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Allowance for Loan Losses (Tables)

12 Months Ended

Dec. 31, 2014

Text Block [Abstract]

Allowance Related to Unallocated Segment

The following tables present by portfolio segment, the changes in the allowance for loan losses, the ending allocation of the allowance for loan losses and the loan balances outstanding for the period ended December 31, 2014 and December 31, 2013. The changes can be impacted by overall loan volume, adversely graded loans, historical charge-offs and economic factors.

		Commercial & Agriculture				Commercial Real Estate— Owner Occupied				Commercial Real Estate— Non-Owner Occupied				Residential Real Estate				Real Estate Construction				Consumer and Other				Unallocated				Total
December 31, 2014
Allowance for loan losses:
Beginning balance		$	2,841			$	3,263			$	4,296			$	5,224			$	184			$	214			$	506			$	16,528
Charge-offs			(338	)			(1,661	)			(198	)			(2,449	)			—				(135	)			—				(4,781	)
Recoveries			249				363				50				292				6				61				—				1,021
Provision			(930	)			615				650				680				238				56				191				1,500
Ending Balance		$	1,822			$	2,580			$	4,798			$	3,747			$	428			$	196			$	697			$	14,268

		Commercial & Agriculture				Commercial Real Estate— Owner Occupied				Commercial Real Estate— Non-Owner Occupied				Residential Real Estate				Real Estate Construction				Consumer and Other				Unallocated				Total
December 31, 2013
Allowance for loan losses:
Beginning balance		$	2,811			$	4,836			$	5,303			$	5,780			$	349			$	246			$	417			$	19,742
Charge-offs			(483	)			(989	)			(815	)			(2,907	)			(136	)			(220	)			—				(5,550	)
Recoveries			141				265				184				458				108				80				—				1,236
Provision			372				(849	)			(376	)			1,893				(137	)			108				89				1,100
Ending Balance		$	2,841			$	3,263			$	4,296			$	5,224			$	184			$	214			$	506			$	16,528

 

		Commercial & Agriculture				Commercial Real Estate— Owner Occupied				Commercial Real Estate— Non-Owner Occupied				Residential Real Estate				Real Estate Construction				Consumer and Other				Unallocated				Total
December 31, 2014
Allowance for loan losses:
Ending balance:
Individually evaluated for impairment		$	641			$	57			$	20			$	305			$	—			$	—			$	—			$	1,023
Ending balance:
Collectively evaluated for impairment		$	1,181			$	2,523			$	4,778			$	3,442			$	428			$	196			$	697			$	13,245
Ending balance		$	1,822			$	2,580			$	4,798			$	3,747			$	428			$	196			$	697			$	14,268
Loan balances outstanding:
Ending balance:
Individually evaluated for impairment		$	2,304			$	3,557			$	2,175			$	3,108			$	—			$	5							$	11,149
Ending balance:
Collectively evaluated for impairment		$	111,882			$	139,457			$	306,491			$	265,402			$	65,452			$	15,024							$	903,708
Ending balance		$	114,186			$	143,014			$	308,666			$	268,510			$	65,452			$	15,029							$	914,857

		Commercial & Agriculture				Commercial Real Estate— Owner Occupied				Commercial Real Estate— Non-Owner Occupied				Residential Real Estate				Real Estate Construction				Consumer and Other				Unallocated				Total
December 31, 2013
Allowance for loan losses:
Ending balance:
Individually evaluated for impairment		$	1,262			$	390			$	55			$	802			$	—			$	—			$	—			$	2,509
Ending balance:
Collectively evaluated for impairment		$	1,579			$	2,873			$	4,241			$	4,422			$	184			$	214			$	506			$	14,019
Ending balance		$	2,841			$	3,263			$	4,296			$	5,224			$	184			$	214			$	506			$	16,528
Loan balances outstanding:
Ending balance:
Individually evaluated for impairment		$	3,869			$	6,792			$	3,383			$	4,005			$	—			$	8							$	18,057
Ending balance:
Collectively evaluated for impairment		$	112,006			$	154,222			$	279,449			$	246,686			$	39,964			$	10,857							$	843,184
Ending balance		$	115,875			$	161,014			$	282,832			$	250,691			$	39,964			$	10,865							$	861,241

