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Allowance for Loan Losses (Tables)
 9 Months Ended
Sep. 30, 2019
Provision for Loan and Lease Losses [Abstract]  
Summary of allocation of the allowance as well as the activity in the allowance attributed to various segments in the loan portfolio
The following tables summarize the allocation of the ALLL as well as the activity in the ALLL attributed to various segments in the loan portfolio as of and for the periods indicated:


 
Three Months Ended September 30, 2019
 
Commercial and industrial
 
Franchise
 
Commercial owner occupied
 
SBA
 
Agribusiness
 
Commercial non-owner occupied
 
Multi-family
 
One-to-four family
 
Construction
 
Farmland
 
Land
 
Consumer loans
 
Total
 
(dollars in thousands)
Balance, March 31, 2019
$
11,031

 
$
6,765

 
$
1,490

 
$
3,363

 
$
2,765

 
$
1,765

 
$
705

 
$
704

 
$
4,750

 
$
809

 
$
658

 
$
221

 
$
35,026

Charge-offs
(290
)
 
(995
)
 
—

 
(143
)
 
—

 
(86
)
 
—

 
—

 
—

 
—

 
—

 
(11
)
 
(1,525
)
Recoveries
54

 
—

 
8

 
62

 
—

 
—

 
—

 
1

 
—

 
—

 
—

 
9

 
134

Provisions for (reduction in) loan losses
(265
)
 
963

 
228

 
1,099

 
(399
)
 
199

 
10

 
(14
)
 
(592
)
 
29

 
(25
)
 
132

 
1,365

Balance, June 30, 2019
$
10,530

 
$
6,733

 
$
1,726

 
$
4,381

 
$
2,366

 
$
1,878

 
$
715

 
$
691

 
$
4,158

 
$
838

 
$
633

 
$
351

 
$
35,000

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Nine Months Ended September 30, 2019
 
Commercial and industrial
 
Franchise
 
Commercial owner occupied
 
SBA
 
Agribusiness
 
Commercial non-owner occupied
 
Multi-family
 
One-to-four family
 
Construction
 
Farmland
 
Land
 
Consumer loans
 
Total
 
(dollars in thousands)
Balance, December 31, 2018
$
10,821

 
$
6,500

 
$
1,386

 
$
4,288

 
$
3,283

 
$
1,604

 
$
725

 
$
805

 
$
5,166

 
$
503

 
$
772

 
$
219

 
$
36,072

Charge-offs
(985
)
 
(2,531
)
 
—

 
(1,362
)
 
—

 
(574
)
 
—

 
—

 
—

 
—

 
—

 
(16
)
 
(5,468
)
Recoveries
168

 
—

 
31

 
66

 
—

 
—

 
—

 
2

 
—

 
—

 
—

 
10

 
277

Provisions for (reduction in) loan losses
526

 
2,764

 
309

 
1,389

 
(917
)
 
848

 
(10
)
 
(116
)
 
(1,008
)
 
335

 
(139
)
 
138

 
4,119

Balance, September 30, 2019
$
10,530

 
$
6,733

 
$
1,726

 
$
4,381

 
$
2,366

 
$
1,878

 
$
715

 
$
691

 
$
4,158

 
$
838

 
$
633

 
$
351

 
$
35,000

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Amount of allowance attributed to:
 

 
 
 
 

 
 

 
 
 
 

 
 

 
 

 
 

 
 
 
 

 
 

 
 

