Loans (Tables)

9 Months Ended

Sep. 30, 2018



	September 30,	December 31,
	2018	2017

SBA non-real estate	$ 74,408	$ 70,379
SBA commercial mortgage	166,432	142,086
SBA construction	17,978	16,740
SBA loans *	258,818	229,205
Direct lease financing	395,976	377,660
SBLOC	778,552	730,462
Other specialty lending	40,799	30,720
Other consumer loans	12,172	14,133
	1,486,317	1,382,180
Unamortized loan fees and costs	10,456	10,048
Total loans, net of deferred loan fees and costs	$ 1,496,773	$ 1,392,228

Schedule Of Small Business Administation Loans And Held For Sale


	September 30,	December 31,
	2018	2017

SBA loans, including deferred fees and costs	$ 266,433	$ 236,724
SBA loans included in held for sale	193,372	165,177
Total SBA loans	$ 459,805	$ 401,901

Impaired Loans



	Recorded investment	Unpaid principal balance	Related allowance	Average recorded investment	Interest income recognized
September 30, 2018
Without an allowance recorded
SBA non-real estate	$ 193	$ 1,328	$ -	$ 374	$ -
SBA commercial mortgage	-	-	-	-	-
Direct lease financing	454	566	-	421	22
Consumer - other	-	-	-	-	-
Consumer - home equity	1,618	1,618	-	1,656	7
With an allowance recorded					-
SBA non-real estate	2,779	2,779	1,844	2,636	25
SBA commercial mortgage	458	458	71	517	-
Direct lease financing	671	671	195	663	56
Consumer - other	-	-	-	-	-
Consumer - home equity	-	-	-	-	-
Total
SBA non-real estate	2,972	4,107	1,844	3,010	25
SBA commercial mortgage	458	458	71	517	-
Direct lease financing	1,125	1,237	195	1,084	78
Consumer - other	-	-	-	-	-
Consumer - home equity	1,618	1,618	-	1,656	7
	$ 6,173	$ 7,420	$ 2,110	$ 6,267	$ 110



December 31, 2017
Without an allowance recorded
SBA non-real estate	$ 459	$ 1,286	$ -	$ 311	$ 12
SBA commercial mortgage	-	-	-	-	-
Direct lease financing	229	341	-	103	33
Consumer - other	-	-	-	259	-
Consumer - home equity	1,695	1,695	-	1,712	9
With an allowance recorded
SBA non-real estate	2,399	2,399	1,689	2,507	60
SBA commercial mortgage	693	693	225	747	-
Direct lease financing	-	-	-	405	-
Consumer - other	-	-	-	14	-
Consumer - home equity	-	-	-	-	-
Total
SBA non-real estate	2,858	3,685	1,689	2,818	72
SBA commercial mortgage	693	693	225	747	-
Direct lease financing	229	341	-	508	33
Consumer - other	-	-	-	273	-
Consumer - home equity	1,695	1,695	-	1,712	9
	$ 5,475	$ 6,414	$ 1,914	$ 6,058	$ 114

Non-accrual Loans, Loans Past Due 90 Days And Other Real Estate Owned And Delinquent Loans By Loan Category



	September 30,	December 31,
	2018	2017

Non-accrual loans
SBA non-real estate	$ 2,433	$ 1,889
SBA commercial mortgage	458	693
Consumer	1,343	1,414
Total non-accrual loans	4,234	3,996

Loans past due 90 days or more and still accruing	1,015	227
Total non-performing loans	5,249	4,223
Other real estate owned	405	450
Total non-performing assets	$ 5,654	$ 4,673

Loans Modified And Considered Troubled Debt Restructurings



	September 30, 2018			December 31, 2017
	Number	Pre-modification recorded investment	Post-modification recorded investment	Number	Pre-modification recorded investment	Post-modification recorded investment
SBA non-real estate	5	$ 719	$ 719	5	$ 1,476	$ 1,476
Direct lease financing	3	1,125	1,125	1	230	230
Consumer	2	519	519	2	535	535
Total	10	$ 2,363	$ 2,363	8	$ 2,241	$ 2,241

Loans Modified As Troubled Debt Restructurings



	September 30, 2018			December 31, 2017
	Adjusted interest rate	Extended maturity	Combined rate and maturity	Adjusted interest rate	Extended maturity	Combined rate and maturity
SBA non-real estate	$ -	$ 148	$ 571	$ -	$ 115	$ 1,361
Direct lease financing	-	671	454	-	-	230
Consumer	-	-	519	-	-	535
Total	$ -	$ 819	$ 1,544	$ -	$ 115	$ 2,126

