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Loans and Credit Quality (Tables)
 9 Months Ended
Sep. 30, 2020
Receivables [Abstract]  
Loan Portfolio Segmented by Risk Class The following table presents total portfolio loans by portfolio segment and class of financing receivable, based on the Company's asset quality rating ("AQR") criteria:
(In Thousands)CommercialReal estate construction one-to-four familyReal estate construction otherReal estate term owner occupiedReal estate term non-owner occupiedReal estate term otherConsumer secured by 1st deeds of trustConsumer otherTotal
September 30, 2020         
AQR Pass$821,117 $37,256 $82,661 $138,886 $302,902 $40,191 $13,726 $23,023 $1,459,762 
AQR Special Mention5,782 — — 2,677 17,178 2,172 176 — 27,985 
AQR Substandard8,971 702 — 7,430 613 1,176 148 110 19,150 
AQR Doubtful308 — — — — — — — 308 
Subtotal$836,178 $37,958 $82,661 $148,993 $320,693 $43,539 $14,050 $23,133 $1,507,205 
Less: Unearned origination fees, net of origination costs  (14,485)
        Total loans        $1,492,720 
December 31, 2019         
AQR Pass$394,107 $34,132 $61,808 $129,959 $295,482 $38,771 $15,860 $24,464 $994,583 
AQR Special Mention2,279 3,337 — 3,828 17,478 2,559 179 — 29,660 
AQR Substandard16,304 1,349 — 5,104 — 1,176 159 121 24,213 
Subtotal$412,690 $38,818 $61,808 $138,891 $312,960 $42,506 $16,198 $24,585 $1,048,456 
Less: Unearned origination fees, net of origination costs  (5,085)
        Total loans        $1,043,371 
Nonaccrual Loans by Segment Nonaccrual loans at the periods indicated are presented below by segment:
(In  Thousands)30-59 Days
Past Due		60-89 Days
Past Due		Greater Than
90 Days Past Due		CurrentTotal
September 30, 2020
Commercial$115 $— $4,634 $2,082 $6,831 
Real estate construction one-to-four family— — 702 — 702 
Real estate term owner occupied— 226 2,729 809 3,764 
Real estate term other— — 1,176 — 1,176 
Consumer secured by 1st deeds of trust— — — 65 65 
Consumer other— — — 109 109 
Total nonperforming loans115 226 9,241 3,065 12,647 
Government guarantees on nonaccrual loans— — — (1,600)(1,600)
Net nonaccrual loans$115 $226 $9,241 $1,465 $11,047 
December 31, 2019
Commercial$270 $385 $2,862 $5,636 $9,153 
Real estate construction one-to-four family— — 1,349 — 1,349 
Real estate term owner occupied1,641 — 623 1,225 3,489 
Real estate term other— — 1,176 — 1,176 
Consumer secured by 1st deeds of trust— — — 68 68 
Consumer other26 89 — 6 121 
Total nonperforming loans1,937 474 6,010 6,935 15,356 
Government guarantees on nonaccrual loans(268)— — (1,137)(1,405)
Net nonaccrual loans$1,669 $474 $6,010 $5,798 $13,951 
Past Due Loans and Nonaccrual Loans Past due loans and nonaccrual loans at the periods indicated are presented below by segment:
(In Thousands)30-59 Days
Past Due
Still
Accruing		60-89 Days
Past Due
Still
Accruing		Greater Than
90 Days
Still
Accruing		Total Past
Due		NonaccrualCurrentTotal
September 30, 2020       
Commercial$— $— $— $— $6,831 $829,347 $836,178 
Real estate construction one-to-four family— — — — 702 37,256 37,958 
Real estate construction other— — — — — 82,661 82,661 
Real estate term owner occupied— 1,421 — 1,421 3,764 143,808 148,993 
Real estate term non-owner occupied— 691 — 691 — 320,002 320,693 
Real estate term other— — — — 1,176 42,363 43,539 
Consumer secured by 1st deed of trust236 — — 236 65 13,749 14,050 
Consumer other— — — — 109 23,024 23,133 
Subtotal$236 $2,112 $— $2,348 $12,647 $1,492,210 $1,507,205 
Less: Unearned origination fees,  net of origination costs  (14,485)
     Total      $1,492,720 
December 31, 2019       
Commercial$270 $— $— $270 $9,153 $403,267 $412,690 
Real estate construction one-to-four family— — — — 1,349 37,469 38,818 
Real estate construction other— — — — — 61,808 61,808 
Real estate term owner occupied338 — — 338 3,489 135,064 138,891 
Real estate term non-owner occupied— — — — — 312,960 312,960 
Real estate term other26 — — 26 1,176 41,304 42,506 
Consumer secured by 1st deed of trust750 — — 750 68 15,380 16,198 
Consumer other150 — — 150 121 24,314 24,585 
Subtotal$1,534 $— $— $1,534 $15,356 $1,031,566 $1,048,456 
Less: Unearned origination fees,  net of origination costs  (5,085)
     Total      $1,043,371 
Impaired Loans The following table presents information about impaired loans by class as of the periods indicated:
(In Thousands)Recorded InvestmentUnpaid Principal BalanceRelated Allowance
September 30, 2020   
With no related allowance recorded   
Commercial - AQR substandard$8,668 $8,872 $— 
Commercial - AQR doubtful308 308 — 
