	September 30,			December 31,
	2019			2018
	(Dollars in thousands)
Commercial loans
Multifamily	$	166,027		$	134,143
Nonresidential		409,687			409,979
Land		19,653			16,830
Construction		127,388			141,686
Secured		264,704			233,306
Unsecured		6,588			6,987
Total commercial loans		994,047			942,931
Residential mortgage loans
One-to four-family		938,899			927,255
Construction		44,636			43,435
Total residential mortgage loans		983,535			970,690
Consumer loans
Home equity		183,622			185,661
Auto		87,061			78,686
Marine		1,065			1,206
Recreational vehicle		3,246			4,347
Other		8,647			7,141
Total consumer loans		283,641			277,041
Total loans		2,261,223			2,190,662
Less:
Allowance for loan losses		19,987			20,443
Deferred loan costs, net		(7,271	)		(6,623	)
Total		12,716			13,820
Loans, net	$	2,248,507		$	2,176,842

The following tables present the balance in the allowance for loan losses and the recorded investment in loans by portfolio segment and are based on impairment method as of September 30, 2019 and December 31, 2018 and activity for the three and nine months ended September 30, 2019 and 2018.

	Commercial Loans			Residential Loans			Consumer Loans			Total
	(Dollars in thousands)
For the three months ended September 30, 2019
Beginning balance	$	12,547		$	5,458		$	2,477		$	20,482
Provision (recovery)		422			154			125			701
Charge-offs		(896	)		(208	)		(211	)		(1,315	)
Recoveries		16			22			81			119
Ending balance	$	12,089		$	5,426		$	2,472		$	19,987
For the nine months ended September 30, 2019
Beginning balance	$	11,875		$	5,923		$	2,645		$	20,443
Provision		867			(336	)		181			712
Charge-offs		(985	)		(307	)		(651	)		(1,943	)
Recoveries		332			146			297			775
Ending balance	$	12,089		$	5,426		$	2,472		$	19,987
As of September 30, 2019
Period-end amount allocated to:
Loans individually evaluated for impairment	$	234		$	653		$	285			1,172
Loans collectively evaluated for impairment		11,855			4,773			2,187			18,815
Ending balance	$	12,089		$	5,426		$	2,472		$	19,987
Period-end balances:
Loans individually evaluated for impairment		4,702			11,943			5,050			21,695
Loans collectively evaluated for impairment		989,345			971,592			278,591			2,239,528
Ending balance	$	994,047		$	983,535		$	283,641		$	2,261,223

Allowance For Loan Losses

	Commercial Loans			Residential Loans			Consumer Loans			Total
For the three months ended September 30, 2018
Beginning balance	$	12,808		$	5,867		$	2,730		$	21,405
Provision (recovery)		(128	)		255			124			251
Charge-offs		(303	)		(203	)		(141	)		(647	)
Recoveries		205			62			56			323
Ending balance	$	12,582		$	5,981		$	2,769		$	21,332
For the nine months ended September 30, 2018
Beginning balance	$	12,542		$	5,860		$	2,800		$	21,202
Provision		5			342			173			520
Charge-offs		(378	)		(384	)		(410	)		(1,172	)
Recoveries		413			163			206			782
Ending balance	$	12,582		$	5,981		$	2,769		$	21,332
As of December 31, 2018
Period-end amount allocated to:
Loans individually evaluated for impairment	$	103		$	798		$	300			1,201
Loans collectively evaluated for impairment		11,772			5,125			2,345			19,242
Ending balance	$	11,875		$	5,923		$	2,645		$	20,443
Period-end balances:
Loans individually evaluated for impairment		2,017			13,086			5,491			20,594
Loans collectively evaluated for impairment		940,914			957,604			271,550			2,170,068
Ending balance	$	942,931		$	970,690		$	277,041		$	2,190,662

The allowance for loan losses is a valuation allowance for probable incurred credit losses. Loan losses are charged against the allowance when management believes the uncollectibility of a loan balance is confirmed. Subsequent recoveries, if any, are credited to the allowance. Management estimates the allowance balance required based on an analysis using past loan loss experience, the nature and volume of the portfolio, information about specific borrower situations, estimated collateral values, general economic conditions in the market area and other factors. Allocations of the allowance may be made for specific loans, but the entire allowance is available for any loan that, in management’s judgment, should be charged-off.

