Allowance For Loan Losses

3 Months Ended

Mar. 31, 2018

Allowance for Loan and Lease Losses Write-offs, Net [Abstract]

Allowance for Loan Losses

ALLOWANCE FOR LOAN LOSSES

An analysis of the allowance for loan losses for the three month period ended March 31, 2018 and for the year ended December 31, 2017 is as follows:

	March 31,		December 31,
Dollars in thousands	2018		2017
Balance, beginning of year	$	12,565	$	11,674
Charge-offs:
Commercial	39		23
Commercial real estate
Owner occupied	38		5
Non-owner occupied	500		65
Construction and development
Land and land development	—		3
Construction	—		33
Residential real estate
Non-jumbo	260		359
Jumbo	—		2
Home equity	—		158
Mortgage warehouse lines	—		—
Consumer	52		389
Other	71		251
Total	960		1,288
Recoveries:
Commercial	1		124
Commercial real estate
Owner occupied	6		89
Non-owner occupied	2		91
Construction and development
Land and land development	7		278
Construction	1		—
Residential real estate
Non-jumbo	53		134
Jumbo	—		—
Home equity	1		30
Mortgage warehouse lines	—		—
Consumer	44		82
Other	37		101
Total	152		929
Net charge-offs	808		359
Provision for loan losses	500		1,250
Balance, end of period	$	12,257	$	12,565

The following table presents the activity in the allowance for loan losses, balance in the allowance for loan losses and recorded investment in loans by portfolio segment and based on impairment during the first three months of 2018:

	Allowance for loan losses												Allowance related to:								Loans
	Beginning  Balance		Charge- offs			Recoveries		Provision			Ending Balance		Loans individua- lly evaluated  for impairm- ent		Loans collective- ly evaluated for impairm- ent		Loans acquired  with deteriora- ted credit quality (PCI)		Total		Loans individua- lly evaluated for impairm- ent		Loans collective- ly evaluated for impairm- ent		Loans acquired with deteriora- ted credit quality (PCI)		Total
Commercial	$	1,303	$	(39	)	$	1	$	(245	)	$	1,020	$	—	$	1,020	$	—	$	1,020	$	318	$	189,268	$	—	$	189,586
Commercial real estate
Owner occupied	2,424		(38		)	6		91			2,483		124		2,359		—		2,483		9,474		254,912		689		265,075
Non-owner occupied	4,950		(500		)	2		581			5,033		24		5,008		1		5,033		10,081		487,048		1,316		498,445
Construction and development
Land and land development	641		—			7		37			685		515		170		—		685		6,472		60,369		—		66,841
Construction	153		—			1		5			159		—		159		—		159		—		33,327		—		33,327
Residential real estate
Non-jumbo	1,911		(260		)	53		285			1,989		192		1,792		5		1,989		6,138		338,886		1,453		346,477
Jumbo	72		—			—		302			374		13		361		—		374		4,354		61,822		993		67,169
Home equity	638		—			1		(459		)	180		—		180		—		180		523		82,859		—		83,382
Mortgage warehouse lines	—		—			—		—			—		—		—		—		—		—		45,702		—		45,702
Consumer	210		(52		)	44		(40		)	162		—		162		—		162		15		34,810		—		34,825
Other	263		(71		)	37		(57		)	172		—		172		—		172		—		12,578		—		12,578
Total	$	12,565	$	(960	)	$	152	$	500		$	12,257	$	868	$	11,383	$	6	$	12,257	$	37,375	$	1,601,581	$	4,451	$	1,643,407