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3. Loans, Allowance for Loan Losses (Details) (USD $) In Thousands, unless otherwise specified | 3 Months Ended | 6 Months Ended |
--- | --- | --- | ---
Jun. 30, 2013 | Jun. 30, 2012 | Jun. 30, 2013 | Jun. 30, 2012 | Dec. 31, 2012
Allowance for loan losses |  |  |  |  |
Beginning balance | $ 14,412 | $ 16,612 | $ 14,423 | $ 16,604 |
Charge-offs | (1,332) | (1,780) | (2,513) | (4,376) |
Recoveries | 180 | 205 | 293 | 760 |
Provision | 769 | 1,603 | 1,826 | 3,652 |
Ending balance | 14,029 | 16,640 | 14,029 | 16,640 |
Ending balance: individually evaluated for impairments | 1,583 | 2,465 | 1,583 | 2,465 |
Ending balance: collectively evaluated for impairments | 12,446 | 14,175 | 12,446 | 14,175 |
Ending balance | 14,029 | 16,640 | 14,029 | 16,640 |
Loans |  |  |  |  |
Ending balance | 608,072 | 642,815 | 608,072 | 642,815 | 619,974
Ending balance: individually evaluated for impairment | 34,422 | 48,564 | 34,422 | 48,564 |
Ending balance: collectively evaluated for impairment | 573,650 | 594,251 | 573,650 | 594,251 |
Construction and land development |  |  |  |  |
Allowance for loan losses |  |  |  |  |
Beginning balance | 4,785 | 6,880 | 4,399 | 7,182 |
Charge-offs | (218) | (530) | (715) | (2,381) |
Recoveries | 25 | 100 | 26 | 218 |
Provision | 133 | 1,195 | 1,015 | 2,626 |
Ending balance | 4,725 | 7,645 | 4,725 | 7,645 |
Ending balance: individually evaluated for impairments | 6 | 1,101 | 6 | 1,101 |
Ending balance: collectively evaluated for impairments | 4,719 | 6,544 | 4,719 | 6,544 |
Ending balance | 4,725 | 7,645 | 4,725 | 7,645 |
Loans |  |  |  |  |
Ending balance | 70,112 | 86,498 | 70,112 | 86,498 | 73,176
Ending balance: individually evaluated for impairment | 7,626 | 19,789 | 7,626 | 19,789 |
Ending balance: collectively evaluated for impairment | 62,486 | 66,709 | 62,486 | 66,709 |
Single-family residential |  |  |  |  |
Allowance for loan losses |  |  |  |  |
Beginning balance | 3,182 | 3,101 | 3,231 | 3,253 |
Charge-offs | (272) | (385) | (636) | (490) |
Recoveries | 26 | 67 | 44 | 69 |
Provision | 368 | 119 | 665 | 70 |
Ending balance | 3,304 | 2,902 | 3,304 | 2,902 |
Ending balance: individually evaluated for impairments | 343 | 78 | 343 | 78 |
Ending balance: collectively evaluated for impairments | 2,961 | 2,824 | 2,961 | 2,824 |
Ending balance | 3,304 | 2,902 | 3,304 | 2,902 |
Loans |  |  |  |  |
Ending balance | 192,601 | 202,528 | 192,601 | 202,528 | 195,003
Ending balance: individually evaluated for impairment | 3,480 | 3,132 | 3,480 | 3,132 |
Ending balance: collectively evaluated for impairment | 189,121 | 199,396 | 189,121 | 199,396 |
Single-family residential - Banco de la Gente stated income |  |  |  |  |
Allowance for loan losses |  |  |  |  |
Beginning balance | 1,976 | 2,180 | 1,998 | 2,104 |
Charge-offs | (72) | (198) | (224) | (371) |
Recoveries | 70 | 0 | 70 | 0 |
Provision | (50) | 242 | 80 | 491 |
Ending balance | 1,924 | 2,224 | 1,924 | 2,224 |
Ending balance: individually evaluated for impairments | 1,234 | 1,286 | 1,234 | 1,286 |
Ending balance: collectively evaluated for impairments | 690 | 938 | 690 | 938 |
Ending balance | 1,924 | 2,224 | 1,924 | 2,224 |
Loans |  |  |  |  |
Ending balance | 50,454 | 52,811 | 50,454 | 52,811 | 52,019
Ending balance: individually evaluated for impairment | 19,912 | 20,320 | 19,912 | 20,320 |
Ending balance: collectively evaluated for impairment | 30,542 | 32,491 | 30,542 | 32,491 |
Commercial Real Estate |  |  |  |  |
Allowance for loan losses |  |  |  |  |
Beginning balance | 1,811 | 1,434 | 2,049 | 1,731 |
Charge-offs | (275) | (452) | (275) | (523) |
Recoveries | 2 | 0 | 50 | 374 |
Provision | 320 | 534 | 34 | (66) |
