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Credit Quality (Tables) | 3 Months Ended
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Mar. 31, 2016
Loans Held for Investment by Internal Credit Risk Grade | The following tables present the recorded investment of the Company’s loan portfolio, disaggregated by class and credit quality, as of the dates indicated. Losses on covered loans are generally reimbursable by the FDIC at the applicable loss share percentage, 80%; therefore, covered loans are disclosed separately.
|  | March 31, 2016 |
(Amounts in thousands) |  | Pass |  |  | Special Mention |  |  | Substandard |  |  | Doubtful |  |  | Loss |  |  | Total |
Non-covered loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Construction, development, and other land |  | $ | 50,378 |  |  | $ | 883 |  |  | $ | 1,268 |  |  | $ | — |  |  | $ | — |  |  | $ | 52,529 |
Commercial and industrial |  |  | 89,978 |  |  |  | 650 |  |  |  | 1,766 |  |  |  | 3 |  |  |  | — |  |  |  | 92,397 |
Multi-family residential |  |  | 97,630 |  |  |  | 12,899 |  |  |  | 859 |  |  |  | — |  |  |  | — |  |  |  | 111,388 |
Single family non-owner occupied |  |  | 141,932 |  |  |  | 4,189 |  |  |  | 5,474 |  |  |  | — |  |  |  | — |  |  |  | 151,595 |
Non-farm, non-residential |  |  | 492,801 |  |  |  | 14,247 |  |  |  | 13,780 |  |  |  | 643 |  |  |  | — |  |  |  | 521,471 |
Agricultural |  |  | 3,599 |  |  |  | 51 |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 3,650 |
Farmland |  |  | 25,453 |  |  |  | 1,392 |  |  |  | 168 |  |  |  | — |  |  |  | — |  |  |  | 27,013 |
Consumer real estate loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Home equity lines |  |  | 103,764 |  |  |  | 1,076 |  |  |  | 1,604 |  |  |  | — |  |  |  | — |  |  |  | 106,444 |
Single family owner occupied |  |  | 471,097 |  |  |  | 6,530 |  |  |  | 19,838 |  |  |  | — |  |  |  | 65 |  |  |  | 497,530 |
Owner occupied construction |  |  | 40,175 |  |  |  | — |  |  |  | 717 |  |  |  | — |  |  |  | — |  |  |  | 40,892 |
Consumer and other loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Consumer loans |  |  | 73,306 |  |  |  | 45 |  |  |  | 180 |  |  |  | — |  |  |  | — |  |  |  | 73,531 |
Other |  |  | 7,451 |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 7,451 |
Total non-covered loans |  |  | 1,597,564 |  |  |  | 41,962 |  |  |  | 45,654 |  |  |  | 646 |  |  |  | 65 |  |  |  | 1,685,891 |
Covered loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Construction, development, and other land |  |  | 3,671 |  |  |  | 1,281 |  |  |  | 1,177 |  |  |  | — |  |  |  | — |  |  |  | 6,129 |
Commercial and industrial |  |  | 998 |  |  |  | — |  |  |  | 22 |  |  |  | — |  |  |  | — |  |  |  | 1,020 |
Multi-family residential |  |  | — |  |  |  | — |  |  |  | 100 |  |  |  | — |  |  |  | — |  |  |  | 100 |
Single family non-owner occupied |  |  | 1,458 |  |  |  | 371 |  |  |  | 429 |  |  |  | — |  |  |  | — |  |  |  | 2,258 |
Non-farm, non-residential |  |  | 8,066 |  |  |  | 1,399 |  |  |  | 2,974 |  |  |  | — |  |  |  | — |  |  |  | 12,439 |
Agricultural |  |  | 34 |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 34 |
Farmland |  |  | 356 |  |  |  | — |  |  |  | 276 |  |  |  | — |  |  |  | — |  |  |  | 632 |
Consumer real estate loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Home equity lines |  |  | 17,021 |  |  |  | 27,995 |  |  |  | 729 |  |  |  | — |  |  |  | — |  |  |  | 45,745 |
Single family owner occupied |  |  | 4,440 |  |  |  | 1,945 |  |  |  | 1,452 |  |  |  | — |  |  |  | — |  |  |  | 7,837 |
