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Non-performing Assets and Impaired Loans (Tables) | 12 Months Ended
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Dec. 31, 2012
Non-performing Assets and Impaired Loans [Abstract] |
Nonaccrual, loans past due over 90 days still on accrual, and troubled debt restructured ("TDRs") by class of loans: |
|  |  |  |  | Loans Past |  |  |  |  |  |  |  |  |  |
|  |  |  |  | Due Over 90 |  |  |  |  |  |  |  |  | Total Non- |
|  |  |  |  | Days Still |  |  | Non Performing |  |  | Performing |  |  | Performing |
December 31, 2012 |  | Nonaccrual |  |  | Accruing |  |  | TDR’s |  |  | TDR’s |  |  | Loans |
Commercial |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Owner occupied real estate |  | $ | 2,800 |  |  | $ | — |  |  | $ | 1,272 |  |  | $ | 819 |  |  | $ | 4,891 |
Non owner occupied real estate |  |  | 1,705 |  |  |  | — |  |  |  | 1,605 |  |  |  | 446 |  |  |  | 3,756 |
Residential development |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Development & Spec Land Loans |  |  | 705 |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 705 |
Commercial and industrial |  |  | 544 |  |  |  | — |  |  |  | 797 |  |  |  | — |  |  |  | 1,341 |
Total commercial |  |  | 5,754 |  |  |  | — |  |  |  | 3,674 |  |  |  | 1,265 |  |  |  | 10,693 |
Real estate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Residential mortgage |  |  | 4,565 |  |  |  | 2 |  |  |  | 2,536 |  |  |  | 1,761 |  |  |  | 8,864 |
Residential construction |  |  | — |  |  |  | — |  |  |  | 291 |  |  |  | — |  |  |  | 291 |
Mortgage warehouse |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Total real estate |  |  | 4,565 |  |  |  | 2 |  |  |  | 2,827 |  |  |  | 1,761 |  |  |  | 9,155 |
Consumer |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Direct Installment |  |  | 138 |  |  |  | 26 |  |  |  | — |  |  |  | — |  |  |  | 164 |
Direct Installment Purchased |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Indirect Installment |  |  | 866 |  |  |  | 26 |  |  |  | — |  |  |  | — |  |  |  | 892 |
Home Equity |  |  | 2,051 |  |  |  | — |  |  |  | 148 |  |  |  | 676 |  |  |  | 2,875 |
Total Consumer |  |  | 3,055 |  |  |  | 52 |  |  |  | 148 |  |  |  | 676 |  |  |  | 3,931 |
Total |  | $ | 13,374 |  |  | $ | 54 |  |  | $ | 6,649 |  |  | $ | 3,702 |  |  | $ | 23,779 |
|  |  |  |  | Loans Past |  |  |  |  |  |  |  |  |  |
|  |  |  |  | Due Over 90 |  |  |  |  |  |  |  |  | Total Non- |
|  |  |  |  | Days Still |  |  | Non Performing |  |  | Performing |  |  | Performing |
December 31, 2011 |  | Nonaccrual |  |  | Accruing |  |  | TDR’s |  |  | TDR’s |  |  | Loans |
Commercial |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Owner occupied real estate |  | $ | 2,515 |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | 2,515 |
Non owner occupied real estate |  |  | 3,970 |  |  |  | — |  |  |  | 152 |  |  |  | — |  |  |  | 4,122 |
Residential development |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Development & Spec Land Loans |  |  | 90 |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 90 |
