Schedule of past due financing receivables |
| | | | | | | | | | | | | | | | | | | | | | | | March 31, 2024 | | | | | | | | | Loans 90 | | | | | | | | | | | | | | | | | | | | | Days or | | | | | Total | | | | | | | | | 30 to 59 | | 60 to 89 | | More Past Due | | | | | Past Due | | | | | | | | | Days | | Days | | and Still | | | | and | | | | | Total | (In thousands) | | Past Due | | Past Due | | Accruing Interest | | Non-accrual | | Non-accrual | | Current | | Loans | Business loans | | $ | 3,246 | | $ | 3,554 | | $ | — | | $ | 18,213 | | $ | 25,013 | | $ | 2,301,949 | | $ | 2,326,962 | One-to-four family residential, including condominium and cooperative apartment | | | 3,892 | | | 48 | | | — | | | 3,689 | | | 7,629 | | | 865,706 | | | 873,335 | Multifamily residential and residential mixed-use | | | 18,480 | | | 21,550 | | | — | | | — | | | 40,030 | | | 3,956,518 | | | 3,996,548 | Non-owner-occupied commercial real estate | | | 577 | | | — | | | — | | | 15 | | | 592 | | | 3,385,306 | | | 3,385,898 | ADC | | | — | | | — | | | — | | | 12,910 | | | 12,910 | | | 162,442 | | | 175,352 | Other loans | | | 2 | | | — | | | — | | | — | | | 2 | | | 5,168 | | | 5,170 | Total | | $ | 26,197 | | $ | 25,152 | | $ | — | | $ | 34,827 | | $ | 86,176 | | $ | 10,677,089 | | $ | 10,763,265 |
| | | | | | | | | | | | | | | | | | | | | | | | December 31, 2023 | | | | | | | | | Loans 90 | | | | | | | | | | | | | | | | | | | | | Days or | | | | | Total | | | | | | | | | 30 to 59 | | 60 to 89 | | More Past Due | | | | | Past Due | | | | | | | | | Days | | Days | | and Still | | | | and | | | | | Total | (In thousands) | | Past Due | | Past Due | | Accruing Interest | | Non-accrual | | Non-accrual | | Current | | Loans | Business loans | | $ | 7,139 | | $ | 1,217 | | $ | — | | $ | 18,574 | | $ | 26,930 | | $ | 2,281,241 | | $ | 2,308,171 | One-to-four family residential, including condominium and cooperative apartment | | | 4,071 | | | 73 | | | — | | | 3,248 | | | 7,392 | | | 880,163 | | | 887,555 | Multifamily residential and residential mixed-use | | | — | | | — | | | — | | | — | | | — | | | 4,017,176 | | | 4,017,176 | Non-owner-occupied commercial real estate | | | 337 | | | — | | | — | | | 6,620 | | | 6,957 | | | 3,372,710 | | | 3,379,667 | ADC | | | 430 | | | — | | | — | | | 657 | | | 1,087 | | | 167,426 | | | 168,513 | Other loans | | | — | | | — | | | — | | | — | | | — | | | 5,755 | | | 5,755 | Total | | $ | 11,977 | | $ | 1,290 | | $ | — | | $ | 29,099 | | $ | 42,366 | | $ | 10,724,471 | | $ | 10,766,837 |
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Schedule of Credit risk profile of the real estate loans |
| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | March 31, 2024 | (In thousands) | | 2024 | | 2023 | | 2022 | | 2021 | | 2020 | | 2019 and Prior | | Revolving | | Revolving-Term | | Total | Business loans | | | | | | | | | | | | | | | | | | | | | | | | | | | | Pass | | $ | 69,153 | | $ | 255,474 | | $ | 392,650 | | $ | 193,191 | | $ | 153,026 | | $ | 435,108 | | $ | 631,958 | | $ | 51,322 | | $ | 2,181,882 | Special mention | | | — | | | 456 | | | 15,642 | | | 1,262 | | | 1,746 | | | 10,551 | | | 20,629 | | | 7,401 | | | 57,687 | Substandard | | | — | | | — | | | 9,025 | | | 2,787 | | | 6,440 | | | 33,096 | | | 16,492 | | | 18,805 | | | 86,645 | Doubtful | | | — | | | — | | | — | | | — | | | — | | | 