Loans (Tables)

6 Months Ended

Jun. 30, 2020

Summary of Loans

Summary of loans

	June 30,		December 31,		June 30,
(Dollars in thousands)	2020		2019		2019
Loans:
Commercial non-owner occupied real estate:
Construction and land development	$	1,999,062	$	1,017,261	$	957,346
Commercial non-owner occupied		6,021,317		2,323,967		2,398,249
Total commercial non-owner occupied real estate		8,020,379		3,341,228		3,355,595
Consumer real estate:
Consumer owner occupied		4,421,247		2,706,960		2,762,266
Home equity loans		1,378,406		758,020		778,234
Total consumer real estate		5,799,653		3,464,980		3,540,500
Commercial owner occupied real estate		4,762,520		2,158,701		2,047,933
Commercial and industrial		5,341,363		1,386,327		1,271,464
Other income producing property		650,237		346,554		367,353
Consumer		916,623		663,422		641,746
Other loans		8,372		13,892		1,601
Total loans		25,499,147		11,375,104		11,226,192
Less allowance for credit losses		(434,608)		(61,991)		(58,213)
Loans, net	$	25,064,539	$	11,313,113	$	11,167,979

Schedule of credit risk profile by risk grade of loans

The following table presents the credit risk profile by risk grade of commercial loans by origination year:

	Term Loans
(Dollars in thousands)	Amortized Cost Basis by Origination Year
As of June 30, 2020	2020	2019	2018	2017	2016	Prior	Revolving	Total
Construction and land development
Risk rating:
Pass	$ 199,936	$ 510,803	$ 279,428	$ 103,847	$ 57,641	$ 69,826	$ 34,926	$ 1,256,407
Special mention	2,257	2,873	1,180	1,659	4,442	24,916	-	37,327
Substandard	956	1,276	847	1,994	640	6,054	-	11,767
Doubtful	-	-	-	-	-	9	-	9
Total Construction and land development	$ 203,149	$ 514,952	$ 281,455	$ 107,500	$ 62,723	$ 100,805	$ 34,926	$ 1,305,510
Commercial non-owner occupied
Risk rating:
Pass	$ 475,488	$ 1,245,957	$ 960,265	$ 846,420	$ 798,704	$ 1,434,433	$ 69,448	$ 5,830,715
Special mention	18,033	19,105	13,728	13,909	23,116	58,534	-	146,425
Substandard	544	490	891	4,013	748	37,491	-	44,177
Doubtful	-	-	-	-	-	-	-	-
Total Commercial non-owner occupied	$ 494,065	$ 1,265,552	$ 974,884	$ 864,342	$ 822,568	$ 1,530,458	$ 69,448	$ 6,021,317
