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:



		September 30,		December 31,
		2014	2013	2013

	(In thousands)

Commercial and industrial		$ 1,721,208	$ 1,510,035	$ 1,538,302
Real estate
Consumer mortgages		2,191,265	1,931,171	1,976,073
Home equity		518,263	490,361	494,339
Agricultural		242,023	234,547	234,576
Commercial and industrial-owner occupied		1,508,679	1,422,077	1,473,320
Construction, acquisition and development		819,636	723,609	741,458
Commercial real estate		1,916,577	1,795,352	1,846,039
Credit cards		109,464	105,112	111,328
All other		519,135	594,128	578,453
Total		$ 9,546,250	$ 8,806,392	$ 8,993,888

The following table shows the Company’s loans and leases, net of unearned income, as of September 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	$ 78,447	$ 184,004	$ 295,398	$ 21,656	$ 22,151	$ 87,812	$ 301,052	$ 723,492	$ 1,714,012
Real estate
Consumer mortgages	179,069	276,898	709,536	68,573	111,936	166,424	541,041	137,788	2,191,265
Home equity	70,133	40,706	168,679	21,146	70,006	80,539	64,831	2,223	518,263
Agricultural	7,204	73,145	55,899	3,065	13,757	11,895	72,511	4,547	242,023
Commercial and industrial-owner occupied	177,765	169,198	463,012	66,224	91,349	90,381	319,516	131,234	1,508,679
Construction, acquisition and development	120,547	71,224	214,651	21,009	74,120	116,058	173,894	28,133	819,636
Commercial real estate	273,560	329,167	281,569	198,130	108,243	110,457	427,991	187,460	1,916,577
Credit cards	-	-	-	-	-	-	-	109,464	109,464
All other	27,508	41,794	127,743	3,453	35,378	34,717	72,335	147,695	490,623
Total	$ 934,233	$ 1,186,136	$ 2,316,487	$ 403,256	$ 526,940	$ 698,283	$ 1,973,171	$ 1,472,036	$ 9,510,542

* 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. Future economic distress could negatively impact 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 September 30, 2014 and December 31, 2013:



	September 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	$ 2,332	$ 1,726	$ 777	$ 4,835	$ 1,709,177	$ 1,714,012	$ 60
Real estate
Consumer mortgages	10,742	4,143	11,435	26,320	2,164,945	2,191,265	1,590
Home equity	1,573	455	309	2,337	515,926	518,263	20
Agricultural	186	20	350	556	241,467	242,023	-
Commercial and industrial-owner occupied	3,340	310	1,923	5,573	1,503,106	1,508,679	-
Construction, acquisition and development	1,610	78	818	2,506	817,130	819,636	-
Commercial real estate	1,014	1	877	1,892	1,914,685	1,916,577	-
Credit cards	483	216	256	955	108,509	109,464	255
All other	1,037	218	176	1,431	489,192	490,623	-
Total	$ 22,317	$ 7,167	$ 16,921	$ 46,405	$ 9,464,137	$ 9,510,542	$ 1,925



	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 September 30, 2014 and December 31, 2013:


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

	(In thousands)
Commercial and industrial	$ 1,685,887	$ 994	$ 25,536	$ 341	$ -	$ 1,254	$ 1,714,012
Real estate
Consumer mortgages	2,098,275	-	88,742	-	-	4,248	2,191,265
Home equity	507,884	-	9,752	-	-	627	518,263
Agricultural	227,546	500	13,711	-	-	266	242,023
Commercial and industrial-owner occupied	1,443,345	3,685	57,572	142	-	3,935	1,508,679
Construction, acquisition and development	776,197	255	39,310	342	-	3,532	819,636
Commercial real estate	1,850,212	-	57,393	189	-	8,783	1,916,577
Credit cards	109,464	-	-	-	-	-	109,464
All other	471,065	-	19,382	-	-	176	490,623
Total	$ 9,169,875	$ 5,434	$ 311,398	$ 1,014	$ -	$ 22,821	$ 9,510,542


	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 nine months ended September 30, 2014 and as of and for the year ended December 31, 2013:


	September 30, 2014
		Unpaid		Average Recorded Investment		Interest Income Recognized
	Recorded	Principal	Related	Three months	Nine months	Three months	Nine months
	Investment	Balance of	Allowance	ended	ended	ended	ended
	in Impaired	Impaired	for Credit	September 30,	September 30,	September 30,	September 30,
	Loans	Loans	Losses	2014	2014	2014	2014
	(In thousands)
With no related allowance:
Commercial and industrial	$ 1,254	$ 1,254	$ -	$ 1,261	$ 1,281	$ 16	$ 43
Real estate:
Consumer mortgages	3,523	4,377	-	3,939	4,472	13	50
Home equity	212	212	-	213	217	-	3
Agricultural	266	266	-	311	436	-	2
Commercial and industrial-owner occupied	2,809	3,940	-	3,438	4,677	16	49
Construction, acquisition and development	3,532	4,974	-	4,689	6,784	16	58
Commercial real estate	4,348	6,100	-	4,852	8,828	32	113
All other	176	318	-	178	192	2	6
Total	$ 16,120	$ 21,441	$ -	$ 18,881	$ 26,887	$ 95	$ 324

With an allowance:
Commercial and industrial	$ -	$ -	$ -	$ -	$ 19	$ -	$ -
Real estate:
Consumer mortgages	725	725	143	1,085	1,239	7	26
Home equity	415	415	76	-	-	-	-
Agricultural	-	-	-	12	57	-	-
Commercial and industrial-owner occupied	1,126	1,126	256	1,122	1,299	6	17
Construction, acquisition and development	-	-	-	600	721	-	-
Commercial real estate	4,435	4,643	764	4,460	5,924	15	80
All other	-	-	-	-	7	-	-
Total	$ 6,701	$ 6,909	$ 1,239	$ 7,279	$ 9,266	$ 28	$ 123

Total:
Commercial and industrial	$ 1,254	$ 1,254	$ -	$ 1,261	$ 1,300	$ 16	$ 43
Real estate:
Consumer mortgages	4,248	5,102	143	5,024	5,711	20	76
Home equity	627	627	76	213	217	-	3
Agricultural	266	266	-	323	493	-	2
Commercial and industrial-owner occupied	3,935	5,066	256	4,560	5,976	22	66
Construction, acquisition and development	3,532	4,974	-	5,289	7,505	16	58
Commercial real estate	8,783	10,743	764	9,312	14,752	47	193
All other	176	318	-	178	199	2	6
Total	$ 22,821	$ 28,350	$ 1,239	$ 26,160	$ 36,153	$ 123	$ 447



	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 troubled debt restructurings (TDRs), by segment and class as of and for the three months and nine months ended September 30, 2014 and as of and for the year ended December 31, 2013:


	September 30, 2014
	Recorded	Unpaid Principal		Average Recorded Investment		Interest Income Recognized
	Investment	Balance of	Related	Three months	Nine months	Three months	Nine months
	in Impaired	Impaired Loans	Allowance	ended	ended	ended	ended
	Loans and	and	for Credit	September 30,	September 30,	September 30,	September 30,
	Accruing TDRs	Accruing TDRs	Losses	2014	2014	2014	2014
	(In thousands)
With no related allowance:
Commercial and industrial	$ 1,254	$ 1,254	$ -	$ 1,261	$ 1,281	$ 16	$ 43
Real estate:
Consumer mortgages	3,523	4,377	-	3,939	4,472	13	50
Home equity	212	212	-	213	217	-	2
Agricultural	266	266	-	311	436	-	2
Commercial and industrial-owner occupied	2,808	3,940	-	3,438	4,677	16	49
Construction, acquisition and development	3,532	4,974	-	4,689	6,784	16	58
Commercial real estate	4,349	6,100	-	4,852	8,828	32	113
All other	176	318	-	178	192	2	6
Total	$ 16,120	$ 21,441	$ -	$ 18,881	$ 26,887	$ 95	$ 323
With an allowance:
Commercial and industrial	$ 806	$ 807	$ 88	$ 584	$ 1,074	$ 8	$ 39
Real estate:
Consumer mortgages	3,643	3,867	785	3,400	3,960	30	97
Home equity	433	443	78	12	18	-	1
Agricultural	9	9	3	15	405	-	11
Commercial and industrial-owner occupied	5,614	5,821	415	5,091	6,936	44	187
Construction, acquisition and development	1,627	1,876	57	2,241	2,677	14	55
Commercial real estate	6,933	7,355	1,145	6,947	8,465	41	166
Credit card	1,135	1,135	61	1,182	1,387	118	261
All other	245	281	30	211	140	2	4
Total	$ 20,445	$ 21,594	$ 2,662	$ 19,683	$ 25,062	$ 257	$ 821
Total:
Commercial and industrial	$ 2,060	$ 2,061	$ 88	$ 1,845	$ 2,355	$ 24	$ 82
Real estate:
Consumer mortgages	7,166	8,244	785	7,339	8,432	43	147
Home equity	645	655	78	225	235	-	3
Agricultural	275	275	3	326	841	-	13
Commercial and industrial-owner occupied	8,422	9,761	415	8,529	11,613	60	236
Construction, acquisition and development	5,159	6,850	57	6,930	9,461	30	113
Commercial real estate	11,282	13,455	1,145	11,799	17,293	73	279
Credit card	1,135	1,135	61	1,182	1,387	118	261
All other	421	599	30	389	332	4	10
Total	$ 36,565	$ 43,035	$ 2,662	$ 38,564	$ 51,949	$ 352	$ 1,144


