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Loans (Tables)
 9 Months Ended
Sep. 30, 2020
Receivables [Abstract]  
Schedule of Portfolio Loans, Purchased Credit Impaired Loans and Purchased Unimpaired Loans
The following tables present net loan balances by segment as of:
 September 30, 2020
(In thousands)Portfolio LoansAcquired Non-PCD LoansPCD LoansTotal
Construction and land development$246,312 $30,720 $3,578 $280,610 
Commercial real estate - owner-occupied817,547 267,223 40,690 1,125,460 
Commercial real estate - non owner-occupied1,014,993 348,085 31,386 1,394,464 
Residential real estate1,182,558 201,221 9,617 1,393,396 
Commercial and financial711,358 105,327 16,398 833,083 
Consumer184,608 7,306 302 192,216 
Paycheck Protection Program584,577 54,223 — 638,800 
Totals$4,741,953 $1,014,105 $101,971 $5,858,029 
 December 31, 2019
(In thousands)Portfolio LoansPULsPCI LoansTotal
Construction and land development$281,335 $43,618 $160 $325,113 
Commercial real estate1
1,834,811 533,943 10,217 2,378,971 
Residential real estate1,304,305 201,848 1,710 1,507,863 
Commercial and financial697,301 80,372 579 778,252 
Consumer200,166 8,039 — 208,205 
Totals$4,317,918 $867,820 $12,666 $5,198,404 
1Commercial real estate includes owner-occupied balances of $1.0 billion for December 31, 2019.
Schedule of Past Due Financing Receivables
The following tables present the status of net loan balances as of September 30, 2020 and December 31, 2019. Loans on short-term payment deferral at the reporting date are reflected as current.
 September 30, 2020
(In thousands)CurrentAccruing
30-59 Days
Past Due		Accruing
60-89 Days
Past Due		Accruing
Greater
Than
90 Days		NonaccrualTotal
Portfolio Loans      
Construction and land development$246,255 $— $37 $— $20 $246,312 
Commercial real estate - owner-occupied813,825 850 450 — 2,422 817,547 
Commercial real estate - non owner-occupied1,012,815 — — — 2,178 1,014,993 
Residential real estate1,169,466 2,388 250 — 10,454 1,182,558 
Commercial and financial704,308 995 148 10 5,897 711,358 
Consumer183,944 294 9 — 361 184,608 
Paycheck Protection Program
584,577 — — — — 584,577 
Total Portfolio Loans4,715,190 4,527 894 10 21,332 4,741,953 
Acquired Non-PCD Loans
Construction and land development30,146 — — — 574 30,720 
Commercial real estate - owner-occupied266,656 — — — 567 267,223 
Commercial real estate - non owner-occupied346,769 278 — — 1,038 348,085 
Residential real estate193,421 1,156 1,057 — 5,587 201,221 
Commercial and financial104,263 — 221 — 843 105,327 
Consumer7,306 — — — — 7,306 
Paycheck Protection Program
54,223 — — — — 54,223 
 Total Acquired Non-PCD Loans1,002,784 1,434 1,278 — 8,609 1,014,105 
PCD Loans
Construction and land development3,568 — — — 10 3,578 
Commercial real estate - owner-occupied39,064 — 1,113 — 513 40,690 
Commercial real estate - non owner-occupied26,380 — — — 5,006 31,386 
Residential real estate8,495 — — — 1,122 9,617 
Commercial and financial15,774 327 — — 297 16,398 
Consumer261 33 — — 8 302 
Total PCD Loans93,542 360 1,113 — 6,956 101,971 
Total Loans$5,811,516 $6,321 $3,285 $10 $36,897 $5,858,029 
 
 December 31, 2019
(In thousands)CurrentAccruing
30-59 Days
Past Due		Accruing
60-89 Days
Past Due		Accruing
Greater
Than
90 Days		NonaccrualTotal
Portfolio Loans      
Construction and land development$276,984 $— $— $— $4,351 $281,335 
Commercial real estate1,828,629 1,606 220 — 4,356 1,834,811 
Residential real estate1,294,778 1,564 18 — 7,945 1,304,305 
Commercial and financial690,412 2,553 — 108 4,228 697,301 
Consumer199,424 317 315 — 110 200,166 
 Total Portfolio Loans4,290,227 6,040 553 108 20,990 4,317,918 
Purchased Unimpaired Loans
Construction and land development43,044 — — — 574 43,618 
