The recorded investment in loans is presented in the Consolidated Balance Sheets net of deferred loan fees and costs, and discounts on purchased loans. Net deferred loan fee income was $9.6 million and $6.2 million at June 30, 2021 and December 31, 2020, respectively. At June 30, 2021 and December 31, 2020, respectively, the balance included $17.6 million and $13.8 million of net deferred fee income from SBA Payroll Protection Program (“PPP”) loans. The un-accreted discount on purchased loans from acquisitions was $32.2 million at June 30, 2021 and $39.4 million at December 31, 2020.

The allowance for credit losses under the current expected credit losses methodology (“CECL”) is calculated utilizing the probability of default (“PD”) / loss given default (“LGD”), which is then discounted to net present value. PD is the probability the asset will default within a given time frame and LGD is the percentage of the asset not expected to be collected due to default. The primary macroeconomic drivers of the quantitative model include forecasts of national unemployment and interest rates, as well as modeling adjustments for changes in prepayment speeds, loan risk grades, portfolio mix, concentrations and loan growth. For the calculation as of June 30, 2021, the one-year forecast was based upon a blended rate from two nationally-recognized published economic forecasts through June 30, 2021, and is primarily driven by the national unemployment and interest rate spread forecasts. Wesbanco’s blended forecast of national unemployment, at quarter end, was projected to peak at 5.2% in the third quarter, and subsequently decrease to an average of 4.2% over the remainder of the forecast period. The calculation utilized a one-year reversion period back to the Company’s historical loss rate by loan classification. Included in the qualitative factors were COVID-19 pandemic factors related to the transient credit risk not covered by the traditional allowance process, adjusted to Wesbanco’s regional footprint, deferred interest on modified loans, and hospitality industry concentration. As of June 30, 2021, accrued interest receivable for loans was $50.5 million. Wesbanco made an accounting policy election to exclude accrued interest from the measurement of the allowance for credit losses because the Company has a robust policy in place to reverse or write-off accrued interest when loans are placed on non-accrual. However, Wesbanco does have a $0.2 million reserve on the accrued interest related to loan modifications allowed under the CARES Act due to the timing and nature of these modifications. As of June 30, 2021, accrued interest receivable related to COVID-19 loan modifications as permitted under the CARES Act was $24.1 million.

The following tables summarize changes in the allowance for credit losses applicable to each category of the loan portfolio:

	Allowance for Credit Losses By Category
	For the Six Months Ended June 30, 2021 and 2020
(unaudited, in thousands)	Commercial Real Estate - Land and Construction			Commercial Real Estate- Improved Property			Commercial & Industrial			Residential Real Estate			Home Equity			Consumer			Deposit Overdrafts			Total
Balance at December 31, 2020
Allowance for credit losses - loans	$	10,841		$	110,652		$	37,850		$	17,851		$	1,487		$	6,507		$	639		$	185,827
Allowance for credit losses - loan commitments		6,508			712			1,275			955			45			19			—			9,514
Total beginning allowance for credit losses - loans and loan commitments		17,349			111,364			39,125			18,806			1,532			6,526			639			195,341
Provision for credit losses:
Provision for loan losses		(4,740	)		(25,672	)		(8,090	)		(4,535	)		(719	)		(1,964	)		582			(45,138	)
Provision for loan commitments		(2,929	)		(618	)		(334	)		111			5			17			—			(3,748	)
Total provision for credit losses - loans and loan commitments		(7,669	)		(26,290	)		(8,424	)		(4,424	)		(714	)		(1,947	)		582			(48,886	)
Charge-offs		(22	)		(235	)		(814	)		(441	)		(274	)		(1,406	)		(365	)		(3,557	)
Recoveries		110			646			518			742			340			1,042			200			3,598
Net (charge-offs) recoveries		88			411			(296	)		301			66			(364	)		(165	)		41
Balance at June 30, 2021
Allowance for credit losses - loans		6,189			85,391			29,464			13,617			834			4,179			1,056			140,730
Allowance for credit losses - loan commitments		3,579			94			941			1,066			50			36			—			5,766
Total ending allowance for credit losses - loans and loan commitments	$	9,768		$	85,485		$	30,405		$	14,683		$	884		$	4,215		$	1,056		$	146,496