Owner occupied construction |  |  | 111 |  |  |  | 53 |  |  |  | 98 |  |  |  | — |  |  |  | — |  |  |  | 262 |
Consumer and other loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Consumer loans |  |  | 82 |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 82 |
Total covered loans |  |  | 36,237 |  |  |  | 33,044 |  |  |  | 7,257 |  |  |  | — |  |  |  | — |  |  |  | 76,538 |
Total loans |  | $ | 1,633,801 |  |  | $ | 75,006 |  |  | $ | 52,911 |  |  | $ | 646 |  |  | $ | 65 |  |  | $ | 1,762,429 |
|  | December 31, 2015 |
(Amounts in thousands) |  | Pass |  |  | Special Mention |  |  | Substandard |  |  | Doubtful |  |  | Loss |  |  | Total |
Non-covered loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Construction, development, and other land |  | $ | 46,816 |  |  | $ | 974 |  |  | $ | 1,106 |  |  | $ | — |  |  | $ | — |  |  | $ | 48,896 |
Commercial and industrial |  |  | 87,223 |  |  |  | 663 |  |  |  | 1,017 |  |  |  | — |  |  |  | — |  |  |  | 88,903 |
Multi-family residential |  |  | 81,168 |  |  |  | 12,969 |  |  |  | 889 |  |  |  | — |  |  |  | — |  |  |  | 95,026 |
Single family non-owner occupied |  |  | 139,680 |  |  |  | 3,976 |  |  |  | 5,695 |  |  |  | — |  |  |  | — |  |  |  | 149,351 |
Non-farm, non-residential |  |  | 454,906 |  |  |  | 15,170 |  |  |  | 15,384 |  |  |  | — |  |  |  | — |  |  |  | 485,460 |
Agricultural |  |  | 2,886 |  |  |  | 25 |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 2,911 |
Farmland |  |  | 25,855 |  |  |  | 1,427 |  |  |  | 258 |  |  |  | — |  |  |  | — |  |  |  | 27,540 |
Consumer real estate loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Home equity lines |  |  | 104,897 |  |  |  | 1,083 |  |  |  | 1,387 |  |  |  | — |  |  |  | — |  |  |  | 107,367 |
Single family owner occupied |  |  | 468,155 |  |  |  | 6,686 |  |  |  | 20,368 |  |  |  | — |  |  |  | — |  |  |  | 495,209 |
Owner occupied construction |  |  | 42,783 |  |  |  | — |  |  |  | 722 |  |  |  | — |  |  |  | — |  |  |  | 43,505 |
Consumer and other loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Consumer loans |  |  | 71,685 |  |  |  | 61 |  |  |  | 254 |  |  |  | — |  |  |  | — |  |  |  | 72,000 |
Other |  |  | 7,338 |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 7,338 |
Total non-covered loans |  |  | 1,533,392 |  |  |  | 43,034 |  |  |  | 47,080 |  |  |  | — |  |  |  | — |  |  |  | 1,623,506 |
Covered loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Construction, development, and other land |  |  | 3,908 |  |  |  | 1,261 |  |  |  | 1,134 |  |  |  | — |  |  |  | — |  |  |  | 6,303 |
Commercial and industrial |  |  | 1,144 |  |  |  | 4 |  |  |  | 22 |  |  |  | — |  |  |  | — |  |  |  | 1,170 |
Multi-family residential |  |  | 460 |  |  |  | — |  |  |  | 180 |  |  |  | — |  |  |  | — |  |  |  | 640 |
Single family non-owner occupied |  |  | 1,808 |  |  |  | 457 |  |  |  | 409 |  |  |  | — |  |  |  | — |  |  |  | 2,674 |
Non-farm, non-residential |  |  | 9,192 |  |  |  | 2,044 |  |  |  | 2,829 |  |  |  | — |  |  |  | — |  |  |  | 14,065 |
Agricultural |  |  | 34 |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 34 |
Farmland |  |  | 364 |  |  |  | — |  |  |  | 279 |  |  |  | — |  |  |  | — |  |  |  | 643 |
Consumer real estate loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Home equity lines |  |  | 17,893 |  |  |  | 29,823 |  |  |  | 849 |  |  |  | — |  |  |  | — |  |  |  | 48,565 |
Single family owner occupied |  |  | 5,102 |  |  |  | 1,963 |  |  |  | 1,530 |  |  |  | — |  |  |  | — |  |  |  | 8,595 |
