Allowance for Loan and Lease Losses (ALLL) | NOTE 6: ALLOWANCE FOR LOAN AND LEASE LOSSES (ALLL) The following tables summarize the Company's allowance for loan and leases losses for the periods indicated (dollars in thousands) : Three Months Ended June 30 2015 2014 Organic Loans Purchased Non-Credit Impaired Loans Purchased Credit Impaired Loans Total Organic Loans Purchased Credit Impaired Loans Total Balance, beginning of period $ 19,424 $ — $ 10,558 $ 29,982 $ 16,858 $ 19,182 $ 36,040 Loans charged-off (64 ) (46 ) (2,155 ) (2,265 ) (79 ) (4,881 ) (4,960 ) Recoveries of loans previously charged-off 12 — 1,227 1,239 106 3,326 3,432 Net (charge-offs) recoveries (52 ) (46 ) (928 ) (1,026 ) 27 (1,555 ) (1,528 ) Provision for loan and lease losses before amount attributable to FDIC loss share agreements 222 46 345 613 1,000 95 1,095 Amount attributable to FDIC loss share agreements — — (549 ) (549 ) — (394 ) (394 ) Total provision (recovery) for loan and lease losses charged to operations 222 46 (204 ) 64 1,000 (299 ) 701 Provision for loan and lease losses recorded through the FDIC loss share receivable — — 549 549 — 394 394 Balance, end of period $ 19,594 $ — $ 9,975 $ 29,569 $ 17,885 $ 17,722 $ 35,607 Six Months Ended June 30 2015 2014 Organic Loans Purchased Non-Credit Impaired Loans Purchased Credit Impaired Loans Total Organic Loans Purchased Credit Impaired Loans Total Balance, beginning of period $ 18,392 $ — $ 10,246 $ 28,638 $ 16,656 $ 17,409 $ 34,065 Loans charged-off (140 ) (48 ) (5,384 ) (5,572 ) (215 ) (11,551 ) (11,766 ) Recoveries of loans previously charged-off 50 — 2,151 2,201 444 8,557 9,001 Net recoveries (charge-offs) (90 ) (48 ) (3,233 ) (3,371 ) 229 (2,994 ) (2,765 ) Provision for loan and lease losses before amount attributable to FDIC loss share agreements 1,292 48 2,962 4,302 1,000 3,307 4,307 Amount attributable to FDIC loss share agreements — — (1,045 ) (1,045 ) — (3,016 ) (3,016 ) Total provision for loan and lease losses charged to operations 1,292 48 1,917 3,257 1,000 291 1,291 Provision for loan and lease losses recorded through the FDIC loss share receivable — — 1,045 1,045 — 3,016 3,016 Balance, end of period $ 19,594 $ — $ 9,975 $ 29,569 $ 17,885 $ 17,722 $ 35,607 ALLL activity on purchased non-credit impaired loans included consumer and residential real estate charge-offs and corresponding provision for loan and lease losses of $46,000 and $48,000 for the three and six months ended June 30, 2015 , respectively, resulting in no ending allowance for PNCI loans at June 30, 2015 . Activity in the allowance for loan and lease losses on organic loans is detailed as follows by portfolio segment for the periods indicated (dollars in thousands) : Organic Loans Commercial Real Estate Residential Real Estate Owner-Occupied Real Estate Commercial, Financial & Agricultural Leases Consumer Total Three Months Ended June 30, 2015 Beginning balance $ 13,837 $ 1,474 $ 2,071 $ 1,578 $ 339 $ 125 $ 19,424 Charge-offs — — — (59 ) — (5 ) (64 ) Recoveries — — — 9 — 3 12 Provision (619 ) 101 145 438 94 63 222 Ending balance $ 13,218 $ 1,575 $ 2,216 $ 1,966 $ 433 $ 186 $ 19,594 Six Months Ended June 30, 2015 Beginning balance $ 13,134 $ 1,190 $ 1,928 $ 1,770 $ 262 $ 108 $ 18,392 Charge-offs — — — (127 ) — (13 ) (140 ) Recoveries 1 1 — 41 — 7 50 Provision 83 384 288 282 171 84 1,292 Ending balance $ 13,218 $ 1,575 $ 2,216 $ 1,966 $ 433 $ 186 $ 19,594 Three Months Ended June 30, 2014 Beginning balance $ 11,726 $ 1,033 $ 2,496 $ 1,473 $ — $ 130 $ 