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Loans (Tables)
 12 Months Ended
Dec. 31, 2019
Receivables [Abstract]  
Summary of Loans, Net of Unearned Income
The Company’s loans, net of unearned income, consisted of the following as of December 31 of the years indicated.
(dollars in thousands)
20192018
Real estate loans:
One- to four-family first mortgage
$430,820  $450,363  
Home equity loans and lines
79,812  83,976  
Commercial real estate
722,807  640,575  
Construction and land
195,748  193,597  
Multi-family residential
54,869  54,455  
Total real estate loans
1,484,056  1,422,966  
Other loans:
Commercial and industrial
184,701  172,934  
Consumer
45,604  53,854  
Total other loans
230,305  226,788  
Total loans
$1,714,361  $1,649,754  
Schedule of Activity in Allowance for Loan Losses
A summary of activity in the Company’s allowance for loan losses for the years ended December 31, 2019, 2018 and 2017 is as follows.

For the Year Ended December 31, 2019
(dollars in thousands)
Beginning
Balance
Charge-offs
Recoveries
Provision
Ending
Balance
Originated loans:
Allowance for loan losses:
One- to four-family first mortgage
$1,937  $(4) $—  $113  $2,046  
Home equity loans and lines
1,031  (42) 16  49  1,054  
Commercial real estate
5,756  (360) —  785  6,181  
Construction and land
2,280  (6) —  146  2,420  
Multi-family residential
522  —  —  50  572  
Commercial and industrial
2,862  (888) 25  1,373  3,372  
Consumer
472  (128) 42  60  446  
Total allowance for loan losses
$14,860  $(1,428) $83  $2,576  $16,091  
Acquired loans:
Allowance for loan losses:
One- to four-family first mortgage
$199  $—  $—  $470  $669  
Home equity loans and lines
48  —  —  (18) 30  
Commercial real estate
369  —  —  (9) 360  
Construction and land
5  —  —  245  250  
Multi-family residential
28  —  —  (28) —  
Commercial and industrial
366  (5) —  (39) 322  
Consumer
473  (144) —  (183) 146  
Total allowance for loan losses
$1,488  $(149) $—  $438  $1,777  
For the Year Ended December 31, 2019
(dollars in thousands)
Beginning
Balance
Charge-offs
Recoveries
Provision
Ending
Balance
Total loans:
Allowance for loan losses:
One- to four-family first mortgage$2,136  $(4) $—  $583  $2,715  
Home equity loans and lines1,079  (42) 16  31  1,084  
Commercial real estate6,125  (360) —  776  6,541  
Construction and land2,285  (6) —  391  2,670  
Multi-family residential550  —  —  22  572  
Commercial and industrial3,228  (893) 25  1,334  3,694  
Consumer945  (272) 42  (123) 592  
Total allowance for loan losses
$16,348  $(1,577) $83  $3,014  $17,868  


