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Loans Receivable Held for Investment (Tables) | 9 Months Ended
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Sep. 30, 2022
Loans Receivable Held for Investment [Abstract] |
Loans Receivable Held for Investment | Loans receivable held for investment were as follows as of the dates indicated:
|  | September 30, 2022 |  |  | December 31, 2021 |
|  | (In thousands) |
Real estate: |  |  |  |  |  |
Single family |  | $ | 30,781 |  |  | $ | 45,372 |
Multi-family |  |  | 459,234 |  |  |  | 393,704 |
Commercial real estate |  |  | 91,576 |  |  |  | 93,193 |
Church |  |  | 16,683 |  |  |  | 22,503 |
Construction |  |  | 57,845 |  |  |  | 32,072 |
Commercial – other |  |  | 66,516 |  |  |  | 46,539 |
SBA loans (1) |  |  | 3,654 |  |  |  | 18,837 |
Consumer |  |  | 9 |  |  |  | – |
Gross loans receivable before deferred loan costs and premiums |  |  | 726,298 |  |  |  | 652,220 |
Unamortized net deferred loan costs and premiums |  |  | 1,564 |  |  |  | 1,526 |
Gross loans receivable |  |  | 727,862 |  |  |  | 653,746 |
Credit and interest marks on purchased loans, net |  |  | (1,194 | ) |  |  | (1,842 | )
Allowance for loan losses |  |  | (3,983 | ) |  |  | (3,391 | )
Loans receivable, net |  | $ | 722,685 |  |  | $ | 648,513 |
Carrying Amount of Purchased Credit Impaired Loans | The carrying amount of those loans as of September 30, 2022, and December 31, 2021, was as follows:
|  | September 30, 2022 |  |  | December 31, 2021 |
|  | (In thousands) |
Real estate: |  |  |  |  |  |
Single family |  | $ | 67 |  |  | $ | 558 |
Commercial real estate |  |  | – |  |  |  | 221 |
Commercial – other |  |  | 26 |  |  |  | 104 |
|  | $ | 93 |  |  | $ | 883 |
Accretable yield on Purchased Credit Impaired Loans | The following table summarizes the accretable yield on the PCI loans for the three and nine months ended September 30, 2022 and September 30, 2021:
|  | Three Months Ended September 30, 2022 |  |  | Nine Months Ended September 30, 2022 |
|  | (In thousands) |
Balance at the beginning of the period |  | $ | 160 |  |  | $ | 883 |
Deduction due to payoffs |  |  | (71 | ) |  |  | (810 | )
Accretion |  |  | (4 | ) |  |  | (20 | )
Balance at the end of the period |  | $ | 93 |  |  | $ | 93 |
|  | Three Months Ended September 30, 2021 |  |  | Nine Months Ended September 30, 2021 |
|  | (In thousands) |
Balance at the beginning of the period |  | $ | 327 |  |  | $ | – |
Additions |  |  | – |  |  |  | 346 |
Accretion |  |  | 19 |  |  |  | 38 |
Balance at the end of the period |  | $ | 308 |  |  | $ | 308 |
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:
|  | For the Three Months Ended September 30, 2022 |
|  | Real Estate |  |  |  |  |  |  |  |  |  |
|  | Single Family |  |  | Multi- Family |  |  | Commercial Real Estate |  |  | Church |  |  | Construction |  |  | Commercial - Other |  |  | Consumer |  |  | Total |
Beginning balance |  | $ | 120 |  |  | $ | 2,278 |  |  | $ | 153 |  |  | $ | 48 |  |  | $ | 221 |  |  | $ | 138 |  |  | $ | 4 |  |  | $ | 2,962 |
Provision for (recapture of) loan losses |  |  | (8 | ) |  |  | 641 |  |  |  | 142 |  |  |  | 6 |  |  |  | 187 |  |  |  | 53 |  |  |  | – |  |  |  | 1,021 |
Recoveries |  |  | – |  |  |  | – |  |  |  | – |  |  |  | – |  |  |  | – |  |  |  | – |  |  |  | – |  |  |  | – |
