LOANS (Tables)

3 Months Ended

Mar. 31, 2017

Schedule of Accounts Notes Loans and Financial Receivables

Loans are stated at unpaid balances, net of unearned income and deferred loan fees. Balances within the major loans receivable categories are presented in the following table, excluding purchased loans:

(dollars in thousands)	March 31, 2017		December 31, 2016
Commercial, financial and agricultural	$	1,061,599	$	967,138
Real estate – construction and development		415,029		363,045
Real estate – commercial and farmland		1,458,110		1,406,219
Real estate – residential		726,795		781,018
Consumer installment		115,919		96,915
Other		8,028		12,486
	$	3,785,480	$	3,626,821

Summary of Purchased Loans And Major Loan Categories

Purchased loans are shown below according to major loan type as of the end of the periods shown:

(dollars in thousands)	March 31, 2017		December 31, 2016
Commercial, financial and agricultural	$	89,897	$	96,537
Real estate – construction and development		82,378		81,368
Real estate – commercial and farmland		538,046		576,355
Real estate – residential		292,911		310,277
Consumer installment		3,703		4,654
	$	1,006,935	$	1,069,191

Schedule of Allowances for Loan Losses by Portfolio Segment

The following tables detail activity in the allowance for loan losses by portfolio segment for the three months ended March 31, 2017, the year ended December 31, 2016 and the three months ended March 31, 2016. Allocation of a portion of the allowance to one category of loans does not preclude its availability to absorb losses in other categories.

(dollars in thousands)	Commercial, Financial & Agricultural		Real Estate – Construction & Development		Real Estate – Commercial & Farmland		Real Estate – Residential		Consumer Installment Loans and Other		Purchased Loans		Purchased Loan Pools		Total
Three months ended March 31, 2017:
Balance, December 31, 2016	$	2,192	$	2,990	$	7,662	$	6,786	$	827	$	1,626	$	1,837	$	23,920
Provision for loan losses		641		640		217		(791)		174		706		249		1,836
Loans charged off		(104)		(53)		(9)		(216)		(164)		(556)		-		(1,102)
Recoveries of loans previously charged off		69		20		9		61		17		420		-		596
Balance, March 31, 2017	$	2,798	$	3,597	$	7,879	$	5,840	$	854	$	2,196	$	2,086	$	25,250

Period-end allocation:
Loans individually evaluated for impairment ⁽¹⁾	$	626	$	354	$	1,574	$	2,538	$	-	$	2,196	$	376	$	7,664
Loans collectively evaluated for impairment		2,172		3,243		6,305		3,302		854		-		1,710		17,586
Ending balance	$	2,798	$	3,597	$	7,879	$	5,840	$	854	$	2,196	$	2,086	$	25,250

Loans:
Individually evaluated for impairment ⁽¹⁾	$	1,937	$	843	$	11,260	$	9,630	$	-	$	35,673	$	3,446	$	62,789
Collectively evaluated for impairment		1,059,662		414,186		1,446,850		717,165		123,947		836,146		525,653		5,123,609
Acquired with deteriorated credit quality		-		-		-		-		-		135,116		-		135,116
Ending balance	$	1,061,599	$	415,029	$	1,458,110	$	726,795	$	123,947	$	1,006,935	$	529,099	$	5,321,514

(1)

At March 31, 2017, loans individually evaluated for impairment includes all nonaccrual loans greater than $100,000 and all troubled debt restructurings greater than $100,000, including all troubled debt restructurings and not only those currently classified as troubled debt restructurings.

(dollars in thousands)	Commercial, Financial & Agricultural		Real Estate – Construction & Development		Real Estate – Commercial & Farmland		Real Estate - Residential		Consumer Installment Loans and Other		Purchased Loans		Purchased Loan Pools		Total
Twelve months ended December 31, 2016:
Balance, January 1, 2016	$	1,144	$	5,009	$	7,994	$	4,760	$	1,574	$	-	$	581	$	21,062
Provision for loan losses		2,647		(1,921)		107		2,757		(523)		(232)		1,256		4,091
Loans charged off		(1,999)		(588)		(708)		(1,122)		(351)		(1,559)		-		(6,327)
Recoveries of loans previously charged off		400		490		269		391		127		3,417		-		5,094
Balance, December 31, 2016	$	2,192	$	2,990	$	7,662	$	6,786	$	827	$	1,626	$	1,837	$	23,920

