LOANS AND ALLOWANCE FOR LOAN LOSSES (Tables)

12 Months Ended

Sep. 30, 2021

Loans and Allowance for Loan Losses

Schedule of Loans

Loans at September 30, 2021 and 2020 consisted of the following:

(In thousands)	2021		2020
Real estate mortgage:
1-4 family residential	$	241,425	$	191,781
Commercial		149,600		141,522
Single tenant net lease		403,692		334,636
SBA		62,805		55,508
Multifamily residential		40,324		42,368
Residential construction		8,330		9,361
Commercial construction		2,717		6,941
Land and land development		10,217		9,403
Commercial business		59,883		60,513
SBA commercial business (1)		80,400		206,807
Consumer		30,563		50,576
Total loans		1,089,956		1,109,416
Deferred loan origination fees and costs, net (2)		281		(2,327)
Allowance for loan losses		(14,301)		(17,026)
Loans, net	$	1,075,936	$	1,090,063

(1)   Includes $56.7 million and $180.6 million of PPP loans at September 30, 2021 and 2020, respectively.

(2)   Includes $757,000 and $3.2 million of net deferred loan fees related to PPP loans at September 30, 2021 and 2020, respectively.

Summary of Activity for Related Party Loans

The following is a summary of activity for related party loans for the years ended September 30, 2021 and 2020:

(In thousands)	2021		2020
Beginning balance	$	7,716	$	9,115
New loans and advances		4,832		8,438
Repayments		(2,601)		(4,162)
Loans sold		(2,992)		(4,250)
Reclassifications due to officer and director changes		(980)		(1,425)
Ending balance	$	5,975	$	7,716

Schedule of Components of Recorded Investment in Loans

(4 – continued)

The following table provides the components of the recorded investment in loans as of September 30, 2021:

	Principal		Accrued		Net Deferred		Recorded
	Loan		Interest		Loan Origination		Investment
Recorded Investment in Loans:	Balance		Receivable		Fees and Costs		in Loans
	(In thousands)
Residential real estate	$	241,425	$	821	$	24	$	242,270
Commercial real estate		149,600		563		(208)		149,955
Single tenant net lease		403,692		1,369		(123)		404,938
SBA commercial real estate		62,805		475		1,106		64,386
Multifamily		40,324		76		(47)		40,353
Residential construction		8,330		14		(49)		8,295
Commercial construction		2,717		6		(28)		2,695
Land and land development		10,217		18		(6)		10,229
Commercial business		59,883		171		49		60,103
SBA commercial business		80,400		791		(420)		80,771
Consumer		30,563		94		(17)		30,640
	$	1,089,956	$	4,398	$	281	$	1,094,635

	Individually		Collectively		Recorded
	Evaluated for		Evaluated for		Investment in
Recorded Investment in Loans as Evaluated for Impairment:	Impairment		Impairment		Loans
	(In thousands)
Residential real estate	$	3,067	$	239,203	$	242,270
Commercial real estate		1,021		148,934		149,955
Single tenant net lease		—		404,938		404,938
SBA commercial real estate		9,153		55,233		64,386
Multifamily		482		39,871		40,353
Residential construction		—		8,295		8,295
Commercial construction		—		2,695		2,695
Land and land development		—		10,229		10,229
Commercial business		1,476		58,627		60,103
SBA commercial business		1,296		79,475		80,771
Consumer		248		30,392		30,640
	$	16,743	$	1,077,892	$	1,094,635

(4 – continued)

The following table provides the components of the recorded investment in loans as of September 30, 2020:

					Net Deferred
			Accrued		Loan		Recorded
	Principal Loan		Interest		Origination		Investment
Recorded Investment in Loans:	Balance		Receivable		Fees and Costs		in Loans
	(In thousands)
Residential real estate	$	191,781	$	644	$	(156)	$	192,269
Commercial real estate		141,522		812		(197)		142,137
Single tenant net lease		334,636		1,198		(234)		335,600
SBA commercial real estate		55,508		387		1,082		56,977
Multifamily		42,368		139		(37)		42,470
Residential construction		9,361		25		(28)		9,358
Commercial construction		6,941		24		(26)		6,939
Land and land development		9,403		20		(11)		9,412
Commercial business		60,513		186		43		60,742
SBA commercial business		206,807		975		(2,740)		205,042
Consumer		50,576		175		(23)		50,728
	$	1,109,416	$	4,585	$	(2,327)	$	1,111,674

