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Past Due Loans, Allowance For Credit Losses, Impaired Loans, and TDRS
 6 Months Ended
Jun. 30, 2019
Accounts, Notes, Loans and Financing Receivable, Gross, Allowance, and Net [Abstract]  
Past Due Loans, Allowance For Credit Losses, Impaired Loans, and TDRS PAST DUE LOANS, ALLOWANCE FOR CREDIT LOSSES, IMPAIRED LOANS, AND TDRS
Past Due and Non-accrual Loans
The following table presents an aging analysis of the Company's past due loans as of June 30, 2019 and December 31, 2018. 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(1)
 
30-89 Days
Past Due
 
90 Days or
More Past
Due
 
Total
Past Due
 
Total
Loans
 
 
Non-
accrual
 
90 Days or More Past Due, Still Accruing Interest
As of June 30, 2019
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Commercial and industrial
 
$
4,499,340

 
$
15,147

 
$
9,914

 
$
25,061

 
$
4,524,401

 
 
$
19,809

 
$
1,469

Agricultural
 
423,157

 
5,561

 
1,871

 
7,432

 
430,589

 
 
6,712

 
—

Commercial real estate:
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Office, retail, and industrial
 
1,917,718

 
2,323

 
16,536

 
18,859

 
1,936,577

 
 
17,875

 
152

Multi-family
 
781,811

 
404

 
4,940

 
5,344

 
787,155

 
 
5,322

 
—

Construction
 
651,343

 
3,112

 
152

 
3,264

 
654,607

 
 
152

 
—

Other commercial real estate
 
1,438,249

 
7,840

 
1,584

 
9,424

 
1,447,673

 
 
3,982

 
98

Total commercial real estate
 
4,789,121

 
13,679

 
23,212

 
36,891

 
4,826,012

 
 
27,331

 
250

Total corporate loans
 
9,711,618

 
34,387

 
34,997

 
69,384

 
9,781,002

 
 
53,852

 
1,719

Home equity
 
866,924

 
5,243

 
2,519

 
7,762

 
874,686

 
 
5,839

 
13

1-4 family mortgages
 
1,385,737

 
4,397

 
1,680

 
6,077

 
1,391,814

 
 
3,786

 
—

Installment
 
470,907

 
312

 
883

 
1,195

 
472,102

 
 
—

 
883

Total consumer loans
 
2,723,568

 
9,952

 
5,082

 
15,034

 
2,738,602

 
 
9,625

 
896

Total loans
 
$
12,435,186

 
$
44,339

 
$
40,079

 
$
84,418

 
$
12,519,604

 
 
$
63,477

 
$
2,615

As of December 31, 2018
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Commercial and industrial
 
$
4,085,164

 
$
8,832

 
$
26,297

 
$
35,129

 
$
4,120,293

 
 
$
33,507

 
$
422

Agricultural
 
428,357

 
940

 
1,631

 
2,571

 
430,928

 
 
1,564

 
101

Commercial real estate:
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Office, retail, and industrial
 
1,803,059

 
8,209

 
9,649

 
17,858

 
1,820,917

 
 
6,510

 
4,081

Multi-family
 
759,402

 
1,487

 
3,296

 
4,783

 
764,185

 
 
3,107

 
189

Construction
 
645,774

 
3,419

 
144

 
3,563

 
649,337

 
 
144

 
—

Other commercial real estate
 
1,353,442

 
4,921

 
3,447

 
8,368

 
1,361,810

 
 
2,854

 
2,197

Total commercial real estate
 
4,561,677

 
18,036

 
16,536

 
34,572

 
4,596,249

 
 
12,615

 
6,467

Total corporate loans
 
9,075,198

 
27,808

 
44,464

 
72,272

 
9,147,470

 
 
47,686

 
6,990

Home equity
 
843,217

 
6,285

 
2,105

 
8,390

 
851,607

 
 
5,393

 
104

1-4 family mortgages
 
1,009,925

 
4,361

 
2,895

 
7,256

 
1,017,181

 
 
3,856

 
1,147

Installment
 
428,836

 
1,648

 
41

 
1,689

 
430,525

 
 
—

 
41

Total consumer loans
 
2,281,978

 
12,294

 
5,041

 
17,335

 
2,299,313

 
 
9,249

 
1,292

Total loans
 
$
11,357,176

 
$
40,102

 
$
49,505

 
$
89,607

 
$
11,446,783

 
 
