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Non-performing Assets and Impaired Loans (Tables) | 12 Months Ended
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Dec. 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:
|  | Non-accrual |  |  | Loans Past Due Over 90 Days Still Accruing |  |  | Non- Performing TDRs |  |  | Performing TDRs |  |  | Total Non- Performing Loans |
December 31, 2014 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Owner occupied real estate |  | $ | 1,773 |  |  | $ | — |  |  | $ | — |  |  | $ | 44 |  |  | $ | 1,817 |
Non owner occupied real estate |  |  | 7,439 |  |  |  | — |  |  |  | 217 |  |  |  | 566 |  |  |  | 8,222 |
Residential development |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Development & Spec Land Loans |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Commercial and industrial |  |  | 812 |  |  |  | — |  |  |  | 1,004 |  |  |  | — |  |  |  | 1,816 |
Total commercial |  |  | 10,024 |  |  |  | — |  |  |  | 1,221 |  |  |  | 610 |  |  |  | 11,855 |
Real estate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Residential mortgage |  |  | 2,297 |  |  |  | 40 |  |  |  | 765 |  |  |  | 2,526 |  |  |  | 5,628 |
Residential construction |  |  | — |  |  |  | — |  |  |  | 266 |  |  |  | — |  |  |  | 266 |
Mortgage warehouse |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Total real estate |  |  | 2,297 |  |  |  | 40 |  |  |  | 1,031 |  |  |  | 2,526 |  |  |  | 5,894 |
Consumer |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Direct Installment |  |  | 227 |  |  |  | 10 |  |  |  | — |  |  |  | — |  |  |  | 237 |
Direct Installment Purchased |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Indirect Installment |  |  | 557 |  |  |  | 47 |  |  |  | — |  |  |  | — |  |  |  | 604 |
Home Equity |  |  | 2,207 |  |  |  | 18 |  |  |  | 391 |  |  |  | 1,236 |  |  |  | 3,852 |
Total Consumer |  |  | 2,991 |  |  |  | 75 |  |  |  | 391 |  |  |  | 1,236 |  |  |  | 4,693 |
Total |  | $ | 15,312 |  |  | $ | 115 |  |  | $ | 2,643 |  |  | $ | 4,372 |  |  | $ | 22,442 |
|  | Non-accrual |  |  | Loans Past Due Over 90 Days Still Accruing |  |  | Non- Performing TDRs |  |  | Performing TDRs |  |  | Total Non- Performing Loans |
December 31, 2013 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
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 years ended December 31, 2014 and 2013, segregated by class, are shown in the table below.
|  | December 31, 2014 |  |  | December 31, 2013 |
|  | Number of Defaults |  |  | Unpaid Principal Balance |  |  | Number of Defaults |  |  | Unpaid Principal Balance |
Commercial |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Owner occupied real estate |  |  | — |  |  | $ | — |  |  |  | 3 |  |  | $ | 223 |
Non owner occupied real estate |  |  | — |  |  |  | — |  |  |  | 3 |  |  |  | 942 |
Residential development |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Development & Spec Land Loans |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Commercial and industrial |  |  | 1 |  |  |  | 247 |  |  |  | — |  |  |  | — |
Total commercial |  |  | 1 |  |  |  | 247 |  |  |  | 6 |  |  |  | 1,165 |
Real estate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Residential mortgage |  |  | 2 |  |  |  | 319 |  |  |  | 9 |  |  |  | 1,252 |
Residential construction |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Mortgage warehouse |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Total real estate |  |  | 2 |  |  |  | 319 |  |  |  | 9 |  |  |  | 1,252 |
Consumer |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Direct Installment |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Direct Installment Purchased |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Indirect Installment |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Home Equity |  |  | 4 |  |  |  | 404 |  |  |  | 7 |  |  |  | 915 |
Total Consumer |  |  | 4 |  |  |  | 404 |  |  |  | 7 |  |  |  | 915 |
|  |  | — |  |  |  | — |  |  |  |  |  |  |  |  |
Total |  |  | 7 |  |  | $ | 969 |  |  |  | 22 |  |  | $ | 3,332 |
Troubled debt restructured loans which had payment defaults during the years ended December 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 transferred to nonaccrual.
