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Past Due Loans, Allowance For Credit Losses, Impaired Loans and TDRS (Tables)
 6 Months Ended
Jun. 30, 2015
Accounts, Notes, Loans and Financing Receivable, Gross, Allowance, and Net [Abstract]  
Past Due Financing Receivables
The following table presents an aging analysis of the Company's past due loans as of June 30, 2015 and December 31, 2014. The aging is determined without regard to accrual status. The table also presents non-performing loans, consisting of non-accrual loans (the majority of which are past due) and loans 90 days or more past due and still accruing interest, as of each balance sheet date.
Aging Analysis of Past Due Loans and Non-performing Loans by Class
(Dollar amounts in thousands)
 
 
Aging Analysis (Accruing and Non-accrual)
 
 
Non-performing Loans
 
 
Current
 
30-89 Days
Past Due
 
90 Days or
More Past
Due
 
Total
Past Due
 
Total
Loans
 
 
Non-
accrual
Loans
 
90 Days Past Due Loans, Still Accruing Interest
As of June 30, 2015
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Commercial and industrial
 
$
2,352,035

 
$
5,545

 
$
8,476

 
$
14,021

 
$
2,366,056

 
 
$
11,100

 
$
264

Agricultural
 
376,880

 
239

 
291

 
530

 
377,410

 
 
317

 
—

Commercial real estate:
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Office, retail, and industrial
 
1,408,893

 
12,875

 
10,734

 
23,609

 
1,432,502

 
 
12,599

 
797

Multi-family
 
552,285

 
4,718

 
944

 
5,662

 
557,947

 
 
1,287

 
475

Construction
 
186,871

 
—

 
4,099

 
4,099

 
190,970

 
 
4,940

 
—

Other commercial real estate
 
861,674

 
4,190

 
5,255

 
9,445

 
871,119

 
 
5,513

 
646

Total commercial real
  estate
 
3,009,723

 
21,783

 
21,032

 
42,815

 
3,052,538

 
 
24,339

 
1,918

Total corporate loans
 
5,738,638

 
27,567

 
29,799

 
57,366

 
5,796,004

 
 
35,756

 
2,182

Home equity
 
592,731

 
3,269

 
3,320

 
6,589

 
599,320

 
 
5,242

 
250

1-4 family mortgages
 
279,706

 
1,810

 
2,046

 
3,856

 
283,562

 
 
4,011

 
220

Installment
 
112,728

 
562

 
92

 
654

 
113,382

 
 
—

 
92

Total consumer loans
 
985,165

 
5,641

 
5,458

 
11,099

 
996,264

 
 
9,253

 
562

Total loans, excluding
  covered loans
 
6,723,803

 
33,208

 
35,257

 
68,465

 
6,792,268

 
 
45,009

 
2,744

Covered loans
 
53,185

 
465

 
4,267

 
4,732

 
57,917

 
 
3,712

 
1,233

Total loans
 
$
6,776,988

 
$
33,673

 
$
39,524

 
$
73,197

 
$
6,850,185

 
 
$
48,721

 
$
3,977

As of December 31, 2014
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Commercial and industrial
 
$
2,230,947

 
$
19,505

 
$
3,104

 
$
22,609

 
$
2,253,556

 
 
$
22,693

 
$
205

Agricultural
 
355,982

 
1,934

 
333

 
2,267

 
358,249

 
 
360

 
—

Commercial real estate:
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Office, retail, and industrial
 
1,463,724

 
2,340

 
12,315

 
14,655

 
1,478,379

 
 
12,939

 
76

Multi-family
 
562,625

 
1,261

 
535

 
1,796

 
564,421

 
 
754

 
83

Construction
 
197,255

 
—

 
6,981

 
6,981

 
204,236

 
 
6,981

 
—

Other commercial real estate
 
876,609

 
5,412

 
5,876

 
11,288

 
887,897

 
 
6,970

 
438

Total commercial real
  estate
 
3,100,213

 
9,013

 
25,707

 
34,720

 
3,134,933

 
 
27,644

 
597

Total corporate loans
 
5,687,142

 
30,452

 
29,144

 
59,596

 
5,746,738

 
 
50,697

 
802

Home equity
 
535,587

 
3,216

 
4,382

 
7,598

 
543,185

 
 
