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Loans and Allowance For Loan Losses (Tables) | 6 Months Ended
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Jun. 30, 2012
Loans and Allowance for Loan Losses [Abstract] |
Summary of loans, by major class within Company's loan portfolio |
|  | June 30, |  |  | December 31, |
|  | 2012 |  |  | 2011 |
Commercial, financial, and agricultural |  | $ | 128,857,496 |  |  | $ | 128,555,173 |
Real estate construction - residential |  |  | 19,830,700 |  |  |  | 30,201,198 |
Real estate construction - commercial |  |  | 42,841,472 |  |  |  | 47,696,759 |
Real estate mortgage - residential |  |  | 220,334,153 |  |  |  | 203,454,204 |
Real estate mortgage - commercial |  |  | 404,469,004 |  |  |  | 402,960,327 |
Installment and other consumer |  |  | 27,591,103 |  |  |  | 29,883,986 |
Unamortized loan origination fees and costs, net |  |  | 181,055 |  |  |  | 178,901 |
Total loans |  | $ | 844,104,983 |  |  | $ | 842,930,548 |
Summary of the allowance for loan losses |
|  | For the Three Months Ended June 30, 2012 |
(in thousands) |  | Commercial, Financial, and Agricultural |  |  | Real Estate Construction - Residential |  |  | Real Estate Construction - Commercial |  |  | Real Estate Mortgage - Residential |  |  | Real Estate Mortgage - Commercial |  |  | Installment Loans to Individuals |  |  | Unallocated |  |  | Total |
Balance, beginning of period |  | $ | 2,722 |  |  | $ | 727 |  |  | $ | 1,410 |  |  | $ | 3,563 |  |  | $ | 5,976 |  |  | $ | 237 |  |  | $ | 5 |  |  | $ | 14,640 |
Additions: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Provision for loan losses |  |  | 363 |  |  |  | (54 | ) |  |  | 211 |  |  |  | 380 |  |  |  | 525 |  |  |  | 63 |  |  |  | 12 |  |  |  | 1,500 |
Deductions: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Loans charged off |  |  | 69 |  |  |  | — |  |  |  | — |  |  |  | 422 |  |  |  | 438 |  |  |  | 132 |  |  |  | — |  |  |  | 1,061 |
Less recoveries on loans |  |  | (29 | ) |  |  | (36 | ) |  |  | (23 | ) |  |  | (39 | ) |  |  | (44 | ) |  |  | (64 | ) |  |  | — |  |  |  | (235 | )
Net loans charged off |  |  | 40 |  |  |  | (36 | ) |  |  | (23 | ) |  |  | 383 |  |  |  | 394 |  |  |  | 68 |  |  |  | — |  |  |  | 826 |
Balance, end of period |  | $ | 3,045 |  |  | $ | 709 |  |  | $ | 1,644 |  |  | $ | 3,560 |  |  | $ | 6,107 |  |  | $ | 232 |  |  | $ | 17 |  |  | $ | 15,314 |
|  | For the Six Months Ended June 30, 2012 |
(in thousands) |  | Commercial, Financial, and Agricultural |  |  | Real Estate Construction - Residential |  |  | Real Estate Construction - Commercial |  |  | Real Estate Mortgage - Residential |  |  | Real Estate Mortgage - Commercial |  |  | Installment Loans to Individuals |  |  | Unallocated |  |  | Total |
Balance, beginning of period |  | $ | 1,804 |  |  | $ | 1,188 |  |  | $ | 1,562 |  |  | $ | 3,251 |  |  | $ | 5,734 |  |  | $ | 267 |  |  | $ | 3 |  |  | $ | 13,809 |
Additions: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Provision for loan losses |  |  | 1,230 |  |  |  | (546 | ) |  |  | 59 |  |  |  | 795 |  |  |  | 1,552 |  |  |  | 96 |  |  |  | 14 |  |  |  | 3,200 |
