XML 37 R25.htm IDEA: XBRL DOCUMENT
v2.4.0.8

Allowance for Loan Losses and Credit Quality Indicators (Tables) | 9 Months Ended
--- | ---
Sep. 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 September 30, |
|  | 2013 |  |  | 2012 |
|  |  |  |  | Consumer |  |  | Consumer |  |  |  |  |  |  |  |  | Consumer |  |  | Consumer |  |  |  |
|  | Commercial |  |  | Real Estate |  |  | and Other |  |  | Total |  |  | Commercial |  |  | Real Estate |  |  | and Other |  |  | Total |
(Amounts in thousands) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Allowance excluding acquired impaired |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Beginning balance |  | $ | 15,873 |  |  | $ | 6,658 |  |  | $ | 583 |  |  | $ | 23,114 |  |  | $ | 18,249 |  |  | $ | 7,272 |  |  | $ | 642 |  |  | $ | 26,163 |
Provision for loan losses charged to operations |  |  | 1,551 |  |  |  | (807 | ) |  |  | 1,366 |  |  |  | 2,110 |  |  |  | 436 |  |  |  | 1,289 |  |  |  | 191 |  |  |  | 1,916 |
Loans charged off |  |  | (1,503 | ) |  |  | 1,035 |  |  |  | (1,487 | ) |  |  | (1,955 | ) |  |  | (1,184 | ) |  |  | (1,126 | ) |  |  | (303 | ) |  |  | (2,613 | )
Recoveries credited to allowance |  |  | 136 |  |  |  | 30 |  |  |  | 187 |  |  |  | 353 |  |  |  | 198 |  |  |  | 63 |  |  |  | 100 |  |  |  | 361 |
Net charge-offs |  |  | (1,367 | ) |  |  | 1,065 |  |  |  | (1,300 | ) |  |  | (1,602 | ) |  |  | (986 | ) |  |  | (1,063 | ) |  |  | (203 | ) |  |  | (2,252 | )
Ending balance |  | $ | 16,057 |  |  | $ | 6,916 |  |  | $ | 649 |  |  | $ | 23,622 |  |  | $ | 17,699 |  |  | $ | 7,498 |  |  | $ | 630 |  |  | $ | 25,827 |
Acquired impaired allowance |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Beginning balance |  | $ | 8 |  |  | $ | — |  |  | $ | — |  |  | $ | 8 |  |  | $ | 8 |  |  | $ | — |  |  | $ | — |  |  | $ | 8 |
Acquired impaired provision |  |  | 158 |  |  |  | 877 |  |  |  | — |  |  |  | 1,035 |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Benefit attributable to FDIC indemnificaton asset |  |  | (242 | ) |  |  | (570 | ) |  |  | — |  |  |  | (812 | ) |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Provision for loan losses charged to operations |  |  | (84 | ) |  |  | 307 |  |  |  | — |  |  |  | 223 |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Provision for loan losses recorded through the FDIC indemnificaton asset |  |  | 242 |  |  |  | 570 |  |  |  | — |  |  |  | 812 |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Loans charged off |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Recoveries credited to allowance |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Net charge-offs |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Ending balance |  | $ | 166 |  |  | $ | 877 |  |  | $ | — |  |  | $ | 1,043 |  |  | $ | 8 |  |  | $ | — |  |  | $ | — |  |  | $ | 8 |
Total allowance for loan losses |  | $ | 16,223 |  |  | $ | 7,793 |  |  | $ | 649 |  |  | $ | 24,665 |  |  | $ | 17,707 |  |  | $ | 7,498 |  |  | $ | 630 |  |  | $ | 25,835 |
|  | Nine Months Ended September 30, |
|  | 2013 |  |  | 2012 |
|  |  |  |  | Consumer |  |  | Consumer |  |  |  |  |  |  |  |  | Consumer |  |  | Consumer |  |  |  |
|  | Commercial |  |  | Real Estate |  |  | and Other |  |  | Total |  |  | Commercial |  |  | Real Estate |  |  | and Other |  |  | Total |
(Amounts in thousands) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Allowance excluding acquired impaired |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Beginning balance |  | $ | 17,259 |  |  | $ | 7,906 |  |  | $ | 597 |  |  | $ | 25,762 |  |  | $ | 17,551 |  |  | $ | 7,711 |  |  | $ | 742 |  |  | $ | 26,004 |
Provision for loan losses charged to operations |  |  | 4,338 |  |  |  | 422 |  |  |  | 1,697 |  |  |  | 6,457 |  |  |  | 1,928 |  |  |  | 2,475 |  |  |  | 248 |  |  |  | 4,651 |
Loans charged off |  |  | (5,732 | ) |  |  | (1,643 | ) |  |  | (2,345 | ) |  |  | (9,720 | ) |  |  | (2,353 | ) |  |  | (2,802 | ) |  |  | (632 | ) |  |  | (5,787 | )
Recoveries credited to allowance |  |  | 192 |  |  |  | 231 |  |  |  | 700 |  |  |  | 1,123 |  |  |  | 573 |  |  |  | 114 |  |  |  | 272 |  |  |  | 959 |
Net charge-offs |  |  | (5,540 | ) |  |  | (1,412 | ) |  |  | (1,645 | ) |  |  | (8,597 | ) |  |  | (1,780 | ) |  |  | (2,688 | ) |  |  | (360 | ) |  |  | (4,828 | )
Ending balance |  | $ | 16,057 |  |  | $ | 6,916 |  |  | $ | 649 |  |  | $ | 23,622 |  |  | $ | 17,699 |  |  | $ | 7,498 |  |  | $ | 630 |  |  | $ | 25,827 |
Acquired impaired allowance |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Beginning balance |  | $ | 8 |  |  | $ | — |  |  | $ | — |  |  | $ | 8 |  |  | $ | 201 |  |  | $ | — |  |  | $ | — |  |  | $ | 201 |
Acquired impaired provision |  |  | 158 |  |  |  | 877 |  |  |  | — |  |  |  | 1,035 |  |  |  | (193 | ) |  |  | — |  |  |  | — |  |  |  | (193 | )
Benefit attributable to FDIC indemnificaton asset |  |  | (242 | ) |  |  | (570 | ) |  |  | — |  |  |  | (812 | ) |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Provision for loan losses charged to operations |  |  | (84 | ) |  |  | 307 |  |  |  | — |  |  |  | 223 |  |  |  | (193 | ) |  |  | — |  |  |  | — |  |  |  | (193 | )
