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Loans (Tables)

6 Months Ended

Jun. 30, 2020

Receivables [Abstract]

Net Loans Held-for-Investment

Net loans held-for-investment are as follows (in thousands):

			June 30,						December 31,
			2020						2019
Real estate loans:
Multifamily			$	2,300,773					$	2,196,407
Commercial mortgage			535,629						528,681
One-to-four family residential mortgage			82,697						83,742
Home equity and lines of credit			88,105						84,928
Construction and land			46,815						38,284
Total real estate loans			3,054,019						2,932,042
Commercial and industrial loans (1)			152,879						45,328
Other loans			2,411						2,083
Total commercial and industrial and other loans			155,290						47,411
Deferred loan cost, net			4,380						7,614
Originated loans held-for-investment, net			3,213,689						2,987,067
PCI Loans			14,775						17,365
Loans acquired:
One-to-four family residential mortgage			147,179						187,975
Multifamily			95,835						108,417
Commercial mortgage			98,281						113,027
Home equity and lines of credit			10,091						12,008
Construction and land			1,475						2,537
Total acquired real estate loans			352,861						423,964
Commercial and industrial loans			8,034						8,689
Total loans acquired, net			360,895						432,653
Loans held-for-investment, net			3,589,359						3,437,085
Allowance for loan losses			(38,520)						(28,707)
Net loans held-for-investment			$	3,550,839					$	3,408,378

⁽¹⁾ Included in originated commercial and industrial loans at June 30, 2020, are PPP loans totaling $105.7 million. There were no PPP loans at December 31, 2019.

Summary of Accretable Yield

The following table details the accretion of interest income for PCI loans for the three and six months ended June 30, 2020 and June 30, 2019 (in thousands): 

			At or for the three months ended June 30,																		At or for the six months ended June 30,
			2020						2019						2020						2019
Balance at the beginning of period			$	16,283					$	20,797					$	17,086					$	21,846
Accretion into interest income			(717)						(1,003)						(1,520)						(2,052)
Balance at end of period			$	15,566					$	19,794					$	15,566					$	19,794

Allowance For Loan Losses And Loans Receivable By Portfolio Segment Table

The following tables set forth activity in our allowance for loan losses, by loan type, as of and for the three and six months ended June 30, 2020, and June 30, 2019 (in thousands):  

			Three Months Ended June 30, 2020
			Real Estate
			Commercial						One-to-Four Family						Construction and Land						Multifamily						Home Equity and Lines of Credit						Commercial and Industrial						Other						Originated Loans Total						Purchased Credit-Impaired						Acquired Loans						Total
Allowance for loan losses:
Beginning balance			$	5,389					$	312					$	671					$	26,889					$	574					$	2,035					$	86					$	35,956					$	789					$	55					$	36,800
Charge-offs			(164)						—						—						—						—						(57)						—						(221)						—						—						(221)
Recoveries			13						—						—						—						—						3						—						16						—						4						20
Provisions (credit)			1,271						(40)						266						354						(16)						(135)						90						1,790						—						131						1,921
Ending balance			$	6,509					$	272					$	937					$	27,243					$	558					$	1,846					$	176					$	37,541					$	789					$	190					$	38,520

			Three Months Ended June 30, 2019
			Real Estate
			Commercial						One-to-Four Family						Construction and Land						Multifamily						Home Equity and Lines of Credit						Commercial and Industrial						Other						Originated Loans Total						Purchased Credit-Impaired						Acquired Loans						Total
Allowance for loan losses:
Beginning balance			$	5,382					$	370					$	574					$	18,346					$	336					$	1,376					$	92					$	26,476					$	1,010					$	—					$	27,486
Charge-offs			—						—						—						—						—						(57)						(123)						(180)						—						(53)						(233)
Recoveries			13						72						—						—						—						—						1						86						—						2						88
Provisions (credit)			(64)						(208)						10						38						81						272						176						305						—						186						491
Ending balance			$	5,331					$	234					$	584					$	18,384					$	417					$	1,591					$	146					$	26,687					$	1,010					$	135					$	27,832

