LOANS

Portfolio loans consist of the following:

	March 31,			December 31,
	2016			2015
	(Dollars in thousands)
Commercial loans
Multifamily	$	80,581		$	80,170
Nonresidential		184,279			175,456
Land		8,938			9,301
Construction		49,858			38,812
Secured		79,074			63,182
Unsecured		4,182			2,831
Total commercial loans		406,912			369,752
Residential mortgage loans
One-to four-family		741,401			733,685
Construction		38,994			40,898
Total residential mortgage loans		780,395			774,583
Consumer loans
Home equity		158,933			161,338
Auto		13,752			11,348
Marine		2,603			2,699
Recreational vehicle		9,677			10,656
Other		2,358			2,217
Total consumer loans		187,323			188,258
Total loans		1,374,630			1,332,593
Less:
Allowance for loan losses		16,903			17,712
Deferred loan costs, net		(1,419	)		(1,311	)
Total		15,484			16,401
Loans, net	$	1,359,146		$	1,316,192

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, 2016 and December 31, 2015 and activity for the three months ended March 31, 2016 and 2015.

Allowance For Loan Losses

	Commercial Loans			Residential Loans			Consumer Loans			Total
	(Dollars in thousands)
For the three months ended March 31, 2016
Beginning balance	$	8,077		$	6,630		$	3,005		$	17,712
Provision (recovery)		2,724			(594	)		25			2,155
Charge-offs		(2,346	)		(362	)		(479	)		(3,187	)
Recoveries		66			62			95			223
Ending balance	$	8,521		$	5,736		$	2,646		$	16,903
March 31, 2016
Period-end amount allocated to:
Loans individually evaluated for impairment	$	1,029		$	1,407		$	586		$	3,022
Loans collectively evaluated for impairment		7,492			4,329			2,060			13,881
Ending balance	$	8,521		$	5,736		$	2,646		$	16,903
Period-end balances:
Loans individually evaluated for impairment	$	14,180		$	18,791		$	9,640		$	42,611
Loans collectively evaluated for impairment		392,732			761,604			177,683			1,332,019
Ending balance	$	406,912		$	780,395		$	187,323		$	1,374,630

Allowance For Loan Losses

	Commercial Loans			Residential Loans			Consumer Loans			Total
For the three months ended March 31, 2015
Beginning balance	$	5,690		$	8,517		$	3,480		$	17,687
Provision (recovery)		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
December 31, 2015
Period-end amount allocated to:
Loans individually evaluated for impairment	$	568		$	1,541		$	707		$	2,816
Loans collectively evaluated for impairment		7,509			5,089			2,298			14,896
Ending balance	$	8,077		$	6,630		$	3,005		$	17,712
Period-end balances:
Loans individually evaluated for impairment	$	9,698		$	19,348		$	10,613		$	39,659
Loans collectively evaluated for impairment		360,054			755,235			177,645			1,292,934
Ending balance	$	369,752		$	774,583		$	188,258		$	1,332,593

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 recoveries. 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, economic cycles and other external factors. As of March 31, 2016, the Company evaluated 15 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 outstanding balance of homogenous loans.

The following table presents loans individually evaluated for impairment by class of loans as of and for three months ended March 31, 2016:

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	$	97	$	—	$	—	$	—	$	—	$	—
Nonresidential		1,042		212		—		259		1		1
Land		3,922		384		—		384		—		—
Construction		3,593		—		—		—		—		—
Secured		3,860		3,700		—		3,700		—		—
Unsecured		1,124		—		—		—		—		—
Total commercial loans		13,638		4,296		—		4,343		1		1
Residential mortgage loans
One-to four-family		7,875		6,081		—		5,974		20		14
Construction		—		—		—		—		—		—
Total residential mortgage loans		7,875		6,081		—		5,974		20		14
Consumer loans
Home equity		1,951		1,332		—		1,525		3		2
Auto		15		9		—		12		—		—
Marine		546		303		—		287		—		—
Recreational vehicle		534		289		—		184		1		1
Other		3		3		—		3		—		—
Total consumer loans		3,049		1,936		—		2,011		4		3
Total	$	24,562	$	12,313	$	—	$	12,328	$	25	$	18
With a specific allowance recorded
Commercial loans
Multifamily	$	—	$	—	$	—	$	—	$	—	$	—
Nonresidential		11,348		8,924		936		6,954		109		107
Land		—		—		—		—		—		—
Construction		—		—		—		—		—		—
Secured		1,054		960		93		642		—		—
Unsecured		—		—		—		—		—		—
Total commercial loans		12,402		9,884		1,029		7,596		109		107
Residential mortgage loans
One-to four-family		12,710		12,710		1,407		13,096		189		136
Construction		—		—		—		—		—		—
Total residential mortgage loans		12,710		12,710		1,407		13,096		189		136
Consumer loans
Home equity		6,857		6,857		497		7,047		110		90
Auto		—		—		—		—		—		—
Marine		159		159		3		161		2		2
Recreational vehicle		688		688		86		905		7		7
Other		—		—		—		4		—		—
Total consumer loans		7,704		7,704		586		8,117		119		99
Total		32,816		30,298		3,022		28,809		417		342
Total impaired loans	$	57,378	$	42,611	$	3,022	$	41,137	$	442	$	360

