Loans and Credit Quality (Tables)

12 Months Ended

Dec. 31, 2015

Receivables [Abstract]

Loan Portfolio Segmented By Risk Class

The composition of the loan portfolio as of the periods indicated is as follows:

(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 deeds of trust		Consumer other		Total
December 31, 2015
AQR Pass		$313,689		$44,488		$74,931		$112,248		$313,710		$37,938		$26,015		$28,882		$951,901
AQR Special Mention	536		—		—		—		—		91		171		10		808
AQR Substandard	15,309		—		—		16,515		359		—		487		20		32,690
Subtotal		$329,534		$44,488		$74,931		$128,763		$314,069		$38,029		$26,673		$28,912		$985,399
Less: Unearned origination fees, net of origination costs																	(4,612		)
Total loans																		$980,787
December 31, 2014
AQR Pass		$291,020		$34,651		$91,195		$103,049		$282,774		$36,705		$31,118		$31,399		$901,911
AQR Special Mention	11,618		—		—		5,817		2,095		39		396		47		20,012
AQR Substandard	3,905		191		—		606		1,747		150		486		47		7,132
Subtotal		$306,543		$34,842		$91,195		$109,472		$286,616		$36,894		$32,000		$31,493		$929,055
Less: Unearned origination fees, net of origination costs																	(4,551		)
Total loans																		$924,504

Nonaccrual Loans By Segment

Nonaccrual loans at the periods indicated, by segment are presented below:

(In  Thousands)	December 31, 2015			December 31, 2014
Commercial		$3,013			$2,031
Real estate construction one-to-four family	—			191
Real estate term owner occupied	38			135
Real estate term non-owner occupied	359			1,746
Real estate term other	—			39
Consumer secured by 1st deeds of trust	256			485
Consumer other	20			47
Total nonaccrual loans	3,686			4,674
Government guarantees on nonperforming loans	(1,561		)	(1,178		)
Net nonaccrual loans		$2,125			$3,496

Past Due Loans And Nonaccrual Loans

Past due loans and nonaccrual loans at the periods indicated are presented below by loan class:

(In Thousands)	30-59 Days Past Due Still Accruing		60-89 Days Past Due Still Accruing		Greater Than 90 Days Still Accruing		Nonaccrual		Total Past Due		Current		Total
December 31, 2015
AQR Pass		$601		$—		$—		$—		$601		$951,300		$951,901
AQR Special Mention	312		—		—		—		312		496		808
AQR Substandard	216		21		—		3,686		3,923		28,767		32,690
Subtotal		$1,129		$21		$—		$3,686		$4,836		$980,563		$985,399
Less: Unearned origination fees,  net of origination costs													(4,612		)
Total														$980,787
December 31, 2014
AQR Pass		$696		$545		$—		$—		$1,241		$900,670		$901,911
AQR Special Mention	—		—		—		—		—		20,012		20,012
AQR Substandard	40		—		—		4,674		4,714		2,418		7,132
Subtotal		$736		$545		$—		$4,674		$5,955		$923,100		$929,055
Less: Unearned origination fees,  net of origination costs													(4,551		)
Total														$924,504

Impaired Loans

The following table presents information about impaired loans by class for the years ended December 31, 2015 and 2014:

(In Thousands)	Recorded Investment		Unpaid Principal Balance		Related Allowance
December 31, 2015
With no related allowance recorded
Commercial - AQR special mention		$157		$157		$—
Commercial - AQR substandard	14,030		14,443		—
Real estate term owner occupied - AQR pass	753		753		—
Real estate term owner occupied - AQR substandard	16,476		16,476		—
Real estate term non-owner occupied - AQR pass	473		473		—
Real estate term non-owner occupied - AQR substandard	352		352		—
Real estate term other - AQR pass	699		699		—
Real estate term other - AQR special mention	91		91		—
Consumer secured by 1st deeds of trust - AQR pass	76		76		—
Consumer secured by 1st deeds of trust - AQR substandard	472		472		—
Subtotal		$33,579		$33,992		$—

