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Loans (Tables)
 12 Months Ended
Dec. 31, 2015
Loans and Leases Receivable Disclosure [Abstract]  
Summary Of Loans, Net Of Unearned Fees
Loans are summarized as follows:
Dollars in thousands
 
2015
 
2014
Commercial
 
$
97,201

 
$
88,590

Commercial real estate
 
 

 
 

Owner-occupied
 
203,555

 
157,783

Non-owner occupied
 
337,294

 
317,136

Construction and development
 
 

 
 

Land and land development
 
65,500

 
67,881

Construction
 
9,970

 
28,591

Residential real estate
 
 

 
 

Non-jumbo
 
221,750

 
220,071

Jumbo
 
50,313

 
52,879

Home equity
 
74,300

 
67,115

Consumer
 
19,251

 
19,456

Other
 
11,669

 
11,507

Total loans, net of unearned fees
 
1,090,803

 
1,031,009

Less allowance for loan losses
 
11,472

 
11,167

Loans, net
 
$
1,079,331

 
$
1,019,842
Schedule Of Loan Maturities
The following presents loan maturities at December 31, 2015:
 
Within
 
After 1 but
 
After
Dollars in thousands
1 Year
 
within 5 Years
 
5 Years
Commercial
$
39,542

 
$
39,968

 
$
17,691

Commercial real estate
16,623

 
56,690

 
467,536

Construction and development
35,419

 
8,811

 
31,239

Residential real estate
7,669

 
15,344

 
323,350

Consumer
3,893

 
12,522

 
2,836

Other
669

 
1,312

 
9,689

 
$
103,815

 
$
134,647

 
$
852,341

Loans due after one year with:
 

 
 

 
 

Variable rates
 

 
$
138,002

 
 

Fixed rates
 

 
848,986

 
 

 
 

 
$
986,988

 
 
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 December 31, 2015 and 2014.
 
At December 31, 2015
 
Past Due
 
 
 
> 90 days and Accruing
Dollars in thousands
30-59 days
 
60-89 days
 
> 90 days
 
Total
 
Current
 
Commercial
$
345

 
$
26

 
$
632

 
$
1,003

 
$
96,198

 
$
—

Commercial real estate
 

 
 

 
 

 
 

 
 

 
 

Owner-occupied
158

 
386

 
437

 
981

 
202,574

 
—

Non-owner occupied
1

 
—

 
856

 
857

 
336,437

 
—

Construction and development
 

 
 

 
 

 
 

 
 

 
 

Land and land development
1,182

 
194

 
4,547

 
5,923

 
59,577

 
—

Construction
—

 
—

 
—

 
—

 
9,970

 
—

Residential mortgage
 

 
 

 
 

 
 

 
 

 
 

Non-jumbo
2,276

 
2,647

 
1,591

 
6,514

 
215,236

 
—

Jumbo
—

 
—

 
—

 
—

 
50,313

 
—

Home equity
374

 
172

 
100

 
646

 
73,654

 
—

Consumer
155

 
41

 
92

 
288

 
18,963

 
9

Other
—

 
—

 
—

 
—

 
11,669

 
—

Total
$
4,491

 
$
3,466

 
$
8,255

 
$
16,212

 
$
1,074,591

 
$
9

 
 
At December 31, 2014
 
Past Due
 
 
 
> 90 days and Accruing
Dollars in thousands
30-59 days
 
60-89 days
 
> 90 days
 
Total
 
Current
 
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

 
$
—
Schedule of Financing Receivables, Non Accrual Status
Nonaccrual loans:  The following table presents the nonaccrual loans included in the net balance of loans at December 31, 2015 and 2014.
Dollars in thousands
 
2015
 
2014
Commercial
 
$
853

 
$
392

Commercial real estate
 
 

 
 

Owner-occupied
 
437

 
1,218

Non-owner occupied
 
5,518

 
626

Construction and development
 
 

 
 

Land & land development
 
5,623

 
4,619

Construction
 
—

 
—

Residential mortgage
 
 

 
 

Non-jumbo
 
2,987

 
2,663

Jumbo
 
—

 
2,626

Home equity
 
258

 
267

Consumer
 
83

 
83

Total
 
$
15,759

 
$
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
 
 
 
 
 
 
December 31,
 
Method used to measure impairment
Loan Category
2015
 
2014
 
Commercial
$
41

 
$
132

 
Fair value of collateral
 
201

 
362

 
Discounted cash flow
Commercial real estate
 

 
 

