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Loans Receivable Held for Investment (Tables) | 6 Months Ended
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Jun. 30, 2021
Loans Receivable Held for Investment [Abstract] |
Loans Receivable Held for Investment | Loans receivable held for investment were as follows as of the dates indicated:
|  | June 30, 2021 |  |  | December 31, 2020 |
|  | (In thousands) |
Real estate: |  |  |  |  |  |
Single family |  | $ | 53,556 |  |  | $ | 48,217 |
Multi-family |  |  | 346,192 |  |  |  | 272,387 |
Commercial real estate |  |  | 92,491 |  |  |  | 24,289 |
Church |  |  | 15,652 |  |  |  | 16,658 |
Construction |  |  | 22,677 |  |  |  | 429 |
Commercial – other |  |  | 46,973 |  |  |  | 57 |
SBA loans (1) |  |  | 40,027 |  |  |  | - |
Consumer |  |  | 73 |  |  |  | 7 |
Gross loans receivable before deferred loan costs and premiums |  |  | 617,641 |  |  |  | 362,044 |
Unamortized net deferred loan costs and premiums |  |  | 373 |  |  |  | 1,300 |
Gross loans receivable |  |  | 618,014 |  |  |  | 363,344 |
Allowance for loan losses |  |  | (3,296 | ) |  |  | (3,215 | )
Loans receivable, net |  | $ | 614,718 |  |  | $ | 360,129 |
(1) Including Paycheck Protection Program (PPP) loans.
Carrying Amount of Purchased Credit Impaired Loans | The carrying amount of those loans as of June 30, 2021, is as follows:
|  | June 30, 2021 |
|  | (In thousands) |
Real estate: |  |  |
Single family |  | $ | 534 |
Commercial real estate |  |  | 187 |
Commercial - other |  |  | 84 |
|  | $ | 805 |
Accretable yield on Purchased Credit Impaired Loans | The following table summarizes the accretable yield on the purchased credit impaired loans for the three and six months ended June 30, 2021:
|  | Three Months Ended June 30, 2021 |  |  | Six Months Ended June 30, 2021 |
|  | (In thousands) |
Balance at the beginning of the period |  | $ | - |  |  | $ | - |
Additions |  |  | 346 |  |  |  | 346 |
Accretion |  |  | (19 | ) |  |  | (19 | )
Balance at the end of the period |  | $ | 327 |  |  | $ | 327 |
Activity in Allowance for Loan Losses by Loan Type | The following tables present the activity in the allowance for loan losses by loan type for the periods indicated:
|  | Three Months Ended June 30, 2021 |
|  | Real Estate |  |  |  |  |  |  |  |  |  |  |  |  |
|  | Single family |  |  | Multi- family |  |  | Commercial real estate |  |  | Church |  |  | Construction |  |  | Commercial - other |  |  | SBA Loans |  |  | Consumer |  |  | Total |
|  | (In thousands) |  |  |  |  |  |  |
Beginning balance |  | $ | 275 |  |  | $ | 2,473 |  |  | $ | 219 |  |  | $ | 221 |  |  | $ | 22 |  |  | $ | 5 |  |  | $ | - |  |  | $ | - |  |  | $ | 3,215 |
Provision for (recapture of) loan losses |  |  | (105 | ) |  |  | 133 |  |  |  | 8 |  |  |  | (13 | ) |  |  | 59 |  |  |  | (1 | ) |  |  | - |  |  |  | - |  |  |  | 81 |
Recoveries |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |
Loans charged off |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |
Ending balance |  | $ | 170 |  |  | $ | 2,606 |  |  | $ | 227 |  |  | $ | 208 |  |  | $ | 81 |  |  | $ | 4 |  |  | $ | - |  |  | $ | - |  |  | $ | 3,296 |
|  | Three Months Ended June 30, 2020 |
|  | Real Estate |  |  |  |  |  |  |  |  |  |  |  |  |
|  | Single family |  |  | Multi- family |  |  | Commercial real estate |  |  | Church |  |  | Construction |  |  | Commercial - other |  |  | SBA Loans |  |  | Consumer |  |  | Total |
|  | (In thousands) |  |  |  |
