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Allowance for Loan Losses (Tables)
 9 Months Ended
Sep. 30, 2013
Allowance For Loan Losses Disclosure [Abstract]  
Schedule of allowances for loan losses by portfolio segment
The following table presents the activity of the allowance for loan losses by portfolio segment for the three months
ended September 30.
 
Allowance for Loan Losses:
 
September 30, 2013
(Dollar amounts in thousands)
 
Commercial
 
Residential
 
Consumer
 
Unallocated
 
Total
Beginning balance
 
$
14,531

 
$
1,592

 
$
3,637

 
$
2,373

 
$
22,133

Provision for loan losses*
 
(486
)
 
(266
)
 
504

 
548

 
300

Loans charged -off
 
(388
)
 
(284
)
 
(840
)
 
—

 
(1,512
)
Recoveries
 
361

 
398

 
324

 
—

 
1,083

Ending Balance
 
$
14,018

 
$
1,440

 
$
3,625

 
$
2,921

 
$
22,004

* Provision before increase of $195 thousand in 2013for decrease in FDIC indemnification asset
 
Allowance for Loan Losses:
 
September 30, 2012
(Dollar amounts in thousands)
 
Commercial
 
Residential
 
Consumer
 
Unallocated
 
Total
Beginning balance
 
$
13,190

 
$
2,124

 
$
3,744

 
$
1,034

 
$
20,092

Provision for loan losses*
 
765

 
1,594

 
196

 
85

 
2,640

Loans charged -off
 
(715
)
 
(381
)
 
(779
)
 
—

 
(1,875
)
Recoveries
 
167

 
36

 
397

 
—

 
600

Ending Balance
 
$
13,407

 
$
3,373

 
$
3,558

 
$
1,119

 
$
21,457

* Provision before decrease of $81 thousand in 2012 for increase in FDIC indemnification asset
 






The following table presents the activity of the allowance for loan losses by portfolio segment for the nine months ended September30.

Allowance for Loan Losses:
 
September 30, 2013
(Dollar amounts in thousands)
 
Commercial
 
Residential
 
Consumer
 
Unallocated
 
Total
Beginning balance
 
$
10,987

 
$
5,426

 
$
3,879

 
$
1,666

 
$
21,958

Provision for loan losses*
 
2,438

 
234

 
1,348

 
1,255

 
5,275

Loans charged -off
 
(2,273
)
 
(4,683
)
 
(2,677
)
 
—

 
(9,633
)
Recoveries
 
2,866

 
463

 
1,075

 
—

 
4,404

Ending Balance
 
$
14,018

 
$
1,440

 
$
3,625

 
$
2,921

 
$
22,004

* Provision before increase of $1.2 million in 2013 for decrease in FDIC indemnification asset
 
Allowance for Loan Losses:
 
September 30, 2012
(Dollar amounts in thousands)
 
Commercial
 
Residential
 
Consumer
 
Unallocated
 
Total
Beginning balance
 
$
12,119

 
$
2,728

 
$
3,889

 
$
505

 
$
19,241

Provision for loan losses*
 
3,642

 
2,859

 
1,185

 
614

 
8,300

Loans charged -off
 
(2,917
)
 
(2,289
)
 
(2,635
)
 
—

 
(7,841
)
Recoveries
 
563

 
75

 
1,119

 
—

 
1,757

Ending Balance
 
$
13,407

 
$
3,373

 
$
3,558

 
$
1,119

 
$
21,457

* Provision before decrease of $1.0 million in 2012 for increase in FDIC indemnification asset
 
Allocation of the allowance for loan losses by portfolio segment based on the impairment method
The following table presents the allocation of the allowance for loan losses and the recorded investment in loans by portfolio segment and based on the impairment method at September 30, 2013 and December 31, 2012.
 
