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

6 Months Ended

Jun. 30, 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 June 30, 2015
	Commercial and industrial	Commercial real estate	Consumer real estate	Consumer loans Other	Total
Beginning balance	$344	$300	$21	$15	$680
Provision (credit) for loan losses	24	(64)	-	-	(40)
Charge-offs	(48)	-	-	(2)	(50)
Recoveries	-	-	2	4	7
Net (charge-offs) recoveries	(48)	-	2	2	(43)
Ending balance	$320	$236	$23	$17	$596

(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 (credit) 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 Six months ended June 30, 2015
	Commercial and industrial	Commercial real estate	Consumer real estate	Consumer loans  Other	Total
Beginning balance	$403	$300	$20	$12	$735
Provision (credit) for loan losses	(36)	(64)	-		(100)
Charge-offs	(48)	-	-	(14)	(62)
Recoveries	1	-	3	19	23
Net (charge-offs) recoveries	(47)	-	3	5	(39)
Ending balance	$320	$236	$23	$17	$596

(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 (credit) for loan losses	65	15	(10)	-	70
Charge-offs	(253)	-	-	(18)	(271)
Recoveries	2	-	3	14	19
Net (charge-offs)recoveries	(251)	-	3	(4)	(252)
Ending balance	$297	$295	$52	$13	$657

(in 000's)	June 30, 2015
	Commercial and industrial	Commercial real estate	Consumer real estate	Consumer loans other	Total
Period-end amount allocated to:
Loans individually evaluated for impairment	$220	$47	$-	$-	$267
Loans collectively  evaluated for impairment	100	189	23	17	329
	$320	$236	$23	$17	$596
Loans, ending balance:
Loans individually evaluated for impairment	$383	$1,399	$-	$-	$1,782
Loans collectively  evaluated for impairment	3,706	26,863	3,039	1,296	34,904
Total	$4,089	$28,262	$3,039	$1,296	$36,686

	December 31, 2014
	Commercial and industrial	Commercial real estate	Consumer real estate	Consumer loans other	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	$31,556	$3,297	$1,373	$40,861