The following tables present 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		1
Land		3,958		532		—		532		—		—
Construction		1,126		188		—		439		—		—
Secured		3,898		3,700		—		3,704		—		—
Unsecured		1,489		—		—		—		—		—
Total commercial loans		14,926		6,955		—		8,641		1		1
Residential mortgage loans
One-to four-family		6,134		4,649		—		5,341		18		10
Construction		—		—		—		—		—		—
Total residential mortgage loans		6,134		4,649		—		5,341		18		10
Consumer loans
Home equity		2,294		1,679		—		1,739		9		6
Auto		40		32		—		61		—		—
Marine		519		293		—		189		2		2
Recreational vehicle		97		69		—		181		1		1
Other		—		—		—		3		—		—
Total consumer loans		2,950		2,073		—		2,173		12		9
Total	$	24,010	$	13,677	$	—	$	16,155	$	31	$	20
With a specific allowance recorded
Commercial loans
Multifamily	$	—	$	—	$	—	$	21	$	—	$	—
Nonresidential		6,550		6,367		586		3,644		37		37
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		37
Residential mortgage loans
One-to four-family		14,595		14,595		1,707		14,630		228		138
Construction		—		—		—		—		—		—
Total residential mortgage loans		14,595		14,595		1,707		14,630		228		138
Consumer loans
Home equity		9,256		9,256		687		9,662		169		114
Auto		5		5		—		7		—		—
Marine		—		—		—		—		—		—
Recreational vehicle		716		716		117		737		13		6
Other		—		—		—		—		—		—
Total consumer loans		9,977		9,977		804		10,406		182		120
Total		34,261		32,126		3,193		30,363		447		295
Total impaired loans	$	58,271	$	45,803	$	3,193	$	46,518	$	478	$	315

The following table present loans individually evaluated for impairment by class of loans as of December 31, 2015:

Impaired Loans

(Dollars in thousands)

	Unpaid Principal Balance		Recorded Investment		Allowance for Loan Losses Allocated
With no specific allowance recorded
Commercial loans
Multifamily	$	165	$	—	$	—
Nonresidential		1,215		306		—
Land		3,922		384		—
Construction		3,593		—		—
Secured		3,884		3,700		—
Unsecured		1,132		—		—
Total commercial loans		13,911		4,390		—
Residential mortgage loans
One-to four-family		7,607		5,866		—
Construction		—		—		—
Total residential mortgage loans		7,607		5,866		—
Consumer loans
Home equity		2,245		1,718		—
Auto		20		14		—
Marine		496		271		—
Recreational vehicle		121		78		—
Other		3		3		—
Total consumer loans		2,885		2,084		—
Total	$	24,403	$	12,340	$	—
With a specific allowance recorded
Commercial loans
Multifamily	$	—	$	—	$	—
Nonresidential		5,164		4,984		565
Land		—		—		—
Construction		—		—		—
Secured		324		324		3
Unsecured		—		—		—
Total commercial loans		5,488		5,308		568
Residential mortgage loans
One-to four-family		13,482		13,482		1,541
Construction		—		—		—
Total residential mortgage loans		13,482		13,482		1,541
Consumer loans
Home equity		7,236		7,236		522
Auto		—		—		—
Marine		163		163		3
Recreational vehicle		1,122		1,122		181
Other		8		8		1
Total consumer loans		8,529		8,529		707
Total		27,499		27,319		2,816
Total impaired loans	$	51,902	$	39,659	$	2,816

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.

Within secured and nonresidential impaired loans, there are two related credits with a total principal balance outstanding of $7.0 million. The source of repayment for the loan resides in funds held in escrow by a court that has administered foreclosure and receivership proceedings surrounding the loan. The loan has been subject to protracted litigation and a reserve of $546,000 was placed on one of the loans during 2015.

