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Allowance for Loan Losses and Credit Quality Indicators (Tables) | 6 Months Ended
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Jun. 30, 2012
Loans and Allowance for Loan Losses and Credit Quality Indicators [Abstract] |
Allowance for Loan Losses | The following tables detail activity within the allowance for loan losses, by portfolio segment, for the three and six months ended June 30, 2012 and 2011.
|  | Three Months Ended June 30, 2012 |  |  | Three Months Ended June 30, 2011 |
|  |  |  |  | Consumer |  |  | Consumer |  |  |  |  |  |  |  |  | Consumer |  |  | Consumer |  |  |  |
(Amounts in thousands) |  | Commercial |  |  | Real Estate |  |  | and Other |  |  | Total |  |  | Commercial |  |  | Real Estate |  |  | and Other |  |  | Total |
Beginning balance |  | $ | 17,865 |  |  | $ | 7,259 |  |  | $ | 676 |  |  | $ | 25,800 |  |  | $ | 12,300 |  |  | $ | 12,641 |  |  | $ | 1,541 |  |  | $ | 26,482 |
Provision for loan losses |  |  | 950 |  |  |  | 623 |  |  |  | 47 |  |  |  | 1,620 |  |  |  | 2,504 |  |  |  | 408 |  |  |  | 167 |  |  |  | 3,079 |
Loans charged off |  |  | (836 | ) |  |  | (619 | ) |  |  | (157 | ) |  |  | (1,612 | ) |  |  | (2,727 | ) |  |  | (457 | ) |  |  | (272 | ) |  |  | (3,456 | )
Recoveries credited to allowance |  |  | 278 |  |  |  | 9 |  |  |  | 76 |  |  |  | 363 |  |  |  | 223 |  |  |  | 49 |  |  |  | 105 |  |  |  | 377 |
Net charge-offs |  |  | (558 | ) |  |  | (610 | ) |  |  | (81 | ) |  |  | (1,249 | ) |  |  | (2,504 | ) |  |  | (408 | ) |  |  | (167 | ) |  |  | (3,079 | )
Ending balance |  | $ | 18,257 |  |  | $ | 7,272 |  |  | $ | 642 |  |  | $ | 26,171 |  |  | $ | 12,300 |  |  | $ | 12,641 |  |  | $ | 1,541 |  |  | $ | 26,482 |
|  | Six Months Ended June 30, 2012 |  |  | Six Months Ended June 30, 2011 |
|  |  |  |  | Consumer |  |  | Consumer |  |  |  |  |  |  |  |  | Consumer |  |  | Consumer |  |  |  |
(Amounts in thousands) |  | Commercial |  |  | Real Estate |  |  | and Other |  |  | Total |  |  | Commercial |  |  | Real Estate |  |  | and Other |  |  | Total |
Beginning balance |  | $ | 17,752 |  |  | $ | 7,711 |  |  | $ | 742 |  |  | $ | 26,205 |  |  | $ | 12,300 |  |  | $ | 12,641 |  |  | $ | 1,541 |  |  | $ | 26,482 |
Provision for loan losses |  |  | 1,216 |  |  |  | 1,237 |  |  |  | 89 |  |  |  | 2,542 |  |  |  | 2,865 |  |  |  | 1,621 |  |  |  | 205 |  |  |  | 4,691 |
Loans charged off |  |  | (1,086 | ) |  |  | (1,727 | ) |  |  | (361 | ) |  |  | (3,174 | ) |  |  | (3,167 | ) |  |  | (1,829 | ) |  |  | (487 | ) |  |  | (5,483 | )
Recoveries credited to allowance |  |  | 375 |  |  |  | 51 |  |  |  | 172 |  |  |  | 598 |  |  |  | 302 |  |  |  | 208 |  |  |  | 282 |  |  |  | 792 |
Net charge-offs |  |  | (711 | ) |  |  | (1,676 | ) |  |  | (189 | ) |  |  | (2,576 | ) |  |  | (2,865 | ) |  |  | (1,621 | ) |  |  | (205 | ) |  |  | (4,691 | )
Ending balance |  | $ | 18,257 |  |  | $ | 7,272 |  |  | $ | 642 |  |  | $ | 26,171 |  |  | $ | 12,300 |  |  | $ | 12,641 |  |  | $ | 1,541 |  |  | $ | 26,482 |
Recorded investment in loans considered to be impaired and related information on those impaired loans | The following tables present the Company’s recorded investment in non-purchased loans considered to be impaired and related information on those impaired loans for the periods indicated:
|  | June 30, 2012 |  |  | December 31, 2011 |
|  |  |  |  | Unpaid |  |  |  |  |  |  |  |  | Unpaid |  |  |  |
|  | Recorded |  |  | Principal |  |  | Related |  |  | Recorded |  |  | Principal |  |  | Related |
(Amounts in thousands) |  | Investment |  |  | Balance |  |  | Allowance |  |  | Investment |  |  | Balance |  |  | Allowance |
Impaired loans with no related allowance: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Construction — commercial |  | $ | 12 |  |  | $ | 12 |  |  | $ | — |  |  | $ | 411 |  |  | $ | 411 |  |  | $ | — |
Land development |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 250 |  |  |  | 250 |  |  |  | — |
Other land loans |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Commercial and industrial |  |  | 61 |  |  |  | 66 |  |  |  | — |  |  |  | 114 |  |  |  | 127 |  |  |  | — |
Multi-family residential |  |  | 796 |  |  |  | 801 |  |  |  | — |  |  |  | 278 |  |  |  | 278 |  |  |  | — |
Single family non-owner occupied |  |  | 1,202 |  |  |  | 1,248 |  |  |  | — |  |  |  | 1,206 |  |  |  | 1,244 |  |  |  | — |
Non-farm, non-residential |  |  | 816 |  |  |  | 856 |  |  |  | — |  |  |  | 1,616 |  |  |  | 1,647 |  |  |  | — |
Agricultural |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Farmland |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 258 |  |  |  | 258 |  |  |  | — |
