XML 19 R54.htm IDEA: XBRL DOCUMENT v2.4.0.8
3. Loans, Allowance for Loan Losses (Details) (USD $)
In Thousands, unless otherwise specified
 12 Months Ended
Dec. 31, 2013
Dec. 31, 2012
Dec. 31, 2011
Allowance for loan losses      
Beginning balance $ 14,423 $ 16,604 $ 15,493
Charge-offs (4,372) (8,331) (12,260)
Recoveries 866 1,226 739
Provision 2,584 4,924 12,632
Ending balance 13,501 14,423 16,604
Ending balance: individually evaluated for impairments 1,478 1,362 2,539
Ending balance: collectively evaluated for impairments 12,023 13,061 14,065
Ending balance 13,501 14,423 16,604
Loans      
Ending balance 620,960 619,974 670,497
Ending balance: individually evaluated for impairment 33,666 40,785 44,786
Ending balance: collectively evaluated for impairment 587,294 579,189 625,711
Construction and land development
      
Allowance for loan losses      
Beginning balance 4,399 7,182 5,774
Charge-offs (777) (4,728) (7,164)
Recoveries 377 528 241
Provision (781) 1,417 8,331
Ending balance 3,218 4,399 7,182
Ending balance: individually evaluated for impairments 0 24 1,250
Ending balance: collectively evaluated for impairments 3,218 4,375 5,932
Ending balance 3,218 4,399 7,182
Loans      
Ending balance 63,742 73,176 93,812
Ending balance: individually evaluated for impairment 6,293 11,961 20,280
Ending balance: collectively evaluated for impairment 57,449 61,215 73,532
Single-family residential
      
Allowance for loan losses      
Beginning balance 3,231 3,253 3,992
Charge-offs (1,724) (886) (2,233)
Recoveries 111 72 184
Provision 1,505 792 1,310
Ending balance 3,123 3,231 3,253
Ending balance: individually evaluated for impairments 39 84 46
Ending balance: collectively evaluated for impairments 3,084 3,147 3,207
Ending balance 3,123 3,231 3,253
Loans      
Ending balance 195,975 195,003 212,993
Ending balance: individually evaluated for impairment 3,127 3,885 2,352
Ending balance: collectively evaluated for impairment 192,848 191,118 210,641
Single-family residential - Banco de la Gente stated income
      
Allowance for loan losses      
Beginning balance 1,998 2,104 2,105
Charge-offs (272) (668) (692)
Recoveries 141 0 17
Provision (4) 562 674
Ending balance 1,863 1,998 2,104
Ending balance: individually evaluated for impairments 1,268 1,254 1,243
Ending balance: collectively evaluated for impairments 595 744 861
Ending balance 1,863 1,998 2,104
Loans      
Ending balance 49,463 52,019 54,058
Ending balance: individually evaluated for impairment 19,958 20,024 18,309
Ending balance: collectively evaluated for impairment 29,505 31,995 35,749
Commercial Real Estate
      
Allowance for loan losses      
Beginning balance 2,049 1,731 1,409
Charge-offs (445) (937) (1,271)
Recoveries 50 374 24
Provision 565 881 1,569
Ending balance 2,219 2,049 1,731
Ending balance: individually evaluated for impairments 171 0 0
Ending balance: collectively evaluated for impairments 2,048 2,049 1,731
Ending balance 2,219 2,049 1,731
Loans      
Ending balance 209,287 200,633 214,415
Ending balance: individually evaluated for impairment 3,767 4,569 3,845
Ending balance: collectively evaluated for impairment 205,520 196,064 210,570
Multifamily and Farmland
      
Allowance for loan losses      
Beginning balance 28 13 17
Charge-offs 0 0 0
Recoveries 0 0 0
Provision 9 15 (4)
Ending balance 37 28 13
Ending balance: individually evaluated for impairments 0 0 0
Ending balance: collectively evaluated for impairments 37 28 13
Ending balance 37 28 13
Loans      
Ending balance 11,801 8,951 4,793
Ending balance: individually evaluated for impairment 0 0 0
Ending balance: collectively evaluated for impairment 11,801 8,951 4,793
Commercial loans (not secured by real estate)
      
Allowance for loan losses      
Beginning balance 1,088 1,029 1,174
Charge-offs (502) (555) (314)
Recoveries 44 104 121
Provision 439 510 48
Ending balance 1,069 1,088 1,029
Ending balance: individually evaluated for impairments 0 0 0
Ending balance: collectively evaluated for impairments 1,069 1,088 1,029
Ending balance 1,069 1,088 1,029
Loans      
Ending balance 68,047 64,295 60,646
Ending balance: individually evaluated for impairment 256 346 0
Ending balance: collectively evaluated for impairment 67,791 63,949 60,646
Farm loans (not secured by real estate)
      
Allowance for loan losses      
Beginning balance 0 0 0
Charge-offs 0 0 0
Recoveries 0 0 0
Provision 0 0 0
Ending balance 0 0 0
Ending balance: individually evaluated for impairments 0 0 0
Ending balance: collectively evaluated for impairments 0 0 0
Ending balance 0 0 0
Loans      
Ending balance 19 11 0
Ending balance: individually evaluated for impairment 0 0 0
Ending balance: collectively evaluated for impairment 19 11 0
Consumer And All Other Loans
      
Allowance for loan losses      
Beginning balance 245 255 430
Charge-offs (652) (557) (586)
Recoveries 143 148 152
Provision 509 399 259
Ending balance 245 245 255
Ending balance: individually evaluated for impairments 0 0 0
Ending balance: collectively evaluated for impairments 245 245 255
Ending balance 245 245 255
Loans      
Ending balance 22,626 25,886 29,780
Ending balance: individually evaluated for impairment 265 0 0
Ending balance: collectively evaluated for impairment 22,361 25,886 29,780
Unallocated
      
Allowance for loan losses      
Beginning balance 1,385 1,037 592
Charge-offs 0 0 0
Recoveries 0 0 0
Provision 342 348 445
Ending balance 1,727 1,385 1,037
Ending balance: individually evaluated for impairments 0 0 0
Ending balance: collectively evaluated for impairments 1,727 1,385 1,037
Ending balance 1,727 1,385 1,037
Loans      
Ending balance 0 0 0
Ending balance: individually evaluated for impairment 0 0 0
Ending balance: collectively evaluated for impairment $ 0 $ 0 $ 0