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Loans and Allowance for Loan and Lease Losses (Tables)

9 Months Ended

Sep. 30, 2014

Loans And Leases Receivable Disclosure [Abstract]

Summary of Information Concerning Loan Portfolio

Loans at September 30, 2014 and December 31, 2013 consisted of the following:

		September 30,				December 31,
		2014				2013
Real estate:
Commercial		$	261,836			$	331,462
Construction, land development, land			45,996				37,626
1-4 family residential properties			80,419				91,301
Farmland			20,059				20,294
Total real estate			408,310				480,683
Commercial			340,316				255,655
Factored receivables			169,112				117,370
Consumer			12,527				13,878
Mortgage warehouse			46,874				13,513
Total			977,139				881,099
Allowance for loan and lease losses			(7,320	)			(3,645	)
		$	969,819			$	877,454

Summary of Allowance for Loan and Lease Losses

Allowance for Loan and Lease Losses:    The activity in the allowance for loan and lease losses (ALLL) during the three and nine months ended September 30, 2014 and 2013 is as follows:

		Beginning																Ending
Three months ended September 30, 2014		Balance				Provision				Charge-offs				Recoveries				Balance
Real estate:
Commercial		$	463			$	(78	)		$	—			$	1			$	386
Construction, land development, land			242				198				(100	)			—				340
1-4 family residential properties			197				56				(74	)			3				182
Farmland			11				2				—				—				13
Total real estate			913				178				(174	)			4				921
Commercial			2,332				722				-				3				3,057
Factored receivables			2,838				397				(119	)			21				3,137
Consumer			96				34				(100	)			57				87
Mortgage warehouse			74				44				—				—				118
		$	6,253			$	1,375			$	(393	)		$	85			$	7,320
		Beginning																Ending
Three months ended September 30, 2013		Balance				Provision				Charge-offs				Recoveries				Balance
Real estate:
Commercial		$	252			$	(154	)		$	—			$	129			$	227
Construction, land development, land			46				(7	)			—				—				39
1-4 family residential properties			98				(34	)			(19	)			25				70
Farmland			5				(1	)			—				—				4
Total real estate			401				(196	)			(19	)			154				340
Commercial			502				1,538				(1,473	)			—				567
Factored receivables			1,532				370				(121	)			3				1,784
Consumer			—				—				—				—				—
Mortgage warehouse			15				23				—				—				38
		$	2,450			$	1,735			$	(1,613	)		$	157			$	2,729
		Beginning																Ending
Nine months ended September 30, 2014		Balance				Provision				Charge-offs				Recoveries				Balance
Real estate:
Commercial		$	348			$	35			$	—			$	3			$	386
Construction, land development, land			110				330				(100	)			—				340
1-4 family residential properties			100				240				(264	)			106				182
Farmland			7				6				—				—				13
Total real estate			565				611				(364	)			109				921
Commercial			1,145				1,707				(12	)			217				3,057
Factored receivables			1,842				1,533				(294	)			56				3,137
Consumer			49				122				(314	)			230				87
Mortgage warehouse			44				74				—				—				118
		$	3,645			$	4,047			$	(984	)		$	612			$	7,320
		Beginning																Ending
Nine months ended September 30, 2013		Balance				Provision				Charge-offs				Recoveries				Balance
Real estate:
Commercial		$	261			$	(122	)		$	(41	)		$	129			$	227
Construction, land development, land			40				(1	)			—				—				39
1-4 family residential properties			227				(111	)			(88	)			42				70
Farmland			5				(1	)			—				—				4
Total real estate			533				(235	)			(129	)			171				340
Commercial			172				1,861				(1,473	)			7				567
Factored receivables			1,221				691				(183	)			55				1,784
Consumer			—				—				—				—				—
Mortgage warehouse			—				38				—				—				38
		$	1,926			$	2,355			$	(1,785	)		$	233			$	2,729

Summary of Individual and Collective Allowance for Loan Losses and Loan Balances by Class

The following table presents loans individually and collectively evaluated for impairment, as well as purchased credit impaired (PCI) loans, and their respective allowance allocations:

