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Loans and Allowance for Loan Losses (Tables) | 6 Months Ended
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Dec. 31, 2022
Loans and Allowance for Loan Losses [Abstract] |
Major Loan Segments and Classes | Loan segments and classes at December 31, 2022 and June 30, 2022 are summarized as follows:
(In thousands) |  | December 31, 2022 |  |  | June 30, 2022 |
Residential real estate: |  |  |  |  |  |
Residential real estate |  | $ | 371,646 |  |  | $ | 360,824 |
Residential construction and land |  |  | 20,334 |  |  |  | 15,298 |
Multi-family |  |  | 67,733 |  |  |  | 63,822 |
Commercial real estate: |  |  |  |  |  |  |  |
Commercial real estate |  |  | 705,649 |  |  |  | 595,635 |
Commercial construction |  |  | 87,267 |  |  |  | 83,748 |
Consumer loan: |  |  |  |  |  |  |  |
Home equity |  |  | 20,669 |  |  |  | 17,877 |
Consumer installment |  |  | 4,588 |  |  |  | 4,512 |
Commercial loans |  |  | 112,169 |  |  |  | 110,271 |
Total gross loans |  |  | 1,390,055 |  |  |  | 1,251,987 |
Allowance for loan losses |  |  | (22,289 | ) |  |  | (22,761 | )
Deferred fees and cost, net |  |  | 100 |  |  |  | 129 |
Loans receivable, net |  | $ | 1,367,866 |  |  | $ | 1,229,355 |
Loan Balances by Internal Credit Quality Indicator | Loan balances by internal credit quality indicator at December 31, 2022 are shown below.
(In thousands) |  | Performing |  |  | Special Mention |  |  | Substandard |  |  | Total |
Residential real estate |  | $ | 366,020 |  |  | $ | 172 |  |  | $ | 5,454 |  |  | $ | 371,646 |
Residential construction and land |  |  | 20,334 |  |  |  | - |  |  |  | - |  |  |  | 20,334 |
Multi-family |  |  | 67,644 |  |  |  | 89 |  |  |  | - |  |  |  | 67,733 |
Commercial real estate |  |  | 673,200 |  |  |  | 7,055 |  |  |  | 25,394 |  |  |  | 705,649 |
Commercial construction |  |  | 87,267 |  |  |  | - |  |  |  | - |  |  |  | 87,267 |
Home equity |  |  | 20,484 |  |  |  | - |  |  |  | 185 |  |  |  | 20,669 |
Consumer installment |  |  | 4,574 |  |  |  | - |  |  |  | 14 |  |  |  | 4,588 |
Commercial loans |  |  | 105,613 |  |  |  | 3,232 |  |  |  | 3,324 |  |  |  | 112,169 |
Total gross loans |  | $ | 1,345,136 |  |  | $ | 10,548 |  |  | $ | 34,371 |  |  | $ | 1,390,055 |
Loan balances by internal credit quality indicator at June 30, 2022 are shown below.
(In thousands) |  | Performing |  |  | Special Mention |  |  | Substandard |  |  | Total |
Residential real estate |  | $ | 355,474 |  |  | $ | 28 |  |  | $ | 5,322 |  |  | $ | 360,824 |
Residential construction and land |  |  | 15,297 |  |  |  | - |  |  |  | 1 |  |  |  | 15,298 |
Multi-family |  |  | 63,730 |  |  |  | 92 |  |  |  | - |  |  |  | 63,822 |
Commercial real estate |  |  | 555,451 |  |  |  | 13,777 |  |  |  | 26,407 |  |  |  | 595,635 |
Commercial construction |  |  | 83,748 |  |  |  | - |  |  |  | - |  |  |  | 83,748 |
Home equity |  |  | 17,369 |  |  |  | - |  |  |  | 508 |  |  |  | 17,877 |
Consumer installment |  |  | 4,500 |  |  |  | - |  |  |  | 12 |  |  |  | 4,512 |
Commercial loans |  |  | 104,364 |  |  |  | 996 |  |  |  | 4,911 |  |  |  | 110,271 |
Total gross loans |  | $ | 1,199,933 |  |  | $ | 14,893 |  |  | $ | 37,161 |  |  | $ | 1,251,987 |
Delinquent and/or Nonaccrual Loans by Past Due Status | The following table sets forth information regarding delinquent and/or nonaccrual loans at December 31, 2022:
(In thousands) |  | 30-59 days past due |  |  | 60-89 days past due |  |  | 90 days or more past due |  |  | Total past due |  |  | Current |  |  | Total Loans |  |  | Loans on Non- accrual |
Residential real estate |  | $ | 2,410 |  |  | $ | 1,009 |  |  | $ | 1,542 |  |  | $ | 4,961 |  |  | $ | 366,685 |  |  | $ | 371,646 |  |  | $ | 2,685 |
Residential construction and land |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | 20,334 |  |  |  | 20,334 |  |  |  | - |
Multi-family |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | 67,733 |  |  |  | 67,733 |  |  |  | - |
Commercial real estate |  |  | 1,816 |  |  |  | 225 |  |  |  | 178 |  |  |  | 2,219 |  |  |  | 703,430 |  |  |  | 705,649 |  |  |  | 828 |
Commercial construction |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | 87,267 |  |  |  | 87,267 |  |  |  | - |
Home equity |  |  | 46 |  |  |  | 38 |  |  |  | 140 |  |  |  | 224 |  |  |  | 20,445 |  |  |  | 20,669 |  |  |  | 185 |
Consumer installment |  |  | 35 |  |  |  | 19 |  |  |  | - |  |  |  | 54 |  |  |  | 4,534 |  |  |  | 4,588 |  |  |  | - |
Commercial loans |  |  | 1,603 |  |  |  | 91 |  |  |  | 398 |  |  |  | 2,092 |  |  |  | 110,077 |  |  |  | 112,169 |  |  |  | 1,679 |
Total gross loans |  | $ | 5,910 |  |  | $ | 1,382 |  |  | $ | 2,258 |  |  | $ | 9,550 |  |  | $ | 1,380,505 |  |  | $ | 1,390,055 |  |  | $ | 5,377 |
The following table sets forth information regarding delinquent and/or nonaccrual loans at June 30, 2022:
(In thousands) |  | 30-59 days past due |  |  | 60-89 days past due |  |  | 90 days or more past due |  |  | Total past due |  |  | Current |  |  | Total Loans |  |  | Loans on Non- accrual |
Residential real estate |  | $ | 66 |  |  | $ | 1,676 |  |  | $ | 592 |  |  | $ | 2,334 |  |  | $ | 358,490 |  |  | $ | 360,824 |  |  | $ | 2,948 |
Residential construction and land |  |  | - |  |  |  | 1 |  |  |  | - |  |  |  | 1 |  |  |  | 15,297 |  |  |  | 15,298 |  |  |  | 1 |
Multi-family |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | 63,822 |  |  |  | 63,822 |  |  |  | - |
Commercial real estate |  |  | - |  |  |  | 385 |  |  |  | 1,147 |  |  |  | 1,532 |  |  |  | 594,103 |  |  |  | 595,635 |  |  |  | 1,269 |
Commercial construction |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | 83,748 |  |  |  | 83,748 |  |  |  | - |
Home equity |  |  | 3 |  |  |  | - |  |  |  | 179 |  |  |  | 182 |  |  |  | 17,695 |  |  |  | 17,877 |  |  |  | 188 |
Consumer installment |  |  | 22 |  |  |  | 17 |  |  |  | - |  |  |  | 39 |  |  |  | 4,473 |  |  |  | 4,512 |  |  |  | 7 |
Commercial loans |  |  | - |  |  |  | 28 |  |  |  | 19 |  |  |  | 47 |  |  |  | 110,224 |  |  |  | 110,271 |  |  |  | 1,904 |
Total gross loans |  | $ | 91 |  |  | $ | 2,107 |  |  | $ | 1,937 |  |  | $ | 4,135 |  |  | $ | 1,247,852 |  |  | $ | 1,251,987 |  |  | $ | 6,317 |
Impaired Loans by Loan Portfolio Class | The tables below detail additional information on impaired loans at the date or periods indicated:
|  | At December 31, 2022 |  |  | For the three months ended December 31, 2022 |  |  | For the six months ended December 31, 2022 |
(In thousands) |  | Recorded Investment |  |  | Unpaid Principal |  |  | Related Allowance |  |  | Average Recorded Investment |  |  | Interest Income Recognized |  |  | Average Recorded Investment |  |  | Interest Income Recognized |
