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Non-performing Loans and Impaired Loans (Tables) | 3 Months Ended
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Mar. 31, 2014
Text Block [Abstract] |
Nonaccrual, Loans Past Due Over 90 Days Still on Accrual, and Troubled Debt Restructured ("TDRs") by Class of Loans | The following table presents the nonaccrual, loans past due over 90 days still on accrual, and troubled debt restructured (“TDRs”) by class of loans:
March 31, 2014 |  | 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 |  | $ | 294 |  |  | $ | — |  |  | $ | 81 |  |  | $ | 769 |  |  | $ | 1,144 |
Non owner occupied real estate |  |  | 2,192 |  |  |  | — |  |  |  | 1,084 |  |  |  | 514 |  |  |  | 3,790 |
Residential development |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Development & Spec Land Loans |  |  | 162 |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 162 |
Commercial and industrial |  |  | 1,043 |  |  |  | — |  |  |  | 1,173 |  |  |  | — |  |  |  | 2,216 |
Total commercial |  |  | 3,691 |  |  |  | — |  |  |  | 2,338 |  |  |  | 1,283 |  |  |  | 7,312 |
Real estate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Residential mortgage |  |  | 2,709 |  |  |  | 3 |  |  |  | 858 |  |  |  | 2,510 |  |  |  | 6,080 |
Residential construction |  |  | — |  |  |  | — |  |  |  | 278 |  |  |  | — |  |  |  | 278 |
Mortgage warehouse |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Total real estate |  |  | 2,709 |  |  |  | 3 |  |  |  | 1,136 |  |  |  | 2,510 |  |  |  | 6,358 |
Consumer |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Direct Installment |  |  | 289 |  |  |  | 20 |  |  |  | — |  |  |  | — |  |  |  | 309 |
Direct Installment Purchased |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Indirect Installment |  |  | 536 |  |  |  | 103 |  |  |  | — |  |  |  | — |  |  |  | 639 |
Home Equity |  |  | 1,548 |  |  |  | 77 |  |  |  | 187 |  |  |  | 1,206 |  |  |  | 3,018 |
Total Consumer |  |  | 2,373 |  |  |  | 200 |  |  |  | 187 |  |  |  | 1,206 |  |  |  | 3,966 |
Total |  | $ | 8,773 |  |  | $ | 203 |  |  | $ | 3,661 |  |  | $ | 4,999 |  |  | $ | 17,636 |
December 31, 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 |  | $ | 293 |  |  | $ | — |  |  | $ | 222 |  |  | $ | 778 |  |  | $ | 1,293 |
Non owner occupied real estate |  |  | 2,289 |  |  |  | 45 |  |  |  | 1,117 |  |  |  | 518 |  |  |  | 3,969 |
Residential development |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Development & Spec Land Loans |  |  | 182 |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 182 |
Commercial and industrial |  |  | 1,250 |  |  |  | — |  |  |  | 777 |  |  |  | — |  |  |  | 2,027 |
Total commercial |  |  | 4,014 |  |  |  | 45 |  |  |  | 2,116 |  |  |  | 1,296 |  |  |  | 7,471 |
Real estate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Residential mortgage |  |  | 2,459 |  |  |  | 2 |  |  |  | 719 |  |  |  | 2,686 |  |  |  | 5,866 |
Residential construction |  |  | — |  |  |  | — |  |  |  | 280 |  |  |  | — |  |  |  | 280 |
Mortgage warehouse |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Total real estate |  |  | 2,459 |  |  |  | 2 |  |  |  | 999 |  |  |  | 2,686 |  |  |  | 6,146 |
Consumer |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Direct Installment |  |  | 202 |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 202 |
Direct Installment Purchased |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Indirect Installment |  |  | 531 |  |  |  | 2 |  |  |  | — |  |  |  | — |  |  |  | 533 |
Home Equity |  |  | 2,542 |  |  |  | — |  |  |  | 311 |  |  |  | 1,072 |  |  |  | 3,925 |
Total Consumer |  |  | 3,275 |  |  |  | 2 |  |  |  | 311 |  |  |  | 1,072 |  |  |  | 4,660 |
Total |  | $ | 9,748 |  |  | $ | 49 |  |  | $ | 3,426 |  |  | $ | 5,054 |  |  | $ | 18,277 |
Loans Transferred and Classified as Troubled Debt Restructured Loans | Loans transferred and classified as troubled debt restructuring during the three months ended March 31, 2014 and 2013, segregated by class, are shown in the table below.
