ALLOWANCE FOR LOAN LOSSES (Tables)

3 Months Ended

Mar. 31, 2017

Financing Receivable, Allowance for Credit Loss, Additional Information [Abstract]

Analysis of Allowance for Loan Losses

An analysis of the allowance for loan losses for the three month periods ended March 31, 2017 and 2016 is as follows:

Allowance for Loan Losses:	For the three months ended March 31, 2017
	Beginning Balance		Charge-offs			Recoveries		Provisions (Credits)			Ending Balance
	(amounts in thousands)
Commercial and Industrial	$	1,188	$	(134	)	$	35	$	76		$	1,165
Real Estate Construction:
Residential	268		—			—		(39		)	229
Commercial	2,496		—			—		(556		)	1,940
Real Estate Mortgage:
Commercial – Owner Occupied	2,082		(430		)	—		217			1,869
Commercial – Non-owner Occupied	3,889		—			40		311			4,240
Residential – 1 to 4 Family	4,916		(118		)	2		336			5,136
Residential – Multifamily	505		—			—		157			662
Consumer	236		—			—		(2		)	234
Total	$	15,580	$	(682	)	$	77	$	500		$	15,475

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, at    March 31, 2017	Individually evaluated for impairment		Collectively evaluated for impairment		Total
	(amounts in thousands)
Commercial and Industrial	$	—	$	1,165	$	1,165
Real Estate Construction:
Residential	—		229		229
Commercial	820		1,120		1,940
Real Estate Mortgage:
Commercial – Owner Occupied	58		1,811		1,869
Commercial – Non-owner Occupied	524		3,716		4,240
Residential – 1 to 4 Family	220		4,916		5,136
Residential – Multifamily	69		593		662
Consumer	—		234		234
Total	$	1,691	$	13,784	$	15,475

Allowance for Loan Losses, at    December 31, 2016	Individually evaluated for impairment		Collectively evaluated for impairment		Total
	(amounts in thousands)
Commercial and Industrial	$	138	$	1,050	$	1,188
Real Estate Construction:
Residential	—		268		268
Commercial	155		2,341		2,496
Real Estate Mortgage:
Commercial – Owner Occupied	498		1,584		2,082
Commercial – Non-owner Occupied	226		3,663		3,889
Residential – 1 to 4 Family	234		4,682		4,916
Residential – Multifamily	—		505		505
Consumer	—		236		236
Total	$	1,251	$	14,329	$	15,580

Loans, at March 31, 2017:	Individually evaluated for impairment		Collectively evaluated for impairment		Total
	(amounts in thousands)
Commercial and Industrial	$	20	$	28,069	$	28,089
Real Estate Construction:
Residential	—		16,390		16,390
Commercial	7,989		48,394		56,383
Real Estate Mortgage:
Commercial – Owner Occupied	4,047		120,839		124,886
Commercial – Non-owner Occupied	18,859		249,891		268,750
Residential – 1 to 4 Family	3,981		323,172		327,153
Residential – Multifamily	265		46,607		46,872
Consumer	90		16,476		16,566
Total	$	35,251	$	849,838	$	885,089

Loans, at December 31, 2016:	Individually evaluated for impairment		Collectively evaluated for impairment		Total
	(amounts in thousands)
Commercial and Industrial	$	159	$	26,615	$	26,774
Real Estate Construction:
Residential	—		8,825		8,825
Commercial	8,386		50,083		58,469
Real Estate Mortgage:
Commercial – Owner Occupied	4,380		119,518		123,898
Commercial – Non-owner Occupied	19,000		249,123		268,123
Residential – 1 to 4 Family	4,065		305,275		309,340
Residential – Multifamily	308		39,496		39,804
Consumer	107		16,613		16,720
Total	$	36,405	$	815,548	$	851,953