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Loans Receivable (Tables) | 6 Months Ended
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Dec. 31, 2022
Receivables [Abstract] |
Schedule of Loans Receivable | The following table sets forth the composition of the Company’s loan portfolio at December 31, 2022 and June 30, 2022:
| December 31, 2022 |  | June 30, 2022
| (In Thousands)
Commercial loans: |  |  |
Multi-family mortgage | $ | 2,851,721 |  |  | $ | 2,409,090 |
Nonresidential mortgage | 1,017,341 |  |  | 1,019,838 |
Commercial business | 177,530 |  |  | 176,807 |
Construction | 186,663 |  |  | 140,131 |
Total commercial loans | 4,233,255 |  |  | 3,745,866 |
One- to four-family residential mortgage | 1,719,514 |  |  | 1,645,816 |
Consumer loans: |  |  |
Home equity loans | 45,690 |  |  | 42,028 |
Other consumer | 2,648 |  |  | 2,866 |
Total consumer loans | 48,338 |  |  | 44,894 |
Total loans | 6,001,107 |  |  | 5,436,576 |
Unaccreted yield adjustments (1) | (16,974) |  |  | (18,731) |
Total loans receivable, net of yield adjustments | $ | 5,984,133 |  |  | $ | 5,417,845 |
___________________________ (1)At December 31, 2022, included a fair value adjustment to the carrying amount of hedged one- to four-family residential mortgage loans.
Contractual Payment Status of Past Loans Receivable | The following tables present the payment status of past due loans as of December 31, 2022 and June 30, 2022, by loan segment:
| Payment Status December 31, 2022
| 30-59 Days |  | 60-89 Days |  | 90 Days and Over |  | Total Past Due |  | Current |  | Total
| (In Thousands)
Multi-family mortgage | $ | — |  |  | $ | — |  |  | $ | 7,663 |  |  | $ | 7,663 |  |  | $ | 2,844,058 |  |  | $ | 2,851,721 |
Nonresidential mortgage | 204 |  |  | — |  |  | 5,696 |  |  | 5,900 |  |  | 1,011,441 |  |  | 1,017,341 |
Commercial business | 204 |  |  | — |  |  | 265 |  |  | 469 |  |  | 177,061 |  |  | 177,530 |
Construction | — |  |  | — |  |  | — |  |  | — |  |  | 186,663 |  |  | 186,663 |
One- to four-family residential mortgage | 3,634 |  |  | 1,775 |  |  | 1,979 |  |  | 7,388 |  |  | 1,712,126 |  |  | 1,719,514 |
Home equity loans | 151 |  |  | 4 |  |  | 23 |  |  | 178 |  |  | 45,512 |  |  | 45,690 |
Other consumer | — |  |  | — |  |  | — |  |  | — |  |  | 2,648 |  |  | 2,648 |
Total loans | $ | 4,193 |  |  | $ | 1,779 |  |  | $ | 15,626 |  |  | $ | 21,598 |  |  | $ | 5,979,509 |  |  | $ | 6,001,107 |
| Payment Status June 30, 2022
| 30-59 Days |  | 60-89 Days |  | 90 Days and Over |  | Total Past Due |  | Current |  | Total
| (In Thousands)
Multi-family mortgage | $ | 3,148 |  |  | $ | 3,056 |  |  | $ | 7,788 |  |  | $ | 13,992 |  |  | $ | 2,395,098 |  |  | $ | 2,409,090 |
Nonresidential mortgage | 4,026 |  |  | — |  |  | 18,132 |  |  | 22,158 |  |  | 997,680 |  |  | 1,019,838 |
Commercial business | 98 |  |  | 57 |  |  | 155 |  |  | 310 |  |  | 176,497 |  |  | 176,807 |
Construction | — |  |  | — |  |  | — |  |  | — |  |  | 140,131 |  |  | 140,131 |
One- to four-family residential mortgage | 1,525 |  |  | 253 |  |  | 3,455 |  |  | 5,233 |  |  | 1,640,583 |  |  | 1,645,816 |
Home equity loans | 28 |  |  | 35 |  |  | — |  |  | 63 |  |  | 41,965 |  |  | 42,028 |