Balance at December 31, 2019
Allowance for credit losses - loans	$	4,949		$	20,293		$	14,116		$	4,311		$	4,422		$	2,951		$	1,387		$	52,429
Allowance for credit losses - loan commitments		235			22			311			15			250			41			—			874
Total beginning allowance for credit losses - loans and loan commitments		5,184			20,315			14,427			4,326			4,672			2,992			1,387			53,303
Impact of adopting ASC 326		1,524			13,078			22,357			5,630			(3,936	)		2,576			213			41,442
Provision for credit losses:
Provision for loan losses		6,388			58,706			10,390			4,554			1,486			3,102			(409	)		84,217
Provision for loan commitments		5,223			—			1,280			318			35			—			—			6,856
Total provision for credit losses - loans and loan commitments		11,611			58,706			11,670			4,872			1,521			3,102			(409	)		91,073
Charge-offs		(1	)		(1,895	)		(3,187	)		(667	)		(562	)		(2,183	)		(516	)		(9,011	)
Recoveries		77			396			227			376			255			768			254			2,353
Net (charge-offs) recoveries		76			(1,499	)		(2,960	)		(291	)		(307	)		(1,415	)		(262	)		(6,658	)
Balance at June 30, 2020
Allowance for credit losses - loans		10,335			90,600			43,632			13,824			1,900			7,255			929			168,475
Allowance for credit losses - loan commitments		8,060			—			1,862			713			50			—			—			10,685
Total ending allowance for credit losses - loans and loan commitments	$	18,395		$	90,600		$	45,494		$	14,537		$	1,950		$	7,255		$	929		$	179,160

The following tables present the allowance for credit losses and recorded investments in loans by category, as of each period-end:

	Allowance for Credit Losses and Recorded Investment in Loans
(unaudited, in thousands)	Commercial Real Estate- Land and Construction		Commercial Real Estate- Improved Property		Commercial and Industrial		Residential Real Estate		Home Equity		Consumer		Deposit Over- drafts		Total
June 30, 2021
Allowance for credit losses:
Loans individually-evaluated	$	466	$	3,973	$	1,505	$	—	$	—	$	—	$	—	$	5,944
Loans collectively-evaluated		5,723		81,418		27,959		13,617		834		4,179		1,056		134,786
Loan commitments		3,579		94		941		1,066		50		36		—		5,766
Total allowance for credit losses - loans and commitments	$	9,768	$	85,485	$	30,405	$	14,683	$	884	$	4,215	$	1,056	$	146,496

Portfolio loans:
Individually-evaluated for credit losses⁽¹⁾	$	1,334	$	39,907	$	1,820	$	—	$	—	$	—	$	—	$	43,061
Collectively-evaluated for credit losses		586,884		5,077,121		2,117,366		1,625,632		631,059		276,069		—		10,314,131
Total portfolio loans	$	588,218	$	5,117,028	$	2,119,186	$	1,625,632	$	631,059	$	276,069	$	—	$	10,357,192

December 31, 2020
Allowance for credit losses:
Loans individually-evaluated	$	602	$	4,196	$	1,484	$	—	$	—	$	—	$	—	$	6,282
Loans collectively-evaluated		10,239		106,456		36,366		17,851		1,487		6,507		639		179,545
Loan commitments		6,508		712		1,275		955		45		19		—		9,514
Total allowance for credit losses - loans and commitments	$	17,349	$	111,364	$	39,125	$	18,806	$	1,532	$	6,526	$	639	$	195,341

Portfolio loans:
Individually-evaluated for credit losses⁽¹⁾	$	1,455	$	40,372	$	2,863	$	—	$	—	$	—	$	—	$	44,690
Collectively-evaluated for credit losses		666,822		4,996,743		2,404,575		1,720,961		646,387		309,055		—		10,744,543
Total portfolio loans	$	668,277	$	5,037,115	$	2,407,438	$	1,720,961	$	646,387	$	309,055	$	—	$	10,789,233

Commercial loan risk grades are determined based on an evaluation of the relevant characteristics of each loan, assigned at inception and adjusted thereafter at any time to reflect changes in the risk profile throughout the life of each loan. The primary factors used to determine the risk grade are the sufficiency, reliability and sustainability of the primary source of repayment and overall financial strength of the borrower. The rating system more heavily weights the debt service coverage, leverage and loan to value factors to derive the risk grade. Other factors that are considered at a lesser weighting include management, industry or property type risks, payment history, collateral or guarantees.

