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Loans Receivable and Allowance for Loan Losses (Tables) | 3 Months Ended
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Mar. 31, 2020
Loans Receivable and Allowance for Loan Losses [Abstract] |
Recorded Investment in Loans Receivable |
| March 31, 2020 |  | December 31, 2019
|  | (In Thousands)
Residential one-to-four family | $ | 268,137 |  | $ | 248,381
Commercial and multi-family |  | 1,577,816 |  |  | 1,606,976
Construction |  | 101,692 |  |  | 104,996
Commercial business(1) |  | 177,146 |  |  | 177,642
Home equity(2) |  | 64,857 |  |  | 64,638
Consumer |  | 1,029 |  |  | 682
|  | 2,190,677 |  |  | 2,203,315
Less: |  |  |  |  |
Deferred loan fees, net |  | (1,086) |  |  | (1,174)
Allowance for loan losses |  | (25,534) |  |  | (23,734)
Sub-total |  | (26,620) |  |  | (24,908)
Total Loans, net | $ | 2,164,057 |  | $ | 2,178,407
(1) Includes business lines of credit. |  |  |  |  |
(2) Includes home equity lines of credit. |  |  |  |  |
Accretable Discount on Loans Acquired with Deteriorated Credit Quality |
|  | Three months ended March 31, 2020 |  |  | Three months ended March 31, 2019
Balance, beginning of Period | $ | 1,681 |  | $ | 2,704
Accretion recorded to interest income |  | (145) |  |  | (253)
Balance, end of Period | $ | 1,536 |  | $ | 2,451
Unpaid Principal Balance and Related Recorded Investment of Acquired Loans |
| March 31, |  | December 31,
| 2020 |  | 2019
Unpaid principal balance | $ | 214,773 |  | $ | 226,333
Recorded investment |  | 183,208 |  |  | 192,826
Allowance for Loan Losses | The following table sets forth the activity in the Company’s allowance for loan losses for the three months ended March 31, 2020, and the related portion of the allowances for loan losses that is allocated to each loan class, as of March 31, 2020 (in thousands):
| Residential |  |  | Commercial & Multi-family |  | Construction |  | Commercial Business (1) |  | Home Equity (2) |  | Consumer |  | Unallocated |  | Total
Allowance for loan losses: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Originated Loans: | $ | 2,422 |  | $ | 15,235 |  | $ | 1,244 |  | $ | 2,945 |  | $ | 330 |  | $ | - |  | $ | 273 |  | $ | 22,449
Acquired loans initially recorded at fair value: |  | 261 |  |  | 58 |  |  | - |  |  | 803 |  |  | - |  |  | - |  |  | - |  |  | 1,122
Acquired loans with deteriorated credit: |  | 39 |  |  | 79 |  |  | - |  |  | 42 |  |  | 3 |  |  | - |  |  | - |  |  | 163
Beginning Balance, January 1, 2020 |  | 2,722 |  |  | 15,372 |  |  | 1,244 |  |  | 3,790 |  |  | 333 |  |  | - |  |  | 273 |  |  | 23,734
Charge-offs: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Originated Loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Acquired loans initially recorded at fair value: |  | 4 |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | 4
Sub-total: |  | 4 |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | 4
Recoveries: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Originated Loans: |  | - |  |  | - |  |  | - |  |  | 302 |  |  | - |  |  | - |  |  | - |  |  | 302
Acquired loans initially recorded at fair value: |  | - |  |  | - |  |  | - |  |  | - |  |  | 2 |  |  | - |  |  | - |  |  | 2
Sub-total: |  | - |  |  | - |  |  | - |  |  | 302 |  |  | 2 |  |  | - |  |  | - |  |  | 304
Provisions: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Originated Loans: |  | 365 |  |  | (368) |  |  | (139) |  |  | (243) |  |  | 291 |  |  | 5 |  |  | 1,489 |  |  | 1,400
Acquired loans initially recorded at fair value: |  | 49 |  |  | 5 |  |  | - |  |  | 107 |  |  | (2) |  |  | - |  |  | - |  |  | 159
Acquired loans with deteriorated credit: |  | (1) |  |  | (60) |  |  | - |  |  | 1 |  |  | 1 |  |  | - |  |  | - |  |  | (59)
Sub-total: |  | 413 |  |  | (423) |  |  | (139) |  |  | (135) |  |  | 290 |  |  | 5 |  |  | 1,489 |  |  | 1,500
Totals: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Originated Loans: |  | 2,787 |  |  | 14,867 |  |  | 1,105 |  |  | 3,004 |  |  | 621 |  |  | 5 |  |  | 1,762 |  |  | 24,151
Acquired loans initially recorded at fair value: |  | 306 |  |  | 63 |  |  | - |  |  | 910 |  |  | - |  |  | - |  |  | - |  |  | 1,279
Acquired loans with deteriorated credit: |  | 38 |  |  | 19 |  |  | - |  |  | 43 |  |  | 4 |  |  | - |  |  | - |  |  | 104
Ending Balance, March 31, 2020 | $ | 3,131 |  | $ | 14,949 |  | $ | 1,105 |  | $ | 3,957 |  | $ | 625 |  | $ | 5 |  | $ | 1,762 |  | $ | 25,534
Ending Balance attributable to loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Individually evaluated for impairment | $ | 354 |  | $ | 332 |  | $ | - |  | $ | 2,524 |  | $ | 22 |  | $ | - |  | $ | - |  | $ | 3,232
Collectively evaluated for impairment |  | 2,777 |  |  | 14,617 |  |  | 1,105 |  |  | 1,433 |  |  | 603 |  |  | 5 |  |  | 1,762 |  |  | 22,302
Totals: | $ | 3,131 |  | $ | 14,949 |  | $ | 1,105 |  | $ | 3,957 |  | $ | 625 |  | $ | 5 |  | $ | 1,762 |  | $ | 25,534
