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Loans (Tables) | 9 Months Ended
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Sep. 30, 2014
Loans [Abstract] |
Recorded investment in loans by portfolio segment |
| September 30, |  | December 31,
| 2014 |  | 2013
Commercial | $ | 49,773 |  | $ | 37,526
Real estate: |  |  |  |  |
Single-family residential |  | 40,477 |  |  | 32,219
Multi-family residential |  | 29,881 |  |  | 32,197
Commercial |  | 94,314 |  |  | 83,752
Construction |  | 20,259 |  |  | 11,465
Consumer: |  |  |  |  |
Home equity lines of credit |  | 16,466 |  |  | 14,851
Other |  | 3,254 |  |  | 860
Subtotal |  | 254,424 |  |  | 212,870
Less: ALLL |  | (6,256) |  |  | (5,729)
Loans, net | $ | 248,168 |  | $ | 207,141
Activity in ALLL by portfolio segment | The following table presents the activity in the ALLL by portfolio segment for the three and nine months ended September 30, 2014:
| Three months ended September 30, 2014
|  |  |  | Real Estate |  |  |  |  | Consumer |  |  |
| Commercial |  | Single-family |  | Multi-family |  | Commercial |  | Construction |  | Home Equity lines of credit |  | Other |  | Total
Beginning balance | $ | 1,605 |  | $ | 196 |  | $ | 1,211 |  | $ | 2,231 |  | $ | 474 |  | $ | 113 |  | $ | 41 |  | $ | 5,871
Addition to (reduction in) provision for loan losses |  | 174 |  |  | 179 |  |  | (147) |  |  | (88) |  |  | (103) |  |  | 49 |  |  | 11 |  |  | 75
Charge-offs |  | (18) |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | (18)
Recoveries |  | - |  |  | 1 |  |  | - |  |  | 320 |  |  | - |  |  | 7 |  |  | - |  |  | 328
Ending balance | $ | 1,761 |  | $ | 376 |  | $ | 1,064 |  | $ | 2,463 |  | $ | 371 |  | $ | 169 |  | $ | 52 |  | $ | 6,256
| Nine months ended September 30, 2014
|  |  |  | Real Estate |  |  |  |  | Consumer |  |  |
| Commercial |  | Single-family |  | Multi-family |  | Commercial |  | Construction |  | Home Equity lines of credit |  | Other |  | Total
Beginning balance | $ | 1,759 |  | $ | 120 |  | $ | 1,262 |  | $ | 2,325 |  | $ | 119 |  | $ | 139 |  | $ | 5 |  | $ | 5,729
Addition to (reduction in) provision for loan losses |  | 17 |  |  | 254 |  |  | (198) |  |  | (188) |  |  | 252 |  |  | 21 |  |  | 45 |  |  | 203
Charge-offs |  | (18) |  |  | - |  |  | - |  |  | (2) |  |  | - |  |  | (9) |  |  | - |  |  | (29)
Recoveries |  | 3 |  |  | 2 |  |  | - |  |  | 328 |  |  | - |  |  | 18 |  |  | 2 |  |  | 353
Ending balance | $ | 1,761 |  | $ | 376 |  | $ | 1,064 |  | $ | 2,463 |  | $ | 371 |  | $ | 169 |  | $ | 52 |  | $ | 6,256
The following table presents the activity in the ALLL by portfolio segment for the three and nine months ended September 30, 2013:
| Three months ended September 30, 2013
|  |  |  | Real Estate |  |  |  |  | Consumer |  |  |
| Commercial |  | Single-family |  | Multi-family |  | Commercial |  | Construction |  | Home Equity lines of credit |  | Other |  | Total
Beginning balance | $ | 1,449 |  | $ | 368 |  | $ | 1,730 |  | $ | 2,157 |  | $ | 19 |  | $ | 331 |  | $ | 11 |  | $ | 6,065
Addition to (reduction in) provision for loan losses |  | 159 |  |  | (93) |  |  | 19 |  |  | 44 |  |  | 62 |  |  | (113) |  |  | (2) |  |  | 76
Charge-offs |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | -
Recoveries |  | 9 |  |  | 1 |  |  | 1 |  |  | 4 |  |  | - |  |  | 13 |  |  | 2 |  |  | 30
Ending balance | $ | 1,617 |  | $ | 276 |  | $ | 1,750 |  | $ | 2,205 |  | $ | 81 |  | $ | 231 |  | $ | 11 |  | $ | 6,171
| Nine months ended September 30, 2013
|  |  |  | Real Estate |  |  |  |  | Consumer |  |  |
| Commercial |  | Single-family |  | Multi-family |  | Commercial |  | Construction |  | Home Equity 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 |  | 271 |  |  | (59) |  |  | 267 |  |  | 197 |  |  | 81 |  |  | (11) |  |  | (20) |  |  | 726
Charge-offs |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | (17) |  |  | - |  |  | (17)
