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Loans and Asset Quality Information (Tables) | 3 Months Ended
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Mar. 31, 2015
Loans and Asset Quality Information [Abstract] |
Summary of the major categories of total loans outstanding |
($ in thousands) |  | March 31, 2015 |  | December 31, 2014 |  | March 31, 2014
|  | Amount |  | Percentage |  | Amount |  | Percentage |  | Amount |  | Percentage
All loans (non-covered and covered): |  |  |  |  |  |  |  |  |  |  |  |
Commercial, financial, and agricultural |  | $ | 176,013 |  |  | 7% |  | $ | 160,878 |  |  | 7% |  | $ | 179,363 |  |  | 7%
Real estate – construction, land development & other land loans |  |  | 285,319 |  |  | 12% |  |  | 288,148 |  |  | 12% |  |  | 296,141 |  |  | 12%
Real estate – mortgage – residential (1-4 family) first mortgages |  |  | 776,313 |  |  | 33% |  |  | 789,871 |  |  | 33% |  |  | 829,671 |  |  | 34%
Real estate – mortgage – home equity loans / lines of credit |  |  | 223,679 |  |  | 9% |  |  | 223,500 |  |  | 9% |  |  | 229,167 |  |  | 9%
Real estate – mortgage – commercial and other |  |  | 885,282 |  |  | 37% |  |  | 882,127 |  |  | 37% |  |  | 857,327 |  |  | 35%
Installment loans to individuals |  |  | 48,010 |  |  | 2% |  |  | 50,704 |  |  | 2% |  |  | 54,849 |  |  | 3%
Subtotal |  |  | 2,394,616 |  |  | 100% |  |  | 2,395,228 |  |  | 100% |  |  | 2,446,518 |  |  | 100%
Unamortized net deferred loan costs |  |  | 783 |  |  |  |  |  |  | 946 |  |  |  |  |  |  | 759 |  |  |  |
Total loans |  | $ | 2,395,399 |  |  |  |  |  | $ | 2,396,174 |  |  |  |  |  | $ | 2,447,277 |  |  |  |
Summary of the major categories of non-covered loans outstanding |
($ in thousands) |  | March 31, 2015 |  | December 31, 2014 |  | March 31, 2014
|  | Amount |  | Percentage |  | Amount |  | Percentage |  | Amount |  | Percentage
Non-covered loans: |  |  |  |  |  |  |  |  |  |  |  |
Commercial, financial, and agricultural |  | $ | 174,516 |  |  | 8% |  | $ | 159,195 |  |  | 7% |  | $ | 176,597 |  |  | 8%
Real estate – construction, land development & other land loans |  |  | 279,780 |  |  | 12% |  |  | 282,604 |  |  | 13% |  |  | 269,216 |  |  | 12%
Real estate – mortgage – residential (1-4 family) first mortgages |  |  | 690,910 |  |  | 31% |  |  | 700,101 |  |  | 31% |  |  | 729,080 |  |  | 32%
Real estate – mortgage – home equity loans / lines of credit |  |  | 211,337 |  |  | 9% |  |  | 210,697 |  |  | 9% |  |  | 215,128 |  |  | 10%
Real estate – mortgage – commercial and other |  |  | 870,234 |  |  | 38% |  |  | 864,333 |  |  | 38% |  |  | 811,612 |  |  | 36%
Installment loans to individuals |  |  | 48,010 |  |  | 2% |  |  | 50,704 |  |  | 2% |  |  | 54,334 |  |  | 2%
Subtotal |  |  | 2,274,787 |  |  | 100% |  |  | 2,267,634 |  |  | 100% |  |  | 2,255,967 |  |  | 100%
Unamortized net deferred loan costs |  |  | 783 |  |  |  |  |  |  | 946 |  |  |  |  |  |  | 759 |  |  |  |
Total non-covered loans |  | $ | 2,275,570 |  |  |  |  |  | $ | 2,268,580 |  |  |  |  |  | $ | 2,256,726 |  |  |  |
Schedule of the carrying amount of the covered loans |
($ in thousands) |  | Impaired Purchased Loans – Carrying Value |  | Impaired Purchased Loans – Unpaid Principal Balance |  | Nonimpaired Purchased Loans – Carrying Value |  | Nonimpaired Purchased Loans - Unpaid Principal Balance |  | Total Covered Loans – Carrying Value |  | Total Covered Loans – Unpaid Principal Balance
Covered loans: |  |  |  |  |  |  |  |  |  |  |  |
Commercial, financial, and agricultural |  | $ | 63 |  |  | 121 |  |  | 1,434 |  |  | 1,426 |  |  | 1,497 |  |  | 1,547
Real estate – construction, land development & other land loans |  |  | 304 |  |  | 529 |  |  | 5,235 |  |  | 6,108 |  |  | 5,539 |  |  | 6,637
