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

6 Months Ended

Jun. 30, 2014

Tables/Schedules

Allowance for Credit Losses on Financing Receivables

(in 000's)	For the Three months ended June 30, 2014
	Commercial and industrial	Commercial real estate	Consumer real estate	Consumer loans other	Total
Beginning balance	$296	$297	$20	$13	$626
Provision for loan losses	1	(2)	31	-	30
Charge-offs	-	-	-	(11)	(11)
Recoveries	-	-	1	11	12
Net recoveries	-	-	1	-	1
Ending balance	$297	$295	$52	$13	$657

(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) recoveries	(183)	78	2	(1)	(104)
Ending balance	$446	$288	$44	$-	$778

(in 000's)	For the Six months ended June 30, 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	65	15	(10)	-	70
Charge-offs	(253)	-	-	(18)	(271)
Recoveries	2	-	3	14	19
Net recoveries	(251)	-	3	(4)	(252)
Ending balance	$297	$295	$52	$13	$657

(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) recoveries	(522)	78	4	(1)	(441)
Ending balance	$446	$288	$44	$-	$778

(in 000's)	June 30, 2014
	Commercial and industrial	Commercial real estate	Consumer real estate	Consumer loans other	Total
Period-end amount allocated to:
Loans individually evaluated for impairment	$121	$27	$-	$-	$148
Loans collectively  evaluated for impairment	176	268	52	13	509
	297	295	52	13	$657
Loans, ending balance:
Loans individually evaluated for impairment	$229	$1,737	$-	$-	$1,966
Loans collectively  evaluated for impairment	4,474	31,529	3,726	1,404	41,133
Total	$4,703	$33,266	$3,726	$1,404	$43,099

	December 31, 2013
	Commercial and industrial	Commercial real estate	Consumer real estate	Consumer loans other	Total
Period-end amount allocated to:
Loans indivdually evaluated for impairment	$378	$-	$-	$-	$378
Loans collectively  evaluated for impairment	105	280	59	17	461
	483	$280	$59	$17	$839
Loans, ending balance:
Loans indivdually 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