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Allowance for Loan Losses and Credit Quality Indicators (Tables) | 6 Months Ended
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Jun. 30, 2013
Allowance For Loan Losses, by Portfolio Segment | The following tables detail activity within the allowance for loan losses, by portfolio segment, for the dates indicated:
|  | Three Months Ended June 30, |
|  | 2013 |  |  | 2012 |
|  | Commercial |  |  | Consumer Real Estate |  |  | Consumer and Other |  |  | Total |  |  | Commercial |  |  | Consumer Real Estate |  |  | Consumer and Other |  |  | Total |
(Amounts in thousands) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Beginning balance |  | $ | 17,250 |  |  | $ | 7,003 |  |  | $ | 597 |  |  | $ | 24,850 |  |  | $ | 17,865 |  |  | $ | 7,259 |  |  | $ | 676 |  |  | $ | 25,800 |
Provision for loan losses |  |  | 2,304 |  |  |  | 749 |  |  |  | 152 |  |  |  | 3,205 |  |  |  | 950 |  |  |  | 623 |  |  |  | 47 |  |  |  | 1,620 |
Loans charged off |  |  | (3,446 | ) |  |  | (1,282 | ) |  |  | (278 | ) |  |  | (5,006 | ) |  |  | (836 | ) |  |  | (619 | ) |  |  | (157 | ) |  |  | (1,612 | )
Recoveries credited to allowance |  |  | (227 | ) |  |  | 188 |  |  |  | 112 |  |  |  | 73 |  |  |  | 278 |  |  |  | 9 |  |  |  | 76 |  |  |  | 363 |
Net charge-offs |  |  | (3,673 | ) |  |  | (1,094 | ) |  |  | (166 | ) |  |  | (4,933 | ) |  |  | (558 | ) |  |  | (610 | ) |  |  | (81 | ) |  |  | (1,249 | )
Ending balance |  | $ | 15,881 |  |  | $ | 6,658 |  |  | $ | 583 |  |  | $ | 23,122 |  |  | $ | 18,257 |  |  | $ | 7,272 |  |  | $ | 642 |  |  | $ | 26,171 |
|  | Six Months Ended June 30, |
|  | 2013 |  |  | 2012 |
|  | Commercial |  |  | Consumer Real Estate |  |  | Consumer and Other |  |  | Total |  |  | Commercial |  |  | Consumer Real Estate |  |  | Consumer and Other |  |  | Total |
(Amounts in thousands) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Beginning balance |  | $ | 17,267 |  |  | $ | 7,906 |  |  | $ | 597 |  |  | $ | 25,770 |  |  | $ | 17,752 |  |  | $ | 7,711 |  |  | $ | 742 |  |  | $ | 26,205 |
Provision for loan losses |  |  | 2,787 |  |  |  | 1,229 |  |  |  | 331 |  |  |  | 4,347 |  |  |  | 1,216 |  |  |  | 1,237 |  |  |  | 89 |  |  |  | 2,542 |
Loans charged off |  |  | (4,229 | ) |  |  | (2,678 | ) |  |  | (858 | ) |  |  | (7,765 | ) |  |  | (1,086 | ) |  |  | (1,727 | ) |  |  | (361 | ) |  |  | (3,174 | )
Recoveries credited to allowance |  |  | 56 |  |  |  | 201 |  |  |  | 513 |  |  |  | 770 |  |  |  | 375 |  |  |  | 51 |  |  |  | 172 |  |  |  | 598 |
Net charge-offs |  |  | (4,173 | ) |  |  | (2,477 | ) |  |  | (345 | ) |  |  | (6,995 | ) |  |  | (711 | ) |  |  | (1,676 | ) |  |  | (189 | ) |  |  | (2,576 | )
Ending balance |  | $ | 15,881 |  |  | $ | 6,658 |  |  | $ | 583 |  |  | $ | 23,122 |  |  | $ | 18,257 |  |  | $ | 7,272 |  |  | $ | 642 |  |  | $ | 26,171 |
Recorded Investment in Loans Considered to be Impaired and Related Information on 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, 2013 |  |  | December 31, 2012 |
(Amounts in thousands) |  | Recorded Investment |  |  | Unpaid Principal Balance |  |  | Related Allowance |  |  | Recorded Investment |  |  | Unpaid Principal Balance |  |  | Related Allowance |
Impaired loans with no related allowance: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Construction, development, and other land |  | $ | 4,347 |  |  | $ | 6,832 |  |  | $ | — |  |  | $ | 2,916 |  |  | $ | 2,916 |  |  | $ | — |
Commercial and industrial |  |  | 1,844 |  |  |  | 1,897 |  |  |  | — |  |  |  | 284 |  |  |  | 284 |  |  |  | — |
Multi-family residential |  |  | 20 |  |  |  | 37 |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Single family non-owner occupied |  |  | 1,016 |  |  |  | 2,292 |  |  |  | — |  |  |  | 383 |  |  |  | 684 |  |  |  | — |
Non-farm, non-residential |  |  | 8,127 |  |  |  | 9,062 |  |  |  | — |  |  |  | 5,282 |  |  |  | 5,362 |  |  |  | — |
Agricultural |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Farmland |  |  | 361 |  |  |  | 361 |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Consumer real estate loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Home equity lines |  |  | 659 |  |  |  | 687 |  |  |  | — |  |  |  | 276 |  |  |  | 277 |  |  |  | — |
Single family owner occupied |  |  | 2,213 |  |  |  | 2,834 |  |  |  | — |  |  |  | 277 |  |  |  | 383 |  |  |  | — |
Owner occupied construction |  |  | 50 |  |  |  | 61 |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Consumer and other loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Consumer loans |  |  | 8 |  |  |  | 12 |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Total impaired loans with no allowance |  |  | 18,645 |  |  |  | 24,075 |  |  |  | — |  |  |  | 9,418 |  |  |  | 9,906 |  |  |  | — |
Impaired loans with a related allowance: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Construction, development, and other land |  |  | 1,094 |  |  |  | 1,094 |  |  |  | 164 |  |  |  | — |  |  |  | — |  |  |  | — |
