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 mortgages; 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,
		2015	2014	2014

	(In thousands)

Commercial and industrial		$ 1,735,444	$ 1,707,368	$ 1,753,041
Real estate
Consumer mortgages		2,374,122	2,071,503	2,257,726
Home equity		558,460	506,988	531,374
Agricultural		239,884	238,003	239,616
Commercial and industrial-owner occupied		1,596,244	1,505,679	1,522,536
Construction, acquisition and development		860,407	772,162	853,623
Commercial real estate		2,081,394	1,901,759	1,961,977
Credit cards		110,552	109,186	113,426
All other		484,948	534,781	516,221
Total		$ 10,041,455	$ 9,347,429	$ 9,749,540

The following table shows the Company’s loans and leases, net of unearned income, as of June 30, 2015 by segment, class and geographical location:



	Alabama
	and Florida
	Panhandle	Arkansas	Louisiana	Mississippi	Missouri	Tennessee	Texas	Other	Total
	(In thousands)
Commercial and industrial	$ 204,492	$ 242,960	$ 223,437	$ 558,152	$ 81,380	$ 132,576	$ 261,777	$ 25,368	$ 1,730,142
Real estate
Consumer mortgages	216,904	290,517	195,055	781,620	69,791	243,264	381,966	195,005	2,374,122
Home equity	76,832	40,315	58,910	216,732	21,724	134,093	8,717	1,137	558,460
Agricultural	6,177	70,084	28,903	73,413	2,942	12,269	46,030	66	239,884
Commercial and industrial-owner occupied	178,562	192,245	187,334	596,559	58,108	163,451	209,016	10,969	1,596,244
Construction, acquisition and development	120,525	100,107	83,103	224,127	19,593	150,280	133,290	29,382	860,407
Commercial real estate	302,727	345,327	245,432	502,630	201,763	185,194	230,854	67,467	2,081,394
Credit cards	-	-	-	-	-	-	-	110,552	110,552
All other	29,618	36,406	25,019	198,509	2,322	32,805	36,230	95,457	456,366
Total	$ 1,135,837	$ 1,317,961	$ 1,047,193	$ 3,151,742	$ 457,623	$ 1,053,932	$ 1,307,880	$ 535,403	$ 10,007,571

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 June 30, 2015 and December 31, 2014:



	June 30, 2015
							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	$ 3,144	$ 999	$ 1,141	$ 5,284	$ 1,724,858	$ 1,730,142	$ 20
Real estate
Consumer mortgages	10,942	3,254	10,719	24,915	2,349,207	2,374,122	1,022
Home equity	2,662	479	1,803	4,944	553,516	558,460	141
Agricultural	171	12	9	192	239,692	239,884	-
Commercial and industrial-owner occupied	4,127	1,209	1,557	6,893	1,589,351	1,596,244	14
Construction, acquisition and development	915	530	2,758	4,203	856,204	860,407	-
Commercial real estate	3,041	738	4,790	8,569	2,072,825	2,081,394	-
Credit cards	364	237	360	961	109,591	110,552	342
All other	1,339	228	236	1,803	454,563	456,366	29
Total	$ 26,705	$ 7,686	$ 23,373	$ 57,764	$ 9,949,807	$ 10,007,571	$ 1,568



	December 31, 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	$ 2,322	$ 544	$ 601	$ 3,467	$ 1,743,019	$ 1,746,486	$ 41
Real estate
Consumer mortgages	10,725	3,797	11,167	25,689	2,232,037	2,257,726	1,828
Home equity	1,834	397	658	2,889	528,485	531,374	-
Agricultural	365	1	130	496	239,120	239,616	-
Commercial and industrial-owner occupied	1,005	463	3,337	4,805	1,517,731	1,522,536	39
Construction, acquisition and development	4,547	278	1,568	6,393	847,230	853,623	387
Commercial real estate	4,722	1	1,545	6,268	1,955,709	1,961,977	137
Credit cards	447	312	379	1,138	112,288	113,426	327
All other	1,562	203	102	1,867	484,305	486,172	4
Total	$ 27,529	$ 5,996	$ 19,487	$ 53,012	$ 9,659,924	$ 9,712,936	$ 2,763

