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Loans and Allowance for Loan and Lease Losses (Tables) | 9 Months Ended
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Sep. 30, 2014
Loans And Leases Receivable Disclosure [Abstract] |
Summary of Information Concerning Loan Portfolio | Loans at September 30, 2014 and December 31, 2013 consisted of the following:
|  | September 30, |  |  | December 31, |
|  | 2014 |  |  | 2013 |
Real estate: |  |  |  |  |  |  |  |
Commercial |  | $ | 261,836 |  |  | $ | 331,462 |
Construction, land development, land |  |  | 45,996 |  |  |  | 37,626 |
1-4 family residential properties |  |  | 80,419 |  |  |  | 91,301 |
Farmland |  |  | 20,059 |  |  |  | 20,294 |
Total real estate |  |  | 408,310 |  |  |  | 480,683 |
Commercial |  |  | 340,316 |  |  |  | 255,655 |
Factored receivables |  |  | 169,112 |  |  |  | 117,370 |
Consumer |  |  | 12,527 |  |  |  | 13,878 |
Mortgage warehouse |  |  | 46,874 |  |  |  | 13,513 |
Total |  |  | 977,139 |  |  |  | 881,099 |
Allowance for loan and lease losses |  |  | (7,320 | ) |  |  | (3,645 | )
|  | $ | 969,819 |  |  | $ | 877,454 |
Summary of Allowance for Loan and Lease Losses | Allowance for Loan and Lease Losses: The activity in the allowance for loan and lease losses (ALLL) during the three and nine months ended September 30, 2014 and 2013 is as follows:
|  | Beginning |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Ending |
Three months ended September 30, 2014 |  | Balance |  |  | Provision |  |  | Charge-offs |  |  | Recoveries |  |  | Balance |
Real estate: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial |  | $ | 463 |  |  | $ | (78 | ) |  | $ | — |  |  | $ | 1 |  |  | $ | 386 |
Construction, land development, land |  |  | 242 |  |  |  | 198 |  |  |  | (100 | ) |  |  | — |  |  |  | 340 |
1-4 family residential properties |  |  | 197 |  |  |  | 56 |  |  |  | (74 | ) |  |  | 3 |  |  |  | 182 |
Farmland |  |  | 11 |  |  |  | 2 |  |  |  | — |  |  |  | — |  |  |  | 13 |
Total real estate |  |  | 913 |  |  |  | 178 |  |  |  | (174 | ) |  |  | 4 |  |  |  | 921 |
Commercial |  |  | 2,332 |  |  |  | 722 |  |  |  | - |  |  |  | 3 |  |  |  | 3,057 |
Factored receivables |  |  | 2,838 |  |  |  | 397 |  |  |  | (119 | ) |  |  | 21 |  |  |  | 3,137 |
Consumer |  |  | 96 |  |  |  | 34 |  |  |  | (100 | ) |  |  | 57 |  |  |  | 87 |
Mortgage warehouse |  |  | 74 |  |  |  | 44 |  |  |  | — |  |  |  | — |  |  |  | 118 |
|  | $ | 6,253 |  |  | $ | 1,375 |  |  | $ | (393 | ) |  | $ | 85 |  |  | $ | 7,320 |
|  | Beginning |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Ending |
Three months ended September 30, 2013 |  | Balance |  |  | Provision |  |  | Charge-offs |  |  | Recoveries |  |  | Balance |
Real estate: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial |  | $ | 252 |  |  | $ | (154 | ) |  | $ | — |  |  | $ | 129 |  |  | $ | 227 |
Construction, land development, land |  |  | 46 |  |  |  | (7 | ) |  |  | — |  |  |  | — |  |  |  | 39 |
