Allowance for Loan Losses (Tables)

12 Months Ended

Dec. 31, 2013

Allowance for Loan Losses

Summary of allocation of the allowance as well as the activity in the allowance attributed to various segments in the loan portfolio

	Commercial and industrial			Commercial owner occupied			SBA			Warehouse			Commercial non-owner occupied			Multi-family			One-to-four family			Construction			Land			Other loans			Total
	(dollars in thousands)
Balance, December 31, 2012	$	1,310		$	1,512		$	79		$	1,544		$	1,459		$	1,145		$	862		$	—		$	31		$	52		$	7,994
Charge-offs	(509		)	(232		)	(143		)	—			(756		)	(101		)	(272		)	—			—			(18		)	(2,031		)
Recoveries	138			—			50			—			—			—			47			—			—			142			377
Provisions for (reduction in) loan losses	1,029			538			165			(1,152		)	955			(227		)	462			136			96			(142		)	1,860
Balance, December 31, 2013	$	1,968		$	1,818		$	151		$	392		$	1,658		$	817		$	1,099		$	136		$	127		$	34		$	8,200
Amount of allowance attributed to:
Specifically evaluated impaired loans	$	—		$	—		$	—		$	—		$	1		$	—		$	104		$	—		$	—		$	—		$	105
General portfolio allocation	1,968			1,818			151			392			1,657			817			995			136			127			34			8,095
Loans individually evaluated for impairment	—			747			14			—			983			—			683			—			—			—			2,427
Specific reserves to total loans individually evaluated for impairment	0.00		%	0.00		%	0.00		%	0.00		%	0.10		%	0.00		%	15.23		%	0.00		%	0.00		%	0.00		%	4.33		%
Loans collectively evaluated for impairment	$	187,035		$	220,342		$	10,645		$	87,517		$	332,561		$	233,689		$	144,552		$	13,040		$	7,605		$	3,839		$	1,240,825
General reserves to total loans collectively evaluated for impairment	1.05		%	0.83		%	1.42		%	0.45		%	0.50		%	0.35		%	0.69		%	1.04		%	1.67		%	0.89		%	0.65		%
Total gross loans	$	187,035		$	221,089		$	10,659		$	87,517		$	333,544		$	233,689		$	145,235		$	13,040		$	7,605		$	3,839		$	1,243,252
Total allowance to gross loans	1.05		%	0.82		%	1.42		%	0.45		%	0.50		%	0.35		%	0.76		%	1.04		%	1.67		%	0.89		%	0.66		%
	Commercial and industrial			Commercial owner occupied			SBA			Warehouse			Commercial non-owner occupied			Multi-family			One-to-four family			Construction			Land			Other loans			Total
	(dollars in thousands)
Balance, December 31, 2011	$	1,361		$	1,119		$	80		$	1,347		$	1,287		$	2,281		$	931		$	—		$	39		$	77		$	8,522
Charge-offs	(512		)	(265		)	(132		)	—			(88		)	—			(371		)	—			(145		)	(2		)	(1,515		)
Recoveries	2			—			163			—			21			—			8			—			—			42			236
Provisions for (reduction in) loan losses	459			658			(32		)	197			239			(1,136		)	294			—			137			(65		)	751
Balance, December 31, 2012	$	1,310		$	1,512		$	79		$	1,544		$	1,459		$	1,145		$	862		$	—		$	31		$	52		$	7,994
Amount of allowance attributed to:
Specifically evaluated impaired loans	$	270		$	—		$	—		$	—		$	—		$	—		$	395		$	—		$	—		$	—		$	665
General portfolio allocation	$	1,040		$	1,512		$	79		$	1,544		$	1,459		$	1,145		$	467		$	—		$	31		$	52		$	7,329
Loans individually evaluated for impairment	$	593		$	—		$	259		$	—		$	670		$	266		$	948		$	—		$	—		$	—		$	2,736
Specific reserves to total loans individually evaluated for impairment	45.53		%	0.00		%	0.00		%	0.00		%	0.00		%	0.00		%	41.67		%	0.00		%	0.00		%	0.00		%	24.31		%
Loans collectively evaluated for impairment	$	114,761		$	150,934		$	6,623		$	195,761		$	252,739		$	156,158		$	96,515		$	—		$	8,774		$	1,193		$	983,458
General reserves to total loans collectively evaluated for impairment	0.91		%	1.00		%	1.19		%	0.79		%	0.58		%	0.73		%	0.48		%	0.00		%	0.35		%	4.36		%	0.75		%
Total gross loans	$	115,354		$	150,934		$	6,882		$	195,761		$	253,409		$	156,424		$	97,463		$	—		$	8,774		$	1,193		$	986,194
Total allowance to gross loans	1.14		%	1.00		%	1.15		%	0.79		%	0.58		%	0.73		%	0.88		%	0.00		%	0.35		%	4.36		%	0.81		%