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Loans (Tables)
 12 Months Ended
Dec. 31, 2017
Receivables [Abstract]  
Schedule of loans, excluding loans held for sale
Loans, excluding loans held for sale, at December 31, 2017 and 2016 were comprised of the following (dollars in thousands):
 
December 31,
 
2017
 
2016
Commercial
$
251,666

 
$
208,717

Commercial real estate:
 

 
 

Construction and land development
123,147

 
114,258

Commercial real estate
637,701

 
510,960

Residential real estate:
 

 
 

Residential
209,326

 
215,104

Home equity
109,857

 
110,751

Consumer
4,428

 
5,031

Total loans
$
1,336,125

 
$
1,164,821
Schedule stating outstanding principal balance and the carrying amount of loan acquired
The outstanding principal balance and the carrying amount of these loans, including ASC 310-30, included in the consolidated balance sheets at December 31, 2017 and 2016 are as follows (dollars in thousands):
 
2017
 
2016
Outstanding principal balance
$
79,523

 
$
104,172

Carrying amount
73,796

 
96,487

The outstanding principal balance and related carrying amount of acquired impaired loans, for which the Company applies ASC 310-30 to account for interest earned, at December 31, 2017 and 2016 are as follows (dollars in thousands):
 
2017
 
2016
Outstanding principal balance
$
27,876

 
$
34,378

Carrying amount
23,430

 
28,669
Schedule of changes in the accretable discount on acquired loans
The following table presents changes in the accretable yield on acquired impaired loans, for which the Company applies ASC 310-30, for the years ended December 31, 2017, 2016, and 2015 (dollars in thousands):
 
2017
 
2016
 
2015
Balance at January 1
$
6,103

 
$
7,299

 
$
1,440

Additions from merger with MainStreet
—

 
—

 
7,140

Accretion
(3,117
)
 
(3,232
)
 
(4,313
)
Reclassification from nonaccretable difference
1,006

 
2,197

 
238

Other changes, net
898

 
(161
)
 
2,794

Balance at December 31
$
4,890

 
$
6,103

 
$
7,299
Schedule of analysis by portfolio segment of the entity's past due loans
The following table shows an analysis by portfolio segment of the Company's past due loans at December 31, 2017 (dollars in thousands):
 
30- 59 Days
Past Due
 
60-89 Days
Past Due
 
90 Days +
Past Due
and Still
Accruing
 
Non-
Accrual
Loans
 
Total
Past
Due
 
Current
 
Total
Loans
Commercial
$
92

 
$
—

 
$
—

 
$
90

 
$
182

 
$
251,484

 
$
251,666

Commercial real estate:
 

 
 

 
 

 
 

 
 

 
 

 
 

Construction and land development
—

 
—

 
—

 
36

 
36

 
123,111

 
123,147

Commercial real estate
86

 
—

 
280

 
489

 
855

 
636,846

 
637,701

Residential:
 

 
 

 
 

 
 

 
 

 
 

 
 

Residential
282

 
71

 
79

 
1,343

 
1,775

 
207,551

 
209,326

Home equity
141

 
16

 
—

 
243

 
400

 
109,457

 
109,857

Consumer
21

 
5

 
—

 
—

 
26

 
4,402

 
4,428

Total
$
622

 
$
92

 
$
359

 
$
2,201

 
$
3,274

 
$
1,332,851

 
$
1,336,125

The following table shows an analysis by portfolio segment of the Company's past due loans at December 31, 2016 (dollars in thousands):
 
30- 59 Days
Past Due
 
60-89 Days
Past Due
 
90 Days +
Past Due
and Still
Accruing
 
Non-
Accrual
Loans
 
Total
Past
Due
 
Current
 
Total
Loans
Commercial
$
50

 
$
—

 
$
—

 
$
19

 
$
69

 
$
208,648

 
$
208,717

Commercial real estate:
 

 
 

 
 

 
 

 
 

 
 

 
 

Construction and land development
60

 
12

 
—

 
64

 
136

 
114,122

 
114,258

Commercial real estate
—

 
127

 
339

 
773

 
1,239

 
509,721

 
510,960

Residential:
 

 
 

 
 

 
 

 
 

 
 

 
 

Residential
1,280

 
117

 
248

 
1,802

 
3,447

 
211,657

 
215,104

Home equity
229

 
—

 
—

 
289

 
518

 
110,233

 
110,751

Consumer
6

 
5

 
—

 
18

 
29

 
5,002

 
5,031

Total
$
1,625

 
$
261

 
$
587

 
$
2,965

 
$
5,438

 
$
1,159,383

 
$
1,164,821
Schedule of impaired loan balances by portfolio segment
The following table presents the Company's impaired loan balances by portfolio segment, excluding acquired impaired loans, at December 31, 2017 (dollars in thousands):
 
