Loans Receivable | Loans receivable are as follows: December 31, 2015 2014 One-to-four family residential real estate $ 159,501 $ 180,337 Multi-family mortgage 506,026 480,349 Nonresidential real estate 226,735 234,500 Construction and land 1,313 1,885 Commercial loans 79,516 66,882 Commercial leases 265,405 217,143 Consumer 1,831 2,051 1,240,327 1,183,147 Net deferred loan origination costs 1,621 1,199 Allowance for loan losses (9,691 ) (11,990 ) Loans, net $ 1,232,257 $ 1,172,356 Loan Origination/Risk Management. The Company has certain lending policies and procedures in place that are designed to maximize loan income within an acceptable level of risk. The Company reviews and approves these policies and procedures on a periodic basis. A reporting system supplements the review process by providing management with frequent reports related to loan production, loan quality, concentrations of credit, loan delinquencies and nonperforming and potential problem loans via trend and risk rating migration. The Company requires title insurance insuring the priority of our lien, fire and extended coverage casualty insurance, and, if appropriate, flood insurance, in order to protect our security interest in the underlying property. The majority of the loans the Company originates are investment and business loans (multi-family, nonresidential real estate, commercial, construction and land loans, and commercial leases). In addition, we originate one-to-four family residential mortgage loans and consumer loans, and purchase and sell loan participations from time-to-time. The following briefly describes our principal loan products. The Company originates real estate loans principally secured by first liens on nonresidential real estate. The nonresidential real estate properties are predominantly office buildings, light industrial buildings, shopping centers and mixed-use developments and, to a lesser extent, more specialized properties such as nursing homes and other healthcare facilities. The Company may, from time to time, purchase commercial real estate loan participations. Multi-family mortgage loans generally are secured by multi-family rental properties such as apartment buildings, including subsidized apartment units. In general, loan amounts range between $250,000 and $3.0 million . Approximately 38.7% of the collateral is located outside of our primary market area; however, we do not have a concentration in any single market outside of our primary market territory. In underwriting multi-family mortgage loans, the Company considers a number of factors, which include the projected net cash flow to the loan’s debt service requirement (generally requiring a minimum ratio of 120% ), the age and condition of the collateral, the financial resources and income level of the borrower and the borrower’s experience in owning or managing similar properties and, proximity to diverse employment opportunities. Multi-family mortgage loans are generally originated in amounts up to 80% of the appraised value of the property securing the loan. Personal guarantees are usually obtained from multi-family mortgage borrowers. Loans secured by multi-family mortgages generally involve a greater degree of credit risk than one- to four-family residential mortgage loans and carry larger loan balances. This increased credit risk is a result of several factors, including the concentration of principal in a limited number of loans and borrowers, the effects of general economic conditions on income producing properties, and the increased difficulty of evaluating and monitoring these types of loans. Furthermore, the repayment of loans secured by multi-family mortgages typically depends upon the successful operation of the related real estate property. If the cash flow from the project is reduced below acceptable thresholds, the borrower’s ability to repay the loan may be impaired. The Company emphasizes nonresidential real estate loans with initial principal balances between $250,000 and $3.0 million . Substantially all of our nonresidential real estate loans are secured by properties located in our primary market area. The Company’s nonresidential real estate loans are generally written as three - or five -year adjustable-rate mortgages or mortgages with balloon maturities of three or five years. Amortization on these loans is typically based on 20 - to 30 -year schedules. The Company also originates some 15 -year fixed-rate, fully amortizing loans. In