|  | March 31, 2014 |  |  | March 31, 2013 |
|  | Number of Defaults |  |  | Unpaid Principal Balance |  |  | Number of Defaults |  |  | Unpaid Principal Balance |
Commercial |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Owner occupied real estate |  |  | — |  |  | $ | — |  |  |  | 2 |  |  | $ | 76 |
Non owner occupied real estate |  |  | — |  |  |  | — |  |  |  | 1 |  |  |  | 70 |
Residential development |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Development & Spec Land Loans |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Commercial and industrial |  |  | 2 |  |  |  | 398 |  |  |  | — |  |  |  | — |
Total commercial |  |  | 2 |  |  |  | 398 |  |  |  | 3 |  |  |  | 146 |
Real estate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Residential mortgage |  |  | — |  |  |  | — |  |  |  | 3 |  |  |  | 390 |
Residential construction |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Mortgage warehouse |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Total real estate |  |  | — |  |  |  | — |  |  |  | 3 |  |  |  | 390 |
Consumer |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Direct Installment |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Direct Installment Purchased |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Indirect Installment |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Home Equity |  |  | 1 |  |  |  | 146 |  |  |  | 2 |  |  |  | 791 |
Total Consumer |  |  | 1 |  |  |  | 146 |  |  |  | 2 |  |  |  | 791 |
Total |  |  | 3 |  |  | $ | 544 |  |  |  | 8 |  |  | $ | 1,327 |
Troubled debt restructured loans which had payment defaults during the three months ended March 31, 2014 and 2013, 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.
|  | March 31, 2014 |  |  | March 31, 2013 |
|  | Number of Defaults |  |  | Unpaid Principal Balance |  |  | Number of Defaults |  |  | Unpaid Principal Balance |
Commercial |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Owner occupied real estate |  |  | — |  |  | $ | — |  |  |  | 2 |  |  | $ | 76 |
Non owner occupied real estate |  |  | — |  |  |  | — |  |  |  | 1 |  |  |  | 70 |
Residential development |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Development & Spec Land Loans |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Commercial and industrial |  |  | 2 |  |  |  | 398 |  |  |  | — |  |  |  | — |
Total commercial |  |  | 2 |  |  |  | 398 |  |  |  | 3 |  |  |  | 146 |
Real estate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Residential mortgage |  |  | 1 |  |  |  | 154 |  |  |  | 1 |  |  |  | 234 |
Residential construction |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Mortgage warehouse |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Total real estate |  |  | 1 |  |  |  | 154 |  |  |  | 1 |  |  |  | 234 |
Consumer |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Direct Installment |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Direct Installment Purchased |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Indirect Installment |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Home Equity |  |  | 1 |  |  |  | 146 |  |  |  | — |  |  |  | — |
Total Consumer |  |  | 1 |  |  |  | 146 |  |  |  | — |  |  |  | — |
Total |  |  | 4 |  |  | $ | 698 |  |  |  | 4 |  |  | $ | 380 |
Commercial Loans Individually Evaluated for Impairment by Class of Loans | The following table presents commercial loans individually evaluated for impairment by class of loan:
|  |  | Three Months Ending |
