v3.26.1
Loans Receivable
 9 Months Ended
Jun. 30, 2026
Receivables [Abstract]  
Loans Receivable Loans Receivable
For a detailed discussion of loans and credit quality, including accounting policies and the CECL methodology used to estimate the allowance for credit losses, see Note A "Summary of Significant Accounting Policies" above.

The Company's loans held for investment are divided into two portfolio segments, commercial loans and consumer loans, with each of those segments further split into loan classes for purposes of estimating the allowance for credit losses.

The following table is a summary of loans receivable by loan portfolio segment and class.
June 30, 2026September 30, 2025
Gross loans by category(In thousands)(In thousands)
Commercial loans
Multi-family$4,721,719 21.8 %$4,718,480 22.2 %
Commercial real estate3,642,259 16.9 3,604,600 16.9 
Commercial & industrial3,110,005 14.4 2,392,685 11.3 
Construction2,144,343 9.9 1,756,890 8.3 
Land - acquisition & development219,267 1.0 179,099 0.8 
Total commercial loans13,837,593 64.0 12,651,754 59.5 
Consumer loans
Single-family residential7,389,117 34.2 8,053,771 37.8 
Construction - custom35,260 0.2 150,237 0.7 
   Land - consumer lot loans72,451 0.3 89,298 0.4 
   HELOC244,726 1.1 267,871 1.3 
   Consumer54,245 0.2 61,461 0.3 
Total consumer loans7,795,799 36.0 8,622,638 40.5 
Total gross loans21,633,392 100 %21,274,392 100 %
   Less:
      Allowance for credit losses on loans214,831 199,720 
      Loans in process1,186,436 773,606 
      Net deferred fees, costs and discounts214,249 212,448 
Total loan contra accounts1,615,516 1,185,774 
Net loans$20,017,876 $20,088,618 


Accrued interest receivable ("AIR") is excluded from the amortized cost basis of loans for disclosure purposes and from the calculations of estimated credit losses. As of June 30, 2026 and September 30, 2025, AIR for loans totaled $81,333,000 and $85,444,000, respectively, and is included in the Interest receivable line item balance on the Company’s Consolidated Statements of Financial Condition.

As of June 30, 2026, loans in the amount of $13,705,000,000 were pledged to secure borrowings and available lines of credit. None of the agencies to which we have pledged loans have the right to sell or re-pledge them.
The following table sets forth the amortized cost basis of non-accrual loans and loans 90 days or more past due and accruing.

 
June 30, 2026September 30, 2025
(In thousands, except ratio data)
Non-accrualNon-accrual with no ACL90 days or more past due and accruingNon-accrualNon-accrual with no ACL90 days or more past due and accruing
Commercial loans
Multi-family$34,249 $— $— $19,121 $— $— 
Commercial real estate3,114 — — 69,972 — — 
Commercial & industrial65,741 — — 11,047 — — 
Construction— — — 3,400 — — 
   Total commercial loans103,104 — — 103,540 — — 
Consumer loans
Single-family residential22,445 — — 23,741 — — 
Construction - custom892 — — 760 — — 
Land - consumer lot loans239 — — 23 — — 
HELOC627 — — 412 — — 
Consumer262 — — 152 — — 
   Total consumer loans24,465 — — 25,088 — — 
Total non-accrual loans$127,569 $— $— $128,628 $— $— 
% of total loans0.63 %0.63 %

The Company recognized interest income on non-accrual loans of approximately $1,264,000 in the nine months ended June 30, 2026 as a result of the collection of past due amounts. If these loans had been on accrual status and performed according to their original contract terms, the Company would have recognized interest income of approximately $5,681,000 for the nine months ended June 30, 2026. Interest cash flows collected on non-accrual loans vary from period to period as those loans are brought current or are paid off.
The following tables provide details regarding loan delinquencies by loan portfolio and class.

