XML 53 R21.htm IDEA: XBRL DOCUMENT v2.4.0.6
Loans (Tables)
 3 Months Ended
Mar. 31, 2013
Loans [Abstract]  
Loan Portfolio Segmented By Risk Class

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

(In Thousands)

Commercial

Real estate construction one-to-four family

Real estate construction other

Real estate term owner occupied

Real estate term non-owner occupied

Real estate term other

Consumer secured by 1st deeds of trust

Consumer other

Total

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

March 31, 2013

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

AQR Pass

$
281,060 

$
25,437 

$
20,763 

$
72,265 

$
234,815 

$
30,021 

$
16,332 

$
17,402 

$
698,095 

AQR Special Mention

 
6,681 

 
2,342 

 
1,748 

 
3,897 

 
2,504 

 

 -

 
501 

 
276 

 
17,949 

AQR Substandard

 
1,450 

 
2,505 

 

 -

 
287 

 
2,058 

 
1,605 

 
203 

 
315 

 
8,423 

AQR Doubtful

 
14 

 

 -

 

 -

 

 -

 

 -

 

 -

 

 -

 

 -

 
14 

AQR Loss

 
184 

 

 -

 

 -

 
405 

 

 -

 

 -

 

 -

 

 -

 
589 

  Subtotal

$
289,389 

$
30,284 

$
22,511 

$
76,854 

$
239,377 

$
31,626 

$
17,036 

$
17,993 

$
725,070 

Less: Unearned origination fees, net of origination costs

 

 

 

 

 
(3,461)

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

$
721,609 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

December 31, 2012

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

AQR Pass

$
265,562 

$
28,780 

$
21,061 

$
73,985 

$
230,010 

$
28,304 

$
16,911 

$
17,817 

$
682,430 

AQR Special Mention

 
6,064 

 
1,282 

 

 -

 
2,522 

 
2,546 

 
126 

 
620 

 
238 

 
13,398 

AQR Substandard

 
1,597 

 
2,511 

 

 -

 
1,600 

 
2,087 

 
3,379 

 
183 

 
250 

 
11,607 

AQR Doubtful

 
189 

 

 -

 

 -

 

 -

 

 -

 

 -

 

 -

 

 -

 
189 

AQR Loss

 
20 

 

 -

 

 -

 

 -

 

 -

 

 -

 

 -

 

 -

 
20 

  Subtotal

$
273,432 

$
32,573 

$
21,061 

$
78,107 

$
234,643 

$
31,809 

$
17,714 

$
18,305 

$
707,644 

Less: Unearned origination fees, net of origination costs

 

 

 

 

 
(3,431)

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

$
704,213 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Nonaccrual Loans By Segment

 

 

 

 

 

 

 

 

 

 

 

 

 

 

(In  Thousands)

March 31, 2013

 

December 31, 2012

 

Commercial

$
999 

 

$
1,214 

 

Real estate construction one-to-four family

 
1,240 

 

 
1,264 

 

Real estate term non-owner occupied

 
174 

 

 
185 

 

Real estate term other

 
1,448 

 

 
1,451 

 

Consumer secured by 1st deeds of trust

 
203 

 

 
183 

 

Consumer other

 
228 

 

 
234 

 

    Total

$
4,292 

 

$
4,531 

 

 

 

 

 

 

 

 

 

Past Due Loans And Nonaccrual Loans

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

(In Thousands)

30-59 Days
Past Due
Still
Accruing

 

60-89 Days
Past Due
Still
Accruing

 

Greater Than
90 Days
Still
Accruing

 

Nonaccrual

 

Total Past
Due

 

Current

 

Total

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

March 31, 2013

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

AQR Pass

$
903 

 

$
61 

 

$

 -

 

$

 -

 

$
964 

 

$
697,131 

 

$
698,095 

AQR Special Mention

 
811 

 

 
405 

 

 
112 

 

 
470 

 

 
1,798 

 

 
16,151 

 

