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Non-performing Assets and Impaired Loans (Tables) | 12 Months Ended
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Dec. 31, 2017
Text Block [Abstract] |
Non-accrual, 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:
|  |  |  |  | Loans Past |  |  |  |  |  |  |  |  |  |
|  |  |  |  | Due Over 90 |  |  | Non- |  |  |  |  |  | Total Non- |
|  |  |  |  | Days Still |  |  | Performing |  |  | Performing |  |  | Performing |
December 31, 2017 |  | Non-accrual |  |  | Accruing |  |  | TDRs |  |  | TDRs |  |  | Loans |
Commercial |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Owner occupied real estate |  | $ | 4,742 |  |  | $ | — |  |  | $ | 11 |  |  | $ | 1 |  |  | $ | 4,754 |
Non owner occupied real estate |  |  | 115 |  |  |  | — |  |  |  | 440 |  |  |  | — |  |  |  | 555 |
Residential development |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Development & Spec Land Loans |  |  | 176 |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 176 |
Commercial and industrial |  |  | 1,656 |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 1,656 |
Total commercial |  |  | 6,689 |  |  |  | — |  |  |  | 451 |  |  |  | 1 |  |  |  | 7,141 |
Real estate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Residential mortgage |  |  | 3,693 |  |  |  | — |  |  |  | 351 |  |  |  | 1,450 |  |  |  | 5,494 |
Residential construction |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 222 |  |  |  | 222 |
Mortgage warehouse |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Total real estate |  |  | 3,693 |  |  |  | — |  |  |  | 351 |  |  |  | 1,672 |  |  |  | 5,716 |
Consumer |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Direct Installment |  |  | 373 |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 373 |
Direct Installment Purchased |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Indirect Installment |  |  | 1,041 |  |  |  | 167 |  |  |  | — |  |  |  | — |  |  |  | 1,208 |
Home Equity |  |  | 1,480 |  |  |  | — |  |  |  | 211 |  |  |  | 285 |  |  |  | 1,976 |
Total Consumer |  |  | 2,894 |  |  |  | 167 |  |  |  | 211 |  |  |  | 285 |  |  |  | 3,557 |
Total |  | $ | 13,276 |  |  | $ | 167 |  |  | $ | 1,013 |  |  | $ | 1,958 |  |  | $ | 16,414 |
|  |  |  |  | Loans Past |  |  |  |  |  |  |  |  |  |
|  |  |  |  | Due Over 90 |  |  | Non- |  |  |  |  |  | Total Non- |
|  |  |  |  | Days Still |  |  | Performing |  |  | Performing |  |  | Performing |
December 31, 2016 |  | Non-accrual |  |  | Accruing |  |  | TDRs |  |  | TDRs |  |  | Loans |
Commercial |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Owner occupied real estate |  | $ | 1,532 |  |  | $ | 183 |  |  | $ | — |  |  | $ | — |  |  | $ | 1,715 |
Non owner occupied real estate |  |  | 440 |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 440 |
Residential development |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Development & Spec Land Loans |  |  | 118 |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 118 |
Commercial and industrial |  |  | 159 |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 159 |
Total commercial |  |  | 2,249 |  |  |  | 183 |  |  |  | — |  |  |  | — |  |  |  | 2,432 |
Real estate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Residential mortgage |  |  | 2,959 |  |  |  | — |  |  |  | 576 |  |  |  | 1,254 |  |  |  | 4,789 |
Residential construction |  |  | — |  |  |  | — |  |  |  | 233 |  |  |  | — |  |  |  | 233 |
Mortgage warehouse |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Total real estate |  |  | 2,959 |  |  |  | — |  |  |  | 809 |  |  |  | 1,254 |  |  |  | 5,022 |
