LOANS

Portfolio loans consist of the following:

	March 31,			December 31,
	2015			2014
	(Dollars in thousands)
Commercial loans
Multifamily	$	63,597		$	60,546
Nonresidential		132,305			121,595
Land		9,437			9,484
Construction		11,030			16,064
Secured		53,598			45,088
Unsecured		438			134
Total commercial loans		270,405			252,911
Residential mortgage loans
One-to four-family		696,387			694,105
Construction		37,293			37,113
Total residential mortgage loans		733,680			731,218
Consumer loans
Home equity		155,002			154,776
Auto		7,154			5,902
Marine		3,301			3,917
Recreational vehicle		13,447			14,054
Other		1,831			2,105
Total consumer loans		180,735			180,754
Total loans		1,184,820			1,164,883
Less:
Allowance for loan losses		17,221			17,687
Deferred loan fees, net		(835	)		(897	)
Total		16,386			16,790
Loans, net	$	1,168,434		$	1,148,093

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, but can be extended up to 36 months. 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 are based on impairment method as of March 31, 2015 and December 31, 2014 and activity for the three months ended March 31, 2015 and 2014.

Allowance For Loan Losses

	Commercial Loans			Residential Loans			Consumer Loans			Total
	(Dollars in thousands)
For the three months ended March 31, 2015
Beginning balance	$	5,690		$	8,517		$	3,480		$	17,687
Provision		158			(871	)		529			(184	)
Charge-offs		(15	)		(166	)		(531	)		(712	)
Recoveries		112			186			132			430
Ending balance	$	5,945		$	7,666		$	3,610		$	17,221
March 31, 2015
Period-end amount allocated to:
Loans individually evaluated for impairment	$	682		$	1,707		$	804		$	3,193
Loans collectively evaluated for impairment		5,263			5,959			2,806			14,028
Ending balance	$	5,945		$	7,666		$	3,610		$	17,221
Period-end balances:
Loans individually evaluated for impairment	$	14,509		$	19,244		$	12,050		$	45,803
Loans collectively evaluated for impairment		255,896			714,436			168,685			1,139,017
Ending balance	$	270,405		$	733,680		$	180,735		$	1,184,820

Allowance For Loan Losses

	Commercial Loans			Residential Loans			Consumer Loans			Total
	(Dollars in thousands)
For the three months ended March 31, 2014
Beginning balance	$	6,984		$	9,830		$	4,302		$	21,116
Provision		490			(330	)		(127	)		33
Charge-offs		(442	)		(315	)		(407	)		(1,164	)
Recoveries		243			152			174			569
Ending balance	$	7,275		$	9,337		$	3,942		$	20,554
December 31, 2014
Period-end amount allocated to:
Loans individually evaluated for impairment	$	717		$	1,751		$	842		$	3,310
Loans collectively evaluated for impairment		4,973			6,766			2,638			14,377
Ending balance	$	5,690		$	8,517		$	3,480		$	17,687
Period-end balances:
Loans individually evaluated for impairment	$	14,845		$	19,209		$	11,843		$	45,897
Loans collectively evaluated for impairment		238,066			712,009			168,911			1,118,986
Ending balance	$	252,911		$	731,218		$	180,754		$	1,164,883

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 allowance for loan losses is a valuation allowance for probable incurred credit losses. Loan losses are charged against the allowance when management believes the uncollectibility of a loan balance is confirmed. Subsequent recoveries, if any, are credited to the allowance. Management estimates the allowance balance required based on an analysis using past loan loss experience, the nature and volume of the portfolio, information about specific borrower situations, estimated collateral values, general economic conditions in the market area and other factors. Allocations of the allowance may be made for specific loans, but the entire allowance is available for any loan that, in management’s judgment, should be charged-off.

