2.4.0.8060400 - Disclosure - LOANStruefalsefalse1false falsefalsec20130101to20130630http://www.sec.gov/CIK0000754673duration2013-01-01T00:00:002013-06-30T00:00:001true 1subk_LoansAbstractsubk_falsenadurationfalsefalsefalsefalsefalsefalsefalsefalse1falsefalsefalse00falsefalsefalsexbrli:stringItemTypestringfalse0LOANS [Abstract]2false 2us-gaap_LoansNotesTradeAndOtherReceivablesDisclosureTextBlockus-gaap_truenadurationfalsefalsefalsefalsefalsefalsefalsefalseverboseLabel1falsefalsefalse00<div><div style="font-family: 'Times New Roman', Times, serif; font-size: 10pt;"><div style="text-align: justify; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"><u>4. 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Loan losses are charged against the allowance when management believes the uncollectibility of a loan balance is confirmed. &#160;Subsequent recoveries, if any, are credited to the allowance. Management estimates the allowance balance required using past loan loss experience, the nature and volume of the portfolio, information about specific borrower situations and estimated collateral values, economic conditions, and other factors. &#160;Allocations of the allowance may be made for specific loans, but the entire allowance is available for any loan that, in management&#8217;s judgment, should be charged off. The allowance consists of specific and general components. The specific component relates to loans that are individually classified as impaired.</div><div><br /></div><div style="text-align: justify; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">A loan is impaired when, based on current information and events, it is probable that <font style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;">the Company</font> will be unable to collect all amounts due according to the contractual terms of the loan agreement. &#160;Loans for which the terms have been modified resulting in a concession, and for which the borrower is experiencing financial difficulties, are considered TDRs and classified as impaired. Generally, TDRs are initially classified as non-accrual until sufficient time has passed to assess whether the restructured loan will continue to perform. Generally, <font style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;">the Company</font> returns a TDR to accrual status upon six months of performance under the new terms.</div><div><br /></div><div style="text-align: justify; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">Factors considered by management in determining impairment include payment status, collateral value, and the probability of collecting scheduled principal and interest payments when due. Loans that experience insignificant payment delays and payment shortfalls generally are not classified as impaired. &#160;Management determines the significance of payment delays and payment shortfalls on a case-by-case basis, taking into consideration all of the circumstances surrounding the loan and the borrower, including the length of the delay, the reasons for the delay, the borrower&#8217;s prior payment record, and the amount of the shortfall in relation to the principal and interest owed.</div><div><br /></div><div style="text-align: justify; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">Management has determined that all TDRs and all non-accrual loans are impaired; however, non-accrual loans with an impaired balance of $250 thousand or less will be evaluated under ASC 450 with other groups of smaller or homogeneous loans with similar risk characteristics. Management will use judgment to determine if there are other loans outside of these two categories that fit the definition of impaired. If a loan is impaired, a specific reserve is recorded so that the loan is reported, net, at the present value of estimated future cash flows including balloon payments, if any, using the loan&#8217;s existing rate or at the fair value of collateral if repayment is expected solely from the collateral. Large groups of homogeneous loans with smaller individual balances, such as consumer and residential real estate loans, are generally evaluated collectively for impairment, and accordingly, are not separately identified for impairment disclosures. TDRs are separately identified for impairment disclosures and are measured at the present value of estimated future cash flows using the loan&#8217;s effective rate at inception. If a TDR is considered to be &#8220;collateral-dependent,&#8221; the loan is reported at the fair value of the collateral net of estimated costs to sell. &#160;For TDRs that subsequently default, <font style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;">the Company</font> determines the allowance amount in accordance with its accounting policy for the allowance for loan losses.