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Loans (Tables)
 9 Months Ended
Sep. 30, 2019
Certain Loans Acquired in Transfer Not Accounted for as Debt Securities Acquired During Period [Line Items]  
Composition Of Loan Portfolio By Class Of Loan
The composition of the loan portfolio, by class of loan, as of September 30, 2019 and December 31, 2018 was as follows:
 
 
September 30, 2019
 
 
December 31, 2018
(In thousands)
Loan
Balance
 
Accrued
Interest
Receivable
 
Recorded
Investment
 
 
Loan
Balance
 
Accrued
Interest
Receivable
 
Recorded
Investment
Commercial, financial and agricultural *
$
1,140,138

 
$
5,404

 
$
1,145,542

 
 
$
1,072,786

 
$
4,603

 
$
1,077,389

Commercial real estate *
1,599,697

 
5,767

 
1,605,464

 
 
1,283,045

 
4,750

 
1,287,795

Construction real estate:
 

 
 

 
 

 
 
 

 
 

 
 

Commercial
223,603

 
777

 
224,380

 
 
175,300

 
801

 
176,101

Mortgage
92,985

 
232

 
93,217

 
 
70,541

 
151

 
70,692

Installment
1,581

 
5

 
1,586

 
 
2,433

 
7

 
2,440

Residential real estate:
 

 
 

 
 

 
 
 

 
 

 
 

Commercial
465,656

 
1,199

 
466,855

 
 
429,730

 
1,150

 
430,880

Mortgage
1,174,421

 
1,529

 
1,175,950

 
 
1,134,278

 
1,227

 
1,135,505

HELOC
231,007

 
1,185

 
232,192

 
 
215,283

 
1,159

 
216,442

Installment
13,027

 
34

 
13,061

 
 
14,327

 
36

 
14,363

Consumer
1,430,400

 
3,946

 
1,434,346

 
 
1,292,136

 
3,756

 
1,295,892

Leases
31,132

 
30

 
31,162

 
 
2,273

 
26

 
2,299

Total loans
$
6,403,647

 
$
20,108

 
$
6,423,755

 
 
$
5,692,132

 
$
17,666

 
$
5,709,798

* Included within each of commercial, financial and agricultural loans and commercial real estate loans is an immaterial amount of consumer loans that are not broken out by class.
Recorded Investment In Nonaccrual Restructured And Loans Past Due 90 Days Or More And Accruing
The following tables present the recorded investment in nonaccrual loans, accruing TDRs, and loans past due 90 days or more and still accruing by class of loan as of September 30, 2019 and December 31, 2018:
 
 
 
September 30, 2019
(In thousands)
 
Nonaccrual
Loans
 
Accruing
TDRs
 
Loans Past Due
90 Days or More
and Accruing
 
Total
Nonperforming
Loans
Commercial, financial and agricultural
 
$
28,099

 
$
3,430

 
$
—

 
$
31,529

Commercial real estate
 
36,663

 
2,136

 
625

 
39,424

Construction real estate:
 
 

 
 

 
 

 
 

Commercial
 
1,786

 
82

 
235

 
2,103

Mortgage
 
27

 
7

 
—

 
34

Installment
 
73

 
6

 
12

 
91

Residential real estate:
 
 

 
 

 
 

 
 

Commercial
 
2,224

 
14

 
—

 
2,238

Mortgage
 
15,367

 
8,821

 
1,641

 
25,829

HELOC
 
1,700

 
1,021

 
56

 
2,777

Installment
 
512

 
1,915

 
—

 
2,427

Consumer
 
3,016

 
1,053

 
570

 
4,639

Leases
 
88

 
—

 
209

 
297

Total loans
 
$
89,555

 
$
18,485

 
$
3,348

 
$
111,388

 
 
 
December 31, 2018
(In thousands)
 
Nonaccrual
Loans
 
Accruing
TDRs
 
Loans Past Due
90 Days or More
and Accruing
 
Total
Nonperforming
Loans
Commercial, financial and agricultural
 
$
14,998

 
$
196

 
$
10

 
$
15,204

Commercial real estate
 
25,566

 
2,860

 
—

 
28,426

Construction real estate:
 
 

 
 

 
 

 
 
Commercial
 
1,866

 
—

 
—

 
1,866

Mortgage
 
—

 
15

 
20

 
35

Installment
 
19

 
9

 
—

 
28

Residential real estate:
 
