XML 35 R25.htm IDEA: XBRL DOCUMENT
v3.20.2

Loans Receivable And Allowance For Loan Losses (Tables) | 9 Months Ended
--- | ---
Jun. 30, 2020
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 June 30, 2020 and September 30, 2019 (dollars in thousands):
| June 30, 2020 |  |  |  | September 30, 2019 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| Amount |  | Percent |  | Amount |  | Percent |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Mortgage loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
One- to four-family (1) | $ | 120,514 |  |  | 10.7 | % |  | $ | 132,661 |  |  | 13.4 | % |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Multi-family | 79,468 |  |  | 7.0 |  |  | 76,036 |  |  | 7.7 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial | 455,454 |  |  | 40.5 |  |  | 419,117 |  |  | 42.3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Construction - custom and owner/builder | 134,709 |  |  | 11.9 |  |  | 128,848 |  |  | 13.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Construction - speculative one- to four-family | 12,136 |  |  | 1.2 |  |  | 16,445 |  |  | 1.7 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Construction - commercial | 33,166 |  |  | 2.9 |  |  | 39,566 |  |  | 4.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Construction - multi-family | 27,449 |  |  | 2.4 |  |  | 36,263 |  |  | 3.6 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Construction - land development | 6,132 |  |  | 0.5 |  |  | 2,404 |  |  | 0.2 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Land | 27,009 |  |  | 2.4 |  |  | 30,770 |  |  | 3.1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Total mortgage loans | 896,037 |  |  | 79.5 |  |  | 882,110 |  |  | 89.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Consumer loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Home equity and second mortgage | 34,405 |  |  | 3.0 |  |  | 40,190 |  |  | 4.1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Other | 3,552 |  |  | 0.3 |  |  | 4,312 |  |  | 0.4 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Total consumer loans | 37,957 |  |  | 3.3 |  |  | 44,502 |  |  | 4.5 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial business | 71,586 |  |  | 6.3 |  |  | 64,764 |  |  | 6.5 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
U.S. Small Business Administration ("SBA") Paycheck Protection Program ("PPP") loans | 122,581 |  |  | 10.9 |  |  | — |  |  | — |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Total commercial business and SBA PPP loans | 194,167 |  |  | 17.2 | % |  | 64,764 |  |  | 6.5 | % |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Total loans receivable | 1,128,161 |  |  | 100.0 | % |  | 991,376 |  |  | 100.0 | % |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Less: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Undisbursed portion of construction loans in process | 95,785 |  |  |  |  | 92,226 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Deferred loan origination fees, net | 6,723 |  |  |  |  | 2,798 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Allowance for loan losses | 12,894 |  |  |  |  | 9,690 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 115,402 |  |  |  |  | 104,714 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Loans receivable, net | $ | 1,012,759 |  |  |  |  | $ | 886,662 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
_____________________________ |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
(1) Does not include one- to four-family loans held for sale totaling $9,837 and $6,071 at June 30, 2020 and September 30, 2019, respectively. |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Schedule of Allowance for Loan Losses | The following tables set forth information for the three and nine months ended June 30, 2020 and 2019 regarding activity in the allowance for loan losses by portfolio segment (dollars in thousands):
| Three Months Ended June 30, 2020 |  |  |  |  |  |  |  |