6,290

 
145

1-4 family mortgages
 
287,892

 
2,246

 
1,325

 
3,571

 
291,463

 
 
2,941

 
166

Installment
 
75,428

 
506

 
98

 
604

 
76,032

 
 
43

 
60

Total consumer loans
 
898,907

 
5,968

 
5,805

 
11,773

 
910,680

 
 
9,274

 
371

Total loans, excluding
  covered loans
 
6,586,049

 
36,420

 
34,949

 
71,369

 
6,657,418

 
 
59,971

 
1,173

Covered loans
 
66,331

 
2,714

 
10,390

 
13,104

 
79,435

 
 
6,186

 
5,002

Total loans
 
$
6,652,380

 
$
39,134

 
$
45,339

 
$
84,473

 
$
6,736,853

 
 
$
66,157

 
$
6,175
Allowance for Credit Losses on Financing Receivables
A rollforward of the allowance for credit losses by portfolio segment for the quarters and six months ended June 30, 2015 and 2014 is presented in the table below.
Allowance for Credit Losses by Portfolio Segment
(Dollar amounts in thousands)
 
 
Commercial,
Industrial,
and
Agricultural
 
Office,
Retail, and
Industrial
 
Multi-
Family
 
Construction
 
Other
Commercial
Real Estate
 
Consumer
 
Covered
Loans
 
Reserve for
Unfunded
Commitments
 
Total
Allowance
Quarter ended June 30, 2015
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Beginning balance
 
$
32,096

 
$
10,831

 
$
2,355

 
$
2,076

 
$
6,298

 
$
11,655

 
$
5,679

 
$
1,816

 
$
72,806

Charge-offs
 
(4,127
)
 
(1,894
)
 
(469
)
 
(15
)
 
(527
)
 
(751
)
 
(323
)
 
—

 
(8,106
)
Recoveries
 
854

 
32

 
3

 
203

 
1,130

 
319

 
38

 
—

 
2,579

Net charge-offs
 
(3,273
)
 
(1,862
)
 
(466
)
 
188

 
603

 
(432
)
 
(285
)
 
—

 
(5,527
)
Provision for loan
  and covered loan
  losses and other
 
4,906

 
2,376

 
562

 
(374
)
 
(534
)
 
(403
)
 
(533
)
 
—

 
6,000

Ending balance
 
$
33,729

 
$
11,345

 
$
2,451

 
$
1,890

 
$
6,367

 
$
10,820

 
$
4,861

 
$
1,816

 
$
73,279

Quarter ended June 30, 2014
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Beginning balance
 
$
27,292

 
$
13,106

 
$
1,968

 
$
5,656

 
$
9,236

 
$
11,945

 
$
11,429

 
$
1,616

 
$
82,248

Charge-offs
 
(2,099
)
 
(3,511
)
 
(267
)
 
(234
)
 
(561
)
 
(1,828
)
 
(279
)
 
—

 
(8,779
)
Recoveries
 
259

 
290

 
2

 
2

 
89

 
213

 
277

 
—

 
1,132

Net charge-offs
 
(1,840
)
 
(3,221
)
 
(265
)
 
(232
)
 
(472
)
 
(1,615
)
 
(2
)
 
—

 
(7,647
)
Provision for loan
  and covered loan
  losses and other
 
3,742

 
1,946

 
345

 
(539
)
 
(179
)
 
2,110

 
(2,084
)
 
—

 
5,341

Ending balance
 
$
29,194

 
$
11,831

 
$
2,048

 
$
4,885

 
$
8,585

 
$
12,440

 
$
9,343

 
$
1,616

 
$
79,942

Six months ended June 30, 2015
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Beginning balance
 
$
29,458

 
$
10,992

 
$
2,249

 
$
2,297

 
$
8,327

 
$
12,145

 
$
7,226

 
$
1,816

 
$
74,510

Charge-offs
 
(11,576
)
 
(2,050
)
 
(497
)
 
(15
)
 
(1,844
)
 
(1,551
)
 
(626
)
 
—

 
(18,159
)
Recoveries
 
1,646

 
354

 
7

 
220

 
1,396

 
640

 
113

 
—

 
4,376

Net charge-offs
 
(9,930
)
 
(1,696
)
 
(490
)
 
205

 
(448
)
 
(911
)
 
(513
)
 
