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Allowance for Loan Losses (Tables)

6 Months Ended

Jun. 30, 2018

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.

		Three Months Ended								Six Months Ended
		June 30								June 30
		2018				2017				2018				2017
		(Unaudited)				(Unaudited)				(Unaudited)				(Unaudited)
Balance at beginning of the period		$	16,474			$	15,054			$	16,394			$	14,837
Loans charged-off:
Commercial
Owner occupied real estate			—				—				13				—
Non-owner occupied real estate			—				—				—				—
Residential spec homes			—				—				—				—
Development & spec land			—				1				—				1
Commercial and industrial			—				254				—				259
Total commercial			—				255				13				260
Real estate
Residential mortgage			3				1				15				52
Residential construction			—				—				—				—
Mortgage warehouse			—				—				—				—
Total real estate			3				1				15				52
Consumer
Direct installment			49				9				104				29
Indirect installment			365				323				870				608
Home equity			—				21				131				71
Total consumer			414				353				1,105				708
Total loans charged-off			417				609				1,133				1,020
Recoveries of loans previously charged-off:
Commercial
Owner occupied real estate			—				1				12				1
Non-owner occupied real estate			12				3				17				25
Residential spec homes			2				2				4				4
Development & spec land			—				—				—				—
Commercial and industrial			26				30				58				141
Total commercial			40				36				91				171
Real estate
Residential mortgage			5				9				11				22
Residential construction			—				—				—				—
Mortgage warehouse			—				—				—				—
Total real estate			5				9				11				22
Consumer
Direct installment			21				16				32				32
Indirect installment			132				152				271				265
Home equity			181				39				203				60
Total consumer			334				207				506				357
Total loan recoveries			379				252				608				550
Net loans charged-off			38				357				525				470
Provision charged to operating expense
Commercial			985				41				(306	)			928
Real estate			(117	)			93				(369	)			(474	)
Consumer			(233	)			196				1,877				206
Total provision charged to operating expense			635				330				1,202				660
Balance at the end of the period		$	17,071			$	15,027			$	17,071			$	15,027

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:

		June 30, 2018
		Commercial				Real Estate				Mortgage Warehousing				Consumer				Total
Allowance For Loan Losses
Ending allowance balance attributable to loans:
Individually evaluated for impairment		$	184			$	—			$	—			$	—			$	184
Collectively evaluated for impairment			8,681				1,761				1,084				5,361				16,887
Loans acquired with deteriorated credit quality			—				—				—				—				—
Total ending allowance balance		$	8,865			$	1,761			$	1,084			$	5,361			$	17,071
Loans:
Individually evaluated for impairment		$	8,999			$	—			$	—			$	—			$	8,999
Collectively evaluated for impairment			1,669,122				636,503				109,496				509,459				2,924,580
Loans acquired with deteriorated credit quality			—				—				—				—				—
Total ending loans balance		$	1,678,121			$	636,503			$	109,496			$	509,459			$	2,933,579

		December 31, 2017
		Commercial				Real Estate				Mortgage Warehousing				Consumer				Total
Allowance For Loan Losses
Ending allowance balance attributable to loans:
Individually evaluated for impairment		$	184			$	—			$	—			$	—			$	184
Collectively evaluated for impairment			8,909				2,188				1,030				4,083				16,210
Loans acquired with deteriorated credit quality			—				—				—				—				—
Total ending allowance balance		$	9,093			$	2,188			$	1,030			$	4,083			$	16,394
Loans:
Individually evaluated for impairment		$	7,187			$	—			$	—			$	—			$	7,187
Collectively evaluated for impairment			1,667,942				608,575				94,988				462,529				2,834,034
Loans acquired with deteriorated credit quality			—				—				—				—				—
Total ending loans balance		$	1,675,129			$	608,575			$	94,988			$	462,529			$	2,841,221

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- Definition

Allowance for loans and recorded investment.

+ References

No definition available.

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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://fasb.org/us-gaap/role/ref/legacyRef
-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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