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Loans (Tables)

3 Months Ended

Mar. 31, 2017

Loans

Schedule of loans

		March 31,			December 31,
		2017			2016
		(Dollars in thousands)
Loans held-for-investment:
Commercial		$	609,353		$	604,331
Real estate:
CRE			679,989			662,228
Land and construction			81,101			81,002
Home equity			80,360			82,459
Residential mortgages			49,569			52,887
Consumer			13,807			20,460
Loans			1,514,179			1,503,367
Deferred loan fees, net			(892)			(760)
Loans, net of deferred fees			1,513,287			1,502,607
Allowance for loan losses			(19,135)			(19,089)
Loans, net		$	1,494,152		$	1,483,518

Schedule of changes in allowance for loan losses

		Three Months Ended March 31, 2017
		Commercial			Real Estate			Consumer			Total
		(Dollars in thousands)
Beginning of period balance		$	10,656		$	8,327		$	106		$	19,089
Charge-offs			(366)			—			—			(366)
Recoveries			50			41			—			91
Net (charge-offs) recoveries			(316)			41			—			(275)
Provision (credit) for loan losses			912			(625)			34			321
End of period balance		$	11,252		$	7,743		$	140		$	19,135

		Three Months Ended March 31, 2016
		Commercial			Real Estate			Consumer			Total
		(Dollars in thousands)
Beginning of period balance		$	10,748		$	8,076		$	102		$	18,926
Charge-offs			(117)			—			—			(117)
Recoveries			32			216			—			248
Net (charge-offs) recoveries			(85)			216			—			131
Provision (credit) for loan losses			616			(224)			9			401
End of period balance		$	11,279		$	8,068		$	111		$	19,458

Schedule of balance in allowance for loan losses and recorded investment in loans by portfolio segment, based on impairment method

		March 31, 2017
		Commercial			Real Estate			Consumer			Total
		(Dollars in thousands)
Allowance for loan losses:
Ending allowance balance attributable to loans:
Individually evaluated for impairment		$	1,441		$	—		$	—		$	1,441
Collectively evaluated for impairment			9,811			7,743			140			17,694
Acquired with deterioriated credit quality			—			—			—			—
Total allowance balance		$	11,252		$	7,743		$	140		$	19,135
Loans:
Individually evaluated for impairment		$	3,929		$	1,357		$	2		$	5,288
Collectively evaluated for impairment			605,179			889,662			13,805			1,508,646
Acquired with deterioriated credit quality			245			—			—			245
Total loan balance		$	609,353		$	891,019		$	13,807		$	1,514,179

		December 31, 2016
		Commercial			Real Estate			Consumer			Total
		(Dollars in thousands)
Allowance for loan losses:
Ending allowance balance attributable to loans:
Individually evaluated for impairment		$	329		$	—		$	—		$	329
Collectively evaluated for impairment			10,327			8,327			106			18,760
Acquired with deterioriated credit quality			—			—			—			—
Total allowance balance		$	10,656		$	8,327		$	106		$	19,089
Loans:
Individually evaluated for impairment		$	2,057		$	885		$	3		$	2,945
Collectively evaluated for impairment			602,029			877,691			20,457			1,500,177
Acquired with deterioriated credit quality			245			—			—			245
Total loan balance		$	604,331		$	878,576		$	20,460		$	1,503,367

Schedule of loans held-for-investment individually evaluated for impairment by class of loans

		March 31, 2017									December 31, 2016
								Allowance									Allowance
		Unpaid						for Loan			Unpaid						for Loan
		Principal			Recorded			Losses			Principal			Recorded			Losses
		Balance			Investment			Allocated			Balance			Investment			Allocated
		(Dollars in thousands)
With no related allowance recorded:
Commercial		$	2,609		$	2,609		$	—		$	1,808		$	1,808		$	—
Real estate:
Commercial			1,770			912			—			1,278			419			—
Land and construction			214			195			—			218			199			—
Home Equity			250			250			—			267			267			—
Consumer			2			2			—			3			3			—
Total with no related allowance recorded			4,845			3,968			—			3,574			2,696			—
With an allowance recorded:
Commercial			1,565			1,565			1,441			494			494			329
Total with an allowance recorded			1,565			1,565			1,441			494			494			329
Total		$	6,410		$	5,533		$	1,441		$	4,068		$	3,190		$	329

