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Loans Receivable and Allowance for Credit Losses (Tables) | 9 Months Ended
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Sep. 30, 2023
Loans Receivable and Allowance for Credit Losses [Abstract] |
Recorded Investment in Loans Receivable |
| September 30, 2023 |  | December 31, 2022
|  | (In Thousands)
Residential one-to-four family | $ | 251,845 |  | $ | 250,123
Commercial and multi-family |  | 2,444,887 |  |  | 2,345,229
Construction |  | 185,202 |  |  | 144,931
Commercial business(1) |  | 370,512 |  |  | 282,007
Home equity(2) |  | 66,046 |  |  | 56,888
Consumer |  | 3,647 |  |  | 3,240
|  | 3,322,139 |  |  | 3,082,418
Less: |  |  |  |  |
Deferred loan fees, net |  | (4,498) |  |  | (4,714)
Allowance for credit losses(3) |  | (31,914) |  |  | (32,373)
Total Loans, net | $ | 3,285,727 |  | $ | 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 September 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 nine months ended September 30, 2023, and the related portion of the allowances for credit losses that is allocated to each loan class, as of September 30, 2023 (in thousands):
| Residential |  |  | Commercial & Multi-family |  | Construction |  | Commercial Business (1) |  | Home Equity (2) |  | Consumer |  | Unallocated |  | Total
Allowance for credit losses: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Beginning Balance, July 1, 2023 | $ | 2,453 |  | $ | 15,045 |  | $ | 4,090 |  | $ | 7,864 |  | $ | 722 |  | $ | 31 |  |  | - |  | $ | 30,205
Charge-offs: |  | - |  |  | - |  |  | - |  |  | (515) |  |  |  |  |  | - |  |  | - |  |  | (515)
Recoveries: |  | 14 |  |  | - |  |  | - |  |  | 5 |  |  | - |  |  | - |  |  | - |  |  | 19
Provision (benefit): |  | (23) |  |  | (595) |  |  | 573 |  |  | 2,297 |  |  | (54) |  |  | 7 |  |  | - |  |  | 2,205
Ending Balance, September 30, 2023 |  | 2,444 |  |  | 14,450 |  |  | 4,663 |  |  | 9,651 |  |  | 668 |  |  | 38 |  |  | - |  |  | 31,914
Ending Balance attributable to loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Individually evaluated |  | - |  |  | - |  |  | 608 |  |  | 2,164 |  |  | - |  |  | - |  |  | - |  |  | 2,772
Collectively evaluated |  | 2,444 |  |  | 14,450 |  |  | 4,055 |  |  | 7,487 |  |  | 668 |  |  | 38 |  |  | - |  |  | 29,142
Ending Balance, September 30, 2023 |  | 2,444 |  |  | 14,450 |  |  | 4,663 |  |  | 9,651 |  |  | 668 |  |  | 38 |  |  | - |  |  | 31,914
Loans Receivables: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Individually evaluated |  | 355 |  |  | 23,843 |  |  | 4,931 |  |  | 6,527 |  |  | 212 |  |  | - |  |  | - |  |  | 35,868
Collectively evaluated |  | 251,490 |  |  | 2,421,044 |  |  | 180,271 |  |  | 363,985 |  |  | 65,834 |  |  | 3,647 |  |  | - |  |  | 3,286,271
Total Gross Loans: | $ | 251,845 |  | $ | 2,444,887 |  | $ | 185,202 |  | $ | 370,512 |  | $ | 66,046 |  | $ | 3,647 |  | $ | - |  | $ | 3,322,139
(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: |  |  | - |  |  | - |  |  | - |  |  | (555) |  |  | - |  |  | - |  |  | - |  |  | (555)
Recoveries: |  |  | 38 |  |  | - |  |  | - |  |  | 30 |  |  | 16 |  |  | - |  |  | - |  |  | 84
Provision (benefit): |  |  | (212) |  |  | (176) |  |  | 1,182 |  |  | 3,391 |  |  | (15) |  |  | 7 |  |  | - |  |  | 4,177
Ending Balance, September 30, 2023 |  | $ | 2,444 |  | $ | 14,450 |  | $ | 4,663 |  | $ | 9,651 |  | $ | 668 |  | $ | 38 |  | $ | - |  | $ | 31,914
(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 credit losses for the three and nine months ended September 30, 2022, and the related portion of the allowances for credit losses that is allocated to each loan class, as of September 30, 2022 (in thousands):
|  | Residential |  |  | Commercial & Multi-family |  | Construction |  | Commercial Business (1) |  | Home Equity (2) |  | Consumer |  | Unallocated |  | Total
Allowance for credit losses: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Beginning Balance, July 1, 2022 |  | $ | 2,565 |  | $ | 21,157 |  | $ | 2,348 |  | $ | 7,639 |  | $ | 387 |  | $ | 17 |  | $ | - |  | $ | 34,113
