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Allowance For Loan Losses
9 Months Ended
Sep. 30, 2019
Allowance for Loan and Lease Losses Write-offs, Net [Abstract]  
Allowance for Loan Losses
ALLOWANCE FOR LOAN LOSSES

An analysis of the allowance for loan losses for the nine month period ended September 30, 2019 and for the year ended December 31, 2018 is as follows:
 
 
September 30,
 
December 31,
Dollars in thousands
 
2019
 
2018
Balance, beginning of year
 
$
13,047

 
$
12,565

Charge-offs:
 
 
 
 
Commercial
 
200

 
248

Commercial real estate
 
 
 
 
Owner occupied
 
2

 
38

Non-owner occupied
 
94

 
619

Construction and development
 
 
 
 
Land and land development
 

 
259

Construction
 

 

Residential real estate
 
 
 
 
Non-jumbo
 
826

 
887

Jumbo
 

 

Home equity
 

 
26

Mortgage warehouse lines
 

 

Consumer
 
253

 
244

Other
 
273

 
282

Total
 
1,648

 
2,603

Recoveries:
 
 

 
 

Commercial
 
11

 
16

Commercial real estate
 
 
 
 
Owner occupied
 
17

 
23

Non-owner occupied
 

 

Construction and development
 
 
 
 
Land and land development
 
106

 
270

Construction
 

 

Residential real estate
 
 
 
 
Non-jumbo
 
106

 
228

Jumbo
 

 
25

Home equity
 
17

 
10

Mortgage warehouse lines
 

 

Consumer
 
136

 
141

Other
 
99

 
122

Total
 
492

 
835

Net charge-offs
 
1,156


1,768

Provision for loan losses
 
1,050

 
2,250

Balance, end of period
 
$
12,941


$
13,047


 
 
The following table presents the activity in the allowance for loan losses, balance in the allowance for loan losses and recorded investment in loans by portfolio segment and based on impairment during the first nine months of 2019 and for the year ended 2018:
 
For the Nine Months Ended September 30, 2019
 
At September 30, 2019
 
At September 30, 2019
 
Allowance for loan losses
 
Allowance related to:
 
Loans
Dollars in thousands
Beginning
 Balance
Charge-
offs
Recoveries
Provision
Ending
Balance
 
Loans
individua-
lly
evaluated
 for
impairm-
ent
Loans
collective-
ly
evaluated
for
impairm-
ent
Loans
acquired
 with
deteriora-
ted credit
quality (PCI)
Total
 
Loans
individua-
lly
evaluated
for
impairm-
ent
Loans
collective-
ly
evaluated
for
impairm-
ent
Loans
acquired
with
deteriora-
ted credit
quality (PCI)
Total
Commercial
$
1,705

$
(200
)
$
11

$
(991
)
$
525

 
$
12

$
513

$

$
525

 
$
4,929

$
194,462

$

$
199,391

Commercial real estate
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Owner occupied
2,214

(2
)
17

508

2,737

 
414

2,323


2,737

 
11,129

244,699


255,828

Non-owner occupied
5,742

(94
)

194

5,842

 

5,750

92

5,842

 
10,683

555,793

1,194

567,670

Construction and development
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Land and land development
339


106

160

605

 
595

10


605

 
1,979

67,610


69,589

Construction
64



296

360

 

360


360

 

56,255


56,255

Residential real estate
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Non-jumbo
2,090

(826
)
106

577

1,947

 
201

1,736

10

1,947

 
5,303

352,831

1,265

359,399

Jumbo
379



(50
)
329

 

323

6

329

 
4,000

64,862

953

69,815

Home equity
167


17

(101
)
83

 

83


83

 
523

77,970


78,493

Mortgage warehouse lines





 




 

145,039


145,039

Consumer
79

(253
)
136

211

173

 

173


173

 
14

36,968


36,982

Other
268

(273
)
99

246

340

 

340


340

 

13,371


13,371

Total
$
13,047

$
(1,648
)
$
492

$
1,050

$
12,941

 
$
1,222

$
11,611

$
108

$
12,941

 
$
38,560

$
1,809,860

$
3,412

$
1,851,832


 
For the Year Ended December 31, 2018
 
At December 31, 2018
 
At December 31, 2018
 
Allowance for loan losses
 
Allowance related to:
 
Loans
Dollars in thousands
Beginning
 Balance
Charge-
offs
Recoveries
Provision
Ending
Balance
 
Loans
individua-
lly
evaluated
 for
impairm-
ent
Loans
collective-
ly
evaluated
for
impairm-
ent
Loans
acquired
 with
deteriora-
ted credit
quality (PCI)
Total
 
Loans
individua-
lly
evaluated
for
impairm-
ent
Loans
collective-
ly
evaluated
for
impairm-
ent
Loans
acquired
with
deteriora-
ted credit
quality (PCI)
Total
Commercial
$
1,303

$
(248
)
$
16

$
634

$
1,705

 
$
682

$
1,023

$

$
1,705

 
$
4,362

$
189,953

$

$
194,315

Commercial real estate
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Owner occupied
2,424

(38
)
23

(195
)
2,214

 
462

1,752


2,214

 
11,569

245,687


257,256

Non-owner occupied
4,950

(619
)

1,411

5,742

 
9

5,729

4

5,742

 
9,855

562,915

1,162

573,932

Construction and development
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Land and land development
641

(259
)
270

(313
)
339

 
298

41


339

 
5,824

63,009


68,833

Construction
153



(89
)
64

 

64


64

 

24,731


24,731

Residential real estate
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Non-jumbo
1,911

(887
)
228

838

2,090

 
585

1,495

10

2,090

 
6,261

329,342

1,374

336,977

Jumbo
72


25

282

379

 
106

273


379

 
4,953

67,671

975

73,599

Home equity
638

(26
)
10

(455
)
167

 

167


167

 
523

80,387


80,910

Mortgage warehouse lines





 




 

39,140


39,140

Consumer
210

(244
)
141

(28
)
79

 

79


79

 
9

32,451


32,460

Other
263

(282
)
122

165

268

 

268


268

 

12,899


12,899

Total
$
12,565

$
(2,603
)
$
835

$
2,250

$
13,047

 
$
2,142

$
10,891

$
14

$
13,047

 
$
43,356

$
1,648,185

$
3,511

$
1,695,052