*	All disclosures for the C&I loan segment include PPP loan balances, net of deferred loan fees, as disclosed on the face of the balance sheet on page 4.

Outstanding loan balances at June 30, 2021 and 2020, and December 31, 2020, are net of unearned income, including net deferred loan fees.

Our subsidiary bank has established a line of credit with the Federal Home Loan Bank of Dallas (“FHLB”) to provide liquidity and meet pledging requirements for those customers eligible to have securities pledged to secure certain uninsured deposits. At June 30, 2021, $3,311,924,000 in loans held by our bank subsidiary were subject to blanket liens as security for this line of credit. At June 30, 2021, there was no balance outstanding under this line of credit.

The Company’s

non-accrual

loans, loans still accruing and past due 90 days or more and restructured loans are as follows (in thousands):


	June 30,				December 31,
	2021		2020		2020
Non-accrual loans	$	29,786	$	39,320	$	42,619
Loans still accruing and past due 90 days or more		—		92		113
Troubled debt restructured loans still accruing*		23		25		24

Total	$	29,809	$	39,437	$	42,756

*	Troubled debt restructured loans of $7,305,000, $7,275,000 and $7,407,000, whose interest collection, after considering economic and business conditions and collection efforts, is doubtful are included in non-accrual loans at June 30, 2021 and 2020, and December 31, 2020, respectively.

The Company had $30,114,000, $39,724,000 and $42,898,000 in

non-accrual,

past due 90 days or more and still accruing, restructured loans and foreclosed assets at June 30, 2021 and 2020, and December 31, 2020, respectively.

Non-accrual

loans at June 30, 2021 and 2020, and December 31, 2020, consisted of the following (in thousands):


	June 30,				December 31,
	2021		2020		2020
Commercial:
C&I	$	3,587	$	N/A	$	5,015
Municipal		—		N/A		—

Total Commercial		3,587		4,618		5,015
Agricultural		1,055		1,056		1,076
Real Estate:
Construction & Development		1,520		N/A		3,838
Farm		1,791		N/A		7,299
Non-Owner Occupied CRE		6,584		N/A		5,243
Owner Occupied CRE		8,976		N/A		10,797
Residential		5,901		N/A		8,851

Total Real Estate		24,772		33,170		36,028
Consumer:
Auto		329		N/A		407
Non-Auto		43		N/A		93

Total Consumer		372		476		500

Total	$	29,786	$	39,320	$	42,619

No significant additional funds are committed to be advanced in connection with

non-accrual

loans as of June 30, 2021.

Summary information on the allowance for credit losses for the three and

six-months

ended June 30, 2021 and 2020, are outlined by portfolio segment in the following tables (in thousands):


Three-months ended June 30, 2021	C&I			Municipal			Agricultural			Construction & Development		Farm
Beginning balance	$	12,323		$	2,191		$	1,985		$	13,246	$	1,223
Provision for loan losses		(2,327	)		(1,603	)		(667	)		2,386		(617	)
Recoveries		308			—			15			—		1
Charge-offs		(118	)		—			(21	)		—		—

Ending balance	$	10,186		$	588		$	1,312		$	15,632	$	607


Three-months ended June 30, 2021 (continued)	Non-Owner Occupied CRE		Owner Occupied CRE		Residential			Auto			Non-Auto			Total
Beginning balance	$	9,492	$	9,878	$	11,189		$	1,068		$	379		$	62,974
Provision for loan losses		901		517		26			257			88			(1,039	)
Recoveries		39		4		64			103			61			595
Charge-offs		—		—		(45	)		(162	)		(46	)		(392	)

Ending balance	$	10,432	$	10,399	$	11,234		$	1,266		$	482		$	62,138


Six-months ended June 30, 2021	C&I			Municipal			Agricultural			Construction & Development		Farm
Beginning balance	$	13,609		$	1,552		$	1,255		$	13,512	$	1,876
Provision for loan losses		(3,566	)		(964	)		54			2,118		(1,279	)
Recoveries		531			—			24			2		10
Charge-offs		(388	)		—			(21	)		—		—

Ending balance	$	10,186		$	588		$	1,312		$	15,632	$	607


Six-months ended June 30, 2021 (continued)	Non-Owner Occupied CRE			Owner Occupied CRE			Residential			Auto			Non- Auto			Total
Beginning balance	$	8,391		$	12,347		$	12,601		$	1,020		$	371		$	66,534
Provision for loan losses		1,953			(1,950	)		(1,358	)		398			126			(4,468	)
Recoveries		94			10			83			176			108			1,038
Charge-offs		(6	)		(8	)		(92	)		(328	)		(123	)		(966	)

