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Non-performing Loans and Impaired Loans (Tables) | 9 Months Ended
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Sep. 30, 2014
Text Block [Abstract] |
Non-accrual, Loans Past Due Over 90 Days Still on Accrual, and Troubled Debt Restructured ("TDRs") by Class of Loans | The following table presents the non-accrual, loans past due over 90 days still on accrual, and troubled debt restructured (“TDRs”) by class of loans:
September 30, 2014 |  | Non-accrual |  |  | Loans Past Due Over 90 Days Still Accruing |  |  | Non- Performing TDRs |  |  | Performing TDRs |  |  | Total Non- Performing Loans |
Commercial |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Owner occupied real estate |  | $ | 2,715 |  |  | $ | — |  |  | $ | — |  |  | $ | 781 |  |  | $ | 3,496 |
Non owner occupied real estate |  |  | 2,591 |  |  |  | — |  |  |  | — |  |  |  | 1,563 |  |  |  | 4,154 |
Residential development |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Development & Spec Land Loans |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Commercial and industrial |  |  | 547 |  |  |  | — |  |  |  | — |  |  |  | 1,125 |  |  |  | 1,672 |
Total commercial |  |  | 5,853 |  |  |  | — |  |  |  | — |  |  |  | 3,469 |  |  |  | 9,322 |
Real estate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Residential mortgage |  |  | 2,471 |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 2,471 |
Residential construction |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Mortgage warehouse |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Total real estate |  |  | 2,471 |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 2,471 |
Consumer |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Direct Installment |  |  | 259 |  |  |  | 3 |  |  |  | — |  |  |  | — |  |  |  | 262 |
Direct Installment Purchased |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Indirect Installment |  |  | 539 |  |  |  | 59 |  |  |  | — |  |  |  | — |  |  |  | 598 |
Home Equity |  |  | 1,706 |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 1,706 |
Total Consumer |  |  | 2,504 |  |  |  | 62 |  |  |  | — |  |  |  | — |  |  |  | 2,566 |
Total |  | $ | 10,828 |  |  | $ | 62 |  |  | $ | — |  |  | $ | 3,469 |  |  | $ | 14,359 |
December 31, 2013 |  | Non-accrual |  |  | Loans Past Due Over 90 Days Still Accruing |  |  | Non- Performing TDRs |  |  | Performing TDRs |  |  | Total Non- Performing Loans |
Commercial |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Owner occupied real estate |  | $ | 293 |  |  | $ | — |  |  | $ | 222 |  |  | $ | 778 |  |  | $ | 1,293 |
Non owner occupied real estate |  |  | 2,289 |  |  |  | 45 |  |  |  | 1,117 |  |  |  | 518 |  |  |  | 3,969 |
Residential development |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Development & Spec Land Loans |  |  | 182 |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 182 |
Commercial and industrial |  |  | 1,250 |  |  |  | — |  |  |  | 777 |  |  |  | — |  |  |  | 2,027 |
Total commercial |  |  | 4,014 |  |  |  | 45 |  |  |  | 2,116 |  |  |  | 1,296 |  |  |  | 7,471 |
Real estate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Residential mortgage |  |  | 2,459 |  |  |  | 2 |  |  |  | 719 |  |  |  | 2,686 |  |  |  | 5,866 |
Residential construction |  |  | — |  |  |  | — |  |  |  | 280 |  |  |  | — |  |  |  | 280 |
Mortgage warehouse |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Total real estate |  |  | 2,459 |  |  |  | 2 |  |  |  | 999 |  |  |  | 2,686 |  |  |  | 6,146 |
Consumer |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Direct Installment |  |  | 202 |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 202 |
Direct Installment Purchased |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Indirect Installment |  |  | 531 |  |  |  | 2 |  |  |  | — |  |  |  | — |  |  |  | 533 |
Home Equity |  |  | 2,542 |  |  |  | — |  |  |  | 311 |  |  |  | 1,072 |  |  |  | 3,925 |
Total Consumer |  |  | 3,275 |  |  |  | 2 |  |  |  | 311 |  |  |  | 1,072 |  |  |  | 4,660 |
Total |  | $ | 9,748 |  |  | $ | 49 |  |  | $ | 3,426 |  |  | $ | 5,054 |  |  | $ | 18,277 |
Loans Transferred and Classified as Troubled Debt Restructured Loans | Loans transferred and classified as troubled debt restructuring during the three and nine months ended September 30, 2014 and 2013, segregated by class, are shown in the table below.
