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Non-performing Loans and Impaired Loans (Tables)

6 Months Ended

Jun. 30, 2017

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, 2017		Non-accrual				Loans Past Due Over 90 Days Still Accruing				Non- Performing TDRs				Performing TDRs				Total Non- Performing Loans
Commercial
Owner occupied real estate		$	746			$	—			$	—			$	—			$	746
Non owner occupied real estate			467				—				—				—				467
Residential development			—				—				—				—				—
Development & Spec Land Loans			107				—				—				—				107
Commercial and industrial			1,474				—				—				—				1,474
Total commercial			2,794				—				—				—				2,794
Real estate
Residential mortgage			3,176				—				471				1,412				5,059
Residential construction			—				—				—				226				226
Mortgage warehouse			—				—				—				—				—
Total real estate			3,176				—				471				1,638				5,285
Consumer
Direct Installment			495				—				—				—				495
Direct Installment Purchased			—				—				—				—				—
Indirect Installment			957				73				—				—				1,030
Home Equity			1,389				87				197				286				1,959
Total Consumer			2,841				160				197				286				3,484
Total		$	8,811			$	160			$	668			$	1,924			$	11,563
December 31, 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		$	1,532			$	183			$	—			$	—			$	1,715
Non owner occupied real estate			440				—				—				—				440
Residential development			—				—				—				—				—
Development & Spec Land Loans			118				—				—				—				118
Commercial and industrial			159				—				—				—				159
Total commercial			2,249				183				—				—				2,432
Real estate
Residential mortgage			2,959				—				576				1,254				4,789
Residential construction			—				—				233				—				233
Mortgage warehouse			—				—				—				—				—
Total real estate			2,959				—				809				1,254				5,022
Consumer
Direct Installment			512				—				—				—				512
Direct Installment Purchased			—				—				—				—				—
Indirect Installment			659				49				—				—				708
Home Equity			1,557				9				205				238				2,009
Total Consumer			2,728				58				205				238				3,229
Total		$	7,936			$	241			$	1,014			$	1,492			$	10,683

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, 2017		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		$	1,591			$	1,592			$	—			$	1,538			$	22			$	1,233			$	22
Non owner occupied real estate			467				467				—				471				2				432				2
Residential development			—				—				—				—				—				—				—
Development & Spec Land Loans			107				107				—				230				—				234				—
Commercial and industrial			1,474				1,474				—				1,023				16				619				16
Total commercial			3,639				3,640				—				3,262				40				2,518				40
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		$	3,639			$	3,640			$	—			$	3,262			$	40			$	2,518			$	40
														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

Payment Status by Class of Loan

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

		30 - 59 Days				60 - 89 Days				90 Days or								Loans Not Past
June 30, 2017		Past Due				Past Due				Greater Past Due				Total Past Due				Due				Total
Commercial
Owner occupied real estate		$	1,254			$	130			$	—			$	1,384			$	339,808			$	341,192
Non owner occupied real estate			20				—				—				20				489,958				489,978
Residential development			—				—				—				—				3,454				3,454
Development & Spec Land Loans			—				—				—				—				38,139				38,139
Commercial and industrial			28				276				—				304				266,910				267,214
Total commercial			1,302				406				—				1,708				1,138,269				1,139,977
Real estate
Residential mortgage			1,043				—				—				1,043				528,589				529,632
Residential construction			—				—				—				—				17,423				17,423
Mortgage warehouse			—				—				—				—				123,757				123,757
Total real estate			1,043				—				—				1,043				669,769				670,812
Consumer
Direct Installment			127				46				—				173				80,799				80,972
Direct Installment Purchased			—				—				—				—				94				94
Indirect Installment			790				115				73				978				185,859				186,837
Home Equity			555				171				87				813				182,928				183,741
Total consumer			1,472				332				160				1,964				449,680				451,644
Total		$	3,817			$	738			$	160			$	4,715			$	2,257,718			$	2,262,433
Percentage of total loans			0.17	%			0.03	%			0.01	%			0.21	%			99.79	%
		30 - 59 Days				60 - 89 Days				90 Days or								Loans Not Past
December 31, 2016		Past Due				Past Due				Greater Past Due				Total Past Due				Due				Total
Commercial
Owner occupied real estate		$	1,068			$	—			$	183			$	1,251			$	336,297			$	337,548
Non owner occupied real estate			357				—				—				357				461,540				461,897
Residential development			—				—				—				—				5,006				5,006
Development & Spec Land Loans			1				—				—				1				31,227				31,228
Commercial and industrial			982				—				—				982				229,538				230,520
Total commercial			2,408				—				183				2,591				1,063,608				1,066,199
Real estate
Residential mortgage			886				123				—				1,009				507,224				508,233
Residential construction			—				—				—				—				20,611				20,611
Mortgage warehouse			—				—				—				—				135,727				135,727
Total real estate			886				123				—				1,009				663,562				664,571
Consumer
Direct Installment			139				4				—				143				71,007				71,150
Direct Installment Purchased			—				—				—				—				119				119
Indirect Installment			1,339				237				49				1,625				151,579				153,204
Home Equity			912				267				9				1,188				173,938				175,126
Total consumer			2,390				508				58				2,956				396,643				399,599
Total		$	5,684			$	631			$	241			$	6,556			$	2,123,813			$	2,130,369
Percentage of total loans			0.27	%			0.03	%			0.01	%			0.31	%			99.69	%