Charge-offs: |  |  | - |  |  | - |  |  | - |  |  | (931) |  |  | - |  |  | - |  |  | - |  |  | (931)
Recovery: |  |  | 7 |  |  | - |  |  | - |  |  | 2 |  |  | 4 |  |  | - |  |  | - |  |  | 13
Provision (benefit): |  |  | (374) |  |  | 390 |  |  | 96 |  |  | (993) |  |  | 75 |  |  | 3 |  |  | 803 |  |  | -
Ending Balance September 30, 2022 |  | $ | 2,198 |  | $ | 21,547 |  | $ | 2,444 |  | $ | 5,717 |  | $ | 466 |  | $ | 20 |  | $ | 803 |  | $ | 33,195
Ending Balance attributable to loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Individually evaluated |  | $ | 204 |  | $ | - |  | $ | 519 |  | $ | 3,509 |  | $ | 6 |  | $ | - |  | $ | - |  | $ | 4,238
Collectively evaluated |  |  | 1,994 |  |  | 21,547 |  |  | 1,925 |  |  | 2,208 |  |  | 460 |  |  | 20 |  |  | 803 |  |  | 28,957
Ending Balance September 30, 2022 |  | $ | 2,198 |  | $ | 21,547 |  | $ | 2,444 |  | $ | 5,717 |  | $ | 466 |  | $ | 20 |  | $ | 803 |  | $ | 33,195
Loans Receivables: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Individually evaluated |  | $ | 4,914 |  | $ | 27,090 |  | $ | 3,180 |  | $ | 4,607 |  | $ | 733 |  | $ | - |  | $ | - |  | $ | 40,524
Collectively evaluated |  |  | 237,324 |  |  | 2,137,230 |  |  | 149,923 |  |  | 201,054 |  |  | 55,331 |  |  | 2,545 |  |  | - |  |  | 2,783,407
Total Gross Loans: |  | $ | 242,238 |  | $ | 2,164,320 |  | $ | 153,103 |  | $ | 205,661 |  | $ | 56,064 |  | $ | 2,545 |  | $ | - |  | $ | 2,823,931
(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: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Beginning Balance, January 1, 2022 |  | $ | 4,094 |  | $ | 22,065 |  | $ | 2,231 |  | $ | 8,000 |  | $ | 533 |  | $ | 14 |  | $ | 182 |  | $ | 37,119
Charge-offs: |  |  | - |  |  | - |  |  | - |  |  | (1,703) |  |  | - |  |  | - |  |  | - |  |  | (1,703)
Recovery: |  |  | 9 |  |  | - |  |  | - |  |  | 138 |  |  | 9 |  |  | 198 |  |  | - |  |  | 354
Provision (benefit): |  |  | (1,905) |  |  | (518) |  |  | 213 |  |  | (718) |  |  | (76) |  |  | (192) |  |  | 621 |  |  | (2,575)
Ending Balance, September 30, 2022 |  | $ | 2,198 |  | $ | 21,547 |  | $ | 2,444 |  | $ | 5,717 |  | $ | 466 |  | $ | 20 |  | $ | 803 |  | $ | 33,195
(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 September 30, 2023 |  |  | Nine Months Ended September 30, 2023
|  | (In thousands) |  |  | (In thousands)
Allowance for Credit Losses: |  |  |  |  |
Beginning Balance | $ | 254 |  | $ | -
Impact of adopting ASU No. 2016-13 ("CECL") effective January 1, 2022 |  | - |  |  | 1,266
Provision (benefit) |  | 148 |  |  | (864)
Balance at September 30, 2023 | $ | 402 |  | $ | 402
Delinquency Status of Total Loans | The following table sets forth the delinquency status of total loans receivable as of September 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 | $ | 50 |  | $ | 856 |  | $ | 178 |  | $ | 1,084 |  | $ | 250,761 |  | $ | 251,845 |  | $ | -
Commercial and multi-family |  | 12,195 |  |  | 6,378 |  |  | 3,267 |  |  | 21,840 |  |  | 2,423,047 |  |  | 2,444,887 |  |  | -
Construction |  | - |  |  | 2,045 |  |  | 2,886 |  |  | 4,931 |  |  | 180,271 |  |  | 185,202 |  |  | -
Commercial business(1) |  | 2,056 |  |  | 3,095 |  |  | 798 |  |  | 5,949 |  |  | 364,563 |  |  | 370,512 |  |  | -
Home equity(2) |  | 472 |  |  | 164 |  |  | - |  |  | 636 |  |  | 65,410 |  |  | 66,046 |  |  | -
Consumer |  | - |  |  | 1 |  |  | - |  |  | 1 |  |  | 3,646 |  |  | 3,647 |  |  | -
Total | $ | 14,773 |  | $ | 12,539 |  | $ | 7,129 |  | $ | 34,441 |  | $ | 3,287,698 |  | $ | 3,322,139 |  | $ | -
(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 September 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 |  | 3,267 |  |  | 346
Construction |  | 2,886 |  |  | 3,180
Commercial business(1) |  | 1,600 |  |  | 1,340
Total | $ | 7,931 |  | $ | 5,109
_________ (1) Includes business 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 September 30, 2023 and gross charge-offs for the nine months ended September 30, 2023.
