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6. Loans and Allowance For Loan Losses: Schedule of Age Analysis of Allowance for Loan Losses (Tables)
 3 Months Ended
Mar. 31, 2015
Tables/Schedules  
Schedule of Age Analysis of 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, 2015

 

Commercial and industrial

Commercial real estate

Consumer real estate

Consumer loans

Other

Total

Beginning balance

$403

$300

$20

$12

$735

Credit for loan losses

(60)

-

-

-

(60)

 

 

 

 

 

 

Charge-offs

-

-

-

(12)

(12)

Recoveries

1

-

1

15

17

Net recoveries

1

-

1

3

5

 

 

 

 

 

 

Ending balance

$344

$300

$21

$15

$680

 

(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 (credit) for loan losses

64

17

(40)

(1)

40

 

 

 

 

 

 

Charge-offs

(253)

-

-

(7)

(260)

Recoveries

2

-

1

4

7

Net (charge-offs)recoveries

(251)

-

1

(3)

(253)

 

 

 

 

 

 

Ending balance

$296

$297

$20

$13

$626

 

 (in 000's)

March 31, 2015

 

Commercial and industrial

Commercial real estate

Consumer real estate

Consumer loans other

Total

 

 

 

 

 

 

Period-end amount allocated to:

 

 

 

 

 

 

 

 

 

 

 

 Loans indivdually evaluated for impairment

$283

$30

$-

$-

$313

Loans collectively  evaluated for impairment

61

270

21

15

367

 

$344

$300

$21

$15

 $680

 

 

 

 

 

 

Loans, ending balance:

 

 

 

 

 

Loans individually evaluated for impairment

$470

$1,437

$-

$-

$1,907

Loans collectively  evaluated for impairment

4,214

28,599

3,156

1,313

37,282

Total

$4,684

$30,036

$3,156

$1,313

$39,189

 

 

December 31, 2014

 

Commercial and industrial

Commercial real estate

Consumer real estate

Consumer loans other

Total

 

 

 

 

 

 

Period-end amount allocated to:

 

 

 

 

 

 

 

 

 

 

 

Loans indivdually 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 indivdually evaluated for impairment

$382

$1,623

$-

$-

$2,005

Loans collectively  evaluated for impairment

4,253

29,933

3,297

1,373

38,856

Total {verbose}

 $4,635

$31,556

$3,297

$1,373

$40,861