Commercial and industrial |  |  | 3,592 |  |  |  | 8,732 |  |  |  | 3,293 |  |  |  | 3,318 |  |  |  | 8,502 |  |  |  | 3,192 |
Multi-family residential |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 378 |  |  |  | 397 |  |  |  | 18 |
Single family non-owner occupied |  |  | 1,024 |  |  |  | 1,097 |  |  |  | 179 |  |  |  | 2,411 |  |  |  | 2,460 |  |  |  | 996 |
Non-farm, non-residential |  |  | 1,863 |  |  |  | 2,009 |  |  |  | 392 |  |  |  | 2,781 |  |  |  | 2,958 |  |  |  | 358 |
Agricultural |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Farmland |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Consumer real estate loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Home equity lines |  |  | 217 |  |  |  | 230 |  |  |  | 222 |  |  |  | 223 |  |  |  | 230 |  |  |  | 223 |
Single family owner occupied |  |  | 3,228 |  |  |  | 3,374 |  |  |  | 593 |  |  |  | 4,673 |  |  |  | 4,903 |  |  |  | 806 |
Owner occupied construction |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Consumer and other loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Consumer loans |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Total impaired loans with an allowance |  |  | 11,018 |  |  |  | 16,536 |  |  |  | 4,843 |  |  |  | 13,784 |  |  |  | 19,450 |  |  |  | 5,593 |
Total impaired loans |  | $ | 29,663 |  |  | $ | 40,611 |  |  | $ | 4,843 |  |  | $ | 23,202 |  |  | $ | 29,356 |  |  | $ | 5,593 |
|  | For the Three Months Ended June 30, 2013 |  |  | For the Six Months Ended June 30, 2013 |
(Amounts in thousands) |  | Average Recorded Investment |  |  | Interest Income Recognized |  |  | Average Recorded Investment |  |  | Interest Income Recognized |
Impaired loans with no related allowance: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Construction, development, and other land |  | $ | 6,828 |  |  | $ | 211 |  |  | $ | 4,511 |  |  | $ | 297 |
Commercial and industrial |  |  | 1,903 |  |  |  | — |  |  |  | 1,251 |  |  |  | 16 |
Multi-family residential |  |  | 37 |  |  |  | 1 |  |  |  | 36 |  |  |  | 5 |
Single family non-owner occupied |  |  | 2,281 |  |  |  | 14 |  |  |  | 1,561 |  |  |  | 172 |
Non-farm, non-residential |  |  | 9,068 |  |  |  | 84 |  |  |  | 7,512 |  |  |  | 508 |
Agricultural |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Farmland |  |  | 361 |  |  |  | — |  |  |  | 225 |  |  |  | 12 |
Consumer real estate loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Home equity lines |  |  | 708 |  |  |  | — |  |  |  | 503 |  |  |  | 49 |
Single family owner occupied |  |  | 2,867 |  |  |  | — |  |  |  | 1,707 |  |  |  | 110 |
Owner occupied construction |  |  | 61 |  |  |  | 5 |  |  |  | 31 |  |  |  | 5 |
Consumer and other loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Consumer loans |  |  | 12 |  |  |  | — |  |  |  | 6 |  |  |  | — |
Total impaired loans with no allowance |  |  | 24,126 |  |  |  | 315 |  |  |  | 17,343 |  |  |  | 1,174 |
Impaired loans with a related allowance: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Construction, development, and other land |  |  | 1,095 |  |  |  | — |  |  |  | 1,882 |  |  |  | 133 |
Commercial and industrial |  |  | 3,592 |  |  |  | — |  |  |  | 3,350 |  |  |  | — |
Multi-family residential |  |  | — |  |  |  | — |  |  |  | 188 |  |  |  | 7 |
Single family non-owner occupied |  |  | 1,098 |  |  |  | — |  |  |  | 1,413 |  |  |  | 6 |
Non-farm, non-residential |  |  | 2,011 |  |  |  | — |  |  |  | 2,383 |  |  |  | 40 |
Agricultural |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Farmland |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Consumer real estate loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Home equity lines |  |  | 230 |  |  |  | — |  |  |  | 226 |  |  |  | 4 |
Single family owner occupied |  |  | 3,377 |  |  |  | 4 |  |  |  | 3,931 |  |  |  | 26 |
Owner occupied construction |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Consumer and other loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Consumer loans |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Total impaired loans with an allowance |  |  | 11,403 |  |  |  | 4 |  |  |  | 13,373 |  |  |  | 216 |
Total impaired loans |  | $ | 35,529 |  |  | $ | 319 |  |  | $ | 30,716 |  |  | $ | 1,390 |
|  | For the Three Months Ended June 30, 2012 |  |  | For the Six Months Ended June 30, 2012 |
(Amounts in thousands) |  | Average Recorded Investment |  |  | Interest Income Recognized |  |  | Average Recorded Investment |  |  | Interest Income Recognized |
Impaired loans with no related allowance: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Construction, development, and other land |  | $ | 11 |  |  | $ | — |  |  | $ | 30 |  |  | $ | — |
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, development, and other land |  |  | 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 |
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, 2013, and December 31, 2012. Impairment related to the Company’s purchased credit impaired loan pools is excluded from the following tables.
