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Allowance for Loan Losses, Nonperforming Assets and Impaired Loans (Tables) | 3 Months Ended
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Mar. 31, 2013
Allowance for Loan Losses, Nonperforming Assets and Impaired Loans [Abstract] |
Financing receivables and activity in the allowance for credit losses account | A detailed analysis showing the allowance roll-forward by portfolio segment and related loan balance by segment follows.
|  | Activity in the Allowance for Loan Losses for the Three Months Ended March 31, 2013 |
|  | Real Estate Construction |  |  | Consumer Real Estate |  |  | Commercial Real Estate |  |  | Commercial Non Real Estate |  |  | Public Sector and IDA |  |  | Consumer Non Real Estate |  |  | Unallocated |  | Total |
Balance, December 31, 2012 |  | $ | 1,070 |  |  | $ | 2,263 |  |  | $ | 3,442 |  |  | $ | 959 |  |  | $ | 142 |  |  | $ | 424 |  |  | $ | 49 |  |  | $ | 8,349 |
Charge-offs |  |  | (184 | ) |  |  | (53 | ) |  |  | (35 | ) |  |  | (404 | ) |  |  | --- |  |  |  | (78 | ) |  |  | --- |  |  |  | (754 | )
Recoveries |  |  | --- |  |  |  | --- |  |  |  | --- |  |  |  | 16 |  |  |  | --- |  |  |  | 9 |  |  |  | --- |  |  |  | 25 |
Provision for loan losses |  |  | 287 |  |  |  | (364 | ) |  |  | (118 | ) |  |  | 705 |  |  |  | (32 | ) |  |  | 230 |  |  |  | (37 | ) |  |  | 671 |
Balance, March 31, 2013 |  | $ | 1,173 |  |  | $ | 1,846 |  |  | $ | 3,289 |  |  | $ | 1,276 |  |  | $ | 110 |  |  | $ | 585 |  |  | $ | 12 |  |  | $ | 8,291 |
|  | Activity in the Allowance for Loan Losses for the Three Months Ended March 31, 2012 |
|  | Real Estate Construction |  |  | Consumer Real Estate |  |  | Commercial Real Estate |  |  | Commercial Non Real Estate |  |  | Public Sector and IDA |  |  | Consumer Non Real Estate |  |  | Unallocated |  |  | Total |
Balance, December 31, 2011 |  | $ | 1,079 |  |  | $ | 1,245 |  |  | $ | 3,515 |  |  | $ | 1,473 |  |  | $ | 232 |  |  | $ | 403 |  |  | $ | 121 |  |  | $ | 8,068 |
Charge-offs |  |  | --- |  |  |  | (95 | ) |  |  | (537 | ) |  |  | --- |  |  |  | --- |  |  |  | (68 | ) |  |  | --- |  |  |  | (700 | )
Recoveries |  |  | --- |  |  |  | --- |  |  |  | --- |  |  |  | --- |  |  |  | --- |  |  |  | 23 |  |  |  | --- |  |  |  | 23 |
Provision for loan losses |  |  | (405 | ) |  |  | 1,102 |  |  |  | 242 |  |  |  | (347 | ) |  |  | (147 | ) |  |  | 124 |  |  |  | 103 |  |  |  | 672 |
Balance, March 31, 2012 |  | $ | 674 |  |  | $ | 2,252 |  |  | $ | 3,220 |  |  | $ | 1,126 |  |  | $ | 85 |  |  | $ | 482 |  |  | $ | 224 |  |  | $ | 8,063 |
| Allowance for Loan Losses as of March 31, 2013 |
| Real Estate Construction |  | Consumer Real Estate |  | Commercial Real Estate |  | Commercial Non Real Estate |  | Public Sector and IDA |  | Consumer Non Real Estate |  | Unallocated |  | Total |
Individually evaluated for impairment |  | $ | --- |  |  | $ | --- |  |  | $ | 269 |  |  | $ | 1 |  |  | $ | --- |  |  | $ | 3 |  |  | $ | --- |  |  | $ | 273 |