With an allowance recorded
Commercial - AQR substandard	$1,061	$1,061	$344
Subtotal	$1,061	$1,061	$344

Commercial - AQR special mention		$157		$157		$—
Commercial - AQR substandard	15,091		15,504		344
Real estate term owner-occupied - AQR pass	753		753		—
Real estate term owner-occupied - AQR substandard	16,476		16,476		—
Real estate term non-owner occupied - AQR pass	473		473		—
Real estate term non-owner occupied - AQR substandard	352		352		—
Real estate term other - AQR pass	699		699		—
Real estate term other - AQR special mention	91		91		—
Consumer secured by 1st deeds of trust - AQR pass	76		76		—
Consumer secured by 1st deeds of trust - AQR special mention	472		472		—
Total		$34,640		$35,053		$344

(In Thousands)	Recorded Investment		Unpaid Principal Balance		Related Allowance
December 31, 2014
With no related allowance recorded
Commercial - AQR special mention		$170		$170		$—
Commercial - AQR substandard	3,000		3,045		—
Real estate construction one-to-four family - AQR special mention	191		191		—
Real estate construction other - AQR pass	772		772		—
Real estate term owner occupied - AQR pass	501		501		—
Real estate term owner occupied - AQR special mention	273		273		—
Real estate term owner occupied - AQR substandard	558		558		—
Real estate term non-owner occupied - AQR pass	549		549		—
Real estate term non-owner occupied - AQR special mention	2,088		2,088		—
Real estate term non-owner occupied - AQR substandard	1,709		1,709		—
Real estate term other - AQR substandard	150		150		—
Consumer secured by 1st deeds of trust - AQR pass	82		82		—
Consumer secured by 1st deeds of trust - AQR special mention	448		461		—
Subtotal		$10,491		$10,549		$—

With an allowance recorded
Commercial - AQR substandard	$806	$806	$75
Subtotal	$806	$806	$75

Commercial - AQR special mention		$170		$170		$—
Commercial - AQR substandard	3,806		3,851		75
Real estate construction one-to-four family - AQR special mention	191		191		—
Real estate construction other - AQR pass	772		772		—
Real estate term owner-occupied - AQR pass	501		501		—
Real estate term owner occupied - AQR special mention	273		273		—
Real estate term owner-occupied - AQR substandard	558		558		—
Real estate term non-owner occupied - AQR pass	549		549		—
Real estate term non-owner occupied - AQR special mention	2,088		2,088		—
Real estate term non-owner occupied - AQR substandard	1,709		1,709		—
Real estate term other - AQR substandard	150		150		—
Consumer secured by 1st deeds of trust - AQR pass	82		82		—
Consumer secured by 1st deeds of trust - AQR special mention	448		461		—
Total		$11,297		$11,355		$75

The unpaid principal balance included in the table above represents the recorded investment at the dates indicated, plus amounts charged off for book purposes. 

The following table summarizes our average recorded investment and interest income recognized on impaired loans for years ended December 31,2015 and 2014, respectively:

Year Ended December 31,	2015						2014
(In Thousands)	Average Recorded Investment		Interest Income Recognized			Average Recorded Investment			Interest Income Recognized
With no related allowance recorded
Commercial - AQR pass		$—			$—			$97			$2
Commercial - AQR special mention	163			13			254			23
Commercial - AQR substandard	10,738			421			1,912			94
Real estate construction one-to-four family - AQR special mention	—			—			175			11
Real estate construction one-to-four family - AQR substandard	—			—			117			—
Real estate construction other - AQR pass	557			72			196			30
Real estate construction other - AQR special mention	—			—			605			101
Real estate construction other - AQR substandard	1,431			—			—			—
Real estate term owner occupied - AQR pass	696			63			507			50
Real estate term owner occupied - AQR special mention	67			5			299			20
Real estate term owner occupied - AQR substandard	6,941			355			1,018			60
Real estate term non-owner occupied - AQR pass	521			75			595			94
Real estate term non-owner occupied - AQR special mention	1,080			97			2,360			253
Real estate term non-owner occupied - AQR substandard	1,141			—			1,229			—
Real estate term other - AQR pass	179			13			—			—
Real estate term other - AQR special mention	68			6			—			—
Real estate term other - AQR substandard	74			7			152			14
Consumer secured by 1st deeds of trust - AQR pass	79			4			85			4
Consumer secured by 1st deeds of trust - AQR substandard	514			9			326			—
Consumer other - AQR substandard	—			—			29			—
Subtotal		$24,249			$1,140			$9,956			$756