|  | June 30, 2013 |
(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, development, and other land |  | $ | 5,441 |  |  | $ | 164 |  |  | $ | 57,788 |  |  | $ | 1,483 |  |  | $ | 12,036 |  |  | $ | — |
Commercial and industrial |  |  | 5,428 |  |  |  | 3,285 |  |  |  | 89,627 |  |  |  | 1,343 |  |  |  | 1,805 |  |  |  | 8 |
Multi-family residential |  |  | 20 |  |  |  | — |  |  |  | 61,330 |  |  |  | 1,086 |  |  |  | 620 |  |  |  | — |
Single family non-owner occupied |  |  | 2,040 |  |  |  | 179 |  |  |  | 133,829 |  |  |  | 3,353 |  |  |  | 8,088 |  |  |  | — |
Non-farm, non-residential |  |  | 9,990 |  |  |  | 392 |  |  |  | 456,938 |  |  |  | 4,242 |  |  |  | 29,496 |  |  |  | — |
Agricultural |  |  | — |  |  |  | — |  |  |  | 2,424 |  |  |  | 27 |  |  |  | — |  |  |  | — |
Farmland |  |  | 361 |  |  |  | — |  |  |  | 34,366 |  |  |  | 319 |  |  |  | 861 |  |  |  | — |
Total commercial loans |  |  | 23,280 |  |  |  | 4,020 |  |  |  | 836,302 |  |  |  | 11,853 |  |  |  | 52,906 |  |  |  | 8 |
Consumer real estate loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Home equity lines |  |  | 876 |  |  |  | 222 |  |  |  | 137,651 |  |  |  | 1,346 |  |  |  | 48,425 |  |  |  | — |
Single family owner occupied |  |  | 5,441 |  |  |  | 593 |  |  |  | 481,714 |  |  |  | 4,317 |  |  |  | 6,524 |  |  |  | — |
Owner occupied construction |  |  | 50 |  |  |  | — |  |  |  | 21,760 |  |  |  | 180 |  |  |  | 1,104 |  |  |  | — |
Total consumer real estate loans |  |  | 6,367 |  |  |  | 815 |  |  |  | 641,125 |  |  |  | 5,843 |  |  |  | 56,053 |  |  |  | — |
Consumer and other loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Consumer loans |  |  | 8 |  |  |  | — |  |  |  | 70,987 |  |  |  | 583 |  |  |  | 718 |  |  |  | — |
Other |  |  | — |  |  |  | — |  |  |  | 3,752 |  |  |  | — |  |  |  | — |  |  |  | — |
Total consumer and other loans |  |  | 8 |  |  |  | — |  |  |  | 74,739 |  |  |  | 583 |  |  |  | 718 |  |  |  | — |
Total loans |  | $ | 29,655 |  |  | $ | 4,835 |  |  | $ | 1,552,166 |  |  | $ | 18,279 |  |  | $ | 109,677 |  |  | $ | 8 |
|  | December 31, 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, development, and other land |  | $ | 2,916 |  |  | $ | — |  |  | $ | 55,369 |  |  | $ | 1,214 |  |  | $ | 25,744 |  |  | $ | — |
Commercial and industrial |  |  | 3,602 |  |  |  | 3,192 |  |  |  | 88,540 |  |  |  | 1,159 |  |  |  | 3,544 |  |  |  | 8 |
Multi-family residential |  |  | 378 |  |  |  | 18 |  |  |  | 67,278 |  |  |  | 1,612 |  |  |  | 649 |  |  |  | — |
Single family non-owner occupied |  |  | 2,794 |  |  |  | 858 |  |  |  | 134,323 |  |  |  | 3,509 |  |  |  | 10,223 |  |  |  | — |
Non-farm, non-residential |  |  | 8,063 |  |  |  | 358 |  |  |  | 451,240 |  |  |  | 4,901 |  |  |  | 38,072 |  |  |  | — |
Agricultural |  |  | — |  |  |  | — |  |  |  | 1,852 |  |  |  | 22 |  |  |  | 1 |  |  |  | — |
Farmland |  |  | — |  |  |  | — |  |  |  | 34,779 |  |  |  | 416 |  |  |  | 882 |  |  |  | — |
Total commercial loans |  |  | 17,753 |  |  |  | 4,426 |  |  |  | 833,381 |  |  |  | 12,833 |  |  |  | 79,115 |  |  |  | 8 |
Consumer real estate loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Home equity lines |  |  | 499 |  |  |  | 223 |  |  |  | 139,706 |  |  |  | 1,351 |  |  |  | 50,343 |  |  |  | — |
Single family owner occupied |  |  | 4,950 |  |  |  | 944 |  |  |  | 483,553 |  |  |  | 5,051 |  |  |  | 8,005 |  |  |  | — |
Owner occupied construction |  |  | — |  |  |  | — |  |  |  | 16,768 |  |  |  | 337 |  |  |  | 1,099 |  |  |  | — |
Total consumer real estate loans |  |  | 5,449 |  |  |  | 1,167 |  |  |  | 640,027 |  |  |  | 6,739 |  |  |  | 59,447 |  |  |  | — |