	Individually		Collectively		Recorded
	Evaluated for		Evaluated for		Investment in
Recorded Investment in Loans as Evaluated for Impairment:	Impairment		Impairment		Loans
	(In thousands)
Residential real estate	$	5,359	$	186,910	$	192,269
Commercial real estate		1,134		141,003		142,137
Single tenant net lease		—		335,600		335,600
SBA commercial real estate		6,927		50,050		56,977
Multifamily		698		41,772		42,470
Residential construction		—		9,358		9,358
Commercial construction		—		6,939		6,939
Land and land development		2		9,410		9,412
Commercial business		1,670		59,072		60,742
SBA commercial business		695		204,347		205,042
Consumer		199		50,529		50,728
	$	16,684	$	1,094,990	$	1,111,674

Schedule of Allowance for Loan Losses

The following table presents the balance in the allowance for loan losses by portfolio segment and based on impairment method as of September 30, 2021 and 2020:

	Individually		Collectively
	Evaluated for		Evaluated for		Ending
	Impairment		Impairment		Balance
	(In thousands)
2021:
Residential real estate	$	—	$	1,438	$	1,438
Commercial real estate		—		2,806		2,806
Single tenant net lease		—		2,422		2,422
SBA commercial real estate		114		3,361		3,475
Multifamily		—		518		518
Residential construction		—		191		191
Commercial construction		—		63		63
Land and land development		—		235		235
Commercial business		—		1,284		1,284
SBA commercial business		18		1,328		1,346
Consumer		1		522		523
	$	133	$	14,168	$	14,301
2020:
Residential real estate	$	30	$	1,225	$	1,255
Commercial real estate		—		3,058		3,058
Single tenant net lease		—		3,017		3,017
SBA commercial real estate		1,366		2,788		4,154
Multifamily		—		772		772
Residential construction		—		243		243
Commercial construction		—		181		181
Land and land development		—		243		243
Commercial business		—		1,449		1,449
SBA commercial business		47		1,492		1,539
Consumer		—		1,115		1,115
	$	1,443	$	15,583	$	17,026

(4 – continued)

The following table presents the activity in the allowance for loan losses by portfolio segment for the years ended September 30, 2021 and 2020:

	Beginning		Provisions						Ending
	Balance		(Credits)		Charge-Offs		Recoveries		Balance
	(In thousands)
2021:
Residential real estate	$	1,255	$	170	$	(11)	$	24	$	1,438
Commercial real estate		3,058		(252)		—		—		2,806
Single tenant net lease		3,017		(595)		—		—		2,422
SBA commercial real estate		4,154		234		(936)		23		3,475
Multifamily		772		(254)		—		—		518
Residential construction		243		(52)		—		—		191
Commercial construction		181		(118)		—		—		63
Land and land development		243		(8)		—		—		235
Commercial business		1,449		(170)		—		5		1,284
SBA commercial business		1,539		(211)		(21)		39		1,346
Consumer		1,115		(511)		(156)		75		523
	$	17,026	$	(1,767)	$	(1,124)	$	166	$	14,301
2020:
Residential real estate	$	317	$	945	$	(36)	$	29	$	1,255
Commercial real estate		2,540		614		(102)		6		3,058
Single tenant net lease		1,675		1,342		—		—		3,017
SBA commercial real estate		2,293		2,175		(360)		46		4,154
Multifamily		478		294		—		—		772
Residential construction		248		(5)		—		—		243
Commercial construction		67		114		—		—		181
Land and land development		209		28		—		6		243
Commercial business		889		567		(38)		31		1,449
SBA commercial business		750		1,109		(396)		76		1,539
Consumer		574		779		(238)		—		1,115
	$	10,040	$	7,962	$	(1,170)	$	194	$	17,026

(4 – continued)

The following table presents the activity in the allowance for loan losses by portfolio segment for the year ended September 30, 2019:

	Beginning		Provisions
	Balance		(Credits)		Charge-Offs		Recoveries		Ending Balance
	(In thousands)
2019:
Residential real estate	$	278	$	30	$	(21)	$	30	$	317
Commercial real estate		2,493		45		—		2		2,540
Single tenant net lease		2,843		(1,168)		—		—		1,675
SBA commercial real estate		1,581		1,286		(574)		—		2,293
Multifamily		195		283		—		—		478
Residential construction		388		(140)		—		—		248
Commercial construction		96		(29)		—		—		67
Land and land development		210		(1)		—		—		209
Commercial business		647		237		(8)		13		889
SBA commercial business		394		427		(71)		—		750
Consumer		198		493		(174)		57		574
	$	9,323	$	1,463	$	(848)	$	102	$	10,040

Schedule of Impaired Loans Individually Evaluated for Impairment

(4 – continued)

The following table presents impaired loans individually evaluated for impairment as of and for the year ended September 30, 2021. The Company did not recognize any interest income on impaired loans using the cash receipts method of accounting for the year ended September 30, 2021.

			Unpaid				Average		Interest
	Recorded		Principal		Related		Recorded		Income
	Investment		Balance		Allowance		Investment		Recognized
	(In thousands)
Loans with no related allowance recorded:
Residential real estate	$	3,002	$	3,551	$	—	$	4,383	$	68
Commercial real estate		1,021		1,092		—		1,148		29
Single tenant net lease		—		—		—		—		—
SBA commercial real estate		8,184		8,873		—		4,738		—
Multifamily		482		539		—		638		—
Residential construction		—		—		—		—		—
Commercial construction		—		—		—		—		—
Land and land development		—		—		—		1		—
Commercial business		1,476		1,559		—		1,664		3
SBA commercial business		1,278		1,534		—		820		—
Consumer		103		97		—		90		2
	$	15,546	$	17,245	$	—	$	13,482	$	102
Loans with an allowance recorded:
Residential real estate	$	65	$	65	$	—	$	108	$	—
Commercial real estate		—		—		—		—		—
Single tenant net lease		—		—		—		—		—
SBA commercial real estate		969		1,394		114		3,389		—
Multifamily		—		—		—		—		—
Residential construction		—		—		—		—		—
Commercial construction		—		—		—		—		—
Land and land development		—		—		—		—		—
Commercial business		—		—		—		1		—
SBA commercial business		18		21		18		248		—
Consumer		145		144		1		169		—
	$	1,197	$	1,624	$	133	$	3,915	$	—
Total:
Residential real estate	$	3,067	$	3,616	$	—	$	4,491	$	68
Commercial real estate		1,021		1,092		—		1,148		29
Single tenant net lease		—		—		—		—		—
SBA commercial real estate		9,153		10,267		114		8,127		—
Multifamily		482		539		—		638		—
Residential construction		—		—		—		—		—
Commercial construction		—		—		—		—		—
Land and land development		—		—		—		1		—
Commercial business		1,476		1,559		—		1,665		3
SBA commercial business		1,296		1,555		18		1,068		—
Consumer		248		241		1		259		2
	$	16,743	$	18,869	$	133	$	17,397	$	102

(4 – continued)

The following table presents impaired loans individually evaluated for impairment as of and for the year ended September 30, 2020. The Company did not recognize any interest income on impaired loans using the cash receipts method of accounting for the year ended September 30, 2020.

			Unpaid				Average		Interest
	Recorded		Principal		Related		Recorded		Income
	Investment		Balance		Allowance		Investment		Recognized
	(In thousands)
Loans with no related allowance recorded:
Residential real estate	$	5,185	$	5,697	$	—	$	5,411	$	127
Commercial real estate		1,134		1,185		—		3,914		167
Single tenant net lease		—		—		—		—		—
SBA commercial real estate		1,245		1,178		—		586		—
Multifamily		698		700		—		421		—
Residential construction		—		—		—		—		—
Commercial construction		—		—		—		—		—
Land and land development		2		1		—		1		—
Commercial business		1,670		1,675		—		745		1
SBA commercial business		322		416		—		250		—
Consumer		61		63		—		72		3
	$	10,317	$	10,915	$	—	$	11,400	$	298
Loans with an allowance recorded:
Residential real estate	$	174	$	175	$	30	$	59	$	—
Commercial real estate		—		—		—		20		—
Single tenant net lease		—		—		—		—		—
SBA commercial real estate		5,682		6,086		1,366		5,048		—
Multifamily		—		—		—		—		—
Residential construction		—		—		—		—		—
Commercial construction		—		—		—		—		—
Land and land development		—		—		—		—		—
Commercial business		—		—		—		328		—
SBA commercial business		373		399		47		143		—
Consumer		138		138		—		154		—
	$	6,367	$	6,798	$	1,443	$	5,752	$	—
Total:
Residential real estate	$	5,359	$	5,872	$	30	$	5,470	$	127
Commercial real estate		1,134		1,185		—		3,934		167
Single tenant net lease		—		—		—		—		—
SBA commercial real estate		6,927		7,264		1,366		5,634		—
Multifamily		698		700		—		421		—
Residential construction		—		—		—		—		—
Commercial construction		—		—		—		—		—
Land and land development		2		1		—		1		—
Commercial business		1,670		1,675		—		1,073		1
SBA commercial business		695		815		47		393		—
Consumer		199		201		—		226		3
	$	16,684	$	17,713	$	1,443	$	17,152	$	298

