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Loans and Allowance for Loan Losses (Tables) | 6 Months Ended
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Jun. 30, 2015
Loans and Leases Receivable Disclosure [Abstract] |
Summary of loans, by major class within the Company's loan portfolio |
|  | June 30, |  |  | December 31, |
(in thousands) |  | 2015 |  |  | 2014 |
Commercial, financial, and agricultural |  | $ | 162,067 |  |  | $ | 154,834 |
Real estate construction - residential |  |  | 12,088 |  |  |  | 18,103 |
Real estate construction - commercial |  |  | 48,508 |  |  |  | 48,822 |
Real estate mortgage - residential |  |  | 242,095 |  |  |  | 247,117 |
Real estate mortgage - commercial |  |  | 378,398 |  |  |  | 372,321 |
Installment and other consumer |  |  | 20,498 |  |  |  | 20,016 |
Total loans |  | $ | 863,654 |  |  | $ | 861,213 |
Summary of the allowance for loan losses |
|  | Three Months Ended June 30, 2015 |
|  | 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 |  | $ | 2,141 |  |  | $ | 48 |  |  | $ | 374 |  |  | $ | 2,709 |  |  | $ | 4,115 |  |  | $ | 190 |  |  | $ | 184 |  |  | $ | 9,761 |
Additions: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Provision for loan losses |  |  | 1,065 |  |  |  | (148 | ) |  |  | 45 |  |  |  | (284 | ) |  |  | (354 | ) |  |  | 66 |  |  |  | (140 | ) |  |  | 250 |
Deductions: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Loans charged off |  |  | 122 |  |  |  | 0 |  |  |  | 5 |  |  |  | 140 |  |  |  | 8 |  |  |  | 113 |  |  |  | 0 |  |  |  | 388 |
Less recoveries on loans |  |  | (40 | ) |  |  | (117 | ) |  |  | 0 |  |  |  | (47 | ) |  |  | (117 | ) |  |  | (42 | ) |  |  | 0 |  |  |  | (363 | )
Net loans charged off |  |  | 82 |  |  |  | (117 | ) |  |  | 5 |  |  |  | 93 |  |  |  | (109 | ) |  |  | 71 |  |  |  | 0 |  |  |  | 25 |
Balance at end of period |  | $ | 3,124 |  |  | $ | 17 |  |  | $ | 414 |  |  | $ | 2,332 |  |  | $ | 3,870 |  |  | $ | 185 |  |  | $ | 44 |  |  | $ | 9,986 |
|  | Six Months Ended June 30, 2015 |
|  | 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 |  | $ | 1,779 |  |  | $ | 171 |  |  | $ | 466 |  |  | $ | 2,527 |  |  | $ | 3,846 |  |  | $ | 270 |  |  | $ | 40 |  |  | $ | 9,099 |
Additions: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Provision for loan losses |  |  | 880 |  |  |  | (448 | ) |  |  | (47 | ) |  |  | (43 | ) |  |  | (96 | ) |  |  | 0 |  |  |  | 4 |  |  |  | 250 |
Deductions: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Loans charged off |  |  | 150 |  |  |  | 0 |  |  |  | 5 |  |  |  | 211 |  |  |  | 32 |  |  |  | 161 |  |  |  | 0 |  |  |  | 559 |
Less recoveries on loans |  |  | (615 | ) |  |  | (294 | ) |  |  | 0 |  |  |  | (59 | ) |  |  | (152 | ) |  |  | (76 | ) |  |  | 0 |  |  |  | (1,196 | )
Net loans (recovered) charged off |  |  | (465 | ) |  |  | (294 | ) |  |  | 5 |  |  |  | 152 |  |  |  | (120 | ) |  |  | 85 |  |  |  | 0 |  |  |  | (637 | )
