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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				—			$	—

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