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Loans (Tables)
 6 Months Ended
Jun. 30, 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

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

June 30, 2013

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

AQR Pass

$
291,374 

$
28,015 

$
17,804 

$
74,688 

$
219,643 

$
31,272 

$
16,126 

$
17,606 

$
696,528 

AQR Special Mention

 
6,146 

 
4,383 

 
1,748 

 
3,215 

 
3,098 

 

 -

 
408 

 
96 

 
19,094 

AQR Substandard

 
1,513 

 
745 

 

 -

 
286 

 
1,380 

 
1,479 

 
194 

 
353 

 
5,950 

AQR Doubtful

 

 -

 

 -

 

 -

 

 -

 

 -

 

 -

 

 -

 

 -

 

 -

AQR Loss

 

 -

 

 -

 

 -

 

 -

 

 -

 

 -

 

 -

 

 -

 

 -

  Subtotal

$
299,033 

$
33,143 

$
19,552 

$
78,189 

$
224,121 

$
32,751 

$
16,728 

$
18,055 

$
721,572 

Less: Unearned origination fees, net of origination costs

 

 

 

 

 
(3,415)

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

$
718,157 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

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)

June 30, 2013

 

December 31, 2012

 

Commercial

$
717 

 

$
1,214 

 

Real estate construction one-to-four family

 
1,215 

 

 
1,264 

 

Real estate term non-owner occupied

 
165 

 

 
185 

 

Real estate term other

 
1,322 

 

 
1,451 

 

Consumer secured by 1st deeds of trust

 
194 

 

 
183 

 

Consumer other

 
220 

 

 
234 

 

    Total

$
3,833 

 

$
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

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

June 30, 2013

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

AQR Pass

$
273 

 

$
81 

 

$

 -

 

$

 -

 

$
354 

 

$
696,174 

 

$
696,528 

AQR Special Mention

 
1,488 

 

 
193 

 

 

 -

 

 
470 

 

 
2,151 

 

 
16,943 

 

 
19,094 

AQR Substandard

 

 -

 

 
70 

 

 

 -

 

 
3,363 

 

 
3,433 

 

 
2,517 

 

 
5,950 

AQR Doubtful

 

 -

 

 

 -

 

 

 -

 

 

 -

 

 

 -

 

 

 -

 

 

 -

AQR Loss

 

 -

 

 

 -

 

 

 -

 

 

 -

 

 

 -

 

 

 -

 

 

 -

  Subtotal

$
1,761 

 

$
344 

 

$

 -

 

$
3,833 

 

$
5,938 

 

$
715,634 

 

$
721,572 

Less: Unearned origination fees,  net of origination costs

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 
(3,415)

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

$
718,157 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

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 

 

$

 -

 

$

 -

 

$
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

June 30, 2013

 

 

 

 

 

 

 

 

With no related allowance recorded

 

 

 

 

 

 

 

 

    Commercial - AQR pass

$
183 

 

$
183 

 

$

 -

    Commercial - AQR special mention

 
329 

 

 
329 

 

 

 -

    Commercial - AQR substandard

 
837 

 

 
882 

 

 

 -

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

 
470 

 

 
470 

 

 

 -

    Real estate construction other - AQR pass

 
2,248 

 

 
2,248 

 

 

 -

    Real estate term owner occupied- AQR pass

 
518 

 

 
518 

 

 

 -

    Real estate term owner occupied- AQR special mention

 
920 

 

 
920 

 

 

 -

    Real estate term owner occupied- AQR substandard

 
286 

 

 
286 

 

 

 -

    Real estate term non-owner occupied- AQR special mention

 
1,189 

 

 
1,189 

 

 

 -

    Real estate term non-owner occupied- AQR substandard

 
1,366 

 

 
1,366 

 

 

 -

    Real estate term other - AQR substandard

 
1,479 

 

 
1,758 

 

 

 -

    Consumer secured by 1st deeds of trust - AQR pass

 
90 

 

 
90 

 

 

 -

    Consumer other - AQR substandard

 
228 

 

 
310 

 

 

 -

Subtotal

$
10,143 

 

$
10,549 

 

$

 -

 

 

 

 

 

 

 

 

 

 

 

With an allowance recorded

 

 

 

 

 

 

 

 

    Commercial - AQR substandard

$
119 

 

$
119 

 

$
54 

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

 
745 

 

 
745 

 

 
215 

    Consumer secured by 1st deeds of trust - AQR substandard

 
194 

 

 
194 

 

 
18 

Subtotal

$
1,058 

 

$
1,058 

 

$
287 

 

 

 

 

 

 

 

 

 

 

 

Total

 

 

 

 

 

 

 

 

    Commercial - AQR pass

$
183 

 

$
183 

 

