Loans and Allowance for Loan Losses (Tables)

9 Months Ended

Sep. 30, 2019

Loans and Allowance for Loan Losses

Schedule of changes in the carrying value

	Nine Months Ended September 30,
(Dollars in thousands)	2019		2018
Balance at beginning of period	$	485,119	$	618,803
Net reductions for payments, foreclosures, and accretion		(93,691)		(106,829)
Change in the allowance for loan losses on acquired loans		(714)		659
Balance at end of period, net of allowance for loan losses on acquired credit impaired loans	$	390,714	$	512,633

Schedule of changes in allowance for loan losses

	Non-acquired		Acquired Non-Credit		Acquired Credit
(Dollars in thousands)	Loans		Impaired Loans		Impaired Loans		Total
Three Months Ended September 30, 2019:
Balance at beginning of period	$	53,590	$	—	$	4,623	$	58,213
Loans charged-off		(1,969)		(810)		—		(2,779)
Recoveries of loans previously charged off (1)		834		50		—		884
Net charge-offs		(1,135)		(760)		—		(1,895)
Provision for loan losses charged to operations		2,482		760		786		4,028
Reduction due to loan removals		—		—		(91)		(91)
Balance at end of period	$	54,937	$	—	$	5,318	$	60,255
Three Months Ended September 30, 2018:
Balance at beginning of period	$	47,874	$	—	$	4,426	$	52,300
Loans charged-off		(1,891)		(97)		—		(1,988)
Recoveries of loans previously charged off (1)		555		27		—		582
Net charge-offs		(1,336)		(70)		—		(1,406)
Provision for loan losses charged to operations		3,331		70		(284)		3,117
Reduction due to loan removals		—		—		(174)		(174)
Balance at end of period	$	49,869	$	—	$	3,968	$	53,837

	Non-acquired		Acquired Non-Credit		Acquired Credit
(Dollars in thousands)	Loans		Impaired Loans		Impaired Loans		Total
Nine Months Ended September 30, 2019:
Balance at beginning of period	$	51,194	$	—	$	4,604	$	55,798
Loans charged-off		(4,541)		(2,719)		—		(7,260)
Recoveries of loans previously charged off (1)		2,461		372		—		2,833
Net charge-offs		(2,080)		(2,347)		—		(4,427)
Provision for loan losses charged to operations		5,823		2,347		1,050		9,220
Reduction due to loan removals		—		—		(336)		(336)
Balance at end of period	$	54,937	$	—	$	5,318	$	60,255
Nine Months Ended September 30, 2018:
Balance at beginning of period	$	43,448	$	—	$	4,627	$	48,075
Loans charged-off		(4,300)		(1,614)		—		(5,914)
Recoveries of loans previously charged off (1)		2,408		279		—		2,687
Net charge-offs		(1,892)		(1,335)		—		(3,227)
Provision for losses charged to operations		8,313		1,335		401		10,049
Reduction due to loan removals		—		—		(1,060)		(1,060)
Balance at end of period	$	49,869	$	—	$	3,968	$	53,837

(1) – Recoveries related to acquired credit impaired loans are recorded through other noninterest income on the consolidated statement of income and do not run through the ALLL.

Summary of information pertaining to impaired loans

	Unpaid		Recorded		Gross
	Contractual		Investment		Recorded		Total
	Principal		With No		Investment		Recorded		Related
(Dollars in thousands)	Balance		Allowance		With Allowance		Investment		Allowance
September 30, 2019
Commercial real estate:
Construction and land development	$	33,063	$	225	$	32,448	$	32,673	$	587
Commercial non-owner occupied		146		74		13		87		—
Commercial owner occupied		8,401		5,544		1,591		7,135		33
Consumer real estate:
Consumer owner occupied		5,441		3,610		1,517		5,127		33
Home equity loans		2,476		1,087		1,258		2,345		121
Commercial and industrial		5,779		1,874		3,439		5,313		387
Other income producing property		2,489		430		1,666		2,096		58
Consumer		145		—		91		91		2
Total	$	57,940	$	12,844	$	42,023	$	54,867	$	1,221
December 31, 2018
Commercial real estate:
Construction and land development	$	38,314	$	339	$	37,574	$	37,913	$	788
Commercial non-owner occupied		1,157		536		489		1,025		70
Commercial owner occupied		5,085		3,101		1,041		4,142		27
Consumer real estate:
Consumer owner occupied		7,291		4,992		1,769		6,761		41
Home equity loans		2,953		1,129		1,697		2,826		142
Commercial and industrial		1,332		467		824		1,291		416
Other income producing property		3,117		150		2,722		2,872		142
Consumer		211		—		188		188		2
Total	$	59,460	$	10,714	$	46,304	$	57,018	$	1,628
September 30, 2018
Commercial real estate:
Construction and land development	$	36,203	$	1,029	$	34,747	$	35,776	$	723
Commercial non-owner occupied		1,480		812		503		1,315		81
Commercial owner occupied		5,507		2,668		1,883		4,551		40
Consumer real estate:
Consumer owner occupied		5,914		4,478		942		5,420		28
Home equity loans		3,141		1,135		1,891		3,026		171
Commercial and industrial		1,462		467		942		1,409		475
Other income producing property		3,165		158		2,772		2,930		133
Consumer		284		—		213		213		6
Total	$	57,156	$	10,747	$	43,893	$	54,640	$	1,657