Owner occupied construction |  |  | 112 |  |  |  | 51 |  |  |  | 99 |  |  |  | — |  |  |  | — |  |  |  | 262 |
Consumer and other loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Consumer loans |  |  | 84 |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 84 |
Total covered loans |  |  | 40,101 |  |  |  | 35,603 |  |  |  | 7,331 |  |  |  | — |  |  |  | — |  |  |  | 83,035 |
Total loans |  | $ | 1,573,493 |  |  | $ | 78,637 |  |  | $ | 54,411 |  |  | $ | — |  |  | $ | — |  |  | $ | 1,706,541 |
Recorded Investment Unpaid Principal Balance and Related Information for Loans Considered to be Impaired Excluding Purchased Credit Impaired Loans | The following table presents the recorded investment, unpaid principal balance, and related allowance for loan losses for loans considered to be impaired, excluding PCI loans, as of the periods indicated:
|  | March 31, 2016 |  |  | December 31, 2015 |
(Amounts in thousands) |  | Recorded Investment |  |  | Unpaid Principal Balance |  |  | Related Allowance |  |  | Recorded Investment |  |  | Unpaid Principal Balance |  |  | Related Allowance |
Impaired loans with no related allowance |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Single family non-owner occupied |  | $ | 781 |  |  | $ | 782 |  |  | $ | — |  |  | $ | 782 |  |  | $ | 783 |  |  | $ | — |
Non-farm, non-residential |  |  | 7,983 |  |  |  | 7,983 |  |  |  | — |  |  |  | 8,427 |  |  |  | 8,427 |  |  |  | — |
Consumer real estate loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Single family owner occupied |  |  | 597 |  |  |  | 654 |  |  |  | — |  |  |  | 1,975 |  |  |  | 2,067 |  |  |  | — |
Total impaired loans with no allowance |  |  | 9,361 |  |  |  | 9,419 |  |  |  | — |  |  |  | 11,184 |  |  |  | 11,277 |  |  |  | — |
Impaired loans with a related allowance |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Single family non-owner occupied |  |  | 356 |  |  |  | 356 |  |  |  | 18 |  |  |  | 619 |  |  |  | 623 |  |  |  | 124 |
Non-farm, non-residential |  |  | 5,348 |  |  |  | 5,361 |  |  |  | 1,529 |  |  |  | 5,667 |  |  |  | 5,673 |  |  |  | 1,568 |
Consumer real estate loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Single family owner occupied |  |  | 4,962 |  |  |  | 5,013 |  |  |  | 771 |  |  |  | 4,899 |  |  |  | 4,907 |  |  |  | 672 |
Owner occupied construction |  |  | 346 |  |  |  | 354 |  |  |  | 3 |  |  |  | 349 |  |  |  | 355 |  |  |  | 7 |
Total impaired loans with an allowance |  |  | 11,012 |  |  |  | 11,084 |  |  |  | 2,321 |  |  |  | 11,534 |  |  |  | 11,558 |  |  |  | 2,371 |
Total impaired loans |  | $ | 20,373 |  |  | $ | 20,503 |  |  | $ | 2,321 |  |  | $ | 22,718 |  |  | $ | 22,835 |  |  | $ | 2,371 |
Average Annual 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:
|  | Three Months Ended March 31, |
|  | 2016 |  |  | 2015 |
(Amounts in thousands) |  | Average Recorded Investment |  |  | Interest Income Recognized |  |  | Average Recorded Investment |  |  | Interest Income Recognized |
Impaired loans with no related allowance |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Single family non-owner occupied |  | $ | 779 |  |  | $ | 8 |  |  | $ | 459 |  |  | $ | 9 |
Non-farm, non-residential |  |  | 7,990 |  |  |  | 69 |  |  |  | 8,792 |  |  |  | 83 |
Consumer real estate loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Single family owner occupied |  |  | 603 |  |  |  | — |  |  |  | 3,640 |  |  |  | 18 |
Total impaired loans with no allowance |  |  | 9,372 |  |  |  | 77 |  |  |  | 12,891 |  |  |  | 110 |