1-4 family residential properties |  |  | 98 |  |  |  | (34 | ) |  |  | (19 | ) |  |  | 25 |  |  |  | 70 |
Farmland |  |  | 5 |  |  |  | (1 | ) |  |  | — |  |  |  | — |  |  |  | 4 |
Total real estate |  |  | 401 |  |  |  | (196 | ) |  |  | (19 | ) |  |  | 154 |  |  |  | 340 |
Commercial |  |  | 502 |  |  |  | 1,538 |  |  |  | (1,473 | ) |  |  | — |  |  |  | 567 |
Factored receivables |  |  | 1,532 |  |  |  | 370 |  |  |  | (121 | ) |  |  | 3 |  |  |  | 1,784 |
Consumer |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Mortgage warehouse |  |  | 15 |  |  |  | 23 |  |  |  | — |  |  |  | — |  |  |  | 38 |
|  | $ | 2,450 |  |  | $ | 1,735 |  |  | $ | (1,613 | ) |  | $ | 157 |  |  | $ | 2,729 |
|  | Beginning |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Ending |
Nine months ended September 30, 2014 |  | Balance |  |  | Provision |  |  | Charge-offs |  |  | Recoveries |  |  | Balance |
Real estate: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial |  | $ | 348 |  |  | $ | 35 |  |  | $ | — |  |  | $ | 3 |  |  | $ | 386 |
Construction, land development, land |  |  | 110 |  |  |  | 330 |  |  |  | (100 | ) |  |  | — |  |  |  | 340 |
1-4 family residential properties |  |  | 100 |  |  |  | 240 |  |  |  | (264 | ) |  |  | 106 |  |  |  | 182 |
Farmland |  |  | 7 |  |  |  | 6 |  |  |  | — |  |  |  | — |  |  |  | 13 |
Total real estate |  |  | 565 |  |  |  | 611 |  |  |  | (364 | ) |  |  | 109 |  |  |  | 921 |
Commercial |  |  | 1,145 |  |  |  | 1,707 |  |  |  | (12 | ) |  |  | 217 |  |  |  | 3,057 |
Factored receivables |  |  | 1,842 |  |  |  | 1,533 |  |  |  | (294 | ) |  |  | 56 |  |  |  | 3,137 |
Consumer |  |  | 49 |  |  |  | 122 |  |  |  | (314 | ) |  |  | 230 |  |  |  | 87 |
Mortgage warehouse |  |  | 44 |  |  |  | 74 |  |  |  | — |  |  |  | — |  |  |  | 118 |
|  | $ | 3,645 |  |  | $ | 4,047 |  |  | $ | (984 | ) |  | $ | 612 |  |  | $ | 7,320 |
|  | Beginning |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Ending |
Nine months ended September 30, 2013 |  | Balance |  |  | Provision |  |  | Charge-offs |  |  | Recoveries |  |  | Balance |
Real estate: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial |  | $ | 261 |  |  | $ | (122 | ) |  | $ | (41 | ) |  | $ | 129 |  |  | $ | 227 |
Construction, land development, land |  |  | 40 |  |  |  | (1 | ) |  |  | — |  |  |  | — |  |  |  | 39 |
1-4 family residential properties |  |  | 227 |  |  |  | (111 | ) |  |  | (88 | ) |  |  | 42 |  |  |  | 70 |
Farmland |  |  | 5 |  |  |  | (1 | ) |  |  | — |  |  |  | — |  |  |  | 4 |
Total real estate |  |  | 533 |  |  |  | (235 | ) |  |  | (129 | ) |  |  | 171 |  |  |  | 340 |
Commercial |  |  | 172 |  |  |  | 1,861 |  |  |  | (1,473 | ) |  |  | 7 |  |  |  | 567 |
Factored receivables |  |  | 1,221 |  |  |  | 691 |  |  |  | (183 | ) |  |  | 55 |  |  |  | 1,784 |
Consumer |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Mortgage warehouse |  |  | — |  |  |  | 38 |  |  |  | — |  |  |  | — |  |  |  | 38 |