For the Year Ended December 31, 2018
(dollars in thousands)
Beginning
Balance
Charge-offs
Recoveries
Provision
Ending
Balance
Originated loans:
Allowance for loan losses:
One- to four-family first mortgage
$1,574  $(1) $—  $364  $1,937  
Home equity loans and lines
1,024  —  5  2  1,031  
Commercial real estate
4,766  —  —  990  5,756  
Construction and land
1,742  —  —  538  2,280  
Multi-family residential
355  —  —  167  522  
Commercial and industrial
4,346  (2,506) 158  864  2,862  
Consumer
496  (74) 16  34  472  
Total allowance for loan losses
$14,303  $(2,581) $179  $2,959  $14,860  
Acquired loans:
Allowance for loan losses:
One- to four-family first mortgage
$89  $—  $—  $110  $199  
Home equity loans and lines
78  —  —  (30) 48  
Commercial real estate
140  —  —  229  369  
Construction and land
7  —  —  (2) 5  
Multi-family residential
—  —  —  28  28  
Commercial and industrial
184  —  —  182  366  
Consumer
6  —  —  467  473  
Total allowance for loan losses
$504  $—  $—  $984  $1,488  
Total loans:
Allowance for loan losses:
One- to four-family first mortgage
$1,663  $(1) $—  $474  $2,136  
Home equity loans and lines
1,102  —  5  (28) 1,079  
Commercial real estate
4,906  —  —  1,219  6,125  
Construction and land
1,749  —  —  536  2,285  
Multi-family residential
355  —  —  195  550  
Commercial and industrial
4,530  (2,506) 158  1,046  3,228  
Consumer
502  (74) 16  501  945  
Total allowance for loan losses
$14,807  $(2,581) $179  $3,943  $16,348  
For the Year Ended December 31, 2017
(dollars in thousands)Beginning
Balance		Charge-offsRecoveriesProvisionEnding
Balance
Originated loans:
Allowance for loan losses:
One- to four-family first mortgage$1,436  $(29) $—  $167  $1,574  
Home equity loans and lines654  (10) 20  360  1,024  
Commercial real estate4,177  (3) —  592  4,766  
Construction and land1,763  —  —  (21) 1,742  
Multi-family residential361  —  —  (6) 355  
Commercial and industrial3,316  (358) 408  980  4,346  
Consumer513  (64) 15  32  496  
Total allowance for loan losses$12,220  $(464) $443  $2,104  $14,303  
Acquired loans:
Allowance for loan losses:
One- to four-family first mortgage
$75  $—  $—  $14  $89  
Home equity loans and lines
74  —  —  4  78  
Commercial real estate
—  —  —  140  140  
Construction and land
19  —  —  (12) 7  
Multi-family residential
—  —  —  —  —  
Commercial and industrial
123  —  —  61  184  
Consumer
—  —  —  6  6  
Total allowance for loan losses
$291  $—  $—  $213  $504  
Total loans:
Allowance for loan losses:
One- to four-family first mortgage
$1,511  $(29) $—  $181  $1,663  
Home equity loans and lines
728  (10) 20  364  1,102  
Commercial real estate
4,177  (3) —  732  4,906  
Construction and land
1,782  —  —  (33) 1,749  
Multi-family residential
361  —  —  (6) 355  
Commercial and industrial
3,439  (358) 408  1,041  4,530  
Consumer
513  (64) 15  38  502  
Total allowance for loan losses
$12,511  $(464) $443  $2,317  $14,807  
Allowance for Loan Losses and Recorded Investment in Loans
The Company’s allowance for loan losses and recorded investment in loans as of the dates indicated is as follows.

As of December 31, 2019
Originated Loans
(dollars in thousands)
Collectively
Evaluated
for
Impairment
Individually
Evaluated
for
Impairment
Acquired
Loans
Total
Allowance for loan losses:
One- to four-family first mortgage
$2,046  $—  $669  $2,715  
Home equity loans and lines
706  348  30  1,084  
Commercial real estate
5,883  298  360  6,541  
Construction and land
2,420  —  250  2,670  
Multi-family residential
572  —  —  572  
Commercial and industrial
2,671  701  322  3,694  
Consumer
446  —  146  592  
Total allowance for loan losses
$14,744  $1,347  $1,777  $17,868  

As of December 31, 2019
Originated Loans
(dollars in thousands)
Collectively
Evaluated
for
Impairment
Individually
Evaluated
for
Impairment
Acquired
Loans (1)
Total
Loans:
One- to four-family first mortgage
$251,159  $187  $179,474  $430,820  
Home equity loans and lines
56,180  784  22,848  79,812  
Commercial real estate
522,621  6,518  193,668  722,807  
Construction and land
173,687  —  22,061  195,748  
Multi-family residential
48,661  —  6,208  54,869  
Commercial and industrial
154,501  1,223  28,977  184,701  
Consumer
35,680  —  9,924  45,604  
Total loans
$1,242,489  $8,712  $463,160  $1,714,361  

