Non-performing Assets and Impaired Loans (Tables)

12 Months Ended

Dec. 31, 2015

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Non-accrual, 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:

December 31, 2015	Non-accrual		Loans Past Due Over 90 Days Still Accruing		Non- Performing TDRs		Performing TDRs		Total Non- Performing Loans
Commercial
Owner occupied real estate	$	1,749	$	—	$	—	$	—	$	1,749
Non owner occupied real estate		3,034		—		1,915		60		5,009
Residential development		—		—		—		—		—
Development & Spec Land Loans		71		—		—		—		71
Commercial and industrial		176		—		—		—		176
Total commercial		5,030		—		1,915		60		7,005
Real estate
Residential mortgage		4,354		1		824		808		5,987
Residential construction		—		—		250		—		250
Mortgage warehouse		—		—		—		—		—
Total real estate		4,354		1		1,074		808		6,237
Consumer
Direct Installment		541		—		—		—		541
Direct Installment Purchased		—		—		—		—		—
Indirect Installment		601		27		—		—		628
Home Equity		1,736		—		183		350		2,269
Total Consumer		2,878		27		183		350		3,438
Total	$	12,262	$	28	$	3,172	$	1,218	$	16,680

December 31, 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	$	1,773	$	—	$	—	$	44	$	1,817
Non owner occupied real estate		7,439		—		217		566		8,222
Residential development		—		—		—		—		—
Development & Spec Land Loans		—		—		—		—		—
Commercial and industrial		812		—		1,004		—		1,816
Total commercial		10,024		—		1,221		610		11,855
Real estate
Residential mortgage		2,297		40		765		2,526		5,628
Residential construction		—		—		266		—		266
Mortgage warehouse		—		—		—		—		—
Total real estate		2,297		40		1,031		2,526		5,894
Consumer
Direct Installment		227		10		—		—		237
Direct Installment Purchased		—		—		—		—		—
Indirect Installment		557		47		—		—		604
Home Equity		2,207		18		391		1,236		3,852
Total Consumer		2,991		75		391		1,236		4,693
Total	$	15,312	$	115	$	2,643	$	4,372	$	22,442

Commercial Loans Individually Evaluated for Impairment by Class of Loans

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

							Twelve Months Ending
December 31, 2015	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	$	1,340	$	1,339	$	—	$	1,001	$	22
Non owner occupied real estate		4,938		4,953		—		5,417		8
Residential development		—		—		—		—		—
Development & Spec Land Loans		71		71		—		6		3
Commercial and industrial		79		79		—		275		4
Total commercial		6,428		6,442		—		6,699		37
With an allowance recorded
Commercial
Owner occupied real estate		410		410		105		243		8
Non owner occupied real estate		70		70		32		6		13
Residential development		—		—		—		—		—
Development & Spec Land Loans		—		—		—		—		—
Commercial and industrial		97		97		65		162		—
Total commercial		577		577		202		411		21
Total	$	7,005	$	7,019	$	202	$	7,110	$	58

							Twelve Months Ending
December 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	$	1,169	$	1,170	$	—	$	645	$	65
Non owner occupied real estate		1,193		1,194		—		1,341		51
Residential development		—		—		—		—		—
Development & Spec Land Loans		—		—		—		—		—
Commercial and industrial		854		854		—		357		27
Total commercial		3,216		3,218		—		2,343		143
With an allowance recorded
Commercial
Owner occupied real estate		422		422		165		141		16
Non owner occupied real estate		6,453		6,453		744		1,995		208
Residential development		—		—		—		—		—
Development & Spec Land Loans		—		—		—		—		—
Commercial and industrial		962		962		680		798		12
Total commercial		7,837		7,837		1,589		2,934		236
Total	$	11,053	$	11,055	$	1,589	$	5,277	$	379

							Twelve Months Ending
December 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	$	1,293	$	1,296	$	—	$	1,845	$	68
Non owner occupied real estate		3,521		3,525		—		2,963		172
Residential development		—		—		—		—		—
Development & Spec Land Loans		23		23		—		25		—
Commercial and industrial		390		405		—		712		—
Total commercial		5,227		5,249		—		5,545		240
With an allowance recorded
Commercial
Owner occupied real estate		—		—		—		—		—
Non owner occupied real estate		403		403		202		485		—
Residential development		—		—		—		—		—
Development & Spec Land Loans		159		159		48		166		—
Commercial and industrial		1,637		1,637		1,062		1,140		31
Total commercial		2,199		2,199		1,312		1,791		31
Total	$	7,426	$	7,448	$	1,312	$	7,336	$	271

