LOANS

Portfolio loans consist of the following:


	March 31,			December 31,
	2014			2013
	(Dollars in thousands)
Real Estate:
One-to four-family residential	$	610,879		$	585,025
Multi-family residential		54,233			54,485
Nonresidential		125,796			131,251
Land		9,829			9,683
Construction:
One-to four-family residential and land development		55,082			53,349
Multi-family and nonresidential		207			—

Total real estate		856,026			833,793
Consumer
Home equity		156,478			159,795
Auto		5,219			5,669
Marine		4,217			4,308
Recreational vehicles		16,523			17,347
Other		1,972			2,112

Total consumer		184,409			189,231
Commercial
Secured		39,883			25,714
Unsecured		130			427

Total commercial		40,013			26,141

Total loans		1,080,448			1,049,165

Less:
Allowance for loan losses		20,554			21,116
Deferred loan costs, net		(1,007	)		(1,143	)

Total		19,547			19,973

Loans, net	$	1,060,901		$	1,029,192

Loan commitments are agreements to lend to a customer as long as there is no violation of any condition established in the contract. Commitments extend over various periods of time with the majority of such commitments disbursed within a sixty-day period. Commitments generally have fixed expiration dates or other termination clauses, may require payment of a fee and may expire unused. Commitments to extend credit at fixed rates expose Home Savings to some degree of interest rate risk. Home Savings evaluates each customer’s creditworthiness on a case-by-case basis. The type or amount of collateral obtained varies and is based on management’s credit evaluation of the potential borrower. Home Savings normally has a number of outstanding commitments to extend credit.

The following tables present the balance in the allowance for loan losses and the recorded investment in loans by portfolio segment and based on impairment method as of March 31, 2014 and December 31, 2013 and activity for the three months ended March 31, 2014 and 2013.


Allowance For Loan Losses
(Dollars in thousands)
	Permanent Real Estate Loans			Construction Loans			Consumer Loans			Commercial Loans			Total
For the three months ended March 31, 2014
Beginning balance (12/31/13)	$	13,794		$	2,281		$	4,302		$	739		$	21,116
Provision		252			(175	)		(174	)		130			33
Chargeoffs		(612	)		(100	)		(407	)		(45	)		(1,164	)
Recoveries		192			21			174			182			569

Ending balance (03/31/14)	$	13,626		$	2,027		$	3,895		$	1,006		$	20,554

March 31, 2014
Period-end amount allocated to:
Loans individually evaluated for impairment	$	2,520		$	677		$	1,140		$	3		$	4,340
Loans collectively evaluated for impairment		10,869			1,515			2,802			1,028			16,214

Ending balance	$	13,389		$	2,192		$	3,942		$	1,031		$	20,554

Period-end balances:
Loans individually evaluated for impairment	$	27,667		$	2,882		$	13,500		$	4,035		$	48,084
Loans collectively evaluated for impairment		773,070			52,407			170,909			35,978			1,032,364

Ending balance	$	800,737		$	55,289		$	184,409		$	40,013		$	1,080,448


Allowance For Loan Losses
(Dollars in thousands)
	Permanent Real Estate Loans			Construction Loans			Consumer Loans			Commercial Loans			Total
For the three months ended March 31, 2013
Beginning balance (12/31/12)	$	13,819		$	1,404		$	4,459		$	1,448		$	21,130
Provision		2,029			(18	)		238			(185	)		2,064
Chargeoffs		(1,206	)		(226	)		(600	)		(128	)		(2,160	)
Recoveries		265			283			157			88			793

Ending balance (03/31/13)	$	14,907		$	1,443		$	4,254		$	1,223		$	21,827

December 31, 2013
Period-end amount allocated to:
Loans individually evaluated for impairment	$	1,786		$	680		$	859		$	—		$	3,325
Loans collectively evaluated for impairment		12,008			1,601			3,443			739			17,791

Ending balance	$	13,794		$	2,281		$	4,302		$	739		$	21,116

Period-end balances:
Loans individually evaluated for impairment	$	27,224		$	3,092		$	13,821		$	4,044		$	48,181
Loans collectively evaluated for impairment		753,220			50,257			175,410			22,097			1,000,984

Ending balance	$	780,444		$	53,349		$	189,231		$	26,141		$	1,049,165

The unpaid principal balance is the total amount of the loan that is due to Home Savings. The recorded investment includes the unpaid principal balance less any chargeoffs or partial chargeoffs applied to specific loans. The unpaid principal balance and the recorded investment both exclude accrued interest receivable and deferred loan costs, both of which are immaterial.