—

 
(13,783
)
Provision for loan
  and covered loan
  losses and other
 
14,201

 
2,049

 
692

 
(612
)
 
(1,512
)
 
(414
)
 
(1,852
)
 
—

 
12,552

Ending balance
 
$
33,729

 
$
11,345

 
$
2,451

 
$
1,890

 
$
6,367

 
$
10,820

 
$
4,861

 
$
1,816

 
$
73,279

Six months ended June 30, 2014
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Beginning balance
 
$
30,381

 
$
10,405

 
$
2,017

 
$
6,316

 
$
10,817

 
$
13,010

 
$
12,559

 
$
1,616

 
$
87,121

Charge-offs
 
(5,779
)
 
(4,594
)
 
(357
)
 
(895
)
 
(2,332
)
 
(3,856
)
 
(524
)
 
—

 
(18,337
)
Recoveries
 
2,419

 
348

 
3

 
160

 
233

 
351

 
862

 
—

 
4,376

Net charge-offs
 
(3,360
)
 
(4,246
)
 
(354
)
 
(735
)
 
(2,099
)
 
(3,505
)
 
338

 
—

 
(13,961
)
Provision for loan
  and covered loan
  losses and other
 
2,173

 
5,672

 
385

 
(696
)
 
(133
)
 
2,935

 
(3,554
)
 
—

 
6,782

Ending balance
 
$
29,194

 
$
11,831

 
$
2,048

 
$
4,885

 
$
8,585

 
$
12,440

 
$
9,343

 
$
1,616

 
$
79,942
Schedule of Loans and The Related Allowance For Credit Losses
The table below provides a breakdown of loans and the related allowance for credit losses by portfolio segment as of June 30, 2015 and December 31, 2014.
Loans and Related Allowance for Credit Losses by Portfolio Segment
(Dollar amounts in thousands)
 
 
Loans
 
Allowance for Credit Losses
 
 
Individually
Evaluated
for
Impairment
 
Collectively
Evaluated
for
Impairment
 
PCI
 
Total
 
Individually
Evaluated
for
Impairment
 
Collectively
Evaluated
for
Impairment
 
PCI
 
Total
As of June 30, 2015
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Commercial, industrial, and
  agricultural
 
$
8,455

 
$
2,731,593

 
$
3,418

 
$
2,743,466

 
$
1,886

 
$
31,588

 
$
255

 
$
33,729

Commercial real estate:
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Office, retail, and industrial
 
11,705

 
1,415,680

 
5,117

 
1,432,502

 
505

 
10,840

 
—

 
11,345

Multi-family
 
1,048

 
554,500

 
2,399

 
557,947

 
—

 
2,445

 
6

 
2,451

Construction
 
4,118

 
183,094

 
3,758

 
190,970

 
6

 
1,590

 
294

 
1,890

Other commercial real estate
 
2,907

 
861,863

 
6,349

 
871,119

 
56

 
6,064

 
247

 
6,367

Total commercial real estate
 
19,778

 
3,015,137

 
17,623

 
3,052,538

 
567

 
20,939

 
547

 
22,053

Total corporate loans
 
28,233

 
5,746,730

 
21,041

 
5,796,004

 
2,453

 
52,527

 
802

 
55,782

Consumer
 
—

 
986,410

 
9,854

 
996,264

 
—

 
10,693

 
127

 
10,820

Total loans, excluding
  covered loans
 
28,233

 
6,733,140

 
30,895

 
6,792,268

 
2,453

 
63,220

 
929

 
66,602

Covered loans
 
—

 
22,801

 
35,116

 
57,917

 
—

 
352

 
4,509

 
4,861

Reserve for unfunded
  commitments
 
—

 
—

 
—

 
—

 
—

 
1,816

 
—

 
1,816

Total loans
 
$
28,233

 
$
6,755,941

 
$
66,011

 
$
6,850,185

 
$
2,453

 
$
65,388

 
$
5,438

 
$
73,279

As of December 31, 2014
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Commercial, industrial, and
  agricultural
 
$
19,796

 
$
2,588,141

 
$
3,868

 
$
2,611,805

 
$
2,249

 
$
27,209

 
$
—

 
$
29,458

Commercial real estate:
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Office, retail, and industrial
 
