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Loans Receivable Held for Investment (Q3) (Tables)
 9 Months Ended 12 Months Ended
Sep. 30, 2020
Dec. 31, 2019
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, 2020
  
December 31, 2019
 
  
(In thousands)
 
Real estate:
      
Single family
 
$
53,976
  
$
72,883
 
Multi-family
  
269,874
   
287,378
 
Commercial real estate
  
20,025
   
14,728
 
Church
  
17,789
   
21,301
 
Construction
  
1,672
   
3,128
 
Commercial – other
  
302
   
262
 
Consumer
  
8
   
21
 
Gross loans receivable before deferred loan costs and premiums
  
363,646
   
399,701
 
Unamortized net deferred loan costs and premiums
  
1,362
   
1,328
 
Gross loans receivable
  
365,008
   
401,029
 
Allowance for loan losses
  
(3,215
)
  
(3,182
)
Loans receivable, net
 
$
361,793
  
$
397,847
 
Loans receivable held for investment were as follows as of the periods indicated:

  
December 31, 2019
  
December 31, 2018
 
  
(In thousands)
 
Real estate:
       
Single family
 
$
72,883
  
$
91,835
 
Multi-family
  
287,378
   
231,870
 
Commercial real estate
  
14,728
   
5,802
 
Church
  
21,301
   
25,934
 
Construction
  
3,128
   
1,876
 
Commercial – other
  
262
   
226
 
Consumer
  
21
   
5
 
Gross loans receivable before deferred loan costs and premiums
  
399,701
   
357,548
 
Unamortized net deferred loan costs and premiums
  
1,328
   
937
 
Gross loans receivable
  
401,029
   
358,485
 
Allowance for loan losses
  
(3,182
)  
(2,929
)
Loans receivable, net
 
$
397,847
  
$
355,556
 
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 September 30, 2020
 
  
Real Estate
          
  
Single
family
  
Multi-
family
  
Commercial
real estate
  
Church
  
Construction
  
Commercial
- other
  
Consumer
  
Total
 
  
(In thousands)
 
Beginning balance
 
$
312
  
$
2,424
  
$
169
  
$
282
  
$
22
  
$
6
  
$
-
  
$
3,215
 
Provision for (recapture of) loan losses
  
9
   
1
   
17
   
(28
)
  
-
   
(1
)
  
2
   
-
 
Recoveries
  
-
   
-
   
-
   
-
   
-
   
-
   
-
   
-
 
Loans charged off
  
-
   
-
   
-
   
-
   
-
   
-
   
-
   
-
 
Ending balance
 
$
321
  
$
2,425
  
$
186
  
$
254
  
$
22
  
$
5
  
$
2
  
$
3,215
 

  
Three Months Ended September 30, 2019
 
  
Real Estate
          
  
Single
family
  
Multi-
family
  
Commercial
real estate
  
Church
  
Construction
  
Commercial
- other
  
Consumer
  
Total
 
  
(In thousands)
 
Beginning balance
 
$
328
  
$
1,932
  
$
58
  
$
401
  
$
44
  
$
5
  
$
3
  
$
2,771
 
Provision for (recapture of)    loan losses
  
-
   
66
   
-
   
(24
)
  
6
   
-
   
(1
)
  
47
 
Recoveries
  
-
   
-
   
-
   
-
   
-
   
-
   
-
   
-
 
Loans charged off
  
-
   
-
   
-
   
-
   
-
   
-
   
-
   
-
 
Ending balance
 
$
328
  
$
1,998
  
$
58
  
$
377
  
$
50
  
$
5
  
$
2
  
$
2,818
 

  
Nine Months Ended September 30, 2020
 
  
Real Estate
          
  
Single
family
  
Multi-
family
  
Commercial
real estate
  
Church
  
Construction
  
Commercial
- other
  
Consumer
  
Total
 
  
(In thousands)
 
Beginning balance
 
$
312
  
$
2,319
  
$
133
  
$
362
  
$
48
  
$
7
  
$
1
  
$
3,182
 
Provision for (recapture of) loan losses
  
5
   
106
   
53
   
(108
)
  
(26
)
  
(2
)
  
1
   
29
 
Recoveries
  
4
   
-
   
-
   
-
   
-
   
-
   
-
   
4
 
Loans charged off
  
-
   
-
   
-
   
-
   
-
   
-
   
-
   
-
 
Ending balance
 
$
321
  
$
2,425
  
$
186
  
$
254
  
$
22
  
$
5
  
$
2
  
$
3,215
 

  
Nine Months Ended September 30, 2019
 
  
Real Estate
          
  
Single
family
  
Multi-
family
  
Commercial
real estate
  
Church
  
Construction
  
Commercial
- other
  
Consumer
  
Total
 
  
(In thousands)
 
