Loans and Credit Quality (Tables)

12 Months Ended

Dec. 31, 2016

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, 2016
AQR Pass		$257,639		$26,061		$72,159		$135,359		$355,903		$44,733		$22,568		$25,151		$939,573
AQR Special Mention	1,950		—		—		57		—		—		501		78		2,586
AQR Substandard	18,589		—		—		16,762		698		669		520		52		37,290
Subtotal		$278,178		$26,061		$72,159		$152,178		$356,601		$45,402		$23,589		$25,281		$979,449
Less: Unearned origination fees, net of origination costs																	(4,434		)
Total loans																		$975,015
December 31, 2015
AQR Pass		$257,293		$44,488		$74,956		$127,226		$347,157		$45,884		$26,015		$28,882		$951,901
AQR Special Mention	536		—		—		—		—		91		171		10		808
AQR Substandard	14,612		—		—		16,515		359		697		487		20		32,690
Subtotal		$272,441		$44,488		$74,956		$143,741		$347,516		$46,672		$26,673		$28,912		$985,399
Less: Unearned origination fees, net of origination costs																	(4,612		)
Total loans																		$980,787

Nonaccrual Loans By Segment

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

(In  Thousands)	30-59 Days Past Due		60-89 Days Past Due		Greater Than 90 Days Past Due			Current			Total
December 31, 2016
Commercial		$8,750		$—		$4,208			$542			$13,500
Real estate term owner occupied	—		—		—			29			29
Real estate term non-owner occupied	—		—		—			197			197
Consumer secured by 1st deeds of trust	—		—		167			—			167
Total nonaccrual loans	8,750		—		4,375			768			13,893
Government guarantees on nonaccrual loans	—		—		(1,413		)	—			(1,413		)
Net nonaccrual loans		$8,750		$—		$2,962			$768			$12,480
December 31, 2015
Commercial		$—		$82		$290			$2,641			$3,013
Real estate term owner occupied	—		—		—			38			38
Real estate term non-owner occupied	—		—		108			251			359
Consumer secured by 1st deeds of trust	—		—		—			256			256
Consumer other	—		—		20			—			20
Total nonaccrual loans	—		82		418			3,186			3,686
Government guarantees on nonaccrual loans	—		—		—			(1,561		)	(1,561		)
Net nonaccrual loans		$—		$82		$418			$1,625			$2,125

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		Total Past Due		Nonaccrual		Current		Total
December 31, 2016
Commercial		$—		$141		$404		$545		$13,500		$264,133		$278,178
Real estate construction one-to-four family	—		—		—		—		—		26,061		26,061
Real estate construction other	—		—		—		—		—		72,159		72,159
Real estate term owner occupied	887		—		—		887		29		151,262		152,178
Real estate term non-owner occupied	—		—		—		—		197		356,404		356,601
Real estate term other	—		—		—		—		—		45,402		45,402
Consumer secured by 1st deed of trust	390		518		—		908		167		22,514		23,589
Consumer other	171		80		52		303		—		24,978		25,281
Subtotal		$1,448		$739		$456		$2,643		$13,893		$962,913		$979,449
Less: Unearned origination fees,  net of origination costs													(4,434		)
Total														$975,015
December 31, 2015
Commercial		$242		$21		$—		$263		$3,013		$269,165		$272,441
Real estate construction one-to-four family	—		—		—		—		—		44,488		44,488
Real estate construction other	—		—		—		—		—		74,956		74,956
Real estate term owner occupied	—		—		—		—		38		143,703		143,741
Real estate term non-owner occupied	—		—		—		—		359		347,157		347,516
Real estate term other	289		—		—		289		—		46,383		46,672
Consumer secured by 1st deed of trust	568		—		—		568		256		25,849		26,673
Consumer other	30		—		—		30		20		28,862		28,912
Subtotal		$1,129		$21		$—		$1,150		$3,686		$980,563		$985,399
Less: Unearned origination fees,  net of origination costs													(4,612		)
Total														$980,787

Impaired Loans

The following table presents information about impaired loans by class for the years ended December 31, 2016 and 2015:

(In Thousands)	Recorded Investment		Unpaid Principal Balance		Related Allowance
December 31, 2016
With no related allowance recorded
Commercial - AQR special mention		$223		$223		$—
Commercial - AQR substandard	9,213		9,893		—
Real estate construction other - AQR substandard	—		—		—
Real estate term owner occupied - AQR pass	252		252		—
Real estate term owner occupied - AQR substandard	16,694		16,694		—
Real estate term non-owner occupied - AQR pass	391		391		—
Real estate term non-owner occupied - AQR substandard	693		693		—
Real estate term other - AQR pass	633		633		—
Real estate term other - AQR substandard	669		669		—
Consumer secured by 1st deeds of trust - AQR special mention	143		143		—
Consumer secured by 1st deeds of trust - AQR substandard	472		488		—
Consumer other - AQR substandard	52		52		—
Subtotal		$29,435		$30,131		$—

With an allowance recorded
Commercial - AQR substandard	$9,221	$9,221	$614
Subtotal	$9,221	$9,221	$614

