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:



		September 30,		December 31,
		2015	2014	2014

	(In thousands)

Commercial and industrial		$ 1,715,293	$ 1,721,208	$ 1,753,041
Real estate
Consumer mortgages		2,447,132	2,191,265	2,257,726
Home equity		573,566	518,263	531,374
Agricultural		252,381	242,023	239,616
Commercial and industrial-owner occupied		1,605,811	1,508,679	1,522,536
Construction, acquisition and development		900,875	819,636	853,623
Commercial real estate		2,141,398	1,916,577	1,961,977
Credit cards		109,576	109,464	113,426
All other		507,981	519,135	516,221
Total		$ 10,254,013	$ 9,546,250	$ 9,749,540

The following table shows the Company’s loans and leases, net of unearned income, as of September 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	$ 156,906	$ 202,404	$ 199,453	$ 592,008	$ 68,073	$ 114,479	$ 238,192	$ 138,982	$ 1,710,497
Real estate
Consumer mortgages	285,916	334,245	218,535	823,486	73,144	269,128	426,229	16,449	2,447,132
Home equity	80,490	39,037	62,196	219,209	22,330	139,264	9,310	1,730	573,566
Agricultural	6,246	76,058	30,511	79,688	3,109	12,935	43,834	-	252,381
Commercial and industrial-owner occupied	182,334	189,991	185,937	669,397	57,543	130,355	190,254	-	1,605,811
Construction, acquisition and development	106,784	100,059	77,098	293,502	22,768	135,188	165,476	-	900,875
Commercial real estate	336,677	349,996	234,714	590,385	203,867	175,412	250,079	268	2,141,398
Credit cards	-	-	-	-	-	-	-	109,576	109,576
All other	73,139	49,215	31,516	189,538	3,925	43,360	61,285	26,362	478,340
Total	$ 1,228,492	$ 1,341,005	$ 1,039,960	$ 3,457,213	$ 454,759	$ 1,020,121	$ 1,384,659	$ 293,367	$ 10,219,576

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, 2015 and December 31, 2014:



	September 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	$ 13,473	$ 970	$ 1,406	$ 15,849	$ 1,694,648	$ 1,710,497	$ 58
Real estate
Consumer mortgages	9,732	5,951	10,255	25,938	2,421,194	2,447,132	1,068
Home equity	1,574	605	1,527	3,706	569,860	573,566	-
Agricultural	382	19	69	470	251,911	252,381	-
Commercial and industrial-owner occupied	6,288	264	1,359	7,911	1,597,900	1,605,811	-
Construction, acquisition and development	1,199	169	2,490	3,858	897,017	900,875	-
Commercial real estate	798	-	5,221	6,019	2,135,379	2,141,398	-
Credit cards	545	344	347	1,236	108,340	109,576	310
All other	1,229	224	93	1,546	476,795	478,340	-
Total	$ 35,220	$ 8,546	$ 22,767	$ 66,533	$ 10,153,044	$ 10,219,576	$ 1,436



	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 September 30, 2015 and December 31, 2014:


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

	(In thousands)
Commercial and industrial	$ 1,671,522	$ -	$ 24,967	$ -	$ -	$ 14,008	$ 1,710,497
Real estate
Consumer mortgages	2,369,160	-	73,753	107	-	4,112	2,447,132
Home equity	563,119	-	8,645	-	-	1,802	573,566
Agricultural	243,814	-	8,235	-	-	332	252,381
Commercial and industrial-owner occupied	1,541,771	-	55,289	224	-	8,527	1,605,811
Construction, acquisition and development	870,595	-	27,243	430	-	2,607	900,875
Commercial real estate	2,072,229	-	59,514	410	-	9,245	2,141,398
Credit cards	109,576	-	-	-	-	-	109,576
All other	471,633	-	6,604	-	-	103	478,340
Total	$ 9,913,419	$ -	$ 264,250	$ 1,171	$ -	$ 40,736	$ 10,219,576