The following table presents loans individually evaluated for impairment by class of loans as of and for the three months ended March 31, 2014:


Impaired Loans
(Dollars in thousands)
	Unpaid Principal Balance		Recorded Investment		Allowance for Loan Losses Allocated		Average Recorded Investment		Interest Income Recognized		Cash Basis Income Recognized
With no specific allowance recorded
Permanent real estate
One-to four-family residential	$	5,807	$	4,431	$	—	$	11,424	$	—	$	39
Multifamily residential		90		90		—		490		—		—
Nonresidential		5,514		3,920		—		4,943		2		11
Land		3,913		487		—		487		—		—

Total		15,324		8,928		—		17,344		2		50
Construction loans
One-to four-family residential		1,350		641		—		1,160		—		—
Multifamily and nonresidential		—		—		—		—		—		—

Total		1,350		641		—		1,160		—		—
Consumer loans
Home Equity		2,259		1,751		—		6,623		26		45
Auto		72		51		—		49		—		3
Marine		157		157		—		166		—		3
Recreational vehicle		188		66		—		452		—		4
Other		1		1		—		1		—		—

Total		2,677		2,026		—		7,291		26		55
Commercial loans
Secured		4,073		3,711		—		4,149		—		1
Unsecured		3,945		—		—		1		—		43

Total		8,018		3,711		—		4,150		—		44

Total	$	27,369	$	15,306	$	—	$	29,945	$	28	$	149
With a specific allowance recorded
Permanent real estate
One-to four-family residential	$	16,487	$	16,231	$	2,224	$	7,951	$	171	$	177
Multifamily residential		1,185		1,085		206		335		11		16
Nonresidential		1,914		1,423		90		1,167		1		4
Land		—		—		—		—		—		—

Total		19,586		18,739		2,520		9,453		183		197
Construction loans
One-to four-family residential		3,829		2,241		677		2,266		—		—
Multifamily and nonresidential		—		—		—		—		—		—

Total		3,829		2,241		677		2,266		—		—
Consumer loans
Home Equity		10,668		10,638		999		5,028		153		160
Auto		9		9		—		2		—		—
Marine		—		—		—		—		—		—
Recreational vehicle		856		827		141		553		5		5
Other		—		—		—		—		—		—

Total		11,533		11,474		1,140		5,583		158		165
Commercial loans
Secured		324		324		3		132		—		—
Unsecured		—		—		—		—		—		—

Total		324		324		3		132		—		—

Total	$	35,272	$	32,778	$	4,340	$	17,434	$	341	$	362

Total	$	62,641	$	48,084	$	4,340	$	47,379	$	369	$	511

The following tables present loans individually evaluated for impairment by class of loans as of and for the three months ended March 31, 2013:


Impaired Loans
(Dollars in thousands)
	Unpaid Principal Balance		Recorded Investment		Allowance for Loan Losses Allocated		Average Recorded Investment		Interest Income Recognized		Cash Basis Income Recognized
With no specific allowance recorded
Permanent real estate
One-to four-family residential	$	19,294	$	17,454	$	—	$	19,759	$	155	$	164
Multifamily residential		775		681		—		1,784		—		1
Nonresidential		6,255		5,657		—		13,545		9		35
Land		3,700		3,700		—		4,278		—		—

Total		30,024		27,492		—		39,366		164		200
Construction loans
One-to four-family residential		12,493		1,526		—		3,855		—		3
Multifamily and nonresidential		—		—		—		—		—		—

Total		12,493		1,526		—		3,855		—		3
Consumer loans
Home Equity		9,463		8,874		—		6,685		108		116
Auto		58		37		—		48		—		1
Marine		188		188		—		226		—		2
Recreational vehicle		1,131		1,000		—		722		5		6
Other		7		7		—		5		—		—

Total		10,847		10,106		—		7,686		113		125
Commercial loans
Secured		2,046		1,141		—		1,307		—		18
Unsecured		3,291		712		—		250		15		11