the underwriting of nonresidential real estate loans, the Company generally lends up to 80% of the property’s appraised value. Decisions to lend are based on the economic viability of the property as the primary source of repayment and the creditworthiness of the borrower. In evaluating a proposed commercial real estate loan, we emphasize the ratio of the property’s projected net cash flow to the loan’s debt service requirement (generally requiring a minimum ratio of 120% ), computed after deduction for a vacancy factor and property expenses we deem appropriate. Personal guarantees are pursued and usually obtained from nonresidential real estate borrowers. Nonresidential real estate loans generally carry higher interest rates and have shorter terms than those on one- to four-family residential mortgage loans. Nonresidential real estate loans, however, entail significant additional credit risks compared to one- to four-family residential mortgage loans, as they typically involve larger loan balances concentrated with single borrowers or groups of related borrowers. In addition, the payment of loans secured by income-producing properties typically depends on the successful operation of the related real estate project and thus may be subject to a greater extent to adverse conditions in the real estate market and in the general economy. The Company makes various types of secured and unsecured commercial loans to customers in our market area for the purpose of financing equipment acquisition, expansion, working capital and other general business purposes. The terms of these loans generally range from less than one year to five years. The loans are either negotiated on a fixed-rate basis or carry adjustable interest rates indexed to (i) a lending rate that is determined internally, or (ii) a short-term market rate index. Commercial credit decisions are based upon our credit assessment of the loan applicant. The Company determines the applicant’s ability to repay in accordance with the proposed terms of the loans and we assess the risks involved. An evaluation is made of the applicant to determine character and capacity to manage. Personal guarantees of the principals are pursued and usually obtained. In addition to evaluating the loan applicant’s financial statements, we consider the adequacy of the primary and secondary sources of repayment for the loan. Credit agency reports of the applicant’s credit history supplement our analysis of the applicant’s creditworthiness and at times are supplemented with inquiries to other banks and trade investigations. Moreover, assets listed on personal financial statements are verified. Collateral supporting a secured transaction also is analyzed to determine its marketability. Commercial business loans generally have higher interest rates than residential loans of like duration because they have a higher risk of default since their repayment generally depends on the successful operation of the borrower’s business and the sufficiency of any collateral. Pricing of commercial loans is based primarily on the credit risk of the borrower, with due consideration given to borrowers with appropriate deposit relationships. The Company also lends money to small and mid-size leasing companies for equipment financing leases. Generally, commercial leases are secured by an assignment by the leasing company of the lease payments and by a secured interest in the equipment being leased. In most cases, the lessee acknowledges our security interest in the leased equipment and agrees to send lease payments directly to us. Consequently, the Company underwrites lease loans by examining the creditworthiness of the lessee rather than the lessor. Lease loans generally are non-recourse to the leasing company. The Company’s commercial leases are secured primarily by technology equipment, medical equipment, material handling equipment and other capital equipment. Lessees tend to be publicly-traded companies with investment-grade rated debt or companies that have not issued public debt and therefore do not have a public debt rating. The Company requires that a minimum of 50% of our commercial lessees have an investment grade public debt rating by Moody’s or Standard & Poors, or the equivalent. Commercial leases to these entities have a maximum maturity of seven years and a maximum outstanding credit exposure of $15.0 million to any single entity. If the lessee does not have a public debt rating, they are subject