Allowance for Loan Losses (Tables)

3 Months Ended

Mar. 31, 2018

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 using the highest of the one, two or five-year historical loss experience is an appropriate methodology 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 March 31
	2018			2017
	(Unaudited)			(Unaudited)
Balance at beginning of the period	$	16,394		$	14,837
Loans charged-off:
Commercial
Owner occupied real estate		13			—
Non-owner occupied real estate		—			—
Residential spec homes		—			—
Development & spec land		—			—
Commercial and industrial		—			5
Total commercial		13			5
Real estate
Residential mortgage		12			51
Residential construction		—			—
Mortgage warehouse		—			—
Total real estate		12			51
Consumer
Direct installment		55			20
Indirect installment		505			285
Home equity		131			50
Total consumer		691			355
Total loans charged-off		716			411
Recoveries of loans previously charged-off:
Commercial
Owner occupied real estate		12			—
Non-owner occupied real estate		5			22
Residential spec homes		2			2
Development & spec land		—			—
Commercial and industrial		32			111
Total commercial		51			135
Real estate
Residential mortgage		6			13
Residential construction		—			—
Mortgage warehouse		—			—
Total real estate		6			13
Consumer
Direct installment		11			16
Indirect installment		139			113
Home equity		22			21
Total consumer		172			150
Total loan recoveries		229			298
Net loans charged-off		487			113
Provision charged to operating expense
Commercial		(1,291	)		887
Real estate		(252	)		(567	)
Consumer		2,110			10
Total provision charged to operating expense		567			330
Balance at the end of the period	$	16,474		$	15,054

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:

	March 31, 2018
	Commercial		Real Estate		Mortgage Warehousing		Consumer		Total
Allowance For Loan Losses
Ending allowance balance attributable to loans:
Individually evaluated for impairment	$	184	$	—	$	—	$	—	$	184
Collectively evaluated for impairment		7,656		1,930		1,030		5,674		16,290
Loans acquired with deteriorated credit quality		—		—		—		—		—
Total ending allowance balance	$	7,840	$	1,930	$	1,030	$	5,674	$	16,474
Loans:
Individually evaluated for impairment	$	6,824	$	—	$	—	$	—	$	6,824
Collectively evaluated for impairment		1,654,250		619,911		101,779		482,505		2,858,445
Loans acquired with deteriorated credit quality		—		—		—		—		—
Total ending loans balance	$	1,661,074	$	619,911	$	101,779	$	482,505	$	2,865,269

	December 31, 2017
	Commercial		Real Estate		Mortgage Warehousing		Consumer		Total
Allowance For Loan Losses
Ending allowance balance attributable to loans:
Individually evaluated for impairment	$	184	$	—	$	—	$	—	$	184
Collectively evaluated for impairment		8,909		2,188		1,030		4,083		16,210
Loans acquired with deteriorated credit quality		—		—		—		—		—
Total ending allowance balance	$	9,093	$	2,188	$	1,030	$	4,083	$	16,394
Loans:
Individually evaluated for impairment	$	7,187	$	—	$	—	$	—	$	7,187
Collectively evaluated for impairment		1,667,942		608,575		94,988		462,529		2,834,034
Loans acquired with deteriorated credit quality		—		—		—		—		—
Total ending loans balance	$	1,675,129	$	608,575	$	94,988	$	462,529	$	2,841,221