XML 64 R36.htm IDEA: XBRL DOCUMENT v3.19.3.a.u2
LOANS AND ALLOWANCE FOR LOAN LOSSES (Tables)
12 Months Ended
Dec. 31, 2019
Accounts, Notes, Loans and Financing Receivable [Line Items]  
Loans Stated at Face Amount, Net of Unearned Income

Loans are stated at their face amount, net of deferred fees and costs, and consist of the following at December 31, 2019 and 2018 (dollars in thousands):

2019

    

2018

Construction and Land Development

$

1,250,924

$

1,194,821

Commercial Real Estate - Owner Occupied

 

2,041,243

 

1,337,345

Commercial Real Estate - Non-Owner Occupied

 

3,286,098

 

2,467,410

Multifamily Real Estate

 

633,743

 

548,231

Commercial & Industrial

 

2,114,033

 

1,317,135

Residential 1-4 Family - Commercial

 

724,337

 

640,419

Residential 1-4 Family - Consumer

 

890,503

 

673,909

Residential 1-4 Family - Revolving

 

659,504

 

613,383

Auto

 

350,419

 

301,943

Consumer

 

372,853

 

379,694

Other Commercial

 

287,279

 

241,917

Total loans held for investment, net

$

12,610,936

$

9,716,207

Summary of Aging of the Loan Portfolio by Class

The following table shows the aging of the Company’s loan portfolio, by segment, at December 31, 2019 (dollars in thousands):

    

    

    

Greater than

    

    

    

    

30-59 Days

60-89 Days

90 Days and

Past Due

Past Due

still Accruing

PCI

Nonaccrual

Current

Total Loans

Construction and Land Development

$

4,563

$

482

$

189

$

10,944

$

3,703

$

1,231,043

$

1,250,924

Commercial Real Estate - Owner Occupied

 

3,482

 

2,184

 

1,062

 

27,438

 

6,003

 

2,001,074

 

2,041,243

Commercial Real Estate - Non-Owner Occupied

 

457

 

 

1,451

 

14,565

 

381

 

3,269,244

 

3,286,098

Multifamily Real Estate

 

223

 

 

474

 

94

 

 

632,952

 

633,743

Commercial & Industrial

 

8,698

 

1,598

 

449

 

1,579

 

1,735

 

2,099,974

 

2,114,033

Residential 1-4 Family - Commercial

 

1,479

 

2,207

 

674

 

12,205

 

4,301

 

703,471

 

724,337

Residential 1-4 Family - Consumer

 

16,244

 

3,072

 

4,515

 

14,713

 

9,292

 

842,667

 

890,503

Residential 1-4 Family - Revolving

 

10,190

 

1,784

 

3,357

 

4,127

 

2,080

 

637,966

 

659,504

Auto

 

2,525

 

236

 

272

 

4

 

563

 

346,819

 

350,419

Consumer

 

2,128

 

1,233

 

953

 

668

 

77

 

367,794

 

372,853

Other Commercial

464

344

97

286,374

287,279

Total loans held for investment

$

50,453

$

12,796

$

13,396

$

86,681

$

28,232

$

12,419,378

$

12,610,936

The following table shows the aging of the Company’s loan portfolio, by segment, at December 31, 2018 (dollars in thousands):

    

    

    

Greater than

    

    

    

    

30-59 Days

60-89 Days

90 Days and

Past Due

Past Due

still Accruing

PCI

Nonaccrual

Current

Total Loans

Construction and Land Development

$

759

$

6

$

180

$

8,654

$

8,018

$

1,177,204

$

1,194,821

Commercial Real Estate - Owner Occupied

 

8,755

 

1,142

 

3,193

 

25,644

 

3,636

 

1,294,975

 

1,337,345

Commercial Real Estate - Non-Owner Occupied

 

338

 

41

 

 

17,335

 

1,789

 

2,447,907

 

2,467,410

Multifamily Real Estate

 

 

146

 

 

88

 

 

547,997

 

548,231

Commercial & Industrial

 

3,353

 

389

 

132

 

2,156

 

1,524

 

1,309,581

 

1,317,135

Residential 1-4 Family - Commercial

 

6,619

 

1,577

 

1,409

 

13,601

 

2,481

 

614,732

 

640,419

Residential 1-4 Family - Consumer

 

12,049

 

5,143

 

2,437

 

16,872

 