Provision for loan losses recorded through the FDIC indemnificaton asset |  |  | 242 |  |  |  | 570 |  |  |  | — |  |  |  | 812 |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Loans charged off |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Recoveries credited to allowance |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Net charge-offs |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Ending balance |  | $ | 166 |  |  | $ | 877 |  |  | $ | — |  |  | $ | 1,043 |  |  | $ | 8 |  |  | $ | — |  |  | $ | — |  |  | $ | 8 |
Total allowance for loan losses |  | $ | 16,223 |  |  | $ | 7,793 |  |  | $ | 649 |  |  | $ | 24,665 |  |  | $ | 17,707 |  |  | $ | 7,498 |  |  | $ | 630 |  |  | $ | 25,835 |
Recorded Investment in Loans Considered to be Impaired and Related Information on Impaired Loans | The following tables present the Company’s recorded investment in loans considered to be impaired, excluding purchased credit impaired loans, and related information on those loans for the periods indicated:
|  | September 30, 2013 |  |  | December 31, 2012 |
|  |  |  |  | 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, development, and other land |  | $ | 4,229 |  |  | $ | 6,376 |  |  | $ | — |  |  | $ | 2,916 |  |  | $ | 2,916 |  |  | $ | — |
Commercial and industrial |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 284 |  |  |  | 284 |  |  |  | — |
Multi-family residential |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Single family non-owner occupied |  |  | 289 |  |  |  | 317 |  |  |  | — |  |  |  | 383 |  |  |  | 684 |  |  |  | — |
Non-farm, non-residential |  |  | 7,408 |  |  |  | 8,192 |  |  |  | — |  |  |  | 5,282 |  |  |  | 5,362 |  |  |  | — |
Agricultural |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Farmland |  |  | 659 |  |  |  | 668 |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Consumer real estate loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Home equity lines |  |  | 541 |  |  |  | 546 |  |  |  | — |  |  |  | 276 |  |  |  | 277 |  |  |  | — |
Single family owner occupied |  |  | 2,448 |  |  |  | 2,751 |  |  |  | — |  |  |  | 277 |  |  |  | 383 |  |  |  | — |
Owner occupied construction |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Consumer and other loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Consumer loans |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Total impaired loans with no allowance |  |  | 15,574 |  |  |  | 18,850 |  |  |  | — |  |  |  | 9,418 |  |  |  | 9,906 |  |  |  | — |
Impaired loans with a related allowance: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Construction, development, and other land |  |  | 459 |  |  |  | 459 |  |  |  | 347 |  |  |  | — |  |  |  | — |  |  |  | — |
Commercial and industrial |  |  | 4,743 |  |  |  | 10,084 |  |  |  | 3,648 |  |  |  | 3,318 |  |  |  | 8,502 |  |  |  | 3,192 |
Multi-family residential |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 378 |  |  |  | 397 |  |  |  | 18 |
Single family non-owner occupied |  |  | 313 |  |  |  | 365 |  |  |  | 38 |  |  |  | 2,411 |  |  |  | 2,460 |  |  |  | 996 |
Non-farm, non-residential |  |  | 606 |  |  |  | 606 |  |  |  | 7 |  |  |  | 2,781 |  |  |  | 2,958 |  |  |  | 358 |
Agricultural |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Farmland |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Consumer real estate loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Home equity lines |  |  | 519 |  |  |  | 535 |  |  |  | 434 |  |  |  | 223 |  |  |  | 230 |  |  |  | 223 |
Single family owner occupied |  |  | 4,930 |  |  |  | 5,092 |  |  |  | 782 |  |  |  | 4,673 |  |  |  | 4,903 |  |  |  | 806 |
Owner occupied construction |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Consumer and other loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Consumer loans |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Total impaired loans with an allowance |  |  | 11,570 |  |  |  | 17,141 |  |  |  | 5,256 |  |  |  | 13,784 |  |  |  | 19,450 |  |  |  | 5,593 |
Total impaired loans |  | $ | 27,144 |  |  | $ | 35,991 |  |  | $ | 5,256 |  |  | $ | 23,202 |  |  | $ | 29,356 |  |  | $ | 5,593 |
|  | For the Three Months Ended |  |  | For the Nine Months Ended |
|  | September 30, 2013 |  |  | September 30, 2013 |
|  | Average |  |  | Interest |  |  | Average |  |  | Interest |
|  | Recorded |  |  | Income |  |  | Recorded |  |  | Income |
(Amounts in thousands) |  | Investment |  |  | Recognized |  |  | Investment |  |  | Recognized |
Impaired loans with no related allowance: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Construction, development, and other land |  | $ | 6,375 |  |  | $ | 40 |  |  | $ | 5,133 |  |  | $ | 591 |
Commercial and industrial |  |  | — |  |  |  | — |  |  |  | 834 |  |  |  | 16 |
Multi-family residential |  |  | — |  |  |  | — |  |  |  | 24 |  |  |  | 5 |