Commercial real estate531,325 942 431 — 1,245 533,943 
Residential real estate201,159 277 — — 412 201,848 
Commercial and financial78,705 — — — 1,667 80,372 
Consumer8,039 — — — — 8,039 
 Total PULs862,272 1,219 431 — 3,898 867,820 
Purchased Credit Impaired Loans
Construction and land development148 — — — 12 160 
Commercial real estate9,298 — — — 919 10,217 
Residential real estate587 — — — 1,123 1,710 
Commercial and financial566 — — — 13 579 
Consumer— — — — — — 
 Total PCI Loans10,599 — — — 2,067 12,666 
Total Loans$5,163,098 $7,259 $984 $108 $26,955 $5,198,404 
Schedule of Nonaccrual Loans by Loan Category The following tables present net balances of loans on nonaccrual status and the related allowance for credit losses, if any, as of:
September 30, 2020
(In thousands)Nonaccrual Loans With No Related AllowanceNonaccrual Loans With an AllowanceTotal Nonaccrual LoansAllowance for Credit Losses
Construction and land development$585 $19 $604 $9 
Commercial real estate - owner-occupied2,669 833 3,502 672 
Commercial real estate - non owner-occupied4,821 3,401 8,222 1,829 
Residential real estate14,963 2,200 17,163 1,456 
Commercial and financial2,989 4,048 7,037 2,816 
Consumer29 340 369 55 
Totals $26,056 $10,841 $36,897 $6,837 
December 31, 2019
(In thousands)Nonaccrual Loans With No Related AllowanceNonaccrual Loans With an AllowanceTotal Nonaccrual LoansAllowance for Credit Losses
Construction and land development$4,913 $23 $4,936 $12 
Commercial real estate6,200 320 6,520 149 
Residential real estate8,700 780 9,480 564 
Commercial and financial3,449 2,460 5,909 1,622 
Consumer39 71 110 37 
Totals$23,301 $3,654 $26,955 $2,384 
Schedule of Collateral Dependent Loans The following table presents collateral dependent loans as of:
(In thousands)September 30, 2020December 31, 2019
Construction and land development$630 $4,926 
Commercial real estate - owner-occupied7,379 2,571 
Commercial real estate - non owner-occupied7,626 3,152 
Residential real estate 22,352 11,550 
Commercial and financial11,563 4,338 
Consumer416 141 
Totals $49,966 $26,678 
Schedule of Risk Categories of Loans by Class of Loans
The following tables present the risk rating of loans by year of origination:
September 30, 2020
(In thousands)20202019201820172016PriorRevolvingTotal
Construction and Land Development
Risk Ratings:
Pass$48,020 $78,737 $59,752 $17,830 $9,586 $18,206 $31,633 $263,764 
Special Mention398 503 1,378 12,311 — 1,478 — 16,068 
Substandard— — — — — 55 — 55 
Substandard Impaired — — — — 574 149 — 723 
Doubtful— — — — — — — — 
Total48,418 79,240 61,130 30,141 10,160 19,888 31,633 280,610 
Commercial real estate - owner-occupied
Risk Ratings:
Pass93,407 202,179 164,622 151,893 156,433 313,205 14,792 1,096,531 
Special Mention196 1,596 389 1,010 4,471 3,338 — 11,000 
Substandard— — 204 4,742 1,970 5,531 — 12,447 
Substandard Impaired — 337 878 1,056 — 2,890 — 5,161 
Doubtful1
— — — — 321 — — 321 
Total93,603 204,112 166,093 158,701 163,195 324,964 14,792 1,125,460 
Commercial real estate - non owner-occupied
Risk Ratings:
Pass98,658 322,048 200,813 131,590 186,063 372,215 5,317 1,316,704 
Special Mention— 103 28,710 1,674 14,266 114 — 44,867 
Substandard— — 9,694 — 8,319 5,072 1,350 24,435 
Substandard Impaired — 2,418 — — 126 5,914 — 8,458 
Doubtful— — — — — — — — 
Total98,658 324,569 239,217 133,264 208,774 383,315 6,667 1,394,464 
Residential real estate
Risk Ratings:
Pass53,171 151,107 233,660 235,119 178,988 180,156 334,622 1,366,823 
Special Mention— — 98 — — 562 391 1,051 
Substandard— — — — — 1,677 1,443 3,120 
Substandard Impaired 112 681 1,334 4,162 2,528 10,790 2,768 22,375 
Doubtful1
— — — — — 27 — 27 
