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LOANS AND ALLOWANCE FOR LOAN LOSSES (Tables) | 12 Months Ended
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Dec. 31, 2012
Loans | The following table provides the components of the Company’s recorded investment in loans for each portfolio segment at December 31, 2012 and 2011:
|  | Residential Real Estate |  |  | Land |  |  | Construction |  |  | Commercial Real Estate |  |  | Commercial Business |  |  | Home Equity and Second Mortgage |  |  | Other Consumer |  |  | Total |
|  | (In thousands) |
December 31, 2012: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Principal loan balance |  | $ | 108,097 |  |  | $ | 9,607 |  |  | $ | 11,746 |  |  | $ | 68,731 |  |  | $ | 18,612 |  |  | $ | 36,962 |  |  | $ | 31,186 |  |  | $ | 284,941 |
Accrued interest receivable |  |  | 444 |  |  |  | 48 |  |  |  | 29 |  |  |  | 188 |  |  |  | 53 |  |  |  | 147 |  |  |  | 184 |  |  |  | 1,093 |
Net deferred loan origination fees and costs |  |  | 62 |  |  |  | 2 |  |  |  | (12 | ) |  |  | (17 | ) |  |  | (10 | ) |  |  | 177 |  |  |  | 0 |  |  |  | 202 |
Recorded investment in loans |  | $ | 108,603 |  |  | $ | 9,657 |  |  | $ | 11,763 |  |  | $ | 68,902 |  |  | $ | 18,655 |  |  | $ | 37,286 |  |  | $ | 31,370 |  |  | $ | 286,236 |
December 31, 2011: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Principal loan balance |  | $ | 116,338 |  |  | $ | 9,910 |  |  | $ | 6,963 |  |  | $ | 57,680 |  |  | $ | 20,722 |  |  | $ | 38,641 |  |  | $ | 29,832 |  |  | $ | 280,086 |
Accrued interest receivable |  |  | 463 |  |  |  | 60 |  |  |  | 16 |  |  |  | 160 |  |  |  | 64 |  |  |  | 162 |  |  |  | 202 |  |  |  | 1,127 |
Net deferred loan origination fees and costs |  |  | 67 |  |  |  | 2 |  |  |  | 0 |  |  |  | 0 |  |  |  | (10 | ) |  |  | 84 |  |  |  | 0 |  |  |  | 143 |
Recorded investment in loans |  | $ | 116,868 |  |  | $ | 9,972 |  |  | $ | 6,979 |  |  | $ | 57,840 |  |  | $ | 20,776 |  |  | $ | 38,887 |  |  | $ | 30,034 |  |  | $ | 281,356 |
Activity for Related Party Loans | The following table represents the aggregate activity for related party loans during the year ended December 31, 2012. The beginning balance has been adjusted to reflect new directors and officers, as well as directors and officers that are no longer with the Company.
(In thousands) |  |  |
Beginning balance, as adjusted |  | $ | 5,627 |
New loans |  |  | 9,174 |
Payments |  |  | (8,717 | )
Ending balance |  | $ | 6,084 |
Allowance for Loan Losses | An analysis of the allowance for loan losses and recorded investment in loans as of and for the year ended December 31, 2012 is as follows:
|  | Residential Real Estate |  |  | Land |  |  | Construction |  |  | Commercial Real Estate |  |  | Commercial Business |  |  | Home Equity and Second Mortgage |  |  | Other Consumer |  |  | Total |
|  | (In thousands) |
Allowance for Loan Losses: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Beginning balance |  | $ | 828 |  |  | $ | 93 |  |  | $ | 33 |  |  | $ | 1,269 |  |  | $ | 1,160 |  |  | $ | 400 |  |  | $ | 399 |  |  | $ | 4,182 |
Provisions |  |  | 496 |  |  |  | (19 | ) |  |  | (33 | ) |  |  | 145 |  |  |  | 70 |  |  |  | 834 |  |  |  | 32 |  |  |  | 1,525 |