Schedule of average impaired loans with interest recognized and cash-basis interest earned on impaired loans

		Three Months Ended March 31, 2017
					Real Estate
								Land and			Home
		Commercial			CRE			Construction			Equity			Consumer			Total
		(Dollars in thousands)
Average of impaired loans during the period		$	3,239		$	665		$	197		$	259		$	2		$	4,362
Interest income during impairment		$	—		$	—		$	—		$	—		$	—		$	—
Cash-basis interest earned		$	—		$	—		$	—		$	—		$	—		$	—

		Three Months Ended March 31, 2016
					Real Estate
								Land and			Home
		Commercial			CRE			Construction			Equity			Consumer			Total
		(Dollars in thousands)
Average of impaired loans during the period		$	1,343		$	2,951		$	216		$	914		$	4		$	5,428
Interest income during impairment		$	—		$	—		$	—		$	—		$	—		$	—
Cash-basis interest earned		$	—		$	—		$	—		$	—		$	—		$	—

Schedule of nonperforming loans

		March 31,						December 31,
		2017			2016			2016
		(Dollars in thousands)
Nonaccrual loans - held-for-investment		$	5,200		$	4,184		$	3,059
Restructured and loans over 90 days past due and still accruing			207			—			—
Total nonperforming loans			5,407			4,184			3,059
Other restructured loans			126			145			131
Total impaired loans		$	5,533		$	4,329		$	3,190

Schedule of nonperforming loans by class

		March 31, 2017									December 31, 2016
					Restructured and									Restructured and
					Loans over 90 Days									Loans over 90 Days
					Past Due and									Past Due and
		Nonaccrual			Still Accruing			Total			Nonaccrual			Still Accruing			Total
		(Dollars in thousands)
Commercial		$	3,841		$	207		$	4,048		$	2,171		$	—		$	2,171
Real estate:
CRE			912			—			912			419			—			419
Land and construction			195			—			195			199			—			199
Home equity			250			—			250			267			—			267
Consumer			2			—			2			3			—			3
Total		$	5,200		$	207		$	5,407		$	3,059		$	—		$	3,059

Schedule of aging of past due loans by class of loans

		March 31, 2017
		30 - 59			60 - 89			90 Days or
		Days			Days			Greater			Total			Loans Not
		Past Due			Past Due			Past Due			Past Due			Past Due			Total
		(Dollars in thousands)
Commercial		$	2,932		$	506		$	1,953		$	5,391		$	603,962		$	609,353
Real estate:
CRE			509			—			—			509			679,480			679,989
Land and construction			—			—			195			195			80,906			81,101
Home equity			—			—			—			—			80,360			80,360
Residential mortgages			—			—			—			—			49,569			49,569
Consumer			—			—			—			—			13,807			13,807
Total		$	3,441		$	506		$	2,148		$	6,095		$	1,508,084		$	1,514,179

		December 31, 2016
		30 - 59			60 - 89			90 Days or
		Days			Days			Greater			Total			Loans Not
		Past Due			Past Due			Past Due			Past Due			Past Due			Total
		(Dollars in thousands)
Commercial		$	3,998		$	857		$	2,036		$	6,891		$	597,440		$	604,331
Real estate:
CRE			632			—			—			632			661,596			662,228
Land and construction			—			—			199			199			80,803			81,002
Home equity			—			267			—			267			82,192			82,459
Residential mortgages			—			—			—			—			52,887			52,887
Consumer			—			—			—			—			20,460			20,460
Total		$	4,630		$	1,124		$	2,235		$	7,989		$	1,495,378		$	1,503,367

Summary of loan portfolio by loan type and credit quality classification

		March 31, 2017									December 31, 2016
		Nonclassified			Classified			Total			Nonclassified			Classified			Total
Commercial		$	601,657		$	7,696		$	609,353		$	594,255		$	10,076		$	604,331
Real estate:
CRE			678,268			1,721			679,989			659,777			2,451			662,228
Land and construction			80,906			195			81,101			80,803			199			81,002
Home equity			79,788			572			80,360			81,866			593			82,459
Residential mortgages			49,569			—			49,569			52,887			—			52,887
Consumer			13,805			2			13,807			20,455			5			20,460
Total		$	1,503,993		$	10,186		$	1,514,179		$	1,490,043		$	13,324		$	1,503,367

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