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LOANS, NET (Tables) | 6 Months Ended
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Jun. 30, 2014
Receivables [Abstract] |
Loan Portfolio Composition | Loan Portfolio Composition. The composition of the loan portfolio was as follows:
(Dollars in Thousands) |  | June 30, 2014 |  | December 31, 2013
Commercial, Financial and Agricultural |  | $ | 134,833 |  |  | $ | 126,607 |
Real Estate – Construction |  |  | 34,244 |  |  |  | 31,012 |
Real Estate – Commercial Mortgage |  |  | 518,580 |  |  |  | 533,871 |
Real Estate – Residential(1) |  |  | 305,829 |  |  |  | 309,692 |
Real Estate – Home Equity |  |  | 228,232 |  |  |  | 227,922 |
Consumer |  |  | 183,873 |  |  |  | 159,500 |
Loans, Net of Unearned Income |  | $ | 1,405,591 |  |  | $ | 1,388,604 |
| (1) | Includes loans in process with outstanding balances of $7.9 million and $6.8 million at June 30, 2014 and December 31, 2013, respectively.
Recorded investment in nonaccrual loans and loans past due over 90 days and still on accrual by class of loans | The following table presents the recorded investment in nonaccrual loans and loans past due over 90 days and still on accrual by class of loans.
|  | June 30, 2014 |  | December 31, 2013
(Dollars in Thousands) |  | Nonaccrual |  | 90 + Days |  | Nonaccrual |  | 90 + Days
Commercial, Financial and Agricultural |  | $ | 187 |  |  |  | — |  |  | $ | 188 |  |  |  | — |
Real Estate – Construction |  |  | 846 |  |  |  | — |  |  |  | 426 |  |  |  | — |
Real Estate – Commercial Mortgage |  |  | 14,089 |  |  |  | — |  |  |  | 25,227 |  |  |  | — |
Real Estate – Residential |  |  | 7,267 |  |  |  | — |  |  |  | 6,440 |  |  |  | — |
Real Estate – Home Equity |  |  | 2,784 |  |  |  | — |  |  |  | 4,084 |  |  |  | — |
Consumer |  |  | 497 |  |  |  | — |  |  |  | 599 |  |  |  | — |
Total Nonaccrual Loans |  | $ | 25,670 |  |  |  | — |  |  | $ | 36,964 |  |  |  | — |
Aging of the recorded investment in past due loans by class of loans | The following table presents the aging of the recorded investment in past due loans by class of loans.
(Dollars in Thousands) |  | 30-59 DPD |  |  | 60-89 DPD |  |  | 90 + DPD |  |  | Total Past Due |  |  | Total Current |  |  | Total Loans |
June 30, 2014 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial, Financial and Agricultural |  | $ | 62 |  |  | $ | 217 |  |  | $ | — |  |  | $ | 279 |  |  | $ | 134,367 |  |  | $ | 134,833 |
Real Estate – Construction |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 33,398 |  |  |  | 34,244 |
Real Estate – Commercial Mortgage |  |  | 1,180 |  |  |  | 55 |  |  |  | — |  |  |  | 1,235 |  |  |  | 503,256 |  |  |  | 518,580 |
Real Estate – Residential |  |  | 1,363 |  |  |  | 668 |  |  |  | — |  |  |  | 2,031 |  |  |  | 296,531 |  |  |  | 305,829 |
Real Estate – Home Equity |  |  | 689 |  |  |  | 119 |  |  |  | — |  |  |  | 808 |  |  |  | 224,640 |  |  |  | 228,232 |
Consumer |  |  | 555 |  |  |  | 184 |  |  |  | — |  |  |  | 739 |  |  |  | 182,637 |  |  |  | 183,873 |
Total Past Due Loans |  | $ | 3,849 |  |  | $ | 1,243 |  |  | $ | — |  |  | $ | 5,092 |  |  | $ | 1,374,829 |  |  | $ | 1,405,591 |
December 31, 2013 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial, Financial and Agricultural |  | $ | 258 |  |  | $ | 100 |  |  | $ | — |  |  | $ | 358 |  |  | $ | 126,062 |  |  | $ | 126,607 |
Real Estate – Construction |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 30,587 |  |  |  | 31,012 |
Real Estate – Commercial Mortgage |  |  | 1,548 |  |  |  | 672 |  |  |  | — |  |  |  | 2,220 |  |  |  | 506,424 |  |  |  | 533,871 |
Real Estate – Residential |  |  | 1,647 |  |  |  | 1,090 |  |  |  | — |  |  |  | 2,737 |  |  |  | 300,514 |  |  |  | 309,692 |
Real Estate – Home Equity |  |  | 848 |  |  |  | 212 |  |  |  | — |  |  |  | 1,060 |  |  |  | 222,778 |  |  |  | 227,922 |
Consumer |  |  | 1,127 |  |  |  | 244 |  |  |  | — |  |  |  | 1,371 |  |  |  | 157,529 |  |  |  | 159,500 |
Total Past Due Loans |  | $ | 5,428 |  |  | $ | 2,318 |  |  | $ | — |  |  | $ | 7,746 |  |  | $ | 1,343,894 |  |  | $ | 1,388,604 |
Activity in the allowance for loan losses by portfolio class | The following table details the activity in the allowance for loan losses by portfolio class. Allocation of a portion of the allowance to one category of loans does not preclude its availability to absorb losses in other categories.
