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Allowance For Loan Losses | 12 Months Ended
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Dec. 31, 2012
Allowance For Loan Losses [Abstract] |
Allowance For Loan Losses | NOTE 4. Allowance for Loan Losses Changes in the allowance for loan losses for the years ended December 31, 2012, 2011 and 2010 were as follows:
|  |  |  |  | December 31, |  |  |  |
|  | 2012 |  |  | 2011 |  |  | 2010 |
|  |  |  |  | (in thousands) |  |  |  |
Balance, beginning | $ | 8,743 |  | $ | 7,111 |  | $ | 5,970 |
Provision charged to operating expense |  | 1,660 |  |  | 3,750 |  |  | 6,325 |
Recoveries added to the allowance |  | 337 |  |  | 848 |  |  | 291 |
Loan losses charged to the allowance |  | (4,163 | ) |  | (2,966 | ) |  | (5,475 | )
Balance, ending | $ | 6,577 |  | $ | 8,743 |  | $ | 7,111 |
Nonaccrual and past due loans by class at December 31, 2012 and 2011 were as follows:
|  |  |  |  |  |  |  | As of December 31, 2012 |  |  |  |
|  |  |  |  |  |  |  | (in thousands) |  |  |  |
|  | 30 - 59 |  | 60 - 89 |  | 90 or More |  |  |  |  |  |  |  | 90 or More |  |
|  | Days |  | Days |  | Days |  | Total Past |  |  |  |  |  | Days Past Due |  | Nonaccrual
|  | Past Due |  | Past Due |  | Past Due |  | Due |  | Current |  | Total Loans |  | Still Accruing |  | Loans
Commercial - Non Real Estate: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial & Industrial | $ | 822 | $ | 225 | $ | - | $ | 1,047 | $ | 20,593 | $ | 21,640 | $ | - | $ | 230
Commercial Real Estate: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Owner Occupied |  | 610 |  | 374 |  | 90 |  | 1,074 |  | 84,090 |  | 85,164 |  | - |  | 90
Non-owner occupied |  | 234 |  | 582 |  | - |  | 816 |  | 38,402 |  | 39,218 |  | - |  | 209
Construction and Farmland: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Residential |  | - |  | - |  | - |  | - |  | 9,706 |  | 9,706 |  | - |  | -
Commercial |  | 93 |  | 44 |  | - |  | 137 |  | 28,033 |  | 28,170 |  | - |  | 131
Consumer: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Installment |  | 116 |  | 10 |  | 9 |  | 135 |  | 13,172 |  | 13,307 |  | 9 |  | -
Residential: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Equity Lines |  | 109 |  | - |  | - |  | 109 |  | 31,593 |  | 31,702 |  | - |  | 287
Single family |  | 4,059 |  | 733 |  | 524 |  | 5,316 |  | 177,601 |  | 182,917 |  | 199 |  | 1,467
Multifamily |  | - |  | - |  | - |  | - |  | 2,808 |  | 2,808 |  | - |  | -
All Other Loans |  | - |  | - |  | - |  | - |  | 3,465 |  | 3,465 |  | - |  | -
Total | $ | 6,043 | $ | 1,968 | $ | 623 | $ | 8,634 | $ | 409,463 | $ | 418,097 | $ | 208 | $ | 2,414
|  |  |  |  |  |  |  | As of December 31, 2011 |  |  |  |
|  |  |  |  |  |  |  | (in thousands) |  |  |  |
|  | 30 - 59 |  | 60 - 89 |  | 90 or More |  |  |  |  |  |  |  | 90 or More |  |
|  | Days |  | Days |  | Days |  | Total Past |  |  |  |  |  | Days Past Due |  | Nonaccrual
|  | Past Due |  | Past Due |  | Past Due |  | Due |  | Current |  | Total Loans |  | Still Accruing |  | Loans