 
June 30, 2026Days Delinquent Based on $ Amount of Loans% based
on $
Type of LoanLoans Receivable (Amortized Cost)Current306090+Total Delinquent
(In thousands, except ratio data)
Commercial Loans
Multi-family$4,645,902 $4,609,974 $— $2,103 $33,825 $35,928 0.77 %
Commercial real estate3,626,043 3,616,011 700 9,332 — 10,032 0.28 
Commercial & industrial3,101,192 3,037,254 111 487 63,340 63,938 2.06 
Construction1,015,908 1,015,908 — — — — — 
Land - acquisition & development185,232 185,232 — — — — — 
   Total commercial loans12,574,277 12,464,379 811 11,922 97,165 109,898 0.87 
Consumer Loans
Single-family residential7,268,163 7,230,764 9,865 6,307 21,227 37,399 0.51 
Construction - custom16,417 15,525 — — 892 892 5.43 
Land - consumer lot loans71,982 71,386 336 21 239 596 0.83 
HELOC247,584 244,991 1,406 602 585 2,593 1.05 
Consumer54,284 53,711 221 88 264 573 1.06 
   Total consumer loans7,658,430 7,616,377 11,828 7,018 23,207 42,053 0.55 
Total Loans$20,232,707 $20,080,756 $12,639 $18,940 $120,372 $151,951 0.75 %
Delinquency %99.25%0.06%0.08%0.60%0.75%



September 30, 2025Days Delinquent Based on $ Amount of Loans% based
on $
Type of LoanLoans Receivable (Amortized Cost)Current306090+Total Delinquent
(In thousands, except ratio data)
Commercial Loans
Multi-family$4,631,321 $4,610,677 $— $12,482 $8,162 $20,644 0.45 %
Commercial real estate3,588,950 3,537,909 87 912 50,042 51,041 1.42 
Commercial & industrial2,386,363 2,385,178 52 1,088 45 1,185 0.05 
Construction1,105,101 1,105,101 — — — — — 
Land - acquisition & development139,922 139,922 — — — — — 
  Total commercial loans11,851,657 11,778,787 139 14,482 58,249 72,870 0.61 
Consumer Loans
Single-family residential7,936,931 7,890,843 16,639 6,176 23,273 46,088 0.58 
Construction - custom78,243 77,483 — — 760 760 0.97 
Land - consumer lot loans88,696 88,364 249 60 23 332 0.37 
HELOC271,286 269,104 1,432 384 366 2,182 0.80 
Consumer61,525 61,172 99 102 152 353 0.57 
  Total consumer loans8,436,681 8,386,966 18,419 6,722 24,574 49,715 0.59 
Total Loans$20,288,338 $20,165,753 $18,558 $21,204 $82,823 $122,585 0.60 %
Delinquency %99.40%0.09%0.10%0.41%0.60%
Loans are considered collateral-dependent when the debtor is experiencing financial difficulty and repayment is expected to be provided substantially through the sale or operation of the collateral. The following table presents the amortized basis of collateral-dependent loans by loan class and collateral type as of June 30, 2026.
Loan typeResidential Real EstateCommercial Real EstateGeneral Business Assets
($ in thousands)
Commercial loans
Multi-Family$— $34,248 $— 
Commercial Real Estate— 3,114 — 
Commercial & Industrial— 746 63,255 
Total commercial loans— 38,108 63,255 
Consumer loans
Single-Family Residential7,732 — — 
Construction - Custom132 — — 
Land - Consumer Lot Loans60 — — 
HELOC86 — — 
Total consumer loans8,010 — — 
Total Loans$8,010 $38,108 $63,255 

Loans may be modified as the result of borrowers experiencing financial difficulty needing relief from the contractual terms of their loan. Most loan modifications to borrowers experiencing financial difficulty are accruing and performing loans where the borrower has approached the Company about modification due to temporary financial difficulties. Each request for modification is individually evaluated for merit and likelihood of success. Often a term extension is needed in the short term in order to evaluate the need for further corrective action. Payment delays and interest-only payments may also be approved during the modification period. Principal forgiveness is not an available option for restructured loans.
For commercial loans, modifications could be any of the above-listed modification types available or a mix thereof. Modifications to extend the term, lower the payment amount or delay payment are made for the purposes of providing borrowers additional time to return to compliance with the terms of their loans. Renewals of commercial lines to borrowers experiencing financial difficulty are included within the disclosures below though many of these are made in the normal course of business.
For consumer loans, modifications typically consist of minor payment delays or deferrals and may include a modification of the existing contractual rate or extension of the maturity date, or both, when it is determined the borrowers are likely to successfully maintain compliance with these modified loan terms.

