Summary of Activity in Allowance for Loan Losses, and Ending Balance of Loans, Net of Unearned Fees for Periods Indicated |
The following tables summarize the activity in the allowance for credit losses on loans, and ending balance of loans, net of unearned fees for the periods indicated: | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | Allowance for Loan Losses – Three Months Ended June 30, 2020 | | | | | | | | | | | (in thousands) | Beginning Balance | | | | Charge-offs | | Recoveries | | Provision | | Ending Balance | Commercial real estate: | | | | | | | | | | | | CRE non-owner occupied | $ | 18,034 | | | | | $ | — | | | $ | 5 | | | $ | 8,052 | | | $ | 26,091 | | CRE owner occupied | 5,366 | | | | | — | | | 4 | | | 3,340 | | | 8,710 | | Multifamily | 5,140 | | | | | — | | | — | | | 3,441 | | | 8,581 | | Farmland | 713 | | | | | — | | | — | | | 755 | | | 1,468 | | Total commercial real estate loans | 29,253 | | | | | — | | | 9 | | | 15,588 | | | 44,850 | | Consumer: | | | | | | | | | | | | SFR 1-4 1st DT liens | 5,650 | | | | | (11) | | | 2 | | | 2,374 | | | 8,015 | | SFR HELOCs and junior liens | 11,196 | | | | | (23) | | | 92 | | | 843 | | | 12,108 | | Other | 2,746 | | | | | (243) | | | 72 | | | 467 | | | 3,042 | | Total consumer loans | 19,592 | | | | | (277) | | | 166 | | | 3,684 | | | 23,165 | | Commercial and industrial | 3,867 | | | | | (214) | | | 55 | | | 310 | | | 4,018 | | Construction | 4,595 | | | | | — | | | — | | | 2,180 | | | 6,775 | | Agriculture production | 593 | | | | | — | | | — | | | 326 | | | 919 | | Leases | 11 | | | | | — | | | — | | | 1 | | | 12 | | Total | $ | 57,911 | | | | | $ | (491) | | | $ | 230 | | | $ | 22,089 | | | $ | 79,739 | |
| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | Allowance for Loan Losses – Six months ended June 30, 2020 | | | | | | | | | | | (in thousands) | Beginning Balance | | Impact of CECL Adoption | | Charge-offs | | Recoveries | | Provision | | Ending Balance | Commercial real estate: | | | | | | | | | | | | CRE non-owner occupied | $ | 5,948 | | | $ | 6,701 | | | $ | — | | | $ | 193 | | | $ | 13,249 | | | $ | 26,091 | | CRE owner occupied | 2,027 | | | 2,281 | | | — | | | 9 | | | 4,393 | | | 8,710 | | Multifamily | 3,352 | | | 2,281 | | | — | | | — | | | 2,948 | | | 8,581 | | Farmland | 668 | | | 585 | | | — | | | — | | | 215 | | | 1,468 | | Total commercial real estate loans | 11,995 | | | 11,848 | | | — | | | 202 | | | 20,805 | | | 44,850 | | Consumer: | | | | | | | | | | | | SFR 1-4 1st DT liens | 2,306 | | | 2,675 | | | (11) | | | 412 | | | 2,633 | | | 8,015 | | SFR HELOCs and junior liens | 6,183 | | | 4,638 | | | (23) | | | 140 | | | 1,170 | | | 12,108 | | Other | 1,595 | | | 971 | | | (373) | | | 167 | | | 682 | | | 3,042 | | Total consumer loans | 10,084 | | | 8,284 | | | (407) | | | 719 | | | 4,485 | | | 23,165 | | Commercial and industrial | 4,867 | | | (1,961) | | | (594) | | | 181 | | | 1,525 | | | 4,018 | | Construction | 3,388 | | | 933 | | | — | | | — | | | 2,454 | | | 6,775 | | Agriculture production | 261 | | | (179) | | | — | | | 20 | | | 817 | | | 919 | | Leases | 21 | | | (12) | | | — | | | — | | | 3 | | | 12 | | Total | $ | 30,616 | | | $ | 18,913 | | | $ | (1,001) | | | $ | 1,122 | | | $ | 30,089 | | | $ | 79,739 | |
| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | Allowance for Loan Losses – Year Ended December 31, 2019 | | | | | | | | | (in thousands) | Beginning Balance | | Charge-offs | | Recoveries | | Provision (benefit) | | Ending Balance | Commercial real estate: | | | | | | | | | | CRE non-owner occupied | $ | 7,401 | | | $ | — | | | $ | 1,486 | | | $ | (2,939) | | | $ | 5,948 | | CRE owner occupied | 2,711 | | | (746) | | | 42 | | | 20 | | | 2,027 | | Multifamily | 2,429 | | | — | | | — | | | 923 | | | 3,352 | | Farmland | 403 | | — | | | — | | | 265 | | 668 | | Total commercial