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Loans and Asset Quality Information (Tables) | 6 Months Ended
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Jun. 30, 2015
Loans and Asset Quality Information [Abstract] |
Summary of the major categories of total loans outstanding |
($ in thousands) |  | June 30, 2015 |  | December 31, 2014 |  | June 30, 2014
|  | Amount |  | Percentage |  | Amount |  | Percentage |  | Amount |  | Percentage
All loans (non-covered and covered): |  |  |  |  |  |  |  |  |  |  |  |
Commercial, financial, and agricultural |  | $ | 179,909 |  |  | 7% |  | $ | 160,878 |  |  | 7% |  | $ | 165,021 |  |  | 7%
Real estate – construction, land development & other land loans |  |  | 282,262 |  |  | 12% |  |  | 288,148 |  |  | 12% |  |  | 295,868 |  |  | 12%
Real estate – mortgage – residential (1-4 family) first mortgages |  |  | 777,515 |  |  | 32% |  |  | 789,871 |  |  | 33% |  |  | 814,712 |  |  | 33%
Real estate – mortgage – home equity loans / lines of credit |  |  | 220,534 |  |  | 9% |  |  | 223,500 |  |  | 9% |  |  | 227,381 |  |  | 9%
Real estate – mortgage – commercial and other |  |  | 904,496 |  |  | 38% |  |  | 882,127 |  |  | 37% |  |  | 868,599 |  |  | 36%
Installment loans to individuals |  |  | 47,244 |  |  | 2% |  |  | 50,704 |  |  | 2% |  |  | 62,153 |  |  | 3%
Subtotal |  |  | 2,411,960 |  |  | 100% |  |  | 2,395,228 |  |  | 100% |  |  | 2,433,734 |  |  | 100%
Unamortized net deferred loan costs |  |  | 819 |  |  |  |  |  |  | 946 |  |  |  |  |  |  | 651 |  |  |  |
Total loans |  | $ | 2,412,779 |  |  |  |  |  | $ | 2,396,174 |  |  |  |  |  | $ | 2,434,385 |  |  |  |
Summary of the major categories of non-covered loans outstanding |
($ in thousands) |  | June 30, 2015 |  | December 31, 2014 |  | June 30, 2014
|  | Amount |  | Percentage |  | Amount |  | Percentage |  | Amount |  | Percentage
Non-covered loans: |  |  |  |  |  |  |  |  |  |  |  |
Commercial, financial, and agricultural |  | $ | 178,756 |  |  | 8% |  | $ | 159,195 |  |  | 7% |  | $ | 162,303 |  |  | 7%
Real estate – construction, land development & other land loans |  |  | 278,406 |  |  | 12% |  |  | 282,604 |  |  | 13% |  |  | 274,975 |  |  | 12%
Real estate – mortgage – residential (1-4 family) first mortgages |  |  | 694,794 |  |  | 30% |  |  | 700,101 |  |  | 31% |  |  | 718,962 |  |  | 32%
Real estate – mortgage – home equity loans / lines of credit |  |  | 208,778 |  |  | 9% |  |  | 210,697 |  |  | 9% |  |  | 213,542 |  |  | 9%
Real estate – mortgage – commercial and other |  |  | 890,158 |  |  | 39% |  |  | 864,333 |  |  | 38% |  |  | 825,450 |  |  | 37%
Installment loans to individuals |  |  | 47,244 |  |  | 2% |  |  | 50,704 |  |  | 2% |  |  | 61,647 |  |  | 3%
Subtotal |  |  | 2,298,136 |  |  | 100% |  |  | 2,267,634 |  |  | 100% |  |  | 2,256,879 |  |  | 100%
Unamortized net deferred loan costs |  |  | 819 |  |  |  |  |  |  | 946 |  |  |  |  |  |  | 651 |  |  |  |
Total non-covered loans |  | $ | 2,298,955 |  |  |  |  |  | $ | 2,268,580 |  |  |  |  |  | $ | 2,257,530 |  |  |  |
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 |  | $ | 60 |  |  | 118 |  |  | 1,093 |  |  | 1,132 |  |  | 1,153 |  |  | 1,250
Real estate – construction, land development & other land loans |  |  | 301 |  |  | 526 |  |  | 3,555 |  |  | 3,962 |  |  | 3,856 |  |  | 4,488
Real estate – mortgage – residential (1-4 family) first mortgages |  |  | 310 |  |  | 1,275 |  |  | 82,411 |  |  | 96,461 |  |  | 82,721 |  |  | 97,736
Real estate – mortgage – home equity loans / lines of credit |  |  | 8 |  |  | 15 |  |  | 11,748 |  |  | 13,635 |  |  | 11,756 |  |  | 13,650
Real estate – mortgage – commercial and other |  |  | 1,092 |  |  | 3,162 |  |  | 13,246 |  |  | 14,111 |  |  | 14,338 |  |  | 17,273
Total |  | $ | 1,771 |  |  | 5,096 |  |  | 112,053 |  |  | 129,301 |  |  | 113,824 |  |  | 134,397
($ 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 |  |  | (15,709 | )