The following tables present the amortized basis of loans that were modified to borrowers experiencing financial difficulty during the three and nine month period ending June 30, 2026 by loan class and modification type. Modifications during the periods presented were term extensions or payment deferrals.
Three Months Ended June 30, 2026
Loan ClassTerm ExtensionPayment Deferral% of Total Loan Class BalanceWtd. Avg.
Term Extension 		Deferral Amount
( in thousands)(in months)( in thousands)
Commercial real estate19,327 — 0.53 3— 
Commercial & industrial25,723 — 0.83 4— 
Total commercial loans45,050 — 0.36 3— 
Total Loans$45,050 $— 0.22 %

Three Months Ended June 30, 2025
Loan ClassTerm ExtensionPayment Deferral% of Total Loan Class BalanceWtd. Avg.
Term Extension 		Deferral Amount
( in thousands)(in months)( in thousands)
Multi-family$21,103 $— 0.43 %15$— 
Commercial real estate14,953 — 0.41 6— 
Commercial & industrial18,035 — 0.79 5— 
Construction37,709 — 0.04 5— 
Total commercial loans91,800 — 0.77 7— 
Single-Family Residential— 8,283 0.10 0110 
Total consumer loans— 8,283 0.10 0$110 
Total Loans$91,800 $8,283 0.48 %


Nine Months Ended June 30, 2026
Loan ClassTerm ExtensionPayment Deferral% of Total Loan Class BalanceWtd. Avg.
Term Extension		Deferral Amount
( in thousands)(in months)(in thousands)
Commercial real estate19,327 3,006 0.61 6167 
Commercial & industrial51,853 — 1.67 8— 
Total commercial loans71,180 3,006 0.59 7167 
Single-Family Residential— 10,587 0.14 0306 
Total consumer loans— 10,587 0.14 0$306 
Total Loans$71,180 $13,593 0.41 %
Nine Months Ended June 30, 2025
Loan ClassTerm ExtensionPayment Deferral% of Total Loan Class BalanceWtd. Avg.
Term Extension		Deferral Amount
( in thousands)(in months)( in thousands)
Multi-family$22,196 $— 0.46 %14$— 
Commercial real estate20,346 — 0.56 11— 
Commercial & industrial56,957 — 2.48 12— 
Construction37,709 — 0.04 5— 
Total commercial loans137,208 — 1.15 10— 
Single-Family Residential449 8,283 0.11 6236 
Total consumer loans449 8,283 0.11 6$236 
Total Loans$137,657 $8,283 0.71 %
The Company closely monitors the performance of the loans that are modified to borrowers experiencing financial difficulty to understand the effectiveness of modification efforts. Loans are considered to be in default at 90 or more days past due. The following table presents the performance of such loans that have been modified for the twelve months ended June 30, 2026 and June 30, 2025, respectively.

June 30, 2026Days Delinquent
Current306090+Total
Commercial loans( in thousands)
Multi-family$— $— $— $— $— 
Commercial real estate22,333 — — — 22,333 
Commercial & industrial51,853 — — — 51,853 
Construction— — — — — 
Total commercial loans74,186 — — — 74,186 
Consumer loans
Single-family residential9,553 — 122 912 10,587 
Total consumer loans9,553 — 122 912 10,587 
Total Loans$83,739 $— $122 $912 $84,773 

June 30, 2025Days Delinquent
Current306090+Total
Commercial loans( in thousands)
Multi-family$22,196 $— $— $— $22,196 
Commercial real estate20,346 — — — 20,346 
Commercial & industrial59,592 350 — — 59,942 
Construction37,709 — — — 37,709 
Total commercial loans139,843 350 — — 140,193 
Consumer loans
Single-family residential9,049 — — — 9,049 
Total consumer loans9,049 — — — 9,049 
Total Loans$148,892 $350 $— $— $149,242 
Two single-family loans with a combined balance of $1,034,000 modified for borrowers experiencing financial difficulties were past due more than 30 days in the twelve months ended June 30, 2026. No loans modified for borrowers experiencing financial difficulties defaulted in the twelve months ended June 30, 2025.


