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Loans and Leases Held for Investment and Credit Quality (Tables)

12 Months Ended

Dec. 31, 2019

Loans and leases consist of the following:

	December 31, 2019			December 31, 2018
Commercial & Industrial
Agriculture	$	9,344		$	6,400
Funeral Home & Cemetery		26,388			17,378
Healthcare		45,581			51,082
Independent Pharmacies		106,096			108,783
Registered Investment Advisors		99,191			94,338
Veterinary Industry		51,251			45,604
Other Industries		557,146			295,163
Total		894,997			618,748
Construction & Development
Agriculture		44,571			43,454
Funeral Home & Cemetery		9,033			9,874
Healthcare		94,742			81,619
Independent Pharmacies		443			2,149
Registered Investment Advisors		2,404			1,232
Veterinary Industry		22,132			14,094
Other Industries		173,993			96,482
Total		347,318			248,904
Commercial Real Estate
Agriculture		50,365			53,085
Funeral Home & Cemetery		113,517			71,344
Healthcare		247,625			188,531
Independent Pharmacies		26,379			20,597
Registered Investment Advisors		7,431			7,905
Veterinary Industry		146,319			136,721
Other Industries		461,157			260,847
Total		1,052,793			739,030
Commercial Land
Agriculture		344,732			243,798
Total		344,732			243,798
Total Loans and Leases ¹		2,639,840			1,850,480
Net Deferred Costs		11,400			5,960
Discount on SBA 7(a) and USDA Unguaranteed ²		(3,941	)		(13,021	)
Loans and Leases, Net of Unearned	$	2,647,299		$	1,843,419

1	Total loans and leases include $700.6 million and $305.4 million of U.S. government guaranteed loans as of December 31, 2019 and December 31, 2018, respectively.

2	The Company measures the carrying value of the retained portion of loans sold at fair value under ASC Subtopic 825-10. The value of these retained loan balances is discounted based on the estimates derived from comparable unguaranteed loan sales.

Summary of Risk Grades of Each Category of Loans

The following tables summarize the risk grades of each category:

December 31, 2019	Risk Grades 1 - 4		Risk Grade 5		Risk Grades 6 - 8		Total
Commercial & Industrial
Agriculture	$	8,684	$	219	$	441	$	9,344
Funeral Home & Cemetery		24,446		1,942		—		26,388
Healthcare		36,151		1,429		8,001		45,581
Independent Pharmacies		92,964		6,986		6,146		106,096
Registered Investment Advisors		95,613		2,066		1,512		99,191
Veterinary Industry		46,936		1,718		2,597		51,251
Other Industries		506,070		38,217		12,859		557,146
Total		810,864		52,577		31,556		894,997
Construction & Development
Agriculture		44,571		—		—		44,571
Funeral Home & Cemetery		9,033		—		—		9,033
Healthcare		90,454		3,582		706		94,742
Independent Pharmacies		443		—		—		443
Registered Investment Advisors		2,404		—		—		2,404
Veterinary Industry		22,132		—		—		22,132
Other Industries		162,098		11,895		—		173,993
Total		331,135		15,477		706		347,318
Commercial Real Estate
Agriculture		47,187		1,093		2,085		50,365
Funeral Home & Cemetery		105,753		5,987		1,777		113,517
Healthcare		201,322		16,740		29,563		247,625
Independent Pharmacies		16,385		2,037		7,957		26,379
Registered Investment Advisors		7,431		—		—		7,431
Veterinary Industry		127,893		8,671		9,755		146,319
Other Industries		415,536		37,254		8,367		461,157
Total		921,507		71,782		59,504		1,052,793
Commercial Land
Agriculture		306,046		10,118		28,568		344,732
Total		306,046		10,118		28,568		344,732
Total¹	$	2,369,552	$	149,954	$	120,334	$	2,639,840

