HVBC 2016 Annual Report

HV Bancorp, Inc. and Subsidiary Notes to the Consolidated Financial Statements Years Ended June 30, 2017 and 2016 70 2016 (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 $ 818 $ 818 $ — $ 684 $ 4 Home equity and HELOCs 227 227 — 176 — Commercial: Commercial real estate 557 600 — 582 35 Commercial business — — — — — Construction — — — — — Consumer — — — — — 1,602 1,645 — 1,442 39 With an allowance recorded Residential: One-to-four family — — — — — Home equity and HELOCs — — — — — Commercial: Commercial real estate 203 203 39 192 19 Commercial business 193 193 19 201 10 Construction — — — — — Consumer — — — — — 396 396 58 393 29 $ 1,998 $ 2,041 $ 58 $ 1,835 $ 68 If these loans were performing under the original contractual rate, interest income on such loans would have increased approximately $84,000 and $46,000 for the years ended June 30, 2017 and 2016, respectively. The following table presents nonaccrual loans by classes of the loan portfolio as of June 30, 2017 and 2016: (Dollars in thousands) 2017 2016 Residential: One-to-four family $ 1,198 $ 818 Home equity and HELOCs 110 227 Commercial: Commercial real estate 100 100 Commercial business — — Construction — — Consumer — — $ 1,408 $ 1,145