Total		5,337		1,853		—		1,557		15		29

Total	$	58,701	$	40,977	$	—	$	52,464	$	292	$	357


Impaired Loans
(Dollars in thousands)
	Unpaid Principal Balance		Recorded Investment		Allowance for Loan Losses Allocated		Average Recorded Investment		Interest Income Recognized		Cash Basis Income Recognized
With a specific allowance recorded
Permanent real estate
One-to four-family residential	$	735	$	735	$	260	$	1,269	$	—	$	—
Multifamily residential		1,120		1,064		281		2,062		2		2
Nonresidential		12,610		12,095		1,840		11,933		5		15
Land		3,913		2,127		727		2,441		—		—

Total		18,378		16,021		3,108		17,705		7		17
Construction loans
One-to four-family residential		5,306		3,411		318		6,801		—		—
Multifamily and nonresidential		—		—		—		—		—		—

Total		5,306		3,411		318		6,801		—		—
Consumer loans
Home Equity		—		—		—		—		—		—
Auto		—		—		—		—		—		—
Marine		—		—		—		—		—		—
Recreational vehicle		—		—		—		18		—		—
Other		—		—		—		—		—		—

Total		—		—		—		18		—		—
Commercial loans
Secured		571		204		10		409		—		3
Unsecured		—		—		—		—		—		—

Total		571		204		10		409		—		3

Total		24,255		19,636		3,436		24,933		7		20

Total	$	82,956	$	60,613	$	3,436	$	77,397	$	299	$	377

The following tables present loans individually evaluated for impairment by class of loans as of December 31, 2013:


Impaired Loans
(Dollars in thousands)
	Unpaid Principal Balance		Recorded Investment		Allowance for Loan Losses Allocated
With no specific allowance recorded
Permanent real estate
One-to four-family residential	$	13,321	$	11,309	$	—
Multifamily residential		662		567		—
Nonresidential		6,451		5,311		—
Land		3,913		487		—

Total		24,347		17,674		—
Construction loans
One-to four-family residential		1,433		825		—
Multifamily and nonresidential		—		—		—

Total		1,433		825		—
Consumer loans
Home Equity		6,458		5,808		—
Auto		83		66		—
Marine		160		160		—
Recreational vehicle		429		386		—
Other		2		2		—

Total		7,132		6,422		—
Commercial loans
Secured		4,414		4,044		—
Unsecured		4,067		—		—

Total		8,481		4,044		—

Total	$	41,393	$	28,965	$	—
With a specific allowance recorded
Permanent real estate
One-to four-family residential	$	8,897	$	8,897	$	1,675
Multifamily residential		185		85		25
Nonresidential		908		568		86
Land		—		—		—

Total		9,990		9,550		1,786
Construction loans
One-to four-family residential		3,895		2,267		680
Multifamily and nonresidential		—		—		—

Total		3,895		2,267		680
Consumer loans
Home Equity		6,743		6,743		719
Auto		—		—		—
Marine		—		—		—
Recreational vehicle		656		656		140
Other		—		—		—

Total		7,399		7,399		859
Commercial loans
Secured		—		—		—
Unsecured		—		—		—

Total		—		—		—

Total	$	21,284	$	19,216	$	3,325

Total	$	62,677	$	48,181	$	3,325

The following table presents the recorded investment in nonaccrual and loans past due over 90 days and still on accrual by class of loans as of March 31, 2014:


Nonaccrual Loans and Loans Past Due Over 90 Days and Still Accruing
As of March 31, 2014
(Dollars in thousands)
	Nonaccrual		Loans past due over 90 days and still accruing
Real Estate Loans
Permanent
One-to four-family residential	$	6,133	$	—
Multifamily residential		1,158		—
Nonresidential		5,033		—
Land		532		—

Total		12,856		—

Construction Loans
One-to four-family residential		2,884		—
Multifamily and nonresidential		—		—

Total		2,884		—

Consumer Loans
Home Equity		2,724		—
Auto		80		—
Marine		130		—
Recreational vehicle		147		—
Other		8		—

Total		3,089		—

Commercial Loans
Secured		4,026		—
Unsecured		129		—

Total		4,155		—

Total	$	22,984	$	—

The following table presents the recorded investment in nonaccrual and loans past due over 90 days and still on accrual by class of loans as of December 31, 2013:


Nonaccrual Loans and Loans Past Due Over 90 Days and Still Accruing
As of December 31, 2013
(Dollars in thousands)
	Nonaccrual		Loans past due over 90 days and still accruing
Real Estate Loans
Permanent
One-to four-family residential	$	6,356	$	—
Multifamily residential		641		—
Nonresidential		5,560		—
Land		496		—

Total		13,053		—

Construction Loans
One-to four-family residential		3,084		—
Multifamily and nonresidential		—		—

