
	June 30, 2020
		Balance	% of Total Loans

CRE ⁽¹⁾
Skilled Nursing Facilities	$	538,705	18.6%
Multi-family		393,342	13.6%
Retail		218,133	7.5%
Mixed use		209,362	7.2%
Office		162,528	5.6%
Hospitality		158,379	5.5%
Construction		59,378	2.1%
Other		546,709	18.9%
Total CRE	$	2,286,535	79.1%

C&I ⁽²⁾
Healthcare	$	107,486	3.7%
Skilled Nursing Facilities		110,906	3.8%
Finance & Insurance		100,538	3.5%
Wholesale		24,578	0.8%
Manufacturing		17,384	0.6%
Transportation		13,661	0.5%
Retail		4,200	0.1%
Recreation & Restaurants		1,843	0.1%
Other		42,309	1.5%
Total C&I	$	422,905	14.6%

(1)	Commercial real estate, not including one-to-four family loans

(2)	Net of participations, premiums and overdraft adjustments

Schedule of allowance for loan losses and the recorded investment in loans by portfolio segment

The following tables present the balance in the ALLL and the recorded investment in loans by portfolio segment, including the impact of COVID-19, based on impairment method as of June 30, 2020 and December 31, 2019 (in thousands):


	Commercial		Commercial				Multi		One-to-four
At June 30, 2020	Real Estate		& Industrial		Construction		Family		Family		Consumer		Total
Allowance for loan losses:
Individually evaluated for impairment	$	—	$	1,408	$	—	$	—	$	58	$	527	$	1,993
Collectively evaluated for impairment		18,690		7,724		741		2,739		184		434		30,512
Total ending allowance balance	$	18,690	$	9,132	$	741	$	2,739	$	242	$	961	$	32,505
Loans:
Individually evaluated for impairment	$	363	$	6,482	$	—	$	—	$	1,016	$	1,926	$	9,787
Collectively evaluated for impairment		1,875,401		437,783		59,378		393,342		67,310		54,291		2,887,505
Total ending loan balance	$	1,875,764	$	444,265	$	59,378	$	393,342	$	68,326	$	56,217	$	2,897,292


	Commercial		Commercial				Multi		One-to-four
At December 31, 2019	Real Estate		& Industrial		Construction		Family		Family		Consumer		Total
Allowance for loan losses:
Individually evaluated for impairment	$	—	$	805	$	—	$	—	$	64	$	311	$	1,180
Collectively evaluated for impairment		15,317		6,265		411		2,453		203		443		25,092
Total ending allowance balance	$	15,317	$	7,070	$	411	$	2,453	$	267	$	754	$	26,272
Loans:
Individually evaluated for impairment	$	367	$	1,047	$	—	$	—	$	3,384	$	728	$	5,526
Collectively evaluated for impairment		1,667,869		447,572		30,827		375,611		79,286		71,228		2,672,393
Total ending loan balance	$	1,668,236	$	448,619	$	30,827	$	375,611	$	82,670	$	71,956	$	2,677,919

Schedule of average recorded investment and interest income of loans


	Average Recorded		Interest Income
Three months ended June 30, 2020	Investment		Recognized
With an allowance recorded:
One-to-four family	$	494	$	3
Consumer		1,147		27
Commercial & industrial		3,765		—
Total	$	5,406	$	30

Without an allowance recorded:
One-to-four family	$	528	$	—
Commercial real estate		363		—
Commercial & industrial		2,377		—
Total	$	3,268	$	—


	Average Recorded		Interest Income
Three months ended June 30, 2019	Investment		Recognized
With an allowance recorded:
One-to-four family	$	521	$	7
Consumer		91		2
Total	$	612	$	9

Without an allowance recorded:
One-to-four family	$	1,732	$	79
Commercial real estate		377		4
Total	$	2,109	$	83


	Average Recorded		Interest Income
Six months ended June 30, 2020	Investment		Recognized
With an allowance recorded:
One-to-four family	$	497	$	8
Consumer		1,008		31
Commercial & industrial		2,859		—
Total	$	4,364	$	39

Without an allowance recorded:
One-to-four family	$	1,312	$	10
Commercial real estate		364		4
Total	$	1,676	$	14


	Average Recorded		Interest Income
Six months ended June 30, 2019	Investment		Recognized
With an allowance recorded:
One-to-four family	$	347	$	10
Consumer		90		4
Total	$	437	$	14

Without an allowance recorded:
One-to-four family	$	3,891	$	90
Commercial real estate		379		8
Total	$	4,270	$	98

Schedule of aging of the recorded investment in past due loans by class of loans


					Greater
	30-59		60-89		than 90		Total past		Current
At June 30, 2020	Days		Days		days		due		loans		Total
Commercial real estate	$	6,400	$	—	$	—	$	6,400	$	1,869,364	$	1,875,764
Commercial & industrial		18		2		6,536		6,556		437,709		444,265
Construction		—		—		—		—		59,378		59,378
Multifamily		—		—		—		—		393,342		393,342
One-to-four family		—		—		—		—		68,326		68,326
Consumer		68		25		1,912		2,005		54,212		56,217
Total	$	6,486	$	27	$	8,448	$	14,961	$	2,882,331	$	2,897,292


					Greater
	30-59		60-89		than 90		Total past		Current
At December 31, 2019	Days		Days		days		due		loans		Total
Commercial real estate	$	—	$	—	$	—	$	—	$	1,668,236	$	1,668,236
Commercial & industrial		346		—		1,455		1,801		446,818		448,619
Construction		—		—		—		—		30,827		30,827
Multifamily		—		—		—		—		375,611		375,611
One-to-four family		—		—		—		—		82,670		82,670
Consumer		636		14		693		1,343		70,613		71,956
Total	$	982	$	14	$	2,148	$	3,144	$	2,674,775	$	2,677,919

Schedule of risk category of loans by class of loans


			Special
At June 30, 2020	Pass		Mention		Substandard		Doubtful			Total
Commercial real estate	$	1,875,401	$	363	$	—	$	—	$	1,875,764
Commercial & industrial		437,729		—		5,489		1,047		444,265
Construction		59,378		—		—		—		59,378
Multifamily		393,342		—		—		—		393,342
Total	$	2,765,850	$	363	$	5,489	$	1,047	$	2,772,749


			Special
At December 31, 2019	Pass		Mention		Substandard		Doubtful			Total
Commercial real estate	$	1,667,869	$	367	$	—	$	—	$	1,668,236
Commercial & industrial		446,612		—		960		1,047		448,619
Construction		30,827		—		—		—		30,827
Multi-family		375,611		—		—		—		375,611
Total	$	2,520,919	$	367	$	960	$	1,047	$	2,523,293