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Loans and Allowance for Loan Losses (Tables) | 9 Months Ended
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Sep. 30, 2016
Receivables [Abstract] |
Past Due Financing Receivables | Outstanding loans by class and payment aging as of September 30, 2016 and December 31, 2015 were as follows:
Loan Aging Analysis by Loan Class
(in thousands) | Commercial and industrial |  | Commercial real estate, owner-occupied |  | Commercial real estate, investor |  | Construction |  | Home equity |  | Other residential 1 |  | Installment and other consumer |  | Total |
September 30, 2016 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
30-59 days past due | $ | 2 |  | $ | 135 |  | $ | — |  | $ | — |  | $ | 90 |  | $ | — |  | $ | 83 |  | $ | 310 |
60-89 days past due | — |  | — |  | — |  | — |  | — |  | — |  | — |  | — |
90 days or more past due | 44 |  | 176 |  | — |  | — |  | 99 |  | — |  | — |  | 319 |
Total past due | 46 |  | 311 |  | — |  | — |  | 189 |  | — |  | 83 |  | 629 |
Current | 221,161 |  | 237,227 |  | 715,051 |  | 80,491 |  | 111,022 |  | 77,769 |  | 24,313 |  | 1,467,034 |
Total loans 3 | $ | 221,207 |  | $ | 237,538 |  | $ | 715,051 |  | $ | 80,491 |  | $ | 111,211 |  | $ | 77,769 |  | $ | 24,396 |  | $ | 1,467,663 |
Non-accrual 2 | $ | 44 |  | $ | 176 |  | $ | — |  | $ | — |  | $ | 260 |  | $ | — |  | $ | 60 |  | $ | 540 |
December 31, 2015 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
30-59 days past due | $ | 36 |  | $ | — |  | $ | 1,096 |  | $ | 1 |  | $ | — |  | $ | — |  | $ | 249 |  | $ | 1,382 |
60-89 days past due | — |  | — |  | — |  | — |  | 633 |  | — |  | 89 |  | 722 |
90 days or more past due | 21 |  | — |  | — |  | — |  | 99 |  | — |  | — |  | 120 |
Total past due | 57 |  | — |  | 1,096 |  | 1 |  | 732 |  | — |  | 338 |  | 2,224 |
Current | 219,395 |  | 242,309 |  | 714,783 |  | 65,494 |  | 111,568 |  | 73,154 |  | 22,301 |  | 1,449,004 |
Total loans 3 | $ | 219,452 |  | $ | 242,309 |  | $ | 715,879 |  | $ | 65,495 |  | $ | 112,300 |  | $ | 73,154 |  | $ | 22,639 |  | $ | 1,451,228 |
Non-accrual 2 | $ | 21 |  | $ | — |  | $ | 1,903 |  | $ | 1 |  | $ | 171 |  | $ | — |  | $ | 83 |  | $ | 2,179 |
1 Our residential loan portfolio does not include sub-prime loans, nor is it our practice to underwrite loans commonly referred to as "Alt-A mortgages", the characteristics of which are loans lacking full documentation, borrowers having low FICO scores or higher loan-to-value ratios. 2 Amounts include $1 thousand of purchased credit impaired ("PCI") loans that had stopped accreting interest at December 31, 2015. Amounts exclude accreting PCI loans of $2.9 million and $3.7 million at September 30, 2016 and December 31, 2015, respectively, as we have a reasonable expectation about future cash flows to be collected and we continue to recognize accretable yield on these loans in interest income. These accreting PCI loans are included in current loans. There were no accruing loans more than ninety days past due at September 30, 2016 or December 31, 2015. 3 Amounts include net deferred loan costs of $869 thousand and $768 thousand at September 30, 2016 and December 31, 2015, respectively. Amounts are also net of unaccreted purchase discounts on non-PCI loans of $1.9 million and $3.2 million at September 30, 2016 and December 31, 2015, respectively.