Payment Status by Class of Loan

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

December 31, 2015	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	$	481		$	18		$	—		$	499		$	267,782		$	268,281
Non owner occupied real estate		49			—			—			49			326,350			326,399
Residential development		—			—			—			—			5,018			5,018
Development & Spec Land Loans		—			—			—			—			18,183			18,183
Commercial and industrial		32			—			—			32			184,879			184,911
Total commercial		562			18			—			580			802,212			802,792
Real estate
Residential mortgage		1,121			344			1			1,466			413,458			414,924
Residential construction		—			—			—			—			19,751			19,751
Mortgage warehouse		—			—			—			—			144,692			144,692
Total real estate		1,121			344			1			1,466			577,901			579,367
Consumer
Direct Installment		106			10			—			116			54,225			54,341
Direct Installment Purchased		—			—			—			—			153			153
Indirect Installment		1,186			268			27			1,481			150,042			151,523
Home Equity		1,193			203			—			1,396			155,768			157,164
Total consumer		2,485			481			27			2,993			360,188			363,181
Total	$	4,168		$	843		$	28		$	5,039		$	1,740,301		$	1,745,340
Percentage of total loans		0.24	%		0.05	%		0.00	%		0.29	%		99.71	%

December 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	$	103		$	645		$	—		$	748		$	227,632		$	228,380
Non owner occupied real estate		413			—			—			413			296,886			297,299
Residential development		—			—			—			—			2,027			2,027
Development & Spec Land Loans		—			—			—			—			12,097			12,097
Commercial and industrial		19			1			—			20			133,236			133,256
Total commercial		535			646			—			1,181			671,878			673,059
Real estate
Residential mortgage		1,033			193			40			1,266			241,255			242,521
Residential construction		—			—			—			—			11,505			11,505
Mortgage warehouse		—			—			—			—			129,156			129,156
Total real estate		1,033			193			40			1,266			381,916			383,182
Consumer
Direct Installment		113			4			10			127			40,010			40,137
Direct Installment Purchased		—			—			—			—			219			219
Indirect Installment		1,042			243			47			1,332			140,536			141,868
Home Equity		1,084			189			18			1,291			137,716			139,007
Total consumer		2,239			436			75			2,750			318,481			321,231
Total	$	3,807		$	1,275		$	115		$	5,197		$	1,372,275		$	1,377,472
Percentage of total loans		0.28	%		0.09	%		0.01	%		0.38	%		99.62	%

Loans by Credit Grades

The following table presents loans by credit grades.

December 31, 2015	Pass			Special Mention			Substandard			Doubtful			Total
Commercial
Owner occupied real estate	$	257,181		$	4,954		$	6,146		$	—		$	268,281
Non owner occupied real estate		320,216			585			5,598			—			326,399
Residential development		5,018			—			—			—			5,018
Development & Spec Land Loans		18,112			—			71			—			18,183
Commercial and industrial		180,581			693			3,637			—			184,911
Total commercial		781,108			6,232			15,452			—			802,792
Real estate
Residential mortgage		408,937			—			5,987			—			414,924
Residential construction		19,501			—			250			—			19,751
Mortgage warehouse		144,692			—			—			—			144,692
Total real estate		573,130			—			6,237			—			579,367
Consumer
Direct Installment		53,800			—			541			—			54,341
Direct Installment Purchased		153			—			—			—			153
Indirect Installment		150,895			—			628			—			151,523
Home Equity		154,895			—			2,269			—			157,164
Total Consumer		359,743			—			3,438			—			363,181
Total	$	1,713,981		$	6,232		$	25,127		$	—		$	1,745,340
Percentage of total loans		98.20	%		0.36	%		1.44	%		0.00	%

December 31, 2014	Pass			Special Mention			Substandard			Doubtful			Total
Commercial
Owner occupied real estate	$	215,874		$	7,623		$	4,883		$	—		$	228,380
Non owner occupied real estate		283,518			4,458			9,323			—			297,299
Residential development		2,027			—			—			—			2,027
Development & Spec Land Loans		12,018			79			—			—			12,097
Commercial and industrial		128,589			1,799			2,868			—			133,256
Total commercial		642,026			13,959			17,074			—			673,059
Real estate
Residential mortgage		236,893			—			5,628			—			242,521
Residential construction		11,239			—			266			—			11,505
Mortgage warehouse		129,156			—			—			—			129,156
Total real estate		377,288			—			5,894			—			383,182
Consumer
Direct Installment		39,900			—			237			—			40,137
Direct Installment Purchased		219			—			—			—			219
Indirect Installment		141,264			—			604			—			141,868
Home Equity		135,155			—			3,852			—			139,007
Total Consumer		316,538			—			4,693			—			321,231
Total	$	1,335,853		$	13,959		$	27,661		$	—		$	1,377,472
Percentage of total loans		96.98	%		1.01	%		2.01	%		0.00	%