Loans (Tables)

9 Months Ended

Sep. 30, 2019

Loans and Leases Receivable Disclosure [Abstract]

Summary of Loans, Net of Unearned Fees

Loans are summarized as follows:

Dollars in thousands	September 30, 2019		December 31, 2018
Commercial	$	199,391	$	194,315
Commercial real estate
Owner-occupied	255,828		257,256
Non-owner occupied	567,670		573,932
Construction and development
Land and land development	69,589		68,833
Construction	56,255		24,731
Residential real estate
Non-jumbo	359,399		336,977
Jumbo	69,815		73,599
Home equity	78,493		80,910
Mortgage warehouse lines	145,039		39,140
Consumer	36,982		32,460
Other	13,371		12,899
Total loans, net of unearned fees	1,851,832		1,695,052
Less allowance for loan losses	12,941		13,047
Loans, net	$	1,838,891	$	1,682,005

Schedule of Acquired Loans

The outstanding balance and the recorded investment of acquired loans included in the consolidated balance sheet at September 30, 2019 and December 31, 2018 are as follows:

	Acquired Loans
	September 30, 2019						December 31, 2018
Dollars in thousands	Purchased Credit Impaired		Purchased Performing		Total		Purchased Credit Impaired		Purchased Performing		Total
Outstanding balance	$	4,160	$	143,441	$	147,601	$	4,275	$	138,167	$	142,442
Recorded investment
Commercial	$	—	$	3,688	$	3,688	$	—	$	3,934	$	3,934
Commercial real estate
Owner-occupied	—		18,221		18,221		—		16,133		16,133
Non-owner occupied	1,194		16,285		17,479		1,162		23,431		24,593
Construction and development
Land and land development	—		3,369		3,369		—		5,161		5,161
Construction	—		—		—		—		—		—
Residential real estate
Non-jumbo	1,265		89,697		90,962		1,374		77,894		79,268
Jumbo	953		3,098		4,051		975		2,577		3,552
Home equity	—		2,312		2,312		—		2,805		2,805
Consumer	—		4,883		4,883		—		4,630		4,630
Other	—		13		13		—		122		122
Total recorded investment	$	3,412	$	141,566	$	144,978	$	3,511	$	136,687	$	140,198

Summary of Change in Accretable Yield PCI Loans

The following table presents a summary of the change in the accretable yield of the purchased credit impaired ("PCI") loan portfolio for the three and nine months ended September 30, 2019 and 2018:

	For the Three Months Ended September 30,						For the Nine Months Ended September 30,
Dollars in thousands	2019			2018			2019			2018
Accretable yield	$	597		$	676		$	632		$	745
Accretion	(12		)	(12		)	(46		)	(81		)
Reclassification of nonaccretable difference due to improvement     in expected cash flows	—			—			—			—
Other changes, net	—			—			(1		)	—
Accretable yield, September 30	$	585		$	664		$	585		$	664

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 September 30, 2019 and December 31, 2018.

	At September 30, 2019
	Past Due										> 90 days and Accruing
Dollars in thousands	30-59 days		60-89 days		> 90 days		Total		Current
Commercial	$	405	$	50	$	483	$	938	$	198,453	$	—
Commercial real estate
Owner-occupied	137		175		3,859		4,171		251,657		—
Non-owner occupied	259		—		1,784		2,043		565,627		—
Construction and development
Land and land development	67		21		168		256		69,333		—
Construction	—		—		—		—		56,255		—
Residential mortgage
Non-jumbo	3,390		1,516		2,182		7,088		352,311		—
Jumbo	952		—		—		952		68,863		—
Home equity	74		218		56		348		78,145		—
Mortgage warehouse lines	—		—		—		—		145,039		—
Consumer	344		108		79		531		36,451		39
Other	—		—		100		100		13,271		—
Total	$	5,628	$	2,088	$	8,711	$	16,427	$	1,835,405	$	39

	At December 31, 2018
	Past Due										> 90 days and Accruing
Dollars in thousands	30-59 days		60-89 days		> 90 days		Total		Current
Commercial	$	254	$	51	$	483	$	788	$	193,527	$	—
Commercial real estate
Owner-occupied	—		—		612		612		256,644		—
Non-owner occupied	156		255		1,756		2,167		571,765		—
Construction and development
Land and land development	190		4		3,174		3,368		65,465		—
Construction	—		—		—		—		24,731		—
Residential mortgage
Non-jumbo	4,120		2,235		3,753		10,108		326,869		—
Jumbo	—		—		675		675		72,924		—
Home equity	754		261		181		1,196		79,714		—
Mortgage warehouse lines	—		—		—		—		39,140		—
Consumer	502		121		125		748		31,712		36
Other	31		—		—		31		12,868		—
Total	$	6,007	$	2,927	$	10,759	$	19,693	$	1,675,359	$	36

Schedule of Financing Receivables, Non Accrual Status

The following table presents the nonaccrual loans included in the net balance of loans at September 30, 2019 and December 31, 2018.

