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Allowance for Credit and Loan Losses (Tables)
 12 Months Ended
Dec. 31, 2020
Receivables [Abstract]  
Allowance for Credit Losses
The following tables represent, by loan portfolio segment, a summary of changes in the ACL on loans for the twelve months ended December 31, 2020.

Twelve Months Ended December 31, 2020
CommercialReal EstateMortgage WarehouseConsumerTotal
Balance, beginning of period$11,996 $923 $1,077 $3,671 $17,667 
Impact of adopting ASC 32613,618 4,048 — 4,911 22,577 
Provision for credit losses on loans19,198 (184)190 1,547 20,751 
PCD loans charge–offs(2,105)— — — (2,105)
Charge–offs(653)(204)— (2,169)(3,026)
Recoveries156 37 — 970 1,163 
Balance, end of period$42,210 $4,620 $1,267 $8,930 $57,027 
Allowance For Loan Losses The actual allowance for loan loss activity is provided below.
Years Ended December 31
20192018
Balance at beginning of the period$17,820 $16,394 
Loans charged–off:
Commercial
Owner occupied real estate41 109 
Non–owner occupied real estate64 — 
Residential spec homes3 — 
Development & spec land— — 
Commercial and industrial755 364 
Total commercial863 473 
Real estate
Residential mortgage93 76 
Residential construction— — 
Mortgage warehouse— — 
Total real estate93 76 
Consumer
Direct installment208 154 
Indirect installment1,785 1,673 
Home equity319 176 
Total consumer2,312 2,003 
Total loans charged–off3,268 2,552 
Recoveries of loans previously charged–off:
Commercial
Owner occupied real estate— 55 
Non–owner occupied real estate15 33 
Residential spec homes5 8 
Development & spec land— — 
Commercial and industrial179 80 
Total commercial199 176 
Real estate
Residential mortgage46 27 
Residential construction— — 
Mortgage warehouse— — 
Total real estate46 27 
Consumer
Direct installment97 53 
Indirect installment661 505 
Home equity136 311 
Total consumer894 869 
Total loan recoveries1,139 1,072 
Net loans charged–off2,129 1,480 
Provision charged to operating expense
Commercial2,165 1,699 
Real estate(635)(487)
Consumer446 1,694 
Total provision charged to operating expense1,976 2,906 
Balance at the end of the period$17,667 17,820 
Allowance for Loan Losses and Recorded Investment in Loans by Portfolio Segment
The following table presents the balance in the allowance for loan losses and the recorded investment in loans by portfolio segment, and based on impairment analysis as of December 31, 2019 :
December 31, 2019
CommercialReal
Estate		Mortgage
Warehousing		ConsumerTotal
Allowance For Loan Losses
Ending allowance balance attributable to loans:
Individually evaluated for impairment$541 $— $— $— $541 
Collectively evaluated for impairment11,455 923 1,077 3,671 17,126 
Loans acquired with deteriorated credit quality— — — — — 
Total ending allowance balance$11,996 $923 $1,077 $3,671 $17,667 
Loans:
Individually evaluated for impairment$7,347 $— $— $— $7,347 
Collectively evaluated for impairment2,040,299 770,705 150,293 665,952 3,627,249 
Loans acquired with deteriorated credit quality— — — — — 
Total ending loans balance$2,047,646 $770,705 $150,293 $665,952 $3,634,596 
The following table presents the balance in the allowance for loan losses and the recorded investment in loans by portfolio segment, and based on impairment analysis as of December 31, 2019 :
December 31, 2019
CommercialReal
Estate		Mortgage
Warehousing		ConsumerTotal
Allowance For Loan Losses
Ending allowance balance attributable to loans:
Individually evaluated for impairment$541 $— $— $— $541 
Collectively evaluated for impairment11,455 923 1,077 3,671 17,126 
Loans acquired with deteriorated credit quality— — — — — 
Total ending allowance balance$11,996 $923 $1,077 $3,671 $17,667 
Loans:
Individually evaluated for impairment$7,347 $— $— $— $7,347 
Collectively evaluated for impairment2,040,299 770,705 150,293 665,952 3,627,249 
Loans acquired with deteriorated credit quality— — — — — 
Total ending loans balance$2,047,646 $770,705 $150,293 $665,952 $3,634,596