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Loans (Tables) | 12 Months Ended
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Dec. 31, 2012
Schedule of Loans | Loans at year-end were as follows:
|  | 2012 |  |  | 2011 |
Commercial |  | $ | 25,408 |  |  | $ | 25,994 |
Real estate: |  |  |  |  |  |  |  |
Single-family residential |  |  | 43,058 |  |  |  | 18,214 |
Multi-family residential |  |  | 21,576 |  |  |  | 27,163 |
Commercial |  |  | 54,291 |  |  |  | 69,757 |
Construction |  |  | 14 |  |  |  | — |
Consumer: |  |  |  |  |  |  |  |
Home equity lines of credit |  |  | 12,963 |  |  |  | 14,921 |
Other |  |  | 970 |  |  |  | 1,221 |
Subtotal |  |  | 158,280 |  |  |  | 157,270 |
Less: ALLL |  |  | (5,237 | ) |  |  | (6,110 | )
Loans, net |  | $ | 153,043 |  |  | $ | 151,160 |
Activity in ALLL by Portfolio Segment | The following tables present the activity in the ALLL by portfolio segment for the year ended December 31, 2012 and 2011:
December 31, 2012: |
|  |  |  |  | Real Estate |  |  |  |  |  | Consumer |  |  |  |
|  | Commercial |  |  | Single-family |  |  | Multi-family |  |  | Commercial |  |  | Construction |  |  | 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 |  |  | (1,251 | ) |  |  | 180 |  |  |  | 700 |  |  |  | 1,412 |  |  |  | — |  |  |  | 78 |  |  |  | 10 |  |  |  | 1,129 |
Charge-offs |  |  | (99 | ) |  |  | (64 | ) |  |  | (796 | ) |  |  | (1,467 | ) |  |  | — |  |  |  | (126 | ) |  |  | (39 | ) |  |  | (2,591 | )
Recoveries |  |  | 380 |  |  |  | 9 |  |  |  | 22 |  |  |  | 138 |  |  |  | — |  |  |  | 17 |  |  |  | 23 |  |  |  | 589 |
Ending balance |  | $ | 1,311 |  |  | $ | 332 |  |  | $ | 1,396 |  |  | $ | 1,946 |  |  | $ | — |  |  | $ | 241 |  |  | $ | 11 |  |  | $ | 5,237 |
December 31, 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 |  |  | 1,481 |  |  |  | 83 |  |  |  | 2,108 |  |  |  | (406 | ) |  |  | (74 | ) |  |  | 183 |  |  |  | — |  |  |  | 3,375 |
Charge-offs |  |  | (1,296 | ) |  |  | (124 | ) |  |  | (3,167 | ) |  |  | (2,652 | ) |  |  | — |  |  |  | (241 | ) |  |  | (18 | ) |  |  | (7,498 | )
Recoveries |  |  | 214 |  |  |  | 7 |  |  |  | 9 |  |  |  | 202 |  |  |  | — |  |  |  | 27 |  |  |  | 13 |  |  |  | 472 |
Reclass of ALLL on loan-related commitments (1) |  |  | 3 |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 3 |
Ending balance |  | $ | 2,281 |  |  | $ | 207 |  |  | $ | 1,470 |  |  | $ | 1,863 |  |  | $ | — |  |  | $ | 272 |  |  | $ | 17 |  |  | $ | 6,110 |
(1) | Reclassified from (to) accrued interest payable and other liabilities in the consolidated balance sheet.
Activity in the ALLL was as follows:
|  | 2010 |
Beginning balance |  | $ | 7,090 |
Provision for loan losses |  |  | 8,468 |
Reclassification of ALLL on loan-related commitments (1) |  |  | 10 |
Loans charged-off |  |  | (6,165 | )
Recoveries |  |  | 355 |
Ending balance |  | $ | 9,758 |
(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 impairment method as of December 31, 2012:
|  |  |  |  | Real Estate |  |  |  |  |  | Consumer |  |  |  |
|  | Commercial |  |  | Single-family |  |  | Multi-family |  |  | Commercial |  |  | Construction |  |  | Home equity lines of credit |  |  | Other |  |  | Total |
ALLL: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Ending allowance balance attributable to loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Individually evaluated for impairment |  | $ | 609 |  |  | $ | 71 |  |  | $ | 24 |  |  | $ | 126 |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | 830 |
Collectively evaluated for impairment |  |  | 702 |  |  |  | 261 |  |  |  | 1,372 |  |  |  | 1,820 |  |  |  | — |  |  |  | 241 |  |  |  | 11 |  |  |  | 4,407 |
Total ending allowance balance |  | $ | 1,311 |  |  | $ | 332 |  |  | $ | 1,396 |  |  | $ | 1,946 |  |  | $ | — |  |  | $ | 241 |  |  | $ | 11 |  |  | $ | 5,237 |
Loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Individually evaluated for impairment |  | $ | 1,091 |  |  | $ | 129 |  |  | $ | 2,167 |  |  | $ | 6,467 |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | 9,854 |
Collectively evaluated for impairment |  |  | 24,317 |  |  |  | 42,929 |  |  |  | 19,409 |  |  |  | 47,824 |  |  |  | 14 |  |  |  | 12,963 |  |  |  | 970 |  |  |  | 148,426 |
Total ending loan balance |  | $ | 25,408 |  |  | $ | 43,058 |  |  | $ | 21,576 |  |  | $ | 54,291 |  |  | $ | 14 |  |  | $ | 12,963 |  |  | $ | 970 |  |  | $ | 158,280 |
The following table presents the balance in the ALLL and the recorded investment in loans by portfolio segment and based on 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 as of and for the year ended December 31, 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.
