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LOANS (Tables) | 9 Months Ended
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Sep. 30, 2012
Recorded investment in loans by portfolio segment | The following table presents the recorded investment in loans by portfolio segment. The recorded investment in loans includes the principal balance outstanding adjusted for purchase premiums and discounts, deferred loan fees and costs and includes accrued interest.
|  | September 30, 2012 |  |  | December 31, 2011 |
Commercial |  | $ | 18,187 |  |  | $ | 25,994 |
Real estate: |  |  |  |  |  |  |  |
Single-family residential |  |  | 15,425 |  |  |  | 18,214 |
Multi-family residential |  |  | 22,900 |  |  |  | 27,163 |
Commercial |  |  | 57,687 |  |  |  | 69,757 |
Consumer: |  |  |  |  |  |  |  |
Home equity lines of credit |  |  | 13,145 |  |  |  | 14,921 |
Other |  |  | 1,038 |  |  |  | 1,221 |
Subtotal |  |  | 128,382 |  |  |  | 157,270 |
Less: ALLL |  |  | (5,442 | ) |  |  | (6,110 | )
Loans, net |  | $ | 122,940 |  |  | $ | 151,160 |
Activity in ALLL by portfolio segment | The following tables present the activity in the ALLL by portfolio segment for the three and nine months ended September 30, 2012:
|  | Three months ended September 30, 2012 |
|  |  |  |  | Real Estate |  |  | Consumer |  |  |  |
|  | Commercial |  |  | Single-family |  |  | Multi-family |  |  | Commercial |  |  | Home equity lines of credit |  |  | Other |  |  | Total |
Beginning balance |  | $ | 1,386 |  |  | $ | 245 |  |  | $ | 1,370 |  |  | $ | 2,130 |  |  | $ | 286 |  |  | $ | 17 |  |  | $ | 5,434 |
Addition to (reduction in) provision for loan losses |  |  | (370 | ) |  |  | (15 | ) |  |  | 544 |  |  |  | 510 |  |  |  | (115 | ) |  |  | (11 | ) |  |  | 543 |
Charge-offs |  |  | — |  |  |  | — |  |  |  | — |  |  |  | (536 | ) |  |  | — |  |  |  | — |  |  |  | (536 | )
Recoveries |  |  | — |  |  |  | 1 |  |  |  | — |  |  |  | — |  |  |  | 3 |  |  |  | 6 |  |  |  | 10 |
Reclass of ALLL on loan-related commitments (1) |  |  | (9 | ) |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | (9 | )
Ending balance |  | $ | 1,007 |  |  | $ | 231 |  |  | $ | 1,914 |  |  | $ | 2,104 |  |  | $ | 174 |  |  | $ | 12 |  |  | $ | 5,442 |
(1) | Reclassified from (to) accrued interest payable and other liabilities in the consolidated balance sheet
|  | Nine months ended September 30, 2012 |
|  |  |  |  | Real Estate |  |  | Consumer |  |  |  |
|  | Commercial |  |  | Single-family |  |  | Multi-family |  |  | Commercial |  |  | Home equity lines of credit |  |  | Other |  |  | Total |
Beginning balance |  | $ | 2,281 |  |  | $ | 207 |  |  | $ | 1,470 |  |  | $ | 1,863 |  |  | $ | 272 |  |  | $ | 17 |  |  | $ | 6,110 |
Addition to (reduction in) provision for loan losses |  |  | (1,467 | ) |  |  | 23 |  |  |  | 856 |  |  |  | 1,570 |  |  |  | (51 | ) |  |  | 12 |  |  |  | 943 |
Charge-offs |  |  | (99 | ) |  |  | (7 | ) |  |  | (434 | ) |  |  | (1,467 | ) |  |  | (60 | ) |  |  | (34 | ) |  |  | (2,101 | )
Recoveries |  |  | 292 |  |  |  | 8 |  |  |  | 22 |  |  |  | 138 |  |  |  | 13 |  |  |  | 17 |  |  |  | 490 |
