4. Loans and Allowance For Loan Losses: Schedule of Age Analysis of Allowance for Loan Losses (Tables)

12 Months Ended

Dec. 31, 2014

Tables/Schedules

Schedule of Age Analysis of Allowance for Loan Losses

An analysis of the activity in the allowance for loan losses for the years 2014 and 2013 is as follows:

(in 000's)		For the Year Ended December 31, 2014
	Commercial and industrial	Commercial real estate	Consumer real estate	Consumer and other loans	Total
Beginning balance	$483	$280	$59	$17	$839
Provision for loan losses	169	20	(28)	1	162
Charge-offs	(253)	-	(19)	(30)	(302)
Recoveries	4	-	8	24	36
Net charge-offs	(249)	-	(11)	(6)	(266)
Ending balance	$403	$300	$20	$12	$735

		For the Year Ended December 31, 2014
	Commercial and industrial	Commercial real estate	Consumer real estate	Consumer and other loans	Total
Beginning balance	$483	$280	$59	$17	$839
Provision for loan losses	169	20	(28)	1	162
Charge-offs	(253)	-	(19)	(30)	(302)
Recoveries	4	-	8	24	36
Net charge-offs	(249)	-	(11)	(6)	(266)
Ending balance	$403	$300	$20	$12	$735

(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)		As of December 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	$247	$27	-	-	$274
Loans collectively  evaluated for impairment	156	273	20	12	461
	$403	$300	$20	$12	$735
Loans, ending balance:
Loans individually evaluated for impairment	$382	$1,623	-	-	$2,005
Loans collectively  evaluated for impairment	4,253	29,933	3,297	1,373	$38,856
Total	$4,635	$31,566	$3,297	$1,373	$40,861

(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	$622	$1,260	-	-	$1,882
Loans collectively  evaluated for impairment	3,241	31,702	3,909	1,530	40,382
Total	$3,863	$32,962	$3,909	$1,530	$42,264