7,276

 

630,132

 

673,909

Residential 1-4 Family - Revolving

 

4,611

 

1,644

 

440

 

5,115

 

1,518

 

600,055

 

613,383

Auto

 

3,320

 

403

 

195

 

7

 

576

 

297,442

 

301,943

Consumer

 

1,504

 

1,096

 

870

 

32

 

135

 

376,057

 

379,694

Other Commercial

126

717

241,074

241,917

Total loans held for investment

$

41,434

$

11,587

$

8,856

$

90,221

$

26,953

$

9,537,156

$

9,716,207

Impaired Loans by Class The following table shows the Company’s impaired loans, excluding PCI loans, by segment at December 31, 2019 and 2018 (dollars in thousands):

December 31, 2019

December 31, 2018

    

    

Unpaid

    

    

    

Unpaid

    

Recorded

Principal

Related

Recorded

Principal

Related

Investment

Balance

Allowance

Investment

Balance

Allowance

Loans without a specific allowance

 

  

 

  

 

  

 

  

 

  

 

  

Construction and Land Development

$

5,877

$

7,174

$

$

10,290

$

12,038

$

Commercial Real Estate - Owner Occupied

 

8,801

 

9,296

 

 

8,386

 

9,067

 

Commercial Real Estate - Non-Owner Occupied

 

3,510

 

4,059

 

 

6,578

 

6,929

 

Commercial & Industrial

 

3,668

 

3,933

 

 

3,059

 

3,251

 

Residential 1-4 Family - Commercial

 

4,047

 

4,310

 

 

3,378

 

3,439

 

Residential 1-4 Family - Consumer

 

8,420

 

9,018

 

 

9,642

 

10,317

 

Residential 1-4 Family - Revolving

 

862

 

865

 

 

1,150

 

1,269

 

Consumer

30

102

Other Commercial

 

 

 

 

478

 

478

 

Total impaired loans without a specific allowance

$

35,185

$

38,655

$

$

42,991

$

46,890

$

Loans with a specific allowance

 

  

 

  

 

  

 

  

 

  

 

  

Construction and Land Development

$

984

$

1,032

$

49

$

372

$

491

$

63

Commercial Real Estate - Owner Occupied

 

2,820

 

3,093

 

146

 

4,304

 

4,437

 

359

Commercial Real Estate - Non-Owner Occupied

 

335

 

383

 

2

 

391

 

391

 

1

Commercial & Industrial

 

2,568

 

2,590

 

619

 

1,183

 

1,442

 

752

Residential 1-4 Family - Commercial

 

1,726

 

1,819

 

162

 

2,120

 

2,152

 

89

Residential 1-4 Family - Consumer

 

12,026

 

12,670

 

1,242

 

6,389

 

6,645

 

470

Residential 1-4 Family - Revolving

 

2,186

 

2,369

 

510

 

724

 

807

 

188

Auto

 

563

 

879

 

221

 

576

 

830

 

231

Consumer

 

168

 

336

 

46

 

178

 

467

 

64

Other Commercial

562

567

30

Total impaired loans with a specific allowance

$

23,938

$

25,738

$

3,027

$

16,237

$

17,662

$

2,217

Total impaired loans

$

59,123

$

64,393

$

3,027

$

59,228

$

64,552

$

2,217

The following table shows the average recorded investment and interest income recognized for the Company’s impaired loans, excluding PCI loans, by segment for the years ended December 31, 2019, 2018 and 2017 (dollars in thousands):

December 31, 2019

December 31, 2018

December 31, 2017

    

    

Interest

    

    

Interest

    

    

Interest

Average

Income

Average

Income

Average

Income

Investment

Recognized

Investment

Recognized

Investment

Recognized

Construction and Land Development

$

6,764

$

110

$

11,648

$

234

$

17,080

$

590

Commercial Real Estate - Owner Occupied

 

12,258

 

323

 

13,383

 

499

 

6,580

 

306

Commercial Real Estate - Non-Owner Occupied

 

4,775

 

147

 

7,157

 

246

 

6,083

 

172

Commercial & Industrial

 

6,438

 

293

 

4,672

 

232

 

3,208

 

150

Residential 1-4 Family - Commercial

 

6,145

 

120

 

5,667

 

180

 

4,422

 

162

Residential 1-4 Family - Consumer

 

20,963

 

308

 