Impaired loans with a related allowance |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Single family non-owner occupied |  |  | 358 |  |  |  | 7 |  |  |  | 361 |  |  |  | 7 |
Non-farm, non-residential |  |  | 5,358 |  |  |  | 88 |  |  |  | 4,064 |  |  |  | 78 |
Consumer real estate loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Single family owner occupied |  |  | 4,961 |  |  |  | 38 |  |  |  | 2,374 |  |  |  | 18 |
Owner occupied construction |  |  | 346 |  |  |  | — |  |  |  | — |  |  |  | — |
Total impaired loans with an allowance |  |  | 11,023 |  |  |  | 133 |  |  |  | 6,799 |  |  |  | 103 |
Total impaired loans |  | $ | 20,395 |  |  | $ | 210 |  |  | $ | 19,690 |  |  | $ | 213 |
Additional Information Related to the Impaired PCI Loan Pools | The following tables present additional information related to the impaired PCI loan pools as of the dates, and in the periods, indicated:
|  | March 31, 2016 |  |  | December 31, 2015 |
(Amounts in thousands) |  |  |  |  |  |
Unpaid principal balance |  | $ | 3,664 |  |  | $ | 3,759 |
Recorded investment |  |  | 2,747 |  |  |  | 2,834 |
Allowance for loan losses related to PCI loan pools |  |  | 24 |  |  |  | 54 |
|  | Three Months Ended March 31, |
|  | 2016 |  |  | 2015 |
(Amounts in thousands) |  |  |  |  |  |
Interest income recognized |  | $ | 83 |  |  | $ | 90 |
Average recorded investment |  |  | 2,791 |  |  |  | 3,895 |
Nonaccrual Loans by Loan Class | The following table presents nonaccrual loans, by loan class, as of the dates indicated:
|  | March 31, 2016 |  |  | December 31, 2015 |
(Amounts in thousands) |  | Non-covered |  |  | Covered |  |  | Total |  |  | Non-covered |  |  | Covered |  |  | Total |
Commercial loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Construction, development, and other land |  | $ | 104 |  |  | $ | 49 |  |  | $ | 153 |  |  | $ | 39 |  |  | $ | 54 |  |  | $ | 93 |
Commercial and industrial |  |  | 96 |  |  |  | 16 |  |  |  | 112 |  |  |  | — |  |  |  | 16 |  |  |  | 16 |
Multi-family residential |  |  | 67 |  |  |  | — |  |  |  | 67 |  |  |  | 84 |  |  |  | — |  |  |  | 84 |
Single family non-owner occupied |  |  | 1,091 |  |  |  | 27 |  |  |  | 1,118 |  |  |  | 1,850 |  |  |  | 29 |  |  |  | 1,879 |
Non-farm, non-residential |  |  | 6,450 |  |  |  | 1,466 |  |  |  | 7,916 |  |  |  | 7,150 |  |  |  | 39 |  |  |  | 7,189 |
Farmland |  |  | 144 |  |  |  | — |  |  |  | 144 |  |  |  | 234 |  |  |  | — |  |  |  | 234 |
Consumer real estate loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Home equity lines |  |  | 925 |  |  |  | 307 |  |  |  | 1,232 |  |  |  | 825 |  |  |  | 413 |  |  |  | 1,238 |
Single family owner occupied |  |  | 6,939 |  |  |  | 90 |  |  |  | 7,029 |  |  |  | 7,245 |  |  |  | 96 |  |  |  | 7,341 |
Owner occupied construction |  |  | 346 |  |  |  | — |  |  |  | 346 |  |  |  | 349 |  |  |  | — |  |  |  | 349 |
Consumer and other loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Consumer loans |  |  | 34 |  |  |  | — |  |  |  | 34 |  |  |  | 71 |  |  |  | — |  |  |  | 71 |
Total nonaccrual loans |  | $ | 16,196 |  |  | $ | 1,955 |  |  | $ | 18,151 |  |  | $ | 17,847 |  |  | $ | 647 |  |  | $ | 18,494 |
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. Loans acquired with credit deterioration, with a discount, continue to accrue interest based on expected cash flows; therefore, PCI loans are not generally considered nonaccrual. Non-covered accruing loans contractually past due 90 days or more totaled $243 thousand as of March 31, 2016. There were no non-covered accruing loans contractually past due 90 days or more as of December 31, 2015.