			Six Months Ended June 30, 2020
			Real Estate
			Commercial						One-to-Four Family						Construction and Land						Multifamily						Home Equity and Lines of Credit						Commercial and Industrial						Other												Originated Loans Total						Purchased Credit-Impaired						Acquired Loans						Total
Allowance for loan losses:
Beginning balance			$	4,756					$	180					$	536					$	20,203					$	317					$	1,640					$	151											$	27,783					$	789					$	135					$	28,707
Charge-offs			(164)						—						—						—						—						(94)						—												(258)						—						(433)						(691)
Recoveries			383						—						—						—						—						5						—												388						—						12						400
Provisions (credit)			1,534						92						401						7,040						241						295						25												9,628						—						476						10,104
Ending balance			$	6,509					$	272					$	937					$	27,243					$	558					$	1,846					$	176											$	37,541					$	789					$	190					$	38,520

			Six Months Ended June 30, 2019
			Real Estate
			Commercial						One-to-Four Family						Construction and Land						Multifamily						Home Equity and Lines of Credit						Commercial and Industrial						Other												Originated Loans Total						Purchased Credit-Impaired						Acquired Loans						Total
Allowance for loan losses:
Beginning balance			$	5,630					$	342					$	463					$	18,084					$	291					$	1,569					$	108											$	26,487					$	1,010					$	—					$	27,497
Charge-offs			(6)						—						—						—						—						(83)						(123)												(212)						—						(112)						(324)
Recoveries			25						72						—						—						—						—						1												98						—						11						109
Provisions (credit)			(318)						(180)						121						300						126						105						160												314						—						236						550
Ending balance			$	5,331					$	234					$	584					$	18,384					$	417					$	1,591					$	146											$	26,687					$	1,010					$	135					$	27,832

        The following tables detail the amount of loans receivable held-for-investment, net of deferred loan fees and costs, that are evaluated individually, and collectively, for impairment, and the related portion of the allowance for loan losses that is allocated to each loan portfolio segment, at June 30, 2020, and December 31, 2019 (in thousands):

			June 30, 2020
			Real Estate
			Commercial						One-to-Four Family						Construction and Land						Multifamily						Home Equity and Lines of Credit						Commercial and Industrial						Other									Originated Loans Total						Purchased Credit-Impaired						Acquired Loans						Total
Allowance for loan losses:
Ending balance: individually evaluated for impairment			$	117					$	4					$	—					$	—					$	4					$	4					$	—								$	129					$	—					$	190					$	319
Ending balance: collectively evaluated for impairment			$	6,392					$	268					$	937					$	27,243					$	554					$	1,842					$	176								$	37,412					$	789					$	—					$	38,201
Loans, net:
Ending balance			$	536,245					$	84,189					$	46,843					$	2,304,166					$	90,110					$	149,725					$	2,411								$	3,213,689					$	14,775					$	360,895					$	3,589,359
Ending balance: individually evaluated for impairment			$	11,611					$	1,691					$	—					$	634					$	51					$	54					$	—								$	14,041					$	—					$	5,840					$	19,881
Ending balance: collectively evaluated for impairment			$	524,634					$	82,498					$	46,843					$	2,303,532					$	90,059					$	149,671					$	2,411								$	3,199,648					$	14,775					$	355,055					$	3,569,478

			December 31, 2019
			Real Estate
			Commercial						One-to-Four Family						Construction and Land						Multifamily						Home Equity and Lines of Credit						Commercial and Industrial						Other									Originated Loans Total						Purchased Credit-Impaired						Acquired Loans						Total
Allowance for loan losses:
Ending balance: individually evaluated for impairment			$	—					$	—					$	—					$	—					$	3					$	4					$	—								$	7					$	—					$	135					$	142
Ending balance: collectively evaluated for impairment			$	4,756					$	180					$	536					$	20,203					$	314					$	1,636					$	151								$	27,776					$	789					$	—					$	28,565
Loans, net:
Ending balance			$	529,287					$	85,355					$	38,303					$	2,199,734					$	86,848					$	45,456					$	2,084								$	2,987,067					$	17,365					$	432,653					$	3,437,085
Ending balance: individually evaluated for impairment			$	13,226					$	1,841					$	—					$	997					$	55					$	58					$	—								$	16,177					$	—					$	4,780					$	20,957
Ending balance: collectively evaluated for impairment			$	516,061					$	83,514					$	38,303					$	2,198,737					$	86,793					$	45,398					$	2,084								$	2,970,890					$	17,365					$	427,873					$	3,416,128

Investment of Originated Loans Held-for-Investment, Net of Deferred Fees and Costs, by Loan Type and Credit Quality Indicator