(4 – continued)

The following table presents impaired loans individually evaluated for impairment as of and for the year ended September 30, 2019. The Company did not recognize any interest income on impaired loans using the cash receipts method of accounting for the year ended September 30, 2019.

			Unpaid				Average		Interest
	Recorded		Principal		Related		Recorded		Income
	Investment		Balance		Allowance		Investment		Recognized
	(In thousands)
Loans with no related allowance recorded:
Residential real estate	$	4,438	$	4,967	$	—	$	5,037	$	115
Commercial real estate		5,282		5,264		—		6,225		305
Single tenant net lease		—		—		—		—		—
SBA commercial real estate		119		144		—		112		—
Multifamily		—		—		—		—		—
Residential construction		—		—		—		—		—
Commercial construction		—		—		—		—		—
Land and land development		—		—		—		6		—
Commercial business		105		106		—		183		7
SBA commercial business		—		—		—		32		—
Consumer		78		81		—		107		4
	$	10,022	$	10,562	$	—	$	11,702	$	431
Loans with an allowance recorded:
Residential real estate	$	10	$	7	$	10	$	122	$	—
Commercial real estate		—		—		—		10		—
Single tenant net lease		—		—		—		—		—
SBA commercial real estate		2,246		2,637		512		2,116		—
Multifamily		—		—		—		—		—
Residential construction		—		—		—		—		—
Commercial construction		—		—		—		—		—
Land and land development		—		—		—		—		—
Commercial business		—		—		—		10		—
SBA commercial business		—		—		—		18		—
Consumer		156		155		23		157		—
	$	2,412	$	2,799	$	545	$	2,433	$	—
Total:
Residential real estate	$	4,448	$	4,974	$	10	$	5,159	$	115
Commercial real estate		5,282		5,264		—		6,235		305
Single tenant net lease		—		—		—		—		—
SBA commercial real estate		2,365		2,781		512		2,228		—
Multifamily		—		—		—		—		—
Residential construction		—		—		—		—		—
Commercial construction		—		—		—		—		—
Land and land development		—		—		—		6		—
Commercial business		105		106		—		193		7
SBA commercial business		—		—		—		50		—
Consumer		234		236		23		264		4
	$	12,434	$	13,361	$	545	$	14,135	$	431

Schedule of Nonperforming Loans

(4 – continued)

Nonperforming loans consist of nonaccrual loans and loans over 90 days past due and still accruing interest. The following table presents the recorded investment in nonperforming loans at September 30, 2021 and 2020:

	At September 30, 2021						At September 30, 2020
			Loans 90+						Loans 90+
			Days		Total				Days		Total
	Nonaccrual		Past Due		Nonperforming		Nonaccrual		Past Due		Nonperforming
	Loans		Still Accruing		Loans		Loans		Still Accruing		Loans
	(In thousands)
Residential real estate	$	1,894	$	—	$	1,894	$	2,797	$	—	$	2,797
Commercial real estate		599		—		599		685		—		685
Single tenant net lease		—		—		—		—		—		—
SBA commercial real estate		9,153		472		9,625		6,927		—		6,927
Multifamily		482		—		482		698		—		698
Residential construction		—		—		—		—		—		—
Commercial construction		—		—		—		—		—		—
Land and land development		—		—		—		2		—		2
Commercial business		1,370		—		1,370		1,668		—		1,668
SBA commercial business		1,296		—		1,296		695		—		695
Consumer		206		—		206		143		—		143
Total	$	15,000	$	472	$	15,472	$	13,615	$	—	$	13,615