|  | Three Months Ending |  |  | Three Months Ending |  |  | Nine Months Ending |  |  | Nine Months Ending |
|  | September 30, 2014 |  |  | September 30, 2013 |  |  | September 30, 2014 |  |  | September 30, 2013 |
|  | Number of Defaults |  |  | Unpaid Principal Balance |  |  | Number of Defaults |  |  | Unpaid Principal Balance |  |  | Number of Defaults |  |  | Unpaid Principal Balance |  |  | Number of Defaults |  |  | Unpaid Principal Balance |
Commercial |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Owner occupied real estate |  |  | — |  |  | $ | — |  |  |  | — |  |  | $ | — |  |  |  | — |  |  | $ | — |  |  |  | — |  |  | $ | — |
Non owner occupied real estate |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Residential development |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Development & Spec Land Loans |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Commercial and industrial |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 2 |  |  |  | 362 |  |  |  | — |  |  |  | — |
Total commercial |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 2 |  |  |  | 362 |  |  |  | — |  |  |  | — |
Real estate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Residential mortgage |  |  | 1 |  |  |  | 98 |  |  |  | 2 |  |  |  | 368 |  |  |  | 2 |  |  |  | 322 |  |  |  | 5 |  |  |  | 758 |
Residential construction |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Mortgage warehouse |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Total real estate |  |  | 1 |  |  |  | 98 |  |  |  | 2 |  |  |  | 368 |  |  |  | 2 |  |  |  | 322 |  |  |  | 5 |  |  |  | 758 |
Consumer |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Direct Installment |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Direct Installment Purchased |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Indirect Installment |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Home Equity |  |  | 1 |  |  |  | 163 |  |  |  | 1 |  |  |  | 997 |  |  |  | 3 |  |  |  | 358 |  |  |  | 1 |  |  |  | 997 |
Total Consumer |  |  | 1 |  |  |  | 163 |  |  |  | 1 |  |  |  | 997 |  |  |  | 3 |  |  |  | 358 |  |  |  | 1 |  |  |  | 997 |
|  |  | — |  |  |  | — |  |  |  |  |  |  |  |  |  |  |  | — |  |  |  | — |  |  |  |  |  |  |  |  |
Total |  |  | 2 |  |  | $ | 261 |  |  |  | 3 |  |  | $ | 1,365 |  |  |  | 7 |  |  | $ | 1,042 |  |  |  | 6 |  |  | $ | 1,755 |
Troubled debt restructured loans which had payment defaults during the three and nine months ended September 30, 2014 and 2013, 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 non-accrual.
|  | Three Months Ending |  |  | Three Months Ending |  |  | Nine Months Ending |  |  | Nine Months Ending |
|  | September 30, 2014 |  |  | September 30, 2013 |  |  | September 30, 2014 |  |  | September 30, 2013 |
|  | Number of Defaults |  |  | Unpaid Principal Balance |  |  | Number of Defaults |  |  | Unpaid Principal Balance |  |  | Number of Defaults |  |  | Unpaid Principal Balance |  |  | Number of Defaults |  |  | Unpaid Principal Balance |
Commercial |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Owner occupied real estate |  |  | — |  |  | $ | — |  |  |  | — |  |  | $ | — |  |  |  | — |  |  | $ | — |  |  |  | — |  |  | $ | — |
Non owner occupied real estate |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Residential development |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Development & Spec Land Loans |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Commercial and industrial |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 2 |  |  |  | 362 |  |  |  | — |  |  |  | — |
Total commercial |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 2 |  |  |  | 362 |  |  |  | — |  |  |  | — |