Loans charged off |  |  | – |  |  |  | – |  |  |  | – |  |  |  | – |  |  |  | – |  |  |  | – |  |  |  | – |  |  |  | – |
Ending balance |  | $ | 112 |  |  | $ | 2,919 |  |  | $ | 295 |  |  | $ | 54 |  |  | $ | 408 |  |  | $ | 191 |  |  | $ | 4 |  |  | $ | 3,983 |
|  | For the Three Months Ended September 30, 2021 |
|  | Real Estate |  |  |  |  |  |  |  |  |  |
|  | Single Family |  |  | Multi- Family |  |  | Commercial Real Estate |  |  | Church |  |  | Construction |  |  | Commercial - Other |  |  | Consumer |  |  | Total |
Beginning balance |  | $ | 170 |  |  | $ | 2,606 |  |  | $ | 227 |  |  | $ | 208 |  |  | $ | 81 |  |  | $ | 4 |  |  | $ | – |  |  | $ | 3,296 |
Provision for (recapture of) loan losses |  |  | (10 | ) |  |  | 325 |  |  |  | 32 |  |  |  | (18 | ) |  |  | 35 |  |  |  | – |  |  |  | 1 |  |  |  | 365 |
Recoveries |  |  | – |  |  |  | – |  |  |  | – |  |  |  | – |  |  |  | – |  |  |  | – |  |  |  | – |  |  |  | – |
Loans charged off |  |  | – |  |  |  | – |  |  |  | – |  |  |  | – |  |  |  | – |  |  |  | – |  |  |  | – |  |  |  | – |
Ending balance |  | $ | 160 |  |  | $ | 2,931 |  |  | $ | 259 |  |  | $ | 190 |  |  | $ | 116 |  |  | $ | 4 |  |  | $ | 1 |  |  | $ | 3,661 |
|  | For the Nine Months Ended September 30, 2022 |
|  | Real Estate |  |  |  |  |  |  |  |  |  |
|  | Single Family |  |  | Multi- Family |  |  | Commercial Real Estate |  |  | Church |  |  | Construction |  |  | Commercial - Other |  |  | Consumer |  |  | Total |
Beginning balance |  | $ | 145 |  |  | $ | 2,657 |  |  | $ | 236 |  |  | $ | 103 |  |  | $ | 212 |  |  | $ | 23 |  |  | $ | 15 |  |  | $ | 3,391 |
Provision for (recapture of) loan losses |  |  | (33 | ) |  |  | 262 |  |  |  | 59 |  |  |  | (49 | ) |  |  | 196 |  |  |  | 168 |  |  |  | (11 | ) |  |  | 592 |
Recoveries |  |  | – |  |  |  | – |  |  |  | – |  |  |  | – |  |  |  | – |  |  |  | – |  |  |  | – |  |  |  | – |
Loans charged off |  |  | – |  |  |  | – |  |  |  | – |  |  |  | – |  |  |  | – |  |  |  | – |  |  |  | – |  |  |  | – |
Ending balance |  | $ | 112 |  |  | $ | 2,919 |  |  | $ | 295 |  |  | $ | 54 |  |  | $ | 408 |  |  | $ | 191 |  |  | $ | 4 |  |  | $ | 3,983 |
|  | For the Nine Months Ended September 30, 2021 |
|  | Real Estate |  |  |  |  |  |  |  |  |  |
|  | Single Family |  |  | Multi- Family |  |  | Commercial Real Estate |  |  | Church |  |  | Construction |  |  | Commercial - Other |  |  | Consumer |  |  | Total |
Beginning balance |  | $ | 296 |  |  | $ | 2,433 |  |  | $ | 222 |  |  | $ | 237 |  |  | $ | 22 |  |  | $ | 4 |  |  | $ | 1 |  |  | $ | 3,215 |
Provision for (recapture of) loan losses |  |  | (136 | ) |  |  | 498 |  |  |  | 37 |  |  |  | (47 | ) |  |  | 94 |  |  |  | – |  |  |  | – |  |  |  | 446 |
Recoveries |  |  | – |  |  |  | – |  |  |  | – |  |  |  | – |  |  |  | – |  |  |  | – |  |  |  | – |  |  |  | – |
Loans charged off |  |  | – |  |  |  | – |  |  |  | – |  |  |  | – |  |  |  | – |  |  |  | – |  |  |  | – |  |  |  | – |
Ending balance |  | $ | 160 |  |  | $ | 2,931 |  |  | $ | 259 |  |  | $ | 190 |  |  | $ | 116 |  |  | $ | 4 |  |  | $ | 1 |  |  | $ | 3,661 |
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:
|  | September 30, 2022 |
|  | Real Estate |  |  |  |  |  |  |  |  |  |
|  | Single Family |  |  | Multi- Family |  |  | Commercial Real Estate |  |  | Church |  |  | Construction |  |  | Commercial - Other |  |  | Consumer |  |  | Total |
|  | (In thousands) |
