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Allowance for Loan Losses (Tables) | 3 Months Ended
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Mar. 31, 2013
Allowance for Loan and Lease Losses, Provision for Loss, Net [Abstract] |
Allowance for loan losses by class of financing receivable and allowance | A breakdown of the allowance for loan losses as of March 31, 2013, December 31, 2012, and March 31, 2012, by class of financing receivable and allowance element, is presented in the following tables:
As of March 31, 2013 | Specific Reserves on Loans Evaluated Individually for Impairment |  | General Reserves on Loans Based on Historical Loss Experience |  | Reserves for Qualitative Factors |  | Unallocated Reserves |  | Total Reserves
Commercial |  |  |  |  |  |  |  |  |
Real estate | $ | 1,473,000 |  |  | $ | 2,177,000 |  |  | $ | 2,229,000 |  |  | $ | — |  |  | $ | 5,879,000 |
Construction | 760,000 |  |  | 150,000 |  |  | 154,000 |  |  | — |  |  | 1,064,000 |
Other | 535,000 |  |  | 781,000 |  |  | 799,000 |  |  | — |  |  | 2,115,000 |
Municipal | — |  |  | — |  |  | 18,000 |  |  | — |  |  | 18,000 |
Residential |  |  |  |  |  |  |  |  |
Term | 337,000 |  |  | 336,000 |  |  | 440,000 |  |  | — |  |  | 1,113,000 |
Construction | — |  |  | 4,000 |  |  | 5,000 |  |  | — |  |  | 9,000 |
Home equity line of credit | — |  |  | 522,000 |  |  | 337,000 |  |  | — |  |  | 859,000 |
Consumer | — |  |  | 345,000 |  |  | 229,000 |  |  | — |  |  | 574,000 |
Unallocated | — |  |  | — |  |  | — |  |  | 1,089,000 |  |  | 1,089,000 |
| $ | 3,105,000 |  |  | $ | 4,315,000 |  |  | $ | 4,211,000 |  |  | $ | 1,089,000 |  |  | $ | 12,720,000 |
As of December 31, 2012 | Specific Reserves on Loans Evaluated Individually for Impairment |  | General Reserves on Loans Based on Historical Loss Experience |  | Reserves for Qualitative Factors |  | Unallocated Reserves |  | Total Reserves
Commercial |  |  |  |  |  |  |  |  |
Real estate | $ | 1,523,000 |  |  | $ | 2,369,000 |  |  | $ | 1,973,000 |  |  | $ | — |  |  | $ | 5,865,000 |
Construction | 969,000 |  |  | 213,000 |  |  | 177,000 |  |  | — |  |  | 1,359,000 |
Other | 652,000 |  |  | 763,000 |  |  | 635,000 |  |  | — |  |  | 2,050,000 |
Municipal | — |  |  | — |  |  | 18,000 |  |  | — |  |  | 18,000 |
Residential |  |  |  |  |  |  |  |  |
Term | 395,000 |  |  | 278,000 |  |  | 436,000 |  |  | — |  |  | 1,109,000 |
Construction | — |  |  | 4,000 |  |  | 7,000 |  |  | — |  |  | 11,000 |
Home equity line of credit | — |  |  | 315,000 |  |  | 339,000 |  |  | — |  |  | 654,000 |
Consumer | — |  |  | 362,000 |  |  | 230,000 |  |  | — |  |  | 592,000 |
Unallocated | — |  |  | — |  |  | — |  |  | 842,000 |  |  | 842,000 |
| $ | 3,539,000 |  |  | $ | 4,304,000 |  |  | $ | 3,815,000 |  |  | $ | 842,000 |  |  | $ | 12,500,000 |
As of March 31, 2012 | Specific Reserves on Loans Evaluated Individually for Impairment |  | General Reserves on Loans Based on Historical Loss Experience |  | Reserves for Qualitative Factors |  | Unallocated Reserves |  | Total Reserves
