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LOANS, NET (Tables) | 9 Months Ended
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Sep. 30, 2012
Notes to Financial Statements |
Schedule of composition of the loan portfolio |
(Dollars in Thousands) |  | September 30, 2012 |  | December 31, 2011 |
Commercial, Financial and Agricultural |  | $ | 135,939 |  | $ | 130,879 |
Real Estate - Construction |  |  | 39,537 |  |  | 18,892 |
Real Estate - Commercial Mortgage |  |  | 609,671 |  |  | 639,140 |
Real Estate - Residential(1) |  |  | 335,149 |  |  | 385,621 |
Real Estate - Home Equity |  |  | 239,446 |  |  | 244,263 |
Consumer |  |  | 157,026 |  |  | 188,663 |
Loans, Net of Unearned Income(2) |  | $ | 1,516,768 |  | $ | 1,607,458 |
(1) | Includes loans in process with outstanding balances of $8.1 million and $12.5 million for September 30, 2012 and December 31, 2011, respectively.
(2) | Loans held for sale are presented separately on the balance sheet and not included in the table above.
Schedule of age analysis of past due loans, segregated by class of loans |
(Dollars in Thousands) |  | 30-59 DPD |  | 60-89 DPD |  | Over 90 DPD |  | Total Past Due |  | Total Current |  | Total Loans |
September 30, 2012 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial, Financial and Agricultural |  | $ | 339 |  | $ | 120 |  | $ | — |  | $ | 459 |  | $ | 133,961 |  | $ | 135,939 |
Real Estate - Construction |  |  | 155 |  |  | — |  |  | — |  |  | 155 |  |  | 37,569 |  |  | 43,278 |
Real Estate - Commercial Mortgage |  |  | 3,390 |  |  | 295 |  |  | — |  |  | 3,685 |  |  | 565,674 |  |  | 609,671 |
Real Estate - Residential |  |  | 3,408 |  |  | 1,447 |  |  | — |  |  | 4,855 |  |  | 314,681 |  |  | 341,044 |
Real Estate - Home Equity |  |  | 1,370 |  |  | 346 |  |  | — |  |  | 1,716 |  |  | 233,170 |  |  | 239,446 |
Consumer |  |  | 1,768 |  |  | 285 |  |  | — |  |  | 2,053 |  |  | 161,242 |  |  | 163,917 |
Total Past Due Loans |  | $ | 10,430 |  | $ | 2,493 |  | $ | — |  | $ | 12,923 |  | $ | 1,446,297 |  | $ | 1,533,295 |
December 31, 2011 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial, Financial and Agricultural |  | $ | 307 |  | $ | 49 |  | $ | 46 |  | $ | 402 |  | $ | 129,722 |  | $ | 130,879 |
Real Estate - Construction |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 26,034 |  |  | 26,367 |
Real Estate - Commercial Mortgage |  |  | 3,070 |  |  | 646 |  |  | — |  |  | 3,716 |  |  | 592,604 |  |  | 639,140 |
Real Estate - Residential |  |  | 7,983 |  |  | 3,031 |  |  | 58 |  |  | 11,072 |  |  | 350,133 |  |  | 386,877 |
Real Estate - Home Equity |  |  | 1,139 |  |  | 500 |  |  | 95 |  |  | 1,734 |  |  | 238,246 |  |  | 244,263 |
Consumer |  |  | 2,355 |  |  | 345 |  |  | 25 |  |  | 2,725 |  |  | 197,272 |  |  | 201,157 |
Total Past Due Loans |  | $ | 14,854 |  | $ | 4,571 |  | $ | 224 |  | $ | 19,649 |  | $ | 1,534,011 |  | $ | 1,628,683 |
Schedule of recorded investment in nonaccrual loans and loans past due over 90 days and still on accrual by class of loans |
September 30, 2012 |  | December 31, 2011 |
(Dollars in Thousands) |  | Nonaccrual |  | Over 90 Days |  | Nonaccrual |  | Over 90 Days |