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, 2016 and December 31, 2015, but legal title, deed in lieu of foreclosure or similar legal agreement to the property has not yet been obtained:

	March 31, 2016				December 31, 2015
	Unpaid Principal Balance		Recorded Investment		Unpaid Principal Balance		Recorded Investment
	(Dollars in thousands)				(Dollars in thousands)
Mortgage loans in process of foreclosure	$	2,690	$	2,360	$	1,294	$	1,162
Consumer loans in process of foreclosure		1,036		799		845		643

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, 2016:

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

As of March 31, 2016

	Nonaccrual		Loans past due over 90 days and still accruing
	(Dollars in thousands)
Commercial loans
Multifamily	$	—	$	—
Nonresidential		7,557		—
Land		384		—
Construction		—		—
Secured		4,652		—
Unsecured		—		—
Total commercial loans		12,593		—
Residential mortgage loans
One-to four-family		5,312		—
Construction		—		—
Total residential mortgage loans		5,312		—
Consumer Loans
Home equity		1,635		—
Auto		28		—
Marine		249		—
Recreational vehicle		285		—
Other		3		—
Total consumer loans		2,200		—
Total nonaccrual loans and loans past due over 90 days and still accruing	$	20,105	$	—

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, 2015:

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

As of December 31, 2015

	Nonaccrual		Loans past due over 90 days and still accruing
	(Dollars in thousands)
Commercial loans
Multifamily	$	—	$	—
Nonresidential		3,599		—
Land		384		—
Construction		—		—
Secured		4,016		—
Unsecured		—		—
Total commercial loans		7,999		—
Residential mortgage loans
One-to four-family		6,181		—
Construction		—		—
Total residential mortgage loans		6,181		—
Consumer Loans
Home equity		1,804		—
Auto		23		—
Marine		218		—
Recreational vehicle		511		—
Other		11		—
Total consumer loans		2,567		—
Total nonaccrual loans and loans past due over 90 days and still accruing	$	16,747	$	—

The following table presents an age analysis of past-due loans, segregated by class of loans as of March 31, 2016:

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	$	—	$	—	$	—	$	—	$	80,581	$	80,581
Nonresidential		29		9		3,504		3,542		180,737		184,279
Land		—		—		384		384		8,554		8,938
Construction		—		—		—		—		49,858		49,858
Secured		—		—		4,652		4,652		74,422		79,074
Unsecured		—		—		—		—		4,182		4,182
Total commercial loans		29		9		8,540		8,578		398,334		406,912
Residential mortgage loans
One-to four-family		2,346		1,449		5,069		8,864		732,537		741,401
Construction		—		—		—		—		38,994		38,994
Total residential mortgage loans		2,346		1,449		5,069		8,864		771,531		780,395
Consumer Loans:
Home equity		511		380		1,631		2,522		156,411		158,933
Automobile		3		—		26		29		13,723		13,752
Marine		163		—		109		272		2,331		2,603
Recreational vehicle		115		5		285		405		9,272		9,677
Other		3		4		3		10		2,348		2,358
Total consumer loans		795		389		2,054		3,238		184,085		187,323
Total loans	$	3,170	$	1,847	$	15,663	$	20,680	$	1,353,950	$	1,374,630

The following table presents an age analysis of past-due loans, segregated by class of loans as of December 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	$	—	$	—	$	—	$	—	$	80,170	$	80,170
Nonresidential		—		—		3,558		3,558		171,898		175,456
Land		—		—		384		384		8,917		9,301
Construction		—		—		—		—		38,812		38,812
Secured		488		—		4,016		4,504		58,678		63,182
Unsecured		—		—		—		—		2,831		2,831
Total commercial loans		488		—		7,958		8,446		361,306		369,752
Residential mortgage loans
One-to four-family		3,843		635		5,901		10,379		723,306		733,685
Construction		—		—		—		—		40,898		40,898
Total residential mortgage loans		3,843		635		5,901		10,379		764,204		774,583
Consumer Loans:
Home equity		961		268		1,788		3,017		158,321		161,338
Automobile		5		—		10		15		11,333		11,348
Marine		—		51		117		168		2,531		2,699
Recreational vehicle		71		—		494		565		10,091		10,656
Other		15		1		11		27		2,190		2,217
Total consumer loans		1,052		320		2,420		3,792		184,466		188,258
Total loans	$	5,383	$	955	$	16,279	$	22,617	$	1,309,976	$	1,332,593

As of March 31, 2016 and December 31, 2015, the Company has a recorded investment in troubled debt restructurings of $25.5 million and $26.3 million, respectively. The Company has allocated $2.0 million and $2.3 million of specific allowance for those loans at March 31, 2016 and December 31, 2015, respectively. The Company has committed to lend additional amounts totaling up to $23,000 and $42,000 at March 31, 2016 and December 31, 2015, respectively.

