Allowance for Loan Losses (Tables)

9 Months Ended

Sep. 30, 2012

Allowance for Loan Losses

Summary of allocation of the allowance as well as the activity in the allowance attributed to various segments in the loan portfolio

	Multi-family			Commercial non-owner occupied			One-to-four family			Construction			Land			Commercial owner occupied			Commercial and industrial			Warehouse			SBA			Other loans			Total
	(dollars in thousands)
Balance, December 31, 2011	$	2,281		$	1,287		$	931		$	—		$	39		$	1,119		$	1,361		$	1,347		$	80		$	77		$	8,522
Charge-offs	—			(88		)	(305		)	—			(5		)	(405		)	(270		)	—			(132		)	(2		)	(1,207		)
Recoveries	—			2			7			—			—			—			2			—			162			25			198
Provisions for (reduction in) loan losses	(184		)	835			(215		)	—			(34		)	437			(269		)	(301		)	(44		)	(80		)	145
Balance, September 30, 2012	$	2,097		$	2,036		$	418		$	—		$	—		$	1,151		$	824		$	1,046		$	66		$	20		$	7,658
Amount of allowance attributed to:
Specifically evaluated impaired loans	$	—		$	—		$	153		$	—		$	—		$	—		$	36		$	—		$	—		$	—		$	189
General portfolio allocation	$	2,097		$	2,036		$	265		$	—		$	—		$	1,151		$	788		$	1,046		$	66		$	20		$	7,469
Loans individually evaluated for impairment	$	1,394		$	460		$	643		$	—		$	—		$	—		$	60		$	—		$	309		$	—		$	2,866
Specific reserves to total loans individually evaluated for impairment	0.00		%	0.00		%	23.79		%	0.00		%	0.00		%	0.00		%	60.00		%	0.00		%	0.00		%	0.00		%	6.59		%
Loans collectively evaluated for impairment	$	172,090		$	261,586		$	62,128		$	308		$	11,005		$	148,139		$	88,045		$	112,053		$	4,427		$	2,191		$	861,972
General reserves to total loans collectively evaluated for impairment	1.22		%	0.78		%	0.43		%	0.00		%	0.00		%	0.78		%	0.89		%	0.93		%	1.49		%	0.91		%	0.87		%
Total gross loans	$	173,484		$	262,046		$	62,771		$	308		$	11,005		$	148,139		$	88,105		$	112,053		$	4,736		$	2,191		$	864,838
Total allowance to gross loans	1.21		%	0.78		%	0.67		%	0.00		%	0.00		%	0.78		%	0.94		%	0.93		%	1.39		%	0.91		%	0.89		%

	Multi- family			Commercial non-owner occupied			One-to-four family			Land			Commercial owner occupied			Commercial and industrial			Warehouse			SBA			Other loans			Total
	(dollars in thousands)
Balance, December 31, 2010	$	2,730		$	1,580		$	332		$	—		$	1,687		$	2,356		$	—		$	145		$	49		$	8,879
Charge-offs	(489		)	(43		)	(1,080		)	(164		)	(98		)	(1,082		)	—			(76		)	(148		)	(3,180		)
Recoveries	—			—			—			—			—			1			—			17			11			95
Provisions for (reduction in) loan losses	872			(119		)	1,419			164			(378		)	(17		)	721			11			121			2,728
Balance, September 30, 2011	$	3,113		$	1,418		$	671		$	—		$	1,211		$	1,258		$	721		$	97		$	33		$	8,522
Amount of allowance attributed to:
Specifically evaluated impaired loans	$	—		$	—		$	—		$	—		$	—		$	—		$	—		$	—		$	—		$	—
General portfolio allocation	$	3,113		$	1,418		$	671		$	—		$	1,211		$	1,258		$	721		$	97		$	33		$	8,522
Loans individually evaluated for impairment	$	1,433		$	2,457		$	1,218		$	198		$	2,760		$	1,983		$	—		$	725		$	—		$	10,774
Specific reserves to total loans individually evaluated for impairment	0.00		%	0.00		%	0.00		%	0.00		%	0.00		%	0.00		%	0.00		%	0.00		%	0.00		%	0.00		%
Loans collectively evaluated for impairment	$	210,081		$	162,340		$	61,420		$	8,298		$	161,508		$	72,451		$	42,644		$	4,145		$	2,215		$	725,102
General reserves to total loans collectively evaluated for impairment	1.48		%	0.87		%	1.09		%	0.00		%	0.75		%	1.74		%	1.69		%	2.34		%	1.49		%	1.18		%
Total gross loans	$	211,514		$	164,797		$	62,638		$	8,496		$	164,268		$	74,434		$	42,644		$	4,870		$	2,215		$	735,876
Total allowance to gross loans	1.47		%	0.86		%	1.07		%	0.00		%	0.74		%	1.69		%	1.69		%	1.99		%	1.49		%	1.16		%