Non-performing Loans and Impaired Loans (Tables)

9 Months Ended

Sep. 30, 2017

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Non-accrual, Loans Past Due Over 90 Days Still on Accrual, and Troubled Debt Restructured ("TDRs") by Class of Loans

The following table presents the non-accrual, loans past due over 90 days still on accrual, and troubled debt restructured (“TDRs”) by class of loans:

September 30, 2017	Non-accrual		Loans Past Due Over 90 Days Still Accruing		Non- Performing TDRs		Performing TDRs		Total Non- Performing Loans
Commercial
Owner occupied real estate	$	894	$	—	$	29	$	—	$	923
Non owner occupied real estate		218		—		483		—		701
Residential development		—		—		—		—		—
Development & Spec Land Loans		102		—		—		—		102
Commercial and industrial		1,707		—		—		—		1,707
Total commercial		2,921		—		512		—		3,433
Real estate
Residential mortgage		3,269		119		460		1,473		5,321
Residential construction		—		—		—		224		224
Mortgage warehouse		—		—		—		—		—
Total real estate		3,269		119		460		1,697		5,545
Consumer
Direct Installment		310		—		—		—		310
Direct Installment Purchased		—		—		—		—		—
Indirect Installment		1,019		15		—		—		1,034
Home Equity		1,546		28		220		318		2,112
Total Consumer		2,875		43		220		318		3,456
Total	$	9,065	$	162	$	1,192	$	2,015	$	12,434
December 31, 2016	Non-accrual		Loans Past Due Over 90 Days Still Accruing		Non-Performing TDRs		Performing TDRs		Total Non- Performing Loans
Commercial
Owner occupied real estate	$	1,532	$	183	$	—	$	—	$	1,715
Non owner occupied real estate		440		—		—		—		440
Residential development		—		—		—		—		—
Development & Spec Land Loans		118		—		—		—		118
Commercial and industrial		159		—		—		—		159
Total commercial		2,249		183		—		—		2,432
Real estate
Residential mortgage		2,959		—		576		1,254		4,789
Residential construction		—		—		233		—		233
Mortgage warehouse		—		—		—		—		—
Total real estate		2,959		—		809		1,254		5,022
Consumer
Direct Installment		512		—		—		—		512
Direct Installment Purchased		—		—		—		—		—
Indirect Installment		659		49		—		—		708
Home Equity		1,557		9		205		238		2,009
Total Consumer		2,728		58		205		238		3,229
Total	$	7,936	$	241	$	1,014	$	1,492	$	10,683

Commercial Loans Individually Evaluated for Impairment by Class of Loan

The following table presents commercial loans individually evaluated for impairment by class of loan:

							Three Months Ending				Nine Months Ending
September 30, 2017	Unpaid Principal Balance		Recorded Investment		Allowance For Loan Loss Allocated		Average Balance in Impaired Loans		Cash/Accrual Interest Income Recognized		Average Balance in Impaired Loans		Cash/Accrual Interest Income Recognized
With no recorded allowance
Commercial
Owner occupied real estate	$	923	$	934	$	—	$	1,167	$	4	$	1,033	$	4
Non owner occupied real estate		701		701		—		468		—		308		2
Residential development		—		—		—		—		—		—		—
Development & Spec Land Loans		102		102		—		222		—		230		—
Commercial and industrial		1,707		1,714		—		2,066		3		1,071		19
Total commercial		3,433		3,451		—		3,923		7		2,642		25
With an allowance recorded
Commercial
Owner occupied real estate		—		—		—		—		—		—		—
Non owner occupied real estate		—		—		—		—		—		—		—
Residential development		—		—		—		—		—		—		—
Development & Spec Land Loans		—		—		—		—		—		—		—
Commercial and industrial		—		—		—		—		—		—		—
Total commercial		—		—		—		—		—		—		—
Total	$	3,433	$	3,451	$	—	$	3,923	$	7 $		2,642	$	25
							Three Months Ending				Nine Months Ending
September 30, 2016	Unpaid Principal Balance		Recorded Investment		Allowance For Loan Loss Allocated		Average Balance in Impaired Loans		Cash/Accrual Interest Income Recognized		Average Balance in Impaired Loans		Cash/Accrual Interest Income Recognized
With no recorded allowance
Commercial
Owner occupied real estate	$	994	$	995	$	—	$	1,029	$	—	$	1,062	$	—
Non owner occupied real estate		3,106		3,120		—		3,150		1		3,776		3
Residential development		—		—		—		—		—		—		—
Development & Spec Land Loans		—		—		—		—		—		—		—
Commercial and industrial		1,740		1,740		—		1,984		—		878		—
Total commercial		5,840		5,855		—		6,163		1		5,716		3
With an allowance recorded
Commercial
Owner occupied real estate		—		—		—		—		—		—		—
Non owner occupied real estate		—		—		—		—		—		—		—
Residential development		—		—		—		—		—		—		—
Development & Spec Land Loans		—		—		—		—		—		—		—
Commercial and industrial		—		—		—		—		—		—		—
Total commercial		—		—		—		—		—		—		—
Total	$	5,840	$	5,855	$	—	$	6,163	$	1	$	5,716	$	3

Payment Status by Class of Loan

The following table presents the payment status by class of loan:

							90 Days or
	30-59 Days			60-89 Days			Greater Past			Total Past			Loans Not
September 30, 2017	Past Due			Past Due			Due			Due			Past Due			Total
Commercial
Owner occupied real estate	$	2,282		$	—		$	—		$	2,282		$	400,902		$	403,184
Non owner occupied real estate		132			—			—			132			531,428			531,560
Residential development		135			—			—			135			3,896			4,031
Development & Spec Land Loans		—			—			—			—			43,299			43,299
Commercial and industrial		255			166			—			421			287,665			288,086
Total commercial		2,804			166			—			2,970			1,267,190			1,270,160
Real estate
Residential mortgage		1,012			167			119			1,298			552,153			553,451
Residential construction		—			—			—			—			14,825			14,825
Mortgage warehouse		—			—			—			—			95,483			95,483
Total real estate		1,012			167			119			1,298			662,461			663,759
Consumer
Direct Installment		67			—			—			67			85,659			85,726
Direct Installment Purchased		—			—			—			—			88			88
Indirect Installment		1,192			181			15			1,388			205,905			207,293
Home Equity		611			84			28			723			193,327			194,050
Total consumer		1,870			265			43			2,178			484,979			487,157
Total	$	5,686		$	598		$	162		$	6,446		$	2,414,630		$	2,421,076
Percentage of total loans		0.23	%		0.02	%		0.01	%		0.27	%		99.73	%
							90 Days or
	30-59 Days			60-89 Days			Greater Past			Total Past			Loans Not
December 31, 2016	Past Due			Past Due			Due			Due			Past Due			Total
Commercial
Owner occupied real estate	$	1,068		$	—		$	183		$	1,251		$	336,297		$	337,548
Non owner occupied real estate		357			—			—			357			461,540			461,897
Residential development		—			—			—			—			5,006			5,006
Development & Spec Land Loans		1			—			—			1			31,227			31,228
Commercial and industrial		982			—			—			982			229,538			230,520
Total commercial		2,408			—			183			2,591			1,063,608			1,066,199
Real estate
Residential mortgage		886			123			—			1,009			507,224			508,233
Residential construction		—			—			—			—			20,611			20,611
Mortgage warehouse		—			—			—			—			135,727			135,727
Total real estate		886			123			—			1,009			663,562			664,571
Consumer
Direct Installment		139			4			—			143			71,007			71,150
Direct Installment Purchased		—			—			—			—			119			119
Indirect Installment		1,339			237			49			1,625			151,579			153,204
Home Equity		912			267			9			1,188			173,938			175,126
Total consumer		2,390			508			58			2,956			396,643			399,599
Total	$	5,684		$	631		$	241		$	6,556		$	2,123,813		$	2,130,369
Percentage of total loans		0.27	%		0.03	%		0.01	%		0.31	%		99.69	%

Loans by Credit Grades

The following table presents loans by credit grades.

				Special
September 30, 2017	Pass			Mention			Substandard			Doubtful			Total
Commercial
Owner occupied real estate	$	386,856		$	5,776		$	10,552		$	—		$	403,184
Non owner occupied real estate		523,831			1,008			6,721			—			531,560
Residential development		4,031			—			—			—			4,031
Development & Spec Land Loans		43,066			—			233			—			43,299
Commercial and industrial		272,622			4,969			10,495			—			288,086
Total commercial		1,230,406			11,753			28,001			—			1,270,160
Real estate
Residential mortgage		548,249			—			5,202			—			553,451
Residential construction		14,601			—			224			—			14,825
Mortgage warehouse		95,483			—			—			—			95,483
Total real estate		658,333			—			5,426			—			663,759
Consumer
Direct Installment		85,416			—			310			—			85,726
Direct Installment Purchased		88			—			—			—			88
Indirect Installment		206,259			—			1,034			—			207,293
Home Equity		191,938			—			2,112			—			194,050
Total Consumer		483,701			—			3,456			—			487,157
Total	$	2,372,439		$	11,753		$	36,883		$	—		$	2,421,076
Percentage of total loans		97.99	%		0.49	%		1.52	%		0.00	%
				Special
December 31, 2016	Pass			Mention			Substandard			Doubtful			Total
Commercial
Owner occupied real estate	$	322,924		$	4,960		$	9,664		$	—		$	337,548
Non owner occupied real estate		455,648			341			5,908			—			461,897
Residential development		5,006			—			—			—			5,006
Development & Spec Land Loans		31,057			—			171			—			31,228
Commercial and industrial		220,424			3,728			6,368			—			230,520
Total commercial		1,035,059			9,029			22,111			—			1,066,199
Real estate
Residential mortgage		503,444			—			4,789			—			508,233
Residential construction		20,378			—			233			—			20,611
Mortgage warehouse		135,727			—			—			—			135,727
Total real estate		659,549			—			5,022			—			664,571
Consumer
Direct Installment		70,638			—			512			—			71,150
Direct Installment Purchased		119			—			—			—			119
Indirect Installment		152,496			—			708			—			153,204
Home Equity		173,117			—			2,009			—			175,126
Total Consumer		396,370			—			3,229			—			399,599
Total	$	2,090,978		$	9,029		$	30,362		$	—		$	2,130,369
Percentage of total loans		98.15	%		0.42	%		1.43	%		0.00	%