Loans Receivable: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Originated Loans: | $ | 232,892 |  | $ | 1,463,122 |  | $ | 101,692 |  | $ | 157,351 |  | $ | 51,393 |  | $ | 1,019 |  | $ | - |  | $ | 2,007,469
Acquired loans initially recorded at fair value: |  | 33,905 |  |  | 113,973 |  |  | - |  |  | 18,888 |  |  | 13,230 |  |  | 10 |  |  | - |  |  | 180,006
Acquired loans with deteriorated credit: |  | 1,340 |  |  | 721 |  |  | - |  |  | 907 |  |  | 234 |  |  | - |  |  | - |  |  | 3,202
Total Gross Loans: | $ | 268,137 |  | $ | 1,577,816 |  | $ | 101,692 |  | $ | 177,146 |  | $ | 64,857 |  | $ | 1,029 |  | $ | - |  | $ | 2,190,677
Ending Balance: Loans individually |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
evaluated for impairment: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Originated Loans: | $ | 2,896 |  | $ | 3,901 |  | $ | - |  | $ | 2,089 |  | $ | 1,007 |  | $ | - |  | $ | - |  | $ | 9,893
Acquired loans initially recorded at fair value: |  | 4,099 |  |  | 5,273 |  |  | - |  |  | 512 |  |  | 285 |  |  | - |  |  | - |  |  | 10,169
Acquired loans with deteriorated credit: |  | 1,340 |  |  | 721 |  |  | - |  |  | 865 |  |  | 34 |  |  | - |  |  | - |  |  | 2,960
Loans individually |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
evaluated for impairment: | $ | 8,335 |  | $ | 9,895 |  | $ | - |  | $ | 3,466 |  | $ | 1,326 |  | $ | - |  | $ | - |  | $ | 23,022
Ending Balance: Loans collectively |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
evaluated for impairment: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Originated Loans: | $ | 229,996 |  | $ | 1,459,221 |  | $ | 101,692 |  | $ | 155,262 |  | $ | 50,386 |  | $ | 1,019 |  | $ | - |  | $ | 1,997,576
Acquired loans initially recorded at fair value: |  | 29,806 |  |  | 108,700 |  |  | - |  |  | 18,376 |  |  | 12,945 |  |  | 10 |  |  | - |  |  | 169,837
Acquired loans with deteriorated credit: |  | - |  |  | - |  |  | - |  |  | 42 |  |  | 200 |  |  | - |  |  | - |  |  | 242
Loans collectively |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
evaluated for impairment: | $ | 259,802 |  | $ | 1,567,921 |  | $ | 101,692 |  | $ | 173,680 |  | $ | 63,531 |  | $ | 1,029 |  | $ | - |  | $ | 2,167,655
(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 March 31, 2019 (in thousands).
|  | Residential |  |  | Commercial & Multi-family |  | Construction |  | Commercial Business (1) |  | Home Equity (2) |  | Consumer |  | Unallocated |  | Total
Allowance for loan losses: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Originated Loans: |  | $ | 2,374 |  | $ | 14,000 |  | $ | 1,003 |  | $ | 3,869 |  | $ | 313 |  | $ | 2 |  | $ | 189 |  | $ | 21,750
Acquired loans initially recorded at fair value: |  |  | 335 |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | 335
Acquired loans with deteriorated credit: |  |  | 39 |  |  | 168 |  |  | - |  |  | 64 |  |  | 3 |  |  | - |  |  | - |  |  | 274
Beginning Balance, January 1, 2019 |  |  | 2,748 |  |  | 14,168 |  |  | 1,003 |  |  | 3,933 |  |  | 316 |  |  | 2 |  |  | 189 |  |  | 22,359
Charge-offs: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Originated Loans: |  |  | - |  |  | 111 |  |  | - |  |  | 145 |  |  | - |  |  | - |  |  | - |  |  | 256
Sub-total: |  |  | - |  |  | 111 |  |  | - |  |  | 145 |  |  | - |  |  | - |  |  | - |  |  | 256
Recoveries: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Originated Loans: |  |  | - |  |  | - |  |  | - |  |  | 9 |  |  | - |  |  | - |  |  | - |  |  | 9
Acquired loans initially recorded at fair value: |  |  | - |  |  | - |  |  | - |  |  | - |  |  | 3 |  |  | - |  |  | - |  |  | 3
Sub-total: |  |  | - |  |  | - |  |  | - |  |  | 9 |  |  | 3 |  |  | - |  |  | - |  |  | 12
Provisions: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Originated Loans: |  |  | 97 |  |  | 1,188 |  |  | 206 |  |  | (405) |  |  | (48) |  |  | (2) |  |  | (157) |  |  | 879
Acquired loans initially recorded at fair value: |  |  | 69 |  |  | - |  |  | - |  |  | - |  |  | (3) |  |  | - |  |  | - |  |  | 66
Acquired loans with deteriorated credit: |  |  | (7) |  |  | (24) |  |  | - |  |  | (25) |  |  | - |  |  | - |  |  | - |  |  | (56)
Sub-total: |  |  | 159 |  |  | 1,164 |  |  | 206 |  |  | (430) |  |  | (51) |  |  | (2) |  |  | (157) |  |  | 889
Totals: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Originated Loans: |  |  | 2,471 |  |  | 15,077 |  |  | 1,209 |  |  | 3,328 |  |  | 265 |  |  | - |  |  | 32 |  |  | 22,382
Acquired loans initially recorded at fair value: |  |  | 404 |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | 404
Acquired loans with deteriorated credit: |  |  | 32 |  |  | 144 |  |  | - |  |  | 39 |  |  | 3 |  |  | - |  |  | - |  |  | 218
Ending Balance, March 31, 2019 |  | $ | 2,907 |  | $ | 15,221 |  | $ | 1,209 |  | $ | 3,367 |  | $ | 268 |  | $ | - |  | $ | 32 |  | $ | 23,004
_____________________________ |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
(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 amount recorded in loans receivable at December 31, 2019. 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 (in thousands).