(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 June 30, 2014 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Beginning Balance |  | $ | 633 |  |  | $ | 1,842 |  |  | $ | 7,080 |  |  | $ | 8,842 |  |  | $ | 2,853 |  |  | $ | 860 |  |  | $ | — |  |  | $ | 22,110 |
Provision for Loan Losses |  |  | 114 |  |  |  | (576 | ) |  |  | (56 | ) |  |  | 15 |  |  |  | 523 |  |  |  | 479 |  |  |  | — |  |  |  | 499 |
Charge-Offs |  |  | (86 | ) |  |  | — |  |  |  | (1,029 | ) |  |  | (695 | ) |  |  | (375 | ) |  |  | (421 | ) |  |  | — |  |  |  | (2,606 | )
Recoveries |  |  | 45 |  |  |  | 1 |  |  |  | 152 |  |  |  | 52 |  |  |  | 65 |  |  |  | 225 |  |  |  | — |  |  |  | 540 |
Net Charge-Offs |  |  | (41 | ) |  |  | 1 |  |  |  | (877 | ) |  |  | (643 | ) |  |  | (310 | ) |  |  | (196 | ) |  |  | — |  |  |  | (2,066 | )
Ending Balance |  | $ | 706 |  |  | $ | 1,267 |  |  | $ | 6,147 |  |  | $ | 8,214 |  |  | $ | 3,066 |  |  | $ | 1,143 |  |  | $ | — |  |  | $ | 20,543 |
Six Months Ended June 30, 2014 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Beginning Balance |  | $ | 699 |  |  | $ | 1,580 |  |  | $ | 7,710 |  |  | $ | 9,073 |  |  | $ | 3,051 |  |  | $ | 982 |  |  | $ | — |  |  | $ | 23,095 |
Provision for Loan Losses |  |  | (16 | ) |  |  | (318 | ) |  |  | (119 | ) |  |  | 120 |  |  |  | 717 |  |  |  | 474 |  |  |  | — |  |  |  | 858 |
Charge-Offs |  |  | (97 | ) |  |  | — |  |  |  | (1,623 | ) |  |  | (1,426 | ) |  |  | (778 | ) |  |  | (826 | ) |  |  | — |  |  |  | (4,750 | )
Recoveries |  |  | 120 |  |  |  | 5 |  |  |  | 179 |  |  |  | 447 |  |  |  | 76 |  |  |  | 513 |  |  |  | — |  |  |  | 1,340 |
Net Charge-Offs |  |  | 23 |  |  |  | 5 |  |  |  | (1,444 | ) |  |  | (979 | ) |  |  | (702 | ) |  |  | (313 | ) |  |  | — |  |  |  | (3,410 | )
Ending Balance |  | $ | 706 |  |  | $ | 1,267 |  |  | $ | 6,147 |  |  | $ | 8,214 |  |  | $ | 3,066 |  |  | $ | 1,143 |  |  | $ | — |  |  | $ | 20,543 |
Three Months Ended June 30, 2013 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Beginning Balance |  | $ | 857 |  |  | $ | 2,387 |  |  | $ | 10,998 |  |  | $ | 8,266 |  |  | $ | 3,077 |  |  | $ | 1,218 |  |  | $ | 1,000 |  |  | $ | 27,803 |
Provision for Loan Losses |  |  | 119 |  |  |  | (34 | ) |  |  | (141 | ) |  |  | 1,649 |  |  |  | (100 | ) |  |  | (69 | ) |  |  | 26 |  |  |  | 1,450 |
Charge-Offs |  |  | (119 | ) |  |  | (110 | ) |  |  | (1,050 | ) |  |  | (1,053 | ) |  |  | (322 | ) |  |  | (351 | ) |  |  | — |  |  |  | (3,005 | )
Recoveries |  |  | 38 |  |  |  | — |  |  |  | 144 |  |  |  | 396 |  |  |  | 224 |  |  |  | 244 |  |  |  | — |  |  |  | 1,046 |
Net Charge-Offs |  |  | (81 | ) |  |  | (110 | ) |  |  | (906 | ) |  |  | (657 | ) |  |  | (98 | ) |  |  | (107 | ) |  |  | — |  |  |  | (1,959 | )
Ending Balance |  | $ | 895 |  |  | $ | 2,243 |  |  | $ | 9,951 |  |  | $ | 9,258 |  |  | $ | 2,879 |  |  | $ | 1,042 |  |  | $ | 1,026 |  |  | $ | 27,294 |