Transfers to foreclosed real estate |  |  | (656 | )
Net loan (charge-offs) / recoveries |  |  | 82 |
Accretion of loan discount |  |  | 2,692 |
Carrying amount of nonimpaired covered loans at June 30, 2015 |  | $ | 112,053 |
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 |  |  | (99) |  |  | 112 |  |  | (211)
Other |  |  | (3) |  |  | (3) |  |  | 
Balance at June 30, 2015 |  | $ | 5,757 |  |  | 3,371 |  |  | 2,386
Summary of nonperforming assets |
ASSET QUALITY DATA ($ in thousands) |  | June 30, 2015 |  | December 31, 2014 |  | June 30, 2014
Non-covered nonperforming assets |  |  |  |  |  |
Nonaccrual loans |  | $ | 44,123 |  | $ | 50,066 |  | $ | 47,533
Restructured loans - accruing |  |  | 32,059 |  |  | 35,493 |  |  | 27,250
Accruing loans > 90 days past due |  |  | - |  |  | — |  |  | —
Total non-covered nonperforming loans |  |  | 76,182 |  |  | 85,559 |  |  | 74,783
Foreclosed real estate |  |  | 9,954 |  |  | 9,771 |  |  | 9,346
Total non-covered nonperforming assets |  | $ | 86,136 |  | $ | 95,330 |  | $ | 84,129
Covered nonperforming assets |  |  |  |  |  |  |  |  |  |  |  |
Nonaccrual loans (1) |  | $ | 7,378 |  | $ | 10,508 |  | $ | 20,938
Restructured loans - accruing |  |  | 3,910 |  |  | 5,823 |  |  | 8,193
Accruing loans > 90 days past due |  |  | - |  |  | — |  |  | —
Total covered nonperforming loans |  |  | 11,288 |  |  | 16,331 |  |  | 29,131
Foreclosed real estate |  |  | 1,945 |  |  | 2,350 |  |  | 9,934
Total covered nonperforming assets |  | $ | 13,233 |  | $ | 18,681 |  | $ | 39,065
Total nonperforming assets |  | $ | 99,369 |  | $ | 114,011 |  | $ | 123,194
(1) | At June 30, 2015, December 31, 2014, and June 30, 2014, the contractual balance of the nonaccrual loans covered by FDIC loss share agreements was $12.7 million, $16.0 million, and $34.3 million, respectively.
Schedule of nonaccrual loans |
($ in thousands) |  | Non-covered |  | Covered |  | Total
Commercial, financial, and agricultural: |  |  |  |  |  |
Commercial – unsecured |  | $ | 210 |  |  | 22 |  |  | 232
Commercial – secured |  |  | 2,727 |  |  | — |  |  | 2,727
Secured by inventory and accounts receivable |  |  | 86 |  |  | 34 |  |  | 120
Real estate – construction, land development & other land loans |  |  | 6,387 |  |  | 96 |  |  | 6,483
Real estate – residential, farmland and multi-family |  |  | 23,347 |  |  | 4,756 |  |  | 28,103
Real estate – home equity lines of credit |  |  | 2,235 |  |  | 431 |  |  | 2,666
Real estate – commercial |  |  | 8,663 |  |  | 2,039 |  |  | 10,702
Consumer |  |  | 468 |  |  | — |  |  | 468
Total |  | $ | 44,123 |  |  | 7,378 |  |  | 51,501
($ 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 |  | $ | 196 |  |  | 1 |  |  | 210 |  |  | 41,667 |  |  | 42,074
Commercial - secured |  |  | 495 |  |  | 478 |  |  | 2,727 |  |  | 113,920 |  |  | 117,620
Secured by inventory and accounts receivable |  |  | — |  |  | — |  |  | 86 |  |  | 23,241 |  |  | 23,327
Real estate – construction, land development & other land loans |  |  | 445 |  |  | 98 |  |  | 6,387 |  |  | 249,505 |  |  | 256,435
Real estate – residential, farmland, and multi-family |  |  | 4,452 |  |  | 2,406 |  |  | 23,347 |  |  | 818,158 |  |  | 848,363
Real estate – home equity lines of credit |  |  | 806 |  |  | 69 |  |  | 2,235 |  |  | 195,235 |  |  | 198,345
Real estate - commercial |  |  | 3,216 |  |  | 371 |  |  | 8,663 |  |  | 756,743 |  |  | 768,993
Consumer |  |  | 331 |  |  | 266 |  |  | 468 |  |  | 41,914 |  |  | 42,979
Total non-covered |  | $ | 9,941 |  |  | 3,689 |  |  | 44,123 |  |  | 2,240,383 |  |  | 2,298,136
Unamortized net deferred loan costs |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 819
Total non-covered loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $ | 2,298,955
Covered loans |  | $ | 632 |  |  | 653 |  |  | 7,378 |  |  | 105,161 |  |  | 113,824
Total loans |  | $ | 10,573 |  |  | 4,342 |  |  | 51,501 |  |  | 2,345,544 |  |  | 2,412,779
