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Allowance for Loan Losses and Reserve for Unfunded Loan Commitments (Tables)
 9 Months Ended
Sep. 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 September 30, 2016 and 2015:
 
 
For the three months ended September 30, 2016
(In thousands)
 
SBA held for investment
 
SBA 504
 
Commercial
 
Residential
 
Consumer
 
Unallocated
 
Total
Balance, beginning of period
 
$
1,630

 
$
588

 
$
6,566

 
$
2,964

 
$
861

 
$
149

 
$
12,758

Charge-offs
 
(140
)
 
—

 
(376
)
 
—

 
—

 
—

 
(516
)
Recoveries
 
17

 
—

 
6

 
—

 
—

 
—

 
23

Net (charge-offs) recoveries
 
(123
)
 
—

 
(370
)
 
—

 
—

 
—

 
(493
)
Provision for loan losses charged to expense
 
128

 
(21
)
 
616

 
(448
)
 
31

 
114

 
420

Balance, end of period
 
$
1,635

 
$
567

 
$
6,812

 
$
2,516

 
$
892

 
$
263

 
$
12,685


 
 
For the three months ended September 30, 2015
(In thousands)
 
SBA held for investment
 
SBA 504
 
Commercial
 
Residential
 
Consumer
 
Unallocated
 
Total
Balance, beginning of period
 
$
1,998

 
$
879

 
$
6,059

 
$
2,545

 
$
756

 
$
167

 
$
12,404

Charge-offs
 
(86
)
 
—

 
(10
)
 
(50
)
 
(52
)
 
—

 
(198
)
Recoveries
 
10

 
—

 
5

 
—

 
—

 
—

 
15

Net (charge-offs) recoveries
 
(76
)
 
—

 
(5
)
 
(50
)
 
(52
)
 
—

 
(183
)
Provision for loan losses charged to expense
 
(11
)
 
(89
)
 
146

 
186

 
84

 
(116
)
 
200

Balance, end of period
 
$
1,911

 
$
790

 
$
6,200

 
$
2,681

 
$
788

 
$
51

 
$
12,421



The following tables detail the activity in the allowance for loan losses portfolio segment for the nine months ended September 30, 2016 and 2015:
 
 
For the nine months ended September 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
 
(369
)
 
—

 
(756
)
 
—

 
(28
)
 
—

 
(1,153
)
Recoveries
 
33

 
—

 
25

 
—

 
1

 
—

 
59

Net (charge-offs) recoveries
 
(336
)
 
—

 
(731
)
 
—

 
(27
)
 
—

 
(1,094
)
Provision for loan losses charged to expense
 
10

 
(174
)
 
1,234

 
(253
)
 
102

 
101

 
1,020

Balance, end of period
 
$
1,635

 
$
567

 
$
6,812

 
$
2,516

 
$
892

 
$
263

 
$
12,685


 
 
For the nine months ended September 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
 
(220
)
 
(589
)
 
(257
)
 
(50
)
 
(89
)
 
—

 
(1,205
)
Recoveries
 
49

 
—

 
576

 
49

 
1

 
—

 
675

Net (charge-offs) recoveries
 
(171
)
 
(589
)
 
319

 
(1
)
 
(88
)
 
—

 
(530
)
Provision for loan losses charged to expense
 
199

 
42

 
(389
)
 
393

 
209

 
(54
)
 
400

Balance, end of period
 
$
1,911

 
$
790

 
$
6,200

 
$
2,681

 
$
788

 
$
51

 
$
12,421
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 September 30, 2016 and December 31, 2015:
 
 
September 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
 
$
351

 
$
—

 
$
253

 
$
—

 
$
—

 
$
—

 
$
604

Collectively evaluated for impairment
 
1,284

 
567

 
6,559

 
2,516

 
892

 
263

 
12,081

Total
 
$
1,635

 
$
567

 
$
6,812

 
$
2,516

 
$
892

 
$
263

 
$
12,685

Loan ending balances:
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Individually evaluated for impairment
 
$
1,343

 
$
513

 
$
1,626

 
$
—

 
$
—

 
$
—

 
$
3,482

Collectively evaluated for impairment
 
40,452

 
25,554

 
494,382

 
282,317

 
88,034

 
—

 
930,739

Total
 
$
41,795

 
$
26,067

 
$
496,008

 
$
282,317

 
$
88,034

 
$
—

 
$
934,221


 
 
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