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Loans Receivable and Allowance for Loan Losses (Tables) | 6 Months Ended
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Jun. 30, 2018
Accounts, Notes, Loans and Financing Receivable [Line Items] |
Recorded Investment in Loans Receivable |
﻿ |  |  |  |  |
﻿ | June 30, 2018 |  | December 31, 2017
﻿ |  | (In Thousands)
﻿Originated loans: |  |  |  |  |
﻿Residential one-to-four family | $ | 203,661 |  | $ | 182,544
﻿Commercial and multi-family |  | 1,452,907 |  |  | 1,213,390
﻿Construction |  | 51,599 |  |  | 50,497
﻿Commercial business(1) |  | 105,101 |  |  | 66,775
﻿Home equity(2) |  | 52,382 |  |  | 38,725
﻿Consumer |  | 645 |  |  | 1,183
﻿ |  |  |  |  |
﻿Sub-total |  | 1,866,295 |  |  | 1,553,114
﻿ |  |  |  |  |
﻿Acquired loans initially recorded at fair value: |  |  |  |  |
﻿Residential one-to-four family |  | 44,933 |  |  | 47,808
﻿Commercial and multi-family |  | 158,094 |  |  | 46,609
﻿Construction |  | 1,798 |  |  | -
﻿Commercial business(1) |  | 31,680 |  |  | 4,057
﻿Home equity(2) |  | 21,725 |  |  | 8,955
﻿Consumer |  | 199 |  |  | 122
﻿ |  |  |  |  |
﻿Sub-total |  | 258,429 |  |  | 107,551
﻿ |  |  |  |  |
﻿Acquired loans with deteriorated credit: |  |  |  |  |
﻿Residential one-to-four family |  | 1,402 |  |  | 1,413
﻿Commercial and multi-family |  | 11,880 |  |  | 731
﻿Construction |  | 2,670 |  |  | -
﻿Commercial business(1) |  | 986 |  |  | -
﻿Home equity(2) |  | 400 |  |  | -
﻿Consumer |  | 54 |  |  | -
﻿ |  |  |  |  |
﻿Sub-total |  | 17,392 |  |  | 2,144
﻿ |  |  |  |  |
﻿Total Loans |  | 2,142,116 |  |  | 1,662,809
﻿ |  |  |  |  |
﻿Less: |  |  |  |  |
﻿Deferred loan fees, net |  | (1,647) |  |  | (1,757)
﻿Allowance for loan losses |  | (20,640) |  |  | (17,375)
﻿ |  |  |  |  |
﻿Sub-total |  | (22,287) |  |  | (19,132)
﻿ |  |  |  |  |
﻿Total Loans, net | $ | 2,119,829 |  | $ | 1,643,677
﻿ |  |  |  |  |
﻿_____________________________ |  |  |  |  |
﻿(1) Includes business lines of credit. |  |  |  |  |
﻿(2) Includes home equity lines of credit. |  |  |  |  |
﻿ |  |  |  |  |
﻿ |  |  |  |  |
﻿ |  |  |  |  |
﻿
Accretable And Non-Accretable Discount on Loans Acquired |
﻿ |  |
﻿ |  | Six months ended June 30, 2018
﻿(Dollars in thousands) |  |
﻿Accretable yield, beginning balance | $ | -
﻿Acquisition of impaired loans |  | 1,399
﻿Accretable yield amortized to interest income |  | (208)
﻿Reclassification from non-accretable difference |  | -
﻿Accretable yield, ending balance | $ | 1,191
﻿
Allowance for Loan Losses | The following table sets forth the activity in the Company’s allowance for loan losses for the three months ended June 30, 2018. The table also details the amount of total loans receivable, loans receivable that are evaluated individually and collectively for impairment, and the related portion of the allowance for loan losses that is allocated to each loan class, as of June 30, 2018. (In Thousands): ﻿ ﻿
﻿ |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
﻿ | Residential |  |  | Commercial & Multi-family |  | Construction |  | Commercial Business (1) |  | Home Equity (2) |  | Consumer |  | Unallocated |  | Total
﻿Allowance for loan losses: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
﻿ |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
﻿Originated Loans: | $ | 2,245 |  | $ | 11,880 |  | $ | 492 |  | $ | 2,676 |  | $ | 384 |  | $ | 4 |  | $ | 198 |  | $ | 17,879
﻿Acquired loans initially recorded at fair value: |  | 369 |  |  | - |  |  | - |  |  | 24 |  |  | - |  |  | - |  |  | - |  |  | 393
﻿Acquired loans with deteriorated credit: |  | 53 |  |  | 12 |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | 65
﻿Beginning Balance, March 31, 2018 |  | 2,667 |  |  | 11,892 |  |  | 492 |  |  | 2,700 |  |  | 384 |  |  | 4 |  |  | 198 |  |  | 18,337
﻿ |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
﻿Charge-offs: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
﻿Originated Loans: |  | - |  |  | - |  |  | - |  |  | 5 |  |  | - |  |  | - |  |  | - |  |  | 5
﻿Acquired loans initially recorded at fair value: |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | -
﻿Acquired loans with deteriorated credit: |  | - |  |  |  |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | -
﻿Sub-total: |  | - |  |  | - |  |  | - |  |  | 5 |  |  | - |  |  | - |  |  | - |  |  | 5
﻿ |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
﻿Recoveries: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
﻿Originated Loans: |  | 1 |  |  | - |  |  | - |  |  | 6 |  |  | - |  |  | - |  |  | - |  |  | 7
﻿Acquired loans initially recorded at fair value: |  | 85 |  |  | - |  |  | - |  |  | 12 |  |  | - |  |  | - |  |  | - |  |  | 97
﻿Acquired loans with deteriorated credit: |  | - |  |  | - |  |  | - |  |  | 144 |  |  | - |  |  | - |  |  | - |  |  | 144
﻿Sub-total: |  | 86 |  |  | - |  |  | - |  |  | 162 |  |  | - |  |  | - |  |  | - |  |  | 248
﻿ |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
﻿Provisions: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
﻿Originated Loans: |  | 3 |  |  | 1,204 |  |  | 24 |  |  | 723 |  |  | 63 |  |  | 37 |  |  | 90 |  |  | 2,144
﻿Acquired loans initially recorded at fair value: |  | (36) |  |  | 92 |  |  | - |  |  | 4 |  |  | - |  |  | - |  |  | - |  |  | 60
﻿Acquired loans with deteriorated credit: |  | - |  |  | - |  |  | - |  |  | (144) |  |  | - |  |  | - |  |  | - |  |  | (144)
﻿Sub-total: |  | (33) |  |  | 1,296 |  |  | 24 |  |  | 583 |  |  | 63 |  |  | 37 |  |  | 90 |  |  | 2,060
﻿ |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
﻿Totals: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
﻿Originated Loans: |  | 2,249 |  |  | 13,084 |  |  | 516 |  |  | 3,400 |  |  | 447 |  |  | 41 |  |  | 288 |  |  | 20,025
﻿Acquired loans initially recorded at fair value: |  | 418 |  |  | 92 |  |  | - |  |  | 40 |  |  | - |  |  | - |  |  | - |  |  | 550
﻿Acquired loans with deteriorated credit: |  | 53 |  |  | 12 |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | 65
﻿Ending Balance, June 30, 2018 | $ | 2,720 |  | $ | 13,188 |  | $ | 516 |  | $ | 3,440 |  | $ | 447 |  | $ | 41 |  | $ | 288 |  | $ | 20,640
﻿ |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
﻿Loans Receivable: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
﻿ |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
﻿Ending Balance Originated Loans: | $ | 203,661 |  | $ | 1,452,907 |  | $ | 51,599 |  | $ | 105,101 |  | $ | 52,382 |  | $ | 645 |  | $ | - |  | $ | 1,866,295
﻿Ending Balance Acquired loans initially recorded at fair value: |  | 44,933 |  |  | 158,094 |  |  | 1,798 |  |  | 31,680 |  |  | 21,725 |  |  | 199 |  |  | - |  |  | 258,429
﻿Ending Balance Acquired loans with deteriorated credit: |  | 1,402 |  |  | 11,880 |  |  | 2,670 |  |  | 986 |  |  | 400 |  |  | 54 |  |  | - |  |  | 17,392
﻿Total Gross Loans: | $ | 249,996 |  | $ | 1,622,881 |  | $ | 56,067 |  | $ | 137,767 |  | $ | 74,507 |  | $ | 898 |  | $ | - |  | $ | 2,142,116
﻿ |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
﻿Ending Balance: Loans individually |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
﻿evaluated for impairment: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
﻿Ending Balance Originated Loans: | $ | 6,255 |  | $ | 12,848 |  | $ | - |  | $ | 2,226 |  | $ | 1,099 |  | $ | 42 |  | $ | - |  | $ | 22,470
﻿Ending Balance Acquired loans initially recorded at fair value: |  | 6,534 |  |  | 4,384 |  |  | - |  |  | - |  |  | 329 |  |  | - |  |  | - |  |  | 11,247
﻿Ending Balance Acquired loans with deteriorated credit: |  | 1,401 |  |  | 11,671 |  |  | 2,670 |  |  | 986 |  |  | 400 |  |  | 54 |  |  | - |  |  | 17,182
﻿Ending Balance Loans individually |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
﻿evaluated for impairment: | $ | 14,190 |  | $ | 28,903 |  | $ | 2,670 |  | $ | 3,212 |  | $ | 1,828 |  | $ | 96 |  | $ | - |  | $ | 50,899
﻿ |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
﻿Ending Balance: Loans collectively |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
﻿ evaluated for impairment: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
