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Loans Receivable and Allowance for Credit Losses (Tables) | 6 Months Ended
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Jun. 30, 2023
Loans Receivable and Allowance for Credit Losses [Abstract] |
Recorded Investment in Loans Receivable |
| June 30, 2023 |  | December 31, 2022
|  | (In Thousands)
Residential one-to-four family | $ | 250,345 |  | $ | 250,123
Commercial and multi-family |  | 2,490,883 |  |  | 2,345,229
Construction |  | 179,156 |  |  | 144,931
Commercial business(1) |  | 368,948 |  |  | 282,007
Home equity(2) |  | 61,595 |  |  | 56,888
Consumer |  | 3,994 |  |  | 3,240
|  | 3,354,921 |  |  | 3,082,418
Less: |  |  |  |  |
Deferred loan fees, net |  | (4,995) |  |  | (4,714)
Allowance for credit losses(3) |  | (30,205) |  |  | (32,373)
Total Loans, net | $ | 3,319,721 |  | $ | 3,045,331
(1) Includes business lines of credit. (2) Includes home equity lines of credit. (3) The Company adopted ASU 2016-13 on January 1, 2023 with a modified retrospective approach. Accordingly, at June 30, 2023, the allowance for credit losses was determined in accordance with ASC 326, “Financial Instruments-Credit Losses”.
Allowance for Credit Losses | The following table sets forth the activity in the Company’s allowance for credit losses for the three and six months ended June 30, 2023, and the related portion of the allowances for credit losses that is allocated to each loan class, as of June 30, 2023 (in thousands):
| Residential |  |  | Commercial & Multi-family |  | Construction |  | Commercial Business (1) |  | Home Equity (2) |  | Consumer |  | Unallocated |  | Total
Allowance for credit losses: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Beginning Balance, April 1, 2023 | $ | 2,361 |  | $ | 14,966 |  | $ | 3,850 |  | $ | 6,991 |  | $ | 680 |  | $ | 34 |  |  | - |  | $ | 28,882
Charge-offs: |  | - |  |  | - |  |  | - |  |  | (39) |  |  | - |  |  | - |  |  | - |  |  | (39)
Recoveries: |  | 12 |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | 12
Provision (benefit): |  | 80 |  |  | 79 |  |  | 240 |  |  | 912 |  |  | 42 |  |  | (3) |  |  | - |  |  | 1,350
Ending Balance, June 30, 2023 |  | 2,453 |  |  | 15,045 |  |  | 4,090 |  |  | 7,864 |  |  | 722 |  |  | 31 |  |  | - |  |  | 30,205
Ending Balance attributable to loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Individually evaluated |  | - |  |  | - |  |  | 608 |  |  | 2,164 |  |  | - |  |  | - |  |  | - |  |  | 2,772
Collectively evaluated |  | 2,453 |  |  | 15,045 |  |  | 3,482 |  |  | 5,700 |  |  | 722 |  |  | 31 |  |  | - |  |  | 27,433
Ending Balance, June 30, 2023 |  | 2,453 |  |  | 15,045 |  |  | 4,090 |  |  | 7,864 |  |  | 722 |  |  | 31 |  |  | - |  |  | 30,205
Loans Receivables: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Individually evaluated |  | 356 |  |  | 17,108 |  |  | 5,604 |  |  | 4,969 |  |  | 212 |  |  | - |  |  | - |  |  | 28,249
Collectively evaluated |  | 249,989 |  |  | 2,473,775 |  |  | 173,552 |  |  | 363,979 |  |  | 61,383 |  |  | 3,994 |  |  | - |  |  | 3,326,672
Total Gross Loans: | $ | 250,345 |  | $ | 2,490,883 |  | $ | 179,156 |  | $ | 368,948 |  | $ | 61,595 |  | $ | 3,994 |  | $ | - |  | $ | 3,354,921
(1) Includes business lines of credit. |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
(2) Includes home equity lines of credit. |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
