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Non-performing Assets and Impaired Loans (Tables)

12 Months Ended

Dec. 31, 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 nonaccrual, loans past due over 90 days still on accrual, and troubled debt restructured (“TDRs”) by class of loans:

		December 31, 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		$	3,413			$	—			$	—			$	109			$	3,522
Non-owner occupied real estate			554				—				492				—				1,046
Residential spec homes			—				—				—				—				—
Development & spec land			68				—				—				—				68
Commercial and industrial			2,059				208				—				—				2,267
Total commercial			6,094				208				492				109				6,903
Real estate
Residential mortgage			2,846				180				423				1,558				5,007
Residential construction			—				—				—				—				—
Mortgage warehouse			—				—				—				—				—
Total real estate			2,846				180				423				1,558				5,007
Consumer
Direct installment			35				—				—				—				35
Indirect installment			916				173				—				—				1,089
Home equity			1,657				7				142				335				2,141
Total consumer			2,608				180				142				335				3,265
Total		$	11,548			$	568			$	1,057			$	2,002			$	15,175

		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 Loans

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

		December 31, 2018
														Twelve Months Ended
		Unpaid Principal Balance				Recorded Investment				Allowance for Loan Loss Allocated				Average Balance in Impaired Loans				Cash/Accrual Interest Income Recognized
With no recorded allowance
Commercial
Owner occupied real estate		$	2,696			$	2,689			$	—			$	3,048			$	71
Non-owner occupied real estate			860				888				—				1,096				12
Residential spec homes			—				—				—				—				—
Development & spec land			68				66				—				71				—
Commercial and industrial			1,344				1,337				—				1,239				27
Total commercial			4,968				4,980				—				5,454				110
With an allowance recorded
Commercial
Owner occupied real estate			827				828				145				864				—
Non-owner occupied real estate			186				186				30				180				4
Residential spec homes			—				—				—				—				—
Development & spec land			—				—				—				—				—
Commercial and industrial			715				714				860				870				14
Total commercial			1,728				1,728				1,035				1,914				18
Total		$	6,696			$	6,708			$	1,035			$	7,368			$	128

		December 31, 2017
														Twelve Months Ended
		Unpaid Principal Balance				Recorded Investment				Allowance for Loan Loss Allocated				Average Balance in Impaired Loans				Cash/Accrual Interest Income Recognized
With no recorded allowance
Commercial
Owner occupied real estate		$	3,824			$	3,849			$	—			$	1,673			$	11
Non-owner occupied real estate			554				570				—				345				—
Residential spec homes			—				—				—				—				—
Development & spec land			176				174				—				233				4
Commercial and industrial			1,656				1,663				—				1,445				25
Total commercial			6,210				6,256				—				3,696				40
With an allowance recorded
Commercial
Owner occupied real estate			931				931				184				78				46
Non-owner occupied real estate			—				—				—				—				—
Residential spec homes			—				—				—				—				—
Development & spec land			—				—				—				—				—
Commercial and industrial			—				—				—				—				—
Total commercial			931				931				184				78				46
Total		$	7,141			$	7,187			$	184			$	3,774			$	86

		December 31, 2016
														Twelve Months Ended
		Unpaid Principal Balance				Recorded Investment				Allowance for Loan Loss Allocated				Average Balance in Impaired Loans				Cash/Accrual Interest Income Recognized
With no recorded allowance
Commercial
Owner occupied real estate		$	1,533			$	1,533			$	—			$	1,619			$	58
Non-owner occupied real estate			440				440				—				871				18
Residential spec homes			—				—				—				—				—
Development & spec land			118				118				—				61				16
Commercial and industrial			128				127				—				349				1
Total commercial			2,219				2,218				—				2,900				93
With an allowance recorded
Commercial
Owner occupied real estate			—				—				—				—				—
Non-owner occupied real estate			—				—				—				—				—
Residential spec homes			—				—				—				—				—
Development & spec land			—				—				—				—				—
Commercial and industrial			31				32				4				5				2
Total commercial			31				32				4				5				2
Total		$	2,250			$	2,250			$	4			$	2,905			$	95

