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Loans (Tables) | 12 Months Ended
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Dec. 31, 2013
Loans [Abstract] |
Schedule Of Loan Portfolio Segments |
| December 31, |  | December 31,
| 2013 |  | 2012
Commercial | $ | 37,526 |  | $ | 25,408
Real estate: |  |  |  |  |
Single-family residential |  | 32,219 |  |  | 43,058
Multi-family residential |  | 32,197 |  |  | 21,576
Commercial |  | 83,752 |  |  | 54,291
Construction |  | 11,465 |  |  | 14
Consumer: |  |  |  |  |
Home equity lines of credit |  | 14,851 |  |  | 12,963
Other |  | 860 |  |  | 970
Subtotal |  | 212,870 |  |  | 158,280
Less: ALLL |  | (5,729) |  |  | (5,237)
Loans, net | $ | 207,141 |  | $ | 153,043
Activity in ALLL by portfolio segment |
| December 31, 2013
|  |  |  | Real Estate |  |  |  |  | Consumer |  |  |
|  |  | Single- |  | Multi- |  |  |  |  |  | Home Equity |  |  |  |
| Commercial |  | family |  | family |  | Commercial |  | Construction |  | lines of credit |  | Other |  | Total
Beginning balance | $ | 1,311 |  | $ | 332 |  | $ | 1,396 |  | $ | 1,946 |  | $ | - |  | $ | 241 |  | $ | 11 |  | $ | 5,237
Addition to (reduction in) provision for loan losses |  | 407 |  |  | (51) |  |  | (163) |  |  | 319 |  |  | 119 |  |  | (114) |  |  | (21) |  |  | 496
Charge-offs |  | - |  |  | (164) |  |  | (59) |  |  | (6) |  |  | - |  |  | (17) |  |  | (6) |  |  | (252)
Recoveries |  | 41 |  |  | 3 |  |  | 88 |  |  | 66 |  |  | - |  |  | 29 |  |  | 21 |  |  | 248
Ending balance | $ | 1,759 |  | $ | 120 |  | $ | 1,262 |  | $ | 2,325 |  | $ | 119 |  | $ | 139 |  | $ | 5 |  | $ | 5,729
| December 31, 2012
|  |  |  | Real Estate |  |  |  |  | Consumer |  |  |
|  |  | Single- |  | Multi- |  |  |  |  |  | Home Equity |  |  |  |
| Commercial |  | family |  | family |  | Commercial |  | Construction |  | 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 |  |  |  |
|  |  |  | Single- |  | Multi- |  |  |  |  |  | Home Equity |  |  |  |  |
|  | Commercial |  | family |  | family |  | Commercial |  | Construction |  | 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 |
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, 2013:
|  |  |  |  | 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 |  | $ | 532 |  | $ | - |  | $ | 402 |  | $ | 191 |  | $ | - |  | $ | - |  | $ | - |  | $ | 1,125 |
Collectively evaluated for impairment |  |  | 1,227 |  |  | 120 |  |  | 860 |  |  | 2,134 |  |  | 119 |  |  | 139 |  |  | 5 |  |  | 4,604 |
Total ending allowance balance |  | $ | 1,759 |  | $ | 120 |  | $ | 1,262 |  | $ | 2,325 |  | $ | 119 |  | $ | 139 |  | $ | 5 |  | $ | 5,729 |
Loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Individually evaluated for impairment |  | $ | 992 |  | $ | 317 |  | $ | 1,759 |  | $ | 5,845 |  | $ | - |  | $ | - |  | $ | - |  | $ | 8,913 |
Collectively evaluated for impairment |  |  | 36,534 |  |  | 31,902 |  |  | 30,438 |  |  | 77,907 |  |  | 11,465 |  |  | 14,851 |  |  | 860 |  |  | 203,957 |
Total ending loan balance |  | $ | 37,526 |  | $ | 32,219 |  | $ | 32,197 |  | $ | 83,752 |  | $ | 11,465 |  | $ | 14,851 |  | $ | 860 |  | $ | 212,870 |
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
Individually evaluated for impairment by class of loans |
| Unpaid Principal Balance |  | Recorded Investment |  | ALLL Allocated |  | Average Recorded Investment |  | Interest Income Recognized
With no related allowance recorded: |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial | $ | 135 |  | $ | 120 |  | $ | - |  | $ | 292 |  | $ | -
Real estate: |  |  |  |  |  |  |  |  |  |  |  |  |  |
Single-family residential |  | 352 |  |  | 191 |  |  | - |  |  | - |  |  | -
Multi-family residential |  | - |  |  | - |  |  | - |  |  | 185 |  |  | -
Commercial: |  |  |  |  |  |  |  |  |  |  |  |  |  |