Other consumer | — |  |  | — |  |  | — |  |  | — |  |  | 2,866 |  |  | 2,866 |
Total loans | $ | 8,825 |  |  | $ | 3,401 |  |  | $ | 29,530 |  |  | $ | 41,756 |  |  | $ | 5,394,820 |  |  | $ | 5,436,576 |
Performance Status of Loans Receivable | The following tables present information relating to the Company’s nonperforming loans as of December 31, 2022 and June 30, 2022:
| Performance Status December 31, 2022
| 90 Days and Over Past Due Accruing |  | Nonaccrual Loans with Allowance for Credit Losses |  | Nonaccrual Loans with no Allowance for Credit Losses |  | Total Nonperforming |  | Performing |  | Total
| (In Thousands)
Multi-family mortgage | $ | — |  |  | $ | 7,890 |  |  | $ | 8,381 |  |  | $ | 16,271 |  |  | $ | 2,835,450 |  |  | $ | 2,851,721 |
Nonresidential mortgage | — |  |  | 12,187 |  |  | 5,696 |  |  | 17,883 |  |  | 999,458 |  |  | 1,017,341 |
Commercial business | — |  |  | 262 |  |  | 10 |  |  | 272 |  |  | 177,258 |  |  | 177,530 |
Construction | — |  |  | — |  |  | — |  |  | — |  |  | 186,663 |  |  | 186,663 |
One- to four-family residential mortgage | — |  |  | 2,916 |  |  | 3,121 |  |  | 6,037 |  |  | 1,713,477 |  |  | 1,719,514 |
Home equity loans | — |  |  | — |  |  | 86 |  |  | 86 |  |  | 45,604 |  |  | 45,690 |
Other consumer | — |  |  | — |  |  | — |  |  | — |  |  | 2,648 |  |  | 2,648 |
Total loans | $ | — |  |  | $ | 23,255 |  |  | $ | 17,294 |  |  | $ | 40,549 |  |  | $ | 5,960,558 |  |  | $ | 6,001,107 |
| Performance Status June 30, 2022
| 90 Days and Over Past Due Accruing |  | Nonaccrual Loans with Allowance for Credit Losses |  | Nonaccrual Loans with no Allowance for Credit Losses |  | Total Nonperforming |  | Performing |  | Total
| (In Thousands)
Multi-family mortgage | $ | — |  |  | $ | 8,367 |  |  | $ | 18,286 |  |  | $ | 26,653 |  |  | $ | 2,382,437 |  |  | $ | 2,409,090 |
Nonresidential mortgage | — |  |  | 12,602 |  |  | 19,292 |  |  | 31,894 |  |  | 987,944 |  |  | 1,019,838 |
Commercial business | — |  |  | 212 |  |  | 81 |  |  | 293 |  |  | 176,514 |  |  | 176,807 |
Construction | — |  |  | — |  |  | 1,561 |  |  | 1,561 |  |  | 138,570 |  |  | 140,131 |
One- to four-family residential mortgage | — |  |  | 3,543 |  |  | 4,946 |  |  | 8,489 |  |  | 1,637,327 |  |  | 1,645,816 |
Home equity loans | — |  |  | 302 |  |  | 1,129 |  |  | 1,431 |  |  | 40,597 |  |  | 42,028 |
Other consumer | — |  |  | — |  |  | — |  |  | — |  |  | 2,866 |  |  | 2,866 |
Total loans | $ | — |  |  | $ | 25,026 |  |  | $ | 45,295 |  |  | $ | 70,321 |  |  | $ | 5,366,255 |  |  | $ | 5,436,576 |
Troubled Debt Restructurings of Loans Receivable | The following tables present total TDR loans at December 31, 2022 and June 30, 2022:
| December 31, 2022
| Accrual |  | Non-accrual |  | Total
| # of Loans |  | Amount |  | # of Loans |  | Amount |  | # of Loans |  | Amount
| (Dollars In Thousands)
Commercial loans: |  |  |  |  |  |  |  |  |  |  |
Multi-family mortgage | — |  | $ | — |  |  | 2 |  | $ | 5,539 |  |  | 2 |  | $ | 5,539 |
Nonresidential mortgage | 3 |  | 184 |  |  | 1 |  | 390 |  |  | 4 |  | 574 |
Commercial business | 4 |  | 3,529 |  |  | 1 |  | 7 |  |  | 5 |  | 3,536 |
Total commercial loans | 7 |  | 3,713 |  | 4 |  | 5,936 |  | 11 |  | 9,649