Commercial - AQR special mention		$223		$223		$—
Commercial - AQR substandard	18,434		19,114		614
Real estate construction other - AQR substandard	—		—		—
Real estate term owner-occupied - AQR pass	252		252		—
Real estate term owner-occupied - AQR substandard	16,694		16,694		—
Real estate term non-owner occupied - AQR pass	391		391		—
Real estate term non-owner occupied - AQR substandard	693		693		—
Real estate term other - AQR pass	633		633		—
Real estate term other - AQR substandard	669		669		—
Consumer secured by 1st deeds of trust - AQR special mention	143		143		—
Consumer secured by 1st deeds of trust - AQR substandard	472		488		—
Consumer other - AQR substandard	52		52		—
Total		$38,656		$39,352		$614

(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	13,333		13,746		—
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		—
Real estate term other - AQR substandard	697		697		—
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	14,394		14,807		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		—
Real estate term other - AQR substandard	697		697		—
Consumer secured by 1st deeds of trust - AQR pass	76		76		—
Consumer secured by 1st deeds of trust - AQR substandard	472		472		—
Total		$34,640		$35,053		$344

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 31,2016 and 2015, respectively:

Year Ended December 31,	2016						2015
(In Thousands)	Average Recorded Investment		Interest Income Recognized			Average Recorded Investment			Interest Income Recognized
With no related allowance recorded
Commercial - AQR special mention		$170			$13			$163			$13
Commercial - AQR substandard	15,522			840			9,996			378
Real estate construction one-to-four family - AQR substandard	988			—			—			—
Real estate construction other - AQR pass	—			—			557			72
Real estate construction other - AQR substandard	1,431			—			1,431			—
Real estate term owner occupied - AQR pass	378			34			696			63
Real estate term owner occupied - AQR special mention	—			—			67			5
Real estate term owner occupied - AQR substandard	16,551			1,202			6,941			355
Real estate term non-owner occupied - AQR pass	442			91			521			75
Real estate term non-owner occupied - AQR special mention	—			—			1,080			97
Real estate term non-owner occupied - AQR substandard	599			28			1,141			—
Real estate term other - AQR pass	627			58			179			13
Real estate term other - AQR special mention	43			4			68			6
Real estate term other - AQR substandard	683			55			816			50
Consumer secured by 1st deeds of trust - AQR pass	38			2			79			4
Consumer secured by 1st deeds of trust - AQR special mention	36			3			—			—
Consumer secured by 1st deeds of trust - AQR substandard	568			24			514			9
Consumer other - AQR substandard	13			—			—			—
Subtotal		$38,089			$2,354			$24,249			$1,140

With an allowance recorded
Commercial - AQR substandard		$2,451		$—		$1,668		$—
Real estate construction one-to-four family - AQR substandard	1,986		—		—		—
Real estate term other - AQR substandard	—		—		70		—
Consumer secured by 1st deeds of trust - AQR substandard	73		—		—		—
Consumer other - AQR substandard	—		—		10		—
Subtotal		$4,510		$—		$1,748		$—

Total
Commercial - AQR special mention		$170		$13		$163		$13
Commercial - AQR substandard	17,973		840		11,664		378
Real estate construction one-to-four family - AQR substandard	2,974		—		—		—
Real estate construction other - AQR pass	—		—		557		72
Real estate construction other - AQR substandard	1,431		—		1,431		—
Real estate term owner-occupied - AQR pass	378		34		696		63
Real estate term owner-occupied - AQR special mention	—		—		67		5
Real estate term owner-occupied - AQR substandard	16,551		1,202		6,941		355
Real estate term non-owner occupied - AQR pass	442		91		521		75
Real estate term non-owner occupied - AQR special mention	—		—		1,080		97
Real estate term non-owner occupied - AQR substandard	599		28		1,141		—
Real estate term other - AQR pass	627		58		179		13
Real estate term other - AQR special mention	43		4		68		6
Real estate term other - AQR substandard	683		55		886		50
Consumer secured by 1st deeds of trust - AQR pass	38		2		79		4
Consumer secured by 1st deeds of trust - AQR special mention	36		3		—		—
Consumer secured by 1st deeds of trust - AQR substandard	641		24		514		9
Consumer other - AQR substandard	13		—		10		—
Total Impaired Loans		$42,599		$2,354		$25,997		$1,140

Newly Restructured Loans

The following table identifies the portion of TDR balances as of December 31, 2016 that were restructured during 2016:

	Accrual Status		Nonaccrual Status		Total Modifications
(In Thousands)
New Troubled Debt Restructurings
Commercial - AQR substandard		$4,234		$134		$4,368
Subtotal		$4,234		$134		$4,368
Existing Troubled Debt Restructurings	1,897		9,954		11,851
Total		$6,131		$10,088		$16,219

Newly Restructured Loans By Concession

The following table provides additional information about loans that were restructured in 2016:

(In Thousands)	Number of Contracts	Rate Modification		Term Modification		Payment Modification		Combination Modification		Total Modifications
Pre-Modification Outstanding Recorded Investment:
Commercial - AQR substandard	2		$—		$135		$4,234		$—		$4,369
Total	2		$—		$135		$4,234		$—		$4,369
Post-Modification Outstanding Recorded Investment:
Commercial - AQR substandard	2		$—		$134		$4,233		$—		$4,367
Total	2		$—		$134		$4,233		$—		$4,367

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)	2016		2015
Balance, beginning of the year		$117		$2,262
Loans made	—		—
Repayments	27		2,145
Balance, end of year		$90		$117