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Loans and Allowance for Loan and Lease Losses (Tables) | 12 Months Ended
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Dec. 31, 2014
Loans And Leases Receivable Disclosure [Abstract] |
Summary of Information Concerning Loan Portfolio | Loans at December 31, 2014 and 2013 consisted of the following:
|  | December 31, |  |  | December 31, |
(Dollars in thousands) |  | 2014 |  |  | 2013 |
Commercial real estate |  | $ | 249,164 |  |  | $ | 331,462 |
Construction, land development, land |  |  | 42,914 |  |  |  | 37,626 |
1-4 family residential properties |  |  | 78,738 |  |  |  | 91,301 |
Farmland |  |  | 22,496 |  |  |  | 20,294 |
Commercial |  |  | 364,567 |  |  |  | 255,655 |
Factored receivables |  |  | 180,910 |  |  |  | 117,370 |
Consumer |  |  | 11,941 |  |  |  | 13,878 |
Mortgage warehouse |  |  | 55,148 |  |  |  | 13,513 |
Total |  |  | 1,005,878 |  |  |  | 881,099 |
Allowance for loan and lease losses |  |  | (8,843 | ) |  |  | (3,645 | )
|  | $ | 997,035 |  |  | $ | 877,454 |
Summary of Allowance for Loan and Lease Losses | Allowance for Loan and Lease Losses: The activity in the ALLL during the years ended December 31, 2014, 2013 and 2012 is as follows:
(Dollars in thousands) |  | Beginning |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Ending |
Year ended December 31, 2014 |  | Balance |  |  | Provision |  |  | Charge-offs |  |  | Recoveries |  |  | Balance |
Commercial real estate |  | $ | 348 |  |  | $ | 199 |  |  | $ | (18 | ) |  | $ | 4 |  |  | $ | 533 |
Construction, land development, land |  |  | 110 |  |  |  | 310 |  |  |  | (100 | ) |  |  | 13 |  |  |  | 333 |
1-4 family residential properties |  |  | 100 |  |  |  | 416 |  |  |  | (409 | ) |  |  | 108 |  |  |  | 215 |
Farmland |  |  | 7 |  |  |  | 12 |  |  |  | — |  |  |  | — |  |  |  | 19 |
Commercial |  |  | 1,145 |  |  |  | 2,652 |  |  |  | (13 | ) |  |  | 219 |  |  |  | 4,003 |
Factored receivables |  |  | 1,842 |  |  |  | 1,971 |  |  |  | (419 | ) |  |  | 68 |  |  |  | 3,462 |
Consumer |  |  | 49 |  |  |  | 204 |  |  |  | (393 | ) |  |  | 280 |  |  |  | 140 |
Mortgage warehouse |  |  | 44 |  |  |  | 94 |  |  |  | — |  |  |  | — |  |  |  | 138 |
|  | $ | 3,645 |  |  | $ | 5,858 |  |  | $ | (1,352 | ) |  | $ | 692 |  |  | $ | 8,843 |
(Dollars in thousands) |  | Beginning |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Ending |
Year ended December 31, 2013 |  | Balance |  |  | Provision |  |  | Charge-offs |  |  | Recoveries |  |  | Balance |
Commercial real estate |  | $ | 261 |  |  | $ | 114 |  |  | $ | (156 | ) |  | $ | 129 |  |  | $ | 348 |
Construction, land development, land |  |  | 40 |  |  |  | 58 |  |  |  | — |  |  |  | 12 |  |  |  | 110 |
1-4 family residential properties |  |  | 227 |  |  |  | (166 | ) |  |  | (94 | ) |  |  | 133 |  |  |  | 100 |
Farmland |  |  | 5 |  |  |  | 2 |  |  |  | — |  |  |  | — |  |  |  | 7 |
Commercial |  |  | 172 |  |  |  | 2,474 |  |  |  | (1,515 | ) |  |  | 14 |  |  |  | 1,145 |
Factored receivables |  |  | 1,221 |  |  |  | 783 |  |  |  | (226 | ) |  |  | 64 |  |  |  | 1,842 |
Consumer |  |  | — |  |  |  | 103 |  |  |  | (113 | ) |  |  | 59 |  |  |  | 49 |
Mortgage warehouse |  |  | — |  |  |  | 44 |  |  |  | — |  |  |  | — |  |  |  | 44 |
|  | $ | 1,926 |  |  | $ | 3,412 |  |  | $ | (2,104 | ) |  | $ | 411 |  |  | $ | 3,645 |
(Dollars in thousands) |  | Beginning |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Ending |