Commercial real estate – land and construction consists of loans to finance investments in vacant land, land development, construction of residential housing, and construction of commercial buildings. Commercial real estate – improved property consists of loans for the purchase or refinance of all types of improved owner-occupied and investment properties. Factors that are considered in assigning the risk grade vary depending on the type of property financed. The risk grade assigned to construction and development loans is based on the overall viability of the project, the experience and financial capacity of the developer or builder to successfully complete the project, project specific and market absorption rates and comparable property values, and the amount of pre-sales for residential housing construction or pre-leases for commercial investment property. The risk grade assigned to commercial investment property loans is based primarily on the adequacy of the net operating income generated by the property to service the debt (“debt service coverage”), the loan to appraised value, the type, quality, industry and mix of tenants, and the terms of leases. The risk grade assigned to owner-occupied commercial real estate is based primarily on global debt service coverage and the leverage of the business, but may also consider the industry in which the business operates, the business’ specific competitive advantages or disadvantages, collateral margins and the quality and experience of management.

Commercial and industrial (“C&I”) loans consist of revolving lines of credit to finance accounts receivable, inventory and other general business purposes; term loans to finance fixed assets other than real estate, and letters of credit to support trade, insurance or governmental requirements for a variety of businesses. Most C&I borrowers are privately-held companies with annual sales up to $100 million. Primary factors that are considered in risk rating C&I loans include debt service coverage and leverage. Other factors including operating trends, collateral coverage along with management experience are also considered.

Pass loans are those that exhibit a history of positive financial results that are at least comparable to the average for their industry or type of real estate. The primary source of repayment is acceptable and these loans are expected to perform satisfactorily during most economic cycles. Pass loans typically have no significant external factors that are expected to adversely affect these borrowers more than others in the same industry or property type. Any minor unfavorable characteristics of these loans are outweighed or mitigated by other positive factors including but not limited to adequate secondary or tertiary sources of repayment.

Criticized loans, considered as compromised, have potential weaknesses that deserve management's close attention. If left uncorrected, these potential weaknesses may result in deterioration of the repayment prospects for the asset or in the bank's credit position at some future date. Criticized loans are not adversely classified by the banking regulators and do not expose the bank to sufficient risk to warrant adverse classification.

Classified loans, considered as substandard and doubtful, are equivalent to the classifications used by banking regulators. Substandard loans are inadequately protected by the current sound worth and paying capacity of the obligor or of the collateral pledged, if any. Loans so classified must have a well-defined weakness or weaknesses that jeopardize the liquidation of the debt. They are characterized by the distinct possibility that the bank will sustain some loss if the deficiencies are not corrected. These loans may or may not be reported as non-accrual. Doubtful loans have all the weaknesses inherent in those classified substandard, with the added characteristic that the weaknesses make collection or liquidation in full, on the basis of currently known facts, conditions, and values, highly questionable and improbable. These loans are reported as non-accrual.

Residential real estate, home equity and consumer loans are not assigned internal risk grades other than as required by regulatory guidelines that are based primarily on the age of past due loans. Wesbanco primarily evaluates the credit quality of residential real estate, home equity and consumer loans based on repayment performance and historical loss rates. The aggregate amount of residential real estate, home equity and consumer loans classified as substandard in accordance with regulatory guidelines was $31.1 million at June 30, 2021 and $27.7 million at December 31, 2020, of which $7.9 million and $4.1 million were accruing, for each period, respectively. The aggregate amount of residential real estate, home equity and consumer loans classified as substandard, as well as $26.0 million and $28.7 million of unfunded commercial loan commitments are not included in the tables above at June 30, 2021 and December 31, 2020, respectively.

	Age Analysis of Loans
(unaudited, in thousands)	Current		30-59 Days Past Due		60-89 Days Past Due		90 Days or More Past Due		Total Past Due		Total Loans		90 Days or More Past Due and Accruing (1)
As of June 30, 2021
Commercial real estate:
Land and construction	$	586,912	$	1,149	$	—	$	157	$	1,306	$	588,218	$	83
Improved property		5,095,475		5,517		5,855		10,181		21,553		5,117,028		2,453
Total commercial real estate		5,682,387		6,666		5,855		10,338		22,859		5,705,246		2,536
Commercial and industrial		2,108,882		1,964		1,096		7,244		10,304		2,119,186		3,224
Residential real estate		1,610,608		1,153		2,260		11,611		15,024		1,625,632		1,886
Home equity		625,173		2,135		417		3,334		5,886		631,059		409
Consumer		273,437		1,649		648		335		2,632		276,069		263
Total portfolio loans		10,300,487		13,567		10,276		32,862		56,705		10,357,192		8,318
Loans held for sale		41,461		—		—		—		—		41,461		—
Total loans	$	10,341,948	$	13,567	$	10,276	$	32,862	$	56,705	$	10,398,653	$	8,318

