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Non-performing Loans and Impaired Loans (Tables) | 6 Months Ended
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Jun. 30, 2013
Non-performing Loans and Impaired Loans [Abstract] |
Nonaccrual, loans past due over 90 days still on accrual, and troubled debt restructured ("TDRs") by class of loans |
June 30, 2013 |  | Nonaccrual |  |  | Loans Past Due Over 90 Days Still Accruing |  |  | Non Performing TDR’s |  |  | Performing TDR’s |  |  | Total Non- Performing Loans |
Commercial |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Owner occupied real estate |  | $ | 451 |  |  | $ | — |  |  | $ | 79 |  |  | $ | 784 |  |  | $ | 1,314 |
Non owner occupied real estate |  |  | 2,504 |  |  |  | 76 |  |  |  | 1,424 |  |  |  | 446 |  |  |  | 4,450 |
Residential development |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Development & Spec Land Loans |  |  | 733 |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 733 |
Commercial and industrial |  |  | 2,183 |  |  |  | — |  |  |  | 786 |  |  |  | — |  |  |  | 2,969 |
Total commercial |  |  | 5,871 |  |  |  | 76 |  |  |  | 2,289 |  |  |  | 1,230 |  |  |  | 9,466 |
Real estate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Residential mortgage |  |  | 3,795 |  |  |  | 3 |  |  |  | 2,866 |  |  |  | 2,415 |  |  |  | 9,079 |
Residential construction |  |  | — |  |  |  | — |  |  |  | 287 |  |  |  | — |  |  |  | 287 |
Mortgage warehouse |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Total real estate |  |  | 3,795 |  |  |  | 3 |  |  |  | 3,153 |  |  |  | 2,415 |  |  |  | 9,366 |
Consumer |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Direct Installment |  |  | 410 |  |  |  | 31 |  |  |  | — |  |  |  | — |  |  |  | 441 |
Direct Installment Purchased |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Indirect Installment |  |  | 717 |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 717 |
Home Equity |  |  | 3,062 |  |  |  | 12 |  |  |  | 1,144 |  |  |  | 1,441 |  |  |  | 5,659 |
Total Consumer |  |  | 4,189 |  |  |  | 43 |  |  |  | 1,144 |  |  |  | 1,441 |  |  |  | 6,817 |
Total |  | $ | 13,855 |  |  | $ | 122 |  |  | $ | 6,586 |  |  | $ | 5,086 |  |  | $ | 25,649 |
December 31, 2012 |  | Nonaccrual |  |  | Loans Past Due Over 90 Days Still Accruing |  |  | Non Performing TDR’s |  |  | Performing TDR’s |  |  | Total Non- Performing 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 transferred and classified as troubled debt restructuring |
|  | June 30, 2013 |  |  | June 30, 2012 |
|  | Number of Defaults |  |  | Unpaid Principal Balance |  |  | Number of Defaults |  |  | Unpaid Principal Balance |
Commercial |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Owner occupied real estate |  |  | — |  |  | $ | — |  |  |  | — |  |  | $ | — |
Non owner occupied real estate |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Residential development |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Development & Spec Land Loans |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Commercial and industrial |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Total commercial |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Real estate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Residential mortgage |  |  | 5 |  |  |  | 758 |  |  |  | 1 |  |  |  | 332 |
Residential construction |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Mortgage warehouse |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Total real estate |  |  | 5 |  |  |  | 758 |  |  |  | 1 |  |  |  | 332 |
Consumer |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Direct Installment |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Direct Installment Purchased |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Indirect Installment |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Home Equity |  |  | 1 |  |  |  | 997 |  |  |  | — |  |  |  | — |
Total Consumer |  |  | 1 |  |  |  | 997 |  |  |  | — |  |  |  | — |
Total |  |  | 6 |  |  | $ | 1,755 |  |  |  | 1 |  |  | $ | 332 |
Troubled debt restructured loans which had payment defaults during the six months ended June 30, 2013 and 2012, segregated by class, are shown in the table below. Default occurs when a loan is 90 days or more past due or has been transferred to nonaccrual.