With no related allowance recorded: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Residential real estate |  | $ | 785 |  |  | $ | 785 |  |  | $ | - |  |  | $ | 923 |  |  | $ | 2 |  |  | $ | 954 |  |  | $ | 2 |
Commercial real estate |  |  | 371 |  |  |  | 371 |  |  |  | - |  |  |  | 372 |  |  |  | 6 |  |  |  | 218 |  |  |  | 8 |
Home equity |  |  | 128 |  |  |  | 128 |  |  |  | - |  |  |  | 128 |  |  |  | - |  |  |  | 128 |  |  |  | - |
Consumer installment |  |  | 4 |  |  |  | 4 |  |  |  | - |  |  |  | 4 |  |  |  | - |  |  |  | 5 |  |  |  | 1 |
Commercial loans |  |  | 340 |  |  |  | 340 |  |  |  | - |  |  |  | 341 |  |  |  | 4 |  |  |  | 343 |  |  |  | 8 |
Impaired loans with no allowance |  |  | 1,628 |  |  |  | 1,628 |  |  |  | - |  |  |  | 1,768 |  |  |  | 12 |  |  |  | 1,648 |  |  |  | 19 |
With an allowance recorded: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Residential real estate |  |  | 2,428 |  |  |  | 2,428 |  |  |  | 587 |  |  |  | 2,301 |  |  |  | 5 |  |  |  | 2,120 |  |  |  | 7 |
Commercial real estate |  |  | 4,100 |  |  |  | 4,100 |  |  |  | 1,090 |  |  |  | 3,805 |  |  |  | 41 |  |  |  | 3,517 |  |  |  | 73 |
Commercial construction |  |  | 102 |  |  |  | 102 |  |  |  | 1 |  |  |  | 102 |  |  |  | - |  |  |  | 102 |  |  |  | - |
Home equity |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | 160 |  |  |  | 4 |
Commercial loans |  |  | 1,984 |  |  |  | 1,984 |  |  |  | 939 |  |  |  | 2,591 |  |  |  | 11 |  |  |  | 2,799 |  |  |  | 27 |
Impaired loans with allowance |  |  | 8,614 |  |  |  | 8,614 |  |  |  | 2,617 |  |  |  | 8,799 |  |  |  | 57 |  |  |  | 8,698 |  |  |  | 111 |
Total impaired: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Residential real estate |  |  | 3,213 |  |  |  | 3,213 |  |  |  | 587 |  |  |  | 3,224 |  |  |  | 7 |  |  |  | 3,074 |  |  |  | 9 |
Commercial real estate |  |  | 4,471 |  |  |  | 4,471 |  |  |  | 1,090 |  |  |  | 4,177 |  |  |  | 47 |  |  |  | 3,735 |  |  |  | 81 |
Commercial construction |  |  | 102 |  |  |  | 102 |  |  |  | 1 |  |  |  | 102 |  |  |  | - |  |  |  | 102 |  |  |  | - |
Home equity |  |  | 128 |  |  |  | 128 |  |  |  | - |  |  |  | 128 |  |  |  | - |  |  |  | 288 |  |  |  | 4 |
Consumer installment |  |  | 4 |  |  |  | 4 |  |  |  | - |  |  |  | 4 |  |  |  | - |  |  |  | 5 |  |  |  | 1 |
Commercial loans |  |  | 2,324 |  |  |  | 2,324 |  |  |  | 939 |  |  |  | 2,932 |  |  |  | 15 |  |  |  | 3,142 |  |  |  | 35 |
Total impaired loans |  | $ | 10,242 |  |  | $ | 10,242 |  |  | $ | 2,617 |  |  | $ | 10,567 |  |  | $ | 69 |  |  | $ | 10,346 |  |  | $ | 130 |
|  | At June 30, 2022 |  |  | For the three months ended December 31, 2021 |  |  | For the six months ended December 31, 2021 |
(In thousands) |  | Recorded Investment |  |  | Unpaid Principal |  |  | Related Allowance |  |  | Average Recorded Investment |  |  | Interest Income Recognized |  |  | Average Recorded Investment |  |  | Interest Income Recognized |
With no related allowance recorded: |
Residential real estate |  | $ | 990 |  |  | $ | 990 |  |  | $ | - |  |  | $ | 664 |  |  | $ | 10 |  |  | $ | 442 |  |  | $ | 10 |
Commercial real estate |  |  | 67 |  |  |  | 67 |  |  |  | - |  |  |  | 539 |  |  |  | 5 |  |  |  | 492 |  |  |  | 8 |
Home equity |  |  | 128 |  |  |  | 128 |  |  |  | - |  |  |  | 128 |  |  |  | - |  |  |  | 128 |  |  |  | - |