March 31, 2014 |  | 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 |  | $ | 1,145 |  |  | $ | 1,148 |  |  | $ | — |  |  | $ | 1,759 |  |  | $ | 12 |
Non owner occupied real estate |  |  | 3,443 |  |  |  | 3,446 |  |  |  | — |  |  |  | 3,514 |  |  |  | 5 |
Residential development |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Development & Spec Land Loans |  |  | 24 |  |  |  | 24 |  |  |  | — |  |  |  | 24 |  |  |  | — |
Commercial and industrial |  |  | 333 |  |  |  | 349 |  |  |  | — |  |  |  | 608 |  |  |  | — |
Total commercial |  |  | 4,945 |  |  |  | 4,967 |  |  |  | — |  |  |  | 5,905 |  |  |  | 17 |
With an allowance recorded |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Owner occupied real estate |  |  | — |  |  |  | — |  |  |  | — |  |  |  | (1 | ) |  |  | — |
Non owner occupied real estate |  |  | 347 |  |  |  | 347 |  |  |  | 170 |  |  |  | 353 |  |  |  | — |
Residential development |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Development & Spec Land Loans |  |  | 138 |  |  |  | 138 |  |  |  | 40 |  |  |  | 142 |  |  |  | — |
Commercial and industrial |  |  | 1,883 |  |  |  | 1,883 |  |  |  | 1,080 |  |  |  | 1,727 |  |  |  | 2 |
Total commercial |  |  | 2,368 |  |  |  | 2,368 |  |  |  | 1,290 |  |  |  | 2,221 |  |  |  | 2 |
Total |  | $ | 7,313 |  |  | $ | 7,335 |  |  | $ | 1,290 |  |  | $ | 8,126 |  |  | $ | 19 |
|  |  | Three Months Ending |
March 31, 2013 |  | 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 |  | $ | 3,310 |  |  | $ | 3,317 |  |  | $ | — |  |  | $ | 4,906 |  |  | $ | 14 |
Non owner occupied real estate |  |  | 2,578 |  |  |  | 2,579 |  |  |  | — |  |  |  | 3,793 |  |  |  | 11 |
Residential development |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Development & Spec Land Loans |  |  | 135 |  |  |  | 135 |  |  |  | — |  |  |  | 166 |  |  |  | — |
Commercial and industrial |  |  | 912 |  |  |  | 928 |  |  |  | — |  |  |  | 1,877 |  |  |  | — |
Total commercial |  |  | 6,935 |  |  |  | 6,959 |  |  |  | — |  |  |  | 10,742 |  |  |  | 25 |
With an allowance recorded |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Owner occupied real estate |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Non owner occupied real estate |  |  | 1,763 |  |  |  | 1,763 |  |  |  | 1,080 |  |  |  | 1,774 |  |  |  | — |
Residential development |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Development & Spec Land Loans |  |  | 564 |  |  |  | 564 |  |  |  | 600 |  |  |  | 569 |  |  |  | — |
Commercial and industrial |  |  | 792 |  |  |  | 792 |  |  |  | 265 |  |  |  | 794 |  |  |  | — |
Total commercial |  |  | 3,119 |  |  |  | 3,119 |  |  |  | 1,945 |  |  |  | 3,137 |  |  |  | — |
Total |  | $ | 10,054 |  |  | $ | 10,078 |  |  | $ | 1,945 |  |  | $ | 13,879 |  |  | $ | 25 |
Payment Status by Class of Loan | The following table presents the payment status by class of loan:
March 31, 2014 |  | 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 |  | $ | 218 |  |  | $ | 127 |  |  | $ | — |  |  | $ | 345 |  |  | $ | 173,169 |  |  | $ | 173,514 |
Non owner occupied real estate |  |  | 122 |  |  |  | — |  |  |  | — |  |  |  | 122 |  |  |  | 230,103 |  |  |  | 230,225 |
Residential development |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 833 |  |  |  | 833 |
Development & Spec Land Loans |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 21,347 |  |  |  | 21,347 |
Commercial and industrial |  |  | 110 |  |  |  | — |  |  |  | — |  |  |  | 110 |  |  |  | 102,002 |  |  |  | 102,112 |
Total commercial |  |  | 450 |  |  |  | 127 |  |  |  | — |  |  |  | 577 |  |  |  | 527,454 |  |  |  | 528,031 |