Nonperforming loans included above are as follows:
Non-accrual loans	$	9,140	$	825	$	1,710	$	24,537	$	27,072	$	36,212
TDRs accruing interest ⁽¹⁾		5,717		4		71		7		82		5,799
Total nonperforming loans	$	14,857	$	829	$	1,781	$	24,544	$	27,154	$	42,011

As of December 31, 2020
Commercial real estate:
Land and construction	$	664,990	$	582	$	2,276	$	429	$	3,287	$	668,277	$	288
Improved property		5,016,812		4,876		4,118		11,309		20,303		5,037,115		2,713
Total commercial real estate		5,681,802		5,458		6,394		11,738		23,590		5,705,392		3,001
Commercial and industrial		2,395,844		4,372		2,197		5,025		11,594		2,407,438		1,899
Residential real estate		1,698,636		2,614		5,654		14,057		22,325		1,720,961		2,863
Home equity		639,319		2,414		775		3,879		7,068		646,387		706
Consumer		305,483		1,998		1,031		543		3,572		309,055		377
Total portfolio loans		10,721,084		16,856		16,051		35,242		68,149		10,789,233		8,846
Loans held for sale		168,378		—		—		—		—		168,378		—
Total loans	$	10,889,462	$	16,856	$	16,051	$	35,242	$	68,149	$	10,957,611	$	8,846

Nonperforming loans included above are as follows:
Non-accrual loans	$	9,560	$	630	$	466	$	26,224	$	27,320	$	36,880
TDRs accruing interest ⁽¹⁾		3,540		63		152		172		387		3,927
Total nonperforming loans	$	13,100	$	693	$	618	$	26,396	$	27,707	$	40,807

	Nonperforming Loans
	June 30, 2021						December 31, 2020
	Unpaid						Unpaid
	Principal		Recorded		Related		Principal		Recorded		Related
(unaudited, in thousands)	Balance (1)		Investment		Allowance		Balance (1)		Investment		Allowance
With no related specific allowance recorded:
Commercial real estate:
Land and construction	$	74	$	74	$	—	$	469	$	469	$	—
Improved property		8,218		6,672		—		9,597		8,055	—
Commercial and industrial		4,897		4,669		—		4,401		3,413	—
Residential real estate		24,888		22,443		—		23,055		20,704	—
Home equity		6,664		5,766		—		6,635		5,708	—
Consumer		554		303		—		602		364	—
Total nonperforming loans without a specific allowance		45,295		39,927		—		44,759		38,713		—
With a specific allowance recorded:
Commercial real estate:
Land and construction		—		—		—	—		—		—
Improved property		2,094		2,084		214		2,094		2,094		136
Commercial and industrial		—		—		—	—		—		—
Residential real estate		—		—		—	—		—		—
Home equity		—		—		—	—		—		—
Consumer		—		—		—	—		—		—
Total nonperforming loans with a specific allowance		2,094		2,084		214		2,094		2,094		136
Total nonperforming loans	$	47,389	$	42,011	$	214	$	46,853	$	40,807	$	136

	Nonperforming Loans
	For the Three Months Ended								For the Six Months Ended
	June 30, 2021				June 30, 2020				June 30, 2021				June 30, 2020
	Average		Interest		Average		Interest		Average		Interest		Average		Interest
	Recorded		Income		Recorded		Income		Recorded		Income		Recorded		Income
(unaudited, in thousands)	Investment		Recognized		Investment		Recognized		Investment		Recognized		Investment		Recognized
With no related specific allowance recorded:
Commercial real estate:
Land and construction	$	97	$	—	$	405	$	—	$	221	$	—	$	463	$	—
Improved property		7,011		8		7,349		15		7,359		17		6,309		35
Commercial and industrial		3,172		2		2,862		3		3,252		3		6,679		6
Residential real estate		21,717		101		20,541		43		21,379		140		19,011		98
Home equity		5,668		3		6,015		6		5,681		9		5,880		12
Consumer		327		1		380		—		339		1		391		1
Total nonperforming loans without a specific allowance		37,992		115		37,552		67		38,231		170		38,733		152
With a specific allowance recorded:
Commercial real estate:
Land and construction		—		—		—		—				—		—		—
Improved property		2,084		—		2,632		—		2,087		—		3,057		—
Commercial and industrial		—		—		—		—		—		—		64		—
Residential real estate		—		—		—		—		—		—		1,464		—
Home equity		—		—		—		—		—		—		235		—
Consumer		—		—		—		—		—		—		18		—
Total nonperforming loans with a specific allowance		2,084		—		2,632		—		2,087		—		4,838		—
Total nonperforming loans	$	40,076	$	115	$	40,184	$	67	$	40,318	$	170	$	43,571	$	152