Commercial Owner Occupied
Risk rating:
Pass	$ 389,994	$ 963,362	$ 772,833	$ 655,842	$ 515,748	$ 1,237,377	$ 36,912	$ 4,572,068
Special mention	4,321	4,748	11,088	11,847	16,454	47,071	75	$ 95,604
Substandard	1,082	8,507	3,602	18,947	9,584	52,617	504	$ 94,843
Doubtful	-	-	-	-	-	5	-	$ 5
Total commercial owner occupied	$ 395,397	$ 976,617	$ 787,523	$ 686,636	$ 541,786	$ 1,337,070	$ 37,491	$ 4,762,520
Commercial and industrial
Risk rating:
Pass	$ 2,728,441	$ 682,631	$ 544,702	$ 373,812	$ 250,446	$ 438,143	$ 245,202	$ 5,263,377
Special mention	4,131	7,403	2,294	7,046	2,481	25,136	5,546	54,037
Substandard	510	915	6,093	4,885	2,644	6,685	2,206	23,938
Doubtful	-	-	1	3	2	4	1	11
Total commercial and industrial	$ 2,733,082	$ 690,949	$ 553,090	$ 385,746	$ 255,573	$ 469,968	$ 252,955	$ 5,341,363
Other income producing property
Risk rating:
Pass	$ 64,034	$ 89,123	$ 86,317	$ 72,317	$ 78,294	$ 161,177	$ 6,595	$ 557,857
Special mention	2,007	2,289	1,646	438	1,001	13,529	100	21,010
Substandard	835	951	704	1,542	1,803	13,507	47	19,389
Doubtful	-	-	-	-	-	7	-	7
Total other income producing property	$ 66,876	$ 92,363	$ 88,667	$ 74,297	$ 81,098	$ 188,220	$ 6,742	$ 598,263
Consumer owner occupied
Risk rating:
Pass	$ 3,217	$ 5,495	$ 660	$ 422	$ 1,597	$ 5,216	$ 15,729	$ 32,336
Special mention	23	4,070	253	65	-	177	353	$ 4,941
Substandard	128	391	143	90	8	349	-	$ 1,109
Doubtful	-	-	-	1	-	-	-	$ 1
Total Consumer owner occupied	$ 3,368	$ 9,956	$ 1,056	$ 578	$ 1,605	$ 5,742	$ 16,082	$ 38,387
Other loans
Risk rating:
Pass	$ 8,372	$ -	$ -	$ -	$ -	$ -	$ -	$ 8,372
Special mention	-	-	-	-	-	-	-	-
Substandard	-	-	-	-	-	-	-	-
Doubtful	-	-	-	-	-	-	-	-
Total other loans	$ 8,372	$ -	$ -	$ -	$ -	$ -	$ -	$ 8,372
Total Commercial Loans
Risk rating:
Pass	$ 3,869,482	$ 3,497,371	$ 2,644,205	$ 2,052,660	$ 1,702,430	$ 3,346,172	$ 408,812	$ 17,521,132
Special mention	30,772	40,488	30,189	34,964	47,494	169,363	6,074	359,344
Substandard	4,055	12,530	12,280	31,471	15,427	116,703	2,757	195,223
Doubtful	-	-	1	4	2	25	1	33
Total Commercial Loans	$ 3,904,309	$ 3,550,389	$ 2,686,675	$ 2,119,099	$ 1,765,353	$ 3,632,263	$ 417,644	$ 18,075,732