16,977

 

236

 

12,812

 

222

Residential 1-4 Family - Revolving

 

3,256

 

82

 

2,000

 

23

 

2,659

 

36

Auto

 

788

 

15

 

824

 

20

 

579

 

19

Consumer

 

187

 

5

 

263

 

5

 

428

 

14

Other Commercial

584

22

486

27

382

22

Total impaired loans

$

62,158

$

1,425

$

63,077

$

1,702

$

54,233

$

1,693

Summary of Modified Loans that Continue to Accrue Interest Under the Terms of Restructuring Agreement

The following table provides a summary, by segment, of TDRs that continue to accrue interest under the terms of the restructuring agreement, which are considered to be performing, and TDRs that have been placed in nonaccrual status, which are considered to be nonperforming, as of December 31, 2019 and 2018 (dollars in thousands):

December 31, 2019

December 31, 2018

    

No. of

    

Recorded

    

Outstanding

    

No. of

    

Recorded

    

Outstanding

Loans

Investment

Commitment

Loans

Investment

Commitment

Performing

 

  

 

  

 

  

 

  

 

  

 

  

Construction and Land Development

 

4

$

1,114

$

 

5

$

2,496

$

Commercial Real Estate - Owner Occupied

 

6

 

2,228

 

26

 

8

 

2,783

 

Commercial Real Estate - Non-Owner Occupied

 

1

 

1,089

 

 

4

 

4,438

 

Commercial & Industrial

 

4

 

1,020

 

 

4

 

978

 

Residential 1-4 Family - Commercial

 

5

 

290

 

 

8

 

1,075

 

Residential 1-4 Family - Consumer

 

69

 

9,396

 

 

52

 

6,882

 

Residential 1-4 Family - Revolving

 

2

 

56

 

 

2

 

58

 

Consumer

 

4

 

29

 

 

1

 

13

 

Other Commercial

1

464

1

478

Total performing

 

96

$

15,686

$

26

 

85

$

19,201

$

Nonperforming

 

  

 

  

 

  

 

  

 

  

 

  

Construction and Land Development

 

$

$

 

2

$

3,474

$

Commercial Real Estate - Owner Occupied

 

2

 

176

 

 

2

 

198

 

Commercial & Industrial

 

1

 

55

 

 

6

 

461

 

Residential 1-4 Family - Commercial

 

 

 

 

1

 

60

 

Residential 1-4 Family - Consumer

 

19

 

3,522

 

 

15

 

3,135

 

Residential 1-4 Family - Revolving

 

2

 

57

 

 

2

 

62

 

Consumer

1

7

Total nonperforming

 

24

$

3,810

$

 

29

$

7,397

$

Total performing and nonperforming

 

120

$

19,496

$

26

 

114

$

26,598

$

Schedule of TDR by Class and Modification Type

The following table shows, by segment and modification type, TDRs that occurred during the years ended December 31, 2019 and 2018 (dollars in thousands):

All Restructurings

2019

2018

    

    

Recorded

    

    

Recorded

No. of

Investment at

No. of

Investment at

Loans

Period End

Loans

Period End

Modified to interest only, at a market rate

 

  

 

  

 

  

 

  

Total interest only at market rate of interest

 

$

 

$

Term modification, at a market rate

 

  

 

  

 

  

 

  

Construction and Land Development

 

$

 

4

$

4,675

Commercial Real Estate - Owner Occupied

 

 

 

5

 

1,365

Commercial Real Estate - Non-Owner Occupied

 

 

 

1

 

1,089

Commercial & Industrial

 

1

 

376

 

3

 

334

Residential 1-4 Family - Commercial

 

1

 

72

 

1

 

71

Residential 1-4 Family - Consumer

 

7

 

1,688

 

9

 

1,079

Consumer

3

24

1

13

Total loan term extended at a market rate

 

12

$

2,160

 

24

$

8,626

Term modification, below market rate

 

  

 

  

 

  

 

  

Construction and Land Development

3

$

193

$

Commercial Real Estate - Non-Owner Occupied

 

 

 

1

2,782

Residential 1-4 Family - Consumer

 

22

 

2,658

 

19

 

2,783

Residential 1-4 Family - Revolving

 

 

 

2

46

Consumer

 

1

 

5

 

 

Total loan term extended at a below market rate

 

26

$

2,856

 