Commercial and industrial |  |  | 330 |  |  |  | — |  |  |  | 901 |  |  |  | — |  |  |  | 1,231 |
Total commercial |  |  | 6,905 |  |  |  | — |  |  |  | 1,053 |  |  |  | — |  |  |  | 7,958 |
Real estate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Residential mortgage |  |  | 4,550 |  |  |  | — |  |  |  | 1,120 |  |  |  | 2,389 |  |  |  | 8,059 |
Residential construction |  |  | 144 |  |  |  | — |  |  |  | — |  |  |  | 293 |  |  |  | 437 |
Mortgage warehouse |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Total real estate |  |  | 4,694 |  |  |  | — |  |  |  | 1,120 |  |  |  | 2,682 |  |  |  | 8,496 |
Consumer |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Direct Installment |  |  | 256 |  |  |  | 1 |  |  |  | — |  |  |  | — |  |  |  | 257 |
Direct Installment Purchased |  |  | — |  |  |  | 4 |  |  |  | — |  |  |  | — |  |  |  | 4 |
Indirect Installment |  |  | 926 |  |  |  | 29 |  |  |  | — |  |  |  | — |  |  |  | 955 |
Home Equity |  |  | 1,587 |  |  |  | 3 |  |  |  | 25 |  |  |  | 858 |  |  |  | 2,473 |
Total Consumer |  |  | 2,769 |  |  |  | 37 |  |  |  | 25 |  |  |  | 858 |  |  |  | 3,689 |
Total |  | $ | 14,368 |  |  | $ | 37 |  |  | $ | 2,198 |  |  | $ | 3,540 |  |  | $ | 20,143 |
Loans transferred and classified as troubled debt restructuring |
|  | December 31, 2012 |  |  | December 31, 2011 |
|  | Number of Defaults |  |  | Unpaid Principal Balance |  |  | Number of Defaults |  |  | Unpaid Principal Balance |
Commercial |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Owner occupied real estate |  |  | 4 |  |  | $ | 2,091 |  |  |  | — |  |  | $ | — |
Non owner occupied real estate |  |  | 4 |  |  |  | 2,051 |  |  |  | — |  |  |  | — |
Residential development |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Development & Spec Land Loans |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Commercial and industrial |  |  | — |  |  |  | — |  |  |  | 1 |  |  |  | 835 |
Total commercial |  |  | 8 |  |  |  | 4,142 |  |  |  | 1 |  |  |  | 835 |
Real estate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Residential mortgage |  |  | 5 |  |  |  | 1,231 |  |  |  | 3 |  |  |  | 342 |
Residential construction |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Mortgage warehouse |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Total real estate |  |  | 5 |  |  |  | 1,231 |  |  |  | 3 |  |  |  | 342 |
Consumer |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Direct Installment |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Direct Installment Purchased |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Indirect Installment |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Home Equity |  |  | — |  |  |  | — |  |  |  | 11 |  |  |  | 758 |
Total Consumer |  |  | — |  |  |  | — |  |  |  | 11 |  |  |  | 758 |
Total |  |  | 13 |  |  | $ | 5,373 |  |  |  | 15 |  |  | $ | 1,935 |
Troubled debt restructured loans which had payment defaults during the years ended December 31, 2012 and 2011, segregated by class, are shown in the table below. Default occurs when a loan is 90 days or more past due or transferred to nonaccrual.
