Loans (Tables)

9 Months Ended

Sep. 30, 2015

Loans and Leases Receivable Disclosure [Abstract]

Loans are summarized as follows:



Dollars in thousands	September 30, 2015		December 31, 2014		September 30, 2014
Commercial	$	89,250	$	88,590	$	83,762
Commercial real estate
Owner-occupied	199,068		157,783		156,765
Non-owner occupied	336,550		317,136		314,577
Construction and development
Land and land development	66,164		67,881		61,088
Construction	8,419		28,591		27,239
Residential real estate
Non-jumbo	222,739		220,071		218,125
Jumbo	46,092		52,879		51,917
Home equity	73,652		67,115		64,256
Consumer	19,124		19,456		19,906
Other	12,518		11,507		6,753
Total loans, net of unearned fees	1,073,576		1,031,009		1,004,388
Less allowance for loan losses	11,228		11,167		11,041
Loans, net	$	1,062,348	$	1,019,842	$	993,347

Schedule of Contractual Aging of Recorded Investment In Past Due Loans By Class

The following table presents the contractual aging of the recorded investment in past due loans by class as of September 30, 2015 and 2014 and December 31, 2014.



	At September 30, 2015
	Past Due										> 90 days and Accruing
Dollars in thousands	30-59 days		60-89 days		> 90 days		Total		Current		> 90 days and Accruing
Commercial	$	42	$	41	$	623	$	706	$	88,544	$	—
Commercial real estate
Owner-occupied	961		—		436		1,397		197,671		—
Non-owner occupied	309		657		188		1,154		335,396		—
Construction and development
Land and land development	39		—		4,538		4,577		61,587		—
Construction	—		—		—		—		8,419		—
Residential mortgage
Non-jumbo	3,239		1,108		2,065		6,412		216,327		—
Jumbo	—		—		—		—		46,092		—
Home equity	165		209		27		401		73,251		—
Consumer	169		77		33		279		18,836		9
Other	—		—		—		—		12,518		—
Total	$	4,924	$	2,092	$	7,910	$	14,926	$	1,058,641	$	9



	At December 31, 2014
	Past Due										> 90 days and Accruing
Dollars in thousands	30-59 days		60-89 days		> 90 days		Total		Current		> 90 days and Accruing
Commercial	$	328	$	117	$	330	$	775	$	87,815	$	—
Commercial real estate
Owner-occupied	121		194		801		1,116		156,667		—
Non-owner occupied	146		—		406		552		316,584		—
Construction and development
Land and land development	346		2,002		4,253		6,601		61,280		—
Construction	—		—		—		—		28,591		—
Residential mortgage
Non-jumbo	4,104		2,719		1,498		8,321		211,750		—
Jumbo	—		—		2,626		2,626		50,253		—
Home equity	1,067		94		83		1,244		65,871		—
Consumer	260		42		63		365		19,091		—
Other	—		—		—		—		11,507		—
Total	$	6,372	$	5,168	$	10,060	$	21,600	$	1,009,409	$	—



	At September 30, 2014
	Past Due										> 90 days and Accruing
Dollars in thousands	30-59 days		60-89 days		> 90 days		Total		Current		> 90 days and Accruing
Commercial	$	74	$	179	$	259	$	512	$	83,250	$	—
Commercial real estate
Owner-occupied	365		442		478		1,285		155,480		—
Non-owner occupied	288		—		120		408		314,169		—
Construction and development
Land and land development	388		10		4,214		4,612		56,476		—
Construction	—		—		—		—		27,239		—
Residential mortgage
Non-jumbo	3,381		555		2,921		6,857		211,268		—
Jumbo	—		1,181		1,435		2,616		49,301		—
Home equity	190		113		29		332		63,924		—
Consumer	350		196		46		592		19,314		—
Other	—		—		—		—		6,753		—
Total	$	5,036	$	2,676	$	9,502	$	17,214	$	987,174	$	—

Schedule of Financing Receivables, Non Accrual Status

The following table presents the nonaccrual loans included in the net balance of loans at September 30, 2015, December 31, 2014 and September 30, 2014.



	September 30,				December 31,
Dollars in thousands	2015		2014		2014
Commercial	$	884	$	309	$	392
Commercial real estate
Owner-occupied	437		593		1,218
Non-owner occupied	4,858		344		626
Construction and development
Land & land development	5,346		4,591		4,619
Construction	—		—		—
Residential mortgage
Non-jumbo	3,689		3,602		2,663
Jumbo	—		1,435		2,626
Home equity	191		220		267
Consumer	44		146		83
Total	$	15,449	$	11,240	$	12,494

Schedule of Method Used to Measure Impairment of Impaired Loans

The table below sets forth information about our impaired loans.