	December 31, 2013
	Recorded	Unpaid Principal
	Investment	Balance of	Related
	in Impaired	Impaired Loans	Allowance	Average	Interest
	Loans and	and	for Credit	Recorded	Income
	Accruing TDRs	Accruing TDRs	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 September 30, 2014 and December 31, 2013 was $22.8 million and $54.9 million, respectively. At September 30, 2014 and December 31, 2013, $6.7 million and $11.0 million, respectively, of those impaired loans had a valuation allowance of $1.2 million and $4.1 million, respectively. The remaining balance of impaired loans of $16.1 million and $44.0 million at September 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 $4.6 million and $19.1 million at September 30, 2014 and December 31, 2013, respectively. The average recorded investment in impaired loans was $26.2 million and $36.2 million for the three months and nine months ended September 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:



		September 30,		December 31,
		2014	2013	2013

	(In thousands)

Non-accrual loans and leases		$ 54,612	$ 121,353	$ 92,173
Loans and leases 90 days or more past due, still accruing		1,925	1,479	1,226
Restructured loans and leases still accruing		12,398	21,502	27,007
Total non-performing loans and leases		$ 68,935	$ 144,334	$ 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 September 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:



	September 30,		December 31,
	2014	2013	2013

	(In thousands)
Commercial and industrial	$ 2,786	$ 5,498	$ 3,079
Real estate
Consumer mortgages	23,408	30,569	25,645
Home equity	2,073	3,287	3,695
Agricultural	638	4,086	1,260
Commercial and industrial-owner occupied	7,495	18,138	18,568
Construction, acquisition and development	6,070	26,127	17,567
Commercial real estate	11,102	31,468	20,972
Credit cards	168	196	119
All other	872	1,984	1,268
Total	$ 54,612	$ 121,353	$ 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 third 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 September 30, 2014
		Pre-Modification	Post-Modification
	Number	Outstanding	Outstanding
	of	Recorded	Recorded
	Contracts	Investment	Investment

	(Dollars in thousands)
Real estate
Consumer mortgages	6	$ 853	$ 829
Commercial real estate	2	552	643
All other	1	102	102
Total	9	$ 1,507	$ 1,574



	Nine months ended September 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	25	4,049	3,494
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	6	1,427	1,519
All other	12	262	260
Total	59	$ 9,267	$ 8,508



	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	1,161
Total	60	$ 12,413	$ 12,141

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 September 30, 2014
	Number of	Recorded
	Contracts	Investment

	(Dollars in thousands)
Real estate
Consumer mortgages	2	$ 120
Commercial real estate	4	187
All other	2	31
Total	8	$ 338



	Nine months ended September 30, 2014
	Number of	Recorded
	Contracts	Investment

	(Dollars in thousands)
Real estate
Consumer mortgages	4	$ 201
Construction, acquisition and development	2	279
Commercial real estate	4	187
All other	3	36
Total	13	$ 703



	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