Real estate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Residential mortgage |  |  | 1 |  |  |  | 98 |  |  |  | — |  |  |  | — |  |  |  | 2 |  |  |  | 246 |  |  |  | 3 |  |  |  | 239 |
Residential construction |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Mortgage warehouse |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Total real estate |  |  | 1 |  |  |  | 98 |  |  |  | — |  |  |  | — |  |  |  | 2 |  |  |  | 246 |  |  |  | 3 |  |  |  | 239 |
Consumer |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Direct Installment |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Direct Installment Purchased |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Indirect Installment |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Home Equity |  |  | 1 |  |  |  | 163 |  |  |  | 1 |  |  |  | 997 |  |  |  | 3 |  |  |  | 358 |  |  |  | 1 |  |  |  | 997 |
Total Consumer |  |  | 1 |  |  |  | 163 |  |  |  | 1 |  |  |  | 997 |  |  |  | 3 |  |  |  | 358 |  |  |  | 1 |  |  |  | 997 |
|  |  | — |  |  |  | — |  |  |  |  |  |  |  |  |  |  |  | — |  |  |  | — |  |  |  |  |  |  |  |  |
Total |  |  | 2 |  |  | $ | 261 |  |  |  | 1 |  |  | $ | 997 |  |  |  | 7 |  |  | $ | 966 |  |  |  | 4 |  |  | $ | 1,236 |
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, 2014 |  | 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 |  | $ | 2,851 |  |  | $ | 2,854 |  |  | $ | — |  |  | $ | 2,126 |  |  | $ | 85 |  |  | $ | 1,525 |  |  | $ | 129 |
Non owner occupied real estate |  |  | 3,232 |  |  |  | 3,235 |  |  |  | — |  |  |  | 3,257 |  |  |  | 43 |  |  |  | 3,274 |  |  |  | 141 |
Residential development |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Development & Spec Land Loans |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Commercial and industrial |  |  | 281 |  |  |  | 281 |  |  |  | — |  |  |  | 367 |  |  |  | — |  |  |  | 433 |  |  |  | — |
Total commercial |  |  | 6,364 |  |  |  | 6,370 |  |  |  | — |  |  |  | 5,750 |  |  |  | 128 |  |  |  | 5,232 |  |  |  | 270 |
With an allowance recorded |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Owner occupied real estate |  |  | 403 |  |  |  | 403 |  |  |  | 13 |  |  |  | 406 |  |  |  | — |  |  |  | 274 |  |  |  | 6 |
Non owner occupied real estate |  |  | 333 |  |  |  | 333 |  |  |  | 150 |  |  |  | 335 |  |  |  | — |  |  |  | 343 |  |  |  | — |
Residential development |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Development & Spec Land Loans |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Commercial and industrial |  |  | 1,391 |  |  |  | 1,391 |  |  |  | 1,012 |  |  |  | 1,560 |  |  |  | — |  |  |  | 1,567 |  |  |  | 2 |
Total commercial |  |  | 2,127 |  |  |  | 2,127 |  |  |  | 1,175 |  |  |  | 2,301 |  |  |  | — |  |  |  | 2,184 |  |  |  | 8 |
Total |  | $ | 8,491 |  |  | $ | 8,497 |  |  | $ | 1,175 |  |  | $ | 8,051 |  |  | $ | 128 |  |  | $ | 7,416 |  |  | $ | 278 |
|  |  |  |  |  |  |  |  |  |  | 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 |
Payment Status by Class of Loan | The following table presents the payment status by class of loan:
September 30, 2014 |  | 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 |  | $ | 338 |  |  | $ | — |  |  | $ | — |  |  | $ | 338 |  |  | $ | 232,731 |  |  | $ | 233,069 |
Non owner occupied real estate |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 298,408 |  |  |  | 298,408 |
Residential development |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 1,289 |  |  |  | 1,289 |
Development & Spec Land Loans |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 12,574 |  |  |  | 12,574 |