16,858 Charge-offs — (1 ) — (72 ) — (6 ) (79 ) Recoveries 8 22 — 76 — — 106 Provision 1,007 26 (59 ) 26 — — 1,000 Ending balance $ 12,741 $ 1,080 $ 2,437 $ 1,503 $ — $ 124 $ 17,885 Six Months Ended June 30, 2014 Beginning balance $ 11,163 $ 1,015 $ 2,535 $ 1,799 $ — $ 144 $ 16,656 Charge-offs (65 ) (1 ) — (137 ) — (12 ) (215 ) Recoveries 290 24 — 130 — — 444 Provision 1,353 42 (98 ) (289 ) — (8 ) 1,000 Ending balance $ 12,741 $ 1,080 $ 2,437 $ 1,503 $ — $ 124 $ 17,885 The following table presents the balance of organic loans and the allowance for loan and lease losses based on the method of determining the allowance at the dates indicated (dollars in thousands) : Allowance for Loan and Lease Losses Loans Organic Loans Individually Evaluated for Impairment Collectively Evaluated for Impairment Total Allowance Individually Evaluated for Impairment Collectively Evaluated for Impairment Total Loans June 30, 2015 Commercial real estate $ 332 $ 12,886 $ 13,218 $ 3,986 $ 1,030,939 $ 1,034,925 Residential real estate 46 1,529 1,575 304 118,308 118,612 Owner-occupied real estate 229 1,987 2,216 458 205,347 205,805 Commercial, financial & agricultural 98 1,868 1,966 197 125,960 126,157 Leases — 433 433 — 26,709 26,709 Consumer 13 173 186 26 12,052 12,078 Total organic loans $ 718 $ 18,876 $ 19,594 $ 4,971 $ 1,519,315 $ 1,524,286 December 31, 2014 Commercial real estate $ 330 $ 12,804 $ 13,134 $ 4,089 $ 916,376 $ 920,465 Residential real estate 58 1,132 1,190 1,263 90,185 91,448 Owner-occupied real estate 22 1,906 1,928 44 188,889 188,933 Commercial, financial & agricultural 66 1,704 1,770 131 90,799 90,930 Leases — 262 262 — 19,959 19,959 Consumer 10 98 108 19 8,639 8,658 Total organic loans $ 486 $ 17,906 $ 18,392 $ 5,546 $ 1,314,847 $ 1,320,393 Activity in the allowance for loan and lease losses on purchased credit impaired loans is detailed as follows by portfolio segment for the periods indicated (dollars in thousands) : Purchased Credit Impaired Loans Commercial Real Estate Residential Real Estate Owner-Occupied Real Estate Commercial, Financial & Agricultural Consumer Total Three Months Ended June 30, 2015 Beginning balance $ 4,817 $ 2,571 $ 2,611 $ 551 $ 8 $ 10,558 Charge-offs (977 ) (594 ) (373 ) (201 ) (10 ) (2,155 ) Recoveries 174 107 476 363 107 1,227 Provision 250 271 (1 ) (88 ) (87 ) 345 Amount attributable to FDIC loss share agreements (235 ) (130 ) (149 ) (34 ) (1 ) (549 ) Provision charged to operations 15 141 (150 ) (122 ) (88 ) (204 ) Provision recorded through the FDIC loss share receivable 235 130 149 34 1 549 Ending balance $ 4,264 $ 2,355 $ 2,713 $ 625 $ 18 $ 9,975 Six Months Ended June 30, 2015 Beginning balance $ 5,461 $ 2,298 1,916 $ 567 $ 4 $ 10,246 Charge-offs (2,514 ) (726 ) (1,052 ) (976 ) (116 ) (5,384 ) Recoveries 652 236 523 559 181 2,151 Provision 665 547 1,326 475 (51 ) 2,962 Amount attributable to FDIC loss share agreements (313 ) (182 ) (402 ) (140 ) (8 ) (1,045 ) Provision charged to operations 352 365 924 335 (59 ) 1,917 Provision recorded through the FDIC loss share receivable 313 182 402 140 8 1,045 Ending balance $ 4,264 $ 2,355 $ 2,713 $ 625 $ 18 $ 9,975 Three Months Ended June 30, 2014 Beginning balance $ 12,107 $ 2,986 $ 2,688 $ 1,364 $ 37 $ 19,182 Charge-offs (3,267 ) (246 ) (975 ) (393 ) — (4,881 ) Recoveries 2,459 318 183 350 16 3,326 Provision (693 ) 815 579 (628 ) 22 95 Amount attributable to FDIC loss share agreements 400 (764 ) (597 ) 581 (14 ) (394 ) Provision charged to operations (293 ) 51 (18 ) (47 ) 8 (299 ) Provision recorded through the FDIC loss share receivable (400 ) 764 597 (581 ) 14 394 Ending balance $ 10,606 $ 3,873 $ 2,475 $ 693 $ 75 $ 17,722 Six Months Ended June 30, 2014 Beginning balance $ 11,226 $ 2,481 $ 1,950 $ 1,680 $ 72 $ 17,409 Charge-offs (8,184 ) (656 ) (1,769 ) (932 ) (10 ) (11,551 ) Recoveries 5,834 1,016 999 652 56 8,557 Provision 1,730 1,032 1,295 (707 ) (43 ) 3,307 Amount attributable to FDIC loss share agreements (1,578 ) (941 ) (1,181 ) 645 39 (3,016 ) Provision charged to operations 152 91 114 (62 ) (4 ) 291 Provision recorded through the FDIC loss share receivable 1,578 941 1,181 (645 ) (39 ) 3,016 Ending balance $ 10,606 $ 3,873 $ 2,475 $ 693 $ 75 $ 17,722 The following table presents the balance of purchased credit impaired loans and the allowance for loan and lease losses based on the method of determining the allowance at the dates indicated (dollars in thousands) : Allowance for Loan and Lease Losses Loans Purchased Credit Impaired Loans Individually Evaluated for Impairment Collectively Evaluated for Impairment Total Allowance Individually Evaluated for Impairment Collectively Evaluated for Impairment Total Loans June 30, 2015 Commercial real estate $ 1,982 $ 2,282 $ 4,264 $ 36,945 $ 31,244 $ 68,189 Residential real estate 969 1,386 2,355 6,392 64,145 70,537 Owner-occupied real estate 2,477 236 2,713 16,619 18,417 35,036 Commercial, financial & agricultural 3 622 625 484 2,750 3,234 Consumer — 18 18 33 332 365 Total purchased credit impaired loans $ 5,431 $ 4,544 $ 9,975 $ 60,473 $ 116,888 $ 177,361 December 31, 2014 Commercial real estate $ 1,830 $ 3,631 $ 5,461 $ 42,721 $ 40,503 $ 83,224 Residential real estate 1,094 1,204 2,298 3,718 75,075 78,793 Owner-occupied real estate 1,462 454 1,916 19,736 22,432 42,168 Commercial, financial & agricultural — 567 567 353 1,600 1,953 Consumer — 4 4 31 170 201 Total purchased credit impaired loans $ 4,386 $ 5,860 $ 10,246 $ 66,559 $ 139,780 $ 206,339 For each period indicated, a portion of the Company's purchased credit impaired loans were past due, including many that were 90 days or more past due; however, such delinquencies were included in the Company's performance expectations in determining the fair values of purchased credit impaired loans at each acquisition and at subsequent valuation dates. All purchased credit impaired loan cash flows and the timing of such cash flows continue to be estimable and probable of collection and thus accretion income continues to be recognized on these assets. As such, the referenced purchased credit impaired loans are not considered nonperforming assets. Impaired organic and purchased non-credit impaired loans, segregated by class of loans, are presented in the following table (dollars in thousands) : June 30, 2015 December 31, 2014 Unpaid Principal Balance Recorded Investment Related Allowance Unpaid Principal Balance Recorded Investment Related Allowance Impaired Loans: Organic and Purchased Non-Credit Impaired With no related allowance recorded: Construction, land & land development $ 4,506 $ 3,322 $ — $ 4,616 $ 3,426 $ — Other commercial real estate — — — — — — Total commercial real estate 4,506 3,322 — 4,616 3,426 — Residential real estate 94 83 — 875 875 — Owner-occupied real estate 22 18 — — — — Commercial, financial & agricultural 139 122 — — — — Consumer 17 9 — — — — Subtotal 4,778 3,554 — 5,491 4,301 — With related allowance recorded: Construction, land & land development 37 37 19 3 3 1 Other commercial real estate 802 627 313 834 