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LOANS AND ALLOWANCE FOR LOAN LOSSES (Tables)

3 Months Ended

Mar. 31, 2020

Accounts, Notes, Loans and Financing Receivable [Line Items]

Loans Stated at Face Amount, Net of Unearned Income

The Company’s loans are stated at their face amount, net of deferred fees and costs, and consist of the following at March 31, 2020 and December 31, 2019 (dollars in thousands):


	March 31, 2020		December 31, 2019
Construction and Land Development	$	1,318,252	$	1,250,924
Commercial Real Estate - Owner Occupied		2,051,904		2,041,243
Commercial Real Estate - Non-Owner Occupied		3,328,012		3,286,098
Multifamily Real Estate		679,390		633,743
Commercial & Industrial		2,177,932		2,114,033
Residential 1-4 Family - Commercial		721,800		724,337
Residential 1-4 Family - Consumer		854,550		890,503
Residential 1-4 Family - Revolving		652,135		659,504
Auto		358,039		350,419
Consumer		352,572		372,853
Other Commercial		274,255		287,279
Total loans held for investment, net	$	12,768,841	$	12,610,936

Summary of Aging of the Loan Portfolio by Class

The following table shows the aging of the Company’s loan portfolio, by class, at March 31, 2020 (dollars in thousands):


					Greater than
			30-59 Days		60-89 Days		90 Days and
	Current		Past Due		Past Due		still Accruing		Nonaccrual		Total Loans
Construction and Land Development	$	1,311,599	$	2,786	$	316	$	317	$	3,234	$	1,318,252
Commercial Real Estate - Owner Occupied		2,026,741		10,779		1,444		1,690		11,250		2,051,904
Commercial Real Estate - Non-Owner Occupied		3,319,481		2,087		2,765		2,037		1,642		3,328,012
Multifamily Real Estate		676,343		623		1,994		377		53		679,390
Commercial & Industrial		2,167,873		4,893		1,218		517		3,431		2,177,932
Residential 1-4 Family - Commercial		708,772		4,145		1,066		777		7,040		721,800
Residential 1-4 Family - Consumer		820,818		15,667		570		4,407		13,088		854,550
Residential 1-4 Family - Revolving		640,989		4,308		1,286		2,005		3,547		652,135
Auto		355,084		1,967		311		127		550		358,039
Consumer		348,953		1,612		1,294		622		91		352,572
Other Commercial		273,090		1		1,068		—		96		274,255
Total loans held for investment	$	12,649,743	$	48,868	$	13,332	$	12,876	$	44,022	$	12,768,841

The following table shows the aging of the Company’s loan portfolio, by class, at December 31, 2019 (dollars in thousands):


					Greater than
	30-59 Days		60-89 Days		90 Days and
	Past Due		Past Due		still Accruing		PCI		Nonaccrual		Current		Total Loans
Construction and Land Development	$	4,563	$	482	$	189	$	10,944	$	3,703	$	1,231,043	$	1,250,924
Commercial Real Estate - Owner Occupied		3,482		2,184		1,062		27,438		6,003		2,001,074		2,041,243
Commercial Real Estate - Non-Owner Occupied		457		—		1,451		14,565		381		3,269,244		3,286,098
Multifamily Real Estate		223		—		474		94		—		632,952		633,743
Commercial & Industrial		8,698		1,598		449		1,579		1,735		2,099,974		2,114,033
Residential 1-4 Family - Commercial		1,479		2,207		674		12,205		4,301		703,471		724,337
Residential 1-4 Family - Consumer		16,244		3,072		4,515		14,713		9,292		842,667		890,503
Residential 1-4 Family - Revolving		10,190		1,784		3,357		4,127		2,080		637,966		659,504
Auto		2,525		236		272		4		563		346,819		350,419
Consumer		2,128		1,233		953		668		77		367,794		372,853
Other Commercial		464		—		—		344		97		286,374		287,279
Total loans held for investment	$	50,453	$	12,796	$	13,396	$	86,681	$	28,232	$	12,419,378	$	12,610,936

