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Loans and Credit Quality (Tables) | 3 Months Ended
--- | ---
Mar. 31, 2018
Receivables [Abstract] |
Loan Portfolio Segmented by Risk Class | The following table presents total portfolio loans by portfolio segment and class of financing receivable, based on the Company's asset quality rating ("AQR") criteria:
(In Thousands) | Commercial |  | Real estate construction one-to-four family |  | Real estate construction other |  | Real estate term owner occupied |  | Real estate term non-owner occupied |  | Real estate term other |  | Consumer secured by 1st deeds of trust |  | Consumer other |  | Total
March 31, 2018 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
AQR Pass |  | $278,743 |  |  |  | $30,310 |  |  |  | $54,947 |  |  |  | $125,930 |  |  |  | $328,144 |  |  |  | $55,081 |  |  |  | $21,227 |  |  |  | $19,914 |  |  |  | $914,296 |
AQR Special Mention | 6,101 |  |  | — |  |  | — |  |  | 2,052 |  |  | 11,000 |  |  | 1,213 |  |  | 138 |  |  | 20 |  |  | 20,524 |
AQR Substandard | 31,168 |  |  | — |  |  | — |  |  | 4,607 |  |  | 477 |  |  | — |  |  | 531 |  |  | 11 |  |  | 36,794 |
AQR Doubtful | 69 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 69 |
Subtotal |  | $316,081 |  |  |  | $30,310 |  |  |  | $54,947 |  |  |  | $132,589 |  |  |  | $339,621 |  |  |  | $56,294 |  |  |  | $21,896 |  |  |  | $19,945 |  |  |  | $971,683 |
Less: Unearned origination fees, net of origination costs |  |  |  |  |  | (4,108 | )
Total loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $967,575 |
December 31, 2017 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
AQR Pass |  | $277,371 |  |  |  | $31,201 |  |  |  | $80,093 |  |  |  | $127,059 |  |  |  | $307,780 |  |  |  | $39,777 |  |  |  | $21,846 |  |  |  | $19,895 |  |  |  | $905,022 |
AQR Special Mention | 4,921 |  |  | — |  |  | — |  |  | 2,095 |  |  | 11,051 |  |  | 634 |  |  | 3 |  |  | 22 |  |  | 18,726 |
AQR Substandard | 31,222 |  |  | — |  |  | — |  |  | 2,888 |  |  | 482 |  |  | — |  |  | 767 |  |  | 2 |  |  | 35,361 |
Subtotal |  | $313,514 |  |  |  | $31,201 |  |  |  | $80,093 |  |  |  | $132,042 |  |  |  | $319,313 |  |  |  | $40,411 |  |  |  | $22,616 |  |  |  | $19,919 |  |  |  | $959,109 |
Less: Unearned origination fees, net of origination costs |  |  |  |  |  | (4,156 | )
Total loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $954,953 |
Nonaccrual Loans by Segment | Nonaccrual loans at the periods indicated are presented below by segment:
(In Thousands) | 30-59 Days Past Due |  | 60-89 Days Past Due |  | Greater Than 90 Days Past Due |  | Current |  | Total
March 31, 2018 |  |  |  |  |  |  |  |  |
Commercial |  | $15 |  |  |  | $— |  |  |  | $1,933 |  |  |  | $15,320 |  |  |  | $17,268 |
Real estate term owner occupied | — |  |  | — |  |  | 1,331 |  |  | — |  |  | 1,331 |
Consumer secured by 1st deeds of trust | — |  |  | — |  |  | 285 |  |  | — |  |  | 285 |
Consumer other | — |  |  | — |  |  | 11 |  |  | — |  |  | 11 |
Total nonperforming loans | 15 |  |  | — |  |  | 3,560 |  |  | 15,320 |  |  | 18,895 |
Government guarantees on nonaccrual loans | — |  |  | — |  |  | (73 | ) |  | (339 | ) |  | (412 | )
Net nonaccrual loans |  | $15 |  |  |  | $— |  |  |  | $3,487 |  |  |  | $14,981 |  |  |  | $18,483 |
December 31, 2017 |  |  |  |  |  |  |  |  |
Commercial |  | $810 |  |  |  | $— |  |  |  | $2,652 |  |  |  | $16,455 |  |  |  | $19,917 |
Real estate term owner occupied | — |  |  | — |  |  | — |  |  | 1,331 |  |  | 1,331 |
