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Allowance for Loan Losses (Tables)
 12 Months Ended
Dec. 31, 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.
 
 
 
Years Ended December 31
 
 
 
2018
 
 
2017
 
 
2016
 
Balance at beginning of the period
 
$
16,394
 
 
$
14,837
 
 
$
14,534
 
Loans charged-off:
 
 
 
 
 
 
 
 
 
 
 
 
Commercial
 
 
 
 
 
 
 
 
 
 
 
 
Owner occupied real estate
 
 
112
 
 
 
68
 
 
 
181
 
Non-owner occupied real estate
 
 
—
 
 
 
20
 
 
 
471
 
Residential spec homes
 
 
—
 
 
 
—
 
 
 
—
 
Development & spec land
 
 
—
 
 
 
1
 
 
 
—
 
Commercial and industrial
 
 
361
 
 
 
540
 
 
 
106
 
Total commercial
 
 
473
 
 
 
629
 
 
 
758
 
Real estate
 
 
 
 
 
 
 
 
 
 
 
 
Residential mortgage
 
 
76
 
 
 
89
 
 
 
213
 
Residential construction
 
 
—
 
 
 
—
 
 
 
—
 
Mortgage warehouse
 
 
—
 
 
 
—
 
 
 
—
 
Total real estate
 
 
76
 
 
 
89
 
 
 
213
 
Consumer
 
 
 
 
 
 
 
 
 
 
 
 
Direct installment
 
 
154
 
 
 
137
 
 
 
329
 
Indirect installment
 
 
1,673
 
 
 
1,193
 
 
 
1,051
 
Home equity
 
 
176
 
 
 
205
 
 
 
309
 
Total consumer
 
 
2,003
 
 
 
1,535
 
 
 
1,689
 
Total loans charged-off
 
 
2,552
 
 
 
2,253
 
 
 
2,660
 
Recoveries of loans previously charged-off:
 
 
 
 
 
 
 
 
 
 
 
 
Commercial
 
 
 
 
 
 
 
 
 
 
 
 
Owner occupied real estate
 
 
59
 
 
 
9
 
 
 
31
 
Non-owner occupied real estate
 
 
29
 
 
 
32
 
 
 
55
 
Residential spec homes
 
 
8
 
 
 
8
 
 
 
8
 
Development & spec land
 
 
—
 
 
 
—
 
 
 
—
 
Commercial and industrial
 
 
80
 
 
 
249
 
 
 
116
 
Total commercial
 
 
176
 
 
 
298
 
 
 
210
 
Real estate
 
 
 
 
 
 
 
 
 
 
 
 
Residential mortgage
 
 
27
 
 
 
44
 
 
 
97
 
Residential construction
 
 
—
 
 
 
—
 
 
 
—
 
Mortgage warehouse
 
 
—
 
 
 
—
 
 
 
—
 
Total real estate
 
 
27
 
 
 
44
 
 
 
97
 
Consumer
 
 
 
 
 
 
 
 
 
 
 
 
Direct installment
 
 
53
 
 
 
501
 
 
 
81
 
Indirect installment
 
 
505
 
 
 
497
 
 
 
529
 
Home equity
 
 
311
 
 
 
—
 
 
 
204
 
Total consumer
 
 
869
 
 
 
998
 
 
 
814
 
Total loan recoveries
 
 
1,072
 
 
 
1,340
 
 
 
1,121
 
Net loans charged-off
 
 
1,480
 
 
 
913
 
 
 
1,539
 
Provision charged to operating expense
 
 
 
 
 
 
 
 
 
 
 
 
Commercial
 
 
1,699
 
 
 
2,164
 
 
 
(68
)
Real estate
 
 
(487
)
 
 
(81
)
 
 
(23
)
Consumer
 
 
1,694
 
 
 
387
 
 
 
1,933
 
Total provision charged to operating expense
 
 
2,906
 
 
 
2,470
 
 
 
1,842
 
Balance at the end of the period
 
$
17,820
 
 
$
16,394
 
 
$
14,837
 
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:
 
 
 
December 31, 2018
 
 
 
Commercial
 
 
Real 
Estate
 
 
Mortgage

Warehousing
 
 
Consumer
 
 
Total
 
Allowance For Loan Losses
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Ending allowance balance attributable to loans:
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Individually evaluated for impairment
 
$
1,035
 
 
$
—
 
 
$
—
 
 
$
—
 
 
$
1,035
 
Collectively evaluated for impairment
 
 
9,460
 
 
 
1,676
 
 
 
1,006
 
 
 
4,643
 
 
 
16,785
 
Loans acquired with deteriorated credit quality
 
 
—
 
 
 
—
 
 
 
—
 
 
 
—
 
 
 
—
 
Total ending allowance balance
 
$
10,495
 
 
$
1,676
 
 
$
1,006
 
 
$
4,643
 
 
$
17,820
 
Loans:
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Individually evaluated for impairment
 
$
6,708
 
 
$
—
 
 
$
—
 
 
$
—
 
 
$
6,708
 
Collectively evaluated for impairment
 
 
1,718,661
 
 
 
670,166
 
 
 
74,120
 
 
 
547,116
 
 
 
3,010,063
 
Loans acquired with deteriorated credit quality
 
 
—
 
 
 
—
 
 
 
—
 
 
 
—
 
 
 
—
 
Total ending loans balance
 
$
1,725,369
 
 
$
670,166
 
 
$
74,120
 
 
$
547,116
 
 
$
3,016,771
 
 
 
 
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
 
 
1,668,408
 
 
 
612,114
 
 
 
94,508
 
 
 
459,256
 
 
 
2,834,286
 
Loans acquired with deteriorated credit quality
 
 
—
 
 
 
—
 
 
 
—
 
 
 
—
 
 
 
—
 
Total ending loans balance
 
$
1,675,595
 
 
$
612,114
 
 
$
94,508
 
 
$
459,256
 
 
$
2,841,473