Loans by Credit Grades

The following table presents loans by credit grades.

June 30, 2017		Pass				Special Mention				Substandard				Doubtful				Total
Commercial
Owner occupied real estate		$	329,160			$	1,503			$	10,529			$	—			$	341,192
Non owner occupied real estate			484,025				450				5,503				—				489,978
Residential development			3,454				—				—				—				3,454
Development & Spec Land Loans			37,884				—				255				—				38,139
Commercial and industrial			253,670				3,730				9,814				—				267,214
Total commercial			1,108,193				5,683				26,101				—				1,139,977
Real estate
Residential mortgage			524,573				—				5,059				—				529,632
Residential construction			17,197				—				226				—				17,423
Mortgage warehouse			123,757				—				—				—				123,757
Total real estate			665,527				—				5,285				—				670,812
Consumer
Direct Installment			80,477				—				495				—				80,972
Direct Installment Purchased			94				—				—				—				94
Indirect Installment			185,807				—				1,030				—				186,837
Home Equity			181,782				—				1,959				—				183,741
Total Consumer			448,160				—				3,484				—				451,644
Total		$	2,221,880			$	5,683			$	34,870			$	—			$	2,262,433
Percentage of total loans			98.21	%			0.25	%			1.54	%			0.00	%
December 31, 2016		Pass				Special Mention				Substandard				Doubtful				Total
Commercial
Owner occupied real estate		$	322,924			$	4,960			$	9,664			$	—			$	337,548
Non owner occupied real estate			455,648				341				5,908				—				461,897
Residential development			5,006				—				—				—				5,006
Development & Spec Land Loans			31,057				—				171				—				31,228
Commercial and industrial			220,424				3,728				6,368				—				230,520
Total commercial			1,035,059				9,029				22,111				—				1,066,199
Real estate
Residential mortgage			503,444				—				4,789				—				508,233
Residential construction			20,378				—				233				—				20,611
Mortgage warehouse			135,727				—				—				—				135,727
Total real estate			659,549				—				5,022				—				664,571
Consumer
Direct Installment			70,638				—				512				—				71,150
Direct Installment Purchased			119				—				—				—				119
Indirect Installment			152,496				—				708				—				153,204
Home Equity			173,117				—				2,009				—				175,126
Total Consumer			396,370				—				3,229				—				399,599
Total		$	2,090,978			$	9,029			$	30,362			$	—			$	2,130,369
Percentage of total loans			98.15	%			0.42	%			1.43	%			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=82894031&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=84173941&loc=SL6953659-111524

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Tabular disclosure of impaired financing receivables.

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-Publisher FASB
-Name Accounting Standards Codification
-Topic 310
-SubTopic 10
-Section 50
-Paragraph 15
-URI http://asc.fasb.org/extlink&oid=84173941&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=84173941&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=84173941&loc=SL6953401-111524

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- Definition

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=84173941&loc=d3e5111-111524

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