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Loans (Tables)

12 Months Ended

Dec. 31, 2012

Loans Tables

Schedule of Loans Outstanding

The components of loans are as follows (in thousands):

		At December 31,
		2012				2011
Residential real estate		$	30,064			$	31,142
Multi-family real estate			3,916				4,109
Commercial real estate			39,126				44,312
Land and construction			7,276				11,783
Commercial			7,158				0
Consumer			70				175
Total loans			87,610				91,521
Add (deduct):
Net deferred loan fees, costs and premiums			58				45
Allowance for loan losses			(2,459	)			(2,349	)
Loans, net		$	85,209			$	89,217

Schedule of activity in the allowance for loan losses by class

An analysis of the change in the allowance for loan losses for the years ended December 31, 2012 and 2011 follows (in thousands):

		Residential				Multi-Family				Commercial				Land
		Real				Real				Real				and
		Estate				Estate				Estate				Construction				Commercial				Consumer				Total
Year Ended December 31, 2012:
Beginning balance		$	566			$	247			$	1,334			$	187			$	0			$	15			$	2,349
(Credit) provision for loan losses			(1	)			19				912				531				216				(24	)			1,653
Charge-offs			(147	)			0				(903	)			(798	)			0				0				(1,848	)
Recoveries			16				1				29				246				0				13				305
Ending balance		$	434			$	267			$	1,372			$	166			$	216			$	4			$	2,459
Year Ended December 31, 2011:
Beginning balance		$	1,285			$	282			$	1,542			$	514			$	0			$	80			$	3,703
(Credit) provision for loan losses			(779	)			(42	)			(6	)			755				0				(77	)			(149	)
Charge-offs			(308	)			0				(202	)			(1,229	)			0				0				(1,739	)
Recoveries			368				7				0				147				0				12				534
Ending balance		$	566			$	247			$	1,334			$	187			$	0			$	15			$	2,349

The balance in the allowance for loan losses and the recorded investment in loans by portfolio segment and based on impairment method as of December 31, 2012 and 2011 follows (in thousands):

		Residential				Multi-Family				Commercial				Land
		Real				Real				Real				and
		Estate				Estate				Estate				Construction				Commercial				Consumer				Total
At December 31, 2012:
Individually evaluated for impairment:
Recorded investment		$	7,573			$	0			$	11,535			$	886			$	0			$	0			$	19,994
Balance in allowance for loan losses		$	0			$	0			$	366			$	0			$	0			$	0			$	366
Collectively evaluated for impairment:
Recorded investment		$	22,491			$	3,916			$	27,591			$	6,390			$	7,158			$	70			$	67,616
Balance in allowance for loan losses		$	434			$	267			$	1,006			$	166			$	216			$	4			$	2,093

		Residential				Multi-Family				Commercial				Land
		Real				Real				Real				and
		Estate				Estate				Estate				Construction				Commercial				Consumer				Total
At December 31, 2011:
Individually evaluated for impairment:
Recorded investment		$	7,919			$	0			$	16,716			$	7,241			$	0			$	68			$	31,944
Balance in allowance for loan losses		$	0			$	0			$	11			$	0			$	0			$	0			$	11
Collectively evaluated for impairment:
Recorded investment		$	23,223			$	4,109			$	27,596			$	4,542			$	0			$	107			$	59,577
Balance in allowance for loan losses		$	566			$	247			$	1,323			$	187			$	0			$	15			$	2,338

Schedule of loans by credit quality indicator

The following summarizes the loan credit quality (in thousands):

						OLEM
						(Other Loans
						Especially
		Pass				Mentioned)				Substandard				Doubtful				Loss				Total
At December 31, 2012:
Residential real estate		$	22,491			$	0			$	7,573			$	0			$	0			$	30,064
Multi-family real estate			3,916				0				0				0				0				3,916
Commercial real estate			24,967				2,624				11,535				0				0				39,126
Land and construction			4,402				1,987				887				0				0				7,276
Commercial			7,092				66				0				0				0				7,158
Consumer			70				0				0				0				0				70
Total		$	62,938			$	4,677			$	19,995			$	0			$	0			$	87,610
At December 31, 2011:
Residential real estate		$	22,455			$	3,686			$	5,001			$	0			$	0			$	31,142
Multi-family real estate			4,109				0				0				0				0				4,109
Commercial real estate			23,959				4,776				15,577				0				0				44,312
Land and construction			4,493				49				7,241				0				0				11,783
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

