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Loans (Tables) | 9 Months Ended
--- | ---
Sep. 30, 2012
Loans Tables |
Schedule of net Loans |
|  |  | At September 30, |  |  | At December 31, |
|  |  | 2012 |  |  | 2011 |
| Residential real estate |  | $ | 32,430 |  |  | $ | 30,434 |
| Multi-family real estate |  |  | 4,182 |  |  |  | 4,109 |
| Commercial real estate |  |  | 39,221 |  |  |  | 41,307 |
| Land and construction |  |  | 7,323 |  |  |  | 11,783 |
| Commercial |  |  | 3,959 |  |  |  | 3,713 |
| Consumer |  |  | 123 |  |  |  | 175 |
| Total loans |  |  | 87,238 |  |  |  | 91,521 |
| Add (deduct): |  |  |  |  |  |  |  |
| Net deferred loan fees, costs and premiums |  |  | 149 |  |  |  | 45 |
| Allowance for loan losses |  |  | (1,936 | ) |  |  | (2,349 | )
| Loans, net |  | $ | 85,451 |  |  | $ | 89,217 |
Schedule of activity in the allowance for loan losses by portfolio segment | An analysis of the change in the allowance for loan losses follows (in thousands):
|  |  | Residential |  |  | Multi-Family |  |  | Commercial |  |  | Land |  |  |  |  |  |  |  |  |  |
|  |  | Real |  |  | Real |  |  | Real |  |  | and |  |  |  |  |  |  |  |  |  |
|  |  | Estate |  |  | Estate |  |  | Estate |  |  | Construction |  |  | Commercial |  |  | Consumer |  |  | Total |
| Three Months Ended September 30, 2012: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| Beginning balance |  | $ | 703 |  |  | $ | 245 |  |  | $ | 799 |  |  | $ | 215 |  |  | $ | 115 |  |  | $ | 25 |  |  | $ | 2,102 |
| Provision (credit) for loan losses |  |  | (231 | ) |  |  | 15 |  |  |  | 364 |  |  |  | 36 |  |  |  | 12 |  |  |  | 0 |  |  |  | 196 |
| Charge-offs |  |  | 0 |  |  |  | (1 | ) |  |  | (346 | ) |  |  | (53 | ) |  |  | 0 |  |  |  | 0 |  |  |  | (400 | )
| Recoveries |  |  | 17 |  |  |  | 0 |  |  |  | 0 |  |  |  | 17 |  |  |  | 0 |  |  |  | 4 |  |  |  | 38 |
| Ending balance |  | $ | 489 |  |  | $ | 259 |  |  | $ | 817 |  |  | $ | 215 |  |  | $ | 127 |  |  | $ | 29 |  |  | $ | 1,936 |
| Nine Months Ended September 30, 2012: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| Beginning balance |  | $ | 549 |  |  | $ | 247 |  |  | $ | 1,190 |  |  | $ | 187 |  |  | $ | 161 |  |  | $ | 15 |  |  | $ | 2,349 |
| Provision (credit) for loan losses |  |  | 70 |  |  |  | 12 |  |  |  | 154 |  |  |  | 170 |  |  |  | (33 | ) |  |  | 5 |  |  |  | 378 |
| Charge-offs |  |  | (146 | ) |  |  | 0 |  |  |  | (557 | ) |  |  | (388 | ) |  |  | (1 | ) |  |  | 0 |  |  |  | (1,092 | )
| Recoveries |  |  | 16 |  |  |  | 0 |  |  |  | 30 |  |  |  | 246 |  |  |  | 0 |  |  |  | 9 |  |  |  | 301 |
| Ending balance |  | $ | 489 |  |  | $ | 259 |  |  | $ | 817 |  |  | $ | 215 |  |  | $ | 127 |  |  | $ | 29 |  |  | $ | 1,936 |
(continued) OPTIMUMBANK HOLDINGS, INC. AND SUBSIDIARY Notes to Condensed Consolidated Financial Statements (unaudited), Continued
(3) | Loans, Continued.