Real estate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Residential mortgage |  |  | 313 |  |  |  | — |  |  |  | 3 |  |  |  | 316 |  |  |  | 180,533 |  |  |  | 180,849 |
Residential construction |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 8,692 |  |  |  | 8,692 |
Mortgage warehouse |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 102,146 |  |  |  | 102,146 |
Total real estate |  |  | 313 |  |  |  | — |  |  |  | 3 |  |  |  | 316 |  |  |  | 291,371 |  |  |  | 291,687 |
Consumer |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Direct Installment |  |  | 67 |  |  |  | 10 |  |  |  | 20 |  |  |  | 97 |  |  |  | 30,459 |  |  |  | 30,556 |
Direct Installment Purchased |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 270 |  |  |  | 270 |
Indirect Installment |  |  | 771 |  |  |  | 41 |  |  |  | 103 |  |  |  | 915 |  |  |  | 130,479 |  |  |  | 131,394 |
Home Equity |  |  | 555 |  |  |  | 278 |  |  |  | 77 |  |  |  | 910 |  |  |  | 117,222 |  |  |  | 118,132 |
Total consumer |  |  | 1,393 |  |  |  | 329 |  |  |  | 200 |  |  |  | 1,922 |  |  |  | 278,430 |  |  |  | 280,352 |
Total |  | $ | 2,156 |  |  | $ | 456 |  |  | $ | 203 |  |  | $ | 2,815 |  |  | $ | 1,097,255 |  |  | $ | 1,100,070 |
Percentage of total loans |  |  | 0.20 | % |  |  | 0.04 | % |  |  | 0.02 | % |  |  | 0.26 | % |  |  | 99.74 | % |  |  |  |
December 31, 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 |  | $ | 341 |  |  | $ | — |  |  | $ | — |  |  | $ | 341 |  |  | $ | 155,921 |  |  | $ | 156,262 |
Non owner occupied real estate |  |  | 424 |  |  |  | — |  |  |  | 45 |  |  |  | 469 |  |  |  | 224,244 |  |  |  | 224,713 |
Residential development |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 400 |  |  |  | 400 |
Development & Spec Land Loans |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 21,289 |  |  |  | 21,289 |
Commercial and industrial |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 101,920 |  |  |  | 101,920 |
Total commercial |  |  | 765 |  |  |  | — |  |  |  | 45 |  |  |  | 810 |  |  |  | 503,774 |  |  |  | 504,584 |
Real estate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Residential mortgage |  |  | 445 |  |  |  | 87 |  |  |  | 2 |  |  |  | 534 |  |  |  | 175,534 |  |  |  | 176,068 |
Residential construction |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 9,508 |  |  |  | 9,508 |
Mortgage warehouse |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 98,156 |  |  |  | 98,156 |
Total real estate |  |  | 445 |  |  |  | 87 |  |  |  | 2 |  |  |  | 534 |  |  |  | 283,198 |  |  |  | 283,732 |
Consumer |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Direct Installment |  |  | 120 |  |  |  | 24 |  |  |  | — |  |  |  | 144 |  |  |  | 29,839 |  |  |  | 29,983 |
Direct Installment Purchased |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 294 |  |  |  | 294 |
Indirect Installment |  |  | 1,011 |  |  |  | 175 |  |  |  | 2 |  |  |  | 1,188 |  |  |  | 130,196 |  |  |  | 131,384 |
Home Equity |  |  | 767 |  |  |  | 58 |  |  |  | — |  |  |  | 825 |  |  |  | 117,133 |  |  |  | 117,958 |
Total consumer |  |  | 1,898 |  |  |  | 257 |  |  |  | 2 |  |  |  | 2,157 |  |  |  | 277,462 |  |  |  | 279,619 |
Total |  | $ | 3,108 |  |  | $ | 344 |  |  | $ | 49 |  |  | $ | 3,501 |  |  | $ | 1,064,434 |  |  | $ | 1,067,935 |
Percentage of total loans |  |  | 0.29 | % |  |  | 0.03 | % |  |  | 0.00 | % |  |  | 0.33 | % |  |  | 99.67 | % |  |  |
Loans by Credit Grades | The following table presents loans by credit grades.