Summary Of Restructured Loans Within The Last Twelve Months That Have Subsequently Defaulted



	Number	Pre-modification recorded investment
SBA non-real estate	2	$ 314
Direct lease financing	1	308
Total	3	$ 622

Changes In Allowance For Loan And Lease Losses By Loan Category



	SBA non-real estate	SBA commercial mortgage	SBA construction	Direct lease financing	SBLOC	Other specialty lending	Other consumer loans	Unallocated	Total
September 30, 2018
Beginning balance	$ 3,145	$ 1,120	$ 136	$ 1,495	$ 365	$ 57	$ 581	$ 197	$ 7,096
Charge-offs	(1,079)	(157)	-	(532)	-	-	(20)	-	(1,788)
Recoveries	47	13	-	64	-	-	-	-	124
Provision (credit)	1,434	245	50	929	24	19	(44)	3	2,660
Ending balance	$ 3,547	$ 1,221	$ 186	$ 1,956	$ 389	$ 76	$ 517	$ 200	$ 8,092

Ending balance: Individually evaluated for impairment	$ 1,844	$ 71	$ -	$ 195	$ -	$ -	$ -	$ -	$ 2,110

Ending balance: Collectively evaluated for impairment	$ 1,703	$ 1,150	$ 186	$ 1,761	$ 389	$ 76	$ 517	$ 200	$ 5,982

Loans:
Ending balance	$ 74,408	$ 166,432	$ 17,978	$ 395,976	$ 778,552	$ 40,799	$ 12,172	$ 10,456	$ 1,496,773

Ending balance: Individually evaluated for impairment	$ 2,972	$ 458	$ -	$ 1,125	$ -	$ -	$ 1,618	$ -	$ 6,173

Ending balance: Collectively evaluated for impairment	$ 71,436	$ 165,974	$ 17,978	$ 394,851	$ 778,552	$ 40,799	$ 10,554	$ 10,456	$ 1,490,600



December 31, 2017
Beginning balance	$ 1,976	$ 737	$ 76	$ 1,994	$ 315	$ 32	$ 975	$ 227	$ 6,332
Charge-offs	(1,171)	-	-	(927)	-	-	(109)	-	(2,207)
Recoveries	19	-	-	8	-	-	24	-	51
Provision (credit)	2,321	383	60	420	50	25	(309)	(30)	2,920
Ending balance	$ 3,145	$ 1,120	$ 136	$ 1,495	$ 365	$ 57	$ 581	$ 197	$ 7,096

Ending balance: Individually evaluated for impairment	$ 1,689	$ 225	$ -	$ -	$ -	$ -	$ -	$ -	$ 1,914

Ending balance: Collectively evaluated for impairment	$ 1,456	$ 895	$ 136	$ 1,495	$ 365	$ 57	$ 581	$ 197	$ 5,182

Loans:
Ending balance	$ 70,379	$ 142,086	$ 16,740	$ 377,660	$ 730,462	$ 30,720	$ 14,133	$ 10,048	$ 1,392,228

Ending balance: Individually evaluated for impairment	$ 2,858	$ 693	$ -	$ 229	$ -	$ -	$ 1,695	$ -	$ 5,475

Ending balance: Collectively evaluated for impairment	$ 67,521	$ 141,393	$ 16,740	$ 377,431	$ 730,462	$ 30,720	$ 12,438	$ 10,048	$ 1,386,753



September 30, 2017
Beginning balance	$ 1,976	$ 737	$ 76	$ 1,994	$ 315	$ 32	$ 975	$ 227	6,332
Charge-offs	(343)	-	-	(780)	-	-	(113)	-	(1,236)
Recoveries	13	-	-	-	-	-	24	-	37
Provision (credit)	1,576	521	22	196	45	36	(220)	(26)	2,150
Ending balance	$ 3,222	$ 1,258	$ 98	$ 1,410	$ 360	$ 68	$ 666	$ 201	$ 7,283

Ending balance: Individually evaluated for impairment	$ 1,659	$ 185	$ -	$ -	$ -	$ -	$ -	$ -	$ 1,844

Ending balance: Collectively evaluated for impairment	$ 1,563	$ 1,073	$ 98	$ 1,410	$ 360	$ 68	$ 666	$ 201	$ 5,439

Loans:
Ending balance	$ 72,055	$ 132,997	$ 14,205	$ 369,069	$ 720,279	$ 36,664	$ 20,107	$ 8,684	$ 1,374,060

