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Loans Receivable and Allowance for Loan Losses (Tables) | 9 Months Ended
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Sep. 30, 2014
Receivables [Abstract] |
Summary of Loan Portfolio, Excluding Residential Loans Held for Sale, Broken Out by Classes | The loan portfolio, excluding residential loans held for sale, broken out by classes, as of September 30, 2014 and December 31, 2013 was as follows:
(Dollars in thousands) | September 30, 2014 |  | December 31, 2013
Commercial real estate: |  |  |
Owner-occupied | $ | 97,401 |  |  | $ | 111,290 |
Non-owner occupied | 142,146 |  |  | 135,953 |
Multi-family | 26,801 |  |  | 22,882 |
Non-owner occupied residential | 48,559 |  |  | 55,272 |
Acquisition and development: |  |  |
1-4 family residential construction | 5,297 |  |  | 3,338 |
Commercial and land development | 15,480 |  |  | 19,440 |
Commercial and industrial | 45,125 |  |  | 33,446 |
Municipal | 62,385 |  |  | 60,996 |
Residential mortgage: |  |  |
First lien | 126,552 |  |  | 124,728 |
Home equity - term | 20,833 |  |  | 20,131 |
Home equity - lines of credit | 83,673 |  |  | 77,377 |
Installment and other loans | 6,122 |  |  | 6,184 |
| $ | 680,374 |  |  | $ | 671,037 |
Bank's Ratings Based on its Internal Risk Rating System | The following summarizes the Bank’s ratings based on its internal risk rating system as of September 30, 2014 and December 31, 2013:
(Dollars in thousands) | Pass |  | Special Mention |  | Non-Impaired Substandard |  | Impaired - Substandard |  | Doubtful |  | Total
September 30, 2014 |  |  |  |  |  |  |  |  |  |  |
Commercial real estate: |  |  |  |  |  |  |  |  |  |  |
Owner-occupied | $ | 84,959 |  |  | $ | 3,367 |  |  | $ | 5,915 |  |  | $ | 3,160 |  |  | $ | 0 |  |  | $ | 97,401 |
Non-owner occupied | 121,406 |  |  | 17,034 |  |  | 1,287 |  |  | 2,378 |  |  | 41 |  |  | 142,146 |
Multi-family | 24,367 |  |  | 1,108 |  |  | 1,230 |  |  | 96 |  |  | 0 |  |  | 26,801 |
Non-owner occupied residential | 38,590 |  |  | 6,117 |  |  | 2,212 |  |  | 1,640 |  |  | 0 |  |  | 48,559 |
Acquisition and development: |  |  |  |  |  |  |  |  |  |  |
1-4 family residential construction | 5,297 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 5,297 |
Commercial and land development | 11,801 |  |  | 1,082 |  |  | 1,348 |  |  | 1,249 |  |  | 0 |  |  | 15,480 |
Commercial and industrial | 41,568 |  |  | 1,742 |  |  | 1,121 |  |  | 575 |  |  | 119 |  |  | 45,125 |
Municipal | 62,385 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 62,385 |
Residential mortgage: |  |  |  |  |  |  |  |  |  |  |
First lien | 121,583 |  |  | 0 |  |  | 0 |  |  | 4,936 |  |  | 33 |  |  | 126,552 |
Home equity - term | 20,761 |  |  | 0 |  |  | 0 |  |  | 72 |  |  | 0 |  |  | 20,833 |
Home equity - lines of credit | 83,132 |  |  | 315 |  |  | 184 |  |  | 42 |  |  | 0 |  |  | 83,673 |
Installment and other loans | 6,105 |  |  | 0 |  |  | 0 |  |  | 17 |  |  | 0 |  |  | 6,122 |
| $ | 621,954 |  |  | $ | 30,765 |  |  | $ | 13,297 |  |  | $ | 14,165 |  |  | $ | 193 |  |  | $ | 680,374 |
December 31, 2013 |  |  |  |  |  |  |  |  |  |  |
Commercial real estate: |  |  |  |  |  |  |  |  |  |  |
Owner-occupied | $ | 92,063 |  |  | $ | 3,305 |  |  | $ | 11,360 |  |  | $ | 4,107 |  |  | $ | 455 |  |  | $ | 111,290 |
Non-owner occupied | 107,113 |  |  | 6,904 |  |  | 14,819 |  |  | 7,117 |  |  | 0 |  |  | 135,953 |