|  | December 31, 2012 |  |  | December 31, 2011 |
|  | Number of Defaults |  |  | Unpaid Principal Balance |  |  | Number of Defaults |  |  | Unpaid Principal Balance |
Commercial |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Owner occupied real estate |  |  | 3 |  |  | $ | 1,272 |  |  |  | 1 |  |  | $ | 835 |
Non owner occupied real estate |  |  | 3 |  |  |  | 1,605 |  |  |  | — |  |  |  | — |
Residential development |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Development & Spec Land Loans |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Commercial and industrial |  |  | — |  |  |  | — |  |  |  | 2 |  |  |  | 218 |
Total commercial |  |  | 6 |  |  |  | 2,877 |  |  |  | 3 |  |  |  | 1,053 |
Real estate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Residential mortgage |  |  | 4 |  |  |  | 1,168 |  |  |  | 2 |  |  |  | 1,120 |
Residential construction |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Mortgage warehouse |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Total real estate |  |  | 4 |  |  |  | 1,168 |  |  |  | 2 |  |  |  | 1,120 |
Consumer |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Direct Installment |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Direct Installment Purchased |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Indirect Installment |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Home Equity |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Total Consumer |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Total |  |  | 10 |  |  | $ | 4,045 |  |  |  | 5 |  |  | $ | 2,173 |
Commercial loans individually evaluated for impairment by class of loans |
|  |  |  |  |  |  |  |  |  |  | Twelve Months Ending |
December 31, 2012 |  | Unpaid Principal Balance |  |  | Recorded Investment |  |  | Allowance For Loan Loss Allocated |  |  | Average Balance in Impaired Loans |  |  | Cash/Accrual Interest Income Recognized |
With no recorded allowance |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Owner occupied real estate |  | $ | 4,890 |  |  | $ | 4,901 |  |  | $ | — |  |  | $ | 2,422 |  |  | $ | 80 |
Non owner occupied real estate |  |  | 1,961 |  |  |  | 1,963 |  |  |  | — |  |  |  | 1,544 |  |  |  | 20 |
Residential development |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Development & Spec Land Loans |  |  | 133 |  |  |  | 133 |  |  |  | — |  |  |  | 61 |  |  |  | — |
Commercial and industrial |  |  | 449 |  |  |  | 466 |  |  |  | — |  |  |  | 297 |  |  |  | — |
Total commercial |  |  | 7,433 |  |  |  | 7,463 |  |  |  | — |  |  |  | 4,324 |  |  |  | 100 |
With an allowance recorded |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Owner occupied real estate |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Non owner occupied real estate |  |  | 1,795 |  |  |  | 1,795 |  |  |  | 1,080 |  |  |  | 481 |  |  |  | 95 |
Residential development |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Development & Spec Land Loans |  |  | 572 |  |  |  | 572 |  |  |  | 600 |  |  |  | 526 |  |  |  | 6 |
Commercial and industrial |  |  | 797 |  |  |  | 797 |  |  |  | 265 |  |  |  | 806 |  |  |  | — |
Total commercial |  |  | 3,164 |  |  |  | 3,164 |  |  |  | 1,945 |  |  |  | 1,813 |  |  |  | 101 |
Total |  | $ | 10,597 |  |  | $ | 10,627 |  |  | $ | 1,945 |  |  | $ | 6,137 |  |  | $ | 201 |
|  |  |  |  |  |  |  |  |  |  | Twelve Months Ending |
December 31, 2011 |  | Unpaid Principal Balance |  |  | Recorded Investment |  |  | Allowance For Loan Loss Allocated |  |  | Average Balance in Impaired Loans |  |  | Interest Income Recognized |
