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Loans and Allowance for Loan Losses (Tables)

12 Months Ended

Dec. 31, 2018

Receivables [Abstract]

Schedule of Loans

At December 31, 2018 and 2017, loans consisted of the following (in thousands):

		December 31, 2018												December 31, 2017
		PCI  Loans				All Other Loans				Total				PCI  Loans				All Other Loans				Total
Commercial real estate		$	17,682			$	842,345			$	860,027			$	17,903			$	625,085			$	642,988
Consumer real estate		8,712				398,542				407,254				7,450				286,007				293,457
Construction and land development		4,602				183,293				187,895				5,120				130,289				135,409
Commercial and industrial		2,557				305,697				308,254				858				237,229				238,087
Consumer and other		605				13,204				13,809				1,463				11,854				13,317
Total loans		34,158				1,743,081				1,777,239				32,794				1,290,464				1,323,258
Less:  Allowance for loan losses		—				(8,275		)		(8,275		)		(16		)		(5,844		)		(5,860		)
Loans, net		$	34,158			$	1,734,806			$	1,768,964			$	32,778			$	1,284,620			$	1,317,398

Schedule of Impaired and Performing Loans Receivable

The composition of loans by loan classification for impaired and performing loan status at December 31, 2018 and 2017, is summarized in the tables below (amounts in thousands):

		December 31, 2018
		Commercial Real Estate				Consumer Real Estate				Construction and Land Development				Commercial and Industrial				Consumer and Other				Total
Performing loans		$	841,709			$	397,306			$	182,746			$	304,673			$	13,088			$	1,739,522
Impaired loans		636				1,236				547				1,024				116				3,559
		842,345				398,542				183,293				305,697				13,204				1,743,081
PCI loans		17,682				8,712				4,602				2,557				605				34,158
Total		$	860,027			$	407,254			$	187,895			$	308,254			$	13,809			$	1,777,239

		December 31, 2017
		Commercial Real Estate				Consumer Real Estate				Construction and Land Development				Commercial and Industrial				Consumer and Other				Total
Performing loans		$	624,638			$	284,585			$	129,742			$	237,016			$	11,842			$	1,287,823
Impaired loans		447				1,422				547				213				12				2,641
		625,085				286,007				130,289				237,229				11,854				1,290,464
PCI loans		17,903				7,450				5,120				858				1,463				32,794
Total loans		$	642,988			$	293,457			$	135,409			$	238,087			$	13,317			$	1,323,258

Schedule of Allowance for Loan Losses for Impaired and Performing Loans Receivable

The following tables show the allowance for loan losses allocation by loan classification for impaired and performing loans as of December 31, 2018 and 2017 (amounts in thousands):

		December 31, 2018
										Construction				Commercial				Consumer
		Commercial				Consumer				and Land				and				and
		Real Estate				Real Estate				Development				Industrial				Other				Total
Performing loans		$	3,639			$	1,763			$	795			$	1,304			$	240			$	7,741
PCI loans		—				—				—				—				—				—
Impaired loans		—				26				—				442				66				534
Total		$	3,639			$	1,789			$	795			$	1,746			$	306			$	8,275

Credit Risk Management (continued):

		December 31, 2017
										Construction				Commercial				Consumer
		Commercial				Consumer				and Land				and				and
		Real Estate				Real Estate				Development				Industrial				Other				Total
Performing loans		$	2,444			$	1,340			$	521			$	890			$	204			$	5,399
PCI Loans		16				—				—				—				—				16
Impaired loans		5				256				—				172				12				445
Total		$	2,465			$	1,596			$	521			$	1,062			$	216			$	5,860

Schedule of Loan Receivable Allowance For Credit Losses

The following tables detail the changes in the allowance for loan losses for the year ending December 31, 2018 and December 31, 2017, by loan classification (amounts in thousands):

		December 31, 2018
		Commercial Real Estate				Consumer Real Estate				Construction and Land Development				Commercial and Industrial				Consumer and Other				Total
Beginning balance		$	2,465			$	1,596			$	521			$	1,062			$	216			$	5,860
Loans charged off		(38		)		(275		)		—				(177		)		(370		)		(860		)
Recoveries of loans charged off		2				100				9				72				156				339
Provision (reallocation) charged to operating expense		1,210				368				265				789				304				2,936
Ending balance		$	3,639			$	1,789			$	795			$	1,746			$	306			$	8,275

		December 31, 2017
		Commercial Real Estate				Consumer Real Estate				Construction and Land Development				Commercial and Industrial				Consumer and Other				Total
Beginning balance		$	2,369			$	1,382			$	717			$	520			$	117			$	5,105
Loans charged off		—				(111		)		—				(24		)		(141		)		(276		)
Recoveries of loans charged off		8				99				13				67				61				248
Provision (reallocation) charged to operating expense		88				226				(209		)		499				179				783
Ending balance		$	2,465			$	1,596			$	521			$	1,062			$	216			$	5,860