December 31, 2018	Risk Grades 1 - 4		Risk Grade 5		Risk Grades 6 - 8		Total
Commercial & Industrial
Agriculture	$	6,187	$	213	$	—	$	6,400
Funeral Home & Cemetery		17,085		287		6		17,378
Healthcare		38,908		2,502		9,672		51,082
Independent Pharmacies		93,976		5,734		9,073		108,783
Registered Investment Advisors		88,614		2,381		3,343		94,338
Veterinary Industry		42,175		1,190		2,239		45,604
Other Industries		272,771		18,463		3,929		295,163
Total		559,716		30,770		28,262		618,748
Construction & Development
Agriculture		43,454		—		—		43,454
Funeral Home & Cemetery		9,874		—		—		9,874
Healthcare		79,814		1,805		—		81,619
Independent Pharmacies		2,149		—		—		2,149
Registered Investment Advisors		1,232		—		—		1,232
Veterinary Industry		14,094		—		—		14,094
Other Industries		96,482		—		—		96,482
Total		247,099		1,805		—		248,904
Commercial Real Estate
Agriculture		52,518		567		—		53,085
Funeral Home & Cemetery		64,487		3,711		3,146		71,344
Healthcare		161,026		7,696		19,809		188,531
Independent Pharmacies		12,509		2,495		5,593		20,597
Registered Investment Advisors		7,780		125		—		7,905
Veterinary Industry		117,879		4,205		14,637		136,721
Other Industries		255,651		5,196		—		260,847
Total		671,850		23,995		43,185		739,030
Commercial Land
Agriculture		223,826		8,914		11,058		243,798
Total		223,826		8,914		11,058		243,798
Total¹	$	1,702,491	$	65,484	$	82,505	$	1,850,480

Total loans and leases include $700.6 million of U.S. government guaranteed loans as of December 31, 2019, segregated by risk grade as follows: Risk Grades 1 – 4 = $561.6 million, Risk Grade 5 = $57.5 million, Risk Grades 6 – 8 = $81.6 million. As of December 31, 2018, total loans and leases include $305.4 million of U.S. government guaranteed loans, segregated by risk grade as follows: Risk Grades 1 – 4 = $236.1 million, Risk Grade 5 = $10.1 million, Risk Grades 6 – 8 = $59.2 million.

Age Analysis of Past Due Loans and Leases

The following tables show an age analysis of past due loans and leases as of the dates presented.

December 31, 2019	Less Than 30 Days Past Due & Not Accruing		30-89 Days Past Due & Accruing		30-89 Days Past Due & Not Accruing		Greater Than 90 Days Past Due		Total Not Accruing & Past Due		Current		Total Loans and Leases		90 Days or More Past Due & Still Accruing
Commercial & Industrial
Agriculture	$	269	$	—	$	—	$	—	$	269	$	9,075	$	9,344	$	—
Funeral Home & Cemetery		—		—		—		—		—		26,388		26,388		—
Healthcare		28		—		1,725		4,731		6,484		39,097		45,581		—
Independent Pharmacies		2,725		59		—		3,261		6,045		100,051		106,096		—
Registered Investment Advisors		—		252		1,132		143		1,527		97,664		99,191		—
Veterinary Industry		—		—		504		1,457		1,961		49,290		51,251		—
Other Industries		—		8,366		517		6,395		15,278		541,868		557,146		—
Total		3,022		8,677		3,878		15,987		31,564		863,433		894,997		—
Construction & Development
Agriculture		—		—		—		—		—		44,571		44,571		—
Funeral Home & Cemetery		—		—		—		—		—		9,033		9,033		—
Healthcare		—		—		—		—		—		94,742		94,742		—
Independent Pharmacies		—		—		—		—		—		443		443		—
Registered Investment Advisors		—		—		—		—		—		2,404		2,404		—
Veterinary Industry		—		—		—		—		—		22,132		22,132		—
Other Industries		—		—		—		—		—		173,993		173,993		—
Total		—		—		—		—		—		347,318		347,318		—
Commercial Real Estate
Agriculture		2,085		—		—		—		2,085		48,280		50,365		—
Funeral Home & Cemetery		127		2,542		—		1,650		4,319		109,198		113,517		—
Healthcare		—		4,976		28		12,766		17,770		229,855		247,625		—
Independent Pharmacies		—		—		930		5,708		6,638		19,741		26,379		—
Registered Investment Advisors		—		—		—		—		—		7,431		7,431		—
Veterinary Industry		865		586		1,727		2,964		6,142		140,177		146,319		—
Other Industries		—		7,027		—		—		7,027		454,130		461,157		—
Total		3,077		15,131		2,685		23,088		43,981		1,008,812		1,052,793		—
Commercial Land
Agriculture		24,570		965		—		—		25,535		319,197		344,732		—
Total		24,570		965		—		—		25,535		319,197		344,732		—
Total¹	$	30,669	$	24,773	$	6,563	$	39,075	$	101,080	$	2,538,760	$	2,639,840	$	—