Multi-family | 20,091 |  |  | 2,132 |  |  | 337 |  |  | 322 |  |  | 0 |  |  | 22,882 |
Non-owner occupied residential | 42,007 |  |  | 4,982 |  |  | 3,790 |  |  | 4,493 |  |  | 0 |  |  | 55,272 |
Acquisition and development: |  |  |  |  |  |  |  |  |  |  |
1-4 family residential construction | 3,292 |  |  | 0 |  |  | 46 |  |  | 0 |  |  | 0 |  |  | 3,338 |
Commercial and land development | 14,118 |  |  | 1,433 |  |  | 712 |  |  | 3,177 |  |  | 0 |  |  | 19,440 |
Commercial and industrial | 28,933 |  |  | 2,129 |  |  | 383 |  |  | 1,878 |  |  | 123 |  |  | 33,446 |
Municipal | 60,996 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 60,996 |
Residential mortgage: |  |  |  |  |  |  |  |  |  |  |
First lien | 121,353 |  |  | 0 |  |  | 0 |  |  | 3,327 |  |  | 48 |  |  | 124,728 |
Home equity - term | 20,024 |  |  | 0 |  |  | 0 |  |  | 94 |  |  | 13 |  |  | 20,131 |
Home equity - lines of credit | 77,187 |  |  | 0 |  |  | 9 |  |  | 181 |  |  | 0 |  |  | 77,377 |
Installment and other loans | 6,184 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 6,184 |
| $ | 593,361 |  |  | $ | 20,885 |  |  | $ | 31,456 |  |  | $ | 24,696 |  |  | $ | 639 |  |  | $ | 671,037 |
Impaired Loans by Class | The following summarizes impaired loans by class, segregated by those for which a specific allowance was required and those for which a specific allowance was not required as of September 30, 2014 and December 31, 2013. The recorded investment in loans excludes accrued interest receivable due to insignificance. Allowances established generally pertain to those loans in which loan forbearance agreements were in the process of being negotiated or updated appraisals were pending, and the partial charge-off will be recorded when final information is received.
| Impaired Loans with a Specific Allowance |  | Impaired Loans with No Specific Allowance
(Dollars in thousands) | Recorded Investment (Book Balance) |  | Unpaid Principal Balance (Legal Balance) |  | Related Allowance |  | Recorded Investment (Book Balance) |  | Unpaid Principal Balance (Legal Balance)
September 30, 2014 |  |  |  |  |  |  |  |  |
Commercial real estate: |  |  |  |  |  |  |  |  |
Owner-occupied | $ | 0 |  |  | $ | 0 |  |  | $ | 0 |  |  | $ | 3,160 |  |  | $ | 4,345 |
Non-owner occupied | 686 |  |  | 728 |  |  | 41 |  |  | 1,733 |  |  | 3,499 |
Multi-family | 0 |  |  | 0 |  |  | 0 |  |  | 96 |  |  | 128 |
Non-owner occupied residential | 222 |  |  | 243 |  |  | 28 |  |  | 1,418 |  |  | 1,846 |
Acquisition and development: |  |  |  |  |  |  |  |  |
Commercial and land development | 0 |  |  | 0 |  |  | 0 |  |  | 1,249 |  |  | 1,929 |
Commercial and industrial | 0 |  |  | 0 |  |  | 0 |  |  | 694 |  |  | 766 |
Residential mortgage: |  |  |  |  |  |  |  |  |
First lien | 851 |  |  | 851 |  |  | 134 |  |  | 4,118 |  |  | 4,707 |
Home equity - term | 0 |  |  | 0 |  |  | 0 |  |  | 72 |  |  | 73 |
Home equity - lines of credit | 0 |  |  | 0 |  |  | 0 |  |  | 42 |  |  | 43 |
Installment and other loans | 0 |  |  | 0 |  |  | 0 |  |  | 17 |  |  | 39 |
| $ | 1,759 |  |  | $ | 1,822 |  |  | $ | 203 |  |  | $ | 12,599 |  |  | $ | 17,375 |
December 31, 2013 |  |  |  |  |  |  |  |  |
Commercial real estate: |  |  |  |  |  |  |  |  |
Owner-occupied | $ | 615 |  |  | $ | 1,099 |  |  | $ | 552 |  |  | $ | 3,947 |  |  | $ | 4,575 |
Non-owner occupied | 0 |  |  | 0 |  |  | 0 |  |  | 7,117 |  |  | 7,670 |
Multi-family | 0 |  |  | 0 |  |  | 0 |  |  | 322 |  |  | 415 |