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, 2015 and December 31, 2014:


	June 30, 2015
		Special
	Pass	Mention	Substandard	Doubtful	Loss	Impaired (1)	Total

	(In thousands)
Commercial and industrial	$ 1,688,364	$ 695	$ 33,809	$ 107	$ -	$ 7,167	$ 1,730,142
Real estate
Consumer mortgages	2,288,980	-	81,312	226	-	3,604	2,374,122
Home equity	547,169	-	9,480	-	-	1,811	558,460
Agricultural	232,626	-	7,258	-	-	-	239,884
Commercial and industrial-owner occupied	1,538,436	-	47,991	233	-	9,584	1,596,244
Construction, acquisition and development	826,039	-	30,309	444	-	3,615	860,407
Commercial real estate	2,016,614	-	55,452	295	-	9,033	2,081,394
Credit cards	110,552	-	-	-	-	-	110,552
All other	443,484	-	12,583	-	-	299	456,366
Total	$ 9,692,264	$ 695	$ 278,194	$ 1,305	$ -	$ 35,113	$ 10,007,571


	December 31, 2014
		Special
	Pass	Mention	Substandard	Doubtful	Loss	Impaired (1)	Total

	(In thousands)
Commercial and industrial	$ 1,709,475	$ 978	$ 33,879	$ -	$ -	$ 2,154	$ 1,746,486
Real estate
Consumer mortgages	2,167,965	-	84,975	-	-	4,786	2,257,726
Home equity	521,011	-	9,744	-	-	619	531,374
Agricultural	227,688	-	11,928	-	-	-	239,616
Commercial and industrial-owner occupied	1,450,158	-	64,420	491	-	7,467	1,522,536
Construction, acquisition and development	811,227	-	39,675	334	-	2,387	853,623
Commercial real estate	1,893,514	-	57,761	184	-	10,518	1,961,977
Credit cards	113,426	-	-	-	-	-	113,426
All other	471,662	-	14,340	-	-	170	486,172
Total	$ 9,366,126	$ 978	$ 316,722	$ 1,009	$ -	$ 28,101	$ 9,712,936

(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, 2015 and as of and for the year ended December 31, 2014:


	June 30, 2015
		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	2015	2015	2015	2015
	(In thousands)
With no related allowance:
Commercial and industrial	$ 4,361	$ 5,551	$ -	$ 3,448	$ 2,341	$ 15	$ 19
Real estate:
Consumer mortgages	3,604	4,088	-	3,006	3,207	18	37
Home equity	1,411	1,411	-	1,010	610	3	4
Agricultural	-	-	-	-	-	-	-
Commercial and industrial-owner occupied	6,319	7,450	-	6,947	5,495	41	72
Construction, acquisition and development	3,615	3,818	-	4,780	3,983	6	12
Commercial real estate	8,238	10,707	-	8,127	8,185	52	116
All other	299	442	-	254	211	2	2
Total	$ 27,847	$ 33,467	$ -	$ 27,572	$ 24,032	$ 137	$ 262

With an allowance:
Commercial and industrial	$ 2,806	$ 2,806	$ 1,925	$ 3,903	$ 2,344	$ 11	$ 19
Real estate:
Consumer mortgages	-	-	-	659	608	4	9
Home equity	400	400	69	402	404	4	9
Agricultural	-	-	-	-	-	-	-
Commercial and industrial-owner occupied	3,265	3,265	1,699	3,031	2,797	19	37
Construction, acquisition and development	-	-	-	33	127	-	-
Commercial real estate	795	795	249	2,007	4,042	6	15
All other	-	-	-	-	-	-	-
Total	$ 7,266	$ 7,266	$ 3,942	$ 10,035	$ 10,322	$ 44	$ 89

