Loans (Tables)

3 Months Ended

Mar. 31, 2016

Loans and Leases Receivable Disclosure [Abstract]

Loans are summarized as follows:



Dollars in thousands	March 31, 2016		December 31, 2015		March 31, 2015
Commercial	$	101,742	$	97,201	$	89,928
Commercial real estate
Owner-occupied	202,680		203,555		180,269
Non-owner occupied	353,351		337,294		325,764
Construction and development
Land and land development	66,483		65,500		66,558
Construction	7,997		9,970		19,094
Residential real estate
Non-jumbo	221,368		221,750		219,938
Jumbo	50,057		50,313		50,492
Home equity	74,097		74,300		68,894
Consumer	19,095		19,251		18,485
Other	11,235		11,669		11,074
Total loans, net of unearned fees	1,108,105		1,090,803		1,050,496
Less allowance for loan losses	11,315		11,472		10,827
Loans, net	$	1,096,790	$	1,079,331	$	1,039,669

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 March 31, 2016 and 2015 and December 31, 2015.



	At March 31, 2016
	Past Due										> 90 days and Accruing
Dollars in thousands	30-59 days		60-89 days		> 90 days		Total		Current		> 90 days and Accruing
Commercial	$	39	$	468	$	179	$	686	$	101,056	$	—
Commercial real estate
Owner-occupied	272		497		822		1,591		201,089		—
Non-owner occupied	153		—		749		902		352,449		—
Construction and development
Land and land development	178		41		4,739		4,958		61,525		—
Construction	—		—		—		—		7,997		—
Residential mortgage
Non-jumbo	2,555		832		1,906		5,293		216,075		—
Jumbo	—		—		—		—		50,057		—
Home equity	—		453		71		524		73,573		—
Consumer	70		21		117		208		18,887		—
Other	—		—		—		—		11,235		—
Total	$	3,267	$	2,312	$	8,583	$	14,162	$	1,093,943	$	—



	At December 31, 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	$	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 March 31, 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	$	388	$	—	$	744	$	1,132	$	88,796	$	—
Commercial real estate
Owner-occupied	119		—		629		748		179,521		—
Non-owner occupied	664		—		406		1,070		324,694		—
Construction and development
Land and land development	1,376		1,361		4,980		7,717		58,841		—
Construction	—		—		—		—		19,094		—
Residential mortgage
Non-jumbo	2,891		1,090		1,888		5,869		214,069		—
Jumbo	—		—		713		713		49,779		—
Home equity	395		—		172		567		68,327		—
Consumer	139		62		22		223		18,262		—
Other	—		—		—		—		11,074		—
Total	$	5,972	$	2,513	$	9,554	$	18,039	$	1,032,457	$	—

Schedule of Financing Receivables, Non Accrual Status

The following table presents the nonaccrual loans included in the net balance of loans at March 31, 2016, December 31, 2015 and March 31, 2015.



	March 31,				December 31,
Dollars in thousands	2016		2015		2015
Commercial	$	430	$	788	$	853
Commercial real estate
Owner-occupied	822		934		437
Non-owner occupied	5,318		406		5,518
Construction and development
Land & land development	5,467		5,333		5,623
Construction	—		—		—
Residential mortgage
Non-jumbo	3,023		3,429		2,987
Jumbo	—		713		—
Home equity	225		349		258
Consumer	121		65		83
Total	$	15,406	$	12,017	$	15,759

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
	March 31,				December 31,		Method used to measure impairment
Loan Category	2016		2015		2015		Method used to measure impairment
Commercial	$	36	$	44	$	41	Fair value of collateral
	164		337		201		Discounted cash flow
Commercial real estate
Owner-occupied	1,271		5,665		783		Fair value of collateral
	7,104		9,056		7,616		Discounted cash flow
Non-owner occupied	5,529		1,633		5,728		Fair value of collateral
	7,665		6,184		7,722		Discounted cash flow
Construction and development
Land & land development	6,444		11,733		6,597		Fair value of collateral
	2,160		2,286		2,177		Discounted cash flow
Residential mortgage
Non-jumbo	1,800		1,719		1,753		Fair value of collateral
	4,608		4,677		4,378		Discounted cash flow
Jumbo	3,739		5,672		3,869		Fair value of collateral
	868		884		871		Discounted cash flow
Home equity	186		186		186		Fair value of collateral
	523		523		523		Discounted cash flow
Consumer	—		2		—		Fair value of collateral
	62		78		68		Discounted cash flow
Total	$	42,159	$	50,679	$	42,513

Impaired Financing Receivables

The following tables present loans individually evaluated for impairment at March 31, 2016, December 31, 2015 and March 31, 2015.



	March 31, 2016
Dollars in thousands	Recorded Investment		Unpaid Principal Balance		Related Allowance		Average Impaired Balance		Interest Income Recognized while impaired

Without a related allowance
Commercial	$	200	$	200	$	—	$	200	$	9
Commercial real estate
Owner-occupied	5,446		5,446		—		5,446		211
Non-owner occupied	11,352		11,353		—		11,353		299
Construction and development
Land & land development	7,451		7,452		—		7,452		163
Construction	—		—		—		—		—
Residential real estate
Non-jumbo	4,060		4,071		—		3,824		169
Jumbo	3,740		3,739		—		3,739		178
Home equity	710		709		—		709		32
Consumer	62		62		—		62		5
Total without a related allowance	$	33,021	$	33,032	$	—	$	32,785	$	1,066