One- to four-family residential mortgage | 35 |  | 6,394 |  |  | 11 |  | 1,921 |  |  | 46 |  | 8,315 |
Consumer loans: |  |  |  |  |  |  |  |  |  |  |
Home equity loans | 5 |  | 374 |  |  | 1 |  | 35 |  |  | 6 |  | 409 |
Total | 47 |  | $ | 10,481 |  |  | 16 |  | $ | 7,892 |  |  | 63 |  | $ | 18,373 |
| June 30, 2022
| Accrual |  | Non-accrual |  | Total
| # of Loans |  | Amount |  | # of Loans |  | Amount |  | # of Loans |  | Amount
| (Dollars In Thousands)
Commercial loans: |  |  |  |  |  |  |  |  |  |  |
Multi-family mortgage | — |  | $ | — |  |  | 2 |  | $ | 5,626 |  |  | 2 |  | $ | 5,626 |
Nonresidential mortgage | 4 |  | 389 |  |  | 2 |  | 1,565 |  |  | 6 |  | 1,954 |
Commercial business | 5 |  | 3,631 |  |  | 2 |  | 82 |  |  | 7 |  | 3,713 |
Construction | — |  | — |  |  | 1 |  | 1,561 |  |  | 1 |  | 1,561 |
Total commercial loans | 9 |  | 4,020 |  |  | 7 |  | 8,834 |  |  | 16 |  | 12,854 |
One- to four-family residential mortgage | 29 |  | 4,488 |  |  | 16 |  | 3,314 |  |  | 45 |  | 7,802 |
Consumer loans: |  |  |  |  |  |  |  |  |  |  |
Home equity loans | 5 |  | 164 |  |  | 2 |  | 1,364 |  |  | 7 |  | 1,528 |
Total | 43 |  | $ | 8,672 |  |  | 25 |  | $ | 13,512 |  |  | 68 |  | $ | 22,184 |
The following tables present information regarding TDRs that occurred during the three months and six months ended December 31, 2022 and 2021:
| Three Months Ended December 31, 2022 |  | Three Months Ended December 31, 2021
| # of Loans |  | Pre- modification Recorded Investment |  | Post- modification Recorded Investment |  | # of Loans |  | Pre- modification Recorded Investment |  | Post- modification Recorded Investment
| (Dollars In Thousands)
Commercial business | 1 |  | $ | 7 |  |  | $ | 7 |  |  | — |  | $ | — |  |  | $ | — |
One- to four-family residential mortgage | 1 |  | 273 |  |  | 270 |  |  | 2 |  | 261 |  |  | 261 |
Total | 2 |  | $ | 280 |  |  | $ | 277 |  |  | 2 |  | $ | 261 |  |  | $ | 261 |
| Six Months Ended December 31, 2022 |  | Six Months Ended December 31, 2021
| # of Loans |  | Pre- modification Recorded Investment |  | Post- modification Recorded Investment |  | # of Loans |  | Pre- modification Recorded Investment |  | Post- modification Recorded Investment
| (Dollars In Thousands)
Multi-family mortgage | — |  | $ | — |  |  | $ | — |  |  | 1 |  | $ | 2,987 |  |  | $ | 2,972 |
Commercial business | 1 |  | 7 |  |  | 7 |  |  | — |  | — |  |  | — |
One- to four-family residential mortgage | 2 |  | 708 |  |  | 705 |  |  | 2 |  | 261 |  |  | 261 |
Home equity loans | 1 |  | 35 |  |  | 35 |  |  | — |  | — |  |  | — |
Total | 4 |  | $ | 750 |  |  | $ | 747 |  |  | 3 |  | $ | 3,248 |  |  | $ | 3,233 |
Carrying Value of Collateral Dependent Individually Analyzed Loans | The following table presents the carrying value and related allowance of collateral dependent individually analyzed loans at the dates indicated:
| December 31, 2022 |  | June 30, 2022
| Carrying Value |  | Related Allowance |  | Carrying Value |  | Related Allowance
| (In Thousands)
Commercial loans: |  |  |  |  |  |  |
Multi-family mortgage | $ | 16,271 |  |  | $ | 352 |  |  | $ | 26,653 |  |  | $ | 849 |
Nonresidential mortgage (1) | 17,529 |  |  | 2,392 |  |  | 30,733 |  |  | 2,696 |