With no recorded allowance |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Owner occupied real estate |  | $ | 192 |  |  | $ | 192 |  |  | $ | — |  |  | $ | 110 |  |  | $ | 2 |
Non owner occupied real estate |  |  | 954 |  |  |  | 956 |  |  |  | — |  |  |  | 639 |  |  |  | 43 |
Residential development |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Development & Spec Land Loans |  |  | 90 |  |  |  | 90 |  |  |  | — |  |  |  | 157 |  |  |  | — |
Commercial and industrial |  |  | 396 |  |  |  | 396 |  |  |  | — |  |  |  | 355 |  |  |  | 6 |
Total commercial |  |  | 1,632 |  |  |  | 1,634 |  |  |  | — |  |  |  | 1,261 |  |  |  | 51 |
With an allowance recorded |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Owner occupied real estate |  |  | 2,323 |  |  |  | 2,323 |  |  |  | 770 |  |  |  | 1,911 |  |  |  | 25 |
Non owner occupied real estate |  |  | 3,168 |  |  |  | 3,168 |  |  |  | 1,080 |  |  |  | 830 |  |  |  | 83 |
Residential development |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Development & Spec Land Loans |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Commercial and industrial |  |  | 835 |  |  |  | 835 |  |  |  | 286 |  |  |  | 839 |  |  |  | 22 |
Total commercial |  |  | 6,326 |  |  |  | 6,326 |  |  |  | 2,136 |  |  |  | 3,580 |  |  |  | 130 |
Total |  | $ | 7,958 |  |  | $ | 7,960 |  |  | $ | 2,136 |  |  | $ | 4,841 |  |  | $ | 181 |
Payment status by class of loan |
December 31, 2012 |  | 30 -59 Days Past Due |  |  | 60 -89 Days Past Due |  |  | Greater than 90 Days Past Due |  |  | Total Past Due |  |  | Loans Not Past Due |  |  | Total |
Commercial |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Owner occupied real estate |  | $ | 2,207 |  |  | $ | 19 |  |  | $ | — |  |  | $ | 2,226 |  |  | $ | 160,468 |  |  | $ | 162,694 |
Non owner occupied real estate |  |  | 669 |  |  |  | 147 |  |  |  | — |  |  |  | 816 |  |  |  | 200,947 |  |  |  | 201,763 |
Residential development |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 1,056 |  |  |  | 1,056 |
Development & Spec Land Loans |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 6,963 |  |  |  | 6,963 |
Commercial and industrial |  |  | 538 |  |  |  | 16 |  |  |  | — |  |  |  | 554 |  |  |  | 86,528 |  |  |  | 87,082 |
Total commercial |  |  | 3,414 |  |  |  | 182 |  |  |  | — |  |  |  | 3,596 |  |  |  | 455,962 |  |  |  | 459,558 |
Real estate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Residential mortgage |  |  | 167 |  |  |  | — |  |  |  | 2 |  |  |  | 169 |  |  |  | 181,281 |  |  |  | 181,450 |
Residential construction |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 7,681 |  |  |  | 7,681 |
Mortgage warehouse |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 251,448 |  |  |  | 251,448 |
Total real estate |  |  | 167 |  |  |  | — |  |  |  | 2 |  |  |  | 169 |  |  |  | 440,410 |  |  |  | 440,579 |
Consumer |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Direct Installment |  |  | 240 |  |  |  | 64 |  |  |  | 26 |  |  |  | 330 |  |  |  | 27,501 |  |  |  | 27,831 |
Direct Installment Purchased |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 429 |  |  |  | 429 |
Indirect Installment |  |  | 1,105 |  |  |  | 177 |  |  |  | 26 |  |  |  | 1,308 |  |  |  | 132,173 |  |  |  | 133,481 |
Home Equity |  |  | 1,072 |  |  |  | 321 |  |  |  | — |  |  |  | 1,393 |  |  |  | 125,195 |  |  |  | 126,588 |
Total consumer |  |  | 2,417 |  |  |  | 562 |  |  |  | 52 |  |  |  | 3,031 |  |  |  | 285,298 |  |  |  | 288,329 |
Total |  | $ | 5,998 |  |  | $ | 744 |  |  | $ | 54 |  |  | $ | 6,796 |  |  | $ | 1,181,670 |  |  | $ | 1,188,466 |
Percentage of total loans |  |  | 0.50 | % |  |  | 0.06 | % |  |  | 0.00 | % |  |  | 0.57 | % |  |  | 99.43 | % |  |  |  |
