The table below sets forth loans at December 31, 2013 and 2012:
| December 31, | ||||||||
| 2013 | 2012 | |||||||
|
Commercial business |
$ | 16,932 | $ | 12,505 | ||||
|
Commercial real estate |
38,055 | 41,489 | ||||||
|
One- to four-family |
119,376 | 122,601 | ||||||
|
Mortgage warehouse |
31,550 | 33,094 | ||||||
|
Home equity |
8,942 | 8,564 | ||||||
|
Consumer |
4,748 | 5,760 | ||||||
|
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|
|
|||||
| 219,603 | 224,013 | |||||||
|
Premiums, net |
55 | 66 | ||||||
|
Deferred loan costs, net |
691 | 629 | ||||||
|
Allowance for loan losses |
(2,069 | ) | (2,420 | ) | ||||
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|
Loans, net |
$ | 218,280 | $ | 222,288 | ||||
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