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LOANS (Tables) | 12 Months Ended
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Dec. 31, 2014
Loans Tables |
Schedule of composition of the loan portfolio | The composition of the loan portfolio at December 31 was as follows:
(Dollars in Thousands) |  | 2014 |  |  | 2013 |
Commercial, Financial and Agricultural |  | $ | 136,925 |  |  | $ | 126,607 |
Real Estate – Construction |  |  | 41,596 |  |  |  | 31,012 |
Real Estate – Commercial Mortgage |  |  | 510,120 |  |  |  | 533,871 |
Real Estate – Residential(1) |  |  | 295,969 |  |  |  | 309,692 |
Real Estate – Home Equity |  |  | 229,572 |  |  |  | 227,922 |
Consumer |  |  | 217,192 |  |  |  | 159,500 |
Loans, Net of Unearned Income |  | $ | 1,431,374 |  |  | $ | 1,388,604 |
| (1) | Includes loans in process with outstanding balances of $7.4 million and $6.8 million for 2014 and 2013, respectively.
Schedule of 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 at December 31:
|  | 2014 |  |  | 2013 |
(Dollars in Thousands) |  | Nonaccrual |  |  | 90 + Days |  |  | Nonaccrual |  |  | 90 + Days |
Commercial, Financial and Agricultural |  | $ | 507 |  |  |  | — |  |  | $ | 188 |  |  |  | — |
Real Estate – Construction |  |  | 424 |  |  |  | — |  |  |  | 426 |  |  |  | — |
Real Estate – Commercial Mortgage |  |  | 5,806 |  |  |  | — |  |  |  | 25,227 |  |  |  | — |
Real Estate – Residential |  |  | 6,737 |  |  |  | — |  |  |  | 6,440 |  |  |  | — |
Real Estate – Home Equity |  |  | 2,544 |  |  |  | — |  |  |  | 4,084 |  |  |  | — |
Consumer |  |  | 751 |  |  |  | — |  |  |  | 599 |  |  |  | — |
Total |  | $ | 16,769 |  |  |  | — |  |  | $ | 36,964 |  |  |  | — |
Schedule of aging of 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 at December 31,
(Dollars in Thousands) |  | 30-59 DPD |  |  | 60-89 DPD |  |  | 90 + DPD |  |  | Total Past Due |  |  | Total Current |  |  | Total Loans |
2014 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial, Financial and Agricultural |  | $ | 352 |  |  | $ | 155 |  |  | $ | — |  |  | $ | 507 |  |  | $ | 135,911 |  |  | $ | 136,925 |
Real Estate – Construction |  |  | 690 |  |  |  | — |  |  |  | — |  |  |  | 690 |  |  |  | 40,482 |  |  |  | 41,596 |
Real Estate – Commercial Mortgage |  |  | 1,701 |  |  |  | 569 |  |  |  | — |  |  |  | 2,270 |  |  |  | 502,044 |  |  |  | 510,120 |
Real Estate – Residential |  |  | 682 |  |  |  | 1,147 |  |  |  | — |  |  |  | 1,829 |  |  |  | 287,403 |  |  |  | 295,969 |
Real Estate – Home Equity |  |  | 689 |  |  |  | 85 |  |  |  | — |  |  |  | 774 |  |  |  | 226,254 |  |  |  | 229,572 |
Consumer |  |  | 625 |  |  |  | 97 |  |  |  | — |  |  |  | 722 |  |  |  | 215,719 |  |  |  | 217,192 |
Total |  | $ | 4,739 |  |  | $ | 2,053 |  |  | $ | — |  |  | $ | 6,792 |  |  | $ | 1,407,813 |  |  | $ | 1,431,374 |
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 |  | $ | 5,428 |  |  | $ | 2,318 |  |  | $ | — |  |  | $ | 7,746 |  |  | $ | 1,343,894 |  |  | $ | 1,388,604
Schedule of 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 for the years ended December 31. Allocation of a portion of the allowance to one category of loans does not preclude its availability to absorb losses in other categories.
