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Allowance for Loan Losses (Tables) | 3 Months Ended
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Mar. 31, 2013
Allowance For Loan Losses Disclosure [Abstract] |
Schedule of allowances for loan losses by portfolio segment | The following tables present the activity of the allowance for loan losses by portfolio segment at March 31.
Allowance for Loan Losses: |  | March 31, 2013 |
(Dollar amounts in thousands) |  | Commercial |  |  | Residential |  |  | Consumer |  |  | Unallocated |  |  | Total |
Beginning balance |  | $ | 10,987 |  |  | $ | 5,426 |  |  | $ | 3,879 |  |  | $ | 1,666 |  |  | $ | 21,958 |
Provision for loan losses* |  |  | 1,264 |  |  |  | 197 |  |  |  | 233 |  |  |  | 581 |  |  |  | 2,275 |
Loans charged -off |  |  | (450 | ) |  |  | (272 | ) |  |  | (1,026 | ) |  |  | - |  |  |  | (1,748 | )
Recoveries |  |  | 2,343 |  |  |  | 49 |  |  |  | 395 |  |  |  | - |  |  |  | 2,787 |
Ending Balance |  | $ | 14,144 |  |  | $ | 5,400 |  |  | $ | 3,481 |  |  | $ | 2,247 |  |  | $ | 25,272 |
* Provision before increase of $746 thousand in 2012 for decrease in FDIC indemnification asset
Allowance for Loan Losses: |  | March 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* |  |  | 997 |  |  |  | 683 |  |  |  | 319 |  |  |  | 461 |  |  |  | 2,460 |
Loans charged -off |  |  | (1,858 | ) |  |  | (1,336 | ) |  |  | (783 | ) |  |  | - |  |  |  | (3,977 | )
Recoveries |  |  | 190 |  |  |  | 17 |  |  |  | 381 |  |  |  | - |  |  |  | 588 |
Ending Balance |  | $ | 11,448 |  |  | $ | 2,092 |  |  | $ | 3,806 |  |  | $ | 966 |  |  | $ | 18,312 |
* Provision before increase of $496 thousand in 2012 for decrease in FDIC indemnification asset
Allocation of the allowance for loan losses by portfolio segment based on the impairment method | The following table presents the allocation of the allowance for loan losses and the recorded investment in loans by portfolio segment and based on the impairment method at March 31, 2013 and December 31, 2012.
Ending Balance Attributable to Loans: |  | March 31, 2013 |
(Dollar amounts in thousands) |  | Commercial |  |  | Residential |  |  | Consumer |  |  | Unallocated |  |  | Total |
Individually evaluated for impairment |  |  | 6,610 |  |  |  | 3,920 |  |  |  | - |  |  |  | - |  |  |  | 10,530 |
Collectively evaluated for impairment |  |  | 6,320 |  |  |  | 1,361 |  |  |  | 3,481 |  |  |  | 2,247 |  |  |  | 13,409 |
Acquired with deteriorated credit quality |  |  | 1,214 |  |  |  | 119 |  |  |  | - |  |  |  | - |  |  |  | 1,333 |
Ending Balance |  | $ | 14,144 |  |  | $ | 5,400 |  |  | $ | 3,481 |  |  | $ | 2,247 |  |  | $ | 25,272 |
Loans: |  | March 31, 2013 |
(Dollar amounts in thousands) |  | Commercial |  |  | Residential |  |  | Consumer |  |  |  |  |  | Total |
Individually evaluated for impairment |  |  | 27,839 |  |  |  | 6,989 |  |  |  | - |  |  |  |  |  |  |  | 34,828 |
Collectively evaluated for impairment |  |  | 1,026,231 |  |  |  | 485,157 |  |  |  | 268,056 |  |  |  |  |  |  |  | 1,779,444 |
Acquired with deteriorated credit quality |  |  | 13,104 |  |  |  | 3,489 |  |  |  | 4 |  |  |  |  |  |  |  | 16,597 |
Ending Balance |  | $ | 1,067,174 |  |  | $ | 495,635 |  |  | $ | 268,060 |  |  |  |  |  |  | $ | 1,830,869 |
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 |
Ending Balance |  | $ | 10,987 |  |  | $ | 5,426 |  |  | $ | 3,879 |  |  | $ | 1,666 |  |  | $ | 21,958 |
Loans |  | December 31, 2012 |
(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 |
Ending Balance |  | $ | 1,094,164 |  |  | $ | 497,880 |  |  | $ | 269,888 |  |  |  |  |  |  | $ | 1,861,932 |
Schedule of loans individually evaluated for impairment by class of loans | The following tables present loans individually evaluated for impairment by class of loans.