Financing Receivable Credit Quality Indicators | The following table represents an analysis of loans by internally assigned grades, including the PCI loans, at September 30, 2016 and December 31, 2015:
Credit Risk Profile by Internally Assigned Grade
(in thousands) | Commercial and industrial |  | Commercial real estate, owner-occupied |  | Commercial real estate, investor |  | Construction |  | Home equity |  | Other residential |  | Installment and other consumer |  | Purchased credit-impaired |  | Total |
September 30, 2016 |  |  |  |  |  |  |  |  |
Pass | $ | 203,784 |  | $ | 224,502 |  | $ | 711,192 |  | $ | 77,253 |  | $ | 108,908 |  | $ | 77,769 |  | $ | 23,976 |  | $ | 2,874 |  | $ | 1,430,258 |
Special Mention | 8,859 |  | 4,478 |  | 356 |  | — |  | 1,120 |  | — |  | — |  | — |  | 14,813 |
Substandard | 8,524 |  | 7,505 |  | 1,793 |  | 3,238 |  | 1,112 |  | — |  | 420 |  | — |  | 22,592 |
Total loans | $ | 221,167 |  | $ | 236,485 |  | $ | 713,341 |  | $ | 80,491 |  | $ | 111,140 |  | $ | 77,769 |  | $ | 24,396 |  | $ | 2,874 |  | $ | 1,467,663 |
December 31, 2015 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | $ | 192,560 |  | $ | 219,060 |  | $ | 710,042 |  | $ | 62,255 |  | $ | 109,959 |  | $ | 73,154 |  | $ | 22,307 |  | $ | 3,260 |  | $ | 1,392,597 |
Special Mention | 22,457 |  | 12,371 |  | 372 |  | — |  | 1,100 |  | — |  | — |  | — |  | 36,300 |
Substandard | 4,260 |  | 9,167 |  | 3,739 |  | 3,239 |  | 1,173 |  | — |  | 332 |  | 421 |  | 22,331 |
Total loans | $ | 219,277 |  | $ | 240,598 |  | $ | 714,153 |  | $ | 65,494 |  | $ | 112,232 |  | $ | 73,154 |  | $ | 22,639 |  | $ | 3,681 |  | $ | 1,451,228 |
Troubled Debt Restructurings on Financing Receivables | The table below summarizes outstanding TDR loans by loan class as of September 30, 2016 and December 31, 2015. The summary includes both TDRs that are on non-accrual status and those that continue to accrue interest.
(in thousands) |
Recorded investment in Troubled Debt Restructurings 1 | September 30, 2016 |  | December 31, 2015 |
Commercial and industrial | $ | 2,964 |  | $ | 4,698 |
Commercial real estate, owner-occupied | 6,993 |  | 6,993 |
Commercial real estate, investor | 2,299 |  | 514 |
Construction 2 | 3,238 |  | 3,238 |
Home equity | 696 |  | 460 |
Other residential | 1,974 |  | 2,010 |
Installment and other consumer | 1,024 |  | 1,168 |
Total | $ | 19,188 |  | $ | 19,081 |
1 Includes $19.1 million and $19.0 million of TDR loans that were accruing interest as of September 30, 2016 and December 31, 2015, respectively. Includes no acquired loans at September 30, 2016 and $137 thousand of acquired loans at December 31, 2015. 2 In June 2015, one TDR loan was transferred to loans held-for-sale at fair value totaling $1.5 million, net of an $839 thousand charge-off to the allowance for loan losses. The loan was subsequently sold in June 2015 for no additional gain or loss. The table below presents the following information for loans modified in a TDR during the presented periods: number of contracts modified, the recorded investment in the loans prior to modification, and the recorded investment in the loans after being restructured. The table below excludes fully charged-off TDR loans and loans modified in a TDR and subsequently paid-off during the years presented.
