4. Loans and Allowance For Loan Losses: Impaired Financing Receivables (Tables)

12 Months Ended

Dec. 31, 2012

Tables/Schedules

Impaired Financing Receivables

Year-end 2012 impaired loans are set forth in the following table.

(In 000’s)
	Unpaid Contractual  Principal  Balance	Recorded Investment  With No  Allowance	Recorded Investment  With  Allowance	Total  Recorded  Investment	Related  Allowance	Average  Recorded  Investment	Interest recognized  on impaired  loans
Commercial and industrial:
Commercial	$873	$78	$795	$873	$695	$541	$11
SBA  loans	49	-	49	49	49	29	-
Asset-based	99	-	99	99	99	119	-
Total Commercial and industrial	1,021	78	943	1,021	843	689	11
Commercial real estate:
Commercial mortgages	649	649	-	649	-	681	1
SBA  Loans	-	-	-	-	-	-	-
Religious Organizations	674	674	-	674	-	420	27
Total Commercial real estate	1,323	1,323	-	1,323	-	1,101	28
Total Loans	$2,344	$1,401	$943	$2,344	$843	$1,790	$39

Year-end 2011 impaired loans are set forth in the following table.

(In 000’s)
	Unpaid Contractual  Principal  Balance	Recorded Investment  With No  Allowance	Recorded Investment  With  Allowance	Total  Recorded  Investment	Related  Allowance	Average  Recorded  Investment	Interest recognized  on impaired  loans
Commercial and industrial:
Commercial	$491	$78	$413	$491	$246	$483	-
SBA  loans	-	-	-	-	-	15	-
Asset-based	101	-	101	101	62	59	-
Total Commercial and industrial	592	78	514	592	308	557	-
Commercial real estate:
Commercial mortgages	677	677	-	677	-	797	2
SBA  Loans	-	-	-	-	-	49	-
Religious Organizations	418	418	-	418	-	436	3
Total Commercial real estate	1,095	1,095	-	1,095	-	1,282	5
Total Loans	$1,687	$1,173	$514	$1,687	$308	$1,839	$5