Consumer real estate loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Home equity lines |  |  | 366 |  |  |  | 385 |  |  |  | — |  |  |  | 368 |  |  |  | 378 |  |  |  | — |
Single family owner occupied |  |  | 5,812 |  |  |  | 5,926 |  |  |  | — |  |  |  | 2,428 |  |  |  | 2,508 |  |  |  | — |
Owner occupied construction |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Consumer and other loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Consumer loans |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 6 |  |  |  | 6 |  |  |  | — |
Total impaired loans with no allowance |  |  | 9,065 |  |  |  | 9,294 |  |  |  | — |  |  |  | 6,935 |  |  |  | 7,107 |  |  |  | — |
Impaired loans with a related allowance: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Construction — commercial |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Land development |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Other land loans |  |  | 111 |  |  |  | 111 |  |  |  | 4 |  |  |  | 112 |  |  |  | 112 |  |  |  | 4 |
Commercial and industrial |  |  | 3,914 |  |  |  | 3,936 |  |  |  | 3,739 |  |  |  | 4,031 |  |  |  | 4,069 |  |  |  | 2,048 |
Multi-family residential |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Single family non-owner occupied |  |  | 2,895 |  |  |  | 2,914 |  |  |  | 441 |  |  |  | 2,232 |  |  |  | 2,232 |  |  |  | 124 |
Non-farm, non-residential |  |  | 6,620 |  |  |  | 6,966 |  |  |  | 1,647 |  |  |  | 5,317 |  |  |  | 5,480 |  |  |  | 1,819 |
Agricultural |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Farmland |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Consumer real estate loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Home equity lines |  |  | 250 |  |  |  | 250 |  |  |  | 250 |  |  |  | — |  |  |  | — |  |  |  | — |
Single family owner occupied |  |  | 2,586 |  |  |  | 2,686 |  |  |  | 710 |  |  |  | 5,529 |  |  |  | 5,612 |  |  |  | 1,203 |
Owner occupied construction |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Consumer and other loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Consumer loans |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Total impaired loans with an allowance |  |  | 16,376 |  |  |  | 16,863 |  |  |  | 6,791 |  |  |  | 17,221 |  |  |  | 17,505 |  |  |  | 5,198 |
Total impaired loans |  | $ | 25,441 |  |  | $ | 26,157 |  |  | $ | 6,791 |  |  | $ | 24,156 |  |  | $ | 24,612 |  |  | $ | 5,198 |
|  | For the Three Months Ended |  |  | For the Six Months Ended |
|  | June 30, 2012 |  |  | June 30, 2012 |
|  | Average |  |  | Interest |  |  | Average |  |  | Interest |
|  | Recorded |  |  | Income |  |  | Recorded |  |  | Income |
(Amounts in thousands) |  | Investment |  |  | Recognized |  |  | Investment |  |  | Recognized |
Impaired loans with no related allowance: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Construction — commercial |  | $ | 11 |  |  | $ | — |  |  | $ | 30 |  |  | $ | — |
Land development |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Other land loans |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Commercial and industrial |  |  | 67 |  |  |  | 5 |  |  |  | 77 |  |  |  | 5 |
Multi-family residential |  |  | 879 |  |  |  | 4 |  |  |  | 1,196 |  |  |  | 4 |
Single family non-owner occupied |  |  | 1,405 |  |  |  | 8 |  |  |  | 1,813 |  |  |  | 17 |
Non-farm, non-residential |  |  | 886 |  |  |  | 7 |  |  |  | 1,119 |  |  |  | 17 |
Agricultural |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Farmland |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Consumer real estate loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Home equity lines |  |  | 378 |  |  |  | 8 |  |  |  | 503 |  |  |  | 14 |
Single family owner occupied |  |  | 5,842 |  |  |  | 27 |  |  |  | 7,155 |  |  |  | 48 |
Owner occupied construction |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Consumer and other loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Consumer loans |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Total impaired loans with no allowance |  |  | 9,468 |  |  |  | 59 |  |  |  | 11,893 |  |  |  | 105 |
Impaired loans with a related allowance: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Construction — commercial |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Land development |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Other land loans |  |  | 111 |  |  |  | — |  |  |  | 111 |  |  |  | 1 |
Commercial and industrial |  |  | 3,922 |  |  |  | 72 |  |  |  | 3,973 |  |  |  | 72 |