Real estate – mortgage – residential (1-4 family) first mortgages |  |  | 337 |  |  | 1,288 |  |  | 85,066 |  |  | 99,858 |  |  | 85,403 |  |  | 101,146
Real estate – mortgage – home equity loans / lines of credit |  |  | 12 |  |  | 19 |  |  | 12,330 |  |  | 14,356 |  |  | 12,342 |  |  | 14,375
Real estate – mortgage – commercial and other |  |  | 1,146 |  |  | 3,188 |  |  | 13,902 |  |  | 14,997 |  |  | 15,048 |  |  | 18,185
Total |  | $ | 1,862 |  |  | 5,145 |  |  | 117,967 |  |  | 136,745 |  |  | 119,829 |  |  | 141,890
($ in thousands) |  | Impaired Purchased Loans – Carrying Value |  | Impaired Purchased Loans – Unpaid Principal Balance |  | Nonimpaired Purchased Loans – Carrying Value |  | Nonimpaired Purchased Loans - Unpaid Principal Balance |  | Total Covered Loans – Carrying Value |  | Total Covered Loans – Unpaid Principal Balance
Covered loans: |  |  |  |  |  |  |  |  |  |  |  |
Commercial, financial, and agricultural |  | $ | 66 |  |  | 123 |  |  | 1,617 |  |  | 1,661 |  |  | 1,683 |  |  | 1,784
Real estate – construction, land development & other land loans |  |  | 309 |  |  | 534 |  |  | 5,235 |  |  | 6,471 |  |  | 5,544 |  |  | 7,005
Real estate – mortgage – residential (1-4 family) first mortgages |  |  | 362 |  |  | 1,298 |  |  | 89,408 |  |  | 104,678 |  |  | 89,770 |  |  | 105,976
Real estate – mortgage – home equity loans / lines of credit |  |  | 12 |  |  | 19 |  |  | 12,791 |  |  | 15,099 |  |  | 12,803 |  |  | 15,118
Real estate – mortgage – commercial and other |  |  | 1,201 |  |  | 3,209 |  |  | 16,593 |  |  | 17,789 |  |  | 17,794 |  |  | 20,998
Total |  | $ | 1,950 |  |  | 5,183 |  |  | 125,644 |  |  | 145,698 |  |  | 127,594 |  |  | 150,881
Schedule of activity in covered purchased nonimpaired loans |
($ in thousands) |  |
Carrying amount of nonimpaired covered loans at December 31, 2013 |  | $ | 207,167 |
Principal repayments |  |  | (50,183 | )
Transfers to foreclosed real estate |  |  | (5,061 | )
Transfers to non-covered loans due to expiration of loss-share agreement |  |  | (38,987 | )
Net loan (charge-offs) / recoveries |  |  | (3,301 | )
Accretion of loan discount |  |  | 16,009 |
Carrying amount of nonimpaired covered loans at December 31, 2014 |  |  | 125,644 |
Principal repayments |  |  | (8,942 | )
Transfers to foreclosed real estate |  |  | (505 | )
Net loan (charge-offs) / recoveries |  |  | 213 |
Accretion of loan discount |  |  | 1,557 |
Carrying amount of nonimpaired covered loans at March 31, 2015 |  | $ | 117,967 |
Schedule of activity in purchased impaired loans |
($ in thousands) Purchased Impaired Loans |  | Contractual Principal Receivable |  | Fair Market Value Adjustment – Write Down (Nonaccretable Difference) |  | Carrying Amount
Balance at December 31, 2013 |  | $ | 6,263 |  |  | 3,121 |  |  | 3,142
Change due to payments received |  |  | (599) |  |  | 227 |  |  | (826)
Change due to loan charge-off |  |  | (2) |  |  | 29 |  |  | (31)
Other |  |  | 197 |  |  | (115) |  |  | 312
Balance at December 31, 2014 |  |  | 5,859 |  |  | 3,262 |  |  | 2,597
Change due to payments received |  |  | (42) |  |  | 62 |  |  | (104)
Other |  |  | (3) |  |  | (3) |  |  | 
Balance at March 31, 2015 |  | $ | 5,814 |  |  | 3,321 |  |  | 2,493
Summary of nonperforming assets |
ASSET QUALITY DATA ($ in thousands) |  | March 31, 2015 |  | December 31, 2014 |  | March 31, 2014
Non-covered nonperforming assets |  |  |  |  |  |
Nonaccrual loans |  | $ | 47,416 |  | $ | 50,066 |  | $ | 44,129
Restructured loans - accruing |  |  | 33,997 |  |  | 35,493 |  |  | 26,335
Accruing loans > 90 days past due |  |  | — |  |  | — |  |  | —
Total non-covered nonperforming loans |  |  | 81,413 |  |  | 85,559 |  |  | 70,464