Period-end allocation:
Loans individually evaluated for impairment ⁽¹⁾	$	120	$	266	$	1,502	$	2,893	$	-	$	1,626	$	-	$	6,407
Loans collectively evaluated for impairment		2,072		2,724		6,160		3,893		827		-		1,837		17,513
Ending balance	$	2,192	$	2,990	$	7,662	$	6,786	$	827	$	1,626	$	1,837	$	23,920

Loans:
Individually evaluated for impairment ⁽¹⁾	$	501	$	659	$	12,423	$	12,697	$	-	$	34,141	$	-	$	60,421
Collectively evaluated for impairment		966,637		362,386		1,393,796		768,321		109,401		886,516		568,314		5,055,371
Acquired with deteriorated credit quality		-		-		-		-		-		148,534		-		148,534
Ending balance	$	967,138	$	363,045	$	1,406,219	$	781,018	$	109,401	$	1,069,191	$	568,314	$	5,264,326

(1)

At December 31, 2016, loans individually evaluated for impairment includes all nonaccrual loans greater than $100,000 and all troubled debt restructurings greater than $100,000, including all troubled debt restructurings and not only those currently classified as troubled debt restructurings.

(dollars in thousands)	Commercial, Financial & Agricultural		Real Estate – Construction & Development		Real Estate – Commercial & Farmland		Real Estate - Residential		Consumer Installment Loans and Other		Purchased Loans		Purchased Loan Pools		Total
Three months ended March 31, 2016:
Balance, December 31, 2015	$	1,144	$	5,009	$	7,994	$	4,760	$	1,574	$	-	$	581	$	21,062
Provision for loan losses		788		(1,051)		(669)		25		399		464		725		681
Loans charged off		(406)		(155)		(347)		(468)		(59)		(379)		-		(1,814)
Recoveries of loans previously charged off		73		122		121		314		25		898		-		1,553
Balance, March 31, 2016	$	1,599	$	3,925	$	7,099	$	4,631	$	1,939	$	983	$	1,306	$	21,482

Period-end allocation:
Loans individually evaluated for impairment (1)	$	400	$	733	$	873	$	2,153	$	-	$	983	$	-	$	5,142
Loans collectively evaluated for impairment		1,199		3,192		6,226		2,478		1,939		-		1,306		16,340
Ending balance	$	1,599	$	3,925	$	7,099	$	4,631	$	1,939	$	983	$	1,306	$	21,482

Loans:
Individually evaluated for impairment (1)	$	799	$	1,604	$	12,050	$	9,540	$	-	$	38,461	$	-	$	62,454
Collectively evaluated for impairment		433,274		263,216		1,142,837		619,598		45,089		1,007,754		656,734		4,168,502
Acquired with deteriorated credit quality		-		-		-		-		-		213,983		-		213,983
Ending balance	$	434,073	$	264,820	$	1,154,887	$	629,138	$	45,089	$	1,260,198	$	656,734	$	4,444,939

(1)

At March 31, 2016, loans individually evaluated for impairment includes all nonaccrual loans greater than $100,000 and all troubled debt restructurings greater than $100,000, including all troubled debt restructurings and not only those currently classified as troubled debt restructurings.

Purchased Loans [Member]

Summary of Financial Receivable Nonaccrual Basis

The following table presents an analysis of purchased loans accounted for on a nonaccrual basis:

(dollars in thousands)	March 31, 2017		December 31, 2016
Commercial, financial and agricultural	$	376	$	692
Real estate – construction and development		2,469		2,611
Real estate – commercial and farmland		11,465		10,174
Real estate – residential		9,276		9,476
Consumer installment		20		13
	$	23,606	$	22,966

Summary of Past Due Financial Receivables

The following table presents an analysis of purchased past-due loans as of March 31, 2017 and December 31, 2016:

(dollars in thousands)	Loans 30-59 Days Past Due		Loans 60-89 Days Past Due		Loans 90 or More Days Past Due		Total Loans Past Due		Current Loans		Total Loans		Loans 90 Days or More Past Due and Still Accruing