For the consumer segment, delinquency of a loan is determined by past due status. Consumer loans are automatically placed on nonaccrual status once the loan is 90 days past due. The following table presents the credit risk profile by past due status of consumer loans by origination year:

	Term Loans
(Dollars in thousands)	Amortized Cost Basis by Origination Year
As of June 30, 2020	2020	2019	2018	2017	2016	Prior	Revolving	Total
Consumer owner occupied
Days past due:
Current	$ 432,211	$ 693,736	$ 716,053	$ 652,993	$ 501,874	$ 1,360,705	$ -	$ 4,357,572
30 days past due	116	614	519	852	-	5,381	-	7,482
60 days past due	1,874	399	1,147	-	6	2,184	-	5,610
90 days past due	524	952	418	513	405	9,384	-	12,196
Total Consumer owner occupied	$ 434,725	$ 695,701	$ 718,137	$ 654,358	$ 502,285	$ 1,377,654	$ -	$ 4,382,860
Home equity loans
Days past due:
Current	$ 3,390	$ 7,482	$ 11,064	$ 2,981	$ 995	$ 35,243	$ 1,304,946	$ 1,366,101
30 days past due	88	50	-	52	-	325	2,405	2,920
60 days past due	-	91	161	10	-	202	989	1,453
90 days past due	-	68	-	137	316	3,073	4,338	7,932
Total Home equity loans	$ 3,478	$ 7,691	$ 11,225	$ 3,180	$ 1,311	$ 38,843	$ 1,312,678	$ 1,378,406
Consumer
Days past due:
Current	$ 162,479	$ 257,578	$ 149,477	$ 83,299	$ 53,149	$ 194,897	$ 9,965	$ 910,844
30 days past due	57	186	262	227	46	991	16	1,785
60 days past due	29	165	75	42	47	912	8	1,278
90 days past due	162	239	335	257	66	1,657	-	2,716
Total consumer	$ 162,727	$ 258,168	$ 150,149	$ 83,825	$ 53,308	$ 198,457	$ 9,989	$ 916,623
Construction and land development
Days past due:
Current	$ 128,584	$ 358,469	$ 125,820	$ 32,759	$ 10,547	$ 36,800	$ -	$ 692,979
30 days past due	-	-	-	-	-	24	-	24
60 days past due	-	-	150	125	-		-	275
90 days past due	-	-	-	-	-	274	-	274
Total Construction and land development	$ 128,584	$ 358,469	$ 125,970	$ 32,884	$ 10,547	$ 37,098	$ -	$ 693,552
Other income producing property
Days past due:
Current	$ 2,837	$ 1,802	$ 2,686	$ 4,502	$ 3,928	$ 36,205	-	$ 51,960
30 days past due	-	-	-	-	-	14	-	14
60 days past due	-	-	-	-	-	-	-	-
90 days past due	-	-	-	-	-	-	-	-
Total other income producing property	$ 2,837	$ 1,802	$ 2,686	$ 4,502	$ 3,928	$ 36,219	$ -	$ 51,974
Total Consumer Loans
Days past due:
Current	$ 729,501	$ 1,319,067	$ 1,005,100	$ 776,534	$ 570,493	$ 1,663,850	$ 1,314,911	$ 7,379,456
30 days past due	261	850	781	1,131	46	6,735	2,421	12,225
60 days past due	1,903	655	1,533	177	53	3,298	997	8,616
90 days past due	686	1,259	753	907	787	14,388	4,338	23,118
Total Consumer Loans	$ 732,351	$ 1,321,831	$ 1,008,167	$ 778,749	$ 571,379	$ 1,688,271	$ 1,322,667	$ 7,423,415

	Term Loans
(Dollars in thousands)	Amortized Cost Basis by Origination Year
As of June 30, 2020	2020	2019	2018	2017	2016	Prior	Revolving	Total
Total Loans	$ 4,636,660	$ 4,872,220	$ 3,694,842	$ 2,897,848	$ 2,336,732	$ 5,320,534	$ 1,740,311	$ 25,499,147

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		Non-Accruing		Loans
June 30, 2020
Commercial real estate:
Construction and land development	$	1,516	$	928	$	—	$	2,444	$	1,993,651	$	2,967	$	1,999,062
Commercial non-owner occupied		1,027		750		—		1,777		6,009,897		9,643		6,021,317
Commercial owner occupied		3,477		411		16		3,904		4,722,026		36,590		4,762,520
Consumer real estate:
Consumer owner occupied		6,982		4,677		310		11,969		4,371,397		37,881		4,421,247
Home equity loans		2,500		1,414		—		3,914		1,361,489		13,003		1,378,406
Commercial and industrial		9,070		3,703		1,107		13,880		5,320,273		7,210		5,341,363
Other income producing property		1,047		275		38		1,360		640,932		7,945		650,237
Consumer		1,524		895		—		2,419		907,633		6,571		916,623
Other loans		16		9		—		25		8,347		—		8,372
	$	27,159	$	13,062	$	1,471	$	41,692	$	25,335,645	$	121,810	$	25,499,147