With an allowance recorded
Commercial - AQR special mention		$—		$—		$46		$6
Commercial - AQR substandard	1,668		—		356		—
Real estate term other - AQR substandard	70		—		—		—
Consumer secured by 1st deeds of trust - AQR substandard	—		—		175		—
Consumer other - AQR substandard	10		—		—		—
Subtotal		$1,748		$—		$577		$6

Total
Commercial - AQR pass		$—		$—		$97		$2
Commercial - AQR special mention	163		13		300		29
Commercial - AQR substandard	12,406		421		2,268		94
Real estate construction one-to-four family - AQR special mention	—		—		175		11
Real estate construction one-to-four family - AQR substandard	—		—		117		—
Real estate construction other - AQR pass	557		72		196		30
Real estate construction other - AQR special mention	—		—		605		101
Real estate construction other - AQR substandard	1,431		—		—		—
Real estate term owner-occupied - AQR pass	696		63		507		50
Real estate term owner-occupied - AQR special mention	67		5		299		20
Real estate term owner-occupied - AQR substandard	6,941		355		1,018		60
Real estate term non-owner occupied - AQR pass	521		75		595		94
Real estate term non-owner occupied - AQR special mention	1,080		97		2,360		253
Real estate term non-owner occupied - AQR substandard	1,141		—		1,229		—
Real estate term other - AQR pass	179		13		—		—
Real estate term other - AQR special mention	68		6		—		—
Real estate term other - AQR substandard	144		7		152		14
Consumer secured by 1st deeds of trust - AQR pass	79		4		85		4
Consumer secured by 1st deeds of trust - AQR substandard	514		9		501		—
Consumer other - AQR substandard	10		—		29		—
Total Impaired Loans		$25,997		$1,140		$10,533		$762

Newly Restructured Loans

The following table presents December 31, 2015 balances of loans that were restructured during 2015:

	Accrual Status		Nonaccrual Status		Total Modifications
(In Thousands)
New Troubled Debt Restructurings
Commercial - AQR substandard		$8,891		$1,287		$10,178
Subtotal		$8,891		$1,287		$10,178
Existing Troubled Debt Restructurings	2,914		648		3,562
Total		$11,805		$1,935		$13,740

Newly Restructured Loans By Concession

(In Thousands)	Number of Contracts	Rate Modification		Term Modification		Payment Modification		Combination Modification		Total Modifications
Pre-Modification Outstanding Recorded Investment:
Commercial - AQR substandard	6		$—		$8,891		$—		$1,173		$10,064
Total	6		$—		$8,891		$—		$1,173		$10,064
Post-Modification Outstanding Recorded Investment:
Commercial - AQR substandard	6		$—		$8,891		$—		$1,287		$10,178
Total	6		$—		$8,891		$—		$1,287		$10,178

Analysis Of Loan Transactions

Certain directors, and companies of which directors are principal owners, have loans and other transactions such as architectural fees with the Company.  Such transactions are made on substantially the same terms, including interest rates and collateral required, as those prevailing for similar transactions of unrelated parties.  An analysis of the loan transactions for the years indicated follows:

(In Thousands)	2015		2014
Balance, beginning of the year		$2,262		$2,336
Loans made	—		—
Repayments	2,145		74
Balance, end of year		$117		$2,262