Credit Exposures by Internally Assigned Grades

December 31, 2014		Commercial & Agriculture				Commercial Real Estate— Owner Occupied				Commercial Real Estate— Non-Owner Occupied				Residential Real Estate				Real Estate Construction				Consumer and Other				Total
Pass		$	107,903			$	128,222			$	298,237			$	100,810			$	59,584			$	5,651			$	700,407
Special Mention			3,446				5,492				6,305				697				19				—				15,959
Substandard			2,837				9,300				4,124				8,834				41				46				25,182
Doubtful			—				—				—				—				—				—				—
Ending Balance		$	114,186			$	143,014			$	308,666			$	110,341			$	59,644			$	5,697			$	741,548

December 31, 2013		Commercial & Agriculture				Commercial Real Estate— Owner Occupied				Commercial Real Estate— Non-Owner Occupied				Residential Real Estate				Real Estate Construction				Consumer and Other				Total
Pass		$	107,923			$	143,531			$	272,407			$	98,700			$	35,495			$	2,252			$	660,308
Special Mention			2,038				4,334				4,811				986				21				—				12,190
Substandard			5,914				13,149				5,614				8,175				—				70				32,922
Doubtful			—				—				—				2,349				—				—				2,349
Ending Balance		$	115,875			$	161,014			$	282,832			$	110,210			$	35,516			$	2,322			$	707,769

Performing and Nonperforming Loans

Certain TDRs are classified as nonperforming at the time of restructure and may only be returned to performing status after considering the borrower’s sustained repayment performance for a reasonable period, generally six months.

		Residential Real Estate				Real Estate Construction				Consumer and Other				Total
December 31, 2014
Performing		$	158,169			$	5,808			$	9,332			$	173,309
Nonperforming			—				—				—				—
Total		$	158,169			$	5,808			$	9,332			$	173,309

		Residential Real Estate				Real Estate Construction				Consumer and Other				Total
December 31, 2013
Performing		$	140,481			$	4,448			$	8,543			$	153,472
Nonperforming			—				—				—				—
Total		$	140,481			$	4,448			$	8,543			$	153,472

Aging Analysis of Past Due Loans

Following tables include an aging analysis of the recorded investment of past due loans outstanding as of December 31, 2014 and 2013.

December 31, 2014		30-59 Days Past Due				60-89 Days Past Due				90 Days or Greater				Total Past Due				Current				Total Loans				Past Due 90 Days and Accruing
Commercial & Agriculture		$	58			$	—			$	187			$	245			$	113,941			$	114,186			$	—
Commercial Real Estate—Owner Occupied			622				251				657				1,530				141,484				143,014				—
Commercial Real Estate—Non-Owner Occupied			521				5				2,103				2,629				306,037				308,666				—
Residential Real Estate			1,923				721				2,347				4,991				263,519				268,510				—
Real Estate Construction			33				—				8				41				65,411				65,452				—
Consumer and Other			131				8				19				158				14,871				15,029				—
Total		$	3,288			$	985			$	5,321			$	9,594			$	905,263			$	914,857			$	—

December 31, 2013		30-59 Days Past Due				60-89 Days Past Due				90 Days or Greater				Total Past Due				Current				Total Loans				Past Due 90 Days and Accruing
Commercial & Agriculture		$	105			$	—			$	443			$	548			$	115,327			$	115,875			$	—
Commercial Real Estate—Owner Occupied			253				188				1,643				2,084				158,930				161,014				—
Commercial Real Estate—Non-Owner Occupied			208				13				455				676				282,156				282,832				—
Residential Real Estate			3,140				1,084				5,531				9,755				240,936				250,691				—
Real Estate Construction			—				—				—				—				39,964				39,964				—
Consumer and Other			170				20				—				190				10,675				10,865				—
Total		$	3,876			$	1,305			$	8,072			$	13,253			$	847,988			$	861,241			$	—

Summary of Nonaccrual Loans

The following table presents loans on nonaccrual status as of December 31, 2014 and 2013.

