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Loans Held For Investment (Tables) | 6 Months Ended
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Dec. 31, 2017
Loans and Leases Receivable Disclosure [Abstract] |
Schedule of Loans Held for Investment | Loans held for investment, net of fair value adjustments, consisted of the following:
(In Thousands) | December 31, 2017 | June 30, 2017
Mortgage loans: |  |
Single-family | $ | 313,837 |  | $ | 322,197 |
Multi-family | 463,786 |  | 479,959 |
Commercial real estate | 103,366 |  | 97,562 |
Construction | 14,430 |  | 16,009 |
Commercial business loans | 478 |  | 576 |
Consumer loans | 144 |  | 129 |
Total loans held for investment, gross | 896,041 |  | 916,432 |
Undisbursed loan funds | (7,358 | ) | (9,015 | )
Advance payments of escrows | 46 |  | 61 |
Deferred loan costs, net | 5,322 |  | 5,480 |
Allowance for loan losses | (8,075 | ) | (8,039 | )
Total loans held for investment, net | $ | 885,976 |  | $ | 904,919 |
Schedule of Loans Held for Investment, Contractual Repricing |
| Adjustable Rate |  |
(In Thousands) | Within One Year | After One Year Through 3 Years | After 3 Years Through 5 Years | After 5 Years Through 10 Years | Fixed Rate | Total
Mortgage loans: |  |  |  |  |  |
Single-family | $ | 152,732 |  | $ | 23,887 |  | $ | 73,968 |  | $ | 51,007 |  | $ | 12,243 |  | $ | 313,837 |
Multi-family | 117,609 |  | 169,374 |  | 160,034 |  | 14,216 |  | 2,553 |  | 463,786 |
Commercial real estate | 27,941 |  | 38,106 |  | 31,511 |  | 5,220 |  | 588 |  | 103,366 |
Construction | 12,527 |  | — |  | — |  | — |  | 1,903 |  | 14,430 |
Commercial business loans | 46 |  | — |  | — |  | — |  | 432 |  | 478 |
Consumer loans | 144 |  | — |  | — |  | — |  | — |  | 144 |
Total loans held for investment, gross | $ | 310,999 |  | $ | 231,367 |  | $ | 265,513 |  | $ | 70,443 |  | $ | 17,719 |  | $ | 896,041 |
Schedule of Allowance for Loan Losses and Recorded Investment [Table Text Block] | The following tables summarize the Corporation’s allowance for loan losses and recorded investment in gross loans, by portfolio type, at the dates and for the periods indicated.
|  | Quarter Ended December 31, 2017
(In Thousands) | Single-family | Multi-family | Commercial Real Estate | Construction | Commercial Business | Consumer | Total
Allowance for loan losses: |  |  |  |  |  |  |
Allowance at beginning of period | $ | 3,579 |  | $ | 3,431 |  | $ | 875 |  | $ | 140 |  | $ | 31 |  | $ | 7 |  | $ | 8,063 |
(Recovery) provision for loan losses | (299 | ) | (136 | ) | 58 |  | 364 |  | 1 |  | 1 |  | (11 | )
Recoveries | 48 |  | — |  | — |  | — |  | — |  | — |  | 48 |
Charge-offs | (25 | ) | — |  | — |  | — |  | — |  | — |  | (25 | )
| Allowance for loan losses, end of period | $ | 3,303 |  | $ | 3,295 |  | $ | 933 |  | $ | 504 |  | $ | 32 |  | $ | 8 |  | $ | 8,075 |
Allowance for loan losses: |  |  |  |  |  |  |
Individually evaluated for impairment | $ | — |  | $ | — |  | $ | — |  | $ | — |  | $ | 15 |  | $ | — |  | $ | 15 |
Collectively evaluated for impairment | 3,303 |  | 3,295 |  | 933 |  | 504 |  | 17 |  | 8 |  | 8,060 |