Deductions: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Loans charged off |  |  | 104 |  |  |  | — |  |  |  | — |  |  |  | 577 |  |  |  | 1,300 |  |  |  | 271 |  |  |  | — |  |  |  | 2,252 |
Less recoveries on loans |  |  | (115 | ) |  |  | (67 | ) |  |  | (23 | ) |  |  | (91 | ) |  |  | (121 | ) |  |  | (140 | ) |  |  | — |  |  |  | (557 | )
Net loans charged off |  |  | (11 | ) |  |  | (67 | ) |  |  | (23 | ) |  |  | 486 |  |  |  | 1,179 |  |  |  | 131 |  |  |  | — |  |  |  | 1,695 |
Balance, end of period |  | $ | 3,045 |  |  | $ | 709 |  |  | $ | 1,644 |  |  | $ | 3,560 |  |  | $ | 6,107 |  |  | $ | 232 |  |  | $ | 17 |  |  | $ | 15,314 |
|  | For the Three Months Ended June 30, 2011 |
(in thousands) |  | Commercial, Financial, and Agricultural |  |  | Real Estate Construction - Residential |  |  | Real Estate Construction - Commercial |  |  | Real Estate Mortgage - Residential |  |  | Real Estate Mortgage - Commercial |  |  | Installment Loans to Individuals |  |  | Unallocated |  |  | Total |
Balance, beginning of period |  | $ | 2,257 |  |  | $ | 991 |  |  | $ | 1,356 |  |  | $ | 3,118 |  |  | $ | 3,709 |  |  | $ | 223 |  |  | $ | 748 |  |  | $ | 12,402 |
Additions: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Provision for loan losses |  |  | 313 |  |  |  | (6 | ) |  |  | (276 | ) |  |  | 306 |  |  |  | 1,264 |  |  |  | 62 |  |  |  | 220 |  |  |  | 1,883 |
Deductions: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Loans charged off |  |  | 45 |  |  |  | — |  |  |  | — |  |  |  | 466 |  |  |  | 160 |  |  |  | 138 |  |  |  | — |  |  |  | 809 |
Less recoveries on loans |  |  | (8 | ) |  |  | (1 | ) |  |  | (250 | ) |  |  | (32 | ) |  |  | (24 | ) |  |  | (72 | ) |  |  | — |  |  |  | (387 | )
Net loans charged off |  |  | 37 |  |  |  | (1 | ) |  |  | (250 | ) |  |  | 434 |  |  |  | 136 |  |  |  | 66 |  |  |  | — |  |  |  | 422 |
Balance, end of period |  | $ | 2,533 |  |  | $ | 986 |  |  | $ | 1,330 |  |  | $ | 2,990 |  |  | $ | 4,837 |  |  | $ | 219 |  |  | $ | 968 |  |  | $ | 13,863 |
|  | For the Six Months Ended June 30, 2011 |
(in thousands) |  | Commercial, Financial, and Agricultural |  |  | Real Estate Construction - Residential |  |  | Real Estate Construction - Commercial |  |  | Real Estate Mortgage - Residential |  |  | Real Estate Mortgage - Commercial |  |  | Installment Loans to Individuals |  |  | Unallocated |  |  | Total |
Balance, beginning of period |  | $ | 2,931 |  |  | $ | 2,067 |  |  | $ | 1,339 |  |  | $ | 3,922 |  |  | $ | 3,458 |  |  | $ | 231 |  |  | $ | 617 |  |  | $ | 14,565 |
Additions: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Provision for loan losses |  |  | 406 |  |  |  | 404 |  |  |  | (259 | ) |  |  | 533 |  |  |  | 2,091 |  |  |  | 107 |  |  |  | 351 |  |  |  | 3,633 |
Deductions: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Loans charged off |  |  | 873 |  |  |  | 1,547 |  |  |  | — |  |  |  | 1,539 |  |  |  | 741 |  |  |  | 247 |  |  |  | — |  |  |  | 4,947 |