Non-owner occupied residential | 0 |  |  | 0 |  |  | 0 |  |  | 4,493 |  |  | 4,836 |
Acquisition and development: |  |  |  |  |  |  |  |  |
Commercial and land development | 0 |  |  | 0 |  |  | 0 |  |  | 3,177 |  |  | 3,812 |
Commercial and industrial | 0 |  |  | 0 |  |  | 0 |  |  | 2,001 |  |  | 2,143 |
Residential mortgage: |  |  |  |  |  |  |  |  |
First lien | 48 |  |  | 48 |  |  | 48 |  |  | 3,327 |  |  | 3,619 |
Home equity - term | 13 |  |  | 13 |  |  | 13 |  |  | 94 |  |  | 96 |
Home equity - lines of credit | 0 |  |  | 0 |  |  | 0 |  |  | 181 |  |  | 183 |
| $ | 676 |  |  | $ | 1,160 |  |  | $ | 613 |  |  | $ | 24,659 |  |  | $ | 27,349 |
Average Recorded Investment in Impaired Loans and Related Interest Income | The following summarizes the average recorded investment in impaired loans and related interest income recognized on loans deemed impaired, generally on a cash basis, for the three and nine months ended September 30, 2014 and 2013:
| Three Months Ended September 30,
| 2014 |  | 2013
(Dollars in thousands) | Average Impaired Balance |  | Interest Income Recognized |  | Average Impaired Balance |  | Interest Income Recognized
Commercial real estate: |  |  |  |  |  |  |
Owner-occupied | $ | 3,681 |  |  | $ | 1 |  |  | $ | 4,249 |  |  | $ | 41 |
Non-owner occupied | 7,361 |  |  | 46 |  |  | 3,980 |  |  | 50 |
Multi-family | 98 |  |  | 0 |  |  | 168 |  |  | 16 |
Non-owner occupied residential | 1,905 |  |  | 0 |  |  | 5,108 |  |  | 45 |
Acquisition and development: |  |  |  |  |  |  |
1-4 family residential construction | 0 |  |  | 0 |  |  | 345 |  |  | 0 |
Commercial and land development | 1,286 |  |  | 9 |  |  | 2,613 |  |  | 0 |
Commercial and industrial | 1,263 |  |  | 0 |  |  | 1,875 |  |  | 0 |
Residential mortgage: |  |  |  |  |  |  |
First lien | 4,772 |  |  | 15 |  |  | 2,421 |  |  | 29 |
Home equity - term | 72 |  |  | 0 |  |  | 47 |  |  | 2 |
Home equity - lines of credit | 49 |  |  | 0 |  |  | 116 |  |  | 4 |
Installment and other loans | 10 |  |  | 1 |  |  | 1 |  |  | 0 |
| $ | 20,497 |  |  | $ | 72 |  |  | $ | 20,923 |  |  | $ | 187 |
| Nine Months Ended September 30,
| 2014 |  | 2013
(Dollars in thousands) | Average Impaired Balance |  | Interest Income Recognized |  | Average Impaired Balance |  | Interest Income Recognized
Commercial real estate: |  |  |  |  |  |  |
Owner-occupied | $ | 3,965 |  |  | $ | 9 |  |  | $ | 3,270 |  |  | $ | 99 |
Non-owner occupied | 7,205 |  |  | 137 |  |  | 3,605 |  |  | 86 |
Multi-family | 234 |  |  | 0 |  |  | 89 |  |  | 16 |
Non-owner occupied residential | 2,603 |  |  | 2 |  |  | 4,875 |  |  | 60 |
Acquisition and development: |  |  |  |  |  |  |
1-4 family residential construction | 0 |  |  | 0 |  |  | 602 |  |  | 0 |
Commercial and land development | 1,787 |  |  | 20 |  |  | 2,967 |  |  | 2 |
Commercial and industrial | 1,676 |  |  | 2 |  |  | 1,724 |  |  | 65 |
Residential mortgage: |  |  |  |  |  |  |
First lien | 4,068 |  |  | 45 |  |  | 2,528 |  |  | 31 |
Home equity - term | 90 |  |  | 0 |  |  | 47 |  |  | 2 |
Home equity - lines of credit | 85 |  |  | 0 |  |  | 336 |  |  | 4 |
Installment and other loans | 5 |  |  | 1 |  |  | 1 |  |  | 0 |
| $ | 21,718 |  |  | $ | 216 |  |  | $ | 20,044 |  |  | $ | 365 |
Troubled Debt Restructurings | The following presents impaired loans that are troubled debt restructurings, with the recorded investment as of September 30, 2014 and December 31, 2013.