The Company evaluates the credit quality of its loans based on regulatory risk ratings and also considers other factors. Based on this evaluation, the loans are assigned a grade and classified as follows:

•Pass – the credit does not meet one of the definitions below.

•Watch – A watch designation is one that deserves a higher level of scrutiny and monitoring due to either an event that has occurred or is expected to occur in the near future that will likely lead to further change in risk rating (either favorably or unfavorably). Watch loans possess some credit deficiency or potential weakness that deserve close attention but which do not yet appear to jeopardize repayment. The key distinctions of a watch designation are that the credit is performing normally, but there is an uncertain level of risk due to such factors as (1) lack of or slow generation/receipt of financial information, (2) a documentation defect that could jeopardize repayment in the future, (3) construction delays or delays in lease up/stabilization, (4) declining market trends, (5) global cash flow deficiency of guarantors, or (6) management deficiencies/turnover. A loan designated as a “watch” is not considered criticized.

•Special mention – A special mention credit is considered to be currently protected from loss but is potentially weak. No loss of principal or interest is foreseen; however, proper supervision and management attention is required to deter further deterioration in the credit. Assets in this category constitute some undue and unwarranted credit risk but not to the point of justifying a risk rating of substandard. The credit risk may be relatively minor yet constitutes an unwarranted risk in light of the circumstances surrounding a specific asset.

•Substandard – A substandard credit is an unacceptable credit. Additionally, repayment in the normal course is in jeopardy due to the existence of one or more well defined weaknesses. In these situations, loss of principal is likely if the weakness is not corrected. A substandard asset is inadequately protected by the current sound worth and paying capacity of the borrower or of the collateral pledged, if any. Assets so classified will have a well-defined weakness or weaknesses that jeopardize the collection or liquidation of the debt. Loss potential, while existing in the aggregate amount of substandard assets, does not have to exist in individual assets risk rated substandard.

•Doubtful – A credit classified doubtful has all the weaknesses inherent in one classified substandard with the added characteristic that the weakness makes collection or liquidation in full, on the basis of currently existing facts, conditions and values, highly questionable and improbable. The probability of loss is high, but because of certain important and reasonably specific pending factors that may work to the advantage and strengthening of the asset, its classification as an estimated loss is deferred until its more exact status may be determined. Pending factors include proposed merger, acquisition, or liquidation procedures, capital injection, perfecting liens on additional collateral, and refinancing plans.

•Loss – Credits classified loss are considered uncollectible and of such little value that their continuance as a bankable asset is not warranted. This classification does not mean that the asset has absolutely no recovery or salvage value, but rather it is not practical or desirable to defer writing off this asset even though partial recovery may be affected in the future. Losses should be taken in the period in which they are identified as uncollectible. Partial charge-off versus full charge-off may be taken if the collateral offers some identifiable protection.

The watch rating was implemented by the bank for fiscal 2026 on a prospective basis.

