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Non-performing Loans and Impaired Loans (Tables)

9 Months Ended

Sep. 30, 2013

Text Block [Abstract]

Nonaccrual, Loans Past Due Over 90 Days Still on Accrual, and Troubled Debt Restructured ("TDRs") by Class of Loans

The following table presents the nonaccrual, loans past due over 90 days still on accrual, and troubled debt restructured (“TDRs”) by class of loans:

September 30, 2013		Nonaccrual				Loans Past Due Over 90 Days Still Accruing				Non Performing TDR’s				Performing TDR’s				Total Non- Performing Loans
Commercial
Owner occupied real estate		$	464			$	—			$	82			$	783			$	1,329
Non owner occupied real estate			2,829				—				825				—				3,654
Residential development			—				—				—				—				—
Development & Spec Land Loans			170				—				—				—				170
Commercial and industrial			1,953				—				781				—				2,734
Total commercial			5,416				—				1,688				783				7,887
Real estate
Residential mortgage			3,436				2				2,693				1,678				7,809
Residential construction			—				—				284				—				284
Mortgage warehouse			—				—				—				—				—
Total real estate			3,436				2				2,977				1,678				8,093
Consumer
Direct Installment			249				—				—				—				249
Direct Installment Purchased			—				—				—				—				—
Indirect Installment			657				—				—				—				657
Home Equity			3,228				—				1,321				1,046				5,595
Total Consumer			4,134				—				1,321				1,046				6,501
Total		$	12,986			$	2			$	5,986			$	3,507			$	22,481

December 31, 2012		Nonaccrual				Loans Past Due Over 90 Days Still Accruing				Non Performing TDR’s				Performing TDR’s				Total Non- Performing Loans
Commercial
Owner occupied real estate		$	2,800			$	—			$	1,272			$	819			$	4,891
Non owner occupied real estate			1,705				—				1,605				446				3,756
Residential development			—				—				—				—				—
Development & Spec Land Loans			705				—				—				—				705
Commercial and industrial			544				—				797				—				1,341
Total commercial			5,754				—				3,674				1,265				10,693
Real estate
Residential mortgage			4,565				2				2,536				1,761				8,864
Residential construction			—				—				291				—				291
Mortgage warehouse			—				—				—				—				—
Total real estate			4,565				2				2,827				1,761				9,155
Consumer
Direct Installment			138				26				—				—				164
Direct Installment Purchased			—				—				—				—				—
Indirect Installment			866				26				—				—				892
Home Equity			2,051				—				148				676				2,875
Total Consumer			3,055				52				148				676				3,931
Total		$	13,374			$	54			$	6,649			$	3,702			$	23,779

Loans Transferred and Classified as Troubled Debt Restructured Loans

Loans transferred and classified as troubled debt restructured loans during the nine months ended September 30, 2013 and 2012, segregated by class, are shown in the table below.

		September 30, 2013								September 30, 2012
		Number of Defaults				Unpaid Principal Balance				Number of Defaults				Unpaid Principal Balance
Commercial
Owner occupied real estate			2			$	81				3			$	1,472
Non owner occupied real estate			1				68				3				637
Residential development			—				—				—				—
Development & Spec Land Loans			—				—				—				—
Commercial and industrial			—				—				—				—
Total commercial			3				149				6				2,109
Real estate
Residential mortgage			8				1,132				1				582
Residential construction			—				—				—				—
Mortgage warehouse			—				—				—				—
Total real estate			8				1,132				1				582
Consumer
Direct Installment			—				—				—				—
Direct Installment Purchased			—				—				—				—
Indirect Installment			—				—				—				—
Home Equity			7				1,882				—				—
Total Consumer			7				1,882				—				—
Total			18			$	3,163				7			$	2,691

Troubled debt restructured loans which had payment defaults during the nine months ended September 30, 2013 and 2012, segregated by class, are shown in the table below. Default occurs when a loan is 90 days or more past due or has been transferred to nonaccrual.