Balance at end of period |  | $ | 3,124 |  |  | $ | 17 |  |  | $ | 414 |  |  | $ | 2,332 |  |  | $ | 3,870 |  |  | $ | 185 |  |  | $ | 44 |  |  | $ | 9,986 |
|  | Three Months Ended June 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 |  | $ | 2,452 |  |  | $ | 479 |  |  | $ | 550 |  |  | $ | 3,090 |  |  | $ | 6,019 |  |  | $ | 255 |  |  | $ | 0 |  |  | $ | 12,845 |
Additions: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Provision for loan losses |  |  | (566 | ) |  |  | (65 | ) |  |  | 145 |  |  |  | (624 | ) |  |  | 1,037 |  |  |  | 64 |  |  |  | 9 |  |  |  | 0 |
Deductions: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Loans charged off |  |  | 54 |  |  |  | 0 |  |  |  | 77 |  |  |  | 75 |  |  |  | 705 |  |  |  | 114 |  |  |  | 0 |  |  |  | 1,025 |
Less recoveries on loans |  |  | (111 | ) |  |  | (59 | ) |  |  | 0 |  |  |  | (14 | ) |  |  | (77 | ) |  |  | (69 | ) |  |  | 0 |  |  |  | (330 | )
Net loans charged off |  |  | (57 | ) |  |  | (59 | ) |  |  | 77 |  |  |  | 61 |  |  |  | 628 |  |  |  | 45 |  |  |  | 0 |  |  |  | 695 |
Balance at end of period |  | $ | 1,943 |  |  | $ | 473 |  |  | $ | 618 |  |  | $ | 2,405 |  |  | $ | 6,428 |  |  | $ | 274 |  |  | $ | 9 |  |  | $ | 12,150 |
|  | Six Months Ended June 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 |  |  | (472 | ) |  |  | (458 | ) |  |  | 478 |  |  |  | (486 | ) |  |  | 885 |  |  |  | 51 |  |  |  | 2 |  |  |  | 0 |
Deductions: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Loans charged off |  |  | 186 |  |  |  | 60 |  |  |  | 491 |  |  |  | 194 |  |  |  | 1,073 |  |  |  | 198 |  |  |  | 0 |  |  |  | 2,202 |
Less recoveries on loans |  |  | (227 | ) |  |  | (60 | ) |  |  | 0 |  |  |  | (126 | ) |  |  | (93 | ) |  |  | (127 | ) |  |  | 0 |  |  |  | (633 | )
Net loans charged off |  |  | (41 | ) |  |  | 0 |  |  |  | 491 |  |  |  | 68 |  |  |  | 980 |  |  |  | 71 |  |  |  | 0 |  |  |  | 1,569 |
Balance at end of period |  | $ | 1,943 |  |  | $ | 473 |  |  | $ | 618 |  |  | $ | 2,405 |  |  | $ | 6,428 |  |  | $ | 274 |  |  | $ | 9 |  |  | $ | 12,150 |
|  | 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 |
June 30, 2015 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Allowance for loan losses: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Individually evaluated for impairment |  | $ | 902 |  |  | $ | 0 |  |  | $ | 8 |  |  | $ | 1,331 |  |  | $ | 467 |  |  | $ | 17 |  |  | $ | 0 |  |  | $ | 2,725 |
Collectively evaluated for impairment |  |  | 2,222 |  |  |  | 17 |  |  |  | 406 |  |  |  | 1,001 |  |  |  | 3,403 |  |  |  | 168 |  |  |  | 44 |  |  |  | 7,261 |
Total |  | $ | 3,124 |  |  | $ | 17 |  |  | $ | 414 |  |  | $ | 2,332 |  |  | $ | 3,870 |  |  | $ | 185 |  |  | $ | 44 |  |  | $ | 9,986 |