12,332

 
1,458,918

 
7,129

 
1,478,379

 
271

 
10,721

 
—

 
10,992

Multi-family
 
939

 
561,400

 
2,082

 
564,421

 
—

 
2,249

 
—

 
2,249

Construction
 
6,671

 
195,094

 
2,471

 
204,236

 
—

 
2,297

 
—

 
2,297

Other commercial real estate
 
3,266

 
880,087

 
4,544

 
887,897

 
11

 
8,316

 
—

 
8,327

Total commercial real estate
 
23,208

 
3,095,499

 
16,226

 
3,134,933

 
282

 
23,583

 
—

 
23,865

Total corporate loans
 
43,004

 
5,683,640

 
20,094

 
5,746,738

 
2,531

 
50,792

 
—

 
53,323

Consumer
 
—

 
902,062

 
8,618

 
910,680

 
—

 
11,822

 
323

 
12,145

Total loans, excluding
  covered loans
 
43,004

 
6,585,702

 
28,712

 
6,657,418

 
2,531

 
62,614

 
323

 
65,468

Covered loans
 
—

 
24,753

 
54,682

 
79,435

 
—

 
488

 
6,738

 
7,226

Reserve for unfunded
  commitments
 
—

 
—

 
—

 
—

 
—

 
1,816

 
—

 
1,816

Total loans
 
$
43,004

 
$
6,610,455

 
$
83,394

 
$
6,736,853

 
$
2,531

 
$
64,918

 
$
7,061

 
$
74,510
Impaired Financing Receivables
The following table presents loans individually evaluated for impairment by class of loan as of June 30, 2015 and December 31, 2014. PCI loans are excluded from this disclosure.
Impaired Loans Individually Evaluated by Class
(Dollar amounts in thousands)
 
 
As of June 30, 2015
 
 
As of December 31, 2014
 
 
Recorded Investment In
 
 
 
 
Recorded Investment In
 
 
 
 
Loans with
No Specific
Reserve
 
Loans with
a Specific
Reserve
 
Unpaid
Principal
Balance
 
Specific
Reserve
 
 
Loans with
No Specific
Reserve
 
Loans with
a Specific
Reserve
 
Unpaid
Principal
Balance
 
Specific
Reserve
Commercial and industrial
 
$
1,930

 
$
6,525

 
$
15,529

 
$
1,886

 
 
$
666

 
$
19,130

 
$
35,457

 
$
2,249

Agricultural
 
—

 
—

 
—

 
—

 
 
—

 
—

 
—

 
—

Commercial real estate:
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Office, retail, and industrial
 
10,197

 
1,508

 
19,211

 
505

 
 
9,623

 
2,709

 
18,340

 
271

Multi-family
 
1,048

 
—

 
1,263

 
—

 
 
939

 
—

 
1,024

 
—

Construction
 
4,084

 
34

 
4,746

 
6

 
 
6,671

 
—

 
7,731

 
—

Other commercial real estate
 
2,600

 
307

 
3,194

 
56

 
 
2,752

 
514

 
4,490

 
11

Total commercial real estate
 
17,929

 
1,849

 
28,414

 
567

 
 
19,985

 
3,223

 
31,585

 
282

Total impaired loans
   individually evaluated
   for impairment
 
$
19,859

 
$
8,374

 
$
43,943

 
$
2,453

 
 
$
20,651

 
$
22,353

 
$
67,042

 
$
2,531
Impaired Financing Receivables Continued
The following table presents the average recorded investment and interest income recognized on impaired loans by class for the quarters and six months ended June 30, 2015 and 2014. PCI loans are excluded from this disclosure.
Average Recorded Investment and Interest Income Recognized on Impaired Loans by Class
(Dollar amounts in thousands)
 
 
Quarters Ended June 30,
 
 
2015
 
2014
 
 
Average
Recorded
Balance
 
Interest
Income
Recognized (1)
 
Average
Recorded
Balance
 
Interest
Income
Recognized (1)
Commercial and industrial
 
$
9,277

 
$
6

 
$
14,581

 
$
29

Agricultural
 
—

 
—

 
—

 
—

Commercial real estate:
 
 
 
 
 
 
 
 

