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
September 30, 2022	Impairment		Impairment		Total		Impairment		Impairment		Total

Commercial business	$	—	$	2,789	$	2,789	$	90	$	236,227	$	236,317
Commercial real estate		—		8,230		8,230		111		564,470		564,581
Land		—		124		124		—		8,208		8,208
Multi-family		—		856		856		—		58,367		58,367
Real estate construction		—		638		638		—		37,758		37,758
Consumer		6		1,219		1,225		476		105,301		105,777
Unallocated		—		690		690		—		—		—
Total	$	6	$	14,546	$	14,552	$	677	$	1,010,331	$	1,011,008

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
September 30, 2022	Pass		Mention		Substandard		Doubtful		Loss		Receivable

Commercial business	$	235,683	$	157	$	477	$	—	$	—	$	236,317
Commercial real estate		557,788		677		6,116		—		—		564,581
Land		8,208		—		—		—		—		8,208
Multi-family		58,221		146		—		—		—		58,367
Real estate construction		37,758		—		—		—		—		37,758
Consumer		105,730		—		47		—		—		105,777
Total	$	1,003,388	$	980	$	6,640	$	—	$	—	$	1,011,008

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):


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

Commercial business	$	—	$	90	$	90	$	—	$	100	$	100
Commercial real estate		—		111		111		—		122		122
Consumer		476		—		476		495		—		495
Total	$	476	$	201	$	677	$	495	$	222	$	717