Allowance for Loan Losses
 
September 30, 2013
(Dollar amounts in thousands)
 
Commercial
 
Residential
 
Consumer
 
Unallocated
 
Total
Individually evaluated for impairment
 
$
5,510

 
$
—

 
$
—

 
$
—

 
$
5,510

Collectively evaluated for impairment
 
7,698

 
1,254

 
3,625

 
2,921

 
15,498

Acquired with deteriorated credit quality
 
810

 
186

 
—

 
—

 
996

Ending Balance
 
$
14,018

 
$
1,440

 
$
3,625

 
$
2,921

 
$
22,004

 
Loans:
 
September 30, 2013
(Dollar amounts in thousands)
 
Commercial
 
Residential
 
Consumer
 
Total
Individually evaluated for impairment
 
$
24,741

 
$
226

 
$
—

 
$
24,967

Collectively evaluated for impairment
 
1,028,446

 
481,064

 
270,518

 
1,780,028

Acquired with deteriorated credit quality
 
10,142

 
2,736

 
—

 
12,878

Ending Balance
 
$
1,063,329

 
$
484,026

 
$
270,518

 
$
1,817,873

 
Allowance for Loan Losses:
 
December 31, 2012
(Dollar amounts in thousands)
 
Commercial
 
Residential
 
Consumer
 
Unallocated
 
Total
Individually evaluated for impairment
 
3,453

 
3,920

 
—

 
—

 
7,373

Collectively evaluated for impairment
 
7,286

 
1,506

 
3,879

 
1,666

 
14,337

Acquired with deteriorated credit quality
 
248

 
—

 
—

 
—

 
248

Ending Balance
 
$
10,987

 
$
5,426

 
$
3,879

 
$
1,666

 
$
21,958

 
Loans
 
December 31, 2012
(Dollar amounts in thousands)
 
Commercial
 
Residential
 
Consumer
 
Total
Individually evaluated for impairment
 
23,721

 
6,973

 
—

 
30,694

Collectively evaluated for impairment
 
1,056,861

 
487,486

 
269,882

 
1,814,229

Acquired with deteriorated credit quality
 
13,582

 
3,421

 
6

 
17,009

Ending Balance
 
$
1,094,164

 
$
497,880

 
$
269,888

 
$
1,861,932
Schedule of loans individually evaluated for impairment by class of loans
The following tables present loans individually evaluated for impairment by class of loans.
 
 
 
 
 
 
 
September 30, 2013
 
 
 
 
 
 
Unpaid
Principal
 
Recorded
 
Allowance
for Loan
Losses
 
Average
Recorded
 
Interest
Income
 
Cash Basis
Interest
(Dollar amounts in thousands)
 
Balance
 
Investment
 
Allocated
 
Investment
 
Recognized
 
Recognized
With no related allowance recorded:
 
 

 
 

 
 

 
 

 
 

 
 

Commercial
 
 

 
 

 
 

 
 

 
 

 
 

Commercial & Industrial
 
$
3,725

 
$
3,527

 
$
—

 
$
1,464

 
$
—

 
$
—

Farmland
 
—

 
—

 
—

 
—

 
—

 
—

Non Farm, Non Residential
 
24

 
24

 
—

 
6

 
—

 
—

Agriculture
 
—

 
—

 
—

 
—

 
—

 
—

All Other Commercial
 
—

 
—

 
—

 
—

 
—

 
—

Residential
 
 

 
 

 
 

 
 

 
 

 
 

First Liens
 
—

 
—

 
—

 
9

 
—

 
—

Home Equity
 
—

 
—

 
—

 
—

 
—

 
—

Junior Liens
 
—

 
—

 
—

 
—

 
—

 
—

Multifamily
 
—

 
—

 
—

 
—

 
—

 
—

All Other Residential
 
—

 
—

 
—

 
—

 
—

 
—

Consumer
 
 

 
 

 
 

 
 

 
 

 
 

Motor Vehicle
 
—

 
—

 
—

 
—

 
—

 
—

All Other Consumer
 
—

 
—

 
—

 
—

 
—

 
—

With an allowance recorded:
 
 

 
 

 
 

 
 

 
 

 
 

Commercial
 
 

 
 

 
 

 
 

 
 

 
 

