Document_and_Entity_Informatio
Document and Entity Information | 9 Months Ended | |
Sep. 30, 2013 | Oct. 31, 2013 | |
Document And Entity Information [Abstract] | ' | ' |
Document Type | '10-Q | ' |
Amendment Flag | 'false | ' |
Document Period End Date | 30-Sep-13 | ' |
Document Fiscal Year Focus | '2013 | ' |
Document Fiscal Period Focus | 'Q3 | ' |
Entity Registrant Name | 'UNITED COMMUNITY FINANCIAL CORP | ' |
Entity Central Index Key | '0000707886 | ' |
Current Fiscal Year End Date | '--12-31 | ' |
Entity Filer Category | 'Accelerated Filer | ' |
Entity Common Stock, Shares Outstanding | ' | 50,229,212 |
Consolidated_Statements_of_Fin
Consolidated Statements of Financial Condition (USD $) | Sep. 30, 2013 | Dec. 31, 2012 |
In Thousands, unless otherwise specified | ||
Assets: | ' | ' |
Cash and deposits with banks | $22,918 | $26,041 |
Federal funds sold | 63,212 | 16,572 |
Total cash and cash equivalents | 86,130 | 42,613 |
Securities: | ' | ' |
Available for sale, at fair value | 542,811 | 574,562 |
Loans held for sale | 2,894 | 13,031 |
Loans, net of allowance for loan losses of $21,032 and $21,130 | 1,009,029 | 1,066,240 |
Federal Home Loan Bank stock, at cost | 26,464 | 26,464 |
Premises and equipment, net | 20,938 | 21,549 |
Accrued interest receivable | 5,200 | 6,238 |
Real estate owned and other repossessed assets, net | 9,315 | 18,440 |
Core deposit intangible | 172 | 238 |
Cash surrender value of life insurance | 44,603 | 28,881 |
Other assets | 8,646 | 10,109 |
Total assets | 1,756,202 | 1,808,365 |
Deposits: | ' | ' |
Interest bearing | 1,243,443 | 1,302,307 |
Non-interest bearing | 167,167 | 159,767 |
Total deposits | 1,410,610 | 1,462,074 |
Borrowed funds: | ' | ' |
Federal Home Loan Bank advances | 50,000 | 50,000 |
Repurchase agreements and other | 90,583 | 90,598 |
Total borrowed funds | 140,583 | 140,598 |
Advance payments by borrowers for taxes and insurance | 12,126 | 23,590 |
Accrued interest payable | 592 | 563 |
Accrued expenses and other liabilities | 8,969 | 10,780 |
Total liabilities | 1,572,880 | 1,637,605 |
Shareholders' Equity: | ' | ' |
Preferred stock-no par value; 1,000,000 shares authorized and no shares issued and outstanding | ' | ' |
Common stock-no par value; 499,000,000 shares authorized; 54,138,910 and 37,804,457 shares, respectively, issued and 50,225,367 and 33,027,886 shares, respectively, outstanding | 175,282 | 128,026 |
Retained earnings | 80,460 | 86,345 |
Accumulated other comprehensive income (loss) | -31,324 | 6,682 |
Treasury stock, at cost, 3,913,543 and 4,776,571 shares, respectively | -41,096 | -50,293 |
Total shareholders' equity | 183,322 | 170,760 |
Total liabilities and shareholders' equity | $1,756,202 | $1,808,365 |
Consolidated_Statements_of_Fin1
Consolidated Statements of Financial Condition (Parenthetical) (USD $) | Sep. 30, 2013 | Dec. 31, 2012 |
In Thousands, except Share data, unless otherwise specified | ||
Statement Of Financial Position [Abstract] | ' | ' |
Allowance for loan losses | $21,032 | $21,130 |
Preferred stock, par value | ' | ' |
Preferred stock, shares authorized | 1,000,000 | 1,000,000 |
Preferred stock, shares issued | ' | ' |
Preferred stock, shares outstanding | ' | ' |
Common stock, par value | ' | ' |
Common stock, shares authorized | 499,000,000 | 499,000,000 |
Common stock, shares issued | 54,138,910 | 37,804,457 |
Common stock, shares outstanding | 50,225,367 | 33,027,886 |
Treasury stock, shares | 3,913,543 | 4,776,571 |
Consolidated_Statements_of_Ope
Consolidated Statements of Operations and Comprehensive Income (Loss) (USD $) | 3 Months Ended | 9 Months Ended | ||
In Thousands, except Per Share data, unless otherwise specified | Sep. 30, 2013 | Sep. 30, 2012 | Sep. 30, 2013 | Sep. 30, 2012 |
Interest income | ' | ' | ' | ' |
Loans | $12,233 | $14,567 | $37,067 | $49,182 |
Loans held for sale | 80 | 101 | 247 | 305 |
Available for sale securities | 3,364 | 3,219 | 10,176 | 10,253 |
Federal Home Loan Bank stock dividends | 280 | 279 | 840 | 859 |
Other interest earning assets | 52 | 25 | 102 | 48 |
Total interest income | 16,009 | 18,191 | 48,432 | 60,647 |
Interest expense | ' | ' | ' | ' |
Deposits | 1,847 | 2,600 | 5,843 | 9,574 |
Federal Home Loan Bank advances | 529 | 535 | 1,576 | 1,880 |
Repurchase agreements and other | 929 | 928 | 2,756 | 2,766 |
Total interest expense | 3,305 | 4,063 | 10,175 | 14,220 |
Net interest income | 12,704 | 14,128 | 38,257 | 46,427 |
Provision for loan losses | 657 | 30,279 | 3,834 | 37,223 |
Net interest income after provision for loan losses | 12,047 | -16,151 | 34,423 | 9,204 |
Non-interest income | ' | ' | ' | ' |
Non-deposit investment income | 275 | 478 | 1,189 | 1,525 |
Service fees and other charges | 1,734 | 793 | 5,207 | 4,011 |
Net gains (losses): | ' | ' | ' | ' |
Securities available for sale (includes $0, $1,192, $2,578, and $5,161 respectively, accumulated other comprehensive income reclassifications for unrealized net gains on available for sale securities) | ' | 1,192 | 2,578 | 5,161 |
Mortgage banking income | 895 | 2,110 | 3,927 | 5,308 |
Real estate owned and other repossessed assets | -395 | -1,795 | -1,966 | -3,447 |
Other income | 1,039 | 974 | 4,690 | 3,234 |
Total non-interest income | 3,548 | 3,752 | 15,625 | 15,792 |
Non-interest expense | ' | ' | ' | ' |
Salaries and employee benefits | 7,379 | 8,634 | 22,539 | 25,651 |
Occupancy | 811 | 845 | 2,484 | 2,495 |
Equipment and data processing | 1,698 | 1,665 | 5,240 | 5,074 |
Franchise tax | 385 | 521 | 1,216 | 1,396 |
Advertising | 226 | 134 | 646 | 486 |
Amortization of core deposit intangible | 20 | 26 | 66 | 83 |
Prepayment penalty | ' | 65 | ' | 803 |
Deposit insurance premiums | 598 | 1,012 | 1,755 | 3,176 |
Professional fees | 761 | 2,219 | 2,043 | 4,138 |
Real estate owned and other repossessed asset expenses | 354 | 383 | 1,140 | 1,504 |
Other expenses | 1,296 | 1,826 | 4,631 | 6,061 |
Total non-interest expenses | 13,528 | 17,330 | 41,760 | 50,867 |
Income (loss) before income taxes | 2,067 | -29,729 | 8,288 | -25,871 |
Income tax expense (benefit) (includes $0 income tax expense from reclassification items) | 350 | -2,838 | 500 | -2,838 |
Net income (loss) | 1,717 | -26,891 | 7,788 | -23,033 |
Amortization of discount on preferred stock | ' | ' | -6,751 | ' |
Earnings (loss) available to common shareholders | 1,717 | -26,891 | 1,037 | -23,033 |
Net income (loss) | 1,717 | -26,891 | 7,788 | -23,033 |
Other comprehensive income (loss) | ' | ' | ' | ' |
Unrealized gains (losses) on securities, net of tax | -2,121 | 2,729 | -38,006 | 5,271 |
Total other comprehensive income (loss) | -2,121 | 2,729 | -38,006 | 5,271 |
Comprehensive loss | ($404) | ($24,162) | ($30,218) | ($17,762) |
Earnings (loss) per common share | ' | ' | ' | ' |
Basic | $0.03 | ($0.82) | $0.02 | ($0.70) |
Diluted | $0.03 | ($0.82) | $0.02 | ($0.70) |
Consolidated_Statements_of_Ope1
Consolidated Statements of Operations and Comprehensive Income (Loss) (Parenthetical) (USD $) | 3 Months Ended | 9 Months Ended | ||
In Thousands, unless otherwise specified | Sep. 30, 2013 | Sep. 30, 2012 | Sep. 30, 2013 | Sep. 30, 2012 |
Income Statement [Abstract] | ' | ' | ' | ' |
Accumulated other comprehensive income | $0 | $1,192 | $2,578 | $5,161 |
Income tax expense (benefit) from reclassification items | $0 | $0 | $0 | $0 |
Consolidated_Statement_of_Shar
Consolidated Statement of Shareholders' Equity (USD $) | Total | Preferred Stock [Member] | Common Shares [Member] | Retained Earnings [Member] | Accumulated Other Comprehensive Income (Loss) [Member] | Treasury Stock [Member] |
In Thousands, except Share data | ||||||
Balance at Dec. 31, 2011 | $188,745 | ' | $128,031 | $110,681 | $5,032 | ($54,999) |
Balance, Shares at Dec. 31, 2011 | ' | ' | 32,597,762 | ' | ' | ' |
Net income | -23,033 | ' | ' | -23,033 | ' | ' |
Other comprehensive loss / income | 5,271 | ' | ' | ' | 5,271 | ' |
Stock option expenses | 8 | ' | 8 | ' | ' | ' |
Restricted stock awards | 589 | ' | 189 | -2,870 | ' | 3,270 |
Restricted stock awards, Shares | ' | ' | 293,733 | ' | ' | ' |
Balance at Sep. 30, 2012 | 171,580 | ' | 128,228 | 84,778 | 10,303 | -51,729 |
Balance, Shares at Sep. 30, 2012 | ' | ' | 32,891,495 | ' | ' | ' |
Balance at Dec. 31, 2012 | 170,760 | ' | 128,026 | 86,345 | 6,682 | -50,293 |
Balance, Shares at Dec. 31, 2012 | ' | ' | 33,027,886 | ' | ' | ' |
Net income | 7,788 | ' | ' | 7,788 | ' | ' |
Other comprehensive loss / income | -38,006 | ' | ' | ' | -38,006 | ' |
Stock option exercises | 155 | ' | ' | -1,051 | ' | 1,206 |
Stock option exercises, Shares | 123,600 | ' | 104,142 | ' | ' | ' |
Stock option expenses | 15 | ' | 15 | ' | ' | ' |
Restricted stock awards | 260 | ' | 218 | 9 | ' | 33 |
Restricted stock awards, Shares | ' | ' | 3,066 | ' | ' | ' |
Issuance of common stock, net of issuance costs of $4,649 | 20,509 | ' | 18,431 | -5,880 | ' | 7,958 |
Issuance of common stock, net of issuance costs of $4,649, Shares | ' | ' | 9,148,273 | ' | ' | ' |
Issuance preferred stock | 21,841 | 15,090 | 6,751 | ' | ' | ' |
Issuance of preferred stock, Shares | ' | 7,942 | ' | ' | ' | ' |
Amortization of preferred stock discount | ' | 6,751 | ' | -6,751 | ' | ' |
Conversion of preferred stock to common stock | 21,841 | -21,841 | 21,841 | ' | ' | ' |
Conversion of preferred stock to common stock, Shares | 7,942,000 | -7,942 | 7,942,000 | ' | ' | ' |
Balance at Sep. 30, 2013 | $183,322 | ' | $175,282 | $80,460 | ($31,324) | ($41,096) |
Balance, Shares at Sep. 30, 2013 | ' | ' | 50,225,367 | ' | ' | ' |
Consolidated_Statement_of_Shar1
Consolidated Statement of Shareholders' Equity (Parenthetical) (Common Shares [Member], USD $) | 9 Months Ended |
In Thousands, unless otherwise specified | Sep. 30, 2013 |
Common Shares [Member] | ' |
Payments of stock issuance costs | $4,649 |
Consolidated_Statements_of_Cas
Consolidated Statements of Cash Flows (USD $) | 9 Months Ended | |
Sep. 30, 2013 | Sep. 30, 2012 | |
Cash Flows from Operating Activities | ' | ' |
Net income (loss) | $7,788,000 | ($23,033,000) |
Adjustments to reconcile net income to net cash provided by operating activities | ' | ' |
Provision for loan losses | 3,834,000 | 37,223,000 |
Mortgage banking income | -3,927,000 | -5,308,000 |
Net losses on real estate owned and other repossessed assets sold | 1,966,000 | 3,447,000 |
Net gain on available for sale securities sold | -2,578,000 | -5,161,000 |
Net gain on other assets sold | -10,000 | ' |
Amortization of premiums and accretion of discounts | 2,394,000 | 1,016,000 |
Depreciation and amortization | 1,406,000 | 1,183,000 |
Net change in interest receivable | 1,038,000 | 1,081,000 |
Net change in interest payable | 29,000 | 18,000 |
Net change in prepaid and other assets | 2,371,000 | 254,000 |
Net change in other liabilities | -1,811,000 | 554,000 |
Stock based compensation | 275,000 | 597,000 |
Net principal disbursed on loans originated for sale | -188,167,000 | -226,708,000 |
Proceeds from sale of loans held for sale | 202,231,000 | 235,667,000 |
Death benefit from bank owned life insurance | ' | 1,115,000 |
Net change in interest rate caps | -463,000 | 1,423,000 |
Net cash from operating activities | 26,376,000 | 23,368,000 |
Proceeds from principal repayments and maturities of: | ' | ' |
Securities available for sale | 41,057,000 | 56,123,000 |
Proceeds from sale of: | ' | ' |
Securities available for sale | 97,127,000 | 286,926,000 |
Real estate owned and other repossessed assets | 8,627,000 | 13,830,000 |
Loans held for investment | 13,709,000 | 81,451,000 |
Premises and equipment | 20,000 | ' |
Purchases of: | ' | ' |
Securities available for sale | -144,992,000 | -424,932,000 |
Bank owned life insurance | -15,000,000 | ' |
Principal repaid on loans, net of disbursements | 37,861,000 | 154,499,000 |
Loans purchased | -50,000 | -289,000 |
Purchases of premises and equipment | -780,000 | -1,593,000 |
Net cash from investing activities | 37,579,000 | 166,015,000 |
Cash Flows from Financing Activities | ' | ' |
Net increase in checking, savings and money market accounts | -2,332,000 | 76,079,000 |
Net decrease in certificates of deposit | -49,132,000 | -173,934,000 |
Net decrease in advance payments by borrowers for taxes and insurance | -11,464,000 | -9,161,000 |
Net change in Federal Home Loan Bank advances | ' | -78,155,000 |
Prepayment penalty on Federal Home Loan Bank advances | ' | -803,000 |
Net change in repurchase agreements and other borrowed funds | -15,000 | -15,000 |
Proceeds from the exercise of stock options | 155,320 | ' |
Issuance of preferred stock, net of issuance costs | 21,841,000 | ' |
Issuance of common stock, net of issuance costs | 21,841,000 | ' |
Net cash used by financing activities | -20,387,000 | -185,989,000 |
Change in cash and cash equivalents | 43,517,000 | 3,394,000 |
Cash and cash equivalents, beginning of period | 42,613,000 | 54,136,000 |
Cash and cash equivalents, end of period | $86,130,000 | $57,530,000 |
Basis_of_Presentation
Basis of Presentation | 9 Months Ended | ||
Sep. 30, 2013 | |||
Accounting Policies [Abstract] | ' | ||
Basis of Presentation | ' | ||
1 | BASIS OF PRESENTATION | ||
United Community Financial Corp. (United Community or the Company) was incorporated under Ohio law in February 1998 by The Home Savings and Loan Company of Youngstown, Ohio (Home Savings) in connection with the conversion of Home Savings from an Ohio mutual savings and loan association to an Ohio capital stock savings association (the Conversion). Upon consummation of the Conversion on July 8, 1998, United Community became the unitary thrift holding company for Home Savings. Home Savings, a state-chartered savings bank, conducts business from its main office located in Youngstown, Ohio, 33 full-service branches and nine loan production offices located throughout Ohio and western Pennsylvania. | |||
The accompanying consolidated financial statements of United Community have been prepared in accordance with instructions relating to Form 10-Q. Accordingly, they do not include all of the information and footnotes required by U.S. generally accepted accounting principles (U.S. GAAP) for complete financial statements. However, such information reflects all adjustments (consisting solely of normal recurring adjustments) that are, in the opinion of management, necessary for a fair statement of results for the interim periods. | |||
The results of operations for the three and nine months ended September 30, 2013, are not necessarily indicative of the results to be expected for the year ending December 31, 2013. The consolidated financial statements and notes thereto should be read in conjunction with the audited financial statements and notes thereto for the year ended December 31, 2012, contained in United Community’s Form 10-K for the year ended December 31, 2012. | |||
Some items in the prior year financial statements were reclassified to conform to the current presentation. These reclassifications had no effect on prior period net income or shareholders’ equity. |
Regulatory_Enforcement_Action
Regulatory Enforcement Action | 9 Months Ended | ||
Sep. 30, 2013 | |||
Text Block [Abstract] | ' | ||
Regulatory Enforcement Action | ' | ||
2 | REGULATORY ENFORCEMENT ACTION | ||
United Community is a unitary thrift holding company regulated by the Board of Governors of the Federal Reserve System (FRB). On August 8, 2008, the board of directors of United Community approved a Stipulation and Consent to the Issuance of an Order with the Office of Thrift Supervision (OTS) (the Holding Company Order). Simultaneously, the board of directors of Home Savings approved a Stipulation and Consent to the Issuance of an Order to Cease and Desist (the Bank Order) with the Federal Deposit Insurance Corporation (FDIC) and the Ohio Division of Financial Institutions (the Ohio Division), which was terminated as of March 30, 2012 and replaced with a Consent Order (the Consent Order). The Consent Order was terminated on January 31, 2013. On January 31, 2013, Home Savings consented to a Memorandum of Understanding (the Bank MOU), as described below. Although United Community and Home Savings agreed to the issuance of the Holding Company Order, the Bank Order, the Consent Order and the Bank MOU, as the case may be, neither has admitted or denied any allegations of unsafe or unsound banking practices, or any legal or regulatory violations. No monetary penalties were assessed by the OTS, the FDIC or the Ohio Division when these orders were issued or since that time. | |||
The Holding Company Order required United Community to obtain FRB approval prior to: (i) incurring or increasing its debt position; (ii) repurchasing any United Community stock; or (iii) paying any dividends. The Holding Company Order also required United Community to develop a debt reduction plan and submit the plan to the OTS for approval. The Holding Company Order was amended November 5, 2010. The amendment removed the requirement in the original Holding Company Order to provide the OTS with a debt reduction plan and added a requirement to provide the OTS with a capital plan. The capital plan was consistent with and incorporated into the strategic planning process that Home Savings undertook when the Bank Order was issued. The capital plan was submitted to the OTS in December 2010. A revised capital plan was submitted to the FRB, FDIC and Ohio Division in December 2011 and a further revised capital plan was submitted in December 2012. The Holding Company Order was terminated on July 2, 2013. On July 9, 2013, United Community entered into a Memorandum of Understanding (the Holding Company MOU) with the FRB, under which we will not pay dividends, repurchase shares, or take on debt without the FRB’s prior approval. | |||
The Consent Order required Home Savings, within specified timeframes, to take or refrain from certain actions, including that it had to: (i) continue to retain qualified management; (ii) seek regulatory approval prior to adding any individuals to the board of directors or employing any individual as a senior executive officer of Home Savings; (iii) not extend additional credit to classified borrowers; (iv) revise its plan to reduce its classified assets, and, within six months, reduce total adversely classified assets to 75% of the level of classified assets as of May 31, 2011 (i.e., to $219.0 million by September 30, 2012) and, within twelve months, to 50% of the level of classified assets as of May 31, 2011 (i.e., to $146.0 million by March 31, 2013); (v) establish a comprehensive policy and methodology for determining the adequacy of the allowance for loan and lease losses (ALLL); (vi) adopt plans to reduce its classified assets and delinquent loans; (vii) adopt a plan to reduce certain loan concentrations; (viii) amend its strategic plan and budget and profit plan; (ix) increase its Tier 1 Leverage Capital Ratio to 9.0% and its Total Risk Based Capital Ratio to 12.0% by June 30, 2012, and revise its capital plan to achieve such capital levels; and (x) seek regulatory approval prior to declaring or paying any cash dividend. | |||
On January 31, 2013, the Consent Order was terminated and Home Savings entered into a MOU with the FDIC and Ohio Division. The MOU requires Home Savings to submit certain plans and reports to the FDIC and the Ohio Division, to seek the FDIC’s and Ohio Division’s prior consent before issuing any dividends to United Community, and to maintain its Tier 1 Leverage Capital Ratio at 8.50% and its Total Risk Based Capital Ratio at 12.0%. Management believes Home Savings is in compliance with capital requirements of the MOU. As of September 30, 2013, Home Savings Tier 1 Leverage Capital Ratio was 10.26% and its Total Risk Based Capital Ratio was 19.78%. | |||
As of December 31, 2012, the FDIC categorized Home Savings as adequately capitalized pursuant to the Bank Order and the Consent Order, respectively. However, because the Consent Order was terminated on January 31, 2013, Home Savings is now considered well capitalized. | |||
A failure to comply with the provisions of the Bank MOU or the Holding Company MOU could result in additional enforcement actions by the FDIC, Ohio Division or the FRB. | |||
The regulators, at their discretion, have the ability to place additional requirements on both Home Savings and United Community. |
Recent_Accounting_Developments
Recent Accounting Developments | 9 Months Ended | ||
Sep. 30, 2013 | |||
Accounting Changes And Error Corrections [Abstract] | ' | ||
Recent Accounting Developments | ' | ||
3 | RECENT ACCOUNTING DEVELOPMENTS | ||
In February 2013, the FASB issued ASU No. 2013-02, “Comprehensive Income (Topic 220): Reporting of Amounts Reclassified Out of Accumulated Other Comprehensive Income.” The primary objective of this ASU is improving the reporting of reclassifications out of accumulated other comprehensive income (AOCI). For significant reclassifications that are required to be presented in their entirety in net income in the same reporting period by U.S. GAAP the ASU requires an entity to report the effect of these reclassifications out of AOCI on the respective line items of net income either on the face of the statement that reports net income or in the financial statement notes. For AOCI items that that are not reclassified to net income in their entirety, presentation in the financial statement notes is required. The ASU does not change the current requirements for reporting net income or AOCI in the financial statements. This ASU is effective for public companies for fiscal years and interim periods within those years beginning after December 15, 2012. The ASU should be applied prospectively for all companies. Early application is permitted. The adoption of this ASU did not have a material effect on United Community’s financial statements. |
Stock_Compensation
Stock Compensation | 9 Months Ended | ||||||||||||
Sep. 30, 2013 | |||||||||||||
Disclosure Of Compensation Related Costs Sharebased Payments [Abstract] | ' | ||||||||||||
Stock Compensation | ' | ||||||||||||
4 | STOCK COMPENSATION | ||||||||||||
Stock Options: | |||||||||||||
On April 26, 2007, shareholders approved the United Community Financial Corp. 2007 Long-Term Incentive Plan (as amended, the 2007 Plan). The purpose of the 2007 Plan is to promote and advance the interests of United Community and its shareholders by enabling United Community to attract, retain and reward directors, directors emeritus, managerial and other key employees of United Community, including Home Savings, by facilitating their purchase of an ownership interest in United Community. The 2007 Plan provides for the issuance of up to 2,000,000 shares that are to be used for awards of restricted stock, stock options, performance awards, stock appreciation rights (SARs), or other forms of stock-based incentive awards. There were 12,317 stock options granted in 2013 and there were 10,898 stock options granted in 2012 under the 2007 Plan. The options must be exercised within 10 years from the date of grant. | |||||||||||||
On July 12, 1999, shareholders approved the United Community Financial Corp. 1999 Long-Term Incentive Plan (as amended, the 1999 Plan). The purpose of the 1999 Plan was the same as the 2007 Plan. The 1999 Plan terminated on May 20, 2009, although the 1999 Plan survives so long as options issued under the 1999 Plan remain outstanding and exercisable. | |||||||||||||
The 1999 Plan provided for the grant of either incentive or nonqualified stock options. Options were awarded at exercise prices that were not less than the fair market value of the share at the grant date. The maximum number of common shares that could be issued under the 1999 Plan was 3,569,766. Because the 1999 Plan terminated, no additional options may be issued under it. All of the options awarded became exercisable on the date of grant except that options granted in 2009 became exercisable over three years beginning on December 31, 2009. All options expire 10 years from the date of grant. | |||||||||||||
Expenses related to stock option grants are included with salaries and employee benefits. The Company recognized $5,500 in stock option expenses for the three months ended September 30, 2013 compared to $4,816 for the three months ended September 30, 2012. The Company recognized $14,970 in stock option expenses for the nine months ended September 30, 2013 compared to $13,042 for the nine months ended September 30, 2012. With respect to options currently outstanding, the Company expects to recognize additional expense of $5,344 in 2013, $16,690 in 2014, and $9,192 in 2015. | |||||||||||||
A summary of activity in the plans is as follows: | |||||||||||||
For the nine months ended September 30, 2013 | |||||||||||||
Shares | Weighted | Aggregate | |||||||||||
average | intrinsic value | ||||||||||||
exercise price | (in thousands) | ||||||||||||
Outstanding at beginning of year | 1,309,942 | $ | 5.77 | $ | 640 | ||||||||
Granted | 12,317 | 3.54 | — | ||||||||||
Exercised | (123,600 | ) | 2.01 | — | |||||||||
Forfeited | (241,729 | ) | 8.82 | — | |||||||||
Outstanding at end of period | 956,930 | $ | 5.46 | $ | 1,102 | ||||||||
Options exercisable at end of period | 929,028 | $ | 5.54 | $ | 1,065 | ||||||||
Information related to the stock option plans for the nine months ended September 30, 2013 follows: | |||||||||||||
September 30, 2013 | |||||||||||||
Intrinsic value of options exercised | $ | 304,056 | |||||||||||
Cash received from option exercises | 155,320 | ||||||||||||
Tax benefit realized from option exercises | — | ||||||||||||
Weighted average fair value of options granted, per share | $ | 2.38 | |||||||||||
The fair value of each stock option award is estimated on the date of grant using the Black-Scholes valuation model that uses assumptions including the risk-free interest rate, expected term, expected stock volatility, and dividend yield. Expected volatilities are based on historical volatilities of United Community’s common shares. United Community uses historical data to estimate option exercises and post-vesting termination behavior. The expected term of options granted is based on historical data and represents the period of time that options granted are expected to be outstanding, which takes into account that the options are not transferable. The risk-free interest rate for the expected term of the option is based on the U.S. Treasury yield curve in effect at the time of the grant. | |||||||||||||
The fair value of options granted during the third quarter 2013 was determined using the following weighted-average assumptions as of the grant date. | |||||||||||||
July 3, 2013 | |||||||||||||
Risk-free interest rate | 0.84 | % | |||||||||||
Expected term (years) | 5 | ||||||||||||
Expected stock volatility | 86.2 | % | |||||||||||
Dividend yield | — | % | |||||||||||
Outstanding stock options have a weighted average remaining life of 4.42 years and may be exercised in the range of $1.20 to $12.38. | |||||||||||||
Restricted Stock Awards: | |||||||||||||
The 2007 Plan permits the issuance of restricted stock awards to employees and nonemployee directors. Nonvested shares at September 30, 2013 aggregated 106,070, of which 32,685 will vest during 2013, 42,665 will vest during 2014, 29,883 will vest during 2015 and 837 will vest during 2016. Expenses related to restricted stock awards are charged to salaries and employee benefits and are recognized over the vesting period of the awards based on the market value of the shares at the grant date. The Company recognized approximately $68,000 in restricted stock award expenses for the three months ended September 30, 2013 and approximately $260,000 in restricted stock award expenses for the nine months ended September 30, 2013. The Company recognized approximately $103,000 in restricted stock award expenses for the three months ended September 30, 2012 and approximately $604,000 in restricted stock award expenses for the nine months ended September 30, 2012. Based upon past awards of restricted stock, the Company expects to recognize additional expenses of approximately $68,000 for the remainder of 2013, $184,000 in 2014, and $76,000 in 2015. | |||||||||||||
A summary of changes in the Company’s nonvested restricted shares for the first nine months of 2013 is as follows: | |||||||||||||
Shares | Weighted | ||||||||||||
average grant | |||||||||||||
date fair value | |||||||||||||
Nonvested shares at January 1, 2013 | 129,321 | $ | 2.86 | ||||||||||
Granted | 17,226 | 3.82 | |||||||||||
Vested | (26,317 | ) | 2.09 | ||||||||||
Forfeited | (14,160 | ) | 3.06 | ||||||||||
Nonvested shares at September 30, 2013 | 106,070 | $ | 3.18 | ||||||||||
Securities
Securities | 9 Months Ended | ||||||||||||||||||||||||
Sep. 30, 2013 | |||||||||||||||||||||||||
Investments Debt And Equity Securities [Abstract] | ' | ||||||||||||||||||||||||
Securities | ' | ||||||||||||||||||||||||
5 | SECURITIES | ||||||||||||||||||||||||
Components of the available for sale portfolio are as follows: | |||||||||||||||||||||||||
September 30, 2013 | |||||||||||||||||||||||||
(Dollars in thousands) | |||||||||||||||||||||||||
Amortized | Gross | Gross | Fair | ||||||||||||||||||||||
Cost | Unrealized | Unrealized | Value | ||||||||||||||||||||||
Gains | Losses | ||||||||||||||||||||||||
Available for Sale | |||||||||||||||||||||||||
U.S. Treasury and government sponsored entities’ securities | $ | 250,268 | $ | 1 | $ | (20,506 | ) | $ | 229,763 | ||||||||||||||||
Equity securities | 101 | 295 | — | 396 | |||||||||||||||||||||
Mortgage-backed GSE securities: residential | 322,395 | 651 | (10,394 | ) | 312,652 | ||||||||||||||||||||
Total | $ | 572,764 | $ | 947 | $ | (30,900 | ) | $ | 542,811 | ||||||||||||||||
31-Dec-12 | |||||||||||||||||||||||||
(Dollars in thousands) | |||||||||||||||||||||||||
Amortized | Gross | Gross | Fair | ||||||||||||||||||||||
Cost | Unrealized | Unrealized | Value | ||||||||||||||||||||||
Gains | Losses | ||||||||||||||||||||||||
Available for Sale | |||||||||||||||||||||||||
U.S. Treasury and government sponsored entities’ securities | $ | 161,845 | $ | 2,409 | $ | (562 | ) | $ | 163,692 | ||||||||||||||||
Equity securities | 101 | 212 | — | 313 | |||||||||||||||||||||
Mortgage-backed GSE securities: residential | 404,563 | 6,142 | (148 | ) | 410,557 | ||||||||||||||||||||
Total | $ | 566,509 | $ | 8,763 | $ | (710 | ) | $ | 574,562 | ||||||||||||||||
Debt securities available for sale by contractual maturity, repricing or expected call date are shown below: | |||||||||||||||||||||||||
September 30, 2013 | |||||||||||||||||||||||||
(Dollars in thousands) | |||||||||||||||||||||||||
Amortized | Fair | ||||||||||||||||||||||||
Cost | Value | ||||||||||||||||||||||||
Due in one year or less | $ | — | $ | — | |||||||||||||||||||||
Due after one year through five years | 500 | 501 | |||||||||||||||||||||||
Due after five years through ten years | 161,153 | 149,827 | |||||||||||||||||||||||
Due after ten years through fifteen years | 88,615 | 79,435 | |||||||||||||||||||||||
Mortgage-related securities | 322,394 | 312,652 | |||||||||||||||||||||||
Total | $ | 572,662 | $ | 542,415 | |||||||||||||||||||||
Home Savings had no securities pledged for the Company’s participation in the VISA payment processing program as of September 30, 2013 and had pledged approximately $5.8 million as of December 31, 2012. The requirement for Home Savings to pledge securities for participation in the VISA payment processing program was rescinded due to the termination of the Consent Order, as previously disclosed. Securities pledged for participation in the Ohio Linked Deposit Program were approximately $389,000 and $417,000 as of September 30, 2013 and December 31, 2012, respectively. | |||||||||||||||||||||||||
Securities available for sale in an unrealized loss position are as follows: | |||||||||||||||||||||||||
September 30, 2013 | |||||||||||||||||||||||||
(Dollars in thousands) | |||||||||||||||||||||||||
Less Than 12 Months | 12 Months or More | Total | |||||||||||||||||||||||
Fair | Unrealized | Fair | Unrealized | Fair | Unrealized | ||||||||||||||||||||
Value | Loss | Value | Loss | Value | Loss | ||||||||||||||||||||
U.S. Treasury and government sponsored entities’ securities | $ | 229,262 | $ | (20,506 | ) | $ | — | $ | — | $ | 229,262 | $ | (20,506 | ) | |||||||||||
Mortgage-related securities | 264,019 | (10,136 | ) | 8,704 | (257 | ) | 272,723 | (10,393 | ) | ||||||||||||||||
Total | $ | 493,281 | $ | (30,642 | ) | $ | 8,704 | $ | (257 | ) | $ | 501,985 | $ | (30,899 | ) | ||||||||||
31-Dec-12 | |||||||||||||||||||||||||
(Dollars in thousands) | |||||||||||||||||||||||||
Less Than 12 Months | 12 Months or More | Total | |||||||||||||||||||||||
Fair | Unrealized | Fair | Unrealized | Fair | Unrealized | ||||||||||||||||||||
Value | Loss | Value | Loss | Value | Loss | ||||||||||||||||||||
U.S. Treasury and government sponsored entities’ securities | $ | 42,480 | $ | (562 | ) | $ | — | $ | — | $ | 42,480 | $ | (562 | ) | |||||||||||
Mortgage-related securities | 72,020 | (148 | ) | — | — | 72,020 | (148 | ) | |||||||||||||||||
Total | $ | 114,500 | $ | (710 | ) | $ | — | $ | — | $ | 114,500 | $ | (710 | ) | |||||||||||
Unrealized losses on U.S. Treasury and government sponsored entities and mortgage-backed securities have not been recognized into income as of September 30, 2013 and December 31, 2012 because the issuer’s securities are of high credit quality (rated AA or higher), management does not intend to sell, and it is likely that management will not be required to sell, the securities prior to their anticipated recovery, and the decline in fair value is largely due to changes in interest rates and other market conditions. The primarily reason for the decline in fair value was the rise in longer term interest rates experienced during the second and third quarters of 2013. The fair value is expected to recover as the investments approach maturity. | |||||||||||||||||||||||||
Proceeds from sales of securities available for sale were $97.1 million and $286.9 million for the nine months ended September 30, 2013 and 2012, respectively. Gross gains of $0 and $1.2 million were realized on these sales during the third quarter of 2013 and 2012, respectively. Gross gains of $2.6 million and $5.2 million were realized on these sales during the first nine months of 2013 and 2012, respectively. |
Loans
Loans | 9 Months Ended | ||||||||||||||||||||||||||||
Sep. 30, 2013 | |||||||||||||||||||||||||||||
Receivables [Abstract] | ' | ||||||||||||||||||||||||||||
Loans | ' | ||||||||||||||||||||||||||||
6 | LOANS | ||||||||||||||||||||||||||||
Portfolio loans consist of the following: | |||||||||||||||||||||||||||||
September 30, | December 31, | ||||||||||||||||||||||||||||
2013 | 2012 | ||||||||||||||||||||||||||||
(Dollars in thousands) | |||||||||||||||||||||||||||||
Real Estate: | |||||||||||||||||||||||||||||
One-to four-family residential | $ | 575,791 | $ | 577,249 | |||||||||||||||||||||||||
Multi-family residential | 55,696 | 80,923 | |||||||||||||||||||||||||||
Nonresidential | 127,699 | 138,188 | |||||||||||||||||||||||||||
Land | 9,546 | 15,808 | |||||||||||||||||||||||||||
Construction: | |||||||||||||||||||||||||||||
One-to four-family residential and land development | 38,932 | 28,318 | |||||||||||||||||||||||||||
Multi-family and nonresidential | — | 4,534 | |||||||||||||||||||||||||||
Total real estate | 807,664 | 845,020 | |||||||||||||||||||||||||||
Consumer | |||||||||||||||||||||||||||||
Home equity | 163,866 | 177,230 | |||||||||||||||||||||||||||
Auto | 5,943 | 7,648 | |||||||||||||||||||||||||||
Marine | 4,432 | 4,942 | |||||||||||||||||||||||||||
Recreational vehicles | 17,939 | 22,250 | |||||||||||||||||||||||||||
Other | 2,203 | 2,523 | |||||||||||||||||||||||||||
Total consumer | 194,383 | 214,593 | |||||||||||||||||||||||||||
Commercial | |||||||||||||||||||||||||||||
Secured | 26,113 | 24,243 | |||||||||||||||||||||||||||
Unsecured | 775 | 2,300 | |||||||||||||||||||||||||||
Total commercial | 26,888 | 26,543 | |||||||||||||||||||||||||||
Total loans | 1,028,935 | 1,086,156 | |||||||||||||||||||||||||||
Less: | |||||||||||||||||||||||||||||
Allowance for loan losses | 21,032 | 21,130 | |||||||||||||||||||||||||||
Deferred loan costs, net | (1,126 | ) | (1,214 | ) | |||||||||||||||||||||||||
Total | 19,906 | 19,916 | |||||||||||||||||||||||||||
Loans, net | $ | 1,009,029 | $ | 1,066,240 | |||||||||||||||||||||||||
Loan commitments are agreements to lend to a customer as long as there is no violation of any condition established in the contract. Commitments extend over various periods of time, with the majority of such commitments disbursed within a sixty-day period. Commitments generally have fixed expiration dates or other termination clauses, may require payment of a fee and may expire unused. Commitments to extend credit at fixed rates expose Home Savings to some degree of interest rate risk. Home Savings evaluates each customer’s creditworthiness on a case-by-case basis. The type or amount of collateral obtained varies and is based on management’s credit evaluation of the potential borrower. Home Savings normally has a number of outstanding commitments to extend credit. | |||||||||||||||||||||||||||||
The following tables present the balance in the allowance for loan losses and the recorded investment in loans by portfolio segment and based on impairment method as of September 30, 2013 and December 31, 2012 and activity for the three and nine months ended September 30, 2013 and 2012. In accordance with GAAP, the net losses associated with loans sold as part of the bulk asset sale in the third quarter of 2012 were recorded as net chargeoffs of $38.2 million through the allowance for loan losses. | |||||||||||||||||||||||||||||
Allowance For Loan Losses | |||||||||||||||||||||||||||||
(Dollars in thousands) | |||||||||||||||||||||||||||||
Permanent | Construction | Consumer | Commercial | Total | |||||||||||||||||||||||||
Real Estate | Loans | Loans | Loans | ||||||||||||||||||||||||||
Loans | |||||||||||||||||||||||||||||
For the three months ended September 30, 2013 | |||||||||||||||||||||||||||||
Beginning balance (06/30/13) | $ | 12,129 | $ | 1,803 | $ | 4,202 | $ | 903 | $ | 19,037 | |||||||||||||||||||
Provision | 2,286 | (1,800 | ) | 394 | (223 | ) | 657 | ||||||||||||||||||||||
Chargeoffs | (651 | ) | (37 | ) | (400 | ) | (16 | ) | (1,104 | ) | |||||||||||||||||||
Recoveries | 92 | 1,913 | 257 | 180 | 2,442 | ||||||||||||||||||||||||
Ending balance (09/30/13) | $ | 13,856 | $ | 1,879 | $ | 4,453 | $ | 844 | $ | 21,032 | |||||||||||||||||||
For the nine months ended September 30, 2013 | |||||||||||||||||||||||||||||
Beginning balance (12/31/12) | $ | 13,819 | $ | 1,404 | $ | 4,459 | $ | 1,448 | $ | 21,130 | |||||||||||||||||||
Provision | 5,064 | (1,354 | ) | 967 | (843 | ) | 3,834 | ||||||||||||||||||||||
Chargeoffs | (5,794 | ) | (402 | ) | (1,514 | ) | (144 | ) | (7,854 | ) | |||||||||||||||||||
Recoveries | 767 | 2,231 | 541 | 383 | 3,922 | ||||||||||||||||||||||||
Ending balance (09/30/13) | $ | 13,856 | $ | 1,879 | $ | 4,453 | $ | 844 | $ | 21,032 | |||||||||||||||||||
September 30, 2013 | |||||||||||||||||||||||||||||
Period-end amount allocated to: | |||||||||||||||||||||||||||||
Loans individually evaluated for impairment | $ | 1,222 | $ | 677 | $ | 524 | $ | — | $ | 2,423 | |||||||||||||||||||
Loans collectively evaluated for impairment | 12,634 | 1,202 | 3,929 | 844 | 18,609 | ||||||||||||||||||||||||
Ending balance | $ | 13,856 | $ | 1,879 | $ | 4,453 | $ | 844 | $ | 21,032 | |||||||||||||||||||
Period-end balances: | |||||||||||||||||||||||||||||
Loans individually evaluated for impairment | $ | 26,259 | $ | 3,333 | $ | 12,407 | $ | 4,328 | $ | 46,327 | |||||||||||||||||||
Loans collectively evaluated for impairment | 742,473 | 35,599 | 181,976 | 22,560 | 982,608 | ||||||||||||||||||||||||
Ending balance | $ | 768,732 | $ | 38,932 | $ | 194,383 | $ | 26,888 | $ | 1,028,935 | |||||||||||||||||||
The ASC 310 reserve, or where applicable the ASC 450 reserve, as it related to loans included in the bulk asset sale were treated as chargeoffs in the ASC 450 methodology of determining historic loan loss experience. | |||||||||||||||||||||||||||||
Allowance For Loan Losses | |||||||||||||||||||||||||||||
(Dollars in thousands) | |||||||||||||||||||||||||||||
Permanent | Construction | Consumer | Commercial | Total | |||||||||||||||||||||||||
Real Estate | Loans | Loans | Loans | ||||||||||||||||||||||||||
Loans | |||||||||||||||||||||||||||||
For the three months ended September 30, 2012 | |||||||||||||||||||||||||||||
Beginning balance (06/30/12) | $ | 22,121 | $ | 2,490 | $ | 4,805 | $ | 1,517 | $ | 30,933 | |||||||||||||||||||
Provision | 27,905 | 1,678 | 1,288 | (592 | ) | 30,279 | |||||||||||||||||||||||
Chargeoffs | (2,267 | ) | (543 | ) | (839 | ) | (233 | ) | (3,882 | ) | |||||||||||||||||||
Recoveries | 468 | 139 | 125 | 144 | 876 | ||||||||||||||||||||||||
Net (chargeoffs) recovery from asset sale | (35,744 | ) | (2,134 | ) | (822 | ) | 542 | (38,158 | ) | ||||||||||||||||||||
Ending balance (09/30/12) | $ | 12,483 | $ | 1,630 | $ | 4,557 | $ | 1,378 | $ | 20,048 | |||||||||||||||||||
For the nine months ended September 30, 2012 | |||||||||||||||||||||||||||||
Beginning balance (12/31/11) | $ | 31,323 | $ | 4,493 | $ | 4,576 | $ | 1,879 | $ | 42,271 | |||||||||||||||||||
Provision | 32,539 | 2,293 | 2,422 | (31 | ) | 37,223 | |||||||||||||||||||||||
Chargeoffs | (16,328 | ) | (3,213 | ) | (2,198 | ) | (1,207 | ) | (22,946 | ) | |||||||||||||||||||
Recoveries | 693 | 191 | 579 | 195 | 1,658 | ||||||||||||||||||||||||
Net (chargeoffs) recovery from asset sale | (35,744 | ) | (2,134 | ) | (822 | ) | 542 | (38,158 | ) | ||||||||||||||||||||
Ending balance (09/30/12) | $ | 12,483 | $ | 1,630 | $ | 4,557 | $ | 1,378 | $ | 20,048 | |||||||||||||||||||
December 31, 2012 | |||||||||||||||||||||||||||||
Period-end amount allocated to: | |||||||||||||||||||||||||||||
Loans individually evaluated for impairment | $ | 2,380 | $ | 478 | $ | — | $ | 166 | $ | 3,024 | |||||||||||||||||||
Loans collectively evaluated for impairment | 11,439 | 926 | 4,459 | 1,282 | 18,106 | ||||||||||||||||||||||||
Ending balance | $ | 13,819 | $ | 1,404 | $ | 4,459 | $ | 1,448 | $ | 21,130 | |||||||||||||||||||
Period-end balances: | |||||||||||||||||||||||||||||
Loans individually evaluated for impairment | $ | 43,013 | $ | 7,547 | $ | 8,784 | $ | 1,673 | $ | 61,017 | |||||||||||||||||||
Loans collectively evaluated for impairment | 769,155 | 25,305 | 205,809 | 24,870 | 1,025,139 | ||||||||||||||||||||||||
Ending balance | $ | 812,168 | $ | 32,852 | $ | 214,593 | $ | 26,543 | $ | 1,086,156 | |||||||||||||||||||
The unpaid principal balance is the total amount of the loan that is due to Home Savings. The recorded investment includes the unpaid principal balance less any chargeoffs or partial chargeoffs applied to specific loans. The unpaid principal balance and the recorded investment both exclude accrued interest receivable and deferred loan costs, both of which are immaterial. | |||||||||||||||||||||||||||||
The following table presents loans individually evaluated for impairment by class of loans as of and for the nine months ended September 30, 2013: | |||||||||||||||||||||||||||||
Impaired Loans | |||||||||||||||||||||||||||||
(Dollars in thousands) | |||||||||||||||||||||||||||||
Unpaid | Recorded | Allowance | Average | Interest | Cash Basis | ||||||||||||||||||||||||
Principal | Investment | for Loan | Recorded | Income | Income | ||||||||||||||||||||||||
Balance | Losses | Investment | Recognized | Recognized | |||||||||||||||||||||||||
Allocated | |||||||||||||||||||||||||||||
With no specific allowance recorded | |||||||||||||||||||||||||||||
Permanent real estate | |||||||||||||||||||||||||||||
One-to four-family residential | $ | 14,687 | $ | 12,469 | $ | — | $ | 16,088 | $ | 333 | $ | 385 | |||||||||||||||||
Multifamily residential | 737 | 643 | — | 766 | 2 | 9 | |||||||||||||||||||||||
Nonresidential | 6,380 | 5,227 | — | 7,209 | 12 | 44 | |||||||||||||||||||||||
Land | 3,913 | 487 | — | 2,120 | — | — | |||||||||||||||||||||||
Total | 25,717 | 18,826 | — | 26,183 | 347 | 438 | |||||||||||||||||||||||
Construction loans | |||||||||||||||||||||||||||||
One-to four-family residential | 1,501 | 1,092 | — | 2,070 | — | 2 | |||||||||||||||||||||||
Multifamily and nonresidential | — | — | — | — | — | — | |||||||||||||||||||||||
Total | 1,501 | 1,092 | — | 2,070 | — | 2 | |||||||||||||||||||||||
Consumer loans | |||||||||||||||||||||||||||||
Home Equity | 9,073 | 8,511 | — | 8,942 | 300 | 328 | |||||||||||||||||||||||
Auto | 50 | 33 | — | 40 | 1 | 3 | |||||||||||||||||||||||
Marine | 162 | 162 | — | 182 | — | 7 | |||||||||||||||||||||||
Recreational vehicle | 270 | 245 | — | 737 | 9 | 12 | |||||||||||||||||||||||
Other | — | — | — | 2 | — | — | |||||||||||||||||||||||
Total | 9,555 | 8,951 | — | 9,903 | 310 | 350 | |||||||||||||||||||||||
Commercial loans | |||||||||||||||||||||||||||||
Secured | 4,701 | 4,328 | — | 2,798 | — | 41 | |||||||||||||||||||||||
Unsecured | 4,197 | — | — | 188 | 1 | 56 | |||||||||||||||||||||||
Total | 8,898 | 4,328 | — | 2,986 | 1 | 97 | |||||||||||||||||||||||
Total | $ | 45,671 | $ | 33,197 | $ | — | $ | 41,142 | $ | 658 | $ | 887 | |||||||||||||||||
With a specific allowance recorded | |||||||||||||||||||||||||||||
Permanent real estate | |||||||||||||||||||||||||||||
One-to four-family residential | $ | 6,670 | $ | 6,665 | $ | 1,092 | $ | 2,036 | $ | 192 | $ | 193 | |||||||||||||||||
Multifamily residential | 185 | 85 | 25 | 554 | — | — | |||||||||||||||||||||||
Nonresidential | 950 | 683 | 105 | 4,869 | — | 8 | |||||||||||||||||||||||
Land | — | — | — | 1,064 | — | — | |||||||||||||||||||||||