22

$

5,611

Interest rate modification, below market rate

 

  

 

  

 

  

 

  

Residential 1-4 Family - Commercial

 

$

 

1

$

265

Total interest only at below market rate of interest

 

$

 

1

$

265

Total

 

38

$

5,016

 

47

$

14,502

Allowance for Loan Loss Activity, by Portfolio Segment, Balances for Allowance for Credit Losses, and Loans Based on Impairment Methodology

The following tables show the allowance for loan loss activity by segment for the year ended December 31, 2019, 2018, and 2017. The tables below include the provision for loan losses. Allocation of a portion of the allowance to one category of loans does not preclude its availability to absorb losses in other categories (dollars in thousands):

Year Ended December 31, 2019

Allowance for loan losses

    

Balance,

    

Recoveries

    

Loans

    

Provision

    

Balance,

beginning of

credited to

charged

charged to

end of

the year

allowance

off

operations

period

Construction and Land Development

$

6,803

$

665

$

(4,218)

$

2,508

$

5,758

Commercial Real Estate - Owner Occupied

 

4,023

 

456

 

(1,346)

 

786

 

3,919

Commercial Real Estate - Non-Owner Occupied

 

8,865

 

109

 

(270)

 

839

 

9,543

Multifamily Real Estate

 

649

 

85

 

 

(102)

 

632

Commercial & Industrial

 

7,636

 

1,132

 

(3,096)

 

2,932

 

8,604

Residential 1-4 Family - Commercial

 

1,692

 

372

 

(472)

 

(227)

 

1,365

Residential 1-4 Family - Consumer

 

1,492

 

466

 

(144)

 

199

 

2,013

Residential 1-4 Family - Revolving

 

1,297

 

692

 

(698)

 

32

 

1,323

Auto

 

1,443

 

549

 

(1,282)

 

743

 

1,453

Consumer and all other(1)

 

7,145

 

2,706

 

(16,582)

 

14,415

 

7,684

Total

$

41,045

$

7,232

$

(28,108)

$

22,125

$

42,294

(1)Consumer and Other Commercial are grouped together as Consumer and all other for reporting purposes.

Year Ended December 31, 2018

Allowance for loan losses

    

Balance,

    

Recoveries

    

Loans

    

Provision

    

Balance,

beginning of

credited to

charged

charged to

end of

the year

allowance

off

operations

period

Construction and Land Development

$

9,709

$

447

$

(2,005)

$

(1,348)

$

6,803

Commercial Real Estate - Owner Occupied

 

2,931

 

610

 

(709)

 

1,191

 

4,023

Commercial Real Estate - Non-Owner Occupied

 

7,544

 

100

 

(94)

 

1,315

 

8,865

Multifamily Real Estate

 

1,092

 

5

 

 

(448)

 

649

Commercial & Industrial

 

4,552

 

534

 

(833)

 

3,383

 

7,636

Residential 1-4 Family - Commercial

 

4,437

 

353

 

(176)

 

(2,922)

 

1,692

Residential 1-4 Family - Consumer

 

1,524

 

310

 

(852)

 

510

 

1,492

Residential 1-4 Family - Revolving

 

1,360

 

636

 

(1,206)

 

507

 

1,297

Auto

 

975

 

436

 

(1,074)

 

1,106

 

1,443

Consumer and all other(1)

 

4,084

 

1,737

 

(9,281)

 

10,605

 

7,145

Total

$

38,208

$

5,168

$

(16,230)

$

13,899

$

41,045

(1)Consumer and Other Commercial are grouped together as Consumer and all other for reporting purposes.

Year Ended December 31, 2017

Allowance for loan losses

    

Balance,

    

Recoveries

    

Loans

    

Provision

    

Balance,

beginning

credited to

charged

charged to

end of

of the year

allowance

off

operations

period

Construction and Land Development

$

10,055

$

206

$

(2,190)

$

1,638

$

9,709

Commercial Real Estate - Owner Occupied

 

3,801

 

171

 

(46)

 

(995)

 

2,931

Commercial Real Estate - Non-Owner Occupied

 

6,622

 

2

 

(1,180)

 

2,100

 

7,544

Multifamily Real Estate

 

1,236

 

 

 

(144)

 

1,092

Commercial & Industrial

 

4,627

 

483

 

(2,277)

 

1,719

 

4,552

Residential 1-4 Family - Commercial

 

3,698

 

329

 

(463)

 

873

 

4,437

Residential 1-4 Family - Consumer

 

2,701

 

102

 

(588)

 

(691)

 

1,524

Residential 1-4 Family - Revolving

 

1,328

 

314

 

(1,019)

 

737

 

1,360

Auto

 

946

 

459

 

(1,038)

 

608

 

975

Consumer and all other(1)

 

2,178

 

1,189

 

(4,509)

 

5,226

 

4,084

Total

$

37,192

$

3,255

$

(13,310)

$

11,071

$

38,208

(1)Consumer and Other Commercial are grouped together as Consumer and all other for reporting purposes.