The following table presents loans by class modified as troubled debt restructurings that occurred during the three months ended March 31, 2016:

	Number of Loans		Pre-Modification Outstanding Recorded Investment		Post-Modification Recorded Investment
			(In thousands)
Commercial loans
Multifamily		—	$	—	$	—
Nonresidential		1		88		88
Land		—		—		—
Construction		—		—		—
Secured		—		—		—
Unsecured		—		—		—
Total commercial loans		1		88		88
Residential mortgage loans
One-to four-family		2		219		237
Construction		—		—		—
Total residential mortgage loans		2		219		237
Consumer loans
Home equity		1		20		20
Auto		—		—		—
Marine		—		—		—
Recreational vehicle		—		—		—
Other		—		—		—
Total consumer loans		1		20		20
Total restructured loans		4	$	327	$	345

The troubled debt restructurings described above increased the allowance for loan losses by $5,000 and resulted in $30,000 in charge-offs during the three months ended March 31, 2016.

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
			(Dollars 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 chargeoffs during the three months ended March 31, 2015.

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 during the period ended March 31, 2016:

	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		25
Construction		—		—
Total residential mortgage loans		2		25
Consumer loans
Home equity		—		—
Auto		—		—
Marine		—		—
Recreational vehicle		—		—
Other		—		—
Total consumer loans		—		—
Total restructured loans		2	$	25

The troubled debt restructurings that subsequently defaulted described above resulted in $3,000 in charge-offs during the three months ended March 31, 2016, and had no effect on the provision for loan losses.

	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.

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, 2016 and December 31, 2015, and based on the most recent analysis performed, the risk category of loans by class of loans is as follows:

Loans

March 31, 2016

(Dollars in thousands)

	Unclassified				Classified
	Unclassified		Special Mention		Substandard		Doubtful		Loss		Total Classified		Total Loans
Commercial Loans
Multifamily	$	76,001	$	3,685	$	895	$	—	$	—	$	895	$	80,581
Nonresidential		164,085		2,416		17,778		—		—		17,778		184,279
Land		8,554		—		384		—		—		384		8,938
Construction		49,858		—		—		—		—		—		49,858
Secured		68,611		22		10,441		—		—		10,441		79,074
Unsecured		4,081		—		101		—		—		101		4,182
Total commercial loans		371,190		6,123		29,599		—		—		29,599		406,912
Residential mortgage loans
One-to four-family		735,464		107		5,830		—		—		5,830		741,401
Construction		38,994		—		—		—		—		—		38,994
Total residential mortgage loans		774,458		107		5,830		—		—		5,830		780,395
Consumer Loans
Home equity		157,121		—		1,812		—		—		1,812		158,933
Auto		13,719		2		31		—		—		31		13,752
Marine		2,300		—		303		—		—		303		2,603
Recreational vehicle		9,385		—		292		—		—		292		9,677
Other		2,355		—		3		—		—		3		2,358
Total consumer loans		184,880		2		2,441		—		—		2,441		187,323
Total loans	$	1,330,528	$	6,232	$	37,870	$	—	$	—	$	37,870	$	1,374,630

Loans

December 31, 2015

(Dollars in thousands)

	Unclassified				Classified
	Unclassified		Special Mention		Substandard		Doubtful		Loss		Total Classified		Total Loans
Commercial Loans
Multifamily	$	75,535	$	3,727	$	908	$	—	$	—	$	908	$	80,170
Nonresidential		151,415		4,121		19,920		—		—		19,920		175,456
Land		8,917		—		384		—		—		384		9,301
Construction		38,812		—		—		—		—		—		38,812
Secured		53,801		3,037		6,344		—		—		6,344		63,182
Unsecured		2,728		—		103		—		—		103		2,831
Total commercial loans		331,208		10,885		27,659		—		—		27,659		369,752
Residential mortgage loans
One-to four-family		726,922		111		6,652		—		—		6,652		733,685
Construction		40,898		—		—		—		—		—		40,898
Total residential mortgage loans		767,820		111		6,652		—		—		6,652		774,583
Consumer Loans
Home equity		159,371		—		1,967		—		—		1,967		161,338
Auto		11,304		2		42		—		—		42		11,348
Marine		2,428		—		271		—		—		271		2,699
Recreational vehicle		10,157		—		499		—		—		499		10,656
Other		2,206		—		11		—		—		11		2,217
Total consumer loans		185,466		2		2,790		—		—		2,790		188,258
Total loans	$	1,284,494	$	10,998	$	37,101	$	—	$	—	$	37,101	$	1,332,593