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Non-performing Loans and Impaired Loans (Tables)

9 Months Ended

Sep. 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:

		September 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		$	3,320			$	—			$	629			$	139			$	4,088
Non-owner occupied real estate			168				—				385				—				553
Residential spec homes			—				—				—				—				—
Development & spec land			140				—				—				—				140
Commercial and industrial			1,989				—				—				1,423				3,412
Total commercial			5,617				—				1,014				1,562				8,193
Real estate
Residential mortgage			5,031				1				573				1,607				7,212
Residential construction			—				—				—				—				—
Mortgage warehouse			—				—				—				—				—
Total real estate			5,031				1				573				1,607				7,212
Consumer
Direct installment			77				—				—				—				77
Indirect installment			1,121				33				—				—				1,154
Home equity			1,977				—				220				322				2,519
Total consumer			3,175				33				220				322				3,750
Total		$	13,823			$	34			$	1,807			$	3,491			$	19,155

		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:

		September 30, 2019
														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		$	3,718			$	3,719			$	—			$	5,854			$	83			$	5,895			$	259
Non-owner occupied real estate			427				427				—				459				8				504				15
Residential spec homes			—				—				—				—				—				—				—
Development & spec land			140				140				—				225				1				224				3
Commercial and industrial			1,876				1,879				—				2,419				71				2,429				83
Total commercial			6,161				6,165				—				8,957				163				9,052				360
With an allowance recorded
Commercial
Owner occupied real estate			370				370				3				371				4				367				14
Non-owner occupied real estate			126				126				35				130				—				133				—
Residential spec homes			—				—				—				—				—				—				—
Development & spec land			—				—				—				—				—				—				—
Commercial and industrial			1,537				1,537				868				1,563				30				1,589				51
Total commercial			2,033				2,033				906				2,064				34				2,089				65
Total		$	8,194			$	8,198			$	906			$	11,021			$	197			$	11,141			$	425

		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

Payment Status by Class of Loan

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

		September 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		$	718,761			$	508			$	—			$	—			$	3,949			$	4,457			$	723,218
Non-owner occupied real estate			764,987				778				256				—				553				1,587				766,574
Residential spec homes			10,813				—				—				—				—				—				10,813
Development & spec land			36,055				920				—				—				140				1,060				37,115
Commercial and industrial			506,893				767				666				—				1,989				3,422				510,315
Total commercial			2,037,509				2,973				922				—				6,631				10,526				2,048,035
Real estate
Residential mortgage			764,308				3,531				—				1				5,604				9,136				773,444
Residential construction			23,041				—				—				—				—				—				23,041
Mortgage warehouse			155,631				—				—				—				—				—				155,631
Total real estate			942,980				3,531				—				1				5,604				9,136				952,116
Consumer
Direct installment			41,843				124				4				—				77				205				42,048
Indirect installment			341,554				1,427				432				33				1,121				3,013				344,567
Home equity			275,589				600				191				—				2,197				2,988				278,577
Total consumer			658,986				2,151				627				33				3,395				6,206				665,192
Total		$	3,639,475			$	8,655			$	1,549			$	34			$	15,630			$	25,868			$	3,665,343
Percentage of total loans			99.29	%			0.24	%			0.04	%			0.00	%			0.43	%			0.71	%			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		$	558,982			$	537			$	997			$	—			$	3,413			$	4,947			$	563,929
Non-owner occupied real estate			712,896				175				19				—				1,046				1,240				714,136
Residential spec homes			4,703				492				—				—				—				492				5,195
Development & spec land			46,455				—				—				—				68				68				46,523
Commercial and industrial			390,234				515				736				208				2,059				3,518				393,752
Total commercial			1,713,270				1,719				1,752				208				6,586				10,265				1,723,535
Real estate
Residential mortgage			639,458				1,131				56				180				3,269				4,636				644,094
Residential construction			24,030				—				—				—				—				—				24,030
Mortgage warehouse			74,120				—				—				—				—				—				74,120
Total real estate			737,608				1,131				56				180				3,269				4,636				742,244
Consumer
Direct installment			34,087				93				18				—				35				146				34,233
Indirect installment			311,494				1,396				198				173				916				2,683				314,177
Home equity			195,760				761				37				7				1,799				2,604				198,364
Total consumer			541,341				2,250				253				180				2,750				5,433				546,774
Total		$	2,992,219			$	5,100			$	2,061			$	568			$	12,605			$	20,334			$	3,012,553
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.

		September 30, 2019
		Pass				Special Mention				Substandard				Doubtful				Total
Commercial
Owner occupied real estate		$	696,380			$	7,776			$	19,062			$	—			$	723,218
Non-owner occupied real estate			751,995				5,654				8,925				—				766,574
Residential spec homes			10,813				—				—				—				10,813
Development & spec land			33,957				—				3,158				—				37,115
Commercial and industrial			470,722				19,569				20,024				—				510,315
Total commercial			1,963,867				32,999				51,169				—				2,048,035
Real estate
Residential mortgage			766,233				—				7,211				—				773,444
Residential construction			23,041				—				—				—				23,041
Mortgage warehouse			155,631				—				—				—				155,631
Total real estate			944,905				—				7,211				—				952,116
Consumer
Direct installment			41,971				—				77				—				42,048
Indirect installment			343,413				—				1,154				—				344,567
Home equity			276,058				—				2,519				—				278,577
Total consumer			661,442				—				3,750				—				665,192
Total		$	3,570,214			$	32,999			$	62,130			$	—			$	3,665,343
Percentage of total loans			97.40	%			0.90	%			1.70	%			0.00	%			100.00	%
		December 31, 2018
		Pass				Special Mention				Substandard				Doubtful				Total
Commercial
Owner occupied real estate		$	540,643			$	6,618			$	16,668			$	—			$	563,929
Non-owner occupied real estate			698,591				9,682				5,863				—				714,136
Residential spec homes			5,195				—				—				—				5,195
Development & spec land			46,358				97				68				—				46,523
Commercial and industrial			379,013				6,655				8,084				—				393,752
Total commercial			1,669,800				23,052				30,683				—				1,723,535
Real estate
Residential mortgage			639,267				—				4,827				—				644,094
Residential construction			24,030				—				—				—				24,030
Mortgage warehouse			74,120				—				—				—				74,120
Total real estate			737,417				—				4,827				—				742,244
Consumer
Direct installment			34,198				—				35				—				34,233
Indirect installment			313,088				—				1,089				—				314,177
Home equity			196,223				—				2,141				—				198,364
Total consumer			543,509				—				3,265				—				546,774
Total		$	2,950,726			$	23,052			$	38,775			$	—			$	3,012,553
Percentage of total loans			97.95	%			0.77	%			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

Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 326
-SubTopic 20
-Section 50
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Tabular disclosure of financing receivable on nonaccrual status.

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