|  | Unpaid Principal Balance |  |  | Recorded Investment |  |  | ALLL Allocated |  |  | Average Recorded Investment |  |  | Interest Income Recognized |
With no related allowance recorded: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial |  | $ | 136 |  |  | $ | 121 |  |  | $ | — |  |  | $ | 503 |  |  | $ | — |
Real estate: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Single-family residential |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Multi-family residential |  |  | 2,001 |  |  |  | 1,879 |  |  |  | — |  |  |  | 2,223 |  |  |  | — |
Commercial: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Non-owner occupied |  |  | 3,000 |  |  |  | 2,195 |  |  |  | — |  |  |  | 1,819 |  |  |  | — |
Owner occupied |  |  | 2,195 |  |  |  | 1,244 |  |  |  | — |  |  |  | 1,258 |  |  |  | — |
Land |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Construction |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Consumer: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Home equity lines of credit: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Originated for portfolio |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Purchased for portfolio |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Other |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Total with no allowance recorded |  |  | 7,332 |  |  |  | 5,439 |  |  |  | — |  |  |  | 5,803 |  |  |  | — |
With an allowance recorded: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial |  |  | 970 |  |  |  | 970 |  |  |  | 609 |  |  |  | 658 |  |  |  | 5 |
Real estate: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Single-family residential |  |  | 129 |  |  |  | 129 |  |  |  | 71 |  |  |  | 129 |  |  |  | 2 |
Multi-family residential |  |  | 288 |  |  |  | 288 |  |  |  | 24 |  |  |  | 1,975 |  |  |  | 1 |
Commercial: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Non-owner occupied |  |  | 2,239 |  |  |  | 2,239 |  |  |  | 105 |  |  |  | 2,650 |  |  |  | 56 |
Owner occupied |  |  | 396 |  |  |  | 396 |  |  |  | 7 |  |  |  | 397 |  |  |  | 6 |
Land |  |  | 438 |  |  |  | 393 |  |  |  | 14 |  |  |  | 396 |  |  |  | 6 |
Construction |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Consumer: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Home equity lines of credit: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Originated for portfolio |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  |  |
Purchased for portfolio |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  |  |
Other |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  |  |
Total with an allowance recorded |  |  | 4,460 |  |  |  | 4,415 |  |  |  | 830 |  |  |  | 6,205 |  |  |  | 76 |
Total |  | $ | 11,792 |  |  | $ | 9,854 |  |  | $ | 830 |  |  | $ | 12,008 |  |  | $ | 76 |
The following table presents loans individually evaluated for impairment by class of loans as of December 31, 2011:
|  | Unpaid Principal Balance |  |  | Recorded Investment |  |  | ALLL Allocated |  |  | Average Recorded Investment |  |  | Interest Income Recognized |
With no related allowance recorded: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial |  | $ | 573 |  |  | $ | 47 |  |  | $ | — |  |  | $ | 1,171 |  |  | $ | — |
Real estate: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Single-family residential |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 23 |  |  |  | — |
Multi-family residential |  |  | 6,748 |  |  |  | 4,996 |  |  |  | — |  |  |  | 3,396 |  |  |  | — |
Commercial: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Non-owner occupied |  |  | 2,171 |  |  |  | 1,755 |  |  |  | — |  |  |  | 1,446 |  |  |  | — |
Owner occupied |  |  | 876 |  |  |  | 446 |  |  |  | — |  |  |  | 1,017 |  |  |  | — |
Land |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Consumer: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Home equity lines of credit: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Originated for portfolio |  |  | 135 |  |  |  | 135 |  |  |  | — |  |  |  | 136 |  |  |  | — |
Total with no allowance recorded |  |  | 10,503 |  |  |  | 7,379 |  |  |  | — |  |  |  | 7,189 |  |  |  | — |
With an allowance recorded: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial |  |  | 796 |  |  |  | 774 |  |  |  | 624 |  |  |  | 428 |  |  |  | 30 |