﻿Ending Balance Originated Loans: | $ | 197,406 |  | $ | 1,440,059 |  | $ | 51,599 |  | $ | 102,875 |  | $ | 51,283 |  | $ | 603 |  | $ | - |  | $ | 1,843,825
﻿Ending Balance Acquired loans initially recorded at fair value: |  | 38,399 |  |  | 153,710 |  |  | 1,798 |  |  | 31,680 |  |  | 21,396 |  |  | 199 |  |  | - |  |  | 247,182
﻿Ending Balance Acquired loans with deteriorated credit: |  | 1 |  |  | 209 |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | 210
﻿Ending Balance Loans collectively |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
﻿evaluated for impairment: | $ | 235,805 |  | $ | 1,593,978 |  | $ | 53,397 |  | $ | 134,555 |  | $ | 72,679 |  | $ | 802 |  | $ | - |  | $ | 2,091,217
﻿_____________________________ |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
﻿(1) Includes business lines of credit. |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
﻿(2) Includes home equity lines of credit. |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
﻿ |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Note 7 - Loans Receivable and Allowance for Loan Losses (Continued) The following table set forth the activity in the Company’s allowance for loan losses for the six months ended June 30, 2018, and the related portion of the allowances for loan losses that is allocated to each loan class (in thousands): ﻿ ﻿
﻿ |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
﻿ |  | Residential |  |  | Commercial & Multi-family |  | Construction |  | Commercial Business (1) |  |  | Home Equity (2) |  | Consumer |  | Unallocated |  | Total
﻿Allowance for credit losses: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
﻿ |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
﻿Originated Loans: |  | $ | 2,368 |  | $ | 11,656 |  | $ | 518 |  | $ | 2,018 |  | $ | 338 |  | $ | 6 |  | $ | 177 |  | $ | 17,081
﻿Acquired loans initially recorded at fair value: |  |  | 242 |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | 242
﻿Acquired loans with deteriorated credit: |  |  | 40 |  |  | 12 |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | 52
﻿Beginning Balance, December 31, 2017 |  |  | 2,650 |  |  | 11,668 |  |  | 518 |  |  | 2,018 |  |  | 338 |  |  | 6 |  |  | 177 |  |  | 17,375
﻿ |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
﻿Charge-offs: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
﻿Originated Loans: |  |  | 302 |  | - | - |  |  | - |  | - | 5 |  | - | - |  | - | - |  | - | - |  | - | 307
﻿Acquired loans initially recorded at fair value: |  |  | 72 |  | - | - |  |  | - |  | - | - |  | - | 6 |  | - | - |  | - | - |  | - | 78
﻿Acquired loans with deteriorated credit: |  |  | - |  | - | - |  |  | - |  | - | - |  | - | - |  | - | - |  | - | - |  | - | -
﻿Sub-total: |  |  | 374 |  |  | - |  |  | - |  |  | 5 |  |  | 6 |  |  | - |  |  | - |  |  | 385
﻿ |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
﻿Recoveries: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
﻿Originated Loans: |  |  | 1 |  |  | - |  |  | - |  |  | 6 |  |  | - |  |  | - |  |  | - |  |  | 7
﻿Acquired loans initially recorded at fair value: |  |  | 85 |  |  | - |  |  | - |  |  | 12 |  |  | - |  |  | - |  |  | - |  |  | 97
﻿Acquired loans with deteriorated credit: |  |  | - |  |  | - |  |  | - |  |  | 144 |  |  | - |  |  | - |  |  | - |  |  | 144
﻿Sub-total: |  |  | 86 |  |  | - |  |  | - |  |  | 162 |  |  | - |  |  | - |  |  | - |  |  | 248
﻿ |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
﻿Provisions: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
﻿Originated Loans: |  |  | 182 |  |  | 1,428 |  |  | (2) |  |  | 1,381 |  |  | 109 |  |  | 35 |  |  | 111 |  |  | 3,244
﻿Acquired loans initially recorded at fair value: |  |  | 163 |  |  | 92 |  |  | - |  |  | 28 |  |  | 6 |  |  | - |  |  | - |  |  | 289
﻿Acquired loans with deteriorated credit: |  |  | 13 |  |  | - |  |  | - |  |  | (144) |  |  | - |  |  | - |  |  | - |  |  | (131)
﻿Sub-total: |  |  | 358 |  |  | 1,520 |  |  | (2) |  |  | 1,265 |  |  | 115 |  |  | 35 |  |  | 111 |  |  | 3,402
﻿ |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
﻿Totals: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
﻿Originated Loans: |  |  | 2,249 |  |  | 13,084 |  |  | 516 |  |  | 3,400 |  |  | 447 |  |  | 41 |  |  | 288 |  |  | 20,025
﻿Acquired loans initially recorded at fair value: |  |  | 418 |  |  | 92 |  |  | - |  |  | 40 |  |  | - |  |  | - |  |  | - |  |  | 550
﻿Acquired loans with deteriorated credit: |  |  | 53 |  |  | 12 |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | 65
﻿Ending Balance, June 30, 2018 |  | $ | 2,720 |  | $ | 13,188 |  | $ | 516 |  | $ | 3,440 |  | $ | 447 |  | $ | 41 |  | $ | 288 |  | $ | 20,640
﻿ |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
﻿_____________________________ |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
﻿(1) Includes business lines of credit. |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
﻿(2) Includes home equity lines of credit. |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
﻿ ﻿ Note 7 - Loans Receivable and Allowance for Loan Losses (Continued) ﻿ The following table details the amount of total loans receivable that are evaluated individually and collectively for impairment, and the related portion of the allowance for loan losses that is allocated to each loan class, as of December 31, 2017. (In Thousands): ____
﻿ |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
﻿ |  |  | Residential |  |  | Commercial & Multi-family |  |  | Construction |  |  | Commercial Business (1) |  | Home Equity (2) |  | Consumer |  |  | Unallocated |  |  | Total
﻿ |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
﻿Ending Balance Originated Loans: |  | $ | 182,544 |  | $ | 1,213,390 |  | $ | 50,497 |  | $ | 66,775 |  | $ | 38,725 |  | $ | 1,183 |  | $ | - |  | $ | 1,553,114
﻿Ending Balance Acquired Loans: |  |  | 47,808 |  |  | 46,609 |  |  | - |  |  | 4,057 |  |  | 8,955 |  |  | 122 |  |  | - |  |  | 107,551
﻿Ending Balance Acquired loans with deteriorated credit: |  |  | 1,413 |  |  | 731 |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | 2,144
﻿Total Gross Loans: |  | $ | 231,765 |  | $ | 1,260,730 |  | $ | 50,497 |  | $ | 70,832 |  | $ | 47,680 |  | $ | 1,305 |  | $ | - |  | $ | 1,662,809
﻿ |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
﻿Ending Balance: Loans individually |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
﻿evaluated for impairment: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
﻿Ending Balance Originated Loans: |  | $ | 7,944 |  | $ | 12,212 |  | $ | - |  | $ | 1,780 |  | $ | 1,042 |  | $ | - |  | $ | - |  | $ | 22,978
﻿Ending Balance Acquired Loans: |  |  | 7,548 |  |  | 5,032 |  |  | - |  |  | - |  |  | 302 |  |  | - |  |  | - |  |  | 12,882
﻿Ending Balance Acquired loans with deteriorated credit: |  |  | 1,413 |  |  | 513 |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | 1,926
﻿Ending Balance Loans individually evaluated |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
﻿for impairment: |  | $ | 16,905 |  | $ | 17,757 |  | $ | - |  | $ | 1,780 |  | $ | 1,344 |  | $ | - |  | $ | - |  | $ | 37,786
﻿ |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
﻿Ending Balance: Loans collectively |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
﻿evaluated for impairment: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
﻿Ending Balance Originated Loans: |  | $ | 174,600 |  | $ | 1,201,178 |  | $ | 50,497 |  | $ | 64,995 |  | $ | 37,683 |  | $ | 1,183 |  | $ | - |  | $ | 1,530,136
﻿Ending Balance Acquired Loans: |  |  | 40,260 |  |  | 41,577 |  |  | - |  |  | 4,057 |  |  | 8,653 |  |  | 122 |  |  | - |  |  | 94,669
﻿Ending Balance Acquired loans with deteriorated credit: |  |  | - |  |  | 218 |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | 218
﻿Ending Balance Loans collectively |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
﻿evaluated for impairment: |  | $ | 214,860 |  | $ | 1,242,973 |  | $ | 50,497 |  | $ | 69,052 |  | $ | 46,336 |  | $ | 1,305 |  | $ | - |  | $ | 1,625,023
﻿
| (1) |  | Includes business lines of credit.
| (2) |  | Includes home equity lines of credit.