Charge-offs |  |  | (418 | ) |  |  | (4 | ) |  |  | 0 |  |  |  | (104 | ) |  |  | (17 | ) |  |  | (342 | ) |  |  | (313 | ) |  |  | (1,198 | )
Recoveries |  |  | 16 |  |  |  | 1 |  |  |  | 0 |  |  |  | 0 |  |  |  | 10 |  |  |  | 27 |  |  |  | 173 |  |  |  | 227 |
Ending balance |  | $ | 922 |  |  | $ | 71 |  |  | $ | 0 |  |  | $ | 1,310 |  |  | $ | 1,223 |  |  | $ | 919 |  |  | $ | 291 |  |  | $ | 4,736 |
Ending allowance balance attributable to loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Individually evaluated for impairment |  | $ | 213 |  |  | $ | 0 |  |  | $ | 0 |  |  | $ | 275 |  |  | $ | 1,098 |  |  | $ | 66 |  |  | $ | 0 |  |  | $ | 1,652 |
Collectively evaluated for impairment |  |  | 709 |  |  |  | 71 |  |  |  | 0 |  |  |  | 1,035 |  |  |  | 125 |  |  |  | 853 |  |  |  | 291 |  |  |  | 3,084 |
Ending balance |  | $ | 922 |  |  | $ | 71 |  |  | $ | 0 |  |  | $ | 1,310 |  |  | $ | 1,223 |  |  | $ | 919 |  |  | $ | 291 |  |  | $ | 4,736 |
Recorded Investment in Loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Individually evaluated for impairment |  | $ | 2,370 |  |  | $ | 125 |  |  | $ | 403 |  |  | $ | 2,836 |  |  | $ | 1,776 |  |  | $ | 73 |  |  | $ | 0 |  |  | $ | 7,583 |
Collectively evaluated for impairment |  |  | 106,233 |  |  |  | 9,532 |  |  |  | 11,360 |  |  |  | 66,066 |  |  |  | 16,879 |  |  |  | 37,213 |  |  |  | 31,370 |  |  |  | 278,653 |
Ending balance |  | $ | 108,603 |  |  | $ | 9,657 |  |  | $ | 11,763 |  |  | $ | 68,902 |  |  | $ | 18,655 |  |  | $ | 37,286 |  |  | $ | 31,370 |  |  | $ | 286,236 |
An analysis of the allowance for loan losses and recorded investment in loans as of and for the year ended December 31, 2011 is as follows:
|  | Residential Real Estate |  |  | Land |  |  | Construction |  |  | Commercial Real Estate |  |  | Commercial Business |  |  | Home Equity and Second Mortgage |  |  | Other Consumer |  |  | Total |
|  | (In thousands) |
Allowance for Loan Losses: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Beginning balance |  | $ | 1,024 |  |  | $ | 55 |  |  | $ | 21 |  |  | $ | 1,051 |  |  | $ | 1,251 |  |  | $ | 606 |  |  | $ | 465 |  |  | $ | 4,473 |
Provisions |  |  | 609 |  |  |  | 38 |  |  |  | 8 |  |  |  | 614 |  |  |  | 197 |  |  |  | 322 |  |  |  | 37 |  |  |  | 1,825 |
Charge-offs |  |  | (819 | ) |  |  | 0 |  |  |  | 0 |  |  |  | (396 | ) |  |  | (333 | ) |  |  | (577 | ) |  |  | (302 | ) |  |  | (2,427 | )
Recoveries |  |  | 14 |  |  |  | 0 |  |  |  | 4 |  |  |  | 0 |  |  |  | 45 |  |  |  | 49 |  |  |  | 199 |  |  |  | 311 |
Ending balance |  | $ | 828 |  |  | $ | 93 |  |  | $ | 33 |  |  | $ | 1,269 |  |  | $ | 1,160 |  |  | $ | 400 |  |  | $ | 399 |  |  | $ | 4,182 |
Ending allowance balance attributable to loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Individually evaluated for impairment |  | $ | 183 |  |  | $ | 0 |  |  | $ | 0 |  |  | $ | 539 |  |  | $ | 936 |  |  | $ | 0 |  |  | $ | 0 |  |  | $ | 1,658 |
Collectively evaluated for impairment |  |  | 645 |  |  |  | 93 |  |  |  | 33 |  |  |  | 730 |  |  |  | 224 |  |  |  | 400 |  |  |  | 399 |  |  |  | 2,524 |
Ending balance |  | $ | 828 |  |  | $ | 93 |  |  | $ | 33 |  |  | $ | 1,269 |  |  | $ | 1,160 |  |  | $ | 400 |  |  | $ | 399 |  |  | $ | 4,182 |
