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Loans Receivable (Tables)

3 Months Ended

Mar. 31, 2019

Receivables [Abstract]

Loans receivable

Loans receivable are as follows:

	March 31, 2019				December 31, 2018
One-to-four family residential real estate	$	66,833			$	70,371
Multi-family mortgage	634,328				619,870
Nonresidential real estate	148,601				152,442
Construction and land	145				172
Commercial loans	172,264				187,406
Commercial leases	289,750				299,394
Consumer	1,846				1,539
	1,313,767				1,331,194
Net deferred loan origination costs	1,062				1,069
Allowance for loan losses	(8,354		)		(8,470		)
Loans, net	$	1,306,475			$	1,323,793

Loans Receivable Based On Impairment Method

The following tables present the balance in the allowance for loan losses and the loans receivable by portfolio segment and based on impairment method:

	Allowance for loan losses												Loan Balances
	Individually evaluated  for impairment				Collectively evaluated  for impairment				Total				Individually evaluated  for impairment				Collectively evaluated  for impairment				Total
March 31, 2019
One-to-four family residential real estate	$	—			$	649			$	649			$	2,365			$	64,468			$	66,833
Multi-family mortgage	—				4,079				4,079				646				633,682				634,328
Nonresidential real estate	—				1,487				1,487				242				148,359				148,601
Construction and land	—				3				3				—				145				145
Commercial loans	—				1,422				1,422				354				171,910				172,264
Commercial leases	—				690				690				—				289,750				289,750
Consumer	—				24				24				—				1,846				1,846
	$	—			$	8,354			$	8,354			$	3,607			$	1,310,160			1,313,767
Net deferred loan origination costs																					1,062
Allowance for loan losses																					(8,354		)
Loans, net																					$	1,306,475

The following tables present loans individually evaluated for impairment by class of loans:

																	Three months ended March 31, 2019
	Loan Balance				Recorded Investment				Partial Charge-off				Allowance for Loan Losses Allocated				Average Investment in Impaired Loans				Interest Income Recognized
March 31, 2019
With no related allowance recorded:
One-to-four family residential real estate	$	2,896			$	2,303			$	561			$	—			$	2,230			$	15
One-to-four family residential real estate - non-owner occupied	86				32				56				—				43				—
Multi-family mortgage - Illinois	645				649				—				—				651				9
Nonresidential real estate	356				242				121				—				61				—
Commercial loans - health care	354				354				—				—				89				6
	$	4,337			$	3,580			$	738			$	—			$	3,074			$	30

																	Year ended December 31, 2018
	Loan Balance				Recorded Investment				Partial Charge-off				Allowance for Loan Losses Allocated				Average Investment in Impaired Loans				Interest Income Recognized
December 31, 2018
With no related allowance recorded:
One-to-four family residential real estate	$	2,751			$	2,155			$	575			$	—			$	3,274			$	41
One-to-four family residential real estate - non-owner occupied	86				46				43				—				95				—
Multi-family mortgage - Illinois	654				653				—				—				795				39
	3,491				2,854				$	618			—				4,164				80
With an allowance recorded - Nonresidential real estate	356				270				93				27				21				—
	$	3,847			$	3,124			$	711			$	27			$	4,185			$	80

Allowance for loan losses

ctivity in the allowance for loan losses is as follows:

	Three Months Ended March 31,
	2019				2018
Beginning balance	$	8,470			$	8,366
Loans charged off:
One-to-four family residential real estate	(23		)		(97		)
Nonresidential real estate	(28		)		—
Consumer	(5		)		—
	(56		)		(97		)
Recoveries:
One-to-four family residential real estate	17				99
Multi-family mortgage	8				8
Commercial loans	2				223
	27				330
Net (charge-offs) recoveries	(29		)		233
Recovery of loan losses	(87		)		(258		)
Ending balance	$	8,354			$	8,341

Schedule of Financing Receivables, Non Accrual Status

The following tables present the recorded investment in nonaccrual loans and loans past due over 90 days still on accrual by class of loans:

	Loan Balance				Recorded Investment				Loans Past Due Over 90 Days, Still Accruing
March 31, 2019
One-to-four family residential real estate	$	1,089			$	812			$	—
One-to-four family residential real estate – non-owner occupied	86				32				—
Nonresidential real estate	356				242				—
Commercial loans – health care	354				354				—
	$	1,885			$	1,440			$	—
December 31, 2018
One-to-four family residential real estate	$	2,167			$	1,162			$	—
One-to-four family residential real estate – non-owner occupied	270				78				—
Nonresidential real estate	356				270				—
	$	2,793			$	1,510			$	—

