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Loans Receivable And Allowance For Loan Losses (Tables)
3 Months Ended
Dec. 31, 2013
Accounts, Notes, Loans and Financing Receivable, Gross, Allowance, and Net [Abstract]  
Schedule of Loans receivable and Loans held for sale
Loans receivable and loans held for sale consisted of the following at December 31, 2013 and September 30, 2013
(dollars in thousands):
 
December 31,
2013
 
September 30,
2013
 
Amount
 
Percent
 
Amount
 
Percent
Mortgage loans:
 
 
 
 
 
 
 
One- to four-family (1)
$
100,869

 
17.1
%
 
$
104,298

 
18.0
%
Multi-family
48,212

 
8.2

 
51,108

 
8.8

Commercial
299,644

 
50.8

 
291,297

 
50.3

Construction and land development
53,694

 
9.1

 
45,136

 
7.8

Land
31,464

 
5.3

 
31,144

 
5.4

Total mortgage loans
533,883

 
90.5

 
522,983

 
90.3

 
 
 
 
 
 
 
 
Consumer loans:
 

 
 

 
 

 
 

Home equity and second mortgage
32,201

 
5.5

 
33,014

 
5.7

Other
5,963

 
1.0

 
5,981

 
1.0

Total consumer loans
38,164

 
6.5

 
38,995

 
6.7

 
 
 
 
 
 
 
 
Commercial business loans
17,732

 
3.0

 
17,499

 
3.0

 
 
 
 
 
 
 
 
Total loans receivable
589,779

 
100.0
%
 
579,477

 
100.0
%
Less:
 

 
 

 
 

 
 

Undisbursed portion of construction 
loans in process
(21,362
)
 
 

 
(18,527
)
 
 

Deferred loan origination fees
(1,768
)
 
 

 
(1,710
)
 
 

Allowance for loan losses
(10,745
)
 
 

 
(11,136
)
 
 

 
 
 
 
 
 
 
 
Total loans receivable, net
$
555,904

 
 

 
$
548,104

 
 

________________________
(1)    Includes loans held for sale.
Schedule of Composition of Construction and Land Development Loan Portfolio
The following table sets forth the composition of the Company’s construction and land development loan portfolio at December 31, 2013 and September 30, 2013 (dollars in thousands):

 
December 31,
2013
 
September 30,
2013
 
Amount
 
Percent
 
Amount
 
Percent
Custom and owner/builder
$
46,789

 
87.1
%
 
$
40,811

 
90.4
%
Speculative one- to four-family
2,104

 
3.9

 
1,428

 
3.2

Commercial real estate
4,467

 
8.3

 
2,239

 
5.0

Multi-family
(including condominiums)
143

 
0.3

 
143

 
0.3

Land development
190

 
0.4

 
515

 
1.1

Total construction and
 land development loans
$
53,693

 
100.0
%
 
$
45,136

 
100.0
%
Schedule of Allowance for Loan Losses
The following tables set forth information for the three months ended December 31, 2013 and 2012 regarding activity in the allowance for loan losses (dollars in thousands):

 
Three Months Ended December 31, 2013
 
Beginning
Allowance
 
Provision
/(Credit)
 
Charge-
offs
 
Recoveries
 
Ending
Allowance
Mortgage loans:
 
 
 
 
 
 
 
 
 
One-to four-family
$
1,449

 
$
214

 
$
350

 
$
8

 
$
1,321

Multi-family
749

 
(198
)
 

 

 
551

Commercial
5,275

 
130

 
295

 
3

 
5,113

Construction – custom and owner/builder
262

 
70

 

 

 
332

Construction – speculative one- to four-family
96

 
22

 

 

 
118

Construction – commercial
56

 
24

 

 

 
80

Construction – multi-family

 

 

 

 

Construction – land development

 
(69
)
 

 
69

 

Land
1,940

 
(282
)
 
93

 
300

 
1,865

Consumer loans:
 

 
 

 
 

 
 

 
 

Home equity and second mortgage
782

 
55

 
28

 

 
809

Other
200

 
8

 

 

 
208

Commercial business loans
327

 
26

 
14

 
9

 
348

Total
$
11,136

 
$

 
$
780

 
$
389

 
$
10,745



 
Three Months Ended December 31, 2012
 
Beginning
Allowance
 
Provision
/(Credit)
 
