Allowance for Loan Losses (Tables)

3 Months Ended

Mar. 31, 2014

Receivables [Abstract]

Allowance for Loan Losses

The historical loss experience is determined by portfolio segment and is based on the actual loss history experienced by the Company over the prior one to five years. Management believes the five-year historical loss experience methodology is appropriate in the current economic environment, as it captures loss rates that are comparable to the current period being analyzed. The actual allowance for loan loss activity is provided below.

	Three Months Ended
	March 31
	2014			2013
	(Unaudited)			(Unaudited)
Balance at beginning of the period	$	15,992		$	18,270
Loans charged-off:
Commercial
Owner occupied real estate		—			132
Non owner occupied real estate		22			146
Residential development		—			—
Development & Spec Land Loans		7			—
Commercial and industrial		—			139
Total commercial		29			417
Real estate
Residential mortgage		22			143
Residential construction		—			—
Mortgage warehouse		—			—
Total real estate		22			143
Consumer
Direct Installment		33			107
Direct Installment Purchased		—			—
Indirect Installment		227			353
Home Equity		184			438
Total consumer		444			898
Total loans charged-off		495			1,458
Recoveries of loans previously charged-off:
Commercial
Owner occupied real estate		4			32
Non owner occupied real estate		1			2
Residential development		—			—
Development & Spec Land Loans		—			—
Commercial and industrial		385			36
Total commercial		390			70
Real estate
Residential mortgage		4			3
Residential construction		—			—
Mortgage warehouse		—			—
Total real estate		4			3
Consumer
Direct Installment		18			394
Direct Installment Purchased		—			—
Indirect Installment		119			170
Home Equity		74			32
Total consumer		211			596
Total loan recoveries		605			669
Net loans charged-off (recovered)		(110	)		789
Provision charged to operating expense
Commercial		212			1,738
Real estate		(604	)		312
Consumer		392			34
Total provision charged to operating expense		—			2,084
Balance at the end of the period	$	16,102		$	19,565

Allowance for Loan Losses and the Recorded Investment in Loans by Portfolio Segment

The following table presents the balance in the allowance for loan losses and the recorded investment in loans by portfolio segment and based on impairment analysis:

March 31, 2014	Commercial		Real Estate		Mortgage Warehousing		Consumer		Total
Allowance For Loan Losses
Ending allowance balance attributable to loans:
Individually evaluated for impairment	$	1,290	$	—	$	—	$	—	$	1,290
Collectively evaluated for impairment		5,580		2,812		1,665		4,388		14,445
Loans acquired with deteriorated credit quality		367		—		—		—		367
Total ending allowance balance	$	7,237	$	2,812	$	1,665	$	4,388	$	16,102
Loans:
Individually evaluated for impairment	$	7,335	$	—	$	—	$	—	$	7,335
Collectively evaluated for impairment		522,054		190,486		102,626		281,042		1,096,208
Loans acquired with deteriorated credit quality		492		—		—		—		492
Total ending loans balance	$	529,881	$	190,486	$	102,626	$	281,042	$	1,104,035
December 31, 2013	Commercial		Real Estate		Mortgage Warehousing		Consumer		Total
Allowance For Loan Losses
Ending allowance balance attributable to loans:
Individually evaluated for impairment	$	1,312	$	—	$	—	$	—	$	1,312
Collectively evaluated for impairment		4,963		3,462		1,638		4,228		14,291
Loans acquired with deteriorated credit quality		389		—		—		—		389
Total ending allowance balance	$	6,664	$	3,462	$	1,638	$	4,228	$	15,992
Loans:
Individually evaluated for impairment	$	7,448	$	—	$	—	$	—	$	7,448
Collectively evaluated for impairment		489,547		186,526		98,636		279,448		1,054,157
Loans acquired with deteriorated credit quality		9,355		24		—		1,030		10,409
Total ending loans balance	$	506,350	$	186,550	$	98,636	$	280,478	$	1,072,014