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Allowance for Loan Losses (Tables)
 6 Months Ended
Jun. 30, 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
   
Six Months Ended
 
  
June 30
   
June 30
 
  
2019
   
2018
   
2019
   
2018
 
  
(Unaudited)
   
(Unaudited)
   
(Unaudited)
   
(Unaudited)
 
Balance at beginning of the period
  $
17,821
    $
16,474
    $
17,820
    $
16,394
 
Loans
charged-off:
   
     
     
     
 
Commercial
   
     
     
     
 
Owner occupied real estate
   
336
     
—  
      
337
     
13
 
Non-owner
occupied real estate
    
—
     
—  
      
64
     
—  
  
Residential spec homes
   
3
     
—  
      
3
     
—  
  
Development & spec land
   
—
     
—  
      
—
     
—  
  
Commercial and industrial
   
—
     
—  
      
12
     
—  
  
                                 
Total commercial
   
339
     
—  
      
416
     
13
 
Real estate
   
     
     
     
 
Residential mortgage
   
48
     
3
     
48
     
15
 
Residential construction
   
—
     
—  
      
—
     
—  
  
Mortgage warehouse
   
—
     
—  
      
—
     
—  
  
                                 
Total real estate
   
48
     
3
     
48
     
15
 
Consumer
   
     
     
     
 
Direct installment
   
37
     
49
     
65
     
104
 
Indirect installment
   
251
     
365
     
791
     
870
 
Home equity
   
39
     
—  
      
55
     
131
 
                                 
Total consumer
   
327
     
414
     
911
     
1,105
 
                                 
Total loans
charged-off
   
714
     
417
     
1,375
     
1,133
 
Recoveries of loans previously
charged-off:
   
     
     
     
 
Commercial
   
     
     
     
 
Owner occupied real estate
   
—
     
—  
      
—
     
12
 
Non-owner
occupied real estate
    
4
     
12
     
10
     
17
 
Residential spec homes
   
1
     
2
     
3
     
4
 
Development & spec land
   
—
     
—  
      
—
     
—  
  
Commercial and industrial
   
69
     
26
     
77
     
58
 
                                 
Total commercial
   
74
     
40
     
90
     
91
 
Real estate
   
     
     
     
 
Residential mortgage
   
7
     
5
     
34
     
11
 
Residential construction
   
—
     
—  
      
—
     
—  
  
Mortgage warehouse
   
—
     
—  
      
—
     
—  
  
                                 
Total real estate
   
7
     
5
     
34
     
11
 
Consumer
   
     
     
     
 
Direct installment
   
75
     
21
     
86
     
32
 
Indirect installment
   
182
     
132
     
383
     
271
 
Home equity
   
(36
 )    
181
     
7
     
203
 
                                 
Total consumer
   
221
     
334
     
476
     
506
 
                                 
Total loan recoveries
   
302
     
379
     
600
     
608
 
                                 
Net loans
charged-off
   
412
     
38
     
775
     
525
 
                                 
Provision charged to operating expense
   
     
     
     
 
Commercial
   
590
     
985
     
1,712
     
(306
 )
Real estate
   
211
     
(117
 )    
104
     
(369
 )
Consumer
   
95
     
(233
 )    
(556
 )    
1,877
 
                                 
Total provision charged to operating expense
   
896
     
635
     
1,260
     
1,202
 
                                 
Balance at the end of the period
  $
18,305
    $
17,071
    $
18,305
    $
17,071
 
                                 
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:
 
June 30, 2019
 
  
Commercial
   
Real Estate
   
Mortgage
Warehousing
   
Consumer
   
Total
 
Allowance For Loan Losses
   
     
     
     
     
 
Ending allowance balance attributable to loans:
   
     
     
     
     
 
Individually evaluated for impairment
  $
787
    $
—
    $
—
    $
—
    $
787
 
Collectively evaluated for impairment
   
11,094
     
1,732
     
1,040
     
3,652
     
17,518
 
Loans acquired with deteriorated credit quality
   
—
     
—
     
—
     
—
     
—
 
                                         
Total ending allowance balance
  $
11,881
    $
1,732
    $
1,040
    $
3,652
    $
18,305
 
                                         
Loans:
   
     
     
     
     
 
Individually evaluated for impairment
  $
8,641
    $
—
    $
—
    $
—
    $
8,641
 
Collectively evaluated for impairment
   
2,058,892
     
821,216
     
133,428
     
651,637
     
3,665,173
 
Loans acquired with deteriorated credit quality
   
—
     
—
     
—
     
—
     
—
 
                                         
Total ending loans balance
  $
2,067,533
    $
821,216
    $
133,428
    $
651,637
    $
3,673,814
 
                                         
 
                                         
 
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