Non-performing Loans and Impaired Loans (Tables)

6 Months Ended

Jun. 30, 2013

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

June 30, 2013	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	$	451	$	—	$	79	$	784	$	1,314
Non owner occupied real estate		2,504		76		1,424		446		4,450
Residential development		—		—		—		—		—
Development & Spec Land Loans		733		—		—		—		733
Commercial and industrial		2,183		—		786		—		2,969
Total commercial		5,871		76		2,289		1,230		9,466
Real estate
Residential mortgage		3,795		3		2,866		2,415		9,079
Residential construction		—		—		287		—		287
Mortgage warehouse		—		—		—		—		—
Total real estate		3,795		3		3,153		2,415		9,366
Consumer
Direct Installment		410		31		—		—		441
Direct Installment Purchased		—		—		—		—		—
Indirect Installment		717		—		—		—		717
Home Equity		3,062		12		1,144		1,441		5,659
Total Consumer		4,189		43		1,144		1,441		6,817
Total	$	13,855	$	122	$	6,586	$	5,086	$	25,649
December 31, 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	$	2,800	$	—	$	1,272	$	819	$	4,891
Non owner occupied real estate		1,705		—		1,605		446		3,756
Residential development		—		—		—		—		—
Development & Spec Land Loans		705		—		—		—		705
Commercial and industrial		544		—		797		—		1,341
Total commercial		5,754		—		3,674		1,265		10,693
Real estate
Residential mortgage		4,565		2		2,536		1,761		8,864
Residential construction		—		—		291		—		291
Mortgage warehouse		—		—		—		—		—
Total real estate		4,565		2		2,827		1,761		9,155
Consumer
Direct Installment		138		26		—		—		164
Direct Installment Purchased		—		—		—		—		—
Indirect Installment		866		26		—		—		892
Home Equity		2,051		—		148		676		2,875
Total Consumer		3,055		52		148		676		3,931
Total	$	13,374	$	54	$	6,649	$	3,702	$	23,779

Loans transferred and classified as troubled debt restructuring

	June 30, 2013				June 30, 2012
	Number of Defaults		Unpaid Principal Balance		Number of Defaults		Unpaid Principal Balance
Commercial
Owner occupied real estate		—	$	—		—	$	—
Non owner occupied real estate		—		—		—		—
Residential development		—		—		—		—
Development & Spec Land Loans		—		—		—		—
Commercial and industrial		—		—		—		—
Total commercial		—		—		—		—
Real estate
Residential mortgage		5		758		1		332
Residential construction		—		—		—		—
Mortgage warehouse		—		—		—		—
Total real estate		5		758		1		332
Consumer
Direct Installment		—		—		—		—
Direct Installment Purchased		—		—		—		—
Indirect Installment		—		—		—		—
Home Equity		1		997		—		—
Total Consumer		1		997		—		—
Total		6	$	1,755		1	$	332

Troubled debt restructured loans which had payment defaults during the six months ended June 30, 2013 and 2012, segregated by class, are shown in the table below. Default occurs when a loan is 90 days or more past due or has been transferred to nonaccrual.

	June 30, 2013				June 30, 2012
	Number of Defaults		Unpaid Principal Balance		Number of Defaults		Unpaid Principal Balance
Commercial
Owner occupied real estate		—	$	—		—	$	—
Non owner occupied real estate		—		—		—		—
Residential development		—		—		—		—
Development & Spec Land Loans		—		—		—		—
Commercial and industrial		—		—		—		—
Total commercial		—		—		—		—
Real estate
Residential mortgage		3		239		2		410
Residential construction		—		—		—		—
Mortgage warehouse		—		—		—		—
Total real estate		3		239		2		410
Consumer
Direct Installment		—		—		—		—
Direct Installment Purchased		—		—		—		—
Indirect Installment		—		—		—		—
Home Equity		1		997		—		—
Total Consumer		1		997		—		—
Total		4	$	1,236		2	$	410

Commercial loans individually evaluated for impairment by class of loans

							Three Months Ending				Six Months Ending
June 30, 2013	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	$	1,142	$	1,146	$	—	$	1,750		13	$	1,785	$	27
Non owner occupied real estate		2,579		2,584		—		2,710		12		2,439		23
Residential development		—		—		—		—		—		—		—
Development & Spec Land Loans		60		60		—		64		—		45		—
Commercial and industrial		906		922		—		1,595		3		1,478		3
Total commercial		4,687		4,712		—		6,119		28		5,747		53
With an allowance recorded
Commercial
Owner occupied real estate		172		172		30		216		—		222		—
Non owner occupied real estate		1,795		1,795		1,097		1,799		—		1,809		—
Residential development		—		—		—		—		—		—		—
Development & Spec Land Loans		673		673		425		702		—		706		—
Commercial and industrial		2,063		2,075		846		2,072		20		1,433		20
Total commercial		4,703		4,715		2,398		4,789		20		4,170		20
Total	$	9,390	$	9,427	$	2,398	$	10,908	$	48	$	9,917	$	73
							Three Months Ending				Six Months Ending
June 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		Interest Income Recognized
With no recorded allowance
Commercial
Owner occupied real estate	$	1,350	$	1,350	$	—	$	1,403	$	—	$	1,343	$	2
Non owner occupied real estate		422		422		—		389		2		392		3
Residential development		—		—		—		—		—		—		—
Development & Spec Land Loans		14		14		—		5		1		2		1
Commercial and industrial		257		257		—		365		—		312		5
Total commercial		2,043		2,043		—		2,162		3		2,049		11
With an allowance recorded
Commercial
Owner occupied real estate		1,606		1,606		475		1,161		17		1,127		18
Non owner occupied real estate		3,682		3,684		1,100		3,685		—		3,524		—
Residential development		—		—		—		—		—		—		—
Development & Spec Land Loans		661		661		615		676		—		455		6
Commercial and industrial		804		804		273		806		—		811		—
Total commercial		6,753		6,755		2,463		6,328		17		5,917		24
Total	$	8,796	$	8,798	$	2,463	$	8,490	$	20	$	7,966	$	35