Less recoveries on loans |  |  | (69 | ) |  |  | (62 | ) |  |  | (250 | ) |  |  | (74 | ) |  |  | (29 | ) |  |  | (128 | ) |  |  | — |  |  |  | (612 | )
Net loans charged off |  |  | 804 |  |  |  | 1,485 |  |  |  | (250 | ) |  |  | 1,465 |  |  |  | 712 |  |  |  | 119 |  |  |  | — |  |  |  | 4,335 |
Balance, end of period |  | $ | 2,533 |  |  | $ | 986 |  |  | $ | 1,330 |  |  | $ | 2,990 |  |  | $ | 4,837 |  |  | $ | 219 |  |  | $ | 968 |  |  | $ | 13,863 |
Allowance for loan losses by impairment methodology |
|  | Commercial, Financial, and Agricultural |  |  | Real Estate Construction - Residential |  |  | Real Estate Construction - Commercial |  |  | Real Estate Mortgage - Residential |  |  | Real Estate Mortgage - Commercial |  |  | Installment Loans to Individuals |  |  | Unallocated |  |  | Total |
June 30, 2012 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Allowance for loan losses: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Individually evaluated for impairment |  | $ | 1,595,235 |  |  | $ | 59,493 |  |  | $ | 576,373 |  |  | $ | 720,537 |  |  | $ | 2,141,184 |  |  | $ | — |  |  | $ | — |  |  | $ | 5,092,822 |
Collectively evaluated for impairment |  |  | 1,449,561 |  |  |  | 650,002 |  |  |  | 1,067,655 |  |  |  | 2,838,972 |  |  |  | 3,966,186 |  |  |  | 231,593 |  |  |  | 16,793 |  |  |  | 10,220,762 |
Total |  | $ | 3,044,796 |  |  | $ | 709,495 |  |  | $ | 1,644,028 |  |  | $ | 3,559,509 |  |  | $ | 6,107,370 |  |  | $ | 231,593 |  |  | $ | 16,793 |  |  | $ | 15,313,584 |
Loans outstanding: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Individually evaluated for impairment |  | $ | 6,385,611 |  |  | $ | 280,267 |  |  | $ | 8,008,355 |  |  | $ | 4,979,777 |  |  | $ | 25,106,094 |  |  | $ | — |  |  | $ | — |  |  | $ | 44,760,104 |
Collectively evaluated for impairment |  |  | 122,471,885 |  |  |  | 19,550,433 |  |  |  | 34,833,117 |  |  |  | 215,354,376 |  |  |  | 379,362,910 |  |  |  | 27,772,158 |  |  |  | — |  |  |  | 799,344,879 |
Total |  | $ | 128,857,496 |  |  | $ | 19,830,700 |  |  | $ | 42,841,472 |  |  | $ | 220,334,153 |  |  | $ | 404,469,004 |  |  | $ | 27,772,158 |  |  | $ | — |  |  | $ | 844,104,983 |
December 31, 2011 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Allowance for loan losses: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Individually evaluated for impairment |  | $ | 238,840 |  |  | $ | 166,300 |  |  | $ | 379,921 |  |  | $ | 653,279 |  |  | $ | 2,309,226 |  |  | $ | — |  |  | $ | — |  |  | $ | 3,747,566 |
Collectively evaluated for impairment |  |  | 1,565,342 |  |  |  | 1,021,221 |  |  |  | 1,182,057 |  |  |  | 2,598,203 |  |  |  | 3,424,849 |  |  |  | 266,990 |  |  |  | 2,996 |  |  |  | 10,061,658 |
Total |  | $ | 1,804,182 |  |  | $ | 1,187,521 |  |  | $ | 1,561,978 |  |  | $ | 3,251,482 |  |  | $ | 5,734,075 |  |  | $ | 266,990 |  |  | $ | 2,996 |  |  | $ | 13,809,224 |
Loans outstanding: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Individually evaluated for impairment |  | $ | 4,427,673 |  |  | $ | 1,146,794 |  |  | $ | 7,867,059 |  |  | $ | 6,569,367 |  |  | $ | 33,440,384 |  |  | $ | — |  |  | $ | — |  |  | $ | 53,451,277 |
