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Credit Quality (Tables) | 3 Months Ended
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Mar. 31, 2014
Recorded Investment and Related Information for Loans Considered to be Impaired Excluding Purchased Credit Impaired Loans | The following tables present the recorded investment and related information for loans considered to be impaired, excluding PCI loans, as of the periods indicated:
|  | March 31, 2014 |  |  | December 31, 2013 |
|  |  |  |  | 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 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial and industrial |  | $ | 292 |  |  | $ | 292 |  |  | $ | — |  |  | $ | 292 |  |  | $ | 292 |  |  | $ | — |
Multi-family residential |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Single family non-owner occupied |  |  | 420 |  |  |  | 420 |  |  |  | — |  |  |  | 289 |  |  |  | 317 |  |  |  | — |
Non-farm, non-residential |  |  | 5,559 |  |  |  | 5,903 |  |  |  | — |  |  |  | 5,352 |  |  |  | 5,682 |  |  |  | — |
Farmland |  |  | 351 |  |  |  | 363 |  |  |  | — |  |  |  | 351 |  |  |  | 363 |  |  |  | — |
Consumer real estate loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Home equity lines |  |  | 254 |  |  |  | 264 |  |  |  | — |  |  |  | 257 |  |  |  | 264 |  |  |  | — |
Single family owner occupied |  |  | 1,690 |  |  |  | 2,101 |  |  |  | — |  |  |  | 2,006 |  |  |  | 2,414 |  |  |  | — |
Total impaired loans with no allowance |  |  | 8,566 |  |  |  | 9,343 |  |  |  | — |  |  |  | 8,547 |  |  |  | 9,332 |  |  |  | — |
Impaired loans with a related allowance: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial and industrial |  |  | 4,943 |  |  |  | 5,319 |  |  |  | 3,504 |  |  |  | 4,897 |  |  |  | 10,244 |  |  |  | 3,794 |
Multi-family residential |  |  | 5,601 |  |  |  | 5,601 |  |  |  | 500 |  |  |  | — |  |  |  | — |  |  |  | — |
Single family non-owner occupied |  |  | 364 |  |  |  | 371 |  |  |  | 38 |  |  |  | 375 |  |  |  | 375 |  |  |  | 47 |
Non-farm, non-residential |  |  | 4,458 |  |  |  | 4,459 |  |  |  | 377 |  |  |  | 600 |  |  |  | 600 |  |  |  | 114 |
Farmland |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Consumer real estate loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Home equity lines |  |  | 208 |  |  |  | 229 |  |  |  | 171 |  |  |  | 215 |  |  |  | 230 |  |  |  | 52 |
Single family owner occupied |  |  | 4,377 |  |  |  | 4,578 |  |  |  | 692 |  |  |  | 4,844 |  |  |  | 5,035 |  |  |  | 735 |
Total impaired loans with an allowance |  |  | 19,951 |  |  |  | 20,557 |  |  |  | 5,282 |  |  |  | 10,931 |  |  |  | 16,484 |  |  |  | 4,742 |
Total impaired loans |  | $ | 28,517 |  |  | $ | 29,900 |  |  | $ | 5,282 |  |  | $ | 19,478 |  |  | $ | 25,816 |  |  | $ | 4,742 |
Average Recorded Investment and Interest Income Recognized on Impaired Loans Excluding Purchased Credit Impaired Loans | The following table presents the average recorded investment and interest income recognized on impaired loans, excluding PCI loans, in the periods indicated:
|  | For the Three Months Ended |