Beginning balance |  | $ | 308 |  |  | $ | 2,408 |  |  | $ | 140 |  |  | $ | 323 |  |  | $ | 24 |  |  | $ | 7 |  |  | $ | - |  |  | $ | 1 |  |  | $ | 3,211 |
Provision for (recapture of) loan losses |  |  | - |  |  |  | 16 |  |  |  | 29 |  |  |  | (41 | ) |  |  | (2 | ) |  |  | (1 | ) |  |  | - |  |  |  | (1 | ) |  |  | - |
Recoveries |  |  | 4 |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | 4 |
Loans charged off |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |
Ending balance |  | $ | 312 |  |  | $ | 2,424 |  |  | $ | 169 |  |  | $ | 282 |  |  | $ | 22 |  |  | $ | 6 |  |  | $ | - |  |  | $ | - |  |  | $ | 3,215 |
|  | Six Months Ended June 30, 2021 |
|  | Real Estate |  |  |  |  |  |  |  |  |  |  |  |  |
|  | Single family |  |  | Multi-family |  |  | Commercial real estate |  |  | Church |  |  | Construction |  |  | Commercial - other |  |  | SBA Loans |  |  | Consumer |  |  | Total |
|  |  |  |  | (In thousands) |
Beginning balance |  | $ | 296 |  |  | $ | 2,433 |  |  | $ | 222 |  |  | $ | 237 |  |  | $ | 22 |  |  | $ | 4 |  |  | $ | - |  |  | $ | 1 |  |  | $ | 3,215 |
Provision for (recapture of) loan losses |  |  | (126 | ) |  |  | 173 |  |  |  | 5 |  |  |  | (29 | ) |  |  | 59 |  |  |  | - |  |  |  | - |  |  |  | (1 | ) |  |  | 81 |
Recoveries |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |
Loans charged off |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |
Ending balance |  | $ | 170 |  |  | $ | 2,606 |  |  | $ | 227 |  |  | $ | 208 |  |  | $ | 81 |  |  | $ | 4 |  |  | $ | - |  |  | $ | - |  |  | $ | 3,296 |
|  | Six Months Ended June 30, 2020 |
|  | Real Estate |  |  |  |  |  |  |  |  |  |  |  |  |
|  | Single family |  |  | Multi-family |  |  | Commercial real estate |  |  | Church |  |  | Construction |  |  | Commercial - other |  |  | SBA Loans |  |  | Consumer |  |  | Total |
|  |  |  |  | (In thousands) |
Beginning balance |  | $ | 312 |  |  | $ | 2,319 |  |  | $ | 133 |  |  | $ | 362 |  |  | $ | 48 |  |  | $ | 7 |  |  | $ | - |  |  | $ | 1 |  |  | $ | 3,182 |
Provision for (recapture of) loan losses |  |  | (4 | ) |  |  | 105 |  |  |  | 36 |  |  |  | (80 | ) |  |  | (26 | ) |  |  | (1 | ) |  |  | - |  |  |  | (1 | ) |  |  | 29 |
Recoveries |  |  | 4 |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | 4 |
Loans charged off |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |
Ending balance |  | $ | 312 |  |  | $ | 2,424 |  |  | $ | 169 |  |  | $ | 282 |  |  | $ | 22 |  |  | $ | 6 |  |  | $ | - |  |  | $ | - |  |  | $ | 3,215 |
Allowance for Loan Losses and Recorded Investment in Loans by Type of Loans and Based on Impairment Method | The following tables present the balance in the allowance for loan losses and the recorded investment (unpaid contractual principal balance less charge-offs, less interest applied to principal, plus unamortized deferred costs and premiums) by loan type and based on impairment method as of the dates indicated:
|  | June 30, 2021 |
|  | Real Estate |  |  |  |  |  |  |  |  |  |  |  |  |
|  | Single family |  |  | Multi- family |  |  | Commercial real estate |  |  | Church |  |  | Construction |  |  | Commercial - other |  |  | SBA Loans |  |  | Consumer |  |  | Total |
|  | (In thousands) |
Allowance for loan losses: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Ending allowance balance attributable to loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Individually evaluated for impairment |  | $ | 3 |  |  | $ | - |  |  | $ | - |  |  | $ | 42 |  |  | $ | - |  |  | $ | - |  |  | $ | - |  |  | $ | - |  |  | $ | 45 |