Single family non-owner occupied |  |  | 317 |  |  |  | — |  |  |  | 1,146 |  |  |  | 182 |
Non-farm, non-residential |  |  | 8,194 |  |  |  | — |  |  |  | 7,739 |  |  |  | 630 |
Agricultural |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Farmland |  |  | 667 |  |  |  | 3 |  |  |  | 372 |  |  |  | 18 |
Consumer real estate loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Home equity lines |  |  | 546 |  |  |  | — |  |  |  | 518 |  |  |  | 66 |
Single family owner occupied |  |  | 2,794 |  |  |  | — |  |  |  | 2,069 |  |  |  | 145 |
Owner occupied construction |  |  | — |  |  |  | — |  |  |  | 20 |  |  |  | 5 |
Consumer and other loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Consumer loans |  |  | — |  |  |  | — |  |  |  | 4 |  |  |  | — |
Total impaired loans with no allowance |  |  | 18,893 |  |  |  | 43 |  |  |  | 17,859 |  |  |  | 1,658 |
Impaired loans with a related allowance: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Construction, development, and other land |  |  | 463 |  |  |  | — |  |  |  | 1,409 |  |  |  | 141 |
Commercial and industrial |  |  | 5,328 |  |  |  | 11 |  |  |  | 4,009 |  |  |  | 11 |
Multi-family residential |  |  | — |  |  |  | — |  |  |  | 126 |  |  |  | 7 |
Single family non-owner occupied |  |  | 365 |  |  |  | — |  |  |  | 1,064 |  |  |  | 8 |
Non-farm, non-residential |  |  | 606 |  |  |  | — |  |  |  | 1,791 |  |  |  | 52 |
Agricultural |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Farmland |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Consumer real estate loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Home equity lines |  |  | 535 |  |  |  | 9 |  |  |  | 329 |  |  |  | 14 |
Single family owner occupied |  |  | 5,093 |  |  |  | 13 |  |  |  | 4,318 |  |  |  | 54 |
Owner occupied construction |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Consumer and other loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Consumer loans |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Total impaired loans with an allowance |  |  | 12,390 |  |  |  | 33 |  |  |  | 13,046 |  |  |  | 287 |
Total impaired loans |  | $ | 31,283 |  |  | $ | 76 |  |  | $ | 30,905 |  |  | $ | 1,945 |
|  | For the Three Months Ended |  |  | For the Nine Months Ended |
|  | September 30, 2012 |  |  | September 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, development, and other land |  | $ | 784 |  |  | $ | — |  |  | $ | 1,296 |  |  | $ | — |
Commercial and industrial |  |  | 449 |  |  |  | 3 |  |  |  | 559 |  |  |  | 13 |
Multi-family residential |  |  | 591 |  |  |  | — |  |  |  | 1,146 |  |  |  | 4 |
Single family non-owner occupied |  |  | 954 |  |  |  | 4 |  |  |  | 524 |  |  |  | 29 |
Non-farm, non-residential |  |  | 1,584 |  |  |  | 41 |  |  |  | 2,872 |  |  |  | 65 |
Agricultural |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Farmland |  |  | 372 |  |  |  | — |  |  |  | 508 |  |  |  | — |
Consumer real estate loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Home equity lines |  |  | 321 |  |  |  | — |  |  |  | 592 |  |  |  | 20 |
Single family owner occupied |  |  | 4,456 |  |  |  | 38 |  |  |  | 5,727 |  |  |  | 113 |
Owner occupied construction |  |  | — |  |  |  | — |  |  |  | 1 |  |  |  | — |
Consumer and other loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Consumer loans |  |  | — |  |  |  | — |  |  |  | 26 |  |  |  | — |
Total impaired loans with no allowance |  |  | 9,511 |  |  |  | 86 |  |  |  | 13,251 |  |  |  | 244 |
Impaired loans with a related allowance: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Construction, development, and other land |  |  | 55 |  |  |  | — |  |  |  | 55 |  |  |  | 1 |
Commercial and industrial |  |  | 3,600 |  |  |  | — |  |  |  | 3,662 |  |  |  | 163 |
Multi-family residential |  |  | 193 |  |  |  | — |  |  |  | 1,309 |  |  |  | — |
Single family non-owner occupied |  |  | 2,066 |  |  |  | — |  |  |  | 619 |  |  |  | 57 |
Non-farm, non-residential |  |  | 6,454 |  |  |  | 90 |  |  |  | 5,802 |  |  |  | 291 |
Agricultural |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Farmland |  |  | 372 |  |  |  | — |  |  |  | 372 |  |  |  | — |
Consumer real estate loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Home equity lines |  |  | 125 |  |  |  | — |  |  |  | 83 |  |  |  | — |
Single family owner occupied |  |  | 3,355 |  |  |  | 15 |  |  |  | 4,827 |  |  |  | 66 |
Owner occupied construction |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Consumer and other loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Consumer loans |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Total impaired loans with an allowance |  |  | 16,220 |  |  |  | 105 |  |  |  | 16,729 |  |  |  | 578 |
Total impaired loans |  | $ | 25,731 |  |  | $ | 191 |  |  | $ | 29,980 |  |  | $ | 822 |
Investment in Loans Related to Each Segment | The following tables detail the Company’s recorded investment in loans, excluding purchased credit impaired 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 September 30, 2013, and December 31, 2012.
