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Loans Receivable (Tables)

12 Months Ended

Dec. 31, 2019

Receivables [Abstract]

Loans Individually Evaluated For Impairment By Class Loans

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

	Loan Balance				Recorded Investment				Partial Charge-off				Allowance for Loan Losses Allocated				Average Investment in Impaired Loans				Interest Income Recognized
December 31, 2019
With no related allowance recorded
One-to-four family residential real estate	$	2,168			$	1,835			$	339			$	—			$	2,208			$	51
Multi-family mortgage - Illinois	620				620				—				—				637				37
Nonresidential real estate	280				288				—				—				589				2
	$	3,068			$	2,743			$	339			$	—			$	3,434			$	90
December 31, 2018
With no related allowance recorded
One-to-four family residential real estate	$	2,751			$	2,172			$	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				2,871				618				—				4,164				80
With an allowance recorded - nonresidential real estate	356				270				93				27				21				—
	$	3,847			$	3,141			$	711			$	27			$	4,185			$	80

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
December 31, 2019
One-to-four family residential real estate	$	—			$	675			$	675			$	1,835			$	53,915			$	55,750
Multi-family mortgage	—				3,676				3,676				620				563,130				563,750
Nonresidential real estate	—				1,176				1,176				288				134,386				134,674
Commercial loans	—				1,308				1,308				—				145,714				145,714
Commercial leases	—				757				757				—				272,629				272,629
Consumer	—				40				40				—				2,211				2,211
	$	—			$	7,632			$	7,632			$	2,743			$	1,171,985			1,174,728
Net deferred loan origination costs																					912
Allowance for loan losses																					(7,632		)
Loans, net																					$	1,168,008

	Allowance for loan losses												Loan Balances
	Individually evaluated for impairment				Collectively evaluated for impairment				Total				Individually evaluated for impairment				Collectively evaluated for impairment				Total
December 31, 2018
One-to-four family residential real estate	$	—			$	699			$	699			$	2,218			$	68,153			$	70,371
Multi-family mortgage	—				3,991				3,991				653				619,217				619,870
Nonresidential real estate	27				1,449				1,476				270				152,172				152,442
Construction and land	—				4				4				—				172				172
Commercial loans	—				1,517				1,517				—				187,406				187,406
Commercial leases	—				755				755				—				299,394				299,394
Consumer	—				28				28				—				1,539				1,539
	$	27			$	8,443			$	8,470			$	3,141			$	1,328,053			1,331,194
Net deferred loan origination costs																					1,069
Allowance for loan losses																					(8,470		)
Loans, net																					$	1,323,793

Schedule of Accounts, Notes, Loans and Financing Receivable

Loans receivable are as follows:

	December 31,
	2019				2018
One-to-four family residential real estate	$	55,750			$	70,371
Multi-family mortgage	563,750				619,870
Nonresidential real estate	134,674				152,442
Construction and land	—				172
Commercial loans	145,714				187,406
Commercial leases	272,629				299,394
Consumer	2,211				1,539
	1,174,728				1,331,194
Net deferred loan origination costs	912				1,069
Allowance for loan losses	(7,632		)		(8,470		)
Loans, net	$	1,168,008			$	1,323,793

Financing Receivable Credit Quality Indicators

As of December 31, 2019, and based on the most recent analysis performed, the risk category of loans by class of loans is as follows:

	Pass				Special Mention				Substandard				Nonaccrual				Total
One-to-four family residential real estate loans:
Owner occupied	$	43,908			$	36			$	533			$	512			$	44,989
Non-owner occupied	10,696				30				35				—				10,761
Multi-family mortgage:
Illinois	247,757				—				206				—				247,963
Other	315,787				—				—				—				315,787
Nonresidential real estate	134,134				162				90				288				134,674
Commercial loans:
Regional commercial banking	24,853				—				—				—				24,853
Health care	62,084				8,346				—				—				70,430
Direct commercial lessor	50,431				—				—				—				50,431
Commercial leases:
Investment-rated commercial leases	133,332				507				—				—				133,839
Other commercial leases	137,893				761				136				—				138,790
Consumer	2,153				5				53				—				2,211
	$	1,163,028			$	9,847			$	1,053			$	800			$	1,174,728

As of December 31, 2018, and based on the most recent analysis performed, the risk category of loans by class of loans is as follows:

	Pass				Special Mention				Substandard				Nonaccrual				Total
One-to-four family residential real estate loans:
Owner occupied	$	55,353			$	495			$	328			$	1,168			$	57,344
Non-owner occupied	12,911				—				37				79				13,027
Multi-family mortgage:
Illinois	279,021				—				216				—				279,237
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

