Allowance for Loan Losses (Tables)

3 Months Ended

Mar. 31, 2015

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 Facilities			Commercial non-owner occupied			Multi- family			One-to-four family			Construction			Land			Other loans			Total
	(dollars in thousands)
Balance, December 31, 2014	$	4,200		$	1,757		$	568		$	546		$	2,007		$	1,060		$	842		$	1,088		$	108		$	24		$	12,200
Charge-offs	(396		)	—			—			—			—			—			—			—			—			—			(396		)
Recoveries	12			—			—			—			—			—			—			—			—			—			12
Provisions for (reduction in) loan losses	1,116			96			(21		)	343			124			243			(168		)	122			(30		)	5			1,830
Balance, March 31, 2015	$	4,932		$	1,853		$	547		$	889		$	2,131		$	1,303		$	674		$	1,210		$	78		$	29		$	13,646
Amount of allowance attributed to:
Specifically evaluated impaired loans	$	—		$	—		$	—		$	—		$	—		$	—		$	—		$	—		$	—		$	—		$	—
General portfolio allocation	4,932			1,853			547			889			2,131			1,303			674			1,210			78			29			13,646
Loans individually evaluated for impairment	1,853			379			—			—			458			—			232			—			—			—			2,922
Specific reserves to total loans individually evaluated for impairment	0.00		%	0.00		%	0.00		%	0.00		%	0.00		%	0.00		%	0.00		%	0.00		%	0.00		%	0.00		%	0.00		%
Loans collectively evaluated for impairment	$	418,365		$	351,972		$	49,855		$	216,554		$	451,964		$	397,130		$	116,503		$	111,704		$	7,243		$	6,641		$	2,127,931
General reserves to total loans collectively evaluated for impairment	1.18		%	0.53		%	1.10		%	0.41		%	0.47		%	0.33		%	0.58		%	1.08		%	1.08		%	0.44		%	0.64		%
Total gross loans	$	420,218		$	352,351		$	49,855		$	216,554		$	452,422		$	397,130		$	116,735		$	111,704		$	7,243		$	6,641		$	2,130,853
Total allowance to gross loans	1.17		%	0.53		%	1.10		%	0.41		%	0.47		%	0.33		%	0.58		%	1.08		%	1.08		%	0.44		%	0.64		%

	Commercial and industrial			Commercial owner occupied			SBA			Warehouse Facilities			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		%