Notes Tables

Schedule of non-accrual loans at amortized cost with no related allowance and interest income recognized for loans ninety days or more past due and still accruing


	At or for the nine months ended September 30, 2022
(In thousands)		Non-accrual amortized cost beginning of the reporting period		Non-accrual amortized cost end of the reporting period		Non-accrual with no related allowance		Interest income recognized		Loans ninety days or more past due and still accruing
Multi-family residential	$	2,652	$	3,715	$	3,715	$	—	$	—
Commercial real estate		640		1,908		1,908		—		—
One-to-four family - mixed-use property ⁽¹⁾		1,582		1,046		1,046		—		—
One-to-four family - residential		7,482		4,191		4,191		—		—
Small Business Administration		952		950		950		—		—
Commercial business and other ⁽¹⁾		1,945		18,252		4,882		159		2,000
Total	$	15,253	$	30,062	$	16,692	$	159	$	2,000

(1)

Included in the above analysis are non-accrual performing TDR one-to-four family – mixed-use property totaling $0.2 million. Commercial business and other contains a non-accrual performing TDR totaling $2.9 million.


	At or for the year ended December 31, 2021
(In thousands)		Non-accrual amortized cost beginning of the reporting period		Non-accrual amortized cost end of the reporting period		Non-accrual with no related allowance		Interest income recognized		Loans ninety days or more past due and still accruing
Multi-family residential	$	2,576	$	2,652	$	2,652	$	19	$	—
Commercial real estate		1,766		640		640		—		—
One-to-four family - mixed-use property ⁽¹⁾		1,706		1,582		1,582		6		—
One-to-four family - residential		5,313		7,482		7,482		1		—
Small Business Administration		1,168		952		952		—		—
Taxi medallion⁽²⁾		2,758		—		—		—		—
Commercial business and other⁽¹⁾		5,660		1,945		305		78		—
Total	$	20,947	$	15,253	$	13,613	$	104	$	—

(1)

Included in the above analysis are non-accrual performing TDR one-to-four family – mixed-use property totaling $0.3 million. Commercial business and other contains a non-accrual performing TDR totaling less than $0.1 million.

(2)

Taxi medallions were completely charged-off during the year ended December 31, 2021.

Summary of aging analysis of amortized cost basis of loans


	September 30, 2022
					Greater
	30 - 59 Days		60 - 89 Days		than		Total Past
(In thousands)	Past Due		Past Due		90 Days		Due		Current		Total Loans
Multi-family residential	$	4,920	$	1,077	$	3,715	$	9,712	$	2,601,630	$	2,611,342
Commercial real estate		—		4,066		3,908		7,974		1,908,038		1,916,012
One-to-four family - mixed-use property		2,311		318		796		3,425		560,359		563,784
One-to-four family - residential		99		229		4,191		4,519		237,121		241,640
Construction		—		—		—		—		63,487		63,487
Small Business Administration		—		—		950		950		26,607		27,557
Commercial business and other		325		9,597		2,343		12,265		1,520,587		1,532,852
Total	$	7,655	$	15,287	$	15,903	$	38,845	$	6,917,829	$	6,956,674


	December 31, 2021
					Greater
	30 - 59 Days		60 - 89 Days		than		Total Past
(In thousands)	Past Due		Past Due		90 Days		Due		Current		Total Loans
Multi-family residential	$	3,652	$	4,193	$	2,652	$	10,497	$	2,508,730	$	2,519,227
Commercial real estate		5,743		—		640		6,383		1,770,992		1,777,375
One-to-four family - mixed-use property		2,319		—		1,321		3,640		571,296		574,936
One-to-four family - residential		163		224		7,483		7,870		269,942		277,812
Construction		—		—		—		—		59,473		59,473
Small Business Administration		—		—		952		952		90,884		91,836
Commercial business and other		101		40		1,386		1,527		1,335,919		1,337,446
Total	$	11,978	$	4,457	$	14,434	$	30,869	$	6,607,236	$	6,638,105

Summary of risk category of mortgage and non-mortgage loans by loan portfolio segments and class of loans by year of origination


