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Loans Receivable (Tables) | 6 Months Ended
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Jun. 30, 2019
Receivables [Abstract] |
Loans receivable | Loans receivable are as follows:
| June 30, 2019 |  | December 31, 2018
One-to-four family residential real estate | $ | 64,192 |  |  | $ | 70,371 |
Multi-family mortgage | 619,898 |  |  | 619,870 |
Nonresidential real estate | 145,416 |  |  | 152,442 |
Construction and land | 117 |  |  | 172 |
Commercial loans | 153,709 |  |  | 187,406 |
Commercial leases | 289,107 |  |  | 299,394 |
Consumer | 1,861 |  |  | 1,539 |
| 1,274,300 |  |  | 1,331,194 |
Net deferred loan origination costs | 978 |  |  | 1,069 |
Allowance for loan losses | (7,824 | ) |  | (8,470 | )
Loans, net | $ | 1,267,454 |  |  | $ | 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
June 30, 2019 |  |  |  |  |  |  |  |  |  |  |
One-to-four family residential real estate | $ | — |  |  | $ | 563 |  |  | $ | 563 |  |  | $ | 2,420 |  |  | $ | 61,772 |  |  | $ | 64,192 |
Multi-family mortgage | — |  |  | 3,988 |  |  | 3,988 |  |  | 637 |  |  | 619,261 |  |  | 619,898 |
Nonresidential real estate | — |  |  | 1,195 |  |  | 1,195 |  |  | 2,083 |  |  | 143,333 |  |  | 145,416 |
Construction and land | — |  |  | 3 |  |  | 3 |  |  | — |  |  | 117 |  |  | 117 |
Commercial loans | — |  |  | 1,294 |  |  | 1,294 |  |  | — |  |  | 153,709 |  |  | 153,709 |
Commercial leases | — |  |  | 750 |  |  | 750 |  |  | — |  |  | 289,107 |  |  | 289,107 |
Consumer | — |  |  | 31 |  |  | 31 |  |  | — |  |  | 1,861 |  |  | 1,861 |
| $ | — |  |  | $ | 7,824 |  |  | $ | 7,824 |  |  | $ | 5,140 |  |  | $ | 1,269,160 |  |  | 1,274,300 |
Net deferred loan origination costs |  |  |  |  |  |  |  |  |  | 978 |
Allowance for loan losses |  |  |  |  |  |  |  |  |  | (7,824 | )
Loans, net |  |  |  |  |  |  |  |  |  |  | $ | 1,267,454 |
The following tables present loans individually evaluated for impairment by class of loans:
|  |  |  |  |  |  |  |  | Three months ended June 30, 2019 |  | Six months ended June 30, 2019
| Loan Balance |  | Recorded Investment |  | Partial Charge-off |  | Allowance for Loan Losses Allocated |  | Average Investment in Impaired Loans |  | Interest Income Recognized |  | Average Investment in Impaired Loans |  | Interest Income Recognized
June 30, 2019 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
With no related allowance recorded: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
One-to-four family residential real estate | $ | 2,818 |  |  | $ | 2,227 |  |  | $ | 564 |  |  | $ | — |  |  | $ | 2,263 |  |  | $ | 12 |  |  | $ | 2,238 |  |  | $ | 26 |
One-to-four family residential real estate - non-owner occupied | 221 |  |  | 169 |  |  | 56 |  |  | — |  |  | 101 |  |  | — |  |  | 77 |  |  | 1 |
Multi-family mortgage - Illinois | 637 |  |  | 635 |  |  | — |  |  | — |  |  | 642 |  |  | 9 |  |  | 646 |  |  | 19 |
Nonresidential real estate | 2,197 |  |  | 2,080 |  |  | 121 |  |  | — |  |  | 771 |  |  | — |  |  | 441 |  |  | 27 |
| $ | 5,873 |  |  | $ | 5,111 |  |  | $ | 741 |  |  | $ | — |  |  | $ | 3,777 |  |  | $ | 21 |  |  | $ | 3,402 |  |  | $ | 73 |
|  |  |  |  |  |  |  |  | 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 June 30, |  | Six Months Ended June 30,
| 2019 |  | 2018 |  | 2019 |  | 2018
Beginning balance | $ | 8,354 |  |  | $ | 8,341 |  |  | $ | 8,470 |  |  | $ | 8,366 |
Loans charged off: |  |  |  |  |  |  |
One-to-four family residential real estate | (50 | ) |  | (33 | ) |  | (73 | ) |  | (130 | )
Multi-family mortgage | — |  |  | (35 | ) |  | — |  |  | (35 | )
Nonresidential real estate | — |  |  | — |  |  | (28 | ) |  | — |
Commercial loans | (4,443 | ) |  | (140 | ) |  | (4,443 | ) |  | (140 | )
Consumer | (10 | ) |  | (1 | ) |  | (15 | ) |  | (1 | )
| (4,503 | ) |  | (209 | ) |  | (4,559 | ) |  | (306 | )
Recoveries: |  |  |  |  |  |  |
One-to-four family residential real estate | 6 |  |  | 6 |  |  | 23 |  |  | 105 |
Multi-family mortgage | 8 |  |  | 10 |  |  | 16 |  |  | 18 |
Commercial loans | 2 |  |  | 2 |  |  | 4 |  |  | 225 |
Commercial leases | — |  |  | 5 |  |  | — |  |  | 5 |
Consumer | — |  |  | 1 |  |  | — |  |  | 1 |
| 16 |  |  | 24 |  |  | 43 |  |  | 354 |
Net (charge-offs) recoveries | (4,487 | ) |  | (185 | ) |  | (4,516 | ) |  | 48 |
Provision for (recovery of) loan losses | 3,957 |  |  | 23 |  |  | 3,870 |  |  | (235 | )
Ending balance | $ | 7,824 |  |  | $ | 8,179 |  |  | $ | 7,824 |  |  | $ | 8,179 |
