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v3.19.3

Loans (Tables) | 3 Months Ended
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Sep. 30, 2019
Receivables [Abstract] |
Schedule of Accounts, Notes, Loans and Financing Receivable | Loans consist of the following at the dates indicated:
| September 30, 2019 |  | June 30, 2019
Retail consumer loans: |  |  |
One-to-four family | $ | 396,649 |  |  | $ | 660,591 |
HELOCs - originated | 141,129 |  |  | 139,435 |
HELOCs - purchased | 104,324 |  |  | 116,972 |
Construction and land/lots | 85,319 |  |  | 80,602 |
Indirect auto finance | 147,808 |  |  | 153,448 |
Consumer | 11,400 |  |  | 11,416 |
Total retail consumer loans | 886,629 |  |  | 1,162,464 |
Commercial loans: |  |  |
Commercial real estate | 990,787 |  |  | 927,261 |
Construction and development | 203,494 |  |  | 210,916 |
Commercial and industrial | 158,706 |  |  | 160,471 |
Equipment finance | 154,479 |  |  | 132,058 |
Municipal finance | 114,382 |  |  | 112,016 |
Total commercial loans | 1,621,848 |  |  | 1,542,722 |
Total loans | 2,508,477 |  |  | 2,705,186 |
Deferred loan costs, net | 253 |  |  | 4 |
Total loans, net of deferred loan costs | 2,508,730 |  |  | 2,705,190 |
Allowance for loan losses | (21,314 | ) |  | (21,429 | )
Loans, net | $ | 2,487,416 |  |  | $ | 2,683,761 |
Financing Receivable Credit Quality Indicators | The Company's total non-purchased and purchased performing loans by segment, class, and risk grade at the dates indicated follows:
| Pass |  | Special Mention |  | Substandard |  | Doubtful |  | Loss |  | Total
September 30, 2019 |  |  |  |  |  |  |  |  |  |  |
Retail consumer loans: |  |  |  |  |  |  |  |  |  |  |
One-to-four family | $ | 381,231 |  |  | $ | 2,108 |  |  | $ | 7,466 |  |  | $ | 368 |  |  | $ | 15 |  |  | $ | 391,188 |
HELOCs - originated | 138,744 |  |  | 547 |  |  | 1,504 |  |  | 100 |  |  | 9 |  |  | 140,904 |
HELOCs - purchased | 103,848 |  |  | — |  |  | 476 |  |  | — |  |  | — |  |  | 104,324 |
Construction and land/lots | 84,789 |  |  | 5 |  |  | 159 |  |  | — |  |  | — |  |  | 84,953 |
Indirect auto finance | 146,967 |  |  | — |  |  | 841 |  |  | — |  |  | — |  |  | 147,808 |
Consumer | 11,351 |  |  | — |  |  | 43 |  |  | 1 |  |  | 5 |  |  | 11,400 |
Commercial loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial real estate | 963,018 |  |  | 9,599 |  |  | 11,315 |  |  | — |  |  | — |  |  | 983,932 |
Construction and development | 200,758 |  |  | 652 |  |  | 1,387 |  |  | 1 |  |  | — |  |  | 202,798 |
Commercial and industrial | 156,047 |  |  | 718 |  |  | 283 |  |  | — |  |  | — |  |  | 157,048 |
Equipment finance | 153,457 |  |  | — |  |  | 1,022 |  |  | — |  |  | — |  |  | 154,479 |
Municipal finance | 114,099 |  |  | 283 |  |  | — |  |  | — |  |  | — |  |  | 114,382 |
Total loans | $ | 2,454,309 |  |  | $ | 13,912 |  |  | $ | 24,496 |  |  | $ | 470 |  |  | $ | 29 |  |  | $ | 2,493,216 |
| Pass |  | Special Mention |  | Substandard |  | Doubtful |  | Loss |  | Total
June 30, 2019 |  |  |  |  |  |  |  |  |  |  |
Retail consumer loans: |  |  |  |  |  |  |  |  |  |  |
One-to-four family | $ | 644,159 |  |  | $ | 2,089 |  |  | $ | 8,072 |  |  | $ | 384 |  |  | $ | 19 |  |  | $ | 654,723 |