The following tables detail the recorded investment of originated loans held-for-investment, net of deferred fees and costs, by loan type and credit quality indicator at June 30, 2020, and December 31, 2019 (in thousands):

			At June 30, 2020
			Real Estate
			Multifamily																		Commercial																		One-to-Four Family																		Construction and Land						Home Equity and Lines of Credit						Commercial and Industrial						Other						Total
			< 35% LTV						=> 35% LTV						< 35% LTV						=> 35% LTV						< 60% LTV						=> 60% LTV
Internal Risk Rating
Pass			$	248,120					$	2,049,444					$	90,805					$	438,479					$	53,521					$	28,326					$	46,843					$	89,749					$	149,391					$	2,411					$	3,197,089
Special Mention			—						760						—						808						590						—						—						76						297						—						2,531
Substandard			585						5,257						—						6,153						1,727						25						—						285						37						—						14,069
Originated loans held-for-investment, net			$	248,705					$	2,055,461					$	90,805					$	445,440					$	55,838					$	28,351					$	46,843					$	90,110					$	149,725					$	2,411					$	3,213,689

			At December 31, 2019
			Real Estate
			Multifamily																		Commercial																		One-to-Four Family																		Construction and Land						Home Equity and Lines of Credit						Commercial and Industrial						Other						Total
			< 35% LTV						=> 35% LTV						< 35% LTV						=> 35% LTV						< 60% LTV						=> 60% LTV
Internal Risk Rating
Pass			$	232,950					$	1,960,984					$	79,485					$	440,065					$	52,886					$	29,967					$	38,303					$	86,547					$	45,075					$	2,084					$	2,968,346
Special Mention			—						296						370						1,092						777						—						—						14						301						—						2,850
Substandard			301						5,203						—						8,275						1,397						328						—						287						80						—						15,871
Originated loans held-for-investment, net			$	233,251					$	1,966,483					$	79,855					$	449,432					$	55,060					$	30,295					$	38,303					$	86,848					$	45,456					$	2,084					$	2,987,067

Estimated Expected Future Cash Flows of Each PCI Loan Pool

The following tables set forth the detail, and delinquency status, of non-performing loans (non-accrual loans and loans past due 90 days or more and still accruing), net of deferred fees and costs, at June 30, 2020, and December 31, 2019, excluding PCI loans which have been segregated into pools. For PCI loans, each loan pool is accounted for as a single asset with a single composite interest rate and an aggregate expectation of cash flows (in thousands):

			June 30, 2020
			Total Non-Performing Loans
			Non-Accruing Loans
			0-29 Days Past Due						30-89 Days Past Due						90 Days or More Past Due						Total						90 Days or More Past Due and Accruing						Total Non-Performing Loans
Loans held-for-investment:
Real estate loans:
Commercial
LTV => 35%
Substandard			$	—					$	—					$	944					$	944					—						$	944
Total commercial			—						—						944						944						—						944
One-to-four family residential
LTV < 60%
Substandard			405						—						77						482						171						653
Total			405						—						77						482						171						653
LTV => 60%
Substandard			24						—						—						24						—						24
Total one-to-four family residential			429						—						77						506						171						677
Multifamily
LTV < 35%
Substandard			—						—						291						291						—						291
LTV => 35%
Substandard			—						—						—						—						493						493
Total multifamily			—						—						291						291						493						784
Home equity and lines of credit
Substandard			—						64						89						153						100						253
Total home equity and lines of credit			—						64						89						153						100						253
Total non-performing loans held-for-investment, originated			429						64						1,401						1,894						764						2,658
Loans acquired:
Real estate loans:
Commercial
LTV < 35%
Substandard			79						—						187						266						—						266
LTV => 35%
Substandard			2,852						1,274						1,753						5,879						—						5,879
Total commercial			2,931						1,274						1,940						6,145						—						6,145
One-to-four family residential
LTV < 60%
Substandard			—						188						27						215						161						376
LTV => 60%
Substandard			—						—						93						93						—						93
Total one-to-four family residential			—						188						120						308						161						469
Multifamily
LTV < 35%
Substandard			40						—						—						40						—						40
LTV => 35%
Substandard			—						391						—						391						—						391
Total multifamily			40						391						—						431						—						431
Home equity and lines of credit - Substandard			—						—						28						28						14						42
Total home equity and lines of credit			—						—						28						28						14						42
Commercial and industrial loans
Substandard			—						—						—						—						39						39
Total commercial and industrial loans			—						—						—						—						39						39
Total non-performing loans acquired			2,971						1,853						2,088						6,912						214						7,126
Total non-performing loans			$	3,400					$	1,917					$	3,489					$	8,806					$	978					$	9,784

