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Off-Balance-Sheet Financial Instruments and Concentrations of Credit Risk (Tables)

12 Months Ended

Dec. 31, 2012

Off-Balance-Sheet Financial Instruments and Concentrations of Credit Risk [Abstract]

Off-Balance-Sheet Financial instruments

        At December 31, 2012 and 2011, the Bank had the following off-balance-sheet financial instruments, whose contract amounts represent credit risk:

As of December 31,		2012				2011
Unused lines, collateralized by residential real estate		$	56,420,000			$	59,427,000
Other unused commitments			45,747,000				39,313,000
Standby letters of credit			2,700,000				2,177,000
Commitments to extend credit			6,245,000				12,551,000
Total		$	111,112,000			$	113,468,000

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Tabular disclosure of the nature and terms of the financial instruments with off-balance sheet risk.

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