Consumer Installment |  |  | 5 |  |  |  | 5 |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |
Commercial loans |  |  | 346 |  |  |  | 346 |  |  |  | - |  |  |  | 180 |  |  |  | 2 |  |  |  | 139 |  |  |  | 2 |
Impaired loans with no allowance |  |  | 1,536 |  |  |  | 1,536 |  |  |  | - |  |  |  | 1,511 |  |  |  | 17 |  |  |  | 1,201 |  |  |  | 20 |
With an allowance recorded: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Residential real estate |  |  | 1,953 |  |  |  | 1,953 |  |  |  | 588 |  |  |  | 1,958 |  |  |  | 28 |  |  |  | 1,338 |  |  |  | 33 |
Commercial real estate |  |  | 3,698 |  |  |  | 3,698 |  |  |  | 1,118 |  |  |  | 612 |  |  |  | 8 |  |  |  | 696 |  |  |  | 18 |
Commercial construction |  |  | 102 |  |  |  | 102 |  |  |  | 1 |  |  |  | 102 |  |  |  | - |  |  |  | 102 |  |  |  | - |
Home equity |  |  | 320 |  |  |  | 320 |  |  |  | 44 |  |  |  | 321 |  |  |  | 3 |  |  |  | 321 |  |  |  | 6 |
Commercial loans |  |  | 3,162 |  |  |  | 3,162 |  |  |  | 596 |  |  |  | 3,484 |  |  |  | 47 |  |  |  | 3,356 |  |  |  | 87 |
Impaired loans with allowance |  |  | 9,235 |  |  |  | 9,235 |  |  |  | 2,347 |  |  |  | 6,477 |  |  |  | 86 |  |  |  | 5,813 |  |  |  | 144 |
Total impaired: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Residential real estate |  |  | 2,943 |  |  |  | 2,943 |  |  |  | 588 |  |  |  | 2,622 |  |  |  | 38 |  |  |  | 1,780 |  |  |  | 43 |
Commercial real estate |  |  | 3,765 |  |  |  | 3,765 |  |  |  | 1,118 |  |  |  | 1,151 |  |  |  | 13 |  |  |  | 1,188 |  |  |  | 26 |
Commercial construction |  |  | 102 |  |  |  | 102 |  |  |  | 1 |  |  |  | 102 |  |  |  | - |  |  |  | 102 |  |  |  | - |
Home equity |  |  | 448 |  |  |  | 448 |  |  |  | 44 |  |  |  | 449 |  |  |  | 3 |  |  |  | 449 |  |  |  | 6 |
Consumer Installment |  |  | 5 |  |  |  | 5 |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |
Commercial loans |  |  | 3,508 |  |  |  | 3,508 |  |  |  | 596 |  |  |  | 3,664 |  |  |  | 49 |  |  |  | 3,495 |  |  |  | 89 |
Total impaired loans |  | $ | 10,771 |  |  | $ | 10,771 |  |  | $ | 2,347 |  |  | $ | 7,988 |  |  | $ | 103 |  |  | $ | 7,014 |  |  | $ | 164 |
Loans Modified as Troubled Debt Restructuring | The table below details loans that have been modified as a troubled debt restructuring during the periods indicated.
(Dollars in thousands) |  | Number of Contracts |  |  | Pre-Modification Outstanding Recorded Investment |  |  | Post- Modification Outstanding Recorded Investment |  |  | Current outstanding Recorded Investment |
For the six months ended December 31, 2022 |  |  |  |  |  |  |  |  |  |  |  |
Residential real estate |  |  | 2 |  |  | $ | 778 |  |  | $ | 778 |  |  | $ | 778 |
Commercial real estate |  |  | 2 |  |  | $ | 1,228 |  |  | $ | 1,233 |  |  | $ | 1,233 |
Commercial loans |  |  | 1 |  |  | $ | 379 |  |  | $ | 379 |  |  | $ | 379 |
For the year ended June 30, 2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Consumer Installment |  |  | 1 |  |  | $ | 5 |  |  | $ | 5 |  |  | $ | 5 |
Activity and Allocation of Allowance for Loan Losses | The following tables set forth the activity and allocation of the allowance for loan losses by loan class during and at the periods indicated. The allowance is allocated to each loan class based on historical loss experience, current economic conditions, and other considerations.
