Non-performing Loans and Impaired Loans (Tables)

6 Months Ended

Jun. 30, 2014

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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:

June 30, 2014	Non-accrual		Loans Past Due Over 90 Days Still Accruing		Non- Performing TDRs		Performing TDRs		Total Non- Performing Loans
Commercial
Owner occupied real estate	$	1,578	$	—	$	46	$	755	$	2,379
Non owner occupied real estate		2,299		—		406		1,172		3,877
Residential development		—		—		—		—		—
Development & Spec Land Loans		49		—		—		—		49
Commercial and industrial		782		17		1,139		—		1,938
Total commercial		4,708		17		1,591		1,927		8,243
Real estate
Residential mortgage		2,830		2		1,077		2,489		6,398
Residential construction		—		—		274		—		274
Mortgage warehouse		—		—		—		—		—
Total real estate		2,830		2		1,351		2,489		6,672
Consumer
Direct Installment		371		—		—		—		371
Direct Installment Purchased		—		—		—		—		—
Indirect Installment		537		23		—		—		560
Home Equity		1,398		—		236		1,198		2,832
Total Consumer		2,306		23		236		1,198		3,763
Total	$	9,844	$	42	$	3,178	$	5,614	$	18,678
December 31, 2013	Non-accrual		Loans Past Due Over 90 Days Still Accruing		Non- Performing TDRs		Performing TDRs		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 and six months ended June 30, 2014 and 2013, segregated by class, are shown in the table below.

	Three Months Ending June 30, 2014				Three Months Ending June 30, 2013				Six Months Ending June 30, 2014				Six Months Ending June 30, 2013
	Number of Defaults		Unpaid Principal Balance		Number of Defaults		Unpaid Principal Balance		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		—		—		—		—		2		371		—		—
Total commercial		—		—		—		—		2		371		—		—
Real estate
Residential mortgage		1		226		2		368		1		226		5		758
Residential construction		—		—		—		—		—		—		—		—
Mortgage warehouse		—		—		—		—		—		—		—		—
Total real estate		1		226		2		368		1		226		5		758
Consumer
Direct Installment		—		—		—		—		—		—		—		—
Direct Installment Purchased		—		—		—		—		—		—		—		—
Indirect Installment		—		—		—		—		—		—		—		—
Home Equity		1		51		1		997		2		196		1		997
Total Consumer		1		51		1		997		2		196		1		997
Total		2	$	277		3	$	1,365		5	$	793		6	$	1,755

Troubled debt restructured loans which had payment defaults during the three and six months ended June 30, 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.

	Three Months Ending June 30, 2014				Three Months Ending June 30, 2013				Six Months Ending June 30, 2014				Six Months Ending June 30, 2013
	Number of Defaults		Unpaid Principal Balance		Number of Defaults		Unpaid Principal Balance		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		—		—		—		—		2		371		—		—
Total commercial		—		—		—		—		2		371		—		—
Real estate
Residential mortgage		1		223		—		—		2		377		3		239
Residential construction		—		—		—		—		—		—		—		—
Mortgage warehouse		—		—		—		—		—		—		—		—
Total real estate		1		223		—		—		2		377		3		239
Consumer
Direct Installment		—		—		—		—		—		—		—		—
Direct Installment Purchased		—		—		—		—		—		—		—		—
Indirect Installment		—		—		—		—		—		—		—		—
Home Equity		1		51		1		997		2		196		1		997
Total Consumer		1		51		1		997		2		196		1		997
Total		2	$	274		1	$	997		6	$	944		4	$	1,236

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				Six Months Ending
June 30, 2014	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	$	2,121	$	2,124	$	—	$	1,885	$	40	$	1,432	$	51
Non owner occupied real estate		3,244		3,246		—		3,270		93		3,283		98
Residential development		—		—		—		—		—		—		—
Development & Spec Land Loans		—		—		—		—		—		—		—
Commercial and industrial		283		283		—		441		—		466		—
Total commercial		5,648		5,653		—		5,596		133		5,181		149
With an allowance recorded
Commercial
Owner occupied real estate		—		—		—		—		—		—		—
Non owner occupied real estate		340		340		170		342		—		347		—
Residential development		—		—		—		—		—		—		—
Development & Spec Land Loans		—		—		—		—		—		—		—
Commercial and industrial		1,722		1,722		965		1,710		—		1,570		2
Total commercial		2,062		2,062		1,135		2,052		—		1,917		2
Total	$	7,710	$	7,715	$	1,135	$	7,648	$	133	$	7,098	$	151
							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

Payment Status by Class of Loan

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

June 30, 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	$	90		$	60		$	—		$	150		$	205,850		$	206,000
Non owner occupied real estate		819			—			—			819			293,862			294,681
Residential development		—			—			—			—			835			835
Development & Spec Land Loans		—			—			—			—			24,188			24,188
Commercial and industrial		384			6			17			407			120,785			121,192
Total commercial		1,293			66			17			1,376			645,520			646,896
Real estate
Residential mortgage		30			270			2			302			225,517			225,819
Residential construction		—			—			—			—			9,068			9,068
Mortgage warehouse		—			—			—			—			140,896			140,896
Total real estate		30			270			2			302			375,481			375,783
Consumer
Direct Installment		85			15			—			100			34,006			34,106
Direct Installment Purchased		—			—			—			—			256			256
Indirect Installment		807			154			23			984			131,069			132,053
Home Equity		711			240			—			951			129,783			130,734
Total consumer		1,603			409			23			2,035			295,114			297,149
Total	$	2,926		$	745		$	42		$	3,713		$	1,316,115		$	1,319,828
Percentage of total loans		0.22	%		0.06	%		0.00	%		0.28	%		99.72	%
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.

June 30, 2014	Pass			Special Mention			Substandard			Doubtful			Total
Commercial
Owner occupied real estate	$	194,208		$	2,728		$	9,064		$	—		$	206,000
Non owner occupied real estate		273,976			9,516			11,189			—			294,681
Residential development		835			—			—			—			835
Development & Spec Land Loans		22,941			85			1,162			—			24,188
Commercial and industrial		115,769			1,778			3,645			—			121,192
Total commercial		607,729			14,107			25,060			—			646,896
Real estate
Residential mortgage		219,421			—			6,398			—			225,819
Residential construction		8,794			—			274			—			9,068
Mortgage warehouse		140,896			—			—			—			140,896
Total real estate		369,111			—			6,672			—			375,783
Consumer
Direct Installment		33,735			—			371			—			34,106
Direct Installment Purchased		256			—			—			—			256
Indirect Installment		131,493			—			560			—			132,053
Home Equity		127,902			—			2,832			—			130,734
Total Consumer		293,386			—			3,763			—			297,149
Total	$	1,270,226		$	14,107		$	35,495		$	—		$	1,319,828
Percentage of total loans		96.24	%		1.07	%		2.69	%		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	%