Past Due Financing Receivables

The following tables present the aging of the recorded investment in past due 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	$	1,383			$	638			$	1,168			$	3,189			$	54,155			$	57,344
Non-owner occupied	393				8				79				480				12,547				13,027
Multi-family mortgage:
Illinois	461				—				—				461				278,776				279,237
Other	—				—				—				—				340,633				340,633
Nonresidential real estate	—				270				—				270				152,172				152,442
Land	—				—				—				—				172				172
Commercial loans:
Regional commercial banking	—				—				—				—				39,574				39,574
Health care	—				—				—				—				85,343				85,343
Direct commercial lessor	—				—				—				—				62,489				62,489
Commercial leases:
Investment-rated commercial leases	498				—				—				498				165,711				166,209
Other commercial leases	—				—				—				—				133,185				133,185
Consumer	39				3				—				42				1,497				1,539
	$	2,774			$	919			$	1,247			$	4,940			$	1,326,254			$	1,331,194

The following tables present the aging of the recorded investment in past due loans at December 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:
Owner occupied	$	777			$	340			$	507			$	1,624			$	43,365			$	44,989
Non-owner occupied	280				15				—				295				10,466				10,761
Multi-family mortgage:
Illinois	981				302				—				1,283				246,680				247,963
Other	—				—				—				—				315,787				315,787
Nonresidential real estate	—				—				288				288				134,386				134,674
Commercial loans:
Regional commercial banking	—				—				—				—				24,853				24,853
Health care	—				—				—				—				70,430				70,430
Direct commercial lessor	—				—				—				—				50,431				50,431
Commercial leases:
Investment-rated commercial leases	826				—				47				873				132,966				133,839
Other commercial leases	543				136				—				679				138,111				138,790
Consumer	24				37				—				61				2,150				2,211
	$	3,431			$	830			$	842			$	5,103			$	1,169,625			$	1,174,728

Schedule of Financing Receivables, Non Accrual Status

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

	Loan Balance				Recorded Investment				Loans Past Due Over 90 Days, still accruing
December 31, 2019
One-to-four family residential real estate	$	598			$	512			$	—
Nonresidential real estate	280				288				—
Investment-rated commercial leases	47				—				47
	$	925			$	800			$	47
December 31, 2018
One-to-four family residential real estate	$	1,445			$	1,168			$	—
One-to-four family residential real estate – non-owner occupied	119				79				—
Nonresidential real estate	356				270				—
	$	1,920			$	1,517			$	—

Allowance for Credit Losses on Financing Receivables

The following table presents the activity in the allowance for loan losses by portfolio segment:

	One-to-four family residential real estate				Multi-family mortgage				Non-residential real estate				Construc-tion and land				Commer-cial loans				Commer-cial leases				Consumer				Total
December 31, 2019
Allowance for loan losses:
Beginning balance	$	699			$	3,991			$	1,476			$	4			$	1,517			$	755			$	28			$	8,470
Provision for (recovery of) loan losses	123				(346		)		(217		)		(4		)		4,224				2				43				3,825
Loans charged off	(222		)		—				(83		)		—				(4,443		)		—				(31		)		(4,779		)
Recoveries	75				31				—				—				10				—				—				116
Total ending allowance balance	$	675			$	3,676			$	1,176			$	—			$	1,308			$	757			$	40			$	7,632
December 31, 2018
Allowance for loan losses:
Beginning balance	850				3,849				1,605				32				1,357				655				18				$	8,366
Provision for (recovery of) loan losses	(126		)		143				(36		)		(30		)		71				95				28				145
Loans charged off	(231		)		(35		)		(93		)		—				(140		)		—				(19		)		(518		)
Recoveries	206				34				—				2				229				5				1				477
Total ending allowance balance	$	699			$	3,991			$	1,476			$	4			$	1,517			$	755			$	28			$	8,470

allowance for loan losses by portfolio segment:

	One-to-four family residential real estate				Multi-family mortgage				Non-residential real estate				Construc-tion and land				Commer-cial loans				Commer-cial leases				Consumer				Total
December 31, 2019
Allowance for loan losses:
Beginning balance	$	699			$	3,991			$	1,476			$	4			$	1,517			$	755			$	28			$	8,470
Provision for (recovery of) loan losses	123				(346		)		(217		)		(4		)		4,224				2				43				3,825
Loans charged off	(222		)		—				(83		)		—				(4,443		)		—				(31		)		(4,779		)
Recoveries	75				31				—				—				10				—				—				116
Total ending allowance balance	$	675			$	3,676			$	1,176			$	—			$	1,308			$	757			$	40			$	7,632
December 31, 2018
Allowance for loan losses:
Beginning balance	850				3,849				1,605				32				1,357				655				18				$	8,366
Provision for (recovery of) loan losses	(126		)		143				(36		)		(30		)		71				95				28				145
Loans charged off	(231		)		(35		)		(93		)		—				(140		)		—				(19		)		(518		)
Recoveries	206				34				—				2				229				5				1				477
Total ending allowance balance	$	699			$	3,991			$	1,476			$	4			$	1,517			$	755			$	28			$	8,470

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