($ 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 activity in the allowance for loan losses for non-covered loans |
($ in thousands) |  | Commercial, Financial, and Agricultural |  | Real Estate – Construction, Land Development, & Other Land Loans |  | Real Estate – Residential, Farmland, and Multi- family |  | Real Estate – Home Equity Lines of Credit |  | Real Estate – Commercial and Other |  | Consumer |  | Unallo- cated |  | Total
As of and for the three months ended June 30, 2015 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Beginning balance |  | 5,757 |  | 6,006 |  | 10,826 |  | 4,163 |  | 5,919 |  | 795 |  | 304 |  | 33,770
Charge-offs |  | (2,083 | ) | (702 | ) | (844 | ) | (496 | ) | (1,026 | ) | (252 | ) | - |  | (5,403)
Recoveries |  | 260 |  | 50 |  | 156 |  | 28 |  | 193 |  | 100 |  | - |  | 787
Provisions |  | 1,630 |  | (338 | ) | (497 | ) | (528 | ) | (363 | ) | 305 |  | 792 |  | 1,001
Ending balance |  | 5,564 |  | 5,016 |  | 9,641 |  | 3,167 |  | 4,723 |  | 948 |  | 1,096 |  | 30,155
As of and for the six months ended June 30, 2015 |  |  |  |  |  |  |  |  |  |
Beginning balance |  | $ | 8,391 |  |  | 6,470 |  |  | 9,720 |  |  | 3,731 |  |  | 9,045 |  |  | 841 |  |  | 147 |  |  | 38,345
Charge-offs |  |  | (3,027 | ) |  | (1,958 | ) |  | (2,413 | ) |  | (563 | ) |  | (1,949 | ) |  | (853 | ) |  | − |  |  | (10,763)
Recoveries |  |  | 348 |  |  | 317 |  |  | 172 |  |  | 45 |  |  | 395 |  |  | 191 |  |  | − |  |  | 1,468
Provisions |  |  | (148 | ) |  | 187 |  |  | 2,162 |  |  | (46 | ) |  | (2,768 | ) |  | 769 |  |  | 949 |  |  | 1,105
Ending balance |  | $ | 5,564 |  |  | 5,016 |  |  | 9,641 |  |  | 3,167 |  |  | 4,723 |  |  | 948 |  |  | 1,096 |  |  | 30,155
Ending balances as of June 30, 2015: Allowance for loan losses |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Individually evaluated for impairment |  | $ | 134 |  |  | 364 |  |  | 1,794 |  |  | — |  |  | 328 |  |  | — |  |  | — |  |  | 2,620
Collectively evaluated for impairment |  | $ | 5,430 |  |  | 4,652 |  |  | 7,847 |  |  | 3,167 |  |  | 4,395 |  |  | 948 |  |  | 1,096 |  |  | 27,535
Loans acquired with deteriorated credit quality |  | $ | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | —
Loans receivable as of June 30, 2015: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Ending balance - total |  | $ | 183,021 |  |  | 256,435 |  |  | 848,363 |  |  | 198,345 |  |  | 768,993 |  |  | 42,979 |  |  | − |  |  | 2,298,136
Unamortized net deferred loan costs |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 819
Total non-covered loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $ | 2,298,955
Ending balances as of June 30, 2015: Loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Individually evaluated for impairment |  | $ | 764 |  |  | 4,920 |  |  | 23,833 |  |  | — |  |  | 17,453 |  |  | — |  |  | — |  |  | 46,970
Collectively evaluated for impairment |  | $ | 182,257 |  |  | 251,515 |  |  | 824,530 |  |  | 198,345 |  |  | 750,926 |  |  | 42,979 |  |  | — |  |  | 2,250,552
Loans acquired with deteriorated credit quality |  | $ | — |  |  | — |  |  | — |  |  | — |  |  | 614 |  |  | — |  |  | — |  |  | 614
($ in thousands) |  | Commercial, Financial, and Agricultural |  | Real Estate – Construction, Land Development, & Other Land Loans |  | Real Estate – Residential, Farmland, and Multi- family |  | Real Estate – Home Equity Lines of Credit |  | Real Estate – Commercial and Other |  | Consumer |  | Unallo- cated |  | Total
As of and for the year ended December 31, 2014 |  |  |  |  |  |  |  |  |  |
Beginning balance |  | $ | 7,432 |  |  | 12,966 |  |  | 15,142 |  |  | 1,838 |  |  | 5,524 |  |  | 1,513 |  |  | (152) |  |  | 44,263
Charge-offs |  |  | (4,039) |  |  | (2,148) |  |  | (4,417) |  |  | (912) |  |  | (3,048) |  |  | (1,724) |  |  | — |  |  | (16,288)
Recoveries |  |  | 140 |  |  | 398 |  |  | 331 |  |  | 45 |  |  | 181 |  |  | 451 |  |  | — |  |  | 1,546