With a related allowance
Commercial	$	—	$	—	$	—	$	—	$	—
Commercial real estate
Owner-occupied	2,929		2,929		89		2,929		112
Non-owner occupied	1,841		1,841		151		1,841		71
Construction and development
Land & land development	1,152		1,152		139		1,152		—
Construction	—		—		—		—		—
Residential real estate
Non-jumbo	2,337		2,337		187		2,337		112
Jumbo	867		868		31		868		43
Home equity	—		—		—		—		—
Consumer	—		—		—		—		—
Total with a related allowance	$	9,126	$	9,127	$	597	$	9,127	$	338

Total
Commercial	$	30,371	$	30,373	$	379	$	30,373	$	865
Residential real estate	11,714		11,724		218		11,477		534
Consumer	62		62		—		62		5
Total	$	42,147	$	42,159	$	597	$	41,912	$	1,404



	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



	March 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	$	381	$	381	$	—	$	381	$	21
Commercial real estate
Owner-occupied	9,312		9,312		—		5,364		180
Non-owner occupied	5,183		5,185		—		3,858		180
Construction and development
Land & land development	13,121		13,121		—		13,121		436
Construction	—		—		—		—		—
Residential real estate
Non-jumbo	3,763		3,772		—		3,772		167
Jumbo	5,669		5,672		—		5,672		235
Home equity	710		709		—		709		31
Consumer	80		80		—		80		7
Total without a related allowance	$	38,219	$	38,232	$	—	$	32,957	$	1,257

With a related allowance
Commercial	$	—	$	—	$	—	$	—	$	—
Commercial real estate
Owner-occupied	5,409		5,409		255		5,409		215
Non-owner occupied	2,632		2,632		21		2,632		123
Construction and development
Land & land development	898		898		176		898		—
Construction	—		—		—		—		—
Residential real estate
Non-jumbo	2,623		2,624		276		2,624		119
Jumbo	883		884		43		884		44
Home equity	—		—		—		—		—
Consumer	—		—		—		—		—
Total with a related allowance	$	12,445	$	12,447	$	771	$	12,447	$	501

Total
Commercial	$	36,936	$	36,938	$	452	$	31,663	$	1,155
Residential real estate	13,648		13,661		319		13,661		596
Consumer	80		80		—		80		7
Total	$	50,664	$	50,679	$	771	$	45,404	$	1,758

Troubled Debt Restructurings on Financing Receivables [Table Text Block]



	For the Three Months Ended March 31, 2016
Dollars in thousands	Number of Modifications	Pre-modification Recorded Investment		Post-modification Recorded Investment
Commercial	—	$	—	$	—
Commercial real estate
Owner-occupied	—	—		—
Non-owner occupied	—	—		—
Construction and development
Land & land development	—	—		—
Construction	—	—		—
Residential real estate
Non-jumbo	1	250		250
Jumbo	—	—		—
Home equity	—	—		—
Consumer	—	—		—
Total	1	$	250	$	250

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 March 31, 2016
Dollars in thousands	Number of Defaults	Recorded Investment at Default Date
Commercial	—	$	—
Commercial real estate
Owner-occupied	—	—
Non-owner occupied	—	—
Construction and development
Land & land development	1	1,182
Construction	—	—
Residential real estate
Non-jumbo	—	—
Jumbo	—	—
Home equity	—	—
Consumer	—	—
Total	1	$	1,182

Schedule of the Activity Regarding TDRs by Loan Type

The following table details the activity regarding TDRs by loan type for the three months ended March 31, 2016, and the related allowance on TDRs.



For the Three Months Ended March 31, 2016
	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, 2016	$	4,188		$	—	$	242		$	9,314		$	6,059		$	5,496		$	4,634		$	523	$	68		$	—	$	30,524
Additions	—			—		—			—			—			250			—			—		—			—		250
Charge-offs	—			—		—			—			—			(52		)	—			—		—			—		(52		)
Net (paydowns) advances	(191		)	—		(42		)	(33		)	(45		)	(29		)	(27		)	—		(6		)	—		(373		)
Transfer into foreclosed properties	—			—		—			—			—			—			—			—		—			—		—
Refinance out of TDR status	—			—		—			—			—			—			—			—		—			—		—
Balance, March 31, 2016	$	3,997		$	—	$	200		$	9,281		$	6,014		$	5,665		$	4,607		$	523	$	62		$	—	$	30,349

Allowance related to troubled debt restructurings	$	—		$	—	$	—		$	153		$	10		$	187		$	31		$	—	$	—		$	—	$	381

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	3/31/2016		12/31/2015		3/31/2016		12/31/2015		3/31/2016		12/31/2015		3/31/2016		12/31/2015		3/31/2016		12/31/2015
Pass	$	58,189	$	57,155	$	7,997	$	9,970	$	100,120	$	95,174	$	200,487	$	202,226	$	346,784	$	329,861
OLEM (Special Mention)	1,528		1,598		—		—		1,310		1,295		536		546		939		1,602
Substandard	6,766		6,747		—		—		312		732		1,657		783		5,628		5,831
Doubtful	—		—		—		—		—		—		—		—		—		—
Loss	—		—		—		—		—		—		—		—		—		—
Total	$	66,483	$	65,500	$	7,997	$	9,970	$	101,742	$	97,201	$	202,680	$	203,555	$	353,351	$	337,294

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	3/31/2016		12/31/2015		3/31/2015		3/31/2016		12/31/2015		3/31/2015
Residential real estate
Non-jumbo	$	218,345	$	218,763	$	216,509	$	3,023	$	2,987	$	3,429
Jumbo	50,057		50,313		49,779		—		—		713
Home Equity	73,872		74,042		68,545		225		258		349
Consumer	18,960		19,149		18,420		135		102		65
Other	11,235		11,669		11,074		—		—		—
Total	$	372,469	$	373,936	$	364,327	$	3,383	$	3,347	$	4,556