Student Loans (Tables)

9 Months Ended

Sep. 30, 2019

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, 2019 and December 31, 2018 (in 000's, except for number of borrowers):

	September 30, 2019					December 31, 2018
	Number of Loans	Amount		Accrued Interest		Number of Loans	Amount		Accrued Interest
School	586	$	23,477	$	4,049	1,056	$	42,852	$	5,494
Grace	404	18,619		3,765		23	562		81
Repayment	328	14,421		120		366	15,526		118
Deferment	73	2,158		108		48	1,945		79
Forbearance	169	6,980		134		181	7,336		212
Total	1,560	$	65,655	$	8,176	1,674	$	68,221	$	5,984

Summary of student loan aging

The following is a summary of delinquent loans at September 30, 2019 (in 000's):

September 30, 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	$	—	$	—	$	75	$	75	$	47,280	$	47,355	$	—
Government program loans	—		—		—		—		782		782		—
Total commercial and industrial	—		—		75		75		48,062		48,137		—
Commercial real estate loans	—		—		1,008		1,008		223,705		224,713		—
Residential mortgages	—		—		—		—		51,062		51,062		—
Home improvement and home equity loans	—		—		—		—		184		184		—
Total real estate mortgage	—		—		1,008		1,008		274,951		275,959		—
Real estate construction and development loans	—		—		8,825		8,825		107,618		116,443		—
Agricultural loans	455		—		144		599		59,501		60,100		—
Installment and student loans	1,225		317		326		1,868		67,480		69,348		326
Overdraft protection lines	—		—		—		—		38		38		—
Overdrafts	—		—		—		—		103		103		—
Total installment and student loans	1,225		317		326		1,868		67,621		69,489		326
Total loans	$	1,680	$	317	$	10,378	$	12,375	$	557,753	$	570,128	$	326

The following is a summary of delinquent loans at December 31, 2018 (in 000's):

December 31, 2018	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	$	—	$	—	$	—	$	—	$	55,929	$	55,929	$	—
Government program loans	—		—		—		—		1,049		1,049		—
Total commercial and industrial	—		—		—		—		56,978		56,978		—
Commercial real estate loans	—		—		389		389		229,059		229,448		—
Residential mortgages	32		—		—		32		59,399		59,431		—
Home improvement and home equity loans	—		—		—		—		321		321		—
Total real estate mortgage	32		—		389		421		288,779		289,200		—
Real estate construction and development loans	—		—		8,825		8,825		99,970		108,795		—
Agricultural loans	—		—		—		—		61,149		61,149		—
Installment and student loans	130		139		—		269		71,362		71,631		—
Overdraft protection lines	—		—		—		—		41		41		—
Overdrafts	—		—		—		—		139		139		—
Total installment and student loans	130		139		—		269		71,542		71,811		—
Total loans	$	162	$	139	$	9,214	$	9,515	$	578,418	$	587,933	$	—

The following tables summarize the student loan aging for loans in repayment and forbearance as of September 30, 2019 and December 31, 2018 (in 000's, except for number of borrowers):

	September 30, 2019			December 31, 2018
	Number of Borrowers	Amount		Number of Borrowers	Amount
Current or less than 31 days	200	$	19,533	248	$	22,534
31 - 60 days	10	1,225		2	130
61 - 90 days	4	317		4	140
91 - 120 days	3	299		1	58
121-180 days	1	27		—	—
Total	218	$	21,401	255	$	22,862