Multi-family residential |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Single family non-owner occupied |  |  | 2,888 |  |  |  | 11 |  |  |  | 2,910 |  |  |  | 42 |
Non-farm, non-residential |  |  | 6,683 |  |  |  | 145 |  |  |  | 6,952 |  |  |  | 236 |
Agricultural |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Farmland |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Consumer real estate loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Home equity lines |  |  | 250 |  |  |  | — |  |  |  | 250 |  |  |  | — |
Single family owner occupied |  |  | 2,581 |  |  |  | 28 |  |  |  | 2,697 |  |  |  | 53 |
Owner occupied construction |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Consumer and other loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Consumer loans |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Total impaired loans with an allowance |  |  | 16,435 |  |  |  | 256 |  |  |  | 16,893 |  |  |  | 404 |
Total impaired loans |  | $ | 25,903 |  |  | $ | 315 |  |  | $ | 28,786 |  |  | $ | 509 |
|  | For the Three Months Ended |  |  | For the Six Months Ended |
|  | June 30, 2011 |  |  | June 30, 2011 |
|  | Average |  |  | Interest |  |  | Average |  |  | Interest |
|  | Recorded |  |  | Income |  |  | Recorded |  |  | Income |
(Amounts in thousands) |  | Investment |  |  | Recognized |  |  | Investment |  |  | Recognized |
Impaired loans with no related allowance: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Construction — commercial |  | $ | 481 |  |  | $ | — |  |  | $ | 322 |  |  | $ | — |
Land development |  |  | 916 |  |  |  | — |  |  |  | 458 |  |  |  | — |
Other land loans |  |  | 2,291 |  |  |  | — |  |  |  | 1,491 |  |  |  | 1 |
Commercial and industrial |  |  | 4,015 |  |  |  | — |  |  |  | 4,097 |  |  |  | — |
Multi-family residential |  |  | 1,357 |  |  |  | 1 |  |  |  | 1,578 |  |  |  | 14 |
Single family non-owner occupied |  |  | 1,158 |  |  |  | 19 |  |  |  | 1,263 |  |  |  | 19 |
Non-farm, non-residential |  |  | 1,676 |  |  |  | 10 |  |  |  | 2,322 |  |  |  | 10 |
Agricultural |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Farmland |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Consumer real estate loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Home equity lines |  |  | 644 |  |  |  | 5 |  |  |  | 506 |  |  |  | 8 |
Single family owner occupied |  |  | 1,479 |  |  |  | 6 |  |  |  | 1,250 |  |  |  | 5 |
Owner occupied construction |  |  | 241 |  |  |  | 3 |  |  |  | 121 |  |  |  | 3 |
Consumer and other loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Consumer loans |  |  | — |  |  |  | — |  |  |  | 3 |  |  |  | — |
Total impaired loans with no allowance |  |  | 14,258 |  |  |  | 44 |  |  |  | 13,411 |  |  |  | 60 |
Impaired loans with a related allowance: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Construction — commercial |  |  | 269 |  |  |  | — |  |  |  | 135 |  |  |  | — |
Land development |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Other land loans |  |  | 113 |  |  |  | 2 |  |  |  | 113 |  |  |  | 3 |
Commercial and industrial |  |  | 651 |  |  |  | 8 |  |  |  | 651 |  |  |  | 8 |
Multi-family residential |  |  | 786 |  |  |  | — |  |  |  | 644 |  |  |  | — |
Single family non-owner occupied |  |  | 2,263 |  |  |  | 27 |  |  |  | 2,389 |  |  |  | 54 |
Non-farm, non-residential |  |  | 3,052 |  |  |  | 8 |  |  |  | 2,322 |  |  |  | 11 |
Agricultural |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Farmland |  |  | 333 |  |  |  | — |  |  |  | 166 |  |  |  | — |
Consumer real estate loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Home equity lines |  |  | — |  |  |  | — |  |  |  | 49 |  |  |  | — |
Single family owner occupied |  |  | 6,079 |  |  |  | 56 |  |  |  | 5,734 |  |  |  | 92 |
Owner occupied construction |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Consumer and other loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Consumer loans |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Total impaired loans with an allowance |  |  | 13,546 |  |  |  | 101 |  |  |  | 12,203 |  |  |  | 168 |
Total impaired loans |  | $ | 27,804 |  |  | $ | 145 |  |  | $ | 25,614 |  |  | $ | 228 |
Investment in loans related to each segment | The following tables detail the Company’s recorded investment in loans related to each segment in the allowance for loan losses by portfolio segment and disaggregated on the basis of the Company’s impairment methodology at June 30, 2012, and December 31, 2011. The Company is still in the process of identifying purchased performing and credit impaired loans from the Peoples and Waccamaw acquisitions; therefore, those acquired loans have been excluded from the table below.