Schedule of Aging of Recorded Investment in Past Due Loans

The following table presents the aging of the recorded investment in past due loans at September 30, 2021:

	30-59 Days		60-89 Days		90+ Days		Total				Total
	Past Due		Past Due		Past Due		Past Due		Current		Loans
	(In thousands)
Residential real estate	$	818	$	352	$	347	$	1,517	$	240,753	$	242,270
Commercial real estate		—		—		599		599		149,356		149,955
Single tenant net lease		—		—		—		—		404,938		404,938
SBA commercial real estate		—		208		4,990		5,198		59,188		64,386
Multifamily		—		—		—		—		40,353		40,353
Residential construction		—		—		—		—		8,295		8,295
Commercial construction		—		—		—		—		2,695		2,695
Land and land development		—		—		—		—		10,229		10,229
Commercial business		—		—		3		3		60,100		60,103
SBA commercial business		18		104		848		970		79,801		80,771
Consumer		33		20		70		123		30,517		30,640
Total	$	869	$	684	$	6,857	$	8,410	$	1,086,225	$	1,094,635

(4 – continued)

The following table presents the aging of the recorded investment in past due loans at September 30, 2020:

	30-59 Days		60-89 Days		90+ Days		Total				Total
	Past Due		Past Due		Past Due		Past Due		Current		Loans
	(In thousands)
Residential real estate	$	1,693	$	480	$	1,631	$	3,804	$	188,465	$	192,269
Commercial real estate		109		—		685		794		141,343		142,137
Single tenant net lease		—		—		—		—		335,600		335,600
SBA commercial real estate		—		—		1,874		1,874		55,103		56,977
Multifamily		—		—		—		—		42,470		42,470
Residential construction		—		—		—		—		9,358		9,358
Commercial construction		—		—		—		—		6,939		6,939
Land and land development		—		—		2		2		9,410		9,412
Commercial business		63		—		—		63		60,679		60,742
SBA commercial business		373		—		322		695		204,347		205,042
Consumer		233		59		4		296		50,432		50,728
Total	$	2,471	$	539	$	4,518	$	7,528	$	1,104,146	$	1,111,674

Schedule of Investment in Loans by Risk Category

			Special
September 30, 2021:	Pass		Mention		Substandard		Doubtful		Loss		Total
	(In thousands)
Residential real estate	$	240,078	$	—	$	2,018	$	174	$	—	$	242,270
Commercial real estate		143,031		4,059		2,865		—		—		149,955
Single tenant net lease		404,938		—		—		—		—		404,938
SBA commercial real estate		45,465		5,343		10,339		3,239		—		64,386
Multifamily		39,871		—		482		—		—		40,353
Residential construction		8,295		—		—		—		—		8,295
Commercial construction		2,695		—		—		—		—		2,695
Land and land development		10,229		—		—		—		—		10,229
Commercial business		58,583		—		1,520		—		—		60,103
SBA commercial business		70,019		6,914		3,808		30		—		80,771
Consumer		30,570		—		70		—		—		30,640
Total	$	1,053,774	$	16,316	$	21,102	$	3,443	$	—	$	1,094,635

The following table presents the recorded investment in loans by risk category as of September 30, 2020:

			Special
September 30, 2020:	Pass		Mention		Substandard		Doubtful		Loss		Total
	(In thousands)
Residential real estate	$	188,707	$	—	$	3,435	$	127	$	—	$	192,269
Commercial real estate		133,685		4,112		4,340		—		—		142,137
Single tenant net lease		335,600		—		—		—		—		335,600
SBA commercial real estate		38,124		6,518		12,335		—		—		56,977
Multifamily		41,772		—		698		—		—		42,470
Residential construction		9,358		—		—		—		—		9,358
Commercial construction		6,939		—		—		—		—		6,939
Land and land development		9,410		—		2		—		—		9,412
Commercial business		58,707		235		1,800		—		—		60,742
SBA commercial business		200,578		294		4,170		—		—		205,042
Consumer		50,701		—		27		—		—		50,728
Total	$	1,073,581	$	11,159	$	26,807	$	127	$	—	$	1,111,674

Schedule of Investment in Troubled Debt Restructurings by Class of Loan and Accrual Status

The following table summarizes TDRs by accrual status at September 30, 2021 and 2020. There was no specific reserve included in the allowance for loan losses related to TDRs at September 30, 2021. There was $538,000 of specific reserve included in the allowance for loan losses related to TDRs at September 30, 2020.