(dollars in thousands) | Number of Contracts Modified |  | Pre-Modification Outstanding Recorded Investment |  | Post-Modification Outstanding Recorded Investment |  | Post-Modification Outstanding Recorded Investment at Period End |
Troubled Debt Restructurings during the three months ended September 30, 2016: |  |  |  |
None | — |  | $ | — |  | $ | — |  | $ | — |
Troubled Debt Restructurings during the three months ended September 30, 2015: |  |  |  |  |  |  |  |
Commercial and industrial | 1 |  | $ | 700 |  | $ | 700 |  | $ | 700 |
Troubled Debt Restructurings during the nine months ended September 30, 2016: |  |  |  |
Commercial real estate, investor | 2 |  | $ | 1,830 |  | $ | 1,826 |  | $ | 1,808 |
Home equity 1 | 1 |  | 87 |  | 222 |  | 222 |
Total | 3 |  | $ | 1,917 |  | $ | 2,048 |  | $ | 2,030 |
Troubled Debt Restructurings during the nine months ended September 30, 2015: |  |  |  |  |  |  |
Commercial and industrial | 5 |  | $ | 1,482 |  | $ | 1,582 |  | $ | 1,463 |
Commercial real estate, investor | 1 |  | 222 |  | 221 |  | 217 |
Total | 6 |  | $ | 1,704 |  | $ | 1,803 |  | $ | 1,680 |
1 The home equity TDR modification during the second quarter of 2016 included debt consolidation which increased the post-modification balance.
Impaired Financing Receivables | The tables below summarize information on impaired loans and their related allowance. Total impaired loans include non-accrual loans, accruing TDR loans and accreting PCI loans that have experienced post-acquisition declines in cash flows expected to be collected.
(in thousands) | Commercial and industrial |  | Commercial real estate, owner-occupied |  | Commercial real estate, investor |  | Construction |  | Home equity |  | Other residential |  | Installment and other consumer |  | Total |
September 30, 2016 |  |  |  |  |  |  |  |  |  |  |  |  |  |
Recorded investment in impaired loans: |  |  |  |  |  |
With no specific allowance recorded | $ | 1,102 |  | $ | — |  | $ | — |  | $ | 2,688 |  | $ | 260 |  | $ | 1,189 |  | $ | 108 |  | $ | 5,347 |
With a specific allowance recorded | 1,906 |  | 7,169 |  | 2,299 |  | 550 |  | 625 |  | 785 |  | 976 |  | 14,310 |
Total recorded investment in impaired loans | $ | 3,008 |  | $ | 7,169 |  | $ | 2,299 |  | $ | 3,238 |  | $ | 885 |  | $ | 1,974 |  | $ | 1,084 |  | $ | 19,657 |
Unpaid principal balance of impaired loans | $ | 3,008 |  | $ | 7,169 |  | $ | 2,299 |  | $ | 3,238 |  | $ | 885 |  | $ | 1,974 |  | $ | 1,084 |  | $ | 19,657 |
Specific allowance | 569 |  | 108 |  | 474 |  | 5 |  | 34 |  | 59 |  | 94 |  | 1,343 |
Average recorded investment in impaired loans during the quarter ended September 30, 2016 | 3,352 |  | 7,169 |  | 3,146 |  | 3,238 |  | 1,140 |  | 1,981 |  | 1,113 |  | 21,139 |
Interest income recognized on impaired loans during the quarter ended September 30, 2016 1 | 44 |  | 67 |  | 1,385 |  | 32 |  | 38 |  | 22 |  | 12 |  | 1,600 |
Average recorded investment in impaired loans during the nine months ended September 30, 2016 | 3,802 |  | 7,081 |  | 3,397 |  | 3,238 |  | 1,098 |  | 1,993 |  | 1,179 |  | 21,788 |
Interest income recognized on impaired loans during the nine months ended September 30, 2016 1 | 142 |  | 133 |  | 1,489 |  | 105 |  | 48 |  | 67 |  | 37 |  | 2,021 |
Average recorded investment in impaired loans during the quarter ended September 30, 2015 | 4,473 |  | 7,695 |  | 2,886 |  | 3,262 |  | 610 |  | 2,025 |  | 1,439 |  | 22,390 |
Interest income recognized on impaired loans during the quarter ended September 30, 2015 | 58 |  | 84 |  | 10 |  | 22 |  | 5 |  | 23 |  | 15 |  | 217 |
Average recorded investment in impaired loans during the nine months ended September 30, 2015 | 4,121 |  | 8,183 |  | 2,916 |  | 4,473 |  | 616 |  | 2,033 |  | 1,579 |  | 23,921 |
Interest income recognized on impaired loans during the nine months ended September 30, 2015 | 176 |  | 228 |  | 24 |  | 40 |  | 14 |  | 69 |  | 51 |  | 602 |
1 Interest income recognized on a cash basis totaled $1.4 million for the three and nine months ended September 30, 2016 and was primarily related to the interest recovery upon the pay-off of a partially charged off non-accrual commercial real estate loan during the third quarter. No interest interest income on impaired loans was recognized on a cash basis during the three and nine months ended September 30, 2015.