March 31, 2017
Commercial, financial & agricultural	$	92	$	6	$	349	$	447	$	89,450	$	89,897	$	-
Real estate – construction & development		517		154		1,812		2,483		79,895		82,378		-
Real estate – commercial & farmland		4,220		209		6,938		11,367		526,679		538,046		-
Real estate – residential		6,629		1,315		5,751		13,695		279,216		292,911		-
Consumer installment loans		24		13		12		49		3,654		3,703		-
Total	$	11,482	$	1,697	$	14,862	$	28,041	$	978,894	$	1,006,935	$	-

December 31, 2016
Commercial, financial & agricultural	$	113	$	18	$	593	$	724	$	95,813	$	96,537	$	-
Real estate – construction & development		161		11		2,518		2,690		78,678		81,368		-
Real estate – commercial & farmland		2,034		326		7,152		9,512		566,843		576,355		-
Real estate – residential		4,566		698		6,835		12,099		298,178		310,277		-
Consumer installment loans		22		-		13		35		4,619		4,654		-
Total	$	6,896	$	1,053	$	17,111	$	25,060	$	1,044,131	$	1,069,191	$	-

Summary of Impaired Financial Receivables

The following is a summary of information pertaining to purchased impaired loans:

	As of and for the Three Months Ended
(dollars in thousands)	March 31, 2017		December 31, 2016		March 31, 2016
Nonaccrual loans	$	23,606	$	22,966	$	32,518
Troubled debt restructurings not included above		20,448		23,543		21,501
Total impaired loans	$	44,054	$	46,509	$	54,019

Interest income recognized on impaired loans	$	379	$	377	$	542
Foregone interest income on impaired loans	$	337	$	354	$	526

The following table presents an analysis of information pertaining to purchased impaired loans as of March 31, 2017, December 31, 2016 and March 31, 2016:

(dollars in thousands)	Unpaid Contractual Principal Balance		Recorded Investment With No Allowance		Recorded Investment With Allowance		Total Recorded Investment		Related Allowance		Three Month Average Recorded Investment
March 31, 2017
Commercial, financial & agricultural	$	2,806	$	151	$	225	$	376	$	-	$	534
Real estate – construction & development		25,748		287		3,203		3,490		250		3,730
Real estate – commercial & farmland		30,419		768		17,532		18,300		855		18,467
Real estate – residential		25,855		7,155		14,713		21,868		1,091		22,529
Consumer installment loans		34		20		-		20		-		22
Total	$	84,862	$	8,381	$	35,673	$	44,054	$	2,196	$	45,282

(dollars in thousands)	Unpaid Contractual Principal Balance		Recorded Investment With No Allowance		Recorded Investment With Allowance		Total Recorded Investment		Related Allowance		Three Month Average Recorded Investment
December 31, 2016
Commercial, financial & agricultural	$	5,031	$	370	$	322	$	692	$	-	$	783
Real estate – construction & development		24,566		493		3,477		3,970		153		3,888
Real estate – commercial & farmland		36,174		3,598		15,036		18,634		385		17,806
Real estate – residential		27,022		7,883		15,306		23,189		1,088		23,201
Consumer installment loans		37		24		-		24		-		51
Total	$	92,830	$	12,368	$	34,141	$	46,509	$	1,626	$	45,729

(dollars in thousands)	Unpaid Contractual Principal Balance		Recorded Investment With No Allowance		Recorded Investment With Allowance		Total Recorded Investment		Related Allowance		Three Month Average Recorded Investment
March 31, 2016
Commercial, financial & agricultural	$	7,474	$	236	$	3,533	$	3,769	$	111	$	3,665
Real estate – construction & development		11,946		892		3,591		4,483		86		4,202
Real estate – commercial & farmland		25,622		8,480		15,406		23,886		350		20,943
Real estate – residential		25,231		5,815		15,931		21,746		436		22,682
Consumer installment loans		138		135		-		135		-		130
Total	$	70,411	$	15,558	$	38,461	$	54,019	$	983	$	51,622

Summary of Credit Quality Indicate Financial Receivable

The following table presents the purchased loan portfolio by risk grade as of March 31, 2017 and December 31, 2016 (in thousands):

Risk Grade	Commercial, Financial & Agricultural		Real Estate - Construction & Development		Real Estate - Commercial & Farmland		Real Estate - Residential		Consumer Installment Loans		Other		Total
March 31, 2017
10	$	5,320	$	-	$	-	$	-	$	697	$	-	$	6,017
15		1,314		-		7,403		29,088		374		-		38,179
20		19,926		10,746		216,663		116,681		1,418		-		365,434
23		22		3,493		5,731		12,835		-		-		22,081
25		49,514		56,263		264,504		105,579		1,094		-		476,954
30		11,275		8,457		16,073		7,600		45		-		43,450
40		2,526		3,419		27,672		21,128		75		-		54,820
50		-		-		-		-		-		-		-
60		-		-		-		-		-		-		-
Total	$	89,897	$	82,378	$	538,046	$	292,911	$	3,703	$	-	$	1,006,935