Real estate construction one-to-four family - AQR substandard702 702 — 
Real estate term owner occupied - AQR substandard7,430 7,515 — 
Real estate term non-owner occupied - AQR pass177 177 — 
Real estate term non-owner occupied - AQR substandard613 613 — 
Real estate term other - AQR pass322 322 — 
Real estate term other - AQR substandard1,176 1,176 — 
Consumer secured by 1st deeds of trust - AQR pass116 116 — 
Consumer secured by 1st deeds of trust - AQR substandard148 148 — 
Consumer other - AQR substandard84 88 — 
          Subtotal$19,744 $20,037 $— 
With an allowance recorded   
Commercial - AQR substandard$202 $202 $41 
  Subtotal$202 $202 $41 
Total
Commercial - AQR substandard$8,870 $9,074 $41 
Commercial - AQR doubtful308 308 — 
Real estate construction one-to-four family - AQR substandard702 702 — 
Real estate term owner-occupied - AQR substandard7,430 7,515 — 
Real estate term non-owner occupied - AQR pass177 177 — 
Real estate term non-owner occupied - AQR substandard613 613 — 
Real estate term other - AQR pass322 322 — 
Real estate term other - AQR substandard1,176 1,176 — 
Consumer secured by 1st deeds of trust - AQR pass116 116 — 
Consumer secured by 1st deeds of trust - AQR substandard148 148 — 
Consumer other - AQR substandard84 88 — 
  Total$19,946 $20,239 $41 
(In Thousands)Recorded InvestmentUnpaid Principal BalanceRelated Allowance
December 31, 2019   
With no related allowance recorded   
Commercial - AQR substandard$15,517 $15,582 $— 
Real estate construction one-to-four family -AQR substandard1,349 1,349 — 
Real estate term owner occupied - AQR substandard5,104 5,104 — 
Real estate term non-owner occupied - AQR pass178 178 — 
Real estate term other - AQR pass417 417 — 
Real estate term other - AQR substandard1,176 1,176 — 
Consumer secured by 1st deeds of trust - AQR pass122 122 — 
Consumer secured by 1st deeds of trust - AQR substandard159 163 — 
Consumer other - AQR substandard90 94 — 
  Subtotal$24,112 $24,185 $— 
With an allowance recorded   
Commercial - AQR substandard$561 $561 $17 
         Subtotal$561 $561 $17 
Total
Commercial - AQR substandard$16,078 $16,143 $17 
Real estate construction one-to-four family -AQR substandard1,349 1,349 — 
Real estate term owner occupied - AQR substandard5,104 5,104 — 
Real estate term non-owner occupied - AQR pass178 178 — 
Real estate term other - AQR pass417 417 — 
Real estate term other - AQR substandard1,176 1,176 — 
Consumer secured by 1st deeds of trust - AQR pass122 122 — 
Consumer secured by 1st deeds of trust - AQR substandard159 163 — 
Consumer other - AQR substandard90 94 — 
  Total$24,673 $24,746 $17 
The following tables summarize our average recorded investment and interest income recognized on impaired loans for the three and nine-month periods ended September 30, 2020 and 2019:
Three Months Ended September 30, 20202019
(In Thousands)Average Recorded InvestmentInterest Income RecognizedAverage Recorded InvestmentInterest Income Recognized
With no related allowance recorded
     Commercial - AQR substandard$8,564 $42 $17,616 $107 
     Commercial - AQR doubtful308 — — — 
     Real estate construction one-to-four family - AQR substandard488 — 1,482 — 
     Real estate term owner occupied- AQR substandard6,998 47 5,896 34 
     Real estate term non-owner occupied- AQR pass177 3 242 4 
     Real estate term non-owner occupied- AQR substandard619 19 — — 
     Real estate term other - AQR pass348 6 438 8 
     Real estate term other - AQR substandard1,228 — 1,198 — 
     Consumer secured by 1st deeds of trust - AQR pass117 3 125 3 
     Consumer secured by 1st deeds of trust - AQR substandard269 — 93 2 
     Consumer other - AQR substandard84 — 93 — 
         Subtotal$19,200 $120 $27,183 $158 
With an allowance recorded
     Commercial - AQR substandard$226 $8 $391 $— 
     Consumer secured by 1st deeds of trust - AQR substandard— — 74 — 
         Subtotal$226 $8 $465 $— 
Total
     Commercial - AQR substandard$8,790 $50 $18,007 $107 
     Commercial - AQR doubtful308 — — — 
     Real estate construction one-to-four family - AQR substandard488 — 1,482 — 
     Real estate term owner-occupied - AQR substandard6,998 47 5,896 34 
     Real estate term non-owner occupied - AQR pass177 3 242 4 
     Real estate term non-owner occupied - AQR substandard619 19 — — 
     Real estate term other - AQR pass348 6 438 8 
     Real estate term other - AQR substandard1,228 — 1,198 — 
     Consumer secured by 1st deeds of trust - AQR pass117 3 125 3 
     Consumer secured by 1st deeds of trust - AQR substandard269 — 167 2 
     Consumer other - AQR substandard84 — 93 — 