Ending balance | 1,858 | 1,516 | 1,858 | 1,516 |
Ending balance: individually evaluated for impairments | 0 | 0 | 0 | 0 |
Ending balance: collectively evaluated for impairments | 1,858 | 1,516 | 1,858 | 1,516 |
Ending balance | 1,858 | 1,516 | 1,858 | 1,516 |
Loans |  |  |  |  |
Ending balance | 191,368 | 207,245 | 191,368 | 207,245 | 200,633
Ending balance: individually evaluated for impairment | 3,125 | 4,961 | 3,125 | 4,961 |
Ending balance: collectively evaluated for impairment | 188,243 | 202,284 | 188,243 | 202,284 |
Multifamily and Farmland |  |  |  |  |
Allowance for loan losses |  |  |  |  |
Beginning balance | 30 | 13 | 28 | 13 |
Charge-offs | 0 | 0 | 0 | 0 |
Recoveries | 0 | 0 | 0 | 0 |
Provision | 4 | 0 | 6 | 0 |
Ending balance | 34 | 13 | 34 | 13 |
Ending balance: individually evaluated for impairments | 0 | 0 | 0 | 0 |
Ending balance: collectively evaluated for impairments | 34 | 13 | 34 | 13 |
Ending balance | 34 | 13 | 34 | 13 |
Loans |  |  |  |  |
Ending balance | 10,918 | 5,285 | 10,918 | 5,285 | 8,951
Ending balance: individually evaluated for impairment | 0 | 0 | 0 | 0 |
Ending balance: collectively evaluated for impairment | 10,918 | 5,285 | 10,918 | 5,285 |
Commercial loans (not secured by real estate) |  |  |  |  |
Allowance for loan losses |  |  |  |  |
Beginning balance | 1,209 | 1,004 | 1,088 | 1,029 |
Charge-offs | (361) | (104) | (382) | (343) |
Recoveries | 14 | 6 | 25 | 11 |
Provision | (40) | (277) | 91 | (68) |
Ending balance | 822 | 629 | 822 | 629 |
Ending balance: individually evaluated for impairments | 0 | 0 | 0 | 0 |
Ending balance: collectively evaluated for impairments | 822 | 629 | 822 | 629 |
Ending balance | 822 | 629 | 822 | 629 |
Loans |  |  |  |  |
Ending balance | 66,161 | 59,416 | 66,161 | 59,416 | 64,295
Ending balance: individually evaluated for impairment | 0 | 362 | 0 | 362 |
Ending balance: collectively evaluated for impairment | 66,161 | 59,054 | 66,161 | 59,054 |
Farm loans (not secured by real estate) |  |  |  |  |
Allowance for loan losses |  |  |  |  |
Beginning balance | 0 |  | 0 |  |
Charge-offs | 0 |  | 0 |  |
Recoveries | 0 |  | 0 |  |
Provision | 0 |  | 0 |  |
Ending balance | 0 |  | 0 |  |
Ending balance: individually evaluated for impairments | 0 |  | 0 |  |
Ending balance: collectively evaluated for impairments | 0 |  | 0 |  |
Ending balance | 0 |  | 0 |  |
Loans |  |  |  |  |
Ending balance | 24 |  | 24 |  | 11
Ending balance: individually evaluated for impairment | 0 |  | 0 |  |
Ending balance: collectively evaluated for impairment | 24 |  | 24 |  |
Consumer And All Other Loans |  |  |  |  |
Allowance for loan losses |  |  |  |  |
Beginning balance | 232 | 250 | 245 | 255 |
Charge-offs | (134) | (111) | (281) | (268) |
Recoveries | 43 | 32 | 78 | 88 |
Provision | 88 | 20 | 187 | 116 |
Ending balance | 229 | 191 | 229 | 191 |
Ending balance: individually evaluated for impairments | 0 | 0 | 0 | 0 |
Ending balance: collectively evaluated for impairments | 229 | 191 | 229 | 191 |
Ending balance | 229 | 191 | 229 | 191 |
Loans |  |  |  |  |
Ending balance | 26,434 | 29,032 | 26,434 | 29,032 |
Ending balance: individually evaluated for impairment | 279 | 0 | 279 | 0 |
Ending balance: collectively evaluated for impairment | 26,155 | 29,032 | 26,155 | 29,032 |
Unallocated |  |  |  |  |
Allowance for loan losses |  |  |  |  |
Beginning balance | 1,187 | 1,750 | 1,385 | 1,037 |
Charge-offs | 0 | 0 | 0 | 0 |
Recoveries | 0 | 0 | 0 | 0 |
Provision | (54) | (230) | (252) | 483 |
Ending balance | 1,133 | 1,520 | 1,133 | 1,520 |
Ending balance: individually evaluated for impairments | 0 | 0 | 0 | 0 |
Ending balance: collectively evaluated for impairments | 1,133 | 1,520 | 1,133 | 1,520 |
Ending balance | 1,133 | 1,520 | 1,133 | 1,520 |