Ending balance |  | $ | 1,007 |  |  | $ | 231 |  |  | $ | 1,914 |  |  | $ | 2,104 |  |  | $ | 174 |  |  | $ | 12 |  |  | $ | 5,442 |
The following tables present the activity in the ALLL by portfolio segment for the three and nine months ended September 30, 2011:
|  | Three months ended September 30, 2011 |
|  |  |  |  | Real Estate |  |  | Consumer |  |  |  |
|  | Commercial |  |  | Single-family |  |  | Multi-family |  |  | Commercial |  |  | Home equity lines of credit |  |  | Other |  |  | Total |
Beginning balance |  | $ | 2,754 |  |  | $ | 242 |  |  | $ | 2,183 |  |  | $ | 2,632 |  |  | $ | 220 |  |  | $ | 19 |  |  | $ | 8,050 |
Addition to (reduction in) provision for loan losses |  |  | (266 | ) |  |  | (54 | ) |  |  | 1,015 |  |  |  | (387 | ) |  |  | 100 |  |  |  | (3 | ) |  |  | 405 |
Charge-offs |  |  | — |  |  |  | — |  |  |  | (867 | ) |  |  | (580 | ) |  |  | (149 | ) |  |  | — |  |  |  | (1,596 | )
Recoveries |  |  | 29 |  |  |  | 2 |  |  |  | — |  |  |  | 47 |  |  |  | 15 |  |  |  | 1 |  |  |  | 94 |
Reclass of ALLL on loan-related commitments (1) |  |  | 2 |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 2 |
Ending balance |  | $ | 2,519 |  |  | $ | 190 |  |  | $ | 2,331 |  |  | $ | 1,712 |  |  | $ | 186 |  |  | $ | 17 |  |  | $ | 6,955 |
(1) | Reclassified from (to) accrued interest payable and other liabilities in the consolidated balance sheet
|  | Nine months ended September 30, 2011 |
|  |  |  |  | Real Estate |  |  | Consumer |  |  |  |
|  | Commercial |  |  | Single-family |  |  | Multi-family |  |  | Commercial |  |  | Construction |  |  | Home equity lines of credit |  |  | Other |  |  | Total |
Beginning balance |  | $ | 1,879 |  |  | $ | 241 |  |  | $ | 2,520 |  |  | $ | 4,719 |  |  | $ | 74 |  |  | $ | 303 |  |  | $ | 22 |  |  | $ | 9,758 |
Addition to (reduction in) provision for loan losses |  |  | 1,679 |  |  |  | (43 | ) |  |  | 1,926 |  |  |  | (1,247 | ) |  |  | (74 | ) |  |  | 12 |  |  |  | 3 |  |  |  | 2,256 |
Charge-offs |  |  | (1,140 | ) |  |  | (14 | ) |  |  | (2,117 | ) |  |  | (1,930 | ) |  |  | — |  |  |  | (149 | ) |  |  | (18 | ) |  |  | (5,368 | )
Recoveries |  |  | 100 |  |  |  | 6 |  |  |  | 2 |  |  |  | 170 |  |  |  | — |  |  |  | 20 |  |  |  | 10 |  |  |  | 308 |
Reclass of ALLL on loan-related commitments (1) |  |  | 1 |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 1 |
Ending balance |  | $ | 2,519 |  |  | $ | 190 |  |  | $ | 2,331 |  |  | $ | 1,712 |  |  | $ | — |  |  | $ | 186 |  |  | $ | 17 |  |  | $ | 6,955 |
(1) | Reclassified from (to) accrued interest payable and other liabilities in the consolidated balance sheet
Balance in ALLL and recorded investment in loans by portfolio segment and based on impairment method | The following table presents the balance in the ALLL and the recorded investment in loans by portfolio segment and based on the impairment method as of September 30, 2012:
|  |  |  |  | Real Estate |  |  | Consumer |  |  |  |
|  | Commercial |  |  | Single-family |  |  | Multi-family |  |  | Commercial |  |  | Home equity lines of credit |  |  | Other |  |  | Total |
