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Loans Held For Investment (Tables) | 3 Months Ended
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Sep. 30, 2018
Loans and Leases Receivable Disclosure [Abstract] |
Schedule of loans held for investment |
(In Thousands) |  | September 30, 2018 |  |  | June 30, 2018 |
Mortgage loans: |  |  |  |  |  |
Single-family |  | $ | 307,480 |  |  | $ | 314,808 |
Multi-family |  |  | 454,821 |  |  |  | 476,008 |
Commercial real estate |  |  | 112,026 |  |  |  | 109,726 |
Construction |  |  | 8,956 |  |  |  | 7,476 |
Other |  |  | 167 |  |  |  | 167 |
Commercial business loans (1) |  |  | 416 |  |  |  | 500 |
Consumer loans (2) |  |  | 104 |  |  |  | 109 |
Total loans held for investment, gross |  |  | 883,970 |  |  |  | 908,794 |
Undisbursed loan funds (3) |  |  | (5,110 | ) |  |  | (4,302 | )
Advance payments of escrows |  |  | 3 |  |  |  | 18 |
Deferred loan costs, net |  |  | 5,383 |  |  |  | 5,560 |
Allowance for loan losses |  |  | (7,155 | ) |  |  | (7,385 | )
Total loans held for investment, net |  | $ | 877,091 |  |  | $ | 902,685 |
(1) | Net of $1.5 million and $495 of undisbursed lines of credit as of September 30, 2018 and June 30, 2018, respectively.
(2) | Net of $497 and $503 of undisbursed lines of credit as of September 30, 2018 and June 30, 2018, respectively.
(3) | Comprised solely of undisbursed construction loan funds.
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 |  | $ | 116,585 |  |  | $ | 28,559 |  |  | $ | 93,276 |  |  | $ | 57,120 |  |  | $ | 11,940 |  |  | $ | 307,480 |
Multi-family |  |  | 130,379 |  |  |  | 161,337 |  |  |  | 148,803 |  |  |  | 14,093 |  |  |  | 209 |  |  |  | 454,821 |
Commercial real estate |  |  | 32,602 |  |  |  | 43,629 |  |  |  | 35,269 |  |  |  | — |  |  |  | 526 |  |  |  | 112,026 |
Construction |  |  | 7,273 |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 1,683 |  |  |  | 8,956 |
Other |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 167 |  |  |  | 167 |
Commercial business loans |  |  | 42 |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 374 |  |  |  | 416 |
Consumer loans |  |  | 104 |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 104 |
Total loans held for investment, gross |  | $ | 286,985 |  |  | $ | 233,525 |  |  | $ | 277,348 |  |  | $ | 71,213 |  |  | $ | 14,899 |  |  | $ | 883,970 |
Schedule of gross loans held for investment by loan types and risk category |
|  | September 30, 2018 |
In Thousands) |  | Single- family |  |  | Multi- family |  |  | Commercial Real Estate |  |  | Construction |  |  | Other Mortgage |  |  | Commercial Business |  |  | Consumer |  |  | Total |
Pass |  | $ | 298,414 |  |  | $ | 450,894 |  |  | $ | 112,026 |  |  | $ | 6,906 |  |  | $ | 167 |  |  | $ | 348 |  |  | $ | 104 |  |  | $ | 868,859 |
Special Mention |  |  | 1,141 |  |  |  | 3,927 |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 5,068 |
Substandard |  |  | 7,925 |  |  |  | — |  |  |  | — |  |  |  | 2,050 |  |  |  | — |  |  |  | 68 |  |  |  | — |  |  |  | 10,043 |
Total loans held for investment, gross |  | $ | 307,480 |  |  | $ | 454,821 |  |  | $ | 112,026 |  |  | $ | 8,956 |  |  | $ | 167 |  |  | $ | 416 |  |  | $ | 104 |  |  | $ | 883,970 |
|  | June 30, 2018 |
In Thousands) |  | Single- family |  |  | Multi- family |  |  | Commercial Real Estate |  |  | Construction |  |  | Other Mortgage |  |  | Commercial Business |  |  | Consumer |  |  | Total |
Pass |  | $ | 304,619 |  |  | $ | 472,061 |  |  | $ | 108,786 |  |  | $ | 7,476 |  |  | $ | 167 |  |  | $ | 430 |  |  | $ | 109 |  |  | $ | 893,648 |