 

 
 

 
 

 
 

Commercial
 
2,610

 
122

 
—

 
2,732

Mortgage
 
16,892

 
9,100

 
1,124

 
27,116

HELOC
 
2,158

 
1,028

 
9

 
3,195

Installment
 
468

 
1,049

 
24

 
1,541

Consumer
 
3,377

 
843

 
1,115

 
5,335

Leases
 
—

 
—

 
—

 
—

Total loans
 
$
67,954

 
$
15,222

 
$
2,302

 
$
85,478
Loans Individually And Collectively Evaluated For Impairment
The following table provides additional information regarding those nonaccrual loans and accruing TDR loans that were individually evaluated for impairment and those collectively evaluated for impairment, as of September 30, 2019 and December 31, 2018.

 
 
September 30, 2019
 
 
December 31, 2018
(In thousands)
 
Nonaccrual and Accruing TDRs
 
Loans
Individually
Evaluated for
Impairment
 
Loans
Collectively
Evaluated for
Impairment
 
 
Nonaccrual and Accruing TDRs
 
Loans
Individually
Evaluated for
Impairment
 
Loans
Collectively
Evaluated for
Impairment
Commercial, financial and agricultural
 
$
31,529

 
$
31,485

 
$
44

 
 
$
15,194

 
$
15,120

 
$
74

Commercial real estate
 
38,799

 
38,799

 
—

 
 
28,426

 
28,426

 
—

Construction real estate:
 
 

 
 

 
 

 
 
 

 
 

 
 

Commercial
 
1,868

 
1,868

 
—

 
 
1,866

 
1,866

 
—

Mortgage
 
34

 
—

 
34

 
 
15

 
—

 
15

Installment
 
79

 
—

 
79

 
 
28

 
—

 
28

Residential real estate:
 
 

 
 

 
 

 
 
 

 
 

 
 

Commercial
 
2,238

 
2,238

 
—

 
 
2,732

 
2,732

 
—

Mortgage
 
24,188

 
—

 
24,188

 
 
25,992

 
—

 
25,992

HELOC
 
2,721

 
—

 
2,721

 
 
3,186

 
—

 
3,186

Installment
 
2,427

 
—

 
2,427

 
 
1,517

 
—

 
1,517

Consumer
 
4,069

 
—

 
4,069

 
 
4,220

 
—

 
4,220

Leases
 
88

 
88

 
—

 
 
—

 
—

 
—

Total loans
 
$
108,040

 
$
74,478

 
$
33,562

 
 
$
83,176

 
$
48,144

 
$
35,032
Loans Individually Evaluated For Impairment By Class Of Loans
The following table presents loans individually evaluated for impairment by class of loan, together with the related allowance recorded, as of September 30, 2019 and December 31, 2018.
 
 
 
September 30, 2019
 
 
December 31, 2018
(In thousands)
 
Unpaid
Principal
Balance
 
Recorded
Investment
 
Allowance
for Loan
Losses
Allocated
 
 
Unpaid
Principal
Balance
 
Recorded
Investment
 
Allowance
for Loan
Losses
Allocated
With no related allowance recorded:
 
 

 
 

 
 

 
 
 

 
 

 
 

Commercial, financial and agricultural
 
$
19,140

 
$
18,783

 
$
—

 
 
$
8,999

 
$
3,713

 
$
—

Commercial real estate
 
38,723

 
38,519

 
—

 
 
26,663

 
26,213

 
—

Construction real estate:
 
 

 
 

 
 

 
 
 

 
 

 
 

Commercial
 
4,682

 
1,868

 
—

 
 
4,679

 
1,866

 
—

Residential real estate:
 
 

 
 

 
 

 
 
 

 
 

 
 

Commercial
 
2,101

 
2,035

 
—

 
 
2,691

 
2,374

 
—

Leases
 
—

 
—

 
—

 
 
—

 
—

 
—

 
 
 
 
 
 
 
 
 
 
 
 
 
 
With an allowance recorded:
 
 

 
 

 
 

 
 
 

 
 

 
 

Commercial, financial and agricultural
 
14,839

 
12,702

 
2,917

 
 
13,736

 
11,407

 
2,169

Commercial real estate
 
280

 
280

 
30

 
 
2,255

 
2,213

 
86

Construction real estate:
 