Transfer from covered category |  |  | 36 |  |  | 813 |  |  | 51 |  |  | — |  |  | 833 |  |  | 4 |  |  | — |  |  | 1,737
Provisions |  |  | 4,822 |  |  | (5,559) |  |  | (1,387) |  |  | 2,760 |  |  | 5,555 |  |  | 597 |  |  | 299 |  |  | 7,087
Ending balance |  | $ | 8,391 |  |  | 6,470 |  |  | 9,720 |  |  | 3,731 |  |  | 9,045 |  |  | 841 |  |  | 147 |  |  | 38,345
Ending balances as of December 31, 2014: Allowance for loan losses |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Individually evaluated for impairment |  | $ | 211 |  |  | 415 |  |  | 1,686 |  |  | — |  |  | 165 |  |  | — |  |  | — |  |  | 2,477
Collectively evaluated for impairment |  | $ | 8,180 |  |  | 6,055 |  |  | 8,034 |  |  | 3,731 |  |  | 8,880 |  |  | 841 |  |  | 147 |  |  | 35,868
Loans acquired with deteriorated credit quality |  | $ | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | —
Loans receivable as of December 31, 2014: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Ending balance - total |  | $ | 166,728 |  |  | 257,515 |  |  | 846,833 |  |  | 198,577 |  |  | 754,785 |  |  | 43,196 |  |  | — |  |  | 2,267,634
Unamortized net deferred loan costs |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 946
Total non-covered loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $ | 2,268,580
Ending balances as of December 31, 2014: Loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Individually evaluated for impairment |  | $ | 784 |  |  | 7,991 |  |  | 24,010 |  |  | 476 |  |  | 20,910 |  |  | 7 |  |  | — |  |  | 53,531
Collectively evaluated for impairment |  | $ | 165,944 |  |  | 249,524 |  |  | 822,823 |  |  | 198,101 |  |  | 733,228 |  |  | 43,189 |  |  | — |  |  | 2,213,456
Loans acquired with deteriorated credit quality |  | $ | — |  |  | — |  |  | — |  |  | — |  |  | 647 |  |  | — |  |  | — |  |  | 647
($ in thousands) |  | Commercial, Financial, and Agricultural |  | Real Estate – Construction, Land Development, & Other Land Loans |  | Real Estate – Residential, Farmland, and Multi- family |  | Real Estate – Home Equity Lines of Credit |  | Real Estate – Commercial and Other |  | Consumer |  | Unallo- cated |  | Total
As of and for the three months ended June 30, 2014 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Beginning balance |  | 8,889 |  | 8,650 |  | 12,733 |  | 3,662 |  | 9,375 |  | 1,030 |  | 367 |  | 44,706
Charge-offs |  | (2,041) |  | (307) |  | (861) |  | (397) |  | (277) |  | (371) |  | - |  | (4,254)
Recoveries |  | 21 |  | 73 |  | 114 |  | 6 |  | 26 |  | 116 |  | - |  | 356
Provisions |  | 2,079 |  | (1,002) |  | (854) |  | 484 |  | 88 |  | 131 |  | 232 |  | 1,158
Ending balance |  | 8,948 |  | 7,414 |  | 11,132 |  | 3,755 |  | 9,212 |  | 906 |  | 599 |  | 41,966
As of and for the six months ended June 30, 2014 |  |  |  |  |  |  |  |  |  |
Beginning balance |  | $ | 7,432 |  |  | 12,966 |  |  | 15,142 |  |  | 1,838 |  |  | 5,524 |  |  | 1,513 |  |  | (152) |  |  | 44,263
Charge-offs |  |  | (2,666) |  |  | (1,234) |  |  | (1,631) |  |  | (503) |  |  | (889) |  |  | (799) |  |  | − |  |  | (7,722)
Recoveries |  |  | 49 |  |  | 309 |  |  | 179 |  |  | 11 |  |  | 121 |  |  | 233 |  |  | − |  |  | 902
Provisions |  |  | 4,133 |  |  | (4,627) |  |  | (2,558) |  |  | 2,409 |  |  | 4,456 |  |  | (41) |  |  | 751 |  |  | 4,523
Ending balance |  | $ | 8,948 |  |  | 7,414 |  |  | 11,132 |  |  | 3,755 |  |  | 9,212 |  |  | 906 |  |  | 599 |  |  | 41,966
Ending balances as of June 30, 2014: Allowance for loan losses |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Individually evaluated for impairment |  | $ | 290 |  |  | 818 |  |  | 2,016 |  |  | — |  |  | 528 |  |  | — |  |  | — |  |  | 3,652
Collectively evaluated for impairment |  | $ | 8,658 |  |  | 6,596 |  |  | 9,116 |  |  | 3,755 |  |  | 8,684 |  |  | 906 |  |  | 599 |  |  | 38,314
Loans acquired with deteriorated credit quality |  | $ | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | —
Loans receivable as of June 30, 2014: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Ending balance - total |  | $ | 178,670 |  |  | 247,369 |  |  | 867,175 |  |  | 200,510 |  |  | 717,905 |  |  | 45,250 |  |  | — |  |  | 2,256,879
Unamortized net deferred loan costs |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 651
Total non-covered loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2,257,530
Ending balances as of June 30, 2014: Loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Individually evaluated for impairment |  | $ | 679 |  |  | 7,541 |  |  | 22,505 |  |  | 483 |  |  | 17,009 |  |  | 10 |  |  | — |  |  | 48,227
Collectively evaluated for impairment |  | $ | 177,991 |  |  | 239,828 |  |  | 844,670 |  |  | 200,027 |  |  | 700,896 |  |  | 45,240 |  |  | — |  |  | 2,208,652
Loans acquired with deteriorated credit quality |  | $ | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | —
Schedule of activity in the allowance for loan losses for covered loans |
($ in thousands) |  | Covered Loans |
As of and for the three months ended June 30, 2015 |  |  |  |
Beginning balance |  | $ | 2,226 |
Charge-offs |  |  | (676 | )
Recoveries |  |  | 545 |
Provisions |  |  | (160 | )
Ending balance |  | $ | 1,935 |
As of and for the six months ended June 30, 2015
Beginning balance |  | $ | 2,281 |
Charge-offs |  |  | (1,116 | )
Recoveries |  |  | 1,198 |
Provisions |  |  | (428 | )
Ending balance |  | $ | 1,935 |
Ending balances as of June 30, 2015: Allowance for loan losses |  |  |  |
Individually evaluated for impairment |  | $ | 455 |
Collectively evaluated for impairment |  |  | 1,434 |
Loans acquired with deteriorated credit quality |  |  | 46 |
Loans receivable as of June 30, 2015: |  |  |  |
Ending balance – total |  | $ | 113,824 |
Ending balances as of June 30, 2015: Loans |  |  |  |
Individually evaluated for impairment |  | $ | 6,763 |
Collectively evaluated for impairment |  |  | 105,290 |
Loans acquired with deteriorated credit quality |  |  | 1,771 |
($ in thousands) |  | Covered Loans |
As of and for the year ended December 31, 2014
Beginning balance |  | $ | 4,242 |
Charge-offs |  |  | (6,948 | )
Recoveries |  |  | 3,616 |
Transferred to non-covered |  |  | (1,737 | )
Provisions |  |  | 3,108 |
Ending balance |  | $ | 2,281 |
Ending balances as of December 31, 2014: Allowance for loan losses |  |  |  |
Individually evaluated for impairment |  | $ | 1,161 |
Collectively evaluated for impairment |  |  | 1,046 |
Loans acquired with deteriorated credit quality |  |  | 74 |
Loans receivable as of December 31, 2014: |  |  |  |
Ending balance – total |  | $ | 127,594 |
Ending balances as of December 31, 2014: Loans |  |  |  |
Individually evaluated for impairment |  | $ | 11,484 |
Collectively evaluated for impairment |  |  | 114,160 |
Loans acquired with deteriorated credit quality |  |  | 1,950 |
($ in thousands) |  | Covered Loans |
As of and for the three months ended June 30, 2014 |  |  |  |
Beginning balance |  | $ | 3,421 |
Charge-offs |  |  | (2,722 | )
Recoveries |  |  | 630 |
Provisions |  |  | 2,501 |
Ending balance |  | $ | 3,830 |
As of and for the six months ended June 30, 2014
Beginning balance |  | $ | 4,242 |
Charge-offs |  |  | (5,670 | )
Recoveries |  |  | 2,547 |
Provisions |  |  | 2,711 |
Ending balance |  | $ | 3,830 |
Ending balances as of June 30, 2014: Allowance for loan losses |  |  |  |
Individually evaluated for impairment |  | $ | 1,312 |
Collectively evaluated for impairment |  |  | 2,472 |
Loans acquired with deteriorated credit quality |  |  | 46 |
Loans receivable as of June 30, 2014: |  |  |  |
Ending balance – total |  | $ | 176,855 |
Ending balances as of June 30, 2014: Loans |  |  |  |
Individually evaluated for impairment |  | $ | 20,615 |
Collectively evaluated for impairment |  |  | 153,357 |
Loans acquired with deteriorated credit quality |  |  | 2,883 |
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 |  | $ | 70 |  |  |  | 84 |  |  |  | − |  |  |  | 45 |
