XML 33 R22.htm IDEA: XBRL DOCUMENT
v3.22.2.2

LOANS & ALLOWANCE FOR CREDIT LOSSES (Tables) | 3 Months Ended
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Sep. 30, 2022
Receivables [Abstract] |
Schedule of Composition of the Loan Portfolio | The composition of the loan portfolio was:
(Dollars in thousands) | September 30, 2022 |  | June 30, 2022
Single Family - Mortgage & Warehouse | $ | 4,009,809 |  |  | $ | 3,988,462 |
Multifamily and Commercial Mortgage | 2,964,982 |  |  | 2,877,680 |
Commercial Real Estate | 5,523,895 |  |  | 4,781,044 |
Commercial & Industrial - Non-RE | 2,244,342 |  |  | 2,028,128 |
Auto & Consumer | 631,344 |  |  | 567,228 |
Other | 9,954 |  |  | 11,134 |
Total gross loans and leases | 15,384,326 |  |  | 14,253,676 |
Allowance for credit losses - loans | (155,472) |  |  | (148,617) |
Unaccreted premiums (discounts) and loan and lease fees | (17,281) |  |  | (13,998) |
Total net loans and leases | $ | 15,211,573 |  |  | $ | 14,091,061 |
Schedule of Allowance for Credit Losses on Financing Receivables | Activity in the allowance for credit losses by portfolio classes for the periods was:
| For the Three Months Ended September 30, 2022
(Dollars in thousands) | Single Family-Mortgage & Warehouse |  | Multifamily and Commercial Mortgage |  | Commercial Real Estate |  | Commercial & Industrial - Non-RE |  | Auto & Consumer |  | Other |  | Total
Balance at July 1, 2022 | $ | 19,670 |  |  | $ | 14,655 |  |  | $ | 69,339 |  |  | $ | 30,808 |  |  | $ | 14,114 |  |  | $ | 31 |  |  | $ | 148,617 |
Provision (benefit) for credit losses - loans | (1,642) |  |  | (6) |  |  | 4,437 |  |  | 3,557 |  |  | 2,405 |  |  | (1) |  |  | 8,750 |
Charge-offs | (4) |  |  | — |  |  | — |  |  | — |  |  | (2,362) |  |  | — |  |  | (2,366) |
Recoveries | 15 |  |  | — |  |  | — |  |  | 18 |  |  | 438 |  |  | — |  |  | 471 |
Balance at September 30, 2022 | $ | 18,039 |  |  | $ | 14,649 |  |  | $ | 73,776 |  |  | $ | 34,383 |  |  | $ | 14,595 |  |  | $ | 30 |  |  | $ | 155,472 |
| For the Three Months Ended September 30, 2021
(Dollars in thousands) | Single Family-Mortgage & Warehouse |  | Multifamily and Commercial Mortgage |  | Commercial Real Estate |  | Commercial & Industrial - Non-RE |  | Auto & Consumer |  | Other |  | Total
Balance at July 1, 2021 | $ | 26,604 |  |  | $ | 13,146 |  |  | $ | 57,928 |  |  | $ | 28,460 |  |  | $ | 6,519 |  |  | $ | 301 |  |  | $ | 132,958 |
Provision (benefit) for credit losses - loans | (1,351) |  |  | 36 |  |  | 7,295 |  |  | (5,646) |  |  | 3,626 |  |  | 40 |  |  | 4,000 |
Charge-offs | — |  |  | — |  |  | — |  |  | (322) |  |  | (394) |  |  | — |  |  | (716) |
Recoveries | 76 |  |  | 177 |  |  | — |  |  | 27 |  |  | 256 |  |  | — |  |  | 536 |
Balance at September 30, 2021 | $ | 25,329 |  |  | $ | 13,359 |  |  | $ | 65,223 |  |  | $ | 22,519 |  |  | $ | 10,007 |  |  | $ | 341 |  |  | $ | 136,778 |