Summary of average investment in impaired loans and interest income recognized on impaired loans

	Three Months Ended September 30,
	2019				2018
	Average				Average
	Investment in		Interest Income		Investment in		Interest Income
(Dollars in thousands)	Impaired Loans		Recognized		Impaired Loans		Recognized
Commercial real estate:
Construction and land development	$	34,401	$	177	$	39,084	$	158
Commercial non-owner occupied		94		1		1,332		5
Commercial owner occupied		6,288		129		4,650		81
Consumer real estate:
Consumer owner occupied		5,346		36		5,524		32
Home equity loans		2,391		36		3,085		30
Commercial and industrial		3,993		123		1,622		8
Other income producing property		2,080		14		3,085		32
Consumer		95		—		235		—
Total Impaired Loans	$	54,688	$	516	$	58,617	$	346

	Nine Months Ended September 30,
	2019				2018
	Average				Average
	Investment in		Interest Income		Investment in		Interest Income
(Dollars in thousands)	Impaired Loans		Recognized		Impaired Loans		Recognized
Commercial real estate:
Construction and land development	$	35,293	$	967	$	39,503	$	968
Commercial non-owner occupied		556		6		1,345		19
Commercial owner occupied		5,638		290		5,096		228
Consumer real estate:
Consumer owner occupied		5,944		129		5,527		120
Home equity loans		2,586		100		3,019		95
Commercial and industrial		3,302		209		1,282		43
Other income producing property		2,484		68		3,034		120
Consumer		140		—		226		—
Other loans		—		—		—		—
Total Impaired Loans	$	55,943	$	1,769	$	59,032	$	1,593

Non-acquired loans

Loans and Allowance for Loan Losses

Summary of loans

	September 30,		December 31,		September 30,
(Dollars in thousands)	2019		2018		2018
Non-acquired loans:
Commercial non-owner occupied real estate:
Construction and land development	$	955,318	$	841,445	$	902,836
Commercial non-owner occupied		1,777,327		1,415,551		1,279,328
Total commercial non-owner occupied real estate		2,732,645		2,256,996		2,182,164
Consumer real estate:
Consumer owner occupied		2,118,127		1,936,265		1,844,203
Home equity loans		521,744		495,148		473,381
Total consumer real estate		2,639,871		2,431,413		2,317,584
Commercial owner occupied real estate		1,677,695		1,517,551		1,449,069
Commercial and industrial		1,130,847		1,054,952		991,842
Other income producing property		220,957		214,353		209,983
Consumer		525,040		448,664		438,789
Other loans		1,457		9,357		17,047
Total non-acquired loans		8,928,512		7,933,286		7,606,478
Less allowance for loan losses		(54,937)		(51,194)		(49,869)
Non-acquired loans, net	$	8,873,575	$	7,882,092	$	7,556,609

Schedule of changes in allowance for loan losses

	Construction		Commercial		Commercial		Consumer						Other Income
	& Land		Non-owner		Owner		Owner		Home		Commercial		Producing				Other
(Dollars in thousands)	Development		Occupied		Occupied		Occupied		Equity		& Industrial		Property		Consumer		Loans		Total
Three Months Ended September 30, 2019
Allowance for loan losses:
Balance, June 30, 2019	$	5,718	$	10,311	$	9,526	$	12,432	$	3,177	$	7,495	$	1,359	$	3,572	$	—	$	53,590
Charge-offs		(69)		—		(31)		(10)		(100)		(32)		—		(1,727)		—		(1,969)
Recoveries		208		2		18		149		86		77		29		265		—		834
Provision (benefit)		159		238		456		(24)		28		21		(29)		1,633		—		2,482
Balance, September 30, 2019	$	6,016	$	10,551	$	9,969	$	12,547	$	3,191	$	7,561	$	1,359	$	3,743	$	—	$	54,937
Loans individually evaluated for impairment	$	587	$	—	$	33	$	33	$	121	$	387	$	58	$	2	$	—	$	1,221
Loans collectively evaluated for impairment	$	5,429	$	10,551	$	9,936	$	12,514	$	3,070	$	7,174	$	1,301	$	3,741	$	—	$	53,716
Loans:
Loans individually evaluated for impairment	$	32,673	$	87	$	7,135	$	5,127	$	2,345	$	5,313	$	2,096	$	91	$	—	$	54,867
Loans collectively evaluated for impairment		922,645		1,777,240		1,670,560		2,113,000		519,399		1,125,534		218,861		524,949		1,457		8,873,645
Total non-acquired loans	$	955,318	$	1,777,327	$	1,677,695	$	2,118,127	$	521,744	$	1,130,847	$	220,957	$	525,040	$	1,457	$	8,928,512
Three Months Ended September 30, 2018
Allowance for loan losses:
Balance, June 30, 2018	$	6,187	$	7,209	$	8,607	$	10,945	$	3,368	$	6,711	$	1,413	$	3,071	$	363	$	47,874
Charge-offs		—		—		(578)		(76)		(40)		(34)		—		(1,163)		—		(1,891)
Recoveries		178		2		105		43		11		27		3		186		—		555
Provision (benefit)		(352)		774		943		468		102		219		(6)		1,089		94		3,331
Balance, September 30, 2018	$	6,013	$	7,985	$	9,077	$	11,380	$	3,441	$	6,923	$	1,410	$	3,183	$	457	$	49,869
Loans individually evaluated for impairment	$	723	$	81	$	40	$	28	$	171	$	475	$	133	$	6	$	—	$	1,657
Loans collectively evaluated for impairment	$	5,290	$	7,904	$	9,037	$	11,352	$	3,270	$	6,448	$	1,277	$	3,177	$	457	$	48,212
Loans:
Loans individually evaluated for impairment	$	35,776	$	1,315	$	4,551	$	5,420	$	3,026	$	1,409	$	2,930	$	213	$	—	$	54,640
Loans collectively evaluated for impairment		867,060		1,278,013		1,444,518		1,838,783		470,355		990,433		207,053		438,576		17,047		7,551,838
Total non-acquired loans	$	902,836	$	1,279,328	$	1,449,069	$	1,844,203	$	473,381	$	991,842	$	209,983	$	438,789	$	17,047	$	7,606,478