|  | March 31, 2016 |
(Amounts in thousands) |  | 30 - 59 Days Past Due |  |  | 60 - 89 Days Past Due |  |  | 90+ Days Past Due |  |  | Total Past Due |  |  | Current Loans |  |  | Total Loans |
Non-covered loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Construction, development, and other land |  | $ | 10 |  |  | $ | 16 |  |  | $ | 85 |  |  | $ | 111 |  |  | $ | 52,419 |  |  | $ | 52,529 |
Commercial and industrial |  |  | 28 |  |  |  | 147 |  |  |  | — |  |  |  | 175 |  |  |  | 92,222 |  |  |  | 92,397 |
Multi-family residential |  |  | 74 |  |  |  | 67 |  |  |  | — |  |  |  | 141 |  |  |  | 111,247 |  |  |  | 111,388 |
Single family non-owner occupied |  |  | 615 |  |  |  | 235 |  |  |  | 538 |  |  |  | 1,388 |  |  |  | 150,207 |  |  |  | 151,595 |
Non-farm, non-residential |  |  | 11 |  |  |  | 544 |  |  |  | 4,861 |  |  |  | 5,416 |  |  |  | 516,055 |  |  |  | 521,471 |
Agricultural |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 3,650 |  |  |  | 3,650 |
Farmland |  |  | 108 |  |  |  | — |  |  |  | 68 |  |  |  | 176 |  |  |  | 26,837 |  |  |  | 27,013 |
Consumer real estate loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Home equity lines |  |  | 294 |  |  |  | 163 |  |  |  | 726 |  |  |  | 1,183 |  |  |  | 105,261 |  |  |  | 106,444 |
Single family owner occupied |  |  | 4,602 |  |  |  | 1,618 |  |  |  | 2,685 |  |  |  | 8,905 |  |  |  | 488,625 |  |  |  | 497,530 |
Owner occupied construction |  |  | 346 |  |  |  | — |  |  |  | — |  |  |  | 346 |  |  |  | 40,546 |  |  |  | 40,892 |
Consumer and other loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Consumer loans |  |  | 320 |  |  |  | 82 |  |  |  | 6 |  |  |  | 408 |  |  |  | 73,123 |  |  |  | 73,531 |
Other |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 7,451 |  |  |  | 7,451 |
Total non-covered loans |  |  | 6,408 |  |  |  | 2,872 |  |  |  | 8,969 |  |  |  | 18,249 |  |  |  | 1,667,642 |  |  |  | 1,685,891 |
Covered loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Construction, development, and other land |  |  | 48 |  |  |  | 94 |  |  |  | 37 |  |  |  | 179 |  |  |  | 5,950 |  |  |  | 6,129 |
Commercial and industrial |  |  | — |  |  |  | — |  |  |  | 16 |  |  |  | 16 |  |  |  | 1,004 |  |  |  | 1,020 |
Multi-family residential |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 100 |  |  |  | 100 |
Single family non-owner occupied |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 2,258 |  |  |  | 2,258 |
Non-farm, non-residential |  |  | — |  |  |  | — |  |  |  | 1,466 |  |  |  | 1,466 |  |  |  | 10,973 |  |  |  | 12,439 |
Agricultural |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 34 |  |  |  | 34 |
Farmland |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 632 |  |  |  | 632 |
Consumer real estate loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Home equity lines |  |  | 274 |  |  |  | 142 |  |  |  | 129 |  |  |  | 545 |  |  |  | 45,200 |  |  |  | 45,745 |
Single family owner occupied |  |  | 60 |  |  |  | 124 |  |  |  | — |  |  |  | 184 |  |  |  | 7,653 |  |  |  | 7,837 |
Owner occupied construction |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 262 |  |  |  | 262 |