Summary of Loans on Nonaccrual Status

The following table shows the Company’s amortized cost basis of loans on nonaccrual status as of January 1, 2020 as well as amortized cost basis of loans on nonaccrual status and loans past due 90 days and still accruing as of March 31, 2020 (dollars in thousands):


	Nonaccrual
	January 1, 2020		March 31, 2020		Nonaccrual With No ALLL		90 Days and still Accruing
Construction and Land Development	$	4,060	$	3,234	$	1,985	$	317
Commercial Real Estate - Owner Occupied		13,889		11,250		3,591		1,690
Commercial Real Estate - Non-Owner Occupied		1,368		1,642		—		2,037
Multifamily Real Estate		—		53		—		377
Commercial & Industrial		3,037		3,431		93		517
Residential 1-4 Family - Commercial		6,492		7,040		1,739		777
Residential 1-4 Family - Consumer		13,117		13,088		1,069		4,407
Residential 1-4 Family - Revolving		2,490		3,547		60		2,005
Auto		565		550		—		127
Consumer		88		91		—		622
Other Commercial		98		96		—		—
Total loans held for investment	$	45,204	$	44,022	$	8,537	$	12,876

Impaired Loans by Class

As of December 31, 2019, the Company measured the amount of impairment by evaluating loans either in their collective homogeneous pools or individually. The following table shows the Company’s loans, excluding PCI loans, by class at December 31, 2019 (dollars in thousands):


	December 31, 2019
			Unpaid
	Recorded		Principal		Related
	Investment		Balance		Allowance
Loans without a specific allowance
Construction and Land Development	$	5,877	$	7,174	$	—
Commercial Real Estate - Owner Occupied		8,801		9,296		—
Commercial Real Estate - Non-Owner Occupied		3,510		4,059		—
Commercial & Industrial		3,668		3,933		—
Residential 1-4 Family - Commercial		4,047		4,310		—
Residential 1-4 Family - Consumer		8,420		9,018		—
Residential 1-4 Family - Revolving		862		865		—
Total impaired loans without a specific allowance	$	35,185	$	38,655	$	—
Loans with a specific allowance
Construction and Land Development	$	984	$	1,032	$	49
Commercial Real Estate - Owner Occupied		2,820		3,093		146
Commercial Real Estate - Non-Owner Occupied		335		383		2
Commercial & Industrial		2,568		2,590		619
Residential 1-4 Family - Commercial		1,726		1,819		162
Residential 1-4 Family - Consumer		12,026		12,670		1,242
Residential 1-4 Family - Revolving		2,186		2,369		510
Auto		563		879		221
Consumer		168		336		46
Other Commercial		562		567		30
Total impaired loans with a specific allowance	$	23,938	$	25,738	$	3,027
Total impaired loans	$	59,123	$	64,393	$	3,027

The following table shows the average recorded investment and interest income recognized for the Company’s loans, excluding PCI loans, by class for the three months ended March 31, 2019 (dollars in thousands):


	Three Months Ended
	March 31, 2019
			Interest
	Average		Income
	Investment		Recognized
Construction and Land Development	$	9,425	$	39
Commercial Real Estate - Owner Occupied		11,554		105
Commercial Real Estate - Non-Owner Occupied		6,956		59
Commercial & Industrial		2,224		14
Residential 1-4 Family - Commercial		6,475		32
Residential 1-4 Family - Consumer		18,257		114
Residential 1-4 Family - Revolving		3,472		40
Auto		600		—
Consumer		215		2
Other Commercial		588		8
Total impaired loans	$	59,766	$	413

Summary of Modified Loans that Continue to Accrue Interest Under the Terms of Restructuring Agreement

The following table provides a summary, by class, of TDRs that continue to accrue interest under the terms of the applicable restructuring agreement, which are considered to be performing, and TDRs that have been placed on nonaccrual status, which are considered to be nonperforming, as of March 31, 2020 (dollars in thousands):