Commercial - Non Real Estate: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial & Industrial | $ | 114 | $ | 421 | $ | - | $ | 535 | $ | 22,331 | $ | 22,866 | $ | - | $ | -
Commercial Real Estate: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Owner Occupied |  | 174 |  | 9 |  | 447 |  | 630 |  | 82,476 |  | 83,106 |  | - |  | 600
Non-owner occupied |  | 873 |  | 1,102 |  | - |  | 1,975 |  | 32,962 |  | 34,937 |  | - |  | 234
Construction and Farmland: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Residential |  | - |  | - |  | - |  | - |  | 10,594 |  | 10,594 |  | - |  | 151
Commercial |  | - |  | - |  | - |  | - |  | 24,375 |  | 24,375 |  | - |  | -
Consumer: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Installment |  | 114 |  | 13 |  | 5 |  | 132 |  | 13,053 |  | 13,185 |  | 5 |  | -
Residential: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Equity Lines |  | 217 |  | 30 |  | - |  | 247 |  | 33,182 |  | 33,429 |  | - |  | 177
Single family |  | 2,187 |  | 194 |  | 717 |  | 3,098 |  | 176,111 |  | 179,209 |  | 89 |  | 1,287
Multifamily |  | - |  | - |  | - |  | - |  | 4,517 |  | 4,517 |  | - |  | -
All Other Loans |  | - |  | - |  | - |  | - |  | 4,206 |  | 4,206 |  | - |  | -
Total | $ | 3,679 | $ | 1,769 | $ | 1,169 | $ | 6,617 | $ | 403,807 | $ | 410,424 | $ | 94 | $ | 2,449
Allowance for loan losses by segment for the years ended December 31, 2012 and 2011 were as follows:
|  |  |  |  | A s o f a nd fo r the Ye a r Ende d D e c e m be r 3 1, 2 0 12 |  |  |  |  |
|  |  |  |  | (in tho us a nds ) |  |  |  |  |
| Co ns tructio n |  |  | Res idential |  |  | Co mmercial |  |  |  |  |  |  |  | All Other |  |  |  |  |  |  |
| a nd Farmlan d |  |  | Real Es tate |  |  | Real Es tate |  |  | Co mmercia l |  |  | Co ns umer |  | Lo ans |  | Unallo cated |  |  | To tal |
A llo wa nc e fo r c re dit lo s s e s : |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Beginning Balance | $ | 2,618 |  | $ | 3,544 |  | $ | 1,057 |  | $ | 1,077 |  | $ | 131 |  | $ | 123 |  | $ | 193 |  | $ | 8,743 |
Charge-Offs |  | (1,313 | ) |  | (1,381 | ) |  | (1,118 | ) |  | (207 | ) |  | (116 | ) |  | (28 | ) |  | - |  |  | (4,163 | )
Reco veries |  | 4 |  |  | 67 |  |  | 146 |  |  | 36 |  |  | 73 |  |  | 11 |  |  | - |  |  | 337 |
P ro vis io n |  | (29 | ) |  | 590 |  |  | 1,097 |  |  | (26 | ) |  | 19 |  |  | 16 |  |  | (7 | ) |  | 1,660 |
Ending balance | $ | 1,280 |  | $ | 2,820 |  | $ | 1,182 |  | $ | 880 |  | $ | 107 |  | $ | 122 |  | $ | 186 |  | $ | 6,577 |
Ending balance: Individually |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
evaluated fo r impairment | $ | 141 |  | $ | 1,176 |  | $ | 305 |  | $ | 737 |  | $ | - |  | $ | - |  | $ | - |  | $ | 2,359 |
Ending balance: co llectively |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
evaluated fo r impairment | $ | 1,139 |  | $ | 1,644 |  | $ | 877 |  | $ | 143 |  | $ | 107 |  | $ | 122 |  | $ | 186 |  | $ | 4,218 |
F ina nc ing re c e iv a ble s : |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Ending balance | $ | 37,876 |  | $ | 217,427 |  | $ | 124,382 |  | $ | 21,640 |  | $ | 13,307 |  | $ | 3,465 |  | $ | - |  | $ | 418,097 |