Unfunded Loan Commitment Reserves Unfunded loan commitment reserves are included in “Accounts payable and other liabilities” in the unaudited Condensed Consolidated Balance Sheets. Provisions for the unfunded loan commitments are included in the unaudited Condensed Consolidated Statements of Income in “General and administrative expenses”. The following tables present a summary of the activity in the unfunded loan commitment reserves for the periods indicated:
| Three Months Ended September 30,
(Dollars in thousands) | 2022 |  | 2021
BALANCE—beginning July 1 | $ | 10,973 |  |  | $ | 5,723 |
Provision | — |  |  | 2,000 |
BALANCE—end September 30 | $ | 10,973 |  |  | $ | 7,723 |
Schedule of Nonaccrual Loans | Nonaccrual loans consisted of the following as of the dates indicated:
(Dollars in thousands) |  |  |  |  | As of September 30, 2022
Single Family - Mortgage & Warehouse |  |  |  |  | $ | 65,687 |
Multifamily and Commercial Mortgage |  |  |  |  | 35,837 |
Commercial Real Estate |  |  |  |  | 14,852 |
Commercial & Industrial - Non-RE |  |  |  |  | 2,989 |
Auto & Consumer |  |  |  |  | 990 |
Other |  |  |  |  | 126 |
Total nonaccrual loans |  |  |  |  | $ | 120,481 |
Nonaccrual loans to total loans |  |  |  |  | 0.78 | %
(Dollars in thousands) |  |  |  |  | As of June 30, 2022
Single Family - Mortgage & Warehouse |  |  |  |  | $ | 66,424 |
Multifamily and Commercial Mortgage |  |  |  |  | 33,410 |
Commercial Real Estate |  |  |  |  | 14,852 |
Commercial & Industrial - Non-RE |  |  |  |  | 2,989 |
Auto & Consumer |  |  |  |  | 439 |
Other |  |  |  |  | 80 |
Total nonaccrual loans |  |  |  |  | $ | 118,194 |
Nonaccrual loans to total loans |  |  |  |  | 0.83 | %
Schedule of Outstanding Principal Balance on Loans Performing and Nonaccrual | The outstanding unpaid balance of loans that are either performing or nonaccrual by portfolio class was:
| September 30, 2022
(Dollars in thousands) | Single Family-Mortgage & Warehouse |  | Multifamily and Commercial Mortgage |  | Commercial Real Estate |  | Commercial & Industrial - Non-RE |  | Auto & Consumer |  | Other |  | Total
Performing | $ | 3,944,122 |  |  | $ | 2,929,145 |  |  | $ | 5,509,043 |  |  | $ | 2,241,353 |  |  | $ | 630,354 |  |  | $ | 9,828 |  |  | $ | 15,263,845 |
Nonaccrual | 65,687 |  |  | 35,837 |  |  | 14,852 |  |  | 2,989 |  |  | 990 |  |  | 126 |  |  | 120,481 |
Total | $ | 4,009,809 |  |  | $ | 2,964,982 |  |  | $ | 5,523,895 |  |  | $ | 2,244,342 |  |  | $ | 631,344 |  |  | $ | 9,954 |  |  | $ | 15,384,326 |
| June 30, 2022
(Dollars in thousands) | Single Family-Mortgage & Warehouse |  | Multifamily and Commercial Mortgage |  | Commercial Real Estate |  | Commercial & Industrial - Non-RE |  | Auto & Consumer |  | Other |  | Total
Performing | $ | 3,922,038 |  |  | $ | 2,844,270 |  |  | $ | 4,766,192 |  |  | $ | 2,025,139 |  |  | $ | 566,789 |  |  | $ | 11,054 |  |  | $ | 14,135,482 |
Nonaccrual | 66,424 |  |  | 33,410 |  |  | 14,852 |  |  | 2,989 |  |  | 439 |  |  | 80 |  |  | 118,194 |
Total | $ | 3,988,462 |  |  | $ | 2,877,680 |  |  | $ | 4,781,044 |  |  | $ | 2,028,128 |  |  | $ | 567,228 |  |  | $ | 11,134 |  |  | $ | 14,253,676 |