As of December 31, 2018
Originated Loans
(dollars in thousands)
Collectively
Evaluated
for
Impairment
Individually
Evaluated
for
Impairment
Acquired
Loans
Total
Allowance for loan losses:
One- to four-family first mortgage
$1,937  $—  $199  $2,136  
Home equity loans and lines
682  349  48  1,079  
Commercial real estate
5,272  484  369  6,125  
Construction and land
2,280  —  5  2,285  
Multi-family residential
522  —  28  550  
Commercial and industrial
2,541  321  366  3,228  
Consumer
472  —  473  945  
Total allowance for loan losses
$13,706  $1,154  $1,488  $16,348  
As of December 31, 2018
Originated Loans
(dollars in thousands)
Collectively
Evaluated
for
Impairment
Individually
Evaluated
for
Impairment
Acquired
Loans (1)
Total
Loans:
One- to four-family first mortgage
$227,602  $—  $222,761  $450,363  
Home equity loans and lines
53,049  866  30,061  83,976  
Commercial real estate
432,217  7,059  201,299  640,575  
Construction and land
161,232  —  32,365  193,597  
Multi-family residential
42,222  —  12,233  54,455  
Commercial and industrial
131,250  1,952  39,732  172,934  
Consumer
37,711  —  16,143  53,854  
Total loans
$1,085,283  $9,877  $554,594  $1,649,754  
_______________
(1)$7.4 million and $10.0 million in acquired loans were accounted for under ASC 310-30 at December 31, 2019 and 2018, respectively.
Schedule of Credit Quality Indicators of Loan Portfolio
Credit quality indicators on the Company’s loan portfolio as of the dates indicated are as follows.


December 31, 2019
(dollars in thousands)
Pass
Special Mention
Substandard
Doubtful
Total
Originated loans:
One- to four-family first mortgage$248,483  $730  $2,133  $—  $251,346  
Home equity loans and lines56,029  53  882  —  56,964  
Commercial real estate517,615  207  11,317  —  529,139  
Construction and land164,310  8,107  1,270  —  173,687  
Multi-family residential48,661  —  —  —  48,661  
Commercial and industrial153,286  —  2,438  —  155,724  
Consumer35,545  46  89  —  35,680  
Total originated loans$1,223,929  $9,143  $18,129  $—  $1,251,201  
Acquired loans:
One- to four-family first mortgage$173,482  $1,429  $4,563  $—  $179,474  
Home equity loans and lines22,370  128  350  —  22,848  
Commercial real estate181,090  1,593  10,985  —  193,668  
Construction and land19,877  747  1,437  —  22,061  
Multi-family residential5,487  502  219  —  6,208  
Commercial and industrial24,856  56  4,065  —  28,977  
Consumer9,668  166  90  —  9,924  
Total acquired loans$436,830  $4,621  $21,709  $—  $463,160  
December 31, 2019
(dollars in thousands)
Pass
Special Mention
Substandard
Doubtful
Total
Total loans:
One- to four-family first mortgage$421,965  $2,159  $6,696  $—  $430,820  
Home equity loans and lines78,399  181  1,232  —  79,812  
Commercial real estate698,705  1,800  22,302  —  722,807  
Construction and land184,187  8,854  2,707  —  195,748  
Multi-family residential54,148  502  219  —  54,869  
Commercial and industrial178,142  56  6,503  —  184,701  
Consumer45,213  212  179  —  45,604  
Total loans$1,660,759  $13,764  $39,838  $—  $1,714,361  