Collectively evaluated for impairment |  |  | 167 |  |  |  | 2,606 |  |  |  | 227 |  |  |  | 166 |  |  |  | 81 |  |  |  | 4 |  |  |  | - |  |  |  | - |  |  |  | 3,251 |
Total ending allowance balance |  | $ | 170 |  |  | $ | 2,606 |  |  | $ | 227 |  |  | $ | 208 |  |  | $ | 81 |  |  | $ | 4 |  |  | $ | - |  |  | $ | - |  |  | $ | 3,296 |
Loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Loans individually evaluated for impairment |  | $ | 66 |  |  | $ | 290 |  |  | $ | - |  |  | $ | 3,718 |  |  | $ | - |  |  | $ | - |  |  | $ | - |  |  | $ | - |  |  | $ | 4,074 |
Loans collectively evaluated for impairment |  |  | 53,600 |  |  |  | 347,540 |  |  |  | 92,491 |  |  |  | 11,602 |  |  |  | 22,583 |  |  |  | 46,973 |  |  |  | 39,078 |  |  |  | 73 |  |  |  | 613,940 |
Total ending loans balance |  | $ | 53,666 |  |  | $ | 347,830 |  |  | $ | 92,491 |  |  | $ | 15,320 |  |  | $ | 22,583 |  |  | $ | 46,973 |  |  | $ | 39,078 |  |  | $ | 73 |  |  | $ | 618,014 |
|  | December 31, 2020 |
|  | Real Estate |  |  |  |  |  |  |  |  |  |  |  |  |  |
|  | Single family |  |  | Multi- family |  |  | Commercial real estate |  |  | Church |  |  | Construction |  |  | Commercial - other |  |  |  | SBA Loans |  |  | Consumer |  |  | Total |
|  | (In thousands) |
Allowance for loan losses: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Ending allowance balance attributable to loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Individually evaluated for impairment |  | $ | 89 |  |  | $ | - |  |  | $ | - |  |  | $ | 52 |  |  | $ | - |  |  | $ | - |  |  | $ | - |  |  | $ | - |  |  | $ | 141 |
Collectively evaluated for impairment |  |  | 207 |  |  |  | 2,433 |  |  |  | 222 |  |  |  | 185 |  |  |  | 22 |  |  |  | 4 |  |  |  | - |  |  |  | 1 |  |  |  | 3,074 |
Total ending allowance balance |  | $ | 296 |  |  | $ | 2,433 |  |  | $ | 222 |  |  | $ | 237 |  |  | $ | 22 |  |  | $ | 4 |  |  | $ | - |  |  | $ | 1 |  |  | $ | 3,215 |
Loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Loans individually evaluated for impairment |  | $ | 573 |  |  | $ | 298 |  |  | $ | - |  |  | $ | 3,813 |  |  | $ | - |  |  | $ | 47 |  |  | $ | - |  |  | $ | - |  |  | $ | 4,731 |
Loans collectively evaluated for impairment |  |  | 47,784 |  |  |  | 273,566 |  |  |  | 24,322 |  |  |  | 12,495 |  |  |  | 430 |  |  |  | 9 |  |  |  | - |  |  |  | 7 |  |  |  | 358,613 |
Total ending loans balance |  | $ | 48,357 |  |  | $ | 273,864 |  |  | $ | 24,322 |  |  | $ | 16,308 |  |  | $ | 430 |  |  | $ | 56 |  |  | $ | - |  |  | $ | 7 |  |  | $ | 363,344 |
Loans Individually Evaluated for Impairment by Loan Type | The following table presents information related to loans individually evaluated for impairment by loan type as of the periods indicated:
|  | June 30, 2021 |  |  | December 31, 2020 |
|  | Unpaid Principal Balance |  |  | Recorded Investment |  |  | Allowance for Loan Losses Allocated |  |  | Unpaid Principal Balance |  |  | Recorded Investment |  |  | Allowance for Loan Losses Allocated |
|  | (In thousands) |
With no related allowance recorded: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Single family |  | $ | - |  |  | $ | - |  |  | $ | - |  |  | $ | 2 |  |  | $ | 1 |  |  | $ | - |
Multi-family |  |  | 290 |  |  |  | 290 |  |  |  | - |  |  |  | 298 |  |  |  | 298 |  |  |  | - |
Church |  |  | 2,487 |  |  |  | 1,914 |  |  |  | - |  |  |  | 2,527 |  |  |  | 1,970 |  |  |  | - |