The following tables present by primary credit quality indicator, loan class, and year of origination, the amortized cost basis of loans receivable as of June 30, 2026 and September 30, 2025.
June 30, 2026Term Loans Amortized Cost Basis by Origination Year
( in thousands)YTD 20262025202420232022Prior to 2022Revolving LoansRevolving to Term LoansTotal Loans
Commercial loans
Multi-family
Pass$359,611 $66,644 $132,498 $368,604 $1,400,262 $1,847,050 $33,942 $— $4,208,611 
Watch— — 1,320 8,307 40,490 23,794 — — 73,911 
Special Mention— — — 16,630 93,148 96,011 — — 205,789 
Substandard— 1,674 — 9,653 51,263 91,667 1,002 — 155,259 
Doubtful— — — — — 2,332 — — 2,332 
Total$359,611 $68,318 $133,818 $403,194 $1,585,163 $2,060,854 $34,944 $— $4,645,902 
Gross Charge-offs— — — — — 81 — — 81 
Commercial real estate
Pass$476,485 $287,440 $190,800 $206,589 $872,544 $1,343,301 $14,704 $17,437 $3,409,300 
Watch— 11,055 — 17,614 11,766 34,331 — — 74,766 
Special Mention— — 615 316 10,576 14,217 — — 25,724 
Substandard— — — 23,077 4,895 88,267 — 14 116,253 
Total$476,485 $298,495 $191,415 $247,596 $899,781 $1,480,116 $14,704 $17,451 $3,626,043 
Gross Charge-offs— 878 — — — 79 — — 957 
Commercial & industrial
Pass$600,743 $226,108 $60,447 $107,676 $123,511 $420,605 $1,159,036 $15,526 $2,713,652 
Watch— 935 4,205 — 23,518 3,003 45,872 — 77,533 
Special Mention1,834 27 — 3,556 2,582 995 85,997 — 94,991 
Substandard— 28,839 3,906 23,141 7,643 36,176 54,555 7,777 162,037 
Doubtful— — 10 6 16,454 3 36,506 — 52,979 
Total$602,577 $255,909 $68,568 $134,379 $173,708 $460,782 $1,381,966 $23,303 $3,101,192 
Gross Charge-offs— 361 — — — 49 — 4,664 5,074 
Construction
Pass$171,087 $314,476 $80,325 $63,169 $178,670 $173 $70,452 $— $878,352 
Watch218 776 — — — — — — 994 
Special Mention4,171 2,579 — 20,798 57,222 — 51,792 — 136,562 
Total$175,476 $317,831 $80,325 $83,967 $235,892 $173 $122,244 $— $1,015,908 
Land - acquisition & development
Pass$63,690 $51,108 $5,288 $3,729 $15,981 $35,033 $— $— $174,829 
Watch102 — 597 — — — — — 699 
Special Mention2,028 679 291 584 — — — — 3,582 
Substandard— — 5,914 — — 208 — — 6,122 
Total$65,820 $51,787 $12,090 $4,313 $15,981 $35,241 $— $— $185,232 
Total commercial loans
Pass$1,671,616 $945,776 $469,358 $749,767 $2,590,968 $3,646,162 $1,278,134 $32,963 $11,384,744 
Watch320 12,766 6,122 25,921 75,774 61,128 45,872 — 227,903 
Special Mention8,033 3,285 906 41,884 163,528 111,223 137,789 — 466,648 
Substandard— 30,513 9,820 55,871 63,801 216,318 55,557 7,791 439,671 
Doubtful— — 10 6 16,454 2,335 36,506 — 55,311 
Total$1,679,969 $992,340 $486,216 $873,449 $2,910,525 $4,037,166 $1,553,858 $40,754 $12,574,277 
Gross Charge-offs$— $1,239 $— $— $— $209 $— $4,664 $6,112 
June 30, 2026Term Loans Amortized Cost Basis by Origination Year
( in thousands)YTD 20262025202420232022Prior to 2022Revolving LoansRevolving to Term LoansTotal Loans
Consumer loans
Single-family residential
Current$— $186,447 $280,663 $675,312 $2,015,453 $4,072,889 $— $— $7,230,764 