Other loans not reviewed specifically by management are evaluated as a homogenous group of loans (generally single-family residential mortgage loans and all consumer credits except marine loans) using a loss factor applied to the outstanding loan balance to determine the level of reserve required. This loss factor consists of two components, a quantitative and a qualitative component. The quantitative component is based on a historical analysis of all charged-off loans, net of recoveries. In determining the qualitative factors, consideration is given to such attributes as lending policies, economic conditions, nature and volume of the portfolio, management, loan quality trend, loan review, collateral value, concentrations, economic cycles and other external factors. As of September 30, 2019, the Company evaluated 29 quarters of net charge-off history and applied this information to the current period. This component is combined with the qualitative component to arrive at the loss factor, which is applied to the outstanding balance of homogenous loans.

The following table presents loans individually evaluated for impairment by class of loans as of and for nine months ended September 30, 2019:

	Unpaid Principal Balance		Recorded Investment		Allowance for Loan Losses Allocated		Average Recorded Investment		Interest Income Recognized		Cash Basis Income Recognized
With no specific allowance recorded
Commercial loans
Multifamily	$	152	$	—	$	—	$	43	$	1	$	1
Nonresidential		3,049		2,895		—		1,488		20		20
Land		—		—		—		—		—		—
Construction		2,445		—		—		—		—		—
Secured		1,464		353		—		88		2		2
Unsecured		474		—		—		—		—		—
Total commercial loans		7,584		3,248		—		1,619		23		23
Residential mortgage loans
One-to four-family		5,349		4,533		—		4,637		80		71
Construction		—		—		—		—		—		—
Total residential mortgage loans		5,349		4,533		—		4,637		80		71
Consumer loans
Home equity		1,003		890		—		906		10		9
Auto		140		123		—		45		3		3
Marine		354		105		—		115		—		—
Recreational vehicle		378		42		—		82		4		4
Other		—		—		—		—		—		—
Total consumer loans		1,875		1,160		—		1,148		17		16
Total	$	14,808	$	8,941	$	—	$	7,404	$	120	$	110
With a specific allowance recorded
Commercial loans
Multifamily	$	—	$	—	$	—	$	—	$	—	$	—
Nonresidential		827		827		132		1,183		75		67
Land		—		—		—		—		—		—
Construction		—		—		—		—		—		—
Secured		1,436		627		102		1,617		111		122
Unsecured		—		—		—		—		—		—
Total commercial loans		2,263		1,454		234		2,800		186		189
Residential mortgage loans
One-to four-family		7,541		7,410		653		7,910		329		291
Construction		—		—		—		—		—		—
Total residential mortgage loans		7,541		7,410		653		7,910		329		291
Consumer loans
Home equity		3,545		3,448		268		3,622		155		142
Auto		2		2		—		1		—		—
Marine		84		84		1		88		3		3
Recreational vehicle		403		356		16		325		17		16
Other		—		—		—		—		—		—
Total consumer loans		4,034		3,890		285		4,036		175		161
Total		13,838		12,754		1,172		14,746		690		641
Total impaired loans	$	28,646	$	21,695	$	1,172	$	22,150	$	810	$	751

The following table presents loans individually evaluated for impairment by class of loans as of and for nine months ended September 30, 2018:

	Unpaid Principal Balance		Recorded Investment		Allowance for Loan Losses Allocated		Average Recorded Investment		Interest Income Recognized		Cash Basis Income Recognized
With no specific allowance recorded
Commercial loans
Multifamily	$	25	$	—	$	—	$	—	$	—	$	—
Nonresidential		624		134		—		108		5		5
Land		—		—		—		5		—		—
Construction		2,447		—		—		—		—		—
Secured		1,169		921		—		906		1		1
Unsecured		474		—		—		—		8		8
Total commercial loans		4,739		1,055		—		1,019		14		14
Residential mortgage loans
One-to four-family		6,578		5,424		—		5,558		117		92
Construction		—		—		—		—		—		—
Total residential mortgage loans		6,578		5,424		—		5,558		117		92
Consumer loans
Home equity		1,262		1,044		—		1,076		17		15
Auto		26		19		—		29		1		1
Marine		553		181		—		181		—		—
Recreational vehicle		652		218		—		146		15		9
Other		21		21		—		10		1		1
Total consumer loans		2,514		1,483		—		1,442		34		26
Total	$	13,831	$	7,962	$	—	$	8,019	$	165	$	132
With a specific allowance recorded
Commercial loans
Multifamily	$	422	$	275	$	28	$	275	$	—	$	—
Nonresidential		1,216		1,210		13		1,320		65		65
Land		—		—		—		—		—		—
Construction		—		—		—		—		—		—
Secured		819		568		473		576		—		—
Unsecured		—		—		—		—		—		—
Total commercial loans		2,457		2,053		514		2,171		65		65
Residential mortgage loans
One-to four-family		8,455		8,340		817		9,430		378		291
Construction		—		—		—		—		—		—
Total residential mortgage loans		8,455		8,340		817		9,430		378		291
Consumer loans
Home equity		4,156		4,074		289		4,398		215		165
Auto		—		—		—		—		—		—
Marine		93		93		—		96		5		4
Recreational vehicle		287		275		17		364		17		13
Other		—		—		—		—		—		—
Total consumer loans		4,536		4,442		306		4,858		237		182
Total		15,448		14,835		1,637		16,459		680		538
Total impaired loans	$	29,279	$	22,797	$	1,637	$	24,478	$	845	$	670

The following table presents loans individually evaluated for impairment by class of loans as of December 31, 2018:

	Unpaid Principal Balance		Recorded Investment		Allowance for Loan Losses Allocated
With no specific allowance recorded
Commercial loans
Multifamily	$	443	$	170	$	—
Nonresidential		588		130		—
Land		—		—		—
Construction		2,447		—		—
Secured		806		—		—
Unsecured		474		—		—
Total commercial loans		4,758		300		—
Residential mortgage loans
One-to four-family		5,840		4,908		—
Construction		—		—		—
Total residential mortgage loans		5,840		4,908		—
Consumer loans
Home equity		1,084		957		—
Auto		25		17		—
Marine		502		145		—
Recreational vehicle		592		172		—
Other		—		—		—
Total consumer loans		2,203		1,291		—
Total	$	12,801	$	6,499	$	—
With a specific allowance recorded
Commercial loans
Multifamily	$	—	$	—	$	—
Nonresidential		1,186		1,186		12
Land		—		—		—
Construction		—		—		—
Secured		989		531		91
Unsecured		—		—		—
Total commercial loans		2,175		1,717		103
Residential mortgage loans
One-to four-family		8,298		8,178		798
Construction		—		—		—
Total residential mortgage loans		8,298		8,178		798
Consumer loans
Home equity		3,925		3,842		283
Auto		—		—		—
Marine		91		91		1
Recreational vehicle		279		267		16
Other		—		—		—
Total consumer loans		4,295		4,200		300
Total		14,768		14,095		1,201
Total impaired loans	$	27,569	$	20,594	$	1,201

The following table presents loans individually evaluated for impairment by class of loans for the three months ended September 30, 2019:

	Average Recorded Investment		Interest Income Recognized		Cash Basis Income Recognized
With no specific allowance recorded
Commercial loans
Multifamily	$	—			$	—
Nonresidential		2,848		3		3
Land		—		—		—
Construction		—		—		—
Secured		177		2		2
Unsecured		—		—		—
Total commercial loans		3,025		5		5
Residential mortgage loans
One-to four-family		4,663		16		16
Construction		—		—		—
Total residential mortgage loans		4,663		16		16
Consumer loans
Home equity		908		3		3
Auto		74		3		3
Marine		105		—		—
Recreational vehicle		46		—		—
Other		—		—		—
Total consumer loans		1,133		6		6
Total	$	8,821	$	27	$	27
With a specific allowance recorded
Commercial loans
Multifamily	$	—	$	—	$	—
Nonresidential		414		30		30
Land		—		—		—
Construction		—		—		—
Secured		2,753		18		16
Unsecured		—		—		—
Total commercial loans		3,167		48		46
Residential mortgage loans
One-to four-family		7,510		90		89
Construction		—		—		—
Total residential mortgage loans		7,510		90		89
Consumer loans
Home equity		3,492		45		45
Auto		1		—		—
Marine		85		1		1
Recreational vehicle		344		6		6
Other		—		—		—
Total consumer loans		3,922		52		52
Total		14,599		190		187
Total impaired loans	$	23,420	$	217	$	214

