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3. Loans, Allowance for Loan Losses (Details) - USD ($) $ in Thousands | 3 Months Ended | 6 Months Ended
--- | --- | ---
Jun. 30, 2015 | Jun. 30, 2014 | Jun. 30, 2015 | Jun. 30, 2014
Allowance for loan losses |  |  |  |
Beginning balance | $ 10,843 | $ 12,978 | $ 11,082 | $ 13,501
Charge-offs | (332) | (597) | (862) | (1,172)
Recoveries | 81 | 227 | 199 | 628
Provision | (214) | 67 | (41) | (282)
Ending balance | 10,378 | 12,675 | 10,378 | 12,675
Ending balance: individually evaluated for impairments | 1,462 | 1,484 | 1,462 | 1,484
Ending balance: collectively evaluated for impairments | 8,916 | 11,191 | 8,916 | 11,191
Ending balance | 10,378 | 12,675 | 10,378 | 12,675
Loans |  |  |  |
Ending balance | 666,767 | 633,336 | 666,767 | 633,336
Ending balance: individually evaluated for impairment | 25,160 | 30,466 | 25,160 | 30,466
Ending balance: collectively evaluated for impairment | 641,607 | 602,870 | 641,607 | 602,870
Construction and land development |  |  |  |
Allowance for loan losses |  |  |  |
Beginning balance | 2,758 | 3,133 | 2,785 | 3,218
Charge-offs | 0 | 0 | (73) | (260)
Recoveries | 18 | 3 | 23 | 282
Provision | 148 | 251 | 189 | 147
Ending balance | 2,924 | 3,387 | 2,924 | 3,387
Ending balance: individually evaluated for impairments | 0 | 0 | 0 | 0
Ending balance: collectively evaluated for impairments | 2,924 | 3,387 | 2,924 | 3,387
Ending balance | 2,924 | 3,387 | 2,924 | 3,387
Loans |  |  |  |
Ending balance | 60,066 | 59,843 | 60,066 | 59,843
Ending balance: individually evaluated for impairment | 241 | 5,297 | 241 | 5,297
Ending balance: collectively evaluated for impairment | 59,825 | 54,546 | 59,825 | 54,546
Single-family residential |  |  |  |
Allowance for loan losses |  |  |  |
Beginning balance | 2,599 | 3,132 | 2,566 | 3,123
Charge-offs | (109) | (171) | (400) | (194)
Recoveries | 4 | 52 | 10 | 60
Provision | (38) | (165) | 280 | (141)
Ending balance | 2,456 | 2,848 | 2,456 | 2,848
Ending balance: individually evaluated for impairments | 92 | 67 | 92 | 67
Ending balance: collectively evaluated for impairments | 2,364 | 2,781 | 2,364 | 2,781
Ending balance | 2,456 | 2,848 | 2,456 | 2,848
Loans |  |  |  |
Ending balance | 208,653 | 196,192 | 208,653 | 196,192
Ending balance: individually evaluated for impairment | 2,998 | 2,325 | 2,998 | 2,325
Ending balance: collectively evaluated for impairment | 205,655 | 193,867 | 205,655 | 193,867
Single-family residential - Banco de la Gente stated income |  |  |  |
Allowance for loan losses |  |  |  |
Beginning balance | 1,586 | 1,767 | 1,610 | 1,863
Charge-offs | (17) | (108) | (59) | (140)
Recoveries | 0 | 5 | 22 | 17
Provision | (41) | 44 | (45) | (32)
Ending balance | 1,528 | 1,708 | 1,528 | 1,708
Ending balance: individually evaluated for impairments | 1,135 | 1,175 | 1,135 | 1,175
Ending balance: collectively evaluated for impairments | 393 | 533 | 393 | 533
Ending balance | 1,528 | 1,708 | 1,528 | 1,708
Loans |  |  |  |
Ending balance | 45,252 | 48,165 | 45,252 | 48,165
Ending balance: individually evaluated for impairment | 18,346 | 19,287 | 18,346 | 19,287
Ending balance: collectively evaluated for impairment | 26,906 | 28,878 | 26,906 | 28,878
Commercial |  |  |  |
Allowance for loan losses |  |  |  |
Beginning balance | 1,786 | 2,196 | 1,902 | 2,219
Charge-offs | (59) | (20) | (62) | (131)
Recoveries | 5 | 101 | 10 | 161
Provision | 17 | (438) | (101) | (410)
Ending balance | 1,749 | 1,839 | 1,749 | 1,839
Ending balance: individually evaluated for impairments | 235 | 0 | 235 | 0
Ending balance: collectively evaluated for impairments | 1,514 | 1,839 | 1,514 | 1,839
Ending balance | 1,749 | 1,839 | 1,749 | 1,839
Loans |  |  |  |
Ending balance | 231,684 | 214,378 | 231,684 | 214,378
Ending balance: individually evaluated for impairment | 3,575 | 0 | 3,575 | 0
Ending balance: collectively evaluated for impairment | 228,109 | 214,378 | 228,109 | 214,378
Multifamily and Farmland |  |  |  |
Allowance for loan losses |  |  |  |
Beginning balance | 6 | 36 | 7 | 37
Charge-offs | 0 | 0 | 0 | 0
Recoveries | 0 | 0 | 0 | 0
Provision | (4) | (29) | (5) | (30)
Ending balance | 2 | 7 | 2 | 7
Ending balance: individually evaluated for impairments | 0 | 0 | 0 | 0