Commercial & Industrial
 
10,789

 
10,789

 
3,353

 
14,131

 
—

 
—

Farmland
 
—

 
—

 
—

 
446

 
—

 
—

Non Farm, Non Residential
 
8,063

 
7,997

 
1,361

 
8,100

 
—

 
—

Agriculture
 
—

 
—

 
—

 
—

 
—

 
—

All Other Commercial
 
4,107

 
4,107

 
896

 
3,458

 
—

 
—

Residential
 
 

 
 

 
 

 
 

 
 

 
 

First Liens
 
38

 
38

 
—

 
646

 
—

 
—

Home Equity
 
—

 
—

 
—

 
—

 
—

 
—

Junior Liens
 
—

 
—

 
—

 
—

 
—

 
—

Multifamily
 
—

 
—

 
—

 
2,770

 
—

 
—

All Other Residential
 
—

 
—

 
—

 
—

 
—

 
—

Consumer
 
 

 
 

 
 

 
 

 
 

 
 

Motor Vehicle
 
—

 
—

 
—

 
—

 
—

 
—

All Other Consumer
 
—

 
—

 
—

 
—

 
—

 
—

TOTAL
 
$
26,746

 
$
26,482

 
$
5,610

 
$
31,030

 
$
—

 
$
—

 
 
 
 
 
 
 
December 31, 2012
 
 
 
 
 
 
Unpaid
Principal
 
Recorded
 
Allowance
for Loan
Losses
 
Average
Recorded
 
Interest
Income
 
Cash Basis
Interest
Income
(Dollar amounts in thousands)
 
Balance
 
Investment
 
Allocated
 
Investment
 
Recognized
 
Recognized
With no related allowance recorded:
 
 

 
 

 
 

 
 

 
 

 
 

Commercial
 
 

 
 

 
 

 
 

 
 

 
 

Commercial & Industrial
 
$
—

 
$
—

 
$
—

 
$
1,013

 
$
—

 
$
—

Farmland
 
—

 
—

 
—

 
—

 
—

 
—

Non Farm, Non Residential
 
—

 
—

 
—

 
1,679

 
—

 
—

Agriculture
 
—

 
—

 
—

 
—

 
—

 
—

All Other Commercial
 
—

 
—

 
—

 
—

 
—

 
—

Residential
 
 

 
 

 
 

 
 

 
 

 
 

First Liens
 
—

 
—

 
—

 
150

 
—

 
—

Home Equity
 
—

 
—

 
—

 
—

 
—

 
—

Junior Liens
 
—

 
—

 
—

 
—

 
—

 
—

Multifamily
 
—

 
—

 
—

 
50

 
—

 
—

All Other Residential
 
—

 
—

 
—

 
—

 
—

 
—

Consumer
 
 

 
 

 
 

 
 

 
 

 
 

Motor Vehicle
 
—

 
—

 
—

 
—

 
—

 
—

All Other Consumer
 
—

 
—

 
—

 
—

 
—

 
—

With an allowance recorded:
 
 

 
 

 
 

 
 

 
 

 
 

Commercial
 
 

 
 

 
 

 
 

 
 

 
 

Commercial & Industrial
 
17,262

 
17,098

 
3,153

 
16,738

 
—

 
—

Farmland
 
891

 
891

 
191

 
891

 
—

 
—

Non Farm, Non Residential
 
7,438

 
7,386

 
293

 
5,000

 
179

 
—

Agriculture
 
—

 
—

 
—

 
—

 
—

 
—

All Other Commercial
 
1,209

 
1,209

 
52

 
1,362

 
—

 
—

Residential
 
 

 
 

 
 

 
 

 
 

 
 

First Liens
 
1,254

 
1,254

 
126

 
1,230

 
—

 
—

Home Equity
 
179

 
179

 
—

 
75

 
—

 
—

Junior Liens
 
—

 
—

 
—

 
176

 
—

 
—

Multifamily
 
5,540

 
5,540

 
3,794

 
2,216

 
—

 
—

All Other Residential
 
—

 
—

 
—

 
—

 
—

 
—

Consumer
 
 

 
 

 
 

 
 

 
 

 
 