 
17,949 

AQR Substandard

 
195 

 

 

 -

 

 

 -

 

 
3,625 

 

 
3,820 

 

 
4,603 

 

 
8,423 

AQR Doubtful

 

 -

 

 

 -

 

 

 -

 

 
14 

 

 
14 

 

 

 -

 

 
14 

AQR Loss

 

 -

 

 

 -

 

 

 -

 

 
183 

 

 
183 

 

 
406 

 

 
589 

  Subtotal

$
1,909 

 

$
466 

 

$
112 

 

$
4,292 

 

$
6,779 

 

$
718,291 

 

$
725,070 

Less: Unearned origination fees,  net of origination costs

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 
(3,461)

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

$
721,609 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

December 31, 2012

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

AQR Pass

$
401 

 

$

 -

 

$

 -

 

$

 -

 

$
401 

 

$
682,029 

 

$
682,430 

AQR Special Mention

 
534 

 

 

 -

 

 

 -

 

 
596 

 

 
1,130 

 

 
12,268 

 

 
13,398 

AQR Substandard

 

 -

 

 

 -

 

 

 -

 

 
3,726 

 

 
3,726 

 

 
7,881 

 

 
11,607 

AQR Doubtful

 

 -

 

 

 -

 

 

 -

 

 
189 

 

 
189 

 

 

 -

 

 
189 

AQR Loss

 

 -

 

 

 -

 

 

 -

 

 
20 

 

 
20 

 

 

 -

 

 
20 

  Subtotal

$
935 

 

$
0 

 

$

 -

 

$
4,531 

 

$
5,466 

 

$
702,178 

 

$
707,644 

Less: Unearned origination fees,  net of origination costs

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 
(3,431)

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

$
704,213 

 

Impaired Loans

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

(In Thousands)

Recorded Investment

 

Unpaid Principal Balance

 

Related Allowance

March 31, 2013

 

 

 

 

 

 

 

 

With no related allowance recorded

 

 

 

 

 

 

 

 

    Commercial - AQR special mention

$
523 

 

$
523 

 

$

 -

    Commercial - AQR substandard

 
941 

 

 
986 

 

 

 -

    Real estate construction one-to-four family - AQR special mention

 
470 

 

 
470 

 

 

 -

    Real estate construction other - AQR pass

 
2,497 

 

 
2,498 

 

 

 -

    Real estate term owner occupied- AQR special mention

 
1,081 

 

 
1,081 

 

 

 -

    Real estate term owner occupied- AQR loss

 
405 

 

 
405 

 

 

 -

    Real estate term non-owner occupied- AQR special mention

 
546 

 

 
546 

 

 

 -

    Real estate term non-owner occupied- AQR substandard

 
1,677 

 

 
1,677 

 

 

 -

    Real estate term other - AQR substandard

 
1,605 

 

 
1,964 

 

 

 -

    Consumer secured by 1st deeds of trust - AQR pass

 
91 

 

 
91 

 

 

 -

    Consumer secured by 1st deeds of trust - AQR special mention

 
86 

 

 
86 

 

 

 -

    Consumer other - AQR substandard

 
230 

 

 
312 

 

 

 -

Subtotal

$
10,152 

 

$
10,639 

 

$

 -

 

 

 

 

 

 

 

 

 

 

 

With an allowance recorded

 

 

 

 

 

 

 

 

    Commercial - AQR substandard

$
309 

 

$
309 

 

$
244 

    Commercial - AQR loss

 
183 

 

 
183 

 

 
151 

    Real estate construction one-to-four family - AQR substandard

 
770 

 

 
770 

 

 
242 

    Consumer secured by 1st deeds of trust - AQR substandard

 
197 

 

 
197 

 

 
22 

Subtotal

$
1,459 

 

$
1,459 

 

$
659 

 

 

 

 

 

 

 

 

 

 

 

Total

 

 

 

 

 

 

 

 

    Commercial - AQR special mention

$
523 

 

