Allowance for Loan Losses and Reserve for Unfunded Loan Commitments (Tables)

6 Months Ended

Jun. 30, 2014

Allowance for Loan Losses and Reserve for Unfunded Loan Commitments [Abstract]

Allowance for Credit Losses on Financing Receivables

The following tables detail the activity in the allowance for loan losses by porfolio segment for the three months ended June 30, 2014 and 2013:  

	For the three months ended June 30, 2014
(In thousands)	SBA held for investment		SBA 504		Commercial		Residential		Consumer		Unallocated		Total
Balance, beginning of period	$	2,346	$	947	$	6,402	$	2,062	$	705	$	345	$	12,807
Charge-offs		(199)		-		(134)		(5)		(203)		-		(541)
Recoveries		10		-		31		-		1		-		42
Net charge-offs		(189)		-		(103)		(5)		(202)		-		(499)
Provision for loan losses charged to expense		348		(18)		(17)		114		238		(115)		550
Balance, end of period	$	2,505	$	929	$	6,282	$	2,171	$	741	$	230	$	12,858

	For the three months ended June 30, 2013
(In thousands)	SBA held for investment		SBA 504		Commercial		Residential		Consumer		Unallocated		Total
Balance, beginning of period	$	3,408	$	1,296	$	6,879	$	1,877	$	556	$	329	$	14,345
Charge-offs		(167)		(200)		(200)		-		-		-		(567)
Recoveries		8		154		65		2		2		-		231
Net charge-offs		(159)		(46)		(135)		2		2		-		(336)
Provision for loan losses charged to expense		(114)		238		62		75		(69)		108		300
Balance, end of period	$	3,135	$	1,488	$	6,806	$	1,954	$	489	$	437	$	14,309

The following tables detail the activity in the allowance for loan losses by porfolio segment for the six months ended June 30, 2014 and 2013:  

	For the six months ended June 30, 2014
(In thousands)	SBA held for investment		SBA 504		Commercial		Residential		Consumer		Unallocated		Total
Balance, beginning of period	$	2,587	$	957	$	6,840	$	2,132	$	573	$	52	$	13,141
Charge-offs		(253)		(92)		(588)		(177)		(382)		-		(1,492)
Recoveries		18		-		40		-		1		-		59
Net charge-offs		(235)		(92)		(548)		(177)		(381)		-		(1,433)
Provision for loan losses charged to expense		153		64		(10)		216		549		178		1,150
Balance, end of period	$	2,505	$	929	$	6,282	$	2,171	$	741	$	230	$	12,858

	For the six months ended June 30, 2013
(In thousands)	SBA held for investment		SBA 504		Commercial		Residential		Consumer		Unallocated		Total
Balance, beginning of period	$	3,378	$	1,312	$	7,091	$	1,769	$	524	$	684	$	14,758
Charge-offs		(737)		(400)		(575)		(125)		(59)		-		(1,896)
Recoveries		145		179		166		4		3		-		497
Net charge-offs		(592)		(221)		(409)		(121)		(56)		-		(1,399)
Provision for loan losses charged to expense		349		397		124		306		21		(247)		950
Balance, end of period	$	3,135	$	1,488	$	6,806	$	1,954	$	489	$	437	$	14,309

Allowance For Credit Losses On Financing Receivables On Basis Of Impairment Method

	June 30, 2014
(In thousands)	SBA held for investment		SBA 504		Commercial		Residential		Consumer		Unallocated		Total
Allowance for loan losses ending balance:
Individually evaluated for impairment	$	1,049	$	-	$	89	$	-	$	-	$	-	$	1,138
Collectively evaluated for impairment		1,456		929		6,193		2,171		741		230		11,720
Total	$	2,505	$	929	$	6,282	$	2,171	$	741	$	230	$	12,858
Loan ending balances:
Individually evaluated for impairment	$	3,268	$	2,232	$	6,031	$	-	$	-	$	-	$	11,531
Collectively evaluated for impairment		43,622		32,220		369,945		196,184		48,943		-		690,914
Total	$	46,890	$	34,452	$	375,976	$	196,184	$	48,943	$	-	$	702,445

	December 31, 2013
(In thousands)	SBA held for investment		SBA 504		Commercial		Residential		Consumer		Unallocated		Total
Allowance for loan losses ending balance:
Individually evaluated for impairment	$	831	$	29	$	278	$	-	$	-	$	-	$	1,138
Collectively evaluated for impairment		1,756		928		6,562		2,132		573		52		12,003
Total	$	2,587	$	957	$	6,840	$	2,132	$	573	$	52	$	13,141
Loan ending balances:
Individually evaluated for impairment	$	2,740	$	2,928	$	9,120	$	-	$	-	$	-	$	14,788
Collectively evaluated for impairment		46,178		28,636		354,220		182,067		46,139		-		657,240
Total	$	48,918	$	31,564	$	363,340	$	182,067	$	46,139	$	-	$	672,028