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

9 Months Ended

Sep. 30, 2018

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, 2018 and 2017:

	For the three months ended September 30, 2018
(In thousands)	SBA held for investment			Commercial		Residential		Consumer			Unallocated		Total
Balance, beginning of period	$	1,637		$	8,355	$	3,493	$	1,149		$	—	$	14,634
Charge-offs	(169		)	—		—		—					(169		)
Recoveries	1			5		—		17					23
Net (charge-offs) recoveries	(168		)	5		—		17			—		(146		)
Provision (credit) for loan losses charged to expense	66			317		119		(2		)	—		500
Balance, end of period	$	1,535		$	8,677	$	3,612	$	1,164		$	—	$	14,988

	For the three months ended September 30, 2017
(In thousands)	SBA held for investment			Commercial			Residential			Consumer			Unallocated		Total
Balance, beginning of period	$	1,514		$	7,387		$	2,816		$	1,083		$	—	$	12,800
Charge-offs	(34		)	(31		)	(5		)	(170		)	—		(240		)
Recoveries	36			15			—			2			—		53
Net (charge-offs) recoveries	2			(16		)	(5		)	(168		)	—		(187		)
Provision for loan losses charged to expense	108			83			83			226			—		500
Balance, end of period	$	1,624		$	7,454		$	2,894		$	1,141		$	—	$	13,113

The following tables detail the activity in the allowance for loan losses portfolio segment for the nine months ended September 30, 2018 and 2017:

	For the nine months ended September 30, 2018
(In thousands)	SBA held for investment			Commercial		Residential		Consumer			Unallocated		Total
Balance, beginning of period	$	1,471		$	7,825	$	3,130	$	1,130		$	—	$	13,556
Charge-offs	(354		)	—		—		(22		)			(376		)
Recoveries	68			25		13		152					258
Net (charge-offs) recoveries	(286		)	25		13		130			—		(118		)
Provision (credit) for loan losses charged to expense	350			827		469		(96		)	—		1,550
Balance, end of period	$	1,535		$	8,677	$	3,612	$	1,164		$	—	$	14,988

	For the nine months ended September 30, 2017
(In thousands)	SBA held for investment			Commercial			Residential			Consumer			Unallocated			Total
Balance, beginning of period	$	1,576		$	7,302		$	2,593		$	925		$	183		$	12,579
Charge-offs	(293		)	(227		)	(5		)	(253		)	—			(778		)
Recoveries	76			71			12			3			—			162
Net (charge-offs) recoveries	(217		)	(156		)	7			(250		)	—			(616		)
Provision (credit) for loan losses charged to expense	265			308			294			466			(183		)	1,150
Balance, end of period	$	1,624		$	7,454		$	2,894		$	1,141		$	—		$	13,113

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, 2018 and December 31, 2017:

	September 30, 2018
(In thousands)	SBA held for investment		Commercial		Residential		Consumer		Total
Allowance for loan losses ending balance:
Individually evaluated for impairment	$	325	$	122	$	—	$	—	$	447
Collectively evaluated for impairment	1,210		8,555		3,612		1,164		14,541
Total	$	1,535	$	8,677	$	3,612	$	1,164	$	14,988
Loan ending balances:
Individually evaluated for impairment	$	1,193	$	1,989	$	—	$	—	$	3,182
Collectively evaluated for impairment	39,858		695,086		413,652		118,497		1,267,093
Total	$	41,051	$	697,075	$	413,652	$	118,497	$	1,270,275

	December 31, 2017
(In thousands)	SBA held for investment		Commercial		Residential		Consumer		Total
Allowance for loan losses ending balance:
Individually evaluated for impairment	$	194	$	138	$	—	$	—	$	332
Collectively evaluated for impairment	1,277		7,687		3,130		1,130		13,224
Total	$	1,471	$	7,825	$	3,130	$	1,130	$	13,556
Loan ending balances:
Individually evaluated for impairment	$	605	$	854	$	—	$	—	$	1,459
Collectively evaluated for impairment	43,394		628,011		365,145		109,855		1,146,405
Total	$	43,999	$	628,865	$	365,145	$	109,855	$	1,147,864