|  | June 30, 2013 |  |  | June 30, 2012 |
|  | Number of Defaults |  |  | Unpaid Principal Balance |  |  | Number of Defaults |  |  | Unpaid Principal Balance |
Commercial |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Owner occupied real estate |  |  | — |  |  | $ | — |  |  |  | — |  |  | $ | — |
Non owner occupied real estate |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Residential development |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Development & Spec Land Loans |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Commercial and industrial |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Total commercial |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Real estate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Residential mortgage |  |  | 3 |  |  |  | 239 |  |  |  | 2 |  |  |  | 410 |
Residential construction |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Mortgage warehouse |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Total real estate |  |  | 3 |  |  |  | 239 |  |  |  | 2 |  |  |  | 410 |
Consumer |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Direct Installment |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Direct Installment Purchased |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Indirect Installment |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Home Equity |  |  | 1 |  |  |  | 997 |  |  |  | — |  |  |  | — |
Total Consumer |  |  | 1 |  |  |  | 997 |  |  |  | — |  |  |  | — |
Total |  |  | 4 |  |  | $ | 1,236 |  |  |  | 2 |  |  | $ | 410 |
Commercial loans individually evaluated for impairment by class of loans |
|  |  |  |  |  |  |  |  |  |  | Three Months Ending |  |  | Six Months Ending |
June 30, 2013 |  | Unpaid Principal Balance |  |  | Recorded Investment |  |  | Allowance For Loan Loss Allocated |  |  | Average Balance in Impaired Loans |  |  | Cash/Accrual Interest Income Recognized |  |  | Average Balance in Impaired Loans |  |  | Cash/Accrual Interest Income Recognized |
With no recorded allowance |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Owner occupied real estate |  | $ | 1,142 |  |  | $ | 1,146 |  |  | $ | — |  |  | $ | 1,750 |  |  |  | 13 |  |  | $ | 1,785 |  |  | $ | 27 |
Non owner occupied real estate |  |  | 2,579 |  |  |  | 2,584 |  |  |  | — |  |  |  | 2,710 |  |  |  | 12 |  |  |  | 2,439 |  |  |  | 23 |
Residential development |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Development & Spec Land Loans |  |  | 60 |  |  |  | 60 |  |  |  | — |  |  |  | 64 |  |  |  | — |  |  |  | 45 |  |  |  | — |
Commercial and industrial |  |  | 906 |  |  |  | 922 |  |  |  | — |  |  |  | 1,595 |  |  |  | 3 |  |  |  | 1,478 |  |  |  | 3 |
Total commercial |  |  | 4,687 |  |  |  | 4,712 |  |  |  | — |  |  |  | 6,119 |  |  |  | 28 |  |  |  | 5,747 |  |  |  | 53 |
With an allowance recorded |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Owner occupied real estate |  |  | 172 |  |  |  | 172 |  |  |  | 30 |  |  |  | 216 |  |  |  | — |  |  |  | 222 |  |  |  | — |
Non owner occupied real estate |  |  | 1,795 |  |  |  | 1,795 |  |  |  | 1,097 |  |  |  | 1,799 |  |  |  | — |  |  |  | 1,809 |  |  |  | — |
Residential development |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Development & Spec Land Loans |  |  | 673 |  |  |  | 673 |  |  |  | 425 |  |  |  | 702 |  |  |  | — |  |  |  | 706 |  |  |  | — |
Commercial and industrial |  |  | 2,063 |  |  |  | 2,075 |  |  |  | 846 |  |  |  | 2,072 |  |  |  | 20 |  |  |  | 1,433 |  |  |  | 20 |
Total commercial |  |  | 4,703 |  |  |  | 4,715 |  |  |  | 2,398 |  |  |  | 4,789 |  |  |  | 20 |  |  |  | 4,170 |  |  |  | 20 |
Total |  | $ | 9,390 |  |  | $ | 9,427 |  |  | $ | 2,398 |  |  | $ | 10,908 |  |  | $ | 48 |  |  | $ | 9,917 |  |  | $ | 73 |