December 31, 2016
10	$	5,722	$	-	$	-	$	-	$	814	$	-	$	6,536
15		1,266		-		7,619		31,331		570		-		40,786
20		16,204		10,686		194,168		111,712		1,583		-		334,353
23		22		3,643		9,019		14,791		-		-		27,475
25		67,123		56,006		323,242		121,379		1,276		-		569,026
30		5,072		7,271		15,039		7,605		45		-		35,032
40		1,128		3,762		27,268		23,459		366		-		55,983
50		-		-		-		-		-		-		-
60		-		-		-		-		-		-		-
Total	$	96,537	$	81,368	$	576,355	$	310,277	$	4,654	$	-	$	1,069,191

Summary of Troubled Debt Restructurings by Loan Class

The following table presents the purchased loans by class modified as troubled debt restructurings, which occurred during the three months ending March 31, 2017 and 2016:

	March 31, 2017				March 31, 2016
			Balance				Balance
Loan Class	#		(in thousands)		#		(in thousands)
Commercial, financial & agricultural		-	$	-		1	$	76
Real estate – construction & development		-		-		-		-
Real estate – commercial & farmland		1		231		2		504
Real estate – residential		1		124		2		488
Consumer installment		-		-		-		-
Total		2	$	355		5	$	1,068

Troubled Debt Restructurings on Financing Receivable Payment Default

The following table presents purchased loan troubled debt restructurings by class that defaulted (defined as 30 days past due) during the three months ending March 31, 2017 and 2016:

	March 31, 2017				March 31, 2016
			Balance				Balance
Loan Class	#		in thousands)		#		(in thousands)
Commercial, financial & agricultural		-	$	-		-	$	-
Real estate – construction & development		2		336		1		12
Real estate – commercial & farmland		3		1,149		1		613
Real estate – residential		8		565		7		489
Consumer installment		-		-		-		-
Total		13	$	2,050		9	$	1,114

Loans Excluding Purchased Loan [Member]

Summary of Financial Receivable Nonaccrual Basis

The following table presents an analysis of loans accounted for on a nonaccrual basis, excluding purchased loans:

(dollars in thousands)	March 31, 2017		December 31, 2016
Commercial, financial and agricultural	$	2,663	$	1,814
Real estate – construction and development		613		547
Real estate – commercial and farmland		7,506		8,757
Real estate – residential		6,929		6,401
Consumer installment		570		595
	$	18,281	$	18,114

Summary of Past Due Financial Receivables

The following table presents an analysis of past-due loans, excluding purchased past-due loans as of March 31, 2017 and December 31, 2016:

(dollars in thousands)	Loans 30-59 Days Past Due		Loans 60-89 Days Past Due		Loans 90 or More Days Past Due		Total Loans Past Due		Current Loans		Total Loans		Loans 90 Days or More Past Due and Still Accruing

March 31, 2017
Commercial, financial & agricultural	$	4,641	$	3,756	$	2,381	$	10,778	$	1,050,821	$	1,061,599	$	933
Real estate – construction & development		799		133		577		1,509		413,520		415,029		-
Real estate – commercial & farmland		2,558		1,526		6,986		11,070		1,447,040		1,458,110		-
Real estate – residential		5,088		1,011		5,945		12,044		714,751		726,795		-
Consumer installment loans		571		252		364		1,187		114,732		115,919		-
Other		-		-		-		-		8,028		8,028		-
Total	$	13,657	$	6,678	$	16,253	$	36,588	$	3,748,892	$	3,785,480	$	933

December 31, 2016
Commercial, financial & agricultural	$	565	$	82	$	1,293	$	1,940	$	965,198	$	967,138	$	-
Real estate – construction & development		908		446		439		1,793		361,252		363,045		-
Real estate – commercial & farmland		6,329		1,711		6,945		14,985		1,391,234		1,406,219		-
Real estate – residential		6,354		1,282		5,302		12,938		768,080		781,018		-
Consumer installment loans		624		263		350		1,237		95,678		96,915		-
Other		-		-		-		-		12,486		12,486		-
Total	$	14,780	$	3,784	$	14,329	$	32,893	$	3,593,928	$	3,626,821	$	-