| September 30, 2014 |  | December 31, 2013
(Dollars in thousands) | Number of Contracts |  | Recorded Investment |  | Number of Contracts |  | Recorded Investment
Accruing: |  |  |  |  |  |  |
Commercial real estate: |  |  |  |  |  |  |
Owner-occupied | 0 |  |  | $ | 0 |  |  | 1 |  |  | $ | 200 |
Non-owner occupied | 0 |  |  | 0 |  |  | 2 |  |  | 4,268 |
Acquisition and development: |  |  |  |  |  |  |
Commercial and land development | 2 |  |  | 917 |  |  | 2 |  |  | 1,071 |
Residential mortgage: |  |  |  |  |  |  |
First lien | 8 |  |  | 818 |  |  | 1 |  |  | 449 |
| 10 |  |  | 1,735 |  |  | 6 |  |  | 5,988 |
Nonaccruing: |  |  |  |  |  |  |
Commercial real estate: |  |  |  |  |  |  |
Owner-occupied | 1 |  |  | 49 |  |  | 1 |  |  | 71 |
Non-owner occupied | 1 |  |  | 686 |  |  | 1 |  |  | 694 |
Non-owner occupied residential | 0 |  |  | 0 |  |  | 1 |  |  | 193 |
Commercial and industrial | 0 |  |  | 0 |  |  | 2 |  |  | 310 |
Residential mortgage: |  |  |  |  |  |  |
First lien | 12 |  |  | 1,669 |  |  | 1 |  |  | 279 |
Consumer | 1 |  |  | 14 |  |  | 0 |  |  | 0 |
| 15 |  |  | 2,418 |  |  | 6 |  |  | 1,547 |
| 25 |  |  | $ | 4,153 |  |  | 12 |  |  | $ | 7,535 |
Number of Loans Modified and Their Pre-Modification and Post-Modification Investment Balances | The following table presents the number of loans modified, and their pre-modification and post-modification investment balances for the three and nine months ended September 30, 2014 and 2013:
| 2014 |  | 2013
(Dollars in thousands) | Number of Contracts |  | Pre- Modification Recorded Investment |  | Post Modification Recorded Investment |  | Number of Contracts |  | Pre- Modification Recorded Investment |  | Post Modification Recorded Investment
Three Months Ended September 30, |  |  |  |  |  |  |  |  |  |  |
Commercial real estate: |  |  |  |  |  |  |  |  |  |  |
Owner occupied | 0 |  |  | $ | 0 |  |  | $ | 0 |  |  | 2 |  |  | $ | 150 |  |  | $ | 150 |
Non-owner occupied | 0 |  |  | 0 |  |  | 0 |  |  | 2 |  |  | 3,457 |  |  | 3,457 |
Residential mortgage: |  |  |  |  |  |  |  |  |  |  |
First lien | 4 |  |  | 285 |  |  | 285 |  |  | 0 |  |  | 0 |  |  | 0 |
Installment and other loans | 1 |  |  | 36 |  |  | 14 |  |  | 0 |  |  | 0 |  |  | 0 |
| 5 |  |  | $ | 321 |  |  | $ | 299 |  |  | 4 |  |  | $ | 3,607 |  |  | $ | 3,607 |
Nine Months Ended September 30, |  |  |  |  |  |  |  |  |  |  |
Commercial real estate: |  |  |  |  |  |  |  |  |  |  |
Owner occupied | 0 |  |  | $ | 0 |  |  | $ | 0 |  |  | 2 |  |  | $ | 150 |  |  | $ | 150 |
Non-owner occupied | 0 |  |  | 0 |  |  | 0 |  |  | 2 |  |  | 3,457 |  |  | 3,457 |
Acquisition and development: |  |  |  |  |  |  |  |  |  |  |
Commercial and land development | 0 |  |  | 0 |  |  | 0 |  |  | 1 |  |  | 524 |  |  | 524 |
Residential mortgage: |  |  |  |  |  |  |  |  |  |  |
First lien | 18 |  |  | 1,808 |  |  | 1,741 |  |  | 0 |  |  | 0 |  |  | 0 |
Installment and other loans | 1 |  |  | 36 |  |  | 14 |  |  | 0 |  |  | 0 |  |  | 0 |
| 19 |  |  | $ | 1,844 |  |  | $ | 1,755 |  |  | 5 |  |  | $ | 4,131 |  |  | $ | 4,131 |