(in thousands) | Commercial and industrial |  | Commercial real estate, owner-occupied |  | Commercial real estate, investor |  | Construction |  | Home equity |  | Other residential |  | Installment and other consumer |  | Total |
December 31, 2015 |  |  |  |  |  |  |  |  |  |  |  |  |  |
Recorded investment in impaired loans: |  |  |  |  |  |  |  |  |  |  |  |
With no specific allowance recorded | $ | 2,198 |  | $ | 4,111 |  | $ | 2,416 |  | $ | 2,687 |  | $ | 171 |  | $ | 1,214 |  | $ | 131 |  | $ | 12,928 |
With a specific allowance recorded | 2,522 |  | 2,882 |  | — |  | 551 |  | 388 |  | 797 |  | 1,120 |  | 8,260 |
Total recorded investment in impaired loans | $ | 4,720 |  | $ | 6,993 |  | $ | 2,416 |  | $ | 3,238 |  | $ | 559 |  | $ | 2,011 |  | $ | 1,251 |  | $ | 21,188 |
Unpaid principal balance of impaired loans | $ | 4,763 |  | $ | 6,993 |  | $ | 4,408 |  | $ | 3,424 |  | $ | 559 |  | $ | 2,011 |  | $ | 1,251 |  | $ | 23,409 |
Specific allowance | $ | 912 |  | $ | 70 |  | $ | — |  | $ | 1 |  | $ | 3 |  | $ | 67 |  | $ | 116 |  | $ | 1,169 |
Allowance for Credit Losses on Financing Receivables | The following tables disclose loans by major portfolio category and activity in the ALLL, as well as the related ALLL disaggregated by impairment evaluation method.
Allowance for Loan Losses Rollforward for the Period
(in thousands) | Commercial and industrial |  | Commercial real estate, owner-occupied |  | Commercial real estate, investor |  | Construction |  | Home equity |  | Other residential |  | Installment and other consumer |  | Unallocated |  | Total |
Three months ended September 30, 2016 |  |  |  |  |  |  |
Allowance for loan losses: |  |  |  |  |  |  |
Beginning balance | $ | 2,637 |  | $ | 1,631 |  | $ | 6,595 |  | $ | 831 |  | $ | 1,076 |  | $ | 426 |  | $ | 437 |  | $ | 1,454 |  | $ | 15,087 |
Provision (reversal) | 828 |  | (10 | ) | (2,416 | ) | 105 |  | (125 | ) | 22 |  | (73 | ) | 119 |  | (1,550 | )
Charge-offs | — |  | — |  | — |  | — |  | — |  | — |  | — |  | — |  | — |
Recoveries | 29 |  | — |  | 2,146 |  | — |  | 1 |  | — |  | — |  | — |  | 2,176 |
Ending balance | $ | 3,494 |  | $ | 1,621 |  | $ | 6,325 |  | $ | 936 |  | $ | 952 |  | $ | 448 |  | $ | 364 |  | $ | 1,573 |  | $ | 15,713 |
Three months ended September 30, 2015 |  |  |  |  |  |  |
Allowance for loan losses: |  |  |  |  |  |  |
Beginning balance | $ | 2,540 |  | $ | 2,052 |  | $ | 5,944 |  | $ | 535 |  | $ | 843 |  | $ | 435 |  | $ | 444 |  | $ | 1,561 |  | $ | 14,354 |
Provision (reversal) | 86 |  | 17 |  | 128 |  | 158 |  | 9 |  | (50 | ) | 32 |  | (380 | ) | — |
Charge-offs | (2 | ) | — |  | — |  | — |  | — |  | — |  | (1 | ) | — |  | (3 | )
Recoveries | 92 |  | — |  | 12 |  | — |  | 1 |  | — |  | 1 |  | — |  | 106 |
Ending balance | $ | 2,716 |  | $ | 2,069 |  | $ | 6,084 |  | $ | 693 |  | $ | 853 |  | $ | 385 |  | $ | 476 |  | $ | 1,181 |  | $ | 14,457 |
