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

6 Months Ended

Jun. 30, 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 June 30, 2015
	Good/ Excellent	Satisfactory	Pass	Special Mention	Substandard	Doubtful	Total
Commercial and industrial:
Commercial	$250	$1,322	$453	$-	$330	$133	$2,488
SBA loans	-	10	106	-	40	-	156
Asset-based	-	1,274	125	-	46	-	1,445
	250	2,606	684	-	416	133	4,089
Commercial real estate:
Commercial mortgages	-	11,794	701	55	1,286	316	14,152
SBA Loans	-	238	167	-	112	-	517
Construction	-	2,321	-	-	-	-	2,321
Religious organizations	-	8,897	1,162	725	488	-	11,272
	-	23,250	2,030	780	1,886	316	28,262
Total commercial loans	$250	$25,856	$2,714	$780	$2,302	$449	$32,351

	Residential Mortgage and Consumer Loans June 30, 2015
	Performing	Nonperforming	Total
Consumer Real Estate:
Home equity	$643	$360	$1,003
Home equity line of credit	22	-	22
1-4 family residential mortgages	1,939	75	2,014
	2,604	435	3,039
Consumer Other:
Consumer Installment	1,159	-	1,159
Student loans	137	-	137
Other	-	-	-
	1,295	-	1,296
Total  consumer loans	$3,900	$435	$4,335
Total loans				$36,686

(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