Total		3,084		—

Consumer Loans
Home Equity		2,726		45
Auto		110		—
Marine		136		—
Recreational vehicle		263		—
Other		13		—

Total		3,248		45

Commercial Loans
Secured		4,028		—
Unsecured		130		—

Total		4,158		—

Total	$	23,543	$	45

The following table presents an age analysis of past-due loans, segregated by class of loans as of March 31, 2014:


Past Due Loans
(Dollars in thousands)
	30-59 Days Past Due		60-89 Days Past Due		Greater than 90 Days Past Due		Total Past Due		Current Loans			Total Loans
Real Estate Loans
Permanent
One-to four-family residential	$	765	$	401	$	4,105	$	5,271	$	605,608		$	610,879
Multifamily residential		460		—		159		619		53,614			54,233
Nonresidential		10		—		4,962		4,972		120,824			125,796
Land		—		—		532		532		9,297			9,829

Total		1,235		401		9,758		11,394		789,343			800,737

Construction Loans
One-to four-family residential		—		—		2,884		2,884		52,198			55,082
Multifamily and nonresidential		—		—		—		—		207			207

Total		—		—		2,884		2,884		52,405			55,289

Consumer Loans
Home Equity		375		143		1,829		2,347		154,131			156,478
Auto		—		—		33		33		5,186			5,219
Marine		61		—		—		61		4,156			4,217
Recreational vehicle		849		170		54		1,073		15,450			16,523
Other		5		9		7		21		1,951			1,972

Total		1,290		322		1,923		3,535		180,874			184,409

Commercial Loans
Secured		—		10		4,015		4,025		35,858			39,883
Unsecured		24		—		129		153		(23	)		130

Total		24		10		4,144		4,178		35,835			40,013

Total	$	2,549	$	733	$	18,709	$	21,991	$	1,058,457		$	1,080,448

The following table presents an age analysis of past-due loans, segregated by class of loans as of December 31, 2013:


Past Due Loans
(Dollars in thousands)
	30-59 Days Past Due		60-89 Days Past Due		Greater than 90 Days Past Due		Total Past Due		Current Loans		Total Loans
Real Estate Loans
Permanent
One-to four-family residential	$	1,482	$	379	$	4,687	$	6,548	$	578,477	$	585,025
Multifamily residential		359		—		190		549		53,936		54,485
Nonresidential		13		—		5,456		5,469		125,782		131,251
Land		—		36		496		532		9,151		9,683

Total		1,854		415		10,829		13,098		767,346		780,444

Construction Loans
One-to four-family residential		—		—		3,084		3,084		50,265		53,349
Multifamily and nonresidential		—		—		—		—		—		—

Total		—		—		3,084		3,084		50,265		53,349

Consumer Loans
Home Equity		541		452		2,111		3,104		156,691		159,795
Auto		5		—		49		54		5,615		5,669
Marine		—		—		—		—		4,308		4,308
Recreational vehicle		117		199		3		319		17,028		17,347
Other		1		7		10		18		2,094		2,112

Total		664		658		2,173		3,495		185,736		189,231

Commercial Loans
Secured		—		11		4,017		4,028		21,686		25,714
Unsecured		—		—		130		130		297		427

Total		—		11		4,147		4,158		21,983		26,141

Total	$	2,518	$	1,084	$	20,233	$	23,835	$	1,025,330	$	1,049,165

The following table presents loans by class modified as troubled debt restructurings that occurred during the three months ended March 31, 2014:


	Number of loans		Pre- Modification Outstanding Recorded Investment		Post- Modification Recorded Investment
	(Dollars in thousands)
Real Estate Loans
Permanent
One-to four-family		9	$	569	$	576
Multifamily residential		—		—		—
Nonresidential		1		120		120
Land		—		—		—

Total		10		689		696

Construction Loans
One-to four-family residential		—		—		—
Multifamily and nonresidential		—		—		—

Total		—		—		—

Consumer Loans
Home Equity		10		552		559
Auto		—		—		—
Marine		—		—		—
Recreational vehicle		—		—		—
Other		—		—		—

Total		10		552		559

Commercial Loans
Secured		—		—		—
Unsecured		—		—		—

Total		—		—		—

Total Restructured Loans		20	$	1,241	$	1,255

The troubled debt restructurings described above increased the allowance for loan losses by $56,000, but did not result in any chargeoffs during the three months ended March 31, 2014.