HELOCs - originated | 137,001 |  |  | 766 |  |  | 1,434 |  |  | — |  |  | 9 |  |  | 139,210 |
HELOCs - purchased | 116,306 |  |  | — |  |  | 666 |  |  | — |  |  | — |  |  | 116,972 |
Construction and land/lots | 79,995 |  |  | 71 |  |  | 164 |  |  | — |  |  | — |  |  | 80,230 |
Indirect auto finance | 152,393 |  |  | 13 |  |  | 1,042 |  |  | — |  |  | — |  |  | 153,448 |
Consumer | 11,375 |  |  | 1 |  |  | 33 |  |  | 3 |  |  | 4 |  |  | 11,416 |
Commercial loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial real estate | 901,214 |  |  | 8,066 |  |  | 10,306 |  |  | — |  |  | — |  |  | 919,586 |
Construction and development | 207,827 |  |  | 790 |  |  | 1,357 |  |  | 1 |  |  | — |  |  | 209,975 |
Commercial and industrial | 157,325 |  |  | 877 |  |  | 600 |  |  | — |  |  | — |  |  | 158,802 |
Equipment finance | 131,674 |  |  | — |  |  | 384 |  |  | — |  |  | — |  |  | 132,058 |
Municipal finance | 111,721 |  |  | 295 |  |  | — |  |  | — |  |  | — |  |  | 112,016 |
Total loans | $ | 2,650,990 |  |  | $ | 12,968 |  |  | $ | 24,058 |  |  | $ | 388 |  |  | $ | 32 |  |  | $ | 2,688,436 |
The Company's total purchased credit impaired ("PCI") loans by segment, class, and risk grade at the dates indicated follows:
| Pass |  | Special Mention |  | Substandard |  | Doubtful |  | Loss |  | Total
September 30, 2019 |  |  |  |  |  |  |  |  |  |  |
Retail consumer loans: |  |  |  |  |  |  |  |  |  |  |
One-to-four family | $ | 3,981 |  |  | $ | 214 |  |  | $ | 1,266 |  |  | $ | — |  |  | $ | — |  |  | $ | 5,461 |
HELOCs - originated | 225 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 225 |
Construction and land/lots | 140 |  |  | — |  |  | 226 |  |  | — |  |  | — |  |  | 366 |
Commercial loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial real estate | 3,703 |  |  | 1,881 |  |  | 1,271 |  |  | — |  |  | — |  |  | 6,855 |
Construction and development | 342 |  |  | — |  |  | 354 |  |  | — |  |  | — |  |  | 696 |
Commercial and industrial | 1,655 |  |  | — |  |  | — |  |  | — |  |  | 3 |  |  | 1,658 |
Total loans | $ | 10,046 |  |  | $ | 2,095 |  |  | $ | 3,117 |  |  | $ | — |  |  | $ | 3 |  |  | $ | 15,261 |
| Pass |  | Special Mention |  | Substandard |  | Doubtful |  | Loss |  | Total
June 30, 2019 |  |  |  |  |  |  |  |  |  |  |
Retail consumer loans: |  |  |  |  |  |  |  |  |  |  |
One-to-four family | $ | 4,124 |  |  | $ | 248 |  |  | $ | 1,496 |  |  | $ | — |  |  | $ | — |  |  | $ | 5,868 |
HELOCs - originated | 225 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 225 |
Construction and land/lots | 142 |  |  | — |  |  | 230 |  |  | — |  |  | — |  |  | 372 |
Commercial loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial real estate | 4,503 |  |  | 1,903 |  |  | 1,300 |  |  | — |  |  | — |  |  | 7,706 |
Construction and development | 453 |  |  | — |  |  | 488 |  |  | — |  |  | — |  |  | 941 |
Commercial and industrial | 1,666 |  |  | — |  |  | — |  |  | — |  |  | 3 |  |  | 1,669 |
Total loans | $ | 11,113 |  |  | $ | 2,151 |  |  | $ | 3,514 |  |  | $ | — |  |  | $ | 3 |  |  | $ | 16,781 |
Past Due Financing Receivables | The Company's total loans by segment, class, and delinquency status at the dates indicated follows:
| Past Due |  |  |  | Total
| 30-89 Days |  | 90 Days+ |  | Total |  | Current |  | Loans
September 30, 2019 |  |  |  |  |  |  |  |  |
Retail consumer loans: |  |  |  |  |  |  |  |  |
One-to-four family | $ | 2,511 |  |  | $ | 1,883 |  |  | $ | 4,394 |  |  | $ | 392,255 |  |  | $ | 396,649 |
HELOCs - originated | 437 |  |  | 204 |  |  | 641 |  |  | 140,488 |  |  | 141,129 |
HELOCs - purchased | 108 |  |  | 298 |  |  | 406 |  |  | 103,918 |  |  | 104,324 |
Construction and land/lots | — |  |  | 6 |  |  | 6 |  |  | 85,313 |  |  | 85,319 |
Indirect auto finance | 566 |  |  | 110 |  |  | 676 |  |  | 147,132 |  |  | 147,808 |
Consumer | 5 |  |  | 12 |  |  | 17 |  |  | 11,383 |  |  | 11,400 |
Commercial loans: |  |  |  |  |  |  |  |  |
Commercial real estate | 1,000 |  |  | 2,664 |  |  | 3,664 |  |  | 987,123 |  |  | 990,787 |
Construction and development | — |  |  | 1,170 |  |  | 1,170 |  |  | 202,324 |  |  | 203,494 |
Commercial and industrial | 95 |  |  | 118 |  |  | 213 |  |  | 158,493 |  |  | 158,706 |
Equipment finance | 1,012 |  |  | 629 |  |  | 1,641 |  |  | 152,838 |  |  | 154,479 |
Municipal finance | — |  |  | — |  |  | — |  |  | 114,382 |  |  | 114,382 |
Total loans | $ | 5,734 |  |  | $ | 7,094 |  |  | $ | 12,828 |  |  | $ | 2,495,649 |  |  | $ | 2,508,477 |
| Past Due |  |  |  | Total
| 30-89 Days |  | 90 Days+ |  | Total |  | Current |  | Loans
June 30, 2019 |  |  |  |  |  |  |  |  |
Retail consumer loans: |  |  |  |  |  |  |  |  |
One-to-four family | $ | 1,615 |  |  | $ | 1,389 |  |  | $ | 3,004 |  |  | $ | 657,587 |  |  | $ | 660,591 |
HELOCs - originated | 226 |  |  | 231 |  |  | 457 |  |  | 138,978 |  |  | 139,435 |
HELOCs - purchased | — |  |  | 485 |  |  | 485 |  |  | 116,487 |  |  | 116,972 |
Construction and land/lots | 138 |  |  | 6 |  |  | 144 |  |  | 80,458 |  |  | 80,602 |
Indirect auto finance | 459 |  |  | 237 |  |  | 696 |  |  | 152,752 |  |  | 153,448 |
Consumer | 6 |  |  | 8 |  |  | 14 |  |  | 11,402 |  |  | 11,416 |
Commercial loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial real estate | 2,279 |  |  | 516 |  |  | 2,795 |  |  | 924,466 |  |  | 927,261 |
Construction and development | — |  |  | 1,133 |  |  | 1,133 |  |  | 209,783 |  |  | 210,916 |
Commercial and industrial | 207 |  |  | 99 |  |  | 306 |  |  | 160,165 |  |  | 160,471 |
Equipment finance | 649 |  |  | 384 |  |  | 1,033 |  |  | 131,025 |  |  | 132,058 |
Municipal finance | — |  |  | — |  |  | — |  |  | 112,016 |  |  | 112,016 |
Total loans | $ | 5,579 |  |  | $ | 4,488 |  |  | $ | 10,067 |  |  | $ | 2,695,119 |  |  | $ | 2,705,186 |
Schedule of Past Due Loans Still Accruing and Nonaccruing Interest | The Company's recorded investment in loans, by segment and class, that are not accruing interest or are 90 days or more past due and still accruing interest at the dates indicated follows:
| September 30, 2019 |  | June 30, 2019
| Nonaccruing |  | 90 Days + & still accruing |  | Nonaccruing |  | 90 Days + & still accruing
Retail consumer loans: |  |  |  |  |  |  |
One-to-four family | $ | 3,348 |  |  | $ | — |  |  | $ | 3,223 |  |  | $ | — |
HELOCs - originated | 584 |  |  | — |  |  | 372 |  |  | — |
