Loans (Tables)

6 Months Ended

Jun. 30, 2016

Loans and Leases Receivable Disclosure [Abstract]

Loans are summarized as follows:



Dollars in thousands	June 30, 2016		December 31, 2015		June 30, 2015
Commercial	$	101,521	$	97,201	$	97,284
Commercial real estate
Owner-occupied	190,534		203,555		191,743
Non-owner occupied	348,099		337,294		331,056
Construction and development
Land and land development	65,702		65,500		64,435
Construction	8,506		9,970		18,214
Residential real estate
Non-jumbo	225,919		221,750		220,199
Jumbo	52,105		50,313		49,203
Home equity	75,904		74,300		72,504
Mortgage warehouse lines	80,282		—		—
Consumer	19,520		19,251		18,683
Other	10,008		11,669		12,423
Total loans, net of unearned fees	1,178,100		1,090,803		1,075,744
Less allowance for loan losses	11,377		11,472		11,272
Loans, net	$	1,166,723	$	1,079,331	$	1,064,472

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 June 30, 2016 and 2015 and December 31, 2015.



	At June 30, 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	$	318	$	107	$	211	$	636	$	100,885	$	—
Commercial real estate
Owner-occupied	157		—		1,278		1,435		189,099		—
Non-owner occupied	180		14		—		194		347,905		—
Construction and development
Land and land development	45		475		4,748		5,268		60,434		—
Construction	—		—		—		—		8,506		—
Residential mortgage
Non-jumbo	3,978		950		2,466		7,394		218,525		—
Jumbo	—		—		—		—		52,105		—
Home equity	—		77		447		524		75,380		—
Mortgage warehouse lines	—		—		—		—		80,282		—
Consumer	145		52		84		281		19,239		—
Other	—		—		—		—		10,008		—
Total	$	4,823	$	1,675	$	9,234	$	15,732	$	1,162,368	$	—



	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 June 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	$	344	$	—	$	661	$	1,005	$	96,279	$	—
Commercial real estate
Owner-occupied	118		—		630		748		190,995		—
Non-owner occupied	320		5,629		309		6,258		324,798		—
Construction and development
Land and land development	—		21		5,228		5,249		59,186		—
Construction	—		—		—		—		18,214		—
Residential mortgage
Non-jumbo	2,263		1,335		2,137		5,735		214,464		—
Jumbo	—		1,111		724		1,835		47,368		—
Home equity	171		195		37		403		72,101		—
Consumer	204		27		42		273		18,410		8
Other	—		—		—		—		12,423		—
Total	$	3,420	$	8,318	$	9,768	$	21,506	$	1,054,238	$	8

Schedule of Financing Receivables, Non Accrual Status

The following table presents the nonaccrual loans included in the net balance of loans at June 30, 2016, December 31, 2015 and June 30, 2015.



	June 30,				December 31,
Dollars in thousands	2016		2015		2015
Commercial	$	399	$	1,065	$	853
Commercial real estate
Owner-occupied	1,278		880		437
Non-owner occupied	4,495		1,541		5,518
Construction and development
Land & land development	5,400		5,627		5,623
Construction	—		—		—
Residential mortgage
Non-jumbo	2,937		3,501		2,987
Jumbo	—		724		—
Home equity	594		208		258
Mortgage warehouse lines	—		—		—
Consumer	91		37		83
Total	$	15,194	$	13,583	$	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
	June 30,				December 31,		Method used to measure impairment
Loan Category	2016		2015		2015		Method used to measure impairment
Commercial	$	655	$	41	$	41	Fair value of collateral
	162		302		201		Discounted cash flow
Commercial real estate
Owner-occupied	1,103		5,654		783		Fair value of collateral
	7,084		9,015		7,616		Discounted cash flow
Non-owner occupied	4,691		1,607		5,728		Fair value of collateral
	7,638		6,140		7,722		Discounted cash flow
Construction and development
Land & land development	6,373		9,002		6,597		Fair value of collateral
	2,145		2,270		2,177		Discounted cash flow
Residential mortgage
Non-jumbo	1,735		1,791		1,753		Fair value of collateral
	4,477		4,475		4,378		Discounted cash flow
Jumbo	3,711		5,655		3,869		Fair value of collateral
	864		880		871		Discounted cash flow
Home equity	186		186		186		Fair value of collateral
	523		523		523		Discounted cash flow
Consumer	1		—		—		Fair value of collateral
	52		75		68		Discounted cash flow
Total	$	41,400	$	47,616	$	42,513

Impaired Financing Receivables

The following tables present loans individually evaluated for impairment at June 30, 2016, December 31, 2015 and June 30, 2015.