| Allowance for loan losses, end of period | $ | 3,303 |  | $ | 3,295 |  | $ | 933 |  | $ | 504 |  | $ | 32 |  | $ | 8 |  | $ | 8,075 |
Loans held for investment: |  |  |  |  |  |  |
Individually evaluated for impairment | $ | 7,038 |  | $ | — |  | $ | — |  | $ | — |  | $ | 76 |  | $ | — |  | $ | 7,114 |
Collectively evaluated for impairment | 306,799 |  | 463,786 |  | 103,366 |  | 14,430 |  | 402 |  | 144 |  | 888,927 |
| Total loans held for investment, gross | $ | 313,837 |  | $ | 463,786 |  | $ | 103,366 |  | $ | 14,430 |  | $ | 478 |  | $ | 144 |  | $ | 896,041 |
Allowance for loan losses as a percentage of gross loans held for investment | 1.05 | % | 0.71 | % | 0.90 | % | 3.49 | % | 6.69 | % | 5.56 | % | 0.90 | %
|  | Quarter Ended December 31, 2016
(In Thousands) | Single-family | Multi-family | Commercial Real Estate | Construction | Other Mortgage | Commercial Business | Consumer | Total
Allowance for loan losses: |  |  |  |  |  |  |  |
Allowance at beginning of period | $ | 4,575 |  | $ | 3,186 |  | $ | 854 |  | $ | 53 |  | $ | 7 |  | $ | 42 |  | $ | 8 |  | $ | 8,725 |
(Recovery) provision for loan losses | (304 | ) | (36 | ) | (18 | ) | 12 |  | (1 | ) | (5 | ) | 2 |  | (350 | )
Recoveries | 33 |  | 6 |  | — |  | — |  | — |  | — |  | — |  | 39 |
Charge-offs | (21 | ) | — |  | — |  | — |  | — |  | — |  | (2 | ) | (23 | )
| Allowance for loan losses, end of period | $ | 4,283 |  | $ | 3,156 |  | $ | 836 |  | $ | 65 |  | $ | 6 |  | $ | 37 |  | $ | 8 |  | $ | 8,391 |
Allowance for loan losses: |  |  |  |  |  |  |  |
Individually evaluated for impairment | $ | 97 |  | $ | — |  | $ | — |  | $ | — |  | $ | — |  | $ | 15 |  | $ | — |  | $ | 112 |
Collectively evaluated for impairment | 4,186 |  | 3,156 |  | 836 |  | 65 |  | 6 |  | 22 |  | 8 |  | 8,279 |
| Allowance for loan losses, end of period | $ | 4,283 |  | $ | 3,156 |  | $ | 836 |  | $ | 65 |  | $ | 6 |  | $ | 37 |  | $ | 8 |  | $ | 8,391 |
Loans held for investment: |  |  |  |  |  |  |  |
Individually evaluated for impairment | $ | 7,844 |  | $ | 374 |  | $ | — |  | $ | — |  | $ | — |  | $ | 85 |  | $ | — |  | $ | 8,303 |
Collectively evaluated for impairment | 308,751 |  | 448,091 |  | 98,044 |  | 16,872 |  | 265 |  | 525 |  | 184 |  | 872,732 |
| Total loans held for investment, gross | $ | 316,595 |  | $ | 448,465 |  | $ | 98,044 |  | $ | 16,872 |  | $ | 265 |  | $ | 610 |  | $ | 184 |  | $ | 881,035 |
Allowance for loan losses as a percentage of gross loans held for investment | 1.35 | % | 0.70 | % | 0.85 | % | 0.39 | % | 2.26 | % | 6.07 | % | 4.35 | % | 0.96 | %
|  | Six Months Ended December 31, 2017
(In Thousands) | Single-family | Multi-family | Commercial Real Estate | Construction | Commercial Business | Consumer | Total
Allowance for loan losses: |  |  |  |  |  |  |
Allowance at beginning of period | $ | 3,601 |  | $ | 3,420 |  | $ | 879 |  | $ | 96 |  | $ | 36 |  | $ | 7 |  | $ | 8,039 |
(Recovery) provision for loan losses | (176 | ) | (125 | ) | 54 |  | 408 |  | (4 | ) | 1 |  | 158 |
Recoveries | 132 |  | — |  | — |  | — |  | — |  | — |  | 132 |
Charge-offs | (254 | ) | — |  | — |  | — |  | — |  | — |  | (254 | )