Commercial, Financial and Agricultural |  | $ | 1,521 |  | $ | — |  | $ | 755 |  | $ | 46 |
Real Estate - Construction |  |  | 5,554 |  |  | — |  |  | 334 |  |  | — |
Real Estate - Commercial Mortgage |  |  | 40,312 |  |  | — |  |  | 42,820 |  |  | — |
Real Estate - Residential |  |  | 21,508 |  |  | — |  |  | 25,671 |  |  | 58 |
Real Estate - Home Equity |  |  | 4,559 |  |  | — |  |  | 4,283 |  |  | 95 |
Consumer |  |  | 621 |  |  | — |  |  | 1,160 |  |  | 25 |
Total Nonaccrual Loans |  | $ | 74,075 |  | $ | — |  | $ | 75,023 |  | $ | 224 |
Schedule of loans individually evaluated for impairment by class of loans |
(Dollars in Thousands) |  | Unpaid Principal Balance |  | Recorded Investment With No Allowance |  | Recorded Investment With Allowance |  | Related Allowance |
September 30, 2012 |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial, Financial and Agricultural |  | $ | 2,379 |  | $ | 910 |  | $ | 1,469 |  | $ | 453 |
Real Estate - Construction |  |  | 5,716 |  |  | 797 |  |  | 4,919 |  |  | 701 |
Real Estate - Commercial Mortgage |  |  | 73,859 |  |  | 28,956 |  |  | 44,903 |  |  | 5,566 |
Real Estate - Residential |  |  | 28,429 |  |  | 3,905 |  |  | 24,524 |  |  | 3,604 |
Real Estate - Home Equity |  |  | 3,380 |  |  | 753 |  |  | 2,627 |  |  | 858 |
Consumer |  |  | 112 |  |  | 14 |  |  | 98 |  |  | 17 |
Total |  | $ | 113,875 |  | $ | 35,335 |  | $ | 78,540 |  | $ | 11,199 |
December 31, 2011 |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial, Financial and Agricultural |  | $ | 1,653 |  | $ | 671 |  | $ | 982 |  | $ | 311 |
Real Estate - Construction |  |  | 511 |  |  | — |  |  | 511 |  |  | 68 |
Real Estate - Commercial Mortgage |  |  | 65,624 |  |  | 19,987 |  |  | 45,637 |  |  | 5,828 |
Real Estate - Residential |  |  | 36,324 |  |  | 6,897 |  |  | 29,427 |  |  | 4,702 |
Real Estate - Home Equity |  |  | 3,527 |  |  | 645 |  |  | 2,882 |  |  | 239 |
Consumer |  |  | 143 |  |  | 90 |  |  | 53 |  |  | 26 |
Total |  | $ | 107,782 |  | $ | 28,290 |  | $ | 79,492 |  | $ | 11,174 |
Schedule of Average recorded investment and interest income recognized by class of impaired loans |
|  | Three Months Ended September 30, |  | Nine Months Ended September 30, |
|  | 2012 |  | 2011 |  | 2012 |  | 2011 |
(Dollars in Thousands) |  | Average Recorded Investment |  | Total Interest Income |  | Average Recorded Investment |  | Total Interest Income |  | Average Recorded Investment |  | Total Interest Income |  | Average Recorded Investment |  | Total Interest Income |
Commercial, Financial and Agricultural |  | $ | 1,969 |  |  | 48 |  | $ | 1,582 |  |  | 5 |  | $ | 2,016 |  |  | 90 |  | $ | 1,520 |  |  | 52 |
Real Estate - Construction |  |  | 6,138 |  |  | 21 |  |  | 2,000 |  |  | 106 |  |  | 3,114 |  |  | 91 |  |  | 2,197 |  |  | 116 |
Real Estate - Commercial Mortgage |  |  | 68,202 |  |  | 1,051 |  |  | 43,721 |  |  | 805 |  |  | 69,741 |  |  | 2,221 |  |  | 45,733 |  |  | 1,436 |
Real Estate - Residential |  |  | 28,850 |  |  | 332 |  |  | 27,946 |  |  | 215 |  |  | 32,377 |  |  | 828 |  |  | 29,209 |  |  | 650 |
Real Estate - Home Equity |  |  | 3,474 |  |  | 71 |  |  | 2,053 |  |  | 67 |  |  | 3,453 |  |  | 133 |  |  | 2,482 |  |  | 102 |