Recorded Investment in Loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Individually evaluated for impairment |  | $ | 2,281 |  |  | $ | 5 |  |  | $ | 247 |  |  | $ | 2,853 |  |  | $ | 1,928 |  |  | $ | 87 |  |  | $ | 0 |  |  | $ | 7,401 |
Collectively evaluated for impairment |  |  | 114,587 |  |  |  | 9,967 |  |  |  | 6,732 |  |  |  | 54,987 |  |  |  | 18,848 |  |  |  | 38,800 |  |  |  | 30,034 |  |  |  | 273,955 |
Ending balance |  | $ | 116,868 |  |  | $ | 9,972 |  |  | $ | 6,979 |  |  | $ | 57,840 |  |  | $ | 20,776 |  |  | $ | 38,887 |  |  | $ | 30,034 |  |  | $ | 281,356 |
Impaired Loans by Class of Loans | The following table summarizes the Company’s impaired loans by class of loans as of and for the year ended December 31, 2012:
|  | Recorded Investment |  |  | Unpaid Principal Balance |  |  | Related Allowance |  |  | Average Recorded Investment |  |  | Interest Income Recognized |  |  | Interest Recognized – Cash Method |
|  | (In thousands) |
Loans with no related allowance recorded: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Residential real estate |  | $ | 1,427 |  |  | $ | 1,760 |  |  | $ | 0 |  |  | $ | 1,248 |  |  | $ | 6 |  |  | $ | 4 |
Land |  |  | 125 |  |  |  | 126 |  |  |  | 0 |  |  |  | 43 |  |  |  | 0 |  |  |  | 2 |
Construction |  |  | 403 |  |  |  | 413 |  |  |  | 0 |  |  |  | 315 |  |  |  | 0 |  |  |  | 0 |
Commercial real estate |  |  | 1,535 |  |  |  | 1,944 |  |  |  | 0 |  |  |  | 1,292 |  |  |  | 0 |  |  |  | 1 |
Commercial business |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |
Home equity and second mortgage |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 51 |  |  |  | 2 |  |  |  | 2 |
Other consumer |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 1 |  |  |  | 0 |
|  |  | 3,490 |  |  |  | 4,243 |  |  |  | 0 |  |  |  | 2,949 |  |  |  | 9 |  |  |  | 9 |
Loans with an allowance recorded: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Residential real estate |  |  | 943 |  |  |  | 1,020 |  |  |  | 213 |  |  |  | 1,110 |  |  |  | 0 |  |  |  | 0 |
Land |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |
Construction |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |
Commercial real estate |  |  | 1,301 |  |  |  | 1,394 |  |  |  | 275 |  |  |  | 1,542 |  |  |  | 0 |  |  |  | 0 |
Commercial business |  |  | 1,776 |  |  |  | 1,909 |  |  |  | 1,098 |  |  |  | 1,857 |  |  |  | 0 |  |  |  | 0 |
Home equity and second mortgage |  |  | 73 |  |  |  | 73 |  |  |  | 66 |  |  |  | 103 |  |  |  | 0 |  |  |  | 0 |
Other consumer |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |
|  |  | 4,093 |  |  |  | 4,396 |  |  |  | 1,652 |  |  |  | 4,612 |  |  |  | 0 |  |  |  | 0 |
Total: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Residential real estate |  |  | 2,370 |  |  |  | 2,780 |  |  |  | 213 |  |  |  | 2,358 |  |  |  | 6 |  |  |  | 4 |
Land |  |  | 125 |  |  |  | 126 |  |  |  | 0 |  |  |  | 43 |  |  |  | 0 |  |  |  | 2 |
Construction |  |  | 403 |  |  |  | 413 |  |  |  | 0 |  |  |  | 315 |  |  |  | 0 |  |  |  | 0 |
Commercial real estate |  |  | 2,836 |  |  |  | 3,338 |  |  |  | 275 |  |  |  | 2,834 |  |  |  | 0 |  |  |  | 1 |
Commercial business |  |  | 1,776 |  |  |  | 1,909 |  |  |  | 1,098 |  |  |  | 1,857 |  |  |  | 0 |  |  |  | 0 |
