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ALLOWANCE FOR LOAN LOSSES: (Tables) | 12 Months Ended
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Dec. 31, 2012
Allowance For Loan Losses Disclosure [Abstract] |
Schedule of allowances for loan losses by portfolio segment | The following table presents the activity of the allowance for loan losses by portfolio segment for the years ended December 31, 2012 and 2011.
Allowance for Loan Losses: |  |  |  |  | December 31, 2012 |  |  |  |
(Dollar amounts in thousands) |  | Commercial |  |  | Residential |  |  | Consumer |  |  | Unallocated |  |  | Total |
Beginning balance |  | $ | 12,119 |  |  | $ | 2,728 |  |  | $ | 3,889 |  |  | $ | 505 |  |  | $ | 19,241 |
Provision for loan losses* |  |  | 2,400 |  |  |  | 5,196 |  |  |  | 2,243 |  |  |  | 1,161 |  |  |  | 11,000 |
Loans charged -off |  |  | (4,176 | ) |  |  | (2,598 | ) |  |  | (3,640 | ) |  |  | - |  |  |  | (10,414 | )
Recoveries |  |  | 644 |  |  |  | 100 |  |  |  | 1,387 |  |  |  | - |  |  |  | 2,131 |
Ending Balance |  | $ | 10,987 |  |  | $ | 5,426 |  |  | $ | 3,879 |  |  | $ | 1,666 |  |  | $ | 21,958 |
* Provision before decrease of $2.2 million in 2012 for increase in FDIC indemnification asset
Allowance for Loan Losses: |  |  |  |  | December 31, 2011 |  |  |  |
(Dollar amounts in thousands) |  | Commercial |  |  | Residential |  |  | Consumer |  |  | Unallocated |  |  | Total |
Beginning balance |  | $ | 12,809 |  |  | $ | 2,873 |  |  | $ | 4,551 |  |  | $ | 2,103 |  |  | $ | 22,336 |
Provision for loan losses* |  |  | 3,708 |  |  |  | 2,571 |  |  |  | 1,199 |  |  |  | (1,598 | ) |  |  | 5,880 |
Loans charged -off |  |  | (5,336 | ) |  |  | (2,811 | ) |  |  | (2,969 | ) |  |  | - |  |  |  | (11,116 | )
Recoveries |  |  | 938 |  |  |  | 95 |  |  |  | 1,108 |  |  |  | - |  |  |  | 2,141 |
Ending Balance |  | $ | 12,119 |  |  | $ | 2,728 |  |  | $ | 3,889 |  |  | $ | 505 |  |  | $ | 19,241 |
* Provision before decrease of $125 thousand in 2011 for increase in FDIC indemnification asset Changes in the allowance for loan losses for 2010 are summarized as follows:
|  | December 31, |
(Dollar amounts in thousands) |  | 2010 |
Balance at beginning of year |  | $ | 19,437 |
Provision for loan losses * |  |  | 10,862 |
Recoveries of loans previously charged off |  |  | 4,511 |
Loans charged off |  |  | (12,474 | )
BALANCE AT END OF YEAR |  | $ | 22,336 |
* In 2010 the provision charged to expense was reduced by $1.7 million for the increase to the FDIC Indemnification asset.