|  | March 31, 2014 |  |  | March 31, 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 |  | $ | — |  |  | $ | — |  |  | $ | 2,195 |  |  | $ | 43 |
Commercial and industrial |  |  | 292 |  |  |  | 12 |  |  |  | 599 |  |  |  | 11 |
Multi-family residential |  |  | — |  |  |  | — |  |  |  | 35 |  |  |  | 2 |
Single family non-owner occupied |  |  | 420 |  |  |  | 1 |  |  |  | 841 |  |  |  | 79 |
Non-farm, non-residential |  |  | 5,918 |  |  |  | 36 |  |  |  | 5,955 |  |  |  | 212 |
Farmland |  |  | 363 |  |  |  | 11 |  |  |  | 88 |  |  |  | 9 |
Consumer real estate loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Home equity lines |  |  | 265 |  |  |  | 2 |  |  |  | 298 |  |  |  | 25 |
Single family owner occupied |  |  | 2,101 |  |  |  | 51 |  |  |  | 547 |  |  |  | 70 |
Total impaired loans with no allowance |  |  | 9,359 |  |  |  | 113 |  |  |  | 10,558 |  |  |  | 451 |
Impaired loans with a related allowance: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Construction, development, and other land |  |  | — |  |  |  | — |  |  |  | 2,670 |  |  |  | 117 |
Commercial and industrial |  |  | 5,157 |  |  |  | 47 |  |  |  | 3,217 |  |  |  | — |
Multi-family residential |  |  | 5,603 |  |  |  | 22 |  |  |  | 376 |  |  |  | 7 |
Single family non-owner occupied |  |  | 372 |  |  |  | 1 |  |  |  | 1,728 |  |  |  | 3 |
Non-farm, non-residential |  |  | 4,399 |  |  |  | 25 |  |  |  | 2,756 |  |  |  | 26 |
Farmland |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Consumer real estate loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Home equity lines |  |  | 229 |  |  |  | 1 |  |  |  | 222 |  |  |  | 3 |
Single family owner occupied |  |  | 4,580 |  |  |  | 34 |  |  |  | 4,485 |  |  |  | 37 |
Total impaired loans with an allowance |  |  | 20,340 |  |  |  | 130 |  |  |  | 15,454 |  |  |  | 193 |
Total impaired loans |  | $ | 29,699 |  |  | $ | 243 |  |  | $ | 26,012 |  |  | $ | 644 |
Balance and Interest Income Related to Impaired Loan Pools | The following tables present balance and interest income related to the impaired loan pools as of the dates, and in the periods, indicated:
(Amounts in thousands) |  | March 31, 2014 |  |  | December 31, 2013 |
Recorded investment |  | $ | 47,382 |  |  | $ | 52,033 |
Unpaid principal balance |  |  | 62,325 |  |  |  | 69,320 |
Allowance for loan losses |  |  | 485 |  |  |  | 747 |
|  | Three Months Ended March 31, |
(Amounts in thousands) |  | 2014 |  |  | 2013 |
Interest income recognized |  | $ | 782 |  |  | $ | 84 |
Average recorded investment |  |  | 49,276 |  |  |  | 20,233 |
Loans Held for Investment by Internal Credit Risk Grade | The following tables present loans held for investment, by internal credit risk grade, as of the periods indicated:
|  | March 31, 2014 |
|  |  |  |  | Special |  |  |  |  |  |  |  |  |  |  |  |  |
(Amounts in thousands) |  | Pass |  |  | Mention |  |  | Substandard |  |  | Doubtful |  |  | Loss |  |  | Total |
Non-covered loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Construction, development, and other land |  | $ | 41,707 |  |  | $ | 1,138 |  |  | $ | 2,664 |  |  | $ | 152 |  |  | $ | — |  |  | $ | 45,661 |
Commercial and industrial |  |  | 86,139 |  |  |  | 953 |  |  |  | 3,371 |  |  |  | 3,940 |  |  |  | — |  |  |  | 94,403 |