Payment Status by Class of Loan

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

						December 31, 2018
		Current				30-59 Days Past Due				60-89 Days Past Due				90 Days or Greater Past Due				Total Past Due				Total Past Due & Non-accrual Loans				Total
Commercial
Owner occupied real estate		$	556,516			$	537			$	997			$	—			$	3,413			$	4,947			$	561,463
Non-owner occupied real estate			716,574				175				19				—				1,046				1,240				717,814
Residential spec homes			4,707				492				—				—				—				492				5,199
Development & spec land			46,479				—				—				—				68				68				46,547
Commercial and industrial			390,828				515				736				208				2,059				3,518				394,346
Total commercial			1,715,104				1,719				1,752				208				6,586				10,265				1,725,369
Real estate
Residential mortgage			641,500				1,131				56				180				3,269				4,636				646,136
Residential construction			24,030				—				—				—				—				—				24,030
Mortgage warehouse			74,120				—				—				—				—				—				74,120
Total real estate			739,650				1,131				56				180				3,269				4,636				744,286
Consumer
Direct installment			38,138				93				18				—				35				35				38,173
Indirect installment			313,088				1,396				198				173				916				1,089				314,177
Home equity			192,960				761				37				7				1,799				1,806				194,766
Total consumer			544,186				2,250				253				180				2,750				2,930				547,116
Total		$	2,998,940			$	5,100			$	2,061			$	568			$	12,605			$	17,831			$	3,016,771
Percentage of total loans			99.41	%			0.17	%			0.07	%			0.02	%			0.42	%			0.59	%

						December 31, 2017
		Current				30-59 Days Past Due				60-89 Days Past Due				90 Days or Greater Past Due				Total Past Due				Total Past Due & Non-accrual Loans				Total
Commercial
Owner occupied real estate		$	567,571			$	1,613			$	1,950			$	—			$	4,888			$	8,451			$	576,022
Non-owner occupied real estate			682,712				512				122				—				555				1,189				683,901
Residential spec homes			16,591				—				—				—				—				—				16,591
Development & spec land			49,789				31				—				—				176				207				49,996
Commercial and industrial			346,830				520				1				—				1,734				2,255				349,085
Total commercial			1,663,493				2,676				2,073				—				7,353				12,102				1,675,595
Real estate
Residential mortgage			590,746				1,248				49				—				4,044				5,341				596,087
Residential construction			15,964				63				—				—				—				63				16,027
Mortgage warehouse			94,508				—				—				—				—				—				94,508
Total real estate			701,218				1,311				49				—				4,044				5,404				706,622
Consumer
Direct installment			36,489				78				10				—				160				248				36,737
Indirect installment			224,348				1,859				244				167				1,041				3,311				227,659
Home equity			192,140				502				527				—				1,691				2,720				194,860
Total consumer			452,977				2,439				781				167				2,892				6,279				459,256
Total		$	2,817,688			$	6,426			$	2,903			$	167			$	14,289			$	23,785			$	2,841,473
Percentage of total loans			99.16	%			0.23	%			0.10	%			0.01	%			0.50	%			0.84	%

Loans by Credit Grades

The following table presents loans by credit grades.

		December 31, 2018
		Pass				Special Mention				Substandard				Doubtful				Total
Commercial
Owner occupied real estate		$	538,177			$	6,618			$	16,668			$	—			$	561,463
Non-owner occupied real estate			702,269				9,682				5,863				—				717,814
Residential spec homes			5,199				—				—				—				5,199
Development & spec land			46,382				97				68				—				46,547
Commercial and industrial			379,607				6,655				8,084				—				394,346
Total commercial			1,671,634				23,052				30,683				—				1,725,369
Real estate
Residential mortgage			641,309				—				4,827				—				646,136
Residential construction			24,030				—				—				—				24,030
Mortgage warehouse			74,120				—				—				—				74,120
Total real estate			739,459				—				4,827				—				744,286
Consumer
Direct installment			38,138				—				35				—				38,173
Indirect installment			313,088				—				1,089				—				314,177
Home equity			192,625				—				2,141				—				194,766
Total consumer			543,851				—				3,265				—				547,116
Total		$	2,954,944			$	23,052			$	38,775			$	—			$	3,016,771
Percentage of total loans			97.95	%			0.76	%			1.29	%			0.00	%

		December 31, 2017
		Pass				Special Mention				Substandard				Doubtful				Total
Commercial
Owner occupied real estate		$	549,198			$	8,622			$	18,202			$	—			$	576,022
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			1,617,673				20,820				37,102				—				1,675,595
Real estate
Residential mortgage			590,593				—				5,494				—				596,087
Residential construction			15,805				—				222				—				16,027
Mortgage warehouse			94,508				—				—				—				94,508
Total real estate			700,906				—				5,716				—				706,622
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		$	2,774,491			$	20,820			$	46,162			$	—			$	2,841,473
Percentage of total loans			97.64	%			0.73	%			1.62	%			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
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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.

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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
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