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Non-performing Loans and Impaired Loans (Tables)

3 Months Ended

Mar. 31, 2015

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:

March 31, 2015		Non-accrual				Loans Past Due Over 90 Days Still Accruing				Non- Performing TDRs				Performing TDRs				Total Non- Performing Loans
Commercial
Owner occupied real estate		$	1,452			$	—			$	—			$	41			$	1,493
Non owner occupied real estate			5,558				—				2,378				560				8,496
Residential development			—				—				—				—				—
Development & Spec Land Loans			—				—				—				—				—
Commercial and industrial			566				—				985				—				1,551
Total commercial			7,576				—				3,363				601				11,540
Real estate
Residential mortgage			2,547				—				748				2,506				5,801
Residential construction			—				—				261				—				261
Mortgage warehouse			—				—				—				—				—
Total real estate			2,547				—				1,009				2,506				6,062
Consumer
Direct Installment			334				—				—				—				334
Direct Installment Purchased			—				—				—				—				—
Indirect Installment			506				19				—				—				525
Home Equity			2,319				—				339				1,261				3,919
Total Consumer			3,159				19				339				1,261				4,778
Total		$	13,282			$	19			$	4,711			$	4,368			$	22,380
December 31, 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		$	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

Loans Transferred and Classified as Troubled Debt Restructured Loans

Loans transferred and classified as troubled debt restructuring during the three months ended March 31, 2015 and 2014, segregated by class, are shown in the table below.

		March 31, 2015								March 31, 2014
Commercial		Number of Defaults				Unpaid Principal Balance				Number of Defaults				Unpaid Principal Balance
Owner occupied real estate			1			$	2				—			$	—
Non owner occupied real estate			—				—				—				—
Residential development			—				—				—				—
Development & Spec Land Loans			—				—				—				—
Commercial and industrial			—				—				2				398
Total commercial			1				2				2				398
Real estate
Residential mortgage			—				—				—				—
Residential construction			—				—				—				—
Mortgage warehouse			—				—				—				—
Total real estate			—				—				—				—
Consumer
Direct Installment			—				—				—				—
Direct Installment Purchased			—				—				—				—
Indirect Installment			—				—				—				—
Home Equity			1				32				1				146
Total Consumer			1				32				1				146
			—				—
Total			2			$	34				3			$	544

Troubled debt restructured loans which had payment defaults during the three months ended March 31, 2015 and 2014, 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.

		March 31, 2015								March 31, 2014
Commercial		Number of Defaults				Unpaid Principal Balance				Number of Defaults				Unpaid Principal Balance
Owner occupied real estate			1			$	2				—			$	—
Non owner occupied real estate			—				—				—				—
Residential development			—				—				—				—
Development & Spec Land Loans			—				—				—				—
Commercial and industrial			—				—				2				398
Total commercial			1				2				2				398
Real estate
Residential mortgage			—				—				1				154
Residential construction			—				—				—				—
Mortgage warehouse			—				—				—				—
Total real estate			—				—				1				154
Consumer
Direct Installment			—				—				—				—
Direct Installment Purchased			—				—				—				—
Indirect Installment			—				—				—				—
Home Equity			—				—				1				146
Total Consumer			—				—				1				146
			—				—
Total			1			$	2				4			$	698

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
March 31, 2015		Unpaid Principal Balance				Recorded Investment				Allowance For Loan Loss Allocated				Average Balance in Impaired Loans				Cash/Accrual Interest Income Recognized
With no recorded allowance
Commercial
Owner occupied real estate		$	1,076			$	1,077			$	—			$	1,329			$	2
Non owner occupied real estate			3,907				3,912				—				4,534				6
Residential development			—				—				—				—				—
Development & Spec Land Loans			—				—				—				—				—
Commercial and industrial			609				609				—				649				—
Total commercial			5,592				5,598				—				6,512				8
With an allowance recorded
Commercial
Owner occupied real estate			417				417				165				419				—
Non owner occupied real estate			1,590				1,590				184				1,590				—
Residential development			—				—				—				—				—
Development & Spec Land Loans			—				—				—				—				—
Commercial and industrial			942				942				680				949				—
Total commercial			2,949				2,949				1,029				2,958				—
Total		$	8,541			$	8,547			$	1,029			$	9,470			$	8