Allocation of the allowance for loan losses by portfolio segment based on the impairment method | The following tables present the allocation of the allowance for loan losses and the recorded investment in loans by portfolio segment and based on impairment method at December 31, 2012 and 2011:
Allowance for Loan Losses: |  |  |  |  | December 31, 2012 |  |  |  |  |  |  |
(Dollar amounts in thousands) |  | Commercial |  |  | Residential |  |  | Consumer |  |  | Unallocated |  |  | Total |
Individually evaluated for impairment |  | $ | 3,453 |  |  | $ | 3,920 |  |  | $ | - |  |  | $ | - |  |  | $ | 7,373 |
Collectively evaluated for impairment |  |  | 7,286 |  |  |  | 1,506 |  |  |  | 3,879 |  |  |  | 1,666 |  |  |  | 14,337 |
Acquired with deteriorated credit quality |  |  | 248 |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | 248 |
BALANCE AT END OF YEAR |  | $ | 10,987 |  |  | $ | 5,426 |  |  | $ | 3,879 |  |  | $ | 1,666 |  |  | $ | 21,958 |
Loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
(Dollar amounts in thousands) |  |  | Commercial |  |  |  | Residential |  |  |  | Consumer |  |  |  |  |  |  |  | Total |
Individually evaluated for impairment |  | $ | 23,721 |  |  | $ | 6,973 |  |  | $ | - |  |  |  |  |  |  | $ | 30,694 |
Collectively evaluated for impairment |  |  | 1,056,861 |  |  |  | 487,486 |  |  |  | 269,882 |  |  |  |  |  |  |  | 1,814,229 |
Acquired with deteriorated credit quality |  |  | 13,582 |  |  |  | 3,421 |  |  |  | 6 |  |  |  |  |  |  |  | 17,009 |
BALANCE AT END OF YEAR |  | $ | 1,094,164 |  |  | $ | 497,880 |  |  | $ | 269,888 |  |  |  |  |  |  | $ | 1,861,932 |
Allowance for Loan Losses: |  |  |  |  | December 31, 2011 |  |  |  |  |  |  |
(Dollar amounts in thousands) |  | Commercial |  |  | Residential |  |  | Consumer |  |  | Unallocated |  |  | Total |
Individually evaluated for impairment |  | $ | 3,071 |  |  | $ | 190 |  |  | $ | - |  |  | $ | - |  |  | $ | 3,261 |
Collectively evaluated for impairment |  |  | 8,264 |  |  |  | 2,183 |  |  |  | 3,889 |  |  |  | 505 |  |  |  | 14,841 |
Acquired with deteriorated credit quality |  |  | 784 |  |  |  | 355 |  |  |  | - |  |  |  | - |  |  |  | 1,139 |
BALANCE AT END OF YEAR |  | $ | 12,119 |  |  | $ | 2,728 |  |  | $ | 3,889 |  |  | $ | 505 |  |  | $ | 19,241 |
Loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
(Dollar amounts in thousands) |  |  | Commercial |  |  |  | Residential |  |  |  | Consumer |  |  |  |  |  |  |  | Total |
Individually evaluated for impairment |  | $ | 25,393 |  |  | $ | 2,213 |  |  | $ | - |  |  |  |  |  |  | $ | 27,606 |
Collectively evaluated for impairment |  |  | 1,036,963 |  |  |  | 492,139 |  |  |  | 291,190 |  |  |  |  |  |  |  | 1,820,292 |
Acquired with deteriorated credit quality |  |  | 43,389 |  |  |  | 12,986 |  |  |  | 11 |  |  |  |  |  |  |  | 56,386 |
BALANCE AT END OF YEAR |  | $ | 1,105,745 |  |  | $ | 507,338 |  |  | $ | 291,201 |  |  |  |  |  |  | $ | 1,904,284 |
Schedule of loans individually evaluated for impairment by class of loans | The following table presents loans individually evaluated for impairment by class of loan.
