6. Loans and Allowance For Loan Losses: Analysis of the activity in the allowance for loan losses (Tables)

3 Months Ended

Mar. 31, 2014

Tables/Schedules

Analysis of the activity in the allowance for loan losses

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

(in 000's)	For the Three months ended March 31, 2014
	Commercial and industrial	Commercial real estate	Consumer real estate	Consumer loans other	Total
Beginning balance	$483	$280	$59	$17	$839
Provision for loan losses	64	17	(40)	(1)	40
Charge-offs	(253)	-	-	(7)	(260)
Recoveries	2	-	1	4	7
Net recoveries	(251)	-	1	(3)	(253)
Ending balance	$296	$297	$20	$13	$626

(in 000's)	For the Three months ended March 31, 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	62	(33)	41	-	70
Charge-offs	(340)	-	-	-	(340)
Recoveries	1	-	2	-	3
Net (charge-offs) recoveries	(339)	-	2	-	(337)
Ending balance	$614	$275	$48	-	$937

(in 000's)	March 31, 2014
	Commercial and industrial	Commercial real estate	Consumer real estate	Consumer and other loans	Total
Period-end amount allocated to:
Loans individually evaluated for impairment	$123	$27	-	-	$150
Loans collectively  evaluated for impairment	173	270	20	13	476
	$296	$297	$20	$13	$626
Loans, ending balance:
Loans individually evaluated for impairment	$234	$1,749	-	-	$1,983
Loans collectively  evaluated for impairment	4,033	31,693	3,833	1,497	41,056
Total	$4,267	$33,442	$3,833	$1,497	$43,039

	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