The following table presents loans individually evaluated for impairment by class of loans for the three months ended September 30, 2018:

	Average Recorded Investment		Interest Income Recognized		Cash Basis Income Recognized
With no specific allowance recorded
Commercial loans
Multifamily	$	—	$	—	$	—
Nonresidential		136		1		1
Land		—		—		—
Construction		—		—		—
Secured		914		—		—
Unsecured		—		8		8
Total commercial loans		1,050		9		9
Residential mortgage loans
One-to four-family		5,709		41		32
Construction		—		—		—
Total residential mortgage loans		5,709		41		32
Consumer loans
Home equity		1,134		6		4
Auto		21		1		1
Marine		181		—		—
Recreational vehicle		159		9		4
Other		11		1		1
Total consumer loans		1,506		17		10
Total	$	8,265	$	67	$	51
With a specific allowance recorded
Commercial loans
Multifamily	$	275	$	—	$	—
Nonresidential		1,221		13		13
Land		—		—		—
Construction		—		—		—
Secured		568		—		—
Unsecured		—		—		—
Total commercial loans		2,064		13		13
Residential mortgage loans
One-to four-family		8,401		147		98
Construction		—		—		—
Total residential mortgage loans		8,401		147		98
Consumer loans
Home equity		4,138		92		56
Auto		—		—		—
Marine		94		2		1
Recreational vehicle		328		8		4
Other		—		—		—
Total consumer loans		4,560		102		61
Total		15,025		262		172
Total impaired loans	$	23,290	$	329	$	223

Home Savings reclassifies a collateralized mortgage loan and a consumer loan secured by real estate to real estate owned and other repossessed assets once it has either obtained legal title to the real estate collateral or the borrower voluntarily conveys all interest in the real property to the Bank to satisfy the loan through a deed in lieu of foreclosure or similar legal agreement. The table below presents loans that are in the process of foreclosure at September 30, 2019 and December 31, 2018, but legal title, deed in lieu of foreclosure or similar legal agreement to the property has not yet been obtained:

The following table presents the recorded investment in nonaccrual loans and loans past due over 90 days and still on accrual by class of loans as of September 30, 2019:

	Nonaccrual		Loans past due over 90 days and still accruing
	(Dollars in thousands)
Commercial loans
Multifamily	$	—	$	—
Nonresidential		3,610		—
Land		—		—
Construction		—		—
Secured		785		—
Unsecured		—		—
Total commercial loans		4,395		—
Residential mortgage loans
One-to four-family		4,233		—
Construction		—		—
Total residential mortgage loans		4,233		—
Consumer Loans
Home equity		1,376		—
Auto		123		—
Marine		105		—
Recreational vehicle		67		—
Other		18		—
Total consumer loans		1,689		—
Total nonaccrual loans and loans past due over 90 days and still accruing	$	10,317	$	—

The following table presents the recorded investment in nonaccrual loans and loans past due over 90 days and still on accrual by class of loans as of December 31, 2018:

Nonaccrual Loans and Loans Past Due Over 90 Days and Still Accruing

As of December 31, 2018

	Nonaccrual		Loans past due over 90 days and still accruing
	(Dollars in thousands)
Commercial loans
Multifamily	$	171	$	—
Nonresidential		13		—
Land		—		—
Construction		—		—
Secured		531		—
Unsecured		—		—
Total commercial loans		715		—
Residential mortgage loans
One-to four-family		4,170		—
Construction		—		—
Total residential mortgage loans		4,170		—
Consumer Loans
Home equity		1,223		—
Auto		131		—
Marine		145		—
Recreational vehicle		145		—
Other		10		—
Total consumer loans		1,654		—
Total nonaccrual loans and loans past due over 90 days and still accruing	$	6,539	$	—