﻿ Note 7 - Loans Receivable and Allowance for Loan Losses (Continued) ﻿ The following table sets forth the activity in the Company’s allowance for loan losses for the three months ended June 30, 2017. The table also details the amount of total loans receivable that are evaluated individually and collectively for impairment, and the related portion of the allowance for loan losses that is allocated to each loan class, as of June 30, 2017 (In Thousands): ﻿
﻿ |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
﻿ |  | Residential |  |  | Commercial & Multi-family |  | Construction |  | Business (1) |  | Equity (2) |  | Consumer |  | Unallocated |  | Total
﻿Allowance for credit losses: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
﻿ |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
﻿Originated Loans: |  | $ | 2,151 |  | $ | 10,850 |  | $ | 756 |  | $ | 3,117 |  | $ | 335 |  | $ | 2 |  | $ | 150 |  | $ | 17,361
﻿Acquired loans initially recorded at fair value: |  |  | 112 |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | 112
﻿Acquired loans with deteriorated credit: |  |  | 41 |  |  | 12 |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | 53
﻿Beginning Balance, March 31, 2017 |  |  | 2,304 |  |  | 10,862 |  |  | 756 |  |  | 3,117 |  |  | 335 |  |  | 2 |  |  | 150 |  |  | 17,526
﻿ |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
﻿Charge-offs: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
﻿Originated Loans: |  |  | - |  | - | 119 | - |  | - |  |  | - |  | - | - |  | - | - |  | - | - |  | - | 119
﻿Acquired loans initially recorded at fair value: |  |  | 219 |  | - | - |  |  | - |  |  | - |  |  | - |  | - | - |  | - | - |  | - | 219
﻿Sub-total: |  |  | 219 |  |  | 119 |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | 338
﻿ |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
﻿Provisions: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
﻿Originated Loans: |  |  | (59) |  |  | 451 |  |  | (3) |  |  | 112 |  |  | 12 |  |  | 3 |  |  | (51) |  |  | 465
﻿Acquired loans initially recorded at fair value: |  |  | 310 |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  |  |  |  | 310
﻿Acquired loans with deteriorated credit: |  |  | - |  |  | 1 |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | 1
﻿Sub-total: |  |  | 251 |  |  | 452 |  |  | (3) |  |  | 112 |  |  | 12 |  |  | 3 |  |  | (51) |  |  | 776
﻿ |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
﻿Totals: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
﻿Originated Loans: |  |  | 2,092 |  |  | 11,182 |  |  | 753 |  |  | 3,229 |  |  | 347 |  |  | 5 |  |  | 99 |  |  | 17,707
﻿Acquired loans initially recorded at fair value: |  |  | 203 |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | 203
﻿Acquired loans with deteriorated credit: |  |  | 41 |  |  | 13 |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | 54
﻿Ending Balance, June 30, 2017 |  | $ | 2,336 |  | $ | 11,195 |  | $ | 753 |  | $ | 3,229 |  | $ | 347 |  | $ | 5 |  | $ | 99 |  | $ | 17,964
﻿ |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
﻿Loans Receivable: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
﻿ |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
﻿Ending Balance Originated Loans: |  | $ | 164,562 |  | $ | 1,130,902 |  | $ | 73,376 |  | $ | 68,230 |  | $ | 38,058 |  | $ | 1,196 |  | $ | - |  | $ | 1,476,324
﻿Ending Balance Acquired loans initially recorded at fair value: |  |  | 52,382 |  |  | 51,933 |  |  | - |  |  | 3,752 |  |  | 10,304 |  |  | 176 |  |  | - |  |  | 118,547
﻿Ending Balance Acquired loans with deteriorated credit: |  |  | 1,425 |  |  | 742 |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | 2,167
﻿Total Gross Loans: |  | $ | 218,369 |  | $ | 1,183,577 |  | $ | 73,376 |  | $ | 71,982 |  | $ | 48,362 |  | $ | 1,372 |  | $ | - |  | $ | 1,597,038
﻿ |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
﻿Ending Balance: Loans individually |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
﻿evaluated for impairment: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
﻿Ending Balance Originated Loans: |  | $ | 9,038 |  | $ | 12,783 |  | $ | - |  | $ | 4,180 |  | $ | 1,093 |  | $ | - |  | $ | - |  | $ | 27,094
﻿Ending Balance Acquired loans initially recorded at fair value: |  |  | 7,771 |  |  | 5,832 |  |  | - |  |  | - |  |  | 685 |  |  | - |  |  | - |  |  | 14,288
﻿Ending Balance Acquired loans with deteriorated credit: |  |  | 1,425 |  |  | 519 |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | 1,944
﻿Ending Balance Loans individually |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
﻿evaluated for impairment: |  | $ | 18,234 |  | $ | 19,134 |  | $ | - |  | $ | 4,180 |  | $ | 1,778 |  | $ | - |  | $ | - |  | $ | 43,326
﻿ |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
﻿Ending Balance: Loans collectively |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
﻿evaluated for impairment: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
﻿Ending Balance Originated Loans: |  | $ | 155,524 |  | $ | 1,118,119 |  | $ | 73,376 |  | $ | 64,050 |  | $ | 36,965 |  | $ | 1,196 |  | $ | - |  | $ | 1,449,230
﻿Ending Balance Acquired loans initially recorded at fair value: |  |  | 44,611 |  |  | 46,101 |  |  | - |  |  | 3,752 |  |  | 9,619 |  |  | 176 |  |  | - |  |  | 104,259
﻿Ending Balance Acquired loans with deteriorated credit: |  |  | - |  |  | 223 |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | 223
﻿Ending Balance Loans collectively |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
﻿evaluated for impairment: |  | $ | 200,135 |  | $ | 1,164,443 |  | $ | 73,376 |  | $ | 67,802 |  | $ | 46,584 |  | $ | 1,372 |  | $ | - |  | $ | 1,553,712
﻿_____________________________ |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
﻿(1) Includes business lines of credit. |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
﻿(2) Includes home equity lines of credit. |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
﻿ |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
﻿ Note 7 - Loans Receivable and Allowance for Loan Losses (Continued) ﻿ The following table sets forth the activity in the Company’s allowance for loans losses for the six months ended June 30, 2017, and the related portion of the allowance for loan losses that is allocated to each loan class (in thousands): ﻿ ﻿
﻿ |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
﻿ |  | Residential |  |  | Commercial & Multi-family |  | Construction |  | Commercial Business (1) |  |  | Home Equity (2) |  | Consumer |  | Unallocated |  | Total
﻿Allowance for credit losses: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
﻿ |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
﻿Originated Loans: |  | $ | 2,098 |  | $ | 10,621 |  | $ | 736 |  | $ | 3,079 |  | $ | 374 |  | $ | 2 |  | $ | 69 |  | $ | 16,979
﻿Acquired loans initially recorded at fair value: |  |  | 170 |  |  | - |  |  | - |  |  | - |  |  | 4 |  |  | - |  |  | - |  |  | 174
﻿Acquired loans with deteriorated credit: |  |  | 43 |  |  | 13 |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | 56
﻿Beginning Balance, December 31, 2016 |  |  | 2,311 |  |  | 10,634 |  |  | 736 |  |  | 3,079 |  |  | 378 |  |  | 2 |  |  | 69 |  |  | 17,209
﻿ |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
﻿Charge-offs: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
﻿Originated Loans: |  |  | - |  |  | 190 |  |  | - |  |  | - |  |  | - |  |  | 6 |  |  | - |  | - | 196