Six Months Ended June 30, 2013 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Beginning Balance |  | $ | 1,253 |  |  | $ | 2,856 |  |  | $ | 11,081 |  |  | $ | 8,678 |  |  | $ | 2,945 |  |  | $ | 1,327 |  |  | $ | 1,027 |  |  | $ | 29,167 |
Provision for Loan Losses |  |  | (174 | ) |  |  | 107 |  |  |  | 781 |  |  |  | 1,824 |  |  |  | 127 |  |  |  | (144 | ) |  |  | (1 | ) |  |  | 2,520 |
Charge-Offs |  |  | (273 | ) |  |  | (720 | ) |  |  | (2,093 | ) |  |  | (1,736 | ) |  |  | (435 | ) |  |  | (647 | ) |  |  | — |  |  |  | (5,904 | )
Recoveries |  |  | 89 |  |  |  | — |  |  |  | 182 |  |  |  | 492 |  |  |  | 242 |  |  |  | 506 |  |  |  | — |  |  |  | 1,511 |
Net Charge-Offs |  |  | (184 | ) |  |  | (720 | ) |  |  | (1,911 | ) |  |  | (1,244 | ) |  |  | (193 | ) |  |  | (141 | ) |  |  | — |  |  |  | (4,393 | )
Ending Balance |  | $ | 895 |  |  | $ | 2,243 |  |  | $ | 9,951 |  |  | $ | 9,258 |  |  | $ | 2,879 |  |  | $ | 1,042 |  |  | $ | 1,026 |  |  | $ | 27,294 |
Allowance for loan losses by portfolio class disaggregated on the basis | The following table details the amount of the allowance for loan losses by portfolio class disaggregated on the basis of the Company’s 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
June 30, 2014 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Period-end amount Allocated to: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Loans Individually Evaluated for Impairment |  | $ | 185 |  |  | $ | 63 |  |  | $ | 3,565 |  |  | $ | 2,563 |  |  | $ | 305 |  |  | $ | 20 |  |  | $ | — |  |  | $ | 6,701 |
Loans Collectively Evaluated for Impairment |  |  | 521 |  |  |  | 1,204 |  |  |  | 2,582 |  |  |  | 5,651 |  |  |  | 2,761 |  |  |  | 1,123 |  |  |  | — |  |  |  | 13,842 |
Ending Balance |  | $ | 706 |  |  | $ | 1,267 |  |  | $ | 6,147 |  |  | $ | 8,214 |  |  | $ | 3,066 |  |  | $ | 1,143 |  |  | $ | — |  |  | $ | 20,543 |
December 31, 2013 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Period-end amount Allocated to: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Loans Individually Evaluated for Impairment |  | $ | 75 |  |  | $ | 66 |  |  | $ | 4,336 |  |  | $ | 2,047 |  |  | $ | 682 |  |  | $ | 23 |  |  | $ | — |  |  | $ | 7,229 |
Loans Collectively Evaluated for Impairment |  |  | 624 |  |  |  | 1,514 |  |  |  | 3,374 |  |  |  | 7,026 |  |  |  | 2,369 |  |  |  | 959 |  |  |  | — |  |  |  | 15,866 |
Ending Balance |  | $ | 699 |  |  | $ | 1,580 |  |  | $ | 7,710 |  |  | $ | 9,073 |  |  | $ | 3,051 |  |  | $ | 982 |  |  | $ | — |  |  | $ | 23,095 |
June 30, 2013 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Period-end amount Allocated to: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Loans Individually Evaluated for Impairment |  | $ | 238 |  |  | $ | 160 |  |  | $ | 6,022 |  |  | $ | 2,542 |  |  | $ | 524 |  |  | $ | 60 |  |  | $ | — |  |  | $ | 9,546 |