ALLL: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Ending allowance balance attributable to loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Individually evaluated for impairment |  | $ | 564 |  |  | $ | 47 |  |  | $ | 585 |  |  | $ | 297 |  |  | $ | — |  |  | $ | — |  |  | $ | 1,493 |
Collectively evaluated for impairment |  |  | 443 |  |  |  | 184 |  |  |  | 1,329 |  |  |  | 1,807 |  |  |  | 174 |  |  |  | 12 |  |  |  | 3,949 |
Total ending allowance balance |  | $ | 1,007 |  |  | $ | 231 |  |  | $ | 1,914 |  |  | $ | 2,104 |  |  | $ | 174 |  |  | $ | 12 |  |  | $ | 5,442 |
Loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Individually evaluated for impairment |  | $ | 797 |  |  | $ | 129 |  |  | $ | 4,024 |  |  | $ | 6,610 |  |  | $ | — |  |  | $ | — |  |  | $ | 11,560 |
Collectively evaluated for impairment |  |  | 17,390 |  |  |  | 15,296 |  |  |  | 18,876 |  |  |  | 51,077 |  |  |  | 13,145 |  |  |  | 1,038 |  |  |  | 116,822 |
Total ending loan balance |  | $ | 18,187 |  |  | $ | 15,425 |  |  | $ | 22,900 |  |  | $ | 57,687 |  |  | $ | 13,145 |  |  | $ | 1,038 |  |  | $ | 128,382 |
The following table presents the balance in the ALLL and the recorded investment in loans by portfolio segment and based on the impairment method as of December 31, 2011:
|  |  |  |  | Real Estate |  |  | Consumer |  |  |  |
|  | Commercial |  |  | Single-family |  |  | Multi-family |  |  | Commercial |  |  | Home equity lines of credit |  |  | Other |  |  | Total |
ALLL: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Ending allowance balance attributable to loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Individually evaluated for impairment |  | $ | 624 |  |  | $ | — |  |  | $ | 11 |  |  | $ | 262 |  |  | $ | — |  |  | $ | — |  |  | $ | 897 |
Collectively evaluated for impairment |  |  | 1,657 |  |  |  | 207 |  |  |  | 1,459 |  |  |  | 1,601 |  |  |  | 272 |  |  |  | 17 |  |  |  | 5,213 |
Total ending allowance balance |  | $ | 2,281 |  |  | $ | 207 |  |  | $ | 1,470 |  |  | $ | 1,863 |  |  | $ | 272 |  |  | $ | 17 |  |  | $ | 6,110 |
Loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Individually evaluated for impairment |  | $ | 821 |  |  | $ | — |  |  | $ | 5,090 |  |  | $ | 6,085 |  |  | $ | 135 |  |  | $ | — |  |  | $ | 12,131 |
Collectively evaluated for impairment |  |  | 25,173 |  |  |  | 18,214 |  |  |  | 22,073 |  |  |  | 63,672 |  |  |  | 14,786 |  |  |  | 1,221 |  |  |  | 145,139 |
Total ending loan balance |  | $ | 25,994 |  |  | $ | 18,214 |  |  | $ | 27,163 |  |  | $ | 69,757 |  |  | $ | 14,921 |  |  | $ | 1,221 |  |  | $ | 157,270 |
Individually evaluated for impairment by class of loans | The following table presents loans individually evaluated for impairment by class of loans at September 30, 2012. The unpaid principal balance is the contractual principal balance outstanding. The recorded investment is the unpaid principal balance adjusted for partial charge-offs, purchase premiums and discounts, deferred loan fees and costs and includes accrued interest. The table presents accrual basis interest income recognized during the three and nine months ended September 30, 2012. Cash payments of interest during the three and nine months ended September 30, 2012 totaled $120 and $289, respectively.