|  | $ | 1,926 |  |  | $ | 2,355 |  |  | $ | (1,785 | ) |  | $ | 233 |  |  | $ | 2,729 |
Summary of Individual and Collective Allowance for Loan Losses and Loan Balances by Class | The following table presents loans individually and collectively evaluated for impairment, as well as purchased credit impaired (PCI) loans, and their respective allowance allocations:
September 30, 2014 |  | Loan Evaluation |  |  | ALLL Allocations |
|  | Individually |  |  | Collectively |  |  | PCI |  |  | Total loans |  |  | Individually |  |  | Collectively |  |  | PCI |  |  | Total ALLL |
Real estate: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial |  | $ | 3,671 |  |  | $ | 243,632 |  |  | $ | 14,533 |  |  | $ | 261,836 |  |  | $ | — |  |  | $ | 386 |  |  | $ | — |  |  | $ | 386 |
Construction, land development, land |  |  | 12 |  |  |  | 44,512 |  |  |  | 1,472 |  |  |  | 45,996 |  |  |  | — |  |  |  | 340 |  |  |  | — |  |  |  | 340 |
1-4 family residential properties |  |  | 885 |  |  |  | 77,311 |  |  |  | 2,223 |  |  |  | 80,419 |  |  |  | — |  |  |  | 176 |  |  |  | 6 |  |  |  | 182 |
Farmland |  |  | — |  |  |  | 20,059 |  |  |  | — |  |  |  | 20,059 |  |  |  | — |  |  |  | 13 |  |  |  | — |  |  |  | 13 |
Total real estate |  |  | 4,568 |  |  |  | 385,514 |  |  |  | 18,228 |  |  |  | 408,310 |  |  |  | — |  |  |  | 915 |  |  |  | 6 |  |  |  | 921 |
Commercial |  |  | 7,092 |  |  |  | 328,507 |  |  |  | 4,717 |  |  |  | 340,316 |  |  |  | 297 |  |  |  | 2,760 |  |  |  | — |  |  |  | 3,057 |
Factored receivables |  |  | 990 |  |  |  | 168,122 |  |  |  | — |  |  |  | 169,112 |  |  |  | 849 |  |  |  | 2,288 |  |  |  | — |  |  |  | 3,137 |
Consumer |  |  | — |  |  |  | 12,527 |  |  |  | — |  |  |  | 12,527 |  |  |  | — |  |  |  | 87 |  |  |  | — |  |  |  | 87 |
Mortgage warehouse |  |  | — |  |  |  | 46,874 |  |  |  | — |  |  |  | 46,874 |  |  |  | — |  |  |  | 118 |  |  |  | — |  |  |  | 118 |
|  | $ | 12,650 |  |  | $ | 941,544 |  |  | $ | 22,945 |  |  | $ | 977,139 |  |  | $ | 1,146 |  |  | $ | 6,168 |  |  | $ | 6 |  |  | $ | 7,320 |
December 31, 2013 |  | Loan Evaluation |  |  | ALLL Allocations |
|  | Individually |  |  | Collectively |  |  | PCI |  |  | Total loans |  |  | Individually |  |  | Collectively |  |  | PCI |  |  | Total ALLL |
Real estate: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial |  | $ | 4,489 |  |  | $ | 308,326 |  |  | $ | 18,647 |  |  | $ | 331,462 |  |  | $ | — |  |  | $ | 348 |  |  | $ | — |  |  | $ | 348 |
Construction, land development, land |  |  | — |  |  |  | 35,585 |  |  |  | 2,041 |  |  |  | 37,626 |  |  |  | — |  |  |  | 110 |  |  |  | — |  |  |  | 110 |
1-4 family residential properties |  |  | 842 |  |  |  | 87,987 |  |  |  | 2,472 |  |  |  | 91,301 |  |  |  | 14 |  |  |  | 79 |  |  |  | 7 |  |  |  | 100 |
Farmland |  |  | — |  |  |  | 20,294 |  |  |  | — |  |  |  | 20,294 |  |  |  | — |  |  |  | 7 |  |  |  | — |  |  |  | 7 |
Total real estate |  |  | 5,331 |  |  |  | 452,192 |  |  |  | 23,160 |  |  |  | 480,683 |  |  |  | 14 |  |  |  | 544 |  |  |  | 7 |  |  |  | 565 |