Summary of information pertaining to nonaccrual loans by class

	December 31,		June 30,		Greater than		Non-accrual
(Dollars in thousands)	2019		2020		90 Days Accruing(1)		with no allowance(1)
Commercial non-owner occupied real estate:
Construction and land development	$	1,193	$	2,967	$	—	$	1,803
Commercial non-owner occupied		1,154		9,643		—		5,351
Total commercial non-owner occupied real estate		2,347		12,610		—		7,154
Consumer real estate:
Consumer owner occupied		9,718		37,881		310		20,224
Home equity loans		4,640		13,003		—		5,596
Total consumer real estate		14,358		50,884		310		25,820
Commercial owner occupied real estate		4,385		36,590		16		17,096
Commercial and industrial		6,913		7,210		1,107		5,154
Other income producing property		1,947		7,945		38		5,305
Consumer		3,191		6,571		—		1,072
Total loans on nonaccrual status	$	33,141	$	121,810	$	1,471	$	61,601

(1) – Greater than 90 days accruing and non-accrual with no allowance loans at June 30, 2020.

Summary of collateral dependent loans, by type of collateral

	December 31,		Collateral			June 30,		Collateral
(Dollars in thousands)	2019		Coverage		%	2020		Coverage		%
Commercial non-owner occupied
Warehouse	$	—	$	—		$	861	$	861	100%
Church		245		846	345%		—		—
Office		1,045		1,800	172%		3,079		3,113	101%
Other		398		648	163%		—		—
Retail		299		1,269	424%		—		—
Commercial owner occupied real estate
Church		—		—			1,986		1,540	78%
Industrial		738		1,103	149%		—		—
Office		1,076		1,485	138%		—		—
Retail		—		—			4,508		2,751	61%
Other		3,303		7,285	221%		4,545		3,652	80%
Consumer owner occupied							4,520		7,911	175%
Other		5,413		9,286	172%		362		362	100%
Home equity loans
Other		1,768		2,679	152%		1,178		1,546	131%
Commercial and industrial
Industrial		291		702	241%		—		—
Other		3,696		8,442	228%		1,270		2,791	220%
Other income producing property
Agriculture/farmland		—		—			1,200		834	70%
Other		3,212		10,186	317%		685		4,130	603%
Consumer
Other		363		525	145%		—		—
Total collateral dependent loans	$	21,847	$	46,256		$	24,194	$	29,491

Schedule of restructured loans segregated by class and type of concession

	Three Months Ended June 30,
	2020
		Pre-Modification	Post-Modification
	Number	Amortized	Amortized
(Dollars in thousands)	of loans	Cost	Cost
Interest rate modification
Construction and land development	--	$ --	$ --
Commercial non-owner occupied	--	--	--
Commercial owner occupied	1	1,215	1,215
Consumer owner occupied	--	--	--
Home equity loans	--	--	--
Commercial and industrial	--	--	--
Other income producing property	--	--	--
Consumer	--	--	--
Other loans	--	--	--
Total interest rate modifications	1	$ 1,215	$ 1,215
Term modification
Construction and land development	--	$ --	$ --
Commercial non-owner occupied	--	--	--
Commercial owner occupied	--	--	--
Consumer owner occupied	3	475	475
Home equity loans	--	--	--
Commercial and industrial	--	--	--
Other income producing property	--	--	--
Consumer	--	--	--
Other loans	--	--	--
Total term modifications	3	$ 475	$ 475
	4	$ 1,690	$ 1,690

	Six Months Ended June 30,
	2020
		Pre-Modification	Post-Modification
	Number	Amortized	Amortized
(Dollars in thousands)	of loans	Cost	Cost
Interest rate modification
Construction and land development	2	$ 102	$ 102
Commercial non-owner occupied	--	--	--
Commercial owner occupied	1	1,215	1,215
Consumer owner occupied	1	29	29
Home equity loans	--	--	--
Commercial and industrial	6	652	652
Other income producing property	1	340	340
Consumer	--	--	--
Other loans	--	--	--
Total interest rate modifications	11	$ 2,338	$ 2,338
Term modification
Construction and land development	-	$ --	$ --
Commercial non-owner occupied	--	--	--
Commercial owner occupied	--	--	--
Consumer owner occupied	4	527	527
Home equity loans	1	51	51
Commercial and industrial	1	276	276
Other income producing property	--	--	--
Consumer	--	--	--
Other loans	--	--	--
Total term modifications	6	$ 854	$ 854
	17	$ 3,192	$ 3,192