	Construction		Commercial		Commercial		Consumer						Other Income
	& Land		Non-owner		Owner		Owner		Home		Commercial		Producing				Other
(Dollars in thousands)	Development		Occupied		Occupied		Occupied		Equity		& Industrial		Property		Consumer		Loans		Total
Nine Months Ended September 30, 2019
Allowance for loan losses:
Balance, December 31, 2018	$	5,682	$	8,754	$	9,369	$	11,913	$	3,434	$	7,454	$	1,446	$	3,101	$	41	$	51,194
Charge-offs		(78)		(3)		(43)		(95)		(115)		(141)		(31)		(4,035)		—		(4,541)
Recoveries		833		47		84		181		220		286		87		723		—		2,461
Provision (benefit)		(421)		1,753		559		548		(348)		(38)		(143)		3,954		(41)		5,823
Balance, September 30, 2019	$	6,016	$	10,551	$	9,969	$	12,547	$	3,191	$	7,561	$	1,359	$	3,743	$	—	$	54,937
Nine Months Ended September 30, 2018
Allowance for loan losses:
Balance, December 31, 2017	$	5,921	$	6,525	$	8,128	$	9,668	$	3,250	$	5,488	$	1,375	$	2,788	$	305	$	43,448
Charge-offs		(35)		—		(659)		(80)		(111)		(178)		—		(3,237)		—		(4,300)
Recoveries		1,167		6		76		169		139		241		14		596		—		2,408
Provision (benefit)		(1,040)		1,454		1,532		1,623		163		1,372		21		3,036		152		8,313
Balance, September 30, 2018	$	6,013	$	7,985	$	9,077	$	11,380	$	3,441	$	6,923	$	1,410	$	3,183	$	457	$	49,869

Schedule of credit risk profile by risk grade of loans

	Total Non-acquired Loans
	September 30,		December 31,		September 30,
(Dollars in thousands)	2019		2018		2018
Pass	$	8,808,623	$	7,813,938	$	7,487,440
Special mention		66,929		66,645		71,106
Substandard		52,960		52,703		47,932
Doubtful		—		—		—
	$	8,928,512	$	7,933,286	$	7,606,478

Aging analysis of past due loans (includes nonaccrual loans), segregated by class of loans

