The following table shows the recorded investment of individual loan categories.


	Loan					Deferred			Recorded
September 30, 2014	Balance			Interest Due		Fees / (Costs)			Investment
Owner occupied real estate	$	233,069		$	390	$	678		$	234,137
Non owner occupied real estate		298,408			352		545			299,305
Residential spec homes		1,289			2		-			1,291
Development & spec land loans		12,574			20		37			12,631
Commercial and industrial		130,682			842		67			131,591

Total commercial		676,022			1,606		1,327			678,955

Residential mortgage		239,989			1,048		628			241,665
Residential construction		11,122			20		-			11,142
Mortgage warehouse		105,133			480		-			105,613

Total real estate		356,244			1,548		628			358,420

Direct installment		36,720			111		(380	)		36,451
Direct installment purchased		236			-		-			236
Indirect installment		139,138			298		-			139,436
Home equity		133,190			565		(104	)		133,651

Total consumer		309,284			974		(484	)		309,774

Total loans		1,341,550			4,128		1,471			1,347,149
Allowance for loan losses		(16,160	)		-		-			(16,160	)

Net loans	$	1,325,390		$	4,128	$	1,471		$	1,330,989


	Loan					Deferred			Recorded
December 31, 2013	Balance			Interest Due		Fees / (Costs)			Investment
Owner occupied real estate	$	156,262		$	257	$	207		$	156,726
Non owner occupied real estate		224,713			105		299			225,117
Residential spec homes		400			—		—			400
Development & spec land loans		21,289			62		42			21,393
Commercial and industrial		101,920			737		57			102,714

Total commercial		504,584			1,161		605			506,350

Residential mortgage		176,068			578		382			177,028
Residential construction		9,508			14		—			9,522
Mortgage warehouse		98,156			480		—			98,636

Total real estate		283,732			1,072		382			285,186

Direct installment		29,983			104		(281	)		29,806
Direct installment purchased		294			—		—			294
Indirect installment		131,384			320		—			131,704
Home equity		117,958			529		187			118,674

Total consumer		279,619			953		(94	)		280,478

Total loans		1,067,935			3,186		893			1,072,014
Allowance for loan losses		(15,992	)		—		—			(15,992	)

Net loans	$	1,051,943		$	3,186	$	893		$	1,056,022