5. Loans and Allowance For Loan Losses: Schedule of Bank's Loans by Class To Their Credit Quality Indictors (Tables)

3 Months Ended

Mar. 31, 2013

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 March 31, 2013
	Good/ Excellent	Satisfactory	Pass	Special Mention	Substandard	Doubtful	Total
Commercial and industrial:
Commercial	$             250	$            182	$                    220	$            12	$         138	$      393	$       1,195
SBA loans	-	27	-	48	49	-	124
Asset-based	-	2,133	125	53	132	-	2,443
	250	2,342	345	113	319	393	3,762
Commercial real estate:
Commercial mortgages	-	12,893	1,305	-	624	90	14,912
SBA Loans	-	618	-	-	-	-	618
Construction	-	3,124	-	-	631	-	3,755
Religious organizations	-	8,426	2,439	159	666	-	11,690
	-	25,061	3,744	159	1,921	90	30,975
Total commercial loans	$             250	$       27,403	$                 4,089	$          272	$      2,240	$      483	$     34,737

			Residential Mortgage and Consumer Loans March 31, 2013
	Performing	Nonperforming		Total
Consumer Real Estate:
Home equity	$          1,327	$                     81		$      1,408
Home equity line of credit	25	-		25
1-4 family residential mortgages	2,852	242		3,094
	4,204	323		4,527
Consumer Other:
Consumer Installment	26	-		26
Student loans	1,476	-		1,476
Other	212	-		212
	1,714	-		1,714
Total  consumer loans	$          5,918	$                    323		$      6,241
Total loans					$     40,978

(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	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