to the same internal credit analysis as any other customer. Typically, commercial leases to these lessees have a maximum maturity of five years and a maximum outstanding credit exposure of $5.0 million to any single entity. In addition, the Company will originate commercial leases to lessees with below-investment grade public debt ratings and have a maximum outstanding credit exposure of $10.0 million to any single entity. Lease loans are almost always fully amortizing, with fixed interest rates. Although the Company does not actively originate construction and land loans presently, construction and land loans generally consist of land acquisition loans to help finance the purchase of land intended for further development, including single-family homes, multi-family housing and commercial income property, development loans to builders in our market area to finance improvements to real estate, consisting mostly of single-family subdivisions, typically to finance the cost of utilities, roads, sewers and other development costs. These builders generally rely on the sale of single-family homes to repay development loans, although in some cases the improved building lots may be sold to another builder, often in conjunction with development loans. Construction and land loans typically involve a higher degree of credit risk than financing on improved, owner-occupied real estate. The risk of loss on construction and land loans is largely dependent upon the accuracy of the initial appraisal of the property’s value upon completion of construction or development; the estimated cost of construction, including interest; and the estimated time to complete and/or sell or lease such property. The Company seeks to minimize these risks by maintaining consistent lending policies and underwriting standards. However, if the estimate of value proves to be inaccurate, the cost of completion is greater than expected, the length of time to complete and/or sell or lease the collateral property is greater than anticipated, or if there is a downturn in the local economy or real estate market, the property could have a value upon completion that is insufficient to assure full repayment of the loan. This could have a material adverse effect on the quality of the construction and land loan portfolio, and could result in significant losses or delinquencies. The Company offers conforming and non-conforming, fixed-rate and adjustable-rate residential mortgage loans with maturities of up to 30 years and maximum loan amounts generally of up to $2.5 million . The Company currently offers fixed-rate conventional mortgage loans with terms of 10 to 30 years that are fully amortizing with monthly payments, and adjustable-rate conventional mortgage loans with initial terms of between one and five years that amortize up to 30 years. One- to four-family residential mortgage loans are generally underwritten according to Fannie Mae guidelines, and loans that conform to such guidelines are referred to as “conforming loans.” The Company generally originates both fixed- and adjustable-rate loans in amounts up to the maximum conforming loan limits as established by Fannie Mae, which is currently $417,000 for single-family homes. Private mortgage insurance is required for first mortgage loans with loan-to-value ratios in excess of 80% . The Company also originates loans above conforming limits, sometimes referred to as “jumbo loans,” that have been underwritten to the credit standards of Fannie Mae. These loans are generally eligible for sale to various firms that specialize in the purchase of such non-conforming loans. In the Chicago metropolitan area, larger residential loans are not uncommon. The Company also originates loans at higher rates that do not fully meet the credit standards of Fannie Mae but are deemed to be acceptable risks. The primary markets served by the Company have seen gradually broadening signs of stability amid widespread economic weakness and high unemployment. The ability of the Company’s borrowers to repay their loans, and the value of the collateral securing such loans, could be adversely impacted by a return to economic weakness in its local markets as a result of unemployment, declining real estate values, or increased residential and office vacancies. This not only could result in the Company experiencing charge-offs and/or nonperforming assets, but also could necessitate an increase in the provision for loan losses. These events, if