Commercial |  |  |  |  |  |  |  |  |
Real estate | $ | 944,000 |  |  | $ | 2,648,000 |  |  | $ | 2,270,000 |  |  | $ | — |  |  | $ | 5,862,000 |
Construction | 117,000 |  |  | 316,000 |  |  | 271,000 |  |  | — |  |  | 704,000 |
Other | 480,000 |  |  | 886,000 |  |  | 759,000 |  |  | — |  |  | 2,125,000 |
Municipal | — |  |  | — |  |  | 19,000 |  |  | — |  |  | 19,000 |
Residential |  |  |  |  |  |  |  |  |
Term | 592,000 |  |  | 185,000 |  |  | 459,000 |  |  | — |  |  | 1,236,000 |
Construction | 49,000 |  |  | 2,000 |  |  | 8,000 |  |  | — |  |  | 59,000 |
Home equity line of credit | 156,000 |  |  | 176,000 |  |  | 350,000 |  |  | — |  |  | 682,000 |
Consumer | 10,000 |  |  | 319,000 |  |  | 239,000 |  |  | — |  |  | 568,000 |
Unallocated | — |  |  | — |  |  | — |  |  | 1,699,000 |  |  | 1,699,000 |
| $ | 2,348,000 |  |  | $ | 4,532,000 |  |  | $ | 4,375,000 |  |  | $ | 1,699,000 |  |  | $ | 12,954,000 |
Summary of Risk Ratings for Loans | The following table summarizes the risk ratings for the Company's commercial real estate, commercial construction, commercial other, and municipal loans as of March 31, 2013:
| Commercial Real Estate |  | Commercial Construction |  | Commercial Other |  | Municipal Loans |  | All Risk- Rated Loans
1 Strong | $ | 19,000 |  |  | $ | — |  |  | $ | 259,000 |  |  | $ | 1,641,000 |  |  | $ | 1,919,000 |
2 Above Average | 12,288,000 |  |  | 271,000 |  |  | 6,262,000 |  |  | 7,589,000 |  |  | 26,410,000 |
3 Satisfactory | 36,187,000 |  |  | 2,410,000 |  |  | 16,846,000 |  |  | 3,419,000 |  |  | 58,862,000 |
4 Average | 103,957,000 |  |  | 9,505,000 |  |  | 32,430,000 |  |  | 2,368,000 |  |  | 148,260,000 |
5 Watch | 37,703,000 |  |  | 22,000 |  |  | 15,679,000 |  |  | — |  |  | 53,404,000 |
6 OAEM | 25,057,000 |  |  | 3,001,000 |  |  | 4,768,000 |  |  | — |  |  | 32,826,000 |
7 Substandard | 34,530,000 |  |  | 1,881,000 |  |  | 13,628,000 |  |  | — |  |  | 50,039,000 |
8 Doubtful | 439,000 |  |  | — |  |  | 2,000 |  |  | — |  |  | 441,000 |
Total | $ | 250,180,000 |  |  | $ | 17,090,000 |  |  | $ | 89,874,000 |  |  | $ | 15,017,000 |  |  | $ | 372,161,000 |
The following table summarizes the risk ratings for the Company's commercial real estate, commercial construction, commercial other, and municipal loans as of December 31, 2012:
| Commercial Real Estate |  | Commercial Construction |  | Commercial Other |  | Municipal Loans |  | All Risk- Rated Loans
1 Strong | $ | 19,000 |  |  | $ | — |  |  | $ | 271,000 |  |  | $ | 1,731,000 |  |  | $ | 2,021,000 |
2 Above Average | 13,871,000 |  |  | 1,274,000 |  |  | 4,084,000 |  |  | 7,061,000 |  |  | 26,290,000 |
3 Satisfactory | 34,454,000 |  |  | 2,312,000 |  |  | 14,578,000 |  |  | 3,487,000 |  |  | 54,831,000 |
4 Average | 99,712,000 |  |  | 12,322,000 |  |  | 28,618,000 |  |  | 2,425,000 |  |  | 143,077,000 |
5 Watch | 43,369,000 |  |  | 1,721,000 |  |  | 19,524,000 |  |  | — |  |  | 64,614,000 |