Specifically evaluated impaired loans
$
—

 
$
—

 
$
—

 
$
—

 
$
—

 
$
—

 
$
—

 
$
—

 
$
—

 
$
—

 
$
—

 
$
—

 
$
—

General portfolio allocation
10,530

 
6,733

 
1,726

 
4,381

 
2,366

 
1,878

 
715

 
691

 
4,158

 
838

 
633

 
351

 
35,000

Loans individually evaluated for impairment
2,950

 
16

 
1,406

 
2,586

 
6,903

 
777

 
—

 
371

 
—

 
—

 
—

 
—

 
15,009

Specific reserves to total loans individually evaluated for impairment
—
%
 
—
%
 
—
%
 
—
%
 
—
%
 
—
%
 
—
%
 
—
%
 
—
%
 
—
%
 
—
%
 
—
%
 
—
%
Loans collectively evaluated for impairment
$
1,230,988

 
$
894,007

 
$
1,677,482

 
$
177,379

 
$
112,730

 
$
2,052,813

 
$
1,611,904

 
$
272,811

 
$
478,961

 
$
171,667

 
$
30,717

 
$
40,548

 
$
8,752,007

General reserves to total loans collectively evaluated for impairment
0.86
%
 
0.75
%
 
0.10
%
 
2.47
%
 
2.10
%
 
0.09
%
 
0.04
%
 
0.25
%
 
0.87
%
 
0.49
%
 
2.06
%
 
0.87
%
 
0.40
%
Total gross loans held for investment
$
1,233,938

 
$
894,023

 
$
1,678,888

 
$
179,965

 
$
119,633

 
$
2,053,590

 
$
1,611,904

 
$
273,182

 
$
478,961

 
$
171,667

 
$
30,717

 
$
40,548

 
$
8,767,016

Total allowance to gross loans held for investment
0.85
%
 
0.75
%
 
0.10
%
 
2.43
%
 
1.98
%
 
0.09
%
 
0.04
%
 
0.25
%
 
0.87
%
 
0.49
%
 
2.06
%
 
0.87
%
 
0.40
%
 
Three Months Ended September 30, 2018
 
Commercial and industrial
 
Franchise
 
Commercial owner occupied
 
SBA
 
Agribusiness
 
Commercial non-owner occupied
 
Multi-family
 
One-to-four family
 
Construction
 
Farmland
 
Land
 
Consumer loans
 
Total
 
(dollars in thousands)
Balance, March 31, 2018
$
10,164

 
$
6,181

 
$
1,137

 
$
2,575

 
$
2,694

 
$
1,450

 
$
563

 
$
698

 
$
4,809

 
$
405

 
$
972

 
$
99

 
$
31,747

Charge-offs
(100
)
 
—

 
—

 
(44
)
 
—

 
—

 
—

 
—

 
—

 
—

 
—

 
(85
)
 
(229
)
Recoveries
120

 
—

 
8

 
8

 
—

 
—

 
—

 
—

 
—

 
—

 
—

 
6

 
142

Provisions for (reduction in) loan losses
200

 
151

 
68

 
288

 
871

 
33

 
60

 
21

 
11

 
(30
)
 
(104
)
 
77

 
1,646

Balance, June 30, 2018
$
10,384

 
$
6,332

 
$
1,213

 
$
2,827

 
$
3,565

 
$
1,483

 
$
623

 
$
719

 
$
4,820

 
$
375

 
$
868

 
$
97

 
$
33,306

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Nine Months Ended September 30, 2018
 
Commercial and industrial
 
Franchise
 
Commercial owner occupied
 
SBA
 
Agribusiness
 
Commercial non-owner occupied
 
Multi-family
 
One-to-four family
 
Construction
 
Farmland
 
Land
 
Consumer loans
 
Total
 
(dollars in thousands)
Balance, December 31, 2017
$
9,721

 
$
5,797

 
$
767

 
$
2,890

 
$
1,291

 
$
1,266

 
$
607

 
$
803

 
$
4,569

 
$
137

 
$
993

 
$
95

 
$
28,936

Charge-offs
(1,011
)
 
—

 
—

 
(100
)
 
—

 
—

 
—

 
—

 
—

 
—

 
—

 
(137
)
 
(1,248
)
Recoveries
283

 
—

 
32

 
43

 
—

 
—

 
—

 
1

 
—

 
—

 
—

 
7

 
366

Provisions for (reduction in) loan losses
1,391

 
535

 
414

 
(6
)
 
2,274

 
217

 
16

 
(85
)
 
251

 
238

 
(125
)
 
132

 
5,252

Balance, September 30, 2018
$
10,384

 
$
6,332

 
$
1,213

 
$
2,827

 
$
3,565

 
$
1,483

 
$
623

 
$
719

 
$
4,820

 
$
375

 
$
868

 
$
97

 
$
33,306

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Amount of allowance attributed to:
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 

Specifically evaluated impaired loans
$
—

 
$
—

 
$
—

 
$
250

 
$
—

 
$
—

 
$
—

 
$
—

 
$
—

 
$
—

 
$
—

 
$
—

 
$
250

General portfolio allocation
10,384

 
6,332

 
1,213

 
2,577

 
3,565

 
1,483

 
623

 
719

 
4,820

 
375

 
868

 
97

 
33,056

Loans individually evaluated for impairment
1,027

 
209

 
—

 
2,748

 
—

 
1,290

 
589

 
1,388

 
—

 
—

 
4

 
13

 
7,268

Specific reserves to total loans individually evaluated for impairment
—
%
 
—
%
 
—
%
 
9.10
%
 
—
%
 
—
%
 
—
%
 
—
%
 
—
%
 
—
%
 
—
%
 
—
%
 
3.44
%
Loans collectively evaluated for impairment
$
1,358,814

 
$
735,157

 
$
1,675,528

 
$
190,739

 
$
133,241

 
$
1,929,875

 
$
1,554,103

 
$
375,229

 
$
504,708

 
138,479

 
$
49,988

 
$
114,723

 
$
8,760,584

General reserves to total loans collectively evaluated for impairment
0.76
%
 
0.86
%
 
0.07
%
 
1.35
%
 
2.68
%
 
0.08
%
 
0.04
%
 
0.19
%
 
0.96
%
 
0.27
%
 
1.74
%
 
0.08
%
 
0.38
%
Total gross loans held for investment
$
1,359,841

 
$
735,366

 
$
1,675,528

 
$
193,487

 
$
133,241

 
$
1,931,165

 
$
1,554,692

 
$
376,617

 
$
504,708

 
138,479

 
$
49,992

 
$
114,736

 
$
8,767,852

Total allowance to gross loans held for investment
0.76
%
 
0.86
%
 
0.07
%
 
1.46
%
 
2.68
%
 
0.08
%
 
0.04
%
 
0.19
%
 
0.96
%
 
0.27
%
 
1.74
%
 
0.08
%
 
0.38
%