Motor Vehicle
 
—

 
—

 
—

 
—

 
—

 
—

All Other Consumer
 
—

 
—

 
—

 
—

 
—

 
—

TOTAL
 
$
33,773

 
$
33,557

 
$
7,609

 
$
30,580

 
$
179

 
$
—

 
 
 
Three Months Ended 
 September 30, 2013
 
Nine Months Ended 
 September 30, 2013
 
 
Average
Recorded
 
Interest
Income
 
Cash Basis
Interest Income
 
Average
Recorded
 
Interest
Income
 
Cash Basis
Interest Income
(Dollar amounts in thousands)
 
Investment
 
Recognized
 
Recognized
 
Investment
 
Recognized
 
Recognized
With no related allowance recorded:
 
 

 
 

 
 

 
 

 
 

 
 

Commercial
 
 

 
 

 
 

 
 

 
 

 
 

Commercial & Industrial
 
$
2,728

 
$
—

 
$
—

 
$
1,464

 
$
—

 
$
—

Farmland
 
—

 
—

 
—

 
—

 
—

 
—

Non Farm, Non Residential
 
12

 
—

 
—

 
6

 
—

 
—

Agriculture
 
—

 
—

 
—

 
—

 
—

 
—

All Other Commercial
 
—

 
—

 
—

 
—

 
—

 
—

Residential
 
 

 
 

 
 

 
 

 
 

 
 

First Liens
 
17

 
—

 
—

 
9

 
—

 
—

Home Equity
 
—

 
—

 
—

 
—

 
—

 
—

Junior Liens
 
—

 
—

 
—

 
—

 
—

 
—

Multifamily
 
—

 
—

 
—

 
—

 
—

 
—

All Other Residential
 
—

 
—

 
—

 
—

 
—

 
—

Consumer
 
 

 
 

 
 

 
 

 
 

 
 

Motor Vehicle
 
—

 
—

 
—

 
—

 
—

 
—

All Other Consumer
 
—

 
—

 
—

 
—

 
—

 
—

With an allowance recorded:
 
 

 
 

 
 

 
 

 
 

 
 

Commercial
 
 

 
 

 
 

 
 

 
 

 
 

Commercial & Industrial
 
11,627

 
—

 
—

 
14,131

 
—

 
—

Farmland
 
—

 
—

 
—

 
446

 
—

 
—

Non Farm, Non Residential
 
8,185

 
—

 
—

 
8,100

 
—

 
—

Agriculture
 
—

 
—

 
—

 
—

 
—

 
—

All Other Commercial
 
4,148

 
—

 
—

 
3,458

 
—

 
—

Residential
 
 

 
 

 
 

 
 

 
 

 
 

First Liens
 
39

 
—

 
—

 
646

 
—

 
—

Home Equity
 
—

 
—

 
—

 
—

 
—

 
—

Junior Liens
 
—

 
—

 
—

 
—

 
—

 
—

Multifamily
 
—

 
—

 
—

 
2,770

 
—

 
—

All Other Residential
 
—

 
—

 
—

 
—

 
—

 
—

Consumer
 
 

 
 

 
 

 
 

 
 

 
 

Motor Vehicle
 
—

 
—

 
—

 
—

 
—

 
—

All Other Consumer
 
—

 
—

 
—

 
—

 
—

 
—

TOTAL
 
$
26,756

 
$
—

 
$
—

 
$
31,030

 
$
—

 
$
—


 
 
Three Months Ended 
 September 30, 2012
 
Nine Months Ended 
 September 30, 2012
 
 
Average
Recorded
 
Interest
Income
 
Cash Basis
Interest Income
 
Average
Recorded
 
Interest
Income
 
Cash Basis
Interest Income
(Dollar amounts in thousands)
 
Investment
 
Recognized
 
Recognized
 
Investment
 
Recognized
 
Recognized
With no related allowance recorded:
 
 

 
 

 
 

 
 

 
 

 
 

Commercial
 
 

 
 

 
 

 
 

 
 

 
 

