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3. Loans, Allowance for Loan Losses (Details) - USD ($) $ in Thousands | 3 Months Ended | 9 Months Ended
--- | --- | ---
Sep. 30, 2015 | Sep. 30, 2014 | Sep. 30, 2015 | Sep. 30, 2014
Allowance for loan losses |  |  |  |
Beginning balance | $ 10,378 | $ 12,675 | $ 11,082 | $ 13,501
Charge-offs | (315) | (749) | (1,176) | (1,920)
Recoveries | 122 | 161 | 321 | 789
Provision | 235 | 256 | 193 | (27)
Ending balance | 10,420 | 12,343 | 10,420 | 12,343
Ending balance: individually evaluated for impairments | 1,451 | 1,413 | 1,451 | 1,413
Ending balance: collectively evaluated for impairments | 8,969 | 10,930 | 8,969 | 10,930
Ending balance | 10,420 | 12,343 | 10,420 | 12,343
Loans |  |  |  |
Ending balance | 684,800 | 650,550 | 684,800 | 650,550
Ending balance: individually evaluated for impairment | 24,903 | 28,766 | 24,903 | 28,766
Ending balance: collectively evaluated for impairment | 659,897 | 621,784 | 659,897 | 621,784
Construction and land development |  |  |  |
Allowance for loan losses |  |  |  |
Beginning balance | 2,924 | 3,387 | 2,785 | 3,218
Charge-offs | (110) | (513) | (198) | (772)
Recoveries | 20 | 107 | 43 | 389
Provision | (85) | 93 | 119 | 239
Ending balance | 2,749 | 3,074 | 2,749 | 3,074
Ending balance: individually evaluated for impairments | 0 | 0 | 0 | 0
Ending balance: collectively evaluated for impairments | 2,749 | 3,074 | 2,749 | 3,074
Ending balance | 2,749 | 3,074 | 2,749 | 3,074
Loans |  |  |  |
Ending balance | 61,748 | 56,959 | 61,748 | 56,959
Ending balance: individually evaluated for impairment | 241 | 3,808 | 241 | 3,808
Ending balance: collectively evaluated for impairment | 61,507 | 53,151 | 61,507 | 53,151
Single-family residential |  |  |  |
Allowance for loan losses |  |  |  |
Beginning balance | 2,456 | 2,848 | 2,566 | 3,123
Charge-offs | (48) | (30) | (447) | (223)
Recoveries | 21 | 2 | 30 | 64
Provision | 396 | (86) | 676 | (230)
Ending balance | 2,825 | 2,734 | 2,825 | 2,734
Ending balance: individually evaluated for impairments | 96 | 67 | 96 | 67
Ending balance: collectively evaluated for impairments | 2,729 | 2,667 | 2,729 | 2,667
Ending balance | 2,825 | 2,734 | 2,825 | 2,734
Loans |  |  |  |
Ending balance | 218,365 | 202,797 | 218,365 | 202,797
Ending balance: individually evaluated for impairment | 2,944 | 2,312 | 2,944 | 2,312
Ending balance: collectively evaluated for impairment | 215,421 | 200,485 | 215,421 | 200,485
Single-family residential - Banco de la Gente stated income |  |  |  |
Allowance for loan losses |  |  |  |
Beginning balance | 1,528 | 1,708 | 1,610 | 1,863
Charge-offs | 0 | (7) | (59) | (148)
Recoveries | 0 | 0 | 22 | 17
Provision | (68) | (29) | (113) | (60)
Ending balance | 1,460 | 1,672 | 1,460 | 1,672
Ending balance: individually evaluated for impairments | 1,128 | 1,164 | 1,128 | 1,164
Ending balance: collectively evaluated for impairments | 332 | 508 | 332 | 508
Ending balance | 1,460 | 1,672 | 1,460 | 1,672
Loans |  |  |  |
Ending balance | 44,433 | 47,665 | 44,433 | 47,665
Ending balance: individually evaluated for impairment | 18,193 | 19,083 | 18,193 | 19,083
Ending balance: collectively evaluated for impairment | 26,240 | 28,582 | 26,240 | 28,582
Commercial |  |  |  |
Allowance for loan losses |  |  |  |
Beginning balance | 1,749 | 1,839 | 1,902 | 2,219
Charge-offs | 0 | (51) | (62) | (181)
Recoveries | 5 | 4 | 15 | 165