$
523 

 

$

 -

    Commercial - AQR substandard

 
1,250 

 

 
1,295 

 

 
244 

    Commercial - AQR loss

 
183 

 

 
183 

 

 
151 

    Real estate construction one-to-four family - AQR special mention

 
470 

 

 
470 

 

 

 -

    Real estate construction one-to-four family - AQR substandard

 
770 

 

 
770 

 

 
242 

    Real estate construction other - AQR pass

 
2,497 

 

 
2,498 

 

 

 -

    Real estate term owner-occupied - AQR special mention

 
1,081 

 

 
1,081 

 

 

 -

    Real estate term owner-occupied - AQR loss

 
405 

 

 
405 

 

 

 -

    Real estate term non-owner occupied - AQR special mention

 
546 

 

 
546 

 

 

 -

    Real estate term non-owner occupied - AQR substandard

 
1,677 

 

 
1,677 

 

 

 -

    Real estate term other - AQR substandard

 
1,605 

 

 
1,964 

 

 

 -

    Consumer secured by 1st deeds of trust - AQR pass

 
91 

 

 
91 

 

 

 -

    Consumer secured by 1st deeds of trust - AQR special mention

 
86 

 

 
86 

 

 

 -

    Consumer secured by 1st deeds of trust - AQR substandard

 
197 

 

 
197 

 

 
22 

    Consumer other - AQR substandard

 
230 

 

 
312 

 

 

 -

Total Impaired Loans

$
11,611 

 

$
12,098 

 

$
659 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

(In Thousands)

Recorded Investment

 

Unpaid Principal Balance

 

Related Allowance

December 31, 2012

 

 

 

 

 

 

 

 

With no related allowance recorded

 

 

 

 

 

 

 

 

    Commercial - AQR pass

$
53 

 

$
53 

 

$

 -

    Commercial - AQR special mention

 
332 

 

 
332 

 

 

 -

    Commercial - AQR substandard

 
981 

 

 
1,064 

 

 

 -

    Real estate construction one-to-four family - AQR special mention

 
470 

 

 
470 

 

 

 -

    Real estate construction other - AQR pass

 
2,748 

 

 
2,748 

 

 

 -

    Real estate term owner occupied - AQR special mention

 
1,083 

 

 
1,083 

 

 

 -

    Real estate term non-owner occupied - AQR special mention

 
555 

 

 
555 

 

 

 -

    Real estate term non-owner occupied - AQR substandard

 
1,705 

 

 
1,705 

 

 

 -

    Real estate term other - AQR special mention

 
126 

 

 
205 

 

 

 -

    Real estate term other - AQR substandard

 
3,379 

 

 
3,659 

 

 

 -

    Consumer secured by 1st deeds of trust - AQR pass

 
93 

 

 
93 

 

 

 -

    Consumer other - AQR doubtful

 
158 

 

 
240 

 

 

 -

Subtotal

$
11,683 

 

$
12,207 

 

$

 -

 

 

 

 

 

 

 

 

 

 

 

With an allowance recorded

 

 

 

 

 

 

 

 

    Commercial - AQR substandard

$
427 

 

$
427 

 

$
284 

    Commercial - AQR doubtful

 
189 

 

 
189 

 

 
160 

    Real estate construction one-to-four family - AQR doubtful

 
794 

 

 
794 

 

 
215 

Subtotal

$
1,410 

 

$
1,410 

 

$
659 

 

 

 

 

 

 

 

 

 

 

 

Total

 

 

 

 

 

 

 

 

    Commercial - AQR pass

$
53 

 

$
53 

 

$

 -

    Commercial - AQR special mention

 
332 

 

 
332 

 

 

 -

    Commercial - AQR substandard

 
1,408 

 

 
1,491 

 

 
284 

    Commercial - AQR doubtful

 
189 

 

 
189 

 

 
160 

    Real estate construction one-to-four family - AQR special mention

 
470 

 

 
470 

 

 