Home equity and second mortgage |  |  | 73 |  |  |  | 73 |  |  |  | 66 |  |  |  | 154 |  |  |  | 2 |  |  |  | 2 |
Other consumer |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 1 |  |  |  | 0 |
|  | $ | 7,583 |  |  | $ | 8,639 |  |  | $ | 1,652 |  |  | $ | 7,561 |  |  | $ | 9 |  |  | $ | 9 |
The following table summarizes the Company’s impaired loans by class of loans as of and for the year ended December 31, 2011:
|  | Recorded Investment |  |  | Unpaid Principal Balance |  |  | Related Allowance |  |  | Average Recorded Investment |  |  | Interest Income Recognized |  |  | Interest Recognized – Cash Method |
|  | (In thousands) |
Loans with no related allowance recorded: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Residential real estate |  | $ | 1,149 |  |  | $ | 1,507 |  |  | $ | 0 |  |  | $ | 978 |  |  | $ | 0 |  |  | $ | 29 |
Land |  |  | 5 |  |  |  | 6 |  |  |  | 0 |  |  |  | 5 |  |  |  | 0 |  |  |  | 0 |
Construction |  |  | 247 |  |  |  | 249 |  |  |  | 0 |  |  |  | 261 |  |  |  | 0 |  |  |  | 0 |
Commercial real estate |  |  | 1,215 |  |  |  | 1,280 |  |  |  | 0 |  |  |  | 514 |  |  |  | 0 |  |  |  | 9 |
Commercial business |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 14 |  |  |  | 0 |  |  |  | 0 |
Home equity and second mortgage |  |  | 87 |  |  |  | 94 |  |  |  | 0 |  |  |  | 32 |  |  |  | 0 |  |  |  | 1 |
Other consumer |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 4 |  |  |  | 0 |  |  |  | 0 |
|  |  | 2,703 |  |  |  | 3,136 |  |  |  | 0 |  |  |  | 1,808 |  |  |  | 0 |  |  |  | 39 |
Loans with an allowance recorded: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Residential real estate |  |  | 1,132 |  |  |  | 1,233 |  |  |  | 183 |  |  |  | 2,035 |  |  |  | 0 |  |  |  | 9 |
Land |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |
Construction |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 56 |  |  |  | 0 |  |  |  | 0 |
Commercial real estate |  |  | 1,638 |  |  |  | 1,933 |  |  |  | 539 |  |  |  | 1,208 |  |  |  | 0 |  |  |  | 0 |
Commercial business |  |  | 1,928 |  |  |  | 2,023 |  |  |  | 936 |  |  |  | 2,036 |  |  |  | 0 |  |  |  | 0 |
Home equity and second mortgage |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 282 |  |  |  | 0 |  |  |  | 0 |
Other consumer |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 5 |  |  |  | 0 |  |  |  | 0 |
|  |  | 4,698 |  |  |  | 5,189 |  |  |  | 1,658 |  |  |  | 5,622 |  |  |  | 0 |  |  |  | 9 |
Total: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Residential real estate |  |  | 2,281 |  |  |  | 2,740 |  |  |  | 183 |  |  |  | 3,013 |  |  |  | 0 |  |  |  | 38 |
Land |  |  | 5 |  |  |  | 6 |  |  |  | 0 |  |  |  | 5 |  |  |  | 0 |  |  |  | 0 |
Construction |  |  | 247 |  |  |  | 249 |  |  |  | 0 |  |  |  | 317 |  |  |  | 0 |  |  |  | 0 |
Commercial real estate |  |  | 2,853 |  |  |  | 3,213 |  |  |  | 539 |  |  |  | 1,722 |  |  |  | 0 |  |  |  | 9 |
Commercial business |  |  | 1,928 |  |  |  | 2,023 |  |  |  | 936 |  |  |  | 2,050 |  |  |  | 0 |  |  |  | 0 |
Home equity and second mortgage |  |  | 87 |  |  |  | 94 |  |  |  | 0 |  |  |  | 314 |  |  |  | 0 |  |  |  | 1 |
Other consumer |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 9 |  |  |  | 0 |  |  |  | 0 |