														Revolving Loans		Revolving Loans
														Amortized Cost		converted to
(In thousands)		2022		2021		2020		2019		2018		Prior		Basis		term loans		Total
1-4 Family Residential
Pass	$	14,376	$	8,756	$	18,790	$	42,039	$	29,191	$	99,631	$	7,588	$	13,558	$	233,929
Watch		—		289		—		732		—		1,330		63		841		3,255
Special Mention		—		—		—		—		—		—		—		—		—
Substandard		—		—		—		—		—		4,010		—		446		4,456
Total 1-4 Family Residential	$	14,376	$	9,045	$	18,790	$	42,771	$	29,191	$	104,971	$	7,651	$	14,845	$	241,640
1-4 Family Mixed-Use
Pass	$	38,477	$	44,662	$	32,958	$	64,949	$	67,082	$	304,622	$	—	$	—	$	552,750
Watch		—		—		888		741		—		7,207		—		—		8,836
Special Mention		—		—		—		—		—		962		—		—		962
Substandard		—		—		—		—		—		1,236		—		—		1,236
Total 1-4 Family Mixed-Use	$	38,477	$	44,662	$	33,846	$	65,690	$	67,082	$	314,027	$	—	$	—	$	563,784
Commercial Real Estate
Pass	$	302,056	$	182,756	$	153,420	$	234,022	$	245,188	$	763,516	$	—	$	—	$	1,880,958
Watch		—		1,605		—		8,602		6,784		10,081		—		—		27,072
Special Mention		—		—		—		—		—		4,066		—		—		4,066
Substandard		—		—		—		2,000		—		1,916		—		—		3,916
Total Commercial Real Estate	$	302,056	$	184,361	$	153,420	$	244,624	$	251,972	$	779,579	$	—	$	—	$	1,916,012
Construction
Pass	$	1,984	$	15,769	$	13,814	$	—		—	$	—	$	22,870	$	—	$	54,437
Watch		—		—		—		—		6,450		—		—		—		6,450
Special Mention		—		—		—		—		—		2,600		—		—		2,600
Substandard		—		—		—		—		—		—		—		—		—
Total Construction	$	1,984	$	15,769	$	13,814	$	—	$	6,450	$	2,600	$	22,870	$	—	$	63,487
Multi-family
Pass	$	417,745	$	290,993	$	226,506	$	318,909	$	385,967	$	925,965	$	6,175	$	—	$	2,572,260
Watch		—		1,117		1,462		—		14,810		15,927		—		—		33,316
Special Mention		—		—		—		—		725		568		—		—		1,293
Substandard		—		—		—		—		2,882		1,591		—		—		4,473
Total Multi-family	$	417,745	$	292,110	$	227,968	$	318,909	$	404,384	$	944,051	$	6,175	$	—	$	2,611,342
Commercial Business - Secured by RE
Pass	$	167,534	$	141,946	$	89,845	$	34,367	$	56,849	$	96,077	$	—	$	—	$	586,618
Watch		—		—		20,842		49,095		17,976		57,727		—		—		145,640
Special Mention		—		—		—		576		—		—		—		—		576
Substandard		—		—		—		—		—		3,513		—		—		3,513
Total Commercial Business - Secured by RE	$	167,534	$	141,946	$	110,687	$	84,038	$	74,825	$	157,317	$	—	$	—	$	736,347
Commercial Business
Pass	$	142,249	$	97,440	$	44,163	$	42,581	$	46,191	$	61,019	$	265,892	$	—	$	699,535
Watch		2,336		—		488		22,117		16,096		18,538		4,236		—		63,811
Special Mention		—		2,461		4,727		37		1,919		481		59		—		9,684
Substandard		1,454		1,435		72		31		2,862		1,869		14,855		—		22,578
Doubtful		—		—		—		—		—		—		792		—		792
Total Commercial Business	$	146,039	$	101,336	$	49,450	$	64,766	$	67,068	$	81,907	$	285,834	$	—	$	796,400
Small Business Administration
Pass	$	2,709	$	9,533	$	4,727	$	686	$	1,304	$	1,887	$	—	$	—	$	20,846
Watch		—		—		—		53		2,517		2,893		—		—		5,463
Special Mention		—		—		—		—		—		42		—		—		42
Substandard		—		—		—		—		—		1,206		—		—		1,206
Total Small Business Administration	$	2,709	$	9,533	$	4,727	$	739	$	3,821	$	6,028	$	—	$	—	$	27,557
Other
Pass	$	—	$	—	$	—	$	—	$	—	$	22	$	83	$	—	$	105
Total Other	$	—	$	—	$	—	$	—	$	—	$	22	$	83	$	—	$	105
Total by Loan Type
Total Pass	$	1,087,130	$	791,855	$	584,223	$	737,553	$	831,772	$	2,252,739	$	302,608	$	13,558	$	6,601,438
Total Watch		2,336		3,011		23,680		81,340		64,633		113,703		4,299		841		293,843
Total Special Mention		—		2,461		4,727		613		2,644		8,719		59		—		19,223
Total Substandard		1,454		1,435		72		2,031		5,744		15,341		14,855		446		41,378
Total Doubtful		—		—		—		—		—		—		792		—		792
Total Loans	$	1,090,920	$	798,762	$	612,702	$	821,537	$	904,793	$	2,390,502	$	322,613	$	14,845	$	6,956,674

Summary of allowance for off balance sheet


	For the three months ended				For the nine months ended
	September 30,				September 30,
	2022		2021		2022		2021

	(In thousands)
Balance at beginning of period	$	1,444	$	1,570	$	1,209	$	1,815
Off-Balance Sheet- Benefit		(631)		(259)		(396)		(504)
Allowance for Off-Balance Sheet - Credit losses ⁽¹⁾	$	813	$	1,311	$	813	$	1,311

(1)

Included in “Other liabilities” on the Consolidated Statements of Financial Condition.

Notes Tables

Schedule of recorded investment for loans classified as TDR at amortized cost


	September 30, 2022			December 31, 2021
	Number	Amortized		Number	Amortized
(Dollars in thousands)	of contracts	Cost		of contracts	Cost
Multi-family residential	6	$	1,677	6	$	1,690
Commercial real estate	1		7,572	1		7,572
One-to-four family - mixed-use property ⁽¹⁾	4		1,237	5		1,636
One-to-four family - residential	1		257	3		483
Small Business Administration	1		255	—		—
Commercial business and other ⁽¹⁾	6		3,805	5		1,381
Total performing	19	$	14,803	20	$	12,762

(1)

These loans continue to pay as agreed, however the Company records interest received on a cash basis.