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Loans Held For Investment (Tables) | 6 Months Ended
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Dec. 31, 2018
Loans and Leases Receivable Disclosure [Abstract] |
Schedule of loans held for investment |
(In Thousands) | December 31, 2018 |  |  | June 30, 2018 |
Mortgage loans: |  |  |  |  |  |
Single-family |  | $ | 312,499 |  |  | $ | 314,808 |
Multi-family |  |  | 447,033 |  |  |  | 476,008 |
Commercial real estate |  |  | 112,830 |  |  |  | 109,726 |
Construction (1) |  |  | 3,986 |  |  |  | 3,174 |
Other |  |  | 167 |  |  |  | 167 |
Commercial business loans (2) |  |  | 455 |  |  |  | 500 |
Consumer loans (3) |  |  | 103 |  |  |  | 109 |
Total loans held for investment, gross |  |  | 877,073 |  |  |  | 904,492 |
Advance payments of escrows |  |  | 95 |  |  |  | 18 |
Deferred loan costs, net |  |  | 5,306 |  |  |  | 5,560 |
Allowance for loan losses |  |  | (7,061 | ) |  |  | (7,385 | )
Total loans held for investment, net |  | $ | 875,413 |  |  | $ | 902,685 |
(1) | Net of $5.7 million and $4.3 million of undisbursed loan funds as of December 31, 2018 and June 30, 2018, respectively
(2) | Net of $1.5 million and $495 of undisbursed lines of credit as of December 31, 2018 and June 30, 2018, respectively.
(3) | Net of $487 and $503 of undisbursed lines of credit as of December 31, 2018 and June 30, 2018, respectively.
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 |  | $ | 105,981 |  |  | $ | 31,216 |  |  | $ | 100,552 |  |  | $ | 63,034 |  |  | $ | 11,716 |  |  | $ | 312,499 |
Multi-family |  |  | 129,858 |  |  |  | 162,154 |  |  |  | 142,177 |  |  |  | 12,642 |  |  |  | 202 |  |  |  | 447,033 |
Commercial real estate |  |  | 41,376 |  |  |  | 35,953 |  |  |  | 35,008 |  |  |  | — |  |  |  | 493 |  |  |  | 112,830 |
Construction |  |  | 2,600 |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 1,386 |  |  |  | 3,986 |
Other |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 167 |  |  |  | 167 |
Commercial business loans |  |  | 57 |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 398 |  |  |  | 455 |
Consumer loans |  |  | 103 |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 103 |
Total loans held for investment, gross |  | $ | 279,975 |  |  | $ | 229,323 |  |  | $ | 277,737 |  |  | $ | 75,676 |  |  | $ | 14,362 |  |  | $ | 877,073 |
Schedule of gross loans held for investment by loan types and risk category |
|  | December 31, 2018 |
(In Thousands) |  | Single- family |  |  | Multi- family |  |  | Commercial Real Estate |  |  | Construction |  |  | Other Mortgage |  |  | Commercial Business |  |  | Consumer |  |  | Total |
Pass |  | $ | 303,973 |  |  | $ | 443,127 |  |  | $ | 122,830 |  |  | $ | 3,241 |  |  | $ | 167 |  |  | $ | 399 |  |  | $ | 103 |  |  | $ | 863,80 |
Special Mention |  |  | 1,400 |  |  |  | 3,906 |  |  |  | — |  |  |  | — |  |  |  |  |  |  |  | — |  |  |  | — |  |  |  | 5,306 |
Substandard |  |  | 7,126 |  |  |  | — |  |  |  | — |  |  |  | 745 |  |  |  | — |  |  |  | 56 |  |  |  | — |  |  |  | 7,927 |
Total loans held for investment, gross |  | $ | 312,499 |  |  | $ | 447,033 |  |  | $ | 112,830 |  |  | $ | 3,986 |  |  | $ | 167 |  |  | $ | 455 |  |  | $ | 103 |  |  | $ | 877,073 |
| 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 |  |  | $ | 3,174 |  |  | $ | 167 |  |  | $ | 430 |  |  | $ | 109 |  |  | $ | 889,346 |
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 |  |  | $ | 3,174 |  |  | $ | 167 |  |  | $ | 500 |  |  | $ | 109 |  |  | $ | 904,492 |
Schedule of allowance for loan losses |
