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OTHER REAL ESTATE OWNED (Tables)
 12 Months Ended
Dec. 31, 2012
OTHER REAL ESTATE OWNED [Abstract]  
Valuation allowance for other real estate owned
We periodically review our real estate owned properties and establish valuation allowances on these properties if values have declined since the date of acquisition. An analysis of our valuation allowance for other real estate owned follows:

 
 
2012
 
 
2011
 
 
2010
 
 
 
(In thousands)
 
Balance at beginning of year
 
$
14,655
 
 
$
10,876
 
 
$
6,498
 
Additions charged to expense
 
 
3,769
 
 
 
6,563
 
 
 
6,883
 
Direct write-downs upon sale
 
 
(12,466
)
 
 
(2,784
)
 
 
(2,505
)
Balance at end of year
 
$
5,958
 
 
$
14,655
 
 
$
10,876