ALLOWANCE FOR LOAN LOSSES (Tables)

3 Months Ended

Mar. 31, 2016

Loans and Leases Receivable, Allowance [Abstract]

Analysis of Allowance for Loan Losses

An analysis of the allowance for loan losses for the three month periods ended March 31, 2016 and 2015 is as follows:

Allowance for Loan Losses:	For the three months ended March 31, 2016
	Beginning Balance		Charge-offs			Recoveries		Provisions (Credits)			Ending Balance
	(amounts in thousands)
Commercial and Industrial	$	952	$	(36	)	$	—	$	(16	)	$	900
Real Estate Construction:
Residential	247		—			—		(67		)	180
Commercial	2,501		—			—		330			2,831
Real Estate Mortgage:
Commercial – Owner Occupied	3,267		—			—		(42		)	3,225
Commercial – Non-owner Occupied	3,838		—			—		106			3,944
Residential – 1 to 4 Family	4,802		—			19		275			5,096
Residential – Multifamily	254		—			—		127			381
Consumer	275		—			—		(13		)	262
Total	$	16,136	$	(36	)	$	19	$	700		$	16,819

Allowance for Loan Losses:	For the three months ended March 31, 2015
	Beginning Balance		Charge-offs			Recoveries		Provisions (Credits)			Ending Balance
	(amounts in thousands)
Commercial and Industrial	$	1,679	$	—		$	19	$	171		$	1,869
Real Estate Construction:
Residential	316		(238		)	—		108			186
Commercial	3,015		(2,380		)	—		983			1,618
Real Estate Mortgage:
Commercial – Owner Occupied	3,296		—			10		38			3,344
Commercial – Non-owner Occupied	4,962		(381		)	398		(398		)	4,581
Residential – 1 to 4 Family	4,156		(128		)	—		17			4,045
Residential – Multifamily	357		—			—		(78		)	279
Consumer	262		—			—		(1		)	261
Unallocated	—		—			—		—			—
Total	$	18,043	$	(3,127	)	$	427	$	840		$	16,183

Allowance for Loan Losses, at    March 31, 2016	Individually evaluated for impairment		Collectively evaluated for impairment		Total
	(amounts in thousands)
Commercial and Industrial	$	38	$	862	$	900
Real Estate Construction:
Residential	—		180		180
Commercial	1,149		1,682		2,831
Real Estate Mortgage:
Commercial – Owner Occupied	290		2,935		3,225
Commercial – Non-owner Occupied	464		3,480		3,944
Residential – 1 to 4 Family	686		4,410		5,096
Residential – Multifamily	5		376		381
Consumer	—		262		262
Total	$	2,632	$	14,187	$	16,819

Allowance for Loan Losses, at    December 31, 2015	Individually evaluated for impairment		Collectively evaluated for impairment		Total
	(amounts in thousands)
Commercial and Industrial	$	67	$	885	$	952
Real Estate Construction:
Residential	—		247		247
Commercial	1,149		1,352		2,501
Real Estate Mortgage:
Commercial – Owner Occupied	73		3,194		3,267
Commercial – Non-owner Occupied	486		3,352		3,838
Residential – 1 to 4 Family	709		4,093		4,802
Residential – Multifamily	5		249		254
Consumer	—		275		275
Total	$	2,489	$	13,647	$	16,136

Loans, at March 31, 2016:	Individually evaluated for impairment		Collectively evaluated for impairment		Total
	(amounts in thousands)
Commercial and Industrial	$	988	$	22,062	$	23,050
Real Estate Construction:
Residential	—		5,555		5,555
Commercial	7,104		48,921		56,025
Real Estate Mortgage:
Commercial – Owner Occupied	4,973		153,866		158,839
Commercial – Non-owner Occupied	24,964		238,314		263,278
Residential – 1 to 4 Family	3,942		235,404		239,346
Residential – Multifamily	355		37,647		38,002
Consumer	—		18,457		18,457
Total	$	42,326	$	760,226	$	802,552

Loans, at December 31, 2015:	Individually evaluated for impairment		Collectively evaluated for impairment		Total
	(amounts in thousands)
Commercial and Industrial	$	1,183	$	25,957	$	27,140
Real Estate Construction:
Residential	—		7,750		7,750
Commercial	7,116		38,129		45,245
Real Estate Mortgage:
Commercial – Owner Occupied	4,699		167,341		172,040
Commercial – Non-owner Occupied	24,584		231,887		256,471
Residential – 1 to 4 Family	4,284		208,982		213,266
Residential – Multifamily	356		17,757		18,113
Consumer	—		18,476		18,476
Total	$	42,222	$	716,279	$	758,501