| Allowance for loan losses, end of period | $ | 3,303 |  | $ | 3,295 |  | $ | 933 |  | $ | 504 |  | $ | 32 |  | $ | 8 |  | $ | 8,075 |
Allowance for loan losses: |  |  |  |  |  |  |
Individually evaluated for impairment | $ | — |  | $ | — |  | $ | — |  | $ | — |  | $ | 15 |  | $ | — |  | $ | 15 |
Collectively evaluated for impairment | 3,303 |  | 3,295 |  | 933 |  | 504 |  | 17 |  | 8 |  | 8,060 |
| Allowance for loan losses, end of period | $ | 3,303 |  | $ | 3,295 |  | $ | 933 |  | $ | 504 |  | $ | 32 |  | $ | 8 |  | $ | 8,075 |
Loans held for investment: |  |  |  |  |  |  |
Individually evaluated for impairment | $ | 7,038 |  | $ | — |  | $ | — |  | $ | — |  | $ | 76 |  | $ | — |  | $ | 7,114 |
Collectively evaluated for impairment | 306,799 |  | 463,786 |  | 103,366 |  | 14,430 |  | 402 |  | 144 |  | 888,927 |
| Total loans held for investment, gross | $ | 313,837 |  | $ | 463,786 |  | $ | 103,366 |  | $ | 14,430 |  | $ | 478 |  | $ | 144 |  | $ | 896,041 |
Allowance for loan losses as a percentage of gross loans held for investment | 1.05 | % | 0.71 | % | 0.90 | % | 3.49 | % | 6.69 | % | 5.56 | % | 0.90 | %
|  | Six Months Ended December 31, 2016
(In Thousands) | Single-family | Multi-family | Commercial Real Estate | Construction | Other Mortgage | Commercial Business | Consumer | Total
Allowance for loan losses: |  |  |  |  |  |  |  |
Allowance at beginning of period | $ | 4,933 |  | $ | 2,800 |  | $ | 848 |  | $ | 31 |  | $ | 7 |  | $ | 43 |  | $ | 8 |  | $ | 8,670 |
(Recovery) provision for loan losses | (859 | ) | 343 |  | (12 | ) | 34 |  | (1 | ) | (6 | ) | 1 |  | (500 | )
Recoveries | 296 |  | 13 |  | — |  | — |  | — |  | — |  | 1 |  | 310 |
Charge-offs | (87 | ) | — |  | — |  | — |  | — |  | — |  | (2 | ) | (89 | )
| Allowance for loan losses, end of period | $ | 4,283 |  | $ | 3,156 |  | $ | 836 |  | $ | 65 |  | $ | 6 |  | $ | 37 |  | $ | 8 |  | $ | 8,391 |
Allowance for loan losses: |  |  |  |  |  |  |  |
Individually evaluated for impairment | $ | 97 |  | $ | — |  | $ | — |  | $ | — |  | $ | — |  | $ | 15 |  | $ | — |  | $ | 112 |
Collectively evaluated for impairment | 4,186 |  | 3,156 |  | 836 |  | 65 |  | 6 |  | 22 |  | 8 |  | 8,279 |
| Allowance for loan losses, end of period | $ | 4,283 |  | $ | 3,156 |  | $ | 836 |  | $ | 65 |  | $ | 6 |  | $ | 37 |  | $ | 8 |  | $ | 8,391 |
Loans held for investment: |  |  |  |  |  |  |  |
Individually evaluated for impairment | $ | 7,844 |  | $ | 374 |  | $ | — |  | $ | — |  | $ | — |  | $ | 85 |  | $ | — |  | $ | 8,303 |
Collectively evaluated for impairment | 308,751 |  | 448,091 |  | 98,044 |  | 16,872 |  | 265 |  | 525 |  | 184 |  | 872,732 |
| Total loans held for investment, gross | $ | 316,595 |  | $ | 448,465 |  | $ | 98,044 |  | $ | 16,872 |  | $ | 265 |  | $ | 610 |  | $ | 184 |  | $ | 881,035 |
Allowance for loan losses as a percentage of gross loans held for investment | 1.35 | % | 0.70 | % | 0.85 | % | 0.39 | % | 2.26 | % | 6.07 | % | 4.35 | % | 0.96 | %
Schedule of Allowance for Loan Losses | The following table summarizes the Corporation’s allowance for loan losses at December 31, 2017 and June 30, 2017:
(In Thousands) | December 31, 2017 | June 30, 2017
Collectively evaluated for impairment: |  |
Mortgage loans: |  |
Single-family | $ | 3,303 |  | $ | 3,515 |
Multi-family | 3,295 |  | 3,420 |
Commercial real estate | 933 |  | 879 |
Construction | 504 |  | 96 |
Commercial business loans | 17 |  | 21 |
Consumer loans | 8 |  | 7 |
Total collectively evaluated allowance | 8,060 |  | 7,938 |
Individually evaluated for impairment: |  |
Mortgage loans: |  |
Single-family | — |  | 86 |
Commercial business loans | 15 |  | 15 |
Total individually evaluated allowance | 15 |  | 101 |
Total loan loss allowance | $ | 8,075 |  | $ | 8,039 |
The following table is provided to disclose additional details on the Corporation’s allowance for loan losses:
| For the Quarters Ended December 31, | For the Six Months Ended December 31,
(Dollars in Thousands) | 2017 | 2016 | 2017 | 2016
Allowance at beginning of period | $ | 8,063 |  | $ | 8,725 |  | $ | 8,039 |  | $ | 8,670 |
(Recovery) provision for loan losses | (11 | ) | (350 | ) | 158 |  | (500 | )
Recoveries: |  |  |  |  |  |  |  |
Mortgage loans: |  |  |  |  |  |  |  |
Single-family | 48 |  | 33 |  | 132 |  | 296 |
Multi-family | — |  | 6 |  | — |  | 13 |
Consumer loans | — |  | — |  | — |  | 1 |
Total recoveries | 48 |  | 39 |  | 132 |  | 310 |
Charge-offs: |  |  |  |  |  |  |  |
Mortgage loans: |  |  |  |  |  |  |  |
Single-family | (25 | ) | (21 | ) | (254 | ) | (87 | )
Consumer loans | — |  | (2 | ) | — |  | (2 | )
Total charge-offs | (25 | ) | (23 | ) | (254 | ) | (89 | )
Net recoveries (charge-offs) | 23 |  | 16 |  | (122 | ) | 221 |
Balance at end of period | $ | 8,075 |  | $ | 8,391 |  | $ | 8,075 |  | $ | 8,391 |
Allowance for loan losses as a percentage of gross loans held for investment at the end of the period | 0.90 | % | 0.96 | % | 0.90 | % | 0.96 | %
Net (recoveries) charge-offs as a percentage of average loans receivable, net, during the period (annualized) | (0.01 | )% | (0.01 | )% | 0.02 | % | (0.04 | )%
Schedule of Recorded Investment in Non-Performing Loans |
|  |  | At December 31, 2017
|  |  | Unpaid |  |  |  | Net
|  |  | Principal | Related | Recorded |  | Recorded
(In Thousands) | Balance | Charge-offs | Investment | Allowance(1) | Investment
Mortgage loans: |  |  |  |  |
| Single-family: |  |  |  |  |
|  | With a related allowance | $ | 1,126 |  | $ | — |  | $ | 1,126 |  | $ | (240 | ) | $ | 886 |
|  | Without a related allowance(2) | 7,951 |  | (913 | ) | 7,038 |  | — |  | 7,038 |
| Total single-family | 9,077 |  | (913 | ) | 8,164 |  | (240 | ) | 7,924 |
Commercial business loans: |  |  |  |  |
| With a related allowance | 76 |  | — |  | 76 |  | (15 | ) | 61 |
Total commercial business loans | 76 |  | — |  | 76 |  | (15 | ) | 61 |
Total non-performing loans | $ | 9,153 |  | $ | (913 | ) | $ | 8,240 |  | $ | (255 | ) | $ | 7,985 |
(1) Consists of collectively and individually evaluated allowances, specifically assigned to the individual loan, and fair value adjustments. (2) There was no related allowance for loan losses because the loans have been charged-off to their fair value or the fair value of the collateral is higher than the loan balance.