Real estate: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Multi-family residential |  |  | 94 |  |  |  | 94 |  |  |  | 11 |  |  |  | 48 |  |  |  | 3 |
Commercial: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Non-owner occupied |  |  | 2,823 |  |  |  | 2,823 |  |  |  | 210 |  |  |  | 1,322 |  |  |  | 85 |
Owner occupied |  |  | 411 |  |  |  | 411 |  |  |  | 20 |  |  |  | 211 |  |  |  | 43 |
Land |  |  | 766 |  |  |  | 650 |  |  |  | 32 |  |  |  | 681 |  |  |  | 42 |
Total with an allowance recorded |  |  | 4,890 |  |  |  | 4,752 |  |  |  | 897 |  |  |  | 2,690 |  |  |  | 203 |
Total |  | $ | 15,393 |  |  | $ | 12,131 |  |  | $ | 897 |  |  | $ | 9,879 |  |  | $ | 203 |
|  | 2010 |
Average of individually impaired loans during the year |  | $ | 11,722 |
Interest income recognized during impairment |  |  | 41 |
Recorded Investment in Nonaccrual Loans by Class of Loans | The following table presents the recorded investment in nonaccrual loans by class of loans as of December 31, 2012 and 2011:
|  | December 31, 2012 |  |  | December 31, 2011 |
Loans past due over 90 days still on accrual: |  |  |  |  |  |  |  |
Real estate: |  |  |  |  |  |  |  |
Commercial: |  | $ | — |  |  | $ | — |
Non-owner occupied |  |  | — |  |  |  | — |
Other consumer loans |  |  | — |  |  |  | — |
Total over 90 days still on accrual loans |  |  | — |  |  |  | — |
Nonaccrual loans: |  |  |  |  |  |  |  |
Commercial |  | $ | 714 |  |  | $ | 47 |
Real estate: |  |  |  |  |  |  |  |
Single-family residential |  |  | 113 |  |  |  | 736 |
Multi-family residential |  |  | 2,082 |  |  |  | 4,996 |
Commercial: |  |  |  |  |  |  |  |
Non-owner occupied |  |  | 2,195 |  |  |  | 1,910 |
Owner occupied |  |  | 1,243 |  |  |  | 446 |
Construction |  |  |  |  |  |  |  |
Consumer: |  |  |  |  |  |  |  |
Home equity lines of credit: |  |  |  |  |  |  |  |
Originated for portfolio |  |  | — |  |  |  | 157 |
Purchased for portfolio |  |  | 9 |  |  |  | 9 |
Other consumer |  |  | — |  |  |  | — |
Total nonaccrual loans |  |  | 6,356 |  |  |  | 8,301 |
Total nonaccrual and nonperforming loans |  | $ | 6,356 |  |  | $ | 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 December 31, 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 |  | $ | — |  |  | $ | 65 |  |  | $ | 121 |  |  | $ | 186 |  |  | $ | 25,222 |  |  | $ | 593 |
Real estate: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Single-family residential |  |  | 1,105 |  |  |  | 122 |  |  |  | 74 |  |  |  | 1,301 |  |  |  | 41,757 |  |  |  | 39 |
Multi-family residential |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 21,576 |  |  |  | 2,082 |
Commercial: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Non-owner occupied |  |  | 40 |  |  |  | — |  |  |  | 1,611 |  |  |  | 1,651 |  |  |  | 28,299 |  |  |  | 583 |
Owner occupied |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 19,774 |  |  |  | 1,244 |
Land |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 4,568 |  |  |  | — |
Construction |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 14 |  |  |  | — |
Consumer: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Home equity lines of credit: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Originated for portfolio |  |  | 20 |  |  |  | — |  |  |  | — |  |  |  | 20 |  |  |  | 10,699 |  |  |  | — |
Purchased for portfolio |  |  | — |  |  |  | — |  |  |  | 9 |  |  |  | 9 |  |  |  | 2,235 |  |  |  | — |
Other |  |  | 18 |  |  |  | — |  |  |  | — |  |  |  | 18 |  |  |  | 951 |  |  |  | — |
Total |  | $ | 1,183 |  |  | $ | 187 |  |  | $ | 1,815 |  |  | $ | 3,185 |  |  | $ | 155,095 |  |  | $ | 4,541 |
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 year ended December 31, 2012:
|  | Number of Loans |  |  | Pre-Modification Outstanding Recorded Investment |  |  | Post-Modification Outstanding Recorded Investment |
Commercial |  |  | 2 |  |  | $ | 319 |  |  | $ | 319 |
Real estate: |  |  |  |  |  |  |  |  |  |  |  |
Single-family residential |  |  | 1 |  |  |  | 132 |  |  |  | 138 |
Multi-family residential |  |  | 1 |  |  |  | 2,017 |  |  |  | 203 |
Commercial: |  |  |  |  |  |  |  |  |  |  |  |
Non-owner occupied |  |  | 1 |  |  |  | 478 |  |  |  | 428 |