|  |  | Residential Real Estate |  |  | Multi-Family Real Estate |  |  | Commercial Real Estate |  |  | Land and Construction |  |  | Consumer |  |  | Total |
| Three Months Ended September 30, 2011: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| Beginning balance |  | $ | 1,093 |  |  | $ | 308 |  |  | $ | 1,400 |  |  | $ | 197 |  |  | $ | 77 |  |  | $ | 3,075 |
| Provision for loan losses |  |  | (644 | ) |  |  | 135 |  |  |  | 374 |  |  |  | (117 | ) |  |  | 9 |  |  |  | (243 | )
| Charge-offs |  |  | 0 |  |  |  | 0 |  |  |  | (150 | ) |  |  | 0 |  |  |  | 0 |  |  |  | (150 | )
| Recoveries |  |  | 328 |  |  |  | 2 |  |  |  | 0 |  |  |  | 121 |  |  |  | 4 |  |  |  | 455 |
| Ending balance |  | $ | 777 |  |  | $ | 445 |  |  | $ | 1,624 |  |  | $ | 201 |  |  | $ | 90 |  |  | $ | 3,137 |
| Nine Months Ended September 30, 2011: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| Beginning balance |  | $ | 1,285 |  |  | $ | 282 |  |  | $ | 1,542 |  |  | $ | 514 |  |  | $ | 80 |  |  | $ | 3,703 |
| Provision (credit) for loan losses |  |  | (562 | ) |  |  | 158 |  |  |  | 284 |  |  |  | 772 |  |  |  | 0 |  |  |  | 652 |
| Charge-offs |  |  | (308 | ) |  |  | 0 |  |  |  | (202 | ) |  |  | (1,230 | ) |  |  | 0 |  |  |  | (1,740 | )
| Recoveries |  |  | 362 |  |  |  | 5 |  |  |  | 0 |  |  |  | 145 |  |  |  | 10 |  |  |  | 522 |
| Ending balance |  | $ | 777 |  |  | $ | 445 |  |  | $ | 1,624 |  |  | $ | 201 |  |  | $ | 90 |  |  | $ | 3,137 |
Schedule of risk rated classified loans by credit quality indicator |
|  |  |  |  | OLEM |  |  |  |  |  |  |  |  |  |  |  |  |
|  |  |  |  | (Other Loans |  |  |  |  |  |  |  |  |  |  |  |  |
|  |  |  |  | Especially |  |  |  |  |  |  |  |  |  |  |  |  |
|  | Pass |  |  | Mentioned) |  |  | Substandard |  |  | Doubtful |  |  | Loss |  |  | Total |
At September 30, 2012: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Residential real estate: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Closed-end first mortgages |  | $ | 21,678 |  |  | $ | 2,919 |  |  | $ | 4,709 |  |  | $ | 0 |  |  | $ | 0 |  |  | $ | 29,306 |
Closed-end second mortgages |  |  | 3,124 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 3,124 |
Total residential real estate |  |  | 24,802 |  |  |  | 2,919 |  |  |  | 4,709 |  |  |  | 0 |  |  |  | 0 |  |  |  | 32,430 |
Multi-family real estate |  |  | 4,182 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 4,182 |
Commercial real estate: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Owner-occupied |  |  | 9,949 |  |  |  | 1,979 |  |  |  | 78 |  |  |  | 0 |  |  |  | 0 |  |  |  | 12,006 |
Non-owner-occupied |  |  | 12,235 |  |  |  | 1,125 |  |  |  | 13,855 |  |  |  | 0 |  |  |  | 0 |  |  |  | 27,215 |
Total commercial real estate |  |  | 22,184 |  |  |  | 3,104 |  |  |  | 13,933 |  |  |  | 0 |  |  |  | 0 |  |  |  | 39,221 |
Land and construction |  |  | 6,369 |  |  |  | 49 |  |  |  | 905 |  |  |  | 0 |  |  |  | 0 |  |  |  | 7,323 |
Commercial |  |  | 3,959 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 3,959 |
Consumer |  |  | 123 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 123 |
Total |  | $ | 61,619 |  |  | $ | 6,072 |  |  | $ | 19,547 |  |  | $ | 0 |  |  | $ | 0 |  |  | $ | 87,238 |
At December 31, 2011: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Residential real estate: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Closed-end first mortgages |  | $ | 18,588 |  |  | $ | 3,686 |  |  | $ | 5,001 |  |  | $ | 0 |  |  | $ | 0 |  |  | $ | 27,275 |
Closed-end second mortgages |  |  | 3,159 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 3,159 |
Total residential real estate |  |  | 21,747 |  |  |  | 3,686 |  |  |  | 5,001 |  |  |  | 0 |  |  |  | 0 |  |  |  | 30,434 |
