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Allowance for Loan Losses (Tables)
 12 Months Ended
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