Allowance for Loan Losses (Tables)

3 Months Ended

Mar. 31, 2014

Allowance for Loan Losses

Summary of allocation of the allowance as well as the activity in the allowance attributed to various segments in the loan portfolio

	Commercial and industrial			Commercial owner occupied			SBA			Warehouse			Commercial non-owner occupied			Multi- family			One-to-four family			Construction			Land			Other loans			Total
	(dollars in thousands)
Balance, December 31, 2013	$	1,968		$	1,818		$	151		$	392		$	1,658		$	817		$	1,099		$	136		$	127		$	34		$	8,200
Charge-offs	(124		)	—			—			—			(365		)	—			(12		)	—			—			—			(501		)
Recoveries	5			—			2			—			—			—			30			—			—			—			37
Provisions for (reduction in) loan losses	516			(64		)	26			(16		)	564			(12		)	(198		)	187			(46		)	(8		)	949
Balance, March 31, 2014	$	2,365		$	1,754		$	179		$	376		$	1,857		$	805		$	919		$	323		$	81		$	26		$	8,685
Amount of allowance attributed to:
Specifically evaluated impaired loans	$	—		$	—		$	—		$	—		$	—		$	—		$	104		$	—		$	—		$	—		$	104
General portfolio allocation	2,365			1,754			179			376			1,857			805			815			323			81			26			8,581
Loans individually evaluated for impairment	31			718			14			—			1,327			—			593			—			—			—			2,683
Specific reserves to total loans individually evaluated for impairment	0.00		%	0.00		%	0.00		%	0.00		%	0.00		%	0.00		%	17.54		%	0.00		%	0.00		%	0.00		%	3.88		%
Loans collectively evaluated for impairment	$	271,846		$	223,130		$	11,031		$	81,033		$	332,163		$	223,200		$	140,876		$	29,857		$	6,170		$	3,480		$	1,322,786
General reserves to total loans collectively evaluated for impairment	0.87		%	0.79		%	1.62		%	0.46		%	0.56		%	0.36		%	0.58		%	1.08		%	1.31		%	0.75		%	0.65		%
Total gross loans	$	271,877		$	223,848		$	11,045		$	81,033		$	333,490		$	223,200		$	141,469		$	29,857		$	6,170		$	3,480		$	1,325,469
Total allowance to gross loans	0.87		%	0.78		%	1.62		%	0.46		%	0.56		%	0.36		%	0.65		%	1.08		%	1.31		%	0.75		%	0.66		%

	Commercial and industrial			Commercial owner occupied			SBA			Warehouse			Commercial non-owner occupied			Multi- family			One-to-four family			Construction			Land			Other loans			Total
	(dollars in thousands)
Balance, December 31, 2012	$	1,310		$	1,512		$	79		$	1,544		$	1,459		$	1,145		$	862		$	—		$	31		$	52		$	7,994
Charge-offs	(58		)	—			(5		)	—			(401		)	—			(10		)	—			—			(6		)	(480		)
Recoveries	7			—			19			—			—			—			43			—			—			115			184
Provisions for (reduction in) loan losses	1,037			153			(43		)	(814		)	345			(639		)	279			—			90			(112		)	296
Balance, March 31, 2013	$	2,296		$	1,665		$	50		$	730		$	1,403		$	506		$	1,174		$	—		$	121		$	49		$	7,994
Amount of allowance attributed to:
Specifically evaluated impaired loans	$	256		$	—		$	—		$	—		$	—		$	—		$	360		$	—		$	—		$	—		$	616
General portfolio allocation	2,040			1,665			50			730			1,403			506			814			—			121			49			7,378
Loans individually evaluated for impairment	580			245			129			—			1,974			—			824			—			—			—			3,752
Specific reserves to total loans individually evaluated for impairment	44.14		%	0.00		%	0.00		%	0.00		%	0.00		%	0.00		%	43.69		%	0.00		%	0.00		%	0.00		%	16.42		%
Loans collectively evaluated for impairment	$	140,012		$	166,326		$	4,987		$	138,935		$	254,041		$	139,100		$	86,285		$	—		$	7,863		$	4,690		$	942,239
General reserves to total loans collectively evaluated for impairment	1.46		%	1.00		%	1.00		%	0.53		%	0.55		%	0.36		%	0.94		%	0.00		%	1.54		%	1.04		%	0.78		%
Total gross loans	$	140,592		$	166,571		$	5,116		$	138,935		$	256,015		$	139,100		$	87,109		$	—		$	7,863		$	4,690		$	945,991
Total allowance to gross loans	1.63		%	1.00		%	0.98		%	0.53		%	0.55		%	0.36		%	1.35		%	0.00		%	1.54		%	1.04		%	0.85		%