Consumer secured by 1st deeds of trust | — |  |  | — |  |  | 378 |  |  | — |  |  | 378 |
Total nonperforming loans | 810 |  |  | — |  |  | 3,030 |  |  | 17,786 |  |  | 21,626 |
Government guarantees on nonaccrual loans | — |  |  | — |  |  | (94 | ) |  | (373 | ) |  | (467 | )
Net nonaccrual loans |  | $810 |  |  |  | $— |  |  |  | $2,936 |  |  |  | $17,413 |  |  |  | $21,159 |
Past Due Loans and Nonaccrual Loans | Past due loans and nonaccrual loans at the periods indicated are presented below by segment:
(In Thousands) | 30-59 Days Past Due Still Accruing |  | 60-89 Days Past Due Still Accruing |  | Greater Than 90 Days Still Accruing |  | Total Past Due |  | Nonaccrual |  | Current |  | Total
March 31, 2018 |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial |  | $5,506 |  |  |  | $223 |  |  |  | $— |  |  |  | $5,729 |  |  |  | $17,268 |  |  |  | $293,084 |  |  |  | $316,081 |
Real estate construction one-to-four family | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 30,310 |  |  | 30,310 |
Real estate construction other | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 54,947 |  |  | 54,947 |
Real estate term owner occupied | 1,914 |  |  | — |  |  | — |  |  | 1,914 |  |  | 1,331 |  |  | 129,344 |  |  | 132,589 |
Real estate term non-owner occupied | 645 |  |  | — |  |  | — |  |  | 645 |  |  | — |  |  | 338,976 |  |  | 339,621 |
Real estate term other | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 56,294 |  |  | 56,294 |
Consumer secured by 1st deed of trust | 468 |  |  | — |  |  | — |  |  | 468 |  |  | 285 |  |  | 21,143 |  |  | 21,896 |
Consumer other | 64 |  |  | 64 |  |  | 84 |  |  | 212 |  |  | 11 |  |  | 19,722 |  |  | 19,945 |
Subtotal |  | $8,597 |  |  |  | $287 |  |  |  | $84 |  |  |  | $8,968 |  |  |  | $18,895 |  |  |  | $943,820 |  |  |  | $971,683 |
Less: Unearned origination fees, net of origination costs |  |  |  |  |  |  |  |  |  | (4,108 | )
Total |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $967,575 |
December 31, 2017 |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial |  | $503 |  |  |  | $— |  |  |  | $240 |  |  |  | $743 |  |  |  | $19,917 |  |  |  | $292,854 |  |  |  | $313,514 |
Real estate construction one-to-four family | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 31,201 |  |  | 31,201 |
Real estate construction other | 90 |  |  | — |  |  | — |  |  | 90 |  |  | — |  |  | 80,003 |  |  | 80,093 |
Real estate term owner occupied | 966 |  |  | — |  |  | — |  |  | 966 |  |  | 1,331 |  |  | 129,745 |  |  | 132,042 |
Real estate term non-owner occupied | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 319,313 |  |  | 319,313 |
Real estate term other | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 40,411 |  |  | 40,411 |
Consumer secured by 1st deed of trust | 363 |  |  | — |  |  | — |  |  | 363 |  |  | 378 |  |  | 21,875 |  |  | 22,616 |
Consumer other | 161 |  |  | 53 |  |  | 12 |  |  | 226 |  |  | — |  |  | 19,693 |  |  | 19,919 |
Subtotal |  | $2,083 |  |  |  | $53 |  |  |  | $252 |  |  |  | $2,388 |  |  |  | $21,626 |  |  |  | $935,095 |  |  |  | $959,109 |
Less: Unearned origination fees, net of origination costs |  |  |  |  |  |  |  |  |  | (4,156 | )
Total |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $954,953 |
Impaired Loans | The following table presents information about impaired loans by class as of the periods indicated:
(In Thousands) | Recorded Investment |  | Unpaid Principal Balance |  | Related Allowance
