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Non-performing Loans and Impaired Loans (Tables)

3 Months Ended

Mar. 31, 2019

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:

		March 31, 2019
		Non-accrual				Loans Past Due Over 90 Days Still Accruing				Non-peforming TDRs				Performing TDRs				Total Non-performing Loans
Commercial
Owner occupied real estate		$	3,372			$	—			$	389			$	139			$	3,900
Non-owner occupied real estate			3,041				—				404				314				3,759
Residential spec homes			261				—				—				—				261
Development & spec land			177				—				—				—				177
Commercial and industrial			1,653				—				—				—				1,653
Total commercial			8,504				—				793				453				9,750
Real estate
Residential mortgage			3,691				140				416				1,748				5,995
Residential construction			—				—				—				—				—
Mortgage warehouse			—				—				—				—				—
Total real estate			3,691				140				416				1,748				5,995
Consumer
Direct installment			55				17				—				—				72
Indirect installment			986				30				—				—				1,016
Home equity			2,077				5				140				331				2,553
Total consumer			3,118				52				140				331				3,641
Total		$	15,313			$	192			$	1,349			$	2,532			$	19,386

		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

Commercial Loans Individually Evaluated for Impairment by Class of Loans

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

		March 31, 2019
														Three 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		$	3,275			$	3,269			$	—			$	3,650			$	60
Non-owner occupied real estate			840				869				—				875				32
Residential spec homes			261				261				—				261				3
Development & spec land			66				64				—				65				—
Commercial and industrial			656				648				—				668				7
Total commercial			5,098				5,111				—				5,519				102
With an allowance recorded
Commercial
Owner occupied real estate			355				355				25				358				—
Non-owner occupied real estate			135				135				40				135				—
Residential spec homes			—				—				—				—				—
Development & spec land			—				—				—				—				—
Commercial and industrial			632				632				850				632				—
Total commercial			1,122				1,122				915				1,125				—
Total		$	6,220			$	6,233			$	915			$	6,644			$	102

		March 31, 2018
														Three 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		$	4,038			$	4,063			$	—			$	4,590			$	37
Non-owner occupied real estate			1,033				1,049				—				975				5
Residential spec homes			—				—				—				—				—
Development & spec land			76				74				—				75				—
Commercial and industrial			737				745				—				1,447				—
Total commercial			5,884				5,931				—				7,087				42
With an allowance recorded
Commercial
Owner occupied real estate			893				893				184				900				—
Non-owner occupied real estate			—				—				—				—				—
Residential spec homes			—				—				—				—				—
Development & spec land			—				—				—				—				—
Commercial and industrial			—				—				—				—				—
Total commercial			893				893				184				900				—
Total		$	6,777			$	6,824			$	184			$	7,987			$	42

Payment Status by Class of Loan

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

		March 31, 2019
		Current				30-59 Days Past Due				60-89 Days Past Due				90 Days or Greater Past Due				Non-accrual				Total Past Due & Non-accrual Loans				Total
Commercial
Owner occupied real estate		$	672,729			$	27			$	—			$	—			$	3,761			$	3,788			$	676,517
Non-owner occupied real estate			827,610				2,386				362				—				3,445				6,193				833,803
Residential spec homes			9,469				491				—				—				261				752				10,221
Development & spec land			74,885				17				—				—				177				194				75,079
Commercial and industrial			493,723				1,616				632				—				1,653				3,901				497,624
Total commercial			2,078,416				4,537				994				—				9,297				14,828				2,093,244
Real estate
Residential mortgage			790,848				1,910				169				140				4,107				6,326				797,174
Residential construction			24,593				—				—				—				—				—				24,593
Mortgage warehouse			71,944				—				—				—				—				—				71,944
Total real estate			887,385				1,910				169				140				4,107				6,326				893,711
Consumer
Direct installment			37,345				67				48				17				55				72				37,417
Indirect installment			316,613				906				129				30				986				1,016				317,629
Home equity			279,938				956				264				5				2,217				2,222				282,160
Total consumer			633,896				1,929				441				52				3,258				3,310				637,206
Total		$	3,599,697			$	8,376			$	1,604			$	192			$	16,662			$	24,464			$	3,624,161
Percentage of total loans			99.32	%			0.23	%			0.04	%			0.01	%			0.46	%			0.68	%

		December 31, 2018
		Current				30-59 Days Past Due				60-89 Days Past Due				90 Days or Greater Past Due				Non-accrual				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			38,027				93				18				—				35				146				38,173
Indirect installment			311,494				1,396				198				173				916				2,683				314,177
Home equity			192,162				761				37				7				1,799				2,604				194,766
Total consumer			541,794				2,250				253				180				2,750				5,433				547,116
Total		$	2,996,548			$	5,100			$	2,061			$	568			$	12,605			$	20,334			$	3,016,771
Percentage of total loans			99.33	%			0.17	%			0.07	%			0.02	%			0.42	%			0.67	%

Loans by Credit Grades

The following table presents loans by credit grades.

		March 31, 2019
		Pass				Special Mention				Substandard				Doubtful				Total
Commercial
Owner occupied real estate		$	656,354			$	5,046			$	15,117			$	—			$	676,517
Non-owner occupied real estate			815,974				9,048				8,781				—				833,803
Residential spec homes			9,960				—				261				—				10,221
Development & spec land			74,805				97				177				—				75,079
Commercial and industrial			482,091				7,074				8,459				—				497,624
Total commercial			2,039,184				21,265				32,795				—				2,093,244
Real estate
Residential mortgage			791,663				—				5,511				—				797,174
Residential construction			24,593				—				—				—				24,593
Mortgage warehouse			71,944				—				—				—				71,944
Total real estate			888,200				—				5,511				—				893,711
Consumer
Direct installment			37,345				—				72				—				37,417
Indirect installment			316,613				—				1,016				—				317,629
Home equity			279,826				—				2,334				—				282,160
Total consumer			633,784				—				3,422				—				637,206
Total		$	3,561,168			$	21,265			$	41,728			$	—			$	3,624,161
Percentage of total loans			98.26	%			0.59	%			1.15	%			0.00	%

		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	%

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
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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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-Topic 310
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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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