they were to recur, would have an adverse impact on the Company’s results of operations and its capital. The following tables present the balance in the allowance for loan losses and the loans receivable by portfolio segment and based on impairment method: Allowance for loan losses Loan Balances Individually evaluated for impairment Collectively evaluated for impairment Total Individually evaluated for impairment Collectively evaluated for impairment Total December 31, 2015 One-to-four family residential real estate $ — $ 1,704 $ 1,704 $ 2,672 $ 156,829 $ 159,501 Multi-family mortgage 41 3,569 3,610 2,879 503,147 506,026 Nonresidential real estate 3 2,579 2,582 2,099 224,636 226,735 Construction and land — 43 43 — 1,313 1,313 Commercial loans — 654 654 — 79,516 79,516 Commercial leases — 1,073 1,073 — 265,405 265,405 Consumer — 25 25 — 1,831 1,831 $ 44 $ 9,647 $ 9,691 $ 7,650 $ 1,232,677 1,240,327 Net deferred loan origination costs 1,621 Allowance for loan losses (9,691 ) Loans, net $ 1,232,257 Allowance for loan losses Loan Balances Individually evaluated for impairment Collectively evaluated for impairment Total Individually evaluated for impairment Collectively evaluated for impairment Total December 31, 2014 One-to-four family residential real estate $ 8 $ 2,140 $ 2,148 $ 4,174 $ 176,163 $ 180,337 Multi-family mortgage 226 4,979 5,205 5,282 475,067 480,349 Nonresidential real estate 236 2,704 2,940 4,690 229,810 234,500 Construction and land — 80 80 — 1,885 1,885 Commercial loans — 554 554 76 66,806 66,882 Commercial leases — 1,009 1,009 — 217,143 217,143 Consumer — 54 54 — 2,051 2,051 $ 470 $ 11,520 $ 11,990 $ 14,222 $ 1,168,925 1,183,147 Net deferred loan origination costs 1,199 Allowance for loan losses (11,990 ) Loans, net $ 1,172,356 Activity in the allowance for loan losses is as follows: For the years ended December 31, 2015 2014 2013 Beginning balance $ 11,990 $ 14,154 $ 18,035 Loans charged off: One-to-four family residential real estate (386 ) (873 ) (1,505 ) Multi-family mortgage (198 ) (1,230 ) (1,832 ) Nonresidential real estate (391 ) (1,727 ) (577 ) Construction and land — (1 ) (943 ) Commercial loans (152 ) (123 ) (425 ) Commercial leases — (8 ) — Consumer (16 ) (12 ) (55 ) (1,143 ) (3,974 ) (5,337 ) Recoveries: One-to-four family residential real estate 702 418 447 Multi-family mortgage 182 100 236 Nonresidential real estate 509 423 519 Construction and land 44 377 463 Commercial loans 611 1,225 470 Commercial leases 1 — — Consumer 1 3 8 2,050 2,546 2,143 Net recoveries (charge-off) 907 (1,428 ) (3,194 ) Recovery of loan losses (3,206 ) (736 ) (687 ) Ending balance $ 9,691 $ 11,990 $ 14,154 Impaired loans Several of the following disclosures are presented by “recorded investment,” which the FASB defines as “the amount of the investment in a loan, which is not net of a valuation allowance, but which does reflect any direct write-down of the investment.” The following represents the components of recorded investment: Loan principal balance Less unapplied payments Plus negative unapplied balance Less escrow balance Plus negative escrow balance Plus unamortized net deferred loan costs Less unamortized net deferred loan fees Plus unamortized premium Less unamortized discount Less previous charge-offs Plus recorded accrued interest Less reserve for uncollected interest = Recorded investment The following tables present loans individually evaluated for impairment by class of loans: Loan Balance Recorded Investment Partial Charge-off Allowance for Loan Losses Allocated Average Investment in Impaired Loans Interest Income Recognized December 31, 2015 With no related allowance recorded One-to-four family residential real estate $ 3,203 $ 2,637 $ 637 $ — $ 2,708 $ 24 One-to-four family residential real estate - non-owner occupied 23 21 2 — 859 — Multi-family mortgage 1,863 1,837 — — 1,962 78 Wholesale commercial lending 511 507 — — 514 34 Nonresidential real estate 2,066 2,049 — — 1,877 102 7,666 7,051 639 — 7,920 238 With an allowance recorded Multi-family mortgage 518 518 — 41 1,181 — Nonresidential real estate 62 39 27 3 1,439 — 580 557 27 44 2,620 — $ 8,246 $ 7,608 $ 666 $ 44 $ 10,540 $ 238 Loan Balance Recorded Investment Partial Charge-off Allowance for Loan Losses Allocated Average Investment in Impaired Loans Interest Income Recognized December 31, 2014 With no related allowance recorded One-to-four family residential real estate $ 3,246 $ 2,656 $ 649 $ — $ 2,777 $ 44 One-to-four family