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Allowance for Loan Losses (Tables)

6 Months Ended

Jun. 30, 2015

Text Block [Abstract]

Changes in the Allowance for Loan Losses and Loan Balances Outstanding

The following tables present, by portfolio segment, the changes in the allowance for loan losses for the three and six months ended June 30, 2015 and 2014.

		Commercial & Agriculture				Commercial Real Estate - Owner Occupied				Commercial Real Estate - Non-Owner Occupied				Residential Real Estate				Real Estate Construction				Consumer and Other				Unallocated				Total
For the six months ended June 30, 2015
Allowance for loan losses:
Beginning balance		$	1,822			$	2,580			$	4,798			$	3,747			$	428			$	196			$	697			$	14,268
Charge-offs			—				(198	)			(64	)			(541	)			—				(87	)			—				(890	)
Recoveries			31				210				90				165				3				30				—				529
Provision			(458	)			2,835				(1,441	)			99				3				51				(289	)			800
Ending Balance		$	1,395			$	5,427			$	3,383			$	3,470			$	434			$	190			$	408			$	14,707

		Commercial & Agriculture				Commercial Real Estate - Owner Occupied				Commercial Real Estate - Non-Owner Occupied				Residential Real Estate				Real Estate Construction				Consumer and Other				Unallocated				Total
For the six months ended June 30, 2014
Allowance for loan losses:
Beginning balance		$	2,841			$	3,263			$	4,296			$	5,224			$	184			$	214			$	506			$	16,528
Charge-offs			(313	)			(1,469	)			(105	)			(1,054	)			—				(43	)			—				(2,984	)
Recoveries			95				75				24				121				3				33				—				351
Provision			(556	)			1,266				638				148				100				(8	)			(88	)			1,500
Ending Balance		$	2,067			$	3,135			$	4,853			$	4,439			$	287			$	196			$	418			$	15,395

		Commercial & Agriculture				Commercial Real Estate - Owner Occupied				Commercial Real Estate - Non-Owner Occupied				Residential Real Estate				Real Estate Construction				Consumer and Other				Unallocated				Total
For the three months ended June 30, 2015
Allowance for loan losses:
Beginning balance		$	1,794			$	2,608			$	4,926			$	3,666			$	498			$	186			$	637			$	14,315
Charge-offs			—				—				(55	)			(213	)			—				(37	)			—				(305	)
Recoveries			12				208				25				34				2				16				—				297
Provision			(411	)			2,611				(1,513	)			(17	)			(66	)			25				(229	)			400
Ending Balance		$	1,395			$	5,427			$	3,383			$	3,470			$	434			$	190			$	408			$	14,707

		Commercial & Agriculture				Commercial Real Estate - Owner Occupied				Commercial Real Estate - Non-Owner Occupied				Residential Real Estate				Real Estate Construction				Consumer and Other				Unallocated				Total
For the three months ended June 30, 2014
Allowance for loan losses:
Beginning balance		$	2,607			$	3,829			$	4,168			$	5,050			$	295			$	239			$	579			$	16,767
Charge-offs			(84	)			(1,422	)			(78	)			(737	)			—				(11	)			—				(2,332	)
Recoveries			37				70				12				72				2				17				—				210
Provision			(493	)			658				751				54				(10	)			(49	)			(161	)			750
Ending Balance		$	2,067			$	3,135			$	4,853			$	4,439			$	287			$	196			$	418			$	15,395

The following tables present, by portfolio segment, the allocation of the allowance for loan losses and related loan balances as of June 30, 2015 and 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				Unallocated				Total
June 30, 2015
Allowance for loan losses:
Loans acquired with credit deterioration		$	91			$	—			$	—			$	123			$	—			$	—			$	—			$	214
Ending balance:
Individually evaluated for impairment		$	137			$	4			$	—			$	255			$	1			$	—			$	—			$	397
Ending balance:
Collectively evaluated for impairment		$	1,167			$	5,423			$	3,383			$	3,092			$	433			$	190			$	408			$	14,096
Ending balance		$	1,395			$	5,427			$	3,383			$	3,470			$	434			$	190			$	408			$	14,707
Loan balances outstanding:
Loans acquired with credit deterioration		$	203			$	33			$	—			$	211			$	—			$	—							$	447
Ending balance:
Individually evaluated for impairment		$	1,223			$	4,290			$	1,913			$	2,403			$	40			$	4							$	9,873
Ending balance:
Collectively evaluated for impairment		$	127,546			$	165,277			$	329,917			$	279,998			$	68,694			$	21,165							$	992,597
Ending balance		$	128,972			$	169,600			$	331,830			$	282,612			$	68,734			$	21,169							$	1,002,917

		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

Credit Exposures by Internally Assigned Grades

		Commercial & Agriculture				Commercial Real Estate - Owner Occupied				Commercial Real Estate - Non-Owner Occupied				Residential Real Estate				Real Estate Construction				Consumer and Other				Total
June 30, 2015
Pass		$	122,194			$	152,878			$	314,420			$	110,665			$	62,170			$	11,699			$	774,026
Special Mention			1,154				5,232				13,381				1,970				19				—				21,756
Substandard			5,624				11,490				4,029				8,130				31				82				29,386
Doubtful			—				—				—				—				—				—				—
Ending Balance		$	128,972			$	169,600			$	331,830			$	120,765			$	62,220			$	11,781			$	825,168
		Commercial & Agriculture				Commercial Real Estate - Owner Occupied				Commercial Real Estate - Non-Owner Occupied				Residential Real Estate				Real Estate Construction				Consumer and Other				Total
December 31, 2014
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

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
June 30, 2015
Performing		$	161,847			$	6,514			$	9,388			$	177,749
Nonperforming			—				—				—				—
Total		$	161,847			$	6,514			$	9,388			$	177,749
		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

Aging Analysis of Past Due Loans

The following tables include an aging analysis of the recorded investment of past due loans outstanding as of June 30, 2015 and December 31, 2014.