(In Thousands) | December 31, 2018 | June 30, 2018 |
Collectively evaluated for impairment: |  |  |  |  |  |
Mortgage loans: |  |  |  |  |  |
Single-family |  | $ | 2,520 |  |  | $ | 2,632 |
Multi-family |  |  | 3,280 |  |  |  | 3,492 |
Commercial real estate |  |  | 1,019 |  |  |  | 1,030 |
Construction |  |  | 48 |  |  |  | 47 |
Other |  |  | 3 |  |  |  | 3 |
Commercial business loans |  |  | 17 |  |  |  | 18 |
Consumer loans |  |  | 6 |  |  |  | 6 |
Total collectively evaluated allowance |  |  | 6,893 |  |  |  | 7,228 |
Individually evaluated for impairment: |  |  |  |  |  |  |  |
Mortgage loans: |  |  |  |  |  |  |  |
Single-family |  |  | 159 |  |  |  | 151 |
Commercial business loans |  |  | 9 |  |  |  | 6 |
Total individually evaluated allowance |  |  | 168 |  |  |  | 157 |
Total loan loss allowance |  | $ | 7,061 |  |  | $ | 7,385 |
|  | For the Quarters Ended December 31, |  |  | For the Six Months Ended December 31, |
(Dollars in Thousands) |  | 2018 |  |  | 2017 |  |  | 2018 |  |  | 2017 |
Allowance at beginning of period |  | $ | 7,155 |  |  | $ | 8,063 |  |  | $ | 7,385 |  |  | $ | 8,039 |
(Recovery) provision for loan losses |  |  | (217 | ) |  |  | (11 | ) |  |  | (454 | ) |  |  | 158 |
Recoveries: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Mortgage loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Single-family |  |  | 123 |  |  |  | 48 |  |  |  | 155 |  |  |  | 132 |
Consumer loans |  |  | — |  |  |  | — |  |  |  | 1 |  |  |  | — |
Total recoveries |  |  | 123 |  |  |  | 48 |  |  |  | 156 |  |  |  | 132 |
Charge-offs: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Mortgage loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Single-family |  |  | — |  |  |  | (25 | ) |  |  | (25 | ) |  |  | (254 | )
Consumer loans |  |  | — |  |  |  | — |  |  |  | (1 | ) |  |  | — |
Total charge-offs |  |  | — |  |  |  | (25 | ) |  |  | (26 | ) |  |  | (254 | )
Net recoveries (charge-offs) |  |  | 123 |  |  |  | 23 |  |  |  | 130 |  |  |  | (122 | )
Balance at end of period |  | $ | 7,061 |  |  | $ | 8,075 |  |  | $ | 7,061 |  |  | $ | 8,075 |
Allowance for loan losses as a percentage of gross loans held for investment at the end of the period |  |  | 0.80 | % |  |  | 0.90 | % |  |  | 0.80 | % |  |  | 0.90 | %
Net (recoveries) charge-offs as a percentage of average loans receivable, net, during the period (annualized) |  |  | (0.05 | )% |  |  | (0.01 | )% |  |  | (0.03 | )% |  |  | 0.02 | %
Schedule of past due status of gross loans held for investment, net of fair value adjustments |
|  | December 31, 2018 |
(In Thousands) |  | Current |  |  | 30-89 Days Past Due |  | Non-Accrual (1) | Total Loans Held for Investment, Gross
Mortgage loans: |  |  |  |  |  |  |  |  |  |  |  |
Single-family |  | $ | 306,873 |  |  | $ | — |  |  | $ | 5,626 |  |  | $ | 312,499 |
Multi-family |  |  | 447,033 |  |  |  | — |  |  |  | — |  |  |  | 447,033 |
Commercial real estate |  |  | 112,830 |  |  |  | — |  |  |  | — |  |  |  | 112,830 |
Construction |  |  | 3,241 |  |  |  | — |  |  |  | 745 |  |  |  | 3,986 |
Other |  |  | 167 |  |  |  | — |  |  |  | — |  |  |  | 167 |
Commercial business loans |  |  | 399 |  |  |  | — |  |  |  | 56 |  |  |  | 455 |
Consumer loans |  |  | 101 |  |  |  | 2 |  |  |  | — |  |  |  | 103 |
Total loans held for investment, gross |  | $ | 870,644 |  |  | $ | 2 |  |  | $ | 6,427 |  |  | $ | 877,073 |
(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 |  |  | 3,174 |  |  |  | — |  |  |  | — |  |  |  | 3,174 |
Other |  |  | 167 |  |  |  | — |  |  |  | — |  |  |  | 167 |
Commercial business loans |  |  | 430 |  |  |  | — |  |  |  | 70 |  |  |  | 500 |