September 30, 2014		Loan Evaluation																ALLL Allocations
		Individually				Collectively				PCI				Total loans				Individually				Collectively				PCI				Total ALLL
Real estate:
Commercial		$	3,671			$	243,632			$	14,533			$	261,836			$	—			$	386			$	—			$	386
Construction, land development, land			12				44,512				1,472				45,996				—				340				—				340
1-4 family residential properties			885				77,311				2,223				80,419				—				176				6				182
Farmland			—				20,059				—				20,059				—				13				—				13
Total real estate			4,568				385,514				18,228				408,310				—				915				6				921
Commercial			7,092				328,507				4,717				340,316				297				2,760				—				3,057
Factored receivables			990				168,122				—				169,112				849				2,288				—				3,137
Consumer			—				12,527				—				12,527				—				87				—				87
Mortgage warehouse			—				46,874				—				46,874				—				118				—				118
		$	12,650			$	941,544			$	22,945			$	977,139			$	1,146			$	6,168			$	6			$	7,320
December 31, 2013		Loan Evaluation																ALLL Allocations
		Individually				Collectively				PCI				Total loans				Individually				Collectively				PCI				Total ALLL
Real estate:
Commercial		$	4,489			$	308,326			$	18,647			$	331,462			$	—			$	348			$	—			$	348
Construction, land development, land			—				35,585				2,041				37,626				—				110				—				110
1-4 family residential properties			842				87,987				2,472				91,301				14				79				7				100
Farmland			—				20,294				—				20,294				—				7				—				7
Total real estate			5,331				452,192				23,160				480,683				14				544				7				565
Commercial			5,495				248,129				2,031				255,655				15				1,130				—				1,145
Factored receivables			763				116,607				—				117,370				417				1,425				—				1,842
Consumer			—				13,878				—				13,878				—				49				—				49
Mortgage warehouse			—				13,513				—				13,513				—				44				—				44
		$	11,589			$	844,319			$	25,191			$	881,099			$	446			$	3,192			$	7			$	3,645

Summary of Information Pertaining to Impaired Loans

The following is a summary of information pertaining to impaired loans at September 30, 2014 and December 31, 2013:

		Impaired Loans and Purchased Credit												Impaired Loans
		Impaired Loans With a Valuation Allowance												Without a Valuation Allowance
		Recorded				Unpaid				Related				Recorded				Unpaid
September 30, 2014		Investment				Principal				Allowance				Investment				Principal
Real estate:
Commercial		$	—			$	—			$	—			$	1,938			$	1,957
Construction, land development, land			—				—				—				12				24
1-4 family residential properties			327				505				6				730				1,055
Farmland			—				—				—				—				—
Total real estate			327				505				6				2,680				3,036
Commercial			1,029				1,058				297				6,064				6,293
Factored receivables			990				990				849				—				—
Consumer			—				—				—				—				—
Mortgage warehouse			—				—				—				—				—
		$	2,346			$	2,553			$	1,152			$	8,744			$	9,329
		Impaired Loans and Purchased Credit												Impaired Loans
		Impaired Loans With a Valuation Allowance												Without a Valuation Allowance
		Recorded				Unpaid				Related				Recorded				Unpaid
December 31, 2013		Investment				Principal				Allowance				Investment				Principal
Real estate:
Commercial		$	—			$	—			$	—			$	114			$	131
Construction, land development, land			—				—				—				—				—
1-4 family residential properties			127				169				21				157				166
Farmland			—				—				—				—				—
Total real estate			127				169				21				271				297
Commercial			215				215				15				5,224				5,454
Factored receivables			762				762				417				1				—
Consumer			—				—				—				—				—
Mortgage warehouse			—				—				—				—				—
		$	1,104			$	1,146			$	453			$	5,496			$	5,751

		Three Months Ended								Three Months Ended
		September 30, 2014								September 30, 2013
		Average				Interest				Average				Interest
		Impaired Loans				Recognized				Impaired Loans				Recognized
Real estate:
Commercial		$	2,201			$	17			$	3,432			$	156
Construction, land development, land			1				1				—				—
1-4 family residential properties			1,035				18				301				8
Farmland			—				—				—				—
Total real estate			3,237				36				3,733				164
Commercial			5,952				3				2,642				—
Factored receivables			381				—				690				—
Consumer			—				—				—				—
Mortgage warehouse			—				—				—				—
		$	9,570			$	39			$	7,065			$	164
		Nine Months Ended								Nine Months Ended
		September 30, 2014								September 30, 2013
		Average				Interest				Average				Interest
		Impaired Loans				Recognized				Impaired Loans				Recognized
Real estate:
Commercial		$	2,375			$	206			$	3,427			$	470
Construction, land development, land			2				1				—				—
1-4 family residential properties			1,068				164				326				25
Farmland			—				—				—				—
Total real estate			3,445				371				3,753				495
Commercial			6,549				44				2,642				—
Factored receivables			381				—				830				—
Consumer			—				—				—				—
Mortgage warehouse			—				—				—				—
		$	10,375			$	415			$	7,225			$	495

Schedule of Recorded Investment and Unpaid Principal Balances for Impaired Loans

The following table presents the unpaid principal and recorded investment for loans at September 30, 2014 and December 31, 2013. The difference between the unpaid principal balance and recorded investment is principally associated with (1) premiums and discounts associated with acquisition date fair value adjustments on acquired loans (both PCI and non-PCI), (2) net deferred origination costs and fees, and (3) previous charge-offs.

