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Allowance for Loan Losses (Tables) | 9 Months Ended
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Sep. 30, 2014
Receivables [Abstract] |
Allowance for Loan Losses | The historical loss experience is determined by portfolio segment and is based on the actual loss history experienced by the Company over the prior one to five years. Management believes the five-year historical loss experience methodology is appropriate in the current economic environment, as it captures loss rates that are comparable to the current period being analyzed. The actual allowance for loan loss activity is provided below.
|  | Three Months Ended |  |  | Nine Months Ended |
|  | September 30 |  |  | September 30 |
|  | 2014 |  |  | 2013 |  |  | 2014 |  |  | 2013 |
|  | (Unaudited) |  |  | (Unaudited) |  |  | (Unaudited) |  |  | (Unaudited) |
Balance at beginning of the period |  | $ | 15,660 |  |  | $ | 19,565 |  |  | $ | 15,992 |  |  | $ | 18,270 |
Loans charged-off: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Owner occupied real estate |  |  | — |  |  |  | 6 |  |  |  | — |  |  |  | 138 |
Non owner occupied real estate |  |  | — |  |  |  | 45 |  |  |  | 22 |  |  |  | 191 |
Residential development |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Development & Spec Land Loans |  |  | — |  |  |  | — |  |  |  | 173 |  |  |  | — |
Commercial and industrial |  |  | 1,093 |  |  |  | 774 |  |  |  | 1,220 |  |  |  | 913 |
Total commercial |  |  | 1,093 |  |  |  | 825 |  |  |  | 1,415 |  |  |  | 1,242 |
Real estate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Residential mortgage |  |  | 31 |  |  |  | 416 |  |  |  | 225 |  |  |  | 559 |
Residential construction |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Mortgage warehouse |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Total real estate |  |  | 31 |  |  |  | 416 |  |  |  | 225 |  |  |  | 559 |
Consumer |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Direct Installment |  |  | 74 |  |  |  | 88 |  |  |  | 151 |  |  |  | 195 |
Direct Installment Purchased |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Indirect Installment |  |  | 306 |  |  |  | 271 |  |  |  | 874 |  |  |  | 624 |
Home Equity |  |  | 37 |  |  |  | 201 |  |  |  | 468 |  |  |  | 639 |
Total consumer |  |  | 417 |  |  |  | 560 |  |  |  | 1,493 |  |  |  | 1,458 |
Total loans charged-off |  |  | 1,541 |  |  |  | 1,801 |  |  |  | 3,133 |  |  |  | 3,259 |
Recoveries of loans previously charged-off: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Owner occupied real estate |  |  | 4 |  |  |  | 14 |  |  |  | 10 |  |  |  | 46 |
Non owner occupied real estate |  |  | 10 |  |  |  | 1 |  |  |  | 85 |  |  |  | 3 |
Residential development |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Development & Spec Land Loans |  |  | 55 |  |  |  | — |  |  |  | 55 |  |  |  | — |
Commercial and industrial |  |  | 18 |  |  |  | 111 |  |  |  | 435 |  |  |  | 147 |
Total commercial |  |  | 87 |  |  |  | 126 |  |  |  | 585 |  |  |  | 196 |
Real estate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Residential mortgage |  |  | 12 |  |  |  | 5 |  |  |  | 19 |  |  |  | 8 |
Residential construction |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Mortgage warehouse |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Total real estate |  |  | 12 |  |  |  | 5 |  |  |  | 19 |  |  |  | 8 |
Consumer |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Direct Installment |  |  | 10 |  |  |  | 54 |  |  |  | 49 |  |  |  | 448 |
Direct Installment Purchased |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Indirect Installment |  |  | 165 |  |  |  | 202 |  |  |  | 431 |  |  |  | 372 |
Home Equity |  |  | 26 |  |  |  | — |  |  |  | 137 |  |  |  | 32 |