The following table presents an age analysis of past-due loans, segregated by class of loans as of September 30, 2019:

	30-59 Days Past Due		60-89 Days Past Due		Greater than 90 Days Past Due		Total Past Due		Current Loans		Total Loans
Commercial loans
Multifamily	$	—	$	—	$	—	$	—	$	166,027	$	166,027
Nonresidential		—		102		1,679		1,781		407,906		409,687
Land		—		—		—		—		19,653		19,653
Construction		—		—		—		—		127,388		127,388
Secured		30		—		386		416		264,288		264,704
Unsecured		—		500		—		500		6,088		6,588
Total commercial loans		30		602		2,065		2,697		991,350		994,047
Residential mortgage loans
One-to four-family		2,530		1,780		3,529		7,839		931,060		938,899
Construction		—		—		—		—		44,636		44,636
Total residential mortgage loans		2,530		1,780		3,529		7,839		975,696		983,535
Consumer Loans:
Home equity		892		716		1,200		2,808		180,814		183,622
Automobile		179		70		123		372		86,689		87,061
Marine		—		—		105		105		960		1,065
Recreational vehicle		131		58		67		256		2,990		3,246
Other		72		5		18		95		8,552		8,647
Total consumer loans		1,274		849		1,513		3,636		280,005		283,641
Total loans	$	3,834	$	3,231	$	7,107	$	14,172	$	2,247,051	$	2,261,223

The following table presents an age analysis of past-due loans, segregated by class of loans as of December 31, 2018:

Past Due Loans

(Dollars in thousands)

	30-59 Days Past Due		60-89 Days Past Due		Greater than 90 Days Past Due		Total Past Due		Current Loans		Total Loans
Commercial loans
Multifamily	$	—	$	—	$	171	$	171	$	133,972	$	134,143
Nonresidential		—		—		—		—		409,979		409,979
Land		—		—		—		—		16,830		16,830
Construction		—		—		—		—		141,686		141,686
Secured		195		—		531		726		232,580		233,306
Unsecured		—		—		—		—		6,987		6,987
Total commercial loans		195		—		702		897		942,034		942,931
Residential mortgage loans
One-to four-family		2,139		882		3,470		6,491		920,764		927,255
Construction		—		—		—		—		43,435		43,435
Total residential mortgage loans		2,139		882		3,470		6,491		964,199		970,690
Consumer Loans:
Home equity		658		295		1,147		2,100		183,561		185,661
Automobile		283		112		131		526		78,160		78,686
Marine		—		—		145		145		1,061		1,206
Recreational vehicle		548		—		145		693		3,654		4,347
Other		33		—		10		43		7,098		7,141
Total consumer loans		1,522		407		1,578		3,507		273,534		277,041
Total loans	$	3,856	$	1,289	$	5,750	$	10,895	$	2,179,767	$	2,190,662

As of September 30, 2019 and December 31, 2018, the Company had a recorded investment in troubled debt restructurings of $15.6 million and $16.6 million, respectively. The Company allocated $1.1 million of specific allowance for those loans at September 30, 2019 and $1.1 million at December 31, 2018. The Company committed to lend, to existing troubled debt restructuring relationships, additional amounts totaling up to $46,000 and $41,000 at September 30, 2019 and December 31, 2018, respectively.

The following table presents loans by class modified as troubled debt restructurings that occurred during the three months ended September 30, 2019:

	Number of Loans		Pre-Modification Outstanding Recorded Investment		Post-Modification Recorded Investment
			(In thousands)
Commercial loans
Multifamily		—	$	—	$	—
Nonresidential		1		830		830
Land		—		—		—
Construction		—		—		—
Secured		—		—		—
Unsecured		—		—		—
Total commercial loans		1		830		830
Residential mortgage loans
One-to four-family		—		—		—
Construction		—		—		—
Total residential mortgage loans		—		—		—
Consumer loans
Home equity		—		—		—
Auto		—		—		—
Marine		—		—		—
Recreational vehicle		—		—		—
Other		—		—		—
Total consumer loans		—		—		—
Total restructured loans		1	$	830	$	830

The troubled debt restructurings described above increased the allowance for loan losses by $132,000 and resulted in no charge-offs during the three months ended September 30, 2019.