Charge-
offs
 
Recoveries
 
Ending
Allowance
Mortgage loans:
 
 
 
 
 
 
 
 
 
  One-to four-family
$
1,558

 
$
533

 
$
263

 
$
1

 
$
1,829

  Multi-family
1,156

 
(212)

 

 
1

 
945
  Commercial
4,247

 
216

 

 

 
4,463
  Construction – custom and owner/builder
386

 
(92)

 

 

 
294
  Construction – speculative one- to four-family
128

 
4

 

 

 
132
  Construction – commercial
429

 
(58)

 

 

 
371
  Construction – multi-family

 

 

 

 

  Construction – land development

 
(120)

 
6

 
146

 
20

  Land
2,392

 
101

 
209

 
1

 
2,285
Consumer loans:
 
 
 
 
 
 
 
 
 
  Home equity and second mortgage
759

 
(19)

 
18

 

 
722
  Other
254

 
(5)

 

 

 
249
Commercial business loans
516

 
(148)

 

 
91

 
459
Total
$
11,825

 
$
200

 
$
496

 
$
240

 
$
11,769

Schedule of loans evaluated individually for impairment and collectively evaluated for impairment in the allowance for loan losses
The following table presents information on the loans evaluated individually for impairment and collectively evaluated for impairment in the allowance for loan losses at December 31, 2013 and September 30, 2013 (dollars in thousands):

 
Allowance for Loan Losses
 
Recorded Investment in Loans
 
Individually
Evaluated for
Impairment
 
Collectively
Evaluated for
Impairment
 
Total
 
Individually
Evaluated for
Impairment
 
Collectively
Evaluated for
Impairment
 
Total
December 31, 2013
 
 
 
 
 
 
 
 
 
 
 
Mortgage loans:
 
 
 
 
 
 
 
 
 
 
 
One- to four-family
$
440

 
$
881

 
$
1,321

 
$
8,173

 
$
92,696

 
$
100,869

Multi-family
131

 
420

 
551

 
4,934

 
43,278

 
48,212

Commercial
1,515

 
3,598

 
5,113

 
18,012

 
281,632

 
299,644

Construction – custom and owner/builder

 
332

 
332

 

 
27,357

 
27,357

Construction – speculative one- to four-family
84

 
34

 
118

 
686

 
906

 
1,592

Construction – commercial

 
80

 
80

 

 
3,050

 
3,050

Construction –  multi-family

 

 

 
143

 

 
143

Construction – land development

 

 

 
190

 

 
190

Land
368

 
1,497

 
1,865

 
5,614

 
25,850

 
31,464

Consumer loans:
 

 
 
 
 

 
 

 
 

 
 

Home equity and second mortgage
55

 
754

 
809

 
525

 
31,676

 
32,201

Other

 
208

 
208

 
5

 
5,958

 
5,963

Commercial business loans

 
348

 
348

 
5

 
17,727

 
17,732

Total
$
2,593

 
$
8,152

 
$
10,745

 
$
38,287

 
$
530,130

 
$
568,417

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
September 30, 2013
 

 
 

 
 

 
 

 
 

 
 

Mortgage loans:
 

 
 

 
 

 
 

 
 

 
 

One- to four-family
$
600

 
$
849

 
$
1,449

 
$
8,984

 
$
95,314

 
$
104,298

Multi-family
334

 
415

 
749

 
5,184

 
45,924

 
51,108

Commercial
1,763

 
3,512

 
5,275

 
19,510

 
271,787

 
291,297

Construction – custom and owner/builder

 
262

 
262

 

 
22,788

 
22,788

Construction – speculative one- to four-family
88

 
8

 
96

 
687

 
236

 
923

Construction – commercial

 
56

 
56

 

 
2,239

 
2,239

Construction – multi-family

 

 

 
143

 
1

 
144

Construction – land development

 

 

 
515

 

 
515

Land
234

 
1,706

 
1,940

 
2,391

 
28,753

 
31,144

Consumer loans:
 

 
 

 
 

 
 

 
 

 
 

Home equity and second mortgage
57

 
725

 
782

 
679

 
32,335

 
33,014

Other

 
200

 
200

 
6

 
5,975

 
5,981

Commercial business loans

 
327

 
327

 