Ending balance individually |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
evaluated fo r impairment | $ | 1,326 |  | $ | 7,695 |  | $ | 5,246 |  | $ | 985 |  | $ | - |  | $ | - |  | $ | - |  | $ | 15,252 |
Ending balance co llectively evaluated |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
fo r impairment | $ | 36,550 |  | $ | 209,732 |  | $ | 119,136 |  | $ | 20,655 |  | $ | 13,307 |  | $ | 3,465 |  | $ | - |  | $ | 402,845 |
|  |  |  |  |  | A s o f a nd fo r the Ye a r Ende d D e c e m be r 3 1, 2 0 11 |  |  |  |
|  |  |  |  |  | (in tho us a nds ) |  |  |  |
|  | Co ns tructio n |  |  | Res idential |  |  | Co mmercial |  |  |  |  |  |  |  |  | All Other |  |  |  |  |  |
|  | a nd Farmlan d |  |  | Real Es tate |  |  | Real Es tate |  |  |  | Co mmercia l |  |  | Co ns umer |  | Lo ans |  | Unallo cated |  | To tal |
A llo wa nc e fo r c re dit lo s s e s : |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Beginning Balance |  | $ | 1,386 |  | $ | 3,457 |  | $ | 1,231 |  |  | $ | 819 |  | $ | 182 |  | $ | 36 |  | $ | - | $ | 7,111 |
Charge-Offs |  |  | (721 | ) |  | (1,203 | ) |  | (14 | ) |  |  | (572 | ) |  | (331 | ) |  | (125 | ) |  | - |  | (2,966 | )
Reco veries |  |  | 5 |  |  | 298 |  |  | 2 |  |  |  | 292 |  |  | 195 |  |  | 56 |  |  | - |  | 848 |
P ro vis io n |  |  | 1,948 |  |  | 992 |  |  | (162 | ) |  |  | 538 |  |  | 85 |  |  | 156 |  |  | 193 |  | 3,750 |
Ending balance |  | $ | 2,618 |  | $ | 3,544 |  | $ | 1,057 |  |  | $ | 1,077 |  | $ | 131 |  | $ | 123 |  | $ | 193 | $ | 8,743 |
Ending balance: Individually |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
evaluated fo r impairment |  | $ | 1,468 |  | $ | 2,071 |  | $ | 150 |  |  | $ | 544 |  | $ | - |  | $ | - |  | $ | - | $ | 4,233 |
Ending balance: co llectively |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
evaluated fo r impairment |  | $ | 1,150 |  | $ | 1,473 |  | $ | 907 |  |  | $ | 533 |  | $ | 131 |  | $ | 123 |  | $ | 193 | $ | 4,510 |
F ina nc ing re c e iv a ble s : |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Ending balance | $ | 34,969 |  | $ | 217,155 |  | $ | 118,043 |  | $ | 22,866 |  | $ | 13,185 |  | $ | 4,206 |  | $ | - | $ | 410,424 |
Ending balance individually |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
evaluated fo r impairment |  | $ | 3,357 |  | $ | 9,748 |  | $ | 6,186 |  |  | $ | 599 |  | $ | - |  | $ | - |  | $ | - | $ | 19,890 |
Ending balance co llectively evaluated |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
fo r impairment |  | $ | 31,612 |  | $ | 207,407 |  | $ | 111,857 |  | $ | 22,267 |  | $ | 13,185 |  | $ | 4,206 |  | $ | - | $ | 390,534 |
Impaired loans by class at December 31, 2012, 2011 and 2010 were as follows:
|  |  |  | As of December 31, 2012 |  |
|  |  |  | (in thousands) |  |
|  | Unpaid |  |  |  |  |  | Average |  | Interest
|  | Principal |  | Recorded | Related |  | Recorded |  | Income
|  | Balance |  | Investment | Allowance |  | Investment |  | Recognized
With no related allowance: |  |  |  |  |  |  |  |  |  |