Commercial - secured |  |  | 108 |  |  |  | 109 |  |  |  | − |  |  |  | 44 |
Secured by inventory and accounts receivable |  |  | − |  |  |  | − |  |  |  | − |  |  |  | − |
Real estate – construction, land development & other land loans |  |  | 3,483 |  |  |  | 4,540 |  |  |  | − |  |  |  | 5,045 |
Real estate – residential, farmland, and multi-family |  |  | 9,788 |  |  |  | 11,017 |  |  |  | − |  |  |  | 9,575 |
Real estate – home equity lines of credit |  |  | − |  |  |  | − |  |  |  | − |  |  |  | 159 |
Real estate – commercial |  |  | 15,164 |  |  |  | 17,279 |  |  |  | − |  |  |  | 16,800 |
Consumer |  |  | − |  |  |  | − |  |  |  | − |  |  |  | 2 |
Total non-covered impaired loans with no allowance |  | $ | 28,613 |  |  |  | 33,029 |  |  |  | − |  |  |  | 31,670 |
Total covered impaired loans with no allowance |  | $ | 5,698 |  |  |  | 10,040 |  |  |  | − |  |  |  | 6,354 |
Total impaired loans with no allowance recorded |  | $ | 34,311 |  |  |  | 43,069 |  |  |  | − |  |  |  | 38,024 |
Non-covered loans with an allowance recorded: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial, financial, and agricultural: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial - unsecured |  | $ | 101 |  |  |  | 107 |  |  |  | 46 |  |  |  | 136 |
Commercial - secured |  |  | 485 |  |  |  | 502 |  |  |  | 88 |  |  |  | 558 |
Secured by inventory and accounts receivable |  |  | − |  |  |  | − |  |  |  | − |  |  |  | − |
Real estate – construction, land development & other land loans |  |  | 1,437 |  |  |  | 3,601 |  |  |  | 364 |  |  |  | 1,499 |
Real estate – residential, farmland, and multi-family |  |  | 14,045 |  |  |  | 14,547 |  |  |  | 1,794 |  |  |  | 14,215 |
Real estate – home equity lines of credit |  |  | − |  |  |  | − |  |  |  | − |  |  |  | − |
Real estate – commercial |  |  | 2,903 |  |  |  | 3,008 |  |  |  | 328 |  |  |  | 3,237 |
Consumer |  |  | − |  |  |  | − |  |  |  | − |  |  |  | − |
Total non-covered impaired loans with allowance |  | $ | 18,971 |  |  |  | 21,765 |  |  |  | 2,620 |  |  |  | 19,645 |
Total covered impaired loans with allowance |  | $ | 2,836 |  |  |  | 3,109 |  |  |  | 501 |  |  |  | 4,173 |
Total impaired loans with an allowance recorded |  | $ | 21,807 |  |  |  | 24,874 |  |  |  | 3,121 |  |  |  | 23,818 |
($ 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 |  | $ | 19,718 |  |  |  | 20,202 |  |  |  | 5 |  |  |  | 1,170 |  |  |  | 769 |  |  |  | 210 |  |  |  | 42,074 |
Commercial - secured |  |  | 51,546 |  |  |  | 57,399 |  |  |  | 60 |  |  |  | 3,241 |  |  |  | 2,647 |  |  |  | 2,727 |  |  |  | 117,620 |
Secured by inventory and accounts receivable |  |  | 7,721 |  |  |  | 14,587 |  |  |  | − |  |  |  | 292 |  |  |  | 641 |  |  |  | 86 |  |  |  | 23,327 |
Real estate – construction, land development & other land loans |  |  | 94,263 |  |  |  | 132,055 |  |  |  | 723 |  |  |  | 13,738 |  |  |  | 9,269 |  |  |  | 6,387 |  |  |  | 256,435 |
Real estate – residential, farmland, and multi-family |  |  | 215,193 |  |  |  | 529,845 |  |  |  | 4,862 |  |  |  | 40,743 |  |  |  | 34,373 |  |  |  | 23,347 |  |  |  | 848,363 |
Real estate – home equity lines of credit |  |  | 125,505 |  |  |  | 59,684 |  |  |  | 1,525 |  |  |  | 5,043 |  |  |  | 4,353 |  |  |  | 2,235 |  |  |  | 198,345 |
Real estate - commercial |  |  | 263,746 |  |  |  | 445,742 |  |  |  | 8,240 |  |  |  | 30,392 |  |  |  | 12,210 |  |  |  | 8,663 |  |  |  | 768,993 |
Consumer |  |  | 27,913 |  |  |  | 13,568 |  |  |  | 53 |  |  |  | 436 |  |  |  | 541 |  |  |  | 468 |  |  |  | 42,979 |
Total |  | $ | 805,605 |  |  |  | 1,273,082 |  |  |  | 15,468 |  |  |  | 95,055 |  |  |  | 64,803 |  |  |  | 44,123 |  |  |  | 2,298,136 |
Unamortized net deferred loan costs |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 819 |
Total non-covered loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $ | 2,298,955 |