|  | Residential |  |  | Commercial & Multi-family |  | Construction |  | Commercial Business (1) |  |  | Home Equity (2) |  | Consumer |  | Unallocated |  | Total
Allowance for credit losses: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Ending Balance December 31, 2022 |  |  | 2,474 |  |  | 21,749 |  |  | 2,094 |  |  | 5,367 |  |  | 485 |  |  | 24 |  |  | 180 |  |  | 32,373
Effect of adopting ASU No. 2016-13 ("CECL") |  |  | 144 |  |  | (7,123) |  |  | 1,387 |  |  | 1,418 |  |  | 182 |  |  | 7 |  |  | (180) |  |  | (4,165)
Beginning Balance, January 1, 2023 |  | $ | 2,618 |  | $ | 14,626 |  | $ | 3,481 |  | $ | 6,785 |  | $ | 667 |  | $ | 31 |  | $ | - |  | $ | 28,208
Charge-offs: |  |  | - |  |  | - |  |  | - |  |  | (40) |  |  | - |  |  | - |  |  | - |  |  | (40)
Recoveries: |  |  | 24 |  |  | - |  |  | - |  |  | 25 |  |  | 16 |  |  | - |  |  | - |  |  | 65
Provision (benefit): |  |  | (189) |  |  | 419 |  |  | 609 |  |  | 1,094 |  |  | 39 |  |  | - |  |  | - |  |  | 1,972
Ending Balance, June 30, 2023 |  | $ | 2,453 |  | $ | 15,045 |  | $ | 4,090 |  | $ | 7,864 |  | $ | 722 |  | $ | 31 |  | $ | - |  | $ | 30,205
(1) Includes business lines of credit. (2) Includes home equity lines of credit. ‎ Note 7 - Loans Receivable and Allowance for Credit Losses (Continued) The following table sets forth the activity in the Company’s allowance for loan losses for the three and six months ended June 30, 2022, and the related portion of the allowances for loan losses that is allocated to each loan class, as of June 30, 2022 (in thousands):
|  | Residential |  |  | Commercial & Multi-family |  | Construction |  | Commercial Business (1) |  | Home Equity (2) |  | Consumer |  | Unallocated |  | Total
Allowance for loan losses: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Beginning Balance, April 1, 2022 |  | $ | 2,501 |  | $ | 20,820 |  | $ | 1,965 |  | $ | 8,136 |  | $ | 334 |  | $ | 15 |  | $ | 209 |  | $ | 33,980
Charge-offs: |  |  | - |  |  | - |  |  | - |  |  | (6) |  |  | - |  |  | - |  |  | - |  |  | (6)
Recovery: |  |  | 2 |  |  | - |  |  | - |  |  | 135 |  |  | 2 |  |  | - |  |  | - |  |  | 139
Provision (benefit): |  |  | 62 |  |  | 337 |  |  | 383 |  |  | (626) |  |  | 51 |  |  | 2 |  |  | (209) |  |  | -
Ending Balance June 30, 2022 |  | $ | 2,565 |  | $ | 21,157 |  | $ | 2,348 |  | $ | 7,639 |  | $ | 387 |  | $ | 17 |  | $ | - |  | $ | 34,113
Ending Balance attributable to loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Individually evaluated |  | $ | 211 |  | $ | - |  | $ | 382 |  | $ | 5,732 |  | $ | 8 |  | $ | - |  | $ | - |  | $ | 6,333
Collectively evaluated |  |  | 2,354 |  |  | 21,157 |  |  | 1,966 |  |  | 1,907 |  |  | 379 |  |  | 17 |  |  | - |  |  | 27,780
Ending Balance June 30, 2022 |  | $ | 2,565 |  | $ | 21,157 |  | $ | 2,348 |  | $ | 7,639 |  | $ | 387 |  | $ | 17 |  | $ | - |  | $ | 34,113
Loans Receivables: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Individually evaluated |  | $ | 4,786 |  | $ | 27,629 |  | $ | 3,043 |  | $ | 6,182 |  | $ | 771 |  | $ | - |  | $ | - |  | $ | 42,411
Collectively evaluated |  |  | 231,097 |  |  | 2,002,968 |  |  | 152,027 |  |  | 175,686 |  |  | 51,037 |  |  | 2,656 |  |  | - |  |  | 2,615,471
Total Gross Loans: |  | $ | 235,883 |  | $ | 2,030,597 |  | $ | 155,070 |  | $ | 181,868 |  | $ | 51,808 |  | $ | 2,656 |  | $ | - |  | $ | 2,657,882
(1) Includes business lines of credit. (2) Includes home equity lines of credit.