The following table presents loans by class modified as troubled debt restructurings that occurred during the three months ended March 31, 2013:


	Number of loans		Pre-Modification Outstanding Recorded Investment		Post- Modification Recorded Investment
Real Estate Loans
Permanent
One-to four-family		13	$	743	$	762
Multifamily residential		—		—		—
Nonresidential		—		—		—
Land		—		—		—

Total		13		743		762

Construction Loans
One-to four-family residential		—		—		—
Multifamily and nonresidential		—		—		—

Total		—		—		—

Consumer Loans
Home Equity		26		871		877
Auto		—		—		—
Marine		—		—		—
Recreational vehicle		4		791		804
Other		—		—		—

Total		30		1,662		1,681

Commercial Loans
Secured		—		—		—
Unsecured		—		—		—

Total		—		—		—

Total Restructured Loans		43	$	2,405	$	2,443

The troubled debt restructurings described above increased the allowance for loan losses by $374,000, but did not result in any chargeoffs during the three months ended March 31, 2013.

The following table presents loans by class modified as troubled debt restructurings for which there was a payment default within a twelve month cycle following the modification as of March 31, 2014:


	Number of loans		Recorded Investment
	(Dollars in thousands)
Real Estate Loans
Permanent
One-to four-family		3	$	550
Multifamily residential		1		460
Nonresidential		—		—
Land		2		487

Total		6		1,497

Construction Loans
One-to four-family residential		1		488
Multifamily and nonresidential		—		—

Total		1		488

Consumer Loans
Home Equity		6		230
Auto		—		—
Marine		—		—
Recreational vehicle		—		—
Other		—		—

Total		6		230

Commercial Loans
Secured		—		—
Unsecured		—		—

Total		—		—

Total Restructured Loans		13	$	2,215

The troubled debt restructurings that subsequently defaulted described above resulted in no charge-offs during the three months ended March 31, 2014, and had no effect on the provision for loan losses.

The following table presents loans by class modified as troubled debt restructurings for which there was a payment default within a twelve month cycle following the modification as of December 31, 2013:


	Number of loans		Recorded Investment
			(Dollars in thousands)
Real Estate Loans
Permanent
One-to four-family		4	$	576
Multifamily residential		1		463
Nonresidential		—		—
Land		2		487

Total		7		1,526

Construction Loans
One-to four-family residential		1		623
Multifamily and nonresidential		—		—

Total		1		623

Consumer Loans
Home Equity		6		207
Auto		—		—
Marine		—		—
Recreational vehicle		2		184
Other		—		—

Total		8		391

Commercial Loans
Secured		—		—
Unsecured		—		—

Total		—		—

Total Restructured Loans		16	$	2,540

A troubled debt restructuring is considered to be in payment default once it is 30 days contractually past due under the modified terms.

The troubled debt restructurings described above that subsequently defaulted resulted in no charge-offs during the twelve months ended December 31, 2013, and had no effect on the provision for loan losses.

The terms of certain other loans were modified during the periods ended March 31, 2014 and December 31, 2013, but they did not meet the definition of a troubled debt restructuring. These loans have a total recorded investment as of March 31, 2014 of $15.2 million and at December 31, 2013 of $66.4 million. The modification of these loans involved either a modification of the terms of a loan to borrowers who were not experiencing financial difficulties or a delay in a payment that was considered to be insignificant.

In order to determine whether a borrower is experiencing financial difficulty an evaluation is performed of the probability that the borrower will be in payment default on any of its debt in the foreseeable future without the modification. This evaluation is performed in accordance with the Company’s internal underwriting policy.

Credit Quality Indicators:

The Company categorizes loans into risk categories based on relevant information about the ability of borrowers to service their debt such as: current financial information, historical payment experience, credit documentation, public information and current economic trends among other factors. The Company analyzes loans individually by classifying the loans as to credit risk. This analysis includes homogeneous loans past due 90 cumulative days, and all non-homogeneous loans including commercial loans and commercial real estate loans. Smaller balance homogeneous loans are primarily monitored by payment status.

Asset quality ratings are divided into two groups: Pass (unclassified) and Classified. Within the unclassified group, certain loans that display potential weakness are risk rated as special mention. In addition, there are three classified risk ratings: substandard, doubtful and loss. These specific credit risk categories are defined as follows:

Special Mention. Loans classified as special mention have potential weakness that deserves management’s close attention. If left uncorrected, these potential weaknesses may result in deterioration of the repayment prospects for the loan or of the institution’s credit position at some future date. Loans may be housed in this category for no longer than 12 months during which time information is obtained to determine if the credit should be downgraded to the substandard category.

