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Loans and Allowance For Loan Losses (Tables) | 9 Months Ended
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Sep. 30, 2012
Loans and Allowance for Loan Losses [Abstract] |
Summary of loans, by major class within Company's loan portfolio |
(in thousands) |  | September 30, 2012 |  |  | December 31, 2011 |
Commercial, financial, and agricultural |  | $ | 124,977 |  |  | $ | 128,555 |
Real estate construction - residential |  |  | 22,074 |  |  |  | 30,201 |
Real estate construction - commercial |  |  | 44,751 |  |  |  | 47,697 |
Real estate mortgage - residential |  |  | 222,124 |  |  |  | 203,454 |
Real estate mortgage - commercial |  |  | 402,969 |  |  |  | 402,960 |
Installment and other consumer |  |  | 26,006 |  |  |  | 29,884 |
Unamortized loan origination fees and costs, net |  |  | 197 |  |  |  | 179 |
Total loans |  | $ | 843,098 |  |  | $ | 842,930 |
Summary of the allowance for loan losses |
|  | For the Three Months Ended September 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 |  | $ | 3,045 |  |  | $ | 709 |  |  | $ | 1,644 |  |  | $ | 3,560 |  |  | $ | 6,107 |  |  | $ | 232 |  |  | $ | 17 |  |  | $ | 15,314 |
Additions: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Provision for loan losses |  |  | 1,239 |  |  |  | (68 | ) |  |  | 90 |  |  |  | 118 |  |  |  | 3,241 |  |  |  | 91 |  |  |  | (11 | ) |  |  | 4,700 |
Deductions: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Loans charged off |  |  | 742 |  |  |  | 0 |  |  |  | 0 |  |  |  | 41 |  |  |  | 2,366 |  |  |  | 154 |  |  |  | 0 |  |  |  | 3,303 |
Less recoveries on loans |  |  | (18 | ) |  |  | 0 |  |  |  | 0 |  |  |  | (19 | ) |  |  | (96 | ) |  |  | (76 | ) |  |  | 0 |  |  |  | (209 | )
Net loans charged off |  |  | 724 |  |  |  | 0 |  |  |  | 0 |  |  |  | 22 |  |  |  | 2,270 |  |  |  | 78 |  |  |  | 0 |  |  |  | 3,094 |
Balance, end of period |  | $ | 3,560 |  |  | $ | 641 |  |  | $ | 1,734 |  |  | $ | 3,656 |  |  | $ | 7,078 |  |  | $ | 245 |  |  | $ | 6 |  |  | $ | 16,920 |
|  | For the Nine Months Ended September 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 |  |  | 2,469 |  |  |  | (614 | ) |  |  | 149 |  |  |  | 913 |  |  |  | 4,793 |  |  |  | 187 |  |  |  | 3 |  |  |  | 7,900 |
Deductions: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Loans charged off |  |  | 846 |  |  |  | 0 |  |  |  | 0 |  |  |  | 618 |  |  |  | 3,666 |  |  |  | 425 |  |  |  | 0 |  |  |  | 5,555 |
Less recoveries on loans |  |  | (133 | ) |  |  | (67 | ) |  |  | (23 | ) |  |  | (110 | ) |  |  | (217 | ) |  |  | (216 | ) |  |  | 0 |  |  |  | (766 | )
Net loans charged off |  |  | 713 |  |  |  | (67 | ) |  |  | (23 | ) |  |  | 508 |  |  |  | 3,449 |  |  |  | 209 |  |  |  | 0 |  |  |  | 4,789 |
Balance, end of period |  | $ | 3,560 |  |  | $ | 641 |  |  | $ | 1,734 |  |  | $ | 3,656 |  |  | $ | 7,078 |  |  | $ | 245 |  |  | $ | 6 |  |  | $ | 16,920 |
|  | For the Three Months Ended September 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 |  | $ | 2,533 |  |  | $ | 986 |  |  | $ | 1,330 |  |  | $ | 2,990 |  |  | $ | 4,837 |  |  | $ | 219 |  |  | $ | 968 |  |  | $ | 13,863 |
Additions: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Provision for loan losses |  |  | 562 |  |  |  | 284 |  |  |  | 490 |  |  |  | (9 | ) |  |  | 1,550 |  |  |  | 99 |  |  |  | (966 | ) |  |  | 2,010 |
Deductions: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Loans charged off |  |  | 1,273 |  |  |  | 311 |  |  |  | 512 |  |  |  | 219 |  |  |  | 884 |  |  |  | 122 |  |  |  | 0 |  |  |  | 3,321 |
Less recoveries on loans |  |  | 0 |  |  |  | (2 | ) |  |  | 0 |  |  |  | (27 | ) |  |  | (40 | ) |  |  | (69 | ) |  |  | 0 |  |  |  | (138 | )
Net loans charged off |  |  | 1,273 |  |  |  | 309 |  |  |  | 512 |  |  |  | 192 |  |  |  | 844 |  |  |  | 53 |  |  |  | 0 |  |  |  | 3,183 |
Balance, end of period |  | $ | 1,822 |  |  | $ | 961 |  |  | $ | 1,308 |  |  | $ | 2,789 |  |  | $ | 5,543 |  |  | $ | 265 |  |  | $ | 2 |  |  | $ | 12,690 |
|  | For the Nine Months Ended September 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 |  |  | 968 |  |  |  | 688 |  |  |  | 231 |  |  |  | 524 |  |  |  | 3,641 |  |  |  | 206 |  |  |  | (615 | ) |  |  | 5,643 |
Deductions: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Loans charged off |  |  | 2,146 |  |  |  | 1,858 |  |  |  | 512 |  |  |  | 1,758 |  |  |  | 1,625 |  |  |  | 369 |  |  |  | 0 |  |  |  | 8,268 |
Less recoveries on loans |  |  | (69 | ) |  |  | (64 | ) |  |  | (250 | ) |  |  | (101 | ) |  |  | (69 | ) |  |  | (197 | ) |  |  | 0 |  |  |  | (750 | )
Net loans charged off |  |  | 2,077 |  |  |  | 1,794 |  |  |  | 262 |  |  |  | 1,657 |  |  |  | 1,556 |  |  |  | 172 |  |  |  | 0 |  |  |  | 7,518 |
Balance, end of period |  | $ | 1,822 |  |  | $ | 961 |  |  | $ | 1,308 |  |  | $ | 2,789 |  |  | $ | 5,543 |  |  | $ | 265 |  |  | $ | 2 |  |  | $ | 12,690 |
Allowance for loan losses by impairment methodology |
(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 |
September 30, 2012 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Allowance for loan losses: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Individually evaluated for impairment |  | $ | 1,952 |  |  | $ | 60 |  |  | $ | 553 |  |  | $ | 858 |  |  | $ | 2,439 |  |  | $ | 0 |  |  | $ | 0 |  |  | $ | 5,862 |
Collectively evaluated for impairment |  |  | 1,608 |  |  |  | 581 |  |  |  | 1,181 |  |  |  | 2,798 |  |  |  | 4,639 |  |  |  | 245 |  |  |  | 6 |  |  |  | 11,058 |
Total |  | $ | 3,560 |  |  | $ | 641 |  |  | $ | 1,734 |  |  | $ | 3,656 |  |  | $ | 7,078 |  |  | $ | 245 |  |  | $ | 6 |  |  | $ | 16,920 |
Loans outstanding: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Individually evaluated for impairment |  | $ | 5,676 |  |  | $ | 2,540 |  |  | $ | 7,890 |  |  | $ | 5,307 |  |  | $ | 20,585 |  |  | $ | 0 |  |  | $ | 0 |  |  | $ | 41,998 |
Collectively evaluated for impairment |  |  | 119,300 |  |  |  | 19,534 |  |  |  | 36,861 |  |  |  | 216,817 |  |  |  | 382,385 |  |  |  | 26,203 |  |  |  | 0 |  |  |  | 801,100 |
Total |  | $ | 124,976 |  |  | $ | 22,074 |  |  | $ | 44,751 |  |  | $ | 222,124 |  |  | $ | 402,970 |  |  | $ | 26,203 |  |  | $ | 0 |  |  | $ | 843,098 |
December 31, 2011 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Allowance for loan losses: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Individually evaluated for impairment |  | $ | 239 |  |  | $ | 167 |  |  | $ | 380 |  |  | $ | 653 |  |  | $ | 2,309 |  |  | $ | 0 |  |  | $ | 0 |  |  | $ | 3,748 |
Collectively evaluated for impairment |  |  | 1,565 |  |  |  | 1,021 |  |  |  | 1,182 |  |  |  | 2,598 |  |  |  | 3,425 |  |  |  | 267 |  |  |  | 3 |  |  |  | 10,061 |
Total |  | $ | 1,804 |  |  | $ | 1,188 |  |  | $ | 1,562 |  |  | $ | 3,251 |  |  | $ | 5,734 |  |  | $ | 267 |  |  | $ | 3 |  |  | $ | 13,809 |
Loans outstanding: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Individually evaluated for impairment |  | $ | 4,428 |  |  | $ | 1,147 |  |  | $ | 7,867 |  |  | $ | 6,569 |  |  | $ | 33,440 |  |  | $ | 0 |  |  | $ | 0 |  |  | $ | 53,451 |
Collectively evaluated for impairment |  |  | 124,127 |  |  |  | 29,054 |  |  |  | 39,830 |  |  |  | 196,885 |  |  |  | 369,520 |  |  |  | 30,063 |  |  |  | 0 |  |  |  | 789,479 |
Total |  | $ | 128,555 |  |  | $ | 30,201 |  |  | $ | 47,697 |  |  | $ | 203,454 |  |  | $ | 402,960 |  |  | $ | 30,063 |  |  | $ | 0 |  |  | $ | 842,930 |
Categories of impaired loans |
(in thousands) |  | September 30, 2012 |  |  | December 31, 2011 |
Non-accrual loans |  | $ | 34,233 |  |  | $ | 46,403 |
Troubled debt restructurings continuing to accrue interest |  |  | 7,967 |  |  |  | 7,217 |
Total impaired loans |  | $ | 42,200 |  |  | $ | 53,620 |
Additional information about impaired loans |
(in thousands) |  | Recorded Investment |  |  | Unpaid Principal Balance |  |  | Related Allowance |
At September 30, 2012 |  |  |  |  |  |  |  |  |  |  |  |
With no related allowance recorded: |  |  |  |  |  |  |  |  |  |  |  |
Commercial, financial and Agricultural |  | $ | 2,849 |  |  | $ | 2,955 |  |  | $ | 0 |
Real estate - construction residential |  |  | 2,350 |  |  |  | 2,379 |  |  |  | 0 |
Real estate - construction commercial |  |  | 1,879 |  |  |  | 2,110 |  |  |  | 0 |
Real estate - residential |  |  | 2,138 |  |  |  | 2,501 |  |  |  | 0 |
Real estate - commercial |  |  | 3,538 |  |  |  | 3,409 |  |  |  | 0 |
Consumer |  |  | 202 |  |  |  | 233 |  |  |  | 0 |
Total |  | $ | 12,956 |  |  | $ | 13,587 |  |  | $ | 0 |
With an allowance recorded: |  |  |  |  |  |  |  |  |  |  |  |
Commercial, financial and Agricultural |  | $ | 2,828 |  |  | $ | 2,877 |  |  | $ | 1,952 |
Real estate - construction residential |  |  | 189 |  |  |  | 189 |  |  |  | 60 |
Real estate - construction commercial |  |  | 6,011 |  |  |  | 6,115 |  |  |  | 553 |
Real estate - residential |  |  | 3,169 |  |  |  | 3,324 |  |  |  | 858 |
Real estate - commercial |  |  | 17,047 |  |  |  | 17,602 |  |  |  | 2,439 |
Total |  | $ | 29,244 |  |  | $ | 30,107 |  |  | $ | 5,862 |
Total impaired loans |  | $ | 42,200 |  |  | $ | 43,694 |  |  | $ | 5,862 |
(in thousands) |  | Recorded Investment |  |  | Unpaid Principal Balance |  |  | Related Allowance |
At December 31, 2011 |  |  |  |  |  |  |  |  |  |  |  |
With no related allowance recorded: |  |  |  |  |  |  |  |  |  |  |  |
Commercial, financial and Agricultural |  | $ | 3,546 |  |  | $ | 3,625 |  |  | $ | 0 |
Real estate - construction residential |  |  | 584 |  |  |  | 788 |  |  |  | 0 |
Real estate - construction commercial |  |  | 1,459 |  |  |  | 1,756 |  |  |  | 0 |
Real estate - residential |  |  | 2,315 |  |  |  | 2,654 |  |  |  | 0 |
Real estate - commercial |  |  | 15,151 |  |  |  | 21,190 |  |  |  | 0 |
Consumer |  |  | 168 |  |  |  | 177 |  |  |  | 0 |
Total |  | $ | 23,223 |  |  | $ | 30,190 |  |  | $ | 0 |
With an allowance recorded: |  |  |  |  |  |  |  |  |  |  |  |
Commercial, financial and Agricultural |  | $ | 882 |  |  | $ | 904 |  |  | $ | 239 |
Real estate - construction residential |  |  | 563 |  |  |  | 563 |  |  |  | 167 |
Real estate - construction commercial |  |  | 6,409 |  |  |  | 6,448 |  |  |  | 380 |
Real estate - residential |  |  | 4,254 |  |  |  | 4,265 |  |  |  | 653 |
Real estate - commercial |  |  | 18,289 |  |  |  | 18,780 |  |  |  | 2,309 |
Total |  | $ | 30,397 |  |  | $ | 30,960 |  |  | $ | 3,748 |
Total impaired loans |  | $ | 53,620 |  |  | $ | 61,150 |  |  | $ | 3,748 |
Average recorded investment and interest income recognized on impaired loans |
|  | For the Three Months Ended September 30, |  |  | For the Nine Months Ended September 30, |
|  | 2012 |  |  | 2011 |  |  | 2012 |  |  | 2011 |
(in thousands) |  | 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 |  | $ | 3,074 |  |  | $ | 23 |  |  | $ | 3,638 |  |  | $ | 19 |  |  | $ | 3,315 |  |  | $ | 66 |  |  | $ | 3,517 |  |  | $ | 30 |
Real estate - construction residential |  |  | 1,589 |  |  |  | 0 |  |  |  | 656 |  |  |  | 0 |  |  |  | 737 |  |  |  | 7 |  |  |  | 1,488 |  |  |  | 0 |
Real estate - construction commercial |  |  | 1,879 |  |  |  | 0 |  |  |  | 8,899 |  |  |  | 0 |  |  |  | 1,653 |  |  |  | 0 |  |  |  | 9,818 |  |  |  | 0 |
Real estate - residential |  |  | 2,299 |  |  |  | 5 |  |  |  | 2,583 |  |  |  | 7 |  |  |  | 3,333 |  |  |  | 47 |  |  |  | 3,631 |  |  |  | 19 |
Real estate - commercial |  |  | 3,598 |  |  |  | 28 |  |  |  | 14,035 |  |  |  | 23 |  |  |  | 10,582 |  |  |  | 87 |  |  |  | 11,844 |  |  |  | 41 |
Consumer |  |  | 181 |  |  |  | 0 |  |  |  | 179 |  |  |  | 2 |  |  |  | 162 |  |  |  | 1 |  |  |  | 195 |  |  |  | 3 |
Total |  | $ | 12,620 |  |  | $ | 56 |  |  | $ | 29,990 |  |  | $ | 51 |  |  | $ | 19,782 |  |  | $ | 208 |  |  | $ | 30,493 |  |  | $ | 93 |
With an allowance recorded: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial, financial and Agricultural |  | $ | 2,890 |  |  | $ | 7 |  |  | $ | 963 |  |  | $ | 5 |  |  | $ | 2,615 |  |  | $ | 21 |  |  | $ | 661 |  |  | $ | 10 |
Real estate - construction residential |  |  | 189 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 189 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |
Real estate - construction commercial |  |  | 6,192 |  |  |  | 0 |  |  |  | 186 |  |  |  | 0 |  |  |  | 6,180 |  |  |  | 0 |  |  |  | 83 |  |  |  | 0 |
Real estate - residential |  |  | 3,037 |  |  |  | 4 |  |  |  | 3,664 |  |  |  | 28 |  |  |  | 2,566 |  |  |  | 11 |  |  |  | 3,286 |  |  |  | 83 |
Real estate - commercial |  |  | 15,072 |  |  |  | 2 |  |  |  | 18,961 |  |  |  | 2 |  |  |  | 14,209 |  |  |  | 1 |  |  |  | 17,686 |  |  |  | 5 |
Total |  | $ | 27,380 |  |  | $ | 13 |  |  | $ | 23,774 |  |  | $ | 35 |  |  | $ | 25,759 |  |  | $ | 33 |  |  | $ | 21,716 |  |  | $ | 98 |
Total impaired loans |  | $ | 40,000 |  |  | $ | 69 |  |  | $ | 53,764 |  |  | $ | 86 |  |  | $ | 45,541 |  |  | $ | 241 |  |  | $ | 52,209 |  |  | $ | 191 |
Aging information of past due and non-accrual loans |
(in thousands) |  | Current or Less Than 30 Days Past Due |  |  | 30 - 89 Days Past Due |  |  | 90 Days Past Due And Still Accruing |  |  | Non-Accrual |  |  | Total |
September 30, 2012 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial, Financial, and Agricultural |  | $ | 121,195 |  |  | $ | 555 |  |  | $ | 0 |  |  | $ | 3,227 |  |  | $ | 124,977 |
Real Estate Construction - Residential |  |  | 19,534 |  |  |  | 0 |  |  |  | 0 |  |  |  | 2,540 |  |  |  | 22,074 |
Real Estate Construction - Commercial |  |  | 36,803 |  |  |  | 58 |  |  |  | 0 |  |  |  | 7,890 |  |  |  | 44,751 |
Real Estate Mortgage - Residential |  |  | 214,390 |  |  |  | 3,012 |  |  |  | 0 |  |  |  | 4,722 |  |  |  | 222,124 |
Real Estate Mortgage - Commercial |  |  | 386,438 |  |  |  | 879 |  |  |  | 0 |  |  |  | 15,652 |  |  |  | 402,969 |
Installment and Other Consumer |  |  | 25,596 |  |  |  | 400 |  |  |  | 5 |  |  |  | 202 |  |  |  | 26,203 |
Total |  | $ | 803,956 |  |  | $ | 4,904 |  |  | $ | 5 |  |  | $ | 34,233 |  |  | $ | 843,098 |
December 31, 2011 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial, Financial, and Agricultural |  | $ | 126,244 |  |  | $ | 243 |  |  | $ | 0 |  |  | $ | 2,068 |  |  | $ | 128,555 |
Real Estate Construction - Residential |  |  | 29,054 |  |  |  | 0 |  |  |  | 0 |  |  |  | 1,147 |  |  |  | 30,201 |
Real Estate Construction - Commercial |  |  | 39,822 |  |  |  | 0 |  |  |  | 8 |  |  |  | 7,867 |  |  |  | 47,697 |
Real Estate Mortgage - Residential |  |  | 195,779 |  |  |  | 3,513 |  |  |  | 9 |  |  |  | 4,153 |  |  |  | 203,454 |
Real Estate Mortgage - Commercial |  |  | 371,000 |  |  |  | 924 |  |  |  | 36 |  |  |  | 31,000 |  |  |  | 402,960 |
Installment and Other Consumer |  |  | 29,282 |  |  |  | 612 |  |  |  | 1 |  |  |  | 168 |  |  |  | 30,063 |
Total |  | $ | 791,181 |  |  | $ | 5,292 |  |  | $ | 54 |  |  | $ | 46,403 |  |  | $ | 842,930 |
Credit quality of the loan portfolio using internal rating system reflecting management's risk assessment |
(in thousands) |  | Commercial |  |  | Real Estate Construction - Residential |  |  | Real Estate Construction - Commercial |  |  | Real Estate Mortgage - Residential |  |  | Real Estate Mortgage - Commercial |  |  | Installment and other Consumer |  |  | Total |
At September 30, 2012 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Watch |  | $ | 21,571 |  |  | $ | 4,006 |  |  | $ | 7,485 |  |  | $ | 24,617 |  |  | $ | 27,189 |  |  | $ | 648 |  |  | $ | 85,516 |
Substandard |  |  | 6,051 |  |  |  | 390 |  |  |  | 748 |  |  |  | 4,172 |  |  |  | 12,358 |  |  |  | 442 |  |  |  | 24,161 |
Non-accrual |  |  | 3,227 |  |  |  | 2,540 |  |  |  | 7,890 |  |  |  | 4,722 |  |  |  | 15,652 |  |  |  | 202 |  |  |  | 34,233 |
Total |  | $ | 30,849 |  |  | $ | 6,936 |  |  | $ | 16,123 |  |  | $ | 33,511 |  |  | $ | 55,199 |  |  | $ | 1,292 |  |  | $ | 143,910 |
At December 31, 2011 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Watch |  | $ | 22,206 |  |  | $ | 9,644 |  |  | $ | 9,338 |  |  | $ | 13,231 |  |  | $ | 24,392 |  |  | $ | 557 |  |  | $ | 79,368 |
Substandard |  |  | 4,142 |  |  |  | 842 |  |  |  | 1,189 |  |  |  | 4,269 |  |  |  | 8,004 |  |  |  | 444 |  |  |  | 18,890 |
Non-accrual |  |  | 2,068 |  |  |  | 1,147 |  |  |  | 7,867 |  |  |  | 4,153 |  |  |  | 31,000 |  |  |  | 168 |  |  |  | 46,403 |
Total |  | $ | 28,416 |  |  | $ | 11,633 |  |  | $ | 18,394 |  |  | $ | 21,653 |  |  | $ | 63,396 |  |  | $ | 1,169 |  |  | $ | 144,661 |
Loans that were modified as TDRs |
|  | The Nine Months Ended September 30, 2012 |
|  | Recorded Investment (1) |
(in thousands) |  | Number of Contracts |  |  | Pre- Modification |  |  | Post- Modification |
Troubled Debt Restructurings |  |  |  |  |  |  |  |  |  |  |  |
Commercial, financial and agricultural |  |  | 3 |  |  | $ | 297 |  |  | $ | 280 |
Real estate construction - commercial |  |  | 1 |  |  |  | 43 |  |  |  | 42 |
Real estate mortgage - commercial |  |  | 2 |  |  |  | 644 |  |  |  | 644 |
Total |  |  | 6 |  |  | $ | 984 |  |  | $ | 966 |
(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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