NOTE 2 – LOANS AND LEASES

The Company’s loan and lease portfolio is disaggregated into the following segments: commercial and industrial; real estate; credit card; and all other loans and leases. The real estate segment is further disaggregated into the following classes: consumer mortgage; home equity; agricultural; commercial and industrial-owner occupied; construction, acquisition and development; and commercial real estate. A summary of gross loans and leases by segment and class as of the dates indicated follows:



		June 30,		December 31,
		2014	2013	2013

	(In thousands)

Commercial and industrial		$ 1,707,368	$ 1,559,597	$ 1,538,302
Real estate
Consumer mortgages		2,071,503	1,880,338	1,976,073
Home equity		506,988	482,068	494,339
Agricultural		238,003	237,914	234,576
Commercial and industrial-owner occupied		1,505,679	1,375,711	1,473,320
Construction, acquisition and development		772,162	709,499	741,458
Commercial real estate		1,901,759	1,754,841	1,846,039
Credit cards		109,186	103,251	111,328
All other		534,781	607,804	578,453
Total		$ 9,347,429	$ 8,711,023	$ 8,993,888

The following table shows the Company’s loans and leases, net of unearned income, as of June 30, 2014 by segment, class and geographical location:



	Alabama				Greater			Corporate
	and Florida				Memphis		Texas and	Banking
	Panhandle	Arkansas*	Mississippi*	Missouri	Area	Tennessee*	Louisiana	and Other	Total
	(In thousands)
Commercial and industrial	$ 85,845	$ 166,736	$ 282,645	$ 38,309	$ 22,403	$ 86,494	$ 296,170	$ 721,201	$ 1,699,803
Real estate
Consumer mortgages	162,767	268,149	698,709	64,881	110,498	162,614	511,039	92,846	2,071,503
Home equity	67,945	38,782	164,668	20,890	68,304	77,465	66,340	2,594	506,988
Agricultural	7,338	71,448	56,598	3,399	13,826	12,260	68,723	4,411	238,003
Commercial and industrial-owner occupied	175,413	168,289	479,599	64,571	90,239	90,953	301,538	135,077	1,505,679
Construction, acquisition and development	109,801	67,822	199,662	19,013	77,028	110,705	164,969	23,162	772,162
Commercial real estate	270,053	320,961	278,943	193,572	104,944	109,130	438,417	185,739	1,901,759
Credit cards	-	-	-	-	-	-	-	109,186	109,186
All other	29,996	43,696	133,041	3,428	37,399	35,431	75,109	148,478	506,578
Total	$ 909,158	$ 1,145,883	$ 2,293,865	$ 408,063	$ 524,641	$ 685,052	$ 1,922,305	$ 1,422,694	$ 9,311,661

* Excludes the Greater Memphis Area.

The Company’s loan concentrations which exceed 10% of total loans are reflected in the preceding tables. A substantial portion of construction, acquisition and development loans are secured by real estate in markets in which the Company is located. The Company’s loan policy generally prohibits the use of interest reserves on loans originated after March 2010. Certain of the construction, acquisition and development loans were structured with interest-only terms. A portion of the consumer mortgage and commercial real estate portfolios originated through the permanent financing of construction, acquisition and development loans. The prolonged economic downturn has negatively impacted many borrowers’ and guarantors’ ability to make payments under the terms of the loans as their liquidity has been depleted. Accordingly, the ultimate collectability of a substantial portion of these loans and the recovery of a substantial portion of the carrying amount of other real estate owned (“OREO”) are susceptible to changes in real estate values in the corresponding market areas. Continued economic distress could negatively impact additional borrowers’ and guarantors’ ability to repay their debt which would make more of the Company’s loans collateral dependent.

The following tables provide details regarding the aging of the Company’s loan and lease portfolio, net of unearned income, by segment and class at June 30, 2014 and December 31, 2013:



	June 30, 2014
							90+ Days
	30-59 Days	60-89 Days	90+ Days	Total		Total	Past Due still
	Past Due	Past Due	Past Due	Past Due	Current	Outstanding	Accruing