|  | June 30, 2012 |
(Amounts in thousands) |  | Non-acquired Loans Individually Evaluated for Impairment |  |  | Allowance for Loans Individually Evaluated |  |  | Loans Collectively Evaluated for Impairment |  |  | Allowance for Loans Collectively Evaluated |  |  | Acquired Impaired Loans Evaluated for Impairment |  |  | Allowance for Acquired Impaired Loans Evaluated |
Commercial loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Construction — commercial |  | $ | 12 |  |  | $ | — |  |  | $ | 13,298 |  |  | $ | 491 |  |  | $ | — |  |  | $ | — |
Land development |  |  | — |  |  |  | — |  |  |  | 6,549 |  |  |  | 136 |  |  |  | — |  |  |  | — |
Other land loans |  |  | 111 |  |  |  | 4 |  |  |  | 26,460 |  |  |  | 346 |  |  |  | — |  |  |  | — |
Commercial and industrial |  |  | 3,967 |  |  |  | 3,731 |  |  |  | 75,236 |  |  |  | 1,333 |  |  |  | 255 |  |  |  | 8 |
Multi-family residential |  |  | 796 |  |  |  | — |  |  |  | 80,010 |  |  |  | 2,163 |  |  |  | — |  |  |  | — |
Single family non-owner occupied |  |  | 4,097 |  |  |  | 441 |  |  |  | 135,446 |  |  |  | 2,458 |  |  |  | 1,141 |  |  |  | — |
Non-farm, non-residential |  |  | 7,436 |  |  |  | 1,647 |  |  |  | 350,269 |  |  |  | 5,105 |  |  |  | 483 |  |  |  | — |
Agricultural |  |  | — |  |  |  | — |  |  |  | 1,643 |  |  |  | 19 |  |  |  | — |  |  |  | — |
Farmland |  |  | — |  |  |  | — |  |  |  | 37,211 |  |  |  | 375 |  |  |  | — |  |  |  | — |
Total commercial loans |  |  | 16,419 |  |  |  | 5,823 |  |  |  | 726,122 |  |  |  | 12,426 |  |  |  | 1,879 |  |  |  | 8 |
Consumer real estate loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Home equity lines |  |  | 616 |  |  |  | 250 |  |  |  | 107,236 |  |  |  | 1,277 |  |  |  | — |  |  |  | — |
Single family owner occupied |  |  | 8,398 |  |  |  | 710 |  |  |  | 427,321 |  |  |  | 4,849 |  |  |  | 414 |  |  |  | — |
Owner occupied construction |  |  | — |  |  |  | — |  |  |  | 30,417 |  |  |  | 186 |  |  |  | — |  |  |  | — |
Total consumer real estate loans |  |  | 9,014 |  |  |  | 960 |  |  |  | 564,974 |  |  |  | 6,312 |  |  |  | 414 |  |  |  | — |
Consumer and other loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Consumer loans |  |  | — |  |  |  | — |  |  |  | 67,643 |  |  |  | 642 |  |  |  | — |  |  |  | — |
Other |  |  | — |  |  |  | — |  |  |  | 5,850 |  |  |  | — |  |  |  | — |  |  |  | — |
Total consumer and other loans |  |  | — |  |  |  | — |  |  |  | 73,493 |  |  |  | 642 |  |  |  | — |  |  |  | — |
Total loans |  | $ | 25,433 |  |  | $ | 6,783 |  |  | $ | 1,364,589 |  |  | $ | 19,380 |  |  | $ | 2,293 |  |  | $ | 8 |
|  | December 31, 2011 |
(Amounts in thousands) |  | Non-acquired Loans Individually Evaluated for Impairment |  |  | Allowance for Loans Individually Evaluated |  |  | Loans Collectively Evaluated for Impairment |  |  | Allowance for Loans Collectively Evaluated |  |  | Acquired Impaired Loans Evaluated for Impairment |  |  | Allowance for Acquired Impaired Loans Evaluated |
Commercial loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Construction — commercial |  | $ | 411 |  |  | $ | — |  |  | $ | 35,071 |  |  | $ | 865 |  |  | $ | — |  |  | $ | — |
Land development |  |  | 250 |  |  |  | — |  |  |  | 2,652 |  |  |  | 481 |  |  |  | — |  |  |  | — |
Other land loans |  |  | 112 |  |  |  | 4 |  |  |  | 23,123 |  |  |  | 542 |  |  |  | 149 |  |  |  | — |
Commercial and industrial |  |  | 3,738 |  |  |  | 1,847 |  |  |  | 87,563 |  |  |  | 1,668 |  |  |  | 638 |  |  |  | 201 |
Multi-family residential |  |  | 278 |  |  |  | — |  |  |  | 76,772 |  |  |  | 1,889 |  |  |  | — |  |  |  | — |
Single family non-owner occupied |  |  | 3,438 |  |  |  | 124 |  |  |  | 102,063 |  |  |  | 2,836 |  |  |  | 1,242 |  |  |  | — |
Non-farm, non-residential |  |  | 6,933 |  |  |  | 1,819 |  |  |  | 328,610 |  |  |  | 5,114 |  |  |  | 462 |  |  |  | — |
Agricultural |  |  | — |  |  |  | — |  |  |  | 1,374 |  |  |  | 19 |  |  |  | — |  |  |  | — |
Farmland |  |  | 258 |  |  |  | — |  |  |  | 36,903 |  |  |  | 343 |  |  |  | — |  |  |  | — |
Total commercial loans |  |  | 15,418 |  |  |  | 3,794 |  |  |  | 694,131 |  |  |  | 13,757 |  |  |  | 2,491 |  |  |  | 201 |
Consumer real estate loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Home equity lines |  |  | 368 |  |  |  | — |  |  |  | 111,019 |  |  |  | 1,365 |  |  |  | — |  |  |  | — |
Single family owner occupied |  |  | 7,957 |  |  |  | 1,203 |  |  |  | 464,715 |  |  |  | 4,931 |  |  |  | 395 |  |  |  | — |
Owner occupied construction |  |  | — |  |  |  | — |  |  |  | 19,577 |  |  |  | 212 |  |  |  | — |  |  |  | — |
Total consumer real estate loans |  |  | 8,325 |  |  |  | 1,203 |  |  |  | 595,311 |  |  |  | 6,508 |  |  |  | 395 |  |  |  | — |
Consumer and other loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Consumer loans |  |  | 6 |  |  |  | — |  |  |  | 67,123 |  |  |  | 742 |  |  |  | — |  |  |  | — |
Other |  |  | — |  |  |  | — |  |  |  | 12,867 |  |  |  | — |  |  |  | — |  |  |  | — |
Total consumer and other loans |  |  | 6 |  |  |  | — |  |  |  | 79,990 |  |  |  | 742 |  |  |  | — |  |  |  | — |
Total loans |  | $ | 23,749 |  |  | $ | 4,997 |  |  | $ | 1,369,432 |  |  | $ | 21,007 |  |  | $ | 2,886 |  |  | $ | 201 |
Company's investment in loans held for investment by internal credit grade indicator | The following tables present the Company’s investment in loans held for investment by internal credit grade indicator at June 30, 2012, and December 31, 2011. There were no covered loans at December 31, 2011.