Loans outstanding: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Individually evaluated for impairment |  | $ | 4,425 |  |  | $ | 0 |  |  | $ | 1,934 |  |  | $ | 6,792 |  |  | $ | 4,550 |  |  | $ | 124 |  |  | $ | 0 |  |  | $ | 17,825 |
Collectively evaluated for impairment |  |  | 157,642 |  |  |  | 12,088 |  |  |  | 46,574 |  |  |  | 235,303 |  |  |  | 373,848 |  |  |  | 20,374 |  |  |  | 0 |  |  |  | 845,829 |
Total |  | $ | 162,067 |  |  | $ | 12,088 |  |  | $ | 48,508 |  |  | $ | 242,095 |  |  | $ | 378,398 |  |  | $ | 20,498 |  |  | $ | 0 |  |  | $ | 863,654 |
December 31, 2014 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Allowance for loan losses: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Individually evaluated for impairment |  | $ | 134 |  |  | $ | 0 |  |  | $ | 0 |  |  | $ | 1,343 |  |  | $ | 246 |  |  | $ | 26 |  |  | $ | 0 |  |  | $ | 1,749 |
Collectively evaluated for impairment |  |  | 1,645 |  |  |  | 171 |  |  |  | 466 |  |  |  | 1,184 |  |  |  | 3,600 |  |  |  | 244 |  |  |  | 40 |  |  |  | 7,350 |
Total |  | $ | 1,779 |  |  | $ | 171 |  |  | $ | 466 |  |  | $ | 2,527 |  |  | $ | 3,846 |  |  | $ | 270 |  |  | $ | 40 |  |  | $ | 9,099 |
Loans outstanding: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Individually evaluated for impairment |  | $ | 7,541 |  |  | $ | 1,750 |  |  | $ | 2,096 |  |  | $ | 7,878 |  |  | $ | 16,464 |  |  | $ | 234 |  |  | $ | 0 |  |  | $ | 35,963 |
Collectively evaluated for impairment |  |  | 147,293 |  |  |  | 16,353 |  |  |  | 46,726 |  |  |  | 239,239 |  |  |  | 355,857 |  |  |  | 19,782 |  |  |  | 0 |  |  |  | 825,250 |
Total |  | $ | 154,834 |  |  | $ | 18,103 |  |  | $ | 48,822 |  |  | $ | 247,117 |  |  | $ | 372,321 |  |  | $ | 20,016 |  |  | $ | 0 |  |  | $ | 861,213 |
Schedule of impaired loans |
|  | June 30, |  |  | December 31, |
(in thousands) |  | 2015 |  |  | 2014 |
Non-accrual loans |  | $ | 11,730 |  |  | $ | 18,243 |
Troubled debt restructurings continuing to accrue interest |  |  | 6,095 |  |  |  | 17,720 |
Total impaired loans |  | $ | 17,825 |  |  | $ | 35,963 |
|  |  |  |  | Unpaid |  |  |  |
|  | Recorded |  |  | Principal |  |  | Specific |
(in thousands) |  | Investment |  |  | Balance |  |  | Reserves |
June 30, 2015 |  |  |  |  |  |  |  |  |
With no related allowance recorded: |  |  |  |  |  |  |  |  |  |  |  |
Commercial, financial and agricultural |  | $ | 2,322 |  |  | $ | 2,358 |  |  | $ | 0 |
Real estate - construction residential |  |  | 0 |  |  |  | 0 |  |  |  | 0 |
Real estate - construction commercial |  |  | 1,879 |  |  |  | 2,101 |  |  |  | 0 |
Real estate - residential |  |  | 1,816 |  |  |  | 2,243 |  |  |  | 0 |
Real estate - commercial |  |  | 3,472 |  |  |  | 3,736 |  |  |  | 0 |
Total |  | $ | 9,489 |  |  | $ | 10,438 |  |  | $ | 0 |
With an allowance recorded: |  |  |  |  |  |  |  |  |  |  |  |
Commercial, financial and agricultural |  | $ | 2,103 |  |  | $ | 2,258 |  |  | $ | 902 |
Real estate - construction commercial |  |  | 55 |  |  |  | 55 |  |  |  | 8 |