Consumer and other loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Consumer loans |  |  | — |  |  |  | — |  |  |  | 81,037 |  |  |  | 597 |  |  |  | 800 |  |  |  | — |
Other |  |  | — |  |  |  | — |  |  |  | 5,666 |  |  |  | — |  |  |  | — |  |  |  | — |
Total consumer and other loans |  |  | — |  |  |  | — |  |  |  | 86,703 |  |  |  | 597 |  |  |  | 800 |  |  |  | — |
Total loans |  | $ | 23,202 |  |  | $ | 5,593 |  |  | $ | 1,560,111 |  |  | $ | 20,169 |  |  | $ | 139,362 |  |  | $ | 8 |
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, 2013, and December 31, 2012. Non-covered special mention and substandard loans declined between December 31, 2012, and June 30, 2013, due primarily to loan work out activity across the portfolio coupled with continued credit improvement in the Peoples’ acquired loan portfolio.
|  | June 30, 2013 |
(Amounts in thousands) |  | Pass |  |  | Special Mention |  |  | Substandard |  |  | Doubtful |  |  | Loss |  |  | Total |
Non-covered loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Construction, development, and other land |  | $ | 40,067 |  |  | $ | 1,916 |  |  | $ | 9,302 |  |  | $ | 913 |  |  | $ | — |  |  | $ | 52,198 |
Commercial and industrial |  |  | 82,560 |  |  |  | 1,888 |  |  |  | 4,370 |  |  |  | 3,630 |  |  |  | — |  |  |  | 92,448 |
Multi-family residential |  |  | 54,602 |  |  |  | 4,118 |  |  |  | 816 |  |  |  | — |  |  |  | — |  |  |  | 59,536 |
Single family non-owner occupied |  |  | 117,582 |  |  |  | 5,024 |  |  |  | 10,722 |  |  |  | 879 |  |  |  | — |  |  |  | 134,207 |
Non-farm, non-residential |  |  | 420,792 |  |  |  | 11,864 |  |  |  | 22,449 |  |  |  | 119 |  |  |  | — |  |  |  | 455,224 |
Agricultural |  |  | 2,367 |  |  |  | 14 |  |  |  | 12 |  |  |  | — |  |  |  | — |  |  |  | 2,393 |
Farmland |  |  | 28,806 |  |  |  | 1,584 |  |  |  | 3,964 |  |  |  | — |  |  |  | — |  |  |  | 34,354 |
Consumer real estate loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Home equity lines |  |  | 103,983 |  |  |  | 2,027 |  |  |  | 3,592 |  |  |  | 218 |  |  |  | — |  |  |  | 109,820 |
Single family owner occupied |  |  | 436,893 |  |  |  | 8,798 |  |  |  | 27,521 |  |  |  | — |  |  |  | — |  |  |  | 473,212 |
Owner occupied construction |  |  | 21,276 |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 21,276 |
Consumer and other loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Consumer loans |  |  | 67,721 |  |  |  | 896 |  |  |  | 381 |  |  |  | 4 |  |  |  | — |  |  |  | 69,002 |
Other |  |  | 3,739 |  |  |  | 1 |  |  |  | 12 |  |  |  | — |  |  |  | — |  |  |  | 3,752 |
Total non-covered loans |  | $ | 1,380,388 |  |  | $ | 38,130 |  |  | $ | 83,141 |  |  | $ | 5,763 |  |  | $ | — |  |  | $ | 1,507,422 |
Covered loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Construction, development, and other land |  | $ | 12,194 |  |  | $ | 1,388 |  |  | $ | 9,357 |  |  | $ | 128 |  |  | $ | — |  |  | $ | 23,067 |
Commercial and industrial |  |  | 3,619 |  |  |  | 418 |  |  |  | 350 |  |  |  | 25 |  |  |  | — |  |  |  | 4,412 |
Multi-family residential |  |  | 1,814 |  |  |  | — |  |  |  | 620 |  |  |  | — |  |  |  | — |  |  |  | 2,434 |
Single family non-owner occupied |  |  | 4,806 |  |  |  | 93 |  |  |  | 4,837 |  |  |  | 14 |  |  |  | — |  |  |  | 9,750 |
Non-farm, non-residential |  |  | 17,692 |  |  |  | 2,605 |  |  |  | 20,547 |  |  |  | 356 |  |  |  | — |  |  |  | 41,200 |
Agricultural |  |  | 31 |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 31 |
Farmland |  |  | 828 |  |  |  | 309 |  |  |  | 97 |  |  |  | — |  |  |  | — |  |  |  | 1,234 |