|  | Commercial, |  |  |  |  |  | Real Estate |  |  |  |  |  | Real Estate |  |  |  |  |  |  |  |  |  |
|  | Financial, |  |  | Real Estate |  |  | Commercial |  |  | Real Estate |  |  | Home |  |  |  |  |  |  |  |  |  |
(Dollars in Thousands) |  | Agricultural |  |  | Construction |  |  | Mortgage |  |  | Residential |  |  | Equity |  |  | Consumer |  |  | Unallocated |  |  | Total |
2014 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Beginning Balance |  | $ | 699 |  |  | $ | 1,580 |  |  | $ | 7,710 |  |  | $ | 9,073 |  |  | $ | 3,051 |  |  | $ | 982 |  |  | $ | — |  |  | $ | 23,095 |
Provision for Loan Losses |  |  | 742 |  |  |  | (718 | ) |  |  | 897 |  |  |  | (1,145 | ) |  |  | 1,069 |  |  |  | 1,060 |  |  |  | — |  |  |  | 1,905 |
Charge-Offs |  |  | (871 | ) |  |  | (28 | ) |  |  | (3,788 | ) |  |  | (2,160 | ) |  |  | (1,379 | ) |  |  | (1,820 | ) |  |  | — |  |  |  | (10,046 | )
Recoveries |  |  | 214 |  |  |  | 9 |  |  |  | 468 |  |  |  | 752 |  |  |  | 141 |  |  |  | 1,001 |  |  |  | — |  |  |  | 2,585 |
Net Charge-Offs |  |  | (657 | ) |  |  | (19 | ) |  |  | (3,320 | ) |  |  | (1,408 | ) |  |  | (1,238 | ) |  |  | (819 | ) |  |  | — |  |  |  | (7,461 | )
Ending Balance |  | $ | 784 |  |  | $ | 843 |  |  | $ | 5,287 |  |  | $ | 6,520 |  |  | $ | 2,882 |  |  | $ | 1,223 |  |  | $ | — |  |  | $ | 17,539 |
2013 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Beginning Balance |  | $ | 1,253 |  |  | $ | 2,856 |  |  | $ | 11,081 |  |  | $ | 8,678 |  |  | $ | 2,945 |  |  | $ | 1,327 |  |  | $ | 1,027 |  |  | $ | 29,167 |
Provision for Loan Losses |  |  | (15 | ) |  |  | (207 | ) |  |  | (83 | ) |  |  | 3,392 |  |  |  | 971 |  |  |  | 441 |  |  |  | (1,027 | ) |  |  | 3,472 |
Charge-Offs |  |  | (748 | ) |  |  | (1,070 | ) |  |  | (3,651 | ) |  |  | (3,835 | ) |  |  | (1,159 | ) |  |  | (1,751 | ) |  |  | — |  |  |  | (12,214 | )
Recoveries |  |  | 209 |  |  |  | 1 |  |  |  | 363 |  |  |  | 838 |  |  |  | 294 |  |  |  | 965 |  |  |  | — |  |  |  | 2,670 |
Net Charge-Offs |  |  | (539 | ) |  |  | (1,069 | ) |  |  | (3,288 | ) |  |  | (2,997 | ) |  |  | (865 | ) |  |  | (786 | ) |  |  | — |  |  |  | (9,544 | )
Ending Balance |  | $ | 699 |  |  | $ | 1,580 |  |  | $ | 7,710 |  |  | $ | 9,073 |  |  | $ | 3,051 |  |  | $ | 982 |  |  | $ | — |  |  | $ | 23,095 |
2012 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Beginning Balance |  | $ | 1,534 |  |  | $ | 1,133 |  |  | $ | 10,660 |  |  | $ | 12,518 |  |  | $ | 2,392 |  |  | $ | 1,887 |  |  | $ | 911 |  |  | $ | 31,035 |
Provision for Loan Losses |  |  | 251 |  |  |  | 2,309 |  |  |  | 5,770 |  |  |  | 4,588 |  |  |  | 3,050 |  |  |  | 82 |  |  |  | 116 |  |  |  | 16,166 |
Charge-Offs |  |  | (822 | ) |  |  | (629 | ) |  |  | (6,031 | ) |  |  | (9,719 | ) |  |  | (2,896 | ) |  |  | (2,125 | ) |  |  | — |  |  |  | (22,222 | )
Recoveries |  |  | 290 |  |  |  | 43 |  |  |  | 682 |  |  |  | 1,291 |  |  |  | 399 |  |  |  | 1,483 |  |  |  | — |  |  |  | 4,188 |
Net Charge-Offs |  |  | (532 | ) |  |  | (586 | ) |  |  | (5,349 | ) |  |  | (8,428 | ) |  |  | (2,497 | ) |  |  | (642 | ) |  |  | — |  |  |  | (18,034 | )
Ending Balance |  | $ | 1,253 |  |  | $ | 2,856 |  |  | $ | 11,081 |  |  | $ | 8,678 |  |  | $ | 2,945 |  |  | $ | 1,327 |  |  | $ | 1,027 |  |  | $ | 29,167
Schedule of allowance for loan losses by portfolio class and disaggregated on the basis of the impairment methodology | The following table details the amount of the allowance for loan losses by portfolio class at December 31, disaggregated on the basis of the Company’s impairment methodology.