			December 31, 2019
			Total Non-Performing Loans
			Non-Accruing Loans
			0-29 Days Past Due						30-89 Days Past Due						90 Days or More Past Due						Total						90 Days or More Past Due and Accruing						Total Non-Performing Loans
Loans held-for-investment:
Real estate loans:
Commercial
LTV < 35%
Substandard															$	2,416					$	2,416											$	2,416
Total commercial			—						—						2,416						2,416						—						2,416
One-to-four family residential
LTV < 60%
Substandard			—						—						493						493						114						607
LTV => 60%
Substandard			—						29						—						29						—						29
Total one-to-four family residential			—						29						493						522						114						636
Home equity and lines of credit
Substandard			—						67						89						156						—						156
Total home equity and lines of credit			—						67						89						156						—						156
Total non-performing loans held-for-investment, originated			—						96						2,998						3,094						114						3,208
Loans acquired:
Real estate loans:
Commercial
LTV < 35%
Substandard			79						—						188						267						66						333
LTV => 35%
Substandard			3,530						—						1,709						5,239						187						5,426
Total commercial			3,609						—						1,897						5,506						253						5,759
One-to-four family residential
LTV < 60%
Substandard			190						—						85						275						151						426
LTV => 60%
Substandard			—						—						93						93						—						93
Total one-to-four family residential			190						—						178						368						151						519
Multifamily
LTV < 35%
Substandard			40						—						—						40						—						40
LTV => 35%
Substandard			—						397						—						397						—						397
Total multifamily			40						397						—						437						—						437
Home equity and lines of credit
Substandard			—						—						28						28						—						28
Total home equity and lines of credit			—						—						28						28						—						28
Total non-performing loans acquired			3,839						397						2,103						6,339						404						6,743
Total non-performing loans			$	3,839					$	493					$	5,101					$	9,433					$	518					$	9,951

Detail and Delinquency Status of Originated Loans Held-for-Investment, Net of Deferred Fees and Costs, by Performing and Non-Performing Loans

The following tables set forth the detail and delinquency status of originated and acquired loans held-for-investment, net of deferred fees and costs, by performing and non-performing loans at June 30, 2020, and December 31, 2019 (in thousands):

			June 30, 2020
			Performing (Accruing) Loans
			0-29 Days Past Due						30-89 Days Past Due						Total						Non-Performing Loans						Total Loans Receivable, net
Loans held-for-investment:
Real estate loans:
Commercial
LTV < 35%
Pass			$	88,671					$	2,134					$	90,805					$	—					$	90,805
Total			88,671						2,134						90,805						—						90,805
LTV => 35%
Pass			430,117						8,362						438,479						—						438,479
Special Mention			808						—						808						—						808
Substandard			5,209						—						5,209						944						6,153
Total			436,134						8,362						444,496						944						445,440
Total commercial			524,805						10,496						535,301						944						536,245
One-to-four family residential
LTV < 60%
Pass			53,077						444						53,521						—						53,521
Special Mention			80						510						590						—						590
Substandard			1,074						—						1,074						653						1,727
Total			54,231						954						55,185						653						55,838
LTV => 60%
Pass			28,326						—						28,326						—						28,326
Substandard			—						—						—						25						25
Total			28,326						—						28,326						25						28,351
Total one-to-four family residential			82,557						954						83,511						678						84,189
Construction and land
Pass			46,645						198						46,843						—						46,843
Total construction and land			46,645						198						46,843						—						46,843
Multifamily
LTV < 35%
Pass			248,120						—						248,120						—						248,120
Substandard			294						—						294						291						585
Total			248,414						—						248,414						291						248,705
LTV => 35%
Pass			2,049,444						—						2,049,444						—						2,049,444
Special Mention			760						—						760						—						760
Substandard			4,690						75						4,765						492						5,257
Total			2,054,894						75						2,054,969						492						2,055,461
Total multifamily			2,303,308						75						2,303,383						783						2,304,166
Home equity and lines of credit
Pass			89,455						294						89,749						—						89,749
Special Mention			76						—						76						—						76
Substandard			32						—						32						253						285
Total home equity and lines of credit			89,563						294						89,857						253						90,110
Commercial and industrial
Pass			148,939						452						149,391						—						149,391
Special Mention			267						30						297						—						297
Substandard			37						—						37						—						37
Total commercial and industrial			149,243						482						149,725						—						149,725