6 OAEM | 26,302,000 |  |  | 79,000 |  |  | 5,300,000 |  |  | — |  |  | 31,681,000 |
7 Substandard | 33,153,000 |  |  | 4,709,000 |  |  | 8,806,000 |  |  | — |  |  | 46,668,000 |
8 Doubtful | 455,000 |  |  | — |  |  | 2,000 |  |  | — |  |  | 457,000 |
Total | $ | 251,335,000 |  |  | $ | 22,417,000 |  |  | $ | 81,183,000 |  |  | $ | 14,704,000 |  |  | $ | 369,639,000 |
The following table summarizes the risk ratings for the Company's commercial real estate, commercial construction, commercial other, and municipal loans as of March 31, 2012:
| Commercial Real Estate |  | Commercial Construction |  | Commercial Other |  | Municipal Loans |  | All Risk- Rated Loans
1 Strong | $ | 23,000 |  |  | $ | — |  |  | $ | 486,000 |  |  | $ | 1,911,000 |  |  | $ | 2,420,000 |
2 Above Average | 19,788,000 |  |  | — |  |  | 4,418,000 |  |  | 7,602,000 |  |  | 31,808,000 |
3 Satisfactory | 32,903,000 |  |  | 1,396,000 |  |  | 12,183,000 |  |  | 3,819,000 |  |  | 50,301,000 |
4 Average | 105,446,000 |  |  | 19,130,000 |  |  | 31,412,000 |  |  | 2,629,000 |  |  | 158,617,000 |
5 Watch | 42,680,000 |  |  | 3,530,000 |  |  | 19,473,000 |  |  | — |  |  | 65,683,000 |
6 OAEM | 18,302,000 |  |  | 538,000 |  |  | 4,644,000 |  |  | — |  |  | 23,484,000 |
7 Substandard | 34,887,000 |  |  | 6,234,000 |  |  | 12,158,000 |  |  | — |  |  | 53,279,000 |
8 Doubtful | 679,000 |  |  | — |  |  | 693,000 |  |  | — |  |  | 1,372,000 |
Total | $ | 254,708,000 |  |  | $ | 30,828,000 |  |  | $ | 85,467,000 |  |  | $ | 15,961,000 |  |  | $ | 386,964,000 |
Allowance for Loan Losses Transactions | The following table presents allowance for loan losses activity by class for the three-months ended March 31, 2013, and allowance for loan loss balances by class and related loan balances by class as of March 31, 2013:
| Commercial | Municipal | Residential |  | Home Equity Line of Credit | Consumer | Unallocated | Total
| Real Estate |  | Construction |  | Other |  | Term |  | Construction |  |  |  |  |
For the three months ended March 31, 2013
Beginning balance | $ | 5,865,000 |  |  | $ | 1,359,000 |  |  | $ | 2,050,000 |  | $ | 18,000 |  | $ | 1,109,000 |  |  | $ | 11,000 |  |  | $ | 654,000 |  | $ | 592,000 |  | $ | 842,000 |  | $ | 12,500,000 |
Charge offs | 54,000 |  |  | 403,000 |  |  | 288,000 |  | — |  | 200,000 |  |  | — |  |  | 362,000 |  | 127,000 |  | — |  | 1,434,000 |
Recoveries | — |  |  | — |  |  | 103,000 |  | — |  | 2,000 |  |  | — |  |  | 1,000 |  | 48,000 |  | — |  | 154,000 |
Provision | 68,000 |  |  | 108,000 |  |  | 250,000 |  | — |  | 202,000 |  |  | (2,000 | ) |  | 566,000 |  | 61,000 |  | 247,000 |  | 1,500,000 |
Ending balance | $ | 5,879,000 |  |  | $ | 1,064,000 |  |  | $ | 2,115,000 |  | $ | 18,000 |  | $ | 1,113,000 |  |  | $ | 9,000 |  |  | $ | 859,000 |  | $ | 574,000 |  | $ | 1,089,000 |  | $ | 12,720,000 |
Allowance for loan losses as of March 31, 2013
Ending balance specifically evaluated for impairment | $ | 1,473,000 |  |  | $ | 760,000 |  |  | $ | 535,000 |  | $ | — |  | $ | 337,000 |  |  | $ | — |  |  | $ | — |  | $ | — |  | $ | — |  | $ | 3,105,000 |