December 31, 2012 |  |  |  |  |  |  |  | Allowance |  |  |  |  |  |  |  |  | Cash Basis |
|  | Unpaid |  |  |  |  |  | for Loan |  |  | Average |  |  | Interest |  |  | Interest |
|  | Principal |  |  | Recorded |  |  | Losses |  |  | Recorded |  |  | Income |  |  | Income |
|  | Balance |  |  | Investment |  |  | Allocated |  |  | Investment |  |  | Recognized |  |  | Recognized |
With no related allowance recorded: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial & Industrial |  | $ | - |  |  | $ | - |  |  | $ | - |  |  | $ | 1,013 |  |  | $ | - |  |  | $ | - |
Farmland |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |
Non Farm, Non Residential |  |  | - |  |  |  | - |  |  |  | - |  |  |  | 1,679 |  |  |  | - |  |  |  | - |
Agriculture |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |
All Other Commercial |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |
Residential |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
First Liens |  |  | - |  |  |  | - |  |  |  | - |  |  |  | 150 |  |  |  | - |  |  |  | - |
Home Equity |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |
Junior Liens |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |
Multifamily |  |  | - |  |  |  | - |  |  |  | - |  |  |  | 50 |  |  |  | - |  |  |  | - |
All Other Residential |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |
Consumer |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Motor Vehicle |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |
All Other Consumer |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |
With an allowance recorded: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial & Industrial |  |  | 17,262 |  |  |  | 17,098 |  |  |  | 3,153 |  |  |  | 16,738 |  |  |  | - |  |  |  | - |
Farmland |  |  | 891 |  |  |  | 891 |  |  |  | 191 |  |  |  | 891 |  |  |  | - |  |  |  | - |
Non Farm, Non Residential |  |  | 7,438 |  |  |  | 7,386 |  |  |  | 293 |  |  |  | 5,000 |  |  |  | 179 |  |  |  | - |
Agriculture |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |
All Other Commercial |  |  | 1,209 |  |  |  | 1,209 |  |  |  | 52 |  |  |  | 1,362 |  |  |  | - |  |  |  | - |
Residential |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
First Liens |  |  | 1,254 |  |  |  | 1,254 |  |  |  | 126 |  |  |  | 1,230 |  |  |  | - |  |  |  | - |
Home Equity |  |  | 179 |  |  |  | 179 |  |  |  | - |  |  |  | 75 |  |  |  | - |  |  |  | - |
Junior Liens |  |  | - |  |  |  | - |  |  |  | - |  |  |  | 176 |  |  |  | - |  |  |  | - |
Multifamily |  |  | 5,540 |  |  |  | 5,540 |  |  |  | 3,794 |  |  |  | 2,216 |  |  |  | - |  |  |  | - |
All Other Residential |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |
Consumer |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Motor Vehicle |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |
All Other Consumer |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |
TOTAL |  | $ | 33,773 |  |  | $ | 33,557 |  |  | $ | 7,609 |  |  | $ | 30,580 |  |  | $ | 179 |  |  | $ | - |
For 2012, the unpaid principal balance has not been reduced for partial charge-offs.
December 31, 2011 |  |  |  |  |  |  |  | Allowance |  |  |  |  |  |  |  |  | Cash Basis |
|  | Unpaid |  |  |  |  |  | for Loan |  |  | Average |  |  | Interest |  |  | Interest |
|  | Principal |  |  | Recorded |  |  | Losses |  |  | Recorded |  |  | Income |  |  | Income |
|  | Balance |  |  | Investment |  |  | Allocated |  |  | Investment |  |  | Recognized |  |  | Recognized |
With no related allowance recorded: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial & Industrial |  | $ | - |  |  | $ | - |  |  | $ | - |  |  | $ | 1,929 |  |  | $ | 165 |  |  | $ | - |
Farmland |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |
Non Farm, Non Residential |  |  | 4,444 |  |  |  | 4,444 |  |  |  | - |  |  |  | 3,262 |  |  |  | - |  |  |  | - |
Agriculture |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |
All Other Commercial |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |
Residential |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
First Liens |  |  | 750 |  |  |  | 750 |  |  |  | - |  |  |  | 150 |  |  |  | - |  |  |  | - |
Home Equity |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |
Junior Liens |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |
Multifamily |  |  | 250 |  |  |  | 250 |  |  |  | - |  |  |  | 50 |  |  |  | - |  |  |  | - |
All Other Residential |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |
Consumer |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Motor Vehicle |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |
All Other Consumer |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |
With an allowance recorded: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial & Industrial |  |  | 17,890 |  |  |  | 17,866 |  |  |  | 2,664 |  |  |  | 16,746 |  |  |  | - |  |  |  | - |
Farmland |  |  | 891 |  |  |  | 891 |  |  |  | 49 |  |  |  | 360 |  |  |  | - |  |  |  | - |
Non Farm, Non Residential |  |  | 4,816 |  |  |  | 4,816 |  |  |  | 957 |  |  |  | 8,717 |  |  |  | - |  |  |  | - |
Agriculture |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |
All Other Commercial |  |  | 1,517 |  |  |  | 1,517 |  |  |  | 66 |  |  |  | 1,671 |  |  |  | - |  |  |  | - |
Residential |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
First Liens |  |  | 1,213 |  |  |  | 1,213 |  |  |  | 190 |  |  |  | 2,014 |  |  |  | - |  |  |  | - |
Home Equity |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |
Junior Liens |  |  | 879 |  |  |  | 879 |  |  |  | 347 |  |  |  | 937 |  |  |  | - |  |  |  | - |
Multifamily |  |  | - |  |  |  | - |  |  |  | - |  |  |  | 510 |  |  |  | - |  |  |  | - |
All Other Residential |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |
Consumer |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Motor Vehicle |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |
All Other Consumer |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |
TOTAL |  | $ | 32,650 |  |  | $ | 32,626 |  |  | $ | 4,273 |  |  | $ | 36,346 |  |  | $ | 165 |  |  | $ | - |
For 2011, the unpaid principal balance has been reduced for partial charge-offs.
(Dollar amounts in thousands) |  | 2010 |
Average of impaired loans during the year |  | $ | 27,772 |
Interest income recognized during impairment |  |  | 660 |
Cash-basis interest income recognized |  |  | 57 |
Schedule of non-performing loans | The following table presents the recorded investment in nonperforming loans by class of loans.
|  | Loans Past |  |  |  |  |  |  |  |  | Loans Past |  |  |  |  |  |  |
|  | Due Over |  |  |  |  |  | Due Over |  |  |  |
|  | 90 Day Still |  |  | December 31, 2012 |  |  | 90 Day Still |  |  | December 31, 2011 |
(Dollar amounts in thousands) |  | Accruing |  |  | Restructured |  |  | Nonaccrual |  |  | Accruing |  |  | Restructured |  |  | Nonaccrual |
Commercial |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial & Industrial |  | $ | 724 |  |  | $ | 11,573 |  |  | $ | 9,360 |  |  | $ | 317 |  |  | $ | 12,590 |  |  | $ | 9,673 |
Farmland |  |  | 231 |  |  |  | - |  |  |  | 907 |  |  |  | 74 |  |  |  | - |  |  |  | 979 |
Non Farm, Non Residential |  |  | 491 |  |  |  | 4,836 |  |  |  | 6,718 |  |  |  | 237 |  |  |  | - |  |  |  | 12,542 |
Agriculture |  |  | 69 |  |  |  | - |  |  |  | 104 |  |  |  | - |  |  |  | - |  |  |  | 225 |
All Other Commercial |  |  | - |  |  |  | - |  |  |  | 4,811 |  |  |  | - |  |  |  | - |  |  |  | 3,171 |
Residential |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
First Liens |  |  | 1,237 |  |  |  | 4,126 |  |  |  | 6,852 |  |  |  | 1,150 |  |  |  | 3,856 |  |  |  | 7,398 |
Home Equity |  |  | 24 |  |  |  | - |  |  |  | 196 |  |  |  | 8 |  |  |  | - |  |  |  | - |
Junior Liens |  |  | 538 |  |  |  | - |  |  |  | 405 |  |  |  | 154 |  |  |  | 898 |  |  |  | 1,240 |
Multifamily |  |  | 101 |  |  |  | - |  |  |  | 5,598 |  |  |  | - |  |  |  | - |  |  |  | 668 |
All Other Residential |  |  | - |  |  |  | - |  |  |  | 150 |  |  |  | 136 |  |  |  | - |  |  |  | 171 |
Consumer |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Motor Vehicle |  |  | 133 |  |  |  | 685 |  |  |  | 174 |  |  |  | 77 |  |  |  | - |  |  |  | 294 |
All Other Consumer |  |  | 3 |  |  |  | 16 |  |  |  | 1,519 |  |  |  | 4 |  |  |  | - |  |  |  | 1,741 |
TOTAL |  | $ | 3,551 |  |  | $ | 21,236 |  |  | $ | 36,794 |  |  | $ | 2,157 |  |  | $ | 17,344 |  |  | $ | 38,102 |
Aging of recorded investment in loans by past due category and class of loans | The following table presents the aging of the recorded investment in loans by past due category and class of loans.
