Non-Performing Loans and Impaired Loans (Tables)

9 Months Ended

Sep. 30, 2012

Non-Performing Loans and Impaired Loans [Abstract]

Nonaccrual, loans past due over 90 days still on accrual, and troubled debt restructured ("TDRs") by class of loans:

September 30, 2012	Nonaccrual		Loans Past Due Over 90 Days Still Accruing		Non Performing TDR’s		Performing TDR’s		Total Non- Performing Loans
Commercial
Owner occupied real estate	$	3,887	$	—	$	1,472	$	—	$	5,359
Non owner occupied real estate		3,754		—		375		—		4,129
Residential development		—		—		—		—		—
Development & Spec Land Loans		789		—		—		—		789
Commercial and industrial		492		9		801		—		1,302
Total commercial		8,922		9		2,648		—		11,579
Real estate
Residential mortgage		4,266		57		2,361		1,857		8,541
Residential construction		—		—		—		292		292
Mortgage warehouse		—		—		—		—		—
Total real estate		4,266		57		2,361		2,149		8,833
Consumer
Direct Installment		97		1		—		—		98
Direct Installment Purchased		—		—		—		—		—
Indirect Installment		923		42		—		—		965
Home Equity		1,679		—		52		832		2,563
Total Consumer		2,699		43		52		832		3,626
Total	$	15,887	$	109	$	5,061	$	2,981	$	24,038

December 31, 2011	Nonaccrual		Loans Past Due Over 90 Days Still Accruing		Non Performing TDR’s		Performing TDR’s		Total Non- Performing Loans
Commercial
Owner occupied real estate	$	2,515	$	—	$	—	$	—	$	2,515
Non owner occupied real estate		3,970		—		152		—		4,122
Residential development		—		—		—		—		—
Development & Spec Land Loans		90		—		—		—		90
Commercial and industrial		330		—		901		—		1,231
Total commercial		6,905		—		1,053		—		7,958
Real estate
Residential mortgage		4,550		—		1,120		2,389		8,059
Residential construction		144		—		—		293		437
Mortgage warehouse		—		—		—		—		—
Total real estate		4,694		—		1,120		2,682		8,496
Consumer
Direct Installment		256		1		—		—		257
Direct Installment Purchased		—		4		—		—		4
Indirect Installment		926		29		—		—		955
Home Equity		1,587		3		25		858		2,473
Total Consumer		2,769		37		25		858		3,689
Total	$	14,368	$	37	$	2,198	$	3,540	$	20,143

Loans transferred and classified as troubled debt restructuring

	September 30, 2012				September 30, 2011
	Number of Defaults		Unpaid Principal Balance		Number of Defaults		Unpaid Principal Balance
Commercial
Owner occupied real estate		3	$	1,472		—	$	—
Non owner occupied real estate		3		637		—		—
Residential development		—		—		—		—
Development & Spec Land Loans		—		—		—		—
Commercial and industrial		—		—		1		841
Total commercial		6		2,109		1		841
Real estate
Residential mortgage		1		582		2		174
Residential construction		—		—		—		—
Mortgage warehouse		—		—		—		—
Total real estate		1		582		2		174
Consumer
Direct Installment		—		—		—		—
Direct Installment Purchased		—		—		—		—
Indirect Installment		—		—		—		—
Home Equity		—		—		8		724
Total Consumer		—		—		8		724
Total		7	$	2,691		11	$	1,739

	September 30, 2012				September 30, 2011
	Number of Defaults		Unpaid Principal Balance		Number of Defaults		Unpaid Principal Balance
Commercial
Owner occupied real estate		3	$	1,473		—	$	—
Non owner occupied real estate		2		261		—		—
Residential development		—		—		—		—
Development & Spec Land Loans		—		—		—		—
Commercial and industrial		—		—		2		361
Total commercial		5		1,734		2		361
Real estate
Residential mortgage		2		677		2		1,143
Residential construction		—		—		—		—
Mortgage warehouse		—		—		—		—
Total real estate		2		677		2		1,143
Consumer
Direct Installment		—		—		—		—
Direct Installment Purchased		—		—		—		—
Indirect Installment		—		—		—		—
Home Equity		—		—		2		65
Total Consumer		—		—		2		65
Total		7	$	2,411		6	$	1,569