659 329 Total commercial real estate 839 664 332 837 662 330 Residential real estate 334 304 46 432 399 58 Owner-occupied real estate 455 458 229 44 44 22 Commercial, financial & agricultural 184 197 98 227 227 66 Consumer 27 26 13 21 20 10 Subtotal 1,839 1,649 718 1,561 1,352 486 Total impaired loans $ 6,617 $ 5,203 $ 718 $ 7,052 $ 5,653 $ 486 The following table presents information related to the average recorded investment and interest income recognized on organic and purchased non-credit impaired loans, for the periods indicated (dollars in thousands) : June 30, 2015 June 30, 2014 Average Recorded Investment (1) Interest Income Recognized (2) Average Recorded Investment (1) Interest Income Recognized (2) Three Months Ended Construction, land & land development $ 3,384 $ — $ 82 $ — Other commercial real estate 664 10 464 9 Total commercial real estate 4,048 10 546 9 Residential real estate 354 3 1,238 6 Owner-occupied real estate 425 3 164 — Commercial, financial & agricultural 277 3 191 2 Consumer 33 — 18 — Total impaired loans $ 5,137 $ 19 $ 2,157 $ 17 Six Months Ended Construction, land & land development $ 3,403 $ 41 $ 301 $ 44 Other commercial real estate 668 19 497 9 Total commercial real estate 4,071 60 798 53 Residential real estate 378 6 1,230 6 Owner-occupied real estate 306 3 144 — Commercial, financial & agricultural 265 4 215 2 Consumer 27 — 19 3 Total impaired loans $ 5,047 $ 73 $ 2,406 $ 64 (1) The average recorded investment for troubled debt restructurings for the three and six months ended June 30, 2015 was $3.3 million and $3.4 million , respectively, and was $870,000 and $869,000 for the three and six months ended June 30, 2014 , respectively. (2) The interest income recognized on troubled debt restructurings for the three and six months ended June 30, 2015 was $0 and $41,000 , respectively, and no interest income was recognized for the three and six months ended June 30, 2014 . The following table presents the recorded investment in nonaccrual loans by loan class at the dates indicated (dollars in thousands) : Nonaccrual Loans (1): June 30, 2015 December 31, 2014 Construction, land & land development $ 3,359 $ 3,429 Other commercial real estate 627 659 Total commercial real estate 3,986 4,088 Residential real estate 386 1,274 Owner-occupied real estate 477 44 Commercial, financial & agricultural 319 227 Consumer 35 20 Total nonaccrual loans $ 5,203 $ 5,653 (1) Includes both organic and purchased non-credit impaired nonaccrual loans. Purchased non-credit impaired nonaccrual loans totaled $232,000 at June 30, 2015 and $107,000 at December 31, 2014 . The following table presents an analysis of past due organic loans, by class of loans, for the periods indicated (dollars in thousands) : Organic Loans 30 - 89 Days Past Due 90 Days or Greater Past Due Total Past Due Current Total Loans Loans > 90 Days and Accruing June 30, 2015 Construction, land & land development $ — $ 36 $ 36 $ 399,946 $ 399,982 $ — Other commercial real estate 297 19 316 634,627 634,943 — Total commercial real estate 297 55 352 1,034,573 1,034,925 — Residential real estate 318 — 318 118,294 118,612 — Owner-occupied real estate 267 192 459 205,346 205,805 — Commercial, financial & agricultural 80 — 80 126,077 126,157 — Leases — — — 26,709 26,709 — Consumer 8 16 24 12,054 12,078 — Total organic loans $ 970 $ 263 $ 1,233 $ 1,523,053 $ 1,524,286 $ — December 31, 2014 Construction, land & land development $ — $ — $ — $ 310,987 $ 310,987 $ — Other commercial real