	(In thousands)
Commercial and industrial	$ 3,201	$ 501	$ 835	$ 4,537	$ 1,695,266	$ 1,699,803	$ 302
Real estate
Consumer mortgages	9,681	4,316	12,447	26,444	2,045,059	2,071,503	1,607
Home equity	950	236	395	1,581	505,407	506,988	116
Agricultural	1,085	37	562	1,684	236,319	238,003	100
Commercial and industrial-owner occupied	6,281	684	2,924	9,889	1,495,790	1,505,679	-
Construction, acquisition and development	1,532	140	2,173	3,845	768,317	772,162	-
Commercial real estate	1,436	1,945	1,588	4,969	1,896,790	1,901,759	-
Credit cards	330	274	308	912	108,274	109,186	281
All other	1,324	212	104	1,640	504,938	506,578	-
Total	$ 25,820	$ 8,345	$ 21,336	$ 55,501	$ 9,256,160	$ 9,311,661	$ 2,406



	December 31, 2013
							90+ Days
	30-59 Days	60-89 Days	90+ Days	Total		Total	Past Due still
	Past Due	Past Due	Past Due	Past Due	Current	Outstanding	Accruing

	(In thousands)
Commercial and industrial	$ 3,122	$ 310	$ 601	$ 4,033	$ 1,525,216	$ 1,529,249	$ 27
Real estate
Consumer mortgages	12,244	4,703	12,579	29,526	1,946,547	1,976,073	888
Home equity	1,860	869	740	3,469	490,870	494,339	-
Agricultural	319	206	883	1,408	233,168	234,576	-
Commercial and industrial-owner occupied	4,256	1,230	4,585	10,071	1,463,249	1,473,320	-
Construction, acquisition and development	2,557	2,658	7,005	12,220	729,238	741,458	-
Commercial real estate	5,597	321	2,539	8,457	1,837,582	1,846,039	311
Credit cards	455	235	350	1,040	110,288	111,328	-
All other	1,985	296	264	2,545	549,088	551,633	-
Total	$ 32,395	$ 10,828	$ 29,546	$ 72,769	$ 8,885,246	$ 8,958,015	$ 1,226

The Company utilizes an internal loan classification system to grade loans according to certain credit quality indicators. These credit quality indicators include, but are not limited to, recent credit performance, delinquency, liquidity, cash flows, debt coverage ratios, collateral type and loan-to-value ratio. The Company’s internal loan classification system is compatible with classifications used by the Federal Deposit Insurance Corporation, as well as other regulatory agencies. Loans may be classified as follows:

Pass: Loans which are performing as agreed with few or no signs of weakness. These loans show sufficient cash flow, capital and collateral to repay the loan as agreed.

Special Mention: Loans where potential weaknesses have developed which could cause a more serious problem if not corrected.

Substandard: Loans where well-defined weaknesses exist that require corrective action to prevent further deterioration.

Doubtful: Loans having all the characteristics of Substandard and which have deteriorated to a point where collection and liquidation in full is highly questionable.

Loss: Loans that are considered uncollectible or with limited possible recovery.

Impaired: Loans for which it is probable that the Company will be unable to collect all amounts due according to the contractual terms of the loan agreement and for which a specific impairment reserve has been considered.

The following tables provide details of the Company’s loan and lease portfolio, net of unearned income, by segment, class and internally assigned grade at June 30, 2014 and December 31, 2013:


	June 30, 2014
		Special
	Pass	Mention	Substandard	Doubtful	Loss	Impaired (1)	Total

	(In thousands)
Commercial and industrial	$ 1,650,893	$ 16,307	$ 31,157	$ -	$ -	$ 1,446	$ 1,699,803
Real estate
Consumer mortgages	1,983,165	-	82,769	-	-	5,569	2,071,503
Home equity	496,451	-	9,903	-	-	634	506,988
Agricultural	224,337	509	12,724	-	-	433	238,003
Commercial and industrial-owner occupied	1,435,618	3,782	61,508	342	-	4,429	1,505,679
Construction, acquisition and development	721,572	255	43,238	576	-	6,521	772,162
Commercial real estate	1,814,209	-	76,286	350	-	10,914	1,901,759
Credit cards	109,186	-	-	-	-	-	109,186
All other	495,292	-	11,104	-	-	182	506,578
Total	$ 8,930,723	$ 20,853	$ 328,689	$ 1,268	$ -	$ 30,128	$ 9,311,661


	December 31, 2013
		Special
	Pass	Mention	Substandard	Doubtful	Loss	Impaired (1)	Total