Total consumer |  |  | 201 |  |  |  | 256 |  |  |  | 617 |  |  |  | 852 |
Total loan recoveries |  |  | 300 |  |  |  | 387 |  |  |  | 1,221 |  |  |  | 1,056 |
Net loans charged-off (recovered) |  |  | 1,241 |  |  |  | 1,414 |  |  |  | 1,912 |  |  |  | 2,203 |
Provision charged to operating expense |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial |  |  | 1,563 |  |  |  | (940 | ) |  |  | 1,682 |  |  |  | 802 |
Real estate |  |  | 697 |  |  |  | 675 |  |  |  | (290 | ) |  |  | 986 |
Consumer |  |  | (519 | ) |  |  | 994 |  |  |  | 688 |  |  |  | 1,025 |
Total provision charged to operating expense |  |  | 1,741 |  |  |  | 729 |  |  |  | 2,080 |  |  |  | 2,813 |
Balance at the end of the period |  | $ | 16,160 |  |  | $ | 18,880 |  |  | $ | 16,160 |  |  | $ | 18,880 |
Allowance for Loan Losses and Recorded Investment in Loans by Portfolio Segment | The following table presents the balance in the allowance for loan losses and the recorded investment in loans by portfolio segment and based on impairment analysis:
September 30, 2014 |  | Commercial |  |  | Real Estate |  |  | Mortgage Warehousing |  |  | Consumer |  |  | Total |
Allowance For Loan Losses |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Ending allowance balance attributable to loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Individually evaluated for impairment |  | $ | 1,175 |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | 1,175 |
Collectively evaluated for impairment |  |  | 5,846 |  |  |  | 3,304 |  |  |  | 1,300 |  |  |  | 4,041 |  |  |  | 14,491 |
Loans acquired with deteriorated credit quality |  |  | 494 |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 494 |
Total ending allowance balance |  | $ | 7,515 |  |  | $ | 3,304 |  |  | $ | 1,300 |  |  | $ | 4,041 |  |  | $ | 16,160 |
Loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Individually evaluated for impairment |  | $ | 8,497 |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | 8,497 |
Collectively evaluated for impairment |  |  | 669,867 |  |  |  | 252,807 |  |  |  | 105,613 |  |  |  | 309,774 |  |  |  | 1,338,061 |
Loans acquired with deteriorated credit quality |  |  | 591 |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 591 |
Total ending loans balance |  | $ | 678,955 |  |  | $ | 252,807 |  |  | $ | 105,613 |  |  | $ | 309,774 |  |  | $ | 1,347,149 |
December 31, 2013 |  | Commercial |  |  | Real Estate |  |  | Mortgage Warehousing |  |  | Consumer |  |  | Total |
Allowance For Loan Losses |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Ending allowance balance attributable to loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Individually evaluated for impairment |  | $ | 1,312 |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | 1,312 |
Collectively evaluated for impairment |  |  | 4,963 |  |  |  | 3,462 |  |  |  | 1,638 |  |  |  | 4,228 |  |  |  | 14,291 |
Loans acquired with deteriorated credit quality |  |  | 389 |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 389 |
Total ending allowance balance |  | $ | 6,664 |  |  | $ | 3,462 |  |  | $ | 1,638 |  |  | $ | 4,228 |  |  | $ | 15,992 |
Loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Individually evaluated for impairment |  | $ | 7,448 |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | 7,448 |
Collectively evaluated for impairment |  |  | 489,547 |  |  |  | 186,526 |  |  |  | 98,636 |  |  |  | 279,448 |  |  |  | 1,054,157 |
Loans acquired with deteriorated credit quality |  |  | 9,355 |  |  |  | 24 |  |  |  | — |  |  |  | 1,030 |  |  |  | 10,409 |
Total ending loans balance |  | $ | 506,350 |  |  | $ | 186,550 |  |  | $ | 98,636 |  |  | $ | 280,478 |  |  | $ | 1,072,014 |

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