Recorded
Investment
 
Unpaid
Principal
Balance
 
Related
Allowance
 
Average
Recorded
Investment
 
Interest
Income
Recognized
With no related allowance recorded:
 
 
 
 
 
 
 
 
 
Commercial
$
4

 
$
4

 
$
—

 
$
19

 
$
1

Commercial real estate:
 

 
 

 
 

 
 

 
 

Construction and land development
—

 
—

 
—

 
56

 
4

Commercial real estate
791

 
789

 
—

 
1,069

 
66

Residential:
 

 
 

 
 

 
 

 
 

Residential
717

 
719

 
—

 
575

 
41

Home equity
142

 
142

 
—

 
109

 
10

Consumer
5

 
5

 
—

 
6

 
1

 
$
1,659

 
$
1,659

 
$
—

 
$
1,834

 
$
123

With a related allowance recorded:
 

 
 

 
 

 
 

 
 

Commercial
$
202

 
$
201

 
$
154

 
$
150

 
$
16

Commercial real estate:
 

 
 

 
 

 
 

 
 

Construction and land development*
37

 
37

 
—

 
56

 
—

Commercial real estate*
34

 
32

 
—

 
126

 
11

Residential
 

 
 

 
 

 
 

 
 

Residential
1,022

 
1,022

 
12

 
1,174

 
27

Home equity
263

 
261

 
1

 
251

 
1

Consumer*
—

 
—

 
—

 
5

 
—

 
$
1,558

 
$
1,553

 
$
167

 
$
1,762

 
$
55

Total:
 

 
 

 
 

 
 

 
 

Commercial
$
206

 
$
205

 
$
154

 
$
169

 
$
17

Commercial real estate:
 

 
 

 
 

 
 

 
 

Construction and land development
37

 
37

 
—

 
112

 
4

Commercial real estate
825

 
821

 
—

 
1,195

 
77

Residential:
 

 
 

 
 

 
 

 
 

Residential
1,739

 
1,741

 
12

 
1,749

 
68

Home equity
405

 
403

 
1

 
360

 
11

Consumer
5

 
5

 
—

 
11

 
1

 
$
3,217

 
$
3,212

 
$
167

 
$
3,596

 
$
178

*Allowance is reported as zero in the table due to presentation in thousands and rounding.
In the table above, recorded investment may exceed unpaid principal balance due to acquired loans with a premium and loans where unearned costs exceed unearned fees.
The following table presents the Company's impaired loan balances by portfolio segment, excluding acquired impaired loans, at December 31, 2016 (dollars in thousands):
 
Recorded
Investment
 
Unpaid
Principal
Balance
 
Related
Allowance
 
Average
Recorded
Investment
 
Interest
Income
Recognized
With no related allowance recorded:
 
 
 
 
 
 
 
 
 
Commercial
$
24

 
$
24

 
$
—

 
$
12

 
$
2

Commercial real estate:
 

 
 

 
 

 
 

 
 

Construction and land development
158

 
157

 
—

 
198

 
16

Commercial real estate
1,916

 
1,917

 
—

 
1,409

 
107

Residential:
 

 
 

 
 

 
 

 
 

Residential
557

 
567

 
—

 
318

 
38

Home equity
6

 
6

 
—

 
153

 
16

Consumer
9

 
9

 
—

 
10

 
1

 
$
2,670

 
$
2,680

 
$
—

 
$
2,100

 
$
180

With a related allowance recorded:
 

 
 

 
 

 
 

 
 

Commercial*
$
19

 
$
19

 
$
—

 
$
78

 
$
1

Commercial real estate:
 

 
 

 
 

 
 

 
 

Construction and land development*
64

 
65

 
—

 
272

 
10

Commercial real estate*
48

 
48

 
—

 
286

 
7

Residential:
 

 
 

 
 

 
 

 
 

Residential
1,639

 
1,639

 
22

 
1,593

 
32

Home equity
386

 
385

 
1

 
345

 
4

Consumer*
18

 
18

 
—

 
14

 
—

 
$
2,174

 
$
2,174

 
$
23

 
$
2,588

 
$
54

Total:
 

 
 

 
 

 
 

 
 

Commercial
$
43

 
$
43

 
$
—

 
$
90

 
$
3

Commercial real estate:
 

 
 

 
 

 
 

 
 

Construction and land development
222

 
222

 
—

 
470

 
26

Commercial real estate
1,964

 
1,965

 
—

 
1,695

 
114

Residential:
 

 
 

 
 

 
 

 
 

Residential
2,196

 
2,206

 
22

 
1,911

 
70

Home equity
392

 
391

 
1

 
498

 
20

Consumer
27

 
27

 
—

 
24

 
1

 
$
4,844

 
$
4,854

 
$
23

 
$
4,688

 
$
234


*Allowance is reported as zero in the table due to presentation in thousands and rounding.
Schedule of detail of loans modified as troubled debt restructurings
The following table shows the detail of loans modified as TDRs during the year ended December 31, 2017, 2016, and 2015, included in the impaired loan balances (dollars in thousands):
 
