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Non-performing Loans and Impaired Loans (Tables)

6 Months Ended

Jun. 30, 2016

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, 2016		Non-accrual				Loans Past Due Over 90 Days Still Accruing				Non- Performing TDRs				Performing TDRs				Total Non- Performing Loans
Commercial
Owner occupied real estate		$	1,054			$	—			$	—			$	—			$	1,054
Non owner occupied real estate			2,901				—				243				60				3,204
Residential development			—				—				—				—				—
Development & Spec Land Loans			—				—				—				—				—
Commercial and industrial			71				—				—				—				71
Total commercial			4,026				—				243				60				4,329
Real estate
Residential mortgage			3,664				1				803				950				5,418
Residential construction			—				—				242				—				242
Mortgage warehouse			—				—				—				—				—
Total real estate			3,664				1				1,045				950				5,660
Consumer
Direct Installment			345				—				—				—				345
Direct Installment Purchased			—				—				—				—				—
Indirect Installment			837				23				—				—				860
Home Equity			1,554				—				178				246				1,978
Total Consumer			2,736				23				178				246				3,183
Total		$	10,426			$	24			$	1,466			$	1,256			$	13,172
December 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		$	1,749			$	—			$	—			$	—			$	1,749
Non owner occupied real estate			3,034				—				1,915				60				5,009
Residential development			—				—				—				—				—
Development & Spec Land Loans			71				—				—				—				71
Commercial and industrial			176				—				—				—				176
Total commercial			5,030				—				1,915				60				7,005
Real estate
Residential mortgage			4,354				1				824				808				5,987
Residential construction			—				—				250				—				250
Mortgage warehouse			—				—				—				—				—
Total real estate			4,354				1				1,074				808				6,237
Consumer
Direct Installment			541				—				—				—				541
Direct Installment Purchased			—				—				—				—				—
Indirect Installment			601				27				—				—				628
Home Equity			1,736				—				183				350				2,269
Total Consumer			2,878				27				183				350				3,438
Total		$	12,262			$	28			$	3,172			$	1,218			$	16,680

Commercial Loans Individually Evaluated for Impairment by Class of Loan

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

														Three Months Ending								Six Months Ending
June 30, 2016		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		$	1,054			$	1,054			$	—			$	1,062			$	—			$	1,079			$	—
Non owner occupied real estate			476				480				—				600				1				1,331				2
Residential development			—				—				—				—				—				—				—
Development & Spec Land Loans			—				—				—				—				—				—				—
Commercial and industrial			71				71				—				320				—				325				—
Total commercial			1,601				1,605				—				1,982				1				2,735				2
With an allowance recorded
Commercial
Owner occupied real estate			—				—				—				—				—				—				—
Non owner occupied real estate			2,729				2,739				500				2,747				—				2,757				—
Residential development			—				—				—				—				—				—				—
Development & Spec Land Loans			—				—				—				—				—				—				—
Commercial and industrial			—				—				—				—				—				—				—
Total commercial			2,729				2,739				500				2,747				—				2,757				—
Total		$	4,330			$	4,344			$	500			$	4,729			$	1			$	5,492			$	2