June 30, 2015		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
Commericial & Agriculture		$	379			$	77			$	591			$	1,047			$	127,925			$	128,972			$	—
Commercial Real Estate - Owner Occupied			489				—				873				1,362				168,238				169,600				—
Commercial Real Estate - Non-Owner Occupied			2,425				62				143				2,630				329,200				331,830				—
Residential Real Estate			688				917				1,716				3,321				279,291				282,612				—
Real Estate Construction			—				—				—				—				68,734				68,734				—
Consumer and Other			71				56				1				128				21,041				21,169				—
Total		$	4,052			$	1,112			$	3,324			$	8,488			$	994,429			$	1,002,917			$	—
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
Commericial & 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			$	—

Summary of Nonaccrual Loans

The following table presents loans on nonaccrual status as of June 30, 2015 and December 31, 2014.

		2015				2014
Commericial & Agriculture		$	1,496			$	1,264
Commercial Real Estate - Owner Occupied			4,054				3,403
Commercial Real Estate - Non-Owner Occupied			1,658				2,134
Residential Real Estate			5,608				6,674
Real Estate Construction			31				41
Consumer and Other			73				42
Total		$	12,920			$	13,558

Schedule of Troubled Debt Restructurings

Loan modifications that are considered TDRs completed during the six-month periods ended June 30, 2015 and June 30, 2014 were as follows:

		For the Six-Month Period Ended June 30, 2015												For the Six-Month Period Ended June 30, 2014
		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
Commericial & Agriculture			1			$	6			$	6				—			$	—			$	—
Commercial Real Estate - Owner Occupied			—				—				—				—				—				—
Commercial Real Estate - Non-Owner Occupied			—				—				—				—				—				—
Residential Real Estate			3				374				374				2				149				149
Real Estate Construction			1				41				41				—				—				—
Consumer and Other			—				—				—				—				—				—
Total Loan Modifications			5			$	421			$	421				2			$	149			$	149

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 June 30, 2015 and December 31, 2014.

		June 30, 2015												December 31, 2014
		Recorded Investment				Unpaid Principal Balance				Related Allowance				Recorded Investment				Unpaid Principal Balance				Related Allowance
With no related allowance recorded:
Commericial & Agriculture		$	881			$	1,037							$	1,377			$	1,504
Commercial Real Estate - Owner Occupied			3,911				4,384								2,961				3,327
Commercial Real Estate - Non-Owner Occupied			1,913				2,178								92				140
Residential Real Estate			1,049				1,594								1,893				3,487
Consumer and Other			4				4								5				5
Total			7,758				9,197								6,328				8,463
With an allowance recorded:
Commericial & Agriculture			342				346			$	137				927				1,056			$	641
Commercial Real Estate - Owner Occupied			379				379				4				596				643				57
Commercial Real Estate - Non-Owner Occupied			—				—				—				2,083				2,287				20
Residential Real Estate			1,354				1,359				255				1,215				1,223				305
Real Estate Construction			40				40				1				—				—				—
Total			2,115				2,124				397				4,821				5,209				1,023
Total:
Commericial & Agriculture			1,223				1,383				137				2,304				2,560				641
Commercial Real Estate - Owner Occupied			4,290				4,763				4				3,557				3,970				57
Commercial Real Estate - Non-Owner Occupied			1,913				2,178				—				2,175				2,427				20
Residential Real Estate			2,403				2,953				255				3,108				4,710				305
Real Estate Construction			40				40				1				—				—				—
Consumer and Other			4				4				—				5				5				—
Total		$	9,873			$	11,321			$	397			$	11,149			$	13,672			$	1,023

The following tables include the average recorded investment and interest income recognized for impaired financing receivables for the three and six-month periods ended June 30, 2015 and 2014.

For the six months ended:		June 30, 2015								June 30, 2014
		Average Recorded Investment				Interest Income Recognized				Average Recorded Investment				Interest Income Recognized
Commericial & Agriculture		$	1,943			$	37			$	3,986			$	79
Commercial Real Estate - Owner Occupied			3,866				125				7,058				187
Commercial Real Estate - Non-Owner Occupied			2,053				19				2,976				35
Residential Real Estate			2,752				66				3,628				146
Real Estate Construction			27				—				—				—
Consumer and Other			5				—				7				—
Total		$	10,646			$	247			$	17,655			$	447

For the three months ended:		June 30, 2015								June 30, 2014
		Average Recorded Investment				Interest Income Recognized				Average Recorded Investment				Interest Income Recognized
Commericial & Agriculture		$	1,762			$	3			$	4,045			$	14
Commercial Real Estate - Owner Occupied			4,125				62				6,996				61
Commercial Real Estate - Non-Owner Occupied			1,992				10				2,911				14
Residential Real Estate			2,471				26				3,495				54
Real Estate Construction			40				—				—				—
Consumer and Other			5				—				7				—
Total		$	10,395			$	101			$	17,454			$	143

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