Loans (Tables)

6 Months Ended

Jun. 30, 2012

Receivables [Abstract]

Loans, net of unearned discount and net deferred origination fees and costs

(In thousands)	June 30, 2012		December 31, 2011
Commercial	$	23,951	$	26,516
Real estate	170,383		181,531
Installment	609		720
Total loans	194,943		208,767
Less: Unearned income	75		52
Loans	$	194,868	$	208,715

Recent analysis performed, risk category of loans by class of loans

June 30, 2012			Special Mention
(In thousands)	Pass				Substandard		Doubtful		Loss		Total
Commercial loans	$	20,340	$	1,124	$	2,436	$	51	$	—	$	23,951
Real estate loans
Church	29,259		5,865		20,175		528		—		55,827
Construction - other than third-party originated	2,104		—		7,932		—		—		10,036
Construction - third-party originated	—		—		6,692		1,047		—		7,739
Multifamily	8,655		—		1,844		273		—		10,772
Other	41,724		3,534		17,167		435		—		62,860
Residential	20,383		158		2,608		—		—		23,149
Installment	592		2		15		—		—		609
	$	123,057	$	10,683	$	58,869	$	2,334	$	—	$	194,943

December 31, 2011			Special Mention
(In thousands)	Pass				Substandard		Doubtful		Loss		Total
Commercial loans	$	23,560	$	1,084	$	1,656	$	216	$	—	$	26,516
Real estate loans
Church	30,133		7,105		20,220		—		—		57,458
Construction - other than third-party originated	3,115		—		7,333		—		—		10,448
Construction - third-party originated	—		—		6,990		1,047		—		8,037
Multifamily	10,594		66		1,673		273		—		12,606
Other	41,903		6,907		19,878		958		—		69,646
Residential	20,359		—		2,977		—		—		23,336
Installment	718		1		1		—		—		720
	$	130,382	$	15,163	$	60,728	$	2,494	$	—	$	208,767

Aging of the recorded investment in past due loans

June 30, 2012			30-60 Days		60-90 Days		More than 90 Days		Total Past Due
(In thousands)	0-30 Days										Current		Total
Commercial loans	$	441	$	846	$	3,283	$	3,761	$	8,331	$	15,620	$	23,951
Real estate loans
Church	189		4,514		4,798		7,686		17,187		38,640		55,827
Construction - other than third-party originated	—		1,163		—		6,769		7,932		2,104		10,036
Construction - third-party originated	—		—		—		6,764		6,764		975		7,739
Multifamily	—		2,594		63		1,541		4,198		6,574		10,772
Other	1,475		3,693		915		9,494		15,577		47,283		62,860
Residential	1,931		605		—		2,484		5,020		18,129		23,149
Installment	—		3		1		15		19		590		609
	$	4,036	$	13,418	$	9,060	$	38,514	$	65,028	$	129,915	$	194,943

December 31, 2011			30-60 Days		60-90 Days		More than 90 Days		Total Past Due
(In thousands)	0-30 Days										Current		Total
Commercial loans	$	177	$	1,743	$	784	$	2,248	$	4,952	$	21,564	$	26,516
Real estate loans
Church	—		8,127		8,694		6,478		23,299		34,159		57,458
Construction - other than third-party originated	—		437		—		6,157		6,594		3,854		10,448
Construction - third-party originated	108		—		—		7,929		8,037		—		8,037
Multifamily	—		106		608		1,404		2,118		10,488		12,606
Other	1,986		1,632		3,837		9,639		17,094		52,552		69,646
Residential	89		1,299		—		2,557		3,945		19,391		23,336
Installment	16		1		1		2		20		700		720
	$	2,376	$	13,345	$	13,924	$	36,414	$	66,059	$	142,708	$	208,767

Impaired Loans by class of loans

June 30, 2012	Recorded Investment		Unpaid Principal Balance		Related Allowance
In thousands
Commercial loans	$	1,212	$	1,233	$	226
Real estate loans
Church	9,774		10,391		545
Construction - other than third-party originated	6,687		8,180		—
Construction - third-party originated	7,739		10,557		—
Multifamily	1,461		2,308		—
Other	12,513		14,253		64
Residential	2,403		2,462		—
	$	41,789	$	49,384	$	835

December 31, 2011	Recorded Investment		Unpaid Principal Balance		Related Allowance
In thousands
Commercial loans	$	363	$	463	$	216
Real estate loans
Church	9,586		9,973		545
Construction - other than third-party originated	6,070		7,509		311
Construction - third-party originated	8,037		10,815		346
Multifamily	1,308		1,951		—
Other	15,027		16,265		65
Residential	2,583		2,266		38
	$	42,974	$	49,242	$	1,521

Nonperforming loans

In thousands	June 30, 2012		December 31, 2011
Non-accrual loans	$	41,428	$	42,008
Loans with interest or principal 90 days or more past due and still accruing	1,123		2,218
Total nonperforming loans	$	42,551	$	44,226

Trouble Debt Restructurings

	At June 30, 2012
Troubled Debt Restructurings (in thousands)	Number of Contracts	Pre-Modification Outstanding		Post-Modification Outstanding
Churches	3	$	3,100	$	2,532
Commercial real estate:
Other	2	3,225		1,883
Total commercial real estate	5	6,325		4,415
Residential mortgage	3	939		743
Total	8	$	7,264	$	5,158