With an allowance recorded: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Single family |  |  | 66 |  |  |  | 66 |  |  |  | 3 |  |  |  | 573 |  |  |  | 573 |  |  |  | 88 |
Church |  |  | 1,804 |  |  |  | 1,804 |  |  |  | 42 |  |  |  | 1,842 |  |  |  | 1,842 |  |  |  | 52 |
Commercial - other |  |  | - |  |  |  | - |  |  |  | - |  |  |  | 47 |  |  |  | 47 |  |  |  | 1 |
Total |  | $ | 4,647 |  |  | $ | 4,074 |  |  | $ | 45 |  |  | $ | 5,289 |  |  | $ | 4,731 |  |  | $ | 141 |
Average of Loans Individually Evaluated for Impairment by Loan Type and Related Interest Income | The following tables present the monthly average of loans individually evaluated for impairment by loan type and the related interest income for the periods indicated:
|  | Three Months Ended June 30, 2021 |  |  | Three Months Ended June 30, 2020 |
|  | Average Recorded Investment |  |  | Cash Basis Interest Income Recognized |  |  | Average Recorded Investment |  |  | Cash Basis Interest Income Recognized |
|  | (In thousands) |
Single family |  | $ | 316 |  |  | $ | 4 |  |  | $ | 597 |  |  | $ | 7 |
Multi-family |  |  | 292 |  |  |  | 5 |  |  |  | 308 |  |  |  | 5 |
Church |  |  | 3,742 |  |  |  | 63 |  |  |  | 4,160 |  |  |  | 74 |
Commercial - other |  |  | 11 |  |  |  | - |  |  |  | 59 |  |  |  | 1 |
Total |  | $ | 4,361 |  |  | $ | 72 |  |  | $ | 5,124 |  |  | $ | 87 |
|  | Six Months Ended June 30, 2021 |  |  | Six Months Ended June 30, 2020 |
|  | Average Recorded Investment |  |  | Cash Basis Interest Income Recognized |  |  | Average Recorded Investment |  |  | Cash Basis Interest Income Recognized |
|  | (In thousands) |
Single family |  | $ | 426 |  |  | $ | 10 |  |  | $ | 599 |  |  | $ | 14 |
Multi-family |  |  | 294 |  |  |  | 10 |  |  |  | 309 |  |  |  | 11 |
Church |  |  | 3,766 |  |  |  | 126 |  |  |  | 4,190 |  |  |  | 309 |
Commercial - other |  |  | 26 |  |  |  | 1 |  |  |  | 60 |  |  |  | 2 |
Total |  | $ | 4,512 |  |  | $ | 147 |  |  | $ | 5,158 |  |  | $ | 336 |
Aging of Recorded Investment in Past Due Loans by Loan Type | The following tables present the aging of the recorded investment in past due loans by loan type as of the periods indicated:
|  | June 30, 2021 |
|  | 30-59 Days Past Due |  |  | 60-89 Days Past Due |  |  | Greater than 90 Days Past Due |  |  | Total Past Due |  |  | Current |  |  | Total |
|  | (In thousands) |
Loans receivable held for investment: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Single family |  | $ | - |  |  | $ | - |  |  | $ | - |  |  | $ | - |  |  | $ | 53,666 |  |  | $ | 53,666 |
Multi-family |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | 347,830 |  |  |  | 347,830 |
Commercial real estate |  |  | 1,554 |  |  |  | - |  |  |  | - |  |  |  | 1,554 |  |  |  | 90,937 |  |  |  | 92,491 |
Church |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | 15,320 |  |  |  | 15,320 |
Construction |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | 22,583 |  |  |  | 22,583 |
Commercial - other |  |  | - |  |  |  | 310 |  |  |  | - |  |  |  | 310 |  |  |  | 46,663 |  |  |  | 46,973 |
SBA loans |  |  | 21 |  |  |  | - |  |  |  | - |  |  |  | 21 |  |  |  | 39,057 |  |  |  | 39,078 |
Consumer |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | 73 |  |  |  | 73 |
Total |  | $ | 1,575 |  |  | $ | 310 |  |  | $ | - |  |  | $ | 1,885 |  |  | $ | 616,129 |  |  | $ | 618,014 |
|  | December 31, 2020 |
|  | 30-59 Days Past Due |  |  | 60-89 Days Past Due |  |  | Greater than 90 Days Past Due |  |  | Total Past Due |  |  | Current |  |  | Total |
