Non-performing Loans and Impaired Loans (Tables)

3 Months Ended

Mar. 31, 2014

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:


March 31, 2014	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	$	294	$	—	$	81	$	769	$	1,144
Non owner occupied real estate		2,192		—		1,084		514		3,790
Residential development		—		—		—		—		—
Development & Spec Land Loans		162		—		—		—		162
Commercial and industrial		1,043		—		1,173		—		2,216

Total commercial		3,691		—		2,338		1,283		7,312
Real estate
Residential mortgage		2,709		3		858		2,510		6,080
Residential construction		—		—		278		—		278
Mortgage warehouse		—		—		—		—		—

Total real estate		2,709		3		1,136		2,510		6,358
Consumer
Direct Installment		289		20		—		—		309
Direct Installment Purchased		—		—		—		—		—
Indirect Installment		536		103		—		—		639
Home Equity		1,548		77		187		1,206		3,018

Total Consumer		2,373		200		187		1,206		3,966

Total	$	8,773	$	203	$	3,661	$	4,999	$	17,636


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

Loans Transferred and Classified as Troubled Debt Restructured Loans

Loans transferred and classified as troubled debt restructuring during the three months ended March 31, 2014 and 2013, segregated by class, are shown in the table below.


	March 31, 2014				March 31, 2013
	Number of Defaults		Unpaid Principal Balance		Number of Defaults		Unpaid Principal Balance
Commercial
Owner occupied real estate		—	$	—		2	$	76
Non owner occupied real estate		—		—		1		70
Residential development		—		—		—		—
Development & Spec Land Loans		—		—		—		—
Commercial and industrial		2		398		—		—

Total commercial		2		398		3		146
Real estate
Residential mortgage		—		—		3		390
Residential construction		—		—		—		—
Mortgage warehouse		—		—		—		—

Total real estate		—		—		3		390
Consumer
Direct Installment		—		—		—		—
Direct Installment Purchased		—		—		—		—
Indirect Installment		—		—		—		—
Home Equity		1		146		2		791

Total Consumer		1		146		2		791

Total		3	$	544		8	$	1,327

Troubled debt restructured loans which had payment defaults during the three months ended March 31, 2014 and 2013, 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.


	March 31, 2014				March 31, 2013
	Number of Defaults		Unpaid Principal Balance		Number of Defaults		Unpaid Principal Balance
Commercial
Owner occupied real estate		—	$	—		2	$	76
Non owner occupied real estate		—		—		1		70
Residential development		—		—		—		—
Development & Spec Land Loans		—		—		—		—
Commercial and industrial		2		398		—		—

Total commercial		2		398		3		146
Real estate
Residential mortgage		1		154		1		234
Residential construction		—		—		—		—
Mortgage warehouse		—		—		—		—

Total real estate		1		154		1		234
Consumer
Direct Installment		—		—		—		—
Direct Installment Purchased		—		—		—		—
Indirect Installment		—		—		—		—
Home Equity		1		146		—		—

Total Consumer		1		146		—		—

Total		4	$	698		4	$	380

Commercial Loans Individually Evaluated for Impairment by Class of Loans

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


							Three Months Ending
March 31, 2014	Unpaid Principal Balance		Recorded Investment		Allowance For Loan Loss Allocated		Average Balance in Impaired Loans			Cash/ Accrual Interest Income Recognized
With no recorded allowance
Commercial
Owner occupied real estate	$	1,145	$	1,148	$	—	$	1,759		$	12
Non owner occupied real estate		3,443		3,446		—		3,514			5
Residential development		—		—		—		—			—
Development & Spec Land Loans		24		24		—		24			—
Commercial and industrial		333		349		—		608			—

Total commercial		4,945		4,967		—		5,905			17
With an allowance recorded
Commercial
Owner occupied real estate		—		—		—		(1	)		—
Non owner occupied real estate		347		347		170		353			—
Residential development		—		—		—		—			—
Development & Spec Land Loans		138		138		40		142			—
Commercial and industrial		1,883		1,883		1,080		1,727			2

Total commercial		2,368		2,368		1,290		2,221			2

Total	$	7,313	$	7,335	$	1,290	$	8,126		$	19


							Three Months Ending
March 31, 2013	Unpaid Principal Balance		Recorded Investment		Allowance For Loan Loss Allocated		Average Balance in Impaired Loans			Cash/ Accrual Interest Income Recognized
With no recorded allowance
Commercial
Owner occupied real estate	$	3,310	$	3,317	$	—	$	4,906		$	14
Non owner occupied real estate		2,578		2,579		—		3,793			11
Residential development		—		—		—		—			—
Development & Spec Land Loans		135		135		—		166			—
Commercial and industrial		912		928		—		1,877			—

Total commercial		6,935		6,959		—		10,742			25
With an allowance recorded
Commercial
Owner occupied real estate		—		—		—		—			—
Non owner occupied real estate		1,763		1,763		1,080		1,774			—
Residential development		—		—		—		—			—
Development & Spec Land Loans		564		564		600		569			—
Commercial and industrial		792		792		265		794			—

Total commercial		3,119		3,119		1,945		3,137			—

Total	$	10,054	$	10,078	$	1,945	$	13,879		$	25

Payment Status by Class of Loan

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


March 31, 2014	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	$	218		$	127		$	—		$	345		$	173,169		$	173,514
Non owner occupied real estate		122			—			—			122			230,103			230,225
Residential development		—			—			—			—			833			833
Development & Spec Land Loans		—			—			—			—			21,347			21,347
Commercial and industrial		110			—			—			110			102,002			102,112

Total commercial		450			127			—			577			527,454			528,031
Real estate
Residential mortgage		313			—			3			316			180,533			180,849
Residential construction		—			—			—			—			8,692			8,692
Mortgage warehouse		—			—			—			—			102,146			102,146

Total real estate		313			—			3			316			291,371			291,687
Consumer
Direct Installment		67			10			20			97			30,459			30,556
Direct Installment Purchased		—			—			—			—			270			270
Indirect Installment		771			41			103			915			130,479			131,394
Home Equity		555			278			77			910			117,222			118,132

Total consumer		1,393			329			200			1,922			278,430			280,352

Total	$	2,156		$	456		$	203		$	2,815		$	1,097,255		$	1,100,070

Percentage of total loans		0.20	%		0.04	%		0.02	%		0.26	%		99.74	%

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	%

Loans by Credit Grades

The following table presents loans by credit grades.


March 31, 2014	Pass			Special Mention			Substandard			Doubtful			Total
Commercial
Owner occupied real estate	$	163,274		$	2,667		$	7,573		$	—		$	173,514
Non owner occupied real estate		213,918			6,211			10,096			—			230,225
Residential development		738			95			—			—			833
Development & Spec Land Loans		19,984			88			1,275			—			21,347
Commercial and industrial		92,357			6,045			3,710			—			102,112

Total commercial		490,271			15,106			22,654			—			528,031
Real estate
Residential mortgage		174,769			—			6,080			—			180,849
Residential construction		8,414			—			278			—			8,692
Mortgage warehouse		102,146			—			—			—			102,146

Total real estate		285,329			—			6,358			—			291,687
Consumer
Direct Installment		30,247			—			309			—			30,556
Direct Installment Purchased		270			—			—			—			270
Indirect Installment		130,755			—			639			—			131,394
Home Equity		115,114			—			3,018			—			118,132

Total Consumer		276,386			—			3,966			—			280,352

Total	$	1,051,985		$	15,106		$	32,978		$	—		$	1,100,070

Percentage of total loans		95.63	%		1.37	%		3.00	%		0.00	%

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	%