
	Adjustable Rate
			After		After		After
		Within	One Year		3 Years		5 Years
(In Thousands)	One Year		Through 3 Years		Through 5 Years		Through 10 Years		Fixed Rate		Total
Mortgage loans:
Single-family	$	50,760	$	34,955	$	32,562	$	111,285	$	60,683	$	290,245
Multi-family		150,217		119,331		159,947		36,776		196		466,467
Commercial real estate		46,711		30,561		13,964		—		—		91,236
Construction		2,888		—		—		—		613		3,501
Other		—		—		—		—		134		134
Commercial business loans		19		—		—		—		343		362
Consumer loans		78		—		—		—		—		78
Total loans held for investment, gross	$	250,673	$	184,847	$	206,473	$	148,061	$	61,969	$	852,023

The following table is provided to disclose additional details for the periods indicated on the Corporation’s allowance for loan losses:


	For the Quarter Ended						For the Six Months Ended
	December 31,						December 31,
(Dollars in Thousands)	2021			2020			2021			2020

Allowance at beginning of period	$	7,413		$	8,490		$	7,587		$	8,265

(Recovery) provision for loan losses		(1,067)			39			(1,406)			259

Recoveries:
Mortgage loans:
Single-family		262			9			427			14
Consumer loans		—			1			—			1
Total recoveries		262			10			427			15

Charge-offs:
Consumer loans		—			(1)			—			(1)
Total charge-offs		—			(1)			—			(1)

Net recoveries (charge-offs)		262			9			427			14
Balance at end of period	$	6,608		$	8,538		$	6,608		$	8,538

Allowance for loan losses as a percentage of gross loans held for investment at the end of the period		0.77	%		0.99	%		0.77	%		0.99	%
Net (recoveries) charge-offs as a percentage of average loans receivable, net, during the period (annualized)		(0.12)	%		(0.00)	%		(0.10)	%		(0.00)	%


	Quarter Ended December 31, 2021
	Single-			Multi-			Commercial									Commercial
(In Thousands)	family			family			Real Estate			Construction			Other			Business			Consumer			Total
Allowance for loan losses:
Allowance at beginning of period	$	1,827		$	4,525		$	967		$	49		$	3		$	37		$	5		$	7,413
(Recovery) provision for loan losses		(693)			(306)			(52)			6			—			(22)			—			(1,067)
Recoveries		262			—			—			—			—			—			—			262
Charge-offs		—			—			—			—			—			—			—			—
Allowance for loan losses, end of period	$	1,396		$	4,219		$	915		$	55		$	3		$	15		$	5		$	6,608

Allowance for loan losses:
Individually evaluated for impairment	$	52		$	—		$	—		$	—		$	—		$	—		$	—		$	52
Collectively evaluated for impairment		1,344			4,219			915			55			3			15			5			6,556
Allowance for loan losses, end of period	$	1,396		$	4,219		$	915		$	55		$	3		$	15		$	5		$	6,608

Loans held for investment:
Individually evaluated for impairment	$	1,583		$	—		$	—		$	—		$	—		$	—		$	—		$	1,583
Collectively evaluated for impairment		288,662			466,467			91,236			3,501			134			362			78			850,440
Total loans held for investment, gross	$	290,245		$	466,467		$	91,236		$	3,501		$	134		$	362		$	78		$	852,023
Allowance for loan losses as a percentage of gross loans held for investment		0.48	%		0.90	%		1.00	%		1.57	%		2.24	%		4.14	%		6.41	%		0.77	%


	Quarter Ended December 31, 2020
	Single-			Multi-			Commercial									Commercial
(In Thousands)	family			family			Real Estate			Construction				Other		Business			Consumer			Total
Allowance for loan losses:
Allowance at beginning of period	$	2,671		$	4,490		$	1,162		$	116		$	3		$	42		$	6		$	8,490
Provision (recovery) for loan losses		26			50			(30)			(6)			—			(1)			—			39
Recoveries		9			—			—			—			—			—			1			10
Charge-offs		—			—			—			—			—			—			(1)			(1)
Allowance for loan losses, end of period	$	2,706		$	4,540		$	1,132		$	110		$	3		$	41		$	6		$	8,538