Beginning balance
 
$
369
  
$
1,880
  
$
52
  
$
603
  
$
19
  
$
6
  
$
-
  
$
2,929
 
Provision for (recapture of)    loan losses
  
(41
)
  
118
   
6
   
(416
)
  
31
   
(1
)
  
2
   
(301
)
Recoveries
  
-
   
-
   
-
   
190
   
-
   
-
   
-
   
190
 
Loans charged off
  
-
   
-
   
-
   
-
   
-
   
-
   
-
   
-
 
Ending balance
 
$
328
  
$
1,998
  
$
58
  
$
377
  
$
50
  
$
5
  
$
2
  
$
2,818
 
The following tables present the activity in the allowance for loan losses by loan type for the periods indicated:

 
  
For the year ended December 31, 2019
 
 
  
Real Estate
    
 
  
 
  
Single
family
 
Multi-
family
 
Commercial
real estate
Church
 
Construction
 
Commercial
– other
 
Consumer
 
Total
 
 
  
(In thousands)
 
Beginning balance
 
$
369
  
$
1,880
  
$
52
 
$
603
 
 
$
19
  
$
6
  
$
-
 
 
$
2,929
 
Provision for (recapture of) loan losses
 
 
(57
)
  
439
   
81
  
(501
)
 
 
29
   
1
   
1
 
  
(7
)
Recoveries
 
 
-
   
-
   
-
  
260
 
 
 
-
   
-
   
-
 
  
260
 
Loans charged off
 
 
-
   
-
   
-
  
-
 
 
 
-
   
-
   
-
 
  
-
 
Ending balance
 
$
312
  
$
2,319
  
$
133
 
$
362
 
 
$
48
  
$
7
  
$
1
 
 
$
3,182
 

 
  
For the year ended December 31, 2018
 
  
Real Estate
          
  
Single
family
  
Multi-
family
  
Commercial
real estate
  
Church
  
Construction
  
Commercial
– other
  
Consumer
  
Total
 
  
(In thousands)
 
Beginning balance
 
$
594
  
$
2,300
  
$
71
  
$
1,081
  
$
17
  
$
6
  
$
-
  
$
4,069
 
Recapture of loan losses
  
(225
)
  
(420
)
  
(19
)
  
(592
)
  
2
   
-
   
-
   
(1,254
 
Recoveries
  
-
   
-
   
-
   
114
   
-
   
-
   
-
   
114
 
Loans charged off
  
-
   
-
   
-
   
-
   
-
   
-
   
-
   
-
 
Ending balance
 
$
369
  
$
1,880
  
$
52
  
$
603
  
$
19
  
$
6
  
$
-
  
$
2,929
 
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, 2020
 
  
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
 
$
91
  
$
-
  
$
-
  
$
56
  
$
-
  
$
1
  
$
-
  
$
148
 
Collectively evaluated for impairment
  
230
   
2,425
   
186
   
198
   
22
   
4
   
2
   
3,067
 
Total ending allowance balance
 
$
321
  
$
2,425
  
$
186
  
$
254
  
$
22
  
$
5
  
$
2
  
$
3,215
 
Loans:
                                
Loans individually evaluated for impairment
 
$
586
  
$
304
  
$
-
  
$
3,860
  
$
-
  
$
49
  
$
-
  
$
4,799
 
Loans collectively evaluated for impairment
  
53,548
   
271,071
   
20,086
   
13,571
   
1,672
   
253
   
8
   
360,209
 
Total ending loans balance
 
$
54,134
  
$
271,375
  
$
20,086
  
$
17,431
  
$
1,672
  
$
302
  
$
8
  
$
365,008
 

  
December 31, 2019
 
  
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
 
$
60
  
$
-
  
$
-
  
$
85
  
$
-
  
$
2
  
$
-
  
$
147
 
Collectively evaluated for impairment
  
252
   
2,319
   
133
   
277
   
48
   
5
   
1
   
3,035
 
Total ending allowance balance
 
$
312
  
$
2,319
  
$
133
  
$
362
  
$
48
  
$
7
  
$
1
  
$
3,182
 
Loans:
                                
