XML 19 R28.htm IDEA: XBRL DOCUMENT v2.4.0.8
3. Loans, Allowance for Loan Losses (Details) (USD $)
In Thousands, unless otherwise specified
3 Months Ended 9 Months Ended
Sep. 30, 2014
Sep. 30, 2013
Sep. 30, 2014
Sep. 30, 2013
Dec. 31, 2013
Allowance for loan losses          
Beginning balance $ 12,675 $ 14,029 $ 13,501 $ 14,423  
Charge-offs (749) (970) (1,920) (3,483)  
Recoveries 161 458 789 750  
Provision 256 337 (27) 2,164  
Ending balance 12,343 13,854 12,343 13,854  
Ending balance: individually evaluated for impairments 1,413 1,294 1,413 1,294  
Ending balance: collectively evaluated for impairments 10,930 12,560 10,930 12,560  
Ending balance 12,343 13,854 12,343 13,854  
Loans          
Ending balance 650,550 617,061 650,550 617,061 620,960
Ending balance: individually evaluated for impairment 28,766 33,044 28,766 33,044  
Ending balance: collectively evaluated for impairment 621,784 584,017 621,784 584,017  
Construction and land development
         
Allowance for loan losses          
Beginning balance 3,387 4,725 3,218 4,399  
Charge-offs (513) (17) (772) (732)  
Recoveries 107 348 389 374  
Provision 93 (916) 239 99  
Ending balance 3,074 4,140 3,074 4,140  
Ending balance: individually evaluated for impairments 0 1 0 1  
Ending balance: collectively evaluated for impairments 3,074 4,139 3,074 4,139  
Ending balance 3,074 4,140 3,074 4,140  
Loans          
Ending balance 56,959 67,870 56,959 67,870 63,742
Ending balance: individually evaluated for impairment 3,808 6,790 3,808 6,790  
Ending balance: collectively evaluated for impairment 53,151 61,080 53,151 61,080  
Single-family residential
         
Allowance for loan losses          
Beginning balance 2,848 3,304 3,123 3,231  
Charge-offs (30) (569) (223) (1,204)  
Recoveries 2 31 64 75  
Provision (86) 200 (230) 864  
Ending balance 2,734 2,966 2,734 2,966  
Ending balance: individually evaluated for impairments 67 60 67 60  
Ending balance: collectively evaluated for impairments 2,667 2,906 2,667 2,906  
Ending balance 2,734 2,966 2,734 2,966  
Loans          
Ending balance 202,797 191,338 202,797 191,338 195,975
Ending balance: individually evaluated for impairment 2,312 3,079 2,312 3,079  
Ending balance: collectively evaluated for impairment 200,485 188,259 200,485 188,259  
Single-family residential - Banco de la Gente stated income
         
Allowance for loan losses          
Beginning balance 1,708 1,924 1,863 1,998  
Charge-offs (7) (28) (148) (252)  
Recoveries 0 31 17 101  
Provision (29) (13) (60) 67  
Ending balance 1,672 1,914 1,672 1,914  
Ending balance: individually evaluated for impairments 1,164 1,233 1,164 1,233  
Ending balance: collectively evaluated for impairments 508 681 508 681  
Ending balance 1,672 1,914 1,672 1,914  
Loans          
Ending balance 47,665 50,035 47,665 50,035 49,463
Ending balance: individually evaluated for impairment 19,083 19,803 19,083 19,803  
Ending balance: collectively evaluated for impairment 28,582 30,232 28,582 30,232  
Commercial
         
Allowance for loan losses          
Beginning balance 1,839 1,858 2,219 2,049  
Charge-offs (51) (51) (181) (327)  
Recoveries 4 0 165 50  
Provision (24) 205 (435) 240  
Ending balance 1,768 2,012 1,768 2,012  
Ending balance: individually evaluated for impairments 182 0 182 0  
Ending balance: collectively evaluated for impairments 1,586 2,012 1,586 2,012  
Ending balance 1,768 2,012 1,768 2,012  
Loans          
Ending balance 227,183 205,911 227,183 205,911 209,287
Ending balance: individually evaluated for impairment 3,563 3,100 3,563 3,100  
Ending balance: collectively evaluated for impairment 223,620 202,811 223,620 202,811  
Multifamily and Farmland
         
Allowance for loan losses          
Beginning balance 7 34 37 28  
Charge-offs 0 0 0 0  
Recoveries 0 0 0 0  
Provision 1 2 (29) 8  
Ending balance 8 36 8 36  
Ending balance: individually evaluated for impairments 0 0 0 0  
Ending balance: collectively evaluated for impairments 8 36 8 36  
Ending balance 8 36 8 36  
Loans          
Ending balance 10,887 11,541 10,887 11,541 11,801
Ending balance: individually evaluated for impairment 0 0 0 0  
Ending balance: collectively evaluated for impairment 10,887 11,541 10,887 11,541  
Commercial loans (not secured by real estate)
         
Allowance for loan losses          
Beginning balance 1,081 822 1,069 1,088  
Charge-offs (4) (101) (197) (483)  
Recoveries 15 14 42 39  
Provision 62 49 240 140  
Ending balance 1,154 784 1,154 784  
Ending balance: individually evaluated for impairments 0 0 0 0  
Ending balance: collectively evaluated for impairments 1,154 784 1,154 784  
Ending balance 1,154 784 1,154 784  
Loans          
Ending balance 78,139 64,957 78,139 64,957 68,047
Ending balance: individually evaluated for impairment 0 0 0 0  
Ending balance: collectively evaluated for impairment 78,139 64,957 78,139 64,957  
Farm loans (not secured by real estate)
         
Allowance for loan losses          
Beginning balance 0 0 0 0  
Charge-offs 0 0 0 0  
Recoveries 0 0 0 0  
Provision 0 0 0 0  
Ending balance 0 0 0 0  
Ending balance: individually evaluated for impairments 0 0 0 0  
Ending balance: collectively evaluated for impairments 0 0 0 0  
Ending balance 0 0 0 0  
Loans          
Ending balance 10 22 10 22 19
Ending balance: individually evaluated for impairment 0 0 0 0  
Ending balance: collectively evaluated for impairment 10 22 10 22  
Consumer And All Other Loans
         
Allowance for loan losses          
Beginning balance 253 229 245 245  
Charge-offs (144) (204) (399) (485)  
Recoveries 33 34 112 111  
Provision 98 191 282 379  
Ending balance 240 250 240 250  
Ending balance: individually evaluated for impairments 0 0 0 0  
Ending balance: collectively evaluated for impairments 240 250 240 250  
Ending balance 240 250 240 250  
Loans          
Ending balance 26,910 25,387 26,910 25,387  
Ending balance: individually evaluated for impairment 0 272 0 272  
Ending balance: collectively evaluated for impairment 26,910 25,115 26,910 25,115  
Unallocated
         
Allowance for loan losses          
Beginning balance 1,552 1,133 1,727 1,385  
Charge-offs 0 0 0 0  
Recoveries 0 0 0 0  
Provision 141 619 (34) 367  
Ending balance 1,693 1,752 1,693 1,752  
Ending balance: individually evaluated for impairments 0 0 0 0  
Ending balance: collectively evaluated for impairments 1,693 1,752 1,693 1,752  
Ending balance 1,693 1,752 1,693 1,752  
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