Consumer and other loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Consumer loans |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 82 |  |  |  | 82 |
Total covered loans |  |  | 382 |  |  |  | 360 |  |  |  | 1,648 |  |  |  | 2,390 |  |  |  | 74,148 |  |  |  | 76,538 |
Total loans |  | $ | 6,790 |  |  | $ | 3,232 |  |  | $ | 10,617 |  |  | $ | 20,639 |  |  | $ | 1,741,790 |  |  | $ | 1,762,429 |
|  | December 31, 2015 |
(Amounts in thousands) |  | 30 - 59 Days Past Due |  |  | 60 - 89 Days Past Due |  |  | 90+ Days Past Due |  |  | Total Past Due |  |  | Current Loans |  |  | Total Loans |
Non-covered loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Construction, development, and other land |  | $ | — |  |  | $ | — |  |  | $ | 39 |  |  | $ | 39 |  |  | $ | 48,857 |  |  | $ | 48,896 |
Commercial and industrial |  |  | 281 |  |  |  | 66 |  |  |  | — |  |  |  | 347 |  |  |  | 88,556 |  |  |  | 88,903 |
Multi-family residential |  |  | 302 |  |  |  | 76 |  |  |  | 84 |  |  |  | 462 |  |  |  | 94,564 |  |  |  | 95,026 |
Single family non-owner occupied |  |  | 748 |  |  |  | 120 |  |  |  | 929 |  |  |  | 1,797 |  |  |  | 147,554 |  |  |  | 149,351 |
Non-farm, non-residential |  |  | 347 |  |  |  | 676 |  |  |  | 4,940 |  |  |  | 5,963 |  |  |  | 479,497 |  |  |  | 485,460 |
Agricultural |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 2,911 |  |  |  | 2,911 |
Farmland |  |  | 585 |  |  |  | 11 |  |  |  | 234 |  |  |  | 830 |  |  |  | 26,710 |  |  |  | 27,540 |
Consumer real estate loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Home equity lines |  |  | 668 |  |  |  | 195 |  |  |  | 468 |  |  |  | 1,331 |  |  |  | 106,036 |  |  |  | 107,367 |
Single family owner occupied |  |  | 6,122 |  |  |  | 1,943 |  |  |  | 3,191 |  |  |  | 11,256 |  |  |  | 483,953 |  |  |  | 495,209 |
Owner occupied construction |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 43,505 |  |  |  | 43,505 |
Consumer and other loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Consumer loans |  |  | 278 |  |  |  | 71 |  |  |  | 23 |  |  |  | 372 |  |  |  | 71,628 |  |  |  | 72,000 |
Other |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 7,338 |  |  |  | 7,338 |
Total non-covered loans |  |  | 9,331 |  |  |  | 3,158 |  |  |  | 9,908 |  |  |  | 22,397 |  |  |  | 1,601,109 |  |  |  | 1,623,506 |
Covered loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Construction, development, and other land |  |  | 96 |  |  |  | — |  |  |  | 42 |  |  |  | 138 |  |  |  | 6,165 |  |  |  | 6,303 |
Commercial and industrial |  |  | — |  |  |  | — |  |  |  | 16 |  |  |  | 16 |  |  |  | 1,154 |  |  |  | 1,170 |
Multi-family residential |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 640 |  |  |  | 640 |
Single family non-owner occupied |  |  | 1,422 |  |  |  | — |  |  |  | — |  |  |  | 1,422 |  |  |  | 1,252 |  |  |  | 2,674 |
Non-farm, non-residential |  |  | — |  |  |  | — |  |  |  | 39 |  |  |  | 39 |  |  |  | 14,026 |  |  |  | 14,065 |
Agricultural |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 34 |  |  |  | 34 |
Farmland |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 643 |  |  |  | 643 |
