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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