Year ended December 31, 2012 |  | Balance |  |  | Provision |  |  | Charge-offs |  |  | Recoveries |  |  | Balance |
Commercial real estate |  | $ | 34 |  |  | $ | 359 |  |  | $ | (169 | ) |  | $ | 37 |  |  | $ | 261 |
Construction, land development, land |  |  | — |  |  |  | 40 |  |  |  | — |  |  |  | — |  |  |  | 40 |
1-4 family residential properties |  |  | 132 |  |  |  | 104 |  |  |  | (116 | ) |  |  | 107 |  |  |  | 227 |
Farmland |  |  | — |  |  |  | 53 |  |  |  | (48 | ) |  |  | — |  |  |  | 5 |
Commercial |  |  | — |  |  |  | 61 |  |  |  | — |  |  |  | 111 |  |  |  | 172 |
Factored receivables |  |  | — |  |  |  | 1,380 |  |  |  | (212 | ) |  |  | 53 |  |  |  | 1,221 |
Consumer |  |  | — |  |  |  | (1 | ) |  |  | — |  |  |  | 1 |  |  |  | — |
Mortgage warehouse |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Unallocated |  |  | 257 |  |  |  | (257 | ) |  |  | — |  |  |  | — |  |  |  | — |
|  | $ | 423 |  |  | $ | 1,739 |  |  | $ | (545 | ) |  | $ | 309 |  |  | $ | 1,926 |
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 PCI loans, and their respective ALLL allocations:
(Dollars in thousands) |  | Loan Evaluation |  |  | ALLL Allocations |
December 31, 2014 |  | Individually |  |  | Collectively |  |  | PCI |  |  | Total loans |  |  | Individually |  |  | Collectively |  |  | PCI |  |  | Total ALLL |
Commercial real estate |  | $ | 1,934 |  |  | $ | 238,640 |  |  | $ | 8,590 |  |  | $ | 249,164 |  |  | $ | — |  |  | $ | 533 |  |  | $ | — |  |  | $ | 533 |
Construction, land development, land |  |  | — |  |  |  | 41,431 |  |  |  | 1,483 |  |  |  | 42,914 |  |  |  | — |  |  |  | 333 |  |  |  | — |  |  |  | 333 |
1-4 family residential properties |  |  | 627 |  |  |  | 76,041 |  |  |  | 2,070 |  |  |  | 78,738 |  |  |  | — |  |  |  | 215 |  |  |  | — |  |  |  | 215 |
Farmland |  |  | — |  |  |  | 22,496 |  |  |  | — |  |  |  | 22,496 |  |  |  | — |  |  |  | 19 |  |  |  | — |  |  |  | 19 |
Commercial |  |  | 7,188 |  |  |  | 353,022 |  |  |  | 4,357 |  |  |  | 364,567 |  |  |  | 716 |  |  |  | 3,287 |  |  |  | — |  |  |  | 4,003 |
Factored receivables |  |  | 1,271 |  |  |  | 179,639 |  |  |  | — |  |  |  | 180,910 |  |  |  | 1,033 |  |  |  | 2,429 |  |  |  | — |  |  |  | 3,462 |
Consumer |  |  | — |  |  |  | 11,941 |  |  |  | — |  |  |  | 11,941 |  |  |  | — |  |  |  | 140 |  |  |  | — |  |  |  | 140 |
Mortgage warehouse |  |  | — |  |  |  | 55,148 |  |  |  | — |  |  |  | 55,148 |  |  |  | — |  |  |  | 138 |  |  |  | — |  |  |  | 138 |
|  | $ | 11,020 |  |  | $ | 978,358 |  |  | $ | 16,500 |  |  | $ | 1,005,878 |  |  | $ | 1,749 |  |  | $ | 7,094 |  |  | $ | — |  |  | $ | 8,843 |
(Dollars in thousands) |  | Loan Evaluation |  |  | ALLL Allocations |
December 31, 2013 |  | Individually |  |  | Collectively |  |  | PCI |  |  | Total loans |  |  | Individually |  |  | Collectively |  |  | PCI |  |  | Total ALLL |
Commercial real estate |  | $ | 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 |
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. Loans included in these tables are non-PCI impaired loans and PCI loans that have deteriorated subsequent to acquisition and as a result have been deemed impaired and an allowance recorded. PCI loans that have not deteriorated subsequent to acquisition are not considered impaired and therefore do not require an ALLL and are excluded from these tables.