	(In thousands)
Commercial and industrial	$ 1,495,972	$ 978	$ 30,886	$ 99	$ -	$ 1,314	$ 1,529,249
Real estate
Consumer mortgages	1,859,094	1,531	108,615	427	-	6,406	1,976,073
Home equity	478,283	250	14,570	96	-	1,140	494,339
Agricultural	214,728	779	18,187	-	-	882	234,576
Commercial and industrial-owner occupied	1,409,757	116	50,853	849	-	11,745	1,473,320
Construction, acquisition and development	674,299	1,459	49,401	587	-	15,712	741,458
Commercial real estate	1,751,553	386	76,199	420	-	17,481	1,846,039
Credit cards	111,328	-	-	-	-	-	111,328
All other	538,467	71	12,832	-	-	263	551,633
Total	$ 8,533,481	$ 5,570	$ 361,543	$ 2,478	$ -	$ 54,943	$ 8,958,015
(1) Impaired loans are shown exclusive of accruing troubled debt restructurings ("TDRs").

The following tables provide details regarding impaired loans and leases, net of unearned income, by segment and class as of and for the three months and six months ended June 30, 2014 and as of and for the year ended December 31, 2013:


	June 30, 2014
		Unpaid		Average Recorded Investment		Interest Income Recognized
	Recorded	Principal	Related	Three months	Six months	Three months	Six months
	Investment	Balance of	Allowance	ended	ended	ended	ended
	in Impaired	Impaired	for Credit	June 30,	June 30,	June 30,	June 30,
	Loans	Loans	Losses	2014	2014	2014	2014
	(In thousands)
With no related allowance:
Commercial and industrial	$ 1,275	$ 1,275	$ -	$ 1,281	$ 1,291	$ 16	$ 27
Real estate:
Consumer mortgages	4,979	5,854	-	4,253	4,743	15	37
Home equity	215	216	-	217	218	1	3
Agricultural	433	740	-	433	499	1	2
Commercial and industrial-owner occupied	3,975	4,929	-	3,408	5,307	19	33
Construction, acquisition and development	6,521	8,049	-	6,831	7,849	23	43
Commercial real estate	6,378	10,006	-	7,237	10,849	47	81
All other	182	325	-	184	200	3	4
Total	$ 23,958	$ 31,394	$ -	$ 23,844	$ 30,956	$ 125	$ 230

With an allowance:
Commercial and industrial	$ 171	$ 200	$ 183	$ 57	$ 28	$ -	$ -
Real estate:
Consumer mortgages	590	590	179	1,482	1,318	14	19
Home equity	419	419	71	-	-	-	-
Agricultural	-	-	-	-	81	-	-
Commercial and industrial-owner occupied	454	454	115	1,576	1,390	9	11
Construction, acquisition and development	-	-	-	201	782	-	-
Commercial real estate	4,536	4,617	823	8,485	6,668	44	65
All other	-	-	-	-	10	-	-
Total	$ 6,170	$ 6,280	$ 1,371	$ 11,801	$ 10,277	$ 67	$ 95

Total:
Commercial and industrial	$ 1,446	$ 1,475	$ 183	$ 1,338	$ 1,319	$ 16	$ 27
Real estate:
Consumer mortgages	5,569	6,444	179	5,735	6,061	29	56
Home equity	634	635	71	217	218	1	3
Agricultural	433	740	-	433	580	1	2
Commercial and industrial-owner occupied	4,429	5,383	115	4,984	6,697	28	44
Construction, acquisition and development	6,521	8,049	-	7,032	8,631	23	43
Commercial real estate	10,914	14,623	823	15,722	17,517	91	146
All other	182	325	-	184	210	3	4
Total	$ 30,128	$ 37,674	$ 1,371	$ 35,645	$ 41,233	$ 192	$ 325



	December 31, 2013
		Unpaid
	Recorded	Principal	Related
	Investment	Balance of	Allowance	Average	Interest
	in Impaired	Impaired	for Credit	Recorded	Income
	Loans	Loans	Losses	Investment	Recognized

	(In thousands)
With no related allowance:
Commercial and industrial	$ 1,314	$ 1,314	$ -	$ 2,578	$ 16
Real estate:
Consumer mortgages	5,744	6,591	-	8,943	54
Home equity	712	712	-	933	5
Agricultural	882	1,472	-	3,286	4
Commercial and industrial-owner occupied	9,938	12,681	-	8,150	76
Construction, acquisition and development	11,549	13,497	-	25,877	103
Commercial real estate	13,562	23,233	-	24,185	173
All other	263	405	-	655	6
Total	$ 43,964	$ 59,905	$ -	$ 74,607	$ 437