Ending balance: Individually evaluated for impairment	$ 2,645	$ 1,226	$ -	$ 284	$ -	$ -	$ 1,700	$ -	$ 5,855

Ending balance: Collectively evaluated for impairment	$ 69,410	$ 131,771	$ 14,205	$ 368,785	$ 720,279	$ 36,664	$ 18,407	$ 8,684	$ 1,368,205

Delinquent Loans By Loan Category



	30-59 Days	60-89 Days	90 Days		Total		Total
September 30, 2018	past due	past due	or greater	Non-accrual	past due	Current	loans
SBA non-real estate	$ 377	$ 258	$ -	$ 2,433	$ 3,068	$ 71,340	$ 74,408
SBA commercial mortgage	-	-	-	458	458	165,974	166,432
SBA construction	-	-	-	-	-	17,978	17,978
Direct lease financing	2,168	802	1,015	-	3,985	391,991	395,976
SBLOC	78	-	-	-	78	778,474	778,552
Other specialty lending	-	-	-	-	-	40,799	40,799
Consumer - other	-	-	-	-	-	4,642	4,642
Consumer - home equity	-	133	-	1,343	1,476	6,054	7,530
Unamortized loan fees and costs	-	-	-	-	-	10,456	10,456
	$ 2,623	$ 1,193	$ 1,015	$ 4,234	$ 9,065	$ 1,487,708	$ 1,496,773



	30-59 Days	60-89 Days	90 Days		Total		Total
December 31, 2017	past due	past due	or greater	Non-accrual	past due	Current	loans
SBA non-real estate	$ 58	$ 268	$ -	$ 1,889	$ 2,215	$ 68,164	$ 70,379
SBA commercial mortgage	-	-	-	693	693	141,393	142,086
SBA construction	-	-	-	-	-	16,740	16,740
Direct lease financing	3,789	2,233	227	-	6,249	371,411	377,660
SBLOC	-	-	-	-	-	730,462	730,462
Other specialty lending	-	-	-	-	-	30,720	30,720
Consumer - other	-	-	-	-	-	4,482	4,482
Consumer - home equity	142	73	-	1,414	1,629	8,022	9,651
Unamortized loan fees and costs	-	-	-	-	-	10,048	10,048
	$ 3,989	$ 2,574	$ 227	$ 3,996	$ 10,786	$ 1,381,442	$ 1,392,228

Loans By Categories



September 30, 2018	Pass	Special mention	Substandard	Doubtful	Loss	Unrated subject to review *	Unrated not subject to review *	Total loans
SBA non-real estate	$ 66,964	$ 2,592	$ 3,873	$ -	$ -	$ 21	$ 958	$ 74,408
SBA commercial mortgage	156,712	274	458	-	-	8,988	-	166,432
SBA construction	17,284	-	694	-	-	-	-	17,978
Direct lease financing	385,640	-	1,839	-	-	-	8,497	395,976
SBLOC	766,143	-	-	-	-	-	12,409	778,552
Other specialty lending	40,789	-	-	-	-	-	10	40,799
Consumer	6,521	-	1,476	-	-	-	4,175	12,172
Unamortized loan fees and costs	-	-	-	-	-	-	10,456	10,456
	$ 1,440,053	$ 2,866	$ 8,340	$ -	$ -	$ 9,009	$ 36,505	$ 1,496,773

December 31, 2017	Pass	Special mention	Substandard	Doubtful	Loss	Unrated subject to review *	Unrated not subject to review *	Total loans
SBA non-real estate	$ 63,547	$ 3,392	$ 3,450	$ -	$ -	$ -	$ (10)	$ 70,379
SBA commercial mortgage	141,084	277	693	-	-	-	32	142,086
SBA construction	16,740	-	-	-	-	-	-	16,740
Direct lease financing	204,906	-	2,895	-	-	8,820	161,039	377,660
SBLOC	357,050	-	-	-	-	-	373,412	730,462
Other specialty lending	30,720	-	-	-	-	-	-	30,720
Consumer	7,910	281	1,947	-	-	-	3,995	14,133
Unamortized loan fees and costs	-	-	-	-	-	-	10,048	10,048
	$ 821,957	$ 3,950	$ 8,985	$ -	$ -	$ 8,820	$ 548,516	$ 1,392,228

* For information on targeted loan review thresholds see “Allowance for Loan Losses ” in the 2017 Form 10-K Report in the loans footnote and in this Form 10-Q in the Management’s Discussion and Analysis of Financial Condition and Results of Operations.