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Loans and Allowance for Loan Losses (Tables) | 9 Months Ended
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Sep. 30, 2014
Loans and Leases Receivable Disclosure [Abstract] |
Summary of loans, by major class within the Company's loan portfolio |
|  | September 30, |  |  | December 31, |
(in thousands) |  | 2014 |  |  | 2013 |
Commercial, financial, and agricultural |  | $ | 150,733 |  |  | $ | 141,845 |
Real estate construction - residential |  |  | 19,935 |  |  |  | 21,008 |
Real estate construction - commercial |  |  | 62,391 |  |  |  | 55,076 |
Real estate mortgage - residential |  |  | 234,244 |  |  |  | 225,630 |
Real estate mortgage - commercial |  |  | 374,909 |  |  |  | 375,686 |
Installment and other consumer |  |  | 18,773 |  |  |  | 20,302 |
Total loans |  | $ | 860,985 |  |  | $ | 839,547 |
Summary of the allowance for loan losses |
|  | Three Months Ended September 30, 2014 |
|  | Commercial, |  |  | Real Estate |  |  | Real Estate |  |  | Real Estate |  |  | Real Estate |  |  | Installment |  |  |  |  |  |  |
|  | Financial, & |  |  | Construction - |  |  | Construction - |  |  | Mortgage - |  |  | Mortgage - |  |  | Loans to |  |  | Un- |  |  |  |
(in thousands) |  | Agricultural |  |  | Residential |  |  | Commercial |  |  | Residential |  |  | Commercial |  |  | Individuals |  |  | allocated |  |  | Total |
Balance at beginning of period |  | $ | 1,943 |  |  | $ | 473 |  |  | $ | 618 |  |  | $ | 2,405 |  |  | $ | 6,428 |  |  | $ | 274 |  |  | $ | 9 |  |  | $ | 12,150 |
Additions: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Provision for loan losses |  |  | (188 | ) |  |  | (94 | ) |  |  | (96 | ) |  |  | 313 |  |  |  | 7 |  |  |  | 38 |  |  |  | 20 |  |  |  | 0 |
Deductions: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Loans charged off |  |  | 105 |  |  |  | 0 |  |  |  | 0 |  |  |  | 41 |  |  |  | 80 |  |  |  | 71 |  |  |  | 0 |  |  |  | 297 |
Less recoveries on loans |  |  | (55 | ) |  |  | 0 |  |  |  | 0 |  |  |  | (26 | ) |  |  | (67 | ) |  |  | (32 | ) |  |  | 0 |  |  |  | (180 | )
Net loans charged off |  |  | 50 |  |  |  | 0 |  |  |  | 0 |  |  |  | 15 |  |  |  | 13 |  |  |  | 39 |  |  |  | 0 |  |  |  | 117 |
Balance at end of period |  | $ | 1,705 |  |  | $ | 379 |  |  | $ | 522 |  |  | $ | 2,703 |  |  | $ | 6,422 |  |  | $ | 273 |  |  | $ | 29 |  |  | $ | 12,033 |
|  | Nine Months Ended September 30, 2014 |
|  | Commercial, |  |  | Real Estate |  |  | Real Estate |  |  | Real Estate |  |  | Real Estate |  |  | Installment |  |  |  |  |  |  |
|  | Financial, & |  |  | Construction - |  |  | Construction - |  |  | Mortgage - |  |  | Mortgage - |  |  | Loans to |  |  | Un- |  |  |  |
(in thousands) |  | Agricultural |  |  | Residential |  |  | Commercial |  |  | Residential |  |  | Commercial |  |  | Individuals |  |  | allocated |  |  | Total |
