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Foreclosed Real Estate

12 Months Ended

Dec. 31, 2012

Foreclosed Real Estate

Foreclosed Real Estate

(5)  Foreclosed Real Estate

Expenses applicable to foreclosed real estate are as follows (in thousands):

		Year Ended December 31,
		2012				2011
Provision for losses on foreclosed real estate		$	102			$	772
Loss on sale of foreclosed real estate			32				186
Operating expenses			416				361
		$	550			$	1,319

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- Definition

The entire disclosure for real estate owned (as defined). Generally, the largest component of real estate owned by lenders is assets taken in settlement of troubled loans through surrender or foreclosure. Real estate investments, real estate loans that qualify as investments in real estate, and premises that are no longer used in operations may also be included in real estate owned.

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