|  | As of September 30, 2012 |  |  | Three months ended September 30, 2012 |  |  | Nine months ended September 30, 2012 |
|  | Unpaid Principal Balance |  |  | Recorded Investment |  |  | ALLL Allocated |  |  | Average Recorded Investment |  |  | Interest Income Recognized |  |  | Average Recorded Investment |  |  | Interest Income Recognized |
With no related allowance recorded: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial |  | $ | 143 |  |  | $ | 128 |  |  | $ | — |  |  | $ | 130 |  |  | $ | — |  |  | $ | 137 |  |  | $ | — |
Real estate: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Multi-family residential |  |  | 2,934 |  |  |  | 2,029 |  |  |  | — |  |  |  | 2,032 |  |  |  | — |  |  |  | 2,170 |  |  |  | — |
Commercial: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Non-owner occupied |  |  | 2,645 |  |  |  | 1,839 |  |  |  | — |  |  |  | 1,869 |  |  |  | — |  |  |  | 2,357 |  |  |  | — |
Owner occupied |  |  | 2,244 |  |  |  | 1,293 |  |  |  | — |  |  |  | 1,360 |  |  |  | — |  |  |  | 1,400 |  |  |  | — |
Total with no allowance recorded |  |  | 7,966 |  |  |  | 5,289 |  |  |  | — |  |  |  | 5,391 |  |  |  | — |  |  |  | 6,064 |  |  |  | — |
With an allowance recorded: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial |  |  | 669 |  |  |  | 669 |  |  |  | 564 |  |  |  | 672 |  |  |  | 8 |  |  |  | 686 |  |  |  | 30 |
Real estate: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Single-family residential |  |  | 129 |  |  |  | 129 |  |  |  | 47 |  |  |  | 129 |  |  |  | 1 |  |  |  | 131 |  |  |  | 1 |
Multi-family residential |  |  | 2,117 |  |  |  | 1,995 |  |  |  | 585 |  |  |  | 1,996 |  |  |  | 61 |  |  |  | 2,002 |  |  |  | 103 |
Commercial: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Non-owner occupied |  |  | 2,662 |  |  |  | 2,662 |  |  |  | 274 |  |  |  | 2,670 |  |  |  | 40 |  |  |  | 2,684 |  |  |  | 127 |
Owner occupied |  |  | 401 |  |  |  | 401 |  |  |  | 7 |  |  |  | 402 |  |  |  | 6 |  |  |  | 406 |  |  |  | 19 |
Land |  |  | 460 |  |  |  | 415 |  |  |  | 16 |  |  |  | 416 |  |  |  | 6 |  |  |  | 452 |  |  |  | 19 |
Total with an allowance recorded |  |  | 6,438 |  |  |  | 6,271 |  |  |  | 1,493 |  |  |  | 6,285 |  |  |  | 122 |  |  |  | 6,361 |  |  |  | 299 |
Total |  | $ | 14,404 |  |  | $ | 11,560 |  |  | $ | 1,493 |  |  | $ | 11,676 |  |  | $ | 122 |  |  | $ | 12,425 |  |  | $ | 299 |
The following table presents loans individually evaluated for impairment by class of loans at December 31, 2011. The unpaid principal balance is the contractual principal balance outstanding. The recorded investment is the unpaid principal balance adjusted for partial charge-offs, purchase premiums and discounts, deferred loan fees and costs and includes accrued interest. The table presents accrual basis interest income recognized during the three and nine months ended September 30, 2011. Cash payments of interest during the three and nine months ended September 30, 2011 totaled $96 and $118, respectively.
|  | As of December 31, 2011 |  |  | Three months ended September 30, 2011 |  |  | Nine months ended September 30, 2011 |
|  | Unpaid Principal Balance |  |  | Recorded Investment |  |  | ALLL Allocated |  |  | Average Recorded Investment |  |  | Interest Income Recognized |  |  | Average Recorded Investment |  |  | Interest Income Recognized |
With no related allowance recorded: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial |  | $ | 573 |  |  | $ | 47 |  |  | $ | — |  |  | $ | 1,248 |  |  | $ | 7 |  |  | $ | 515 |  |  | $ | 7 |
Real estate: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Single-family residential |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 32 |  |  |  | — |