Total | 7,805 | 7,433 | 1,222 | 8,523 | 192 | 201 | |||||||||||||||||||||||
Construction loans | |||||||||||||||||||||||||||||
One-to four-family residential | 3,829 | 2,241 | 677 | 2,984 | — | — | |||||||||||||||||||||||
Multifamily and nonresidential | — | — | — | — | — | — | |||||||||||||||||||||||
Total | 3,829 | 2,241 | 677 | 2,984 | — | — | |||||||||||||||||||||||
Consumer loans | |||||||||||||||||||||||||||||
Home Equity | 2,728 | 2,728 | 365 | 683 | 69 | 72 | |||||||||||||||||||||||
Auto | — | — | — | — | — | — | |||||||||||||||||||||||
Marine | — | — | — | — | — | — | |||||||||||||||||||||||
Recreational vehicle | 756 | 728 | 159 | 182 | 14 | 14 | |||||||||||||||||||||||
Other | — | — | — | — | — | — | |||||||||||||||||||||||
Total | 3,484 | 3,456 | 524 | 865 | 83 | 86 | |||||||||||||||||||||||
Commercial loans | |||||||||||||||||||||||||||||
Secured | — | — | — | 208 | — | — | |||||||||||||||||||||||
Unsecured | — | — | — | — | — | — | |||||||||||||||||||||||
Total | — | — | — | 208 | — | — | |||||||||||||||||||||||
Total | $ | 15,118 | $ | 13,130 | $ | 2,423 | $ | 12,580 | $ | 275 | $ | 287 | |||||||||||||||||
Total | $ | 60,789 | $ | 46,327 | $ | 2,423 | $ | 53,722 | $ | 933 | $ | 1,174 | |||||||||||||||||
The following tables present loans individually evaluated for impairment by class of loans as of and for the nine months ended September 30, 2012: | |||||||||||||||||||||||||||||
Impaired Loans | |||||||||||||||||||||||||||||
(Dollars in thousands) | |||||||||||||||||||||||||||||
Unpaid | Recorded | Allowance | Average | Interest | Cash Basis | ||||||||||||||||||||||||
Principal | Investment | for Loan | Recorded | Income | Income | ||||||||||||||||||||||||
Balance | Losses | Investment | Recognized | Recognized | |||||||||||||||||||||||||
Allocated | |||||||||||||||||||||||||||||
With no specific allowance recorded | |||||||||||||||||||||||||||||
Permanent real estate | |||||||||||||||||||||||||||||
One-to four-family residential | $ | 17,027 | $ | 15,594 | $ | — | $ | 25,431 | $ | 424 | $ | 461 | |||||||||||||||||
Multifamily residential | 610 | 515 | — | 3,363 | — | 9 | |||||||||||||||||||||||
Nonresidential | 11,308 | 11,145 | — | 23,348 | 22 | 62 | |||||||||||||||||||||||
Land | 4,584 | 3,811 | — | 5,789 | — | 3 | |||||||||||||||||||||||
Total | 33,529 | 31,065 | — | 57,931 | 446 | 535 | |||||||||||||||||||||||
Construction loans | |||||||||||||||||||||||||||||
One-to four-family residential | 6,465 | 2,553 | — | 8,289 | 9 | 21 | |||||||||||||||||||||||
Multifamily and nonresidential | 587 | — | — | — | — | — | |||||||||||||||||||||||
Total | 7,052 | 2,553 | — | 8,289 | 9 | 21 | |||||||||||||||||||||||
Consumer loans | |||||||||||||||||||||||||||||
Home Equity | 5,921 | 4,956 | — | 4,365 | 133 | 163 | |||||||||||||||||||||||
Auto | 72 | 52 | — | 56 | — | 4 | |||||||||||||||||||||||
Marine | 170 | 170 | — | 220 | — | 9 | |||||||||||||||||||||||
Recreational vehicle | 912 | 637 | — | 514 | — | 37 | |||||||||||||||||||||||
Other | 7 | 7 | — | 7 | — | 1 | |||||||||||||||||||||||
Total | 7,082 | 5,822 | — | 5,162 | 133 | 214 | |||||||||||||||||||||||
Commercial loans | |||||||||||||||||||||||||||||
Secured | 2,298 | 1,378 | — | 1,948 | 18 | 97 | |||||||||||||||||||||||
Unsecured | 3,066 | 43 | — | 344 | 1 | 12 | |||||||||||||||||||||||
Total | 5,364 | 1,421 | — | 2,292 | 19 | 109 | |||||||||||||||||||||||
Total | $ | 53,027 | $ | 40,861 | $ | — | $ | 73,674 | $ | 607 | $ | 879 | |||||||||||||||||
Impaired Loans | |||||||||||||||||||||||||||||
(Dollars in thousands) | |||||||||||||||||||||||||||||
Unpaid | Recorded | Allowance | Average | Interest | Cash Basis | ||||||||||||||||||||||||
Principal | Investment | for Loan | Recorded | Income | Income | ||||||||||||||||||||||||
Balance | Losses | Investment | Recognized | Recognized | |||||||||||||||||||||||||
Allocated | |||||||||||||||||||||||||||||
With a specific allowance recorded | |||||||||||||||||||||||||||||
Permanent real estate | |||||||||||||||||||||||||||||
One-to four-family residential | $ | — | $ | — | $ | — | $ | 1,489 | $ | — | $ | — | |||||||||||||||||
Multifamily residential | 1,026 | 1,011 | 57 | 2,742 | — | 17 | |||||||||||||||||||||||
Nonresidential | 8,168 | 7,115 | 956 | 25,788 | 55 | 74 | |||||||||||||||||||||||
Land | 4,588 | 2,371 | 268 | 3,226 | — | 12 | |||||||||||||||||||||||
Total | 13,782 | 10,497 | 1,281 | 33,245 | 55 | 103 | |||||||||||||||||||||||
Construction loans | |||||||||||||||||||||||||||||
One-to four-family residential | 21,648 | 7,427 | 664 | 13,032 | 15 | 27 | |||||||||||||||||||||||
Multifamily and nonresidential | — | — | — | — | — | — | |||||||||||||||||||||||
Total | 21,648 | 7,427 | 664 | 13,032 | 15 | 27 | |||||||||||||||||||||||
Consumer loans | |||||||||||||||||||||||||||||
Home Equity | — | — | — | — | — | — | |||||||||||||||||||||||
Auto | — | — | — | — | — | — | |||||||||||||||||||||||
Marine | — | — | — | 121 | — | — | |||||||||||||||||||||||
Recreational vehicle | 88 | 36 | 18 | 36 | — | — | |||||||||||||||||||||||
Other | — | — | — | — | — | — | |||||||||||||||||||||||
Total | 88 | 36 | 18 | 157 | — | — | |||||||||||||||||||||||
Commercial loans | |||||||||||||||||||||||||||||
Secured | 798 | 423 | 166 | 488 | — | 3 | |||||||||||||||||||||||
Unsecured | — | — | — | 19 | — | — | |||||||||||||||||||||||
Total | 798 | 423 | 166 | 507 | — | 3 | |||||||||||||||||||||||
Total | $ | 36,316 | $ | 18,383 | $ | 2,129 | $ | 46,941 | $ | 70 | $ | 133 | |||||||||||||||||
Total | $ | 89,343 | $ | 59,244 | $ | 2,129 | $ | 120,615 | $ | 677 | $ | 1,012 | |||||||||||||||||
The following tables present loans individually evaluated for impairment by class of loans as of and for the three months ended September 30, 2013: | |||||||||||||||||||||||||||||
Impaired Loans | |||||||||||||||||||||||||||||
(Dollars in thousands) | |||||||||||||||||||||||||||||
Average | Interest | Cash Basis | |||||||||||||||||||||||||||
Recorded | Income | Income | |||||||||||||||||||||||||||
Investment | Recognized | Recognized | |||||||||||||||||||||||||||
With no specific allowance recorded | |||||||||||||||||||||||||||||
Permanent real estate | |||||||||||||||||||||||||||||
One-to four-family residential | $ | 14,977 | $ | 128 | $ | 165 | |||||||||||||||||||||||
Multifamily residential | 652 | — | 4 | ||||||||||||||||||||||||||
Nonresidential | 5,270 | 2 | 20 | ||||||||||||||||||||||||||
Land | 487 | — | — | ||||||||||||||||||||||||||
Total | 21,386 | 130 | 189 | ||||||||||||||||||||||||||
Construction loans | |||||||||||||||||||||||||||||
One-to four-family residential | 1,587 | — | — | ||||||||||||||||||||||||||
Multifamily and nonresidential | — | — | — | ||||||||||||||||||||||||||
Total | 1,587 | — | — | ||||||||||||||||||||||||||
Consumer loans | |||||||||||||||||||||||||||||
Home Equity | 9,467 | 109 | 116 | ||||||||||||||||||||||||||
Auto | 39 | — | 1 | ||||||||||||||||||||||||||
Marine | 174 | — | 2 | ||||||||||||||||||||||||||
Recreational vehicle | 677 | 4 | 6 | ||||||||||||||||||||||||||
Other | — | — | — | ||||||||||||||||||||||||||
Total | 10,357 | 113 | 125 | ||||||||||||||||||||||||||
Commercial loans | |||||||||||||||||||||||||||||
Secured | 4,420 | — | 8 | ||||||||||||||||||||||||||
Unsecured | 1 | — | 28 | ||||||||||||||||||||||||||
Total | 4,421 | — | 36 | ||||||||||||||||||||||||||
Total | $ | 37,751 | $ | 243 | $ | 350 | |||||||||||||||||||||||
Impaired Loans | |||||||||||||||||||||||||||||
(Dollars in thousands) | |||||||||||||||||||||||||||||
Average | Interest | Cash Basis | |||||||||||||||||||||||||||
Recorded | Income | Income | |||||||||||||||||||||||||||
Investment | Recognized | Recognized | |||||||||||||||||||||||||||
With a specific allowance recorded | |||||||||||||||||||||||||||||
Permanent real estate | |||||||||||||||||||||||||||||
One-to four-family residential | $ | 3,338 | $ | 98 | $ | 98 | |||||||||||||||||||||||
Multifamily residential | 85 | — | — | ||||||||||||||||||||||||||
Nonresidential | 1,339 | — | 1 | ||||||||||||||||||||||||||
Land | — | — | — | ||||||||||||||||||||||||||
Total | 4,762 | 98 | 99 | ||||||||||||||||||||||||||
Construction loans | |||||||||||||||||||||||||||||
One-to four-family residential | 2,279 | — | — | ||||||||||||||||||||||||||
Multifamily and nonresidential | — | — | — | ||||||||||||||||||||||||||
Total | 2,279 | — | — | ||||||||||||||||||||||||||
Consumer loans | |||||||||||||||||||||||||||||
Home Equity | 1,364 | 38 | 38 | ||||||||||||||||||||||||||
Auto | — | — | — | ||||||||||||||||||||||||||
Marine | — | — | — | ||||||||||||||||||||||||||
Recreational vehicle | 364 | 5 | 5 | ||||||||||||||||||||||||||
Other | — | — | — | ||||||||||||||||||||||||||
Total | 1,728 | 43 | 43 | ||||||||||||||||||||||||||
Commercial loans | |||||||||||||||||||||||||||||
Secured | 102 | — | — | ||||||||||||||||||||||||||
Unsecured | — | — | — | ||||||||||||||||||||||||||
Total | 102 | — | — | ||||||||||||||||||||||||||
Total | $ | 8,871 | $ | 141 | $ | 142 | |||||||||||||||||||||||
Total | $ | 46,622 | $ | 384 | $ | 492 | |||||||||||||||||||||||
The following tables present loans individually evaluated for impairment by class of loans as of and for the three months ended September 30, 2012: | |||||||||||||||||||||||||||||
Impaired Loans | |||||||||||||||||||||||||||||
(Dollars in thousands) | |||||||||||||||||||||||||||||
Average | Interest | Cash Basis | |||||||||||||||||||||||||||
Recorded | Income | Income | |||||||||||||||||||||||||||
Investment | Recognized | Recognized | |||||||||||||||||||||||||||
With no specific allowance recorded | |||||||||||||||||||||||||||||
Permanent real estate | |||||||||||||||||||||||||||||
One-to four-family residential | $ | 22,316 | $ | 194 | $ | 205 | |||||||||||||||||||||||
Multifamily residential | 2,688 | — | 1 | ||||||||||||||||||||||||||
Nonresidential | 17,943 | 9 | 22 | ||||||||||||||||||||||||||
Land | 4,804 | — | — | ||||||||||||||||||||||||||
Total | 47,751 | 203 | 228 | ||||||||||||||||||||||||||
Construction loans | |||||||||||||||||||||||||||||
One-to four-family residential | 5,157 | 3 | 7 | ||||||||||||||||||||||||||
Multifamily and nonresidential | — | — | — | ||||||||||||||||||||||||||
Total | 5,157 | 3 | 7 | ||||||||||||||||||||||||||
Consumer loans | |||||||||||||||||||||||||||||
Home Equity | 4,953 | 50 | 64 | ||||||||||||||||||||||||||
Auto | 55 | — | 1 | ||||||||||||||||||||||||||
Marine | 262 | — | 4 | ||||||||||||||||||||||||||
Recreational vehicle | 648 | — | 16 | ||||||||||||||||||||||||||
Other | 7 | — | — | ||||||||||||||||||||||||||
Total | 5,925 | 50 | 85 | ||||||||||||||||||||||||||
Commercial loans | |||||||||||||||||||||||||||||
Secured | 1,438 | 6 | 28 | ||||||||||||||||||||||||||
Unsecured | 125 | — | 3 | ||||||||||||||||||||||||||
Total | 1,563 | 6 | 31 | ||||||||||||||||||||||||||
Total | $ | 60,396 | $ | 262 | $ | 351 | |||||||||||||||||||||||
Impaired Loans | |||||||||||||||||||||||||||||
(Dollars in thousands) | |||||||||||||||||||||||||||||
Average | Interest | Cash Basis | |||||||||||||||||||||||||||
Recorded | Income | Income | |||||||||||||||||||||||||||
Investment | Recognized | Recognized | |||||||||||||||||||||||||||
With a specific allowance recorded | |||||||||||||||||||||||||||||
Permanent real estate | |||||||||||||||||||||||||||||
One-to four-family residential | $ | 1,802 | $ | — | $ | — | |||||||||||||||||||||||
Multifamily residential | 3,102 | — | — | ||||||||||||||||||||||||||
Nonresidential | 15,467 | 18 | 22 | ||||||||||||||||||||||||||
Land | 2,755 | — | — | ||||||||||||||||||||||||||
Total | 23,126 | 18 | 22 | ||||||||||||||||||||||||||
Construction loans | |||||||||||||||||||||||||||||
One-to four-family residential | 9,913 | 5 | 8 | ||||||||||||||||||||||||||
Multifamily and nonresidential | — | — | — | ||||||||||||||||||||||||||
Total | 9,913 | 5 | 8 | ||||||||||||||||||||||||||
Consumer loans | |||||||||||||||||||||||||||||
Home Equity | — | — | — | ||||||||||||||||||||||||||
Auto | — | — | — | ||||||||||||||||||||||||||
Marine | — | — | — | ||||||||||||||||||||||||||
Recreational vehicle | 36 | — | — | ||||||||||||||||||||||||||
Other | — | — | — | ||||||||||||||||||||||||||
Total | 36 | — | — | ||||||||||||||||||||||||||
Commercial loans | |||||||||||||||||||||||||||||
Secured | 504 | — | — | ||||||||||||||||||||||||||
Unsecured | — | — | — | ||||||||||||||||||||||||||
Total | 504 | — | — | ||||||||||||||||||||||||||
Total | $ | 33,579 | $ | 23 | $ | 30 | |||||||||||||||||||||||
Total | $ | 93,975 | $ | 285 | $ | 381 | |||||||||||||||||||||||
The following tables present loans individually evaluated for impairment by class of loans as of December 31, 2012: | |||||||||||||||||||||||||||||
Impaired Loans | |||||||||||||||||||||||||||||
(Dollars in thousands) | |||||||||||||||||||||||||||||
Unpaid | Recorded | Allowance | |||||||||||||||||||||||||||
Principal | Investment | for Loan | |||||||||||||||||||||||||||
Balance | Losses | ||||||||||||||||||||||||||||
Allocated | |||||||||||||||||||||||||||||
With no specific allowance recorded | |||||||||||||||||||||||||||||
Permanent real estate | |||||||||||||||||||||||||||||
One-to four-family residential | $ | 18,672 | $ | 16,947 | $ | — | |||||||||||||||||||||||
Multifamily residential | 1,173 | 1,078 | — | ||||||||||||||||||||||||||
Nonresidential | 13,240 | 12,638 | — | ||||||||||||||||||||||||||
Land | 4,577 | 3,804 | — | ||||||||||||||||||||||||||
Total | 37,662 | 34,467 | — | ||||||||||||||||||||||||||
Construction loans | |||||||||||||||||||||||||||||
One-to four-family residential | 17,912 | 3,580 | — | ||||||||||||||||||||||||||
Multifamily and nonresidential | 571 | — | — | ||||||||||||||||||||||||||
Total | 18,483 | 3,580 | — | ||||||||||||||||||||||||||
Consumer loans | |||||||||||||||||||||||||||||
Home Equity | 8,867 | 7,958 | — | ||||||||||||||||||||||||||
Auto | 68 | 44 | — | ||||||||||||||||||||||||||
Marine | 190 | 190 | — | ||||||||||||||||||||||||||
Recreational vehicle | 887 | 592 | — | ||||||||||||||||||||||||||
Other | — | — | — | ||||||||||||||||||||||||||
Total | 10,012 | 8,784 | — | ||||||||||||||||||||||||||
Commercial loans | |||||||||||||||||||||||||||||
Secured | 2,122 | 1,212 | — | ||||||||||||||||||||||||||
Unsecured | 2,861 | 38 | — | ||||||||||||||||||||||||||
Total | 4,983 | 1,250 | — | ||||||||||||||||||||||||||
Total | $ | 71,140 | $ | 48,081 | $ | — | |||||||||||||||||||||||
With a specific allowance recorded | |||||||||||||||||||||||||||||
Permanent real estate | |||||||||||||||||||||||||||||
One-to four-family residential | $ | 735 | $ | 735 | $ | 260 | |||||||||||||||||||||||
Multifamily residential | 996 | 981 | 57 | ||||||||||||||||||||||||||
Nonresidential | 5,218 | 4,703 | 1,336 | ||||||||||||||||||||||||||
Land | 3,913 | 2,127 | 727 | ||||||||||||||||||||||||||
Total | 10,862 | 8,546 | 2,380 | ||||||||||||||||||||||||||
Construction loans | |||||||||||||||||||||||||||||
One-to four-family residential | 6,455 | 3,967 | 478 | ||||||||||||||||||||||||||
Multifamily and nonresidential | — | — | — | ||||||||||||||||||||||||||
Total | 6,455 | 3,967 | 478 | ||||||||||||||||||||||||||
Consumer loans | |||||||||||||||||||||||||||||
Home Equity | — | — | — | ||||||||||||||||||||||||||
Auto | — | — | — | ||||||||||||||||||||||||||
Marine | — | — | — | ||||||||||||||||||||||||||
Recreational vehicle | — | — | — | ||||||||||||||||||||||||||
Other | — | — | — | ||||||||||||||||||||||||||
Total | — | — | — | ||||||||||||||||||||||||||
Commercial loans | |||||||||||||||||||||||||||||
Secured | 798 | 423 | 166 | ||||||||||||||||||||||||||
Unsecured | — | — | — | ||||||||||||||||||||||||||
Total | 798 | 423 | 166 | ||||||||||||||||||||||||||
Total | 18,115 | 12,936 | 3,024 | ||||||||||||||||||||||||||
Total | $ | 89,255 | $ | 61,017 | $ | 3,024 | |||||||||||||||||||||||
The following table presents the recorded investment in nonaccrual and loans past due over 90 days and still on accrual by class of loans as of September 30, 2013: | |||||||||||||||||||||||||||||
Nonaccrual Loans and Loans Past Due Over 90 Days and Still Accruing | |||||||||||||||||||||||||||||
As of September 30, 2013 | |||||||||||||||||||||||||||||
(Dollars in thousands) | |||||||||||||||||||||||||||||
Nonaccrual | Loans past due | ||||||||||||||||||||||||||||
over 90 days | |||||||||||||||||||||||||||||
and still | |||||||||||||||||||||||||||||
accruing | |||||||||||||||||||||||||||||
Real Estate Loans | |||||||||||||||||||||||||||||
Permanent | |||||||||||||||||||||||||||||
One-to four-family residential | $ | 6,127 | $ | — | |||||||||||||||||||||||||
Multifamily residential | 705 | — | |||||||||||||||||||||||||||
Nonresidential | 5,839 | 3,125 | |||||||||||||||||||||||||||
Land | 628 | — | |||||||||||||||||||||||||||
Total | 13,299 | 3,125 | |||||||||||||||||||||||||||
Construction Loans | |||||||||||||||||||||||||||||
One-to four-family residential | 3,320 | — | |||||||||||||||||||||||||||
Multifamily and nonresidential | — | — | |||||||||||||||||||||||||||
Total | 3,320 | — | |||||||||||||||||||||||||||
Consumer Loans | |||||||||||||||||||||||||||||
Home Equity | 3,134 | — | |||||||||||||||||||||||||||
Auto | 100 | — | |||||||||||||||||||||||||||
Marine | 140 | — | |||||||||||||||||||||||||||
Recreational vehicle | 184 | — | |||||||||||||||||||||||||||
Other | 5 | — | |||||||||||||||||||||||||||
Total | 3,563 | — | |||||||||||||||||||||||||||
Commercial Loans | |||||||||||||||||||||||||||||
Secured | 4,036 | — | |||||||||||||||||||||||||||
Unsecured | 141 | — | |||||||||||||||||||||||||||
Total | 4,177 | — | |||||||||||||||||||||||||||
Total | $ | 24,359 | $ | 3,125 | |||||||||||||||||||||||||
The following table presents the recorded investment in nonaccrual and loans past due over 90 days and still on accrual by class of loans as of December 31, 2012: | |||||||||||||||||||||||||||||
Nonaccrual Loans and Loans Past Due Over 90 Days and Still Accruing | |||||||||||||||||||||||||||||
As of December 31, 2012 | |||||||||||||||||||||||||||||
(Dollars in thousands) | |||||||||||||||||||||||||||||
Nonaccrual | Loans past due | ||||||||||||||||||||||||||||
over 90 days | |||||||||||||||||||||||||||||
and still | |||||||||||||||||||||||||||||
accruing | |||||||||||||||||||||||||||||
Real Estate Loans | |||||||||||||||||||||||||||||
Permanent | |||||||||||||||||||||||||||||
One-to four-family residential | $ | 5,437 | $ | — | |||||||||||||||||||||||||
Multifamily residential | 2,027 | — | |||||||||||||||||||||||||||
Nonresidential | 17,065 | 3,678 | |||||||||||||||||||||||||||
Land | 6,047 | — | |||||||||||||||||||||||||||
Total | 30,576 | 3,678 | |||||||||||||||||||||||||||
Construction Loans | |||||||||||||||||||||||||||||
One-to four-family residential | 7,466 | — | |||||||||||||||||||||||||||
Multifamily and nonresidential | — | — | |||||||||||||||||||||||||||
Total | 7,466 | — | |||||||||||||||||||||||||||
Consumer Loans | |||||||||||||||||||||||||||||
Home Equity | 3,298 | — | |||||||||||||||||||||||||||
Auto | 105 | — | |||||||||||||||||||||||||||
Marine | 176 | — | |||||||||||||||||||||||||||
Recreational vehicle | 1,259 | — | |||||||||||||||||||||||||||
Other | 4 | — | |||||||||||||||||||||||||||
Total | 4,842 | — | |||||||||||||||||||||||||||
Commercial Loans | |||||||||||||||||||||||||||||
Secured | 1,194 | — | |||||||||||||||||||||||||||
Unsecured | 31 | — | |||||||||||||||||||||||||||
Total | 1,225 | — | |||||||||||||||||||||||||||
Total | $ | 44,109 | $ | 3,678 | |||||||||||||||||||||||||
The following table presents an age analysis of past-due loans, segregated by class of loans as of September 30, 2013: | |||||||||||||||||||||||||||||
Past Due Loans | |||||||||||||||||||||||||||||
(Dollars in thousands) | |||||||||||||||||||||||||||||
30-59 | 60-89 | Greater | Total Past | Current | Total Loans | ||||||||||||||||||||||||
Days Past | Days Past | than 90 | Due | Loans | |||||||||||||||||||||||||
Due | Due | Days Past | |||||||||||||||||||||||||||
Due | |||||||||||||||||||||||||||||
Real Estate Loans | |||||||||||||||||||||||||||||
Permanent | |||||||||||||||||||||||||||||
One-to four-family residential | $ | 1,292 | $ | 405 | $ | 4,471 | $ | 6,168 | $ | 569,623 | $ | 575,791 | |||||||||||||||||
Multifamily residential | 112 | — | 240 | 352 | 55,344 | 55,696 | |||||||||||||||||||||||
Nonresidential | 133 | 18 | 8,826 | 8,977 | 118,722 | 127,699 | |||||||||||||||||||||||
Land | — | 44 | 627 | 671 | 8,875 | 9,546 | |||||||||||||||||||||||
Total | 1,537 | 467 | 14,164 | 16,168 | 752,564 | 768,732 | |||||||||||||||||||||||
Construction Loans | |||||||||||||||||||||||||||||
One-to four-family residential | — | 49 | 3,320 | 3,369 | 30,411 | 33,780 | |||||||||||||||||||||||
Multifamily and nonresidential | — | — | — | — | 5,152 | 5,152 | |||||||||||||||||||||||
Total | — | 49 | 3,320 | 3,369 | 35,563 | 38,932 | |||||||||||||||||||||||
Consumer Loans | |||||||||||||||||||||||||||||
Home Equity | 517 | 427 | 2,587 | 3,531 | 160,335 | 163,866 | |||||||||||||||||||||||
Auto | 16 | — | 53 | 69 | 5,874 | 5,943 | |||||||||||||||||||||||
Marine | — | 41 | — | 41 | 4,391 | 4,432 | |||||||||||||||||||||||
Recreational vehicle | 342 | 129 | 76 | 547 | 17,392 | 17,939 | |||||||||||||||||||||||
Other | 22 | 1 | 2 | 25 | 2,178 | 2,203 | |||||||||||||||||||||||
Total | 897 | 598 | 2,718 | 4,213 | 190,170 | 194,383 | |||||||||||||||||||||||
Commercial Loans | |||||||||||||||||||||||||||||
Secured | — | — | 4,016 | 4,016 | 22,097 | 26,113 | |||||||||||||||||||||||
Unsecured | — | — | 141 | 141 | 634 | 775 | |||||||||||||||||||||||
Total | — | — | 4,157 | 4,157 | 22,731 | 26,888 | |||||||||||||||||||||||
Total | $ | 2,434 | $ | 1,114 | $ | 24,359 | $ | 27,907 | $ | 1,001,028 | $ | 1,028,935 | |||||||||||||||||
The following table presents an age analysis of past-due loans, segregated by class of loans as of December 31, 2012: | |||||||||||||||||||||||||||||
Past Due Loans | |||||||||||||||||||||||||||||
(Dollars in thousands) | |||||||||||||||||||||||||||||
30-59 | 60-89 | Greater | Total Past | Current | Total Loans | ||||||||||||||||||||||||
Days | Days | than 90 | Due | Loans | |||||||||||||||||||||||||
Past Due | Past Due | Days Past | |||||||||||||||||||||||||||
Due | |||||||||||||||||||||||||||||
Real Estate Loans | |||||||||||||||||||||||||||||
Permanent | |||||||||||||||||||||||||||||
One-to four-family residential | $ | 1,995 | $ | 784 | $ | 4,495 | $ | 7,274 | $ | 569,975 | $ | 577,249 | |||||||||||||||||
Multifamily residential | 158 | — | 1,630 | 1,788 | 79,135 | 80,923 | |||||||||||||||||||||||
Nonresidential | — | 176 | 19,942 | 20,118 | 118,070 | 138,188 | |||||||||||||||||||||||
Land | 83 | — | 6,044 | 6,127 | 9,681 | 15,808 | |||||||||||||||||||||||
Total | 2,236 | 960 | 32,111 | 35,307 | 776,861 | 812,168 | |||||||||||||||||||||||
Construction Loans | |||||||||||||||||||||||||||||
One-to four-family residential | 54 | — | 7,398 | 7,452 | 20,866 | 28,318 | |||||||||||||||||||||||
Multifamily and nonresidential | — | — | — | — | 4,534 | 4,534 | |||||||||||||||||||||||
Total | 54 | — | 7,398 | 7,452 | 25,400 | 32,852 | |||||||||||||||||||||||
Consumer Loans | |||||||||||||||||||||||||||||
Home Equity | 1,135 | 475 | 2,071 | 3,681 | 173,549 | 177,230 | |||||||||||||||||||||||
Auto | 35 | 7 | 83 | 125 | 7,523 | 7,648 | |||||||||||||||||||||||
Marine | — | — | 8 | 8 | 4,934 | 4,942 | |||||||||||||||||||||||
Recreational vehicle | 447 | 32 | 353 | 832 | 21,418 | 22,250 | |||||||||||||||||||||||
Other | — | 1 | 3 | 4 | 2,519 | 2,523 | |||||||||||||||||||||||
Total | 1,617 | 515 | 2,518 | 4,650 | 209,943 | 214,593 | |||||||||||||||||||||||
Commercial Loans | |||||||||||||||||||||||||||||
Secured | 16 | — | 23 | 39 | 24,204 | 24,243 | |||||||||||||||||||||||
Unsecured | — | 728 | 6 | 734 | 1,566 | 2,300 | |||||||||||||||||||||||
Total | 16 | 728 | 29 | 773 | 25,770 | 26,543 | |||||||||||||||||||||||
Total | $ | 3,923 | $ | 2,203 | $ | 42,056 | $ | 48,182 | $ | 1,037,974 | $ | 1,086,156 | |||||||||||||||||
The following table presents loans by class modified as troubled debt restructurings that occurred during the three months ended September 30, 2013: | |||||||||||||||||||||||||||||
Number | Pre- | Post- | |||||||||||||||||||||||||||
of loans | Modification | Modification | |||||||||||||||||||||||||||
Outstanding | Recorded | ||||||||||||||||||||||||||||
Recorded | Investment | ||||||||||||||||||||||||||||
Investment | |||||||||||||||||||||||||||||
(Dollars in thousands) | |||||||||||||||||||||||||||||
Real Estate Loans | |||||||||||||||||||||||||||||
Permanent | |||||||||||||||||||||||||||||
One-to four-family | 14 | $ | 1,316 | $ | 1,363 | ||||||||||||||||||||||||
Multifamily residential | — | — | — | ||||||||||||||||||||||||||
Nonresidential | — | — | — | ||||||||||||||||||||||||||
Land | — | — | — | ||||||||||||||||||||||||||
Total | 14 | 1,316 | 1,363 | ||||||||||||||||||||||||||
Construction Loans | |||||||||||||||||||||||||||||
One-to four-family residential | — | — | — | ||||||||||||||||||||||||||
Multifamily and nonresidential | — | — | — | ||||||||||||||||||||||||||
Total | — | — | — | ||||||||||||||||||||||||||
Consumer Loans | |||||||||||||||||||||||||||||
Home Equity | 31 | 1,437 | 1,349 | ||||||||||||||||||||||||||
Auto | — | — | — | ||||||||||||||||||||||||||
Marine | — | — | — | ||||||||||||||||||||||||||
Recreational vehicle | — | — | — | ||||||||||||||||||||||||||
Other | — | — | — | ||||||||||||||||||||||||||
Total | 31 | 1,437 | 1,349 | ||||||||||||||||||||||||||
Commercial Loans | |||||||||||||||||||||||||||||
Secured | — | — | — | ||||||||||||||||||||||||||
Unsecured | — | — | — | ||||||||||||||||||||||||||
Total | — | — | — | ||||||||||||||||||||||||||
Total Restructured Loans | 45 | $ | 2,753 | $ | 2,712 | ||||||||||||||||||||||||
The troubled debt restructurings described above increased the allowance for loan losses by $206,000, but did not result in any chargeoffs during the three months ended September 30, 2013. | |||||||||||||||||||||||||||||
The following table presents loans by class modified as troubled debt restructurings that occurred during the nine months ended September 30, 2013: | |||||||||||||||||||||||||||||
Number | Pre-Modification | Post- | |||||||||||||||||||||||||||
of loans | Outstanding | Modification | |||||||||||||||||||||||||||
Recorded | Recorded | ||||||||||||||||||||||||||||
Investment | Investment | ||||||||||||||||||||||||||||
(Dollars in thousands) | |||||||||||||||||||||||||||||
Real Estate Loans | |||||||||||||||||||||||||||||
Permanent | |||||||||||||||||||||||||||||
One-to four-family | 36 | $ | 3,158 | $ | 2,969 | ||||||||||||||||||||||||
Multifamily residential | 1 | 469 | 469 | ||||||||||||||||||||||||||
Nonresidential | 1 | 41 | 41 | ||||||||||||||||||||||||||
Land | 2 | 2,127 | 487 | ||||||||||||||||||||||||||
Total | 40 | 5,795 | 3,966 | ||||||||||||||||||||||||||
Construction Loans | |||||||||||||||||||||||||||||
One-to four-family residential | 1 | 942 | 823 | ||||||||||||||||||||||||||
Multifamily and nonresidential | — | — | — | ||||||||||||||||||||||||||
Total | 1 | 942 | 823 | ||||||||||||||||||||||||||
Consumer Loans | |||||||||||||||||||||||||||||
Home Equity | 94 | 3,963 | 3,886 | ||||||||||||||||||||||||||
Auto | — | — | — | ||||||||||||||||||||||||||
Marine | — | — | — | ||||||||||||||||||||||||||
Recreational vehicle | 4 | 791 | 804 | ||||||||||||||||||||||||||
Other | — | — | — | ||||||||||||||||||||||||||
Total | 98 | 4,754 | 4,690 | ||||||||||||||||||||||||||
Commercial Loans | |||||||||||||||||||||||||||||
Secured | — | — | — | ||||||||||||||||||||||||||
Unsecured | — | — | — | ||||||||||||||||||||||||||
Total | — | — | — | ||||||||||||||||||||||||||
Total Restructured Loans | 139 | $ | 11,491 | $ | 9,479 | ||||||||||||||||||||||||
The troubled debt restructurings described above increased the allowance for loan losses by $778,000, and increased chargeoffs by $1.8 million during the nine months ended September 30, 2013. | |||||||||||||||||||||||||||||
The following table presents loans by class modified as troubled debt restructurings that occurred during the three months ended September 30, 2012: | |||||||||||||||||||||||||||||
Number | Pre-Modification | Post- | |||||||||||||||||||||||||||
of loans | Outstanding | Modification | |||||||||||||||||||||||||||
Recorded | Recorded | ||||||||||||||||||||||||||||
Investment | Investment | ||||||||||||||||||||||||||||
Real Estate Loans | |||||||||||||||||||||||||||||
Permanent | |||||||||||||||||||||||||||||
One-to four-family | 17 | $ | 537 | $ | 537 | ||||||||||||||||||||||||
Multifamily residential | — | — | — | ||||||||||||||||||||||||||
Nonresidential | — | — | — | ||||||||||||||||||||||||||
Land | — | — | — | ||||||||||||||||||||||||||
Total | 17 | 537 | 537 | ||||||||||||||||||||||||||
Construction Loans | |||||||||||||||||||||||||||||
One-to four-family residential | — | — | — | ||||||||||||||||||||||||||
Multifamily and nonresidential | — | — | — | ||||||||||||||||||||||||||
Total | — | — | — | ||||||||||||||||||||||||||
Consumer Loans | |||||||||||||||||||||||||||||
Home Equity | 19 | 2,711 | 2,792 | ||||||||||||||||||||||||||
Auto | — | — | — | ||||||||||||||||||||||||||
Marine | — | — | — | ||||||||||||||||||||||||||
Recreational vehicle | — | — | — | ||||||||||||||||||||||||||
Other | — | — | — | ||||||||||||||||||||||||||
Total | 19 | 2,711 | 2,792 | ||||||||||||||||||||||||||
Commercial Loans | |||||||||||||||||||||||||||||
Secured | — | — | — | ||||||||||||||||||||||||||
Unsecured | — | — | — | ||||||||||||||||||||||||||
Total | — | — | — | ||||||||||||||||||||||||||
Total Restructured Loans | 36 | $ | 3,248 | $ | 3,329 | ||||||||||||||||||||||||
The troubled debt restructurings described above increased the allowance for loan losses by $367,000, but did not result in any chargeoffs during the three months ended September 30, 2012. | |||||||||||||||||||||||||||||
The following table presents loans by class modified as troubled debt restructurings that occurred during the nine months ended September 30, 2012: | |||||||||||||||||||||||||||||
Number | Pre-Modification | Post- | |||||||||||||||||||||||||||
of loans | Outstanding | Modification | |||||||||||||||||||||||||||
Recorded | Recorded | ||||||||||||||||||||||||||||
Investment | Investment | ||||||||||||||||||||||||||||
Real Estate Loans | |||||||||||||||||||||||||||||
Permanent | |||||||||||||||||||||||||||||
One-to four-family | 38 | $ | 2,843 | $ | 2,801 | ||||||||||||||||||||||||
Multifamily residential | 6 | 1,439 | 1,438 | ||||||||||||||||||||||||||
Nonresidential | 1 | 424 | 424 | ||||||||||||||||||||||||||
Land | — | — | — | ||||||||||||||||||||||||||
Total | 45 | 4,706 | 4,663 | ||||||||||||||||||||||||||
Construction Loans | |||||||||||||||||||||||||||||
One-to four-family residential | 3 | 853 | 830 | ||||||||||||||||||||||||||
Multifamily and nonresidential | — | — | — | ||||||||||||||||||||||||||
Total | 3 | 853 | 830 | ||||||||||||||||||||||||||
Consumer Loans | |||||||||||||||||||||||||||||
Home Equity | 61 | 4,494 | 4,544 | ||||||||||||||||||||||||||
Auto | — | — | — | ||||||||||||||||||||||||||
Marine | — | — | — | ||||||||||||||||||||||||||
Recreational vehicle | — | — | — | ||||||||||||||||||||||||||
Other | — | — | — | ||||||||||||||||||||||||||
Total | 61 | 4,494 | 4,544 | ||||||||||||||||||||||||||
Commercial Loans | |||||||||||||||||||||||||||||
Secured | — | — | — | ||||||||||||||||||||||||||
Unsecured | 1 | 446 | 446 | ||||||||||||||||||||||||||
Total | 1 | 446 | 446 | ||||||||||||||||||||||||||
Total Restructured Loans | 110 | $ | 10,499 | $ | 10,483 | ||||||||||||||||||||||||
The troubled debt restructurings described above increased the allowance for loan losses by $367,000, but did not result in any chargeoffs during the nine months ended September 30, 2012. | |||||||||||||||||||||||||||||
The following table presents loans by class modified as troubled debt restructurings for which there was a payment default within a twelve months cycle following the modification as of September 30, 2013: | |||||||||||||||||||||||||||||
Number | Recorded | ||||||||||||||||||||||||||||
of loans | Investment | ||||||||||||||||||||||||||||
(Dollars in thousands) | |||||||||||||||||||||||||||||
Real Estate Loans | |||||||||||||||||||||||||||||
Permanent | |||||||||||||||||||||||||||||
One-to four-family | 8 | $ | 861 | ||||||||||||||||||||||||||
Multifamily residential | 1 | 467 | |||||||||||||||||||||||||||
Nonresidential | — | — | |||||||||||||||||||||||||||
Land | 2 | 487 | |||||||||||||||||||||||||||
Total | 11 | 1,815 | |||||||||||||||||||||||||||
Construction Loans | |||||||||||||||||||||||||||||
One-to four-family residential | 1 | 823 | |||||||||||||||||||||||||||
Multifamily and nonresidential | — | — | |||||||||||||||||||||||||||
Total | 1 | 823 | |||||||||||||||||||||||||||
Consumer Loans | |||||||||||||||||||||||||||||
Home Equity | 8 | 250 | |||||||||||||||||||||||||||
Auto | — | — | |||||||||||||||||||||||||||
Marine | — | — | |||||||||||||||||||||||||||
Recreational vehicle | 2 | 187 | |||||||||||||||||||||||||||
Other | — | — | |||||||||||||||||||||||||||
Total | 10 | 437 | |||||||||||||||||||||||||||
Commercial Loans | |||||||||||||||||||||||||||||
Secured | — | — | |||||||||||||||||||||||||||
Unsecured | — | — | |||||||||||||||||||||||||||
Total | — | — | |||||||||||||||||||||||||||
Total Restructured Loans | 22 | $ | 3,075 | ||||||||||||||||||||||||||
The following table presents loans by class modified as troubled debt restructurings for which there was a payment default within a twelve months cycle following the modification as of December 31, 2012: | |||||||||||||||||||||||||||||
Number | Recorded | ||||||||||||||||||||||||||||
of loans | Investment | ||||||||||||||||||||||||||||
(Dollars in thousands) | |||||||||||||||||||||||||||||
Real Estate Loans | |||||||||||||||||||||||||||||
Permanent | |||||||||||||||||||||||||||||
One-to four-family | 9 | $ | 851 | ||||||||||||||||||||||||||
Multifamily residential | — | — | |||||||||||||||||||||||||||
Nonresidential | — | — | |||||||||||||||||||||||||||
Land | — | — | |||||||||||||||||||||||||||
Total | 9 | 851 | |||||||||||||||||||||||||||
Construction Loans | |||||||||||||||||||||||||||||
One-to four-family residential | — | — | |||||||||||||||||||||||||||
Multifamily and nonresidential | — | — | |||||||||||||||||||||||||||
Total | — | — | |||||||||||||||||||||||||||
Consumer Loans | |||||||||||||||||||||||||||||
Home Equity | 2 | 77 | |||||||||||||||||||||||||||
Auto | — | — | |||||||||||||||||||||||||||
Marine | — | — | |||||||||||||||||||||||||||
Recreational vehicle | — | — | |||||||||||||||||||||||||||
Other | — | — | |||||||||||||||||||||||||||
Total | 2 | 77 | |||||||||||||||||||||||||||
Commercial Loans | |||||||||||||||||||||||||||||
Secured | — | — | |||||||||||||||||||||||||||
Unsecured | — | — | |||||||||||||||||||||||||||
Total | — | — | |||||||||||||||||||||||||||
Total Restructured Loans | 11 | $ | 928 | ||||||||||||||||||||||||||
A troubled debt restructuring is considered to be in payment default once it is 30 days contractually past due under the modified terms. | |||||||||||||||||||||||||||||
Troubled debt restructurings increased during the nine month period ended September 30, 2013 due primarily to extensive efforts taken by the Company to refinance home equity lines of credit. | |||||||||||||||||||||||||||||
The troubled debt restructurings that subsequently defaulted described above resulted in no chargeoffs during the twelve months ended December 31, 2012, and had no effect on the provision for loan losses. | |||||||||||||||||||||||||||||
The terms of certain other loans were modified during the period ended September 30, 2013, but they did not meet the definition of a troubled debt restructuring. These loans have a total recorded investment as of September 30, 2013 of $15.9 million. The modification of these loans involved either a modification of the terms of a loan to borrowers who were not experiencing financial difficulties or a delay in a payment that was not considered to be significant. | |||||||||||||||||||||||||||||
In order to determine whether a borrower is experiencing financial difficulty an evaluation is performed of the probability that the borrower will be in payment default on any of its debt in the foreseeable future without the modification. This evaluation is performed in accordance with the Company’s internal underwriting policy. | |||||||||||||||||||||||||||||
Credit Quality Indicators: | |||||||||||||||||||||||||||||
The Company categorizes loans into risk categories based on relevant information about the ability of borrowers to service their debt such as: current financial information, historical payment experience, credit documentation, public information and current economic trends among other factors. The Company analyzes loans individually by classifying the loans as to credit risk. This analysis includes homogeneous loans past due 90 cumulative days, and all non-homogeneous loans including commercial loans and commercial real estate loans. Smaller balance homogeneous loans are primarily monitored by payment status. | |||||||||||||||||||||||||||||
Asset quality ratings are divided into two groups: Pass (unclassified) and Classified. Within the unclassified group, loans that display potential weakness are risk rated as special mention. In addition, there are three classified risk ratings: substandard, doubtful and loss. These specific credit risk categories are defined as follows: | |||||||||||||||||||||||||||||
Special Mention. Loans classified as special mention have potential weakness that deserves management’s close attention. If left uncorrected, these potential weaknesses may result in deterioration of the repayment prospects for the loan or of the institution’s credit position at some future date. Loans may be housed in this category for no longer than 12 months during which time information is obtained to determine if the credit should be downgraded to the substandard category. | |||||||||||||||||||||||||||||
Substandard. Loans classified as substandard are inadequately protected by the current net worth and paying capacity of the obligor or of the collateral pledged, if any. Loans so classified have a well-defined weakness or weaknesses that jeopardize the liquidation of the debt. They are characterized by the distinct possibility that the institution will sustain some loss if the deficiencies are not corrected. | |||||||||||||||||||||||||||||
Doubtful. Loans classified as doubtful have all the weaknesses inherent in those classified as substandard, with the added characteristic that the weaknesses make collection or liquidation in full, on the basis of currently existing facts, conditions and values, highly questionable and improbable. | |||||||||||||||||||||||||||||
Loss. Loans classified as loss are considered uncollectible and of such little value, that continuance as assets is not warranted. Although there may be a chance of recovery on these assets, it is not practical or desirable to defer writing off the asset. | |||||||||||||||||||||||||||||
The Company monitors loans on a monthly basis to determine if they should be included in one of the categories listed above. All impaired non-homogeneous credits classified as Substandard, Doubtful or Loss are analyzed on an individual basis for a specific reserve requirement. This analysis is performed on each individual credit at least annually or more frequently if warranted. | |||||||||||||||||||||||||||||
As of September 30, 2013 and December 31, 2012, and based on the most recent analysis performed, the risk category of loans by class of loans is as follows: | |||||||||||||||||||||||||||||
Loans | |||||||||||||||||||||||||||||
September 30, 2013 | |||||||||||||||||||||||||||||
(Dollars in thousands) | |||||||||||||||||||||||||||||
Unclassified | Classified | ||||||||||||||||||||||||||||
Unclassified | Special | Substandard | Doubtful | Loss | Total | Total Loans | |||||||||||||||||||||||
Mention | Classified | ||||||||||||||||||||||||||||
Real Estate Loans | |||||||||||||||||||||||||||||
Permanent | |||||||||||||||||||||||||||||
One-to four-family residential | $ | 566,765 | $ | 1,166 | $ | 7,860 | $ | — | $ | — | $ | 7,860 | $ | 575,791 | |||||||||||||||
Multifamily residential | 49,860 | 2,989 | 2,847 | — | — | 2,847 | 55,696 | ||||||||||||||||||||||
Nonresidential | 86,074 | 11,302 | 30,323 | — | — | 30,323 | 127,699 | ||||||||||||||||||||||
Land | 8,905 | 154 | 487 | — | — | 487 | 9,546 | ||||||||||||||||||||||
Total | 711,604 | 15,611 | 41,517 | — | — | 41,517 | 768,732 | ||||||||||||||||||||||
Construction Loans | |||||||||||||||||||||||||||||
One-to four-family residential | 30,310 | 137 | 3,333 | — | — | 3,333 | 33,780 | ||||||||||||||||||||||
Multifamily and nonresidential | 5,152 | — | — | — | — | — | 5,152 | ||||||||||||||||||||||
Total | 35,462 | 137 | 3,333 | — | — | 3,333 | 38,932 | ||||||||||||||||||||||
Consumer Loans | |||||||||||||||||||||||||||||
Home Equity | 160,501 | — | 3,365 | — | — | 3,365 | 163,866 | ||||||||||||||||||||||
Auto | 5,792 | 46 | 105 | — | — | 105 | 5,943 | ||||||||||||||||||||||
Marine | 4,265 | 5 | 162 | — | — | 162 | 4,432 | ||||||||||||||||||||||
Recreational vehicle | 17,741 | — | 198 | — | — | 198 | 17,939 | ||||||||||||||||||||||
Other | 2,198 | — | 5 | — | — | 5 | 2,203 | ||||||||||||||||||||||
Total | 190,497 | 51 | 3,835 | — | — | 3,835 | 194,383 | ||||||||||||||||||||||
Commercial Loans | |||||||||||||||||||||||||||||
Secured | 19,682 | 194 | 6,237 | — | — | 6,237 | 26,113 | ||||||||||||||||||||||
Unsecured | 294 | 41 | 440 | — | — | 440 | 775 | ||||||||||||||||||||||
Total | 19,976 | 235 | 6,677 | — | — | 6,677 | 26,888 | ||||||||||||||||||||||
Total | $ | 957,539 | $ | 16,034 | $ | 55,362 | $ | — | $ | — | $ | 55,362 | $ | 1,028,935 | |||||||||||||||
Loans | |||||||||||||||||||||||||||||
December 31, 2012 | |||||||||||||||||||||||||||||
(Dollars in thousands) | |||||||||||||||||||||||||||||
Unclassified | Classified | ||||||||||||||||||||||||||||
Unclassified | Special | Substandard | Doubtful | Loss | Total | Total Loans | |||||||||||||||||||||||
Mention | Classified | ||||||||||||||||||||||||||||
Real Estate Loans | |||||||||||||||||||||||||||||
Permanent | |||||||||||||||||||||||||||||
One-to four-family residential | $ | 569,204 | $ | 459 | $ | 7,586 | $ | — | $ | — | $ | 7,586 | $ | 577,249 | |||||||||||||||
Multifamily | |||||||||||||||||||||||||||||
Residential | 69,060 | 8,409 | 3,454 | — | — | 3,454 | 80,923 | ||||||||||||||||||||||
Nonresidential | 99,275 | 12,234 | 26,679 | — | — | 26,679 | 138,188 | ||||||||||||||||||||||
Land | 9,596 | 280 | 5,932 | — | — | 5,932 | 15,808 | ||||||||||||||||||||||
Total | 747,135 | 21,382 | 43,651 | — | — | 43,651 | 812,168 | ||||||||||||||||||||||
Construction Loans | |||||||||||||||||||||||||||||
One-to four-family Residential | 20,577 | 196 | 7,545 | — | — | 7,545 | 28,318 | ||||||||||||||||||||||
Multifamily and Nonresidential | 4,534 | — | — | — | — | — | 4,534 | ||||||||||||||||||||||
Total | 25,111 | 196 | 7,545 | — | — | 7,545 | 32,852 | ||||||||||||||||||||||
Consumer Loans | |||||||||||||||||||||||||||||
Home Equity | 173,696 | — | 3,534 | — | — | 3,534 | 177,230 | ||||||||||||||||||||||
Auto | 7,453 | 82 | 113 | — | — | 113 | 7,648 | ||||||||||||||||||||||
Marine | 4,745 | 7 | 190 | — | — | 190 | 4,942 | ||||||||||||||||||||||
Recreational vehicle | 20,859 | — | 1,391 | — | — | 1,391 | 22,250 | ||||||||||||||||||||||
Other | 2,507 | — | 16 | — | — | 16 | 2,523 | ||||||||||||||||||||||
Total | 209,260 | 89 | 5,244 | — | — | 5,244 | 214,593 | ||||||||||||||||||||||
Commercial Loans | |||||||||||||||||||||||||||||
Secured | 20,843 | 769 | 2,631 | — | — | 2,631 | 24,243 | ||||||||||||||||||||||
Unsecured | 1,481 | 11 | 808 | — | — | 808 | 2,300 | ||||||||||||||||||||||
Total | 22,324 | 780 | 3,439 | — | — | 3,439 | 26,543 | ||||||||||||||||||||||
Total | $ | 1,003,830 | $ | 22,447 | $ | 59,879 | $ | — | $ | — | $ | 59,879 | $ | 1,086,156 | |||||||||||||||
Mortgage_Banking_Activities
Mortgage Banking Activities | 9 Months Ended | ||||||||
Sep. 30, 2013 | |||||||||
Text Block [Abstract] | ' | ||||||||
Mortgage Banking Activities | ' | ||||||||
7 | MORTGAGE BANKING ACTIVITIES | ||||||||
Mortgage loans serviced for others, which are not reported in United Community’s assets, totaled $1.1 billion as of September 30, 2013 and December 31, 2012. Mortgage banking income is comprised of gains recognized on the sale of loans and changes in fair value of mortgage banking derivatives. | |||||||||
Mortgage loans serviced for others are not reported as assets. The principal balances of these loans are as follows: | |||||||||
September 30, 2013 | December 31, 2012 | ||||||||
Mortgage loan portfolios serviced for: | |||||||||
FHLMC | $ | 830,295 | $ | 817,108 | |||||
FNMA | 291,015 | 316,142 | |||||||
Escrow balances are maintained at the Federal Home Loan Bank in connection with serviced loans totaling $1.1 million and $1.7 million at September 30, 2013 and December 31, 2012, respectively. | |||||||||
Activity for capitalized mortgage servicing rights, included in other assets, was as follows: | |||||||||
Nine Months Ended | Nine Months Ended | ||||||||
September 30, 2013 | September 30, 2012 | ||||||||
(Dollars in thousands) | |||||||||
Balance, beginning of year | $ | 5,506 | $ | 6,375 | |||||
Originations | 2,228 | 1,738 | |||||||
Amortized to expense | (1,712 | ) | (1,923 | ) | |||||
Balance, end of period | 6,022 | 6,190 | |||||||
Less valuation allowance | (4 | ) | (2,016 | ) | |||||
Net balance | $ | 6,018 | $ | 4,174 | |||||
Activity in the valuation allowance for mortgage servicing rights was as follows: | |||||||||
Nine Months Ended | Nine Months Ended | ||||||||
September 30, 2013 | September 30, 2012 | ||||||||
(Dollars in thousands) | |||||||||
Balance, beginning of year | $ | (680 | ) | $ | (1,785 | ) | |||
