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Non-performing Assets and Impaired Loans (Tables)

12 Months Ended

Dec. 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 nonaccrual, loans past due over 90 days still on accrual, and troubled debt restructured (“TDRs”) by class of loans:

		December 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		$	2,424			$	—			$	629			$	139			$	3,192
Non-owner occupied real estate			682				—				374				—				1,056
Residential spec homes			—				—				—				—				—
Development & spec land			73				—				—				—				73
Commercial and industrial			1,603				—				78				1,345				3,026
Total commercial			4,782				—				1,081				1,484				7,347
Real estate
Residential mortgage			7,614				1				708				1,561				9,884
Residential construction			—				—				—				—				—
Mortgage warehouse			—				—				—				—				—
Total real estate			7,614				1				708				1,561				9,884
Consumer
Direct installment			30				5				—				—				35
Indirect installment			1,234				135				—				—				1,369
Home equity			2,019				5				217				309				2,550
Total consumer			3,283				145				217				309				3,954
Total		$	15,679			$	146			$	2,006			$	3,354			$	21,185

		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		$	3,531			$	208			$	—			$	109			$	3,848
Non-owner occupied real estate			554				—				492				—				1,046
Residential spec homes			—				—				—				—				—
Development & spec land			68				—				—				—				68
Commercial and industrial			1,941				—				—				—				1,941
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 loans:

		December 31, 2019
														Twelve 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		$	3,192			$	3,193			$	—			$	3,608			$	246
Non-owner occupied real estate			937				937				—				2,810				98
Residential spec homes			—				—				—				—				—
Development & spec land			73				73				—				158				—
Commercial and industrial			1,859				1,861				—				2,464				100
Total commercial			6,061				6,064				—				9,040				444
With an allowance recorded
Commercial
Owner occupied real estate			—				—				—				—				—
Non-owner occupied real estate			119				119				25				130				—
Residential spec homes			—				—				—				—				—
Development & spec land			—				—				—				—				—
Commercial and industrial			1,167				1,168				516				1,225				46
Total commercial			1,286				1,287				541				1,355				46
Total		$	7,347			$	7,351			$	541			$	10,395			$	490

		December 31, 2018
														Twelve 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		$	2,814			$	2,815			$	—			$	3,168			$	77
Non-owner occupied real estate			860				860				—				1,096				12
Residential spec homes			—				—				—				—				—
Development & spec land			68				68				—				71				—
Commercial and industrial			1,226				1,226				—				1,119				21
Total commercial			4,968				4,969				—				5,454				110
With an allowance recorded
Commercial
Owner occupied real estate			827				827				145				864				—
Non-owner occupied real estate			186				186				30				180				4
Residential spec homes			—				—				—				—				—
Development & spec land			—				—				—				—				—
Commercial and industrial			715				715				860				870				14
Total commercial			1,728				1,728				1,035				1,914				18
Total		$	6,696			$	6,697			$	1,035			$	7,368			$	128

		December 31, 2017
														Twelve 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		$	1,255			$	1,270			$	—			$	1,168			$	4
Non-owner occupied real estate			3,123				3,139				—				850				7
Residential spec homes			—				—				—				—				—
Development & spec land			176				176				—				233				4
Commercial and industrial			1,656				1,656				—				1,445				25
Total commercial			6,210				6,241				—				3,696				40
With an allowance recorded
Commercial
Owner occupied real estate			704				704				78				59				33
Non-owner occupied real estate			227				227				106				19				13
Residential spec homes			—				—				—				—				—
Development & spec land			—				—				—				—				—
Commercial and industrial			—				—				—				—				—
Total commercial			931				931				184				78				46
Total		$	7,141			$	7,172			$	184			$	3,774			$	86