Multi-family real estate |  |  | 4,109 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 4,109 |
Commercial real estate: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Owner-occupied |  |  | 10,132 |  |  |  | 2,012 |  |  |  | 369 |  |  |  | 0 |  |  |  | 0 |  |  |  | 12,513 |
Non-owner-occupied |  |  | 10,822 |  |  |  | 2,764 |  |  |  | 15,208 |  |  |  | 0 |  |  |  | 0 |  |  |  | 28,794 |
Total commercial real estate |  |  | 20,954 |  |  |  | 4,776 |  |  |  | 15,577 |  |  |  | 0 |  |  |  | 0 |  |  |  | 41,307 |
Land and construction |  |  | 4,493 |  |  |  | 49 |  |  |  | 7,241 |  |  |  | 0 |  |  |  | 0 |  |  |  | 11,783 |
Commercial |  |  | 3,713 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 3,713 |
Consumer |  |  | 107 |  |  |  | 68 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 175 |
Total |  | $ | 55,123 |  |  | $ | 8,579 |  |  | $ | 27,819 |  |  | $ | 0 |  |  | $ | 0 |  |  | $ | 91,521 |
Schedule of aging analysis of past due loans, segregated by class of loans |
|  | Accruing Loans |  |  |  |  |  |  |
|  |  |  |  |  |  |  | Greater |  |  |  |  |  |  |  |  |  |  |  |  |
|  | 30-59 |  |  | 60-89 |  |  | Than 90 |  |  | Total |  |  |  |  |  |  |  |  |  |
|  | Days |  |  | Days |  |  | Days |  |  | Past |  |  |  |  |  | Nonaccrual |  |  | Total |
|  | Past Due |  |  | Past Due |  |  | Past Due |  |  | Due |  |  | Current |  |  | Loans |  |  | Loans |
At September 30, 2012: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Residential real estate: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Closed-end first mortgages |  | $ | 0 |  |  | $ | 0 |  |  | $ | 0 |  |  | $ | 0 |  |  | $ | 24,597 |  |  | $ | 4,709 |  |  | $ | 29,306 |
Closed-end second mortgages |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 3,124 |  |  |  | 0 |  |  |  | 3,124 |
Subtotal |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 27,721 |  |  |  | 4,709 |  |  |  | 32,430 |
Multi-family real estate |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 4,182 |  |  |  | 0 |  |  |  | 4,182 |
Commercial real estate: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Owner-occupied |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 11,928 |  |  |  | 78 |  |  |  | 12,006 |
Non-owner-occupied |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 13,360 |  |  |  | 13,855 |  |  |  | 27,215 |
Subtotal |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 25,288 |  |  |  | 13,933 |  |  |  | 39,221 |
Land and construction |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 6,418 |  |  |  | 905 |  |  |  | 7,323 |
Commercial |  |  | 701 |  |  |  | 0 |  |  |  | 0 |  |  |  | 701 |  |  |  | 3,258 |  |  |  | 0 |  |  |  | 3,959 |
Consumer |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 123 |  |  |  | 0 |  |  |  | 123 |
Total |  | $ | 701 |  |  | $ | 0 |  |  | $ | 0 |  |  | $ | 701 |  |  | $ | 66,990 |  |  | $ | 19,547 |  |  | $ | 87,238 |
At December 31, 2011: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Residential real estate: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Closed-end first mortgages |  | $ | 0 |  |  | $ | 768 |  |  | $ | 0 |  |  | $ | 768 |  |  | $ | 21,506 |  |  | $ | 5,001 |  |  | $ | 27,275 |
Closed-end second mortgages |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 3,159 |  |  |  | 0 |  |  |  | 3,159 |
Subtotal |  |  | 0 |  |  |  | 768 |  |  |  | 0 |  |  |  | 768 |  |  |  | 24,665 |  |  |  | 5,001 |  |  |  | 30,434 |
Multi-family real estate |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 4,109 |  |  |  | 0 |  |  |  | 4,109 |
Commercial real estate: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Owner-occupied |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 12,144 |  |  |  | 369 |  |  |  | 12,513 |