Recoveries |  | 35 |  |  | 3 |  |  | 87 |  |  | 62 |  |  | - |  |  | 18 |  |  | 20 |  |  | 225
Ending balance | $ | 1,617 |  | $ | 276 |  | $ | 1,750 |  | $ | 2,205 |  | $ | 81 |  | $ | 231 |  | $ | 11 |  | $ | 6,171
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, 2014:
|  |  |  |  | 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 |  | $ | 410 |  | $ | 1 |  | $ | 305 |  | $ | 102 |  | $ | - |  | $ | - |  | $ | - |  | $ | 818 |
Collectively evaluated for impairment |  |  | 1,351 |  |  | 375 |  |  | 759 |  |  | 2,361 |  |  | 371 |  |  | 169 |  |  | 52 |  |  | 5,438 |
Total ending allowance balance |  | $ | 1,761 |  | $ | 376 |  | $ | 1,064 |  | $ | 2,463 |  | $ | 371 |  | $ | 169 |  | $ | 52 |  | $ | 6,256 |
Loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Individually evaluated for impairment |  | $ | 865 |  | $ | 302 |  | $ | 1,658 |  | $ | 3,609 |  | $ | - |  | $ | - |  | $ | - |  | $ | 6,434 |
Collectively evaluated for impairment |  |  | 48,908 |  |  | 40,175 |  |  | 28,223 |  |  | 90,705 |  |  | 20,259 |  |  | 16,466 |  |  | 3,254 |  |  | 247,990 |
Total ending loan balance |  | $ | 49,773 |  | $ | 40,477 |  | $ | 29,881 |  | $ | 94,314 |  | $ | 20,259 |  | $ | 16,466 |  | $ | 3,254 |  | $ | 254,424 |
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, 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
Individually evaluated for impairment by class of loans | The following table presents loans individually evaluated for impairment by class of loans at September 30, 2014. 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, 2014. Cash payments of interest during the three and nine months ended September 30, 2014 totaled $52 and $157.
|  |  |  |  |  |  |  |  |  | Three months ended |  | Nine months ended
| As of September 30, 2014 |  | September 30, 2014 |  | September 30, 2014
| 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 | $ | 135 |  | $ | 121 |  | $ | - |  | $ | 121 |  | $ | - |  | $ | 121 |  | $ | -
Real estate: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Single-family residential |  | 339 |  |  | 177 |  |  | - |  |  | 178 |  |  | - |  |  | 181 |  |  | -
Multi-family residential |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | -
Commercial: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Non-owner occupied |  | 590 |  |  | 490 |  |  | - |  |  | 495 |  |  | - |  |  | 508 |  |  | -
Owner occupied |  | 718 |  |  | 197 |  |  | - |  |  | 201 |  |  | - |  |  | 215 |  |  | -
Land |  | 177 |  |  | 151 |  |  | - |  |  | 152 |  |  | 2 |  |  | - |  |  | 7
Total with no allowance recorded |  | 1,959 |  |  | 1,136 |  |  | - |  |  | 1,147 |  |  | 2 |  |  | 1,025 |  |  | 7
With an allowance recorded: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial |  | 744 |  |  | 744 |  |  | 410 |  |  | 750 |  |  | 6 |  |  | 783 |  |  | 17
Real estate: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Single-family residential |  | 125 |  |  | 125 |  |  | 1 |  |  | 125 |  |  | 2 |  |  | 125 |  |  | 5
Multi-family residential |  | 1,658 |  |  | 1,658 |  |  | 305 |  |  | 1,670 |  |  | - |  |  | 1,703 |  |  | 3
Commercial: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Non-owner occupied |  | 2,087 |  |  | 2,087 |  |  | 57 |  |  | 2,092 |  |  | 33 |  |  | 2,107 |  |  | 100
Owner occupied |  | 385 |  |  | 385 |  |  | 10 |  |  | 386 |  |  | 6 |  |  | 390 |  |  | 16
Land |  | 318 |  |  | 299 |  |  | 35 |  |  | 300 |  |  | 3 |  |  | 593 |  |  | 8
Total with an allowance recorded |  | 5,317 |  |  | 5,298 |  |  | 818 |  |  | 5,323 |  |  | 50 |  |  | 5,701 |  |  | 149
Total | $ | 7,276 |  | $ | 6,434 |  | $ | 818 |  | $ | 6,470 |  | $ | 52 |  | $ | 6,726 |  | $ | 156
The following table presents loans individually evaluated for impairment by class of loans at December 31, 2013. 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, 2013. Cash payments of interest during the three and nine months ended September 30, 2013 totaled $54 and $169, respectively.