 
 
Owner-occupied
783

 
1,683

 
Fair value of collateral
 
7,616

 
9,124

 
Discounted cash flow
Non-owner occupied
5,728

 
508

 
Fair value of collateral
 
7,722

 
5,999

 
Discounted cash flow
Construction and development
 
 
 
 
 
Land & land development
6,597

 
11,998

 
Fair value of collateral
 
2,177

 
2,310

 
Discounted cash flow
Residential mortgage
 

 
 
 
 
Non-jumbo
1,753

 
1,676

 
Fair value of collateral
 
4,378

 
5,252

 
Discounted cash flow
Jumbo
3,869

 
7,594

 
Fair value of collateral
 
871

 
886

 
Discounted cash flow
Home equity
186

 
285

 
Fair value of collateral
 
523

 
523

 
Discounted cash flow
Consumer
—

 
2

 
Fair value of collateral
 
68

 
82

 
Discounted cash flow
Total
$
42,513

 
$
48,416

 
 
Impaired Financing Receivables
The following tables present loans individually evaluated for impairment at December 31, 2015 and 2014.
 
December 31, 2015
Dollars in thousands
Recorded
Investment
 
Unpaid
Principal Balance
 
Related
Allowance
 
Average
Impaired
Balance
 
Interest Income
Recognized
while impaired
 
 
 
 
 
 
 
 
 
 
Without a related allowance
 
 
 
 
 
 
 
 
 
Commercial
$
242

 
$
242

 
$
—

 
$
319

 
$
17

Commercial real estate
 

 
 

 
 

 
 

 
 

Owner-occupied
5,401

 
5,402

 
—

 
5,438

 
191

Non-owner occupied
10,740

 
10,741

 
—

 
9,982

 
310

Construction and development
 

 
 

 
 

 
 

 
 

Land & land development
7,635

 
7,635

 
—

 
9,497

 
263

Construction
—

 
—

 
—

 
—

 
—

Residential real estate
 

 
 

 
 

 
 

 
 

Non-jumbo
3,590

 
3,600

 
—

 
3,316

 
160

Jumbo
3,871

 
3,869

 
—

 
4,412

 
181

Home equity
709

 
709

 
—

 
709

 
32

Consumer
68

 
68

 
—

 
72

 
6

Total without a related allowance
$
32,256

 
$
32,266

 
$
—

 
$
33,745

 
$
1,160

 
 
 
 
 
 
 
 
 
 
With a related allowance
 

 
 

 
 

 
 

 
 

Commercial
$
—

 
$
—

 
$
—

 
$
—

 
$
—

Commercial real estate
 

 
 

 
 

 
 
 
 

Owner-occupied
2,997

 
2,997

 
45

 
3,003

 
135

Non-owner occupied
2,709

 
2,709

 
386

 
2,728

 
72

Construction and development
 

 
 

 
 

 
 

 
 

Land & land development
1,139

 
1,139

 
85

 
1,154

 
—

Construction
—

 
—

 
—

 
—

 
—

Residential real estate
 

 
 

 
 

 
 

 
 

Non-jumbo
2,530

 
2,531

 
226

 
2,552

 
114

Jumbo
871

 
871

 
34

 
878

 
43

Home equity
—

 
—

 
—

 
—

 
—

Consumer
—

 
—

 
—

 
—

 
—

Total with a related allowance
$
10,246

 
$
10,247

 
$
776

 
$
10,315

 
$
364

 
 
 
 
 
 
 
 
 
 
Total
 

 
 

 
 

 
 

 
 

Commercial
$
30,863

 
$
30,865

 
$
516

 
$
32,121

 
$
988

Residential real estate
11,571

 
11,580

 
260

 
11,867

 
530

Consumer
68

 
68

 
—

 
72

 
6

Total
$
42,502

 
$
42,513

 
$
776

 
$
44,060

 
$
1,524






 
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
Troubled Debt Restructurings on Financing Receivables
All TDRs are evaluated individually for allowance for loan loss purposes.
 