Payment status by class of loan

June 30, 2013	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	$	525		$	506		$	—		$	1,031		$	158,348		$	159,379
Non owner occupied real estate		—			68			76			144			233,059			233,203
Residential development		—			—			—			—			245			245
Development & Spec Land Loans		—			—			—			—			12,988			12,988
Commercial and industrial		354			58			—			412			95,237			95,649
Total commercial		879			632			76			1,587			499,877			501,464
Real estate
Residential mortgage		330			2			3			335			173,697			174,032
Residential construction		—			—			—			—			8,133			8,133
Mortgage warehouse		—			—			—			—			154,962			154,962
Total real estate		330			2			3			335			336,792			337,127
Consumer
Direct Installment		135			18			31			184			27,915			28,099
Direct Installment Purchased		—			—			—			—			358			358
Indirect Installment		808			46			—			854			127,793			128,647
Home Equity		703			530			12			1,245			119,302			120,547
Total consumer		1,646			594			43			2,283			275,368			277,651
Total	$	2,855		$	1,228		$	122		$	4,205		$	1,112,037		$	1,116,242
Percentage of total loans		0.26	%		0.11	%		0.01	%		0.38	%		99.62	%
December 31, 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	$	2,207		$	19		$	—		$	2,226		$	160,468		$	162,694
Non owner occupied real estate		669			147			—			816			200,947			201,763
Residential development		—			—			—			—			1,056			1,056
Development & Spec Land Loans		—			—			—			—			6,963			6,963
Commercial and industrial		538			16			—			554			86,528			87,082
Total commercial		3,414			182			—			3,596			455,962			459,558
Real estate
Residential mortgage		167			—			2			169			181,281			181,450
Residential construction		—			—			—			—			7,681			7,681
Mortgage warehouse		—			—			—			—			251,448			251,448
Total real estate		167			—			2			169			440,410			440,579
Consumer
Direct Installment		240			64			26			330			27,501			27,831
Direct Installment Purchased		—			—			—			—			429			429
Indirect Installment		1,105			177			26			1,308			132,173			133,481
Home Equity		1,072			321			—			1,393			125,195			126,588
Total consumer		2,417			562			52			3,031			285,298			288,329
Total	$	5,998		$	744		$	54		$	6,796		$	1,181,670		$	1,188,466
Percentage of total loans		0.50	%		0.06	%		0.00	%		0.57	%		99.43	%

Loans by credit grades

June 30, 2013	Pass			Special Mention			Substandard			Doubtful			Total
Commercial
Owner occupied real estate	$	147,937		$	3,247		$	8,195		$	—		$	159,379
Non owner occupied real estate		209,033			5,490			18,680			—			233,203
Residential development		245			—			—			—			245
Development & Spec Land Loans		9,618			96			3,274			—			12,988
Commercial and industrial		84,045			6,163			5,441			—			95,649
Total commercial		450,878			14,996			35,590			—			501,464
Real estate
Residential mortgage		164,953			—			9,079			—			174,032
Residential construction		7,846			—			287			—			8,133
Mortgage warehouse		154,962			—			—			—			154,962
Total real estate		327,761			—			9,366			—			337,127
Consumer
Direct Installment		27,658			—			441			—			28,099
Direct Installment Purchased		358			—			—			—			358
Indirect Installment		127,930			—			717			—			128,647
Home Equity		114,888			—			5,659			—			120,547
Total Consumer		270,834			—			6,817			—			277,651
Total	$	1,049,473		$	14,996		$	51,773		$	—		$	1,116,242
Percentage of total loans		94.02	%		1.34	%		4.64	%		0.00	%
December 31, 2012	Pass			Special Mention			Substandard			Doubtful			Total
Commercial
Owner occupied real estate	$	137,664		$	6,407		$	17,029		$	1,594		$	162,694
Non owner occupied real estate		171,319			19,440			10,717			287			201,763
Residential development		405			—			651			—			1,056
Development & Spec Land Loans		3,171			178			3,614			—			6,963
Commercial and industrial		78,810			3,136			5,136			—			87,082
Total commercial		391,369			29,161			37,147			1,881			459,558
Real estate
Residential mortgage		172,586			—			8,864			—			181,450
Residential construction		7,390			—			291			—			7,681
Mortgage warehouse		251,448			—			—			—			251,448
Total real estate		431,424			—			9,155			—			440,579
Consumer
Direct Installment		27,667			—			164			—			27,831
Direct Installment Purchased		429			—			—			—			429
Indirect Installment		132,589			—			892			—			133,481
Home Equity		123,713			—			2,875			—			126,588
Total Consumer		284,398			—			3,931			—			288,329
Total	$	1,107,191		$	29,161		$	50,233		$	1,881		$	1,188,466
Percentage of total loans		93.16	%		2.45	%		4.23	%		0.16	%