	March 31, 2020
	No. of	Recorded		Outstanding
	Loans	Investment		Commitment
Performing
Construction and Land Development	4	$	226	$	—
Commercial Real Estate - Owner Occupied	6		2,223		—
Commercial Real Estate - Non-Owner Occupied	1		1,089		—
Commercial & Industrial	4		995		—
Residential 1-4 Family - Commercial	5		287		—
Residential 1-4 Family - Consumer	74		9,502		—
Residential 1-4 Family - Revolving	2		55		—
Consumer	4		26		—
Other Commercial	1		462		—
Total performing	101	$	14,865	$	—
Nonperforming
Commercial Real Estate - Owner Occupied	2	$	172	$	—
Commercial & Industrial	1		517		—
Residential 1-4 Family - Consumer	22		4,747		—
Residential 1-4 Family - Revolving	2		55		—
Total nonperforming	27	$	5,491	$	—
Total performing and nonperforming	128	$	20,356	$	—


	December 31, 2019
	No. of	Recorded		Outstanding
	Loans	Investment		Commitment
Performing
Construction and Land Development	4	$	1,114	$	—
Commercial Real Estate - Owner Occupied	6		2,228		26
Commercial Real Estate - Non-Owner Occupied	1		1,089		—
Commercial & Industrial	4		1,020		—
Residential 1-4 Family - Commercial	5		290		—
Residential 1-4 Family - Consumer	69		9,396		—
Residential 1-4 Family - Revolving	2		56		—
Consumer	4		29		—
Other Commercial	1		464		—
Total performing	96	$	15,686	$	26
Nonperforming
Commercial Real Estate - Owner Occupied	2	$	176	$	—
Commercial & Industrial	1		55		—
Residential 1-4 Family - Consumer	19		3,522		—
Residential 1-4 Family - Revolving	2		57		—
Total nonperforming	24	$	3,810	$	—
Total performing and nonperforming	120	$	19,496	$	26

Schedule of TDR by Class and Modification Type

The following table shows, by class and modification type, TDRs that occurred during the three months ended March 31, 2020 (dollars in thousands):


	All Restructurings
	Three Months Ended March 31, 2020
		Recorded
	No. of	Investment at
	Loans	Period End
Modified to interest only, at a market rate
Total interest only at market rate of interest	—	$	—

Term modification, at a market rate
Commercial & Industrial	1	$	517
Total loan term extended at a market rate	1	$	517

Term modification, below market rate
Construction and Land Development	1	$	35
Residential 1-4 Family - Consumer	10		1,763
Total loan term extended at a below market rate	11	$	1,798

Interest rate modification, below market rate
Total interest only at below market rate of interest	—	$	—

Total	12	$	2,315

The following table shows, by class and modification type, TDRs that occurred during the three months ended March 31, 2019 (dollars in thousands):


	All Restructurings
	Three Months Ended March 31, 2019
		Recorded
	No. of	Investment at
	Loans	Period End
Modified to interest only, at a market rate
Total interest only at market rate of interest	—	$	—

Term modification, at a market rate
Commercial & Industrial	1	$	441
Residential 1-4 Family - Commercial	1		75
Residential 1-4 Family - Consumer	2		263
Consumer	1		10
Total loan term extended at a market rate	5	$	789

Term modification, below market rate
Residential 1-4 Family - Consumer	5	$	937
Consumer	1		6
Total loan term extended at a below market rate	6	$	943

Total	11	$	1,732

Allowance for Loan Loss Activity, by Portfolio Segment, Balances for Allowance for Credit Losses, and Loans Based on Impairment Methodology

The following tables show the ALLL activity by segment for the three months ended March 31, 2020 (dollars in thousands):





	Three Months Ended March 31, 2020
	Commercial		Consumer		Total
Balance, beginning of year	$	30,941	$	11,353	$	42,294
Impact of ASC 326 adoption on non-PCD loans		4,432		40,666		45,098
Impact of ASC 326 adoption on PCD loans		1,752		634		2,386
Impact of ASC 326 adoption		6,184		41,300		47,484
Loans charged-off		(2,968)		(4,183)		(7,151)
Recoveries credited to allowance		1,154		1,006		2,160
Provision charged to operations		42,532		13,724		56,256
Balance, end of period	$	77,843	$	63,200	$	141,043