|  | Residential |  |  | Commercial & Multi-family |  | Construction |  | Commercial Business (1) |  |  | Home Equity (2) |  | Consumer |  | Unallocated |  | Total
Allowance for loan losses: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Beginning Balance, January 1, 2022 |  | $ | 4,094 |  | $ | 22,065 |  | $ | 2,231 |  | $ | 8,000 |  | $ | 533 |  | $ | 14 |  | $ | 182 |  | $ | 37,119
Charge-offs: |  |  | - |  |  | - |  |  | - |  |  | (772) |  |  | - |  |  | - |  |  | - |  |  | (772)
Recovery: |  |  | 2 |  |  | - |  |  | - |  |  | 136 |  |  | 5 |  |  | 198 |  |  | - |  |  | 341
Provision (benefit): |  |  | (1,531) |  |  | (908) |  |  | 117 |  |  | 275 |  |  | (151) |  |  | (195) |  |  | (182) |  |  | (2,575)
Ending Balance, June 30, 2022 |  | $ | 2,565 |  | $ | 21,157 |  | $ | 2,348 |  | $ | 7,639 |  | $ | 387 |  | $ | 17 |  | $ | - |  | $ | 34,113
(1) Includes business lines of credit. (2) Includes home equity lines of credit. The following table sets forth the amount recorded in loans receivable at December 31, 2022. 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 credit 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: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Ending Balance attributable to loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Individually evaluated | $ | 196 |  | $ | - |  | $ | 518 |  | $ | 2,066 |  | $ | 4 |  | $ | - |  | $ | - |  | $ | 2,784
Collectively evaluated |  | 2,278 |  |  | 21,749 |  |  | 1,576 |  |  | 3,301 |  |  | 481 |  |  | 24 |  |  | 180 |  |  | 29,589
Ending Balance, December 31, 2022 | $ | 2,474 |  | $ | 21,749 |  | $ | 2,094 |  | $ | 5,367 |  | $ | 485 |  | $ | 24 |  | $ | 180 |  | $ | 32,373
Loans Receivables: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Individually evaluated | $ | 5,147 |  | $ | 15,397 |  | $ | 3,180 |  | $ | 3,821 |  | $ | 727 |  | $ | - |  | $ | - |  | $ | 28,272
Collectively evaluated |  | 244,976 |  |  | 2,329,832 |  |  | 141,751 |  |  | 278,186 |  |  | 56,161 |  |  | 3,240 |  |  | - |  |  | 3,054,146
Total Gross Loans: | $ | 250,123 |  | $ | 2,345,229 |  | $ | 144,931 |  | $ | 282,007 |  | $ | 56,888 |  | $ | 3,240 |  | $ | - |  | $ | 3,082,418
(1) Includes business lines of credit. (2) Includes home equity lines of credit.