|  | Activity for the three months ended December 31, 2022 |
(In thousands) |  | Balance at September 30, 2022 |  |  | Charge-offs |  |  | Recoveries |  |  | Provision |  |  | Balance at December 31, 2022 |
Residential real estate |  | $ | 2,471 |  |  | $ | - |  |  | $ | 2 |  |  | $ | 19 |  |  | $ | 2,492 |
Residential construction and land |  |  | 177 |  |  |  | - |  |  |  | - |  |  |  | 16 |  |  |  | 193 |
Multi-family |  |  | 159 |  |  |  | - |  |  |  | - |  |  |  | 8 |  |  |  | 167 |
Commercial real estate |  |  | 15,392 |  |  |  | - |  |  |  | - |  |  |  | 58 |  |  |  | 15,450 |
Commercial construction |  |  | 1,044 |  |  |  | - |  |  |  | - |  |  |  | 56 |  |  |  | 1,100 |
Home equity |  |  | 44 |  |  |  | - |  |  |  | - |  |  |  | (6 | ) |  |  | 38 |
Consumer installment |  |  | 274 |  |  |  | 137 |  |  |  | 29 |  |  |  | 118 |  |  |  | 284 |
Commercial loans |  |  | 2,586 |  |  |  | 7 |  |  |  | 11 |  |  |  | (25 | ) |  |  | 2,565 |
Total |  | $ | 22,147 |  |  | $ | 144 |  |  | $ | 42 |  |  | $ | 244 |  |  | $ | 22,289 |
|  | Activity for the six months ended December 31, 2022 |
(In thousands) |  | Balance at June 30, 2022 |  |  | Charge-offs |  |  | Recoveries |  |  | Provision |  |  | Balance at December 31, 2022 |
Residential real estate |  | $ | 2,373 |  |  | $ | - |  |  | $ | 5 |  |  | $ | 114 |  |  | $ | 2,492 |
Residential construction and land |  |  | 141 |  |  |  | - |  |  |  | - |  |  |  | 52 |  |  |  | 193 |
Multi-family |  |  | 119 |  |  |  | - |  |  |  | - |  |  |  | 48 |  |  |  | 167 |
Commercial real estate |  |  | 16,221 |  |  |  | - |  |  |  | - |  |  |  | (771 | ) |  |  | 15,450 |
Commercial construction |  |  | 1,114 |  |  |  | - |  |  |  | - |  |  |  | (14 | ) |  |  | 1,100 |
Home equity |  |  | 89 |  |  |  | - |  |  |  | - |  |  |  | (51 | ) |  |  | 38 |
Consumer installment |  |  | 349 |  |  |  | 304 |  |  |  | 75 |  |  |  | 164 |  |  |  | 284 |
Commercial loans |  |  | 2,355 |  |  |  | 11 |  |  |  | 18 |  |  |  | 203 |  |  |  | 2,565 |
Total |  | $ | 22,761 |  |  | $ | 315 |  |  | $ | 98 |  |  | $ | (255 | ) |  | $ | 22,289 |
|  | Allowance for Loan Losses |  |  | Loans Receivable |
|  | Ending Balance At December 31, 2022 Impairment Analysis |  |  | Ending Balance At December 31, 2022 Impairment Analysis |
(In thousands) |  | Individually Evaluated |  |  | Collectively Evaluated |  |  | Individually Evaluated |  |  | Collectively Evaluated |
Residential real estate |  | $ | 587 |  |  | $ | 1,905 |  |  | $ | 3,213 |  |  | $ | 368,433 |
Residential construction and land |  |  | - |  |  |  | 193 |  |  |  | - |  |  |  | 20,334 |
Multi-family |  |  | - |  |  |  | 167 |  |  |  | - |  |  |  | 67,733 |
Commercial real estate |  |  | 1,090 |  |  |  | 14,360 |  |  |  | 4,471 |  |  |  | 701,178 |
Commercial construction |  |  | 1 |  |  |  | 1,099 |  |  |  | 102 |  |  |  | 87,165 |
Home equity |  |  | - |  |  |  | 38 |  |  |  | 128 |  |  |  | 20,541 |
Consumer installment |  |  | - |  |  |  | 284 |  |  |  | 4 |  |  |  | 4,584 |
Commercial loans |  |  | 939 |  |  |  | 1,626 |  |  |  | 2,324 |  |  |  | 109,845 |
Total |  | $ | 2,617 |  |  | $ | 19,672 |  |  | $ | 10,242 |  |  | $ | 1,379,813 |
|  | Activity for the three months ended December 31, 2021 |
(In thousands) |  | Balance at September 30, 2021 |  |  | Charge-offs |  |  | Recoveries |  |  | Provision |  |  | Balance at December 31, 2021 |