$

 -

    Commercial - AQR special mention

 
329 

 

 
329 

 

 

 -

    Commercial - AQR substandard

 
956 

 

 
1,001 

 

 
54 

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

 
470 

 

 
470 

 

 

 -

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

 
745 

 

 
745 

 

 
215 

    Real estate construction other - AQR pass

 
2,248 

 

 
2,248 

 

 

 -

    Real estate term owner-occupied - AQR pass

 
518 

 

 
518 

 

 

 -

    Real estate term owner-occupied - AQR special mention

 
920 

 

 
920 

 

 

 -

    Real estate term owner-occupied - AQR substandard

 
286 

 

 
286 

 

 

 -

    Real estate term non-owner occupied - AQR special mention

 
1,189 

 

 
1,189 

 

 

 -

    Real estate term non-owner occupied - AQR substandard

 
1,366 

 

 
1,366 

 

 

 -

    Real estate term other - AQR substandard

 
1,479 

 

 
1,758 

 

 

 -

    Consumer secured by 1st deeds of trust - AQR pass

 
90 

 

 
90 

 

 

 -

    Consumer secured by 1st deeds of trust - AQR substandard

 
194 

 

 
194 

 

 
18 

    Consumer other - AQR substandard

 
228 

 

 
310 

 

 

 -

Total Impaired Loans

$
11,201 

 

$
11,607 

 

$
287 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

(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 and six month periods ended June 30, 2013 and 2012, respectively:

 

 

 

 

 

 

 

 

 

 

 

 

 

Three Months Ended June 30,

2013

 

2012

(In Thousands)

Average Recorded Investment

 

Interest Income Recognized

 

Average Recorded Investment

 

Interest Income Recognized

With no related allowance recorded

 

 

 

 

 

 

 

 

 

 

 

    Commercial - AQR pass

$
184 

 

$
8 

 

$
334 

 

$

 -

    Commercial - AQR special mention

 
333 

 

 
4 

 

 
273 

 

 
9 

    Commercial - AQR substandard

 
837 

 

 
7 

 

 
1,145 

 

 

 -

    Commercial - AQR doubtful

 

 -

 

 

 -

 

 
528 

 

 

 -

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

 
470 

 

 

 -

 

 

 -

 

 

 -

    Real estate construction other - AQR pass

 
2,373 

 

 

 -

 

 
2,872 

 

 
67 

    Real estate term owner occupied- AQR pass

 
519 

 

 
29 

 

 

 -

 

 

 -

    Real estate term owner occupied- AQR special mention

 
942 

 

 
13 

 

 
530 

 

 
11 

    Real estate term owner occupied- AQR substandard

 
286 

 

 

 -

 

 

 -

 

 

 -

    Real estate term non-owner occupied - AQR pass

 

 -

 

 

 -

 

 
1,631 

 

 
32 

    Real estate term non-owner occupied- AQR special mention

 
1,203 

 

 
49 

 

 
402 

 

 
7 

    Real estate term non-owner occupied- AQR substandard

 
1,002 

 

 
5 

 

 
378 

 

 

 -

    Real estate term other - AQR special mention

 

 -

 

 

 -

 

 
153 

 

 

 -

    Real estate term other - AQR substandard

 
1,479 

 

 
6 

 

 
2,046 

 

 
79 

    Consumer secured by 1st deeds of trust - AQR pass

 
91 

 

 
1 

 

 
95 

 

 
2 

    Consumer other - AQR pass

 

 -

 

 

 -

 

 
115 

 

 
2 

    Consumer other - AQR substandard

 
229 

 

 
2 

 

 

 -

 

 

 -

Subtotal

$
9,948 

 

$
124 

 

$
10,502 

 

$
209 

With an allowance recorded

 

 

 

 

 

 

 

 

 

 

 

    Commercial - AQR special mention

$

 -

 

$

 -

 

$
171 

 

$

 -

    Commercial - AQR substandard

 
125 

 

 

 -

 

 
101 

 

 

 -

    Commercial - AQR doubtful

 

 -

 

 

 -

 

 
217 

 

 

 -

    Commercial - AQR loss

 

 -

 

 

 -

 

 
210 

 

 

 -

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

 
758 

 

 

 -

 

 
882 

 

 

 -

    Real estate term other - AQR substandard

 

 -

 

 

 -

 

 
2,168 

 

 

 -

    Real estate term other - AQR doubtful

 

 -

 

 

 -

 

 
236 

 

 

 -

    Consumer secured by 1st deed of trust - AQR pass

 

 -

 

 

 -

 

 
176 

 

 

 -

    Consumer secured by 1st deeds of trust - AQR substandard

 
195 

 

 

 -

 

 
52 

 

 

 -

Subtotal

$
1,078 

 

