
	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	$	50,516	$	29,988	$	34,004	$	136,918	$	76,235	$	327,661
Multi-family		140,937		121,629		159,307		46,599		184		468,656
Commercial real estate		51,235		23,457		16,652		—		—		91,344
Construction		3,293		—		—		—		834		4,127
Other		—		—		—		—		131		131
Commercial business loans		119		—		—		—		340		459
Consumer loans		73		—		—		—		—		73
Total loans held for investment, gross	$	246,173	$	175,074	$	209,963	$	183,517	$	77,724	$	892,451

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 Nine Months Ended
	March 31,						March 31,
(Dollars in Thousands)	2022			2021			2022			2021

Allowance at beginning of period	$	6,608		$	8,538		$	7,587		$	8,265

(Recovery) provision for loan losses		(645)			(200)			(2,051)			59

Recoveries:
Mortgage loans:
Single-family		6			9			433			23
Consumer loans		—			—			—			1
Total recoveries		6			9			433			24

Charge-offs:
Consumer loans		—			(1)			—			(2)
Total charge-offs		—			(1)			—			(2)

Net recoveries (charge-offs)		6			8			433			22
Balance at end of period	$	5,969		$	8,346		$	5,969		$	8,346

Allowance for loan losses as a percentage of gross loans held for investment at the end of the period		0.66	%		0.98	%		0.66	%		0.98	%
Net (recoveries) charge-offs as a percentage of average loans receivable, net, during the period (annualized)		(0.00)	%		(0.00)	%		(0.07)	%		(0.00)	%


	Quarter Ended March 31, 2022
	Single-			Multi-			Commercial									Commercial
(In Thousands)	family			family			Real Estate			Construction			Other			Business			Consumer			Total
Allowance for loan losses:
Allowance at beginning of period	$	1,396		$	4,219		$	915		$	55		$	3		$	15		$	5		$	6,608
(Recovery) provision for loan losses		(64)			(544)			(45)			4			—			5			(1)			(645)
Recoveries		6			—			—			—			—			—			—			6
Charge-offs		—			—			—			—			—			—			—			—
Allowance for loan losses, end of period	$	1,338		$	3,675		$	870		$	59		$	3		$	20		$	4		$	5,969

Allowance for loan losses:
Individually evaluated for impairment	$	51		$	—		$	—		$	—		$	—		$	—		$	—		$	51
Collectively evaluated for impairment		1,287			3,675			870			59			3			20			4			5,918
Allowance for loan losses, end of period	$	1,338		$	3,675		$	870		$	59		$	3		$	20		$	4		$	5,969

Loans held for investment:
Individually evaluated for impairment	$	1,549		$	—		$	—		$	—		$	—		$	—		$	—		$	1,549
Collectively evaluated for impairment		326,112			468,656			91,344			4,127			131			459			73			890,902
Total loans held for investment, gross	$	327,661		$	468,656		$	91,344		$	4,127		$	131		$	459		$	73		$	892,451
Allowance for loan losses as a percentage of gross loans held for investment		0.41	%		0.78	%		0.95	%		1.43	%		2.29	%		4.36	%		5.48	%		0.66	%


	Quarter Ended March 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	$	2,706		$	4,540		$	1,132		$	110		$	3		$	41		$	6		$	8,538
Provision (recovery) for loan losses		(311)			202			(30)			(57)			—			(5)			1			(200)
Recoveries		9			—			—			—			—			—			—			9
Charge-offs		—			—			—			—			—			—			(1)			(1)
Allowance for loan losses, end of period	$	2,404		$	4,742		$	1,102		$	53		$	3		$	36		$	6		$	8,346

Allowance for loan losses:
Individually evaluated for impairment	$	572		$	—		$	—		$	—		$	—		$	—		$	—		$	572
Collectively evaluated for impairment		1,832			4,742			1,102			53			3			36			6			7,774
Allowance for loan losses, end of period	$	2,404		$	4,742		$	1,102		$	53		$	3		$	36		$	6		$	8,346