|  |  |  |  |  |  |  | Greater |  |  |  |  |  |  |  |  |  |
December 31, 2012 |  | 30-59 Days |  |  | 60-89 Days |  |  | than 90 days |  |  | Total |  |  |  |  |  |  |
(Dollar amounts in thousands) |  | Past Due |  |  | Past Due |  |  | Past Due |  |  | Past Due |  |  | Current |  |  | Total |
Commercial |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial & Industrial |  | $ | 1,315 |  |  | $ | 861 |  |  | $ | 3,616 |  |  | $ | 5,792 |  |  | $ | 487,160 |  |  | $ | 492,952 |
Farmland |  |  | 534 |  |  |  | - |  |  |  | 1,122 |  |  |  | 1,656 |  |  |  | 87,270 |  |  |  | 88,926 |
Non Farm, Non Residential |  |  | 5,618 |  |  |  | 1,004 |  |  |  | 2,449 |  |  |  | 9,071 |  |  |  | 290,023 |  |  |  | 299,094 |
Agriculture |  |  | 137 |  |  |  | - |  |  |  | 78 |  |  |  | 215 |  |  |  | 130,404 |  |  |  | 130,619 |
All Other Commercial |  |  | 568 |  |  |  | 202 |  |  |  | 350 |  |  |  | 1,120 |  |  |  | 81,453 |  |  |  | 82,573 |
Residential |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
First Liens |  |  | 8,359 |  |  |  | 1,659 |  |  |  | 4,599 |  |  |  | 14,617 |  |  |  | 336,230 |  |  |  | 350,847 |
Home Equity |  |  | 143 |  |  |  | 15 |  |  |  | 24 |  |  |  | 182 |  |  |  | 43,317 |  |  |  | 43,499 |
Junior Liens |  |  | 555 |  |  |  | 98 |  |  |  | 586 |  |  |  | 1,239 |  |  |  | 36,535 |  |  |  | 37,774 |
Multifamily |  |  | 52 |  |  |  | - |  |  |  | 5,641 |  |  |  | 5,693 |  |  |  | 49,019 |  |  |  | 54,712 |
All Other Residential |  |  | 214 |  |  |  | - |  |  |  | - |  |  |  | 214 |  |  |  | 10,834 |  |  |  | 11,048 |
Consumer |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Motor Vehicle |  |  | 4,164 |  |  |  | 600 |  |  |  | 182 |  |  |  | 4,946 |  |  |  | 241,303 |  |  |  | 246,249 |
All Other Consumer |  |  | 225 |  |  |  | 93 |  |  |  | 3 |  |  |  | 321 |  |  |  | 23,318 |  |  |  | 23,639 |
TOTAL |  | $ | 21,884 |  |  | $ | 4,532 |  |  | $ | 18,650 |  |  | $ | 45,066 |  |  | $ | 1,816,866 |  |  | $ | 1,861,932 |
|  |  |  |  |  |  |  | Greater |  |  |  |  |  |  |  |  |  |
December 31, 2011 |  | 30-59 Days |  |  | 60-89 Days |  |  | than 90 days |  |  | Total |  |  |  |  |  |  |
(Dollar amounts in thousands) |  | Past Due |  |  | Past Due |  |  | Past Due |  |  | Past Due |  |  | Current |  |  | Total |
Commercial |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial & Industrial |  | $ | 2,717 |  |  | $ | 740 |  |  | $ | 4,452 |  |  | $ | 7,909 |  |  | $ | 472,370 |  |  | $ | 480,279 |
Farmland |  |  | 5 |  |  |  | 57 |  |  |  | 1,034 |  |  |  | 1,096 |  |  |  | 98,159 |  |  |  | 99,255 |
Non Farm, Non Residential |  |  | 2,945 |  |  |  | 420 |  |  |  | 7,754 |  |  |  | 11,119 |  |  |  | 310,724 |  |  |  | 321,843 |