| Beginning Allowance |  | Provision for (Recapture of) Loan Losses |  | Charge- offs |  | Recoveries |  | Ending Allowance
Mortgage loans: |  |  |  |  |  |  |  |  |
One- to four-family | $ | 1,149 |  |  | $ | 14 |  |  | $ | — |  |  | $ | — |  |  | $ | 1,163 |
Multi-family | 595 |  |  | 70 |  |  | — |  |  | — |  |  | 665 |
Commercial | 5,762 |  |  | 957 |  |  | — |  |  | — |  |  | 6,719 |
Construction – custom and owner/builder | 697 |  |  | 110 |  |  | — |  |  | — |  |  | 807 |
Construction – speculative one- to four-family | 204 |  |  | (40) |  |  | — |  |  | — |  |  | 164 |
Construction – commercial | 423 |  |  | (119) |  |  | — |  |  | — |  |  | 304 |
Construction – multi-family | 394 |  |  | (76) |  |  | — |  |  | — |  |  | 318 |
Construction – land development | 80 |  |  | 27 |  |  | — |  |  | — |  |  | 107 |
Land | 678 |  |  | (41) |  |  | — |  |  | 5 |  |  | 642 |
Consumer loans: |  |  |  |  |  |  |  |  |
Home equity and second mortgage | 656 |  |  | (24) |  |  | — |  |  | — |  |  | 632 |
Other | 78 |  |  | (4) |  |  | (1) |  |  | — |  |  | 73 |
Commercial business loans | 1,174 |  |  | 126 |  |  | — |  |  | — |  |  | 1,300 |
SBA PPP loans | — |  |  | — |  |  | — |  |  | — |  |  | — |
Total | $ | 11,890 |  |  | $ | 1,000 |  |  | $ | (1) |  |  | $ | 5 |  |  | $ | 12,894 |
| Nine Months Ended June 30, 2020 |  |  |  |  |  |  |  |
| Beginning Allowance |  | Provision for (Recapture of) Loan Losses |  | Charge- offs |  | Recoveries |  | Ending Allowance
Mortgage loans: |  |  |  |  |  |  |  |  |
One-to four-family | $ | 1,167 |  |  | $ | (7) |  |  | $ | — |  |  | $ | 3 |  |  | $ | 1,163 |
Multi-family | 481 |  |  | 184 |  |  | — |  |  | — |  |  | 665 |
Commercial | 4,154 |  |  | 2,560 |  |  | — |  |  | 5 |  |  | 6,719 |
Construction – custom and owner/builder | 755 |  |  | 47 |  |  | — |  |  | 5 |  |  | 807 |
Construction – speculative one- to four-family | 212 |  |  | (48) |  |  | — |  |  | — |  |  | 164 |
Construction – commercial | 338 |  |  | (34) |  |  | — |  |  | — |  |  | 304 |
Construction – multi-family | 375 |  |  | (57) |  |  | — |  |  | — |  |  | 318 |
Construction – land development | 67 |  |  | 40 |  |  | — |  |  | — |  |  | 107 |
Land | 697 |  |  | (70) |  |  | — |  |  | 15 |  |  | 642 |
Consumer loans: |  |  |  |  |  |  |  |  |
Home equity and second mortgage | 623 |  |  | 9 |  |  | — |  |  | — |  |  | 632 |
Other | 99 |  |  | (17) |  |  | (12) |  |  | 3 |  |  | 73 |
Commercial business loans | 722 |  |  | 593 |  |  | (15) |  |  | — |  |  | 1,300 |
SBA PPP loans | — |  |  | — |  |  | — |  |  | — |  |  | — |
Total | $ | 9,690 |  |  | $ | 3,200 |  |  | $ | (27) |  |  | $ | 31 |  |  | $ | 12,894 |
| Three Months Ended June 30, 2019 |  |  |  |  |  |  |  |
| Beginning Allowance |  | Provision for (Recapture of) Loan Losses |  | Charge- offs |  | Recoveries |  | Ending Allowance
Mortgage loans: |  |  |  |  |  |  |  |  |
One- to four-family | $ | 1,154 |  |  | $ | (36) |  |  | $ | — |  |  | $ | — |  |  | $ | 1,118 |
Multi-family | 470 |  |  | (32) |  |  | — |  |  | — |  |  | 438
Commercial | 4,122 |  |  | (70) |  |  | — |  |  | — |  |  | 4,052
Construction – custom and owner/builder | 666 |  |  | 36 |  |  | — |  |  | — |  |  | 702
Construction – speculative one- to four-family | 249 |  |  | (28) |  |  | — |  |  | — |  |  | 221
Construction – commercial | 384 |  |  | — |  |  | — |  |  | — |  |  | 384
Construction – multi-family | 272 |  |  | 95 |  |  | — |  |  | — |  |  | 367 |
Construction – land development | 244 |  |  | (118) |  |  | — |  |  | — |  |  | 126 |
Land | 649 |  |  | 48 |  |  | (46) |  |  | 5 |  |  | 656
Consumer loans: |  |  |  |  |  |  |  |  |
Home equity and second mortgage | 667 |  |  | (21) |  |  | (1) |  |  | — |  |  | 645
Other | 112 |  |  | (25) |  |  | (1) |  |  | 1 |  |  | 87
Commercial business loans | 752 |  |  | 151 |  |  | (93) |  |  | 25 |  |  | 835
Total | $ | 9,741 |  |  | $ | — |  |  | $ | (141) |  |  | $ | 31 |  |  | $ | 9,631 |