Restructured Loans Included in Nonaccrual Status were Modified as Troubled Debt Restructurings within Previous 12 Months and for which There was Payment Default | The following table presents restructured loans, included in nonaccrual status, that were modified as TDRs within the previous 12 months and for which there was a payment default during the three and nine months ended September 30, 2014 and 2013:
| 2014 |  | 2013
(Dollars in thousands) | Number of Contracts |  | Recorded Investment |  | Number of Contracts |  | Recorded Investment
Three Months Ended September 30, |  |  |  |  |  |  |
Acquisition and development: |  |  |  |  |  |  |
Commercial and land development | 1 |  |  | $ | 544 |  |  | 0 |  |  | $ | 0 |
Residential mortgage: |  |  |  |  |  |  |
First lien | 2 |  |  | 180 |  |  | 0 |  |  | 0 |
| 3 |  |  | $ | 724 |  |  | 0 |  |  | $ | 0 |
Nine Months Ended September 30, |  |  |  |  |  |  |
Commercial real estate: |  |  |  |  |  |  |
Non-owner occupied | 1 |  |  | $ | 3,495 |  |  | 0 |  |  | $ | 0 |
Acquisition and development: |  |  |  |  |  |  |
Commercial and land development | 1 |  |  | 544 |  |  | 0 |  |  | 0 |
Residential mortgage: |  |  |  |  |  |  |
First lien | 2 |  |  | 180 |  |  | 0 |  |  | 0 |
| 4 |  |  | $ | 4,219 |  |  | 0 |  |  | $ | 0 |
Loan Portfolio Summarized by Aging Categories of Performing Loans and Nonaccrual Loans | The following table presents the classes of the loan portfolio summarized by aging categories of performing loans and nonaccrual loans as of September 30, 2014 and December 31, 2013:
|  |  | Days Past Due |  |  |  |  |  |
| Current |  | 30-59 |  | 60-89 |  | 90+ (still accruing) |  | Total Past Due |  | Non- Accrual |  | Total Loans
September 30, 2014 |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial real estate: |  |  |  |  |  |  |  |  |  |  |  |  |
Owner-occupied | $ | 94,034 |  |  | $ | 207 |  |  | $ | 0 |  |  | $ | 0 |  |  | $ | 207 |  |  | $ | 3,160 |  |  | $ | 97,401 |
Non-owner occupied | 139,612 |  |  | 115 |  |  | 0 |  |  | 0 |  |  | 115 |  |  | 2,419 |  |  | 142,146 |
Multi-family | 26,705 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 96 |  |  | 26,801 |
Non-owner occupied residential | 46,806 |  |  | 113 |  |  | 0 |  |  | 0 |  |  | 113 |  |  | 1,640 |  |  | 48,559 |
Acquisition and development: |  |  |  |  |  |  |  |  |  |  |  |  |
1-4 family residential construction | 5,297 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 5,297 |
Commercial and land development | 14,604 |  |  | 544 |  |  | 0 |  |  | 0 |  |  | 544 |  |  | 332 |  |  | 15,480 |
Commercial and industrial | 44,431 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 694 |  |  | 45,125 |
Municipal | 62,385 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 62,385 |
Residential mortgage: |  |  |  |  |  |  |  |  |  |  |  |  |
First lien | 121,750 |  |  | 626 |  |  | 25 |  |  | 0 |  |  | 651 |  |  | 4,151 |  |  | 126,552 |
Home equity - term | 20,651 |  |  | 110 |  |  | 0 |  |  | 0 |  |  | 110 |  |  | 72 |  |  | 20,833 |
Home equity - lines of credit | 83,516 |  |  | 115 |  |  | 0 |  |  | 0 |  |  | 115 |  |  | 42 |  |  | 83,673 |
Installment and other loans | 6,071 |  |  | 27 |  |  | 7 |  |  | 0 |  |  | 34 |  |  | 17 |  |  | 6,122 |