Loans by Year of Origination at September 30, 2023
|  | 2023 |  |  | 2022 |  |  | 2021 |  |  | 2020 |  |  | 2019 |  |  | Prior |  |  | Revolving Loans |  |  | Revolving Loans to Term Loans |  |  | Total
Residential one-to-four family |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | $ | 16,805 |  | $ | 54,608 |  | $ | 38,402 |  | $ | 31,622 |  | $ | 12,184 |  | $ | 96,050 |  | $ | - |  | $ | - |  | $ | 249,671
Special Mention |  | - |  |  | 496 |  |  | 91 |  |  | - |  |  | - |  |  | 91 |  |  | - |  |  | - |  |  | 678
Substandard |  | - |  |  | - |  |  | 1,318 |  |  | - |  |  | - |  |  | 178 |  |  | - |  |  | - |  |  | 1,496
Total one-to-four family | $ | 16,805 |  | $ | 55,104 |  | $ | 39,811 |  | $ | 31,622 |  | $ | 12,184 |  | $ | 96,319 |  | $ | - |  | $ | - |  | $ | 251,845
Commercial and multi-family |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | $ | 219,180 |  | $ | 822,626 |  | $ | 226,073 |  | $ | 217,855 |  | $ | 52,614 |  | $ | 848,504 |  | $ | 1,922 |  | $ | - |  | $ | 2,388,774
Special Mention |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | 26,690 |  |  | - |  |  | - |  |  | 26,690
Substandard |  | - |  |  | 3,071 |  |  | 4,079 |  |  | 3,575 |  |  | - |  |  | 18,698 |  |  | - |  |  | - |  |  | 29,423
Total Commercial and multi-family | $ | 219,180 |  | $ | 825,697 |  | $ | 230,152 |  | $ | 221,430 |  | $ | 52,614 |  | $ | 893,892 |  | $ | 1,922 |  | $ | - |  | $ | 2,444,887
Construction |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | $ | 15,108 |  | $ | 75,672 |  | $ | 57,434 |  | $ | 20,499 |  | $ | - |  | $ | 5,878 |  | $ | 5,681 |  | $ | - |  | $ | 180,272
Special Mention |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | -
Substandard |  | - |  |  | 1,458 |  |  | - |  |  | 586 |  |  | - |  |  | 2,886 |  |  | - |  |  | - |  |  | 4,930
Total Construction | $ | 15,108 |  | $ | 77,130 |  | $ | 57,434 |  | $ | 21,085 |  | $ | - |  | $ | 8,764 |  | $ | 5,681 |  | $ | - |  | $ | 185,202
Commercial business |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | $ | 2,553 |  | $ | 305 |  | $ | 3,314 |  | $ | 4,333 |  | $ | 7,143 |  | $ | 36,487 |  | $ | 304,133 |  | $ | - |  | $ | 358,268
Special Mention |  | - |  |  | - |  |  | - |  |  | - |  |  | 369 |  |  | 1,666 |  |  | 3,582 |  |  | - |  |  | 5,617
Substandard |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | 3,597 |  |  | 3,030 |  |  | - |  |  | 6,627
Total Commercial business | $ | 2,553 |  | $ | 305 |  | $ | 3,314 |  | $ | 4,333 |  | $ | 7,512 |  | $ | 41,750 |  | $ | 310,745 |  | $ | - |  | $ | 370,512
Home equity |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | $ | 4,189 |  | $ | 1,704 |  | $ | 565 |  | $ | 782 |  | $ | 1,306 |  | $ | 6,601 |  | $ | 50,074 |  | $ | 496 |  | $ | 65,717
Special Mention |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | -
Substandard |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | 117 |  |  | 212 |  |  | 329
Total Home equity | $ | 4,189 |  | $ | 1,704 |  | $ | 565 |  | $ | 782 |  | $ | 1,306 |  | $ | 6,601 |  | $ | 50,191 |  | $ | 708 |  | $ | 66,046
Consumer |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | $ | 1,463 |  | $ | 493 |  | $ | 1,524 |  | $ | 112 |  | $ | 47 |  | $ | - |  | $ | 8 |  | $ | - |  | $ | 3,647
Special Mention |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | -
Substandard |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | -
Total Consumer | $ | 1,463 |  | $ | 493 |  | $ | 1,524 |  | $ | 112 |  | $ | 47 |  | $ | - |  | $ | 8 |  | $ | - |  | $ | 3,647
Total Loans | $ | 259,298 |  | $ | 960,433 |  | $ | 332,800 |  | $ | 279,364 |  | $ | 73,663 |  | $ | 1,047,326 |  | $ | 368,547 |  | $ | 708 |  | $ | 3,322,139
Gross charge-offs | $ | 250 |  | $ | 305 |  | $ | - |  | $ | - |  | $ | - |  | $ | - |  | $ | - |  | $ | - |  | $ | 555
‎ 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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