Commercial & Industrial
 
$
2,531

 
$
—

 
$
—

 
$
1,266

 
$
—

 
$
—

Farmland
 
—

 
—

 
—

 
—

 
—

 
—

Non Farm, Non Residential
 
987

 
—

 
—

 
2,098

 
—

 
—

Agriculture
 
—

 
—

 
—

 
—

 
—

 
—

All Other Commercial
 
—

 
—

 
—

 
—

 
—

 
—

Residential
 
 

 
 

 
 

 
 

 
 

 
 

First Liens
 
—

 
—

 
—

 
188

 
—

 
—

Home Equity
 
—

 
—

 
—

 
—

 
—

 
—

Junior Liens
 
—

 
—

 
—

 
—

 
—

 
—

Multifamily
 
—

 
—

 
—

 
62

 
—

 
—

All Other Residential
 
—

 
—

 
—

 
—

 
—

 
—

Consumer
 
 

 
 

 
 

 
 

 
 

 
 

Motor Vehicle
 
—

 
—

 
—

 
—

 
—

 
—

All Other Consumer
 
—

 
—

 
—

 
—

 
—

 
—

With an allowance recorded:
 
 

 
 

 
 

 
 

 
 

 
 

Commercial
 
 

 
 

 
 

 
 

 
 

 
 

Commercial & Industrial
 
15,427

 
—

 
—

 
16,648

 
—

 
—

Farmland
 
891

 
—

 
—

 
891

 
—

 
—

Non Farm, Non Residential
 
5,045

 
—

 
—

 
4,404

 
—

 
—

Agriculture
 
—

 
—

 
—

 
—

 
—

 
—

All Other Commercial
 
1,313

 
—

 
—

 
1,400

 
—

 
—

Residential
 
 

 
 

 
 

 
 

 
 

 
 

First Liens
 
1,234

 
—

 
—

 
1,224

 
—

 
—

Home Equity
 
99

 
—

 
—

 
49

 
—

 
—

Junior Liens
 
—

 
—

 
—

 
220

 
—

 
—

Multifamily
 
2,770

 
—

 
—

 
1,385

 
—

 
—

All Other Residential
 
—

 
—

 
—

 
—

 
—

 
—

Consumer
 
 

 
 

 
 

 
 

 
 

 
 

Motor Vehicle
 
—

 
—

 
—

 
—

 
—

 
—

All Other Consumer
 
—

 
—

 
—

 
—

 
—

 
—

TOTAL
 
$
30,297

 
$
—

 
$
—

 
$
29,835

 
$
—

 
$
—
Schedule of non-performing loans
The table below presents the recorded investment in non-performing loans.
 
 
 
September 30, 2013
 
 
Loans Past
Due Over
90 Day Still
 
Troubled
Debt
 
 
(Dollar amounts in thousands)
 
Accruing
 
Restructurings
 
Nonaccrual
Commercial
 
 

 
 

 
 

Commercial & Industrial
 
$
10

 
$
10,083

 
$
5,061

Farmland
 
—

 
—

 
179

Non Farm, Non Residential
 
37

 
6,215

 
5,189

Agriculture
 
—

 
—

 
116

All Other Commercial
 
—

 
—

 
4,165

Residential
 
 

 
 

 
 

First Liens
 
747

 
4,276

 
4,414

Home Equity
 
22

 
—

 
188

Junior Liens
 
147

 
—

 
547

Multifamily
 
—

 
—

 
452

All Other Residential
 
—

 
—

 
135

Consumer
 
 

 
 

 
 

Motor Vehicle
 
172

 
626

 
186

All Other Consumer
 
4

 
17

 
1,168

TOTAL
 
$
1,139

 
$
21,217

 
$
21,800

 
 
 
December 31, 2012
 
 
Loans Past
Due Over
90 Day Still
 
Troubled
Debt
 
 
(Dollar amounts in thousands)
 
Accruing
 
Restructurings
 
Nonaccrual
Commercial
 
 

 
 

 
 

Commercial & Industrial
 
$
724

 
$
11,573

 
$
9,360

Farmland
 
231

 
—

 
907

Non Farm, Non Residential
 
491

 
4,836

 
6,718

Agriculture
 
69

 
—

 
104

All Other Commercial
 
—

 
—

 
4,811

Residential
 
 