Real estate - residential |  |  | 4,976 |  |  |  | 5,098 |  |  |  | 1,331 |
Real estate - commercial |  |  | 1,078 |  |  |  | 1,348 |  |  |  | 467 |
Consumer |  |  | 124 |  |  |  | 157 |  |  |  | 17 |
Total |  | $ | 8,336 |  |  | $ | 8,916 |  |  | $ | 2,725 |
Total impaired loans |  | $ | 17,825 |  |  | $ | 19,354 |  |  | $ | 2,725 |
|  |  |  |  | Unpaid |  |  |  |
|  | Recorded |  |  | Principal |  |  | Specific |
(in thousands) |  | Investment |  |  | Balance |  |  | Reserves |
December 31, 2014 |  |  |  |  |  |  |  |  |  |  |  |
With no related allowance recorded: |  |  |  |  |  |  |  |  |  |  |  |
Commercial, financial and agricultural |  | $ | 6,021 |  |  | $ | 6,232 |  |  | $ | 0 |
Real estate - construction residential |  |  | 1,750 |  |  |  | 2,259 |  |  |  | 0 |
Real estate - construction commercial |  |  | 2,096 |  |  |  | 2,319 |  |  |  | 0 |
Real estate - residential |  |  | 3,213 |  |  |  | 3,270 |  |  |  | 0 |
Real estate - commercial |  |  | 15,409 |  |  |  | 18,950 |  |  |  | 0 |
Consumer |  |  | 36 |  |  |  | 36 |  |  |  | 0 |
Total |  | $ | 28,525 |  |  | $ | 33,066 |  |  | $ | 0 |
With an allowance recorded: |  |  |  |  |  |  |  |  |  |  |  |
Commercial, financial and agricultural |  | $ | 1,520 |  |  | $ | 1,528 |  |  | $ | 134 |
Real estate - construction residential |  |  | 0 |  |  |  | 0 |  |  |  | 0 |
Real estate - construction commercial |  |  | 0 |  |  |  | 0 |  |  |  | 0 |
Real estate - residential |  |  | 4,665 |  |  |  | 3,546 |  |  |  | 1,343 |
Real estate - commercial |  |  | 1,055 |  |  |  | 1,171 |  |  |  | 246 |
Consumer |  |  | 198 |  |  |  | 237 |  |  |  | 26 |
Total |  | $ | 7,438 |  |  | $ | 6,482 |  |  | $ | 1,749 |
Total impaired loans |  | $ | 35,963 |  |  | $ | 39,548 |  |  | $ | 1,749 |
|  | Three Months Ended June 30, |  |  | Six Months Ended June 30, |
|  | 2015 |  |  | 2014 |  |  | 2015 |  |  | 2014 |
|  |  |  |  | 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 |  | $ | 2,405 |  |  | $ | 8 |  |  | $ | 2,663 |  |  | $ | 26 |  |  | $ | 3,834 |  |  | $ | 28 |  |  | $ | 2,579 |  |  | $ | 47 |
Real estate - construction residential |  |  | 0 |  |  |  | 0 |  |  |  | 64 |  |  |  | 0 |  |  |  | 1,105 |  |  |  | 0 |  |  |  | 90 |  |  |  | 0 |
Real estate - construction commercial |  |  | 2,101 |  |  |  | 0 |  |  |  | 6,688 |  |  |  | 0 |  |  |  | 3,633 |  |  |  | 0 |  |  |  | 6,844 |  |  |  | 0 |
Real estate - residential |  |  | 2,246 |  |  |  | 8 |  |  |  | 3,281 |  |  |  | 8 |  |  |  | 3,328 |  |  |  | 20 |  |  |  | 3,091 |  |  |  | 14 |
Real estate - commercial |  |  | 4,081 |  |  |  | 21 |  |  |  | 12,614 |  |  |  | 106 |  |  |  | 11,383 |  |  |  | 86 |  |  |  | 12,212 |  |  |  | 172 |
Consumer |  |  | 0 |  |  |  | 0 |  |  |  | 8 |  |  |  | 0 |  |  |  | 10 |  |  |  | 1 |  |  |  | 16 |  |  |  | 0 |
Total |  | $ | 10,833 |  |  | $ | 37 |  |  | $ | 25,318 |  |  | $ | 140 |  |  | $ | 23,293 |  |  | $ | 135 |  |  | $ | 24,832 |  |  | $ | 233 |