Consumer |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Direct Installment |  |  | 512 |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 512 |
Direct Installment Purchased |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Indirect Installment |  |  | 659 |  |  |  | 49 |  |  |  | — |  |  |  | — |  |  |  | 708 |
Home Equity |  |  | 1,557 |  |  |  | 9 |  |  |  | 205 |  |  |  | 238 |  |  |  | 2,009 |
Total Consumer |  |  | 2,728 |  |  |  | 58 |  |  |  | 205 |  |  |  | 238 |  |  |  | 3,229 |
Total |  | $ | 7,936 |  |  | $ | 241 |  |  | $ | 1,014 |  |  | $ | 1,492 |  |  | $ | 10,683 |
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 |
|  |  |  |  |  |  |  |  |  |  | Average |  |  | Cash/Accrual |
|  | Unpaid |  |  |  |  |  | Allowance For |  |  | Balance in |  |  | Interest |
|  | Principal |  |  | Recorded |  |  | Loan Loss |  |  | Impaired |  |  | Income |
December 31, 2017 |  | Balance |  |  | Investment |  |  | Allocated |  |  | Loans |  |  | Recognized |
With no recorded allowance |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Owner occupied real estate |  | $ | 3,824 |  |  | $ | 3,849 |  |  | $ | — |  |  | $ | 1,673 |  |  | $ | 11 |
Non owner occupied real estate |  |  | 554 |  |  |  | 570 |  |  |  | — |  |  |  | 345 |  |  |  | — |
Residential development |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Development & Spec Land Loans |  |  | 176 |  |  |  | 174 |  |  |  | — |  |  |  | 233 |  |  |  | 4 |
Commercial and industrial |  |  | 1,656 |  |  |  | 1,663 |  |  |  | — |  |  |  | 1,445 |  |  |  | 25 |
Total commercial |  |  | 6,210 |  |  |  | 6,256 |  |  |  | — |  |  |  | 3,696 |  |  |  | 40 |
With an allowance recorded |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Owner occupied real estate |  |  | 931 |  |  |  | 931 |  |  |  | 184 |  |  |  | 78 |  |  |  | 46 |
Non owner occupied real estate |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Residential development |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Development & Spec Land Loans |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Commercial and industrial |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Total commercial |  |  | 931 |  |  |  | 931 |  |  |  | 184 |  |  |  | 78 |  |  |  | 46 |
Total |  | $ | 7,141 |  |  | $ | 7,187 |  |  | $ | 184 |  |  | $ | 3,774 |  |  | $ | 86 |
|  |  |  |  |  |  |  |  |  |  | Twelve Months Ending |
|  |  |  |  |  |  |  |  |  |  | Average |  |  | Cash/Accrual |
|  | Unpaid |  |  |  |  |  | Allowance For |  |  | Balance in |  |  | Interest |
|  | Principal |  |  | Recorded |  |  | Loan Loss |  |  | Impaired |  |  | Income |
December 31, 2016 |  | Balance |  |  | Investment |  |  | Allocated |  |  | Loans |  |  | Recognized |
With no recorded allowance |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Owner occupied real estate |  | $ | 1,533 |  |  | $ | 1,533 |  |  | $ | — |  |  | $ | 1,619 |  |  | $ | 58 |
Non owner occupied real estate |  |  | 440 |  |  |  | 440 |  |  |  | — |  |  |  | 871 |  |  |  | 18 |
Residential development |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Development & Spec Land Loans |  |  | 118 |  |  |  | 118 |  |  |  | — |  |  |  | 61 |  |  |  | 16 |
Commercial and industrial |  |  | 128 |  |  |  | 127 |  |  |  | — |  |  |  | 349 |  |  |  | 1 |
Total commercial |  |  | 2,219 |  |  |  | 2,218 |  |  |  | — |  |  |  | 2,900 |  |  |  | 93 |