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
June 30, 2019 |  |  |  |  |
One-to-four family residential real estate | $ | 1,028 |  |  | $ | 754 |  |  | $ | — |
One-to-four family residential real estate – non-owner occupied | 222 |  |  | 169 |  |  | — |
Nonresidential real estate | 2,197 |  |  | 2,080 |  |  | — |
| $ | 3,447 |  |  | $ | 3,003 |  |  | $ | — |
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 June 30, 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 | $ | 123 |  |  | $ | 230 |  |  | $ | 748 |  |  | $ | 1,101 |  |  | $ | 50,724 |  |  | $ | 51,825 |
One-to-four family residential real estate loans – non-owner occupied | 362 |  |  | 8 |  |  | 170 |  |  | 540 |  |  | 11,412 |  |  | 11,952 |
Multi-family mortgage - Illinois | — |  |  | — |  |  | — |  |  | — |  |  | 264,086 |  |  | 264,086 |
Multi-family mortgage - Other | — |  |  | — |  |  | — |  |  | — |  |  | 348,878 |  |  | 348,878 |
Nonresidential real estate | — |  |  | 1,560 |  |  | 520 |  |  | 2,080 |  |  | 140,692 |  |  | 142,772 |
Construction and land | — |  |  | — |  |  | — |  |  | — |  |  | 111 |  |  | 111 |
Commercial loans: |  |  |  |  |  |  |  |  |  |  |
Regional commercial banking | — |  |  | — |  |  | — |  |  | — |  |  | 29,568 |  |  | 29,568 |
Health care | — |  |  | — |  |  | — |  |  | — |  |  | 80,022 |  |  | 80,022 |
Direct commercial lessor | — |  |  | — |  |  | — |  |  | — |  |  | 44,620 |  |  | 44,620 |
Commercial leases: |  |  |  |  |  |  |  |  |  |  |  |  |
Investment rated commercial leases | — |  |  | — |  |  | — |  |  | — |  |  | 144,380 |  |  | 144,380 |
Other commercial leases | 3,052 |  |  | 32 |  |  | — |  |  | 3,084 |  |  | 143,727 |  |  | 146,811 |
Consumer | 3 |  |  | 1 |  |  | — |  |  | 4 |  |  | 1,872 |  |  | 1,876 |
| $ | 3,540 |  |  | $ | 1,831 |  |  | $ | 1,438 |  |  | $ | 6,809 |  |  | $ | 1,260,092 |  |  | $ | 1,266,901 |
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 |
Construction and 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:
| June 30, 2019 |  | December 31, 2018
One-to-four family residential real estate - nonaccrual | $ | 17 |  |  | $ | 17 |
Financing Receivable Credit Quality Indicators | As of June 30, 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 | $ | 50,853 |  |  | $ | 111 |  |  | $ | 451 |  |  | $ | 750 |  |  | $ | 52,165 |
One-to-four family residential real estate loans – non-owner occupied | 11,791 |  |  | 31 |  |  | 36 |  |  | 169 |  |  | 12,027 |
Multi-family mortgage - Illinois | 267,128 |  |  | — |  |  | 213 |  |  | — |  |  | 267,341 |
Multi-family mortgage - Other | 352,557 |  |  | — |  |  | — |  |  | — |  |  | 352,557 |
Nonresidential real estate | 143,240 |  |  | — |  |  | 93 |  |  | 2,083 |  |  | 145,416 |
Construction and land | 117 |  |  | — |  |  | — |  |  | — |  |  | 117 |
Commercial loans: |  |  |  |  |  |  |  |  |
Regional commercial banking | 29,514 |  |  | — |  |  | — |  |  | — |  |  | 29,514 |
Health care | 79,042 |  |  | 264 |  |  | 500 |  |  | — |  |  | 79,806 |
Direct commercial lessor | 44,389 |  |  | — |  |  | — |  |  | — |  |  | 44,389 |
Commercial leases: |  |  |  |  |  |  |  |  |  |
Investment rated commercial leases | 142,543 |  |  | 605 |  |  | — |  |  | — |  |  | 143,148 |
Other commercial leases | 143,839 |  |  | 2,120 |  |  | — |  |  | — |  |  | 145,959 |
Consumer | 1,855 |  |  | 5 |  |  | 1 |  |  | — |  |  | 1,861 |
| $ | 1,266,868 |  |  | $ | 3,136 |  |  | $ | 1,294 |  |  | $ | 3,002 |  |  | $ | 1,274,300 |
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 |
Construction and 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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- Definition Tabular disclosure of financing receivables (examples of financing receivables include loans, trade accounts receivable and notes receivable) and activity in the allowance for credit losses account. + 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=84173941&loc=SL6953423-111524 + Details
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- 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://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=84173941&loc=SL6953659-111524 Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef -Publisher FASB -Name Accounting Standards Codification -Topic 310 -SubTopic 10 -Section 55 -Paragraph 19 -URI http://asc.fasb.org/extlink&oid=82894031&loc=SL6953803-111525 + Details
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