Schedule of changes in status of loans restructured within the previous 12 months

	Paying Under
	Restructured Terms		Converted to Nonaccrual		Foreclosures and Defaults
	Number	Amortized	Number	Amortized	Number	Amortized
(Dollars in thousands)	of Loans	Cost	of Loans	Cost	of Loans	Cost
Interest rate modification	14	$ 2,625	--	$ --	--	$ --
Term modification	9	995	--	--	1	276
	23	$ 3,620	--	$ --	1	$ 276

Non-acquired loans

Summary of Loans

Summary of loans

	December 31,		June 30,
(Dollars in thousands)	2019		2019
Non-acquired loans:
Commercial non-owner occupied real estate:
Construction and land development	$	968,360	$	879,724
Commercial non-owner occupied		1,811,138		1,723,640
Total commercial non-owner occupied real estate		2,779,498		2,603,364
Consumer real estate:
Consumer owner occupied		2,118,839		2,079,949
Home equity loans		518,628		514,242
Total consumer real estate		2,637,467		2,594,191
Commercial owner occupied real estate		1,784,017		1,589,987
Commercial and industrial		1,280,859		1,114,513
Other income producing property		218,617		214,203
Consumer		538,481		503,468
Other loans		13,892		1,601
Total non-acquired loans		9,252,831		8,621,327
Less allowance for loan losses		(56,927)		(53,590)
Non-acquired loans, net	$	9,195,904	$	8,567,737

Schedule of credit risk profile by risk grade of loans

	Total Non-acquired Loans
	December 31,		June 30,
(Dollars in thousands)	2019		2019
Pass	$	9,123,097	$	8,504,898
Special mention		83,830		66,580
Substandard		45,904		49,849
Doubtful		—		—
	$	9,252,831	$	8,621,327

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		Non-Accruing		Loans
December 31, 2019
Commercial real estate:
Construction and land development	$	321	$	34	$	—	$	355	$	967,511	$	494	$	968,360
Commercial non-owner occupied		114		—		—		114		1,810,264		760		1,811,138
Commercial owner occupied		3,218		553		—		3,771		1,776,764		3,482		1,784,017
Consumer real estate:
Consumer owner occupied		752		—		—		752		2,110,719		7,368		2,118,839
Home equity loans		1,343		39		—		1,382		515,673		1,573		518,628
Commercial and industrial		2,097		100		110		2,307		1,272,360		6,192		1,280,859
Other income producing property		208		—		404		612		217,159		846		218,617
Consumer		690		201		—		891		536,003		1,587		538,481
Other loans		25		3		—		28		13,864				13,892
	$	8,768	$	930	$	514	$	10,212	$	9,220,317	$	22,302	$	9,252,831
June 30, 2019
Commercial real estate:
Construction and land development	$	630	$	54	$	265	$	949	$	878,229	$	546	$	879,724
Commercial non-owner occupied		—		—		—		—		1,723,125		515		1,723,640
Commercial owner occupied		1,474		2,583		—		4,057		1,582,471		3,459		1,589,987
Consumer real estate:
Consumer owner occupied		497		114		—		611		2,072,464		6,874		2,079,949
Home equity loans		370		136		—		506		511,886		1,850		514,242
Commercial and industrial		1,003		365		10		1,378		1,112,815		320		1,114,513
Other income producing property		674		514		—		1,188		212,606		409		214,203
Consumer		593		240		—		833		501,283		1,352		503,468
Other loans		—		—		—		—		1,601		—		1,601
	$	5,241	$	4,006	$	275	$	9,522	$	8,596,480	$	15,325	$	8,621,327