Foreclosed real estate |  |  | 8,978 |  |  | 9,771 |  |  | 11,740
Total non-covered nonperforming assets |  | $ | 90,391 |  | $ | 95,330 |  | $ | 82,204
Covered nonperforming assets |  |  |  |  |  |  |  |  |  |  |  |
Nonaccrual loans (1) |  | $ | 8,596 |  | $ | 10,508 |  | $ | 31,986
Restructured loans - accruing |  |  | 3,874 |  |  | 5,823 |  |  | 7,429
Accruing loans > 90 days past due |  |  | — |  |  | — |  |  | —
Total covered nonperforming loans |  |  | 12,470 |  |  | 16,331 |  |  | 39,415
Foreclosed real estate |  |  | 2,055 |  |  | 2,350 |  |  | 19,504
Total covered nonperforming assets |  | $ | 14,525 |  | $ | 18,681 |  | $ | 58,919
Total nonperforming assets |  | $ | 104,916 |  | $ | 114,011 |  | $ | 141,123
(1) | At March 31, 2015, December 31, 2014, and March 31, 2014, the contractual balance of the nonaccrual loans covered by FDIC loss share agreements was $14.1 million, $16.0 million, and $49.3 million, respectively.
Schedule of nonaccrual loans |
($ in thousands) |  | Non-covered |  | Covered |  | Total
Commercial, financial, and agricultural: |  |  |  |  |  |
Commercial – unsecured |  | $ | 217 |  |  | — |  |  | 217
Commercial – secured |  |  | 2,998 |  |  | — |  |  | 2,998
Secured by inventory and accounts receivable |  |  | 536 |  |  | 147 |  |  | 683
Real estate – construction, land development & other land loans |  |  | 6,796 |  |  | 1,024 |  |  | 7,820
Real estate – residential, farmland and multi-family |  |  | 23,371 |  |  | 5,042 |  |  | 28,413
Real estate – home equity lines of credit |  |  | 2,140 |  |  | 290 |  |  | 2,430
Real estate – commercial |  |  | 11,027 |  |  | 2,093 |  |  | 13,120
Consumer |  |  | 331 |  |  | — |  |  | 331
Total |  | $ | 47,416 |  |  | 8,596 |  |  | 56,012
($ in thousands) |  | Non-covered |  | Covered |  | Total
Commercial, financial, and agricultural: |  |  |  |  |  |
Commercial – unsecured |  | $ | 187 |  |  | 1 |  |  | 188
Commercial – secured |  |  | 2,927 |  |  | — |  |  | 2,927
Secured by inventory and accounts receivable |  |  | 454 |  |  | 103 |  |  | 557
Real estate – construction, land development & other land loans |  |  | 7,891 |  |  | 1,140 |  |  | 9,031
Real estate – residential, farmland and multi-family |  |  | 24,459 |  |  | 7,785 |  |  | 32,244
Real estate – home equity lines of credit |  |  | 2,573 |  |  | 278 |  |  | 2,851
Real estate – commercial |  |  | 11,070 |  |  | 1,201 |  |  | 12,271
Consumer |  |  | 505 |  |  | — |  |  | 505
Total |  | $ | 50,066 |  |  | 10,508 |  |  | 60,574
Schedule of analysis of the payment status of loans |
($ in thousands) |  | 30-59 Days Past Due |  | 60-89 Days Past Due |  | Nonaccrual Loans |  | Current |  | Total Loans Receivable
Non-covered loans |  |  |  |  |  |  |  |  |  |
Commercial, financial, and agricultural: |  |  |  |  |  |  |  |  |  |
Commercial - unsecured |  | $ | 172 |  |  | 33 |  |  | 217 |  |  | 36,102 |  |  | 36,524
Commercial - secured |  |  | 1,097 |  |  | 235 |  |  | 2,998 |  |  | 116,571 |  |  | 120,901
Secured by inventory and accounts receivable |  |  | — |  |  | 21 |  |  | 536 |  |  | 23,939 |  |  | 24,496
Real estate – construction, land development & other land loans |  |  | 2,219 |  |  | 1,207 |  |  | 6,796 |  |  | 246,629 |  |  | 256,851
Real estate – residential, farmland, and multi-family |  |  | 13,902 |  |  | 2,268 |  |  | 23,371 |  |  | 799,110 |  |  | 838,651
Real estate – home equity lines of credit |  |  | 497 |  |  | 301 |  |  | 2,140 |  |  | 196,238 |  |  | 199,176
Real estate - commercial |  |  | 1,171 |  |  | 1,318 |  |  | 11,027 |  |  | 743,502 |  |  | 757,018
Consumer |  |  | 345 |  |  | 198 |  |  | 331 |  |  | 40,296 |  |  | 41,170