| Nine Months Ended June 30, 2019 |  |  |  |  |  |  |  |
| Beginning Allowance |  | Provision for (Recapture of) Loan Losses |  | Charge- offs |  | Recoveries |  | Ending Allowance
Mortgage loans: |  |  |  |  |  |  |  |  |
One-to four-family | $ | 1,086 |  |  | $ | (35) |  |  | $ | — |  |  | $ | 67 |  |  | $ | 1,118 |
Multi-family | 433 |  | 5 |  |  | — |  |  | — |  |  | 438
Commercial | 4,248 |  | (346) |  |  | — |  |  | 150 |  |  | 4,052
Construction – custom and owner/builder | 671 |  | 31 |  |  | — |  |  | — |  |  | 702
Construction – speculative one- to four-family | 178 |  | 43 |  |  | — |  |  | — |  |  | 221
Construction – commercial | 563 |  | (179) |  |  | — |  |  | — |  |  | 384
Construction – multi-family | 135 |  |  | 232 |  |  | — |  |  | — |  |  | 367 |
Construction – land development | 49 |  |  | 77 |  |  | — |  |  | — |  |  | 126 |
Land | 844 |  | (155) |  |  | (46) |  |  | 13 |  |  | 656
Consumer loans: |  |  |  |  |  |  |  |  |
Home equity and second mortgage | 649 |  | 1 |  |  | (5) |  |  | — |  |  | 645
Other | 117 |  | (29) |  |  | (4) |  |  | 3 |  |  | 87
Commercial business loans | 557 |  | 355 |  |  | (102) |  |  | 25 |  |  | 835
Total | $ | 9,530 |  |  | $ | — |  |  | $ | (157) |  |  | $ | 258 |  |  | $ | 9,631 |
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 June 30, 2020 and September 30, 2019 (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
June 30, 2020 |  |  |  |  |  |  |  |  |  |  |
Mortgage loans: |  |  |  |  |  |  |  |  |  |  |
One- to four-family | $ | — |  |  | $ | 1,163 |  |  | $ | 1,163 |  |  | $ | 1,410 |  |  | $ | 119,104 |  |  | $ | 120,514 |
Multi-family | — |  |  | 665 |  |  | 665 |  |  | — |  |  | 79,468 |  |  | 79,468 |
Commercial | — |  |  | 6,719 |  |  | 6,719 |  |  | 3,267 |  |  | 452,187 |  |  | 455,454 |
Construction – custom and owner/builder | — |  |  | 807 |  |  | 807 |  |  | — |  |  | 73,011 |  |  | 73,011 |
Construction – speculative one- to four-family | — |  |  | 164 |  |  | 164 |  |  | — |  |  | 7,412 |  |  | 7,412 |
Construction – commercial | — |  |  | 304 |  |  | 304 |  |  | — |  |  | 19,793 |  |  | 19,793 |
Construction – multi-family | — |  |  | 318 |  |  | 318 |  |  | — |  |  | 14,430 |  |  | 14,430 |
Construction – land development | — |  |  | 107 |  |  | 107 |  |  | — |  |  | 3,161 |  |  | 3,161 |
Land | 25 |  |  | 617 |  |  | 642 |  |  | 186 |  |  | 26,823 |  |  | 27,009 |
Consumer loans: |  |  |  |  |  |  |  |  |  |  |
Home equity and second mortgage | — |  |  | 632 |  |  | 632 |  |  | 586 |  |  | 33,819 |  |  | 34,405 |
Other | — |  |  | 73 |  |  | 73 |  |  | 10 |  |  | 3,542 |  |  | 3,552 |
Commercial business loans | 38 |  |  | 1,262 |  |  | 1,300 |  |  | 432 |  |  | 71,154 |  |  | 71,586 |
SBA PPP loans | — |  |  | — |  |  | — |  |  | — |  |  | 122,581 |  |  | 122,581 |
Total | $ | 63 |  |  | $ | 12,831 |  |  | $ | 12,894 |  |  | $ | 5,891 |  |  | $ | 1,026,485 |  |  | $ | 1,032,376 |
September 30, 2019 |  |  |  |  |  |  |  |  |  |  |
Mortgage loans: |  |  |  |  |  |  |  |  |  |  |
One- to four-family | $ | — |  |  | $ | 1,167 |  |  | $ | 1,167 |  |  | $ | 1,192 |  |  | $ | 131,469 |  |  | $ | 132,661 |
Multi-family | — |  |  | 481 |  |  | 481 |  |  | — |  |  | 76,036 |  |  | 76,036 |
Commercial | — |  |  | 4,154 |  |  | 4,154 |  |  | 3,190 |  |  | 415,927 |  |  | 419,117 |
Construction – custom and owner/builder | — |  |  | 755 |  |  | 755 |  |  | — |  |  | 75,411 |  |  | 75,411 |
Construction – speculative one- to four-family | — |  |  | 212 |  |  | 212 |  |  | — |  |  | 10,779 |  |  | 10,779 |
Construction – commercial | — |  |  | 338 |  |  | 338 |  |  | — |  |  | 24,051 |  |  | 24,051 |
Construction – multi-family | — |  |  | 375 |  |  | 375 |  |  | — |  |  | 19,256 |  |  | 19,256 |
Construction – land development | — |  |  | 67 |  |  | 67 |  |  | — |  |  | 1,803 |  |  | 1,803 |
Land | 27 |  |  | 670 |  |  | 697 |  |  | 204 |  |  | 30,566 |  |  | 30,770 |
Consumer loans: |  |  |  |  |  |  |  |  |  |  |