Consumer real estate loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Home equity lines |  |  | 16,502 |  |  |  | 11,162 |  |  |  | 49,443 |  |  |  | 25 |  |  |  | — |  |  |  | 77,132 |
Single family owner occupied |  |  | 14,314 |  |  |  | 175 |  |  |  | 5,795 |  |  |  | 183 |  |  |  | — |  |  |  | 20,467 |
Owner occupied construction |  |  | 380 |  |  |  | — |  |  |  | 1,258 |  |  |  | — |  |  |  | — |  |  |  | 1,638 |
Consumer and other loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Consumer loans |  |  | 2,067 |  |  |  | — |  |  |  | 644 |  |  |  | — |  |  |  | — |  |  |  | 2,711 |
Other |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Total covered loans |  | $ | 74,247 |  |  | $ | 16,150 |  |  | $ | 92,948 |  |  | $ | 731 |  |  | $ | — |  |  | $ | 184,076 |
|  | December 31, 2012 |
(Amounts in thousands) |  | Pass |  |  | Special Mention |  |  | Substandard |  |  | Doubtful |  |  | Loss |  |  | Total |
Non-covered loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Construction, development, and other land |  | $ | 41,850 |  |  | $ | 1,497 |  |  | $ | 13,546 |  |  | $ | 541 |  |  | $ | — |  |  | $ | 57,434 |
Commercial and industrial |  |  | 77,573 |  |  |  | 2,506 |  |  |  | 4,821 |  |  |  | 3,838 |  |  |  | — |  |  |  | 88,738 |
Multi-family residential |  |  | 60,161 |  |  |  | 4,043 |  |  |  | 1,490 |  |  |  | — |  |  |  | — |  |  |  | 65,694 |
Single family non-owner occupied |  |  | 112,562 |  |  |  | 5,938 |  |  |  | 16,092 |  |  |  | 1,320 |  |  |  | — |  |  |  | 135,912 |
Non-farm, non-residential |  |  | 399,907 |  |  |  | 15,975 |  |  |  | 32,808 |  |  |  | 120 |  |  |  | — |  |  |  | 448,810 |
Agricultural |  |  | 1,657 |  |  |  | 19 |  |  |  | 33 |  |  |  | — |  |  |  | — |  |  |  | 1,709 |
Farmland |  |  | 28,887 |  |  |  | 2,262 |  |  |  | 3,421 |  |  |  | — |  |  |  | — |  |  |  | 34,570 |
Consumer real estate loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Home equity lines |  |  | 104,750 |  |  |  | 2,739 |  |  |  | 3,592 |  |  |  | — |  |  |  | — |  |  |  | 111,081 |
Single family owner occupied |  |  | 436,587 |  |  |  | 9,599 |  |  |  | 27,319 |  |  |  | — |  |  |  | 42 |  |  |  | 473,547 |
Owner occupied construction |  |  | 15,841 |  |  |  | 382 |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 16,223 |
Consumer and other loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Consumer loans |  |  | 76,787 |  |  |  | 867 |  |  |  | 501 |  |  |  | 8 |  |  |  | — |  |  |  | 78,163 |
Other |  |  | 5,657 |  |  |  | 8 |  |  |  | 1 |  |  |  | — |  |  |  | — |  |  |  | 5,666 |
Total non-covered loans |  | $ | 1,362,219 |  |  | $ | 45,835 |  |  | $ | 103,624 |  |  | $ | 5,827 |  |  | $ | 42 |  |  | $ | 1,517,547 |
Covered loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Construction, development, and other land |  | $ | 6,463 |  |  | $ | 2,120 |  |  | $ | 17,834 |  |  | $ | 178 |  |  | $ | — |  |  | $ | 26,595 |
Commercial and industrial |  |  | 6,225 |  |  |  | 445 |  |  |  | 197 |  |  |  | 81 |  |  |  | — |  |  |  | 6,948 |
Multi-family residential |  |  | 1,962 |  |  |  | — |  |  |  | 649 |  |  |  | — |  |  |  | — |  |  |  | 2,611 |
Single family non-owner occupied |  |  | 6,065 |  |  |  | 2,223 |  |  |  | 3,015 |  |  |  | 125 |  |  |  | — |  |  |  | 11,428 |
Non-farm, non-residential |  |  | 23,855 |  |  |  | 5,477 |  |  |  | 19,189 |  |  |  | 44 |  |  |  | — |  |  |  | 48,565 |
Agricultural |  |  | 143 |  |  |  | — |  |  |  | 1 |  |  |  | — |  |  |  | — |  |  |  | 144 |
Farmland |  |  | 935 |  |  |  | — |  |  |  | 156 |  |  |  | — |  |  |  | — |  |  |  | 1,091 |