December 31, 2018
(dollars in thousands)
Pass
Special
Mention
Substandard
Doubtful
Total
Originated loans:
One- to four-family first mortgage
$221,930  $1,852  $3,820  $—  $227,602  
Home equity loans and lines
52,344  69  1,502  —  53,915  
Commercial real estate
425,851  4,463  8,962  —  439,276  
Construction and land
159,428  —  1,804  —  161,232  
Multi-family residential
42,222  —  —  —  42,222  
Commercial and industrial
126,126  1,717  5,359  —  133,202  
Consumer
37,312  126  273  —  37,711  
Total originated loans
$1,065,213  $8,227  $21,720  $—  $1,095,160  
Acquired loans:
One- to four-family first mortgage
$213,199  $2,474  $7,088  $—  $222,761  
Home equity loans and lines
29,451  270  340  —  30,061  
Commercial real estate
183,514  5,189  12,596  —  201,299  
Construction and land
30,005  917  1,443  —  32,365  
Multi-family residential
11,401  582  250  —  12,233  
Commercial and industrial
35,918  1,376  2,438  —  39,732  
Consumer
15,521  262  360  —  16,143  
Total acquired loans
$519,009  $11,070  $24,515  $—  $554,594  
Total loans:
One- to four-family first mortgage
$435,129  $4,326  $10,908  $—  $450,363  
Home equity loans and lines
81,795  339  1,842  —  83,976  
Commercial real estate
609,365  9,652  21,558  —  640,575  
Construction and land
189,433  917  3,247  —  193,597  
Multi-family residential
53,623  582  250  —  54,455  
Commercial and industrial
162,044  3,093  7,797  —  172,934  
Consumer
52,833  388  633  —  53,854  
Total loans
$1,584,222  $19,297  $46,235  $—  $1,649,754  
Schedule of Past Due Loans
Age analysis of past due loans, as of the dates indicated, is as follows.
December 31, 2019
(dollars in thousands)30-59
Days
Past
Due		60-89
Days
Past
Due		Greater
Than
90 Days
Past
Due		Total
Past
Due		Current
Loans		Total
Loans
Originated loans:
Real estate loans:
One- to four-family first mortgage$1,524  $173  $967  $2,664  $248,682  $251,346  
Home equity loans and lines174  —  98  272  56,692  56,964  
Commercial real estate1,124  1,448  8,056  10,628  518,511  529,139  
Construction and land—  —  1,171  1,171  172,516  173,687  
Multi-family residential—  —  —  —  48,661  48,661  
Total real estate loans2,822  1,621  10,292  14,735  1,045,062  1,059,797  
Other loans:
Commercial and industrial213  100  869  1,182  154,542  155,724  
Consumer533  57  34  624  35,056  35,680  
Total other loans746  157  903  1,806  189,598  191,404  
Total originated loans$3,568  $1,778  $11,195  $16,541  $1,234,660  $1,251,201  
Acquired loans:
Real estate loans:
One- to four-family first mortgage$4,555  $1,116  $1,108  $6,779  $172,695  $179,474  
Home equity loans and lines267  93  330  690  22,158  22,848  
Commercial real estate337  466  1,945  2,748  190,920  193,668  
Construction and land413  —  1,170  1,583  20,478  22,061  
Multi-family residential—  —  —  —  6,208  6,208  
Total real estate loans5,572  1,675  4,553  11,800  412,459  424,259  
Other loans:
Commercial and industrial3  57  792  852  28,125  28,977  
Consumer259  127  60  446  9,478  9,924  
Total other loans262  184  852  1,298  37,603  38,901  
Total acquired loans$5,834  $1,859  $5,405  $13,098  $450,062  $463,160  
December 31, 2019
(dollars in thousands)30-59
Days
Past
Due		60-89
Days
Past
Due		Greater
Than
90 Days
Past
Due		Total
Past
Due		Current
Loans		Total
Loans
Total loans:
Real estate loans:
One- to four-family first mortgage$6,079  $1,289  $2,075  $9,443  $421,377  $430,820  
Home equity loans and lines441  93  428  962  78,850  79,812  
Commercial real estate1,461  1,914  10,001  13,376  709,431  722,807  
Construction and land413  —  2,341  2,754  192,994  195,748  
Multi-family residential—  —  —  —  54,869  54,869  
Total real estate loans8,394  3,296  14,845  26,535  1,457,521  1,484,056  
Other loans:
Commercial and industrial216  157  1,661  2,034  182,667  184,701  
Consumer792  184  94  1,070  44,534  45,604  
Total other loans1,008  341  1,755  3,104  227,201  230,305  
Total loans$9,402  $3,637  $16,600  $29,639  $1,684,722  $1,714,361  