Agriculture |  |  | 88 |  |  |  | - |  |  |  | 97 |  |  |  | 185 |  |  |  | 114,162 |  |  |  | 114,347 |
All Other Commercial |  |  | 120 |  |  |  | - |  |  |  | 1,588 |  |  |  | 1,708 |  |  |  | 88,313 |  |  |  | 90,021 |
Residential |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
First Liens |  |  | 11,435 |  |  |  | 2,016 |  |  |  | 5,316 |  |  |  | 18,767 |  |  |  | 340,269 |  |  |  | 359,036 |
Home Equity |  |  | 175 |  |  |  | 62 |  |  |  | 8 |  |  |  | 245 |  |  |  | 44,939 |  |  |  | 45,184 |
Junior Liens |  |  | 1,333 |  |  |  | 183 |  |  |  | 190 |  |  |  | 1,706 |  |  |  | 39,903 |  |  |  | 41,609 |
Multifamily |  |  | - |  |  |  | 100 |  |  |  | 668 |  |  |  | 768 |  |  |  | 46,216 |  |  |  | 46,984 |
All Other Residential |  |  | 128 |  |  |  | - |  |  |  | 136 |  |  |  | 264 |  |  |  | 14,261 |  |  |  | 14,525 |
Consumer |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Motor Vehicle |  |  | 3,450 |  |  |  | 563 |  |  |  | 77 |  |  |  | 4,090 |  |  |  | 260,102 |  |  |  | 264,192 |
All Other Consumer |  |  | 174 |  |  |  | 48 |  |  |  | 5 |  |  |  | 227 |  |  |  | 26,782 |  |  |  | 27,009 |
TOTAL |  | $ | 22,570 |  |  | $ | 4,189 |  |  | $ | 21,325 |  |  | $ | 48,084 |  |  | $ | 1,856,200 |  |  | $ | 1,904,284 |
Analysis of risk category of loans by class of loans | As of December 31, 2012, and based on the most recent analysis performed, the risk category of loans by class of loans is as follows:
December 31, 2012 |  |  |  |  | Special |  |  |  |  |  |  |  |  |  |  |  |  |
(Dollar amounts in thousands) |  | Pass |  |  | Mention |  |  | Substandard |  |  | Doubtful |  |  | Not Rated |  |  | Total |
Commercial |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial & Industrial |  | $ | 414,680 |  |  | $ | 31,368 |  |  | $ | 31,442 |  |  | $ | 7,138 |  |  | $ | 7,025 |  |  | $ | 491,653 |
Farmland |  |  | 81,977 |  |  |  | 2,718 |  |  |  | 1,616 |  |  |  | - |  |  |  | 805 |  |  |  | 87,116 |
Non Farm, Non Residential |  |  | 249,614 |  |  |  | 25,764 |  |  |  | 22,038 |  |  |  | 831 |  |  |  | 42 |  |  |  | 298,289 |
Agriculture |  |  | 119,789 |  |  |  | 8,921 |  |  |  | 134 |  |  |  | - |  |  |  | 62 |  |  |  | 128,906 |
All Other Commercial |  |  | 69,952 |  |  |  | 132 |  |  |  | 11,239 |  |  |  | 54 |  |  |  | 803 |  |  |  | 82,180 |
Residential |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
First Liens |  |  | 113,360 |  |  |  | 8,986 |  |  |  | 11,516 |  |  |  | 689 |  |  |  | 215,034 |  |  |  | 349,585 |
Home Equity |  |  | 13,035 |  |  |  | 469 |  |  |  | 1,631 |  |  |  | 23 |  |  |  | 28,267 |  |  |  | 43,425 |
