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Loans And Related Allowances For Loan Losses (Tables) | 12 Months Ended
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Dec. 31, 2014
Loans and Related Allowances for Loan Losses [Abstract] |
Loan Portfolio Segments | The following table summarizes the primary segments of the loan portfolio as of December 31, 2014 and December 31, 2013:
(in thousands) | Commercial Real Estate | Acquisition and Development | Commercial and Industrial | Residential Mortgage | Consumer | Total
December 31, 2014 |  |  |  |  |  |  |  |  |  |  |  |
Individually evaluated for impairment | $ | 11,949 | $ | 6,553 | $ | 1,861 | $ | 4,418 | $ | 0 | $ | 24,781
Collectively evaluated for impairment | $ | 244,115 | $ | 92,748 | $ | 91,394 | $ | 363,223 | $ | 23,730 | $ | 815,210
Total loans | $ | 256,064 | $ | 99,301 | $ | 93,255 | $ | 367,641 | $ | 23,730 | $ | 839,991
December 31, 2013 |  |  |  |  |  |  |  |  |  |  |  |
Individually evaluated for impairment | $ | 11,740 | $ | 11,703 | $ | 2,299 | $ | 7,546 | $ | 21 | $ | 33,309
Collectively evaluated for impairment | $ | 256,238 | $ | 95,547 | $ | 57,489 | $ | 343,360 | $ | 24,297 | $ | 776,931
Total loans | $ | 267,978 | $ | 107,250 | $ | 59,788 | $ | 350,906 | $ | 24,318 | $ | 810,240
Schedule of Related Party Transactions | Changes in the dollar amount of loans outstanding to officers, directors and their associates were as follows for the year ended December 31:
(in thousands) |  | 2014
Balance at January 1 | $ | 9,871
Loans or advances |  | 1,226
Repayments |  | (1,890)
Balance at December 31 | $ | 9,207
Classes of the Loan Portfolio Summarized by the Aggregate Risk Rating |
(in thousands) | Pass | Special Mention | Substandard | Total
December 31, 2014 |  |  |  |  |  |  |  |
Commercial real estate |  |  |  |  |  |  |  |
Non owner-occupied | $ | 115,276 | $ | 10,884 | $ | 11,273 | $ | 137,433
All other CRE |  | 90,740 |  | 8,618 |  | 19,273 |  | 118,631
Acquisition and development |  |  |  |  |  |  |  |
1-4 family residential construction |  | 12,920 |  | 0 |  | 790 |  | 13,710
All other A&D |  | 72,323 |  | 1,356 |  | 11,912 |  | 85,591
Commercial and industrial |  | 88,579 |  | 884 |  | 3,792 |  | 93,255
Residential mortgage |  |  |  |  |  |  |  |
Residential mortgage - term |  | 280,113 |  | 379 |  | 10,934 |  | 291,426
Residential mortgage – home equity |  | 74,698 |  | 90 |  | 1,427 |  | 76,215
Consumer |  | 23,658 |  | 0 |  | 72 |  | 23,730
Total | $ | 758,307 | $ | 22,211 | $ | 59,473 | $ | 839,991
December 31, 2013 |  |  |  |  |  |  |  |
Commercial real estate |  |  |  |  |  |  |  |
Non owner-occupied | $ | 103,556 | $ | 9,243 | $ | 24,745 | $ | 137,544
All other CRE |  | 100,461 |  | 8,479 |  | 21,494 |  | 130,434
Acquisition and development |  |  |  |  |  |  |  |
1-4 family residential construction |  | 8,764 |  | 0 |  | 4,497 |  | 13,261
All other A&D |  | 73,198 |  | 1,787 |  | 19,004 |  | 93,989
Commercial and industrial |  | 55,768 |  | 140 |  | 3,880 |  | 59,788
Residential mortgage |  |  |  |  |  |  |  |
Residential mortgage - term |  | 261,735 |  | 752 |  | 11,980 |  | 274,467
Residential mortgage – home equity |  | 73,901 |  | 628 |  | 1,910 |  | 76,439
Consumer |  | 24,143 |  | 5 |  | 170 |  | 24,318
Total | $ | 701,526 | $ | 21,034 | $ | 87,680 | $ | 810,240
Loan Portfolio Summarized by the Past Due Status |
(in thousands) | Current | 30-59 Day Past Due | 60-89 Days Past Due | 90 Days+ Past Due | Total Past Due and still accruing | Non-Accrual | Total Loans
December 31, 2014 |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial real estate |  |  |  |  |  |  |  |  |  |  |  |  |  |
Non owner-occupied | $ | 135,994 | $ | 104 | $ | 183 | $ | 0 | $ | 287 | $ | 1,152 | $ | 137,433
All other CRE |  | 112,825 |  | 1,196 |  | 0 |  | 0 |  | 1,196 |  | 4,610 |  | 118,631
Acquisition and development |  |  |  |  |  |  |  |  |  |  |  |  |  |
1-4 family residential construction |  | 13,710 |  | 0 |  | 0 |  | 0 |  | 0 |  | 0 |  | 13,710
All other A&D |  | 81,702 |  | 239 |  | 40 |  | 1 |  | 280 |  | 3,609 |  | 85,591
Commercial and industrial |  | 93,060 |  | 0 |  | 20 |  | 4 |  | 24 |  | 171 |  | 93,255
Residential mortgage |  |  |  |  |  |  |  |  |  |  |  |  |  |
Residential mortgage - term |  | 279,340 |  | 8,654 |  | 1,350 |  | 416 |  | 10,420 |  | 1,666 |  | 291,426
Residential mortgage – home equity |  | 74,913 |  | 577 |  | 313 |  | 69 |  | 959 |  | 343 |  | 76,215
Consumer |  | 23,316 |  | 287 |  | 88 |  | 39 |  | 414 |  | 0 |  | 23,730
Total | $ | 814,860 | $ | 11,057 | $ | 1,994 | $ | 529 | $ | 13,580 | $ | 11,551 | $ | 839,991
December 31, 2013 |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial real estate |  |  |  |  |  |  |  |  |  |  |  |  |  |
Non owner-occupied | $ | 136,462 | $ | 191 | $ | 145 | $ | 65 | $ | 401 | $ | 681 | $ | 137,544
All other CRE |  | 121,985 |  | 1,490 |  | 207 |  | 0 |  | 1,697 |  | 6,752 |  | 130,434
Acquisition and development |  |  |  |  |  |  |  |  |  |  |  |  |  |
1-4 family residential construction |  | 12,018 |  | 0 |  | 139 |  | 0 |  | 139 |  | 1,104 |  | 13,261
All other A&D |  | 88,071 |  | 1,075 |  | 33 |  | 282 |  | 1,390 |  | 4,528 |  | 93,989
Commercial and industrial |  | 59,320 |  | 87 |  | 57 |  | 133 |  | 277 |  | 191 |  | 59,788
Residential mortgage |  |  |  |  |  |  |  |  |  |  |  |  |  |
Residential mortgage - term |  | 259,239 |  | 8,258 |  | 2,541 |  | 634 |  | 11,433 |  | 3,795 |  | 274,467
Residential mortgage – home equity |  | 74,917 |  | 656 |  | 439 |  | 96 |  | 1,191 |  | 331 |  | 76,439
Consumer |  | 23,802 |  | 350 |  | 128 |  | 24 |  | 502 |  | 14 |  | 24,318
Total | $ | 775,814 | $ | 12,107 | $ | 3,689 | $ | 1,234 | $ | 17,030 | $ | 17,396 | $ | 810,240
Primary Segments of the Allowance for Loan Loss |
(in thousands) | Commercial Real Estate | Acquisition and Development | Commercial and Industrial | Residential Mortgage | Consumer | Total
December 31, 2014 |  |  |  |  |  |  |  |  |  |  |  |
Individually evaluated for impairment | $ | 36 | $ | 1,141 | $ | 0 | $ | 59 | $ | 0 | $ | 1,236
Collectively evaluated for impairment | $ | 2,388 | $ | 2,771 | $ | 1,680 | $ | 3,803 | $ | 187 | $ | 10,829
Total ALL | $ | 2,424 | $ | 3,912 | $ | 1,680 | $ | 3,862 | $ | 187 | $ | 12,065
December 31, 2013 |  |  |  |  |  |  |  |  |  |  |  |
Individually evaluated for impairment | $ | 236 | $ | 1,967 | $ | 0 | $ | 80 | $ | 0 | $ | 2,283
Collectively evaluated for impairment | $ | 3,816 | $ | 2,205 | $ | 766 | $ | 4,240 | $ | 284 | $ | 11,311
Total ALL | $ | 4,052 | $ | 4,172 | $ | 766 | $ | 4,320 | $ | 284 | $ | 13,594
Impaired Loans and Related Interest Income by Loan Portfolio Class |
|  | Impaired Loans with Specific Allowance |  | Impaired Loans with No Specific Allowance |  | Total Impaired Loans
(in thousands) |  | Recorded Investment |  | Related Allowances |  | Recorded Investment |  | Recorded Investment |  | Unpaid Principal Balance
December 31, 2014 |  |  |  |  |  |  |  |  |  |
Commercial real estate |  |  |  |  |  |  |  |  |  |
Non owner-occupied | $ | 143 | $ | 35 | $ | 4,353 | $ | 4,496 | $ | 4,543
All other CRE |  | 0 |  | 0 |  | 7,453 |  | 7,453 |  | 7,944
Acquisition and development |  |  |  |  |  |  |  |  |  |
1-4 family residential construction |  | 790 |  | 105 |  | 0 |  | 790 |  | 836
All other A&D |  | 3,615 |  | 1,037 |  | 2,148 |  | 5,763 |  | 9,590
Commercial and industrial |  | 0 |  | 0 |  | 1,861 |  | 1,861 |  | 2,723
Residential mortgage |  |  |  |  |  |  |  |  |  |
Residential mortgage - term |  | 296 |  | 59 |  | 3,779 |  | 4,075 |  | 4,485
Residential mortgage – home equity |  | 0 |  | 0 |  | 343 |  | 343 |  | 363
Consumer |  | 0 |  | 0 |  | 0 |  | 0 |  | 0
Total impaired loans | $ | 4,844 | $ | 1,236 | $ | 19,937 | $ | 24,781 | $ | 30,484
December 31, 2013 |  |  |  |  |  |  |  |  |  |
Commercial real estate |  |  |  |  |  |  |  |  |  |
Non owner-occupied | $ | 257 | $ | 59 | $ | 922 | $ | 1,179 | $ | 1,191
All other CRE |  | 1,080 |  | 177 |  | 9,481 |  | 10,561 |  | 10,689
Acquisition and development |  |  |  |  |  |  |  |  |  |
1-4 family residential construction |  | 2,651 |  | 634 |  | 7 |  | 2,658 |  | 2,704
All other A&D |  | 4,037 |  | 1,333 |  | 5,008 |  | 9,045 |  | 13,394
Commercial and industrial |  | 0 |  | 0 |  | 2,299 |  | 2,299 |  | 2,299
Residential mortgage |  |  |  |  |  |  |  |  |  |
Residential mortgage - term |  | 988 |  | 80 |  | 5,979 |  | 6,967 |  | 7,372
Residential mortgage – home equity |  | 0 |  | 0 |  | 579 |  | 579 |  | 579
Consumer |  | 0 |  | 0 |  | 21 |  | 21 |  | 21
Total impaired loans | $ | 9,013 | $ | 2,283 | $ | 24,296 | $ | 33,309 | $ | 38,249
Allowance for Loan Losses Summarized by Loan Portfolio Segments | Activity in the ALL is presented for the years ended December 31, 2014 and December 31, 2013:
(in thousands) | Commercial Real Estate | Acquisition and Development | Commercial and Industrial | Residential Mortgage | Consumer | Total
ALL balance at January 1, 2014 | $ | 4,052 | $ | 4,172 | $ | 766 | $ | 4,320 | $ | 284 | $ | 13,594
Charge-offs |  | (485) |  | (2,673) |  | (266) |  | (847) |  | (512) |  | (4,783)
Recoveries |  | 11 |  | 133 |  | 26 |  | 229 |  | 342 |  | 741
Provision |  | (1,154) |  | 2,280 |  | 1,154 |  | 160 |  | 73 |  | 2,513
ALL balance at December 31, 2014 | $ | 2,424 | $ | 3,912 | $ | 1,680 | $ | 3,862 | $ | 187 | $ | 12,065
ALL balance at January 1, 2013 | $ | 5,206 | $ | 5,029 | $ | 906 | $ | 4,507 | $ | 399 | $ | 16,047
Charge-offs |  | (233) |  | (2,200) |  | (1,066) |  | (485) |  | (590) |  | (4,574)
Recoveries |  | 1,004 |  | 100 |  | 79 |  | 199 |  | 359 |  | 1,741
Provision |  | (1,925) |  | 1,243 |  | 847 |  | 99 |  | 116 |  | 380
ALL balance at December 31,2013 | $ | 4,052 | $ | 4,172 | $ | 766 | $ | 4,320 | $ | 284 | $ | 13,594
Average of Impaired Loans and Related Interest Income by Loan Portfolio Class | The following table presents the average recorded investment in impaired loans and related interest income recognized for the years ended December 31, 2014 and 2013:
| 2014 | 2013
(in thousands) | Average investment | Interest income recognized on an accrual basis | Interest income recognized on a cash basis | Average investment | Interest income recognized on an accrual basis | Interest income recognized on a cash basis
Commercial real estate |  |  |  |  |  |  |  |  |  |  |  |
Non owner-occupied | $ | 2,411 | $ | 71 | $ | 0 | $ | 3,564 | $ | 39 | $ | 1,454
All other CRE |  | 9,088 |  | 148 |  | 67 |  | 10,670 |  | 314 |  | 46
Acquisition and development |  |  |  |  |  |  |  |  |  |  |  |
1-4 family residential construction |  | 1,510 |  | 43 |  | 0 |  | 2,958 |  | 77 |  | 0
All other A&D |  | 7,639 |  | 161 |  | 0 |  | 16,700 |  | 494 |  | 575
Commercial and industrial |  | 2,024 |  | 98 |  | 2 |  | 2,735 |  | 112 |  | 0
Residential mortgage |  |  |  |  |  |  |  |  |  |  |  |
Residential mortgage - term |  | 6,056 |  | 200 |  | 62 |  | 5,245 |  | 102 |  | 11
Residential mortgage – home equity |  | 581 |  | 4 |  | 4 |  | 559 |  | 22 |  | 1
Consumer |  | 10 |  | 0 |  | 0 |  | 64 |  | 0 |  | 0
Total | $ | 29,319 | $ | 725 | $ | 135 | $ | 42,495 | $ | 1,160 | $ | 2,087
Modification of Troubled Debt Restructuring by Class | The following table presents the volume and recorded investment at the time of modification of TDRs by class and type of modification that occurred during the periods indicated:
| Temporary Rate Modification | Extension of Maturity | Modification of Payment and Other Terms
| Number of Contracts | Recorded Investment | Number of Contracts | Recorded Investment | Number of Contracts | Recorded Investment
(Dollars in thousands) |  |  |  |  |  |  |
For the year ended December 31, 2014 |  |  |  |  |  |  |  |  |
Commercial real estate |  |  |  |  |  |  |  |  |
Non owner-occupied | 0 | $ | 0 | 2 | $ | 277 | 0 | $ | 0
All other CRE | 0 |  | 0 | 0 |  | 0 | 4 |  | 2,627
Acquisition and development |  |  |  |  |  |  |  |  |
1-4 family residential construction | 0 |  | 0 | 0 |  | 0 | 1 |  | 790
All other A&D | 0 |  | 0 | 0 |  | 0 | 1 |  | 1,782
Commercial and industrial | 0 |  | 0 | 0 |  | 0 | 0 |  | 0
Residential mortgage |  |  |  |  |  |  |  |  |
Residential mortgage – term | 2 |  | 160 | 1 |  | 233 | 0 |  | 0
Residential mortgage – home equity | 0 |  | 0 | 0 |  | 0 | 0 |  | 0
Consumer | 0 |  | 0 | 0 |  | 0 | 0 |  | 0
Total | 2 | $ | 160 | 3 | $ | 510 | 6 | $ | 5,199
For the year ended December 31, 2013 |  |  |  |  |  |  |  |  |
Commercial real estate |  |  |  |  |  |  |  |  |
Non owner-occupied | 0 | $ | 0 | 0 | $ | 0 | 0 | $ | 0
All other CRE | 0 |  | 0 | 2 |  | 268 | 0 |  | 0
Acquisition and development |  |  |  |  |  |  |  |  |
1-4 family residential construction | 0 |  | 0 | 0 |  | 0 | 0 |  | 0
All other A&D | 0 |  | 0 | 0 |  | 0 | 1 |  | 1,381
Commercial and industrial | 0 |  | 0 | 5 |  | 669 | 0 |  | 0
Residential mortgage |  |  |  |  |  |  |  |  |
Residential mortgage – term | 4 |  | 437 | 2 |  | 636 | 0 |  | 0
Residential mortgage – home equity | 0 |  | 0 | 0 |  | 0 | 0 |  | 0
Consumer | 0 |  | 0 | 0 |  | 0 | 0 |  | 0
Total | 4 | $ | 437 | 9 | $ | 1,573 | 1 | $ | 1,381

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