|  | June 30, 2012 |
(Amounts in thousands) |  | Pass |  |  | Special Mention |  |  | Substandard |  |  | Doubtful |  |  | Loss |  |  | Total |
Non-covered loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Construction — commercial |  | $ | 19,390 |  |  | $ | 149 |  |  | $ | 1,338 |  |  | $ | — |  |  | $ | — |  |  | $ | 20,877 |
Land development |  |  | 6,377 |  |  |  | — |  |  |  | 172 |  |  |  | — |  |  |  | — |  |  |  | 6,549 |
Other land loans |  |  | 23,178 |  |  |  | 3,084 |  |  |  | 309 |  |  |  | — |  |  |  | — |  |  |  | 26,571 |
Commercial and industrial |  |  | 90,824 |  |  |  | 951 |  |  |  | 3,033 |  |  |  | 4,556 |  |  |  | — |  |  |  | 99,364 |
Multi-family residential |  |  | 81,808 |  |  |  | 1,420 |  |  |  | 2,812 |  |  |  | — |  |  |  | — |  |  |  | 86,040 |
Single family non-owner occupied |  |  | 126,382 |  |  |  | 2,711 |  |  |  | 11,230 |  |  |  | 361 |  |  |  | — |  |  |  | 140,684 |
Non-farm, non-residential |  |  | 408,333 |  |  |  | 11,953 |  |  |  | 33,072 |  |  |  | 462 |  |  |  | — |  |  |  | 453,820 |
Agricultural |  |  | 1,603 |  |  |  | 5 |  |  |  | 35 |  |  |  | — |  |  |  | — |  |  |  | 1,643 |
Farmland |  |  | 35,057 |  |  |  | 1,366 |  |  |  | 2,000 |  |  |  | — |  |  |  | — |  |  |  | 38,423 |
Consumer real estate loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Home equity lines |  |  | 108,758 |  |  |  | 1,947 |  |  |  | 4,888 |  |  |  | 250 |  |  |  | — |  |  |  | 115,843 |
Single family owner occupied |  |  | 425,619 |  |  |  | 8,774 |  |  |  | 32,057 |  |  |  | — |  |  |  | — |  |  |  | 466,450 |
Owner occupied construction |  |  | 29,892 |  |  |  | 272 |  |  |  | 253 |  |  |  | — |  |  |  | — |  |  |  | 30,417 |
Consumer and other loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Consumer loans |  |  | 74,750 |  |  |  | 363 |  |  |  | 659 |  |  |  | 9 |  |  |  | — |  |  |  | 75,781 |
Other |  |  | 5,818 |  |  |  | 25 |  |  |  | 7 |  |  |  | — |  |  |  | — |  |  |  | 5,850 |
Total non-covered loans |  | $ | 1,437,789 |  |  | $ | 33,020 |  |  | $ | 91,865 |  |  | $ | 5,638 |  |  | $ | — |  |  | $ | 1,568,312 |
|  | June 30, 2012 |
(Amounts in thousands) |  | Pass |  |  | Special Mention |  |  | Substandard |  |  | Doubtful |  |  | Loss |  |  | Total |
Covered loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Construction — commercial |  | $ | 3,818 |  |  | $ | 2,536 |  |  | $ | 11,319 |  |  | $ | 97 |  |  | $ | — |  |  | $ | 17,770 |
Land development |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Other land loans |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Commercial and industrial |  |  | 6,986 |  |  |  | 204 |  |  |  | 279 |  |  |  | 194 |  |  |  | — |  |  |  | 7,663 |
Multi-family residential |  |  | 2,432 |  |  |  | — |  |  |  | 1,274 |  |  |  | — |  |  |  | — |  |  |  | 3,706 |
Single family non-owner occupied |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Non-farm, non-residential |  |  | 41,419 |  |  |  | 6,565 |  |  |  | 18,724 |  |  |  | 43 |  |  |  | — |  |  |  | 66,751 |
Agricultural |  |  | 305 |  |  |  | — |  |  |  | 2 |  |  |  | — |  |  |  | — |  |  |  | 307 |
Farmland |  |  | 1,102 |  |  |  | 1 |  |  |  | 242 |  |  |  | — |  |  |  | — |  |  |  | 1,345 |
Consumer real estate loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Home equity lines |  |  | 86,685 |  |  |  | 990 |  |  |  | 808 |  |  |  | 25 |  |  |  | — |  |  |  | 88,508 |
Single family owner occupied |  |  | 33,234 |  |  |  | 4,552 |  |  |  | 7,522 |  |  |  | 383 |  |  |  | — |  |  |  | 45,691 |
Owner occupied construction |  |  | 1,218 |  |  |  | 283 |  |  |  | 985 |  |  |  | 16 |  |  |  | — |  |  |  | 2,502 |
Consumer and other loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Consumer loans |  |  | 3,740 |  |  |  | 575 |  |  |  | 154 |  |  |  | 65 |  |  |  | — |  |  |  | 4,534 |
Other |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Total covered loans |  | $ | 180,939 |  |  | $ | 15,706 |  |  | $ | 41,309 |  |  | $ | 823 |  |  | $ | — |  |  | $ | 238,777 |
|  | December 31, 2011 |
(Amounts in thousands) |  | Pass |  |  | Special Mention |  |  | Substandard |  |  | Doubtful |  |  | Loss |  |  | Total |