Loans held for investment:
Individually evaluated for impairment	$	9,343		$	—		$	—		$	—		$	—		$	—		$	—		$	9,343
Collectively evaluated for impairment		245,050			483,283			99,722			3,508			140			851			96			832,650
Total loans held for investment, gross	$	254,393		$	483,283		$	99,722		$	3,508		$	140		$	851		$	96		$	841,993
Allowance for loan losses as a percentage of gross loans held for investment		0.94	%		0.98	%		1.11	%		1.51	%		2.14	%		4.23	%		6.25	%		0.98	%


	Nine Months Ended March 31, 2022
							Commercial									Commercial
(In Thousands)	Single-family			Multi-family			Real Estate			Construction			Other			Business			Consumer			Total
Allowance for loan losses:
Allowance at beginning of period	$	2,000		$	4,485		$	1,006		$	51		$	3		$	36		$	6		$	7,587
(Recovery) provision for loan losses		(1,095)			(810)			(136)			8			—			(16)			(2)			(2,051)
Recoveries		433			—			—			—			—			—			—			433
Charge-offs		—			—			—			—			—			—			—			—
Allowance for loan losses, end of period	$	1,338		$	3,675		$	870		$	59		$	3		$	20		$	4		$	5,969

Allowance for loan losses:
Individually evaluated for impairment	$	51		$	—		$	—		$	—		$	—		$	—		$	—		$	51
Collectively evaluated for impairment		1,287			3,675			870			59			3			20			4			5,918
Allowance for loan losses, end of period	$	1,338		$	3,675		$	870		$	59		$	3		$	20		$	4		$	5,969

Loans held for investment:
Individually evaluated for impairment	$	1,549		$	—		$	—		$	—		$	—		$	—		$	—		$	1,549
Collectively evaluated for impairment		326,112			468,656			91,344			4,127			131			459			73			890,902
Total loans held for investment, gross	$	327,661		$	468,656		$	91,344		$	4,127		$	131		$	459		$	73		$	892,451
Allowance for loan losses as a percentage of gross loans held for investment		0.41	%		0.78	%		0.95	%		1.43	%		2.29	%		4.36	%		5.48	%		0.66	%


	Nine Months Ended March 31, 2021
							Commercial									Commercial
(In Thousands)	Single-family			Multi-family			Real Estate			Construction			Other			Business			Consumer			Total
Allowance for loan losses:
Allowance at beginning of period	$	2,622		$	4,329		$	1,110		$	171		$	3		$	24		$	6		$	8,265
(Recovery) provision for loan losses		(241)			413			(8)			(118)			—			12			1			59
Recoveries		23			—			—			—			—			—			1			24
Charge-offs		—			—			—			—			—			—			(2)			(2)
Allowance for loan losses, end of period	$	2,404		$	4,742		$	1,102		$	53		$	3		$	36		$	6		$	8,346

Allowance for loan losses:
Individually evaluated for impairment	$	572		$	—		$	—		$	—		$	—		$	—		$	—		$	572
Collectively evaluated for impairment		1,832			4,742			1,102			53			3			36			6			7,774
Allowance for loan losses, end of period	$	2,404		$	4,742		$	1,102		$	53		$	3		$	36		$	6		$	8,346

Loans held for investment:
Individually evaluated for impairment	$	9,343		$	—		$	—		$	—		$	—		$	—		$	—		$	9,343
Collectively evaluated for impairment		245,050			483,283			99,722			3,508			140			851			96			832,650
Total loans held for investment, gross	$	254,393		$	483,283		$	99,722		$	3,508		$	140		$	851		$	96		$	841,993
Allowance for loan losses as a percentage of gross loans held for investment		0.94	%		0.98	%		1.11	%		1.51	%		2.14	%		4.23	%		6.25	%		0.98	%


	At		At
(In Thousands)	March 31, 2022		June 30, 2021
Restructured loans on non-accrual status:
Mortgage loans:
Single-family	$	974	$	6,983
Total		974		6,983

Restructured loans on accrual status:
Mortgage loans:
Single-family		4,347		876
Total		4,347		876
Total restructured loans	$	5,321	$	7,859