Total:
Commercial and industrial	$ 7,167	$ 8,357	$ 1,925	$ 7,351	$ 4,685	$ 26	$ 38
Real estate:
Consumer mortgages	3,604	4,088	-	3,665	3,815	22	46
Home equity	1,811	1,811	69	1,412	1,014	7	13
Agricultural	-	-	-	-	-	-	-
Commercial and industrial-owner occupied	9,584	10,715	1,699	9,978	8,292	60	109
Construction, acquisition and development	3,615	3,818	-	4,813	4,110	6	12
Commercial real estate	9,033	11,502	249	10,134	12,227	58	131
All other	299	442	-	254	211	2	2
Total	$ 35,113	$ 40,733	$ 3,942	$ 37,607	$ 34,354	$ 181	$ 351



	December 31, 2014
		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	$ 1,235	$ 1,583	$ -	$ 1,271	$ 43
Real estate:
Consumer mortgages	3,503	4,356	-	4,282	72
Home equity	209	209	-	215	6
Agricultural	-	-	-	370	2
Commercial and industrial-owner occupied	6,503	7,634	-	4,687	70
Construction, acquisition and development	2,387	3,654	-	5,796	66
Commercial real estate	7,975	9,275	-	7,935	128
All other	170	314	-	187	8
Total	$ 21,982	$ 27,025	$ -	$ 24,743	$ 395

With an allowance:
Commercial and industrial	$ 919	$ 919	$ 215	$ 328	$ 19
Real estate:
Consumer mortgages	1,283	1,658	123	1,376	30
Home equity	410	410	70	-	-
Agricultural	-	-	-	43	-
Commercial and industrial-owner occupied	964	1,094	89	1,203	21
Construction, acquisition and development	-	-	-	542	-
Commercial real estate	2,543	2,543	1,022	5,706	87
All other	-	-	-	6	-
Total	$ 6,119	$ 6,624	$ 1,519	$ 9,204	$ 157

Total:
Commercial and industrial	$ 2,154	$ 2,502	$ 215	$ 1,599	$ 62
Real estate:
Consumer mortgages	4,786	6,014	123	5,658	102
Home equity	619	619	70	215	6
Agricultural	-	-	-	413	2
Commercial and industrial-owner occupied	7,467	8,728	89	5,890	91
Construction, acquisition and development	2,387	3,654	-	6,338	66
Commercial real estate	10,518	11,818	1,022	13,641	215
All other	170	314	-	193	8
Total	$ 28,101	$ 33,649	$ 1,519	$ 33,947	$ 552

The following tables provide details regarding impaired loans and leases, net of unearned income, which include troubled debt restructurings (TDRs), by segment and class as of and for the three months and six months ended June 30, 2015 and as of and for the year ended December 31, 2014:


	June 30, 2015
	Recorded	Unpaid Principal		Average Recorded Investment		Interest Income Recognized
	Investment	Balance of	Related	Three months	Six months	Three months	Six months
	in Impaired	Impaired Loans	Allowance	ended	ended	ended	ended
	Loans and	and	for Credit	June 30,	June 30,	June 30,	June 30,
	Accruing TDRs	Accruing TDRs	Losses	2015	2015	2015	2015
	(In thousands)
With no related allowance:
Commercial and industrial	$ 4,361	$ 5,551	$ -	$ 3,448	$ 2,341	$ 15	$ 19
Real estate:
Consumer mortgages	3,604	4,088	-	3,006	3,207	18	37
Home equity	1,411	1,411	-	1,010	610	3	4
Agricultural	-	-	-	-	-	-	-
Commercial and industrial-owner occupied	6,319	7,450	-	6,947	5,495	41	72
Construction, acquisition and development	3,615	3,818	-	4,780	3,983	6	12
Commercial real estate	8,238	10,707	-	8,127	8,185	52	116
All other	299	442	-	254	211	2	2
Total	$ 27,847	$ 33,467	$ -	$ 27,572	$ 24,032	$ 137	$ 262
With an allowance:
Commercial and industrial	$ 3,930	$ 3,931	$ 2,002	$ 4,382	$ 2,747	$ 17	$ 29
Real estate:
Consumer mortgages	1,657	1,669	547	2,123	2,636	18	48
Home equity	400	410	69	402	410	4	9
Agricultural	-	-	-	-	3	-	-
Commercial and industrial-owner occupied	8,924	9,184	1,861	7,140	7,092	51	113
Construction, acquisition and development	2,258	2,259	45	1,257	1,255	10	17
Commercial real estate	1,911	2,125	335	2,960	4,947	17	35
Credit card	1,028	1,028	51	1,069	1,028	107	210
All other	124	156	24	119	139	1	2
Total	$ 20,232	$ 20,762	$ 4,934	$ 19,452	$ 20,257	$ 225	$ 463
Total:
Commercial and industrial	$ 8,291	$ 9,482	$ 2,002	$ 7,830	$ 5,088	$ 32	$ 48
Real estate:
Consumer mortgages	5,261	5,757	547	5,129	5,843	36	85
Home equity	1,811	1,821	69	1,412	1,020	7	13
Agricultural	-	-	-	-	3	-	-
Commercial and industrial-owner occupied	15,243	16,634	1,861	14,087	12,587	92	185
Construction, acquisition and development	5,873	6,077	45	6,037	5,238	16	29
Commercial real estate	10,149	12,832	335	11,087	13,132	69	151
Credit card	1,028	1,028	51	1,069	1,028	107	210
All other	423	598	24	373	350	3	4
Total	$ 48,079	$ 54,229	$ 4,934	$ 47,024	$ 44,289	$ 362	$ 725


	December 31, 2014
		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		$ 1,235	$ 1,583	$ -	$ 1,271	$ 43
Real estate:
Consumer mortgages		3,503	4,356	-	4,282	72
Home equity		209	209	-	215	6
Agricultural		-	-	-	370	2
Commercial and industrial-owner occupied		6,503	7,634	-	4,687	70
Construction, acquisition and development		2,387	3,654	-	5,796	66
Commercial real estate		7,975	9,275	-	7,935	128
All other		170	314	-	187	8
Total		$ 21,982	$ 27,025	$ -	$ 24,743	$ 395

With an allowance:
Commercial and industrial		$ 1,275	$ 1,276	$ 239	$ 1,208	$ 63
Real estate:
Consumer mortgages		4,832	5,549	875	4,278	140
Home equity		427	438	70	18	1
Agricultural		8	8	1	305	11
Commercial and industrial-owner occupied		5,520	5,856	404	6,571	243
Construction, acquisition and development		1,488	1,752	241	2,410	70
Commercial real estate		3,957	4,200	1,290	8,135	195
Credit cards		1,109	1,109	64	1,374	137
All other		154	195	46	143	5
Total		$ 18,770	$ 20,383	$ 3,230	$ 24,442	$ 865

Total:
Commercial and industrial		$ 2,510	$ 2,859	$ 239	$ 2,479	$ 106
Real estate:
Consumer mortgages		8,335	9,905	875	8,560	212
Home equity		636	647	70	233	7
Agricultural		8	8	1	675	13
Commercial and industrial-owner occupied		12,023	13,490	404	11,258	313
Construction, acquisition and development		3,875	5,406	241	8,206	136
Commercial real estate		11,932	13,475	1,290	16,070	323
Credit cards		1,109	1,109	64	1,374	137
All other		324	509	46	330	13
Total		$ 40,752	$ 47,408	$ 3,230	$ 49,185	$ 1,260

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, 2015 and December 31, 2014 was $35.1 million and $28.1 million, respectively. At June 30, 2015 and December 31, 2014, $7.3 million and $6.1 million, respectively, of those impaired loans had a valuation allowance of $3.9 million and $1.5 million, respectively. The remaining balance of impaired loans of $27.8 million and $22.0 million at June 30, 2015 and December 31, 2014, 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 $3.3 million and $4.6 million at June 30, 2015 and December 31, 2014, respectively. The average recorded investment in impaired loans was $37.6 million and $34.4 for the three months and six months ended June 30, 2015 and $33.9 million for the year ended December 31, 2014.