		September 30, 2013								September 30, 2012
		Number of Defaults				Unpaid Principal Balance				Number of Defaults				Unpaid Principal Balance
Commercial
Owner occupied real estate			2			$	81				3			$	1,473
Non owner occupied real estate			1				68				2				261
Residential development			—				—				—				—
Development & Spec Land Loans			—				—				—				—
Commercial and industrial			—				—				—				—
Total commercial			3				149				5				1,734
Real estate
Residential mortgage			4				400				2				677
Residential construction			—				—				—				—
Mortgage warehouse			—				—				—				—
Total real estate			4				400				2				677
Consumer
Direct Installment			—				—				—				—
Direct Installment Purchased			—				—				—				—
Indirect Installment			—				—				—				—
Home Equity			4				1,175				—				—
Total Consumer			4				1,175				—				—
Total			11			$	1,724				7			$	2,411

Commercial Loans Individually Evaluated for Impairment by Class of Loans

The following table presents commercial loans individually evaluated for impairment by class of loan:

														Three Months Ending								Nine Months Ending
September 30, 2013		Unpaid Principal Balance				Recorded Investment				Allowance For Loan Loss Allocated				Average Balance in Impaired Loans				Cash/ Accrual Interest Income Recognized				Average Balance in Impaired Loans				Cash/ Accrual Interest Income Recognized
With no recorded allowance
Commercial
Owner occupied real estate		$	1,329			$	1,331			$	—			$	1,959				16			$	2,685			$	43
Non owner occupied real estate			3,167				3,170				—				3,814				8				3,298				21
Residential development			—				—				—				—				—				—				—
Development & Spec Land Loans			21				21				—				24				—				25				—
Commercial and industrial			546				561				—				1,297				—				1,311				—
Total commercial			5,063				5,083				—				7,094				24				7,319				64
With an allowance recorded
Commercial
Owner occupied real estate			—				—				—				(1	)			—				—				—
Non owner occupied real estate			487				487				302				491				—				502				—
Residential development			—				—				—				—				—				—				—
Development & Spec Land Loans			149				149				48				173				—				165				—
Commercial and industrial			2,188				2,200				966				2,379				—				1,808				23
Total commercial			2,824				2,836				1,316				3,042				—				2,475				23
Total		$	7,887			$	7,919			$	1,316			$	10,136			$	24			$	9,794			$	87

														Three Months Ending								Nine Months Ending
September 30, 2012		Unpaid Principal Balance				Recorded Investment				Allowance For Loan Loss Allocated				Average Balance in Impaired Loans				Cash/ Accrual Interest Income Recognized				Average Balance in Impaired Loans				Cash/ Accrual Interest Income Recognized
With no recorded allowance
Commercial
Owner occupied real estate		$	4,457			$	4,460			$	—			$	3,810			$	—			$	1,978			$	3
Non owner occupied real estate			2,521				2,542				—				2,429				70				1,920				72
Residential development			—				—				—				—				—				—				—
Development & Spec Land Loans			131				131				—				109				—				37				—
Commercial and industrial			456				471				—				382				—				129				—
Total commercial			7,565				7,604				—				6,730				70				4,064				75
With an allowance recorded
Commercial
Owner occupied real estate			903				903				450				910				—				1,109				1
Non owner occupied real estate			2,938				2,938				1,065				2,943				—				2,843				—
Residential development			—				—				—				—				—				—				—
Development & Spec Land Loans			658				658				615				660				—				523				6
Commercial and industrial			801				801				273				801				—				807				—
Total commercial			5,300				5,300				2,403				5,314				—				5,282				7
Total		$	12,865			$	12,904			$	2,403			$	12,044			$	70			$	9,346			$	82

Payment Status by Class of Loan

The following table presents the payment status by class of loan:

September 30, 2013		30 - 59 Days Past Due				60 - 89 Days Past Due				Greater than 90 Days Past Due				Total Past Due				Loans Not Past Due				Total
Commercial
Owner occupied real estate		$	99			$	—			$	—			$	99			$	153,014			$	153,113
Non owner occupied real estate			45				—				—				45				229,609				229,654
Residential development			—				—				—				—				242				242
Development & Spec Land Loans			—				—				—				—				15,621				15,621
Commercial and industrial			13				—				—				13				100,181				100,194
Total commercial			157				—				—				157				498,667				498,824
Real estate
Residential mortgage			695				351				2				1,048				178,916				179,964
Residential construction			—				—				—				—				8,881				8,881
Mortgage warehouse			—				—				—				—				113,591				113,591
Total real estate			695				351				2				1,048				301,388				302,436
Consumer
Direct Installment			122				13				—				135				28,833				28,968
Direct Installment Purchased			—				—				—				—				331				331
Indirect Installment			894				60				—				954				128,496				129,450
Home Equity			173				227				—				400				119,822				120,222
Total consumer			1,189				300				—				1,489				277,482				278,971
Total		$	2,041			$	651			$	2			$	2,694			$	1,077,537			$	1,080,231
Percentage of total loans			0.19	%			0.06	%			0.00	%			0.25	%			99.75	%