Non-owner occupied |  | 2,022 |  |  | 1,453 |  |  | - |  |  | 1,895 |  |  | -
Owner occupied |  | 2,021 |  |  | 1,070 |  |  | - |  |  | 1,392 |  |  | -
Land |  | - |  |  | - |  |  | - |  |  | 423 |  |  | -
Construction |  | - |  |  | - |  |  | - |  |  | - |  |  | -
Consumer: |  |  |  |  |  |  |  |  |  |  |  |  |  |
Home equity lines of credit: |  |  |  |  |  |  |  |  |  |  |  |  |  |
Originated for portfolio |  | - |  |  | - |  |  | - |  |  | - |  |  | -
Purchased for portfolio |  | - |  |  | - |  |  | - |  |  | - |  |  | -
Other |  | - |  |  | - |  |  | - |  |  | - |  |  | -
Total with no allowance recorded |  | 4,530 |  |  | 2,834 |  |  | - |  |  | 4,187 |  |  | -
With an allowance recorded: |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial |  | 872 |  |  | 872 |  |  | 532 |  |  | 815 |  |  | 26
Real estate: |  |  |  |  |  |  |  |  |  |  |  |  |  |
Single-family residential |  | 126 |  |  | 126 |  |  | - |  |  | 454 |  |  | 8
Multi-family residential |  | 1,759 |  |  | 1,759 |  |  | 402 |  |  | 1,880 |  |  | 4
Commercial: |  |  |  |  |  |  |  |  |  |  |  |  |  |
Non-owner occupied |  | 2,158 |  |  | 2,158 |  |  | 46 |  |  | 2,191 |  |  | 139
Owner occupied |  | 397 |  |  | 397 |  |  | 7 |  |  | 162 |  |  | 24
Land |  | 812 |  |  | 767 |  |  | 138 |  |  | 370 |  |  | 22
Construction |  |  |  |  |  |  |  |  |  |  |  |  |  |
Consumer: |  |  |  |  |  |  |  |  |  |  |  |  |  |
Home equity lines of credit: |  |  |  |  |  |  |  |  |  |  |  |  |  |
Originated for portfolio |  | - |  |  | - |  |  | - |  |  | - |  |  |
Purchased for portfolio |  | - |  |  | - |  |  | - |  |  | - |  |  |
Other |  | - |  |  | - |  |  | - |  |  | - |  |  |
Total with an allowance recorded |  | 6,124 |  |  | 6,079 |  |  | 1,125 |  |  | 5,872 |  |  | 223
Total | $ | 10,654 |  | $ | 8,913 |  | $ | 1,125 |  | $ | 10,059 |  | $ | 223
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 |  | - |  |  | - |  |  | - |  |  | - |  |  | -
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
Consumer: |  |  |  |  |  |  |  |  |  |  |  |  |  |
Home equity lines of credit: |  |  |  |  |  |  |  |  |  |  |  |  |  |
Originated for portfolio |  | - |  |  | - |  |  | - |  |  | - |  |  |
Purchased for portfolio |  | - |  |  | - |  |  | - |  |  | - |  |  |
Total with an allowance recorded |  | 4,460 |  |  | 4,415 |  |  | 830 |  |  | 6,205 |  |  | 76
Total | $ | 11,792 |  | $ | 9,854 |  | $ | 830 |  | $ | 12,008 |  | $ | 76
Recorded investment in nonaccrual loans by class of loans |
| December 31, |  | December 31,
| 2013 |  | 2012
Nonaccrual loans: |  |  |  |  |
Commercial | $ | 563 |  | $ | 714
Real estate: |  |  |  |  |
Single-family residential |  | 479 |  |  | 113
Multi-family residential |  | 1,701 |  |  | 2,082
Commercial: |  |  |  |  |
Non-owner occupied |  | 1,453 |  |  | 2,195
Owner occupied |  | 1,070 |  |  | 1,243
Land |  | 420 |  |  | -
Consumer: |  |  |  |  |
Home equity lines of credit: |  |  |  |  |
Originated for portfolio |  | 52 |  |  | -
Purchased for portfolio |  | - |  |  | 9
Total nonaccrual and nonperforming loans | $ | 5,738 |  | $ | 6,356
Aging of recorded investment in past due loans by class of loans |
| 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 | $ | - |  | $ | - |  | $ | 121 |  | $ | 121 |  | $ | 37,405 |  | $ | 442
Real estate: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Single-family residential |  | 352 |  |  | 268 |  |  | 247 |  |  | 867 |  |  | 31,352 |  |  | 232
Multi-family residential |  | - |  |  | - |  |  | - |  |  | - |  |  | 32,197 |  |  | 1,701
Commercial: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Non-owner occupied |  | - |  |  | - |  |  | 923 |  |  | 923 |  |  | 42,199 |  |  | 530
Owner occupied |  | - |  |  | - |  |  | - |  |  | - |  |  | 35,202 |  |  | 1,070
