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6. Loans and Allowance For Loan Losses: Schedule of Bank's Loans by Class To Their Credit Quality Indictors (Tables)
 6 Months Ended
Jun. 30, 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 June 30, 2013

 

Good/ Excellent

Satisfactory

Pass

Special Mention

Substandard

Doubtful

Total

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Commercial and industrial:

 

 

 

 

 

 

 

    Commercial

$250

$9

$220

$8

$84

$393

$964

    SBA loans

-

25

-

43

49

-

117

    Asset-based

-

1,737

125

49

-

-

1,911

 

250

1,771

345

100

133

393

2,992

Commercial real estate:

 

 

 

 

 

 

 

    Commercial mortgages

-

14,976

1,372

158

618

89

17,213

     SBA Loans

-

607

-

-

-

-

607

    Construction

-

2,244

-

-

-

-

2,244

    Religious organizations

-

9,201

2,328

-

1,283

-

12,812

 

-

27,028

3,700

158

1,901

89

32,876

 

 

 

 

 

 

 

 

Total commercial loans

$250

$28,799

$4,045

$258

$2,034

$482

$35,868

 

 

 

 

 

 

 

 

 

 

Residential Mortgage and Consumer Loans June 30, 2013

 

Performing

Nonperforming

Total

 

 

 

 

 

 

Consumer Real Estate:

 

 

 

 

     Home equity

$1,243

$123

$1,366

 

     Home equity line of credit

25

-

25

 

     1-4 family residential mortgages

2,728

242

2,970

 

 

3,996

365

4,361

 

 

 

 

 

 

Consumer Other:

 

 

 

 

     Consumer Installment

23

-

23

 

     Student loans

1,456

-

1,456

 

     Other

145

-

145

 

 

1,624

-

1,624

 

 

 

 

 

 

Total  consumer loans

$5,620

$365

$5,985

 

 

 

 

 

 

Total loans

 

 

 

$      41,853

 

(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