|  | December 31, 2014 |  |  | December 31, 2013 |
|  | Number of Defaults |  |  | Unpaid Principal Balance |  |  | Number of Defaults |  |  | Unpaid Principal Balance |
Commercial |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Owner occupied real estate |  |  | — |  |  | $ | — |  |  |  | 3 |  |  | $ | 223 |
Non owner occupied real estate |  |  | — |  |  |  | — |  |  |  | 2 |  |  |  | 424 |
Residential development |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Development & Spec Land Loans |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Commercial and industrial |  |  | 1 |  |  |  | 247 |  |  |  | — |  |  |  | — |
Total commercial |  |  | 1 |  |  |  | 247 |  |  |  | 5 |  |  |  | 647 |
Real estate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Residential mortgage |  |  | 2 |  |  |  | 243 |  |  |  | 3 |  |  |  | 355 |
Residential construction |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Mortgage warehouse |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Total real estate |  |  | 2 |  |  |  | 243 |  |  |  | 3 |  |  |  | 355 |
Consumer |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Direct Installment |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Direct Installment Purchased |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Indirect Installment |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Home Equity |  |  | 3 |  |  |  | 355 |  |  |  | 3 |  |  |  | 178 |
Total Consumer |  |  | 3 |  |  |  | 355 |  |  |  | 3 |  |  |  | 178 |
|  |  | — |  |  |  | — |  |  |  |  |  |  |  |  |
Total |  |  | 6 |  |  | $ | 845 |  |  |  | 11 |  |  | $ | 1,180 |
Commercial Loans Individually Evaluated for Impairment by Class of Loans | The following table presents commercial loans individually evaluated for impairment by class of loans:
|  |  |  |  |  |  |  |  |  |  | Twelve Months Ending |
|  | Unpaid Principal Balance |  |  | Recorded Investment |  |  | Allowance For Loan Loss Allocated |  |  | Average Balance in Impaired Loans |  |  | Cash/Accrual Interest Income Recognized |
December 31, 2014 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
With no recorded allowance |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Owner occupied real estate |  | $ | 1,169 |  |  | $ | 1,170 |  |  | $ | — |  |  | $ | 645 |  |  | $ | 65 |
Non owner occupied real estate |  |  | 1,193 |  |  |  | 1,194 |  |  |  | — |  |  |  | 1,341 |  |  |  | 51 |
Residential development |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Development & Spec Land Loans |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Commercial and industrial |  |  | 854 |  |  |  | 854 |  |  |  | — |  |  |  | 357 |  |  |  | 27 |
Total commercial |  |  | 3,216 |  |  |  | 3,218 |  |  |  | — |  |  |  | 2,343 |  |  |  | 143 |
With an allowance recorded |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Owner occupied real estate |  |  | 422 |  |  |  | 422 |  |  |  | 165 |  |  |  | 141 |  |  |  | 16 |
Non owner occupied real estate |  |  | 6,453 |  |  |  | 6,453 |  |  |  | 744 |  |  |  | 1,995 |  |  |  | 208 |
Residential development |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Development & Spec Land Loans |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Commercial and industrial |  |  | 962 |  |  |  | 962 |  |  |  | 680 |  |  |  | 798 |  |  |  | 12 |
Total commercial |  |  | 7,837 |  |  |  | 7,837 |  |  |  | 1,589 |  |  |  | 2,934 |  |  |  | 236 |
Total |  | $ | 11,053 |  |  | $ | 11,055 |  |  | $ | 1,589 |  |  | $ | 5,277 |  |  | $ | 379 |