|  | September 30, 2013 |
|  | Non-acquired |  |  | Allowance |  |  | Loans |  |  | Allowance |
|  | Loans Individually |  |  | for Loans |  |  | Collectively |  |  | for Loans |
|  | Evaluated for |  |  | Individually |  |  | Evaluated for |  |  | Collectively |
(Amounts in thousands) |  | Impairment |  |  | Evaluated |  |  | Impairment |  |  | Evaluated |
Commercial loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Construction, development, and other land |  | $ | 4,688 |  |  | $ | 347 |  |  | $ | 61,896 |  |  | $ | 1,476 |
Commercial and industrial |  |  | 4,743 |  |  |  | 3,648 |  |  |  | 93,951 |  |  |  | 1,462 |
Multi-family residential |  |  | — |  |  |  | — |  |  |  | 57,555 |  |  |  | 1,008 |
Single family non-owner occupied |  |  | 602 |  |  |  | 38 |  |  |  | 133,191 |  |  |  | 3,363 |
Non-farm, non-residential |  |  | 8,014 |  |  |  | 7 |  |  |  | 461,592 |  |  |  | 4,399 |
Agricultural |  |  | — |  |  |  | — |  |  |  | 2,450 |  |  |  | 19 |
Farmland |  |  | 659 |  |  |  | — |  |  |  | 32,137 |  |  |  | 290 |
Total commercial loans |  |  | 18,706 |  |  |  | 4,040 |  |  |  | 842,772 |  |  |  | 12,017 |
Consumer real estate loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Home equity lines |  |  | 1,060 |  |  |  | 434 |  |  |  | 135,868 |  |  |  | 1,267 |
Single family owner occupied |  |  | 7,378 |  |  |  | 782 |  |  |  | 498,208 |  |  |  | 4,230 |
Owner occupied construction |  |  | — |  |  |  | — |  |  |  | 25,813 |  |  |  | 203 |
Total consumer real estate loans |  |  | 8,438 |  |  |  | 1,216 |  |  |  | 659,889 |  |  |  | 5,700 |
Consumer and other loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Consumer loans |  |  | — |  |  |  | — |  |  |  | 71,751 |  |  |  | 649 |
Other |  |  | — |  |  |  | — |  |  |  | 4,708 |  |  |  | — |
Total consumer and other loans |  |  | — |  |  |  | — |  |  |  | 76,459 |  |  |  | 649 |
Total loans |  | $ | 27,144 |  |  | $ | 5,256 |  |  | $ | 1,579,120 |  |  | $ | 18,366 |
|  | December 31, 2012 |
|  | Non-acquired |  |  | Allowance |  |  | Loans |  |  | Allowance |
|  | Loans Individually |  |  | for Loans |  |  | Collectively |  |  | for Loans |
|  | Evaluated for |  |  | Individually |  |  | Evaluated for |  |  | Collectively |
(Amounts in thousands) |  | Impairment |  |  | Evaluated |  |  | Impairment |  |  | Evaluated |
Commercial loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Construction, development, and other land |  | $ | 2,916 |  |  | $ | — |  |  | $ | 55,369 |  |  | $ | 1,214 |
Commercial and industrial |  |  | 3,602 |  |  |  | 3,192 |  |  |  | 88,811 |  |  |  | 1,159 |
Multi-family residential |  |  | 378 |  |  |  | 18 |  |  |  | 67,278 |  |  |  | 1,612 |
Single family non-owner occupied |  |  | 2,794 |  |  |  | 996 |  |  |  | 134,323 |  |  |  | 3,371 |
Non-farm, non-residential |  |  | 8,063 |  |  |  | 358 |  |  |  | 451,240 |  |  |  | 4,901 |
Agricultural |  |  | — |  |  |  | — |  |  |  | 1,852 |  |  |  | 22 |
Farmland |  |  | — |  |  |  | — |  |  |  | 34,779 |  |  |  | 416 |
Total commercial loans |  |  | 17,753 |  |  |  | 4,564 |  |  |  | 833,652 |  |  |  | 12,695 |
Consumer real estate loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Home equity lines |  |  | 499 |  |  |  | 223 |  |  |  | 141,684 |  |  |  | 1,351 |
Single family owner occupied |  |  | 4,950 |  |  |  | 806 |  |  |  | 483,553 |  |  |  | 5,189 |
Owner occupied construction |  |  | — |  |  |  | — |  |  |  | 16,768 |  |  |  | 337 |
Total consumer real estate loans |  |  | 5,449 |  |  |  | 1,029 |  |  |  | 642,005 |  |  |  | 6,877 |
Consumer and other loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Consumer loans |  |  | — |  |  |  | — |  |  |  | 81,037 |  |  |  | 597 |
Other |  |  | — |  |  |  | — |  |  |  | 5,666 |  |  |  | — |
Total consumer and other loans |  |  | — |  |  |  | — |  |  |  | 86,703 |  |  |  | 597 |
Total loans |  | $ | 23,202 |  |  | $ | 5,593 |  |  | $ | 1,562,360 |  |  | $ | 20,169 |
Recorded Investment in Purchased Credit Impaired Loans and Allowance for Loan Losses by Loan Pool | The following table details the Company’s recorded investment in purchased credit impaired loans and the allowance for loan losses by loan pool at September 30, 2013, and December 31, 2012.