Commercial loans individually evaluated for impairment by class of loans

							Three Months Ending					Nine Months Ending
September 30, 2012	Unpaid Principal Balance		Recorded Investment		Allowance For Loan Loss Allocated		Average Balance in Impaired Loans		Cash/Accrual Interest Income Recognized			Average Balance in Impaired Loans		Cash/Accrual Interest Income Recognized
With no recorded allowance
Commercial
Owner occupied real estate	$	4,457	$	4,460	$	—	$	3,810	$	—		$	1,978	$	3
Non owner occupied real estate		2,521		2,542		—		2,429		70			1,920		72
Residential development		—		—		—		—		—			—		—
Development & Spec Land Loans		131		131		—		109		(0	)		37		—
Commercial and industrial		456		471		—		382		—			129		—
Total commercial		7,565		7,604		—		6,730		69			4,064		75
With an allowance recorded
Commercial
Owner occupied real estate		903		903		450		910		(0	)		1,109		1
Non owner occupied real estate		2,938		2,938		1,065		2,943		—			2,843		—
Residential development		—		—		—		—		—			—		—
Development & Spec Land Loans		658		658		615		660		—			523		6
Commercial and industrial		801		801		273		801		—			807		—
Total commercial		5,300		5,300		2,403		5,314		(0	)		5,282		7
Total	$	12,865	$	12,904	$	2,403	$	12,044	$	69		$	9,346	$	82
							Three Months Ending					Nine Months Ending
September 30, 2011	Unpaid Principal Balance		Recorded Investment		Allowance For Loan Loss Allocated		Average Balance in Impaired Loans		Interest Income Recognized			Average Balance in Impaired Loans		Interest Income Recognized
With no recorded allowance
Commercial
Owner occupied real estate	$	1,315	$	1,314	$	—	$	1,224	$	31		$	856	$	32
Non owner occupied real estate		2,403		2,625		—		1,683		85			985		89
Residential development		—		—		—		—		—			9		—
Development & Spec Land Loans		—		111		—		—		—			69		—
Commercial and industrial		1,154		1,156		—		1,091		47			1,099		47
Total commercial		4,872		5,206		—		3,998		163			3,018		168
With an allowance recorded
Commercial
Owner occupied real estate		1,420		1,420		460		1,449		—			1,234		—
Non owner occupied real estate		5,499		5,538		996		4,943		—			4,859		—
Residential development		—		—		—		—		—			—		—
Development & Spec Land Loans		90		90		125		90		—			179		—
Commercial and industrial		234		308		225		284		—			393		—
Total commercial		7,243		7,356		1,806		6,766		—			6,665		—
Total	$	12,115	$	12,562	$	1,806	$	10,764	$	163		$	9,683	$	168