Ending balance	$	10,432		$	10,399		$	11,234		$	1,266		$	482		$	62,138


Three-months ended June 30, 2020	Commercial			Agricultural		Real Estate			Consumer			Total
Beginning balance	$	11,773		$	2,154	$	41,256		$	5,257		$	60,440
Provision for loan losses		6,820			361		1,469			50			8,700
Recoveries		540			29		59			73			701
Charge-offs		(561	)		—		(161	)		(172	)		(894	)

Ending balance	$	18,572		$	2,544	$	42,623		$	5,208		$	68,947


Six-months ended June 30, 2020	Commercial			Agricultural			Real Estate			Consumer			Total
Beginning balance	$	12,122		$	1,206		$	33,974		$	5,197		$	52,499
Provision for loan losses		7,615			1,310			9,390			235			18,550
Recoveries		690			30			135			164			1,019
Charge-offs		(1,855	)		(2	)		(876	)		(388	)		(3,121	)

Ending balance	$	18,572		$	2,544		$	42,623		$	5,208		$	68,947

Additionally, the Company records a reserve for unfunded commitments in other liabilities which totaled $6,751,000, $809,000 and $5,486,000 at June 30, 2021 and 2020, and December 31, 2020, respectively. The reversal of provision for credit losses of $1,206,000 reported in the consolidated statement of earnings for the three-months ended June 30, 2021 is the aggregate reversal of provision of loan losses of $1,039,000 and the reversal of provision for unfunded commitments of $167,000. The reversal of provision for credit losses of $3,203,000 reported in the consolidated statement of earnings for the

six-months

ended June 30, 2021 is the aggregate reversal of provision of loan losses of $4,468,000 net of the provision for unfunded commitments of $1,265,000.

The Company’s loans that are individually evaluated for credit losses (both collateral and

non-collateral

dependent) and their related allowances as of June 30, 2021 and December 31, 2020, are summarized in the following table by loan segment (in thousands):


June 30, 2021	Collateral Dependent Loans Individually Evaluated for Credit Losses Without an Allowance		Collateral Dependent Loans Individually Evaluated for Credit Losses With an Allowance		Non-Collateral Dependent Loans Individually Evaluated for Credit Losses		Total Loans Individually Evaluated for Credit Losses		Related Allowance on Collateral Dependent Loans		Related Allowance on Non-Collateral Dependent Loans		Total Allowance for Credit Losses on Loans Individually Evaluated for Credit Losses
Commercial:
C&I	$	1,091	$	2,496	$	20,838	$	24,425	$	723	$	3,865	$	4,588
Municipal		—		—		885		885		—		275		275

Total Commercial		1,091		2,496		21,723		25,310		723		4,140		4,863
Agricultural		328		727		5,195		6,250		171		1,084		1,255
Real Estate:
Construction & Development		1,282		238		9,201		10,721		24		1,075		1,099
Farm		1,697		94		2,745		4,536		—		9		9
Non-Owner Occupied CRE		6,444		140		33,707		40,291		15		4,185		4,200
Owner Occupied CRE		5,605		3,371		42,832		51,808		544		2,600		3,144
Residential		3,762		2,139		28,110		34,011		191		2,418		2,609

Total Real Estate		18,790		5,982		116,595		141,367		774		10,287		11,061
Consumer:
Auto		—		329		1,342		1,671		1		4		5
Non-Auto		—		43		353		396		—		2		2

Total Consumer		—		372		1,695		2,067		1		6		7

Total	$	20,209	$	9,577	$	145,208	$	174,994	$	1,669	$	15,517	$	17,186


December 31, 2020	Collateral Dependent Loans Individually Evaluated for Credit Losses Without an Allowance		Collateral Dependent Loans Individually Evaluated for Credit Losses With an Allowance		Non-Collateral Dependent Loans Individually Evaluated for Credit Losses		Total Loans Individually Evaluated for Credit Losses		Related Allowance on Collateral Dependent Loans		Related Allowance on Non-Collateral Dependent Loans		Total Allowance for Credit Losses on Loans Individually Evaluated for Credit Losses
Commercial:
C&I	$	1,544	$	3,471	$	25,629	$	30,644	$	799	$	4,592	$	5,391
Municipal		—		—		9,439		9,439		—		1,435		1,435