With an allowance recorded: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial, financial and agricultural |  | $ | 2,263 |  |  | $ | 7 |  |  | $ | 2,103 |  |  | $ | 7 |  |  | $ | 1,677 |  |  | $ | 13 |  |  | $ | 2,222 |  |  | $ | 15 |
Real estate - construction residential |  |  | 0 |  |  |  | 0 |  |  |  | 2,260 |  |  |  | 0 |  |  |  | 565 |  |  |  | 0 |  |  |  | 2,265 |  |  |  | 0 |
Real estate - construction commercial |  |  | 55 |  |  |  | 0 |  |  |  | 62 |  |  |  | 0 |  |  |  | 14 |  |  |  | 0 |  |  |  | 84 |  |  |  | 0 |
Real estate - residential |  |  | 5,224 |  |  |  | 24 |  |  |  | 5,215 |  |  |  | 25 |  |  |  | 4,865 |  |  |  | 50 |  |  |  | 5,347 |  |  |  | 65 |
Real estate - commercial |  |  | 1,360 |  |  |  | 0 |  |  |  | 4,904 |  |  |  | 0 |  |  |  | 2,056 |  |  |  | 0 |  |  |  | 4,749 |  |  |  | 0 |
Consumer |  |  | 160 |  |  |  | 0 |  |  |  | 318 |  |  |  | 0 |  |  |  | 246 |  |  |  | 0 |  |  |  | 330 |  |  |  | 0 |
Total |  | $ | 9,062 |  |  | $ | 31 |  |  | $ | 14,862 |  |  | $ | 32 |  |  | $ | 9,423 |  |  | $ | 63 |  |  | $ | 14,997 |  |  | $ | 80 |
Total impaired loans |  | $ | 19,895 |  |  | $ | 68 |  |  | $ | 40,180 |  |  | $ | 172 |  |  | $ | 32,716 |  |  | $ | 198 |  |  | $ | 39,829 |  |  | $ | 313 |
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 |
June 30, 2015 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial, Financial, and Agricultural |  | $ | 158,166 |  |  | $ | 294 |  |  | $ | 24 |  |  | $ | 3,583 |  |  | $ | 162,067 |
Real Estate Construction - Residential |  |  | 12,088 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 12,088 |
Real Estate Construction - Commercial |  |  | 46,574 |  |  |  | 0 |  |  |  | 0 |  |  |  | 1,934 |  |  |  | 48,508 |
Real Estate Mortgage - Residential |  |  | 237,316 |  |  |  | 1,201 |  |  |  | 208 |  |  |  | 3,370 |  |  |  | 242,095 |
Real Estate Mortgage - Commercial |  |  | 375,097 |  |  |  | 582 |  |  |  | 0 |  |  |  | 2,719 |  |  |  | 378,398 |
Installment and Other Consumer |  |  | 20,167 |  |  |  | 207 |  |  |  | 0 |  |  |  | 124 |  |  |  | 20,498 |
Total |  | $ | 849,408 |  |  | $ | 2,284 |  |  | $ | 232 |  |  | $ | 11,730 |  |  | $ | 863,654 |
December 31, 2014 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial, Financial, and Agricultural |  | $ | 149,366 |  |  | $ | 189 |  |  | $ | 0 |  |  | $ | 5,279 |  |  | $ | 154,834 |
Real Estate Construction - Residential |  |  | 16,352 |  |  |  | 0 |  |  |  | 0 |  |  |  | 1,751 |  |  |  | 18,103 |
Real Estate Construction - Commercial |  |  | 46,670 |  |  |  | 0 |  |  |  | 56 |  |  |  | 2,096 |  |  |  | 48,822 |
Real Estate Mortgage - Residential |  |  | 239,469 |  |  |  | 3,229 |  |  |  | 0 |  |  |  | 4,419 |  |  |  | 247,117 |
Real Estate Mortgage - Commercial |  |  | 366,653 |  |  |  | 1,203 |  |  |  | 0 |  |  |  | 4,465 |  |  |  | 372,321 |