The following table presents loans by class modified as troubled debt restructurings that occurred during the nine months ended September 30, 2019:

	Number of Loans		Pre-Modification Outstanding Recorded Investment		Post-Modification Recorded Investment
			(In thousands)
Commercial loans
Multifamily		—	$	—	$	—
Nonresidential		1		830		830
Land		—		—		—
Construction		—		—		—
Secured		1		824		824
Unsecured		—		—		—
Total commercial loans		2		1,654		1,654
Residential mortgage loans
One-to four-family		1		335		355
Construction		—		—		—
Total residential mortgage loans		1		335		355
Consumer loans
Home equity		1		40		44
Auto		—		—		—
Marine		—		—		—
Recreational vehicle
Other		—		—		—
Total consumer loans		1		40		44
Total restructured loans		4	$	2,029	$	2,053

The troubled debt restructurings described above increased the allowance for loan losses by $133,000 and resulted in no charge-offs during the nine months ended September 30, 2019.

There were no loans modified as troubled debt restructurings during the three months ended September 30, 2018:

The following table presents loans by class modified as troubled debt restructurings that occurred during the nine months ended September 30, 2018:

	Number of Loans		Pre-Modification Outstanding Recorded Investment		Post-Modification Recorded Investment
			(Dollars in thousands)
Commercial loans
Multifamily		—	$	—	$	—
Nonresidential		1		124		124
Land		—		—		—
Construction		—		—		—
Secured		—		—		—
Unsecured		—		—		—
Total commercial loans		1		124		124
Residential mortgage loans
One-to four-family		3		521		547
Construction		—		—		—
Total residential mortgage loans		3		521		547
Consumer loans
Home equity		2		113		113
Auto		—		—		—
Marine		—		—		—
Recreational vehicle		—		—		—
Other		—		—		—
Total consumer loans		2		113		113
Total restructured loans		6	$	758	$	784

The troubled debt restructuring described above increased the allowance for loan losses by $3,000 and resulted in no charge-offs during the three months ended September 30, 2018.

The following table presents loans by class modified as troubled debt restructurings for which there was a payment default within a twelve month cycle following the modification during the period ended September 30, 2019:

The troubled debt restructuring described above that subsequently defaulted resulted in no charge-offs during the three and nine months ended September 30, 2019.

The troubled debt restructurings described above that subsequently defaulted resulted in no charge-offs during the three and nine months ended September 30, 2018, and had no effect on the provision for loan losses.

A troubled debt restructuring is considered to be in payment default once it is 30 days contractually past due under the modified terms.

In order to determine whether a borrower is experiencing financial difficulty, an evaluation is performed of the probability that the borrower will be in payment default on any of its debt in the foreseeable future without the modification. This evaluation is performed in accordance with the Company’s internal underwriting policy.

The Company categorizes loans into risk categories based on relevant information about the ability of borrowers to service their debt, such as: current financial information, historical payment experience, credit documentation, public information and current economic trends. The Company analyzes loans individually by classifying the loans as to credit risk. This analysis includes homogeneous loans past due 90 cumulative days, and all non-homogeneous loans, including commercial loans and commercial real estate loans. Smaller balance homogeneous loans are primarily monitored by payment status.

Asset quality ratings are divided into two groups: Pass (unclassified) and Classified. Within the unclassified group, certain loans that display potential weakness are risk rated as special mention. In addition, there are three classified risk ratings: substandard, doubtful and loss. These specific credit risk categories are defined as follows:

Special Mention. Loans classified as special mention have potential weakness that deserves management’s close attention. If left uncorrected, these potential weaknesses may result in deterioration of the repayment prospects for the loan or of the institution’s credit position at some future date.

Substandard. Loans classified as substandard are inadequately protected by the current net worth and paying capacity of the obligor or of the collateral pledged, if any. Loans so classified have a well-defined weakness or weaknesses that jeopardize the liquidation of the debt. They are characterized by the distinct possibility that the institution will sustain some loss if the deficiencies are not corrected.

