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Loans and Allowance for Loan Losses (Tables)
 9 Months Ended
Sep. 30, 2012
Receivables [Abstract]  
Loans Receivable
The following table presents loans at September 30, 2012 and December 31, 2011 by class:
 
September 30,
 
December 31,
 
2012
 
2011
 
(in thousands)
Construction and land development
$
147,408

 
$
202,803

Commercial real estate:
 
 
 
Owner occupied
346,908

 
348,931

Non-owner occupied
230,854

 
242,827

Residential mortgages:
 
 
 
1-4 family
174,712

 
179,047

Multifamily
37,987

 
39,881

Home equity lines of credit
196,489

 
201,220

Commercial
168,510

 
177,047

Consumer and other
54,772

 
58,283

Total
1,357,640

 
1,450,039

Less: Net deferred loan origination fees
1,228

 
885

Allowance for loan losses
(27,231
)
 
(32,848
)
Loans, net
$
1,331,637

 
$
1,418,076
Credit Quality Indicators
The following is a summary of credit quality indicators by class at September 30, 2012 and December 31, 2011:

Real Estate Credit Exposure as of September 30, 2012
 
 
 
 
 
 
 
 
 
 
 
Commercial Real Estate
 
 
 
 
 
 
 
Construction
 
Owner
occupied
 
Non-owner
occupied
 
1-4 Family
 
Multifamily
 
Home Equity
 
(in thousands)
High Quality
$
—

 
$
121

 
$
—

 
$
379

 
$
—

 
$
116

Good Quality
480

 
—

 
—

 
1,416

 
—

 
7,566

Satisfactory
22,165

 
107,794

 
59,713

 
96,222

 
7,856

 
119,279

Merits Attention
70,357

 
192,518

 
137,137

 
58,010

 
28,164

 
59,019

Special Mention
22,137

 
23,906

 
21,108

 
8,479

 
575

 
4,223

Substandard
10,428

 
5,171

 
2,013

 
3,087

 
609

 
2,336

Substandard impaired
19,632

 
17,398

 
10,883

 
7,119

 
783

 
3,950

Doubtful
2,209

 
—

 
—

 
—

 
—

 
—

Loss
—

 
—

 
—

 
—

 
—

 
—

 
$
147,408

 
$
346,908

 
$
230,854

 
$
174,712

 
$
37,987

 
$
196,489



Other Credit Exposures as of September 30, 2012
 
 
 
 
 
 
Commercial
 
Consumer
and other
 
Total Loans
 
(in thousands)
High Quality
$
2,620

 
$
2,473

 
$
5,709

Good Quality
5,300

 
1,383

 
16,145

Satisfactory
50,336

 
24,880

 
488,245

Merits Attention
81,934

 
24,748

 
651,887

Special Mention
17,549

 
629

 
98,606

Substandard
1,613

 
88

 
25,345

Substandard impaired
9,158

 
571

 
69,494

Doubtful
—

 
—

 
2,209

Loss
—

 
—

 
—

 
$
168,510

 
$
54,772

 
$
1,357,640


Real Estate Credit Exposure as of December 31, 2011
 
 
 
 
 
 
 
 
 
 
 
Commercial Real Estate
 
 
 
 
 
 
 
Construction
 
Owner
 occupied
 
Non-owner
 occupied
 
1-4 Family
 
Multifamily
 
Home Equity
 
(in thousands)
High Quality
$
—

 
$
126

 
$
—

 
$
423

 
$
—

 
$
132

Good Quality
543

 
32

 
117

 
1,701

 
—

 
7,545

Satisfactory
30,446

 
110,051

 
61,416

 
98,992

 
8,789

 
125,932

Merits Attention
93,974

 
180,173

 
134,247

 
57,310

 
28,824

 
58,576

Special Mention
41,739

 
23,326

 
24,307

 
9,112

 
697

 
4,807

Substandard
5,054

 
10,069

 
11,162

 
3,586

 
629

 
2,006

Substandard impaired
31,047

 
25,154

 
11,578

 
7,923

 
942

 
2,222

Doubtful
—

 
—

 
—

 
—

 
—

 
—

Loss
—

 
—

 
—

 
—

 
—

 
—

 
$
202,803

 
$
348,931

 
$
242,827

 
$
179,047

 
$
39,881

 
$
201,220


Other Credit Exposures as of December 31, 2011
 
 
 