|  | Commercial, |  |  |  |  |  | Real Estate |  |  |  |  |  | Real Estate |  |  |  |  |  |  |  |  |  |
|  | Financial, |  |  | Real Estate |  |  | Commercial |  |  | Real Estate |  |  | Home |  |  |  |  |  |  |  |  |  |
(Dollars in Thousands) |  | Agricultural |  |  | Construction |  |  | Mortgage |  |  | Residential |  |  | Equity |  |  | Consumer |  |  | Unallocated |  |  | Total |
2014 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Period-end amount |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Allocated to: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Loans Individually |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Evaluated for Impairment |  | $ | 293 |  |  | $ | — |  |  | $ | 2,733 |  |  | $ | 2,113 |  |  | $ | 638 |  |  | $ | 5 |  |  | $ | — |  |  | $ | 5,782 |
Loans Collectively |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Evaluated for Impairment |  |  | 491 |  |  |  | 843 |  |  |  | 2,554 |  |  |  | 4,407 |  |  |  | 2,244 |  |  |  | 1,218 |  |  |  | — |  |  |  | 11,757 |
Ending Balance |  | $ | 784 |  |  | $ | 843 |  |  | $ | 5,287 |  |  | $ | 6,520 |  |  | $ | 2,882 |  |  | $ | 1,223 |  |  | $ | — |  |  | $ | 17,539 |
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 |
2012 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Period-end amount |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Allocated to: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Loans Individually |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Evaluated for Impairment |  | $ | 210 |  |  | $ | 714 |  |  | $ | 6,641 |  |  | $ | 2,778 |  |  | $ | 546 |  |  | $ | 32 |  |  | $ | — |  |  | $ | 10,921 |
Loans Collectively |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Evaluated for Impairment |  |  | 1,043 |  |  |  | 2,142 |  |  |  | 4,440 |  |  |  | 5,900 |  |  |  | 2,399 |  |  |  | 1,295 |  |  |  | 1,027 |  |  |  | 18,246 |
Ending Balance |  | $ | 1,253 |  |  | $ | 2,856 |  |  | $ | 11,081 |  |  | $ | 8,678 |  |  | $ | 2,945 |  |  | $ | 1,327 |  |  | $ | 1,027 |  |  | $ | 29,167 |
Schedule of allowance for loan losses by portfolio class | The Company’s recorded investment in loans as of December 31 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:
|  | Commercial, |  |  |  |  |  | Real Estate |  |  |  |  |  | Real Estate |  |  |  |  |  |  |  |  |  |
|  | Financial, |  |  | Real Estate |  |  | Commercial |  |  | Real Estate |  |  | Home |  |  |  |  |  |  |  |  |  |
(Dollars in Thousands) |  | Agricultural |  |  | Construction |  |  | Mortgage |  |  | Residential |  |  | Equity |  |  | Consumer |  |  | Unallocated |  |  | Total |
2014 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Individually Evaluated for |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Impairment |  | $ | 1,040 |  |  | $ | 401 |  |  | $ | 32,242 |  |  | $ | 20,120 |  |  | $ | 3,074 |  |  | $ | 216 |  |  | $ | — |  |  | $ | 57,093 |
Collectively Evaluated for |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Impairment |  |  | 135,885 |  |  |  | 41,195 |  |  |  | 477,878 |  |  |  | 275,849 |  |  |  | 226,498 |  |  |  | 216,976 |  |  |  | — |  |  |  | 1,374,281 |
Total |  | $ | 136,925 |  |  | $ | 41,596 |  |  | $ | 510,120 |  |  | $ | 295,969 |  |  | $ | 229,572 |  |  | $ | 217,192 |  |  | $ | — |  |  | $ | 1,431,374 |