Allowance For Credit Losses On Off Balance Sheet Exposures |
|  | Three Months Ended June 30, 2023 |  |  | Six Months Ended June 30, 2023
|  | (In thousands) |  |  | (In thousands)
Allowance for Credit Losses: |  |  |  |  |
Beginning Balance | $ | 689 |  | $ | -
Impact of adopting ASU No. 2016-13 ("CECL") effective January 1, 2022 |  | - |  |  | 1,266
(Benefit) provision for credit losses |  | (435) |  |  | (1,012)
Balance at June 30, 2023 | $ | 254 |  | $ | 254
Delinquency Status of Total Loans | The following table sets forth the delinquency status of total loans receivable as of June 30, 2023:
|  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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)
Residential one-to-four family | $ | 231 |  | $ | 305 |  | $ | 178 |  | $ | 714 |  | $ | 249,631 |  | $ | 250,345 |  | $ | -
Commercial and multi-family |  | 15,024 |  |  | 1,086 |  |  | - |  |  | 16,110 |  |  | 2,474,773 |  |  | 2,490,883 |  |  | -
Construction |  | 222 |  |  | - |  |  | 4,145 |  |  | 4,367 |  |  | 174,789 |  |  | 179,156 |  |  | -
Commercial business(1) |  | 1,496 |  |  | 191 |  |  | 873 |  |  | 2,560 |  |  | 366,388 |  |  | 368,948 |  |  | -
Home equity(2) |  | 199 |  |  | - |  |  | - |  |  | 199 |  |  | 61,396 |  |  | 61,595 |  |  | -
Consumer |  | - |  |  | - |  |  | - |  |  | - |  |  | 3,994 |  |  | 3,994 |  |  | -
Total | $ | 17,172 |  | $ | 1,582 |  | $ | 5,196 |  | $ | 23,950 |  | $ | 3,330,971 |  | $ | 3,354,921 |  | $ | -
(1) Includes business lines of credit. (2) Includes home equity lines of credit. The following table sets forth the delinquency status of total loans receivable at December 31, 2022:
|  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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)
Residential one-to-four family | $ | 253 |  | $ | 314 |  | $ | - |  | $ | 567 |  | $ | 249,556 |  | $ | 250,123 |  | $ | -
Commercial and multi-family |  | 2,163 |  |  | 428 |  |  | - |  |  | 2,591 |  |  | 2,342,638 |  |  | 2,345,229 |  |  | -
Construction |  | - |  |  | - |  |  | 3,180 |  |  | 3,180 |  |  | 141,751 |  |  | 144,931 |  |  | -
Commercial business(1) |  | 190 |  |  | 1,115 |  |  | 1,086 |  |  | 2,391 |  |  | 279,616 |  |  | 282,007 |  |  | -
Home equity(2) |  | 699 |  |  | - |  |  | - |  |  | 699 |  |  | 56,189 |  |  | 56,888 |  |  | -
Consumer |  | - |  |  | - |  |  | - |  |  | - |  |  | 3,240 |  |  | 3,240 |  |  | -
Total | $ | 3,305 |  | $ | 1,857 |  | $ | 4,266 |  | $ | 9,428 |  | $ | 3,072,990 |  | $ | 3,082,418 |  | $ | -
(1) Includes business lines of credit. (2) Includes home equity lines of credit.
Non-Accruing Loans |
|  | As of June 30, 2023 |  |  | As of December 31, 2022
|  | (In Thousands) |  |  | (In Thousands)
Non-Accruing Loans: |  |  |  |  |
Residential one-to-four family | $ | 178 |  | $ | 243
Commercial and multi-family |  | - |  |  | 346
Construction |  | 4,145 |  |  | 3,180
Commercial business(1) |  | 1,373 |  |  | 1,340
Home equity(2) |  | - |  |  | -
Total | $ | 5,696 |  | $ | 5,109
_________ (1) Includes business lines of credit. (2) Includes home equity lines of credit.
Loan Portfolio by Pass Rating | The following table summarizes the Company's loans by year of origination and internally assigned credit risk rating at June 30, 2023 and gross charge-offs for the six months ended June 30, 2023.
Loans by Year of Origination at June 30, 2023
|  | 2023 |  |  | 2022 |  |  | 2021 |  |  | 2020 |  |  | 2019 |  |  | Prior |  |  | Revolving Loans |  |  | Revolving Loans to Term Loans |  |  | Total
Residential one-to-four family |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | $ | 10,821 |  | $ | 55,569 |  | $ | 39,875 |  | $ | 32,110 |  | $ | 12,313 |  | $ | 99,301 |  | $ | - |  | $ | - |  | $ | 249,989