Commercial loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Construction — commercial |  | $ | 34,512 |  |  | $ | 15 |  |  | $ | 955 |  |  | $ | — |  |  | $ | — |  |  | $ | 35,482 |
Land development |  |  | 2,479 |  |  |  | — |  |  |  | 423 |  |  |  | — |  |  |  | — |  |  |  | 2,902 |
Other land loans |  |  | 17,171 |  |  |  | 5,629 |  |  |  | 584 |  |  |  | — |  |  |  | — |  |  |  | 23,384 |
Commercial and industrial |  |  | 86,288 |  |  |  | 568 |  |  |  | 2,679 |  |  |  | 2,404 |  |  |  | — |  |  |  | 91,939 |
Multi-family residential |  |  | 74,486 |  |  |  | 965 |  |  |  | 1,599 |  |  |  | — |  |  |  | — |  |  |  | 77,050 |
Single family non-owner occupied |  |  | 93,444 |  |  |  | 1,346 |  |  |  | 11,953 |  |  |  | — |  |  |  | — |  |  |  | 106,743 |
Non-farm, non-residential |  |  | 303,071 |  |  |  | 9,635 |  |  |  | 22,855 |  |  |  | 444 |  |  |  | — |  |  |  | 336,005 |
Agricultural |  |  | 1,327 |  |  |  | 7 |  |  |  | 40 |  |  |  | — |  |  |  | — |  |  |  | 1,374 |
Farmland |  |  | 35,568 |  |  |  | 1,055 |  |  |  | 538 |  |  |  | — |  |  |  | — |  |  |  | 37,161 |
Consumer real estate loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Home equity lines |  |  | 105,535 |  |  |  | 2,237 |  |  |  | 3,615 |  |  |  | — |  |  |  | — |  |  |  | 111,387 |
Single family owner occupied |  |  | 435,001 |  |  |  | 8,936 |  |  |  | 29,130 |  |  |  | — |  |  |  | — |  |  |  | 473,067 |
Owner occupied construction |  |  | 19,190 |  |  |  | 128 |  |  |  | 259 |  |  |  | — |  |  |  | — |  |  |  | 19,577 |
Consumer and other loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Consumer loans |  |  | 66,357 |  |  |  | 198 |  |  |  | 574 |  |  |  | — |  |  |  | — |  |  |  | 67,129 |
Other |  |  | 12,857 |  |  |  | 1 |  |  |  | 9 |  |  |  | — |  |  |  | — |  |  |  | 12,867 |
Total loans |  | $ | 1,287,286 |  |  | $ | 30,720 |  |  | $ | 75,213 |  |  | $ | 2,848 |  |  | $ | — |  |  | $ | 1,396,067 |
Nonaccrual loans presented by loan class | Nonaccrual loans, presented by loan class, consisted of the following at June 30, 2012, and December 31, 2011. Loans acquired through business combinations, for which a discount exists, are not considered to be nonaccrual as a result of the accretion of the discount based on the expected cash flow of the loans.
(Amounts in thousands) |  | June 30, 2012 |  |  | December 31, 2011 |
Commercial loans |  |  |  |  |  |  |  |
Construction — commercial |  | $ | 182 |  |  | $ | 461 |
Land development |  |  | 48 |  |  |  | 297 |
Other land loans |  |  | 216 |  |  |  | 35 |
Commercial and industrial |  |  | 4,402 |  |  |  | 3,905 |
Multi-family residential |  |  | 796 |  |  |  | 341 |
Single family non-owner occupied |  |  | 4,355 |  |  |  | 1,639 |
Non-farm, non-residential |  |  | 8,655 |  |  |  | 8,063 |
Farmland |  |  | 100 |  |  |  | 271 |
Consumer real estate loans |  |  |  |  |  |  |  |
Home equity lines |  |  | 670 |  |  |  | 516 |
Single family owner occupied |  |  | 8,427 |  |  |  | 8,255 |
Owner occupied construction |  |  | 33 |  |  |  | 1 |
Consumer and other loans |  |  |  |  |  |  |  |
Consumer loans |  |  | 55 |  |  |  | 52 |
Total |  |  | 27,939 |  |  |  | 23,836 |
Acquired impaired loans |  |  | 8 |  |  |  | 651 |
Total nonaccrual loans |  | $ | 27,947 |  |  | $ | 24,487 |
Aging of past due loans by loan class | The following tables present the aging of past due loans, by loan class, at June 30, 2012, and December 31, 2011. Nonaccrual loans, excluding those 0 to 29 days past due, are included in the applicable delinquency category. There were no accruing loans contractually past due 90 days or more at June 30, 2012, or December 31, 2011. Acquired loans that are past due continue to accrue accretable yield under the accretion method of accounting and therefore are not considered to be nonaccrual. As a result of the Company being in the process of identifying the purchased performing and credit impaired loans from the Peoples and Waccamaw acquisition, all loans from the acquisitions are included in the applicable delinquency category.