	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 nine months ended September 30, 2015 and as of and for the year ended December 31, 2014:


	September 30, 2015
		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	2015	2015	2015	2015
	(In thousands)
With no related allowance:
Commercial and industrial	$ 5,204	$ 8,073	$ -	$ 4,861	$ 3,190	$ 33	$ 53
Real estate:
Consumer mortgages	4,112	4,667	-	3,855	3,425	19	56
Home equity	197	197	-	1,014	746	1	5
Agricultural	332	390	-	239	81	2	2
Commercial and industrial-owner occupied	8,527	9,402	-	6,881	5,962	78	150
Construction, acquisition and development	2,378	2,461	-	2,710	3,554	9	21
Commercial real estate	8,469	12,282	-	8,518	8,297	49	165
All other	103	103	-	169	197	1	3
Total	$ 29,322	$ 37,575	$ -	$ 28,247	$ 25,452	$ 192	$ 455

With an allowance:
Commercial and industrial	$ 8,804	$ 9,115	$ 4,454	$ 3,991	$ 2,899	$ 14	$ 32
Real estate:
Consumer mortgages	-	-	-	263	492	-	9
Home equity	1,605	1,605	401	792	535	4	12
Agricultural	-	-	-	-	-	-	-
Commercial and industrial-owner occupied	-	-	306	1,902	2,495	14	51
Construction, acquisition and development	229	229	3	75	109	-	-
Commercial real estate	776	776	189	1,447	3,168	12	27
All other	-	-	-	-	-	-	-
Total	$ 11,414	$ 11,725	$ 5,353	$ 8,470	$ 9,698	$ 44	$ 131

Total:
Commercial and industrial	$ 14,008	$ 17,188	$ 4,454	$ 8,852	$ 6,089	$ 47	$ 85
Real estate:
Consumer mortgages	4,112	4,667	-	4,118	3,917	19	65
Home equity	1,802	1,802	401	1,806	1,281	5	17
Agricultural	332	390	-	239	81	2	2
Commercial and industrial-owner occupied	8,527	9,402	306	8,783	8,457	92	201
Construction, acquisition and development	2,607	2,690	3	2,785	3,663	9	21
Commercial real estate	9,245	13,058	189	9,965	11,465	61	192
All other	103	103	-	169	197	1	3
Total	$ 40,736	$ 49,300	$ 5,353	$ 36,717	$ 35,150	$ 236	$ 586



	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 nine months ended September 30, 2015 and as of and for the year ended December 31, 2014:


	September 30, 2015
	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	2015	2015	2015	2015
	(In thousands)
With no related allowance:
Commercial and industrial	$ 5,204	$ 8,073	$ -	$ 4,861	$ 3,190	$ 33	$ 53
Real estate:
Consumer mortgages	4,112	4,667	-	3,855	3,425	19	56
Home equity	197	197	-	1,014	746	1	5
Agricultural	332	390	-	239	81	2	2
Commercial and industrial-owner occupied	8,527	9,402	-	6,881	5,962	78	150
Construction, acquisition and development	2,378	2,461	-	2,710	3,554	9	21
Commercial real estate	8,469	12,282	-	8,518	8,297	49	165
All other	103	103	-	169	197	1	3
Total	$ 29,322	$ 37,575	$ -	$ 28,247	$ 25,452	$ 192	$ 455
With an allowance:
Commercial and industrial	$ 9,522	$ 9,833	$ 4,479	$ 4,865	$ 3,461	$ 24	$ 53
Real estate:
Consumer mortgages	926	1,017	185	1,351	2,204	11	59
Home equity	1,605	1,615	401	792	539	4	12
Agricultural	-	-	-	-	2	-	-
Commercial and industrial-owner occupied	5,076	5,421	467	7,174	7,120	63	175
Construction, acquisition and development	1,955	1,955	15	1,933	1,483	14	31
Commercial real estate	11,486	11,699	395	8,974	6,305	71	106
Credit card	932	932	42	980	1,021	98	308
All other	296	471	13	231	170	1	4
Total	$ 31,798	$ 32,943	$ 5,997	$ 26,300	$ 22,305	$ 286	$ 748
Total:
Commercial and industrial	$ 14,726	$ 17,906	$ 4,479	$ 9,726	$ 6,651	$ 57	$ 106
Real estate:
Consumer mortgages	5,038	5,684	185	5,206	5,629	30	115
Home equity	1,802	1,812	401	1,806	1,285	5	17
Agricultural	332	390	-	239	83	2	2
Commercial and industrial-owner occupied	13,603	14,823	467	14,055	13,082	141	325
Construction, acquisition and development	4,333	4,416	15	4,643	5,037	23	52
Commercial real estate	19,955	23,981	395	17,492	14,602	120	271
Credit card	932	932	42	980	1,021	98	308
All other	399	574	13	400	367	2	7
Total	$ 61,120	$ 70,518	$ 5,997	$ 54,547	$ 47,757	$ 478	$ 1,203