estate 24 385 409 609,069 609,478 — Total commercial real estate 24 385 409 920,056 920,465 — Residential real estate 527 893 1,420 90,028 91,448 — Owner-occupied real estate 287 44 331 188,602 188,933 — Commercial, financial & agricultural — 108 108 90,822 90,930 — Leases — — — 19,959 19,959 — Consumer 25 12 37 8,621 8,658 — Total organic loans $ 863 $ 1,442 $ 2,305 $ 1,318,088 $ 1,320,393 $ — The following table presents an analysis of past due purchased non-credit impaired loans, by class of loans, for the periods indicated (dollars in thousands) : Purchased Non-Credit Impaired Loans 30 - 89 Days Past Due 90 Days or Greater Past Due Total Past Due Current Total Loans Loans > 90 Days and Accruing June 30, 2015 Construction, land & land development $ 803 $ — $ 803 $ 60,286 $ 61,089 $ — Other commercial real estate — — — 91,212 91,212 — Total commercial real estate 803 — 803 151,498 152,301 — Residential real estate 319 75 394 82,274 82,668 — Owner-occupied real estate 420 — 420 72,989 73,409 — Commercial, financial & agricultural 40 — 40 28,616 28,656 — Consumer 18 — 18 3,487 3,505 — Total purchased non-credit impaired loans $ 1,600 $ 75 $ 1,675 $ 338,864 $ 340,539 $ — December 31, 2014 Construction, land & land development $ — $ — $ — $ 2,166 $ 2,166 $ — Other commercial real estate — — — 26,793 26,793 — Total commercial real estate — — — 28,959 28,959 — Residential real estate 490 11 501 43,168 43,669 — Owner-occupied real estate — — — 22,743 22,743 — Commercial, financial & agricultural — — — 11,635 11,635 — Consumer — — — 791 791 — Total purchased non-credit impaired loans $ 490 $ 11 $ 501 $ 107,296 $ 107,797 $ — The following table presents an analysis of past due purchased credit impaired loans, by class of loans, for the periods indicated (dollars in thousands) : Purchased Credit Impaired Loans 30 - 89 Days Past Due 90 Days or Greater Past Due Total Past Due Current Total Loans June 30, 2015 Construction, land & land development $ 914 $ 5,069 $ 5,983 $ 14,019 $ 20,002 Other commercial real estate 1,226 5,141 6,367 41,820 48,187 Total commercial real estate 2,140 10,210 12,350 55,839 68,189 Residential real estate 2,184 5,085 7,269 63,268 70,537 Owner-occupied real estate 226 3,309 3,535 31,501 35,036 Commercial, financial & agricultural 42 285 327 2,907 3,234 Consumer 1 115 116 249 365 Total purchased credit impaired loans $ 4,593 $ 19,004 $ 23,597 $ 153,764 $ 177,361 December 31, 2014 Construction, land & land development $ 1,235 $ 8,797 $ 10,032 $ 14,512 $ 24,544 Other commercial real estate 1,443 4,957 6,400 52,280 58,680 Total commercial real estate 2,678 13,754 16,432 66,792 83,224 Residential real estate 3,525 6,577 10,102 68,691 78,793 Owner-occupied real estate 1,113 4,148 5,261 36,907 42,168 Commercial, financial & agricultural — 340 340 1,613 1,953 Consumer — 101 101 100 201 Total purchased credit impaired loans $ 7,316 $ 24,920 $ 32,236 $ 174,103 $ 206,339 Asset Quality Grades: The Company assigns loans into risk categories based on relevant information about the ability of borrowers to pay their debts, such as current financial information, historical payment experience, credit documentation, public information and current economic trends, among other factors. A loan's risk grade is assigned at inception based upon the strength of the repayment sources and reassessed periodically throughout the year. Loans over certain dollar thresholds identified as having weaknesses are subject to more frequent review. In addition, the Company's