March 31, 2018 |  |  |  |  |
With no related allowance recorded |  |  |  |  |
Commercial - AQR special mention |  | $2,233 |  |  |  | $2,233 |  |  |  | $— |
Commercial - AQR substandard | 17,271 |  |  | 19,306 |  |  | — |
Real estate term owner occupied- AQR substandard | 4,584 |  |  | 4,584 |  |  | — |
Real estate term non-owner occupied- AQR pass | 295 |  |  | 295 |  |  | — |
Real estate term non-owner occupied- AQR special mention | 89 |  |  | 89 |  |  | — |
Real estate term non-owner occupied- AQR substandard | 477 |  |  | 477 |  |  | — |
Real estate term other - AQR pass | 541 |  |  | 541 |  |  | — |
Consumer secured by 1st deeds of trust - AQR pass | 135 |  |  | 135 |  |  | — |
Consumer secured by 1st deeds of trust - AQR substandard | 246 |  |  | 246 |  |  | — |
Subtotal |  | $25,871 |  |  |  | $27,906 |  |  |  | $— |
With an allowance recorded |  |  |  |  |
Commercial - AQR substandard |  | $7,073 |  |  |  | $7,073 |  |  |  | $316 |
Commercial - AQR doubtful | 54 |  |  | 54 |  |  | 54 |
Consumer secured by 1st deeds of trust - AQR substandard | 241 |  |  | 294 |  |  | 2 |
Subtotal |  | $7,368 |  |  |  | $7,421 |  |  |  | $372 |
Total |  |  |  |  |
Commercial - AQR special mention |  | $2,233 |  |  |  | $2,233 |  |  |  | $— |
Commercial - AQR substandard | 24,344 |  |  | 26,379 |  |  | 316 |
Commercial - AQR doubtful | 54 |  |  | 54 |  |  | 54 |
Real estate term owner-occupied - AQR substandard | 4,584 |  |  | 4,584 |  |  | — |
Real estate term non-owner occupied - AQR pass | 295 |  |  | 295 |  |  | — |
Real estate term non-owner occupied - AQR special mention | 89 |  |  | 89 |  |  | — |
Real estate term non-owner occupied - AQR substandard | 477 |  |  | 477 |  |  | — |
Real estate term other - AQR pass | 541 |  |  | 541 |  |  | — |
Consumer secured by 1st deeds of trust - AQR pass | 135 |  |  | 135 |  |  | — |
Consumer secured by 1st deeds of trust - AQR substandard | 487 |  |  | 540 |  |  | 2 |
Total |  | $33,239 |  |  |  | $35,327 |  |  |  | $372 |
(In Thousands) | Recorded Investment |  | Unpaid Principal Balance |  | Related Allowance
December 31, 2017 |  |  |  |  |
With no related allowance recorded |  |  |  |  |
Commercial - AQR special mention |  | $2,153 |  |  |  | $2,153 |  |  |  | $— |
Commercial - AQR substandard | 16,671 |  |  | 17,742 |  |  | — |
Real estate term owner occupied - AQR substandard | 2,862 |  |  | 2,862 |  |  | — |
Real estate term non-owner occupied - AQR pass | 303 |  |  | 303 |  |  | — |
Real estate term non-owner occupied - AQR special mention | 89 |  |  | 89 |  |  | — |
Real estate term non-owner occupied - AQR substandard | 482 |  |  | 482 |  |  | — |
Real estate term other - AQR pass | 559 |  |  | 559 |  |  | — |
Consumer secured by 1st deeds of trust - AQR pass | 136 |  |  | 136 |  |  | — |
Consumer secured by 1st deeds of trust - AQR substandard | 724 |  |  | 809 |  |  | — |
Subtotal |  | $23,979 |  |  |  | $25,135 |  |  |  | $— |
With an allowance recorded |  |  |  |  |
Commercial - AQR substandard |  | $7,988 |  |  |  | $7,988 |  |  |  | $966 |
Subtotal |  | $7,988 |  |  |  | $7,988 |  |  |  | $966 |
Total |  |  |  |  |
Commercial - AQR special mention |  | $2,153 |  |  |  | $2,153 |  |  |  | $— |
Commercial - AQR substandard | 24,659 |  |  | 25,730 |  |  | 966 |
Real estate term owner occupied - AQR substandard | 2,862 |  |  | 2,862 |  |  | — |
Real estate term non-owner occupied - AQR pass | 303 |  |  | 303 |  |  | — |
Real estate term non-owner occupied - AQR special mention | 89 |  |  | 89 |  |  | — |