Impairment charges | — | (1,179 | ) | ||||||
Recoveries | 676 | 948 | |||||||
Balance, end of period | $ | (4 | ) | $ | (2,016 | ) | |||
The fair value of mortgage servicing rights as of September 30, 2013, was approximately $9.9 million and at December 31, 2012, the fair value was approximately $6.8 million. | |||||||||
Key economic assumptions in measuring the value of mortgage servicing rights at September 30, 2013, and December 31, 2012, were as follows: | |||||||||
September 30, 2013 | December 31, 2012 | ||||||||
Weighted average prepayment rate | 232 PSA | 401 PSA | |||||||
Weighted average life (in years) | 3.99 | 3.93 | |||||||
Weighted average discount rate | 8 | % | 8 | % |
Other_Real_Estate_Owned_and_Ot
Other Real Estate Owned and Other Repossessed Assets | 9 Months Ended | ||||||||
Sep. 30, 2013 | |||||||||
Text Block [Abstract] | ' | ||||||||
Other Real Estate Owned and Other Repossessed Assets | ' | ||||||||
8 | OTHER REAL ESTATE OWNED AND OTHER REPOSSESSED ASSETS | ||||||||
Real estate owned and other repossessed assets at September 30, 2013 and December 31, 2012 were as follows: | |||||||||
September 30, | December 31, | ||||||||
2013 | 2012 | ||||||||
(Dollars in thousands) | |||||||||
Real estate owned and other repossessed assets | $ | 15,989 | $ | 25,236 | |||||
Valuation allowance | (6,674 | ) | (6,796 | ) | |||||
End of period | $ | 9,315 | $ | 18,440 | |||||
Activity in the valuation allowance was as follows: | |||||||||
September 30, | September 30, | ||||||||
2013 | 2012 | ||||||||
(Dollars in thousands) | |||||||||
Beginning of year | $ | 6,796 | $ | 8,764 | |||||
Additions charged to expense | 1,801 | 1,805 | |||||||
Direct write-downs | (1,923 | ) | (3,690 | ) | |||||
End of period | $ | 6,674 | $ | 6,879 | |||||
Expenses related to foreclosed and repossessed assets include: | |||||||||
Three Months Ended | Three Months Ended | ||||||||
September 30, | September 30, | ||||||||
2013 | 2012 | ||||||||
(Dollars in thousands) | |||||||||
Net loss on sales | $ | (69 | ) | $ | 210 | ||||
Net loss on sales from bulk asset transaction | — | 413 | |||||||
Provision for unrealized losses, net | 464 | 1,172 | |||||||
Operating expenses, net of rental income | 354 | 383 | |||||||
Total expenses | $ | 749 | $ | 2,178 | |||||
Nine Months Ended | Nine Months Ended | ||||||||
September 30, | September 30, | ||||||||
2013 | 2012 | ||||||||
(Dollars in thousands) | |||||||||
Net loss on sales | $ | 165 | $ | 1,229 | |||||
Net loss on sales from bulk asset transaction | — | 413 | |||||||
Provision for unrealized losses, net | 1,801 | 1,805 | |||||||
Operating expenses, net of rental income | 1,140 | 1,504 | |||||||
Total expenses | $ | 3,106 | $ | 4,951 | |||||
Other_Postretirement_Benefit_P
Other Postretirement Benefit Plans | 9 Months Ended | ||||||||||||||||
Sep. 30, 2013 | |||||||||||||||||
Compensation And Retirement Disclosure [Abstract] | ' | ||||||||||||||||
Other Postretirement Benefit Plans | ' | ||||||||||||||||
9 | OTHER POSTRETIREMENT BENEFIT PLANS | ||||||||||||||||
Home Savings sponsors a defined benefit health care plan that was curtailed in 2000, but continues to provide postretirement medical benefits for employees who had worked 20 years and attained a minimum age of 60 by September 1, 2000, while in service with Home Savings. The plan is contributory and contains minor cost-sharing features such as deductibles and coinsurance. In addition, postretirement life insurance coverage is provided for employees who were participants prior to December 10, 1976. The life insurance plan is non-contributory. Home Savings’ policy is to pay premiums monthly, with no pre-funding. | |||||||||||||||||
Components of net periodic benefit cost are as follows: | |||||||||||||||||
Three Months Ended | Nine Months Ended | ||||||||||||||||
September 30, | September 30, | ||||||||||||||||
2013 | 2012 | 2013 | 2012 | ||||||||||||||
(Dollars in thousands) | |||||||||||||||||
Service cost | $ | — | $ | — | $ | — | $ | — | |||||||||
Interest cost | 13 | 19 | 39 | 57 | |||||||||||||
Expected return on plan assets | — | — | — | — | |||||||||||||
Net amortization of prior service cost | (19 | ) | (20 | ) | (57 | ) | (59 | ) | |||||||||
Recognized net actuarial gain | (28 | ) | (23 | ) | (84 | ) | (69 | ) | |||||||||
Net periodic benefit cost/(gain) | $ | (34 | ) | $ | (24 | ) | $ | (102 | ) | $ | (71 | ) | |||||
Assumptions used in the valuations were as follows: | |||||||||||||||||
Weighted average discount rate | 3 | % | 4 | % | 3 | % | 4 | % |
Fair_Value_Measurement
Fair Value Measurement | 9 Months Ended | ||||||||||||||||
Sep. 30, 2013 | |||||||||||||||||
Fair Value Disclosures [Abstract] | ' | ||||||||||||||||
Fair Value Measurement | ' | ||||||||||||||||
10 | FAIR VALUE MEASUREMENT | ||||||||||||||||
Fair value is the exchange price that would be received for an asset if paid to transfer a liability (exit price) in the principal or most advantageous market for the asset or liability in an orderly transaction between market participants on the measurement date. There are three levels of inputs that may be used to measure fair value: | |||||||||||||||||
Level 1: Quoted prices (unadjusted) for identical assets or liabilities in active markets that the entity has the ability to access as of the measurement date. | |||||||||||||||||
Level 2: Significant other observable inputs other than Level 1 prices, such as quoted prices for similar assets or liabilities; quoted prices in markets that are not active; or other inputs that are observable or can be corroborated by observable market data. | |||||||||||||||||
Level 3: Significant unobservable inputs that reflect a reporting entity’s own beliefs about the assumptions that market participants would use in pricing an asset or liability. | |||||||||||||||||
United Community uses the following methods and significant assumptions to estimate the fair value of each type of financial instrument: | |||||||||||||||||
Available for sale securities: The fair values of securities available for sale are determined by obtaining quoted prices on nationally recognized securities exchanges (Level 1 inputs). For securities where quoted prices are not available, fair values are calculated based on market prices of similar securities (Level 2). | |||||||||||||||||
Impaired loans: At the time a loan is considered impaired, it is valued at the lower of cost or fair value. Impaired loans carried at fair value generally receive specific allocations of the allowance for loan losses. For collateral dependent loans, fair value is commonly based on recent real estate appraisals. These appraisals may utilize a single valuation approach or a combination of approaches including comparable sales and the income approach. Adjustments are routinely made in the appraisal process by the independent appraisers to adjust for differences between the comparable sales and income data available. Such adjustments are usually significant and typically result in a Level 3 classification of the inputs for determining fair value. Non-real estate collateral may be valued using an appraisal, net book value per the borrower’s financial statements, or aging reports, adjusted or discounted based on management’s historical knowledge, changes in market conditions from the time of the valuation, and management’s expertise and knowledge of the client and client’s business, resulting in a Level 3 fair value classification. Impaired loans are evaluated on a quarterly basis for additional impairment and adjusted accordingly. | |||||||||||||||||
Other real estate owned: Assets acquired through or instead of loan foreclosure are initially recorded at fair value less costs to sell when acquired, establishing a new cost basis. These assets are subsequently accounted for at lower of cost or fair value less estimated costs to sell. Fair value is commonly based on recent real estate appraisals. These appraisals may utilize a single valuation approach or a combination of approaches including comparable sales and the income approach. Adjustments are routinely made in the appraisal process by the independent appraisers to adjust for differences between the comparable sales and income data available. Such adjustments are usually significant and typically result in a Level 3 classification of the inputs for determining fair value. | |||||||||||||||||
Appraisals for both collateral-dependent impaired loans and other real estate owned are performed by certified general appraisers (for commercial properties) or certified residential appraisers (for residential properties) whose qualifications and licenses have been reviewed and verified by the Company. Once received, a member of the Special Assets Department reviews the assumptions and approaches utilized in the appraisal as well as the overall resulting fair value in comparison with the independent data sources such as recent market data or industry-wide statistics. On an annual basis, the Company compares the actual selling price of collateral that has been sold to the most recent appraised value to determine what additional adjustment should be made to the appraisal value to arrive at fair value. | |||||||||||||||||
Mortgage servicing rights: On a quarterly basis, loan servicing rights are evaluated for impairment based upon the fair value of the rights as compared to carrying amount. If the carrying amount of an individual tranche exceeds fair value, impairment is recorded on that tranche so that the servicing asset is carried at fair value. Fair value is determined at a tranche level, based on market prices for comparable mortgage servicing contracts (Level 1), when available, or alternatively based on a valuation model that calculates the present value of estimated future net servicing income. The valuation model utilizes assumptions that market participants would use in estimating future net servicing income and that can be validated against available market data (Level 2). | |||||||||||||||||
Loans held for sale: Loans held for sale are carried at the lower of cost or fair value, which is evaluated on a pool-level basis. The fair value of loans held for sale is determined using quoted prices for similar assets, adjusted for specific attributes of that loan or other observable market data, such as outstanding commitments from third party investors (Level 2). | |||||||||||||||||
Interest rate caps: The Company uses an independent third party that performs a market valuation analysis for interest rate caps. The methodology used consists of a discounted cash flow model, all future floating cash flows are projected and both floating and fixed cash flows are discounted to the valuation date. The yield curve utilized for discounting and projecting is developed externally and compared to available third party market quotes for reasonableness (Level 3). | |||||||||||||||||
Assets and Liabilities Measured on a Recurring Basis: Assets and liabilities measured at fair value on a recurring basis are summarized below: | |||||||||||||||||
Fair Value Measurements at | |||||||||||||||||
September 30, 2013 Using: | |||||||||||||||||
September 30, | Quoted | Significant | Significant | ||||||||||||||
Prices in | Other | Unobservable | |||||||||||||||
Active | Observable | Inputs | |||||||||||||||
Markets for | Inputs | ||||||||||||||||
Identical | |||||||||||||||||
Assets | |||||||||||||||||
2013 | (Level 1) | (Level 2) | (Level 3) | ||||||||||||||
(Dollars in thousands) | |||||||||||||||||
Assets: | |||||||||||||||||
Available for sale securities | |||||||||||||||||
US Treasury and government sponsored entities’ securities | $ | 229,763 | $ | — | $ | 229,763 | $ | — | |||||||||
Equity securities | 396 | 396 | — | — | |||||||||||||
Mortgage-backed GSE securities: residential | 312,652 | — | 312,652 | — | |||||||||||||
Interest rate caps | 594 | — | — | 594 | |||||||||||||
Fair Value Measurements at December 31, 2012 Using: | |||||||||||||||||
December 31, | Quoted | Significant | Significant | ||||||||||||||
2012 | Prices in | Other | Unobservable | ||||||||||||||
Active | Observable | Inputs | |||||||||||||||
Markets for | Inputs | (Level 3) | |||||||||||||||
Identical | (Level 2) | ||||||||||||||||
Assets | |||||||||||||||||
(Level 1) | |||||||||||||||||
(Dollars in thousands) | |||||||||||||||||
Assets: | |||||||||||||||||
Available for sale securities | |||||||||||||||||
US Treasury and government sponsored entities’ securities | $ | 163,692 | $ | — | $ | 163,692 | $ | — | |||||||||
Equity securities | 313 | 313 | — | — | |||||||||||||
Mortgage-backed GSE securities: residential | 410,557 | — | 410,557 | — | |||||||||||||
Interest rate caps | 436 | — | — | 436 | |||||||||||||
There were no transfers between Level 1 and Level 2 during 2013 or 2012. | |||||||||||||||||
The table below presents a reconciliation of all assets measured at fair value on a recurring basis using significant unobservable inputs (Level 3) for the nine months ended September 30, 2013 and 2012: | |||||||||||||||||
Interest Rate Caps | |||||||||||||||||
Nine Months Ended | Nine Months Ended | ||||||||||||||||
September 30, 2013 | September 30, 2012 | ||||||||||||||||
(Dollars in thousands) | |||||||||||||||||
Balance of recurring Level 3 assets at beginning of period | $ | 436 | $ | 1,933 | |||||||||||||
Total gains (losses) for the period | |||||||||||||||||
Included in other income | 547 | (1,077 | ) | ||||||||||||||
Included in other comprehensive income | — | — | |||||||||||||||
Purchases | — | — | |||||||||||||||
Amortization | (389 | ) | (346 | ) | |||||||||||||
Sales | — | — | |||||||||||||||
Balance of recurring Level 3 assets at end of period | $ | 594 | $ | 510 | |||||||||||||
There were no transfers between Level 2 and Level 3 during 2013 or 2012. | |||||||||||||||||
The following table presents quantitative information about recurring Level 3 fair value measurements at September 30, 2013: | |||||||||||||||||
Fair Value | Valuation | Unobservable | Range | ||||||||||||||
Technique(s) | Input(s) | ||||||||||||||||
(Dollars in thousands) | |||||||||||||||||
Interest rate caps | $ | 594 | Discounted cash flow | Discount rate | 0.47%-1.5% | ||||||||||||
The fair value of interest rate caps was determined using proprietary models from third-party sources taking into account such factors as size of the transaction, the lack of a quoted market and the custom-tailored nature of the transaction. The fair value is inclusive of interest accruals, as applicable. | |||||||||||||||||
Assets and Liabilities Measured on a Non-Recurring Basis: Assets and liabilities measured at fair value on a non-recurring basis are summarized below: | |||||||||||||||||
Fair Value Measurements at September 30, 2013 Using: | |||||||||||||||||
September 30, | Quoted Prices in | Significant | Significant | ||||||||||||||
2013 | Active Markets for | Other | Unobservable | ||||||||||||||
Identical Assets | Observable | Inputs | |||||||||||||||
(Level 1) | Inputs | (Level 3) | |||||||||||||||
(Level 2) | |||||||||||||||||
(Dollars in thousands) | |||||||||||||||||
Assets: | |||||||||||||||||
Impaired loans: | |||||||||||||||||
Permanent real estate loans | $ | 637 | $ | — | $ | — | $ | 637 | |||||||||
Construction loans | 1,564 | — | — | 1,564 | |||||||||||||
Mortgage servicing assets | 387 | — | 387 | — | |||||||||||||
Other real estate owned, net: | |||||||||||||||||
Permanent real estate | 2,315 | — | — | 2,315 | |||||||||||||
Construction | 4,125 | — | — | 4,125 | |||||||||||||
Fair Value Measurements at December 31, 2012 Using: | |||||||||||||||||
December 31, | Quoted Prices | Significant | Significant | ||||||||||||||
2012 | in Active | Other | Unobservable | ||||||||||||||
Markets for | Observable | Inputs | |||||||||||||||
Identical Assets | Inputs | (Level 3) | |||||||||||||||
(Level 1) | (Level 2) | ||||||||||||||||
(Dollars in thousands) | |||||||||||||||||
Assets: | |||||||||||||||||
Impaired loans: | |||||||||||||||||
Permanent real estate loans | $ | 6,166 | $ | — | $ | — | $ | 6,166 | |||||||||
Construction loans | 3,489 | — | — | 3,489 | |||||||||||||
Commercial loans | 257 | — | — | 257 | |||||||||||||
Mortgage servicing assets | 4,920 | — | 4,920 | — | |||||||||||||
Other real estate owned, net: | |||||||||||||||||
Permanent real estate | 3,172 | — | — | 3,172 | |||||||||||||
Construction | 6,918 | — | — | 6,918 | |||||||||||||
Impaired loans with specific allocations of the allowance for loan losses, carried at fair value, which are measured for impairment using the fair value of the collateral for collateral dependent loans, had a net carrying amount of $2.2 million at September 30, 2013, which includes a specific valuation allowance of $808,000. This resulted in an increase in the provision for loan losses of $307,000 during the three months ended September 30, 2013 and an increase in the provision for loan losses of $2.6 million during the nine months ended September 30, 2013. Impaired loans with specific allocations of the allowance for loan losses, carried at fair value, which are measured for impairment using the fair value of the collateral for collateral dependent loans, had a carrying amount of $57.1 million at September 30, 2012, with a specific valuation allowance of $2.1 million. This resulted in a decrease of the provision for loan losses of $2.3 million during the three months ended September 30, 2012 and a decrease of the provision for loan losses of $794,000 during the nine months ended September 30, 2012. Impaired loans with specific allocations of the allowance for loan losses, carried at fair value, which are measured for impairment using the fair value of the collateral for collateral dependent loans, had a net carrying amount of $9.9 million at December 31, 2012, which includes a specific valuation allowance of $3.0 million. This resulted in an increase of the provision for loan losses of $27,000 during the twelve months ended December 31, 2012. | |||||||||||||||||
The significant unobservable (Level 3) inputs used in the fair value measurement of collateral for collateral dependent impaired loans included in the above table primarily relate to the adjustment between carrying value versus appraised value. During the reported periods, discounts applied to appraisals for estimated selling costs were 10%. | |||||||||||||||||
At September 30, 2013, mortgage servicing rights, carried at fair value, totaled $387,000, which is made up of the outstanding balance of $391,000, net of a valuation allowance of $4,000. At September 30, 2012, mortgage servicing rights, carried at fair value, totaled $4.2 million, which is made up of the outstanding balance of $6.2 million, net of a valuation allowance of $2.0 million. At December 31, 2012, mortgage servicing rights, carried at fair value, totaled $4.9 million, which is made up of the outstanding balance of $5.6 million, net of a valuation allowance of $680,000, resulting in a net recovery of $1.1 million for the year ended December 31, 2012. Mortgage servicing rights are valued by an independent third party that is active in purchasing and selling these instruments. The value reflects the characteristics of the underlying loans discounted at a market multiple. | |||||||||||||||||
At September 30, 2013, other real estate owned, carried at fair value, which is measured for impairment using the fair value of the property less estimated selling costs, had a net carrying amount of $6.4 million with a valuation allowance of $6.7 million. This resulted in additional expenses of $464,000 during the three months ended September 30, 2013 and additional expenses of $1.8 million during the nine months ended September 30, 2013. At September 30, 2012, other real estate owned had a net carrying amount of $18.5 million, with a valuation allowance of $6.9 million. This resulted in additional expenses of $1.3 million during the three months ended September 30, 2012, and additional expenses of $2.0 million during the nine months ended September 30, 2012. At December 31, 2012, other real estate owned had a net carrying amount of $10.1 million with a valuation allowance of $6.8 million. This resulted in additional expenses of $2.2 million during the twelve months ended December 31, 2012. | |||||||||||||||||
The following table presents quantitative information about Level 3 fair value measurements for financial instruments measured at fair value on a nonrecurring basis at September 30, 2013: | |||||||||||||||||
Fair Value | Valuation Technique(s) | Unobservable Input(s) | Range | ||||||||||||||
(Average) | |||||||||||||||||
(Dollars in thousands) | |||||||||||||||||
Impaired loans: | |||||||||||||||||
Permanent real estate loans | $ | 637 | Sales comparison approach | Adjustment for differences | 0.00%-56.90% | ||||||||||||
between comparable sales | -11.78% | ||||||||||||||||
Income approach | Adjustment for differences | 3.95%-14.62% | |||||||||||||||
in net operating income | -9.41% | ||||||||||||||||
Capitalization rate | |||||||||||||||||
Construction loans | 1,564 | Sales comparison approach | Adjustment for differences | 0.00%-25.00% | |||||||||||||
between comparable sales | -11.90% | ||||||||||||||||
Foreclosed assets: | |||||||||||||||||
Permanent real estate | 2,315 | Sales comparison approach | Adjustment for differences | 6.00%-46.53% | |||||||||||||
between comparable sales | -17.76% | ||||||||||||||||
Construction | 4,125 | Sales comparison approach | Adjustment for differences | 6.54%-26.63% | |||||||||||||
between comparable sales | -9.24% | ||||||||||||||||
The following table presents quantitative information about Level 3 fair value measurements for financial instruments measured at fair value on a nonrecurring basis at December 31, 2012: | |||||||||||||||||
Fair Value | Valuation Technique(s) | Unobservable Input(s) | Range | ||||||||||||||
(Average) | |||||||||||||||||
(Dollars in thousands) | |||||||||||||||||
Impaired loans: | |||||||||||||||||
Permanent real estate loans | $ | 6,166 | Sales comparison approach | Adjustment for differences | 12.07%-45.44% | ||||||||||||
between comparable sales | -28.75% | ||||||||||||||||
Income approach | Adjustment for differences | 7.52%-10.73% | |||||||||||||||
in net operating income | -9.49% | ||||||||||||||||
Capitalization rate | |||||||||||||||||
Construction loans | 3,489 | Sales comparison approach | Adjustment for differences | 0.00%-25.00% | |||||||||||||
between comparable sales | -9.83% | ||||||||||||||||
Income approach | Adjustment for differences | 10.00% | |||||||||||||||
in net operating income | |||||||||||||||||
Capitalization rate | |||||||||||||||||
Commercial loans | 257 | Sales comparison approach | Adjustment for differences | 1.6%-24.18% | |||||||||||||
between comparable sales | -11.15% | ||||||||||||||||
Income approach | Adjustment for differences | 8.5%-10% | |||||||||||||||
in net operating income | -9.25% | ||||||||||||||||
Capitalization rate | |||||||||||||||||
Foreclosed assets: | |||||||||||||||||
Permanent real estate | 3,172 | Sales comparison approach | Adjustment for differences | 3.60%-16.47% | |||||||||||||
between comparable sales | -10.20% | ||||||||||||||||
Construction | 6,918 | Sales comparison approach | Adjustment for differences | 0.00%-47.24% | |||||||||||||
between comparable sales | -17.63% | ||||||||||||||||
In accordance with U.S. GAAP, the carrying value and estimated fair values of financial instruments at September 30, 2013 and December 31, 2012, were as follows: | |||||||||||||||||
Fair Value Measurements at September 30, 2013 Using: | |||||||||||||||||
September 30, | Quoted Prices | Significant | Significant | ||||||||||||||
2013 | in Active | Other | Unobservable | ||||||||||||||
Carrying Value | Markets for | Observable | Inputs | ||||||||||||||
Identical Assets | Inputs | (Level 3) | |||||||||||||||
(Level 1) | (Level 2) | ||||||||||||||||
(Dollars in thousands) | |||||||||||||||||
Assets: | |||||||||||||||||
Cash and cash equivalents | $ | 86,130 | $ | 86,130 | $ | — | $ | — | |||||||||
Available for sale securities | 542,811 | 396 | 542,415 | — | |||||||||||||
Loans held for sale | 2,894 | — | 2,947 | — | |||||||||||||
Loans, net | 1,009,029 | — | — | 1,021,206 | |||||||||||||
FHLB stock | 26,464 | n/a | n/a | n/a | |||||||||||||
Accrued interest receivable | 5,200 | — | 2,081 | 3,119 | |||||||||||||
Interest rate caps | 594 | — | — | 594 | |||||||||||||
Liabilities: | |||||||||||||||||
Deposits: | |||||||||||||||||
Checking, savings and money market accounts | (900,444 | ) | (900,444 | ) | — | — | |||||||||||
Certificates of deposit | (510,166 | ) | — | (519,632 | ) | — | |||||||||||
FHLB advances | (50,000 | ) | — | (55,808 | ) | — | |||||||||||
Repurchase agreements and other | (90,583 | ) | — | (99,292 | ) | — | |||||||||||
Advance payments by borrowers for taxes and insurance | (12,126 | ) | — | (12,126 | ) | — | |||||||||||
Accrued interest payable | (592 | ) | — | (592 | ) | — | |||||||||||
Fair Value Measurements at December 31, 2012 Using: | |||||||||||||||||
December 31, | (Level 1) | (Level 2) | (Level 3) | ||||||||||||||
2012 | |||||||||||||||||
Carrying Value | |||||||||||||||||
(Dollars in thousands) | |||||||||||||||||
Assets: | |||||||||||||||||
Cash and cash equivalents | $ | 42,613 | $ | 42,613 | $ | — | $ | — | |||||||||
Available for sale securities | 574,562 | 313 | 574,249 | — | |||||||||||||
Loans held for sale | 13,031 | — | 13,428 | — | |||||||||||||
Loans, net | 1,066,240 | — | — | 1,087,205 | |||||||||||||
FHLB stock | 26,464 | n/a | n/a | n/a | |||||||||||||
Accrued interest receivable | 6,238 | — | 2,380 | 3,858 | |||||||||||||
Interest rate caps | 436 | — | — | 436 | |||||||||||||
Liabilities: | |||||||||||||||||
Deposits: | |||||||||||||||||
Checking, savings and money market accounts | (902,776 | ) | (902,776 | ) | — | — | |||||||||||
Certificates of deposit | (559,298 | ) | — | (571,836 | ) | — | |||||||||||
FHLB advances | (50,000 | ) | — | (57,077 | ) | — | |||||||||||
Repurchase agreements and other | (90,598 | ) | — | (102,086 | ) | — | |||||||||||
Advance payments by borrowers for taxes and insurance | (23,590 | ) | — | (23,590 | ) | — | |||||||||||
Accrued interest payable | (563 | ) | — | (563 | ) | — | |||||||||||
The methods and assumptions, not previously presented, used to estimate fair values are described as follows: | |||||||||||||||||
(a) Cash and Cash Equivalents | |||||||||||||||||
The carrying amounts of cash and short-term instruments approximate fair values and are classified as Level 1. | |||||||||||||||||
(b) FHLB Stock | |||||||||||||||||
It is not practical to determine the fair value of FHLB stock due to restrictions placed on its transferability. | |||||||||||||||||
(c) Loans | |||||||||||||||||
Fair values of loans, excluding loans held for sale, are estimated as follows: For variable rate loans that reprice frequently and with no significant change in credit risk, fair values are based on carrying values resulting in a Level 3 classification. Fair values for other loans are estimated using discounted cash flow analyses, using interest rates currently being offered for loans with similar terms to borrowers of similar credit quality resulting in a Level 3 classification. Impaired loans are valued at the lower of cost or fair value as described previously. The methods utilized to estimate the fair value of loans do not necessarily represent an exit price. | |||||||||||||||||
The fair value of loans held for sale is estimated based upon binding contracts and quotes from third party investors resulting in a Level 2 classification. | |||||||||||||||||
(d) Deposits | |||||||||||||||||
The fair values disclosed for demand deposits (e.g., interest and non-interest checking, passbook savings, and certain types of money market accounts) are, by definition, equal to the amount payable on demand at the reporting date (i.e., their carrying amount) resulting in a Level 1 classification. The carrying amounts of variable rate, fixed-term money market accounts approximate their fair values at the reporting date resulting in a Level 1 classification. Fair values for fixed and variable rate certificates of deposit are estimated using a discounted cash flow calculation that applies interest rates currently being offered on certificates of deposit to a schedule of aggregated expected monthly maturities on time deposits resulting in a Level 2 classification. | |||||||||||||||||
(e) Short-term Borrowings | |||||||||||||||||
The carrying amounts of federal funds purchased, borrowings under repurchase agreements, and other short-term borrowings, generally maturing within 90 days, approximate their fair values resulting in a Level 2 classification. | |||||||||||||||||
(f) Other Borrowings | |||||||||||||||||
The fair values of Home Savings long-term borrowings are estimated using discounted cash flow analyses based on the current borrowing rates for similar types of borrowing arrangements resulting in a Level 2 classification. | |||||||||||||||||
(g) Accrued Interest Receivable/Payable | |||||||||||||||||
The carrying amounts of accrued interest approximate fair value resulting in a Level 2 or Level 3 classification, depending on the classification of the underlying asset or liability. | |||||||||||||||||
(h) Off-balance Sheet Instruments | |||||||||||||||||
Fair values for off-balance sheet, credit-related financial instruments are based on fees currently charged to enter into similar agreements, taking into account the remaining terms of the agreements and the counterparties’ credit standing. The fair value of commitments is not material. |
Statement_of_Cash_Flows_Supple
Statement of Cash Flows Supplemental Disclosure | 9 Months Ended | ||||||||
Sep. 30, 2013 | |||||||||
Supplemental Cash Flow Elements [Abstract] | ' | ||||||||
Statement of Cash Flows Supplemental Disclosure | ' | ||||||||
11 | STATEMENT OF CASH FLOWS SUPPLEMENTAL DISCLOSURE | ||||||||
Supplemental disclosures of cash flow information are summarized below. | |||||||||
Nine Months Ended | Nine Months Ended | ||||||||
September 30, | September 30, | ||||||||
2013 | 2012 | ||||||||
(Dollars in thousands) | |||||||||
Supplemental disclosures of cash flow information | |||||||||
Cash paid during the period for: | |||||||||
Interest on deposits and borrowings | $ | 10,146 | $ | 14,202 | |||||
Income taxes | 500 | — | |||||||
Supplemental schedule of noncash activities: | |||||||||
Loans transferred from portfolio to held for sale | — | 1,214 | |||||||
Transfers from loans to real estate owned and other repossessed assets | 1,468 | 5,743 | |||||||
Transfers from real estate owned to premises and equipment | — | 1,746 | |||||||
Amortization of preferred stock discount | 6,751 | — | |||||||
Conversion of preferred stock to common stock | 21,841 | — |
Earnings_Per_Share
Earnings Per Share | 9 Months Ended | ||||||||
Sep. 30, 2013 | |||||||||
Earnings Per Share [Abstract] | ' | ||||||||
Earnings Per Share | ' | ||||||||
12 | EARNINGS PER SHARE | ||||||||
The Company has granted stock compensation awards with nonforfeitable dividend rights which are considered participating securities. As such, earnings per share is computed using the two-class method as required by ASC 206-10-45. Basic earnings per common share is computed by dividing net income allocated to common shareholders by the weighted average number of common shares outstanding during the period which excludes the participating securities. Diluted earnings per common share includes the dilutive effect of additional potential common shares from stock compensation awards, but also excludes awards considered participating securities. Stock options for 685,272 shares were anti-dilutive for the three months ended September 30, 2013 and stock options for 681,962 shares were anti-dilutive for the nine months ended September 30, 2013. Stock options for 1,658,390 shares were anti-dilutive for the three and nine months ended September 30, 2012. | |||||||||
Three months ended | Three months ended | ||||||||
September 30, | September 30, | ||||||||
2013 | 2012 | ||||||||
(Dollars in thousands, except per share data) | |||||||||
Net income (loss) per consolidated statements of income | $ | 1,717 | $ | (26,891 | ) | ||||
Net (income) loss allocated to participating securities | (4 | ) | 73 | ||||||
Amortization of discount on preferred stock | — | — | |||||||
Net income (loss) allocated to common stock | $ | 1,713 | $ | (26,818 | ) | ||||
Basic earnings per common share computation: | |||||||||
Distributed earnings allocated to common stock | $ | — | $ | — | |||||
Undistributed earnings (loss) allocated to common stock | 1,713 | (26,818 | ) | ||||||
Net income (loss) allocated to common stock | $ | 1,713 | $ | (26,818 | ) | ||||
Weighted average common shares outstanding, including shares considered participating securities | 50,219 | 32,847 | |||||||
Less: Average participating securities | (109 | ) | (96 | ) | |||||
Weighted average shares | 50,110 | 32,751 | |||||||
Basic earnings (loss) per common share | $ | 0.03 | $ | (0.82 | ) | ||||
Diluted earnings per common share computation: | |||||||||
Net income (loss) allocated to common stock | $ | 1,713 | $ | (26,818 | ) | ||||
Weighted average common shares outstanding for basic earnings per common share | 50,110 | 32,751 | |||||||
Add: Dilutive effects of assumed exercises of stock options | 272 | — | |||||||
Weighted average shares and dilutive potential common shares | 50,382 | 32,751 | |||||||
Diluted earnings (loss) per common share | $ | 0.03 | $ | (0.82 | ) | ||||
Nine months ended | Nine months ended | ||||||||
September 30, | September 30, | ||||||||
2013 | 2012 | ||||||||
(Dollars in thousands, except per share data) | |||||||||
Net income (loss) per consolidated statements of income | $ | 7,788 | $ | (23,033 | ) | ||||
Net (income) loss allocated to participating securities | (22 | ) | 43 | ||||||
Amortization of discount on preferred stock | (6,751 | ) | — | ||||||
Net income (loss) allocated to common stock | $ | 1,015 | $ | (22,990 | ) | ||||
Basic earnings per common share computation: | |||||||||
Distributed earnings allocated to common stock | $ | — | $ | — | |||||
Undistributed earnings (loss) allocated to common stock | 1,015 | (22,990 | ) | ||||||
Net income (loss) allocated to common stock | $ | 1,015 | $ | (22,990 | ) | ||||
Weighted average common shares outstanding, including shares considered participating securities | 42,455 | 32,781 | |||||||
Less: Average participating securities | (118 | ) | (66 | ) | |||||
Weighted average shares | 42,337 | 32,715 | |||||||
Basic earnings (loss) per common share | $ | 0.02 | $ | (0.70 | ) | ||||
Diluted earnings per common share computation: | |||||||||
Net income (loss) allocated to common stock | $ | 1,015 | $ | (22,990 | ) | ||||
Weighted average common shares outstanding for basic earnings per common share | 42,337 | 32,715 | |||||||
Add: Dilutive effects of assumed exercises of stock options | 275 | — | |||||||
Weighted average shares and dilutive potential common shares | 42,612 | 32,715 | |||||||
Diluted earnings (loss) per common share | $ | 0.02 | $ | (0.70 | ) | ||||
As previously announced and described under Note 15 below, on March 22, 2013, United Community sold 7,942 preferred shares to various investors. In accordance with U.S. GAAP, United Community recorded a beneficial conversion feature (“BCF”) related to the issuance of these preferred shares because they contain a conversion feature at a fixed rate that was in-the-money when issued. A BCF is “in-the-money” when the investor is deemed to be able to obtain the underlying common shares at a below-market price upon conversion of the preferred shares. The BCF was recognized in United Community’s Shareholders’ Equity and measured by allocating a portion of the proceeds equal to the intrinsic value of that feature to additional paid-in capital. The effective purchase price of the common shares into which the preferred shares were convertible was deemed to be $2.75, which was used to compute the intrinsic value. The intrinsic value was calculated as the difference between the deemed purchase price of the common shares ($2.75 per share) and the market value ($3.60 per share) on the date the preferred shares were issued (March 22, 2013), multiplied by the number of shares into which the preferred shares were convertible. The BCF resulting from the issuance of the preferred shares of United Community is calculated as follows: | |||||||||
Total common shares that may be issued upon conversion of preferred shares | 7,942,000 | ||||||||
Intrinsic value (difference between consideration allocated to preferred stock upon conversion at $2.75 per share and market price of $3.60 per share on March 22, 2013) | $ | 0.85 | |||||||
Beneficial conversion feature | $ | 6,750,700 | |||||||
The BCF has no effect on net income. The BCF calculated above is deemed to be an implied dividend for purposes of determining earnings per common share in accordance with U.S. GAAP, and is amortized over the period the preferred shares were outstanding. The preferred shares converted to common shares upon shareholder approval which was obtained in the second quarter 2013. This amortization resulted in a reduction to retained earnings and thus net income available to common shareholders for earnings per common share purposes. Therefore, United Community took into account the BCF discount when computing earnings per common share in 2013. |
Other_Comprehensive_Income_Los
Other Comprehensive Income (Loss) | 9 Months Ended | ||||||||||||||||
Sep. 30, 2013 | |||||||||||||||||
Equity [Abstract] | ' | ||||||||||||||||
Other Comprehensive Income (Loss) | ' | ||||||||||||||||
13 | OTHER COMPREHENSIVE INCOME (LOSS) | ||||||||||||||||
Other comprehensive income (loss) included in the Consolidated Statements of Shareholders’ Equity consists of unrealized gains and losses on available for sale securities and reflects no change in unrealized gains and losses on postretirement liability. The change includes no reclassification of gains on sales of securities and no impairment charges for the three months ended September 30, 2013, and gains on sales of securities of $1.2 million and no impairment charges for the three months ended September 30, 2012. The change includes reclassification of gains on sales of securities of $2.6 million and no impairment charges for the nine months September 30, 2013, and gains on sales of securities of $5.2 million and no impairment charges for the nine months ended September 30, 2012. | |||||||||||||||||
Other comprehensive income (loss) components and related tax effects for the three and nine month periods are as follows: | |||||||||||||||||
Three months ended | Nine months ended | ||||||||||||||||
September 30, | September 30, | ||||||||||||||||
2013 | 2012 | 2013 | 2012 | ||||||||||||||
(Dollars in thousands) | |||||||||||||||||
Unrealized holding gain (loss) on securities available for sale | $ | (2,121 | ) | $ | 6,759 | $ | (35,428 | ) | $ | 13,270 | |||||||
Unrealized holding gain (loss) on postretirement benefits | — | — | — | — | |||||||||||||
Reclassification adjustment for gains realized in income | — | (1,192 | ) | (2,578 | ) | (5,161 | ) | ||||||||||
Net unrealized gains (losses) | (2,121 | ) | 5,567 | (38,006 | ) | 8,109 | |||||||||||
Tax effect | — | (2,838 | ) | — | (2,838 | ) | |||||||||||
Net of tax amount | $ | (2,121 | ) | $ | 2,729 | $ | (38,006 | ) | $ | 5,271 | |||||||
The following is a summary of accumulated other comprehensive income (loss) balances, net of tax: | |||||||||||||||||
Balance at | Current | Balance at | |||||||||||||||
December 31, | Period | September 30, | |||||||||||||||
2012 | Change | 2013 | |||||||||||||||
(Dollars in thousands) | |||||||||||||||||
Unrealized gains (losses) on securities available for sale | $ | 5,082 | $ | (38,006 | ) | $ | (32,924 | ) | |||||||||
Unrealized gains (losses) on post-retirement benefits | 1,600 | — | 1,600 | ||||||||||||||
Total | $ | 6,682 | $ | (38,006 | ) | $ | (31,324 | ) | |||||||||
The following is a summary of each component of accumulated other comprehensive income (loss) that was reclassified into net income during the three and nine months ended September 30, 2013: | |||||||||||||||||
Unrealized | Postretirement | Total | |||||||||||||||
gains/losses on | Benefits | ||||||||||||||||
Available for | |||||||||||||||||
Sale Securities | |||||||||||||||||
(Dollars in thousands) | |||||||||||||||||
Beginning balance (06/30/2013) | $ | (30,803 | ) | $ | 1,600 | $ | (29,203 | ) | |||||||||
Other comprehensive loss before reclassification | (2,121 | ) | — | (2,121 | ) | ||||||||||||
Amounts reclassified from accumulated other compressive loss | — | — | — | ||||||||||||||
Net current period other comprehensive loss | (2,121 | ) | — | (2,121 | ) | ||||||||||||
Ending balance (09/30/2013) | $ | (32,924 | ) | $ | 1,600 | $ | (31,324 | ) | |||||||||
Unrealized | Postretirement | Total | |||||||||||||||
gains/losses on | Benefits | ||||||||||||||||
Available for | |||||||||||||||||
Sale Securities | |||||||||||||||||
(Dollars in thousands) | |||||||||||||||||
Beginning balance (12/31/12) | $ | 5,082 | $ | 1,600 | $ | 6,682 | |||||||||||
Other comprehensive loss before reclassification | (35,428 | ) | — | (35,428 | ) | ||||||||||||
Amounts reclassified from accumulated other compressive loss | (2,578 | ) | — | (2,578 | ) | ||||||||||||
Net current period other comprehensive loss | (38,006 | ) | — | (38,006 | ) | ||||||||||||
Ending balance (09/30/2013) | $ | (32,924 | ) | $ | 1,600 | $ | (31,324 | ) |
Regulatory_Capital_Requirement
Regulatory Capital Requirements | 9 Months Ended | ||||||||||||||||
Sep. 30, 2013 | |||||||||||||||||
Text Block [Abstract] | ' | ||||||||||||||||
Regulatory Capital Requirements | ' | ||||||||||||||||
14 | REGULATORY CAPITAL REQUIREMENTS | ||||||||||||||||
Home Savings is subject to various regulatory capital requirements administered by the federal banking agencies. Failure to meet minimum capital requirements can initiate certain mandatory and possibly additional discretionary actions by regulators that, if undertaken, could have a direct material effect on Home Savings and United Community. The regulations require Home Savings to meet specific capital adequacy guidelines in keeping with the regulatory framework for prompt corrective action that involve quantitative measures of Home Savings’ assets, liabilities, and certain off balance sheet items as calculated under regulatory accounting practices. Home Savings’ capital classification is also subject to qualitative judgments by the regulators about components of capital, risk weightings, and other factors. | |||||||||||||||||
Quantitative measures established by regulation for capital adequacy require Home Savings to maintain minimum ratios of Tier 1 (or Core) capital (as defined in the regulations) to average total assets (as defined) and of total risk-based capital (as defined) to risk-weighted assets (as defined). Actual and regulatory required capital ratios for Home Savings, along with the dollar amount of capital implied by such ratios, are presented below. | |||||||||||||||||
As of September 30, 2013 | |||||||||||||||||
Actual | Minimum Capital | ||||||||||||||||
Requirements Per | |||||||||||||||||
Memorandum of | |||||||||||||||||
Understanding | |||||||||||||||||
Amount | Ratio | Amount | Ratio | ||||||||||||||
(Dollars in thousands) | |||||||||||||||||
Total risk-based capital to risk-weighted assets | $ | 197,975 | 19.78 | % | $ | 120,090 | 12 | % | |||||||||
Tier 1 capital to risk-weighted assets | 185,360 | 18.52 | % | * | * | ||||||||||||
Tier 1 capital to average total assets** | 185,360 | 10.26 | % | 162,536 | 8.5 | % | |||||||||||
As of September 30, 2013 | |||||||||||||||||
Minimum Capital | To Be Well | ||||||||||||||||
Requirements Per | Capitalized Under | ||||||||||||||||
Regulation | Prompt Corrective | ||||||||||||||||
Action Provisions | |||||||||||||||||
Amount | Ratio | Amount | Ratio | ||||||||||||||
(Dollars in thousands) | |||||||||||||||||
Total risk-based capital to risk-weighted assets | $ | 80,060 | 8 | % | $ | 100,075 | 10 | % | |||||||||
Tier 1 capital to risk-weighted assets | * | * | 60,045 | 6 | % | ||||||||||||
Tier 1 capital to average total assets** | 72,239 | 4 | % | 90,298 | 5 | % | |||||||||||
As of December 31, 2012 | |||||||||||||||||
Actual | Minimum Capital | ||||||||||||||||
Requirements Per | |||||||||||||||||
Bank Order | |||||||||||||||||
Amount | Ratio | Amount | Ratio | ||||||||||||||
(Dollars in thousands) | |||||||||||||||||
Total risk-based capital to risk-weighted assets | $ | 174,139 | 16.21 | % | $ | 128,948 | 12 | % | |||||||||
Tier 1 capital to risk-weighted assets | 160,612 | 14.95 | % | * | * | ||||||||||||
Tier 1 capital to average total assets** | 160,612 | 8.7 | % | 166,226 | 9 | % | |||||||||||
As of December 31, 2012 | |||||||||||||||||
Minimum Capital | To Be Well | ||||||||||||||||
Requirements Per | Capitalized Under | ||||||||||||||||
Regulation | Prompt Corrective | ||||||||||||||||
Action Provisions | |||||||||||||||||
Amount | Ratio | Amount | Ratio | ||||||||||||||
(Dollars in thousands) | |||||||||||||||||
Total risk-based capital to risk-weighted assets | $ | 85,965 | 8 | % | $ | 107,457 | 10 | % | |||||||||
Tier 1 capital to risk-weighted assets | * | * | 64,474 | 6 | % | ||||||||||||
Tier 1 capital to average total assets** | 73,878 | 4 | % | 92,348 | 5 | % | |||||||||||
* | Ratio is not required under regulations | ||||||||||||||||