|  | Residential |  |  | Commercial & Multi-family |  |  | Construction |  |  | Commercial Business (1) |  |  | Home Equity (2) |  |  | Consumer |  |  | Unallocated |  |  | Total
Allowance for credit losses: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Originated Loans: | $ | 2,374 |  | $ | 14,000 |  | $ | 1,003 |  | $ | 3,869 |  | $ | 313 |  | $ | 2 |  | $ | 189 |  | $ | 21,750
Acquired loans initially recorded at fair value: |  | 335 |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | 335
Acquired loans with deteriorated credit: |  | 39 |  |  | 168 |  |  | - |  |  | 64 |  |  | 3 |  |  | - |  |  | - |  |  | 274
Beginning Balance, January 1, 2019 |  | 2,748 |  |  | 14,168 |  |  | 1,003 |  |  | 3,933 |  |  | 316 |  |  | 2 |  |  | 189 |  |  | 22,359
Charge-offs: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Originated Loans: |  | 1 |  |  | 111 |  |  | - |  |  | 145 |  |  | - |  |  | - |  |  | - |  |  | 257
Acquired loans initially recorded at fair value: |  | 65 |  |  | 118 |  |  | - |  |  | 303 |  |  | - |  |  | - |  |  | - |  |  | 486
Sub-total: |  | 66 |  |  | 229 |  |  | - |  |  | 448 |  |  | - |  |  | - |  |  | - |  |  | 743
Recoveries: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Originated Loans: |  | - |  |  | - |  |  | - |  |  | 15 |  |  | - |  |  | - |  |  | - |  |  | 15
Acquired loans recorded at fair value: |  | 3 |  |  | 10 |  |  | - |  |  | 5 |  |  | 16 |  |  | - |  |  | - |  |  | 34
Sub-total: |  | 3 |  |  | 10 |  |  | - |  |  | 20 |  |  | 16 |  |  | - |  |  | - |  |  | 49
Provisions: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Originated Loans: |  | 49 |  |  | 1,346 |  |  | 241 |  |  | (794) |  |  | 17 |  |  | (2) |  |  | 84 |  |  | 941
Acquired loans initially recorded at fair value: |  | (12) |  |  | 166 |  |  | - |  |  | 1,101 |  |  | (16) |  |  | - |  |  | - |  |  | 1,239
Acquired loans with deteriorated credit: |  | - |  |  | (89) |  |  | - |  |  | (22) |  |  | - |  |  | - |  |  | - |  |  | (111)
Sub-total: |  | 37 |  |  | 1,423 |  |  | 241 |  |  | 285 |  |  | 1 |  |  | (2) |  |  | 84 |  |  | 2,069
Totals: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Originated Loans: |  | 2,422 |  |  | 15,235 |  |  | 1,244 |  |  | 2,945 |  |  | 330 |  |  | - |  |  | 273 |  |  | 22,449
Acquired loans initially recorded at fair value: |  | 261 |  |  | 58 |  |  | - |  |  | 803 |  |  | - |  |  | - |  |  | - |  |  | 1,122
Acquired loans with deteriorated credit: |  | 39 |  |  | 79 |  |  | - |  |  | 42 |  |  | 3 |  |  | - |  |  | - |  |  | 163
Ending Balance, December 31, 2019 | $ | 2,722 |  | $ | 15,372 |  | $ | 1,244 |  | $ | 3,790 |  | $ | 333 |  | $ | - |  | $ | 273 |  | $ | 23,734
Ending Balance attributable to loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Individually evaluated for impairment: |  | 380 |  |  | 342 |  |  | - |  |  | 2,518 |  |  | 24 |  |  | - |  |  | - |  |  | 3,264
Collectively evaluated for impairment: |  | 2,342 |  |  | 15,030 |  |  | 1,244 |  |  | 1,272 |  |  | 309 |  |  | - |  |  | 273 |  |  | 20,470
Totals: | $ | 2,722 |  | $ | 15,372 |  | $ | 1,244 |  | $ | 3,790 |  | $ | 333 |  | $ | - |  | $ | 273 |  | $ | 23,734
Loans Receivable: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Originated Loans: | $ | 212,020 |  | $ | 1,485,286 |  | $ | 104,996 |  | $ | 157,413 |  | $ | 50,100 |  | $ | 674 |  | $ | - |  | $ | 2,010,489
Acquired Loans: |  | 35,010 |  |  | 118,577 |  |  | - |  |  | 19,319 |  |  | 14,302 |  |  | 8 |  |  | - |  |  | 187,216
Acquired loans with deteriorated credit: |  | 1,351 |  |  | 3,113 |  |  | - |  |  | 910 |  |  | 236 |  |  | - |  |  | - |  |  | 5,610
Total Gross Loans: | $ | 248,381 |  | $ | 1,606,976 |  | $ | 104,996 |  | $ | 177,642 |  | $ | 64,638 |  | $ | 682 |  | $ | - |  | $ | 2,203,315
Ending Balance: Loans individually |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
evaluated for impairment: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Originated Loans: | $ | 2,983 |  | $ | 4,469 |  | $ | - |  | $ | 2,511 |  | $ | 963 |  | $ | - |  | $ | - |  | $ | 10,926
Acquired Loans: |  | 4,121 |  |  | 5,649 |  |  | - |  |  | 560 |  |  | 288 |  |  | - |  |  | - |  |  | 10,618
Acquired loans with deteriorated credit: |  | 1,351 |  |  | 3,113 |  |  | - |  |  | 867 |  |  | 37 |  |  | - |  |  | - |  |  | 5,368
