Allowance for Loan Losses (Tables)

9 Months Ended

Sep. 30, 2017

Receivables [Abstract]

Allowance for Loan Losses

The historical loss experience is determined by portfolio segment and is based on the actual loss history experienced by the Company over the prior one to five years. Management believes the five-year historical loss experience methodology is appropriate in the current economic environment, as it captures loss rates that are comparable to the current period being analyzed. The actual allowance for loan loss activity is provided below.

	Three Months Ended September 30						Nine Months Ended September 30
	2017			2016			2017			2016
	(Unaudited)			(Unaudited)			(Unaudited)			(Unaudited)
Balance at beginning of the period	$	15,027		$	14,226		$	14,837		$	14,534
Loans charged-off:
Commercial
Owner occupied real estate		12			4			12			182
Non owner occupied real estate		20			(1	)		20			471
Residential development		—			—			—			—
Development & Spec Land Loans		—			—			1			—
Commercial and industrial		232			8			273			47
Total commercial		264			11			306			700
Real estate
Residential mortgage		37			12			89			127
Residential construction		—			—			—			—
Mortgage warehouse		—			—			—			—
Total real estate		37			12			89			127
Consumer
Direct Installment		84			55			331			159
Direct Installment Purchased		—			—			—			—
Indirect Installment		254			296			862			851
Home Equity		24			32			95			271
Total consumer		362			383			1,288			1,281
Total loans charged-off		663			406			1,683			2,108
Recoveries of loans previously charged-off:
Commercial
Owner occupied real estate		7			2			8			31
Non owner occupied real estate		4			1			29			55
Residential development		2			2			6			6
Development & Spec Land Loans		—			—			—			—
Commercial and industrial		82			12			204			107
Total commercial		95			17			247			199
Real estate
Residential mortgage		13			12			35			75
Residential construction		—			—			—			—
Mortgage warehouse		—			—			—			—
Total real estate		13			12			35			75
Consumer
Direct Installment		260			26			311			70
Direct Installment Purchased		—			—			—			—
Indirect Installment		119			160			384			400
Home Equity		25			34			85			135
Total consumer		404			220			780			605
Total loan recoveries		512			249			1,062			879
Net loans charged-off (recovered)		151			157			621			1,229
Provision charged to operating expense
Commercial		429			165			1,357			(471	)
Real estate		361			102			(113	)		(147	)
Consumer		(80	)		188			126			1,837
Total provision charged to operating expense		710			455			1,370			1,219
Balance at the end of the period	$	15,586		$	14,524		$	15,586		$	14,524

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:

					Mortgage
September 30, 2017	Commercial		Real Estate		Warehousing		Consumer		Total
Allowance For Loan Losses
Ending allowance balance attributable to loans:
Individually evaluated for impairment	$	—	$	—	$	—	$	—	$	—
Collectively evaluated for impairment		7,877		2,129		1,048		4,532		15,586
Loans acquired with deteriorated credit quality		—		—		—		—		—
Total ending allowance balance	$	7,877	$	2,129	$	1,048	$	4,532	$	15,586
Loans:
Individually evaluated for impairment	$	3,451	$	—	$	—	$	—	$	3,451
Collectively evaluated for impairment		1,274,952		572,905		95,963		486,971		2,430,791
Loans acquired with deteriorated credit quality		—		—		—		—		—
Total ending loans balance	$	1,278,403	$	572,905	$	95,963	$	486,971	$	2,434,242
					Mortgage
December 31, 2016	Commercial		Real Estate		Warehousing		Consumer		Total
Allowance For Loan Losses
Ending allowance balance attributable to loans:
Individually evaluated for impairment	$	4	$	—	$	—	$	—	$	4
Collectively evaluated for impairment		6,575		2,090		1,254		4,914		14,833
Loans acquired with deteriorated credit quality		—		—		—		—		—
Total ending allowance balance	$	6,579	$	2,090	$	1,254	$	4,914	$	14,837
Loans:
Individually evaluated for impairment	$	2,250	$	—	$	—	$	—	$	2,250
Collectively evaluated for impairment		1,071,199		533,399		136,207		399,676		2,140,481
Loans acquired with deteriorated credit quality		—		—		—		—		—
Total ending loans balance	$	1,073,449	$	533,399	$	136,207	$	399,676	$	2,142,731