|  | September 30, 2013 |  |  | December 31, 2012 |
|  | Acquired |  |  | Allowance |  |  | Acquired |  |  | Allowance |
|  | Impaired Loans |  |  | for Acquired |  |  | Impaired Loans |  |  | for Acquired |
|  | Evaluated for |  |  | Impaired Loans |  |  | Evaluated for |  |  | Impaired Loans |
(Amounts in thousands) |  | Impairment |  |  | Evaluated |  |  | Impairment |  |  | Evaluated |
Commercial loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Waccamaw commercial |  | $ | 22,299 |  |  | $ | — |  |  | $ | 40,688 |  |  | $ | — |
Waccamaw lines of credit |  |  | 4,077 |  |  |  | 158 |  |  |  | 10,009 |  |  |  | — |
Peoples commercial |  |  | 9,331 |  |  |  | — |  |  |  | 23,670 |  |  |  | — |
Other |  |  | 2,015 |  |  |  | 8 |  |  |  | 2,340 |  |  |  | 8 |
Total commercial loans |  |  | 37,722 |  |  |  | 166 |  |  |  | 76,707 |  |  |  | 8 |
Consumer real estate loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Waccamaw serviced home equity lines |  |  | 44,407 |  |  |  | 443 |  |  |  | 50,343 |  |  |  | — |
Waccamaw residential |  |  | 5,631 |  |  |  | 270 |  |  |  | 8,974 |  |  |  | — |
Peoples residential |  |  | 2,630 |  |  |  | 164 |  |  |  | 3,237 |  |  |  | — |
Total consumer real estate loans |  |  | 52,668 |  |  |  | 877 |  |  |  | 62,554 |  |  |  | — |
Consumer and other loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Waccamaw consumer |  |  | 43 |  |  |  | — |  |  |  | 101 |  |  |  | — |
Total loans |  | $ | 90,433 |  |  | $ | 1,043 |  |  | $ | 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 September 30, 2013, and December 31, 2012. Purchased credit impaired loan pools have been disaggregated in the following tables for disclosure purposes. Non-covered special mention and substandard loans declined between December 31, 2012, and September 30, 2013, due primarily to loan work-out activity across the portfolio coupled with continued credit improvement in the Peoples’ acquired loan portfolio.
|  | September 30, 2013 |
|  |  |  |  | Special |  |  |  |  |  |  |  |  |  |  |  |  |
(Amounts in thousands) |  | Pass |  |  | Mention |  |  | Substandard |  |  | Doubtful |  |  | Loss |  |  | Total |
Non-covered loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Construction, development, and other land |  | $ | 46,431 |  |  | $ | 1,371 |  |  | $ | 7,007 |  |  | $ | 982 |  |  | $ | — |  |  | $ | 55,791 |
Commercial and industrial |  |  | 87,129 |  |  |  | 1,338 |  |  |  | 3,550 |  |  |  | 3,955 |  |  |  | — |  |  |  | 95,972 |
Multi-family residential |  |  | 53,093 |  |  |  | 2,262 |  |  |  | 724 |  |  |  | — |  |  |  | — |  |  |  | 56,079 |
Single family non-owner occupied |  |  | 118,079 |  |  |  | 4,455 |  |  |  | 9,579 |  |  |  | 140 |  |  |  | — |  |  |  | 132,253 |
Non-farm, non-residential |  |  | 417,892 |  |  |  | 15,729 |  |  |  | 21,253 |  |  |  | 373 |  |  |  | — |  |  |  | 455,247 |
Agricultural |  |  | 2,252 |  |  |  | 11 |  |  |  | 11 |  |  |  | — |  |  |  | — |  |  |  | 2,274 |
Farmland |  |  | 26,974 |  |  |  | 1,695 |  |  |  | 3,216 |  |  |  | — |  |  |  | — |  |  |  | 31,885 |
Consumer real estate loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Home equity lines |  |  | 104,582 |  |  |  | 1,384 |  |  |  | 3,125 |  |  |  | 520 |  |  |  | — |  |  |  | 109,611 |
Single family owner occupied |  |  | 455,194 |  |  |  | 8,018 |  |  |  | 29,212 |  |  |  | — |  |  |  | — |  |  |  | 492,424 |
Owner occupied construction |  |  | 25,349 |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 25,349 |
Consumer and other loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Consumer loans |  |  | 70,313 |  |  |  | 898 |  |  |  | 465 |  |  |  | 3 |  |  |  | — |  |  |  | 71,679 |
Other |  |  | 4,696 |  |  |  | 2 |  |  |  | 10 |  |  |  | — |  |  |  | — |  |  |  | 4,708 |
Total non-covered loans |  | $ | 1,411,984 |  |  | $ | 37,163 |  |  | $ | 78,152 |  |  | $ | 5,973 |  |  | $ | — |  |  | $ | 1,533,272 |
|  | September 30, 2013 |
|  |  |  |  | Special |  |  |  |  |  |  |  |  |  |  |  |  |
(Amounts in thousands) |  | Pass |  |  | Mention |  |  | Substandard |  |  | Doubtful |  |  | Loss |  |  | Total |
Covered loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Construction, development, and other land |  | $ | 10,183 |  |  | $ | 1,292 |  |  | $ | 6,423 |  |  | $ | 81 |  |  | $ | — |  |  | $ | 17,979 |
Commercial and industrial |  |  | 3,299 |  |  |  | 400 |  |  |  | 218 |  |  |  | 34 |  |  |  | — |  |  |  | 3,951 |
Multi-family residential |  |  | 1,476 |  |  |  | — |  |  |  | 527 |  |  |  | — |  |  |  | — |  |  |  | 2,003 |
Single family non-owner occupied |  |  | 4,471 |  |  |  | 1,645 |  |  |  | 2,007 |  |  |  | 19 |  |  |  | — |  |  |  | 8,142 |
Non-farm, non-residential |  |  | 15,536 |  |  |  | 4,835 |  |  |  | 17,340 |  |  |  | 40 |  |  |  | — |  |  |  | 37,751 |
Agricultural |  |  | 176 |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 176 |
Farmland |  |  | 676 |  |  |  | — |  |  |  | 338 |  |  |  | — |  |  |  | — |  |  |  | 1,014 |
Consumer real estate loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Home equity lines |  |  | 15,378 |  |  |  | 10,690 |  |  |  | 45,632 |  |  |  | 24 |  |  |  | — |  |  |  | 71,724 |
Single family owner occupied |  |  | 12,489 |  |  |  | 82 |  |  |  | 6,560 |  |  |  | 122 |  |  |  | — |  |  |  | 19,253 |
Owner occupied construction |  |  | 203 |  |  |  | 19 |  |  |  | 1,084 |  |  |  | — |  |  |  | — |  |  |  | 1,306 |
Consumer and other loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Consumer loans |  |  | 126 |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 126 |
Other |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Total covered loans |  | $ | 64,013 |  |  | $ | 18,963 |  |  | $ | 80,129 |  |  | $ | 320 |  |  | $ | — |  |  | $ | 163,425 |
|  | December 31, 2012 |
|  |  |  |  | Special |  |  |  |  |  |  |  |  |  |  |  |  |
(Amounts in thousands) |  | Pass |  |  | 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 |
|  | December 31, 2012 |
|  |  |  |  | Special |  |  |  |  |  |  |  |  |  |  |  |  |
(Amounts in thousands) |  | Pass |  |  | Mention |  |  | Substandard |  |  | Doubtful |  |  | Loss |  |  | Total |
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 September 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.