Payment status by class of loan

September 30, 2012	30 - 59 Days Past Due		60 - 89 Days Past Due		Greater than 90 Days Past Due		Total Past Due		Loans Not Past Due		Total
Commercial
Owner occupied real estate	$	1,008	$	110	$	—	$	1,118	$	166,897	$	168,015
Non owner occupied real estate		—		123		—		123		187,830		187,953
Residential development		—		—		—		—		1,130		1,130
Development & Spec Land Loans		—		—		—		—		6,645		6,645
Commercial and industrial		433		2,373		9		2,815		80,774		83,589
Total commercial		1,441		2,606		9		4,056		443,276		447,332
Real estate
Residential mortgage		1,300		197		57		1,554		163,166		164,720
Residential construction		—		—		—		—		11,742		11,742
Mortgage warehouse		—		—		—		—		244,233		244,233
Total real estate		1,300		197		57		1,554		419,141		420,695
Consumer
Direct Installment		162		243		1		406		29,841		30,247
Direct Installment Purchased		—		—		—		—		518		518
Indirect Installment		1,124		101		42		1,267		127,235		128,502
Home Equity		1,038		139		—		1,177		127,494		128,671
Total consumer		2,324		483		43		2,850		285,088		287,938
Total	$	5,065	$	3,286	$	109	$	8,460	$	1,147,505	$	1,155,965
December 31, 2011	30 - 59 Days Past Due		60 - 89 Days Past Due		Greater than 90 Days Past Due		Total Past Due		Loans Not Past Due		Total
Commercial
Owner occupied real estate	$	89	$	168	$	—	$	257	$	131,636	$	131,893
Non owner occupied real estate		228		—		—		228		142,041		142,269
Residential development		—		—		—		—		3,574		3,574
Development & Spec Land Loans		—		—		—		—		8,739		8,739
Commercial and industrial		34		22		—		56		65,718		65,774
Total commercial		351		190		—		541		351,708		352,249
Real estate
Residential mortgage		411		—		—		411		150,482		150,893
Residential construction		—		—		—		—		6,181		6,181
Mortgage warehouse		—		—		—		—		208,299		208,299
Total real estate		411		—		—		411		364,962		365,373
Consumer
Direct Installment		164		22		1		187		24,065		24,252
Direct Installment Purchased		7		14		4		25		956		981
Indirect Installment		1,333		335		29		1,697		126,054		127,751
Home Equity		363		92		3		458		113,103		113,561
Total consumer		1,867		463		37		2,367		264,178		266,545
Total	$	2,629	$	653	$	37	$	3,319	$	980,848	$	984,167

Loans by credit grades

September 30, 2012	Pass		Special Mention		Substandard		Doubtful		Total
Commercial
Owner occupied real estate	$	137,121	$	8,826	$	17,632	$	4,436	$	168,015
Non owner occupied real estate		153,131		20,694		13,008		1,120		187,953
Residential development		434		—		696		—		1,130
Development & Spec Land Loans		3,637		251		2,627		130		6,645
Commercial and industrial		74,279		4,339		4,715		256		83,589
Total commercial		368,602		34,110		38,678		5,942		447,332
Real estate
Residential mortgage		156,179		—		8,541		—		164,720
Residential construction		11,450		—		292		—		11,742
Mortgage warehouse		244,233		—		—		—		244,233
Total real estate		411,862		—		8,833		—		420,695
Consumer
Direct Installment		30,149		—		98		—		30,247
Direct Installment Purchased		518		—		—		—		518
Indirect Installment		127,537		—		965		—		128,502
Home Equity		126,108		—		2,563		—		128,671
Total Consumer		284,312		—		3,626		—		287,938
Total	$	1,064,776	$	34,110	$	51,137	$	5,942	$	1,155,965
December 31, 2011	Pass		Special Mention		Substandard		Doubtful		Total
Commercial
Owner occupied real estate	$	107,155	$	4,101	$	20,637	$	—	$	131,893
Non owner occupied real estate		118,446		11,423		12,400		—		142,269
Residential development		1,677		529		1,368		—		3,574
Development & Spec Land Loans		3,778		860		4,101		—		8,739
Commercial and industrial		55,964		3,012		6,798		—		65,774
Total commercial		287,020		19,925		45,304		—		352,249
Real estate
Residential mortgage		142,834		—		8,059		—		150,893
Residential construction		5,744		—		437		—		6,181
Mortgage warehouse		208,299		—		—		—		208,299
Total real estate		356,877		—		8,496		—		365,373
Consumer
Direct Installment		23,995		—		257		—		24,252
Direct Installment Purchased		977		—		4		—		981
Indirect Installment		126,796		—		955		—		127,751
Home Equity		111,088		—		2,473		—		113,561
Total Consumer		262,856		—		3,689		—		266,545
Total	$	906,753	$	19,925	$	57,489	$	—	$	984,167