|  | Impaired Loans and PCI Impaired Loans |  |  | Impaired Loans |
|  | With a Valuation Allowance |  |  | Without a Valuation Allowance |
(Dollars in thousands) |  | Recorded |  |  | Unpaid |  |  | Related |  |  | Recorded |  |  | Unpaid |
December 31, 2014 |  | Investment |  |  | Principal |  |  | Allowance |  |  | Investment |  |  | Principal |
Commercial real estate |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | 1,934 |  |  | $ | 1,960 |
Construction, land development, land |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
1-4 family residential properties |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 627 |  |  |  | 748 |
Farmland |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Commercial |  |  | 1,845 |  |  |  | 2,527 |  |  |  | 716 |  |  |  | 5,343 |  |  |  | 5,368 |
Factored receivables |  |  | 1,271 |  |  |  | 1,271 |  |  |  | 1,033 |  |  |  | — |  |  |  | — |
Consumer |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Mortgage warehouse |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
PCI |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
|  | $ | 3,116 |  |  | $ | 3,798 |  |  | $ | 1,749 |  |  | $ | 7,904 |  |  | $ | 8,076 |
|  | Impaired Loans and PCI Impaired Loans |  |  | Impaired Loans |
|  | With a Valuation Allowance |  |  | Without a Valuation Allowance |
(Dollars in thousands) |  | Recorded |  |  | Unpaid |  |  | Related |  |  | Recorded |  |  | Unpaid |
December 31, 2013 |  | Investment |  |  | Principal |  |  | Allowance |  |  | Investment |  |  | Principal |
Commercial real estate |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | 114 |  |  | $ | 131 |
Construction, land development, land |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
1-4 family residential properties |  |  | 114 |  |  |  | 127 |  |  |  | 14 |  |  |  | 157 |  |  |  | 166 |
Farmland |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Commercial |  |  | 215 |  |  |  | 215 |  |  |  | 15 |  |  |  | 5,224 |  |  |  | 5,454 |
Factored receivables |  |  | 762 |  |  |  | 762 |  |  |  | 417 |  |  |  | 1 |  |  |  | — |
Consumer |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Mortgage warehouse |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
PCI |  |  | 13 |  |  |  | 42 |  |  |  | 7 |  |  |  | — |  |  |  | — |
|  | $ | 1,104 |  |  | $ | 1,146 |  |  | $ | 453 |  |  | $ | 5,496 |  |  | $ | 5,751 |
|  | Years Ended |
|  | December 31, 2014 |  |  | December 31, 2013 |  |  | December 31, 2012 |
|  | Average |  |  | Interest |  |  | Average |  |  | Interest |  |  | Average |  |  | Interest |
(Dollars in thousands) |  | Impaired Loans |  |  | Recognized |  |  | Impaired Loans |  |  | Recognized |  |  | Impaired Loans |  |  | Recognized |
Commercial real estate |  | $ | 1,023 |  |  | $ | 213 |  |  | $ | 201 |  |  | $ | 7 |  |  | $ | 201 |  |  | $ | 7 |
Construction, land development, land |  |  | 4 |  |  |  | 1 |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
1-4 family residential properties |  |  | 613 |  |  |  | 195 |  |  |  | 228 |  |  |  | 10 |  |  |  | — |  |  |  | — |
Farmland |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Commercial |  |  | 6,653 |  |  |  | 290 |  |  |  | 2,740 |  |  |  | 14 |  |  |  | 994 |  |  |  | 14 |
Factored receivables |  |  | 1,017 |  |  |  | 12 |  |  |  | 632 |  |  |  | — |  |  |  | 632 |  |  |  | — |
Consumer |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Mortgage warehouse |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
PCI |  |  | 7 |  |  |  | — |  |  |  | 14 |  |  |  | 6 |  |  |  | 1,988 |  |  |  | 260 |
|  | $ | 9,317 |  |  | $ | 711 |  |  | $ | 3,815 |  |  | $ | 37 |  |  | $ | 3,815 |  |  | $ | 281 |
Schedule of Recorded Investment and Unpaid Principal Balances | The following table presents the unpaid principal and recorded investment for loans at December 31, 2014 and 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.
