The following table shows the recorded investment of individual loan categories.


June 30, 2014	Loan Balance			Interest Due		Deferred Fees / (Costs)			Recorded Investment
Owner occupied real estate	$	206,000		$	332	$	642		$	206,974
Non owner occupied real estate		294,681			345		542			295,568
Residential spec homes		835			1		—			836
Development & spec land loans		24,188			81		33			24,302
Commercial and industrial		121,192			830		89			122,111

Total commercial		646,896			1,589		1,306			649,791

Residential mortgage		225,819			872		636			227,327
Residential construction		9,068			17		—			9,085
Mortgage warehouse		140,896			480		—			141,376

Total real estate		375,783			1,369		636			377,788

Direct installment		34,106			110		(335	)		33,881
Direct installment purchased		256			—		—			256
Indirect installment		132,053			287		—			132,340
Home equity		130,734			567		59			131,360

Total consumer		297,149			964		(276	)		297,837


Total loans		1,319,828			3,922		1,666			1,325,416
Allowance for loan losses		(15,660	)		—		—			(15,660	)

Net loans	$	1,304,168		$	3,922	$	1,666		$	1,309,756


December 31, 2013	Loan Balance			Interest Due		Deferred Fees / (Costs)			Recorded Investment
Owner occupied real estate	$	156,262		$	257	$	207		$	156,726
Non owner occupied real estate		224,713			105		299			225,117
Residential spec homes		400			—		—			400
Development & spec land loans		21,289			62		42			21,393
Commercial and industrial		101,920			737		57			102,714

Total commercial		504,584			1,161		605			506,350

Residential mortgage		176,068			578		382			177,028
Residential construction		9,508			14		—			9,522
Mortgage warehouse		98,156			480		—			98,636

Total real estate		283,732			1,072		382			285,186

Direct installment		29,983			104		(281	)		29,806
Direct installment purchased		294			—		—			294
Indirect installment		131,384			320		—			131,704
Home equity		117,958			529		187			118,674

Total consumer		279,619			953		(94	)		280,478


Total loans		1,067,935			3,186		893			1,072,014
Allowance for loan losses		(15,992	)		—		—			(15,992	)

Net loans	$	1,051,943		$	3,186	$	893		$	1,056,022