﻿Acquired loans initially recorded at fair value: |  |  | 308 |  |  | - |  |  | - |  |  | - |  |  | 34 |  |  | - |  |  | - |  | - | 342
﻿Sub-total: |  |  | 308 |  |  | 190 |  |  | - |  |  | - |  |  | 34 |  |  | 6 |  |  | - |  |  | 538
﻿ |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
﻿Recoveries: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
﻿Acquired loans with deteriorated credit: |  |  | - |  |  | - |  |  | - |  |  | 19 |  |  | - |  |  | - |  |  | - |  |  | 19
﻿Sub-total: |  |  | - |  |  | - |  |  | - |  |  | 19 |  |  | - |  |  | - |  |  | - |  |  | 19
﻿ |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
﻿Provisions: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
﻿Originated Loans: |  |  | (6) |  |  | 751 |  |  | 17 |  |  | 150 |  |  | (27) |  |  | 9 |  |  | 30 |  |  | 924
﻿Acquired loans initially recorded at fair value: |  |  | 341 |  |  | - |  |  | - |  |  | - |  |  | 30 |  |  | - |  |  | - |  |  | 371
﻿Acquired loans with deteriorated credit: |  |  | (2) |  |  | - |  |  | - |  |  | (19) |  |  | - |  |  | - |  |  | - |  |  | (21)
﻿Sub-total: |  |  | 333 |  |  | 751 |  |  | 17 |  |  | 131 |  |  | 3 |  |  | 9 |  |  | 30 |  |  | 1,274
﻿ |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
﻿Totals: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
﻿Originated Loans: |  |  | 2,092 |  |  | 11,182 |  |  | 753 |  |  | 3,229 |  |  | 347 |  |  | 5 |  |  | 99 |  |  | 17,707
﻿Acquired loans initially recorded at fair value: |  |  | 203 |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | 203
﻿Acquired loans with deteriorated credit: |  |  | 41 |  |  | 13 |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | 54
﻿Ending Balance, June 30, 2017 |  | $ | 2,336 |  | $ | 11,195 |  | $ | 753 |  | $ | 3,229 |  | $ | 347 |  | $ | 5 |  | $ | 99 |  | $ | 17,964
﻿ |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
﻿_____________________________ |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
﻿(1) Includes business lines of credit. |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
﻿(2) Includes home equity lines of credit. |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
﻿ |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
﻿
Non-Accruing Loans |
﻿ |  |  |  |  |
﻿ |  | As of June 30, 2018 |  |  | As of December 31, 2017
﻿ |  | (In Thousands) |  |  | (In Thousands)
﻿Non-Accruing Loans: |  |  |  |  |
﻿ |  |  |  |  |
﻿Originated loans: |  |  |  |  |
﻿Residential one-to-four family | $ | 1,480 |  | $ | 2,545
﻿Commercial and multi-family |  | 5,578 |  |  | 6,762
﻿Commercial business(1) |  | 163 |  |  | 299
﻿Home equity(2) |  | 397 |  |  | 201
﻿Consumer |  | 42 |  |  | -
﻿ |  |  |  |  |
﻿Sub-total: |  | 7,660 |  |  | 9,807
﻿ |  |  |  |  |
﻿Acquired loans initially recorded at fair value: |  |  |  |  |
﻿Residential one-to-four family |  | 2,474 |  |  | 2,372
﻿Commercial and multi-family |  | 590 |  |  | 850
﻿Home equity(2) |  | 39 |  |  | 7
﻿ |  |  |  |  |
﻿Sub-total: |  | 3,103 |  |  | 3,229
﻿ |  |  |  |  |
﻿Total | $ | 10,763 |  | $ | 13,036
﻿ |  |  |  |  |
﻿ |  |  |  |  |
﻿ |  |  |  |  |
﻿ __________ (1) Includes business lines of credit. (2) Includes home equity lines of credit.
Impaired Loans | The following table summarizes the average recorded investment and interest income recognized on impaired loans with no related allowance recorded by portfolio class for the three months and six months ended June 30, 2018 and 2017 (In Thousands): ﻿ ﻿ ﻿
﻿ |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
﻿ |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
﻿ |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
﻿ |  | Three Months Ended June 30, |  | Six Months Ended June 30,
﻿ |  | 2018 |  |  | 2018 |  |  | 2017 |  |  | 2017 |  | 2018 |  |  | 2018 |  |  | 2017 |  |  | 2017
﻿ |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
﻿ |  | Average |  |  | Interest |  |  | Average |  |  | Interest |  | Average |  |  | Interest |  |  | Average |  |  | Interest
﻿ |  | Recorded |  |  | Income |  |  | Recorded |  |  | Income |  | Recorded |  |  | Income |  |  | Recorded |  |  | Income
﻿Originated loans |  | Investment |  |  | Recognized |  |  | Investment |  |  | Recognized |  | Investment |  |  | Recognized |  |  | Investment |  |  | Recognized
﻿With no related allowance recorded: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
﻿ |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
﻿Residential one-to-four family | $ | 1,912 |  | $ | 7 |  | $ | 3,640 |  | $ | 24 |  | 1,965 |  | $ | 15 |  | $ | 4,299 |  | $ | 49
﻿Commercial and Multi-family |  | 11,973 |  |  | 86 |  |  | 12,365 |  |  | 63 |  | 12,052 |  |  | 172 |  |  | 11,287 |  |  | 125
﻿Commercial business(1) |  | - |  |  | 43 |  |  | 712 |  |  | 11 |  | 622 |  |  | 87 |  |  | 1,095 |  |  | 21
﻿Home equity(2) |  | 843 |  |  | 7 |  |  | 865 |  |  | 9 |  | 912 |  |  | 15 |  |  | 941 |  |  | 18
﻿ Consumer |  | 926 |  |  | - |  |  | - |  |  | - |  | - |  |  | - |  |  | 3 |  |  | -
﻿ |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
﻿Sub-total: | $ | 15,654 |  | $ | 143 |  | $ | 17,582 |  | $ | 107 |  | 15,551 |  | $ | 289 |  | $ | 17,625 |  | $ | 213
﻿ |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
﻿ |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
﻿Acquired loans initially recorded at fair value |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
﻿With no related allowance recorded: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
﻿ |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
﻿Residential one-to-four family | $ | 3,385 |  | $ | 23 |  | $ | 5,306 |  | $ | 35 |  | 3,630 |  | $ | 46 |  | $ | 4,998 |  | $ | 71
﻿Commercial and Multi-family |  | 3,639 |  |  | 54 |  |  | 4,127 |  |  | 56 |  | 3,683 |  |  | 109 |  |  | 4,845 |  |  | 112
﻿Home equity(2) |  | 245 |  |  | 3 |  |  | 628 |  |  | - |  | 235 |  |  | 7 |  |  | 563 |  |  | 12
﻿Consumer |  | - |  |  | - |  |  | - |  |  | 6 |  | - |  |  | - |  |  | - |  |  | -
﻿ |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
﻿Sub-total | $ | 7,269 |  | $ | 80 |  | $ | 10,061 |  | $ | 97 |  | 7,548 |  | $ | 162 |  | $ | 10,406 |  | $ | 195
﻿ |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
﻿Acquired loans with deteriorated credit |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
﻿With no related allowance recorded: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
﻿ |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
﻿Residential one-to-four family | $ | 1,035 |  | $ | 16 |  | $ | 1,430 |  | $ | 22 |  | 1,161 |  | $ | 33 |  | $ | 1,434 |  | $ | 44
﻿Commercial and Multi-family |  | 6,091 |  |  | 122 |  |  | 520 |  |  | 7 |  | 4,231 |  |  | 244 |  |  | 521 |  |  | 14
﻿ Construction |  | 1,335 |  |  | 213 |  |  | - |  |  | - |  | 890 |  |  | 426 |  |  |  |  |  |
﻿Commercial business(1) |  | 493 |  |  | 135 |  |  | - |  |  | - |  | 329 |  |  | 270 |  |  |  |  |  |
﻿Home equity(2) |  | 200 |  |  | 5 |  |  | - |  |  | - |  | 133 |  |  | 10 |  |  |  |  |  |
﻿ Consumer |  | 27 |  |  | 1 |  |  | - |  |  | - |  | 18 |  |  | 1 |  |  | - |  |  | -
﻿ |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
﻿Sub-total: | $ | 9,181 |  | $ | 492 |  | $ | 1,950 |  | $ | 29 |  | 6,762 |  | $ | 984 |  | $ | 1,955 |  | $ | 58
﻿ |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
﻿Total Impaired Loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
