LOANS AND ALLOWANCE FOR LOAN AND LEASE LOSSES (Tables)

6 Months Ended

Jun. 30, 2018

LOANS AND ALLOWANCE FOR LOAN AND LEASE LOSSES

Schedule of composition of loan portfolio

(in thousands)	June 30, 2018		December 31, 2017
Traditional Banking:
Residential real estate:
Owner occupied	$	919,433	$	921,565
Owner occupied - correspondent*		105,170		116,792
Nonowner occupied		220,943		205,081
Commercial real estate		1,235,427		1,207,293
Construction & land development		163,080		150,065
Commercial & industrial		369,189		341,692
Lease financing receivables		15,238		16,580
Home equity		336,694		347,655
Consumer:
Credit cards		17,778		16,078
Overdrafts		878		974
Automobile loans		62,143		65,650
Other consumer		31,453		20,501
Total Traditional Banking		3,477,426		3,409,926
Warehouse lines of credit*		633,841		525,572
Total Core Banking		4,111,267		3,935,498
Republic Processing Group*:
Tax Refund Solutions:
Easy Advances		—		—
Other TRS loans		101		11,648
Republic Credit Solutions		84,616		66,888
Total Republic Processing Group		84,717		78,536
Total loans**		4,195,984		4,014,034
Allowance for loan and lease losses		(45,047)		(42,769)
Total loans, net	$	4,150,937	$	3,971,265

*Identifies loans to borrowers located primarily outside of the Bank’s market footprint.

**Total loans are presented inclusive of premiums, discounts and net loan origination fees and costs. See table directly below for expanded detail.

Schedule that reconciles the contractually receivable and carrying amounts of loans

(in thousands)	June 30, 2018		December 31, 2017
Contractually receivable	$	4,195,579	$	4,014,673
Unearned income(1)		(1,132)		(1,157)
Unamortized premiums(2)		799		1,069
Unaccreted discounts(3)		(3,673)		(4,643)
Net unamortized deferred origination fees and costs(4)		4,411		4,092
Carrying value of loans	$	4,195,984	$	4,014,034

(1) Unearned income relates to lease financing receivables.

(2) Unamortized premiums predominately relate to loans acquired through the Bank’s Correspondent Lending channel.

(3) Unaccreted discounts include accretable and non-accretable discounts and relate to loans acquired in the Bank’s 2016 Cornerstone acquisition and its 2012 FDIC-assisted transactions.

(4) Primarily attributable to the Traditional Banking segment.

Reconciliation of contractually-required and carrying amounts of PCI loans

(in thousands)	June 30, 2018		December 31, 2017
Contractually required principal	$	4,897	$	5,435
Non-accretable amount		(1,614)		(1,691)
Accretable amount		(100)		(140)
Carrying value of loans	$	3,183	$	3,604

Rollforward of the accretable amount on PCI loans

	Three Months Ended				Six Months Ended
	June 30,				June 30,
(in thousands)	2018		2017		2018		2017
Balance, beginning of period	$	(140)	$	(3,409)	$	(140)	$	(3,600)
Transfers between non-accretable and accretable*		(241)		(15)		(241)		75
Net accretion into interest income on loans, including loan fees		281		91		281		192
Balance, end of period	$	(100)	$	(3,333)	$	(100)	$	(3,333)

*Transfers are primarily attributable to changes in estimated cash flows of the underlying loans.

Schedule of the risk category of loans by class of loans based on the bank's internal analysis performed

June 30, 2018			Special				Doubtful /		PCI Loans -		PCI Loans -		Total Rated
(in thousands)	Pass		Mention		Substandard		Loss		Group 1		Substandard		Loans*
Traditional Banking:
Residential real estate:
Owner occupied	$	—	$	15,670	$	13,693	$	—	$	175	$	1,565	$	31,103
Owner occupied - correspondent		—		—		389		—		—		—		389
Nonowner occupied		—		620		2,155		—		—		—		2,775
Commercial real estate		1,223,607		5,462		5,054		—		1,304		—		1,235,427
Construction & land development		162,952		—		128		—		—		—		163,080
Commercial & industrial		368,370		15		783		—		21		—		369,189
Lease financing receivables		15,238		—		—		—		—		—		15,238
Home equity		—		—		1,741		—		5		110		1,856
Consumer:
Credit cards		—		—		—		—		—		—		—
Overdrafts		—		—		—		—		—		—		—
Automobile loans		—		—		190		—		—		—		190
Other consumer		—		—		508		—		—		3		511
Total Traditional Banking		1,770,167		21,767		24,641		—		1,505		1,678		1,819,758
Warehouse lines of credit		633,841		—		—		—		—		—		633,841
Total Core Banking		2,404,008		21,767		24,641		—		1,505		1,678		2,453,599
Republic Processing Group:
Tax Refund Solutions:
Easy Advances		—		—		—		—		—		—		—
Other TRS loans		—		—		—		—		—		—		—
Republic Credit Solutions		—		—		886		—		—		—		886
Total Republic Processing Group		—		—		886		—		—		—		886
Total rated loans	$	2,404,008	$	21,767	$	25,527	$	—	$	1,505	$	1,678	$	2,454,485