														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

Payment Status by Class of Loan

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

June 30, 2016		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		$	98			$	437			$	—			$	535			$	297,946			$	298,481
Non owner occupied real estate			20				—				—				20				343,340				343,360
Residential development			—				—				—				—				7,660				7,660
Development & Spec Land Loans			2				—				—				2				23,169				23,171
Commercial and industrial			—				91				—				91				199,842				199,933
Total commercial			120				528				—				648				871,957				872,605
Real estate
Residential mortgage			1,023				300				1				1,324				472,239				473,563
Residential construction			—				271				—				271				17,515				17,786
Mortgage warehouse			—				—				—				—				205,699				205,699
Total real estate			1,023				571				1				1,595				695,453				697,048
Consumer
Direct Installment			155				16				—				171				58,934				59,105
Direct Installment Purchased			—				—				—				—				131				131
Indirect Installment			493				75				23				591				144,344				144,935
Home Equity			310				134				—				444				160,511				160,955
Total consumer			958				225				23				1,206				363,920				365,126
Total		$	2,101			$	1,324			$	24			$	3,449			$	1,931,330			$	1,934,779
Percentage of total loans			0.11	%			0.07	%			0.00	%			0.18	%			99.82	%
December 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		$	481			$	18			$	—			$	499			$	267,782			$	268,281
Non owner occupied real estate			49				—				—				49				326,350				326,399
Residential development			—				—				—				—				5,018				5,018
Development & Spec Land Loans			—				—				—				—				18,183				18,183
Commercial and industrial			32				—				—				32				184,879				184,911
Total commercial			562				18				—				580				802,212				802,792
Real estate
Residential mortgage			1,121				344				1				1,466				413,458				414,924
Residential construction			—				—				—				—				19,751				19,751
Mortgage warehouse			—				—				—				—				144,692				144,692
Total real estate			1,121				344				1				1,466				577,901				579,367
Consumer
Direct Installment			106				10				—				116				54,225				54,341
Direct Installment Purchased			—				—				—				—				153				153
Indirect Installment			1,186				268				27				1,481				150,042				151,523
Home Equity			1,193				203				—				1,396				155,768				157,164
Total consumer			2,485				481				27				2,993				360,188				363,181
Total		$	4,168			$	843			$	28			$	5,039			$	1,740,301			$	1,745,340
Percentage of total loans			0.24	%			0.05	%			0.00	%			0.29	%			99.71	%

Loans by Credit Grades

The following table presents loans by credit grades.

June 30, 2016		Pass				Special Mention				Substandard				Doubtful				Total
Commercial
Owner occupied real estate		$	282,204			$	8,716			$	7,561			$	—			$	298,481
Non owner occupied real estate			336,897				3,033				3,430				—				343,360
Residential development			7,660				—				—				—				7,660
Development & Spec Land Loans			23,171				—				—				—				23,171
Commercial and industrial			188,713				2,342				8,878				—				199,933
Total commercial			838,645				14,091				19,869				—				872,605
Real estate
Residential mortgage			468,145				—				5,418				—				473,563
Residential construction			17,544				—				242				—				17,786
Mortgage warehouse			205,699				—				—				—				205,699
Total real estate			691,388				—				5,660				—				697,048
Consumer
Direct Installment			58,760				—				345				—				59,105
Direct Installment Purchased			131				—				—				—				131
Indirect Installment			144,075				—				860				—				144,935
Home Equity			158,977				—				1,978				—				160,955
Total Consumer			361,943				—				3,183				—				365,126
Total		$	1,891,976			$	14,091			$	28,712			$	—			$	1,934,779
Percentage of total loans			97.79	%			0.73	%			1.48	%			0.00	%

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- 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.

+ References

Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 310
-SubTopic 10
-Section 55
-Paragraph 19
-URI http://asc.fasb.org/extlink&oid=32702940&loc=SL6953803-111525

Reference 2: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 310
-SubTopic 10
-Section 50
-Paragraph 29
-URI http://asc.fasb.org/extlink&oid=66008989&loc=SL6953659-111524

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Tabular disclosure of impaired financing receivables.

+ References

Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 310
-SubTopic 10
-Section 50
-Paragraph 15
-URI http://asc.fasb.org/extlink&oid=66008989&loc=d3e5212-111524

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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.

+ References

Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 310
-SubTopic 10
-Section 50
-Paragraph 7
-URI http://asc.fasb.org/extlink&oid=66008989&loc=d3e5111-111524

Reference 2: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 310
-SubTopic 10
-Section 50
-Paragraph 7A
-URI http://asc.fasb.org/extlink&oid=66008989&loc=SL6953401-111524

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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.

+ References

Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 310
-SubTopic 10
-Section 50
-Paragraph 7
-URI http://asc.fasb.org/extlink&oid=66008989&loc=d3e5111-111524

Reference 2: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Glossary Recorded Investment
-URI http://asc.fasb.org/extlink&oid=65880944

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