Special Mention |  |  | 2,548 |  |  |  | 3,947 |  |  |  | 940 |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 7,435 |
Substandard |  |  | 7,641 |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 70 |  |  |  | — |  |  |  | 7,711 |
Total loans held for investment, gross |  | $ | 314,808 |  |  | $ | 476,008 |  |  | $ | 109,726 |  |  | $ | 7,476 |  |  | $ | 167 |  |  | $ | 500 |  |  | $ | 109 |  |  | $ | 908,794 |
Schedule of allowance for loan losses |
(In Thousands) |  | September 30, 2018 |  |  | June 30, 2018 |
Collectively evaluated for impairment: |  |  |  |  |  |  |  |
Mortgage loans: |  |  |  |  |  |  |  |
Single-family |  | $ | 2,617 |  |  | $ | 2,632 |
Multi-family |  |  | 3,336 |  |  |  | 3,492 |
Commercial real estate |  |  | 1,012 |  |  |  | 1,030 |
Construction |  |  | 38 |  |  |  | 47 |
Other |  |  | 3 |  |  |  | 3 |
Commercial business loans |  |  | 14 |  |  |  | 18 |
Consumer loans |  |  | 6 |  |  |  | 6 |
Total collectively evaluated allowance |  |  | 7,026 |  |  |  | 7,228 |
Individually evaluated for impairment: |  |  |  |  |  |  |  |
Mortgage loans: |  |  |  |  |  |  |  |
Single-family |  |  | 124 |  |  |  | 151 |
Commercial business loans |  |  | 5 |  |  |  | 6 |
Total individually evaluated allowance |  |  | 129 |  |  |  | 157 |
Total loan loss allowance |  | $ | 7,155 |  |  | $ | 7,385 |
The following table is provided to disclose additional details on the Corporation’s allowance for loan losses:
|  | For the Quarters Ended September 30, |
(Dollars in Thousands) |  | 2018 |  |  | 2017 |
Allowance at beginning of period |  | $ | 7,385 |  |  | $ | 8,039 |
(Recovery) provision for loan losses |  |  | (237 | ) |  |  | 169 |
Recoveries: |  |  |  |  |  |  |  |
Mortgage loans: |  |  |  |  |  |  |  |
Single-family |  |  | 32 |  |  |  | 84 |
Consumer loans |  |  | 1 |  |  |  | — |
Total recoveries |  |  | 33 |  |  |  | 84 |
Charge-offs: |  |  |  |  |  |  |  |
Mortgage loans: |  |  |  |  |  |  |  |
Single-family |  |  | (25 | ) |  |  | (229 | )
Consumer loans |  |  | (1 | ) |  |  | — |
Total charge-offs |  |  | (26 | ) |  |  | (229 | )
Net recoveries (charge-offs) |  |  | 7 |  |  |  | (145 | )
Balance at end of period |  | $ | 7,155 |  |  | $ | 8,063 |
Allowance for loan losses as a percentage of gross loans held for investment at the end of the period |  |  | 0.81 | % |  |  | 0.88 | %
Net (recoveries) charge-offs as a percentage of average loans receivable, net, during the period (annualized) |  |  | 0.00 | % |  |  | 0.06 | %
Schedule of aging analysis of non-performing loans |
|  | September 30, 2018 |
(In Thousands) |  | Current |  |  | 30-89 Days Past Due |  |  | Non-Accrual (1) |  |  | Total Loans Held for Investment, Gross |
Mortgage loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Single-family |  | $ | 301,055 |  |  | $ | — |  |  | $ | 6,425 |  |  | $ | 307,480 |
Multi-family |  |  | 454,821 |  |  |  | — |  |  |  | — |  |  |  | 454,821 |
Commercial real estate |  |  | 112,026 |  |  |  | — |  |  |  | — |  |  |  | 112,026 |
Construction |  |  | 6,906 |  |  |  | — |  |  |  | 2,050 |  |  |  | 8,956 |
Other |  |  | 167 |  |  |  | — |  |  |  | — |  |  |  | 167 |
Commercial business loans |  |  | 348 |  |  |  | — |  |  |  | 68 |  |  |  | 416 |
Consumer loans |  |  | 104 |  |  |  | — |  |  |  | — |  |  |  | 104 |
Total loans held for investment, gross |  | $ | 875,427 |  |  | $ | — |  |  | $ | 8,543 |  |  | $ | 883,970 |
| (1) | All loans 90 days or greater past due are placed on non-accrual status.