Construction | — |  |  | — |  |  | 1,561 |  |  | — |
Total commercial loans | 33,800 |  |  | 2,744 |  |  | 58,947 |  |  | 3,545 |
One- to four-family residential mortgage (2) | 3,082 |  |  | 26 |  |  | 4,305 |  |  | 77 |
Consumer loans: |  |  |  |  |  |  |
Home equity loans (2) | — |  |  | — |  |  | 35 |  |  | — |
Total | $ | 36,882 |  |  | $ | 2,770 |  |  | $ | 63,287 |  |  | $ | 3,622 |
___________________________ (1)Secured by income-producing nonresidential property. (2)Secured by one- to four-family residential properties.
Credit-Rating Classification of Loans Receivable | The following table presents the risk category of loans as of December 31, 2022 by loan segment and vintage year:
| Term Loans by Origination Year for Fiscal Years ended June 30, |  |  |  |
| 2023 |  | 2022 |  | 2021 |  | 2020 |  | 2019 |  | Prior |  | Revolving Loans |  | Total
| (In Thousands)
Multi-family mortgage: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | $ | 593,864 |  |  | $ | 957,401 |  |  | $ | 246,580 |  |  | $ | 202,298 |  |  | $ | 246,991 |  |  | $ | 562,005 |  |  | $ | — |  |  | $ | 2,809,139 |
Special Mention | — |  |  | — |  |  | — |  |  | — |  |  | 6,091 |  |  | 7,445 |  |  | — |  |  | 13,536 |
Substandard | — |  |  | — |  |  | — |  |  | — |  |  | 9,545 |  |  | 19,501 |  |  | — |  |  | 29,046 |
Doubtful | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Total multi-family mortgage | 593,864 |  |  | 957,401 |  |  | 246,580 |  |  | 202,298 |  |  | 262,627 |  |  | 588,951 |  |  | — |  |  | 2,851,721 |
Nonresidential mortgage: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | 96,016 |  |  | 229,684 |  |  | 85,982 |  |  | 53,084 |  |  | 59,951 |  |  | 462,184 |  |  | 6,000 |  |  | 992,901 |
Special Mention | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 579 |  |  | — |  |  | 579 |
Substandard | — |  |  | — |  |  | 714 |  |  | — |  |  | 931 |  |  | 22,216 |  |  | — |  |  | 23,861 |
Doubtful | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Total nonresidential mortgage | 96,016 |  |  | 229,684 |  |  | 86,696 |  |  | 53,084 |  |  | 60,882 |  |  | 484,979 |  |  | 6,000 |  |  | 1,017,341 |
Commercial business: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | 11,522 |  |  | 37,850 |  |  | 35,453 |  |  | 9,529 |  |  | 2,540 |  |  | 9,968 |  |  | 65,504 |  |  | 172,366 |
Special Mention | — |  |  | — |  |  | — |  |  | 55 |  |  | 180 |  |  | 2,898 |  |  | — |  |  | 3,133 |
Substandard | — |  |  | — |  |  | 35 |  |  | 473 |  |  | 48 |  |  | 1,371 |  |  | 104 |  |  | 2,031 |
Doubtful | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Total commercial business | 11,522 |  |  | 37,850 |  |  | 35,488 |  |  | 10,057 |  |  | 2,768 |  |  | 14,237 |  |  | 65,608 |  |  | 177,530 |
Construction loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | 13,628 |  |  | 27,363 |  |  | 117,830 |  |  | 11,854 |  |  | 3,000 |  |  | 7,253 |  |  | 5,735 |  |  | 186,663 |
Special Mention | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Substandard | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Doubtful | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Total construction loans | 13,628 |  |  | 27,363 |  |  | 117,830 |  |  | 11,854 |  |  | 3,000 |  |  | 7,253 |  |  | 5,735 |  |  | 186,663 |
