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Allowance for Loan Losses (Tables)
 3 Months Ended
Mar. 31, 2019
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 using the highest of the one, two or five-year historical loss experience is an appropriate methodology 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
 
 
 
2019
 
 
2018
 
 
 
(Unaudited)
 
 
(Unaudited)
 
Balance at beginning of the period
 
$
17,820
 
 
$
16,394
 
Loans charged-off:
 
 
 
 
 
 
 
 
Commercial
 
 
 
 
 
 
 
 
Owner occupied real estate
 
 
1
 
 
 
13
 
Non-owner occupied real estate
 
 
64
 
 
 
—
 
Residential spec homes
 
 
—
 
 
 
—
 
Development & spec land
 
 
—
 
 
 
—
 
Commercial and industrial
 
 
12
 
 
 
—
 
Total commercial
 
 
77
 
 
 
13
 
Real estate
 
 
 
 
 
 
 
 
Residential mortgage
 
 
—
 
 
 
12
 
Residential construction
 
 
—
 
 
 
—
 
Mortgage warehouse
 
 
—
 
 
 
—
 
Total real estate
 
 
—
 
 
 
12
 
Consumer
 
 
 
 
 
 
 
 
Direct installment
 
 
28
 
 
 
55
 
Indirect installment
 
 
540
 
 
 
505
 
Home equity
 
 
16
 
 
 
131
 
Total consumer
 
 
584
 
 
 
691
 
Total loans charged-off
 
 
661
 
 
 
716
 
Recoveries of loans previously charged-off:
 
 
 
 
 
 
 
 
Commercial
 
 
 
 
 
 
 
 
Owner occupied real estate
 
 
—
 
 
 
12
 
Non-owner occupied real estate
 
 
6
 
 
 
5
 
Residential spec homes
 
 
2
 
 
 
2
 
Development & spec land
 
 
—
 
 
 
—
 
Commercial and industrial
 
 
8
 
 
 
32
 
Total commercial
 
 
16
 
 
 
51
 
Real estate
 
 
 
 
 
 
 
 
Residential mortgage
 
 
27
 
 
 
6
 
Residential construction
 
 
—
 
 
 
—
 
Mortgage warehouse
 
 
—
 
 
 
—
 
Total real estate
 
 
27
 
 
 
6
 
Consumer
 
 
 
 
 
 
 
 
Direct installment
 
 
11
 
 
 
11
 
Indirect installment
 
 
201
 
 
 
139
 
Home equity
 
 
43
 
 
 
22
 
Total consumer
 
 
255
 
 
 
172
 
Total loan recoveries
 
 
298
 
 
 
229
 
Net loans charged-off
 
 
363
 
 
 
487
 
Provision charged to operating expense
 
 
 
 
 
 
 
 
Commercial
 
 
1,122
 
 
 
(1,291
)
Real estate
 
 
(107
)
 
 
(252
)
Consumer
 
 
(651
)
 
 
2,110
 
Total provision charged to operating expense
 
 
364
 
 
 
567
 
Balance at the end of the period
 
$
17,821
 
 
$
16,474
 
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, 2019
 
 
 
Commercial
 
 
Real

Estate
 
 
Mortgage

Warehousing
 
 
Consumer
 
 
Total
 
Allowance For Loan Losses
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Ending allowance balance attributable to loans:
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Individually evaluated for impairment
 
$
915
 
 
$
—
 
 
$
—
 
 
$
—
 
 
$
915
 
Collectively evaluated for impairment
 
 
10,641
 
 
 
1,588
 
 
 
1,014
 
 
 
3,663
 
 
 
16,906
 
Loans acquired with deteriorated credit quality
 
 
—
 
 
 
—
 
 
 
—
 
 
 
—
 
 
 
—
 
Total ending allowance balance
 
$
11,556
 
 
$
1,588
 
 
$
1,014
 
 
$
3,663
 
 
$
17,821
 
Loans:
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Individually evaluated for impairment
 
$
6,233
 
 
$
—
 
 
$
—
 
 
$
—
 
 
$
6,233
 
Collectively evaluated for impairment
 
 
2,087,011
 
 
 
821,767
 
 
 
71,944
 
 
 
637,206
 
 
 
3,617,928
 
Loans acquired with deteriorated credit quality
 
 
—
 
 
 
—
 
 
 
—
 
 
 
—
 
 
 
—
 
Total ending loans balance
 
$
2,093,244
 
 
$
821,767
 
 
$
71,944
 
 
$
637,206
 
 
$
3,624,161
 
 
 
 
 
December 31, 2018
 
 
 
Commercial
 
 
Real

Estate
 
 
Mortgage

Warehousing
 
 
Consumer
 
 
Total
 
Allowance For Loan Losses
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Ending allowance balance attributable to loans:
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Individually evaluated for impairment
 
$
1,035
 
 
$
—
 
 
$
—
 
 
$
—
 
 
$
1,035
 
Collectively evaluated for impairment
 
 
9,460
 
 
 
1,676
 
 
 
1,006
 
 
 
4,643
 
 
 
16,785
 
Loans acquired with deteriorated credit quality
 
 
—
 
 
 
—
 
 
 
—
 
 
 
—
 
 
 
—
 
Total ending allowance balance
 
$
10,495
 
 
$
1,676
 
 
$
1,006
 
 
$
4,643
 
 
$
17,820
 
Loans:
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Individually evaluated for impairment
 
$
6,708
 
 
$
—
 
 
$
—
 
 
$
—
 
 
$
6,708
 
Collectively evaluated for impairment
 
 
1,718,661
 
 
 
670,166
 
 
 
74,120
 
 
 
547,116
 
 
 
3,010,063
 
Loans acquired with deteriorated credit quality
 
 
—
 
 
 
—
 
 
 
—
 
 
 
—
 
 
 
—
 
Total ending loans balance
 
$
1,725,369
 
 
$
670,166
 
 
$
74,120
 
 
$
547,116
 
 
$
3,016,771