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LOANS, NET (Details 4) (USD $) In Thousands, unless otherwise specified | 3 Months Ended | 9 Months Ended
--- | --- | ---
Sep. 30, 2014 | Sep. 30, 2013 | Sep. 30, 2014 | Sep. 30, 2013
Activity in the allowance for loan losses by portfolio class |  |  |  |
Beginning Balance | $ 20,543 | $ 27,294 | $ 23,095 | $ 29,167
Provision for Loan Losses | 424 | 555 | 1,282 | 3,075
Charge-Offs | (2,513) | (3,512) | (7,263) | (9,416)
Recoveries | 639 | 673 | 1,979 | 2,184
Net Charge-Offs | (1,874) | (2,839) | (5,284) | (7,232)
Ending Balance | 19,093 | 25,010 | 19,093 | 25,010
Commercial, Financial and Agricultural |  |  |  |
Activity in the allowance for loan losses by portfolio class |  |  |  |
Beginning Balance | 706 | 895 | 699 | 1,253
Provision for Loan Losses | 387 | (171) | 371 | (345)
Charge-Offs | (86) | (138) | (183) | (411)
Recoveries | 28 | 87 | 148 | 176
Net Charge-Offs | (58) | (51) | (35) | (235)
Ending Balance | 1,035 | 673 | 1,035 | 673
Real Estate - Construction |  |  |  |
Activity in the allowance for loan losses by portfolio class |  |  |  |
Beginning Balance | 1,267 | 2,243 | 1,580 | 2,856
Provision for Loan Losses | (280) | (237) | (598) | (130)
Charge-Offs |  | (278) |  | (998)
Recoveries | 2 | 1 | 7 | 1
Net Charge-Offs | 2 | (277) | 7 | (997)
Ending Balance | 989 | 1,729 | 989 | 1,729
Real Estate - Commercial Mortgage |  |  |  |
Activity in the allowance for loan losses by portfolio class |  |  |  |
Beginning Balance | 6,147 | 9,951 | 7,710 | 11,081
Provision for Loan Losses | 386 | (630) | 267 | 151
Charge-Offs | (1,208) | (882) | (2,831) | (2,975)
Recoveries | 213 | 167 | 392 | 349
Net Charge-Offs | (955) | (715) | (2,439) | (2,626)
Ending Balance | 5,538 | 8,606 | 5,538 | 8,606
Real Estate - Residential |  |  |  |
Activity in the allowance for loan losses by portfolio class |  |  |  |
Beginning Balance | 8,214 | 9,258 | 9,073 | 8,678
Provision for Loan Losses | (505) | 1,044 | (385) | 2,868
Charge-Offs | (212) | (1,178) | (1,638) | (2,914)
Recoveries | 93 | 167 | 540 | 659
Net Charge-Offs | (119) | (1,011) | (1,098) | (2,255)
Ending Balance | 7,590 | 9,291 | 7,590 | 9,291
Real Estate - Home Equity |  |  |  |
Activity in the allowance for loan losses by portfolio class |  |  |  |
Beginning Balance | 3,066 | 2,879 | 3,051 | 2,945
Provision for Loan Losses | 331 | 277 | 1,048 | 404
Charge-Offs | (621) | (362) | (1,399) | (797)
Recoveries | 37 | 13 | 113 | 255
Net Charge-Offs | (584) | (349) | (1,286) | (542)
Ending Balance | 2,813 | 2,807 | 2,813 | 2,807
Consumer |  |  |  |
Activity in the allowance for loan losses by portfolio class |  |  |  |
Beginning Balance | 1,143 | 1,042 | 982 | 1,327
Provision for Loan Losses | 105 | 297 | 579 | 153
Charge-Offs | (386) | (674) | (1,212) | (1,321)
Recoveries | 266 | 238 | 779 | 744
Net Charge-Offs | (120) | (436) | (433) | (577)
Ending Balance | 1,128 | 903 | 1,128 | 903
Unallocated Financing Receivables |  |  |  |
Activity in the allowance for loan losses by portfolio class |  |  |  |
Beginning Balance |  | 1,026 |  | 1,027
Provision for Loan Losses |  | (25) |  | (26)
Charge-Offs |  |  |  |
Recoveries |  |  |  |
Net Charge-Offs |  |  |  |
Ending Balance |  | $ 1,001 |  | $ 1,001

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- Definition Amount of loans and leases that have been written off from both loan receivables and allowance reserve for credit loss. + References Reference 1: http://www.xbrl.org/2003/role/presentationRef -Publisher FASB -Name Accounting Standards Codification -Topic 942 -SubTopic 210 -Section S99 -Paragraph 1 -Subparagraph (SX 210.9-03.7(d)) -URI http://asc.fasb.org/extlink&oid=6876686&loc=d3e534808-122878 Reference 2: http://www.xbrl.org/2003/role/presentationRef -Publisher SEC -Name Regulation S-X (SX) -Number 210 -Section 03 -Paragraph 7 -Subparagraph d -Article 9 Reference 3: http://www.xbrl.org/2003/role/presentationRef -Publisher FASB -Name Accounting Standards Codification -Topic 310 -SubTopic 10 -Section 50 -Paragraph 11B -Subparagraph (c)(3) -URI http://asc.fasb.org/extlink&oid=35738203&loc=SL6953423-111524 + Details
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- Definition Amount of allowance to cover probable credit losses on loans and leases. Includes carryover of or adjustments to the allowance for loan losses in connection with business combinations. Excludes allowance for loans and leases covered under loss sharing agreements. + References Reference 1: http://www.xbrl.org/2003/role/presentationRef -Publisher FASB -Name Accounting Standards Codification -Topic 942 -SubTopic 210 -Section S99 -Paragraph 1 -Subparagraph (SX 210.9-03.7(d)) -URI http://asc.fasb.org/extlink&oid=6876686&loc=d3e534808-122878 Reference 2: http://www.xbrl.org/2003/role/presentationRef -Publisher SEC -Name Regulation S-X (SX) -Number 210 -Section 03 -Paragraph 7 -Subparagraph d -Article 9 Reference 3: http://www.xbrl.org/2003/role/presentationRef -Publisher FASB -Name Accounting Standards Codification -Topic 310 -SubTopic 10 -Section 50 -Paragraph 11B -Subparagraph (g) -URI http://asc.fasb.org/extlink&oid=35738203&loc=SL6953423-111524 Reference 4: http://www.xbrl.org/2003/role/presentationRef -Publisher FASB -Name Accounting Standards Codification -Topic 310 -SubTopic 10 -Section 50 -Paragraph 11B -Subparagraph (c)(1) -URI http://asc.fasb.org/extlink&oid=35738203&loc=SL6953423-111524 Reference 5: http://www.xbrl.org/2003/role/presentationRef -Publisher FASB -Name Accounting Standards Codification -Topic 310 -SubTopic 30 -Section 50 -Paragraph 2 -Subparagraph (b)(1)(ii) -URI http://asc.fasb.org/extlink&oid=6379141&loc=d3e15032-111544 Reference 6: http://www.xbrl.org/2003/role/presentationRef -Publisher SEC -Name Staff Accounting Bulletin (SAB) -Number Topic 6 -Section L -Subsection 1 + Details
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