Allowance For Loan Losses (Tables)

9 Months Ended

Sep. 30, 2014

Allowance for Loan and Lease Losses, Adjustments, Net [Abstract]

Schedule of Credit Losses Related to Financing Receivables, Current and Noncurrent

An analysis of the allowance for loan losses for the nine month periods ended September 30, 2014 and 2013, and for the year ended December 31, 2013 is as follows:

	Nine Months Ended   September 30,				Year Ended   December 31,
Dollars in thousands	2014		2013		2013
Balance, beginning of year	$	12,659	$	17,933	$	17,933
Losses:
Commercial	390		205		723
Commercial real estate
Owner occupied	11		1,067		1,031
Non-owner occupied	—		9		9
Construction and development
Land and land development	3,535		3,560		3,596
Construction	—		—		—
Residential real estate
Non-jumbo	280		494		541
Jumbo	65		3,739		4,741
Home equity	—		77		77
Consumer	119		55		79
Other	71		84		162
Total	4,471		9,290		10,959
Recoveries:
Commercial	19		7		12
Commercial real estate
Owner occupied	38		2		8
Non-owner occupied	12		633		674
Construction and development
Land and land development	177		13		187
Construction	—		—		—
Real estate - mortgage
Non-jumbo	71		106		127
Jumbo	163		4		6
Home equity	3		4		5
Consumer	63		53		79
Other	57		74		87
Total	603		896		1,185
Net losses	3,868		8,394		9,774
Provision for loan losses	2,250		3,500		4,500
Balance, end of year	$	11,041	$	13,039	$	12,659

Allowance for Credit Losses on Financing Receivables

Activity in the allowance for loan losses by loan class during the first nine months of 2014 is as follows:

	Construction & Land Development							Commercial Real Estate					Residential Real Estate
Dollars in thousands	Land & Land Develop- ment		Construc- tion		Commer- cial			Owner Occupied			Non- Owner Occupied		Non- jumbo		Jumbo		Home Equity		Con- sumer		Other		Total
Allowance for loan losses
Beginning balance	$	5,455	$	269	$	1,324		$	969		$	641	$	1,842	$	1,888	$	173	$	47	$	51	$	12,659
Charge-offs	3,535		—		390			11			—		280		65		—		119		71		4,471
Recoveries	177		—		19			38			12		71		163		3		63		57		603
Provision	772		209		(64		)	(99		)	1,002		91		170		55		66		48		2,250
Ending balance	$	2,869	$	478	$	889		$	897		$	1,655	$	1,724	$	2,156	$	231	$	57	$	85	$	11,041
Allowance related to:
Loans individually evaluated for impairment	$	10	$	—	$	7		$	256		$	87	$	201	$	49	$	—	$	—	$	—	$	610
Loans collectively evaluated for impairment	2,859		478		882			641			1,568		1,523		2,107		231		57		85		10,431
Loans acquired with deteriorated credit quality	—		—		—			—			—		—		—		—		—		—		—
Total	$	2,869	$	478	$	889		$	897		$	1,655	$	1,724	$	2,156	$	231	$	57	$	85	$	11,041
Loans
Loans individually evaluated for impairment	$	14,413	$	—	$	454		$	10,438		$	7,870	$	6,528	$	8,681	$	808	$	35	$	—	$	49,227
Loans collectively evaluated for impairment	46,675		27,239		83,308			146,327			306,707		211,597		43,236		63,448		19,871		6,753		$	955,161
Loans acquired with deteriorated credit quality	—		—		—			—			—		—		—		—		—		—		—
Total	$	61,088	$	27,239	$	83,762		$	156,765		$	314,577	$	218,125	$	51,917	$	64,256	$	19,906	$	6,753	$	1,004,388