 

 
 

 
 

 
 
 

 
 

 
 

Commercial
 
—

 
—

 
—

 
 
—

 
—

 
—

Residential real estate:
 
 

 
 

 
 

 
 
 

 
 

 
 

Commercial
 
203

 
203

 
111

 
 
358

 
358

 
18

   Leases
 
88

 
88

 
25

 
 
—

 
—

 
—

Total
 
$
80,056

 
$
74,478

 
$
3,083

 
 
$
59,381

 
$
48,144

 
$
2,273
Average Recorded Investment And Interest Income Recognized On Loans Individually Evaluated For Impairment The following table presents the average recorded investment and interest income recognized subsequent to impairment on loans individually evaluated for impairment as of and for the three and nine months ended September 30, 2019 and September 30, 2018:

 
Three Months Ended
September 30, 2019
 
 
Three Months Ended
September 30, 2018
(In thousands)
Recorded Investment as of September 30, 2019
 
Average
Recorded
Investment
 
Interest
Income
Recognized
 
 
Recorded Investment as of September 30, 2018
 
Average
Recorded
Investment
 
Interest
Income
Recognized
Commercial, financial and agricultural
$
31,485

 
$
23,468

 
$
107

 
 
$
16,026

 
$
23,247

 
$
187

Commercial real estate
38,799

 
29,779

 
277

 
 
25,805

 
26,428

 
268

Construction real estate:
 
 
 
 
 
 
 
 
 
 
 
 
   Commercial
1,868

 
1,922

 
1

 
 
2,016

 
2,246

 
4

Residential real estate:
 
 
 
 
 
 
 
 
 
 
 
 
   Commercial
2,238

 
1,977

 
27

 
 
2,913

 
2,758

 
26

Leases
88

 
90

 
—

 
 
—

 
—

 
—

Total
$
74,478

 
$
57,236

 
$
412

 
 
$
46,760

 
$
54,679

 
$
485



 
Nine Months Ended
September 30, 2019
 
 
Nine Months Ended
September 30, 2018
(In thousands)
Recorded Investment as of September 30, 2019
 
Average
Recorded
Investment
 
Interest
Income
Recognized
 
 
Recorded Investment as of September 30, 2018
 
Average
Recorded
Investment
 
Interest
Income
Recognized
Commercial, financial and agricultural
$
31,485

 
$
18,368

 
$
244

 
—

$
16,026

 
$
22,686

 
$
506

Commercial real estate
38,799

 
29,712

 
803

 
—

25,805

 
21,582

 
671

Construction real estate:
 
 
 
 
 
 
 
 
 
 
 
 
   Commercial
1,868

 
2,176

 
23

 
—

2,016

 
1,661

 
31

Residential real estate:
 
 
 
 
 
 
 
 
 
 
 
 
   Commercial
2,238

 
2,198

 
72

 
—

2,913

 
6,086

 
84

Leases
88

 
36

 
—

 
 
—

 
—

 
—

Total
$
74,478

 
$
52,490

 
$
1,142

 
—

$
46,760

 
$
52,015

 
$
1,292
Aging Of Recorded Investment In Past Due Loans
The following tables present the aging of the recorded investment in past due loans as of September 30, 2019 and December 31, 2018 by class of loan. 

 
September 30, 2019
(In thousands)
Accruing Loans
Past Due 30-89
Days
 
Past Due 
Nonaccrual
Loans and Loans Past
Due 90 Days or
More and 
Accruing (1)
 
Total Past Due
 
Total Current (2)
 
Total Recorded
Investment
Commercial, financial and agricultural
$
2,570

 
$
10,602

 
$
13,172

 
$
1,132,370

 
$
1,145,542

Commercial real estate
673

 
1,354

 
2,027

 
1,603,437

 
1,605,464

Construction real estate:
 

 
 

 
 

 
 

 
 

Commercial
—

 
2,023

 
2,023

 
222,357

 
224,380

Mortgage
118

 
—

 
118

 
93,099

 
93,217

Installment
—

 
12

 
12

 
1,574

 
1,586

Residential real estate:
 

 
 

 
 

 
 

 
 

Commercial
40

 
791

 
831

 
466,024

 
466,855

Mortgage
10,196

 
9,508

 
19,704

 
1,156,246

 
1,175,950

HELOC
570

 
845

 
1,415

 
230,777

 
232,192

Installment
45

 
269

 
314

 
12,747

 
13,061

Consumer
5,758

 
1,572

 
7,330

 
1,427,016

 
1,434,346

Leases
51

 
209

 
260

 
30,902

 
31,162

Total loans
$
20,021

 
$
27,185

 
$
47,206

 
$
6,376,549

 
$
6,423,755


(1) Includes an aggregate of $3.3 million of loans past due 90 days or more and accruing. The remaining loans were past due nonaccrual loans.
(2) Includes an aggregate of $65.7 million of nonaccrual loans which were current in regards to contractual principal and interest payments.