Total Commercial		1,544		3,471		35,068		40,083		799		6,027		6,826
Agricultural		470		606		5,572		6,648		96		886		982
Real Estate:
Construction & Development		1,176		2,661		11,368		15,205		35		617		652
Farm		2,614		4,685		3,349		10,648		654		658		1,312
Non-Owner Occupied CRE		4,009		1,234		17,383		22,626		500		1,421		1,921
Owner Occupied CRE		7,279		3,518		51,933		62,730		657		5,172		5,829
Residential		4,347		4,504		28,196		37,047		676		2,431		3,107

Total Real Estate		19,425		16,602		112,229		148,256		2,522		10,299		12,821
Consumer:
Auto		—		407		1,523		1,930		1		5		6
Non-Auto		—		94		440		534		1		1		2

Total Consumer		—		501		1,963		2,464		2		6		8

Total	$	21,439	$	21,180	$	154,832	$	197,451	$	3,419	$	17,218	$	20,637

The following table presents the recorded investment with respect to impaired loans, the associated allowance by the applicable portfolio segment and the unpaid contractual principal balance of the impaired loans at June 30, 2020, in accordance with the legacy “incurred loss” methodology disclosure requirements (in thousands):


June 30, 2020	Unpaid Contractual Principal Balance		Recorded Investment With No Allowance		Recorded Investment With Allowance		Total Recorded Investment		Related Allowance		Year-to- date Average Recorded Investment		Three- Month Average Recorded Investment
Commercial	$	6,013	$	739	$	3,879	$	4,618	$	1,250	$	24,270	$	23,572
Agricultural		1,287		529		527		1,056		83		219		179
Real Estate		45,703		20,370		12,800		33,170		1,711		17,586		17,107
Consumer		585		—		476		476		2		606		552

Total	$	53,588	$	21,638	$	17,682	$	39,320	$	3,046	$	42,681	$	41,410

The Company’s allowance for loans that are individually evaluated for credit losses and collectively evaluated for credit losses as of June 30, 2021 and December 31, 2020, are summarized in the following table by loan segment (in thousands). Allocation of a portion of the allowance to one category of loans does not preclude its availability to absorb losses in other categories.


June 30, 2021	C&I		Municipal		Agricultural		Construction & Development		Farm
Loans individually evaluated for credit losses	$	4,588	$	275	$	1,255	$	1,099	$	9
Loans collectively evaluated for credit losses		5,598		313		57		14,533		598

Total	$	10,186	$	588	$	1,312	$	15,632	$	607


June 30, 2021 (continued)	Non-Owner Occupied CRE		Owner Occupied CRE		Residential		Auto		Non-Auto		Total
Loans individually evaluated for credit losses	$	4,200	$	3,144	$	2,609	$	5	$	2	$	17,186
Loans collectively evaluated for credit losses		6,232		7,255		8,625		1,261		480		44,952

Total	$	10,432	$	10,399	$	11,234	$	1,266	$	482	$	62,138


December 31, 2020	C&I		Municipal		Agricultural		Construction & Development		Farm
Loans individually evaluated for credit losses	$	5,391	$	1,435	$	982	$	652	$	1,312
Loans collectively evaluated for credit losses		8,218		117		273		12,860		564

Total	$	13,609	$	1,552	$	1,255	$	13,512	$	1,876


December 31, 2020 (continued)	Non-Owner Occupied CRE		Owner Occupied CRE		Residential		Auto		Non-Auto		Total
Loans individually evaluated for credit losses	$	1,921	$	5,829	$	3,107	$	6	$	2	$	20,637
Loans collectively evaluated for credit losses		6,470		6,518		9,494		1,014		369		45,897

Total	$	8,391	$	12,347	$	12,601	$	1,020	$	371	$	66,534

The Company’s allowance for loans that are individually evaluated for credit losses and collectively evaluated for credit losses as of June 30, 2020, are summarized in the following table by loan segment in accordance with the legacy “incurred loss” methodology disclosure requirements (in thousands):


June 30, 2020	Commercial		Agricultural		Real Estate		Consumer		Total
Loans individually evaluated for impairment	$	1,250	$	83	$	1,711	$	2	$	3,046
Loan collectively evaluated for impairment		17,322		2,461		40,912		5,206		65,901

Total	$	18,572	$	2,544	$	42,623	$	5,208	$	68,947

The Company’s recorded investment in loans as of June 30, 2021 and December 31, 2020, related to the balance in the allowance for credit losses on the basis of the Company’s adopted ASC 326 evaluation methodology follows below (in thousands):


June 30, 2021	C&I		Municipal		Agricultural		Construction & Development		Farm
Loans individually evaluated for credit losses	$	24,425	$	885	$	6,250	$	10,721	$	4,536
Loans collectively evaluated for credit losses		958,678		178,471		88,962		540,207		180,752