 
17,499

 
17,499

Total
$
3,076

 
$
8,060

 
$
11,136

 
$
38,099

 
$
522,851

 
$
560,950

Financing Receivable Credit Quality Indicators
The following table lists the loan credit risk grades utilized by the Company that serve as credit quality indicators at December 31, 2013 and September 30, 2013 (dollars in thousands):

December 31, 2013
Loan Grades
 
 
 
Pass
 
Watch
 
Special
Mention
 
Substandard
 
Total
Mortgage loans:
 
 
 
 
 
 
 
 
 
One- to four-family
$
90,870

 
$
735

 
$
2,015

 
$
7,249

 
$
100,869

Multi-family
39,365

 

 
8,073

 
774

 
48,212

Commercial
272,616

 
3,072

 
16,459

 
7,497

 
299,644

Construction – custom and owner/builder
27,357

 

 

 

 
27,357

Construction – speculative one- to four-family
906

 
686

 

 

 
1,592

Construction – commercial
3,050

 

 

 

 
3,050

Construction – multi-family

 

 

 
143

 
143

Construction – land development

 

 

 
190

 
190

Land
22,404

 
160

 
2,516

 
6,384

 
31,464

Consumer loans:
 

 
 

 
 

 
 

 
 

Home equity and second mortgage
30,241

 
846

 
203

 
911

 
32,201

Other
5,919

 
39

 

 
5

 
5,963

Commercial business loans
17,564

 
62

 
101

 
5

 
17,732

Total
$
510,292

 
$
5,600

 
$
29,367

 
$
23,158

 
$
568,417

September 30, 2013
 

 
 

 
 

 
 

 
 

Mortgage loans:
 
 
 

 
 

 
 

 
 

One- to four-family
$
91,291

 
$
4,032

 
$
769

 
$
8,206

 
$
104,298

Multi-family
41,863

 
132

 
8,337

 
776

 
51,108

Commercial
262,502

 
3,309

 
12,522

 
12,964

 
291,297

Construction – custom and owner/builder
22,788

 

 

 

 
22,788

Construction – speculative one- to four-family
236

 
687

 

 

 
923

Construction – commercial
2,239

 

 

 

 
2,239

Construction – multi-family

 

 

 
144

 
144

Construction – land development

 

 

 
515

 
515

Land
20,627

 
5,101

 
1,129

 
4,287

 
31,144

Consumer loans:
 

 
 

 
 

 
 

 
 

Home equity and second mortgage
31,096

 
782

 
55

 
1,081

 
33,014

Other
5,937

 
39

 

 
5

 
5,981

Commercial business loans
17,029

 
366

 
104

 

 
17,499

Total
$
495,608

 
$
14,448

 
$
22,916

 
$
27,978

 
$
560,950

Past Due Status of Loans Receivable
The following tables present an age analysis of past due status of loans by category at December 31, 2013 and September 30, 2013 (dollars in thousands):

 
30–59
Days
Past Due
 
60-89
Days
Past Due
 
Non-
Accrual
 
Past Due
90 Days
or More
and Still
Accruing
 
Total
Past Due
 
Current
 
Total
Loans
December 31, 2013
 
 
 
 
 
 
 
 
 
 
 
 
 
Mortgage loans:
 
 
 
 
 
 
 
 
 
 
 
 
 
One- to four-family
$

 
$
645

 
$
6,184

 
$

 
$
6,829

 
$
94,040

 
$
100,869

Multi-family

 

 

 

 

 
48,212

 
48,212

Commercial
169

 

 
2,017

 

 
2,186

 
297,458

 
299,644

Construction – custom and owner/builder

 
600

 

 

 
600

 
26,757

 
27,357

Construction – speculative one- to four- family

 
686

 

 

 
686

 
906

 
1,592

Construction – commercial

 

 

 

 

 
3,050

 
3,050

Construction – multi-family

 

 
143

 

 
143

 

 
143

Construction – land development

 

 
190

 

 
190

 

 
190

Land
166

 
849

 
5,371

 

 
6,386

 
25,078

 
31,464

Consumer loans:
 

 
 

 
 

 
 

 
 

 
 
 
 

Home equity and second mortgage

 
23

 
226

 
153

 
402

 
31,799

 
32,201

Other
52

 
54

 
5

 

 
111

 
5,852

 
5,963

Commercial business loans
83

 
172

 
5

 