Loans Collectively Evaluated for Impairment |  |  | 657 |  |  |  | 2,083 |  |  |  | 3,929 |  |  |  | 6,716 |  |  |  | 2,355 |  |  |  | 982 |  |  |  | 1,026 |  |  |  | 17,748 |
Ending Balance |  | $ | 895 |  |  | $ | 2,243 |  |  | $ | 9,951 |  |  | $ | 9,258 |  |  | $ | 2,879 |  |  | $ | 1,042 |  |  | $ | 1,026 |  |  | $ | 27,294 |
Recorded investment in loans related to each balance in the allowance for loan losses | The Company’s recorded investment in loans related to each balance in the allowance for loan losses by portfolio class and disaggregated on the basis of the Company’s impairment methodology was as follows:
(Dollars in Thousands) |  | Commercial, Financial, Agricultural |  | Real Estate Construction |  | Real Estate Commercial Mortgage |  | Real Estate Residential |  | Real Estate Home Equity |  | Consumer |  | Unallocated |  | Total
June 30, 2014 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Individually Evaluated for Impairment |  | $ | 1,378 |  |  | $ | 821 |  |  | $ | 40,516 |  |  | $ | 22,273 |  |  | $ | 2,563 |  |  | $ | 315 |  |  | $ | — |  |  | $ | 67,866 |
Collectively Evaluated for Impairment |  |  | 133,455 |  |  |  | 33,423 |  |  |  | 478,064 |  |  |  | 283,556 |  |  |  | 225,669 |  |  |  | 183,558 |  |  |  | — |  |  |  | 1,337,725 |
Total |  | $ | 134,833 |  |  | $ | 34,244 |  |  | $ | 518,580 |  |  | $ | 305,829 |  |  | $ | 228,232 |  |  | $ | 183,873 |  |  | $ | — |  |  | $ | 1,405,591 |
December 31, 2013 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Individually Evaluated for Impairment |  | $ | 1,580 |  |  | $ | 557 |  |  | $ | 49,973 |  |  | $ | 20,470 |  |  | $ | 3,359 |  |  | $ | 355 |  |  | $ | — |  |  | $ | 76,294 |
Collectively Evaluated for Impairment |  |  | 125,027 |  |  |  | 30,455 |  |  |  | 483,898 |  |  |  | 289,222 |  |  |  | 224,563 |  |  |  | 159,145 |  |  |  | — |  |  |  | 1,312,310 |
Total |  | $ | 126,607 |  |  | $ | 31,012 |  |  | $ | 533,871 |  |  | $ | 309,692 |  |  | $ | 227,922 |  |  | $ | 159,500 |  |  | $ | — |  |  | $ | 1,388,604 |
June 30, 2013 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Individually Evaluated for Impairment |  | $ | 1,955 |  |  | $ | 1,097 |  |  | $ | 61,494 |  |  | $ | 21,090 |  |  | $ | 4,124 |  |  | $ | 526 |  |  | $ | — |  |  | $ | 90,286 |
Collectively Evaluated for Impairment |  |  | 124,976 |  |  |  | 34,726 |  |  |  | 520,007 |  |  |  | 287,068 |  |  |  | 228,406 |  |  |  | 144,648 |  |  |  | — |  |  |  | 1,339,831 |
Total |  | $ | 126,931 |  |  | $ | 35,823 |  |  | $ | 581,501 |  |  | $ | 308,158 |  |  | $ | 232,530 |  |  | $ | 145,174 |  |  | $ | — |  |  | $ | 1,430,117 |
Loans individually evaluated for impairment by class of loans | The following table presents 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