With an allowance recorded |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Owner occupied real estate |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Non owner occupied real estate |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Residential development |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Development & Spec Land Loans |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Commercial and industrial |  |  | 31 |  |  |  | 32 |  |  |  | 4 |  |  |  | 5 |  |  |  | 2 |
Total commercial |  |  | 31 |  |  |  | 32 |  |  |  | 4 |  |  |  | 5 |  |  |  | 2 |
Total |  | $ | 2,250 |  |  | $ | 2,250 |  |  | $ | 4 |  |  | $ | 2,905 |  |  | $ | 95 |
|  |  |  |  |  |  |  |  |  |  | Twelve Months Ending |
|  |  |  |  |  |  |  |  |  |  | Average |  |  | Cash/Accrual |
|  | Unpaid |  |  |  |  |  | Allowance For |  |  | Balance in |  |  | Interest |
|  | Principal |  |  | Recorded |  |  | Loan Loss |  |  | Impaired |  |  | Income |
December 31, 2015 |  | Balance |  |  | Investment |  |  | Allocated |  |  | Loans |  |  | Recognized |
With no recorded allowance |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Owner occupied real estate |  | $ | 1,340 |  |  | $ | 1,339 |  |  | $ | — |  |  | $ | 1,001 |  |  | $ | 22 |
Non owner occupied real estate |  |  | 4,938 |  |  |  | 4,953 |  |  |  | — |  |  |  | 5,417 |  |  |  | 8 |
Residential development |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Development & Spec Land Loans |  |  | 71 |  |  |  | 71 |  |  |  | — |  |  |  | 6 |  |  |  | 3 |
Commercial and industrial |  |  | 79 |  |  |  | 79 |  |  |  | — |  |  |  | 275 |  |  |  | 4 |
Total commercial |  |  | 6,428 |  |  |  | 6,442 |  |  |  | — |  |  |  | 6,699 |  |  |  | 37 |
With an allowance recorded |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Owner occupied real estate |  |  | 410 |  |  |  | 410 |  |  |  | 105 |  |  |  | 243 |  |  |  | 8 |
Non owner occupied real estate |  |  | 70 |  |  |  | 70 |  |  |  | 32 |  |  |  | 6 |  |  |  | 13 |
Residential development |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Development & Spec Land Loans |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Commercial and industrial |  |  | 97 |  |  |  | 97 |  |  |  | 65 |  |  |  | 162 |  |  |  | — |
Total commercial |  |  | 577 |  |  |  | 577 |  |  |  | 202 |  |  |  | 411 |  |  |  | 21 |
Total |  | $ | 7,005 |  |  | $ | 7,019 |  |  | $ | 202 |  |  | $ | 7,110 |  |  | $ | 58 |
Payment Status by Class of Loan | The following table presents the payment status by class of loans:
|  | 30 - 59 Days |  |  | 60 - 89 Days |  |  | 90 Days or |  |  |  |  |  | Loans Not Past |  |  |  |
December 31, 2017 |  | Past Due |  |  | Past Due |  |  | Greater Past Due |  |  | Total Past Due |  |  | Due |  |  | Total |
Commercial |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Owner occupied real estate |  | $ | 1,613 |  |  | $ | 1,950 |  |  | $ | — |  |  | $ | 3,563 |  |  | $ | 544,033 |  |  | $ | 547,596 |
Non owner occupied real estate |  |  | 512 |  |  |  | 122 |  |  |  | — |  |  |  | 634 |  |  |  | 663,647 |  |  |  | 664,281 |
Residential development |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 16,431 |  |  |  | 16,431 |
Development & Spec Land Loans |  |  | 31 |  |  |  | — |  |  |  | — |  |  |  | 31 |  |  |  | 48,643 |  |  |  | 48,674 |
Commercial and industrial |  |  | 520 |  |  |  | 1 |  |  |  | — |  |  |  | 521 |  |  |  | 334,706 |  |  |  | 335,227 |
Total commercial |  |  | 2,676 |  |  |  | 2,073 |  |  |  | — |  |  |  | 4,749 |  |  |  | 1,607,460 |  |  |  | 1,612,209 |
Real estate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Residential mortgage |  |  | 1,248 |  |  |  | 49 |  |  |  | — |  |  |  | 1,297 |  |  |  | 587,061 |  |  |  | 588,358 |