	30 - 59 Days		60 - 89 Days		90+ Days		Total				Total
(Dollars in thousands)	Past Due		Past Due		Past Due		Past Due		Current		Loans
September 30, 2019
Commercial real estate:
Construction and land development	$	194	$	17	$	323	$	534	$	954,784	$	955,318
Commercial non-owner occupied		173		—		299		472		1,776,855		1,777,327
Commercial owner occupied		2,914		1,662		2,776		7,352		1,670,343		1,677,695
Consumer real estate:
Consumer owner occupied		1,610		569		2,271		4,450		2,113,677		2,118,127
Home equity loans		478		368		183		1,029		520,715		521,744
Commercial and industrial		1,219		480		1,525		3,224		1,127,623		1,130,847
Other income producing property		115		182		52		349		220,608		220,957
Consumer		793		205		806		1,804		523,236		525,040
Other loans		—		—		—		—		1,457		1,457
	$	7,496	$	3,483	$	8,235	$	19,214	$	8,909,298	$	8,928,512
December 31, 2018
Commercial real estate:
Construction and land development	$	693	$	305	$	452	$	1,450	$	839,995	$	841,445
Commercial non-owner occupied		68		18		396		482		1,415,069		1,415,551
Commercial owner occupied		1,639		1,495		904		4,038		1,513,513		1,517,551
Consumer real estate:
Consumer owner occupied		1,460		789		943		3,192		1,933,073		1,936,265
Home equity loans		744		532		713		1,989		493,159		495,148
Commercial and industrial		898		120		573		1,591		1,053,361		1,054,952
Other income producing property		169		26		289		484		213,869		214,353
Consumer		437		174		718		1,329		447,335		448,664
Other loans		—		—		—		—		9,357		9,357
	$	6,108	$	3,459	$	4,988	$	14,555	$	7,918,731	$	7,933,286
September 30, 2018
Commercial real estate:
Construction and land development	$	535	$	537	$	77	$	1,149	$	901,687	$	902,836
Commercial non-owner occupied		466		—		676		1,142		1,278,186		1,279,328
Commercial owner occupied		2,562		1,249		871		4,682		1,444,387		1,449,069
Consumer real estate:
Consumer owner occupied		866		264		920		2,050		1,842,153		1,844,203
Home equity loans		1,667		296		749		2,712		470,669		473,381
Commercial and industrial		716		297		905		1,918		989,924		991,842
Other income producing property		1,163		—		249		1,412		208,571		209,983
Consumer		702		171		686		1,559		437,230		438,789
Other loans		—		—		—		—		17,047		17,047
	$	8,677	$	2,814	$	5,133	$	16,624	$	7,589,854	$	7,606,478

Non-acquired loans | Consumer

Loans and Allowance for Loan Losses

Schedule of credit risk profile by risk grade of loans

	Consumer Owner Occupied						Home Equity						Consumer
	September 30,		December 31,		September 30,		September 30,		December 31,		September 30,		September 30,		December 31,		September 30,
(Dollars in thousands)	2019		2018		2018		2019		2018		2018		2019		2018		2018
Pass	$	2,091,129	$	1,909,427	$	1,816,735	$	510,508	$	481,607	$	460,720	$	522,674	$	446,823	$	437,043
Special mention		9,054		11,304		11,614		5,373		7,293		6,037		421		437		517
Substandard		17,944		15,534		15,854		5,863		6,248		6,624		1,945		1,404		1,229
Doubtful		—		—		—		—		—		—		—		—		—
	$	2,118,127	$	1,936,265	$	1,844,203	$	521,744	$	495,148	$	473,381	$	525,040	$	448,664	$	438,789

	Other						Consumer Total
	September 30, 2019		December 31, 2018		September 30, 2018		September 30, 2019		December 31, 2018		September 30, 2018
Pass	$	1,457	$	9,357	$	17,047	$	3,125,768	$	2,847,214	$	2,731,545
Special mention		—		—		—		14,848		19,034		18,168
Substandard		—		—		—		25,752		23,186		23,707
Doubtful		—		—		—		—		—		—
	$	1,457	$	9,357	$	17,047	$	3,166,368	$	2,889,434	$	2,773,420

Non-acquired loans | Commercial loans

Loans and Allowance for Loan Losses

Schedule of credit risk profile by risk grade of loans

	Construction & Development						Commercial Non-owner Occupied						Commercial Owner Occupied
	September 30,		December 31,		September 30,		September 30,		December 31,		September 30,		September 30,		December 31,		September 30,
(Dollars in thousands)	2019		2018		2018		2019		2018		2018		2019		2018		2018
Pass	$	947,230	$	832,612	$	889,818	$	1,768,013	$	1,407,744	$	1,270,557	$	1,648,456	$	1,480,267	$	1,421,090
Special mention		5,601		6,015		9,906		7,091		6,427		7,027		17,319		24,576		18,337
Substandard		2,487		2,818		3,112		2,223		1,380		1,744		11,920		12,708		9,642
Doubtful		—		—		—		—		—		—		—		—		—
	$	955,318	$	841,445	$	902,836	$	1,777,327	$	1,415,551	$	1,279,328	$	1,677,695	$	1,517,551	$	1,449,069

	Commercial & Industrial						Other Income Producing Property						Commercial Total
	September 30,		December 31,		September 30,		September 30,		December 31,		September 30,		September 30,		December 31,		September 30,
	2019		2018		2018		2019		2018		2018		2019		2018		2018
Pass	$	1,103,532	$	1,037,915	$	970,586	$	215,624	$	208,186	$	203,844	$	5,682,855	$	4,966,724	$	4,755,895
Special mention		18,148		5,887		12,997		3,922		4,706		4,671		52,081		47,611		52,938
Substandard		9,167		11,150		8,259		1,411		1,461		1,468		27,208		29,517		24,225
Doubtful		—		—		—		—		—		—		—		—		—
	$	1,130,847	$	1,054,952	$	991,842	$	220,957	$	214,353	$	209,983	$	5,762,144	$	5,043,852	$	4,833,058