|  | March 31, 2013 |
|  |  |  |  |  |  |  | Allowance |  |  |  |  |  |  |  |  |  |
|  | Unpaid |  |  |  |  |  | for Loan |  |  | Average |  |  | Interest |  |  | Cash Basis |
|  | Principal |  |  | Recorded |  |  | Losses |  |  | Recorded |  |  | Income |  |  | Interest |
(Dollar amounts in thousands) |  | Balance |  |  | Investment |  |  | Allocated |  |  | Investment |  |  | Recognized |  |  | Recognized |
With no related allowance recorded: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial & Industrial |  | $ | 563 |  |  | $ | 399 |  |  | $ | - |  |  | $ | 200 |  |  | $ | - |  |  | $ | - |
Farmland |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |
Non Farm, Non Residential |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |
Agriculture |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |
All Other Commercial |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |
Residential |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
First Liens |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |
Home Equity |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |
Junior Liens |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |
Multifamily |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |
All Other Residential |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |
Consumer |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Motor Vehicle |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |
All Other Consumer |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |
With an allowance recorded: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial & Industrial |  |  | 16,171 |  |  |  | 16,171 |  |  |  | 3,721 |  |  |  | 16,635 |  |  |  | - |  |  |  | - |
Farmland |  |  | 891 |  |  |  | 891 |  |  |  | 191 |  |  |  | 891 |  |  |  | - |  |  |  | - |
Non Farm, Non Residential |  |  | 8,710 |  |  |  | 8,644 |  |  |  | 1,500 |  |  |  | 8,015 |  |  |  | - |  |  |  | - |
Agriculture |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |
All Other Commercial |  |  | 4,326 |  |  |  | 4,326 |  |  |  | 1,297 |  |  |  | 2,768 |  |  |  | - |  |  |  | - |
Residential |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
First Liens |  |  | 1,253 |  |  |  | 1,253 |  |  |  | 126 |  |  |  | 1,254 |  |  |  | - |  |  |  | - |
Home Equity |  |  | 196 |  |  |  | 196 |  |  |  | - |  |  |  | 188 |  |  |  | - |  |  |  | - |
Junior Liens |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |
Multifamily |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |
All Other Residential |  |  | 5,540 |  |  |  | 5,540 |  |  |  | 3,794 |  |  |  | 5,540 |  |  |  | - |  |  |  | - |
Consumer |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Motor Vehicle |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |
All Other Consumer |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |
TOTAL |  | $ | 37,650 |  |  | $ | 37,420 |  |  | $ | 10,629 |  |  | $ | 35,491 |  |  | $ | - |  |  | $ | - |
|  | December 31, 2012 |
|  |  |  |  |  |  |  | Allowance |  |  |  |  |  |  |  |  | Cash Basis |
|  | Unpaid |  |  |  |  |  | for Loan |  |  | Average |  |  | Interest |  |  | Interest |
|  | Principal |  |  | Recorded |  |  | Losses |  |  | Recorded |  |  | Income |  |  | Income |
(Dollar amounts in thousands) |  | 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 |  |  | $ | - |
Schedule of non-performing loans | The table below presents non-performing loans.