Ending balance collectively evaluated for impairment | $ | 4,406,000 |  |  | $ | 304,000 |  |  | $ | 1,580,000 |  | $ | 18,000 |  | $ | 776,000 |  |  | $ | 9,000 |  |  | $ | 859,000 |  | $ | 574,000 |  | $ | 1,089,000 |  | $ | 9,615,000 |
Related loan balances as of March 31, 2013
Ending balance | $ | 250,180,000 |  |  | $ | 17,090,000 |  |  | $ | 89,874,000 |  | $ | 15,017,000 |  | $ | 376,029,000 |  |  | $ | 4,222,000 |  |  | $ | 96,536,000 |  | $ | 14,529,000 |  | $ | — |  | $ | 863,477,000 |
Ending balance specifically evaluated for impairment | $ | 17,534,000 |  |  | $ | 2,347,000 |  |  | $ | 5,550,000 |  | $ | — |  | $ | 20,262,000 |  |  | $ | — |  |  | $ | 1,683,000 |  | $ | — |  | $ | — |  | $ | 47,376,000 |
Ending balance collectively evaluated for impairment | $ | 232,646,000 |  |  | $ | 14,743,000 |  |  | $ | 84,324,000 |  | $ | 15,017,000 |  | $ | 355,767,000 |  |  | $ | 4,222,000 |  |  | $ | 94,853,000 |  | $ | 14,529,000 |  | $ | — |  | $ | 816,101,000 |
The following table presents allowance for loan losses activity by class for the year-ended December 31, 2012 and allowance for loan loss balances by class and related loan balances by class as of December 31, 2012:
| Commercial | Municipal | Residential |  | Home Equity Line of Credit | Consumer | Unallocated | Total
| Real Estate |  | Construction |  | Other |  | Term |  | Construction |  |  |  |  |
For the year ended December 31, 2012
Beginning balance | $ | 5,659,000 |  |  | $ | 658,000 |  |  | $ | 2,063,000 |  | $ | 19,000 |  | $ | 1,159,000 |  |  | $ | 255,000 |  |  | $ | 595,000 |  | $ | 584,000 |  | $ | 2,008,000 |  | $ | 13,000,000 |
Charge offs | 1,394,000 |  |  | 928,000 |  |  | 3,215,000 |  | — |  | 1,911,000 |  |  | 389,000 |  |  | 688,000 |  | 555,000 |  | — |  | 9,080,000 |
Recoveries | 13,000 |  |  | 246,000 |  |  | 113,000 |  | — |  | 110,000 |  |  | 54,000 |  |  | 1,000 |  | 208,000 |  | — |  | 745,000 |
Provision | 1,587,000 |  |  | 1,383,000 |  |  | 3,089,000 |  | (1,000 | ) | 1,751,000 |  |  | 91,000 |  |  | 746,000 |  | 355,000 |  | (1,166,000 | ) | 7,835,000 |
Ending balance | $ | 5,865,000 |  |  | $ | 1,359,000 |  |  | $ | 2,050,000 |  | $ | 18,000 |  | $ | 1,109,000 |  |  | $ | 11,000 |  |  | $ | 654,000 |  | $ | 592,000 |  | $ | 842,000 |  | $ | 12,500,000 |
Allowance for loan losses as of December 31, 2012
Ending balance specifically evaluated for impairment | $ | 1,523,000 |  |  | $ | 969,000 |  |  | $ | 652,000 |  | $ | — |  | $ | 395,000 |  |  | $ | — |  |  | $ | — |  | $ | — |  | $ | — |  | $ | 3,539,000 |
Ending balance collectively evaluated for impairment | $ | 4,342,000 |  |  | $ | 390,000 |  |  | $ | 1,398,000 |  | $ | 18,000 |  | $ | 714,000 |  |  | $ | 11,000 |  |  | $ | 654,000 |  | $ | 592,000 |  | $ | 842,000 |  | $ | 8,961,000 |
Related loan balances as of December 31, 2012