December 31, 2018
(dollars in thousands)
30-59
Days
Past
Due
60-89
Days
Past
Due
Greater
Than
90 Days
Past
Due
Total
Past
Due
Current
Loans
Total
Loans
Originated loans:
Real estate loans:
One- to four-family first mortgage$3,913  $270  $64  $4,247  $223,355  $227,602  
Home equity loans and lines326  61  41  428  53,487  53,915  
Commercial real estate714  34  168  916  438,360  439,276  
Construction and land576  —  740  1,316  159,916  161,232  
Multi-family residential—  —  —  —  42,222  42,222  
Total real estate loans5,529  365  1,013  6,907  917,340  924,247  
Other loans:
Commercial and industrial362  1,369  265  1,996  131,206  133,202  
Consumer319  131  196  646  37,065  37,711  
Total other loans681  1,500  461  2,642  168,271  170,913  
Total originated loans$6,210  $1,865  $1,474  $9,549  $1,085,611  $1,095,160  
December 31, 2018
(dollars in thousands)
30-59
Days
Past
Due
60-89
Days
Past
Due
Greater
Than
90 Days
Past
Due
Total
Past
Due
Current
Loans
Total
Loans
Acquired loans:
Real estate loans:
One- to four-family first mortgage$4,196  $1,258  $3,702  $9,156  $213,605  $222,761  
Home equity loans and lines462  116  163  741  29,320  30,061  
Commercial real estate3,104  265  1,143  4,512  196,787  201,299  
Construction and land1,050  488  813  2,351  30,014  32,365  
Multi-family residential84  —  —  84  12,149  12,233  
Total real estate loans8,896  2,127  5,821  16,844  481,875  498,719  
Other loans:
Commercial and industrial4,315  109  329  4,753  34,979  39,732  
Consumer357  277  262  896  15,247  16,143  
Total other loans4,672  386  591  5,649  50,226  55,875  
Total acquired loans$13,568  $2,513  $6,412  $22,493  $532,101  $554,594  
Total loans:
Real estate loans:
One- to four-family first mortgage$8,109  $1,528  $3,766  $13,403  $436,960  $450,363  
Home equity loans and lines788  177  204  1,169  82,807  83,976  
Commercial real estate3,818  299  1,311  5,428  635,147  640,575  
Construction and land1,626  488  1,553  3,667  189,930  193,597  
Multi-family residential84  —  —  84  54,371  54,455  
Total real estate loans14,425  2,492  6,834  23,751  1,399,215  1,422,966  
Other loans:
Commercial and industrial4,677  1,478  594  6,749  166,185  172,934  
Consumer676  408  458  1,542  52,312  53,854  
Total other loans5,353  1,886  1,052  8,291  218,497  226,788  
Total loans$19,778  $4,378  $7,886  $32,042  $1,617,712  $1,649,754  
Summary of Information Pertaining to Impaired Loans Excluding Acquired Loans The following is a summary of information pertaining to the Company’s impaired loans, excluding acquired loans, as of the dates indicated.
For the Year Ended December 31, 2019
(dollars in thousands)
Recorded
Investment
Unpaid
Principal
Balance
Related
Allowance
Average
Recorded
Investment
Interest
Income
Recognized
With no related allowance recorded:
One- to four-family first mortgage$187  $187  $—  $109  $—  
Home equity loans and lines404  450  —  418  —  
Commercial real estate19  21  —  41  —  
Construction and land—  —  —  —  —  
Multi-family residential—  —  —  —  —  
Commercial and industrial291  329  —  1,063  —  
Consumer—  —  —  —  —  
Total$901  $987  $—  $1,631  $—  
With an allowance recorded:
One- to four-family first mortgage$—  $—  $—  $—  $—  
Home equity loans and lines380  425  348  400  —  
Commercial real estate6,499  6,587  298  6,639  15  
Construction and land—  —  —  —  —  
Multi-family residential—  —  —  —  —  
Commercial and industrial932  1,214  701  566  —  
Consumer—  —  —  —  —  
Total$7,811  $8,226  $1,347  $7,605  $15  
Total impaired loans:
One- to four-family first mortgage$187  $187  $—  $109  $—  
Home equity loans and lines784  875  348  818  —  
Commercial real estate6,518  6,608  298  6,680  15  
Construction and land—  —  —  —  —  
Multi-family residential—  —  —  —  —  
Commercial and industrial1,223  1,543  701  1,629  —  
Consumer—  —  —  —  —  
Total$8,712  $9,213  $1,347  $9,236  $15  

For the Year Ended December 31, 2018
(dollars in thousands)
Recorded
Investment
Unpaid
Principal
Balance
Related
Allowance
Average
Recorded
Investment
Interest
Income
Recognized
With no related allowance recorded:
One- to four-family first mortgage$—  $—  $—  $—  $—  
Home equity loans and lines441  476  —  454  —  
Commercial real estate149  161  —  32  7  
Construction and land—  —  —  —  —  
Multi-family residential—  —  —  —  —  
Commercial and industrial1,540  1,904  —  438  —  
Consumer—  —  —  —  —  
Total$2,130  $2,541  $—  $924  $7  
For the Year Ended December 31, 2018
(dollars in thousands)
Recorded
Investment
Unpaid
Principal
Balance
Related
Allowance
Average
Recorded
Investment
Interest
Income
Recognized
With an allowance recorded:
One- to four-family first mortgage$—  $—  $—  $—  $—  
Home equity loans and lines425  457  349  440  —  
Commercial real estate6,910  6,910  484  2,057  38  
Construction and land—  —  —  —  —  
Multi-family residential—  —  —  —  —  
Commercial and industrial412  442  321  1,367  1  
Consumer—  —  —  —  —  
Total$7,747  $7,809  $1,154  $3,864  $39  
Total impaired loans:
One- to four-family first mortgage$—  $—  $—  $—  $—  
Home equity loans and lines866  933  349  894  —  
Commercial real estate7,059  7,071  484  2,089  45  
Construction and land—  —  —  —  —  
Multi-family residential—  —  —  —  —  
Commercial and industrial1,952  2,346  321  1,805  1  
Consumer—  —  —  —  —  
Total$9,877  $10,350  $1,154  $4,788  $46  

