Student Loans (Tables)

6 Months Ended

Jun. 30, 2020

Receivables [Abstract]

Credit quality indicators for outstanding student loans

The following tables summarize the credit quality indicators for outstanding student loans as of June 30, 2020 and December 31, 2019 (in 000's, except for number of borrowers):

	June 30, 2020					December 31, 2019
	Number of Loans	Amount		Accrued Interest		Number of Loans	Amount		Accrued Interest
School	386	$	14,495	$	3,315	601	$	24,198	$	4,689
Grace	188	8,939		2,106		49	1,598		394
Repayment	415	19,015		237		507	24,986		203
Deferment	93	4,368		242		124	4,392		204
Forbearance	308	13,716		439		224	10,626		188
Total	1,390	$	60,533	$	6,339	1,505	$	65,800	$	5,678

Summary of student loan aging

The following is a summary of delinquent loans at June 30, 2020 (in 000's):

June 30, 2020	Loans 30-60 Days Past Due		Loans 61-89 Days Past Due		Loans 90 or More Days Past Due		Total Past Due Loans		Current Loans		Total Loans		Accruing Loans 90 or More Days Past Due
Commercial and business loans	$	—	$	—	$	—	$	—	$	41,525	$	41,525	$	—
Government program loans	—		—		—		—		26,705		26,705		—
Total commercial and industrial	—		—		—		—		68,230		68,230		—
Commercial real estate loans	—		1,009		—		1,009		263,483		264,492		—
Residential mortgages	—		—		—		—		49,826		49,826		—
Home improvement and home equity loans	—		—		—		—		120		120		—
Total real estate mortgage	—		1,009		—		1,009		313,429		314,438		—
Real estate construction and development loans	—		—		8,573		8,573		145,082		153,655		—
Agricultural loans	—		—		514		514		48,465		48,979		—
Installment and student loans	209		292		269		770		63,328		64,098		269
Overdraft protection lines	—		—		—		—		30		30		—
Overdrafts	—		—		—		—		224		224		—
Total installment and student loans	209		292		269		770		63,582		64,352		269
Total loans	$	209	$	1,301	$	9,356	$	10,866	$	638,788	$	649,654	$	269

The following is a summary of delinquent loans at December 31, 2019 (in 000's):

December 31, 2019	Loans 30-60 Days Past Due		Loans 61-89 Days Past Due		Loans 90 or More Days Past Due		Total Past Due Loans		Current Loans		Total Loans		Accruing Loans 90 or More Days Past Due
Commercial and business loans	$	568	$	—	$	75	$	643	$	43,891	$	44,534	$	—
Government program loans	—		—		—		—		744		744		—
Total commercial and industrial	568		—		75		643		44,635		45,278		—
Commercial real estate loans	—		—		—		—		245,183		245,183		—
Residential mortgages	28		—		—		28		45,853		45,881		—
Home improvement and home equity loans	—		—		—		—		173		173		—
Total real estate mortgage	28		—		—		28		291,209		291,237		—
Real estate construction and development loans	—		—		8,825		8,825		129,959		138,784		—
Agricultural loans	957		423		144		1,524		50,673		52,197		—
Installment and student loans	292		657		386		1,335		68,280		69,615		386
Overdraft protection lines	—		—		—		—		33		33		—
Overdrafts	—		—		—		—		230		230		—
Total installment and student loans	292		657		386		1,335		68,543		69,878		386
Total loans	$	1,845	$	1,080	$	9,430	$	12,355	$	585,019	$	597,374	$	386

The following tables summarize the student loan aging for loans in repayment and forbearance as of June 30, 2020 and December 31, 2019 (in 000's, except for number of borrowers):

	June 30, 2020			December 31, 2019
	Number of Borrowers	Amount		Number of Borrowers	Amount
Current or less than 31 days	296	$	31,961	295	$	34,277
31 - 60 days	3	209		4	292
61 - 90 days	2	292		7	657
91 - 120 days	1	174		6	386
Over 120 days	1	95		—	—
Total	303	$	32,731	312	$	35,612