The following tables present the recorded investment in non-accrual loans and TDRs:

As of June 30, 2021, there was one borrower with a loan greater than $1.0 million totaling $1.1 million as compared to no TDRs greater than $1.0 million at December 31, 2020. The concessions granted in the majority of loans reported as accruing and non-accrual TDRs are extensions of the maturity date or the amortization period, reductions in the interest rate below the prevailing market rate for loans with comparable characteristics, and/or permitting interest-only payments for longer than six months. Wesbanco had unfunded commitments to debtors whose loans were classified as nonperforming of $0.8 million and $0.9 million, respectively, as of June 30, 2021 and December 31, 2020.

The following tables present details related to loans identified as TDRs during the three and six months ended June 30, 2021 and 2020, respectively:

	New TDRs (1)
	For the Three Months Ended
	June 30, 2021						June 30, 2020
			Pre-		Post-				Pre-		Post-
			Modification		Modification				Modification		Modification
			Outstanding		Outstanding				Outstanding		Outstanding
	Number of		Recorded		Recorded		Number of		Recorded		Recorded
(unaudited, dollars in thousands)	Modifications		Investment		Investment		Modifications		Investment		Investment
Commercial real estate:
Land and construction		—	$	—	$	—		—	$	—	$	—
Improved property		—		—		—		—		—		—
Total commercial real estate		—		—		—		—		—		—
Commercial and industrial		—		—		—		—		—		—
Residential real estate		2		2,041		2,057		—		—		—
Home equity		1		56		56		1		49		48
Consumer		—		—		—		1		8		8
Total		3	$	2,097	$	2,113		2	$	57	$	56

	New TDRs (1)
	For the Six Months Ended
	June 30, 2021						June 30, 2020
			Pre-		Post-				Pre-		Post-
			Modification		Modification				Modification		Modification
			Outstanding		Outstanding				Outstanding		Outstanding
	Number of		Recorded		Recorded		Number of		Recorded		Recorded
(unaudited, dollars in thousands)	Modifications		Investment		Investment		Modifications		Investment		Investment
Commercial real estate:
Land and construction		—	$	—	$	—		—	$	—	$	—
Improved property		—		—		—		—		—		—
Total commercial real estate		—		—		—		—		—		—
Commercial and industrial		—		—		—		—		—		—
Residential real estate		2		2,064		2,057		2		332		328
Home equity		1		56		56		1		50		48
Consumer		—		—		—		1		8		8
Total		3	$	2,120	$	2,113		4	$	390	$	384

(1) Excludes loans that were either paid off or charged-off by period end. The pre-modification balance represents the balance outstanding at the beginning of the period. The post-modification balance represents the outstanding balance at period end.

The following table summarizes TDRs which defaulted (defined as past due 90 days) during the six months ended June 30, 2021 and 2020, respectively, that were restructured within the last twelve months prior to June 30, 2021 and 2020, respectively:

TDRs that default are placed on non-accrual status unless they are both well-secured and in the process of collection. The loans in the table above were not accruing interest.