Home equity and second mortgage | — |  |  | 623 |  |  | 623 |  |  | 603 |  |  | 39,587 |  |  | 40,190 |
Other | 17 |  |  | 82 |  |  | 99 |  |  | 23 |  |  | 4,289 |  |  | 4,312 |
Commercial business loans | 128 |  |  | 594 |  |  | 722 |  |  | 725 |  |  | 64,039 |  |  | 64,764 |
Total | $ | 172 |  |  | $ | 9,518 |  |  | $ | 9,690 |  |  | $ | 5,937 |  |  | $ | 893,213 |  |  | $ | 899,150 |
Past Due Status of Loans Receivable | The following tables present an analysis of loans by aging category and portfolio segment at June 30, 2020 and September 30, 2019 (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
June 30, 2020 |  |  |  |  |  |  |  |  |  |  |  |  |
Mortgage loans: |  |  |  |  |  |  |  |  |  |  |  |  |
One- to four-family | $ | — |  |  | $ | — |  |  | $ | 927 |  |  | $ | — |  |  | $ | 927 |  |  | $ | 119,587 |  |  | $ | 120,514 |
Multi-family | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 79,468 |  |  | 79,468 |
Commercial | — |  |  | 537 |  |  | 875 |  |  | — |  |  | 1,412 |  |  | 454,042 |  |  | 455,454 |
Construction – custom and owner/builder | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 73,011 |  |  | 73,011 |
Construction – speculative one- to four- family | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 7,412 |  |  | 7,412 |
Construction – commercial | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 19,793 |  |  | 19,793 |
Construction – multi-family | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 14,430 |  |  | 14,430 |
Construction – land development | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 3,161 |  |  | 3,161 |
Land | — |  |  | — |  |  | 185 |  |  | — |  |  | 185 |  |  | 26,824 |  |  | 27,009 |
Consumer loans: |  |  |  |  |  |  |  |  |  |  |  |  |
Home equity and second mortgage | — |  |  | — |  |  | 586 |  |  | — |  |  | 586 |  |  | 33,819 |  |  | 34,405 |
Other | — |  |  | — |  |  | 10 |  |  | — |  |  | 10 |  |  | 3,542 |  |  | 3,552 |
Commercial business loans | — |  |  | — |  |  | 432 |  |  | — |  |  | 432 |  |  | 71,154 |  |  | 71,586 |
SBA PPP loans | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 122,581 |  |  | 122,581 |
Total | $ | — |  |  | $ | 537 |  |  | $ | 3,015 |  |  | $ | — |  |  | $ | 3,552 |  |  | $ | 1,028,824 |  |  | $ | 1,032,376 |
September 30, 2019 |  |  |  |  |  |  |  |  |  |  |  |  |
Mortgage loans: |  |  |  |  |  |  |  |  |  |  |  |  |
One- to four-family | $ | — |  |  | $ | 286 |  |  | $ | 699 |  |  | $ | — |  |  | $ | 985 |  |  | $ | 131,676 |  |  | $ | 132,661 |
Multi-family | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 76,036 |  |  | 76,036 |
Commercial | 94 |  |  | 218 |  |  | 779 |  |  | — |  |  | 1,091 |  |  | 418,026 |  |  | 419,117 |
Construction – custom and owner/ builder | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 75,411 |  |  | 75,411 |
Construction – speculative one- to four- family | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 10,779 |  |  | 10,779 |
Construction – commercial | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 24,051 |  |  | 24,051 |
Construction – multi-family | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 19,256 |  |  | 19,256 |
Construction – land development | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 1,803 |  |  | 1,803 |
Land | 5 |  |  | 193 |  |  | 204 |  |  | — |  |  | 402 |  |  | 30,368 |  |  | 30,770 |
Consumer loans: |  |  |  |  |  |  |  |  |  |  |  |  |
Home equity and second mortgage | 94 |  |  | — |  |  | 603 |  |  | — |  |  | 697 |  |  | 39,493 |  |  | 40,190 |
Other | — |  |  | — |  |  | 23 |  |  | — |  |  | 23 |  |  | 4,289 |  |  | 4,312 |
Commercial business loans | — |  |  | 2 |  |  | 725 |  |  | — |  |  | 727 |  |  | 64,037 |  |  | 64,764 |
Total | $ | 193 |  |  | $ | 699 |  |  | $ | 3,033 |  |  | $ | — |  |  | $ | 3,925 |  |  | $ | 895,225 |  |  | $ | 899,150 |
______________________ (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 June 30, 2020 and September 30, 2019 (dollars in thousands):
| Loan Grades |  |  |  |  |  |  |  |