Acquired credit impaired loans

Loans and Allowance for Loan Losses

Summary of loans

	September 30,		December 31,		September 30,
(Dollars in thousands)	2019		2018		2018
Acquired credit impaired loans:
Commercial real estate	$	149,134	$	196,764	$	209,518
Commercial real estate—construction and development		26,930		32,942		34,312
Residential real estate		175,044		207,482		218,019
Consumer		36,812		42,492		44,081
Commercial and industrial		8,112		10,043		10,671
Acquired credit impaired loans		396,032		489,723		516,601
Less allowance for loan losses		(5,318)		(4,604)		(3,968)
Acquired credit impaired loans, net	$	390,714	$	485,119	$	512,633

Schedule of contractual loan payments receivable, estimates of amounts not expected to be collected, other fair value adjustments and the resulting carrying values

	September 30,		December 31,		September 30,
(Dollars in thousands)	2019		2018		2018
Contractual principal and interest	$	496,141	$	626,691	$	666,040
Non-accretable difference		(15,292)		(24,818)		(38,422)
Cash flows expected to be collected		480,849		601,873		627,618
Accretable yield		(90,135)		(116,754)		(114,985)
Carrying value	$	390,714	$	485,119	$	512,633

Schedule of refined accretable yield balance

	Nine Months Ended September 30,
(Dollars in thousands)	2019		2018
Balance at beginning of period	$	116,754	$	133,096
Park Sterling Corporation ("Park Sterling") acquisition Day 1 adjustment		—		(1,460)
Contractual interest income		(20,515)		(25,278)
Accretion on acquired credit impaired loans		(14,978)		(13,905)
Reclass of nonaccretable difference due to improvement in expected cash flows		9,009		22,803
Other changes, net		(135)		(271)
Balance at end of period	$	90,135	$	114,985

Schedule of changes in allowance for loan losses

			Commercial
			Real Estate-
	Commercial		Construction and		Residential				Commercial
(Dollars in thousands)	Real Estate		Development		Real Estate		Consumer		and Industrial		Total
Three Months Ended September 30, 2019
Allowance for loan losses:
Balance, June 30, 2019	$	1,009	$	798	$	2,346	$	470	$	—	$	4,623
Provision (benefit) for loan losses		386		(38)		447		(9)		—		786
Reduction due to loan removals		—		—		(91)		—		—		(91)
Balance, September 30, 2019	$	1,395	$	760	$	2,702	$	461	$	—	$	5,318
Loans individually evaluated for impairment	$	—	$	—	$	—	$	—	$	—	$	—
Loans collectively evaluated for impairment	$	1,395	$	760	$	2,702	$	461	$	—	$	5,318
Loans:*
Loans individually evaluated for impairment	$	—	$	—	$	—	$	—	$	—	$	—
Loans collectively evaluated for impairment		149,134		26,930		175,044		36,812		8,112		396,032
Total acquired credit impaired loans	$	149,134	$	26,930	$	175,044	$	36,812	$	8,112	$	396,032
Three Months Ended September 30, 2018
Allowance for loan losses:
Balance , June 30, 2018	$	636	$	576	$	2,514	$	572	$	128	$	4,426
Provision (benefit) for loan losses		62		(205)		(87)		(26)		(28)		(284)
Reduction due to loan removals		(6)		(31)		(116)		—		(21)		(174)
Balance, September 30, 2018	$	692	$	340	$	2,311	$	546	$	79	$	3,968
Loans individually evaluated for impairment	$	—	$	—	$	—	$	—	$	—	$	—
Loans collectively evaluated for impairment	$	692	$	340	$	2,311	$	546	$	79	$	3,968
Loans:*
Loans individually evaluated for impairment	$	—	$	—	$	—	$	—	$	—	$	—
Loans collectively evaluated for impairment		209,518		34,312		218,019		44,081		10,671		516,601
Total acquired credit impaired loans	$	209,518	$	34,312	$	218,019	$	44,081	$	10,671	$	516,601

			Commercial
			Real Estate-
	Commercial		Construction and		Residential				Commercial
(Dollars in thousands)	Real Estate		Development		Real Estate		Consumer		and Industrial		Total
Nine Months Ended September 30, 2019
Allowance for loan losses:
Balance, December 31, 2018	$	801	$	717	$	2,246	$	761	$	79	$	4,604
Provision (benefit) for loan losses		599		43		742		(300)		(34)		1,050
Reduction due to loan removals		(5)		—		(286)		—		(45)		(336)
Balance, September 30, 2019	$	1,395	$	760	$	2,702	$	461	$	—	$	5,318
Nine Months Ended September 30, 2018
Allowance for loan losses:
Balance, December 31, 2017	$	288	$	180	$	3,553	$	461	$	145	$	4,627
Provision (benefit) for loan losses		423		273		(894)		88		511		401
Reduction due to loan removals		(19)		(113)		(348)		(3)		(577)		(1,060)
Balance, September 30, 2018	$	692	$	340	$	2,311	$	546	$	79	$	3,968

*— The carrying value of acquired credit impaired loans includes a non-accretable difference which is primarily associated with the assessment of credit quality of acquired loans.