Allowance for Loan Losses Rollforward for the Period
(in thousands) | Commercial and industrial |  | Commercial real estate, owner-occupied |  | Commercial real estate, investor |  | Construction |  | Home equity |  | Other residential |  | Installment and other consumer |  | Unallocated |  | Total |
Nine months ended September 30, 2016 |  |  |  |  |  |  |
Allowance for loan losses: |  |  |  |  |  |  |
Beginning balance | $ | 3,023 |  | $ | 2,249 |  | $ | 6,178 |  | $ | 724 |  | $ | 910 |  | $ | 394 |  | $ | 425 |  | $ | 1,096 |  | $ | 14,999 |
Provision (reversal) | 388 |  | (628 | ) | (2,009 | ) | 212 |  | 40 |  | 54 |  | (84 | ) | 477 |  | (1,550 | )
Charge-offs | (9 | ) | — |  | — |  | — |  | — |  | — |  | (4 | ) | — |  | (13 | )
Recoveries | 92 |  | — |  | 2,156 |  | — |  | 2 |  | — |  | 27 |  | — |  | 2,277 |
Ending balance | $ | 3,494 |  | $ | 1,621 |  | $ | 6,325 |  | $ | 936 |  | $ | 952 |  | $ | 448 |  | $ | 364 |  | $ | 1,573 |  | $ | 15,713 |
Nine months ended September 30, 2015 |  |  |  |  |  |  |
Allowance for loan losses: |  |  |  |  |  |  |
Beginning balance | $ | 2,837 |  | $ | 1,924 |  | $ | 6,672 |  | $ | 839 |  | $ | 859 |  | $ | 433 |  | $ | 566 |  | $ | 969 |  | $ | 15,099 |
Provision (reversal) | (306 | ) | 145 |  | (606 | ) | 693 |  | (9 | ) | (48 | ) | (81 | ) | 212 |  | — |
Charge-offs | (5 | ) | — |  | — |  | (839 | ) | — |  | — |  | (12 | ) | — |  | (856 | )
Recoveries | 190 |  | — |  | 18 |  | — |  | 3 |  | — |  | 3 |  | — |  | 214 |
Ending balance | $ | 2,716 |  | $ | 2,069 |  | $ | 6,084 |  | $ | 693 |  | $ | 853 |  | $ | 385 |  | $ | 476 |  | $ | 1,181 |  | $ | 14,457 |
Allowance for Loan Losses and Recorded Investment in Loans
(dollars in thousands) | Commercial and industrial |  | Commercial real estate, owner-occupied |  | Commercial real estate, investor |  | Construction |  | Home equity |  | Other residential |  | Installment and other consumer |  | Unallocated |  | Total |
September 30, 2016
Ending ALLL related to loans collectively evaluated for impairment | $ | 2,925 |  | $ | 1,513 |  | $ | 5,851 |  | $ | 931 |  | $ | 918 |  | $ | 389 |  | $ | 270 |  | $ | 1,573 |  | $ | 14,370 |
Ending ALLL related to loans individually evaluated for impairment | 569 |  | 108 |  | 474 |  | 5 |  | 34 |  | 59 |  | 94 |  | — |  | 1,343 |
Ending ALLL related to purchased credit-impaired loans | — |  | — |  | — |  | — |  | — |  | — |  | — |  | — |  | — |
Total | $ | 3,494 |  | $ | 1,621 |  | $ | 6,325 |  | $ | 936 |  | $ | 952 |  | $ | 448 |  | $ | 364 |  | $ | 1,573 |  | $ | 15,713 |
Loans outstanding: |  |  |  |  |  |  |  |  |  |  |  |  |  |
Collectively evaluated for impairment | $ | 218,159 |  | $ | 229,316 |  | $ | 711,042 |  | $ | 77,253 |  | $ | 110,255 |  | $ | 75,795 |  | $ | 23,312 |  | $ | — |  | $ | 1,445,132 |
Individually evaluated for impairment | 3,008 |  | 7,169 |  | 2,299 |  | 3,238 |  | 885 |  | 1,974 |  | 1,084 |  | — |  | 19,657 |