748 | | | — | | | — | | | 748 | Total business loans | | | 69,153 | | | 255,930 | | | 417,317 | | | 197,240 | | | 161,212 | | | 479,503 | | | 669,079 | | | 77,528 | | | 2,326,962 | YTD Gross Charge-Offs | | | — | | | — | | | 80 | | | — | | | — | | | — | | | 633 | | | 83 | | | 796 | | | | | | | | | | | | | | | | | | | | | | | | | | | | | One-to-four family residential, and condominium/cooperative apartment: | | | | | | | | | | | | | | | | | | | | | | | | | | | | Pass | | | 7,113 | | | 167,096 | | | 210,948 | | | 101,157 | | | 66,202 | | | 266,235 | | | 31,131 | | | 11,444 | | | 861,326 | Special mention | | | — | | | — | | | — | | | — | | | — | | | 33 | | | 159 | | | 697 | | | 889 | Substandard | | | — | | | — | | | — | | | — | | | 1,000 | | | 9,074 | | | — | | | 1,046 | | | 11,120 | Doubtful | | | — | | | — | | | — | | | — | | | — | | | — | | | — | | | — | | | — | Total one-to-four family residential, and condominium/cooperative apartment | | | 7,113 | | | 167,096 | | | 210,948 | | | 101,157 | | | 67,202 | | | 275,342 | | | 31,290 | | | 13,187 | | | 873,335 | YTD Gross Charge-Offs | | | — | | | — | | | — | | | — | | | — | | | — | | | — | | | — | | | — | | | | | | | | | | | | | | | | | | | | | | | | | | | | | Multifamily residential and residential mixed-use: | | | | | | | | | | | | | | | | | | | | | | | | | | | | Pass | | | 11,137 | | | 256,226 | | | 1,340,191 | | | 569,200 | | | 291,859 | | | 1,339,820 | | | 5,550 | | | 4,311 | | | 3,818,294 | Special mention | | | — | | | — | | | 1,202 | | | 9,281 | | | 14,403 | | | 56,732 | | | — | | | — | | | 81,618 | Substandard | | | — | | | — | | | — | | | — | | | 18,204 | | | 78,432 | | | — | | | — | | | 96,636 | Doubtful | | | — | | | — | | | — | | | — | | | — | | | — | | | — | | | — | | | — | Total multifamily residential and residential mixed-use | | | 11,137 | | | 256,226 | | | 1,341,393 | | | 578,481 | | | 324,466 | | | 1,474,984 | | | 5,550 | | | 4,311 | | | 3,996,548 | YTD Gross Charge-Offs | | | — | | | — | | | — | | | — | | | — | | | — | | | — | | | — | | | — | | | | | | | | | | | | | | | | | | | | | | | | | | | | | Non-owner-occupied commercial real estate | | | | | | | | | | | | | | | | | | | | | | | | | | | | Pass | | | 40,593 | | | 217,651 | | | 737,938 | | | 641,361 | | | 443,893 | | | 1,085,387 | | | 11,223 | | | 7,864 | | | 3,185,910 | Special mention | | | — | | | — | | | — | | | 19,730 | | | 75,170 | | | 13,550 | | | — | | | — | | | 108,450 | Substandard | | | — | | | — | | | — | | | 15 | | | 60,055 | | | 31,468 | | | — | | | — | | | 91,538 | Doubtful | | | — | | | — | | | — | | | — | | | — | | | — | | | — | | | — | | | — | Total non-owner-occupied commercial real estate | | | 40,593 | | | 217,651 | | | 737,938 | | | 661,106 | | | 579,118 | | | 1,130,405 | | | 11,223 | | | 7,864 | | | 3,385,898 | YTD Gross Charge-Offs | | | — | | | — | | | — | | | — | | | — | | | — | | | — | | | — | | | — | | | | | | | | | | | | | | | | | | | | | | | | | | | | | ADC: | | | | | | | | | | | | | | | | | | | | | | | | | | | | Pass | | | 3,929 | | | 22,981 | | | 31,250 | | | 59,209 | | | — | | | 2,966 | | | 26,936 | | | 207 | | | 147,478 | Special mention | | | — | | | — | | | — | | | 14,964 | | | — | | | — | | | — | | | — | | | 14,964 | Substandard | | | — | | | — | | | — | | | — | | | — | | | 12,253 | | | — | | | 657 | | | 12,910 | Doubtful | | | — | | | — | | | — | | | — | | | — | | | — | | | — | | | — | | | — | Total ADC | | | 3,929 | | | 22,981 | | | 31,250 | | | 74,173 | | | — | | | 15,219 | | | 26,936 | | | 864 | | | 175,352 | YTD Gross Charge-Offs | | | — | | | — | | | — | | | — | | | — | | | — | | | — | | | — | | | — | | | | | | | | | | | | | | | | | | | | | | | | | | | | | Total: | | | | | | | | | | | | | | | | | | | | | | | | | | | | Pass | | | 131,925 | | | 919,428 | | | 2,712,977 | | | 1,564,118 | | | 954,980 | | | 3,129,516 | | | 706,798 | | | 75,148 | | | 10,194,890 | Special mention | | | — | | | 456 | | | 16,844 | | | 45,237 | | | 91,319 | | | 80,866 | | | 20,788 | | | 8,098 | | | 263,608 | Substandard | | | — | | | — | | | 9,025 | | | 2,802 | | | 85,699 | | | 164,323 | | | 16,492 | | | 20,508 | | | 298,849 | Doubtful | | | — | | | — | | | — | | | — | | | — | | | 748 | | | — | | | — | | | 748 | Total Loans | | $ | 131,925 | | $ | 919,884 | | $ | 2,738,846 | | $ | 1,612,157 | | $ | 1,131,998 | | $ | 3,375,453 | | $ | 744,078 | | $ | 103,754 | | $ | 10,758,095 | YTD Gross Charge-Offs | | $ | — | | $ | — | | $ | 80 | | $ | — | | $ | — | | $ | — | | $ | 633 | | $ | 83 | | $ | 796 |
| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | December 31, 2023 | (In thousands) | | 2023 | | 2022 | | 2021 | | 2020 | | 2019 | | 2018 and Prior | | Revolving | | Revolving-Term | | Total | Business loans | | | | | | | | | | | | | | | | | | | | | | | | | | | | Pass | | $ | 258,699 | | $ | 390,760 | | $ | 196,790 | | $ | 144,796 | | $ | 150,871 | | $ | 305,258 | | $ | 633,719 | | $ | 35,079 | | $ | 2,115,972 | Special mention | | | 481 | | | 41,682 | | | 1,199 | | | 13,567 | | | 7,125 | | | 3,150 | | | 21,108 | | | 25,306 | | | 113,618 | Substandard | | | - | | | 1,857 | | | 2,180 | | | 6,729 | | | 2,803 | | | 30,248 | | | 15,567 | | | 18,449 | | | 77,833 | Doubtful | | | — | | | — | | | — | | | - | | | - | | | 748 | | | — | | | — | | | 748 | Total business loans | | | 259,180 | | | 434,299 | | | 200,169 | | | 165,092 | | | 160,799 | | | 339,404 | | | 670,394 | | | 78,834 | | | 2,308,171 | YTD Gross Charge-Offs | | | — | | | — | | | 77 | | | 38 | | | 4,166 | | | 2,229 | | | 5,464 | | | 3,390 | | | 15,364 | | | | | | | | | | | | | | | | | | | | | | | | | | | | | One-to-four family residential, and condominium/cooperative apartment: | | | | | | | | | | | | | | | | | | | | | | | | | | | | Pass | | | 170,601 | | | 213,479 | | | 102,684 | | | 69,524 | | | 62,356 | | | 213,131 | | | 31,205 | | | 12,493 | | | 875,473 | Special mention | | | — | | | — | | | — | | | — | | | — | | | 33 | | | 159 | | | 776 | | | 968 | Substandard | | | — | | | — | | | — | | | 1,005 | | | 337 | | | 8,711 | | | — | | | 1,061 | | | 11,114 | Doubtful | | | — | | | — | | | — | | | — | | | — | | | — | | | — | | | — | | | — | Total one-to-four family residential, and condominium/cooperative apartment | | | 170,601 | | | 213,479 | | | 102,684 | | | 70,529 | | | 62,693 | | | 221,875 | | | 31,364 | | | 14,330 | | | 887,555 | YTD Gross Charge-Offs | | | — | | | — | | | — | | | — | | | — | | | — | | | — | | | 14 | | | 14 | | | | | | | | | | | | | | | | | | | | | | | | | | | | | Multifamily residential and residential mixed-use: | | | | | | | | | | | | | | | | | | | | | | | | | | | | Pass | | | 256,822 | | | 1,340,197 | | | 578,352 | | | 283,633 | | | 384,937 | | | 981,820 | | | 4,841 | | | 4,325 | | | 3,834,927 | Special mention | | | — | | | — | | | 9,334 | | | 3,880 | | | 3,886 | | | 64,273 | | | — | | | — | | | 81,373 | Substandard | | | — | | | — | | | — | | | 28,799 | | | 5,089 | | | 66,988 | | | — | | | — | | | 100,876 | Doubtful | | | — | | | — | | | — | | | — | | | — | | | — | | | — | | | — | | | — | Total multifamily residential and residential mixed-use | | | 256,822 | | | 1,340,197 | | | 587,686 | | | 316,312 | | | 393,912 | | | 1,113,081 | | | 4,841 | | | 4,325 | | | 4,017,176 | YTD Gross Charge-Offs | | | — | | | — | | | — | | | — | | | — | | | 2 | | | — | | | — | | | 2 | | | | | | | | | | | | | | | | | | | | | | | | | | | | | Non-owner-occupied commercial real estate | | | | | | | | | | | | | | | | | | | | | | | | | | | | Pass | | | 220,045 | | | 738,133 | | | 645,246 | | | 447,002 | | | 359,201 | | | 756,921 | | | 11,919 | | | 7,926 | | | 3,186,393 | Special mention | | | — | | | — | | | 19,872 | | | 75,378 | | | 4,563 | | | 2,763 | | | — | | | — | | | 102,576 | Substandard | | | — | | | — | | | 16 | | | 60,272 | | | 6,254 | | | 24,156 | | | — | | | — | | | 90,698 | Doubtful | | | — | | | — | | | — | | | — | | | — | | | — | | | — | | | — | | | — | Total non-owner-occupied commercial real estate | | | 220,045 | | | 738,133 | | | 665,134 | | | 582,652 | | | 370,018 | | | 783,840 | | | 11,919 | | | 7,926 | | | 3,379,667 | YTD Gross Charge-Offs | | | — | | | — | | | — | | | — | | | — | | | — | | | — | | | — | | | — | | | | | | | | | | | | | | | | | | | | | | | | | | | | | ADC: | | | | | | | | | | | | | | | | | | | | | | | | | | | | Pass | | | 16,735 | | | 17,534 | | | 59,202 | | | 9,900 | | | 2,665 | | | 437 | | | 22,444 | | | 225 | | | 129,142 | Special mention | | | — | | | 11,500 | | | 14,961 | | | — | | | 12,253 | | | — | | | — | | | — | | | 38,714 | Substandard | | | — | | | — | | | — | | | — | | | — | | | — | | | — | | | 657 | | | 657 | Doubtful | | | — | | | — | | | — | | | — | | | — | | | — | | | — | | | — | | | — | Total ADC | | | 16,735 | | | 29,034 | | | 74,163 | | | 9,900 | | | 14,918 | | | 437 | | | 22,444 | | | 882 | | | 168,513 | YTD Gross Charge-Offs | | | — | | | — | | | — | | | — | | | — | | | — | | | — | | | — | | | — | | | | | | | | | | | | | | | | | | | | | | | | | | | | | Total: | | | | | | | | | | | | | | | | | | | | | | | | | | | | Pass | | | 922,902 | | | 2,700,103 | | | 1,582,274 | | | 954,855 | | | 960,030 | | | 2,257,567 | | | 704,128 | | | 60,048 | | | 10,141,907 | Special mention | | | 481 | | | 53,182 | | | 45,366 | | | 92,825 | | | 27,827 | | | 70,219 | | | 21,267 | | | 26,082 | | | 337,249 | Substandard | | | — | | | 1,857 | | | 2,196 | | | 96,805 | | | 14,483 | | | 130,103 | | | 15,567 | | | 20,167 | | | 281,178 | Doubtful | | | — | | | — | | | — | | | — | | | — | | | 748 | | | — | | | — | | | 748 | Total Loans | | $ | 923,383 | | $ | 2,755,142 | | $ | 1,629,836 | | $ | 1,144,485 | | $ | 1,002,340 | | $ | 2,458,637 | | $ | 740,962 | | $ | 106,297 | | $ | 10,761,082 | YTD Gross Charge-Offs | | $ | — | | $ | — | | $ | 77 | | $ | 38 | | $ | 4,166 | | $ | 2,231 | | $ | 5,464 | | $ | 3,404 | | $ | 15,380 |
| | | | | | | (In thousands) | | March 31, 2024 | | December 31, 2023 | Performing | | $ | 5,170 | | $ | 5,755 | Non-accrual | | | — | | | — | Total | | $ | 5,170 | | $ | 5,755 |
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