Collectively evaluated for impairment |  |  | 124,127,500 |  |  |  | 29,054,404 |  |  |  | 39,829,700 |  |  |  | 196,884,837 |  |  |  | 369,519,943 |  |  |  | 30,062,887 |  |  |  | — |  |  |  | 789,479,271 |
Total |  | $ | 128,555,173 |  |  | $ | 30,201,198 |  |  | $ | 47,696,759 |  |  | $ | 203,454,204 |  |  | $ | 402,960,327 |  |  | $ | 30,062,887 |  |  | $ | — |  |  | $ | 842,930,548 |
Categories of impaired loans |
|  | June 30, 2012 |  |  | December 31, 2011 |
Non-accrual loans |  | $ | 39,529,906 |  |  | $ | 46,402,747 |
Troubled debt restructurings continuing to accrue interest |  |  | 5,388,752 |  |  |  | 7,216,787 |
Total impaired loans |  | $ | 44,918,658 |  |  | $ | 53,619,534 |
Additional information about impaired loans |
|  | Recorded Investment |  |  | Unpaid Principal Balance |  |  | Related Allowance |
At June 30, 2012 |  |  |  |  |  |  |  |  |  |  |  |
With no related allowance recorded: |  |  |  |  |  |  |  |  |  |  |  |
Commercial, financial and Agricultural |  | $ | 2,547,912 |  |  | $ | 2,648,404 |  |  | $ | — |
Real estate - construction residential |  |  | 90,794 |  |  |  | 117,000 |  |  |  | — |
Real estate - construction commercial |  |  | 1,878,980 |  |  |  | 2,101,438 |  |  |  | — |
Real estate - residential |  |  | 1,998,725 |  |  |  | 2,610,655 |  |  |  | — |
Real estate - commercial |  |  | 10,122,800 |  |  |  | 14,368,535 |  |  |  | — |
Consumer |  |  | 158,554 |  |  |  | 183,507 |  |  |  | — |
Total |  | $ | 16,797,765 |  |  | $ | 22,029,539 |  |  | $ | — |
With an allowance recorded: |  |  |  |  |  |  |  |  |  |  |  |
Commercial, financial and Agricultural |  | $ | 3,837,699 |  |  | $ | 3,923,371 |  |  | $ | 1,595,235 |
Real estate - construction residential |  |  | 189,473 |  |  |  | 192,303 |  |  |  | 59,493 |
Real estate - construction commercial |  |  | 6,129,375 |  |  |  | 6,226,322 |  |  |  | 576,373 |
Real estate - residential |  |  | 2,981,052 |  |  |  | 3,111,412 |  |  |  | 720,537 |
Real estate - commercial |  |  | 14,983,294 |  |  |  | 15,449,609 |  |  |  | 2,141,184 |
Total |  | $ | 28,120,893 |  |  | $ | 28,903,017 |  |  | $ | 5,092,822 |
Total impaired loans |  | $ | 44,918,658 |  |  | $ | 50,932,556 |  |  | $ | 5,092,822 |
|  |  |  |  | Unpaid |  |  |  |
|  | Recorded Investment |  |  | Principal Balance |  |  | Related Allowance |
At December 31, 2011 |  |  |  |  |  |  |  |  |  |  |  |
With no related allowance recorded: |  |  |  |  |  |  |  |  |  |  |  |
Commercial, financial and Agricultural |  | $ | 3,546,088 |  |  | $ | 3,625,113 |  |  | $ | — |
Real estate - construction residential |  |  | 584,034 |  |  |  | 788,152 |  |  |  | — |
Real estate - construction commercial |  |  | 1,458,346 |  |  |  | 1,755,248 |  |  |  | — |
Real estate - residential |  |  | 2,315,344 |  |  |  | 2,653,979 |  |  |  | — |
Real estate - commercial |  |  | 15,150,920 |  |  |  | 21,189,966 |  |  |  | — |
Consumer |  |  | 168,257 |  |  |  | 177,332 |  |  |  | — |
Total |  | $ | 23,222,989 |  |  | $ | 30,189,790 |  |  | $ | — |