** | Tier 1 Leverage Capital Ratio | ||||||||||||||||
Pursuant to the Consent Order issued by the FDIC and Ohio Division, Home Savings needed to maintain a Tier 1 Leverage Capital Ratio greater than 9.0% and a Total Risk Based Capital Ratio greater than 12.0% at the end of every quarter beginning with the quarter ending June 30, 2012. While the Consent Order was in effect, if either ratio had fallen below its limit at the end of any given quarter, then Home Savings would have had to have restored its capital ratios to required levels within 90 days. | |||||||||||||||||
The Bank’s Tier 1 Leverage Capital Ratio is 8.70% at December 31, 2012. While Home Savings was still operating under a Consent Order at December 31, 2012 requiring a minimum Tier 1 Leverage Capital Ratio of 9.0%, the Company worked closely with its regulators to keep them informed of the bulk sale transaction and obtained their concurrence to complete the bulk sale along with the Bank’s commitment to meet the 9.0% requirement by March 31, 2013. | |||||||||||||||||
As of September 30, 2013, Home Savings is considered well capitalized, but must maintain a ratio of total risk-based capital to risk- weighted assets of 12.0% and a Tier 1 Capital to average total assets ratio of 8.5% in accordance with the Bank MOU. As of December 31, 2012, the FDIC categorized Home Savings as adequately capitalized pursuant to the Consent Order. However, once the Consent Order was terminated on January 31, 2013, Home Savings was considered well capitalized. | |||||||||||||||||
In July 2013, United Community’s primary federal regulator, the FRB, and the Bank’s primary federal regulator, the FDIC, along with other regulatory agencies, published final rules (the Basel III Capital Rules) that will revise their leverage and risk-based capital requirements and the method for calculating risk-weighted assets to make them consistent with agreements that were reached by the Basel Committee on Banking Supervision and certain provisions of the Dodd-Frank Act. Among other things, the rule establishes a new common equity Tier 1 minimum capital requirement (4.5% of risk-weighted assets), increases the minimum Tier 1 capital to risk-based assets requirement (from 4% to 6% of risk-weighted assets) and assigns a higher risk weight (150%) to exposures that are more than 90 days past due or are on nonaccrual status and to certain commercial real estate facilities that finance the acquisition, development or construction of real property. The final rule also requires unrealized gains and losses on certain available-for-sale securities holdings to be included for purposes of calculating regulatory capital requirements unless a one-time opt-in or opt-out is exercised. The rule limits a banking organization’s capital distributions and certain discretionary bonus payments if the banking organization does not hold a “capital conservation buffer” consisting of 2.5% of common equity Tier 1 capital risk-based weighted assets in addition to the amount necessary to meeting its minimum risk-based capital requirements. | |||||||||||||||||
The final rule becomes effective for the Bank on January 1, 2015. The capital conservation buffer requirement will be phased in beginning January 1, 2016 and ending January 1, 2019, when the full capital conservation buffer requirement will be effective. The final rule also implements consolidated capital requirements, effective January 1, 2015. | |||||||||||||||||
Events beyond management’s control, such as fluctuations in interest rates or a downturn in the economy in areas in which Home Savings’ loans and securities are concentrated, could adversely affect future earnings and consequently Home Savings’ ability to meet its future capital requirements. Refer to Note 2 for a complete discussion of the regulatory enforcement actions. |
Capital_Raise
Capital Raise | 9 Months Ended | |
Sep. 30, 2013 | ||
Equity [Abstract] | ' | |
Capital Raise | ' | |
15 | CAPITAL RAISE | |
On January 11, 2013, United Community entered into securities purchase agreements with 28 accredited investors, pursuant to which the investors agreed to invest an aggregate of approximately $39.9 million in United Community for 6,574,272 newly issued common shares of United Community at a purchase price of $2.75 per share, and 7,942 newly created and issued perpetual mandatorily convertible non-cumulative preferred shares of United Community at a purchase price of $2,750 per share. On March 22, 2013, United Community received $39.9 million from the completion of this portion of the private placement of the capital raise. Upon receipt of United Community shareholder approval, each of the preferred shares automatically converted into 1,000 United Community common shares. Shareholder approval was obtained at a special meeting of shareholders held on May 28, 2013. The preferred shares did not pay any preferred dividends. | ||
Also on January 11, 2013, United Community entered into subscription agreements with certain of United Community’s directors, officers and their affiliates pursuant to which these insider investors agreed to invest an aggregate of approximately $2.1 million in United Community for 755,820 newly issued common shares, at the same purchase price of $2.75 per share. The issuance and sale of common shares to the insider investors, pursuant to the subscription agreements, was subject to United Community shareholder approval, which was obtained on May 28, 2013. | ||
On April 26, 2013, United Community issued a prospectus for the purpose of offering existing shareholders the right to purchase up to $5.0 million of United Community common shares at $2.75 per share. The rights offering closed on May 28, 2013 and United Community issued 1,818,181 shares to existing shareholders that elected to participate. | ||
Legal, investment banking and other consulting expenses incurred by United Community to complete the capital raise were approximately $4.6 million in the aggregate. The increase in equity from the capital raise was reduced by these expenses. |
Income_Taxes
Income Taxes | 9 Months Ended | ||
Sep. 30, 2013 | |||
Income Tax Disclosure [Abstract] | ' | ||
Income Taxes | ' | ||
16 | INCOME TAXES | ||
As of September 30, 2013 the net deferred tax asset (prior to any valuation allowance) was $39.7 million, and as of December 31, 2012, the net deferred tax asset (prior to any valuation allowance) was $28.8 million. The value of the net deferred tax asset (prior to any valuation allowance) on September 30, 2013 and December 31, 2012, includes the tax effect of unrealized gains or losses on available for sale securities. The deferred tax asset attributable to unrealized losses at September 30, 2013 was $10.5 million. The deferred tax liability attributable to unrealized gains at December 31, 2012 was $2.8 million. Management recorded a valuation allowance against the net deferred tax assets at September 30, 2013 and December 31, 2012 based on its estimate of future reversal and utilization. When determining the amount of deferred tax assets that are more-likely-than-not to be realized, and therefore recorded as a benefit, the Company conducts a regular assessment of all available information. This information includes, but is not limited to, taxable income in prior periods, projected future income, and projected future reversals of deferred tax items. Based on these criteria, the Company determined that it was necessary to establish a full valuation allowance against the entire net deferred tax asset for all periods presented. At September 30, 2013, net operating loss carryforwards totaled $72.9 million and a December 31, 2012, net operating loss carryforwards totaled $81.2 million. | |||
Based on the capital raise in the first half of 2013, management has made a preliminary assessment that a change in ownership in accordance with the guidelines of Section 382 of the Internal Revenue Code of 1986 has not occurred. | |||
The Company’s taxes payable for the period ended September 30, 2013 are the result of the application of the alternative minimum tax. |
Recent_Accounting_Developments1
Recent Accounting Developments (Policies) | 9 Months Ended |
Sep. 30, 2013 | |
Accounting Changes And Error Corrections [Abstract] | ' |
Comprehensive Income | ' |
In February 2013, the FASB issued ASU No. 2013-02, “Comprehensive Income (Topic 220): Reporting of Amounts Reclassified Out of Accumulated Other Comprehensive Income.” The primary objective of this ASU is improving the reporting of reclassifications out of accumulated other comprehensive income (AOCI). For significant reclassifications that are required to be presented in their entirety in net income in the same reporting period by U.S. GAAP the ASU requires an entity to report the effect of these reclassifications out of AOCI on the respective line items of net income either on the face of the statement that reports net income or in the financial statement notes. For AOCI items that that are not reclassified to net income in their entirety, presentation in the financial statement notes is required. The ASU does not change the current requirements for reporting net income or AOCI in the financial statements. This ASU is effective for public companies for fiscal years and interim periods within those years beginning after December 15, 2012. The ASU should be applied prospectively for all companies. Early application is permitted. The adoption of this ASU did not have a material effect on United Community’s financial statements. |
Stock_Compensation_Tables
Stock Compensation (Tables) | 9 Months Ended | ||||||||||||
Sep. 30, 2013 | |||||||||||||
Disclosure Of Compensation Related Costs Sharebased Payments [Abstract] | ' | ||||||||||||
Summary of Activity in Plans | ' | ||||||||||||
A summary of activity in the plans is as follows: | |||||||||||||
For the nine months ended September 30, 2013 | |||||||||||||
Shares | Weighted | Aggregate | |||||||||||
average | intrinsic value | ||||||||||||
exercise price | (in thousands) | ||||||||||||
Outstanding at beginning of year | 1,309,942 | $ | 5.77 | $ | 640 | ||||||||
Granted | 12,317 | 3.54 | — | ||||||||||
Exercised | (123,600 | ) | 2.01 | — | |||||||||
Forfeited | (241,729 | ) | 8.82 | — | |||||||||
Outstanding at end of period | 956,930 | $ | 5.46 | $ | 1,102 | ||||||||
Options exercisable at end of period | 929,028 | $ | 5.54 | $ | 1,065 | ||||||||
Information Related to Stock Option Plans | ' | ||||||||||||
Information related to the stock option plans for the nine months ended September 30, 2013 follows: | |||||||||||||
September 30, 2013 | |||||||||||||
Intrinsic value of options exercised | $ | 304,056 | |||||||||||
Cash received from option exercises | 155,320 | ||||||||||||
Tax benefit realized from option exercises | — | ||||||||||||
Weighted average fair value of options granted, per share | $ | 2.38 | |||||||||||
Weighted-Average Assumptions for Determining Fair Value of Options Granted | ' | ||||||||||||
The fair value of options granted during the third quarter 2013 was determined using the following weighted-average assumptions as of the grant date. | |||||||||||||
July 3, 2013 | |||||||||||||
Risk-free interest rate | 0.84 | % | |||||||||||
Expected term (years) | 5 | ||||||||||||
Expected stock volatility | 86.2 | % | |||||||||||
Dividend yield | — | % | |||||||||||
Summary of Changes in Company's Nonvested Restricted Shares | ' | ||||||||||||
A summary of changes in the Company’s nonvested restricted shares for the first nine months of 2013 is as follows: | |||||||||||||
Shares | Weighted | ||||||||||||
average grant | |||||||||||||
date fair value | |||||||||||||
Nonvested shares at January 1, 2013 | 129,321 | $ | 2.86 | ||||||||||
Granted | 17,226 | 3.82 | |||||||||||
Vested | (26,317 | ) | 2.09 | ||||||||||
Forfeited | (14,160 | ) | 3.06 | ||||||||||
Nonvested shares at September 30, 2013 | 106,070 | $ | 3.18 | ||||||||||
Securities_Tables
Securities (Tables) | 9 Months Ended | ||||||||||||||||||||||||
Sep. 30, 2013 | |||||||||||||||||||||||||
Investments Debt And Equity Securities [Abstract] | ' | ||||||||||||||||||||||||
Components of Available for Sale Portfolio | ' | ||||||||||||||||||||||||
Components of the available for sale portfolio are as follows: | |||||||||||||||||||||||||
September 30, 2013 | |||||||||||||||||||||||||
(Dollars in thousands) | |||||||||||||||||||||||||
Amortized | Gross | Gross | Fair | ||||||||||||||||||||||
Cost | Unrealized | Unrealized | Value | ||||||||||||||||||||||
Gains | Losses | ||||||||||||||||||||||||
Available for Sale | |||||||||||||||||||||||||
U.S. Treasury and government sponsored entities’ securities | $ | 250,268 | $ | 1 | $ | (20,506 | ) | $ | 229,763 | ||||||||||||||||
Equity securities | 101 | 295 | — | 396 | |||||||||||||||||||||
Mortgage-backed GSE securities: residential | 322,395 | 651 | (10,394 | ) | 312,652 | ||||||||||||||||||||
Total | $ | 572,764 | $ | 947 | $ | (30,900 | ) | $ | 542,811 | ||||||||||||||||
31-Dec-12 | |||||||||||||||||||||||||
(Dollars in thousands) | |||||||||||||||||||||||||
Amortized | Gross | Gross | Fair | ||||||||||||||||||||||
Cost | Unrealized | Unrealized | Value | ||||||||||||||||||||||
Gains | Losses | ||||||||||||||||||||||||
Available for Sale | |||||||||||||||||||||||||
U.S. Treasury and government sponsored entities’ securities | $ | 161,845 | $ | 2,409 | $ | (562 | ) | $ | 163,692 | ||||||||||||||||
Equity securities | 101 | 212 | — | 313 | |||||||||||||||||||||
Mortgage-backed GSE securities: residential | 404,563 | 6,142 | (148 | ) | 410,557 | ||||||||||||||||||||
Total | $ | 566,509 | $ | 8,763 | $ | (710 | ) | $ | 574,562 | ||||||||||||||||
Debt Securities Available for Sale by Contractual Maturity | ' | ||||||||||||||||||||||||
Debt securities available for sale by contractual maturity, repricing or expected call date are shown below: | |||||||||||||||||||||||||
September 30, 2013 | |||||||||||||||||||||||||
(Dollars in thousands) | |||||||||||||||||||||||||
Amortized | Fair | ||||||||||||||||||||||||
Cost | Value | ||||||||||||||||||||||||
Due in one year or less | $ | — | $ | — | |||||||||||||||||||||
Due after one year through five years | 500 | 501 | |||||||||||||||||||||||
Due after five years through ten years | 161,153 | 149,827 | |||||||||||||||||||||||
Due after ten years through fifteen years | 88,615 | 79,435 | |||||||||||||||||||||||
Mortgage-related securities | 322,394 | 312,652 | |||||||||||||||||||||||
Total | $ | 572,662 | $ | 542,415 | |||||||||||||||||||||
Securities Available for Sale in Unrealized Loss Position | ' | ||||||||||||||||||||||||
Securities available for sale in an unrealized loss position are as follows: | |||||||||||||||||||||||||
September 30, 2013 | |||||||||||||||||||||||||
(Dollars in thousands) | |||||||||||||||||||||||||
Less Than 12 Months | 12 Months or More | Total | |||||||||||||||||||||||
Fair | Unrealized | Fair | Unrealized | Fair | Unrealized | ||||||||||||||||||||
Value | Loss | Value | Loss | Value | Loss | ||||||||||||||||||||
U.S. Treasury and government sponsored entities’ securities | $ | 229,262 | $ | (20,506 | ) | $ | — | $ | — | $ | 229,262 | $ | (20,506 | ) | |||||||||||
Mortgage-related securities | 264,019 | (10,136 | ) | 8,704 | (257 | ) | 272,723 | (10,393 | ) | ||||||||||||||||
Total | $ | 493,281 | $ | (30,642 | ) | $ | 8,704 | $ | (257 | ) | $ | 501,985 | $ | (30,899 | ) | ||||||||||
31-Dec-12 | |||||||||||||||||||||||||
(Dollars in thousands) | |||||||||||||||||||||||||
Less Than 12 Months | 12 Months or More | Total | |||||||||||||||||||||||
Fair | Unrealized | Fair | Unrealized | Fair | Unrealized | ||||||||||||||||||||
Value | Loss | Value | Loss | Value | Loss | ||||||||||||||||||||
U.S. Treasury and government sponsored entities’ securities | $ | 42,480 | $ | (562 | ) | $ | — | $ | — | $ | 42,480 | $ | (562 | ) | |||||||||||
Mortgage-related securities | 72,020 | (148 | ) | — | — | 72,020 | (148 | ) | |||||||||||||||||
Total | $ | 114,500 | $ | (710 | ) | $ | — | $ | — | $ | 114,500 | $ | (710 | ) | |||||||||||
Loans_Tables
Loans (Tables) | 9 Months Ended | ||||||||||||||||||||||||||||
Sep. 30, 2013 | |||||||||||||||||||||||||||||
Receivables [Abstract] | ' | ||||||||||||||||||||||||||||
Schedule of Portfolio of Loans | ' | ||||||||||||||||||||||||||||
Portfolio loans consist of the following: | |||||||||||||||||||||||||||||
September 30, | December 31, | ||||||||||||||||||||||||||||
2013 | 2012 | ||||||||||||||||||||||||||||
(Dollars in thousands) | |||||||||||||||||||||||||||||
Real Estate: | |||||||||||||||||||||||||||||
One-to four-family residential | $ | 575,791 | $ | 577,249 | |||||||||||||||||||||||||
Multi-family residential | 55,696 | 80,923 | |||||||||||||||||||||||||||
Nonresidential | 127,699 | 138,188 | |||||||||||||||||||||||||||
Land | 9,546 | 15,808 | |||||||||||||||||||||||||||
Construction: | |||||||||||||||||||||||||||||
One-to four-family residential and land development | 38,932 | 28,318 | |||||||||||||||||||||||||||
Multi-family and nonresidential | — | 4,534 | |||||||||||||||||||||||||||
Total real estate | 807,664 | 845,020 | |||||||||||||||||||||||||||
Consumer | |||||||||||||||||||||||||||||
Home equity | 163,866 | 177,230 | |||||||||||||||||||||||||||
Auto | 5,943 | 7,648 | |||||||||||||||||||||||||||
Marine | 4,432 | 4,942 | |||||||||||||||||||||||||||
Recreational vehicles | 17,939 | 22,250 | |||||||||||||||||||||||||||
Other | 2,203 | 2,523 | |||||||||||||||||||||||||||
Total consumer | 194,383 | 214,593 | |||||||||||||||||||||||||||
Commercial | |||||||||||||||||||||||||||||
Secured | 26,113 | 24,243 | |||||||||||||||||||||||||||
Unsecured | 775 | 2,300 | |||||||||||||||||||||||||||
Total commercial | 26,888 | 26,543 | |||||||||||||||||||||||||||
Total loans | 1,028,935 | 1,086,156 | |||||||||||||||||||||||||||
Less: | |||||||||||||||||||||||||||||
Allowance for loan losses | 21,032 | 21,130 | |||||||||||||||||||||||||||
Deferred loan costs, net | (1,126 | ) | (1,214 | ) | |||||||||||||||||||||||||
Total | 19,906 | 19,916 | |||||||||||||||||||||||||||
Loans, net | $ | 1,009,029 | $ | 1,066,240 | |||||||||||||||||||||||||
Investment in Loans by Portfolio Segment and Based on Impairment | ' | ||||||||||||||||||||||||||||
The following tables present the balance in the allowance for loan losses and the recorded investment in loans by portfolio segment and based on impairment method as of September 30, 2013 and December 31, 2012 and activity for the three and nine months ended September 30, 2013 and 2012. | |||||||||||||||||||||||||||||
Allowance For Loan Losses | |||||||||||||||||||||||||||||
(Dollars in thousands) | |||||||||||||||||||||||||||||
Permanent | Construction | Consumer | Commercial | Total | |||||||||||||||||||||||||
Real Estate | Loans | Loans | Loans | ||||||||||||||||||||||||||
Loans | |||||||||||||||||||||||||||||
For the three months ended September 30, 2013 | |||||||||||||||||||||||||||||
Beginning balance (06/30/13) | $ | 12,129 | $ | 1,803 | $ | 4,202 | $ | 903 | $ | 19,037 | |||||||||||||||||||
Provision | 2,286 | (1,800 | ) | 394 | (223 | ) | 657 | ||||||||||||||||||||||
Chargeoffs | (651 | ) | (37 | ) | (400 | ) | (16 | ) | (1,104 | ) | |||||||||||||||||||
Recoveries | 92 | 1,913 | 257 | 180 | 2,442 | ||||||||||||||||||||||||
Ending balance (09/30/13) | $ | 13,856 | $ | 1,879 | $ | 4,453 | $ | 844 | $ | 21,032 | |||||||||||||||||||
For the nine months ended September 30, 2013 | |||||||||||||||||||||||||||||
Beginning balance (12/31/12) | $ | 13,819 | $ | 1,404 | $ | 4,459 | $ | 1,448 | $ | 21,130 | |||||||||||||||||||
Provision | 5,064 | (1,354 | ) | 967 | (843 | ) | 3,834 | ||||||||||||||||||||||
Chargeoffs | (5,794 | ) | (402 | ) | (1,514 | ) | (144 | ) | (7,854 | ) | |||||||||||||||||||
Recoveries | 767 | 2,231 | 541 | 383 | 3,922 | ||||||||||||||||||||||||
Ending balance (09/30/13) | $ | 13,856 | $ | 1,879 | $ | 4,453 | $ | 844 | $ | 21,032 | |||||||||||||||||||
September 30, 2013 | |||||||||||||||||||||||||||||
Period-end amount allocated to: | |||||||||||||||||||||||||||||
Loans individually evaluated for impairment | $ | 1,222 | $ | 677 | $ | 524 | $ | — | $ | 2,423 | |||||||||||||||||||
Loans collectively evaluated for impairment | 12,634 | 1,202 | 3,929 | 844 | 18,609 | ||||||||||||||||||||||||
Ending balance | $ | 13,856 | $ | 1,879 | $ | 4,453 | $ | 844 | $ | 21,032 | |||||||||||||||||||
Period-end balances: | |||||||||||||||||||||||||||||
Loans individually evaluated for impairment | $ | 26,259 | $ | 3,333 | $ | 12,407 | $ | 4,328 | $ | 46,327 | |||||||||||||||||||
Loans collectively evaluated for impairment | 742,473 | 35,599 | 181,976 | 22,560 | 982,608 | ||||||||||||||||||||||||
Ending balance | $ | 768,732 | $ | 38,932 | $ | 194,383 | $ | 26,888 | $ | 1,028,935 | |||||||||||||||||||
Allowance For Loan Losses | |||||||||||||||||||||||||||||
(Dollars in thousands) | |||||||||||||||||||||||||||||
Permanent | Construction | Consumer | Commercial | Total | |||||||||||||||||||||||||
Real Estate | Loans | Loans | Loans | ||||||||||||||||||||||||||
Loans | |||||||||||||||||||||||||||||
For the three months ended September 30, 2012 | |||||||||||||||||||||||||||||
Beginning balance (06/30/12) | $ | 22,121 | $ | 2,490 | $ | 4,805 | $ | 1,517 | $ | 30,933 | |||||||||||||||||||
Provision | 27,905 | 1,678 | 1,288 | (592 | ) | 30,279 | |||||||||||||||||||||||
Chargeoffs | (2,267 | ) | (543 | ) | (839 | ) | (233 | ) | (3,882 | ) | |||||||||||||||||||
Recoveries | 468 | 139 | 125 | 144 | 876 | ||||||||||||||||||||||||
Net (chargeoffs) recovery from asset sale | (35,744 | ) | (2,134 | ) | (822 | ) | 542 | (38,158 | ) | ||||||||||||||||||||
Ending balance (09/30/12) | $ | 12,483 | $ | 1,630 | $ | 4,557 | $ | 1,378 | $ | 20,048 | |||||||||||||||||||
For the nine months ended September 30, 2012 | |||||||||||||||||||||||||||||
Beginning balance (12/31/11) | $ | 31,323 | $ | 4,493 | $ | 4,576 | $ | 1,879 | $ | 42,271 | |||||||||||||||||||
Provision | 32,539 | 2,293 | 2,422 | (31 | ) | 37,223 | |||||||||||||||||||||||
Chargeoffs | (16,328 | ) | (3,213 | ) | (2,198 | ) | (1,207 | ) | (22,946 | ) | |||||||||||||||||||
Recoveries | 693 | 191 | 579 | 195 | 1,658 | ||||||||||||||||||||||||
Net (chargeoffs) recovery from asset sale | (35,744 | ) | (2,134 | ) | (822 | ) | 542 | (38,158 | ) | ||||||||||||||||||||
Ending balance (09/30/12) | $ | 12,483 | $ | 1,630 | $ | 4,557 | $ | 1,378 | $ | 20,048 | |||||||||||||||||||
December 31, 2012 | |||||||||||||||||||||||||||||
Period-end amount allocated to: | |||||||||||||||||||||||||||||
Loans individually evaluated for impairment | $ | 2,380 | $ | 478 | $ | — | $ | 166 | $ | 3,024 | |||||||||||||||||||
Loans collectively evaluated for impairment | 11,439 | 926 | 4,459 | 1,282 | 18,106 | ||||||||||||||||||||||||
Ending balance | $ | 13,819 | $ | 1,404 | $ | 4,459 | $ | 1,448 | $ | 21,130 | |||||||||||||||||||
Period-end balances: | |||||||||||||||||||||||||||||
Loans individually evaluated for impairment | $ | 43,013 | $ | 7,547 | $ | 8,784 | $ | 1,673 | $ | 61,017 | |||||||||||||||||||
Loans collectively evaluated for impairment | 769,155 | 25,305 | 205,809 | 24,870 | 1,025,139 | ||||||||||||||||||||||||
Ending balance | $ | 812,168 | $ | 32,852 | $ | 214,593 | $ | 26,543 | $ | 1,086,156 | |||||||||||||||||||
Presentation of Loans Individually Evaluated for Impairment by Class | ' | ||||||||||||||||||||||||||||
The following table presents loans individually evaluated for impairment by class of loans as of and for the nine months ended September 30, 2013: | |||||||||||||||||||||||||||||
Impaired Loans | |||||||||||||||||||||||||||||
(Dollars in thousands) | |||||||||||||||||||||||||||||
Unpaid | Recorded | Allowance | Average | Interest | Cash Basis | ||||||||||||||||||||||||
Principal | Investment | for Loan | Recorded | Income | Income | ||||||||||||||||||||||||
Balance | Losses | Investment | Recognized | Recognized | |||||||||||||||||||||||||
Allocated | |||||||||||||||||||||||||||||
With no specific allowance recorded | |||||||||||||||||||||||||||||
Permanent real estate | |||||||||||||||||||||||||||||
One-to four-family residential | $ | 14,687 | $ | 12,469 | $ | — | $ | 16,088 | $ | 333 | $ | 385 | |||||||||||||||||
Multifamily residential | 737 | 643 | — | 766 | 2 | 9 | |||||||||||||||||||||||
Nonresidential | 6,380 | 5,227 | — | 7,209 | 12 | 44 | |||||||||||||||||||||||
Land | 3,913 | 487 | — | 2,120 | — | — | |||||||||||||||||||||||
Total | 25,717 | 18,826 | — | 26,183 | 347 | 438 | |||||||||||||||||||||||
Construction loans | |||||||||||||||||||||||||||||
One-to four-family residential | 1,501 | 1,092 | — | 2,070 | — | 2 | |||||||||||||||||||||||
Multifamily and nonresidential | — | — | — | — | — | — | |||||||||||||||||||||||
Total | 1,501 | 1,092 | — | 2,070 | — | 2 | |||||||||||||||||||||||
Consumer loans | |||||||||||||||||||||||||||||
Home Equity | 9,073 | 8,511 | — | 8,942 | 300 | 328 | |||||||||||||||||||||||
Auto | 50 | 33 | — | 40 | 1 | 3 | |||||||||||||||||||||||
Marine | 162 | 162 | — | 182 | — | 7 | |||||||||||||||||||||||
Recreational vehicle | 270 | 245 | — | 737 | 9 | 12 | |||||||||||||||||||||||
Other | — | — | — | 2 | — | — | |||||||||||||||||||||||
Total | 9,555 | 8,951 | — | 9,903 | 310 | 350 | |||||||||||||||||||||||
Commercial loans | |||||||||||||||||||||||||||||
Secured | 4,701 | 4,328 | — | 2,798 | — | 41 | |||||||||||||||||||||||
Unsecured | 4,197 | — | — | 188 | 1 | 56 | |||||||||||||||||||||||
Total | 8,898 | 4,328 | — | 2,986 | 1 | 97 | |||||||||||||||||||||||
Total | $ | 45,671 | $ | 33,197 | $ | — | $ | 41,142 | $ | 658 | $ | 887 | |||||||||||||||||
With a specific allowance recorded | |||||||||||||||||||||||||||||
Permanent real estate | |||||||||||||||||||||||||||||
One-to four-family residential | $ | 6,670 | $ | 6,665 | $ | 1,092 | $ | 2,036 | $ | 192 | $ | 193 | |||||||||||||||||
Multifamily residential | 185 | 85 | 25 | 554 | — | — | |||||||||||||||||||||||
Nonresidential | 950 | 683 | 105 | 4,869 | — | 8 | |||||||||||||||||||||||
Land | — | — | — | 1,064 | — | — | |||||||||||||||||||||||
Total | 7,805 | 7,433 | 1,222 | 8,523 | 192 | 201 | |||||||||||||||||||||||
Construction loans | |||||||||||||||||||||||||||||
One-to four-family residential | 3,829 | 2,241 | 677 | 2,984 | — | — | |||||||||||||||||||||||
Multifamily and nonresidential | — | — | — | — | — | — | |||||||||||||||||||||||
Total | 3,829 | 2,241 | 677 | 2,984 | — | — | |||||||||||||||||||||||
Consumer loans | |||||||||||||||||||||||||||||
Home Equity | 2,728 | 2,728 | 365 | 683 | 69 | 72 | |||||||||||||||||||||||
Auto | — | — | — | — | — | — | |||||||||||||||||||||||
Marine | — | — | — | — | — | — | |||||||||||||||||||||||
Recreational vehicle | 756 | 728 | 159 | 182 | 14 | 14 | |||||||||||||||||||||||
Other | — | — | — | — | — | — | |||||||||||||||||||||||
Total | 3,484 | 3,456 | 524 | 865 | 83 | 86 | |||||||||||||||||||||||
Commercial loans | |||||||||||||||||||||||||||||
Secured | — | — | — | 208 | — | — | |||||||||||||||||||||||
Unsecured | — | — | — | — | — | — | |||||||||||||||||||||||
Total | — | — | — | 208 | — | — | |||||||||||||||||||||||
Total | $ | 15,118 | $ | 13,130 | $ | 2,423 | $ | 12,580 | $ | 275 | $ | 287 | |||||||||||||||||
Total | $ | 60,789 | $ | 46,327 | $ | 2,423 | $ | 53,722 | $ | 933 | $ | 1,174 | |||||||||||||||||
The following tables present loans individually evaluated for impairment by class of loans as of and for the nine months ended September 30, 2012: | |||||||||||||||||||||||||||||
Impaired Loans | |||||||||||||||||||||||||||||
(Dollars in thousands) | |||||||||||||||||||||||||||||
Unpaid | Recorded | Allowance | Average | Interest | Cash Basis | ||||||||||||||||||||||||
Principal | Investment | for Loan | Recorded | Income | Income | ||||||||||||||||||||||||
Balance | Losses | Investment | Recognized | Recognized | |||||||||||||||||||||||||
Allocated | |||||||||||||||||||||||||||||
With no specific allowance recorded | |||||||||||||||||||||||||||||
Permanent real estate | |||||||||||||||||||||||||||||
One-to four-family residential | $ | 17,027 | $ | 15,594 | $ | — | $ | 25,431 | $ | 424 | $ | 461 | |||||||||||||||||
Multifamily residential | 610 | 515 | — | 3,363 | — | 9 | |||||||||||||||||||||||
Nonresidential | 11,308 | 11,145 | — | 23,348 | 22 | 62 | |||||||||||||||||||||||
Land | 4,584 | 3,811 | — | 5,789 | — | 3 | |||||||||||||||||||||||
Total | 33,529 | 31,065 | — | 57,931 | 446 | 535 | |||||||||||||||||||||||
Construction loans | |||||||||||||||||||||||||||||
One-to four-family residential | 6,465 | 2,553 | — | 8,289 | 9 | 21 | |||||||||||||||||||||||
Multifamily and nonresidential | 587 | — | — | — | — | — | |||||||||||||||||||||||
Total | 7,052 | 2,553 | — | 8,289 | 9 | 21 | |||||||||||||||||||||||
Consumer loans | |||||||||||||||||||||||||||||
Home Equity | 5,921 | 4,956 | — | 4,365 | 133 | 163 | |||||||||||||||||||||||
Auto | 72 | 52 | — | 56 | — | 4 | |||||||||||||||||||||||
Marine | 170 | 170 | — | 220 | — | 9 | |||||||||||||||||||||||
Recreational vehicle | 912 | 637 | — | 514 | — | 37 | |||||||||||||||||||||||
Other | 7 | 7 | — | 7 | — | 1 | |||||||||||||||||||||||
Total | 7,082 | 5,822 | — | 5,162 | 133 | 214 | |||||||||||||||||||||||
Commercial loans | |||||||||||||||||||||||||||||
Secured | 2,298 | 1,378 | — | 1,948 | 18 | 97 | |||||||||||||||||||||||
Unsecured | 3,066 | 43 | — | 344 | 1 | 12 | |||||||||||||||||||||||
Total | 5,364 | 1,421 | — | 2,292 | 19 | 109 | |||||||||||||||||||||||
Total | $ | 53,027 | $ | 40,861 | $ | — | $ | 73,674 | $ | 607 | $ | 879 | |||||||||||||||||
Impaired Loans | |||||||||||||||||||||||||||||
(Dollars in thousands) | |||||||||||||||||||||||||||||
Unpaid | Recorded | Allowance | Average | Interest | Cash Basis | ||||||||||||||||||||||||
Principal | Investment | for Loan | Recorded | Income | Income | ||||||||||||||||||||||||
Balance | Losses | Investment | Recognized | Recognized | |||||||||||||||||||||||||
Allocated | |||||||||||||||||||||||||||||
With a specific allowance recorded | |||||||||||||||||||||||||||||
Permanent real estate | |||||||||||||||||||||||||||||
One-to four-family residential | $ | — | $ | — | $ | — | $ | 1,489 | $ | — | $ | — | |||||||||||||||||
Multifamily residential | 1,026 | 1,011 | 57 | 2,742 | — | 17 | |||||||||||||||||||||||
Nonresidential | 8,168 | 7,115 | 956 | 25,788 | 55 | 74 | |||||||||||||||||||||||
Land | 4,588 | 2,371 | 268 | 3,226 | — | 12 | |||||||||||||||||||||||
Total | 13,782 | 10,497 | 1,281 | 33,245 | 55 | 103 | |||||||||||||||||||||||
Construction loans | |||||||||||||||||||||||||||||
One-to four-family residential | 21,648 | 7,427 | 664 | 13,032 | 15 | 27 | |||||||||||||||||||||||
Multifamily and nonresidential | — | — | — | — | — | — | |||||||||||||||||||||||
Total | 21,648 | 7,427 | 664 | 13,032 | 15 | 27 | |||||||||||||||||||||||
Consumer loans | |||||||||||||||||||||||||||||
Home Equity | — | — | — | — | — | — | |||||||||||||||||||||||
Auto | — | — | — | — | — | — | |||||||||||||||||||||||
Marine | — | — | — | 121 | — | — | |||||||||||||||||||||||
Recreational vehicle | 88 | 36 | 18 | 36 | — | — | |||||||||||||||||||||||
Other | — | — | — | — | — | — | |||||||||||||||||||||||
Total | 88 | 36 | 18 | 157 | — | — | |||||||||||||||||||||||
Commercial loans | |||||||||||||||||||||||||||||
Secured | 798 | 423 | 166 | 488 | — | 3 | |||||||||||||||||||||||
Unsecured | — | — | — | 19 | — | — | |||||||||||||||||||||||
Total | 798 | 423 | 166 | 507 | — | 3 | |||||||||||||||||||||||
Total | $ | 36,316 | $ | 18,383 | $ | 2,129 | $ | 46,941 | $ | 70 | $ | 133 | |||||||||||||||||
Total | $ | 89,343 | $ | 59,244 | $ | 2,129 | $ | 120,615 | $ | 677 | $ | 1,012 | |||||||||||||||||
The following tables present loans individually evaluated for impairment by class of loans as of and for the three months ended September 30, 2013: | |||||||||||||||||||||||||||||
Impaired Loans | |||||||||||||||||||||||||||||
(Dollars in thousands) | |||||||||||||||||||||||||||||
Average | Interest | Cash Basis | |||||||||||||||||||||||||||
Recorded | Income | Income | |||||||||||||||||||||||||||
Investment | Recognized | Recognized | |||||||||||||||||||||||||||
With no specific allowance recorded | |||||||||||||||||||||||||||||
Permanent real estate | |||||||||||||||||||||||||||||
One-to four-family residential | $ | 14,977 | $ | 128 | $ | 165 | |||||||||||||||||||||||
Multifamily residential | 652 | — | 4 | ||||||||||||||||||||||||||
Nonresidential | 5,270 | 2 | 20 | ||||||||||||||||||||||||||
Land | 487 | — | — | ||||||||||||||||||||||||||
Total | 21,386 | 130 | 189 | ||||||||||||||||||||||||||
Construction loans | |||||||||||||||||||||||||||||
One-to four-family residential | 1,587 | — | — | ||||||||||||||||||||||||||
Multifamily and nonresidential | — | — | — | ||||||||||||||||||||||||||
Total | 1,587 | — | — | ||||||||||||||||||||||||||
Consumer loans | |||||||||||||||||||||||||||||
Home Equity | 9,467 | 109 | 116 | ||||||||||||||||||||||||||
Auto | 39 | — | 1 | ||||||||||||||||||||||||||
Marine | 174 | — | 2 | ||||||||||||||||||||||||||
Recreational vehicle | 677 | 4 | 6 | ||||||||||||||||||||||||||
Other | — | — | — | ||||||||||||||||||||||||||
Total | 10,357 | 113 | 125 | ||||||||||||||||||||||||||
Commercial loans | |||||||||||||||||||||||||||||
Secured | 4,420 | — | 8 | ||||||||||||||||||||||||||
Unsecured | 1 | — | 28 | ||||||||||||||||||||||||||
Total | 4,421 | — | 36 | ||||||||||||||||||||||||||
Total | $ | 37,751 | $ | 243 | $ | 350 | |||||||||||||||||||||||
Impaired Loans | |||||||||||||||||||||||||||||
(Dollars in thousands) | |||||||||||||||||||||||||||||
Average | Interest | Cash Basis | |||||||||||||||||||||||||||
Recorded | Income | Income | |||||||||||||||||||||||||||
Investment | Recognized | Recognized | |||||||||||||||||||||||||||
With a specific allowance recorded | |||||||||||||||||||||||||||||
Permanent real estate | |||||||||||||||||||||||||||||
One-to four-family residential | $ | 3,338 | $ | 98 | $ | 98 | |||||||||||||||||||||||
Multifamily residential | 85 | — | — | ||||||||||||||||||||||||||
Nonresidential | 1,339 | — | 1 | ||||||||||||||||||||||||||
Land | — | — | — | ||||||||||||||||||||||||||
Total | 4,762 | 98 | 99 | ||||||||||||||||||||||||||
Construction loans | |||||||||||||||||||||||||||||
One-to four-family residential | 2,279 | — | — | ||||||||||||||||||||||||||
Multifamily and nonresidential | — | — | — | ||||||||||||||||||||||||||
Total | 2,279 | — | — | ||||||||||||||||||||||||||
Consumer loans | |||||||||||||||||||||||||||||
Home Equity | 1,364 | 38 | 38 | ||||||||||||||||||||||||||
Auto | — | — | — | ||||||||||||||||||||||||||
Marine | — | — | — | ||||||||||||||||||||||||||
Recreational vehicle | 364 | 5 | 5 | ||||||||||||||||||||||||||
Other | — | — | — | ||||||||||||||||||||||||||
Total | 1,728 | 43 | 43 | ||||||||||||||||||||||||||
Commercial loans | |||||||||||||||||||||||||||||
Secured | 102 | — | — | ||||||||||||||||||||||||||
Unsecured | — | — | — | ||||||||||||||||||||||||||
Total | 102 | — | — | ||||||||||||||||||||||||||
Total | $ | 8,871 | $ | 141 | $ | 142 | |||||||||||||||||||||||
Total | $ | 46,622 | $ | 384 | $ | 492 | |||||||||||||||||||||||
The following tables present loans individually evaluated for impairment by class of loans as of and for the three months ended September 30, 2012: | |||||||||||||||||||||||||||||
Impaired Loans | |||||||||||||||||||||||||||||
(Dollars in thousands) | |||||||||||||||||||||||||||||
Average | Interest | Cash Basis | |||||||||||||||||||||||||||
Recorded | Income | Income | |||||||||||||||||||||||||||
Investment | Recognized | Recognized | |||||||||||||||||||||||||||
With no specific allowance recorded | |||||||||||||||||||||||||||||
Permanent real estate | |||||||||||||||||||||||||||||
One-to four-family residential | $ | 22,316 | $ | 194 | $ | 205 | |||||||||||||||||||||||
Multifamily residential | 2,688 | — | 1 | ||||||||||||||||||||||||||
Nonresidential | 17,943 | 9 | 22 | ||||||||||||||||||||||||||
Land | 4,804 | — | — | ||||||||||||||||||||||||||
Total | 47,751 | 203 | 228 | ||||||||||||||||||||||||||
Construction loans | |||||||||||||||||||||||||||||
One-to four-family residential | 5,157 | 3 | 7 | ||||||||||||||||||||||||||
Multifamily and nonresidential | — | — | — | ||||||||||||||||||||||||||
Total | 5,157 | 3 | 7 | ||||||||||||||||||||||||||
Consumer loans | |||||||||||||||||||||||||||||
Home Equity | 4,953 | 50 | 64 | ||||||||||||||||||||||||||
Auto | 55 | — | 1 | ||||||||||||||||||||||||||
Marine | 262 | — | 4 | ||||||||||||||||||||||||||
Recreational vehicle | 648 | — | 16 | ||||||||||||||||||||||||||
Other | 7 | — | — | ||||||||||||||||||||||||||
Total | 5,925 | 50 | 85 | ||||||||||||||||||||||||||
Commercial loans | |||||||||||||||||||||||||||||
Secured | 1,438 | 6 | 28 | ||||||||||||||||||||||||||
Unsecured | 125 | — | 3 | ||||||||||||||||||||||||||
Total | 1,563 | 6 | 31 | ||||||||||||||||||||||||||
Total | $ | 60,396 | $ | 262 | $ | 351 | |||||||||||||||||||||||
Impaired Loans | |||||||||||||||||||||||||||||
(Dollars in thousands) | |||||||||||||||||||||||||||||
Average | Interest | Cash Basis | |||||||||||||||||||||||||||
Recorded | Income | Income | |||||||||||||||||||||||||||
Investment | Recognized | Recognized | |||||||||||||||||||||||||||
With a specific allowance recorded | |||||||||||||||||||||||||||||
Permanent real estate | |||||||||||||||||||||||||||||
One-to four-family residential | $ | 1,802 | $ | — | $ | — | |||||||||||||||||||||||
Multifamily residential | 3,102 | — | — | ||||||||||||||||||||||||||
Nonresidential | 15,467 | 18 | 22 | ||||||||||||||||||||||||||
Land | 2,755 | — | — | ||||||||||||||||||||||||||
Total | 23,126 | 18 | 22 | ||||||||||||||||||||||||||
Construction loans | |||||||||||||||||||||||||||||
One-to four-family residential | 9,913 | 5 | 8 | ||||||||||||||||||||||||||
Multifamily and nonresidential | — | — | — | ||||||||||||||||||||||||||
Total | 9,913 | 5 | 8 | ||||||||||||||||||||||||||
Consumer loans | |||||||||||||||||||||||||||||
Home Equity | — | — | — | ||||||||||||||||||||||||||
Auto | — | — | — | ||||||||||||||||||||||||||
Marine | — | — | — | ||||||||||||||||||||||||||
Recreational vehicle | 36 | — | — | ||||||||||||||||||||||||||
Other | — | — | — | ||||||||||||||||||||||||||
Total | 36 | — | — | ||||||||||||||||||||||||||
Commercial loans | |||||||||||||||||||||||||||||
Secured | 504 | — | — | ||||||||||||||||||||||||||
Unsecured | — | — | — | ||||||||||||||||||||||||||
Total | 504 | — | — | ||||||||||||||||||||||||||
Total | $ | 33,579 | $ | 23 | $ | 30 | |||||||||||||||||||||||
Total | $ | 93,975 | $ | 285 | $ | 381 | |||||||||||||||||||||||
The following tables present loans individually evaluated for impairment by class of loans as of December 31, 2012: | |||||||||||||||||||||||||||||
Impaired Loans | |||||||||||||||||||||||||||||
(Dollars in thousands) | |||||||||||||||||||||||||||||
Unpaid | Recorded | Allowance | |||||||||||||||||||||||||||
Principal | Investment | for Loan | |||||||||||||||||||||||||||
Balance | Losses | ||||||||||||||||||||||||||||
Allocated | |||||||||||||||||||||||||||||
With no specific allowance recorded | |||||||||||||||||||||||||||||
Permanent real estate | |||||||||||||||||||||||||||||
One-to four-family residential | $ | 18,672 | $ | 16,947 | $ | — | |||||||||||||||||||||||
Multifamily residential | 1,173 | 1,078 | — | ||||||||||||||||||||||||||
Nonresidential | 13,240 | 12,638 | — | ||||||||||||||||||||||||||
Land | 4,577 | 3,804 | — | ||||||||||||||||||||||||||
Total | 37,662 | 34,467 | — | ||||||||||||||||||||||||||
Construction loans | |||||||||||||||||||||||||||||
One-to four-family residential | 17,912 | 3,580 | — | ||||||||||||||||||||||||||
Multifamily and nonresidential | 571 | — | — | ||||||||||||||||||||||||||
Total | 18,483 | 3,580 | — | ||||||||||||||||||||||||||
Consumer loans | |||||||||||||||||||||||||||||
Home Equity | 8,867 | 7,958 | — | ||||||||||||||||||||||||||
Auto | 68 | 44 | — | ||||||||||||||||||||||||||
Marine | 190 | 190 | — | ||||||||||||||||||||||||||
Recreational vehicle | 887 | 592 | — | ||||||||||||||||||||||||||
Other | — | — | — | ||||||||||||||||||||||||||
Total | 10,012 | 8,784 | — | ||||||||||||||||||||||||||
Commercial loans | |||||||||||||||||||||||||||||
Secured | 2,122 | 1,212 | — | ||||||||||||||||||||||||||
Unsecured | 2,861 | 38 | — | ||||||||||||||||||||||||||
Total | 4,983 | 1,250 | — | ||||||||||||||||||||||||||
Total | $ | 71,140 | $ | 48,081 | $ | — | |||||||||||||||||||||||
With a specific allowance recorded | |||||||||||||||||||||||||||||
Permanent real estate | |||||||||||||||||||||||||||||
One-to four-family residential | $ | 735 | $ | 735 | $ | 260 | |||||||||||||||||||||||
Multifamily residential | 996 | 981 | 57 | ||||||||||||||||||||||||||
Nonresidential | 5,218 | 4,703 | 1,336 | ||||||||||||||||||||||||||
Land | 3,913 | 2,127 | 727 | ||||||||||||||||||||||||||
Total | 10,862 | 8,546 | 2,380 | ||||||||||||||||||||||||||
Construction loans | |||||||||||||||||||||||||||||
One-to four-family residential | 6,455 | 3,967 | 478 | ||||||||||||||||||||||||||
Multifamily and nonresidential | — | — | — | ||||||||||||||||||||||||||
Total | 6,455 | 3,967 | 478 | ||||||||||||||||||||||||||
Consumer loans | |||||||||||||||||||||||||||||
Home Equity | — | — | — | ||||||||||||||||||||||||||
Auto | — | — | — | ||||||||||||||||||||||||||
Marine | — | — | — | ||||||||||||||||||||||||||
Recreational vehicle | — | — | — | ||||||||||||||||||||||||||
Other | — | — | — | ||||||||||||||||||||||||||
Total | — | — | — | ||||||||||||||||||||||||||
Commercial loans | |||||||||||||||||||||||||||||
Secured | 798 | 423 | 166 | ||||||||||||||||||||||||||
Unsecured | — | — | — | ||||||||||||||||||||||||||
Total | 798 | 423 | 166 | ||||||||||||||||||||||||||
Total | 18,115 | 12,936 | 3,024 | ||||||||||||||||||||||||||
Total | $ | 89,255 | $ | 61,017 | $ | 3,024 | |||||||||||||||||||||||
Presentation of Recorded Investment in Nonaccrual Loans and Loans Past Due Over 90 Days and Still on Accrual by Class of Loans | ' | ||||||||||||||||||||||||||||
The following table presents the recorded investment in nonaccrual and loans past due over 90 days and still on accrual by class of loans as of September 30, 2013: | |||||||||||||||||||||||||||||
Nonaccrual Loans and Loans Past Due Over 90 Days and Still Accruing | |||||||||||||||||||||||||||||
As of September 30, 2013 | |||||||||||||||||||||||||||||
(Dollars in thousands) | |||||||||||||||||||||||||||||
Nonaccrual | Loans past due | ||||||||||||||||||||||||||||
over 90 days | |||||||||||||||||||||||||||||
and still | |||||||||||||||||||||||||||||
accruing | |||||||||||||||||||||||||||||
Real Estate Loans | |||||||||||||||||||||||||||||
Permanent | |||||||||||||||||||||||||||||
One-to four-family residential | $ | 6,127 | $ | — | |||||||||||||||||||||||||
Multifamily residential | 705 | — | |||||||||||||||||||||||||||
Nonresidential | 5,839 | 3,125 | |||||||||||||||||||||||||||
Land | 628 | — | |||||||||||||||||||||||||||
Total | 13,299 | 3,125 | |||||||||||||||||||||||||||
Construction Loans | |||||||||||||||||||||||||||||
One-to four-family residential | 3,320 | — | |||||||||||||||||||||||||||
Multifamily and nonresidential | — | — | |||||||||||||||||||||||||||
Total | 3,320 | — | |||||||||||||||||||||||||||
Consumer Loans | |||||||||||||||||||||||||||||
Home Equity | 3,134 | — | |||||||||||||||||||||||||||
Auto | 100 | — | |||||||||||||||||||||||||||
Marine | 140 | — | |||||||||||||||||||||||||||
Recreational vehicle | 184 | — | |||||||||||||||||||||||||||
Other | 5 | — | |||||||||||||||||||||||||||
Total | 3,563 | — | |||||||||||||||||||||||||||
Commercial Loans | |||||||||||||||||||||||||||||
Secured | 4,036 | — | |||||||||||||||||||||||||||
Unsecured | 141 | — | |||||||||||||||||||||||||||
Total | 4,177 | — | |||||||||||||||||||||||||||
Total | $ | 24,359 | $ | 3,125 | |||||||||||||||||||||||||
The following table presents the recorded investment in nonaccrual and loans past due over 90 days and still on accrual by class of loans as of December 31, 2012: | |||||||||||||||||||||||||||||
Nonaccrual Loans and Loans Past Due Over 90 Days and Still Accruing | |||||||||||||||||||||||||||||
As of December 31, 2012 | |||||||||||||||||||||||||||||
(Dollars in thousands) | |||||||||||||||||||||||||||||
Nonaccrual | Loans past due | ||||||||||||||||||||||||||||
over 90 days | |||||||||||||||||||||||||||||
and still | |||||||||||||||||||||||||||||
accruing | |||||||||||||||||||||||||||||
Real Estate Loans | |||||||||||||||||||||||||||||
Permanent | |||||||||||||||||||||||||||||
One-to four-family residential | $ | 5,437 | $ | — | |||||||||||||||||||||||||
Multifamily residential | 2,027 | — | |||||||||||||||||||||||||||
Nonresidential | 17,065 | 3,678 | |||||||||||||||||||||||||||
Land | 6,047 | — | |||||||||||||||||||||||||||
Total | 30,576 | 3,678 | |||||||||||||||||||||||||||
Construction Loans | |||||||||||||||||||||||||||||
One-to four-family residential | 7,466 | — | |||||||||||||||||||||||||||
Multifamily and nonresidential | — | — | |||||||||||||||||||||||||||
Total | 7,466 | — | |||||||||||||||||||||||||||
Consumer Loans | |||||||||||||||||||||||||||||
Home Equity | 3,298 | — | |||||||||||||||||||||||||||
Auto | 105 | — | |||||||||||||||||||||||||||
Marine | 176 | — | |||||||||||||||||||||||||||
Recreational vehicle | 1,259 | — | |||||||||||||||||||||||||||
Other | 4 | — | |||||||||||||||||||||||||||
Total | 4,842 | — | |||||||||||||||||||||||||||
Commercial Loans | |||||||||||||||||||||||||||||
Secured | 1,194 | — | |||||||||||||||||||||||||||
Unsecured | 31 | — | |||||||||||||||||||||||||||
Total | 1,225 | — | |||||||||||||||||||||||||||
Total | $ | 44,109 | $ | 3,678 | |||||||||||||||||||||||||
Presentation of Age Analysis of Past-Due Loans, Segregated by Class of Loans | ' | ||||||||||||||||||||||||||||
The following table presents an age analysis of past-due loans, segregated by class of loans as of September 30, 2013: | |||||||||||||||||||||||||||||
Past Due Loans | |||||||||||||||||||||||||||||
(Dollars in thousands) | |||||||||||||||||||||||||||||
30-59 | 60-89 | Greater | Total Past | Current | Total Loans | ||||||||||||||||||||||||
Days Past | Days Past | than 90 | Due | Loans | |||||||||||||||||||||||||