|  |  | At June 30, 2017
|  |  | Unpaid |  |  |  | Net
|  |  | Principal | Related | Recorded |  | Recorded
(In Thousands) | Balance | Charge-offs | Investment | Allowance(1) | Investment
Mortgage loans: |  |  |  |  |
| Single-family: |  |  |  |  |
|  | With a related allowance | $ | 1,821 |  | $ | — |  | $ | 1,821 |  | $ | (325 | ) | $ | 1,496 |
|  | Without a related allowance(2) | 7,119 |  | (886 | ) | 6,233 |  | — |  | 6,233 |
| Total single-family | 8,940 |  | (886 | ) | 8,054 |  | (325 | ) | 7,729 |
| Commercial real estate: |  |  |  |  |
|  | Without a related allowance(2) | 201 |  | — |  | 201 |  | — |  | 201 |
| Total commercial real estate | 201 |  | — |  | 201 |  | — |  | 201 |
Commercial business loans: |  |  |  |  |
| With a related allowance | 80 |  | — |  | 80 |  | (15 | ) | 65 |
Total commercial business loans | 80 |  | — |  | 80 |  | (15 | ) | 65 |
Total non-performing loans | $ | 9,221 |  | $ | (886 | ) | $ | 8,335 |  | $ | (340 | ) | $ | 7,995 |
(1) Consists of collectively and individually evaluated allowances, specifically assigned to the individual loan, and fair value adjustments. (2) There was no related allowance for loan losses because the loans have been charged-off to their fair value or the fair value of the collateral is higher than the loan balance.
Schedule of Average Recorded Investment in Non-Performing Loans and Related Interest Income [Table Text Block] | The following tables present the average recorded investment in non-performing loans and the related interest income recognized for the quarters and six months ended December 31, 2017 and 2016:
|  |  | Quarter Ended December 31,
|  |  | 2017 |  | 2016
|  |  | Average | Interest |  | Average | Interest
|  |  | Recorded | Income |  | Recorded | Income
(In Thousands) | Investment | Recognized |  | Investment | Recognized
Without related allowances: |  |  |  |  |
| Mortgage loans: |  |  |  |  |
|  | Single-family | $ | 7,301 |  | $ | — |  |  | $ | 7,458 |  | $ | 1 |
|  | Multi-family | — |  | — |  |  | 375 |  | — |
|  |  | 7,301 |  | — |  |  | 7,833 |  | 1 |
With related allowances: |  |  |  |  |
| Mortgage loans: |  |  |  |  |
|  | Single-family | 786 |  | 8 |  |  | 2,578 |  | 19 |
|  | Multi-family | — |  | — |  |  | 92 |  | 12 |
| Commercial business loans | 76 |  | 2 |  |  | 88 |  | 2 |
|  | 862 |  | 10 |  |  | 2,758 |  | 33 |
| Total | $ | 8,163 |  | $ | 10 |  |  | $ | 10,591 |  | $ | 34 |
|  |  | Six Months Ended December 31,
|  |  | 2017 |  | 2016
|  |  | Average | Interest |  | Average | Interest
|  |  | Recorded | Income |  | Recorded | Income
|  |  | Investment | Recognized |  | Investment | Recognized
Without related allowances: |  |  |  |  |
| Mortgage loans: |  |  |  |  |
|  | Single-family | $ | 7,659 |  | $ | 135 |  |  | $ | 7,771 |  | $ | 37 |
|  | Multi-family | — |  | — |  |  | 377 |  | — |
|  | Commercial real estate | 34 |  | 13 |  |  | — |  | — |
|  |  | 7,693 |  | 148 |  |  | 8,148 |  | 37 |
With related allowances: |  |  |  |  |
| Mortgage loans: |  |  |  |  |
|  | Single-family | 608 |  | 19 |  |  | 2,517 |  | 46 |
|  | Multi-family | — |  | — |  |  | 279 |  | 17 |
| Commercial business loans | 77 |  | 3 |  |  | 91 |  | 3 |
|  | 685 |  | 22 |  |  | 2,887 |  | 66 |
| Total | $ | 8,378 |  | $ | 170 |  |  | $ | 11,035 |  | $ | 103 |
Schedule of Aging Analysis of Non-Performing Loans | The following tables denote the past due status of the Corporation's gross loans held for investment, net of fair value adjustments, at the dates indicated.