Loans individually evaluated for impairment: | $ | 8,455 |  | $ | 13,231 |  | $ | - |  | $ | 3,938 |  | $ | 1,288 |  | $ | - |  | $ | - |  | $ | 26,912
Ending Balance: Loans collectively evaluated for impairment: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Originated Loans: | $ | 209,037 |  | $ | 1,480,817 |  | $ | 104,996 |  | $ | 154,902 |  | $ | 49,137 |  | $ | 674 |  | $ | - |  | $ | 1,999,563
Acquired Loans: |  | 30,889 |  |  | 112,928 |  |  | - |  |  | 18,759 |  |  | 14,014 |  |  | 8 |  |  | - |  |  | 176,598
Acquired loans with deteriorated credit: |  | - |  |  | - |  |  | - |  |  | 43 |  |  | 199 |  |  | - |  |  | - |  |  | 242
Loans collectively evaluated for impairment: | $ | 239,926 |  | $ | 1,593,745 |  | $ | 104,996 |  | $ | 173,704 |  | $ | 63,350 |  | $ | 682 |  | $ | - |  | $ | 2,176,403
(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 ended March 31, 2020 and 2019 (In thousands):
|  | Three Months Ended March 31,
|  | 2020 |  |  | 2020 |  |  | 2019 |  |  | 2019
|  | Average |  |  | Interest |  |  | Average |  |  | Interest
|  | Recorded |  |  | Income |  |  | Recorded |  |  | Income
Originated loans |  | Investment |  |  | Recognized |  |  | Investment |  |  | Recognized
with no related allowance recorded: |  |  |  |  |  |  |  |  |  |  |
Residential one-to-four family | $ | 1,995 |  | $ | 20 |  | $ | 3,073 |  | $ | 28
Commercial and Multi-family |  | 4,185 |  |  | 45 |  |  | 12,221 |  |  | 134
Commercial business(1) |  | 1,055 |  |  | 41 |  |  | 1,063 |  |  | 42
Home equity(2) |  | 608 |  |  | 6 |  |  | 758 |  |  | 6
Sub-total: | $ | 7,843 |  | $ | 112 |  | $ | 17,115 |  | $ | 210
Acquired loans initially recorded at fair value |  |  |  |  |  |  |  |  |  |  |
with no related allowance recorded: |  |  |  |  |  |  |  |  |  |  |
Residential one-to-four family | $ | 1,838 |  | $ | 18 |  | $ | 2,753 |  | $ | 25
Commercial and Multi-family |  | 4,220 |  |  | 47 |  |  | 3,946 |  |  | 55
Commercial business(1) |  | 92 |  |  | - |  |  | 53 |  |  | 1
Home equity(2) |  | 204 |  |  | 3 |  |  | 230 |  |  | 3
Consumer |  | - |  |  | - |  |  | 11 |  |  | -
Sub-total | $ | 6,354 |  | $ | 68 |  | $ | 6,993 |  | $ | 84
Acquired loans with deteriorated credit |  |  |  |  |  |  |  |  |  |  |
with no related allowance recorded: |  |  |  |  |  |  |  |  |  |  |
Residential one-to-four family(3) | $ | 823 |  | $ | 14 |  | $ | 1,019 |  | $ | 16
Commercial and Multi-family(3) |  | 1,917 |  |  | 7 |  |  | 6,050 |  |  | 6
Commercial business(1)(3) |  | 866 |  |  | 2 |  |  | 785 |  |  | -
Home equity(2)(3) |  | 36 |  |  | - |  |  | 48 |  |  | -
Sub-total: | $ | 3,642 |  | $ | 23 |  | $ | 7,902 |  | $ | 22
Total Impaired Loans |  |  |  |  |  |  |  |  |  |  |
with no related allowance recorded: | $ | 17,839 |  | $ | 203 |  | $ | 32,010 |  | $ | 316
__________ (1)Includes business lines of credit. (2)Includes home equity lines of credit. (3)Does not include accretable yield on loans acquired with deteriorated 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 months ended March 31, 2020 and 2019. (In thousands):
|  | Three Months Ended March 31,
|  | 2020 |  |  | 2020 |  |  | 2019 |  |  | 2019
|  | Average |  |  | Interest |  |  | Average |  |  | Interest
|  | Recorded |  |  | Income |  |  | Recorded |  |  | Income
Originated loans |  | Investment |  |  | Recognized |  |  | Investment |  |  | Recognized
with an allowance recorded: |  |  |  |  |  |  |  |  |  |  |
Residential one-to-four family | $ | 945 |  | $ | 8 |  | $ | 2,941 |  | $ | 25
Commercial and Multi-family |  | - |  |  | - |  |  | 56 |  |  | -
Commercial business(1) |  | 1,245 |  |  | 3 |  |  | 865 |  |  | 27
Home equity(2) |  | 377 |  |  | 3 |  |  | 153 |  |  | 2
Sub-total: | $ | 2,567 |  | $ | 14 |  | $ | 4,015 |  | $ | 54
Acquired loans initially recorded at fair value |  |  |  |  |  |  |  |  |  |  |
with an allowance recorded: |  |  |  |  |  |  |  |  |  |  |
Residential one-to-four family | $ | 2,273 |  | $ | 26 |  | $ | 3,146 |  | $ | 24
Commercial and Multi-family |  | 1,241 |  |  | 20 |  |  | 912 |  |  | 4
Commercial business(1) |  | 445 |  |  | - |  |  | - |  |  | -
Home equity(2) |  | 83 |  |  | 1 |  |  | 84 |  |  | 2
Sub-total: | $ | 4,042 |  | $ | 47 |  | $ | 4,142 |  | $ | 30
Acquired loans with deteriorated credit |  |  |  |  |  |  |  |  |  |  |
with an allowance recorded: |  |  |  |  |  |  |  |  |  |  |