The following table shows the ALLL activity by class for the three months ended March 31, 2019. The table below includes the provision for loan losses. Allocation of a portion of the allowance to one category of loans does not preclude its availability to absorb losses in other categories (dollars in thousands):


	Three Months Ended March 31, 2019
	Allowance for loan and lease losses
	Balance,		Recoveries		Loans		Provision		Balance,
	beginning of		credited to		charged		charged to		end of
	the year		allowance		off		operations		period
Construction and Land Development	$	6,803	$	27	$	(732)	$	126	$	6,224
Commercial Real Estate - Owner Occupied		4,023		25		(47)		29		4,030
Commercial Real Estate - Non-Owner Occupied		8,865		89		—		82		9,036
Multifamily Real Estate		649		85		—		(74)		660
Commercial & Industrial		7,636		360		(980)		395		7,411
Residential 1-4 Family - Commercial		1,692		87		(66)		47		1,760
Residential 1-4 Family - Consumer		1,492		155		(32)		117		1,732
Residential 1-4 Family - Revolving		1,297		87		(216)		238		1,406
Auto		1,443		186		(399)		216		1,446
Consumer and all other⁽¹⁾		7,145		595		(3,467)		2,849		7,122
Total	$	41,045	$	1,696	$	(5,939)	$	4,025	$	40,827

⁽¹⁾Consumer and Other Commercial are grouped together as Consumer and all other for reporting purposes.

The following tables show the loan and ALLL balances based on impairment methodology by class as of December 31, 2019 (dollars in thousands):


	December 31, 2019
	Loans individually				Loans collectively				Loans acquired with
	evaluated for				evaluated for				deteriorated credit
	impairment				impairment				quality				Total
	Loans		ALL		Loans		ALL		Loans		ALL		Loans		ALL
Construction and Land Development	$	6,861	$	49	$	1,233,119	$	5,709	$	10,944	$	—	$	1,250,924	$	5,758
Commercial Real Estate - Owner Occupied		11,621		146		2,002,184		3,773		27,438		—		2,041,243		3,919
Commercial Real Estate - Non-Owner Occupied		3,845		2		3,267,688		9,541		14,565		—		3,286,098		9,543
Multifamily Real Estate		—		—		633,649		632		94		—		633,743		632
Commercial & Industrial		6,236		619		2,106,218		7,768		1,579		217		2,114,033		8,604
Residential 1-4 Family - Commercial		5,773		162		706,359		1,203		12,205		—		724,337		1,365
Residential 1-4 Family - Consumer		20,446		1,242		855,344		771		14,713		—		890,503		2,013
Residential 1-4 Family - Revolving		3,048		510		652,329		813		4,127		—		659,504		1,323
Auto		563		221		349,852		1,232		4		—		350,419		1,453
Consumer and all other⁽¹⁾		730		76		658,390		7,608		1,012		—		660,132		7,684
Total loans held for investment, net	$	59,123	$	3,027	$	12,465,132	$	39,050	$	86,681	$	217	$	12,610,936	$	42,294

⁽¹⁾Consumer and Other Commercial are grouped together as Consumer and all other for reporting purposes.

Loans Receivables Related Risk Rating

The following table shows the recorded investment in all loans, excluding PCI loans, by segment with their related risk level as of December 31, 2019 (dollars in thousands):


	Pass		Watch & Special Mention		Substandard		Doubtful		Total
Construction and Land Development	$	1,197,066	$	37,182	$	5,732	$	—	$	1,239,980
Commercial Real Estate - Owner Occupied		1,916,492		87,004		10,309		—		2,013,805
Commercial Real Estate - Non-Owner Occupied		3,205,463		62,368		3,608		94		3,271,533
Multifamily Real Estate		613,844		19,396		409		—		633,649
Commercial & Industrial		2,043,903		60,495		8,048		8		2,112,454
Residential 1-4 Family - Commercial		680,894		24,864		6,374		—		712,132
Residential 1-4 Family - Consumer		841,408		13,592		20,534		256		875,790
Residential 1-4 Family - Revolving		641,069		6,373		7,935		—		655,377
Auto		345,960		2,630		1,825		—		350,415
Consumer		371,315		550		320		—		372,185
Other Commercial		284,914		1,863		158		—		286,935
Total	$	12,142,328	$	316,317	$	65,252	$	358	$	12,524,255

Schedule of Acquired Loan Portfolio and Accretable Yield

The following shows changes in the accretable yield for loans accounted for under ASC 310-30, Receivables – Loans and Debt Securities Acquired with Deteriorated Credit Quality, as of March 31, 2019 (dollars in thousands):


	For the Three Months Ended March 31,
	2019
Balance at beginning of period	$	31,201
Additions		2,432
Accretion		(2,385)
Reclass of nonaccretable difference due to improvement in expected cash flows		465
Other, net ⁽¹⁾		1,508
Balance at end of period	$	33,221

(1)	This line item represents changes in the cash flows expected to be collected due to the impact of non-credit changes such as prepayment assumptions, changes in interest rates on variable rate PCI loans, and discounted payoffs that occurred in the quarter.

Purchased Impaired

Accounts, Notes, Loans and Financing Receivable [Line Items]

Summary of Aging of the Loan Portfolio by Class

The following table shows the PCI loan portfolios, by class and their delinquency status, at December 31, 2019 (dollars in thousands):


	30-89 Days		Greater than
	Past Due		90 Days		Current		Total
Construction and Land Development	$	136	$	343	$	10,465	$	10,944
Commercial Real Estate - Owner Occupied		480		6,884		20,074		27,438
Commercial Real Estate - Non-Owner Occupied		848		987		12,730		14,565
Multifamily Real Estate		—		—		94		94
Commercial & Industrial		—		989		590		1,579
Residential 1-4 Family - Commercial		543		1,995		9,667		12,205
Residential 1-4 Family - Consumer		927		1,781		12,005		14,713
Residential 1-4 Family - Revolving		287		205		3,635		4,127
Auto		—		—		4		4
Consumer		—		9		659		668
Other Commercial		—		—		344		344
Total	$	3,221	$	13,193	$	70,267	$	86,681

Loans Receivables Related Risk Rating

The following table shows the recorded investment in only PCI loans by segment with their related risk level as of December 31, 2019 (dollars in thousands):


	Pass		Watch & Special Mention		Substandard		Doubtful		Total
Construction and Land Development	$	1,092	$	3,692	$	6,160	$	—	$	10,944
Commercial Real Estate - Owner Occupied		8,264		10,524		8,650		—		27,438
Commercial Real Estate - Non-Owner Occupied		3,826		9,415		1,324		—		14,565
Multifamily Real Estate		—		94		—		—		94
Commercial & Industrial		127		25		1,427		—		1,579
Residential 1-4 Family - Commercial		6,000		2,693		3,512		—		12,205
Residential 1-4 Family - Consumer		9,947		557		4,209		—		14,713
Residential 1-4 Family - Revolving		2,887		707		533		—		4,127
Auto		2		—		2		—		4
Consumer		657		—		11		—		668
Other Commercial		120		224		—		—		344
Total	$	32,922	$	27,931	$	25,828	$	—	$	86,681

Commercial Portfolio

Accounts, Notes, Loans and Financing Receivable [Line Items]

Loans Receivables Related Risk Rating

The table below details the amortized cost of the classes of loans within the Commercial segment by risk level and year of origination as of March 31, 2020 (dollars in thousands):


		March 31, 2020
		Term Loans Amortized Cost Basis by Origination Year
																	Revolving
																	Loans
	2020		2019		2018		2017		2016		Prior		Revolving Loans		Total		Converted to Term
Construction and Land Development
Pass	$	69,552	$	467,635	$	434,210	$	132,703	$	53,894	$	81,829	$	30,573	$	1,270,396	$	—
Watch & Special Mention		1,200		8,607		1,566		865		6,615		15,627		1,848		36,328		—
Substandard		—		—		732		736		2,405		7,655		—		11,528		—
Total Construction and Land Development	$	70,752	$	476,242	$	436,508	$	134,304	$	62,914	$	105,111	$	32,421	$	1,318,252	$	—

Commercial Real Estate - Owner Occupied
Pass	$	79,743	$	391,157	$	312,340	$	266,525	$	147,239	$	681,938	$	37,492	$	1,916,434	$	—
Watch & Special Mention		—		5,726		16,831		15,683		25,211		47,288		3,551		114,290		—
Substandard		—		—		1,115		1,333		2,730		15,628		374		21,180		—
Total Commercial Real Estate - Owner Occupied	$	79,743	$	396,883	$	330,286	$	283,541	$	175,180	$	744,854	$	41,417	$	2,051,904	$	—

Commercial Real Estate - Non-Owner Occupied
Pass	$	100,998	$	501,212	$	490,930	$	472,440	$	480,363	$	1,159,966	$	44,949	$	3,250,858	$	—
Watch & Special Mention		—		1,061		8,838		13,449		16,707		29,450		838		70,343		—
Substandard		—		—		164		—		25		6,330		200		6,719		—
Doubtful		—		—		—		—		—		—		92		92		—
Total Commercial Real Estate - Non-Owner Occupied	$	100,998	$	502,273	$	499,932	$	485,889	$	497,095	$	1,195,746	$	46,079	$	3,328,012	$	—

Commercial & Industrial
Pass	$	127,407	$	445,967	$	280,399	$	90,466	$	90,219	$	176,554	$	894,146	$	2,105,158	$	353
Watch & Special Mention		457		3,817		7,987		1,520		3,900		4,367		40,039		62,087		49
Substandard		—		505		1,015		253		900		3,222		4,792		10,687		—
Total Commercial & Industrial	$	127,864	$	450,289	$	289,401	$	92,239	$	95,019	$	184,143	$	938,977	$	2,177,932	$	402

Multifamily Real Estate
Pass	$	60,276	$	78,954	$	63,329	$	129,106	$	64,831	$	254,868	$	7,286	$	658,650	$	—
Watch & Special Mention		—		—		—		8,286		1,134		10,551		339		20,310		—
Substandard		—		—		—		—		—		430		—		430		—
Total Multifamily Real Estate	$	60,276	$	78,954	$	63,329	$	137,392	$	65,965	$	265,849	$	7,625	$	679,390	$	—

Residential 1-4 Family - Commercial
Pass	$	29,989	$	112,509	$	79,932	$	104,116	$	86,412	$	264,081	$	1,911	$	678,950	$	810
Watch & Special Mention		880		2,720		8,378		3,617		2,159		13,689		—		31,443		2,762
Substandard		—		—		310		632		1,846		8,002		617		11,407		76
Total Residential 1-4 Family - Commercial	$	30,869	$	115,229	$	88,620	$	108,365	$	90,417	$	285,772	$	2,528	$	721,800	$	3,648

Other Commercial
Pass	$	1,468	$	116,582	$	9,904	$	43,520	$	17,802	$	59,403	$	19,049	$	267,728	$	—
Watch & Special Mention		—		—		636		1,337		—		4,344		54		6,371		—
Substandard		—		—		—		60		—		96		—		156		—
Total Other Commercial	$	1,468	$	116,582	$	10,540	$	44,917	$	17,802	$	63,843	$	19,103	$	274,255	$	—

Total Commercial
Pass	$	469,433	$	2,114,016	$	1,671,044	$	1,238,876	$	940,760	$	2,678,639	$	1,035,406	$	10,148,174	$	1,163
Watch & Special Mention		2,537		21,931		44,236		44,757		55,726		125,316		46,669		341,172		2,811
Substandard		—		505		3,336		3,014		7,906		41,363		5,983		62,107		76
Doubtful		—		—		—		—		—		—		92		92		—
Total Commercial	$	471,970	$	2,136,452	$	1,718,616	$	1,286,647	$	1,004,392	$	2,845,318	$	1,088,150	$	10,551,545	$	4,050