|  | $ | 7,401 |  |  | $ | 8,325 |  |  | $ | 1,658 |  |  | $ | 7,430 |  |  | $ | 0 |  |  | $ | 48 |
Recorded Investment in Nonperforming Loans by Class of Loans | The following table presents the recorded investment in nonperforming loans by class of loans at December 31, 2012 and 2011:
|  | December 31, 2012 |  |  | December 31, 2011 |
|  | Nonaccrual Loans |  |  | Loans 90+ Days Past Due Still Accruing |  |  | Total Nonperforming Loans |  |  | Nonaccrual Loans |  |  | Loans 90+ Days Past Due Still Accruing |  |  | Total Nonperforming Loans |
|  | (In thousands) |
Residential real estate |  | $ | 2,370 |  |  | $ | 215 |  |  | $ | 2,585 |  |  | $ | 2,281 |  |  | $ | 143 |  |  | $ | 2,424 |
Land |  |  | 125 |  |  |  | 0 |  |  |  | 125 |  |  |  | 5 |  |  |  | 38 |  |  |  | 43 |
Construction |  |  | 403 |  |  |  | 0 |  |  |  | 403 |  |  |  | 247 |  |  |  | 0 |  |  |  | 247 |
Commercial real estate |  |  | 2,836 |  |  |  | 0 |  |  |  | 2,836 |  |  |  | 2,853 |  |  |  | 0 |  |  |  | 2,853 |
Commercial business |  |  | 1,776 |  |  |  | 0 |  |  |  | 1,776 |  |  |  | 1,928 |  |  |  | 0 |  |  |  | 1,928 |
Home equity and second mortgage |  |  | 73 |  |  |  | 56 |  |  |  | 129 |  |  |  | 87 |  |  |  | 159 |  |  |  | 246 |
Other consumer |  |  | 0 |  |  |  | 18 |  |  |  | 18 |  |  |  | 0 |  |  |  | 23 |  |  |  | 23 |
Total |  | $ | 7,583 |  |  | $ | 289 |  |  | $ | 7,872 |  |  | $ | 7,401 |  |  | $ | 363 |  |  | $ | 7,764 |
Recorded Investment in Loans by Risk Category | The following table presents the recorded investment in loans by risk category and class of loans as of the date indicated:
|  | Residential Real Estate |  |  | Land |  |  | Construction |  |  | Commercial Real Estate |  |  | Commercial Business |  |  | Home Equity and Second Mortgage |  |  | Other Consumer |  |  | Total |
|  | (In thousands) |
December 31, 2012: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass |  | $ | 102,618 |  |  | $ | 7,220 |  |  | $ | 11,244 |  |  | $ | 63,095 |  |  | $ | 15,026 |  |  | $ | 36,035 |  |  | $ | 31,302 |  |  | $ | 266,540 |
Special mention |  |  | 958 |  |  |  | 17 |  |  |  | 116 |  |  |  | 1,018 |  |  |  | 1,354 |  |  |  | 553 |  |  |  | 25 |  |  |  | 4,041 |
Substandard |  |  | 2,657 |  |  |  | 2,295 |  |  |  | 0 |  |  |  | 1,953 |  |  |  | 499 |  |  |  | 625 |  |  |  | 43 |  |  |  | 8,072 |
Doubtful |  |  | 2,370 |  |  |  | 125 |  |  |  | 403 |  |  |  | 2,836 |  |  |  | 1,776 |  |  |  | 73 |  |  |  | 0 |  |  |  | 7,583 |
Loss |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |
Total |  | $ | 108,603 |  |  | $ | 9,657 |  |  | $ | 11,763 |  |  | $ | 68,902 |  |  | $ | 18,655 |  |  | $ | 37,286 |  |  | $ | 31,370 |  |  | $ | 286,236 |
December 31, 2011: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass |  | $ | 113,037 |  |  | $ | 7,578 |  |  | $ | 6,217 |  |  | $ | 46,544 |  |  | $ | 16,961 |  |  | $ | 38,513 |  |  | $ | 29,976 |  |  | $ | 258,826 |
Special mention |  |  | 862 |  |  |  | 255 |  |  |  | 307 |  |  |  | 5,392 |  |  |  | 1,462 |  |  |  | 63 |  |  |  | 44 |  |  |  | 8,385 |
Substandard |  |  | 688 |  |  |  | 2,134 |  |  |  | 208 |  |  |  | 3,051 |  |  |  | 425 |  |  |  | 224 |  |  |  | 14 |  |  |  | 6,744 |
Doubtful |  |  | 2,281 |  |  |  | 5 |  |  |  | 247 |  |  |  | 2,853 |  |  |  | 1,928 |  |  |  | 87 |  |  |  | 0 |  |  |  | 7,401 |