 
 
 
Commercial
 
Consumer
and other
 
Total Loans
 
(in thousands)
High Quality
$
2,690

 
$
1,831

 
$
5,202

Good Quality
5,472

 
1,482

 
16,892

Satisfactory
55,309

 
27,508

 
518,443

Merits Attention
80,064

 
25,607

 
658,775

Special Mention
12,224

 
1,189

 
117,401

Substandard
10,367

 
118

 
42,991

Substandard impaired
10,921

 
548

 
90,335

Doubtful
—

 
—

 
—

Loss
—

 
—

 
—

 
$
177,047

 
$
58,283

 
$
1,450,039
Nonaccrual Loans
The following is a breakdown of nonaccrual loans as of September 30, 2012 and December 31, 2011:
 
September 30, 2012
 
December 31, 2011
 
(in thousands)
Financing Receivables on Nonaccrual status
 
Construction
$
16,497

 
$
26,575

Commercial Real Estate:
 
 
 
Owner occupied
14,771

 
16,339

Non-owner occupied
5,936

 
7,634

Mortgages:
 
 
 
1-4 Family first lien
6,370

 
7,271

Multifamily
713

 
942

Home Equity lines of credit
3,950

 
2,222

Commercial
8,293

 
8,896

Consumer and other
523

 
475

Total
$
57,053

 
$
70,354
Past Due Loan Aging
The following table presents the Bank's aged analysis of past due loans:

 
30-59 Days
 Past Due
 
60-89 Days
 Past Due
 
Greater Than
 90 Days
 
Total Past
 Due
 
Current
 
Total Loans
September 30, 2012
(in thousands)
Construction
$
706

 
$
2,258

 
$
8,223

 
$
11,187

 
$
136,221

 
$
147,408

Commercial real estate:
 
 
 
 
 
 

 
 
 

Owner occupied
1,414

 
1,883

 
3,727

 
7,024

 
339,884

 
346,908

Non-owner occupied
2,686

 
2,178

 
3,141

 
8,005

 
222,849

 
230,854

Commercial
767

 
3,678

 
3,055

 
7,500

 
161,010

 
168,510

Mortgages:
 
 
 
 
 
 

 
 
 

Secured 1-4 family- first lien
2,286

 
1,534

 
3,406

 
7,226

 
167,486

 
174,712

Multifamily
6

 
79

 
—

 
85

 
37,902

 
37,987

Home equity lines of credit
1,345

 
216

 
2,209

 
3,770

 
192,719

 
196,489

Consumer and other
276

 
112

 
258

 
646

 
54,126

 
54,772

Total
$
9,486

 
$
11,938

 
$
24,019

 
$
45,443

 
$
1,312,197

 
$
1,357,640

 
 
 
 
 
 
 
 
 
 
 
 
December 31, 2011
 
 
 
 
 
 
 
 
 
 
 
Construction
$
2,265

 
$
402

 
$
15,538

 
$
18,205

 
$
184,598

 
$
202,803

Commercial real estate:
 
 
 
 
 
 

 
 
 
 
Owner occupied
4,342

 
1,215

 
3,727

 
9,284

 
339,647

 
348,931

Non-owner occupied
9,723

 
86

 
4,679

 
14,488

 
228,339

 
242,827

Commercial
586

 
1,432

 
2,087

 
4,105

 
172,942

 
177,047

Mortgages:
 
 
 
 
 
 

 
 
 
 