internal loan review department provides an ongoing, comprehensive and independent assessment of credit risk within the Company. Loans are graded on a scale of 1 to 8. Pass grades are from 1 to 4. Descriptions of the general characteristics of grades 5 and above are as follows: Watch (Grade 5) —Loans graded Watch are pass credits that have not met performance expectations or that have higher inherent risk characteristics warranting continued supervision and attention. OAEM (Grade 6) —Loans graded OAEM (other assets especially mentioned) have potential weaknesses that deserve management's close attention. If left uncorrected, these potential weaknesses may result in deterioration of the repayment prospects for the loan or in the Company's credit position at some future date. OAEM loans are not adversely classified and do not expose the institution to sufficient risk to warrant adverse classification. Substandard (Grade 7) —Loans classified as substandard are inadequately protected by the current sound worth and payment capacity of the obligor or of the collateral pledged, if any. Loans so classified have a well-defined weakness, or weaknesses, that jeopardize the liquidation of the debt. They are characterized by the distinct possibility that the institution will sustain some loss if the deficiencies are not corrected. Doubtful (Grade 8) —Loans classified as doubtful have all the weaknesses inherent in those classified as substandard, with the added characteristic that the weaknesses make collection or liquidation in full, on the basis of currently existing facts, conditions, and values, highly questionable and improbable. The following table presents the risk grades of the organic loan portfolio, by class of loans, for the periods presented (dollars in thousands) : Organic Loans Pass Watch OAEM Substandard Doubtful Total June 30, 2015 Construction, land & land development $ 366,595 $ 30,016 $ 12 $ 3,359 $ — $ 399,982 Other commercial real estate 581,428 50,131 2,349 1,035 — 634,943 Total commercial real estate 948,023 80,147 2,361 4,394 — 1,034,925 Residential real estate 107,460 9,875 215 1,062 — 118,612 Owner-occupied real estate 185,803 18,485 937 580 — 205,805 Commercial, financial & agricultural 123,845 1,363 590 359 — 126,157 Leases 26,709 — — — — 26,709 Consumer 11,428 41 6 603 — 12,078 Total organic loans $ 1,403,268 $ 109,911 $ 4,109 $ 6,998 $ — $ 1,524,286 December 31, 2014 Construction, land & land development $ 272,847 $ 34,702 $ — $ 3,438 $ — $ 310,987 Other commercial real estate 572,098 35,434 905 1,041 — 609,478 Total commercial real estate 844,945 70,136 905 4,479 — 920,465 Residential real estate 69,828 19,656 287 1,677 — 91,448 Owner-occupied real estate 162,929 17,999 1,157 6,848 — 188,933 Commercial, financial & agricultural 87,819 1,754 798 559 — 90,930 Leases 19,959 — — — — 19,959 Consumer 8,302 27 9 320 — 8,658 Total organic loans $ 1,193,782 $ 109,572 $ 3,156 $ 13,883 $ — $ 1,320,393 The following table presents the risk grades of the purchased non-credit impaired loan portfolio, by class of loans, for the periods presented (dollars in thousands) : Purchased Non-Credit Impaired Loans Pass Watch OAEM Substandard Doubtful Total June 30, 2015 Construction, land & land development $ 61,089 $ — $ — $ — $ — $ 61,089 Other commercial real estate 83,241 7,971 — — — 91,212 Total commercial real estate 144,330 7,971 — — — 152,301 Residential real estate 80,816 1,768 — 84 — 82,668 Owner-occupied real estate 67,581 5,457 — 371 — 73,409 