Schedule of credit risk profile by risk grade of loans

							Commercial Real Estate—
							Construction and
	Commercial Real Estate						Development
	September 30,		December 31,		September 30,		September 30,		December 31,		September 30,
(Dollars in thousands)	2019		2018		2018		2019		2018		2018
Pass	$	121,264	$	160,788	$	164,435	$	18,978	$	20,293	$	20,796
Special mention		9,064		14,393		22,629		3,018		3,001		3,165
Substandard		18,806		21,583		22,454		4,934		9,648		10,351
Doubtful		—		—		—		—		—		—
	$	149,134	$	196,764	$	209,518	$	26,930	$	32,942	$	34,312

	Residential Real Estate						Consumer						Commercial & Industrial
	September 30,		December 31,		September 30,		September 30,		December 31,		September 30,		September 30,		December 31,		September 30,
	2019		2018		2018		2019		2018		2018		2019		2018		2018
Pass	$	88,131	$	104,181	$	109,004	$	4,696	$	5,751	$	5,927	$	5,703	$	5,093	$	5,514
Special mention		36,901		41,964		42,834		12,723		14,484		14,795		471		546		584
Substandard		50,012		61,337		66,181		19,393		22,257		23,359		1,938		4,404		4,573
Doubtful		—		—		—		—		—		—		—		—		—
	$	175,044	$	207,482	$	218,019	$	36,812	$	42,492	$	44,081	$	8,112	$	10,043	$	10,671

	Total Acquired
	Credit Impaired Loans
	September 30,		December 31,		September 30,
	2019		2018		2018
Pass	$	238,772	$	296,106	$	305,676
Special mention		62,177		74,388		84,007
Substandard		95,083		119,229		126,918
Doubtful		—		—		—
	$	396,032	$	489,723	$	516,601

Aging analysis of past due loans (includes nonaccrual loans), segregated by class of loans

	30 - 59 Days		60 - 89 Days		90+ Days		Total				Total
(Dollars in thousands)	Past Due		Past Due		Past Due		Past Due		Current		Loans
September 30, 2019
Commercial real estate	$	444	$	252	$	2,671	$	3,367	$	145,767	$	149,134
Commercial real estate—construction and development		88		—		261		349		26,581		26,930
Residential real estate		2,317		1,143		5,016		8,476		166,568		175,044
Consumer		948		185		499		1,632		35,180		36,812
Commercial and industrial		282		—		77		359		7,753		8,112
	$	4,079	$	1,580	$	8,524	$	14,183	$	381,849	$	396,032
December 31, 2018
Commercial real estate	$	876	$	112	$	4,533	$	5,521	$	191,243	$	196,764
Commercial real estate—construction and development		115		12		2,816		2,943		29,999		32,942
Residential real estate		4,620		1,251		8,487		14,358		193,124		207,482
Consumer		722		90		839		1,651		40,841		42,492
Commercial and industrial		2,437		—		88		2,525		7,518		10,043
	$	8,770	$	1,465	$	16,763	$	26,998	$	462,725	$	489,723
September 30, 2018
Commercial real estate	$	1,517	$	375	$	5,608	$	7,500	$	202,018	$	209,518
Commercial real estate—construction and development		768		309		2,905		3,982		30,330		34,312
Residential real estate		6,506		1,392		8,371		16,269		201,750		218,019
Consumer		671		168		891		1,730		42,351		44,081
Commercial and industrial		2,625		83		88		2,796		7,875		10,671
	$	12,087	$	2,327	$	17,863	$	32,277	$	484,324	$	516,601

Non acquired non-accrual loans

Loans and Allowance for Loan Losses

Summary of information pertaining to nonaccrual loans by class

	September 30,		December 31,		September 30,
(Dollars in thousands)	2019		2018		2018
Commercial non-owner occupied real estate:
Construction and land development	$	412	$	424	$	404
Commercial non-owner occupied		457		831		1,110
Total commercial non-owner occupied real estate		869		1,255		1,514
Consumer real estate:
Consumer owner occupied		7,374		7,109		6,406
Home equity loans		1,273		2,333		2,623
Total consumer real estate		8,647		9,442		9,029
Commercial owner occupied real estate		4,062		1,068		1,063
Commercial and industrial		2,565		647		957
Other income producing property		628		500		474
Consumer		1,539		1,267		1,177
Restructured loans		544		648		1,065
Total loans on nonaccrual status	$	18,854	$	14,827	$	15,279

Acquired non-credit impaired loans

Loans and Allowance for Loan Losses

Summary of loans

	September 30,		December 31,		September 30,
(Dollars in thousands)	2019		2018		2018
Acquired non-credit impaired loans:
Commercial non-owner occupied real estate:
Construction and land development	$	53,302	$	165,070	$	222,562
Commercial non-owner occupied		503,443		679,253		684,793
Total commercial non-owner occupied real estate		556,745		844,323		907,355
Consumer real estate:
Consumer owner occupied		543,432		628,813		647,064
Home equity loans		198,112		242,425		259,558
Total consumer real estate		741,544		871,238		906,622
Commercial owner occupied real estate		345,040		421,841		455,803
Commercial and industrial		126,092		212,537		247,922
Other income producing property		103,093		133,110		150,371
Consumer		93,089		111,777		118,029
Acquired non-credit impaired loans	$	1,965,603	$	2,594,826	$	2,786,102