	June 30, 2016
Dollars in thousands	Recorded Investment		Unpaid Principal Balance		Related Allowance		Average Impaired Balance		Interest Income Recognized while impaired

Without a related allowance
Commercial	$	798	$	798	$	—	$	199	$	9
Commercial real estate
Owner-occupied	5,305		5,305		—		5,375		208
Non-owner occupied	10,469		10,470		—		10,912		297
Construction and development
Land & land development	7,364		7,365		—		7,408		162
Construction	—		—		—		—		—
Residential real estate
Non-jumbo	3,866		3,880		—		3,780		169
Jumbo	3,713		3,711		—		3,725		177
Home equity	709		709		—		709		21
Mortgage warehouse lines	—		—		—		—		—
Consumer	53		53		—		57		5
Total without a related allowance	$	32,277	$	32,291	$	—	$	32,165	$	1,048

With a related allowance
Commercial	$	19	$	19	$	19	$	—	$	—
Commercial real estate
Owner-occupied	2,882		2,882		13		2,906		112
Non-owner occupied	1,859		1,859		144		1,850		72
Construction and development
Land & land development	1,153		1,153		141		1,152		—
Construction	—		—		—		—		—
Residential real estate
Non-jumbo	2,331		2,332		179		2,335		112
Jumbo	864		864		28		866		43
Home equity	—		—		—		—		—
Mortgage warehouse lines	—		—		—		—		—
Consumer	—		—		—		—		—
Total with a related allowance	$	9,108	$	9,109	$	524	$	9,109	$	339

Total
Commercial	$	29,849	$	29,851	$	317	$	29,802	$	860
Residential real estate	11,483		11,496		207		11,415		522
Consumer	53		53		—		57		5
Total	$	41,385	$	41,400	$	524	$	41,274	$	1,387



	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



	June 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	$	343	$	343	$	—	$	362	$	42
Commercial real estate
Owner-occupied	10,101		10,100		—		8,156		598
Non-owner occupied	6,938		6,940		—		6,333		566
Construction and development
Land & land development	11,139		11,139		—		11,916		672
Construction	—		—		—		—		—
Residential real estate
Non-jumbo	3,307		3,316		—		3,345		318
Jumbo	4,933		4,931		—		7,472		474
Home equity	710		709		—		709		61
Consumer	74		75		—		77		14
Total without a related allowance	$	37,545	$	37,553	$	—	$	38,370	$	2,745

With a related allowance
Commercial	$	—	$	—	$	—	$	—	$	—
Commercial real estate
Owner-occupied	4,569		4,569		232		4,577		378
Non-owner occupied	806		807		64		799		55
Construction and development
Land & land development	133		133		133		534		63
Construction	—		—		—		—		—
Residential real estate
Non-jumbo	2,948		2,950		331		2,959		239
Jumbo	1,600		1,604		71		1,600		89
Home equity	—		—		—		—		—
Consumer	—		—		—		—		—
Total with a related allowance	$	10,056	$	10,063	$	831	$	10,469	$	824

Total
Commercial	$	34,029	$	34,031	$	429	$	32,677	$	2,374
Residential real estate	13,498		13,510		402		16,085		1,181
Consumer	74		75		—		77		14
Total	$	47,601	$	47,616	$	831	$	48,839	$	3,569

Troubled Debt Restructurings on Financing Receivables [Table Text Block]



	For the Three Months Ended June 30, 2016					For the Six Months Ended June 30, 2016
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	—	—		—		—	—		—
Construction and development
Land & land development	—	—		—		—	—		—
Construction	—	—		—		—	—		—
Residential real estate
Non-jumbo	2	145		145		3	395		395
Jumbo	—	—		—		—	—		—
Home equity	—	—		—		—	—		—
Mortgage warehouse lines	—	—		—		—	—		—
Consumer	1	2		2		1	2		2
Total	3	$	147	$	147	4	$	397	$	397

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 June 30, 2016			For the Six Months Ended June 30, 2016
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	1	1,182		1	1,182
Construction	—	—		—	—
Residential real estate
Non-jumbo	2	145		2	145
Jumbo	—	—		—	—
Home equity	—	—		—	—
Mortgage warehouse lines	—	—		—	—
Consumer	1	2		1	2
Total	4	$	1,329	4	$	1,329

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 six months ended June 30, 2016, and the related allowance on TDRs.