			June 30, 2020
			Performing (Accruing) Loans (Continued)
			0-29 Days Past Due						30-89 Days Past Due						Total						Non-Performing Loans						Total Loans Receivable, net
Other loans
Pass			2,411						—						2,411												2,411
Total originated loans held-for-investment			3,198,532						12,499						3,211,031						2,658						3,213,689
Acquired loans:
Real estate loans:
One-to-four family residential
LTV < 60%
Pass			132,919						834						133,753						155						133,908
Special Mention			—						378						378						—						378
Substandard			—						—						—						221						221
Total			132,919						1,212						134,131						376						134,507
LTV => 60%
Pass			12,579						—						12,579						—						12,579
Substandard			—						—						—						93						93
Total			12,579						—						12,579						93						12,672
Total one-to-four family residential			145,498						1,212						146,710						469						147,179
Commercial
LTV < 35%
Pass			32,999						—						32,999						—						32,999
Special Mention			83						—						83						—						83
Substandard			591						—						591						266						857
Total			33,673						—						33,673						266						33,939
LTV => 35%
Pass			49,705						—						49,705						—						49,705
Special Mention			—						336						336						—						336
Substandard			6,822						1,601						8,423						5,878						14,301
Total			56,527						1,937						58,464						5,878						64,342
Total commercial			90,200						1,937						92,137						6,144						98,281
Construction and land
Pass			1,475						—						1,475						—						1,475
Total construction and land			1,475						—						1,475						—						1,475
Multifamily
LTV < 35%
Pass			92,794						—						92,794						—						92,794
Substandard			—						—						—						40						40
Total			92,794						—						92,794						40						92,834
LTV => 35%
Pass			2,609						—						2,609						—						2,609
Substandard			—						—						—						392						392
Total			2,609						—						2,609						392						3,001
Total multifamily			95,403						—						95,403						432						95,835
Home equity and lines of credit
Pass			9,467						408						9,875						—						9,875
Special Mention			$	46					$	—					$	46					$	—					$	46
Substandard			80						48						128						42						170
Total home equity and lines of credit			9,593						456						10,049						42						10,091
Commercial and industrial
Pass			7,995						—						7,995						—						7,995
Substandard			—						—						—						39						39
Total commercial and industrial			7,995						—						7,995						39						8,034
Total loans acquired			350,164						3,605						353,769						7,126						360,895
			$	3,548,696					$	16,104					$	3,564,800					$	9,784					$	3,574,584

			December 31, 2019
			Performing (Accruing) Loans
			0-29 Days Past Due						30-89 Days Past Due						Total						Non-Performing Loans						Total Loans Receivable, net
Loans held-for-investment:
Real estate loans:
Commercial
LTV < 35%
Pass			$	79,383					$	102					$	79,485					—						$	79,485
Special Mention			370						—						370						—						370
Total			79,753						102						79,855						—						79,855
LTV => 35%
Pass			439,253						812						440,065						—						440,065
Special Mention			1,092						—						1,092						—						1,092
Substandard			5,228						631						5,859						2,416						8,275
Total			445,573						1,443						447,016						2,416						449,432
Total commercial			525,326						1,545						526,871						2,416						529,287
One-to-four family residential
LTV < 60%
Pass			52,757						129						52,886						—						52,886
Special Mention			—						777						777						—						777
Substandard			790						—						790						607						1,397
Total			53,547						906						54,453						607						55,060
LTV => 60%
Pass			29,741						226						29,967						—						29,967
Substandard			299						—						299						29						328
Total			30,040						226						30,266						29						30,295
Total one-to-four family residential			83,587						1,132						84,719						636						85,355
Construction and land
Pass			38,156						147						38,303						—						38,303
Total construction and land			38,156						147						38,303						—						38,303
Multifamily
LTV < 35%
Pass			232,658						292						232,950						—						232,950
Substandard			301						—						301						—						301
Total			232,959						292						233,251						—						233,251
LTV => 35%
Pass			1,960,729						255						1,960,984						—						1,960,984
Special Mention			296						—						296						—						296
Substandard			5,203						—						5,203						—						5,203
Total			1,966,228						255						1,966,483						—						1,966,483
Total multifamily			2,199,187						547						2,199,734						—						2,199,734
Home equity and lines of credit
Pass			86,380						167						86,547						—						86,547
Special Mention			14						—						14						—						14
Substandard			131						—						131						156						287
Total home equity and lines of credit			86,525						167						86,692						156						86,848
Commercial and industrial loans
Pass			44,886						189						45,075						—						45,075
Special Mention			301						—						301						—						301
Substandard			80						—						80						—						80
Total commercial and industrial loans			45,267						189						45,456						—						45,456
Other loans - Pass			2,058						26						2,084						—						2,084
Total originated loans held-for-investment			2,980,106						3,753						2,983,859						3,208						2,987,067