$
56,935

 
$
8,282


(1) 
PCI loans with an accretable yield are considered current.
Allowance for Credit Losses
The Company maintains an allowance for credit losses at a level deemed adequate by management to absorb estimated losses inherent in the existing loan portfolio. See Note 1, "Summary of Significant Accounting Policies," for the accounting policy for the allowance for credit losses. A rollforward of the allowance for credit losses by portfolio segment for the quarters and six months ended June 30, 2019 and 2018 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
 
Reserve for
Unfunded
Commitments
 
Total
Allowance for Credit Losses
Quarter Ended June 30, 2019
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Beginning balance
 
$
64,685

 
$
7,679

 
$
2,216

 
$
2,131

 
$
4,930

 
$
21,938

 
$
1,200

 
$
104,779

Charge-offs
 
(6,516
)
 
(1,605
)
 
—

 
—

 
(329
)
 
(2,974
)
 
—

 
(11,424
)
Recoveries
 
1,258

 
151

 
—

 
10

 
45

 
619

 
—

 
2,083

Net charge-offs
 
(5,258
)
 
(1,454
)
 
—

 
10

 
(284
)
 
(2,355
)
 
—

 
(9,341
)
Provision for loan
  losses and other
 
6,937

 
1,270

 
(57
)
 
(279
)
 
351

 
3,269

 
—

 
11,491

Ending balance
 
$
66,364

 
$
7,495

 
$
2,159

 
$
1,862

 
$
4,997

 
$
22,852

 
$
1,200

 
$
106,929

Quarter Ended June 30, 2018
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Beginning balance
 
$
57,200

 
$
10,607

 
$
2,592

 
$
1,972

 
$
5,291

 
$
17,192

 
$
1,000

 
$
95,854

Charge-offs
 
(8,662
)
 
(305
)
 
(4
)
 
—

 
(1
)
 
(2,337
)
 
—

 
(11,309
)
Recoveries
 
753

 
26

 
—

 
8

 
359

 
386

 
—

 
1,532

Net charge-offs
 
(7,909
)
 
(279
)
 
(4
)
 
8

 
358

 
(1,951
)
 
—

 
(9,777
)
Provision for loan
  losses and other
 
10,752

 
(1,266
)
 
(413
)
 
144

 
(1,018
)
 
3,415

 
—

 
11,614

Ending balance
 
$
60,043

 
$
9,062

 
$
2,175

 
$
2,124

 
$
4,631

 
$
18,656

 
$
1,000

 
$
97,691

Six Months Ended June 30, 2019
 
 
 
 
 
 
 
 
 
 
 
 
Beginning balance
 
$
63,276

 
$
7,900

 
$
2,464

 
$
2,173

 
$
4,934

 
$
21,472

 
$
1,200

 
$
103,419

Charge-offs
 
(12,967
)
 
(2,233
)
 
(340
)
 
(6
)
 
(539
)
 
(6,116
)
 
—

 
(22,201
)
Recoveries
 
2,559

 
161

 
1

 
16

 
66

 
973

 
—

 
3,776

Net charge-offs
 
(10,408
)
 
(2,072
)
 
(339
)
 
10

 
(473
)
 
(5,143
)
 
—

 
(18,425
)
Provision for loan
  losses and other
 
13,496

 
1,667

 
34

 
(321
)
 
536

 
6,523

 
—

 
21,935

Ending balance
 
$
66,364

 
$
7,495

 
$
2,159

 
$
1,862

 
$
4,997

 
$
22,852

 
$
1,200

 
$
106,929

Six Months Ended June 30, 2018
 
 
 
 
 
 
 
 
 
 
 
 
Beginning balance
 
$
55,791

 
$
10,996

 
$
2,534

 
$
3,481

 
$
6,381

 
$
16,546

 
$
1,000

 
$
96,729

Charge-offs
 
(23,332
)
 
(766
)
 
(4
)
 
—

 
(70
)
 
(4,222
)
 
—

 
(28,394
)
Recoveries
 
1,291

 
123

 
—

 
21

 
398

 
728

 
—

 
2,561

Net charge-offs
 
(22,041
)
 
(643
)
 
(4
)
 
21

 
328

 
(3,494
)
 
—

 
(25,833
)
Provision for loan
  losses and other
 
26,293

 
(1,291
)
 
(355
)
 
(1,378
)
 
(2,078
)
 
5,604

 
—

 
26,795

Ending balance
 
$
60,043

 
$
9,062

 
$
2,175

 
$
2,124

 
$
4,631

 
$
18,656

 
$
1,000

 
$
97,691




The table below provides a breakdown of loans and the related allowance for credit losses by portfolio segment as of June 30, 2019 and December 31, 2018.
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, 2019
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Commercial, industrial, and
  agricultural
 