Payment Status by Class of Loan

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

		December 31, 2019
		Current				30-59 Days Past Due				60-89 Days Past Due				90 Days or Greater Past Due				Non-accrual & Non-peforming TDRs				Total Past Due & Non-accrual Loans				Total
Commercial
Owner occupied real estate		$	515,604			$	920			$	—			$	—			$	3,053			$	3,973			$	519,577
Non-owner occupied real estate			972,195				80				—				—				1,056				1,136				973,331
Residential spec homes			12,925				—				—				—				—				—				12,925
Development & spec land			35,881				—				—				—				73				73				35,954
Commercial and industrial			503,348				819				11				—				1,681				2,511				505,859
Total commercial			2,039,953				1,819				11				—				5,863				7,693				2,047,646
Real estate
Residential mortgage			740,712				1,984				—				1				8,322				10,307				751,019
Residential construction			19,686				—				—				—				—				—				19,686
Mortgage warehouse			150,293				—				—				—				—				—				150,293
Total real estate			910,691				1,984				—				1				8,322				10,307				920,998
Consumer
Direct installment			40,864				175				5				5				30				215				41,079
Indirect installment			344,478				2,407				404				135				1,234				4,180				348,658
Home equity			273,050				904				20				5				2,236				3,165				276,215
Total consumer			658,392				3,486				429				145				3,500				7,560				665,952
Total		$	3,609,036			$	7,289			$	440			$	146			$	17,685			$	25,560			$	3,634,596
Percentage of total loans			99.30	%			0.20	%			0.01	%			0.00	%			0.49	%			0.70	%			100.00	%

		December 31, 2018
		Current				30-59 Days Past Due				60-89 Days Past Due				90 Days or Greater Past Due				Non-accrual & Non-peforming TDRs				Total Past Due & Non-accrual Loans				Total
Commercial
Owner occupied real estate		$	439,542			$	537			$	1,016			$	208			$	3,531			$	5,292			$	444,834
Non-owner occupied real estate			851,587				203				19				—				1,046				1,268				852,855
Residential spec homes			4,703				492				—				—				—				492				5,195
Development & spec land			50,638				—				—				—				68				68				50,706
Commercial and industrial			365,817				487				717				—				1,941				3,145				368,962
Total commercial			1,712,287				1,719				1,752				208				6,586				10,265				1,722,552
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			34,957				93				18				—				35				146				35,103
Indirect installment			311,494				1,396				198				173				916				2,683				314,177
Home equity			194,890				761				37				7				1,799				2,604				197,494
Total consumer			541,341				2,250				253				180				2,750				5,433				546,774
Total		$	2,991,236			$	5,100			$	2,061			$	568			$	12,605			$	20,334			$	3,011,570
Percentage of total loans			99.32	%			0.17	%			0.07	%			0.02	%			0.42	%			0.68	%			100.00	%

Loans by Credit Grades

The following table presents loans by credit grades.

		December 31, 2019
		Pass				Special Mention				Substandard				Doubtful				Total
Commercial
Owner occupied real estate		$	492,386			$	8,328			$	18,863			$	—			$	519,577
Non-owner occupied real estate			957,990				7,824				7,517				—				973,331
Residential spec homes			12,925				—				—				—				12,925
Development & spec land			35,815				—				139				—				35,954
Commercial and industrial			468,893				18,652				18,314				—				505,859
Total commercial			1,968,009				34,804				44,833				—				2,047,646
Real estate
Residential mortgage			741,136				—				9,883				—				751,019
Residential construction			19,686				—				—				—				19,686
Mortgage warehouse			150,293				—				—				—				150,293
Total real estate			911,115				—				9,883				—				920,998
Consumer
Direct installment			41,044				—				35				—				41,079
Indirect installment			347,289				—				1,369				—				348,658
Home equity			273,665				—				2,550				—				276,215
Total consumer			661,998				—				3,954				—				665,952
Total		$	3,541,122			$	34,804			$	58,670			$	—			$	3,634,596
Percentage of total loans			97.43	%			0.96	%			1.61	%			0.00	%			100.00	%

		December 31, 2018
		Pass				Special Mention				Substandard				Doubtful				Total
Commercial
Owner occupied real estate		$	426,887			$	3,664			$	14,283			$	—			$	444,834
Non-owner occupied real estate			834,582				9,682				8,591				—				852,855
Residential spec homes			5,195				—				—				—				5,195
Development & spec land			47,523				3,115				68				—				50,706
Commercial and industrial			354,630				6,591				7,741				—				368,962
Total commercial			1,668,817				23,052				30,683				—				1,722,552
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			35,068				—				35				—				35,103
Indirect installment			313,088				—				1,089				—				314,177
Home equity			195,353				—				2,141				—				197,494
Total consumer			543,509				—				3,265				—				546,774
Total		$	2,949,743			$	23,052			$	38,775			$	—			$	3,011,570
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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-Publisher FASB
-Name Accounting Standards Codification
-Topic 326
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-Section 50
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