For the Three Months Ended June 30, 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		Mortgage Warehouse Lines		Con- sumer			Other		Total
Troubled debt restructurings
Balance April 1, 2016	$	3,997		$	—	$	200		$	9,282		$	6,014		$	5,664		$	4,607		$	523	$	—	$	62		$	—	$	30,349
Additions	—			—		—			—			—			145			—			—		—		1			—		146
Charge-offs	—			—		—			(127		)	—			—			—			—		—		—			—		(127		)
Net (paydowns) advances	(41		)	—		(2		)	(37		)	(13		)	(352		)	(32		)	—		—		(9		)	—		(486		)
Transfer into foreclosed properties	—			—		—			—			—			—			—			—		—		—			—		—
Refinance out of TDR status	—			—		—			—			—			—			—			—		—		—			—		—
Balance, June 30, 2016	$	3,956		$	—	$	198		$	9,118		$	6,001		$	5,457		$	4,575		$	523	$	—	$	54		$	—	$	29,882

Allowance related to troubled debt restructurings	$	—		$	—	$	—		$	149		$	7		$	179		$	28		$	—	$	—	$	—		$	—	$	363



For the Six Months Ended June 30, 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		Mortgage Warehouse Lines		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	—			—		—			—			—			395			—			—		—		1			—		396
Charge-offs	—			—		—			(127		)	—			(52		)	—			—		—		—			—		(179		)
Net (paydowns) advances	(232		)	—		(44		)	(69		)	(58		)	(382		)	(59		)	—		—		(15		)	—		(859		)
Transfer into foreclosed properties	—			—		—			—			—			—			—			—		—		—			—		—
Refinance out of TDR status	—			—		—			—			—			—			—			—		—		—			—		—
Balance, June 30, 2016	$	3,956		$	—	$	198		$	9,118		$	6,001		$	5,457		$	4,575		$	523	$	—	$	54		$	—	$	29,882

Allowance related to troubled debt restructurings	$	—		$	—	$	—		$	149		$	7		$	179		$	28		$	—	$	—	$	—		$	—	$	363

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				Mortgage Warehouse Lines
Dollars in thousands	6/30/2016		12/31/2015		6/30/2016		12/31/2015		6/30/2016		12/31/2015		6/30/2016		12/31/2015		6/30/2016		12/31/2015		6/30/2016		12/31/2015
Pass	$	57,398	$	57,155	$	8,506	$	9,970	$	99,462	$	95,174	$	188,201	$	202,226	$	342,383	$	329,861	$	80,282	$	—
OLEM (Special Mention)	1,611		1,598		—		—		1,162		1,295		726		546		914		1,602		—		—
Substandard	6,693		6,747		—		—		897		732		1,607		783		4,802		5,831		—		—
Doubtful	—		—		—		—		—		—		—		—		—		—		—		—
Loss	—		—		—		—		—		—		—		—		—		—		—		—
Total	$	65,702	$	65,500	$	8,506	$	9,970	$	101,521	$	97,201	$	190,534	$	203,555	$	348,099	$	337,294	$	80,282	$	—

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	6/30/2016		12/31/2015		6/30/2015		6/30/2016		12/31/2015		6/30/2015
Residential real estate
Non-jumbo	$	222,982	$	218,763	$	216,698	$	2,937	$	2,987	$	3,501
Jumbo	52,105		50,313		48,479		—		—		724
Home Equity	75,310		74,042		72,296		594		258		208
Consumer	19,418		19,149		18,637		102		102		46
Other	10,008		11,669		12,423		—		—		—
Total	$	379,823	$	373,936	$	368,533	$	3,633	$	3,347	$	4,479