Total	$	983,103	$	179,356	$	95,212	$	550,928	$	185,288


June 30, 2021 (continued)	Non-Owner Occupied CRE		Owner Occupied CRE		Residential		Auto		Non-Auto		Total
Loans individually evaluated for credit losses	$	40,291	$	51,808	$	34,011	$	1,671	$	396	$	174,994
Loans collectively evaluated for credit losses		633,317		768,247		1,294,463		382,093		104,418		5,129,608

Total	$	673,608	$	820,055	$	1,328,474	$	383,764	$	104,814	$	5,304,602


December 31, 2020	C&I		Municipal		Agricultural		Construction & Development		Farm
Loans individually evaluated for credit losses	$	30,644	$	9,439	$	6,648	$	15,205	$	10,648
Loans collectively evaluated for credit losses		1,100,738		171,886		88,216		538,754		141,589

Total	$	1,131,382	$	181,325	$	94,864	$	553,959	$	152,237


December 31, 2020 (continued)	Non-Owner Occupied CRE		Owner Occupied CRE		Residential		Auto		Non-Auto		Total
Loans individually evaluated for credit losses	$	22,626	$	62,730	$	37,047	$	1,930	$	534	$	197,451
Loans collectively evaluated for credit losses		595,060		684,244		1,211,362		351,665		90,068		4,973,582

Total	$	617,686	$	746,974	$	1,248,409	$	353,595	$	90,602	$	5,171,033

The Company’s recorded investment in loans as of June 30, 2020, related to the balance in the allowance for loan losses on the basis of the Company’s legacy “incurred loss” impairment methodology follows below (in thousands):


June 30, 2020	Commercial		Agricultural		Real Estate		Consumer		Total
Loans individually evaluated for impairment	$	4,618	$	1,056	$	33,170	$	476	$	39,320
Loan collectively evaluated for impairment		1,504,836		96,392		3,202,038		410,481		5,213,747

Total	$	1,509,454	$	97,448	$	3,235,208	$	410,957	$	5,253,067

From a credit risk standpoint, the Company rates its loans in one of five categories: (i) pass, (ii) special mention, (iii) substandard, (iv) doubtful or (v) loss (which are

charged-off).

The ratings of loans reflect a judgment about the risks of default and loss associated with the loan. The Company reviews the ratings on our credits as part of our

on-going

monitoring of the credit quality of our loan portfolio. Ratings are adjusted to reflect the degree of risk and loss that are felt to be inherent in each credit as of each reporting period. Our methodology is structured so that specific allocations are increased in accordance with deterioration in credit quality (and a corresponding increase in risk and loss) or decreased in accordance with improvement in credit quality (and a corresponding decrease in risk and loss).

Credits rated special mention show clear signs of financial weaknesses or deterioration in credit worthiness, however, such concerns are not so pronounced that the Company generally expects to experience significant loss within the short-term. Such credits typically maintain the ability to perform within standard credit terms and credit exposure is not as prominent as credits rated more harshly.

Credits rated substandard are those in which the normal repayment of principal and interest may be, or has been, jeopardized by reason of adverse trends or developments of a financial, managerial, economic or political nature, or important weaknesses exist in collateral. A protracted workout on these credits is a distinct possibility. Prompt corrective action is therefore required to strengthen the Company’s position, and/or to reduce exposure and to assure that adequate remedial measures are taken by the borrower. Credit exposure becomes more likely in such credits and a serious evaluation of the secondary support to the credit is performed.

Credits rated doubtful are those in which full collection of principal appears highly questionable, and which some degree of loss is anticipated, even though the ultimate amount of loss may not yet be certain and/or other factors exist which could affect collection of debt. Based upon available information, positive action by the Company is required to avert or minimize loss. Credits rated doubtful are generally also placed on

non-accrual.

The following summarizes the Company’s internal ratings of its loans

held-for-investment,

including the year of origination, by portfolio segments, at June 30, 2021 (in millions):


June 30,	2021		2020		2019		2018		2017		Prior		Revolving Loans Amort Cost Basis		Total
C&I
Risk rating:
Pass	$	485	$	316	$	71	$	46	$	22	$	19	$	—	$	959
Special mention		4		2		1		1		1		—		—		9
Substandard		4		6		2		3		—		—		—		15
Doubtful		—		—		—		—		—		—		—		—