HELOCs - purchased | 476 |  |  | — |  |  | 666 |  |  | — |
Construction and land/lots | 6 |  |  | — |  |  | 6 |  |  | — |
Indirect auto finance | 317 |  |  | — |  |  | 463 |  |  | — |
Consumer | 24 |  |  | — |  |  | 21 |  |  | — |
Commercial loans: |  |  |  |  |  |  |  |  |  |  |
Commercial real estate | 3,398 |  |  | — |  |  | 3,559 |  |  | — |
Construction and development | 1,387 |  |  | — |  |  | 1,357 |  |  | — |
Commercial and industrial | 319 |  |  | — |  |  | 307 |  |  | — |
Equipment finance | 1,022 |  |  | — |  |  | 384 |  |  | — |
Total loans | $ | 10,881 |  |  | $ | — |  |  | $ | 10,358 |  |  | $ | — |
Schedule of Troubled Debt Restructurings Performing and Excluded from Nonaccruing Loans | The Company's loans that were performing under the payment terms of TDRs that were excluded from nonaccruing loans above at the dates indicated follows:
| September 30, 2019 |  | June 30, 2019
Performing TDRs included in impaired loans | $ | 24,590 |  |  | $ | 23,116 |
Allowance for Credit Losses on Financing Receivables | An analysis of the allowance for loan losses by segment for the periods shown is as follows:
| Three Months Ended September 30, 2019 |  | Three Months Ended September 30, 2018
| PCI |  | Retail Consumer |  | Commercial |  | Total |  | PCI |  | Retail Consumer |  | Commercial |  | Total
Balance at beginning of period | $ | 201 |  |  | $ | 6,419 |  |  | $ | 14,809 |  |  | $ | 21,429 |  |  | $ | 483 |  |  | $ | 7,527 |  |  | $ | 13,050 |  |  | $ | 21,060 |
Provision for (recovery of) loan losses | (7 | ) |  | (448 | ) |  | 455 |  |  | — |  |  | (188 | ) |  | (64 | ) |  | 252 |  |  | — |
Charge-offs | — |  |  | (395 | ) |  | (35 | ) |  | (430 | ) |  | — |  |  | (416 | ) |  | (2 | ) |  | (418 | )
Recoveries | — |  |  | 152 |  |  | 163 |  |  | 315 |  |  | — |  |  | 205 |  |  | 85 |  |  | 290 |
Balance at end of period | $ | 194 |  |  | $ | 5,728 |  |  | $ | 15,392 |  |  | $ | 21,314 |  |  | $ | 295 |  |  | $ | 7,252 |  |  | $ | 13,385 |  |  | $ | 20,932 |
Schedule of Ending Balances of Loans and the Related Allowance by Segment and Class | The Company's ending balances of loans and the related allowance, by segment and class, at the dates indicated follows:
| Allowance for Loan Losses |  | Total Loans Receivable
| PCI |  | Loans individually evaluated for impairment |  | Loans collectively evaluated |  | Total |  | PCI |  | Loans individually evaluated for impairment |  | Loans collectively evaluated |  | Total
September 30, 2019 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Retail consumer loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
One-to-four family | $ | 60 |  |  | $ | 70 |  |  | $ | 1,547 |  |  | $ | 1,677 |  |  | $ | 5,461 |  |  | $ | 5,452 |  |  | $ | 385,736 |  |  | $ | 396,649 |
HELOCs - originated | — |  |  | 9 |  |  | 1,108 |  |  | 1,117 |  |  | 225 |  |  | 9 |  |  | 140,895 |  |  | 141,129 |
HELOCs - purchased | — |  |  | — |  |  | 471 |  |  | 471 |  |  | — |  |  | — |  |  | 104,324 |  |  | 104,324 |
Construction and land/lots | — |  |  | — |  |  | 1,357 |  |  | 1,357 |  |  | 366 |  |  | 315 |  |  | 84,638 |  |  | 85,319 |