Commercial |  |  | 5,495 |  |  |  | 248,129 |  |  |  | 2,031 |  |  |  | 255,655 |  |  |  | 15 |  |  |  | 1,130 |  |  |  | — |  |  |  | 1,145 |
Factored receivables |  |  | 763 |  |  |  | 116,607 |  |  |  | — |  |  |  | 117,370 |  |  |  | 417 |  |  |  | 1,425 |  |  |  | — |  |  |  | 1,842 |
Consumer |  |  | — |  |  |  | 13,878 |  |  |  | — |  |  |  | 13,878 |  |  |  | — |  |  |  | 49 |  |  |  | — |  |  |  | 49 |
Mortgage warehouse |  |  | — |  |  |  | 13,513 |  |  |  | — |  |  |  | 13,513 |  |  |  | — |  |  |  | 44 |  |  |  | — |  |  |  | 44 |
|  | $ | 11,589 |  |  | $ | 844,319 |  |  | $ | 25,191 |  |  | $ | 881,099 |  |  | $ | 446 |  |  | $ | 3,192 |  |  | $ | 7 |  |  | $ | 3,645 |
Summary of Information Pertaining to Impaired Loans | The following is a summary of information pertaining to impaired loans at September 30, 2014 and December 31, 2013:
|  | Impaired Loans and Purchased Credit |  |  | Impaired Loans |
|  | Impaired Loans With a Valuation Allowance |  |  | Without a Valuation Allowance |
|  | Recorded |  |  | Unpaid |  |  | Related |  |  | Recorded |  |  | Unpaid |
September 30, 2014 |  | Investment |  |  | Principal |  |  | Allowance |  |  | Investment |  |  | Principal |
Real estate: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | 1,938 |  |  | $ | 1,957 |
Construction, land development, land |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 12 |  |  |  | 24 |
1-4 family residential properties |  |  | 327 |  |  |  | 505 |  |  |  | 6 |  |  |  | 730 |  |  |  | 1,055 |
Farmland |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Total real estate |  |  | 327 |  |  |  | 505 |  |  |  | 6 |  |  |  | 2,680 |  |  |  | 3,036 |
Commercial |  |  | 1,029 |  |  |  | 1,058 |  |  |  | 297 |  |  |  | 6,064 |  |  |  | 6,293 |
Factored receivables |  |  | 990 |  |  |  | 990 |  |  |  | 849 |  |  |  | — |  |  |  | — |
Consumer |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Mortgage warehouse |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
|  | $ | 2,346 |  |  | $ | 2,553 |  |  | $ | 1,152 |  |  | $ | 8,744 |  |  | $ | 9,329 |
|  | Impaired Loans and Purchased Credit |  |  | Impaired Loans |
|  | Impaired Loans With a Valuation Allowance |  |  | Without a Valuation Allowance |
|  | Recorded |  |  | Unpaid |  |  | Related |  |  | Recorded |  |  | Unpaid |
December 31, 2013 |  | Investment |  |  | Principal |  |  | Allowance |  |  | Investment |  |  | Principal |
Real estate: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | 114 |  |  | $ | 131 |
Construction, land development, land |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
1-4 family residential properties |  |  | 127 |  |  |  | 169 |  |  |  | 21 |  |  |  | 157 |  |  |  | 166 |
Farmland |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Total real estate |  |  | 127 |  |  |  | 169 |  |  |  | 21 |  |  |  | 271 |  |  |  | 297 |
Commercial |  |  | 215 |  |  |  | 215 |  |  |  | 15 |  |  |  | 5,224 |  |  |  | 5,454 |