Schedule of changes in allowance for loan losses

	Construction		Commercial		Commercial		Consumer						Other Income
	& Land		Non-owner		Owner		Owner		Home		Commercial		Producing
(Dollars in thousands)	Development		Occupied		Occupied		Occupied		Equity		& Industrial		Property		Consumer		Total
Three Months Ended September 30, 2019
Allowance for loan losses:
Balance at beginning of period	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—
Charge-offs		(39)		—		—		—		(23)		(648)		—		(100)		(810)
Recoveries		1		—		—		21		9		10		—		9		50
Provision (benefit)		38		—		—		(21)		14		638		—		91		760
Balance, September 30, 2019	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—
Loans individually evaluated for impairment	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—
Loans collectively evaluated for impairment	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—
Loans:
Loans individually evaluated for impairment	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—
Loans collectively evaluated for impairment		53,302		503,443		345,040		543,432		198,112		126,092		103,093		93,089		1,965,603
Total acquired non-credit impaired loans	$	53,302	$	503,443	$	345,040	$	543,432	$	198,112	$	126,092	$	103,093	$	93,089	$	1,965,603
Three Months Ended September 30, 2018
Allowance for loan losses:
Balance at beginning of period	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—
Charge-offs		—		—		—		—		(4)		(30)		—		(63)		(97)
Recoveries		1		—		—		1		6		5		—		14		27
Provision (benefit)		(1)		—		—		(1)		(2)		25		—		49		70
Balance, September 30, 2018	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—
Loans individually evaluated for impairment	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—
Loans collectively evaluated for impairment	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—
Loans:
Loans individually evaluated for impairment	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—
Loans collectively evaluated for impairment		222,562		684,793		455,803		647,064		259,558		247,922		150,371		118,029		2,786,102
Total acquired non-credit impaired loans	$	222,562	$	684,793	$	455,803	$	647,064	$	259,558	$	247,922	$	150,371	$	118,029	$	2,786,102

	Construction		Commercial		Commercial		Consumer						Other Income
	& Land		Non-owner		Owner		Owner		Home		Commercial		Producing
(Dollars in thousands)	Development		Occupied		Occupied		Occupied		Equity		& Industrial		Property		Consumer		Total
Nine Months Ended September 30, 2019
Allowance for loan losses:
Balance, December 31, 2018	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—
Charge-offs		(45)		—		(786)		(6)		(263)		(1,288)		(26)		(305)		(2,719)
Recoveries		3		—		—		26		55		181		71		36		372
Provision (benefit)		42		—		786		(20)		208		1,107		(45)		269		2,347
Balance, September 30, 2019	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—
Nine Months Ended September 30, 2018
Allowance for loan losses:
Balance, December 31, 2017	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—
Charge-offs		(106)		—		(28)		(70)		(244)		(838)		—		(328)		(1,614)
Recoveries		8		—		—		63		85		60		—		63		279
Provision (benefit)		98		—		28		7		159		778		—		265		1,335
Balance, September 30, 2018	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—

Schedule of credit risk profile by risk grade of loans

	Total Acquired
	Non-credit Impaired Loans
	September 30,		December 31,		September 30,
(Dollars in thousands)	2019		2018		2018
Pass	$	1,897,922	$	2,523,010	$	2,716,956
Special mention		31,970		48,716		52,428
Substandard		35,711		23,100		16,718
Doubtful		—		—		—
	$	1,965,603	$	2,594,826	$	2,786,102

Aging analysis of past due loans (includes nonaccrual loans), segregated by class of loans