Loan Credit Quality Indicators

The following tables outline the amount of each loan classification and the amount categorized into each risk rating as of December 31, 2018 and 2017 (amounts in thousands):

Non PCI Loans

		December 31, 2018
		Commercial Real Estate				Consumer Real Estate				Construction and Land Development				Commercial and Industrial				Consumer and Other				Total
Pass		$	834,912			$	394,728			$	182,524			$	303,805			$	12,927			$	1,728,896
Watch		6,791				2,678				64				1,090				135				10,758
Special mention		—				14				158				137				—				309
Substandard		642				1,122				547				462				142				2,915
Doubtful		—				—				—				203				—				203
Total		$	842,345			$	398,542			$	183,293			$	305,697			$	13,204			$	1,743,081

Credit Risk Management (continued):

PCI Loans

		December 31, 2018
		Commercial Real Estate				Consumer Real Estate				Construction and Land Development				Commercial and Industrial				Consumer and Other				Total
Pass		$	14,050			$	5,617			$	4,033			$	2,382			$	541			$	26,623
Watch		1,805				756				569				—				17				3,147
Special mention		1,030				446				—				50				10				1,536
Substandard		797				1,893				—				125				37				2,852
Doubtful		—				—				—				—				—				—
Total		$	17,682			$	8,712			$	4,602			$	2,557			$	605			$	34,158
Total loans		$	860,027			$	407,254			$	187,895			$	308,254			$	13,809			$	1,777,239

Non PCI Loans

		December 31, 2017
		Commercial Real Estate				Consumer Real Estate				Construction and Land Development				Commercial and Industrial				Consumer and Other				Total
Pass		$	616,028			$	279,464			$	129,359			$	233,942			$	11,624			$	1,270,417
Watch		7,673				2,543				383				3,007				62				13,668
Special mention		1,006				2,627				—				64				155				3,852
Substandard		378				1,159				547				157				—				2,241
Doubtful		—				214				—				59				13				286
Total		$	625,085			$	286,007			$	130,289			$	237,229			$	11,854			$	1,290,464

PCI Loans

		December 31, 2017
		Commercial Real Estate				Consumer Real Estate				Construction and Land Development				Commercial and Industrial				Consumer and Other				Total
Pass		$	14,386			$	4,151			$	4,134			$	68			$	819			$	23,558
Watch		261				1,345				649				120				262				2,637
Special mention		—				456				—				58				24				538
Substandard		3,084				1,192				337				588				107				5,308
Doubtful		172				306				—				24				251				753
Total		$	17,903			$	7,450			$	5,120			$	858			$	1,463			$	32,794
Total loans		$	642,988			$	293,457			$	135,409			$	238,087			$	13,317			$	1,323,258

Past Due Loans and Leases

The following tables present the aging of the recorded investment in loans and leases as of December 31, 2018 and 2017 (amounts in thousands): 

		December 31, 2018
		30-59 Days Past Due and Accruing				60-89 Days Past Due and Accruing				Past Due 90 Days or More and Accruing				Nonaccrual				Total Past Due				PCI Loans				Current Loans				Total Loans
Commercial real estate		$	377			$	19			$	—			$	272			$	668			$	17,682			$	841,677			$	860,027
Consumer real estate		1,168				462				454				844				2,928				8,712				395,614				407,254
Construction and land development		343				—				—				547				890				4,602				182,403				187,895
Commercial and industrial		155				—				101				909				1,165				2,557				304,532				308,254
Consumer and other		117				—				29				124				270				605				12,934				13,809
Total		$	2,160			$	481			$	584			$	2,696			$	5,921			$	34,158			$	1,737,160			$	1,777,239

		December 31, 2017
		30-59 Days Past Due and Accruing				60-89 Days Past Due and Accruing				Past Due 90 Days or More and Accruing				Nonaccrual				Total Past Due				PCI Loans				Current Loans				Total Loans
Commercial real estate		$	517			$	—			$	728			$	128			$	1,373			$	17,903			$	623,712			$	642,988
Consumer real estate		769				194				33				991				1,987				7,450				284,020				293,457
Construction and land development		65				—				326				547				938				5,120				129,351				135,409
Commercial and industrial		86				200				131				85				502				858				236,727				238,087
Consumer and other		109				56				291				13				469				1,463				11,385				13,317
Total		$	1,546			$	450			$	1,509			$	1,764			$	5,269			$	32,794			$	1,285,195			$	1,323,258

Impaired Loans

The following is an analysis of the impaired loan portfolio detailing the related allowance recorded as of and for the years ended December 31, 2018 and 2017 (amounts in thousands): 