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 |
2012 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Individually Evaluated for |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Impairment |  | $ | 2,325 |  |  | $ | 4,232 |  |  | $ | 74,650 |  |  | $ | 23,030 |  |  | $ | 3,858 |  |  | $ | 687 |  |  | $ | — |  |  | $ | 108,782 |
Collectively Evaluated for |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Impairment |  |  | 137,525 |  |  |  | 33,280 |  |  |  | 538,975 |  |  |  | 298,956 |  |  |  | 232,405 |  |  |  | 157,190 |  |  |  | — |  |  |  | 1,398,331 |
Total |  | $ | 139,850 |  |  | $ | 37,512 |  |  | $ | 613,625 |  |  | $ | 321,986 |  |  | $ | 236,263 |  |  | $ | 157,877 |  |  | $ | — |  |  | $ | 1,507,113 |
Schedule of loans individually evaluated for impairment by class of loans | The following table presents loans individually evaluated for impairment by class of loans at December 31:
(Dollars in Thousands) |  | Unpaid Principal Balance |  |  | Recorded Investment With No Allowance |  |  | Recorded Investment With Allowance |  |  | Related Allowance |
2014 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial, Financial and Agricultural |  | $ | 1,040 |  |  | $ | 189 |  |  | $ | 851 |  |  | $ | 293 |
Real Estate – Construction |  |  | 401 |  |  |  | 401 |  |  |  | — |  |  |  | — |
Real Estate – Commercial Mortgage |  |  | 32,242 |  |  |  | 11,984 |  |  |  | 20,258 |  |  |  | 2,733 |
Real Estate – Residential |  |  | 20,120 |  |  |  | 5,492 |  |  |  | 14,628 |  |  |  | 2,113 |
Real Estate – Home Equity |  |  | 3,074 |  |  |  | 758 |  |  |  | 2,316 |  |  |  | 638 |
Consumer |  |  | 216 |  |  |  | 3 |  |  |  | 213 |  |  |  | 5 |
Total |  | $ | 57,093 |  |  | $ | 18,827 |  |  | $ | 38,266 |  |  | $ | 5,782 |
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 |
Schedule of Average recorded investment and interest income recognized by class of impaired loans | The following table summarizes the average recorded investment and interest income recognized for each of the last three years by class of impaired loans:
|  | 2014 |  |  | 2013 |  |  | 2012 |
(Dollars in Thousands) |  | Average Recorded Investment |  |  | Total Interest Income |  |  | Average Recorded Investment |  |  | Total Interest Income |  |  | Average Recorded Investment |  |  | Total Interest Income |
Commercial, Financial and Agricultural |  | $ | 1,175 |  |  | $ | 62 |  |  | $ | 2,861 |  |  | $ | 140 |  |  | $ | 2,018 |  |  | $ | 81 |
Real Estate – Construction |  |  | 471 |  |  |  | 4 |  |  |  | 1,181 |  |  |  | 7 |  |  |  | 4,443 |  |  |  | 70 |
Real Estate – Commercial Mortgage |  |  | 30,760 |  |  |  | 1,725 |  |  |  | 60,043 |  |  |  | 2,062 |  |  |  | 70,701 |  |  |  | 2,113 |
Real Estate – Residential |  |  | 16,394 |  |  |  | 1,070 |  |  |  | 21,238 |  |  |  | 860 |  |  |  | 28,680 |  |  |  | 853 |
Real Estate – Home Equity |  |  | 2,329 |  |  |  | 72 |  |  |  | 4,037 |  |  |  | 72 |  |  |  | 3,540 |  |  |  | 95 |
Consumer |  |  | 215 |  |  |  | 9 |  |  |  | 501 |  |  |  | 10 |  |  |  | 229 |  |  |  | 3 |
Total |  | $ | 51,344 |  |  | $ | 2,942 |  |  | $ | 89,861 |  |  | $ | 3,151 |  |  | $ | 109,611 |  |  | $ | 3,215 |
Schedule of risk category of loans by segment | The following table presents the risk category of loans by segment at December 31:
|  | Commercial, |  |  |  |  |  |  |  |  |  |
|  | Financial, |  |  | Real Estate |  |  | Consumer |  |  | Total Criticized |
(Dollars in Thousands) |  | Agriculture |  |  |  |  |  |  |  |  | Loans |
2014 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Special Mention |  | $ | 8,059 |  |  | $ | 51,060 |  |  | $ | 114 |  |  | $ | 59,233 |
Substandard |  |  | 2,817 |  |  |  | 79,167 |  |  |  | 1,153 |  |  |  | 83,137 |
Doubtful |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Total Criticized Loans |  | $ | 10,876 |  |  | $ | 130,227 |  |  | $ | 1,267 |  |  | $ | 142,370 |
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 |
Schedule of troubled debt restructurings loans | The following table presents loans classified as TDRs at December 31:
|  | 2014 |  |  | 2013 |
(Dollars in Thousands) |  | Accruing |  |  | Nonaccruing |  |  | Accruing |  |  | Nonaccruing |
Commercial, Financial and Agricultural |  | $ | 838 |  |  | $ | 266 |  |  | $ | 1,511 |  |  | $ | — |
Real Estate – Construction |  |  | — |  |  |  | — |  |  |  | 156 |  |  |  | — |
Real Estate – Commercial Mortgage |  |  | 26,565 |  |  |  | — |  |  |  | 24,735 |  |  |  | 10,308 |
Real Estate – Residential |  |  | 14,940 |  |  |  | 1,622 |  |  |  | 16,441 |  |  |  | 458 |
Real Estate – Home Equity |  |  | 1,856 |  |  |  | 356 |  |  |  | 1,576 |  |  |  | 241 |
Consumer |  |  | 211 |  |  |  | — |  |  |  | 345 |  |  |  | — |
Total TDRs |  | $ | 44,410 |  |  | $ | 2,244 |  |  | $ | 44,764 |  |  | $ | 11,007
Schedule of loans classified as troubled debt in which modifications made | Loans classified as TDRs during 2014, 2013, and 2012 are presented in the table below. The modifications made during the reporting period involved either an extension of the loan term, a principal moratorium, a reduction in the interest rate, or a combination thereof. The financial impact of these modifications was not material.
|  | 2014 |  |  | 2013 |  |  | 2012 |
|  | Number |  |  |  |  |  | Number |  |  |  |  |  | Number |  |  |  |
|  | of |  |  | Recorded |  |  | of |  |  | Recorded |  |  | of |  |  | Recorded |
(Dollars in Thousands) |  | Contracts |  |  | Investment(1) |  |  | Contracts |  |  | Investment(1) |  |  | Contracts |  |  | Investment(1) |
Commercial, Financial and Agricultural |  |  | 3 |  |  | $ | 320 |  |  |  | 4 |  |  | $ | 337 |  |  |  | 12 |  |  | $ | 1,857 |
Real Estate – Construction |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 6 |  |  |  | 976 |
Real Estate – Commercial Mortgage |  |  | 3 |  |  |  | 1,769 |  |  |  | 13 |  |  |  | 9,653 |  |  |  | 54 |  |  |  | 16,011 |
Real Estate – Residential |  |  | 11 |  |  |  | 1,972 |  |  |  | 18 |  |  |  | 2,073 |  |  |  | 68 |  |  |  | 6,955 |
Real Estate – Home Equity |  |  | 10 |  |  |  | 883 |  |  |  | 9 |  |  |  | 587 |  |  |  | 19 |  |  |  | 731 |
Consumer |  |  | 1 |  |  |  | 34 |  |  |  | 6 |  |  |  | 93 |  |  |  | 60 |  |  |  | 656 |
Total TDRs |  |  | 28 |  |  | $ | 4,978 |  |  |  | 50 |  |  | $ | 12,743 |  |  |  | 219 |  |  | $ | 27,186 |
(1) Recorded investment reflects charge-offs and additional funds advanced at time of restructure, if applicable. The following table provides information on how TDRs were modified during the periods included.