December 31, 2018	Less Than 30 Days Past Due & Not Accruing		30-89 Days Past Due & Accruing		30-89 Days Past Due & Not Accruing		Greater Than 90 Days Past Due		Total Not Accruing & Past Due		Current		Total Loans and Leases		90 Days or More Past Due & Still Accruing
Commercial & Industrial
Agriculture	$	—	$	—	$	—	$	—	$	—	$	6,400	$	6,400	$	—
Funeral Home & Cemetery		—		—		—		—		—		17,378		17,378		—
Healthcare		41		1,027		665		6,821		8,554		42,528		51,082		—
Independent Pharmacies		1,399		29		—		7,570		8,998		99,785		108,783		—
Registered Investment Advisors		—		232		320		2,741		3,293		91,045		94,338		—
Veterinary Industry		—		—		600		906		1,506		44,098		45,604		—
Other Industries		2,669		166		—		504		3,339		291,824		295,163		—
Total		4,109		1,454		1,585		18,542		25,690		593,058		618,748		—
Construction & Development
Agriculture		—		—		—		—		—		43,454		43,454		—
Funeral Home & Cemetery		—		—		—		—		—		9,874		9,874		—
Healthcare		—		—		—		—		—		81,619		81,619		—
Independent Pharmacies		—		—		—		—		—		2,149		2,149		—
Registered Investment Advisors		—		—		—		—		—		1,232		1,232		—
Veterinary Industry		—		—		—		—		—		14,094		14,094		—
Other Industries		—		—		—		—		—		96,482		96,482		—
Total		—		—		—		—		—		248,904		248,904		—
Commercial Real Estate
Agriculture		—		—		—		—		—		53,085		53,085		—
Funeral Home & Cemetery		248		—		—		2,762		3,010		68,334		71,344		—
Healthcare		42		1,668		—		7,417		9,127		179,404		188,531		—
Independent Pharmacies		—		3,400		—		2,193		5,593		15,004		20,597		—
Registered Investment Advisors		—		—		—		—		—		7,905		7,905		—
Veterinary Industry		1,644		3,757		2,899		5,191		13,491		123,230		136,721		—
Other Industries		—		10,743		—		—		10,743		250,104		260,847		—
Total		1,934		19,568		2,899		17,563		41,964		697,066		739,030		—
Commercial Land
Agriculture		6,277		—		—		4,781		11,058		232,740		243,798		—
Total		6,277		—		—		4,781		11,058		232,740		243,798		—
Total¹	$	12,320	$	21,022	$	4,484	$	40,886	$	78,712	$	1,771,768		1,850,480	$	—

Total loans and leases include $700.6 million of U.S. government guaranteed loans as of December 31, 2019, of which $30.1 million is greater than 90 days past due, $20.7 million is 30-89 days past due and $649.8 million is included in current loans and leases as presented above. As of December 31, 2018, total loans and leases include $305.4 million of U.S. government guaranteed loans, of which $33.4 million is greater than 90 days past due, $9.0 million is 30-89 days past due and $263.0 million is included in current loans and leases as presented above.

Nonaccrual Loans and Leases

Nonaccrual loans and leases as of December 31, 2019 and December 31, 2018 are as follows:

December 31, 2019	Loan and Lease Balance		Guaranteed Balance		Unguaranteed Exposure
Commercial & Industrial
Agriculture	$	269	$	215	$	54
Healthcare		6,484		5,516		968
Independent Pharmacies		5,986		5,187		799
Registered Investment Advisors		1,275		956		319
Veterinary Industry		1,961		1,812		149
Other Industries		6,912		5,577		1,335
Total		22,887		19,263		3,624
Commercial Real Estate
Agriculture		2,085		1,564		521
Funeral Home & Cemetery		1,777		1,293		484
Healthcare		12,794		7,616		5,178
Independent Pharmacies		6,638		5,673		965
Veterinary Industry		5,556		4,602		954
Total		28,850		20,748		8,102
Commercial Land
Agriculture		24,570		18,388		6,182
Total		24,570		18,388		6,182
Total	$	76,307	$	58,399	$	17,908

