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Allowance for Loan Losses (Tables)
12 Months Ended
Dec. 31, 2017
Provision for Loan and Lease Losses [Abstract]  
Summary of allocation of the allowance as well as the activity in the allowance attributed to various segments in the loan portfolio
The following tables summarize the allocation of the allowance as well as the activity in the allowance attributed to various segments in the loan portfolio as of and for the periods indicated:
 
 
Commercial
 and Industrial
 
Franchise
 
Commercial
 Owner Occupied
 
SBA
 
Agribusiness
 
Warehouse Facilities
 
Commercial
 Non-owner Occupied
 
Multi-family
 
One-to-four
Family
 
Construction
 
Farmland
 
Land
 
Consumer Loans
 
Total
 
(dollars in thousands)
Balance, December 31, 2016
$
6,362

 
$
3,845

 
$
1,193

 
$
1,039

 
$

 
$

 
$
1,715

 
$
2,927

 
$
365

 
$
3,632

 
$

 
$
198

 
$
20

 
$
21,296

Charge-offs
(1,344
)
 

 

 
(8
)
 

 

 

 

 
(10
)
 

 

 

 

 
(1,362
)
Recoveries
94

 

 
105

 
127

 

 

 

 

 
35

 

 

 

 
1

 
362

Provisions for (reduction in) loan losses
4,609

 
1,952

 
(531
)
 
1,732

 
1,291

 

 
(449
)
 
(2,320
)
 
413

 
937

 
137

 
795

 
74

 
8,640

Balance, December 31, 2017
$
9,721

 
$
5,797

 
$
767

 
$
2,890

 
$
1,291

 
$

 
$
1,266

 
$
607

 
$
803

 
$
4,569

 
$
137

 
$
993

 
$
95

 
$
28,936

Amount of allowance attributed to:
 

 
 
 
 

 
 

 
 
 
 

 
 

 
 

 
 

 
 

 
 
 
 

 
 

 
 

Specifically evaluated impaired loans
$

 
$

 
$
55

 
$

 
$

 
$

 
$

 
$

 
$

 
$

 
$

 
$

 
$

 
$
55

General portfolio allocation
9,721

 
5,797

 
712

 
2,890

 
1,291

 

 
1,266

 
607

 
803

 
4,569

 
137

 
993

 
95

 
28,881

Loans individually evaluated for impairment
1,160

 

 
97

 
1,201

 

 

 

 

 
817

 

 

 
9

 

 
3,284

Specific reserves to total loans individually evaluated for impairment
%
 
%
 
56.70
%
 
%
 
%
 
%
 
%
 
%
 
%
 
%
 
%
 
%
 
%
 
1.67
%
Loans collectively evaluated for impairment
$
1,085,499

 
$
660,414

 
$
1,289,116

 
$
184,313

 
$
116,066

 
$

 
$
1,243,115

 
$
794,384

 
$
270,077

 
$
282,811

 
$
145,393

 
$
31,224

 
$
92,931

 
$
6,195,343

General reserves to total loans collectively evaluated for impairment
0.90
%
 
0.88
%
 
0.06
%
 
1.57
%
 
1.11
%
 
%
 
0.10
%
 
0.08
%
 
0.30
%
 
1.62
%
 
0.09
%
 
3.18
%
 
0.10
%
 
0.47
%
Total gross loans
$
1,086,659

 
$
660,414

 
$
1,289,213

 
$
185,514

 
$
116,066

 
$

 
$
1,243,115

 
$
794,384

 
$
270,894

 
$
282,811

 
$
145,393

 
$
31,233

 
$
92,931

 
$
6,198,627

Total allowance to gross loans
0.89
%
 
0.88
%
 
0.06
%
 
1.56
%
 
1.11
%
 
%
 
0.10
%
 
0.08
%
 
0.30
%
 
1.62
%
 
0.09
%
 
3.18
%
 
0.10
%
 
0.47
%
 
Commercial
 and Industrial
 
Franchise
 
Commercial
 Owner Occupied
 
SBA
 
Agribusiness
 
Warehouse Facilities
 
Commercial
 Non-owner Occupied
 
Multi-family
 
One-to-four
Family
 
Construction
 
Farmland
 
Land
 
Consumer Loans
 
Total
 
(dollars in thousands)
Balance, December 31, 2015
$
3,449

 
$
3,124

 
$
1,870

 
$
1,500

 
$

 
$
759

 
$
2,048

 
$
1,583

 
$
698

 
$
2,030

 
$

 
$
233

 
$
23

 
$
17,317

Charge-offs
(2,802
)
 
(980
)
 
(329
)
 
(980
)
 

 

 

 

 
(151
)
 

 

 

 

 
(5,242
)
Recoveries
177

 

 
25

 
193

 

 

 
21

 

 
25

 

 

 

 
4

 
445

Provisions for (reduction in) loan losses
5,538

 
1,701

 
(373
)
 
326

 

 
(759
)
 
(354
)
 
1,344

 
(207
)
 
1,602

 

 
(35
)
 
(7
)
 
8,776

Balance, December 31, 2016
$
6,362

 
$
3,845

 
$
1,193

 
$
1,039

 
$

 
$

 
$
1,715

 
$
2,927

 
$
365

 
$
3,632

 
$

 
$
198

 
$
20

 
$
21,296

Amount of allowance attributed to:
 