Due | Due | Days Past | |||||||||||||||||||||||||||
Due | |||||||||||||||||||||||||||||
Real Estate Loans | |||||||||||||||||||||||||||||
Permanent | |||||||||||||||||||||||||||||
One-to four-family residential | $ | 1,292 | $ | 405 | $ | 4,471 | $ | 6,168 | $ | 569,623 | $ | 575,791 | |||||||||||||||||
Multifamily residential | 112 | — | 240 | 352 | 55,344 | 55,696 | |||||||||||||||||||||||
Nonresidential | 133 | 18 | 8,826 | 8,977 | 118,722 | 127,699 | |||||||||||||||||||||||
Land | — | 44 | 627 | 671 | 8,875 | 9,546 | |||||||||||||||||||||||
Total | 1,537 | 467 | 14,164 | 16,168 | 752,564 | 768,732 | |||||||||||||||||||||||
Construction Loans | |||||||||||||||||||||||||||||
One-to four-family residential | — | 49 | 3,320 | 3,369 | 30,411 | 33,780 | |||||||||||||||||||||||
Multifamily and nonresidential | — | — | — | — | 5,152 | 5,152 | |||||||||||||||||||||||
Total | — | 49 | 3,320 | 3,369 | 35,563 | 38,932 | |||||||||||||||||||||||
Consumer Loans | |||||||||||||||||||||||||||||
Home Equity | 517 | 427 | 2,587 | 3,531 | 160,335 | 163,866 | |||||||||||||||||||||||
Auto | 16 | — | 53 | 69 | 5,874 | 5,943 | |||||||||||||||||||||||
Marine | — | 41 | — | 41 | 4,391 | 4,432 | |||||||||||||||||||||||
Recreational vehicle | 342 | 129 | 76 | 547 | 17,392 | 17,939 | |||||||||||||||||||||||
Other | 22 | 1 | 2 | 25 | 2,178 | 2,203 | |||||||||||||||||||||||
Total | 897 | 598 | 2,718 | 4,213 | 190,170 | 194,383 | |||||||||||||||||||||||
Commercial Loans | |||||||||||||||||||||||||||||
Secured | — | — | 4,016 | 4,016 | 22,097 | 26,113 | |||||||||||||||||||||||
Unsecured | — | — | 141 | 141 | 634 | 775 | |||||||||||||||||||||||
Total | — | — | 4,157 | 4,157 | 22,731 | 26,888 | |||||||||||||||||||||||
Total | $ | 2,434 | $ | 1,114 | $ | 24,359 | $ | 27,907 | $ | 1,001,028 | $ | 1,028,935 | |||||||||||||||||
The following table presents an age analysis of past-due loans, segregated by class of loans as of December 31, 2012: | |||||||||||||||||||||||||||||
Past Due Loans | |||||||||||||||||||||||||||||
(Dollars in thousands) | |||||||||||||||||||||||||||||
30-59 | 60-89 | Greater | Total Past | Current | Total Loans | ||||||||||||||||||||||||
Days | Days | than 90 | Due | Loans | |||||||||||||||||||||||||
Past Due | Past Due | Days Past | |||||||||||||||||||||||||||
Due | |||||||||||||||||||||||||||||
Real Estate Loans | |||||||||||||||||||||||||||||
Permanent | |||||||||||||||||||||||||||||
One-to four-family residential | $ | 1,995 | $ | 784 | $ | 4,495 | $ | 7,274 | $ | 569,975 | $ | 577,249 | |||||||||||||||||
Multifamily residential | 158 | — | 1,630 | 1,788 | 79,135 | 80,923 | |||||||||||||||||||||||
Nonresidential | — | 176 | 19,942 | 20,118 | 118,070 | 138,188 | |||||||||||||||||||||||
Land | 83 | — | 6,044 | 6,127 | 9,681 | 15,808 | |||||||||||||||||||||||
Total | 2,236 | 960 | 32,111 | 35,307 | 776,861 | 812,168 | |||||||||||||||||||||||
Construction Loans | |||||||||||||||||||||||||||||
One-to four-family residential | 54 | — | 7,398 | 7,452 | 20,866 | 28,318 | |||||||||||||||||||||||
Multifamily and nonresidential | — | — | — | — | 4,534 | 4,534 | |||||||||||||||||||||||
Total | 54 | — | 7,398 | 7,452 | 25,400 | 32,852 | |||||||||||||||||||||||
Consumer Loans | |||||||||||||||||||||||||||||
Home Equity | 1,135 | 475 | 2,071 | 3,681 | 173,549 | 177,230 | |||||||||||||||||||||||
Auto | 35 | 7 | 83 | 125 | 7,523 | 7,648 | |||||||||||||||||||||||
Marine | — | — | 8 | 8 | 4,934 | 4,942 | |||||||||||||||||||||||
Recreational vehicle | 447 | 32 | 353 | 832 | 21,418 | 22,250 | |||||||||||||||||||||||
Other | — | 1 | 3 | 4 | 2,519 | 2,523 | |||||||||||||||||||||||
Total | 1,617 | 515 | 2,518 | 4,650 | 209,943 | 214,593 | |||||||||||||||||||||||
Commercial Loans | |||||||||||||||||||||||||||||
Secured | 16 | — | 23 | 39 | 24,204 | 24,243 | |||||||||||||||||||||||
Unsecured | — | 728 | 6 | 734 | 1,566 | 2,300 | |||||||||||||||||||||||
Total | 16 | 728 | 29 | 773 | 25,770 | 26,543 | |||||||||||||||||||||||
Total | $ | 3,923 | $ | 2,203 | $ | 42,056 | $ | 48,182 | $ | 1,037,974 | $ | 1,086,156 | |||||||||||||||||
Loans by Class Modified as Troubled Debt Restructuring | ' | ||||||||||||||||||||||||||||
The following table presents loans by class modified as troubled debt restructurings that occurred during the three months ended September 30, 2013: | |||||||||||||||||||||||||||||
Number | Pre- | Post- | |||||||||||||||||||||||||||
of loans | Modification | Modification | |||||||||||||||||||||||||||
Outstanding | Recorded | ||||||||||||||||||||||||||||
Recorded | Investment | ||||||||||||||||||||||||||||
Investment | |||||||||||||||||||||||||||||
(Dollars in thousands) | |||||||||||||||||||||||||||||
Real Estate Loans | |||||||||||||||||||||||||||||
Permanent | |||||||||||||||||||||||||||||
One-to four-family | 14 | $ | 1,316 | $ | 1,363 | ||||||||||||||||||||||||
Multifamily residential | — | — | — | ||||||||||||||||||||||||||
Nonresidential | — | — | — | ||||||||||||||||||||||||||
Land | — | — | — | ||||||||||||||||||||||||||
Total | 14 | 1,316 | 1,363 | ||||||||||||||||||||||||||
Construction Loans | |||||||||||||||||||||||||||||
One-to four-family residential | — | — | — | ||||||||||||||||||||||||||
Multifamily and nonresidential | — | — | — | ||||||||||||||||||||||||||
Total | — | — | — | ||||||||||||||||||||||||||
Consumer Loans | |||||||||||||||||||||||||||||
Home Equity | 31 | 1,437 | 1,349 | ||||||||||||||||||||||||||
Auto | — | — | — | ||||||||||||||||||||||||||
Marine | — | — | — | ||||||||||||||||||||||||||
Recreational vehicle | — | — | — | ||||||||||||||||||||||||||
Other | — | — | — | ||||||||||||||||||||||||||
Total | 31 | 1,437 | 1,349 | ||||||||||||||||||||||||||
Commercial Loans | |||||||||||||||||||||||||||||
Secured | — | — | — | ||||||||||||||||||||||||||
Unsecured | — | — | — | ||||||||||||||||||||||||||
Total | — | — | — | ||||||||||||||||||||||||||
Total Restructured Loans | 45 | $ | 2,753 | $ | 2,712 | ||||||||||||||||||||||||
The following table presents loans by class modified as troubled debt restructurings that occurred during the nine months ended September 30, 2013: | |||||||||||||||||||||||||||||
Number | Pre-Modification | Post- | |||||||||||||||||||||||||||
of loans | Outstanding | Modification | |||||||||||||||||||||||||||
Recorded | Recorded | ||||||||||||||||||||||||||||
Investment | Investment | ||||||||||||||||||||||||||||
(Dollars in thousands) | |||||||||||||||||||||||||||||
Real Estate Loans | |||||||||||||||||||||||||||||
Permanent | |||||||||||||||||||||||||||||
One-to four-family | 36 | $ | 3,158 | $ | 2,969 | ||||||||||||||||||||||||
Multifamily residential | 1 | 469 | 469 | ||||||||||||||||||||||||||
Nonresidential | 1 | 41 | 41 | ||||||||||||||||||||||||||
Land | 2 | 2,127 | 487 | ||||||||||||||||||||||||||
Total | 40 | 5,795 | 3,966 | ||||||||||||||||||||||||||
Construction Loans | |||||||||||||||||||||||||||||
One-to four-family residential | 1 | 942 | 823 | ||||||||||||||||||||||||||
Multifamily and nonresidential | — | — | — | ||||||||||||||||||||||||||
Total | 1 | 942 | 823 | ||||||||||||||||||||||||||
Consumer Loans | |||||||||||||||||||||||||||||
Home Equity | 94 | 3,963 | 3,886 | ||||||||||||||||||||||||||
Auto | — | — | — | ||||||||||||||||||||||||||
Marine | — | — | — | ||||||||||||||||||||||||||
Recreational vehicle | 4 | 791 | 804 | ||||||||||||||||||||||||||
Other | — | — | — | ||||||||||||||||||||||||||
Total | 98 | 4,754 | 4,690 | ||||||||||||||||||||||||||
Commercial Loans | |||||||||||||||||||||||||||||
Secured | — | — | — | ||||||||||||||||||||||||||
Unsecured | — | — | — | ||||||||||||||||||||||||||
Total | — | — | — | ||||||||||||||||||||||||||
Total Restructured Loans | 139 | $ | 11,491 | $ | 9,479 | ||||||||||||||||||||||||
The following table presents loans by class modified as troubled debt restructurings that occurred during the three months ended September 30, 2012: | |||||||||||||||||||||||||||||
Number | Pre-Modification | Post- | |||||||||||||||||||||||||||
of loans | Outstanding | Modification | |||||||||||||||||||||||||||
Recorded | Recorded | ||||||||||||||||||||||||||||
Investment | Investment | ||||||||||||||||||||||||||||
Real Estate Loans | |||||||||||||||||||||||||||||
Permanent | |||||||||||||||||||||||||||||
One-to four-family | 17 | $ | 537 | $ | 537 | ||||||||||||||||||||||||
Multifamily residential | — | — | — | ||||||||||||||||||||||||||
Nonresidential | — | — | — | ||||||||||||||||||||||||||
Land | — | — | — | ||||||||||||||||||||||||||
Total | 17 | 537 | 537 | ||||||||||||||||||||||||||
Construction Loans | |||||||||||||||||||||||||||||
One-to four-family residential | — | — | — | ||||||||||||||||||||||||||
Multifamily and nonresidential | — | — | — | ||||||||||||||||||||||||||
Total | — | — | — | ||||||||||||||||||||||||||
Consumer Loans | |||||||||||||||||||||||||||||
Home Equity | 19 | 2,711 | 2,792 | ||||||||||||||||||||||||||
Auto | — | — | — | ||||||||||||||||||||||||||
Marine | — | — | — | ||||||||||||||||||||||||||
Recreational vehicle | — | — | — | ||||||||||||||||||||||||||
Other | — | — | — | ||||||||||||||||||||||||||
Total | 19 | 2,711 | 2,792 | ||||||||||||||||||||||||||
Commercial Loans | |||||||||||||||||||||||||||||
Secured | — | — | — | ||||||||||||||||||||||||||
Unsecured | — | — | — | ||||||||||||||||||||||||||
Total | — | — | — | ||||||||||||||||||||||||||
Total Restructured Loans | 36 | $ | 3,248 | $ | 3,329 | ||||||||||||||||||||||||
The following table presents loans by class modified as troubled debt restructurings that occurred during the nine months ended September 30, 2012: | |||||||||||||||||||||||||||||
Number | Pre-Modification | Post- | |||||||||||||||||||||||||||
of loans | Outstanding | Modification | |||||||||||||||||||||||||||
Recorded | Recorded | ||||||||||||||||||||||||||||
Investment | Investment | ||||||||||||||||||||||||||||
Real Estate Loans | |||||||||||||||||||||||||||||
Permanent | |||||||||||||||||||||||||||||
One-to four-family | 38 | $ | 2,843 | $ | 2,801 | ||||||||||||||||||||||||
Multifamily residential | 6 | 1,439 | 1,438 | ||||||||||||||||||||||||||
Nonresidential | 1 | 424 | 424 | ||||||||||||||||||||||||||
Land | — | — | — | ||||||||||||||||||||||||||
Total | 45 | 4,706 | 4,663 | ||||||||||||||||||||||||||
Construction Loans | |||||||||||||||||||||||||||||
One-to four-family residential | 3 | 853 | 830 | ||||||||||||||||||||||||||
Multifamily and nonresidential | — | — | — | ||||||||||||||||||||||||||
Total | 3 | 853 | 830 | ||||||||||||||||||||||||||
Consumer Loans | |||||||||||||||||||||||||||||
Home Equity | 61 | 4,494 | 4,544 | ||||||||||||||||||||||||||
Auto | — | — | — | ||||||||||||||||||||||||||
Marine | — | — | — | ||||||||||||||||||||||||||
Recreational vehicle | — | — | — | ||||||||||||||||||||||||||
Other | — | — | — | ||||||||||||||||||||||||||
Total | 61 | 4,494 | 4,544 | ||||||||||||||||||||||||||
Commercial Loans | |||||||||||||||||||||||||||||
Secured | — | — | — | ||||||||||||||||||||||||||
Unsecured | 1 | 446 | 446 | ||||||||||||||||||||||||||
Total | 1 | 446 | 446 | ||||||||||||||||||||||||||
Total Restructured Loans | 110 | $ | 10,499 | $ | 10,483 | ||||||||||||||||||||||||
Loans by Class Modified as Troubled Debt Restructurings with Payment Default | ' | ||||||||||||||||||||||||||||
The following table presents loans by class modified as troubled debt restructurings for which there was a payment default within a twelve months cycle following the modification as of September 30, 2013: | |||||||||||||||||||||||||||||
Number of | Recorded | ||||||||||||||||||||||||||||
loans | Investment | ||||||||||||||||||||||||||||
(Dollars in thousands) | |||||||||||||||||||||||||||||
Real Estate Loans | |||||||||||||||||||||||||||||
Permanent | |||||||||||||||||||||||||||||
One-to four-family | 8 | $ | 861 | ||||||||||||||||||||||||||
Multifamily residential | 1 | 467 | |||||||||||||||||||||||||||
Nonresidential | — | — | |||||||||||||||||||||||||||
Land | 2 | 487 | |||||||||||||||||||||||||||
Total | 11 | 1,815 | |||||||||||||||||||||||||||
Construction Loans | |||||||||||||||||||||||||||||
One-to four-family residential | 1 | 823 | |||||||||||||||||||||||||||
Multifamily and nonresidential | — | — | |||||||||||||||||||||||||||
Total | 1 | 823 | |||||||||||||||||||||||||||
Consumer Loans | |||||||||||||||||||||||||||||
Home Equity | 8 | 250 | |||||||||||||||||||||||||||
Auto | — | — | |||||||||||||||||||||||||||
Marine | — | — | |||||||||||||||||||||||||||
Recreational vehicle | 2 | 187 | |||||||||||||||||||||||||||
Other | — | — | |||||||||||||||||||||||||||
Total | 10 | 437 | |||||||||||||||||||||||||||
Commercial Loans | |||||||||||||||||||||||||||||
Secured | — | — | |||||||||||||||||||||||||||
Unsecured | — | — | |||||||||||||||||||||||||||
Total | — | — | |||||||||||||||||||||||||||
Total Restructured Loans | 22 | $ | 3,075 | ||||||||||||||||||||||||||
The following table presents loans by class modified as troubled debt restructurings for which there was a payment default within a twelve months cycle following the modification as of December 31, 2012: | |||||||||||||||||||||||||||||
Number of loans | Recorded Investment | ||||||||||||||||||||||||||||
(Dollars in thousands) | |||||||||||||||||||||||||||||
Real Estate Loans | |||||||||||||||||||||||||||||
Permanent | |||||||||||||||||||||||||||||
One-to four-family | 9 | $ | 851 | ||||||||||||||||||||||||||
Multifamily residential | — | — | |||||||||||||||||||||||||||
Nonresidential | — | — | |||||||||||||||||||||||||||
Land | — | — | |||||||||||||||||||||||||||
Total | 9 | 851 | |||||||||||||||||||||||||||
Construction Loans | |||||||||||||||||||||||||||||
One-to four-family residential | — | — | |||||||||||||||||||||||||||
Multifamily and nonresidential | — | — | |||||||||||||||||||||||||||
Total | — | — | |||||||||||||||||||||||||||
Consumer Loans | |||||||||||||||||||||||||||||
Home Equity | 2 | 77 | |||||||||||||||||||||||||||
Auto | — | — | |||||||||||||||||||||||||||
Marine | — | — | |||||||||||||||||||||||||||
Recreational vehicle | — | — | |||||||||||||||||||||||||||
Other | — | — | |||||||||||||||||||||||||||
Total | 2 | 77 | |||||||||||||||||||||||||||
Commercial Loans | |||||||||||||||||||||||||||||
Secured | — | — | |||||||||||||||||||||||||||
Unsecured | — | — | |||||||||||||||||||||||||||
Total | — | — | |||||||||||||||||||||||||||
Total Restructured Loans | 11 | $ | 928 | ||||||||||||||||||||||||||
Risk Category of Loans by Class of Loans | ' | ||||||||||||||||||||||||||||
As of September 30, 2013 and December 31, 2012, and based on the most recent analysis performed, the risk category of loans by class of loans is as follows: | |||||||||||||||||||||||||||||
Loans | |||||||||||||||||||||||||||||
September 30, 2013 | |||||||||||||||||||||||||||||
(Dollars in thousands) | |||||||||||||||||||||||||||||
Unclassified | Classified | ||||||||||||||||||||||||||||
Unclassified | Special | Substandard | Doubtful | Loss | Total | Total Loans | |||||||||||||||||||||||
Mention | Classified | ||||||||||||||||||||||||||||
Real Estate Loans | |||||||||||||||||||||||||||||
Permanent | |||||||||||||||||||||||||||||
One-to four-family residential | $ | 566,765 | $ | 1,166 | $ | 7,860 | $ | — | $ | — | $ | 7,860 | $ | 575,791 | |||||||||||||||
Multifamily residential | 49,860 | 2,989 | 2,847 | — | — | 2,847 | 55,696 | ||||||||||||||||||||||
Nonresidential | 86,074 | 11,302 | 30,323 | — | — | 30,323 | 127,699 | ||||||||||||||||||||||
Land | 8,905 | 154 | 487 | — | — | 487 | 9,546 | ||||||||||||||||||||||
Total | 711,604 | 15,611 | 41,517 | — | — | 41,517 | 768,732 | ||||||||||||||||||||||
Construction Loans | |||||||||||||||||||||||||||||
One-to four-family residential | 30,310 | 137 | 3,333 | — | — | 3,333 | 33,780 | ||||||||||||||||||||||
Multifamily and nonresidential | 5,152 | — | — | — | — | — | 5,152 | ||||||||||||||||||||||
Total | 35,462 | 137 | 3,333 | — | — | 3,333 | 38,932 | ||||||||||||||||||||||
Consumer Loans | |||||||||||||||||||||||||||||
Home Equity | 160,501 | — | 3,365 | — | — | 3,365 | 163,866 | ||||||||||||||||||||||
Auto | 5,792 | 46 | 105 | — | — | 105 | 5,943 | ||||||||||||||||||||||
Marine | 4,265 | 5 | 162 | — | — | 162 | 4,432 | ||||||||||||||||||||||
Recreational vehicle | 17,741 | — | 198 | — | — | 198 | 17,939 | ||||||||||||||||||||||
Other | 2,198 | — | 5 | — | — | 5 | 2,203 | ||||||||||||||||||||||
Total | 190,497 | 51 | 3,835 | — | — | 3,835 | 194,383 | ||||||||||||||||||||||
Commercial Loans | |||||||||||||||||||||||||||||
Secured | 19,682 | 194 | 6,237 | — | — | 6,237 | 26,113 | ||||||||||||||||||||||
Unsecured | 294 | 41 | 440 | — | — | 440 | 775 | ||||||||||||||||||||||
Total | 19,976 | 235 | 6,677 | — | — | 6,677 | 26,888 | ||||||||||||||||||||||
Total | $ | 957,539 | $ | 16,034 | $ | 55,362 | $ | — | $ | — | $ | 55,362 | $ | 1,028,935 | |||||||||||||||
Loans | |||||||||||||||||||||||||||||
December 31, 2012 | |||||||||||||||||||||||||||||
(Dollars in thousands) | |||||||||||||||||||||||||||||
Unclassified | Classified | ||||||||||||||||||||||||||||
Unclassified | Special | Substandard | Doubtful | Loss | Total | Total Loans | |||||||||||||||||||||||
Mention | Classified | ||||||||||||||||||||||||||||
Real Estate Loans | |||||||||||||||||||||||||||||
Permanent | |||||||||||||||||||||||||||||
One-to four-family residential | $ | 569,204 | $ | 459 | $ | 7,586 | $ | — | $ | — | $ | 7,586 | $ | 577,249 | |||||||||||||||
Multifamily | |||||||||||||||||||||||||||||
Residential | 69,060 | 8,409 | 3,454 | — | — | 3,454 | 80,923 | ||||||||||||||||||||||
Nonresidential | 99,275 | 12,234 | 26,679 | — | — | 26,679 | 138,188 | ||||||||||||||||||||||
Land | 9,596 | 280 | 5,932 | — | — | 5,932 | 15,808 | ||||||||||||||||||||||
Total | 747,135 | 21,382 | 43,651 | — | — | 43,651 | 812,168 | ||||||||||||||||||||||
Construction Loans | |||||||||||||||||||||||||||||
One-to four-family Residential | 20,577 | 196 | 7,545 | — | — | 7,545 | 28,318 | ||||||||||||||||||||||
Multifamily and Nonresidential | 4,534 | — | — | — | — | — | 4,534 | ||||||||||||||||||||||
Total | 25,111 | 196 | 7,545 | — | — | 7,545 | 32,852 | ||||||||||||||||||||||
Consumer Loans | |||||||||||||||||||||||||||||
Home Equity | 173,696 | — | 3,534 | — | — | 3,534 | 177,230 | ||||||||||||||||||||||
Auto | 7,453 | 82 | 113 | — | — | 113 | 7,648 | ||||||||||||||||||||||
Marine | 4,745 | 7 | 190 | — | — | 190 | 4,942 | ||||||||||||||||||||||
Recreational vehicle | 20,859 | — | 1,391 | — | — | 1,391 | 22,250 | ||||||||||||||||||||||
Other | 2,507 | — | 16 | — | — | 16 | 2,523 | ||||||||||||||||||||||
Total | 209,260 | 89 | 5,244 | — | — | 5,244 | 214,593 | ||||||||||||||||||||||
Commercial Loans | |||||||||||||||||||||||||||||
Secured | 20,843 | 769 | 2,631 | — | — | 2,631 | 24,243 | ||||||||||||||||||||||
Unsecured | 1,481 | 11 | 808 | — | — | 808 | 2,300 | ||||||||||||||||||||||
Total | 22,324 | 780 | 3,439 | — | — | 3,439 | 26,543 | ||||||||||||||||||||||
Total | $ | 1,003,830 | $ | 22,447 | $ | 59,879 | $ | — | $ | — | $ | 59,879 | $ | 1,086,156 |
Mortgage_Banking_Activities_Ta
Mortgage Banking Activities (Tables) | 9 Months Ended | ||||||||
Sep. 30, 2013 | |||||||||
Text Block [Abstract] | ' | ||||||||
Principal Balance of Mortgage Servicing Rights | ' | ||||||||
Mortgage loans serviced for others are not reported as assets. The principal balances of these loans are as follows: | |||||||||
September 30, 2013 | December 31, 2012 | ||||||||
Mortgage loan portfolios serviced for: | |||||||||
FHLMC | $ | 830,295 | $ | 817,108 | |||||
FNMA | 291,015 | 316,142 | |||||||
Capitalized Mortgage Servicing Rights | ' | ||||||||
Activity for capitalized mortgage servicing rights, included in other assets, was as follows: | |||||||||
Nine Months Ended | Nine Months Ended | ||||||||
September 30, 2013 | September 30, 2012 | ||||||||
(Dollars in thousands) | |||||||||
Balance, beginning of year | $ | 5,506 | $ | 6,375 | |||||
Originations | 2,228 | 1,738 | |||||||
Amortized to expense | (1,712 | ) | (1,923 | ) | |||||
Balance, end of period | 6,022 | 6,190 | |||||||
Less valuation allowance | (4 | ) | (2,016 | ) | |||||
Net balance | $ | 6,018 | $ | 4,174 | |||||
Valuation Allowance for Mortgage Servicing Rights | ' | ||||||||
Activity in the valuation allowance for mortgage servicing rights was as follows: | |||||||||
Nine Months Ended | Nine Months Ended | ||||||||
September 30, 2013 | September 30, 2012 | ||||||||
(Dollars in thousands) | |||||||||
Balance, beginning of year | $ | (680 | ) | $ | (1,785 | ) | |||
Impairment charges | — | (1,179 | ) | ||||||
Recoveries | 676 | 948 | |||||||
Balance, end of period | $ | (4 | ) | $ | (2,016 | ) | |||
Key Economic Assumptions in Measuring Value of Mortgage Servicing Rights | ' | ||||||||
Key economic assumptions in measuring the value of mortgage servicing rights at September 30, 2013, and December 31, 2012, were as follows: | |||||||||
September 30, 2013 | December 31, 2012 | ||||||||
Weighted average prepayment rate | 232 PSA | 401 PSA | |||||||
Weighted average life (in years) | 3.99 | 3.93 | |||||||
Weighted average discount rate | 8 | % | 8 | % |
Other_Real_Estate_Owned_and_Ot1
Other Real Estate Owned and Other Repossessed Assets (Tables) | 9 Months Ended | ||||||||
Sep. 30, 2013 | |||||||||
Text Block [Abstract] | ' | ||||||||
Real Estate Owned and Other Repossessed Assets | ' | ||||||||
Real estate owned and other repossessed assets at September 30, 2013 and December 31, 2012 were as follows: | |||||||||
September 30, | December 31, | ||||||||
2013 | 2012 | ||||||||
(Dollars in thousands) | |||||||||
Real estate owned and other repossessed assets | $ | 15,989 | $ | 25,236 | |||||
Valuation allowance | (6,674 | ) | (6,796 | ) | |||||
End of period | $ | 9,315 | $ | 18,440 | |||||
Valuation Allowance Related to Real Estate Owned | ' | ||||||||
Activity in the valuation allowance was as follows: | |||||||||
September 30, | September 30, | ||||||||
2013 | 2012 | ||||||||
(Dollars in thousands) | |||||||||
Beginning of year | $ | 6,796 | $ | 8,764 | |||||
Additions charged to expense | 1,801 | 1,805 | |||||||
Direct write-downs | (1,923 | ) | (3,690 | ) | |||||
End of period | $ | 6,674 | $ | 6,879 | |||||
Expenses Related to Foreclosed and Repossessed Assets | ' | ||||||||
Expenses related to foreclosed and repossessed assets include: | |||||||||
Three Months Ended | Three Months Ended | ||||||||
September 30, | September 30, | ||||||||
2013 | 2012 | ||||||||
(Dollars in thousands) | |||||||||
Net loss on sales | $ | (69 | ) | $ | 210 | ||||
Net loss on sales from bulk asset transaction | — | 413 | |||||||
Provision for unrealized losses, net | 464 | 1,172 | |||||||
Operating expenses, net of rental income | 354 | 383 | |||||||
Total expenses | $ | 749 | $ | 2,178 | |||||
Nine Months Ended | Nine Months Ended | ||||||||
September 30, | September 30, | ||||||||
2013 | 2012 | ||||||||
(Dollars in thousands) | |||||||||
Net loss on sales | $ | 165 | $ | 1,229 | |||||
Net loss on sales from bulk asset transaction | — | 413 | |||||||
Provision for unrealized losses, net | 1,801 | 1,805 | |||||||
Operating expenses, net of rental income | 1,140 | 1,504 | |||||||
Total expenses | $ | 3,106 | $ | 4,951 | |||||
Other_Postretirement_Benefit_P1
Other Postretirement Benefit Plans (Tables) | 9 Months Ended | ||||||||||||||||
Sep. 30, 2013 | |||||||||||||||||
Compensation And Retirement Disclosure [Abstract] | ' | ||||||||||||||||
Components of Net Periodic Benefit Cost | ' | ||||||||||||||||
Components of net periodic benefit cost are as follows: | |||||||||||||||||
Three Months Ended | Nine Months Ended | ||||||||||||||||
September 30, | September 30, | ||||||||||||||||
2013 | 2012 | 2013 | 2012 | ||||||||||||||
(Dollars in thousands) | |||||||||||||||||
Service cost | $ | — | $ | — | $ | — | $ | — | |||||||||
Interest cost | 13 | 19 | 39 | 57 | |||||||||||||
Expected return on plan assets | — | — | — | — | |||||||||||||
Net amortization of prior service cost | (19 | ) | (20 | ) | (57 | ) | (59 | ) | |||||||||
Recognized net actuarial gain | (28 | ) | (23 | ) | (84 | ) | (69 | ) | |||||||||
Net periodic benefit cost/(gain) | $ | (34 | ) | $ | (24 | ) | $ | (102 | ) | $ | (71 | ) | |||||
Assumptions used in the valuations were as follows: | |||||||||||||||||
Weighted average discount rate | 3 | % | 4 | % | 3 | % | 4 | % |
Fair_Value_Measurement_Tables
Fair Value Measurement (Tables) | 9 Months Ended | ||||||||||||||||
Sep. 30, 2013 | |||||||||||||||||
Assets and Liabilities Measured at Fair Value on Recurring Basis | ' | ||||||||||||||||
Assets and Liabilities Measured on a Recurring Basis: Assets and liabilities measured at fair value on a recurring basis are summarized below: | |||||||||||||||||
Fair Value Measurements at September 30, 2013 Using: | |||||||||||||||||
September 30, | Quoted Prices | Significant | Significant | ||||||||||||||
in Active | Other | Unobservable | |||||||||||||||
Markets for | Observable | Inputs | |||||||||||||||
Identical | Inputs | ||||||||||||||||
Assets | |||||||||||||||||
2013 | (Level 1) | (Level 2) | (Level 3) | ||||||||||||||
(Dollars in thousands) | |||||||||||||||||
Assets: | |||||||||||||||||
Available for sale securities | |||||||||||||||||
US Treasury and government sponsored entities’ securities | $ | 229,763 | $ | — | $ | 229,763 | $ | — | |||||||||
Equity securities | 396 | 396 | — | — | |||||||||||||
Mortgage-backed GSE securities: residential | 312,652 | — | 312,652 | — | |||||||||||||
Interest rate caps | 594 | — | — | 594 | |||||||||||||
Fair Value Measurements at December 31, 2012 Using: | |||||||||||||||||
December 31, | Quoted | Significant | Significant | ||||||||||||||
2012 | Prices in | Other | Unobservable | ||||||||||||||
Active | Observable | Inputs | |||||||||||||||
Markets for | Inputs | (Level 3) | |||||||||||||||
Identical | (Level 2) | ||||||||||||||||
Assets | |||||||||||||||||
(Level 1) | |||||||||||||||||
(Dollars in thousands) | |||||||||||||||||
Assets: | |||||||||||||||||
Available for sale securities | |||||||||||||||||
US Treasury and government sponsored entities’ securities | $ | 163,692 | $ | — | $ | 163,692 | $ | — | |||||||||
Equity securities | 313 | 313 | — | — | |||||||||||||
Mortgage-backed GSE securities: residential | 410,557 | — | 410,557 | — | |||||||||||||
Interest rate caps | 436 | — | — | 436 | |||||||||||||
Reconciliation of All Assets Measured at Fair Value on Recurring Basis Using Significant Unobservable Inputs (Level 3) | ' | ||||||||||||||||
The table below presents a reconciliation of all assets measured at fair value on a recurring basis using significant unobservable inputs (Level 3) for the nine months ended September 30, 2013 and 2012: | |||||||||||||||||
Interest Rate Caps | |||||||||||||||||
Nine Months Ended | Nine Months Ended | ||||||||||||||||
September 30, 2013 | September 30, 2012 | ||||||||||||||||
(Dollars in thousands) | |||||||||||||||||
Balance of recurring Level 3 assets at beginning of period | $ | 436 | $ | 1,933 | |||||||||||||
Total gains (losses) for the period | |||||||||||||||||
Included in other income | 547 | (1,077 | ) | ||||||||||||||
Included in other comprehensive income | — | — | |||||||||||||||
Purchases | — | — | |||||||||||||||
Amortization | (389 | ) | (346 | ) | |||||||||||||
Sales | — | — | |||||||||||||||
Balance of recurring Level 3 assets at end of period | $ | 594 | $ | 510 | |||||||||||||
Quantitative Information About Level 3 Fair Value Measurements for Financial Instruments Measured at Fair Value on Nonrecurring Basis | ' | ||||||||||||||||
The following table presents quantitative information about Level 3 fair value measurements for financial instruments measured at fair value on a nonrecurring basis at September 30, 2013: | |||||||||||||||||
Fair Value | Valuation Technique(s) | Unobservable Input(s) | Range | ||||||||||||||
(Average) | |||||||||||||||||
(Dollars in thousands) | |||||||||||||||||
Impaired loans: | |||||||||||||||||
Permanent real estate loans | $ | 637 | Sales comparison approach | Adjustment for differences | 0.00%-56.90% | ||||||||||||
between comparable sales | -11.78% | ||||||||||||||||
Income approach | Adjustment for differences | 3.95%-14.62% | |||||||||||||||
in net operating income | -9.41% | ||||||||||||||||
Capitalization rate | |||||||||||||||||
Construction loans | 1,564 | Sales comparison approach | Adjustment for differences | 0.00%-25.00% | |||||||||||||
between comparable sales | -11.90% | ||||||||||||||||
Foreclosed assets: | |||||||||||||||||
Permanent real estate | 2,315 | Sales comparison approach | Adjustment for differences | 6.00%-46.53% | |||||||||||||
between comparable sales | -17.76% | ||||||||||||||||
Construction | 4,125 | Sales comparison approach | Adjustment for differences | 6.54%-26.63% | |||||||||||||
between comparable sales | -9.24% | ||||||||||||||||
The following table presents quantitative information about Level 3 fair value measurements for financial instruments measured at fair value on a nonrecurring basis at December 31, 2012: | |||||||||||||||||
Fair Value | Valuation Technique(s) | Unobservable Input(s) | Range | ||||||||||||||
(Average) | |||||||||||||||||
(Dollars in thousands) | |||||||||||||||||
Impaired loans: | |||||||||||||||||
Permanent real estate loans | $ | 6,166 | Sales comparison approach | Adjustment for differences | 12.07%-45.44% | ||||||||||||
between comparable sales | -28.75% | ||||||||||||||||
Income approach | Adjustment for differences | 7.52%-10.73% | |||||||||||||||
in net operating income | -9.49% | ||||||||||||||||
Capitalization rate | |||||||||||||||||
Construction loans | 3,489 | Sales comparison approach | Adjustment for differences | 0.00%-25.00% | |||||||||||||
between comparable sales | -9.83% | ||||||||||||||||
Income approach | Adjustment for differences | 10.00% | |||||||||||||||
in net operating income | |||||||||||||||||
Capitalization rate | |||||||||||||||||
Commercial loans | 257 | Sales comparison approach | Adjustment for differences | 1.6%-24.18% | |||||||||||||
between comparable sales | -11.15% | ||||||||||||||||
Income approach | Adjustment for differences | 8.5%-10% | |||||||||||||||
in net operating income | -9.25% | ||||||||||||||||
Capitalization rate | |||||||||||||||||
Foreclosed assets: | |||||||||||||||||
Permanent real estate | 3,172 | Sales comparison approach | Adjustment for differences | 3.60%-16.47% | |||||||||||||
between comparable sales | -10.20% | ||||||||||||||||
Construction | 6,918 | Sales comparison approach | Adjustment for differences | 0.00%-47.24% | |||||||||||||
between comparable sales | -17.63% | ||||||||||||||||
Assets Measured on Non-recurring Basis | ' | ||||||||||||||||
Assets and Liabilities Measured on a Non-Recurring Basis: Assets and liabilities measured at fair value on a non-recurring basis are summarized below: | |||||||||||||||||
Fair Value Measurements at September 30, 2013 Using: | |||||||||||||||||
September 30, | Quoted Prices in | Significant | Significant | ||||||||||||||
2013 | Active Markets for | Other | Unobservable | ||||||||||||||
Identical Assets | Observable | Inputs | |||||||||||||||
(Level 1) | Inputs | (Level 3) | |||||||||||||||
(Level 2) | |||||||||||||||||
(Dollars in thousands) | |||||||||||||||||
Assets: | |||||||||||||||||
Impaired loans: | |||||||||||||||||
Permanent real estate loans | $ | 637 | $ | — | $ | — | $ | 637 | |||||||||
Construction loans | 1,564 | — | — | 1,564 | |||||||||||||
Mortgage servicing assets | 387 | — | 387 | — | |||||||||||||
Other real estate owned, net: | |||||||||||||||||
Permanent real estate | 2,315 | — | — | 2,315 | |||||||||||||
Construction | 4,125 | — | — | 4,125 | |||||||||||||
Fair Value Measurements at December 31, 2012 Using: | |||||||||||||||||
December 31, | Quoted Prices | Significant | Significant | ||||||||||||||
2012 | in Active | Other | Unobservable | ||||||||||||||
Markets for | Observable | Inputs | |||||||||||||||
Identical Assets | Inputs | (Level 3) | |||||||||||||||
(Level 1) | (Level 2) | ||||||||||||||||
(Dollars in thousands) | |||||||||||||||||
Assets: | |||||||||||||||||
Impaired loans: | |||||||||||||||||
Permanent real estate loans | $ | 6,166 | $ | — | $ | — | $ | 6,166 | |||||||||
Construction loans | 3,489 | — | — | 3,489 | |||||||||||||
Commercial loans | 257 | — | — | 257 | |||||||||||||
Mortgage servicing assets | 4,920 | — | 4,920 | — | |||||||||||||
Other real estate owned, net: | |||||||||||||||||
Permanent real estate | 3,172 | — | — | 3,172 | |||||||||||||
Construction | 6,918 | — | — | 6,918 | |||||||||||||
Carrying Value and Estimated Fair Values of Financial Instruments | ' | ||||||||||||||||
In accordance with U.S. GAAP, the carrying value and estimated fair values of financial instruments at September 30, 2013 and December 31, 2012, were as follows: | |||||||||||||||||
Fair Value Measurements at September 30, 2013 Using: | |||||||||||||||||
September 30, | Quoted Prices | Significant | Significant | ||||||||||||||
2013 | in Active | Other | Unobservable | ||||||||||||||
Carrying Value | Markets for | Observable | Inputs | ||||||||||||||
Identical Assets | Inputs | (Level 3) | |||||||||||||||
(Level 1) | (Level 2) | ||||||||||||||||
(Dollars in thousands) | |||||||||||||||||
Assets: | |||||||||||||||||
Cash and cash equivalents | $ | 86,130 | $ | 86,130 | $ | — | $ | — | |||||||||
Available for sale securities | 542,811 | 396 | 542,415 | — | |||||||||||||
Loans held for sale | 2,894 | — | 2,947 | — | |||||||||||||
Loans, net | 1,009,029 | — | — | 1,021,206 | |||||||||||||
FHLB stock | 26,464 | n/a | n/a | n/a | |||||||||||||
Accrued interest receivable | 5,200 | — | 2,081 | 3,119 | |||||||||||||
Interest rate caps | 594 | — | — | 594 | |||||||||||||
Liabilities: | |||||||||||||||||
Deposits: | |||||||||||||||||
Checking, savings and money market accounts | (900,444 | ) | (900,444 | ) | — | — | |||||||||||
Certificates of deposit | (510,166 | ) | — | (519,632 | ) | — | |||||||||||
FHLB advances | (50,000 | ) | — | (55,808 | ) | — | |||||||||||
Repurchase agreements and other | (90,583 | ) | — | (99,292 | ) | — | |||||||||||
Advance payments by borrowers for taxes and insurance | (12,126 | ) | — | (12,126 | ) | — | |||||||||||
Accrued interest payable | (592 | ) | — | (592 | ) | — | |||||||||||
Fair Value Measurements at December 31, 2012 Using: | |||||||||||||||||
December 31, | (Level 1) | (Level 2) | (Level 3) | ||||||||||||||
2012 | |||||||||||||||||
Carrying Value | |||||||||||||||||
(Dollars in thousands) | |||||||||||||||||
Assets: | |||||||||||||||||
Cash and cash equivalents | $ | 42,613 | $ | 42,613 | $ | — | $ | — | |||||||||
Available for sale securities | 574,562 | 313 | 574,249 | — | |||||||||||||
Loans held for sale | 13,031 | — | 13,428 | — | |||||||||||||
Loans, net | 1,066,240 | — | — | 1,087,205 | |||||||||||||
FHLB stock | 26,464 | n/a | n/a | n/a | |||||||||||||
Accrued interest receivable | 6,238 | — | 2,380 | 3,858 | |||||||||||||
Interest rate caps | 436 | — | — | 436 | |||||||||||||
Liabilities: | |||||||||||||||||
Deposits: | |||||||||||||||||
Checking, savings and money market accounts | (902,776 | ) | (902,776 | ) | — | — | |||||||||||
Certificates of deposit | (559,298 | ) | — | (571,836 | ) | — | |||||||||||
FHLB advances | (50,000 | ) | — | (57,077 | ) | — | |||||||||||
Repurchase agreements and other | (90,598 | ) | — | (102,086 | ) | — | |||||||||||
Advance payments by borrowers for taxes and insurance | (23,590 | ) | — | (23,590 | ) | — | |||||||||||
Accrued interest payable | (563 | ) | — | (563 | ) | — | |||||||||||
Interest Rate Cap [Member] | ' | ||||||||||||||||
Quantitative Information About Level 3 Fair Value Measurements for Financial Instruments Measured at Fair Value on Nonrecurring Basis | ' | ||||||||||||||||
The following table presents quantitative information about recurring Level 3 fair value measurements at September 30, 2013: | |||||||||||||||||
Fair Value | Valuation Technique(s) | Unobservable | Range | ||||||||||||||
Input(s) | |||||||||||||||||
(Dollars in thousands) | |||||||||||||||||
Interest rate caps | $ | 594 | Discounted cash flow | Discount rate | 0.47%-1.5% |
Statement_of_Cash_Flows_Supple1
Statement of Cash Flows Supplemental Disclosure (Tables) | 9 Months Ended | ||||||||
Sep. 30, 2013 | |||||||||
Supplemental Cash Flow Elements [Abstract] | ' | ||||||||
Supplemental Disclosures of Cash Flow Information | ' | ||||||||
Supplemental disclosures of cash flow information are summarized below. | |||||||||
Nine Months Ended | Nine Months Ended | ||||||||
September 30, | September 30, | ||||||||
2013 | 2012 | ||||||||
(Dollars in thousands) | |||||||||
Supplemental disclosures of cash flow information | |||||||||
Cash paid during the period for: | |||||||||
Interest on deposits and borrowings | $ | 10,146 | $ | 14,202 | |||||
Income taxes | 500 | — | |||||||
Supplemental schedule of noncash activities: | |||||||||
Loans transferred from portfolio to held for sale | — | 1,214 | |||||||
Transfers from loans to real estate owned and other repossessed assets | 1,468 | 5,743 | |||||||
Transfers from real estate owned to premises and equipment | — | 1,746 | |||||||
Amortization of preferred stock discount | 6,751 | — | |||||||
Conversion of preferred stock to common stock | 21,841 | — |
Earnings_Per_Share_Tables
Earnings Per Share (Tables) | 9 Months Ended | ||||||||
Sep. 30, 2013 | |||||||||
Earnings Per Share [Abstract] | ' | ||||||||
Computation of Earnings Per Share | ' | ||||||||
Three months ended | Three months ended | ||||||||
September 30, | September 30, | ||||||||
2013 | 2012 | ||||||||
(Dollars in thousands, except per share data) | |||||||||
Net income (loss) per consolidated statements of income | $ | 1,717 | $ | (26,891 | ) | ||||
Net (income) loss allocated to participating securities | (4 | ) | 73 | ||||||
Amortization of discount on preferred stock | — | — | |||||||
Net income (loss) allocated to common stock | $ | 1,713 | $ | (26,818 | ) | ||||
Basic earnings per common share computation: | |||||||||
Distributed earnings allocated to common stock | $ | — | $ | — | |||||
Undistributed earnings (loss) allocated to common stock | 1,713 | (26,818 | ) | ||||||
Net income (loss) allocated to common stock | $ | 1,713 | $ | (26,818 | ) | ||||
Weighted average common shares outstanding, including shares considered participating securities | 50,219 | 32,847 | |||||||
Less: Average participating securities | (109 | ) | (96 | ) | |||||
Weighted average shares | 50,110 | 32,751 | |||||||
Basic earnings (loss) per common share | $ | 0.03 | $ | (0.82 | ) | ||||
Diluted earnings per common share computation: | |||||||||
Net income (loss) allocated to common stock | $ | 1,713 | $ | (26,818 | ) | ||||
Weighted average common shares outstanding for basic earnings per common share | 50,110 | 32,751 | |||||||
Add: Dilutive effects of assumed exercises of stock options | 272 | — | |||||||
Weighted average shares and dilutive potential common shares | 50,382 | 32,751 | |||||||
Diluted earnings (loss) per common share | $ | 0.03 | $ | (0.82 | ) | ||||
Nine months ended | Nine months ended | ||||||||
September 30, | September 30, | ||||||||
2013 | 2012 | ||||||||
(Dollars in thousands, except per share data) | |||||||||
Net income (loss) per consolidated statements of income | $ | 7,788 | $ | (23,033 | ) | ||||
Net (income) loss allocated to participating securities | (22 | ) | 43 | ||||||
Amortization of discount on preferred stock | (6,751 | ) | — | ||||||
Net income (loss) allocated to common stock | $ | 1,015 | $ | (22,990 | ) | ||||
Basic earnings per common share computation: | |||||||||
Distributed earnings allocated to common stock | $ | — | $ | — | |||||
Undistributed earnings (loss) allocated to common stock | 1,015 | (22,990 | ) | ||||||
Net income (loss) allocated to common stock | $ | 1,015 | $ | (22,990 | ) | ||||
Weighted average common shares outstanding, including shares considered participating securities | 42,455 | 32,781 | |||||||
Less: Average participating securities | (118 | ) | (66 | ) | |||||
Weighted average shares | 42,337 | 32,715 | |||||||
Basic earnings (loss) per common share | $ | 0.02 | $ | (0.70 | ) | ||||
Diluted earnings per common share computation: | |||||||||
Net income (loss) allocated to common stock | $ | 1,015 | $ | (22,990 | ) | ||||
Weighted average common shares outstanding for basic earnings per common share | 42,337 | 32,715 | |||||||
Add: Dilutive effects of assumed exercises of stock options | 275 | — | |||||||
Weighted average shares and dilutive potential common shares | 42,612 | 32,715 | |||||||
Diluted earnings (loss) per common share | $ | 0.02 | $ | (0.70 | ) | ||||
Summary of BCF Resulting from Issuance of Preferred Shares | ' | ||||||||
The BCF resulting from the issuance of the preferred shares of United Community is calculated as follows: | |||||||||
Total common shares that may be issued upon conversion of preferred shares | 7,942,000 | ||||||||
Intrinsic value (difference between consideration allocated to preferred stock upon conversion at $2.75 per share and market price of $3.60 per share on March 22, 2013) | $ | 0.85 | |||||||
Beneficial conversion feature | $ | 6,750,700 | |||||||
Other_Comprehensive_Income_Los1
Other Comprehensive Income (Loss) (Tables) | 9 Months Ended | ||||||||||||||||
Sep. 30, 2013 | |||||||||||||||||
Equity [Abstract] | ' | ||||||||||||||||
Other Comprehensive Income (Loss) Components and Related Tax Effects | ' | ||||||||||||||||
Other comprehensive income (loss) components and related tax effects for the three and nine month periods are as follows: | |||||||||||||||||
Three months ended | Nine months ended | ||||||||||||||||
September 30, | September 30, | ||||||||||||||||
2013 | 2012 | 2013 | 2012 | ||||||||||||||
(Dollars in thousands) | |||||||||||||||||
Unrealized holding gain (loss) on securities available for sale | $ | (2,121 | ) | $ | 6,759 | $ | (35,428 | ) | $ | 13,270 | |||||||
Unrealized holding gain (loss) on postretirement benefits | — | — | — | — | |||||||||||||
Reclassification adjustment for gains realized in income | — | (1,192 | ) | (2,578 | ) | (5,161 | ) | ||||||||||
Net unrealized gains (losses) | (2,121 | ) | 5,567 | (38,006 | ) | 8,109 | |||||||||||
Tax effect | — | (2,838 | ) | — | (2,838 | ) | |||||||||||
Net of tax amount | $ | (2,121 | ) | $ | 2,729 | $ | (38,006 | ) | $ | 5,271 | |||||||
Summary of Accumulated Other Comprehensive Income (Loss) Balances, Net of Tax | ' | ||||||||||||||||
The following is a summary of accumulated other comprehensive income (loss) balances, net of tax: | |||||||||||||||||
Balance at | Current Period | Balance at | |||||||||||||||
December 31, | Change | September 30, | |||||||||||||||
2012 | 2013 | ||||||||||||||||
(Dollars in thousands) | |||||||||||||||||
Unrealized gains (losses) on securities available for sale | $ | 5,082 | $ | (38,006 | ) | $ | (32,924 | ) | |||||||||
Unrealized gains (losses) on post-retirement benefits | 1,600 | — | 1,600 | ||||||||||||||
Total | $ | 6,682 | $ | (38,006 | ) | $ | (31,324 | ) | |||||||||
Summary of Each Component of Accumulated Other Comprehensive Income (Loss), Net Income | ' | ||||||||||||||||
The following is a summary of each component of accumulated other comprehensive income (loss) that was reclassified into net income during the three and nine months ended September 30, 2013: | |||||||||||||||||
Unrealized | Postretirement | Total | |||||||||||||||
gains/losses on | Benefits | ||||||||||||||||
Available for Sale | |||||||||||||||||
Securities | |||||||||||||||||
(Dollars in thousands) | |||||||||||||||||
Beginning balance (06/30/2013) | $ | (30,803 | ) | $ | 1,600 | $ | (29,203 | ) | |||||||||
Other comprehensive loss before reclassification | (2,121 | ) | — | (2,121 | ) | ||||||||||||
Amounts reclassified from accumulated other compressive loss | — | — | — | ||||||||||||||
Net current period other comprehensive loss | (2,121 | ) | — | (2,121 | ) | ||||||||||||
Ending balance (09/30/2013) | $ | (32,924 | ) | $ | 1,600 | $ | (31,324 | ) | |||||||||
Unrealized | Postretirement | Total | |||||||||||||||
gains/losses on | Benefits | ||||||||||||||||
Available for Sale | |||||||||||||||||
Securities | |||||||||||||||||
(Dollars in thousands) | |||||||||||||||||
Beginning balance (12/31/12) | $ | 5,082 | $ | 1,600 | $ | 6,682 | |||||||||||
Other comprehensive loss before reclassification | (35,428 | ) | — | (35,428 | ) | ||||||||||||
Amounts reclassified from accumulated other compressive loss | (2,578 | ) | — | (2,578 | ) | ||||||||||||
Net current period other comprehensive loss | (38,006 | ) | — | (38,006 | ) | ||||||||||||
Ending balance (09/30/2013) | $ | (32,924 | ) | $ | 1,600 | $ | (31,324 | ) | |||||||||
Regulatory_Capital_Requirement1
Regulatory Capital Requirements (Tables) | 9 Months Ended | ||||||||||||||||
Sep. 30, 2013 | |||||||||||||||||
Text Block [Abstract] | ' | ||||||||||||||||
Actual and Statutory Required Capital Amounts and Ratios | ' | ||||||||||||||||
Actual and regulatory required capital ratios for Home Savings, along with the dollar amount of capital implied by such ratios, are presented below. | |||||||||||||||||
As of September 30, 2013 | |||||||||||||||||
Actual | Minimum Capital | ||||||||||||||||
Requirements Per | |||||||||||||||||
Memorandum of | |||||||||||||||||
Understanding | |||||||||||||||||
Amount | Ratio | Amount | Ratio | ||||||||||||||
(Dollars in thousands) | |||||||||||||||||
Total risk-based capital to risk-weighted assets | $ | 197,975 | 19.78 | % | $ | 120,090 | 12 | % | |||||||||
Tier 1 capital to risk-weighted assets | 185,360 | 18.52 | % | * | * | ||||||||||||
Tier 1 capital to average total assets** | 185,360 | 10.26 | % | 162,536 | 8.5 | % | |||||||||||
As of September 30, 2013 | |||||||||||||||||
Minimum Capital | To Be Well Capitalized Under | ||||||||||||||||
Requirements Per Regulation | Prompt Corrective Action | ||||||||||||||||
Provisions | |||||||||||||||||
Amount | Ratio | Amount | Ratio | ||||||||||||||