With an allowance recorded: |  |  |  |  |  |  |  |  |  |  |  |
Commercial, financial and Agricultural |  | $ | 881,585 |  |  | $ | 904,168 |  |  | $ | 238,840 |
Real estate - construction residential |  |  | 562,760 |  |  |  | 562,760 |  |  |  | 166,300 |
Real estate - construction commercial |  |  | 6,408,713 |  |  |  | 6,448,100 |  |  |  | 379,921 |
Real estate - residential |  |  | 4,254,023 |  |  |  | 4,265,660 |  |  |  | 653,279 |
Real estate - commercial |  |  | 18,289,464 |  |  |  | 18,779,725 |  |  |  | 2,309,226 |
Total |  | $ | 30,396,545 |  |  | $ | 30,960,413 |  |  | $ | 3,747,566 |
Total impaired loans |  | $ | 53,619,534 |  |  | $ | 61,150,203 |  |  | $ | 3,747,566 |
Average recorded investment and interest income recognized on impaired loans |
|  | For the Three Months Ended June 30, |  |  | For the Six Months Ended June 30, |
|  | 2012 |  |  | 2011 |  |  | 2012 |  |  | 2011 |
|  | Average Recorded Investment |  |  | Interest Recognized For the Period Ended |  |  | Average Recorded Investment |  |  | Interest Recognized For the Period Ended |  |  | Average Recorded Investment |  |  | Interest Recognized For the Period Ended |  |  | Average Recorded Investment |  |  | Interest Recognized For the Period Ended |
With no related allowance recorded: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial, financial and Agricultural |  | $ | 2,597,572 |  |  | $ | 21,493 |  |  | $ | 2,396,849 |  |  | $ | — |  |  | $ | 2,630,049 |  |  | $ | 43,105 |  |  | $ | 2,150,452 |  |  | $ | 11,074 |
Real estate - construction residential |  |  | 93,283 |  |  |  | — |  |  |  | 710,681 |  |  |  | — |  |  |  | 254,863 |  |  |  | 6,755 |  |  |  | 1,731,871 |  |  |  | — |
Real estate - construction commercial |  |  | 1,571,747 |  |  |  | — |  |  |  | 8,256,663 |  |  |  | — |  |  |  | 1,505,991 |  |  |  | — |  |  |  | 8,251,242 |  |  |  | — |
Real estate - residential |  |  | 2,389,527 |  |  |  | 39,892 |  |  |  | 2,801,501 |  |  |  | 7,014 |  |  |  | 3,514,860 |  |  |  | 42,225 |  |  |  | 3,429,353 |  |  |  | 11,698 |
Real estate - commercial |  |  | 12,344,559 |  |  |  | 27,762 |  |  |  | 10,539,605 |  |  |  | — |  |  |  | 13,439,332 |  |  |  | 59,404 |  |  |  | 9,977,051 |  |  |  | 18,040 |
Consumer |  |  | 146,281 |  |  |  | 15 |  |  |  | 199,852 |  |  |  | — |  |  |  | 153,203 |  |  |  | 326 |  |  |  | 203,899 |  |  |  | 1,349 |
Total |  | $ | 19,142,969 |  |  | $ | 89,162 |  |  | $ | 24,905,151 |  |  | $ | 7,014 |  |  | $ | 21,498,298 |  |  | $ | 151,815 |  |  | $ | 25,743,868 |  |  | $ | 42,161 |
With an allowance recorded: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial, financial and Agricultural |  | $ | 3,841,845 |  |  | $ | 7,182 |  |  | $ | 1,932,068 |  |  | $ | 2,208 |  |  | $ | 3,284,473 |  |  | $ | 14,402 |  |  | $ | 1,818,910 |  |  | $ | 4,400 |
Real estate - construction residential |  |  | 189,473 |  |  |  | — |  |  |  | 171,986 |  |  |  | — |  |  |  | 241,527 |  |  |  | — |  |  |  | 172,315 |  |  |  | — |
