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Allowance For Loan Losses (Tables)
 12 Months Ended
Dec. 31, 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 years ended December 31, 2014, 2013, and 2012 is as follows:
Dollars in thousands
 
2014
 
2013
 
2012
 
 
 
 
 
 
 
Balance, beginning of year
 
$
12,659

 
$
17,933

 
$
17,712

Losses:
 
 
 
 
 
 
Commercial
 
390

 
723

 
1,273

Commercial real estate
 
 
 
 
 
 
Owner occupied
 
11

 
1,031

 
636

Non-owner occupied
 
—

 
9

 
806

Construction and development
 
 
 
 
 
 
Land and land development
 
3,535

 
3,596

 
3,390

Construction
 
—

 
—

 
367

Residential real estate
 
 
 
 
 
 
Non-jumbo
 
435

 
541

 
1,372

Jumbo
 
65

 
4,741

 
737

Home equity
 
14

 
77

 
5

Consumer
 
265

 
79

 
136

Other
 
118

 
162

 
95

Total
 
4,833

 
10,959

 
8,817

Recoveries:
 
 

 
 

 
 

Commercial
 
34

 
12

 
13

Commercial real estate
 
 
 
 
 
 
Owner occupied
 
40

 
8

 
33

Non-owner occupied
 
318

 
674

 
31

Construction and development
 
 
 
 
 
 
Land and land development
 
298

 
187

 
61

Construction
 
—

 
—

 
—

Real estate - mortgage
 
 
 
 
 
 
Non-jumbo
 
87

 
127

 
81

Jumbo
 
163

 
6

 
86

Home equity
 
4

 
5

 
61

Consumer
 
74

 
79

 
95

Other
 
73

 
87

 
77

Total
 
1,091

 
1,185

 
538

Net losses
 
3,742


9,774


8,279

Provision for loan losses
 
2,250

 
4,500

 
8,500

Balance, end of year
 
$
11,167


$
12,659


$
17,933
Allowance for Credit Losses on Financing Receivables
Activity in the allowance for loan losses by loan class during 2014 and 2013 is as follows:
 
2014
 
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

 
—

 
435

 
65

 
14

 
265

 
118

 
4,833

Recoveries
298

 
—

 
34

 
40

 
318

 
87

 
163

 
4

 
74

 
73

 
1,091

Provision
1,199

 
158

 
236

 
(71
)
 
357

 
(214
)
 
95

 
24

 
241

 
225

 
2,250

Ending balance
$
3,417

 
$
427

 
$
1,204

 
$
927

 
$
1,316

 
$
1,280

 
$
2,081

 
$
187

 
$
97

 
$
231

 
$
11,167

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Allowance related to:
 
 

 
 

 
 

 
 

 
 

 
 

 
 

 
 

 
 

 
 

Loans individually
evaluated for impairment
$
46

 
$
—

 
$
81

 
$
286

 
$
74

 
$
282

 
$
46

 
$
—

 
$
—

 
$
—

 
$
815

Loans collectively
evaluated for impairment
3,371

 
427

 
1,123

 
641

 
1,242

 
998

 
2,035

 
187

 
97

 
231

 
10,352

Total
$
3,417

 
$
427

 
$
1,204

 
$
927

 
$
1,316

 
$
1,280

 
$
2,081

 
$
187

 
$
97

 
$
231

 
$
11,167

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Loans
 

 
 

 
 

 
 

 
 

 
 

 
 

 
 

 
 

 
 

 
 

Loans individually
evaluated for impairment
$
14,308

 
$
—

 
$
495

 
$
10,807

 
$
6,507

 
$
6,927

 
$
8,480

 
$
808

 
$
84

 
$
—

 
$
48,416

Loans collectively
evaluated for impairment
53,573

 
28,591

 
88,095

 
146,976

 
310,629

 
213,144

 
44,399

 
66,307

 
19,372

 
11,507

 
$
982,593

Total
$
67,881

 
$
28,591

 
$
88,590

 
$
157,783

 
$
317,136

 
$
220,071

 
$
52,879

 
$
67,115

 
$
19,456

 
$
11,507

 
$
1,031,009


 
2013
 
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
$
5,220

 
$
138

 
$
783

 
$
1,387

 
$
3,269

 
$
2,616

 
$
3,942

 
$
425

 
$
131

 
$
22

 
$
17,933

Charge-offs
3,596

 
—

 
723

 
1,031

 
9

 
541

 
4,741

 
77

 
79

 
162

 
10,959

Recoveries
187

 
—

 
12

 
8

 
674

 
127

 
6

 
5

 
79

 
87

 
1,185

Provision
3,644

 
131

 
1,252

 
605

 
(3,293
)
 
(360
)
 
2,681

 
(180
)
 
(84
)
 
104

 
4,500

Ending balance
$
5,455

 
$
269

 
$
1,324

 
$
969

 
$
641

 
$
1,842

 
$
1,888

 
$
173

 
$
47

 
$
51

 
$
12,659

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Allowance related to:
 
 

 
 

 
 

 
 

 
 

 
 

 
 

 
 

 
 

 
 

Loans individually
evaluated for impairment
$
3,186

 
$
—

 
$
406

 
$
306

 
$
175

 
$
256

 
$
37

 
$
22

 
$
12

 
$
—

 
$
4,400

Loans collectively
evaluated for impairment
2,269

 
269

 
918

 
663

 
466

 
1,586

 
1,851

 
151

 
35

 
51

 
8,259

Total
$
5,455

 
$
269

 
$
1,324

 
$
969

 
$
641

 
$
1,842

 
$
1,888

 
$
173

 
$
47

 
$
51

 
$
12,659

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Loans
 

 
 

 
 

 
 

 
 

 
 

 
 

 
 

 
 

 
 

 
 

Loans individually
evaluated for impairment
$
25,269

 
$
—

 
$
2,023

 
$
12,550

 
$
5,832

 
$
6,082

 
$
8,768

 
$
212

 
$
47

 
$
—

 
$
60,783

Loans collectively
evaluated for impairment
46,184

 
15,155

 
86,329

 
137,068

 
274,958

 
206,864

 
44,638

 
54,632

 
19,842

 
3,276

 
$
888,946

Total
$
71,453

 
$
15,155

 
$
88,352

 
$
149,618

 
$
280,790

 
$
212,946

 
$
53,406

 
$
54,844

 
$
19,889

 
$
3,276

 
$
949,729