|  | March 31, 2013 |
|  | Loans Past |  |  |  |  |  |  |
|  | Due Over |  |  |  |  |  |  |
|  | 90 Day Still |  |  |  |  |  |  |
(Dollar amounts in thousands) |  | Accruing |  |  | Restructured |  |  | Nonaccrual |
Commercial |  |  |  |  |  |  |  |  |  |  |  |
Commercial & Industrial |  | $ | 26 |  |  | $ | 11,283 |  |  | $ | 8,383 |
Farmland |  |  | 47 |  |  |  | - |  |  |  | 920 |
Non Farm, Non Residential |  |  | 385 |  |  |  | 4,787 |  |  |  | 8,475 |
Agriculture |  |  | - |  |  |  | - |  |  |  | 92 |
All Other Commercial |  |  | - |  |  |  | - |  |  |  | 4,802 |
Residential |  |  |  |  |  |  |  |  |  |  |  |
First Liens |  |  | 678 |  |  |  | 4,202 |  |  |  | 6,910 |
Home Equity |  |  | 36 |  |  |  | - |  |  |  | 205 |
Junior Liens |  |  | 149 |  |  |  | - |  |  |  | 783 |
Multifamily |  |  | - |  |  |  | - |  |  |  | 5,743 |
All Other Residential |  |  | - |  |  |  | - |  |  |  | 145 |
Consumer |  |  |  |  |  |  |  |  |  |  |  |
Motor Vehicle |  |  | 73 |  |  |  | 700 |  |  |  | 132 |
All Other Consumer |  |  | 5 |  |  |  | - |  |  |  | 1,542 |
TOTAL |  | $ | 1,399 |  |  | $ | 20,972 |  |  | $ | 38,132 |
|  | December 31, 2012 |
|  | Loans Past |  |  |  |  |  |  |
|  | Due Over |  |  |  |  |  |  |
|  | 90 Day Still |  |  |  |  |  |  |
(Dollar amounts in thousands) |  | Accruing |  |  | Restructured |  |  | Nonaccrual |
Commercial |  |  |  |  |  |  |  |  |  |  |  |
Commercial & Industrial |  | $ | 724 |  |  | $ | 11,573 |  |  | $ | 9,360 |
Farmland |  |  | 231 |  |  |  | - |  |  |  | 907 |
Non Farm, Non Residential |  |  | 491 |  |  |  | 4,836 |  |  |  | 6,718 |
Agriculture |  |  | 69 |  |  |  | - |  |  |  | 104 |
All Other Commercial |  |  | - |  |  |  | - |  |  |  | 4,811 |
Residential |  |  |  |  |  |  |  |  |  |  |  |
First Liens |  |  | 1,237 |  |  |  | 4,126 |  |  |  | 6,852 |
Home Equity |  |  | 24 |  |  |  | - |  |  |  | 196 |
Junior Liens |  |  | 538 |  |  |  | - |  |  |  | 405 |
Multifamily |  |  | 101 |  |  |  | - |  |  |  | 5,598 |
All Other Residential |  |  | - |  |  |  | - |  |  |  | 150 |
Consumer |  |  |  |  |  |  |  |  |  |  |  |
Motor Vehicle |  |  | 133 |  |  |  | 685 |  |  |  | 174 |
All Other Consumer |  |  | 3 |  |  |  | 16 |  |  |  | 1,519 |
TOTAL |  | $ | 3,551 |  |  | $ | 21,236 |  |  | $ | 36,794 |
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.
|  | March 31, 2013 |
|  |  |  |  |  |  |  | Greater |  |  |  |  |  |  |  |  |  |
|  | 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 |  | $ | 4,884 |  |  | $ | 863 |  |  | $ | 2,948 |  |  | $ | 8,695 |  |  | $ | 487,621 |  |  | $ | 496,316 |
Farmland |  |  | 48 |  |  |  | - |  |  |  | 941 |  |  |  | 989 |  |  |  | 84,378 |  |  |  | 85,367 |
Non Farm, Non Residential |  |  | 2,955 |  |  |  | 1,774 |  |  |  | 2,106 |  |  |  | 6,835 |  |  |  | 284,252 |  |  |  | 291,087 |
Agriculture |  |  | 736 |  |  |  | 82 |  |  |  | 5 |  |  |  | 823 |  |  |  | 103,184 |  |  |  | 104,007 |
All Other Commercial |  |  | 134 |  |  |  | 24 |  |  |  | 3,473 |  |  |  | 3,631 |  |  |  | 86,766 |  |  |  | 90,397 |
Residential |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
First Liens |  |  | 4,380 |  |  |  | 748 |  |  |  | 4,032 |  |  |  | 9,160 |  |  |  | 337,766 |  |  |  | 346,926 |
