HVBC 2016 Annual Report

HV Bancorp, Inc. and Subsidiary Notes to the Consolidated Financial Statements Years Ended June 30, 2017 and 2016 69 2016 Loan Receivable (Dollars in thousands) Ending Balance Ending Balance: Individually Evaluated for Impairment Ending Balance: Collectively Evaluated for Impairment Residential: One-to-four family $ 71,980 $ 818 $ 71,162 Home equity and HELOCs 6,448 227 6,221 Commercial: Commercial real estate 11,620 760 10,860 Commercial business 558 193 365 Construction 3,179 — 3,179 Consumer 10 — 10 93,795 $ 1,998 $ 91,797 The following tables summarize information in regard to impaired loans by loan portfolio class as of and for the years ended June 30, 2017 and June 30, 2016: 2017 (Dollars in thousands) Recorded Investment Unpaid Principal Balance Related Allowance Average Record Investment Interest Income Recognized With no related allowance recorded Residential: One-to-four family $ 1,198 $ 1,198 $ — $ 893 $ 5 Home equity and HELOCs 196 196 — 151 1 Commercial: Commercial real estate 514 514 — 749 47 Commercial business — — — — — Construction — — — — — Consumer — — — — — 1,908 1,908 — 1,793 53 With an allowance recorded Residential: One-to-four family — — — — — Home equity and HELOCs — — — — — Commercial: Commercial real estate — — — — — Commercial business 173 173 15 183 10 Construction — — — — — Consumer — — — — — 173 173 15 183 10 $ 2,081 $ 2,081 $ 15 $ 1,976 $ 63