residential real estate - non-owner occupied 1,481 1,425 57 — 745 76 Multi-family mortgage 3,174 2,593 481 — 3,419 120 Wholesale commercial lending 519 513 — — 401 — Nonresidential real estate 2,118 2,068 6 — 4,175 72 Commercial loans - secured 76 76 — — 93 3 10,614 9,331 1,193 — 11,610 315 With an allowance recorded One-to-four family residential real estate - non-owner occupied 115 78 37 8 202 — Multi-family mortgage 2,713 2,131 624 226 2,343 48 Nonresidential real estate 2,950 2,605 326 236 1,718 67 5,778 4,814 987 470 4,263 115 $ 16,392 $ 14,145 $ 2,180 $ 470 $ 15,873 $ 430 Purchased Impaired Loans As a result of its acquisition of Downers Grove National Bank, the Company holds purchased loans for which there was evidence of deterioration of credit quality since origination and for which it was probable that all contractually required payments would not be collected as of the date of the acquisition. The carrying amount of these purchased impaired loans is as follows: December 31, 2015 2014 One–to–four family residential real estate $ — $ 52 Nonresidential real estate — — Commercial loans — — Outstanding balance $ — $ 52 Carrying amount, net of allowance (None at December 31, 2014, $5 at December 31, 2013) $ — $ — Accretable yield, or income expected to be collected, related to purchased impaired loans is as follows: For the years ended December 31, 2015 2014 Beginning balance $ 37 $ 196 Disposals — — Reclassifications from nonaccretable difference (1 ) 35 Accretion of income 36 194 Ending balance $ — $ 37 For the above purchased impaired loans, the Company decreased the allowance for loan losses by $5,000 for the year ended December 31, 2015 and decreased the allowance for loan losses by $105,000 for the year ended December 31, 2014 . Purchased impaired loans for which it was probable at the date of acquisition that all contractually required payments would not be collected are as follows: December 31, 2015 2014 Contractually required payments receivable of loans purchased One-to-four family residential real estate $ 82 $ 832 Nonresidential real estate — 1,999 Commercial loans — 222 $ 82 $ 3,053 At acquisition, cash flows expected to be collected were $18.8 million , compared to the fair value of purchased impaired loans of $15.4 million . The Company’s reserve for uncollected loan interest was $181,000 and $464,000 at December 31, 2015 and 2014 , respectively. Except for purchased impaired loans, when a loan is on non-accrual status and the ultimate collectability of the total principal of an impaired loan is in doubt, all payments are applied to principal under the cost recovery method. Alternatively, when a loan is on non-accrual status but there is doubt concerning only the ultimate collectability of interest, contractual interest is credited to interest income only when received, under the cash basis method pursuant to the provisions of FASB ASC 310–10, as applicable. In all cases, the average balances are calculated based on the month–end balances of the financing receivables within the period reported pursuant to the provisions of FASB ASC 310–10, as applicable. Troubled Debt Restructurings The Company evaluates loan extensions or modifications in accordance with FASB ASC 310–40 with respect to the classification of the loan as a TDR. In general, if the Company grants a loan extension or modification to a borrower for other than an insignificant period of time that includes a below–market interest rate, principal forgiveness, payment forbearance or other concession intended to minimize the economic loss to the Company, the loan extension or loan modification is classified as a TDR. In cases where borrowers are granted new terms that provide for a reduction of either interest or principal then due and payable, management measures any impairment on the restructured loan in the same manner as for impaired loans as noted above. The Company had $2.7 million of TDRs at December 31, 2015 , compared to $3.0 million at December 31, 2014 , with zero and $38,000 in specific valuation reserves allocated at December 31, 2015 and 2014 , respectively. The Company had no outstanding commitments to borrowers whose loans are classified as TDRs. The following table presents loans classified as TDRs: December 31, 2015 2014 One-to-four family residential real estate $ 1,385 $ 1,917 Multi-family mortgage 1,119 510 Accrual troubled debt restructured loans 2,504 2,427 One-to-four family residential real estate 174 230 Multi-family