Total non-covered |  | $ | 19,403 |  |  | 5,581 |  |  | 47,416 |  |  | 2,202,387 |  |  | 2,274,787
Unamortized net deferred loan costs |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 783
Total non-covered loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $ | 2,275,570
Covered loans |  | $ | 4,359 |  |  | — |  |  | 8,596 |  |  | 106,874 |  |  | 119,829
Total loans |  | $ | 23,762 |  |  | 5,581 |  |  | 56,012 |  |  | 2,309,261 |  |  | 2,395,399
($ in thousands) |  | 30-59 Days Past Due |  | 60-89 Days Past Due |  | Nonaccrual Loans |  | Current |  | Total Loans Receivable
Non-covered loans |  |  |  |  |  |  |  |  |  |
Commercial, financial, and agricultural: |  |  |  |  |  |  |  |  |  |
Commercial - unsecured |  | $ | 191 |  |  | 35 |  |  | 187 |  |  | 36,871 |  |  | 37,284
Commercial - secured |  |  | 1,003 |  |  | 373 |  |  | 2,927 |  |  | 102,671 |  |  | 106,974
Secured by inventory and accounts receivable |  |  | 30 |  |  | 225 |  |  | 454 |  |  | 21,761 |  |  | 22,470
Real estate – construction, land development & other land loans |  |  | 1,950 |  |  | 139 |  |  | 7,891 |  |  | 247,535 |  |  | 257,515
Real estate – residential, farmland, and multi-family |  |  | 11,272 |  |  | 3,218 |  |  | 24,459 |  |  | 807,884 |  |  | 846,833
Real estate – home equity lines of credit |  |  | 1,585 |  |  | 352 |  |  | 2,573 |  |  | 194,067 |  |  | 198,577
Real estate - commercial |  |  | 3,738 |  |  | 996 |  |  | 11,070 |  |  | 738,981 |  |  | 754,785
Consumer |  |  | 695 |  |  | 131 |  |  | 505 |  |  | 41,865 |  |  | 43,196
Total non-covered |  | $ | 20,464 |  |  | 5,469 |  |  | 50,066 |  |  | 2,191,635 |  |  | 2,267,634
Unamortized net deferred loan costs |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 946
Total non-covered loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $ | 2,268,580
Covered loans |  | $ | 4,385 |  |  | 964 |  |  | 10,508 |  |  | 111,737 |  |  | 127,594
Total loans |  | $ | 24,849 |  |  | 6,433 |  |  | 60,574 |  |  | 2,303,372 |  |  | 2,396,174
Schedule of impaired loans individually evaluated |
($ in thousands) |  | Recorded Investment |  |  | Unpaid Principal Balance |  |  | Related Allowance |  |  | Average Recorded Investment |
Non-covered loans with no related allowance recorded: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial, financial, and agricultural: |  |  |  |  |  |  |  |
Commercial - unsecured |  | $ | 32 |  |  |  | 35 |  |  |  | − |  |  |  | 33 |
Commercial - secured |  |  | 18 |  |  |  | 19 |  |  |  | − |  |  |  | 12 |
Secured by inventory and accounts receivable |  |  | − |  |  |  | − |  |  |  | − |  |  |  | − |
Real estate – construction, land development & other land loans |  |  | 4,775 |  |  |  | 6,105 |  |  |  | − |  |  |  | 5,826 |
Real estate – residential, farmland, and multi-family |  |  | 9,771 |  |  |  | 11,215 |  |  |  | − |  |  |  | 9,468 |
Real estate – home equity lines of credit |  |  | − |  |  |  | − |  |  |  | − |  |  |  | 238 |
Real estate – commercial |  |  | 17,827 |  |  |  | 21,824 |  |  |  | − |  |  |  | 17,618 |
Consumer |  |  | − |  |  |  | − |  |  |  | − |  |  |  | 4 |
Total non-covered impaired loans with no allowance |  | $ | 32,423 |  |  |  | 39,198 |  |  |  | − |  |  |  | 33,199 |
Total covered impaired loans with no allowance |  | $ | 5,266 |  |  |  | 9,417 |  |  |  | − |  |  |  | 6,682 |
Total impaired loans with no allowance recorded |  | $ | 37,689 |  |  |  | 48,615 |  |  |  | − |  |  |  | 39,881 |
Non-covered loans with an allowance recorded: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial, financial, and agricultural: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial - unsecured |  | $ | 166 |  |  |  | 170 |  |  |  | 48 |  |  |  | 153 |