(Dollars in thousands) |  | Recorded |  |  | Unpaid |  |  |  |  |
December 31, 2014 |  | Investment |  |  | Principal |  |  | Difference |
Commercial real estate |  | $ | 249,164 |  |  | $ | 263,060 |  |  | $ | (13,896 | )
Construction, land development, land |  |  | 42,914 |  |  |  | 44,609 |  |  |  | (1,695 | )
1-4 family residential properties |  |  | 78,738 |  |  |  | 82,263 |  |  |  | (3,525 | )
Farmland |  |  | 22,496 |  |  |  | 22,400 |  |  |  | 96 |
Commercial |  |  | 364,567 |  |  |  | 366,753 |  |  |  | (2,186 | )
Factored receivables |  |  | 180,910 |  |  |  | 181,817 |  |  |  | (907 | )
Consumer |  |  | 11,941 |  |  |  | 12,012 |  |  |  | (71 | )
Mortgage warehouse |  |  | 55,148 |  |  |  | 55,148 |  |  |  | — |
|  | $ | 1,005,878 |  |  | $ | 1,028,062 |  |  | $ | (22,184 | )
(Dollars in thousands) |  | Recorded |  |  | Unpaid |  |  |  |  |
December 31, 2013 |  | Investment |  |  | Principal |  |  | Difference |
Commercial real estate |  | $ | 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 |
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 December 31, 2014 and 2013:
|  |  |  |  |  | Past Due 90 |  |  |  |  |  |  |  |  |
(Dollars in thousands) |  | 30-89 Days |  |  | Days or More |  |  |  |  |  |  |  |  |
December 31, 2014 |  | Past Due |  |  | Still Accruing |  |  | Non-accrual |  |  | Total |
Commercial real estate |  | $ | 643 |  |  | $ | — |  |  | $ | 1,995 |  |  | $ | 2,638 |
Construction, land development, land |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
1-4 family residential properties |  |  | 584 |  |  |  | 49 |  |  |  | 638 |  |  |  | 1,271 |
Farmland |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Commercial |  |  | 114 |  |  |  | — |  |  |  | 7,188 |  |  |  | 7,302 |
Factored receivables |  |  | 7,202 |  |  |  | 651 |  |  |  | — |  |  |  | 7,853 |
Consumer |  |  | 296 |  |  |  | — |  |  |  | — |  |  |  | 296 |
Mortgage warehouse |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
PCI |  |  | 260 |  |  |  | — |  |  |  | 6,206 |  |  |  | 6,466 |
|  | $ | 9,099 |  |  | $ | 700 |  |  | $ | 16,027 |  |  | $ | 25,826 |
|  |  |  |  |  | Past Due 90 |  |  |  |  |  |  |  |  |
(Dollars in thousands) |  | 30-89 Days |  |  | Days or More |  |  |  |  |  |  |  |  |
December 31, 2013 |  | Past Due |  |  | Still Accruing |  |  | Non-accrual |  |  | Total |
Commercial real estate |  | $ | 1,212 |  |  | $ | 47 |  |  | $ | 276 |  |  | $ | 1,535 |
Construction, land development, land |  |  | 690 |  |  |  | — |  |  |  | — |  |  |  | 690 |
1-4 family residential properties |  |  | 1,789 |  |  |  | 19 |  |  |  | 454 |  |  |  | 2,262 |
Farmland |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Commercial |  |  | 1,482 |  |  |  | 11 |  |  |  | 5,438 |  |  |  | 6,931 |
Factored receivables |  |  | 3,836 |  |  |  | 89 |  |  |  | — |  |  |  | 3,925 |
Consumer |  |  | 591 |  |  |  | 2 |  |  |  | — |  |  |  | 593 |
Mortgage warehouse |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