Provision | 176 | (24) | 75 | (435)
Ending balance | 1,930 | 1,768 | 1,930 | 1,768
Ending balance: individually evaluated for impairments | 227 | 182 | 227 | 182
Ending balance: collectively evaluated for impairments | 1,703 | 1,586 | 1,703 | 1,586
Ending balance | 1,930 | 1,768 | 1,930 | 1,768
Loans |  |  |  |
Ending balance | 234,003 | 227,183 | 234,003 | 227,183
Ending balance: individually evaluated for impairment | 3,525 | 3,563 | 3,525 | 3,563
Ending balance: collectively evaluated for impairment | 230,478 | 223,620 | 230,478 | 223,620
Multifamily and Farmland |  |  |  |
Allowance for loan losses |  |  |  |
Beginning balance | 2 | 7 | 7 | 37
Charge-offs | 0 | 0 | 0 | 0
Recoveries | 0 | 0 | 0 | 0
Provision | 3 | 1 | (2) | (29)
Ending balance | 5 | 8 | 5 | 8
Ending balance: individually evaluated for impairments | 0 | 0 | 0 | 0
Ending balance: collectively evaluated for impairments | 5 | 8 | 5 | 8
Ending balance | 5 | 8 | 5 | 8
Loans |  |  |  |
Ending balance | 14,003 | 10,887 | 14,003 | 10,887
Ending balance: individually evaluated for impairment | 0 | 0 | 0 | 0
Ending balance: collectively evaluated for impairment | 14,003 | 10,887 | 14,003 | 10,887
Commercial loans (not secured by real estate) |  |  |  |
Allowance for loan losses |  |  |  |
Beginning balance | 902 | 1,081 | 1,098 | 1,069
Charge-offs | (1) | (4) | (16) | (197)
Recoveries | 43 | 15 | 96 | 42
Provision | (63) | 62 | (297) | 240
Ending balance | 881 | 1,154 | 881 | 1,154
Ending balance: individually evaluated for impairments | 0 | 0 | 0 | 0
Ending balance: collectively evaluated for impairments | 881 | 1,154 | 881 | 1,154
Ending balance | 881 | 1,154 | 881 | 1,154
Loans |  |  |  |
Ending balance | 88,931 | 78,139 | 88,931 | 78,139
Ending balance: individually evaluated for impairment | 0 | 0 | 0 | 0
Ending balance: collectively evaluated for impairment | 88,931 | 78,139 | 88,931 | 78,139
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 | 3 | 10 | 3 | 10
Ending balance: individually evaluated for impairment | 0 | 0 | 0 | 0
Ending balance: collectively evaluated for impairment | 3 | 10 | 3 | 10
Consumer And All Other Loans |  |  |  |
Allowance for loan losses |  |  |  |
Beginning balance | 231 | 253 | 233 | 245
Charge-offs | (156) | (144) | (394) | (399)
Recoveries | 33 | 33 | 115 | 112
Provision | 104 | 98 | 258 | 282
Ending balance | 212 | 240 | 212 | 240
Ending balance: individually evaluated for impairments | 0 | 0 | 0 | 0
Ending balance: collectively evaluated for impairments | 212 | 240 | 212 | 240
Ending balance | 212 | 240 | 212 | 240
Loans |  |  |  |
Ending balance | 23,314 | 26,910 | 23,314 | 26,910
Ending balance: individually evaluated for impairment | 0 | 0 | 0 | 0
Ending balance: collectively evaluated for impairment | 23,314 | 26,910 | 23,314 | 26,910
Unallocated |  |  |  |
Allowance for loan losses |  |  |  |
Beginning balance | 586 | 1,552 | 881 | 1,727
Charge-offs | 0 | 0 | 0 | 0
Recoveries | 0 | 0 | 0 | 0
Provision | (228) | 141 | (523) | (34)
Ending balance | 358 | 1,693 | 358 | 1,693
Ending balance: individually evaluated for impairments | 0 | 0 | 0 | 0
Ending balance: collectively evaluated for impairments | 358 | 1,693 | 358 | 1,693
Ending balance | 358 | 1,693 | 358 | 1,693
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 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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