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

3 Months Ended

Mar. 31, 2016

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

Activity in Allowance for Loan Losses by Portfolio Segment

	For the three months ended March 31, 2016
(In thousands)	SBA held for investment		SBA 504		Commercial		Residential		Consumer		Unallocated		Total
Balance, beginning of period	$	1,961	$	741	$	6,309	$	2,769	$	817	$	162	$	12,759
Charge-offs		(86)		-		(228)		-		(28)		-		(342)
Recoveries		11		-		6		-		-		-		17
Net (charge-offs) recoveries		(75)		-		(222)		-		(28)		-		(325)
Provision for loan losses charged to expense		(173)		(143)		224		123		47		122		200
Balance, end of period	$	1,713	$	598	$	6,311	$	2,892	$	836	$	284	$	12,634

	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) recoveries		(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

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

	March 31, 2016
(In thousands)	SBA held for investment		SBA 504		Commercial		Residential		Consumer		Unallocated		Total
Allowance for loan losses ending balance:
Individually evaluated for impairment	$	567	$	-	$	151	$	-	$	-	$	-	$	718
Collectively evaluated for impairment		1,146		598		6,160		2,892		836		284		11,916
Total	$	1,713	$	598	$	6,311	$	2,892	$	836	$	284	$	12,634
Loan ending balances:
Individually evaluated for impairment	$	1,655	$	513	$	1,743	$	-	$	-	$	-	$	3,911
Collectively evaluated for impairment		37,208		26,969		465,523		260,957		79,198		-		869,855
Total	$	38,863	$	27,482	$	467,266	$	260,957	$	79,198	$	-	$	873,766

	December 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	$	705	$	-	$	137	$	-	$	-	$	-	$	842
Collectively evaluated for impairment		1,256		741		6,172		2,769		817		162		11,917
Total	$	1,961	$	741	$	6,309	$	2,769	$	817	$	162	$	12,759
Loan ending balances:
Individually evaluated for impairment	$	1,907	$	2,226	$	3,040	$	-	$	-	$	-	$	7,173
Collectively evaluated for impairment		37,486		27,127		462,478		264,523		77,057		-		868,671
Total	$	39,393	$	29,353	$	465,518	$	264,523	$	77,057	$	-	$	875,844