Residential construction |  |  | 63 |  |  |  | — |  |  |  | — |  |  |  | 63 |  |  |  | 15,964 |  |  |  | 16,027 |
Mortgage warehouse |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 94,508 |  |  |  | 94,508 |
Total real estate |  |  | 1,311 |  |  |  | 49 |  |  |  | — |  |  |  | 1,360 |  |  |  | 697,533 |  |  |  | 698,893 |
Consumer |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Direct Installment |  |  | 78 |  |  |  | 10 |  |  |  | — |  |  |  | 88 |  |  |  | 89,529 |  |  |  | 89,617 |
Direct Installment Purchased |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 82 |  |  |  | 82 |
Indirect Installment |  |  | 1,859 |  |  |  | 244 |  |  |  | 167 |  |  |  | 2,270 |  |  |  | 225,053 |  |  |  | 227,323 |
Home Equity |  |  | 502 |  |  |  | 527 |  |  |  | — |  |  |  | 1,029 |  |  |  | 196,549 |  |  |  | 197,578 |
Total consumer |  |  | 2,439 |  |  |  | 781 |  |  |  | 167 |  |  |  | 3,387 |  |  |  | 511,213 |  |  |  | 514,600 |
Total |  | $ | 6,426 |  |  | $ | 2,903 |  |  | $ | 167 |  |  | $ | 9,496 |  |  | $ | 2,816,206 |  |  | $ | 2,825,702 |
Percentage of total loans |  |  | 0.23 | % |  |  | 0.10 | % |  |  | 0.01 | % |  |  | 0.34 | % |  |  | 99.66 | % |  |  |  |
|  | 30 - 59 Days |  |  | 60 - 89 Days |  |  | 90 Days or |  |  |  |  |  | Loans Not Past |  |  |  |
December 31, 2016 |  | Past Due |  |  | Past Due |  |  | Greater Past Due |  |  | Total Past Due |  |  | Due |  |  | Total |
Commercial |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Owner occupied real estate |  | $ | 1,068 |  |  | $ | — |  |  | $ | 183 |  |  | $ | 1,251 |  |  | $ | 336,297 |  |  | $ | 337,548 |
Non owner occupied real estate |  |  | 357 |  |  |  | — |  |  |  | — |  |  |  | 357 |  |  |  | 461,540 |  |  |  | 461,897 |
Residential development |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 5,006 |  |  |  | 5,006 |
Development & Spec Land Loans |  |  | 1 |  |  |  | — |  |  |  | — |  |  |  | 1 |  |  |  | 31,227 |  |  |  | 31,228 |
Commercial and industrial |  |  | 982 |  |  |  | — |  |  |  | — |  |  |  | 982 |  |  |  | 229,538 |  |  |  | 230,520 |
Total commercial |  |  | 2,408 |  |  |  | — |  |  |  | 183 |  |  |  | 2,591 |  |  |  | 1,063,608 |  |  |  | 1,066,199 |
Real estate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Residential mortgage |  |  | 886 |  |  |  | 123 |  |  |  | — |  |  |  | 1,009 |  |  |  | 507,224 |  |  |  | 508,233 |
Residential construction |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 20,611 |  |  |  | 20,611 |
Mortgage warehouse |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 135,727 |  |  |  | 135,727 |
Total real estate |  |  | 886 |  |  |  | 123 |  |  |  | — |  |  |  | 1,009 |  |  |  | 663,562 |  |  |  | 664,571 |
Consumer |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Direct Installment |  |  | 139 |  |  |  | 4 |  |  |  | — |  |  |  | 143 |  |  |  | 71,007 |  |  |  | 71,150 |
Direct Installment Purchased |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 119 |  |  |  | 119 |
Indirect Installment |  |  | 1,339 |  |  |  | 237 |  |  |  | 49 |  |  |  | 1,625 |  |  |  | 151,579 |  |  |  | 153,204 |
Home Equity |  |  | 912 |  |  |  | 267 |  |  |  | 9 |  |  |  | 1,188 |  |  |  | 173,938 |  |  |  | 175,126 |
Total consumer |  |  | 2,390 |  |  |  | 508 |  |  |  | 58 |  |  |  | 2,956 |  |  |  | 396,643 |  |  |  | 399,599 |
Total |  | $ | 5,684 |  |  | $ | 631 |  |  | $ | 241 |  |  | $ | 6,556 |  |  | $ | 2,123,813 |  |  | $ | 2,130,369 |
Percentage of total loans |  |  | 0.27 | % |  |  | 0.03 | % |  |  | 0.01 | % |  |  | 0.31 | % |  |  | 99.69 | % |  |  |  |
Loans by Credit Grades | The following table presents loans by credit grades.