| $ | 665,862 |  |  | $ | 1,857 |  |  | $ | 32 |  |  | $ | 0 |  |  | $ | 1,889 |  |  | $ | 12,623 |  |  | $ | 680,374 |
December 31, 2013 |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial real estate: |  |  |  |  |  |  |  |  |  |  |  |  |
Owner-occupied | $ | 106,078 |  |  | $ | 742 |  |  | $ | 108 |  |  | $ | 0 |  |  | $ | 850 |  |  | $ | 4,362 |  |  | $ | 111,290 |
Non-owner occupied | 132,913 |  |  | 191 |  |  | 0 |  |  | 0 |  |  | 191 |  |  | 2,849 |  |  | 135,953 |
Multi-family | 22,560 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 322 |  |  | 22,882 |
Non-owner occupied residential | 50,554 |  |  | 225 |  |  | 0 |  |  | 0 |  |  | 225 |  |  | 4,493 |  |  | 55,272 |
Acquisition and development: |  |  |  |  |  |  |  |  |  |  |  |  |
1-4 family residential construction | 3,338 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 3,338 |
Commercial and land development | 17,289 |  |  | 45 |  |  | 0 |  |  | 0 |  |  | 45 |  |  | 2,106 |  |  | 19,440 |
Commercial and industrial | 31,111 |  |  | 334 |  |  | 0 |  |  | 0 |  |  | 334 |  |  | 2,001 |  |  | 33,446 |
Municipal | 60,996 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 60,996 |
Residential mortgage: |  |  |  |  |  |  |  |  |  |  |  |  |
First lien | 119,845 |  |  | 1,380 |  |  | 577 |  |  | 0 |  |  | 1,957 |  |  | 2,926 |  |  | 124,728 |
Home equity - term | 19,966 |  |  | 56 |  |  | 2 |  |  | 0 |  |  | 58 |  |  | 107 |  |  | 20,131 |
Home equity - lines of credit | 76,982 |  |  | 214 |  |  | 0 |  |  | 0 |  |  | 214 |  |  | 181 |  |  | 77,377 |
Installment and other loans | 6,095 |  |  | 77 |  |  | 12 |  |  | 0 |  |  | 89 |  |  | 0 |  |  | 6,184 |
| $ | 647,727 |  |  | $ | 3,264 |  |  | $ | 699 |  |  | $ | 0 |  |  | $ | 3,963 |  |  | $ | 19,347 |  |  | $ | 671,037 |
Activity in Allowance for Loan Losses | Activity in the allowance for loan losses for the three months ended September 30, 2014 and 2013 is as follows:
| Commercial |  | Consumer |  |  |  |
(Dollars in thousands) | Commercial Real Estate |  | Acquisition and Development |  | Commercial and Industrial |  | Municipal |  | Total |  | Residential Mortgage |  | Installment and Other |  | Total |  | Unallocated |  | Total
September 30, 2014 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Balance, beginning of period | $ | 14,053 |  |  | $ | 852 |  |  | $ | 993 |  |  | $ | 178 |  |  | $ | 16,076 |  |  | $ | 2,362 |  |  | $ | 186 |  |  | $ | 2,548 |  |  | $ | 1,801 |  |  | $ | 20,425 |
Provision for loan losses | (2,593 | ) |  | (284 | ) |  | (387 | ) |  | 9 |  |  | (3,255 | ) |  | 72 |  |  | 66 |  |  | 138 |  |  | 217 |  |  | (2,900 | )
Charge-offs | (1,840 | ) |  | (33 | ) |  | (1 | ) |  | 0 |  |  | (1,874 | ) |  | (286 | ) |  | (78 | ) |  | (364 | ) |  | 0 |  |  | (2,238 | )
Recoveries | 382 |  |  | 0 |  |  | 317 |  |  | 0 |  |  | 699 |  |  | 6 |  |  | 27 |  |  | 33 |  |  | 0 |  |  | 732 |
Balance, end of period | $ | 10,002 |  |  | $ | 535 |  |  | $ | 922 |  |  | $ | 187 |  |  | $ | 11,646 |  |  | $ | 2,154 |  |  | $ | 201 |  |  | $ | 2,355 |  |  | $ | 2,018 |  |  | $ | 16,019 |