Consumer real estate loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Home equity lines |  |  | 489 |  |  |  | 37 |  |  |  | 225 |  |  |  | 751 |  |  |  | 47,814 |  |  |  | 48,565 |
Single family owner occupied |  |  | 274 |  |  |  | — |  |  |  | 42 |  |  |  | 316 |  |  |  | 8,279 |  |  |  | 8,595 |
Owner occupied construction |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 262 |  |  |  | 262 |
Consumer and other loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Consumer loans |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 84 |  |  |  | 84 |
Total covered loans |  |  | 2,281 |  |  |  | 37 |  |  |  | 364 |  |  |  | 2,682 |  |  |  | 80,353 |  |  |  | 83,035 |
Total loans |  | $ | 11,612 |  |  | $ | 3,195 |  |  | $ | 10,272 |  |  | $ | 25,079 |  |  | $ | 1,681,462 |  |  | $ | 1,706,541 |
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, 2016 |  |  | December 31, 2015 |
(Amounts in thousands) |  | Nonaccrual(1) |  |  | Accrual |  |  | Total |  |  | Nonaccrual(1) |  |  | Accrual |  |  | Total |
Commercial loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Single family non-owner occupied |  | $ | 41 |  |  | $ | 901 |  |  | $ | 942 |  |  | $ | 130 |  |  | $ | 820 |  |  | $ | 950 |
Non-farm, non-residential |  |  | — |  |  |  | 4,558 |  |  |  | 4,558 |  |  |  | — |  |  |  | 4,600 |  |  |  | 4,600 |
Consumer real estate loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Home equity lines |  |  | 123 |  |  |  | 42 |  |  |  | 165 |  |  |  | 127 |  |  |  | 43 |  |  |  | 170 |
Single family owner occupied |  |  | 692 |  |  |  | 7,890 |  |  |  | 8,582 |  |  |  | 733 |  |  |  | 8,256 |  |  |  | 8,989 |
Owner occupied construction |  |  | 346 |  |  |  | 241 |  |  |  | 587 |  |  |  | 349 |  |  |  | 243 |  |  |  | 592 |
Total TDRs |  | $ | 1,202 |  |  | $ | 13,632 |  |  | $ | 14,834 |  |  | $ | 1,339 |  |  | $ | 13,962 |  |  | $ | 15,301 |
Allowance for loan losses related to TDRs |  |  |  |  |  |  |  |  |  | $ | 590 |  |  |  |  |  |  |  |  |  |  | $ | 590 |
(1) | Nonaccrual TDRs are included in total nonaccrual loans disclosed in the nonaccrual table above.
Interest Income related to TDRs | The following table presents interest income recognized on TDRs in the periods indicated:
|  | Three Months Ended March 31, |
|  | 2016 |  |  | 2015 |
(Amounts in thousands) |  |  |  |  |  |
Interest income recognized |  | $ | 78 |  |  | $ | 148 |
Summary of Information Related to Other Real Estate Owned | The following table presents information related to other real estate owned (“OREO”), which consists of properties acquired through foreclosure, as of the dates indicated:
|  | March 31, 2016 |  |  | December 31, 2015 |
(Amounts in thousands) |  |  |  |  |  |
Non-covered OREO |  | $ | 5,313 |  |  | $ | 4,873 |
Covered OREO |  |  | 2,279 |  |  |  | 4,034 |
Total OREO |  | $ | 7,592 |  |  | $ | 8,907 |
Non-covered OREO secured by residential real estate |  | $ | 2,669 |  |  | $ | 2,677 |
Residential real estate loans in the foreclosure process(1) |  |  | 1,609 |  |  |  | 2,727 |
(1) | The recorded investment in consumer mortgage loans collateralized by residential real estate that are in the process of foreclosure according to local requirements of the applicable jurisdiction.

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