Real estate - construction commercial |  |  | 6,146,914 |  |  |  | — |  |  |  | 2,362,522 |  |  |  | — |  |  |  | 6,186,634 |  |  |  | — |  |  |  | 2,067,649 |  |  |  | — |
Real estate - residential |  |  | 2,818,306 |  |  |  | (23,249 | ) |  |  | 4,405,202 |  |  |  | 27,140 |  |  |  | 2,666,116 |  |  |  | 6,402 |  |  |  | 3,998,773 |  |  |  | 54,472 |
Real estate - commercial |  |  | 15,033,149 |  |  |  | — |  |  |  | 19,065,164 |  |  |  | 1,648 |  |  |  | 14,496,174 |  |  |  | — |  |  |  | 17,998,970 |  |  |  | 3,289 |
Total |  | $ | 28,029,687 |  |  | $ | (16,067 | ) |  | $ | 27,936,942 |  |  | $ | 30,996 |  |  | $ | 26,874,924 |  |  | $ | 20,804 |  |  | $ | 26,056,617 |  |  | $ | 62,161 |
Total impaired loans |  | $ | 47,172,656 |  |  | $ | 73,095 |  |  | $ | 52,842,093 |  |  | $ | 38,010 |  |  | $ | 48,373,222 |  |  | $ | 172,619 |  |  | $ | 51,800,485 |  |  | $ | 104,322 |
Interest income recognized on loans in non-accrual status and contractual interest |
|  | Three Months Ended June 30, |  |  | Six Months Ended June 30, |
|  | 2012 |  |  | 2011 |  |  | 2012 |  |  | 2011 |
Contractual interest due on non-accrual loans |  | $ | 483,281 |  |  | $ | 612,472 |  |  | $ | 1,109,542 |  |  | $ | 1,218,908 |
Interest income recognized on loans in non-accrual status |  |  | (14 | ) |  |  | 32,802 |  |  |  | 32 |  |  |  | 32,840 |
Net reduction in interest income |  | $ | 483,295 |  |  | $ | 579,670 |  |  | $ | 1,109,510 |  |  | $ | 1,186,068 |
Aging information of past due and non-accrual loans |
|  | Current or Less Than 30 Days Past Due |  |  | 30 - 89 Days Past Due |  |  | 90 Days Past Due And Still Accruing |  |  | Non-Accrual |  |  | Total |
June 30, 2012 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial, Financial, and Agricultural |  | $ | 124,367,126 |  |  | $ | 461,027 |  |  | $ | — |  |  | $ | 4,029,343 |  |  | $ | 128,857,496 |
Real Estate Construction - Residential |  |  | 16,723,616 |  |  |  | 2,826,817 |  |  |  | — |  |  |  | 280,267 |  |  |  | 19,830,700 |
Real Estate Construction - Commercial |  |  | 34,432,701 |  |  |  | 400,417 |  |  |  | — |  |  |  | 8,008,354 |  |  |  | 42,841,472 |
Real Estate Mortgage - Residential |  |  | 214,108,119 |  |  |  | 1,642,415 |  |  |  | 195,673 |  |  |  | 4,387,946 |  |  |  | 220,334,153 |
Real Estate Mortgage - Commercial |  |  | 380,150,636 |  |  |  | 1,652,926 |  |  |  | — |  |  |  | 22,665,442 |  |  |  | 404,469,004 |
Installment and Other Consumer |  |  | 27,233,151 |  |  |  | 379,984 |  |  |  | 469 |  |  |  | 158,554 |  |  |  | 27,772,158 |
Total |  | $ | 797,015,349 |  |  | $ | 7,363,586 |  |  | $ | 196,142 |  |  | $ | 39,529,906 |  |  | $ | 844,104,983 |
December 31, 2011 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial, Financial, and Agricultural |  | $ | 126,244,521 |  |  | $ | 242,672 |  |  | $ | — |  |  | $ | 2,067,980 |  |  | $ | 128,555,173 |
Real Estate Construction - Residential |  |  | 29,054,404 |  |  |  | — |  |  |  | — |  |  |  | 1,146,794 |  |  |  | 30,201,198 |
Real Estate Construction - Commercial |  |  | 39,821,946 |  |  |  | — |  |  |  | 7,754 |  |  |  | 7,867,059 |  |  |  | 47,696,759 |