Allowance for loan losses: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Ending allowance balance attributable to loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Individually evaluated for impairment |  | $ | 3 |  |  | $ | – |  |  | $ | – |  |  | $ | 4 |  |  | $ | – |  |  | $ | – |  |  | $ | – |  |  | $ | 7 |
Collectively evaluated for impairment |  |  | 109 |  |  |  | 2,919 |  |  |  | 295 |  |  |  | 50 |  |  |  | 408 |  |  |  | 191 |  |  |  | 4 |  |  |  | 3,976 |
Total ending allowance balance |  | $ | 112 |  |  | $ | 2,919 |  |  | $ | 295 |  |  | $ | 54 |  |  | $ | 408 |  |  | $ | 191 |  |  | $ | 4 |  |  | $ | 3,983 |
Loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Loans individually evaluated for impairment |  | $ | 58 |  |  | $ | 268 |  |  | $ | – |  |  | $ | 2,135 |  |  | $ | – |  |  | $ | – |  |  | $ | – |  |  | $ | 2,461 |
Loans collectively evaluated for impairment |  |  | 21,607 |  |  |  | 422,731 |  |  |  | 40,946 |  |  |  | 7,030 |  |  |  | 53,813 |  |  |  | 30,447 |  |  |  | 9 |  |  |  | 576,583 |
Subtotal |  |  | 21,665 |  |  |  | 422,999 |  |  |  | 40,946 |  |  |  | 9,165 |  |  |  | 53,813 |  |  |  | 30,447 |  |  |  | 9 |  |  |  | 579,044 |
Loans acquired in the Merger |  |  | 9,116 |  |  |  | 37,799 |  |  |  | 50,630 |  |  |  | 7,518 |  |  |  | 4,032 |  |  |  | 39,723 |  |  |  | – |  |  |  | 148,818 |
Total ending loans balance |  | $ | 30,781 |  |  | $ | 460,798 |  |  | $ | 91,576 |  |  | $ | 16,683 |  |  | $ | 57,845 |  |  | $ | 70,170 |  |  | $ | 9 |  |  | $ | 727,862 |
|  | December 31, 2021 |
|  | Real Estate |  |  |  |  |  |  |  |  |  |
|  | Single Family |  |  | Multi- Family |  |  | Commercial Real Estate |  |  | Church |  |  | Construction |  |  | Commercial - Other |  |  | SBA |  |  | Total |
Allowance for loan losses: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Ending allowance balance attributable to loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Individually evaluated for impairment |  | $ | 3 |  |  | $ | – |  |  | $ | – |  |  | $ | 4 |  |  | $ | – |  |  | $ | – |  |  | $ | – |  |  | $ | 7 |
Collectively evaluated for impairment |  |  | 142 |  |  |  | 2,657 |  |  |  | 236 |  |  |  | 99 |  |  |  | 212 |  |  |  | 23 |  |  |  | 15 |  |  |  | 3,384 |
Total ending allowance balance |  | $ | 145 |  |  | $ | 2,657 |  |  | $ | 236 |  |  | $ | 103 |  |  | $ | 212 |  |  | $ | 23 |  |  | $ | 15 |  |  | $ | 3,391 |
Loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Loans individually evaluated for impairment |  | $ | 65 |  |  | $ | 282 |  |  | $ | – |  |  | $ | 1,954 |  |  | $ | – |  |  | $ | – |  |  | $ | – |  |  | $ | 2,301 |
Loans collectively evaluated for impairment |  |  | 32,599 |  |  |  | 353,179 |  |  |  | 25,507 |  |  |  | 9,058 |  |  |  | 24,225 |  |  |  | 3,124 |  |  |  | – |  |  |  | 447,692 |
Subtotal |  |  | 32,664 |  |  |  | 353,461 |  |  |  | 25,507 |  |  |  | 11,012 |  |  |  | 24,225 |  |  |  | 3,124 |  |  |  | – |  |  |  | 449,993 |
Loans acquired in the Merger |  |  | 12,708 |  |  |  | 41,769 |  |  |  | 67,686 |  |  |  | 11,491 |  |  |  | 7,847 |  |  |  | 43,415 |  |  |  | 18,837 |  |  |  | 203,753 |
Total ending loans balance |  | $ | 45,372 |  |  | $ | 395,230 |  |  | $ | 93,193 |  |  | $ | 22,503 |  |  | $ | 32,072 |  |  | $ | 46,539 |  |  | $ | 18,837 |  |  | $ | 653,746 |
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 dates indicated:
|  | September 30, 2022 |  |  | December 31, 2021 |
|  | 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: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Multi-family |  | $ | 267 |  |  | $ | 267 |  |  | $ | – |  |  | $ | 282 |  |  | $ | 282 |  |  | $ | – |
Church |  |  | 2,049 |  |  |  | 2,049 |  |  |  | – |  |  |  | 1,854 |  |  |  | 1,854 |  |  |  | – |
With an allowance recorded: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Single family |  |  | 58 |  |  |  | 58 |  |  |  | 3 |  |  |  | 65 |  |  |  | 65 |  |  |  | 3 |
Church |  |  | 87 |  |  |  | 87 |  |  |  | 4 |  |  |  | 100 |  |  |  | 100 |  |  |  | 4 |
Total |  | $ | 2,461 |  |  | $ | 2,461 |  |  | $ | 7 |  |  | $ | 2,301 |  |  | $ | 2,301 |  |  | $ | 7 |
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 September 30, 2022 |  |  | Three Months Ended September 30, 2021 |
|  | Average Recorded Investment |  |  | Cash Basis Interest Income Recognized |  |  | Average Recorded Investment |  |  | Cash Basis Interest Income Recognized |
|  | (In thousands) |
Single family |  | $ | 60 |  |  | $ | 1 |  |  | $ | 65 |  |  | $ | 4 |
Multi-family |  |  | 268 |  |  |  | 5 |  |  |  | 288 |  |  |  | 5 |
Church |  |  | 2,172 |  |  |  | 25 |  |  |  | 3,614 |  |  |  | 64 |
Commercial - other |  |  | – |  |  |  | – |  |  |  | – |  |  |  | – |
Total |  | $ | 2,500 |  |  | $ | 31 |  |  | $ | 3,967 |  |  | $ | 73 |
|  | Nine Months Ended September 30, 2022 |  |  | Nine Months Ended September 30, 2021 |
|  | Average Recorded Investment |  |  | Cash Basis Interest Income Recognized |  |  | Average Recorded Investment |  |  | Cash Basis Interest Income Recognized |
|  | (In thousands) |
Single family |  | $ | 63 |  |  | $ | 3 |  |  | $ | 318 |  |  | $ | 14 |
Multi-family |  |  | 274 |  |  |  | 14 |  |  |  | 292 |  |  |  | 15 |
Church |  |  | 2,197 |  |  |  | 76 |  |  |  | 3,710 |  |  |  | 190 |
Commercial - other |  |  | – |  |  |  | – |  |  |  | 18 |  |  |  | 1 |
Total |  | $ | 2,534 |  |  | $ | 93 |  |  | $ | 4,338 |  |  | $ | 220 |
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 dates indicated:
|  | September 30, 2022 |
|  | 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 |  | $ | – |  |  | $ | – |  |  | $ | – |  |  | $ | – |  |  | $ | 30,781 |  |  | $ | 30,781 |
Multi-family |  |  | 4,316 |  |  |  | 5,864 |  |  |  | – |  |  |  | 10,180 |  |  |  | 450,618 |  |  |  | 460,798 |
Commercial real estate |  |  | – |  |  |  | – |  |  |  | – |  |  |  | – |  |  |  | 91,576 |  |  |  | 91,576 |
Church |  |  | – |  |  |  | – |  |  |  | – |  |  |  | – |  |  |  | 16,683 |  |  |  | 16,683 |
Construction |  |  | – |  |  |  | – |  |  |  | – |  |  |  | – |  |  |  | 57,845 |  |  |  | 57,845 |
Commercial - other |  |  | 41 |  |  |  | 12 |  |  |  | – |  |  |  | 53 |  |  |  | 66,463 |  |  |  | 66,516 |
SBA loans |  |  | – |  |  |  | – |  |  |  | – |  |  |  | – |  |  |  | 3,654 |  |  |  | 3,654 |
Consumer |  |  | – |  |  |  | – |  |  |  | – |  |  |  | – |  |  |  | 9 |  |  |  | 9 |
Total |  | $ | 4,357 |  |  | $ | 5,876 |  |  | $ | – |  |  | $ | 10,233 |  |  | $ | 717,629 |  |  | $ | 727,862 |
|  | December 31, 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 |  | $ | – |  |  | $ | – |  |  | $ | – |  |  | $ | – |  |  | $ | 45,372 |  |  | $ | 45,372 |
Multi-family |  |  | – |  |  |  | – |  |  |  | – |  |  |  | – |  |  |  | 395,230 |  |  |  | 395,230 |