Ending balance: collectively evaluated for impairments | 2 | 7 | 2 | 7
Ending balance | 2 | 7 | 2 | 7
Loans |  |  |  |
Ending balance | 12,402 | 11,821 | 12,402 | 11,821
Ending balance: individually evaluated for impairment | 0 | 0 | 0 | 0
Ending balance: collectively evaluated for impairment | 12,402 | 11,821 | 12,402 | 11,821
Commercial loans (not secured by real estate) |  |  |  |
Allowance for loan losses |  |  |  |
Beginning balance | 1,181 | 945 | 1,098 | 1,069
Charge-offs | (15) | (181) | (15) | (193)
Recoveries | 17 | 21 | 53 | 26
Provision | (281) | 296 | (234) | 179
Ending balance | 902 | 1,081 | 902 | 1,081
Ending balance: individually evaluated for impairments | 0 | 242 | 0 | 242
Ending balance: collectively evaluated for impairments | 902 | 839 | 902 | 839
Ending balance | 902 | 1,081 | 902 | 1,081
Loans |  |  |  |
Ending balance | 85,124 | 78,056 | 85,124 | 78,056
Ending balance: individually evaluated for impairment | 0 | 3,307 | 0 | 3,307
Ending balance: collectively evaluated for impairment | 85,124 | 74,749 | 85,124 | 74,749
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 | 4 | 93 | 4 | 93
Ending balance: individually evaluated for impairment | 0 | 0 | 0 | 0
Ending balance: collectively evaluated for impairment | 4 | 93 | 4 | 93
Consumer And All Other Loans |  |  |  |
Allowance for loan losses |  |  |  |
Beginning balance | 208 | 230 | 233 | 245
Charge-offs | (132) | (117) | (253) | (254)
Recoveries | 37 | 45 | 81 | 82
Provision | 118 | 95 | 170 | 180
Ending balance | 231 | 253 | 231 | 253
Ending balance: individually evaluated for impairments | 0 | 0 | 0 | 0
Ending balance: collectively evaluated for impairments | 231 | 253 | 231 | 253
Ending balance | 231 | 253 | 231 | 253
Loans |  |  |  |
Ending balance | 23,582 | 24,788 | 23,582 | 24,788
Ending balance: individually evaluated for impairment | 0 | 250 | 0 | 250
Ending balance: collectively evaluated for impairment | 23,582 | 24,538 | 23,582 | 24,538
Unallocated |  |  |  |
Allowance for loan losses |  |  |  |
Beginning balance | 719 | 1,539 | 881 | 1,727
Charge-offs | 0 | 0 | 0 | 0
Recoveries | 0 | 0 | 0 | 0
Provision | (133) | 13 | (295) | (175)
Ending balance | 586 | 1,552 | 586 | 1,552
Ending balance: individually evaluated for impairments | 0 | 0 | 0 | 0
Ending balance: collectively evaluated for impairments | 586 | 1,552 | 586 | 1,552
Ending balance | 586 | 1,552 | 586 | 1,552
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=49124121&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=49124121&loc=SL6953423-111524 + Details
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- Definition Amount of recovery of financing receivables doubtful of collection that were previously charged off. + 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 (c)(4) -URI http://asc.fasb.org/extlink&oid=49124121&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=49124121&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=49124121&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 310 -SubTopic 10 -Section 50 -Paragraph 11B -Subparagraph (g) -URI http://asc.fasb.org/extlink&oid=49124121&loc=SL6953423-111524 Reference 2: http://www.xbrl.org/2003/role/presentationRef -Publisher FASB -Name Accounting Standards Codification -Topic 310 -SubTopic 10 -Section 50 -Paragraph 11B -Subparagraph (c)(1) -URI http://asc.fasb.org/extlink&oid=49124121&loc=SL6953423-111524 Reference 3: 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 4: 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 5: 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 45 -Paragraph 2 -URI http://asc.fasb.org/extlink&oid=28367877&loc=d3e4428-111522 Reference 2: 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=49124121&loc=d3e5074-111524 + 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 S99 -Paragraph 4 -URI http://asc.fasb.org/extlink&oid=27010918&loc=d3e74567-122707 Reference 2: 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 Reference 3: 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 4: 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=49124121&loc=SL6953423-111524 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 SEC -Name Staff Accounting Bulletin (SAB) -Number Topic 6 -Section L -Subsection 1 + Details
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