Commercial and industrial |  |  | 134 |  |  |  | — |  |  |  | — |  |  |  | 134 |  |  |  | 130,548 |  |  |  | 130,682 |
Total commercial |  |  | 472 |  |  |  | — |  |  |  | — |  |  |  | 472 |  |  |  | 675,550 |  |  |  | 676,022 |
Real estate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Residential mortgage |  |  | 491 |  |  |  | 183 |  |  |  | — |  |  |  | 674 |  |  |  | 239,315 |  |  |  | 239,989 |
Residential construction |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 11,122 |  |  |  | 11,122 |
Mortgage warehouse |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 105,133 |  |  |  | 105,133 |
Total real estate |  |  | 491 |  |  |  | 183 |  |  |  | — |  |  |  | 674 |  |  |  | 355,570 |  |  |  | 356,244 |
Consumer |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Direct Installment |  |  | 139 |  |  |  | 32 |  |  |  | 3 |  |  |  | 174 |  |  |  | 36,546 |  |  |  | 36,720 |
Direct Installment Purchased |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 236 |  |  |  | 236 |
Indirect Installment |  |  | 986 |  |  |  | 273 |  |  |  | 59 |  |  |  | 1,318 |  |  |  | 137,820 |  |  |  | 139,138 |
Home Equity |  |  | 665 |  |  |  | 69 |  |  |  | — |  |  |  | 734 |  |  |  | 132,456 |  |  |  | 133,190 |
Total consumer |  |  | 1,790 |  |  |  | 374 |  |  |  | 62 |  |  |  | 2,226 |  |  |  | 307,058 |  |  |  | 309,284 |
Total |  | $ | 2,753 |  |  | $ | 557 |  |  | $ | 62 |  |  | $ | 3,372 |  |  | $ | 1,338,178 |  |  | $ | 1,341,550 |
Percentage of total loans |  |  | 0.21 | % |  |  | 0.04 | % |  |  | 0.00 | % |  |  | 0.25 | % |  |  | 99.75 | % |  |  |  |
December 31, 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 |  | $ | 341 |  |  | $ | — |  |  | $ | — |  |  | $ | 341 |  |  | $ | 155,921 |  |  | $ | 156,262 |
Non owner occupied real estate |  |  | 424 |  |  |  | — |  |  |  | 45 |  |  |  | 469 |  |  |  | 224,244 |  |  |  | 224,713 |
Residential development |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 400 |  |  |  | 400 |
Development & Spec Land Loans |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 21,289 |  |  |  | 21,289 |
Commercial and industrial |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 101,920 |  |  |  | 101,920 |
Total commercial |  |  | 765 |  |  |  | — |  |  |  | 45 |  |  |  | 810 |  |  |  | 503,774 |  |  |  | 504,584 |
Real estate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Residential mortgage |  |  | 445 |  |  |  | 87 |  |  |  | 2 |  |  |  | 534 |  |  |  | 175,534 |  |  |  | 176,068 |
Residential construction |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 9,508 |  |  |  | 9,508 |
Mortgage warehouse |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 98,156 |  |  |  | 98,156 |
Total real estate |  |  | 445 |  |  |  | 87 |  |  |  | 2 |  |  |  | 534 |  |  |  | 283,198 |  |  |  | 283,732 |
Consumer |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Direct Installment |  |  | 120 |  |  |  | 24 |  |  |  | — |  |  |  | 144 |  |  |  | 29,839 |  |  |  | 29,983 |
Direct Installment Purchased |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 294 |  |  |  | 294 |
Indirect Installment |  |  | 1,011 |  |  |  | 175 |  |  |  | 2 |  |  |  | 1,188 |  |  |  | 130,196 |  |  |  | 131,384 |
Home Equity |  |  | 767 |  |  |  | 58 |  |  |  | — |  |  |  | 825 |  |  |  | 117,133 |  |  |  | 117,958 |
Total consumer |  |  | 1,898 |  |  |  | 257 |  |  |  | 2 |  |  |  | 2,157 |  |  |  | 277,462 |  |  |  | 279,619 |
Total |  | $ | 3,108 |  |  | $ | 344 |  |  | $ | 49 |  |  | $ | 3,501 |  |  | $ | 1,064,434 |  |  | $ | 1,067,935 |
Percentage of total loans |  |  | 0.29 | % |  |  | 0.03 | % |  |  | 0.00 | % |  |  | 0.33 | % |  |  | 99.67 | % |
Loans by Credit Grades | The following table presents loans by credit grades.