(Dollars in thousands) | |||||||||||||||||
Total risk-based capital to risk-weighted assets | $ | 80,060 | 8 | % | $ | 100,075 | 10 | % | |||||||||
Tier 1 capital to risk-weighted assets | * | * | 60,045 | 6 | % | ||||||||||||
Tier 1 capital to average total assets** | 72,239 | 4 | % | 90,298 | 5 | % | |||||||||||
As of December 31, 2012 | |||||||||||||||||
Actual | Minimum Capital | ||||||||||||||||
Requirements Per Bank Order | |||||||||||||||||
Amount | Ratio | Amount | Ratio | ||||||||||||||
(Dollars in thousands) | |||||||||||||||||
Total risk-based capital to risk-weighted assets | $ | 174,139 | 16.21 | % | $ | 128,948 | 12 | % | |||||||||
Tier 1 capital to risk-weighted assets | 160,612 | 14.95 | % | * | * | ||||||||||||
Tier 1 capital to average total assets** | 160,612 | 8.7 | % | 166,226 | 9 | % | |||||||||||
As of December 31, 2012 | |||||||||||||||||
Minimum Capital | To Be Well Capitalized Under | ||||||||||||||||
Requirements Per Regulation | Prompt Corrective Action | ||||||||||||||||
Provisions | |||||||||||||||||
Amount | Ratio | Amount | Ratio | ||||||||||||||
(Dollars in thousands) | |||||||||||||||||
Total risk-based capital to risk-weighted assets | $ | 85,965 | 8 | % | $ | 107,457 | 10 | % | |||||||||
Tier 1 capital to risk-weighted assets | * | * | 64,474 | 6 | % | ||||||||||||
Tier 1 capital to average total assets** | 73,878 | 4 | % | 92,348 | 5 | % | |||||||||||
* | Ratio is not required under regulations | ||||||||||||||||
** | Tier 1 Leverage Capital Ratio |
Basis_of_Presentation_Addition
Basis of Presentation - Additional Information (Detail) | Sep. 30, 2013 |
Office | |
Branch | |
Accounting Policies [Abstract] | ' |
Number of full-service branches | 33 |
Number of loan production offices | 9 |
Regulatory_Enforcement_Action_
Regulatory Enforcement Action - Additional Information (Detail) (USD $) | Sep. 30, 2013 | Mar. 31, 2013 | Jan. 31, 2013 | Dec. 31, 2012 | Sep. 30, 2012 | Jun. 30, 2012 | 31-May-11 |
In Millions, unless otherwise specified | |||||||
Call Loans And Funds Sold And Call Money And Funds Purchased [Line Items] | ' | ' | ' | ' | ' | ' | ' |
Reduction of classified assets percentage within six months | ' | ' | ' | ' | ' | ' | 75.00% |
Reduction of classified assets amount within six months | ' | ' | ' | ' | $219 | ' | ' |
Reduction of classified assets percentage within twelve months | ' | ' | ' | ' | ' | ' | 50.00% |
Reduction of classified assets amount within twelve months | ' | $146 | ' | ' | ' | ' | ' |
Tier 1 leverage capital ratio | 10.26% | ' | 8.50% | 8.70% | ' | 9.00% | ' |
Total risk-based capital ratio | 19.78% | ' | 12.00% | ' | ' | 12.00% | ' |
Stock_Compensation_Additional_
Stock Compensation - Additional Information (Detail) (USD $) | 9 Months Ended | 3 Months Ended | 9 Months Ended | 3 Months Ended | 9 Months Ended | 9 Months Ended | 12 Months Ended | |||||||
Sep. 30, 2013 | Sep. 30, 2013 | Sep. 30, 2012 | Sep. 30, 2013 | Sep. 30, 2012 | Sep. 30, 2013 | Sep. 30, 2012 | Sep. 30, 2013 | Sep. 30, 2012 | Dec. 31, 2012 | Sep. 30, 2013 | Sep. 30, 2013 | Sep. 30, 2013 | Dec. 31, 2012 | |
Stock Option [Member] | Stock Option [Member] | Stock Option [Member] | Stock Option [Member] | Restricted Stock [Member] | Restricted Stock [Member] | Restricted Stock [Member] | Restricted Stock [Member] | Restricted Stock [Member] | Restricted Stock [Member] | 1999 Long-Term Incentive Plan [Member] | 2007 Long-Term Incentive Plan [Member] | 2007 Long-Term Incentive Plan [Member] | ||
Scenario, Forecast [Member] | ||||||||||||||
Compensation Related Costs Share Based Payments Disclosure [Line Items] | ' | ' | ' | ' | ' | ' | ' | ' | ' | ' | ' | ' | ' | ' |
Authorized shares of stock, option plan, maximum | ' | ' | ' | ' | ' | ' | ' | ' | ' | ' | ' | 3,569,766 | 2,000,000 | ' |
Shares Granted | ' | ' | ' | ' | ' | ' | ' | ' | ' | ' | ' | ' | 12,317 | 10,898 |
Maximum term for option exercisable | ' | ' | ' | ' | ' | ' | ' | ' | ' | ' | ' | ' | '10 years | ' |
Option expiry term (Years) | ' | ' | ' | ' | ' | ' | ' | ' | ' | ' | ' | '10 years | ' | ' |
Recognition of stock option expense | ' | $5,500 | $4,816 | $14,970 | $13,042 | $68,000 | $103,000 | $260,000 | $604,000 | ' | ' | ' | ' | ' |
Unrecognized cost of nonvested stock options granted | ' | 5,344 | ' | 5,344 | ' | 68,000 | ' | 68,000 | ' | ' | ' | ' | ' | ' |
Expected additional expense for 2014 | ' | 16,690 | ' | 16,690 | ' | 184,000 | ' | 184,000 | ' | ' | ' | ' | ' | ' |
Expected additional expense for 2015 | ' | $9,192 | ' | $9,192 | ' | $76,000 | ' | $76,000 | ' | ' | ' | ' | ' | ' |
Weighted average remaining life for outstanding stock | '4 years 5 months 1 day | ' | ' | ' | ' | ' | ' | ' | ' | ' | ' | ' | ' | ' |
Exercise price range, lower range limit | $1.20 | ' | ' | ' | ' | ' | ' | ' | ' | ' | ' | ' | ' | ' |
Exercise price range, upper range limit | $12.38 | ' | ' | ' | ' | ' | ' | ' | ' | ' | ' | ' | ' | ' |
Non Vested shares issued during 2013 | ' | ' | ' | ' | ' | 106,070 | ' | 106,070 | ' | 129,321 | ' | ' | ' | ' |
Vested shares during 2013 | ' | ' | ' | ' | ' | ' | ' | 26,317 | ' | ' | 32,685 | ' | ' | ' |
Vested shares during 2014 | ' | ' | ' | ' | ' | 42,665 | ' | 42,665 | ' | ' | ' | ' | ' | ' |
Vested shares during 2015 | ' | ' | ' | ' | ' | 29,883 | ' | 29,883 | ' | ' | ' | ' | ' | ' |
Vested shares during 2016 | ' | ' | ' | ' | ' | 837 | ' | 837 | ' | ' | ' | ' | ' | ' |
Stock_Compensation_Summary_of_
Stock Compensation - Summary of Activity in Plans (Detail) (USD $) | 9 Months Ended |
In Thousands, except Share data, unless otherwise specified | Sep. 30, 2013 |
Disclosure Of Compensation Related Costs Sharebased Payments [Abstract] | ' |
Shares, Outstanding at beginning of year | 1,309,942 |
Shares, Granted | 12,317 |
Shares, Exercised | -123,600 |
Shares, Forfeited | -241,729 |
Shares, Outstanding at end of period | 956,930 |
Shares, Options exercisable at end of period | 929,028 |
Weighted average exercise price, Outstanding at beginning of year | $5.77 |
Weighted average exercise price, Granted | $3.54 |
Weighted average exercise price, Exercised | $2.01 |
Weighted average exercise price, Forfeited | $8.82 |
Weighted average exercise price, Outstanding at end of period | $5.46 |
Weighted average exercise price, Options exercisable at the end of period | $5.54 |
Aggregate intrinsic value, Outstanding at beginning of year | $640 |
Aggregate intrinsic value, Granted | ' |
Aggregate intrinsic value, Exercised | ' |
Aggregate intrinsic value, Forfeited | ' |
Aggregate intrinsic value, Outstanding at end of period | 1,102 |
Aggregate intrinsic value, Options exercisable at the end of period | $1,065 |
Stock_Compensation_Information
Stock Compensation - Information Related to Stock Option Plans (Detail) (USD $) | 9 Months Ended |
Sep. 30, 2013 | |
Disclosure Of Compensation Related Costs Sharebased Payments [Abstract] | ' |
Intrinsic value of options exercised | $304,056 |
Cash received from option exercises | 155,320 |
Tax benefit realized from option exercises | ' |
Weighted average fair value of options granted, per share | $2.38 |
Stock_Compensation_WeightedAve
Stock Compensation - Weighted-Average Assumptions for Determining Fair Value of Options Granted (Detail) | 1 Months Ended |
Jul. 03, 2013 | |
Disclosure Of Compensation Related Costs Sharebased Payments [Abstract] | ' |
Risk-free interest rate | 0.84% |
Expected term (years) | '5 years |
Expected stock volatility | 86.20% |
Dividend yield | ' |
Stock_Compensation_Summary_of_1
Stock Compensation - Summary of Changes in Company's Nonvested Restricted Shares (Detail) (Restricted Stock [Member], USD $) | 9 Months Ended |
Sep. 30, 2013 | |
Restricted Stock [Member] | ' |
Compensation Related Costs Share Based Payments Disclosure [Line Items] | ' |
Shares, Nonvested shares, Beginning balance | 129,321 |
Shares, Granted | 17,226 |
Shares, Vested | -26,317 |
Shares, Forfeited | -14,160 |
Shares, Nonvested shares, Ending balance | 106,070 |
Weighted average grant date fair value, Nonvested shares, Beginning balance | $2.86 |
Weighted average grant date fair value, Granted | $3.82 |
Weighted average grant date fair value, Vested | $2.09 |
Weighted average grant date fair value, Forfeited | $3.06 |
Weighted average grant date fair value, Nonvested shares, Ending balance | $3.18 |
Securities_Components_of_Avail
Securities - Components of Available for Sale Portfolio (Detail) (USD $) | Sep. 30, 2013 | Dec. 31, 2012 |
In Thousands, unless otherwise specified | ||
Schedule of Available-for-sale Securities [Line Items] | ' | ' |
Total amortized cost | $572,764 | $566,509 |
Available-for-sale securities, Gross unrealized gains | 947 | 8,763 |
Available-for-sale securities, Gross unrealized losses | -30,900 | -710 |
Total fair value | 542,811 | 574,562 |
U.S. Treasury and Government Sponsored Entities' Securities [Member] | ' | ' |
Schedule of Available-for-sale Securities [Line Items] | ' | ' |
Total amortized cost | 250,268 | 161,845 |
Available-for-sale securities, Gross unrealized gains | 1 | 2,409 |
Available-for-sale securities, Gross unrealized losses | -20,506 | -562 |
Total fair value | 229,763 | 163,692 |
Equity Securities [Member] | ' | ' |
Schedule of Available-for-sale Securities [Line Items] | ' | ' |
Total amortized cost | 101 | 101 |
Available-for-sale securities, Gross unrealized gains | 295 | 212 |
Available-for-sale securities, Gross unrealized losses | ' | ' |
Total fair value | 396 | 313 |
Mortgage-backed GSE Securities: Residential [Member] | ' | ' |
Schedule of Available-for-sale Securities [Line Items] | ' | ' |
Total amortized cost | 322,395 | 404,563 |
Available-for-sale securities, Gross unrealized gains | 651 | 6,142 |
Available-for-sale securities, Gross unrealized losses | -10,394 | -148 |
Total fair value | $312,652 | $410,557 |
Securities_Debt_Securities_Ava
Securities - Debt Securities Available for Sale by Contractual Maturity (Detail) (USD $) | Sep. 30, 2013 |
In Thousands, unless otherwise specified | |
Amortized Cost And Fair Value Debt Securities [Abstract] | ' |
Due in one year or less, amortized cost | ' |
Due after one year through five years, amortized cost | 500 |
Due after five years through ten years, amortized cost | 161,153 |
Due after ten years through fifteen years, amortized cost | 88,615 |
Mortgage-related securities, amortized cost | 322,394 |
Total amortized cost | 572,662 |
Due in one year or less, fair value | ' |
Due after one year through five years, fair value | 501 |
Due after five years through ten years, fair value | 149,827 |
Due after ten years through fifteen years, fair value | 79,435 |
Mortgage-related securities, fair value | 312,652 |
Total fair value | $542,415 |
Securities_Additional_Informat
Securities - Additional Information (Detail) (USD $) | 3 Months Ended | 9 Months Ended | ||||||
Sep. 30, 2013 | Sep. 30, 2012 | Sep. 30, 2013 | Sep. 30, 2012 | Sep. 30, 2013 | Dec. 31, 2012 | Sep. 30, 2013 | Dec. 31, 2012 | |
Visa Stock [Member] | Visa Stock [Member] | Ohio Linked Deposit Program [Member] | Ohio Linked Deposit Program [Member] | |||||
Schedule of Trading Securities and Other Trading Assets [Line Items] | ' | ' | ' | ' | ' | ' | ' | ' |
Securities pledged for Company's participation in the VISA payment processing program | ' | ' | ' | ' | $0 | $5,800,000 | ' | ' |
Securities pledged for investment in Ohio Linked Deposit Program | ' | ' | ' | ' | ' | ' | 389,000 | 417,000 |
Securities available for sale | ' | ' | 97,127,000 | 286,926,000 | ' | ' | ' | ' |
Gross gains on sales of securities available for sale | $0 | $1,200,000 | $2,600,000 | $5,200,000 | ' | ' | ' | ' |
Securities_Securities_Availabl
Securities - Securities Available for Sale in Unrealized Loss Position (Detail) (USD $) | Sep. 30, 2013 | Dec. 31, 2012 |
In Thousands, unless otherwise specified | ||
Schedule of Available-for-sale Securities [Line Items] | ' | ' |
Fair Value, Less Than 12 Months | $493,281 | $114,500 |
Unrealized Loss, Less Than 12 Months | -30,642 | -710 |
Fair Value, 12 Months or More | 8,704 | ' |
Unrealized Loss, 12 Months or More | -257 | ' |
Total Fair Value | 501,985 | 114,500 |
Total, Unrealized Loss | -30,899 | -710 |
U.S. Treasury and Government Sponsored Entities' Securities [Member] | ' | ' |
Schedule of Available-for-sale Securities [Line Items] | ' | ' |
Fair Value, Less Than 12 Months | 229,262 | 42,480 |
Unrealized Loss, Less Than 12 Months | -20,506 | -562 |
Fair Value, 12 Months or More | ' | ' |
Unrealized Loss, 12 Months or More | ' | ' |
Total Fair Value | 229,262 | 42,480 |
Total, Unrealized Loss | -20,506 | -562 |
Mortgage-Related Securities [Member] | ' | ' |
Schedule of Available-for-sale Securities [Line Items] | ' | ' |
Fair Value, Less Than 12 Months | 264,019 | 72,020 |
Unrealized Loss, Less Than 12 Months | -10,136 | -148 |
Fair Value, 12 Months or More | 8,704 | ' |
Unrealized Loss, 12 Months or More | -257 | ' |
Total Fair Value | 272,723 | 72,020 |
Total, Unrealized Loss | ($10,393) | ($148) |
Loans_Schedule_of_Portfolio_of
Loans - Schedule of Portfolio of Loans (Detail) (USD $) | Sep. 30, 2013 | Dec. 31, 2012 |
In Thousands, unless otherwise specified | ||
Financing Receivable, Allowance for Credit Losses [Line Items] | ' | ' |
Total real estate | $807,664 | $845,020 |
Total Consumer | 194,383 | 214,593 |
Total commercial | 26,888 | 26,543 |
Ending balance | 1,028,935 | 1,086,156 |
Allowance for loan losses | 21,032 | 21,130 |
Deferred loan costs, net | -1,126 | -1,214 |
Total | 19,906 | 19,916 |
Loans, net | 1,009,029 | 1,066,240 |
One-to Four-Family Residential [Member] | ' | ' |
Financing Receivable, Allowance for Credit Losses [Line Items] | ' | ' |
Total real estate | 575,791 | 577,249 |
Multi-Family Residential [Member] | ' | ' |
Financing Receivable, Allowance for Credit Losses [Line Items] | ' | ' |
Total real estate | 55,696 | 80,923 |
Nonresidential [Member] | ' | ' |
Financing Receivable, Allowance for Credit Losses [Line Items] | ' | ' |
Total real estate | 127,699 | 138,188 |
Land [Member] | ' | ' |
Financing Receivable, Allowance for Credit Losses [Line Items] | ' | ' |
Total real estate | 9,546 | 15,808 |
One-to Four-Family Residential and Land Development [Member] | ' | ' |
Financing Receivable, Allowance for Credit Losses [Line Items] | ' | ' |
Total real estate | 38,932 | 28,318 |
Multi-Family and Nonresidential [Member] | ' | ' |
Financing Receivable, Allowance for Credit Losses [Line Items] | ' | ' |
Total real estate | ' | 4,534 |
Home Equity [Member] | ' | ' |
Financing Receivable, Allowance for Credit Losses [Line Items] | ' | ' |
Total Consumer | 163,866 | 177,230 |
Auto [Member] | ' | ' |
Financing Receivable, Allowance for Credit Losses [Line Items] | ' | ' |
Total Consumer | 5,943 | 7,648 |
Marine [Member] | ' | ' |
Financing Receivable, Allowance for Credit Losses [Line Items] | ' | ' |
Total Consumer | 4,432 | 4,942 |
Recreational Vehicles [Member] | ' | ' |
Financing Receivable, Allowance for Credit Losses [Line Items] | ' | ' |
Total Consumer | 17,939 | 22,250 |
Others [Member] | ' | ' |
Financing Receivable, Allowance for Credit Losses [Line Items] | ' | ' |
Total Consumer | 2,203 | 2,523 |
Secured [Member] | ' | ' |
Financing Receivable, Allowance for Credit Losses [Line Items] | ' | ' |
Total commercial | 26,113 | 24,243 |
Unsecured [Member] | ' | ' |
Financing Receivable, Allowance for Credit Losses [Line Items] | ' | ' |
Total commercial | $775 | $2,300 |
Loans_Additional_Information_D
Loans - Additional Information (Detail) (USD $) | 3 Months Ended | 9 Months Ended | 12 Months Ended | ||
Sep. 30, 2013 | Sep. 30, 2012 | Sep. 30, 2013 | Sep. 30, 2012 | Dec. 31, 2012 | |
Financing Receivable, Allowance for Credit Losses [Line Items] | ' | ' | ' | ' | ' |
Period within which commitments are to be disbursed | ' | ' | '60 days | ' | ' |
Allowance for loan losses charge offs | ' | $38,200,000 | ' | ' | ' |
Amounts charged off | 1,104,000 | 3,882,000 | 7,854,000 | 22,946,000 | 0 |
Maximum period after which troubled debt restructuring is considered to be in payment by default | ' | ' | '30 days | ' | ' |
Effect of troubled debt restructurings on provision for loan losses | ' | ' | 0 | ' | ' |
Total Recorded Investment | 46,327,000 | 59,244,000 | 46,327,000 | 59,244,000 | 61,017,000 |
Period of cumulative homogeneous loans past due included in company analysis | ' | ' | '90 days | ' | ' |
Maximum duration under which loans may be housed under Special Mention category | ' | ' | 'No Longer Than 12 Months | ' | ' |
Troubled Debt Restructurings [Member] | ' | ' | ' | ' | ' |
Financing Receivable, Allowance for Credit Losses [Line Items] | ' | ' | ' | ' | ' |
Increment in allowance for loan losses | 206,000 | 367,000 | 778,000 | 367,000 | ' |
Amounts charged off | 0 | 0 | 1,800,000 | 0 | ' |
Total Recorded Investment | $15,900,000 | ' | $15,900,000 | ' | ' |
Loans_Investment_in_Loans_by_P
Loans - Investment in Loans by Portfolio Segment and Based on Impairment (Detail) (USD $) | 3 Months Ended | 9 Months Ended | 12 Months Ended | ||
Sep. 30, 2013 | Sep. 30, 2012 | Sep. 30, 2013 | Sep. 30, 2012 | Dec. 31, 2012 | |
Financing Receivable, Allowance for Credit Losses [Line Items] | ' | ' | ' | ' | ' |
Allowance, Beginning balance | $19,037,000 | $30,933,000 | $21,130,000 | $42,271,000 | $42,271,000 |
Loans individually evaluated for impairment | 2,423,000 | ' | 2,423,000 | ' | 3,024,000 |
Provision | 657,000 | 30,279,000 | 3,834,000 | 37,223,000 | ' |
Loans collectively evaluated for impairment | 18,609,000 | ' | 18,609,000 | ' | 18,106,000 |
Chargeoffs | -1,104,000 | -3,882,000 | -7,854,000 | -22,946,000 | 0 |
Allowance, Ending balance | 21,032,000 | 20,048,000 | 21,032,000 | 20,048,000 | 21,130,000 |
Recoveries | 2,442,000 | 876,000 | 3,922,000 | 1,658,000 | ' |
Loans individually evaluated for impairment | 46,327,000 | ' | 46,327,000 | ' | 61,017,000 |
Net (chargeoffs) recovery from asset sale | ' | -38,158,000 | ' | -38,158,000 | ' |
Loans collectively evaluated for impairment | 982,608,000 | ' | 982,608,000 | ' | 1,025,139,000 |
Allowance, Ending balance | 21,032,000 | 20,048,000 | 21,032,000 | 20,048,000 | 21,130,000 |
Ending balance | 1,028,935,000 | ' | 1,028,935,000 | ' | 1,086,156,000 |
Permanent Real Estate Loans [Member] | ' | ' | ' | ' | ' |
Financing Receivable, Allowance for Credit Losses [Line Items] | ' | ' | ' | ' | ' |
Allowance, Beginning balance | 12,129,000 | 22,121,000 | 13,819,000 | 31,323,000 | 31,323,000 |
Loans individually evaluated for impairment | 1,222,000 | ' | 1,222,000 | ' | 2,380,000 |
Provision | 2,286,000 | 27,905,000 | 5,064,000 | 32,539,000 | ' |
Loans collectively evaluated for impairment | 12,634,000 | ' | 12,634,000 | ' | 11,439,000 |
Chargeoffs | -651,000 | -2,267,000 | -5,794,000 | -16,328,000 | ' |
Allowance, Ending balance | 13,856,000 | 12,483,000 | 13,856,000 | 12,483,000 | ' |
Recoveries | 92,000 | 468,000 | 767,000 | 693,000 | ' |
Loans individually evaluated for impairment | 26,259,000 | ' | 26,259,000 | ' | 43,013,000 |
Net (chargeoffs) recovery from asset sale | ' | -35,744,000 | ' | -35,744,000 | ' |
Loans collectively evaluated for impairment | 742,473,000 | ' | 742,473,000 | ' | 769,155,000 |
Allowance, Ending balance | 13,856,000 | 12,483,000 | 13,856,000 | 12,483,000 | ' |
Ending balance | 768,732,000 | ' | 768,732,000 | ' | 812,168,000 |
Construction Loans [Member] | ' | ' | ' | ' | ' |
Financing Receivable, Allowance for Credit Losses [Line Items] | ' | ' | ' | ' | ' |
Allowance, Beginning balance | 1,803,000 | 2,490,000 | 1,404,000 | 4,493,000 | 4,493,000 |
Loans individually evaluated for impairment | 677,000 | ' | 677,000 | ' | 478,000 |
Provision | -1,800,000 | 1,678,000 | -1,354,000 | 2,293,000 | ' |
Loans collectively evaluated for impairment | 1,202,000 | ' | 1,202,000 | ' | 926,000 |
Chargeoffs | -37,000 | -543,000 | -402,000 | -3,213,000 | ' |
Allowance, Ending balance | 1,879,000 | 1,630,000 | 1,879,000 | 1,630,000 | ' |
Recoveries | 1,913,000 | 139,000 | 2,231,000 | 191,000 | ' |
Loans individually evaluated for impairment | 3,333,000 | ' | 3,333,000 | ' | 7,547,000 |
Net (chargeoffs) recovery from asset sale | ' | -2,134,000 | ' | -2,134,000 | ' |
Loans collectively evaluated for impairment | 35,599,000 | ' | 35,599,000 | ' | 25,305,000 |
Allowance, Ending balance | 1,879,000 | 1,630,000 | 1,879,000 | 1,630,000 | ' |
Ending balance | 38,932,000 | ' | 38,932,000 | ' | 32,852,000 |
Consumer Loans [Member] | ' | ' | ' | ' | ' |
Financing Receivable, Allowance for Credit Losses [Line Items] | ' | ' | ' | ' | ' |
Allowance, Beginning balance | 4,202,000 | 4,805,000 | 4,459,000 | 4,576,000 | 4,576,000 |
Loans individually evaluated for impairment | 524,000 | ' | 524,000 | ' | ' |
Provision | 394,000 | 1,288,000 | 967,000 | 2,422,000 | ' |
Loans collectively evaluated for impairment | 3,929,000 | ' | 3,929,000 | ' | 4,459,000 |
Chargeoffs | -400,000 | -839,000 | -1,514,000 | -2,198,000 | ' |
Allowance, Ending balance | 4,453,000 | 4,557,000 | 4,453,000 | 4,557,000 | ' |
Recoveries | 257,000 | 125,000 | 541,000 | 579,000 | ' |
Loans individually evaluated for impairment | 12,407,000 | ' | 12,407,000 | ' | 8,784,000 |
Net (chargeoffs) recovery from asset sale | ' | -822,000 | ' | -822,000 | ' |
Loans collectively evaluated for impairment | 181,976,000 | ' | 181,976,000 | ' | 205,809,000 |
Allowance, Ending balance | 4,453,000 | 4,557,000 | 4,453,000 | 4,557,000 | ' |
Ending balance | 194,383,000 | ' | 194,383,000 | ' | 214,593,000 |
Commercial Loans [Member] | ' | ' | ' | ' | ' |
Financing Receivable, Allowance for Credit Losses [Line Items] | ' | ' | ' | ' | ' |
Allowance, Beginning balance | 903,000 | 1,517,000 | 1,448,000 | 1,879,000 | 1,879,000 |
Loans individually evaluated for impairment | ' | ' | ' | ' | 166,000 |
Provision | -223,000 | -592,000 | -843,000 | -31,000 | ' |
Loans collectively evaluated for impairment | 844,000 | ' | 844,000 | ' | 1,282,000 |
Chargeoffs | -16,000 | -233,000 | -144,000 | -1,207,000 | ' |
Allowance, Ending balance | 844,000 | 1,378,000 | 844,000 | 1,378,000 | ' |
Recoveries | 180,000 | 144,000 | 383,000 | 195,000 | ' |
Loans individually evaluated for impairment | 4,328,000 | ' | 4,328,000 | ' | 1,673,000 |
Net (chargeoffs) recovery from asset sale | ' | 542,000 | ' | 542,000 | ' |
Loans collectively evaluated for impairment | 22,560,000 | ' | 22,560,000 | ' | 24,870,000 |
Allowance, Ending balance | 844,000 | 1,378,000 | 844,000 | 1,378,000 | ' |
Ending balance | $26,888,000 | ' | $26,888,000 | ' | $26,543,000 |
Loans_Presentation_of_Loans_In
Loans - Presentation of Loans Individually Evaluated for Impairment by Class (Detail) (USD $) | 3 Months Ended | 9 Months Ended | |||
In Thousands, unless otherwise specified | Sep. 30, 2013 | Sep. 30, 2012 | Sep. 30, 2013 | Sep. 30, 2012 | Dec. 31, 2012 |
Schedule Of Financial Receivables [Line Items] | ' | ' | ' | ' | ' |
With no specific allowance recorded, Unpaid principal Balance | $45,671 | $53,027 | $45,671 | $53,027 | $71,140 |
With no specific allowance recorded, Recorded Investment | 33,197 | 40,861 | 33,197 | 40,861 | 48,081 |
With no specific allowance recorded, Allowance for loan losses allocated | ' | ' | ' | ' | ' |
With no specific allowance recorded, Average recorded investment | 37,751 | 60,396 | 41,142 | 73,674 | ' |
With no specific allowance recorded, Interest income recognized | 243 | 262 | 658 | 607 | ' |
With no specific allowance recorded, Cash basis income recognized | 350 | 351 | 887 | 879 | ' |
With a specific allowance recorded, Unpaid principal balance | 15,118 | 36,316 | 15,118 | 36,316 | 18,115 |
With a specific allowance recorded, Recorded investment | 13,130 | 18,383 | 13,130 | 18,383 | 12,936 |
With a specific allowance recorded, Allowance for loan losses allocated | 2,423 | 2,129 | 2,423 | 2,129 | 3,024 |
With a specific allowance recorded, Average recorded investment | 8,871 | 33,579 | 12,580 | 46,941 | ' |
With a specific allowance recorded, Interest income recognized | 141 | 23 | 275 | 70 | ' |
With a specific allowance recorded, Cash basis income recognized | 142 | 30 | 287 | 133 | ' |
Total Unpaid Principal Balance | 60,789 | 89,343 | 60,789 | 89,343 | 89,255 |
Total Recorded Investment | 46,327 | 59,244 | 46,327 | 59,244 | 61,017 |
Total Allowance for Loan Losses Allocated | 2,423 | 2,129 | 2,423 | 2,129 | 3,024 |
Total Average Recorded Investment | 46,622 | 93,975 | 53,722 | 120,615 | ' |
Total Interest Income, Accrual Method | 384 | 285 | 933 | 677 | ' |
Total cash basis income recognized | 492 | 381 | 1,174 | 1,012 | ' |
Permanent Real Estate Loans [Member] | ' | ' | ' | ' | ' |
Schedule Of Financial Receivables [Line Items] | ' | ' | ' | ' | ' |
With no specific allowance recorded, Unpaid principal Balance | 25,717 | 33,529 | 25,717 | 33,529 | 37,662 |
With no specific allowance recorded, Recorded Investment | 18,826 | 31,065 | 18,826 | 31,065 | 34,467 |
With no specific allowance recorded, Allowance for loan losses allocated | ' | ' | ' | ' | ' |
With no specific allowance recorded, Average recorded investment | 21,386 | 47,751 | 26,183 | 57,931 | ' |
With no specific allowance recorded, Interest income recognized | 130 | 203 | 347 | 446 | ' |
With no specific allowance recorded, Cash basis income recognized | 189 | 228 | 438 | 535 | ' |
With a specific allowance recorded, Unpaid principal balance | 7,805 | 13,782 | 7,805 | 13,782 | 10,862 |
With a specific allowance recorded, Recorded investment | 7,433 | 10,497 | 7,433 | 10,497 | 8,546 |
With a specific allowance recorded, Allowance for loan losses allocated | 1,222 | 1,281 | 1,222 | 1,281 | 2,380 |
With a specific allowance recorded, Average recorded investment | 4,762 | 23,126 | 8,523 | 33,245 | ' |
With a specific allowance recorded, Interest income recognized | 98 | 18 | 192 | 55 | ' |
With a specific allowance recorded, Cash basis income recognized | 99 | 22 | 201 | 103 | ' |
Permanent Real Estate Loans [Member] | One-to Four-Family Residential [Member] | ' | ' | ' | ' | ' |
Schedule Of Financial Receivables [Line Items] | ' | ' | ' | ' | ' |
With no specific allowance recorded, Unpaid principal Balance | 14,687 | 17,027 | 14,687 | 17,027 | 18,672 |
With no specific allowance recorded, Recorded Investment | 12,469 | 15,594 | 12,469 | 15,594 | 16,947 |
With no specific allowance recorded, Allowance for loan losses allocated | ' | ' | ' | ' | ' |
With no specific allowance recorded, Average recorded investment | 14,977 | 22,316 | 16,088 | 25,431 | ' |
With no specific allowance recorded, Interest income recognized | 128 | 194 | 333 | 424 | ' |
With no specific allowance recorded, Cash basis income recognized | 165 | 205 | 385 | 461 | ' |
With a specific allowance recorded, Unpaid principal balance | 6,670 | ' | 6,670 | ' | 735 |
With a specific allowance recorded, Recorded investment | 6,665 | ' | 6,665 | ' | 735 |
With a specific allowance recorded, Allowance for loan losses allocated | 1,092 | ' | 1,092 | ' | 260 |
With a specific allowance recorded, Average recorded investment | 3,338 | 1,802 | 2,036 | 1,489 | ' |
With a specific allowance recorded, Interest income recognized | 98 | ' | 192 | ' | ' |
With a specific allowance recorded, Cash basis income recognized | 98 | ' | 193 | ' | ' |
Permanent Real Estate Loans [Member] | Multi-Family Residential [Member] | ' | ' | ' | ' | ' |
Schedule Of Financial Receivables [Line Items] | ' | ' | ' | ' | ' |
With no specific allowance recorded, Unpaid principal Balance | 737 | 610 | 737 | 610 | 1,173 |
With no specific allowance recorded, Recorded Investment | 643 | 515 | 643 | 515 | 1,078 |
With no specific allowance recorded, Allowance for loan losses allocated | ' | ' | ' | ' | ' |
With no specific allowance recorded, Average recorded investment | 652 | 2,688 | 766 | 3,363 | ' |
With no specific allowance recorded, Interest income recognized | ' | ' | 2 | ' | ' |
With no specific allowance recorded, Cash basis income recognized | 4 | 1 | 9 | 9 | ' |
With a specific allowance recorded, Unpaid principal balance | 185 | 1,026 | 185 | 1,026 | 996 |
With a specific allowance recorded, Recorded investment | 85 | 1,011 | 85 | 1,011 | 981 |
With a specific allowance recorded, Allowance for loan losses allocated | 25 | 57 | 25 | 57 | 57 |
With a specific allowance recorded, Average recorded investment | 85 | 3,102 | 554 | 2,742 | ' |
With a specific allowance recorded, Interest income recognized | ' | ' | ' | ' | ' |
With a specific allowance recorded, Cash basis income recognized | ' | ' | ' | 17 | ' |
Permanent Real Estate Loans [Member] | Nonresidential [Member] | ' | ' | ' | ' | ' |
Schedule Of Financial Receivables [Line Items] | ' | ' | ' | ' | ' |
With no specific allowance recorded, Unpaid principal Balance | 6,380 | 11,308 | 6,380 | 11,308 | 13,240 |
With no specific allowance recorded, Recorded Investment | 5,227 | 11,145 | 5,227 | 11,145 | 12,638 |
With no specific allowance recorded, Allowance for loan losses allocated | ' | ' | ' | ' | ' |
With no specific allowance recorded, Average recorded investment | 270 | 17,943 | 7,209 | 23,348 | ' |
With no specific allowance recorded, Interest income recognized | 2 | 9 | 12 | 22 | ' |
With no specific allowance recorded, Cash basis income recognized | 20 | 22 | 44 | 62 | ' |
With a specific allowance recorded, Unpaid principal balance | 950 | 8,168 | 950 | 8,168 | 5,218 |
With a specific allowance recorded, Recorded investment | 683 | 7,115 | 683 | 7,115 | 4,703 |
With a specific allowance recorded, Allowance for loan losses allocated | 105 | 956 | 105 | 956 | 1,336 |
With a specific allowance recorded, Average recorded investment | 1,339 | 15,467 | 4,869 | 25,788 | ' |
With a specific allowance recorded, Interest income recognized | ' | 18 | ' | 55 | ' |
With a specific allowance recorded, Cash basis income recognized | 1 | 22 | 8 | 74 | ' |
Permanent Real Estate Loans [Member] | Land [Member] | ' | ' | ' | ' | ' |
Schedule Of Financial Receivables [Line Items] | ' | ' | ' | ' | ' |
With no specific allowance recorded, Unpaid principal Balance | 3,913 | 4,584 | 3,913 | 4,584 | 4,577 |
With no specific allowance recorded, Recorded Investment | 487 | 3,811 | 487 | 3,811 | 3,804 |
With no specific allowance recorded, Allowance for loan losses allocated | ' | ' | ' | ' | ' |
With no specific allowance recorded, Average recorded investment | 487 | 4,804 | 2,120 | 5,789 | ' |
With no specific allowance recorded, Interest income recognized | ' | ' | ' | ' | ' |
With no specific allowance recorded, Cash basis income recognized | ' | ' | ' | 3 | ' |
With a specific allowance recorded, Unpaid principal balance | ' | 4,588 | ' | 4,588 | 3,913 |
With a specific allowance recorded, Recorded investment | ' | 2,371 | ' | 2,371 | 2,127 |
With a specific allowance recorded, Allowance for loan losses allocated | ' | 268 | ' | 268 | 727 |
With a specific allowance recorded, Average recorded investment | ' | 2,755 | 1,064 | 3,226 | ' |
With a specific allowance recorded, Interest income recognized | ' | ' | ' | ' | ' |
With a specific allowance recorded, Cash basis income recognized | ' | ' | ' | 12 | ' |
Construction Loans [Member] | ' | ' | ' | ' | ' |
Schedule Of Financial Receivables [Line Items] | ' | ' | ' | ' | ' |
With no specific allowance recorded, Unpaid principal Balance | 1,501 | 7,052 | 1,501 | 7,052 | 18,483 |
With no specific allowance recorded, Recorded Investment | 1,092 | 2,553 | 1,092 | 2,553 | 3,580 |
With no specific allowance recorded, Allowance for loan losses allocated | ' | ' | ' | ' | ' |
With no specific allowance recorded, Average recorded investment | 1,587 | 5,157 | 2,070 | 8,289 | ' |
With no specific allowance recorded, Interest income recognized | ' | 3 | ' | 9 | ' |
With no specific allowance recorded, Cash basis income recognized | ' | 7 | 2 | 21 | ' |
With a specific allowance recorded, Unpaid principal balance | 3,829 | 21,648 | 3,829 | 21,648 | 6,455 |
With a specific allowance recorded, Recorded investment | 2,241 | 7,427 | 2,241 | 7,427 | 3,967 |
With a specific allowance recorded, Allowance for loan losses allocated | 677 | 664 | 677 | 664 | 478 |
With a specific allowance recorded, Average recorded investment | 2,279 | 9,913 | 2,984 | 13,032 | ' |
With a specific allowance recorded, Interest income recognized | ' | 5 | ' | 15 | ' |
With a specific allowance recorded, Cash basis income recognized | ' | 8 | ' | 27 | ' |
Construction Loans [Member] | One-to Four-Family Residential [Member] | ' | ' | ' | ' | ' |
Schedule Of Financial Receivables [Line Items] | ' | ' | ' | ' | ' |
With no specific allowance recorded, Unpaid principal Balance | 1,501 | 6,465 | 1,501 | 6,465 | 17,912 |
With no specific allowance recorded, Recorded Investment | 1,092 | 2,553 | 1,092 | 2,553 | 3,580 |
With no specific allowance recorded, Allowance for loan losses allocated | ' | ' | ' | ' | ' |
With no specific allowance recorded, Average recorded investment | 1,587 | 5,157 | 2,070 | 8,289 | ' |
With no specific allowance recorded, Interest income recognized | ' | 3 | ' | 9 | ' |
With no specific allowance recorded, Cash basis income recognized | ' | 7 | 2 | 21 | ' |
With a specific allowance recorded, Unpaid principal balance | 3,829 | 21,648 | 3,829 | 21,648 | 6,455 |
With a specific allowance recorded, Recorded investment | 2,241 | 7,427 | 2,241 | 7,427 | 3,967 |
With a specific allowance recorded, Allowance for loan losses allocated | 677 | 664 | 677 | 664 | 478 |
With a specific allowance recorded, Average recorded investment | 2,279 | 9,913 | 2,984 | 13,032 | ' |
With a specific allowance recorded, Interest income recognized | ' | 5 | ' | 15 | ' |
With a specific allowance recorded, Cash basis income recognized | ' | 8 | ' | 27 | ' |
Construction Loans [Member] | Multi-Family and Nonresidential [Member] | ' | ' | ' | ' | ' |
Schedule Of Financial Receivables [Line Items] | ' | ' | ' | ' | ' |
With no specific allowance recorded, Unpaid principal Balance | ' | 587 | ' | 587 | 571 |
With no specific allowance recorded, Recorded Investment | ' | ' | ' | ' | ' |
With no specific allowance recorded, Allowance for loan losses allocated | ' | ' | ' | ' | ' |
With no specific allowance recorded, Average recorded investment | ' | ' | ' | ' | ' |
With no specific allowance recorded, Interest income recognized | ' | ' | ' | ' | ' |
With no specific allowance recorded, Cash basis income recognized | ' | ' | ' | ' | ' |
With a specific allowance recorded, Unpaid principal balance | ' | ' | ' | ' | ' |
With a specific allowance recorded, Recorded investment | ' | ' | ' | ' | ' |
With a specific allowance recorded, Allowance for loan losses allocated | ' | ' | ' | ' | ' |
With a specific allowance recorded, Average recorded investment | ' | ' | ' | ' | ' |
With a specific allowance recorded, Interest income recognized | ' | ' | ' | ' | ' |
With a specific allowance recorded, Cash basis income recognized | ' | ' | ' | ' | ' |
Consumer Loans [Member] | ' | ' | ' | ' | ' |
Schedule Of Financial Receivables [Line Items] | ' | ' | ' | ' | ' |
With no specific allowance recorded, Unpaid principal Balance | 9,555 | 7,082 | 9,555 | 7,082 | 10,012 |
With no specific allowance recorded, Recorded Investment | 8,951 | 5,822 | 8,951 | 5,822 | 8,784 |
With no specific allowance recorded, Allowance for loan losses allocated | ' | ' | ' | ' | ' |
With no specific allowance recorded, Average recorded investment | 10,357 | 5,925 | 9,903 | 5,162 | ' |
With no specific allowance recorded, Interest income recognized | 113 | 50 | 310 | 133 | ' |
With no specific allowance recorded, Cash basis income recognized | 125 | 85 | 350 | 214 | ' |
With a specific allowance recorded, Unpaid principal balance | 3,484 | 88 | 3,484 | 88 | ' |
With a specific allowance recorded, Recorded investment | 3,456 | 36 | 3,456 | 36 | ' |
With a specific allowance recorded, Allowance for loan losses allocated | 524 | 18 | 524 | 18 | ' |
With a specific allowance recorded, Average recorded investment | 1,728 | 36 | 865 | 157 | ' |
With a specific allowance recorded, Interest income recognized | 43 | ' | 83 | ' | ' |
With a specific allowance recorded, Cash basis income recognized | 43 | ' | 86 | ' | ' |
Consumer Loans [Member] | Home Equity [Member] | ' | ' | ' | ' | ' |
Schedule Of Financial Receivables [Line Items] | ' | ' | ' | ' | ' |
With no specific allowance recorded, Unpaid principal Balance | 9,073 | 5,921 | 9,073 | 5,921 | 8,867 |
With no specific allowance recorded, Recorded Investment | 8,511 | 4,956 | 8,511 | 4,956 | 7,958 |
With no specific allowance recorded, Allowance for loan losses allocated | ' | ' | ' | ' | ' |
With no specific allowance recorded, Average recorded investment | 9,467 | 4,953 | 8,942 | 4,365 | ' |
With no specific allowance recorded, Interest income recognized | 109 | 50 | 300 | 133 | ' |
With no specific allowance recorded, Cash basis income recognized | 116 | 64 | 328 | 163 | ' |
With a specific allowance recorded, Unpaid principal balance | 2,728 | ' | 2,728 | ' | ' |
With a specific allowance recorded, Recorded investment | 2,728 | ' | 2,728 | ' | ' |
With a specific allowance recorded, Allowance for loan losses allocated | 365 | ' | 365 | ' | ' |
With a specific allowance recorded, Average recorded investment | 1,364 | ' | 683 | ' | ' |
With a specific allowance recorded, Interest income recognized | 38 | ' | 69 | ' | ' |
With a specific allowance recorded, Cash basis income recognized | 38 | ' | 72 | ' | ' |
Consumer Loans [Member] | Auto [Member] | ' | ' | ' | ' | ' |
Schedule Of Financial Receivables [Line Items] | ' | ' | ' | ' | ' |
With no specific allowance recorded, Unpaid principal Balance | 50 | 72 | 50 | 72 | 68 |
With no specific allowance recorded, Recorded Investment | 33 | 52 | 33 | 52 | 44 |
With no specific allowance recorded, Allowance for loan losses allocated | ' | ' | ' | ' | ' |
With no specific allowance recorded, Average recorded investment | 39 | 55 | 40 | 56 | ' |
With no specific allowance recorded, Interest income recognized | ' | ' | 1 | ' | ' |
With no specific allowance recorded, Cash basis income recognized | 1 | 1 | 3 | 4 | ' |
With a specific allowance recorded, Unpaid principal balance | ' | ' | ' | ' | ' |
With a specific allowance recorded, Recorded investment | ' | ' | ' | ' | ' |
With a specific allowance recorded, Allowance for loan losses allocated | ' | ' | ' | ' | ' |
With a specific allowance recorded, Average recorded investment | ' | ' | ' | ' | ' |
With a specific allowance recorded, Interest income recognized | ' | ' | ' | ' | ' |
With a specific allowance recorded, Cash basis income recognized | ' | ' | ' | ' | ' |
Consumer Loans [Member] | Marine [Member] | ' | ' | ' | ' | ' |
Schedule Of Financial Receivables [Line Items] | ' | ' | ' | ' | ' |
With no specific allowance recorded, Unpaid principal Balance | 162 | 170 | 162 | 170 | 190 |
With no specific allowance recorded, Recorded Investment | 162 | 170 | 162 | 170 | 190 |
With no specific allowance recorded, Allowance for loan losses allocated | ' | ' | ' | ' | ' |
With no specific allowance recorded, Average recorded investment | 174 | 262 | 182 | 220 | ' |
With no specific allowance recorded, Interest income recognized | ' | ' | ' | ' | ' |
With no specific allowance recorded, Cash basis income recognized | 2 | 4 | 7 | 9 | ' |
With a specific allowance recorded, Unpaid principal balance | ' | ' | ' | ' | ' |
With a specific allowance recorded, Recorded investment | ' | ' | ' | ' | ' |
With a specific allowance recorded, Allowance for loan losses allocated | ' | ' | ' | ' | ' |
With a specific allowance recorded, Average recorded investment | ' | ' | ' | 121 | ' |
With a specific allowance recorded, Interest income recognized | ' | ' | ' | ' | ' |
With a specific allowance recorded, Cash basis income recognized | ' | ' | ' | ' | ' |
Consumer Loans [Member] | Recreational Vehicles [Member] | ' | ' | ' | ' | ' |
Schedule Of Financial Receivables [Line Items] | ' | ' | ' | ' | ' |
With no specific allowance recorded, Unpaid principal Balance | 270 | 912 | 270 | 912 | 887 |
With no specific allowance recorded, Recorded Investment | 245 | 637 | 245 | 637 | 592 |
With no specific allowance recorded, Allowance for loan losses allocated | ' | ' | ' | ' | ' |
With no specific allowance recorded, Average recorded investment | 677 | 648 | 737 | 514 | ' |
With no specific allowance recorded, Interest income recognized | 4 | ' | 9 | ' | ' |
With no specific allowance recorded, Cash basis income recognized | 6 | 16 | 12 | 37 | ' |
With a specific allowance recorded, Unpaid principal balance | 756 | 88 | 756 | 88 | ' |
With a specific allowance recorded, Recorded investment | 728 | 36 | 728 | 36 | ' |
With a specific allowance recorded, Allowance for loan losses allocated | 159 | 18 | 159 | 18 | ' |
With a specific allowance recorded, Average recorded investment | 364 | 36 | 182 | 36 | ' |
With a specific allowance recorded, Interest income recognized | 5 | ' | 14 | ' | ' |
With a specific allowance recorded, Cash basis income recognized | 5 | ' | 14 | ' | ' |
Consumer Loans [Member] | Others [Member] | ' | ' | ' | ' | ' |
Schedule Of Financial Receivables [Line Items] | ' | ' | ' | ' | ' |
With no specific allowance recorded, Unpaid principal Balance | ' | 7 | ' | 7 | ' |
With no specific allowance recorded, Recorded Investment | ' | 7 | ' | 7 | ' |
With no specific allowance recorded, Allowance for loan losses allocated | ' | ' | ' | ' | ' |
With no specific allowance recorded, Average recorded investment | ' | 7 | 2 | 7 | ' |
With no specific allowance recorded, Interest income recognized | ' | ' | ' | ' | ' |
With no specific allowance recorded, Cash basis income recognized | ' | ' | ' | 1 | ' |
With a specific allowance recorded, Unpaid principal balance | ' | ' | ' | ' | ' |
With a specific allowance recorded, Recorded investment | ' | ' | ' | ' | ' |
With a specific allowance recorded, Allowance for loan losses allocated | ' | ' | ' | ' | ' |
With a specific allowance recorded, Average recorded investment | ' | ' | ' | ' | ' |
With a specific allowance recorded, Interest income recognized | ' | ' | ' | ' | ' |
With a specific allowance recorded, Cash basis income recognized | ' | ' | ' | ' | ' |
Commercial Loans [Member] | ' | ' | ' | ' | ' |
Schedule Of Financial Receivables [Line Items] | ' | ' | ' | ' | ' |
With no specific allowance recorded, Unpaid principal Balance | 8,898 | 5,364 | 8,898 | 5,364 | 4,983 |
With no specific allowance recorded, Recorded Investment | 4,328 | 1,421 | 4,328 | 1,421 | 1,250 |
With no specific allowance recorded, Allowance for loan losses allocated | ' | ' | ' | ' | ' |
With no specific allowance recorded, Average recorded investment | 4,421 | 1,563 | 2,986 | 2,292 | ' |
With no specific allowance recorded, Interest income recognized | ' | 6 | 1 | 19 | ' |
With no specific allowance recorded, Cash basis income recognized | 36 | 31 | 97 | 109 | ' |
With a specific allowance recorded, Unpaid principal balance | ' | 798 | ' | 798 | 798 |
With a specific allowance recorded, Recorded investment | ' | 423 | ' | 423 | 423 |
With a specific allowance recorded, Allowance for loan losses allocated | ' | 166 | ' | 166 | 166 |
With a specific allowance recorded, Average recorded investment | 102 | 504 | 208 | 507 | ' |
With a specific allowance recorded, Interest income recognized | ' | ' | ' | ' | ' |
With a specific allowance recorded, Cash basis income recognized | ' | ' | ' | 3 | ' |
Commercial Loans [Member] | Secured [Member] | ' | ' | ' | ' | ' |
Schedule Of Financial Receivables [Line Items] | ' | ' | ' | ' | ' |
With no specific allowance recorded, Unpaid principal Balance | 4,701 | 2,298 | 4,701 | 2,298 | 2,122 |
With no specific allowance recorded, Recorded Investment | 4,328 | 1,378 | 4,328 | 1,378 | 1,212 |
With no specific allowance recorded, Allowance for loan losses allocated | ' | ' | ' | ' | ' |
With no specific allowance recorded, Average recorded investment | 4,420 | 1,438 | 2,798 | 1,948 | ' |
With no specific allowance recorded, Interest income recognized | ' | 6 | ' | 18 | ' |
With no specific allowance recorded, Cash basis income recognized | 8 | 28 | 41 | 97 | ' |
With a specific allowance recorded, Unpaid principal balance | ' | 798 | ' | 798 | 798 |
With a specific allowance recorded, Recorded investment | ' | 423 | ' | 423 | 423 |
With a specific allowance recorded, Allowance for loan losses allocated | ' | 166 | ' | 166 | 166 |
With a specific allowance recorded, Average recorded investment | 102 | 504 | 208 | 488 | ' |
With a specific allowance recorded, Interest income recognized | ' | ' | ' | ' | ' |
With a specific allowance recorded, Cash basis income recognized | ' | ' | ' | 3 | ' |
Commercial Loans [Member] | Unsecured [Member] | ' | ' | ' | ' | ' |
Schedule Of Financial Receivables [Line Items] | ' | ' | ' | ' | ' |
With no specific allowance recorded, Unpaid principal Balance | 4,197 | 3,066 | 4,197 | 3,066 | 2,861 |
With no specific allowance recorded, Recorded Investment | ' | 43 | ' | 43 | 38 |
With no specific allowance recorded, Allowance for loan losses allocated | ' | ' | ' | ' | ' |
With no specific allowance recorded, Average recorded investment | 1 | 125 | 188 | 344 | ' |
With no specific allowance recorded, Interest income recognized | ' | ' | 1 | 1 | ' |
With no specific allowance recorded, Cash basis income recognized | 28 | 3 | 56 | 12 | ' |
With a specific allowance recorded, Unpaid principal balance | ' | ' | ' | ' | ' |
With a specific allowance recorded, Recorded investment | ' | ' | ' | ' | ' |
With a specific allowance recorded, Allowance for loan losses allocated | ' | ' | ' | ' | ' |
With a specific allowance recorded, Average recorded investment | ' | ' | ' | 19 | ' |
With a specific allowance recorded, Interest income recognized | ' | ' | ' | ' | ' |
With a specific allowance recorded, Cash basis income recognized | ' | ' | ' | ' | ' |
Loans_Presentation_of_Recorded