	September 30,		December 31,
Dollars in thousands	2019		2018
Commercial	$	835	$	935
Commercial real estate
Owner-occupied	4,024		1,028
Non-owner occupied	3,013		2,210
Construction and development
Land & land development	191		3,198
Construction	—		—
Residential mortgage
Non-jumbo	4,299		6,532
Jumbo	—		675
Home equity	162		299
Mortgage warehouse lines	—		—
Consumer	76		112
Other	100		—
Total	$	12,700	$	14,989

Impaired Financing Receivables

The following tables present loans individually evaluated for impairment at September 30, 2019 and December 31, 2018.

	September 30, 2019
Dollars in thousands	Recorded Investment		Unpaid Principal Balance		Related Allowance		Average Impaired Balance		Interest Income Recognized while impaired
Without a related allowance
Commercial	$	4,813	$	4,813	$	—	$	5,193	$	304
Commercial real estate
Owner-occupied	7,245		7,246		—		7,637		229
Non-owner occupied	10,683		10,690		—		10,127		502
Construction and development
Land & land development	954		954		—		1,209		70
Construction	—		—		—		—		—
Residential real estate
Non-jumbo	3,472		3,478		—		3,966		217
Jumbo	4,000		3,999		—		4,029		221
Home equity	523		523		—		523		29
Mortgage warehouse lines	—		—		—		—		—
Consumer	14		14		—		14		1
Total without a related allowance	$	31,704	$	31,717	$	—	$	32,698	$	1,573
With a related allowance
Commercial	$	116	$	116	$	12	$	54	$	2
Commercial real estate
Owner-occupied	3,884		3,888		414		3,903		113
Non-owner occupied	—		—		—		—		—
Construction and development
Land & land development	1,025		1,026		595		1,036		52
Construction	—		—		—		—		—
Residential real estate
Non-jumbo	1,831		1,829		201		2,145		72
Jumbo	—		—		—		—		—
Home equity	—		—		—		—		—
Mortgage warehouse lines	—		—		—		—		—
Consumer	—		—		—		—		—
Total with a related allowance	$	6,856	$	6,859	$	1,222	$	7,138	$	239
Total
Commercial	$	28,720	$	28,733	$	1,021	$	29,159	$	1,272
Residential real estate	9,826		9,829		201		10,663		539
Consumer	14		14		—		14		1
Total	$	38,560	$	38,576	$	1,222	$	39,836	$	1,812

The table above does not include PCI loans.

	December 31, 2018
Dollars in thousands	Recorded Investment		Unpaid Principal Balance		Related Allowance		Average Impaired Balance		Interest Income Recognized while impaired
Without a related allowance
Commercial	$	1,019	$	1,253	$	—	$	321	$	16
Commercial real estate
Owner-occupied	8,600		8,605		—		7,730		318
Non-owner occupied	9,666		9,673		—		9,753		493
Construction and development
Land & land development	4,767		4,767		—		4,947		102
Construction	—		—		—		—		—
Residential real estate
Non-jumbo	3,279		3,284		—		3,401		180
Jumbo	4,132		4,130		—		3,517		166
Home equity	523		523		—		523		30
Mortgage warehouse lines	—		—		—		—		—
Consumer	9		10		—		13		1
Total without a related allowance	$	31,995	$	32,245	$	—	$	30,205	$	1,306
With a related allowance
Commercial	$	3,343	$	3,342	$	682	$	705	$	39
Commercial real estate
Owner-occupied	2,969		2,969		462		2,397		117
Non-owner occupied	189		191		9		226		16
Construction and development
Land & land development	1,057		1,057		298		1,073		56
Construction	—		—		—		—		—
Residential real estate
Non-jumbo	2,982		2,981		585		2,539		98
Jumbo	821		822		106		827		48
Home equity	—		—		—		—		—
Mortgage warehouse lines	—		—		—		—		—
Consumer	—		—		—		—		—
Total with a related allowance	$	11,361	$	11,362	$	2,142	$	7,767	$	374
Total
Commercial	$	31,610	$	31,857	$	1,451	$	27,152	$	1,157
Residential real estate	11,737		11,740		691		10,807		522
Consumer	9		10		—		13		1
Total	$	43,356	$	43,607	$	2,142	$	37,972	$	1,680

The table above does not include PCI loans.

Troubled Debt Restructurings on Financing Receivables [Table Text Block]

The following tables present by class the TDRs that were restructured during the three and nine months ended September 30, 2019 and September 30, 2018 . Generally, the modifications were extensions of term, modifying the payment terms from principal and interest to interest only for an extended period, or reduction in interest rate.  All TDRs are evaluated individually for allowance for loan loss purposes.