Collectively evaluated for impairment |  |  | 1,173 |  |  |  | 1,846 |  |  |  | 3,020 |  |  |  | 1,275 |  |  |  | 110 |  |  |  | 582 |  |  |  | 12 |  |  |  | 8,018 |
Total |  | $ | 1,173 |  |  | $ | 1,846 |  |  | $ | 3,289 |  |  | $ | 1,276 |  |  | $ | 110 |  |  | $ | 585 |  |  | $ | 12 |  |  | $ | 8,291 |
| Allowance for Loan Losses as of December 31, 2012 |
| Real Estate Construction |  | Consumer Real Estate |  | Commercial Real Estate |  | Commercial Non Real Estate |  | Public Sector and IDA |  | Consumer Non Real Estate |  | Unallocated |  | Total |
Individually evaluated for impairment |  | $ | --- |  |  | $ | 43 |  |  | $ | 273 |  |  | $ | 231 |  |  | $ | --- |  |  | $ | 7 |  |  | $ | --- |  |  | $ | 554 |
Collectively evaluated for impairment |  |  | 1,070 |  |  |  | 2,220 |  |  |  | 3,169 |  |  |  | 728 |  |  |  | 142 |  |  |  | 417 |  |  |  | 49 |  |  |  | 7,795 |
Total |  | $ | 1,070 |  |  | $ | 2,263 |  |  | $ | 3,442 |  |  | $ | 959 |  |  | $ | 142 |  |  | $ | 424 |  |  | $ | 49 |  |  | $ | 8,349 |
| Loans as of March 31, 2013 |
| Real Estate Construction |  | Consumer Real Estate |  | Commercial Real Estate |  | Commercial Non Real Estate |  | Public Sector and IDA |  | Consumer Non Real Estate |  | Unallocated |  | Total |
Individually evaluated for impairment |  | $ | 6,492 |  |  | $ | 478 |  |  | $ | 9,927 |  |  | $ | 318 |  |  | $ | --- |  |  | $ | 43 |  |  | $ | --- |  |  | $ | 17,258 |
Collectively evaluated for impairment |  |  | 44,356 |  |  |  | 139,216 |  |  |  | 284,651 |  |  |  | 35,160 |  |  |  | 26,686 |  |  |  | 28,538 |  |  |  | --- |  |  |  | 558,607 |
Total loans |  | $ | 50,848 |  |  | $ | 139,694 |  |  | $ | 294,578 |  |  | $ | 35,478 |  |  | $ | 26,686 |  |  | $ | 28,581 |  |  | $ | --- |  |  | $ | 575,865 |
| Loans as of December 31, 2012 |
| Real Estate Construction |  | Consumer Real Estate |  | Commercial Real Estate |  | Commercial Non Real Estate |  | Public Sector and IDA |  | Consumer Non Real Estate |  | Unallocated |  | Total |
Individually evaluated for impairment |  | $ | 6,643 |  |  | $ | 864 |  |  | $ | 10,329 |  |  | $ | 574 |  |  | $ | --- |  |  | $ | 46 |  |  | $ | --- |  |  | $ | 18,456 |
Collectively evaluated for impairment |  |  | 43,670 |  |  |  | 142,398 |  |  |  | 293,979 |  |  |  | 36,775 |  |  |  | 26,169 |  |  |  | 31,668 |  |  |  | --- |  |  |  | 574,659 |
Total |  | $ | 50,313 |  |  | $ | 143,262 |  |  | $ | 304,308 |  |  | $ | 37,349 |  |  | $ | 26,169 |  |  | $ | 31,714 |  |  | $ | --- |  |  | $ | 593,115 |
Summary of ratios for the allowance for loan losses | A summary of ratios for the allowance for loan losses follows.
|  | Three Months Ended March 31, |  |  | Year Ended December 31, |
|  | 2013 |  |  | 2012 |  |  | 2012 |
Ratio of allowance for loan losses to the end of period loans, net of unearned income and deferred fees |  |  | 1.44 | % |  |  | 1.38 | % |  |  | 1.41 | %
Ratio of net charge-offs to average loans, net of unearned income and deferred fees(1) |  |  | 0.50 | % |  |  | 0.46 | % |  |  | 0.49 | %
(1) | Net charge-offs are on an annualized basis.