Home Equity |  |  | 155 |  |  |  | 42 |  |  |  | 36 |  |  |  | 233 |  |  |  | 42,172 |  |  |  | 42,405 |
Junior Liens |  |  | 335 |  |  |  | 8 |  |  |  | 565 |  |  |  | 908 |  |  |  | 34,666 |  |  |  | 35,574 |
Multifamily |  |  | 361 |  |  |  | - |  |  |  | 5,639 |  |  |  | 6,000 |  |  |  | 57,359 |  |  |  | 63,359 |
All Other Residential |  |  | 177 |  |  |  | - |  |  |  | - |  |  |  | 177 |  |  |  | 7,194 |  |  |  | 7,371 |
Consumer |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Motor Vehicle |  |  | 2,313 |  |  |  | 162 |  |  |  | 84 |  |  |  | 2,559 |  |  |  | 243,505 |  |  |  | 246,064 |
All Other Consumer |  |  | 128 |  |  |  | 22 |  |  |  | 6 |  |  |  | 156 |  |  |  | 21,840 |  |  |  | 21,996 |
TOTAL |  | $ | 16,606 |  |  | $ | 3,725 |  |  | $ | 19,835 |  |  | $ | 40,166 |  |  | $ | 1,790,703 |  |  | $ | 1,830,869 |
|  | December 31, 2012 |
|  |  |  |  |  |  |  | Greater |  |  |  |  |  |  |  |  |  |
|  | 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
Analysis of risk category of loans by class of loans | As of March 31, 2013 and December 31, 2012, and based on the most recent analysis performed, the risk category of loans by class of loans are as follows:
|  | March 31, 2013 |
|  |  |  |  | Special |  |  |  |  |  |  |  |  |  |  |  |  |
(Dollar amounts in thousands) |  | Pass |  |  | Mention |  |  | Substandard |  |  | Doubtful |  |  | Not Rated |  |  | Total |
Commercial |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial & Industrial |  | $ | 418,380 |  |  | $ | 32,385 |  |  | $ | 30,372 |  |  | $ | 7,213 |  |  | $ | 6,621 |  |  | $ | 494,971 |
Farmland |  |  | 79,939 |  |  |  | 2,627 |  |  |  | 1,588 |  |  |  | - |  |  |  | 37 |  |  |  | 84,191 |
Non Farm, Non Residential |  |  | 255,651 |  |  |  | 11,479 |  |  |  | 22,099 |  |  |  | 1,058 |  |  |  | 44 |  |  |  | 290,331 |
Agriculture |  |  | 94,414 |  |  |  | 7,800 |  |  |  | 117 |  |  |  | - |  |  |  | 75 |  |  |  | 102,406 |
All Other Commercial |  |  | 76,560 |  |  |  | 1,022 |  |  |  | 11,537 |  |  |  | 52 |  |  |  | 728 |  |  |  | 89,899 |
Residential |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
First Liens |  |  | 112,920 |  |  |  | 10,006 |  |  |  | 10,584 |  |  |  | 1,269 |  |  |  | 210,901 |  |  |  | 345,680 |
Home Equity |  |  | 12,565 |  |  |  | 643 |  |  |  | 1,365 |  |  |  | 117 |  |  |  | 27,638 |  |  |  | 42,328 |
Junior Liens |  |  | 9,263 |  |  |  | 56 |  |  |  | 723 |  |  |  | 70 |  |  |  | 25,328 |  |  |  | 35,440 |
Multifamily |  |  | 52,566 |  |  |  | 3,352 |  |  |  | 7,133 |  |  |  | 155 |  |  |  | 2 |  |  |  | 63,208 |
All Other Residential |  |  | 1,149 |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | 6,196 |  |  |  | 7,345 |
Consumer |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Motor Vehicle |  |  | 11,586 |  |  |  | 322 |  |  |  | 290 |  |  |  | 11 |  |  |  | 232,680 |  |  |  | 244,889 |
All Other Consumer |  |  | 4,081 |  |  |  | 74 |  |  |  | 72 |  |  |  | 20 |  |  |  | 17,608 |  |  |  | 21,855 |
TOTAL |  | $ | 1,129,074 |  |  | $ | 69,766 |  |  | $ | 85,880 |  |  | $ | 9,965 |  |  | $ | 527,858 |  |  | $ | 1,822,543 |
|  | 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 |

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