Multi-family residential |  |  | 67,083 |  |  |  | 2,095 |  |  |  | 6,416 |  |  |  | — |  |  |  | — |  |  |  | 75,594 |
Single family non-owner occupied |  |  | 123,772 |  |  |  | 4,021 |  |  |  | 9,812 |  |  |  | 364 |  |  |  | — |  |  |  | 137,969 |
Non-farm, non-residential |  |  | 446,848 |  |  |  | 18,478 |  |  |  | 19,035 |  |  |  | — |  |  |  | — |  |  |  | 484,361 |
Agricultural |  |  | 2,077 |  |  |  | 7 |  |  |  | 9 |  |  |  | — |  |  |  | — |  |  |  | 2,093 |
Farmland |  |  | 29,277 |  |  |  | 1,307 |  |  |  | 1,826 |  |  |  | — |  |  |  | — |  |  |  | 32,410 |
Consumer real estate loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Home equity lines |  |  | 109,135 |  |  |  | 1,390 |  |  |  | 2,404 |  |  |  | 208 |  |  |  | — |  |  |  | 113,137 |
Single family owner occupied |  |  | 454,285 |  |  |  | 10,179 |  |  |  | 27,999 |  |  |  | 164 |  |  |  | — |  |  |  | 492,627 |
Owner occupied construction |  |  | 33,495 |  |  |  | 422 |  |  |  | 443 |  |  |  | — |  |  |  | — |  |  |  | 34,360 |
Consumer and other loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Consumer loans |  |  | 70,929 |  |  |  | 794 |  |  |  | 386 |  |  |  | 2 |  |  |  | — |  |  |  | 72,111 |
Other |  |  | 3,968 |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 3,968 |
Total non-covered loans |  |  | 1,468,715 |  |  |  | 40,784 |  |  |  | 74,365 |  |  |  | 4,830 |  |  |  | — |  |  |  | 1,588,694 |
Covered loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Construction, development, and other land |  |  | 9,607 |  |  |  | 1,465 |  |  |  | 4,837 |  |  |  | 47 |  |  |  | — |  |  |  | 15,956 |
Commercial and industrial |  |  | 2,474 |  |  |  | 468 |  |  |  | 119 |  |  |  | 1 |  |  |  | — |  |  |  | 3,062 |
Multi-family residential |  |  | 1,458 |  |  |  | — |  |  |  | 445 |  |  |  | — |  |  |  | — |  |  |  | 1,903 |
Single family non-owner occupied |  |  | 3,832 |  |  |  | 1,474 |  |  |  | 1,478 |  |  |  | 10 |  |  |  | — |  |  |  | 6,794 |
Non-farm, non-residential |  |  | 11,352 |  |  |  | 6,606 |  |  |  | 13,483 |  |  |  | 17 |  |  |  | — |  |  |  | 31,458 |
Agricultural |  |  | 162 |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 162 |
Farmland |  |  | 512 |  |  |  | — |  |  |  | 305 |  |  |  | — |  |  |  | — |  |  |  | 817 |
Consumer real estate loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Home equity lines |  |  | 64,707 |  |  |  | 1,147 |  |  |  | 1,039 |  |  |  | 2 |  |  |  | — |  |  |  | 66,895 |
Single family owner occupied |  |  | 10,117 |  |  |  | 201 |  |  |  | 4,969 |  |  |  | — |  |  |  | — |  |  |  | 15,287 |
Owner occupied construction |  |  | 88 |  |  |  | 235 |  |  |  | 404 |  |  |  | — |  |  |  | — |  |  |  | 727 |
Consumer and other loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Consumer loans |  |  | 109 |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 109 |
Other |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Total covered loans |  |  | 104,418 |  |  |  | 11,596 |  |  |  | 27,079 |  |  |  | 77 |  |  |  | — |  |  |  | 143,170 |
Total loans |  | $ | 1,573,133 |  |  | $ | 52,380 |  |  | $ | 101,444 |  |  | $ | 4,907 |  |  | $ | — |  |  | $ | 1,731,864 |
