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Loans Receivable And Allowance For Loan Losses (Tables) | 3 Months Ended
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Dec. 31, 2018
Accounts, Notes, Loans and Financing Receivable, Gross, Allowance, and Net [Abstract] |
Schedule of Loans receivable and Loans held for sale | Loans receivable by portfolio segment consisted of the following at December 31, 2018 and September 30, 2018 (dollars in thousands):
| December 31, 2018 |  | September 30, 2018
| Amount |  | Percent |  | Amount |  | Percent
Mortgage loans: |  |  |  |  |  |  |
One- to four-family (1) | $ | 130,219 |  |  | 13.4 | % |  | $ | 115,941 |  |  | 14.1 | %
Multi-family | 72,076 |  |  | 7.4 |  |  | 61,928 |  |  | 7.5 |
Commercial | 426,144 |  |  | 43.9 |  |  | 345,113 |  |  | 42.0 |
Construction - custom and owner/builder | 119,214 |  |  | 12.3 |  |  | 119,555 |  |  | 14.6 |
Construction - speculative one- to four-family | 17,934 |  |  | 1.9 |  |  | 15,433 |  |  | 1.9 |
Construction - commercial | 42,416 |  |  | 4.4 |  |  | 39,590 |  |  | 4.8 |
Construction - multi-family | 25,645 |  |  | 2.6 |  |  | 10,740 |  |  | 1.3 |
Construction - land development | 10,578 |  |  | 1.1 |  |  | 3,040 |  |  | 0.4 |
Land | 22,734 |  |  | 2.3 |  |  | 25,546 |  |  | 3.1 |
Total mortgage loans | 866,960 |  |  | 89.3 |  |  | 736,886 |  |  | 89.8 |
Consumer loans: |  |  |  |  |  |  |  |  |  |  |
Home equity and second mortgage | 40,468 |  |  | 4.2 |  |  | 37,341 |  |  | 4.5 |
Other | 4,443 |  |  | 0.5 |  |  | 3,515 |  |  | 0.5 |
Total consumer loans | 44,911 |  |  | 4.7 |  |  | 40,856 |  |  | 5.0 |
Commercial business loans | 58,202 |  |  | 6.0 |  |  | 43,053 |  |  | 5.2 |
Total loans receivable | 970,073 |  |  | 100.0 | % |  | 820,795 |  |  | 100.0 | %
Less: |  |  |  |  |  |  |  |  |  |  |
Undisbursed portion of construction loans in process | 100,595 |  |  |  |  |  | 83,237 |  |  |  |
Deferred loan origination fees, net | 2,875 |  |  |  |  |  | 2,637 |  |  |  |
Allowance for loan losses | 9,533 |  |  |  |  |  | 9,530 |  |  |  |
| 113,003 |  |  |  |  | 95,404 |  |  |
Loans receivable, net | $ | 857,070 |  |  |  |  |  | $ | 725,391 |  |  |  |
_____________________________ |  |  |  |  |  |  |
(1) Does not include one- to four-family loans held for sale totaling $2,988 and $1,785 at December 31, 2018 and September 30, 2018, respectively.