Summary of Impaired Financial Receivables

The following is a summary of information pertaining to impaired loans, excluding purchased loans:

	As of and for the Three Months Ended
(dollars in thousands)	March 31, 2017		December 31, 2016		March 31, 2016

Nonaccrual loans	$	18,281	$	18,114	$	15,700
Troubled debt restructurings not included above		13,659		14,209		14,385
Total impaired loans	$	31,940	$	32,323	$	30,085
Interest income recognized on impaired loans	$	240	$	225	$	318
Foregone interest income on impaired loans	$	274	$	267	$	242

The following table presents an analysis of information pertaining to impaired loans, excluding purchased loans as of March 31, 2017, December 31, 2016 and March 31, 2016:

(dollars in thousands)	Unpaid Contractual Principal Balance		Recorded Investment With No Allowance		Recorded Investment With Allowance		Total Recorded Investment		Related Allowance		Three Month Average Recorded Investment
March 31, 2017
Commercial, financial & agricultural	$	3,891	$	202	$	2,503	$	2,705	$	637	$	2,283
Real estate – construction & development		1,875		-		1,048		1,048		356		1,140
Real estate – commercial & farmland		12,450		5,655		5,795		11,450		1,572		12,163
Real estate – residential		14,344		2,422		13,727		16,149		2,645		16,866
Consumer installment loans		666		-		588		588		6		601
Total	$	33,226	$	8,279	$	23,661	$	31,940	$	5,216	$	33,053

(dollars in thousands)	Unpaid Contractual Principal Balance		Recorded Investment With No Allowance		Recorded Investment With Allowance		Total Recorded Investment		Related Allowance		Three Month Average Recorded Investment
December 31, 2016
Commercial, financial & agricultural	$	3,068	$	204	$	1,656	$	1,860	$	134	$	1,613
Real estate – construction & development		2,047		-		1,233		1,233		273		1,590
Real estate – commercial & farmland		13,906		6,811		6,065		12,876		1,503		12,948
Real estate – residential		15,482		2,238		13,503		15,741		3,080		15,525
Consumer installment loans		671		-		613		613		5		576
Total	$	35,174	$	9,253	$	23,070	$	32,323	$	4,995	$	32,252

(dollars in thousands)	Unpaid Contractual Principal Balance		Recorded Investment With No Allowance		Recorded Investment With Allowance		Total Recorded Investment		Related Allowance		Three Month Average Recorded Investment
March 31, 2016
Commercial, financial & agricultural	$	3,150	$	339	$	1,206	$	1,545	$	408	$	1,544
Real estate – construction & development		3,278		230		2,022		2,252		742		2,428
Real estate – commercial & farmland		14,530		5,142		7,870		13,012		874		12,898
Real estate – residential		13,976		1,662		11,177		12,839		2,223		13,345
Consumer installment loans		519		-		437		437		7		466
Total	$	35,453	$	7,373	$	22,712	$	30,085	$	4,254	$	30,681

Summary of Credit Quality Indicate Financial Receivable

The following table presents the loan portfolio, excluding purchased loans, by risk grade as of March 31, 2017 and December 31, 2016 (in thousands):

Risk Grade	Commercial, Financial & Agricultural		Real Estate - Construction & Development		Real Estate - Commercial & Farmland		Real Estate - Residential		Consumer Installment Loans		Other		Total
March 31, 2017
10	$	404,968	$	-	$	6,617	$	53	$	9,176	$	-	$	420,814
15		446,942		5,846		83,239		50,805		348		-		587,180
20		101,370		38,618		982,901		563,555		24,277		8,028		1,718,749
23		350		6,673		7,981		5,880		5		-		20,889
25		99,989		360,390		333,232		83,750		81,262		-		958,623
30		3,631		1,829		26,574		5,142		122		-		37,298
40		4,342		1,673		17,566		17,511		729		-		41,821
50		7		-		-		99		-		-		106
60		-		-		-		-		-		-		-
Total	$	1,061,599	$	415,029	$	1,458,110	$	726,795	$	115,919	$	8,028	$	3,785,480