|  | June 30, 2012 |
|  | 30 - 59 Days |  |  | 60 - 89 Days |  |  | 90+ Days |  |  | Total |  |  | Current |  |  | Total |
(Amounts in thousands) |  | Past Due |  |  | Past Due |  |  | Past Due |  |  | Past Due |  |  | Loans |  |  | Loans |
Non-covered loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Construction — commercial |  | $ | 347 |  |  | $ | 72 |  |  | $ | 1,188 |  |  | $ | 1,607 |  |  | $ | 19,270 |  |  | $ | 20,877 |
Land development |  |  | — |  |  |  | — |  |  |  | 48 |  |  |  | 48 |  |  |  | 6,501 |  |  |  | 6,549 |
Other land loans |  |  | 65 |  |  |  | — |  |  |  | 216 |  |  |  | 281 |  |  |  | 26,290 |  |  |  | 26,571 |
Commercial and industrial |  |  | 1,069 |  |  |  | 101 |  |  |  | 1,316 |  |  |  | 2,486 |  |  |  | 96,878 |  |  |  | 99,364 |
Multi-family residential |  |  | 751 |  |  |  | 476 |  |  |  | 401 |  |  |  | 1,628 |  |  |  | 84,412 |  |  |  | 86,040 |
Single family non-owner occupied |  |  | 674 |  |  |  | 404 |  |  |  | 3,306 |  |  |  | 4,384 |  |  |  | 136,300 |  |  |  | 140,684 |
Non-farm, non-residential |  |  | 2,038 |  |  |  | 670 |  |  |  | 5,794 |  |  |  | 8,502 |  |  |  | 445,318 |  |  |  | 453,820 |
Agricultural |  |  | 34 |  |  |  | — |  |  |  | — |  |  |  | 34 |  |  |  | 1,609 |  |  |  | 1,643 |
Farmland |  |  | 313 |  |  |  | — |  |  |  | — |  |  |  | 313 |  |  |  | 38,110 |  |  |  | 38,423 |
Consumer real estate loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Home equity lines |  |  | 1,148 |  |  |  | 468 |  |  |  | 461 |  |  |  | 2,077 |  |  |  | 113,766 |  |  |  | 115,843 |
Single family owner occupied |  |  | 2,784 |  |  |  | 727 |  |  |  | 5,146 |  |  |  | 8,657 |  |  |  | 457,793 |  |  |  | 466,450 |
Owner occupied construction |  |  | 19 |  |  |  | 129 |  |  |  | 33 |  |  |  | 181 |  |  |  | 30,236 |  |  |  | 30,417 |
Consumer and other loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Consumer loans |  |  | 296 |  |  |  | 21 |  |  |  | 36 |  |  |  | 353 |  |  |  | 75,428 |  |  |  | 75,781 |
Other |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 5,850 |  |  |  | 5,850 |
Total non-covered loans |  | $ | 9,538 |  |  | $ | 3,068 |  |  | $ | 17,945 |  |  | $ | 30,551 |  |  | $ | 1,537,761 |  |  | $ | 1,568,312 |
|  | June 30, 2012 |
|  | 30 - 59 Days |  |  | 60 - 89 Days |  |  | 90+ Days |  |  | Total |  |  | Current |  |  | Total |
(Amounts in thousands) |  | Past Due |  |  | Past Due |  |  | Past Due |  |  | Past Due |  |  | Loans |  |  | Loans |
Covered loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Construction — commercial |  | $ | 893 |  |  | $ | 323 |  |  | $ | 8,216 |  |  | $ | 9,432 |  |  | $ | 8,338 |  |  | $ | 17,770 |
Land development |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Other land loans |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Commercial and industrial |  |  | — |  |  |  | 73 |  |  |  | 255 |  |  |  | 328 |  |  |  | 7,335 |  |  |  | 7,663 |
Multi-family residential |  |  | — |  |  |  | — |  |  |  | 563 |  |  |  | 563 |  |  |  | 3,143 |  |  |  | 3,706 |
Single family non-owner occupied |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Non-farm, non-residential |  |  | 117 |  |  |  | 61 |  |  |  | 5,506 |  |  |  | 5,684 |  |  |  | 61,607 |  |  |  | 66,751 |
Agricultural |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 307 |  |  |  | 307 |
Farmland |  |  | — |  |  |  | — |  |  |  | 241 |  |  |  | 241 |  |  |  | 1,104 |  |  |  | 1,345 |
Consumer real estate loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Home equity lines |  |  | 436 |  |  |  | 26 |  |  |  | 192 |  |  |  | 654 |  |  |  | 87,854 |  |  |  | 88,508 |
Single family owner occupied |  |  | 472 |  |  |  | 161 |  |  |  | 3,904 |  |  |  | 4,537 |  |  |  | 41,154 |  |  |  | 45,691 |
Owner occupied construction |  |  | 167 |  |  |  | — |  |  |  | 393 |  |  |  | 560 |  |  |  | 1,942 |  |  |  | 2,502 |
Consumer and other loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Consumer loans |  |  | — |  |  |  | — |  |  |  | 93 |  |  |  | 93 |  |  |  | 4,441 |  |  |  | 4,534 |
Other |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Total covered loans |  | $ | 2,085 |  |  | $ | 644 |  |  | $ | 19,363 |  |  | $ | 22,092 |  |  | $ | 216,685 |  |  | $ | 238,777 |
|  | December 31, 2011 |
|  | 30 - 59 Days |  |  | 60 - 89 Days |  |  | 90+ Days |  |  | Total |  |  | Current |  |  | Total |
(Amounts in thousands) |  | Past Due |  |  | Past Due |  |  | Past Due |  |  | Past Due |  |  | Loans |  |  | Loans |