Schedule of Allowance for Loan Losses | The following tables set forth information for the three months ended December 31, 2018 and 2017 regarding activity in the allowance for loan losses by portfolio segment (dollars in thousands):
| Three Months Ended December 31, 2018
| Beginning Allowance |  | Provision for (Recapture of) Loan Losses |  | Charge- offs |  | Recoveries |  | Ending Allowance
Mortgage loans: |  |  |  |  |  |  |  |  |
One- to four-family | $ | 1,086 |  |  | $ | 73 |  |  | $ | — |  |  | $ | — |  |  | $ | 1,159 |
Multi-family | 433 |  |  | 16 |  |  | — |  |  | — |  |  | 449 |
Commercial | 4,248 |  |  | (9 | ) |  | — |  |  | — |  |  | 4,239 |
Construction – custom and owner/builder | 671 |  |  | (28 | ) |  | — |  |  | — |  |  | 643 |
Construction – speculative one- to four-family | 178 |  |  | 28 |  |  | — |  |  | — |  |  | 206 |
Construction – commercial | 563 |  |  | (177 | ) |  | — |  |  | — |  |  | 386 |
Construction – multi-family | 135 |  |  | 74 |  |  | — |  |  | — |  |  | 209 |
Construction – land development | 49 |  |  | 94 |  |  | — |  |  | — |  |  | 143 |
Land | 844 |  |  | (91 | ) |  | — |  |  | 4 |  |  | 757 |
Consumer loans: |  |  |  |  |  |  |  |  |  |  |  |  |
Home equity and second mortgage | 649 |  |  | 17 |  |  | — |  |  | — |  |  | 666 |
Other | 117 |  |  | (15 | ) |  | (2 | ) |  | 1 |  |  | 101 |
Commercial business loans | 557 |  |  | 18 |  |  | — |  |  | — |  |  | 575 |
Total | $ | 9,530 |  |  | $ | — |  |  | $ | (2 | ) |  | $ | 5 |  |  | $ | 9,533 |
| Three Months Ended December 31, 2017
| Beginning Allowance |  | Provision for (Recapture of) Loan Losses |  | Charge- offs |  | Recoveries |  | Ending Allowance
Mortgage loans: |  |  |  |  |  |  |  |  |
One- to four-family | $ | 1,082 |  |  | $ | 43 |  |  | $ | — |  |  | $ | — |  |  | $ | 1,125 |
Multi-family | 447 |  |  | (17 | ) |  | — |  |  | — |  |  | 430
Commercial | 4,184 |  |  | (91 | ) |  | — |  |  | — |  |  | 4,093
Construction – custom and owner/builder | 699 |  |  | 89 |  |  | — |  |  | — |  |  | 788
Construction – speculative one- to four-family | 128 |  |  | (61 | ) |  | — |  |  | 8 |  |  | 75
Construction – commercial | 303 |  |  | 93 |  |  | — |  |  | — |  |  | 396
Construction – multi-family | 173 |  |  | 55 |  |  | — |  |  | — |  |  | 228 |
Land | 918 |  |  | (142 | ) |  | — |  |  | 4 |  |  | 780
Consumer loans: |  |  |  |  |  |  |  |  |
Home equity and second mortgage | 983 |  |  | (25 | ) |  | — |  |  | — |  |  | 958
Other | 121 |  |  | 8 |  |  | (1 | ) |  | 1 |  |  | 129
Commercial business loans | 515 |  |  | 48 |  |  | — |  |  | — |  |  | 563
Total | $ | 9,553 |  |  | $ | — |  |  | $ | (1 | ) |  | $ | 13 |  |  | $ | 9,565 |
Schedule of loans evaluated individually for impairment and collectively evaluated for impairment in the allowance for loan losses | The following tables present information on the loans evaluated individually and collectively for impairment in the allowance for loan losses by portfolio segment at December 31, 2018 and September 30, 2018 (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, 2018 |  |  |  |  |  |  |  |  |  |  |
Mortgage loans: |  |  |  |  |  |  |  |  |  |  |
One- to four-family | $ | — |  |  | $ | 1,159 |  |  | $ | 1,159 |  |  | $ | 1,014 |  |  | $ | 129,205 |  |  | $ | 130,219 |
Multi-family | — |  |  | 449 |  |  | 449 |  |  | — |  |  | 72,076 |  |  | 72,076 |
Commercial | — |  |  | 4,239 |  |  | 4,239 |  |  | 2,436 |  |  | 423,708 |  |  | 426,144 |
Construction – custom and owner/builder | — |  |  | 643 |  |  | 643 |  |  | — |  |  | 64,313 |  |  | 64,313 |
Construction – speculative one- to four-family | — |  |  | 206 |  |  | 206 |  |  | — |  |  | 9,221 |  |  | 9,221 |