December 31, 2012		30 - 59 Days Past Due				60 - 89 Days Past Due				Greater than 90 Days Past Due				Total Past Due				Loans Not Past Due				Total
Commercial
Owner occupied real estate		$	2,207			$	19			$	—			$	2,226			$	160,468			$	162,694
Non owner occupied real estate			669				147				—				816				200,947				201,763
Residential development			—				—				—				—				1,056				1,056
Development & Spec Land Loans			—				—				—				—				6,963				6,963
Commercial and industrial			538				16				—				554				86,528				87,082
Total commercial			3,414				182				—				3,596				455,962				459,558
Real estate
Residential mortgage			167				—				2				169				181,281				181,450
Residential construction			—				—				—				—				7,681				7,681
Mortgage warehouse			—				—				—				—				251,448				251,448
Total real estate			167				—				2				169				440,410				440,579
Consumer
Direct Installment			240				64				26				330				27,501				27,831
Direct Installment Purchased			—				—				—				—				429				429
Indirect Installment			1,105				177				26				1,308				132,173				133,481
Home Equity			1,072				321				—				1,393				125,195				126,588
Total consumer			2,417				562				52				3,031				285,298				288,329
Total		$	5,998			$	744			$	54			$	6,796			$	1,181,670			$	1,188,466
Percentage of total loans			0.50	%			0.06	%			0.00	%			0.57	%			99.43	%

Loans by Credit Grades

The following table presents loans by credit grades.

September 30, 2013		Pass				Special Mention				Substandard				Doubtful				Total
Commercial
Owner occupied real estate		$	142,836			$	2,600			$	7,677			$	—			$	153,113
Non owner occupied real estate			210,632				3,119				15,903				—				229,654
Residential development			242				—				—				—				242
Development & Spec Land Loans			13,844				94				1,683				—				15,621
Commercial and industrial			90,221				5,410				4,563				—				100,194
Total commercial			457,775				11,223				29,826				—				498,824
Real estate
Residential mortgage			172,155				—				7,809				—				179,964
Residential construction			8,597				—				284				—				8,881
Mortgage warehouse			113,591				—				—				—				113,591
Total real estate			294,343				—				8,093				—				302,436
Consumer
Direct Installment			28,719				—				249				—				28,968
Direct Installment Purchased			331				—				—				—				331
Indirect Installment			128,793				—				657				—				129,450
Home Equity			114,627				—				5,595				—				120,222
Total Consumer			272,470				—				6,501				—				278,971
Total		$	1,024,587			$	11,223			$	44,420			$	—			$	1,080,231
Percentage of total loans			94.85	%			1.04	%			4.11	%			0.00	%

December 31, 2012		Pass				Special Mention				Substandard				Doubtful				Total
Commercial
Owner occupied real estate		$	137,664			$	6,407			$	17,029			$	1,594			$	162,694
Non owner occupied real estate			171,319				19,440				10,717				287				201,763
Residential development			405				—				651				—				1,056
Development & Spec Land Loans			3,171				178				3,614				—				6,963
Commercial and industrial			78,810				3,136				5,136				—				87,082
Total commercial			391,369				29,161				37,147				1,881				459,558
Real estate
Residential mortgage			172,586				—				8,864				—				181,450
Residential construction			7,390				—				291				—				7,681
Mortgage warehouse			251,448				—				—				—				251,448
Total real estate			431,424				—				9,155				—				440,579
Consumer
Direct Installment			27,667				—				164				—				27,831
Direct Installment Purchased			429				—				—				—				429
Indirect Installment			132,589				—				892				—				133,481
Home Equity			123,713				—				2,875				—				126,588
Total Consumer			284,398				—				3,931				—				288,329
Total		$	1,107,191			$	29,161			$	50,233			$	1,881			$	1,188,466
Percentage of total loans			93.16	%			2.45	%			4.23	%			0.16	%

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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.

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