Residential mortgage: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | 151,323 |  |  | 463,800 |  |  | 506,856 |  |  | 83,231 |  |  | 47,554 |  |  | 453,552 |  |  | — |  |  | 1,706,316 |
Special Mention | — |  |  | — |  |  | — |  |  | — |  |  | 1,184 |  |  | 493 |  |  | — |  |  | 1,677 |
Substandard | — |  |  | 270 |  |  | — |  |  | — |  |  | 82 |  |  | 11,169 |  |  | — |  |  | 11,521 |
Doubtful | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Total residential mortgage | 151,323 |  |  | 464,070 |  |  | 506,856 |  |  | 83,231 |  |  | 48,820 |  |  | 465,214 |  |  | — |  |  | 1,719,514 |
Home equity loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | 7,560 |  |  | 2,794 |  |  | 658 |  |  | 1,439 |  |  | 2,665 |  |  | 8,221 |  |  | 21,752 |  |  | 45,089 |
Special Mention | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Substandard | — |  |  | — |  |  | — |  |  | — |  |  | 116 |  |  | 358 |  |  | 127 |  |  | 601 |
Doubtful | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Total home equity loans | 7,560 |  |  | 2,794 |  |  | 658 |  |  | 1,439 |  |  | 2,781 |  |  | 8,579 |  |  | 21,879 |  |  | 45,690 |
Other consumer loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | 232 |  |  | 287 |  |  | 171 |  |  | 457 |  |  | 335 |  |  | 1,041 |  |  | 41 |  |  | 2,564 |
Special Mention | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Substandard | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Doubtful | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 84 |  |  | 84 |
Other consumer loans | 232 |  |  | 287 |  |  | 171 |  |  | 457 |  |  | 335 |  |  | 1,041 |  |  | 125 |  |  | 2,648 |
Total loans | $ | 874,145 |  |  | $ | 1,719,449 |  |  | $ | 994,279 |  |  | $ | 362,420 |  |  | $ | 381,213 |  |  | $ | 1,570,254 |  |  | $ | 99,347 |  |  | $ | 6,001,107 |
The following table presents the risk category of loans as of June 30, 2022 by loan segment and vintage year:
| Term Loans by Origination Year for Fiscal Years ended June 30, |  |  |  |
| 2022 |  | 2021 |  | 2020 |  | 2019 |  | 2018 |  | Prior |  | Revolving Loans |  | Total
| (In Thousands)
Multi-family mortgage: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | $ | 963,263 |  |  | $ | 250,385 |  |  | $ | 211,101 |  |  | $ | 264,174 |  |  | $ | 248,058 |  |  | $ | 438,642 |  |  | $ | — |  |  | $ | 2,375,623 |
Special Mention | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 6,814 |  |  | — |  |  | 6,814 |
Substandard | — |  |  | — |  |  | — |  |  | 9,821 |  |  | 5,935 |  |  | 10,897 |  |  | — |  |  | 26,653 |
Doubtful | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Total multi-family mortgage | 963,263 |  |  | 250,385 |  |  | 211,101 |  |  | 273,995 |  |  | 253,993 |  |  | 456,353 |  |  | — |  |  | 2,409,090 |
Nonresidential mortgage: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | 231,777 |  |  | 87,309 |  |  | 53,983 |  |  | 60,714 |  |  | 49,285 |  |  | 491,849 |  |  | 6,052 |  |  | 980,969 |
Special Mention | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 591 |  |  | — |  |  | 591 |
Substandard | — |  |  | 720 |  |  | — |  |  | 933 |  |  | 4,026 |  |  | 32,599 |  |  | — |  |  | 38,278 |