June 30, 2014 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial, Financial and Agricultural |  | $ | 1,378 |  |  | $ | 200 |  |  | $ | 1,178 |  |  | $ | 185 |
Real Estate – Construction |  |  | 821 |  |  |  | 401 |  |  |  | 421 |  |  |  | 63 |
Real Estate – Commercial Mortgage |  |  | 40,516 |  |  |  | 11,585 |  |  |  | 28,931 |  |  |  | 3,565 |
Real Estate – Residential |  |  | 22,273 |  |  |  | 5,564 |  |  |  | 16,708 |  |  |  | 2,563 |
Real Estate – Home Equity |  |  | 2,563 |  |  |  | 809 |  |  |  | 1,754 |  |  |  | 305 |
Consumer |  |  | 315 |  |  |  | 96 |  |  |  | 219 |  |  |  | 20 |
Total |  | $ | 67,866 |  |  | $ | 18,655 |  |  | $ | 49,211 |  |  | $ | 6,701 |
December 31, 2013 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial, Financial and Agricultural |  | $ | 1,580 |  |  | $ | 443 |  |  | $ | 1,137 |  |  | $ | 75 |
Real Estate – Construction |  |  | 557 |  |  |  | — |  |  |  | 557 |  |  |  | 66 |
Real Estate – Commercial Mortgage |  |  | 49,973 |  |  |  | 19,860 |  |  |  | 30,113 |  |  |  | 4,336 |
Real Estate – Residential |  |  | 20,470 |  |  |  | 4,330 |  |  |  | 16,140 |  |  |  | 2,047 |
Real Estate – Home Equity |  |  | 3,359 |  |  |  | 646 |  |  |  | 2,713 |  |  |  | 682 |
Consumer |  |  | 355 |  |  |  | 90 |  |  |  | 265 |  |  |  | 23 |
Total |  | $ | 76,294 |  |  | $ | 25,369 |  |  | $ | 50,925 |  |  | $ | 7,229 |
Average recorded investment and interest income recognized by class of impaired loans | The following table summarizes the average recorded investment and interest income recognized by class of impaired loans.
|  | Three Months Ended June 30, |  | Six Months Ended June 30,
|  | 2014 |  | 2013 |  | 2014 |  | 2013
(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 |  | $ | 1,482 |  |  | $ | 17 |  |  | $ | 2,176 |  |  | $ | 33 |  |  | $ | 1,514 |  |  | $ | 35 |  |  | $ | 2,226 |  |  | $ | 76 |
Real Estate - Construction |  |  | 689 |  |  |  | 1 |  |  |  | 1,589 |  |  |  | 2 |  |  |  | 645 |  |  |  | 2 |  |  |  | 2,469 |  |  |  | 3 |
Real Estate - Commercial Mortgage |  |  | 45,215 |  |  |  | 389 |  |  |  | 62,267 |  |  |  | 524 |  |  |  | 46,801 |  |  |  | 917 |  |  |  | 66,395 |  |  |  | 1,065 |
Real Estate - Residential |  |  | 21,558 |  |  |  | 307 |  |  |  | 21,582 |  |  |  | 213 |  |  |  | 21,195 |  |  |  | 517 |  |  |  | 22,065 |  |  |  | 419 |
Real Estate - Home Equity |  |  | 2,768 |  |  |  | 17 |  |  |  | 4,096 |  |  |  | 16 |  |  |  | 2,965 |  |  |  | 34 |  |  |  | 4,017 |  |  |  | 36 |
Consumer |  |  | 338 |  |  |  | 2 |  |  |  | 587 |  |  |  | 3 |  |  |  | 344 |  |  |  | 5 |  |  |  | 620 |  |  |  | 5 |
Total |  | $ | 72,050 |  |  | $ | 733 |  |  | $ | 92,297 |  |  | $ | 791 |  |  | $ | 73,464 |  |  | $ | 1,510 |  |  | $ | 97,792 |  |  | $ | 1,604 |
Risk category of loans by segment | The following table presents the risk category of loans by segment.