Commercial - secured |  |  | 584 |  |  |  | 595 |  |  |  | 83 |  |  |  | 595 |
Secured by inventory and accounts receivable |  |  | − |  |  |  | − |  |  |  | − |  |  |  | − |
Real estate – construction, land development & other land loans |  |  | 1,945 |  |  |  | 4,255 |  |  |  | 415 |  |  |  | 1,530 |
Real estate – residential, farmland, and multi-family |  |  | 13,756 |  |  |  | 14,204 |  |  |  | 1,690 |  |  |  | 14,301 |
Real estate – home equity lines of credit |  |  | − |  |  |  | − |  |  |  | − |  |  |  | − |
Real estate – commercial |  |  | 3,308 |  |  |  | 3,389 |  |  |  | 505 |  |  |  | 3,405 |
Consumer |  |  | − |  |  |  | − |  |  |  | − |  |  |  | − |
Total non-covered impaired loans with allowance |  | $ | 19,759 |  |  |  | 22,613 |  |  |  | 2,741 |  |  |  | 19,984 |
Total covered impaired loans with allowance |  | $ | 4,464 |  |  |  | 5,171 |  |  |  | 1,082 |  |  |  | 4,842 |
Total impaired loans with an allowance recorded |  | $ | 24,223 |  |  |  | 27,784 |  |  |  | 3,823 |  |  |  | 24,826 |
($ in thousands) |  | Recorded Investment |  |  | Unpaid Principal Balance |  |  | Related Allowance |  |  | Average Recorded Investment |
Non-covered loans with no related allowance recorded: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial, financial, and agricultural: |  |  |  |  |  |  |  |
Commercial - unsecured |  | $ | 33 |  |  |  | 35 |  |  |  | − |  |  |  | 20 |
Commercial - secured |  |  | 5 |  |  |  | 6 |  |  |  | − |  |  |  | 95 |
Secured by inventory and accounts receivable |  |  | − |  |  |  | − |  |  |  | − |  |  |  | − |
Real estate – construction, land development & other land loans |  |  | 6,877 |  |  |  | 7,944 |  |  |  | − |  |  |  | 6,430 |
Real estate – residential, farmland, and multi-family |  |  | 9,165 |  |  |  | 10,225 |  |  |  | − |  |  |  | 7,776 |
Real estate – home equity lines of credit |  |  | 476 |  |  |  | 498 |  |  |  | − |  |  |  | 388 |
Real estate – commercial |  |  | 17,409 |  |  |  | 20,786 |  |  |  | − |  |  |  | 11,911 |
Consumer |  |  | 7 |  |  |  | 10 |  |  |  | − |  |  |  | 7 |
Total non-covered impaired loans with no allowance |  | $ | 33,972 |  |  |  | 39,504 |  |  |  | − |  |  |  | 26,627 |
Total covered impaired loans with no allowance |  | $ | 8,097 |  |  |  | 12,081 |  |  |  | − |  |  |  | 16,986 |
Total impaired loans with no allowance recorded |  | $ | 42,069 |  |  |  | 51,585 |  |  |  | − |  |  |  | 43,613 |
Non-covered loans with an allowance recorded: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial, financial, and agricultural: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial - unsecured |  | $ | 140 |  |  |  | 143 |  |  |  | 47 |  |  |  | 142 |
Commercial - secured |  |  | 606 |  |  |  | 612 |  |  |  | 164 |  |  |  | 550 |
Secured by inventory and accounts receivable |  |  | − |  |  |  | − |  |  |  | − |  |  |  | 15 |
Real estate – construction, land development & other land loans |  |  | 1,114 |  |  |  | 3,243 |  |  |  | 415 |  |  |  | 1,487 |
Real estate – residential, farmland, and multi-family |  |  | 14,845 |  |  |  | 15,257 |  |  |  | 1,686 |  |  |  | 14,418 |
Real estate – home equity lines of credit |  |  | − |  |  |  | − |  |  |  | − |  |  |  | 4 |
Real estate – commercial |  |  | 3,501 |  |  |  | 3,530 |  |  |  | 165 |  |  |  | 6,420 |
Consumer |  |  | − |  |  |  | − |  |  |  | − |  |  |  | 8 |
Total non-covered impaired loans with allowance |  | $ | 20,206 |  |  |  | 22,785 |  |  |  | 2,477 |  |  |  | 23,044 |
Total covered impaired loans with allowance |  | $ | 5,220 |  |  |  | 5,719 |  |  |  | 1,229 |  |  |  | 8,513 |
Total impaired loans with an allowance recorded |  | $ | 25,426 |  |  |  | 28,504 |  |  |  | 3,706 |  |  |  | 31,557 |
Schedule of recorded investment in loans by credit quality indicators |