	Accruing		Nonaccrual		Total
	(In thousands)
September 30,  2021:
Residential real estate	$	1,173	$	—	$	1,173
Commercial real estate		422		465		887
SBA commercial real estate		—		3,240		3,240
Multifamily		—		482		482
Commercial business		106		1,367		1,473
Consumer		42		—		42
Total	$	1,743	$	5,554	$	7,297
September 30,  2020:
Residential real estate	$	2,562	$	116	$	2,678
Commercial real estate		449		512		961
SBA commercial real estate		—		3,800		3,800
Multifamily		—		698		698
Commercial business		2		1,668		1,670
Consumer		56		—		56
Total	$	3,069	$	6,794	$	9,863

Schedule of Troubled Debt Restructurings

(4 – continued)

There were no TDRs that were restructured during the year ended September 30, 2019. The following table summarizes information in regard to TDRs that were restructured during the years ended September 30, 2021 and 2020.

		Pre-		Post-
		Modification		Modification
	Number of	Principal		Principal
	Loans	Balance		Balance
		(Dollars in thousands)
September 30, 2021:
Commercial business	1	$	126	$	126
Total	1	$	126	$	126
September 30, 2020:
Residential real estate	1	$	1,099	$	1,100
SBA commercial real estate	1		3,832		3,832
Multifamily	2		700		700
Commercial business	9		1,737		1,737
Total	13	$	7,368	$	7,369

Schedule Of Loan Servicing Fees [Table Text Block]

(In thousands)	2021		2020		2019
Late fees and ancillary fees earned	$	88	$	54	$	41
Net servicing income		2,171		1,806		1,245
SBA net servicing fees	$	2,259	$	1,860	$	1,286

Schedule of Valuation Allowance for Impairment of Recognized Servicing Assets

An analysis of the valuation allowance related to SBA loan servicing rights for the years ended September 30, 2021, 2020 and 2019 is as follows:

(In thousands)	2021		2020		2019
Balance as of October 1	$	32	$	148	$	177
Additions (reductions) charged to earnings		66		(116)		113
Write-downs charged against allowance		(92)		—		(142)
Balance as of September 30	$	6	$	32	$	148

SBA Loan Servicing Rights [Member]

Loans and Allowance for Loan Losses

Schedule of Loan Servicing Rights

An analysis of SBA loan servicing rights for the years ended September 30, 2021, 2020 and 2019 is as follows:

(In thousands)	2021		2020		2019
Balance as of October 1	$	3,748	$	3,030	$	2,405
Servicing rights capitalized		1,980		1,450		1,334
Amortization		(1,215)		(848)		(596)
Direct write-offs		(92)		—		(142)
Change in valuation allowance		26		116		29
Balance as of September 30	$	4,447	$	3,748	$	3,030

Schedule of Key Assumptions Used to Estimate The Fair Value

	Range of Assumption (Weighted Average)
Assumption	2021	2020
Discount rate	4.57% to 22.34% (9.97%)	3.58% to 19.86% (8.36%)
Prepayment rate	8.30% to 24.51% (15.98%)	8.69% to 26.68% (17.46%)

Mortgage Servicing Rights [Member]

Loans and Allowance for Loan Losses

Schedule of Loan Servicing Rights

Changes in the carrying value of MSRs accounted for at fair value for the years ended September 30, 2021, 2020 and 2019 were as follows:

(In thousands)	2021		2020		2019
Fair value as of October 1	$	21,703	$	934	$	—
Servicing rights capitalized		36,679		24,058		940
Changes in fair value related to:
Loan repayments		(9,555)		(1,542)		(6)
Changes in valuation model inputs or assumptions		752		(1,747)		—
Fair value as of September 30	$	49,579	$	21,703	$	934

Schedule of Key Assumptions Used to Estimate The Fair Value

Assumption	Range of Assumption (Weighted Average)
	2021	2020
Discount rate	8.50% to 10.00% (8.51%)	9.25%
Prepayment rate	6.04% to 43.27% (10.00%)	2.99% to 86.98% (18.08%)