(Dollars in Thousands) |  | Commercial, Financial, Agriculture |  | Real Estate |  | Consumer |  | Total Criticized Loans
June 30, 2014 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Special Mention |  | $ | 4,821 |  |  | $ | 44,384 |  |  | $ | 155 |  |  | $ | 49,360 |
Substandard |  |  | 4,292 |  |  |  | 89,722 |  |  |  | 1,023 |  |  |  | 95,037 |
Doubtful |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Total Criticized Loans |  | $ | 9,113 |  |  | $ | 134,106 |  |  | $ | 1,178 |  |  | $ | 144,397 |
December 31, 2013 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Special Mention |  | $ | 3,656 |  |  | $ | 45,870 |  |  | $ | 115 |  |  | $ | 49,641 |
Substandard |  |  | 4,243 |  |  |  | 108,990 |  |  |  | 1,496 |  |  |  | 114,729 |
Doubtful |  |  | — |  |  |  | 900 |  |  |  | — |  |  |  | 900 |
Total Criticized Loans |  | $ | 7,899 |  |  | $ | 155,760 |  |  | $ | 1,611 |  |  | $ | 165,270 |
Loans classified as TDRs | The following table presents loans classified as TDRs.
|  | June 30, 2014 |  | December 31, 2013
(Dollars in Thousands) |  | Accruing |  |  | Nonaccruing |  |  | Accruing |  |  | Nonaccruing |
Commercial, Financial and Agricultural |  | $ | 1,317 |  |  | $ | — |  |  | $ | 1,511 |  |  | $ | — |
Real Estate – Construction |  |  | — |  |  |  | — |  |  |  | 156 |  |  |  | — |
Real Estate – Commercial Mortgage |  |  | 25,854 |  |  |  | 4,116 |  |  |  | 24,735 |  |  |  | 10,308 |
Real Estate – Residential |  |  | 16,459 |  |  |  | 1,478 |  |  |  | 16,441 |  |  |  | 458 |
Real Estate – Home Equity |  |  | 1,500 |  |  |  | 184 |  |  |  | 1,576 |  |  |  | 241 |
Consumer |  |  | 310 |  |  |  | — |  |  |  | 345 |  |  |  | — |
Total TDRs |  | $ | 45,440 |  |  | $ | 5,778 |  |  | $ | 44,764 |  |  | $ | 11,007 |
Loans classified as TDRs during the three months ended | Loans classified as TDRs during the periods indicated are presented in the table below. The modifications made during the reporting period involved either an extension of the loan term, an interest rate adjustment, or a principal moratorium, and the financial impact of these modifications was not material.
|  | Three Months Ended June 30, |  | Six Months Ended June 30,
|  | 2014 |  | 2014
(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 |  |  | $ | 51 |  |  | $ | 54 |
Real Estate – Construction |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Real Estate - Commercial Mortgage |  |  | 1 |  |  |  | 60 |  |  |  | 60 |  |  |  | 2 |  |  |  | 644 |  |  |  | 644 |
Real Estate – Residential |  |  | 3 |  |  |  | 271 |  |  |  | 317 |  |  |  | 6 |  |  |  | 1,107 |  |  |  | 1,207 |
Real Estate - Home Equity |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 3 |  |  |  | 248 |  |  |  | 248 |
Consumer |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 1 |  |  |  | 34 |  |  |  | 34 |
Total TDRs |  |  | 4 |  |  | $ | 331 |  |  | $ | 377 |  |  |  | 13 |  |  | $ | 2,084 |  |  | $ | 2,187 |
|  | Three Months Ended June 30, |  | Six Months Ended June 30,
|  | 2013 |  | 2013
(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 |  |  | 2 |  |  | $ | 268 |  |  | $ | 259 |  |  |  | 4 |  |  | $ | 294 |  |  | $ | 337 |
Real Estate – Construction |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Real Estate - Commercial Mortgage |  |  | 4 |  |  |  | 734 |  |  |  | 721 |  |  |  | 9 |  |  |  | 5,121 |  |  |  | 5,153 |
Real Estate – Residential |  |  | 7 |  |  |  | 804 |  |  |  | 833 |  |  |  | 10 |  |  |  | 1,176 |  |  |  | 1,214 |
Real Estate - Home Equity |  |  | 5 |  |  |  | 256 |  |  |  | 252 |  |  |  | 6 |  |  |  | 344 |  |  |  | 342 |
Consumer |  |  | 5 |  |  |  | 77 |  |  |  | 60 |  |  |  | 6 |  |  |  | 112 |  |  |  | 93 |
Total TDRs |  |  | 23 |  |  | $ | 2,139 |  |  | $ | 2,125 |  |  |  | 35 |  |  | $ | 7,047 |  |  | $ | 7,139 |
Loans modified as TDRs within the previous 12 months and subsequently defaulted | Loans modified as TDRs within the previous 12 months that have subsequently defaulted during the periods indicated are presented in the table below.