Indirect auto finance | — |  |  | — |  |  | 1,028 |  |  | 1,028 |  |  | — |  |  | 11 |  |  | 147,797 |  |  | 147,808 |
Consumer | — |  |  | 5 |  |  | 133 |  |  | 138 |  |  | — |  |  | 5 |  |  | 11,395 |  |  | 11,400 |
Commercial loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial real estate | 113 |  |  | 38 |  |  | 8,223 |  |  | 8,374 |  |  | 6,855 |  |  | 8,305 |  |  | 975,627 |  |  | 990,787 |
Construction and development | 4 |  |  | 5 |  |  | 3,148 |  |  | 3,157 |  |  | 696 |  |  | 1,275 |  |  | 201,523 |  |  | 203,494 |
Commercial and industrial | 17 |  |  | — |  |  | 1,941 |  |  | 1,958 |  |  | 1,658 |  |  | — |  |  | 157,048 |  |  | 158,706 |
Equipment finance | — |  |  | 67 |  |  | 1,517 |  |  | 1,584 |  |  | — |  |  | 1,022 |  |  | 153,457 |  |  | 154,479 |
Municipal finance | — |  |  | — |  |  | 453 |  |  | 453 |  |  | — |  |  | — |  |  | 114,382 |  |  | 114,382 |
Total | $ | 194 |  |  | $ | 194 |  |  | $ | 20,926 |  |  | $ | 21,314 |  |  | $ | 15,261 |  |  | $ | 16,394 |  |  | $ | 2,476,822 |  |  | $ | 2,508,477 |
June 30, 2019 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Retail consumer loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
One-to-four family | $ | 62 |  |  | $ | 74 |  |  | $ | 2,375 |  |  | $ | 2,511 |  |  | $ | 5,868 |  |  | $ | 5,318 |  |  | $ | 649,405 |  |  | $ | 660,591 |
HELOCs - originated | — |  |  | 7 |  |  | 1,060 |  |  | 1,067 |  |  | 225 |  |  | 7 |  |  | 139,203 |  |  | 139,435 |
HELOCs - purchased | — |  |  | — |  |  | 518 |  |  | 518 |  |  | — |  |  | — |  |  | 116,972 |  |  | 116,972 |
Construction and land/lots | — |  |  | — |  |  | 1,265 |  |  | 1,265 |  |  | 372 |  |  | 323 |  |  | 79,907 |  |  | 80,602 |
Indirect auto finance | — |  |  | — |  |  | 927 |  |  | 927 |  |  | — |  |  | — |  |  | 153,448 |  |  | 153,448 |
Consumer | — |  |  | 4 |  |  | 189 |  |  | 193 |  |  | — |  |  | 4 |  |  | 11,412 |  |  | 11,416 |
Commercial loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial real estate | 118 |  |  | 28 |  |  | 7,890 |  |  | 8,036 |  |  | 7,706 |  |  | 8,692 |  |  | 910,863 |  |  | 927,261 |
Construction and development | 4 |  |  | 5 |  |  | 3,187 |  |  | 3,196 |  |  | 941 |  |  | 1,397 |  |  | 208,578 |  |  | 210,916 |
Commercial and industrial | 17 |  |  | 2 |  |  | 1,957 |  |  | 1,976 |  |  | 1,669 |  |  | 2 |  |  | 158,800 |  |  | 160,471 |
Equipment finance | — |  |  | — |  |  | 1,305 |  |  | 1,305 |  |  | — |  |  | — |  |  | 132,058 |  |  | 132,058 |
Municipal finance | — |  |  | — |  |  | 435 |  |  | 435 |  |  | — |  |  | — |  |  | 112,016 |  |  | 112,016 |
Total | $ | 201 |  |  | $ | 120 |  |  | $ | 21,108 |  |  | $ | 21,429 |  |  | $ | 16,781 |  |  | $ | 15,743 |  |  | $ | 2,672,662 |  |  | $ | 2,705,186 |
Schedule of Impaired Loans and Related Allowance by Segment and Class | The Company's impaired loans and the related allowance, by segment and class, excluding PCI loans, at the dates indicated follows:
| Total Impaired Loans
| Unpaid Principal Balance |  | Recorded Investment With a Recorded Allowance |  | Recorded Investment With No Recorded Allowance |  | Total |  | Related Recorded Allowance
September 30, 2019 |  |  |  |  |  |  |  |  |
Retail consumer loans: |  |  |  |  |  |  |  |  |