|  | June 30, 2018 |
(In Thousands) |  | Current |  |  | 30-89 Days Past Due |  |  | Non-Accrual (1) |  |  | Total Loans Held for Investment, Gross |
Mortgage loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Single-family |  | $ | 307,863 |  |  | $ | 804 |  |  | $ | 6,141 |  |  | $ | 314,808 |
Multi-family |  |  | 476,008 |  |  |  | — |  |  |  | — |  |  |  | 476,008 |
Commercial real estate |  |  | 109,726 |  |  |  | — |  |  |  | — |  |  |  | 109,726 |
Construction |  |  | 7,476 |  |  |  | — |  |  |  | — |  |  |  | 7,476 |
Other |  |  | 167 |  |  |  | — |  |  |  | — |  |  |  | 167 |
Commercial business loans |  |  | 430 |  |  |  | — |  |  |  | 70 |  |  |  | 500 |
Consumer loans |  |  | 108 |  |  |  | 1 |  |  |  | — |  |  |  | 109 |
Total loans held for investment, gross |  | $ | 901,778 |  |  | $ | 805 |  |  | $ | 6,211 |  |  | $ | 908,794 |
(1) All loans 90 days or greater past due are placed on non-accrual status.
Schedule of allowance for loan losses and recorded investment |
|  | Quarter Ended September 30, 2018 |
(In Thousands) |  | Single-family |  |  | Multi-family |  |  | Commercial Real Estate |  |  | Construction |  |  | Other |  |  | Commercial Business |  |  | Consumer |  |  | Total |
Allowance for loan losses: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Allowance at beginning of period |  | $ | 2,783 |  |  | $ | 3,492 |  |  | $ | 1,030 |  |  | $ | 47 |  |  | $ | 3 |  |  | $ | 24 |  |  | $ | 6 |  |  | $ | 7,385 |
Recovery from the allowance for loan losses |  |  | (49 | ) |  |  | (156 | ) |  |  | (18 | ) |  |  | (9 | ) |  |  | — |  |  |  | (5 | ) |  |  | — |  |  |  | (237 | )
Recoveries |  |  | 32 |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 1 |  |  |  | 33 |
Charge-offs |  |  | (25 | ) |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | (1 | ) |  |  | (26 | )
Allowance for loan losses, end of period |  | $ | 2,741 |  |  | $ | 3,336 |  |  | $ | 1,012 |  |  | $ | 38 |  |  | $ | 3 |  |  | $ | 19 |  |  | $ | 6 |  |  | $ | 7,155 |
Allowance for loan losses: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Individually evaluated for impairment |  | $ | 124 |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | 5 |  |  | $ | — |  |  | $ | 129 |
Collectively evaluated for impairment |  |  | 2,617 |  |  |  | 3,336 |  |  |  | 1,012 |  |  |  | 38 |  |  |  | 3 |  |  |  | 14 |  |  |  | 6 |  |  |  | 7,026 |
Allowance for loan losses, end of period |  | $ | 2,741 |  |  | $ | 3,336 |  |  | $ | 1,012 |  |  | $ | 38 |  |  | $ | 3 |  |  | $ | 19 |  |  | $ | 6 |  |  | $ | 7,155 |
Loans held for investment: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Individually evaluated for impairment |  | $ | 6,370 |  |  | $ | — |  |  | $ | — |  |  | $ | 2,050 |  |  | $ | — |  |  | $ | 68 |  |  | $ | — |  |  | $ | 8,488 |