Consumer loans |  |  | 108 |  |  |  | 1 |  |  |  | — |  |  |  | 109 |
Total loans held for investment, gross |  | $ | 897,476 |  |  | $ | 805 |  |  | $ | 6,211 |  |  | $ | 904,492 |
(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 December 31, 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 |  | $ | 2,741 |  |  | $ | 3,336 |  |  | $ | 1,012 |  |  | $ | 38 |  |  | $ | 3 |  |  | $ | 19 |  |  | $ | 6 |  |  | $ | 7,155 |
(Recovery) provision for loan losses |  |  | (185 | ) |  |  | (56 | ) |  |  | 7 |  |  |  | 10 |  |  |  | — |  |  |  | 7 |  |  |  | — |  |  |  | (217 | )
Recoveries |  |  | 123 |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 123 |
Charge-offs |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Allowance for loan losses, end of period |  | $ | 2,679 |  |  | $ | 3,280 |  |  | $ | 1,019 |  |  | $ | 48 |  |  | $ | 3 |  |  | $ | 26 |  |  | $ | 6 |  |  | $ | 7,061 |
Allowance for loan losses: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Individually evaluated for impairment |  | $ | 159 |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | 9 |  |  | $ | — |  |  | $ | 168 |
Collectively evaluated for impairment |  |  | 2,520 |  |  |  | 3,280 |  |  |  | 1,019 |  |  |  | 48 |  |  |  | 3 |  |  |  | 17 |  |  |  | 6 |  |  |  | 6,893 |
Allowance for loan losses, end of period |  | $ | 2,679 |  |  | $ | 3,280 |  |  | $ | 1,019 |  |  | $ | 48 |  |  | $ | 3 |  |  | $ | 26 |  |  | $ | 6 |  |  | $ | 7,061 |
Loans held for investment: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Individually evaluated for impairment |  | $ | 5,817 |  |  | $ | — |  |  | $ | — |  |  | $ | 745 |  |  | $ | — |  |  | $ | 56 |  |  | $ | — |  |  | $ | 6,618 |
Collectively evaluated for impairment |  |  | 306,682 |  |  |  | 447,033 |  |  |  | 112,830 |  |  |  | 3,241 |  |  |  | 167 |  |  |  | 399 |  |  |  | 103 |  |  |  | 870,455 |
Total loans held for investment, gross |  | $ | 312,499 |  |  | $ | 447,033 |  |  | $ | 112,830 |  |  | $ | 3,986 |  |  | $ | 167 |  |  | $ | 455 |  |  | $ | 103 |  |  | $ | 877,073 |
Allowance for loan losses as a percentage of gross loans held for investment |  |  | 0.86 | % |  |  | 0.73 | % |  |  | 0.90 | % |  |  | 1.20 | % |  |  | 1.80 | % |  |  | 5.71 | % |  |  | 5.83 | % |  |  | 0.80 | %
|  | 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 |  |  |  | 7,072 |  |  |  | 402 |  |  |  | 144 |  |  |  | 881,569 |
Total loans held for investment, gross |  | $ | 313,837 |  |  | $ | 463,786 |  |  | $ | 103,366 |  |  | $ | 7,072 |  |  | $ | 478 |  |  | $ | 144 |  |  | $ | 888,683 |
Allowance for loan losses as a percentage of gross loans held for investment |  |  | 1.05 | % |  |  | 0.71 | % |  |  | 0.90 | % |  |  | 7.13 | % |  |  | 6.69 | % |  |  | 5.56 | % |  |  | 0.90 | %
|  | Six Months Ended December 31, 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) provision for loan losses |  |  | (234 | ) |  |  | (212 | ) |  |  | (11 | ) |  |  | 1 |  |  |  | — |  |  |  | 2 |  |  |  | — |  |  |  | (454 | )
Recoveries |  |  | 155 |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 1 |  |  |  | 156 |
Charge-offs |  |  | (25 | ) |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | (1 | ) |  |  | (26 | )
Allowance for loan losses, end of period |  | $ | 2,679 |  |  | $ | 3,280 |  |  | $ | 1,019 |  |  | $ | 48 |  |  | $ | $ 3 |  |  | $ | 26 |  |  | $ | 6 |  |  | $ | 7,061 |
Allowance for loan losses: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Individually evaluated for impairment |  | $ | 159 |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | $ — |  |  | $ | 9 |  |  | $ | — |  |  | $ | 168 |