Factored receivables |  |  | 762 |  |  |  | 762 |  |  |  | 417 |  |  |  | 1 |  |  |  | — |
Consumer |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Mortgage warehouse |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
|  | $ | 1,104 |  |  | $ | 1,146 |  |  | $ | 453 |  |  | $ | 5,496 |  |  | $ | 5,751 |
|  | Three Months Ended |  |  | Three Months Ended |
|  | September 30, 2014 |  |  | September 30, 2013 |
|  | Average |  |  | Interest |  |  | Average |  |  | Interest |
|  | Impaired Loans |  |  | Recognized |  |  | Impaired Loans |  |  | Recognized |
Real estate: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial |  | $ | 2,201 |  |  | $ | 17 |  |  | $ | 3,432 |  |  | $ | 156 |
Construction, land development, land |  |  | 1 |  |  |  | 1 |  |  |  | — |  |  |  | — |
1-4 family residential properties |  |  | 1,035 |  |  |  | 18 |  |  |  | 301 |  |  |  | 8 |
Farmland |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Total real estate |  |  | 3,237 |  |  |  | 36 |  |  |  | 3,733 |  |  |  | 164 |
Commercial |  |  | 5,952 |  |  |  | 3 |  |  |  | 2,642 |  |  |  | — |
Factored receivables |  |  | 381 |  |  |  | — |  |  |  | 690 |  |  |  | — |
Consumer |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Mortgage warehouse |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
|  | $ | 9,570 |  |  | $ | 39 |  |  | $ | 7,065 |  |  | $ | 164 |
|  | Nine Months Ended |  |  | Nine Months Ended |
|  | September 30, 2014 |  |  | September 30, 2013 |
|  | Average |  |  | Interest |  |  | Average |  |  | Interest |
|  | Impaired Loans |  |  | Recognized |  |  | Impaired Loans |  |  | Recognized |
Real estate: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial |  | $ | 2,375 |  |  | $ | 206 |  |  | $ | 3,427 |  |  | $ | 470 |
Construction, land development, land |  |  | 2 |  |  |  | 1 |  |  |  | — |  |  |  | — |
1-4 family residential properties |  |  | 1,068 |  |  |  | 164 |  |  |  | 326 |  |  |  | 25 |
Farmland |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Total real estate |  |  | 3,445 |  |  |  | 371 |  |  |  | 3,753 |  |  |  | 495 |
Commercial |  |  | 6,549 |  |  |  | 44 |  |  |  | 2,642 |  |  |  | — |
Factored receivables |  |  | 381 |  |  |  | — |  |  |  | 830 |  |  |  | — |
Consumer |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Mortgage warehouse |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
|  | $ | 10,375 |  |  | $ | 415 |  |  | $ | 7,225 |  |  | $ | 495 |
Schedule of Recorded Investment and Unpaid Principal Balances for Impaired Loans | The following table presents the unpaid principal and recorded investment for loans at September 30, 2014 and December 31, 2013. The difference between the unpaid principal balance and recorded investment is principally associated with (1) premiums and discounts associated with acquisition date fair value adjustments on acquired loans (both PCI and non-PCI), (2) net deferred origination costs and fees, and (3) previous charge-offs.