Total covered loans |  | $ | 12,014 |  |  |  | 64,847 |  |  |  | 323 |  |  |  | 10,109 |  |  |  | 19,153 |  |  |  | 7,378 |  |  |  | 113,824 |
Total loans |  | $ | 817,619 |  |  |  | 1,337,929 |  |  |  | 15,791 |  |  |  | 105,164 |  |  |  | 83,956 |  |  |  | 51,501 |  |  |  | 2,412,779 |
($ 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 |
|  | June 30, 2015 |  |  | June 30, 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 |  |  | 1 |  |  | $ | 8 |  |  | $ | 8 |  |  |  | — |  |  | $ | — |  |  | $ | — |
Commercial – secured |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Secured by inventory and accounts receivable |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Real estate – construction, land development & other land loans |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Real estate – residential, farmland, and multi-family |  |  | 1 |  |  |  | 152 |  |  |  | 152 |  |  |  | 5 |  |  |  | 411 |  |  |  | 411 |
Real estate – home equity lines of credit |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Real estate – commercial |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
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 |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 2 |  |  |  | 332 |  |  |  | 332 |
Real estate – home equity lines of credit |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Real estate – commercial |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Consumer |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Total non-covered TDRs arising during period |  |  | 2 |  |  |  | 160 |  |  |  | 160 |  |  |  | 7 |  |  |  | 743 |  |  |  | 743 |
Total covered TDRs arising during period – Accruing |  |  | — |  |  | $ | — |  |  | $ | — |  |  |  | 2 |  |  | $ | 248 |  |  | $ | 245 |
Total covered TDRs arising during period – Nonaccrual |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Total TDRs arising during period |  |  | 2 |  |  | $ | 160 |  |  | $ | 160 |  |  |  | 9 |  |  | $ | 991 |  |  | $ | 988 |
($ in thousands) |  | For the six months ended June 30, 2015 |  |  | For the six months ended June 30, 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 |  |  | 1 |  |  | $ | 8 |  |  | $ | 8 |  |  |  | — |  |  | $ | — |  |  | $ | — |
Commercial – secured |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Secured by inventory and accounts receivable |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Real estate – construction, land development & other land loans |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Real estate – residential, farmland, and multi-family |  |  | 2 |  |  |  | 265 |  |  |  | 265 |  |  |  | 7 |  |  |  | 748 |  |  |  | 748 |
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 |  |  |  | 4 |  |  |  | 438 |  |  |  | 438 |
Real estate – home equity lines of credit |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Real estate – commercial |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Consumer |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Total non-covered TDRs arising during period |  |  | 8 |  |  |  | 629 |  |  |  | 629 |  |  |  | 11 |  |  |  | 1,186 |  |  |  | 1,186 |
Total covered TDRs arising during period– Accruing |  |  | 2 |  |  | $ | 139 |  |  | $ | 139 |  |  |  | 2 |  |  | $ | 248 |  |  | $ | 245 |
Total covered TDRs arising during period – Nonaccrual |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 5 |  |  |  | 710 |  |  |  | 682 |
Total TDRs arising during period |  |  | 10 |  |  | $ | 768 |  |  | $ | 768 |  |  |  | 18 |  |  | $ | 2,144 |  |  | $ | 2,113 |
Schedule od accruing restructured loans that defaulted in the period |
($ in thousands) |  | For the three months ended |  |  | For the three months ended |
|  | June 30, 2015 |  |  | June 30, 2014 |
|  | Number of Contracts |  |  | Recorded Investment |  |  | Number of Contracts |  |  | Recorded Investment |
Non-covered accruing TDRs that subsequently defaulted |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial, financial, and agricultural: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial – unsecured |  |  | 1 |  |  |  | 7 |  |  |  | — |  |  |  | — |