PCI |  |  | 2,434 |  |  |  | — |  |  |  | 6,135 |  |  |  | 8,569 |
|  | $ | 12,034 |  |  | $ | 168 |  |  | $ | 12,303 |  |  | $ | 24,505 |
Summary of Risk Category of Loans | As of December 31, 2014 and 2013 based on the most recent analysis performed, the risk category of loans is as follows:
(Dollars in thousands) |  |  |  |  |  | Special |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
December 31, 2014 |  | Pass |  |  | Mention |  |  | Substandard |  |  | Doubtful |  |  | PCI |  |  | Total |
Commercial real estate |  | $ | 231,627 |  |  | $ | 2,344 |  |  | $ | 6,603 |  |  | $ | — |  |  | $ | 8,590 |  |  | $ | 249,164 |
Construction, land development, land |  |  | 41,431 |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 1,483 |  |  |  | 42,914 |
1-4 family residential |  |  | 75,781 |  |  |  | 77 |  |  |  | 810 |  |  |  | — |  |  |  | 2,070 |  |  |  | 78,738 |
Farmland |  |  | 22,496 |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 22,496 |
Commercial |  |  | 347,534 |  |  |  | 2,435 |  |  |  | 10,241 |  |  |  | — |  |  |  | 4,357 |  |  |  | 364,567 |
Factored receivables |  |  | 179,639 |  |  |  | — |  |  |  | 350 |  |  |  | 921 |  |  |  | — |  |  |  | 180,910 |
Consumer |  |  | 11,941 |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 11,941 |
Mortgage warehouse |  |  | 55,148 |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 55,148 |
|  | $ | 965,597 |  |  | $ | 4,856 |  |  | $ | 18,004 |  |  | $ | 921 |  |  | $ | 16,500 |  |  | $ | 1,005,878 |
(Dollars in thousands) |  |  |  |  |  | Special |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
December 31, 2013 |  | Pass |  |  | Mention |  |  | Substandard |  |  | Doubtful |  |  | PCI |  |  | Total |
Commercial real estate |  | $ | 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 |
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 |
Schedule of Outstanding Contractually Required Principal and Interest and Carrying Amount of PCI Loans | The outstanding contractually required principal and interest and the carrying amount of these loans included in the balance sheet amounts of loans receivable at December 31, 2014 and 2013, are as follows:
|  | December 31, |  |  | December 31, |
(Dollars in thousands) |  | 2014 |  |  | 2013 |
Contractually required principal and interest: |  |  |  |  |  |  |  |
Real estate loans |  | $ | 23,457 |  |  | $ | 35,584 |
Commercial loans |  |  | 6,293 |  |  |  | 2,795 |
Outstanding contractually required principal and interest |  | $ | 29,750 |  |  | $ | 38,379 |
Gross carrying amount included in loans receivable |  | $ | 16,500 |  |  | $ | 25,191 |
Schedule of Changes in Accretable Yield for the PCI Loans | The changes in accretable yield during the years ended December 31, 2014 and 2013 in regard to loans transferred at acquisition for which it was probable that all contractually required payments would not be collected are as follows:

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