Total	$	493	$	324	$	74	$	50	$	23	$	19	$	—	$	983


June 30,	2021		2020		2019		2018		2017		Prior		Revolving Loans Amort Cost Basis		Total
Municipal
Risk rating:
Pass	$	23	$	23	$	8	$	22	$	18	$	84	$	—	$	178
Special mention		—		—		—		—		—		—		—		—
Substandard		—		—		—		—		—		1		—		1
Doubtful		—		—		—		—		—		—		—		—

Total	$	23	$	23	$	8	$	22	$	18	$	85	$	—	$	179


June 30,	2021		2020		2019		2018		2017		Prior		Revolving Loans Amort Cost Basis		Total
Agricultural
Risk rating:
Pass	$	30	$	34	$	15	$	7	$	3	$	1	$	—	$	90
Special mention		—		—		—		—		—		—		—		—
Substandard		—		5		—		—		1		—		—		6
Doubtful		—		—		—		—		—		—		—		—

Total	$	30	$	39	$	15	$	7	$	4	$	1	$	—	$	96


June 30,	2021		2020		2019		2018		2017		Prior		Revolving Loans Amort Cost Basis		Total
Construction & Development
Risk rating:
Pass	$	220	$	237	$	39	$	18	$	9	$	17	$	—	$	540
Special mention		1		2		—		—		—		—		—		3
Substandard		2		2		4		—		—		—		—		8
Doubtful		—		—		—		—		—		—		—		—

Total	$	223	$	241	$	43	$	18	$	9	$	17	$	—	$	551


June 30,	2021		2020		2019		2018		2017		Prior		Revolving Loans Amort Cost Basis		Total
Farm
Risk rating:
Pass	$	59	$	53	$	17	$	12	$	9	$	31	$	—	$	181
Special mention		—		—		—		—		—		—		—		—
Substandard		—		2		—		1		—		1		—		4
Doubtful		—		—		—		—		—		—		—		—

Total	$	59	$	55	$	17	$	13	$	9	$	32	$	—	$	185


June 30,	2021		2020		2019		2018		2017		Prior		Revolving Loans Amort Cost Basis		Total
Non-Owner Occupied CRE
Risk rating:
Pass	$	101	$	171	$	104	$	80	$	40	$	138	$	—	$	634
Special mention		—		1		13		1		7		3		—		25
Substandard		2		—		3		—		3		7		—		15
Doubtful		—		—		—		—		—		—		—		—

Total	$	103	$	172	$	120	$	81	$	50	$	148	$	—	$	674


June 30,	2021		2020		2019		2018		2017		Prior		Revolving Loans Amort Cost Basis		Total
Owner Occupied CRE
Risk rating:
Pass	$	137	$	178	$	129	$	103	$	64	$	157	$	—	$	768
Special mention		1		2		1		1		4		1		—		10
Substandard		8		3		5		14		2		10		—		42
Doubtful		—		—		—		—		—		—		—		—

Total	$	146	$	183	$	135	$	118	$	70	$	168	$	—	$	820


June 30,	2021		2020		2019		2018		2017		Prior		Revolving Loans Amort Cost Basis		Total
Residential
Risk rating:
Pass	$	266	$	316	$	145	$	105	$	84	$	282	$	96	$	1,294
Special mention		—		3		1		1		1		3		—		9
Substandard		2		5		3		2		2		10		1		25
Doubtful		—		—		—		—		—		—		—		—

Total	$	268	$	324	$	149	$	108	$	87	$	295	$	97	$	1,328


June 30,	2021		2020		2019		2018		2017		Prior		Revolving Loans Amort Cost Basis		Total
Auto
Risk rating:
Pass	$	118	$	140	$	76	$	26	$	13	$	9	$	—	$	382
Special mention		—		—		—		—		—		—		—		—
Substandard		—		1		1		—		—		—		—		2
Doubtful		—		—		—		—		—		—		—		—

Total	$	118	$	141	$	77	$	26	$	13	$	9	$	—	$	384


June 30,	2021		2020		2019		2018		2017		Prior		Revolving Loans Amort Cost Basis		Total
Non-Auto
Risk rating:
Pass	$	40	$	33	$	14	$	5	$	2	$	5	$	6	$	105
Special mention		—		—		—		—		—		—		—		—
Substandard		—		—		—		—		—		—		—		—
Doubtful		—		—		—		—		—		—		—		—

Total	$	40	$	33	$	14	$	5	$	2	$	5	$	6	$	105


June 30,	2021		2020		2019		2018		2017		Prior		Revolving Loans Amort Cost Basis		Total
Total Loans
Risk rating:
Pass	$	1,479	$	1,501	$	618	$	424	$	264	$	743	$	102	$	5,131
Special mention		6		10		16		4		13		7		—		56
Substandard		18		24		18		20		8		29		1		118
Doubtful		—		—		—		—		—		—		—		—