	For the Three Months Ended   September 30, 2019					For the Three Months Ended   September 30, 2018
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
Residential real estate
Non-jumbo	—	$	—	$	—	2	$	94	$	94
Total	—	$	—	$	—	2	$	94	$	94

	For the Nine Months Ended   September 30, 2019					For the Nine Months Ended   September 30, 2018
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	—	$	—	$	—	2	$	157	$	157
Commercial real estate
Owner-occupied	1	325		325		—	—		—
Non-owner occupied	4	324		324		—	—		—
Residential real estate
Non-jumbo	7	410		410		8	899		899
Consumer	1	16		16		—	—		—
Total	13	$	1,075	$	1,075	10	$	1,056	$	1,056

Schedule of Defaults During Stated Period of Trouble Debt Restructurings

The following tables present defaults during the stated period of TDRs that were restructured during the past twelve months. 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   September 30, 2019			For the Three Months Ended   September 30, 2018
Dollars in thousands	Number of Defaults	Recorded Investment at Default Date		Number of Defaults	Recorded Investment at Default Date
Commercial real estate
Non-owner occupied	1	$	126	—	$	—
Residential real estate
Non-jumbo	3	174		—	—
Total	4	$	300	—	$	—

	For the Nine Months Ended   September 30, 2019			For the Nine Months Ended   September 30, 2018
Dollars in thousands	Number of Defaults	Recorded Investment at Default Date		Number of Defaults	Recorded Investment at Default Date
Commercial	—	$	—	2	$	157
Commercial real estate
Non-owner occupied	1	126		1	341
Residential real estate
Non-jumbo	3	174		3	628
Total	4	$	300	6	$	1,126

Schedule of the Activity Regarding TDRs by Loan Type

The following tables detail the activity regarding TDRs by loan type, net of fees, for the three and nine months ended September 30, 2019, and the related allowance on TDRs.

For the Three Months Ended September 30, 2019
	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 July 1, 2019	$	2,123		$	—	$	233		$	9,588		$	5,624		$	4,695		$	3,380		$	523	$	—	$	15		$	—	$	26,181
Additions	—			—		—			—			—			—			—			—		—		—			—		—
Charge-offs	—			—		—			—			—			—			—			—		—		—			—		—
Net (paydowns) advances	(144		)	—		(21		)	(58		)	(49		)	(33		)	(12		)	—		—		(1		)	—		(318		)
Transfer into foreclosed properties	—			—		—			—			—			—			—			—		—		—			—		—
Refinance out of TDR status	—			—		—			—			—			—			—			—		—		—			—		—
Balance, September 30, 2019	$	1,979		$	—	$	212		$	9,530		$	5,575		$	4,662		$	3,368		$	523	$	—	$	14		$	—	$	25,863
Allowance related to troubled debt restructurings	$	595		$	—	$	4		$	251		$	—		$	199		$	—		$	—	$	—	$	—		$	—	$	1,049

For the Nine Months Ended September 30, 2019
	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, 2019	$	2,654		$	—	$	273		$	9,365		$	5,404		$	4,490		$	4,278		$	523	$	—	$	10		$	—	$	26,997
Additions	—			—		—			325			324			410			—			—		—		16			—		1,075
Charge-offs	—			—		—			—			—			—			—			—		—		—			—		—
Net (paydowns) advances	(675		)	—		(61		)	(160		)	(153		)	(238		)	(910		)	—		—		(12		)	—		(2,209		)
Transfer into foreclosed properties	—			—		—			—			—			—			—			—		—		—			—		—
Refinance out of TDR status	—			—		—			—			—			—			—			—		—		—			—		—
Balance, September 30, 2019	$	1,979		$	—	$	212		$	9,530		$	5,575		$	4,662		$	3,368		$	523	$	—	$	14		$	—	$	25,863
Allowance related to troubled debt restructurings	$	595		$	—	$	4		$	251		$	—		$	199		$	—		$	—	$	—	$	—		$	—	$	1,049

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 our internal risk ratings.

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	9/30/2019		12/31/2018		9/30/2019		12/31/2018		9/30/2019		12/31/2018		9/30/2019		12/31/2018		9/30/2019		12/31/2018		9/30/2019		12/31/2018
Pass	$	67,740	$	63,743	$	56,115	$	24,589	$	192,576	$	182,651	$	248,890	$	250,254	$	558,634	$	565,715	$	145,039	$	39,140
OLEM (Special Mention)	454		472		140		142		1,333		6,748		2,602		1,864		1,643		1,554		—		—
Substandard	1,395		4,618		—		—		5,482		4,916		4,336		5,138		7,393		6,663		—		—
Doubtful	—		—		—		—		—		—		—		—		—		—		—		—
Loss	—		—		—		—		—		—		—		—		—		—		—		—
Total	$	69,589	$	68,833	$	56,255	$	24,731	$	199,391	$	194,315	$	255,828	$	257,256	$	567,670	$	573,932	$	145,039	$	39,140

Schedule of Recorded Investment Evaluated Based on Aging Status of Loans and Payment Activity

The following table presents the recorded investment and payment activity in consumer, residential real estate, and home equity loans, which are generally evaluated based on the aging status of the loans.

	Performing				Nonperforming
Dollars in thousands	9/30/2019		12/31/2018		9/30/2019		12/31/2018
Residential real estate
Non-jumbo	$	355,100	$	330,445	$	4,299	$	6,532
Jumbo	69,815		72,924		—		675
Home Equity	78,331		80,611		162		299
Consumer	36,868		32,312		114		148
Other	13,271		12,899		100		—
Total	$	553,385	$	529,191	$	4,675	$	7,654