Residential one-to-four family(3) | $ | 523 |  | $ | 7 |  | $ | 366 |  | $ | 5
Sub-total: | $ | 523 |  | $ | 7 |  | $ | 366 |  | $ | 5
Total Impaired Loans |  |  |  |  |  |  |  |  |  |  |
with an allowance recorded: | $ | 7,132 |  | $ | 68 |  | $ | 8,523 |  | $ | 89
__________ (1) Includes business lines of credit. (2) Includes home equity lines of credit. (3) Does not include accretable yield on loans acquired with deteriorated 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 March 31, 2020 and December 31, 2019. (In thousands):
|  | As of March 31, 2020 |  |  | As of December 31, 2019
|  | 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 | $ | 1,980 |  | $ | 2,080 |  | $ | - |  | $ | 2,010 |  | $ | 2,098 |  | $ | -
Commercial and multi-family |  | 3,901 |  |  | 3,945 |  |  | - |  |  | 4,469 |  |  | 4,527 |  |  | -
Commercial business(1) |  | 1,001 |  |  | 3,101 |  |  | - |  |  | 1,108 |  |  | 4,069 |  |  | -
Home equity(2) |  | 632 |  |  | 644 |  |  | - |  |  | 584 |  |  | 593 |  |  | -
Sub-total: | $ | 7,514 |  | $ | 9,770 |  | $ | - |  | $ | 8,171 |  | $ | 11,287 |  | $ | -
Acquired loans initially recorded at fair |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
value with no related allowance |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
recorded: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Residential one-to-four family | $ | 1,832 |  | $ | 1,939 |  | $ | - |  | $ | 1,843 |  | $ | 1,950 |  | $ | -
Commercial and Multi-family |  | 4,039 |  |  | 4,043 |  |  | - |  |  | 4,401 |  |  | 4,402 |  |  | -
Commercial business(1) |  | - |  |  | - |  |  | - |  |  | 183 |  |  | 589 |  |  | -
Home equity(2) |  | 202 |  |  | 203 |  |  | - |  |  | 205 |  |  | 206 |  |  | -
Sub-total: | $ | 6,073 |  | $ | 6,185 |  | $ | - |  | $ | 6,632 |  | $ | 7,147 |  | $ | -
Acquired loans with deteriorated |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
credit with no related allowance |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
recorded: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Residential one-to-four family | $ | 819 |  | $ | 1,375 |  | $ | - |  | $ | 827 |  | $ | 1,383 |  | $ | -
Commercial and Multi-family |  | 721 |  |  | 1,776 |  |  | - |  |  | 3,113 |  |  | 4,166 |  |  | -
Commercial business(1) |  | 865 |  |  | 5,050 |  |  | - |  |  | 867 |  |  | 5,052 |  |  | -
Home equity(2) |  | 34 |  |  | 45 |  |  | - |  |  | 37 |  |  | 47 |  |  | -
Sub-total: | $ | 2,439 |  | $ | 8,246 |  | $ | - |  | $ | 4,844 |  | $ | 10,648 |  | $ | -
Total Impaired Loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
with no related allowance recorded: | $ | 16,026 |  | $ | 24,201 |  | $ | - |  | $ | 19,647 |  | $ | 29,082 |  | $ | -
__________ (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 March 31, 2020 and December 31, 2019. (In thousands):
|  | As of March 31, 2020 |  |  | As of December 31, 2019
|  | 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 | $ | 916 |  | $ | 917 |  | $ | 36 |  | $ | 973 |  | $ | 973 |  | $ | 48
Commercial business(1) |  | 1,088 |  |  | 2,539 |  |  | 974 |  |  | 1,403 |  |  | 3,037 |  |  | 1,029
Home equity(2) |  | 375 |  |  | 380 |  |  | 18 |  |  | 379 |  |  | 382 |  |  | 20
Sub-total: | $ | 2,379 |  | $ | 3,836 |  | $ | 1,028 |  | $ | 2,755 |  | $ | 4,392 |  | $ | 1,097
Acquired loans initially recorded at fair |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
value with an allowance |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
recorded: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Residential one-to-four family | $ | 2,267 |  | $ | 2,284 |  | $ | 313 |  | $ | 2,278 |  | $ | 2,293 |  | $ | 325
Commercial and Multi-family |  | 1,234 |  |  | 1,431 |  |  | 332 |  |  | 1,248 |  |  | 1,442 |  |  | 342
Commercial business(1) |  | 512 |  |  | 2,030 |  |  | 1,550 |  |  | 377 |  |  | 1,489 |  |  | 1,489
Home equity(2) |  | 83 |  |  | 83 |  |  | 4 |  |  | 83 |  |  | 83 |  |  | 4
Sub-total | $ | 4,096 |  | $ | 5,828 |  | $ | 2,199 |  | $ | 3,986 |  | $ | 5,307 |  | $ | 2,160
Acquired loans with deteriorated |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
credit with an allowance |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
recorded: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Residential one-to-four family | $ | 521 |  | $ | 569 |  | $ | 5 |  | $ | 524 |  | $ | 571 |  | $ | 7