Loans Modified as a TDR for the Year Ended December 31, 2017
 
Number of
Contracts
 
Pre-Modification
Outstanding Recorded
Investment
 
Post-Modification
Outstanding Recorded
Investment
Commercial
5

 
$
212

 
$
212

Commercial real estate
—

 
—

 
—

Home equity
2

 
57

 
57

Residential real estate
1

 
36

 
36

Consumer
—

 
—

 
—

Total
8

 
$
305

 
$
305

 
Loans Modified as a TDR for the Year Ended December 31, 2016
 
Number of
Contracts
 
Pre-Modification
Outstanding Recorded
Investment
 
Post-Modification
Outstanding Recorded
Investment
Commercial
2

 
$
24

 
$
24

Commercial real estate
2

 
1,005

 
1,003

Home equity
—

 
—

 
—

Residential real estate
4

 
322

 
312

Consumer
—

 
—

 
—

Total
8

 
$
1,351

 
$
1,339

 
Loans Modified as a TDR for the Year Ended December 31, 2015
 
Number of
Contracts
 
Pre-Modification
Outstanding Recorded
Investment
 
Post-Modification
Outstanding Recorded
Investment
Commercial
—

 
$
—

 
$
—

Commercial real estate
3

 
394

 
394

Home equity
1

 
107

 
105

Residential real estate
4

 
596

 
583

Consumer
—

 
—

 
—

Total
8

 
$
1,097

 
$
1,082
Schedule of primary reason for troubled debt modifications
The following table summarizes the primary reason certain loan modifications were classified as TDRs and includes newly designated TDRs as well as modifications made to existing TDRs. Rate modifications include TDRs made with below market interest rates that also include modifications of loan structures (dollars in thousands):
 
Year Ended December 31,
 
2017
 
2016
 
2015
 
Type of Modification
 
ALLL
 
Type of Modification
 
ALLL
 
Type of Modification
 
ALLL
 
Rate
 
Structure
 
Impact
 
Rate
 
Structure
 
Impact
 
Rate
 
Structure
 
Impact
Commercial
$
—

 
$
212

 
$
137

 
$
—

 
$
24

 
$
—

 
$
—

 
$
—

 
$
—

Commercial real estate
—

 
—

 
—

 
—

 
1,003

 
—

 
—

 
394

 
—

Home equity
—

 
57

 
1

 
—

 
—

 
—

 
105

 
—

 
1

Residential real estate
—

 
36

 
—

 
—

 
312

 
1

 
—

 
583

 
19

Consumer
—

 
—

 
—

 
—

 
—

 
—

 
—

 
—

 
—

Total
$
—

 
$
305

 
$
138

 
$
—

 
$
1,339

 
$
1

 
$
105

 
$
977

 
$
20
Schedule of commercial loan portfolio broken down by internal risk grading
The following table shows the Company's loan portfolio broken down by internal risk grading as of December 31, 2016 (dollars in thousands):
Commercial and Consumer Credit Exposure
Credit Risk Profile by Internally Assigned Grade
 
Commercial
 
Construction and Land Development
 
Commercial
Real Estate
 
Residential Real Estate
 
Home
Equity
Pass
$
208,098

 
$
112,729

 
$
501,081

 
$
199,278

 
$
108,799

Special Mention
592

 
902

 
4,859

 
10,600

 
1,257

Substandard
27

 
627

 
5,020

 
5,226

 
695

Doubtful
—

 
—

 
—

 
—

 
—

Total
$
208,717

 
$
114,258

 
$
510,960

 
$
215,104

 
$
110,751

Consumer Credit Exposure
Credit Risk Profile Based on Payment Activity
 
Consumer
Performing
$
5,003

Nonperforming
28

Total
$
5,031

The following table shows the Company's loan portfolio broken down by internal risk grading as of December 31, 2017 (dollars in thousands):
Commercial and Consumer Credit Exposure
Credit Risk Profile by Internally Assigned Grade
 
Commercial
 
Construction and Land Development
 
Commercial Real Estate
 
Residential Real Estate
 
Home Equity
Pass
$
248,714

 
$
114,502

 
$
625,861

 
$
200,405

 
$
107,705

Special Mention
1,763

 
7,114

 
6,914

 
4,438

 
1,325

Substandard
1,189

 
1,531

 
4,926

 
4,483

 
827

Doubtful
—

 
—

 
—

 
—

 
—

Total
$
251,666

 
$
123,147

 
$
637,701

 
$
209,326

 
$
109,857

Consumer Credit Exposure
Credit Risk Profile Based on Payment Activity
 
Consumer
Performing
$
4,415

Nonperforming
13

Total
$
4,428