December 31, 2018	Loan and Lease Balance		Guaranteed Balance		Unguaranteed Exposure
Commercial & Industrial
Healthcare	$	7,527	$	6,517	$	1,010
Independent Pharmacies		8,969		7,896		1,073
Registered Investment Advisors		3,061		2,427		634
Veterinary Industry		1,506		1,361		145
Other Industries		3,173		2,147		1,026
Total		24,236		20,348		3,888
Commercial Real Estate
Funeral Home & Cemetery		3,010		2,260		750
Healthcare		7,459		4,963		2,496
Independent Pharmacies		2,193		1,863		330
Veterinary Industry		9,734		8,271		1,463
Total		22,396		17,357		5,039
Commercial Land
Agriculture		11,058		5,497		5,561
Total		11,058		5,497		5,561
Total	$	57,690	$	43,202	$	14,488

Activity in the Allowance for Loan and Lease Losses by Portfolio Segment

The following tables detail activity in the allowance for loan and lease losses by portfolio segment allowance for the periods presented:

	Construction & Development		Commercial Real Estate			Commercial & Industrial			Commercial Land			Total
December 31, 2019
Beginning Balance	$	2,042	$	11,044		$	14,562		$	4,786		$	32,434
Charge offs		—		(1,179	)		(2,784	)		(327	)		(4,290	)
Recoveries		—		33			492			5			530
Provision		689		4,684			13,143			1,057			19,573
Ending Balance	$	2,731	$	14,582		$	25,413		$	5,521		$	48,247

December 31, 2018
Beginning Balance	$	2,030	$	9,180		$	10,751		$	2,229		$	24,190
Charge offs		—		(1,041	)		(4,215	)		(241	)		(5,497	)
Recoveries		—		190			493			—			683
Provision		12		2,715			7,533			2,798			13,058
Ending Balance	$	2,042	$	11,044		$	14,562		$	4,786		$	32,434

December 31, 2017
Beginning Balance	$	1,693	$	5,897		$	8,413		$	2,206		$	18,209
Charge offs		—		(1,177	)		(2,617	)		(58	)		(3,852	)
Recoveries		—		191			101			5			297
Provision		337		4,269			4,854			76			9,536
Ending Balance	$	2,030	$	9,180		$	10,751		$	2,229		$	24,190

The following tables detail the recorded allowance for loan and lease losses and the investment in loans and lease related to each portfolio segment, disaggregated on the basis of impairment evaluation methodology:

December 31, 2019	Construction & Development		Commercial Real Estate		Commercial & Industrial		Commercial Land		Total
Allowance for Loan and Lease Losses:
Loans and leases individually evaluated for impairment	$	17	$	4,818	$	7,676	$	4,426	$	16,937
Loans and leases collectively evaluated for impairment		2,714		9,764		17,737		1,095		31,310
Total allowance for loan and lease losses	$	2,731	$	14,582	$	25,413	$	5,521	$	48,247
Loans and leases receivable ¹:
Loans and leases individually evaluated for impairment	$	719	$	70,873	$	34,434	$	45,621	$	151,647
Loans and leases collectively evaluated for impairment		346,599		981,920		860,563		299,111		2,488,193
Total loans and leases receivable	$	347,318	$	1,052,793	$	894,997	$	344,732	$	2,639,840

December 31, 2018	Construction & Development		Commercial Real Estate		Commercial & Industrial		Commercial Land		Total
Allowance for Loan and Lease Losses:
Loans and leases individually evaluated for impairment	$	118	$	2,424	$	2,598	$	3,951	$	9,091
Loans and leases collectively evaluated for impairment		1,924		8,620		11,964		835		23,343
Total allowance for loan and lease losses	$	2,042	$	11,044	$	14,562	$	4,786	$	32,434
Loans and Leases Receivable ¹:
Loans and leases individually evaluated for impairment	$	5,027	$	46,731	$	28,659	$	21,997	$	102,414
Loans and leases collectively evaluated for impairment		243,877		692,299		590,089		221,801		1,748,066
Total loans and leases receivable	$	248,904	$	739,030	$	618,748	$	243,798	$	1,850,480

Loans and leases receivable includes $700.6 million of U.S. government guaranteed loans as of December 31, 2019, of which $103.8 million are impaired. As of December 31, 2018, loans and leases receivable includes $305.4 million of U.S. government guaranteed loans, of which $72.4 million are considered impaired.

Impaired Loans and Leases

Loans and leases classified as impaired as of the dates presented are summarized in the following tables.