Collectively evaluated for impairment |  |  | 301,110 |  |  |  | 454,821 |  |  |  | 112,026 |  |  |  | 6,906 |  |  |  | 167 |  |  |  | 348 |  |  |  | 104 |  |  |  | 875,482 |
Total loans held for investment, gross |  | $ | 307,480 |  |  | $ | 454,821 |  |  | $ | 112,026 |  |  | $ | 8,956 |  |  | $ | 167 |  |  | $ | 416 |  |  | $ | 104 |  |  | $ | 883,970 |
Allowance for loan losses as a percentage of gross loans held for investment |  |  | 0.89 | % |  |  | 0.73 | % |  |  | 0.90 | % |  |  | 0.42 | % |  |  | 1.80 | % |  |  | 4.57 | % |  |  | 5.77 | % |  |  | 0.81 | %
|  | Quarter Ended September 30, 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 |
Provision (recovery) for loan losses |  |  | 123 |  |  |  | 11 |  |  |  | (4 | ) |  |  | 44 |  |  |  | (5 | ) |  |  | — |  |  |  | 169 |
Recoveries |  |  | 84 |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 84 |
Charge-offs |  |  | (229 | ) |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | (229 | )
Allowance for loan losses, end of period |  | $ | 3,579 |  |  | $ | 3,431 |  |  | $ | 875 |  |  | $ | 140 |  |  | $ | 31 |  |  | $ | 7 |  |  | $ | 8,063 |
Allowance for loan losses: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Individually evaluated for impairment |  | $ | 17 |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | 15 |  |  | $ | — |  |  | $ | 32 |
Collectively evaluated for impairment |  |  | 3,562 |  |  |  | 3,431 |  |  |  | 875 |  |  |  | 140 |  |  |  | 16 |  |  |  | 7 |  |  |  | 8,031 |
Allowance for loan losses, end of period |  | $ | 3,579 |  |  | $ | 3,431 |  |  | $ | 875 |  |  | $ | 140 |  |  | $ | 31 |  |  | $ | 7 |  |  | $ | 8,063 |
Loans held for investment: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Individually evaluated for impairment |  | $ | 6,239 |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | 79 |  |  | $ | — |  |  | $ | 6,318 |
Collectively evaluated for impairment |  |  | 316,124 |  |  |  | 482,617 |  |  |  | 96,863 |  |  |  | 16,290 |  |  |  | 387 |  |  |  | 131 |  |  |  | 912,412 |
Total loans held for investment, gross |  | $ | 322,363 |  |  | $ | 482,617 |  |  | $ | 96,863 |  |  | $ | 16,290 |  |  | $ | 466 |  |  | $ | 131 |  |  | $ | 918,730 |
Allowance for loan losses as a percentage of gross loans held for investment |  |  | 1.11 | % |  |  | 0.71 | % |  |  | 0.90 | % |  |  | 0.86 | % |  |  | 6.65 | % |  |  | 5.34 | % |  |  | 0.88 | %
Schedule of recorded investment in non-performing loans |
|  | At September 30, 2018 |
|  | Unpaid |  |  |  |  |  |  |  |  |  |  |  | Net |
|  | Principal |  |  | Related |  |  | Recorded |  |  |  |  |  | Recorded |
(In Thousands) |  | Balance |  |  | Charge-offs |  |  | Investment |  |  | Allowance(1) |  |  | Investment |
