Allowance for Loan Losses and Reserve for Unfunded Loan Commitments (Tables)

3 Months Ended

Mar. 31, 2015

Allowance for Loan Losses and Reserve for Unfunded Loan Commitments [Abstract]

Activity in the Allowance for Loan Losses by Portfolio Segment

	For the three months ended March 31, 2015
(In thousands)	SBA held for investment		SBA 504		Commercial		Residential		Consumer		Unallocated		Total
Balance, beginning of period	$	1,883	$	1,337	$	6,270	$	2,289	$	667	$	105	$	12,551
Charge-offs		(128)		(589)		(100)		-		(30)		-		(847)
Recoveries		37		-		201		39		-		-		277
Net charge-offs		(91)		(589)		101		39		(30)		-		(570)
Provision for loan losses charged to expense		81		414		(747)		13		73		366		200
Balance, end of period	$	1,873	$	1,162	$	5,624	$	2,341	$	710	$	471	$	12,181

	For the three months ended March 31, 2014
(In thousands)	SBA held for investment		SBA 504		Commercial		Residential		Consumer		Unallocated		Total
Balance, beginning of period	$	2,587	$	957	$	6,840	$	2,132	$	573	$	52	$	13,141
Charge-offs		(53)		(92)		(454)		(172)		(179)		-		(950)
Recoveries		7		-		9		-		-		-		16
Net charge-offs		(46)		(92)		(445)		(172)		(179)		-		(934)
Provision for loan losses charged to expense		(195)		82		7		102		311		293		600
Balance, end of period	$	2,346	$	947	$	6,402	$	2,062	$	705	$	345	$	12,807

Allowance for Credit Losses on Financing Receivables on Basis of Impairment Method

	March 31, 2015
(In thousands)	SBA held for investment		SBA 504		Commercial		Residential		Consumer		Unallocated		Total
Allowance for loan losses ending balance:
Individually evaluated for impairment	$	593	$	-	$	388	$	-	$	-	$	-	$	981
Collectively evaluated for impairment		1,280		1,162		5,236		2,341		710		471		11,200
Total	$	1,873	$	1,162	$	5,624	$	2,341	$	710	$	471	$	12,181
Loan ending balances:
Individually evaluated for impairment	$	1,888	$	2,220	$	5,780	$	-	$	-	$	-	$	9,888
Collectively evaluated for impairment		37,267		27,673		404,962		235,371		62,552		-		767,825
Total	$	39,155	$	29,893	$	410,742	$	235,371	$	62,552	$	-	$	777,713

	December 31, 2014
(In thousands)	SBA held for investment		SBA 504		Commercial		Residential		Consumer		Unallocated		Total
Allowance for loan losses ending balance:
Individually evaluated for impairment	$	502	$	510	$	149	$	-	$	-	$	-	$	1,161
Collectively evaluated for impairment		1,381		827		6,121		2,289		667		105		11,390
Total	$	1,883	$	1,337	$	6,270	$	2,289	$	667	$	105	$	12,551
Loan ending balances:
Individually evaluated for impairment	$	2,220	$	3,878	$	6,059	$	-	$	-	$	-	$	12,157
Collectively evaluated for impairment		38,181		30,444		395,890		220,878		59,096		-		744,489
Total	$	40,401	$	34,322	$	401,949	$	220,878	$	59,096	$	-	$	756,646