|  | Three Months Ended June 30, |  | Six Months Ended June 30,
|  | 2014 |  | 2014
(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 |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Real Estate - Residential |  |  | 1 |  |  |  | 118 |  |  |  | 1 |  |  |  | 118 |
Real Estate - Home Equity |  |  | 1 |  |  |  | 153 |  |  |  | 1 |  |  |  | 153 |
Consumer |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Total TDRs |  |  | 2 |  |  | $ | 271 |  |  |  | 2 |  |  | $ | 271 |
|  | Three Months Ended June 30, |  | Six Months Ended June 30,
|  | 2013 |  | 2013
(Dollars in Thousands) |  | Number of Contracts |  | Post-Modified Recorded Investment |  | Number of Contracts |  | Post-Modified Recorded Investment
Commercial, Financial and Agricultural |  |  | 1 |  |  | $ | 83 |  |  |  | 1 |  |  | $ | 83 |
Real Estate - Construction |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Real Estate - Commercial Mortgage |  |  | 3 |  |  |  | 988 |  |  |  | 5 |  |  |  | 1,216 |
Real Estate - Residential |  |  | 1 |  |  |  | 264 |  |  |  | 2 |  |  |  | 283 |
Real Estate - Home Equity |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Consumer |  |  | 1 |  |  |  | 28 |  |  |  | 1 |  |  |  | 28 |
Total TDRs |  |  | 6 |  |  | $ | 1,363 |  |  |  | 9 |  |  | $ | 1,610 |
| (1) | Recorded investment reflects charge-offs and additional funds advanced at time of restructure, if applicable.
Loans modified as TDRs information | Loans modified as TDRs within the previous 12 months that have subsequently defaulted during the periods indicated are presented in the table below.
|  | Three Months Ended June 30, |  | Six Months Ended June 30,
|  | 2014 |  | 2014
(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 |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Real Estate - Residential |  |  | 1 |  |  |  | 118 |  |  |  | 1 |  |  |  | 118 |
Real Estate - Home Equity |  |  | 1 |  |  |  | 153 |  |  |  | 1 |  |  |  | 153 |
Consumer |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Total TDRs |  |  | 2 |  |  | $ | 271 |  |  |  | 2 |  |  | $ | 271 |
|  | Three Months Ended June 30, |  | Six Months Ended June 30,
|  | 2013 |  | 2013
(Dollars in Thousands) |  | Number of Contracts |  | Post-Modified Recorded Investment |  | Number of Contracts |  | Post-Modified Recorded Investment
Commercial, Financial and Agricultural |  |  | 1 |  |  | $ | 83 |  |  |  | 1 |  |  | $ | 83 |
Real Estate - Construction |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Real Estate - Commercial Mortgage |  |  | 3 |  |  |  | 988 |  |  |  | 5 |  |  |  | 1,216 |
Real Estate - Residential |  |  | 1 |  |  |  | 264 |  |  |  | 2 |  |  |  | 283 |
Real Estate - Home Equity |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Consumer |  |  | 1 |  |  |  | 28 |  |  |  | 1 |  |  |  | 28 |
Total TDRs |  |  | 6 |  |  | $ | 1,363 |  |  |  | 9 |  |  | $ | 1,610 |
| (1) | Recorded investment reflects charge-offs and additional funds advanced at time of restructure, if applicable.

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