Construction – commercial | — |  |  | 386 |  |  | 386 |  |  | — |  |  | 25,883 |  |  | 25,883 |
Construction – multi-family | — |  |  | 209 |  |  | 209 |  |  | — |  |  | 9,333 |  |  | 9,333 |
Construction – land development | — |  |  | 143 |  |  | 143 |  |  | — |  |  | 6,442 |  |  | 6,442 |
Land | 79 |  |  | 678 |  |  | 757 |  |  | 396 |  |  | 22,338 |  |  | 22,734 |
Consumer loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Home equity and second mortgage | — |  |  | 666 |  |  | 666 |  |  | 386 |  |  | 40,082 |  |  | 40,468 |
Other | — |  |  | 101 |  |  | 101 |  |  | — |  |  | 4,443 |  |  | 4,443 |
Commercial business loans | 58 |  |  | 517 |  |  | 575 |  |  | 299 |  |  | 57,903 |  |  | 58,202 |
Total | $ | 137 |  |  | $ | 9,396 |  |  | $ | 9,533 |  |  | $ | 4,531 |  |  | $ | 864,947 |  |  | $ | 869,478 |
September 30, 2018 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Mortgage loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
One- to four-family | $ | — |  |  | $ | 1,086 |  |  | $ | 1,086 |  |  | $ | 1,054 |  |  | $ | 114,887 |  |  | $ | 115,941 |
Multi-family | — |  |  | 433 |  |  | 433 |  |  | — |  |  | 61,928 |  |  | 61,928 |
Commercial | — |  |  | 4,248 |  |  | 4,248 |  |  | 2,446 |  |  | 342,667 |  |  | 345,113 |
Construction – custom and owner/builder | — |  |  | 671 |  |  | 671 |  |  | — |  |  | 67,024 |  |  | 67,024 |
Construction – speculative one- to four-family | — |  |  | 178 |  |  | 178 |  |  | — |  |  | 7,107 |  |  | 7,107 |
Construction – commercial | — |  |  | 563 |  |  | 563 |  |  | — |  |  | 23,440 |  |  | 23,440 |
Construction – multi-family | — |  |  | 135 |  |  | 135 |  |  | — |  |  | 5,983 |  |  | 5,983 |
Construction – land development | — |  |  | 49 |  |  | 49 |  |  | — |  |  | 1,567 |  |  | 1,567 |
Land | 34 |  |  | 810 |  |  | 844 |  |  | 243 |  |  | 25,303 |  |  | 25,546 |
Consumer loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Home equity and second mortgage | — |  |  | 649 |  |  | 649 |  |  | 359 |  |  | 36,982 |  |  | 37,341 |
Other | — |  |  | 117 |  |  | 117 |  |  | — |  |  | 3,515 |  |  | 3,515 |
Commercial business loans | 63 |  |  | 494 |  |  | 557 |  |  | 170 |  |  | 42,883 |  |  | 43,053 |
Total | $ | 97 |  |  | $ | 9,433 |  |  | $ | 9,530 |  |  | $ | 4,272 |  |  | $ | 733,286 |  |  | $ | 737,558 |
Past Due Status of Loans Receivable | The following tables present an analysis of loans by aging category and portfolio segment at December 31, 2018 and September 30, 2018 (dollars in thousands):
| 30–59 Days Past Due |  | 60-89 Days Past Due |  | Non- Accrual (1) |  | Past Due 90 Days or More and Still Accruing |  | Total Past Due |  | Current |  | Total Loans
December 31, 2018 |  |  |  |  |  |  |  |  |  |  |  |  |
Mortgage loans: |  |  |  |  |  |  |  |  |  |  |  |  |
One- to four-family | $ | — |  |  | $ | — |  |  | $ | 509 |  |  | $ | — |  |  | $ | 509 |  |  | $ | 129,710 |  |  | $ | 130,219 |
Multi-family | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 72,076 |  |  | 72,076 |
Commercial | 317 |  |  | 776 |  |  | — |  |  | — |  |  | 1,093 |  |  | 425,051 |  |  | 426,144 |
Construction – custom and owner/builder | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 64,313 |  |  | 64,313 |
Construction – speculative one- to four- family | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 9,221 |  |  | 9,221 |
Construction – commercial | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 25,883 |  |  | 25,883 |
Construction – multi-family | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 9,333 |  |  | 9,333 |
Construction – land development | 228 |  |  | — |  |  | — |  |  | — |  |  | 228 |  |  | 6,214 |  |  | 6,442 |
