Student Loans (Tables)

9 Months Ended

Sep. 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 September 30, 2020 and December 31, 2019 (in 000's, except for number of borrowers):

	September 30, 2020					December 31, 2019
	Number of Loans	Amount		Accrued Interest		Number of Loans	Amount		Accrued Interest
School	320	$	12,758	$	2,940	601	$	24,198	$	4,689
Grace	212	9,379		2,434		49	1,598		394
Repayment	547	24,322		577		507	24,986		203
Deferment	162	7,044		445		124	4,392		204
Forbearance	109	5,174		153		224	10,626		188
Total	1,350	$	58,677	$	6,549	1,505	$	65,800	$	5,678

Summary of student loan aging

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

September 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	$	—	$	—	$	—	$	—	$	39,218	$	39,218	$	—
Government program loans	—		—		—		—		26,524		26,524		—
Total commercial and industrial	—		—		—		—		65,742		65,742		—
Commercial real estate loans	—		—		—		—		264,013		264,013		—
Residential mortgages	266		—		—		266		45,456		45,722		—
Home improvement and home equity loans	—		—		—		—		114		114		—
Total real estate mortgage	266		—		—		266		309,583		309,849		—
Real estate construction and development loans	—		—		8,573		8,573		163,316		171,889		—
Agricultural loans	—		—		477		477		51,110		51,587		—
Installment and student loans	2,253		429		53		2,735		59,580		62,315		53
Overdraft protection lines	—		—		—		—		30		30		—
Overdrafts	—		—		—		—		70		70		—
Total installment and student loans	2,253		429		53		2,735		59,680		62,415		53
Total loans	$	2,519	$	429	$	9,103	$	12,051	$	649,431	$	661,482	$	53

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 September 30, 2020 and December 31, 2019 (in 000's, except for number of borrowers):

	September 30, 2020			December 31, 2019
	Number of Borrowers	Amount		Number of Borrowers	Amount
Current or less than 31 days	254	$	26,755	295	$	34,277
31 - 60 days	21	2,259		4	292
61 - 90 days	5	429		7	657
91 - 120 days	1	53		6	386
Total	281	$	29,496	312	$	35,612