|  | Recorded |  |  | Unpaid |  |  |  |  |
September 30, 2014 |  | Investment |  |  | Principal |  |  | Difference |
Real estate: |  |  |  |  |  |  |  |  |  |  |  |
Commercial |  | $ | 261,836 |  |  | $ | 277,087 |  |  | $ | (15,251 | )
Construction, land development, land |  |  | 45,996 |  |  |  | 47,925 |  |  |  | (1,929 | )
1-4 family residential properties |  |  | 80,419 |  |  |  | 84,220 |  |  |  | (3,801 | )
Farmland |  |  | 20,059 |  |  |  | 19,973 |  |  |  | 86 |
Total real estate |  |  | 408,310 |  |  |  | 429,205 |  |  |  | (20,895 | )
Commercial |  |  | 340,316 |  |  |  | 344,115 |  |  |  | (3,799 | )
Factored receivables |  |  | 169,112 |  |  |  | 170,281 |  |  |  | (1,169 | )
Consumer |  |  | 12,527 |  |  |  | 12,604 |  |  |  | (77 | )
Mortgage warehouse |  |  | 46,874 |  |  |  | 46,874 |  |  |  | — |
|  | $ | 977,139 |  |  | $ | 1,003,079 |  |  | $ | (25,940 | )
|  | Recorded |  |  | Unpaid |  |  |  |  |
December 31, 2013 |  | Investment |  |  | Principal |  |  | Difference |
Real estate: |  |  |  |  |  |  |  |  |  |  |  |
Commercial |  | $ | 331,462 |  |  | $ | 351,521 |  |  | $ | (20,059 | )
Construction, land development, land |  |  | 37,626 |  |  |  | 41,034 |  |  |  | (3,408 | )
1-4 family residential properties |  |  | 91,301 |  |  |  | 96,742 |  |  |  | (5,441 | )
Farmland |  |  | 20,294 |  |  |  | 20,145 |  |  |  | 149 |
Total real estate |  |  | 480,683 |  |  |  | 509,442 |  |  |  | (28,759 | )
Commercial |  |  | 255,655 |  |  |  | 260,384 |  |  |  | (4,729 | )
Factored receivables |  |  | 117,370 |  |  |  | 118,057 |  |  |  | (687 | )
Consumer |  |  | 13,878 |  |  |  | 14,006 |  |  |  | (128 | )
Mortgage warehouse |  |  | 13,513 |  |  |  | 13,513 |  |  |  | — |
|  | $ | 881,099 |  |  | $ | 915,402 |  |  | $ | (34,303 | )
Summary of Contractually Past Due and Nonaccrual Loans | Past Due and Nonaccrual Loans: The following is a summary of contractually past due and nonaccrual loans at September 30, 2014 and December 31, 2013:
|  |  |  |  |  | Past Due 90 |  |  |  |  |  |  |  |  |
|  | 30-89 Days |  |  | Days or More |  |  |  |  |  |  |  |  |
September 30, 2014 |  | Past Due |  |  | Still Accruing |  |  | Nonaccrual |  |  | Total |
Real estate: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial |  | $ | 855 |  |  | $ | — |  |  | $ | 5,094 |  |  | $ | 5,949 |
Construction, land development, land |  |  | 75 |  |  |  | — |  |  |  | 12 |  |  |  | 87 |
1-4 family residential properties |  |  | 779 |  |  |  | 2 |  |  |  | 1,469 |  |  |  | 2,250 |
Farmland |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Total real estate |  |  | 1,709 |  |  |  | 2 |  |  |  | 6,575 |  |  |  | 8,286 |
Commercial |  |  | 110 |  |  |  | — |  |  |  | 10,176 |  |  |  | 10,286 |
Factored receivables |  |  | 5,664 |  |  |  | 813 |  |  |  | — |  |  |  | 6,477 |
Consumer |  |  | 407 |  |  |  | 2 |  |  |  | — |  |  |  | 409 |
Mortgage warehouse |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
|  | $ | 7,890 |  |  | $ | 817 |  |  | $ | 16,751 |  |  | $ | 25,458 |
|  |  |  |  |  | Past Due 90 |  |  |  |  |  |  |  |  |
|  | 30-89 Days |  |  | Days or More |  |  |  |  |  |  |  |  |
December 31, 2013 |  | Past Due |  |  | Still Accruing |  |  | Nonaccrual |  |  | Total |
Real estate: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial |  | $ | 2,959 |  |  | $ | 47 |  |  | $ | 5,417 |  |  | $ | 8,423 |
Construction, land development, land |  |  | 690 |  |  |  | — |  |  |  | — |  |  |  | 690 |