 
December 31, 2018
(in thousands)
Accruing Loans
Past Due 30-89
Days
 
Past Due 
Nonaccrual
Loans and Loans Past
Due 90 Days or
More and 
Accruing (1)
 
Total Past Due
 
Total Current (2)
 
Total Recorded
Investment
Commercial, financial and agricultural
$
4,786

 
$
1,375

 
$
6,161

 
$
1,071,228

 
$
1,077,389

Commercial real estate
780

 
3,584

 
4,364

 
1,283,431

 
1,287,795

Construction real estate:
 

 
 

 
 
 
 

 
 

Commercial
—

 
1,635

 
1,635

 
174,466

 
176,101

Mortgage
133

 
20

 
153

 
70,539

 
70,692

Installment
28

 
19

 
47

 
2,393

 
2,440

Residential real estate:
 

 
 

 
 

 
 

 
 

Commercial
683

 
1,104

 
1,787

 
429,093

 
430,880

Mortgage
13,210

 
8,553

 
21,763

 
1,113,742

 
1,135,505

HELOC
620

 
907

 
1,527

 
214,915

 
216,442

Installment
155

 
274

 
429

 
13,934

 
14,363

Consumer
9,524

 
2,131

 
11,655

 
1,284,237

 
1,295,892

Leases
—

 
—

 
—

 
2,299

 
2,299

Total loans
$
29,919

 
$
19,602

 
$
49,521

 
$
5,660,277

 
$
5,709,798

(1) Includes an aggregate of $2.3 million of loans past due 90 days or more and accruing. The remaining loans were past due nonaccrual loans.
(2) Includes an aggregate of $50.7 million of nonaccrual loans which were current in regards to contractual principal and interest payments.

Recorded Investment By Loan Grade
The tables below present the recorded investment by loan grade at September 30, 2019 and December 31, 2018 for all commercial loans:
 
 
September 30, 2019
(In thousands)
5 Rated
 
6 Rated
 
Nonaccrual and Accruing TDRs
 
Purchase Credit Impaired (1)
 
Pass-Rated
 
Recorded
Investment
Commercial, financial and agricultural *
$
27,059

 
$
315

 
$
31,529

 
$
4,803

 
$
1,081,836

 
$
1,145,542

Commercial real estate *
11,429

 
1,246

 
38,799

 
10,595

 
1,543,395

 
1,605,464

Construction real estate:
 

 
 

 
 

 
 
 
 

 
 

Commercial
3,852

 
—

 
1,868

 
1,288

 
217,372

 
224,380

Residential real estate:
 

 
 

 
 

 
 
 
 

 
 

Commercial
1,001

 
33

 
2,238

 
1,926

 
461,657

 
466,855

Leases
—

 
—

 
88

 
568

 
30,506

 
31,162

Total commercial loans
$
43,341

 
$
1,594

 
$
74,522

 
$
19,180

 
$
3,334,766

 
$
3,473,403

 * Included within each of commercial, financial and agricultural loans and commercial real estate loans is an immaterial amount of consumer loans that are not broken out by class.
(1) Excludes loans acquired with deteriorated credit quality which are nonaccrual or TDRs due to additional credit deterioration or modification post acquisition. These loans had a recorded investment of $11,000 at September 30, 2019.