Non-owner-occupied |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 13,586 |  |  |  | 15,208 |  |  |  | 28,794 |
Subtotal |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 25,730 |  |  |  | 15,577 |  |  |  | 41,307 |
Land and construction |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 4,542 |  |  |  | 7,241 |  |  |  | 11,783 |
Commercial |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 3,713 |  |  |  | 0 |  |  |  | 3,713 |
Consumer |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 175 |  |  |  | 0 |  |  |  | 175 |
Total |  | $ | 0 |  |  | $ | 768 |  |  | $ | 0 |  |  | $ | 768 |  |  | $ | 62,934 |  |  | $ | 27,819 |  |  | $ | 91,521 |
Schedule of Impaired loans |
|  | At September 30, 2012 |  |  | At December 31, 2011 |
|  |  |  |  | Unpaid |  |  |  |  |  |  |  |  | Unpaid |  |  |  |
|  | Recorded |  |  | Principal |  |  | Related |  |  | Recorded |  |  | Principal |  |  | Related |
|  | Investment |  |  | Balance |  |  | Allowance |  |  | Investment |  |  | Balance |  |  | Allowance |
With no related allowance recorded: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Residential real estate- |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Closed-end first mortgages |  | $ | 7,628 |  |  | $ | 8,079 |  |  | $ | 0 |  |  | $ | 7,919 |  |  | $ | 8,465 |  |  | $ | 0 |
Commercial real estate: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Owner-occupied |  |  | 78 |  |  |  | 78 |  |  |  | 0 |  |  |  | 369 |  |  |  | 376 |  |  |  | 0 |
Non-owner-occupied |  |  | 13,855 |  |  |  | 16,730 |  |  |  | 0 |  |  |  | 15,208 |  |  |  | 17,584 |  |  |  | 0 |
Land and construction |  |  | 905 |  |  |  | 2,429 |  |  |  | 0 |  |  |  | 7,241 |  |  |  | 11,652 |  |  |  | 0 |
Consumer |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 68 |  |  |  | 68 |  |  |  | 0 |
With an allowance recorded: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial real estate- |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Non-owner-occupied |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 1,139 |  |  |  | 1,139 |  |  |  | 11 |
Total: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Residential real estate- |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Closed-end first mortgages |  | $ | 7,628 |  |  | $ | 8,079 |  |  | $ | 0 |  |  | $ | 7,919 |  |  | $ | 8,465 |  |  | $ | 0 |
Commercial real estate: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Owner-occupied |  | $ | 78 |  |  | $ | 78 |  |  | $ | 0 |  |  | $ | 369 |  |  | $ | 376 |  |  | $ | 0 |
Non-owner-occupied |  | $ | 13,855 |  |  | $ | 16,730 |  |  | $ | 0 |  |  | $ | 16,347 |  |  | $ | 18,723 |  |  | $ | 11 |
Land and construction |  | $ | 905 |  |  | $ | 2,429 |  |  | $ | 0 |  |  | $ | 7,241 |  |  | $ | 11,652 |  |  | $ | 0 |
Consumer |  | $ | 0 |  |  | $ | 0 |  |  | $ | 0 |  |  | $ | 68 |  |  | $ | 68 |  |  | $ | 0 |
Total |  | $ | 22,466 |  |  | $ | 27,316 |  |  | $ | 0 |  |  | $ | 31,944 |  |  | $ | 39,284 |  |  | $ | 11 |
| The average net investment in impaired loans and interest income recognized and received on impaired loans are as follows (in thousands):
|  | Three Months Ended September 30, |
|  | 2012 |  |  | 2011 |
|  | Average |  |  | Interest |  |  | Interest |  |  | Average |  |  | Interest |  |  | Interest |
|  | Recorded |  |  | Income |  |  | Income |  |  | Recorded |  |  | Income |  |  | Income |
|  | Investment |  |  | Recognized |  |  | Received |  |  | Investment |  |  | Recognized |  |  | Received |
Residential real estate- |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Closed-end first mortgages |  | $ | 7,688 |  |  | $ | 52 |  |  | $ | 102 |  |  | $ | 11,080 |  |  | $ | 66 |  |  | $ | 71 |
Multi-family real estate |  | $ | 0 |  |  | $ | 0 |  |  | $ | 0 |  |  | $ | 0 |  |  | $ | 0 |  |  | $ | 0 |