Loans |  |  |  |  |
Ending balance | 0 | 0 | 0 | 0 |
Ending balance: individually evaluated for impairment | 0 | 0 | 0 | 0 |
Ending balance: collectively evaluated for impairment | $ 0 | $ 0 | $ 0 | $ 0 |

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- Definition The valuation allowance for financing receivables that are expected to be uncollectible that were collectively evaluated for impairment. + References Reference 1: http://www.xbrl.org/2003/role/presentationRef -Publisher FASB -Name Accounting Standards Codification -Topic 310 -SubTopic 10 -Section 50 -Paragraph 11B -Subparagraph (g) -URI http://asc.fasb.org/extlink&oid=28368275&loc=SL6953423-111524 + Details
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- Definition Amount of valuation allowance for financing receivables that are expected to be uncollectible that were individually evaluated for impairment. + References Reference 1: http://www.xbrl.org/2003/role/presentationRef -Publisher FASB -Name Accounting Standards Codification -Topic 310 -SubTopic 10 -Section 50 -Paragraph 11B -Subparagraph (g) -URI http://asc.fasb.org/extlink&oid=28368275&loc=SL6953423-111524 + Details
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- Definition The balance of financing receivables that were collectively evaluated for impairment. + References Reference 1: http://www.xbrl.org/2003/role/presentationRef -Publisher FASB -Name Accounting Standards Codification -Topic 310 -SubTopic 10 -Section 50 -Paragraph 11B -Subparagraph (h) -URI http://asc.fasb.org/extlink&oid=28368275&loc=SL6953423-111524 + Details
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- Definition The balance of financing receivables that were individually evaluated for impairment. + References Reference 1: http://www.xbrl.org/2003/role/presentationRef -Publisher FASB -Name Accounting Standards Codification -Topic 310 -SubTopic 10 -Section 50 -Paragraph 11B -Subparagraph (h) -URI http://asc.fasb.org/extlink&oid=28368275&loc=SL6953423-111524 + Details
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- Definition Amount of allowance to cover probable credit losses on loans and leases. Includes carryover of or adjustments to the allowance for loan losses in connection with business combinations. Excludes allowance for loans and leases covered under loss sharing agreements. + References Reference 1: http://www.xbrl.org/2003/role/presentationRef -Publisher FASB -Name Accounting Standards Codification -Topic 942 -SubTopic 210 -Section S99 -Paragraph 1 -Subparagraph (SX 210.9-03.7(d)) -URI http://asc.fasb.org/extlink&oid=6876686&loc=d3e534808-122878 Reference 2: http://www.xbrl.org/2003/role/presentationRef -Publisher SEC -Name Regulation S-X (SX) -Number 210 -Section 03 -Paragraph 7 -Subparagraph d -Article 9 Reference 3: http://www.xbrl.org/2003/role/presentationRef -Publisher FASB -Name Accounting Standards Codification -Topic 310 -SubTopic 30 -Section 50 -Paragraph 2 -Subparagraph (b)(1)(ii) -URI http://asc.fasb.org/extlink&oid=6379141&loc=d3e15032-111544 Reference 4: http://www.xbrl.org/2003/role/presentationRef -Publisher SEC -Name Staff Accounting Bulletin (SAB) -Number Topic 6 -Section L -Subsection 1 + Details
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- Definition Amount before allowance and after deduction of deferred interest and fees, unamortized costs and premiums and discounts from face amounts, of loans and leases held in portfolio, including but not limited to, commercial and consumer loans. Excludes loans and leases covered under loss sharing agreements. + References Reference 1: http://www.xbrl.org/2003/role/presentationRef -Publisher FASB -Name Accounting Standards Codification -Topic 310 -SubTopic 10 -Section 50 -Paragraph 4 -URI http://asc.fasb.org/extlink&oid=28368275&loc=d3e5074-111524 Reference 2: http://www.xbrl.org/2003/role/presentationRef -Publisher FASB -Name Accounting Standards Codification -Topic 310 -SubTopic 10 -Section 45 -Paragraph 2 -URI http://asc.fasb.org/extlink&oid=28367877&loc=d3e4428-111522 + Details