			December 31, 2019
			Performing (Accruing) Loans
			0-29 Days Past Due						30-89 Days Past Due						Total						Non-Performing Loans						Total Loans Receivable, net
Loans Acquired
Real estate loans:
One-to-four family residential
LTV < 60%
Pass			172,882						73						172,955						—						172,955
Special Mention			—						385						385						—						385
Substandard			—						—						—						426						426
Total			172,882						458						173,340						426						173,766
LTV => 60%
Pass			14,116						—						14,116						—						14,116
Substandard			—						—						—						93						93
Total			14,116						—						14,116						93						14,209
Total one-to-four family residential			186,998						458						187,456						519						187,975
Commercial
LTV < 35%
Pass			35,173						287						35,460						—						35,460
Special Mention			994						194						1,188						—						1,188
Substandard			369						—						369						334						703
Total			36,536						481						37,017						334						37,351
LTV => 35%
Pass			60,311						—						60,311						—						60,311
Special Mention			134						464						598						—						598
Substandard			6,382						2,960						9,342						5,425						14,767
Total			66,827						3,424						70,251						5,425						75,676
Total commercial			103,363						3,905						107,268						5,759						113,027
Construction and land
Pass			2,537						—						2,537						—						2,537
Total construction and land			2,537						—						2,537						—						2,537
Multifamily
LTV < 35%
Pass			105,327						—						105,327						—						105,327
Substandard			—						—						—						40						40
Total			105,327						—						105,327						40						105,367
LTV => 35%
Pass			2,653						—						2,653						—						2,653
Substandard			—						—						—						397						397
Total			2,653						—						2,653						397						3,050
Total multifamily			107,980						—						107,980						437						108,417
Home equity and lines of credit
Pass			11,842						50						11,892						—						11,892
Substandard			88						—						88						28						116
Total home equity and lines of credit			11,930						50						11,980						28						12,008
Commercial and industrial loans
Pass			8,649						40						8,689						—						8,689
Total commercial and industrial loans			8,649						40						8,689						—						8,689
Other			—						—						—						—						—
Total loans acquired			421,457						4,453						425,910						6,743						432,653
			$	3,401,563					$	8,206					$	3,409,769					$	9,951					$	3,419,720

Summary of Impaired Loans

The following table summarizes originated and acquired impaired loans as of June 30, 2020, and December 31, 2019 (in thousands):

			June 30, 2020																														December 31, 2019
			Recorded Investment						Unpaid Principal Balance						Related Allowance						Recorded Investment						Unpaid Principal Balance						Related Allowance
With No Allowance Recorded:
Real estate loans:
Commercial
LTV < 35%
Substandard			$	79					$	218					$	—					$	—					$	139					$	—
LTV => 35%
Pass			3,629						4,378						—						5,582						6,468						—
Special Mention			511						648						—						—						—						—
Substandard			8,449						8,655						—						10,438						11,002						—
One-to-four family residential
LTV < 60%
Pass			1,057						1,145						—						1,379						1,463						—
Special Mention			378						378						—						385						385						—
Substandard			218						218						—						564						564						—
LTV => 60%
Pass			118						153						—						122						154						—
Substandard			25						25						—						29						29						—
Multifamily
LTV < 35%
Substandard			40						40						—						40						40						—
LTV => 35%
Pass			—						—						—						26						496						—
Special Mention			22						493						—						—						—						—
Substandard			611						611						—						972						972						—
Home equity and lines of credit
Pass			19						19						—						22						22						—
Commercial and industrial loans
Substandard			37						37						—						39						39						—
With a Related Allowance Recorded:
Real estate loans:
Commercial
LTV => 35%
Pass			1,318						1,318						(19)						—						—						—
Substandard			2,799						3,397						(288)						1,307						1,307						(135)
One-to-four family residential
LTV < 60%
Substandard			522						522						(4)						—						—						—
Home equity and lines of credit
Substandard			32						32						(4)						33						33						(3)
Commercial and industrial loans
Special Mention			17						17						(4)						19						19						(4)
Total:
Real estate loans
Commercial			16,785						18,614						(307)						17,327						18,916						(135)
One-to-four family residential			2,318						2,441						(4)						2,479						2,595						—
Multifamily			673						1,144						—						1,038						1,508						—
Home equity and lines of credit			51						51						(4)						55						55						(3)
Commercial and industrial loans			54						54						(4)						58						58						(4)
			$	19,881					$	22,304					$	(319)					$	20,957					$	23,132					$	(142)

