Allowance for Loan Losses (Tables)

12 Months Ended

Dec. 31, 2015

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.

	December 31		December 31			December 31
	2015		2014			2013
Balance at beginning of the period	$	16,501	$	15,992		$	18,270
Loans charged-off:
Commercial
Owner occupied real estate		2,208		40			138
Non owner occupied real estate		556		136			937
Residential development		—		—			—
Development & Spec Land Loans		—		173			182
Commercial and industrial		673		1,453			1,275
Total commercial		3,437		1,802			2,532
Real estate
Residential mortgage		288		328			1,055
Residential construction		—		—			—
Mortgage warehouse		—		—			—
Total real estate		288		328			1,055
Consumer
Direct Installment		367		250			333
Direct Installment Purchased		—		—			—
Indirect Installment		1,081		1,233			1,178
Home Equity		926		516			1,152
Total consumer		2,374		1,999			2,663
Total loans charged-off		6,099		4,129			6,250
Recoveries of loans previously charged-off:
Commercial
Owner occupied real estate		104		13			65
Non owner occupied real estate		1		210			71
Residential development		—		—			—
Development & Spec Land Loans		35		55			—
Commercial and industrial		52		495			532
Total commercial		192		773			668
Real estate
Residential mortgage		69		21			114
Residential construction		—		—			—
Mortgage warehouse		—		—			—
Total real estate		69		21			114
Consumer
Direct Installment		106		67			488
Direct Installment Purchased		—		—			—
Indirect Installment		489		560			658
Home Equity		114		159			124
Total consumer		709		786			1,270
Total loan recoveries		970		1,580			2,052
Net loans charged-off (recovered)		5,129		2,549			4,198
Provision charged to operating expense
Commercial		2,531		2,277			756
Real estate		62		(1,153	)		1,132
Consumer		569		1,934			32
Total provision charged to operating expense		3,162		3,058			1,920
Balance at the end of the period	$	14,534	$	16,501		$	15,992

Allowance for Loan Losses and 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:

December 31, 2015	Commercial		Real Estate		Mortgage Warehousing		Consumer		Total
Allowance For Loan Losses
Ending allowance balance attributable to loans:
Individually evaluated for impairment	$	202	$	—	$	—	$	—	$	202
Collectively evaluated for impairment		6,739		2,476		1,007		3,856		14,078
Loans acquired with deteriorated credit quality		254		—		—		—		254
Total ending allowance balance	$	7,195	$	2,476	$	1,007	$	3,856	$	14,534
Loans:
Individually evaluated for impairment	$	7,019	$	—	$	—	$	—	$	7,019
Collectively evaluated for impairment		798,454		438,454		145,172		363,419		1,745,499
Loans acquired with deteriorated credit quality		1,729		—		—		—		1,729
Total ending loans balance	$	807,202	$	438,454	$	145,172	$	363,419	$	1,754,247

December 31, 2014	Commercial		Real Estate		Mortgage Warehousing		Consumer		Total
Allowance For Loan Losses
Ending allowance balance attributable to loans:
Individually evaluated for impairment	$	1,589	$	—	$	—	$	—	$	1,589
Collectively evaluated for impairment		5,827		2,508		1,132		4,951		14,418
Loans acquired with deteriorated credit quality		494		—		—		—		494
Total ending allowance balance	$	7,910	$	2,508	$	1,132	$	4,951	$	16,501
Loans:
Individually evaluated for impairment	$	11,055	$	—	$	—	$	—	$	11,055
Collectively evaluated for impairment		664,251		255,383		129,636		321,470		1,370,740
Loans acquired with deteriorated credit quality		591		—		—		—		591
Total ending loans balance	$	675,897	$	255,383	$	129,636	$	321,470	$	1,382,386