﻿With no related allowance recorded: | $ | 32,104 |  | $ | 715 |  | $ | 29,593 |  | $ | 233 |  | 29,861 |  | $ | 1,435 |  | $ | 29,986 |  | $ | 466
﻿ ﻿ __________ (1) Includes business lines of credit. (2) Includes home equity lines of credit. Note 7 - Loans Receivable and Allowance for Loan Losses (Continued) ﻿ The following table summarizes the average recorded investment and interest income recognized on impaired loans with allowance recorded by portfolio class for the three and six months ended June 30, 2018 and 2017. (In Thousands): ﻿ ﻿
﻿ |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
﻿ |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
﻿ |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
﻿ |  | Three Months Ended June 30, |  |  | Six Months Ended June 30,
﻿ |  | 2018 |  |  | 2018 |  |  | 2017 |  |  | 2017 |  |  | 2018 |  |  | 2018 |  |  | 2017 |  |  | 2017
﻿ |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
﻿ |  | Average |  |  | Interest |  |  | Average |  |  | Interest |  |  | Average |  |  | Interest |  |  | Average |  |  | Interest
﻿ |  | Recorded |  |  | Income |  |  | Recorded |  |  | Income |  |  | Recorded |  |  | Income |  |  | Recorded |  |  | Income
﻿Originated loans |  | Investment |  |  | Recognized |  |  | Investment |  |  | Recognized |  |  | Investment |  |  | Recognized |  |  | Investment |  |  | Recognized
﻿with an allowance recorded: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
﻿ |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
﻿Residential one-to-four family | $ | 4,752 |  | $ | 47 |  | $ | 6,026 |  | $ | 48 |  | $ | 5,125 |  | $ | 95 |  | $ | 5,546 |  | $ | 96
﻿Commercial and Multi-family |  | 485 |  |  | - |  |  | 839 |  |  | 10 |  |  | 323 |  |  | - |  |  | 1,267 |  |  | 19
﻿Commercial business(1) |  | 1,094 |  |  | 20 |  |  | 3,427 |  |  | 35 |  |  | 1,262 |  |  | 40 |  |  | 3,039 |  |  | 69
﻿Home equity(2) |  | 156 |  |  | 2 |  |  | 284 |  |  | 3 |  |  | 156 |  |  | 3 |  |  | 287 |  |  | 5
﻿Consumer |  | 21 |  |  | - |  |  | - |  |  | - |  |  | 14 |  |  | - |  |  | - |  |  | -
﻿ |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
﻿Sub-total: | $ | 6,508 |  | $ | 69 |  | $ | 10,576 |  | $ | 96 |  | $ | 6,880 |  | $ | 138 |  | $ | 10,139 |  | $ | 189
﻿ |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
﻿ |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
﻿Acquired loans initially recorded at fair value |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
﻿with an allowance recorded: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
﻿ |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
﻿Residential one-to-four family | $ | 3,564 |  | $ | 28 |  | $ | 2,590 |  | $ | 21 |  | $ | 3,519 |  | $ | 56 |  | $ | 2,688 |  | $ | 43
﻿Commercial and Multi-family |  | 923 |  |  | 5 |  |  | 1,718 |  |  | 16 |  |  | 1,035 |  |  | 9 |  |  | 1,249 |  |  | 32
﻿Home equity(2) |  | 85 |  |  | 1 |  |  | 106 |  |  | 2 |  |  | 85 |  |  | 3 |  |  | 313 |  |  | 3
﻿ |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
﻿Sub-total | $ | 4,572 |  | $ | 34 |  | $ | 4,414 |  | $ | 39 |  | $ | 4,639 |  | $ | 68 |  | $ | 4,250 |  | $ | 78
﻿ |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
﻿Acquired loans with deteriorated credit |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
﻿with an allowance recorded: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
﻿ |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
﻿Residential one-to-four family | $ | 370 |  | $ | 5 |  | $ | - |  | $ | - |  | $ | 246 |  | $ | 10 |  | $ | - |  | $ | -
﻿ |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
﻿Sub-total: | $ | 370 |  | $ | 5 |  | $ | - |  | $ | - |  | $ | 246 |  | $ | 10 |  | $ | - |  | $ | -
﻿ |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
﻿Total Impaired Loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
﻿with an allowance recorded: | $ | 11,450 |  | $ | 108 |  | $ | 14,990 |  | $ | 135 |  | $ | 11,765 |  | $ | 216 |  | $ | 14,389 |  | $ | 267
﻿ ﻿ __________ (1) Includes business lines of credit. (2) Includes home equity lines of credit. Note 7 - Loans Receivable and Allowance for Loan Losses (Continued) ﻿ The following table summarizes the recorded investment and unpaid principal balances where there is no related allowance on impaired loans by portfolio class at June 30, 2018 and December 31, 2017. (In Thousands): ﻿ ﻿
﻿ |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
﻿ |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
﻿ |  | As of June 30, 2018 |  |  | As of December 31, 2017
﻿ |  | Recorded |  |  | Unpaid Principal |  |  | Related |  |  | Recorded |  |  | Unpaid Principal |  |  | Related
﻿Originated loans |  | Investment |  |  | Balance |  |  | Allowance |  |  | Investment |  |  | Balance |  |  | Allowance
﻿with no related allowance recorded: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
﻿ |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
﻿Residential one-to-four family | $ | 1,934 |  | $ | 1,975 |  | $ | - |  | $ | 2,073 |  | $ | 2,236 |  | $ | -
﻿Commercial and multi-family |  | 12,363 |  |  | 12,819 |  |  | - |  |  | 12,212 |  |  | 12,763 |  |  | -
﻿Commercial business(1) |  | 1,104 |  |  | 3,991 |  |  | - |  |  | 181 |  |  | 908 |  |  | -
﻿Home equity(2) |  | 944 |  |  | 999 |  |  | - |  |  | 885 |  |  | 932 |  |  | -
﻿ |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
﻿Sub-total: | $ | 16,345 |  | $ | 19,784 |  | $ | - |  | $ | 15,351 |  | $ | 16,839 |  | $ | -
﻿ |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
﻿Acquired loans initially recorded at fair |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
﻿value with no related allowance |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
﻿recorded: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
﻿ |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
﻿Residential one-to-four family | $ | 3,138 |  | $ | 3,302 |  | $ | - |  | $ | 4,119 |  | $ | 4,285 |  | $ | -
﻿Commercial and Multi-family |  | 3,464 |  |  | 3,464 |  |  | - |  |  | 3,772 |  |  | 3,773 |  |  | -
﻿Home equity(2) |  | 244 |  |  | 244 |  |  | - |  |  | 216 |  |  | 268 |  |  | -
﻿ |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
﻿Sub-total: | $ | 6,846 |  | $ | 7,010 |  | $ | - |  | $ | 8,107 |  | $ | 8,326 |  | $ | -
﻿ |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
﻿Acquired loans with deteriorated |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
﻿credit with no related allowance |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
﻿recorded: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
﻿ |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
﻿Residential one-to-four family | $ | 1,032 |  | $ | 1,595 |  | $ | - |  | $ | 1,413 |  | $ | 2,031 |  | $ | -
﻿Commercial and Multi-family |  | 11,671 |  |  | 12,145 |  |  | - |  |  | 513 |  |  | 537 |  |  | -
﻿Construction |  | 2,670 |  |  | 11,886 |  |  | - |  |  | - |  |  | - |  |  | -
﻿Commercial business(1) |  | 986 |  |  | 7,355 |  |  | - |  |  | - |  |  | - |  |  | -
﻿Home equity(2) |  | 400 |  |  | 400 |  |  | - |  |  | - |  |  | - |  |  | -
﻿Consumer |  | 54 |  |  | 54 |  |  | - |  |  | - |  |  | - |  |  | -
﻿ |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
﻿Sub-total: | $ | 16,813 |  | $ | 33,435 |  | $ | - |  | $ | 1,926 |  | $ | 2,568 |  | $ | -
﻿ |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
﻿Total Impaired Loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