The following table summarizes the average recorded investment in originated and acquired impaired loans (excluding PCI loans) and interest recognized on impaired loans as of, and for, the three and six months ended June 30, 2020, and June 30, 2019 (in thousands):

			Three Months Ended																																										Six Months Ended
			June 30, 2020																		June 30, 2019																		June 30, 2020																		June 30, 2019
			Average Recorded Investment						Interest Income						Average Recorded Investment						Interest Income						Average Recorded Investment						Interest Income						Average Recorded Investment						Interest Income
With No Allowance Recorded:
Real estate loans:
Commercial
LTV < 35%
Substandard			$	40					$	2					$	—											$	26					$	2					$	—
LTV => 35%
Pass			$	4,560					$	60					$	5,801					$	79					$	4,901					$	108					$	5,844					$	158
Special Mention			256						10						—												170						20						—						—
Substandard			9,666						119						10,979						57						9,923						156						11,373						129
Construction and Land
One-to-four family residential
LTV < 60%
Pass			1,210						13						1,812						22						1,266						29						1,719						44
Special Mention			380						5						—												382						11						—						—
Substandard			387						3						238						1						446						9						239						4
LTV => 60%
Pass			119						1						126						1						120						2						127						2
Substandard			26						—						124						3						27						—						125						6
Multifamily
LTV < 35%
Substandard			40						—						45						1						40						1						80						1
LTV => 35%
Pass			11						—						34						4						16						—						35						8
Special Mention			11						4						—												7						8						—						—
Substandard			792						14						1,100						16						852						22						1,143						35
Home equity and lines of credit
Pass			20						—						26						—						20						—						26						1
Commercial and industrial loans
Substandard			37						—						46												38						—						48						—
With a Related Allowance Recorded:
Real estate loans:
Commercial
LTV => 35%
Pass			659						17						—												439						33						—						—
Substandard			1,676						24						1,171						17						1,553						24						781						17
One-to-four family residential
LTV < 60%
Substandard			261						5						345						5						174						10						449						10
LTV => 60%
Multifamily
LTV => 35%
Home equity and lines of credit
Substandard			33						—						33												33						1						33						1
Commercial and industrial loans
Special Mention			18						—						20												18						—						20						—
Total:
Real estate loans
Commercial			16,857						232						17,951						153						17,012						343						17,998						304
One-to-four family residential			2,383						27						2,645						32						2,415						61						2,659						66
Multifamily			854						18						1,179						21						915						31						1,258						44
Home equity and lines of credit			53						—						59						—						53						1						59						2
Commercial and industrial loans			55						—						66						—						56						—						68						—
			$	20,202					$	277					$	21,900					$	206					$	20,451					$	436					$	22,042					$	416

Troubled Debt Restructurings on Financing Receivables

The following tables summarizes loans that were modified in a TDR during the six months ended June 30, 2020, and June 30, 2019:

			Six Months Ended June 30, 2020
			Number of Relationships						Pre-Modification Outstanding Recorded Investment						Post-Modification Outstanding Recorded Investment(1)
			(in thousands)
Troubled Debt Restructurings
Residential			1						$	187					$	187
Commercial real estate			2						544						544
Total Troubled Debt Restructurings			3						$	731					$	731
(1) Amounts are at time of modification

			Six Months Ended June 30, 2019
			Number of Relationships						Pre-Modification Outstanding Recorded Investment						Post-Modification Outstanding Recorded Investment(1)
			(in thousands)
Troubled Debt Restructurings
Consumer			1						$	2					$	2
Commercial real estate			1						2,834						2,834
Total Troubled Debt Restructurings			2						$	2,836					$	2,836
(1) Amounts are at time of modification

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