4. Loans and Allowance For Loan Losses: Allowance for Credit Losses on Financing Receivables (Tables)

12 Months Ended

Dec. 31, 2012

Tables/Schedules

Allowance for Credit Losses on Financing Receivables

(in 000's)	For the Year Ended December 31, 2012
	Commercial and industrial	Commercial real estate	Consumer real estate	Consumer and other loans	Total
Beginning balance	$387	$412	$68	-	$867
Provision for loan losses	560	(112)	-	5	453
Charge-offs	(56)	-	(80)	(21)	(157)
Recoveries	-	8	17	16	41
Net charge-offs	(56)	8	(63)	(5)	(116)
Ending balance	$891	$308	$5	-	$1,204

(in 000's)	For the Year Ended December 31, 2011
	Commercial and industrial	Commercial real estate	Consumer real estate	Consumer and other loans	Total
Beginning balance	$301	$553	$52	$20	$926
Provision for loan losses	150	-	15	5	170
Charge-offs	(65)	(150)	(5)	(46)	(266)
Recoveries	1	9	6	21	37
Net charge-offs	(64)	(141)	1	(25)	(229)
Ending balance	$387	$412	$68	-	$867

(in 000's)	As of December 31, 2012
	Commercial and industrial	Commercial real estate	Consumer real estate	Consumer and other loans	Total
Period-end amount allocated to:
Loans individually evaluated for impairment	$843	-	-	-	$843
Loans collectively  evaluated for impairment	48	308	5	-	361
	$891	$308	$5	-	$1,204
Loans, ending balance:
Loans individually evaluated for impairment	$1,021	$1,323	-	-	2,344
Loans collectively  evaluated for impairment	2,713	30,058	4,619	1,768	39,158
Total	$3,734	$31,381	$4,619	$1,768	$41,502

(in 000's)		As of December 31, 2011
	Commercial and industrial	Commercial real estate	Consumer real estate	Consumer and other loans	Total
Period-end amount allocated to:
Loans individually evaluated for impairment	$308	-	-	-	$308
Loans collectively  evaluated for impairment	79	412	68	-	559
	$387	$412	$68	-	$867
Loans, ending balance:
Loans individually evaluated for impairment	$592	$1,095	-	-	$1,687
Loans collectively  evaluated for impairment	3,138	29,102	5,586	1,989	39,815
Total	$3,730	$30,197	$5,586	$1,989	$41,502