Purchased credit-impaired | 40 |  | 1,053 |  | 1,710 |  | — |  | 71 |  | — |  | — |  | — |  | 2,874 |
Total | $ | 221,207 |  | $ | 237,538 |  | $ | 715,051 |  | $ | 80,491 |  | $ | 111,211 |  | $ | 77,769 |  | $ | 24,396 |  | $ | — |  | $ | 1,467,663 |
Ratio of allowance for loan losses to total loans | 1.58 | % | 0.68 | % | 0.88 | % | 1.16 | % | 0.86 | % | 0.58 | % | 1.49 | % | NM |  | 1.07 | %
Allowance for loan losses to non-accrual loans | 7,941 | % | 921 | % | NM |  | NM |  | 366 | % | NM |  | 607 | % | NM |  | 2,910 | %
NM - Not Meaningful
Allowance for Loan Losses and Recorded Investment in Loans
(dollars in thousands) | Commercial and industrial |  | Commercial real estate, owner-occupied |  | Commercial real estate, investor |  | Construction |  | Home equity |  | Other residential |  | Installment and other consumer |  | Unallocated |  | Total |
December 31, 2015
Ending ALLL related to loans collectively evaluated for impairment | $ | 2,111 |  | $ | 2,179 |  | $ | 6,178 |  | $ | 723 |  | $ | 907 |  | $ | 327 |  | $ | 309 |  | $ | 1,096 |  | $ | 13,830 |
Ending ALLL related to loans individually evaluated for impairment | 904 |  | 70 |  | — |  | — |  | 3 |  | 67 |  | 116 |  | — |  | 1,160 |
Ending ALLL related to purchased credit-impaired loans | 8 |  | — |  | — |  | 1 |  | — |  | — |  | — |  | — |  | 9 |
Total | $ | 3,023 |  | $ | 2,249 |  | $ | 6,178 |  | $ | 724 |  | $ | 910 |  | $ | 394 |  | $ | 425 |  | $ | 1,096 |  | $ | 14,999 |
Loans outstanding: |  |  |  |  |  |  |  |  |  |  |  |  |  |
Collectively evaluated for impairment | $ | 214,695 |  | $ | 233,605 |  | $ | 711,737 |  | $ | 62,256 |  | $ | 111,673 |  | $ | 71,143 |  | $ | 21,388 |  | $ | — |  | $ | 1,426,497 |
Individually evaluated for impairment 1 | 4,582 |  | 6,993 |  | 2,416 |  | 3,238 |  | 559 |  | 2,011 |  | 1,251 |  | — |  | 21,050 |
Purchased credit-impaired | 175 |  | 1,711 |  | 1,726 |  | 1 |  | 68 |  | — |  | — |  | — |  | 3,681 |
Total | $ | 219,452 |  | $ | 242,309 |  | $ | 715,879 |  | $ | 65,495 |  | $ | 112,300 |  | $ | 73,154 |  | $ | 22,639 |  | $ | — |  | $ | 1,451,228 |
Ratio of allowance for loan losses to total loans | 1.38 | % | 0.93 | % | 0.86 | % | 1.11 | % | 0.81 | % | 0.54 | % | 1.88 | % | NM |  | 1.03 | %
Allowance for loan losses to non-accrual loans | 14,395 | % | NM |  | 325 | % | 72,400 | % | 532 | % | NM |  | 512 | % | NM |  | 688 | %
1 Total excludes $138 thousand PCI loans as of December 31, 2015 that have experienced credit deterioration post-acquisition declines in cash flows expected to be collected. These loans are included in the "purchased credit-impaired" amount in the next line below. NM - Not Meaningful
Certain Loans Acquired in Transfer Not Accounted for as Debt Securities Acquired During Period | The following table presents the outstanding balances and related carrying values of PCI loans as of September 30, 2016 and December 31, 2015.