|  | December 31, 2013 |
|  |  |  |  | Special |  |  |  |  |  |  |  |  |  |  |  |  |
(Amounts in thousands) |  | Pass |  |  | Mention |  |  | Substandard |  |  | Doubtful |  |  | Loss |  |  | Total |
Non-covered loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Construction, development, and other land |  | $ | 30,719 |  |  | $ | 1,094 |  |  | $ | 3,139 |  |  | $ | 303 |  |  | $ | — |  |  | $ | 35,255 |
Commercial and industrial |  |  | 87,589 |  |  |  | 1,056 |  |  |  | 2,919 |  |  |  | 3,891 |  |  |  | — |  |  |  | 95,455 |
Multi-family residential |  |  | 67,257 |  |  |  | 2,237 |  |  |  | 703 |  |  |  | — |  |  |  | — |  |  |  | 70,197 |
Single family non-owner occupied |  |  | 121,367 |  |  |  | 4,501 |  |  |  | 9,316 |  |  |  | 375 |  |  |  | — |  |  |  | 135,559 |
Non-farm, non-residential |  |  | 440,334 |  |  |  | 21,046 |  |  |  | 14,500 |  |  |  | 31 |  |  |  | — |  |  |  | 475,911 |
Agricultural |  |  | 2,306 |  |  |  | 8 |  |  |  | 10 |  |  |  | — |  |  |  | — |  |  |  | 2,324 |
Farmland |  |  | 27,421 |  |  |  | 1,721 |  |  |  | 3,472 |  |  |  | — |  |  |  | — |  |  |  | 32,614 |
Consumer real estate loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Home equity lines |  |  | 107,411 |  |  |  | 1,355 |  |  |  | 2,789 |  |  |  | 215 |  |  |  | — |  |  |  | 111,770 |
Single family owner occupied |  |  | 460,166 |  |  |  | 8,170 |  |  |  | 27,507 |  |  |  | 169 |  |  |  | — |  |  |  | 496,012 |
Owner occupied construction |  |  | 28,242 |  |  |  | 261 |  |  |  | 200 |  |  |  | — |  |  |  | — |  |  |  | 28,703 |
Consumer and other loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Consumer loans |  |  | 69,973 |  |  |  | 864 |  |  |  | 472 |  |  |  | — |  |  |  | 4 |  |  |  | 71,313 |
Other |  |  | 3,918 |  |  |  | — |  |  |  | 8 |  |  |  | — |  |  |  | — |  |  |  | 3,926 |
Total non-covered loans |  |  | 1,446,703 |  |  |  | 42,313 |  |  |  | 65,035 |  |  |  | 4,984 |  |  |  | 4 |  |  |  | 1,559,039 |
Covered loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Construction, development, and other land |  |  | 9,722 |  |  |  | 1,378 |  |  |  | 4,714 |  |  |  | 51 |  |  |  | — |  |  |  | 15,865 |
Commercial and industrial |  |  | 2,865 |  |  |  | 247 |  |  |  | 189 |  |  |  | 24 |  |  |  | — |  |  |  | 3,325 |
Multi-family residential |  |  | 1,472 |  |  |  | — |  |  |  | 461 |  |  |  | — |  |  |  | — |  |  |  | 1,933 |
Single family non-owner occupied |  |  | 4,362 |  |  |  | 1,519 |  |  |  | 1,552 |  |  |  | 16 |  |  |  | — |  |  |  | 7,449 |
Non-farm, non-residential |  |  | 13,077 |  |  |  | 4,630 |  |  |  | 16,901 |  |  |  | 38 |  |  |  | — |  |  |  | 34,646 |
Agricultural |  |  | 164 |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 164 |
Farmland |  |  | 572 |  |  |  | — |  |  |  | 301 |  |  |  | — |  |  |  | — |  |  |  | 873 |
Consumer real estate loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Home equity lines |  |  | 66,797 |  |  |  | 1,138 |  |  |  | 1,269 |  |  |  | 2 |  |  |  | — |  |  |  | 69,206 |
Single family owner occupied |  |  | 10,832 |  |  |  | 148 |  |  |  | 5,939 |  |  |  | — |  |  |  | — |  |  |  | 16,919 |
