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Allowance for Loan Losses (Tables) | 6 Months Ended
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Jun. 30, 2014
Allowance for Loan Losses |
Schedule of changes in the allowance for loan losses by segment of loans based on method of impairment | Changes in the allowance for loan losses by segment of loans based on method of impairment for the three and six months ended June 30, 2014, were as follows:
Allowance for loan losses: |  |  |  | Real Estate |  | Real Estate |  | Real Estate |  |  |  |  |  |
|  | Commercial |  | Commercial 1 |  | Construction |  | Residential |  | Consumer |  | Unallocated |  | Total
Three months ended June 30, 2014 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Beginning balance |  | $ | 2,326 |  | $ | 14,066 |  | $ | 1,998 |  | $ | 2,268 |  | $ | 1,495 |  | $ | 3,323 |  | $ | 25,476
Charge-offs |  |  | 3 |  |  | 760 |  |  | 105 |  |  | 978 |  |  | 139 |  |  | - |  |  | 1,985
Recoveries |  |  | 35 |  |  | 87 |  |  | 467 |  |  | 689 |  |  | 87 |  |  | - |  |  | 1,365
(Release) provision |  |  | (367) |  |  | (165) |  |  | (606) |  |  | 394 |  |  | 21 |  |  | (277) |  |  | (1,000)
Ending balance |  | $ | 1,991 |  | $ | 13,228 |  | $ | 1,754 |  | $ | 2,373 |  | $ | 1,464 |  | $ | 3,046 |  | $ | 23,856
Six months ended June 30, 2014 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Beginning balance |  | $ | 2,250 |  | $ | 16,763 |  | $ | 1,980 |  | $ | 2,837 |  | $ | 1,439 |  | $ | 2,012 |  | $ | 27,281
Charge-offs |  |  | 7 |  |  | 1,089 |  |  | 173 |  |  | 1,827 |  |  | 249 |  |  | - |  |  | 3,345
Recoveries |  |  | 50 |  |  | 228 |  |  | 504 |  |  | 939 |  |  | 199 |  |  | - |  |  | 1,920
(Release) provision |  |  | (302) |  |  | (2,674) |  |  | (557) |  |  | 424 |  |  | 75 |  |  | 1,034 |  |  | (2,000)
Ending balance |  | $ | 1,991 |  | $ | 13,228 |  | $ | 1,754 |  | $ | 2,373 |  | $ | 1,464 |  | $ | 3,046 |  | $ | 23,856
Ending balance: Individually evaluated for impairment |  | $ | - |  | $ | 803 |  | $ | 135 |  | $ | 502 |  | $ | - |  | $ | - |  | $ | 1,440
Ending balance: Collectively evaluated for impairment |  | $ | 1,991 |  | $ | 12,425 |  | $ | 1,619 |  | $ | 1,871 |  | $ | 1,464 |  | $ | 3,046 |  | $ | 22,416
Financing receivables: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Ending balance |  | $ | 115,474 |  | $ | 599,796 |  | $ | 32,265 |  | $ | 368,592 |  | $ | 3,064 |  | $ | 13,556 |  | $ | 1,132,747
Ending balance: Individually evaluated for impairment |  | $ | 21 |  | $ | 17,131 |  | $ | 2,598 |  | $ | 16,379 |  | $ | - |  | $ | - |  | $ | 36,129
Ending balance: Collectively evaluated for impairment |  | $ | 115,453 |  | $ | 582,665 |  | $ | 29,667 |  | $ | 352,213 |  | $ | 3,064 |  | $ | 13,556 |  | $ | 1,096,618
1 As of June 30, 2014, this segment consisted of performing loans that included a higher risk pool of loans rated as substandard that totaled $3.2 million. The amount of general allocation that was estimated for that portion of these performing substandard rated loans was $78,000 at June 30, 2014. Changes in the allowance for loan losses by segment of loans based on method of impairment for the three and six months ended June 30, 2013, were as follows:
Allowance for loan losses: |  |  |  | Real Estate |  | Real Estate |  | Real Estate |  |  |  |  |  |
|  | Commercial |  | Commercial 1 |  | Construction |  | Residential |  | Consumer |  | Unallocated |  | Total
Three Months Ended |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
June 30, 2013 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Balance at beginning of period |  | $ | 3,773 |  | $ | 19,265 |  | $ | 3,729 |  | $ | 3,971 |  | $ | 1,214 |  | $ | 6,682 |  | $ | 38,634
Charge-offs |  |  | 25 |  |  | 1,018 |  |  | 894 |  |  | 1,014 |  |  | 134 |  |  | - |  |  | 3,085
Recoveries |  |  | 25 |  |  | 505 |  |  | 480 |  |  | 179 |  |  | 104 |  |  | - |  |  | 1,293
(Release) provision |  |  | (441) |  |  | (655) |  |  | (625) |  |  | 1,885 |  |  | 188 |  |  | (2,152) |  |  | (1,800)
Ending balance |  | $ | 3,332 |  | $ | 18,097 |  | $ | 2,690 |  | $ | 5,021 |  | $ | 1,372 |  | $ | 4,530 |  | $ | 35,042
Six Months Ended |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
June 30, 2013 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Balance at beginning of year |  | $ | 4,517 |  | $ | 20,100 |  | $ | 3,837 |  | $ | 4,535 |  | $ | 1,178 |  | $ | 4,430 |  | $ | 38,597
Charge-offs |  |  | 279 |  |  | 1,526 |  |  | 898 |  |  | 1,599 |  |  | 306 |  |  | - |  |  | 4,608
Recoveries |  |  | 44 |  |  | 3,229 |  |  | 1,250 |  |  | 583 |  |  | 247 |  |  | - |  |  | 5,353
(Release) provision |  |  | (950) |  |  | (3,706) |  |  | (1,499) |  |  | 1,502 |  |  | 253 |  |  | 100 |  |  | (4,300)
Ending balance |  | $ | 3,332 |  | $ | 18,097 |  | $ | 2,690 |  | $ | 5,021 |  | $ | 1,372 |  | $ | 4,530 |  | $ | 35,042
Ending balance: Individually evaluated for impairment |  | $ | 52 |  | $ | 1,649 |  | $ | 324 |  | $ | 3,011 |  | $ | - |  | $ | - |  | $ | 5,036
Ending balance: Collectively evaluated for impairment |  | $ | 3,280 |  | $ | 16,448 |  | $ | 2,366 |  | $ | 2,010 |  | $ | 1,372 |  | $ | 4,530 |  | $ | 30,006
Financing receivables: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Ending balance |  | $ | 98,036 |  | $ | 563,061 |  | $ | 34,964 |  | $ | 386,504 |  | $ | 2,793 |  | $ | 17,345 |  | $ | 1,102,703
Ending balance: Individually evaluated for impairment |  | $ | 104 |  | $ | 32,381 |  | $ | 8,073 |  | $ | 29,822 |  | $ | - |  | $ | - |  | $ | 70,380
Ending balance: Collectively evaluated for impairment |  | $ | 97,932 |  | $ | 530,680 |  | $ | 26,891 |  | $ | 356,682 |  | $ | 2,793 |  | $ | 17,345 |  | $ | 1,032,323
1 As of June 30, 2013, this segment consisted of performing loans that included a higher risk pool of loans rated as substandard that totaled $11.1 million. The amount of general allocation that was estimated for that portion of these performing substandard rated loans was $2.9 million at June 30, 2013.

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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=28368275&loc=SL6953423-111524 + Details
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