content_image/277302.jpg content_image/277303.jpg content_image/277304.jpg
<img src='content_image/277302.jpg'>

Management further monitors the performance and credit quality of the loan portfolio by analyzing the length of time a recorded payment is past due, by aggregating loans based on their delinquencies. 

The following tables present the segments of the loan portfolio summarized by aging categories of performing loans and nonaccrual loans as of December 31, 2013 and 2012 ( in thousands): 

<img src='content_image/277303.jpg'>

<img src='content_image/277304.jpg'>

The Bank maintains the allowance for loan losses at a level believed adequate by management to absorb losses inherent in the portfolio. It is established and maintained through a provision for loan losses charged to earnings. Quarterly, management assesses the adequacy of the allowance for loan losses utilizing a defined methodology, which considers specific credit evaluation of impaired loans, past loan loss historical experience, and qualitative factors. 