﻿with no related allowance recorded: | $ | 40,004 |  | $ | 60,229 |  | $ | - |  | $ | 25,384 |  | $ | 27,733 |  | $ | -
﻿ __________ (1) Includes business lines of credit. (2) Includes home equity lines of credit. Note 7 - Loans Receivable and Allowance for Loan Losses (Continued) The following table summarizes the recorded investment, unpaid principal balance, and the related allowance on impaired loans by portfolio class at June 30, 2018 and December 31, 2017. (In Thousands): ﻿
﻿ |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
﻿ |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
﻿ |  | As of June 30, 2018 |  |  | As of December 31, 2017
﻿ |  | Recorded |  |  | Unpaid Principal |  |  | Related |  |  | Recorded |  |  | Unpaid Principal |  |  | Related
﻿Originated loans |  | Investment |  |  | Balance |  |  | Allowance |  |  | Investment |  |  | Balance |  |  | Allowance
﻿with an allowance recorded: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
﻿ |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
﻿Residential one-to-four family | $ | 4,321 |  | $ | 4,321 |  | $ | 252 |  | $ | 5,871 |  | $ | 5,871 |  | $ | 508
﻿Commercial and Multi-family |  | 485 |  |  | 526 |  |  | 112 |  |  | - |  |  | - |  |  | -
﻿Commercial business(1) |  | 1,122 |  |  | 1,420 |  |  | 834 |  |  | 1,599 |  |  | 2,431 |  |  | 1,033
﻿Home equity(2) |  | 155 |  |  | 155 |  |  | 23 |  |  | 157 |  |  | 157 |  |  | 25
﻿Consumer |  | 42 |  |  | 42 |  |  | 42 |  |  | - |  |  | - |  |  | -
﻿ |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
﻿Sub-total: | $ | 6,125 |  | $ | 6,464 |  | $ | 1,263 |  | $ | 7,627 |  | $ | 8,459 |  | $ | 1,566
﻿ |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
﻿Acquired loans initially recorded at fair |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
﻿value with an allowance |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
﻿recorded: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
﻿ |  |  |  |  |  |  |  |  |  |  |  |  |  | - |  |  |
﻿Residential one-to-four family | $ | 3,396 |  | $ | 3,547 |  | $ | 463 |  | $ | 3,429 |  | $ | 3,580 |  | $ | 281
﻿Commercial and Multi-family |  | 920 |  |  | 973 |  |  | 293 |  |  | 1,260 |  |  | 1,313 |  |  | 179
﻿Home equity(2) |  | 85 |  |  | 85 |  |  | 6 |  |  | 86 |  |  | 86 |  |  | 7
﻿ |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
﻿Sub-total | $ | 4,401 |  | $ | 4,605 |  | $ | 762 |  | $ | 4,775 |  | $ | 4,979 |  | $ | 467
﻿ |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
﻿Acquired loans with deteriorated |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
﻿credit with an allowance |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
﻿recorded: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
﻿ |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
﻿Residential one-to-four family | $ | 369 |  | $ | 417 |  | $ | 13 |  | $ | - |  | $ | - |  | $ | -
﻿ |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
﻿Sub-total: | $ | 369 |  | $ | 417 |  | $ | 13 |  | $ | - |  | $ | - |  | $ | -
﻿ |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
﻿Total Impaired Loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
﻿with an allowance recorded: | $ | 10,895 |  | $ | 11,486 |  | $ | 2,038 |  | $ | 12,402 |  | $ | 13,438 |  | $ | 2,033
﻿ |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
﻿Total Impaired Loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
﻿with no related allowance recorded: | $ | 40,004 |  | $ | 60,229 |  | $ | - |  | $ | 25,384 |  | $ | 27,733 |  | $ | -
﻿ |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
﻿Total Impaired Loans: | $ | 50,899 |  | $ | 71,715 |  | $ | 2,038 |  | $ | 37,786 |  | $ | 41,171 |  | $ | 2,033
﻿ |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
__________ (1) Includes business lines of credit. (2) Includes home equity lines of credit.
Troubled Debt Restructurings | ﻿
﻿ |  |  |  |
﻿ |  | At June 30, 2018 |  | At December 31, 2017
﻿ |  | (In thousands)
﻿Recorded investment in TDRs: |  |  |  |
﻿Accrual status | $ | 20,693 | $ | 20,058
﻿Non-accrual status |  | 7,535 |  | 8,408
﻿ Total recorded investment in TDRs | $ | 28,228 | $ | 28,466
﻿ |  |  |  |
﻿ |  |  |  |
﻿ |  |  |  |
﻿ \ |  |  |  |
There were no TDRs during the three months ended June 30, 2018 The following table summarizes information with regard to troubled debt restructurings which occurred during the three months ended June 30 th, 2017.
﻿ |  |  |  |  |  |  |  |
﻿Three Months Ended June 30, 2017 (Dollars in Thousands) |  |  |  |  | Pre-Modification Outstanding |  |  | Post-Modification Outstanding
﻿ |  | Number of Contracts |  |  | Recorded Investments |  |  | Recorded Investments
﻿ |  |  |  |  |  |  |  |
﻿Originated loans: |  |  |  |  |  |  |  |
﻿Commercial and multi-family |  | 1 |  |  | 2,804 |  |  | 2,851
﻿ |  |  |  |  |  |  |  |
﻿Sub-total: |  | 1 |  | $ | 2,804 |  | $ | 2,851
﻿ |  |  |  |  |  |  |  |
﻿Acquired loans initially recorded at fair value: |  |  |  |  |  |  |  |
﻿Residential one-to-four family |  | 3 |  | $ | 767 |  | $ | 919
﻿ |  |  |  |  |  |  |  |
﻿Sub-total: |  | 3 |  | $ | 767 |  | $ | 919
﻿ |  |  |  |  |  |  |  |
﻿Total |  | 4 |  | $ | 3,571 |  | $ | 3,770
﻿ The loans included above are considered TDRs as a result of the Company implementing one or more of the following concessions: granting a material extension of time, issuing a forbearance agreement, adjusting the interest rate to a below market rate and/or accepting interest only for a period of time or a change in amortization period. All TDRs were considered impaired and therefore were individually evaluated for impairment in the calculation of the allowance for loan losses. Prior to their classification as TDRs, certain of these loans had been collectively evaluated for impairment in the calculation of the allowance for loan losses. ﻿ Note 7 - Loans Receivable and Allowance for Loan Losses (Continued) Troubled debt restructurings for which there was a payment default within twelve months of restructuring during the three months ended June 30 totaled $639,000 for one contract in 2018 and $1,358,000 for t wo contracts in 2017. ﻿ The following tables summarize information with regards to troubled debt restructuring which occurred during the six months ended June 30, 2018 and 2017 (dollars in thousands): ﻿
﻿ |  |  |  |  |  |  |  |
﻿Six Months Ended June 30, 2018 |  |  |  |  | Pre-Modification Outstanding |  |  | Post-Modification Outstanding
﻿ |  | Number of Contracts |  |  | Recorded Investments |  |  | Recorded Investments
﻿ |  |  |  |  |  |  |  |
﻿Originated loans: |  |  |  |  |  |  |  |
﻿Residential one-to-four family |  | 1 |  | $ | 640 |  | $ | 640
﻿Commercial and multi-family |  | - |  |  | - |  |  | -
﻿Commercial business(1) |  | - |  |  | - |  |  | -
﻿Home equity(2) |  | - |  |  | - |  |  | -
﻿ |  |  |  |  |  |  |  |
﻿Sub-total: |  | 1 |  |  | 640 |  |  | 640
﻿ |  |  |  |  |  |  |  |
﻿Acquired loans initially recorded at fair value: |  |  |  |  |  |  |  |
﻿Residential one-to-four family |  | 1 |  |  | 179 |  |  | 179
﻿Commercial and Multi-family |  | - |  |  | - |  |  | -
﻿Commercial business(1) |  | - |  |  | - |  |  | -
﻿Home equity(2) |  | - |  |  | - |  |  | -
﻿ |  |  |  |  |  |  |  |
﻿Sub-total: |  | 1 |  |  | 179 |  |  | 179
﻿ |  |  |  |  |  |  |  |
﻿Total |  | 2 |  | $ | 819 |  | $ | 819
_________ (1) Includes business lines of credit. (2) Includes home equity lines of credit. ﻿ ﻿ ﻿
﻿ |  |  |  |  |  |  |  |