|  |  |  |  |  |  |  |  |  |  | Three Months Ending |  |  | Six Months Ending |
June 30, 2012 |  | Unpaid Principal Balance |  |  | Recorded Investment |  |  | Allowance For Loan Loss Allocated |  |  | Average Balance in Impaired Loans |  |  | Cash/Accrual Interest Income Recognized |  |  | Average Balance in Impaired Loans |  |  | Interest Income Recognized |
With no recorded allowance |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Owner occupied real estate |  | $ | 1,350 |  |  | $ | 1,350 |  |  | $ | — |  |  | $ | 1,403 |  |  | $ | — |  |  | $ | 1,343 |  |  | $ | 2 |
Non owner occupied real estate |  |  | 422 |  |  |  | 422 |  |  |  | — |  |  |  | 389 |  |  |  | 2 |  |  |  | 392 |  |  |  | 3 |
Residential development |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Development & Spec Land Loans |  |  | 14 |  |  |  | 14 |  |  |  | — |  |  |  | 5 |  |  |  | 1 |  |  |  | 2 |  |  |  | 1 |
Commercial and industrial |  |  | 257 |  |  |  | 257 |  |  |  | — |  |  |  | 365 |  |  |  | — |  |  |  | 312 |  |  |  | 5 |
Total commercial |  |  | 2,043 |  |  |  | 2,043 |  |  |  | — |  |  |  | 2,162 |  |  |  | 3 |  |  |  | 2,049 |  |  |  | 11 |
With an allowance recorded |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Owner occupied real estate |  |  | 1,606 |  |  |  | 1,606 |  |  |  | 475 |  |  |  | 1,161 |  |  |  | 17 |  |  |  | 1,127 |  |  |  | 18 |
Non owner occupied real estate |  |  | 3,682 |  |  |  | 3,684 |  |  |  | 1,100 |  |  |  | 3,685 |  |  |  | — |  |  |  | 3,524 |  |  |  | — |
Residential development |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Development & Spec Land Loans |  |  | 661 |  |  |  | 661 |  |  |  | 615 |  |  |  | 676 |  |  |  | — |  |  |  | 455 |  |  |  | 6 |
Commercial and industrial |  |  | 804 |  |  |  | 804 |  |  |  | 273 |  |  |  | 806 |  |  |  | — |  |  |  | 811 |  |  |  | — |
Total commercial |  |  | 6,753 |  |  |  | 6,755 |  |  |  | 2,463 |  |  |  | 6,328 |  |  |  | 17 |  |  |  | 5,917 |  |  |  | 24 |
Total |  | $ | 8,796 |  |  | $ | 8,798 |  |  | $ | 2,463 |  |  | $ | 8,490 |  |  | $ | 20 |  |  | $ | 7,966 |  |  | $ | 35 |
Payment status by class of loan |
June 30, 2013 |  | 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 |  | $ | 525 |  |  | $ | 506 |  |  | $ | — |  |  | $ | 1,031 |  |  | $ | 158,348 |  |  | $ | 159,379 |
Non owner occupied real estate |  |  | — |  |  |  | 68 |  |  |  | 76 |  |  |  | 144 |  |  |  | 233,059 |  |  |  | 233,203 |
Residential development |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 245 |  |  |  | 245 |
Development & Spec Land Loans |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 12,988 |  |  |  | 12,988 |
Commercial and industrial |  |  | 354 |  |  |  | 58 |  |  |  | — |  |  |  | 412 |  |  |  | 95,237 |  |  |  | 95,649 |
Total commercial |  |  | 879 |  |  |  | 632 |  |  |  | 76 |  |  |  | 1,587 |  |  |  | 499,877 |  |  |  | 501,464 |
Real estate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Residential mortgage |  |  | 330 |  |  |  | 2 |  |  |  | 3 |  |  |  | 335 |  |  |  | 173,697 |  |  |  | 174,032 |
Residential construction |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 8,133 |  |  |  | 8,133 |
Mortgage warehouse |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 154,962 |  |  |  | 154,962 |
Total real estate |  |  | 330 |  |  |  | 2 |  |  |  | 3 |  |  |  | 335 |  |  |  | 336,792 |  |  |  | 337,127 |
Consumer |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Direct Installment |  |  | 135 |  |  |  | 18 |  |  |  | 31 |  |  |  | 184 |  |  |  | 27,915 |  |  |  | 28,099 |
Direct Installment Purchased |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 358 |  |  |  | 358 |