Multi-family residential |  |  | 6,742 |  |  |  | 4,996 |  |  |  | — |  |  |  | 787 |  |  |  | 1 |  |  |  | 262 |  |  |  | 1 |
Commercial: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Non-owner occupied |  |  | 2,177 |  |  |  | 1,755 |  |  |  | — |  |  |  | 2,236 |  |  |  | 9 |  |  |  | 796 |  |  |  | 9 |
Owner occupied |  |  | 876 |  |  |  | 446 |  |  |  | — |  |  |  | 1,314 |  |  |  | 21 |  |  |  | 438 |  |  |  | 21 |
Land |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 684 |  |  |  | 11 |  |  |  | 688 |  |  |  | 32 |
Consumer: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Home equity lines of credit: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Originated for portfolio |  |  | 135 |  |  |  | 135 |  |  |  | — |  |  |  | 135 |  |  |  | — |  |  |  | 136 |  |  |  | — |
Total with no allowance recorded |  |  | 10,503 |  |  |  | 7,379 |  |  |  | — |  |  |  | 6,404 |  |  |  | 49 |  |  |  | 2,867 |  |  |  | 70 |
With an allowance recorded: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial |  |  | 796 |  |  |  | 774 |  |  |  | 624 |  |  |  | 515 |  |  |  | 8 |  |  |  | 1,163 |  |  |  | 8 |
Real estate: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Multi-family residential |  |  | 94 |  |  |  | 94 |  |  |  | 11 |  |  |  | 2,278 |  |  |  | — |  |  |  | 3,048 |  |  |  | — |
Commercial: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Non-owner occupied |  |  | 2,823 |  |  |  | 2,823 |  |  |  | 210 |  |  |  | 1,379 |  |  |  | 31 |  |  |  | 1,752 |  |  |  | 31 |
Owner occupied |  |  | 411 |  |  |  | 411 |  |  |  | 20 |  |  |  | 350 |  |  |  | — |  |  |  | 817 |  |  |  | — |
Land |  |  | 766 |  |  |  | 650 |  |  |  | 32 |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Total with an allowance recorded |  |  | 4,890 |  |  |  | 4,752 |  |  |  | 897 |  |  |  | 4,522 |  |  |  | 39 |  |  |  | 6,780 |  |  |  | 39 |
Total |  | $ | 15,393 |  |  | $ | 12,131 |  |  | $ | 897 |  |  | $ | 10,926 |  |  | $ | 88 |  |  | $ | 9,647 |  |  | $ | 109 |
Recorded investment in nonaccrual loans by class of loans | The following table presents the recorded investment in nonaccrual loans by class of loans:
|  | September 30, 2012 |  |  | December 31, 2011 |
Commercial |  | $ | 667 |  |  | $ | 47 |
Real estate: |  |  |  |  |  |  |  |
Single-family residential |  |  | 44 |  |  |  | 736 |
Multi-family residential |  |  | 3,937 |  |  |  | 4,996 |
Commercial: |  |  |  |  |  |  |  |
Non-owner occupied |  |  | 1,839 |  |  |  | 1,910 |
Owner occupied |  |  | 1,293 |  |  |  | 446 |
Consumer: |  |  |  |  |  |  |  |
Home equity lines of credit: |  |  |  |  |  |  |  |
Originated for portfolio |  |  | 66 |  |  |  | 157 |
Purchased for portfolio |  |  | 81 |  |  |  | 9 |
Total nonaccrual and nonperforming loans |  | $ | 7,927 |  |  | $ | 8,301 |
Aging of recorded investment in past due loans by class of loans | The following table presents the aging of the recorded investment in past due loans by class of loans as of September 30, 2012:
|  | 30 - 59 Days Past Due |  |  | 60 - 89 Days Past Due |  |  | Greater than 90 Days Past Due |  |  | Total Past Due |  |  | Loans Not Past Due |  |  | Nonaccrual Loans Not > 90 days Past Due |
Commercial |  | $ | 21 |  |  | $ | 112 |  |  | $ | 120 |  |  | $ | 253 |  |  | $ | 17,934 |  |  | $ | 547 |
Real estate: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Single-family residential |  |  | 302 |  |  |  | 706 |  |  |  | — |  |  |  | 1,008 |  |  |  | 14,417 |  |  |  | 44 |
Multi-family residential |  |  | — |  |  |  | — |  |  |  | 2,029 |  |  |  | 2,029 |  |  |  | 20,871 |  |  |  | 1,908 |
Commercial: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Non-owner occupied |  |  | 42 |  |  |  | — |  |  |  | 1,243 |  |  |  | 1,285 |  |  |  | 29,507 |  |  |  | 596 |
Owner occupied |  |  | — |  |  |  | — |  |  |  | 300 |  |  |  | 300 |  |  |  | 22,386 |  |  |  | 993 |
