XML 62 R36.htm IDEA: XBRL DOCUMENT v3.19.3.a.u2
Allowance for Loan Losses (Tables)
 12 Months Ended
Dec. 31, 2019
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 ALLL by segment of loans based on method of impairment for the year ended December 31, 2019, were as follows:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Real Estate

 

Real Estate

 

Real Estate

 

 

 

 

 

 

Allowance for loan and lease losses:

   

Commercial

   

Leases

   

Commercial

   

Construction

   

Residential

   

HELOC

   

Other1

   

Total

Beginning balance

 

$

2,832

 

$

734

 

$

10,470

 

$

969

 

$

1,931

 

$

1,449

 

$

621

 

$

19,006

Charge-offs

 

 

109

 

 

49

 

 

1,019

 

 

 9

 

 

118

 

 

338

 

 

409

 

 

2,051

Recoveries

 

 

74

 

 

 -

 

 

684

 

 

 1

 

 

103

 

 

172

 

 

200

 

 

1,234

Provision (Release)

 

 

218

 

 

577

 

 

1,040

 

 

(448)

 

 

99

 

 

(111)

 

 

225

 

 

1,600

Ending balance

 

$

3,015

 

$

1,262

 

$

11,175

 

$

513

 

$

2,015

 

$

1,172

 

$

637

 

$

19,789

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Ending balance: Individually evaluated for impairment

 

$

93

 

$

100

 

$

830

 

$

 -

 

$

50

 

$

56

 

$

 6

 

$

1,135

Ending balance: Collectively evaluated for impairment

 

 

2,922

 

 

1,162

 

 

10,285

 

 

513

 

 

1,965

 

 

1,116

 

 

614

 

 

18,577

Ending balance: Acquired and accounted for ASC 310-30

 

 

 -

 

 

 -

 

 

60

 

 

 -

 

 

 -

 

 

 -

 

 

17

 

 

77

Total ending allowance balance

 

$

3,015

 

$

1,262

 

$

11,175

 

$

513

 

$

2,015

 

$

1,172

 

$

637

 

$

19,789

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Loans:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Ending balance: Individually evaluated for Impairment

 

$

144

 

$

329

 

$

7,104

 

$

93

 

$

7,900

 

$

2,428

 

$

19

 

$

18,017

Ending balance: Collectively evaluated for impairment

 

 

332,698

 

 

119,422

 

 

858,495

 

 

69,524

 

 

389,001

 

 

121,029

 

 

14,025

 

 

1,904,194

Ending balance: Acquired and accounted for ASC 310-30

 

 

 -

 

 

 -

 

 

3,420

 

 

600

 

 

4,581

 

 

 -

 

 

 -

 

 

8,601

Total ending loans balance

 

$

332,842

 

$

119,751

 

$

869,019

 

$

70,217

 

$

401,482

 

$

123,457

 

$

14,044

 

$

1,930,812

 

 

 

Changes in the ALLL by segment of loans based on method of impairment for the year ended December 31, 2018, were as follows:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Real Estate

 

Real Estate

 

Real Estate

 

 

 

 

 

 

Allowance for loan and lease losses:

   

Commercial

   

Leases

   

Commercial

   

Construction

   

Residential

   

HELOC

   

Other1

   

Total

Beginning balance

 

$

2,453

 

$

692

 

$

9,522

 

$

923

 

$

1,846

 

$

1,446

 

$

579

 

$

17,461

Charge-offs

 

 

41

 

 

13

 

 

1,548

 

 

(16)

 

 

(45)

 

 

147

 

 

409

 

 

2,097

Recoveries

 

 

157

 

 

 -

 

 

447

 

 

35

 

 

1,146

 

 

364

 

 

265

 

 

2,414

Provision (Release)

 

 

263

 

 

55

 

 

2,049

 

 

(5)

 

 

(1,106)

 

 

(214)

 

 

186

 

 

1,228

Ending balance

 

$

2,832

 

$

734

 

$

10,470

 

$

969

 