Allowance for loan losses:
Individually evaluated for impairment	$	570		$	—		$	—		$	—		$	—		$	—		$	—		$	570
Collectively evaluated for impairment		2,136			4,540			1,132			110			3			41			6			7,968
Allowance for loan losses, end of period	$	2,706		$	4,540		$	1,132		$	110		$	3		$	41		$	6		$	8,538

Loans held for investment:
Individually evaluated for impairment	$	9,237		$	—		$	—		$	—		$	—		$	—		$	—		$	9,237
Collectively evaluated for impairment		248,627			488,412			102,551			7,135			141			882			95			847,843
Total loans held for investment, gross	$	257,864		$	488,412		$	102,551		$	7,135		$	141		$	882		$	95		$	857,080
Allowance for loan losses as a percentage of gross loans held for investment		1.05	%		0.93	%		1.10	%		1.54	%		2.13	%		4.65	%		6.32	%		0.99	%


	Six Months Ended December 31, 2021
							Commercial									Commercial
(In Thousands)	Single-family			Multi-family			Real Estate			Construction			Other			Business			Consumer			Total

Allowance at beginning of period	$	2,000		$	4,485		$	1,006		$	51		$	3		$	36		$	6		$	7,587
(Recovery) provision for loan losses		(1,031)			(266)			(91)			4			—			(21)			(1)			(1,406)
Recoveries		427			—			—			—			—			—			—			427
Charge-offs		—			—			—			—			—			—			—			—
Allowance for loan losses, end of period	$	1,396		$	4,219		$	915		$	55		$	3		$	15		$	5		$	6,608

Allowance:
Individually evaluated for impairment	$	52		$	—		$	—		$	—		$	—		$	—		$	—		$	52
Collectively evaluated for impairment		1,344			4,219			915			55			3			15			5			6,556
Allowance for loan losses, end of period	$	1,396		$	4,219		$	915		$	55		$	3		$	15		$	5		$	6,608

Gross Loans:
Individually evaluated for impairment	$	1,583		$	—		$	—		$	—		$	—		$	—		$	—		$	1,583
Collectively evaluated for impairment		288,662			466,467			91,236			3,501			134			362			78			850,440
Total loans held for investment, gross	$	290,245		$	466,467		$	91,236		$	3,501		$	134		$	362		$	78		$	852,023
Allowance for loan losses as a percentage of gross loans held for investment		0.48	%		0.90	%		1.00	%		1.57	%		2.24	%		4.14	%		6.41	%		0.77	%


	Six Months Ended December 31, 2020
							Commercial									Commercial
(In Thousands)	Single-family			Multi-family			Real Estate			Construction			Other			Business			Consumer			Total

Allowance at beginning of period	$	2,622		$	4,329		$	1,110		$	171		$	3		$	24		$	6		$	8,265
(Recovery) provision for loan losses		70			211			22			(61)			—			17			—			259
Recoveries		14			—			—			—			—			—			1			15
Charge-offs		—			—			—			—			—			—			(1)			(1)
Allowance for loan losses, end of period	$	2,706		$	4,540		$	1,132		$	110		$	3		$	41		$	6		$	8,538

Allowance:
Individually evaluated for impairment	$	570		$	—		$	—		$	—		$	—		$	—		$	—		$	570
Collectively evaluated for impairment		2,136			4,540			1,132			110			3			41			6			7,968
Allowance for loan losses, end of period	$	2,706		$	4,540		$	1,132		$	110		$	3		$	41		$	6		$	8,538

Gross Loans:
Individually evaluated for impairment	$	9,237		$	—		$	—		$	—		$	—		$	—		$	—		$	9,237
Collectively evaluated for impairment		248,627			488,412			102,551			7,135			141			882			95			847,843
Total loans held for investment, gross	$	257,864		$	488,412		$	102,551		$	7,135		$	141		$	882		$	95		$	857,080
Allowance for loan losses as a percentage of gross loans held for investment		1.05	%		0.93	%		1.10	%		1.54	%		2.13	%		4.65	%		6.32	%		0.99	%


	At		At
(In Thousands)	December 31, 2021		June 30, 2021
Restructured loans on non-accrual status:
Mortgage loans:
Single-family	$	980	$	6,983
Total		980		6,983

Restructured loans on accrual status:
Mortgage loans:
Single-family		5,774		876
Total		5,774		876
Total restructured loans	$	6,754	$	7,859