Non-acquired loans | Consumer

Summary of Loans

Schedule of credit risk profile by risk grade of loans

	Consumer Owner Occupied				Home Equity				Consumer
	December 31,		June 30,		December 31,		June 30,		December 31,		June 30,
(Dollars in thousands)	2019		2019		2019		2019		2019		2019
Pass	$	2,094,080	$	2,052,808	$	508,054	$	502,305	$	536,002	$	501,474
Special mention		9,585		9,936		4,490		5,731		487		443
Substandard		15,174		17,205		6,084		6,206		1,992		1,551
Doubtful		—		—		—		—		—		—
	$	2,118,839	$	2,079,949	$	518,628	$	514,242	$	538,481	$	503,468

	Other				Consumer Total
	December 31, 2019		June 30, 2019		December 31, 2019		June 30, 2019
Pass	$	13,892	$	1,601	$	3,152,028	$	3,058,188
Special mention		—		—		14,562		16,110
Substandard		—		—		23,250		24,962
Doubtful		—		—		—		—
	$	13,892	$	1,601	$	3,189,840	$	3,099,260

Non-acquired loans | Commercial loans

Summary of Loans

Schedule of credit risk profile by risk grade of loans

	Construction & Development				Commercial Non-owner Occupied				Commercial Owner Occupied
	December 31,		June 30,		December 31,		June 30,		December 31,		June 30,
(Dollars in thousands)	2019		2019		2019		2019		2019		2019
Pass	$	959,206	$	871,393	$	1,787,306	$	1,714,606	$	1,754,801	$	1,561,594
Special mention		7,095		5,948		22,410		7,557		19,742		16,310
Substandard		2,059		2,383		1,422		1,477		9,474		12,083
Doubtful		—		—		—		—		—		—
	$	968,360	$	879,724	$	1,811,138	$	1,723,640	$	1,784,017	$	1,589,987

	Commercial & Industrial				Other Income Producing Property				Commercial Total
	December 31,		June 30,		December 31,		June 30,		December 31,		June 30,
	2019		2019		2019		2019		2019		2019
Pass	$	1,256,465	$	1,090,519	$	213,291	$	208,598	$	5,971,069	$	5,446,710
Special mention		16,055		16,279		3,966		4,376		69,268		50,470
Substandard		8,339		7,715		1,360		1,229		22,654		24,887
Doubtful		—		—		—		—		—		—
	$	1,280,859	$	1,114,513	$	218,617	$	214,203	$	6,062,991	$	5,522,067

Acquired credit impaired loans

Summary of Loans

Summary of loans

	December 31,		June 30,
(Dollars in thousands)	2019		2019
Acquired credit impaired loans:
Commercial real estate	$	130,938	$	164,540
Commercial real estate—construction and development		25,032		27,014
Residential real estate		163,359		184,208
Consumer		35,488		38,624
Commercial and industrial		7,029		10,198
Acquired credit impaired loans		361,846		424,584
Less allowance for loan losses		(5,064)		(4,623)
Acquired credit impaired loans, net	$	356,782	$	419,961

Schedule of credit risk profile by risk grade of loans

					Commercial Real Estate—
					Construction and
	Commercial Real Estate				Development
	December 31,		June 30,		December 31,		June 30,
(Dollars in thousands)	2019		2019		2019		2019
Pass	$	108,762	$	132,852	$	17,756	$	18,665
Special mention		6,465		13,811		2,904		3,181
Substandard		15,711		17,877		4,372		5,168
Doubtful		—		—		—		—
	$	130,938	$	164,540	$	25,032	$	27,014

	Residential Real Estate				Consumer				Commercial & Industrial
	December 31,		June 30,		December 31,		June 30,		December 31,		June 30,
	2019		2019		2019		2019		2019		2019
Pass	$	82,203	$	93,303	$	4,483	$	4,896	$	5,160	$	6,389
Special mention		35,968		39,020		12,658		13,250		286		508
Substandard		45,188		51,885		18,347		20,478		1,583		3,301
Doubtful		—		—		—		—		—		—
	$	163,359	$	184,208	$	35,488	$	38,624	$	7,029	$	10,198

