LOANS - Changes in the allowance for loan losses (Details) (USD $)
In Thousands, unless otherwise specified |
3 Months Ended | 9 Months Ended | ||
---|---|---|---|---|
Sep. 30, 2012
|
Sep. 30, 2011
|
Sep. 30, 2012
|
Sep. 30, 2011
|
|
Beginning balance
|
||||
Residential | $ 1,475 | $ 1,583 | $ 1,478 | $ 1,504 |
Commercial | 1,277 | 1,239 | 1,139 | 1,132 |
Land | 219 | 271 | 410 | 392 |
Real estate | 2,971 | 3,093 | 3,027 | 3,028 |
Commercial & industrial | 820 | 521 | 704 | 541 |
Municipal | 27 | 28 | 24 | 51 |
Consumer | 66 | 90 | 79 | 164 |
Unallocated | 323 | 247 | 242 | 136 |
Totals | 4,207 | 3,979 | 4,076 | 3,920 |
Provision (benefit)
|
||||
Residential | 92 | 73 | 226 | 269 |
Commercial | (206) | (145) | (72) | 138 |
Land | 318 | 179 | 169 | 137 |
Real estate | 204 | 107 | 323 | 544 |
Commercial & industrial | (23) | (92) | 114 | (22) |
Municipal | 6 | (3) | 9 | (26) |
Consumer | 74 | 8 | 92 | 94 |
Unallocated | 69 | 160 | 152 | 270 |
Totals | 330 | 180 | 690 | 860 |
Charge offs
|
||||
Residential | (88) | (50) | (225) | (170) |
Commercial | (41) | (30) | (41) | (206) |
Land | (224) | (75) | (266) | (154) |
Real estate | (353) | (155) | (532) | (530) |
Commercial & industrial | (29) | (89) | ||
Municipal | ||||
Consumer | (14) | (10) | (63) | (189) |
Unallocated | ||||
Totals | (367) | (165) | (624) | (808) |
Recoveries
|
||||
Residential | 3 | |||
Commercial | 3 | 1 | 7 | 1 |
Land | ||||
Real estate | 3 | 1 | 7 | 4 |
Commercial & industrial | 1 | 29 | 9 | 29 |
Municipal | ||||
Consumer | 5 | 3 | 22 | 22 |
Unallocated | (1) | 0 | ||
Totals | 9 | 33 | 37 | 55 |
Ending balance
|
||||
Residential | 1,479 | 1,606 | 1,479 | 1,606 |
Commercial | 1,033 | 1,065 | 1,033 | 1,065 |
Land | 313 | 375 | 313 | 375 |
Real estate | 2,825 | 3,046 | 2,825 | 3,046 |
Commercial & industrial | 798 | 459 | 798 | 458 |
Municipal | 33 | 25 | 33 | 25 |
Consumer | 130 | 91 | 130 | 91 |
Unallocated | 393 | 406 | 393 | 407 |
Totals | $ 4,179 | $ 4,027 | $ 4,179 | $ 4,027 |