Total53,283 151,788 235,092 239,281 181,516 193,212 339,224 1,393,396 
Commercial and financial
Risk Ratings:
Pass162,696 158,468 111,812 70,868 44,846 59,387 194,344 802,421 
Special Mention— 234 14 5,732 81 1,773 304 8,138 
Substandard153 145 3,306 198 407 2,270 2,261 8,740 
Substandard Impaired 319 4,440 2,742 1,667 2,340 1,079 1,197 13,784 
Doubtful— — — — — — — — 
Total163,168 163,287 117,874 78,465 47,674 64,509 198,106 833,083 
September 30, 2020
(In thousands)20202019201820172016PriorRevolvingTotal
Consumer
Risk Ratings:
Pass36,295 48,610 34,541 21,993 24,259 10,996 12,381 189,075 
Special Mention— 70 30 72 65 7 1,856 2,100 
Substandard— — — 27 22 38 339 426 
Substandard Impaired 48 51 10 — 316 190 — 615 
Doubtful— — — — — — — — 
Total36,343 48,731 34,581 22,092 24,662 11,231 14,576 192,216 
Paycheck Protection Program
Risk Ratings:
Pass638,800 — — — — — — 638,800 
Total638,800 — — — — — — 638,800 
Consolidated
Risk Ratings:
Pass1,131,047 961,149 805,200 629,293 600,175 954,165 593,089 5,674,118 
Special Mention594 2,506 30,619 20,799 18,883 7,272 2,551 83,224 
Substandard153 145 13,204 4,967 10,718 14,643 5,393 49,223 
Substandard Impaired 479 7,927 4,964 6,885 5,884 21,012 3,965 51,116 
Doubtful1
— — — — 321 27 — 348 
Total$1,132,273 $971,727 $853,987 $661,944 $635,981 $997,119 $604,998 $5,858,029 
1Loans classified as doubtful are fully reserved as of September 30, 2020.
The following table presents the risk rating of loans as of:
 December 31, 2019
(In thousands)PassSpecial
Mention		Substandard
Doubtful1
Total
Construction and land development$317,765 $2,235 $5,113 $— $325,113 
Commercial real estate2,331,725 26,827 20,098 321 2,378,971 
Residential real estate1,482,278 7,364 18,221 — 1,507,863 
Commercial and financial755,957 11,925 9,496 874 778,252 
Consumer203,966 3,209 1,030 — 208,205 
 Totals$5,091,691 $51,560 $53,958 $1,195 $5,198,404 
1Loans classified as doubtful are fully reserved as of December 31, 2019.
Schedule of Loans Modified
The following table presents loans on payment deferral, excluding PPP loans, as of September 30, 2020:
(In thousands)Loans Outstanding% on Payment Deferral
Construction and land development$9,359 3%
Commercial real estate - owner-occupied204,710 18
Commercial real estate - non owner-occupied344,573 25
Residential real estate75,885 5
Commercial and financial61,308 7
Consumer6,815 4
Totals$702,650 13%
Schedule of Troubled Debt Restructuring
The following table presents loans that were modified in a troubled debt restructuring during the three and nine months ended:
Three Months Ended September 30,
20202019
(In thousands)Number of ContractsPre-Modification Outstanding Recorded InvestmentPost-Modification Outstanding Recorded InvestmentNumber of ContractsPre-Modification Outstanding Recorded InvestmentPost-Modification Outstanding Recorded Investment
Construction and land development— $— $— — $— $— 
Commercial real estate - owner-occupied— — — — — — 
Commercial real estate - non owner-occupied— — — — — — 
Residential real estate— — — 2 519 519 
Commercial and financial— — — 1 1,120 1,120 
Consumer1 41 41 — — — 
Totals1 $41 $41 3 $1,639 $1,639 
Nine Months Ended September 30,
20202019
(In thousands)Number of ContractsPre-Modification Outstanding Recorded InvestmentPost-Modification Outstanding Recorded InvestmentNumber of ContractsPre-Modification Outstanding Recorded InvestmentPost-Modification Outstanding Recorded Investment
Construction and land development— $— $— — $— $— 
Commercial real estate - owner-occupied— — — 2 2,166 2,166 
Commercial real estate - non owner-occupied— — — — — — 
Residential real estate 1 45 45 2 519 519 
Commercial and financial4 437 437 2 1,299 1,299 
Consumer3 88 88 1 19 19 
 Totals 8 $570 $570 7 $4,003 $4,003