2015
 
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
 
 
 
 
 
 
 
 
 
 
 
Non-owner occupied
—

 
—

 
—

 
1

 
2,154

 
2,154

Construction and development
 
 
 
 
 
 
 
 
 
 
 
Land & land development
1

 
1,182

 
1,182

 
—

 
—

 
—

Residential real estate
 
 
 
 
 
 
 
 
 
 
 
Non-jumbo
1

 
25

 
25

 
5

 
1,044

 
1,080

Home equity
—

 
—

 
—

 
1

 
411

 
523

Consumer
1

 
2

 
2

 
1

 
18

 
18

Total
3

 
$
1,209

 
$
1,209

 
11

 
$
3,709

 
$
3,861
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. 
 
2015
 
2014
Dollars in thousands
Number
of
Defaults
 
Recorded
Investment
at Default Date
 
Number
of
Defaults
 
Recorded
Investment
at Default Date
Commercial
—

 
$
—

 
3

 
$
86

Construction and development

 


 


 


Land & land development
1

 
1,182

 
—

 
—

Residential real estate


 


 


 


Non-jumbo
—

 
—

 
1

 
167

Total
1

 
$
1,182

 
4

 
$
253
Schedule of the Activity Regarding TDRs by Loan Type
The following table details the activity regarding TDRs by loan type during 2015, and the related allowance on TDRs.
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

 
$
85

 
$
—

 
$
34,706

Additions
1,182

 
—

 
—

 
—

 
—

 
25

 
—

 
—

 
2

 
—

 
1,209

Charge-offs
(168
)
 
—

 
—

 
—

 
—

 
—

 
—

 
—

 
—

 
—

 
(168
)
Net (paydowns) advances
(2,611
)
 
—

 
(168
)
 
(187
)
 
(160
)
 
(774
)
 
(1,302
)
 
—

 
(20
)
 
—

 
(5,222
)
Transfer into foreclosed properties
—

 
—

 
—

 
—

 
—

 
—

 
—

 
—

 
—

 
—

 
—

Refinance out of TDR status
—

 
—

 
—

 
—

 
—

 
—

 
—

 
—

 
—

 
—

 
—

Balance, December 31, 2015
$
4,189

 
$
—

 
$
242

 
$
9,314

 
$
6,059

 
$
5,496

 
$
4,635

 
$
523

 
$
67

 
$
—

 
$
30,525

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Allowance related to troubled debt restructurings
$
—

 
$
—

 
$
—

 
$
190

 
$
12

 
$
226

 
$
35

 
$
—

 
$
—

 
$
—

 
$
463
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
2015
 
2014
 
2015
 
2014
 
2015
 
2014
 
2015
 
2014
 
2015
 
2014
Pass
$
57,155

 
$
53,873

 
$
9,970

 
$
28,591

 
$
95,174

 
$
86,361

 
$
202,226

 
$
155,189

 
$
329,861

 
$
306,710

OLEM (Special Mention)
1,598

 
1,673

 
—

 
—

 
1,295

 
1,837

 
546

 
1,064

 
1,602

 
8,933

Substandard
6,747

 
12,335

 
—

 
—

 
732

 
392

 
783

 
1,530

 
5,831

 
1,493

Doubtful
—

 
—

 
—

 
—

 
—

 
—

 
—

 
—

 
—

 
—

Loss
—

 
—

 
—

 
—

 
—

 
—

 
—

 
—

 
—

 
—

Total
$
65,500

 
$
67,881

 
$
9,970

 
$
28,591

 
$
97,201

 
$
88,590

 
$
203,555

 
$
157,783

 
$
337,294

 
$
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
2015
 
2014
 
2015
 
2014
Residential real estate
 
 
 
 
 
 
 
Non-jumbo
$
218,763

 
$
217,408

 
$
2,987

 
$
2,663

Jumbo
50,313

 
50,253

 
—

 
2,626

Home Equity
74,042

 
66,848

 
258

 
267

Consumer
19,149

 
19,373

 
102

 
83

Other
11,669

 
11,507

 
—

 
—

Total
$
373,936

 
$
365,389

 
$
3,347

 
$
5,639
Schedule of Related Party Loans Aggregating $60,000 or More
The following presents the activity with respect to related party loans aggregating $60,000 or more to any one related party (other changes represent additions to and changes in director and executive officer status):
Dollars in thousands
2015
 
2014
Balance, beginning
$
20,586

 
$
18,577

Additions
11,095

 
13,842

Amounts collected
(6,142
)
 
(11,833
)
Other changes, net
(2,565
)
 
—

Balance, ending
$
22,974

 
$
20,586