Consumer real estate loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Home equity lines |  |  | 16,323 |  |  |  | 11,981 |  |  |  | 53,116 |  |  |  | 25 |  |  |  | — |  |  |  | 81,445 |
Single family owner occupied |  |  | 16,011 |  |  |  | 927 |  |  |  | 5,786 |  |  |  | 237 |  |  |  | — |  |  |  | 22,961 |
Owner occupied construction |  |  | 484 |  |  |  | — |  |  |  | 1,160 |  |  |  | — |  |  |  | — |  |  |  | 1,644 |
Consumer and other loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Consumer loans |  |  | 2,987 |  |  |  | 562 |  |  |  | 125 |  |  |  | — |  |  |  | — |  |  |  | 3,674 |
Other |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Total covered loans |  | $ | 81,453 |  |  | $ | 23,735 |  |  | $ | 101,228 |  |  | $ | 690 |  |  | $ | — |  |  | $ | 207,106 |
Nonaccrual Loans Presented by Loan Class | Nonaccrual loans, presented by loan class, consisted of the following at June 30, 2013, and December 31, 2012. Loans acquired with credit deterioration through business combinations, for which a discount exists, are generally not considered to be nonaccrual as a result of the accretion of the discount which is based on the expected cash flows of the loans.
|  | June 30, 2013 |  |  | December 31, 2012 |
(Amounts in thousands) |  | Non-covered |  |  | Covered |  |  | Total |  |  | Non-covered |  |  | Covered |  |  | Total |
Commercial loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Construction, development, and other land |  | $ | 5,240 |  |  | $ | 1,402 |  |  | $ | 6,642 |  |  | $ | 405 |  |  | $ | 1,990 |  |  | $ | 2,395 |
Commercial and industrial |  |  | 5,453 |  |  |  | 72 |  |  |  | 5,525 |  |  |  | 3,912 |  |  |  | 35 |  |  |  | 3,947 |
Multi-family residential |  |  | 20 |  |  |  | — |  |  |  | 20 |  |  |  | 378 |  |  |  | — |  |  |  | 378 |
Single family non-owner occupied |  |  | 3,378 |  |  |  | 26 |  |  |  | 3,404 |  |  |  | 7,071 |  |  |  | 21 |  |  |  | 7,092 |
Non-farm, non-residential |  |  | 7,039 |  |  |  | 665 |  |  |  | 7,704 |  |  |  | 5,938 |  |  |  | 951 |  |  |  | 6,889 |
Agricultural |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 2 |  |  |  | — |  |  |  | 2 |
Farmland |  |  | 444 |  |  |  | — |  |  |  | 444 |  |  |  | — |  |  |  | — |  |  |  | — |
Consumer real estate loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Home equity lines |  |  | 1,305 |  |  |  | 543 |  |  |  | 1,848 |  |  |  | 872 |  |  |  | 436 |  |  |  | 1,308 |
Single family owner occupied |  |  | 6,160 |  |  |  | 1,011 |  |  |  | 7,171 |  |  |  | 5,219 |  |  |  | 831 |  |  |  | 6,050 |
Owner occupied construction |  |  | — |  |  |  | 170 |  |  |  | 170 |  |  |  | — |  |  |  | 59 |  |  |  | 59 |
Consumer and other loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Consumer loans |  |  | 86 |  |  |  | — |  |  |  | 86 |  |  |  | 126 |  |  |  | — |  |  |  | 126 |
Other |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Total |  |  | 29,125 |  |  |  | 3,889 |  |  |  | 33,014 |  |  |  | 23,923 |  |  |  | 4,323 |  |  |  | 28,246 |
Acquired impaired loans |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 8 |  |  |  | — |  |  |  | 8 |
Total nonaccrual loans |  | $ | 29,125 |  |  | $ | 3,889 |  |  | $ | 33,014 |  |  | $ | 23,931 |  |  | $ | 4,323 |  |  | $ | 28,254 |
Aging of Past Due Loans by Loan Class | The following tables present the aging of past due loans, by loan class, at June 30, 2013, and December 31, 2012. 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, 2013, and December 31, 2012. Acquired loans that are past due continue to accrue interest through the accretable yield under the accretion method of accounting and therefore are not considered to be nonaccrual.