|  |  |  |  |  |  |  |  |  |  | Twelve Months Ending |
|  | Unpaid Principal Balance |  |  | Recorded Investment |  |  | Allowance For Loan Loss Allocated |  |  | Average Balance in Impaired Loans |  |  | Cash/Accrual Interest Income Recognized |
December 31, 2013 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
With no recorded allowance |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Owner occupied real estate |  | $ | 1,293 |  |  | $ | 1,296 |  |  | $ | — |  |  | $ | 1,845 |  |  | $ | 68 |
Non owner occupied real estate |  |  | 3,521 |  |  |  | 3,525 |  |  |  | — |  |  |  | 2,963 |  |  |  | 172 |
Residential development |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Development & Spec Land Loans |  |  | 23 |  |  |  | 23 |  |  |  | — |  |  |  | 25 |  |  |  | — |
Commercial and industrial |  |  | 390 |  |  |  | 405 |  |  |  | — |  |  |  | 712 |  |  |  | — |
Total commercial |  |  | 5,227 |  |  |  | 5,249 |  |  |  | — |  |  |  | 5,545 |  |  |  | 240 |
With an allowance recorded |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Owner occupied real estate |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Non owner occupied real estate |  |  | 403 |  |  |  | 403 |  |  |  | 202 |  |  |  | 485 |  |  |  | — |
Residential development |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Development & Spec Land Loans |  |  | 159 |  |  |  | 159 |  |  |  | 48 |  |  |  | 166 |  |  |  | — |
Commercial and industrial |  |  | 1,637 |  |  |  | 1,637 |  |  |  | 1,062 |  |  |  | 1,140 |  |  |  | 31 |
Total commercial |  |  | 2,199 |  |  |  | 2,199 |  |  |  | 1,312 |  |  |  | 1,791 |  |  |  | 31 |
Total |  | $ | 7,426 |  |  | $ | 7,448 |  |  | $ | 1,312 |  |  | $ | 7,336 |  |  | $ | 271 |
|  |  |  |  |  |  |  |  |  |  | Twelve Months Ending |
|  | Unpaid Principal Balance |  |  | Recorded Investment |  |  | Allowance For Loan Loss Allocated |  |  | Average Balance in Impaired Loans |  |  | Cash/Accrual Interest Income Recognized |
December 31, 2012 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
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 |
Payment Status by Class of Loan | The following table presents the payment status by class of loans:
|  | 30 - 59 Days Past Due |  |  | 60 - 89 Days Past Due |  |  | Greater than 90 Days Past Due |  |  | Total Past Due |  |  | Loans Not Past Due |  |  | Total |
December 31, 2014 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Owner occupied real estate |  | $ | 103 |  |  | $ | 645 |  |  | $ | — |  |  | $ | 748 |  |  | $ | 227,632 |  |  | $ | 228,380 |
Non owner occupied real estate |  |  | 413 |  |  |  | — |  |  |  | — |  |  |  | 413 |  |  |  | 296,886 |  |  |  | 297,299 |
Residential development |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 2,027 |  |  |  | 2,027 |
Development & Spec Land Loans |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 12,097 |  |  |  | 12,097 |
Commercial and industrial |  |  | 19 |  |  |  | 1 |  |  |  | — |  |  |  | 20 |  |  |  | 133,236 |  |  |  | 133,256 |
Total commercial |  |  | 535 |  |  |  | 646 |  |  |  | — |  |  |  | 1,181 |  |  |  | 671,878 |  |  |  | 673,059 |
Real estate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Residential mortgage |  |  | 1,033 |  |  |  | 193 |  |  |  | 40 |  |  |  | 1,266 |  |  |  | 241,255 |  |  |  | 242,521 |
Residential construction |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 11,505 |  |  |  | 11,505 |
Mortgage warehouse |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 129,156 |  |  |  | 129,156 |