mortgage — 346 Nonaccrual troubled debt restructured loans 174 576 $ 2,678 $ 3,003 During the years ending December 31, 2015 and 2014 , the terms of certain loans were modified and classified as TDRs. The modification of the terms of such loans included one or a combination of the following: a reduction of the stated interest rate of the loan; an extension of the maturity date at a stated rate of interest lower than the current market rate for new debt with similar risk; or a permanent reduction of the recorded investment in the loan. The following tables present TDRs that occurred during the year: For the years ended December 31, 2015 2014 Number of loans Pre- Modification outstanding recorded investment Post- Modification outstanding recorded investment Number of loans Pre- Modification outstanding recorded investment Post- Modification outstanding recorded investment One-to-four family residential real estate 6 $ 401 $ 274 4 $ 485 $ 444 Multi-family mortgage 1 615 615 — — — Commercial loans - secured — — — 1 210 5 7 $ 1,016 $ 889 5 $ 695 $ 449 Due to reduction in interest rate Due to extension of maturity date Due to permanent reduction in recorded investment Total For the year ended December 31, 2015 One-to-four family residential real estate $ — $ 142 $ 132 $ 274 Multi-family mortgage — 615 — 615 $ — $ 757 $ 132 $ 889 For the year ended December 31, 2014 One-to-four family residential real estate $ 19 $ 373 $ 52 $ 444 Commercial loans - secured — — 5 5 $ 19 $ 373 $ 57 $ 449 The TDRs described had no material impact on interest income, resulted in no change to the allowance for loan losses allocated and resulted in charge offs of $127,000 for the year ended December 31, 2015 . The TDRs described above decreased interest income by $2,000 , resulted in no change to the allowance for loan losses and resulted in charge offs of $248,000 for the year ended December 31, 2014 . The following table presents TDRs for which there was a payment default within twelve months following the modification: For the years ended December 31, 2015 2014 Number of loans Recorded investment Number of loans Recorded investment One-to-four family residential real estate 2 $ 43 2 $ 78 A loan is considered to be in payment default once it is 90 days contractually past due under the modified terms. The TDRs that subsequently defaulted described above had no material impact on the allowance for loans losses during the years ending December 31, 2015 and 2014. The terms of certain other loans were modified during the year ending December 31, 2015 that did not meet the definition of a TDR. These loans have a total recorded investment of $1.9 million and $1.0 million at December 31, 2015 and 2014 . The modification of these loans involved either a modification of the terms of a loan to borrowers who were not experiencing financial difficulties or a delay in a payment that was considered to be insignificant. 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 under the Company’s internal underwriting policy. Credit Quality Indicators: The Company categorizes loans into risk categories based on relevant information about the ability of borrowers to service their debt, including current financial information, historical payment experience, credit documentation, public information, and current economic trends, among other factors. The Company analyzes loans individually by classifying the loans based on credit risk. This analysis includes non-homogeneous loans, such as commercial and commercial real estate loans. This analysis is performed on a monthly basis. The Company uses the following definitions for risk ratings: Special Mention. A Special Mention asset has potential weaknesses that deserve management’s close attention. If left uncorrected, these potential weaknesses may result in deterioration of the repayment prospects for the asset or in the institution’s credit position at some future date. Special Mention assets are not adversely classified and do not expose an institution to sufficient risk to warrant adverse classification. Substandard. Loans categorized as substandard continue to accrue interest, but exhibit a well-defined weakness or weaknesses that may jeopardize the liquidation of the debt. The loans continue to accrue interest because they are well secured and collection of principal and interest is expected within a reasonable time. The risk rating guidance published by the Office of the Comptroller of the Currency clarifies