Consumer |  |  | 91 |  |  | 9 |  |  | 39 |  |  | 21 |  |  | 128 |  |  | 33 |  |  | 72 |  |  | 41 |
Total |  | $ | 108,724 |  |  | 1,532 |  | $ | 77,341 |  |  | 1,219 |  | $ | 110,829 |  |  | 3,396 |  | $ | 81,213 |  |  | 2,397 |
Schedule of troubled debt restructurings loans |
|  | Three Months Ended September 30, |  | Nine Months Ended September 30, |
|  | 2012 |  | 2012 |
(Dollars in Thousands) |  | Number of Contracts |  | Pre- Modified Recorded Investment |  | Post- Modified Recorded Investment |  | Number of Contracts |  | Pre- Modified Recorded Investment |  | Post- Modified Recorded Investment |
Commercial, Financial and Agricultural |  |  | 1 |  | $ | 215 |  | $ | 215 |  |  | 5 |  | $ | 871 |  | $ | 875 |
Real Estate - Construction |  |  | 2 |  |  | 162 |  |  | 162 |  |  | 6 |  |  | 969 |  |  | 976 |
Real Estate - Commercial Mortgage |  |  | 18 |  |  | 5,255 |  |  | 5,360 |  |  | 45 |  |  | 13,799 |  |  | 14,104 |
Real Estate - Residential |  |  | 34 |  |  | 2,950 |  |  | 2,860 |  |  | 54 |  |  | 5,445 |  |  | 5,418 |
Real Estate - Home Equity |  |  | 16 |  |  | 611 |  |  | 610 |  |  | 16 |  |  | 611 |  |  | 610 |
Consumer |  |  | 57 |  |  | 568 |  |  | 591 |  |  | 59 |  |  | 586 |  |  | 635 |
Total TDRs |  |  | 128 |  | $ | 9,761 |  | $ | 9,798 |  |  | 185 |  | $ | 22,281 |  | $ | 22,618 |
Schedule of loans classified as troubled debt in which modifications made |
|  | Three Months Ended September 30, |  | Nine Months Ended September 30, |
|  | 2012 |  | 2012 |
(Dollars in Thousands) |  | Number of Contracts |  | Pre- Modified Recorded Investment |  | Post- Modified Recorded Investment |  | Number of Contracts |  | Pre- Modified Recorded Investment |  | Post- Modified Recorded Investment |
Commercial, Financial and Agricultural |  |  | 1 |  | $ | 215 |  | $ | 215 |  |  | 5 |  | $ | 871 |  | $ | 875 |
Real Estate - Construction |  |  | 2 |  |  | 162 |  |  | 162 |  |  | 6 |  |  | 969 |  |  | 976 |
Real Estate - Commercial Mortgage |  |  | 18 |  |  | 5,255 |  |  | 5,360 |  |  | 45 |  |  | 13,799 |  |  | 14,104 |
Real Estate - Residential |  |  | 34 |  |  | 2,950 |  |  | 2,860 |  |  | 54 |  |  | 5,445 |  |  | 5,418 |
Real Estate - Home Equity |  |  | 16 |  |  | 611 |  |  | 610 |  |  | 16 |  |  | 611 |  |  | 610 |
Consumer |  |  | 57 |  |  | 568 |  |  | 591 |  |  | 59 |  |  | 586 |  |  | 635 |
Total TDRs |  |  | 128 |  | $ | 9,761 |  | $ | 9,798 |  |  | 185 |  | $ | 22,281 |  | $ | 22,618 |
|  | Three Months Ended September 30, |  | Nine Months Ended September 30, |
|  | 2011 |  | 2011 |
(Dollars in Thousands) |  | Number of Contracts |  | Pre-Modified Recorded Investment |  | Post-Modified Recorded Investment |  | Number of Contracts |  | Pre-Modified Recorded Investment |  | Post-Modified Recorded Investment |
Commercial, Financial and Agricultural |  |  | 3 |  | $ | 338 |  | $ | 318 |  |  | 7 |  | $ | 568 |  | $ | 547 |
Real Estate - Construction |  |  | 2 |  |  | 1,176 |  |  | 1,175 |  |  | 3 |  |  | 1,352 |  |  | 1,330 |
Real Estate - Commercial Mortgage |  |  | 16 |  |  | 5,093 |  |  | 5,347 |  |  | 39 |  |  | 13,658 |  |  | 13,768 |
Real Estate - Residential |  |  | 22 |  |  | 5,355 |  |  | 5,325 |  |  | 70 |  |  | 10,540 |  |  | 10,824 |