| September 30, 2016 | December 31, 2015
PCI Loans (in thousands) | Unpaid principal balance |  | Carrying value |  | Unpaid principal balance |  | Carrying value |
Commercial and industrial | $ | 47 |  | $ | 40 |  | $ | 237 |  | $ | 175 |
Commercial real estate | 3,080 |  | 2,763 |  | 4,329 |  | 3,437 |
Construction | — |  | — |  | 187 |  | 1 |
Home equity | 220 |  | 71 |  | 224 |  | 68 |
Total purchased credit-impaired loans | $ | 3,347 |  | $ | 2,874 |  | $ | 4,977 |  | $ | 3,681 |
Accretable Yield Activity | The activities in the accretable yield, or income expected to be earned, for PCI loans were as follows:
Accretable Yield | Three months ended | Nine months ended
(in thousands) | September 30, 2016 | September 30, 2015 | September 30, 2016 | September 30, 2015
Balance at beginning of period | $ | 1,655 |  | $ | 3,711 |  | $ | 2,618 |  | $ | 4,027 |
Removals 1 | — |  | (837 | ) | (778 | ) | (914 | )
Accretion | (89 | ) | (128 | ) | (274 | ) | (367 | )
Reclassifications from nonaccretable difference 2 | — |  | — |  | — |  | — |
Balance at end of period | $ | 1,566 |  | $ | 2,746 |  | $ | 1,566 |  | $ | 2,746 |
1 Represents the accretable difference that is relieved when a loan exits the PCI population due to pay-off, full charge-off, or transfer to repossessed assets, etc. 2 Primarily relates to changes in expected credit performance and changes in expected timing of cash flows.

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- Definition Tabular disclosure of financing receivables (examples of financing receivables include loans, trade accounts receivable and notes receivable) and activity in the allowance for credit losses account. + References Reference 1: http://www.xbrl.org/2003/role/presentationRef -Publisher FASB -Name Accounting Standards Codification -Topic 310 -SubTopic 10 -Section 50 -Paragraph 11B -URI http://asc.fasb.org/extlink&oid=66008989&loc=SL6953423-111524 + Details
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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=32702940&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=66008989&loc=SL6953659-111524 + Details
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- Definition Tabular disclosure of impaired financing receivables. + References Reference 1: http://www.xbrl.org/2003/role/presentationRef -Publisher FASB -Name Accounting Standards Codification -Topic 310 -SubTopic 10 -Section 50 -Paragraph 15 -URI http://asc.fasb.org/extlink&oid=66008989&loc=d3e5212-111524 + 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=66008989&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=66008989&loc=SL6953401-111524 + Details
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- Definition Tabular disclosure of financing receivables and troubled debt restructurings. + References Reference 1: http://www.xbrl.org/2003/role/presentationRef -Publisher FASB -Name Accounting Standards Codification -Topic 310 -SubTopic 10 -Section 50 -Paragraph 33 -URI http://asc.fasb.org/extlink&oid=66008989&loc=SL6953676-111524 Reference 2: http://www.xbrl.org/2003/role/presentationRef -Publisher FASB -Name Accounting Standards Codification -Topic 310 -SubTopic 10 -Section 50 -Paragraph 34 -URI http://asc.fasb.org/extlink&oid=66008989&loc=SL6953682-111524 + Details
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