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Non-performing Loans and Impaired Loans (Tables)

6 Months Ended

Jun. 30, 2018

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, 2018
		Non-accrual				Loans Past Due Over 90 Days Still Accruing				Non-peforming TDRs				Performing TDRs				Total Non-performing Loans
Commercial
Owner occupied real estate		$	5,629			$	—			$	—			$	—			$	5,629
Non-owner occupied real estate			1,038				—				305				—				1,343
Residential spec homes			—				—				—				—				—
Development & spec land			72				—				—				—				72
Commercial and industrial			1,943				—				—				—				1,943
Total commercial			8,682				—				305				—				8,987
Real estate
Residential mortgage			1,823				11				440				1,641				3,915
Residential construction			—				—				—				—				—
Mortgage warehouse			—				—				—				—				—
Total real estate			1,823				11				440				1,641				3,915
Consumer
Direct installment			54				—				—				—				54
Direct installment purchased			—				—				—				—				—
Indirect installment			619				38				—				—				657
Home equity			1,377				—				149				270				1,796
Total consumer			2,050				38				149				270				2,507
Total		$	12,555			$	49			$	894			$	1,911			$	15,409

		December 31, 2017
		Non-accrual				Loans Past Due Over 90 Days Still Accruing				Non-peforming TDRs				Performing TDRs				Total Non-performing Loans
Commercial
Owner occupied real estate		$	4,877			$	—			$	11			$	1			$	4,889
Non-owner occupied real estate			115				—				440				—				555
Residential spec homes			—				—				—				—				—
Development & spec land			176				—				—				—				176
Commercial and industrial			1,734				—				—				—				1,734
Total commercial			6,902				—				451				1				7,354
Real estate
Residential mortgage			3,693				—				351				1,450				5,494
Residential construction			—				—				—				222				222
Mortgage warehouse			—				—				—				—				—
Total real estate			3,693				—				351				1,672				5,716
Consumer
Direct installment			160				—				—				—				160
Direct installment purchased			—				—				—				—				—
Indirect installment			1,041				167				—				—				1,208
Home equity			1,480				—				211				285				1,976
Total consumer			2,681				167				211				285				3,344
Total		$	13,276			$	167			$	1,013			$	1,958			$	16,414

Commercial Loans Individually Evaluated for Impairment by Class of Loan

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

		June 30, 2018
														Three Months Ended								Six Months Ended
		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		$	4,765			$	4,762			$	—			$	5,271			$	59			$	5,303			$	96
Non-owner occupied real estate			1,344				1,360				—				1,591				5				1,559				10
Residential spec homes			—				—				—				—				—				—				—
Development & spec land			72				70				—				71				—				73				—
Commercial and industrial			1,943				1,943				—				1,916				7				1,886				7
Total commercial			8,124				8,135				—				8,849				71				8,821				113
With an allowance recorded
Commercial
Owner occupied real estate			864				864				184				871				—				885				—
Non-owner occupied real estate			—				—				—				—				—				—				—
Residential spec homes			—				—				—				—				—				—				—
Development & spec land			—				—				—				—				—				—				—
Commercial and industrial			—				—				—				—				—				—				—
Total commercial			864				864				184				871				—				885				—
Total		$	8,988			$	8,999			$	184			$	9,720			$	71			$	9,706			$	113
		June 30, 2017
														Three Months Ended								Six Months Ended
		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 spec homes			—				—				—				—				—				—				—
Development & spec land			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 spec homes			—				—				—				—				—				—				—
Development & spec land			—				—				—				—				—				—				—
Commercial and industrial			—				—				—				—				—				—				—
Total commercial			—				—				—				—				—				—				—
Total		$	3,639			$	3,640			$	—			$	3,262			$	40			$	2,518			$	40