Land | — |  |  | 108 |  |  | 396 |  |  | — |  |  | 504 |  |  | 22,230 |  |  | 22,734 |
Consumer loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Home equity and second mortgage | — |  |  | 37 |  |  | 386 |  |  | — |  |  | 423 |  |  | 40,045 |  |  | 40,468 |
Other | 10 |  |  | 16 |  |  | — |  |  | — |  |  | 26 |  |  | 4,417 |  |  | 4,443 |
Commercial business loans | 174 |  |  | — |  |  | 299 |  |  | — |  |  | 473 |  |  | 57,729 |  |  | 58,202 |
Total | $ | 729 |  |  | $ | 937 |  |  | $ | 1,590 |  |  | $ | — |  |  | $ | 3,256 |  |  | $ | 866,222 |  |  | $ | 869,478 |
September 30, 2018 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Mortgage loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
One- to four-family | $ | 557 |  |  | $ | — |  |  | $ | 545 |  |  | $ | — |  |  | $ | 1,102 |  |  | $ | 114,839 |  |  | $ | 115,941 |
Multi-family | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 61,928 |  |  | 61,928 |
Commercial | 574 |  |  | — |  |  | — |  |  | — |  |  | 574 |  |  | 344,539 |  |  | 345,113 |
Construction – custom and owner/ builder | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 67,024 |  |  | 67,024 |
Construction – speculative one- to four- family | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 7,107 |  |  | 7,107 |
Construction – commercial | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 23,440 |  |  | 23,440 |
Construction – multi-family | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 5,983 |  |  | 5,983 |
Construction – land development | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 1,567 |  |  | 1,567 |
Land | 40 |  |  | — |  |  | 243 |  |  | — |  |  | 283 |  |  | 25,263 |  |  | 25,546 |
Consumer loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Home equity and second mortgage | 42 |  |  | — |  |  | 359 |  |  | — |  |  | 401 |  |  | 36,940 |  |  | 37,341 |
Other | 10 |  |  | 16 |  |  | — |  |  | — |  |  | 26 |  |  | 3,489 |  |  | 3,515 |
Commercial business loans | — |  |  | — |  |  | 170 |  |  | — |  |  | 170 |  |  | 42,883 |  |  | 43,053 |
Total | $ | 1,223 |  |  | $ | 16 |  |  | $ | 1,317 |  |  | $ | — |  |  | $ | 2,556 |  |  | $ | 735,002 |  |  | $ | 737,558 |
______________________ (1) Includes non-accrual loans past due 90 days or more and other loans classified as non-accrual.
Financing Receivable Credit Quality Indicators | The following tables present an analysis of loans by credit quality indicator and portfolio segment at December 31, 2018 and September 30, 2018 (dollars in thousands):
| Loan Grades |  |
December 31, 2018 | Pass |  | Watch |  | Special Mention |  | Substandard |  | Total
Mortgage loans: |  |  |  |  |  |  |  |  |
One- to four-family | $ | 127,116 |  |  | $ | 707 |  |  | $ | 574 |  |  | $ | 1,822 |  |  | $ | 130,219 |
Multi-family | 72,076 |  |  | — |  |  | — |  |  | — |  |  | 72,076 |
Commercial | 416,329 |  |  | 8,332 |  |  | 649 |  |  | 834 |  |  | 426,144 |
Construction – custom and owner/builder | 64,094 |  |  | 219 |  |  | — |  |  | — |  |  | 64,313 |
Construction – speculative one- to four-family | 9,221 |  |  | — |  |  | — |  |  | — |  |  | 9,221 |
Construction – commercial | 25,883 |  |  | — |  |  | — |  |  | — |  |  | 25,883 |
Construction – multi-family | 9,333 |  |  | — |  |  | — |  |  | — |  |  | 9,333 |
Construction – land development | 6,442 |  |  | — |  |  | — |  |  | — |  |  | 6,442 |
Land | 20,116 |  |  | 979 |  |  | 1,243 |  |  | 396 |  |  | 22,734 |
Consumer loans: |  |  |  |  |  |  |  |  |  |  |  |  |
Home equity and second mortgage | 39,802 |  |  | 82 |  |  | — |  |  | 584 |  |  | 40,468 |
Other | 4,409 |  |  | 34 |  |  | — |  |  | — |  |  | 4,443 |