$
23,549

 
$
4,878,817

 
$
52,624

 
$
4,954,990

 
$
2,000

 
$
64,024

 
$
340

 
$
66,364

Commercial real estate:
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Office, retail, and industrial
 
15,291

 
1,907,604

 
13,682

 
1,936,577

 
67

 
6,473

 
955

 
7,495

Multi-family
 
5,161

 
775,648

 
6,346

 
787,155

 
—

 
2,064

 
95

 
2,159

Construction
 
123

 
645,235

 
9,249

 
654,607

 
—

 
1,777

 
85

 
1,862

Other commercial real estate
 
3,334

 
1,375,786

 
68,553

 
1,447,673

 
—

 
4,258

 
739

 
4,997

Total commercial real estate
 
23,909

 
4,704,273

 
97,830

 
4,826,012

 
67

 
14,572

 
1,874

 
16,513

Total corporate loans
 
47,458

 
9,583,090

 
150,454

 
9,781,002

 
2,067

 
78,596

 
2,214

 
82,877

Consumer
 
—

 
2,715,033

 
23,569

 
2,738,602

 
—

 
21,756

 
1,096

 
22,852

Reserve for unfunded
  commitments
 
—

 
—

 
—

 
—

 
—

 
1,200

 
—

 
1,200

Total loans
 
$
47,458

 
$
12,298,123

 
$
174,023

 
$
12,519,604

 
$
2,067

 
$
101,552

 
$
3,310

 
$
106,929

As of December 31, 2018
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Commercial, industrial, and
  agricultural
 
$
32,415

 
$
4,514,349

 
$
4,457

 
$
4,551,221

 
$
3,961

 
$
58,947

 
$
368

 
$
63,276

Commercial real estate:
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Office, retail, and industrial
 
5,057

 
1,799,304

 
16,556

 
1,820,917

 
748

 
5,984

 
1,168

 
7,900

Multi-family
 
3,492

 
747,030

 
13,663

 
764,185

 
—

 
2,154

 
310

 
2,464

Construction
 
—

 
644,499

 
4,838

 
649,337

 
—

 
2,019

 
154

 
2,173

Other commercial real estate
 
1,545

 
1,305,444

 
54,821

 
1,361,810

 
—

 
4,180

 
754

 
4,934

Total commercial real estate
 
10,094

 
4,496,277

 
89,878

 
4,596,249

 
748

 
14,337

 
2,386

 
17,471

Total corporate loans
 
42,509

 
9,010,626

 
94,335

 
9,147,470

 
4,709

 
73,284

 
2,754

 
80,747

Consumer
 
—

 
2,279,780

 
19,533

 
2,299,313

 
—

 
20,094

 
1,378

 
21,472

Reserve for unfunded
  commitments
 
—

 
—

 
—

 
—

 
—

 
1,200

 
—

 
1,200

Total loans
 
$
42,509

 
$
11,290,406

 
$
113,868

 
$
11,446,783

 
$
4,709

 
$
94,578

 
$
4,132

 
$
103,419


Loans Individually Evaluated for Impairment
The following table presents loans individually evaluated for impairment by class of loan as of June 30, 2019 and December 31, 2018. PCI loans are excluded from this disclosure.
Impaired Loans Individually Evaluated by Class
(Dollar amounts in thousands)
 
 
As of June 30, 2019
 
 
As of December 31, 2018
 
 
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
 
$
13,578

 
$
3,503

 
$
37,779

 
$
670

 
 
$
7,550

 
$
23,349

 
$
49,102

 
$
3,960

Agricultural
 
1,156

 
5,312

 
9,565

 
1,330

 
 
1,318

 
198

 
3,997

 
1

Commercial real estate:
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Office, retail, and industrial
 
14,335

 
956

 
16,274

 
67

 
 
1,861

 
3,196

 
6,141

 
748

Multi-family
 
5,161

 
—

 
5,497

 
—

 
 
3,492

 
—

 
3,492

 
—

Construction
 
123

 
—

 
123

 
—

 
 
—

 
—

 
—

 
—

Other commercial real estate
 
3,334

 
—

 
3,492

 
—

 
 
1,545

 
—

 
1,612

 
—

Total commercial real estate
 
22,953

 
956

 
25,386

 
67

 
 
6,898

 
3,196

 
11,245

 
748

Total impaired loans
  individually evaluated for
  impairment
 
$
37,687

 
$
9,771

 
$
72,730

 
$
2,067

 
 
$
15,766

 
$
26,743

 
$
64,344

 
$
4,709


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, 2019 and 2018. 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,
 