Land |  | - |  |  | - |  |  | 420 |  |  | 420 |  |  | 5,008 |  |  | -
Construction |  | - |  |  | - |  |  | - |  |  | - |  |  | 11,465 |  |  | -
Consumer: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Home equity lines of credit: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Originated for portfolio |  | 52 |  |  | - |  |  | - |  |  | 52 |  |  | 12,930 |  |  | 52
Purchased for portfolio |  | 123 |  |  | - |  |  | - |  |  | 123 |  |  | 1,746 |  |  | -
Other |  | 2 |  |  | 11 |  |  | - |  |  | 13 |  |  | 847 |  |  | -
Total | $ | 529 |  | $ | 279 |  | $ | 1,711 |  | $ | 2,519 |  | $ | 210,351 |  | $ | 4,027
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
Loans modified as TDRs by class of loans |
| Number of Loans |  | Pre-Modification Outstanding Recorded Investment |  | Post-Modification Outstanding Recorded Investment
Commercial |  | 1 |  | $ | 126 |  | $ | 126
Real estate: |  |  |  |  |  |  |  |
Single-family residential |  | 1 |  |  | 346 |  |  | 350
Multi-family residential |  | 1 |  |  | 1,760 |  |  | 1,701
Commercial: |  |  |  |  |  |  |  |
Non-owner occupied |  | - |  |  | - |  |  | -
Owner occupied |  | 1 |  |  | 237 |  |  | 239
Land |  | - |  |  | - |  |  | -
Construction |  | - |  |  | - |  |  | -
Consumer: |  |  |  |  |  |  |  |
Home equity lines of credit: |  |  |  |  |  |  |  |
Originated for portfolio |  | - |  |  | - |  |  | -
Purchased for portfolio |  | - |  |  | - |  |  | -
Other |  | - |  |  | - |  |  | -
|  | 4 |  | $ | 2,469 |  | $ | 2,416
The TDRs described above resulted in charge-offs of $220 during the year ended December 31, 2013. 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
Owner occupied |  | - |  |  | - |  |  | -
Land |  | - |  |  | - |  |  | -
Construction |  | - |  |  | - |  |  | -
Consumer: |  |  |  |  |  |  |  |
Home equity lines of credit: |  |  |  |  |  |  |  |
Originated for portfolio |  | - |  |  | - |  |  | -
Purchased for portfolio |  | - |  |  | - |  |  | -
Other |  | - |  |  | - |  |  | -
|  | 5 |  | $ | 2,946 |  | $ | 1,088
Schedule of Debtor Troubled Debt Restructuring, Subsequent Periods |
| 2013 |  | 2012
Commercial | $ | 442 |  | $ | 528
Real estate: |  |  |  |  |
Single-family residential |  | 190 |  |  | -
Multi-family residential |  | 1,701 |  |  | 2,082
Commercial: |  |  |  |  |
Non-owner occupied |  | - |  |  | 388
Owner occupied |  | 238 |  |  | 288
Total | $ | 2,571 |  | $ | 3,286
Financing Receivable Credit Quality Indicators |
| Not Rated |  | Pass |  | Special Mention |  | Substandard |  | Total
Commercial | $ | 228 |  | $ | 35,424 |  | $ | 921 |  | $ | 953 |  | $ | 37,526
Real estate: |  |  |  |  |  |  |  |  |  |  |  |  |  |
Single-family residential |  | 31,685 |  |  | - |  |  | - |  |  | 534 |  |  | 32,219
Multi-family residential |  | - |  |  | 29,667 |  |  | - |  |  | 2,530 |  |  | 32,197
Commercial: |  |  |  |  |  |  |  |  |  |  |  |  |  |
Non-owner occupied |  | 3,170 |  |  | 34,834 |  |  | 556 |  |  | 4,561 |  |  | 43,121
Owner occupied |  | - |  |  | 31,489 |  |  | 1,045 |  |  | 2,669 |  |  | 35,203
Land |  | 87 |  |  | 2,023 |  |  | - |  |  | 3,318 |  |  | 5,428
Construction |  | 2,115 |  |  | 9,350 |  |  | - |  |  | - |  |  | 11,465
Consumer: |  |  |  |  |  |  |  |  |  |  |  |  |  |
Home equity lines of credit: |  |  |  |  |  |  |  |  |  |  |  |  |  |
Originated for portfolio |  | 12,828 |  |  | - |  |  | - |  |  | 154 |  |  | 12,982
Purchased for portfolio |  | 1,285 |  |  | - |  |  | 414 |  |  | 170 |  |  | 1,869
Other |  | 860 |  |  | - |  |  | - |  |  | - |  |  | 860
| $ | 52,258 |  | $ | 142,787 |  | $ | 2,936 |  | $ | 14,889 |  | $ | 212,870
The recorded investment in loans by risk category and class of loans as of December 31, 2012 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

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