Past Due Financing Receivables

The following tables present the aging of the recorded investment of loans at March 31, 2019 by class of loans:

	30-59 Days Past Due				60-89 Days Past Due				90 Days or Greater Past Due				Total Past Due				Loans Not Past Due				Total
One-to-four family residential real estate loans	$	559			$	35			$	804			$	1,398			$	52,595			$	53,993
One-to-four family residential real estate loans – non-owner occupied	141				147				33				321				12,141				12,462
Multi-family mortgage - Illinois	—				—				—				—				273,114				273,114
Multi-family mortgage - Other	—				—				—				—				357,588				357,588
Nonresidential real estate	283				—				242				525				146,566				147,091
Land	—				—				—				—				142				142
Commercial loans:
Regional commercial banking	—				—				—				—				37,719				37,719
Health care	—				—				—				—				85,048				85,048
Direct commercial lessor	—				—				—				—				49,975				49,975
Commercial leases:
Investment rated commercial leases	336				—				—				336				158,095				158,431
Other commercial leases	37				—				—				37				133,324				133,361
Consumer	6				6				—				12				1,847				1,859
	$	1,362			$	188			$	1,079			$	2,629			$	1,308,154			$	1,310,783

The following tables present the aging of the recorded investment of loans at December 31, 2018 by class of loans:

	30-59 Days Past Due				60-89 Days Past Due				90 Days or Greater Past Due				Total Past Due				Loans Not Past Due				Total
One-to-four family residential real estate loans	$	1,380			$	637			$	1,162			$	3,179			$	53,820			$	56,999
One-to-four family residential real estate loans – non-owner occupied	387				10				78				475				12,460				12,935
Multi-family mortgage - Illinois	458				—				—				458				275,283				275,741
Multi-family mortgage - Other	—				—				—				—				340,470				340,470
Nonresidential real estate	—				270				—				270				149,271				149,541
Land	—				—				—				—				169				169
Commercial loans:
Regional commercial banking	—				—				—				—				39,712				39,712
Health care	—				—				—				—				85,418				85,418
Direct commercial lessor	—				—				—				—				62,719				62,719
Commercial leases:
Investment rated commercial leases	505				—				—				505				166,713				167,218
Other commercial leases	—				—				—				—				133,958				133,958
Consumer	40				4				—				44				1,508				1,552
	$	2,770			$	921			$	1,240			$	4,931			$	1,321,501			$	1,326,432

Troubled Debt Restructurings on Financing Receivables

The following table presents loans classified as TDRs:

	March 31, 2019				December 31, 2018
One-to-four family residential real estate - nonaccrual	$	17			$	17

Financing Receivable Credit Quality Indicators

As of March 31, 2019, the risk categories of loans by class of loans are as follows:

	Pass				Special Mention				Substandard				Nonaccrual				Total
One-to-four family residential real estate loans	$	52,783			$	359			$	347			$	813			$	54,302
One-to-four family residential real estate loans – non-owner occupied	12,293				168				37				33				12,531
Multi-family mortgage - Illinois	274,368				—				214				—				274,582
Multi-family mortgage - Other	359,746				—				—				—				359,746
Nonresidential real estate	147,984				280				95				242				148,601
Land	145				—				—				—				145
Commercial loans:
Regional commercial banking	32,335				5,304				—				—				37,639
Health care	81,527				—				3,033				354				84,914
Direct commercial lessor	49,711				—				—				—				49,711
Commercial leases:
Investment rated commercial leases	156,569				646				—				—				157,215
Other commercial leases	132,535				—				—				—				132,535
Consumer	1,828				9				9				—				1,846
	$	1,301,824			$	6,766			$	3,735			$	1,442			$	1,313,767

As of December 31, 2018, the risk categories of loans by class of loans are as follows:

	Pass				Special Mention				Substandard				Nonaccrual				Total
One-to-four family residential real estate loans	$	55,353			$	495			$	328			$	993			$	57,169
One-to-four family residential real estate loans – non-owner occupied	12,911				—				37				254				13,202
Multi-family mortgage - Illinois	279,021				—				216				—				279,237
Multi-family mortgage - Other	340,633				—				—				—				340,633
Nonresidential real estate	151,793				281				98				270				152,442
Land	172				—				—				—				172
Commercial loans:
Regional commercial banking	34,764				4,810				—				—				39,574
Health care	85,001				—				342				—				85,343
Direct commercial lessor	62,489				—				—				—				62,489
Commercial leases:
Investment rated commercial leases	165,508				701				—				—				166,209
Other commercial leases	133,185				—				—				—				133,185
Consumer	1,529				3				7				—				1,539
	$	1,322,359			$	6,290			$	1,028			$	1,517			$	1,331,194

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