Summary of nonperforming assets | A summary of nonperforming assets follows.
|  | March 31, |  |  | December 31, |
|  | 2013 |  |  | 2012 |  |  | 2012 |
Nonperforming assets: |  |  |  |  |  |  |  |  |
Nonaccrual loans |  | $ | 10,734 |  |  | $ | 1,789 |  |  | $ | 10,870 |
Restructured loans in nonaccrual |  |  | 1,691 |  |  |  | 3,539 |  |  |  | 2,151 |
Total nonperforming loans |  |  | 12,425 |  |  |  | 5,328 |  |  |  | 13,021 |
Other real estate owned, net |  |  | 1,094 |  |  |  | 940 |  |  |  | 1,435 |
Total nonperforming assets |  | $ | 13,519 |  |  | $ | 6,268 |  |  | $ | 14,456 |
Ratio of nonperforming assets to loans, net of unearned income and deferred fees, plus other real estate owned |  |  | 2.35 | % |  |  | 1.07 | % |  |  | 2.44 | %
Ratio of allowance for loan losses to nonperforming loans(1) |  |  | 66.73 | % |  |  | 151.33 | % |  |  | 64.12 | %
(1) The Company defines nonperforming loans as nonaccrual loans. Loans 90 days or more past due and still accruing and accruing restructured loans are excluded.
Summary of loans past due 90 days or more and impaired loans | A summary of loans past due 90 days or more and impaired loans follows.
|  | March 31, |  |  | December 31, |
|  | 2013 |  |  | 2012 |  |  | 2012 |
Loans past due 90 days or more and still accruing |  | $ | 568 |  |  | $ | 210 |  |  | $ | 170 |
Ratio of loans past due 90 days or more and still accruing to loans, net of unearned income and deferred fees |  |  | 0.10 | % |  |  | 0.04 | % |  |  | 0.03 | %
Accruing restructured loans |  | $ | 5,732 |  |  | $ | 3,742 |  |  | $ | 2,005 |
Impaired loans: |  |  |  |  |  |  |  |  |  |  |  |
Impaired loans with no valuation allowance |  | $ | 16,263 |  |  | $ | 9,933 |  |  | $ | 16,974 |
Impaired loans with a valuation allowance |  |  | 995 |  |  |  | 3,054 |  |  |  | 1,482 |
Total impaired loans |  | $ | 17,258 |  |  | $ | 12,987 |  |  | $ | 18,456 |
Valuation allowance |  |  | (273 | ) |  |  | (593 | ) |  |  | (554 | )
Impaired loans, net of allowance |  | $ | 16,985 |  |  | $ | 12,394 |  |  | $ | 17,902 |
Average recorded investment in impaired loans(1) |  | $ | 17,935 |  |  | $ | 14,555 |  |  | $ | 13,540 |
Interest income recognized on impaired loans, after designation as impaired |  | $ | 10 |  |  | $ | 24 |  |  | $ | 9 |
Amount of income recognized on a cash basis |  | $ | --- |  |  | $ | --- |  |  | $ | --- |
(1) Recorded investment includes principal, accrued interest and net deferred fees.
Summary of investment in impaired loans, related allowance, recorded investment and interest income recognized | A detailed analysis of investment in impaired loans, associated reserves and interest income recognized, segregated by loan class follows.
|  | Impaired Loans as of March 31, 2013 |
|  | Principal Balance |  |  | (A) Total Recorded Investment(1) |  |  | Recorded Investment(1) in (A) for Which There is No Related Allowance |  |  | Recorded Investment(1) in (A) for Which There is a Related Allowance |  |  | Related Allowance |
Real Estate Construction |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Construction, residential |  | $ | 123 |  |  | $ | 118 |  |  | $ | 118 |  |  | $ | --- |  |  | $ | --- |
Construction, other |  |  | 6,369 |  |  |  | 6,334 |  |  |  | 6,334 |  |  |  | --- |  |  |  | --- |
Consumer Real Estate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Equity lines |  |  | --- |  |  |  | --- |  |  |  | --- |  |  |  | --- |  |  |  | --- |
Residential closed-end first liens |  |  | 315 |  |  |  | 315 |  |  |  | 315 |  |  |  | --- |  |  |  | --- |
Residential closed-end junior liens |  |  | 80 |  |  |  | 80 |  |  |  | 80 |  |  |  | --- |  |  |  | --- |
Investor-owned residential real estate |  |  | 83 |  |  |  | 84 |  |  |  | 84 |  |  |  | --- |  |  |  | --- |
Commercial Real Estate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Multifamily real estate |  |  | 4,421 |  |  |  | 4,417 |  |  |  | 4,417 |  |  |  | --- |  |  |  | --- |
Commercial real estate, owner occupied |  |  | 5,506 |  |  |  | 5,513 |  |  |  | 4,587 |  |  |  | 926 |  |  |  | 269 |
Commercial real estate, other |  |  | --- |  |  |  | --- |  |  |  | --- |  |  |  | --- |  |  |  | --- |
Commercial Non Real Estate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial and Industrial |  |  | 318 |  |  |  | 318 |  |  |  | 291 |  |  |  | 27 |  |  |  | 1 |
Public Sector and IDA |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Public sector and IDA |  |  | --- |  |  |  | --- |  |  |  | --- |  |  |  | --- |  |  |  | --- |
Consumer Non Real Estate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Credit cards |  |  | --- |  |  |  | --- |  |  |  | --- |  |  |  | --- |  |  |  | --- |
Automobile |  |  | 43 |  |  |  | 43 |  |  |  | --- |  |  |  | 43 |  |  |  | 3 |
Other consumer loans |  |  | --- |  |  |  | --- |  |  |  | --- |  |  |  | --- |  |  |  | --- |
Total |  | $ | 17,258 |  |  | $ | 17,222 |  |  | $ | 16,226 |  |  | $ | 996 |  |  | $ | 273 |
(1) Recorded investment includes the unpaid principal balance and any accrued interest and net deferred fees.
|  | Impaired Loans as of December 31, 2012 |
|  | Principal Balance |  |  | (A) Total Recorded Investment(1) |  |  | Recorded Investment(1) in (A) for Which There is No Related Allowance |  |  | Recorded Investment(1) in (A) for Which There is a Related Allowance |  |  | Related Allowance |
Real Estate Construction |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Construction, residential |  | $ | 123 |  |  | $ | 118 |  |  | $ | 118 |  |  | $ | --- |  |  | $ | --- |
Construction, other |  |  | 6,520 |  |  |  | 6,487 |  |  |  | 6,487 |  |  |  | --- |  |  |  | --- |
Consumer Real Estate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Equity lines |  |  | --- |  |  |  | --- |  |  |  | --- |  |  |  | --- |  |  |  | --- |
Residential closed-end first liens |  |  | 783 |  |  |  | 785 |  |  |  | 634 |  |  |  | 151 |  |  |  | 43 |
Residential closed-end junior liens |  |  | 81 |  |  |  | 81 |  |  |  | 81 |  |  |  | --- |  |  |  | --- |
Commercial Real Estate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Multifamily real estate |  |  | 5,284 |  |  |  | 5,288 |  |  |  | 5,288 |  |  |  | --- |  |  |  | --- |
Commercial real estate, owner occupied |  |  | 5,045 |  |  |  | 5,043 |  |  |  | 4,293 |  |  |  | 750 |  |  |  | 273 |
Commercial real estate, other |  |  | --- |  |  |  | --- |  |  |  | --- |  |  |  | --- |  |  |  | --- |
Commercial Non Real Estate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial and Industrial |  |  | 574 |  |  |  | 574 |  |  |  | 39 |  |  |  | 535 |  |  |  | 231 |
Public Sector and IDA |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Public sector and IDA |  |  | --- |  |  |  | --- |  |  |  | --- |  |  |  | --- |  |  |  | --- |
Consumer Non Real Estate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Credit cards |  |  | --- |  |  |  | --- |  |  |  | --- |  |  |  | --- |  |  |  | --- |
Automobile |  |  | 46 |  |  |  | 46 |  |  |  | --- |  |  |  | 46 |  |  |  | 7 |
Other consumer loans |  |  | --- |  |  |  | --- |  |  |  | --- |  |  |  | --- |  |  |  | --- |
Total |  | $ | 18,456 |  |  | $ | 18,422 |  |  | $ | 16,940 |  |  | $ | 1,482 |  |  | $ | 554 |
(1) Recorded investment includes the unpaid principal balance, accrued interest and any accrued interest and deferred fees. The following tables show the average investment and interest income recognized for impaired loans.
|  | For the Three Months Ended March 31, 2013 |
|  | Average Recorded Investment(1) |  |  | Interest Income Recognized |
Real Estate Construction |  |  |  |  |  |
Construction, residential |  | $ | 118 |  |  | $ | --- |
Construction, other |  |  | 6,486 |  |  |  | --- |
Consumer Real Estate |  |  |  |  |  |  |  |
Equity lines |  |  | --- |  |  |  | --- |
Residential closed-end first liens |  |  | 392 |  |  |  | --- |
Residential closed-end junior liens |  |  | 142 |  |  |  | --- |
Investor-owned residential real estate |  |  | 84 |  |  |  | --- |
Commercial Real Estate |  |  |  |  |  |  |  |
Multifamily real estate |  |  | 4,540 |  |  |  | --- |
Commercial real estate, owner occupied |  |  | 5,599 |  |  |  | 10 |
Commercial real estate, other |  |  | --- |  |  |  | --- |
Commercial Non Real Estate |  |  |  |  |  |  |  |
Commercial and Industrial |  |  | 574 |  |  |  | --- |
Public Sector and IDA |  |  |  |  |  |  |  |
Public sector and IDA |  |  | --- |  |  |  | --- |
Consumer Non Real Estate |  |  |  |  |  |  |  |
Credit cards |  |  | --- |  |  |  | --- |
Automobile |  |  | --- |  |  |  | --- |
Other consumer |  |  | --- |  |  |  | --- |
Total |  | $ | 17,935 |  |  | $ | 10 |
(1) Recorded investment includes the unpaid principal balance and any accrued interest and net deferred fees.
|  | Average Investment and Interest Income for Impaired Loans |
|  | For the Year Ended December 31, 2012 |
|  | Average Recorded Investment(1) |  |  | Interest Income Recognized |
Real Estate Construction |  |  |  |  |  |
Construction, residential |  | $ | 1,171 |  |  | $ | --- |
Construction, other |  |  | 4,290 |  |  |  | 1 |
Commercial Real Estate |  |  |  |  |  |  |  |
Equity lines |  |  | 101 |  |  |  | --- |
Residential closed-end first liens |  |  | 873 |  |  |  | 2 |
Residential closed-end junior liens |  |  | 234 |  |  |  | --- |
Commercial Real Estate |  |  |  |  |  |  |  |
Multifamily real estate |  |  | 1,466 |  |  |  | 5 |
Commercial real estate, owner occupied |  |  | 4,806 |  |  |  | 1 |
Commercial real estate, other |  |  | --- |  |  |  | --- |
Commercial Non Real Estate |  |  |  |  |  |  |  |
Commercial and Industrial |  |  | 570 |  |  |  | --- |
Public Sector and IDA |  |  |  |  |  |  |  |
Public sector and IDA |  |  | --- |  |  |  | --- |
Consumer Non Real Estate |  |  |  |  |  |  |  |
Credit cards |  |  | --- |  |  |  | --- |
Automobile |  |  | 4 |  |  |  | --- |
Other consumer |  |  | 25 |  |  |  | --- |
Total |  | $ | 13,540 |  |  | $ | 9 |
(1) | Recorded investment includes the unpaid principal balance and any accrued interest and deferred fees.
Analysis of past due and nonaccrual loans | An analysis of past due and nonaccrual loans as of March 31, 2013 follows.
|  | 30 – 89 Days Past Due |  |  | 90 or More Days Past Due |  |  | 90 or More Days Past Due and Still Accruing |  |  | Nonaccruals (Including Impaired Nonaccruals) |
Real Estate Construction |  |  |  |  |  |  |  |  |  |  |  |
Construction, residential |  | $ | --- |  |  | $ | 123 |  |  | $ | --- |  |  | $ | 123 |
Construction, other |  |  | 30 |  |  |  | --- |  |  |  | --- |  |  |  | 2,869 |
Consumer Real Estate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Equity lines |  |  | 22 |  |  |  | 49 |  |  |  | 49 |  |  |  | --- |
Residential closed-end first liens |  |  | 1,236 |  |  |  | 731 |  |  |  | 414 |  |  |  | 626 |
Residential closed-end junior liens |  |  | 336 |  |  |  | 170 |  |  |  | 51 |  |  |  | 119 |
Investor-owned residential real estate |  |  | 196 |  |  |  | --- |  |  |  | --- |  |  |  | 3 |
Commercial Real Estate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Multifamily real estate |  |  | 943 |  |  |  | 254 |  |  |  | --- |  |  |  | 4,421 |
Commercial real estate, owner occupied |  |  | 670 |  |  |  | 2,806 |  |  |  | --- |  |  |  | 3,810 |
Commercial real estate, other |  |  | 256 |  |  |  | --- |  |  |  | --- |  |  |  | --- |
Commercial Non Real Estate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial and Industrial |  |  | 265 |  |  |  | 258 |  |  |  | --- |  |  |  | 411 |
Public Sector and IDA |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Public sector and IDA |  |  | --- |  |  |  | --- |  |  |  | --- |  |  |  | --- |
Consumer Non Real Estate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Credit cards |  |  | 24 |  |  |  | 6 |  |  |  | 6 |  |  |  | --- |
Automobile |  |  | 185 |  |  |  | 42 |  |  |  | 42 |  |  |  | 43 |
Other consumer loans |  |  | 132 |  |  |  | 6 |  |  |  | 6 |  |  |  | --- |
Total |  | $ | 4,295 |  |  | $ | 4,445 |  |  | $ | 568 |  |  | $ | 12,425 |
An analysis of past due and nonaccrual loans follows:
December 31, 2012 |  |  |  |  |  |  |  |  |  |  |  |
|  | 30 – 89 Days Past Due |  |  | 90 or More Days Past Due |  |  | 90 or More Days Past Due and Still Accruing |  |  | Nonaccruals (Including Impaired Nonaccruals) |
Real Estate Construction |  |  |  |  |  |  |  |  |  |  |  |
Construction, residential |  | $ | --- |  |  | $ | 123 |  |  | $ | --- |  |  | $ | 123 |
Construction, other |  |  | 31 |  |  |  | 89 |  |  |  | --- |  |  |  | 3,109 |
Consumer Real Estate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Equity lines |  |  | 22 |  |  |  | 30 |  |  |  | 30 |  |  |  | 98 |
Residential closed-end first liens |  |  | 1,507 |  |  |  | 605 |  |  |  | 126 |  |  |  | 801 |
Residential closed-end junior liens |  |  | 121 |  |  |  | 39 |  |  |  | --- |  |  |  | 120 |
Commercial Real Estate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Multifamily real estate |  |  | 671 |  |  |  | 261 |  |  |  | --- |  |  |  | 4,624 |
Commercial real estate, owner occupied |  |  | 1,113 |  |  |  | --- |  |  |  | --- |  |  |  | 3,536 |
Commercial real estate, other |  |  | 40 |  |  |  | 2,089 |  |  |  | --- |  |  |  | --- |
Commercial Non Real Estate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial and Industrial |  |  | 291 |  |  |  | 505 |  |  |  | --- |  |  |  | 561 |
Public Sector and IDA |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Public sector and IDA |  |  | --- |  |  |  | --- |  |  |  | --- |  |  |  | --- |
Consumer Non Real Estate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Credit cards |  |  | 20 |  |  |  | 4 |  |  |  | 4 |  |  |  | --- |
Automobile |  |  | 142 |  |  |  | 10 |  |  |  | 10 |  |  |  | 49 |
Other consumer loans |  |  | 132 |  |  |  | --- |  |  |  | --- |  |  |  | --- |
Total |  | $ | 4,090 |  |  | $ | 3,755 |  |  | $ | 170 |  |  | $ | 13,021 |
Non-impaired loans by credit quality indicator | The following displays collectively-evaluated loans by credit quality indicator.
March 31, 2013 |  |  |  |  |  |  |  |  |
|  | Pass |  |  | Special Mention |  |  | Classified (Excluding Impaired) |
Real Estate Construction |  |  |  |  |  |  |  |  |
Construction, 1-4 family residential |  | $ | 15,993 |  |  | $ | 158 |  |  | $ | --- |
Construction, other |  |  | 28,154 |  |  |  | 6,086 |  |  |  | 30 |
Consumer Real Estate |  |  |  |  |  |  |  |  |  |  |  |
Equity lines |  |  | 17,462 |  |  |  | --- |  |  |  | 84 |
Closed-end first liens |  |  | 75,434 |  |  |  | 283 |  |  |  | 2,739 |
Closed-end junior liens |  |  | 5,410 |  |  |  | 116 |  |  |  | 143 |
Investor-owned residential real estate |  |  | 37,027 |  |  |  | 48 |  |  |  | 48 |
Commercial Real Estate |  |  |  |  |  |  |  |  |  |  |  |
Multifamily residential real estate |  |  | 35,328 |  |  |  | --- |  |  |  | 1,178 |
Commercial real estate owner-occupied |  |  | 144,248 |  |  |  | 215 |  |  |  | 1,239 |
Commercial real estate other |  |  | 93,264 |  |  |  | 3,092 |  |  |  | --- |
Commercial Non Real Estate |  |  |  |  |  |  |  |  |  |  |  |
Commercial and Industrial |  |  | 34,725 |  |  |  | 151 |  |  |  | 298 |
Public Sector and IDA |  |  |  |  |  |  |  |  |  |  |  |
States and political subdivisions |  |  | 26,686 |  |  |  | --- |  |  |  | --- |
Consumer Non Real Estate |  |  |  |  |  |  |  |  |  |  |  |
Credit cards |  |  | 6,292 |  |  |  | --- |  |  |  | --- |
Automobile |  |  | 12,171 |  |  |  | 122 |  |  |  | 115 |
Other consumer |  |  | 9,269 |  |  |  | 24 |  |  |  | 68 |
Total |  | $ | 541,463 |  |  | $ | 10,295 |  |  | $ | 5,942 |
The following displays collectively-evaluated loans by credit quality indicator.
December 31, 2012 |  |  |  |  |  |  |  |  |
|  | Pass |  |  | Special Mention |  |  | Classified (Excluding Impaired) |
Real Estate Construction |  |  |  |  |  |  |  |  |
Construction, 1-4 family residential |  | $ | 14,344 |  |  | $ | 158 |  |  | $ | --- |
Construction, other |  |  | 29,011 |  |  |  | --- |  |  |  | 120 |
Consumer Real Estate |  |  |  |  |  |  |  |  |  |  |  |
Equity lines |  |  | 17,742 |  |  |  | 100 |  |  |  | 182 |
Closed-end first liens |  |  | 113,893 |  |  |  | 652 |  |  |  | 2,413 |
Closed-end junior liens |  |  | 6,713 |  |  |  | 119 |  |  |  | 138 |
Commercial Real Estate |  |  |  |  |  |  |  |  |  |  |  |
Multifamily residential real estate |  |  | 36,421 |  |  |  | --- |  |  |  | 324 |
Commercial real estate owner-occupied |  |  | 160,188 |  |  |  | 253 |  |  |  | 1,079 |
Commercial real estate other |  |  | 92,628 |  |  |  | 3,112 |  |  |  | --- |
Commercial Non Real Estate |  |  |  |  |  |  |  |  |  |  |  |
Commercial and Industrial |  |  | 36,372 |  |  |  | 99 |  |  |  | 318 |
Public Sector and IDA |  |  |  |  |  |  |  |  |  |  |  |
States and political subdivisions |  |  | 26,170 |  |  |  | --- |  |  |  | --- |
Consumer Non Real Estate |  |  |  |  |  |  |  |  |  |  |  |
Credit cards |  |  | 6,690 |  |  |  | --- |  |  |  | --- |
Automobile |  |  | 12,344 |  |  |  | 101 |  |  |  | 56 |
Other consumer |  |  | 11,815 |  |  |  | 45 |  |  |  | 105 |
Total |  | $ | 564,331 |  |  | $ | 4,639 |  |  | $ | 4,735 |
Troubled debt restructurings | The Company modified loans in troubled debt restructurings during the periods ended March 31, 2013 and March 31, 2012. The following tables present restructurings by class that occurred during the periods. Note: Only classes with restructured loans are presented.
|  | Restructurings That Occurred During the Three Months Ended March 31, 2013 |
|  | Number of Contracts |  |  | Pre-Modification Outstanding Principal Balance |  |  | Post-Modification Outstanding Principal Balance |
Real Estate Construction |  |  |  |  |  |  |  |  |
Construction, other |  |  | 1 |  |  | $ | 3,500 |  |  | $ | 3,500 |
Commercial Real Estate |  |  |  |  |  |  |  |  |  |  |  |
Commercial real estate, owner occupied |  |  | 1 |  |  |  | 154 |  |  |  | 239 |
Total |  |  | 2 |  |  | $ | 3,654 |  |  | $ | 3,739 |
|  | Restructurings that occurred during the Three Months Ended March 31, 2012 |
|  | Number of Contracts |  |  | Pre-Modification Outstanding Principal Balance |  |  | Post-Modification Outstanding Principal Balance |  |  | Impairment Accrued |
Consumer Real Estate |  |  |  |  |  |  |  |  |  |  |  |
Closed-end first liens |  |  | 3 |  |  | $ | 305 |  |  | $ | 324 |  |  | $ | 47 |
Closed-end junior liens |  |  | 1 |  |  |  | 143 |  |  |  | 147 |  |  |  | 109 |
Commercial Real Estate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial real estate, owner occupied |  |  | 1 |  |  |  | 17 |  |  |  | 22 |  |  |  | --- |
Total |  |  | 5 |  |  | $ | 465 |  |  | $ | 493 |  |  | $ | 156 |
The following tables present restructured loans that defaulted during the three-month periods ended March 31, 2013 and March 31, 2012 and that were modified within 12 months prior to default. The company defines default as one or more payments that occur more than 90 days past the due date, or charge-offs after the date of restructuring.
| Restructured Loans That Defaulted During the Three Months Ended March 31, 2013 That Were Modified Within 12 Months Prior to Default
| Number of Contracts |  | Principal Balance |
Consumer Real Estate |  |  |  |  |
Residential closed-end first liens | 1 |  | $ | 101 |
Residential closed-end junior liens | 1 |  |  | 88 |
Commercial Real Estate |  |  |  |  |
Commercial real estate owner-occupied | 1 |  |  | 663 |
Commercial Non Real Estate |  |  |  |  |
Commercial and industrial | 1 |  |  | 219 |
Total | 4 |  | $ | 1,071 |
| Restructured Loans That Defaulted During the Three Months Ended March 31, 2012 That Were Modified Within 12 Months Prior to Default
| Number of Contracts |  | Principal Balance |
Consumer Real Estate |  |  |  |  |
Closed-end first liens | 1 |  | $ | 17 |
Commercial Real Estate |  |  |  |  |
Multifamily | 1 |  |  | 250 |
Commercial Non Real Estate |  |  |  |  |
Commercial and industrial | 1 |  |  | 58 |
Consumer Non Real Estate |  |  |  |  |
Other consumer | 1 |  |  | 67 |
Total | 4 |  | $ | 392 |

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