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Loans Receivable (Tables) | 9 Months Ended
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Sep. 30, 2019
Receivables [Abstract] |
Loans receivable | Loans receivable are as follows:
| September 30, 2019 |  | December 31, 2018
One-to-four family residential real estate | $ | 60,757 |  |  | $ | 70,371 |
Multi-family mortgage | 577,656 |  |  | 619,870 |
Nonresidential real estate | 140,410 |  |  | 152,442 |
Construction and land | 88 |  |  | 172 |
Commercial loans | 163,846 |  |  | 187,406 |
Commercial leases | 275,800 |  |  | 299,394 |
Consumer | 2,052 |  |  | 1,539 |
| 1,220,609 |  |  | 1,331,194 |
Net deferred loan origination costs | 942 |  |  | 1,069 |
Allowance for loan losses | (7,603 | ) |  | (8,470 | )
Loans, net | $ | 1,213,948 |  |  | $ | 1,323,793 |
Loans Receivable Based On Impairment Method | The following tables present the balance in the allowance for loan losses and 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
September 30, 2019 |  |  |  |  |  |  |  |  |  |  |
One-to-four family residential real estate | $ | — |  |  | $ | 580 |  |  | $ | 580 |  |  | $ | 2,416 |  |  | $ | 58,341 |  |  | $ | 60,757 |
Multi-family mortgage | — |  |  | 3,728 |  |  | 3,728 |  |  | 630 |  |  | 577,026 |  |  | 577,656 |
Nonresidential real estate | — |  |  | 1,217 |  |  | 1,217 |  |  | 282 |  |  | 140,128 |  |  | 140,410 |
Construction and land | — |  |  | 2 |  |  | 2 |  |  | — |  |  | 88 |  |  | 88 |
Commercial loans | — |  |  | 1,308 |  |  | 1,308 |  |  | — |  |  | 163,846 |  |  | 163,846 |
Commercial leases | — |  |  | 732 |  |  | 732 |  |  | — |  |  | 275,800 |  |  | 275,800 |
Consumer | — |  |  | 36 |  |  | 36 |  |  | — |  |  | 2,052 |  |  | 2,052 |
| $ | — |  |  | $ | 7,603 |  |  | $ | 7,603 |  |  | $ | 3,328 |  |  | $ | 1,217,281 |  |  | 1,220,609 |
Net deferred loan origination costs |  |  |  |  |  |  |  |  |  | 942 |
Allowance for loan losses |  |  |  |  |  |  |  |  |  | (7,603 | )
Loans, net |  |  |  |  |  |  |  |  |  |  | $ | 1,213,948 |
The following tables present loans individually evaluated for impairment by class of loans:
|  |  |  |  |  |  |  |  | Three months ended September 30, 2019 |  | Nine months ended September 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
September 30, 2019 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
With no related allowance recorded: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
One-to-four family residential real estate | $ | 2,812 |  |  | $ | 2,280 |  |  | $ | 542 |  |  | $ | — |  |  | $ | 2,253 |  |  | $ | 12 |  |  | $ | 2,245 |  |  | $ | 40 |
One-to-four family residential real estate - non-owner occupied | 136 |  |  | 136 |  |  | — |  |  | — |  |  | 161 |  |  | — |  |  | 102 |  |  | 1 |
Multi-family mortgage - Illinois | 629 |  |  | 630 |  |  | — |  |  | — |  |  | 633 |  |  | 9 |  |  | 642 |  |  | 28 |
Nonresidential real estate | 280 |  |  | 282 |  |  | — |  |  | — |  |  | 1,447 |  |  | — |  |  | 679 |  |  | 1 |
| $ | 3,857 |  |  | $ | 3,328 |  |  | $ | 542 |  |  | $ | — |  |  | $ | 4,494 |  |  | $ | 21 |  |  | $ | 3,668 |  |  | $ | 70 |
|  |  |  |  |  |  |  |  | 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 September 30, |  | Nine Months Ended September 30,
| 2019 |  | 2018 |  | 2019 |  | 2018
Beginning balance | $ | 7,824 |  |  | $ | 8,179 |  |  | $ | 8,470 |  |  | $ | 8,366 |
Loans charged off: |  |  |  |  |  |  |
One-to-four family residential real estate | (44 | ) |  | (84 | ) |  | (117 | ) |  | (214 | )
Multi-family mortgage | — |  |  | — |  |  | — |  |  | (35 | )
Nonresidential real estate | (55 | ) |  | — |  |  | (83 | ) |  | — |
Commercial loans | — |  |  | — |  |  | (4,443 | ) |  | (140 | )
Consumer | (5 | ) |  | (6 | ) |  | (20 | ) |  | (7 | )
| (104 | ) |  | (90 | ) |  | (4,663 | ) |  | (396 | )
Recoveries: |  |  |  |  |  |  |
One-to-four family residential real estate | 5 |  |  | 25 |  |  | 28 |  |  | 130 |
Multi-family mortgage | 8 |  |  | 8 |  |  | 24 |  |  | 26 |
Construction and land | — |  |  | 2 |  |  | — |  |  | 2 |
Commercial loans | 4 |  |  | 2 |  |  | 8 |  |  | 227 |
Commercial leases | — |  |  | — |  |  | — |  |  | 5 |
Consumer | — |  |  | — |  |  | — |  |  | 1 |
| 17 |  |  | 37 |  |  | 60 |  |  | 391 |
Net charge-offs | (87 | ) |  | (53 | ) |  | (4,603 | ) |  | (5 | )