One-to-four family | $ | 17,678 |  |  | $ | 12,747 |  |  | $ | 2,315 |  |  | $ | 15,062 |  |  | $ | 496 |
HELOCs - originated | 2,611 |  |  | 675 |  |  | 1,288 |  |  | 1,963 |  |  | 12 |
HELOCs - purchased | 476 |  |  | 476 |  |  | — |  |  | 476 |  |  | 2 |
Construction and land/lots | 1,692 |  |  | 795 |  |  | 315 |  |  | 1,110 |  |  | 27 |
Indirect auto finance | 585 |  |  | 191 |  |  | 216 |  |  | 407 |  |  | 2 |
Consumer | 295 |  |  | 11 |  |  | 35 |  |  | 46 |  |  | 7 |
Commercial loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial real estate | 9,674 |  |  | 6,620 |  |  | 2,771 |  |  | 9,391 |  |  | 45 |
Construction and development | 2,482 |  |  | 846 |  |  | 794 |  |  | 1,640 |  |  | 8 |
Commercial and industrial | 8,985 |  |  | 345 |  |  | — |  |  | 345 |  |  | 4 |
Equipment finance | 1,022 |  |  | 393 |  |  | 629 |  |  | 1,022 |  |  | 67 |
Total impaired loans | $ | 45,500 |  |  | $ | 23,099 |  |  | $ | 8,363 |  |  | $ | 31,462 |  |  | $ | 670 |
June 30, 2019 |  |  |  |  |  |  |  |  |  |  |  |  |  |
Retail consumer loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |
One-to-four family | $ | 18,302 |  |  | $ | 12,461 |  |  | $ | 3,152 |  |  | $ | 15,613 |  |  | $ | 472 |
HELOCs - originated | 2,410 |  |  | 564 |  |  | 1,219 |  |  | 1,783 |  |  | 46 |
HELOCs - purchased | 666 |  |  | — |  |  | 666 |  |  | 666 |  |  | — |
Construction and land/lots | 1,917 |  |  | 957 |  |  | 323 |  |  | 1,280 |  |  | 26 |
Indirect auto finance | 601 |  |  | 353 |  |  | 137 |  |  | 490 |  |  | 2 |
Consumer | 379 |  |  | 7 |  |  | 41 |  |  | 48 |  |  | 6 |
Commercial loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial real estate | 10,127 |  |  | 6,434 |  |  | 3,404 |  |  | 9,838 |  |  | 36 |
Construction and development | 2,574 |  |  | 940 |  |  | 791 |  |  | 1,731 |  |  | 7 |
Commercial and industrial | 10,173 |  |  | 354 |  |  | 768 |  |  | 1,122 |  |  | 6 |
Equipment finance | 462 |  |  | — |  |  | 384 |  |  | 384 |  |  | — |
Total impaired loans | $ | 47,611 |  |  | $ | 22,070 |  |  | $ | 10,885 |  |  | $ | 32,955 |  |  | $ | 601 |
Schedule of Average Recorded Investment in Loans, Unpaid Principal Balance and Interest Income Recognized | The Company's average recorded investment in impaired loans and interest income recognized on impaired loans for the three months ended September 30, 2019 and 2018 follows:
| Three Months Ended
| September 30, 2019 |  | September 30, 2018
| Average Recorded Investment |  | Interest Income Recognized |  | Average Recorded Investment |  | Interest Income Recognized
Retail consumer loans: |  |  |  |  |  |  |
One-to-four family | $ | 15,338 |  |  | $ | 206 |  |  | $ | 19,280 |  |  | $ | 290 |
HELOCs - originated | 1,873 |  |  | 29 |  |  | 1,319 |  |  | 18 |
HELOCs - purchased | 571 |  |  | 3 |  |  | 186 |  |  | 3 |
Construction and land/lots | 1,195 |  |  | 24 |  |  | 1,593 |  |  | 39 |
Indirect auto finance | 448 |  |  | 5 |  |  | 327 |  |  | 4 |
Consumer | 47 |  |  | 3 |  |  | 806 |  |  | 27 |
Commercial loans: |  |  |  |  |  |  |  |  |  |  |
Commercial real estate | 9,614 |  |  | 77 |  |  | 4,754 |  |  | 93 |
Construction and development | 1,686 |  |  | 14 |  |  | 1,940 |  |  | 29 |
