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Allowance for Loan Losses and Reserve for Unfunded Loan Commitments (Tables)
 12 Months Ended
Dec. 31, 2017
Financing Receivable, Allowance for Credit Loss, Additional Information [Abstract]  
Activity in the Allowance for Loan Losses by Portfolio Segment
The following tables detail the activity in the allowance for loan losses by portfolio segment for the past two years:
 
 
For the year ended December 31, 2017
(In thousands)
 
SBA held for investment
 
SBA 504
 
Commercial
 
Residential
 
Consumer
 
Unallocated
 
Total
Balance, beginning of period
 
$
1,576

 
$
573

 
$
6,729

 
$
2,593

 
$
925

 
$
183

 
$
12,579

Charge-offs
 
(293
)
 
(76
)
 
(151
)
 
(55
)
 
(336
)
 
—

 
(911
)
Recoveries
 
121

 
2

 
100

 
12

 
3

 
—

 
238

Net charge-offs
 
(172
)
 
(74
)
 
(51
)
 
(43
)
 
(333
)
 
—

 
(673
)
Provision for loan losses charged to expense
 
67

 
(69
)
 
717

 
580

 
538

 
(183
)
 
1,650

Balance, end of period
 
$
1,471

 
$
430

 
$
7,395

 
$
3,130

 
$
1,130

 
$
—

 
$
13,556

 
 
 
 
For the year ended December 31, 2016
(In thousands)
 
SBA held for investment
 
SBA 504
 
Commercial
 
Residential
 
Consumer
 
Unallocated
 
Total
Balance, beginning of period
 
$
1,961

 
$
741

 
$
6,309

 
$
2,769

 
$
817

 
$
162

 
$
12,759

Charge-offs
 
(557
)
 
—

 
(775
)
 
(101
)
 
(30
)
 
—

 
(1,463
)
Recoveries
 
33

 
—

 
29

 
—

 
1

 
—

 
63

Net charge-offs
 
(524
)
 
—

 
(746
)
 
(101
)
 
(29
)
 
—

 
(1,400
)
Provision for loan losses charged to expense
 
139

 
(168
)
 
1,166

 
(75
)
 
137

 
21

 
1,220

Balance, end of period
 
$
1,576

 
$
573

 
$
6,729

 
$
2,593

 
$
925

 
$
183

 
$
12,579
Allowance for Credit Losses on Financing Receivables
The following tables present loans and their related allowance for loan losses, by portfolio segment, as of December 31st for the past two years:
 
 
December 31, 2017
(In thousands)
 
SBA held for investment
 
SBA 504
 
Commercial
 
Residential
 
Consumer
 
Unallocated
 
Total
Allowance for loan losses ending balance:
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Individually evaluated for impairment
 
$
194

 
$
—

 
$
138

 
$
—

 
$
—

 
$
—

 
$
332

Collectively evaluated for impairment
 
1,277

 
430

 
7,257

 
3,130

 
1,130

 
—

 
13,224

Total
 
$
1,471

 
$
430

 
$
7,395

 
$
3,130

 
$
1,130

 
$
—

 
$
13,556

Loan ending balances:
 
 

 
 

 
 

 
 

 
 

 
 

 
 

Individually evaluated for impairment
 
$
605

 
$
—

 
$
854

 
$
—

 
$
—

 
$
—

 
$
1,459

Collectively evaluated for impairment
 
43,394

 
21,871

 
606,140

 
365,145

 
109,855

 
—

 
1,146,405

Total
 
$
43,999

 
$
21,871

 
$
606,994

 
$
365,145

 
$
109,855

 
$
—

 
$
1,147,864


 
 
December 31, 2016
(In thousands)
 
SBA held for investment
 
SBA 504
 
Commercial
 
Residential
 
Consumer
 
Unallocated
 
Total
Allowance for loan losses ending balance:
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Individually evaluated for impairment
 
$
246

 
$
—

 
$
34

 
$
—

 
$
—

 
$
—

 
$
280

Collectively evaluated for impairment
 
1,330

 
573

 
6,695

 
2,593

 
925

 
183

 
12,299

Total
 
$
1,576

 
$
573

 
$
6,729

 
$
2,593

 
$
925

 
$
183

 
$
12,579

Loan ending balances:
 
 

 
 

 
 

 
 

 
 

 
 

 
 

Individually evaluated for impairment
 
$
1,108

 
$
513

 
$
426

 
$
—

 
$
—

 
$
—

 
$
2,047

Collectively evaluated for impairment
 
41,384

 
25,831

 
508,745

 
289,093

 
91,541

 
—

 
956,594

Total
 
$
42,492

 
$
26,344

 
$
509,171

 
$
289,093

 
$
91,541

 
$
—

 
$
958,641