|  | December 31, 2017
(In Thousands) | Current | 30-89 Days Past Due | Non-Accrual (1) | Total Loans Held for Investment
Mortgage loans: |  |  |  |
| Single-family | $ | 304,173 |  | $ | 1,537 |  | $ | 8,127 |  | $ | 313,837 |
| Multi-family | 463,786 |  | — |  | — |  | 463,786 |
| Commercial real estate | 103,366 |  | — |  | — |  | 103,366 |
| Construction | 14,430 |  | — |  | — |  | 14,430 |
Commercial business loans | 402 |  | — |  | 76 |  | 478 |
Consumer loans | 144 |  | — |  | — |  | 144 |
| Total loans held for investment, gross | $ | 886,301 |  | $ | 1,537 |  | $ | 8,203 |  | $ | 896,041 |
(1) All loans 90 days or greater past due are placed on non-accrual status.
|  | June 30, 2017
(In Thousands) | Current | 30-89 Days Past Due | Non-Accrual (1) | Total Loans Held for Investment
Mortgage loans: |  |  |  |
| Single-family | $ | 313,146 |  | $ | 1,035 |  | $ | 8,016 |  | $ | 322,197 |
| Multi-family | 479,959 |  | — |  | — |  | 479,959 |
| Commercial real estate | 97,361 |  | — |  | 201 |  | 97,562 |
| Construction | 16,009 |  | — |  | — |  | 16,009 |
Commercial business loans | 496 |  | — |  | 80 |  | 576 |
Consumer loans | 129 |  | — |  | — |  | 129 |
| Total loans held for investment, gross | $ | 907,100 |  | $ | 1,035 |  | $ | 8,297 |  | $ | 916,432 |
(1) All loans 90 days or greater past due are placed on non-accrual status.
Schedule of Troubled Debt Restructurings by Nonaccrual Versus Accrual Status | The following table summarizes at the dates indicated the restructured loan balances, net of allowance for loan losses, by loan type and non-accrual versus accrual status:
| At | At
(In Thousands) | December 31, 2017 | June 30, 2017
Restructured loans on non-accrual status: |  |
Mortgage loans: |  |
Single-family | $ | 3,416 |  | $ | 3,061 |
Commercial business loans | 61 |  | 65 |
Total | 3,477 |  | 3,126 |
Restructured loans on accrual status: |  |  |  |
Mortgage loans: |  |  |  |
Single-family | 962 |  | 506 |
Total | 962 |  | 506 |
Total restructured loans | $ | 4,439 |  | $ | 3,632 |
Schedule of Recorded Investment in Restructured Loans [Table Text Block] | The following tables identify the Corporation’s total recorded investment in restructured loans by type at the dates and for the periods indicated.