Provision for (recovery of) loan losses | (134 | ) |  | (23 | ) |  | 3,736 |  |  | (258 | )
Ending balance | $ | 7,603 |  |  | $ | 8,103 |  |  | $ | 7,603 |  |  | $ | 8,103 |
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
September 30, 2019 |  |  |  |  |
One-to-four family residential real estate | $ | 1,460 |  |  | $ | 1,160 |  |  | $ | — |
Nonresidential real estate | 280 |  |  | 282 |  |  | — |
| $ | 1,740 |  |  | $ | 1,442 |  |  | $ | — |
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 September 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: |  |  |  |  |  |  |  |  |  |  |
Owner occupied | $ | 3 |  |  | $ | 255 |  |  | $ | 1,017 |  |  | $ | 1,275 |  |  | $ | 47,989 |  |  | $ | 49,264 |
Non-owner occupied | 4 |  |  | 269 |  |  | 137 |  |  | 410 |  |  | 11,062 |  |  | 11,472 |
Multi-family mortgage: |  |  |  |  |  |  |  |  |  |  |
Illinois | — |  |  | — |  |  | — |  |  | — |  |  | 256,662 |  |  | 256,662 |
Other | — |  |  | — |  |  | — |  |  | — |  |  | 314,698 |  |  | 314,698 |
Nonresidential real estate | — |  |  | — |  |  | 282 |  |  | 282 |  |  | 138,884 |  |  | 139,166 |
Construction and land | — |  |  | — |  |  | — |  |  | — |  |  | 80 |  |  | 80 |
Commercial loans: |  |  |  |  |  |  |  |  |  |  |
Regional commercial banking | — |  |  | — |  |  | — |  |  | — |  |  | 28,193 |  |  | 28,193 |
Health care | — |  |  | — |  |  | — |  |  | — |  |  | 75,454 |  |  | 75,454 |
Direct commercial lessor | — |  |  | — |  |  | — |  |  | — |  |  | 60,664 |  |  | 60,664 |
Commercial leases: |  |  |  |  |  |  |  |  |  |  |  |  |
Investment rated commercial leases | 197 |  |  | 14 |  |  | — |  |  | 211 |  |  | 133,697 |  |  | 133,908 |
Other commercial leases | 1,710 |  |  | — |  |  | — |  |  | 1,710 |  |  | 141,877 |  |  | 143,587 |
Consumer | 6 |  |  | 3 |  |  | — |  |  | 9 |  |  | 2,060 |  |  | 2,069 |
| $ | 1,920 |  |  | $ | 541 |  |  | $ | 1,436 |  |  | $ | 3,897 |  |  | $ | 1,211,320 |  |  | $ | 1,215,217 |
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: |  |  |  |  |  |  |  |  |  |  |
Owner occupied | $ | 1,380 |  |  | $ | 637 |  |  | $ | 1,162 |  |  | $ | 3,179 |  |  | $ | 53,820 |  |  | $ | 56,999 |
Non-owner occupied | 387 |  |  | 10 |  |  | 78 |  |  | 475 |  |  | 12,460 |  |  | 12,935 |
Multi-family mortgage: |  |  |  |  |  |  |  |  |  |  |
Illinois | 458 |  |  | — |  |  | — |  |  | 458 |  |  | 275,283 |  |  | 275,741 |
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:
| September 30, 2019 |  | December 31, 2018
One-to-four family residential real estate - nonaccrual | $ | 17 |  |  | $ | 17 |
Financing Receivable Credit Quality Indicators | As of September 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: |  |  |  |  |  |  |  |  |
Owner occupied | $ | 47,584 |  |  | $ | 401 |  |  | $ | 541 |  |  | $ | 799 |  |  | $ | 49,325 |
Non-owner occupied | 11,230 |  |  | 30 |  |  | 36 |  |  | 136 |  |  | 11,432 |
Multi-family mortgage: |  |  |  |  |  |  |  |  |
Illinois | 257,690 |  |  | — |  |  | 211 |  |  | — |  |  | 257,901 |
Other | 319,344 |  |  | 411 |  |  | — |  |  | — |  |  | 319,755 |
Nonresidential real estate | 140,033 |  |  | — |  |  | 93 |  |  | 284 |  |  | 140,410 |
Construction and land | 88 |  |  | — |  |  | — |  |  | — |  |  | 88 |
Commercial loans: |  |  |  |  |  |  |  |  |
Regional commercial banking | 28,094 |  |  | — |  |  | — |  |  | — |  |  | 28,094 |
Health care | 74,767 |  |  | 595 |  |  | — |  |  | — |  |  | 75,362 |
Direct commercial lessor | 60,390 |  |  | — |  |  | — |  |  | — |  |  | 60,390 |
Commercial leases: |  |  |  |  |  |  |  |  |  |
Investment rated commercial leases | 132,493 |  |  | 556 |  |  | — |  |  | — |  |  | 133,049 |
Other commercial leases | 141,187 |  |  | 1,564 |  |  | — |  |  | — |  |  | 142,751 |
Consumer | 2,045 |  |  | 4 |  |  | 3 |  |  | — |  |  | 2,052 |
| $ | 1,214,945 |  |  | $ | 3,561 |  |  | $ | 884 |  |  | $ | 1,219 |  |  | $ | 1,220,609 |
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 |  |  |  |  |  |  |  |  |
Owner occupied | $ | 55,353 |  |  | $ | 495 |  |  | $ | 328 |  |  | $ | 993 |  |  | $ | 57,169 |
Non-owner occupied | 12,911 |  |  | — |  |  | 37 |  |  | 254 |  |  | 13,202 |
Multi-family mortgage: |  |  |  |  |  |  |  |  |
Illinois | 279,021 |  |  | — |  |  | 216 |  |  | — |  |  | 279,237 |
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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