Method Used to Measure Impairment of Impaired Loans
Dollars in thousands
	September 30,				December 31,		Method used to measure impairment
Loan Category	2015		2014		2014		Method used to measure impairment
Commercial	$	41	$	51	$	132	Fair value of collateral
	269		403		362		Discounted cash flow
Commercial real estate
Owner-occupied	795		1,257		1,683		Fair value of collateral
	7,646		9,181		9,124		Discounted cash flow
Non-owner occupied	5,924		512		508		Fair value of collateral
	7,775		7,358		5,999		Discounted cash flow
Construction and development
Land & land development	10,047		12,934		11,998		Fair value of collateral
	2,257		1,479		2,310		Discounted cash flow
Residential mortgage
Non-jumbo	1,730		1,548		1,676		Fair value of collateral
	4,375		4,980		5,252		Discounted cash flow
Jumbo	3,792		7,791		7,594		Fair value of collateral
	876		890		886		Discounted cash flow
Home equity	186		285		285		Fair value of collateral
	523		523		523		Discounted cash flow
Consumer	2		3		2		Fair value of collateral
	68		32		82		Discounted cash flow
Total	$	46,306	$	49,227	$	48,416

Impaired Financing Receivables

The following tables present loans individually evaluated for impairment at September 30, 2015, December 31, 2014 and September 30, 2014.



	September 30, 2015
Dollars in thousands	Recorded Investment		Unpaid Principal Balance		Related Allowance		Average Impaired Balance		Interest Income Recognized while impaired

Without a related allowance
Commercial	$	310	$	310	$	—	$	345	$	63
Commercial real estate
Owner-occupied	5,420		5,421		—		5,450		586
Non-owner occupied	11,635		11,636		—		10,362		988
Construction and development
Land & land development	12,136		12,304		—		11,282		908
Construction	—		—		—		—		—
Residential real estate
Non-jumbo	3,399		3,408		—		3,930		462
Jumbo	3,794		3,792		—		3,820		554
Home equity	710		709		—		709		93
Consumer	70		70		—		75		21
Total without a related allowance	$	37,474	$	37,650	$	—	$	35,973	$	3,675

With a related allowance
Commercial	$	—	$	—	$	—	$	—	$	—
Commercial real estate
Owner-occupied	3,019		3,020		46		3,005		409
Non-owner occupied	2,063		2,063		190		2,074		244
Construction and development
Land & land development	—		—		—		—		—
Construction	—		—		—		—		—
Residential real estate
Non-jumbo	2,695		2,697		251		2,714		348
Jumbo	876		876		37		880		134
Home equity	—		—		—		—		—
Consumer	—		—		—		—		—
Total with a related allowance	$	8,653	$	8,656	$	524	$	8,673	$	1,135

Total
Commercial	$	34,583	$	34,754	$	236	$	32,518	$	3,198
Residential real estate	11,474		11,482		288		12,053		1,591
Consumer	70		70		—		75		21
Total	$	46,127	$	46,306	$	524	$	44,646	$	4,810



	December 31, 2014
Dollars in thousands	Recorded Investment		Unpaid Principal Balance		Related Allowance		Average Impaired Balance		Interest Income Recognized while impaired

Without a related allowance
Commercial	$	370	$	369	$	—	$	430	$	27
Commercial real estate
Owner-occupied	5,362		5,361		—		5,309		192
Non-owner occupied	3,645		3,647		—		4,420		199
Construction and development
Land & land development	13,410		13,410		—		14,149		483
Construction	—		—		—		—		—
Residential real estate
Non-jumbo	4,289		4,300		—		3,853		185
Jumbo	7,589		7,594		—		7,761		241
Home equity	809		808		—		265		14
Consumer	84		84		—		36		2
Total without a related allowance	$	35,558	$	35,573	$	—	$	36,223	$	1,343

With a related allowance
Commercial	$	125	$	125	$	81	$	38	$	—
Commercial real estate
Owner-occupied	5,446		5,446		287		5,461		216
Non-owner occupied	2,860		2,860		74		1,003		40
Construction and development
Land & land development	898		898		46		933		42
Construction	—		—		—		—		—
Residential real estate
Non-jumbo	2,627		2,628		282		2,093		98
Jumbo	885		886		46		892		45
Home equity	—		—		—		—		—
Consumer	—		—		—		—		—
Total with a related allowance	$	12,841	$	12,843	$	816	$	10,420	$	441

