6. Loans and Allowance For Loan Losses: Bank Loans by Class (Tables)

3 Months Ended

Mar. 31, 2014

Tables/Schedules

Bank Loans by Class

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

(In 000's)	Commercial Loans March 31, 2014
	Good/ Excellent	Satisfactory	Pass	Special Mention	Substandard	Doubtful	Total
Commercial and industrial:
Commercial	$250	$814	$220	-	$47	$139	$1,470
SBA loans	-	2,073	125	46	-	-	2,244
Asset-based	-	465	-	40	48	-	553
	250	3,352	345	86	95	139	4,267
Commercial real estate:
Commercial mortgages	-	14,888	869	-	1,281	316	17,354
SBA Loans	-	260	171	-	127	-	558
Construction	-	3,307	-	-	-	-	3,307
Religious organizations	-	10,061	919	621	622	-	12,223
	-	28,516	1,959	621	2,030	316	33,442
Total commercial loans	$250	$31,868	$2,304	$707	$2,125	$455	$37,709

	Residential Mortgage and Consumer Loans March 31, 2014
	Performing	Nonperforming	Total
Consumer Real Estate:
Home equity	$730	$424	$1,154
Home equity line of credit	24	-	24
1-4 family residential mortgages	2,346	309	2,655
	3,100	733	3,833
Consumer Other:
Consumer Installment	12	-	12
Student loans	1,315	-	1,315
Other	170	-	170
	1,497	-	1,497
Total  consumer loans	$4,597	$733	$5,330
Total loans				$43,039

(In 000's)	Commercial Loans, December 31, 2013
	Good/ Excellent	Satisfactory	Pass	Special Mention	Substandard	Doubtful	Total
Commercial and industrial:
Commercial	$250	$743	$220	-	$52	$393	$1,658
SBA loans	-	497	-	40	48	-	585
Asset-based	-	1,897	124	46	-	-	2,067
	250	3,137	344	86	100	393	$4,310
Commercial real estate:
Commercial mortgages	-	15,232	883	-	912	316	17,343
SBA Loans	-	265	171	-	130	-	566
Construction	-	2,456	-	-	-	-	2,456
Religious organizations	-	10,414	931	623	629	-	12,597
	-	28,367	1,985	623	1,671	316	32,962
Total commercial loans	$250	$31,504	$2,329	$709	$1,771	$709	$37,272

	Residential Mortgage and Consumer Loans December 31, 2013
	Performing	Nonperforming	Total
Consumer Real Estate:
Home equity	$1,061	$115	$1,176
Home equity line of credit	24	-	24
1-4 family residential mortgages	2,467	242	2,709
	3,552	357	3,909
Consumer Other:
Consumer Installment	16	-	16
Student loans	1,366	-	1,366
Other	148	-	148
	1,530	-	1,530
Total  consumer loans	$5,082	$357	$5,439
Total loans				$  42,711