 
260

 
17,472

 
17,732

Total
$
470

 
$
3,029

 
$
14,141

 
$
153

 
$
17,793

 
$
550,624

 
$
568,417

 
 
 
 
 
 
 
 
 
 
 
 
 
 
September 30, 2013
 

 
 

 
 

 
 

 
 

 
 

 
 

Mortgage loans:
 

 
 

 
 

 
 

 
 

 
 

 
 

One- to four-family
$
14

 
$
1,218

 
$
6,985

 
$

 
$
8,217

 
$
96,081

 
$
104,298

Multi-family

 

 

 

 

 
51,108

 
51,108

Commercial

 
2,537

 
3,435

 

 
5,972

 
285,325

 
291,297

   Construction – custom and owner/
       builder

 

 

 

 

 
22,788

 
22,788

Construction – speculative one- to four- family

 

 

 

 

 
923

 
923

Construction – commercial

 

 

 

 

 
2,239

 
2,239

Construction – multi-family

 

 
144

 

 
144

 

 
144

Construction – land development

 

 
515

 

 
515

 

 
515

Land

 

 
2,146

 
284

 
2,430

 
28,714

 
31,144

Consumer loans:
 

 
 

 
 

 
 

 
 

 
 

 


Home equity and second mortgage
101

 
20

 
380

 
152

 
653

 
32,361

 
33,014

Other
1

 
39

 
5

 

 
45

 
5,936

 
5,981

Commercial business loans
83

 
15

 

 

 
98

 
17,401

 
17,499

Total
$
199

 
$
3,829

 
$
13,610

 
$
436

 
$
18,074

 
$
542,876

 
$
560,950

Impaired Loans Receivable
Following is a summary of information related to impaired loans as of December 31, 2013 and for the three months then ended (in thousands):
 
 
 
 
 
 
 
 
 
 
 
 
 
Recorded
Investment
 
Unpaid Principal Balance (Loan Balance Plus Charge Off)
 
Related
Allowance
 
YTD Average Recorded Investment (1)
 
YTD Interest Income Recognized (1)
 
YTD Cash Basis Interest Income Recognized (1)
With no related allowance recorded:
 
 
 
 
 
 
 
 
 
 
 
Mortgage loans:
 
 
 
 
 
 
 
 
 
 
 
One- to four-family
$
5,328

 
$
5,983

 
$

 
$
3,424

 
$

 
$

Multi-family

 
982

 

 
473

 

 

Commercial
5,208

 
8,335

 

 
8,303

 
66

 
87

Construction – custom and owner/builder

 

 

 
55

 

 

Construction – speculative one- to four-family

 

 

 

 

 

Construction – multi-family
143

 
608

 

 
253

 

 

Construction – land development
190

 
2,060

 

 
454

 

 

Land
948

 
1,600

 

 
2,511

 
2

 
3

Consumer loans:
 
 
 
 
 

 
 
 
 
 
 
Home equity and second mortgage
226

 
430

 

 
259

 

 

Other
5

 
5

 

 
8

 

 

Commercial business loans
5

 
44

 

 
1

 

 

Subtotal
12,053

 
20,047

 

 
15,741

 
68

 
90

 
 
 
 
 
 
 
 
 
 
 
 
With an allowance recorded:
 

 
 

 
 

 
 
 
 
 
 
Mortgage loans:
 

 
 

 
 

 
 
 
 
 
 
One- to four-family
2,845

 
2,845

 
440

 
4,211

 
21

 
28

Multi-family
4,934

 
4,934

 
131

 
5,571

 
52

 
69

Commercial
12,804

 
12,804

 
1,515

 
9,693

 
135

 
164

Construction – custom and owner/builder

 

 

 
40

 

 

Construction – speculative one- to four-family
686

 
686

 
84

 
692

 
7

 
11

Construction – multi-family

 

 

 

 

 

Construction - land development

 

 

 

 

 

Land
4,666

 
4,677

 
368

 
2,370

 
6

 
6

Consumer loans:
 
 
 
 
 
 
 
 
 
 
 
Home equity and second mortgage
299

 
299

 
55

 
351

 
3

 
4

Other 

 

 

 

 

 

Commercial business loans

 

 

 

 

 

Subtotal
26,234

 
26,245

 
2,593

 
22,928

 
224

 
282

 
 
 
 