Real Estate - Home Equity |  |  | 5 |  |  | 462 |  |  | 472 |  |  | 9 |  |  | 639 |  |  | 660 |
Consumer |  |  | — |  |  | — |  |  | — |  |  | 2 |  |  | 24 |  |  | 23 |
Total TDRs |  |  | 48 |  | $ | 12,424 |  | $ | 12,637 |  |  | 130 |  | $ | 26,781 |  | $ | 27,152 |
Schedule of loans classified as troubled debt subsequently defaulted |
|  | Three Months Ended September 30, |  | Nine Months Ended September 30, |
|  | 2012 |  | 2012 |
(Dollars in Thousands) |  | Number of Contracts |  | Post-Modified Recorded Investment |  | Number of Contracts |  | Post-Modified Recorded Investment |
Commercial, Financial and Agricultural |  |  | — |  | $ | — |  |  | — |  | $ | — |
Real Estate - Construction |  |  | — |  |  | — |  |  | — |  |  | — |
Real Estate - Commercial Mortgage |  |  | 2 |  |  | 282 |  |  | 4 |  |  | 1,721 |
Real Estate - Residential |  |  | 4 |  |  | 751 |  |  | 7 |  |  | 1,710 |
Real Estate - Home Equity |  |  | — |  |  | — |  |  | — |  |  | — |
Consumer |  |  | — |  |  | — |  |  | — |  |  | — |
Total TDRs |  |  | 6 |  | $ | 1,033 |  |  | 11 |  | $ | 3,431 |
|  | Three Months Ended September 30, |  | Nine Months Ended September 30, |
|  | 2011 |  | 2011 |
(Dollars in Thousands) |  | Number of Contracts |  | Post-Modified Recorded Investment |  | Number of Contracts |  | Post-Modified Recorded Investment |
Commercial, Financial and Agricultural |  |  | — |  | $ | — |  |  | 2 |  | $ | 161 |
Real Estate - Construction |  |  | — |  |  | — |  |  | — |  |  | — |
Real Estate - Commercial Mortgage |  |  | 3 |  |  | 851 |  |  | 7 |  |  | 2,323 |
Real Estate - Residential |  |  | 6 |  |  | 988 |  |  | 9 |  |  | 1,967 |
Real Estate - Home Equity |  |  | — |  |  | — |  |  | — |  |  | — |
Consumer |  |  | — |  |  | — |  |  | — |  |  | — |
Total TDRs |  |  | 9 |  | $ | 1,839 |  |  | 18 |  | $ | 4,451 |
Schedule of risk category of loans by segment |
(Dollars in Thousands) |  | Commercial, Financial, Agriculture |  | Real Estate |  | Consumer |  | Total |
September 30, 2012 |  |  |  |  |  |  |  |  |  |  |  |  |
Special Mention |  | $ | 5,363 |  | $ | 48,974 |  | $ | 38 |  | $ | 54,375 |
Substandard |  |  | 11,026 |  |  | 199,854 |  |  | 1,218 |  |  | 212,098 |
Doubtful |  |  | 160 |  |  | 1,879 |  |  | — |  |  | 2,039 |
Total Criticized Loans |  | $ | 16,549 |  | $ | 250,707 |  | $ | 1,256 |  | $ | 268,512 |
December 31, 2011 |  |  |  |  |  |  |  |  |  |  |  |  |
Special Mention |  | $ | 4,883 |  | $ | 43,787 |  | $ | 79 |  | $ | 48,749 |
Substandard |  |  | 9,804 |  |  | 202,734 |  |  | 1,699 |  |  | 214,237 |
Doubtful |  |  | 111 |  |  | 7,763 |  |  | — |  |  | 7,874 |
Total Criticized Loans |  | $ | 14,798 |  | $ | 254,284 |  | $ | 1,778 |  | $ | 270,860 |
Schedule of activity in the allowance for loan losses by portfolio class |
(Dollars in Thousands) |  | Commercial, Financial, Agricultural |  | Real Estate Construction |  | Real Estate Commercial Mortgage |  | Real Estate Residential |  | Real Estate Home Equity |  | Consumer |  | Unallocated |  | Total |
Three Months Ended September 30, 2012 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Beginning Balance |  | $ | 1,320 |  | $ | 2,703 |  | $ | 8,550 |  | $ | 12,085 |  | $ | 2,830 |  | $ | 1,441 |  | $ | 1,000 |  | $ | 29,929 |
