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Loans and Loans Held for Sale (Tables)
 12 Months Ended
Dec. 31, 2019
Receivables [Abstract]  
Composition of Loans
The following table summarizes the composition of originated and acquired loans as of the dates presented:
 
December 31,
(dollars in thousands)
2019
 
2018
Commercial
 
 
 
Commercial real estate
$
3,416,518

 
$
2,921,832

Commercial and industrial
1,720,833

 
1,493,416

Commercial construction
375,445

 
257,197

Total Commercial Loans
5,512,796

 
4,672,445

Consumer
 
 
 
Residential mortgage
998,585

 
726,679

Home equity
538,348

 
471,562

Installment and other consumer
79,033

 
67,546

Consumer construction
8,390

 
8,416

Total Consumer Loans
1,624,356

 
1,274,203

Total Portfolio Loans
7,137,152

 
5,946,648

Loans held for sale
5,256

 
2,371

Total Loans
$
7,142,408

 
$
5,949,019
Restructured Loans for Periods Presented and Type of Concession
The following table summarizes our restructured loans as of the dates presented:
 
December 31, 2019
 
December 31, 2018
(dollars in thousands)
Performing
TDRs

 
Nonperforming
TDRs

 
Total
TDRs

 
Performing
TDRs

 
Nonperforming
TDRs

 
Total
TDRs

Commercial real estate
$
22,233

 
$
6,713

 
$
28,946

 
$
2,054

 
$
1,139

 
$
3,193

Commercial and industrial
6,909

 
695

 
7,604

 
7,026

 
6,646

 
13,672

Commercial construction
1,425

 
—

 
1,425

 
1,912

 
406

 
2,318

Residential mortgage
2,013

 
822

 
2,835

 
2,214

 
1,543

 
3,757

Home equity
4,371

 
678

 
5,049

 
3,568

 
1,349

 
4,917

Installment and other consumer
9

 
4

 
13

 
12

 
5

 
17

Total
$
36,960

 
$
8,912

 
$
45,872

 
$
16,786

 
$
11,088

 
$
27,874


The following tables present the restructured loans by loan segment and by type of concession for the years ended December 31:
 
2019
 
2018
(dollars in thousands)
Number of
Loans

 
Pre-Modification
Outstanding
Recorded
Investment(1)

 
Post-Modification
Outstanding
Recorded
Investment(1)

 
Total
Difference
in Recorded
Investment

 
Number of
Loans

 
Pre-Modification
Outstanding
Recorded
Investment(1)

 
Post-Modification
Outstanding
Recorded
Investment(1)

 
Total
Difference
in Recorded
Investment

Totals by Loan Segment
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Commercial Real Estate
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Maturity date extension
—

 
$
—

 
$
—

 
$
—

 
1

 
$
256

 
$
179

 
$
(77
)
Maturity date extension and interest rate reduction
1

 
150

 
145

 
(6
)
 
—

 
—

 
—

 
—

Principal deferral
3

 
23,517

 
23,059

 
(458
)
 
1

 
90

 
90

 
—

Principal deferral and maturity date extension
1

 
436

 
436

 
—

 
—

 
—

 
—

 
—

Below market interest rate
2

 
569

 
1,519

 
950

 
—

 
—

 
—

 
—

Total Commercial Real Estate
7

 
24,672

 
25,159

 
486

 
2

 
346

 
269

 
(77
)
Commercial and Industrial
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Maturity date extension
—

 
—

 
—

 
—

 
2

 
768

 
166

 
(602
)
Maturity date extension and interest rate reduction
1

 
4,751

 
4,136

 
(616
)
 
—

 
—

 
—

 
—

Principal deferral
1

 
1,250

 
1,250

 
—

 
4

 
4,815

 
4,383

 
(432
)
Principal deferral and maturity date extension
1

 
292

 
275

 
(17
)
 
6

 
5,355

 
5,341

 
(14
)
Total Commercial and Industrial
3

 
6,294

 
5,661

 
(633
)
 
12

 
10,938

 
9,890

 
(1,048
)
Residential Mortgage
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Principal deferral and maturity date extension
3

 
183

 
183

 
—

 
—

 
—

 
—

 
—

Consumer bankruptcy(2)
3

 
165

 
157

 
(9
)
 
5

 
387

 
374

 
(13
)
Total Residential Mortgage
6

 
348

 
340

 
(9
)
 
5

 
387

 
374

 
(13
)
Home equity
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Maturity date extension and interest rate reduction
—

 
—

 
—

 
—

 
2

 
47

 
46

 
(1
)
Principal deferral and maturity date extension
2

 
39

 
39

 
—

 
—

 
—

 
—

 
—

Interest rate reduction
2

 
190

 
188

 
(2
)
 
1

 
120

 
120

 
—

Consumer bankruptcy(2)
29

 
886

 
810

 
(77
)
 
22

 
811

 
681

 
(130
)
Total Home Equity
33

 
1,116

 
1,037

 
(79
)
 
25

 
978

 
847

 
(131
)
Installment and Other Consumer
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Consumer bankruptcy(2)
4

 
16

 
11

 
(5
)
 
2

 
23

 
4

 
(19
)
Total Installment and Other Consumer
4

 
$
16

 
$
11

 
$
(5
)
 
2

 
$
23

 
$
4

 
$
(19
)
Totals by Concession Type
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Maturity date extension
—

 
$
—

 
$
—

 
$
—

 
3

 
$
1,024

 
$
345

 
$
(679
)
Maturity date extension and interest rate reduction
2

 
4,902


4,280

 
(622
)
 
2

 
47

 
46

 
(1
)
Principal deferral
4


24,767


24,309

 
(458
)
 
5

 
4,905

 
4,473

 
(432
)
Principal deferral and maturity date extension
7

 
950


933

 
(17
)
 
6

 
5,355

 
5,341

 
$
(14
)
Interest rate reduction
2

 
190

 
188

 
(2
)
 
1

 
120

 
120

 
—

Below market interest rate
2

 
569

 
1,519

 
950

 
—

 
—

 
—

 
—

Consumer bankruptcy(2)
36

 
1,068


977

 
(91
)
 
29

 
1,221

 
1,059

 
$
(162
)
Total
53

 
$
32,446


$
32,206

 
$
(240
)
 
46

 
$
12,672

 
$
11,384

 
$
(1,288
)
(1) Excludes loans that were fully paid off or fully charged-off by period end. The pre-modification balance represents the balance outstanding prior to modification. The post-modification balance represents the outstanding balance at period end.
(2) Consumer bankruptcy loans where the debt has been legally discharged through the bankruptcy court and not reaffirmed.
Schedule of Nonperforming Assets
The following table is a summary of nonperforming assets as of the dates presented:
 
December 31,
(dollars in thousands)
2019
 
2018
Nonperforming Assets
 
 
 
Nonaccrual loans
$
45,145

 
$
34,985

Nonaccrual TDRs
8,912

 
11,088

Total nonaccrual loans
54,057

 
46,073

OREO
3,525

 
3,092

Total Nonperforming Assets
$
57,582

 
$
49,165
Summary of Aggregate Amount of Loans to Officers and Directors
The following table presents a summary of the aggregate amount of loans to certain officers, directors of S&T or any affiliates of such persons as of December 31:
(dollars in thousands)
2019
 
2018
Balance at beginning of year
$
8,682

 
$
10,070

New loans
2,442

 
2,841

Repayments or no longer considered a related party
(2,899
)
 
(4,229
)
Balance at end of year
$
8,225

 
$
8,682