Allowance for Loan Losses (Tables)

6 Months Ended

Jun. 30, 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 June 30						Six Months Ended June 30
	2014 (Unaudited)			2013 (Unaudited)			2014 (Unaudited)			2013 (Unaudited)
Balance at beginning of the period	$	16,102		$	19,565		$	15,992		$	18,270
Loans charged-off:
Commercial
Owner occupied real estate		—			6			—			138
Non owner occupied real estate		—			45			22			191
Residential development		—			—			—			—
Development & Spec Land Loans		166			—			173			—
Commercial and industrial		127			774			127			913
Total commercial		293			825			322			1,242
Real estate
Residential mortgage		172			416			194			559
Residential construction		—			—			—			—
Mortgage warehouse		—			—			—			—
Total real estate		172			416			194			559
Consumer
Direct Installment		44			88			77			195
Direct Installment Purchased		—			—			—			—
Indirect Installment		341			271			568			624
Home Equity		247			201			431			639
Total consumer		632			560			1,076			1,458
Total loans charged-off		1,097			1,801			1,592			3,259
Recoveries of loans previously charged-off:
Commercial
Owner occupied real estate		2			14			6			46
Non owner occupied real estate		74			1			75			3
Residential development		—			—			—			—
Development & Spec Land Loans		—			—			—			—
Commercial and industrial		32			111			417			147
Total commercial		108			126			498			196
Real estate
Residential mortgage		3			5			7			8
Residential construction		—			—			—			—
Mortgage warehouse		—			—			—			—
Total real estate		3			5			7			8
Consumer
Direct Installment		21			54			39			448
Direct Installment Purchased		—			—			—			—
Indirect Installment		147			202			266			372
Home Equity		37			—			111			32
Total consumer		205			256			416			852
Total loan recoveries		316			387			921			1,056
Net loans charged-off (recovered)		781			1,414			671			2,203
Provision charged to operating expense
Commercial		(93	)		(940	)		119			802
Real estate		(383	)		675			(987	)		986
Consumer		815			994			1,207			1,025
Total provision charged to operating expense		339			729			339			2,813
Balance at the end of the period	$	15,660		$	18,880		$	15,660		$	18,880

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:

June 30, 2014	Commercial		Real Estate		Mortgage Warehousing		Consumer		Total
Allowance For Loan Losses
Ending allowance balance attributable to loans:
Individually evaluated for impairment	$	1,135	$	—	$	—	$	—	$	1,135
Collectively evaluated for impairment		5,329		2,367		1,559		4,776		14,031
Loans acquired with deteriorated credit quality		494		—		—		—		494
Total ending allowance balance	$	6,958	$	2,367	$	1,559	$	4,776	$	15,660
Loans:
Individually evaluated for impairment	$	7,715	$	—	$	—	$	—	$	7,715
Collectively evaluated for impairment		641,485		236,412		141,376		297,837		1,317,110
Loans acquired with deteriorated credit quality		591		—		—		—		591
Total ending loans balance	$	649,791	$	236,412	$	141,376	$	297,837	$	1,325,416
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