Provision for Loan Losses |  |  | 572 |  |  | 329 |  |  | 1,788 |  |  | (792 | ) |  | 1,130 |  |  | (130 | ) |  | (33 | ) |  | 2,864 |
Charge-Offs |  |  | (331 | ) |  | (127 | ) |  | (512 | ) |  | (981 | ) |  | (834 | ) |  | (355 | ) |  | — |  |  | (3,140 | )
Recoveries |  |  | 53 |  |  | 9 |  |  | 34 |  |  | 76 |  |  | 15 |  |  | 382 |  |  | — |  |  | 569 |
Net Charge-Offs |  |  | (278 | ) |  | (118 | ) |  | (478 | ) |  | (905 | ) |  | (819 | ) |  | 27 |  |  | — |  |  | (2,571 | )
Ending Balance |  | $ | 1,614 |  | $ | 2,914 |  | $ | 9,860 |  | $ | 10,388 |  | $ | 3,141 |  | $ | 1,338 |  | $ | 967 |  | $ | 30,222 |
Nine Months Ended |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
September 30, 2012 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Beginning Balance |  | $ | 1,534 |  | $ | 1,133 |  | $ | 10,660 |  | $ | 12,518 |  | $ | 2,392 |  | $ | 1,887 |  | $ | 911 |  | $ | 31,035 |
Provision for Loan Losses |  |  | 534 |  |  | 2,147 |  |  | 4,548 |  |  | 3,505 |  |  | 2,752 |  |  | (142 | ) |  | 56 |  |  | 13,400 |
Charge-Offs |  |  | (657 | ) |  | (402 | ) |  | (5,562 | ) |  | (6,843 | ) |  | (2,152 | ) |  | (1,635 | ) |  | — |  |  | (17,251 | )
Recoveries |  |  | 203 |  |  | 36 |  |  | 214 |  |  | 1,208 |  |  | 149 |  |  | 1,228 |  |  | — |  |  | 3,038 |
Net Charge-Offs |  |  | (454 | ) |  | (366 | ) |  | (5,348 | ) |  | (5,635 | ) |  | (2,003 | ) |  | (407 | ) |  | — |  |  | (14,213 | )
Ending Balance |  | $ | 1,614 |  | $ | 2,914 |  | $ | 9,860 |  | $ | 10,388 |  | $ | 3,141 |  | $ | 1,338 |  | $ | 967 |  | $ | 30,222 |
Three Months Ended September 30, 2011 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Beginning Balance |  | $ | 1,784 |  | $ | 1,745 |  | $ | 8,561 |  | $ | 13,947 |  | $ | 2,248 |  | $ | 1,795 |  | $ | 1,000 |  | $ | 31,080 |
Provision for Loan Losses |  |  | (17 | ) |  | (530 | ) |  | 3,187 |  |  | 557 |  |  | 356 |  |  | 165 |  |  | — |  |  | 3,718 |
Charge-Offs |  |  | (186 | ) |  | (75 | ) |  | (1,031 | ) |  | (3,287 | ) |  | (580 | ) |  | (832 | ) |  | — |  |  | (5,991 | )
Recoveries |  |  | 33 |  |  | — |  |  | 37 |  |  | 271 |  |  | 108 |  |  | 402 |  |  | — |  |  | 851 |
Net Charge-Offs |  |  | (153 | ) |  | (75 | ) |  | (994 | ) |  | (3,016 | ) |  | (472 | ) |  | (430 | ) |  | — |  |  | (5,140 | )
Ending Balance |  | $ | 1,614 |  | $ | 1,140 |  | $ | 10,754 |  | $ | 11,488 |  | $ | 2,132 |  | $ | 1,530 |  | $ | 1,000 |  | $ | 29,658 |
Nine Months Ended September 30, 2011 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Beginning Balance |  | $ | 1,544 |  | $ | 2,060 |  | $ | 8,645 |  | $ | 17,046 |  | $ | 2,522 |  | $ | 2,612 |  | $ | 1,007 |  | $ | 35,436 |
Provision for Loan Losses |  |  | 1,133 |  |  | (845 | ) |  | 6,215 |  |  | 3,113 |  |  | 1,922 |  |  | (135 | ) |  | (7 | ) |  | 11,396 |
Charge-Offs |  |  | (1,208 | ) |  | (90 | ) |  | (4,270 | ) |  | (9,115 | ) |  | (2,513 | ) |  | (2,055 | ) |  | — |  |  | (19,251 | )
Recoveries |  |  | 145 |  |  | 15 |  |  | 164 |  |  | 444 |  |  | 201 |  |  | 1,108 |  |  | — |  |  | 2,077 |
Net Charge-Offs |  |  | (1,063 | ) |  | (75 | ) |  | (4,106 | ) |  | (8,671 | ) |  | (2,312 | ) |  | (947 | ) |  | — |  |  | (17,174 | )
