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Non-performing Loans and Impaired Loans (Tables)

9 Months Ended

Sep. 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:

		September 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		$	5,341			$	—			$	—			$	—			$	5,341
Non-owner occupied real estate			527				—				501				—				1,028
Residential spec homes			—				—				—				—				—
Development & spec land			71				—				—				—				71
Commercial and industrial			1,915				—				—				—				1,915
Total commercial			7,854				—				501				—				8,355
Real estate
Residential mortgage			1,702				142				429				1,481				3,754
Residential construction			—				—				—				—				—
Mortgage warehouse			—				—				—				—				—
Total real estate			1,702				142				429				1,481				3,754
Consumer
Direct installment			62				—				—				—				62
Indirect installment			608				60				—				—				668
Home equity			1,191				—				147				349				1,687
Total consumer			1,861				60				147				349				2,417
Total		$	11,417			$	202			$	1,077			$	1,830			$	14,526

		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:

		September 30, 2018
														Three Months Ended								Nine 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		$	4,496			$	4,490			$	—			$	5,014			$	(25	)		$	5,077			$	71
Non-owner occupied real estate			841				857				—				936				(5	)			1,119				5
Residential spec homes			—				—				—				—				—				—				—
Development & spec land			71				69				—				69				—				72				—
Commercial and industrial			1,165				1,160				—				1,418				5				1,241				12
Total commercial			6,573				6,576				—				7,437				(25	)			7,509				88
With an allowance recorded
Commercial
Owner occupied real estate			845				845				145				852				—				874				—
Non-owner occupied real estate			187				187				30				189				4				178				4
Residential spec homes			—				—				—				—				—				—				—
Development & spec land			—				—				—				—				—				—				—
Commercial and industrial			750				750				749				750				4				750				4
Total commercial			1,782				1,782				924				1,791				8				1,802				8
Total		$	8,355			$	8,358			$	924			$	9,228			$	(17	)		$	9,311			$	96
		September 30, 2017
														Three Months Ended								Nine 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		$	923			$	934			$	—			$	1,167			$	4			$	1,033			$	4
Non-owner occupied real estate			701				701				—				468				—				308				2
Residential spec homes			—				—				—				—				—				—				—
Development & spec land			102				102				—				222				—				230				—
Commercial and industrial			1,707				1,714				—				2,066				3				1,071				19
Total commercial			3,433				3,451				—				3,923				7				2,642				25
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		$	3,433			$	3,451			$	—			$	3,923			$	7			$	2,642			$	25

Payment Status by Class of Loan

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

		September 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		$	448			$	58			$	—			$	506			$	582,755			$	583,261
Non-owner occupied real estate			370				34				—				404				703,880				704,284
Residential spec homes			—				—				—				—				7,254				7,254
Development & spec land			—				—				—				—				43,889				43,889
Commercial and industrial			1,388				343				—				1,731				362,420				364,151
Total commercial			2,206				435				—				2,641				1,700,198				1,702,839
Real estate
Residential mortgage			2,642				156				142				2,940				628,015				630,955
Residential construction			123				—				—				123				22,271				22,394
Mortgage warehouse			—				—				—				—				71,422				71,422
Total real estate			2,765				156				142				3,063				721,708				724,771
Consumer
Direct installment			67				20				—				87				37,808				37,895
Indirect installment			1,025				313				60				1,398				302,181				303,579
Home equity			815				112				—				927				191,470				192,397
Total consumer			1,907				445				60				2,412				531,459				533,871
Total		$	6,878			$	1,036			$	202			$	8,116			$	2,953,365			$	2,961,481
Percentage of total loans			0.23	%			0.03	%			0.01	%			0.27	%			99.73	%
		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			$	572,253			$	575,816
Non-owner occupied real estate			512				122				—				634				683,267				683,901
Residential spec homes			—				—				—				—				16,591				16,591
Development & spec land			31				—				—				31				49,965				49,996
Commercial and industrial			520				1				—				521				348,564				349,085
Total commercial			2,676				2,073				—				4,749				1,670,640				1,675,389
Real estate
Residential mortgage			1,248				49				—				1,297				591,811				593,108
Residential construction			63				—				—				63				15,964				16,027
Mortgage warehouse			—				—				—				—				94,508				94,508
Total real estate			1,311				49				—				1,360				702,283				703,643
Consumer
Direct installment			78				10				—				88				36,649				36,737
Indirect installment			1,859				244				167				2,270				225,389				227,659
Home equity			502				527				—				1,029				193,831				194,860
Total consumer			2,439				781				167				3,387				455,869				459,256
Total		$	6,426			$	2,903			$	167			$	9,496			$	2,828,792			$	2,838,288
Percentage of total loans			0.23	%			0.10	%			0.01	%			0.33	%			99.67	%

Loans by Credit Grades

The following table presents loans by credit grades.

		September 30, 2018
		Pass				Special Mention				Substandard				Doubtful				Total
Commercial
Owner occupied real estate		$	563,429			$	5,176			$	14,656			$	—			$	583,261
Non-owner occupied real estate			692,995				5,903				5,386				—				704,284
Residential spec homes			7,254				—				—				—				7,254
Development & spec land			41,084				2,734				71				—				43,889
Commercial and industrial			350,617				5,021				8,513				—				364,151
Total commercial			1,655,379				18,834				28,626				—				1,702,839
Real estate
Residential mortgage			627,343				—				3,612				—				630,955
Residential construction			22,394				—				—				—				22,394
Mortgage warehouse			71,422				—				—				—				71,422
Total real estate			721,159				—				3,612				—				724,771
Consumer
Direct installment			37,833				—				62				—				37,895
Indirect installment			302,911				—				668				—				303,579
Home equity			190,710				—				1,687				—				192,397
Total consumer			531,454				—				2,417				—				533,871
Total		$	2,907,992			$	18,834			$	34,655			$	—			$	2,961,481
Percentage of total loans			98.19	%			0.64	%			1.17	%			0.00	%

		December 31, 2017
		Pass				Special Mention				Substandard				Doubtful				Total
Commercial
Owner occupied real estate		$	548,992			$	8,622			$	18,202			$	—			$	575,816
Non-owner occupied real estate			675,030				3,864				5,007				—				683,901
Residential spec homes			16,591				—				—				—				16,591
Development & spec land			48,884				886				226				—				49,996
Commercial and industrial			327,970				7,448				13,667				—				349,085
Total commercial			1,617,467				20,820				37,102				—				1,675,389
Real estate
Residential mortgage			587,614				—				5,494				—				593,108
Residential construction			15,805				—				222				—				16,027
Mortgage warehouse			94,508				—				—				—				94,508
Total real estate			697,927				—				5,716				—				703,643
Consumer
Direct installment			36,577				—				160				—				36,737
Indirect installment			226,451				—				1,208				—				227,659
Home equity			192,884				—				1,976				—				194,860
Total consumer			455,912				—				3,344				—				459,256
Total		$	2,771,306			$	20,820			$	46,162			$	—			$	2,838,288
Percentage of total loans			97.64	%			0.73	%			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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-Topic 310
-SubTopic 10
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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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