 
 

 
 

First Liens
 
1,237

 
4,126

 
6,852

Home Equity
 
24

 
—

 
196

Junior Liens
 
538

 
—

 
405

Multifamily
 
101

 
—

 
5,598

All Other Residential
 
—

 
—

 
150

Consumer
 
 

 
 

 
 

Motor Vehicle
 
133

 
685

 
174

All Other Consumer
 
3

 
16

 
1,519

TOTAL
 
$
3,551

 
$
21,236

 
$
36,794
Aging of recorded investment in loans by past due category and class of loans
The following table presents the aging of the recorded investment in loans by past due category and class of loans.
 
 
 
September 30, 2013
 
 
30-59 Days
 
60-89 Days
 
Greater
than 90 days
 
Total
 
 
 
 
(Dollar amounts in thousands)
 
Past Due
 
Past Due
 
Past Due
 
Past Due
 
Current
 
Total
Commercial
 
 

 
 

 
 

 
 

 
 

 
 

Commercial & Industrial
 
$
1,863

 
$
1,096

 
$
10,830

 
$
13,789

 
$
466,057

 
$
479,846

Farmland
 
58

 
—

 
123

 
181

 
85,479

 
85,660

Non Farm, Non Residential
 
204

 
464

 
3,080

 
3,748

 
255,676

 
259,424

Agriculture
 
280

 
—

 
1

 
281

 
129,151

 
129,432

All Other Commercial
 
260

 
102

 
—

 
362

 
108,605

 
108,967

Residential
 
 

 
 

 
 

 
 

 
 

 
 

First Liens
 
1,701

 
1,563

 
1,889

 
5,153

 
331,226

 
336,379

Home Equity
 
177

 
9

 
22

 
208

 
42,288

 
42,496

Junior Liens
 
248

 
57

 
659

 
964

 
32,864

 
33,828

Multifamily
 
20

 
—

 
404

 
424

 
60,584

 
61,008

All Other Residential
 
—

 
26

 
—

 
26

 
10,289

 
10,315

Consumer
 
 

 
 

 
 

 
 

 
 

 
 

Motor Vehicle
 
3,250

 
474

 
189

 
3,913

 
244,281

 
248,194

All Other Consumer
 
152

 
9

 
4

 
165

 
22,159

 
22,324

TOTAL
 
$
8,213

 
$
3,800

 
$
17,201

 
$
29,214

 
$
1,788,659

 
$
1,817,873

 
 
 
December 31, 2012
 
 
30-59 Days
 
60-89 Days
 
Greater
than 90 days
 
Total
 
 
 
 
(Dollar amounts in thousands)
 
Past Due
 
Past Due
 
Past Due
 
Past Due
 
Current
 
Total
Commercial
 
 

 
 

 
 

 
 

 
 

 
 

Commercial & Industrial
 
$
1,315

 
$
861

 
$
3,616

 
$
5,792

 
$
487,160

 
$
492,952

Farmland
 
534

 
—

 
1,122

 
1,656

 
87,270

 
88,926

Non Farm, Non Residential
 
5,618

 
1,004

 
2,449

 
9,071

 
290,023

 
299,094

Agriculture
 
137

 
—

 
78

 
215

 
130,404

 
130,619

All Other Commercial
 
568

 
202

 
350

 
1,120

 
81,453

 
82,573

Residential
 
 

 
 

 
 

 
 

 
 

 
 

First Liens
 
8,359

 
1,659

 
4,599

 
14,617

 
336,230

 
350,847

Home Equity
 
143

 
15

 
24

 
182

 
43,317

 
43,499

Junior Liens
 
555

 
98

 
586

 
1,239

 
36,535

 
37,774

Multifamily
 
52

 
—

 
5,641

 
5,693

 
49,019

 
54,712

All Other Residential
 
214

 
—

 
—

 
214

 
10,834

 
11,048

Consumer
 
 

 
 

 
 

 
 

 
 

 
 