Schedule of Composition of Loan and Lease Portfolio by Credit Quality Indicators | The amortized cost basis of the Company’s loans by year of origination and credit quality indicator are:
| September 30, 2022
| Loans Held for Investment Origination Year |  | Revolving Loans |  |  |  |  |  | Total
(Dollars in thousands) | 2023 |  | 2022 |  | 2021 |  | 2020 |  | 2019 |  | Prior |  |  |  |
Single Family-Mortgage & Warehouse |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | $ | 309,401 |  |  | $ | 1,427,758 |  |  | $ | 579,544 |  |  | $ | 380,330 |  |  | $ | 277,775 |  |  | $ | 767,417 |  |  | $ | 168,798 |  |  |  |  |  |  | $ | 3,911,023 |
Special Mention | — |  |  | — |  |  | — |  |  | 4,971 |  |  | 2,165 |  |  | 18,091 |  |  | 7,532 |  |  |  |  |  |  | 32,759 |
Substandard | — |  |  | 3,201 |  |  | 3,171 |  |  | 5,017 |  |  | 18,700 |  |  | 35,518 |  |  | 420 |  |  |  |  |  |  | 66,027 |
Doubtful | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  |  |  |  |  | — |
Total | 309,401 |  |  | 1,430,959 |  |  | 582,715 |  |  | 390,318 |  |  | 298,640 |  |  | 821,026 |  |  | 176,750 |  |  |  |  |  |  | 4,009,809 |
Multifamily and Commercial Mortgage |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | 187,856 |  |  | 1,004,942 |  |  | 541,338 |  |  | 403,340 |  |  | 247,670 |  |  | 483,365 |  |  | — |  |  |  |  |  |  | 2,868,511 |
Special Mention | — |  |  | 9,706 |  |  | 3,980 |  |  | 532 |  |  | 3,269 |  |  | — |  |  | — |  |  |  |  |  |  | 17,487 |
Substandard | — |  |  | 3,145 |  |  | 5,759 |  |  | 32,935 |  |  | 6,832 |  |  | 30,313 |  |  | — |  |  |  |  |  |  | 78,984 |
Doubtful | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  |  |  |  |  | — |
Total | 187,856 |  |  | 1,017,793 |  |  | 551,077 |  |  | 436,807 |  |  | 257,771 |  |  | 513,678 |  |  | — |  |  |  |  |  |  | 2,964,982 |
Commercial Real Estate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | 509,209 |  |  | 2,613,562 |  |  | 953,785 |  |  | 312,381 |  |  | 182,800 |  |  | 28,759 |  |  | 760,859 |  |  |  |  |  |  | 5,361,355 |
Special Mention | — |  |  | — |  |  | 55,820 |  |  | 12,138 |  |  | 1,000 |  |  | 15,000 |  |  | — |  |  |  |  |  |  | 83,958 |
Substandard | — |  |  | — |  |  | 38,290 |  |  | — |  |  | 15,487 |  |  | 23,507 |  |  | 1,298 |  |  |  |  |  |  | 78,582 |
Doubtful | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  |  |  |  |  | — |
Total | 509,209 |  |  | 2,613,562 |  |  | 1,047,895 |  |  | 324,519 |  |  | 199,287 |  |  | 67,266 |  |  | 762,157 |  |  |  |  |  |  | 5,523,895 |
Commercial & Industrial - Non-RE |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | 63,185 |  |  | 402,229 |  |  | 35,057 |  |  | 19,008 |  |  | 10,858 |  |  | 6,520 |  |  | 1,671,859 |  |  |  |  |  |  | 2,208,716 |
Special Mention | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  |  |  |  |  | — |
Substandard | — |  |  | 2,988 |  |  | — |  |  | 8,500 |  |  | — |  |  | — |  |  | 24,138 |  |  |  |  |  |  | 35,626 |