Payment Status by Class of Loan

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

		June 30, 2018
		30-59 Days Past Due				60-89 Days Past Due				90 Days or Greater Past Due				Total Past Due				Loans Not Past Due				Total
Commercial
Owner occupied real estate		$	897			$	138			$	—			$	1,035			$	590,238			$	591,273
Non-owner occupied real estate			42				895				—				937				677,976				678,913
Residential spec homes			—				—				—				—				11,614				11,614
Development & spec land			—				—				—				—				34,384				34,384
Commercial and industrial			175				966				—				1,141				351,072				352,213
Total commercial			1,114				1,999				—				3,113				1,665,284				1,668,397
Real estate
Residential mortgage			822				302				11				1,135				609,736				610,871
Residential construction			—				—				—				—				21,585				21,585
Mortgage warehouse			—				—				—				—				109,016				109,016
Total real estate			822				302				11				1,135				740,337				741,472
Consumer
Direct installment			78				26				—				104				38,961				39,065
Indirect installment			1,513				256				38				1,807				274,510				276,317
Home equity			451				30				—				481				194,156				194,637
Total consumer			2,042				312				38				2,392				507,627				510,019
Total		$	3,978			$	2,613			$	49			$	6,640			$	2,913,248			$	2,919,888
Percentage of total loans			0.14	%			0.09	%			0.00	%			0.23	%			99.77	%
		December 31, 2017
		30-59 Days Past Due				60-89 Days Past Due				90 Days or Greater Past Due				Total Past Due				Loans Not Past Due				Total
Commercial
Owner occupied real estate		$	1,613			$	1,950			$	—			$	3,563			$	568,419			$	571,982
Non-owner occupied real estate			512				122				—				634				678,311				678,945
Residential spec homes			—				—				—				—				16,431				16,431
Development & spec land			31				—				—				31				48,807				48,838
Commercial and industrial			520				1				—				521				347,350				347,871
Total commercial			2,676				2,073				—				4,749				1,659,318				1,664,067
Real estate
Residential mortgage			1,248				49				—				1,297				587,061				588,358
Residential construction			63				—				—				63				15,964				16,027
Mortgage warehouse			—				—				—				—				94,508				94,508
Total real estate			1,311				49				—				1,360				697,533				698,893
Consumer
Direct installment			78				10				—				88				37,753				37,841
Indirect installment			1,859				244				167				2,270				225,053				227,323
Home equity			502				527				—				1,029				196,549				197,578
Total consumer			2,439				781				167				3,387				459,355				462,742
Total		$	6,426			$	2,903			$	167			$	9,496			$	2,816,206			$	2,825,702
Percentage of total loans			0.23	%			0.10	%			0.01	%			0.34	%			99.66	%

Loans by Credit Grades

The following table presents loans by credit grades.

		June 30, 2018
		Pass				Special Mention				Substandard				Doubtful				Total
Commercial
Owner occupied real estate		$	569,089			$	5,772			$	16,412			$	—			$	591,273
Non-owner occupied real estate			667,031				5,888				5,994				—				678,913
Residential spec homes			11,614				—				—				—				11,614
Development & spec land			34,168				144				72				—				34,384
Commercial and industrial			335,442				4,719				12,052				—				352,213
Total commercial			1,617,344				16,523				34,530				—				1,668,397
Real estate
Residential mortgage			606,967				—				3,904				—				610,871
Residential construction			21,585				—				—				—				21,585
Mortgage warehouse			109,016				—				—				—				109,016
Total real estate			737,568				—				3,904				—				741,472
Consumer
Direct installment			39,011				—				54				—				39,065
Indirect installment			275,660				—				657				—				276,317
Home equity			192,841				—				1,796				—				194,637
Total consumer			507,512				—				2,507				—				510,019
Total		$	2,862,424			$	16,523			$	40,941			$	—			$	2,919,888
Percentage of total loans			98.03	%			0.57	%			1.40	%			0.00	%

		December 31, 2017
		Pass				Special Mention				Substandard				Doubtful				Total
Commercial
Owner occupied real estate		$	545,158			$	8,622			$	18,202			$	—			$	571,982
Non-owner occupied real estate			670,074				3,864				5,007				—				678,945
Residential spec homes			16,431				—				—				—				16,431
Development & spec land			47,726				886				226				—				48,838
Commercial and industrial			326,756				7,448				13,667				—				347,871
Total commercial			1,606,145				20,820				37,102				—				1,664,067
Real estate
Residential mortgage			582,864				—				5,494				—				588,358
Residential construction			15,805				—				222				—				16,027
Mortgage warehouse			94,508				—				—				—				94,508
Total real estate			693,177				—				5,716				—				698,893
Consumer
Direct installment			37,681				—				160				—				37,841
Indirect installment			226,115				—				1,208				—				227,323
Home equity			195,602				—				1,976				—				197,578
Total consumer			459,398				—				3,344				—				462,742
Total		$	2,758,720			$	20,820			$	46,162			$	—			$	2,825,702
Percentage of total loans			97.63	%			0.74	%			1.63	%			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

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-Publisher FASB
-Name Accounting Standards Codification
-Topic 310
-SubTopic 10
-Section 50
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Tabular disclosure of impaired financing receivables.

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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

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