|  | September 30, 2013 |  |  | December 31, 2012 |
(Amounts in thousands) |  | Non-covered |  |  | Covered |  |  | Total |  |  | Non-covered |  |  | Covered |  |  | Total |
Commercial loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Construction, development, and other land |  | $ | 5,065 |  |  | $ | 619 |  |  | $ | 5,684 |  |  | $ | 405 |  |  | $ | 1,990 |  |  | $ | 2,395 |
Commercial and industrial |  |  | 5,058 |  |  |  | 103 |  |  |  | 5,161 |  |  |  | 3,912 |  |  |  | 35 |  |  |  | 3,947 |
Multi-family residential |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 378 |  |  |  | — |  |  |  | 378 |
Single family non-owner occupied |  |  | 2,216 |  |  |  | 119 |  |  |  | 2,335 |  |  |  | 7,071 |  |  |  | 21 |  |  |  | 7,092 |
Non-farm, non-residential |  |  | 5,268 |  |  |  | 318 |  |  |  | 5,586 |  |  |  | 5,938 |  |  |  | 951 |  |  |  | 6,889 |
Agricultural |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 2 |  |  |  | — |  |  |  | 2 |
Farmland |  |  | 437 |  |  |  | 304 |  |  |  | 741 |  |  |  | — |  |  |  | — |  |  |  | — |
Consumer real estate loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Home equity lines |  |  | 1,417 |  |  |  | 276 |  |  |  | 1,693 |  |  |  | 872 |  |  |  | 436 |  |  |  | 1,308 |
Single family owner occupied |  |  | 6,706 |  |  |  | 1,599 |  |  |  | 8,305 |  |  |  | 5,219 |  |  |  | 831 |  |  |  | 6,050 |
Owner occupied construction |  |  | — |  |  |  | 241 |  |  |  | 241 |  |  |  | — |  |  |  | 59 |  |  |  | 59 |
Consumer and other loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Consumer loans |  |  | 222 |  |  |  | — |  |  |  | 222 |  |  |  | 126 |  |  |  | — |  |  |  | 126 |
Other |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Total |  |  | 26,389 |  |  |  | 3,579 |  |  |  | 29,968 |  |  |  | 23,923 |  |  |  | 4,323 |  |  |  | 28,246 |
Acquired impaired loans |  |  | 8 |  |  |  | — |  |  |  | 8 |  |  |  | 8 |  |  |  | — |  |  |  | 8 |
Total nonaccrual loans |  | $ | 26,397 |  |  | $ | 3,579 |  |  | $ | 29,976 |  |  | $ | 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 September 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 non-covered accruing loans contractually past due 90 days or more at September 30, 2013, and December 31, 2012. There were no covered accruing loans contractually past due 90 days or more at December 31, 2012, and $82 thousand at September 30, 2013. 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. Purchased credit impaired loan pools have been disaggregated in the following tables for disclosure purposes.
|  | September 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 |  | $ | 130 |  |  | $ | 156 |  |  | $ | 4,929 |  |  | $ | 5,215 |  |  | $ | 50,576 |  |  | $ | 55,791 |
Commercial and industrial |  |  | 438 |  |  |  | 142 |  |  |  | 1,221 |  |  |  | 1,801 |  |  |  | 94,171 |  |  |  | 95,972 |
Multi-family residential |  |  | 100 |  |  |  | — |  |  |  | — |  |  |  | 100 |  |  |  | 55,979 |  |  |  | 56,079 |
Single family non-owner occupied |  |  | 959 |  |  |  | 268 |  |  |  | 1,129 |  |  |  | 2,356 |  |  |  | 129,897 |  |  |  | 132,253 |
Non-farm, non-residential |  |  | 1,524 |  |  |  | 231 |  |  |  | 4,332 |  |  |  | 6,087 |  |  |  | 449,160 |  |  |  | 455,247 |
Agricultural |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 2,274 |  |  |  | 2,274 |
Farmland |  |  | — |  |  |  | — |  |  |  | 437 |  |  |  | 437 |  |  |  | 31,448 |  |  |  | 31,885 |
Consumer real estate loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Home equity lines |  |  | 433 |  |  |  | 101 |  |  |  | 847 |  |  |  | 1,381 |  |  |  | 108,230 |  |  |  | 109,611 |
Single family owner occupied |  |  | 3,512 |  |  |  | 713 |  |  |  | 1,998 |  |  |  | 6,223 |  |  |  | 486,201 |  |  |  | 492,424 |
Owner occupied construction |  |  | 79 |  |  |  | — |  |  |  | — |  |  |  | 79 |  |  |  | 25,270 |  |  |  | 25,349 |
Consumer and other loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Consumer loans |  |  | 472 |  |  |  | 89 |  |  |  | 158 |  |  |  | 719 |  |  |  | 70,960 |  |  |  | 71,679 |
Other |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 4,708 |  |  |  | 4,708 |