Real Estate Mortgage - Residential |  |  | 195,779,337 |  |  |  | 3,513,373 |  |  |  | 8,566 |  |  |  | 4,152,928 |  |  |  | 203,454,204 |
Real Estate Mortgage - Commercial |  |  | 371,000,415 |  |  |  | 923,704 |  |  |  | 36,479 |  |  |  | 30,999,729 |  |  |  | 402,960,327 |
Installment and Other Consumer |  |  | 29,281,191 |  |  |  | 612,461 |  |  |  | 978 |  |  |  | 168,257 |  |  |  | 30,062,887 |
Total |  | $ | 791,181,814 |  |  | $ | 5,292,210 |  |  | $ | 53,777 |  |  | $ | 46,402,747 |  |  | $ | 842,930,548 |
Credit quality of the loan portfolio using internal rating system reflecting management's risk assessment |
|  | Commercial |  |  | Real Estate Construction - Residential |  |  | Real Estate Construction - Commercial |  |  | Real Estate Mortgage - Residential |  |  | Real Estate Mortgage - Commercial |  |  | Installment and other Consumer |  |  | Total |
At June 30, 2012 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Watch |  | $ | 13,873,941 |  |  | $ | 3,757,426 |  |  | $ | 7,569,536 |  |  | $ | 20,750,281 |  |  | $ | 26,084,889 |  |  | $ | 529,356 |  |  | $ | 72,565,429 |
Substandard |  |  | 5,700,952 |  |  |  | 2,647,446 |  |  |  | 695,529 |  |  |  | 5,701,348 |  |  |  | 13,848,780 |  |  |  | 453,927 |  |  |  | 29,047,982 |
Non-accrual |  |  | 4,029,343 |  |  |  | 280,267 |  |  |  | 8,008,354 |  |  |  | 4,387,946 |  |  |  | 22,665,442 |  |  |  | 158,554 |  |  |  | 39,529,906 |
Total |  | $ | 23,604,236 |  |  | $ | 6,685,139 |  |  | $ | 16,273,419 |  |  | $ | 30,839,575 |  |  | $ | 62,599,111 |  |  | $ | 1,141,837 |  |  | $ | 141,143,317 |
At December 31, 2011 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Watch |  | $ | 22,206,456 |  |  | $ | 9,644,326 |  |  | $ | 9,337,768 |  |  | $ | 13,231,006 |  |  | $ | 24,392,448 |  |  | $ | 557,278 |  |  | $ | 79,369,282 |
Substandard |  |  | 4,141,582 |  |  |  | 842,063 |  |  |  | 1,189,122 |  |  |  | 4,268,914 |  |  |  | 8,003,868 |  |  |  | 444,003 |  |  |  | 18,889,552 |
Non-accrual |  |  | 2,067,980 |  |  |  | 1,146,794 |  |  |  | 7,867,059 |  |  |  | 4,152,928 |  |  |  | 30,999,729 |  |  |  | 168,257 |  |  |  | 46,402,747 |
Total |  | $ | 28,416,018 |  |  | $ | 11,633,183 |  |  | $ | 18,393,949 |  |  | $ | 21,652,848 |  |  | $ | 63,396,045 |  |  | $ | 1,169,538 |  |  | $ | 144,661,581 |
Loans that were modified as TDRs |
|  | The Six Months Ended June 30, 2012 |
|  | Recorded Investment (1) |
|  | Number of Contracts |  |  | Pre- Modification |  |  | Post- Modification |
Troubled Debt Restructurings |  |  |  |  |  |  |  |  |  |  |  |
Commercial, financial and agricultural |  |  | 1 |  |  | $ | 188,036 |  |  | $ | 196,061 |
Real estate construction - commercial |  |  | 1 |  |  |  | 43,379 |  |  |  | 43,379 |
Total |  |  | 2 |  |  | $ | 231,415 |  |  | $ | 239,440 |
(1) | The amounts reported post-modification are inclusive of all partial pay-downs and charge-offs, and no portion of the debt was forgiven. Loans modified as a TDR that were fully paid down, charged-off or foreclosed upon during the period ended are not reported.

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