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Allowance for Loan and Lease Losses and Reserve for Unfunded Commitments (Tables)

12 Months Ended

Dec. 31, 2017

Receivables [Abstract]

Summary of Allowance for Loan and Lease Losses and Corresponding Loan and Lease Balances

The following tables summarize the balance and activity within the allowance for loan and lease losses, the components of the allowance for loan and lease losses in terms of loans and leases individually and collectively evaluated for impairment, and corresponding loan and lease balances by type for the years ended December 31, 2017, 2016 and 2015 are as follows:

2017		Commercial Real Estate				Residential Real Estate				Construction, Land Development, and Other Land				Commercial and Industrial				Installment and Other				Lease Financing Receivables				Total
Allowance for loan and lease losses
Beginning balance		$	1,945			$	2,483			$	742			$	4,196			$	334			$	1,223			$	10,923
Provisions			4,343				(405	)			(520	)			6,058				34				3,143				12,653
Charge-offs			(1,494	)			(440	)			—				(2,836	)			(327	)			(3,099	)			(8,196	)
Recoveries			—				—				—				—				—				1,326				1,326
Ending balance		$	4,794			$	1,638			$	222			$	7,418			$	41			$	2,593			$	16,706
Ending balance:
Individually evaluated for    impairment		$	1,101			$	158			$	—			$	2,692			$	14			$	—			$	3,965
Collectively evaluated for    impairment			1,765				1,047				145				3,308				9				2,593				8,867
Loans acquired with deteriorated    credit quality			1,928				433				77				1,418				18				—				3,874
Total allowance for loan and lease losses		$	4,794			$	1,638			$	222			$	7,418			$	41			$	2,593			$	16,706

2017		Commercial Real Estate				Residential Real Estate				Construction, Land Development, and Other Land				Commercial and Industrial				Installment and Other				Lease Financing Receivables				Total
Loans and leases ending balance:
Individually evaluated for    impairment		$	13,884			$	2,429			$	—			$	14,784			$	14			$	—			$	31,111
Collectively evaluated for    impairment			711,097				430,227				99,483				496,446				3,752				177,686				1,918,691
Loans acquired with deteriorated    credit quality			166,712				144,562				5,946				10,008				462				—				327,690
Total loans and leases		$	891,693			$	577,218			$	105,429			$	521,238			$	4,228			$	177,686			$	2,277,492

Note 6—Allowance for Loan and Lease Losses and Reserve for Unfunded Commitments (continued)

2016		Commercial Real Estate				Residential Real Estate				Construction, Land Development, and Other Land				Commercial and Industrial				Installment and Other				Lease Financing Receivables				Total
Allowance for loan and lease losses
Beginning balance		$	2,280			$	2,981			$	232			$	1,403			$	357			$	379			$	7,632
Provisions			4,032				135				605				2,869				(11	)			2,722				10,352
Charge-offs			(4,367	)			(633	)			(95	)			(76	)			(12	)			(2,634	)			(7,817	)
Recoveries			—				—				—				—				—				756				756
Ending balance		$	1,945			$	2,483			$	742			$	4,196			$	334			$	1,223			$	10,923
Ending balance:
Individually evaluated for impairment		$	—			$	293			$	—			$	396			$	328			$	—			$	1,017
Collectively evaluated for impairment			1,456				1,743				742				3,126				5				1,223				8,295
Loans acquired with deteriorated credit quality			489				447				—				674				1				—				1,611
Total allowance for loan and lease losses		$	1,945			$	2,483			$	742			$	4,196			$	334			$	1,223			$	10,923

2016		Commercial Real Estate				Residential Real Estate				Construction, Land Development, and Other Land				Commercial and Industrial				Installment and Other				Lease Financing Receivables				Total
Loans and leases ending balance:
Individually evaluated for    impairment		$	8,916			$	1,300			$	—			$	1,382			$	328			$	—			$	11,926
Collectively evaluated for    impairment			580,125				433,721				133,787				423,392				2,057				158,966				1,732,048
Loans acquired with deteriorated    credit quality			207,303				175,717				6,979				13,464				574				—				404,037
Total loans and leases		$	796,344			$	610,738			$	140,766			$	438,238			$	2,959			$	158,966			$	2,148,011

