Allowance for Loan Losses (Tables)

3 Months Ended

Mar. 31, 2017

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
	2017			2016
	(Unaudited)			(Unaudited)
Balance at beginning of the period	$	14,837		$	14,534
Loans charged-off:
Commercial
Owner occupied real estate		—			147
Non owner occupied real estate		—			299
Residential development		—			—
Development & Spec Land Loans		—			—
Commercial and industrial		—			39
Total commercial		—			485
Real estate
Residential mortgage		51			115
Residential construction		—			—
Mortgage warehouse		—			—
Total real estate		51			115
Consumer
Direct Installment		25			58
Direct Installment Purchased		—			—
Indirect Installment		285			276
Home Equity		50			175
Total consumer		360			509
Total loans charged-off		411			1,109
Recoveries of loans previously charged-off:
Commercial
Owner occupied real estate		—			25
Non owner occupied real estate		22			23
Residential development		2			2
Development & Spec Land Loans		—			—
Commercial and industrial		110			32
Total commercial		134			82
Real estate
Residential mortgage		13			32
Residential construction		—			—
Mortgage warehouse		—			—
Total real estate		13			32
Consumer
Direct Installment		17			16
Direct Installment Purchased		—			—
Indirect Installment		113			94
Home Equity		21			55
Total consumer		151			165
Total loan recoveries		298			279
Net loans charged-off (recovered)		113			830
Provision charged to operating expense
Commercial		887			(332	)
Real estate		(567	)		(592	)
Consumer		10			1,456
Total provision charged to operating expense		330			532
Balance at the end of the period	$	15,054		$	14,236

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, 2017	Commercial		Real Estate		Mortgage Warehousing		Consumer		Total
Allowance For Loan Losses
Ending allowance balance attributable to loans:
Individually evaluated for impairment	$	—	$	—	$	—	$	—	$	—
Collectively evaluated for impairment		7,600		1,697		1,042		4,715		15,054
Loans acquired with deteriorated credit quality		—		—		—		—		—
Total ending allowance balance	$	7,600	$	1,697	$	1,042	$	4,715	$	15,054
Loans:
Individually evaluated for impairment	$	1,379	$	—	$	—	$	—	$	1,379
Collectively evaluated for impairment		1,108,306		535,150		89,840		418,723		2,152,019
Loans acquired with deteriorated credit quality		—		—		—		—		—
Total ending loans balance	$	1,109,685	$	535,150	$	89,840	$	418,723	$	2,153,398
December 31, 2016	Commercial		Real Estate		Mortgage Warehousing		Consumer		Total
Allowance For Loan Losses
Ending allowance balance attributable to loans:
Individually evaluated for impairment	$	4	$	—	$	—	$	—	$	4
Collectively evaluated for impairment		6,575		2,090		1,254		4,914		14,833
Loans acquired with deteriorated credit quality		—		—		—		—		—
Total ending allowance balance	$	6,579	$	2,090	$	1,254	$	4,914	$	14,837
Loans:
Individually evaluated for impairment	$	2,250	$	—	$	—	$	—	$	2,250
Collectively evaluated for impairment		1,071,199		533,399		136,207		399,676		2,140,481
Loans acquired with deteriorated credit quality		—		—		—		—		—
Total ending loans balance	$	1,073,449	$	533,399	$	136,207	$	399,676	$	2,142,731