Real estate term non-owner occupied - AQR substandard | 482 |  |  | 482 |  |  | — |
Real estate term other - AQR pass | 559 |  |  | 559 |  |  | — |
Consumer secured by 1st deeds of trust - AQR pass | 136 |  |  | 136 |  |  | — |
Consumer secured by 1st deeds of trust - AQR substandard | 724 |  |  | 809 |  |  | — |
Total |  | $31,967 |  |  |  | $33,123 |  |  |  | $966 |
The following tables summarize our average recorded investment and interest income recognized on impaired loans for the three month periods ended March 31, 2018 and 2017:
Three Months Ended March 31, | 2018 |  | 2017
(In Thousands) | Average Recorded Investment | Interest Income Recognized | Average Recorded Investment | Interest Income Recognized
With no related allowance recorded |  |  |  |  |  |  |
Commercial - AQR special mention |  | $2,242 |  |  |  | $31 |  |  |  | $52 |  |  |  | $1 |
Commercial - AQR substandard | 18,549 |  |  | 85 |  |  | 17,544 |  |  | 76 |
Real estate term owner occupied- AQR pass | — |  |  | — |  |  | 250 |  |  | 5 |
Real estate term owner occupied- AQR substandard | 4,592 |  |  | 24 |  |  | 5,325 |  |  | 84 |
Real estate term non-owner occupied- AQR pass | 299 |  |  | 5 |  |  | 384 |  |  | 14 |
Real estate term non-owner occupied- AQR substandard | 480 |  |  | 7 |  |  | 696 |  |  | 20 |
Real estate term other - AQR pass | 550 |  |  | 10 |  |  | 624 |  |  | 11 |
Real estate term other - AQR substandard | — |  |  | — |  |  | 663 |  |  | 11 |
Consumer secured by 1st deeds of trust - AQR special mention | — |  |  | — |  |  | 142 |  |  | 3 |
Consumer secured by 1st deeds of trust - AQR substandard | 248 |  |  | 4 |  |  | 455 |  |  | 3 |
Consumer other - AQR substandard | — |  |  | — |  |  | 52 |  |  | 1 |
Subtotal |  | $27,185 |  |  |  | $171 |  |  |  | $26,187 |  |  |  | $229 |
With an allowance recorded |  |  |  |  |  |  |
Commercial - AQR substandard |  | $7,205 |  |  |  | $— |  |  |  | $11,285 |  |  |  | $— |
Commercial - AQR doubtful | 55 |  |  | — |  |  | — |  |  | — |
Consumer secured by 1st deeds of trust - AQR substandard | 242 |  |  | — |  |  | — |  |  | — |
Subtotal |  | $7,502 |  |  |  | $— |  |  |  | $11,285 |  |  |  | $— |
Total |  |  |  |  |  |  |
Commercial - AQR special mention |  | $2,242 |  |  |  | $31 |  |  |  | $52 |  |  |  | $1 |
Commercial - AQR substandard | 25,754 |  |  | 85 |  |  | 28,829 |  |  | 76 |
Real estate construction one-to-four family - AQR substandard | — |  |  | — |  |  | — |  |  | — |
Real estate construction other - AQR substandard | — |  |  | — |  |  | — |  |  | — |
Real estate term owner-occupied - AQR pass | — |  |  | — |  |  | 250 |  |  | 5 |
Real estate term owner-occupied - AQR substandard | 4,592 |  |  | 24 |  |  | 5,325 |  |  | 84 |
Real estate term non-owner occupied - AQR pass | 299 |  |  | 5 |  |  | 384 |  |  | 14 |
Real estate term non-owner occupied - AQR substandard | 480 |  |  | 7 |  |  | 696 |  |  | 20 |
Real estate term other - AQR pass | 550 |  |  | 10 |  |  | 624 |  |  | 11 |
Real estate term other - AQR substandard | — |  |  | — |  |  | 663 |  |  | 11 |
Consumer secured by 1st deeds of trust - AQR special mention | — |  |  | — |  |  | 142 |  |  | 3 |
Consumer secured by 1st deeds of trust - AQR substandard | 490 |  |  | 4 |  |  | 455 |  |  | 3 |
Total Impaired Loans |  | $34,687 |  |  |  | $171 |  |  |  | $37,472 |  |  |  | $229 |
Restructured Loans | The following table presents the breakout between newly restructured loans that occurred during the three months ended March 31, 2018 and restructured loans that occurred prior to 2018 that are still included in portfolio loans:
| Accrual Status |  | Nonaccrual Status |  | Total Modifications
(In Thousands) |  |
New Troubled Debt Restructurings |  |  |  |  |
Commercial - AQR substandard |  | $1,179 |  |  |  | $559 |  |  |  | $1,738 |
Real estate term owner occupied- AQR substandard | 363 |  |  | 1,331 |  |  | 1,694 |
Subtotal |  | $1,542 |  |  |  | $1,890 |  |  |  | $3,432 |
Existing Troubled Debt Restructurings |  | $7,620 |  |  |  | $14,476 |  |  |  | $22,096 |
Total |  | $9,162 |  |  |  | $16,366 |  |  |  | $25,528 |
Newly Restructured Loans by Concession | The following table presents newly restructured loans that occurred during the three months ended March 31, 2018, by concession (terms modified):
|  |  | March 31, 2018
| Number of Contracts |  | Rate Modification |  | Term Modification |  | Payment Modification |  | Combination Modification |  | Total Modifications
(In Thousands) |  |  |  |  |
Pre-Modification Outstanding Recorded Investment: |  |  |  |  |  |  |  |  |  |  |
Commercial - AQR substandard | 4 |  |  | $— |  |  |  | $— |  |  |  | $2,704 |  |  |  | $— |  |  |  | $2,704 |
Real estate term owner occupied- AQR substandard | 2 |  | — |  |  | — |  |  | 1,694 |  |  | — |  |  | 1,694 |
Total | 6 |  |  | $— |  |  |  | $— |  |  |  | $4,398 |  |  |  | $— |  |  |  | $4,398 |
Post-Modification Outstanding Recorded Investment: |  |  |  |  |  |  |  |  |  |  |
Commercial - AQR substandard | 4 |  |  | $— |  |  |  | $— |  |  |  | $1,738 |  |  |  | $— |  |  |  | $1,738 |
Real estate term owner occupied- AQR substandard | 2 |  | — |  |  | — |  |  | 1,694 |  |  | — |  |  | 1,694 |
Total | 6 |  |  | $— |  |  |  | $— |  |  |  | $3,432 |  |  |  | $— |  |  |  | $3,432 |

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- Definition Tabular disclosure of financing receivables by credit quality indicator. The credit quality indicator is a statistic about the credit quality of financing receivables. Examples include, but not limited to, consumer credit risk scores, credit-rating-agency ratings, an entity's internal credit risk grades, loan-to-value ratios, collateral, collection experience and other internal metrics. + References Reference 1: http://www.xbrl.org/2003/role/presentationRef -Publisher FASB -Name Accounting Standards Codification -Topic 310 -SubTopic 10 -Section 55 -Paragraph 19 -URI http://asc.fasb.org/extlink&oid=82894031&loc=SL6953803-111525 Reference 2: http://www.xbrl.org/2003/role/presentationRef -Publisher FASB -Name Accounting Standards Codification -Topic 310 -SubTopic 10 -Section 50 -Paragraph 29 -URI http://asc.fasb.org/extlink&oid=84173941&loc=SL6953659-111524 + Details
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- Definition Tabular disclosure of financing receivables that are past due but not impaired, financing receivables that are 90 days past due and still accruing, and financing receivables on nonaccrual status. + References Reference 1: http://www.xbrl.org/2003/role/presentationRef -Publisher FASB -Name Accounting Standards Codification -Topic 310 -SubTopic 10 -Section 50 -Paragraph 7 -URI http://asc.fasb.org/extlink&oid=84173941&loc=d3e5111-111524 Reference 2: http://www.xbrl.org/2003/role/presentationRef -Publisher FASB -Name Accounting Standards Codification -Topic 310 -SubTopic 10 -Section 50 -Paragraph 7A -URI http://asc.fasb.org/extlink&oid=84173941&loc=SL6953401-111524 + Details
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