6. Loans and Allowance For Loan Losses: Schedule of Bank Loans by Class According to Credit Quality (Tables)

3 Months Ended

Mar. 31, 2015

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.

(In 000's)	Commercial Loans March 31, 2015
	Good/ Excellent	Satisfactory	Pass	Special Mention	Substandard	Doubtful	Total
Commercial and industrial:
Commercial	$250	$1,370	$526	$-	$332	$133	$2,611
SBA loans	-	123	-	-	89	-	212
Asset-based	-	1,690	125	-	46	-	1,861
	250	3,183	651	-	467	133	4,684
Commercial real estate:
Commercial mortgages	-	12,365	713	56	1,238	316	14,688
SBA Loans	-	233	169	-	116	-	518
Construction	-	3,291	-	-	-	-	3,291
Religious organizations	-	9,123	1,174	732	510	-	11,539
	-	25,012	2,056	788	1,864	316	30,036
Total commercial loans	$250	$28,195	$2,707	$788	$2,331	$449	$34,720

	Residential Mortgage and Consumer Loans March 31, 2015
	Performing	Nonperforming	Total
Consumer Real Estate:
Home equity	$660	$363	$1,023
Home equity line of credit	22	-	22
1-4 family residential mortgages	1,969	142	2,111
	2,651	505	3,156
Consumer Other:
Consumer Installment	-	-	-
Student loans	1,175	-	1,175
Other	138	-	138
	1,313	-	1,313
Total  consumer loans	$3,964	$505	$4,469
Total loans				$    39,189

(In 000's)	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	$36,191

	Residential Mortgage and Consumer Loans December 31, 2014
	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