Non-performing Loans and Impaired Loans (Tables)

3 Months Ended

Mar. 31, 2016

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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 non-accrual, loans past due over 90 days still on accrual, and troubled debt restructured (“TDRs”) by class of loans:

March 31, 2016	Non-accrual		Loans Past Due Over 90 Days Still Accruing		Non- Performing TDRs		Performing TDRs		Total Non- Performing Loans
Commercial
Owner occupied real estate	$	1,089	$	—	$	—	$	—	$	1,089
Non owner occupied real estate		2,934		—		1,615		60		4,609
Residential development		—		—		—		—		—
Development & Spec Land Loans		—		—		—		—		—
Commercial and industrial		76		—		—		—		76
Total commercial		4,099		—		1,615		60		5,774
Real estate
Residential mortgage		3,950		1		815		962		5,728
Residential construction		—		—		246		—		246
Mortgage warehouse		—		—		—		—		—
Total real estate		3,950		1		1,061		962		5,974
Consumer
Direct Installment		496		—		—		—		496
Direct Installment Purchased		—		—		—		—		—
Indirect Installment		739		—		—		—		739
Home Equity		1,611		—		181		209		2,001
Total Consumer		2,846		—		181		209		3,236
Total	$	10,895	$	1	$	2,857	$	1,231	$	14,984
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

Commercial Loans Individually Evaluated for Impairment by Class of Loan

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

							Three Months Ending
March 31, 2016	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	$	1,089	$	1,089	$	—	$	1,106	$	—
Non owner occupied real estate		1,851		1,856		—		2,063		1
Residential development		—		—		—		—		—
Development & Spec Land Loans		—		—		—		—		—
Commercial and industrial		76		76		—		330		—
Total commercial		3,016		3,021		—		3,499		1
With an allowance recorded
Commercial
Owner occupied real estate		—		—		—		—		—
Non owner occupied real estate		2,757		2,767		900		2,767		—
Residential development		—		—		—		—		—
Development & Spec Land Loans		—		—		—		—		—
Commercial and industrial		—		—		—		—		—
Total commercial		2,757		2,767		900		2,767		—
Total	$	5,773	$	5,788	$	900	$	6,266	$	1
							Three Months Ending
March 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	$	1,076	$	1,077	$	—	$	1,329	$	2
Non owner occupied real estate		3,907		3,912		—		4,534		6
Residential development		—		—		—		—		—
Development & Spec Land Loans		—		—		—		—		—
Commercial and industrial		609		609		—		649		—
Total commercial		5,592		5,598		—		6,512		8
With an allowance recorded
Commercial
Owner occupied real estate		417		417		165		419		—
Non owner occupied real estate		1,590		1,590		184		1,590		—
Residential development		—		—		—		—		—
Development & Spec Land Loans		—		—		—		—		—
Commercial and industrial		942		942		680		949		—
Total commercial		2,949		2,949		1,029		2,958		—
Total	$	8,541	$	8,547	$	1,029	$	9,470	$	8

Payment Status by Class of Loan

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

March 31, 2016	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	$	161		$	158		$	—		$	319		$	264,580		$	264,899
Non owner occupied real estate		—			—			—			—			324,824			324,824
Residential development		—			—			—			—			7,011			7,011
Development & Spec Land Loans		—			—			—			—			19,961			19,961
Commercial and industrial		—			20			—			20			178,986			179,006
Total commercial		161			178			—			339			795,362			795,701
Real estate
Residential mortgage		498			—			1			499			420,923			421,422
Residential construction		—			—			—			—			19,020			19,020
Mortgage warehouse		—			—			—			—			119,876			119,876
Total real estate		498			—			1			499			559,819			560,318
Consumer
Direct Installment		51			9			—			60			56,707			56,767
Direct Installment Purchased		—			—			—			—			140			140
Indirect Installment		412			150			—			562			147,012			147,574
Home Equity		672			17			—			689			155,471			156,160
Total consumer		1,135			176			—			1,311			359,330			360,641
Total	$	1,794		$	354		$	1		$	2,149		$	1,714,511		$	1,716,660
Percentage of total loans		0.10	%		0.02	%		0.00	%		0.13	%		99.87	%
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	%

Loans by Credit Grades

The following table presents loans by credit grades.

March 31, 2016	Pass			Special Mention			Substandard			Doubtful			Total
Commercial
Owner occupied real estate	$	253,513		$	6,118		$	5,268		$	—		$	264,899
Non owner occupied real estate		317,121			2,709			4,994			—			324,824
Residential development		7,011			—			—			—			7,011
Development & Spec Land Loans		19,961			—			—			—			19,961
Commercial and industrial		172,960			1,997			4,049			—			179,006
Total commercial		770,566			10,824			14,311			—			795,701
Real estate
Residential mortgage		415,694			—			5,728			—			421,422
Residential construction		18,774			—			246			—			19,020
Mortgage warehouse		119,876			—			—			—			119,876
Total real estate		554,344			—			5,974			—			560,318
Consumer
Direct Installment		56,271			—			496			—			56,767
Direct Installment Purchased		140			—			—			—			140
Indirect Installment		146,835			—			739			—			147,574
Home Equity		154,159			—			2,001			—			156,160
Total Consumer		357,405			—			3,236			—			360,641
Total	$	1,682,315		$	10,824		$	23,521		$	—		$	1,716,660
Percentage of total loans		98.00	%		0.63	%		1.37	%		0.00	%