real estate loans | 12,944 | | | (746) | | | 1,528 | | | (1,731) | | | 11,995 | | Consumer: | | | | | | | | | | SFR 1-4 1st DT liens | 2,676 | | | (2) | | | 54 | | | (422) | | | 2,306 | | SFR HELOCs and junior liens | 7,582 | | | (3) | | | 935 | | | (2,331) | | | 6,183 | | Other | 793 | | | (765) | | | 321 | | | 1,246 | | | 1,595 | | Total consumer loans | 11,051 | | | (770) | | | 1,310 | | | (1,507) | | | 10,084 | | Commercial and industrial | 5,610 | | | (2,104) | | | 513 | | | 848 | | | 4,867 | | Construction | 2,497 | | | — | | | — | | | 891 | | | 3,388 | | Agriculture production | 480 | | | (19) | | | 12 | | | (212) | | | 261 | | Leases | — | | | — | | | — | | | 21 | | | 21 | | Total | $ | 32,582 | | | $ | (3,639) | | | $ | 3,363 | | | $ | (1,690) | | | $ | 30,616 | |
| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | Allowance for Loan Losses – Three Months Ended June 30, 2019 | | | | | | | | | (in thousands) | Beginning Balance | | Charge-offs | | Recoveries | | Provision (benefit) | | Ending Balance | Commercial real estate: | | | | | | | | | | CRE non-owner occupied | $ | 6,268 | | | $ | — | | | $ | 6 | | | $ | (92) | | | $ | 6,182 | | CRE owner occupied | 2,323 | | | — | | | 4 | | | (113) | | | 2,214 | | Multifamily | 3,271 | | | — | | | — | | | (189) | | | 3,082 | | Farmland | 468 | | | — | | | — | | | 153 | | | 621 | | Total commercial real estate loans | 12,330 | | | — | | | 10 | | | (241) | | | 12,099 | | Consumer: | | | | | | | | | — | | SFR 1-4 1st DT liens | 2,500 | | | (2) | | | 3 | | | 75 | | | 2,576 | | SFR HELOCs and junior liens | 7,301 | | | — | | | 354 | | | (554) | | | 7,101 | | Other | 1,040 | | | (153) | | | 108 | | | 456 | | | 1,451 | | Total consumer loans | 10,841 | | | (155) | | | 465 | | | (23) | | | 11,128 | | Commercial and industrial | 5,854 | | | (138) | | | 84 | | | 681 | | | 6,481 | | Construction | 2,815 | | | — | | | — | | | 81 | | | 2,896 | | Agriculture production | 224 | | | — | | | 1 | | | 39 | | | 264 | | Leases | — | | | — | | | — | | | — | | | — | | Total | $ | 32,064 | | | $ | (293) | | | $ | 560 | | | $ | 537 | | | $ | 32,868 | |
| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | Allowance for Loan Losses – Six months ended June 30, 2019 | | | | | | | | | (in thousands) | Beginning Balance | | Charge-offs | | Recoveries | | Provision (benefit) | | Ending Balance | Commercial real estate: | | | | | | | | | | CRE non-owner occupied | $ | 7,401 | | | $ | — | | | $ | 1,383 | | | $ | (2,602) | | | $ | 6,182 | | CRE owner occupied | 2,711 | | — | | 8 | | (505) | | 2,214 | Multifamily | 2,429 | | — | | — | | 653 | | 3,082 | Farmland | 403 | | — | | — | | 218 | | 621 | Total commercial real estate loans | 12,944 | | — | | 1,391 | | (2,236) | | 12,099 | Consumer: | | | | | | | | | | SFR 1-4 1st DT liens | 2,676 | | (2) | | 5 | | (103) | | 2,576 | SFR HELOCs and junior liens | 7,582 | | — | | 536 | | (1,017) | | 7,101 | Other | 793 | | (360) | | 183 | | 835 | | 1,451 | Total consumer loans | 11,051 | | (362) | | 724 | | (285) | | 11,128 | Commercial and industrial | 5,610 | | (657) | | 242 | | 1,286 | | 6,481 | Construction | 2,497 | | — | | — | | 399 | | 2,896 | Agriculture production | 480 | | — | | 11 | | (227) | | 264 | Leases | — | | — | | — | | — | | — | Total | $ | 32,582 | | | $ | (1,019) | | | $ | 2,368 | | | $ | (1,063) | | | $ | 32,868 | |
|
Schedule Credit Quality Indicators |
Based on the most recent analysis performed, the risk category of loans by class of loans is as follows for the period indicated:
| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | Term Loans Amortized Cost Basis by Origination Year – As of June 30, 2020 | | | | | | | | | | | | | | | | | (in thousands) | 2020 | | 2019 | | 2018 | | 2017 | | 2016 | | Prior | | Revolving Loans Amortized Cost Basis | | Revolving Loans Converted to Term | | Total | Commercial real estate: | | | | | | | | | | | | | | | | | | CRE non-owner occupied risk ratings | | | | | | | | | | | | | | | | | | Pass | $ | 68,986 | | | $ | 255,297 | | | $ | 178,000 | | | $ | 273,918 | | | $ | 207,896 | | | $ | 519,597 | | | $ | 66,225 | | | $ | — | | | $ | 1,569,919 | | Special Mention | — | | | 1,266 | | | — | | | 1,712 | | | 7,374 | | | 603 | | | 11,014 | | | — | | 21,969 | | Substandard | — | | | — | | | 1,479 | | | 466 | | | — | | | 3,108 | | | — | | | — | | 5,053 | | Doubtful/Loss | — | | | — | | | — | | | — | | | — | | | — | | | — | | | — | | | — | | Total CRE non-owner occupied risk ratings | $ | 68,986 | | | $ | 256,563 | | | $ | 179,479 | | | $ | 276,096 | | | $ | 215,270 | | | $ | 523,308 | | | $ | 77,239 | | | $ | — | | | $ | 1,596,941 | |
| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | Commercial real estate: | | | | | | | | | | | | | | | | | | CRE owner occupied risk ratings | | | | | | | | | | | | | | | | | | Pass | $ | 50,412 | | | $ | 61,065 | | | $ | 52,394 | | | $ | 65,943 | | | $ | 63,286 | | | $ | 249,270 | | | $ | 17,464 | | | $ | — | | | $ | 559,834 | | Special Mention | — | | | — | | | — | | | 4,302 | | | 3,821 | | | 5,602 | | | — | | | — | | | 13,725 | | Substandard | — | | | 1,459 | | | — | | | 484 | | | 693 | | | 3,608 | | | — | | | — | | | 6,244 | | Doubtful/Loss | — | | | — | | | — | | | — | | | — | | | — | | | — | | | — | | | — | | Total CRE owner occupied risk ratings | $ | 50,412 | | | $ | 62,524 | | | $ | 52,394 | | | $ | 70,729 | | | $ | 67,800 | | | $ | 258,480 | | | $ | 17,464 | | | $ | — | | | $ | 579,803 | |
| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | Commercial real estate: | | | | | | | | | | | | | | | | | | Multifamily risk ratings | | | | | | | | | | | | | | | | | | Pass | $ | 47,118 | | | $ | 90,562 | | | $ | 109,562 | | | $ | 73,089 | | | $ | 94,016 | | | $ | 130,181 | | | $ | 28,518 | | | $ | — | | | $ | 573,046 | | Special Mention | 67 | | | — | | | — | | | 612 | | | — | | | — | | | 1,468 | | | — | | | 2,147 | | Substandard | — | | | — | | | — | | | — | | | 2,024 | | | — | | | — | | | — | | | 2,024 | | Doubtful/Loss | — | | | — | | | — | | | — | | | — | | | — | | | — | | | — | | | — | | Total multifamily loans | $ | 47,185 | | | $ | 90,562 | | | $ | 109,562 | | | $ | 73,701 | | | $ | 96,040 | | | $ | 130,181 | | | $ | 29,986 | | | $ | — | | | $ | 577,217 | |
| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | Term Loans Amortized Cost Basis by Origination Year – As of June 30, 2020 | | | | | | | | | | | | | | | | | (in thousands) | 2020 | | 2019 | | 2018 | | 2017 | | 2016 | | Prior | | Revolving Loans Amortized Cost Basis | | Revolving Loans Converted to Term | | Total | Commercial real estate: | | | | | | | | | | | | | | | | | | Farmland risk ratings | | | | | | | | | | | | | | | | | | Pass | $ | 6,510 | | | $ | 27,441 | | | $ | 20,217 | | | $ | 11,885 | | | $ | 8,930 | | | $ | 21,473 | | | $ | 42,694 | | | $ | — | | | $ | 139,150 | | Special Mention | — | | | — | | | — | | | 1,271 | | | 226 | | | 3,277 | | | 1,512 | | | — | | | 6,286 | | Substandard | — | | | 699 | | | — | | | 614 | | | 451 | | | 2,603 | | | 1,721 | | | — | | | 6,088 | | Doubtful/Loss | — | | | — | | | — | | | — | | | — | | | — | | | — | | | — | | | — | | Total farmland loans | $ | 6,510 | | | $ | 28,140 | | | $ | 20,217 | | | $ | 13,770 | | | $ | 9,607 | | | $ | 27,353 | | | $ | 45,927 | | | $ | — | | | $ | 151,524 | |
| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | Consumer loans: | | | | | | | | | | | | | | | | | | SFR 1-4 1st DT liens risk ratings | | | | | | | | | | | | | | | | | | Pass | $ | 61,920 | | | $ | 90,702 | | | $ | 51,816 | | | $ | 64,342 | | | $ | 56,167 | | | $ | 163,073 | | | $ | — | | | $ | 5,708 | | | $ | 493,728 | | Special Mention | — | | 292 | | 74 | | 556 | | 17 | | 1,735 | | — | | 509 | | 3,183 | Substandard | — | | — | | 564 | | 1,839 | | 948 | | 4,980 | | — | | 827 | | 9,158 | Doubtful/Loss | — | | — | | — | | — | | — | | — | | — | | — | | — | Total SFR 1st DT liens | $ | 61,920 | | | $ | 90,994 | | | $ | 52,454 | | | $ | 66,737 | | | $ | 57,132 | | | $ | 169,788 | | | $ | — | | | $ | 7,044 | | | $ | 506,069 | |
| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | Consumer loans: | | | | | | | | | | | | | | | | | | SFR HELOCs and Junior Liens | | | | | | | | | | | | | | | | | | Pass | $ | — | | | $ | 500 | | | $ | 13 | | | $ | 375 | | | $ | 373 | | | $ | 1,716 | | | $ | 324,511 | | | $ | 17,075 | | | $ | 344,563 | | Special Mention | — | | — | | 18 | | — | | — | | 37 | | 4,828 | | 795 | | 5,678 | Substandard | — | | — | | — | | — | | 134 | | 66 | | 5,818 | | 1,828 | | 7,846 | Doubtful/Loss | — | | — | | — | | — | | — | | — | | — | | — | | — | Total SFR HELOCs and Junior Liens | $ | — | | | $ | 500 | | | $ | 31 | | | $ | 375 | | | $ | 507 | | | $ | 1,819 | | | $ | 335,157 | | | $ | 19,698 | | | $ | 358,087 | |
| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | Term Loans Amortized Cost Basis by Origination Year – As of June 30, 2020 | | | | | | | | | | | | | | | | | (in thousands) | 2020 | | 2019 | | 2018 | | 2017 | | 2016 | | Prior | | Revolving Loans Amortized Cost Basis | | Revolving Loans Converted to Term | | Total | Consumer loans: | | | | | | | | | | | | | | | | | | Other risk ratings | | | | | | | | | | | | | | | | | | Pass | $ | 14,687 | | | $ | 37,507 | | | $ | 18,556 | | | $ | 5,471 | | | $ | 1,555 | | | $ | 1,530 | | | $ | 1,148 | | | $ | — | | | $ | 80,454 | | Special Mention | 24 | | | 104 | | | 211 | | | 93 | | | 36 | | | 118 | | | 93 | | | — | | | 679 | | Substandard | — | | | 133 | | | 83 | | | 73 | | | 15 | | | 54 | | | 22 | | | — | | | 380 | | Doubtful/Loss | — | | | — | | | — | | | — | | | — | | | — | | | — | | | — | | | — | | Total other consumer loans | $ | 14,711 | | | $ | 37,744 | | | $ | 18,850 | | | $ | 5,637 | | | $ | 1,606 | | | $ | 1,702 | | | $ | 1,263 | | | $ | — | | | $ | 81,513 | |
| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | Commercial and industrial loans: | | | | | | | | | | | | | | | | | | Commercial and industrial risk ratings | | | | | | | | | | | | | | | | | | Pass | $ | 439,901 | | | $ | 54,477 | | | $ | 26,595 | | | $ | 20,081 | | | $ | 7,530 | | | $ | 12,517 | | | $ | 66,817 | | | $ | 1,240 | | | $ | 629,158 | | Special Mention | — | | — | | 65 | | 348 | | 113 | | 80 | | 1,043 | | 12 | | 1,661 | | Substandard | — | | 145 | | 60 | | 1,224 | | 1,036 | | 141 | | 924 | | 132 | | 3,662 | | Doubtful/Loss | — | | — | | — | | — | | — | | — | | — | | — | | — | | Total commercial and industrial loans | $ | 439,901 | | | $ | 54,622 | | | $ | 26,720 | | | $ | 21,653 | | | $ | 8,679 | | | $ | 12,738 | | | $ | 68,784 | | | $ | 1,384 | | | $ | 634,481 | |
| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | Construction loans: | | | | | | | | | | | | | | | | | | Construction risk ratings | | | | | | | | | | | | | | | | | | Pass | $ | 39,391 | | | $ | 57,143 | | | $ | 105,394 | | | $ | 45,971 | | | $ | 20,782 | | | $ | 3,089 | | | $ | — | | | $ | — | | | $ | 271,770 | | Special Mention | — | | | — | | | — | | | 346 | | | 4,385 | | | 1,824 | | | — | | | — | | | 6,555 | | Substandard | — | | | — | | — | | | — | | | — | | | 241 | | | — | | | — | | | 241 | | Doubtful/Loss | — | | — | | — | | — | | — | | — | | — | | — | | | — | | Total construction loans | $ | 39,391 | | | $ | 57,143 | | | $ | 105,394 | | | $ | 46,317 | | | $ | 25,167 | | | $ | 5,154 | | | $ | — | | | $ | — | | | $ | 278,566 | |
| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | Term Loans Amortized Cost Basis by Origination Year – As of June 30, 2020 | | | | | | | | | | | | | | | | | (in thousands) | 2020 | | 2019 | | 2018 | | 2017 | | 2016 | | Prior | | Revolving Loans Amortized Cost Basis | | Revolving Loans Converted to Term | | Total | Agriculture production loans: | | | | | | | | | | | | | | | | | | Agriculture production risk ratings | | | | | | | | | | | | | | | | | | Pass | $ | 59 | | | $ | 1,744 | | | $ | 1,060 | | | $ | 907 | | | $ | 787 | | | $ | 595 | | | $ | 29,856 | | | $ | — | | | $ | 35,008 | | Special Mention | — | | | — | | | — | | | — | | | — | | | — | | | — | | | — | | | — | | Substandard | — | | | — | | | — | | | — | | | 19 | | | (12) | | | 426 | | | — | | | 433 | | Doubtful/Loss | — | | | — | | | — | | | — | | | — | | | — | | | — | | | — | | | — | | Total agriculture production loans | $ | 59 | | | $ | 1,744 | | | $ | 1,060 | | | $ | 907 | | | $ | 806 | | | $ | 583 | | | $ | 30,282 | | | $ | — | | | $ | 35,441 | |
| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | Leases: | | | | | | | | | | | | | | | | | | Lease risk ratings | | | | | | | | | | | | | | | | | | Pass | $ | 1,763 | | | $ | — | | | $ | — | | | $ | — | | | $ | — | | | $ | — | | | $ | — | | | $ | — | | | $1,763 | Special Mention | — | | | — | | | — | | | — | | | — | | | — | | | — | | | — | | | — | | Substandard | — | | | — | | | — | | | — | | | — | | | — | | | — | | | — | | | — | | Doubtful/Loss | — | | | — | | | — | | | — | | | — | | | — | | | — | | | — | | — | | Total leases | $ | 1,763 | | | $ | — | | | $ | — | | | $ | — | | | $ | — | | | $ | — | | | $ | — | | | $ | — | | | $ | 1,763 | |
| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | Total loans outstanding: | | | | | | | | | | | | | | | | | | Risk ratings | | | | | | | | | | | | | | | | | | Pass | $ | 730,747 | | | $ | 676,438 | | | $ | 563,607 | | | $ | 561,982 | | | $ | 461,322 | | | $ | 1,103,041 | | | $ | 577,233 | | | $ | 24,023 | | | $ | 4,698,393 | | Special Mention | 91 | | | 1,662 | | | 368 | | | 9,240 | | | 15,972 | | | 13,276 | | | 19,958 | | | 1,316 | | | 61,883 | Substandard | — | | | 2,436 | | | 2,186 | | | 4,700 | | | 5,320 | | | 14,789 | | | 8,911 | | | 2,787 | | | 41,129 | Doubtful/Loss | — | | | — | | | — | | | — | | | — | | | — | | | — | | | — | | | — | | Total loans outstanding | $ | 730,838 | | | $ | 680,536 | | | $ | 566,161 | | | $ | 575,922 | | | $ | 482,614 | | | $ | 1,131,106 | | | $ | 606,102 | | | $ | 28,126 | | | $ | 4,801,405 | |
| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | Term Loans Amortized Cost Basis by Origination Year – As of December 31, 2019 | | | | | | | | | | | | | | | | (in thousands) | | 2019 | | 2018 | | 2017 | | 2016 | | Prior | | Revolving Loans Amortized Cost Basis | | Revolving Loans Converted to Term | | Total | Commercial real estate: | | | | | | | | | | | | | | | | | CRE non-owner occupied risk ratings | | | | | | | | | | | | | | | | | Pass | | $ | 253,321 | | | $ | 174,869 | | | $ | 287,183 | | | $ | 221,864 | | | $ | 578,255 | | | $ | 77,070 | | | $ | — | | | $ | 1,592,562 | | Special Mention | | — | | | — | | | 3,182 | | | 8,401 | | | 616 | | | — | | | — | | | 12,199 | Substandard | | — | | | 1,183 | | | 474 | | | — | | | 3,138 | | | — | | | — | | | 4,795 | Doubtful/Loss | | — | | | — | | | — | | | — | | | — | | | — | | | — | | | $0 | Total CRE non-owner occupied risk ratings | | $ | 253,321 | | | $ | 176,052 | | | $ | 290,839 | | | $ | 230,265 | | | $ | 582,009 | | | $ | 77,070 | | | $ | — | | | $ | 1,609,556 | |
| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | Commercial real estate: | | | | | | | | | | | | | | | | | CRE owner occupied risk ratings | | | | | | | | | | | | | | | | | Pass | | $ | 57,376 | | | $ | 54,298 | | | $ | 73,019 | | | $ | 69,136 | | | $ | 263,750 | | | $ | 18,524 | | | $ | — | | | $ | 536,103 | | Special Mention | | — | | | — | | | 437 | | | 745 | | | 3,459 | | | — | | | — | | | 4,641 | | Substandard | | 601 | | | — | | | 493 | | | 726 | | | 3,870 | | | — | | | — | | | 5,690 | | Doubtful/Loss | | — | | | — | | | — | | | — | | | — | | | — | | | — | | | — | | Total CRE owner occupied risk ratings | | $ | 57,977 | | | $ | 54,298 | | | $ | 73,949 | | | $ | 70,607 | | | $ | 271,079 | | | $ | 18,524 | | | $ | — | | | $ | 546,434 | |
| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | Commercial real estate: | | | | | | | | | | | | | | | | | Multifamily risk ratings | | | | | | | | | | | | | | | | | Pass | | $ | 82,435 | | | $ | 112,739 | | | $ | 41,673 | | | $ | 99,170 | | | $ | 141,040 | | | $ | 36,061 | | | $ | — | | | $ | 513,118 | | Special Mention | | — | | | — | | | — | | | — | | | 1,103 | | | 1,480 | | | — | | | 2,583 | | Substandard | | — | | | — | | | — | | | 2,024 | | | — | | | — | | | — | | | 2,024 | | Doubtful/Loss | | — | | | — | | | — | | | — | | | — | | | — | | | — | | | — | | Total multifamily loans | | $ | 82,435 | | | $ | 112,739 | | | $ | 41,673 | | | $ | 101,194 | | | $ | 142,143 | | | $ | 37,541 | | | $ | — | | | $ | 517,725 | |
| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | Term Loans Amortized Cost Basis by Origination Year – As of December 31, 2019 | | | | | | | | | | | | | | | | (in thousands) | | 2019 | | 2018 | | 2017 | | 2016 | | Prior | | Revolving Loans Amortized Cost Basis | | Revolving Loans Converted to Term | | Total | Commercial real estate: | | | | | | | | | | | | | | | | | Farmland risk ratings | | | | | | | | | | | | | | | | | Pass | | $ | 26,786 | | | $ | 21,212 | | | $ | 12,248 | | | $ | 9,618 | | | $ | 22,471 | | | $ | 41,783 | | | $ | — | | | $ | 134,118 | | Special Mention | | — | | | — | | | 1,346 | | | 226 | | | 3,289 | | | 774 | | | — | | | 5,635 | | Substandard | | — | | | — | | | 624 | | | 466 | | | 2,929 | | | 1,295 | | | — | | | 5,314 | | Doubtful/Loss | | — | | | — | | | — | | | — | | | — | | | — | | | — | | | — | | Total farmland loans | | $ | 26,786 | | | $ | 21,212 | | | $ | 14,218 | | | $ | 10,310 | | | $ | 28,689 | | | $ | 43,852 | | | $ | — | | | $ | 145,067 | |
| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | Consumer loans: | | | | | | | | | | | | | | | | | SFR 1-4 1st DT liens risk ratings | | | | | | | | | | | | | | | | | Pass | | $ | 102,612 | | | $ | 63,542 | | | $ | 73,195 | | | $ | 65,051 | | | $ | 187,972 | | | $ | — | | | $ | 6,242 | | | $ | 498,614 | | Special Mention | | — | | | — | | | 1,408 | | | 19 | | | 2,564 | | | — | | | 723 | | | 4,714 | | Substandard | | — | | | 813 | | | 711 | | | 52 | | | 4,050 | | | — | | | 554 | | | 6,180 | | Doubtful/Loss | | — | | | — | | | — | | | — | | | — | | | — | | | — | | | — | | Total SFR 1st DT liens | | $ | 102,612 | | | $ | 64,355 | | | $ | 75,314 | | | $ | 65,122 | | | $ | 194,586 | | | $ | — | | | $ | 7,519 | | | $ | 509,508 | |
| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | Consumer loans: | | | | | | | | | | | | | | | | | SFR HELOCs and Junior Liens | | | | | | | | | | | | | | | | | Pass | | $ | 1,412 | | | $ | 14 | | | $ | 382 | | | $ | 403 | | | $ | 2,077 | | | $ | 327,589 | | | $ | 19,531 | | | $ | 351,408 | | Special Mention | | — | | | 20 | | | — | | | — | | | 4 | | | 4,189 | | | 1,169 | | | 5,382 | | Substandard | | — | | | — | | | — | | | 156 | | | 14 | | | 4,208 | | | 1,718 | | | 6,096 | | Doubtful/Loss | | — | | | — | | | — | | | — | | | — | | | — | | | — | | | — | | Total SFR HELOCs and Junior Liens | | $ | 1,412 | | | $ | 34 | | | $ | 382 | | | $ | 559 | | | $ | 2,095 | | | $ | 335,986 | | | $ | 22,418 | | | $ | 362,886 | |
| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | Term Loans Amortized Cost Basis by Origination Year – As of December 31, 2019 | | | | | | | | | | | | | | | | (in thousands) | | 2019 | | 2018 | | 2017 | | 2016 | | Prior | | Revolving Loans Amortized Cost Basis | | Revolving Loans Converted to Term | | Total | Consumer loans: | | | | | | | | | | | | | | | | | Other risk ratings | | | | | | | | | | | | | | | | | Pass | | $ | 45,876 | | | $ | 23,045 | | | $ | 7,176 | | | $ | 2,245 | | | $ | 2,071 | | | $ | 1,402 | | | $ | — | | | $ | 81,815 | | Special Mention | | 56 | | | 182 | | | 176 | | | 52 | | | 161 | | | 91 | | | — | | | 718 | | Substandard | | 60 | | | — | | | 13 | | | — | | | 35 | | | 15 | | | — | | | 123 | | Doubtful/Loss | | — | | | — | | | — | | | — | | | — | | | — | | | — | | | — | | Total other consumer loans | | $ | 45,992 | | | $ | 23,227 | | | $ | 7,365 | | | $ | 2,297 | | | $ | 2,267 | | | $ | 1,508 | | | $ | — | | | $ | 82,656 | |
| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | Commercial and industrial loans: | | | | | | | | | | | | | | | | | Commercial and industrial risk ratings | | | | | | | | | | | | | | | | | Pass | | $ | 61,720 | | | $ | 31,149 | | | $ | 24,176 | | | $ | 10,747 | | | $ | 16,346 | | | $ | 96,654 | | | $ | 973 | | | $ | 241,765 | | Special Mention | | — | | | 339 | | | 1,141 | | | 151 | | | 164 | | | 1,921 | | | 110 | | | 3,826 | | Substandard | | — | | | 47 | | | 1,281 | | | 1,571 | | | 401 | | | 814 | | | 86 | | | 4,200 | | Doubtful/Loss | | — | | | — | | | — | | | — | | | — | | | — | | | — | | | — | | Total commercial and industrial loans | | $ | 61,720 | | | $ | 31,535 | | | $ | 26,598 | | | $ | 12,469 | | | $ | 16,911 | | | $ | 99,389 | | | $ | 1,169 | | | $ | 249,791 | |
| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | Construction loans: | | | | | | | | | | | | | | | | Construction risk ratings | | | | | | | | | | | | | | | | Pass | $ | 50,275 | | | $ | 92,449 | | | $ | 76,042 | | | $ | 18,973 | | | $ | 7,322 | | | $ | — | | | $ | — | | | $ | 245,061 | | Special Mention | — | | | — | | | — | | | 4,202 | | | 317 | | | — | | | — | | | 4,519 | | Substandard | — | | | — | | | — | | | — | | | 247 | | | — | | | — | | | 247 | | Doubtful/Loss | — | | | — | | | — | | | — | | | — | | | — | | | — | | | — | | Total construction loans | $ | 50,275 | | | $ | 92,449 | | | $ | 76,042 | | | $ | 23,175 | | | $ | 7,886 | | | $ | — | | | $ | — | | | $ | 249,827 | |
| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | Term Loans Amortized Cost Basis by Origination Year – As of December 31, 2019 | | | | | | | | | | | | | | | | (in thousands) | | 2019 | | 2018 | | 2017 | | 2016 | | Prior | | Revolving Loans Amortized Cost Basis | | Revolving Loans Converted to Term | | Total | Agriculture production risk ratings | | | | | | | | | | | | | | | | | Pass | | $ | 1,929 | | | $ | 1,201 | | | $ | 1,324 | | | $ | 1,012 | | | $ | 834 | | | $ | 26,306 | | | $ | — | | | $ | 32,606 | | Special Mention | | — | | | — | | | — | | | — | | | — | | | — | | | — | | | — | | Substandard | | — | | | — | | | — | | | 27 | | | — | | | — | | | — | | | 27 | | Doubtful/Loss | | — | | | — | | | — | | | — | | | — | | | — | | | — | | | — | | Total agriculture production loans | | $ | 1,929 | | | $ | 1,201 | | | $ | 1,324 | | | $ | 1,039 | | | $ | 834 | | | $ | 26,306 | | | $ | — | | | $ | 32,633 | |
| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | Leases: | | | | | | | | | | | | | | | | Lease risk ratings | | | | | | | | | | | | | | | | Pass | $ | 1,283 | | | $ | — | | | $ | — | | | $ | — | | | $ | — | | | $ | — | | | $ | — | | | $ | 1,283 | | Special Mention | — | | | — | | | — | | | — | | | — | | | — | | | — | | | — | | Substandard | — | | | — | | | — | | | — | | | — | | | — | | | — | | | — | | Doubtful/Loss | — | | | — | | | — | | | — | | | — | | | — | | | — | | | — | | Total leases | $ | 1,283 | | | $ | — | | | $ | — | | | $ | — | | | $ | — | | | $ | — | | | $ | — | | | $ | 1,283 | |
| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | Total loans outstanding: | | | | | | | | | | | | | | | | Risk ratings | | | | | | | | | | | | | | | | Pass | $ | 685,025 | | | $ | 574,518 | | | $ | 596,418 | | | $ | 498,219 | | | $ | 1,222,138 | | | $ | 625,389 | | | $ | 26,746 | | | $ | 4,228,453 | | Special Mention | 56 | | | 541 | | | 7,690 | | | 13,796 | | | 11,677 | | | 8,455 | | | 2,002 | | | 44,217 | | Substandard | 661 | | | 2,043 | | | 3,596 | | | 5,022 | | | 14,684 | | | 6,332 | | | 2,358 | | | 34,696 | | Doubtful/Loss | — | | | — | | | — | | | — | | | — | | | — | | | — | | | — | | Total loans outstanding | $ | 685,742 | | | $ | 577,102 | | | $ | 607,704 | | | $ | 517,037 | | | $ | 1,248,499 | | | $ | 640,176 | | | $ | 31,106 | | | $ | 4,307,366 | |
|
Analysis of Past Due Loans |
The following table shows the ending balance of current and past due originated loans by loan category as of the date indicated:
| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | Analysis of Past Due Loans - As of June 30, 2020 | | | | | | | | | | | (in thousands) | 30-59 days | | 60-89 days | | > 90 days | | Total Past Due Loans | | Current | | Total | Commercial real estate: | | | | | | | | | | | | CRE non-owner occupied | $ | 2,589 | | | $ | 667 | | | $ | 113 | | | $ | 3,369 | | | $ | 1,593,572 | | | $ | 1,596,941 | | CRE owner occupied | 954 | | | 1,188 | | | 387 | | | 2,529 | | | 577,274 | | | 579,803 | | Multifamily | — | | | — | | | 2,024 | | | 2,024 | | | 575,193 | | | 577,217 | | Farmland | 180 | | | — | | | — | | | 180 | | | 151,344 | | | 151,524 | | Total commercial real estate loans | 3,723 | | | 1,855 | | | 2,524 | | | 8,102 | | | 2,897,383 | | | 2,905,485 | | Consumer: | | | | | | | | | | | | SFR 1-4 1st DT liens | — | | | 1,046 | | | 2,270 | | | 3,316 | | | 502,753 | | | 506,069 | | SFR HELOCs and junior liens | 125 | | | 453 | | | 2,249 | | | 2,827 | | | 355,260 | | | 358,087 | | Other | 85 | | | 229 | | | 80 | | | 394 | | | 81,119 | | | 81,513 | | Total consumer loans | 210 | | | 1,728 | | | 4,599 | | | 6,537 | | | 939,132 | | | 945,669 | | Commercial and industrial | 751 | | | 767 | | | 181 | | | 1,699 | | | 632,782 | | | 634,481 | | Construction | 19 | | | — | | | — | | | 19 | | | 278,547 | | | 278,566 | | Agriculture production | 115 | | | — | | | 150 | | | 265 | | | 35,176 | | | 35,441 | | Leases | — | | | — | | | — | | | — | | | 1,763 | | | 1,763 | | Total | $ | 4,818 | | | $ | 4,350 | | | $ | 7,454 | | | $ | 16,622 | | | $ | 4,784,783 | | | $ | 4,801,405 | |
The following table shows the ending balance of current and past due originated loans by loan category as of the date indicated: | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | Analysis of Past Due Loans - As of December 31, 2019 | | | | | | | | | | | (in thousands) | 30-59 days | | 60-89 days | | > 90 days | | Total Past Due Loans | | Current | | Total | Commercial real estate: | | | | | | | | | | | | CRE non-owner occupied | $ | 268 | | | $ | 136 | | | $ | 114 | | | $ | 518 | | | $ | 1,609,038 | | | $ | 1,609,556 | | CRE owner occupied | — | | | | | 293 | | | 293 | | | 546,141 | | | 546,434 | | Multifamily | 283 | | | — | | | 2,024 | | | 2,307 | | | 515,418 | | | 517,725 | | Farmland | 30 | | 0 | | 0 | | 30 | | 145,037 | | 145,067 | Total commercial real estate loans | 581 | | | 136 | | | 2,431 | | | 3,148 | | | 2,815,634 | | | 2,818,782 | | Consumer: | | | | | | | | | | | | SFR 1-4 1st DT liens | 1,149 | | | 371 | | | 1,957 | | | 3,477 | | | 506,031 | | | 509,508 | | SFR HELOCs and junior liens | 1,258 | | | 580 | | | 1,088 | | | 2,926 | | | 359,960 | | | 362,886 | | Other | 172 | | | 1 | | | 23 | | | 196 | | | 82,460 | | | 82,656 | | Total consumer loans | 2,579 | | 952 | | 3,068 | | 6,599 | | 948,451 | | 955,050 | Commercial and industrial | 603 | | | 297 | | | 24 | | | 924 | | | 248,867 | | | 249,791 | | Construction | — | | | — | | | — | | | — | | | 249,827 | | | 249,827 | | Agriculture production | 49 | | | — | | | — | | | 49 | | | 32,584 | | | 32,633 | | Leases | — | | | — | | | — | | | — | | | 1,283 | | | 1,283 | | Total | $ | 3,812 | | | $ | 1,385 | | | $ | 5,523 | | | $ | 10,720 | | | $ | 4,296,646 | | | $ | 4,307,366 | |
|