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Allowance for Loan Losses (Tables) | 12 Months Ended
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Dec. 31, 2019
Receivables [Abstract] |
Allowance for Loan Losses | The actual allowance for loan loss activity is provided below.
|  | Years Ended December 31 |
|  | 2019 |  |  | 2018 |  |  | 2017 |
Balance at beginning of the period |  | $ | 17,820 |  |  | $ | 16,394 |  |  | $ | 14,837 |
Loans charged-off: |  |  |  |  |  |  |  |  |  |  |  |
Commercial |  |  |  |  |  |  |  |  |  |  |  |
Owner occupied real estate |  |  | 41 |  |  |  | 109 |  |  |  | 12 |
Non-owner occupied real estate |  |  | 64 |  |  |  | — |  |  |  | 75 |
Residential spec homes |  |  | 3 |  |  |  | — |  |  |  | — |
Development & spec land |  |  | — |  |  |  | — |  |  |  | 1 |
Commercial and industrial |  |  | 755 |  |  |  | 364 |  |  |  | 541 |
Total commercial |  |  | 863 |  |  |  | 473 |  |  |  | 629 |
Real estate |  |  |  |  |  |  |  |  |  |  |  |
Residential mortgage |  |  | 93 |  |  |  | 76 |  |  |  | 89 |
Residential construction |  |  | — |  |  |  | — |  |  |  | — |
Mortgage warehouse |  |  | — |  |  |  | — |  |  |  | — |
Total real estate |  |  | 93 |  |  |  | 76 |  |  |  | 89 |
Consumer |  |  |  |  |  |  |  |  |  |  |  |
Direct installment |  |  | 208 |  |  |  | 154 |  |  |  | 137 |
Indirect installment |  |  | 1,785 |  |  |  | 1,673 |  |  |  | 1,193 |
Home equity |  |  | 319 |  |  |  | 176 |  |  |  | 205 |
Total consumer |  |  | 2,312 |  |  |  | 2,003 |  |  |  | 1,535 |
Total loans charged-off |  |  | 3,268 |  |  |  | 2,552 |  |  |  | 2,253 |
Recoveries of loans previously charged-off: |  |  |  |  |  |  |  |  |  |  |  |
Commercial |  |  |  |  |  |  |  |  |  |  |  |
Owner occupied real estate |  |  | — |  |  |  | 55 |  |  |  | 8 |
Non-owner occupied real estate |  |  | 15 |  |  |  | 33 |  |  |  | 32 |
Residential spec homes |  |  | 5 |  |  |  | 8 |  |  |  | 8 |
Development & spec land |  |  | — |  |  |  | — |  |  |  | — |
Commercial and industrial |  |  | 179 |  |  |  | 80 |  |  |  | 250 |
Total commercial |  |  | 199 |  |  |  | 176 |  |  |  | 298 |
Real estate |  |  |  |  |  |  |  |  |  |  |  |
Residential mortgage |  |  | 46 |  |  |  | 27 |  |  |  | 44 |
Residential construction |  |  | — |  |  |  | — |  |  |  | — |
Mortgage warehouse |  |  | — |  |  |  | — |  |  |  | — |
Total real estate |  |  | 46 |  |  |  | 27 |  |  |  | 44 |
Consumer |  |  |  |  |  |  |  |  |  |  |  |
Direct installment |  |  | 97 |  |  |  | 53 |  |  |  | 501 |
Indirect installment |  |  | 661 |  |  |  | 505 |  |  |  | 497 |
Home equity |  |  | 136 |  |  |  | 311 |  |  |  | — |
Total consumer |  |  | 894 |  |  |  | 869 |  |  |  | 998 |
Total loan recoveries |  |  | 1,139 |  |  |  | 1,072 |  |  |  | 1,340 |
Net loans charged-off |  |  | 2,129 |  |  |  | 1,480 |  |  |  | 913 |
Provision charged to operating expense |  |  |  |  |  |  |  |  |  |  |  |
Commercial |  |  | 2,165 |  |  |  | 1,699 |  |  |  | 2,164 |
Real estate |  |  | (635 | ) |  |  | (487 | ) |  |  | (81 | )
Consumer |  |  | 446 |  |  |  | 1,694 |  |  |  | 387 |
Total provision charged to operating expense |  |  | 1,976 |  |  |  | 2,906 |  |  |  | 2,470 |
Balance at the end of the period |  | $ | 17,667 |  |  | $ | 17,820 |  |  | $ | 16,394 |
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, 2019 |
|  | Commercial |  |  | Real Estate |  |  | Mortgage Warehousing |  |  | Consumer |  |  | Total |
Allowance For Loan Losses |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Ending allowance balance attributable to loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Individually evaluated for impairment |  | $ | 541 |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | 541 |
Collectively evaluated for impairment |  |  | 11,455 |  |  |  | 923 |  |  |  | 1,077 |  |  |  | 3,671 |  |  |  | 17,126 |
Loans acquired with deteriorated credit quality |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Total ending allowance balance |  | $ | 11,996 |  |  | $ | 923 |  |  | $ | 1,077 |  |  | $ | 3,671 |  |  | $ | 17,667 |
Loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Individually evaluated for impairment |  | $ | 7,347 |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | 7,347 |
Collectively evaluated for impairment |  |  | 2,040,299 |  |  |  | 770,705 |  |  |  | 150,293 |  |  |  | 665,952 |  |  |  | 3,627,249 |
Loans acquired with deteriorated credit quality |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Total ending loans balance |  | $ | 2,047,646 |  |  | $ | 770,705 |  |  | $ | 150,293 |  |  | $ | 665,952 |  |  | $ | 3,634,596 |
|  | 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 |  | $ | 6,696 |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | 6,696 |
Collectively evaluated for impairment |  |  | 1,715,856 |  |  |  | 668,124 |  |  |  | 74,120 |  |  |  | 546,774 |  |  |  | 3,004,874 |
Loans acquired with deteriorated credit quality |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Total ending loans balance |  | $ | 1,722,552 |  |  | $ | 668,124 |  |  | $ | 74,120 |  |  | $ | 546,774 |  |  | $ | 3,011,570 |

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- Definition Tabular disclosure of allowance for credit loss on financing receivable. + References Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef -Publisher FASB -Name Accounting Standards Codification -Topic 310 -SubTopic 10 -Section 50 -Paragraph 11B -URI http://asc.fasb.org/extlink&oid=118936363&loc=SL6953423-111524 Reference 2: http://www.xbrl.org/2009/role/commonPracticeRef -Publisher FASB -Name Accounting Standards Codification -Topic 326 -SubTopic 20 -Section 50 -Paragraph 13 -URI http://asc.fasb.org/extlink&oid=119407570&loc=SL82919249-210447 + Details
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