Bank and thrift holdings of home-equity loans continue to decline, according to the Inside Mortgage Finance Bank Mortgage Database. Performance on the loans has been mixed, and there are concerns about the expiring interest-only period on vintage home-equity lines of credit. Banks and thrifts held $1.07 trillion in HELs – HELOCs, unused HELOC commitments and closed-end second liens – at the end of the first quarter of 2013, down 1.8 percent from the previous quarter. TD Bank was ... [Includes one data chart]