Commercial, financial & agricultural 26,305 140 2,089 122 — 28,656 Consumer 3,496 — — 9 — 3,505 Total purchased non-credit impaired loans $ 322,528 $ 15,336 $ 2,089 $ 586 $ — $ 340,539 December 31, 2014 Construction, land & land development $ 2,166 $ — $ — $ — $ — $ 2,166 Other commercial real estate 24,257 2,536 — — — 26,793 Total commercial real estate 26,423 2,536 — — — 28,959 Residential real estate 41,868 1,694 — 107 — 43,669 Owner-occupied real estate 21,862 881 — — — 22,743 Commercial, financial & agricultural 9,800 1,475 264 96 — 11,635 Consumer 773 18 — — — 791 Total purchased non-credit impaired loans $ 100,726 $ 6,604 $ 264 $ 203 $ — $ 107,797 Classifications on purchased credit impaired loans are based upon the borrower's ability to pay the current unpaid principal balance without regard to the net carrying value of the loan on the Company's balance sheet. Because the values shown in the table below are based on each loan's estimated cash flows, any expected losses should be covered by a combination of the specific reserves established in the allowance for loan losses on purchased credit impaired loans plus the discounts to the unpaid principal balances reflected in the recorded investment of each loan. The following table presents the risk grades of the purchased credit impaired loan portfolio, by class of loans (dollars in thousands) : Purchased Credit Impaired Loans Pass Watch OAEM Substandard Doubtful Total June 30, 2015 Construction, land & land development $ 4,911 $ 2,067 $ 1,353 $ 9,443 $ 2,228 $ 20,002 Other commercial real estate 5,898 25,804 2,862 12,050 1,573 48,187 Total commercial real estate 10,809 27,871 4,215 21,493 3,801 68,189 Residential real estate 33,757 12,689 5,008 13,211 5,872 70,537 Owner-occupied real estate 11,701 5,810 3,235 13,264 1,026 35,036 Commercial, financial & agricultural 1,275 494 131 297 1,037 3,234 Consumer 125 55 1 41 143 365 Total purchased credit impaired loans $ 57,667 $ 46,919 $ 12,590 $ 48,306 $ 11,879 $ 177,361 December 31, 2014 Construction, land & land development $ 5,833 $ 2,228 $ 195 $ 14,485 $ 1,803 $ 24,544 Other commercial real estate 5,893 24,139 8,397 18,383 1,868 58,680 Total commercial real estate 11,726 26,367 8,592 32,868 3,671 83,224 Residential real estate 35,829 11,092 8,649 17,698 5,525 78,793 Owner-occupied real estate 15,234 12,786 3,694 9,405 1,049 42,168 Commercial, financial & agricultural 1,048 142 123 308 332 1,953 Consumer 32 24 — 25 120 201 Total purchased credit impaired loans $ 63,869 $ 50,411 $ 21,058 $ 60,304 $ 10,697 $ 206,339 Troubled Debt Restructurings (TDRs) Total organic troubled debt restructurings (TDRs) were $3.3 million and $4.3 million at June 30, 2015 and December 31, 2014 , respectively, with no related allowance for loans losses for the same periods. At June 30, 2015 and December 31, 2014 , there were no commitments to extend credit to any of the borrowers with an existing troubled debt restructuring. At June 30, 2015 and December 31, 2014 , there were no purchased non-credit impaired TDRs. Purchased credit impaired loans modified post-acquisition are not removed from their accounting pools and accounted for as TDRs, even if those loans would otherwise be deemed TDRs. During the three and six months ended June 30, 2015 and 2014 , there were no organic loans modified under the terms of a TDR. During the three and six months ended June 30, 2015 and 2014 , there were no organic TDRs that subsequently defaulted within twelve months of their modification dates. |