Doubtful | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  |  |  |  |  | — |
Total | 63,185 |  |  | 405,217 |  |  | 35,057 |  |  | 27,508 |  |  | 10,858 |  |  | 6,520 |  |  | 1,695,997 |  |  |  |  |  |  | 2,244,342 |
Auto & Consumer |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | 115,451 |  |  | 328,900 |  |  | 96,119 |  |  | 37,417 |  |  | 31,545 |  |  | 20,039 |  |  | — |  |  |  |  |  |  | 629,471 |
Special Mention | — |  |  | 328 |  |  | 218 |  |  | 44 |  |  | 16 |  |  | 38 |  |  | — |  |  |  |  |  |  | 644 |
Substandard | — |  |  | 509 |  |  | 291 |  |  | 154 |  |  | 231 |  |  | 44 |  |  | — |  |  |  |  |  |  | 1,229 |
Doubtful | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  |  |  |  |  | — |
Total | 115,451 |  |  | 329,737 |  |  | 96,628 |  |  | 37,615 |  |  | 31,792 |  |  | 20,121 |  |  | — |  |  |  |  |  |  | 631,344 |
Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | 698 |  |  | 2,000 |  |  | 3,310 |  |  | — |  |  | — |  |  | 1,525 |  |  | — |  |  |  |  |  |  | 7,533 |
Special Mention | — |  |  | — |  |  | 2,295 |  |  | — |  |  | — |  |  | — |  |  | — |  |  |  |  |  |  | 2,295 |
Substandard | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 126 |  |  | — |  |  |  |  |  |  | 126 |
Doubtful | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  |  |  |  |  | — |
Total | 698 |  |  | 2,000 |  |  | 5,605 |  |  | — |  |  | — |  |  | 1,651 |  |  | — |  |  |  |  |  |  | 9,954 |
Total |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | 1,185,800 |  |  | 5,779,391 |  |  | 2,209,153 |  |  | 1,152,476 |  |  | 750,648 |  |  | 1,307,625 |  |  | 2,601,516 |  |  |  |  |  |  | 14,986,609 |
Special Mention | — |  |  | 10,034 |  |  | 62,313 |  |  | 17,685 |  |  | 6,450 |  |  | 33,129 |  |  | 7,532 |  |  |  |  |  |  | 137,143 |
Substandard | — |  |  | 9,843 |  |  | 47,511 |  |  | 46,606 |  |  | 41,250 |  |  | 89,508 |  |  | 25,856 |  |  |  |  |  |  | 260,574 |
Doubtful | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  |  |  |  |  | — |
Total | $1,185,800 |  | $5,799,268 |  | $2,318,977 |  | $1,216,767 |  | $798,348 |  | $1,430,262 |  | $2,634,904 |  |  |  |  |  | $15,384,326
As a % of total gross loans | 7.71% |  | 37.70% |  | 15.07% |  | 7.91% |  | 5.19% |  | 9.30% |  | 17.13% |  |  |  |  |  | 100.0%
| June 30, 2022
| Loans Held for Investment Origination Year |  | Revolving Loans |  |  |  |  |  | Total
(Dollars in thousands) | 2022 |  | 2021 |  | 2020 |  | 2019 |  | 2018 |  | Prior |  |  |  |
Single Family-Mortgage & Warehouse |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | $ | 1,484,027 |  |  | $ | 600,054 |  |  | $ | 402,712 |  |  | $ | 303,999 |  |  | $ | 279,248 |  |  | $ | 548,703 |  |  | $ | 241,925 |  |  |  |  |  |  | $ | 3,860,668 |
Special Mention | — |  |  | — |  |  | 4,790 |  |  | 2,505 |  |  | 4,125 |  |  | 10,971 |  |  | 38,637 |  |  |  |  |  |  | 61,028 |
Substandard | — |  |  | 2,288 |  |  | 3,928 |  |  | 18,407 |  |  | 5,955 |  |  | 36,188 |  |  | — |  |  |  |  |  |  | 66,766 |