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,
		2015	2014	2014

	(In thousands)

Non-accrual loans and leases		$ 67,766	$ 64,533	$ 58,052
Loans and leases 90 days or more past due, still accruing		1,568	2,406	2,763
Restructured loans and leases still accruing		10,109	6,712	10,920
Total non-performing loans and leases		$ 79,443	$ 73,651	$ 71,735

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, 2015, the Company’s geographic NPL distribution was concentrated primarily in its Arkansas and Mississippi markets. The following table presents the Company’s nonaccrual loans and leases by segment and class as of the dates indicated:



	June 30,		December 31,
	2015	2014	2014

	(In thousands)
Commercial and industrial	$ 9,740	$ 2,917	$ 3,934
Real estate
Consumer mortgages	21,636	24,355	23,668
Home equity	3,550	2,116	2,253
Agricultural	259	595	291
Commercial and industrial-owner occupied	14,007	11,094	11,190
Construction, acquisition and development	5,411	9,202	4,162
Commercial real estate	12,397	13,406	11,915
Credit cards	157	132	133
All other	609	716	506
Total	$ 67,766	$ 64,533	$ 58,052

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 years 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 2015, 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, 2015
		Pre-Modification	Post-Modification
	Number	Outstanding	Outstanding
	of	Recorded	Recorded
	Contracts	Investment	Investment

	(Dollars in thousands)
Commercial and industrial	4	$ 969	$ 964
Real estate
Consumer mortgages	5	322	322
Commercial and industrial-owner occupied	2	2,278	2,269
Construction, acquisition and development	2	201	199
Commercial real estate	2	603	210
All other	1	17	11
Total	16	$ 4,390	$ 3,975



	Six months ended June 30, 2015
		Pre-Modification	Post-Modification
	Number	Outstanding	Outstanding
	of	Recorded	Recorded
	Contracts	Investment	Investment

	(Dollars in thousands)
Commercial and industrial	5	$ 1,096	$ 1,089
Real estate
Consumer mortgages	6	392	392
Commercial and industrial-owner occupied	7	5,277	5,257
Construction, acquisition and development	2	201	199
Commercial real estate	7	2,450	2,036
All other	2	38	31
Total	29	$ 9,454	$ 9,004



	Year ended December 31, 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	33	4,823	4,263
Home equity	2	31	30
Agricultural	1	10	10
Commercial and industrial-owner occupied	8	2,103	1,810
Construction, acquisition and development	3	924	924
Commercial real estate	7	1,426	1,519
All other	14	290	286
Total	73	$ 10,220	$ 9,455

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, 2015
	Number of	Recorded
	Contracts	Investment

	(Dollars in thousands)
Commercial and industrial	1	$ 84
Real estate
Commercial and industrial-owner occupied	1	517
Commercial real estate	1	151
Total	3	$ 752



	Six months ended June 30, 2015
	Number of	Recorded
	Contracts	Investment

	(Dollars in thousands)
Commercial and industrial	1	$ 84
Real estate
Consumer mortgages	3	207
Commercial and industrial-owner occupied	1	517
Commercial real estate	1	151
Total	6	$ 959



	Year ended December 31, 2014
	Number of	Recorded
	Contracts	Investment
	(Dollars in thousands)
Real estate
Consumer mortgages	8	$ 540
Commercial and industrial-owner occupied	2	784
Construction, acquisition and development	2	279
Commercial real estate	5	901
All other	6	65
Total	23	$ 2,569