Owner occupied construction |  |  | 198 |  |  |  | — |  |  |  | 986 |  |  |  | — |  |  |  | — |  |  |  | 1,184 |
Consumer and other loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Consumer loans |  |  | 118 |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 118 |
Other |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Total covered loans |  |  | 110,179 |  |  |  | 9,060 |  |  |  | 32,312 |  |  |  | 131 |  |  |  | — |  |  |  | 151,682 |
Total loans |  | $ | 1,556,882 |  |  | $ | 51,373 |  |  | $ | 97,347 |  |  | $ | 5,115 |  |  | $ | 4 |  |  | $ | 1,710,721 |
Nonaccrual Loans by Loan Class | The following table presents nonaccrual loans, by loan class, as of the dates indicated:
|  | March 31, 2014 |  |  | December 31, 2013 |
(Amounts in thousands) |  | Non-covered |  |  | Covered |  |  | Total |  |  | Non-covered |  |  | Covered |  |  | Total |
Commercial loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Construction, development, and other land |  | $ | 816 |  |  | $ | 127 |  |  | $ | 943 |  |  | $ | 1,187 |  |  | $ | 761 |  |  | $ | 1,948 |
Commercial and industrial |  |  | 5,357 |  |  |  | 75 |  |  |  | 5,432 |  |  |  | 5,341 |  |  |  | 92 |  |  |  | 5,433 |
Multi-family residential |  |  | 115 |  |  |  | — |  |  |  | 115 |  |  |  | — |  |  |  | — |  |  |  | — |
Single family non-owner occupied |  |  | 2,407 |  |  |  | 114 |  |  |  | 2,521 |  |  |  | 1,966 |  |  |  | 222 |  |  |  | 2,188 |
Non-farm, non-residential |  |  | 2,972 |  |  |  | — |  |  |  | 2,972 |  |  |  | 2,685 |  |  |  | — |  |  |  | 2,685 |
Farmland |  |  | 432 |  |  |  | — |  |  |  | 432 |  |  |  | 441 |  |  |  | 301 |  |  |  | 742 |
Consumer real estate loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Home equity lines |  |  | 774 |  |  |  | 246 |  |  |  | 1,020 |  |  |  | 765 |  |  |  | 232 |  |  |  | 997 |
Single family owner occupied |  |  | 7,890 |  |  |  | 582 |  |  |  | 8,472 |  |  |  | 6,567 |  |  |  | 1,555 |  |  |  | 8,122 |
Owner occupied construction |  |  | — |  |  |  | 117 |  |  |  | 117 |  |  |  | — |  |  |  | 190 |  |  |  | 190 |
Consumer and other loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Consumer loans |  |  | 138 |  |  |  | — |  |  |  | 138 |  |  |  | 201 |  |  |  | — |  |  |  | 201 |
Total |  |  | 20,901 |  |  |  | 1,261 |  |  |  | 22,162 |  |  |  | 19,153 |  |  |  | 3,353 |  |  |  | 22,506 |
Purchased impaired loans |  |  | 8 |  |  |  | — |  |  |  | 8 |  |  |  | 8 |  |  |  | — |  |  |  | 8 |
Total nonaccrual loans |  | $ | 20,909 |  |  | $ | 1,261 |  |  | $ | 22,170 |  |  | $ | 19,161 |  |  | $ | 3,353 |  |  | $ | 22,514 |
Aging of Past Due Loans by Loan Class | The following tables present the aging of past due loans, by loan class, as of the dates indicated. Nonaccrual loans 30 days or more past due are included in the applicable delinquency category. There were no non-covered accruing loans contractually past due 90 days or more as of March 31, 2014, or December 31, 2013. Accruing loans contractually past due 90 days or more totaled $109 thousand as of March 31, 2014, and $86 thousand as of December 31, 2013 which were attributed to covered home equity lines.