With an allowance:
Commercial and industrial	$ -	$ -	$ 305	$ 590	$ -
Real estate:
Consumer mortgages	662	662	309	3,417	31
Home equity	428	428	37	444	3
Agricultural	-	-	15	402	2
Commercial and industrial-owner occupied	1,807	1,807	739	4,735	54
Construction, acquisition and development	4,163	5,393	1,599	7,989	67
Commercial real estate	3,919	3,919	1,138	11,280	51
All other	-	-	4	-	-
Total	$ 10,979	$ 12,209	$ 4,146	$ 28,857	$ 208

Total:
Commercial and industrial	$ 1,314	$ 1,314	$ 305	$ 3,168	$ 16
Real estate:
Consumer mortgages	6,406	7,253	309	12,360	85
Home equity	1,140	1,140	37	1,377	8
Agricultural	882	1,472	15	3,688	6
Commercial and industrial-owner occupied	11,745	14,488	739	12,885	130
Construction, acquisition and development	15,712	18,890	1,599	33,866	170
Commercial real estate	17,481	27,152	1,138	35,465	224
All other	263	405	4	655	6
Total	$ 54,943	$ 72,114	$ 4,146	$ 103,464	$ 645

The following tables provide details regarding impaired loans and leases, net of unearned income, which include accruing TDRs, by segment and class as of and for the three months and six months ended June 30, 2014 and as of and for the year ended December 31, 2013:


	June 30, 2014
		Unpaid
	Recorded	Principal	Related	Average Recorded Investment		Interest Income Recognized
	Investment	Balance of	Allowance	Three months	Six months	Three months	Six months
	in Impaired	Impaired	for Credit	ended	ended	ended	ended
	Loans	Loans	Losses	June 30, 2014	June 30, 2014	June 30, 2014	June 30, 2014
	(In thousands)
With no related allowance:
Commercial and industrial	$ 1,275	$ 1,275	$ -	$ 1,281	$ 1,291	$ 16	$ 27
Real estate:
Consumer mortgages	4,979	5,854	-	4,253	4,743	15	37
Home equity	216	216	-	217	218	1	3
Agricultural	433	740	-	433	499	1	2
Commercial and industrial-owner occupied	3,974	4,929	-	3,408	5,307	19	33
Construction, acquisition and development	6,521	8,049	-	6,831	7,849	23	43
Commercial real estate	6,378	10,006	-	7,237	10,849	47	81
All other	182	325	-	184	200	3	4
Total	$ 23,958	$ 31,394	$ -	$ 23,844	$ 30,956	$ 125	$ 230

With an allowance:
Commercial and industrial	$ 656	$ 1,076	$ 302	$ 1,236	$ 1,323	$ 15	$ 31
Real estate:
Consumer mortgages	2,350	2,576	437	4,567	4,244	38	67
Home equity	429	723	71	23	21	-	-
Agricultural	-	-	-	421	603	5	11
Commercial and industrial-owner occupied	4,238	5,388	240	7,904	7,874	72	142
Construction, acquisition and development	1,693	2,553	134	2,495	2,899	21	83
Commercial real estate	6,387	6,682	1,242	10,577	9,237	92	185
Credit card	1,228	1,228	29	1,335	1,434	134	143
All other	146	182	14	107	104	1	2
Total	$ 17,127	$ 20,408	$ 2,469	$ 28,665	$ 27,739	$ 378	$ 664

Total:
Commercial and industrial	$ 1,931	$ 2,351	$ 302	$ 2,517	$ 2,614	$ 31	$ 58
Real estate:
Consumer mortgages	7,329	8,430	437	8,820	8,987	53	104
Home equity	645	939	71	240	239	1	3
Agricultural	433	740	-	854	1,102	6	13
Commercial and industrial-owner occupied	8,212	10,317	240	11,312	13,181	91	175
Construction, acquisition and development	8,214	10,602	134	9,326	10,748	44	126
Commercial real estate	12,765	16,688	1,242	17,814	20,086	139	266
Credit card	1,228	1,228	29	1,335	1,434	134	143
All other	328	507	14	291	304	4	6
Total	$ 41,085	$ 51,802	$ 2,469	$ 52,509	$ 58,695	$ 503	$ 894


	December 31, 2013
		Unpaid
	Recorded	Principal	Related
	Investment	Balance of	Allowance	Average	Interest
	in Impaired	Impaired	for Credit	Recorded	Income
	Loans	Loans	Losses	Investment	Recognized