Commercial real estate: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Owner-occupied |  | $ | 78 |  |  | $ | 0 |  |  | $ | 0 |  |  | $ | 296 |  |  | $ | 0 |  |  | $ | 0 |
Non-owner-occupied |  | $ | 14,199 |  |  | $ | 0 |  |  | $ | 63 |  |  | $ | 18,404 |  |  | $ | 10 |  |  | $ | 92 |
Land and construction |  | $ | 2,372 |  |  | $ | 0 |  |  | $ | 25 |  |  | $ | 6,746 |  |  | $ | 0 |  |  | $ | 28 |
Consumer- |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Non-real estate secured |  | $ | 0 |  |  | $ | 0 |  |  | $ | 0 |  |  | $ | 216 |  |  | $ | 1 |  |  | $ | 1 |
Total |  | $ | 24,337 |  |  | $ | 52 |  |  | $ | 190 |  |  | $ | 36,742 |  |  | $ | 77 |  |  | $ | 192 |
|  | Nine Months Ended September 30, |
|  | 2012 |  |  | 2011 |
|  | Average |  |  | Interest |  |  | Interest |  |  | Average |  |  | Interest |  |  | Interest |
|  | Recorded |  |  | Income |  |  | Income |  |  | Recorded |  |  | Income |  |  | Income |
|  | Investment |  |  | Recognized |  |  | Received |  |  | Investment |  |  | Recognized |  |  | Received |
Residential real estate- |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Closed-end first mortgages |  | $ | 7,863 |  |  | $ | 156 |  |  | $ | 254 |  |  | $ | 11,686 |  |  | $ | 174 |  |  | $ | 211 |
Multi-family real estate |  | $ | 0 |  |  | $ | 0 |  |  | $ | 0 |  |  | $ | 0 |  |  | $ | 0 |  |  | $ | 0 |
Commercial real estate: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Owner-occupied |  | $ | 177 |  |  | $ | 0 |  |  | $ | 0 |  |  | $ | 466 |  |  | $ | 0 |  |  | $ | 1 |
Non-owner-occupied |  | $ | 14,682 |  |  | $ | 0 |  |  | $ | 172 |  |  | $ | 19,009 |  |  | $ | 95 |  |  | $ | 303 |
Land and construction |  | $ | 4,681 |  |  | $ | 0 |  |  | $ | 69 |  |  | $ | 7,704 |  |  | $ | 21 |  |  | $ | 119 |
Consumer- |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Non-real estate secured |  | $ | 0 |  |  | $ | 0 |  |  | $ | 0 |  |  | $ | 224 |  |  | $ | 5 |  |  | $ | 5 |
Total |  | $ | 27,403 |  |  | $ | 156 |  |  | $ | 495 |  |  | $ | 39,089 |  |  | $ | 295 |  |  | $ | 639 |
Troubled debt restructuring |
|  | Nine Months Ended September 30, 2011 |
|  | Outstanding Recorded Investment |
|  | Number |  |  |  |  |  |  |
|  | of |  |  | Pre- |  |  | Post- |
|  | Contracts |  |  | Modification |  |  | Modification |
Troubled Debt Restructurings: |  |  |  |  |  |  |  |  |
Real estate mortgage loans: |  |  |  |  |  |  |  |  |
Residential real estate: |  |  |  |  |  |  |  |  |
Modified interest rate and amortization |  |  | 1 |  |  | $ | 1,289 |  |  | $ | 1,289 |
Commercial real estate: |  |  |  |  |  |  |  |  |  |  |  |
Modified interest rate and amortization |  |  | 4 |  |  |  | 6,321 |  |  |  | 6,321 |
Land and construction: |  |  |  |  |  |  |  |  |  |  |  |
Modified interest rate and amortization |  |  | 1 |  |  |  | 2,080 |  |  |  | 2,080 |
Total |  |  | 6 |  |  | $ | 9,690 |  |  | $ | 9,690 |
(continued)
(3) | Loans, Continued. There were no defaults of TDR’s during the nine months ended September 30, 2012. The following schedule summarizes troubled debt restructurings that subsequently defaulted during three and nine months ended September 30, 2011.
|  | Three Months Ended September 30, 2011 |  |  | Nine Months Ended September 30, 2011 |
|  | Number of Contracts |  |  | Recorded Investment |  |  | Number of Contracts |  |  | Recorded Investment |
Troubled debt restructurings that subsequently defaulted which were restructured during the last twelve months (dollars in thousands): |  |  |  |  |  |  |  |  |  |  |  |
Real estate mortgage loans-Land and construction |  |  | 1 |  |  | $ | 2,806 |  |  |  | 1 |  |  | $ | 2,806 |

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