Real estate – construction, land development & other land loans |  |  | — |  |  | $ | — |  |  |  | — |  |  | $ | — |
Real estate – residential, farmland, and multi-family |  |  | - |  |  |  | - |  |  |  | — |  |  |  | — |
Real estate – commercial |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Total non-covered TDRs that subsequently defaulted |  |  | 1 |  |  | $ | 7 |  |  |  | — |  |  | $ | — |
Total accruing covered TDRs that subsequently defaulted |  |  | — |  |  | $ | — |  |  |  | — |  |  | $ | — |
Total accruing TDRs that subsequently defaulted |  |  | 1 |  |  | $ | 7 |  |  |  | — |  |  | $ | — |
($ in thousands) |  | For the six months ended June 30, 2015 |  |  | For the six months ended June 30, 2014 |
|  | Number of Contracts |  |  | Recorded Investment |  |  | Number of Contracts |  |  | Recorded Investment |
Non-covered accruing TDRs that subsequently defaulted |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial, financial, and agricultural: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial – unsecured |  |  | 1 |  |  | $ | 7 |  |  |  | — |  |  | $ | — |
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 |  |  | 2 |  |  | $ | 41 |  |  |  | 2 |  |  | $ | 76 |
Total accruing covered TDRs that subsequently defaulted |  |  | — |  |  | $ | — |  |  |  | — |  |  | $ | — |
Total accruing TDRs that subsequently defaulted |  |  | 2 |  |  | $ | 41 |  |  |  | 2 |  |  | $ | 76 |

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- Definition Schedule detailing information related to accruing restructured loans that defaulted in period. + References No definition available. + Details
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- Definition Schedule summary of the major categories of loans, and for each the gross carrying value and percentage to total loans. + References No definition available. + Details
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- Definition Tabular disclosure of activity of the allowance for loan losses for covered loans. + References No definition available. + Details
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- Definition Tabular disclosure of activity of the allowance for loan losses for non-covered loans. + References No definition available. + Details
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- Definition Schedule detailing the loans receivables that are due but not impaired and receivables that are 90 days past due and still accruing. The schedule also includes loans receivables current and on nonaccrual status. + References No definition available. + Details
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- Definition Schedule of the carrying amount of covered loans consisting of impaired and nonimpaired purchased loans, and unpaid principal amount. + References No definition available. + Details
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- Definition Tabular disclosure of nonaccrual loans receivables on nonaccrual status as of each balance sheet date. + References No definition available. + Details
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- Definition Schedule of carrying amount of nonperforming assets (non accrual loans, restructured loans, loans past 90 days or more days accruing, and other real estate). + References No definition available. + Details
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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 55 -Paragraph 19 -URI http://asc.fasb.org/extlink&oid=32702940&loc=SL6953803-111525 Reference 2: 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 + 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 2 -URI http://asc.fasb.org/extlink&oid=6402221&loc=d3e15765-112638 Reference 2: 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 + Details
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