Collectively evaluated for impairment |  |  | 2,520 |  |  |  | 3,280 |  |  |  | 1,019 |  |  |  | 48 |  |  |  | 3 |  |  |  | 17 |  |  |  | 6 |  |  |  | 6,893 |
Allowance for loan losses, end of period |  | $ | 2,679 |  |  | $ | 3,280 |  |  | $ | 1,019 |  |  | $ | 48 |  |  | $ | $ 3 |  |  | $ | 26 |  |  | $ | 6 |  |  | $ | 7,061 |
Loans held for investment: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Individually evaluated for impairment |  | $ | 5,817 |  |  | $ | — |  |  | $ | — |  |  | $ | 745 |  |  | $ | $ — |  |  | $ | 56 |  |  | $ | — |  |  | $ | 6,618 |
Collectively evaluated for impairment |  |  | 306,682 |  |  |  | 447,033 |  |  |  | 112,830 |  |  |  | 3,241 |  |  |  | 167 |  |  |  | 399 |  |  |  | 103 |  |  |  | 870,455 |
Total loans held for investment, gross |  | $ | 312,499 |  |  | $ | 447,033 |  |  | $ | 112,830 |  |  | $ | 3,986 |  |  | $ | 167 |  |  | $ | 455 |  |  | $ | 103 |  |  | $ | 877,073 |
Allowance for loan losses as a percentage of gross loans held for investment |  |  | 0.86 | % |  |  | 0.73 | % |  |  | 0.90 | % |  |  | 1.20 | % |  |  | 1.80 | % |  |  | 5.71 | % |  |  | 5.83 | % |  |  | 0.80 | %
|  | 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 |  |  |  | 7,072 |  |  |  | 402 |  |  |  | 144 |  |  |  | 881,569 |
Total loans held for investment, gross |  | $ | 313,837 |  |  | $ | 463,786 |  |  | $ | 103,366 |  |  | $ | 7,072 |  |  | $ | 478 |  |  | $ | 144 |  |  | $ | 888,683 |
Allowance for loan losses as a percentage of gross loans held for investment |  |  | 1.05 | % |  |  | 0.71 | % |  |  | 0.90 | % |  |  | 7.13 | % |  |  | 6.69 | % |  |  | 5.56 | % |  |  | 0.90 | %
Schedule of recorded investment in non-performing loans |
|  | At December 31, 2018 |
|  | Unpaid |  |  |  |  |  |  |  |  |  |  |  | Net |
|  | Principal |  |  | Related |  |  | Recorded |  |  |  |  |  | Recorded |
(In Thousands) |  | Balance |  |  | Charge-offs |  |  | Investment |  |  | Allowance (1) |  |  | Investment |
Mortgage loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Single-family: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
With a related allowance |  | $ | 2,856 |  |  | $ | — |  |  | $ | 2,856 |  |  | $ | (393 | ) |  | $ | 2,463 |
Without a related allowance (2) |  |  | 3,368 |  |  |  | (561 | ) |  |  | 2,807 |  |  |  | — |  |  |  | 2,807 |
Total single-family |  |  | 6,224 |  |  |  | (561 | ) |  |  | 5,663 |  |  |  | (393 | ) |  |  | 5,270 |
Construction: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Without a related allowance (3) |  |  | 745 |  |  |  | — |  |  |  | 745 |  |  |  | — |  |  |  | 745 |
Total construction |  |  | 745 |  |  |  | — |  |  |  | 745 |  |  |  | — |  |  |  | 745 |
Commercial business loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
With a related allowance |  |  | 56 |  |  |  | — |  |  |  | 56 |  |  |  | (9 | ) |  |  | 47 |
Total commercial business loans |  |  | 56 |  |  |  | — |  |  |  | 56 |  |  |  | (9 | ) |  |  | 47 |
Total non-performing loans |  | $ | 7,025 |  |  | $ | (561 | ) |  | $ | 6,464 |  |  | $ | (402 | ) |  | $ | 6,062 |
(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 December 31, |
|  | 2018 |  |  | 2017 |
|  | Average |  |  | Interest |  |  | Average |  |  | Interest |
|  | Recorded |  |  | Income |  |  | Recorded |  |  | Income |
(In Thousands) |  | Investment |  |  | Recognized |  |  | Investment |  |  | Recognized |
Without related allowances: |  |  |  |  |  |  |  |  |  |  |  |
Mortgage loans: |  |  |  |  |  |  |  |  |  |  |  |
Single-family |  | $ | 3,326 |  |  | $ | 189 |  |  | $ | 7,301 |  |  | $ | — |
