—				—
Total		$	790			$	790			$	183			$	1,723			$	53
Total impaired loans:
One- to four-family first mortgage		$	1,464			$	1,464			$	49			$	1,401			$	85
Home equity loans and lines			56				56				—				74				2
Commercial real estate			3,428				3,428				134				3,747				130
Construction and land			60				60				—				1,581				—
Multi-family residential			528				528				—				528				—
Commercial and industrial			—				—				—				77				—
Consumer			—				—				—				—				—
Total		$	5,536			$	5,536			$	183			$	7,408			$	217

Summary of Information Pertaining to Nonaccrual Noncovered Loans

A summary of information pertaining to nonaccrual loans as of December 31, 2013 and 2012 is as follows.

		December 31, 2013																December 31, 2012
(dollars in thousands)		Originated				Non- covered Acquired(1)				Covered				Total				Originated				Non- covered Acquired(1)				Covered				Total
Nonaccrual loans:
One- to four-family first mortgage		$	689			$	4,744			$	2,184			$	7,617			$	126			$	4,518			$	2,616			$	7,260
Home equity loans and lines			66				487				170				723				—				149				135				284
Commercial real estate			1,939				3,957				1,221				7,117				1,187				4,180				1,617				6,984
Construction and land			84				1,307				440				1,831				166				543				3,404				4,113
Multi-family residential			—				2,248				—				2,248				529				798				—				1,327
Commercial and industrial			3,881				—				954				4,835				170				—				1,746				1,916
Consumer			277				—				111				388				1				—				62				63
Total		$	6,936			$	12,743			$	5,080			$	24,759			$	2,179			$	10,188			$	9,580			$	21,947

⁽¹⁾  Nonaccrual non-covered acquired loans accounted for under ASC 310-30 at the time of acquisition totaled $5.5 million and $3.4 million as of December 31, 2013 and 2012, respectively.

Information about the Company's TDRs

Information about the Company’s TDRs is presented in the following tables.

		As of December 31, 2013
(dollars in thousands)		Current				Past Due Greater Than 30 Days				Nonaccrual TDRs				Total TDRs(1)
Originated loans:
Real estate loans:
One- to four-family first mortgage		$	—			$	—			$	296			$	296
Home equity loans and lines			—				—				—				—
Commercial real estate			275				—				111				386
Construction and land			147				—				—				147
Multi-family residential			—				—				—				—
Total real estate loans			422				—				407				829
Other loans:
Commercial and industrial			—				—				—				—
Consumer			3				—				—				3
Total other loans			3				—				—				3
Total loans		$	425			$	—			$	407			$	832
Non-covered acquired loans:
Real estate loans:
One- to four-family first mortgage		$	—			$	—			$	586			$	586
Home equity loans and lines			—				—				—				—
Commercial real estate			—				—				1,046				1,046
Construction and land			—				—				—				—
Multi-family residential			—				—				676				676
Total real estate loans			—				—				2,308				2,308
Other loans:
Commercial and industrial			—				—				—				—
Consumer			—				—				—				—
Total other loans			—				—				—				—
Total loans		$	—			$	—			$	2,308			$	2,308
Covered loans:
Real estate loans:
One- to four-family first mortgage		$	—			$	—			$	—			$	—
Home equity loans and lines			—				—				—				—
Commercial real estate			—				—				—				—
Construction and land			—				—				392				392
Multi-family residential			—				—				—				—
Total real estate loans			—				—				392				392
Other loans:
Commercial and industrial			—				—				830				830
Consumer			5				—				31				36
Total other loans			5				—				861				866
Total loans		$	5			$	—			$	1,253			$	1,258
Total loans:
Real estate loans:
One- to four-family first mortgage		$	—			$	—			$	882			$	882
Home equity loans and lines			—				—				—				—
Commercial real estate			275				—				1,157				1,432
Construction and land			147				—				392				539
Multi-family residential			—				—				676				676
Total real estate loans			422				—				3,107				3,529
Other loans:
Commercial and industrial			—				—				830				830
Consumer			8				—				31				39
Total other loans			8				—				861				869
Total loans		$	430			$	—			$	3,968			$	4,398

		As of December 31, 2012
(dollars in thousands)		Current				Past Due Greater Than 30 Days				Nonaccrual TDRs				Total TDRs(1)
Originated loans:
Real estate loans:
One- to four-family first mortgage		$	—			$	310			$	—			$	310
Home equity loans and lines			—				—				—				—
Commercial real estate			—				299				112				411
Construction and land			182				—				—				182
Multi-family residential			—				—				—				—
Total real estate loans			182				609				112				903
Other loans:
Commercial and industrial			5				—				—				5
Consumer			12				—				—				12
Total other loans			17				—				—				17
Total loans		$	199			$	609			$	112			$	920
Non-covered acquired loans:
Real estate loans:
One- to four-family first mortgage		$	—			$	—			$	52			$	52
Home equity loans and lines			—				—				—				—
Commercial real estate			—				—				1,126				1,126
Construction and land			—				—				—				—
Multi-family residential			—				—				678				678
Total real estate loans			—				—				1,856				1,856
Other loans:
Commercial and industrial			—				—				—				—
Consumer			—				—				—				—
Total other loans			—				—				—				—
Total loans		$	—			$	—			$	1,856			$	1,856
Covered loans:
Real estate loans:
One- to four-family first mortgage		$	—			$	—			$	—			$	—
Home equity loans and lines			—				—				—				—
Commercial real estate			—				—				—				—
Construction and land			289				—				—				289
Multi-family residential			—				—				—				—
Total real estate loans			289				—				—				289
Other loans:
Commercial and industrial			—				—				896				896
Consumer			17				—				—				17
Total other loans			17				—				896				913
Total loans		$	306			$	—			$	896			$	1,202
Total loans:
Real estate loans:
One- to four-family first mortgage		$	—			$	310			$	52			$	362
Home equity loans and lines			—				—				—				—
Commercial real estate			—				299				1,238				1,537
Construction and land			471				—				—				471
Multi-family residential			—				—				678				678
Total real estate loans			471				609				1,968				3,048
Other loans:
Commercial and industrial			5				—				896				901
Consumer			29				—				—				29
Total other loans			34				—				896				930
Total loans		$	505			$	609			$	2,864			$	3,978

Summary of Information Pertaining to Modified Terms of Loans

A summary of information pertaining to modified terms of loans, as of the date indicated is as follows.

		As of December 31, 2013												As of December 31, 2012
(dollars in thousands)		Number of Contracts				Pre- modification Outstanding Recorded Investment				Post- modification Outstanding Recorded Investment				Number of Contracts				Pre- modification Outstanding Recorded Investment				Post- modification Outstanding Recorded Investment
Troubled debt restructurings:
One- to four-family first mortgage			5			$	1,036			$	882				2			$	365			$	361
Home equity loans and lines			—				—				—				—				—				—
Commercial real estate			3				1,452				1,432				3				1,556				1,537
Construction and land			4				1,299				539				3				936				471
Multi-family residential			1				784				676				1				787				679
Commercial and industrial			1				1,174				830				2				1,250				901
Other consumer			5				66				39				3				41				29
Total			19			$	5,811			$	4,398				14			$	4,935			$	3,978

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