 
For the Year Ended December 31, 2017
(dollars in thousands)
Recorded
Investment
Unpaid
Principal
Balance
Related
Allowance
Average
Recorded
Investment
Interest
Income
Recognized
With no related allowance recorded:
One- to four-family first mortgage
$—  $—  $—  $—  $—  
Home equity loans and lines
470  476  —  395  1  
Commercial real estate
22  32  —  19  —  
Construction and land
—  —  —  —  —  
Multi-family residential
—  —  —  —  —  
Commercial and industrial
428  434  —  2,849  2  
Consumer
—  —  —  —  —  
Total
$920  $942  $—  $3,263  $3  
With an allowance recorded:
One- to four-family first mortgage
$—  $—  $—  $42  $—  
Home equity loans and lines
455  461  348  383  1  
Commercial real estate
—  —  —  296  —  
Construction and land
—  —  —  —  —  
Multi-family residential
—  —  —  —  —  
Commercial and industrial
2,084  2,157  1,625  1,985  52  
Consumer
—  —  —  —  —  
Total
$2,539  $2,618  $1,973  $2,706  $53  
 
For the Year Ended December 31, 2017
(dollars in thousands)
Recorded
Investment
Unpaid
Principal
Balance
Related
Allowance
Average
Recorded
Investment
Interest
Income
Recognized
Total impaired loans:
One- to four-family first mortgage
$—  $—  $—  $42  $—  
Home equity loans and lines
925  937  348  778  2  
Commercial real estate
22  32  —  315  —  
Construction and land
—  —  —  —  —  
Multi-family residential
—  —  —  —  —  
Commercial and industrial
2,512  2,591  1,625  4,834  54  
Consumer
—  —  —  —  —  
Total
$3,459  $3,560  $1,973  $5,969  $56  
Summary of Information Pertaining to Nonaccrual Noncovered Loans A summary of information pertaining to the Company’s nonaccrual loans as of December 31, 2019 and 2018 is as follows.
December 31, 2019December 31, 2018
(dollars in thousands)
Originated
Acquired (1)
Total
Originated
Acquired (1)
Total 
Nonaccrual loans:
One- to four-family first mortgage
$2,133  $1,815  $3,948  $1,984  $3,188  $5,172  
Home equity loans and lines
883  361  1,244  1,457  242  1,699  
Commercial real estate
8,750  4,575  13,325  7,940  3,403  11,343  
Construction and land
1,170  1,299  2,469  740  854  1,594  
Multi-family residential
—  —  —  —  —  —  
Commercial and industrial
1,603  1,621  3,224  2,986  1,002  3,988  
Consumer
89  87  176  273  343  616  
Total
$14,628  $9,758  $24,386  $15,380  $9,032  $24,412  
_______________
(1)Table excludes acquired loans which were being accounted for under ASC 310-30 because they continue to earn interest from accretable yield regardless of their past due status or otherwise resulting in noncompliance with their contractual terms. Acquired loans with deteriorated credit quality, which were being accounted for under ASC 310-30 and which were 90 days or more past due, totaled $2.2 million and $1.7 million as of December 31, 2019 and 2018, respectively.
Information about the Company's TDRs
Information about the Company’s TDRs is presented in the following tables.
As of December 31, 2019
(dollars in thousands)
Current
Past Due
Greater Than
30 Days
Nonaccrual
TDRs
Total
TDRs
Originated loans:
Real estate loans:
One- to four-family first mortgage
$671  $82  $1,370  $2,123  
Home equity loans and lines
235  53  36  324  
Commercial real estate
670  —  5,824  6,494  
Construction and land
100  —  —  100  
Multi-family residential
—  —  —  —  
Total real estate loans
1,676  135  7,230  9,041  
Other loans:
Commercial and industrial
—  —  303  303  
Consumer
92  —  54  146  
Total other loans
92  —  357  449  
Total loans
$1,768  $135  $7,587  $9,490  
As of December 31, 2019
(dollars in thousands)
Current
Past Due
Greater Than
30 Days
Nonaccrual
TDRs
Total
TDRs
Acquired loans:
Real estate loans:
One- to four-family first mortgage
$365  $—  $617  $982  
Home equity loans and lines
—  —  20  20  
Commercial real estate
90  —  194  284  
Construction and land
—  —  —  —  
Multi-family residential
—  —  —  —  
Total real estate loans
455  —  831  1,286  
Other loans:
Commercial and industrial
—  —  1,362  1,362  
Consumer
20  —  25  45  
Total other loans
20  —  1,387  1,407  
Total loans
$475  $—  $2,218  $2,693  
Total loans:
Real estate loans:
One- to four-family first mortgage
$1,036  $82  $1,987  $3,105  
Home equity loans and lines
235  53  56  344  
Commercial real estate
760  —  6,018  6,778  
Construction and land
100  —  —  100  
Multi-family residential
—  —  —  —  
Total real estate loans
2,131  135  8,061  10,327  
Other loans:
Commercial and industrial
—  —  1,665  1,665  
Consumer
112  —  79  191  
Total other loans
112  —  1,744  1,856  
Total loans
$2,243  $135  $9,805  $12,183  