Total	$	1,503	$	1,535	$	652	$	448	$	285	$	779	$	103	$	5,305

The following summarizes the Company’s internal ratings of its loans

held-for-investment,

including the year of origination, by portfolio segments, at December 31, 2020 (in millions):


December 31,	2020		2019		2018		2017		2016		Prior		Revolving Loans Amort Cost Basis		Total
C&I
Risk rating:
Pass	$	874	$	101	$	70	$	28	$	10	$	16	$	—	$	1,099
Special mention		9		2		—		1		—		—		—		12
Substandard		12		4		4		—		—		—		—		20
Doubtful		—		—		—		—		—		—		—		—

Total	$	895	$	107	$	74	$	29	$	10	$	16	$	—	$	1,131


December 31,	2020		2019		2018		2017		2016		Prior		Revolving Loans Amort Cost Basis		Total
Municipal
Risk rating:
Pass	$	26	$	19	$	29	$	14	$	13	$	71	$	—	$	172
Special mention		—		—		—		—		—		—		—		—
Substandard		2		—		—		5		1		1		—		9
Doubtful		—		—		—		—		—		—		—		—

Total	$	28	$	19	$	29	$	19	$	14	$	72	$	—	$	181


December 31,	2020		2019		2018		2017		2016		Prior		Revolving Loans Amort Cost Basis		Total
Agricultural
Risk rating:
Pass	$	57	$	19	$	9	$	3	$	1	$	—	$	—	$	89
Special mention		—		—		—		—		—		—		—		—
Substandard		6		—		—		—		—		—		—		6
Doubtful		—		—		—		—		—		—		—		—

Total	$	63	$	19	$	9	$	3	$	1	$	—	$	—	$	95


December 31,	2020		2019		2018		2017		2016		Prior		Revolving Loans Amort Cost Basis		Total
Construction & Development
Risk rating:
Pass	$	371	$	97	$	36	$	19	$	7	$	9	$	—	$	539
Special mention		2		4		—		—		—		—		—		6
Substandard		4		1		—		3		—		1		—		9
Doubtful		—		—		—		—		—		—		—		—

Total	$	377	$	102	$	36	$	22	$	7	$	10	$	—	$	554


December 31,	2020		2019		2018		2017		2016		Prior		Revolving Loans Amort Cost Basis		Total
Farm
Risk rating:
Pass	$	57	$	22	$	18	$	11	$	11	$	23	$	—	$	142
Special mention		—		—		—		—		—		—		—		—
Substandard		7		1		—		1		—		1		—		10
Doubtful		—		—		—		—		—		—		—		—

Total	$	64	$	23	$	18	$	12	$	11	$	24	$	—	$	152


December 31,	2020		2019		2018		2017		2016		Prior		Revolving Loans Amort Cost Basis		Total
Non-Owner Occupied CRE
Risk rating:
Pass	$	197	$	117	$	93	$	44	$	55	$	88	$	—	$	594
Special mention		1		—		1		8		1		—		—		11
Substandard		—		2		—		—		—		11		—		13
Doubtful		—		—		—		—		—		—		—		—

Total	$	198	$	119	$	94	$	52	$	56	$	99	$	—	$	618


December 31,	2020		2019		2018		2017		2016		Prior		Revolving Loans Amort Cost Basis		Total
Owner Occupied CRE
Risk rating:
Pass	$	176	$	132	$	105	$	75	$	65	$	132	$	—	$	685
Special mention		5		5		2		4		1		1		—		18
Substandard		5		4		20		4		1		10		—		44
Doubtful		—		—		—		—		—		—		—		—

Total	$	186	$	141	$	127	$	83	$	67	$	143	$	—	$	747


December 31,	2020		2019		2018		2017		2016		Prior		Revolving Loans Amort Cost Basis		Total
Residential
Risk rating:
Pass	$	373	$	172	$	134	$	101	$	101	$	237	$	93	$	1,211
Special mention		3		1		1		1		1		3		—		10
Substandard		5		3		3		3		1		10		2		27
Doubtful		—		—		—		—		—		—		—		—

Total	$	381	$	176	$	138	$	105	$	103	$	250	$	95	$	1,248


December 31,	2020		2019		2018		2017		2016		Prior		Revolving Loans Amort Cost Basis		Total
Auto
Risk rating:
Pass	$	177	$	104	$	39	$	21	$	9	$	2	$	—	$	352
Special mention		—		—		—		—		—		—		—		—
Substandard		1		1		—		—		—		—		—		2
Doubtful		—		—		—		—		—		—		—		—