Loss |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |
Total |  | $ | 116,868 |  |  | $ | 9,972 |  |  | $ | 6,979 |  |  | $ | 57,840 |  |  | $ | 20,776 |  |  | $ | 38,887 |  |  | $ | 30,034 |  |  | $ | 281,356 |
Tdrs by Class of Loan and Accrual Status | The following table summarizes the Company’s TDRs by class of loan and accrual status as of December 31, 2012 and 2011:
|  | December 31, 2012 |  |  | December 31, 2011 |
|  | Accruing |  |  | Nonaccrual |  |  | Total |  |  | Related Allowance for Loan Losses |  |  | Accruing |  |  | Nonaccrual |  |  | Total |  |  | Related Allowance for Loan Losses |
|  | (In thousands) |
Residential real estate |  | $ | 180 |  |  | $ | 588 |  |  | $ | 768 |  |  | $ | 87 |  |  | $ | 112 |  |  | $ | 516 |  |  | $ | 628 |  |  | $ | 11 |
Land |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 135 |  |  |  | 0 |  |  |  | 135 |  |  |  | 0 |
Construction |  |  | 0 |  |  |  | 170 |  |  |  | 170 |  |  |  | 0 |  |  |  | 207 |  |  |  | 247 |  |  |  | 454 |  |  |  | 0 |
Commercial real estate |  |  | 0 |  |  |  | 1,534 |  |  |  | 1,534 |  |  |  | 83 |  |  |  | 0 |  |  |  | 1,603 |  |  |  | 1,603 |  |  |  | 211 |
Commercial business |  |  | 0 |  |  |  | 1,776 |  |  |  | 1,776 |  |  |  | 1,098 |  |  |  | 0 |  |  |  | 1,843 |  |  |  | 1,843 |  |  |  | 914 |
Home equity and second mortgage |  |  | 41 |  |  |  | 31 |  |  |  | 72 |  |  |  | 25 |  |  |  | 8 |  |  |  | 0 |  |  |  | 8 |  |  |  | 0 |
Other consumer |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |
Total |  | $ | 221 |  |  | $ | 4,099 |  |  | $ | 4,320 |  |  | $ | 1,293 |  |  | $ | 462 |  |  | $ | 4,209 |  |  | $ | 4,671 |  |  | $ | 1,136 |
Information in Regard to Tdrs that Occurred During Period | The following table summarizes information in regard to TDRs that were restructured during the year ended December 31, 2012:
|  | Number of Contracts |  |  | Pre- Modification Outstanding Balance |  |  | Post- Modification Outstanding Balance |
|  | (In thousands) |
Residential real estate |  |  | 3 |  |  | $ | 270 |  |  | $ | 270 |
Home equity and second mortgage |  |  | 2 |  |  |  | 65 |  |  |  | 65 |
Total |  |  | 5 |  |  | $ | 335 |  |  | $ | 335 |
The following table summarizes information in regard to TDRs that were restructured during the year ended December 31, 2011:
|  | Number of Contracts |  |  | Pre- Modification Outstanding Balance |  |  | Post- Modification Outstanding Balance |
|  | (In thousands) |
Residential real estate |  |  | 4 |  |  | $ | 331 |  |  | $ | 331 |
Land |  |  | 1 |  |  |  | 135 |  |  |  | 135 |
Construction |  |  | 2 |  |  |  | 454 |  |  |  | 454 |
Commercial real estate |  |  | 2 |  |  |  | 1,139 |  |  |  | 1,139 |
Home equity and second mortgage |  |  | 1 |  |  |  | 8 |  |  |  | 8 |
Total |  |  | 10 |  |  | $ | 2,067 |  |  | $ | 2,067 |
Financing Receivable Recorded Investment Current Past Due |
Loans | The following table presents the aging of the recorded investment loans by class of loans at December 31, 2012:
|  | 30-59 Days Past Due |  |  | 60-89 Days Past Due |  |  | Over 90 Days Past Due |  |  | Total Past Due |  |  | Current |  |  | Total Loans |
|  | (In thousands) |
