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Loans Receivable (Tables)

3 Months Ended

Mar. 31, 2020

Receivables [Abstract]

Loans receivable

Loans receivable are as follows:

	March 31, 2020				December 31, 2019
One-to-four family residential real estate	$	52,849			$	55,750
Multi-family mortgage	542,421				563,750
Nonresidential real estate	133,432				134,674
Commercial loans	158,049				145,714
Commercial leases	266,063				272,629
Consumer	2,078				2,211
	1,154,892				1,174,728
Net deferred loan origination costs	848				912
Allowance for loan losses	(8,112		)		(7,632		)
Loans, net	$	1,147,628			$	1,168,008

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
March 31, 2020
One-to-four family residential real estate	$	—			$	682			$	682			$	1,826			$	51,023			$	52,849
Multi-family mortgage	—				3,869				3,869				612				541,809				542,421
Nonresidential real estate	—				1,460				1,460				288				133,144				133,432
Commercial loans	—				1,275				1,275				—				158,049				158,049
Commercial leases	—				780				780				88				265,975				266,063
Consumer	—				46				46				—				2,078				2,078
	$	—			$	8,112			$	8,112			$	2,814			$	1,152,078			1,154,892
Net deferred loan origination costs																					848
Allowance for loan losses																					(8,112		)
Loans, net																					$	1,147,628

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

																	Three months ended March 31, 2020
	Loan Balance				Recorded Investment				Partial Charge-off				Allowance for Loan Losses Allocated				Average Investment in Impaired Loans				Interest Income Recognized
March 31, 2020
With no related allowance recorded:
One-to-four family residential real estate	$	2,162			$	1,826			$	346			$	—			$	1,845			$	12
Multi-family mortgage - Illinois	612				612				—				—				616				9
Nonresidential real estate	280				288				—				—				288				—
Other commercial leases	96				88				—				—				50				2
	$	3,150			$	2,814			$	346			$	—			$	2,799			$	23

																	Year ended December 31, 2019
	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

Allowance for loan losses

wance 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
March 31, 2020
Allowance for loan losses:
Beginning balance	$	675			$	3,676			$	1,176			$	—			$	1,308			$	757			$	40			$	7,632
Provision for (recovery of) loan losses	(1		)		181				284				—				(35		)		23				19				471
Loans charged off	(5		)		—				—				—				—				—				(13		)		(18		)
Recoveries	13				12				—				—				2				—				—				27
Total ending allowance balance	$	682			$	3,869			$	1,460			$	—			$	1,275			$	780			$	46			$	8,112
March 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	(44		)		80				39				(1		)		(97		)		(65		)		1				(87		)
Loans charged off	(23		)		—				(28		)		—				—				—				(5		)		(56		)
Recoveries	17				8				—				—				2				—				—				27
Total ending allowance balance	$	649			$	4,079			$	1,487			$	3			$	1,422			$	690			$	24			$	8,354

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
March 31, 2020
One-to-four family residential real estate	$	500			$	476			$	—
Nonresidential real estate	280				288				—
	$	780			$	764			$	—
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

Past Due Financing Receivables

The following tables present the aging of the recorded investment of loans 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
March 31, 2020
One-to-four family residential real estate loans:
Owner occupied	$	657			$	—			$	472			$	1,129			$	41,651			$	42,780
Non-owner occupied	131				—				—				131				9,938				10,069
Multi-family mortgage:
Illinois	1,258				—				—				1,258				233,404				234,662
Other	—				—				—				—				307,759				307,759
Nonresidential real estate	—				—				288				288				133,144				133,432
Commercial loans:
Regional commercial banking	—				—				—				—				23,704				23,704
Health care	—				—				—				—				54,806				54,806
Direct commercial lessor	—				—				—				—				79,539				79,539
Commercial leases:
Investment-rated commercial leases	5,109				—				—				5,109				119,342				124,451
Other commercial leases	4,093				443				—				4,536				137,076				141,612
Consumer	7				7				—				14				2,064				2,078
	$	11,255			$	450			$	760			$	12,465			$	1,142,427			$	1,154,892

	30-59 Days Past Due				60-89 Days Past Due				90 Days or Greater Past Due				Total Past Due				Loans Not Past Due				Total
December 31, 2019
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

Financing Receivable Credit Quality Indicators

	Pass				Special Mention				Substandard				Nonaccrual				Total
March 31, 2020
One-to-four family residential real estate loans:
Owner occupied	$	41,815			$	83			$	406			$	476			$	42,780
Non-owner occupied	10,006				29				34				—				10,069
Multi-family mortgage:
Illinois	234,662				—				—				—				234,662
Other	307,759				—				—				—				307,759
Nonresidential real estate	132,894				161				89				288				133,432
Commercial loans:
Regional commercial banking	23,704				—				—				—				23,704
Health care	53,863				943				—				—				54,806
Direct commercial lessor	79,539				—				—				—				79,539
Commercial leases:
Investment-rated commercial leases	124,451				—				—				—				124,451
Other commercial leases	139,882				307				1,423				—				141,612
Consumer	2,059				10				9				—				2,078
	$	1,150,634			$	1,533			$	1,961			$	764			$	1,154,892

	Pass				Special Mention				Substandard				Nonaccrual				Total
December 31, 2019
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

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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.

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