Section 4013 of the CARES Act allows financial institutions the option to temporarily suspend certain requirements under GAAP related to TDRs for a limited period of time during the COVID-19 pandemic. These customers must meet certain criteria, such as they were in good standing and not more than 30 days past due either as of December 31, 2019, or as of the implementation of the modification program under the Interagency Statement, as well as other requirements noted in the regulatory agencies’ revised statement. Based on this guidance, Wesbanco does not classify the COVID-19 loan modifications as TDRs, nor are the customers considered past due with regard to their delayed payments. Upon exiting the loan modification deferral program, the measurement of loan delinquency will resume where it left off upon entry into the program. Under the CARES Act, Wesbanco has modified approximately 3,553 loans totaling $2.2 billion, of which $151.6 million remain in their deferral period as of June 30, 2021. Wesbanco originally offered three to six months of deferred payments to commercial and retail customers impacted by the COVID-19 pandemic depending on the type of loan and the industry for commercial loans. In the fourth quarter of 2020, Wesbanco offered up to an additional twelve months of deferred payments to certain commercial loan customers, predominantly in the hospitality industry, based on specific criteria related to the borrower, the underlying property and the potential for guarantors / co-borrowers. On December 27, 2020, the Economic Aid to Hard-Hit Small Businesses, Nonprofits and Venues Act (“Economic Aid Act”) was signed into law and among other things, extended the relief granted by the CARES Act for TDRs, initially slated to end on December 31, 2020, by one year to December 31, 2021.

The following tables summarize amortized cost basis loan balances by year of origination and credit quality indicator:

	Loans As of June 30, 2021
	Amortized Cost Basis by Origination Year
(unaudited, in thousands)	2021		2020		2019		2018		2017		Prior		Revolving Loans Amortized Cost Basis		Revolving Loans Converted to Term		Total
Commercial real estate: land and construction
Risk rating:
Pass	$	73,210	$	152,277	$	229,044	$	37,823	$	25,554	$	39,097	$	24,592	$	—	$	581,597
Criticized - compromised		—		1,231		—		36		222		2,783		718		—		4,990
Classified - substandard		—		—		—		74		—		1,557		—		—		1,631
Classified - doubtful		—		—		—		—		—		—		—		—		—
Total	$	73,210	$	153,508	$	229,044	$	37,933	$	25,776	$	43,437	$	25,310	$	—	$	588,218

Commercial real estate: improved property
Risk rating:
Pass	$	368,546	$	798,091	$	687,356	$	600,389	$	441,913	$	1,770,502	$	66,697	$	—	$	4,733,494
Criticized - compromised		—		8,334		95,233		31,599		46,679		101,682		716		—		284,243
Classified - substandard		—		1,475		8,275		3,747		6,486		79,308		—		—		99,291
Classified - doubtful		—		—		—		—		—		—		—		—		—
Total	$	368,546	$	807,900	$	790,864	$	635,735	$	495,078	$	1,951,492	$	67,413	$	—	$	5,117,028

Commercial and industrial
Risk rating:
Pass	$	479,447	$	392,500	$	165,745	$	180,175	$	127,825	$	305,290	$	401,860	$	124	$	2,052,966
Criticized - compromised		25		3,875		1,805		3,026		2,572		6,689		12,223		—		30,215
Classified - substandard		—		683		22,989		1,655		1,800		4,940		3,938		—		36,005
Classified - doubtful		—		—		—		—		—		—		—		—		—
Total	$	479,472	$	397,058	$	190,539	$	184,856	$	132,197	$	316,919	$	418,021	$	124	$	2,119,186

Residential real estate
Loan delinquency:
Current	$	201,823	$	386,437	$	181,367	$	105,727	$	81,964	$	653,290	$	—	$	—	$	1,610,608
30-59 days past due		—		—		—		—		—		1,153		—		—		1,153
60-89 days past due		—		—		—		123		—		2,137		—		—		2,260
90 days or more past due		—		—		468		268		761		10,114		—		—		11,611
Total	$	201,823	$	386,437	$	181,835	$	106,118	$	82,725	$	666,694	$	—	$	—	$	1,625,632

Home equity
Loan delinquency:
Current	$	14,307	$	8,093	$	2,796	$	2,560	$	756	$	15,620	$	570,646	$	10,395	$	625,173
30-59 days past due		—		—		—		12		11		583		1,398		131		2,135
60-89 days past due		—		—		—		16		—		243		158		—		417
90 days or more past due		—		—		—		7		150		1,525		966		686		3,334
Total	$	14,307	$	8,093	$	2,796	$	2,595	$	917	$	17,971	$	573,168	$	11,212	$	631,059

Consumer
Loan delinquency:
Current	$	36,753	$	58,550	$	67,642	$	28,608	$	15,557	$	43,311	$	22,817	$	199	$	273,437
30-59 days past due		132		496		353		183		102		324		59		—		1,649
60-89 days past due		6		201		163		66		89		121		2		—		648
90 days or more past due		—		106		52		21		8		138		10		—		335
Total	$	36,891	$	59,353	$	68,210	$	28,878	$	15,756	$	43,894	$	22,888	$	199	$	276,069