September 30, 2013 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Balance, beginning of period | $ | 11,288 |  |  | $ | 1,946 |  |  | $ | 875 |  |  | $ | 254 |  |  | $ | 14,363 |  |  | $ | 3,796 |  |  | $ | 134 |  |  | $ | 3,930 |  |  | $ | 1,805 |  |  | $ | 20,098 |
Provision for loan losses | 3,495 |  |  | (1,117 | ) |  | (2,651 | ) |  | (12 | ) |  | (285 | ) |  | 2 |  |  | 11 |  |  | 13 |  |  | 272 |  |  | 0 |
Charge-offs | (1,767 | ) |  | (2 | ) |  | 0 |  |  | 0 |  |  | (1,769 | ) |  | 0 |  |  | (46 | ) |  | (46 | ) |  | 0 |  |  | (1,815 | )
Recoveries | 45 |  |  | 267 |  |  | 2,530 |  |  | 0 |  |  | 2,842 |  |  | 100 |  |  | 27 |  |  | 127 |  |  | 0 |  |  | 2,969 |
Balance, end of period | $ | 13,061 |  |  | $ | 1,094 |  |  | $ | 754 |  |  | $ | 242 |  |  | $ | 15,151 |  |  | $ | 3,898 |  |  | $ | 126 |  |  | $ | 4,024 |  |  | $ | 2,077 |  |  | $ | 21,252 |
Activity in the allowance for loan losses for the nine months ended September 30, 2014 and 2013 is as follows:
| Commercial |  | Consumer |  |  |  |
(Dollars in thousands) | Commercial Real Estate |  | Acquisition and Development |  | Commercial and Industrial |  | Municipal |  | Total |  | Residential Mortgage |  | Installment and Other |  | Total |  | Unallocated |  | Total
September 30, 2014 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Balance, beginning of period | $ | 13,215 |  |  | $ | 670 |  |  | $ | 864 |  |  | $ | 244 |  |  | $ | 14,993 |  |  | $ | 3,780 |  |  | $ | 124 |  |  | $ | 3,904 |  |  | $ | 2,068 |  |  | $ | 20,965 |
Provision for loan losses | (1,210 | ) |  | (73 | ) |  | (552 | ) |  | (57 | ) |  | (1,892 | ) |  | (1,150 | ) |  | 192 |  |  | (958 | ) |  | (50 | ) |  | (2,900 | )
Charge-offs | (2,514 | ) |  | (67 | ) |  | (64 | ) |  | 0 |  |  | (2,645 | ) |  | (495 | ) |  | (200 | ) |  | (695 | ) |  | 0 |  |  | (3,340 | )
Recoveries | 511 |  |  | 5 |  |  | 674 |  |  | 0 |  |  | 1,190 |  |  | 19 |  |  | 85 |  |  | 104 |  |  | 0 |  |  | 1,294 |
Balance, end of period | $ | 10,002 |  |  | $ | 535 |  |  | $ | 922 |  |  | $ | 187 |  |  | $ | 11,646 |  |  | $ | 2,154 |  |  | $ | 201 |  |  | $ | 2,355 |  |  | $ | 2,018 |  |  | $ | 16,019 |
September 30, 2013 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Balance, beginning of period | $ | 13,719 |  |  | $ | 3,502 |  |  | $ | 1,635 |  |  | $ | 223 |  |  | $ | 19,079 |  |  | $ | 2,275 |  |  | $ | 85 |  |  | $ | 2,360 |  |  | $ | 1,727 |  |  | $ | 23,166 |
Provision for loan losses | 3,653 |  |  | (3,943 | ) |  | (3,309 | ) |  | 19 |  |  | (3,580 | ) |  | 1,750 |  |  | 80 |  |  | 1,830 |  |  | 350 |  |  | (1,400 | )
Charge-offs | (4,444 | ) |  | (146 | ) |  | (114 | ) |  | 0 |  |  | (4,704 | ) |  | (263 | ) |  | (92 | ) |  | (355 | ) |  | 0 |  |  | (5,059 | )
Recoveries | 133 |  |  | 1,681 |  |  | 2,542 |  |  | 0 |  |  | 4,356 |  |  | 136 |  |  | 53 |  |  | 189 |  |  | 0 |  |  | 4,545 |
Balance, end of period | $ | 13,061 |  |  | $ | 1,094 |  |  | $ | 754 |  |  | $ | 242 |  |  | $ | 15,151 |  |  | $ | 3,898 |  |  | $ | 126 |  |  | $ | 4,024 |  |  | $ | 2,077 |  |  | $ | 21,252 |