Doubtful. Loans classified as doubtful have all the weaknesses inherent in those classified as substandard, with the added characteristic that the weaknesses make collection or liquidation in full, on the basis of currently existing facts, conditions and values, highly questionable and improbable.

Loss. Loans classified as loss are considered uncollectible and of such little value, that continuance as assets is not warranted. Although there may be a chance of recovery on these assets, it is not practical or desirable to defer writing off the asset.

The Company monitors loans on a monthly basis to determine if they should be included in one of the categories listed above. All impaired non-homogeneous credits classified as substandard, doubtful or loss are analyzed on an individual basis for a specific reserve requirement. This analysis is performed on each individual credit at least annually or more frequently if warranted.

As of September 30, 2019 and December 31, 2018, and based on the most recent analysis performed, the risk category of loans by class of loans is as follows:

	Unclassified				Classified
	Unclassified		Special Mention		Substandard		Doubtful		Loss		Total Classified		Total Loans
Commercial Loans
Multifamily	$	166,027	$	—	$	—	$	—	$	—	$	—	$	166,027
Nonresidential		380,838		16,616		12,233		—		—		12,233		409,687
Land		19,653		—		—		—		—		—		19,653
Construction		125,003		2,385		—		—		—		—		127,388
Secured		240,812		7,145		16,747		—		—		16,747		264,704
Unsecured		6,506		—		82		—		—		82		6,588
Total commercial loans		938,839		26,146		29,062		—		—		29,062		994,047
Residential mortgage loans
One-to four-family		933,170		95		5,634		—		—		5,634		938,899
Construction		44,636		—		—		—		—		—		44,636
Total residential mortgage loans		977,806		95		5,634		—		—		5,634		983,535
Consumer Loans
Home equity		182,241		—		1,381		—		—		1,381		183,622
Auto		86,935		—		126		—		—		126		87,061
Marine		960		—		105		—		—		105		1,065
Recreational vehicle		3,179		—		67		—		—		67		3,246
Other		8,629		—		18		—		—		18		8,647
Total consumer loans		281,944		—		1,697		—		—		1,697		283,641
Total loans	$	2,198,589	$	26,241	$	36,393	$	—	$	—	$	36,393	$	2,261,223

December 31, 2018

(Dollars in thousands)

	Unclassified				Classified
	Unclassified		Special Mention		Substandard		Doubtful		Loss		Total Classified		Total Loans
Commercial Loans
Multifamily	$	133,972	$	—	$	171	$	—	$	—	$	171	$	134,143
Nonresidential		378,160		18,420		13,399		—		—		13,399		409,979
Land		16,830		—		—		—		—		—		16,830
Construction		139,540		2,146		—		—		—		—		141,686
Secured		214,924		2,184		16,198		—		—		16,198		233,306
Unsecured		6,894		—		93		—		—		93		6,987
Total commercial loans		890,320		22,750		29,861		—		—		29,861		942,931
Residential mortgage loans
One-to four-family		921,694		591		4,970		—		—		4,970		927,255
Construction		43,435		—		—		—		—		—		43,435
Total residential mortgage loans		965,129		591		4,970		—		—		4,970		970,690
Consumer Loans
Home equity		184,438		—		1,223		—		—		1,223		185,661
Auto		78,551		—		135		—		—		135		78,686
Marine		1,061		—		145		—		—		145		1,206
Recreational vehicle		4,221		—		126		—		—		126		4,347
Other		7,131		—		10		—		—		10		7,141
Total consumer loans		275,402		—		1,639		—		—		1,639		277,041
Total loans	$	2,130,851	$	23,341	$	36,470	$	—	$	—	$	36,470	$	2,190,662

The Company has purchased loans for which there was, at acquisition, evidence of deterioration of credit quality since origination and it was probable, at acquisition, that all contractually required payments would not be collected. As of September 30, 2019 and December 31, 2018 there were no outstanding purchase credit impaired loans.

For the purchased credit impaired loans disclosed above, there was no change in the allowance for loan losses for the three and nine months ended September 30, 2019 and 2018.

Income is not recognized on purchased credit impaired loans if the Company cannot reasonably estimate cash flows expected to be collected. The carrying amounts of such loans are as follows: