Credit Quality and Nonperforming Assets (Tables)

3 Months Ended

Mar. 31, 2015

Credit Quality and Nonperforming Assets [Abstract]

Credit Quality Classifications for Loan Balances

	March 31, 2015
	Pass		Special Mention		Substandard			Impaired	Total
Real Estate:
1-4 family residential construction	$	5,751	$	-	$	-	$	-	$	5,751
Other construction/land		18,523		154		-		4,114		22,791
1-4 family - closed end		129,244		968		646		5,250		136,108
Equity lines		44,022		406		1,350		1,453		47,231
Multi-family residential		17,392		1,044		-		180		18,616
Commercial real estate - owner occupied		188,743		18,387		4,245		3,721		215,096
Commercial real estate - non-owner occupied		113,107		5,198		629		12,731		131,665
Farmland		126,177		1,096		739		933		128,945
Total real estate		642,959		27,253		7,609		28,382		706,203
Agricultural		27,971		43		-		487		28,501
Commercial and industrial		104,861		891		721		2,990		109,463
Mortgage Warehouse		204,233		-		-		-		204,233
Consumer loans		14,750		168		17		2,509		17,444
Total gross loans and leases	$	994,774	$	28,355	$	8,347	$	34,368	$	1,065,844

	December 31, 2014
	Pass		Special Mention		Substandard			Impaired	Total
Real Estate:
1-4 family residential construction	$	5,858	$	-	$	-	$	-	$	5,858
Other construction/land		15,238		247		-		4,423		19,908
1-4 family - closed end		105,398		833		918		7,110		114,259
Equity lines		46,819		294		1,237		1,367		49,717
Multi-family residential		18,127		420		-		171		18,718
Commercial real estate - owner occupied		191,495		18,694		3,845		4,620		218,654
Commercial real estate - non-owner occupied		114,317		4,250		631		12,879		132,077
Farmland		142,295		1,950		744		50		145,039
Total real estate		639,547		26,688		7,375		30,620		704,230
Agricultural		27,215		531		-		-		27,746
Commercial and industrial		108,469		1,529		857		2,916		113,771
Mortgage Warehouse		106,021		-		-		-		106,021
Consumer loans		15,752		222		23		2,888		18,885
Total gross loans and leases	$	897,004	$	28,970	$	8,255	$	36,424	$	970,653

Aging of Loan Balances by Number of Days Past Due

	March 31, 2015
	30-59 Days Past Due		60-89 Days Past Due		90 Days Or More Past Due(1)		Total Past Due		Current		Total Financing Receivables		Non-Accrual Loans(2)
Real Estate:
1-4 family residential construction	$	332	$	-	$	-	$	332	$	5,419	$	5,751	$	-
Other construction/land		-		-		3,034		3,034		19,757		22,791		3,209
1-4 family - closed end		804		-		1,260		2,064		134,044		136,108		1,728
Equity lines		210		48		216		474		46,757		47,231		1,138
Multi-family residential		-		170		180		350		18,266		18,616		180
Commercial real estate - owner occupied		769		-		177		946		214,150		215,096		2,856
Commercial real estate - non-owner occupied		-		-		7,467		7,467		124,198		131,665		7,658
Farmland		-		50		883		933		128,012		128,945		933
Total real estate		2,115		268		13,217		15,600		690,603		706,203		17,702
Agricultural		309		-		487		796		27,705		28,501		487
Commercial and industrial		1,139		24		346		1,509		107,954		109,463		976
Mortgage warehouse lines		-		-		-		-		204,233		204,233		-
Consumer		38		5		-		43		17,401		17,444		601
Total gross loans and leases	$	3,601	$	297	$	14,050	$	17,948	$	1,047,896	$	1,065,844	$	19,766

(1) As of March 31, 2015 there were no loans over 90 days past due and still acrruing.

(2) Included in total financing receivables

	December 31, 2014
	30-59 Days Past Due		60-89 Days Past Due		90 Days Or More Past Due(1)		Total Past Due		Current		Total Financing Receivables		Non-Accrual Loans(2)
Real Estate:
1-4 family residential construction	$	-	$	332	$	-	$	332	$	5,526	$	5,858	$	-
Other construction/land		93		59		3,253		3,405		16,503		19,908		3,547
1-4 family - closed end		1,125		597		2,874		4,596		109,663		114,259		3,042
Equity lines		98		44		214		356		49,361		49,717		1,049
Multi-family residential		185		-		171		356		18,362		18,718		171
Commercial real estate - owner occupied		1,460		26		1,316		2,802		215,852		218,654		3,417
Commercial real estate - non-owner occupied		604		294		6,953		7,851		124,226		132,077		7,754
Farmland		997		-		-		997		144,042		145,039		51
Total real estate		4,562		1,352		14,781		20,695		683,535		704,230		19,031
Agricultural		618		-		-		618		27,128		27,746		-
Commercial and industrial		1,346		153		39		1,538		112,233		113,771		821
Mortgage warehouse lines		-		-		-		-		106,021		106,021		-
Consumer		136		17		-		153		18,732		18,885		826
Total gross loans and leases	$	6,662	$	1,522	$	14,820	$	23,004	$	947,649	$	970,653	$	20,678

(1) As of December 31, 2014 there were no loans over 90 days past due and still accruing.

(2) Included in total financing receivables

Troubled Debt Restructurings, by Type of Loan Modification

	Three months ended March 31, 2015
	Rate Modification		Term Modification		Rate & Term Modification		Term &  Interest Only Modification		Total
Real estate:
Other construction/land	$	-	$	111	$	-	$	-	$	111
1-4 family - closed-end		-		-		-		-		-
Equity lines		-		205		-		-		205
Commercial real estate - owner occupied		-		-		-		-		-
Total real estate loans		-		316		-		-		316
Commercial and industrial		-		43		-		-		43
Consumer loans		-		-		-		-		-
	$	-	$	359	$	-	$	-	$	359

	Three months ended March 31, 2014
	Rate Modification		Term Modification		Rate & Term Modification		Term &  Interest Only Modification		Total
Real Estate:
Other construction/land	$	-	$	-	$	-	$	-	$	-
1-4 family - closed-end		-		13		-		-		13
Equity lines		-		-		-		-		-
Commercial real estate - owner occupied		-		123		-		-		123
Total real estate loans		-		136		-		-		136
Commercial and industrial		-		110		4		-		114
Consumer loans		-		2		-		-		2
	$	-	$	248	$	4	$	-	$	252

	Three months ended March 31, 2015
		Pre-		Post-
		Modification		Modification
		Outstanding		Outstanding
	Number of	Recorded		Recorded		Reserve
	Loans	Investment		Investment		Difference(1)			Reserve
Real Estate:
Other Construction/Land	2	$	111	$	111	$	4		$	5
1-4 family - closed-end	0		-		-		-			-
Equity Lines	2		205		205		-			139
Commercial RE- owner occupied	0		-		-		-			-
Total Real Estate Loans			316		316		4			144
Commercial and Industrial	2		43		43		(19	)		13
Consumer loans	0		-		-		-			-
		$	359	$	359	$	(15	)	$	157

(1) This represents the change in the ALLL reserve for these credits measured as the difference between the specific post-modification impairment reserve and the pre-modification reserve calculated under our general allowance for loan loss methodology.

	Three months ended March 31, 2014
	Number of Loans	Pre- Modification Outstanding Recorded Investment		Post- Modification Outstanding Recorded Investment		Reserve Difference(1)		Reserve
Real Estate:
Other Construction/Land	0	$	-	$	-	$	-	$	-
1-4 family - closed-end	1		13		13		-		-
Equity Lines	0		-		-		-		-
Commercial RE- owner occupied	1		123		123		-		-
Total Real Estate Loans			136		136		-		-
Commercial and Industrial	3		114		114		23		20
Consumer loans	1		2		2		-		-
		$	252	$	252	$	23	$	20

(1) This represents the change in the ALLL reserve for these credits measured as the difference between the specific post-modification impairment reserve and the pre-modification reserve calculated under our general allowance for loan loss methodology.

	For the three months ended March 31, 2015
	Number of Loans		Recorded Investment		Charge-Offs
Commercial and Industrial		-	$	-	$	-

	For the three months ended March 31, 2014
	Number of Loans		Recorded Investment		Charge-Offs
Commercial and Industrial		1	$	127	$	-

Schedule of Debtor Troubled Debt Restructuring, Subsequent Periods

		March 31, 2015
	Unpaid Principal Balance		Carrying Value
Real estate secured	$	1,195	$	252
Commercial and industrial		85		-
Consumer		1		-
Total purchased credit impaired loans	$	1,281	$	252

	December 31, 2014
	Unpaid Principal Balance		Carrying Value
Real estate secured	$	1,222	$	228
Commercial and industrial		92		-
Consumer		1		-
Total purchased credit impaired loans	$	1,315	$	228