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Allowance For Loan Losses
 12 Months Ended
Dec. 31, 2018
Receivables [Abstract]  
Allowance for Loan Losses
Allowance for Loan Losses
The following table details activity in the Allowance for the periods indicated:
(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 deed of trust
Consumer other
Unallocated
Total
2018
 
 
 
 
 
 
 
 

 
 

Balance, beginning of period

$6,172


$629


$1,566


$2,194


$6,043


$725


$315


$307


$3,510


$21,461

Charge-Offs
(1,716
)
—

—

—

—

(28
)
(143
)
(39
)
—

(1,926
)
Recoveries
442

—

—

—

—

3

12

27

—

484

Provision (benefit)
762

46

(291
)
(167
)
(244
)
16

122

131

(875
)
(500
)
Balance, end of period

$5,660


$675


$1,275


$2,027


$5,799


$716


$306


$426


$2,635


$19,519

Balance, end of period:
 

 

 

 

 

 

 

 

 

Individually evaluated
 

 

 

 

 

 

 

 

 

for impairment

$14


$—


$—


$—


$—


$—


$—


$—


$—


$14

Balance, end of period:
 

 

 

 

 

 

 

 

 

Collectively evaluated
 

 

 

 

 

 

 

 

 

for impairment

$5,646


$675


$1,275


$2,027


$5,799


$716


$306


$426


$2,635


$19,505

2017
 

 

 

 

 

 

 

 

 

 

Balance, beginning of period

$5,535


$550


$1,465


$2,358


$6,853


$819


$313


$408


$1,396


$19,697

Charge-Offs
(1,611
)
—

—

—

—

(5
)
(85
)
(43
)
—

(1,744
)
Recoveries
293

—



—

—

2

2

11

—

308

Provision (benefit)
1,955

79

101

(164
)
(810
)
(91
)
85

(69
)
2,114

3,200

Balance, end of period

$6,172


$629


$1,566


$2,194


$6,043


$725


$315


$307


$3,510


$21,461

Balance, end of period:
 

 

 

 

 

 

 

 

 

Individually evaluated
 

 

 

 

 

 

 

 

 

for impairment

$966


$—


$—


$—


$—


$—


$—


$—


$—


$966

Balance, end of period:
 

 

 

 

 

 

 

 

 

Collectively evaluated
 

 

 

 

 

 

 

 

 

for impairment

$5,206


$629


$1,566


$2,194


$6,043


$725


$315


$307


$3,510


$20,495

2016
 

 
 
 
 
 
 
 
 
 
Balance, beginning of period

$5,906


$854


$1,439


$1,657


$5,515


$628


$264


$397


$1,493


$18,153

Charge-Offs
(903
)
(535
)
—

—

—

—

(36
)
(8
)
—

(1,482
)
Recoveries
699

—

—

—

—

—

—

29

—

728

Provision (benefit)
(167
)
231

26

701

1,338

191

85

(10
)
(97
)
2,298

Balance, end of period

$5,535


$550


$1,465


$2,358


$6,853


$819


$313


$408


$1,396


$19,697

Balance, end of period:
 

 

 

 

 

 

 

 

 

Individually evaluated
 

 

 

 

 

 

 

 

 

for impairment

$614


$—


$—


$—


$—


$—


$—


$—


$—


$614

Balance, end of period:
 

 

 

 

 

 

 

 

 

Collectively evaluated
 

 

 

 

 

 

 

 

 

for impairment

$4,921


$550


$1,465


$2,358


$6,853


$819


$313


$408


$1,396


$19,083


    
The following is a detail of the recorded investment, including unearned origination fees, net of origination costs, in the loan portfolio, segregated by amounts evaluated individually or collectively in the Allowance at the periods indicated:
(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 deed of trust

Consumer other

Total
December 31, 2018
 

 

 

 

 

 

 

 

 
Balance, end of period

$341,091

 

$36,828

 

$71,658

 

$125,795

 

$324,198

 

$41,746

 

$19,234

 

$23,796



$984,346

Balance, end of period:
 

 

 

 

 

 

 

 

 
Individually evaluated
 

 

 

 

 

 

 

 

 
for impairment

$24,189



$—



$—



$5,253



$760



$1,063



$449



$—



$31,714

Balance, end of period:
 

 

 

 

 

 

 

 

 
Collectively evaluated
 

 

 

 

 

 

 

 

 
for impairment

$316,902



$36,828



$71,658



$120,542



$323,438



$40,683



$18,785



$23,796



$952,632

December 31, 2017
 

 

 

 

 

 

 

 

 
Balance, end of period

$312,254

 

$30,955

 

$79,784

 

$131,389

 

$317,808

 

$40,101

 

$22,625

 

$20,037



$954,953

Balance, end of period:
 

 

 

 

 

 

 

 

 
Individually evaluated
 

 

 

 

 

 

 

 

 
for impairment

$26,812



$—



$—



$2,862



$874



$559



$860



$—



$31,967

Balance, end of period:
 

 

 

 

 

 

 

 

 
Collectively evaluated
 

 

 

 

 

 

 

 

 
for impairment

$285,442



$30,955



$79,784



$128,527



$316,934



$39,542



$21,765



$20,037



$922,986


    
The following represents the balance of the Allowance for the periods indicated segregated by segment and class:
(In Thousands)
Total
Commercial
Real estate construction 1-4 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
Unallocated
December 31, 2018
 
 
 
 
 
 
 
 
 
 
Individually evaluated for impairment
 
 
 
 
 
 
 
 
 
AQR Substandard

$14


$14


$—


$—


$—


$—


$—


$—


$—


$—

Collectively evaluated for impairment:
 

 

 

 

 

 

 

 

 

AQR Pass
16,005

5,522

615

1,275

1,958

5,236

683

303

413

—

AQR Special Mention
828

121

60

—

69

563

12

3

—

—

AQR Substandard
37

3

—

—

—

—

21

—

13

—

Unallocated
2,635

—

—

—

—

—

—

—

—

2,635

 

$19,519


$5,660


$675


$1,275


$2,027


$5,799


$716


$306


$426


$2,635

December 31, 2017
 

 

 

 

 

 

 

 

 

 

Individually evaluated for impairment:
 

 

 

 

 

 

 

 

 

AQR Substandard

$966


$966


$—


$—


$—


$—


$—


$—


$—


$—

Collectively evaluated for impairment:
 

 

 

 

 

 

 

 

 

AQR Pass
16,453

5,079

629

1,566

2,154

5,680

725

315

305

—

AQR Special Mention
524

120

—

—

40

363

—

—

1

—

AQR Substandard
8

7

—

—

—

—

—

—

1

—

Unallocated
3,510

—

—

—

—

—

—

—

—

3,510

 

$21,461


$6,172


$629


$1,566


$2,194


$6,043


$725


$315


$307


$3,510