December 31, 2017			Special				Doubtful /		PCI Loans -		PCI Loans -		Total Rated
(in thousands)	Pass		Mention		Substandard		Loss		Group 1		Substandard		Loans*
Traditional Banking:
Residential real estate:
Owner occupied	$	—	$	18,054	$	12,056	$	—	$	180	$	1,658	$	31,948
Owner occupied - correspondent		—		—		—		—		—		—		—
Nonowner occupied		—		635		1,240		—		248		—		2,123
Commercial real estate		1,197,299		4,824		3,798		—		1,372		—		1,207,293
Construction & land development		149,332		—		733		—		—		—		150,065
Commercial & industrial		341,377		267		21		—		27		—		341,692
Lease financing receivables		16,580		—		—		—		—		—		16,580
Home equity		—		33		1,609		—		6		110		1,758
Consumer:
Credit cards		—		—		—		—		—		—		—
Overdrafts		—		—		—		—		—		—		—
Automobile loans		—		—		108		—		—		—		108
Other consumer		—		—		571		—		—		3		574
Total Traditional Banking		1,704,588		23,813		20,136		—		1,833		1,771		1,752,141
Warehouse lines of credit		525,572		—		—		—		—		—		525,572
Total Core Banking		2,230,160		23,813		20,136		—		1,833		1,771		2,277,713
Republic Processing Group:
Tax Refund Solutions:
Easy Advances		—		—		—		—		—		—		—
Other TRS loans		11,648		—		—		—		—		—		11,648
Republic Credit Solutions		—		—		1,066		—		—		—		1,066
Total Republic Processing Group		11,648		—		1,066		—		—		—		12,714
Total rated loans	$	2,241,808	$	23,813	$	21,202	$	—	$	1,833	$	1,771	$	2,290,427

*The above tables exclude all non-classified residential real estate, home equity and consumer loans at the respective period ends.

Schedule of activity in the allowance for loan and lease losses

	Allowance Rollforward
	Three Months Ended June 30,
	2018										2017
	Beginning				Charge-				Ending		Beginning				Charge-				Ending
(in thousands)	Balance		Provision		offs		Recoveries		Balance		Balance		Provision		offs		Recoveries		Balance
Traditional Banking:
Residential real estate:
Owner occupied	$	5,988	$	(116)	$	(15)	$	178	$	6,035	$	7,071	$	(288)	$	(108)	$	65	$	6,740
Owner occupied - correspondent		278		(15)		—		—		263		353		(29)		—		—		324
Nonowner occupied		1,461		93		(7)		5		1,552		1,198		42		(3)		—		1,237
Commercial real estate		9,460		352		—		3		9,815		7,898		449		—		21		8,368
Construction & land development		2,720		80		—		25		2,825		2,233		274		—		1		2,508
Commercial & industrial		2,247		84		(17)		4		2,318		1,488		193		—		1		1,682
Lease financing receivables		165		(5)		—		—		160		145		6		—		—		151
Home equity		3,669		(180)		(34)		203		3,658		3,831		(21)		(91)		68		3,787
Consumer:
Credit cards		756		124		(95)		20		805		506		93		(21)		10		588
Overdrafts		791		296		(270)		61		878		641		337		(227)		55		806
Automobile loans		706		(39)		(4)		1		664		563		84		(7)		—		640
Other consumer		990		(151)		(136)		73		776		825		321		(306)		78		918
Total Traditional Banking		29,231		523		(578)		573		29,749		26,752		1,461		(763)		299		27,749
Warehouse lines of credit		1,335		250		—		—		1,585		1,238		264		—		—		1,502
Total Core Banking		30,566		773		(578)		573		31,334		27,990		1,725		(763)		299		29,251
Republic Processing Group:
Tax Refund Solutions:
Easy Advances		9,572		(881)		(8,773)		82		—		7,741		(721)		(7,261)		241		—
Other TRS loans		125		(7)		(55)		4		67		—		(17)		—		17		—
Republic Credit Solutions		12,078		5,047		(3,769)		290		13,646		6,631		4,074		(2,251)		193		8,647
Total Republic Processing Group		21,775		4,159		(12,597)		376		13,713		14,372		3,336		(9,512)		451		8,647
Total	$	52,341	$	4,932	$	(13,175)	$	949	$	45,047	$	42,362	$	5,061	$	(10,275)	$	750	$	37,898

Schedule of non-performing loans and non-performing assets and select credit quality ratios

(dollars in thousands)	June 30, 2018			December 31, 2017
Loans on nonaccrual status*	$	17,502		$	14,118
Loans past due 90-days-or-more and still on accrual**		858			956
Total nonperforming loans		18,360			15,074
Other real estate owned		—			115
Total nonperforming assets	$	18,360		$	15,189
Credit Quality Ratios - Total Company:
Nonperforming loans to total loans		0.44	%		0.38	%
Nonperforming assets to total loans (including OREO)		0.44			0.38
Nonperforming assets to total assets		0.35			0.30
Credit Quality Ratios - Core Bank:
Nonperforming loans to total loans		0.43	%		0.36	%
Nonperforming assets to total loans (including OREO)		0.43			0.36
Nonperforming assets to total assets		0.34			0.28

*Loans on nonaccrual status include impaired loans.