		Recorded				Unpaid
September 30, 2014		Investment				Principal				Difference
Real estate:
Commercial		$	261,836			$	277,087			$	(15,251	)
Construction, land development, land			45,996				47,925				(1,929	)
1-4 family residential properties			80,419				84,220				(3,801	)
Farmland			20,059				19,973				86
Total real estate			408,310				429,205				(20,895	)
Commercial			340,316				344,115				(3,799	)
Factored receivables			169,112				170,281				(1,169	)
Consumer			12,527				12,604				(77	)
Mortgage warehouse			46,874				46,874				—
		$	977,139			$	1,003,079			$	(25,940	)
		Recorded				Unpaid
December 31, 2013		Investment				Principal				Difference
Real estate:
Commercial		$	331,462			$	351,521			$	(20,059	)
Construction, land development, land			37,626				41,034				(3,408	)
1-4 family residential properties			91,301				96,742				(5,441	)
Farmland			20,294				20,145				149
Total real estate			480,683				509,442				(28,759	)
Commercial			255,655				260,384				(4,729	)
Factored receivables			117,370				118,057				(687	)
Consumer			13,878				14,006				(128	)
Mortgage warehouse			13,513				13,513				—
		$	881,099			$	915,402			$	(34,303	)

Summary of Contractually Past Due and Nonaccrual Loans

Past Due and Nonaccrual Loans:     The following is a summary of contractually past due and nonaccrual loans at September 30, 2014 and December 31, 2013:

						Past Due 90
		30-89 Days				Days or More
September 30, 2014		Past Due				Still Accruing				Nonaccrual				Total
Real estate:
Commercial		$	855			$	—			$	5,094			$	5,949
Construction, land development, land			75				—				12				87
1-4 family residential properties			779				2				1,469				2,250
Farmland			—				—				—				—
Total real estate			1,709				2				6,575				8,286
Commercial			110				—				10,176				10,286
Factored receivables			5,664				813				—				6,477
Consumer			407				2				—				409
Mortgage warehouse			—				—				—				—
		$	7,890			$	817			$	16,751			$	25,458
						Past Due 90
		30-89 Days				Days or More
December 31, 2013		Past Due				Still Accruing				Nonaccrual				Total
Real estate:
Commercial		$	2,959			$	47			$	5,417			$	8,423
Construction, land development, land			690				—				—				690
1-4 family residential properties			1,803				19				1,392				3,214
Farmland			—				—				—				—
Total real estate			5,452				66				6,809				12,327
Commercial			2,155				11				5,494				7,660
Factored receivables			3,836				—				89				3,925
Consumer			591				2				—				593
Mortgage warehouse			—				—				—				—
		$	12,034			$	79			$	12,392			$	24,505

Summary of Risk Category of Loans

As of September 30, 2014 and December 31, 2013 based on the most recent analysis performed, the risk category of loans is as follows:

						Special
September 30, 2014		Pass				Mention				Substandard				Doubtful				PCI				Total
Real estate:
Commercial		$	238,251			$	2,963			$	6,089			$	—			$	14,533			$	261,836
Construction, land development, land			44,512				—				12				—				1,472				45,996
1-4 family residential			77,120				231				845				—				2,223				80,419
Farmland			20,059				—				—				—				—				20,059
Total real estate			379,942				3,194				6,946				—				18,228				408,310
Commercial			322,647				2,490				10,462				—				4,717				340,316
Factored receivables			168,121				—				344				647				—				169,112
Consumer			12,527				—				—				—				—				12,527
Mortgage warehouse			46,874				—				—				—				—				46,874
		$	930,111			$	5,684			$	17,752			$	647			$	22,945			$	977,139
						Special
December 31, 2013		Pass				Mention				Substandard				Doubtful				PCI				Total
Real estate:
Commercial		$	308,077			$	557			$	4,180			$	—			$	18,648			$	331,462
Construction, land development, land			35,585				—				—				—				2,041				37,626
1-4 family residential			88,379				—				450				—				2,472				91,301
Farmland			20,294				—				—				—				—				20,294
Total real estate			452,335				557				4,630				—				23,161				480,683
Commercial			247,941				—				5,684				—				2,030				255,655
Factored receivables			116,607				—				336				427				—				117,370
Consumer			13,878				—				—				—				—				13,878
Mortgage warehouse			13,513				—				—				—				—				13,513
		$	844,274			$	557			$	10,650			$	427			$	25,191			$	881,099

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Individual and collective allowance for credit losses on financing receivables and loan balances. Table Text Block

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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.

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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.

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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.

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