June 30, 2020 | Pass |  | Watch |  | Special Mention |  | Substandard |  | Total
Mortgage loans: |  |  |  |  |  |  |  |  |
One- to four-family | $ | 117,647 |  |  | $ | 1,377 |  |  | $ | 553 |  |  | $ | 937 |  |  | $ | 120,514 |
Multi-family | 79,468 |  |  | — |  |  | — |  |  | — |  |  | 79,468 |
Commercial | 445,544 |  |  | 7,936 |  |  | 572 |  |  | 1,402 |  |  | 455,454 |
Construction – custom and owner/builder | 72,208 |  |  | 803 |  |  | — |  |  | — |  |  | 73,011 |
Construction – speculative one- to four-family | 7,412 |  |  | — |  |  | — |  |  | — |  |  | 7,412 |
Construction – commercial | 19,793 |  |  | — |  |  | — |  |  | — |  |  | 19,793 |
Construction – multi-family | 14,430 |  |  | — |  |  | — |  |  | — |  |  | 14,430 |
Construction – land development | 3,035 |  |  | — |  |  | — |  |  | 126 |  |  | 3,161 |
Land | 24,713 |  |  | 1,527 |  |  | 584 |  |  | 185 |  |  | 27,009 |
Consumer loans: |  |  |  |  |  |  |  |  |
Home equity and second mortgage | 33,867 |  |  | 54 |  |  | — |  |  | 484 |  |  | 34,405 |
Other | 3,510 |  |  | 32 |  |  | — |  |  | 10 |  |  | 3,552 |
Commercial business loans | 70,797 |  |  | 225 |  |  | 76 |  |  | 488 |  |  | 71,586 |
SBA PPP loans | 122,581 |  |  | — |  |  | — |  |  | — |  |  | 122,581 |
Total | $ | 1,015,005 |  |  | $ | 11,954 |  |  | $ | 1,785 |  |  | $ | 3,632 |  |  | $ | 1,032,376 |
September 30, 2019 |  |  |  |  |  |  |  |  |
Mortgage loans: |  |  |  |  |  |  |  |  |
One- to four-family | $ | 129,748 |  |  | $ | 296 |  |  | $ | 562 |  |  | $ | 2,055 |  |  | $ | 132,661 |
Multi-family | 76,036 |  |  | — |  |  | — |  |  | — |  |  | 76,036 |
Commercial | 405,165 |  |  | 11,944 |  |  | 683 |  |  | 1,325 |  |  | 419,117 |
Construction – custom and owner/builder | 75,178 |  |  | 233 |  |  | — |  |  | — |  |  | 75,411 |
Construction – speculative one- to four-family | 10,779 |  |  | — |  |  | — |  |  | — |  |  | 10,779 |
Construction – commercial | 24,051 |  |  | — |  |  | — |  |  | — |  |  | 24,051 |
Construction – multi-family | 19,256 |  |  | — |  |  | — |  |  | — |  |  | 19,256 |
Construction – land development | 1,659 |  |  | — |  |  | — |  |  | 144 |  |  | 1,803 |
Land | 28,390 |  |  | 952 |  |  | 1,217 |  |  | 211 |  |  | 30,770 |
Consumer loans: |  |  |  |  |  |  |  |  |
Home equity and second mortgage | 39,364 |  |  | 41 |  |  | — |  |  | 785 |  |  | 40,190 |
Other | 4,257 |  |  | 33 |  |  | — |  |  | 22 |  |  | 4,312 |
Commercial business loans | 63,669 |  |  | 232 |  |  | 85 |  |  | 778 |  |  | 64,764 |
Total | $ | 877,552 |  |  | $ | 13,731 |  |  | $ | 2,547 |  |  | $ | 5,320 |  |  | $ | 899,150 |
Impaired Loans Receivable | The following table is a summary of information related to impaired loans by portfolio segment as of June 30, 2020 and for the three and nine months then ended (dollars in thousands):
| Recorded Investment |  | Unpaid Principal Balance (Loan Balance Plus Charge Off) |  | Related Allowance |  | Quarter to Date ("QTD") Average Recorded Investment (1) |  | Year to Date ("YTD") Average Recorded Investment (2) |  | QTD Interest Income Recognized (1) |  | YTD Interest Income Recognized (2) |  | QTD Cash Basis Interest Income Recognized (1) |  | YTD Cash Basis Interest Income Recognized (2)
With no related allowance recorded: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Mortgage loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
One- to four-family | $ | 1,411 |  |  | $ | 1,454 |  |  | $ | — |  |  | $ | 1,176 |  |  | $ | 1,244 |  |  | $ | 15 |  |  | $ | 36 |  |  | $ | 7 |  |  | $ | 25 |
Commercial | 3,267 |  |  | 3,267 |  |  | — |  |  | 3,303 |  |  | 3,234 |  |  | 41 |  |  | 92 |  |  | 32 |  |  | 74 |
Land | 53 |  |  | 103 |  |  | — |  |  | 55 |  |  | 58 |  |  | — |  |  | — |  |  | — |  |  | — |
Consumer loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Home equity and second mortgage | 586 |  |  | 586 |  |  | — |  |  | 584 |  |  | 588 |  |  | — |  |  | — |  |  | — |  |  | — |
