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

9 Months Ended

Sep. 30, 2014

Tables/Schedules

Allowance for Credit Losses on Financing Receivables

(in 000's)	For the Three months ended September 30, 2014
	Commercial and industrial	Commercial real estate	Consumer real estate	Consumer loans other	Total
Beginning balance	$297	$295	$52	$13	$657
Provision for loan losses	74	5	(18)	1	62
Charge-offs	-	-	(19)	(7)	(26)
Recoveries	1	-	3	5	9
Net charge-offs	1	-	(16)	(2)	(17)
Ending balance	$372	$300	$18	$12	$702

(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	-	-	1	5
Net recoveries	1	-	-	-	4
Ending balance	$407	$353	$52	-	$812

(in 000's)	For the Nine months ended September 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	139	20	(28)	1	132
Charge-offs	(253)	-	(19)	(25)	(297)
Recoveries	3	-	6	19	28
Net charge-offs	(250)	-	(13)	(6)	(269)
Ending balance	$372	$300	$18	$12	$702

(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 for loan losses	37	(33)	40	1	45
Charge-offs	(524)	-	-	(5)	(529)
Recoveries	3	78	7	4	92
Net charge-offs	(521)	78	7	(1)	(437)
Ending balance	$407	$353	$52	-	$812

(in 000's)	September 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	$195	$27	-	-	$222
Loans collectively  evaluated for impairment	177	273	18	12	480
	$372	$300	$18	$12	$702
Loans, ending balance:
Loans individually evaluated for impairment	$301	$1,724	-	-	$2,025
Loans collectively  evaluated for impairment	4,741	31,445	3,387	1,377	40,950
Total	$5,042	$33,169	$3,387	$1,377	$42,975

	December 31, 2013
	Commercial and industrial	Commercial real estate	Consumer real estate	Consumer loans other	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	$574	$1,259	-	-	$1,882
Loans collectively  evaluated for impairment	3,239	31,703	3,909	1,530	40,382
Total	$3,863	$32,962	$3,909	$1,530	$42,264