 
 
 
 
 
 
 
 
Total
 

 
 

 
 

 
 
 
 
 
 
Mortgage loans:
 

 
 

 
 

 
 
 
 
 
 
One- to four-family
$
8,173

 
$
8,828

 
$
440

 
$
7,635

 
$
21

 
$
28

Multi-family
4,934

 
5,916

 
131

 
6,044

 
52

 
69

Commercial
18,012

 
21,139

 
1,515

 
17,996

 
201

 
251

Construction – custom and owner/builder

 

 

 
95

 

 

Construction – speculative one- to four-family
686

 
686

 
84

 
692

 
7

 
11

Construction – multi-family
143

 
608

 

 
253

 

 

Construction – land development
190

 
2,060

 

 
454

 

 

Land
5,614

 
6,277

 
368

 
4,881

 
8

 
9

Consumer loans:
 
 
 
 
 
 
 
 
 
 

Home equity and second mortgage
525

 
729

 
55

 
610

 
3

 
4

Other
5

 
5

 

 
8

 

 

Commercial business loans
5

 
44

 

 
1

 

 

Total
$
38,287

 
$
46,292

 
$
2,593

 
$
38,669

 
$
292

 
$
372

________________________________________________
(1)
For the three months ended December 31, 2013

The following is a summary of information related to impaired loans as of and for the year ended September 30, 2013 (in thousands):
 
Recorded
Investment
 
Unpaid Principal Balance (Loan Balance Plus Charge Off)
 
Related
Allowance
 
YTD
Average
Recorded
Investment (1)
 
YTD Interest
Income
Recognized
(1)
 
YTD Cash Basis Interest Income Recognized (1)
With no related allowance recorded:
 
 
 
 
 
 
 
 
 
 
 
Mortgage loans:
 
 
 
 
 
 
 
 
 
 
 
One- to four-family
$
5,342

 
$
5,775

 
$

 
$
2,661

 
$
18

 
$
13

Multi-family

 
982

 

 
473

 
3

 
3

Commercial
4,879

 
8,005

 

 
8,781

 
322

 
267

Construction – custom and owner/builder

 

 

 
97

 

 

Construction – speculative one- to four-family

 

 

 
65

 

 

Construction – multi-family
143

 
608

 

 
293

 

 

Construction – land development
515

 
3,279

 

 
534

 

 

Land
1,188

 
2,133

 

 
3,519

 
9

 
8

Consumer loans:
 

 
 

 
 

 
 

 
 

 
 

Home equity and second mortgage
380

 
556

 

 
266

 

 

Other
6

 
6

 

 
8

 

 

Commercial business loans

 
33

 

 

 

 

Subtotal
12,453

 
21,377

 

 
16,697

 
352

 
291

 
 
 
 
 
 
 
 
 
 
 
 
With an allowance recorded:
 

 
 

 
 

 
 

 
 

 
 

Mortgage loans:
 

 
 

 
 

 
 

 
 

 
 

One- to four-family
3,642

 
3,726

 
600

 
4,397

 
91

 
68

Multi-family
5,184

 
5,184

 
334

 
5,960

 
301

 
230

Commercial
14,631

 
15,297

 
1,763

 
9,052

 
526

 
420

Construction – custom and owner/builder

 

 

 
60

 

 

Construction – speculative one- to four-family
687

 
687

 
88

 
695

 
29

 
16

Construction – multi-family

 

 

 

 

 

Land
1,203

 
1,226

 
234

 
1,962

 
27

 
27

Consumer loans:
 

 
 

 
 

 
 

 
 

 
 

Home equity and second mortgage
299

 
299

 
57

 
352

 
16

 
12

Other

 

 

 

 

 

Subtotal
25,646

 
26,419

 
3,076

 
22,478

 
990

 
773

Total
 

 
 

 
 

 
 

 
 

 
 

Mortgage loans:
 

 
 

 
 

 
 

 
 

 
 

One- to four-family
8,984

 
9,501

 
600

 
7,058

 
109

 
81

Multi-family
5,184

 
6,166

 
334

 
6,433

 
304

 
233

Commercial
19,510

 
23,302

 
1,763

 
17,833

 
848

 
687

Construction – custom and owner/builder

 

 

 
157

 

 

Construction – speculative one- to four-family
687

 
687

 
88

 
760

 
29

 
16

Construction – multi-family
143

 
608

 