|  |  | Three months ended |  | Nine months ended
| As of December 31, 2013 |  | September 30, 2013 |  | September 30, 2013
| 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 | $ | 135 |  | $ | 120 |  | $ | - |  | $ | 248 |  | $ | - |  | $ | 297 |  | $ | -
Real estate: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Single-family residential |  | 352 |  |  | 191 |  |  | - |  |  | - |  |  | - |  |  | - |  |  | -
Multi-family residential |  | - |  |  | - |  |  | - |  |  | 178 |  |  | - |  |  | 187 |  |  | -
Commercial: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Non-owner occupied |  | 2,022 |  |  | 1,453 |  |  | - |  |  | 1,496 |  |  | - |  |  | 1,905 |  |  | -
Owner occupied |  | 2,021 |  |  | 1,070 |  |  | - |  |  | 1,370 |  |  | - |  |  | 1,418 |  |  | -
Land |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | -
Total with no allowance recorded |  | 4,530 |  |  | 2,834 |  |  | - |  |  | 3,292 |  |  | - |  |  | 3,807 |  |  | -
With an allowance recorded: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial |  | 872 |  |  | 872 |  |  | 532 |  |  | 793 |  |  | 7 |  |  | 831 |  |  | 20
Real estate: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Single-family residential |  | 126 |  |  | 126 |  |  | - |  |  | 477 |  |  | 2 |  |  | 478 |  |  | 6
Multi-family residential |  | 1,759 |  |  | 1,759 |  |  | 402 |  |  | 1,866 |  |  | 1 |  |  | 1,903 |  |  | 3
Commercial: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Non-owner occupied |  | 2,158 |  |  | 2,158 |  |  | 46 |  |  | 2,177 |  |  | 35 |  |  | 2,199 |  |  | 104
Owner occupied |  | 397 |  |  | 397 |  |  | 7 |  |  | 162 |  |  | 6 |  |  | 163 |  |  | 18
Land |  | 812 |  |  | 767 |  |  | 138 |  |  | 368 |  |  | 5 |  |  | 377 |  |  | 17
Total with an allowance recorded |  | 6,124 |  |  | 6,079 |  |  | 1,125 |  |  | 5,843 |  |  | 56 |  |  | 5,951 |  |  | 168
Total | $ | 10,654 |  | $ | 8,913 |  | $ | 1,125 |  | $ | 9,135 |  | $ | 56 |  | $ | 9,758 |  | $ | 168
Recorded investment in nonaccrual loans by class of loans |
| September 30, 2014 |  | December 31, 2013
Loans past due over 90 days still on accrual: |  |  |  |  |
Real estate: |  |  |  |  |
Commercial: |  |  |  |  |
Non-owner occupied | $ | 187 |  | $ | -
Total over 90 days still on accrual loans |  | 187 |  |  | -
Nonaccrual loans: |  |  |  |  |
Commercial |  | 506 |  |  | 563
Real estate: |  |  |  |  |
Single-family residential |  | 570 |  |  | 479
Multi-family residential |  | 1,604 |  |  | 1,701
Commercial: |  |  |  |  |
Non-owner occupied |  | 490 |  |  | 1,453
Owner occupied |  | 197 |  |  | 1,070
Land |  | 128 |  |  | 420
Consumer: |  |  |  |  |
Home equity lines of credit: |  |  |  |  |
Originated for portfolio |  | 51 |  |  | 52
Total nonaccrual |  | 3,546 |  |  | 5,738
Total nonaccrual and nonperforming loans | $ | 3,733 |  | $ | 5,738
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, 2014:
| 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 |  | $ | 49,652 |  | $ | 385
Real estate: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Single-family residential |  | 1,161 |  |  | 13 |  |  | 299 |  |  | 1,473 |  |  | 39,004 |  |  | 271
