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Allowance for Loan Losses and Reserve for Unfunded Loan Commitments (Tables)
 12 Months Ended
Dec. 31, 2018
Financing Receivable, Allowance for Credit Loss, Additional Information [Abstract]  
Activity in the Allowance for Loan Losses by Portfolio Segment
The following tables detail the activity in the allowance for loan losses by portfolio segment for the past three years:
 
 
For the year ended December 31, 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
)
 
(10
)
 
—

 
(22
)
 
—

 
(386
)
Recoveries
 
72

 
30

 
13

 
153

 
—

 
268

Net charge-offs
 
(282
)
 
20

 
13

 
131

 
—

 
(118
)
Provision (credit) for loan losses charged to expense
 
466

 
860

 
757

 
(33
)
 
—

 
2,050

Balance, end of period
 
$
1,655

 
$
8,705

 
$
3,900

 
$
1,228

 
$
—

 
$
15,488

 
 
 
 
For the year ended December 31, 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
)
 
(55
)
 
(336
)
 
—

 
(911
)
Recoveries
 
121

 
102

 
12

 
3

 
—

 
238

Net charge-offs
 
(172
)
 
(125
)
 
(43
)
 
(333
)
 
—

 
(673
)
Provision (credit) for loan losses charged to expense
 
67

 
648

 
580

 
538

 
(183
)
 
1,650

Balance, end of period
 
$
1,471

 
$
7,825

 
$
3,130

 
$
1,130

 
$
—

 
$
13,556


 
 
 
For the year ended December 31, 2016
(In thousands)
 
SBA held for investment
 
Commercial
 
Residential
 
Consumer
 
Unallocated
 
Total
Balance, beginning of period
 
$
1,961

 
$
7,050

 
$
2,769

 
$
817

 
$
162

 
$
12,759

Charge-offs
 
(557
)
 
(775
)
 
(101
)
 
(30
)
 
—

 
(1,463
)
Recoveries
 
33

 
29

 
—

 
1

 
—

 
63

Net charge-offs
 
(524
)
 
(746
)
 
(101
)
 
(29
)
 
—

 
(1,400
)
Provision (credit) for loan losses charged to expense
 
139

 
998

 
(75
)
 
137

 
21

 
1,220

Balance, end of period
 
$
1,576

 
$
7,302

 
$
2,593

 
$
925

 
$
183

 
$
12,579
Allowance for Credit Losses on Financing Receivables
The following tables present loans and their related allowance for loan losses, by portfolio segment, as of December 31st for the past two years:
 
 
December 31, 2018
(In thousands)
 
SBA held for investment
 
Commercial
 
Residential
 
Consumer
 
Total
Allowance for loan losses ending balance:
 
 
 
 
 
 
 
 
 
 
Individually evaluated for impairment
 
$
540

 
$
127

 
$
—

 
$
—

 
$
667

Collectively evaluated for impairment
 
1,115

 
8,578

 
3,900

 
1,228

 
14,821

Total
 
$
1,655

 
$
8,705

 
$
3,900

 
$
1,228

 
$
15,488

Loan ending balances:
 
 

 
 

 
 

 
 

 
 

Individually evaluated for impairment
 
$
1,471

 
$
1,821

 
$
—

 
$
—

 
$
3,292

Collectively evaluated for impairment
 
37,862

 
692,281

 
436,056

 
123,904

 
1,290,103

Total
 
$
39,333

 
$
694,102

 
$
436,056

 
$
123,904

 
$
1,293,395


 
 
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