Loans - Presentation of Recorded Investment in Nonaccrual Loans and Loans Past Due Over 90 Days and Still on Accrual by Class of Loans (Detail) (USD $) | Sep. 30, 2013 | Dec. 31, 2012 |
In Thousands, unless otherwise specified | ||
Financing Receivable, Recorded Investment, Past Due [Line Items] | ' | ' |
Financing receivable, recorded investment, Nonaccrual | $24,359 | $44,109 |
Financing receivable, recorded investment, Loans past due over 90 days and still accruing | 3,125 | 3,678 |
Permanent Real Estate Loans [Member] | ' | ' |
Financing Receivable, Recorded Investment, Past Due [Line Items] | ' | ' |
Financing receivable, recorded investment, Nonaccrual | 13,299 | 30,576 |
Financing receivable, recorded investment, Loans past due over 90 days and still accruing | 3,125 | 3,678 |
Permanent Real Estate Loans [Member] | One-to Four-Family Residential [Member] | ' | ' |
Financing Receivable, Recorded Investment, Past Due [Line Items] | ' | ' |
Financing receivable, recorded investment, Nonaccrual | 6,127 | 5,437 |
Financing receivable, recorded investment, Loans past due over 90 days and still accruing | ' | ' |
Permanent Real Estate Loans [Member] | Multi-Family Residential [Member] | ' | ' |
Financing Receivable, Recorded Investment, Past Due [Line Items] | ' | ' |
Financing receivable, recorded investment, Nonaccrual | 705 | 2,027 |
Financing receivable, recorded investment, Loans past due over 90 days and still accruing | ' | ' |
Permanent Real Estate Loans [Member] | Nonresidential [Member] | ' | ' |
Financing Receivable, Recorded Investment, Past Due [Line Items] | ' | ' |
Financing receivable, recorded investment, Nonaccrual | 5,839 | 17,065 |
Financing receivable, recorded investment, Loans past due over 90 days and still accruing | 3,125 | 3,678 |
Permanent Real Estate Loans [Member] | Land [Member] | ' | ' |
Financing Receivable, Recorded Investment, Past Due [Line Items] | ' | ' |
Financing receivable, recorded investment, Nonaccrual | 628 | 6,047 |
Financing receivable, recorded investment, Loans past due over 90 days and still accruing | ' | ' |
Construction Loans [Member] | ' | ' |
Financing Receivable, Recorded Investment, Past Due [Line Items] | ' | ' |
Financing receivable, recorded investment, Nonaccrual | 3,320 | 7,466 |
Financing receivable, recorded investment, Loans past due over 90 days and still accruing | ' | ' |
Construction Loans [Member] | One-to Four-Family Residential [Member] | ' | ' |
Financing Receivable, Recorded Investment, Past Due [Line Items] | ' | ' |
Financing receivable, recorded investment, Nonaccrual | 3,320 | 7,466 |
Financing receivable, recorded investment, Loans past due over 90 days and still accruing | ' | ' |
Construction Loans [Member] | Multi-Family and Nonresidential [Member] | ' | ' |
Financing Receivable, Recorded Investment, Past Due [Line Items] | ' | ' |
Financing receivable, recorded investment, Nonaccrual | ' | ' |
Financing receivable, recorded investment, Loans past due over 90 days and still accruing | ' | ' |
Consumer Loans [Member] | ' | ' |
Financing Receivable, Recorded Investment, Past Due [Line Items] | ' | ' |
Financing receivable, recorded investment, Nonaccrual | 3,563 | 4,842 |
Financing receivable, recorded investment, Loans past due over 90 days and still accruing | ' | ' |
Consumer Loans [Member] | Home Equity [Member] | ' | ' |
Financing Receivable, Recorded Investment, Past Due [Line Items] | ' | ' |
Financing receivable, recorded investment, Nonaccrual | 3,134 | 3,298 |
Financing receivable, recorded investment, Loans past due over 90 days and still accruing | ' | ' |
Consumer Loans [Member] | Auto [Member] | ' | ' |
Financing Receivable, Recorded Investment, Past Due [Line Items] | ' | ' |
Financing receivable, recorded investment, Nonaccrual | 100 | 105 |
Financing receivable, recorded investment, Loans past due over 90 days and still accruing | ' | ' |
Consumer Loans [Member] | Marine [Member] | ' | ' |
Financing Receivable, Recorded Investment, Past Due [Line Items] | ' | ' |
Financing receivable, recorded investment, Nonaccrual | 140 | 176 |
Financing receivable, recorded investment, Loans past due over 90 days and still accruing | ' | ' |
Consumer Loans [Member] | Recreational Vehicles [Member] | ' | ' |
Financing Receivable, Recorded Investment, Past Due [Line Items] | ' | ' |
Financing receivable, recorded investment, Nonaccrual | 184 | 1,259 |
Financing receivable, recorded investment, Loans past due over 90 days and still accruing | ' | ' |
Consumer Loans [Member] | Others [Member] | ' | ' |
Financing Receivable, Recorded Investment, Past Due [Line Items] | ' | ' |
Financing receivable, recorded investment, Nonaccrual | 5 | 4 |
Financing receivable, recorded investment, Loans past due over 90 days and still accruing | ' | ' |
Commercial Loans [Member] | ' | ' |
Financing Receivable, Recorded Investment, Past Due [Line Items] | ' | ' |
Financing receivable, recorded investment, Nonaccrual | 4,177 | 1,225 |
Financing receivable, recorded investment, Loans past due over 90 days and still accruing | ' | ' |
Commercial Loans [Member] | Secured [Member] | ' | ' |
Financing Receivable, Recorded Investment, Past Due [Line Items] | ' | ' |
Financing receivable, recorded investment, Nonaccrual | 4,036 | 1,194 |
Financing receivable, recorded investment, Loans past due over 90 days and still accruing | ' | ' |
Commercial Loans [Member] | Unsecured [Member] | ' | ' |
Financing Receivable, Recorded Investment, Past Due [Line Items] | ' | ' |
Financing receivable, recorded investment, Nonaccrual | 141 | 31 |
Financing receivable, recorded investment, Loans past due over 90 days and still accruing | ' | ' |
Loans_Presentation_of_Age_Anal
Loans - Presentation of Age Analysis of Past-Due Loans, Segregated by Class of Loans (Detail) (USD $) | Sep. 30, 2013 | Dec. 31, 2012 |
In Thousands, unless otherwise specified | ||
Financing Receivable, Recorded Investment, Past Due [Line Items] | ' | ' |
30-59 Days Past Due | $2,434 | $3,923 |
60-89 Days Past Due | 1,114 | 2,203 |
Greater than 90 Days Past Due | 24,359 | 42,056 |
Total Past Due | 27,907 | 48,182 |
Current Loans | 1,001,028 | 1,037,974 |
Ending balance | 1,028,935 | 1,086,156 |
Permanent Real Estate Loans [Member] | ' | ' |
Financing Receivable, Recorded Investment, Past Due [Line Items] | ' | ' |
30-59 Days Past Due | 1,537 | 2,236 |
60-89 Days Past Due | 467 | 960 |
Greater than 90 Days Past Due | 14,164 | 32,111 |
Total Past Due | 16,168 | 35,307 |
Current Loans | 752,564 | 776,861 |
Ending balance | 768,732 | 812,168 |
Permanent Real Estate Loans [Member] | One-to Four-Family Residential [Member] | ' | ' |
Financing Receivable, Recorded Investment, Past Due [Line Items] | ' | ' |
30-59 Days Past Due | 1,292 | 1,995 |
60-89 Days Past Due | 405 | 784 |
Greater than 90 Days Past Due | 4,471 | 4,495 |
Total Past Due | 6,168 | 7,274 |
Current Loans | 569,623 | 569,975 |
Ending balance | 575,791 | 577,249 |
Permanent Real Estate Loans [Member] | Multi-Family Residential [Member] | ' | ' |
Financing Receivable, Recorded Investment, Past Due [Line Items] | ' | ' |
30-59 Days Past Due | 112 | 158 |
60-89 Days Past Due | ' | ' |
Greater than 90 Days Past Due | 240 | 1,630 |
Total Past Due | 352 | 1,788 |
Current Loans | 55,344 | 79,135 |
Ending balance | 55,696 | 80,923 |
Permanent Real Estate Loans [Member] | Nonresidential [Member] | ' | ' |
Financing Receivable, Recorded Investment, Past Due [Line Items] | ' | ' |
30-59 Days Past Due | 133 | ' |
60-89 Days Past Due | 18 | 176 |
Greater than 90 Days Past Due | 8,826 | 19,942 |
Total Past Due | 8,977 | 20,118 |
Current Loans | 118,722 | 118,070 |
Ending balance | 127,699 | 138,188 |
Permanent Real Estate Loans [Member] | Land [Member] | ' | ' |
Financing Receivable, Recorded Investment, Past Due [Line Items] | ' | ' |
30-59 Days Past Due | ' | 83 |
60-89 Days Past Due | 44 | ' |
Greater than 90 Days Past Due | 627 | 6,044 |
Total Past Due | 671 | 6,127 |
Current Loans | 8,875 | 9,681 |
Ending balance | 9,546 | 15,808 |
Construction Loans [Member] | ' | ' |
Financing Receivable, Recorded Investment, Past Due [Line Items] | ' | ' |
30-59 Days Past Due | ' | 54 |
60-89 Days Past Due | 49 | ' |
Greater than 90 Days Past Due | 3,320 | 7,398 |
Total Past Due | 3,369 | 7,452 |
Current Loans | 35,563 | 25,400 |
Ending balance | 38,932 | 32,852 |
Construction Loans [Member] | One-to Four-Family Residential [Member] | ' | ' |
Financing Receivable, Recorded Investment, Past Due [Line Items] | ' | ' |
30-59 Days Past Due | ' | 54 |
60-89 Days Past Due | 49 | ' |
Greater than 90 Days Past Due | 3,320 | 7,398 |
Total Past Due | 3,369 | 7,452 |
Current Loans | 30,411 | 20,866 |
Ending balance | 33,780 | 28,318 |
Construction Loans [Member] | Multi-Family and Nonresidential [Member] | ' | ' |
Financing Receivable, Recorded Investment, Past Due [Line Items] | ' | ' |
30-59 Days Past Due | ' | ' |
60-89 Days Past Due | ' | ' |
Greater than 90 Days Past Due | ' | ' |
Total Past Due | ' | ' |
Current Loans | 5,152 | 4,534 |
Ending balance | 5,152 | 4,534 |
Consumer Loans [Member] | ' | ' |
Financing Receivable, Recorded Investment, Past Due [Line Items] | ' | ' |
30-59 Days Past Due | 897 | 1,617 |
60-89 Days Past Due | 598 | 515 |
Greater than 90 Days Past Due | 2,718 | 2,518 |
Total Past Due | 4,213 | 4,650 |
Current Loans | 190,170 | 209,943 |
Ending balance | 194,383 | 214,593 |
Consumer Loans [Member] | Home Equity [Member] | ' | ' |
Financing Receivable, Recorded Investment, Past Due [Line Items] | ' | ' |
30-59 Days Past Due | 517 | 1,135 |
60-89 Days Past Due | 427 | 475 |
Greater than 90 Days Past Due | 2,587 | 2,071 |
Total Past Due | 3,531 | 3,681 |
Current Loans | 160,335 | 173,549 |
Ending balance | 163,866 | 177,230 |
Consumer Loans [Member] | Auto [Member] | ' | ' |
Financing Receivable, Recorded Investment, Past Due [Line Items] | ' | ' |
30-59 Days Past Due | 16 | 35 |
60-89 Days Past Due | ' | 7 |
Greater than 90 Days Past Due | 53 | 83 |
Total Past Due | 69 | 125 |
Current Loans | 5,874 | 7,523 |
Ending balance | 5,943 | 7,648 |
Consumer Loans [Member] | Marine [Member] | ' | ' |
Financing Receivable, Recorded Investment, Past Due [Line Items] | ' | ' |
30-59 Days Past Due | ' | ' |
60-89 Days Past Due | 41 | ' |
Greater than 90 Days Past Due | ' | 8 |
Total Past Due | 41 | 8 |
Current Loans | 4,391 | 4,934 |
Ending balance | 4,432 | 4,942 |
Consumer Loans [Member] | Recreational Vehicles [Member] | ' | ' |
Financing Receivable, Recorded Investment, Past Due [Line Items] | ' | ' |
30-59 Days Past Due | 342 | 447 |
60-89 Days Past Due | 129 | 32 |
Greater than 90 Days Past Due | 76 | 353 |
Total Past Due | 547 | 832 |
Current Loans | 17,392 | 21,418 |
Ending balance | 17,939 | 22,250 |
Consumer Loans [Member] | Others [Member] | ' | ' |
Financing Receivable, Recorded Investment, Past Due [Line Items] | ' | ' |
30-59 Days Past Due | 22 | ' |
60-89 Days Past Due | 1 | 1 |
Greater than 90 Days Past Due | 2 | 3 |
Total Past Due | 25 | 4 |
Current Loans | 2,178 | 2,519 |
Ending balance | 2,203 | 2,523 |
Commercial Loans [Member] | ' | ' |
Financing Receivable, Recorded Investment, Past Due [Line Items] | ' | ' |
30-59 Days Past Due | ' | 16 |
60-89 Days Past Due | ' | 728 |
Greater than 90 Days Past Due | 4,157 | 29 |
Total Past Due | 4,157 | 773 |
Current Loans | 22,731 | 25,770 |
Ending balance | 26,888 | 26,543 |
Commercial Loans [Member] | Secured [Member] | ' | ' |
Financing Receivable, Recorded Investment, Past Due [Line Items] | ' | ' |
30-59 Days Past Due | ' | 16 |
60-89 Days Past Due | ' | ' |
Greater than 90 Days Past Due | 4,016 | 23 |
Total Past Due | 4,016 | 39 |
Current Loans | 22,097 | 24,204 |
Ending balance | 26,113 | 24,243 |
Commercial Loans [Member] | Unsecured [Member] | ' | ' |
Financing Receivable, Recorded Investment, Past Due [Line Items] | ' | ' |
30-59 Days Past Due | ' | ' |
60-89 Days Past Due | ' | 728 |
Greater than 90 Days Past Due | 141 | 6 |
Total Past Due | 141 | 734 |
Current Loans | 634 | 1,566 |
Ending balance | $775 | $2,300 |
Loans_Loans_by_Class_Modified_
Loans - Loans by Class Modified as Troubled Debt Restructuring (Detail) (USD $) | 3 Months Ended | 9 Months Ended | ||
In Thousands, unless otherwise specified | Sep. 30, 2013 | Sep. 30, 2012 | Sep. 30, 2013 | Sep. 30, 2012 |
SecurityLoan | SecurityLoan | SecurityLoan | SecurityLoan | |
Financing Receivable Modifications Number Of Contracts [Line Items] | ' | ' | ' | ' |
Number of Loans | 45 | 36 | 139 | 110 |
Pre-Modification Outstanding Recorded Investment | $2,753 | $3,248 | $11,491 | $10,499 |
Post- Modification Recorded Investment | 2,712 | 3,329 | 9,479 | 10,483 |
Permanent Real Estate Loans [Member] | ' | ' | ' | ' |
Financing Receivable Modifications Number Of Contracts [Line Items] | ' | ' | ' | ' |
Number of Loans | 14 | 17 | 40 | 45 |
Pre-Modification Outstanding Recorded Investment | 1,316 | 537 | 5,795 | 4,706 |
Post- Modification Recorded Investment | 1,363 | 537 | 3,966 | 4,663 |
Permanent Real Estate Loans [Member] | One-to Four-Family Residential [Member] | ' | ' | ' | ' |
Financing Receivable Modifications Number Of Contracts [Line Items] | ' | ' | ' | ' |
Number of Loans | 14 | 17 | 36 | 38 |
Pre-Modification Outstanding Recorded Investment | 1,316 | 537 | 3,158 | 2,843 |
Post- Modification Recorded Investment | 1,363 | 537 | 2,969 | 2,801 |
Permanent Real Estate Loans [Member] | Multi-Family Residential [Member] | ' | ' | ' | ' |
Financing Receivable Modifications Number Of Contracts [Line Items] | ' | ' | ' | ' |
Number of Loans | ' | ' | 1 | 6 |
Pre-Modification Outstanding Recorded Investment | ' | ' | 469 | 1,439 |
Post- Modification Recorded Investment | ' | ' | 469 | 1,438 |
Permanent Real Estate Loans [Member] | Nonresidential [Member] | ' | ' | ' | ' |
Financing Receivable Modifications Number Of Contracts [Line Items] | ' | ' | ' | ' |
Number of Loans | ' | ' | 1 | 1 |
Pre-Modification Outstanding Recorded Investment | ' | ' | 41 | 424 |
Post- Modification Recorded Investment | ' | ' | 41 | 424 |
Permanent Real Estate Loans [Member] | Land [Member] | ' | ' | ' | ' |
Financing Receivable Modifications Number Of Contracts [Line Items] | ' | ' | ' | ' |
Number of Loans | ' | ' | 2 | ' |
Pre-Modification Outstanding Recorded Investment | ' | ' | 2,127 | ' |
Post- Modification Recorded Investment | ' | ' | 487 | ' |
Construction Loans [Member] | ' | ' | ' | ' |
Financing Receivable Modifications Number Of Contracts [Line Items] | ' | ' | ' | ' |
Number of Loans | ' | ' | 1 | 3 |
Pre-Modification Outstanding Recorded Investment | ' | ' | 942 | 853 |
Post- Modification Recorded Investment | ' | ' | 823 | 830 |
Construction Loans [Member] | One-to Four-Family Residential [Member] | ' | ' | ' | ' |
Financing Receivable Modifications Number Of Contracts [Line Items] | ' | ' | ' | ' |
Number of Loans | ' | ' | 1 | 3 |
Pre-Modification Outstanding Recorded Investment | ' | ' | 942 | 853 |
Post- Modification Recorded Investment | ' | ' | 823 | 830 |
Construction Loans [Member] | Multi-Family and Nonresidential [Member] | ' | ' | ' | ' |
Financing Receivable Modifications Number Of Contracts [Line Items] | ' | ' | ' | ' |
Number of Loans | ' | ' | ' | ' |
Pre-Modification Outstanding Recorded Investment | ' | ' | ' | ' |
Post- Modification Recorded Investment | ' | ' | ' | ' |
Consumer Loans [Member] | ' | ' | ' | ' |
Financing Receivable Modifications Number Of Contracts [Line Items] | ' | ' | ' | ' |
Number of Loans | 31 | 19 | 98 | 61 |
Pre-Modification Outstanding Recorded Investment | 1,437 | 2,711 | 4,754 | 4,494 |
Post- Modification Recorded Investment | 1,349 | 2,792 | 4,690 | 4,544 |
Consumer Loans [Member] | Home Equity [Member] | ' | ' | ' | ' |
Financing Receivable Modifications Number Of Contracts [Line Items] | ' | ' | ' | ' |
Number of Loans | 31 | 19 | 94 | 61 |
Pre-Modification Outstanding Recorded Investment | 1,437 | 2,711 | 3,963 | 4,494 |
Post- Modification Recorded Investment | 1,349 | 2,792 | 3,886 | 4,544 |
Consumer Loans [Member] | Auto [Member] | ' | ' | ' | ' |
Financing Receivable Modifications Number Of Contracts [Line Items] | ' | ' | ' | ' |
Number of Loans | ' | ' | ' | ' |
Pre-Modification Outstanding Recorded Investment | ' | ' | ' | ' |
Post- Modification Recorded Investment | ' | ' | ' | ' |
Consumer Loans [Member] | Marine [Member] | ' | ' | ' | ' |
Financing Receivable Modifications Number Of Contracts [Line Items] | ' | ' | ' | ' |
Number of Loans | ' | ' | ' | ' |
Pre-Modification Outstanding Recorded Investment | ' | ' | ' | ' |
Post- Modification Recorded Investment | ' | ' | ' | ' |
Consumer Loans [Member] | Recreational Vehicles [Member] | ' | ' | ' | ' |
Financing Receivable Modifications Number Of Contracts [Line Items] | ' | ' | ' | ' |
Number of Loans | ' | ' | 4 | ' |
Pre-Modification Outstanding Recorded Investment | ' | ' | 791 | ' |
Post- Modification Recorded Investment | ' | ' | 804 | ' |
Consumer Loans [Member] | Others [Member] | ' | ' | ' | ' |
Financing Receivable Modifications Number Of Contracts [Line Items] | ' | ' | ' | ' |
Number of Loans | ' | ' | ' | ' |
Pre-Modification Outstanding Recorded Investment | ' | ' | ' | ' |
Post- Modification Recorded Investment | ' | ' | ' | ' |
Commercial Loans [Member] | ' | ' | ' | ' |
Financing Receivable Modifications Number Of Contracts [Line Items] | ' | ' | ' | ' |
Number of Loans | ' | ' | ' | 1 |
Pre-Modification Outstanding Recorded Investment | ' | ' | ' | 446 |
Post- Modification Recorded Investment | ' | ' | ' | 446 |
Commercial Loans [Member] | Secured [Member] | ' | ' | ' | ' |
Financing Receivable Modifications Number Of Contracts [Line Items] | ' | ' | ' | ' |
Number of Loans | ' | ' | ' | ' |
Pre-Modification Outstanding Recorded Investment | ' | ' | ' | ' |
Post- Modification Recorded Investment | ' | ' | ' | ' |
Commercial Loans [Member] | Unsecured [Member] | ' | ' | ' | ' |
Financing Receivable Modifications Number Of Contracts [Line Items] | ' | ' | ' | ' |
Number of Loans | ' | ' | ' | 1 |
Pre-Modification Outstanding Recorded Investment | ' | ' | ' | 446 |
Post- Modification Recorded Investment | ' | ' | ' | $446 |
Loans_Loans_by_Class_Modified_1
Loans - Loans by Class Modified as Troubled Debt Restructurings with Payment Default (Detail) (USD $) | 9 Months Ended | 12 Months Ended |
In Thousands, unless otherwise specified | Sep. 30, 2013 | Dec. 31, 2012 |
SecurityLoan | SecurityLoan | |
Financing Receivable, Recorded Investment [Line Items] | ' | ' |
Number of loans | 22 | 11 |
Recorded Investment | $3,075 | $928 |
Permanent Real Estate Loans [Member] | ' | ' |
Financing Receivable, Recorded Investment [Line Items] | ' | ' |
Number of loans | 11 | 9 |
Recorded Investment | 1,815 | 851 |
Permanent Real Estate Loans [Member] | One-to Four-Family Residential [Member] | ' | ' |
Financing Receivable, Recorded Investment [Line Items] | ' | ' |
Number of loans | 8 | 9 |
Recorded Investment | 861 | 851 |
Permanent Real Estate Loans [Member] | Multi-Family Residential [Member] | ' | ' |
Financing Receivable, Recorded Investment [Line Items] | ' | ' |
Number of loans | 1 | ' |
Recorded Investment | 467 | ' |
Permanent Real Estate Loans [Member] | Nonresidential [Member] | ' | ' |
Financing Receivable, Recorded Investment [Line Items] | ' | ' |
Number of loans | ' | ' |
Recorded Investment | ' | ' |
Permanent Real Estate Loans [Member] | Land [Member] | ' | ' |
Financing Receivable, Recorded Investment [Line Items] | ' | ' |
Number of loans | 2 | ' |
Recorded Investment | 487 | ' |
Construction Loans [Member] | ' | ' |
Financing Receivable, Recorded Investment [Line Items] | ' | ' |
Number of loans | 1 | ' |
Recorded Investment | 823 | ' |
Construction Loans [Member] | One-to Four-Family Residential [Member] | ' | ' |
Financing Receivable, Recorded Investment [Line Items] | ' | ' |
Number of loans | 1 | ' |
Recorded Investment | 823 | ' |
Construction Loans [Member] | Multi-Family and Nonresidential [Member] | ' | ' |
Financing Receivable, Recorded Investment [Line Items] | ' | ' |
Number of loans | ' | ' |
Recorded Investment | ' | ' |
Consumer Loans [Member] | ' | ' |
Financing Receivable, Recorded Investment [Line Items] | ' | ' |
Number of loans | 10 | 2 |
Recorded Investment | 437 | 77 |
Consumer Loans [Member] | Home Equity [Member] | ' | ' |
Financing Receivable, Recorded Investment [Line Items] | ' | ' |
Number of loans | 8 | 2 |
Recorded Investment | 250 | 77 |
Consumer Loans [Member] | Auto [Member] | ' | ' |
Financing Receivable, Recorded Investment [Line Items] | ' | ' |
Number of loans | ' | ' |
Recorded Investment | ' | ' |
Consumer Loans [Member] | Marine [Member] | ' | ' |
Financing Receivable, Recorded Investment [Line Items] | ' | ' |
Number of loans | ' | ' |
Recorded Investment | ' | ' |
Consumer Loans [Member] | Recreational Vehicles [Member] | ' | ' |
Financing Receivable, Recorded Investment [Line Items] | ' | ' |
Number of loans | 2 | ' |
Recorded Investment | 187 | ' |
Consumer Loans [Member] | Others [Member] | ' | ' |
Financing Receivable, Recorded Investment [Line Items] | ' | ' |
Number of loans | ' | ' |
Recorded Investment | ' | ' |
Commercial Loans [Member] | ' | ' |
Financing Receivable, Recorded Investment [Line Items] | ' | ' |
Number of loans | ' | ' |
Recorded Investment | ' | ' |
Commercial Loans [Member] | Secured [Member] | ' | ' |
Financing Receivable, Recorded Investment [Line Items] | ' | ' |
Number of loans | ' | ' |
Recorded Investment | ' | ' |
Commercial Loans [Member] | Unsecured [Member] | ' | ' |
Financing Receivable, Recorded Investment [Line Items] | ' | ' |
Number of loans | ' | ' |
Recorded Investment | ' | ' |
Loans_Risk_Category_of_Loans_b
Loans - Risk Category of Loans by Class of Loans (Detail) (USD $) | Sep. 30, 2013 | Dec. 31, 2012 |
In Thousands, unless otherwise specified | ||
Financing Receivable Modifications Number Of Contracts [Line Items] | ' | ' |
Total loans | $1,028,935 | $1,086,156 |
Permanent Real Estate Loans [Member] | ' | ' |
Financing Receivable Modifications Number Of Contracts [Line Items] | ' | ' |
Total loans | 768,732 | 812,168 |
Permanent Real Estate Loans [Member] | One-to Four-Family Residential [Member] | ' | ' |
Financing Receivable Modifications Number Of Contracts [Line Items] | ' | ' |
Total loans | 575,791 | 577,249 |
Permanent Real Estate Loans [Member] | Multi-Family Residential [Member] | ' | ' |
Financing Receivable Modifications Number Of Contracts [Line Items] | ' | ' |
Total loans | 55,696 | 80,923 |
Permanent Real Estate Loans [Member] | Nonresidential [Member] | ' | ' |
Financing Receivable Modifications Number Of Contracts [Line Items] | ' | ' |
Total loans | 127,699 | 138,188 |
Permanent Real Estate Loans [Member] | Land [Member] | ' | ' |
Financing Receivable Modifications Number Of Contracts [Line Items] | ' | ' |
Total loans | 9,546 | 15,808 |
Construction Loans [Member] | ' | ' |
Financing Receivable Modifications Number Of Contracts [Line Items] | ' | ' |
Total loans | 38,932 | 32,852 |
Construction Loans [Member] | One-to Four-Family Residential [Member] | ' | ' |
Financing Receivable Modifications Number Of Contracts [Line Items] | ' | ' |
Total loans | 33,780 | 28,318 |
Construction Loans [Member] | Multi-Family and Nonresidential [Member] | ' | ' |
Financing Receivable Modifications Number Of Contracts [Line Items] | ' | ' |
Total loans | 5,152 | 4,534 |
Consumer Loans [Member] | ' | ' |
Financing Receivable Modifications Number Of Contracts [Line Items] | ' | ' |
Total loans | 194,383 | 214,593 |
Consumer Loans [Member] | Home Equity [Member] | ' | ' |
Financing Receivable Modifications Number Of Contracts [Line Items] | ' | ' |
Total loans | 163,866 | 177,230 |
Consumer Loans [Member] | Auto [Member] | ' | ' |
Financing Receivable Modifications Number Of Contracts [Line Items] | ' | ' |
Total loans | 5,943 | 7,648 |
Consumer Loans [Member] | Marine [Member] | ' | ' |
Financing Receivable Modifications Number Of Contracts [Line Items] | ' | ' |
Total loans | 4,432 | 4,942 |
Consumer Loans [Member] | Recreational Vehicles [Member] | ' | ' |
Financing Receivable Modifications Number Of Contracts [Line Items] | ' | ' |
Total loans | 17,939 | 22,250 |
Consumer Loans [Member] | Others [Member] | ' | ' |
Financing Receivable Modifications Number Of Contracts [Line Items] | ' | ' |
Total loans | 2,203 | 2,523 |
Commercial Loans [Member] | ' | ' |
Financing Receivable Modifications Number Of Contracts [Line Items] | ' | ' |
Total loans | 26,888 | 26,543 |
Commercial Loans [Member] | Secured [Member] | ' | ' |
Financing Receivable Modifications Number Of Contracts [Line Items] | ' | ' |
Total loans | 26,113 | 24,243 |
Commercial Loans [Member] | Unsecured [Member] | ' | ' |
Financing Receivable Modifications Number Of Contracts [Line Items] | ' | ' |
Total loans | 775 | 2,300 |
Unclassified [Member] | ' | ' |
Financing Receivable Modifications Number Of Contracts [Line Items] | ' | ' |
Total loans | 957,539 | 1,003,830 |
Unclassified [Member] | Permanent Real Estate Loans [Member] | ' | ' |
Financing Receivable Modifications Number Of Contracts [Line Items] | ' | ' |
Total loans | 711,604 | 747,135 |
Unclassified [Member] | Permanent Real Estate Loans [Member] | One-to Four-Family Residential [Member] | ' | ' |
Financing Receivable Modifications Number Of Contracts [Line Items] | ' | ' |
Total loans | 566,765 | 569,204 |
Unclassified [Member] | Permanent Real Estate Loans [Member] | Multi-Family Residential [Member] | ' | ' |
Financing Receivable Modifications Number Of Contracts [Line Items] | ' | ' |
Total loans | 49,860 | 69,060 |
Unclassified [Member] | Permanent Real Estate Loans [Member] | Nonresidential [Member] | ' | ' |
Financing Receivable Modifications Number Of Contracts [Line Items] | ' | ' |
Total loans | 86,074 | 99,275 |
Unclassified [Member] | Permanent Real Estate Loans [Member] | Land [Member] | ' | ' |
Financing Receivable Modifications Number Of Contracts [Line Items] | ' | ' |
Total loans | 8,905 | 9,596 |
Unclassified [Member] | Construction Loans [Member] | ' | ' |
Financing Receivable Modifications Number Of Contracts [Line Items] | ' | ' |
Total loans | 35,462 | 25,111 |
Unclassified [Member] | Construction Loans [Member] | One-to Four-Family Residential [Member] | ' | ' |
Financing Receivable Modifications Number Of Contracts [Line Items] | ' | ' |
Total loans | 30,310 | 20,577 |
Unclassified [Member] | Construction Loans [Member] | Multi-Family and Nonresidential [Member] | ' | ' |
Financing Receivable Modifications Number Of Contracts [Line Items] | ' | ' |
Total loans | 5,152 | 4,534 |
Unclassified [Member] | Consumer Loans [Member] | ' | ' |
Financing Receivable Modifications Number Of Contracts [Line Items] | ' | ' |
Total loans | 190,497 | 209,260 |
Unclassified [Member] | Consumer Loans [Member] | Home Equity [Member] | ' | ' |
Financing Receivable Modifications Number Of Contracts [Line Items] | ' | ' |
Total loans | 160,501 | 173,696 |
Unclassified [Member] | Consumer Loans [Member] | Auto [Member] | ' | ' |
Financing Receivable Modifications Number Of Contracts [Line Items] | ' | ' |
Total loans | 5,792 | 7,453 |
Unclassified [Member] | Consumer Loans [Member] | Marine [Member] | ' | ' |
Financing Receivable Modifications Number Of Contracts [Line Items] | ' | ' |
Total loans | 4,265 | 4,745 |
Unclassified [Member] | Consumer Loans [Member] | Recreational Vehicles [Member] | ' | ' |
Financing Receivable Modifications Number Of Contracts [Line Items] | ' | ' |
Total loans | 17,741 | 20,859 |
Unclassified [Member] | Consumer Loans [Member] | Others [Member] | ' | ' |
Financing Receivable Modifications Number Of Contracts [Line Items] | ' | ' |
Total loans | 2,198 | 2,507 |
Unclassified [Member] | Commercial Loans [Member] | ' | ' |
Financing Receivable Modifications Number Of Contracts [Line Items] | ' | ' |
Total loans | 19,976 | 22,324 |
Unclassified [Member] | Commercial Loans [Member] | Secured [Member] | ' | ' |
Financing Receivable Modifications Number Of Contracts [Line Items] | ' | ' |
Total loans | 19,682 | 20,843 |
Unclassified [Member] | Commercial Loans [Member] | Unsecured [Member] | ' | ' |
Financing Receivable Modifications Number Of Contracts [Line Items] | ' | ' |
Total loans | 294 | 1,481 |
Special Mention [Member] | ' | ' |
Financing Receivable Modifications Number Of Contracts [Line Items] | ' | ' |
Total loans | 16,034 | 22,447 |
Special Mention [Member] | Permanent Real Estate Loans [Member] | ' | ' |
Financing Receivable Modifications Number Of Contracts [Line Items] | ' | ' |
Total loans | 15,611 | 21,382 |
Special Mention [Member] | Permanent Real Estate Loans [Member] | One-to Four-Family Residential [Member] | ' | ' |
Financing Receivable Modifications Number Of Contracts [Line Items] | ' | ' |
Total loans | 1,166 | 459 |
Special Mention [Member] | Permanent Real Estate Loans [Member] | Multi-Family Residential [Member] | ' | ' |
Financing Receivable Modifications Number Of Contracts [Line Items] | ' | ' |
Total loans | 2,989 | 8,409 |
Special Mention [Member] | Permanent Real Estate Loans [Member] | Nonresidential [Member] | ' | ' |
Financing Receivable Modifications Number Of Contracts [Line Items] | ' | ' |
Total loans | 11,302 | 12,234 |
Special Mention [Member] | Permanent Real Estate Loans [Member] | Land [Member] | ' | ' |
Financing Receivable Modifications Number Of Contracts [Line Items] | ' | ' |
Total loans | 154 | 280 |
Special Mention [Member] | Construction Loans [Member] | ' | ' |
Financing Receivable Modifications Number Of Contracts [Line Items] | ' | ' |
Total loans | 137 | 196 |
Special Mention [Member] | Construction Loans [Member] | One-to Four-Family Residential [Member] | ' | ' |
Financing Receivable Modifications Number Of Contracts [Line Items] | ' | ' |
Total loans | 137 | 196 |
Special Mention [Member] | Construction Loans [Member] | Multi-Family and Nonresidential [Member] | ' | ' |
Financing Receivable Modifications Number Of Contracts [Line Items] | ' | ' |
Total loans | ' | ' |
Special Mention [Member] | Consumer Loans [Member] | ' | ' |
Financing Receivable Modifications Number Of Contracts [Line Items] | ' | ' |
Total loans | 51 | 89 |
Special Mention [Member] | Consumer Loans [Member] | Auto [Member] | ' | ' |
Financing Receivable Modifications Number Of Contracts [Line Items] | ' | ' |
Total loans | 46 | 82 |
Special Mention [Member] | Consumer Loans [Member] | Marine [Member] | ' | ' |
Financing Receivable Modifications Number Of Contracts [Line Items] | ' | ' |
Total loans | 5 | 7 |
Special Mention [Member] | Commercial Loans [Member] | ' | ' |
Financing Receivable Modifications Number Of Contracts [Line Items] | ' | ' |
Total loans | 235 | 780 |
Special Mention [Member] | Commercial Loans [Member] | Secured [Member] | ' | ' |
Financing Receivable Modifications Number Of Contracts [Line Items] | ' | ' |
Total loans | 194 | 769 |
Special Mention [Member] | Commercial Loans [Member] | Unsecured [Member] | ' | ' |
Financing Receivable Modifications Number Of Contracts [Line Items] | ' | ' |
Total loans | 41 | 11 |
Substandard [Member] | ' | ' |
Financing Receivable Modifications Number Of Contracts [Line Items] | ' | ' |
Total loans | 55,362 | 59,879 |
Substandard [Member] | Permanent Real Estate Loans [Member] | ' | ' |
Financing Receivable Modifications Number Of Contracts [Line Items] | ' | ' |
Total loans | 41,517 | 43,651 |
Substandard [Member] | Permanent Real Estate Loans [Member] | One-to Four-Family Residential [Member] | ' | ' |
Financing Receivable Modifications Number Of Contracts [Line Items] | ' | ' |
Total loans | 7,860 | 7,586 |
Substandard [Member] | Permanent Real Estate Loans [Member] | Multi-Family Residential [Member] | ' | ' |
Financing Receivable Modifications Number Of Contracts [Line Items] | ' | ' |
Total loans | 2,847 | 3,454 |
Substandard [Member] | Permanent Real Estate Loans [Member] | Nonresidential [Member] | ' | ' |
Financing Receivable Modifications Number Of Contracts [Line Items] | ' | ' |
Total loans | 30,323 | 26,679 |
Substandard [Member] | Permanent Real Estate Loans [Member] | Land [Member] | ' | ' |
Financing Receivable Modifications Number Of Contracts [Line Items] | ' | ' |
Total loans | 487 | 5,932 |
Substandard [Member] | Construction Loans [Member] | ' | ' |
Financing Receivable Modifications Number Of Contracts [Line Items] | ' | ' |
Total loans | 3,333 | 7,545 |
Substandard [Member] | Construction Loans [Member] | One-to Four-Family Residential [Member] | ' | ' |
Financing Receivable Modifications Number Of Contracts [Line Items] | ' | ' |
Total loans | 3,333 | 7,545 |
Substandard [Member] | Construction Loans [Member] | Multi-Family and Nonresidential [Member] | ' | ' |
Financing Receivable Modifications Number Of Contracts [Line Items] | ' | ' |
Total loans | ' | ' |
Substandard [Member] | Consumer Loans [Member] | ' | ' |
Financing Receivable Modifications Number Of Contracts [Line Items] | ' | ' |
Total loans | 3,835 | 5,244 |
Substandard [Member] | Consumer Loans [Member] | Home Equity [Member] | ' | ' |
Financing Receivable Modifications Number Of Contracts [Line Items] | ' | ' |
Total loans | 3,365 | 3,534 |
Substandard [Member] | Consumer Loans [Member] | Auto [Member] | ' | ' |
Financing Receivable Modifications Number Of Contracts [Line Items] | ' | ' |
Total loans | 105 | 113 |
Substandard [Member] | Consumer Loans [Member] | Marine [Member] | ' | ' |
Financing Receivable Modifications Number Of Contracts [Line Items] | ' | ' |
Total loans | 162 | 190 |
Substandard [Member] | Consumer Loans [Member] | Recreational Vehicles [Member] | ' | ' |
Financing Receivable Modifications Number Of Contracts [Line Items] | ' | ' |
Total loans | 198 | 1,391 |
Substandard [Member] | Consumer Loans [Member] | Others [Member] | ' | ' |
Financing Receivable Modifications Number Of Contracts [Line Items] | ' | ' |
Total loans | 5 | 16 |
Substandard [Member] | Commercial Loans [Member] | ' | ' |
Financing Receivable Modifications Number Of Contracts [Line Items] | ' | ' |
Total loans | 6,677 | 3,439 |
Substandard [Member] | Commercial Loans [Member] | Secured [Member] | ' | ' |
Financing Receivable Modifications Number Of Contracts [Line Items] | ' | ' |
Total loans | 6,237 | 2,631 |
Substandard [Member] | Commercial Loans [Member] | Unsecured [Member] | ' | ' |
Financing Receivable Modifications Number Of Contracts [Line Items] | ' | ' |
Total loans | 440 | 808 |
Doubtful [Member] | ' | ' |
Financing Receivable Modifications Number Of Contracts [Line Items] | ' | ' |
Total loans | ' | ' |
Doubtful [Member] | Permanent Real Estate Loans [Member] | ' | ' |
Financing Receivable Modifications Number Of Contracts [Line Items] | ' | ' |
Total loans | ' | ' |
Doubtful [Member] | Permanent Real Estate Loans [Member] | One-to Four-Family Residential [Member] | ' | ' |
Financing Receivable Modifications Number Of Contracts [Line Items] | ' | ' |
Total loans | ' | ' |
Doubtful [Member] | Permanent Real Estate Loans [Member] | Multi-Family Residential [Member] | ' | ' |
Financing Receivable Modifications Number Of Contracts [Line Items] | ' | ' |
Total loans | ' | ' |
Doubtful [Member] | Permanent Real Estate Loans [Member] | Nonresidential [Member] | ' | ' |
Financing Receivable Modifications Number Of Contracts [Line Items] | ' | ' |
Total loans | ' | ' |
Doubtful [Member] | Permanent Real Estate Loans [Member] | Land [Member] | ' | ' |
Financing Receivable Modifications Number Of Contracts [Line Items] | ' | ' |
Total loans | ' | ' |
Doubtful [Member] | Construction Loans [Member] | ' | ' |
Financing Receivable Modifications Number Of Contracts [Line Items] | ' | ' |
Total loans | ' | ' |
Doubtful [Member] | Construction Loans [Member] | One-to Four-Family Residential [Member] | ' | ' |
Financing Receivable Modifications Number Of Contracts [Line Items] | ' | ' |
Total loans | ' | ' |
Doubtful [Member] | Construction Loans [Member] | Multi-Family and Nonresidential [Member] | ' | ' |
Financing Receivable Modifications Number Of Contracts [Line Items] | ' | ' |
Total loans | ' | ' |
Doubtful [Member] | Consumer Loans [Member] | ' | ' |
Financing Receivable Modifications Number Of Contracts [Line Items] | ' | ' |
Total loans | ' | ' |
Doubtful [Member] | Consumer Loans [Member] | Home Equity [Member] | ' | ' |
Financing Receivable Modifications Number Of Contracts [Line Items] | ' | ' |
Total loans | ' | ' |
Doubtful [Member] | Consumer Loans [Member] | Auto [Member] | ' | ' |
Financing Receivable Modifications Number Of Contracts [Line Items] | ' | ' |
Total loans | ' | ' |
Doubtful [Member] | Consumer Loans [Member] | Marine [Member] | ' | ' |
Financing Receivable Modifications Number Of Contracts [Line Items] | ' | ' |
Total loans | ' | ' |
Doubtful [Member] | Consumer Loans [Member] | Recreational Vehicles [Member] | ' | ' |
Financing Receivable Modifications Number Of Contracts [Line Items] | ' | ' |
Total loans | ' | ' |
Doubtful [Member] | Consumer Loans [Member] | Others [Member] | ' | ' |
Financing Receivable Modifications Number Of Contracts [Line Items] | ' | ' |
Total loans | ' | ' |
Doubtful [Member] | Commercial Loans [Member] | ' | ' |
Financing Receivable Modifications Number Of Contracts [Line Items] | ' | ' |
Total loans | ' | ' |
Doubtful [Member] | Commercial Loans [Member] | Secured [Member] | ' | ' |
Financing Receivable Modifications Number Of Contracts [Line Items] | ' | ' |
Total loans | ' | ' |
Doubtful [Member] | Commercial Loans [Member] | Unsecured [Member] | ' | ' |
Financing Receivable Modifications Number Of Contracts [Line Items] | ' | ' |
Total loans | ' | ' |
Classified Loss [Member] | ' | ' |
Financing Receivable Modifications Number Of Contracts [Line Items] | ' | ' |
Total loans | ' | ' |
Classified Loss [Member] | Permanent Real Estate Loans [Member] | ' | ' |
Financing Receivable Modifications Number Of Contracts [Line Items] | ' | ' |
Total loans | ' | ' |
Classified Loss [Member] | Permanent Real Estate Loans [Member] | One-to Four-Family Residential [Member] | ' | ' |
Financing Receivable Modifications Number Of Contracts [Line Items] | ' | ' |
Total loans | ' | ' |
Classified Loss [Member] | Permanent Real Estate Loans [Member] | Multi-Family Residential [Member] | ' | ' |
Financing Receivable Modifications Number Of Contracts [Line Items] | ' | ' |
Total loans | ' | ' |
Classified Loss [Member] | Permanent Real Estate Loans [Member] | Nonresidential [Member] | ' | ' |
Financing Receivable Modifications Number Of Contracts [Line Items] | ' | ' |
Total loans | ' | ' |
Classified Loss [Member] | Permanent Real Estate Loans [Member] | Land [Member] | ' | ' |
Financing Receivable Modifications Number Of Contracts [Line Items] | ' | ' |
Total loans | ' | ' |
Classified Loss [Member] | Construction Loans [Member] | ' | ' |
Financing Receivable Modifications Number Of Contracts [Line Items] | ' | ' |
Total loans | ' | ' |
Classified Loss [Member] | Construction Loans [Member] | One-to Four-Family Residential [Member] | ' | ' |
Financing Receivable Modifications Number Of Contracts [Line Items] | ' | ' |
Total loans | ' | ' |
Classified Loss [Member] | Construction Loans [Member] | Multi-Family and Nonresidential [Member] | ' | ' |
Financing Receivable Modifications Number Of Contracts [Line Items] | ' | ' |
Total loans | ' | ' |
Classified Loss [Member] | Consumer Loans [Member] | ' | ' |
Financing Receivable Modifications Number Of Contracts [Line Items] | ' | ' |
Total loans | ' | ' |
Classified Loss [Member] | Consumer Loans [Member] | Home Equity [Member] | ' | ' |
Financing Receivable Modifications Number Of Contracts [Line Items] | ' | ' |
Total loans | ' | ' |
Classified Loss [Member] | Consumer Loans [Member] | Auto [Member] | ' | ' |
Financing Receivable Modifications Number Of Contracts [Line Items] | ' | ' |
Total loans | ' | ' |
Classified Loss [Member] | Consumer Loans [Member] | Marine [Member] | ' | ' |
Financing Receivable Modifications Number Of Contracts [Line Items] | ' | ' |
Total loans | ' | ' |
Classified Loss [Member] | Consumer Loans [Member] | Recreational Vehicles [Member] | ' | ' |
Financing Receivable Modifications Number Of Contracts [Line Items] | ' | ' |
Total loans | ' | ' |
Classified Loss [Member] | Consumer Loans [Member] | Others [Member] | ' | ' |
Financing Receivable Modifications Number Of Contracts [Line Items] | ' | ' |
Total loans | ' | ' |
Classified Loss [Member] | Commercial Loans [Member] | ' | ' |
Financing Receivable Modifications Number Of Contracts [Line Items] | ' | ' |
Total loans | ' | ' |
Classified Loss [Member] | Commercial Loans [Member] | Secured [Member] | ' | ' |
Financing Receivable Modifications Number Of Contracts [Line Items] | ' | ' |
Total loans | ' | ' |
Classified Loss [Member] | Commercial Loans [Member] | Unsecured [Member] | ' | ' |
Financing Receivable Modifications Number Of Contracts [Line Items] | ' | ' |
Total loans | ' | ' |
Classified [Member] | ' | ' |
Financing Receivable Modifications Number Of Contracts [Line Items] | ' | ' |
Total loans | 55,362 | 59,879 |
Classified [Member] | Permanent Real Estate Loans [Member] | ' | ' |
Financing Receivable Modifications Number Of Contracts [Line Items] | ' | ' |
Total loans | 41,517 | 43,651 |
Classified [Member] | Permanent Real Estate Loans [Member] | One-to Four-Family Residential [Member] | ' | ' |
Financing Receivable Modifications Number Of Contracts [Line Items] | ' | ' |
Total loans | 7,860 | 7,586 |
Classified [Member] | Permanent Real Estate Loans [Member] | Multi-Family Residential [Member] | ' | ' |
Financing Receivable Modifications Number Of Contracts [Line Items] | ' | ' |
Total loans | 2,847 | 3,454 |
Classified [Member] | Permanent Real Estate Loans [Member] | Nonresidential [Member] | ' | ' |
Financing Receivable Modifications Number Of Contracts [Line Items] | ' | ' |
Total loans | 30,323 | 26,679 |
Classified [Member] | Permanent Real Estate Loans [Member] | Land [Member] | ' | ' |
Financing Receivable Modifications Number Of Contracts [Line Items] | ' | ' |
Total loans | 487 | 5,932 |
Classified [Member] | Construction Loans [Member] | ' | ' |
Financing Receivable Modifications Number Of Contracts [Line Items] | ' | ' |
Total loans | 3,333 | 7,545 |
Classified [Member] | Construction Loans [Member] | One-to Four-Family Residential [Member] | ' | ' |
Financing Receivable Modifications Number Of Contracts [Line Items] | ' | ' |
Total loans | 3,333 | 7,545 |
Classified [Member] | Construction Loans [Member] | Multi-Family and Nonresidential [Member] | ' | ' |
Financing Receivable Modifications Number Of Contracts [Line Items] | ' | ' |
Total loans | ' | ' |
Classified [Member] | Consumer Loans [Member] | ' | ' |
Financing Receivable Modifications Number Of Contracts [Line Items] | ' | ' |
Total loans | 3,835 | 5,244 |
Classified [Member] | Consumer Loans [Member] | Home Equity [Member] | ' | ' |
Financing Receivable Modifications Number Of Contracts [Line Items] | ' | ' |
Total loans | 3,365 | 3,534 |
Classified [Member] | Consumer Loans [Member] | Auto [Member] | ' | ' |
Financing Receivable Modifications Number Of Contracts [Line Items] | ' | ' |
Total loans | 105 | 113 |
Classified [Member] | Consumer Loans [Member] | Marine [Member] | ' | ' |
Financing Receivable Modifications Number Of Contracts [Line Items] | ' | ' |
Total loans | 162 | 190 |
Classified [Member] | Consumer Loans [Member] | Recreational Vehicles [Member] | ' | ' |
Financing Receivable Modifications Number Of Contracts [Line Items] | ' | ' |
Total loans | 198 | 1,391 |
Classified [Member] | Consumer Loans [Member] | Others [Member] | ' | ' |
Financing Receivable Modifications Number Of Contracts [Line Items] | ' | ' |
Total loans | 5 | 16 |
Classified [Member] | Commercial Loans [Member] | ' | ' |
Financing Receivable Modifications Number Of Contracts [Line Items] | ' | ' |
Total loans | 6,677 | 3,439 |
Classified [Member] | Commercial Loans [Member] | Secured [Member] | ' | ' |
Financing Receivable Modifications Number Of Contracts [Line Items] | ' | ' |
Total loans | 6,237 | 2,631 |
Classified [Member] | Commercial Loans [Member] | Unsecured [Member] | ' | ' |
Financing Receivable Modifications Number Of Contracts [Line Items] | ' | ' |
Total loans | $440 | $808 |
Mortgage_Banking_Activities_Ad
Mortgage Banking Activities - Additional Information (Detail) (USD $) | Sep. 30, 2013 | Dec. 31, 2012 |
Mortgage Banking [Abstract] | ' | ' |
Mortgage loans serviced for others | $1,100,000,000 | $1,100,000,000 |
Total services loans | 1,100,000 | 1,700,000 |
Fair value of mortgage servicing rights | $9,900,000 | $6,800,000 |
Mortgage_Banking_Activities_Pr
Mortgage Banking Activities - Principal Balance of Mortgage Servicing Rights (Detail) (USD $) | Sep. 30, 2013 | Dec. 31, 2012 |
Mortgage loan portfolios serviced for: | ' | ' |
Mortgage loan portfolios service | $1,100,000,000 | $1,100,000,000 |
FHLMC [Member] | ' | ' |
Mortgage loan portfolios serviced for: | ' | ' |
Mortgage loan portfolios service | 830,295 | 817,108 |
FNMA [Member] | ' | ' |
Mortgage loan portfolios serviced for: | ' | ' |
Mortgage loan portfolios service | $291,015 | $316,142 |
Mortgage_Banking_Activities_Ca
Mortgage Banking Activities - Capitalized Mortgage Servicing Rights (Detail) (USD $) | 9 Months Ended | |
In Thousands, unless otherwise specified | Sep. 30, 2013 | Sep. 30, 2012 |
Mortgage Banking [Abstract] | ' | ' |
Beginning balance | $5,506 | $6,375 |
Originations | 2,228 | 1,738 |
Amortized to expense | -1,712 | -1,923 |
Ending balance | 6,022 | 6,190 |
Less valuation allowance | -4 | -2,016 |
Net balance | $6,018 | $4,174 |
Mortgage_Banking_Activities_Va
Mortgage Banking Activities - Valuation Allowance for Mortgage Servicing Rights (Detail) (USD $) | 9 Months Ended | |
Sep. 30, 2013 | Sep. 30, 2012 | |
Mortgage Banking [Abstract] | ' | ' |
Balance, beginning of year | ($680,000) | ($1,785,000) |
Impairment charges | ' | -1,179,000 |
Recoveries | 676,000 | 948,000 |
Balance, end of year | ($4,000) | ($2,016,000) |
