ALLOWANCE FOR LOAN LOSSES

Schedule of impaired financing receivables

The following tables present an analysis of loans receivable and the allowance for loan losses, based on impairment methodology, at the dates indicated (in thousands):


	Allowance for Loan Losses						Recorded Investment in Loans
	Individually		Collectively				Individually		Collectively
	Evaluated		Evaluated				Evaluated		Evaluated
	for		for				for		for
June 30, 2022	Impairment		Impairment		Total		Impairment		Impairment		Total

Commercial business	$	—	$	2,495	$	2,495	$	95	$	226,928	$	227,023
Commercial real estate		—		8,542		8,542		117		578,440		578,557
Land		—		149		149		—		9,863		9,863
Multi-family		—		862		862		—		58,943		58,943
Real estate construction		—		518		518		—		30,754		30,754
Consumer		7		1,229		1,236		486		106,839		107,325
Unallocated		—		757		757		—		—		—
Total	$	7	$	14,552	$	14,559	$	698	$	1,011,767	$	1,012,465

March 31, 2022

Commercial business	$	—	$	2,422	$	2,422	$	100	$	227,991	$	228,091
Commercial real estate		—		9,037		9,037		122		582,715		582,837
Land		—		168		168		—		11,556		11,556
Multi-family		—		845		845		—		60,211		60,211
Real estate construction		—		393		393		—		24,160		24,160
Consumer		8		935		943		495		83,058		83,553
Unallocated		—		715		715		—		—		—
Total	$	8	$	14,515	$	14,523	$	717	$	989,691	$	990,408

Schedule of credit quality indicators

The following tables present an analysis of loans by credit quality indicators at the dates indicated (in thousands):


											Total
			Special								Loans
June 30, 2022	Pass		Mention		Substandard		Doubtful		Loss		Receivable

Commercial business	$	226,379	$	506	$	138	$	—	$	—	$	227,023
Commercial real estate		571,709		681		6,167		—		—		578,557
Land		9,863		—		—		—		—		9,863
Multi-family		58,811		132		—		—		—		58,943
Real estate construction		30,754		—		—		—		—		30,754
Consumer		107,274		—		51		—		—		107,325
Total	$	1,004,790	$	1,319	$	6,356	$	—	$	—	$	1,012,465

March 31, 2022

Commercial business	$	227,435	$	511	$	145	$	—	$	—	$	228,091
Commercial real estate		569,417		7,211		6,209		—		—		582,837
Land		11,556		—		—		—		—		11,556
Multi-family		60,138		73		—		—		—		60,211
Real estate construction		24,160		—		—		—		—		24,160
Consumer		83,502		—		51		—		—		83,553
Total	$	976,208	$	7,795	$	6,405	$	—	$	—	$	990,408

Schedule of TDRs by interest accrual status

The following table presents TDRs by interest accrual status at the dates indicated (in thousands):


	June 30, 2022						March 31, 2022
	Accrual		Nonaccrual		Total		Accrual		Nonaccrual		Total

Commercial business	$	—	$	95	$	95	$	—	$	100	$	100
Commercial real estate		—		117		117		—		122		122
Consumer		486		—		486		495		—		495
Total	$	486	$	212	$	698	$	495	$	222	$	717