|  | March 31, 2014 |
|  | 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 |  | $ | 111 |  |  | $ | 113 |  |  | $ | 217 |  |  | $ | 441 |  |  | $ | 45,220 |  |  | $ | 45,661 |
Commercial and industrial |  |  | 59 |  |  |  | — |  |  |  | 2,576 |  |  |  | 2,635 |  |  |  | 91,768 |  |  |  | 94,403 |
Multi-family residential |  |  | 85 |  |  |  | — |  |  |  | 115 |  |  |  | 200 |  |  |  | 75,394 |  |  |  | 75,594 |
Single family non-owner occupied |  |  | 432 |  |  |  | 254 |  |  |  | 1,527 |  |  |  | 2,213 |  |  |  | 135,756 |  |  |  | 137,969 |
Non-farm, non-residential |  |  | 1,216 |  |  |  | 203 |  |  |  | 2,325 |  |  |  | 3,744 |  |  |  | 480,617 |  |  |  | 484,361 |
Agricultural |  |  | 8 |  |  |  | — |  |  |  | — |  |  |  | 8 |  |  |  | 2,085 |  |  |  | 2,093 |
Farmland |  |  | — |  |  |  | — |  |  |  | 432 |  |  |  | 432 |  |  |  | 31,978 |  |  |  | 32,410 |
Consumer real estate loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Home equity lines |  |  | 479 |  |  |  | 80 |  |  |  | 191 |  |  |  | 750 |  |  |  | 112,387 |  |  |  | 113,137 |
Single family owner occupied |  |  | 4,771 |  |  |  | 2,951 |  |  |  | 3,390 |  |  |  | 11,112 |  |  |  | 481,515 |  |  |  | 492,627 |
Owner occupied construction |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 34,360 |  |  |  | 34,360 |
Consumer and other loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Consumer loans |  |  | 509 |  |  |  | 76 |  |  |  | 29 |  |  |  | 614 |  |  |  | 71,497 |  |  |  | 72,111 |
Other |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 3,968 |  |  |  | 3,968 |
Total non-covered loans |  |  | 7,670 |  |  |  | 3,677 |  |  |  | 10,802 |  |  |  | 22,149 |  |  |  | 1,566,545 |  |  |  | 1,588,694 |
Covered loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Construction, development, and other land |  |  | 178 |  |  |  | 10 |  |  |  | 74 |  |  |  | 262 |  |  |  | 15,694 |  |  |  | 15,956 |
Commercial and industrial |  |  | — |  |  |  | — |  |  |  | 35 |  |  |  | 35 |  |  |  | 3,027 |  |  |  | 3,062 |
Multi-family residential |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 1,903 |  |  |  | 1,903 |
Single family non-owner occupied |  |  | — |  |  |  | — |  |  |  | 114 |  |  |  | 114 |  |  |  | 6,680 |  |  |  | 6,794 |
Non-farm, non-residential |  |  | 195 |  |  |  | 354 |  |  |  | — |  |  |  | 549 |  |  |  | 30,909 |  |  |  | 31,458 |
Agricultural |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 162 |  |  |  | 162 |
Farmland |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 817 |  |  |  | 817 |
Consumer real estate loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Home equity lines |  |  | 353 |  |  |  | 1 |  |  |  | 187 |  |  |  | 541 |  |  |  | 66,354 |  |  |  | 66,895 |
Single family owner occupied |  |  | 148 |  |  |  | 58 |  |  |  | 434 |  |  |  | 640 |  |  |  | 14,647 |  |  |  | 15,287 |
Owner occupied construction |  |  | — |  |  |  | — |  |  |  | 117 |  |  |  | 117 |  |  |  | 610 |  |  |  | 727 |
Consumer and other loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | — |
Consumer loans |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 109 |  |  |  | 109 |
Other |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Total covered loans |  |  | 874 |  |  |  | 423 |  |  |  | 961 |  |  |  | 2,258 |  |  |  | 140,912 |  |  |  | 143,170 |