($ in thousands) |  | Credit Quality Indicator (Grouped by Internally Assigned Grade) |  |
|  | Pass (Grades 1, 2, & 3) |  |  | Pass – Acceptable/ Average (Grade 4) |  |  | Watch or Standard Loans (Grade 9) |  |  | Special Mention Loans (Grade 5) |  |  | Classified Loans (Grades 6, 7, & 8) |  |  | Nonaccrual Loans |  |  | Total |
Non-covered loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial, financial, and agricultural: |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial - unsecured |  | $ | 18,177 |  |  |  | 14,735 |  |  |  | 5 |  |  |  | 1,258 |  |  |  | 2,132 |  |  |  | 217 |  |  |  | 36,524 |
Commercial - secured |  |  | 50,695 |  |  |  | 59,418 |  |  |  | 61 |  |  |  | 3,996 |  |  |  | 3,733 |  |  |  | 2,998 |  |  |  | 120,901 |
Secured by inventory and accounts receivable |  |  | 10,641 |  |  |  | 12,331 |  |  |  | − |  |  |  | 329 |  |  |  | 659 |  |  |  | 536 |  |  |  | 24,496 |
Real estate – construction, land development & other land loans |  |  | 91,840 |  |  |  | 132,494 |  |  |  | 846 |  |  |  | 14,570 |  |  |  | 10,305 |  |  |  | 6,796 |  |  |  | 256,851 |
Real estate – residential, farmland, and multi-family |  |  | 222,114 |  |  |  | 514,229 |  |  |  | 4,845 |  |  |  | 40,088 |  |  |  | 34,004 |  |  |  | 23,371 |  |  |  | 838,651 |
Real estate – home equity lines of credit |  |  | 122,598 |  |  |  | 63,401 |  |  |  | 1,549 |  |  |  | 5,010 |  |  |  | 4,478 |  |  |  | 2,140 |  |  |  | 199,176 |
Real estate - commercial |  |  | 242,960 |  |  |  | 449,463 |  |  |  | 8,427 |  |  |  | 29,843 |  |  |  | 15,298 |  |  |  | 11,027 |  |  |  | 757,018 |
Consumer |  |  | 25,299 |  |  |  | 14,189 |  |  |  | 53 |  |  |  | 685 |  |  |  | 613 |  |  |  | 331 |  |  |  | 41,170 |
Total |  | $ | 784,324 |  |  |  | 1,260,260 |  |  |  | 15,786 |  |  |  | 95,779 |  |  |  | 71,222 |  |  |  | 47,416 |  |  |  | 2,274,787 |
Unamortized net deferred loan costs |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 783 |
Total non-covered loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $ | 2,275,570 |
Total covered loans |  | $ | 13,363 |  |  |  | 67,274 |  |  |  | 683 |  |  |  | 9,254 |  |  |  | 20,659 |  |  |  | 8,596 |  |  |  | 119,829 |
Total loans |  | $ | 797,687 |  |  |  | 1,327,534 |  |  |  | 16,469 |  |  |  | 105,033 |  |  |  | 91,881 |  |  |  | 56,012 |  |  |  | 2,395,399 |
($ in thousands) |  | Credit Quality Indicator (Grouped by Internally Assigned Grade) |  |
|  | Pass (Grades 1, 2, & 3) |  |  | Pass – Acceptable / Average (Grade 4) |  |  | Watch or Standard Loans (Grade 9) |  |  | Special Mention Loans (Grade 5) |  |  | Classified Loans (Grades 6, 7, & 8) |  |  | Nonaccrual Loans |  |  | Total |
Non-covered loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial, financial, and agricultural: |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial - unsecured |  | $ | 17,856 |  |  |  | 15,649 |  |  |  | 5 |  |  |  | 1,356 |  |  |  | 2,231 |  |  |  | 187 |  |  |  | 37,284 |
Commercial - secured |  |  | 32,812 |  |  |  | 62,361 |  |  |  | 62 |  |  |  | 4,481 |  |  |  | 4,331 |  |  |  | 2,927 |  |  |  | 106,974 |
Secured by inventory and accounts receivable |  |  | 10,815 |  |  |  | 9,928 |  |  |  | − |  |  |  | 767 |  |  |  | 506 |  |  |  | 454 |  |  |  | 22,470 |
Real estate – construction, land development & other land loans |  |  | 87,806 |  |  |  | 135,072 |  |  |  | 771 |  |  |  | 13,066 |  |  |  | 12,909 |  |  |  | 7,891 |  |  |  | 257,515 |
Real estate – residential, farmland, and multi-family |  |  | 221,581 |  |  |  | 520,790 |  |  |  | 4,536 |  |  |  | 40,993 |  |  |  | 34,474 |  |  |  | 24,459 |  |  |  | 846,833 |