Ending balance | $ | 251,335,000 |  |  | $ | 22,417,000 |  |  | $ | 81,183,000 |  | $ | 14,704,000 |  | $ | 379,447,000 |  |  | $ | 6,459,000 |  |  | $ | 99,082,000 |  | $ | 14,657,000 |  | $ | — |  | $ | 869,284,000 |
Ending balance specifically evaluated for impairment | $ | 15,774,000 |  |  | $ | 3,354,000 |  |  | $ | 5,861,000 |  | $ | — |  | $ | 19,444,000 |  |  | $ | — |  |  | $ | 1,311,000 |  | $ | — |  | $ | — |  | $ | 45,744,000 |
Ending balance collectively evaluated for impairment | $ | 235,561,000 |  |  | $ | 19,063,000 |  |  | $ | 75,322,000 |  | $ | 14,704,000 |  | $ | 360,003,000 |  |  | $ | 6,459,000 |  |  | $ | 97,771,000 |  | $ | 14,657,000 |  | $ | — |  | $ | 823,540,000 |
The following table presents allowance for loan losses activity by class for the three-months ended March 31, 2012 , and allowance for loan loss balances by class and related loan balances by class as of March 31, 2012:
| Commercial | Municipal | Residential |  | Home Equity Line of Credit | Consumer | Unallocated | Total
| Real Estate |  | Construction |  | Other |  | Term |  | Construction |  |  |  |  |
For the three months ended March 31, 2012
Beginning balance | $ | 5,659,000 |  |  | $ | 658,000 |  |  | $ | 2,063,000 |  | $ | 19,000 |  | $ | 1,159,000 |  |  | $ | 255,000 |  |  | $ | 595,000 |  | $ | 584,000 |  | $ | 2,008,000 |  | $ | 13,000,000 |
Charge offs | — |  |  | — |  |  | 2,002,000 |  | — |  | 239,000 |  |  | — |  |  | 49,000 |  | 180,000 |  | — |  | 2,470,000 |
Recoveries | — |  |  | 246,000 |  |  | 2,000 |  | — |  | 1,000 |  |  | — |  |  | — |  | 75,000 |  | — |  | 324,000 |
Provision | 203,000 |  |  | (200,000 | ) |  | 2,062,000 |  | — |  | 315,000 |  |  | (196,000 | ) |  | 136,000 |  | 89,000 |  | (309,000 | ) | 2,100,000 |
Ending balance | $ | 5,862,000 |  |  | $ | 704,000 |  |  | $ | 2,125,000 |  | $ | 19,000 |  | $ | 1,236,000 |  |  | $ | 59,000 |  |  | $ | 682,000 |  | $ | 568,000 |  | $ | 1,699,000 |  | $ | 12,954,000 |
Allowance for loan losses as of March 31, 2012
Ending balance specifically evaluated for impairment | $ | 944,000 |  |  | $ | 117,000 |  |  | $ | 480,000 |  | $ | — |  | $ | 592,000 |  |  | $ | 49,000 |  |  | $ | 156,000 |  | $ | 10,000 |  | $ | — |  | $ | 2,348,000 |
Ending balance collectively evaluated for impairment | $ | 4,918,000 |  |  | $ | 587,000 |  |  | $ | 1,645,000 |  | $ | 19,000 |  | $ | 644,000 |  |  | $ | 10,000 |  |  | $ | 526,000 |  | $ | 558,000 |  | $ | 1,699,000 |  | $ | 10,606,000 |
Related loan balances as of March 31, 2012
Ending balance | $ | 254,708,000 |  |  | $ | 30,828,000 |  |  | $ | 85,467,000 |  | $ | 15,961,000 |  | $ | 358,394,000 |  |  | $ | 6,451,000 |  |  | $ | 103,372,000 |  | $ | 15,711,000 |  | $ | — |  | $ | 870,892,000 |
Ending balance specifically evaluated for impairment | $ | 14,295,000 |  |  | $ | 2,093,000 |  |  | $ | 3,886,000 |  | $ | — |  | $ | 18,054,000 |  |  | $ | 1,454,000 |  |  | $ | 1,336,000 |  | $ | 15,000 |  | $ | — |  | $ | 41,133,000 |