|  | (In thousands) |
Loans receivable held for investment: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Single family |  | $ | - |  |  | $ | - |  |  | $ | - |  |  | $ | - |  |  | $ | 48,357 |  |  | $ | 48,357 |
Multi-family |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | 273,864 |  |  |  | 273,864 |
Commercial real estate |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | 24,322 |  |  |  | 24,322 |
Church |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | 16,308 |  |  |  | 16,308 |
Construction |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | 430 |  |  |  | 430 |
Commercial - other |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | 56 |  |  |  | 56 |
Consumer |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | 7 |  |  |  | 7 |
Total |  | $ | - |  |  | $ | - |  |  | $ | - |  |  | $ | - |  |  | $ | 363,344 |  |  | $ | 363,344 |
Recorded Investment in Non-accrual Loans by Loan Type | The following table presents the recorded investment in non-accrual loans by loan type as of the periods indicated:
|  | June 30, 2021 |  |  | December 31, 2020 |
|  | (In thousands) |
Loans receivable held for investment: |  |  |  |  |  |
Single-family residence |  | $ | - |  |  | $ | 1 |
Church |  |  | 735 |  |  |  | 786 |
Total non-accrual loans |  | $ | 735 |  |  | $ | 787 |
Risk Categories of Loans by Loan Type | Based on the most recent analysis performed, the risk categories of loans by loan type as of the periods indicated were as follows:
|  | June 30, 2021 |
|  | Pass |  |  | Watch |  |  | Special Mention |  |  | Substandard |  |  | Doubtful |  |  | Loss |
|  | (In thousands) |
Single family |  | $ | 53,666 |  |  | $ | - |  |  | $ | - |  |  | $ | - |  |  | $ | - |  |  | $ | - |
Multi-family |  |  | 347,477 |  |  |  | - |  |  |  | - |  |  |  | 353 |  |  |  | - |  |  |  | - |
Commercial real estate |  |  | 91,018 |  |  |  | - |  |  |  | - |  |  |  | 1,473 |  |  |  | - |  |  |  | - |
Church |  |  | 13,615 |  |  |  | 647 |  |  |  | - |  |  |  | 1,058 |  |  |  | - |  |  |  | - |
Construction |  |  | 22,583 |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |
Commercial - other |  |  | 46,973 |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |
SBA loans |  |  | 39,078 |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |
Consumer |  |  | 73 |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |
Total |  | $ | 614,483 |  |  | $ | 647 |  |  | $ | - |  |  | $ | 2,884 |  |  | $ | - |  |  | $ | - |
|  | December 31, 2020 |
|  | Pass |  |  | Watch |  |  | Special Mention |  |  | Substandard |  |  | Doubtful |  |  | Loss |
|  | (In thousands) |
Single family |  | $ | 48,357 |  |  | $ | - |  |  | $ | - |  |  | $ | 1 |  |  | $ | - |  |  | $ | - |
Multi-family |  |  | 273,501 |  |  |  | - |  |  |  | - |  |  |  | 362 |  |  |  | - |  |  |  | - |
Commercial real estate |  |  | 22,834 |  |  |  | 1,488 |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |
Church |  |  | 12,899 |  |  |  | 657 |  |  |  | - |  |  |  | 2,752 |  |  |  | - |  |  |  | - |
Construction |  |  | 430 |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |
Commercial - other |  |  | 9 |  |  |  | - |  |  |  | - |  |  |  | 47 |  |  |  | - |  |  |  | - |
Consumer |  |  | 7 |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |
Total |  | $ | 358,037 |  |  | $ | 2,145 |  |  | $ | - |  |  | $ | 3,162 |  |  | $ | - |  |  | $ | - |

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