The following tables show the loan and allowance for loan loss balances based on impairment methodology by segment as of December 31, 2019 and 2018 (dollars in thousands):

December 31, 2019

Loans individually

Loans collectively

Loans acquired with

evaluated for

evaluated for

deteriorated credit

impairment

impairment

quality

Total

    

Loans

    

ALL

    

Loans

    

ALL

    

Loans

    

ALL

    

Loans

    

ALL

Construction and Land Development

$

6,861

$

49

$

1,233,119

$

5,709

$

10,944

$

$

1,250,924

$

5,758

Commercial Real Estate - Owner Occupied

 

11,621

 

146

 

2,002,184

 

3,773

 

27,438

 

 

2,041,243

 

3,919

Commercial Real Estate - Non-Owner Occupied

 

3,845

 

2

 

3,267,688

 

9,541

 

14,565

 

 

3,286,098

 

9,543

Multifamily Real Estate

 

 

 

633,649

 

632

 

94

 

 

633,743

 

632

Commercial & Industrial

 

6,236

 

619

 

2,106,218

 

7,768

 

1,579

 

217

 

2,114,033

 

8,604

Residential 1-4 Family - Commercial

 

5,773

 

162

 

706,359

 

1,203

 

12,205

 

 

724,337

 

1,365

Residential 1-4 Family - Consumer

 

20,446

 

1,242

 

855,344

 

771

 

14,713

 

 

890,503

 

2,013

Residential 1-4 Family - Revolving

 

3,048

 

510

 

652,329

 

813

 

4,127

 

 

659,504

 

1,323

Auto

 

563

 

221

 

349,852

 

1,232

 

4

 

 

350,419

 

1,453

Consumer and all other(1)

 

730

 

76

 

658,390

 

7,608

 

1,012

 

 

660,132

 

7,684

Total loans held for investment, net

$

59,123

$

3,027

$

12,465,132

$

39,050

$

86,681

$

217

$

12,610,936

$

42,294

(1)Consumer and Other Commercial are grouped together as Consumer and all other for reporting purposes.

December 31, 2018

Loans individually

Loans collectively

Loans acquired with

evaluated for

evaluated for

deteriorated credit

impairment

impairment

quality

Total

    

Loans

    

ALL

    

Loans

    

ALL

    

Loans

    

ALL

    

Loans

    

ALL

Construction and Land Development

$

10,662

$

63

$

1,175,505

$

6,740

$

8,654

$

$

1,194,821

$

6,803

Commercial Real Estate - Owner Occupied

 

12,690

 

359

 

1,299,011

 

3,664

 

25,644

 

 

1,337,345

 

4,023

Commercial Real Estate - Non-Owner Occupied

 

6,969

 

1

 

2,443,106

 

8,864

 

17,335

 

 

2,467,410

 

8,865

Multifamily Real Estate

 

 

 

548,143

 

649

 

88

 

 

548,231

 

649

Commercial & Industrial

 

4,242

 

752

 

1,310,737

 

6,884

 

2,156

 

 

1,317,135

 

7,636

Residential 1-4 Family - Commercial

 

5,498

 

89

 

621,320

 

1,603

 

13,601

 

 

640,419

 

1,692

Residential 1-4 Family - Consumer

 

16,031

 

470

 

641,006

 

1,022

 

16,872

 

 

673,909

 

1,492

Residential 1-4 Family - Revolving

 

1,874

 

188

 

606,394

 

1,109

 

5,115

 

 

613,383

 

1,297

Auto

 

576

 

231

 

301,360

 

1,212

 

7

 

 

301,943

 

1,443

Consumer and all other(1)

 

686

 

64

 

620,176

 

7,081

 

749

 

 

621,611

 