Substandard. Loans classified as substandard are inadequately protected by the current net worth and paying capacity of the obligor or of the collateral pledged, if any. Loans so classified have a well-defined weakness or weaknesses that jeopardize the liquidation of the debt. They are characterized by the distinct possibility that the institution will sustain some loss if the deficiencies are not corrected.

Doubtful. Loans classified as doubtful have all the weaknesses inherent in those classified as substandard, with the added characteristic that the weaknesses make collection or liquidation in full, on the basis of currently existing facts, conditions and values, highly questionable and improbable.

Loss. Loans classified as loss are considered uncollectible and of such little value, that continuance as assets is not warranted. Although there may be a chance of recovery on these assets, it is not practical or desirable to defer writing off the asset.

The Company monitors loans on a monthly basis to determine if they should be included in one of the categories listed above. All impaired non-homogeneous credits classified as Substandard, Doubtful or Loss are analyzed on an individual basis for a specific reserve requirement. This analysis is performed on each individual credit at least annually or more frequently if warranted.

As of March 31, 2014 and December 31, 2013, and based on the most recent analysis performed, the risk category of loans by class of loans is as follows:


Loans
March 31, 2014
(Dollars in thousands)
	Unclassified				Classified
	Unclassified		Special Mention		Substandard		Doubtful		Loss		Total Classified		Total Loans
Real Estate Loans
Permanent
One-to four-family residential	$	601,575	$	1,465	$	7,839	$	—	$	—	$	7,839	$	610,879
Multifamily residential		47,764		4,266		2,203		—		—		2,203		54,233
Nonresidential		87,295		8,278		30,223		—		—		30,223		125,796
Land		9,220		122		487		—		—		487		9,829

Total		745,854		14,131		40,752		—		—		40,752		800,737

Construction Loans
One-to four-family residential		52,200		—		2,882		—		—		2,882		55,082
Multifamily and nonresidential		207		—		—		—		—		—		207

Total		52,407		—		2,882		—		—		2,882		55,289

Consumer Loans
Home Equity		153,458		—		3,020		—		—		3,020		156,478
Auto		5,129		—		90		—		—		90		5,219
Marine		4,056		4		157		—		—		157		4,217
Recreational vehicle		16,352		—		171		—		—		171		16,523
Other		1,955		—		17		—		—		17		1,972

Total		180,950		4		3,455		—		—		3,455		184,409

Commercial Loans
Secured		34,084		225		5,574		—		—		5,574		39,883
Unsecured		10		—		120		—		—		120		130

Total		34,094		225		5,694		—		—		5,694		40,013

Total	$	1,013,305	$	14,360	$	52,783	$	—	$	—	$	52,783	$	1,080,448


Loans
December 31, 2013
(Dollars in thousands)
	Unclassified				Classified
	Unclassified		Special Mention		Substandard		Doubtful		Loss		Total Classified		Total Loans
Real Estate Loans
Permanent
One-to four-family residential	$	575,903	$	404	$	8,718	$	—	$	—	$	8,718	$	585,025
Multifamily
Residential		48,918		2,962		2,605		—		—		2,605		54,485
Nonresidential		90,115		12,222		28,914		—		—		28,914		131,251
Land		9,069		127		487		—		—		487		9,683

Total		724,005		15,715		40,724		—		—		40,724		780,444

Construction Loans
One-to four-family
Residential		50,257		—		3,092		—		—		3,092		53,349
Multifamily and
Nonresidential		—		—		—		—		—		—		—

Total		50,257		—		3,092		—		—		3,092		53,349

Consumer Loans
Home Equity		156,841		46		2,954		—		—		2,954		159,841
Auto		5,507		5		116		—		—		116		5,628
Marine		4,143		—		160		—		—		160		4,303
Recreational vehicle		17,066		—		281		—		—		281		17,347
Other		2,099		—		13		—		—		13		2,112

Total		185,656		51		3,524		—		—		3,524		189,231

Commercial Loans
Secured		19,714		190		5,810		—		—		5,810		25,714
Unsecured		68		—		359		—		—		359		427

Total		19,782		190		6,169		—		—		6,169		26,141

Total	$	979,700	$	15,956	$	53,509	$	—	$	—	$	53,509	$	1,049,165