         Total Impaired Loans$19,426 $128 $27,648 $158 
Nine Months Ended September 30,20202019
(In Thousands)Average Recorded InvestmentInterest Income RecognizedAverage Recorded InvestmentInterest Income Recognized
With no related allowance recorded
     Commercial - AQR pass$— $— $711 $35 
     Commercial - AQR substandard9,899 138 17,205 292 
     Commercial - AQR doubtful103 — — — 
     Real estate construction one-to-four family - AQR substandard808 — 2,109 — 
     Real estate term owner occupied- AQR substandard6,586 125 5,896 83 
     Real estate term non-owner occupied- AQR pass177 10 269 15 
     Real estate term non-owner occupied- AQR substandard312 20 307 — 
     Real estate term other - AQR pass380 20 457 24 
     Real estate term other - AQR substandard1,194 — 998 — 
     Consumer secured by 1st deeds of trust - AQR pass119 9 127 9 
     Consumer secured by 1st deeds of trust - AQR substandard149 3 215 5 
     Consumer secured by 1st deeds of trust - AQR loss44 — — — 
     Consumer other - AQR substandard87 — 63 — 
Subtotal$19,858 $325 $28,357 $463 
With an allowance recorded
     Commercial - AQR substandard$1,794 $8 $715 $— 
     Real estate term other - AQR substandard— — 218 — 
     Consumer secured by 1st deeds of trust - AQR substandard— — 97 — 
Subtotal$1,794 $8 $1,030 $— 
Total
     Commercial - AQR pass$— $— $711 $35 
     Commercial - AQR substandard11,693 146 17,920 292 
     Commercial - AQR doubtful103 — — — 
     Real estate construction one-to-four family - AQR substandard808 — 2,109 — 
     Real estate term owner-occupied - AQR substandard6,586 125 5,896 83 
     Real estate term non-owner occupied - AQR pass177 10 269 15 
     Real estate term non-owner occupied - AQR substandard312 20 307 — 
     Real estate term other - AQR pass380 20 457 24 
     Real estate term other - AQR substandard1,194 — 1,216 — 
     Consumer secured by 1st deeds of trust - AQR pass119 9 127 9 
     Consumer secured by 1st deeds of trust - AQR substandard149 3 312 5 
     Consumer secured by 1st deeds of trust - AQR loss44 — — — 
     Consumer other - AQR substandard87 — 63 — 
Total Impaired Loans$21,652 $333 $29,387 $463 
Schedule of non troubled debt restructuring As of September 30, 2020, the Company has made the following types of loan modifications related to COVID-19, which are not classified as TDRs with principal balance outstanding of:
(Dollars in thousands)Interest OnlyFull Payment DeferralTotal
Portfolio loans$46,056 $74,337 $120,393 
Number of modifications16 59 75 
Restructured Loans The following table presents the breakout between newly restructured loans that occurred during the nine months ended September 30, 2020 and restructured loans that occurred prior to 2020 that are still included in portfolio loans. As discussed above, the CARES Act provided banks an option to elect to not account for certain loan modifications related to COVID-19 as TDRs as long as the borrowers were not more than 30 days past due as of December 31, 2019. The below disclosed restructurings were not related to COVID-19 modifications:
 Accrual StatusNonaccrual StatusTotal Modifications
(In Thousands)
New Troubled Debt Restructurings   
Commercial - AQR substandard$1,565 $163 $1,728 
Subtotal$1,565 $163 $1,728 
Existing Troubled Debt Restructurings$802 $5,946 $6,748 
Total$2,367 $6,109 $8,476 
Newly Restructured Loans by Concession The following tables present newly restructured loans that occurred during the nine months ended September 30, 2020 and 2019, by concession (terms modified):
  September 30, 2020
 Number of ContractsRate ModificationTerm ModificationPayment ModificationCombination ModificationTotal Modifications
(In Thousands)
Pre-Modification Outstanding Recorded Investment:      
Commercial - AQR substandard2$— $3,249 $164 $— $3,413 
Total2$— $3,249 $164 $— $3,413 
Post-Modification Outstanding Recorded Investment:      
Commercial - AQR substandard2$— $1,565 $163 $— $1,728 
Total2$— $1,565 $163 $— $1,728 
  September 30, 2019
 Number of ContractsRate ModificationTerm ModificationPayment ModificationCombination ModificationTotal Modifications
(In Thousands)
Pre-Modification Outstanding Recorded Investment:      
Commercial - AQR substandard5$— $— $509 $1,350 $1,859 
Real estate term owner occupied- AQR substandard1— — 192 — 192 
Total6$— $— $701 $1,350 $2,051 
Post-Modification Outstanding Recorded Investment:      
Commercial - AQR substandard5$— $— $425 $1,340 $1,765 
Real estate term owner occupied- AQR substandard1— — 188 — 188 
Total6$— $— $613 $1,340 $1,953