|  | 2014 |  |  | 2013 |  |  | 2012 |
|  | Number |  |  | Post-Modified |  |  | Number |  |  | Post-Modified |  |  | Number |  |  | Post-Modified |
|  | of |  |  | Recorded |  |  | of |  |  | Recorded |  |  | of |  |  | Recorded |
(Dollars in Thousands) |  | Contracts |  |  | Investment |  |  | Contracts |  |  | Investment |  |  | Contracts |  |  | Investment |
Extended Amortization |  |  | 10 |  |  | $ | 1,894 |  |  |  | 15 |  |  |  | 4,334 |  |  |  | 33 |  |  |  | 8,080 |
Interest Rate Adjustment |  |  | 1 |  |  |  | 156 |  |  |  | 9 |  |  |  | 982 |  |  |  | 1 |  |  |  | 158 |
Extended Amortization and |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Interest Rate Adjustment |  |  | 8 |  |  |  | 1,179 |  |  |  | 17 |  |  |  | 5,381 |  |  |  | 53 |  |  |  | 10,027 |
Principal Moratorium |  |  | — |  |  |  | — |  |  |  | 1 |  |  |  | 1,700 |  |  |  |  |  |  |  | — |
Other |  |  | 9 |  |  |  | 1,749 |  |  |  | 8 |  |  |  | 346 |  |  |  | 132 |  |  |  | 8,921 |
Total TDRs |  |  | 28 |  |  | $ | 4,978 |  |  |  | 50 |  |  | $ | 12,743 |  |  |  | 219 |  |  | $ | 27,186
Schedule of loans classified as troubled debt subsequently defaulted | The following table presents loans classified as TDRs for which there was a payment default during the years presented and the loans were modified within the twelve months prior to default.
|  | 2014 |  |  | 2013 |  |  | 2012 |
|  | Number |  |  |  |  |  | Number |  |  |  |  |  | Number |  |  |  |
|  | of |  |  | Recorded |  |  | of |  |  | Recorded |  |  | of |  |  | Recorded |
(Dollars in Thousands) |  | Contracts |  |  | Investment(1) |  |  | Contracts |  |  | Investment(1) |  |  | Contracts |  |  | Investment(1) |
Commercial, Financial and Agricultural |  |  | — |  |  | $ | — |  |  |  | — |  |  | $ | — |  |  |  | — |  |  | $ | — |
Real Estate – Construction |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 4 |  |  |  | 713 |
Real Estate – Commercial Mortgage |  |  | 1 |  |  |  | 60 |  |  |  | 1 |  |  |  | 73 |  |  |  | 3 |  |  |  | 1,001 |
Real Estate – Residential |  |  | 2 |  |  |  | 177 |  |  |  | — |  |  |  | — |  |  |  | 7 |  |  |  | 1,906 |
Real Estate – Home Equity |  |  | 1 |  |  |  | 153 |  |  |  | 1 |  |  |  | 50 |  |  |  | — |  |  |  | — |
Consumer |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 1 |  |  |  | 2 |
Total TDRs |  |  | 4 |  |  | $ | 390 |  |  |  | 2 |  |  | $ | 123 |  |  |  | 15 |  |  | $ | 3,622 |
| (1) | Recorded investment reflects charge-offs and additional funds advanced at time of restructure, if applicable.

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