December 31, 2011 |  | 30 -59 Days Past Due |  |  | 60 -89 Days Past Due |  |  | Greater than 90 Days Past Due |  |  | Total Past Due |  |  | Loans Not Past Due |  |  | Total |
Commercial |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Owner occupied real estate |  | $ | 89 |  |  | $ | 168 |  |  | $ | — |  |  | $ | 257 |  |  | $ | 131,636 |  |  | $ | 131,893 |
Non owner occupied real estate |  |  | 228 |  |  |  | — |  |  |  | — |  |  |  | 228 |  |  |  | 142,041 |  |  |  | 142,269 |
Residential development |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 3,574 |  |  |  | 3,574 |
Development & Spec Land Loans |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 8,739 |  |  |  | 8,739 |
Commercial and industrial |  |  | 34 |  |  |  | 22 |  |  |  | — |  |  |  | 56 |  |  |  | 65,718 |  |  |  | 65,774 |
Total commercial |  |  | 351 |  |  |  | 190 |  |  |  | — |  |  |  | 541 |  |  |  | 351,708 |  |  |  | 352,249 |
Real estate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Residential mortgage |  |  | 411 |  |  |  | — |  |  |  | — |  |  |  | 411 |  |  |  | 150,482 |  |  |  | 150,893 |
Residential construction |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 6,181 |  |  |  | 6,181 |
Mortgage warehouse |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 208,299 |  |  |  | 208,299 |
Total real estate |  |  | 411 |  |  |  | — |  |  |  | — |  |  |  | 411 |  |  |  | 364,962 |  |  |  | 365,373 |
Consumer |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Direct Installment |  |  | 164 |  |  |  | 22 |  |  |  | 1 |  |  |  | 187 |  |  |  | 24,065 |  |  |  | 24,252 |
Direct Installment Purchased |  |  | 7 |  |  |  | 14 |  |  |  | 4 |  |  |  | 25 |  |  |  | 956 |  |  |  | 981 |
Indirect Installment |  |  | 1,333 |  |  |  | 335 |  |  |  | 29 |  |  |  | 1,697 |  |  |  | 126,054 |  |  |  | 127,751 |
Home Equity |  |  | 363 |  |  |  | 92 |  |  |  | 3 |  |  |  | 458 |  |  |  | 113,103 |  |  |  | 113,561 |
Total consumer |  |  | 1,867 |  |  |  | 463 |  |  |  | 37 |  |  |  | 2,367 |  |  |  | 264,178 |  |  |  | 266,545 |
Total |  | $ | 2,629 |  |  | $ | 653 |  |  | $ | 37 |  |  | $ | 3,319 |  |  | $ | 980,848 |  |  | $ | 984,167 |
Percentage of total loans |  |  | 0.27 | % |  |  | 0.07 | % |  |  | 0.00 | % |  |  | 0.34 | % |  |  | 99.66 | % |  |  |  |
Loans by credit grades |
December 31, 2012 |  | Pass |  |  | Special Mention |  |  | Substandard |  |  | Doubtful |  |  | Total |
Commercial |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Owner occupied real estate |  | $ | 137,664 |  |  | $ | 6,407 |  |  | $ | 17,029 |  |  | $ | 1,594 |  |  | $ | 162,694 |
Non owner occupied real estate |  |  | 171,319 |  |  |  | 19,440 |  |  |  | 10,717 |  |  |  | 287 |  |  |  | 201,763 |
Residential development |  |  | 405 |  |  |  | — |  |  |  | 651 |  |  |  | — |  |  |  | 1,056 |
Development & Spec Land Loans |  |  | 3,171 |  |  |  | 178 |  |  |  | 3,614 |  |  |  | — |  |  |  | 6,963 |
Commercial and industrial |  |  | 78,810 |  |  |  | 3,136 |  |  |  | 5,136 |  |  |  | — |  |  |  | 87,082 |
Total commercial |  |  | 391,369 |  |  |  | 29,161 |  |  |  | 37,147 |  |  |  | 1,881 |  |  |  | 459,558 |
Real estate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Residential mortgage |  |  | 172,586 |  |  |  | — |  |  |  | 8,864 |  |  |  | — |  |  |  | 181,450 |
Residential construction |  |  | 7,390 |  |  |  | — |  |  |  | 291 |  |  |  | — |  |  |  | 7,681 |
Mortgage warehouse |  |  | 251,448 |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 251,448 |
Total real estate |  |  | 431,424 |  |  |  | — |  |  |  | 9,155 |  |  |  | — |  |  |  | 440,579 |
Consumer |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Direct Installment |  |  | 27,667 |  |  |  | — |  |  |  | 164 |  |  |  | — |  |  |  | 27,831 |
