Non-performing Assets and Impaired Loans (Tables)

12 Months Ended

Dec. 31, 2013

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Nonaccrual, Loans Past Due Over 90 Days Still on Accrual, and Troubled Debt Restructured ("TDRs") by Class of Loans

The following table presents the nonaccrual, loans past due over 90 days still on accrual, and troubled debt restructured (“TDRs”) by class of loans:

December 31, 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	$	293	$	—	$	222	$	778	$	1,293
Non owner occupied real estate		2,289		45		1,117		518		3,969
Residential development		—		—		—		—		—
Development & Spec Land Loans		182		—		—		—		182
Commercial and industrial		1,250		—		777		—		2,027
Total commercial		4,014		45		2,116		1,296		7,471
Real estate
Residential mortgage		2,459		2		719		2,686		5,866
Residential construction		—		—		280		—		280
Mortgage warehouse		—		—		—		—		—
Total real estate		2,459		2		999		2,686		6,146
Consumer
Direct Installment		202		—		—		—		202
Direct Installment Purchased		—		—		—		—		—
Indirect Installment		531		2		—		—		533
Home Equity		2,542		—		311		1,072		3,925
Total Consumer		3,275		2		311		1,072		4,660
Total	$	9,748	$	49	$	3,426	$	5,054	$	18,277
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 Restructured Loans

Loans transferred and classified as troubled debt restructuring during the years ended December 31, 2013 and 2012, segregated by class, are shown in the table below.

	December 31, 2013				December 31, 2012
	Number of Defaults		Unpaid Principal Balance		Number of Defaults		Unpaid Principal Balance
Commercial
Owner occupied real estate		3	$	223		4	$	2,091
Non owner occupied real estate		3		942		4		2,051
Residential development		—		—		—		—
Development & Spec Land Loans		—		—		—		—
Commercial and industrial		—		—		—		—
Total commercial		6		1,165		8		4,142
Real estate
Residential mortgage		9		1,252		5		1,231
Residential construction		—		—		—		—
Mortgage warehouse		—		—		—		—
Total real estate		9		1,252		5		1,231
Consumer
Direct Installment		—		—		—		—
Direct Installment Purchased		—		—		—		—
Indirect Installment		—		—		—		—
Home Equity		7		915		—		—
Total Consumer		7		915		—		—
Total		22	$	3,332		13	$	5,373

Troubled debt restructured loans which had payment defaults during the years ended December 31, 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 transferred to nonaccrual.

	December 31, 2013				December 31, 2012
	Number		Unpaid		Number		Unpaid
	of		Principal		of		Principal
	Defaults		Balance		Defaults		Balance
Commercial
Owner occupied real estate		3	$	223		3	$	1,272
Non owner occupied real estate		2		424		3		1,605
Residential development		—		—		—		—
Development & Spec Land Loans		—		—		—		—
Commercial and industrial		—		—		—		—
Total commercial		5		647		6		2,877
Real estate
Residential mortgage		3		355		4		1,168
Residential construction		—		—		—		—
Mortgage warehouse		—		—		—		—
Total real estate		3		355		4		1,168
Consumer
Direct Installment		—		—		—		—
Direct Installment Purchased		—		—		—		—
Indirect Installment		—		—		—		—
Home Equity		3		178		—		—
Total Consumer		3		178		—		—
Total		11	$	1,180		10	$	4,045

Commercial Loans Individually Evaluated for Impairment by Class of Loans

 

The following table presents commercial loans individually evaluated for impairment by class of loans:

	Unpaid Principal Balance		Recorded Investment		Allowance For Loan Loss Allocated		Twelve Months Ending
December 31, 2013							Average Balance in Impaired Loans		Cash/Accrual Interest Income Recognized
With no recorded allowance
Commercial
Owner occupied real estate	$	1,293	$	1,296	$	—	$	1,845	$	68
Non owner occupied real estate		3,521		3,525		—		2,963		172
Residential development		—		—		—		—		—
Development & Spec Land Loans		23		23		—		25		—
Commercial and industrial		390		405		—		712		—
Total commercial		5,227		5,249		—		5,545		240
With an allowance recorded
Commercial
Owner occupied real estate		—		—		—		—		—
Non owner occupied real estate		403		403		202		485		—
Residential development		—		—		—		—		—
Development & Spec Land Loans		159		159		48		166		—
Commercial and industrial		1,637		1,637		1,062		1,140		31
Total commercial		2,199		2,199		1,312		1,791		31
Total	$	7,426	$	7,448	$	1,312	$	7,336	$	271
	Unpaid Principal Balance		Recorded Investment		Allowance For Loan Loss Allocated		Twelve Months Ending
December 31, 2012							Average Balance in Impaired Loans		Cash/Accrual Interest Income Recognized
With no recorded allowance
Commercial
Owner occupied real estate	$	4,890	$	4,901	$	—	$	2,422	$	80
Non owner occupied real estate		1,961		1,963		—		1,544		20
Residential development		—		—		—		—		—
Development & Spec Land Loans		133		133		—		61		—
Commercial and industrial		449		466		—		297		—
Total commercial		7,433		7,463		—		4,324		100
With an allowance recorded
Commercial
Owner occupied real estate		—		—		—		—		—
Non owner occupied real estate		1,795		1,795		1,080		481		95
Residential development		—		—		—		—		—
Development & Spec Land Loans		572		572		600		526		6
Commercial and industrial		797		797		265		806		—
Total commercial		3,164		3,164		1,945		1,813		101
Total	$	10,597	$	10,627	$	1,945	$	6,137	$	201

							Twelve Months Ending
December 31, 2011	Unpaid Principal Balance		Recorded Investment		Allowance For Loan Loss Allocated		Average Balance in Impaired Loans		Interest Income Recognized
With no recorded allowance
Commercial
Owner occupied real estate	$	192	$	192	$	—	$	110	$	2
Non owner occupied real estate		954		956		—		639		43
Residential development		—		—		—		—		—
Development & Spec Land Loans		90		90		—		157		—
Commercial and industrial		396		396		—		355		6
Total commercial		1,632		1,634		—		1,261		51
With an allowance recorded
Commercial
Owner occupied real estate		2,323		2,323		770		1,911		25
Non owner occupied real estate		3,168		3,168		1,080		830		83
Residential development		—		—		—		—		—
Development & Spec Land Loans		—		—		—		—		—
Commercial and industrial		835		835		286		839		22
Total commercial		6,326		6,326		2,136		3,580		130
Total	$	7,958	$	7,960	$	2,136	$	4,841	$	181

Payment Status by Class of Loan

The following table presents the payment status by class of loans:

December 31, 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	$	341		$	—		$	—		$	341		$	155,921		$	156,262
Non owner occupied real estate		424			—			45			469			224,244			224,713
Residential development		—			—			—			—			400			400
Development & Spec Land Loans		—			—			—			—			21,289			21,289
Commercial and industrial		—			—			—			—			101,920			101,920
Total commercial		765			—			45			810			503,774			504,584
Real estate
Residential mortgage		445			87			2			534			175,534			176,068
Residential construction		—			—			—			—			9,508			9,508
Mortgage warehouse		—			—			—			—			98,156			98,156
Total real estate		445			87			2			534			283,198			283,732
Consumer
Direct Installment		120			24			—			144			29,839			29,983
Direct Installment Purchased		—			—			—			—			294			294
Indirect Installment		1,011			175			2			1,188			130,196			131,384
Home Equity		767			58			—			825			117,133			117,958
Total consumer		1,898			257			2			2,157			277,462			279,619
Total	$	3,108		$	344		$	49		$	3,501		$	1,064,434		$	1,067,935
Percentage of total loans		0.29	%		0.03	%		0.00	%		0.33	%		99.67	%

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

The following table presents loans by credit grades.

December 31, 2013	Pass			Special Mention			Substandard			Doubtful			Total
Commercial
Owner occupied real estate	$	146,085		$	2,231		$	7,946		$	—		$	156,262
Non owner occupied real estate		208,625			5,047			11,041			—			224,713
Residential development		400			—			—			—			400
Development & Spec Land Loans		19,858			91			1,340			—			21,289
Commercial and industrial		91,852			6,492			3,576			—			101,920
Total commercial		466,820			13,861			23,903			—			504,584
Real estate
Residential mortgage		170,202			—			5,866			—			176,068
Residential construction		9,228			—			280			—			9,508
Mortgage warehouse		98,156			—			—			—			98,156
Total real estate		277,586			—			6,146			—			283,732
Consumer
Direct Installment		29,781			—			202			—			29,983
Direct Installment Purchased		294			—			—			—			294
Indirect Installment		130,851			—			533			—			131,384
Home Equity		114,033			—			3,925			—			117,958
Total Consumer		274,959			—			4,660			—			279,619
Total	$	1,019,365		$	13,861		$	34,709		$	—		$	1,067,935
Percentage of total loans		95.45	%		1.30	%		3.25	%		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	%