Construction and Land Residential Commercial December 31, 2012 Commercial Development Farmland Real Estate Real Estate Consumer Total Pass 51, 532 7, 592 $  1, 154 $  26, 277 $  68, 352 154, 907 Special mention 1, 121 247 -  1, 730 724 3, 822 Substandard 2, 750 1, 098 2, 881 3, 906 10, 635 Doubtful 27 27 Not -rated 2, 234 -  33, 161 1, 749 37, 144 55, 430 $  10, 073 $  2, 252 $  64, 049 $  72, 982 $  1, 749 $  206, 535 Non -rated loans:  Performing $ - $  2, 234 $ - $  33, 161 $ - $  1, 749 $  37, 144 Non - performing - - - -  2, 234 $ $  33, 161 $ $  1, 749 $  37, 144 Greater Than 90 Days 30 -59 Days 60 -89 Days ( Still Non -  December 31, 2013 Current Past Due Past Due Accruing)  Accrual Total Commercial $  56, 768 $  29 $ $ $ $  56, 797 Construction and land development 11, 602 -  11, 602 Farmland 732 -  1, 041 1, 773 Residential real estate 71, 634 280 23 71, 937 Commercial real estate 76, 908 729 372 78, 009 Consumer 724 - -  724 218, 368 $  1, 038 $ - $ - $  1, 436 $  220, 842 Greater Than 90 Days 30 -59 Days 60 -89 Days ( Still Non -  December 31, 2012 Current Past Due Past Due Accruing)  Accrual Total Commercial $  54, 952 $ $ $ $  478 $  55, 430 Construction and land development 10, 073 -  10, 073 Farmland 1, 154 1, 098 2, 252 Residential real estate 62, 112 26 1, 911 -  64, 049 Commercial real estate 71, 230 378 -  315 1, 059 72, 982 Consumer 1, 749 - - -  1, 749 201, 270 $  404 $  3, 009 $  315 $  1, 537 $  206, 535 The Bank maintains the allowance for loan losses at a level believed adequate by management to absorb losses inherent in the portfolio. It is established and maintained through a provision for loan losses charged to earnings. Quarterly, management assesses the adequacy of the allowance for loan losses utilizing a defined methodology, which considers specific credit evaluation of impaired loans, past loan loss historical experience, and qualitative factors.  Management further monitors the performance and credit quality of the loan portfolio by analyzing the length of time a recorded payment is past due, by aggregating loans based on their delinquencies.  The following tables present the segments of the loan portfolio summarized by aging categories of performing loans and nonaccrual loans as of December 31, 2013 and 2012 ( in thousands):  22