7,145

Total loans held for investment, net

$

59,228

$

2,217

$

9,566,758

$

38,828

$

90,221

$

$

9,716,207

$

41,045

(1)Consumer and Other Commercial are grouped together as Consumer and all other for reporting purposes.
Loans Receivables Related Risk Rating

The following table shows the recorded investment in all loans, excluding PCI loans, by segment with their related risk level as of December 31, 2019 (dollars in thousands):

    

Pass

    

Watch & Special Mention

    

Substandard

    

Doubtful

    

Total

Construction and Land Development

$

1,197,066

$

37,182

$

5,732

$

$

1,239,980

Commercial Real Estate - Owner Occupied

 

1,916,492

 

87,004

 

10,309

 

 

2,013,805

Commercial Real Estate - Non-Owner Occupied

 

3,205,463

 

62,368

 

3,608

 

94

 

3,271,533

Multifamily Real Estate

 

613,844

 

19,396

 

409

 

 

633,649

Commercial & Industrial

 

2,043,903

 

60,495

 

8,048

 

8

 

2,112,454

Residential 1-4 Family - Commercial

 

680,894

 

24,864

 

6,374

 

 

712,132

Residential 1-4 Family - Consumer

 

841,408

 

13,592

 

20,534

 

256

 

875,790

Residential 1-4 Family - Revolving

 

641,069

 

6,373

 

7,935

 

 

655,377

Auto

 

345,960

 

2,630

 

1,825

 

 

350,415

Consumer

 

371,315

 

550

 

320

 

 

372,185

Other Commercial

284,914

1,863

158

286,935

Total

$

12,142,328

$

316,317

$

65,252

$

358

$

12,524,255

The following table shows the recorded investment in all loans, excluding PCI loans, by segment with their related risk level as of December 31, 2018 (dollars in thousands):

    

Pass

    

Watch & Special Mention

    

Substandard

    

Doubtful

    

Total

Construction and Land Development

$

1,130,577

$

43,894

$

11,696

$

$

1,186,167

Commercial Real Estate - Owner Occupied

 

1,231,422

 

50,939

 

29,340

 

 

1,311,701

Commercial Real Estate - Non-Owner Occupied

 

2,425,500

 

17,648

 

6,927

 

 

2,450,075

Multifamily Real Estate

 

537,572

 

10,571

 

 

 

548,143

Commercial & Industrial

 

1,273,549

 

34,864

 

6,566

 

 

1,314,979

Residential 1-4 Family - Commercial

 

606,955

 

14,876

 

4,987

 

 

626,818

Residential 1-4 Family - Consumer

 

624,346

 

17,065

 

15,626

 

 

657,037

Residential 1-4 Family - Revolving

 

598,444

 

6,316

 

3,508

 

 

608,268

Auto

 

296,907

 

3,590

 

1,439

 

 

301,936

Consumer

 

378,873

 

547

 

242

 

 

379,662

Other Commercial

 

239,857

 

864

 

479

 

 

241,200

Total

$

9,344,002

$

201,174

$

80,810

$

$

9,625,986

Schedule of Acquired Loan Portfolio and Accretable Yield

The following shows changes in the accretable yield for loans accounted for under ASC 310-30, Receivables – Loans and Debt Securities Acquired with Deteriorated Credit Quality, for the periods presented (dollars in thousands):

For the Year Ended December 31, 

    

2019

    

2018

Balance at beginning of period

$

31,201

$

14,563

Additions

 

5,060

 

12,225

Accretion

 

(13,432)

 

(8,654)

Reclass of nonaccretable difference due to improvement in expected cash flows

 

4,485

 

1,876

Measurement period adjustment

 

631

 

3,974

Other, net (1)

 

3,329

 

7,217

Balance at end of period

$

31,274

$

31,201

(1)This line item represents changes in the cash flows expected to be collected due to the impact of non-credit changes such as prepayment assumptions, changes in interest rates on variable rate PCI loans, and discounted payoffs that occurred in the year.
Purchased Impaired  
Accounts, Notes, Loans and Financing Receivable [Line Items]  
Summary of Aging of the Loan Portfolio by Class

The following table shows the PCI loan portfolios, by segment and their delinquency status, at December 31, 2019 (dollars in thousands):

    

30-89 Days

    

Greater than

    

    