Total	$	178	$	105	$	39	$	21	$	9	$	2	$	—	$	354


December 31,	2020		2019		2018		2017		2016		Prior		Revolving Loans Amort Cost Basis		Total
Non-Auto
Risk rating:
Pass	$	48	$	21	$	7	$	4	$	1	$	2	$	7	$	90
Special mention		—		—		—		—		—		—		—		—
Substandard		—		—		—		—		—		1		—		1
Doubtful		—		—		—		—		—		—		—		—

Total	$	48	$	21	$	7	$	4	$	1	$	3	$	7	$	91

December 31,	2020		2019		2018		2017		2016		Prior		Revolving Loans Amort Cost Basis		Total
Total Loans
Risk rating:
Pass	$	2,356	$	804	$	540	$	320	$	273	$	580	$	100	$	4,973
Special mention		20		12		4		14		3		4		—		57
Substandard		42		16		27		16		3		35		2		141
Doubtful		—		—		—		—		—		—		—		—

Total	$	2,418	$	832	$	571	$	350	$	279	$	619	$	102	$	5,171

The following tables summarize the Company’s internal ratings of its loans

held-for-investment,

at June 30, 2020 (in millions):


June 30, 2020	Pass		Special Mention		Substandard		Doubtful		Total
Commercial	$	1,465	$	9	$	35	$	—	$	1,509
Agricultural		91		5		2		—		98
Real Estate		3,087		50		98		—		3,235
Consumer		409		—		2		—		411

Total	$	5,052	$	64	$	137	$	—	$	5,253

The Company’s past due loans are as follows (in thousands):


June 30, 2021	15-59 Days Past Due*		60-89 Days Past Due		Greater Than 90 Days		Total Past Due		Current		Total Loans		90 Days Past Due Still Accruing
Commercial:
C&I	$	3,432	$	707	$	230	$	4,369	$	978,734	$	983,103	$	—
Municipal		1,656		—		—		1,656		177,700		179,356		—

Total Commercial		5,088		707		230		6,025		1,156,434		1,162,459		—
Agricultural		193		10		35		238		94,974		95,212		—
Real Estate:
Construction & Development		1,973		—		162		2,135		548,793		550,928		—
Farm		1,138		—		—		1,138		184,150		185,288		—
Non-Owner Occupied CRE		896		161		—		1,057		672,551		673,608		—
Owner Occupied CRE		97		821		—		918		819,137		820,055		—
Residential		5,946		373		100		6,419		1,322,055		1,328,474		—

Total Real Estate		10,050		1,355		262		11,667		3,546,686		3,558,353		—
Consumer:
Auto		330		55		25		410		383,354		383,764		—
Non-Auto		44		11		—		55		104,759		104,814		—

Total Consumer		374		66		25		465		488,113		488,578		—

Total	$	15,705	$	2,138	$	552	$	18,395	$	5,286,207	$	5,304,602	$	—


December 31, 2020	15-59 Days Past Due*		60-89 Days Past Due		Greater Than 90 Days		Total Past Due		Current		Total Loans		90 Days Past Due Still Accruing
Commercial:
C&I	$	3,647	$	406	$	576	$	4,629	$	1,126,753	$	1,131,382	$	21
Municipal		—		—		—		—		181,325		181,325		—

Total Commercial		3,647		406		576		4,629		1,308,078		1,312,707		21
Agricultural		193		95		—		288		94,576		94,864		—
Real Estate:
Construction & Development		4,775		44		—		4,819		549,140		553,959		—
Farm		708		—		—		708		151,529		152,237		—
Non-Owner Occupied CRE		613		—		—		613		617,073		617,686		—
Owner Occupied CRE		1,393		322		133		1,848		745,126		746,974		—
Residential		8,072		18		275		8,365		1,240,044		1,248,409		33

Total Real Estate		15,561		384		408		16,353		3,302,912		3,319,265		33
Consumer:
Auto		551		158		75		784		352,811		353,595		59
Non-Auto		214		24		—		238		90,364		90,602		—

Total Consumer		765		182		75		1,022		443,175		444,197		59

Total	$	20,166	$	1,067	$	1,059	$	22,292	$	5,148,741	$	5,171,033	$	113


June 30, 2020	15-59 Days Past Due*		60-89 Days Past Due		Greater Than 90 Days		Total Past Due		Current		Total Loans		90 Days Past Due Still Accruing
Commercial	$	4,563	$	474	$	129	$	5,166	$	1,504,288	$	1,509,454	$	—
Agricultural		1,080		15		—		1,095		96,353		97,448		—
Real Estate		13,678		110		726		14,514		3,220,694		3,235,208		—
Consumer		410		83		105		598		410,359		410,957		92

Total	$	19,731	$	682	$	960	$	21,373	$	5,231,694	$	5,253,067	$	92

*	The Company monitors commercial, agricultural and real estate loans after such loans are 15 days past due. Consumer loans are monitored after such loans are 30 days past due.