Other | 10 |  |  | 10 |  |  | — |  |  | 11 |  |  | 5 |  |  | — |  |  | — |  |  | — |  |  | — |
Commercial business loans | 184 |  |  | 184 |  |  | — |  |  | 164 |  |  | 175 |  |  | — |  |  | — |  |  | — |  |  | — |
Subtotal | 5,511 |  |  | 5,604 |  |  | — |  |  | 5,293 |  |  | 5,304 |  |  | 56 |  |  | 128 |  |  | 39 |  |  | 99 |
With an allowance recorded: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Mortgage loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
One- to four-family | — |  |  | — |  |  | — |  |  | 243 |  |  | 121 |  |  | — |  |  | — |  |  | — |  |  | — |
Land | 132 |  |  | 132 |  |  | 25 |  |  | 134 |  |  | 137 |  |  | — |  |  | — |  |  | — |  |  | — |
Consumer loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Other | — |  |  | — |  |  | — |  |  | — |  |  | 9 |  |  | — |  |  | — |  |  | — |  |  | — |
Commercial business loans | 248 |  |  | 248 |  |  | 38 |  |  | 324 |  |  | 400 |  |  | — |  |  | — |  |  | — |  |  | — |
Subtotal | 380 |  |  | 380 |  |  | 63 |  |  | 701 |  |  | 667 |  |  | — |  |  | — |  |  | — |  |  | — |
Total: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Mortgage loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
One- to four-family | 1,411 |  |  | 1,454 |  |  | — |  |  | 1,419 |  |  | 1,365 |  |  | 15 |  |  | 36 |  |  | 7 |  |  | 25 |
Commercial | 3,267 |  |  | 3,267 |  |  | — |  |  | 3,303 |  |  | 3,234 |  |  | 41 |  |  | 92 |  |  | 32 |  |  | 74 |
Land | 185 |  |  | 235 |  |  | 25 |  |  | 189 |  |  | 195 |  |  | — |  |  | — |  |  | — |  |  | — |
Consumer loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Home equity and second mortgage | 586 |  |  | 586 |  |  | — |  |  | 584 |  |  | 588 |  |  | — |  |  | — |  |  | — |  |  | — |
Other | 10 |  |  | 10 |  |  | — |  |  | 11 |  |  | 14 |  |  | — |  |  | — |  |  | — |  |  | — |
Commercial business loans | 432 |  |  | 432 |  |  | 38 |  |  | 488 |  |  | 575 |  |  | — |  |  | — |  |  | — |  |  | — |
Total | $ | 5,891 |  |  | $ | 5,984 |  |  | $ | 63 |  |  | $ | 5,994 |  |  | $ | 5,971 |  |  | $ | 56 |  |  | $ | 128 |  |  | $ | 39 |  |  | $ | 99 |
______________________________________________ (1)For the three months ended June 30, 2020. (2)For the nine months ended June 30, 2020.
| 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 | $ | 1,192 |  |  | $ | 1,236 |  |  | $ | — |  |  | $ | 1,110 |  |  | $ | 71 |  |  | $ | 62 |
Commercial | 3,190 |  |  | 3,190 |  |  | — |  |  | 2,920 |  |  | 227 |  |  | 192 |
Land | 63 |  |  | 126 |  |  | — |  |  | 100 |  |  | 3 |  |  | 3 |
Consumer loans: |  |  |  |  |  |  |  |  |  |  |
Home equity and second mortgage | 603 |  |  | 603 |  |  | — |  |  | 459 |  |  | — |  |  | — |
Commercial business loans | 189 |  |  | 291 |  |  | — |  |  | 142 |  |  | 30 |  |  | 30 |
Subtotal | 5,237 |  |  | 5,446 |  |  | — |  |  | 4,731 |  |  | 331 |  |  | 287 |
With an allowance recorded: |  |  |  |  |  |  |  |  |  |  |
Mortgage loans: |  |  |  |  |  |  |  |  |  |  |
Land | 141 |  |  | 141 |  |  | 27 |  |  | 246 |  |  | — |  |  | — |
Consumer loans: |  |  |  |  |  |  |  |  |  |  |
Other | 23 |  |  | 23 |  |  | 17 |  |  | 10 |  |  | — |  |  | — |
Commercial business loans | 536 |  |  | 536 |  |  | 128 |  |  | 350 |  |  | 30 |  |  | 30 |
Subtotal | 700 |  |  | 700 |  |  | 172 |  |  | 606 |  |  | 30 |  |  | 30 |
Total |  |  |  |  |  |  |  |  |  |  |
Mortgage loans: |  |  |  |  |  |  |  |  |  |  |
One- to four-family | 1,192 |  |  | 1,236 |  |  | — |  |  | 1,110 |  |  | 71 |  |  | 62 |
Commercial | 3,190 |  |  | 3,190 |  |  | — |  |  | 2,920 |  |  | 227 |  |  | 192 |
Land | 204 |  |  | 267 |  |  | 27 |  |  | 346 |  |  | 3 |  |  | 3 |
Consumer loans: |  |  |  |  |  |  |  |  |  |  |
Home equity and second mortgage | 603 |  |  | 603 |  |  | — |  |  | 459 |  |  | — |  |  | — |
Other | 23 |  |  | 23 |  |  | 17 |  |  | 10 |  |  | — |  |  | — |
Commercial business loans | 725 |  |  | 827 |  |  | 128 |  |  | 492 |  |  | 60 |  |  | 60 |
Total | $ | 5,937 |  |  | $ | 6,146 |  |  | $ | 172 |  |  | $ | 5,337 |  |  | $ | 361 |  |  | $ | 317 |
