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

9 Months Ended

Sep. 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 September 30, 2013
	Commercial and industrial	Commercial real estate	Consumer real estate	Consumer loans other	Total
Beginning balance	$446	$288	$44	-	$778
Provision (credit) for loan losses	(40)	65	5	-	30
Charge-offs	-	-	-	(1)	(1)
Recoveries	1	-	3	1	5
Net recoveries	1	-	3	-	4
Ending balance	$407	$353	$52	-	$812

(in 000's)	For the Three months ended September 30, 2012
	Commercial and industrial	Commercial real estate	Consumer real estate	Consumer loans other	Total
Beginning balance	$496	$367	$43	-	$906
Provision (credit) for loan losses	63	(6)	1	3	61
Charge-offs	(56)	-	(43)	(7)	(106)
Recoveries	-	3	1	4	8
Net recoveries	(56)	3	(42)	(3)	(98)
Ending balance	$503	$364	$2	-	$869

(in 000’s)	For the Nine months ended September 30, 2013
	Commercial and industrial	Commercial real estate	Consumer real estate	Consumer loans other	Total
Beginning balance	$891	$308	$5	-	$1,204
Provision (credit) for loan losses	37	(33)	40	1	45
Charge-offs	(524)	-	-	(5)	(529)
Recoveries	3	78	7	4	92
Net recoveries	(521)	78	7	(1)	(437)
Ending balance	$407	$353	$52	-	$812

(in 000's)	For the Nine months ended September 30, 2012
	Commercial and industrial	Commercial real estate	Consumer real estate	Consumer loans other	Total
Beginning balance	$387	$412	$68	-	$867
Provision (credit) for loan losses	172	(56)	-	5	121
Charge-offs	(56)	-	(80)	(16)	(152)
Recoveries	-	8	14	11	33
Net recoveries	(56)	8	(66)	(5)	(119)
Ending balance	$503	$364	$2	-	$869

(in 000's)	September 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	$347	-	-	-	$347
Loans collectively  evaluated for impairment	60	353	52	-	465
	$407	$353	$52	-	$812
Loans, ending balance:
Loans individually evaluated for impairment	$500	$1,435	-	-	$1,935
Loans collectively  evaluated for impairment	2,577	32,237	3,978	1,591	40,383
Total	$3,077	$33,672	$3,978	$1,591	$42,318

(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