|  |  | At December 31, 2017
|  |  | Unpaid |  |  |  | Net
|  |  | Principal | Related | Recorded |  | Recorded
(In Thousands) | Balance | Charge-offs | Investment | Allowance(1) | Investment
Mortgage loans: |  |  |  |  |
| Single-family: |  |  |  |  |
|  | Without a related allowance(2) | $ | 4,914 |  | $ | (536 | ) | $ | 4,378 |  | $ | — |  | $ | 4,378 |
| Total single-family | 4,914 |  | (536 | ) | 4,378 |  | — |  | 4,378 |
Commercial business loans: |  |  |  |  |
| With a related allowance | 76 |  | — |  | 76 |  | (15 | ) | 61 |
Total commercial business loans | 76 |  | — |  | 76 |  | (15 | ) | 61 |
Total restructured loans | $ | 4,990 |  | $ | (536 | ) | $ | 4,454 |  | $ | (15 | ) | $ | 4,439 |
(1) Consists of collectively and individually evaluated allowances, specifically assigned to the individual loan. (2) There was no related allowance for loan losses because the loans have been charged-off to their fair value or the fair value of the collateral is higher than the loan balance.
|  |  | At June 30, 2017
|  |  | Unpaid |  |  |  | Net
|  |  | Principal | Related | Recorded |  | Recorded
(In Thousands) | Balance | Charge-offs | Investment | Allowance(1) | Investment
Mortgage loans: |  |  |  |  |
| Single-family |  |  |  |  |
|  | With a related allowance | $ | 485 |  | $ | — |  | $ | 485 |  | $ | (97 | ) | $ | 388 |
|  | Without a related allowance(2) | 3,618 |  | (439 | ) | 3,179 |  | — |  | 3,179 |
| Total single-family | 4,103 |  | (439 | ) | 3,664 |  | (97 | ) | 3,567 |
Commercial business loans: |  |  |  |  |
| With a related allowance | 80 |  | — |  | 80 |  | (15 | ) | 65 |
Total commercial business loans | 80 |  | — |  | 80 |  | (15 | ) | 65 |
Total restructured loans | $ | 4,183 |  | $ | (439 | ) | $ | 3,744 |  | $ | (112 | ) | $ | 3,632 |
(1) Consists of collectively and individually evaluated allowances, specifically assigned to the individual loan. (2) There was no related allowance for loan losses because the loans have been charged-off to their fair value or the fair value of the collateral is higher than the loan balance.
Schedule of Gross Loans Held for Investment by Loan Types and Risk Category [Table Text Block] | The following tables summarize gross loans held for investment, net of fair value adjustments, by loan types and risk category at the dates indicated:
|  | December 31, 2017
(In Thousands) | Single-family | Multi-family | Commercial Real Estate | Construction | Commercial Business | Consumer | Total
Pass | $ | 302,868 |  | $ | 463,786 |  | $ | 103,366 |  | $ | 10,734 |  | $ | 402 |  | $ | 144 |  | $ | 881,300 |
Special Mention | 2,842 |  | — |  | — |  | 926 |  | — |  | — |  | 3,768 |
Substandard | 8,127 |  | — |  | — |  | 2,770 |  | 76 |  | — |  | 10,973 |
| Total loans held for investment, gross | $ | 313,837 |  | $ | 463,786 |  | $ | 103,366 |  | $ | 14,430 |  | $ | 478 |  | $ | 144 |  | $ | 896,041 |
|  | June 30, 2017
(In Thousands) | Single-family | Multi-family | Commercial Real Estate | Construction | Commercial Business | Consumer | Total
Pass | $ | 310,738 |  | $ | 479,687 |  | $ | 97,361 |  | $ | 16,009 |  | $ | 496 |  | $ | 129 |  | $ | 904,420 |
Special Mention | 3,443 |  | 272 |  | — |  | — |  | — |  | — |  | 3,715 |
Substandard | 8,016 |  | — |  | 201 |  | — |  | 80 |  | — |  | 8,297 |
| Total loans held for investment, gross | $ | 322,197 |  | $ | 479,959 |  | $ | 97,562 |  | $ | 16,009 |  | $ | 576 |  | $ | 129 |  | $ | 916,432 |

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