Secured 1-4 family- first lien
3,441

 
1,049

 
2,955

 
7,445

 
171,602

 
179,047

Multifamily
277

 
—

 
896

 
1,173

 
38,708

 
39,881

Home equity lines of credit
—

 
634

 
856

 
1,490

 
199,730

 
201,220

Consumer and other
375

 
61

 
128

 
564

 
57,719

 
58,283

Total
$
21,009

 
$
4,879

 
$
30,866

 
$
56,754

 
$
1,393,285

 
$
1,450,039
Impaired Loans
The following table presents the Bank's investment in loans considered to be impaired and related information on those impaired loans as of September 30, 2012 and December 31, 2011:
 
 
 
 
 
Quarter to Date
 
Year to Date
 
Recorded
 Investment
Unpaid
 Principal
 Balance
Related
 Allowance
 
Average
 Recorded
 Investment
Interest Income Recognized
 
Average
 Recorded
 Investment
Interest Income Recognized
September 30, 2012
(in thousands)
 
 
 
 
 
 
 
 
 
 
Impaired loans without a related allowance for loan losses
 
 
 
 
 
 
 
 
 
Construction
$
13,376

$
14,563

$
—

 
$
14,694

$
125

 
$
20,382

$
275

Commercial real estate:
 
 
 
 
 
 
 
 
 
Owner occupied
14,056

14,756

—

 
13,840

23

 
15,594

332

Non-owner occupied
3,506

3,893

—

 
4,017

29

 
8,193

39

Commercial
6,226

6,432

—

 
6,403

—

 
6,316

130

Mortgages:
 
 
 
 
 
 
 
 
 
Secured 1-4 family real estate
968

991

—

 
1,432

—

 
2,680

29

Multifamily
701

884

—

 
703

4

 
702

7

Home equity lines of credit
1,706

1,767

—

 
1,588

—

 
1,320

7

Consumer and other
—

—

—

 
—

—

 
—

—

Impaired loans with a related allowance for loan losses
 
 
 
 
 
 
 
 
 
Construction
$
4,649

$
5,382

$
1,249

 
$
4,106

$
—

 
$
2,379

$
—

Commercial real estate:
 
 
 
 
 
 
 
 
 
Owner occupied
5,212

5,220

279

 
6,154

66

 
6,910

134

Non-owner occupied
4,029

4,300

476

 
3,491

26

 
1,768

42

Commercial
2,790

2,936

1,632

 
2,865

—

 
3,006

164

Mortgages:
 
 
 
 
 
 
 
 
 
Secured 1-4 family real estate
903

919

155

 
449

—

 
411

3

Multifamily
—

—

—

 
—

—

 
30

7

Home equity lines of credit
—

—

—

 
29

—

 
111

—

Consumer and other
—

—

—

 
54

—

 
67

—

Total impaired loans
 
 
 
 
 
 
 
 
 
Construction
$
18,025

$
19,945

$
1,249

 
$
18,800

$
125

 
$
22,761

$
275

Commercial real estate:
 
 
 
 
 
 
 
 
 
Owner occupied
19,268

19,976

279

 
19,994

89

 
22,504

466

Non-owner occupied
7,535

8,193

476

 
7,508

55

 
9,961

81

Commercial
9,016

9,368

1,632

 
9,268

—

 
9,322

294

Mortgages:
 
 
 
 
 
 
 
 
 
Secured 1-4 family real estate
1,871

1,910

155

 
1,881

—

 
3,091

32

Multifamily
701

884

—

 
703

4

 
732

14

Home equity lines of credit
1,706

1,767

—

 
1,617

—

 
1,431

7

Consumer and other
—

—

—

 
54

—

 
67

—

Total impaired loans individually reviewed for impairment
$
58,122

$
62,043

$
3,791

 
$
59,825

$
273

 
$
69,869

$
1,169


 
As of December 31, 2011
 
Quarter to Date September 30, 2011
 
Year to Date September 30, 2011
 
Recorded Investment
Unpaid
 Principal
 Balance
Related
 Allowance
 
Average Recorded Investment
Interest Income Recognized
 
Average Recorded Investment
Interest Income Recognized
 
(in thousands)
Impaired loans without a related allowance for loan losses
 
 
 