Land |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 4,639 |  |  |  | — |
Consumer: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Home equity lines of credit: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Originated for portfolio |  |  | — |  |  |  | — |  |  |  | 66 |  |  |  | 66 |  |  |  | 10,734 |  |  |  | — |
Purchased for portfolio |  |  | 130 |  |  |  | — |  |  |  | 81 |  |  |  | 211 |  |  |  | 2,134 |  |  |  | — |
Other |  |  | 61 |  |  |  | — |  |  |  | — |  |  |  | 61 |  |  |  | 977 |  |  |  | — |
Total |  | $ | 556 |  |  | $ | 818 |  |  | $ | 3,839 |  |  | $ | 5,213 |  |  | $ | 123,599 |  |  | $ | 4,088 |
The following table presents the aging of the recorded investment in past due loans by class of loans as of December 31, 2011:
|  | 30 - 59 Days Past Due |  |  | 60 - 89 Days Past Due |  |  | Greater than 90 Days Past Due |  |  | Total Past Due |  |  | Loans Not Past Due |  |  | Nonaccrual Loans Not > 90 Days Past Due |
Commercial |  | $ | 103 |  |  | $ | — |  |  | $ | — |  |  | $ | 103 |  |  | $ | 25,891 |  |  | $ | 47 |
Real estate: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Single-family residential |  |  | 714 |  |  |  | 474 |  |  |  | 491 |  |  |  | 1,679 |  |  |  | 16,535 |  |  |  | 245 |
Multi-family residential |  |  | — |  |  |  | — |  |  |  | 3,065 |  |  |  | 3,065 |  |  |  | 24,098 |  |  |  | 1,931 |
Commercial: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Non-owner occupied |  |  | 173 |  |  |  | 275 |  |  |  | 68 |  |  |  | 516 |  |  |  | 35,899 |  |  |  | 1,842 |
Owner occupied |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 27,900 |  |  |  | 446 |
Land |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 5,442 |  |  |  | — |
Consumer: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Home equity lines of credit: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Originated for portfolio |  |  | 22 |  |  |  | — |  |  |  | 135 |  |  |  | 157 |  |  |  | 12,126 |  |  |  | 22 |
Purchased for portfolio |  |  | — |  |  |  | — |  |  |  | 9 |  |  |  | 9 |  |  |  | 2,629 |  |  |  | — |
Other |  |  | — |  |  |  | 30 |  |  |  | — |  |  |  | 30 |  |  |  | 1,191 |  |  |  | — |
Total |  | $ | 1,012 |  |  | $ | 779 |  |  | $ | 3,768 |  |  | $ | 5,559 |  |  | $ | 151,711 |  |  | $ | 4,533 |
Loans modified as TDRs by class of loans | The following table presents loans modified as TDRs by class of loans during the nine months ended September 30, 2012:
|  | Nine months ended September 30, 2012 |
|  | Number of Loans |  |  | Pre-Modification Outstanding Recorded Investment |  |  | Post-Modification Outstanding Recorded Investment |
Real estate: |  |  |  |  |  |  |  |  |  |  |  |
Single-family residential |  |  | 1 |  |  |  | 132 |  |  |  | 138 |
Commercial: |  |  |  |  |  |  |  |  |  |  |  |
Non-owner occupied |  |  | 1 |  |  |  | 478 |  |  |  | 428 |
Total |  |  | 2 |  |  | $ | 610 |  |  | $ | 566 |
Schedule of Debtor Troubled Debt Restructuring, Subsequent Periods | Nonaccrual loans include loans that were modified and identified as TDRs and the loans are not performing. At September 30, 2012 and December 31, 2011, nonaccrual TDRs were as follows:
|  | September 30, 2012 |  |  | December 31, 2011 |
Commercial |  | $ | 539 |  |  | $ | 47 |
Real estate: |  |  |  |  |  |  |  |
Multi-family residential |  |  | 1,908 |  |  |  | 2,527 |
Commercial: |  |  |  |  |  |  |  |
Owner occupied |  |  | 300 |  |  |  | 446 |
Total |  | $ | 2,747 |  |  |  | 3,020 |
Financing Receivable Credit Quality Indicators | The recorded investment in loans by risk category and by class of loans as of September 30, 2012 and based on the most recent analysis performed follows. There were no loans rated doubtful at September 30, 2012.