﻿Six Months Ended June 30, 2017 |  |  |  |  | Pre-Modification Outstanding |  |  | Post-Modification Outstanding
﻿ |  | Number of Contracts |  |  | Recorded Investments |  |  | Recorded Investments
﻿ |  |  |  |  |  |  |  |
﻿Originated loans: |  |  |  |  |  |  |  |
﻿Residential one-to-four family |  | 2 |  | $ | 1,445 |  | $ | 1,556
﻿Commercial and multi-family |  | 3 |  |  | 4,441 |  |  | 4,608
﻿ |  |  |  |  |  |  |  |
﻿Sub-total: |  | 5 |  |  | 5,886 |  |  | 6,164
﻿ |  |  |  |  |  |  |  |
﻿Acquired loans initially recorded at fair value: |  |  |  |  |  |  |  |
﻿Residential one-to-four family |  | 4 |  |  | 840 |  |  | 1,023
﻿ |  |  |  |  |  |  |  |
﻿Sub-total: |  | 4 |  |  | 840 |  |  | 1,023
﻿ |  |  |  |  |  |  |  |
﻿Total |  | 9 |  | $ | 6,726 |  | $ | 7,187
﻿
Delinquency Status of Total Loans |
﻿ |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
﻿ |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Loans Receivable
﻿ | 30-59 Days |  | 60-90 Days |  | Greater Than |  | Total Past |  |  |  |  | Total Loans |  | >90 Days
﻿ | Past Due |  | Past Due |  | 90 Days |  | Due |  | Current |  | Receivable |  | and Accruing
﻿ |  | (In Thousands)
﻿Originated loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
﻿Residential one-to-four family | $ | 1,649 |  | $ | 406 |  | $ | 1,217 |  | $ | 3,272 |  | $ | 200,389 |  | $ | 203,661 |  | $ | -
﻿Commercial and multi-family |  | 6,980 |  |  | 1,531 |  |  | 1,294 |  |  | 9,805 |  |  | 1,443,102 |  |  | 1,452,907 |  |  | 125
﻿Construction |  | - |  |  | - |  |  | - |  |  | - |  |  | 51,599 |  |  | 51,599 |  |  | -
﻿Commercial business(1) |  | 192 |  |  | 66 |  |  | 696 |  |  | 954 |  |  | 104,147 |  |  | 105,101 |  |  | 599
﻿Home equity(2) |  | 313 |  |  | 44 |  |  | 326 |  |  | 683 |  |  | 51,699 |  |  | 52,382 |  |  | 122
﻿Consumer |  | 3 |  |  | 1 |  |  | 42 |  |  | 46 |  |  | 599 |  |  | 645 |  |  | -
﻿ |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
﻿Sub-total: | $ | 9,137 |  | $ | 2,048 |  | $ | 3,575 |  | $ | 14,760 |  | $ | 1,851,535 |  | $ | 1,866,295 |  | $ | 846
﻿ |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
﻿Acquired loans initially recorded at fair value: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
﻿Residential one-to-four family | $ | 315 |  | $ | 284 |  | $ | 1,783 |  | $ | 2,382 |  | $ | 42,551 |  |  | 44,933 |  | $ | -
﻿Commercial and multi-family |  | 5,877 |  |  | 2,564 |  |  | 590 |  |  | 9,031 |  |  | 149,063 |  |  | 158,094 |  |  | -
﻿Construction |  | 643 |  |  | - |  |  | - |  |  | 643 |  |  | 1,155 |  |  | 1,798 |  |  | 247
﻿Commercial business(1) |  | 4,456 |  |  | 21 |  |  | 247 |  |  | 4,724 |  |  | 26,956 |  |  | 31,680 |  |  | -
﻿Home equity(2) |  | 474 |  |  | 128 |  |  | 39 |  |  | 641 |  |  | 21,084 |  |  | 21,725 |  |  | -
﻿Consumer |  | - |  |  | - |  |  | - |  |  | - |  |  | 199 |  |  | 199 |  |  | -
﻿ |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
﻿Sub-total: | $ | 11,765 |  | $ | 2,997 |  | $ | 2,659 |  | $ | 17,421 |  | $ | 241,008 |  | $ | 258,429 |  | $ | 247
﻿ |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
﻿Acquired loans with deteriorated credit: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
﻿Residential one-to-four family | $ | - |  | $ | 55 |  | $ | 115 |  | $ | 170 |  | $ | 1,232 |  |  | 1,402 |  | $ | -
﻿Commercial and multi-family |  | 360 |  |  | 145 |  |  | 9,391 |  |  | 9,896 |  |  | 1,984 |  |  | 11,880 |  |  | -
﻿ Construction |  | - |  |  | 820 |  |  | 987 |  |  | 1,807 |  |  | 863 |  |  | 2,670 |  |  | -
﻿Commercial business(1) |  | - |  |  | - |  |  |  |  |  | - |  |  | 986 |  |  | 986 |  |  | -
﻿Home equity(2) |  | - |  |  |  |  |  |  |  |  | - |  |  | 400 |  |  | 400 |  |  | -
﻿Consumer |  | - |  |  | - |  |  | 54 |  |  | 54 |  |  | - |  |  | 54 |  |  | -
﻿ |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
﻿Sub-total: | $ | 360 |  | $ | 1,020 |  | $ | 10,547 |  | $ | 11,927 |  | $ | 5,465 |  | $ | 17,392 |  | $ | -
﻿ |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
﻿Total | $ | 21,262 |  | $ | 6,065 |  | $ | 16,781 |  | $ | 44,108 |  | $ | 2,098,008 |  | $ | 2,142,116 |  | $ | 1,093
﻿ _________ (1) Includes business lines of credit. (2) Includes home equity lines of credit. ﻿ Note 7 - Loans Receivable and Allowance for Loan Losses (Continued) The following table sets forth the delinquency status of total loans receivable at December 31, 2017: ﻿
﻿ |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
﻿ |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
﻿ |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Loans Receivable
﻿ | 30-59 Days |  | 60-90 Days |  | Greater Than |  | Total Past |  |  |  |  | Total Loans |  | >90 Days
﻿ | Past Due |  | Past Due |  | 90 Days |  | Due |  | Current |  | Receivable |  | and Accruing
﻿ |  | (In Thousands)
﻿Originated loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
﻿Residential one-to-four family | $ | 1,358 |  | $ | 1,604 |  | $ | 2,273 |  | $ | 5,235 |  | $ | 177,309 |  | $ | 182,544 |  | $ | -
﻿Commercial and multi-family |  | 20,210 |  |  | 887 |  |  | - |  |  | 21,097 |  |  | 1,192,293 |  |  | 1,213,390 |  |  | -
﻿Construction |  | 5,687 |  |  | - |  |  | - |  |  | 5,687 |  |  | 44,810 |  |  | 50,497 |  |  | -
﻿Commercial business(1) |  | 161 |  |  | 640 |  |  | 103 |  |  | 904 |  |  | 65,871 |  |  | 66,775 |  |  | -
﻿Home equity(2) |  | 314 |  |  | 215 |  |  | 44 |  |  | 573 |  |  | 38,152 |  |  | 38,725 |  |  | -
﻿Consumer |  | 8 |  |  | - |  |  | - |  |  | 8 |  |  | 1,175 |  |  | 1,183 |  |  | -
﻿ |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
﻿Sub-total: | $ | 27,738 |  | $ | 3,346 |  | $ | 2,420 |  | $ | 33,504 |  | $ | 1,519,610 |  | $ | 1,553,114 |  | $ | -
﻿ |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
﻿Acquired loans initially recorded at fair value: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
﻿Residential one-to-four family | $ | 643 |  | $ | 379 |  | $ | 1,738 |  | $ | 2,760 |  | $ | 45,048 |  |  | 47,808 |  | $ | 315
﻿Commercial and multi-family |  | 1,539 |  |  | - |  |  | 850 |  |  | 2,389 |  |  | 44,220 |  |  | 46,609 |  |  | -
﻿Commercial business(1) |  | 92 |  |  | - |  |  | - |  |  | 92 |  |  | 3,965 |  |  | 4,057 |  |  | -
﻿Home equity(2) |  | 240 |  |  | 324 |  |  | 7 |  |  | 571 |  |  | 8,384 |  |  | 8,955 |  |  | -
﻿Consumer |  | - |  |  | - |  |  | - |  |  | - |  |  | 122 |  |  | 122 |  |  | -
﻿ |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
﻿Sub-total: | $ | 2,514 |  | $ | 703 |  | $ | 2,595 |  | $ | 5,812 |  | $ | 101,739 |  | $ | 107,551 |  | $ | 315
﻿ |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
﻿Acquired loans with deteriorated credit: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
﻿Residential one-to-four family | $ | - |  | $ | - |  | $ | - |  | $ | - |  | $ | 1,413 |  | $ | 1,413 |  | $ | -
﻿Commercial and multi-family |  | - |  |  | - |  |  | - |  |  | - |  |  | 731 |  |  | 731 |  |  | -
﻿ |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
﻿Sub-total: | $ | - |  | $ | - |  | $ | - |  | $ | - |  | $ | 2,144 |  | $ | 2,144 |  | $ | -
﻿ |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
﻿Total | $ | 30,252 |  | $ | 4,049 |  | $ | 5,015 |  | $ | 39,316 |  | $ | 1,623,493 |  | $ | 1,662,809 |  | $ | 315
﻿ |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
﻿ |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
﻿ (1) Includes business lines of credit. (2) Includes home equity lines of credit.