March 31, 2014 |  | Pass |  |  | Special Mention |  |  | Substandard |  |  | Doubtful |  |  | Total |
Commercial |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Owner occupied real estate |  | $ | 163,274 |  |  | $ | 2,667 |  |  | $ | 7,573 |  |  | $ | — |  |  | $ | 173,514 |
Non owner occupied real estate |  |  | 213,918 |  |  |  | 6,211 |  |  |  | 10,096 |  |  |  | — |  |  |  | 230,225 |
Residential development |  |  | 738 |  |  |  | 95 |  |  |  | — |  |  |  | — |  |  |  | 833 |
Development & Spec Land Loans |  |  | 19,984 |  |  |  | 88 |  |  |  | 1,275 |  |  |  | — |  |  |  | 21,347 |
Commercial and industrial |  |  | 92,357 |  |  |  | 6,045 |  |  |  | 3,710 |  |  |  | — |  |  |  | 102,112 |
Total commercial |  |  | 490,271 |  |  |  | 15,106 |  |  |  | 22,654 |  |  |  | — |  |  |  | 528,031 |
Real estate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Residential mortgage |  |  | 174,769 |  |  |  | — |  |  |  | 6,080 |  |  |  | — |  |  |  | 180,849 |
Residential construction |  |  | 8,414 |  |  |  | — |  |  |  | 278 |  |  |  | — |  |  |  | 8,692 |
Mortgage warehouse |  |  | 102,146 |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 102,146 |
Total real estate |  |  | 285,329 |  |  |  | — |  |  |  | 6,358 |  |  |  | — |  |  |  | 291,687 |
Consumer |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Direct Installment |  |  | 30,247 |  |  |  | — |  |  |  | 309 |  |  |  | — |  |  |  | 30,556 |
Direct Installment Purchased |  |  | 270 |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 270 |
Indirect Installment |  |  | 130,755 |  |  |  | — |  |  |  | 639 |  |  |  | — |  |  |  | 131,394 |
Home Equity |  |  | 115,114 |  |  |  | — |  |  |  | 3,018 |  |  |  | — |  |  |  | 118,132 |
Total Consumer |  |  | 276,386 |  |  |  | — |  |  |  | 3,966 |  |  |  | — |  |  |  | 280,352 |
Total |  | $ | 1,051,985 |  |  | $ | 15,106 |  |  | $ | 32,978 |  |  | $ | — |  |  | $ | 1,100,070 |
Percentage of total loans |  |  | 95.63 | % |  |  | 1.37 | % |  |  | 3.00 | % |  |  | 0.00 | % |  |  |  |
December 31, 2013 |  | Pass |  |  | Special Mention |  |  | Substandard |  |  | Doubtful |  |  | Total |
Commercial |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Owner occupied real estate |  | $ | 146,085 |  |  | $ | 2,231 |  |  | $ | 7,946 |  |  | $ | — |  |  | $ | 156,262 |
Non owner occupied real estate |  |  | 208,625 |  |  |  | 5,047 |  |  |  | 11,041 |  |  |  | — |  |  |  | 224,713 |
Residential development |  |  | 400 |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 400 |
Development & Spec Land Loans |  |  | 19,858 |  |  |  | 91 |  |  |  | 1,340 |  |  |  | — |  |  |  | 21,289 |
Commercial and industrial |  |  | 91,852 |  |  |  | 6,492 |  |  |  | 3,576 |  |  |  | — |  |  |  | 101,920 |
Total commercial |  |  | 466,820 |  |  |  | 13,861 |  |  |  | 23,903 |  |  |  | — |  |  |  | 504,584 |
Real estate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Residential mortgage |  |  | 170,202 |  |  |  | — |  |  |  | 5,866 |  |  |  | — |  |  |  | 176,068 |
Residential construction |  |  | 9,228 |  |  |  | — |  |  |  | 280 |  |  |  | — |  |  |  | 9,508 |
Mortgage warehouse |  |  | 98,156 |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 98,156 |
Total real estate |  |  | 277,586 |  |  |  | — |  |  |  | 6,146 |  |  |  | — |  |  |  | 283,732 |
Consumer |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Direct Installment |  |  | 29,781 |  |  |  | — |  |  |  | 202 |  |  |  | — |  |  |  | 29,983 |
Direct Installment Purchased |  |  | 294 |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 294 |
Indirect Installment |  |  | 130,851 |  |  |  | — |  |  |  | 533 |  |  |  | — |  |  |  | 131,384 |
Home Equity |  |  | 114,033 |  |  |  | — |  |  |  | 3,925 |  |  |  | — |  |  |  | 117,958 |
Total Consumer |  |  | 274,959 |  |  |  | — |  |  |  | 4,660 |  |  |  | — |  |  |  | 279,619 |
Total |  | $ | 1,019,365 |  |  | $ | 13,861 |  |  | $ | 34,709 |  |  | $ | — |  |  | $ | 1,067,935 |
Percentage of total loans |  |  | 95.45 | % |  |  | 1.30 | % |  |  | 3.25 | % |  |  | 0.00 | % |  |

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