Office, retail, and industrial
 
11,188

 
4

 
20,098

 
6

Multi-family
 
866

 
1

 
1,424

 
2

Construction
 
5,395

 
—

 
4,788

 
—

Other commercial real estate
 
2,822

 
8

 
6,393

 
107

Total commercial real estate
 
20,271

 
13

 
32,703

 
115

Total impaired loans
 
$
29,548

 
$
19

 
$
47,284

 
$
144

 
 
 
 
 
 
 
 
 
 
 
Six Months Ended June 30,
 
 
2015
 
2014
 
 
Average
Recorded
Investment
 
Interest
Income
Recognized (1)
 
Average
Recorded
Investment
 
Interest
Income
Recognized (1)
Commercial and industrial
 
$
12,783

 
$
76

 
$
14,113

 
$
147

Agricultural
 
—

 
—

 
—

 
—

Commercial real estate:
 
 
 
 
 
 
 
 
Office, retail, and industrial
 
11,570

 
33

 
22,181

 
147

Multi-family
 
890

 
1

 
1,381

 
2

Construction
 
5,820

 
—

 
5,096

 
—

Other commercial real estate
 
2,970

 
19

 
7,361

 
115

Total commercial real estate
 
21,250

 
53

 
36,019

 
264

Total impaired loans
 
$
34,033

 
$
129

 
$
50,132

 
$
411


(1) 
Recorded using the cash basis of accounting.
Financing Receivable Credit Quality Indicators
The following tables present credit quality indicators by class for corporate and consumer loans, excluding covered loans, as of June 30, 2015 and December 31, 2014.
Corporate Credit Quality Indicators by Class, Excluding Covered Loans
(Dollar amounts in thousands
 
 
Pass
 
Special
 Mention (1) (4)
 
Substandard (2) (4)
 
Non-accrual (3)
 
Total
As of June 30, 2015
 
 
 
 
 
 
 
 
 
 
Commercial and industrial
 
$
2,252,735

 
$
62,191

 
$
40,030

 
$
11,100

 
$
2,366,056

Agricultural
 
371,699

 
5,142

 
252

 
317

 
377,410

Commercial real estate:
 
 
 
 
 
 
 
 
 
 
Office, retail, and industrial
 
1,358,289

 
24,424

 
37,190

 
12,599

 
1,432,502

Multi-family
 
548,076

 
4,333

 
4,251

 
1,287

 
557,947

Construction
 
170,767

 
5,038

 
10,225

 
4,940

 
190,970

Other commercial real estate
 
827,237

 
29,760

 
8,609

 
5,513

 
871,119

Total commercial real estate
 
2,904,369

 
63,555

 
60,275

 
24,339

 
3,052,538

Total corporate loans
 
$
5,528,803

 
$
130,888

 
$
100,557

 
$
35,756

 
$
5,796,004

As of December 31, 2014
 
 
 
 
 
 
 
 
 
 
Commercial and industrial
 
$
2,115,170

 
$
84,615

 
$
31,078

 
$
22,693

 
$
2,253,556

Agricultural
 
357,595

 
294

 
—

 
360

 
358,249

Commercial real estate:
 
 
 
 
 
 
 
 
 
 
Office, retail, and industrial
 
1,393,885

 
38,891

 
32,664

 
12,939

 
1,478,379

Multi-family
 
553,255

 
6,363

 
4,049

 
754

 
564,421

Construction
 
178,992

 
5,776

 
12,487

 
6,981

 
204,236

Other commercial real estate
 
829,003

 
32,517

 
19,407

 
6,970

 
887,897

Total commercial real estate
 
2,955,135

 
83,547

 
68,607

 
27,644

 
3,134,933

Total corporate loans
 
$
5,427,900

 
$
168,456

 
$
99,685

 
$
50,697

 
$
5,746,738


(1) 
Loans categorized as special mention exhibit potential weaknesses that require the close attention of management since these potential weaknesses may result in the deterioration of repayment prospects in the future.
(2) 
Loans categorized as substandard exhibit a well-defined weakness or weaknesses that may jeopardize the liquidation of the debt. These loans continue to accrue interest because they are well secured and collection of principal and interest is expected within a reasonable time.
(3) 
Loans categorized as non-accrual exhibit a well-defined weakness or weaknesses that may jeopardize the liquidation of the debt or result in a loss if the deficiencies are not corrected.
(4) 
Total special mention and substandard loans includes accruing TDRs of $1.3 million as of June 30, 2015 and $1.8 million as of December 31, 2014.
Financing Receivable Credit Quality Indicators Continued
Consumer Credit Quality Indicators by Class, Excluding Covered Loans
(Dollar amounts in thousands)
 