Special Mention |  | - |  |  |  |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | -
Substandard |  | - |  |  | - |  |  | 178 |  |  | - |  |  | - |  |  | 178 |  |  | - |  |  | - |  |  | 356
Total one-to-four family | $ | 10,821 |  | $ | 55,569 |  | $ | 40,053 |  | $ | 32,110 |  | $ | 12,313 |  | $ | 99,479 |  | $ | - |  | $ | - |  | $ | 250,345
Commercial and multi-family |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | $ | 212,555 |  | $ | 843,724 |  | $ | 231,418 |  | $ | 222,710 |  | $ | 53,280 |  | $ | 891,663 |  | $ | 1,922 |  | $ | - |  | $ | 2,457,272
Special Mention |  | - |  |  | - |  |  | - |  |  | 3,575 |  |  | - |  |  | 12,928 |  |  | - |  |  | - |  |  | 16,503
Substandard |  | - |  |  | 3,084 |  |  | - |  |  | - |  |  | - |  |  | 14,024 |  |  | - |  |  | - |  |  | 17,108
Total Commercial and multi-family | $ | 212,555 |  | $ | 846,808 |  | $ | 231,418 |  | $ | 226,285 |  | $ | 53,280 |  | $ | 918,615 |  | $ | 1,922 |  | $ | - |  | $ | 2,490,883
Construction |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | $ | 10,701 |  | $ | 72,701 |  | $ | 57,747 |  | $ | 19,663 |  | $ | - |  | $ | 5,878 |  | $ | 6,277 |  | $ | - |  | $ | 172,967
Special Mention |  | - |  |  | - |  |  | - |  |  | 586 |  |  | - |  |  | - |  |  | - |  |  | - |  |  | 586
Substandard |  | - |  |  | 1,458 |  |  | - |  |  | 928 |  |  | - |  |  | 3,217 |  |  | - |  |  | - |  |  | 5,603
Total Construction | $ | 10,701 |  | $ | 74,159 |  | $ | 57,747 |  | $ | 21,177 |  | $ | - |  | $ | 9,095 |  | $ | 6,277 |  | $ | - |  | $ | 179,156
Commercial business |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | $ | 1,374 |  | $ | 313 |  |  | 3,354 |  |  | 5,296 |  | $ | 7,230 |  | $ | 40,244 |  | $ | 300,650 |  | $ | - |  | $ | 358,461
Special Mention |  | - |  |  | - |  |  | - |  |  | - |  |  | 394 |  |  | 1,674 |  |  | 3,450 |  |  | - |  |  | 5,518
Substandard |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | 3,169 |  |  | 1,800 |  |  | - |  |  | 4,969
Total Commercial business | $ | 1,374 |  | $ | 313 |  | $ | 3,354 |  | $ | 5,296 |  | $ | 7,624 |  | $ | 45,087 |  | $ | 305,900 |  | $ | - |  | $ | 368,948
Home equity |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | $ | 1,987 |  | $ | 1,730 |  | $ | 576 |  | $ | 801 |  | $ | 1,332 |  | $ | 7,141 |  | $ | 47,315 |  | $ | 501 |  | $ | 61,383
Special Mention |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | -
Substandard |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | 212 |  |  | 212
Total Home equity | $ | 1,987 |  | $ | 1,730 |  | $ | 576 |  | $ | 801 |  | $ | 1,332 |  | $ | 7,141 |  | $ | 47,315 |  | $ | 713 |  | $ | 61,595
Consumer |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | $ | 1,258 |  | $ | 514 |  | $ | 2,027 |  | $ | 116 |  | $ | 52 |  | $ | - |  | $ | 27 |  | $ | - |  | $ | 3,994
Special Mention |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | -
Substandard |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | -
Total Consumer | $ | 1,258 |  | $ | 514 |  | $ | 2,027 |  | $ | 116 |  | $ | 52 |  | $ | - |  | $ | 27 |  | $ | - |  | $ | 3,994
Total Loans | $ | 238,696 |  | $ | 979,093 |  | $ | 335,175 |  | $ | 285,785 |  | $ | 74,601 |  | $ | 1,079,417 |  | $ | 361,441 |  | $ | 713 |  | $ | 3,354,921
Gross charge-offs | $ | - |  | $ | - |  | $ | - |  | $ | - |  | $ | - |  | $ | 40 |  | $ | - |  | $ | - |  | $ | 40
‎ Note 7 - Loans Receivable and Allowance for Credit Losses (Continued) The following table summarizes the Company's loans by year of origination and internally assigned credit risk rating at December 31, 2022.
