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Loans (Tables)
 3 Months Ended
Mar. 31, 2016
Loans [Abstract]  
Loan Portfolio Segmented By Risk Class
The following table presents total portfolio loans by portfolio segment and class of financing receivable, based on our asset quality rating ("AQR") criteria:
(In Thousands)
Commercial

Real estate construction one-to-four family

Real estate construction other

Real estate term owner occupied

Real estate term non-owner occupied

Real estate term other

Consumer secured by 1st deeds of trust

Consumer other

Total
March 31, 2016
 

 

 

 

 

 

 

 

 
AQR Pass

$308,922



$38,399



$81,872



$112,470



$303,650



$36,644



$24,365



$27,051



$933,373

AQR Special Mention
619


—


—


—


—


301


165


9


1,094

AQR Substandard
17,194


3,972


1,912


16,463


235


—


462


63


40,301

Subtotal

$326,735



$42,371



$83,784



$128,933



$303,885



$36,945



$24,992



$27,123



$974,768

Less: Unearned origination fees, net of origination costs

 

 

(4,251
)
        Total loans
 

 

 

 

 

 

 

 


$970,517

December 31, 2015
 

 

 

 

 

 

 

 

 
AQR Pass

$313,689



$44,488



$74,931



$112,248



$313,710



$37,938



$26,015



$28,882



$951,901

AQR Special Mention
536


—


—


—


—


91


171


10


808

AQR Substandard
15,309


—


—


16,515


359


—


487


20


32,690

Subtotal

$329,534



$44,488



$74,931



$128,763



$314,069



$38,029



$26,673



$28,912



$985,399

Less: Unearned origination fees, net of origination costs

 

 

(4,612
)
        Total loans
 

 

 

 

 

 

 

 


$980,787
Nonaccrual Loans By Segment
Nonaccrual loans at the periods indicated, by segment, are presented below:
(In  Thousands)
March 31, 2016

December 31, 2015
Commercial

$2,660



$3,013

Real estate term owner occupied
36


38

Real estate term non-owner occupied
235


359

Consumer secured by 1st deeds of trust
250


256

Consumer other
15


20

Total nonaccrual loans

$3,196



$3,686

Government guarantees on nonaccrual loans
(1,561
)

(1,561
)
Net nonaccrual loans

$1,635



$2,125
Past Due Loans And Nonaccrual Loans
Past due loans and nonaccrual loans at the periods indicated are presented below by AQR:
(In Thousands)
30-59 Days
Past Due
Still
Accruing

60-89 Days
Past Due
Still
Accruing

Greater Than
90 Days
Still
Accruing

Nonaccrual

Total Past
Due

Current

Total
March 31, 2016
 

 

 

 

 

 

 
AQR Pass

$1,112



$—



$—



$—



$1,112



$932,261



$933,373

AQR Special Mention
128


—


—


—


128


966


1,094

AQR Substandard
2,802


—


47


3,196


6,045


34,256


40,301

Subtotal

$4,042



$—



$47



$3,196



$7,285



$967,483



$974,768

Less: Unearned origination fees,  net of origination costs

 


 


(4,251
)
     Total
 


 


 


 


 


 



$970,517

December 31, 2015
 

 

 

 

 

 

 
AQR Pass

$601



$—



$—



$—



$601



$951,300



$951,901

AQR Special Mention
312


—


—


—


312


496


808

AQR Substandard
216


21


—


3,686


3,923


28,767


32,690

Subtotal

$1,129



$21



$—



$3,686



$4,836



$980,563



$985,399

Less: Unearned origination fees,  net of origination costs

 


 


(4,612
)
     Total
 


 


 


 


 


 



$980,787
Impaired Loans
The following table presents information about impaired loans by class as of the periods indicated:
(In Thousands)
Recorded Investment

Unpaid Principal Balance

Related Allowance
March 31, 2016
 

 

 
With no related allowance recorded
 

 

 
Commercial - AQR special mention

$154



$154



$—

Commercial - AQR substandard
16,375


16,920


—

Real estate construction one-to-four family - AQR substandard
3,972


3,972


—

Real estate construction other - AQR substandard
1,912


1,912


—

Real estate term owner occupied- AQR pass
745


745


—

Real estate term owner occupied- AQR substandard
16,378


16,378


—

Real estate term non-owner occupied- AQR pass
466


466


—

Real estate term non-owner occupied- AQR substandard
229


229


—

Real estate term other - AQR pass
687


687


—

Real estate term other - AQR special mention
89


89


—

Consumer secured by 1st deeds of trust - AQR pass
75


75


—

Consumer secured by 1st deeds of trust - AQR substandard
462


462


—

          Subtotal

$41,544



$42,089



$—

With an allowance recorded
 

 

 
Commercial - AQR substandard

$594



$594



$119

  Subtotal

$594



$594



$119

Total
 
 
 
 
 
