Non-performing Loans and Impaired Loans (Tables)

3 Months Ended

Mar. 31, 2018

Text Block [Abstract]

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:

	March 31, 2018
	Non-accrual		Loans Past Due Over 90 Days Still Accruing		Non-peforming TDRs		Performing TDRs		Total Non-performing Loans
Commercial
Owner occupied real estate	$	4,921	$	—	$	9	$	1	$	4,931
Non-owner occupied real estate		596		—		438		—		1,034
Residential spec homes		—		—		—		—		—
Development & spec land		76		—		—		—		76
Commercial and industrial		737		—		—		—		737
Total commercial		6,330		—		447		1		6,778
Real estate
Residential mortgage		3,162		—		458		1,656		5,276
Residential construction		—		—		—		—		—
Mortgage warehouse		—		—		—		—		—
Total real estate		3,162		—		458		1,656		5,276
Consumer
Direct installment		153		—		—		—		153
Direct installment purchased		—		—		—		—		—
Indirect installment		866		30		—		—		896
Home equity		1,551		—		185		242		1,978
Total consumer		2,570		30		185		242		3,027
Total	$	12,062	$	30	$	1,090	$	1,899	$	15,081

	December 31, 2017
	Non-accrual		Loans Past Due Over 90 Days Still Accruing		Non-peforming TDRs		Performing TDRs		Total Non-performing Loans
Commercial
Owner occupied real estate	$	4,877	$	—	$	11	$	1	$	4,889
Non-owner occupied real estate		115		—		440		—		555
Residential spec homes		—		—		—		—		—
Development & spec land		176		—		—		—		176
Commercial and industrial		1,734		—		—		—		1,734
Total commercial		6,902		—		451		1		7,354
Real estate
Residential mortgage		3,693		—		351		1,450		5,494
Residential construction		—		—		—		222		222
Mortgage warehouse		—		—		—		—		—
Total real estate		3,693		—		351		1,672		5,716
Consumer
Direct installment		160		—		—		—		160
Direct installment purchased		—		—		—		—		—
Indirect installment		1,041		167		—		—		1,208
Home equity		1,480		—		211		285		1,976
Total consumer		2,681		167		211		285		3,344
Total	$	13,276	$	167	$	1,013	$	1,958	$	16,414

Commercial Loans Individually Evaluated for Impairment by Class of Loan

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

	March 31, 2018
							Three Months Ended
	Unpaid Principal Balance		Recorded Investment		Allowance for Loan Loss Allocated		Average Balance in Impaired Loans		Cash/Accrual Interest Income Recognized
With no recorded allowance
Commercial
Owner occupied real estate	$	4,038	$	4,063	$	—	$	4,590	$	37
Non-owner occupied real estate		1,033		1,049		—		975		5
Residential spec homes		—		—		—		—		—
Development & spec land		76		74		—		75		—
Commercial and industrial		737		745		—		1,447		—
Total commercial		5,884		5,931		—		7,087		42
With an allowance recorded
Commercial
Owner occupied real estate		893		893		184		900		—
Non-owner occupied real estate		—		—		—		—		—
Residential spec homes		—		—		—		—		—
Development & spec land		—		—		—		—		—
Commercial and industrial		—		—		—		—		—
Total commercial		893		893		184		900		—
Total	$	6,777	$	6,824	$	184	$	7,987	$	42

	March 31, 2017
							Three Months Ended
	Unpaid Principal Balance		Recorded Investment		Allowance for Loan Loss Allocated		Average Balance in Impaired Loans		Cash/Accrual Interest Income Recognized
With no recorded allowance
Commercial
Owner occupied real estate	$	759	$	759	$	—	$	1,021	$	—
Non-owner occupied real estate		387		387		—		393		—
Residential spec homes		—		—		—		—		—
Development & spec land		112		112		—		238		—
Commercial and industrial		121		121		—		350		—
Total commercial		1,379		1,379		—		2,002		—
With an allowance recorded
Commercial
Owner occupied real estate		—		—		—		—		—
Non-owner occupied real estate		—		—		—		—		—
Residential spec homes		—		—		—		—		—
Development & spec land		—		—		—		—		—
Commercial and industrial		—		—		—		—		—
Total commercial		—		—		—		—		—
Total	$	1,379	$	1,379	$	—	$	2,002	$	—