Total non-covered loans |  | $ | 7,647 |  |  | $ | 1,700 |  |  | $ | 15,051 |  |  | $ | 24,398 |  |  | $ | 1,508,874 |  |  | $ | 1,533,272 |
|  | September 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 |  | $ | 34 |  |  | $ | 59 |  |  | $ | 159 |  |  | $ | 252 |  |  | $ | 17,727 |  |  | $ | 17,979 |
Commercial and industrial |  |  | 30 |  |  |  | 58 |  |  |  | 37 |  |  |  | 125 |  |  |  | 3,826 |  |  |  | 3,951 |
Multi-family residential |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 2,003 |  |  |  | 2,003 |
Single family non-owner occupied |  |  | 72 |  |  |  | — |  |  |  | 119 |  |  |  | 191 |  |  |  | 7,951 |  |  |  | 8,142 |
Non-farm, non-residential |  |  | 144 |  |  |  | — |  |  |  | 267 |  |  |  | 411 |  |  |  | 37,340 |  |  |  | 37,751 |
Agricultural |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 176 |  |  |  | 176 |
Farmland |  |  | — |  |  |  | — |  |  |  | 304 |  |  |  | 304 |  |  |  | 710 |  |  |  | 1,014 |
Consumer real estate loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Home equity lines |  |  | 400 |  |  |  | 10 |  |  |  | 165 |  |  |  | 575 |  |  |  | 71,149 |  |  |  | 71,724 |
Single family owner occupied |  |  | 390 |  |  |  | — |  |  |  | 1,352 |  |  |  | 1,742 |  |  |  | 17,511 |  |  |  | 19,253 |
Owner occupied construction |  |  | 121 |  |  |  | 19 |  |  |  | 120 |  |  |  | 260 |  |  |  | 1,046 |  |  |  | 1,306 |
Consumer and other loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Consumer loans |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 126 |  |  |  | 126 |
Other |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Total covered loans |  | $ | 1,191 |  |  | $ | 146 |  |  | $ | 2,523 |  |  | $ | 3,860 |  |  | $ | 159,565 |  |  | $ | 163,425 |
|  | 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 tables detail loans modified as TDRs that were restructured during the three and nine months ended September 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 September 30, |
|  | 2013 |  |  | 2012 |
|  | Total |  |  | Pre-Modification |  |  | Post-Modification |  |  | Total |  |  | Pre-Modification |  |  | Post-Modification |
(Amounts in thousands) |  | Contracts |  |  | Recorded Investment |  |  | Recorded Investment |  |  | Contracts |  |  | Recorded Investment |  |  | Recorded Investment |
Below market interest rate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Single family owner occupied |  |  | 1 |  |  | $ | 359 |  |  | $ | 326 |  |  |  | — |  |  | $ | — |  |  | $ | — |
Below market interest rate and extended payment term |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Single family owner occupied |  |  | 2 |  |  |  | 642 |  |  |  | 600 |  |  |  | — |  |  |  | — |  |  |  | — |
Total |  |  | 3 |  |  | $ | 1,001 |  |  | $ | 926 |  |  |  | — |  |  | $ | — |  |  | $ | — |
|  | Nine Months Ended September 30, |
|  | 2013 |  |  | 2012 |
|  | Total |  |  | Pre-Modification |  |  | Post-Modification |  |  | Total |  |  | Pre-Modification |  |  | Post-Modification |
(Amounts in thousands) |  | Contracts |  |  | Recorded Investment |  |  | Recorded Investment |  |  | Contracts |  |  | Recorded Investment |  |  | Recorded Investment |
Below market interest rate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Single family owner occupied |  |  | 1 |  |  | $ | 359 |  |  | $ | 326 |  |  |  | — |  |  | $ | — |  |  | $ | — |
Extended payment term |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Single family owner occupied |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 1 |  |  | $ | 351 |  |  | $ | 319 |
Below market interest rate and extended payment term |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Single family owner occupied |  |  | 2 |  |  |  | 642 |  |  |  | 600 |  |  |  | — |  |  |  | — |  |  |  | — |
Total |  |  | 3 |  |  | $ | 1,001 |  |  | $ | 926 |  |  |  | 1 |  |  | $ | 351 |  |  | $ | 319 |
Loans Modified as Troubled Debt Restructurings for which there was Payment Default | The following tables detail loans modified as TDRs that were restructured within the previous 12 months for which there was a payment default during the three and nine months ended September 30, 2013 and 2012 by loan class.