Past Due

90 Days

Current

Total

Construction and Land Development

$

136

$

343

$

10,465

$

10,944

Commercial Real Estate - Owner Occupied

 

480

 

6,884

 

20,074

 

27,438

Commercial Real Estate - Non-Owner Occupied

 

848

 

987

 

12,730

 

14,565

Multifamily Real Estate

 

 

 

94

 

94

Commercial & Industrial

 

 

989

 

590

 

1,579

Residential 1-4 Family - Commercial

 

543

 

1,995

 

9,667

 

12,205

Residential 1-4 Family - Consumer

 

927

 

1,781

 

12,005

 

14,713

Residential 1-4 Family - Revolving

 

287

 

205

 

3,635

 

4,127

Auto

 

 

 

4

 

4

Consumer

9

659

668

Other Commercial

 

 

 

344

 

344

Total

$

3,221

$

13,193

$

70,267

$

86,681

The following table shows the PCI loan portfolios, by segment and their delinquency status, at December 31, 2018 (dollars in thousands):

    

30-89 Days

    

Greater than

    

    

Past Due

90 Days

Current

Total

Construction and Land Development

$

108

$

1,424

$

7,122

$

8,654

Commercial Real Estate - Owner Occupied

 

658

 

4,281

 

20,705

 

25,644

Commercial Real Estate - Non-Owner Occupied

 

61

 

1,810

 

15,464

 

17,335

Multifamily Real Estate

 

 

 

88

 

88

Commercial & Industrial

 

47

 

1,092

 

1,017

 

2,156

Residential 1-4 Family - Commercial

 

871

 

3,454

 

9,276

 

13,601

Residential 1-4 Family - Consumer

 

1,959

 

2,422

 

12,491

 

16,872

Residential 1-4 Family - Revolving

 

498

 

252

 

4,365

 

5,115

Auto

7

7

Consumer

5

9

18

32

Other Commercial

 

57

 

 

660

 

717

Total

$

4,264

$

14,744

$

71,213

$

90,221

Loans Receivables Related Risk Rating

The following table shows the recorded investment in only PCI loans by segment with their related risk level as of December 31, 2019 (dollars in thousands):

    

Pass

    

Watch & Special Mention

    

Substandard

    

Doubtful

    

Total

Construction and Land Development

$

1,092

$

3,692

$

6,160

$

$

10,944

Commercial Real Estate - Owner Occupied

 

8,264

 

10,524

 

8,650

 

 

27,438

Commercial Real Estate - Non-Owner Occupied

 

3,826

 

9,415

 

1,324

 

 

14,565

Multifamily Real Estate

 

 

94

 

 

 

94

Commercial & Industrial

 

127

 

25

 

1,427

 

 

1,579

Residential 1-4 Family - Commercial

 

6,000

 

2,693

 

3,512

 

 

12,205

Residential 1-4 Family - Consumer

 

9,947

 

557

 

4,209

 

 

14,713

Residential 1-4 Family - Revolving

 

2,887

 

707

 

533

 

 

4,127

Auto

 

2

 

 

2

 

 

4

Consumer

 

657

 

 

11

 

 

668

Other Commercial

120

224

344

Total

$

32,922

$

27,931

$

25,828

$

$

86,681

The following table shows the recorded investment in only PCI loans by segment with their related risk level as of December 31, 2018 (dollars in thousands):

    

Pass

    

Watch & Special Mention

    

Substandard

    

Doubtful

    

Total

Construction and Land Development

$

1,835

$

1,308

$

5,511

$

$

8,654

Commercial Real Estate - Owner Occupied

 

8,347

 

6,685

 

10,612

 

 

25,644

Commercial Real Estate - Non-Owner Occupied

 

4,789

 

7,992

 

4,554

 

 

17,335

Multifamily Real Estate

 

 

88

 

 

 

88

Commercial & Industrial

 

762

 

134

 

1,260

 

 

2,156

Residential 1-4 Family - Commercial

 

6,476

 

2,771

 

4,354

 

 

13,601

Residential 1-4 Family - Consumer

 

9,930

 

1,030

 

5,912

 

 

16,872

Residential 1-4 Family - Revolving

 

3,438

 

1,031

 

646

 

 

5,115

Auto

7

7

Consumer

 

17

 

 

15

 

 

32

Other Commercial

57

660

717

Total

$

35,658

$

21,699

$

32,864

$

$

90,221