September 30, 2014 |  | Pass |  |  | Special Mention |  |  | Substandard |  |  | Doubtful |  |  | Total |
Commercial |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Owner occupied real estate |  | $ | 221,514 |  |  | $ | 4,753 |  |  | $ | 6,802 |  |  | $ | — |  |  | $ | 233,069 |
Non owner occupied real estate |  |  | 278,452 |  |  |  | 6,668 |  |  |  | 13,288 |  |  |  | — |  |  |  | 298,408 |
Residential development |  |  | 1,030 |  |  |  | 259 |  |  |  | — |  |  |  | — |  |  |  | 1,289 |
Development & Spec Land Loans |  |  | 11,379 |  |  |  | 82 |  |  |  | 1,113 |  |  |  | — |  |  |  | 12,574 |
Commercial and industrial |  |  | 125,423 |  |  |  | 1,906 |  |  |  | 3,353 |  |  |  | — |  |  |  | 130,682 |
Total commercial |  |  | 637,798 |  |  |  | 13,668 |  |  |  | 24,556 |  |  |  | — |  |  |  | 676,022 |
Real estate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Residential mortgage |  |  | 237,518 |  |  |  | — |  |  |  | 2,471 |  |  |  | — |  |  |  | 239,989 |
Residential construction |  |  | 11,122 |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 11,122 |
Mortgage warehouse |  |  | 105,133 |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 105,133 |
Total real estate |  |  | 353,773 |  |  |  | — |  |  |  | 2,471 |  |  |  | — |  |  |  | 356,244 |
Consumer |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Direct Installment |  |  | 36,458 |  |  |  | — |  |  |  | 262 |  |  |  | — |  |  |  | 36,720 |
Direct Installment Purchased |  |  | 236 |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 236 |
Indirect Installment |  |  | 138,540 |  |  |  | — |  |  |  | 598 |  |  |  | — |  |  |  | 139,138 |
Home Equity |  |  | 131,484 |  |  |  | — |  |  |  | 1,706 |  |  |  | — |  |  |  | 133,190 |
Total Consumer |  |  | 306,718 |  |  |  | — |  |  |  | 2,566 |  |  |  | — |  |  |  | 309,284 |
Total |  | $ | 1,298,289 |  |  | $ | 13,668 |  |  | $ | 29,593 |  |  | $ | — |  |  | $ | 1,341,550 |
Percentage of total loans |  |  | 96.78 | % |  |  | 1.02 | % |  |  | 2.21 | % |  |  | 0.00 | % |  |  |  |
December 31, 2013 |  | Pass |  |  | Special Mention |  |  | Substandard |  |  | Doubtful |  |  | Total |
Commercial |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Owner occupied real estate |  | $ | 146,085 |  |  | $ | 2,231 |  |  | $ | 7,946 |  |  | $ | — |  |  | $ | 156,262 |
Non owner occupied real estate |  |  | 208,625 |  |  |  | 5,047 |  |  |  | 11,041 |  |  |  | — |  |  |  | 224,713 |
Residential development |  |  | 400 |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 400 |
Development & Spec Land Loans |  |  | 19,858 |  |  |  | 91 |  |  |  | 1,340 |  |  |  | — |  |  |  | 21,289 |
Commercial and industrial |  |  | 91,852 |  |  |  | 6,492 |  |  |  | 3,576 |  |  |  | — |  |  |  | 101,920 |
Total commercial |  |  | 466,820 |  |  |  | 13,861 |  |  |  | 23,903 |  |  |  | — |  |  |  | 504,584 |
Real estate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Residential mortgage |  |  | 170,202 |  |  |  | — |  |  |  | 5,866 |  |  |  | — |  |  |  | 176,068 |
Residential construction |  |  | 9,228 |  |  |  | — |  |  |  | 280 |  |  |  | — |  |  |  | 9,508 |
Mortgage warehouse |  |  | 98,156 |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 98,156 |
Total real estate |  |  | 277,586 |  |  |  | — |  |  |  | 6,146 |  |  |  | — |  |  |  | 283,732 |
Consumer |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Direct Installment |  |  | 29,781 |  |  |  | — |  |  |  | 202 |  |  |  | — |  |  |  | 29,983 |
Direct Installment Purchased |  |  | 294 |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 294 |
Indirect Installment |  |  | 130,851 |  |  |  | — |  |  |  | 533 |  |  |  | — |  |  |  | 131,384 |
Home Equity |  |  | 114,033 |  |  |  | — |  |  |  | 3,925 |  |  |  | — |  |  |  | 117,958 |
Total Consumer |  |  | 274,959 |  |  |  | — |  |  |  | 4,660 |  |  |  | — |  |  |  | 279,619 |
Total |  | $ | 1,019,365 |  |  | $ | 13,861 |  |  | $ | 34,709 |  |  | $ | — |  |  | $ | 1,067,935 |
Percentage of total loans |  |  | 95.45 | % |  |  | 1.30 | % |  |  | 3.25 | % |  |  | 0.00 | % |  |  |  |

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