Commercial business loans | 57,735 |  |  | 119 |  |  | 49 |  |  | 299 |  |  | 58,202 |
Total | $ | 852,556 |  |  | $ | 10,472 |  |  | $ | 2,515 |  |  | $ | 3,935 |  |  | $ | 869,478 |
September 30, 2018 |  |  |  |  |  |  |  |  |  |  |  |  |  |
Mortgage loans: |  |  |  |  |  |  |  |  |  |  |  |  |
One- to four-family | $ | 113,148 |  |  | $ | 882 |  |  | $ | 581 |  |  | $ | 1,330 |  |  | $ | 115,941 |
Multi-family | 61,928 |  |  | — |  |  | — |  |  | — |  |  | 61,928 |
Commercial | 334,908 |  |  | 8,375 |  |  | 988 |  |  | 842 |  |  | 345,113 |
Construction – custom and owner/builder | 66,720 |  |  | 304 |  |  | — |  |  | — |  |  | 67,024 |
Construction – speculative one- to four-family | 7,107 |  |  | — |  |  | — |  |  | — |  |  | 7,107 |
Construction – commercial | 23,440 |  |  | — |  |  | — |  |  | — |  |  | 23,440 |
Construction – multi-family | 5,983 |  |  | — |  |  | — |  |  | — |  |  | 5,983 |
Construction – land development | 1,567 |  |  | — |  |  | — |  |  | — |  |  | 1,567 |
Land | 22,810 |  |  | 988 |  |  | 1,505 |  |  | 243 |  |  | 25,546 |
Consumer loans: |  |  |  |  |  |  |  |  |  |  |  |  |
Home equity and second mortgage | 36,697 |  |  | 82 |  |  | — |  |  | 562 |  |  | 37,341 |
Other | 3,480 |  |  | — |  |  | — |  |  | 35 |  |  | 3,515 |
Commercial business loans | 42,812 |  |  | 22 |  |  | 49 |  |  | 170 |  |  | 43,053 |
Total | $ | 720,600 |  |  | $ | 10,653 |  |  | $ | 3,123 |  |  | $ | 3,182 |  |  | $ | 737,558 |
Impaired Loans Receivable | The following table is a summary of information related to impaired loans by portfolio segment as of December 31, 2018 and for the three months then ended (dollars in thousands):
| Recorded Investment |  | Unpaid Principal Balance (Loan Balance Plus Charge Off) |  | Related Allowance |  | Year to Date ("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 | $ | 1,014 |  |  | $ | 1,161 |  |  | $ | — |  |  | $ | 1,034 |  |  | $ | 18 |  |  | $ | 16 |
Commercial | 2,436 |  |  | 2,436 |  |  | — |  |  | 2,441 |  |  | 40 |  |  | 31 |
Land | — |  |  | 78 |  |  | — |  |  | 45 |  |  | — |  |  | — |
Consumer loans: |  |  |  |  |  |  |  |  |  |  |  |
Home equity and second mortgage | 386 |  |  | 386 |  |  | — |  |  | 373 |  |  | — |  |  | — |
Commercial business loans | 114 |  |  | 114 |  |  | — |  |  | 57 |  |  | — |  |  | — |
Subtotal | 3,950 |  |  | 4,175 |  |  | — |  |  | 3,950 |  |  | 58 |  |  | 47 |
With an allowance recorded: |  |  |  |  |  |  |  |  |  |  |  |  |  |
Mortgage loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |
Land | 396 |  |  | 396 |  |  | 79 |  |  | 198 |  |  | — |  |  | — |
Consumer loans: |  |  |  |  |  |  |  |  |  |  |
Home equity and second mortgage | — |  |  | — |  |  | — |  |  | 77 |  |  | — |  |  | — |
Commercial business loans | 185 |  |  | 185 |  |  | 58 |  |  | 178 |  |  | — |  |  | — |
Subtotal | 581 |  |  | 581 |  |  | 137 |  |  | 453 |  |  | — |  |  | — |
Total: |  |  |  |  |  |  |  |  |  |  |  |  |  |
Mortgage loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |
One- to four-family | 1,014 |  |  | 1,161 |  |  | — |  |  | 1,034 |  |  | 18 |  |  | 16 |
Commercial | 2,436 |  |  | 2,436 |  |  | — |  |  | 2,441 |  |  | 40 |  |  | 31 |
Land | 396 |  |  | 474 |  |  | 79 |  |  | 243 |  |  | — |  |  | — |
Consumer loans: |  |  |  |  |  |  |  |  |  |  |
Home equity and second mortgage | 386 |  |  | 386 |  |  | — |  |  | 450 |  |  | — |  |  | — |
Commercial business loans | 299 |  |  | 299 |  |  | 58 |  |  | 235 |  |  | — |  |  | — |
Total | $ | 4,531 |  |  | $ | 4,756 |  |  | $ | 137 |  |  | $ | 4,403 |  |  | $ | 58 |  |  | $ | 47 |
______________________________________________
(1) | For the three months ended December 31, 2018.