$

 -

 

$
4,213 

 

$

 -

Total

 

 

 

 

 

 

 

 

 

 

 

    Commercial - AQR pass

$
184 

 

$
8 

 

$
334 

 

$

 -

    Commercial - AQR special mention

 
333 

 

 
4 

 

 
444 

 

 
9 

    Commercial - AQR substandard

 
962 

 

 
7 

 

 
1,246 

 

 

 -

    Commercial - AQR doubtful

 

 -

 

 

 -

 

 
745 

 

 

 -

    Commercial - AQR loss

 

 -

 

 

 -

 

 
210 

 

 

 -

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

 
470 

 

 

 -

 

 

 -

 

 

 -

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

 
758 

 

 

 -

 

 
882 

 

 

 -

    Real estate construction other - AQR pass

 
2,373 

 

 

 -

 

 
2,872 

 

 
67 

    Real estate term owner-occupied - AQR pass

 
519 

 

 
29 

 

 

 -

 

 

 -

    Real estate term owner-occupied - AQR special mention

 
942 

 

 
13 

 

 
530 

 

 
11 

    Real estate term owner-occupied - AQR substandard

 
286 

 

 

 -

 

 

 -

 

 

 -

    Real estate term non-owner occupied - AQR pass

 

 -

 

 

 -

 

 
1,631 

 

 
32 

    Real estate term non-owner occupied - AQR special mention

 
1,203 

 

 
49 

 

 
402 

 

 
7 

    Real estate term non-owner occupied - AQR substandard

 
1,002 

 

 
5 

 

 
378 

 

 

 -

    Real estate term other - AQR special mention

 

 -

 

 

 -

 

 
153 

 

 

 -

    Real estate term other - AQR substandard

 
1,479 

 

 
6 

 

 
4,214 

 

 
79 

    Real estate term other - AQR doubtful

 

 -

 

 

 -

 

 
236 

 

 

 -

    Consumer secured by 1st deeds of trust - AQR pass

 
91 

 

 
1 

 

 
271 

 

 
2 

    Consumer secured by 1st deeds of trust - AQR substandard

 
195 

 

 

 -

 

 
52 

 

 

 -

    Consumer other - AQR pass

 

 -

 

 

 -

 

 
115 

 

 
2 

    Consumer other - AQR substandard

 
229 

 

 
2 

 

 

 -

 

 

 -

Total Impaired Loans

$
11,026 

 

$
124 

 

$
14,715 

 

$
209 

 

 

 

 

 

 

 

 

 

 

 

 

 

Six Months Ended June 30,

2013

 

2012

(In Thousands)

Average Recorded Investment

 

Interest Income Recognized

 

Average Recorded Investment

 

Interest Income Recognized

With no related allowance recorded

 

 

 

 

 

 

 

 

 

 

 

    Commercial - AQR pass

$
184 

 

$
8 

 

$
314 

 

$
11 

    Commercial - AQR special mention

 
296 

 

 
15 

 

 
264 

 

 
11 

    Commercial - AQR substandard

 
903 

 

 
21 

 

 
1,169 

 

 
2 

    Commercial - AQR doubtful

 

 -

 

 

 -

 

 
789 

 

 

 -

    Commercial - AQR loss

 

 -

 

 

 -

 

 
112 

 

 

 -

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

 
470 

 

 

 -

 

 

 -

 

 

 -

    Real estate construction other - AQR pass

 
2,498 

 

 

 -

 

 
1,450 

 

 
134 

    Real estate term owner occupied- AQR pass

 
521 

 

 
23 

 

 

 -

 

 

 -

    Real estate term owner occupied- AQR special mention

 
943 

 

 
33 

 

 
503 

 

 
18 

    Real estate term owner occupied- AQR substandard

 
144 

 

 
11 

 

 
406 

 

 
5 

    Real estate term non-owner occupied- AQR pass

 

 -

 

 

 -

 

 
1,640 

 

 
63 

    Real estate term non-owner occupied- AQR special mention

 
1,216 

 

 
58 

 

 
203 

 

 
14 

    Real estate term non-owner occupied- AQR substandard

 
1,193 

 

 
38 

 

 
383 

 

 
22 

    Real estate term other - AQR special mention

 

 

 

 

 

 

 
159 

 

 

 -

    Real estate term other - AQR substandard

 
1,544 

 

 
13 

 

 
2,047 

 

 
79 

    Consumer secured by 1st deeds of trust - AQR pass

 
91 

 

 
2 

 

 
96 

 

 
3 

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

 
43 

 

 
1 

 

 

 -

 

 

 -

    Consumer other - AQR pass

 

 -

 

 

 -

 

 
119 

 

 
4 

    Consumer other - AQR substandard

 
231 

 