 
 
 
 
 
 
Construction
$
28,067

$
40,045

$
—

 
$
22,835

$
81

 
$
26,288

$
139

Commercial real estate:
 
 
 
 
 
 
 
 
 
Owner occupied
17,586

20,070

—

 
10,104

88

 
13,166

175

Non-owner occupied
8,639

11,255

—

 
6,640

59

 
8,591

155

Commercial
6,381

6,436

—

 
2,560

42

 
3,636

126

Mortgages:
 
 
 
 
 
 
 
 
 
Secured 1-4 family real estate
3,843

4,285

—

 
2,372

14

 
2,851

24

Multifamily
295

309

—

 
299

—

 
304

—

Home equity lines of credit
525

694

—

 
707

—

 
725

—

Consumer and other
—

—

—

 
—

—

 
—

—

Impaired loans with a related allowance for loan losses
 
 
 
 
 
 
 
 
 
Construction
$
1,011

$
1,011

$
570

 
$
9,159

$
2

 
$
8,740

$
5

Commercial real estate:
 
 
 
 
 
 
 
 
 
Owner occupied
6,459

6,533

585

 
3,209

7

 
5,891

22

Non-owner occupied
975

1,363

143

 
2,517

—

 
4,994

—

Commercial
2,914

2,920

2,511

 
1,067

24

 
5,218

71

Mortgages:
 
 
 
 
 
 
 
 
 
Secured 1-4 family real estate
498

517

45

 
1,010

2

 
2,331

6

Multifamily
300

319

135

 
460

—

 
454

—

Home equity lines of credit
403

412

112

 
749

—

 
720

—

Consumer and other
—

—

—

 
130

—

 
129

—

Total impaired loans
 
 
 
 
 
 
 
 
 
Construction
$
29,078

$
41,056

$
570

 
$
31,994

$
83

 
$
35,028

$
144

Commercial real estate:
 
 
 
 
 
 
 
 
 
Owner occupied
24,045

26,603

585

 
13,313

95

 
19,057

197

Non-owner occupied
9,614

12,618

143

 
9,157

59

 
13,585

155

Commercial
9,295

9,356

2,511

 
3,627

66

 
8,854

197

Mortgages:
 
 
 
 
 
 
 
 
 
Secured 1-4 family real estate
4,341

4,802

45

 
3,382

16

 
5,182

30

Multifamily
595

628

135

 
759

—

 
758

—

Home equity lines of credit
928

1,106

112

 
1,456

—

 
1,445

—

Consumer and other
—

—

—

 
130

—

 
129

—

Total impaired loan individually reviewed for impairment
$
77,896

$
96,169

$
4,101

 
$
63,818

$
319

 
$
84,038

$
723
Troubled Debt Restructurings
 
Three Months Ended September 30, 2012
 
Number of
Loans
 
Recorded
 Investment
 Prior to
 Modification
 
Recorded
 Investment
 After
 Modification
 
 
 
(in thousands)
Below market interest rate
 
 
 
 
 
Secured 1-4 family mortgages
1

 
$
396

 
$
391

Total
1

 
$
396

 
$
391

 
 
 
 
 
 
Extended payment terms
 
 
 
 
 
Construction
2

 
$
521

 
$
521

Commercial real estate:
 
 
 
 
 
Non-owner occupied
2

 
1,375

 
1,156

Owner occupied
2

 
353

 
331

Total
6

 
$
2,249

 
$
2,008

 
 
 
 
 
 
Total
7

 
$
2,645

 
$
2,399


 
Nine Months Ended September 30, 2012
 
Number of
Loans
 
Recorded
 Investment
 Prior to
 Modification
 
Recorded
 Investment
 After
 Modification
 
 
 