		2014				2013
Commercial & Agriculture		$	1,264			$	1,590
Commercial Real Estate—Owner Occupied			3,403				6,360
Commercial Real Estate—Non-Owner Occupied			2,134				3,249
Residential Real Estate			6,674				9,210
Real Estate Construction			41				—
Consumer and Other			42				50
Total		$	13,558			$	20,459

Schedule of Troubled Debt Restructurings

Loan modifications that are considered TDRs completed during the twelve month periods ended December 31, 2014 and December 31, 2013 were as follows:

		For the Twelve Month Period Ended December 31, 2014												For the Twelve Month Period Ended December 31, 2013
		Number of Contracts				Pre-Modification Outstanding Recorded Investment				Post- Modification Outstanding Recorded Investment				Number of Contracts				Pre-Modification Outstanding Recorded Investment				Post- Modification Outstanding Recorded Investment
Commercial & Agriculture			—			$	—			$	—				—			$	—			$	—
Commercial Real Estate—Owner Occupied			—				—				—				2				547				547
Commercial Real Estate—Non-Owner Occupied			—				—				—				—				—				—
Residential Real Estate			9				619				554				—				—				—
Real Estate Construction			1				35				35				—				—				—
Consumer and Other			—				—				—				—				—				—
Total Loan Modifications			10			$	654			$	589				2			$	547			$	547

Impaired Financing Receivables

The following tables include the recorded investment and unpaid principal balances for impaired financing receivables with the associated allowance amount, if applicable as of December 31, 2014 and 2013.

		December 31, 2014												December 31, 2013
		Recorded Investment				Unpaid Principal Balance				Related Allowance				Recorded Investment				Unpaid Principal Balance				Related Allowance
With no related allowance recorded:
Commercial & Agriculture		$	1,377			$	1,504							$	1,525			$	1,657
Commercial Real Estate—Owner Occupied			2,961				3,327								2,891				3,027
Commercial Real Estate—Non-Owner Occupied			92				140								3,092				3,187
Residential Real Estate			1,893				3,487								1,202				2,263
Consumer and Other			5				5								8				8
Total			6,328				8,463								8,718				10,142
With an allowance recorded:
Commercial & Agriculture			927				1,056			$	641				2,344				2,437			$	1,262
Commercial Real Estate—Owner Occupied			596				643				57				3,901				4,201				390
Commercial Real Estate—Non-Owner Occupied			2,083				2,287				20				291				295				55
Residential Real Estate			1,215				1,223				305				2,803				4,021				802
Total			4,821				5,209				1,023				9,339				10,954				2,509
Total:
Commercial & Agriculture			2,304				2,560				641				3,869				4,094				1,262
Commercial Real Estate—Owner Occupied			3,557				3,970				57				6,792				7,228				390
Commercial Real Estate—Non-Owner Occupied			2,175				2,427				20				3,383				3,482				55
Residential Real Estate			3,108				4,710				305				4,005				6,284				802
Consumer and Other			5				5				—				8				8				—
Total		$	11,149			$	13,672			$	1,023			$	18,057			$	21,096			$	2,509

For the year ended:		December 31, 2014								December 31, 2013
		Average Recorded Investment				Interest Income Recognized				Average Recorded Investment				Interest Income Recognized
Commercial & Agriculture		$	3,316			$	104			$	4,761			$	186
Commercial Real Estate—Owner Occupied			5,720				219				6,064				436
Commercial Real Estate—Non-Owner Occupied			2,767				40				5,855				85
Residential Real Estate			3,510				207				5,038				282
Real Estate Construction			—				—				302				—
Consumer and Other			6				—				31				—
Total		$	15,319			$	570			$	22,051			$	989

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