Junior Liens |  |  | 10,419 |  |  |  | 50 |  |  |  | 515 |  |  |  | 70 |  |  |  | 26,575 |  |  |  | 37,629 |
Multifamily |  |  | 42,719 |  |  |  | 3,328 |  |  |  | 8,481 |  |  |  | 59 |  |  |  | - |  |  |  | 54,587 |
All Other Residential |  |  | 2,840 |  |  |  | - |  |  |  | 35 |  |  |  | - |  |  |  | 8,136 |  |  |  | 11,011 |
Consumer |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Motor Vehicle |  |  | 11,695 |  |  |  | 262 |  |  |  | 311 |  |  |  | 25 |  |  |  | 232,727 |  |  |  | 245,020 |
All Other Consumer |  |  | 4,614 |  |  |  | 73 |  |  |  | 104 |  |  |  | 21 |  |  |  | 18,675 |  |  |  | 23,487 |
TOTAL |  | $ | 1,134,694 |  |  | $ | 82,071 |  |  | $ | 89,062 |  |  | $ | 8,910 |  |  | $ | 538,151 |  |  | $ | 1,852,888 |
December 31, 2011 |  |  |  |  | Special |  |  |  |  |  |  |  |  |  |  |  |  |
(Dollar amounts in thousands) |  | Pass |  |  | Mention |  |  | Substandard |  |  | Doubtful |  |  | Not Rated |  |  | Total |
Commercial |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial & Industrial |  | $ | 386,734 |  |  | $ | 25,343 |  |  | $ | 53,026 |  |  | $ | 7,128 |  |  | $ | 6,717 |  |  | $ | 478,948 |
Farmland |  |  | 89,213 |  |  |  | 4,250 |  |  |  | 3,015 |  |  |  | 69 |  |  |  | 619 |  |  |  | 97,166 |
Non Farm, Non Residential |  |  | 254,761 |  |  |  | 28,684 |  |  |  | 32,704 |  |  |  | 4,271 |  |  |  | 393 |  |  |  | 320,813 |
Agriculture |  |  | 109,869 |  |  |  | 2,100 |  |  |  | 623 |  |  |  | 79 |  |  |  | 122 |  |  |  | 112,793 |
All Other Commercial |  |  | 77,330 |  |  |  | 6,097 |  |  |  | 5,099 |  |  |  | 67 |  |  |  | 1,011 |  |  |  | 89,604 |
Residential |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
First Liens |  |  | 113,234 |  |  |  | 5,175 |  |  |  | 19,895 |  |  |  | 1,318 |  |  |  | 218,118 |  |  |  | 357,740 |
Home Equity |  |  | 13,613 |  |  |  | 520 |  |  |  | 671 |  |  |  | 19 |  |  |  | 30,278 |  |  |  | 45,101 |
Junior Liens |  |  | 11,887 |  |  |  | 714 |  |  |  | 783 |  |  |  | 968 |  |  |  | 27,105 |  |  |  | 41,457 |
Multifamily |  |  | 35,837 |  |  |  | 3,911 |  |  |  | 6,224 |  |  |  | 606 |  |  |  | 258 |  |  |  | 46,836 |
All Other Residential |  |  | 4,658 |  |  |  | 445 |  |  |  | 53 |  |  |  | - |  |  |  | 9,310 |  |  |  | 14,466 |
Consumer |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Motor Vehicle |  |  | 12,988 |  |  |  | 330 |  |  |  | 501 |  |  |  | 59 |  |  |  | 249,018 |  |  |  | 262,896 |
All Other Consumer |  |  | 6,120 |  |  |  | 57 |  |  |  | 141 |  |  |  | 12 |  |  |  | 20,491 |  |  |  | 26,821 |
TOTAL |  | $ | 1,116,244 |  |  | $ | 77,626 |  |  | $ | 122,735 |  |  | $ | 14,596 |  |  | $ | 563,440 |  |  | $ | 1,894,641 |

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