Loans Held For Sale (Tables)

9 Months Ended

Mar. 31, 2022

Receivables [Abstract]

Schedule of Loans Held for Sale

Loans held for sale as of the dates indicated consist of the following:

	March 31, 2022		June 30, 2021
One-to-four family	$	14,647	$	31,873
SBA	8,105		4,160
HELOCs - originated	62,511		57,506
Total	$	85,263	$	93,539

Loans consist of the following at the dates indicated:

	March 31, 2022		June 30, 2021
Commercial loans:
Commercial real estate	$	1,102,184	$	1,142,276
Construction and development	251,668		179,427
Commercial and industrial	167,342		141,341
Equipment finance	378,629		317,920
Municipal finance	130,260		140,421
PPP loans	2,756		46,650
Total commercial loans	2,032,839		1,968,035
Retail consumer loans:
One-to-four family	347,945		406,549
HELOCs - originated	128,445		130,225
HELOCs - purchased	26,911		38,976
Construction and land/lots	72,735		66,027
Indirect auto finance	83,903		115,093
Consumer	6,760		8,362
Total retail consumer loans	666,699		765,232
Total loans, net of deferred loan fees and costs	2,699,538		2,733,267
Allowance for credit losses on loans	(31,034)		(35,468)
Loans, net	$	2,668,504	$	2,697,799

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(1) At March 31, 2022 and June 30, 2021 accrued interest receivable of $7,427 and $7,339 was accounted for separately from the amortized cost basis.

The following tables provide a breakdown between loans identified as CDAs and non-CDAs, by segment and class, and securing collateral, as well as collateral coverage for those loans for the periods indicated below:

	Type of Collateral and Extent to Which Collateral Secures Financial Assets
March 31, 2022	Residential Property		Investment Property		Commercial Property		Business Assets		Financial Assets Not Considered Collateral Dependent		Total
Commercial loans:
Commercial real estate	$	—	$	—	$	282	$	—	$	1,101,902	$	1,102,184
Construction and development	—		—		—		—		251,668		251,668
Commercial and industrial	—		—		—		1,311		166,031		167,342
Equipment finance	—		—		—		—		378,629		378,629
Municipal finance	—		—		—		—		130,260		130,260
PPP loans	—		—		—		—		2,756		2,756
Retail consumer loans:
One-to-four family	1,347		—		—		—		346,598		347,945
HELOCs - originated	—		—		—		—		128,445		128,445
HELOCs - purchased	—		—		—		—		26,911		26,911
Construction and land/lots	—		—		—		—		72,735		72,735
Indirect auto finance	—		—		—		—		83,903		83,903
Consumer	—		—		—		—		6,760		6,760
Total	$	1,347	$	—	$	282	$	1,311	$	2,696,598	$	2,699,538
Total Collateral Value	$	2,285	$	—	$	288	$	—

	Type of Collateral and Extent to Which Collateral Secures Financial Assets
June 30, 2021	Residential Property		Investment Property		Commercial Property		Business Assets		Financial Assets Not Considered Collateral Dependent		Total
Commercial loans:
Commercial real estate	$	—	$	3,421	$	2,308	$	—	$	1,136,547	$	1,142,276
Construction and development	—		80		—		—		179,347		179,427
Commercial and industrial	—		—		—		25		141,316		141,341
Equipment finance	—		—		—		—		317,920		317,920
Municipal finance	—		—		—		—		140,421		140,421
PPP loans	—		—		—		—		46,650		46,650
Retail consumer loans:
One-to-four family	807		—		—		—		405,742		406,549
HELOCs - originated	—		—		—		—		130,225		130,225
HELOCs - purchased	—		—		—		—		38,976		38,976
Construction and land/lots	—		—		—		—		66,027		66,027
Indirect auto finance	—		—		—		—		115,093		115,093
Consumer	—		—		—		—		8,362		8,362
Total	$	807	$	3,501	$	2,308	$	25	$	2,726,626	$	2,733,267
Total Collateral Value	$	1,160	$	3,602	$	2,723	$	26