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Non-performing Loans and Impaired Loans (Tables)

6 Months Ended

Jun. 30, 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:

		June 30, 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		$	3,694			$	63			$	389			$	139			$	4,285
Non-owner occupied real estate			616				—				635				—				1,251
Residential spec homes			—				—				—				—				—
Development & spec land			140				—				—				—				140
Commercial and industrial			3,021				—				—				—				3,021
Total commercial			7,471				63				1,024				139				8,697
Real estate
Residential mortgage			4,219				77				416				1,732				6,444
Residential construction			—				—				—				—				—
Mortgage warehouse			—				—				—				—				—
Total real estate			4,219				77				416				1,732				6,444
Consumer
Direct installment			36				—				—				—				36
Indirect installment			1,129				156				—				—				1,285
Home equity			1,909				95				136				327				2,467
Total consumer			3,074				251				136				327				3,788
Total		$	14,764			$	391			$	1,576			$	2,198			$	18,929

		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:

		June 30, 2019
														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		$	3,851			$	3,851			$	—			$	5,987			$	76			$	6,005			$	130
Non-owner occupied real estate			1,116				1,143				—				1,260				33				1,293				64
Residential spec homes			—				—				—				—				—				—				—
Development & spec land			140				139				—				226				2				224				2
Commercial and industrial			1,797				1,778				—				2,073				15				2,078				22
Total commercial			6,904				6,911				—				9,546				126				9,600				218
With an allowance recorded
Commercial
Owner occupied real estate			371				371				3				372				10				365				10
Non-owner occupied real estate			135				135				40				135				—				135				—
Residential spec homes			—				—				—				—				—				—				—
Development & spec land			—				—				—				—				—				—				—
Commercial and industrial			1,224				1,224				744				1,252				25				1,258				25
Total commercial			1,730				1,730				787				1,759				35				1,758				35
Total		$	8,634			$	8,641			$	787			$	11,305			$	161			$	11,358			$	253

		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

Payment Status by Class of Loan

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

		June 30, 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		$	705,186			$	265			$	—			$	63			$	4,083			$	4,411			$	709,597
Non-owner occupied real estate			781,012				829				—				—				1,251				2,080				783,092
Residential spec homes			14,862				—				—				—				—				—				14,862
Development & spec land			40,509				453				—				—				140				593				41,102
Commercial and industrial			513,126				2,234				499				—				3,021				5,754				518,880
Total commercial			2,054,695				3,781				499				63				8,495				12,838				2,067,533
Real estate
Residential mortgage			791,704				2,272				125				77				4,635				7,109				798,813
Residential construction			22,403				—				—				—				—				—				22,403
Mortgage warehouse			133,428				—				—				—				—				—				133,428
Total real estate			947,535				2,272				125				77				4,635				7,109				954,644
Consumer
Direct installment			46,203				180				49				—				36				265				46,468
Indirect installment			326,970				1,268				250				156				1,129				2,803				329,773
Home equity			272,047				640				569				95				2,045				3,349				275,396
Total consumer			645,220				2,088				868				251				3,210				6,417				651,637
Total		$	3,647,450			$	8,141			$	1,492			$	391			$	16,340			$	26,364			$	3,673,814
Percentage of total loans			99.28	%			0.22	%			0.04	%			0.01	%			0.44	%			0.72	%			100.00	%

		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	%			100.00	%

Loans by Credit Grades

The following table presents loans by credit grades.

		June 30, 2019
		Pass				Special Mention				Substandard				Doubtful				Total
Commercial
Owner occupied real estate		$	686,630			$	5,711			$	17,256			$	—			$	709,597
Non-owner occupied real estate			764,517				13,002				5,573				—				783,092
Residential spec homes			14,862				—				—				—				14,862
Development & spec land			37,847				97				3,158				—				41,102
Commercial and industrial			482,043				25,214				11,623				—				518,880
Total commercial			1,985,899				44,024				37,610				—				2,067,533
Real estate
Residential mortgage			792,446				—				6,367				—				798,813
Residential construction			22,403				—				—				—				22,403
Mortgage warehouse			133,428				—				—				—				133,428
Total real estate			948,277				—				6,367				—				954,644
Consumer
Direct installment			46,433				—				35				—				46,468
Indirect installment			328,488				—				1,285				—				329,773
Home equity			272,929				—				2,467				—				275,396
Total consumer			647,850				—				3,787				—				651,637
Total		$	3,582,026			$	44,024			$	47,764			$	—			$	3,673,814
Percentage of total loans			97.50	%			1.20	%			1.30	%			0.00	%			100.00	%
		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	%			100.00	%

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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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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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.

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