Total
Commercial	$	32,116	$	32,116	$	488	$	31,743	$	1,199
Residential real estate	16,199		16,216		328		14,864		583
Consumer	84		84		—		36		2
Total	$	48,399	$	48,416	$	816	$	46,643	$	1,784



	September 30, 2014
Dollars in thousands	Recorded Investment		Unpaid Principal Balance		Related Allowance		Average Impaired Balance		Interest Income Recognized while impaired

Without a related allowance
Commercial	$	403	$	403	$	—	$	409	$	26
Commercial real estate
Owner-occupied	5,808		5,807		—		5,879		211
Non-owner occupied	4,989		4,991		—		5,014		248
Construction and development
Land & land development	13,597		13,596		—		14,099		478
Construction	—		—		—		—		—
Residential real estate
Non-jumbo	4,284		4,294		—		3,631		175
Jumbo	7,786		7,791		—		7,817		310
Home equity	808		808		—		186		11
Consumer	35		35		—		38		2
Total without a related allowance	$	37,710	$	37,725	$	—	$	37,073	$	1,461

With a related allowance
Commercial	$	50	$	51	$	7	$	12	$	1
Commercial real estate
Owner-occupied	4,631		4,631		256		4,618		214
Non-owner occupied	2,879		2,879		87		733		28
Construction and development
Land & land development	817		817		10		865		38
Construction	—		—		—		—		—
Residential real estate
Non-jumbo	2,234		2,234		201		2,076		99
Jumbo	890		890		49		893		45
Home equity	—		—		—		—		—
Consumer	—		—		—		—		—
Total with a related allowance	$	11,501	$	11,502	$	610	$	9,197	$	425

Total
Commercial	$	33,174	$	33,175	$	360	$	31,629	$	1,244
Residential real estate	16,002		16,017		250		14,603		640
Consumer	35		35		—		38		2
Total	$	49,211	$	49,227	$	610	$	46,270	$	1,886

Troubled Debt Restructurings on Financing Receivables [Table Text Block]



	For the Three Months Ended September 30, 2015					For the Three Months Ended September 30, 2014
Dollars in thousands	Number of Modifications	Pre-modification Recorded Investment		Post-modification Recorded Investment		Number of Modifications	Pre-modification Recorded Investment		Post-modification Recorded Investment
Commercial	—	$	—	$	—	—	$	—	$	—
Commercial real estate
Owner-occupied	—	—		—		—	—		—
Non-owner occupied	—	—		—		1	2,154		2,154
Construction and development
Land & land development	1	1,182		1,182		—	—		—
Construction	—	—		—		—	—		—
Residential real estate
Non-jumbo	—	—		—		3	634		670
Jumbo	—	—		—		—	—		—
Home equity	—	—		—		1	411		523
Consumer	—	—		—		—	—		—
Total	1	$	1,182	$	1,182	5	$	3,199	$	3,347



	For the Nine Months Ended September 30, 2015					For the Nine Months Ended September 30, 2014
Dollars in thousands	Number of Modifications	Pre-modification Recorded Investment		Post-modification Recorded Investment		Number of Modifications	Pre-modification Recorded Investment		Post-modification Recorded Investment
Commercial	—	$	—	$	—	3	$	82	$	86
Commercial real estate
Owner-occupied	—	—		—		—	—		—
Non-owner occupied	—	—		—		1	2,154		2,154
Construction and development
Land & land development	1	1,182		1,182		—	—		—
Construction	—	—		—		—	—		—
Residential real estate
Non-jumbo	—	—		—		3	634		670
Jumbo	—	—		—		—	—		—
Home equity	—	—		—		1	411		523
Consumer	—	—		—		—	—		—
Total	1	$	1,182	$	1,182	8	$	3,281	$	3,433

Schedule of Defaults During Stated Period of Trouble Debt Restructurings

For purposes of these tables, a default is considered as either the loan was past due 30 days or more at any time during the period, or the loan was fully or partially charged off during the period.



	For the Three Months Ended September 30, 2015			For the Nine Months Ended September 30, 2015
Dollars in thousands	Number of Defaults	Recorded Investment at Default Date		Number of Defaults	Recorded Investment at Default Date
Commercial	—	$	—	—	$	—
Commercial real estate
Owner-occupied	—	—		—	—
Non-owner occupied	—	—		—	—
Construction and development
Land & land development	—	—		—	—
Construction	—	—		—	—
Residential real estate
Non-jumbo	—	—		—	—
Jumbo	—	—		—	—
Home equity	—	—		—	—
Consumer	1	17		1	17
Total	1	$	17	1	$	17

Schedule of the Activity Regarding TDRs by Loan Type

The following table details the activity regarding TDRs by loan type for the three months and nine months ended September 30, 2015, and the related allowance on TDRs.