Other loans not reviewed specifically by management are evaluated as a homogenous group of loans (generally single-family residential mortgage loans and all consumer credits except marine loans) using a loss factor applied to the outstanding loan balance to determine the level of reserve required. This loss factor consists of two components, a quantitative and a qualitative component. The quantitative component is based on a historical analysis of all charged-off loans, net of recovery. In determining the qualitative factors, consideration is given to such attributes as lending policies, economic conditions, nature and volume of the portfolio, management, loan quality trend, loan review, collateral value, concentrations and other external factors. At December 31, 2014, the Company evaluated two years of net charge-off history and applied the information to the current period. This component was combined with the qualitative component to arrive at the loss factor, which is applied to the outstanding principal balance by type of credit and internal risk grade applied to specific risk pools, plus specific loss allocations and adjustments for current events and conditions. As of March 31, 2015, the Company evaluated 10 quarters of net charge-off history and applied this information to the current period. This component is combined with the qualitative component to arrive at the loss factor, which is applied to the average outstanding balance of homogenous loans and is no longer being applied by internal risk grade. This change in methodology did not have a material effect on the calculation of the allowance for loan losses.

The following table presents loans individually evaluated for impairment by class of loans as of and for three months ended March 31, 2015:

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
Commercial loans
Multifamily	$	197	$	85	$	—	$	86	$	—	$	—
Nonresidential		4,258		2,450		—		3,880		1		39
Land		3,958		532		—		532		—		—
Construction		1,126		188		—		439		—		—
Secured		3,898		3,700		—		3,704		—		—
Unsecured		1,489		—		—		—		—		19
Total commercial loans		14,926		6,955		—		8,641		1		58
Residential mortgage loans
One-to four-family		6,134		4,649		—		5,341		10		29
Construction		—		—		—		—		—		—
Total residential mortgage loans		6,134		4,649		—		5,341		10		29
Consumer loans
Home equity		2,294		1,679		—		1,739		6		17
Auto		40		32		—		61		—		1
Marine		519		293				189		2		5
Recreational vehicle		97		69		—		181		1		1
Other		—		—		—		3		—		—
Total consumer loans		2,950		2,073		—		2,173		9		24
Total	$	24,010	$	13,677	$	—	$	16,155	$	20	$	111
With a specific allowance recorded
Commercial loans
Multifamily	$	—	$	—	$	—	$	21	$	—	$	—
Nonresidential		6,550		6,367		586		3,644		37		39
Land		—		—		—		—		—		—
Construction		2,815		863		93		1,338		—		—
Secured		324		324		3		324		—		—
Unsecured		—		—		—		—		—		—
Total commercial loans		9,689		7,554		682		5,327		37		39
Residential mortgage loans
One-to four-family		14,595		14,595		1,707		14,630		138		153
Construction		—		—		—		—		—		—
Total residential mortgage loans		14,595		14,595		1,707		14,630		138		153
Consumer loans
Home equity		9,256		9,256		687		9,662		114		122
Auto		5		5		—		7		—		—
Marine		—		—		—		—		—		—
Recreational vehicle		716		716		117		737		6		6
Other		—		—		—		—		—		—
Total consumer loans		9,977		9,977		804		10,406		120		128
Total		34,261		32,126		3,193		30,363		295		320
Total impaired loans	$	58,271	$	45,803	$	3,193	$	46,518	$	315	$	431

The following tables present loans individually evaluated for impairment by class of loans as of and for 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
Commercial loans
Multifamily	$	90	$	90	$	—	$	490	$	—	$	—
Nonresidential		5,514		3,920		—		4,943		2		11
Land		3,913		487		—		487		—		—
Construction		—		—		—		—		—		—
Secured		4,073		3,711		—		4,149		—		1
Unsecured		3,945		—		—		1		—		43
Total commercial loans		17,535		8,208		—		10,070		2		55
Residential mortgage loans
One-to four-family		5,807		4,431		—		11,424		—		39
Construction		1,350		641		—		1,160		—		—
Total residential mortgage loans		7,157		5,072		—		12,584		-		39
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 consumer loans		2,677		2,026		—		7,291		26		55
Total	$	27,369	$	15,306	$	—	$	29,945	$	28	$	149
With a specific allowance recorded
Commercial loans
Multifamily	$	1,185	$	1,085	$	206	$	335	$	11	$	16
Nonresidential		1,914		1,423		90		1,167		1		4
Land		—		—		—		—		—		—
Construction		—		—		—		—		—		—
Secured		324		324		3		132		—		—
Unsecured		—		—		—		—		—		—
Total commercial loans		3,423		2,832		299		1,634		12		20
Residential mortgage loans
One-to four-family		16,487		16,231		2,224		7,951		171		177
Construction		3,829		2,241		677		2,266		—		—
Total residential mortgage loans		20,316		18,472		2,901		10,217		171		177
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 consumer loans		11,533		11,474		1,140		5,583		158		165
Total		35,272		32,778		4,340		17,434		341		362
Total impaired loans	$	62,641	$	48,084	$	4,340	$	47,379	$	369	$	511