Doubtful | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  |  |  |  |  | — |
Total | 1,484,027 |  |  | 602,342 |  |  | 411,430 |  |  | 324,911 |  |  | 289,328 |  |  | 595,862 |  |  | 280,562 |  |  |  |  |  |  | 3,988,462 |
Multifamily and Commercial Mortgage |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | 999,819 |  |  | 569,486 |  |  | 429,247 |  |  | 259,161 |  |  | 219,548 |  |  | 316,013 |  |  | — |  |  |  |  |  |  | 2,793,274 |
Special Mention | 1,200 |  |  | — |  |  | 534 |  |  | 539 |  |  | — |  |  | 968 |  |  | — |  |  |  |  |  |  | 3,241 |
Substandard | — |  |  | 5,772 |  |  | 34,343 |  |  | 9,613 |  |  | 7,308 |  |  | 24,129 |  |  | — |  |  |  |  |  |  | 81,165 |
Doubtful | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  |  |  |  |  | — |
Total | 1,001,019 |  |  | 575,258 |  |  | 464,124 |  |  | 269,313 |  |  | 226,856 |  |  | 341,110 |  |  | — |  |  |  |  |  |  | 2,877,680 |
Commercial Real Estate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | 2,482,366 |  |  | 990,887 |  |  | 358,422 |  |  | 186,800 |  |  | 28,758 |  |  | — |  |  | 602,412 |  |  |  |  |  |  | 4,649,645 |
Special Mention | — |  |  | 32,351 |  |  | 12,138 |  |  | 16,487 |  |  | 15,000 |  |  | — |  |  | — |  |  |  |  |  |  | 75,976 |
Substandard | — |  |  | — |  |  | 12,575 |  |  | 18,043 |  |  | 23,507 |  |  | — |  |  | 1,298 |  |  |  |  |  |  | 55,423 |
Doubtful | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  |  |  |  |  | — |
Total | 2,482,366 |  |  | 1,023,238 |  |  | 383,135 |  |  | 221,330 |  |  | 67,265 |  |  | — |  |  | 603,710 |  |  |  |  |  |  | 4,781,044 |
Commercial & Industrial - Non-RE |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | 435,228 |  |  | 66,226 |  |  | 25,629 |  |  | 61,932 |  |  | 9,268 |  |  | — |  |  | 1,388,435 |  |  |  |  |  |  | 1,986,718 |
Special Mention | 13 |  |  | — |  |  | — |  |  | 186 |  |  | 710 |  |  | — |  |  | — |  |  |  |  |  |  | 909 |
Substandard | 2,988 |  |  | 28,359 |  |  | 9,154 |  |  | — |  |  | — |  |  | — |  |  | — |  |  |  |  |  |  | 40,501 |
Doubtful | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  |  |  |  |  | — |
Total | 438,229 |  |  | 94,585 |  |  | 34,783 |  |  | 62,118 |  |  | 9,978 |  |  | — |  |  | 1,388,435 |  |  |  |  |  |  | 2,028,128 |
Auto & Consumer |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | 352,468 |  |  | 107,882 |  |  | 43,377 |  |  | 37,008 |  |  | 16,147 |  |  | 8,891 |  |  | — |  |  |  |  |  |  | 565,773 |
Special Mention | 204 |  |  | 188 |  |  | 24 |  |  | 110 |  |  | — |  |  | 1 |  |  | — |  |  |  |  |  |  | 527 |
Substandard | 157 |  |  | 311 |  |  | 224 |  |  | 205 |  |  | 25 |  |  | 6 |  |  | — |  |  |  |  |  |  | 928 |
Doubtful | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  |  |  |  |  | — |
Total | 352,829 |  |  | 108,381 |  |  | 43,625 |  |  | 37,323 |  |  | 16,172 |  |  | 8,898 |  |  | — |  |  |  |  |  |  | 567,228 |
Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | 3,057 |  |  | 6,185 |  |  | — |  |  | — |  |  | 1,091 |  |  | 721 |  |  | — |  |  |  |  |  |  | 11,054 |