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- Definition The allowance for other loan and lease losses represents the reserve to cover probable credit losses related to specifically identified other loans and leases, as well as probable credit losses inherent in the remainder of the other loan portfolio as of the balance sheet date. For banks, include currently required allocated transfer risk reserves. Include carryover of or adjustments to the allowance for other loan losses in connection with business combinations determined to be appropriate. + References Reference 1: http://www.xbrl.org/2003/role/presentationRef -Publisher FASB -Name Accounting Standards Codification -Topic 310 -SubTopic 10 -Section 50 -Paragraph 15 -URI http://asc.fasb.org/extlink&oid=28368275&loc=d3e5212-111524 Reference 2: http://www.xbrl.org/2003/role/presentationRef -Publisher FASB -Name Accounting Standards Codification -Topic 942 -SubTopic 210 -Section S99 -Paragraph 1 -Subparagraph (SX 210.9-03.7(d)) -URI http://asc.fasb.org/extlink&oid=6876686&loc=d3e534808-122878 Reference 3: http://www.xbrl.org/2003/role/presentationRef -Publisher SEC -Name Regulation S-X (SX) -Number 210 -Section 03 -Paragraph 7 -Subparagraph d -Article 9 Reference 4: http://www.xbrl.org/2003/role/presentationRef -Publisher SEC -Name Staff Accounting Bulletin (SAB) -Number Topic 6 -Section L -Subsection 1 Reference 5: http://www.xbrl.org/2003/role/presentationRef -Publisher FASB -Name Accounting Standards Codification -Topic 310 -SubTopic 40 -Section 50 -Paragraph 3 -URI http://asc.fasb.org/extlink&oid=25495931&loc=d3e18832-111554 Reference 6: http://www.xbrl.org/2003/role/presentationRef -Publisher FASB -Name Accounting Standards Codification -Topic 310 -SubTopic 10 -Section S99 -Paragraph 4 -URI http://asc.fasb.org/extlink&oid=27010918&loc=d3e74567-122707 Reference 7: http://www.xbrl.org/2003/role/presentationRef -Publisher FASB -Name Accounting Standards Codification -Topic 310 -SubTopic 40 -Section 50 -Paragraph 2 -URI http://asc.fasb.org/extlink&oid=25495931&loc=d3e18805-111554 + Details
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- Definition Amount of expense related loan transactions, lease transactions, credit loss from transactions other than loan and lease transactions, and other loss based on assessment of uncollectability from the counterparty to reduce the account to their net realizable value. + References Reference 1: http://www.xbrl.org/2003/role/presentationRef -Publisher FASB -Name Accounting Standards Codification -Topic 230 -SubTopic 10 -Section 45 -Paragraph 28 -Subparagraph (a) -URI http://asc.fasb.org/extlink&oid=31042434&loc=d3e3602-108585 Reference 2: http://www.xbrl.org/2003/role/presentationRef -Publisher SEC -Name Regulation S-X (SX) -Number 210 -Section 04 -Paragraph 11 -Article 9 Reference 3: http://www.xbrl.org/2003/role/presentationRef -Publisher FASB -Name Accounting Standards Codification -Topic 310 -SubTopic 10 -Section 50 -Paragraph 11B -Subparagraph (c)(2) -URI http://asc.fasb.org/extlink&oid=28368275&loc=SL6953423-111524 Reference 4: http://www.xbrl.org/2003/role/presentationRef -Publisher FASB -Name Accounting Standards Codification -Topic 942 -SubTopic 225 -Section S99 -Paragraph 1 -Subparagraph (SX 210.9-04.11) -URI http://asc.fasb.org/extlink&oid=6879574&loc=d3e536633-122882 + Details
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