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

12 Months Ended

Dec. 31, 2013

Tables/Schedules

Allowance for Credit Losses on Financing Receivables

(in 000's)	For the Year Ended December 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	113	(106)	50	18	75
Charge-offs	(524)	-	(5)	(10)	(539)
Recoveries	3	78	9	9	99
Net charge-offs	(521)	78	4	(1)	(440)
Ending balance	$483	$280	$59	$17	$839

(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)	As of December 31, 2013
	Commercial and industrial	Commercial real estate	Consumer real estate	Consumer and other loans	Total
Period-end amount allocated to:
Loans individually evaluated for impairment	$378	$-	$-	$-	$378
Loans collectively  evaluated for impairment	105	280	59	17	461
	$483	$280	$59	$17	$839
Loans, ending balance:
Loans individually evaluated for impairment	$492	$1,390	$-	$-	$1,882
Loans collectively  evaluated for impairment	3,818	31,572	3,909	1,530	40,829
Total	$4,310	$32,962	$3,909	$1,530	$42,711

(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