Commercial real estate |  |  | – |  |  |  | – |  |  |  | 2,423 |  |  |  | 2,423 |  |  |  | 90,770 |  |  |  | 93,193 |
Church |  |  | – |  |  |  | – |  |  |  | – |  |  |  | – |  |  |  | 22,503 |  |  |  | 22,503 |
Construction |  |  | – |  |  |  | – |  |  |  | – |  |  |  | – |  |  |  | 32,072 |  |  |  | 32,072 |
Commercial - other |  |  | – |  |  |  | – |  |  |  | – |  |  |  | – |  |  |  | 46,539 |  |  |  | 46,539 |
Consumer |  |  | – |  |  |  | – |  |  |  | – |  |  |  | – |  |  |  | 18,837 |  |  |  | 18,837 |
Total |  | $ | – |  |  | $ | – |  |  | $ | 2,423 |  |  | $ | 2,423 |  |  | $ | 651,323 |  |  | $ | 653,746 |
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 dates indicated:
|  | September 30, 2022 |  |  | December 31, 2021 |
|  | (In thousands) |
Loans receivable held for investment: |  |  |  |  |  |
Church |  | $ | 608 |  |  | $ | 684 |
Total non-accrual loans |  | $ | 608 |  |  | $ | 684 |
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 dates indicated were as follows:
|  | September 30, 2022 |
|  | Pass |  |  | Watch |  |  | Special Mention |  |  | Substandard |  |  | Doubtful |  |  | Loss |  |  | Total |
|  | (In thousands) |
Single family |  | $ | 30,422 |  |  | $ | 359 |  |  | $ | – |  |  | $ | – |  |  | $ | – |  |  | $ | – |  |  | $ | 30,781 |
Multi-family |  |  | 448,183 |  |  |  | 1,735 |  |  |  | 7,162 |  |  |  | 3,718 |  |  |  | – |  |  |  | – |  |  |  | 460,798 |
Commercial real estate |  |  | 90,142 |  |  |  | – |  |  |  | – |  |  |  | 1,434 |  |  |  | – |  |  |  | – |  |  |  | 91,576 |
Church |  |  | 14,934 |  |  |  | – |  |  |  | – |  |  |  | 1,749 |  |  |  | – |  |  |  | – |  |  |  | 16,683 |
Construction |  |  | 23,504 |  |  |  | 34,341 |  |  |  | – |  |  |  | – |  |  |  | – |  |  |  | – |  |  |  | 57,845 |
Commercial - others |  |  | 61,426 |  |  |  | 5,090 |  |  |  | – |  |  |  | – |  |  |  | – |  |  |  | – |  |  |  | 66,516 |
SBA |  |  | 3,022 |  |  |  | 632 |  |  |  | – |  |  |  | – |  |  |  | – |  |  |  | – |  |  |  | 3,654 |
Consumer |  |  | 9 |  |  |  | – |  |  |  | – |  |  |  | – |  |  |  | – |  |  |  | – |  |  |  | 9 |
Total |  | $ | 671,642 |  |  | $ | 42,157 |  |  | $ | 7,162 |  |  | $ | 6,901 |  |  | $ | – |  |  | $ | – |  |  | $ | 727,862 |
|  | December 31, 2021 |
|  | Pass |  |  | Watch |  |  | Special Mention |  |  | Substandard |  |  | Doubtful |  |  | Loss |  |  | Total |
|  | (In thousands) |
Single family |  | $ | 42,454 |  |  | $ | 1,343 |  |  | $ | 271 |  |  | $ | 1,304 |  |  | $ | – |  |  | $ | – |  |  | $ | 45,372 |
Multi-family |  |  | 378,141 |  |  |  | 7,987 |  |  |  | 575 |  |  |  | 8,527 |  |  |  | – |  |  |  | – |  |  |  | 395,230 |
Commercial real estate |  |  | 69,257 |  |  |  | 7,034 |  |  |  | 9,847 |  |  |  | 7,055 |  |  |  | – |  |  |  | – |  |  |  | 93,193 |
Church |  |  | 20,021 |  |  |  | – |  |  |  | – |  |  |  | 2,482 |  |  |  | – |  |  |  | – |  |  |  | 22,503 |
Construction |  |  | 10,522 |  |  |  | 21,550 |  |  |  | – |  |  |  | – |  |  |  | – |  |  |  | – |  |  |  | 32,072 |
Commercial - other |  |  | 33,988 |  |  |  | 12,551 |  |  |  | – |  |  |  | – |  |  |  | – |  |  |  | – |  |  |  | 46,539 |
SBA |  |  | 18,665 |  |  |  | – |  |  |  | 172 |  |  |  | – |  |  |  | – |  |  |  | – |  |  |  | 18,837 |
Total |  | $ | 573,048 |  |  | $ | 50,465 |  |  | $ | 10,865 |  |  | $ | 19,368 |  |  | $ | – |  |  | $ | – |  |  | $ | 653,746 |

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