Total real estate |  |  | 1,033 |  |  |  | 193 |  |  |  | 40 |  |  |  | 1,266 |  |  |  | 381,916 |  |  |  | 383,182 |
Consumer |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Direct Installment |  |  | 113 |  |  |  | 4 |  |  |  | 10 |  |  |  | 127 |  |  |  | 40,010 |  |  |  | 40,137 |
Direct Installment Purchased |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 219 |  |  |  | 219 |
Indirect Installment |  |  | 1,042 |  |  |  | 243 |  |  |  | 47 |  |  |  | 1,332 |  |  |  | 140,536 |  |  |  | 141,868 |
Home Equity |  |  | 1,084 |  |  |  | 189 |  |  |  | 18 |  |  |  | 1,291 |  |  |  | 137,716 |  |  |  | 139,007 |
Total consumer |  |  | 2,239 |  |  |  | 436 |  |  |  | 75 |  |  |  | 2,750 |  |  |  | 318,481 |  |  |  | 321,231 |
Total |  | $ | 3,807 |  |  | $ | 1,275 |  |  | $ | 115 |  |  | $ | 5,197 |  |  | $ | 1,372,275 |  |  | $ | 1,377,472 |
Percentage of total loans |  |  | 0.28 | % |  |  | 0.09 | % |  |  | 0.01 | % |  |  | 0.38 | % |  |  | 99.62 | % |  |  |  |
|  | 30 - 59 Days Past Due |  |  | 60 - 89 Days Past Due |  |  | Greater than 90 Days Past Due |  |  | Total Past Due |  |  | Loans Not Past Due |  |  | Total |
December 31, 2013 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
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.
|  | Pass |  |  | Special Mention |  |  | Substandard |  |  | Doubtful |  |  | Total |
December 31, 2014 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Owner occupied real estate |  | $ | 215,875 |  |  | $ | 7,623 |  |  | $ | 4,883 |  |  | $ | — |  |  | $ | 228,381 |
Non owner occupied real estate |  |  | 283,518 |  |  |  | 4,458 |  |  |  | 9,323 |  |  |  | — |  |  |  | 297,299 |
Residential development |  |  | 2,027 |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 2,027 |
Development & Spec Land Loans |  |  | 12,018 |  |  |  | 79 |  |  |  | — |  |  |  | — |  |  |  | 12,097 |
Commercial and industrial |  |  | 128,589 |  |  |  | 1,799 |  |  |  | 2,868 |  |  |  | — |  |  |  | 133,256 |
Total commercial |  |  | 642,027 |  |  |  | 13,959 |  |  |  | 17,074 |  |  |  | — |  |  |  | 673,060 |
Real estate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Residential mortgage |  |  | 236,893 |  |  |  | — |  |  |  | 5,628 |  |  |  | — |  |  |  | 242,521 |
Residential construction |  |  | 11,239 |  |  |  | — |  |  |  | 266 |  |  |  | — |  |  |  | 11,505 |
Mortgage warehouse |  |  | 129,156 |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 129,156 |
Total real estate |  |  | 377,288 |  |  |  | — |  |  |  | 5,894 |  |  |  | — |  |  |  | 383,182 |
Consumer |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Direct Installment |  |  | 39,900 |  |  |  | — |  |  |  | 237 |  |  |  | — |  |  |  | 40,137 |
Direct Installment Purchased |  |  | 219 |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 219 |
Indirect Installment |  |  | 141,264 |  |  |  | — |  |  |  | 604 |  |  |  | — |  |  |  | 141,868 |
Home Equity |  |  | 135,155 |  |  |  | — |  |  |  | 3,852 |  |  |  | — |  |  |  | 139,007 |
Total Consumer |  |  | 316,538 |  |  |  | — |  |  |  | 4,693 |  |  |  | — |  |  |  | 321,231 |
Total |  | $ | 1,335,854 |  |  | $ | 13,959 |  |  | $ | 27,661 |  |  | $ | — |  |  | $ | 1,377,473 |
Percentage of total loans |  |  | 96.98 | % |  |  | 1.01 | % |  |  | 2.01 | % |  |  | 0.00 | % |  |  |  |
|  | Pass |  |  | Special Mention |  |  | Substandard |  |  | Doubtful |  |  | Total |
December 31, 2013 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
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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