Construction |  |  | 745 |  |  |  | — |  |  |  | — |  |  |  | — |
|  |  | 4,071 |  |  |  | 189 |  |  |  | 7,301 |  |  |  | — |
With related allowances: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Mortgage loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Single-family |  |  | 2,487 |  |  |  | 36 |  |  |  | 786 |  |  |  | 8 |
Commercial business loans |  |  | 60 |  |  |  | 1 |  |  |  | 76 |  |  |  | 2 |
|  |  | 2,547 |  |  |  | 37 |  |  |  | 862 |  |  |  | 10 |
Total |  | $ | 6,618 |  |  | $ | 226 |  |  | $ | 8,163 |  |  | $ | 10 |
|  | Six Months Ended December 31, |
|  | 2018 |  |  | 2017 |
|  | Average |  |  | Interest |  |  | Average |  |  | Interest |
|  | Recorded |  |  | Income |  |  | Recorded |  |  | Income |
(In Thousands) |  | Investment |  |  | Recognized |  |  | Investment |  |  | Recognized |
Without related allowances: |  |  |  |  |  |  |  |  |  |  |  |
Mortgage loans: |  |  |  |  |  |  |  |  |  |  |  |
Single-family |  | $ | 3,963 |  |  | $ | 229 |  |  | $ | 7,659 |  |  | $ | 135 |
Commercial real estate |  |  | — |  |  |  | — |  |  |  | 34 |  |  |  | 13 |
Construction |  |  | 496 |  |  |  | — |  |  |  | — |  |  |  | 496 |
|  |  | 4,459 |  |  |  | 229 |  |  |  | 7,693 |  |  |  | 148 |
With related allowances: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Mortgage loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Single-family |  |  | 2,279 |  |  |  | 60 |  |  |  | 608 |  |  |  | 19 |
Commercial business loans |  |  | 64 |  |  |  | 2 |  |  |  | 77 |  |  |  | 3 |
|  |  | 2,343 |  |  |  | 62 |  |  |  | 685 |  |  |  | 22 |
Total |  | $ | 6,802 |  |  | $ | 291 |  |  | $ | 8,378 |  |  | $ | 170 |
Schedule of troubled debt restructurings by nonaccrual versus accrual status |
|  | At |  |  | At |
(In Thousands) | December 31, 2018 |  | June 30, 2018
Restructured loans on non-accrual status: |  |  |  |  |  |
Mortgage loans: |  |  |  |  |  |
Single-family |  | $ | 2,698 |  |  | $ | 3,328 |
Commercial business loans |  |  | 47 |  |  |  | 64 |
Total |  |  | 2,745 |  |  |  | 3,392 |
Restructured loans on accrual status: |  |  |  |  |  |  |  |
Mortgage loans: |  |  |  |  |  |  |  |
Single-family |  |  | 1,425 |  |  |  | 1,788 |
Total |  |  | 1,425 |  |  |  | 1,788 |
Total restructured loans |  | $ | 4,170 |  |  | $ | 5,180 |
Schedule of recorded investment in restructured loans |
|  | At December 31, 2018 |
|  | Unpaid |  |  |  |  |  |  |  |  |  |  |  | Net |
|  | Principal |  |  | Related |  |  | Recorded |  |  |  |  |  | Recorded |
(In Thousands) |  | Balance |  |  | Charge-offs |  |  | Investment |  |  | Allowance (1) |  |  | Investment |
Mortgage loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Single-family: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
With a related allowance |  | $ | 2,214 |  |  | $ | — |  |  | $ | 2,214 |  |  | $ | (124 | ) |  | $ | 2,090 |
Without a related allowance (2) |  |  | 2,407 |  |  |  | (374 | ) |  |  | 2,033 |  |  |  | — |  |  |  | 2,033 |
Total single-family |  |  | 4,621 |  |  |  | (374 | ) |  |  | 4,247 |  |  |  | (124 | ) |  |  | 4,123 |
Commercial business loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
With a related allowance |  |  | 56 |  |  |  | — |  |  |  | 56 |  |  |  | (9 | ) |  |  | 47 |
Total commercial business loans |  |  | 56 |  |  |  | — |  |  |  | 56 |  |  |  | (9 | ) |  |  | 47 |
Total restructured loans |  | $ | 4,677 |  |  | $ | (374 | ) |  | $ | 4,303 |  |  | $ | (133 | ) |  | $ | 4,170 |
(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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