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Non-performing Loans and Impaired Loans (Tables)

6 Months Ended

Jun. 30, 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:

June 30, 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		$	4,447			$	—			$	—			$	150			$	4,597
Non owner occupied real estate			4,898				207				2,352				68				7,525
Residential development			—				—				—				—				—
Development & Spec Land Loans			—				—				—				—				—
Commercial and industrial			477				—				785				—				1,262
Total commercial			9,822				207				3,137				218				13,384
Real estate
Residential mortgage			2,319				—				760				2,482				5,561
Residential construction			—				—				258				—				258
Mortgage warehouse			—				—				—				—				—
Total real estate			2,319				—				1,018				2,482				5,819
Consumer
Direct Installment			447				—				—				—				447
Direct Installment Purchased			—				—				—				—				—
Indirect Installment			405				—				—				—				405
Home Equity			2,057				—				368				571				2,996
Total Consumer			2,909				—				368				571				3,848
Total		$	15,050			$	207			$	4,523			$	3,271			$	23,051

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 and six months ended June 30, 2015 and 2014, segregated by class, are shown in the table below.

		Three Months Ending June 30, 2015								Three Months Ending June 30, 2014								Six Months Ending June 30, 2015								Six Months Ending June 30, 2014
		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			2			$	111				—			$	—				3			$	2,462				—			$	—
Non owner occupied real estate			—				—				—				—				—				—				—				—
Residential development			—				—				—				—				—				—				—				—
Development & Spec Land Loans			—				—				—				—				—				—				—				—
Commercial and industrial			—				—				—				—				—				—				2				371
Total commercial			2				111				—				—				3				2,462				2				371
Real estate
Residential mortgage			1				81				1				226				1				81				1				226
Residential construction			—				—				—				—				—				—				—				—
Mortgage warehouse			—				—				—				—				—				—				—				—
Total real estate			1				81				1				226				1				81				1				226
Consumer
Direct Installment			—				—				—				—				—				—				—				—
Direct Installment Purchased			—				—				—				—				—				—				—				—
Indirect Installment			—				—				—				—				—				—				—				—
Home Equity			—				—				1				51				1				32				2				196
Total Consumer			—				—				1				51				1				32				2				196
			—				—												—				—
Total			3			$	192				2			$	277				5			$	2,575				5			$	793

Troubled debt restructured loans which had payment defaults during the three and six months ended June 30, 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.

		Three Months Ending June 30, 2015								Three Months Ending June 30, 2014								Six Months Ending June 30, 2015								Six Months Ending June 30, 2014
		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			—			$	—				—			$	—				1			$	2,352				—			$	—
Non owner occupied real estate			—				—				—				—				—				—				—				—
Residential development			—				—				—				—				—				—				—				—
Development & Spec Land Loans			—				—				—				—				—				—				—				—
Commercial and industrial			—				—				—				—				—				—				2				371
Total commercial			—				—				—				—				1				2,352				2				371
Real estate
Residential mortgage			1				81				1				223				1				81				2				377
Residential construction			—				—				—				—				—				—				—				—
Mortgage warehouse			—				—				—				—				—				—				—				—
Total real estate			1				81				1				223				1				81				2				377
Consumer
Direct Installment			—				—				—				—				—				—				—				—
Direct Installment Purchased			—				—				—				—				—				—				—				—
Indirect Installment			—				—				—				—				—				—				—				—
Home Equity			1				32				1				51				1				32				2				196
Total Consumer			1				32				1				51				1				32				2				196
			—				—												—				—
Total			2			$	113				2			$	274				3			$	2,465				6			$	944

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								Six Months Ending
June 30, 2015		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		$	1,605			$	1,606			$	—			$	1,350			$	17			$	1,118			$	17
Non owner occupied real estate			2,820				2,824				—				3,168				7				3,270				14
Residential development			—				—				—				—				—				—				—
Development & Spec Land Loans			—				—				—				—				—				—				—
Commercial and industrial			379				379				—				639				—				599				—
Total commercial			4,804				4,809				—				5,157				24				4,987				31
With an allowance recorded
Commercial
Owner occupied real estate			2,991				2,991				593				4,366				54				1,992				54
Non owner occupied real estate			1,590				1,590				200				1,590				—				1,590				—
Residential development			—				—				—				—				—				—				—
Development & Spec Land Loans			—				—				—				—				—				—				—
Commercial and industrial			884				884				498				1,008				—				974				—
Total commercial			5,465				5,465				1,291				6,964				54				4,556				54
Total		$	10,269			$	10,274			$	1,291			$	12,121			$	78			$	9,543			$	85