2015		Commercial Real Estate				Residential Real Estate				Construction, Land Development, and Other Land				Commercial and Industrial				Installment and Other				Lease Financing Receivables				Total
Allowance for loan and lease losses
Beginning balance		$	1,112			$	1,936			$	834			$	648			$	121			$	143			$	4,794
Provisions			2,464				1,873				(585	)			782				237				2,195				6,966
Charge-offs			(1,296	)			(828	)			(17	)			(30	)			(1	)			(2,187	)			(4,359	)
Recoveries			—				—				—				3				—				228				231
Ending balance		$	2,280			$	2,981			$	232			$	1,403			$	357			$	379			$	7,632
Ending balance:
Individually evaluated for impairment		$	1,076			$	615			$	137			$	171			$	327			$	—			$	2,326
Collectively evaluated for impairment			470				476				95				596				—				379				2,016
Loans acquired with deteriorated credit quality			734				1,890				—				636				30				—				3,290
Total allowance for loan and lease losses		$	2,280			$	2,981			$	232			$	1,403			$	357			$	379			$	7,632

Note 6—Allowance for Loan and Lease Losses and Reserve for Unfunded Commitments (continued)

2015		Commercial Real Estate				Residential Real Estate				Construction, Land Development, and Other Land				Commercial and Industrial				Installment and Other				Lease Financing Receivables				Total
Loans and leases ending balance:
Individually evaluated for    impairment		$	4,160			$	4,042			$	208			$	171			$	327			$	—			$	8,908
Collectively evaluated for    impairment			285,571				256,555				31,390				155,955				594				119,553				849,618
Loans acquired with deteriorated    credit quality			243,964				223,738				8,634				9,570				1,005				—				486,911
Total loans and leases		$	533,695			$	484,335			$	40,232			$	165,696			$	1,926			$	119,553			$	1,345,437

Summary of Recorded Investment, Unpaid Principal Balance, Related Allowance, Average Recorded Investment, and Interest Income Recognized for Loans and Leases

The following tables summarize the recorded investment, unpaid principal balance, related allowance, average recorded investment, and interest income recognized for loans and leases considered impaired as of December 31, 2017, 2016, and 2015, which excludes acquired impaired loans:

2017		Recorded Investment				Unpaid Principal Balance				Related Allowance				Average Recorded Investment				Interest Income Recognized
With no related allowance recorded
Commercial real estate		$	11,425			$	12,936			$	—			$	10,482			$	525
Residential real estate			2,075				2,046				—				1,781				72
Construction, land development and other land			—				—				—				295				2
Commercial and industrial			5,470				6,774				—				2,875				265
With an allowance recorded
Commercial real estate			2,459				2,634				1,101				1,988				187
Residential real estate			354				351				158				422				6
Construction, land development and other land			—				—				—				14				—
Commercial and industrial			9,314				9,724				2,692				3,460				486
Installment and other			14				14				14				162				12
Total impaired loans		$	31,111			$	34,479			$	3,965			$	21,479			$	1,555

2016		Recorded Investment				Unpaid Principal Balance				Related Allowance				Average Recorded Investment				Interest Income Recognized
With no related allowance recorded
Commercial real estate		$	8,916			$	9,502			$	—			$	8,975			$	305
Residential real estate			804				1,999				—				827				45
Commercial and Industrial			521				524				—				516				(2	)
With an allowance recorded
Residential real estate			496				528				293				519				1
Commercial and industrial			861				869				396				914				—
Installment and other			328				361				328				328				16
Total impaired loans		$	11,926			$	13,783			$	1,017			$	12,079			$	365

Note 6—Allowance for Loan and Lease Losses and Reserve for Unfunded Commitments (continued)

2015		Recorded Investment				Unpaid Principal Balance				Related Allowance				Average Recorded Investment				Interest Income Recognized
With no related allowance recorded
Commercial real estate		$	1,362			$	1,922			$	—			$	1,394			$	64
Residential real estate			2,821				4,222				—				2,865				63
With an allowance recorded
Commercial real estate			2,798				2,797				1,076				2,826				46
Residential real estate			1,221				1,216				615				1,250				15
Construction, land development and other land			208				1,201				137				208				—
Commercial and industrial			171				171				171				185				1
Installment and other			327				335				327				327				23
Total impaired loans		$	8,908			$	11,864			$	2,326			$	9,055			$	212

Summary of Risk Rating Categories of Loans and Leases Considered for Inclusion in Allowance for Loan and Lease Losses Calculation

Note 6—Allowance for Loan and Lease Losses and Reserve for Unfunded Commitments (continued)

The following tables summarize the risk rating categories of the loans and leases considered for inclusion in the allowance for loan and lease losses calculation, excluding acquired impaired loans, as of December 31, 2017 and 2016:

2017		Commercial Real Estate				Residential Real Estate				Construction, Land Development, and Other Land				Commercial and Industrial				Installment and Other				Lease Financing Receivables				Total
Pass		$	638,066			$	398,743			$	73,935			$	415,163			$	3,732			$	174,672			$	1,704,311
Watch			58,217				29,165				22,380				67,024				20				190				176,996
Special Mention			14,645				2,251				3,168				13,535				—				1,293				34,892
Substandard			14,053				2,497				—				15,508				14				1,259				33,331
Doubtful			—				—				—				—				—				272				272
Loss			—				—				—				—				—				—				—
Total		$	724,981			$	432,656			$	99,483			$	511,230			$	3,766			$	177,686			$	1,949,802

2016		Commercial Real Estate				Residential Real Estate				Construction, Land Development, and Other Land				Commercial and Industrial				Installment and Other				Lease Financing Receivables				Total
Pass		$	536,499			$	419,880			$	129,732			$	369,136			$	2,052			$	157,296			$	1,614,595
Watch			38,707				10,885				2,897				52,872				4				324				105,689
Special Mention			5,377				3,116				1,158				1,258				1				512				11,422
Substandard			8,458				1,140				—				1,508				328				739				12,173
Doubtful			—				—				—				—				—				95				95
Loss			—				—				—				—				—				—				—
Total		$	589,041			$	435,021			$	133,787			$	424,774			$	2,385			$	158,966			$	1,743,974

Summary of Contractual Delinquency Information

The following tables summarize contractual delinquency information for acquired non-impaired and originated loans and leases by category as of December 31, 2017 and 2016:

2017		30-59 Days Past Due				60-89 Days Past Due				Greater than 90 Days and Accruing				Non- accrual				Total Past Due				Current				Total
Commercial real estate		$	4,783			$	968			$	—			$	8,459			$	14,210			$	710,771			$	724,981
Residential real estate			148				—				—				2,092				2,240				430,416				432,656
Construction, land development, and    other land			—				—				—				-				-				99,483				99,483
Commercial and industrial			6,667				967				—				4,348				11,982				499,248				511,230
Installment and other			18				—				—				14				32				3,734				3,766
Lease financing receivables			997				638				—				851				2,486				175,200				177,686
Total		$	12,613			$	2,573			$	—			$	15,764			$	30,950			$	1,918,852			$	1,949,802

Note 6—Allowance for Loan and Lease Losses and Reserve for Unfunded Commitments (continued)

2016		30-59 Days Past Due				60-89 Days Past Due				Greater than 90 Days and Accruing				Non- accrual				Total Past Due				Current				Total
Commercial real estate		$	2,944			$	648			$	—			$	3,935			$	7,527			$	581,514			$	589,041
Residential real estate			243				—				—				1,118				1,361				433,660				435,021
Construction, land development, and    other land			1,363				—				—				—				1,363				132,424				133,787
Commercial and industrial			6,066				374				—				958				7,398				417,376				424,774
Installment and other			—				—				—				328				328				2,057				2,385
Lease financing receivables			2,070				390				—				445				2,905				156,061				158,966
Total		$	12,686			$	1,412			$	—			$	6,784			$	20,882			$	1,723,092			$	1,743,974

Summary of TDR's by Loan Category

. The tables below present TDRs by loan category as of December 31, 2017, 2016, and 2015. Refer to Note 1—Summary of Significant Accounting Policies for the accounting policy for TDRs.

December 31, 2017		Number of Loans				Pre-Modification Outstanding Recorded Investment				Post-Modification Outstanding Recorded Investment				Charge-offs				Specific Reserves
Troubled Debt Restructurings:
Commercial real estate			5			$	1,655			$	1,655			$	—			$	111
Commercial and industrial			3				1,246				759				487				246
Residential real estate			2				216				216				—				—
Total			10			$	3,117			$	2,630			$	487			$	357

December 31, 2016		Number of Loans				Pre-Modification Outstanding Recorded Investment				Post-Modification Outstanding Recorded Investment				Charge-offs				Specific Reserves
Troubled Debt Restructurings:
Commercial real estate			2			$	898			$	898			$	—			$	—
Residential real estate			3				256				256				—				—
Total			5			$	1,154			$	1,154			$	—			$	—

December 31, 2015		Number of Loans				Pre-Modification Outstanding Recorded Investment				Post-Modification Outstanding Recorded Investment				Charge-offs				Specific Reserves
Troubled Debt Restructurings:
Commercial real estate			2			$	979			$	979			$	—			$	—
Residential real estate			4				1,762				1,762				—				—
Total			6			$	2,741			$	2,741			$	—			$	—

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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=84173941&loc=SL6953423-111524

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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.

+ 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

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-Name Accounting Standards Codification
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-Section 50
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-Publisher FASB
-Name Accounting Standards Codification
-Topic 310
-SubTopic 10
-Section 50
-Paragraph 15
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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.

+ 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

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-Name Accounting Standards Codification
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-SubTopic 10
-Section 50
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