	Total Acquired
	Credit Impaired Loans
	December 31,		June 30,
	2019		2019
Pass	$	218,364	$	256,105
Special mention		58,281		69,770
Substandard		85,201		98,709
Doubtful		—		—
	$	361,846	$	424,584

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
December 31, 2019
Commercial real estate	$	2,283	$	—	$	2,659	$	4,942	$	125,996	$	130,938
Commercial real estate—construction and development		—		—		393		393		24,639		25,032
Residential real estate		2,838		976		5,571		9,385		153,974		163,359
Consumer		820		283		534		1,637		33,851		35,488
Commercial and industrial		118		910		75		1,103		5,926		7,029
	$	6,059	$	2,169	$	9,232	$	17,460	$	344,386	$	361,846
June 30, 2019
Commercial real estate	$	883	$	244	$	4,263	$	5,390	$	159,150	$	164,540
Commercial real estate—construction and development		126		—		152		278		26,736		27,014
Residential real estate		3,011		2,101		4,302		9,414		174,794		184,208
Consumer		567		174		664		1,405		37,219		38,624
Commercial and industrial		49		—		80		129		10,069		10,198
	$	4,636	$	2,519	$	9,461	$	16,616	$	407,968	$	424,584

Non acquired non-accrual loans

Summary of Loans

Summary of information pertaining to nonaccrual loans by class

	December 31,		June 30,
(Dollars in thousands)	2019		2019
Commercial non-owner occupied real estate:
Construction and land development	$	363	$	299
Commercial non-owner occupied		732		481
Total commercial non-owner occupied real estate		1,095		780
Consumer real estate:
Consumer owner occupied		7,202		6,688
Home equity loans		1,468		1,740
Total consumer real estate		8,670		8,428
Commercial owner occupied real estate		3,482		3,459
Commercial and industrial		4,092		285
Other income producing property		798		351
Consumer		1,587		1,351
Restructured loans		2,578		671
Total loans on nonaccrual status	$	22,302	$	15,325

Acquired non-credit impaired loans

Summary of Loans

Summary of loans

	December 31,		June 30,
(Dollars in thousands)	2019		2019
Acquired non-credit impaired loans:
Commercial non-owner occupied real estate:
Construction and land development	$	33,569	$	60,391
Commercial non-owner occupied		447,441		595,367
Total commercial non-owner occupied real estate		481,010		655,758
Consumer real estate:
Consumer owner occupied		496,431		577,284
Home equity loans		188,732		208,777
Total consumer real estate		685,163		786,061
Commercial owner occupied real estate		307,193		376,187
Commercial and industrial		101,880		151,579
Other income producing property		95,697		111,006
Consumer		89,484		99,690
Acquired non-credit impaired loans	$	1,760,427	$	2,180,281

Schedule of credit risk profile by risk grade of loans

	Total Acquired
	Non-credit Impaired Loans
	December 31,		June 30,
(Dollars in thousands)	2019		2019
Pass	$	1,697,942	$	2,109,875
Special mention		39,772		41,016
Substandard		22,713		29,390
Doubtful		—		—
	$	1,760,427	$	2,180,281