30 days past due— 255 — — 2,021 7,589 — — 9,865 
60 days past due— — — 955 358 4,994 — — 6,307 
90+ days past due— — 197 1,368 4,436 15,226 — — 21,227 
Total$— $186,702 $280,860 $677,635 $2,022,268 $4,100,698 $— $— $7,268,163 
Gross Charge-offs— — — — — 82 — — 82 
Construction - custom
Current$— $14,614 $911 $— $— $— $— $— $15,525 
90+ days past due— — — 132 760 — — — 892 
Total$— $14,614 $911 $132 $760 $— $— $— $16,417 
Land - consumer lot loans
Current$— $4,684 $10,035 $6,948 $15,817 $33,902 $— $— $71,386 
30 days past due— — 336 — — — — — 336 
60 days past due— — — — — 21 — — 21 
90+ days past due— — — 60 124 55 — — 239 
Total$— $4,684 $10,371 $7,008 $15,941 $33,978 $— $— $71,982 
HELOC
Current$— $— $— $— $— $5,144 $238,373 $1,474 $244,991 
30 days past due— — — — — 51 1,341 14 1,406 
60 days past due— — — — — 2 — 600 602 
90+ days past due— — — — — 130 412 43 585 
Total$— $— $— $— $— $5,327 $240,126 $2,131 $247,584 
Consumer
Current$415 $43 $11 $16 $— $26,701 $26,525 $— $53,711 
30 days past due— — — — — 96 125 — 221 
60 days past due— — — — — — 88 — 88 
90+ days past due— — — — — 34 230 — 264 
Total$415 $43 $11 $16 $— $26,831 $26,968 $— $54,284 
Gross Charge-offs— — — — — 5 1,537 19 1,561 
Total consumer loans
Current$415 $205,788 $291,620 $682,276 $2,031,270 $4,138,636 $264,898 $1,474 $7,616,377 
30 days past due— 255 336 — 2,021 7,736 1,466 14 11,828 
60 days past due— — — 955 358 5,017 88 600 7,018 
90+ days past due— — 197 1,560 5,320 15,445 642 43 23,207 
Total$415 $206,043 $292,153 $684,791 $2,038,969 $4,166,834 $267,094 $2,131 $7,658,430 
Gross Charge-offs$— $— $— $— $— $87 $1,537 $19 $1,643 
September 30, 2025Term Loans Amortized Cost Basis by Origination Year
20252024202320222021Prior to 2021Revolving LoansRevolving to Term LoansTotal Loans
Commercial loans
Multi-family
Pass$51,779 $91,285 $431,401 $1,521,149 $1,154,189 $1,066,496 $21,048 $— $4,337,347 
Special Mention— — 8,225 44,350 13,686 70,556 — — 136,817 
Substandard2,334 — 9,166 51,486 12,661 78,158 1,002 — 154,807 
Doubtful— — — — — 2,350 — — 2,350 
Total$54,113 $91,285 $448,792 $1,616,985 $1,180,536 $1,217,560 $22,050 $— $4,631,321 
Gross Charge-offs182 — — — 271 102 — — 555 
Commercial real estate
Pass$311,687 $226,269 $231,132 $997,347 $550,234 $987,607 $33,688 $1,098 $3,339,062 
Special Mention— — — 27,900 21,928 11,752 — — 61,580 
Substandard— — 15,484 15,035 83,665 71,343 — — 185,527 
Doubtful— — — — — 2,781 — — 2,781 
Total$311,687 $226,269 $246,616 $1,040,282 $655,827 $1,073,483 $33,688 $1,098 $3,588,950 
Gross Charge-offs— — — 163 — 9,489 — — 9,652 
Commercial & industrial
Pass$263,637 $46,817 $113,824 $147,522 $227,043 $184,325 $1,066,532 $37,050 $2,086,750 
Special Mention— 1,975 — 16,396 — 16,176 10,451 — 44,998 
Substandard35,490 3,042 21,527 24,733 1,725 32,281 130,613 5,180 254,591 
Loss— — 10 — — 3 — 11 24 
Total$299,127 $51,834 $135,361 $188,651 $228,768 $232,785 $1,207,596 $42,241 $2,386,363 