Loans individually evaluated for impairment
 
$
611
  
$
313
  
$
-
  
$
4,356
  
$
-
  
$
63
  
$
-
  
$
5,343
 
Loans collectively evaluated for impairment
  
72,501
   
288,730
   
14,818
   
16,292
   
3,125
   
199
   
21
   
395,686
 
Total ending loans balance
 
$
73,112
  
$
289,043
  
$
14,818
  
$
20,648
  
$
3,125
  
$
262
  
$
21
  
$
401,029
 
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 and for the periods indicated:
 
  
December 31, 2019
 
  
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
 
$
60
  
$
-
  
$
-
  
$
85
  
$
-
  
$
2
  
$
-
  
$
147
 
Collectively evaluated for impairment
  
252
   
2,319
   
133
   
277
   
48
   
5
   
1
   
3,035
 
Total ending allowance balance
 
$
312
  
$
2,319
  
$
133
  
$
362
  
$
48
  
$
7
  
$
1
  
$
3,182
 
Loans:
                                
Loans individually evaluated for impairment
 
$
611
  
$
313
  
$
-
  
$
4,356
  
$
-
  
$
63
  
$
-
  
$
5,343
 
Loans collectively evaluated for impairment
  
72,501
   
288,730
   
14,818
   
16,292
   
3,125
   
199
   
21
   
395,686
 
Total ending loans balance
 
$
73,112
  
$
289,043
  
$
14,818
  
$
20,648
  
$
3,125
  
$
262
  
$
21
  
$
401,029
 
 
  
December 31, 2018
 
  
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
 
$
53
  
$
-
  
$
-
  
$
170
  
$
-
  
$
4
  
$
-
  
$
227
 
Collectively evaluated for impairment
  
316
   
1,880
   
52
   
433
   
19
   
2
   
-
   
2,702
 
Total ending allowance balance
 
$
369
  
$
1,880
  
$
52
  
$
603
  
$
19
  
$
6
  
$
-
  
$
2,929
 
Loans:
                                
Loans individually evaluated for impairment
 
$
610
  
$
323
  
$
-
  
$
5,383
  
$
-
  
$
64
  
$
-
  
$
6,380
 
Loans collectively evaluated for impairment
  
91,567
   
232,986
   
5,800
   
19,713
   
1,872
   
162
   
5
   
352,105
 
Total ending loans balance
 
$
92,177
  
$
233,309
  
$
5,800
  
$
25,096
  
$
1,872
  
$
226
  
$
5
  
$
358,485
 
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:

  
September 30, 2020
  
December 31, 2019
 
  
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
 
$
9
  
$
8
  
$
-
  
$
-
  
$
-
  
$
-
 
Multi-family
 
$
304
  
$
304
  
$
-
   
313
   
313
   
-
 
Church
 
$
2,546
  
$
1,999
  
$
-
   
3,491
   
2,446
   
-
 
With an allowance recorded:
                        
Single family
  
578
   
578
   
91
   
593
   
593
   
60
 
Church
  
1,861
   
1,861
   
56
   
1,928
   
1,928
   
85
 
Commercial - other
  
50
   
49
   
1
   
63
   
63
   
2
 
Total
 
$
5,348
  
$
4,799
  
$
148
  
$
6,388
  
$
5,343
  
$
147
 
The following table presents information related to loans individually evaluated for impairment by loan type as of the periods indicated:
 
  
December 31, 2019
  
December 31, 2018
 
  
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
 
$
313
  
$
313
  
$
-
  
$
323
  
$
323
  
$
-
 
Church
  
3,491
   
2,446
   
-
   
4,666
   
2,803
     
With an allowance recorded:
                        
Single family
  
593
   
593
   
60
   
610
   
610
   
53
 
Multi-family
  
-
   
-
   
-
   
-
   
-
   
-
 
Church
  
1,928
   
1,928
   
85
   
2,580
   
2,580
   
170
 
Commercial – other
  
63
   
63
   
2
   
64
   
64
   
4
 
Total
 
$
6,388
  
$
5,343
  
$
147
  
$
8,243
  
$
6,380
  
$
227
 
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, 2020
  
Three Months Ended September 30, 2019
 
  
Average
Recorded
Investment
  
Cash Basis
Interest
Income
Recognized
  
Average
Recorded
Investment
  
Cash Basis
Interest
Income
Recognized
 
  
(In thousands)
 