 
Performing
 
Non-accrual
 
Total
As of June 30, 2015
 
 
 
 
 
 
Home equity
 
$
594,078

 
$
5,242

 
$
599,320

1-4 family mortgages
 
279,551

 
4,011

 
283,562

Installment
 
113,382

 
—

 
113,382

Total consumer loans
 
$
987,011

 
$
9,253

 
$
996,264

As of December 31, 2014
 
 
 
 
 
 
Home equity
 
$
536,895

 
$
6,290

 
$
543,185

1-4 family mortgages
 
288,522

 
2,941

 
291,463

Installment
 
75,989

 
43

 
76,032

Total consumer loans
 
$
901,406

 
$
9,274

 
$
910,680
Troubled Debt Restructuring by Class
The table below presents TDRs by class as of June 30, 2015 and December 31, 2014. See Note 1, "Summary of Significant Accounting Policies," for the accounting policy for TDRs.
TDRs by Class
(Dollar amounts in thousands)
 
 
As of June 30, 2015
 
As of December 31, 2014
 
 
Accruing
 
Non-accrual (1)
 
Total
 
Accruing
 
Non-accrual (1)
 
Total
Commercial and industrial
 
$
299

 
$
1,077

 
$
1,376

 
$
269

 
$
18,799

 
$
19,068

Agricultural
 
—

 
—

 
—

 
—

 
—

 
—

Commercial real estate:
 
 
 
 
 
 
 
 
 
 
 
 
Office, retail, and industrial
 
558

 
—

 
558

 
586

 
—

 
586

Multi-family
 
605

 
195

 
800

 
887

 
232

 
1,119

Construction
 
—

 
—

 
—

 
—

 
—

 
—

Other commercial real estate
 
350

 
—

 
350

 
433

 
183

 
616

Total commercial real estate
 
1,513

 
195

 
1,708

 
1,906

 
415

 
2,321

Total corporate loans
 
1,812

 
1,272

 
3,084

 
2,175

 
19,214

 
21,389

Home equity
 
390

 
692

 
1,082

 
651

 
506

 
1,157

1-4 family mortgages
 
865

 
106

 
971

 
878

 
184

 
1,062

Installment
 
—

 
—

 
—

 
—

 
—

 
—

Total consumer loans
 
1,255

 
798

 
2,053

 
1,529

 
690

 
2,219

Total loans
 
$
3,067

 
$
2,070

 
$
5,137

 
$
3,704

 
$
19,904

 
$
23,608


(1) 
These TDRs are included in non-accrual loans in the preceding tables.
Troubled Debt Restructuring Activity Rollforward
A rollforward of the carrying value of TDRs for the quarters and six months ended June 30, 2015 and 2014 is presented in the following table.
TDR Rollforward
(Dollar amounts in thousands)
 
 
Quarters Ended 
 June 30,
 
Six Months Ended 
 June 30,
 
 
2015
 
2014
 
2015
 
2014
Accruing
 
 
 
 
 
 
 
 
Beginning balance
 
$
3,581

 
$
6,301

 
$
3,704

 
$
23,770

Additions
 
—

 
75

 
—

 
75

Net payments received
 
(349
)
 
(650
)
 
(391
)
 
(1,110
)
Returned to performing status
 
—

 
—

 
—

 
(18,821
)
Net transfers from non-accrual
 
(165
)
 
(29
)
 
(246
)
 
1,783

Ending balance
 
3,067

 
5,697

 
3,067

 
5,697

Non-accrual
 
 
 
 
 
 
 
 
Beginning balance
 
1,996

 
1,920

 
19,904

 
4,083

Net payments received
 
(55
)
 
(23
)
 
(15,454
)
 
(157
)
Charge-offs
 
(36
)
 
(152
)
 
(2,626
)
 
(186
)
Transfers to OREO
 
—

 
(74
)
 
—

 
(257
)
Net transfers to accruing
 
165

 
29

 
246

 
(1,783
)
Ending balance
 
2,070

 
1,700

 
2,070

 
1,700

Total TDRs
 
$
5,137

 
$
7,397

 
$
5,137

 
$
7,397