Commercial and industrial | 734 |  |  | 10 |  |  | 219 |  |  | 17 |
Equipment finance | 703 |  |  | 8 |  |  | — |  |  | — |
Total loans | $ | 32,209 |  |  | $ | 379 |  |  | $ | 30,424 |  |  | $ | 520 |
Impaired Financing Receivable | A summary of changes in the accretable yield for PCI loans for the three months ended September 30, 2019 and 2018 follows:
| Three Months Ended
| September 30, 2019 |  | September 30, 2018
Accretable yield, beginning of period | $ | 5,259 |  |  | $ | 5,734 |
Reclass from nonaccretable yield (1) | 115 |  |  | 10 |
Other changes, net (2) | (14 | ) |  | 137 |
Interest income | (444 | ) |  | (429 | )
Accretable yield, end of period | $ | 4,916 |  |  | $ | 5,452 |
______________________________________
(1) | Represents changes attributable to expected loss assumptions.
(2) | Represents changes in cash flows expected to be collected due to the impact of modifications, changes in prepayment assumptions, and changes in interest rates.
Troubled Debt Restructurings on Financing Receivables | For the three months ended September 30, 2019 and 2018, the following tables present a breakdown of the types of concessions made on TDRs by loan class:
| Three Months Ended September 30, 2019 |  | Three Months Ended September 30, 2018
| Number of Loans |  | Pre Modification Outstanding Recorded Investment |  | Post Modification Outstanding Recorded Investment |  | Number of Loans |  | Pre Modification Outstanding Recorded Investment |  | Post Modification Outstanding Recorded Investment
Extended payment terms: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Retail consumer: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
One-to-four family | 1 |  |  | $ | 14 |  |  | $ | 14 |  |  | — |  |  | $ | — |  |  | $ | — |
Total | 1 |  |  | $ | 14 |  |  | $ | 14 |  |  | — |  |  | $ | — |  |  | $ | — |
Other TDRs: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Retail consumer: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
One-to-four family | 3 |  |  | $ | 35 |  |  | $ | 34 |  |  | 5 |  |  | $ | 244 |  |  | $ | 243 |
Indirect auto finance | 4 |  |  | 68 |  |  | 65 |  |  | 1 |  |  | 33 |  |  | 32 |
Consumer | — |  |  | — |  |  | — |  |  | 1 |  |  | 2 |  |  | 2 |
Total | 7 |  |  | $ | 103 |  |  | $ | 99 |  |  | 7 |  |  | $ | 279 |  |  | $ | 277 |
Total | 8 |  |  | $ | 117 |  |  | $ | 113 |  |  | 7 |  |  | $ | 279 |  |  | $ | 277 |
Schedule of Trouble Debt Restructurings With Payment Default | The following tables present loans that were modified as TDRs within the previous 12 months and for which there was a payment default during the three months ended September 30, 2019 and 2018:
| Three Months Ended September 30, 2019 |  | Three Months Ended September 30, 2018
| Number of Loans |  | Recorded Investment |  | Number of Loans |  | Recorded Investment
Other TDRs: |  |  |  |  |  |  |  |  |  |  |
Retail consumer: |  |  |  |  |  |  |  |  |  |  |
One-to-four family | 2 |  |  | $ | 122 |  |  | — |  |  | $ | — |
Consumer | 1 |  |  | 2 |  |  | — |  |  | — |
Total | 3 |  |  | $ | 124 |  |  | — |  |  | $ | — |
Total | 3 |  |  | $ | 124 |  |  | — |  |  | $ | — |

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