|  |  |  |  | Special |  |  |  |  |  |  |  |  |  |
December 31, 2017 |  | Pass |  |  | Mention |  |  | Substandard |  |  | Doubtful |  |  | Total |
Commercial |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Owner occupied real estate |  | $ | 520,907 |  |  | $ | 8,622 |  |  | $ | 18,067 |  |  | $ | — |  |  | $ | 547,596 |
Non owner occupied real estate |  |  | 655,410 |  |  |  | 3,864 |  |  |  | 5,007 |  |  |  | — |  |  |  | 664,281 |
Residential development |  |  | 16,431 |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 16,431 |
Development & Spec Land Loans |  |  | 47,562 |  |  |  | 886 |  |  |  | 226 |  |  |  | — |  |  |  | 48,674 |
Commercial and industrial |  |  | 314,190 |  |  |  | 7,448 |  |  |  | 13,589 |  |  |  | — |  |  |  | 335,227 |
Total commercial |  |  | 1,554,500 |  |  |  | 20,820 |  |  |  | 36,889 |  |  |  | — |  |  |  | 1,612,209 |
Real estate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Residential mortgage |  |  | 582,864 |  |  |  | — |  |  |  | 5,494 |  |  |  | — |  |  |  | 588,358 |
Residential construction |  |  | 15,805 |  |  |  | — |  |  |  | 222 |  |  |  | — |  |  |  | 16,027 |
Mortgage warehouse |  |  | 94,508 |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 94,508 |
Total real estate |  |  | 693,177 |  |  |  | — |  |  |  | 5,716 |  |  |  | — |  |  |  | 698,893 |
Consumer |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Direct Installment |  |  | 89,244 |  |  |  | — |  |  |  | 373 |  |  |  | — |  |  |  | 89,617 |
Direct Installment Purchased |  |  | 82 |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 82 |
Indirect Installment |  |  | 226,115 |  |  |  | — |  |  |  | 1,208 |  |  |  | — |  |  |  | 227,323 |
Home Equity |  |  | 195,602 |  |  |  | — |  |  |  | 1,976 |  |  |  | — |  |  |  | 197,578 |
Total Consumer |  |  | 511,043 |  |  |  | — |  |  |  | 3,557 |  |  |  | — |  |  |  | 514,600 |
Total |  | $ | 2,758,720 |  |  | $ | 20,820 |  |  | $ | 46,162 |  |  | $ | — |  |  | $ | 2,825,702 |
Percentage of total loans |  |  | 97.63 | % |  |  | 0.74 | % |  |  | 1.63 | % |  |  | 0.00 | % |  |  |  |
|  |  |  |  | Special |  |  |  |  |  |  |  |  |  |
December 31, 2016 |  | Pass |  |  | Mention |  |  | Substandard |  |  | Doubtful |  |  | Total |
Commercial |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Owner occupied real estate |  | $ | 322,924 |  |  | $ | 4,960 |  |  | $ | 9,664 |  |  | $ | — |  |  | $ | 337,548 |
Non owner occupied real estate |  |  | 455,648 |  |  |  | 341 |  |  |  | 5,908 |  |  |  | — |  |  |  | 461,897 |
Residential development |  |  | 5,006 |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 5,006 |
Development & Spec Land Loans |  |  | 31,057 |  |  |  | — |  |  |  | 171 |  |  |  | — |  |  |  | 31,228 |
Commercial and industrial |  |  | 220,424 |  |  |  | 3,728 |  |  |  | 6,368 |  |  |  | — |  |  |  | 230,520 |
Total commercial |  |  | 1,035,059 |  |  |  | 9,029 |  |  |  | 22,111 |  |  |  | — |  |  |  | 1,066,199 |
Real estate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Residential mortgage |  |  | 503,444 |  |  |  | — |  |  |  | 4,789 |  |  |  | — |  |  |  | 508,233 |
Residential construction |  |  | 20,378 |  |  |  | — |  |  |  | 233 |  |  |  | — |  |  |  | 20,611 |
Mortgage warehouse |  |  | 135,727 |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 135,727 |
Total real estate |  |  | 659,549 |  |  |  | — |  |  |  | 5,022 |  |  |  | — |  |  |  | 664,571 |
Consumer |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Direct Installment |  |  | 70,638 |  |  |  | — |  |  |  | 512 |  |  |  | — |  |  |  | 71,150 |
Direct Installment Purchased |  |  | 119 |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 119 |
Indirect Installment |  |  | 152,496 |  |  |  | — |  |  |  | 708 |  |  |  | — |  |  |  | 153,204 |
Home Equity |  |  | 173,117 |  |  |  | — |  |  |  | 2,009 |  |  |  | — |  |  |  | 175,126 |
Total Consumer |  |  | 396,370 |  |  |  | — |  |  |  | 3,229 |  |  |  | — |  |  |  | 399,599 |
Total |  | $ | 2,090,978 |  |  | $ | 9,029 |  |  | $ | 30,362 |  |  | $ | — |  |  | $ | 2,130,369 |
Percentage of total loans |  |  | 98.15 | % |  |  | 0.42 | % |  |  | 1.43 | % |  |  | 0.00 | % |  |  |  |

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