Residential real estate |  | $ | 1,997 |  |  | $ | - |  |  | $ | 7 |  |  | $ | (23 | ) |  | $ | 1,981 |
Residential construction and land |  |  | 120 |  |  |  | - |  |  |  | - |  |  |  | (5 | ) |  |  | 115 |
Multi-family |  |  | 100 |  |  |  | - |  |  |  | - |  |  |  | (24 | ) |  |  | 76 |
Commercial real estate |  |  | 14,298 |  |  |  | - |  |  |  | - |  |  |  | 1,318 |  |  |  | 15,616 |
Commercial construction |  |  | 1,198 |  |  |  | - |  |  |  | - |  |  |  | 52 |  |  |  | 1,250 |
Home equity |  |  | 140 |  |  |  | - |  |  |  | - |  |  |  | (51 | ) |  |  | 89 |
Consumer installment |  |  | 290 |  |  |  | 107 |  |  |  | 20 |  |  |  | 77 |  |  |  | 280 |
Commercial loans |  |  | 2,350 |  |  |  | 10 |  |  |  | 1 |  |  |  | (64 | ) |  |  | 2,277 |
Total |  | $ | 20,493 |  |  | $ | 117 |  |  | $ | 28 |  |  | $ | 1,280 |  |  | $ | 21,684 |
|  | Activity for the six months ended December 31, 2021 |
(In thousands) |  | Balance at June 30, 2021 |  |  | Charge-offs |  |  | Recoveries |  |  | Provision |  |  | Balance at December 31, 2021 |
Residential real estate |  | $ | 2,012 |  |  | $ | - |  |  | $ | 7 |  |  | $ | (38 | ) |  | $ | 1,981 |
Residential construction and land |  |  | 106 |  |  |  | - |  |  |  | - |  |  |  | 9 |  |  |  | 115 |
Multi-family |  |  | 186 |  |  |  | - |  |  |  | - |  |  |  | (110 | ) |  |  | 76 |
Commercial real estate |  |  | 13,049 |  |  |  | - |  |  |  | - |  |  |  | 2,567 |  |  |  | 15,616 |
Commercial construction |  |  | 1,535 |  |  |  | - |  |  |  | - |  |  |  | (285 | ) |  |  | 1,250 |
Home equity |  |  | 165 |  |  |  | - |  |  |  | - |  |  |  | (76 | ) |  |  | 89 |
Consumer installment |  |  | 267 |  |  |  | 211 |  |  |  | 57 |  |  |  | 167 |  |  |  | 280 |
Commercial loans |  |  | 2,348 |  |  |  | 107 |  |  |  | 2 |  |  |  | 34 |  |  |  | 2,277 |
Total |  | $ | 19,668 |  |  | $ | 318 |  |  | $ | 66 |  |  | $ | 2,268 |  |  | $ | 21,684 |
|  | Allowance for Loan Losses |  |  | Loans Receivable |
|  | Ending Balance June 30, 2022 Impairment Analysis |  |  | Ending Balance June 30, 2022 Impairment Analysis |
(In thousands) |  | Individually Evaluated |  |  | Collectively Evaluated |  |  | Individually Evaluated |  |  | Collectively Evaluated |
Residential real estate |  | $ | 588 |  |  | $ | 1,785 |  |  | $ | 2,943 |  |  | $ | 357,881 |
Residential construction and land |  |  | - |  |  |  | 141 |  |  |  | - |  |  |  | 15,298 |
Multi-family |  |  | - |  |  |  | 119 |  |  |  | - |  |  |  | 63,822 |
Commercial real estate |  |  | 1,118 |  |  |  | 15,103 |  |  |  | 3,765 |  |  |  | 591,870 |
Commercial construction |  |  | 1 |  |  |  | 1,113 |  |  |  | 102 |  |  |  | 83,646 |
Home equity |  |  | 44 |  |  |  | 45 |  |  |  | 448 |  |  |  | 17,429 |
Consumer installment |  |  | - |  |  |  | 349 |  |  |  | 5 |  |  |  | 4,507 |
Commercial loans |  |  | 596 |  |  |  | 1,759 |  |  |  | 3,508 |  |  |  | 106,763 |
Total |  | $ | 2,347 |  |  | $ | 20,414 |  |  | $ | 10,771 |  |  | $ | 1,241,216 |
Foreclosed Real Estate | The following table sets forth information regarding FRE at:
(in thousands) |  | December 31, 2022 |  |  | June 30, 2022 |
Residential real estate |  | $ | - |  |  | $ | 68 |
Total foreclosed real estate |  | $ | - |  |  | $ | 68 |

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