|   | 
December 31, 2013 | December 31, 2012 | |||||
|---|---|---|---|---|---|---|---|
|   | 
(In thousands) | 
||||||
| 
 Real estate:  | 
|||||||
| 
 One-to-four units  | 
$ | 46,459 | $ | 57,733 | |||
| 
 Five or more units  | 
113,268 | 83,350 | |||||
| 
 Commercial real estate  | 
26,697 | 41,124 | |||||
| 
 Church  | 
67,934 | 76,254 | |||||
| 
 Construction  | 
424 | 735 | |||||
| 
 Commercial:  | 
|||||||
| 
 Sports  | 
1,408 | 1,711 | |||||
| 
 Other  | 
659 | 2,184 | |||||
| 
 Consumer  | 
38 | 35 | |||||
|  |  |  |  |  |  |  |  | 
| 
 Total gross loans receivable  | 
256,887 | 263,126 | |||||
| 
 Loans in process  | 
(50 | ) | (74 | ) | |||
| 
 Net deferred loan costs  | 
901 | 557 | |||||
| 
 Unamortized premium (discounts)  | 
255 | (17 | ) | ||||
| 
 Allowance for loan losses  | 
(10,146 | ) | (11,869 | ) | |||
|  |  |  |  |  |  |  |  | 
| 
 Loans receivable, net  | 
$ | 247,847 | $ | 251,723 | |||
|  |  |  |  |  |  |  |  | 
|  |  |  |  |  |  |  |  |