December 31, 2019	Recorded Investment		Guaranteed Balance		Unguaranteed Exposure
Commercial & Industrial
Agriculture	$	455	$	289	$	166
Healthcare		8,023		5,516		2,507
Independent Pharmacies		6,148		5,187		961
Registered Investment Advisors		1,506		956		550
Veterinary Industry		2,645		2,186		459
Other Industries		15,657		8,019		7,638
Total		34,434		22,153		12,281
Construction & Development
Healthcare		719		530		189
Total		719		530		189
Commercial Real Estate
Agriculture		2,085		1,564		521
Funeral Home & Cemetery		1,780		1,293		487
Healthcare		29,676		17,025		12,651
Independent Pharmacies		7,964		6,662		1,302
Veterinary Industry		12,648		8,850		3,798
Other Industries		16,720		11,620		5,100
Total		70,873		47,014		23,859
Commercial Land
Agriculture		45,621		34,121		11,500
Total		45,621		34,121		11,500
Total	$	151,647	$	103,818	$	47,829

December 31, 2018	Recorded Investment		Guaranteed Balance		Unguaranteed Exposure
Commercial & Industrial
Agriculture	$	7	$	—	$	7
Funeral Home & Cemetery		6		—		6
Healthcare		9,668		7,229		2,439
Independent Pharmacies		9,356		7,896		1,460
Registered Investment Advisors		3,347		2,427		920
Veterinary Industry		2,326		1,819		507
Other Industries		3,949		2,304		1,645
Total		28,659		21,675		6,984
Construction & Development
Agriculture		5,027		3,704		1,323
Total		5,027		3,704		1,323
Commercial Real Estate
Agriculture		1,798		1,299		499
Funeral Home & Cemetery		3,143		2,261		882
Healthcare		20,442		14,559		5,883
Independent Pharmacies		5,633		4,079		1,554
Veterinary Industry		15,715		11,613		4,102
Total		46,731		33,811		12,920
Commercial Land
Agriculture		21,997		13,177		8,820
Total		21,997		13,177		8,820
Total	$	102,414	$	72,367	$	30,047

The following table presents evaluated balances of loans and leases classified as impaired at the dates presented that carried an associated reserve as compared to those with no reserve. The recorded investment includes accrued interest and net deferred loan and lease fees or costs.

	December 31, 2019
	Recorded Investment
	With a Recorded Allowance		With No Recorded Allowance		Total		Unpaid Principal Balance		Related Allowance Recorded
Commercial & Industrial
Agriculture	$	449	$	6	$	455	$	465	$	99
Healthcare		8,023		—		8,023		8,729		1,422
Independent Pharmacies		6,047		101		6,148		7,195		327
Registered Investment Advisors		1,506		—		1,506		1,512		381
Veterinary Industry		2,486		159		2,645		2,935		140
Other Industries		15,459		198		15,657		16,403		5,307
Total		33,970		464		34,434		37,239		7,676
Construction & Development
Healthcare		719		—		719		706		17
Total		719		—		719		706		17
Commercial Real Estate
Agriculture		2,085		—		2,085		2,085		45
Funeral Home & Cemetery		1,653		127		1,780		1,851		193
Healthcare		27,834		1,842		29,676		29,581		2,765
Independent Pharmacies		7,964		—		7,964		8,248		352
Veterinary Industry		11,952		696		12,648		13,816		1,207
Other Industries		16,001		719		16,720		16,358		256
Total		67,489		3,384		70,873		71,939		4,818
Commercial Land
Agriculture		45,621		—		45,621		45,696		4,426
Total		45,621		—		45,621		45,696		4,426
Total Impaired Loans and Leases	$	147,799	$	3,848	$	151,647	$	155,580	$	16,937

	December 31, 2018
	Recorded Investment
	With a Recorded Allowance		With No Recorded Allowance		Total		Unpaid Principal Balance		Related Allowance Recorded
Commercial & Industrial
Agriculture	$	—	$	7	$	7	$	6	$	—
Funeral Home & Cemetery		—		6		6		6		—
Healthcare		9,604		64		9,668		10,432		827
Independent Pharmacies		9,032		324		9,356		10,564		478
Registered Investment Advisors		3,347		—		3,347		3,839		811
Veterinary Industry		2,160		166		2,326		2,593		65
Other Industries		3,496		453		3,949		4,097		417
Total		27,639		1,020		28,659		31,537		2,598
Construction & Development
Agriculture		5,027		—		5,027		4,939		118
Total		5,027		—		5,027		4,939		118
Commercial Real Estate
Agriculture		1,798		—		1,798		1,732		93
Funeral Home & Cemetery		2,859		284		3,143		3,281		30
Healthcare		20,211		231		20,442		20,461		1,145
Independent Pharmacies		5,184		449		5,633		5,884		220
Veterinary Industry		15,606		109		15,715		16,677		936
Total		45,658		1,073		46,731		48,035		2,424
Commercial Land
Agriculture		21,997		—		21,997		22,147		3,951
Total		21,997		—		21,997		22,147		3,951
Total Impaired Loans and Leases	$	100,321	$	2,093	$	102,414	$	106,658	$	9,091

The following table presents the average recorded investment of impaired loans and leases for each period presented and interest income recognized during the period in which the loans and leases were considered impaired.