_____________________________________________ (1) For the year ended September 30, 2019.
Schedule Of COVID Loan Modifications | The following table sets forth information with respect to total COVID-19 loan modifications as of June 30, 2020 (dollars in thousands):
COVID-19 Loan Modifications |  |  |  |  |  |
Mortgage loans |  | Count |  | Balance |  | Percent
One- to four-family |  | 15 |  | $ | 6,760 |  |  | 5.0 | %
Multi-family |  | 3 |  | 2,900 |  |  | 2.1 |
Commercial |  | 114 |  | 105,680 |  |  | 77.8 |
Construction |  | 2 |  | 2,924 |  |  | 2.2 |
Land |  | 7 |  | 2,996 |  |  | 2.2 |
Total mortgage loans |  | 141 |  | 121,260 |  |  | 89.3 |
Consumer loans |  |  |  |  |  |
Home equity and second mortgage |  | 6 |  | 307 |  | 0.2 |
Other |  | 4 |  | 75 |  | 0.1 |
Total consumer loans |  | 10 |  | 382 |  | 0.3 |
Commercial loans |  | 58 |  | 14,191 |  |  | 10.4 |
Total COVID-19 Modifications |  | 209 |  | $ | 135,833 |  |  | 100.0 | %
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 June 30, 2020 and September 30, 2019 (dollars in thousands):
| June 30, 2020 |  |  |  |
| Accruing |  | Non- Accrual |  | Total
Mortgage loans: |  |  |  |  |
One- to four-family | $ | 484 |  |  | $ | — |  |  | $ | 484 |
Commercial | 2,392 |  |  | — |  |  | 2,392 |
Land | — |  |  | 132 |  |  | 132 |
Consumer loans: |  |  |  |  |
Home equity and second mortgage | — |  |  | 75 |  |  | 75 |
Total | $ | 2,876 |  |  | $ | 207 |  |  | $ | 3,083 |
| September 30, 2019 |  |  |  |
| Accruing |  | Non- Accrual |  | Total
Mortgage loans: |  |  |  |  |
One- to four-family | $ | 493 |  |  | $ | 141 |  |  | $ | 634 |
Commercial | 2,410 |  |  | — |  |  | 2,410 |
Consumer loans: |  |  |  |  |
Home equity and second mortgage | — |  |  | 82 |  |  | 82 |
Commercial business loans | — |  |  | 143 |  |  | 143 |
Total | $ | 2,903 |  |  | $ | 366 |  |  | $ | 3,269 |
There was one new TDR during the year ended September 30, 2019. The following table sets forth information with respect to the Company's TDRs, by portfolio segment, during the year ended September 30, 2019 (dollars in thousands):
2019 | Number of Contracts |  | Pre-Modification Outstanding Recorded Investment |  | Post- Modification Outstanding Recorded Investment |  | End of Period Balance
Home equity and second mortgage loan (1) | 1 |  | $ | 85 |  |  | $ | 85 |  |  | $ | 82 |
Total | 1 |  | $ | 85 |  |  | $ | 85 |  |  | $ | 82 |
(1) Modification was a result of a reduction in interest rate and monthly payment. |  |  |  |  |  |  |

X
- Definition Schedule Of COVID Loan Modifications + References No definition available. + Details
Name: | tsbk_ScheduleOfCOVIDLoanModificationsTableTextBlock
Namespace Prefix: | tsbk_
Data Type: | nonnum:textBlockItemType
Balance Type: | na
Period Type: | duration

X
- Definition -- None. No documentation exists for this element. -- + References No definition available. + Details
Name: | tsbk_ScheduleOfLoansEvaluatedIndividuallyForImpairmentAndCollectivelyEvaluatedForImpairmentInAllowanceForLoanLossesTableTextBlock
Namespace Prefix: | tsbk_
Data Type: | nonnum:textBlockItemType
Balance Type: | na
Period Type: | duration

X
- Definition -- None. No documentation exists for this element. -- + References No definition available. + Details
Name: | tsbk_ScheduleOfTroubledDebtRestructuredByInterestAccrualStatusTableTextBlock
Namespace Prefix: | tsbk_
Data Type: | nonnum:textBlockItemType
Balance Type: | na
Period Type: | duration

X
- References No definition available. + Details
Name: | us-gaap_AccountsNotesLoansAndFinancingReceivableGrossAllowanceAndNetAbstract
Namespace Prefix: | us-gaap_
Data Type: | xbrli:stringItemType
Balance Type: | na
Period Type: | duration

X