Mortgage_Banking_Activities_Ke
Mortgage Banking Activities - Key Economic Assumptions in Measuring Value of Mortgage Servicing Rights (Detail) | 9 Months Ended | 12 Months Ended |
Sep. 30, 2013 | Dec. 31, 2012 | |
Mortgage Banking [Abstract] | ' | ' |
Weighted average prepayment rate | 232 | 401 |
Weighted average life (in years) | '3 years 11 months 27 days | '3 years 11 months 5 days |
Weighted average discount rate | 8.00% | 8.00% |
Other_Real_Estate_Owned_and_Ot2
Other Real Estate Owned and Other Repossessed Assets - Real Estate Owned and Other Repossessed Assets (Detail) (USD $) | Sep. 30, 2013 | Dec. 31, 2012 | Sep. 30, 2012 | Dec. 31, 2011 |
In Thousands, unless otherwise specified | ||||
Call Loans And Funds Sold And Call Money And Funds Purchased [Line Items] | ' | ' | ' | ' |
Real estate owned and other repossessed assets | $15,989 | $25,236 | ' | ' |
Valuation allowance | -6,674 | -6,796 | -6,879 | -8,764 |
End of period | $9,315 | $18,440 | ' | ' |
Other_Real_Estate_Owned_and_Ot3
Other Real Estate Owned and Other Repossessed Assets - Valuation Allowance Related to Real Estate Owned (Detail) (USD $) | 9 Months Ended | |
In Thousands, unless otherwise specified | Sep. 30, 2013 | Sep. 30, 2012 |
Call Loans And Funds Sold And Call Money And Funds Purchased [Line Items] | ' | ' |
Beginning of year | $6,796 | $8,764 |
Additions charged to expense | 1,801 | 1,805 |
Direct write-downs | -1,923 | -3,690 |
End of period | $6,674 | $6,879 |
Other_Real_Estate_Owned_and_Ot4
Other Real Estate Owned and Other Repossessed Assets - Expenses Related to Foreclosed and Repossessed Assets (Detail) (USD $) | 3 Months Ended | 9 Months Ended | ||
In Thousands, unless otherwise specified | Sep. 30, 2013 | Sep. 30, 2012 | Sep. 30, 2013 | Sep. 30, 2012 |
Call Loans And Funds Sold And Call Money And Funds Purchased [Line Items] | ' | ' | ' | ' |
Net loss on sales | ($69) | $210 | $165 | $1,229 |
Net loss on sales from bulk asset transaction | ' | 413 | ' | 413 |
Provision for unrealized losses, net | 464 | 1,172 | 1,801 | 1,805 |
Operating expenses, net of rental income | 354 | 383 | 1,140 | 1,504 |
Total expenses | $749 | $2,178 | $3,106 | $4,951 |
Other_Postretirement_Benefit_P2
Other Postretirement Benefit Plans - Additional Information (Detail) | 9 Months Ended |
Sep. 30, 2013 | |
Age | |
Compensation And Retirement Disclosure [Abstract] | ' |
Minimum year of service to qualify for postretirement medical benefits | '20 years |
Minimum age to qualify for postretirement medical benefits | 60 |
Condition to qualify for postretirement medical benefits | 'Employees who had worked 20 years and attained a minimum age of 60 by September 1, 2000 |
Other_Postretirement_Benefit_P3
Other Postretirement Benefit Plans - Components of Net Periodic Benefit Cost (Detail) (USD $) | 3 Months Ended | 9 Months Ended | ||
In Thousands, unless otherwise specified | Sep. 30, 2013 | Sep. 30, 2012 | Sep. 30, 2013 | Sep. 30, 2012 |
Compensation And Retirement Disclosure [Abstract] | ' | ' | ' | ' |
Service cost | ' | ' | ' | ' |
Interest cost | 13 | 19 | 39 | 57 |
Expected return on plan assets | ' | ' | ' | ' |
Net amortization of prior service cost | -19 | -20 | -57 | -59 |
Recognized net actuarial gain | -28 | -23 | -84 | -69 |
Net periodic benefit cost/(gain) | ($34) | ($24) | ($102) | ($71) |
Assumptions used in the valuations were as follows: | ' | ' | ' | ' |
Weighted average discount rate | 3.00% | 4.00% | 3.00% | 4.00% |
Fair_Value_Measurement_Assets_
Fair Value Measurement - Assets and Liabilities Measured at Fair Value on Recurring Basis (Detail) (USD $) | Sep. 30, 2013 | Dec. 31, 2012 |
In Thousands, unless otherwise specified | ||
Fair Value Of Assets And Liabilities Measured On Non Recurring Basis [Line Items] | ' | ' |
Available for sale securities, Fair value | $542,811 | $574,562 |
Fair Value, Measurements, Recurring [Member] | US Treasury and Government Sponsored Entities Securities [Member] | ' | ' |
Fair Value Of Assets And Liabilities Measured On Non Recurring Basis [Line Items] | ' | ' |
Available for sale securities, Fair value | 229,763 | 163,692 |
Fair Value, Measurements, Recurring [Member] | Equity Securities [Member] | ' | ' |
Fair Value Of Assets And Liabilities Measured On Non Recurring Basis [Line Items] | ' | ' |
Available for sale securities, Fair value | 396 | 313 |
Fair Value, Measurements, Recurring [Member] | Mortgage-Backed GSE Securities: Residential [Member] | ' | ' |
Fair Value Of Assets And Liabilities Measured On Non Recurring Basis [Line Items] | ' | ' |
Available for sale securities, Fair value | 312,652 | 410,557 |
Fair Value, Measurements, Recurring [Member] | Interest Rate Cap [Member] | ' | ' |
Fair Value Of Assets And Liabilities Measured On Non Recurring Basis [Line Items] | ' | ' |
Available for sale securities, Fair value | 594 | 436 |
Quoted Prices in Active Markets for Identical Assets (Level 1) [Member] | Fair Value, Measurements, Recurring [Member] | US Treasury and Government Sponsored Entities Securities [Member] | ' | ' |
Fair Value Of Assets And Liabilities Measured On Non Recurring Basis [Line Items] | ' | ' |
Available for sale securities, Fair value | ' | ' |
Quoted Prices in Active Markets for Identical Assets (Level 1) [Member] | Fair Value, Measurements, Recurring [Member] | Equity Securities [Member] | ' | ' |
Fair Value Of Assets And Liabilities Measured On Non Recurring Basis [Line Items] | ' | ' |
Available for sale securities, Fair value | 396 | 313 |
Quoted Prices in Active Markets for Identical Assets (Level 1) [Member] | Fair Value, Measurements, Recurring [Member] | Mortgage-Backed GSE Securities: Residential [Member] | ' | ' |
Fair Value Of Assets And Liabilities Measured On Non Recurring Basis [Line Items] | ' | ' |
Available for sale securities, Fair value | ' | ' |
Quoted Prices in Active Markets for Identical Assets (Level 1) [Member] | Fair Value, Measurements, Recurring [Member] | Interest Rate Cap [Member] | ' | ' |
Fair Value Of Assets And Liabilities Measured On Non Recurring Basis [Line Items] | ' | ' |
Available for sale securities, Fair value | ' | ' |
Significant Other Observable Inputs (Level 2) [Member] | Fair Value, Measurements, Recurring [Member] | US Treasury and Government Sponsored Entities Securities [Member] | ' | ' |
Fair Value Of Assets And Liabilities Measured On Non Recurring Basis [Line Items] | ' | ' |
Available for sale securities, Fair value | 229,763 | 163,692 |
Significant Other Observable Inputs (Level 2) [Member] | Fair Value, Measurements, Recurring [Member] | Equity Securities [Member] | ' | ' |
Fair Value Of Assets And Liabilities Measured On Non Recurring Basis [Line Items] | ' | ' |
Available for sale securities, Fair value | ' | ' |
Significant Other Observable Inputs (Level 2) [Member] | Fair Value, Measurements, Recurring [Member] | Mortgage-Backed GSE Securities: Residential [Member] | ' | ' |
Fair Value Of Assets And Liabilities Measured On Non Recurring Basis [Line Items] | ' | ' |
Available for sale securities, Fair value | 312,652 | 410,557 |
Significant Other Observable Inputs (Level 2) [Member] | Fair Value, Measurements, Recurring [Member] | Interest Rate Cap [Member] | ' | ' |
Fair Value Of Assets And Liabilities Measured On Non Recurring Basis [Line Items] | ' | ' |
Available for sale securities, Fair value | ' | ' |
Significant Unobservable Inputs (Level 3) [Member] | Fair Value, Measurements, Recurring [Member] | US Treasury and Government Sponsored Entities Securities [Member] | ' | ' |
Fair Value Of Assets And Liabilities Measured On Non Recurring Basis [Line Items] | ' | ' |
Available for sale securities, Fair value | ' | ' |
Significant Unobservable Inputs (Level 3) [Member] | Fair Value, Measurements, Recurring [Member] | Equity Securities [Member] | ' | ' |
Fair Value Of Assets And Liabilities Measured On Non Recurring Basis [Line Items] | ' | ' |
Available for sale securities, Fair value | ' | ' |
Significant Unobservable Inputs (Level 3) [Member] | Fair Value, Measurements, Recurring [Member] | Mortgage-Backed GSE Securities: Residential [Member] | ' | ' |
Fair Value Of Assets And Liabilities Measured On Non Recurring Basis [Line Items] | ' | ' |
Available for sale securities, Fair value | ' | ' |
Significant Unobservable Inputs (Level 3) [Member] | Fair Value, Measurements, Recurring [Member] | Interest Rate Cap [Member] | ' | ' |
Fair Value Of Assets And Liabilities Measured On Non Recurring Basis [Line Items] | ' | ' |
Available for sale securities, Fair value | $594 | $436 |
Fair_Value_Measurement_Additio
Fair Value Measurement - Additional Information (Detail) (USD $) | 3 Months Ended | 9 Months Ended | 12 Months Ended | |||
Sep. 30, 2013 | Sep. 30, 2012 | Sep. 30, 2013 | Sep. 30, 2012 | Dec. 31, 2012 | Dec. 31, 2011 | |
Fair Value Disclosures [Abstract] | ' | ' | ' | ' | ' | ' |
Transfer between level 1 and level 2 due to in the valuation of interest rate caps are back-tested | ' | ' | $0 | $0 | ' | ' |
Transfer between level 2 and level 3 due to reconciliation of all assets measured at fair value on a recurring basis | ' | ' | 0 | 0 | ' | ' |
Fair value of the collateral dependent loans, net carrying amount | 2,200,000 | 57,100,000 | 2,200,000 | 57,100,000 | 9,900,000 | ' |
Specific allowance for collateral dependent loans | 808,000 | 2,100,000 | 808,000 | 2,100,000 | 3,000,000 | ' |
Increase (Decrease) in provision for loan losses | 307,000 | 2,300,000 | 2,600,000 | 794,000 | 27,000 | ' |
Discount applied to appraisals for estimated selling costs percentage | ' | ' | 10.00% | ' | ' | ' |
Mortgage servicing rights, fair amount | 387,000 | 4,200,000 | 387,000 | 4,200,000 | 4,900,000 | ' |
Mortgage servicing rights outstanding | 391,000 | 6,200,000 | 391,000 | 6,200,000 | 5,600,000 | ' |
Valuation allowance | 4,000 | 2,016,000 | 4,000 | 2,016,000 | 680,000 | 1,785,000 |
Mortgage servicing rights net recovery/charge | ' | ' | ' | ' | 1,100,000 | ' |
Other real estate owned carried at fair value | 6,400,000 | 18,500,000 | 6,400,000 | 18,500,000 | 10,100,000 | ' |
Valuation allowance related to other real estate owned | 6,700,000 | 6,900,000 | 6,700,000 | 6,900,000 | 6,800,000 | ' |
Additional expenses related to other real estate owned | $464,000 | $1,300,000 | $1,800,000 | $2,000,000 | $2,200,000 | ' |
Maximum maturity period of short term borrowings | ' | ' | ' | ' | '90 days | ' |
Fair_Value_Measurement_Reconci
Fair Value Measurement - Reconciliation of All Assets Measured at Fair Value on Recurring Basis Using Significant Unobservable Inputs (Level 3) (Detail) (Interest Rate Cap [Member], USD $) | 9 Months Ended | |
In Thousands, unless otherwise specified | Sep. 30, 2013 | Sep. 30, 2012 |
Interest Rate Cap [Member] | ' | ' |
Fair Value, Assets Measured on Recurring Basis, Unobservable Input Reconciliation [Line Items] | ' | ' |
Balance of recurring Level 3 assets at beginning of period | $436 | $1,933 |
Included in other income | 547 | -1,077 |
Included in other comprehensive income | ' | ' |
Purchases | ' | ' |
Amortization | -389 | -346 |
Sales | ' | ' |
Balance of recurring Level 3 assets at end of period | $594 | $510 |
Fair_Value_Measurement_Quantit
Fair Value Measurement - Quantitative Information About Level 3 Fair Value Measurements for Financial Instruments Measured at Fair Value on Nonrecurring Basis (Interest rate caps) (Detail) (USD $) | 9 Months Ended |
In Thousands, unless otherwise specified | Sep. 30, 2013 |
Fair Value Inputs, Assets, Quantitative Information [Line Items] | ' |
Fair Value | $594 |
Valuation Technique | 'Discounted cash flow |
Minimum [Member] | Discounted Cash Flow [Member] | ' |
Fair Value Inputs, Assets, Quantitative Information [Line Items] | ' |
Fair Value Inputs, Discount Rate | 0.47% |
Maximum [Member] | Discounted Cash Flow [Member] | ' |
Fair Value Inputs, Assets, Quantitative Information [Line Items] | ' |
Fair Value Inputs, Discount Rate | 1.50% |
Fair_Value_Measurement_Assets_1
Fair Value Measurement - Assets Measured on Non-recurring Basis (Detail) (USD $) | Sep. 30, 2013 | Dec. 31, 2012 |
In Thousands, unless otherwise specified | ||
Fair Value Of Assets And Liabilities Measured On Non Recurring Basis [Line Items] | ' | ' |
Mortgage servicing assets | $387 | $4,920 |
Permanent Real Estate Loans [Member] | ' | ' |
Fair Value Of Assets And Liabilities Measured On Non Recurring Basis [Line Items] | ' | ' |
Impaired loans | 637 | 6,166 |
Construction Loans [Member] | ' | ' |
Fair Value Of Assets And Liabilities Measured On Non Recurring Basis [Line Items] | ' | ' |
Impaired loans | 1,564 | 3,489 |
Permanent Real Estate [Member] | ' | ' |
Fair Value Of Assets And Liabilities Measured On Non Recurring Basis [Line Items] | ' | ' |
Other real estate owned, net: | 2,315 | 3,172 |
Construction [Member] | ' | ' |
Fair Value Of Assets And Liabilities Measured On Non Recurring Basis [Line Items] | ' | ' |
Other real estate owned, net: | 4,125 | 6,918 |
Commercial Loans [Member] | ' | ' |
Fair Value Of Assets And Liabilities Measured On Non Recurring Basis [Line Items] | ' | ' |
Impaired loans | ' | 257 |
Quoted Prices in Active Markets for Identical Assets (Level 1) [Member] | ' | ' |
Fair Value Of Assets And Liabilities Measured On Non Recurring Basis [Line Items] | ' | ' |
Mortgage servicing assets | ' | ' |
Quoted Prices in Active Markets for Identical Assets (Level 1) [Member] | Permanent Real Estate Loans [Member] | ' | ' |
Fair Value Of Assets And Liabilities Measured On Non Recurring Basis [Line Items] | ' | ' |
Impaired loans | ' | ' |
Quoted Prices in Active Markets for Identical Assets (Level 1) [Member] | Construction Loans [Member] | ' | ' |
Fair Value Of Assets And Liabilities Measured On Non Recurring Basis [Line Items] | ' | ' |
Impaired loans | ' | ' |
Quoted Prices in Active Markets for Identical Assets (Level 1) [Member] | Permanent Real Estate [Member] | ' | ' |
Fair Value Of Assets And Liabilities Measured On Non Recurring Basis [Line Items] | ' | ' |
Other real estate owned, net: | ' | ' |
Quoted Prices in Active Markets for Identical Assets (Level 1) [Member] | Construction [Member] | ' | ' |
Fair Value Of Assets And Liabilities Measured On Non Recurring Basis [Line Items] | ' | ' |
Other real estate owned, net: | ' | ' |
Quoted Prices in Active Markets for Identical Assets (Level 1) [Member] | Commercial Loans [Member] | ' | ' |
Fair Value Of Assets And Liabilities Measured On Non Recurring Basis [Line Items] | ' | ' |
Impaired loans | ' | ' |
Significant Other Observable Inputs (Level 2) [Member] | ' | ' |
Fair Value Of Assets And Liabilities Measured On Non Recurring Basis [Line Items] | ' | ' |
Mortgage servicing assets | 387 | 4,920 |
Significant Other Observable Inputs (Level 2) [Member] | Permanent Real Estate Loans [Member] | ' | ' |
Fair Value Of Assets And Liabilities Measured On Non Recurring Basis [Line Items] | ' | ' |
Impaired loans | ' | ' |
Significant Other Observable Inputs (Level 2) [Member] | Construction Loans [Member] | ' | ' |
Fair Value Of Assets And Liabilities Measured On Non Recurring Basis [Line Items] | ' | ' |
Impaired loans | ' | ' |
Significant Other Observable Inputs (Level 2) [Member] | Permanent Real Estate [Member] | ' | ' |
Fair Value Of Assets And Liabilities Measured On Non Recurring Basis [Line Items] | ' | ' |
Other real estate owned, net: | ' | ' |
Significant Other Observable Inputs (Level 2) [Member] | Construction [Member] | ' | ' |
Fair Value Of Assets And Liabilities Measured On Non Recurring Basis [Line Items] | ' | ' |
Other real estate owned, net: | ' | ' |
Significant Other Observable Inputs (Level 2) [Member] | Commercial Loans [Member] | ' | ' |
Fair Value Of Assets And Liabilities Measured On Non Recurring Basis [Line Items] | ' | ' |
Impaired loans | ' | ' |
Significant Unobservable Inputs (Level 3) [Member] | ' | ' |
Fair Value Of Assets And Liabilities Measured On Non Recurring Basis [Line Items] | ' | ' |
Mortgage servicing assets | ' | ' |
Significant Unobservable Inputs (Level 3) [Member] | Permanent Real Estate Loans [Member] | ' | ' |
Fair Value Of Assets And Liabilities Measured On Non Recurring Basis [Line Items] | ' | ' |
Impaired loans | 637 | 6,166 |
Significant Unobservable Inputs (Level 3) [Member] | Construction Loans [Member] | ' | ' |
Fair Value Of Assets And Liabilities Measured On Non Recurring Basis [Line Items] | ' | ' |
Impaired loans | 1,564 | 3,489 |
Significant Unobservable Inputs (Level 3) [Member] | Permanent Real Estate [Member] | ' | ' |
Fair Value Of Assets And Liabilities Measured On Non Recurring Basis [Line Items] | ' | ' |
Other real estate owned, net: | 2,315 | 3,172 |
Significant Unobservable Inputs (Level 3) [Member] | Construction [Member] | ' | ' |
Fair Value Of Assets And Liabilities Measured On Non Recurring Basis [Line Items] | ' | ' |
Other real estate owned, net: | 4,125 | 6,918 |
Significant Unobservable Inputs (Level 3) [Member] | Commercial Loans [Member] | ' | ' |
Fair Value Of Assets And Liabilities Measured On Non Recurring Basis [Line Items] | ' | ' |
Impaired loans | ' | $257 |
Fair_Value_Measurement_Quantit1
Fair Value Measurement - Quantitative Information About Level 3 Fair Value Measurements for Financial Instruments Measured at Fair Value on Nonrecurring Basis (Detail) (USD $) | 9 Months Ended | 12 Months Ended |
In Thousands, unless otherwise specified | Sep. 30, 2013 | Dec. 31, 2012 |
Fair Value Inputs, Assets, Quantitative Information [Line Items] | ' | ' |
Fair Value | 594 | ' |
Valuation Technique | 'Discounted cash flow | ' |
Impaired Loans Permanent Real Estate Loans [Member] | ' | ' |
Fair Value Inputs, Assets, Quantitative Information [Line Items] | ' | ' |
Fair Value | 637 | 6,166 |
Impaired Loans Construction [Member] | ' | ' |
Fair Value Inputs, Assets, Quantitative Information [Line Items] | ' | ' |
Fair Value | 1,564 | 3,489 |
Permanent Real Estate [Member] | ' | ' |
Fair Value Inputs, Assets, Quantitative Information [Line Items] | ' | ' |
Fair Value | 2,315 | 3,172 |
Construction [Member] | ' | ' |
Fair Value Inputs, Assets, Quantitative Information [Line Items] | ' | ' |
Fair Value | 4,125 | 6,918 |
Commercial Loans [Member] | ' | ' |
Fair Value Inputs, Assets, Quantitative Information [Line Items] | ' | ' |
Fair Value | ' | 257 |
Sales Comparison Approach [Member] | Impaired Loans Permanent Real Estate Loans [Member] | ' | ' |
Fair Value Inputs, Assets, Quantitative Information [Line Items] | ' | ' |
Valuation Technique | 'Sales comparison approach | 'Sales comparison approach |
Sales Comparison Approach [Member] | Impaired Loans Construction [Member] | ' | ' |
Fair Value Inputs, Assets, Quantitative Information [Line Items] | ' | ' |
Valuation Technique | 'Sales comparison approach | 'Sales comparison approach |
Sales Comparison Approach [Member] | Permanent Real Estate [Member] | ' | ' |
Fair Value Inputs, Assets, Quantitative Information [Line Items] | ' | ' |
Valuation Technique | 'Sales comparison approach | 'Sales comparison approach |
Sales Comparison Approach [Member] | Construction [Member] | ' | ' |
Fair Value Inputs, Assets, Quantitative Information [Line Items] | ' | ' |
Valuation Technique | 'Sales comparison approach | 'Sales comparison approach |
Sales Comparison Approach [Member] | Commercial Loans [Member] | ' | ' |
Fair Value Inputs, Assets, Quantitative Information [Line Items] | ' | ' |
Valuation Technique | ' | 'Sales comparison approach |
Income Approach [Member] | Impaired Loans Permanent Real Estate Loans [Member] | ' | ' |
Fair Value Inputs, Assets, Quantitative Information [Line Items] | ' | ' |
Valuation Technique | 'Income approach | 'Income approach |
Income Approach [Member] | Impaired Loans Construction [Member] | ' | ' |
Fair Value Inputs, Assets, Quantitative Information [Line Items] | ' | ' |
Valuation Technique | ' | 'Income approach |
Income Approach [Member] | Commercial Loans [Member] | ' | ' |
Fair Value Inputs, Assets, Quantitative Information [Line Items] | ' | ' |
Valuation Technique | ' | 'Income approach |
Weighted Average [Member] | Sales Comparison Approach [Member] | Impaired Loans Permanent Real Estate Loans [Member] | ' | ' |
Fair Value Inputs, Assets, Quantitative Information [Line Items] | ' | ' |
Adjustment for differences between comparable sales | 11.78% | 28.75% |
Weighted Average [Member] | Sales Comparison Approach [Member] | Impaired Loans Construction [Member] | ' | ' |
Fair Value Inputs, Assets, Quantitative Information [Line Items] | ' | ' |
Adjustment for differences between comparable sales | 11.90% | 9.83% |
Weighted Average [Member] | Sales Comparison Approach [Member] | Permanent Real Estate [Member] | ' | ' |
Fair Value Inputs, Assets, Quantitative Information [Line Items] | ' | ' |
Adjustment for differences between comparable sales | 17.76% | 10.20% |
Weighted Average [Member] | Sales Comparison Approach [Member] | Construction [Member] | ' | ' |
Fair Value Inputs, Assets, Quantitative Information [Line Items] | ' | ' |
Adjustment for differences between comparable sales | 9.24% | 17.63% |
Weighted Average [Member] | Sales Comparison Approach [Member] | Commercial Loans [Member] | ' | ' |
Fair Value Inputs, Assets, Quantitative Information [Line Items] | ' | ' |
Adjustment for differences between comparable sales | ' | 11.15% |
Weighted Average [Member] | Income Approach [Member] | Impaired Loans Permanent Real Estate Loans [Member] | ' | ' |
Fair Value Inputs, Assets, Quantitative Information [Line Items] | ' | ' |
Adjustment for differences in net operating income Capitalization rate | 9.41% | 9.49% |
Weighted Average [Member] | Income Approach [Member] | Impaired Loans Construction [Member] | ' | ' |
Fair Value Inputs, Assets, Quantitative Information [Line Items] | ' | ' |
Adjustment for differences in net operating income Capitalization rate | ' | 10.00% |
Weighted Average [Member] | Income Approach [Member] | Commercial Loans [Member] | ' | ' |
Fair Value Inputs, Assets, Quantitative Information [Line Items] | ' | ' |
Adjustment for differences in net operating income Capitalization rate | ' | 9.25% |
Minimum [Member] | Sales Comparison Approach [Member] | Impaired Loans Permanent Real Estate Loans [Member] | ' | ' |
Fair Value Inputs, Assets, Quantitative Information [Line Items] | ' | ' |
Adjustment for differences between comparable sales | 0.00% | 12.07% |
Minimum [Member] | Sales Comparison Approach [Member] | Impaired Loans Construction [Member] | ' | ' |
Fair Value Inputs, Assets, Quantitative Information [Line Items] | ' | ' |
Adjustment for differences between comparable sales | 0.00% | 0.00% |
Minimum [Member] | Sales Comparison Approach [Member] | Permanent Real Estate [Member] | ' | ' |
Fair Value Inputs, Assets, Quantitative Information [Line Items] | ' | ' |
Adjustment for differences between comparable sales | 6.00% | 3.60% |
Minimum [Member] | Sales Comparison Approach [Member] | Construction [Member] | ' | ' |
Fair Value Inputs, Assets, Quantitative Information [Line Items] | ' | ' |
Adjustment for differences between comparable sales | 6.54% | 0.00% |
Minimum [Member] | Sales Comparison Approach [Member] | Commercial Loans [Member] | ' | ' |
Fair Value Inputs, Assets, Quantitative Information [Line Items] | ' | ' |
Adjustment for differences between comparable sales | ' | 1.60% |
Minimum [Member] | Income Approach [Member] | Impaired Loans Permanent Real Estate Loans [Member] | ' | ' |
Fair Value Inputs, Assets, Quantitative Information [Line Items] | ' | ' |
Adjustment for differences between comparable sales | 3.95% | 7.52% |
Minimum [Member] | Income Approach [Member] | Commercial Loans [Member] | ' | ' |
Fair Value Inputs, Assets, Quantitative Information [Line Items] | ' | ' |
Adjustment for differences between comparable sales | ' | 8.50% |
Maximum [Member] | Sales Comparison Approach [Member] | Impaired Loans Permanent Real Estate Loans [Member] | ' | ' |
Fair Value Inputs, Assets, Quantitative Information [Line Items] | ' | ' |
Adjustment for differences between comparable sales | 56.90% | 45.44% |
Maximum [Member] | Sales Comparison Approach [Member] | Impaired Loans Construction [Member] | ' | ' |
Fair Value Inputs, Assets, Quantitative Information [Line Items] | ' | ' |
Adjustment for differences between comparable sales | 25.00% | 25.00% |
Maximum [Member] | Sales Comparison Approach [Member] | Permanent Real Estate [Member] | ' | ' |
Fair Value Inputs, Assets, Quantitative Information [Line Items] | ' | ' |
Adjustment for differences between comparable sales | 46.53% | 16.47% |
Maximum [Member] | Sales Comparison Approach [Member] | Construction [Member] | ' | ' |
Fair Value Inputs, Assets, Quantitative Information [Line Items] | ' | ' |
Adjustment for differences between comparable sales | 26.63% | 47.24% |
Maximum [Member] | Sales Comparison Approach [Member] | Commercial Loans [Member] | ' | ' |
Fair Value Inputs, Assets, Quantitative Information [Line Items] | ' | ' |
Adjustment for differences between comparable sales | ' | 24.18% |
Maximum [Member] | Income Approach [Member] | Impaired Loans Permanent Real Estate Loans [Member] | ' | ' |
Fair Value Inputs, Assets, Quantitative Information [Line Items] | ' | ' |
Adjustment for differences between comparable sales | 14.62% | 10.73% |
Maximum [Member] | Income Approach [Member] | Commercial Loans [Member] | ' | ' |
Fair Value Inputs, Assets, Quantitative Information [Line Items] | ' | ' |
Adjustment for differences between comparable sales | ' | 10.00% |
Fair_Value_Measurement_Carryin
Fair Value Measurement - Carrying Value and Estimated Fair Values of Financial Instruments (Detail) (USD $) | Sep. 30, 2013 | Dec. 31, 2012 | Sep. 30, 2012 | Dec. 31, 2011 |
In Thousands, unless otherwise specified | ||||
Fair Value Inputs Assets Liabilities Quantitative Information [Line Items] | ' | ' | ' | ' |
Cash and cash equivalents, Carrying Value | $86,130 | $42,613 | $57,530 | $54,136 |
Available for sale securities, Fair value | 542,811 | 574,562 | ' | ' |
Loans held for sale, Carrying Value | 2,894 | 13,031 | ' | ' |
Loans, net, Carrying Value | 1,009,029 | 1,066,240 | ' | ' |
FHLB stock, Carrying Value | 26,464 | 26,464 | ' | ' |
Accrued interest receivable, Carrying Value | 5,200 | 6,238 | ' | ' |
FHLB advances, Carrying Value | -50,000 | -50,000 | ' | ' |
Repurchase agreements and other, Carrying Value | -90,583 | -90,598 | ' | ' |
Advance payments by borrowers for taxes and insurance, Carrying Value | -12,126 | -23,590 | ' | ' |
Accrued interest payable, Carrying Value | -592 | -563 | ' | ' |
Carrying Value [Member] | ' | ' | ' | ' |
Fair Value Inputs Assets Liabilities Quantitative Information [Line Items] | ' | ' | ' | ' |
Cash and cash equivalents, Carrying Value | 86,130 | 42,613 | ' | ' |
Available for sale securities, Carrying value | 542,811 | 574,562 | ' | ' |
Loans held for sale, Carrying Value | 2,894 | 13,031 | ' | ' |
Loans, net, Carrying Value | 1,009,029 | 1,066,240 | ' | ' |
FHLB stock, Carrying Value | 26,464 | 26,464 | ' | ' |
FHLB stock, Fair Value | ' | ' | ' | ' |
Accrued interest receivable, Carrying Value | 5,200 | 6,238 | ' | ' |
Interest rate caps, Carrying Value | 594 | 436 | ' | ' |
Checking, savings and money market accounts, Carrying Value | -900,444 | -902,776 | ' | ' |
Certificates of deposit, Carrying Value | -510,166 | -559,298 | ' | ' |
FHLB advances, Carrying Value | -50,000 | -50,000 | ' | ' |
Repurchase agreements and other, Carrying Value | -90,583 | -90,598 | ' | ' |
Advance payments by borrowers for taxes and insurance, Carrying Value | -12,126 | -23,590 | ' | ' |
Accrued interest payable, Carrying Value | -592 | -563 | ' | ' |
Estimate Fair Value [Member] | Quoted Prices in Active Markets for Identical Assets (Level 1) [Member] | ' | ' | ' | ' |
Fair Value Inputs Assets Liabilities Quantitative Information [Line Items] | ' | ' | ' | ' |
Cash and cash equivalents, Fair Value | 86,130 | 42,613 | ' | ' |
Available for sale securities, Fair value | 396 | 313 | ' | ' |
Loans held for sale, Fair Value | ' | ' | ' | ' |
Loans, net, Fair Value | ' | ' | ' | ' |
FHLB stock, Fair Value | ' | ' | ' | ' |
Accrued interest receivable, Fair Value | ' | ' | ' | ' |
Interest rate caps, Fair Value | ' | ' | ' | ' |
Checking, savings and money market accounts, Fair Value | -900,444 | -902,776 | ' | ' |
Certificates of deposit, Fair Value | ' | ' | ' | ' |
FHLB advances, Fair Value | ' | ' | ' | ' |
Repurchase agreements and other, Fair Value | ' | ' | ' | ' |
Advance payments by borrowers for taxes and insurance, Fair Value | ' | ' | ' | ' |
Accrued interest payable, Fair Value | ' | ' | ' | ' |
Estimate Fair Value [Member] | Significant Other Observable Inputs (Level 2) [Member] | ' | ' | ' | ' |
Fair Value Inputs Assets Liabilities Quantitative Information [Line Items] | ' | ' | ' | ' |
Cash and cash equivalents, Fair Value | ' | ' | ' | ' |
Available for sale securities, Fair value | 542,415 | 574,249 | ' | ' |
Loans held for sale, Fair Value | 2,947 | 13,428 | ' | ' |
Loans, net, Fair Value | ' | ' | ' | ' |
FHLB stock, Fair Value | ' | ' | ' | ' |
Accrued interest receivable, Fair Value | 2,081 | 2,380 | ' | ' |
Interest rate caps, Fair Value | ' | ' | ' | ' |
Checking, savings and money market accounts, Fair Value | ' | ' | ' | ' |
Certificates of deposit, Fair Value | -519,632 | -571,836 | ' | ' |
FHLB advances, Fair Value | -55,808 | -57,077 | ' | ' |
Repurchase agreements and other, Fair Value | -99,292 | -102,086 | ' | ' |
Advance payments by borrowers for taxes and insurance, Fair Value | -12,126 | -23,590 | ' | ' |
Accrued interest payable, Fair Value | -592 | -563 | ' | ' |
Estimate Fair Value [Member] | Significant Unobservable Inputs (Level 3) [Member] | ' | ' | ' | ' |
Fair Value Inputs Assets Liabilities Quantitative Information [Line Items] | ' | ' | ' | ' |
Cash and cash equivalents, Fair Value | ' | ' | ' | ' |
Available for sale securities, Fair value | ' | ' | ' | ' |
Loans held for sale, Fair Value | ' | ' | ' | ' |
Loans, net, Fair Value | 1,021,206 | 1,087,205 | ' | ' |
FHLB stock, Fair Value | ' | ' | ' | ' |
Accrued interest receivable, Fair Value | 3,119 | 3,858 | ' | ' |
Interest rate caps, Fair Value | 594 | 436 | ' | ' |
Checking, savings and money market accounts, Fair Value | ' | ' | ' | ' |
Certificates of deposit, Fair Value | ' | ' | ' | ' |
FHLB advances, Fair Value | ' | ' | ' | ' |
Repurchase agreements and other, Fair Value | ' | ' | ' | ' |
Advance payments by borrowers for taxes and insurance, Fair Value | ' | ' | ' | ' |
Accrued interest payable, Fair Value | ' | ' | ' | ' |
Statement_of_Cash_Flows_Supple2
Statement of Cash Flows Supplemental Disclosure - Supplemental Disclosures of Cash Flow Information (Detail) (USD $) | 9 Months Ended | |
In Thousands, unless otherwise specified | Sep. 30, 2013 | Sep. 30, 2012 |
Supplemental Cash Flow Elements [Abstract] | ' | ' |
Interest on deposits and borrowings | $10,146 | $14,202 |
Income taxes | 500 | ' |
Loans transferred from portfolio to held for sale | ' | 1,214 |
Transfers from loans to real estate owned and other repossessed assets | 1,468 | 5,743 |
Transfers from real estate owned to premises and equipment | ' | 1,746 |
Amortization of preferred stock discount | 6,751 | ' |
Conversion of preferred stock to common stock | $21,841 | ' |
Earnings_Per_Share_Additional_
Earnings Per Share - Additional Information (Detail) (USD $) | 3 Months Ended | 9 Months Ended | |||
Sep. 30, 2013 | Mar. 30, 2013 | Sep. 30, 2012 | Sep. 30, 2013 | Sep. 30, 2012 | |
Earnings Per Share [Abstract] | ' | ' | ' | ' | ' |
Anti-dilutive convertible preferred stock | 685,272 | 7,942 | 1,658,390 | 681,962 | 1,658,390 |
Preferred convertible securities conversion price | ' | ' | ' | $2.75 | ' |
Preferred convertible securities market value per share | ' | ' | ' | $3.60 | ' |
Earnings_Per_Share_Computation
Earnings Per Share - Computation of Earnings Per Share (Detail) (USD $) | 3 Months Ended | 9 Months Ended | ||
In Thousands, except Per Share data, unless otherwise specified | Sep. 30, 2013 | Sep. 30, 2012 | Sep. 30, 2013 | Sep. 30, 2012 |
Earnings Per Share [Abstract] | ' | ' | ' | ' |
Net income (loss) per consolidated statements of income | $1,717 | ($26,891) | $7,788 | ($23,033) |
Net (income) loss allocated to participating securities | -4 | 73 | -22 | 43 |
Amortization of discount on preferred stock | ' | ' | -6,751 | ' |
Net income (loss) allocated to common stock | 1,713 | -26,818 | 1,015 | -22,990 |
Distributed earnings allocated to common stock | ' | ' | ' | ' |
Undistributed earnings (loss) allocated to common stock | 1,713 | -26,818 | 1,015 | -22,990 |
Net income (loss) allocated to common stock | 1,713 | -26,818 | 1,015 | -22,990 |
Weighted average common shares outstanding, including shares considered participating securities | 50,219 | 32,847 | 42,455 | 32,781 |
Less: Average participating securities | -109 | -96 | -118 | -66 |
Weighted average shares | 50,110 | 32,751 | 42,337 | 32,715 |
Basic earnings (loss) per common share | $0.03 | ($0.82) | $0.02 | ($0.70) |
Net income (loss) allocated to common stock | $1,713 | ($26,818) | $1,015 | ($22,990) |
Weighted average common shares outstanding for basic earnings per common share | 50,110 | 32,751 | 42,337 | 32,715 |
Add: Dilutive effects of assumed exercises of stock options | 272 | ' | 275 | ' |
Weighted average shares and dilutive potential common shares | 50,382 | 32,751 | 42,612 | 32,715 |
Diluted earnings (loss) per common share | $0.03 | ($0.82) | $0.02 | ($0.70) |
Earnings_Per_Share_Summary_of_
Earnings Per Share - Summary of BCF Resulting from Issuance of Preferred Shares (Detail) (USD $) | 9 Months Ended |
In Thousands, except Share data, unless otherwise specified | Sep. 30, 2013 |
Earnings Per Share [Abstract] | ' |
Total common shares that may be issued upon conversion of preferred shares | 7,942,000 |
Intrinsic value (difference between consideration allocated to preferred stock upon conversion at $2.75 per share and market price of $3.60 per share on March 22, 2013) | $0.85 |
Beneficial conversion feature | $21,841 |
Earnings_Per_Share_Summary_of_1
Earnings Per Share - Summary of BCF Resulting from Issuance of Preferred Shares (Parenthetical) (Detail) (USD $) | 9 Months Ended |
Sep. 30, 2013 | |
Earnings Per Common Share [Line Items] | ' |
Consideration allocated to preferred stock upon conversion price | $2.75 |
Preferred Stock [Member] | ' |
Earnings Per Common Share [Line Items] | ' |
Market price | $3.60 |
Other_Comprehensive_Income_Los2
Other Comprehensive Income (Loss) - Additional Information (Detail) (USD $) | 3 Months Ended | 9 Months Ended | ||
Sep. 30, 2013 | Sep. 30, 2012 | Sep. 30, 2013 | Sep. 30, 2012 | |
Amounts Reclassified Out Of Accumulated Other Comprehensive Income Loss [Abstract] | ' | ' | ' | ' |
Reclassification adjustment for gains realized in income | $0 | $1,192,000 | $2,578,000 | $5,161,000 |
Other than temporary impairment of securities available for sale | $0 | $0 | $0 | $0 |
Other_Comprehensive_Income_Los3
Other Comprehensive Income (Loss) - Other Comprehensive Income (Loss) Components and Related Tax Effects (Detail) (USD $) | 3 Months Ended | 9 Months Ended | ||
In Thousands, unless otherwise specified | Sep. 30, 2013 | Sep. 30, 2012 | Sep. 30, 2013 | Sep. 30, 2012 |
Amounts Reclassified Out Of Accumulated Other Comprehensive Income Loss [Abstract] | ' | ' | ' | ' |
Unrealized holding gain (loss) on securities available for sale | ($2,121) | $6,759 | ($35,428) | $13,270 |
Unrealized holding gain (loss) on postretirement benefits | ' | ' | ' | ' |
Reclassification adjustment for gains realized in income | 0 | -1,192 | -2,578 | -5,161 |
Net unrealized gains (losses) | -2,121 | 5,567 | -38,006 | 8,109 |
Tax effect | ' | -2,838 | ' | -2,838 |
Net of tax amount | ($2,121) | $2,729 | ($38,006) | $5,271 |
Other_Comprehensive_Income_Los4
Other Comprehensive Income (Loss) - Summary of Accumulated Other Comprehensive Income (Loss) Balances, Net of Tax (Detail) (USD $) | 3 Months Ended | 9 Months Ended | ||
In Thousands, unless otherwise specified | Sep. 30, 2013 | Sep. 30, 2012 | Sep. 30, 2013 | Sep. 30, 2012 |
Amounts Reclassified Out Of Accumulated Other Comprehensive Income Loss [Abstract] | ' | ' | ' | ' |
Unrealized gains (losses) on securities available for sale, Beginning Balance | ' | ' | $5,082 | ' |
Unrealized gains (losses) on post-retirement benefits, Beginning Balance | 1,600 | ' | 1,600 | ' |
Total, Beginning Balance | ' | ' | 6,682 | ' |
Unrealized gains (losses) on securities available for sale, Current Period Change | -2,121 | 2,729 | -38,006 | 5,271 |
Unrealized gains (losses) on post-retirement benefits, Current Period Change | ' | ' | ' | ' |
Total other comprehensive income (loss) | -2,121 | 2,729 | -38,006 | 5,271 |
Unrealized gains (losses) on securities available for sale, Ending Balance | -32,924 | ' | -32,924 | ' |
Unrealized gains (losses) on post-retirement benefits, Ending Balance | 1,600 | ' | 1,600 | ' |
Total, Ending Balance | ($31,324) | ' | ($31,324) | ' |
Other_Comprehensive_Income_Los5
Other Comprehensive Income (Loss) - Summary of Each Component of Accumulated Other Comprehensive Income (Loss), Net Income (Detail) (USD $) | 3 Months Ended | 9 Months Ended | ||
In Thousands, unless otherwise specified | Sep. 30, 2013 | Sep. 30, 2012 | Sep. 30, 2013 | Sep. 30, 2012 |
Amounts Reclassified Out Of Accumulated Other Comprehensive Income Loss [Abstract] | ' | ' | ' | ' |
Unrealized gains/losses on Available for Sale Securities, Beginning Balance | ($30,803) | ' | $5,082 | ' |
Other comprehensive loss before reclassification, Unrealized gains/losses on Available for Sale Securities | -2,121 | ' | -35,428 | ' |
Amounts reclassified from accumulated other comprehensive loss, Unrealized gains/losses on Available for Sale Securities | 0 | -1,192 | -2,578 | -5,161 |
Unrealized gains (losses) on securities available for sale, Current Period Change | -2,121 | 2,729 | -38,006 | 5,271 |
Unrealized gains/losses on Available for Sale Securities, Ending Balance | -32,924 | ' | -32,924 | ' |
Postretirement Benefits, Beginning Balance | 1,600 | ' | 1,600 | ' |
Other comprehensive loss before reclassification, Postretirement Benefits | ' | ' | ' | ' |
Amounts reclassified from accumulated other comprehensive loss, Postretirement Benefits | ' | ' | ' | ' |
Net current period other comprehensive loss, Postretirement Benefits | ' | ' | ' | ' |
Postretirement Benefits, Ending Balance | 1,600 | ' | 1,600 | ' |
Total, Beginning Balance | -29,203 | ' | 6,682 | ' |
Other comprehensive loss before reclassification, Total | -2,121 | ' | -35,428 | ' |
Amounts reclassified from accumulated other comprehensive loss, Total | ' | ' | -2,578 | ' |
Total other comprehensive income (loss) | -2,121 | 2,729 | -38,006 | 5,271 |
Total, Ending Balance | ($31,324) | ' | ($31,324) | ' |
Regulatory_Capital_Requirement2
Regulatory Capital Requirements - Actual and Statutory Required Capital Amounts and Ratios (Detail) (USD $) | Sep. 30, 2013 | Jan. 31, 2013 | Dec. 31, 2012 | Jun. 30, 2012 |
In Thousands, unless otherwise specified | ||||
Compliance with Regulatory Capital Requirements under Banking Regulations [Line Items] | ' | ' | ' | ' |
Total risk-based capital to risk-weighted assets, ratio | 19.78% | 12.00% | ' | 12.00% |
Tier 1 capital to average total assets, ratio | 10.26% | 8.50% | 8.70% | 9.00% |
Actual [Member] | ' | ' | ' | ' |
Compliance with Regulatory Capital Requirements under Banking Regulations [Line Items] | ' | ' | ' | ' |
Total risk-based capital to risk-weighted assets | 197,975 | ' | 174,139 | ' |
Tier 1 capital to risk-weighted assets | 185,360 | ' | 160,612 | ' |
Tier 1 capital to average total assets | 185,360 | ' | 160,612 | ' |
Total risk-based capital to risk-weighted assets, ratio | 19.78% | ' | 16.21% | ' |
Tier 1 capital to risk-weighted assets, ratio | 18.52% | ' | 14.95% | ' |
Tier 1 capital to average total assets, ratio | 10.26% | ' | 8.70% | ' |
Minimum Capital Requirements Per Memorandum of Understanding [Member] | ' | ' | ' | ' |
Compliance with Regulatory Capital Requirements under Banking Regulations [Line Items] | ' | ' | ' | ' |
Total risk-based capital to risk-weighted assets | 120,090 | ' | ' | ' |
Tier 1 capital to average total assets | 162,536 | ' | ' | ' |
Total risk-based capital to risk-weighted assets, ratio | 12.00% | ' | ' | ' |
Tier 1 capital to risk-weighted assets, ratio | ' | ' | ' | ' |
Tier 1 capital to average total assets, ratio | 8.50% | ' | ' | ' |
Minimum Capital Requirements Per Regulation [Member] | ' | ' | ' | ' |
Compliance with Regulatory Capital Requirements under Banking Regulations [Line Items] | ' | ' | ' | ' |
Total risk-based capital to risk-weighted assets | 80,060 | ' | 85,965 | ' |
Tier 1 capital to risk-weighted assets | ' | ' | ' | ' |
Tier 1 capital to average total assets | 72,239 | ' | 73,878 | ' |
Total risk-based capital to risk-weighted assets, ratio | 8.00% | ' | 8.00% | ' |
Tier 1 capital to risk-weighted assets, ratio | ' | ' | ' | ' |
Tier 1 capital to average total assets, ratio | 4.00% | ' | 4.00% | ' |
To be Well Capitalized Under Prompt Corrective Action Provisions [Member] | ' | ' | ' | ' |
Compliance with Regulatory Capital Requirements under Banking Regulations [Line Items] | ' | ' | ' | ' |
Total risk-based capital to risk-weighted assets | 100,075 | ' | 107,457 | ' |
Tier 1 capital to risk-weighted assets | 60,045 | ' | 64,474 | ' |
Tier 1 capital to average total assets | 90,298 | ' | 92,348 | ' |
Total risk-based capital to risk-weighted assets, ratio | 10.00% | ' | 10.00% | ' |
Tier 1 capital to risk-weighted assets, ratio | 6.00% | ' | 6.00% | ' |
Tier 1 capital to average total assets, ratio | 5.00% | ' | 5.00% | ' |
Minimum Capital Requirements Per Bank Order [Member] | ' | ' | ' | ' |
Compliance with Regulatory Capital Requirements under Banking Regulations [Line Items] | ' | ' | ' | ' |
Total risk-based capital to risk-weighted assets | ' | ' | 128,948 | ' |
Tier 1 capital to risk-weighted assets | ' | ' | ' | ' |
Tier 1 capital to average total assets | ' | ' | 166,226 | ' |
Total risk-based capital to risk-weighted assets, ratio | ' | ' | 12.00% | ' |
Tier 1 capital to risk-weighted assets, ratio | ' | ' | ' | ' |
Tier 1 capital to average total assets, ratio | ' | ' | 9.00% | ' |
Regulatory_Capital_Requirement3
Regulatory Capital Requirements - Additional Information (Detail) | 9 Months Ended | 12 Months Ended | ||
Sep. 30, 2013 | Dec. 31, 2012 | Jan. 31, 2013 | Jun. 30, 2012 | |
Compliance with Regulatory Capital Requirements under Banking Regulations [Line Items] | ' | ' | ' | ' |
Tier 1 capital to average total assets, ratio | 10.26% | 8.70% | 8.50% | 9.00% |
Minimum total risk-based Capital Ratio | 12.00% | ' | ' | ' |
Maximum period to restore capital ratio to required level | '90 days | ' | ' | ' |
Minimum Tier 1 leverage ratio to prevent from restoring capital ratios | ' | 9.00% | ' | ' |
Bank's commitment, effective date | 31-Mar-13 | ' | ' | ' |
Total risk-based capital to risk-weighted assets, ratio | 19.78% | ' | 12.00% | 12.00% |
Minimum [Member] | ' | ' | ' | ' |
Compliance with Regulatory Capital Requirements under Banking Regulations [Line Items] | ' | ' | ' | ' |
Tier 1 capital to risk-weighted assets, ratio | 4.50% | ' | ' | ' |
Tier 1 capital to risk-based assets | 4.00% | ' | ' | ' |
Higher risk weight | 150.00% | ' | ' | ' |
Period of nonaccrual status | '90 days | ' | ' | ' |
Common equity Tier 1 capital risk-based weighted assets | 2.50% | ' | ' | ' |
Maximum [Member] | ' | ' | ' | ' |
Compliance with Regulatory Capital Requirements under Banking Regulations [Line Items] | ' | ' | ' | ' |
Tier 1 capital to risk-based assets | 6.00% | ' | ' | ' |
Minimum Capital Requirements Per Memorandum of Understanding [Member] | ' | ' | ' | ' |
Compliance with Regulatory Capital Requirements under Banking Regulations [Line Items] | ' | ' | ' | ' |
Tier 1 capital to average total assets, ratio | 8.50% | ' | ' | ' |
Total risk-based capital to risk-weighted assets, ratio | 12.00% | ' | ' | ' |
Tier 1 capital to risk-weighted assets, ratio | ' | ' | ' | ' |
Capital_Raise_Additional_Infor
Capital Raise - Additional Information (Detail) (USD $) | 1 Months Ended | 9 Months Ended | 1 Months Ended | |||
28-May-13 | Apr. 26, 2013 | Mar. 22, 2013 | Sep. 30, 2013 | Jan. 11, 2013 | Jan. 11, 2013 | |
Common Shares [Member] | Convertible Preferred Stock [Member] | |||||
Investor | ||||||
Compliance with Regulatory Capital Requirements under Banking Regulations [Line Items] | ' | ' | ' | ' | ' | ' |
Private offering securities issued to accredited investors | ' | ' | ' | $21,841,000 | $39,900,000 | ' |
Number of accredited investors | ' | ' | ' | ' | 28 | ' |
Stock issued, shares | ' | ' | ' | ' | 6,574,272 | 7,942 |
Purchase price per common share through right offering | ' | $2.75 | ' | ' | $2.75 | ' |
Sales price per share | ' | ' | ' | ' | $2.75 | $2,750 |
Amount received private offering securities issued to accredited investors | ' | ' | 39,900,000 | ' | ' | ' |
Common stock shares issued upon conversion of each preferred shares | 1,000 | ' | ' | ' | ' | ' |
Investment of insider investors in common share | ' | ' | ' | ' | 2,100,000 | ' |
Newly issued common shares | ' | ' | ' | ' | 755,820 | ' |
Right to purchase share, value | ' | 5,000,000 | ' | ' | ' | ' |
Common shares purchase through subscription rights | 1,818,181 | ' | ' | ' | ' | ' |
Private placement portion of the capital raise | ' | ' | ' | $4,600,000 | ' | ' |
Income_Taxes_Additional_Inform
Income Taxes - Additional Information (Detail) (USD $) | Sep. 30, 2013 | Dec. 31, 2012 |
In Millions, unless otherwise specified | ||
Income Tax Disclosure [Abstract] | ' | ' |
Net deferred tax asset | $39.70 | $28.80 |
Deferred tax asset attributable to unrealized Losses | 10.5 | ' |
Deferred tax liability attributable to unrealized gains | ' | 2.8 |
Net operating loss carryforward | $72.90 | $81.20 |