TROUBLED DEBT RESTRUCTURINGS (Tables)

3 Months Ended

Sep. 30, 2013

The following tables summarize TDRs by loan type and accrual status.

	At September 30, 2013
					Total
					Unpaid						Number		Average
	Loan Status				Principal		Related		Recorded		of		Recorded
(In thousands)	Accrual		Nonaccrual		Balance		Allowance		Investment		Loans		Investment
One- to Four-Family residential real estate	$	2,048	$	1,624	$	3,672	$	7	$	3,666		25	$	4,137
Multi-family residential real estate		5,799		-		5,799		20		5,778		11		6,924
Nonresidential real estate		3,629		2,664		6,293		120		6,173		13		6,205
Total	$	11,476	$	4,288	$	15,764	$	147	$	15,617		49	$	17,266

	At June 30, 2013
					Total
					Unpaid						Number		Average
	Loan Status				Principal		Related		Recorded		of		Recorded
(In thousands)	Accrual		Nonaccrual		Balance		Allowance		Investment		Loans		Investment
One- to Four-Family residential real estate	$	2,061	$	2,554	$	4,615		7	$	4,608		27	$	4,779
Multi-family residential real estate		5,827		2,263		8,090		20		8,070		12		9,935
Nonresidential real estate		3,656		2,701		6,357		120		6,237		13		5,941
Total	$	11,544	$	7,518	$	19,062	$	147	$	18,915		52	$	20,655

Interest income recognized on TDRs is as follows:

	For the three months ended September 30,
	2013		2012

One- toFour-Family residential real estate	$	20	$	17
Multifamily residential real estate		82		86
Nonresidential real estate		39		20
Construction		-		-
Commercial		-		-
Consumer		-		-
Total	$	141	$	123

The following table is a roll forward of activity in our TDRs:

	Three Months Ended September 30, 2013
	Recorded Investment		Number of Loans
(Dollar amounts in thousands)
Beginning balance	$	18,915		52
Additions to TDR		-		-
Charge-offs		(24)		-
Removal of TDRs⁽¹⁾		(3,151)		(3)
Payments		(123)		-
Ending balance	$	15,617		49

⁽¹⁾ The removal of these loans from TDR was due to the payoff of the loans during the quarter ended September 30, 2013.