7. Other Real Estate Owned: Schedule of Components Of Net Expense Of Other Real Estate (Tables)

9 Months Ended

Sep. 30, 2013

Tables/Schedules

Schedule of Components Of Net Expense Of Other Real Estate

The following table details the components of net expense of other real estate owned:

	Three Months Ended	Three Months Ended	Nine Months Ended	Nine Months Ended
(in 000's)	September 30, 2013	September 30, 2012	September 30, 2013	September 30, 2012
Insurance	$3	$5	$13	$22
Professional fees	-	-	-	3
Real estate taxes	6	11	17	47
Utilities	1	3	3	20
Other	7	-	-	3
Transfer-in write-up	-	1	8	(43)
Impairment charges (net)	-	127	144	153
Total	$17	$147	$185	$205