Motor Vehicle
 
4,164

 
600

 
182

 
4,946

 
241,303

 
246,249

All Other Consumer
 
225

 
93

 
3

 
321

 
23,318

 
23,639

TOTAL
 
$
21,884

 
$
4,532

 
$
18,650

 
$
45,066

 
$
1,816,866

 
$
1,861,932
Analysis of risk category of loans by class of loans
Loans not meeting the criteria above that are analyzed individually as part of the above described process are considered to be pass rated loans. Loans listed as not rated are either less than $100 thousand or are included in groups of homogeneous loans. As of September 30, 2013 and December 31, 2012, and based on the most recent analysis performed, the risk category of loans by class of loans are as follows:
 
 
 
September 30, 2013
(Dollar amounts in thousands)
 
Pass
 
Special
Mention
 
Substandard
 
Doubtful
 
Not Rated
 
Total
Commercial
 
 

 
 

 
 

 
 

 
 

 
 

Commercial & Industrial
 
$
417,192

 
$
19,532

 
$
28,254

 
$
6,656

 
$
7,159

 
$
478,793

Farmland
 
79,780

 
3,717

 
435

 
—

 
129

 
84,061

Non Farm, Non Residential
 
228,337

 
8,266

 
20,812

 
543

 
826

 
258,784

Agriculture
 
122,541

 
4,939

 
80

 
—

 
111

 
127,671

All Other Commercial
 
93,628

 
3,639

 
10,550

 
47

 
650

 
108,514

Residential
 
 

 
 

 
 

 
 

 
 

 
 

First Liens
 
115,051

 
4,217

 
8,274

 
1,245

 
206,439

 
335,226

Home Equity
 
13,207

 
370

 
1,526

 
113

 
27,209

 
42,425

Junior Liens
 
9,088

 
39

 
631

 
241

 
23,708

 
33,707

Multifamily
 
56,738

 
2,473

 
1,568

 
48

 
8

 
60,835

All Other Residential
 
3,285

 
—

 
33

 
—

 
6,966

 
10,284

Consumer
 
 

 
 

 
 

 
 

 
 

 
 

Motor Vehicle
 
11,752

 
290

 
358

 
9

 
234,689

 
247,098

All Other Consumer
 
3,670

 
76

 
64

 
23

 
18,351

 
22,184

TOTAL
 
$
1,154,269

 
$
47,558

 
$
72,585

 
$
8,925

 
$
526,245

 
$
1,809,582


 
 
December 31, 2012
(Dollar amounts in thousands)
 
Pass
 
Special
Mention
 
Substandard
 
Doubtful
 
Not Rated
 
Total
Commercial
 
 

 
 

 
 

 
 

 
 

 
 

Commercial & Industrial
 
$
414,680

 
$
31,368

 
$
31,442

 
$
7,138

 
$
7,025

 
$
491,653

Farmland
 
81,977

 
2,718

 
1,616

 
—

 
805

 
87,116

Non Farm, Non Residential
 
249,614

 
25,764

 
22,038

 
831

 
42

 
298,289

Agriculture
 
119,789

 
8,921

 
134

 
—

 
62

 
128,906

All Other Commercial
 
69,952

 
132

 
11,239

 
54

 
803

 
82,180

Residential
 
 

 
 

 
 

 
 

 
 

 
 

First Liens
 
113,360

 
8,986

 
11,516

 
689

 
215,034

 
349,585

Home Equity
 
13,035

 
469

 
1,631

 
23

 
28,267

 
43,425

Junior Liens
 
10,419

 
50

 
515

 
70

 
26,575

 
37,629

Multifamily
 
42,719

 
3,328

 
8,481

 
59

 
—

 
54,587

All Other Residential
 
2,840

 
—

 
35

 
—

 
8,136

 
11,011

Consumer
 


 
 

 
 

 
 

 
 

 
 

Motor Vehicle
 
11,695

 
262

 
311

 
25

 
232,727

 
245,020

All Other Consumer
 
4,614

 
73

 
104

 
21

 
18,675

 
23,487

TOTAL
 
$
1,134,694

 
$
82,071

 
$
89,062

 
$
8,910

 
$
538,151

 
$
1,852,888