Single family
 
$
589
  
$
7
  
$
625
  
$
7
 
Multi-family
  
305
   
5
   
317
   
6
 
Church
  
3,938
   
67
   
4,678
   
76
 
Commercial – other
  
50
   
1
   
63
   
1
 
Total
 
$
4,882
  
$
80
  
$
5,683
  
$
90
 

  
Nine Months Ended September 30, 2020
  
Nine Months Ended September 30, 2019
 
  
Average
Recorded
Investment
  
Cash Basis
Interest
Income
Recognized
  
Average
Recorded
Investment
  
Cash Basis
Interest
Income
Recognized
 
  
(In thousands)
 
Single family
 
$
596
  
$
22
  
$
631
  
$
22
 
Multi-family
  
308
   
16
   
320
   
17
 
Church
  
4,094
   
376
   
5,206
   
594
 
Commercial – other
  
57
   
3
   
63
   
3
 
Total
 
$
5,055
  
$
417
  
$
6,220
  
$
636
 
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:
 
  
For the year ended December 31, 2019
  
For the year ended December 31, 2018
 
  
Average
Recorded
Investment
  
Cash Basis
Interest
Income
Recognized
  
Average
Recorded
Investment
  
Cash Basis
Interest
Income
Recognized
 
  
(In thousands)
 
Single family
 
$
626
  
$
29
  
$
618
  
$
30
 
Multi-family
  
318
   
22
   
329
   
23
 
Commercial real estate
  
-
   
-
   
-
   
-
 
Church
  
5,017
   
939
   
7,893
   
398
 
Commercial – other
  
63
   
5
   
64
   
4
 
Total
 
$
6,024
  
$
995
  
$
8,904
  
$
455
 
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:

  
September 30, 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
 
$
76
  
$
8
  
$
-
  
$
84
  
$
54,050
  
$
54,134
 
Multi-family
  
-
   
-
   
-
   
-
   
271,375
   
271,375
 
Commercial real estate
  
-
   
-
   
-
   
-
   
20,086
   
20,086
 
Church
  
-
   
-
   
-
   
-
   
17,431
   
17,431
 
Construction
  
-
   
-
   
-
   
-
   
1,672
   
1,672
 
Commercial - other
  
-
   
-
   
-
   
-
   
302
   
302
 
Consumer
  
-
   
-
   
-
   
-
   
8
   
8
 
Total
 
$
76
  
$
8
  
$
-
  
$
84
  
$
364,924
  
$
365,008
 

  
December 31, 2019
 
  
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
 
$
18
  
$
-
  
$
-
  
$
18
  
$
73,094
  
$
73,112
 
Multi-family
  
-
   
-
   
-
   
-
   
289,043
   
289,043
 
Commercial real estate
  
-
   
-
   
-
   
-
   
14,818
   
14,818
 
Church
  
-
   
-
   
-
   
-
   
20,648
   
20,648
 
Construction
  
-
   
-
   
-
   
-
   
3,125
   
3,125
 
Commercial - other
  
-
   
-
   
-
   
-
   
262
   
262
 
Consumer
  
-
   
-
   
-
   
-
   
21
   
21
 
Total
 
$
18
  
$
-
  
$
-
  
$
18
  
$
401,011
  
$
401,029
 
The following tables present the aging of the recorded investment in past due loans by loan type as of the periods indicated:
 
  
December 31, 2019
    
  
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
 
$
18
  
$
-
  
$
-
  
$
18
  
$
73,094
  
$
73,112
 
Multi-family
  
-
   
-
   
-
   
-
   
289,043
   
289,043
 
Commercial real estate
  
-
   
-
   
-
   
-
   
14,818
   
14,818
 
Church
  
-
   
-
   
-
   
-
   
20,648
   
20,648
 
Construction
  
-
   
-
   
-
   
-
   
3,125
   
3,125
 
Commercial – other
  
-
   
-
   
-
   
-
   
262
   
262
 
Consumer
  
-
   
-
   
-
   
-
   
21
   
21
 
Total
 
$
18
  
$
-
  
$
-
  
$
18
  
$
401,011
  
$
401,029
 
 
  
December 31, 2018
    
  
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
 
$
35
  
$
-
  
$
-
  
$
35
  
$
92,142
  
$
92,177
 
Multi-family
  
-
   
-
   
-
   
-
   
233,309
   
233,309
 
Commercial real estate
  
-
   
-
   
-
   
-
   
5,800
   
5,800
 
Church
  
-
   
-
   
-
   
-
   
25,096
   
25,096
 
Construction
  
-
   
-
   
-
   
-
   
1,872
   
1,872
 
Commercial-other
  
-
   
-
   
-
   
-
   
226
   
226
 
Consumer
  
-
   
-
   
-
   
-
   
5
   
5
 
Total
 
$
35
  
$
-
  
$
-
  
$
35
  
$
358,450
  
$
358,485
 
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:

  
September 30, 2020
  
December 31, 2019
 
  
(In thousands)
 
Loans receivable held for investment:
      
Single-family residence
 
$
8
  
$
18
 
Church
 
$
812
   
406
 
Total non-accrual loans
 
$
820
  
$
424
 
The following table presents the recorded investment in non-accrual loans by loan type as of the periods indicated:
 
       
  
December 31, 2019
  
December 31, 2018
 
  
(In thousands)
 
Loans receivable held for investment:
      
Single family
 
$
18
  
$
-
 
Church
  
406
   
911
 
Total non-accrual loans
 
$
424
  
$
911
 
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:

  
September 30, 2020
 
  
Pass
  
Watch
  
Special Mention
  
Substandard
  
Doubtful
  
Loss
 
  
(In thousands)
 
Single family
 
$
54,127
  
$
-
  
$
-
  
$
7
  
$
-
  
$
-
 
Multi-family
  
271,008
   
-
   
-
   
367
   
-
   
-
 
Commercial real estate
  
18,590
   
1,496
   
-
   
-
   
-
   
-
 
Church
  
13,982
   
662
   
-
   
2,787
   
-
   
-
 
Construction
  
1,672
   
-
   
-
   
-
   
-
   
-
 
Commercial - other
  
252
   
-
   
-
   
50
   
-
   
-
 
Consumer
  
8
   
-
   
-
   
-
   
-
   
-
 
Total
 
$
359,639
  
$
2,158
  
$
-
  
$
3,211
  
$
-
  
$
-
 

  
December 31, 2019
 
  
Pass
  
Watch
  
Special Mention
  
Substandard
  
Doubtful
  
Loss
 
  
(In thousands)
 
Single family
 
$
73,094
  
$
-
  
$
-
  
$
18
  
$
-
  
$
-
 
Multi-family
  
288,251
   
411
   
-
   
381
   
-
   
-
 
Commercial real estate
  
14,818
   
-
   
-
   
-
   
-
   
-
 
Church
  
16,546
   
411
   
-
   
3,691
   
-
   
-
 
Construction
  
3,125
   
-
   
-
   
-
   
-
   
-
 
Commercial - other
  
199
   
-
   
-
   
63
   
-
   
-
 
Consumer
  
21
   
-
   
-
   
-
   
-
   
-
 
Total
 
$
396,054
  
$
822
  
$
-
  
$
4,153
  
$
-
  
$
-
 
Based on the most recent analysis performed, the risk categories of loans by loan type as of the periods indicated were as follows:
 
  
December 31, 2019
 
  
Pass
  
Watch
  
Special Mention
  
Substandard
  
Doubtful
  
Loss
 
  
(In thousands)
 
Single family
 
$
73,094
  
$
-
  
$
-
  
$
18
  
$
-
  
$
-
 
Multi-family
  
288,251
   
411
   
-
   
381
   
-
   
-
 
Commercial real estate
  
14,818
   
-
   
-
   
-
   
-
   
-
 
Church
  
16,546
   
411
   
-
   
3 691
   
-
   
-
 
Construction
  
3,125
   
-
   
-
   
-
   
-
   
-
 
Commercial – other
  
199
   
-
   
-
   
63
   
-
   
-
 
Consumer
  
21
   
-
   
-
   
-
   
-
   
-
 
Total
 
$
396,054
  
$
822
  
$
-
  
$
4,153
  
$
-
  
$
-
 
 
  
December 31, 2018
 
  
Pass
  
Watch
  
Special Mention
  
Substandard
  
Doubtful
  
Loss
 
  
(In thousands)
 
Single family
 
$
92,132
  
$
-
  
$
35
  
$
10
  
$
-
  
$
-
 
Multi-family
  
232,642
   
-
   
-
   
667
   
-
   
-
 
Commercial real estate
  
5,800
   
-
   
-
   
-
   
-
   
-
 
Church
  
19,678
   
672
   
-
   
4,746
   
-
   
-
 
Construction
  
1,872
   
-
   
-
   
-
   
-
   
-
 
Commercial – other
  
162
   
-
   
-
   
64
   
-
   
-
 
Consumer
  
5
   
-
   
-
   
-
   
-
   
-
 
Total
 
$
352,291
  
$
672
  
$
35
  
$
5,487
  
$
-
  
$
-