Special Mention | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  |  |  |  |  | — |
Substandard | — |  |  | — |  |  | 46 |  |  | — |  |  | — |  |  | 34 |  |  | — |  |  |  |  |  |  | 80 |
Doubtful | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  |  |  |  |  | — |
Total | 3,057 |  |  | 6,185 |  |  | 46 |  |  | — |  |  | 1,091 |  |  | 755 |  |  | — |  |  |  |  |  |  | 11,134 |
Total |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | 5,756,965 |  |  | 2,340,720 |  |  | 1,259,387 |  |  | 848,900 |  |  | 554,060 |  |  | 874,328 |  |  | 2,232,772 |  |  |  |  |  |  | 13,867,132 |
Special Mention | 1,417 |  |  | 32,539 |  |  | 17,486 |  |  | 19,827 |  |  | 19,835 |  |  | 11,940 |  |  | 38,637 |  |  |  |  |  |  | 141,681 |
Substandard | 3,145 |  |  | 36,730 |  |  | 60,270 |  |  | 46,268 |  |  | 36,795 |  |  | 60,357 |  |  | 1,298 |  |  |  |  |  |  | 244,863 |
Doubtful | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  |  |  |  |  | — |
Total | $ | 5,761,527 |  |  | $ | 2,409,989 |  |  | $ | 1,337,143 |  |  | $ | 914,995 |  |  | $ | 610,690 |  |  | $ | 946,625 |  |  | $ | 2,272,707 |  |  |  |  |  |  | $ | 14,253,676 |
As a % of total gross loans | 40.42% |  | 16.91% |  | 9.38% |  | 6.42% |  | 4.28% |  | 6.64% |  | 15.95% |  |  |  |  |  | 100.0%
Schedule of Past Due Loan and Leases | The outstanding unpaid balance of loans past due 30 days or more by portfolio class are:
| September 30, 2022
(Dollars in thousands) | 30-59 Days Past Due |  | 60-89 Days Past Due |  | 90+ Days Past Due |  | Total
Single Family-Mortgage & Warehouse | $ | 13,021 |  |  | $ | 5,494 |  |  | $ | 57,883 |  |  | $ | 76,398 |
Multifamily and Commercial Mortgage | 5,909 |  |  | 358 |  |  | 30,001 |  |  | 36,268 |
Commercial Real Estate | 9,655 |  |  | — |  |  | 14,852 |  |  | 24,507 |
Commercial & Industrial - Non-RE | — |  |  | — |  |  | — |  |  | — |
Auto & Consumer | 4,174 |  |  | 945 |  |  | 495 |  |  | 5,614 |
Other | 1,162 |  |  | — |  |  | 126 |  |  | 1,288 |
Total | $ | 33,921 |  |  | $ | 6,797 |  |  | $ | 103,357 |  |  | $ | 144,075 |
As a % of total gross loans | 0.22 | % |  | 0.05 | % |  | 0.67 | % |  | 0.94 | %
| June 30, 2022
(Dollars in thousands) | 30-59 Days Past Due |  | 60-89 Days Past Due |  | 90+ Days Past Due |  | Total
Single Family-Mortgage & Warehouse | $ | 5,167 |  |  | $ | 1,518 |  |  | $ | 63,286 |  |  | $ | 69,971 |
Multifamily and Commercial Mortgage | 9,455 |  |  | 2,115 |  |  | 26,556 |  |  | 38,126 |
Commercial Real Estate | — |  |  | 14,852 |  |  | — |  |  | 14,852 |
Commercial & Industrial - Non-RE | — |  |  | — |  |  | — |  |  | — |
Auto & Consumer | 4,865 |  |  | 1,009 |  |  | 466 |  |  | 6,340 |
Other | 413 |  |  | — |  |  | 193 |  |  | 606 |
Total | $ | 19,900 |  |  | $ | 19,494 |  |  | $ | 90,501 |  |  | $ | 129,895 |
As a % of total gross loans | 0.14 | % |  | 0.14 | % |  | 0.63 | % |  | 0.91 | %

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