	December 31, 2019				December 31, 2018				December 31, 2017
	Average Balance		Interest Income Recognized		Average Balance		Interest Income Recognized		Average Balance		Interest Income Recognized
Commercial & Industrial
Agriculture	$	405	$	2	$	6	$	—	$	—	$	—
Funeral Home & Cemetery		—		—		6		—		8		—
Healthcare		8,446		113		9,825		95		6,101		53
Independent Pharmacies		6,452		19		8,510		40		6,018		100
Registered Investment Advisors		1,733		18		3,197		38		759		50
Veterinary Industry		2,682		49		2,451		69		2,523		45
Other Industries		15,390		189		3,997		48		—		—
Total		35,108		390		27,992		290		15,409		248
Construction & Development
Agriculture		—		—		4,951		20		—		—
Healthcare		722		22		—		—		1,240		11
Total		722		22		4,951		20		1,240		11
Commercial Real Estate
Agriculture		1,773		—		1,738		10		—		—
Funeral Home & Cemetery		1,898		2		3,204		91		2,882		50
Healthcare		27,980		955		19,845		515		4,381		49
Independent Pharmacies		7,276		111		6,021		22		1,708		—
Veterinary Industry		13,126		406		—		—		—		—
Other Industries		13,681		377		16,735		437		14,605		536
Total		65,734		1,851		47,543		1,075		23,576		635
Commercial Land
Agriculture		37,217		954		22,138		188		113		—
Total		37,217		954		22,138		188		113		—
Total	$	138,781	$	3,217	$	102,624	$	1,573	$	40,338	$	894

Troubled Debt Restructurings on Financing Receivables

The following table represent the types of TDRs that were made during the periods presented:

	December 31, 2019				December 31, 2018				December 31, 2017
	All Restructurings				All Restructurings				All Restructurings
	Number of Loans and Leases		Recorded Investment at period end		Number of Loans and Leases		Recorded Investment at period end		Number of Loans and Leases		Recorded Investment at period end
Interest Only
Construction and Development
Healthcare		—	$	—		1	$	634		—	$	—
Commercial & Industrial
Other Industries		1		348		—		—		—		—
Total Interest Only		1		348		1		634		—		—
Rate Concession
Commercial Land
Agriculture		1		87		—		—		—		—
Total Rate Concession		1		87		—		—		—		—
Interest Only & Rate Concession
Commercial Land
Agriculture		—		—		4		10,240		—		—
Total Interest Only & Rate Concession		—		—		4		10,240		—		—
Extended Amortization
Construction and Development
Agriculture		—		—		1		3,067		—		—
Commercial Land
Agriculture		1		1,566		1		6		—		—
Total Extended Amortization		1		1,566		2		3,073		—		—
Extended Amortization and Rate Concession
Construction and Development
Agriculture		—		—		1		1,872		—		—
Commercial Real Estate
Agriculture		—		—		1		1,732		—		—
Commercial & Industrial
Registered Investment Advisors		—		—		1		1,254		—		—
Commercial Land
Agriculture		4		7,525		—		—		—		—
Total Extended Amortization and Rate Concession		4		7,525		3		4,858		—		—
Payment Deferral and Extended Amortization
Commercial Land
Agriculture		—		—		1		608		—		—
Commercial & Industrial
Independent Pharmacies		—		—		—		—		1		1,102
Total Payment Deferral and Extended Amortization		—		—		1		608		1		1,102
Payment Deferral & Rate Concession
Commercial Real Estate
Other Industries		2		3,701		—		—		—		—
Total Payment Deferral & Rate Concession		2		3,701		—		—		—		—
Payment Deferral
Commercial & Industrial
Veterinary Industry		—		—		—		—		2		127
Healthcare		1		574		—		—		—		—
Commercial Real Estate
Healthcare		1		1,841		—		—		—		—
Total Payment Deferral		2		2,415		—		—		2		127
Total		11	$	15,642		11	$	19,413		3	$	1,229