Doubtful | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Total nonresidential mortgage | 231,777 |  |  | 88,029 |  |  | 53,983 |  |  | 61,647 |  |  | 53,311 |  |  | 525,039 |  |  | 6,052 |  |  | 1,019,838 |
Commercial business: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | 46,888 |  |  | 38,791 |  |  | 12,155 |  |  | 3,581 |  |  | 4,861 |  |  | 6,455 |  |  | 58,662 |  |  | 171,393 |
Special Mention | — |  |  | — |  |  | 62 |  |  | 186 |  |  | 2,173 |  |  | 873 |  |  | 215 |  |  | 3,509 |
Substandard | — |  |  | 38 |  |  | 319 |  |  | — |  |  | 1,347 |  |  | 61 |  |  | 58 |  |  | 1,823 |
Doubtful | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 80 |  |  | 2 |  |  | 82 |
Total commercial business | 46,888 |  |  | 38,829 |  |  | 12,536 |  |  | 3,767 |  |  | 8,381 |  |  | 7,469 |  |  | 58,937 |  |  | 176,807 |
Construction loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | 16,407 |  |  | 95,526 |  |  | 10,337 |  |  | 3,039 |  |  | 6,509 |  |  | 1,017 |  |  | 5,735 |  |  | 138,570 |
Special Mention | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Substandard | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 1,561 |  |  | — |  |  | 1,561 |
Doubtful | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Total construction loans | 16,407 |  |  | 95,526 |  |  | 10,337 |  |  | 3,039 |  |  | 6,509 |  |  | 2,578 |  |  | 5,735 |  |  | 140,131 |
Residential mortgage: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | 472,160 |  |  | 524,163 |  |  | 88,645 |  |  | 49,316 |  |  | 55,139 |  |  | 442,517 |  |  | 374 |  |  | 1,632,314 |
Special Mention | — |  |  | — |  |  | — |  |  | 1,205 |  |  | — |  |  | 621 |  |  | — |  |  | 1,826 |
Substandard | — |  |  | — |  |  | — |  |  | 83 |  |  | — |  |  | 11,593 |  |  | — |  |  | 11,676 |
Doubtful | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Total residential mortgage | 472,160 |  |  | 524,163 |  |  | 88,645 |  |  | 50,604 |  |  | 55,139 |  |  | 454,731 |  |  | 374 |  |  | 1,645,816 |
Home equity loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | 3,197 |  |  | 692 |  |  | 1,681 |  |  | 3,117 |  |  | 2,027 |  |  | 7,321 |  |  | 22,334 |  |  | 40,369 |
Special Mention | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Substandard | — |  |  | — |  |  | — |  |  | 120 |  |  | — |  |  | 1,539 |  |  | — |  |  | 1,659 |
Doubtful | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Total home equity loans | 3,197 |  |  | 692 |  |  | 1,681 |  |  | 3,237 |  |  | 2,027 |  |  | 8,860 |  |  | 22,334 |  |  | 42,028 |
Other consumer loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | 442 |  |  | 308 |  |  | 471 |  |  | 375 |  |  | 258 |  |  | 895 |  |  | 34 |  |  | 2,783 |
Special Mention | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Substandard | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Doubtful | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 83 |  |  | 83 |
Other consumer loans | 442 |  |  | 308 |  |  | 471 |  |  | 375 |  |  | 258 |  |  | 895 |  |  | 117 |  |  | 2,866 |
Total loans | $ | 1,734,134 |  |  | $ | 997,932 |  |  | $ | 378,754 |  |  | $ | 396,664 |  |  | $ | 379,618 |  |  | $ | 1,455,925 |  |  | $ | 93,549 |  |  | $ | 5,436,576 |

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