Sub-total: | $ | 521 |  | $ | 569 |  | $ | 5 |  | $ | 524 |  | $ | 571 |  | $ | 7
Total Impaired Loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
with an allowance recorded: | $ | 6,996 |  | $ | 10,233 |  | $ | 3,232 |  | $ | 7,265 |  | $ | 10,270 |  | $ | 3,264
Total Impaired Loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
with no related allowance recorded: | $ | 16,026 |  | $ | 24,201 |  | $ | - |  | $ | 19,647 |  | $ | 29,082 |  | $ | -
Total Impaired Loans: | $ | 23,022 |  | $ | 34,434 |  | $ | 3,232 |  | $ | 26,912 |  | $ | 39,352 |  | $ | 3,264
__________ (1) Includes business lines of credit. (2) Includes home equity lines of credit.
Troubled Debt Restructurings |
|  | At March 31, 2020 |  |  | At December 31, 2019
|  | (In thousands)
Recorded investment in TDRs: |  |  |  |  |
Accrual status | $ | 16,346 |  | $ | 17,030
Non-accrual status |  | 1,103 |  |  | 702
Total recorded investment in TDRs | $ | 17,449 |  | $ | 17,732
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 | $ | 1,117 |  | $ | - |  | $ | - |  | $ | 1,117 |  | $ | 231,775 |  | $ | 232,892 |  | $ | -
Commercial and multi-family |  | 3,805 |  |  | - |  |  | 76 |  |  | 3,881 |  |  | 1,459,241 |  |  | 1,463,122 |  |  | -
Construction |  | - |  |  | - |  |  | - |  |  | - |  |  | 101,692 |  |  | 101,692 |  |  | -
Commercial business(1) |  | 3,086 |  |  | - |  |  | 1,051 |  |  | 4,137 |  |  | 153,214 |  |  | 157,351 |  |  | -
Home equity(2) |  | 611 |  |  | 400 |  |  | 27 |  |  | 1,038 |  |  | 50,355 |  |  | 51,393 |  |  | -
Consumer |  | - |  |  | - |  |  | - |  |  | - |  |  | 1,019 |  |  | 1,019 |  |  | -
Sub-total: | $ | 8,619 |  | $ | 400 |  | $ | 1,154 |  | $ | 10,173 |  | $ | 1,997,296 |  | $ | 2,007,469 |  | $ | -
Acquired loans initially recorded at fair value: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Residential one-to-four family | $ | 624 |  | $ | - |  | $ | 450 |  | $ | 1,074 |  | $ | 32,831 |  |  | 33,905 |  | $ | -
Commercial and multi-family |  | 1,000 |  |  | - |  |  | 631 |  |  | 1,631 |  |  | 112,342 |  |  | 113,973 |  |  | -
Commercial business(1) |  | 580 |  |  | 107 |  |  | 513 |  |  | 1,200 |  |  | 17,688 |  |  | 18,888 |  |  | -
Home equity(2) |  | 296 |  |  | - |  |  | - |  |  | 296 |  |  | 12,934 |  |  | 13,230 |  |  | -
Consumer |  | - |  |  | - |  |  | - |  |  | - |  |  | 10 |  |  | 10 |  |  | -
|  |  |  |  |  |  |  | - |  |  |  |  |  |  |  |  |  |  |  |
Sub-total: | $ | 2,500 |  | $ | 107 |  | $ | 1,594 |  | $ | 4,201 |  | $ | 175,805 |  | $ | 180,006 |  | $ | -
Acquired loans with deteriorated credit: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Residential one-to-four family | $ | 162 |  | $ | - |  | $ | - |  | $ | 162 |  | $ | 1,178 |  |  | 1,340 |  | $ | -
Commercial and multi-family |  | - |  |  | - |  |  | 122 |  |  | 122 |  |  | 599 |  |  | 721 |  |  | -
Commercial business(1) |  | - |  |  | - |  |  | 854 |  |  | 854 |  |  | 53 |  |  | 907 |  |  | -
Home equity(2) |  | - |  |  | - |  |  | - |  |  | - |  |  | 234 |  |  | 234 |  |  | -
|  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | - |  |  |
Sub-total: | $ | 162 |  | $ | - |  | $ | 976 |  | $ | 1,138 |  | $ | 2,064 |  | $ | 3,202 |  | $ | -
Total | $ | 11,281 |  | $ | 507 |  | $ | 3,724 |  | $ | 15,512 |  | $ | 2,175,165 |  | $ | 2,190,677 |  | $ | -
_________ (1) Includes business lines of credit. (2) Includes home equity lines of credit. Note 7 - Loans Receivable and Allowance for Loan Losses (Continued) The table below sets forth the amounts and types of non-accrual loans in the Bank’s loan portfolio at March 31, 2020 and December 31, 2019, respectively. Loans are placed on non-accrual status when they become more than 90 days delinquent, or when the collection of principal and/or interest become doubtful. As of March 31, 2020 and December 31, 2019, non-accrual loans differed from the amount of total loans past due greater than 90 days due to troubled debt restructuring of loans which are maintained on non-accrual status for a minimum of six months until the borrower has demonstrated its ability to satisfy the terms of the restructured loan. Loans subject to COVID-19-related modifications are not be reported as non-accrual, in accordance with regulatory guidance.