	(In thousands)
With no related allowance:
Commercial and industrial	$ 1,314	$ 1,314	$ -	$ 2,579	$ 16
Real estate:
Consumer mortgages	5,744	6,591	-	8,943	54
Home equity	712	712	-	933	5
Agricultural	882	1,472	-	3,286	4
Commercial and industrial-owner occupied	9,938	12,681	-	8,150	76
Construction, acquisition and development	11,549	13,497	-	25,877	103
Commercial real estate	13,562	23,233	-	24,185	173
All other	263	405	-	655	6
Total	$ 43,964	$ 59,905	$ -	$ 74,608	$ 437

With an allowance:
Commercial and industrial	$ 937	$ 937	$ 415	$ 975	$ 14
Real estate:
Consumer mortgages	4,151	4,378	771	6,921	164
Home equity	438	438	-	444	2
Agricultural	625	639	43	871	21
Commercial and industrial-owner occupied	9,590	9,997	1,371	11,895	350
Construction, acquisition and development	10,897	13,933	1,554	15,181	320
Commercial real estate	12,619	12,887	1,604	15,140	224
Credit cards	1,639	1,639	51	2,018	202
All other	1,307	1,310	198	646	24
Total	$ 42,203	$ 46,158	$ 6,007	$ 54,091	$ 1,321

Total:
Commercial and industrial	$ 2,251	$ 2,251	$ 415	$ 3,554	$ 30
Real estate:
Consumer mortgages	9,895	10,969	771	15,864	218
Home equity	1,150	1,150	-	1,377	7
Agricultural	1,507	2,111	43	4,157	25
Commercial and industrial-owner occupied	19,528	22,678	1,371	20,045	426
Construction, acquisition and development	22,446	27,430	1,554	41,058	423
Commercial real estate	26,181	36,120	1,604	39,325	397
Credit cards	1,639	1,639	51	2,018	202
All other	1,570	1,715	198	1,301	30
Total	$ 86,167	$ 106,063	$ 6,007	$ 128,699	$ 1,758

Loans considered impaired under Financial Accounting Standards Board (“FASB”) Accounting Standards Codification (“ASC”) Topic 310, Receivables (“FASB ASC 310”), are loans for which, based on current information and events, it is probable that the Company will be unable to collect all amounts due according to the contractual terms of the loan agreement. The Company’s recorded investment in loans considered impaired exclusive of accruing TDRs at June 30, 2014 and December 31, 2013 was $30.1 million and $54.9 million, respectively. At June 30, 2014 and December 31, 2013, $6.2 million and $11.0 million, respectively, of those impaired loans had a valuation allowance of $1.4 million and $4.1 million, respectively. The remaining balance of impaired loans of $24.0 million and $44.0 million at June 30, 2014 and December 31, 2013, respectively, were charged down to fair value, less estimated selling costs which approximated net realizable value. Therefore, such loans did not have an associated valuation allowance. Impaired loans that were characterized as TDRs totaled $7.4 million and $19.1 million at June 30, 2014 and December 31, 2013, respectively. The average recorded investment in impaired loans was $35.6 million and $41.2 million for the three months and six months ended June 30, 2014, respectively, and $103.5 million for the year ended December 31, 2013.

Non-performing loans and leases (“NPLs”) consist of non-accrual loans and leases, loans and leases 90 days or more past due and still accruing, and loans and leases that have been restructured (primarily in the form of reduced interest rates and modified payment terms) because of the borrower’s weakened financial condition or bankruptcy proceedings. The following table presents information concerning NPLs as of the dates indicated:



		June 30,		December 31,
		2014	2013	2013

	(In thousands)

Non-accrual loans and leases		$ 64,533	$ 149,542	$ 92,173
Loans and leases 90 days or more past due, still accruing		2,406	1,440	1,226
Restructured loans and leases still accruing		6,712	16,953	27,007
Total non-performing loans and leases		$ 73,651	$ 167,935	$ 120,406

The Bank’s policy for all loan classifications provides that loans and leases are generally placed in non-accrual status if, in management’s opinion, payment in full of principal or interest is not expected or payment of principal or interest is more than 90 days past due, unless such loan or lease is both well-secured and in the process of collection. At June 30, 2014, the Company’s geographic NPL distribution was concentrated primarily in its Alabama, Mississippi and Tennessee markets, including the greater Memphis, Tennessee area, a portion of which is in northwest Mississippi and Arkansas. The following table presents the Company’s nonaccrual loans and leases by segment and class as of the dates indicated:



	June 30,		December 31,
	2014	2013	2013

	(In thousands)
Commercial and industrial	$ 2,917	$ 6,225	$ 3,079
Real estate
Consumer mortgages	24,355	34,226	25,645
Home equity	2,116	3,862	3,695
Agricultural	595	5,007	1,260
Commercial and industrial-owner occupied	11,094	17,084	18,568
Construction, acquisition and development	9,202	39,315	17,567
Commercial real estate	13,406	40,940	20,972
Credit cards	132	398	119
All other	716	2,485	1,268
Total	$ 64,533	$ 149,542	$ 92,173

In the normal course of business, management will sometimes grant concessions, which would not otherwise be considered, to borrowers that are experiencing financial difficulty. Loans identified as meeting the criteria set out in FASB ASC 310 are identified as TDRs. The concessions granted most frequently for TDRs involve reductions or delays in required payments of principal and interest for a specified period, the rescheduling of payments in accordance with a bankruptcy plan or the charge-off of a portion of the loan. In most cases, the conditions of the credit also warrant nonaccrual status, even after the restructure occurs. Other conditions that warrant a loan being considered a TDR include reductions in interest rates to below market rates due to bankruptcy plans or by the bank in an attempt to assist the borrower in working through liquidity problems. As part of the credit approval process, the restructured loans are evaluated for adequate collateral protection in determining the appropriate accrual status at the time of restructure. TDRs recorded as nonaccrual loans may generally be returned to accrual status in periods after the restructure if there has been at least a six-month period of sustained repayment performance by the borrower in accordance with the terms of the restructured loan and the interest rate at the time of restructure was at or above market for a comparable loan. During the second quarter of 2014, the most common concessions that were granted involved rescheduling payments of principal and interest over a longer amortization period, granting a period of reduced principal payment or interest only payment for a limited time period, or the rescheduling of payments in accordance with a bankruptcy plan.

The following tables summarize the financial effect of TDRs recorded during the periods indicated:



	Three months ended June 30, 2014
		Pre-Modification	Post-Modification
	Number	Outstanding	Outstanding
	of	Recorded	Recorded
	Contracts	Investment	Investment

	(Dollars in thousands)
Real estate
Consumer mortgages	9	$ 573	$ 567
Agricultural	1	10	10
All other	5	109	108
Total	15	$ 692	$ 685



	Six months ended June 30, 2014
		Pre-Modification	Post-Modification
	Number	Outstanding	Outstanding
	of	Recorded	Recorded
	Contracts	Investment	Investment

	(Dollars in thousands)
Commercial and industrial	5	$ 613	$ 613
Real estate
Consumer mortgages	19	3,196	2,665
Home equity	2	31	30
Agricultural	1	10	10
Commercial and industrial-owner occupied	7	1,997	1,704
Construction, acquisition and development	1	878	878
Commercial real estate	4	875	876
All other	11	160	159
Total	50	$ 7,760	$ 6,935



	Year ended December 31, 2013
		Pre-Modification	Post-Modification
	Number	Outstanding	Outstanding
	of	Recorded	Recorded
	Contracts	Investment	Investment
	(Dollars in thousands)
Commercial and industrial	3	$ 919	$ 919
Real estate
Consumer mortgages	23	1,843	1,840
Home equity	2	25	10
Commercial and industrial-owner occupied	8	3,821	3,815
Construction, acquisition and development	15	3,071	2,826
Commercial real estate	4	1,574	1,570
All other	5	1,160	1,160
Total	60	$ 12,413	$ 12,140

The tables below summarize TDRs within the previous 12 months for which there was a payment default during the period indicated (i.e., 30 days or more past due at any given time during the period indicated).



	Three months ended June 30, 2014
	Number of	Recorded
	Contracts	Investment

	(Dollars in thousands)
All other	1	$ 4
Total	1	$ 4



	Six months ended June 30, 2014
	Number of	Recorded
	Contracts	Investment

	(Dollars in thousands)
Real estate
Consumer mortgages	2	$ 81
Construction, acquisition and development	2	279
All other	1	4
Total	5	$ 364



	Year ended December 31, 2013
	Number of	Recorded
	Contracts	Investment
	(Dollars in thousands)
Commercial and industrial	3	$ 129
Real estate
Consumer mortgages	9	823
Commercial and industrial-owner occupied	6	877
Construction, acquisition and development	3	1,874
Commercial real estate	4	3,625
All other	1	1
Total	26	$ 7,329