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Non-performing Loans and Impaired Loans (Tables)

9 Months Ended

Sep. 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:

September 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		$	566			$	—			$	—			$	—			$	566
Non owner occupied real estate			2,734				—				240				60				3,034
Residential development			—				—				—				—				—
Development & Spec Land Loans			137				—				—				—				137
Commercial and industrial			1,740				—				—				—				1,740
Total commercial			5,177				—				240				60				5,477
Real estate
Residential mortgage			1,094				44				870				863				2,871
Residential construction			—				—				238				—				238
Mortgage warehouse			—				—				—				—				—
Total real estate			1,094				44				1,108				863				3,109
Consumer
Direct Installment			1,505				—				—				—				1,505
Direct Installment Purchased			—				—				—				—				—
Indirect Installment			970				15				—				—				985
Home Equity			1,345				—				175				241				1,761
Total Consumer			3,820				15				175				241				4,251
Total		$	10,091			$	59			$	1,523			$	1,164			$	12,837
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								Nine Months Ending
September 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		$	994			$	995			$	—			$	1,029			$	—			$	1,062			$	—
Non owner occupied real estate			3,106				3,120				—				3,150				1				3,776				3
Residential development			—				—				—				—				—				—				—
Development & Spec Land Loans			—				—				—				—				—				—				—
Commercial and industrial			1,740				1,740				—				1,984				—				878				—
Total commercial			5,840				5,855				—				6,163				1				5,716				3
With an allowance recorded
Commercial
Owner occupied real estate			—				—				—				—				—				—				—
Non owner occupied real estate			—				—				—				—				—				—				—
Residential development			—				—				—				—				—				—				—
Development & Spec Land Loans			—				—				—				—				—				—				—
Commercial and industrial			—				—				—				—				—				—				—
Total commercial			—				—				—				—				—				—				—
Total		$	5,840			$	5,855			$	—			$	6,163			$	1			$	5,716			$	3
														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

Payment Status by Class of Loan

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

September 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		$	282			$	17			$	—			$	299			$	321,463			$	321,762
Non owner occupied real estate			180				103				—				283				457,272				457,555
Residential development			—				—				—				—				7,949				7,949
Development & Spec Land Loans			32				—				—				32				39,766				39,798
Commercial and industrial			361				267				—				628				217,786				218,414
Total commercial			855				387				—				1,242				1,044,236				1,045,478
Real estate
Residential mortgage			982				210				43				1,235				505,310				506,545
Residential construction			—				—				—				—				21,061				21,061
Mortgage warehouse			—				—				—				—				226,876				226,876
Total real estate			982				210				43				1,235				753,247				754,482
Consumer
Direct Installment			42				30				—				72				66,423				66,495
Direct Installment Purchased			—				—				—				—				124				124
Indirect Installment			805				49				15				869				146,960				147,829
Home Equity			436				26				—				462				172,443				172,905
Total consumer			1,283				105				15				1,403				385,950				387,353
Total		$	3,120			$	702			$	58			$	3,880			$	2,183,433			$	2,187,313
Percentage of total loans			0.14	%			0.03	%			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.

September 30, 2016		Pass				Special Mention				Substandard				Doubtful				Total
Commercial
Owner occupied real estate		$	305,849			$	5,258			$	10,655			$	—			$	321,762
Non owner occupied real estate			450,811				344				6,400				—				457,555
Residential development			7,949				—				—				—				7,949
Development & Spec Land Loans			39,571				—				227				—				39,798
Commercial and industrial			207,998				1,419				8,997				—				218,414
Total commercial			1,012,178				7,021				26,279				—				1,045,478
Real estate
Residential mortgage			503,821				—				2,724				—				506,545
Residential construction			20,823				—				238				—				21,061
Mortgage warehouse			226,876				—				—				—				226,876
Total real estate			751,520				—				2,962				—				754,482
Consumer
Direct Installment			64,990				—				1,505				—				66,495
Direct Installment Purchased			124				—				—				—				124
Indirect Installment			146,844				—				985				—				147,829
Home Equity			171,152				—				1,753				—				172,905
Total Consumer			383,110				—				4,243				—				387,353
Total		$	2,146,808			$	7,021			$	33,484			$	—			$	2,187,313
Percentage of total loans			98.15	%			0.32	%			1.53	%			0.00	%
December 31, 2015		Pass				Special Mention				Substandard				Doubtful				Total
Commercial
Owner occupied real estate		$	257,181			$	4,954			$	6,146			$	—			$	268,281
Non owner occupied real estate			320,216				585				5,598				—				326,399
Residential development			5,018				—				—				—				5,018
Development & Spec Land Loans			18,112				—				71				—				18,183
Commercial and industrial			180,581				693				3,637				—				184,911
Total commercial			781,108				6,232				15,452				—				802,792
Real estate
Residential mortgage			408,937				—				5,987				—				414,924
Residential construction			19,501				—				250				—				19,751
Mortgage warehouse			144,692				—				—				—				144,692
Total real estate			573,130				—				6,237				—				579,367
Consumer
Direct Installment			53,800				—				541				—				54,341
Direct Installment Purchased			153				—				—				—				153
Indirect Installment			150,895				—				628				—				151,523
Home Equity			154,895				—				2,269				—				157,164
Total Consumer			359,743				—				3,438				—				363,181
Total		$	1,713,981			$	6,232			$	25,127			$	—			$	1,745,340
Percentage of total loans			98.20	%			0.36	%			1.44	%			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.

+ 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

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Tabular disclosure of impaired financing receivables.

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Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 310
-SubTopic 10
-Section 50
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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

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-Publisher FASB
-Name Accounting Standards Codification
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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
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