Ending balance collectively evaluated for impairment | $ | 240,413,000 |  |  | $ | 28,735,000 |  |  | $ | 81,581,000 |  | $ | 15,961,000 |  | $ | 340,340,000 |  |  | $ | 4,997,000 |  |  | $ | 102,036,000 |  | $ | 15,696,000 |  | $ | — |  | $ | 829,759,000 |
Troubled debt restructurings by class and specific reserve | The following table shows TDRs by class and the specific reserve as of March 31, 2013:
| Number of Loans |  | Balance |  | Specific Reserves
Commercial |  |  |  |  |
Real estate | 20 |  |  | $ | 13,715,000 |  |  | $ | 313,000 |
Construction | 3 |  |  | 2,317,000 |  |  | 1,194,000 |
Other | 24 |  |  | 3,063,000 |  |  | 40,000 |
Municipal | — |  |  | — |  |  | — |
Residential |  |  |  |  |
Term | 54 |  |  | 11,195,000 |  |  | 1,034,000 |
Construction | — |  |  | — |  |  | — |
Home equity line of credit | 5 |  |  | 857,000 |  |  | 9,000 |
Consumer | — |  |  | — |  |  | — |
| 106 |  |  | $ | 31,147,000 |  |  | $ | 2,590,000 |
The following table shows TDRs by class and the specific reserve as of December 31, 2012:
| Number of Loans |  | Balance |  | Specific Reserves
Commercial |  |  |  |  |
Real estate | 18 |  |  | $ | 11,961,000 |  |  | $ | 823,000 |
Construction | 3 |  |  | 3,319,000 |  |  | 969,000 |
Other | 23 |  |  | 3,074,000 |  |  | 574,000 |
Municipal | — |  |  | — |  |  | — |
Residential |  |  |  |  |
Term | 53 |  |  | 10,945,000 |  |  | 224,000 |
Construction | — |  |  | — |  |  | — |
Home equity line of credit | 4 |  |  | 656,000 |  |  | — |
Consumer | — |  |  | — |  |  | — |
| 101 |  |  | $ | 29,955,000 |  |  | $ | 2,590,000 |
The following table shows TDRs by class and the specific reserve as of March 31, 2012:
| Number of Loans |  | Balance |  | Specific Reserves
Commercial |  |  |  |  |
Real estate | 12 |  |  | $ | 7,610,000 |  |  | $ | 271,000 |
Construction | 1 |  |  | 1,148,000 |  |  | — |
Other | 12 |  |  | 1,919,000 |  |  | 85,000 |
Municipal | — |  |  | — |  |  | — |
Residential |  |  |  |  |
Term | 46 |  |  | 9,970,000 |  |  | 250,000 |
Construction | — |  |  | — |  |  | — |
Home equity line of credit | — |  |  | — |  |  | — |
Consumer | — |  |  | — |  |  | — |
| 71 |  |  | $ | 20,647,000 |  |  | $ | 606,000 |
Loans placed on troubled debt restructurings by class and specific reserve | The following table shows these TDRs by class and the associated specific reserves included in the allowance for loan losses as of March 31, 2013:
| Number of Loans |  | Balance |  | Specific Reserves
Commercial |  |  |  |  |
Real estate | 2 |  |  | $ | 409,000 |  |  | $ | — |
Construction | — |  |  | — |  |  | — |
Other | — |  |  | — |  |  | — |
Municipal | — |  |  | — |  |  | — |
Residential |  |  |  |  |
Term | 9 |  |  | 2,094,000 |  |  | 421,000 |
Construction | — |  |  | — |  |  | — |
Home equity line of credit | — |  |  | — |  |  | — |
Consumer | — |  |  | — |  |  | — |
| 11 |  |  | $ | 2,503,000 |  |  | $ | 421,000 |
