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Allowance for Loan Losses (Tables)

12 Months Ended

Dec. 31, 2017

Receivables [Abstract]

Allowance for Loan Losses

The historical loss experience is determined by portfolio segment and is based on the actual loss history experienced by the Company over the prior one to five years. Management believes using the highest of the one, two or five-year historical loss experience is an appropriate methodology in the current economic environment, as it captures loss rates that are comparable to the current period being analyzed. The actual allowance for loan loss activity is provided below.

		December 31				December 31				December 31
		2017				2016				2015
Balance at beginning of the period		$	14,837			$	14,534			$	16,501
Loans charged-off:
Commercial
Owner occupied real estate			68				181				2,208
Non owner occupied real estate			20				471				556
Residential development			—				—				—
Development & Spec Land Loans			1				—				—
Commercial and industrial			288				106				673
Total commercial			377				758				3,437
Real estate
Residential mortgage			89				213				288
Residential construction			—				—				—
Mortgage warehouse			—				—				—
Total real estate			89				213				288
Consumer
Direct Installment			389				329				367
Direct Installment Purchased			—				—				—
Indirect Installment			1,193				1,051				1,081
Home Equity			205				309				926
Total consumer			1,787				1,689				2,374
Total loans charged-off			2,253				2,660				6,099
Recoveries of loans previously charged-off:
Commercial
Owner occupied real estate			9				31				104
Non owner occupied real estate			32				55				1
Residential development			8				8				—
Development & Spec Land Loans			—				—				35
Commercial and industrial			219				116				52
Total commercial			268				210				192
Real estate
Residential mortgage			44				97				69
Residential construction			—				—				—
Mortgage warehouse			—				—				—
Total real estate			44				97				69
Consumer
Direct Installment			531				81				106
Direct Installment Purchased			—				—				—
Indirect Installment			497				529				489
Home Equity			—				204				114
Total consumer			1,028				814				709
Total loan recoveries			1,340				1,121				970
Net loans charged-off			913				1,539				5,129
Provision charged to operating expense
Commercial			2,164				(68	)			2,531
Real estate			(81	)			(23	)			62
Consumer			387				1,933				569
Total provision charged to operating expense			2,470				1,842				3,162
Balance at the end of the period		$	16,394			$	14,837			$	14,534

Allowance for Loan Losses and Recorded Investment in Loans by Portfolio Segment

The following table presents the balance in the allowance for loan losses and the recorded investment in loans by portfolio segment and based on impairment analysis:

										Mortgage
December 31, 2017		Commercial				Real Estate				Warehousing				Consumer				Total
Allowance For Loan Losses
Ending allowance balance attributable to loans:
Individually evaluated for impairment		$	184			$	—			$	—			$	—			$	184
Collectively evaluated for impairment			8,450				2,188				1,030				4,542				16,210
Loans acquired with deteriorated credit quality			—				—				—				—				—
Total ending allowance balance		$	8,634			$	2,188			$	1,030			$	4,542			$	16,394
Loans:
Individually evaluated for impairment		$	7,187			$	—			$	—			$	—			$	7,187
Collectively evaluated for impairment			1,615,927				608,575				94,988				514,544				2,834,034
Loans acquired with deteriorated credit quality			—				—				—				—				—
Total ending loans balance		$	1,623,114			$	608,575			$	94,988			$	514,544			$	2,841,221
										Mortgage
December 31, 2016		Commercial				Real Estate				Warehousing				Consumer				Total
Allowance For Loan Losses
Ending allowance balance attributable to loans:
Individually evaluated for impairment		$	4			$	—			$	—			$	—			$	4
Collectively evaluated for impairment			6,575				2,090				1,254				4,914				14,833
Loans acquired with deteriorated credit quality			—				—				—				—				—
Total ending allowance balance		$	6,579			$	2,090			$	1,254			$	4,914			$	14,837
Loans:
Individually evaluated for impairment		$	2,250			$	—			$	—			$	—			$	2,250
Collectively evaluated for impairment			1,071,199				533,399				136,207				399,676				2,140,481
Loans acquired with deteriorated credit quality			—				—				—				—				—
Total ending loans balance		$	1,073,449			$	533,399			$	136,207			$	399,676			$	2,142,731

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- Definition

Allowance for loans and recorded investment.

+ References

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- Definition

Tabular disclosure of financing receivables (examples of financing receivables include loans, trade accounts receivable and notes receivable) and activity in the allowance for credit losses account.

+ References

Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 310
-SubTopic 10
-Section 50
-Paragraph 11B
-URI http://asc.fasb.org/extlink&oid=84173941&loc=SL6953423-111524

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