Allowance For Loan Losses (Tables)

9 Months Ended

Sep. 30, 2015

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, 2015 and 2014, and for the year ended December 31, 2014 is as follows:

	Nine Months Ended   September 30,				Year Ended   December 31,
Dollars in thousands	2015		2014		2014
Balance, beginning of year	$	11,167	$	12,659	$	12,659
Losses:
Commercial	77		390		390
Commercial real estate
Owner occupied	559		11		11
Non-owner occupied	178		—		—
Construction and development
Land and land development	457		3,535		3,535
Construction	—		—		—
Residential real estate
Non-jumbo	316		280		435
Jumbo	206		65		65
Home equity	76		—		14
Consumer	62		119		265
Other	88		71		118
Total	2,019		4,471		4,833
Recoveries:
Commercial	6		19		34
Commercial real estate
Owner occupied	282		38		40
Non-owner occupied	6		12		318
Construction and development
Land and land development	454		177		298
Construction	—		—		—
Real estate - mortgage
Non-jumbo	90		71		87
Jumbo	96		163		163
Home equity	3		3		4
Consumer	88		63		74
Other	55		57		73
Total	1,080		603		1,091
Net losses	939		3,868		3,742
Provision for loan losses	1,000		2,250		2,250
Balance, end of period	$	11,228	$	11,041	$	11,167

Allowance for Credit Losses on Financing Receivables

Activity in the allowance for loan losses by loan class during the first nine months of 2015 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	$	3,417		$	427		$	1,204		$	927	$	1,316	$	1,280	$	2,081		$	187	$	97		$	231		$	11,167
Charge-offs	457			—			77			559		178		316		206			76		62			88			2,019
Recoveries	454			—			6			282		6		90		96			3		88			55			1,080
Provision	(1,127		)	(414		)	(137		)	1,115		1,629		236		(363		)	149		(49		)	(39		)	1,000
Ending balance	$	2,287		$	13		$	996		$	1,765	$	2,773	$	1,290	$	1,608		$	263	$	74		$	159		$	11,228
Allowance related to:
Loans individually evaluated for impairment	$	—		$	—		$	—		$	46	$	190	$	251	$	37		$	—	$	—		$	—		$	524
Loans collectively evaluated for impairment	2,287			13			996			1,719		2,583		1,039		1,571			263		74			159			10,704
Total	$	2,287		$	13		$	996		$	1,765	$	2,773	$	1,290	$	1,608		$	263	$	74		$	159		$	11,228
Loans
Loans individually evaluated for impairment	$	12,304		$	—		$	310		$	8,440	$	13,699	$	6,105	$	4,668		$	709	$	70		$	—		$	46,305
Loans collectively evaluated for impairment	53,860			8,419			88,940			190,628		322,851		216,634		41,424			72,943		19,054			12,518			$	1,027,271
Total	$	66,164		$	8,419		$	89,250		$	199,068	$	336,550	$	222,739	$	46,092		$	73,652	$	19,124		$	12,518		$	1,073,576