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4. Loans and Allowance For Loan Losses: Schedule of Bank's Loans by Class To Their Credit Quality Indictors (Tables)
 12 Months Ended
Dec. 31, 2012
Tables/Schedules  
Schedule of Bank's Loans by Class To Their Credit Quality Indictors

The tables below detail the Bank’s loans by class according to their credit quality indictors discussed above.

 

(In 000's)

Commercial Loans, December 31, 2012

 

Good/ Excellent

Satisfactory

Pass

Special Mention

Substandard

Doubtful

Total

 

 

 

 

 

 

 

 

Commercial and industrial:

 

 

 

 

 

 

 

    Commercial

$250

$104

$15

$220

$480

$393

$1,462

    SBA loans

-

27

-

49

49

-

125

    Asset-based

-

1,869

125

54

99

-

2,147

 

250

2,000

140

323

628

393

3,734

Commercial real estate:

 

 

 

 

 

 

 

    Commercial mortgages

-

12,678

1,322

-

403

317

14,721

     SBA Loans

-

621

-

-

-

-

621

    Construction

-

2,767

-

-

631

-

3,398

    Religious organizations

-

8,183

3,623

162

674

-

12,642

 

-

24,349

4,945

162

1,708

317

31,381

 

 

 

 

 

 

 

 

Total commercial loans

$250

$26,249

$5,085

$485

$2,336

$710

$33,115

 

 

 

 

 

 

 

 

 

 

Residential Mortgage and Consumer Loans December 31, 2012

 

- Performing/Nonperforming

 

Performing

Nonperforming

Total

 

 

 

 

 

 

Consumer Real Estate:

 

 

 

 

     Home equity

$1,390

$63

$1,453

 

     Home equity line of credit

26

-

26

 

     1-4 family residential mortgages

2,914

226

3,140

 

 

4,330

289

4,619

 

 

 

 

 

 

Consumer Other:

 

 

 

 

     Consumer Installment

30

-

30

 

     Student loans

1,588

-

1,588

 

Other

150

-

150

 

 

1,768

-

1,768

 

 

 

 

 

 

Total consumer loans

$6,098

$289

$6,387

 

 

 

 

 

 

Total loans

 

 

 

 $ 41,502

 

 

(In 000's)

 

 

Commercial Loans, December 31, 2011

 

 

 

 

Good/ Excellent

Satisfactory

Pass

Special Mention

Substandard

Doubtful

Total

 

 

 

 

 

 

 

 

Commercial and industrial:

 

 

 

 

 

 

 

    Commercial

$379

$586

-

$31

$264

$226

$1,486

    SBA loans

-

130

56

-

49

-

235

    Asset-based

-

1,847

61

-

101

-

2,009

 

379

2,563

117

31

414

226

3,730

Commercial real estate:

 

 

 

 

 

 

 

    Commercial mortgages

-

13,117

151

-

1,408

-

14,676

     SBA Loans

-

472

-

-

5

-

477

    Construction

-

1,391

-

-

-

-

1,391

    Religious organizations

-

9,751

2,925

-

977

-

13,653

 

-

24,731

3,076

-

2,390

-

30,197

 

 

 

 

 

 

 

 

Total commercial loans

$379

$27,294

$3,193

$31

$2,804

$226

$33,927

 

 

Residential Mortgage and Consumer Loans December 31, 2011

 

- Performing/Nonperforming

 

Performing

Nonperforming

Total

 

 

 

 

 

 

Consumer Real Estate:

 

 

 

 

     Home equity

$2,039

$106

$2,145

 

     Home equity line of credit

47

38

85

 

     1-4 family residential mortgages

3,055

301

3,356

 

 

5,141

445

5,586

 

 

 

 

 

 

Consumer Other:

 

 

 

 

     Consumer Installment

58

-

58

 

     Student loans

1,761

-

1,761

 

     Other

170

-

170

 

 

1,989

-

1,989

 

 

 

 

 

 

Total  consumer loans

$7,130

$445

$7,575

 

 

 

 

 

 

Total loans

 

 

 

 $ 41,502