Direct Installment Purchased |  |  | 429 |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 429 |
Indirect Installment |  |  | 132,589 |  |  |  | — |  |  |  | 892 |  |  |  | — |  |  |  | 133,481 |
Home Equity |  |  | 123,713 |  |  |  | — |  |  |  | 2,875 |  |  |  | — |  |  |  | 126,588 |
Total Consumer |  |  | 284,398 |  |  |  | — |  |  |  | 3,931 |  |  |  | — |  |  |  | 288,329 |
Total |  | $ | 1,107,191 |  |  | $ | 29,161 |  |  | $ | 50,233 |  |  | $ | 1,881 |  |  | $ | 1,188,466 |
Percentage of total loans |  |  | 93.16 | % |  |  | 2.45 | % |  |  | 4.23 | % |  |  | 0.16 | % |  |  |  |
December 31, 2011 |  | Pass |  |  | Special Mention |  |  | Substandard |  |  | Doubtful |  |  | Total |
Commercial |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Owner occupied real estate |  | $ | 107,155 |  |  | $ | 4,101 |  |  | $ | 20,637 |  |  | $ | — |  |  | $ | 131,893 |
Non owner occupied real estate |  |  | 118,446 |  |  |  | 11,423 |  |  |  | 12,400 |  |  |  | — |  |  |  | 142,269 |
Residential development |  |  | 1,677 |  |  |  | 529 |  |  |  | 1,368 |  |  |  | — |  |  |  | 3,574 |
Development & Spec Land Loans |  |  | 3,778 |  |  |  | 860 |  |  |  | 4,101 |  |  |  | — |  |  |  | 8,739 |
Commercial and industrial |  |  | 55,964 |  |  |  | 3,012 |  |  |  | 6,798 |  |  |  | — |  |  |  | 65,774 |
Total commercial |  |  | 287,020 |  |  |  | 19,925 |  |  |  | 45,304 |  |  |  | — |  |  |  | 352,249 |
Real estate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Residential mortgage |  |  | 142,834 |  |  |  | — |  |  |  | 8,059 |  |  |  | — |  |  |  | 150,893 |
Residential construction |  |  | 5,744 |  |  |  | — |  |  |  | 437 |  |  |  | — |  |  |  | 6,181 |
Mortgage warehouse |  |  | 208,299 |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 208,299 |
Total real estate |  |  | 356,877 |  |  |  | — |  |  |  | 8,496 |  |  |  | — |  |  |  | 365,373 |
Consumer |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Direct Installment |  |  | 23,995 |  |  |  | — |  |  |  | 257 |  |  |  | — |  |  |  | 24,252 |
Direct Installment Purchased |  |  | 977 |  |  |  | — |  |  |  | 4 |  |  |  | — |  |  |  | 981 |
Indirect Installment |  |  | 126,796 |  |  |  | — |  |  |  | 955 |  |  |  | — |  |  |  | 127,751 |
Home Equity |  |  | 111,088 |  |  |  | — |  |  |  | 2,473 |  |  |  | — |  |  |  | 113,561 |
Total Consumer |  |  | 262,856 |  |  |  | — |  |  |  | 3,689 |  |  |  | — |  |  |  | 266,545 |
Total |  | $ | 906,753 |  |  | $ | 19,925 |  |  | $ | 57,489 |  |  | $ | — |  |  | $ | 984,167 |
Percentage of total loans |  |  | 92.13 | % |  |  | 2.02 | % |  |  | 5.84 | % |  |  | 0.00 | % |  |  |  |

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- Definition Tabular disclosure of troubled debt restructurings in the periods following the restructuring, including: (1) a description of the portion of the recorded [restructured] debt which is contingently payable based on the occurrence of future events or circumstances; (2) the dollar amount of the portion of the recorded [restructured] debt which is contingently payable based on the occurrence of future events or circumstances; and (3) a description of the circumstance, events, or conditions that would cause payments to occur or the creditor to forgive the contingent portion of recorded debt. + 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 Statement of Financial Accounting Standard (FAS) -Number 15 -Paragraph 26 -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009. This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy. + Details
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