(in thousands)
Below market interest rate
 
 
 
 
 
Secured 1-4 family mortgages
1

 
$
396

 
$
391

Total
1

 
$
396

 
$
391

 
 
 
 
 
 
Extended payment terms
 
 
 
 
 
Construction
5

 
$
1,231

 
$
873

Commercial real estate:
 
 
 
 
 
Non-owner occupied
3

 
1,586

 
1,367

Owner occupied
7

 
2,065

 
2,021

Commercial
6

 
1,872

 
1,482

1-4 Family Residential
3

 
827

 
751

Consumer
1

 
26

 
24

Total
25

 
$
7,607

 
$
6,518

Principal payment reduction
 
 
 
 
 
Commercial real estate:
 
 
 
 
 
Owner occupied
2

 
$
571

 
$
571

Consumer
1

 
165

 
9

Total
3

 
$
736

 
$
580

 
 
 
 
 
 
Total
29

 
$
8,739

 
$
7,489


 
Three Months Ended September 30, 2011
 
Number of
Loans
 
Recorded
 Investment
 Prior to
 Modification
 
Recorded
 Investment
 After
 Modification
 
 
 
(in thousands)
Below market interest rate
 
 
 
 
 
Construction
2

 
$
1,721

 
$
1,705

Secured 1-4 family mortgages
1

 
150

 
150

Total
3

 
$
1,871

 
$
1,855

 
 
 
 
 
 
Extended payment terms
 
 
 
 
 
Construction
3

 
$
595

 
$
586

Commercial real estate:
 
 
 
 
 
Non-owner occupied
2

 
734

 
139

Owner occupied
4

 
6,834

 
6,404

Commercial
1

 
120

 
120

Total
10

 
$
8,283

 
$
7,249

 
 
 
 
 
 
Principal payment reduction
 
 
 
 
 
Construction
1

 
$
400

 
$
258

Commercial
1

 
16

 
15

Total
2

 
$
416

 
$
273

 
 
 
 
 
 
Total
15

 
$
10,570

 
$
9,377



 
Nine Months Ended September 30, 2011
 
Number of
Loans
 
Recorded
 Investment
 Prior to
 Modification
 
Recorded
 Investment
 After
 Modification
 
 
 
(in thousands)
Below market interest rate
 
 
 
 
 
Construction
3

 
$
2,221

 
$
2,131

Secured 1-4 family mortgages
1

 
150

 
150

Total
4

 
$
2,371

 
$
2,281

 
 
 
 
 
 
Extended payment terms
 
 
 
 
 
Construction
8

 
2,705

 
2,449

Commercial real estate:
 
 
 
 
 
Non-owner occupied
3

 
1,133

 
533

Owner occupied
9

 
8,230

 
7,743

Commercial
3

 
346

 
120

1-4 Family Residential
2

 
327

 
197

Consumer
—

 
—

 
—

Total
25

 
$
12,741

 
$
11,042

Principal payment reduction
 
 
 
 
 
Construction
4

 
3,302

 
1,060

Commercial real estate:
 
 
 
 
 
Owner occupied
1

 
240

 
—

Commercial
2

 
64

 
62

Home equity lines of credit
1

 
165

 
165

Total
8

 
3,771

 
1,287

 
 
 
 
 
 
Total
37

 
$
18,883

 
$
14,610


The following tables present loans that were modified as troubled debt restructurings during the previous twelve months and for which there was a payment default during the nine months ended September 30, 2012 and three and nine months ended September 30, 2011. There were no payment defaults for troubled debt restructurings for the three months ended September 30, 2012.
 
