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Allowance For Loan Losses (Tables)
 12 Months Ended
Dec. 31, 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 years ended December 31, 2015, 2014, and 2013 is as follows:
Dollars in thousands
 
2015
 
2014
 
2013
 
 
 
 
 
 
 
Balance, beginning of year
 
$
11,167

 
$
12,659

 
$
17,933

Losses:
 
 
 
 
 
 
Commercial
 
77

 
390

 
723

Commercial real estate
 
 
 
 
 
 
Owner occupied
 
559

 
11

 
1,031

Non-owner occupied
 
178

 
—

 
9

Construction and development
 
 
 
 
 
 
Land and land development
 
457

 
3,535

 
3,596

Construction
 
—

 
—

 
—

Residential real estate
 
 
 
 
 
 
Non-jumbo
 
417

 
435

 
541

Jumbo
 
208

 
65

 
4,741

Home equity
 
76

 
14

 
77

Consumer
 
69

 
265

 
79

Other
 
110

 
118

 
162

Total
 
2,151

 
4,833

 
10,959

Recoveries:
 
 

 
 

 
 

Commercial
 
10

 
34

 
12

Commercial real estate
 
 
 
 
 
 
Owner occupied
 
290

 
40

 
8

Non-owner occupied
 
13

 
318

 
674

Construction and development
 
 
 
 
 
 
Land and land development
 
456

 
298

 
187

Construction
 
—

 
—

 
—

Real estate - mortgage
 
 
 
 
 
 
Non-jumbo
 
107

 
87

 
127

Jumbo
 
96

 
163

 
6

Home equity
 
3

 
4

 
5

Consumer
 
105

 
74

 
79

Other
 
126

 
73

 
87

Total
 
1,206

 
1,091

 
1,185

Net losses
 
945


3,742


9,774

Provision for loan losses
 
1,250

 
2,250

 
4,500

Balance, end of year
 
$
11,472


$
11,167


$
12,659
Allowance for Credit Losses on Financing Receivables
Activity in the allowance for loan losses by loan class during 2015 and 2014 is as follows:
 
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
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

 
417

 
208

 
76

 
69

 
110

 
2,151

Recoveries
456

 
—

 
10

 
290

 
13

 
107

 
96

 
3

 
105

 
126

 
1,206

Provision
(564
)
 
(412
)
 
(356
)
 
931

 
1,826

 
283

 
(376
)
 
139

 
(74
)
 
(147
)
 
1,250

Ending balance
$
2,852

 
$
15

 
$
781

 
$
1,589

 
$
2,977

 
$
1,253

 
$
1,593

 
$
253

 
$
59

 
$
100

 
$
11,472

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Allowance related to:
 
 

 
 

 
 

 
 

 
 

 
 

 
 

 
 

 
 

 
 

Loans individually
evaluated for impairment
$
85

 
$
—

 
$
—

 
$
45

 
$
386

 
$
225

 
$
35

 
$
—

 
$
—

 
$
—

 
$
776

Loans collectively
evaluated for impairment
2,767

 
15

 
781

 
1,544

 
2,591

 
1,028

 
1,558

 
253

 
59

 
100

 
10,696

Total
$
2,852

 
$
15

 
$
781

 
$
1,589

 
$
2,977

 
$
1,253

 
$
1,593

 
$
253

 
$
59

 
$
100

 
$
11,472

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Loans
 

 
 

 
 

 
 

 
 

 
 

 
 

 
 

 
 

 
 

 
 

Loans individually
evaluated for impairment
$
8,774

 
$
—

 
$
242

 
$
8,399

 
$
13,450

 
$
6,131

 
$
4,740

 
$
709

 
$
68

 
$
—

 
$
42,513

Loans collectively
evaluated for impairment
56,726

 
9,970

 
96,959

 
195,156

 
323,844

 
215,619

 
45,573

 
73,591

 
19,183

 
11,669

 
$
1,048,290

Total
$
65,500

 
$
9,970

 
$
97,201

 
$
203,555

 
$
337,294

 
$
221,750

 
$
50,313

 
$
74,300

 
$
19,251

 
$
11,669

 
$
1,090,803


 
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