Loans by Year of Origination at December 31, 2022
|  | 2022 |  |  | 2021 |  |  | 2020 |  |  | 2019 |  |  | 2018 |  |  | Prior |  |  | Revolving Loans |  |  | Revolving Loans to Term Loans |  |  | Total
Residential one-to-four family |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | $ | 56,893 |  | $ | 40,465 |  | $ | 33,019 |  | $ | 12,959 |  | $ | 23,918 |  | $ | 82,144 |  | $ | - |  | $ | - |  | $ | 249,398
Special Mention |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | 303 |  |  | - |  |  | - |  |  | 303
Substandard |  | - |  |  | 179 |  |  | - |  |  | - |  |  | - |  |  | 243 |  |  | - |  |  | - |  |  | 422
Total one-to-four family | $ | 56,893 |  | $ | 40,644 |  | $ | 33,019 |  | $ | 12,959 |  | $ | 23,918 |  | $ | 82,690 |  | $ | - |  | $ | - |  | $ | 250,123
Commercial and multi-family |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | $ | 854,299 |  | $ | 234,441 |  | $ | 235,830 |  | $ | 55,752 |  | $ | 312,353 |  | $ | 628,191 |  | $ | - |  | $ | - |  | $ | 2,320,866
Special Mention |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | 14,183 |  |  | - |  |  | - |  |  | 14,183
Substandard |  | 599 |  |  | - |  |  | - |  |  | - |  |  | 8,000 |  |  | 1,581 |  |  | - |  |  | - |  |  | 10,180
Total Commercial and multi-family | $ | 854,898 |  | $ | 234,441 |  | $ | 235,830 |  | $ | 55,752 |  | $ | 320,353 |  | $ | 643,955 |  | $ | - |  | $ | - |  | $ | 2,345,229
Construction |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | $ | 51,783 |  | $ | 58,827 |  | $ | 17,518 |  | $ | - |  | $ | 1,794 |  | $ | 4,031 |  | $ | 7,798 |  | $ | - |  | $ | 141,751
Special Mention |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | -
Substandard |  | - |  |  | - |  |  | - |  |  | - |  |  | 3,180 |  |  | - |  |  | - |  |  | - |  |  | 3,180
Total Construction | $ | 51,783 |  | $ | 58,827 |  | $ | 17,518 |  | $ | - |  | $ | 4,974 |  | $ | 4,031 |  | $ | 7,798 |  | $ | - |  | $ | 144,931
Commercial business |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | $ | 70 |  | $ | 5,331 |  | $ | 5,470 |  | $ | 8,070 |  | $ | 22,940 |  | $ | 19,487 |  | $ | 212,402 |  | $ | - |  | $ | 273,770
Special Mention |  | - |  |  | - |  |  | - |  |  | 431 |  |  | - |  |  | 1,600 |  |  | 2,385 |  |  | - |  |  | 4,416
Substandard |  | - |  |  | - |  |  | - |  |  | - |  |  | 2,686 |  |  | 758 |  |  | 377 |  |  | - |  |  | 3,821
Total Commercial business | $ | 70 |  | $ | 5,331 |  | $ | 5,470 |  | $ | 8,501 |  | $ | 25,626 |  | $ | 21,845 |  | $ | 215,164 |  | $ | - |  | $ | 282,007
Home equity |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | $ | 1,541 |  | $ | 643 |  | $ | 830 |  | $ | 1,390 |  | $ | 1,465 |  | $ | 6,437 |  | $ | 43,857 |  | $ | 513 |  | $ | 56,676
Special Mention |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | -
Substandard |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | 212 |  |  | 212
Total Home equity | $ | 1,541 |  | $ | 643 |  | $ | 830 |  | $ | 1,390 |  | $ | 1,465 |  | $ | 6,437 |  | $ | 43,857 |  | $ | 725 |  | $ | 56,888
Consumer |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | $ | 994 |  | $ | 2,034 |  | $ | 139 |  | $ | 67 |  | $ | - |  | $ | - |  | $ | 6 |  | $ | - |  | $ | 3,240
Special Mention |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | -
Substandard |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | -
Total Consumer | $ | 994 |  | $ | 2,034 |  | $ | 139 |  | $ | 67 |  | $ | - |  | $ | - |  | $ | 6 |  | $ | - |  | $ | 3,240
Total Loans | $ | 966,179 |  | $ | 341,920 |  | $ | 292,806 |  | $ | 78,669 |  | $ | 376,336 |  | $ | 758,958 |  | $ | 266,825 |  | $ | 725 |  | $ | 3,082,418

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