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Non-performing Assets and Impaired Loans (Tables)

12 Months Ended

Dec. 31, 2014

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:

		Non-accrual				Loans Past Due Over 90 Days Still Accruing				Non- Performing TDRs				Performing TDRs				Total Non- Performing Loans
December 31, 2014
Commercial
Owner occupied real estate		$	1,773			$	—			$	—			$	44			$	1,817
Non owner occupied real estate			7,439				—				217				566				8,222
Residential development			—				—				—				—				—
Development & Spec Land Loans			—				—				—				—				—
Commercial and industrial			812				—				1,004				—				1,816
Total commercial			10,024				—				1,221				610				11,855
Real estate
Residential mortgage			2,297				40				765				2,526				5,628
Residential construction			—				—				266				—				266
Mortgage warehouse			—				—				—				—				—
Total real estate			2,297				40				1,031				2,526				5,894
Consumer
Direct Installment			227				10				—				—				237
Direct Installment Purchased			—				—				—				—				—
Indirect Installment			557				47				—				—				604
Home Equity			2,207				18				391				1,236				3,852
Total Consumer			2,991				75				391				1,236				4,693
Total		$	15,312			$	115			$	2,643			$	4,372			$	22,442
		Non-accrual				Loans Past Due Over 90 Days Still Accruing				Non- Performing TDRs				Performing TDRs				Total Non- Performing Loans
December 31, 2013
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 years ended December 31, 2014 and 2013, segregated by class, are shown in the table below.

		December 31, 2014								December 31, 2013
		Number of Defaults				Unpaid Principal Balance				Number of Defaults				Unpaid Principal Balance
Commercial
Owner occupied real estate			—			$	—				3			$	223
Non owner occupied real estate			—				—				3				942
Residential development			—				—				—				—
Development & Spec Land Loans			—				—				—				—
Commercial and industrial			1				247				—				—
Total commercial			1				247				6				1,165
Real estate
Residential mortgage			2				319				9				1,252
Residential construction			—				—				—				—
Mortgage warehouse			—				—				—				—
Total real estate			2				319				9				1,252
Consumer
Direct Installment			—				—				—				—
Direct Installment Purchased			—				—				—				—
Indirect Installment			—				—				—				—
Home Equity			4				404				7				915
Total Consumer			4				404				7				915
			—				—
Total			7			$	969				22			$	3,332

Troubled debt restructured loans which had payment defaults during the years ended December 31, 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 transferred to nonaccrual.

		December 31, 2014								December 31, 2013
		Number of Defaults				Unpaid Principal Balance				Number of Defaults				Unpaid Principal Balance
Commercial
Owner occupied real estate			—			$	—				3			$	223
Non owner occupied real estate			—				—				2				424
Residential development			—				—				—				—
Development & Spec Land Loans			—				—				—				—
Commercial and industrial			1				247				—				—
Total commercial			1				247				5				647
Real estate
Residential mortgage			2				243				3				355
Residential construction			—				—				—				—
Mortgage warehouse			—				—				—				—
Total real estate			2				243				3				355
Consumer
Direct Installment			—				—				—				—
Direct Installment Purchased			—				—				—				—
Indirect Installment			—				—				—				—
Home Equity			3				355				3				178
Total Consumer			3				355				3				178
			—				—
Total			6			$	845				11			$	1,180

Commercial Loans Individually Evaluated for Impairment by Class of Loans

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

														Twelve Months Ending
		Unpaid Principal Balance				Recorded Investment				Allowance For Loan Loss Allocated				Average Balance in Impaired Loans				Cash/Accrual Interest Income Recognized
December 31, 2014
With no recorded allowance
Commercial
Owner occupied real estate		$	1,169			$	1,170			$	—			$	645			$	65
Non owner occupied real estate			1,193				1,194				—				1,341				51
Residential development			—				—				—				—				—
Development & Spec Land Loans			—				—				—				—				—
Commercial and industrial			854				854				—				357				27
Total commercial			3,216				3,218				—				2,343				143
With an allowance recorded
Commercial
Owner occupied real estate			422				422				165				141				16
Non owner occupied real estate			6,453				6,453				744				1,995				208
Residential development			—				—				—				—				—
Development & Spec Land Loans			—				—				—				—				—
Commercial and industrial			962				962				680				798				12
Total commercial			7,837				7,837				1,589				2,934				236
Total		$	11,053			$	11,055			$	1,589			$	5,277			$	379