Indirect Installment |  |  | 808 |  |  |  | 46 |  |  |  | — |  |  |  | 854 |  |  |  | 127,793 |  |  |  | 128,647 |
Home Equity |  |  | 703 |  |  |  | 530 |  |  |  | 12 |  |  |  | 1,245 |  |  |  | 119,302 |  |  |  | 120,547 |
Total consumer |  |  | 1,646 |  |  |  | 594 |  |  |  | 43 |  |  |  | 2,283 |  |  |  | 275,368 |  |  |  | 277,651 |
Total |  | $ | 2,855 |  |  | $ | 1,228 |  |  | $ | 122 |  |  | $ | 4,205 |  |  | $ | 1,112,037 |  |  | $ | 1,116,242 |
Percentage of total loans |  |  | 0.26 | % |  |  | 0.11 | % |  |  | 0.01 | % |  |  | 0.38 | % |  |  | 99.62 | % |  |  |  |
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 | % |  |  |  |
Loans by credit grades |
June 30, 2013 |  | Pass |  |  | Special Mention |  |  | Substandard |  |  | Doubtful |  |  | Total |
Commercial |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Owner occupied real estate |  | $ | 147,937 |  |  | $ | 3,247 |  |  | $ | 8,195 |  |  | $ | — |  |  | $ | 159,379 |
Non owner occupied real estate |  |  | 209,033 |  |  |  | 5,490 |  |  |  | 18,680 |  |  |  | — |  |  |  | 233,203 |
Residential development |  |  | 245 |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 245 |
Development & Spec Land Loans |  |  | 9,618 |  |  |  | 96 |  |  |  | 3,274 |  |  |  | — |  |  |  | 12,988 |
Commercial and industrial |  |  | 84,045 |  |  |  | 6,163 |  |  |  | 5,441 |  |  |  | — |  |  |  | 95,649 |
Total commercial |  |  | 450,878 |  |  |  | 14,996 |  |  |  | 35,590 |  |  |  | — |  |  |  | 501,464 |
Real estate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Residential mortgage |  |  | 164,953 |  |  |  | — |  |  |  | 9,079 |  |  |  | — |  |  |  | 174,032 |
Residential construction |  |  | 7,846 |  |  |  | — |  |  |  | 287 |  |  |  | — |  |  |  | 8,133 |
Mortgage warehouse |  |  | 154,962 |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 154,962 |
Total real estate |  |  | 327,761 |  |  |  | — |  |  |  | 9,366 |  |  |  | — |  |  |  | 337,127 |
Consumer |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Direct Installment |  |  | 27,658 |  |  |  | — |  |  |  | 441 |  |  |  | — |  |  |  | 28,099 |
Direct Installment Purchased |  |  | 358 |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 358 |
Indirect Installment |  |  | 127,930 |  |  |  | — |  |  |  | 717 |  |  |  | — |  |  |  | 128,647 |
Home Equity |  |  | 114,888 |  |  |  | — |  |  |  | 5,659 |  |  |  | — |  |  |  | 120,547 |
Total Consumer |  |  | 270,834 |  |  |  | — |  |  |  | 6,817 |  |  |  | — |  |  |  | 277,651 |
Total |  | $ | 1,049,473 |  |  | $ | 14,996 |  |  | $ | 51,773 |  |  | $ | — |  |  | $ | 1,116,242 |
Percentage of total loans |  |  | 94.02 | % |  |  | 1.34 | % |  |  | 4.64 | % |  |  | 0.00 | % |  |  |  |
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 | % |  |  |  |

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- Definition Tabular disclosure of financing receivables by credit quality indicator. The credit quality indicator is a statistic about the credit quality of financing receivables. Examples include, but not limited to, consumer credit risk scores, credit-rating-agency ratings, an entity's internal credit risk grades, loan-to-value ratios, collateral, collection experience and other internal metrics. + References Reference 1: http://www.xbrl.org/2003/role/presentationRef -Publisher FASB -Name Accounting Standards Codification -Topic 310 -SubTopic 10 -Section 50 -Paragraph 29 -URI http://asc.fasb.org/extlink&oid=28368275&loc=SL6953659-111524 Reference 2: http://www.xbrl.org/2003/role/presentationRef -Publisher FASB -Name Accounting Standards Codification -Topic 310 -SubTopic 10 -Section 55 -Paragraph 19 -URI http://asc.fasb.org/extlink&oid=32702940&loc=SL6953803-111525 + Details
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