Gross Charge-offs199 307 — — — 621 — 164 1,291 
Construction
Pass$169,743 $171,558 $221,207 $346,051 $66,878 $— $116,245 $— $1,091,682 
Special Mention— — — 4,435 — — — — 4,435 
Substandard— 204 — 5,380 3,400 — — — 8,984 
Total$169,743 $171,762 $221,207 $355,866 $70,278 $— $116,245 $— $1,105,101 
Land - acquisition & development
Pass$48,379 $18,650 $11,026 $27,172 $33,060 $1,376 $— $— $139,663 
Substandard— — — — — 259 — — 259 
Total$48,379 $18,650 $11,026 $27,172 $33,060 $1,635 $— $— $139,922 
Total commercial loans
Pass$845,225 $554,579 $1,008,590 $3,039,241 $2,031,404 $2,239,804 $1,237,513 $38,148 $10,994,504 
Special Mention— 1,975 8,225 93,081 35,614 98,484 10,451 — 247,830 
Substandard37,824 3,246 46,177 96,634 101,451 182,041 131,615 5,180 604,168 
Doubtful— — — — — 5,131 — — 5,131 
Loss— — 10 — — 3 — 11 24 
Total$883,049 $559,800 $1,063,002 $3,228,956 $2,168,469 $2,525,463 $1,379,579 $43,339 $11,851,657 
Gross Charge-offs$381 $307 $— $163 $271 $10,212 $— $164 $11,498 
September 30, 2025Term Loans Amortized Cost Basis by Origination Year
20252024202320222021Prior to 2021Revolving LoansRevolving to Term LoansTotal Loans
Consumer loans
Single-family residential
Current$202,919 $353,679 $786,634 $2,143,244 $1,912,465 $2,491,902 $— $— $7,890,843 
30 days past due402 949 1,751 1,061 7,107 5,369 — — 16,639 
60 days past due— 376 965 692 339 3,804 — — 6,176 
90+ days past due— 998 813 3,711 4,414 13,337 — — 23,273 
Total$203,321 $356,002 $790,163 $2,148,708 $1,924,325 $2,514,412 $— $— $7,936,931 
Gross Charge-offs— — — — — 338 — — 338 
Construction - custom
Current$34,932 $33,380 $5,256 $3,915 $— $— $— $— $77,483 
90+ days past due— — — 760 — — — — 760 
Total$34,932 $33,380 $5,256 $4,675 $— $— $— $— $78,243 
Land - consumer lot loans
Current$6,175 $14,686 $9,091 $19,489 $20,373 $18,550 $— $— $88,364 
30 days past due— — — 55 194 — — — 249 
60 days past due— — 60 — — — — — 60 
90+ days past due— — — — — 23 — — 23 
Total$6,175 $14,686 $9,151 $19,544 $20,567 $18,573 $— $— $88,696 
HELOC
Current$— $— $— $— $— $4,276 $262,581 $2,247 $269,104 
30 days past due— — — — — 145 1,183 104 1,432 
60 days past due— — — — — 181 203 — 384 
90+ days past due— — — — — — 366 — 366 
Total$— $— $— $— $— $4,602 $264,333 $2,351 $271,286 
Consumer
Current$158 $30 $17 $— $7,507 $22,365 $31,095 $— $61,172 
30 days past due— — — — — — 99 — 99 
60 days past due— — — — — 52 50 — 102 
90+ days past due— — — — — 44 108 — 152 
Total$158 $30 $17 $— $7,507 $22,461 $31,352 $— $61,525 
Gross Charge-offs— 2 — — — 62 1,252 18 1,334 
Total consumer loans
Current$244,184 $401,775 $800,998 $2,166,648 $1,940,345 $2,537,093 $293,676 $2,247 $8,386,966 
30 days past due402 949 1,751 1,116 7,301 5,514 1,282 104 18,419 
60 days past due— 376 1,025 692 339 4,037 253 — 6,722 
90+ days past due— 998 813 4,471 4,414 13,404 474 — 24,574 
Total$244,586 $404,098 $804,587 $2,172,927 $1,952,399 $2,560,048 $295,685 $2,351 $8,436,681 
Gross Charge-offs$— $2 $— $— $— $400 $1,252 $18 $1,672