|  | Not Rated |  |  | Pass |  |  | Special Mention |  |  | Substandard |  |  | Total |
Commercial |  | $ | 389 |  |  | $ | 13,568 |  |  | $ | 2,960 |  |  | $ | 1,270 |  |  | $ | 18,187 |
Real estate: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Single-family residential |  |  | 15,381 |  |  |  | — |  |  |  | — |  |  |  | 44 |  |  |  | 15,425 |
Multi-family residential |  |  | — |  |  |  | 12,285 |  |  |  | 5,815 |  |  |  | 4,800 |  |  |  | 22,900 |
Commercial: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Non-owner occupied |  |  | 331 |  |  |  | 21,865 |  |  |  | 3,018 |  |  |  | 5,578 |  |  |  | 30,792 |
Owner occupied |  |  | — |  |  |  | 18,555 |  |  |  | 1,629 |  |  |  | 2,072 |  |  |  | 22,256 |
Land |  |  | 121 |  |  |  | 1,013 |  |  |  | 434 |  |  |  | 3,071 |  |  |  | 4,639 |
Consumer: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Home equity lines of credit: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Originated for portfolio |  |  | 10,734 |  |  |  | — |  |  |  | — |  |  |  | 66 |  |  |  | 10,800 |
Purchased for portfolio |  |  | 1,825 |  |  |  | — |  |  |  | 439 |  |  |  | 81 |  |  |  | 2,345 |
Other |  |  | 1,038 |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 1,038 |
|  | $ | 29,819 |  |  | $ | 67,286 |  |  | $ | 14,295 |  |  | $ | 16,982 |  |  | $ | 128,382 |
The recorded investment in loans by risk category and by class of loans as of December 31, 2011 follows.
|  | Not Rated |  |  | Pass |  |  | Special Mention |  |  | Substandard |  |  | Doubtful |  |  | Total |
Commercial |  | $ | 432 |  |  | $ | 19,591 |  |  | $ | 2,062 |  |  | $ | 3,909 |  |  | $ | — |  |  | $ | 25,994 |
Real estate: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Single-family residential |  |  | 17,478 |  |  |  | — |  |  |  | — |  |  |  | 736 |  |  |  | — |  |  |  | 18,214 |
Multi-family residential |  |  | — |  |  |  | 15,395 |  |  |  | 4,539 |  |  |  | 6,822 |  |  |  | 407 |  |  |  | 27,163 |
Commercial: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Non-owner occupied |  |  | 365 |  |  |  | 22,159 |  |  |  | 5,717 |  |  |  | 8,176 |  |  |  | — |  |  |  | 36,417 |
Owner occupied |  |  | — |  |  |  | 22,526 |  |  |  | 3,474 |  |  |  | 1,898 |  |  |  | — |  |  |  | 27,898 |
Land |  |  | 954 |  |  |  | 1,123 |  |  |  | — |  |  |  | 3,365 |  |  |  | — |  |  |  | 5,442 |
Consumer: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Home equity lines of credit: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Originated for portfolio |  |  | 12,126 |  |  |  | — |  |  |  | — |  |  |  | 157 |  |  |  | — |  |  |  | 12,283 |
Purchased for portfolio |  |  | 2,182 |  |  |  | — |  |  |  | 447 |  |  |  | 9 |  |  |  | — |  |  |  | 2,638 |
Other |  |  | 1,221 |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 1,221 |
|  | $ | 34,758 |  |  | $ | 80,794 |  |  | $ | 16,239 |  |  | $ | 25,072 |  |  | $ | 407 |  |  | $ | 157,270 |

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- Definition Tabular disclosure of financing receivables by credit quality indicator. The credit quality indicator is a statistic about the credit quality of financing receivables. Examples include, but not limited to, consumer credit risk scores, credit-rating-agency ratings, an entity's internal credit risk grades, loan-to-value ratios, collateral, collection experience and other internal metrics. + References Reference 1: http://www.xbrl.org/2003/role/presentationRef -Publisher FASB -Name Accounting Standards Codification -Topic 310 -SubTopic 10 -Section 50 -Paragraph 29 -URI http://asc.fasb.org/extlink&oid=7512638&loc=SL6953659-111524 Reference 2: http://www.xbrl.org/2003/role/presentationRef -Publisher FASB -Name Accounting Standards Codification -Topic 310 -SubTopic 10 -Section 55 -Paragraph 19 -URI http://asc.fasb.org/extlink&oid=7880640&loc=SL6953803-111525 + Details
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