Mortgage loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Single-family: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
With a related allowance |  | $ | 2,313 |  |  | $ | — |  |  | $ | 2,313 |  |  | $ | (408 | ) |  | $ | 1,905 |
Without a related allowance(2) |  |  | 4,832 |  |  |  | (684 | ) |  |  | 4,148 |  |  |  | — |  |  |  | 4,148 |
Total single-family |  |  | 7,145 |  |  |  | (684 | ) |  |  | 6,461 |  |  |  | (408 | ) |  |  | 6,053 |
Construction: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Without a related allowance(3) |  |  | 745 |  |  |  | — |  |  |  | 745 |  |  |  | — |  |  |  | 745 |
Total construction |  |  | 745 |  |  |  | — |  |  |  | 745 |  |  |  | — |  |  |  | 745 |
Commercial business loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
With a related allowance |  |  | 68 |  |  |  | — |  |  |  | 68 |  |  |  | (4 | ) |  |  | 64 |
Total commercial business loans |  |  | 68 |  |  |  | — |  |  |  | 68 |  |  |  | (4 | ) |  |  | 64 |
Total non-performing loans |  | $ | 7,958 |  |  | $ | (684 | ) |  | $ | 7,274 |  |  | $ | (412 | ) |  | $ | 6,862 |
| (1) | Consists of collectively and individually evaluated allowances, specifically assigned to the individual loan, and fair value credit 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.
| (3) | There was no related allowance for loan losses because the loans, net of undisbursed loan funds, have been charged-off to their fair value or the fair value of the collateral is higher than the net loan balance.
|  | At June 30, 2018 |
|  | Unpaid |  |  |  |  |  |  |  |  |  |  |  | Net |
|  | Principal |  |  | Related |  |  | Recorded |  |  |  |  |  | Recorded |
(In Thousands) |  | Balance |  |  | Charge-offs |  |  | Investment |  |  | Allowance(1) |  |  | Investment |
Mortgage loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Single-family: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
With a related allowance |  | $ | 1,333 |  |  | $ | — |  |  | $ | 1,333 |  |  | $ | (185 | ) |  | $ | 1,148 |
Without a related allowance(2) |  |  | 5,569 |  |  |  | (724 | ) |  |  | 4,845 |  |  |  | — |  |  |  | 4,845 |
Total single-family |  |  | 6,902 |  |  |  | (724 | ) |  |  | 6,178 |  |  |  | (185 | ) |  |  | 5,993 |
Commercial business loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
With a related allowance |  |  | 70 |  |  |  | — |  |  |  | 70 |  |  |  | (6 | ) |  |  | 64 |
Total commercial business loans |  |  | 70 |  |  |  | — |  |  |  | 70 |  |  |  | (6 | ) |  |  | 64 |
Total non-performing loans |  | $ | 6,972 |  |  | $ | (724 | ) |  | $ | 6,248 |  |  | $ | (191 | ) |  | $ | 6,057 |
| (1) | Consists of collectively and individually evaluated allowances, specifically assigned to the individual loan, and fair value credit 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.