 
293

 

 

Construction – land development
515

 
3,279

 

 
534

 

 

Land
2,391

 
3,359

 
234

 
5,481

 
36

 
35

Consumer loans:
 

 
 

 
 

 
 

 
 

 
 

Home equity and second mortgage
679

 
855

 
57

 
618

 
16

 
12

Other
6

 
6

 

 
8

 

 

Commercial business loans

 
33

 

 

 

 

Total
$
38,099

 
$
47,796

 
$
3,076

 
$
39,175

 
$
1,342

 
$
1,064

______________________________________________
(1) For the year ended September 30, 201
Schedule of Non-performing Assets, Loans Receivable
The following table sets forth information with respect to the Company’s non-performing assets at December 31, 2013 and September 30, 2013 (dollars in thousands):

 
December 31,
2013

 
September 30,
2013

Loans accounted for on a non-accrual basis:
 
 
 
Mortgage loans:
 
 
 
    One- to four-family
$
6,184

 
$
6,985

    Multi-family

 

    Commercial
2,017

 
3,435

    Construction – custom and owner/builder

 

    Construction – speculative one- to four-family

 

    Construction – multi-family
143

 
144

    Construction – land development
190

 
515

    Land
5,371

 
2,146

Consumer loans:
 

 
 

    Home equity and second mortgage
226

 
380

Other
5

 
5

Commercial business loans
5

 

       Total loans accounted for on a non-accrual basis
14,141

 
13,610

 
 
 
 
Accruing loans which are contractually
past due 90 days or more
153

 
436

 
 
 
 
Total of non-accrual and 90 days past due loans
14,294

 
14,046

 
 
 
 
Non-accrual investment securities
2,092

 
2,187

 
 
 
 
OREO and other repossessed assets, net
12,483

 
11,720

       Total non-performing assets (1)
$
28,869

 
$
27,953

 
 
 
 
Troubled debt restructured loans on accrual status (2)
$
18,260

 
$
18,573

 
 
 
 
Non-accrual and 90 days or more past
due loans as a percentage of loans receivable
2.52
%
 
2.51
%
 
 
 
 
Non-accrual and 90 days or more past
due loans as a percentage of total assets
1.96
%
 
1.88
%
 
 
 
 
Non-performing assets as a percentage of total assets
3.97
%
 
3.75
%
 
 
 
 
Loans receivable (3)
$
566,649

 
$
559,240

 
 
 
 
Total assets
$
727,933

 
$
745,648

___________________________________
(1) Does not include troubled debt restructured loans on accrual status.
(2) Does not include troubled debt restructured loans totaling $3.2 million and $4.0 million reported as non-accrual loans at December 31, 2013 and September 30, 2013, respectively.
(3)  Includes loans held for sale and before the allowance for loan losses.

Schedule of Troubled Debt Restructured Loans by Interest Accrual Status
The following table sets forth information with respect to the Company’s troubled debt restructured loans by interest accrual status as of December 31, 2013 and September 30, 2013 (dollars in thousands):

 
December 31, 2013
 
Accruing
 
Non-
Accrual
 
Total
Mortgage loans:
 
 
 
 
 
One- to four-family
$
1,989

 
$
195

 
$
2,184

Multi-family
4,934

 

 
4,934

Commercial
10,109

 
1,547

 
11,656

Construction – speculative one- to four-family
686

 

 
686

Construction – land development

 
190

 
190

Land
243

 
1,092

 
1,335

Consumer loans:
 

 
 

 
 

Home equity and second mortgage
299

 
152

 
451

Total
$
18,260

 
$
3,176

 
$
21,436




 
September 30, 2013
 
Accruing
 
Non-
Accrual
 
Total
Mortgage loans:
 
 
 
 
 
One- to four-family
$
1,999

 
$
198

 
$
2,197

Multi-family
5,184

 

 
5,184

Commercial
10,160

 
1,574

 
11,734

Construction – speculative one- to four-family
687

 

 
687

Construction – land development

 
515

 
515

Land
244

 
1,564

 
1,808

Consumer loans:
 

 
 

 
 

Home equity and second mortgage
299

 
180

 
479

Total
$
18,573

 
$
4,031

 
$
22,604


Schedule of Troubled Debt Restructurings by Portfolio Segment