 -

    Real estate construction one-to-four family - AQR doubtful

 
794 

 

 
794 

 

 
215 

    Real estate construction other - AQR pass

 
2,748 

 

 
2,748 

 

 

 -

    Real estate term owner occupied - AQR special mention

 
1,083 

 

 
1,083 

 

 

 -

    Real estate term non-owner occupied - AQR special mention

 
555 

 

 
555 

 

 

 -

    Real estate term non-owner occupied - AQR substandard

 
1,705 

 

 
1,705 

 

 

 -

    Real estate term other - AQR special mention

 
126 

 

 
205 

 

 

 -

    Real estate term other - AQR substandard

 
3,379 

 

 
3,659 

 

 

 -

    Consumer secured by 1st deeds of trust - AQR pass

 
93 

 

 
93 

 

 

 -

    Consumer other - AQR doubtful

 
158 

 

 
240 

 

 

 -

Total Impaired Loans

$
13,093 

 

$
13,617 

 

$
659 

 

 

The unpaid principal balance included in the table above represents the recorded investment at the dates indicated, plus amounts charged off for book purposes.

 

The following table summarizes our average recorded investment and interest income recognized on impaired loans for the three months ended March 31, 2013 and 2012, respectively:

 

 

 

 

 

 

 

 

 

 

 

 

 

Three Months Ended March 31,

2013

 

2012

(In Thousands)

Average Recorded Investment

 

Interest Income Recognized

 

Average Recorded Investment

 

Interest Income Recognized

With no related allowance recorded

 

 

 

 

 

 

 

 

 

 

 

    Commercial - AQR pass

$

 -

 

$

 -

 

$
744 

 

$
14 

    Commercial - AQR special mention

 
486 

 

 
11 

 

 
178 

 

 
2 

    Commercial - AQR substandard

 
962 

 

 
14 

 

 
803 

 

 
3 

    Commercial - AQR doubtful

 

 -

 

 

 -

 

 
1,074 

 

 

 -

    Commercial - AQR loss

 

 -

 

 

 -

 

 
112 

 

 

 -

    Real estate construction one-to-four family - AQR special mention

 
470 

 

 

 -

 

 

 -

 

 

 -

    Real estate construction other - AQR pass

 
2,623 

 

 

 -

 

 

 -

 

 

 -

    Real estate term owner occupied- AQR special mention

 
1,082 

 

 
20 

 

 
505 

 

 
7 

    Real estate term owner occupied - AQR doubtful

 

 -

 

 

 -

 

 
373 

 

 

 -

    Real estate term owner occupied- AQR loss

 
406 

 

 
5 

 

 

 -

 

 

 -

    Real estate term non-owner occupied - AQR pass

 

 -

 

 

 -

 

 
1,651 

 

 
31 

    Real estate term non-owner occupied- AQR special mention

 
550 

 

 
9 

 

 

 -

 

 

 -

    Real estate term non-owner occupied- AQR substandard

 
1,691 

 

 
33 

 

 
2,278 

 

 
44 

    Real estate term other - AQR pass

 

 -

 

 

 -

 

 
161 

 

 
6 

    Real estate term other - AQR special mention

 

 -

 

 

 -

 

 
164 

 

 

 -

    Real estate term other - AQR substandard

 
1,607 

 

 
7 

 

 
2,488 

 

 

 -

    Consumer secured by 1st deeds of trust - AQR pass

 
92 

 

 
1 

 

 
96 

 

 
1 

    Consumer secured by 1st deeds of trust - AQR special mention

 
86 

 

 
1 

 

 

 -

 

 

 -

    Consumer other - AQR pass

 

 -

 

 

 -

 

 
121 

 

 
2 

    Consumer other - AQR substandard

 
232 

 

 
1 

 

 
52 

 

 

 -

Subtotal

$
10,287 

 

$
102 

 

$
10,800 

 

$
110 

With an allowance recorded

 

 

 

 

 

 

 

 

 

 

 