Consumer Portfolio

Accounts, Notes, Loans and Financing Receivable [Line Items]

Loans Receivables Related Risk Rating

For Consumer loans, the Company evaluates credit quality based on the delinquency status of the loan. The following table details the amortized cost of the classes of loans within the Consumer segment based on their delinquency status and year of origination as of March 31, 2020 (dollars in thousands):


		March 31, 2020
		Term Loans Amortized Cost Basis by Origination Year
																	Revolving
																	Loans
	2020		2019		2018		2017		2016		Prior		Revolving Loans		Total		Converted to Term
Residential 1-4 Family - Consumer
Current	$	21,273	$	95,266	$	105,226	$	99,655	$	129,032	$	370,353	$	13	$	820,818	$	—
30-59 Days Past Due		—		1,268		1,537		2,566		453		9,843		—		15,667		—
60-89 Days Past Due		—		—		109		77		—		384		—		570		—
90+ Days Past Due		—		728		125		445		276		2,833		—		4,407		—
Nonaccrual		—		—		888		891		797		10,512		—		13,088		—
Total Residential 1-4 Family - Consumer	$	21,273	$	97,262	$	107,885	$	103,634	$	130,558	$	393,925	$	13	$	854,550	$	—

Residential 1-4 Family - Revolving
Current	$	6,463	$	7,732	$	2,641	$	21	$	—	$	661	$	623,471	$	640,989	$	—
30-59 Days Past Due		—		49		—		—		—		—		4,259		4,308		—
60-89 Days Past Due		—		—		—		—		—		—		1,286		1,286		—
90+ Days Past Due		—		—		—		—		—		—		2,005		2,005		—
Nonaccrual		—		—		—		—		—		314		3,233		3,547		—
Total Residential 1-4 Family - Revolving	$	6,463	$	7,781	$	2,641	$	21	$	—	$	975	$	634,254	$	652,135	$	—

Consumer
Current	$	25,016	$	106,175	$	110,825	$	34,857	$	14,995	$	20,293	$	36,792	$	348,953	$	—
30-59 Days Past Due		—		329		692		198		11		342		40		1,612		—
60-89 Days Past Due		—		193		699		84		28		288		2		1,294		—
90+ Days Past Due		—		139		368		94		13		—		8		622		—
Nonaccrual		—		—		—		—		3		88		—		91		—
Total Consumer	$	25,016	$	106,836	$	112,584	$	35,233	$	15,050	$	21,011	$	36,842	$	352,572	$	—

Auto
Current	$	35,381	$	149,149	$	77,698	$	48,701	$	28,777	$	15,378	$	—	$	355,084	$	—
30-59 Days Past Due		—		463		528		447		347		182		—		1,967		—
60-89 Days Past Due		—		63		52		92		40		64		—		311		—
90+ Days Past Due		—		77		24		12		—		14		—		127		—
Nonaccrual		—		117		81		106		148		98		—		550		—
Total Auto	$	35,381	$	149,869	$	78,383	$	49,358	$	29,312	$	15,736	$	—	$	358,039	$	—

Total Consumer
Current	$	88,133	$	358,322	$	296,390	$	183,234	$	172,804	$	406,685	$	660,276	$	2,165,844	$	—
30-59 Days Past Due		—		2,109		2,757		3,211		811		10,367		4,299		23,554		—
60-89 Days Past Due		—		256		860		253		68		736		1,288		3,461		—
90+ Days Past Due		—		944		517		551		289		2,847		2,013		7,161		—
Nonaccrual		—		117		969		997		948		11,012		3,233		17,276		—
Total Consumer	$	88,133	$	361,748	$	301,493	$	188,246	$	174,920	$	431,647	$	671,109	$	2,217,296	$	—