Total |  |  | 5 |  |  | $ | 2,946 |  |  | $ | 1,088 |
The following table presents loans modified as TDRs by class of loans during the year ended December 31, 2011:
|  | Number of Loans |  |  | Pre-Modification Outstanding Recorded Investment |  |  | Post-Modification Outstanding Recorded Investment |
TDR’s: |  |  |  |  |  |  |  |  |  |  |  |
Commercial |  |  | 4 |  |  | $ | 1,127 |  |  | $ | 1,105 |
Real estate: |  |  |  |  |  |  |  |  |  |  |  |
Multi-family residential |  |  | 2 |  |  |  | 2,507 |  |  |  | 2,051 |
Commercial: |  |  |  |  |  |  |  |  |  |  |  |
Non-owner occupied |  |  | 5 |  |  |  | 2,710 |  |  |  | 2,710 |
Owner occupied |  |  | 3 |  |  |  | 1,355 |  |  |  | 1,355 |
Land |  |  | 7 |  |  |  | 655 |  |  |  | 655 |
Total |  |  | 21 |  |  | $ | 8,354 |  |  | $ | 7,876 |
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 December 31, 2012 and 2011, nonaccrual troubled debt restructurings were as follows:
|  | 2012 |  |  | 2011 |
Commercial |  | $ | 528 |  |  | $ | 47 |
Real estate: |  |  |  |  |  |  |  |
Single-family residential |  |  | — |  |  |  |  |
Multi-family residential |  |  | 2,082 |  |  |  | 2,527 |
Commercial: |  |  |  |  |  |  |  |
Non-owner occupied |  |  | 388 |  |  |  | — |
Owner occupied |  |  | 288 |  |  |  | 446 |
Total |  | $ | 3,286 |  |  |  | 3,020 |
Financing Receivable Credit Quality Indicators | The recorded investment in loans by risk category and by class of loans as of December 31, 2012 and based on the most recent analysis performed follows.
|  | Not Rated |  |  | Pass |  |  | Special Mention |  |  | Substandard |  |  | Total |
Commercial |  | $ | 285 |  |  | $ | 21,013 |  |  | $ | 2,637 |  |  | $ | 1,473 |  |  | $ | 25,408 |
Real estate: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Single-family residential |  |  | 42,945 |  |  |  | — |  |  |  | — |  |  |  | 113 |  |  |  | 43,058 |
Multi-family residential |  |  | — |  |  |  | 12,846 |  |  |  | 5,790 |  |  |  | 2,939 |  |  |  | 21,575 |
Commercial: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Non-owner occupied |  |  | 322 |  |  |  | 21,147 |  |  |  | 2,995 |  |  |  | 5,486 |  |  |  | 29,950 |
Owner occupied |  |  | — |  |  |  | 16,385 |  |  |  | 762 |  |  |  | 2,627 |  |  |  | 19,774 |
Land |  |  | 119 |  |  |  | 987 |  |  |  | 434 |  |  |  | 3,028 |  |  |  | 4,568 |
Construction |  |  | — |  |  |  | 14 |  |  |  | — |  |  |  | — |  |  |  | 14 |
Consumer: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Home equity lines of credit: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Originated for portfolio |  |  | 10,719 |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 10,719 |
Purchased for portfolio |  |  | 1,800 |  |  |  | — |  |  |  | 435 |  |  |  | 9 |  |  |  | 2,244 |
Other |  |  | 970 |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 970 |
|  | $ | 57,160 |  |  | $ | 72,392 |  |  | $ | 13,053 |  |  | $ | 15,675 |  |  | $ | 158,280 |
The recorded investment in loans by risk category and 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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- Definition Tabular disclosure of troubled debt restructurings in the periods following the restructuring, including: (1) a description of the portion of the recorded [restructured] debt which is contingently payable based on the occurrence of future events or circumstances; (2) the dollar amount of the portion of the recorded [restructured] debt which is contingently payable based on the occurrence of future events or circumstances; and (3) a description of the circumstance, events, or conditions that would cause payments to occur or the creditor to forgive the contingent portion of recorded debt. + References Reference 1: http://www.xbrl.org/2003/role/presentationRef -Publisher FASB -Name Accounting Standards Codification -Topic 470 -SubTopic 60 -Section 50 -Paragraph 2 -URI http://asc.fasb.org/extlink&oid=6402221&loc=d3e15765-112638 Reference 2: http://www.xbrl.org/2003/role/presentationRef -Publisher FASB -Name Statement of Financial Accounting Standard (FAS) -Number 15 -Paragraph 26 -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009. This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy. + Details
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