Loan Portfolio By Pass Rating |
﻿ |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
﻿ | Pass |  | Special Mention |  | Substandard |  | Doubtful |  | Loss |  | Total
﻿ |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
﻿Originated loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
﻿Residential one-to-four family | $ | 198,623 |  | $ | 2,919 |  | $ | 2,119 |  | $ | - |  | $ | - |  | $ | 203,661
﻿Commercial and multi-family |  | 1,438,487 |  |  | 3,838 |  |  | 10,582 |  |  | - |  |  | - |  |  | 1,452,907
﻿Construction |  | 51,599 |  |  | - |  |  | - |  |  | - |  |  | - |  |  | 51,599
﻿Commercial business(1) |  | 101,090 |  |  | 1,786 |  |  | 2,189 |  |  | - |  |  | 36 |  |  | 105,101
﻿Home equity(2) |  | 51,533 |  |  | 399 |  |  | 450 |  |  | - |  |  | - |  |  | 52,382
﻿Consumer |  | 593 |  |  | 10 |  |  | 42 |  |  | - |  |  | - |  |  | 645
﻿ |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
﻿Sub-total: | $ | 1,841,925 |  | $ | 8,952 |  | $ | 15,382 |  | $ | - |  | $ | 36 |  | $ | 1,866,295
﻿ |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
﻿Acquired loans initially recorded at fair value: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
﻿Residential one-to-four family | $ | 41,818 |  | $ | 474 |  | $ | 2,641 |  | $ | - |  | $ | - |  |  | 44,933
﻿Commercial and multi-family |  | 155,672 |  |  | 393 |  |  | 2,029 |  |  | - |  |  | - |  |  | 158,094
﻿Construction |  | 1,749 |  |  | 49 |  |  | - |  |  | - |  |  | - |  |  | 1,798
﻿Commercial business(1) |  | 31,627 |  |  | 53 |  |  | - |  |  | - |  |  | - |  |  | 31,680
﻿Home equity(2) |  | 21,638 |  |  | 19 |  |  | 68 |  |  | - |  |  | - |  |  | 21,725
﻿Consumer |  | 199 |  |  | - |  |  | - |  |  | - |  |  | - |  |  | 199
﻿ |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
﻿Sub-total: | $ | 252,703 |  | $ | 988 |  | $ | 4,738 |  | $ | - |  | $ | - |  | $ | 258,429
﻿ |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
﻿Acquired loans with deteriorated credit: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
﻿Residential one-to-four family | $ | 159 |  | $ | 567 |  | $ | 676 |  | $ | - |  | $ | - |  |  | 1,402
﻿Commercial and multi-family |  | 760 |  |  | 507 |  |  | 10,613 |  |  | - |  |  | - |  |  | 11,880
﻿Construction |  | 863 |  |  | - |  |  | 1,807 |  |  | - |  |  | - |  |  | 2,670
﻿Commercial business(1) |  | 633 |  |  | - |  |  | 353 |  |  | - |  |  | - |  |  | 986
﻿Home equity(2) |  | 400 |  |  | - |  |  | - |  |  | - |  |  | - |  |  | 400
﻿Consumer |  | 54 |  |  | - |  |  | - |  |  | - |  |  | - |  |  | 54
﻿ |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
﻿Sub-total: | $ | 2,869 |  | $ | 1,074 |  | $ | 13,449 |  | $ | - |  | $ | - |  | $ | 17,392
﻿ |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
﻿Total Gross Loans | $ | 2,097,497 |  | $ | 11,014 |  | $ | 33,569 |  | $ | - |  | $ | 36 |  | $ | 2,142,116
﻿ |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
﻿ _________ (1) Includes business lines of credit. (2) Includes home equity lines of credit. Note 7 - Loans Receivable and Allowance for Loan Losses (Continued) The following table presents the loan portfolio types summarized by the aggregate pass rating and the classified ratings of special mention, substandard, doubtful, and loss within the Company’s internal risk rating system as of December 31, 2017. (In Thousands): ﻿
﻿ |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
﻿ |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
﻿ | Pass |  | Special Mention |  | Substandard |  | Doubtful |  | Loss |  | Total
﻿ |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
﻿Originated loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
﻿Residential one-to-four family | $ | 174,985 |  | $ | 5,014 |  | $ | 2,545 |  | $ | - |  | $ | - |  | $ | 182,544
﻿Commercial and multi-family |  | 1,199,786 |  |  | 2,676 |  |  | 10,928 |  |  | - |  |  | - |  |  | 1,213,390
﻿Construction |  | 50,262 |  |  | 235 |  |  | - |  |  | - |  |  | - |  |  | 50,497
﻿Commercial business(1) |  | 63,323 |  |  | 1,672 |  |  | 1,738 |  |  | - |  |  | 42 |  |  | 66,775
﻿Home equity(2) |  | 38,018 |  |  | 451 |  |  | 256 |  |  | - |  |  | - |  |  | 38,725
﻿Consumer |  | 1,177 |  |  | 6 |  |  | - |  |  | - |  |  | - |  |  | 1,183
﻿ |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
﻿Sub-total: | $ | 1,527,551 |  | $ | 10,054 |  | $ | 15,467 |  | $ | - |  | $ | 42 |  | $ | 1,553,114
﻿ |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
﻿Acquired loans initially recorded at fair value: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
﻿Residential one-to-four family | $ | 44,472 |  | $ | 481 |  | $ | 2,855 |  | $ | - |  | $ | - |  |  | 47,808
﻿Commercial and multi-family |  | 43,569 |  |  | 402 |  |  | 2,638 |  |  | - |  |  | - |  |  | 46,609
﻿Commercial business(1) |  | 4,057 |  |  | - |  |  | - |  |  | - |  |  | - |  |  | 4,057
﻿Home equity(2) |  | 8,896 |  |  | 20 |  |  | 32 |  |  | - |  |  | 7 |  |  | 8,955
﻿Consumer |  | 122 |  |  | - |  |  | - |  |  | - |  |  | - |  |  | 122
﻿ |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
﻿Sub-total: | $ | 101,116 |  | $ | 903 |  | $ | 5,525 |  | $ | - |  | $ | 7 |  | $ | 107,551
﻿ |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
﻿Acquired loans with deteriorated credit: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
﻿Residential one-to-four family | $ | 153 |  | $ | 571 |  | $ | 689 |  | $ | - |  | $ | - |  |  | 1,413
﻿Commercial and multi-family |  | 218 |  |  | 513 |  |  | - |  |  | - |  |  | - |  |  | 731
﻿ |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
﻿Sub-total: | $ | 371 |  | $ | 1,084 |  | $ | 689 |  | $ | - |  | $ | - |  | $ | 2,144
﻿ |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
﻿Total Gross Loans | $ | 1,629,038 |  | $ | 12,041 |  | $ | 21,681 |  | $ | - |  | $ | 49 |  | $ | 1,662,809
﻿ ﻿ ________ (1) Includes business lines of credit. (2) Includes home equity lines of credit.
Inclusions in the Consolidated Statements of Financial Condition |
﻿ |  |  |  |  |
﻿ |  |  |  |  |
﻿ | June 30, |  | December 31,
﻿ | 2018 |  | 2017
﻿ |  |  |  |  |
﻿Unpaid principal balance | $ | 331,490 |  | $ | 114,542
﻿Recorded investment |  | 275,821 |  |  | 109,695
﻿
Acquired loans with deteriorated credit [Member] |
Accounts, Notes, Loans and Financing Receivable [Line Items] |
Accretable And Non-Accretable Discount on Loans Acquired | ﻿ ﻿ The following table presents changes in the accretable discount on loans acquired with deteriorated credit quality for which the Company applies the provisions of ASC 310-30 (In Thousands): ﻿ ﻿
﻿ |  |  |  |  |  |  |  |  |  |  |
﻿ |  |  |  |  |  |  |  |  |  |  |
﻿ | Three Months Ended June 30, |  | Six Months Ended June 30,
﻿ | 2018 |  | 2017 |  | 2018 |  | 2017
﻿ |  |  |  |  |  |  |  |  |  |  |
﻿Balance, Beginning of Period | $ | 2,146 |  | $ | 2,478 |  | $ | 2,230 |  | $ | 2,558
﻿ Additions from acquisition of IAB |  | 1,399 |  |  | - |  |  | 1,399 |  |  | -
﻿ Accretion recorded to interest income |  | (292) |  |  | (80) |  |  | (376) |  |  | (160)
﻿Balance, End of Period | $ | 3,253 |  | $ | 2,398 |  | $ | 3,253 |  | $ | 2,398
﻿

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