The following table present loans individually evaluated for impairment by class of loans as of December 31, 2014:

Impaired Loans

(Dollars in thousands)

	Unpaid principal balance		Recorded Investment		Allowance for Loan Losses Allocated
With no specific allowance recorded
Commercial loans
Multifamily	$	185	$	85	$	—
Nonresidential		7,201		5,582		—
Land		3,958		532		—
Construction		1,126		188		—
Secured		3,903		3,702		—
Unsecured		3,258		—		—
Total commercial loans		19,631		10,089		—
Residential mortgage loans
One-to four-family		6,015		4,518		—
Construction		—		—		—
Total residential mortgage loans		6,015		4,518		—
Consumer loans
Home equity		1,901		1,262		—
Auto		47		37		—
Marine		151		151		—
Recreational vehicle		124		81		—
Other		—		—		—
Total consumer loans		2,223		1,531		—
Total	$	27,869	$	16,138	$	—
With a specific allowance recorded
Commercial loans
Multifamily	$	33	$	8	$	6
Nonresidential		3,944		3,561		615
Land		—		—		—
Construction		2,815		863		93
Secured		324		324		3
Unsecured		—		—		—
Total commercial loans		7,116		4,756		717
Residential mortgage loans
One-to four-family		14,691		14,691		1,751
Construction		—		—		—
Total residential mortgage loans		14,691		14,691		1,751
Consumer loans
Home equity		9,577		9,577		722
Auto		7		6		1
Marine		—		—		—
Recreational vehicle		729		729		119
Other		—		—		—
Total consumer loans		10,313		10,312		842
Total		32,120		29,759		3,310
Total impaired loans	$	59,989	$	45,897	$	3,310

Home Savings reclassifies a collateralized mortgage loan and consumer loans secured by real estate to real estate owned and other repossessed assets once it has either obtained legal title to the real estate collateral or the borrower voluntarily conveys all interest in the real property to the Bank to satisfy the loan through a deed in lieu of foreclosure or similar legal agreement. The table below presents loans that are in the process of foreclosure at March 31, 2015 and December 31, 2014 but legal title, deed in lieu of foreclosure or similar legal agreement to the property has not yet been obtained:

	March 31, 2015				December 31, 2014
	Unpaid Principal Balance		Recorded Investment		Unpaid Principal Balance		Recorded Investment
	(Dollars in thousands)				(Dollars in thousands)
Loans in Process of Foreclosure	$	3,276	$	2,982	$	2,421	$	2,150

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, 2015:

Nonaccrual Loans and Loans Past Due Over 90 Days and Still Accruing

As of March 31, 2015

	Nonaccrual		Loans past due over 90 days and still accruing
	(Dollars in thousands)
Commercial loans
Multifamily	$	85	$	—
Nonresidential		5,700		—
Land		531		—
Construction		1,051		—
Secured		4,016		—
Unsecured		—		—
Total commercial loans		11,383		—
Residential mortgage loans
One-to four-family		6,652		—
Construction		—		—
Total residential mortgage loans		6,652		—
Consumer Loans
Home equity		1,653		—
Auto		47		—
Marine		259		—
Recreational vehicle		101		—
Other		1		—
Total consumer loans		2,061		—
Total nonaccrual loans and loans past due over 90 days and still accruing	$	20,096	$	—

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, 2014:

Nonaccrual Loans and Loans Past Due Over 90 Days and Still Accruing

As of December 31, 2014

	Nonaccrual		Loans past due over 90 days and still accruing
	(Dollars in thousands)
Commercial loans
Multifamily	$	93	$	—
Nonresidential		5,781		—
Land		531		—
Construction		1,051		—
Secured		4,016		—
Unsecured		—		—
Total commercial loans		11,472		—
Residential mortgage loans
One-to four-family		6,816		—
Construction		—		—
Total residential mortgage loans		6,816		—
Consumer Loans
Home equity		1,792		—
Auto		66		—
Marine		119		—
Recreational vehicle		184		—
Other		2		—
Total consumer loans		2,163		—
Total nonaccrual loans and loans past due over 90 days and still accruing	$	20,451	$	—