December 31, 2016
10	$	397,093	$	-	$	8,814	$	125	$	8,532	$	-	$	414,564
15		376,323		5,390		102,893		54,136		405		-		539,147
20		97,057		36,307		889,539		609,583		25,026		12,486		1,669,998
23		366		6,803		8,533		7,470		14		-		23,186
25		92,066		307,903		357,151		88,370		62,098		-		907,588
30		144		719		22,986		5,197		126		-		29,172
40		4,089		5,923		16,303		16,038		714		-		43,067
50		-		-		-		99		-		-		99
60		-		-		-		-		-		-		-
Total	$	967,138	$	363,045	$	1,406,219	$	781,018	$	96,915	$	12,486	$	3,626,821

Summary of Troubled Debt Restructurings by Loan Class

The following table presents the loans by class modified as troubled debt restructurings, excluding purchased loans, which occurred during the three months ending March 31, 2017 and 2016:

	March 31, 2017				March 31, 2016
			Balance				Balance
Loan Class	#		(in thousands)		#		(in thousands)
Commercial, financial & agricultural		-	$	-		1	$	12
Real estate – construction & development		-		-		-		-
Real estate – commercial & farmland		-		-		2		1,605
Real estate – residential		1		77		1		60
Consumer installment		4		16		-		-
Total		5	$	93		4	$	1,676

Summary of Troubled Debt Restructuring by Loan Class, Classified Separately under Restructured Terms

The following table presents the amount of troubled debt restructurings by loan class, excluding purchased loans, classified separately as accrual and nonaccrual at March 31, 2017 and December 31, 2016:

March 31, 2017	Accruing Loans				Non-Accruing Loans
			Balance				Balance
Loan Class	#		(in thousands)		#		(in thousands)
Commercial, financial & agricultural		3	$	43		15	$	142
Real estate – construction & development		7		435		2		34
Real estate – commercial & farmland		14		3,944		5		1,617
Real estate – residential		78		9,220		20		998
Consumer installment		8		18		33		129
Total		110	$	13,660		75	$	2,920

December 31, 2016	Accruing Loans				Non-Accruing Loans
			Balance				Balance
Loan Class	#		(in thousands)		#		(in thousands)
Commercial, financial & agricultural		4	$	47		15	$	114
Real estate – construction & development		8		686		2		34
Real estate – commercial & farmland		16		4,119		5		2,970
Real estate – residential		82		9,340		15		739
Consumer installment		7		17		32		130
Total		117	$	14,209		69	$	3,987

Troubled Debt Restructurings on Financing Receivable Payment Default

The following table presents for loans, excluding purchased loans, the troubled debt restructurings by class that defaulted (defined as 30 days past due) during the three months ending March 31, 2017 and 2016:

	March 31, 2017				March 31, 2016
			Balance				Balance
Loan Class	#		(in thousands)		#		(in thousands)
Commercial, financial & agricultural		3	$	55		2	$	7
Real estate – construction & development		1		26		1		18
Real estate – commercial & farmland		3		150		1		194
Real estate – residential		18		1,380		9		563
Consumer installment		8		21		1		11
Total		33	$	1,632		14	$	793

Accrual And Non Accrual [Member] | Purchased Loans [Member]

Summary of Troubled Debt Restructuring by Loan Class, Classified Separately under Restructured Terms

The following table presents the amount of troubled debt restructurings by loan class of purchased loans, classified separately as accrual and nonaccrual at March 31, 2017 and December 31, 2016.

March 31, 2017	Accruing Loans				Non-Accruing Loans
			Balance				Balance
Loan Class	#		(in thousands)		#		(in thousands)
Commercial, financial & agricultural		1	$	1		3	$	16
Real estate – construction & development		3		1,020		7		421
Real estate – commercial & farmland		16		6,835		10		3,996
Real estate – residential		120		12,592		34		2,528
Consumer installment		-		-		2		8
Total		140	$	20,448		56	$	6,969

December 31, 2016	Accruing Loans				Non-Accruing Loans
			Balance				Balance
Loan Class	#		(in thousands)		#		(in thousands)
Commercial, financial & agricultural		1	$	1		4	$	91
Real estate – construction & development		6		1,358		3		30
Real estate – commercial & farmland		20		8,460		5		2,402
Real estate – residential		123		13,713		33		2,077
Consumer installment		3		11		1		-
Total		153	$	23,543		46	$	4,600