Total loans |  | $ | 8,544 |  |  | $ | 4,100 |  |  | $ | 11,763 |  |  | $ | 24,407 |  |  | $ | 1,707,457 |  |  | $ | 1,731,864 |
|  | December 31, 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 |  | $ | 118 |  |  | $ | 10 |  |  | $ | 532 |  |  | $ | 660 |  |  | $ | 34,595 |  |  | $ | 35,255 |
Commercial and industrial |  |  | 93 |  |  |  | 39 |  |  |  | 2,631 |  |  |  | 2,763 |  |  |  | 92,692 |  |  |  | 95,455 |
Multi-family residential |  |  | 115 |  |  |  | — |  |  |  | — |  |  |  | 115 |  |  |  | 70,082 |  |  |  | 70,197 |
Single family non-owner occupied |  |  | 611 |  |  |  | 554 |  |  |  | 1,203 |  |  |  | 2,368 |  |  |  | 133,191 |  |  |  | 135,559 |
Non-farm, non-residential |  |  | 1,014 |  |  |  | 318 |  |  |  | 1,770 |  |  |  | 3,102 |  |  |  | 472,809 |  |  |  | 475,911 |
Agricultural |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 2,324 |  |  |  | 2,324 |
Farmland |  |  | 245 |  |  |  | — |  |  |  | — |  |  |  | 245 |  |  |  | 32,369 |  |  |  | 32,614 |
Consumer real estate loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Home equity lines |  |  | 289 |  |  |  | 317 |  |  |  | 442 |  |  |  | 1,048 |  |  |  | 110,722 |  |  |  | 111,770 |
Single family owner occupied |  |  | 7,428 |  |  |  | 1,228 |  |  |  | 145 |  |  |  | 8,801 |  |  |  | 487,211 |  |  |  | 496,012 |
Owner occupied construction |  |  | 205 |  |  |  | — |  |  |  | 2,284 |  |  |  | 2,489 |  |  |  | 26,214 |  |  |  | 28,703 |
Consumer and other loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Consumer loans |  |  | 811 |  |  |  | 86 |  |  |  | 105 |  |  |  | 1,002 |  |  |  | 70,311 |  |  |  | 71,313 |
Other |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 3,926 |  |  |  | 3,926 |
Total non-covered loans |  |  | 10,929 |  |  |  | 2,552 |  |  |  | 9,112 |  |  |  | 22,593 |  |  |  | 1,536,446 |  |  |  | 1,559,039 |
Covered loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Construction, development, and other land |  |  | 479 |  |  |  | — |  |  |  | 453 |  |  |  | 932 |  |  |  | 14,933 |  |  |  | 15,865 |
Commercial and industrial |  |  | 5 |  |  |  | 44 |  |  |  | 92 |  |  |  | 141 |  |  |  | 3,184 |  |  |  | 3,325 |
Multi-family residential |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 1,933 |  |  |  | 1,933 |
Single family non-owner occupied |  |  | — |  |  |  | — |  |  |  | 184 |  |  |  | 184 |  |  |  | 7,265 |  |  |  | 7,449 |
Non-farm, non-residential |  |  | 209 |  |  |  | — |  |  |  | — |  |  |  | 209 |  |  |  | 34,437 |  |  |  | 34,646 |
Agricultural |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 164 |  |  |  | 164 |
Farmland |  |  | — |  |  |  | — |  |  |  | 301 |  |  |  | 301 |  |  |  | 572 |  |  |  | 873 |
Consumer real estate loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Home equity lines |  |  | 488 |  |  |  | 86 |  |  |  | 163 |  |  |  | 737 |  |  |  | 68,469 |  |  |  | 69,206 |
Single family owner occupied |  |  | 197 |  |  |  | 120 |  |  |  | 1,466 |  |  |  | 1,783 |  |  |  | 15,136 |  |  |  | 16,919 |
Owner occupied construction |  |  | — |  |  |  | — |  |  |  | 190 |  |  |  | 190 |  |  |  | 994 |  |  |  | 1,184 |
Consumer and other loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | — |
Consumer loans |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 118 |  |  |  | 118 |