	Loans As of December 31, 2020
	Amortized Cost Basis by Origination Year
(unaudited, in thousands)	2020		2019		2018		2017		2016		Prior		Revolving Loans Amortized Cost Basis		Revolving Loans Converted to Term		Total
Commercial real estate: land and construction
Risk rating:
Pass	$	133,720	$	314,614	$	109,232	$	27,483	$	16,404	$	29,685	$	26,297	$	—	$	657,435
Criticized - compromised		459		—		1,532		233		79		3,778		1,316		—		7,397
Classified - substandard		—		—		403		58		291		2,693		—		—		3,445
Classified - doubtful		—		—		—		—		—		—		—		—		—
Total	$	134,179	$	314,614	$	111,167	$	27,774	$	16,774	$	36,156	$	27,613	$	—	$	668,277

Commercial real estate: improved property
Risk rating:
Pass	$	809,516	$	670,554	$	646,629	$	474,622	$	572,733	$	1,346,552	$	89,120	$	—	$	4,609,726
Criticized - compromised		2,693		67,261		16,793		59,251		42,284		130,247		1,772		—		320,301
Classified - substandard		102		16,366		4,946		11,647		18,460		55,567		—		—		107,088
Classified - doubtful		—		—		—		—		—		—		—		—		—
Total	$	812,311	$	754,181	$	668,368	$	545,520	$	633,477	$	1,532,366	$	90,892	$	—	$	5,037,115

Commercial and industrial
Risk rating:
Pass	$	977,085	$	240,262	$	193,712	$	160,924	$	85,379	$	265,890	$	427,336	$	136	$	2,350,724
Criticized - compromised		453		2,726		4,206		2,795		324		11,640		12,453		—		34,597
Classified - substandard		—		3,817		1,947		3,771		1,603		5,073		5,906		—		22,117
Classified - doubtful		—		—		—		—		—		—		—		—		—
Total	$	977,538	$	246,805	$	199,865	$	167,490	$	87,306	$	282,603	$	445,695	$	136	$	2,407,438

Residential real estate
Loan delinquency:
Current	$	385,541	$	242,770	$	149,603	$	108,090	$	170,967	$	641,665	$	—	$	—	$	1,698,636
30-59 days past due		—		—		320		533		—		1,761		—		—		2,614
60-89 days past due		—		—		823		—		185		4,646		—		—		5,654
90 days or more past due		—		483		166		761		819		11,828		—		—		14,057
Total	$	385,541	$	243,253	$	150,912	$	109,384	$	171,971	$	659,900	$	—	$	—	$	1,720,961

Home equity
Loan delinquency:
Current	$	18,191	$	3,611	$	3,334	$	975	$	1,110	$	16,477	$	583,486	$	12,135	$	639,319
30-59 days past due		124		—		34		—		—		882		1,247		127		2,414
60-89 days past due		—		—		—		—		—		14		749		12		775
90 days or more past due		—		—		8		156		88		1,786		1,075		766		3,879
Total	$	18,315	$	3,611	$	3,376	$	1,131	$	1,198	$	19,159	$	586,557	$	13,040	$	646,387

Consumer
Loan delinquency:
Current	$	72,847	$	89,637	$	39,584	$	22,118	$	13,144	$	45,735	$	22,253	$	165	$	305,483
30-59 days past due		481		408		210		311		194		379		15		—		1,998
60-89 days past due		273		147		84		100		163		253		11		—		1,031
90 days or more past due		113		72		73		31		12		242		—		—		543
Total	$	73,714	$	90,264	$	39,951	$	22,560	$	13,513	$	46,609	$	22,279	$	165	$	309,055

The following table summarizes other real estate owned and repossessed assets included in other assets:

Residential real estate included in other real estate owned was $0.1 million at June 30, 2021 and December 31, 2020. At June 30, 2021 and December 31, 2020, formal foreclosure proceedings were in process on residential real estate loans totaling $1.8 million at each period. As a result of provisions of the CARES Act, certain residential real estate loans are temporarily suspended from entering foreclosure proceedings. The balance of these loans totaled $2.6 million and $2.3 million at June 30, 2021 and December 31, 2020, respectively.