Multi-family residential |  | - |  |  | - |  |  | - |  |  | - |  |  | 29,881 |  |  | 1,604
Commercial: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Non-owner occupied |  | 379 |  |  | - |  |  | 187 |  |  | 566 |  |  | 51,041 |  |  | 490
Owner occupied |  | - |  |  | - |  |  | - |  |  | - |  |  | 37,192 |  |  | 197
Land |  | - |  |  | - |  |  | 128 |  |  | 128 |  |  | 5,387 |  |  | -
Construction |  | - |  |  | - |  |  | - |  |  | - |  |  | 20,259 |  |  | -
Consumer: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Home equity lines of credit: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Originated for portfolio |  | 51 |  |  | - |  |  | - |  |  | 51 |  |  | 14,856 |  |  | 51
Purchased for portfolio |  | - |  |  | 120 |  |  | - |  |  | 120 |  |  | 1,439 |  |  | -
Other |  | 42 |  |  | - |  |  | - |  |  | 42 |  |  | 3,212 |  |  | -
Total | $ | 1,633 |  | $ | 133 |  | $ | 735 |  | $ | 2,501 |  | $ | 251,923 |  | $ | 2,998
The following table presents the aging of the recorded investment in past due loans by class of loans as of December 31, 2013:
| 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
Schedule of Debtor Troubled Debt Restructuring, Subsequent Periods |
| September 30, 2014 |  | December 31, 2013
Commercial | $ | 385 |  | $ | 442
Real estate: |  |  |  |  |
Single-family residential |  | 177 |  |  | 190
Multi-family residential |  | 1,604 |  |  | 1,701
Commercial: |  |  |  |  |
Non-owner occupied |  | - |  |  | -
Owner occupied |  | 197 |  |  | 238
Total | $ | 2,363 |  | $ | 2,571
Financing Receivable Credit Quality Indicators | The recorded investment in loans by risk category and by class of loans as of September 30, 2014 and based on the most recent analysis performed follows. There were no loans rated doubtful at September 30, 2014.
| Not Rated |  | Pass |  | Special Mention |  | Substandard |  | Total
Commercial | $ | 160 |  | $ | 48,458 |  | $ | 473 |  | $ | 682 |  | $ | 49,773
Real estate: |  |  |  |  |  |  |  |  |  |  |  |  |  |
Single-family residential |  | 39,862 |  |  | - |  |  | - |  |  | 615 |  |  | 40,477
Multi-family residential |  | - |  |  | 27,469 |  |  | - |  |  | 2,412 |  |  | 29,881
Commercial: |  |  |  |  |  |  |  |  |  |  |  |  |  |
Non-owner occupied |  | 143 |  |  | 46,043 |  |  | 120 |  |  | 5,301 |  |  | 51,607
Owner occupied |  | - |  |  | 34,620 |  |  | 1,530 |  |  | 1,042 |  |  | 37,192
Land |  | 79 |  |  | 2,502 |  |  | - |  |  | 2,934 |  |  | 5,515
Construction |  | 8,760 |  |  | 11,499 |  |  | - |  |  | - |  |  | 20,259
Consumer: |  |  |  |  |  |  |  |  |  |  |  |  |  |
Home equity lines of credit: |  |  |  |  |  |  |  |  |  |  |  |  |  |
Originated for portfolio |  | 14,756 |  |  | - |  |  | - |  |  | 151 |  |  | 14,907
Purchased for portfolio |  | 1,078 |  |  | - |  |  | 317 |  |  | 164 |  |  | 1,559
Other |  | 3,254 |  |  | - |  |  | - |  |  | - |  |  | 3,254
| $ | 68,092 |  | $ | 170,591 |  | $ | 2,440 |  | $ | 13,301 |  | $ | 254,424
The recorded investment in loans by risk category and by class of loans as of December 31, 2013 follows. There were no loans rated doubtful at December 31, 2013.
| 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

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