Non-performing Loans and Impaired Loans (Tables)

3 Months Ended

Mar. 31, 2017

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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, 2017	Non-accrual		Loans Past Due Over 90 Days Still Accruing		Non- Performing TDRs		Performing TDRs		Total Non- Performing Loans
Commercial
Owner occupied real estate	$	760	$	—	$	—	$	—	$	760
Non owner occupied real estate		387		—		—		—		387
Residential development		—		—		—		—		—
Development & Spec Land Loans		112		—		—		—		112
Commercial and industrial		121		150		—		—		271
Total commercial		1,380		150		—		—		1,530
Real estate
Residential mortgage		2,904		—		567		1,356		4,827
Residential construction		—		—		230		—		230
Mortgage warehouse		—		—		—		—		—
Total real estate		2,904		—		797		1,356		5,057
Consumer
Direct Installment		489		—		—		—		489
Direct Installment Purchased		—		—		—		—		—
Indirect Installment		690		69		—		—		759
Home Equity		1,481		26		201		291		1,999
Total Consumer		2,660		95		201		291		3,247
Total	$	6,944	$	245	$	998	$	1,647	$	9,834
December 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	$	1,532	$	183	$	—	$	—	$	1,715
Non owner occupied real estate		440		—		—		—		440
Residential development		—		—		—		—		—
Development & Spec Land Loans		118		—		—		—		118
Commercial and industrial		159		—		—		—		159
Total commercial		2,249		183		—		—		2,432
Real estate
Residential mortgage		2,959		—		576		1,254		4,789
Residential construction		—		—		233		—		233
Mortgage warehouse		—		—		—		—		—
Total real estate		2,959		—		809		1,254		5,022
Consumer
Direct Installment		512		—		—		—		512
Direct Installment Purchased		—		—		—		—		—
Indirect Installment		659		49		—		—		708
Home Equity		1,557		9		205		238		2,009
Total Consumer		2,728		58		205		238		3,229
Total	$	7,936	$	241	$	1,014	$	1,492	$	10,683

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, 2017	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	$	759	$	759	$	—	$	1,021	$	—
Non owner occupied real estate		387		387		—		393		—
Residential development		—		—		—		—		—
Development & Spec Land Loans		112		112		—		238		—
Commercial and industrial		121		121		—		350		—
Total commercial		1,379		1,379		—		2,002		—
With an allowance recorded
Commercial
Owner occupied real estate		—		—		—		—		—
Non owner occupied real estate		—		—		—		—		—
Residential development		—		—		—		—		—
Development & Spec Land Loans		—		—		—		—		—
Commercial and industrial		—		—		—		—		—
Total commercial		—		—		—		—		—
Total	$	1,379	$	1,379	$	—	$	2,002	$	—
							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