that a loan with a well-defined weakness does not have to present a probability of default for the loan to be rated Substandard, and that an individual loan’s loss potential does not have to be distinct for the loan to be rated Substandard. Nonaccrual. An asset classified Nonaccrual has all the weaknesses inherent in one classified 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. The loans were placed on nonaccrual status. Loans not meeting the criteria above that are analyzed individually as part of the above described process are considered “Pass” rated loans. As of December 31, 2015 , and based on the most recent analysis performed, the risk category of loans by class of loans is as follows: Pass Special Mention Substandard Nonaccrual Total One-to-four family residential real estate $ 112,449 $ — $ 576 $ 1,936 $ 114,961 One-to-four family residential real estate - non-owner occupied 43,858 219 271 192 44,540 Multi-family mortgage - Illinois 312,329 344 4,656 828 318,157 Multi-family mortgage - Other 187,358 — 511 — 187,869 Nonresidential real estate 219,859 1,600 4,981 295 226,735 Construction 21 — — — 21 Land 450 — 842 — 1,292 Commercial loans: Regional commercial banking 29,377 — 614 — 29,991 Health care 31,809 — — — 31,809 Direct commercial lessor 17,716 — — — 17,716 Commercial leases: Investment rated commercial leases 170,100 — — — 170,100 Other commercial leases 95,305 — — — 95,305 Consumer 1,831 — — — 1,831 $ 1,222,462 $ 2,163 $ 12,451 $ 3,251 $ 1,240,327 As of December 31, 2014 , and based on the most recent analysis performed, the risk category of loans by class of loans is as follows: Pass Special Mention Substandard Nonaccrual Total One-to-four family residential real estate $ 126,102 $ 615 $ 1,046 $ 4,228 $ 131,991 One-to-four family residential real estate - non-owner occupied 46,253 931 964 198 48,346 Multi-family mortgage - Illinois 330,878 609 3,430 4,515 339,432 Multi-family mortgage - Other 140,398 — 519 — 140,917 Nonresidential real estate 223,385 1,170 6,698 3,247 234,500 Construction 60 — — — 60 Land 1,212 — 613 — 1,825 Commercial loans: Regional commercial banking 23,978 40 705 76 24,799 Health care 24,770 — — — 24,770 Direct commercial lessor 17,313 — — — 17,313 Commercial leases: Investment rated commercial leases 160,208 — — — 160,208 Other commercial leases 56,935 — — — 56,935 Consumer 2,048 — — 3 2,051 $ 1,153,540 $ 3,365 $ 13,975 $ 12,267 $ 1,183,147 | Past Due Loans The following tables present the aging of the recorded investment in past due loans at December 31, 2015 by class of loans: 30-59 Days Past Due 60-89 Days Past Due 90 Days or Greater Past Due Total Past Due Loans Not Past Due Total One-to-four family residential real estate $ 2,000 $ 572 $ 1,997 $ 4,569 $ 109,893 $ 114,462 One-to-four family residential real estate - non-owner occupied 299 164 192 655 43,557 44,212 Multi-family mortgage - Illinois 651 283 821 1,755 312,620 314,375 Multi-family mortgage - Other — — — — 188,178 188,178 Nonresidential real estate — — 296 296 223,018 223,314 Construction — — — — 21 21 Land — — — — 1,279 1,279 Commercial loans: Regional Commercial Banking 4 150 — 154 29,890 30,044 Health Care — — — — 31,862 31,862 Direct Commercial Lessor — — — — 17,873 17,873 Commercial leases: — Investment rated commercial leases 50 363 — 413 170,859 171,272 Other commercial leases — — — — 95,800 95,800 Consumer 21 — — 21 1,819 1,840 Total $ 3,025 $ 1,532 $ 3,306 $ 7,863 $ 1,226,669 $ 1,234,532 The following tables present the aging of the recorded investment in past due loans as December 31, 2014 by class of loans: 30-59 Days Past Due 60-89 Days Past Due Greater than 90 Days Past Due Total Past Due Loans Not Past Due Total One-to-four family residential real estate $ 1,415 $ 276 $ 3,844 $ 5,535 $ 126,054 $ 131,589 One-to-four family residential real estate - non-owner occupied 320 165 198 683 47,350 48,033 Multi-family mortgage 2,314 1,187 3,363 6,864 328,516 335,380 Wholesale commercial lending — — — — 141,052 141,052 Nonresidential real estate 376 444 3,245 4,065 227,078 231,143 Construction — — — — 63 63 Land — — — — 1,814 1,814 Commercial loans: Regional Commercial Banking — 1 76 77 24,777 24,854 Health Care — — — — 24,799 24,799 Direct Commercial Lessor — — — — 17,380 17,380 Commercial leases: — Investment rated commercial leases 426 — — 426 160,830 161,256 Other commercial leases 144 — — 144 57,098 57,242 Consumer 18 1 3 22 2,038 2,060 $ 5,013 $ 2,074 $ 10,729 $ 17,816 $ 1,158,849 $ 1,176,665 |