														Twelve Months Ending
		Unpaid Principal Balance				Recorded Investment				Allowance For Loan Loss Allocated				Average Balance in Impaired Loans				Cash/Accrual Interest Income Recognized
December 31, 2013
With no recorded allowance
Commercial
Owner occupied real estate		$	1,293			$	1,296			$	—			$	1,845			$	68
Non owner occupied real estate			3,521				3,525				—				2,963				172
Residential development			—				—				—				—				—
Development & Spec Land Loans			23				23				—				25				—
Commercial and industrial			390				405				—				712				—
Total commercial			5,227				5,249				—				5,545				240
With an allowance recorded
Commercial
Owner occupied real estate			—				—				—				—				—
Non owner occupied real estate			403				403				202				485				—
Residential development			—				—				—				—				—
Development & Spec Land Loans			159				159				48				166				—
Commercial and industrial			1,637				1,637				1,062				1,140				31
Total commercial			2,199				2,199				1,312				1,791				31
Total		$	7,426			$	7,448			$	1,312			$	7,336			$	271

														Twelve Months Ending
		Unpaid Principal Balance				Recorded Investment				Allowance For Loan Loss Allocated				Average Balance in Impaired Loans				Cash/Accrual Interest Income Recognized
December 31, 2012
With no recorded allowance
Commercial
Owner occupied real estate		$	4,890			$	4,901			$	—			$	2,422			$	80
Non owner occupied real estate			1,961				1,963				—				1,544				20
Residential development			—				—				—				—				—
Development & Spec Land Loans			133				133				—				61				—
Commercial and industrial			449				466				—				297				—
Total commercial			7,433				7,463				—				4,324				100
With an allowance recorded
Commercial
Owner occupied real estate			—				—				—				—				—
Non owner occupied real estate			1,795				1,795				1,080				481				95
Residential development			—				—				—				—				—
Development & Spec Land Loans			572				572				600				526				6
Commercial and industrial			797				797				265				806				—
Total commercial			3,164				3,164				1,945				1,813				101
Total		$	10,597			$	10,627			$	1,945			$	6,137			$	201

Payment Status by Class of Loan

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

		30 - 59 Days Past Due				60 - 89 Days Past Due				Greater than 90 Days Past Due				Total Past Due				Loans Not Past Due				Total
December 31, 2014
Commercial
Owner occupied real estate		$	103			$	645			$	—			$	748			$	227,632			$	228,380
Non owner occupied real estate			413				—				—				413				296,886				297,299
Residential development			—				—				—				—				2,027				2,027
Development & Spec Land Loans			—				—				—				—				12,097				12,097
Commercial and industrial			19				1				—				20				133,236				133,256
Total commercial			535				646				—				1,181				671,878				673,059
Real estate
Residential mortgage			1,033				193				40				1,266				241,255				242,521
Residential construction			—				—				—				—				11,505				11,505
Mortgage warehouse			—				—				—				—				129,156				129,156
Total real estate			1,033				193				40				1,266				381,916				383,182
Consumer
Direct Installment			113				4				10				127				40,010				40,137
Direct Installment Purchased			—				—				—				—				219				219
Indirect Installment			1,042				243				47				1,332				140,536				141,868
Home Equity			1,084				189				18				1,291				137,716				139,007
Total consumer			2,239				436				75				2,750				318,481				321,231
Total		$	3,807			$	1,275			$	115			$	5,197			$	1,372,275			$	1,377,472
Percentage of total loans			0.28	%			0.09	%			0.01	%			0.38	%			99.62	%

		30 - 59 Days Past Due				60 - 89 Days Past Due				Greater than 90 Days Past Due				Total Past Due				Loans Not Past Due				Total
December 31, 2013
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.

		Pass				Special Mention				Substandard				Doubtful				Total
December 31, 2014
Commercial
Owner occupied real estate		$	215,875			$	7,623			$	4,883			$	—			$	228,381
Non owner occupied real estate			283,518				4,458				9,323				—				297,299
Residential development			2,027				—				—				—				2,027
Development & Spec Land Loans			12,018				79				—				—				12,097
Commercial and industrial			128,589				1,799				2,868				—				133,256
Total commercial			642,027				13,959				17,074				—				673,060
Real estate
Residential mortgage			236,893				—				5,628				—				242,521
Residential construction			11,239				—				266				—				11,505
Mortgage warehouse			129,156				—				—				—				129,156
Total real estate			377,288				—				5,894				—				383,182
Consumer
Direct Installment			39,900				—				237				—				40,137
Direct Installment Purchased			219				—				—				—				219
Indirect Installment			141,264				—				604				—				141,868
Home Equity			135,155				—				3,852				—				139,007
Total Consumer			316,538				—				4,693				—				321,231
Total		$	1,335,854			$	13,959			$	27,661			$	—			$	1,377,473
Percentage of total loans			96.98	%			1.01	%			2.01	%			0.00	%

		Pass				Special Mention				Substandard				Doubtful				Total
December 31, 2013
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	%

X

- 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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