														For the year ended
		At December 31, 2018												December 31, 2018
		Recorded Investment				Unpaid Principal Balance				Related Allowance				Average Recorded Investment				Interest Income Recognized
Impaired loans without a valuation allowance:
Non PCI Loans:
Commercial real estate		$	636			$	648			$	—			$	855			$	33
Consumer real estate		1,073				1,089				—				934				29
Construction and land development		547				547				—				547				—
Commercial and industrial		69				70				—				69				6
Consumer and other		29				33				—				15				3
		2,354				2,387				—				2,420				71
PCI loans: None in 2018
Impaired loans with a valuation allowance:
Non PCI Loans:
Commercial real estate		—				—				—				—				—
Consumer real estate		163				205				26				365				—
Construction and land development		—				—				—				—				—
Commercial and industrial		955				973				442				476				37
Consumer and other		87				87				66				86				3
		1,205				1,265				534				927				40
PCI loans:
Commercial real estate		—				—				—				11				—
Total impaired loans		$	3,559			$	3,652			$	534			$	3,358			$	111

Impaired Loans (continued):

														For the year ended
		At December 31, 2017												December 31, 2017
		Recorded Investment				Unpaid Principal Balance				Related Allowance				Average Recorded Investment				Interest Income Recognized
Impaired loans without a valuation allowance:
Non PCI Loans:
Commercial real estate		$	424			$	454			$	—			$	204			$	44
Consumer real estate		415				420				—				401				16
Construction and land development		547				547				—				628				—
Commercial and industrial		41				41				—				44				3
Consumer and other		—				—				—				—				—
		1,427				1,462				—				1,277				63
PCI loans: None in 2017
Impaired loans with a valuation allowance:
Non PCI Loans:
Commercial real estate		23				23				5				5				1
Consumer real estate		1,007				1,033				256				601				38
Construction and land development		—				—				—				—				—
Commercial and industrial		172				172				172				117				10
Consumer and other		12				13				12				2				1
		1,214				1,241				445				725				50
PCI loans:
Commercial real estate		16				123				16				3				16
Total impaired loans		$	2,657			$	2,826			$	461			$	2,005			$	129

Troubled Debt Restructurings on Loans

The following table presents a summary of loans that were modified as troubled debt restructurings during the year ended December 31, 2018 (amounts in thousands): 

December 31, 2018		Number of Contracts		Pre-Modification Outstanding Recorded Investment				Post-Modification Outstanding Recorded Investment
Commercial real estate		1		$	62			$	62
Commercial and industrial		1		18				18

Certain Loans Acquired In Transfer Not Accounted For As Debt Securities, Acquired During Period Carrying Amount Of Loans

The Company has acquired loans which there was, at acquisition, evidence of deterioration of credit quality since origination and it was probable, at acquisition, that all contractually required payments would not be collected. The carrying amount of those loans at for the years ended December 31, 2018 and 2017 is as follows (in thousands): 

	2018			2017
Commercial real estate	$	24,849		$	23,366
Consumer real estate	11,108			10,764
Construction and land development	5,731			6,285
Commercial and industrial	5,824			1,452
Consumer and other	892			1,710
Total loans	$	48,404		$	43,577
Less remaining purchase discount	(14,246		)	(10,783		)
Total, gross	34,158			32,794
Less: Allowance for loan losses	—			(16		)
Carrying amount, net of allowance	$	34,158		$	32,778

Schedule of Certain Loans Acquired in Transfer Accounted for as Debt Securities, Accretable Yield Movement

The following is a summary of the accretable discount on acquired loans for the years ended December 31, 2018 and 2017 (in thousands): 

		2018				2017
Accretable yield, beginning of period		$	9,287			$	8,950
Additions		2,416				2,581
Accretion income		(5,368		)		(4,217		)
Reclassification from nonaccretable		1,494				926
Other changes, net		(777		)		1,047
Accretable yield, end of period		$	7,052			$	9,287

Schedule of Certain Loans Acquired Accounted For As Debt Securities Acquired During Period

Purchased credit impaired loans acquired from TN Bancshares during the year ended December 31, 2018 for which it was probable at acquisition that all contractually required payments would not be collected are as follows (in thousands):

		2018
Contractual principal and interest at acquisition		$	15,133
Nonaccretable difference		5,302
Expected cash flows at acquisition		9,831
Accretable yield		1,292
Basis in PCI loans at acquisition-estimated fair value		$	8,539

Schedule of Loan to Directors, Officers and Affiliated Parties

A summary of activity in loans to related parties is as follows (in thousands):

		2018				2017
Balance, beginning of year		$	18,330			$	12,999
Disbursements		34,639				14,533
Repayments		(21,723		)		(9,202		)
Balance, end of year		$	31,246			$	18,330

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