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

3 Months Ended

Mar. 31, 2013

Tables/Schedules

Allowance for Credit Losses on Financing Receivables

The following table presents an analysis of the allowance for loan losses.

(in 000's)		For the Three months ended March 31, 2013
	Commercial and industrial		Commercial real estate	Consumer real estate	Consumer and other loans	Total
Beginning balance	$                    891		$                       308	$                    5	$                       -	$                 1,204
Provision for loan losses	62		(33)	41	-	70
Charge-offs	(340)		-	-	-	(340)
Recoveries	1		-	2	-	3
Net charge-offs	(339)		-	2	-	(337)
Ending balance	$                    614		$                       275	$                    48	$                   -	$                   937

(in 000’s)		For the three months ended March 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	30		-	-	-	30
Charge-offs	-		-	(38)	(3)	(41)
Recoveries	-		-	5	3	8
Net charge-offs	-		-	(33)	-	(33)
Ending balance	$                       417		$                      412	$                  35	$                       -	$                       864

(in 000's)		March 31, 2013
	Commercial and industrial		Commercial real estate	Consumer real estate	Consumer and other loans	Total
Period-end amount allocated to:
Loans indivdually evaluated for impairment	$                    534		$                            -	$                 -	$                   -	$                   534
Loans collectively  evaluated for impairment	80		275	48	-	403
	$                    614		$                       275	$                48	$                   -	$                   937
Loans, ending balance:
Loans indivdually evaluated for impairment	$                    712		$                     1,310	$                 -	$                   -	$                 2,022
Loans collectively  evaluated for impairment	3,050		29,665	4,527	1,714	38,956
Total	$                 3,762		$                 30,975	$          4,527	$            1,714	$               40,978

(in 000's)		December 31, 2012
	Commercial and industrial		Commercial real estate	Consumer real estate	Consumer and other loans	Total
Period-end amount allocated to:
Loans indivdually evaluated for impairment	$                       843		$                           -	$                    -	$                       -	$                       843
Loans collectively  evaluated for impairment	48		308	5	-	361
	$                       891		$                       308	$                         5	$                           -	$                       1,204
Loans, ending balance:
Loans indivdually 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