Other |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Total covered loans |  |  | 1,378 |  |  |  | 250 |  |  |  | 2,849 |  |  |  | 4,477 |  |  |  | 147,205 |  |  |  | 151,682 |
Total loans |  | $ | 12,307 |  |  | $ | 2,802 |  |  | $ | 11,961 |  |  | $ | 27,070 |  |  | $ | 1,683,651 |  |  | $ | 1,710,721 |
Loans Modified as Troubled Debt Restructurings by Loan Class Segregated by Accrual Status | The following table presents loans modified as TDRs, by loan class, segregated by accrual status, as of the dates indicated:
|  | March 31, 2014 |  |  | December 31, 2013 |
(Amounts in thousands) |  | Nonaccrual(1) |  |  | Accruing |  |  | Total |  |  | Nonaccrual(1) |  |  | Accruing |  |  | Total |
Commercial loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial and industrial |  | $ | 1,115 |  |  | $ | — |  |  | $ | 1,115 |  |  | $ | 1,115 |  |  | $ | — |  |  | $ | 1,115 |
Single family non-owner occupied |  |  | 364 |  |  |  | — |  |  |  | 364 |  |  |  | 375 |  |  |  | — |  |  |  | 375 |
Non-farm, non-residential |  |  | 124 |  |  |  | 5,742 |  |  |  | 5,866 |  |  |  | 128 |  |  |  | 5,490 |  |  |  | 5,618 |
Consumer real estate loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Home equity lines |  |  | — |  |  |  | 50 |  |  |  | 50 |  |  |  | 159 |  |  |  | 51 |  |  |  | 210 |
Single family owner occupied |  |  | 532 |  |  |  | 6,930 |  |  |  | 7,462 |  |  |  | 423 |  |  |  | 6,670 |  |  |  | 7,093 |
Owner occupied construction |  |  | — |  |  |  | 246 |  |  |  | 246 |  |  |  | — |  |  |  | — |  |  |  | — |
Total TDRs |  | $ | 2,135 |  |  | $ | 12,968 |  |  | $ | 15,103 |  |  | $ | 2,200 |  |  | $ | 12,211 |  |  | $ | 14,411 |
(1) | TDRs on nonaccrual status are included in the total nonaccrual loan balance disclosed in the table above.
Loans Modified as Troubled Debt Restructurings by Type of Concession Made and Loan Class | The following table presents loans modified as TDRs, by type of concession made and loan class, that were restructured during the periods indicated. The post-modification recorded investment represents the loan balance immediately following modification.
|  | Three Months Ended March 31, |
|  | 2014 |  |  | 2013 |
(Amounts in thousands) |  | Total Contracts |  |  | Pre-Modification Recorded Investment |  |  | Post- Modification Recorded Investment |  |  | Total Contracts |  |  | Pre-Modification Recorded Investment |  |  | Post- Modification Recorded Investment |
Below market interest rate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Owner occupied construction |  |  | 1 |  |  | $ | 245 |  |  | $ | 245 |  |  |  | — |  |  | $ | — |  |  | $ | — |
Extended payment term |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Non-farm, non-residential |  |  | 1 |  |  | $ | 303 |  |  | $ | 303 |  |  |  | — |  |  |  | — |  |  |  | — |
Single family owner occupied |  |  | 1 |  |  |  | 134 |  |  |  | 134 |  |  |  | — |  |  |  | — |  |  |  | — |
Total |  |  | 2 |  |  |  | 437 |  |  |  | 437 |  |  |  | — |  |  |  | — |  |  |  | — |
Below market interest rate and extended payment term |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Single family owner occupied |  |  | 2 |  |  |  | 266 |  |  |  | 266 |  |  |  | — |  |  |  | — |  |  |  | — |
Total |  |  | 5 |  |  | $ | 948 |  |  | $ | 948 |  |  |  | — |  |  | $ | — |  |  | $ | — |

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