 
2019
 
2018
 
 
Average
Recorded
Investment
 
Interest
Income
Recognized(1)
 
Average
Recorded
Investment
 
Interest
Income
Recognized(1)
Commercial and industrial
 
$
24,530

 
$
10

 
$
31,787

 
$
14

Agricultural
 
4,292

 
11

 
3,386

 
25

Commercial real estate:
 
 
 
 
 
 
 
 

Office, retail, and industrial
 
15,567

 
1

 
9,509

 
656

Multi-family
 
4,169

 
—

 
2,166

 
48

Construction
 
62

 
—

 
—

 
—

Other commercial real estate
 
2,433

 
26

 
2,694

 
61

Total commercial real estate
 
22,231

 
27

 
14,369

 
765

Total impaired loans
 
$
51,053

 
$
48

 
$
49,542

 
$
804

 
 
 
 
 
 
 
 
 
 
 
Six Months Ended June 30,
 
 
2019
 
2018
 
 
Average
Recorded
Investment
 
Interest
Income
Recognized(1)
 
Average
Recorded
Investment
 
Interest
Income
Recognized(1)
Commercial and industrial
 
$
26,653

 
$
26

 
$
34,097

 
$
36

Agricultural
 
3,366

 
11

 
2,257

 
25

Commercial real estate:
 
 
 
 
 
 
 
 

Office, retail, and industrial
 
12,063

 
4

 
9,942

 
768

Multi-family
 
3,943

 
—

 
1,651

 
55

Construction
 
41

 
—

 
—

 
—

Other commercial real estate
 
2,137

 
42

 
2,285

 
113

Total commercial real estate
 
18,184

 
46

 
13,878

 
936

Total impaired loans
 
$
48,203

 
$
83

 
$
50,232

 
$
997

(1) 
Recorded using the cash basis of accounting.
Credit Quality Indicators
Corporate loans and commitments are assessed for credit risk and assigned ratings based on various characteristics, such as the borrower's cash flow, leverage, and collateral. Ratings for commercial credits are reviewed periodically. The following tables present credit quality indicators by class for corporate and consumer loans, as of June 30, 2019 and December 31, 2018.
Corporate Credit Quality Indicators by Class
(Dollar amounts in thousands)
 
 
Pass
 
Special
 Mention(1)(4)
 
Substandard(2)(4)
 
Non-accrual(3)
 
Total
As of June 30, 2019
 
 
 
 
 
 
 
 
 
 
Commercial and industrial
 
$
4,326,163

 
$
74,221

 
$
104,208

 
$
19,809

 
$
4,524,401

Agricultural
 
383,404

 
23,834

 
16,639

 
6,712

 
430,589

Commercial real estate:
 
 
 
 
 
 
 
 
 
 
Office, retail, and industrial
 
1,833,410

 
41,134

 
44,158

 
17,875

 
1,936,577

Multi-family
 
765,375

 
10,385

 
6,073

 
5,322

 
787,155

Construction
 
632,922

 
12,591

 
8,942

 
152

 
654,607

Other commercial real estate
 
1,375,902

 
29,009

 
38,780

 
3,982

 
1,447,673

Total commercial real estate
 
4,607,609

 
93,119

 
97,953

 
27,331

 
4,826,012

Total corporate loans
 
$
9,317,176

 
$
191,174

 
$
218,800

 
$
53,852

 
$
9,781,002

As of December 31, 2018
 
 
 
 
 
 
 
 
 
 
Commercial and industrial
 
$
3,952,066

 
$
74,878

 
$
59,842

 
$
33,507

 
$
4,120,293

Agricultural
 
407,542

 
10,070

 
11,752

 
1,564

 
430,928

Commercial real estate:
 
 
 
 
 
 
 
 
 
 
Office, retail, and industrial
 
1,735,426

 
35,853

 
43,128

 
6,510

 
1,820,917

Multi-family
 
745,131

 
9,273

 
6,674

 
3,107

 
764,185

Construction
 
624,446

 
16,370

 
8,377

 
144

 
649,337

Other commercial real estate
 
1,294,128

 
47,736

 
17,092

 
2,854

 
1,361,810

Total commercial real estate
 
4,399,131

 
109,232

 
75,271

 
12,615

 
4,596,249

Total corporate loans
 
$
8,758,739

 
$
194,180

 
$
146,865

 
$
47,686

 
$
9,147,470

(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 well-defined 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 well-defined 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 $236,000 as of June 30, 2019 and $630,000 as of December 31, 2018.
Consumer Credit Quality Indicators by Class
(Dollar amounts in thousands)
 