|  | Three Months Ended September 30, |
|  | 2013 |  |  | 2012 |
|  | Total |  |  | Recorded |  |  | Total |  |  | Recorded |
|  | Contracts |  |  | Investment |  |  | Contracts |  |  | Investment |
(Amounts in thousands) |  |  |  |  |  |  |  |  |  |  |  |
Non-farm, non-residential |  |  | 1 |  |  | $ | 978 |  |  |  | — |  |  | $ | — |
Total |  |  | 1 |  |  | $ | 978 |  |  |  | — |  |  | $ | — |
|  | Nine Months Ended September 30, |
|  | 2013 |  |  | 2012 |
|  | Total |  |  | Recorded |  |  | Total |  |  | Recorded |
|  | Contracts |  |  | Investment |  |  | Contracts |  |  | Investment |
(Amounts in thousands) |  |  |  |  |  |  |  |  |  |  |  |
Non-farm, non-residential |  |  | 1 |  |  | $ | 978 |  |  |  | — |  |  | $ | — |
Total |  |  | 1 |  |  | $ | 978 |  |  |  | — |  |  | $ | — |

X
- Definition Investment in loans related to each segment. + References No definition available. + Details
Name: | fcbc_InvestmentInLoansRelatedToEachSegmentTableTextBlock
Namespace Prefix: | fcbc_
Data Type: | nonnum:textBlockItemType
Balance Type: | na
Period Type: | duration

X
- Definition Schedule Of Information Related To Purchased Credit Impaired Loans. + References No definition available. + Details
Name: | fcbc_ScheduleOfInformationRelatedToPurchasedCreditImpairedLoansTableTextBlock
Namespace Prefix: | fcbc_
Data Type: | nonnum:textBlockItemType
Balance Type: | na
Period Type: | duration

X
- Definition Schedule Of Loans Modified Troubled Debt Restructuring Subsequently Defaulted Table [Text Block] + References No definition available. + Details
Name: | fcbc_ScheduleOfLoansModifiedTroubledDebtRestructuringSubsequentlyDefaultedTableTextBlock
Namespace Prefix: | fcbc_
Data Type: | nonnum:textBlockItemType
Balance Type: | na
Period Type: | duration

X
- Definition Tabular disclosure of financing receivables (examples of financing receivables include loans, trade accounts receivable and notes receivable) and activity in the allowance for credit losses account. + References Reference 1: http://www.xbrl.org/2003/role/presentationRef -Publisher FASB -Name Accounting Standards Codification -Topic 310 -SubTopic 10 -Section 50 -Paragraph 11B -URI http://asc.fasb.org/extlink&oid=28368275&loc=SL6953423-111524 + Details
Name: | us-gaap_AllowanceForCreditLossesOnFinancingReceivablesTableTextBlock
Namespace Prefix: | us-gaap_
Data Type: | nonnum:textBlockItemType
Balance Type: | na
Period Type: | duration

X
- Definition Tabular disclosure of financing receivables by credit quality indicator. The credit quality indicator is a statistic about the credit quality of financing receivables. Examples include, but not limited to, consumer credit risk scores, credit-rating-agency ratings, an entity's internal credit risk grades, loan-to-value ratios, collateral, collection experience and other internal metrics. + References Reference 1: http://www.xbrl.org/2003/role/presentationRef -Publisher FASB -Name Accounting Standards Codification -Topic 310 -SubTopic 10 -Section 50 -Paragraph 29 -URI http://asc.fasb.org/extlink&oid=28368275&loc=SL6953659-111524 Reference 2: http://www.xbrl.org/2003/role/presentationRef -Publisher FASB -Name Accounting Standards Codification -Topic 310 -SubTopic 10 -Section 55 -Paragraph 19 -URI http://asc.fasb.org/extlink&oid=32702940&loc=SL6953803-111525 + Details
Name: | us-gaap_FinancingReceivableCreditQualityIndicatorsTableTextBlock
Namespace Prefix: | us-gaap_
Data Type: | nonnum:textBlockItemType
Balance Type: | na
Period Type: | duration

X
- Definition Tabular disclosure of impaired financing receivables. + References Reference 1: http://www.xbrl.org/2003/role/presentationRef -Publisher FASB -Name Accounting Standards Codification -Topic 310 -SubTopic 10 -Section 50 -Paragraph 15 -URI http://asc.fasb.org/extlink&oid=28368275&loc=d3e5212-111524 + Details
Name: | us-gaap_ImpairedFinancingReceivablesTableTextBlock
Namespace Prefix: | us-gaap_
Data Type: | nonnum:textBlockItemType
Balance Type: | na
Period Type: | duration

X
- Definition Tabular disclosure of financing receivables that are past due but not impaired, financing receivables that are 90 days past due and still accruing, and financing receivables on nonaccrual status. + References Reference 1: http://www.xbrl.org/2003/role/presentationRef -Publisher FASB -Name Accounting Standards Codification -Topic 310 -SubTopic 10 -Section 50 -Paragraph 7 -URI http://asc.fasb.org/extlink&oid=28368275&loc=d3e5111-111524 Reference 2: http://www.xbrl.org/2003/role/presentationRef -Publisher FASB -Name Accounting Standards Codification -Topic 310 -SubTopic 10 -Section 50 -Paragraph 7A -URI http://asc.fasb.org/extlink&oid=28368275&loc=SL6953401-111524 + Details
Name: | us-gaap_PastDueFinancingReceivablesTableTextBlock
Namespace Prefix: | us-gaap_
Data Type: | nonnum:textBlockItemType
Balance Type: | na
Period Type: | duration

X
- Definition Tabular disclosure of nonaccrual and past due financing receivables (such as loans and trade receivables), including: (a) the recorded investment in loans and trade receivables, if applicable, on nonaccrual status as of each balance sheet date (b) the recorded investment in loans and trade receivables, if applicable, past due 90 days or more and still accruing. + References Reference 1: http://www.xbrl.org/2003/role/presentationRef -Publisher FASB -Name Accounting Standards Codification -Topic 310 -SubTopic 10 -Section 50 -Paragraph 7 -URI http://asc.fasb.org/extlink&oid=28368275&loc=d3e5111-111524 + Details
Name: | us-gaap_ScheduleOfFinancingReceivablesNonAccrualStatusTableTextBlock
Namespace Prefix: | us-gaap_
Data Type: | nonnum:textBlockItemType
Balance Type: | na
Period Type: | duration

X
- Definition Tabular disclosure of financing receivables and troubled debt restructurings. + References Reference 1: http://www.xbrl.org/2003/role/presentationRef -Publisher FASB -Name Accounting Standards Codification -Topic 310 -SubTopic 10 -Section 50 -Paragraph 34 -URI http://asc.fasb.org/extlink&oid=28368275&loc=SL6953682-111524 Reference 2: http://www.xbrl.org/2003/role/presentationRef -Publisher FASB -Name Accounting Standards Codification -Topic 310 -SubTopic 10 -Section 50 -Paragraph 33 -URI http://asc.fasb.org/extlink&oid=28368275&loc=SL6953676-111524 + Details
Name: | us-gaap_TroubledDebtRestructuringsOnFinancingReceivablesTableTextBlock
Namespace Prefix: | us-gaap_
Data Type: | nonnum:textBlockItemType
Balance Type: | na
Period Type: | duration