The following table is a summary of information related to impaired loans by portfolio segment as of and for the year ended September 30, 2018 (dollars in thousands):
| Recorded Investment |  | Unpaid Principal Balance (Loan Balance Plus Charge Off) |  | Related Allowance |  | Average Recorded Investment (1) |  | Interest Income Recognized (1) |  | Cash Basis Interest Income Recognized (1)
With no related allowance recorded: |  |  |  |  |  |  |  |  |  |  |
Mortgage loans: |  |  |  |  |  |  |  |  |  |  |
One- to four-family | $ | 1,054 |  |  | $ | 1,200 |  |  | $ | — |  |  | $ | 1,422 |  |  | $ | 80 |  |  | $ | 69 |
Commercial | 2,446 |  |  | 2,446 |  |  | — |  |  | 2,389 |  |  | 121 |  |  | 93 |
Land | 90 |  |  | 195 |  |  | — |  |  | 283 |  |  | 11 |  |  | 10 |
Consumer loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Home equity and second mortgage | 359 |  |  | 359 |  |  | — |  |  | 210 |  |  | 3 |  |  | 3 |
Subtotal | 3,949 |  |  | 4,200 |  |  | — |  |  | 4,304 |  |  | 215 |  |  | 175 |
With an allowance recorded: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Mortgage loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
One- to four-family | — |  |  | — |  |  | — |  |  | 9 |  |  | — |  |  | — |
Commercial | — |  |  | — |  |  | — |  |  | 760 |  |  | 28 |  |  | 21 |
Land | 153 |  |  | 153 |  |  | 34 |  |  | 383 |  |  | 9 |  |  | 8 |
Consumer loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Home equity and second mortgage | — |  |  | — |  |  | — |  |  | 310 |  |  | 16 |  |  | 13 |
Commercial business loans | 170 |  |  | 170 |  |  | 63 |  |  | 141 |  |  | — |  |  | — |
Subtotal | 323 |  |  | 323 |  |  | 97 |  |  | 1,603 |  |  | 53 |  |  | 42 |
Total: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Mortgage loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
One- to four-family | 1,054 |  |  | 1,200 |  |  | — |  |  | 1,431 |  |  | 80 |  |  | 69 |
Commercial | 2,446 |  |  | 2,446 |  |  | — |  |  | 3,149 |  |  | 149 |  |  | 114 |
Land | 243 |  |  | 348 |  |  | 34 |  |  | 666 |  |  | 20 |  |  | 18 |
Consumer loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Home equity and second mortgage | 359 |  |  | 359 |  |  | — |  |  | 520 |  |  | 19 |  |  | 16 |
Commercial business loans | 170 |  |  | 170 |  |  | 63 |  |  | 141 |  |  | — |  |  | — |
Total | $ | 4,272 |  |  | $ | 4,523 |  |  | $ | 97 |  |  | $ | 5,907 |  |  | $ | 268 |  |  | $ | 217 |
______________________________________________ (1) For the year ended September 30, 2018.
Schedule of Troubled Debt Restructured Loans by Interest Accrual Status | The following tables set forth information with respect to the Company’s TDRs by interest accrual status as of December 31, 2018 and September 30, 2018 (dollars in thousands):
| December 31, 2018
| Accruing |  | Non- Accrual |  | Total
Mortgage loans: |  |  |  |  |
One- to four-family | $ | 505 |  |  | $ | 146 |  |  | $ | 651 |
Commercial | 2,436 |  |  | — |  |  | 2,436 |
Commercial business loans | — |  |  | 162 |  |  | 162 |
Total | $ | 2,941 |  |  | $ | 308 |  |  | $ | 3,249 |
| September 30, 2018
| Accruing |  | Non- Accrual |  | Total
Mortgage loans: |  |  |  |  |
One- to four-family | $ | 509 |  |  | $ | — |  |  | $ | 509 |
Commercial | 2,446 |  |  | — |  |  | 2,446 |
Land | — |  |  | 153 |  |  | 153 |
Commercial business loans | — |  |  | 170 |  |  | 170 |
Total | $ | 2,955 |  |  | $ | 323 |  |  | $ | 3,278 |

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