Commercial loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Construction — commercial |  | $ | 48 |  |  | $ | — |  |  | $ | 411 |  |  | $ | 459 |  |  | $ | 35,023 |  |  | $ | 35,482 |
Land development |  |  | — |  |  |  | — |  |  |  | 297 |  |  |  | 297 |  |  |  | 2,605 |  |  |  | 2,902 |
Other land loans |  |  | 205 |  |  |  | — |  |  |  | 279 |  |  |  | 484 |  |  |  | 22,900 |  |  |  | 23,384 |
Commercial and industrial |  |  | 150 |  |  |  | 30 |  |  |  | 3,568 |  |  |  | 3,748 |  |  |  | 88,191 |  |  |  | 91,939 |
Multi-family residential |  |  | 667 |  |  |  | — |  |  |  | 342 |  |  |  | 1,009 |  |  |  | 76,041 |  |  |  | 77,050 |
Single family non-owner occupied |  |  | 1,222 |  |  |  | 414 |  |  |  | 1,020 |  |  |  | 2,656 |  |  |  | 104,087 |  |  |  | 106,743 |
Non-farm, non-residential |  |  | 837 |  |  |  | 860 |  |  |  | 2,180 |  |  |  | 3,877 |  |  |  | 332,128 |  |  |  | 336,005 |
Agricultural |  |  | — |  |  |  | 7 |  |  |  | — |  |  |  | 7 |  |  |  | 1,367 |  |  |  | 1,374 |
Farmland |  |  | 152 |  |  |  | — |  |  |  | 258 |  |  |  | 410 |  |  |  | 36,751 |  |  |  | 37,161 |
Consumer real estate loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Home equity lines |  |  | 642 |  |  |  | 222 |  |  |  | 235 |  |  |  | 1,099 |  |  |  | 110,288 |  |  |  | 111,387 |
Single family owner occupied |  |  | 5,230 |  |  |  | 1,993 |  |  |  | 5,333 |  |  |  | 12,556 |  |  |  | 460,511 |  |  |  | 473,067 |
Owner occupied construction |  |  | — |  |  |  | 29 |  |  |  | — |  |  |  | 29 |  |  |  | 19,548 |  |  |  | 19,577 |
Consumer and other loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Consumer loans |  |  | 198 |  |  |  | 71 |  |  |  | 12 |  |  |  | 281 |  |  |  | 66,848 |  |  |  | 67,129 |
Other |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 12,867 |  |  |  | 12,867 |
Total loans |  | $ | 9,351 |  |  | $ | 3,626 |  |  | $ | 13,935 |  |  | $ | 26,912 |  |  | $ | 1,369,155 |  |  | $ | 1,396,067 |
Loans modified as troubled debt restructurings excluding those on nonaccrual status | The following tables present information for loans modified as TDRs, excluding those on nonaccrual status, that were restructured during the three and six months ended June 30, 2012 and 2011 by type of concession made and loan class. The post-modification recorded investment represents the loan balance immediately following modification.
|  | Three Months Ended June 30, |
|  | 2012 |  |  | 2011 |
(Amounts in thousands) |  | Total Contracts |  |  | Pre-Modification Recorded Investment |  |  | Post-Modification Recorded Investment |  |  | Total Contracts |  |  | Pre-Modification Recorded Investment |  |  | Post-Modification Recorded Investment |
Below market interest rate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Non-farm, non-residential |  |  | — |  |  | $ | — |  |  | $ | — |  |  |  | 1 |  |  | $ | 373 |  |  | $ | 373 |
Single family owner occupied |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 2 |  |  |  | 445 |  |  |  | 445 |
Total |  |  | — |  |  | $ | — |  |  | $ | — |  |  |  | 3 |  |  | $ | 818 |  |  | $ | 818 |
|  | Six Months Ended June 30, |
|  | 2012 |  |  | 2011 |
(Amounts in thousands) |  | Total Contracts |  |  | Pre-Modification Recorded Investment |  |  | Post-Modification Recorded Investment |  |  | Total Contracts |  |  | Pre-Modification Recorded Investment |  |  | Post-Modification Recorded Investment |
Below market interest rate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Non-farm, non-residential |  |  | — |  |  | $ | — |  |  | $ | — |  |  |  | 2 |  |  | $ | 480 |  |  | $ | 480 |
Single family owner occupied |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 3 |  |  |  | 726 |  |  |  | 703 |
Total |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 5 |  |  |  | 1,206 |  |  |  | 1,183 |
Extended payment term |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Single family owner occupied |  |  | 1 |  |  |  | 351 |  |  |  | 318 |  |  |  | — |  |  |  | — |  |  |  | — |
Total |  |  | 1 |  |  |  | 351 |  |  |  | 318 |  |  |  | — |  |  |  | — |  |  |  | — |
Total |  |  | 1 |  |  | $ | 351 |  |  | $ | 318 |  |  |  | 5 |  |  | $ | 1,206 |  |  | $ | 1,183 |
There were no payment defaults on loans modified as TDRs during the three and six months ended June 30, 2012 or 2011 that were restructured within the previous 12 months.

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