$

1,931

 

$

1,449

 

$

621

 

$

19,006

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Ending balance: Individually evaluated for impairment

 

$

 -

 

$

 -

 

$

239

 

$

 1

 

$

50

 

$

49

 

$

13

 

$

352

Ending balance: Collectively evaluated for impairment

 

 

2,832

 

 

734

 

 

10,231

 

 

968

 

 

1,881

 

 

1,400

 

 

608

 

 

18,654

Ending balance: Acquired and accounted for ASC 310-30

 

 

 -

 

 

 -

 

 

 -

 

 

 -

 

 

 -

 

 

 -

 

 

 -

 

 

 -

Total ending allowance balance

 

$

2,832

 

$

734

 

$

10,470

 

$

969

 

$

1,931

 

$

1,449

 

$

621

 

$

19,006

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Loans:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Ending balance: Individually evaluated for impairment

 

$

 -

 

$

 -

 

$

9,785

 

$

106

 

$

8,196

 

$

2,241

 

$

31

 

$

20,359

Ending balance: Collectively evaluated for impairment

 

 

314,323

 

 

78,806

 

 

811,156

 

 

108,284

 

 

398,872

 

 

138,201

 

 

16,061

 

 

1,865,703

Ending balance: Acquired and accounted for ASC 310-30

 

 

 -

 

 

 -

 

 

4,182

 

 

745

 

 

6,038

 

 

 -

 

 

 -

 

 

10,965

Total ending loan balance

 

$

314,323

 

$

78,806

 

$

825,123

 

$

109,135

 

$

413,106

 

$

140,442

 

$

16,092

 

$

1,897,027

 

Changes in the ALLL by segment of loans based on method of impairment for the year ended December 31, 2017, were as follows:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Real Estate

 

Real Estate

 

Real Estate

 

 

 

 

 

 

Allowance for loan and lease losses:

   

Commercial

 

Leases

 

Commercial

 

Construction

 

Residential

 

HELOC

 

Other1

 

Total

Beginning balance

 

$

1,629

 

$

633

 

$

9,547

 

$

389

 

$

2,178

 

$

1,331

 

$

451

 

$

16,158

Charge-offs

 

 

25

 

 

215

 

 

309

 

 

23

 

 

1,347

 

 

386

 

 

 1

 

 

2,306

Recoveries

 

 

30

 

 

 -

 

 

161

 

 

377

 

 

980

 

 

243

 

 

18

 

 

1,809

Provision

 

 

819

 

 

274

 

 

123

 

 

180

 

 

35

 

 

258

 

 

111

 

 

1,800

Ending balance

 

$

2,453

 

$

692

 

$

9,522

 

$

923

 

$

1,846

 

$

1,446

 

$

579

 

$

17,461

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Ending balance: Individually evaluated for impairment

 

$

 -

 

$

 -

 

$

 -

 

$

 -

 

$

53

 

$

91

 

$

 -

 

$

144

Ending balance: Collectively evaluated for impairment

 

 

2,453

 

 

692

 

 

9,522

 

 

923

 

 

1,793

 

 

1,355

 

 

579

 

 

17,317

Total ending allowance balance

 

$

2,453

 

$

692

 

$

9,522

 

$

923

 

$

1,846

 

$

1,446

 

$

579

 

$

17,461

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Loans:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Ending balance: Individually evaluated for impairment

 

$

 -

 

$

178

 

$

3,041

 

$

201

 

$

14,575

 

$

2,110

 

$

 7

 

$

20,112

Ending balance: Collectively evaluated for impairment

 

 

272,851

 

 

68,147

 

 

747,950

 

 

84,961

 

 

298,822

 

 

110,723

 

 

14,056

 

 

1,597,510

Total ending loan balance

 

$

272,851

 

$

68,325

 

$

750,991

 

$

85,162

 

$

313,397

 

$

112,833

 

$

14,063

 

$

1,617,622

 

1  The “Other” class includes consumer loans, overdrafts and net deferred costs.