Commercial - Non Real Estate: |  |  |  |  |  |  |  |  |  |
Commercial & Industrial | $ | - | $ | - | $ | - | $ | - | $ | -
Commercial Real Estate: |  |  |  |  |  |  |  |  |  |
Owner Occupied |  | 1,632 |  | 1,636 |  | - |  | 2,323 |  | 130
Non-owner occupied |  | 2,290 |  | 2,296 |  | - |  | 2,378 |  | 147
Construction and Farmland: |  |  |  |  |  |  |  |  |  |
Residential |  | - |  | - |  | - |  | - |  | -
Commercial |  | 1,102 |  | 1,103 |  | - |  | 1,159 |  | 18
Residential: |  |  |  |  |  |  |  |  |  |
Equity lines |  | 287 |  | 287 |  | - |  | 469 |  | 1
Single family |  | 4,406 |  | 4,417 |  | - |  | 5,683 |  | 210
Multifamily |  | - |  | - |  | - |  | - |  | -
Other Loans |  | - |  | - |  | - |  | - |  | -
| $ | 9,717 | $ | 9,739 | $ | - | $ | 12,012 | $ | 506
With an allowance recorded: |  |  |  |  |  |  |  |  |  |
Commercial - Non Real Estate: |  |  |  |  |  |  |  |  |  |
Commercial & Industrial | $ | 985 | $ | 994 | $ | 737 | $ | 1,062 | $ | 53
Commercial Real Estate: |  |  |  |  |  |  |  |  |  |
Owner Occupied |  | - |  | - |  | - |  | - |  | -
Non-owner occupied |  | 1,324 |  | 1,327 |  | 305 |  | 1,337 |  | 38
Construction and Farmland: |  |  |  |  |  |  |  |  |  |
Residential |  | - |  | - |  | - |  | - |  | -
Commercial |  | 224 |  | 225 |  | 141 |  | 227 |  | 9
Residential: |  |  |  |  |  |  |  |  |  |
Equity lines |  | 358 |  | 359 |  | 252 |  | 366 |  | 12
Single family |  | 2,644 |  | 2,652 |  | 924 |  | 2,674 |  | 125
Multifamily |  | - |  | - |  | - |  | - |  | -
Other Loans |  | - |  | - |  | - |  | - |  | -
| $ | 5,535 | $ | 5,557 | $ | 2,359 | $ | 5,666 | $ | 237
Total: |  |  |  |  |  |  |  |  |  |
Commercial | $ | 985 | $ | 994 | $ | 737 | $ | 1,062 | $ | 53
Commercial Real Estate |  | 5,246 |  | 5,259 |  | 305 |  | 6,038 |  | 315
Construction and Farmland |  | 1,326 |  | 1,328 |  | 141 |  | 1,386 |  | 27
Residential |  | 7,695 |  | 7,715 |  | 1,176 |  | 9,192 |  | 348
Other |  | - |  | - |  | - |  | - |  | -
Total | $ | 15,252 | $ | 15,296 | $ | 2,359 | $ | 17,678 | $ | 743
|  |  |  | As of December 31, 2011 |  |
|  |  |  |  | (in thousands) |  |  |  |
|  | Unpaid |  |  |  |  |  | Average |  | Interest
|  | Principal |  | Recorded | Related |  | Recorded |  | Income
|  | Balance |  | Investment | Allowance |  | Investment |  | Recognized
With no related allowance: |  |  |  |  |  |  |  |  |  |
Commercial - Non Real Estate: |  |  |  |  |  |  |  |  |  |
Commercial & Industrial | $ | 5 | $ | 5 | $ | - | $ | 2 | $ | -
Commercial Real Estate: |  |  |  |  |  |  |  |  |  |
Owner Occupied |  | 2,521 |  | 2,529 |  | - |  | 2,575 |  | 132
Non-owner occupied |  | 2,552 |  | 2,567 |  | - |  | 2,623 |  | 110
Construction and Farmland: |  |  |  |  |  |  |  |  |  |
Residential |  | - |  | - |  | - |  | - |  | -
Commercial |  | 361 |  | 361 |  | - |  | 466 |  | 21
Residential: |  |  |  |  |  |  |  |  |  |
Equity lines |  | 177 |  | 177 |  | - |  | 190 |  | -
Single family |  | 3,237 |  | 3,242 |  | - |  | 3,840 |  | 97
Multifamily |  | - |  | - |  | - |  | - |  | -
Other Loans |  | - |  | - |  | - |  | - |  | -
| $ | 8,853 | $ | 8,881 | $ | - | $ | 9,696 | $ | 360