|  | Quarter Ended September 30, |
|  | 2018 |  |  | 2017 |
|  | Average |  |  | Interest |  |  | Average |  |  | Interest |
|  | Recorded |  |  | Income |  |  | Recorded |  |  | Income |
(In Thousands) |  | Investment |  |  | Recognized |  |  | Investment |  |  | Recognized |
Without related allowances: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Mortgage loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Single-family |  | $ | 4,599 |  |  | $ | 40 |  |  | $ | 6,167 |  |  | $ | 135 |
Commercial real estate |  |  | — |  |  |  | — |  |  |  | 67 |  |  |  | 13 |
Construction |  |  | 248 |  |  |  | — |  |  |  | — |  |  |  | — |
|  |  | 4,847 |  |  |  | 40 |  |  |  | 6,234 |  |  |  | 148 |
With related allowances: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Mortgage loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Single-family |  |  | 2,071 |  |  |  | 24 |  |  |  | 1,609 |  |  |  | 11 |
Commercial business loans |  |  | 68 |  |  |  | 1 |  |  |  | 79 |  |  |  | 1 |
|  |  | 2,139 |  |  |  | 25 |  |  |  | 1,688 |  |  |  | 12 |
Total |  | $ | 6,986 |  |  | $ | 65 |  |  | $ | 7,922 |  |  | $ | 160 |
Schedule of troubled debt restructurings by nonaccrual versus accrual status |
|  | At |  |  | At |
(In Thousands) |  | September 30, 2018 |  |  | June 30, 2018 |
Restructured loans on non-accrual status: |  |  |  |  |  |  |  |
Mortgage loans: |  |  |  |  |  |  |  |
Single-family |  | $ | 3,280 |  |  | $ | 3,328 |
Commercial business loans |  |  | 64 |  |  |  | 64 |
Total |  |  | 3,344 |  |  |  | 3,392 |
Restructured loans on accrual status: |  |  |  |  |  |  |  |
Mortgage loans: |  |  |  |  |  |  |  |
Single-family |  |  | 1,425 |  |  |  | 1,788 |
Total |  |  | 1,425 |  |  |  | 1,788 |
Total restructured loans |  | $ | 4,769 |  |  | $ | 5,180 |
Schedule of recorded investment in restructured loans |
|  | At September 30, 2018 |
|  | Unpaid |  |  |  |  |  |  |  |  |  |  |  | Net |
|  | Principal |  |  | Related |  |  | Recorded |  |  |  |  |  | Recorded |
(In Thousands) |  | Balance |  |  | Charge-offs |  |  | Investment |  |  | Allowance(1) |  |  | Investment |
Mortgage loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Single-family: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
With a related allowance |  | $ | 2,221 |  |  | $ | — |  |  | $ | 2,221 |  |  | $ | (125 | ) |  | $ | 2,096 |
Without a related allowance(2) |  |  | 3,015 |  |  |  | (406 | ) |  |  | 2,609 |  |  |  | — |  |  |  | 2,609 |
Total single-family |  |  | 5,236 |  |  |  | (406 | ) |  |  | 4,830 |  |  |  | (125 | ) |  |  | 4,705 |
Commercial business loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
With a related allowance |  |  | 68 |  |  |  | — |  |  |  | 68 |  |  |  | (4 | ) |  |  | 64 |
Total commercial business loans |  |  | 68 |  |  |  | — |  |  |  | 68 |  |  |  | (4 | ) |  |  | 64 |
Total restructured loans |  | $ | 5,304 |  |  | $ | (406 | ) |  | $ | 4,898 |  |  | $ | (129 | ) |  | $ | 4,769 |
(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, 2018 |
|  | Unpaid |  |  |  |  |  |  |  |  |  |  |  | Net |
|  | Principal |  |  | Related |  |  | Recorded |  |  |  |  |  | Recorded |
(In Thousands) |  | Balance |  |  | Charge-offs |  |  | Investment |  |  | Allowance(1) |  |  | Investment |
Mortgage loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Single-family |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
With a related allowance |  | $ | 2,228 |  |  | $ | — |  |  | $ | 2,228 |  |  | $ | (151 | ) |  | $ | 2,077 |
Without a related allowance(2) |  |  | 3,450 |  |  |  | (411 | ) |  |  | 3,039 |  |  |  | — |  |  |  | 3,039 |
Total single-family |  |  | 5,678 |  |  |  | (411 | ) |  |  | 5,267 |  |  |  | (151 | ) |  |  | 5,116 |
Commercial business loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
With a related allowance |  |  | 70 |  |  |  | — |  |  |  | 70 |  |  |  | (6 | ) |  |  | 64 |
Total commercial business loans |  |  | 70 |  |  |  | — |  |  |  | 70 |  |  |  | (6 | ) |  |  | 64 |
Total restructured loans |  | $ | 5,748 |  |  | $ | (411 | ) |  | $ | 5,337 |  |  | $ | (157 | ) |  | $ | 5,180 |
(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.

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