 
 
 
 

 
 

 
 
 
 

 
 

 
 

 
 

 
 

 
 
 
 

 
 

 
 

Specifically evaluated impaired loans
$
250

 
$

 
$

 
$

 
$

 
$

 
$

 
$

 
$

 
$

 
$

 
$

 
$

 
$
250

General portfolio allocation
6,112

 
3,845

 
1,193

 
1,039

 

 

 
1,715

 
2,927

 
365

 
3,632

 

 
198

 
20

 
21,046

Loans individually evaluated for impairment
250

 

 
436

 
316

 

 

 

 

 
124

 

 

 
15

 

 
1,141

Specific reserves to total loans individually evaluated for impairment
100.00
%
 
%
 
%
 
%
 
%
 
%
 
%
 
%
 
%
 
%
 
%
 
%
 
%
 
21.91
%
Loans collectively evaluated for impairment
$
562,919

 
$
459,421

 
$
454,482

 
$
88,678

 
$

 
$

 
$
586,975

 
$
690,955

 
$
100,327

 
$
269,159

 
$

 
$
19,814

 
$
4,112

 
$
3,236,842

General reserves to total loans collectively evaluated for impairment
1.09
%
 
0.84
%
 
0.26
%
 
1.17
%
 
%
 
%
 
0.29
%
 
0.42
%
 
0.36
%
 
1.35
%
 
%
 
1.00
%
 
0.49
%
 
0.65
%
Total gross loans
$
563,169

 
$
459,421

 
$
454,918

 
$
88,994

 
$

 
$

 
$
586,975

 
$
690,955

 
$
100,451

 
$
269,159

 
$

 
$
19,829

 
$
4,112

 
$
3,237,983

Total allowance to gross loans
1.13
%
 
0.84
%
 
0.26
%
 
1.17
%
 
%
 
%
 
0.29
%
 
0.42
%
 
0.36
%
 
1.35
%
 
%
 
1.00
%
 
0.49
%
 
0.66
%
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Commercial
 and Industrial
 
Franchise
 
Commercial
 Owner Occupied
 
SBA
 
Agribusiness
 
Warehouse Facilities
 
Commercial
 Non-owner Occupied
 
Multi-family
 
One-to-four
Family
 
Construction
 
Farmland
 
Land
 
Consumer Loans
 
Total
 
(dollars in thousands)
Balance, December 31, 2014
$
2,646

 
$
1,554

 
$
1,757

 
$
568

 
$

 
$
546

 
$
2,007

 
$
1,060

 
$
842

 
$
1,088

 
$

 
$
108

 
$
24

 
$
12,200

Charge-offs
(484
)
 
(764
)
 

 

 

 

 
(116
)
 

 
(16
)
 

 

 

 

 
(1,380
)
Recoveries
47

 

 

 
8

 

 

 
3

 

 
13

 

 

 

 
1

 
72

Provisions for (reduction in) loan losses
1,240

 
2,334

 
113

 
924

 

 
213

 
154

 
523

 
(141
)
 
942

 

 
125

 
(2
)
 
6,425

Balance, December 31, 2015
$
3,449

 
$
3,124

 
$
1,870

 
$
1,500

 
$

 
$
759

 
$
2,048

 
$
1,583

 
$
698

 
$
2,030

 
$

 
$
233

 
$
23

 
$
17,317

Amount of allowance attributed to:
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Specifically evaluated impaired loans
$

 
$
731

 
$

 
$

 
$

 
$

 
$

 
$

 
$

 
$

 
$

 
$

 
$

 
$
731

General portfolio allocation
3,449

 
2,393

 
1,870

 
1,500

 

 
759

 
2,048

 
1,583

 
698

 
2,030

 

 
233

 
23

 
16,586

Loans individually evaluated for impairment
313

 
1,630

 
536

 

 

 

 
214

 

 
70

 

 

 
21

 

 
2,784

Specific reserves to total loans individually evaluated for impairment
%
 
44.85
%
 
%
 
%
 
%
 
%
 
%
 
%
 
%
 
%
 
%
 
%
 
%
 
26.26
%
Loans collectively evaluated for impairment
$
309,428

 
$
327,295

 
$
294,190

 
$
62,256

 
$

 
$
143,200

 
$
421,369

 
$
429,003

 
$
79,980

 
$
169,748

 
$

 
$
18,319

 
$
5,111

 
$
2,259,899

General reserves to total loans collectively evaluated for impairment
1.11
%
 
0.73
%
 
0.64
%
 
2.41
%
 
%
 
0.53
%
 
0.49
%
 
0.37
%
 
0.87
%
 
1.20
%
 
%
 
1.27
%
 
0.45
%
 
0.73
%
Total gross loans
$
309,741

 
$
328,925

 
$
294,726

 
$
53,691

 
$

 
$
143,200

 
$
421,583

 
$
429,003

 
$
80,050

 
$
169,748

 
$

 
$
18,340

 
$
5,111

 
$
2,254,118

Total allowance to gross loans
1.11
%
 
0.95
%
 
0.63
%
 
2.79
%
 
%
 
0.53
%
 
0.49
%
 
0.37
%
 
0.87
%
 
1.20
%
 
%
 
1.27
%
 
0.45
%
 
0.77
%