With an allowance recorded: |  |  |  |  |  |  |  |  |  |
Commercial - Non Real Estate: |  |  |  |  |  |  |  |  |  |
Commercial & Industrial | $ | 594 | $ | 600 | $ | 544 | $ | 602 | $ | 26
Commercial Real Estate: |  |  |  |  |  |  |  |  |  |
Owner Occupied |  | - |  | - |  | - |  | - |  | -
Non-owner occupied |  | 1,112 |  | 1,124 |  | 150 |  | 1,128 |  | 64
Construction and Farmland: |  |  |  |  |  |  |  |  |  |
Residential |  | - |  | - |  | - |  | - |  | -
Commercial |  | 2,997 |  | 3,006 |  | 1,468 |  | 3,012 |  | 147
Residential: |  |  |  |  |  |  |  |  |  |
Equity lines |  | 402 |  | 404 |  | 325 |  | 404 |  | 13
Single family |  | 5,932 |  | 5,940 |  | 1,746 |  | 6,029 |  | 236
Multifamily |  | - |  | - |  | - |  | - |  | -
Other Loans |  | - |  | - |  | - |  | - |  | -
| $ | 11,037 | $ | 11,074 | $ | 4,233 | $ | 11,175 | $ | 486
Total: |  |  |  |  |  |  |  |  |  |
Commercial | $ | 599 | $ | 605 | $ | 544 | $ | 604 | $ | 26
Commercial Real Estate |  | 6,185 |  | 6,220 |  | 150 |  | 6,326 |  | 306
Construction and Farmland |  | 3,358 |  | 3,367 |  | 1,468 |  | 3,478 |  | 168
Residential |  | 9,748 |  | 9,763 |  | 2,071 |  | 10,463 |  | 346
Other |  | - |  | - |  | - |  | - |  | -
Total | $ | 19,890 | $ | 19,955 | $ | 4,233 | $ | 20,871 | $ | 846
Recorded investment is defined as the summation of the principal balance, accrued interest, and net deferred loan fees or costs. For the year ended December 31, 2010, the average recorded investment of impaired loans was $3.9 million. The interest income recognized on impaired loans was $309 thousand in 2010. The Company uses a rating system for evaluating the risks associated with non-consumer loans. Consumer loans are not evaluated for risk unless the characteristics of the loan fall within classified categories. Descriptions of these ratings are as follows:
Pass | Pass loans exhibit acceptable operating trends, balance sheet trends, and liquidity. Sufficient cash flow exists to service the loan. All obligations have been paid by the borrower in an as agreed manner.
Watch | Watch loans exhibit income volatility, negative operating trends, and a highly leveraged balance sheet. A higher level of supervision is required for these loans as the potential for a negative event could impact the borrower's ability to repay the loan.
Special mention | Special mention loans exhibit a potential weakness, if left uncorrected, may negatively affect the borrower's ability to repay its debt obligation. The risk of default is not imminent and the borrower still demonstrates sufficient cash flow to support the loan.
Substandard | Substandard loans exhibit well defined weaknesses and have a high probability of default. The borrowers exhibit adverse financial trends but still have the ability to service debt obligations.
Doubtful | Doubtful loans exhibit all of the characteristics inherent in substandard loans but the weaknesses make collection or full liquidation highly questionable.
Loss | Loss loans are considered uncollectible and of such little value that its continuance as a bankable asset is not warranted.
