Allowance for Loan Losses (Tables)

3 Months Ended

Mar. 31, 2016

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
	March 31
	2016			2015
	(Unaudited)			(Unaudited)
Balance at beginning of the period	$	14,534		$	16,501
Loans charged-off:
Commercial
Owner occupied real estate		147			—
Non owner occupied real estate		299			16
Residential development		—			—
Development & Spec Land Loans		—			—
Commercial and industrial		39			—
Total commercial		485			16
Real estate
Residential mortgage		115			22
Residential construction		—			—
Mortgage warehouse		—			—
Total real estate		115			22
Consumer
Direct Installment		58			59
Direct Installment Purchased		—			—
Indirect Installment		276			369
Home Equity		175			200
Total consumer		509			628
Total loans charged-off		1,109			666
Recoveries of loans previously charged-off:
Commercial
Owner occupied real estate		25			8
Non owner occupied real estate		23			—
Residential development		2			—
Development & Spec Land Loans		—			—
Commercial and industrial		32			19
Total commercial		82			27
Real estate
Residential mortgage		32			2
Residential construction		—			—
Mortgage warehouse		—			—
Total real estate		32			2
Consumer
Direct Installment		16			29
Direct Installment Purchased		—			—
Indirect Installment		94			101
Home Equity		55			26
Total consumer		165			156
Total loan recoveries		279			185
Net loans charged-off (recovered)		830			481
Provision charged to operating expense
Commercial		(332	)		(45	)
Real estate		(592	)		933
Consumer		1,456			(274	)
Total provision charged to operating expense		532			614
Balance at the end of the period	$	14,236		$	16,634

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:

March 31, 2016	Commercial		Real Estate		Mortgage Warehousing		Consumer		Total
Allowance For Loan Losses
Ending allowance balance attributable to loans:
Individually evaluated for impairment	$	900	$	—	$	—	$	—	$	900
Collectively evaluated for impairment		5,560		1,794		1,014		4,968		13,336
Loans acquired with deteriorated credit quality		—		—		—		—		—
Total ending allowance balance	$	6,460	$	1,794	$	1,014	$	4,968	$	14,236
Loans:
Individually evaluated for impairment	$	5,788	$	—	$	—	$	—	$	5,788
Collectively evaluated for impairment		794,072		444,123		120,356		360,721		1,719,272
Loans acquired with deteriorated credit quality		—		—		—		—		—
Total ending loans balance	$	799,860	$	444,123	$	120,356	$	360,721	$	1,725,060
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