As of December 31, 2018
(dollars in thousands)
Current
Past Due
Greater Than
30 Days
Nonaccrual
TDRs
Total
TDRs
Originated loans:
Real estate loans:
One- to four-family first mortgage
$218  $—  $1,920  $2,138  
Home equity loans and lines
—  44  565  609  
Commercial real estate
722  —  7,293  8,015  
Construction and land
133  —  —  133  
Multi-family residential
—  —  —  —  
Total real estate loans
1,073  44  9,778  10,895  
Other loans:
Commercial and industrial
—  —  424  424  
Consumer
—  —  77  77  
Total other loans
—  —  501  501  
Total loans
$1,073  $44  $10,279  $11,396  
As of December 31, 2018
(dollars in thousands)
Current
Past Due
Greater Than
30 Days
Nonaccrual
TDRs
Total
TDRs
Acquired loans:
Real estate loans:
One- to four-family first mortgage
$214  $—  $647  $861  
Home equity loans and lines
—  —  66  66  
Commercial real estate
—  —  2,682  2,682  
Construction and land
—  —  —  —  
Multi-family residential
—  —  —  —  
Total real estate loans
214  —  3,395  3,609  
Other loans:
Commercial and industrial
68  —  740  808  
Consumer
7  —  35  42  
Total other loans
75  —  775  850  
Total loans
$289  $—  $4,170  $4,459  
Total loans:
Real estate loans:
One- to four-family first mortgage
$432  $—  $2,567  $2,999  
Home equity loans and lines
—  44  631  675  
Commercial real estate
722  —  9,975  10,697  
Construction and land
133  —  —  133  
Multi-family residential
—  —  —  —  
Total real estate loans
1,287  44  13,173  14,504  
Other loans:
Commercial and industrial
68  —  1,164  1,232  
Consumer
7  —  112  119  
Total other loans
75  —  1,276  1,351  
Total loans
$1,362  $44  $14,449  $15,855  
Summary of Information Pertaining to Loans Modified
A summary of information pertaining to loans modified as of the periods indicated is as follows.

For the Year Ended December 31
20192018
(dollars in thousands)
Number of
Contracts
Pre-
modification
Outstanding
Recorded
Investment
Post-
modification
Outstanding
Recorded
Investment
Number of
Contracts
Pre-
modification
Outstanding
Recorded
Investment
Post-
modification
Outstanding
Recorded
Investment
Troubled debt restructurings:
One- to four-family first mortgage
6  $932  $919  8  $3,195  $1,974  
Home equity loans and lines
—  —  —  —  —  —  
Commercial real estate
2  193  192  5  10,105  9,603  
Construction and land
—  —  —  —  —  —  
Multi-family residential
—  —  —  —  —  —  
Commercial and industrial
18  842  820  2  697  635  
Other consumer
6  78  70  4  44  42  
Total
32  $2,045  $2,001  19  $14,041  $12,254