HVBC 2016 Annual Report

HV Bancorp, Inc. and Subsidiary Notes to the Consolidated Financial Statements Years Ended June 30, 2017 and 2016 71 The following tables summarize the aggregate Pass and criticized categories of Special Mention, Substandard and Doubtful within the Bank’s internal risk rating system as of June 30, 2017 and 2016: 2017 Special (Dollars in thousands) Pass Mention Substandard Doubtful Total Residential: One-to-four family $ 87,099 $ — $ 1,479 $ — $ 88,578 Home equity and HELOCs 5,270 — 196 — 5,466 Commercial: Commercial real estate 11,283 552 356 — 12,191 Commercial business 3,628 — 173 — 3,801 Construction 2,004 — — — 2,004 Consumer 5 — — — 5 $ 109,289 $ 552 $ 2,204 $ — $ 112,045 2016 Special (Dollars in thousands) Pass Mention Substandard Doubtful Total Residential: One-to-four family $ 70,874 $ — $ 1,106 $ — $ 71,980 Home equity and HELOCs 6,221 — 227 — 6,448 Commercial: Commercial real estate 10,860 395 365 — 11,620 Commercial business 162 203 193 — 558 Construction 3,179 — — — 3,179 Consumer 10 — — — 10 $ 91,306 $ 598 $ 1,891 $ — $ 93,795 The following tables present the segments of the loan portfolio summarized by aging categories as of June 30, 2017 and 2016: 2017 Loans Receivable 30-59 60-89 Greater >90 Days Days Days than 90 Total Total Loans and (Dollars in thousands) Past Due Past Due Days Past Due Current Receivable Accruing Residential: One-to-four family $ 554 $ 381 $ 950 $ 1,885 $ 86,693 $ 88,578 $ — Home equity and HELOCs — — 110 110 5,356 5,466 — Commercial: Commercial real estate — — 100 100 12,091 12,191 — Commercial business — — — — 3,801 3,801 — Construction — — — — 2,004 2,004 — Consumer — — — — 5 5 — $ 554 $ 381 $ 1,160 $ 2,095 $ 109,950 $ 112,045 $ —