</div><div style="text-align: justify; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">&#160;</div><div style="text-align: justify;">The general component of the allowance covers non-impaired loans and is based on historical loss experience, adjusted for qualitative factors. &#160;The historical loss experience is determined by loan class, and is based on the actual loss history experienced by <font style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;">the Company</font> over a rolling twelve quarter period. This actual loss experience is supplemented with other qualitative factors based on the risks present for each loan class. &#160;These qualitative factors include consideration of the following: &#160;levels of and trends in delinquencies and impaired loans; levels of and trends in charge-offs and recoveries; trends in volume and terms of loans; effects of any changes in risk selection and underwriting standards; other changes in lending policies, procedures and practices; experience, ability, and depth of lending management and other relevant staff; local, regional and national economic trends and conditions; industry conditions; and effects of changes in credit concentrations. The following loan classes have been identified: commercial and industrial, commercial real estate, real estate construction, residential mortgages (1<sup style="line-height: 1; font-size: smaller; vertical-align: text-top;">st</sup> and 2<sup style="line-height: 1; font-size: smaller; vertical-align: text-top;">nd</sup> liens), home equity and consumer loans. For performing loans, an estimate of adequacy of the general component of the allowance is made by applying qualitative factors specific to the portfolio to the period-end balances. Consideration is also given to the type and collateral of the loans with particular attention paid to commercial real estate construction loans, due to the inherent risk of this type of loan. Specific and general reserves are available for any identified loss.</div><div><br /></div><div style="text-align: justify; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">The Company recorded no consolidated provision for loan losses for the three months ended June 30, 2013 as compared to a $2.4 million credit to the provision for loan losses for the three months ended June 30, 2012. The $2.4 million credit to the provision for loan losses during the second quarter of 2012 resulted from workout and asset disposition activities undertaken in that period. For the three months ended June 30, 2013, the Company decreased its allowance for loan losses allocated to commercial and industrial (&#8220;C&amp;I&#8221;) and real estate construction loans by $199 thousand and $567 thousand, respectively, while increasing its allowance allocation to commercial real estate (&#8220;CRE&#8221;) by $659 thousand.</div><div><br /></div><div style="text-align: justify; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">The decrease in the allowance for loan losses allocated to C&amp;I loans during the first quarter of 2013 reflected a 0.18% reduction in the ASC 450-20 historical loss factors rate on unimpaired pass rated C&amp;I loans, a $7 million decrease in the balance of unimpaired pass rated C&amp;I loans and a decrease of $60 thousand in specific reserves for C&amp;I loans as computed under ASC 310-10 at June 30, 2013 as compared to March 31, 2013.</div><div><br /></div><div style="text-align: justify; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">The decrease to the allowance allocated to real estate construction loans was largely due to a decrease in the ASC 450-20 historical loss factors for such loans of 1.34% when compared to March 31, 2013. 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width: 1%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">$</div></td><td valign="bottom" style="border-bottom: #000000 4px double; text-align: right; background-color: #ffffff; width: 9%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">780,780</div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 4px; background-color: #ffffff; width: 1%; vertical-align: bottom;">&#160;</td></tr></table></div><div><br /></div><div style="text-align: justify; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">The Bank annually reviews the ratings on all commercial and industrial, commercial real estate and real estate construction loans greater than $1 million. Semi-annually, the Bank engages an independent third-party to review a significant portion of loans within these loan classes. Management uses the results of these reviews as part of its ongoing review process.</div></div></div>falsefalsefalsenonnum:textBlockItemTypenaThe entire disclosure for claims held for amounts due a entity, excluding financing receivables. Examples include, but are not limited to, trade accounts receivables, notes receivables, loans receivables. 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This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy. Reference 6: http://www.xbrl.org/2003/role/presentationRef -Publisher SEC -Name Regulation S-X (SX) -Number 210 -Section 03 -Paragraph 7 -Article 9 Reference 7: http://www.xbrl.org/2003/role/presentationRef -Publisher FASB -Name Accounting Standards Codification -Topic 235 -SubTopic 10 -Section S99 -Paragraph 1 -Subparagraph (SX 210.4-08.(k)) -URI http://asc.fasb.org/extlink&oid=6881521&loc=d3e23780-122690 Reference 8: http://www.xbrl.org/2003/role/presentationRef -Publisher SEC -Name Regulation S-X (SX) -Number 210 -Section 08 -Paragraph k -Article 4 Reference 9: http://www.xbrl.org/2003/role/presentationRef -Publisher FASB -Name Accounting Standards Codification -Topic 310 -SubTopic 10 -Section 50 -Paragraph 11 -URI http://asc.fasb.org/extlink&oid=7512638&loc=d3e5162-111524 false0LOANSfalseLOANSUnKnownUnKnownUnKnownUnKnowntruefalsefalseSheethttp://suffolkbancorp.com/role/Loans12