- Definition Tabular disclosure of allowance for credit loss on financing receivable. + References Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef -Publisher FASB -Name Accounting Standards Codification -Topic 310 -SubTopic 10 -Section 50 -Paragraph 11B -URI http://asc.fasb.org/extlink&oid=118936363&loc=SL6953423-111524 Reference 2: http://www.xbrl.org/2009/role/commonPracticeRef -Publisher FASB -Name Accounting Standards Codification -Topic 326 -SubTopic 20 -Section 50 -Paragraph 13 -URI http://asc.fasb.org/extlink&oid=119407570&loc=SL82919249-210447 + Details
Name: | us-gaap_AllowanceForCreditLossesOnFinancingReceivablesTableTextBlock
Namespace Prefix: | us-gaap_
Data Type: | nonnum:textBlockItemType
Balance Type: | na
Period Type: | duration

X
- Definition Tabular disclosure of financing receivables by credit quality indicator. The credit quality indicator is a statistic about the credit quality of financing receivables. Examples include, but not limited to, consumer credit risk scores, credit-rating-agency ratings, an entity's internal credit risk grades, loan-to-value ratios, collateral, collection experience and other internal metrics. + References Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef -Publisher FASB -Name Accounting Standards Codification -Topic 326 -SubTopic 20 -Section 50 -Paragraph 5 -URI http://asc.fasb.org/extlink&oid=119407570&loc=SL82919230-210447 Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef -Publisher FASB -Name Accounting Standards Codification -Topic 310 -SubTopic 10 -Section 50 -Paragraph 29 -URI http://asc.fasb.org/extlink&oid=118936363&loc=SL6953659-111524 + Details
Name: | us-gaap_FinancingReceivableCreditQualityIndicatorsTableTextBlock
Namespace Prefix: | us-gaap_
Data Type: | nonnum:textBlockItemType
Balance Type: | na
Period Type: | duration

X
- Definition Tabular disclosure of impaired financing receivables. + References Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef -Publisher FASB -Name Accounting Standards Codification -Topic 310 -SubTopic 10 -Section 50 -Paragraph 15 -URI http://asc.fasb.org/extlink&oid=118936363&loc=d3e5212-111524 + Details
Name: | us-gaap_ImpairedFinancingReceivablesTableTextBlock
Namespace Prefix: | us-gaap_
Data Type: | nonnum:textBlockItemType
Balance Type: | na
Period Type: | duration

X
- Definition Tabular disclosure of aging analysis for financing receivable. + References Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef -Publisher FASB -Name Accounting Standards Codification -Topic 326 -SubTopic 20 -Section 50 -Paragraph 14 -URI http://asc.fasb.org/extlink&oid=119407570&loc=SL82919253-210447 Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef -Publisher FASB -Name Accounting Standards Codification -Topic 310 -SubTopic 10 -Section 50 -Paragraph 7A -URI http://asc.fasb.org/extlink&oid=118936363&loc=SL6953401-111524 Reference 3: http://www.xbrl.org/2003/role/exampleRef -Publisher FASB -Name Accounting Standards Codification -Topic 326 -SubTopic 20 -Section 55 -Paragraph 80 -URI http://asc.fasb.org/extlink&oid=118955255&loc=SL82922355-210448 Reference 4: http://fasb.org/us-gaap/role/ref/legacyRef -Publisher FASB -Name Accounting Standards Codification -Topic 310 -SubTopic 10 -Section 50 -Paragraph 7 -URI http://asc.fasb.org/extlink&oid=118936363&loc=d3e5111-111524 + Details
Name: | us-gaap_PastDueFinancingReceivablesTableTextBlock
Namespace Prefix: | us-gaap_
Data Type: | nonnum:textBlockItemType
Balance Type: | na
Period Type: | duration

X
- Definition Tabular disclosure of the various types of trade accounts and notes receivable and for each the gross carrying value, allowance, and net carrying value as of the balance sheet date. Presentation is categorized by current, noncurrent and unclassified receivables. + References Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef -Publisher FASB -Name Accounting Standards Codification -Topic 210 -SubTopic 10 -Section S99 -Paragraph 1 -Subparagraph (SX 210.5-02.3,4) -URI http://asc.fasb.org/extlink&oid=6877327&loc=d3e13212-122682 + Details
Name: | us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTextBlock
Namespace Prefix: | us-gaap_
Data Type: | nonnum:textBlockItemType
Balance Type: | na
Period Type: | duration