Summary of Allowance for Loan Loss Allocation | The following summarizes the ending loan balance individually evaluated for impairment based upon loan segment, as well as the related allowance for loan losses allocation for each at September 30, 2014 and December 31, 2013:
| Commercial |  | Consumer |  |  |  |
(Dollars in thousands) | Commercial Real Estate |  | Acquisition and Development |  | Commercial and Industrial |  | Municipal |  | Total |  | Residential Mortgage |  | Installment and Other |  | Total |  | Unallocated |  | Total
September 30, 2014 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Loans allocated by: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Individually evaluated for impairment | $ | 7,315 |  |  | $ | 1,249 |  |  | $ | 694 |  |  | $ | 0 |  |  | $ | 9,258 |  |  | $ | 5,083 |  |  | $ | 17 |  |  | $ | 5,100 |  |  | $ | 0 |  |  | $ | 14,358 |
Collectively evaluated for impairment | 307,592 |  |  | 19,528 |  |  | 44,431 |  |  | 62,385 |  |  | 433,936 |  |  | 225,975 |  |  | 6,105 |  |  | 232,080 |  |  | 0 |  |  | 666,016 |
| $ | 314,907 |  |  | $ | 20,777 |  |  | $ | 45,125 |  |  | $ | 62,385 |  |  | $ | 443,194 |  |  | $ | 231,058 |  |  | $ | 6,122 |  |  | $ | 237,180 |  |  | $ | 0 |  |  | $ | 680,374 |
Allowance for loan losses allocated by: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Individually evaluated for impairment | $ | 69 |  |  | $ | 0 |  |  | $ | 0 |  |  | $ | 0 |  |  | $ | 69 |  |  | $ | 134 |  |  | $ | 0 |  |  | $ | 134 |  |  | $ | 0 |  |  | $ | 203 |
Collectively evaluated for impairment | 9,933 |  |  | 535 |  |  | 922 |  |  | 187 |  |  | 11,577 |  |  | 2,020 |  |  | 201 |  |  | 2,221 |  |  | 2,018 |  |  | 15,816 |
| $ | 10,002 |  |  | $ | 535 |  |  | $ | 922 |  |  | $ | 187 |  |  | $ | 11,646 |  |  | $ | 2,154 |  |  | $ | 201 |  |  | $ | 2,355 |  |  | $ | 2,018 |  |  | $ | 16,019 |
December 31, 2013 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Loans allocated by: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Individually evaluated for impairment | $ | 16,494 |  |  | $ | 3,177 |  |  | $ | 2,001 |  |  | $ | 0 |  |  | $ | 21,672 |  |  | $ | 3,663 |  |  | $ | 0 |  |  | $ | 3,663 |  |  | $ | 0 |  |  | $ | 25,335 |
Collectively evaluated for impairment | 308,903 |  |  | 19,601 |  |  | 31,445 |  |  | 60,996 |  |  | 420,945 |  |  | 218,573 |  |  | 6,184 |  |  | 224,757 |  |  | 0 |  |  | 645,702 |
| $ | 325,397 |  |  | $ | 22,778 |  |  | $ | 33,446 |  |  | $ | 60,996 |  |  | $ | 442,617 |  |  | $ | 222,236 |  |  | $ | 6,184 |  |  | $ | 228,420 |  |  | $ | 0 |  |  | $ | 671,037 |
Allowance for loan losses allocated by: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Individually evaluated for impairment | $ | 552 |  |  | $ | 0 |  |  | $ | 0 |  |  | $ | 0 |  |  | $ | 552 |  |  | $ | 61 |  |  | $ | 0 |  |  | $ | 61 |  |  | $ | 0 |  |  | $ | 613 |
Collectively evaluated for impairment | 12,663 |  |  | 670 |  |  | 864 |  |  | 244 |  |  | 14,441 |  |  | 3,719 |  |  | 124 |  |  | 3,843 |  |  | 2,068 |  |  | 20,352 |
| $ | 13,215 |  |  | $ | 670 |  |  | $ | 864 |  |  | $ | 244 |  |  | $ | 14,993 |  |  | $ | 3,780 |  |  | $ | 124 |  |  | $ | 3,904 |  |  | $ | 2,068 |  |  | $ | 20,965 |

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