Balance at beginning of period |  | $ | 2,374 |  |  | $ | 931 |  |  | $ | 631 |  |  | $ | 2,959 |  |  | $ | 6,523 |  |  | $ | 294 |  |  | $ | 7 |  |  | $ | 13,719 |
Additions: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Provision for loan losses |  |  | (660 | ) |  |  | (553 | ) |  |  | 382 |  |  |  | (171 | ) |  |  | 891 |  |  |  | 89 |  |  |  | 22 |  |  |  | 0 |
Deductions: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Loans charged off |  |  | 291 |  |  |  | 59 |  |  |  | 491 |  |  |  | 236 |  |  |  | 1,152 |  |  |  | 270 |  |  |  | 0 |  |  |  | 2,499 |
Less recoveries on loans |  |  | (282 | ) |  |  | (60 | ) |  |  | 0 |  |  |  | (151 | ) |  |  | (160 | ) |  |  | (160 | ) |  |  | 0 |  |  |  | (813 | )
Net loans charged off |  |  | 9 |  |  |  | (1 | ) |  |  | 491 |  |  |  | 85 |  |  |  | 992 |  |  |  | 110 |  |  |  | 0 |  |  |  | 1,686 |
Balance at end of period |  | $ | 1,705 |  |  | $ | 379 |  |  | $ | 522 |  |  | $ | 2,703 |  |  | $ | 6,422 |  |  | $ | 273 |  |  | $ | 29 |  |  | $ | 12,033 |
|  | Three Months Ended September 30, 2013 |
|  | Commercial, |  |  | Real Estate |  |  | Real Estate |  |  | Real Estate |  |  | Real Estate |  |  | Installment |  |  |  |  |  |  |
|  | Financial, & |  |  | Construction - |  |  | Construction - |  |  | Mortgage - |  |  | Mortgage - |  |  | Loans to |  |  | Un- |  |  |  |
(in thousands) |  | Agricultural |  |  | Residential |  |  | Commercial |  |  | Residential |  |  | Commercial |  |  | Individuals |  |  | allocated |  |  | Total |
Balance at beginning of period |  | $ | 2,119 |  |  | $ | 932 |  |  | $ | 2,202 |  |  | $ | 2,456 |  |  | $ | 7,415 |  |  | $ | 233 |  |  | $ | 1 |  |  | $ | 15,358 |
Additions: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Provision for loan losses |  |  | 444 |  |  |  | 32 |  |  |  | (216 | ) |  |  | 4 |  |  |  | (294 | ) |  |  | 25 |  |  |  | 5 |  |  |  | 0 |
Deductions: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Loans charged off |  |  | 654 |  |  |  | 0 |  |  |  | 135 |  |  |  | 368 |  |  |  | 178 |  |  |  | 91 |  |  |  | 0 |  |  |  | 1,426 |
Less recoveries on loans |  |  | (201 | ) |  |  | 0 |  |  |  | 0 |  |  |  | (39 | ) |  |  | (34 | ) |  |  | (48 | ) |  |  | 0 |  |  |  | (322 | )
Net loans charged off |  |  | 453 |  |  |  | 0 |  |  |  | 135 |  |  |  | 329 |  |  |  | 144 |  |  |  | 43 |  |  |  | 0 |  |  |  | 1,104 |
Balance at end of period |  | $ | 2,110 |  |  | $ | 964 |  |  | $ | 1,851 |  |  | $ | 2,131 |  |  | $ | 6,977 |  |  | $ | 215 |  |  | $ | 6 |  |  | $ | 14,254 |
|  | Nine Months Ended September 30, 2013 |
|  | Commercial, |  |  | Real Estate |  |  | Real Estate |  |  | Real Estate |  |  | Real Estate |  |  | Installment |  |  |  |  |  |  |
|  | Financial, & |  |  | Construction - |  |  | Construction - |  |  | Mortgage - |  |  | Mortgage - |  |  | Loans to |  |  | Un- |  |  |  |
(in thousands) |  | Agricultural |  |  | Residential |  |  | Commercial |  |  | Residential |  |  | Commercial |  |  | Individuals |  |  | allocated |  |  | Total |
Balance at beginning of period |  | $ | 1,937 |  |  | $ | 732 |  |  | $ | 1,711 |  |  | $ | 3,387 |  |  | $ | 6,834 |  |  | $ | 239 |  |  | $ | 2 |  |  | $ | 14,842 |
Additions: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Provision for loan losses |  |  | 725 |  |  |  | 351 |  |  |  | 273 |  |  |  | (586 | ) |  |  | 1,142 |  |  |  | 91 |  |  |  | 4 |  |  |  | 2,000 |
Deductions: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Loans charged off |  |  | 817 |  |  |  | 119 |  |  |  | 135 |  |  |  | 754 |  |  |  | 1,205 |  |  |  | 271 |  |  |  | 0 |  |  |  | 3,301 |
Less recoveries on loans |  |  | (265 | ) |  |  | 0 |  |  |  | (2 | ) |  |  | (84 | ) |  |  | (206 | ) |  |  | (156 | ) |  |  | 0 |  |  |  | (713 | )
Net loans charged off |  |  | 552 |  |  |  | 119 |  |  |  | 133 |  |  |  | 670 |  |  |  | 999 |  |  |  | 115 |  |  |  | 0 |  |  |  | 2,588 |
Balance at end of period |  | $ | 2,110 |  |  | $ | 964 |  |  | $ | 1,851 |  |  | $ | 2,131 |  |  | $ | 6,977 |  |  | $ | 215 |  |  | $ | 6 |  |  | $ | 14,254 |
|  | Commercial, |  |  | Real Estate |  |  | Real Estate |  |  | Real Estate |  |  | Real Estate |  |  | Installment |  |  |  |  |  |  |
|  | Financial, and |  |  | Construction - |  |  | Construction - |  |  | Mortgage - |  |  | Mortgage - |  |  | Loans to |  |  | Un- |  |  |  |
(in thousands) |  | Agricultural |  |  | Residential |  |  | Commercial |  |  | Residential |  |  | Commercial |  |  | Individuals |  |  | allocated |  |  | Total |
September 30, 2014 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Allowance for loan losses: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Individually evaluated for impairment |  | $ | 663 |  |  | $ | 273 |  |  | $ | 0 |  |  | $ | 1,728 |  |  | $ | 1,942 |  |  | $ | 55 |  |  | $ | 0 |  |  | $ | 4,661 |
Collectively evaluated for impairment |  |  | 1,042 |  |  |  | 106 |  |  |  | 522 |  |  |  | 975 |  |  |  | 4,480 |  |  |  | 218 |  |  |  | 29 |  |  |  | 7,372 |
Total |  | $ | 1,705 |  |  | $ | 379 |  |  | $ | 522 |  |  | $ | 2,703 |  |  | $ | 6,422 |  |  | $ | 273 |  |  | $ | 29 |  |  | $ | 12,033 |
Loans outstanding: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Individually evaluated for impairment |  | $ | 4,427 |  |  | $ | 2,040 |  |  | $ | 5,679 |  |  | $ | 8,639 |  |  | $ | 14,573 |  |  | $ | 268 |  |  | $ | 0 |  |  | $ | 35,626 |
Collectively evaluated for impairment |  |  | 146,306 |  |  |  | 17,895 |  |  |  | 56,712 |  |  |  | 225,605 |  |  |  | 360,336 |  |  |  | 18,505 |  |  |  | 0 |  |  |  | 825,359 |
Total |  | $ | 150,733 |  |  | $ | 19,935 |  |  | $ | 62,391 |  |  | $ | 234,244 |  |  | $ | 374,909 |  |  | $ | 18,773 |  |  | $ | 0 |  |  | $ | 860,985 |
December 31, 2013 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Allowance for loan losses: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Individually evaluated for impairment |  | $ | 721 |  |  | $ | 392 |  |  | $ | 304 |  |  | $ | 1,374 |  |  | $ | 1,989 |  |  | $ | 16 |  |  | $ | 0 |  |  | $ | 4,796 |
Collectively evaluated for impairment |  |  | 1,653 |  |  |  | 539 |  |  |  | 327 |  |  |  | 1,585 |  |  |  | 4,534 |  |  |  | 278 |  |  |  | 7 |  |  |  | 8,923 |
Total |  | $ | 2,374 |  |  | $ | 931 |  |  | $ | 631 |  |  | $ | 2,959 |  |  | $ | 6,523 |  |  | $ | 294 |  |  | $ | 7 |  |  | $ | 13,719 |
Loans outstanding: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Individually evaluated for impairment |  | $ | 4,015 |  |  | $ | 2,204 |  |  | $ | 6,615 |  |  | $ | 6,517 |  |  | $ | 15,422 |  |  | $ | 43 |  |  | $ | 0 |  |  | $ | 34,816 |
Collectively evaluated for impairment |  |  | 137,830 |  |  |  | 18,804 |  |  |  | 48,461 |  |  |  | 219,113 |  |  |  | 360,264 |  |  |  | 20,259 |  |  |  | 0 |  |  |  | 804,731 |
Total |  | $ | 141,845 |  |  | $ | 21,008 |  |  | $ | 55,076 |  |  | $ | 225,630 |  |  | $ | 375,686 |  |  | $ | 20,302 |  |  | $ | 0 |  |  | $ | 839,547
Schedule of impaired loans |
|  | September 30, |  |  | December 31, |
(in thousands) |  | 2014 |  |  | 2013 |
Non-accrual loans |  | $ | 24,380 |  |  | $ | 23,680 |
Troubled debt restructurings continuing to accrue interest |  |  | 11,246 |  |  |  | 11,395 |
Total impaired loans |  | $ | 35,626 |  |  | $ | 35,075 |
|  |  |  |  | Unpaid |  |  |  |
|  | Recorded |  |  | Principal |  |  | Specific |
(in thousands) |  | Investment |  |  | Balance |  |  | Reserves |
September 30, 2014 |  |  |  |  |  |  |  |  |  |  |  |
With no related allowance recorded: |  |  |  |  |  |  |  |  |  |  |  |
Commercial, financial and agricultural |  | $ | 2,400 |  |  | $ | 2,457 |  |  | $ | 0 |
Real estate - construction residential |  |  | 0 |  |  |  | 0 |  |  |  | 0 |
Real estate - construction commercial |  |  | 5,679 |  |  |  | 6,403 |  |  |  | 0 |
Real estate – residential |  |  | 3,116 |  |  |  | 3,568 |  |  |  | 0 |
Real estate – commercial |  |  | 9,744 |  |  |  | 11,366 |  |  |  | 0 |
Total |  | $ | 20,939 |  |  | $ | 23,794 |  |  | $ | 0 |
With an allowance recorded: |  |  |  |  |  |  |  |  |  |  |  |
Commercial, financial and agricultural |  | $ | 2,027 |  |  | $ | 2,086 |  |  | $ | 663 |
Real estate - construction residential |  |  | 2,040 |  |  |  | 2,260 |  |  |  | 273 |
Real estate - construction commercial |  |  | 0 |  |  |  | 0 |  |  |  | 0 |
Real estate – residential |  |  | 5,523 |  |  |  | 5,620 |  |  |  | 1,728 |
Real estate – commercial |  |  | 4,829 |  |  |  | 5,004 |  |  |  | 1,942 |
Consumer |  |  | 268 |  |  |  | 307 |  |  |  | 55 |
Total |  | $ | 14,687 |  |  | $ | 15,277 |  |  | $ | 4,661 |
Total impaired loans |  | $ | 35,626 |  |  | $ | 39,071 |  |  | $ | 4,661 |
|  |  |  |  | Unpaid |  |  |  |
|  | Recorded |  |  | Principal |  |  | Specific |
(in thousands) |  | Investment |  |  | Balance |  |  | Reserves |
December 31, 2013 |  |  |  |  |  |  |  |  |  |  |  |
With no related allowance recorded: |  |  |  |  |  |  |  |  |  |  |  |
Commercial, financial and agricultural |  | $ | 2,467 |  |  | $ | 2,593 |  |  | $ | 0 |
Real estate - construction residential |  |  | 44 |  |  |  | 80 |  |  |  | 0 |
Real estate - construction commercial |  |  | 6,101 |  |  |  | 7,148 |  |  |  | 0 |
Real estate - residential |  |  | 2,121 |  |  |  | 2,654 |  |  |  | 0 |
Real estate - commercial |  |  | 7,817 |  |  |  | 8,056 |  |  |  | 0 |
Consumer |  |  | 259 |  |  |  | 282 |  |  |  | 0 |
Total |  | $ | 18,809 |  |  | $ | 20,813 |  |  | $ | 0 |
With an allowance recorded: |  |  |  |  |  |  |  |  |  |  |  |
Commercial, financial and agricultural |  | $ | 1,548 |  |  | $ | 1,607 |  |  | $ | 721 |
Real estate - construction residential |  |  | 2,160 |  |  |  | 2,331 |  |  |  | 392 |
Real estate - construction commercial |  |  | 514 |  |  |  | 514 |  |  |  | 304 |
Real estate - residential |  |  | 4,396 |  |  |  | 4,570 |  |  |  | 1,374 |
Real estate - commercial |  |  | 7,605 |  |  |  | 7,925 |  |  |  | 1,989 |
Consumer |  |  | 43 |  |  |  | 45 |  |  |  | 16 |
Total |  | $ | 16,266 |  |  | $ | 16,992 |  |  | $ | 4,796 |
Total impaired loans |  | $ | 35,075 |  |  | $ | 37,805 |  |  | $ | 4,796 |
|  | Three Months Ended September 30, |  |  | Nine Months Ended September 30, |
|  | 2014 |  |  | 2013 |  |  | 2014 |  |  | 2013 |
|  |  |  |  | Interest |  |  |  |  |  | Interest |  |  |  |  |  | Interest |  |  |  |  |  | Interest |
|  | Average |  |  | Recognized |  |  | Average |  |  | Recognized |  |  | Average |  |  | Recognized |  |  | Average |  |  | Recognized |
|  | Recorded |  |  | For the |  |  | Recorded |  |  | For the |  |  | Recorded |  |  | For the |  |  | Recorded |  |  | For the |
(in thousands) |  | Investment |  |  | Period Ended |  |  | Investment |  |  | Period Ended |  |  | Investment |  |  | Period Ended |  |  | Investment |  |  | Period Ended |
With no related allowance recorded: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial, financial and agricultural |  | $ | 2,618 |  |  | $ | 22 |  |  | $ | 2,598 |  |  | $ | 22 |  |  | $ | 2,592 |  |  | $ | 69 |  |  | $ | 2,643 |  |  | $ | 71 |
Real estate - construction residential |  |  | 16 |  |  |  | 2 |  |  |  | 139 |  |  |  | 0 |  |  |  | 65 |  |  |  | 2 |  |  |  | 242 |  |  |  | 0 |
Real estate - construction commercial |  |  | 6,524 |  |  |  | 0 |  |  |  | 3,459 |  |  |  | 0 |  |  |  | 6,737 |  |  |  | 0 |  |  |  | 3,803 |  |  |  | 0 |
Real estate - residential |  |  | 3,941 |  |  |  | 26 |  |  |  | 3,168 |  |  |  | 10 |  |  |  | 3,374 |  |  |  | 40 |  |  |  | 3,179 |  |  |  | 10 |
Real estate - commercial |  |  | 12,578 |  |  |  | 84 |  |  |  | 4,346 |  |  |  | 29 |  |  |  | 12,334 |  |  |  | 255 |  |  |  | 4,348 |  |  |  | 86 |
Consumer |  |  | 0 |  |  |  | 0 |  |  |  | 202 |  |  |  | 0 |  |  |  | 11 |  |  |  | 0 |  |  |  | 212 |  |  |  | 1 |
Total |  | $ | 25,677 |  |  | $ | 134 |  |  | $ | 13,912 |  |  | $ | 61 |  |  | $ | 25,113 |  |  | $ | 366 |  |  | $ | 14,427 |  |  | $ | 168 |
With an allowance recorded: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial, financial and agricultural |  | $ | 1,940 |  |  | $ | 4 |  |  | $ | 1,996 |  |  | $ | 7 |  |  | $ | 2,128 |  |  | $ | 19 |  |  | $ | 2,031 |  |  | $ | 34 |
Real estate - construction residential |  |  | 2,260 |  |  |  | 0 |  |  |  | 2,272 |  |  |  | 0 |  |  |  | 2,263 |  |  |  | 0 |  |  |  | 2,273 |  |  |  | 0 |
Real estate - construction commercial |  |  | 0 |  |  |  | 0 |  |  |  | 4,240 |  |  |  | 0 |  |  |  | 56 |  |  |  | 0 |  |  |  | 4,240 |  |  |  | 0 |
Real estate - residential |  |  | 5,458 |  |  |  | 0 |  |  |  | 2,920 |  |  |  | 2 |  |  |  | 5,384 |  |  |  | 93 |  |  |  | 2,947 |  |  |  | 38 |
Real estate - commercial |  |  | 4,587 |  |  |  | 28 |  |  |  | 13,210 |  |  |  | 35 |  |  |  | 4,695 |  |  |  | 11 |  |  |  | 13,524 |  |  |  | 106 |
Consumer |  |  | 310 |  |  |  | 11 |  |  |  | 44 |  |  |  | 0 |  |  |  | 324 |  |  |  | 0 |  |  |  | 44 |  |  |  | 0 |
Total |  | $ | 14,555 |  |  | $ | 43 |  |  | $ | 24,682 |  |  | $ | 44 |  |  | $ | 14,850 |  |  | $ | 123 |  |  | $ | 25,059 |  |  | $ | 178 |
Total impaired loans |  | $ | 40,232 |  |  | $ | 177 |  |  | $ | 38,594 |  |  | $ | 105 |  |  | $ | 39,963 |  |  | $ | 489 |  |  | $ | 39,486 |  |  | $ | 346 |
Schedule of aging information for the Company's past due and non-accrual loans |
|  | Current or |  |  |  |  |  | 90 Days |  |  |  |  |  |  |
|  | Less Than |  |  |  |  |  | Past Due |  |  |  |  |  |  |
|  | 30 Days |  |  | 30 - 89 Days |  |  | And Still |  |  |  |  |  |  |
(in thousands) |  | Past Due |  |  | Past Due |  |  | Accruing |  |  | Non-Accrual |  |  | Total |
September 30, 2014 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial, Financial, and Agricultural |  | $ | 148,276 |  |  | $ | 421 |  |  | $ | 0 |  |  | $ | 2,036 |  |  | $ | 150,733 |
Real Estate Construction - Residential |  |  | 17,895 |  |  |  | 0 |  |  |  | 0 |  |  |  | 2,040 |  |  |  | 19,935 |
Real Estate Construction - Commercial |  |  | 56,657 |  |  |  | 0 |  |  |  | 56 |  |  |  | 5,678 |  |  |  | 62,391 |
Real Estate Mortgage - Residential |  |  | 228,157 |  |  |  | 864 |  |  |  | 48 |  |  |  | 5,175 |  |  |  | 234,244 |
Real Estate Mortgage - Commercial |  |  | 364,414 |  |  |  | 1,312 |  |  |  | 0 |  |  |  | 9,183 |  |  |  | 374,909 |
Installment and Other Consumer |  |  | 18,206 |  |  |  | 298 |  |  |  | 1 |  |  |  | 268 |  |  |  | 18,773 |
Total |  | $ | 833,605 |  |  | $ | 2,895 |  |  | $ | 105 |  |  | $ | 24,380 |  |  | $ | 860,985 |
December 31, 2013 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial, Financial, and Agricultural |  | $ | 139,219 |  |  | $ | 942 |  |  | $ | 0 |  |  | $ | 1,684 |  |  | $ | 141,845 |
Real Estate Construction - Residential |  |  | 18,738 |  |  |  | 66 |  |  |  | 0 |  |  |  | 2,204 |  |  |  | 21,008 |