As of March 31, 2012, 11 of the loans classified as TDRs with a total balance of $2,258,000 were more than 30 days past due. Of these loans, 7 loans with an outstanding balance of $1,733,000 had been placed on TDR status in the previous 12 months. The following table shows these TDRs by class and the associated specific reserves included in the allowance for loan losses as of March 31, 2012:
| Number of Loans |  | Balance |  | Specific Reserves
Commercial |  |  |  |  |
Real estate | — |  |  | $ | — |  |  | $ | — |
Construction | — |  |  | — |  |  | — |
Other | 4 |  |  | 667,000 |  |  | 44,000 |
Municipal | — |  |  | — |  |  | — |
Residential |  |  |  |  |
Term | 7 |  |  | 1,591,000 |  |  | 29,000 |
Construction | — |  |  | — |  |  | — |
Home equity line of credit | — |  |  | — |  |  | — |
Consumer | — |  |  | — |  |  | — |
| 11 |  |  | $ | 2,258,000 |  |  | $ | 73,000 |
For the three months ended March 31, 2013, 7 loans were placed on TDR status with an outstanding balance of $2,948,000, this compares to 14 loans placed on TDR status with an outstanding balance of $3,007,000 for the three months ended March 31, 2012. These were considered TDRs because concessions had been granted to borrowers experiencing financial difficulties. Concessions include reductions in interest rates, principal and/or interest forbearance, payment extensions, or combinations thereof. The following table shows loans placed on TDR status in the three months ended March 31, 2013 and 2012, by class of loan and the associated specific reserve included in the allowance for loan losses as of March 31, 2013 and 2012:
Three months ended March 31, 2013 | Number of Loans |  | Pre-Modification Outstanding Recorded Investment |  | Post-Modification Outstanding Recorded Investment |  | Specific Reserves
Commercial |  |  |  |  |  |  |
Real estate | 2 |  |  | $ | 1,897,000 |  |  | $ | 1,897,000 |  |  | $ | — |
Construction | — |  |  | — |  |  | — |  |  | — |
Other | 3 |  |  | 536,000 |  |  | 546,000 |  |  | 40,000 |
Municipal | — |  |  | — |  |  | — |  |  | — |
Residential |  |  |  |  |  |  |
Term | 1 |  |  | 312,000 |  |  | 312,000 |  |  | — |
Construction | — |  |  | — |  |  | — |  |  | — |
Home equity line of credit | 1 |  |  | 203,000 |  |  | 204,000 |  |  | — |
Consumer | — |  |  | — |  |  | — |  |  | — |
| 7 |  |  | $ | 2,948,000 |  |  | $ | 2,959,000 |  |  | $ | 40,000 |
Three months ended March 31, 2012 | Number of Loans |  | Pre-Modification Outstanding Recorded Investment |  | Post-Modification Outstanding Recorded Investment |  | Specific Reserves
Commercial |  |  |  |  |  |  |
Real estate | 7 |  |  | $ | 2,438,000 |  |  | $ | 2,404,000 |  |  | $ | — |
Construction | — |  |  | — |  |  | — |  |  | — |
Other | 3 |  |  | 12,000 |  |  | 12,000 |  |  | — |
Municipal | — |  |  | — |  |  | — |  |  | — |
Residential |  |  |  |  |  |  |
Term | 4 |  |  | 557,000 |  |  | 557,000 |  |  | 16,000 |
Construction | — |  |  | — |  |  | — |  |  | — |
Home equity line of credit | — |  |  | — |  |  | — |  |  | — |
Consumer | — |  |  | — |  |  | — |  |  | — |
| 14 |  |  | $ | 3,007,000 |  |  | $ | 2,973,000 |  |  | $ | 16,000 |

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