Ending Balance |  | $ | 1,614 |  | $ | 1,140 |  | $ | 10,754 |  | $ | 11,488 |  | $ | 2,132 |  | $ | 1,530 |  | $ | 1,000 |  | $ | 29,658 |
Schedule of allowance for loan losses by portfolio class and disaggregated on the basis of the impairment methodology |
(Dollars in Thousands) |  | Commercial, Financial, Agricultural |  | Real Estate Construction |  | Real Estate Commercial Mortgage |  | Real Estate Residential |  | Real Estate Home Equity |  | Consumer |  | Unallocated |  | Total |
September 30, 2012 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Period-end amount allocated to: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Loans Individually Evaluated for Impairment |  | $ | 453 |  | $ | 700 |  | $ | 5,566 |  | $ | 3,604 |  | $ | 858 |  | $ | 18 |  | $ | — |  | $ | 11,199 |
Loans Collectively Evaluated for Impairment |  |  | 1,161 |  |  | 2,214 |  |  | 4,294 |  |  | 6,784 |  |  | 2,283 |  |  | 1,320 |  |  | 967 |  |  | 19,023 |
Ending Balance |  | $ | 1,614 |  | $ | 2,914 |  | $ | 9,860 |  | $ | 10,388 |  | $ | 3,141 |  | $ | 1,338 |  | $ | 967 |  | $ | 30,222 |
September 30, 2011 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Period-end amount allocated to: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Loans Individually Evaluated for Impairment |  | $ | 419 |  | $ | 484 |  | $ | 5,931 |  | $ | 4,062 |  | $ | 103 |  | $ | — |  | $ | — |  | $ | 10,999 |
Loans Collectively Evaluated for Impairment |  |  | 1,195 |  |  | 656 |  |  | 4,823 |  |  | 7,426 |  |  | 2,029 |  |  | 1,530 |  |  | 1,000 |  |  | 18,659 |
Ending Balance |  | $ | 1,614 |  | $ | 1,140 |  | $ | 10,754 |  | $ | 11,488 |  | $ | 2,132 |  | $ | 1,530 |  | $ | 1,000 |  | $ | 29,658 |
Schedule of allowance for loan losses by portfolio class |
(Dollars in Thousands) |  | Commercial, Financial, Agricultural |  | Real Estate Construction |  | Real Estate Commercial Mortgage |  | Real Estate Residential |  | Real Estate Home Equity |  | Consumer |  | Unallocated |  | Total |
September 30, 2012 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Allowance Allocated to: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Individually Evaluated for Impairment |  | $ | 2,379 |  | $ | 5,716 |  | $ | 75,707 |  | $ | 28,592 |  | $ | 3,380 |  | $ | 112 |  | $ | — |  | $ | 115,886 |
Collectively Evaluated for Impairment |  |  | 133,560 |  |  | 37,562 |  |  | 533,964 |  |  | 312,452 |  |  | 236,066 |  |  | 163,805 |  |  | — |  |  | 1,417,409 |
Total |  | $ | 135,939 |  | $ | 43,278 |  | $ | 609,671 |  | $ | 341,044 |  | $ | 239,446 |  | $ | 163,917 |  | $ | — |  | $ | 1,533,295 |
September 30, 2011 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Total Loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Individually Evaluated for Impairment |  | $ | 1,435 |  | $ | 2,690 |  | $ | 44,911 |  | $ | 26,063 |  | $ | 1,756 |  | $ | — |  | $ | — |  | $ | 76,855 |
Collectively Evaluated for Impairment |  |  | 141,076 |  |  | 29,301 |  |  | 599,217 |  |  | 376,343 |  |  | 243,682 |  |  | 191,225 |  |  | — |  |  | 1,580,844 |
Total |  | $ | 142,511 |  | $ | 31,991 |  | $ | 644,128 |  | $ | 402,406 |  | $ | 245,438 |  | $ | 191,225 |  | $ | — |  | $ | 1,657,699 |

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