Real Estate Construction - Commercial |  |  | 48,230 |  |  |  | 595 |  |  |  | 0 |  |  |  | 6,251 |  |  |  | 55,076 |
Real Estate Mortgage - Residential |  |  | 217,268 |  |  |  | 4,068 |  |  |  | 129 |  |  |  | 4,165 |  |  |  | 225,630 |
Real Estate Mortgage - Commercial |  |  | 365,787 |  |  |  | 725 |  |  |  | 100 |  |  |  | 9,074 |  |  |  | 375,686 |
Installment and Other Consumer |  |  | 19,695 |  |  |  | 291 |  |  |  | 14 |  |  |  | 302 |  |  |  | 20,302 |
Total |  | $ | 808,937 |  |  | $ | 6,687 |  |  | $ | 243 |  |  | $ | 23,680 |  |  | $ | 839,547 |
Schedule of risk categories by class |
(in thousands) |  | Commercial, Financial, & Agricultural |  |  | Real Estate Construction - Residential |  |  | Real Estate Construction - Commercial |  |  | Real Estate Mortgage - Residential |  |  | Real Estate Mortgage - Commercial |  |  | Installment and other Consumer |  |  | Total |
At September 30, 2014 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Watch |  | $ | 18,254 |  |  |  | 1,329 |  |  | $ | 5,027 |  |  | $ | 25,755 |  |  | $ | 21,332 |  |  | $ | 238 |  |  | $ | 71,935 |
Substandard |  |  | 5,197 |  |  |  | 91 |  |  |  | 1,190 |  |  |  | 7,545 |  |  |  | 9,965 |  |  |  | 170 |  |  |  | 24,158 |
Non-accrual |  |  | 2,036 |  |  |  | 2,040 |  |  |  | 5,678 |  |  |  | 5,175 |  |  |  | 9,183 |  |  |  | 268 |  |  |  | 24,380 |
Total |  | $ | 25,487 |  |  | $ | 3,460 |  |  | $ | 11,895 |  |  | $ | 38,475 |  |  | $ | 40,480 |  |  | $ | 676 |  |  | $ | 120,473 |
At December 31, 2013 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Watch |  | $ | 15,016 |  |  | $ | 2,007 |  |  | $ | 6,111 |  |  | $ | 26,331 |  |  | $ | 23,662 |  |  | $ | 388 |  |  | $ | 73,515 |
Substandard |  |  | 7,553 |  |  |  | 92 |  |  |  | 1,403 |  |  |  | 8,579 |  |  |  | 14,510 |  |  |  | 281 |  |  |  | 32,418 |
Non-accrual |  |  | 1,684 |  |  |  | 2,204 |  |  |  | 6,251 |  |  |  | 4,165 |  |  |  | 9,074 |  |  |  | 302 |  |  |  | 23,680 |
Total |  | $ | 24,253 |  |  | $ | 4,303 |  |  | $ | 13,765 |  |  | $ | 39,075 |  |  | $ | 47,246 |  |  | $ | 971 |  |  | $ | 129,613 |
Summary of loans that were modified as TDRs |
|  | Nine Months Ended September 30, |
|  | 2014 |  |  | 2013 |
|  | Recorded Investment (1) |  |  | Recorded Investment (1) |
(in thousands) |  | Number of Contracts |  |  | Pre- Modification |  |  | Post- Modification |  |  | Number of Contracts |  |  | Pre- Modification |  |  | Post- Modification |
Troubled Debt Restructurings |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial, financial and agricultural |  |  | 3 |  |  | $ | 244 |  |  | $ | 225 |  |  |  | 0 |  |  | $ | 0 |  |  | $ | 0 |
Real estate mortgage - residential |  |  | 1 |  |  |  | 1,256 |  |  |  | 1,171 |  |  |  | 1 |  |  |  | 619 |  |  |  | 481 |
Total |  |  | 4 |  |  | $ | 1,500 |  |  | $ | 1,396 |  |  |  | 1 |  |  | $ | 619 |  |  | $ | 481 |
(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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