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Allowance for Loan Losses and Reserve for Unfunded Loan Commitments (Tables)
 6 Months Ended
Jun. 30, 2016
Financing Receivable, Allowance for Credit Loss, Additional Information [Abstract]  
Activity in Allowance for Loan Losses by Portfolio Segment
The following tables detail the activity in the allowance for loan losses by portfolio segment for the three months ended June 30, 2016 and 2015:
 
 
For the three months ended June 30, 2016
(In thousands)
 
SBA held for investment
 
SBA 504
 
Commercial
 
Residential
 
Consumer
 
Unallocated
 
Total
Balance, beginning of period
 
$
1,713

 
$
598

 
$
6,312

 
$
2,892

 
$
836

 
$
283

 
$
12,634

Charge-offs
 
(142
)
 
—

 
(152
)
 
—

 
—

 


 
(294
)
Recoveries
 
4

 
—

 
13

 
—

 
1

 


 
18

Net (charge-offs) recoveries
 
(138
)
 
—

 
(139
)
 
—

 
1

 
—

 
(276
)
Provision for loan losses charged to expense
 
55

 
(10
)
 
393

 
72

 
24

 
(134
)
 
400

Balance, end of period
 
$
1,630

 
$
588

 
$
6,566

 
$
2,964

 
$
861

 
$
149

 
$
12,758


 
 
For the three months ended June 30, 2015
(In thousands)
 
SBA held for investment
 
SBA 504
 
Commercial
 
Residential
 
Consumer
 
Unallocated
 
Total
Balance, beginning of period
 
$
1,873

 
$
1,162

 
$
5,624

 
$
2,341

 
$
710

 
$
471

 
$
12,181

Charge-offs
 
(6
)
 
—

 
(147
)
 
—

 
(7
)
 


 
(160
)
Recoveries
 
2

 
—

 
370

 
10

 
1

 


 
383

Net (charge-offs) recoveries
 
(4
)
 
—

 
223

 
10

 
(6
)
 
—

 
223

Provision for loan losses charged to expense
 
129

 
(283
)
 
212

 
194

 
52

 
(304
)
 
—

Balance, end of period
 
$
1,998

 
$
879

 
$
6,059

 
$
2,545

 
$
756

 
$
167

 
$
12,404



The following tables detail the activity in the allowance for loan losses portfolio segment for the six months ended June 30, 2016 and 2015:
 
 
For the six months ended June 30, 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
 
(228
)
 
—

 
(380
)
 
—

 
(28
)
 
 
 
(636
)
Recoveries
 
15

 
—

 
19

 
—

 
1

 
 
 
35

Net (charge-offs) recoveries
 
(213
)
 
—

 
(361
)
 
—

 
(27
)
 
—

 
(601
)
Provision for loan losses charged to expense
 
(118
)
 
(153
)
 
618

 
195

 
71

 
(13
)
 
600

Balance, end of period
 
$
1,630

 
$
588

 
$
6,566

 
$
2,964

 
$
861

 
$
149

 
$
12,758


 
 
For the six months ended June 30, 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
 
(135
)
 
(589
)
 
(247
)
 
—

 
(37
)
 
 
 
(1,008
)
Recoveries
 
40

 
—

 
571

 
49

 
1

 
 
 
661

Net (charge-offs) recoveries
 
(95
)
 
(589
)
 
324

 
49

 
(36
)
 
—

 
(347
)
Provision for loan losses charged to expense
 
210

 
131

 
(535
)
 
207

 
125

 
62

 
200

Balance, end of period
 
$
1,998

 
$
879

 
$
6,059

 
$
2,545

 
$
756

 
$
167

 
$
12,404
Allowance for Credit Losses on Financing Receivables on Basis of Impairment Method
The following tables present loans and their related allowance for loan losses, by portfolio segment, as of June 30, 2016 and December 31, 2015:
 
 
June 30, 2016
(In thousands)
 
SBA held for investment
 
SBA 504
 
Commercial
 
Residential
 
Consumer
 
Unallocated
 
Total
Allowance for loan losses ending balance:
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Individually evaluated for impairment
 
$
415

 
$
—

 
$
274

 
$
—

 
$
—

 
$
—

 
$
689

Collectively evaluated for impairment
 
1,215

 
588

 
6,292

 
2,964

 
861

 
149

 
12,069

Total
 
$
1,630

 
$
588

 
$
6,566

 
$
2,964

 
$
861

 
$
149

 
$
12,758

Loan ending balances:
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Individually evaluated for impairment
 
$
1,517

 
$
513

 
$
3,061

 
$
—

 
$
—

 
$
—

 
$
5,091

Collectively evaluated for impairment
 
38,489

 
26,525

 
478,652

 
268,774

 
84,267

 
—

 
896,707

Total
 
$
40,006

 
$
27,038

 
$
481,713

 
$
268,774

 
$
84,267

 
$
—

 
$
901,798


 
 
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