    Commercial - AQR pass

$

 -

 

$

 -

 

$
180 

 

$

 -

    Commercial - AQR special mention

 

 -

 

 

 -

 

 
258 

 

 

 -

    Commercial - AQR substandard

 
315 

 

 

 -

 

 
207 

 

 

 -

    Commercial - AQR doubtful

 

 -

 

 

 -

 

 
221 

 

 

 -

    Commercial - AQR loss

 
187 

 

 

 -

 

 
218 

 

 

 -

    Real estate construction one-to-four family - AQR substandard

 
782 

 

 

 -

 

 
964 

 

 

 -

    Consumer secured by 1st deeds of trust - AQR substandard

 
199 

 

 

 -

 

 

 -

 

 

 -

Subtotal

$
1,483 

 

$

 -

 

$
2,048 

 

$

 -

Total

 

 

 

 

 

 

 

 

 

 

 

    Commercial - AQR pass

$

 -

 

$

 -

 

$
924 

 

$
14 

    Commercial - AQR special mention

 
486 

 

 
11 

 

 
436 

 

 
2 

    Commercial - AQR substandard

 
1,277 

 

 
14 

 

 
1,010 

 

 
3 

    Commercial - AQR doubtful

 

 -

 

 

 -

 

 
1,295 

 

 

 -

    Commercial - AQR loss

 
187 

 

 

 -

 

 
330 

 

 

 -

    Real estate construction one-to-four family - AQR special mention

 
470 

 

 

 -

 

 

 -

 

 

 -

    Real estate construction one-to-four family - AQR substandard

 
782 

 

 

 -

 

 
964 

 

 

 -

    Real estate construction other - AQR pass

 
2,623 

 

 

 -

 

 

 -

 

 

 -

    Real estate term owner-occupied - AQR special mention

 
1,082 

 

 
20 

 

 
505 

 

 
7 

    Real estate term owner-occupied - AQR doubtful

 

 -

 

 

 -

 

 
373 

 

 

 -

    Real estate term owner-occupied - AQR loss

 
406 

 

 
5 

 

 

 -

 

 

 -

    Real estate term non-owner occupied - AQR pass

 

 -

 

 

 -

 

 
1,651 

 

 
31 

    Real estate term non-owner occupied - AQR special mention

 
550 

 

 
9 

 

 

 -

 

 

 -

    Real estate term non-owner occupied - AQR substandard

 
1,691 

 

 
33 

 

 
2,278 

 

 
44 

    Real estate term other - AQR pass

 

 -

 

 

 -

 

 
161 

 

 
6 

    Real estate term other - AQR special mention

 

 -

 

 

 -

 

 
164 

 

 

 -

    Real estate term other - AQR substandard

 
1,607 

 

 
7 

 

 
2,488 

 

 

 -

    Consumer secured by 1st deeds of trust - AQR pass

 
92 

 

 
1 

 

 
96 

 

 
1 

    Consumer secured by 1st deeds of trust - AQR special mention

 
86 

 

 
1 

 

 

 -

 

 

 -

    Consumer secured by 1st deeds of trust - AQR substandard

 
199 

 

 

 -

 

 

 -

 

 

 -

    Consumer other - AQR pass

 

 -

 

 

 -

 

 
121 

 

 
2 

    Consumer other - AQR substandard

 
232 

 

 
1 

 

 
52 

 

 

 -

Total

$
11,770 

 

$
102 

 

$
12,848 

 

$
110 

 

Troubled Debt Restructurings That Subsequently Defaulted

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

March 31, 2013

 

March 31, 2012

 

Number

Recorded

 

Recorded

(In  Thousands)

of Contracts

Investment

 

Investment

Troubled Debt Restructurings that Subsequently Defaulted:

 

 

 

 

 

 

    Commercial - AQR substandard

1

$

 -

 

$
138 

    Commercial - AQR doubtful

1

 

 -

 

 
218 

                   Total

2

$

 -

 

$
356