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Commitments and Contingencies
 9 Months Ended
Sep. 30, 2020
Commitments and Contingencies Disclosure [Abstract]  
Commitments and Contingencies Disclosure [Text Block] Commitments and Contingencies
In the ordinary course of business, the Company may enter into various types of transactions that include commitments to extend credit that are not included in its Condensed Consolidated Financial Statements. The Bank applies the same credit standards to these commitments as it uses in all its lending activities and has included these commitments in its lending risk evaluations. The majority of the commitments presented below are variable rate. Loan commitments can be either revolving or nonrevolving. The Bank’s exposure to credit and market risk under commitments to extend credit is represented by the amount of these commitments.
The following table presents outstanding commitments to extend credit, including letters of credit, at the dates indicated:
 September 30, 2020December 31, 2019
 (In thousands)
Commercial business:
Commercial and industrial$637,407 $584,287 
Owner-occupied CRE6,089 17,193 
Non-owner occupied CRE24,863 35,573 
Total commercial business668,359 637,053 
Real estate construction and land development:
One-to-four family residential62,300 75,066 
Five or more family residential and commercial properties
156,629 230,343 
Total real estate construction and land development218,929 305,409 
Consumer255,011 269,898 
Total outstanding commitments$1,142,299 $1,212,360 

Upon CECL adoption, as described in Note (1) Description of Business, Basis of Presentation, Significant Accounting Policies and Recently Issued Accounting Pronouncements, the Company recorded an increase in the beginning ACL on unfunded commitments of $3.7 million, representing the change in methodology from an estimate of incurred losses at the balance sheet date, with an estimated probability of funding, to an estimate of losses on future utilization over the entire contractual period.
The following table details the activity in the ACL on unfunded commitments during the three and nine months ended September 30, 2020 and 2019:
Three Months EndedNine months ended
September 30,
2020		September 30,
2019		September 30,
2020		September 30,
2019
(In thousands)
Balance, beginning of period$4,612 $306 $306 $306 
Impact of CECL Adoption— — 3,702 — 
Adjusted balance, beginning of period4,612 306 4,008 306 
Provision for credit losses on unfunded commitments410 — 1,014 — 
Balance, end of period$5,022 $306 $5,022 $306