Amount of allowance to cover probable credit losses on loans and leases. Includes carryover of or adjustments to the allowance for loan losses in connection with business combinations. Excludes allowance for loans and leases covered under loss sharing agreements.

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+ Details

- Definition

Amount of deferred interest and fee income, unamortized costs incurred to originate loans and leases, unamortized loan commitments and loan syndication fees, and premiums over or discounts from face amounts of acquired loans. Excludes amounts for loans and leases covered under loss sharing agreements.

+ References

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+ Details

LOANS (Details) (USD $) In Thousands, unless otherwise specified	Mar. 31, 2013	Dec. 31, 2012	Mar. 31, 2012	Dec. 31, 2011
LOANS
Total loans	$ 688,871	$ 694,772
Deferred loan origination cost, net	210	263
Allowance for loan losses	(11,603)	(11,170)	(11,298)	(12,075)
Net loans	677,478	683,865
Real estate loans:
LOANS
Total loans	532,518	550,367
One- to four-family
LOANS
Total loans	150,259	158,828
Allowance for loan losses	(517)	(642)		(1,760)
Multi-family and commercial
LOANS
Total loans	373,432	368,948
Allowance for loan losses	(7,158)	(6,327)		(6,112)
Construction
LOANS
Total loans	8,827	22,591
Allowance for loan losses	(517)	(873)		(869)
Consumer loans
LOANS
Total loans	26,582	30,585
Allowance for loan losses	(217)	(232)		(455)
Commercial and industrial loans
LOANS
Total loans	129,771	113,820
Allowance for loan losses	$ (2,744)	$ (2,630)		$ (2,657)