 
 
 
 
 
Nine months ended September 30, 2012
 
 
Number of loans
Recorded investment
Below Market Rate
 
 
(in thousands)
Construction
 
1

$
578

Total
 
1

$
578

Extended payment terms
 
 
 
Consumer
 
1

$
24

Total
 
1

$
24

 
 
 
 
Total
 
2

$
602


 
 
Three months ended September 30, 2011
 
Nine months ended September 30, 2011
 
 
Number of loans
Recorded investment
 
Number of loans
Recorded investment
Extended payment terms
 
 
(in thousands)
 
 
(in thousands)
Construction
 
1

$
221

 
1

$
221

Commercial real estate:
 
 
 
 
 
 
Non-owner occupied
 
1

1,789

 
1

1,789

Commercial
 
—

—

 
2

226

Secured 1-4 family mortgages
 
1

120

 
1

120

Total
 
3

$
2,130

 
5

$
2,356

 
 
 
 
 
 
 
Principal payment reduction
 
 
 
 
 
 
Construction
 
1

$
797

 
1

$
797

Commercial real estate:
 
 
 
 
 
 
Owner occupied
 
—

 
 
1

240

Total
 
1

$
797

 
2

$
1,037

 
 
 
 
 
 
 
Total
 
4

$
2,927

 
7

$
3,393
Allowance for Loan Losses
The following table presents changes in the allowance for loan losses for the three months ended September 30, 2012 and 2011:
 
June 30, 2012
 
Charge-offs
 
Recoveries
 
Provision
 
September 30, 2012
 
(Amounts in thousands)
Construction
$
5,903

 
$
3,881

 
$
45

 
$
3,675

 
$
5,742

Commercial real estate:
 
 
 
 
 
 
 
 
 
Owner occupied
5,630

 
146

 
2

 
(943
)
 
4,543

Non-owner occupied
3,582

 
697

 
256

 
1,096

 
4,237

Commercial
4,715

 
771

 
63

 
624

 
4,631

Mortgages:
 
 
 
 
 
 
 
 

Secured 1-4 family- first lien
3,063

 
57

 
4

 
(83
)
 
2,927

Multifamily
563

 
—

 
—

 
5

 
568

Home equity lines of credit
4,399

 
372

 
29

 
(162
)
 
3,894

Consumer and other
942

 
313

 
21

 
39

 
689

 
$
28,797

 
$
6,237

 
$
420

 
$
4,251

 
$
27,231

 
 
 
 
 
 
 
 
 
 
 
June 30, 2011
 
Charge-offs
 
Recoveries
 
Provision
 
September 30, 2011
 
(Amounts in thousands)
Construction
$
10,770

 
$
1,175

 
$
630

 
$
(390
)
 
$
9,835

Commercial real estate:
 
 
 
 
 
 
 
 

Owner occupied
6,701

 
546

 
3

 
(506
)
 
5,652

Non-owner occupied
4,280

 
1,101

 
—

 
707

 
3,886

Commercial
4,020

 
489

 
278

 
976

 
4,785

Mortgages:
 
 
 
 
 
 
 
 

Secured 1-4 family- first lien
4,514

 
584

 
84

 
223

 
4,237

Multifamily
526

 
—

 
—

 
48

 
574

Home equity lines of credit
4,012

 
973

 
17

 
867

 
3,923

Consumer and other
829

 
156

 
77

 
31

 
781

 
$
35,652

 
$
5,024

 
$
1,089

 
$
1,956

 
$
33,673


The following table presents changes in the allowance for loan losses for the nine months ended September 30, 2012 and 2011:
 
December 31, 2011
 
Charge-offs
 
Recoveries
 
Provision
 
September 30, 2012
 
(Amounts in thousands)
Construction
$
8,214

 
$
7,823

 
$
323

 
$
5,028

 
$
5,742

Commercial real estate:
 
 
 
 
 
 
 
 
 
Owner occupied
5,792

 
2,019

 
126

 
644

 
4,543

Non-owner occupied
4,668

 
2,461

 
289

 
1,741

 
4,237

Commercial
5,712

 
1,789

 
829

 
(121
)
 