														Three Months Ending
March 31, 2014		Unpaid Principal Balance				Recorded Investment				Allowance For Loan Loss Allocated				Average Balance in Impaired Loans				Cash/Accrual Interest Income Recognized
With no recorded allowance
Commercial
Owner occupied real estate		$	1,145			$	1,148			$	—			$	1,759			$	12
Non owner occupied real estate			3,443				3,446				—				3,514				5
Residential development			—				—				—				—				—
Development & Spec Land Loans			24				24				—				24				—
Commercial and industrial			333				349				—				608				—
Total commercial			4,945				4,967				—				5,905				17
With an allowance recorded
Commercial
Owner occupied real estate			—				—				—				(1	)			—
Non owner occupied real estate			347				347				170				353				—
Residential development			—				—				—				—				—
Development & Spec Land Loans			138				138				40				142				—
Commercial and industrial			1,883				1,883				1,080				1,727				2
Total commercial			2,368				2,368				1,290				2,221				2
Total		$	7,313			$	7,335			$	1,290			$	8,126			$	19

Payment Status by Class of Loan

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

March 31, 2015		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		$	266			$	138			$	—			$	404			$	239,623			$	240,027
Non owner occupied real estate			—				84				—				84				308,336				308,420
Residential development			—				—				—				—				3,409				3,409
Development & Spec Land Loans			—				—				—				—				11,229				11,229
Commercial and industrial			320				—				—				320				131,102				131,422
Total commercial			586				222				—				808				693,699				694,507
Real estate
Residential mortgage			357				435				—				792				243,289				244,081
Residential construction			—				—				—				—				15,763				15,763
Mortgage warehouse			—				—				—				—				178,899				178,899
Total real estate			357				435				—				792				437,951				438,743
Consumer
Direct Installment			142				7				—				149				41,327				41,476
Direct Installment Purchased			—				—				—				—				195				195
Indirect Installment			559				80				19				658				146,280				146,938
Home Equity			1,038				519				—				1,557				136,901				138,458
Total consumer			1,739				606				19				2,364				324,703				327,067
Total		$	2,682			$	1,263			$	19			$	3,964			$	1,456,353			$	1,460,317
Percentage of total loans			0.18	%			0.09	%			0.00	%			0.27	%			99.73	%
December 31, 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		$	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	%

Loans by Credit Grades

The following table presents loans by credit grades.

March 31, 2015		Pass				Special Mention				Substandard				Doubtful				Total
Commercial
Owner occupied real estate		$	227,083			$	7,728			$	5,216			$	—			$	240,027
Non owner occupied real estate			296,948				2,330				9,142				—				308,420
Residential development			3,409				—				—				—				3,409
Development & Spec Land Loans			11,153				76				—				—				11,229
Commercial and industrial			128,280				985				2,157				—				131,422
Total commercial			666,873				11,119				16,515				—				694,507
Real estate
Residential mortgage			238,280				—				5,801				—				244,081
Residential construction			15,502				—				261				—				15,763
Mortgage warehouse			178,899				—				—				—				178,899
Total real estate			432,681				—				6,062				—				438,743
Consumer
Direct Installment			41,142				—				334				—				41,476
Direct Installment Purchased			195				—				—				—				195
Indirect Installment			146,413				—				525				—				146,938
Home Equity			134,539				—				3,919				—				138,458
Total Consumer			322,289				—				4,778				—				327,067
Total		$	1,421,843			$	11,119			$	27,355			$	—			$	1,460,317
Percentage of total loans			97.37	%			0.76	%			1.87	%			0.00	%
December 31, 2014		Pass				Special Mention				Substandard				Doubtful				Total
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	%

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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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