Age analysis of past-due loans is as follows is as follows (in thousands):

		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 December 31, 2012:
Residential real estate		$	0			$	2,915			$	0			$	2,915			$	22,492			$	4,657			$	30,064
Multi-family real estate			0				0				0				0				3,916				0				3,916
Commercial real estate			0				0				0				0				27,591				11,535				39,126
Land and construction			0				0				0				0				6,389				887				7,276
Commercial			699				0				0				699				6,459				0				7,158
Consumer			0				0				0				0				70				0				70
Total		$	699			$	2,915			$	0			$	3,614			$	66,917			$	17,079			$	87,610
At December 31, 2011:
Residential real estate		$	0			$	768			$	0			$	768			$	25,373			$	5,001			$	31,142
Multi-family real estate			0				0				0				0				4,109				0				4,109
Commercial real estate			0				0				0				0				28,735				15,577				44,312
Land and construction			0				0				0				0				4,542				7,241				11,783
Consumer			0				0				0				0				175				0				175
Total		$	0			$	768			$	0			$	768			$	62,934			$	27,819			$	91,521

Schedule of Impaired loans

The following summarizes the amount of impaired loans (in thousands):

		At December 31, 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		$	7,573			$	8,024			$	0			$	7,919			$	8,465			$	0
Commercial real estate			8,661				11,412				0				15,577				17,960				0
Land and construction			886				2,410				0				7,241				11,652				0
Consumer			0				0				0				68				68				0
With an allowance recorded-
Commercial real estate		$	2,874			$	2,874			$	366			$	1,139			$	1,139			$	11
Total:
Residential real estate		$	7,573			$	8,024			$	0			$	7,919			$	8,465			$	0
Commercial real estate		$	11,535			$	14,286			$	366			$	16,716			$	19,099			$	11
Land and construction		$	886			$	2,410			$	0			$	7,241			$	11,652			$	0
Consumer		$	0			$	0			$	0			$	68			$	68			$	0
Total		$	19,994			$	24,720			$	366			$	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):

		For the Year Ended December 31,
		2012												2011
		Average				Interest				Interest				Average				Interest				Interest
		Recorded				Income				Income				Recorded				Income				Income
		Investment				Recognized				Received				Investment				Recognized				Received
Residential real estate		$	7,795			$	175			$	307			$	11,077			$	226			$	306
Multi-family real estate		$	0			$	0			$	0			$	0			$	0			$	0
Commercial real estate		$	14,219			$	0			$	222			$	18,862			$	115			$	376
Land and construction		$	3,729			$	0			$	87			$	7,412			$	21			$	147
Consumer		$	0			$	0			$	0			$	198			$	5			$	5
Total		$	25,743			$	175			$	616			$	37,549			$	367			$	834

Troubled debt restructuring

The following is a summary of loans determined to be troubled debt restructurings (dollars in thousands):

						Pre-				Post-
						Modification				Modification
		Number				Outstanding				Outstanding
		of				Recorded				Recorded
		Contracts				Investment				Investment
Troubled Debt Restructurings:
Year Ended December 31, 2012:
Residential real estate-
Modified interest rate and amortization			1			$	941			$	941
Year Ended December 31, 2011:
Residential real estate-
Modified interest rate and amortization			1			$	1,540			$	1,540
Commercial real estate-
Modified interest rate and amortization			4				5,915				5,915
Land and construction-
Modified interest rate and amortization			1				1,030				1,030
			6			$	8,485			$	8,485

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Tabular disclosure of financing receivables (examples of financing receivables include loans, trade accounts receivable and notes receivable) and activity in the allowance for credit losses account.

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Tabular disclosure of financing receivables by credit quality indicator. The credit quality indicator is a statistic about the credit quality of financing receivables. Examples include, but not limited to, consumer credit risk scores, credit-rating-agency ratings, an entity's internal credit risk grades, loan-to-value ratios, collateral, collection experience and other internal metrics.

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