	30 - 59 Days		60 - 89 Days		90+ Days		Total				Total
(Dollars in thousands)	Past Due		Past Due		Past Due		Past Due		Current		Loans
September 30, 2019
Commercial real estate:
Construction and land development	$	323	$	—	$	162	$	485	$	52,817	$	53,302
Commercial non-owner occupied		697		—		255		952		502,491		503,443
Commercial owner occupied		2,401		168		723		3,292		341,748		345,040
Consumer real estate:
Consumer owner occupied		953		163		327		1,443		541,989		543,432
Home equity loans		653		201		1,137		1,991		196,121		198,112
Commercial and industrial		857		32		321		1,210		124,882		126,092
Other income producing property		1,008		293		85		1,386		101,707		103,093
Consumer		881		134		506		1,521		91,568		93,089
	$	7,773	$	991	$	3,516	$	12,280	$	1,953,323	$	1,965,603
December 31, 2018
Commercial real estate:
Construction and land development	$	647	$	45	$	365	$	1,057	$	164,013	$	165,070
Commercial non-owner occupied		607		21		283		911		678,342		679,253
Commercial owner occupied		964		1,006		—		1,970		419,871		421,841
Consumer real estate:
Consumer owner occupied		1,127		621		789		2,537		626,276		628,813
Home equity loans		1,286		442		2,209		3,937		238,488		242,425
Commercial and industrial		2,648		130		19		2,797		209,740		212,537
Other income producing property		603		276		129		1,008		132,102		133,110
Consumer		574		209		532		1,315		110,462		111,777
	$	8,456	$	2,750	$	4,326	$	15,532	$	2,579,294	$	2,594,826
September 30, 2018
Commercial real estate:
Construction and land development	$	6	$	199	$	373	$	578	$	221,984	$	222,562
Commercial non-owner occupied		3,931		48		—		3,979		680,814		684,793
Commercial owner occupied		564		198		711		1,473		454,330		455,803
Consumer real estate:
Consumer owner occupied		552		405		575		1,532		645,532		647,064
Home equity loans		1,295		527		2,421		4,243		255,315		259,558
Commercial and industrial		116		589		264		969		246,953		247,922
Other income producing property		804		343		129		1,276		149,095		150,371
Consumer		541		298		465		1,304		116,725		118,029
	$	7,809	$	2,607	$	4,938	$	15,354	$	2,770,748	$	2,786,102

Summary of information pertaining to nonaccrual loans by class

	September 30,		December 31,		September 30,
(Dollars in thousands)	2019		2018		2018
Commercial non-owner occupied real estate:
Construction and land development	$	1,031	$	252	$	402
Commercial non-owner occupied		266		283		—
Total commercial non-owner occupied real estate		1,297		535		402
Consumer real estate:
Consumer owner occupied		1,739		3,864		2,408
Home equity loans		3,034		4,512		4,901
Total consumer real estate		4,773		8,376		7,309
Commercial owner occupied real estate		933		1,470		904
Commercial and industrial		692		1,296		354
Other income producing property		270		244		249
Consumer		1,631		1,568		1,580
Total loans on nonaccrual status	$	9,596	$	13,489	$	10,798

Acquired non-credit impaired loans | Commercial loans

Loans and Allowance for Loan Losses

Schedule of credit risk profile by risk grade of loans

							Commercial Non-owner
	Construction & Development						Occupied						Commercial Owner Occupied
	September 30,		December 31,		September 30,		September 30,		December 31,		September 30,		September 30,		December 31,		September 30,
(Dollars in thousands)	2019		2018		2018		2019		2018		2018		2019		2018		2018
Pass	$	51,340	$	163,777	$	221,034	$	492,258	$	665,913	$	670,176	$	330,005	$	411,783	$	447,877
Special mention		736		838		921		5,035		13,018		14,612		3,427		5,664		6,933
Substandard		1,226		455		607		6,150		322		5		11,608		4,394		993
Doubtful		—		—		—		—		—		—		—		—		—
	$	53,302	$	165,070	$	222,562	$	503,443	$	679,253	$	684,793	$	345,040	$	421,841	$	455,803

							Other Income Producing
	Commercial & Industrial						Property						Commercial Total
	September 30,		December 31,		September 30,		September 30,		December 31,		September 30,		September 30,		December 31,		September 30,
	2019		2018		2018		2019		2018		2018		2019		2018		2018
Pass	$	120,926	$	202,399	$	239,906	$	95,611	$	125,399	$	143,349	$	1,090,140	$	1,569,271	$	1,722,342
Special mention		4,051		6,523		7,634		5,937		6,419		6,208		19,186		32,462		36,308
Substandard		1,115		3,615		382		1,545		1,292		814		21,644		10,078		2,801
Doubtful		—		—		—		—		—		—		—		—		—
	$	126,092	$	212,537	$	247,922	$	103,093	$	133,110	$	150,371	$	1,130,970	$	1,611,811	$	1,761,451

Acquired non-credit impaired loans | Consumer

Loans and Allowance for Loan Losses

Schedule of credit risk profile by risk grade of loans

	Consumer Owner Occupied						Home Equity						Consumer
	September 30,		December 31,		September 30,		September 30,		December 31,		September 30,		September 30,		December 31,		September 30,
(Dollars in thousands)	2019		2018		2018		2019		2018		2018		2019		2018		2018
Pass	$	532,760	$	617,391	$	635,443	$	184,946	$	227,515	$	244,017	$	90,076	$	108,833	$	115,154
Special mention		6,805		7,868		7,412		5,405		7,688		8,089		574		698		619
Substandard		3,867		3,554		4,209		7,761		7,222		7,452		2,439		2,246		2,256
Doubtful		—		—		—		—		—		—		—		—		—
	$	543,432	$	628,813	$	647,064	$	198,112	$	242,425	$	259,558	$	93,089	$	111,777	$	118,029

	Consumer Total
	September 30,		December 31,		September 30,
	2019		2018		2018
Pass	$	807,782	$	953,739	$	994,614
Special mention		12,784		16,254		16,120
Substandard		14,067		13,022		13,917
Doubtful		—		—		—
	$	834,633	$	983,015	$	1,024,651