														Three Months Ending								Six Months Ending
June 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		$	2,121			$	2,124			$	—			$	1,885			$	40			$	1,432			$	51
Non owner occupied real estate			3,244				3,246				—				3,270				93				3,283				98
Residential development			—				—				—				—				—				—				—
Development & Spec Land Loans			—				—				—				—				—				—				—
Commercial and industrial			283				283				—				441				—				466				—
Total commercial			5,648				5,653				—				5,596				133				5,181				149
With an allowance recorded
Commercial
Owner occupied real estate			—				—				—				—				—				—				—
Non owner occupied real estate			340				340				170				342				—				347				—
Residential development			—				—				—				—				—				—				—
Development & Spec Land Loans			—				—				—				—				—				—				—
Commercial and industrial			1,722				1,722				965				1,710				—				1,570				2
Total commercial			2,062				2,062				1,135				2,052				—				1,917				2
Total		$	7,710			$	7,715			$	1,135			$	7,648			$	133			$	7,098			$	151

Payment Status by Class of Loan

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

June 30, 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		$	157			$	21			$	—			$	178			$	238,705			$	238,883
Non owner occupied real estate			82				—				207				289				313,582				313,871
Residential development			—				—				—				—				2,606				2,606
Development & Spec Land Loans			—				—				—				—				13,593				13,593
Commercial and industrial			591				46				—				637				139,186				139,823
Total commercial			830				67				207				1,104				707,672				708,776
Real estate
Residential mortgage			308				147				—				455				257,340				257,795
Residential construction			—				—				—				—				19,087				19,087
Mortgage warehouse			—				—				—				—				195,924				195,924
Total real estate			308				147				—				455				472,351				472,806
Consumer
Direct Installment			138				41				—				179				43,940				44,119
Direct Installment Purchased			—				—				—				—				179				179
Indirect Installment			721				130				—				851				151,417				152,268
Home Equity			699				245				—				944				139,372				140,316
Total consumer			1,558				416				—				1,974				334,908				336,882
Total		$	2,696			$	630			$	207			$	3,533			$	1,514,931			$	1,518,464
Percentage of total loans			0.18	%			0.04	%			0.01	%			0.23	%			99.77	%

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.

June 30, 2015		Pass				Special Mention				Substandard				Doubtful				Total
Commercial
Owner occupied real estate		$	224,414			$	6,299			$	8,170			$	—			$	238,883
Non owner occupied real estate			303,292				2,442				8,137				—				313,871
Residential development			2,606				—				—				—				2,606
Development & Spec Land Loans			13,520				73				—				—				13,593
Commercial and industrial			136,586				991				2,246				—				139,823
Total commercial			680,416				9,805				18,553				—				708,776
Real estate
Residential mortgage			252,234				—				5,561				—				257,795
Residential construction			18,829				—				258				—				19,087
Mortgage warehouse			195,924				—				—				—				195,924
Total real estate			466,987				—				5,819				—				472,806
Consumer
Direct Installment			43,672				—				447				—				44,119
Direct Installment Purchased			179				—				—				—				179
Indirect Installment			151,863				—				405				—				152,268
Home Equity			137,320				—				2,996				—				140,316
Total Consumer			333,034				—				3,848				—				336,882
Total		$	1,480,437			$	9,805			$	28,220			$	—			$	1,518,464
Percentage of total loans			97.50	%			0.65	%			1.86	%			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	%

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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Tabular disclosure of financing receivables that are past due but not impaired, financing receivables that are 90 days past due and still accruing, and financing receivables on nonaccrual status.

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Tabular disclosure of troubled debt restructurings in the periods following the restructuring, including: (1) a description of the portion of the recorded [restructured] debt which is contingently payable based on the occurrence of future events or circumstances; (2) the dollar amount of the portion of the recorded [restructured] debt which is contingently payable based on the occurrence of future events or circumstances; and (3) a description of the circumstance, events, or conditions that would cause payments to occur or the creditor to forgive the contingent portion of recorded debt.

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Tabular disclosure of nonaccrual and past due financing receivables (such as loans and trade receivables), including: (a) the recorded investment in loans and trade receivables, if applicable, on nonaccrual status as of each balance sheet date (b) the recorded investment in loans and trade receivables, if applicable, past due 90 days or more and still accruing.

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