4,631

Mortgages:
 
 
 
 
 
 
 
 
 
Secured 1-4 family- first lien
3,726

 
625

 
153

 
(327
)
 
2,927

Multifamily
805

 
213

 
—

 
(24
)
 
568

Home equity lines of credit
3,310

 
1,073

 
50

 
1,607

 
3,894

Consumer and other
621

 
521

 
317

 
272

 
689

 
$
32,848

 
$
16,524

 
$
2,087

 
$
8,820

 
$
27,231

 
 
 
 
 
 
 
 
 
 
 
December 31, 2010
 
Charge-offs
 
Recoveries
 
Provision
 
September 30, 2011
 
(Amounts in thousands)
Construction
$
12,014

 
$
9,050

 
$
1,710

 
$
5,161

 
$
9,835

Commercial real estate:
 
 
 
 
 
 
 
 
 
Owner occupied
5,958

 
3,382

 
109

 
2,967

 
5,652

Non-owner occupied
7,150

 
3,434

 
52

 
118

 
3,886

Commercial
4,335

 
2,513

 
389

 
2,574

 
4,785

Mortgages:
 
 
 
 
 
 
 
 
 
Secured 1-4 family- first lien
3,706

 
2,364

 
161

 
2,734

 
4,237

Multifamily
424

 
11

 
—

 
161

 
574

Home equity lines of credit
3,298

 
2,659

 
97

 
3,187

 
3,923

Consumer and other
867

 
569

 
169

 
314

 
781

 
$
37,752

 
$
23,982

 
$
2,687

 
$
17,216

 
$
33,673






















The following tables provide the a breakdown of allowance for loan losses for collectively evaluated and individually evaluated loans by type as of September 30, 2012 and December 31, 2011.
 
Reserves for
 loans
 individually
 evaluated for
 impairment
 
Loans
 individually
 evaluated for
 impairment
 
Reserves for
 loans
 collectively
 evaluated for
 impairment
 
Loans
 collectively
 evaluated for
 impairment
As of September 30, 2012
(Amounts in thousands)
Construction
$
1,249

 
$
18,025

 
$
4,493

 
$
129,383

Commercial real estate:
 
 
 
 
 
 
 
Owner occupied
279

 
19,268

 
4,264

 
327,640

Non-owner occupied
476

 
7,535

 
3,761

 
223,319

Commercial
1,632

 
9,016

 
2,999

 
159,494

Mortgages:
 
 
 
 
 
 
 
Secured 1-4 family- first lien
155

 
1,871

 
2,773

 
172,841

Multifamily
—

 
701

 
567

 
37,286

Home equity lines of credit
—

 
1,706

 
3,894

 
194,783

Consumer and other
—

 
—

 
689

 
54,772

 
$
3,791

 
$
58,122

 
$
23,440

 
$
1,299,518

 
 
 
 
 
 
 
 
 
Reserves for
 loans
 individually
 evaluated for
 impairment
 
Loans
 individually
 evaluated for
 impairment
 
Reserves for
 loans
 collectively
 evaluated for
 impairment
 
Loans
 collectively
 evaluated for
 impairment
As of December 31, 2011
(Amounts in thousands)
Construction
$
570

 
$
29,078

 
$
7,644

 
$
173,725

Commercial real estate:
 
 
 
 
 
 
 
Owner occupied
585

 
24,045

 
5,207

 
324,886

Non-owner occupied
143

 
9,614

 
4,525

 
233,213

Commercial
2,511

 
9,295

 
3,201

 
167,752

Mortgages:
 
 
 
 
 
 
 
Secured 1-4 family- first lien
45

 
4,341

 
3,681

 
174,706

Multifamily
135

 
595

 
670

 
39,286

Home equity lines of credit
112

 
928

 
3,198

 
200,292

Consumer and other
—

 
—

 
621

 
58,283

 
$
4,101

 
$
77,896

 
$
28,747

 
$
1,372,143