Commercial - AQR special mention

$154



$154



$—

Commercial - AQR substandard
16,969


17,514


119

Real estate construction one-to-four family - AQR substandard
3,972


3,972


—

Real estate construction other - AQR substandard
1,912


1,912


—

Real estate term owner-occupied - AQR pass
745


745


—

Real estate term owner-occupied - AQR substandard
16,378


16,378


—

Real estate term non-owner occupied - AQR pass
466


466


—

Real estate term non-owner occupied - AQR substandard
229


229


—

Real estate term other - AQR pass
687


687


—

Real estate term other - AQR special mention
89


89


—

Consumer secured by 1st deeds of trust - AQR pass
75


75


—

Consumer secured by 1st deeds of trust - AQR substandard
462


462


—

  Total

$42,138



$42,683



$119

(In Thousands)
Recorded Investment
 
Unpaid Principal Balance
 
Related Allowance
December 31, 2015
 

 

 
With no related allowance recorded
 

 

 
Commercial - AQR special mention

$157



$157



$—

Commercial - AQR substandard
14,030


14,443


—

Real estate term owner occupied - AQR pass
753


753


—

Real estate term owner occupied - AQR substandard
16,476


16,476


—

Real estate term non-owner occupied - AQR pass
473

 
473

 
—

Real estate term non-owner occupied - AQR substandard
352


352


—

Real estate term other - AQR pass
699


699


—

Real estate term other - AQR special mention
91


91




Consumer secured by 1st deeds of trust - AQR pass
76


76


—

Consumer secured by 1st deeds of trust - AQR substandard
472


472


—

  Subtotal

$33,579



$33,992



$—

With an allowance recorded
 

 

 
Commercial - AQR substandard

$1,061



$1,061



$344

         Subtotal

$1,061



$1,061



$344

Total
 
 
 
 
 
Commercial - AQR special mention

$157



$157



$—

Commercial - AQR substandard
15,091


15,504


344

Real estate term owner occupied - AQR pass
753


753


—

Real estate term owner occupied - AQR substandard
16,476


16,476


—

Real estate term non-owner occupied - AQR pass
473

 
473

 
—

Real estate term non-owner occupied - AQR substandard
352


352


—

Real estate term other - AQR pass
699


699


—

Real estate term other - AQR special mention
91


91


—

Consumer secured by 1st deeds of trust - AQR pass
76


76


—

Consumer secured by 1st deeds of trust - AQR substandard
472


472


—

  Total

$34,640



$35,053



$344



The unpaid principal balance included in the tables above represents the recorded investment at the dates indicated, plus amounts charged off for book purposes. 
The following tables summarize our average recorded investment and interest income recognized on impaired loans for the three month periods ended March 31, 2016 and 2015, respectively:
Three Months Ended March 31,
2016

2015
(In Thousands)
Average Recorded Investment
Interest Income Recognized
Average Recorded Investment
Interest Income Recognized
With no related allowance recorded







     Commercial - AQR special mention

$155



$3



$168



$3

     Commercial - AQR substandard
16,589


197


3,040


29

     Real estate construction one-to-four family - AQR substandard
3,972

 
—

 
—

 
—

     Real estate construction other - AQR pass
—


—


763


30

     Real estate construction other - AQR substandard
1,912


—


—


—

     Real estate term owner occupied- AQR pass
749


14


499


12

     Real estate term owner occupied- AQR special mention
—


—


272


5

     Real estate term owner occupied- AQR substandard
16,401


236


640


9

     Real estate term non-owner occupied- AQR pass
470


19


546


19

     Real estate term non-owner occupied- AQR special mention
—


—


2,175


44

     Real estate term non-owner occupied- AQR substandard
237


—


2,371


—

     Real estate term other - AQR pass
543


12


—


—

     Real estate term other - AQR special mention
90


2


—


—

     Real estate term other - AQR substandard
—


—


150


3

     Consumer secured by 1st deeds of trust - AQR pass
76


1


81


1

     Consumer secured by 1st deeds of trust - AQR substandard
467


3


677


—

         Subtotal

$41,661



$487



$11,382



$155

With an allowance recorded







     Commercial - AQR substandard

$594



$—



$2,245



$—

     Real estate term other - AQR substandard
—


—


284


—

         Subtotal

$594



$—



$2,529



$—

Total





 

     Commercial - AQR special mention

$155



$3



$168

 

$3

     Commercial - AQR substandard
17,183


197


5,285

 
29

     Real estate construction one-to-four family - AQR substandard
3,972


—


—

 
—

     Real estate construction other - AQR pass
—


—


763

 
30

     Real estate construction other - AQR substandard
1,912


—


—

 
—

     Real estate term owner-occupied - AQR pass
749


14


499

 
12

     Real estate term owner-occupied - AQR special mention
—


—


272

 
5

     Real estate term owner-occupied - AQR substandard
16,401


236


640

 
9

     Real estate term non-owner occupied - AQR pass
470


19


546

 
19

     Real estate term non-owner occupied - AQR special mention
—


—


2,175

 
44

     Real estate term non-owner occupied - AQR substandard
237


—


2,371

 
—

     Real estate term other - AQR pass
543


12


—

 
—

     Real estate term other - AQR special mention
90


2


—

 
—

     Real estate term other - AQR substandard
—


—


434

 
3

     Consumer secured by 1st deeds of trust - AQR pass
76


1


81

 
1

     Consumer secured by 1st deeds of trust - AQR substandard
467


3


677

 
—

         Total Impaired Loans

$42,255



$487



$13,911

 

$155