The restructuring of a loan is considered a “troubled debt restructuring” if both the borrower is experiencing financial difficulties and the creditor has granted a concession. Concessions may include interest rate reductions or below market interest rates, principal forgiveness, restructuring amortization schedules, reductions in collateral and other actions intended to minimize potential losses.

The Company’s loans that were modified and considered troubled debt restructurings are as follows (in thousands):


	Three-Months Ended June 30, 2021						Six-Months Ended June 30, 2021
			Pre- Modification		Post- Modification				Pre- Modification		Post- Modification
			Recorded		Recorded				Recorded		Recorded
	Number		Investment		Investment		Number		Investment		Investment
Commercial:
C&I		2	$	212	$	212		4	$	361	$	361
Municipal		—		—		—		—		—		—

Total Commercial		2		212		212		4		361		361
Agricultural		1		68		68		1		68		68
Real Estate:
Construction & Development		1		200		200		1		200		200
Farm		—		—		—		—		—		—
Non-Owner Occupied CRE		—		—		—		—		—		—
Owner Occupied CRE		2		548		548		3		1,047		1,047
Residential		1		245		245		3		443		443

Total Real Estate		4		993		993		7		1,690		1,690
Consumer:
Auto		1		31		31		1		31		31
Non-Auto		—		—		—		—		—		—

Total Consumer		1		31		31		1		31		31

Total		8	$	1,304	$	1,304		13	$	2,150	$	2,150


	Three-Months Ended June 30, 2020						Six-Months Ended June 30, 2020
			Pre- Modification		Post- Modification				Pre- Modification		Post- Modification
			Recorded		Recorded				Recorded		Recorded
	Number		Investment		Investment		Number		Investment		Investment
Commercial		4	$	196	$	196		9	$	484	$	484
Agricultural		—		—		—		1		134		134
Real Estate		1		123		123		1		123		123
Consumer		—		—		—		1		14		14

Total		5	$	319	$	319		12	$	755	$	755

The balances below provide information as to how the loans were modified as troubled debt restructured loans (in thousands):


	Three-Months Ended June 30, 2021						Six-Months Ended June 30, 2021
	Adjusted				Combined		Adjusted				Combined
	Interest		Maturity		Rate and		Interest		Maturity		Rate and
	Rate		Extended		Maturity		Rate		Extended		Maturity
Commercial:
C&I	$	—	$	212	$	—	$	—	$	212	$	149
Municipal		—		—		—		—		—		—

Total Commercial		—		212		—		—		212		149
Agricultural		—		68		—		—		68		—
Real Estate:
Construction & Development		—		200		—		—		200		—
Farm		—		—		—		—		—		—
Non-Owner Occupied CRE		—		—		—		—		—		—
Owner Occupied CRE		—		—		548		—		—		1,047
Residential		—		245		—		—		245		198

Total Real Estate		—		445		548		—		445		1,245
Consumer:
Auto		—		—		31		—		—		31
Non-Auto		—		—		—		—		—		—

Total Consumer		—		—		31		—		—		31

Total	$	—	$	725	$	579	$	—	$	725	$	1,425


	Three-Months Ended June 30, 2020						Six-Months Ended June 30, 2020
	Adjusted				Combined		Adjusted				Combined
	Interest		Maturity		Rate and		Interest		Maturity		Rate and
	Rate		Extended		Maturity		Rate		Extended		Maturity
Commercial	$	—	$	—	$	196	$	—	$	260	$	224
Agricultural		—		—		—		—		134		—
Real Estate		—		—		123		—		—		123
Consumer		—		—		—		—		14		—

Total	$	—	$	—	$	319	$	—	$	408	$	347

During the three and

six-months

ended June 30, 2021 and 2020, no loans were modified as a troubled debt restructured loan within the previous 12 months and for which there was a payment default. A default for purposes of this disclosure is a troubled debt restructured loan in which the borrower is 90 days past due or more or results in the foreclosure and repossession of the applicable collateral.

As of June 30, 2021, the Company has no commitments to lend additional funds to loan customers whose terms have been modified in troubled debt restructurings.