 
3 

 

 

 -

 

 

 -

Subtotal

$
10,277 

 

$
226 

 

$
9,654 

 

$
366 

 

 

 

 

 

 

 

 

 

 

 

 

With an allowance recorded

 

 

 

 

 

 

 

 

 

 

 

    Commercial - AQR special mention

$

 -

 

$

 -

 

$
304 

 

$

 -

    Commercial - AQR substandard

 
218 

 

 

 -

 

 
87 

 

 

 -

    Commercial - AQR doubtful

 

 -

 

 

 -

 

 
220 

 

 

 -

    Commercial - AQR loss

 
93 

 

 

 -

 

 
215 

 

 

 -

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

 
770 

 

 

 -

 

 
924 

 

 

 -

    Real estate term other - AQR substandard

 

 -

 

 

 -

 

 
2,397 

 

 

 -

    Real estate term other - AQR doubtful

 

 -

 

 

 -

 

 
309 

 

 

 -

    Consumer secured by 1st deeds of trust - AQR pass

 

 -

 

 

 -

 

 
88 

 

 

 -

    Consumer secured by 1st deeds of trust - AQR substandard

 
197 

 

 

 -

 

 

 -

 

 

 -

    Consumer other - AQR substandard

 

 -

 

 

 -

 

 
52 

 

 

 -

Subtotal

$
1,278 

 

$

 -

 

$
4,596 

 

$

 -

 

 

 

 

 

 

 

 

 

 

 

 

Total

 

 

 

 

 

 

 

 

 

 

 

    Commercial - AQR pass

$
184 

 

$
8 

 

$
314 

 

$
11 

    Commercial - AQR special mention

 
296 

 

 
15 

 

 
568 

 

 
11 

    Commercial - AQR substandard

 
1,121 

 

 
21 

 

 
1,256 

 

 
2 

    Commercial - AQR doubtful

 

 -

 

 

 -

 

 
1,009 

 

 

 -

    Commercial - AQR loss

 
93 

 

 

 -

 

 
327 

 

 

 -

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

 
470 

 

 

 -

 

 

 -

 

 

 -

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

 
770 

 

 

 -

 

 
924 

 

 

 -

    Real estate construction other - AQR pass

 
2,498 

 

 

 -

 

 
1,450 

 

 
134 

    Real estate term owner-occupied - AQR pass

 
521 

 

 
23 

 

 

 -

 

 

 -

    Real estate term owner-occupied - AQR special mention

 
943 

 

 
33 

 

 
503 

 

 
18 

    Real estate term owner-occupied - AQR substandard

 
144 

 

 
11 

 

 
406 

 

 
5 

    Real estate term non-owner occupied - AQR pass

 

 -

 

 

 -

 

 
1,640 

 

 
63 

    Real estate term non-owner occupied - AQR special mention

 
1,216 

 

 
58 

 

 
203 

 

 
14 

    Real estate term non-owner occupied - AQR substandard

 
1,193 

 

 
38 

 

 
383 

 

 
22 

    Real estate term other - AQR special mention

 

 -

 

 

 -

 

 
159 

 

 

 -

    Real estate term other - AQR substandard

 
1,544 

 

 
13 

 

 
4,444 

 

 
79 

    Real estate term other - AQR doubtful

 

 -

 

 

 -

 

 
309 

 

 

 -

    Consumer secured by 1st deeds of trust - AQR pass

 
91 

 

 
2 

 

 
184 

 

 
3 

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

 
43 

 

 
1 

 

 

 -

 

 

 -

    Consumer secured by 1st deeds of trust - AQR substandard

 
197 

 

 

 -

 

 

 -

 

 

 -

    Consumer other - AQR pass

 

 -

 

 

 -

 

 
119 

 

 
4 

    Consumer other - AQR substandard

 
231 

 

 
3 

 

 
52 

 

 

 -

Total Impaired Loans

$
11,555 

 

$
226 

 

$
14,250 

 

$
366 

 

Troubled Debt Restructurings That Subsequently Defaulted

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

June 30, 2013

 

June 30, 2012

 

Number

Recorded

 

Recorded

(In  Thousands)

of Contracts

Investment

 

Investment

Troubled Debt Restructurings that Subsequently Defaulted:

 

 

 

 

 

 

    Commercial - AQR pass

1

$

 -

 

$
192 

    Commercial - AQR substandard

1

 

 -

 

 
131 

    Commercial - AQR doubtful

2

 

 -

 

 
563 

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

1

 

 -

 

 
842 

    Real estate term non-owner occupied - AQR pass

1

 

 -

 

 
881 

    Consumer secured by 1st deeds of trust - AQR pass

1

 

 -

 

 
94 

                   Total

7

$

 -

 

$
2,703