Payment Status by Class of Loan

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

	March 31, 2018
	30-59 Days Past Due			60-89 Days Past Due			90 Days or Greater Past Due			Total Past Due			Loans Not Past Due			Total
Commercial
Owner occupied real estate	$	5,341		$	195		$	—		$	5,536		$	576,160		$	581,696
Non-owner occupied real estate		1,048			—			—			1,048			676,884			677,932
Residential spec homes		—			—			—			—			17,473			17,473
Development & spec land		12			—			—			12			33,724			33,736
Commercial and industrial		922			109			—			1,031			339,487			340,518
Total commercial		7,323			304			—			7,627			1,643,728			1,651,355
Real estate
Residential mortgage		602			79			—			681			594,743			595,424
Residential construction		—			—			—			—			20,447			20,447
Mortgage warehouse		—			—			—			—			101,299			101,299
Total real estate		602			79			—			681			716,489			717,170
Consumer
Direct installment		7			—			—			7			37,407			37,414
Indirect installment		747			201			30			978			249,947			250,925
Home equity		253			104			—			357			194,138			194,495
Total consumer		1,007			305			30			1,342			481,492			482,834
Total	$	8,932		$	688		$	30		$	9,650		$	2,841,709		$	2,851,359
Percentage of total loans		0.31	%		0.02	%		0.00	%		0.34	%		99.66	%

	December 31, 2017
	30-59 Days Past Due			60-89 Days Past Due			90 Days or Greater Past Due			Total Past Due			Loans Not Past Due			Total
Commercial
Owner occupied real estate	$	1,613		$	1,950		$	—		$	3,563		$	568,419		$	571,982
Non-owner occupied real estate		512			122			—			634			678,311			678,945
Residential spec homes		—			—			—			—			16,431			16,431
Development & spec land		31			—			—			31			48,807			48,838
Commercial and industrial		520			1			—			521			347,350			347,871
Total commercial		2,676			2,073			—			4,749			1,659,318			1,664,067
Real estate
Residential mortgage		1,248			49			—			1,297			587,061			588,358
Residential construction		63			—			—			63			15,964			16,027
Mortgage warehouse		—			—			—			—			94,508			94,508
Total real estate		1,311			49			—			1,360			697,533			698,893
Consumer
Direct installment		78			10			—			88			37,753			37,841
Indirect installment		1,859			244			167			2,270			225,053			227,323
Home equity		502			527			—			1,029			196,549			197,578
Total consumer		2,439			781			167			3,387			459,355			462,742
Total	$	6,426		$	2,903		$	167		$	9,496		$	2,816,206		$	2,825,702
Percentage of total loans		0.23	%		0.10	%		0.01	%		0.34	%		99.66	%

Loans by Credit Grades

The following table presents loans by credit grades.

	March 31, 2018
	Pass			Special Mention			Substandard			Doubtful			Total
Commercial
Owner occupied real estate	$	551,813		$	13,215		$	16,668		$	—		$	581,696
Non-owner occupied real estate		667,528			5,014			5,390			—			677,932
Residential spec homes		17,473			—			—			—			17,473
Development & spec land		33,660			—			76			—			33,736
Commercial and industrial		323,117			4,803			12,598			—			340,518
Total commercial		1,593,591			23,032			34,732			—			1,651,355
Real estate
Residential mortgage		590,148			—			5,276			—			595,424
Residential construction		20,447			—			—			—			20,447
Mortgage warehouse		101,299			—			—			—			101,299
Total real estate		711,894			—			5,276			—			717,170
Consumer
Direct installment		37,261			—			153			—			37,414
Indirect installment		250,029			—			896			—			250,925
Home equity		192,517			—			1,978			—			194,495
Total consumer		479,807			—			3,027			—			482,834
Total	$	2,785,292		$	23,032		$	43,035		$	—		$	2,851,359
Percentage of total loans		97.68	%		0.81	%		1.51	%		0.00	%