Real estate – home equity lines of credit |  |  | 122,528 |  |  |  | 62,642 |  |  |  | 1,135 |  |  |  | 5,166 |  |  |  | 4,533 |  |  |  | 2,573 |  |  |  | 198,577 |
Real estate - commercial |  |  | 223,197 |  |  |  | 465,395 |  |  |  | 9,057 |  |  |  | 30,318 |  |  |  | 15,748 |  |  |  | 11,070 |  |  |  | 754,785 |
Consumer |  |  | 25,520 |  |  |  | 15,614 |  |  |  | 54 |  |  |  | 855 |  |  |  | 648 |  |  |  | 505 |  |  |  | 43,196 |
Total |  | $ | 742,115 |  |  |  | 1,287,451 |  |  |  | 15,620 |  |  |  | 97,002 |  |  |  | 75,380 |  |  |  | 50,066 |  |  |  | 2,267,634 |
Unamortized net deferred loan costs |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 946 |
Total non-covered loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $ | 2,268,580 |
Total covered loans |  | $ | 14,349 |  |  |  | 70,989 |  |  |  | 632 |  |  |  | 10,503 |  |  |  | 20,613 |  |  |  | 10,508 |  |  |  | 127,594 |
Total loans |  | $ | 756,464 |  |  |  | 1,358,440 |  |  |  | 16,252 |  |  |  | 107,505 |  |  |  | 95,993 |  |  |  | 60,574 |  |  |  | 2,396,174 |
Schedule of information related to loans modified in a troubled debt restructuring |
($ in thousands) |  | For the three months ended |  |  | For the three months ended |
|  | March 31, 2015 |  |  | March 31, 2014 |
|  | Number of Contracts |  |  | Pre-Modification Restructured Balances |  |  | Post-Modification Restructured Balances |  |  | Number of Contracts |  |  | Pre-Modification Restructured Balances |  |  | Post-Modification Restructured Balances |
Non-covered TDRs – Accruing |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial, financial, and agricultural: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial – unsecured |  |  | — |  |  | $ | — |  |  | $ | — |  |  |  | — |  |  | $ | — |  |  | $ | — |
Commercial – secured |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Secured by inventory and accounts receivable |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Real estate – construction, land development & other land loans |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Real estate – residential, farmland, and multi-family |  |  | 1 |  |  |  | 113 |  |  |  | 113 |  |  |  | 2 |  |  |  | 337 |  |  |  | 337 |
Real estate – home equity lines of credit |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Real estate – commercial |  |  | 1 |  |  |  | 51 |  |  |  | 51 |  |  |  | — |  |  |  | — |  |  |  | — |
Consumer |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Non-covered TDRs – Nonaccrual |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial, financial, and agricultural: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial – unsecured |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Commercial – secured |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Secured by inventory and accounts receivable |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Real estate – construction, land development & other land loans |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Real estate – residential, farmland, and multi-family |  |  | 4 |  |  |  | 305 |  |  |  | 305 |  |  |  | 2 |  |  |  | 106 |  |  |  | 106 |
Real estate – home equity lines of credit |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Real estate – commercial |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Consumer |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Total non-covered TDRs arising during period |  |  | 6 |  |  |  | 469 |  |  |  | 469 |  |  |  | 4 |  |  |  | 443 |  |  |  | 443 |
Total covered TDRs arising during period – Accruing |  |  | 2 |  |  | $ | 139 |  |  | $ | 139 |  |  |  | — |  |  | $ | — |  |  | $ | — |
Total covered TDRs arising during period – Nonaccrual |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 5 |  |  |  | 710 |  |  |  | 682 |