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		Non-Accruing		Loans
December 31, 2019
Commercial real estate:
Construction and land development	$	20	$	—	$	92	$	112	$	32,758	$	699	$	33,569
Commercial non-owner occupied		144		1,146		76		1,366		445,682		393		447,441
Commercial owner occupied		890		702		—		1,592		304,698		903		307,193
Consumer real estate:
Consumer owner occupied		637		24		59		720		493,361		2,350		496,431
Home equity loans		232		55		—		287		185,378		3,067		188,732
Commercial and industrial		93		204		—		297		100,861		722		101,880
Other income producing property		378		4,309		48		4,735		89,861		1,101		95,697
Consumer		364		191		—		555		87,325		1,604		89,484
	$	2,758	$	6,631	$	275	$	9,664	$	1,739,924	$	10,839	$	1,760,427
June 30, 2019
Commercial real estate:
Construction and land development	$	169	$	169	$	—	$	338	$	58,846	$	1,207	$	60,391
Commercial non-owner occupied		640		—		—		640		594,450		277		595,367
Commercial owner occupied		933		366		—		1,299		373,780		1,108		376,187
Consumer real estate:
Consumer owner occupied		970		—		—		970		574,615		1,699		577,284
Home equity loans		878		216		—		1,094		204,660		3,023		208,777
Commercial and industrial		1,266		1,543		—		2,809		147,806		964		151,579
Other income producing property		897		10		37		944		109,834		228		111,006
Consumer		393		139		—		532		97,716		1,442		99,690
	$	6,146	$	2,443	$	37	$	8,626	$	2,161,707	$	9,948	$	2,180,281

Summary of information pertaining to nonaccrual loans by class

	December 31,		June 30,
(Dollars in thousands)	2019		2019
Commercial non-owner occupied real estate:
Construction and land development	$	699	$	1,207
Commercial non-owner occupied		393		277
Total commercial non-owner occupied real estate		1,092		1,484
Consumer real estate:
Consumer owner occupied		2,350		1,699
Home equity loans		3,067		3,023
Total consumer real estate		5,417		4,722
Commercial owner occupied real estate		903		1,108
Commercial and industrial		722		964
Other income producing property		1,101		228
Consumer		1,604		1,442
Total loans on nonaccrual status	$	10,839	$	9,948

Acquired non-credit impaired loans | Commercial loans

Summary of Loans

Schedule of credit risk profile by risk grade of loans

					Commercial Non-owner
	Construction & Development				Occupied				Commercial Owner Occupied
	December 31,		June 30,		December 31,		June 30,		December 31,		June 30,
(Dollars in thousands)	2019		2019		2019		2019		2019		2019
Pass	$	31,690	$	58,165	$	432,710	$	583,416	$	300,678	$	359,783
Special mention		966		821		14,162		5,753		3,092		12,841
Substandard		913		1,405		569		6,198		3,423		3,563
Doubtful		—		—		—		—		—		—
	$	33,569	$	60,391	$	447,441	$	595,367	$	307,193	$	376,187

					Other Income Producing
	Commercial & Industrial				Property				Commercial Total
	December 31,		June 30,		December 31,		June 30,		December 31,		June 30,
	2019		2019		2019		2019		2019		2019
Pass	$	97,092	$	145,733	$	87,892	$	103,325	$	950,062	$	1,250,422
Special mention		2,948		2,616		5,837		6,140		27,005		28,171
Substandard		1,840		3,230		1,968		1,541		8,713		15,937
Doubtful		—		—		—		—		—		—
	$	101,880	$	151,579	$	95,697	$	111,006	$	985,780	$	1,294,530

Acquired non-credit impaired loans | Consumer

Summary of Loans

Schedule of credit risk profile by risk grade of loans

	Consumer Owner Occupied				Home Equity				Consumer
	December 31,		June 30,		December 31,		June 30,		December 31,		June 30,
(Dollars in thousands)	2019		2019		2019		2019		2019		2019
Pass	$	486,433	$	566,433	$	174,912	$	196,254	$	86,535	$	96,766
Special mention		6,434		6,749		5,679		5,459		654		637
Substandard		3,564		4,102		8,141		7,064		2,295		2,287
Doubtful		—		—		—		—		—		—
	$	496,431	$	577,284	$	188,732	$	208,777	$	89,484	$	99,690

	Consumer Total
	December 31,		June 30,
	2019		2019
Pass	$	747,880	$	859,453
Special mention		12,767		12,845
Substandard		14,000		13,453
Doubtful		—		—
	$	774,647	$	885,751