For the Three Months Ended September 30, 2015
	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
Troubled debt restructurings
Balance July 1, 2015	$	3,331		$	—	$	343		$	9,379		$	6,140		$	5,684		$	4,700		$	523	$	42		$	—	$	30,142
Additions	1,182			—		—			—			—			—			—			—		—			—		1,182
Charge-offs	—			—		—			—			—			—			—			—		—			—		—
Net (paydowns) advances	(155		)	—		(33		)	(13		)	(42		)	(34		)	(32		)	—		(3		)	—		(312		)
Transfer into foreclosed properties	—			—		—			—			—			—			—			—		—			—		—
Refinance out of TDR status	—			—		—			—			—			—			—			—		—			—		—
Balance, September 30, 2015	$	4,358		$	—	$	310		$	9,366		$	6,098		$	5,650		$	4,668		$	523	$	39		$	—	$	31,012

Allowance related to troubled debt restructurings	$	—		$	—	$	—		$	196		$	14		$	251		$	37		$	—	$	—		$	—	$	498



For the Nine Months Ended September 30, 2015
	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
Troubled debt restructurings
Balance January 1, 2015	$	5,786		$	—	$	410		$	9,501		$	6,219		$	6,245		$	5,937		$	523	$	50		$	—	$	34,671
Additions	1,182			—		—			—			—			—			—			—		—			—		1,182
Charge-offs	(168		)	—		—			—			—			—			—			—		—			—		(168		)
Net (paydowns) advances	(2,442		)	—		(100		)	(135		)	(121		)	(595		)	(1,269		)	—		(11		)	—		(4,673		)
Transfer into OREO	—			—		—			—			—			—			—			—		—			—		—
Refinance out of TDR status	—			—		—			—			—			—			—			—		—			—		—
Balance, September 30, 2015	$	4,358		$	—	$	310		$	9,366		$	6,098		$	5,650		$	4,668		$	523	$	39		$	—	$	31,012

Allowance related to troubled debt restructurings	$	—		$	—	$	—		$	196		$	14		$	251		$	37		$	—	$	—		$	—	$	498

Financing Receivable Credit Quality Indicators

The following table presents the recorded investment in construction and development, commercial, and commercial real estate loans which are generally evaluated based upon the internal risk ratings defined above.



Loan Risk Profile by Internal Risk Rating
	Construction and Development												Commercial Real Estate
	Land and Land Development				Construction				Commercial				Owner Occupied				Non-Owner Occupied
Dollars in thousands	9/30/2015		12/31/2014		9/30/2015		12/31/2014		9/30/2015		12/31/2014		9/30/2015		12/31/2014		9/30/2015		12/31/2014
Pass	$	54,543	$	53,873	$	8,419	$	28,591	$	87,125	$	86,361	$	197,716	$	155,189	$	328,891	$	306,710
OLEM (Special Mention)	1,422		1,673		—		—		1,366		1,837		557		1,064		1,629		8,933
Substandard	10,199		12,335		—		—		759		392		795		1,530		6,030		1,493
Doubtful	—		—		—		—		—		—		—		—		—		—
Loss	—		—		—		—		—		—		—		—		—		—
Total	$	66,164	$	67,881	$	8,419	$	28,591	$	89,250	$	88,590	$	199,068	$	157,783	$	336,550	$	317,136

Schedule of Recorded Investment Evaluated Based on Aging Status of Loans and Payment Activity

The following table presents the recorded investment in consumer, residential real estate, and home equity loans, which are generally evaluated based on the aging status of the loans, which was previously presented, and payment activity.



	Performing						Nonperforming
Dollars in thousands	9/30/2015		12/31/2014		9/30/2014		9/30/2015		12/31/2014		9/30/2014
Residential real estate
Non-jumbo	$	219,050	$	217,408	$	214,523	$	3,689	$	2,663	$	3,602
Jumbo	46,092		50,253		50,482		—		2,626		1,435
Home Equity	73,461		66,848		64,037		191		267		219
Consumer	19,071		19,373		19,760		53		83		146
Other	12,518		11,507		6,753		—		—		—
Total	$	370,192	$	365,389	$	355,555	$	3,933	$	5,639	$	5,402