Installment and Other Consumer |  |  | 19,551 |  |  |  | 230 |  |  |  | 2 |  |  |  | 233 |  |  |  | 20,016 |
Total |  | $ | 838,061 |  |  | $ | 4,851 |  |  | $ | 58 |  |  | $ | 18,243 |  |  | $ | 861,213 |
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 June 30, 2015 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Watch |  | $ | 13,492 |  |  |  | 243 |  |  | $ | 4,221 |  |  | $ | 27,309 |  |  | $ | 27,486 |  |  | $ | 243 |  |  | $ | 72,994 |
Substandard |  |  | 299 |  |  |  | 1,013 |  |  |  | 99 |  |  |  | 2,841 |  |  |  | 2,762 |  |  |  | 53 |  |  |  | 7,067 |
Performing TDRs |  |  | 842 |  |  |  | 0 |  |  |  | 0 |  |  |  | 3,422 |  |  |  | 1,831 |  |  |  | 0 |  |  |  | 6,095 |
Non-accrual |  |  | 3,583 |  |  |  | 0 |  |  |  | 1,934 |  |  |  | 3,370 |  |  |  | 2,719 |  |  |  | 124 |  |  |  | 11,730 |
Total |  | $ | 18,216 |  |  | $ | 1,256 |  |  | $ | 6,254 |  |  | $ | 36,942 |  |  | $ | 34,798 |  |  | $ | 420 |  |  | $ | 97,886 |
At December 31, 2014 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Watch |  | $ | 13,651 |  |  | $ | 1,103 |  |  | $ | 4,757 |  |  | $ | 27,172 |  |  | $ | 18,191 |  |  | $ | 199 |  |  | $ | 65,073 |
Substandard |  |  | 926 |  |  |  | 90 |  |  |  | 1,211 |  |  |  | 3,124 |  |  |  | 4,102 |  |  |  | 139 |  |  |  | 9,592 |
Performing TDRs |  |  | 2,262 |  |  |  | 0 |  |  |  | 0 |  |  |  | 3,459 |  |  |  | 11,999 |  |  |  | 0 |  |  |  | 17,720 |
Non-accrual |  |  | 5,279 |  |  |  | 1,751 |  |  |  | 2,096 |  |  |  | 4,419 |  |  |  | 4,465 |  |  |  | 233 |  |  |  | 18,243 |
Total |  | $ | 22,118 |  |  | $ | 2,944 |  |  | $ | 8,064 |  |  | $ | 38,174 |  |  | $ | 38,757 |  |  | $ | 571 |  |  | $ | 110,628 |
Summary of loans that were modified as TDRs |
|  | Three Months Ended June 30, |
|  | 2015 |  |  | 2014 |
|  | 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 |  |  | 0 |  |  | $ | 0 |  |  | $ | 0 |  |  |  | 1 |  |  | $ | 72 |  |  | $ | 72 |
Real estate mortgage - residential |  |  | 1 |  |  |  | 366 |  |  |  | 355 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |
Real estate mortgage - commercial |  |  | 1 |  |  |  | 800 |  |  |  | 800 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |
Total |  |  | 2 |  |  | $ | 1,166 |  |  | $ | 1,155 |  |  |  | 1 |  |  | $ | 72 |  |  | $ | 72 |
|  | Six Months Ended June 30, |
|  | 2015 |  |  | 2014 |
|  | 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 |  |  | $ | 250 |  |  | $ | 240 |  |  |  | 3 |  |  | $ | 244 |  |  | $ | 244 |
Real estate mortgage - residential |  |  | 3 |  |  |  | 510 |  |  |  | 464 |  |  |  | 1 |  |  |  | 1,256 |  |  |  | 1,185 |
Real estate mortgage - commercial |  |  | 4 |  |  |  | 1,273 |  |  |  | 1,137 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |
Total |  |  | 10 |  |  | $ | 2,033 |  |  | $ | 1,841 |  |  |  | 4 |  |  | $ | 1,500 |  |  | $ | 1,429 |
(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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