The following table presents an age analysis of past-due loans, segregated by class of loans as of March 31, 2015:

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
Commercial loans
Multifamily	$	—	$	—	$	85	$	85	$	63,512	$	63,597
Nonresidential		48		—		3,872		3,920		128,385		132,305
Land		—		—		531		531		8,906		9,437
Construction		—		—		1,051		1,051		9,979		11,030
Secured		—		—		4,016		4,016		49,582		53,598
Unsecured		—		—		—		—		438		438
Total commercial loans		48		—		9,555		9,603		260,802		270,405
Residential mortgage loans
One-to four-family		1,700		1,111		4,261		7,072		689,315		696,387
Construction		—		—		—		—		37,293		37,293
Total residential mortgage loans		1,700		1,111		4,261		7,072		726,608		733,680
Consumer Loans:
Home equity		360		178		1,332		1,870		153,132		155,002
Automobile		—		—		19		19		7,135		7,154
Marine		—		164		144		308		2,993		3,301
Recreational vehicle		11		453		46		510		12,937		13,447
Other		1		3		—		4		1,827		1,831
Total consumer loans		372		798		1,541		2,711		178,024		180,735
Total loans	$	2,120	$	1,909	$	15,357	$	19,386	$	1,165,434	$	1,184,820

The following table presents an age analysis of past-due loans, segregated by class of loans as of December 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
Commercial loans
Multifamily	$	—	$	—	$	93	$	93	$	60,453	$	60,546
Nonresidential		—		—		3,891		3,891		117,704		121,595
Land		—		-		531		531		8,953		9,484
Construction		—		—		1,051		1,051		15,013		16,064
Secured		—		—		4,016		4,016		41,072		45,088
Unsecured		—		—		—		—		134		134
Total commercial loans		—		—		9,582		9,582		243,329		252,911
Residential mortgage loans
One-to four-family		2,279		605		4,856		7,740		686,365		694,105
Construction		—		—		—		—		37,113		37,113
Total residential mortgage loans		2,279		605		4,856		7,740		723,478		731,218
Consumer Loans:
Home equity		588		183		1,531		2,302		152,474		154,776
Automobile		21		—		30		51		5,851		5,902
Marine		—		686		—		686		3,231		3,917
Recreational vehicle		452		109		18		579		13,475		14,054
Other		3		4		1		8		2,097		2,105
Total consumer loans		1,064		982		1,580		3,626		177,128		180,754
Total loans	$	3,343	$	1,587	$	16,018	$	20,948	$	1,143,935	$	1,164,883

The following table presents loans by class modified as troubled debt restructurings that occurred during the three months ended March 31, 2015:

	Number of Loans		Pre-Modification Outstanding Recorded Investment		Post-Modification Recorded Investment
			(In thousands)
Commercial loans
Multifamily		—	$	—	$	—
Nonresidential		—		—		—
Land		—		—		—
Construction		—		—		—
Secured		—		—		—
Unsecured		—		—		—
Total commercial loans		—		—		—
Residential mortgage loans
One-to four-family		5		441		454
Construction		—		—		—
Total residential mortgage loans		5		441		454
Consumer loans
Home equity		2		354		354
Auto		—		—		—
Marine		—		—		—
Recreational vehicle		—		—		—
Other		—		—		—
Total consumer loans		2		354		354
Total restructured loans		7	$	795	$	808

The troubled debt restructurings described above increased the allowance for loan losses by $58,000 and resulted in no charge-offs during the three months ended March 31, 2015.

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)
Commercial loans
Multifamily		—	$	—	$	—
Nonresidential		1		120		120
Land		—		—		—
Construction		—		—		—
Secured		—		—		—
Unsecured		—		—		—
Total commercial loans		1		120		120
Residential mortgage loans
One-to four-family		9		569		576
Construction		—		—		—
Total residential mortgage loans		9		569		576
Consumer loans
Home equity		10		552		559
Auto		—		—		—
Marine		—		—		—
Recreational vehicle		—		—		—
Other		—		—		—
Total consumer loans		10		552		559
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 for which there was a payment default within a twelve month cycle following the modification as of March 31, 2015:

	Number of loans		Recorded Investment
			(Dollars in thousands)
Commercial loans
Multifamily		—	$	—
Nonresidential		—		—
Land		—		—
Construction		—		—
Secured		—		—
Unsecured		—		—
Total commercial loans		—		—
Residential mortgage loans
One-to four-family		2		217
Construction		—		—
Total residential mortgage loans		2		217
Consumer loans
Home equity		1		15
Auto		—		—
Marine		—		—
Recreational vehicle		—		—
Other		—		—
Total consumer loans		1		15
Total restructured loans		3	$	232

The troubled debt restructurings that subsequently defaulted described above resulted in no charge-offs during the three months ended March 31, 2015, 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 March 31, 2014:

	Number of loans		Recorded Investment
			(Dollars in thousands)
Commercial loans
Multifamily		1	$	460
Nonresidential		—		—
Land		2		487
Construction		1		488
Secured		—		—
Unsecured		—		—
Total commercial loans		4		1,435
Residential mortgage loans
One-to four-family		3		550
Construction		—		—
Total residential mortgage loans		3		550
Consumer loans
Home equity		6		230
Auto		—		—
Marine		—		—
Recreational vehicle		—		—
Other		—		—
Total consumer loans		6		230
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.

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

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.

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, 2015 and December 31, 2014, and based on the most recent analysis performed, the risk category of loans by class of loans is as follows:

Loans

March 31, 2015

(Dollars in thousands)

	Unclassified				Classified
	Unclassified		Special Mention		Substandard		Doubtful		Loss		Total Classified		Total Loans
Commercial Loans
Multifamily	$	58,884	$	1,852	$	2,861	$	—	$	—	$	2,861	$	63,597
Nonresidential		103,515		12,087		16,703		—		—		16,703		132,305
Land		8,905		—		532		—		—		532		9,437
Construction		9,980		—		1,050		—		—		1,050		11,030
Secured		48,037		—		5,561		—		—		5,561		53,598
Unsecured		329		—		109		—		—		109		438
Total commercial loans		229,650		13,939		26,816		—		—		26,816		270,405
Residential mortgage loans
One-to four-family		687,783		150		8,454		—		—		8,454		696,387
Construction		37,293		—		—		—		—		—		37,293
Total residential mortgage loans		725,076		150		8,454		—		—		8,454		733,680
Consumer Loans
Home equity		153,047		—		1,955		—		—		1,955		155,002
Auto		7,105		—		49		—		—		49		7,154
Marine		3,000		8		293		—		—		293		3,301
Recreational vehicle		13,321		—		126		—		—		126		13,447
Other		1,826		—		5		—		—		5		1,831
Total consumer loans		178,299		8		2,428		—		—		2,428		180,735
Total loans	$	1,133,025	$	14,097	$	37,698	$	—	$	—	$	37,698	$	1,184,820

Loans

December 31, 2014

(Dollars in thousands)

	Unclassified				Classified
	Unclassified		Special Mention		Substandard		Doubtful		Loss		Total Classified		Total Loans
Commercial Loans
Multifamily	$	53,485	$	4,134	$	2,927	$	—	$	—	$	2,927	$	60,546
Nonresidential		92,074		12,290		17,231		—		—		17,231		121,595
Land		8,952		—		532		—		—		532		9,484
Construction		15,013		—		1,051		—		—		1,051		16,064
Secured		39,480		900		4,708		—		—		4,708		45,088
Unsecured		22		—		112		—		—		112		134
Total commercial loans		209,026		17,324		26,561		—		—		26,561		252,911
Residential mortgage loans
One-to four-family		684,779		939		8,387		—		—		8,387		694,105
Construction		37,113		—		—		—		—		—		37,113
Total residential mortgage loans		721,892		939		8,387		—		—		8,387		731,218
Consumer Loans
Home equity		152,599		—		2,177		—		—		2,177		154,776
Auto		5,829		10		63		—		—		63		5,902
Marine		3,766		—		151		—		—		151		3,917
Recreational vehicle		13,846		—		208		—		—		208		14,054
Other		2,099		—		6		—		—		6		2,105
Total consumer loans		178,139		10		2,605		—		—		2,605		180,754
Total loans	$	1,109,057	$	18,273	$	37,553	$	—	$	—	$	37,553	$	1,164,883