|  | As of March 31, 2020 |  |  | As of December 31, 2019
|  | (In Thousands) |  |  | (In Thousands)
Non-Accruing Loans: |  |  |  |  |
Originated loans: |  |  |  |  |
Residential one-to-four family | $ | 788 |  | $ | 590
Commercial and multi-family |  | 218 |  |  | 761
Commercial business(1) |  | 1,189 |  |  | 1,428
Home equity(2) |  | 294 |  |  | 347
Sub-total: |  | 2,489 |  |  | 3,126
Acquired loans initially recorded at fair value: |  |  |  |  |
Residential one-to-four family |  | 602 |  |  | 291
Commercial and multi-family |  | 758 |  |  | 217
Commercial business(1) |  | 513 |  |  | 513
Home equity(2) |  | - |  |  | 13
Sub-total: |  | 1,873 |  |  | 1,034
Total | $ | 4,362 |  | $ | 4,160
_________ (1) Includes business lines of credit. (2) Includes home equity lines of credit. Had non-accrual loans been performing in accordance with their original terms, the interest income recognized for the three months ended March 31, 2020 and December 31, 2019 would have been approximately $894,000 and $967,000, respectively. Interest income recognized on loans returned to accrual was approximately $459,000 and $1.1 million, respectively. The Bank has not committed to lend additional funds to the borrowers whose loans have been placed on a nonaccrual status. At March 31, 2020 and December 31, 2019, there were $0 and $795,000, respectively, of loans which were more than ninety days past due and still accruing interest. Nonaccrual loans in the preceding table do not include loans acquired with deteriorated credit quality which were recorded at their fair value at acquisition and totaled $1.1 million at March 31, 2020, and $3.5 million at December 31, 2019. ‎ 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, 2019:
|  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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 | $ | 1,087 |  | $ | 401 |  | $ | - |  | $ | 1,488 |  | $ | 210,532 |  | $ | 212,020 |  | $ | -
Commercial and multi-family |  | 1,290 |  |  | 940 |  |  | 616 |  |  | 2,846 |  |  | 1,482,440 |  |  | 1,485,286 |  |  | -
Construction |  | - |  |  | - |  |  | - |  |  | - |  |  | 104,996 |  |  | 104,996 |  |  | -
Commercial business(1) |  | 1,874 |  |  | 278 |  |  | 1,265 |  |  | 3,417 |  |  | 153,996 |  |  | 157,413 |  |  | 142
Home equity(2) |  | 161 |  |  | 63 |  |  | 116 |  |  | 340 |  |  | 49,760 |  |  | 50,100 |  |  | -
Consumer |  | - |  |  | - |  |  | - |  |  | - |  |  | 674 |  |  | 674 |  |  | -
Sub-total: | $ | 4,412 |  | $ | 1,682 |  | $ | 1,997 |  | $ | 8,091 |  | $ | 2,002,398 |  | $ | 2,010,489 |  | $ | 142
Acquired loans initially recorded at fair value: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Residential one-to-four family | $ | 265 |  | $ | 217 |  | $ | 330 |  | $ | 812 |  | $ | 34,198 |  |  | 35,010 |  | $ | 97
Commercial and multi-family |  | 318 |  |  | - |  |  | 631 |  |  | 949 |  |  | 117,628 |  |  | 118,577 |  |  | 556
Construction |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | -
Commercial business(1) |  | 300 |  |  | - |  |  | 513 |  |  | 813 |  |  | 18,506 |  |  | 19,319 |  |  | -
Home equity(2) |  | 190 |  |  | 75 |  |  | - |  |  | 265 |  |  | 14,037 |  |  | 14,302 |  |  | -
Consumer |  | - |  |  | - |  |  | - |  |  | - |  |  | 8 |  |  | 8 |  |  | -
Sub-total: | $ | 1,073 |  | $ | 292 |  | $ | 1,474 |  | $ | 2,839 |  | $ | 184,377 |  | $ | 187,216 |  | $ | 653
Acquired loans with deteriorated credit: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Residential one-to-four family | $ | - |  | $ | - |  | $ | - |  | $ | - |  | $ | 1,351 |  | $ | 1,351 |  | $ | -
Commercial and multi-family |  | - |  |  | - |  |  | 2,500 |  |  | 2,500 |  |  | 613 |  |  | 3,113 |  |  | -
Construction |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | -
Commercial business(1) |  | - |  |  | - |  |  | 856 |  |  | 856 |  |  | 54 |  |  | 910 |  |  | -
Home equity(2) |  | 37 |  |  | 199 |  |  | - |  |  | 236 |  |  | - |  |  | 236 |  |  | -
Consumer |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | -
Sub-total: | $ | 37 |  | $ | 199 |  | $ | 3,356 |  | $ | 3,592 |  | $ | 2,018 |  | $ | 5,610 |  | $ | -
Total | $ | 5,522 |  | $ | 2,173 |  | $ | 6,827 |  | $ | 14,522 |  | $ | 2,188,793 |  | $ | 2,203,315 |  | $ | 795
(1) Includes business lines of credit. (2) Includes home equity lines of credit. ‎
Loan Portfolio by Pass Rating |
| Pass |  | Special Mention |  | Substandard |  | Total
Originated loans: |  |  |  |  |  |  |  |  |  |  |
Residential one-to-four family | $ | 231,046 |  | $ | 1,058 |  | $ | 788 |  | $ | 232,892
Commercial and multi-family |  | 1,457,940 |  |  | 3,987 |  |  | 1,195 |  |  | 1,463,122
Construction |  | 101,692 |  |  | - |  |  | - |  |  | 101,692
Commercial business(1) |  | 153,134 |  |  | 2,481 |  |  | 1,736 |  |  | 157,351
Home equity(2) |  | 51,099 |  |  | - |  |  | 294 |  |  | 51,393
Consumer |  | 1,016 |  |  | 3 |  |  | - |  |  | 1,019
Sub-total: | $ | 1,995,927 |  | $ | 7,529 |  | $ | 4,013 |  | $ | 2,007,469
Acquired loans initially recorded at fair value: |  |  |  |  |  |  |  |  |  |  |
Residential one-to-four family | $ | 33,209 |  | $ | - |  | $ | 696 |  | $ | 33,905
Commercial and multi-family |  | 110,565 |  |  | 195 |  |  | 3,213 |  |  | 113,973
Commercial business(1) |  | 17,246 |  |  | 1,130 |  |  | 512 |  |  | 18,888
Home equity(2) |  | 13,213 |  |  | - |  |  | 17 |  |  | 13,230
Consumer |  | 10 |  |  | - |  |  | - |  |  | 10
Sub-total: | $ | 174,243 |  | $ | 1,325 |  | $ | 4,438 |  | $ | 180,006
Acquired loans with deteriorated credit: |  |  |  |  |  |  |  |  |  |  |
Residential one-to-four family | $ | 782 |  | $ | 245 |  | $ | 313 |  | $ | 1,340
Commercial and multi-family |  | 491 |  |  | - |  |  | 230 |  |  | 721
Commercial business(1) |  | 1 |  |  | 52 |  |  | 854 |  |  | 907
Home equity(2) |  | 200 |  |  | - |  |  | 34 |  |  | 234
Sub-total: | $ | 1,474 |  | $ | 297 |  | $ | 1,431 |  | $ | 3,202
Total Gross Loans | $ | 2,171,644 |  | $ | 9,151 |  | $ | 9,882 |  | $ | 2,190,677
_________ (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 and substandard within the Company’s internal risk rating system as of December 31, 2019. (In thousands). As of December 31, 2019, the Company had no loans with the classified rating of doubtful or loss.
| Pass |  | Special Mention |  | Substandard |  | Total
Originated loans: |  |  |  |  |  |  |  |  |  |  |
Residential one-to-four family | $ | 210,094 |  | $ | 1,336 |  | $ | 590 |  | $ | 212,020
Commercial and multi-family |  | 1,478,472 |  |  | 4,043 |  |  | 2,771 |  |  | 1,485,286
Construction |  | 104,996 |  |  | - |  |  | - |  |  | 104,996
Commercial business(1) |  | 153,464 |  |  | 1,796 |  |  | 2,153 |  |  | 157,413
Home equity(2) |  | 49,753 |  |  | - |  |  | 347 |  |  | 50,100
Consumer |  | 670 |  |  | 4 |  |  | - |  |  | 674
Sub-total: | $ | 1,997,449 |  | $ | 7,179 |  | $ | 5,861 |  | $ | 2,010,489
Acquired loans initially recorded at fair value: |  |  |  |  |  |  |  |  |  |  |
Residential one-to-four family | $ | 34,624 |  | $ | - |  | $ | 386 |  |  | 35,010
Commercial and multi-family |  | 115,130 |  |  | 583 |  |  | 2,864 |  |  | 118,577
Commercial business(1) |  | 17,648 |  |  | 1,159 |  |  | 512 |  |  | 19,319
Home equity(2) |  | 14,270 |  |  | - |  |  | 32 |  |  | 14,302
Consumer |  | 8 |  |  | - |  |  | - |  |  | 8
Sub-total: | $ | 181,680 |  | $ | 1,742 |  | $ | 3,794 |  | $ | 187,216
Acquired loans with deteriorated credit: |  |  |  |  |  |  |  |  |  |  |
Residential one-to-four family | $ | 788 |  | $ | 248 |  | $ | 315 |  |  | 1,351
Commercial and multi-family |  | - |  |  | 493 |  |  | 2,620 |  |  | 3,113
Commercial business(1) |  | - |  |  | 54 |  |  | 856 |  |  | 910
Home equity(2) |  | 199 |  |  | - |  |  | 37 |  |  | 236
Sub-total: | $ | 987 |  | $ | 795 |  | $ | 3,828 |  | $ | 5,610
Total Gross Loans | $ | 2,180,116 |  | $ | 9,716 |  | $ | 13,483 |  | $ | 2,203,315
________ (1) Includes business lines of credit. (2) Includes home equity lines of credit.

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