Total TDRs arising during period |  |  | 8 |  |  | $ | 608 |  |  | $ | 608 |  |  |  | 9 |  |  | $ | 1,153 |  |  | $ | 1,125 |
Schedule od accruing restructured loans that defaulted in the period |
($ in thousands) |  | For the three months ended |  |  | For the three months ended |
|  | March 31, 2015 |  |  | March 31, 2014 |
|  | Number of Contracts |  |  | Recorded Investment |  |  | Number of Contracts |  |  | Recorded Investment |
Non-covered accruing TDRs that subsequently defaulted |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Real estate – construction, land development & other land loans |  |  | — |  |  | $ | — |  |  |  | 1 |  |  | $ | 5 |
Real estate – residential, farmland, and multi-family |  |  | 1 |  |  |  | 34 |  |  |  | — |  |  |  | — |
Real estate – commercial |  |  | — |  |  |  | — |  |  |  | 1 |  |  |  | 71 |
Total non-covered TDRs that subsequently defaulted |  |  | 1 |  |  | $ | 34 |  |  |  | 2 |  |  | $ | 76 |
Total accruing covered TDRs that subsequently defaulted |  |  | — |  |  | $ | — |  |  |  | — |  |  | $ | — |
Total accruing TDRs that subsequently defaulted |  |  | 1 |  |  | $ | 34 |  |  |  | 2 |  |  | $ | 76 |

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- Definition Tabular disclosure of financing receivables by credit quality indicator. The credit quality indicator is a statistic about the credit quality of financing receivables. Examples include, but not limited to, consumer credit risk scores, credit-rating-agency ratings, an entity's internal credit risk grades, loan-to-value ratios, collateral, collection experience and other internal metrics. + References Reference 1: http://www.xbrl.org/2003/role/presentationRef -Publisher FASB -Name Accounting Standards Codification -Topic 310 -SubTopic 10 -Section 50 -Paragraph 29 -URI http://asc.fasb.org/extlink&oid=49124121&loc=SL6953659-111524 Reference 2: http://www.xbrl.org/2003/role/presentationRef -Publisher FASB -Name Accounting Standards Codification -Topic 310 -SubTopic 10 -Section 55 -Paragraph 19 -URI http://asc.fasb.org/extlink&oid=32702940&loc=SL6953803-111525 + Details
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- Definition Tabular disclosure of troubled debt restructuring which results when the debtor restructures the terms of its debt with a creditor due to the debtor's financial difficulties and the creditor grants certain concessions to obtain payment it might not otherwise receive. Includes a description of the principal changes in terms, the major features of settlement for each restructuring, the aggregate gain on restructuring and the related income tax effect, the per share amount of the total gain on restructuring, net of related income tax effect, and the total gain (loss) on transfers of assets recognized during the period. After the troubled debt restructuring has occurred debtors discuss the extent and amount to which amounts contingently payable are included in the carrying amount of restructured payables, and the conditions under which those amounts would become payable or would be forgiven when there is at least a reasonable possibility that a liability for contingent payments will be incurred. + References Reference 1: http://www.xbrl.org/2003/role/presentationRef -Publisher FASB -Name Accounting Standards Codification -Topic 470 -SubTopic 60 -Section 50 -Paragraph 1 -URI http://asc.fasb.org/extlink&oid=6402221&loc=d3e15743-112638 Reference 2: http://www.xbrl.org/2003/role/presentationRef -Publisher FASB -Name Accounting Standards Codification -Topic 470 -SubTopic 60 -Section 50 -Paragraph 2 -URI http://asc.fasb.org/extlink&oid=6402221&loc=d3e15765-112638 + Details
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