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Non-performing Loans and Impaired Loans (Tables)

9 Months Ended

Sep. 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:

September 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		$	4,165			$	—			$	—			$	38			$	4,203
Non owner occupied real estate			3,211				—				2,334				69				5,614
Residential development			—				—				—				—				—
Development & Spec Land Loans			—				—				—				—				—
Commercial and industrial			456				—				559				—				1,015
Total commercial			7,832				—				2,893				107				10,832
Real estate
Residential mortgage			3,123				36				627				2,275				6,061
Residential construction			—				—				254				—				254
Mortgage warehouse			—				—				—				—				—
Total real estate			3,123				36				881				2,275				6,315
Consumer
Direct Installment			571				37				—				—				608
Direct Installment Purchased			—				—				—				—				—
Indirect Installment			631				27				—				—				658
Home Equity			1,799				—				220				566				2,585
Total Consumer			3,001				64				220				566				3,851
Total		$	13,956			$	100			$	3,994			$	2,948			$	20,998

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

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, 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		$	1,235			$	1,238			$	—			$	1,262			$	1			$	1,041			$	10
Non owner occupied real estate			2,798				2,801				—				2,815				1				2,846				4
Residential development			—				—				—				—				—				—				—
Development & Spec Land Loans			—				—				—				—				—				—				—
Commercial and industrial			239				239				—				583				4				415				4
Total commercial			4,272				4,278				—				4,660				6				4,302				18
With an allowance recorded
Commercial
Owner occupied real estate			2,967				2,966				598				2,968				—				2,191				55
Non owner occupied real estate			2,817				2,828				550				2,858				—				2,942				—
Residential development			—				—				—				—				—				—				—
Development & Spec Land Loans			—				—				—				—				—				—				—
Commercial and industrial			776				776				451				776				—				836				—
Total commercial			6,560				6,570				1,599				6,602				—				5,969				55
Total		$	10,832			$	10,848			$	1,599			$	11,262			$	6			$	10,271			$	73

														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

Payment Status by Class of Loan

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

September 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		$	329			$	15			$	—			$	344			$	273,476			$	273,820
Non owner occupied real estate			—				—				—				—				314,680				314,680
Residential development			—				—				—				—				3,049				3,049
Development & Spec Land Loans			—				—				—				—				18,394				18,394
Commercial and industrial			40				18				—				58				183,002				183,060
Total commercial			369				33				—				402				792,601				793,003
Real estate
Residential mortgage			1,879				205				36				2,120				406,240				408,360
Residential construction			—				—				—				—				20,069				20,069
Mortgage warehouse			—				—				—				—				138,974				138,974
Total real estate			1,879				205				36				2,120				565,283				567,403
Consumer
Direct Installment			133				31				37				201				50,209				50,410
Direct Installment Purchased			—				—				—				—				171				171
Indirect Installment			908				129				27				1,064				152,722				153,786
Home Equity			888				293				—				1,181				156,524				157,705
Total consumer			1,929				453				64				2,446				359,626				362,072
Total		$	4,177			$	691			$	100			$	4,968			$	1,717,510			$	1,722,478
Percentage of total loans			0.24	%			0.04	%			0.01	%			0.29	%			99.71	%

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.

September 30, 2015		Pass				Special Mention				Substandard				Doubtful				Total
Commercial
Owner occupied real estate		$	262,753			$	4,080			$	6,987			$	—			$	273,820
Non owner occupied real estate			306,709				1,657				6,314				—				314,680
Residential development			3,049				—				—				—				3,049
Development & Spec Land Loans			18,323				71				—				—				18,394
Commercial and industrial			178,926				1,528				2,606				—				183,060
Total commercial			769,760				7,336				15,907				—				793,003
Real estate
Residential mortgage			402,299				—				6,061				—				408,360
Residential construction			19,815				—				254				—				20,069
Mortgage warehouse			138,974				—				—				—				138,974
Total real estate			561,088				—				6,315				—				567,403
Consumer
Direct Installment			49,802				—				608				—				50,410
Direct Installment Purchased			171				—				—				—				171
Indirect Installment			153,128				—				658				—				153,786
Home Equity			155,120				—				2,585				—				157,705
Total Consumer			358,221				—				3,851				—				362,072
Total		$	1,689,069			$	7,336			$	26,073			$	—			$	1,722,478
Percentage of total loans			98.06	%			0.43	%			1.51	%			0.00	%
December 31, 2014		Pass				Special Mention				Substandard				Doubtful				Total
Commercial
Owner occupied real estate		$	215,874			$	7,623			$	4,883			$	—			$	228,380
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			642,026				13,959				17,074				—				673,059
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		$	1,335,853			$	13,959			$	27,661			$	—			$	1,377,472
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 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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-Name Accounting Standards Codification



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