Payment Status by Class of Loan

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

March 31, 2017	30 - 59 Days Past Due			60 - 89 Days Past Due			90 Days or Greater Past Due			Total Past Due			Loans Not Past Due			Total
Commercial
Owner occupied real estate	$	1,523		$	—		$	—		$	1,523		$	337,818		$	339,341
Non owner occupied real estate		103			92			—			195			475,571			475,766
Residential development		478			—			—			478			5,959			6,437
Development & Spec Land Loans		85			—			—			85			35,310			35,395
Commercial and industrial		415			—			150			565			245,137			245,702
Total commercial		2,604			92			150			2,846			1,099,795			1,102,641
Real estate
Residential mortgage		1,072			247			—			1,319			507,326			508,645
Residential construction		183			—			—			183			21,760			21,943
Mortgage warehouse		—			—			—			—			89,360			89,360
Total real estate		1,255			247			—			1,502			618,446			619,948
Consumer
Direct Installment		26			2			—			28			74,167			74,195
Direct Installment Purchased		—			—			—			—			99			99
Indirect Installment		707			193			69			969			165,833			166,802
Home Equity		326			40			26			392			177,159			177,551
Total consumer		1,059			235			95			1,389			417,258			418,647
Total	$	4,918		$	574		$	245		$	5,737		$	2,135,499		$	2,141,236
Percentage of total loans		0.23	%		0.03	%		0.01	%		0.27	%		99.73	%
December 31, 2016	30 - 59 Days Past Due			60 - 89 Days Past Due			90 Days or Greater Past Due			Total Past Due			Loans Not Past Due			Total
Commercial
Owner occupied real estate	$	1,068		$	—		$	183		$	1,251		$	336,297		$	337,548
Non owner occupied real estate		357			—			—			357			461,540			461,897
Residential development		—			—			—			—			5,006			5,006
Development & Spec Land Loans		1			—			—			1			31,227			31,228
Commercial and industrial		982			—			—			982			229,538			230,520
Total commercial		2,408			—			183			2,591			1,063,608			1,066,199
Real estate
Residential mortgage		886			123			—			1,009			507,224			508,233
Residential construction		—			—			—			—			20,611			20,611
Mortgage warehouse		—			—			—			—			135,727			135,727
Total real estate		886			123			—			1,009			663,562			664,571
Consumer
Direct Installment		139			4			—			143			71,007			71,150
Direct Installment Purchased		—			—			—			—			119			119
Indirect Installment		1,339			237			49			1,625			151,579			153,204
Home Equity		912			267			9			1,188			173,938			175,126
Total consumer		2,390			508			58			2,956			396,643			399,599
Total	$	5,684		$	631		$	241		$	6,556		$	2,123,813		$	2,130,369
Percentage of total loans		0.27	%		0.03	%		0.01	%		0.31	%		99.69	%

Loans by Credit Grades

The following table presents loans by credit grades.

March 31, 2017	Pass			Special Mention			Substandard			Doubtful			Total
Commercial
Owner occupied real estate	$	324,596		$	4,311		$	10,434		$	—		$	339,341
Non owner occupied real estate		469,602			338			5,826			—			475,766
Residential development		6,437			—			—			—			6,437
Development & Spec Land Loans		35,213			—			182			—			35,395
Commercial and industrial		233,988			4,916			6,798			—			245,702
Total commercial		1,069,836			9,565			23,240			—			1,102,641
Real estate
Residential mortgage		503,818			—			4,827			—			508,645
Residential construction		21,713			—			230			—			21,943
Mortgage warehouse		89,360			—			—			—			89,360
Total real estate		614,891			—			5,057			—			619,948
Consumer
Direct Installment		73,706			—			489			—			74,195
Direct Installment Purchased		99			—			—			—			99
Indirect Installment		166,043			—			759			—			166,802
Home Equity		175,552			—			1,999			—			177,551
Total Consumer		415,400			—			3,247			—			418,647
Total	$	2,100,127		$	9,565		$	31,544		$	—		$	2,141,236
Percentage of total loans		98.08	%		0.45	%		1.47	%		0.00	%
December 31, 2016	Pass			Special Mention			Substandard			Doubtful			Total
Commercial
Owner occupied real estate	$	322,924		$	4,960		$	9,664		$	—		$	337,548
Non owner occupied real estate		455,648			341			5,908			—			461,897
Residential development		5,006			—			—			—			5,006
Development & Spec Land Loans		31,057			—			171			—			31,228
Commercial and industrial		220,424			3,728			6,368			—			230,520
Total commercial		1,035,059			9,029			22,111			—			1,066,199
Real estate
Residential mortgage		503,444			—			4,789			—			508,233
Residential construction		20,378			—			233			—			20,611
Mortgage warehouse		135,727			—			—			—			135,727
Total real estate		659,549			—			5,022			—			664,571
Consumer
Direct Installment		70,638			—			512			—			71,150
Direct Installment Purchased		119			—			—			—			119
Indirect Installment		152,496			—			708			—			153,204
Home Equity		173,117			—			2,009			—			175,126
Total Consumer		396,370			—			3,229			—			399,599
Total	$	2,090,978		$	9,029		$	30,362		$	—		$	2,130,369
Percentage of total loans		98.15	%		0.42	%		1.43	%		0.00	%