	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 September 30, 2015 and December 31, 2014 was $40.7 million and $28.1 million, respectively. At September 30, 2015 and December 31, 2014, $11.4 million and $6.1 million, respectively, of those impaired loans had a valuation allowance of $5.4 million and $1.5 million, respectively. The remaining balance of impaired loans of $29.3 million and $22.0 million at September 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 $2.7 million and $4.6 million at September 30, 2015 and December 31, 2014, respectively. The average recorded investment in impaired loans was $36.7 million and $35.2 for the three months and nine months ended September 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:



		September 30,		December 31,
		2015	2014	2014

	(In thousands)

Non-accrual loans and leases		$ 70,237	$ 54,612	$ 58,052
Loans and leases 90 days or more past due, still accruing		1,436	1,925	2,763
Restructured loans and leases still accruing		18,578	12,398	10,920
Total non-performing loans and leases		$ 90,251	$ 68,935	$ 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 September 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:



	September 30,		December 31,
	2015	2014	2014

	(In thousands)
Commercial and industrial	$ 15,697	$ 2,786	$ 3,934
Real estate
Consumer mortgages	21,959	23,408	23,668
Home equity	3,664	2,073	2,253
Agricultural	484	638	291
Commercial and industrial-owner occupied	12,690	7,495	11,190
Construction, acquisition and development	4,240	6,070	4,162
Commercial real estate	10,730	11,102	11,915
Credit cards	215	168	133
All other	558	872	506
Total	$ 70,237	$ 54,612	$ 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 third 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 September 30, 2015
		Pre-Modification	Post-Modification
	Number	Outstanding	Outstanding
	of	Recorded	Recorded
	Contracts	Investment	Investment

	(Dollars in thousands)
Commercial and industrial	1	$ 62	$ 57
Real estate
Consumer mortgages	2	93	93
Commercial and industrial-owner occupied	1	110	110
Commercial real estate	1	9,828	9,821
All other	1	23	23
Total	6	$ 10,116	$ 10,104



	Nine months ended September 30, 2015
		Pre-Modification	Post-Modification
	Number	Outstanding	Outstanding
	of	Recorded	Recorded
	Contracts	Investment	Investment

	(Dollars in thousands)
Commercial and industrial	6	$ 1,159	$ 1,146
Real estate
Consumer mortgages	8	485	485
Commercial and industrial-owner occupied	8	5,388	5,368
Construction, acquisition and development	2	201	199
Commercial real estate	8	12,278	11,857
All other	3	60	54
Total	35	$ 19,571	$ 19,109



	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 September 30, 2015
	Number of	Recorded
	Contracts	Investment

	(Dollars in thousands)
Consumer mortgages	1	$ 19
Total	1	$ 19



	Nine months ended September 30, 2015
	Number of	Recorded
	Contracts	Investment

	(Dollars in thousands)
Commercial and industrial	1	$ 84
Real estate
Consumer mortgages	4	226
Commercial and industrial-owner occupied	1	517
Commercial real estate	1	150
Total	7	$ 977



	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