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

6 Months Ended

Jun. 30, 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 June 30, 2013
	Commercial and industrial	Commercial real estate	Consumer real estate	Consumer loans other	Total
Beginning balance	$614	$275	$48	-	$937
Provision (credit) for loan losses	15	(65)	(6)	1	(55)
Charge-offs	(184)	-	-	(4)	(188)
Recoveries	1	78	2	3	84
Net charge-offs	(183)	78	2	(1)	(104)
Ending balance	$446	$288	$44	-	$778

(in 000's)	For the Three Months ended June 30, 2012
	Commercial and industrial	Commercial real estate	Consumer real estate	Consumer loans other	Total
Beginning balance	$417	$412	$35	-	$864
Provision for loan losses	79	(47)	(2)	-	30
Charge-offs	-	-		-	-
Recoveries	-	2	10	-	12
Net charge-offs	-	2	10	-	12
Ending balance	$496	$367	$43	-	$906

(in 000’s)	For the Six months ended June 30, 2013
	Commercial and industrial	Commercial real estate	Consumer real estate	Consumer loans other	Total
Beginning balance	$891	$308	$5	-	$1,204
Provision for loan losses	77	(98)	35	1	15
Charge-offs	(524)	-	-	(4)	(528)
Recoveries	2	78	4	3	87
Net charge-offs	(522)	78	4	(1)	(441)
Ending balance	$446	$288	$44	-	$778

(in 000's)	For the Six months ended June 30, 2012
	Commercial and industrial	Commercial real estate	Consumer real estate	Consumer loans other	Total
Beginning balance	$387	$412	$68	-	$867
Provision for loan losses	109	(50)	-	1	60
Charge-offs	-	-	(38)	(9)	(47)
Recoveries	-	5	13	8	26
Net charge-offs	-	5	(21)	(1)	(21)
Ending balance	$496	$367	$43	-	$906

(in 000's)	June 30, 2013
	Commercial and industrial	Commercial real estate	Consumer real estate	Consumer loans other	Total
Period-end amount allocated to:
Loans indivdually evaluated for impairment	$349	-	-	-	349
Loans collectively  evaluated for impairment	97	288	44	-	429
	$446	$288	$44	-	$778
Loans, ending balance:
Loans individually evaluated for impairment	$526	$1,291	-	-	1,817
Loans collectively  evaluated for impairment	2,466	31,585	4,361	1,624	40,036
Total	$2,992	$32,876	$4,361	$1,624	$41,853

(in 000's)	December 31, 2012
	Commercial and industrial	Commercial real estate	Consumer real estate	Consumer loans other	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