1-4 family residential properties |  |  | 1,803 |  |  |  | 19 |  |  |  | 1,392 |  |  |  | 3,214 |
Farmland |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Total real estate |  |  | 5,452 |  |  |  | 66 |  |  |  | 6,809 |  |  |  | 12,327 |
Commercial |  |  | 2,155 |  |  |  | 11 |  |  |  | 5,494 |  |  |  | 7,660 |
Factored receivables |  |  | 3,836 |  |  |  | — |  |  |  | 89 |  |  |  | 3,925 |
Consumer |  |  | 591 |  |  |  | 2 |  |  |  | — |  |  |  | 593 |
Mortgage warehouse |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
|  | $ | 12,034 |  |  | $ | 79 |  |  | $ | 12,392 |  |  | $ | 24,505 |
Summary of Risk Category of Loans | As of September 30, 2014 and December 31, 2013 based on the most recent analysis performed, the risk category of loans is as follows:
|  |  |  |  |  | Special |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
September 30, 2014 |  | Pass |  |  | Mention |  |  | Substandard |  |  | Doubtful |  |  | PCI |  |  | Total |
Real estate: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial |  | $ | 238,251 |  |  | $ | 2,963 |  |  | $ | 6,089 |  |  | $ | — |  |  | $ | 14,533 |  |  | $ | 261,836 |
Construction, land development, land |  |  | 44,512 |  |  |  | — |  |  |  | 12 |  |  |  | — |  |  |  | 1,472 |  |  |  | 45,996 |
1-4 family residential |  |  | 77,120 |  |  |  | 231 |  |  |  | 845 |  |  |  | — |  |  |  | 2,223 |  |  |  | 80,419 |
Farmland |  |  | 20,059 |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 20,059 |
Total real estate |  |  | 379,942 |  |  |  | 3,194 |  |  |  | 6,946 |  |  |  | — |  |  |  | 18,228 |  |  |  | 408,310 |
Commercial |  |  | 322,647 |  |  |  | 2,490 |  |  |  | 10,462 |  |  |  | — |  |  |  | 4,717 |  |  |  | 340,316 |
Factored receivables |  |  | 168,121 |  |  |  | — |  |  |  | 344 |  |  |  | 647 |  |  |  | — |  |  |  | 169,112 |
Consumer |  |  | 12,527 |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 12,527 |
Mortgage warehouse |  |  | 46,874 |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 46,874 |
|  | $ | 930,111 |  |  | $ | 5,684 |  |  | $ | 17,752 |  |  | $ | 647 |  |  | $ | 22,945 |  |  | $ | 977,139 |
|  |  |  |  |  | Special |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
December 31, 2013 |  | Pass |  |  | Mention |  |  | Substandard |  |  | Doubtful |  |  | PCI |  |  | Total |
Real estate: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial |  | $ | 308,077 |  |  | $ | 557 |  |  | $ | 4,180 |  |  | $ | — |  |  | $ | 18,648 |  |  | $ | 331,462 |
Construction, land development, land |  |  | 35,585 |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 2,041 |  |  |  | 37,626 |
1-4 family residential |  |  | 88,379 |  |  |  | — |  |  |  | 450 |  |  |  | — |  |  |  | 2,472 |  |  |  | 91,301 |
Farmland |  |  | 20,294 |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 20,294 |
Total real estate |  |  | 452,335 |  |  |  | 557 |  |  |  | 4,630 |  |  |  | — |  |  |  | 23,161 |  |  |  | 480,683 |
Commercial |  |  | 247,941 |  |  |  | — |  |  |  | 5,684 |  |  |  | — |  |  |  | 2,030 |  |  |  | 255,655 |
Factored receivables |  |  | 116,607 |  |  |  | — |  |  |  | 336 |  |  |  | 427 |  |  |  | — |  |  |  | 117,370 |
Consumer |  |  | 13,878 |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 13,878 |
Mortgage warehouse |  |  | 13,513 |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 13,513 |
|  | $ | 844,274 |  |  | $ | 557 |  |  | $ | 10,650 |  |  | $ | 427 |  |  | $ | 25,191 |  |  | $ | 881,099 |

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