Residential real estate |  | $ | 4,085 |  |  | $ | 871 |  |  | $ | 1,644 |  |  | $ | 6,600 |  |  | $ | 102,003 |  |  | $ | 108,603 |
Land |  |  | 343 |  |  |  | 0 |  |  |  | 119 |  |  |  | 462 |  |  |  | 9,195 |  |  |  | 9,657 |
Construction |  |  | 171 |  |  |  | 0 |  |  |  | 113 |  |  |  | 284 |  |  |  | 11,479 |  |  |  | 11,763 |
Commercial real estate |  |  | 360 |  |  |  | 0 |  |  |  | 335 |  |  |  | 695 |  |  |  | 68,207 |  |  |  | 68,902 |
Commercial business |  |  | 36 |  |  |  | 0 |  |  |  | 0 |  |  |  | 36 |  |  |  | 18,619 |  |  |  | 18,655 |
Home equity and second mortgage |  |  | 1,206 |  |  |  | 102 |  |  |  | 97 |  |  |  | 1,405 |  |  |  | 35,881 |  |  |  | 37,286 |
Other consumer |  |  | 510 |  |  |  | 30 |  |  |  | 18 |  |  |  | 558 |  |  |  | 30,812 |  |  |  | 31,370 |
Total |  | $ | 6,711 |  |  | $ | 1,003 |  |  | $ | 2,326 |  |  | $ | 10,040 |  |  | $ | 276,196 |  |  | $ | 286,236 |
The following table presents the aging of the recorded investment in loans by class of loans at December 31, 2011:
|  | 30-59 Days Past Due |  |  | 60-89 Days Past Due |  |  | Over 90 Days Past Due |  |  | Total Past Due |  |  | Current |  |  | Total Loans |
|  | (In thousands) |
Residential real estate |  | $ | 5,205 |  |  | $ | 1,068 |  |  | $ | 1,035 |  |  | $ | 7,308 |  |  | $ | 109,560 |  |  | $ | 116,868 |
Land |  |  | 442 |  |  |  | 43 |  |  |  | 43 |  |  |  | 528 |  |  |  | 9,444 |  |  |  | 9,972 |
Construction |  |  | 0 |  |  |  | 0 |  |  |  | 247 |  |  |  | 247 |  |  |  | 6,732 |  |  |  | 6,979 |
Commercial real estate |  |  | 676 |  |  |  | 0 |  |  |  | 1,258 |  |  |  | 1,934 |  |  |  | 55,906 |  |  |  | 57,840 |
Commercial business |  |  | 256 |  |  |  | 0 |  |  |  | 0 |  |  |  | 256 |  |  |  | 20,520 |  |  |  | 20,776 |
Home equity and second mortgage |  |  | 558 |  |  |  | 72 |  |  |  | 246 |  |  |  | 876 |  |  |  | 38,011 |  |  |  | 38,887 |
Other consumer |  |  | 306 |  |  |  | 37 |  |  |  | 23 |  |  |  | 366 |  |  |  | 29,668 |  |  |  | 30,034 |
Total |  | $ | 7,443 |  |  | $ | 1,220 |  |  | $ | 2,852 |  |  | $ | 11,515 |  |  | $ | 269,841 |  |  | $ | 281,356 |
Loans |
Loans | Loans at December 31, 2012 and 2011 consisted of the following:
(In thousands) |  | 2012 |  |  | 2011 |
Real estate mortgage loans: |  |  |  |  |  |  |  |
Residential |  | $ | 108,097 |  |  | $ | 116,338 |
Land |  |  | 9,607 |  |  |  | 9,910 |
Residential construction |  |  | 12,753 |  |  |  | 10,988 |
Commercial real estate |  |  | 68,731 |  |  |  | 57,680 |
Commercial real estate construction |  |  | 3,299 |  |  |  | 743 |
Commercial business loans |  |  | 18,612 |  |  |  | 20,722 |
Consumer loans: |  |  |  |  |  |  |  |
Home equity and second mortgage loans |  |  | 36,962 |  |  |  | 38,641 |
Automobile loans |  |  | 21,922 |  |  |  | 20,627 |
Loans secured by savings accounts |  |  | 770 |  |  |  | 767 |
Unsecured loans |  |  | 3,191 |  |  |  | 3,126 |
Other consumer loans |  |  | 5,303 |  |  |  | 5,312 |
Gross loans |  |  | 289,247 |  |  |  | 284,854 |
Deferred loan origination fees, net |  |  | 202 |  |  |  | 143 |
Undisbursed portion of loans in process |  |  | (4,306 | ) |  |  | (4,768 | )
Allowance for loan losses |  |  | (4,736 | ) |  |  | (4,182 | )
Loans, net |  | $ | 280,407 |  |  | $ | 276,047 |

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