|  | June 30, 2013 |
|  | 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, development, and other land |  | $ | 322 |  |  | $ | 194 |  |  | $ | 4,964 |  |  | $ | 5,480 |  |  | $ | 46,718 |  |  | $ | 52,198 |
Commercial and industrial |  |  | 228 |  |  |  | 37 |  |  |  | 1,280 |  |  |  | 1,545 |  |  |  | 90,903 |  |  |  | 92,448 |
Multi-family residential |  |  | — |  |  |  | — |  |  |  | 20 |  |  |  | 20 |  |  |  | 59,516 |  |  |  | 59,536 |
Single family non-owner occupied |  |  | 631 |  |  |  | 679 |  |  |  | 1,306 |  |  |  | 2,616 |  |  |  | 131,591 |  |  |  | 134,207 |
Non-farm, non-residential |  |  | 1,115 |  |  |  | 914 |  |  |  | 4,648 |  |  |  | 6,677 |  |  |  | 448,547 |  |  |  | 455,224 |
Agricultural |  |  | 11 |  |  |  | — |  |  |  | — |  |  |  | 11 |  |  |  | 2,382 |  |  |  | 2,393 |
Farmland |  |  | 511 |  |  |  | 83 |  |  |  | — |  |  |  | 594 |  |  |  | 33,760 |  |  |  | 34,354 |
Consumer real estate loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Home equity lines |  |  | 631 |  |  |  | 39 |  |  |  | 942 |  |  |  | 1,612 |  |  |  | 108,208 |  |  |  | 109,820 |
Single family owner occupied |  |  | 4,129 |  |  |  | 468 |  |  |  | 1,768 |  |  |  | 6,365 |  |  |  | 466,847 |  |  |  | 473,212 |
Owner occupied construction |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 21,276 |  |  |  | 21,276 |
Consumer and other loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Consumer loans |  |  | 390 |  |  |  | 30 |  |  |  | 54 |  |  |  | 474 |  |  |  | 68,528 |  |  |  | 69,002 |
Other |  |  | 3 |  |  |  | — |  |  |  | — |  |  |  | 3 |  |  |  | 3,749 |  |  |  | 3,752 |
Total non-covered loans |  | $ | 7,971 |  |  | $ | 2,444 |  |  | $ | 14,982 |  |  | $ | 25,397 |  |  | $ | 1,482,025 |  |  | $ | 1,507,422 |
|  | June 30, 2013 |
|  | 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, development, and other land |  | $ | 101 |  |  | $ | — |  |  | $ | 700 |  |  | $ | 801 |  |  | $ | 22,266 |  |  | $ | 23,067 |
Commercial and industrial |  |  | 116 |  |  |  | 21 |  |  |  | — |  |  |  | 137 |  |  |  | 4,275 |  |  |  | 4,412 |
Multi-family residential |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 2,434 |  |  |  | 2,434 |
Single family non-owner occupied |  |  | — |  |  |  | 93 |  |  |  | 26 |  |  |  | 119 |  |  |  | 9,631 |  |  |  | 9,750 |
Non-farm, non-residential |  |  | — |  |  |  | — |  |  |  | 627 |  |  |  | 627 |  |  |  | 40,573 |  |  |  | 41,200 |
Agricultural |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 31 |  |  |  | 31 |
Farmland |  |  | — |  |  |  | 309 |  |  |  | — |  |  |  | 309 |  |  |  | 925 |  |  |  | 1,234 |
Consumer real estate loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Home equity lines |  |  | 85 |  |  |  | 9 |  |  |  | 162 |  |  |  | 256 |  |  |  | 76,876 |  |  |  | 77,132 |
Single family owner occupied |  |  | 884 |  |  |  | 81 |  |  |  | 455 |  |  |  | 1,420 |  |  |  | 19,047 |  |  |  | 20,467 |
Owner occupied construction |  |  | — |  |  |  | — |  |  |  | 170 |  |  |  | 170 |  |  |  | 1,468 |  |  |  | 1,638 |
Consumer and other loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Consumer loans |  |  | 333 |  |  |  | — |  |  |  | — |  |  |  | 333 |  |  |  | 2,378 |  |  |  | 2,711 |
Other |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Total covered loans |  | $ | 1,519 |  |  | $ | 513 |  |  | $ | 2,140 |  |  | $ | 4,172 |  |  | $ | 179,904 |  |  | $ | 184,076 |
|  | December 31, 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, development, and other land |  | $ | 344 |  |  | $ | — |  |  | $ | 188 |  |  | $ | 532 |  |  | $ | 56,902 |  |  | $ | 57,434 |
Commercial and industrial |  |  | 387 |  |  |  | 84 |  |  |  | 1,432 |  |  |  | 1,903 |  |  |  | 86,835 |  |  |  | 88,738 |
Multi-family residential |  |  | 624 |  |  |  | — |  |  |  | — |  |  |  | 624 |  |  |  | 65,070 |  |  |  | 65,694 |
Single family non-owner occupied |  |  | 1,841 |  |  |  | 1,348 |  |  |  | 3,715 |  |  |  | 6,904 |  |  |  | 129,008 |  |  |  | 135,912 |
Non-farm, non-residential |  |  | 2,702 |  |  |  | 936 |  |  |  | 3,621 |  |  |  | 7,259 |  |  |  | 441,551 |  |  |  | 448,810 |
