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Allowance For Loan Losses
 12 Months Ended
Dec. 31, 2015
Loans and Leases Receivable, Allowance [Abstract]  
Allowance for Loan Losses
Allowance for Loan Losses
The following table details activity in the Allowance for the periods indicated:
(In Thousands)
Commercial
Real estate construction one-to-four family
Real estate construction other
Real estate term owner occupied
Real estate term non-owner occupied
Real estate term other
Consumer secured by 1st deed of trust
Consumer other
Unallocated
Total
2015
 
 
 
 
 
 
 
 

 
 

Balance, beginning of period

$5,643


$644


$1,653


$1,580


$4,704


$656


$285


$410


$1,148


$16,723

Charge-Offs
(616
)
—

—

—

—

(81
)
(28
)
(101
)
—

(826
)
Recoveries
379

—

—

—

—

107

3

13

—

502

Provision (benefit)
500

210

(214
)
77

811

(54
)
4

75

345

1,754

Balance, end of period

$5,906


$854


$1,439


$1,657


$5,515


$628


$264


$397


$1,493


$18,153

Balance, end of period:
 

 

 

 

 

 

 

 

 

Individually evaluated
 

 

 

 

 

 

 

 

 

for impairment

$344


$—


$—


$—


$—


$—


$—


$—


$—


$344

Balance, end of period:
 

 

 

 

 

 

 

 

 

Collectively evaluated
 

 

 

 

 

 

 

 

 

for impairment

$5,562


$854


$1,439


$1,657


$5,515


$628


$264


$397


$1,493


$17,809

2014
 

 

 

 

 

 

 

 

 

 

Balance, beginning of period

$5,779


$557


$539


$1,583


$4,297


$537


$322


$390


$2,278


$16,282

Charge-Offs
(319
)
—

—

(160
)
—

—

(59
)
(87
)
—

(625
)
Recoveries
1,041

625

—

—

—

—

4

32

—

1,702

Provision (benefit)
(858
)
(538
)
1,114

157

407

119

18

75

(1,130
)
(636
)
Balance, end of period

$5,643


$644


$1,653


$1,580


$4,704


$656


$285


$410


$1,148


$16,723

Balance, end of period:
 

 

 

 

 

 

 

 

 

Individually evaluated
 

 

 

 

 

 

 

 

 

for impairment

$75


$—


$—


$—


$—


$—


$—


$—


$—


$75

Balance, end of period:
 

 

 

 

 

 

 

 

 

Collectively evaluated
 

 

 

 

 

 

 

 

 

for impairment

$5,568


$644


$1,653


$1,580


$4,704


$656


$285


$410


$1,148


$16,648

2013
 

 
 
 
 
 
 
 
 
 
Balance, beginning of period

$6,308


$1,029


$326


$1,441


$4,065


$539


$344


$388


$1,968


$16,408

Charge-Offs
(1,018
)
—

—

—

—

—

(14
)
(164
)
—

(1,196
)
Recoveries
1,049

77

79

—

488

—

—

12

—

1,705

Provision (benefit)
(560
)
(549
)
134

142

(256
)
(2
)
(8
)
154

310

(635
)
Balance, end of period

$5,779


$557


$539


$1,583


$4,297


$537


$322


$390


$2,278


$16,282

Balance, end of period:
 

 

 

 

 

 

 

 

 

Individually evaluated
 

 

 

 

 

 

 

 

 

for impairment

$—


$—


$—


$—


$—


$—


$11


$—


$—


$11

Balance, end of period:
 

 

 

 

 

 

 

 

 

Collectively evaluated
 

 

 

 

 

 

 

 

 

for impairment

$5,779


$557


$539


$1,583


$4,297


$537


$311


$390


$2,278


$16,271


    
The following is a detail of the recorded investment in the loan portfolio, segregated by amounts evaluated individually or collectively in the Allowance at the periods indicated:
(In Thousands)
Commercial

Real estate construction one-to-four family

Real estate construction other

Real estate term owner occupied

Real estate term non-owner occupied

Real estate term other

Consumer secured by 1st deed of trust

Consumer other

Total
December 31, 2015
 

 

 

 

 

 

 

 

 
Balance, end of period

$329,534



$44,488



$74,931



$128,763



$314,069



$38,029



$26,673



$28,912



$985,399

Balance, end of period:
 

 

 

 

 

 

 

 

 
Individually evaluated
 

 

 

 

 

 

 

 

 
for impairment

$15,248



$—



$—



$17,229



$825



$790



$548



$—



$34,640

Balance, end of period:
 

 

 

 

 

 

 

 

 
Collectively evaluated
 

 

 

 

 

 

 

 

 
for impairment

$314,286



$44,488



$74,931



$111,534



$313,244



$37,239



$26,125



$28,912



$950,759

December 31, 2014
 

 

 

 

 

 

 

 

 
Balance, end of period

$306,543



$34,842



$91,195



$109,472



$286,616



$36,894



$32,000



$31,493



$929,055

Balance, end of period:
 

 

 

 

 

 

 

 

 
Individually evaluated
 

 

 

 

 

 

 

 

 
for impairment

$3,976



$191



$772



$1,332



$4,346



$150



$530



$—



$11,297

Balance, end of period:
 

 

 

 

 

 

 

 

 
Collectively evaluated
 

 

 

 

 

 

 

 

 
for impairment

$302,567



$34,651



$90,423



$108,140



$282,270



$36,744



$31,470



$31,493



$917,758


    
The following represents the balance of the Allowance for the periods indicated segregated by segment and class:
(In Thousands)
Total
Commercial
Real estate construction 1-4 family
Real estate construction other
Real estate term owner occupied
Real estate term non-owner occupied
Real estate term other
Consumer secured by 1st deeds of trust
Consumer other
Unallocated
December 31, 2015
 
 
 
 
 
 
 
 
 
 
Individually evaluated for impairment
 
 
 
 
 
 
 
 
 
AQR Substandard

$344


$344


$—


$—


$—


$—


$—


$—


$—


$—

Collectively evaluated for impairment:
 

 

 

 

 

 

 

 

 

AQR Pass
16,290

5,543

854

1,439

1,657

5,515

624

261

397

—

AQR Special Mention
18

11

—

—

—

—

4

3

—

—

AQR Substandard
8

8

—

—

—

—

—

—

—

—

Unallocated
1,493

—

—

—

—

—

—

—

—

1,493

 

$18,153


$5,906


$854


$1,439


$1,657


$5,515


$628


$264


$397


$1,493

December 31, 2014
 

 

 

 

 

 

 

 

 

 

Individually evaluated for impairment:
 

 

 

 

 

 

 

 

 

AQR Substandard

$75


$75


$—


$—


$—


$—


$—


$—


$—


$—

Collectively evaluated for impairment:
 

 

 

 

 

 

 

 

 

AQR Pass
14,643

4,938

644

1,653

1,382

4,703

651

278

394

—

AQR Special Mention
832

621

—

—

198

—

5

7

1

—

AQR Substandard
25

9

—

—

—

1

—

—

15

—

Unallocated
1,148

—

—

—

—

—

—

—

—

1,148

 

$16,723


$5,643


$644


$1,653


$1,580


$4,704


$656


$285


$410


$1,148