 
Performing
 
Non-accrual
 
Total
As of June 30, 2019
 
 
 
 
 
 
Home equity
 
$
868,847

 
$
5,839

 
$
874,686

1-4 family mortgages
 
1,388,028

 
3,786

 
1,391,814

Installment
 
472,102

 
—

 
472,102

Total consumer loans
 
$
2,728,977

 
$
9,625

 
$
2,738,602

As of December 31, 2018
 
 
 
 
 
 
Home equity
 
$
846,214

 
$
5,393

 
$
851,607

1-4 family mortgages
 
1,013,325

 
3,856

 
1,017,181

Installment
 
430,525

 
—

 
430,525

Total consumer loans
 
$
2,290,064

 
$
9,249

 
$
2,299,313


TDRs
TDRs are generally performed at the request of the individual borrower and may include forgiveness of principal, reduction in interest rates, changes in payments, and maturity date extensions. The table below presents TDRs by class as of June 30, 2019 and December 31, 2018. 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, 2019
 
As of December 31, 2018
 
 
Accruing
 
Non-accrual(1)
 
Total
 
Accruing
 
Non-accrual(1)
 
Total
Commercial and industrial
 
$
236

 
$
6,928

 
$
7,164

 
$
246

 
$
5,994

 
$
6,240

Agricultural
 
—

 
—

 
—

 
—

 
—

 
—

Commercial real estate:
 
 
 
 
 
 
 
 
 
 
 
 
Office, retail, and industrial
 
—

 
383

 
383

 
—

 
—

 
—

Multi-family
 
167

 
—

 
167

 
557

 
—

 
557

Construction
 
—

 
—

 
—

 
—

 
—

 
—

Other commercial real estate
 
176

 
—

 
176

 
181

 
—

 
181

Total commercial real estate
 
343

 
383

 
726

 
738

 
—

 
738

Total corporate loans
 
579

 
7,311

 
7,890

 
984

 
5,994

 
6,978

Home equity
 
109

 
257

 
366

 
113

 
327

 
440

1-4 family mortgages
 
753

 
273

 
1,026

 
769

 
291

 
1,060

Installment
 
—

 
—

 
—

 
—

 
—

 
—

Total consumer loans
 
862

 
530

 
1,392

 
882

 
618

 
1,500

Total loans
 
$
1,441

 
$
7,841

 
$
9,282

 
$
1,866

 
$
6,612

 
$
8,478

(1) 
These TDRs are included in non-accrual loans in the preceding tables.
TDRs are included in the calculation of the allowance for credit losses in the same manner as impaired loans. As of June 30, 2019, there were $670,000 of specific reserves related to TDRs. There were no specific reserves related to TDRs as of December 31, 2018.
There were no material restructurings during the quarters and six months ended June 30, 2019 and 2018.
Accruing TDRs that do not perform in accordance with their modified terms are transferred to non-accrual. There were no material TDRs that defaulted within twelve months of the restructure date during the quarters and six months ended June 30, 2019 and 2018.
A rollforward of the carrying value of TDRs for the quarters and six months ended June 30, 2019 and 2018 is presented in the following table.
TDR Rollforward
(Dollar amounts in thousands)
 
 
Quarters Ended 
 June 30,
 
Six Months Ended 
 June 30,
 
 
2019
 
2018
 
2019
 
2018
Accruing
 
 
 
 
 
 
 
 
Beginning balance
 
$
1,844

 
$
1,778

 
$
1,866

 
$
1,796

Additions
 
—

 
—

 
12

 
—

Net payments
 
(20
)
 
(18
)
 
(54
)
 
(36
)
Net transfers to non-accrual
 
(383
)
 
—

 
(383
)
 
—

Ending balance
 
1,441

 
1,760

 
1,441

 
1,760

Non-accrual
 
 
 
 
 
 
 
 
Beginning balance
 
9,375

 
20,466

 
6,612

 
24,533

Additions
 
—

 
—

 
—

 
355

Net advances (payments)
 
(1,447
)
 
(9,865
)
 
1,474

 
(12,978
)
Charge-offs
 
(470
)
 
(2,363
)
 
(628
)
 
(3,672
)
Net transfers from accruing
 
383

 
—

 
383

 
—

Ending balance
 
7,841

 
8,238

 
7,841

 
8,238

Total TDRs
 
$
9,282

 
$
9,998

 
$
9,282

 
$
9,998


There were $1.9 million and $3.8 million of commitments to lend additional funds to borrowers with TDRs as of June 30, 2019 and December 31, 2018, respectively.