Agricultural |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 1,709 |  |  |  | 1,709 |
Farmland |  |  | 216 |  |  |  | 196 |  |  |  | — |  |  |  | 412 |  |  |  | 34,158 |  |  |  | 34,570 |
Consumer real estate loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Home equity lines |  |  | 315 |  |  |  | 93 |  |  |  | 495 |  |  |  | 903 |  |  |  | 110,178 |  |  |  | 111,081 |
Single family owner occupied |  |  | 6,564 |  |  |  | 1,176 |  |  |  | 1,644 |  |  |  | 9,384 |  |  |  | 464,163 |  |  |  | 473,547 |
Owner occupied construction |  |  | 382 |  |  |  | — |  |  |  | — |  |  |  | 382 |  |  |  | 15,841 |  |  |  | 16,223 |
Consumer and other loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Consumer loans |  |  | 715 |  |  |  | 73 |  |  |  | 47 |  |  |  | 835 |  |  |  | 77,328 |  |  |  | 78,163 |
Other |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 5,666 |  |  |  | 5,666 |
Total non-covered loans |  | $ | 14,090 |  |  | $ | 3,906 |  |  | $ | 11,142 |  |  | $ | 29,138 |  |  | $ | 1,488,409 |  |  | $ | 1,517,547 |
|  | December 31, 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, development, and other land |  | $ | 252 |  |  | $ | 161 |  |  | $ | 1,121 |  |  | $ | 1,534 |  |  | $ | 25,061 |  |  | $ | 26,595 |
Commercial and industrial |  |  | 45 |  |  |  | — |  |  |  | — |  |  |  | 45 |  |  |  | 6,903 |  |  |  | 6,948 |
Multi-family residential |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 2,611 |  |  |  | 2,611 |
Single family non-owner occupied |  |  | 8 |  |  |  | — |  |  |  | 21 |  |  |  | 29 |  |  |  | 11,399 |  |  |  | 11,428 |
Non-farm, non-residential |  |  | 501 |  |  |  | — |  |  |  | 927 |  |  |  | 1,428 |  |  |  | 47,137 |  |  |  | 48,565 |
Agricultural |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 144 |  |  |  | 144 |
Farmland |  |  | 6 |  |  |  | — |  |  |  | — |  |  |  | 6 |  |  |  | 1,085 |  |  |  | 1,091 |
Consumer real estate loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Home equity lines |  |  | 217 |  |  |  | 112 |  |  |  | 204 |  |  |  | 533 |  |  |  | 80,912 |  |  |  | 81,445 |
Single family owner occupied |  |  | 413 |  |  |  | 135 |  |  |  | 475 |  |  |  | 1,023 |  |  |  | 21,938 |  |  |  | 22,961 |
Owner occupied construction |  |  | — |  |  |  | — |  |  |  | 59 |  |  |  | 59 |  |  |  | 1,585 |  |  |  | 1,644 |
Consumer and other loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Consumer loans |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 3,674 |  |  |  | 3,674 |
Other |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Total covered loans |  | $ | 1,442 |  |  | $ | 408 |  |  | $ | 2,807 |  |  | $ | 4,657 |  |  | $ | 202,449 |  |  | $ | 207,106 |
Loans Modified as Troubled Debt Restructurings Excluding on Nonaccrual Status | The following table presents information for loans modified as TDRs that were restructured during the three and six months ended June 30, 2013 and 2012 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, |
|  | 2013 |  |  | 2012 |
(Amounts in thousands) |  | Total Contracts |  |  | Pre-Modification Recorded Investment |  |  | Post-Modification Recorded Investment |  |  | Total Contracts |  |  | Pre-Modification Recorded Investment |  |  | Post-Modification Recorded Investment |
Extended payment term |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Single family owner occupied |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 1 |  |  | $ | 351 |  |  | $ | 319 |
Total |  |  | — |  |  | $ | — |  |  | $ | — |  |  |  | 1 |  |  | $ | 351 |  |  | $ | 319 |
|  | Six Months Ended June 30, |
|  | 2013 |  |  | 2012 |
(Amounts in thousands) |  | Total Contracts |  |  | Pre-Modification Recorded Investment |  |  | Post-Modification Recorded Investment |  |  | Total Contracts |  |  | Pre-Modification Recorded Investment |  |  | Post-Modification Recorded Investment |
Extended payment term |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Single family owner occupied |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 1 |  |  | $ | 351 |  |  | $ | 319 |
Total |  |  | — |  |  | $ | — |  |  | $ | — |  |  |  | 1 |  |  | $ | 351 |  |  | $ | 319 |

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