 
December 31, 2018
(In thousands)
5 Rated
 
6 Rated
 
Nonaccrual and Accruing TDRs
 
Purchase Credit Impaired (1)
 
Pass-Rated
 
Recorded
Investment
Commercial, financial and agricultural *
$
11,509

 
$
444

 
$
15,194

 
$
148

 
$
1,050,094

 
$
1,077,389

Commercial real estate *
2,707

 
—

 
28,426

 
3,059

 
1,253,603

 
1,287,795

Construction real estate:
 

 
 

 
 

 
 
 
 

 
 

Commercial
1,560

 
—

 
1,866

 
503

 
172,172

 
176,101

Residential real estate:
 

 
 

 
 

 
 
 
 

 
 

Commercial
272

 
41

 
2,732

 
251

 
427,584

 
430,880

Leases
—

 
—

 
—

 
—

 
2,299

 
2,299

Total Commercial Loans
$
16,048

 
$
485

 
$
48,218

 
$
3,961

 
$
2,905,752

 
$
2,974,464
TDR Number Of Contracts Modified And Recorded Investment
The following tables detail the number of contracts modified as TDRs during the three-month periods ended September 30, 2019 and September 30, 2018, as well as the recorded investment of these contracts at September 30, 2019 and September 30, 2018. The recorded investment pre- and post-modification is generally the same due to the fact that Park does not typically forgive principal.

 
Three Months Ended
September 30, 2019
(In thousands)
Number of
Contracts
 
Accruing
 
Nonaccrual
 
Total
Recorded
Investment
Commercial, financial and agricultural
8

 
$
752

 
$
5,002

 
$
5,754

Commercial real estate
1

 
—

 
241

 
241

Construction real estate:
 
 
 
 
 
 
 
  Commercial
1

 
82

 
—

 
82

  Mortgage
—

 
—

 
—

 
—

  Installment
—

 
—

 
—

 
—

Residential real estate:
 
 
 
 
 
 
 
  Commercial
1

 
13

 
—

 
13

  Mortgage
4

 
286

 
215

 
501

  HELOC
6

 
31

 
107

 
138

  Installment
9

 
407

 
14

 
421

Consumer
77

 
174

 
542

 
716

Total loans
107

 
$
1,745

 
$
6,121

 
$
7,866


 
Three Months Ended
September 30, 2018
(In thousands)
Number of
Contracts
 
Accruing
 
Nonaccrual
 
Total
Recorded
Investment
Commercial, financial and agricultural
8

 
$
22

 
$
552

 
$
574

Commercial real estate
3

 
—

 
1,154

 
1,154

Construction real estate:
 
 
 
 
 
 
 
  Commercial
—

 
—

 
—

 
—

  Mortgage
—

 
—

 
—

 
—

  Installment
—

 
—

 
—

 
—

Residential real estate:
 
 
 
 
 
 
 
  Commercial
2

 
55

 
249

 
304

  Mortgage
4

 
—

 
246

 
246

  HELOC
10

 
453

 
16

 
469

  Installment
8

 
336

 
—

 
336

Consumer
71

 
31

 
590

 
621

Total loans
106

 
$
897

 
$
2,807

 
$
3,704


Of those loans which were modified and determined to be a TDR during the three-month period ended September 30, 2019, $0.6 million were on nonaccrual status as of December 31, 2018. Of those loans which were modified and determined to be a TDR during the three-month period ended September 30, 2018, $0.1 million were on nonaccrual status as of December 31, 2017.

The following tables detail the number of contracts modified as TDRs during the nine-month periods ended September 30, 2019 and September 30, 2018, as well as the recorded investment of these contracts at September 30, 2019 and September 30, 2018. The recorded investment pre- and post-modification is generally the same due to the fact that Park does not typically forgive principal.

 
Nine Months Ended
September 30, 2019
(In thousands)
Number of
Contracts
 
Accruing
 
Nonaccrual
 
Total
Recorded
Investment
Commercial, financial and agricultural
24

 
$
3,237

 
$
6,059

 
$
9,296

Commercial real estate
5

 
—

 
3,236

 
3,236

Construction real estate:
 
 
 
 
 
 
 
  Commercial
2

 
82

 
—

 
82

  Mortgage
1

 
—

 
—

 
—

  Installment
—

 
—

 
—

 
—

Residential real estate:
 
 
 
 
 
 
 
  Commercial
2

 
13

 
36

 
49

  Mortgage
18

 
340

 
673

 
1,013

  HELOC
14

 
121

 
243

 
364

  Installment
25

 
951

 
52

 
1,003

Consumer
251

 
199

 
987

 
1,186

Total loans
342

 
$
4,943

 
$
11,286

 
$
16,229


 
Nine Months Ended
September 30, 2018
(In thousands)
Number of
Contracts
 
Accruing
 
Nonaccrual
 
Total
Recorded
Investment
Commercial, financial and agricultural
16

 
$
208

 
$
592

 
$
800

Commercial real estate
10

 
447

 
1,412

 
1,859

Construction real estate:
 