Credit quality information by class at December 31, 2012 and 2011 was as follows:
|  |  |  |  |  | A s o f D e c e m be r 3 1, 2 0 12 |  |  |  |
|  |  |  |  |  |  | (in tho us a nds ) |  |  |  |  |  |
|  |  |  |  |  | Special |  |  |  |  |  |  |  |
INTERNAL RISK RATING GRADES |  | P as s |  | Watch |  | Mentio n | Subs tandard |  | Do ubtful |  | Lo s s |  | To tal
Co mmercial - No n Real Es tate: |  |  |  |  |  |  |  |  |  |  |  |  |  |
Co mmercial &Indus trial | $ | 16,132 | $ | 2,289 | $ | 1,099 | $ | 1,891 | $ | 229 | $ | - | $ | 21,640
Co mmercial Real Es tate: |  |  |  |  |  |  |  |  |  |  |  |  |  |
Owner Occupied |  | 72,916 |  | 6,503 |  | 1,737 |  | 3,918 |  | 90 |  | - |  | 85,164
No n-o wner o ccupied |  | 22,810 |  | 5,303 |  | 4,332 |  | 6,773 |  | - |  | - |  | 39,218
Co ns tructio n and Farmland: |  |  |  |  |  |  |  |  |  |  |  |  |  |
Res idential |  | 9,548 |  | 158 |  | - |  | - |  | - |  | - |  | 9,706
Co mmercial |  | 21,155 |  | 1,777 |  | 854 |  | 4,384 |  | - |  | - |  | 28,170
Res idential: |  |  |  |  |  |  |  |  |  |  |  |  |  |
Equity Lines |  | 30,165 |  | 426 |  | 172 |  | 843 |  | 96 |  | - |  | 31,702
Single family |  | 148,904 |  | 12,048 |  | 10,672 |  | 10,780 |  | 513 |  | - |  | 182,917
Multifamily |  | 1,905 |  | 903 |  | - |  | - |  | - |  | - |  | 2,808
All o ther lo ans |  | 3,465 |  | - |  | - |  | - |  | - |  | - |  | 3,465
To tal | $ | 327,000 | $ | 29,407 | $ | 18,866 | $ | 28,589 | $ | 928 | $ | - | $ | 404,790
|  | P erfo rming |  | No nperfo rming
Co ns umer Credit Expo s ure by |  |  |  |
P ayment Activity | $ | 13,172 | $ | 135
|  |  |  |  |  | A s o f D e c e m be r 3 1, 2 0 11 |  |  |  |
|  |  |  |  |  |  | (in tho us a nds ) |  |  |  |  |  |
|  |  |  |  |  | Special |  |  |  |  |  |  |  |
INTERNAL RISK RATING GRADES |  | P as s |  | Watch |  | Mentio n | Subs tandard |  | Do ubtful |  | Lo s s |  | To tal
Co mmercial - No n Real Es tate: |  |  |  |  |  |  |  |  |  |  |  |  |  |
Co mmercial &Indus trial | $ | 16,960 | $ | 2,668 | $ | 991 | $ | 2,215 | $ | 32 | $ | - | $ | 22,866
Co mmercial Real Es tate: |  |  |  |  |  |  |  |  |  |  |  |  |  |
Owner Occupied |  | 65,651 |  | 6,613 |  | 5,759 |  | 4,641 |  | 442 |  | - |  | 83,106
No n-o wner o ccupied |  | 21,573 |  | 6,688 |  | 1,330 |  | 5,113 |  | 233 |  | - |  | 34,937
Co ns tructio n and Farmland: |  |  |  |  |  |  |  |  |  |  |  |  |  |
Res idential |  | 9,839 |  | - |  | 755 |  | - |  | - |  | - |  | 10,594
Co mmercial |  | 15,990 |  | 1,657 |  | 2,595 |  | 4,029 |  | 104 |  | - |  | 24,375
Res idential: |  |  |  |  |  |  |  |  |  |  |  |  |  |
Equity Lines |  | 31,862 |  | 227 |  | 355 |  | 985 |  | - |  | - |  | 33,429
Single family |  | 150,520 |  | 5,939 |  | 10,249 |  | 11,134 |  | 1,367 |  | - |  | 179,209
Multifamily |  | 2,320 |  | 1,230 |  | 967 |  | - |  | - |  | - |  | 4,517
All o ther lo ans |  | 3,485 |  | - |  | 721 |  | - |  | - |  | - |  | 4,206
To tal | $ | 318,200 | $ | 25,022 | $ | 23,722 | $ | 28,117 | $ | 2,178 | $ | - | $ | 397,239
|  | P erfo rming |  | No nperfo rming
Co ns umer Credit Expo s ure by |  |  |  |
P ayment Activity | $ | 13,053 | $ | 132
One consumer loan was rated as substandard for $8 thousand at December 31, 2012. One consumer loan was rated as watch for $17 thousand, one consumer loan was rated as special mention for $292 thousand, four consumer loans were rated as substandard for $19 thousand and one consumer loan was rated as doubtful for $5 thousand at December 31, 2011.

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