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4. Loans and Allowance For Loan Losses: Schedule of Bank Loans by Class According to Credit Quality (Tables)
 12 Months Ended
Dec. 31, 2014
Tables/Schedules  
Schedule of Bank Loans by Class According to Credit Quality

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

 

 

 

 

Commercial Loans, December 31, 2014

 

 

 

 

Good/ Excellent

Satisfactory

Pass

Special Mention

Substandard

Doubtful

Total

 

 

 

 

 

 

 

 

Commercial and industrial:

 

 

 

 

 

 

 

    Commercial

$300

$1,321

$474

$220

$113

$135

$2,563

    SBA loans

-

80

-

-

88

-

168

    Asset-based

-

1,734

124

-

46

-

1,904

 

300

3,135

598

220

247

135

4,635

Commercial real estate:

 

 

 

 

 

 

 

    Commercial mortgages

-

13,024

724

57

1,348

317

15,470

     SBA Loans

-

237

170

-

118

-

525

    Construction

-

3,423

-

-

-

-

3,423

    Religious organizations

-

9,730

1,185

703

520

-

12,138

 

-

26,414

2,079

760

1,986

317

31,556

 

 

 

 

 

 

 

 

Total commercial loans

$300

$29,549

$2,677

$980

$2,233

$452

$36,173

 

 

Residential Mortgage and Consumer Loans December 31, 2014

 

- Performing/Nonperforming

 

Performing

Nonperforming

Total

 

 

 

 

 

 

Consumer Real Estate:

 

 

 

 

     Home equity

$679

$368

$1,047

 

     Home equity line of credit

22

-

22

 

     1-4 family residential mortgages

2,034

194

2,228

 

 

2,735

562

3,297

 

 

 

 

 

 

Consumer Other:

 

 

 

 

     Consumer Installment

7

-

7

 

     Student loans

1,221

-

1,221

 

Other

145

-

145

 

 

1,373

-

1,373

 

 

 

 

 

 

Total consumer loans

$4,108

$562

$4,670

 

 

 

 

 

 

Total loans

 

 

 

 $ 40,861

 

 

 

 

 

Commercial Loans, December 31, 2013

 

 

 

 

Good/ Excellent

Satisfactory

Pass

Special Mention

Substandard

Doubtful

Total

 

 

 

 

 

 

 

 

Commercial and industrial:

 

 

 

 

 

 

 

    Commercial

$250

$296

$220

-

$52

$393

$1,211

    SBA loans

-

367

-

40

178

-

585

    Asset-based

-

1,897

124

46

-

-

2,067

 

250

2,560

344

86

230

393

3,863

Commercial real estate:

 

 

 

 

 

 

 

    Commercial mortgages

-

15,232

883

-

912

316

17,343

     SBA Loans

-

395

171

-

-

-

566

    Construction

-

2,456

-

-

-

-

2,456

    Religious organizations

-

10,414

931

623

629

-

12,597

 

-

28,497

1,985

623

1,541

316

32,962

 

 

 

 

 

 

 

 

Total commercial loans

$250

$31,057

$2,329

$709

$1,771

$709

$36,825

 

 

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

 

 

 

$42,264