 
 
 
 
 
 
  Commercial
1

 
—

 
—

 
—

  Mortgage
—

 
—

 
—

 
—

  Installment
2

 
12

 
—

 
12

Residential real estate:
 
 
 
 
 
 
 
  Commercial
2

 
55

 
249

 
304

  Mortgage
17

 
90

 
972

 
1,062

  HELOC
18

 
735

 
125

 
860

  Installment
17

 
437

 
16

 
453

Consumer
206

 
59

 
1,157

 
1,216

Total loans
289

 
$
2,043

 
$
4,523

 
$
6,566


Of those loans which were modified and determined to be a TDR during the nine-month period ended September 30, 2019, $1.8 million were on nonaccrual status as of December 31, 2018. Of those loans which were modified and determined to be a TDR during the nine-month period ended September 30, 2018, $0.5 million were on nonaccrual status as of December 31, 2017.
Recorded Investment In Financing Receivable Modified As TDR Within 12 Months
The following tables present the recorded investment in loans which were modified as TDRs within the previous 12 months and for which there was a payment default during the three-month and nine-month periods ended September 30, 2019 and September 30, 2018, respectively. For these tables, a loan is considered to be in default when it becomes 30 days contractually past due under the modified terms. The additional allowance for loan loss resulting from the defaults on TDR loans was immaterial.
 
 
Three Months Ended
September 30, 2019
 
 
Three Months Ended
September 30, 2018
(In thousands)
Number of
Contracts
 
Recorded
Investment
 
 
Number of
Contracts
 
Recorded
Investment
Commercial, financial and agricultural
2

 
$
2

 
 
1

 
$
1

Commercial real estate
—

 
—

 
 
—

 
—

Construction real estate:
 

 
 

 
 
 
 
 
Commercial
—

 
—

 
 
—

 
—

Mortgage
—

 
—

 
 
—

 
—

Installment
—

 
—

 
 
—

 
—

Residential real estate:
 

 
 

 
 
 
 
 
Commercial
—

 
—

 
 
—

 
—

Mortgage
4

 
257

 
 
8

 
688

HELOC
5

 
135

 
 
3

 
108

Installment
2

 
66

 
 
—

 
—

Consumer
51

 
477

 
 
40

 
315

Leases
—

 
—

 
 
—

 
—

Total loans
64

 
$
937

 
 
52

 
$
1,112



Of the $0.9 million in modified TDRs which defaulted during the three-month period ended September 30, 2019, $48,000 were accruing loans and $0.9 million were nonaccrual loans. Of the $1.1 million in modified TDRs which defaulted during the three-month period ended September 30, 2018, $67,000 were accruing loans and $1.0 million were nonaccrual loans.

 
Nine Months Ended
September 30, 2019
 
 
Nine Months Ended
September 30, 2018
(In thousands)
Number of
Contracts
 
Recorded
Investment
 
 
Number of
Contracts
 
Recorded
Investment
Commercial, financial and agricultural
3

 
$
65

 
 
1

 
$
1

Commercial real estate
—

 
—

 
 
—

 
—

Construction real estate:
 
 
 
 
 
 
 
 
Commercial
—

 
—

 
 
—

 
—

Mortgage
—

 
—

 
 
—

 
—

Installment
—

 
—

 
 
—

 
—

Residential real estate:
 
 
 
 
 
 
 
 
Commercial
1

 
13

 
 
—

 
—

Mortgage
7

 
370

 
 
9

 
789

HELOC
7

 
165

 
 
3

 
108

Installment
2

 
66

 
 
—

 
—

Consumer
58

 
530

 
 
50

 
392

Leases
—

 
—

 
 
—

 
—

Total loans
78

 
$
1,209

 
 
63

 
$
1,290


Of the $1.2 million in modified TDRs which defaulted during the nine-month period ended September 30, 2019, $87,000 were accruing loans and $1.1 million were nonaccrual loans. Of the $1.3 million in modified TDRs which defaulted during the nine-month period ended September 30, 2018, $67,000 were accruing loans and $1.2 million were nonaccrual loans.