**Loans past due 90-days-or-more and still accruing consist of smaller-balance consumer loans.

Schedule of recorded investment in non-accrual loans and loans past due over 90-days-or-more and still on accrual by class of loans

					Past Due 90-Days-or-More
	Nonaccrual				and Still Accruing Interest*
(in thousands)	June 30, 2018		December 31, 2017		June 30, 2018		December 31, 2017
Traditional Banking:
Residential real estate:
Owner occupied	$	10,238	$	9,230	$	—	$	—
Owner occupied - correspondent		389		—		—		—
Nonowner occupied		730		257		—		—
Commercial real estate		4,100		3,247		—		—
Construction & land development		58		67		—		—
Commercial & industrial		999		—		—		—
Lease financing receivables		—		—		—		—
Home equity		896		1,217		—		—
Consumer:
Credit cards		—		—		—		—
Overdrafts		—		—		—		—
Automobile loans		68		68		—		—
Other consumer		24		32		22		19
Total Traditional Banking		17,502		14,118		22		19
Warehouse lines of credit		—		—		—		—
Total Core Banking		17,502		14,118		22		19
Republic Processing Group:
Tax Refund Solutions:
Easy Advances		—		—		—		—
Other TRS loans		—		—		—		—
Republic Credit Solutions		—		—		836		937
Total Republic Processing Group		—		—		836		937
Total	$	17,502	$	14,118	$	858	$	956

*  Loans past due 90-days-or-more and still accruing consist of smaller-balance consumer loans.

Schedule of aging of the recorded investment in loans by class of loans

	30 - 59			60 - 89			90 or More
June 30, 2018	Days			Days			Days			Total			Total
(dollars in thousands)	Delinquent			Delinquent			Delinquent*			Delinquent**			Current		Total
Traditional Banking:
Residential real estate:
Owner occupied	$	1,407		$	1,382		$	1,333		$	4,122		$	915,311	$	919,433
Owner occupied - correspondent		—			—			—			—			105,170		105,170
Nonowner occupied		274			—			195			469			220,474		220,943
Commercial real estate		—			262			2,135			2,397			1,233,030		1,235,427
Construction & land development		—			—			—			—			163,080		163,080
Commercial & industrial		304			100			249			653			368,536		369,189
Lease financing receivables		—			—			—			—			15,238		15,238
Home equity		127			254			166			547			336,147		336,694
Consumer:
Credit cards		52			41			—			93			17,685		17,778
Overdrafts		231			—			—			231			647		878
Automobile loans		80			8			22			110			62,033		62,143
Other consumer		35			24			22			81			31,372		31,453
Total Traditional Banking		2,510			2,071			4,122			8,703			3,468,723		3,477,426
Warehouse lines of credit		—			—			—			—			633,841		633,841
Total Core Banking		2,510			2,071			4,122			8,703			4,102,564		4,111,267
Republic Processing Group:
Tax Refund Solutions:
Easy Advances		—			—			—			—			—		—
Other TRS loans		—			—			—			—			101		101
Republic Credit Solutions		2,984			609			836			4,429			80,187		84,616
Total Republic Processing Group		2,984			609			836			4,429			80,288		84,717
Total	$	5,494		$	2,680		$	4,958		$	13,132		$	4,182,852	$	4,195,984
Delinquency ratio***		0.13	%		0.06	%		0.12	%		0.31	%

*All loans past due 90-days-or-more, excluding smaller-balance consumer loans, were on nonaccrual status.

**Delinquent status may be determined by either the number of days past due or number of payments past due.

***Represents total loans 30-days-or-more past due by aging category divided by total loans.

	30 - 59			60 - 89			90 or More
December 31, 2017	Days			Days			Days			Total			Total
(dollars in thousands)	Delinquent			Delinquent			Delinquent*			Delinquent**			Current		Total
Traditional Banking:
Residential real estate:
Owner occupied	$	2,559		$	1,166		$	1,057		$	4,782		$	916,783	$	921,565
Owner occupied - correspondent		—			—			—			—			116,792		116,792
Nonowner occupied		47			—			99			146			204,935		205,081
Commercial real estate		398			—			1,329			1,727			1,205,566		1,207,293
Construction & land development		67			—			—			67			149,998		150,065
Commercial & industrial		15			—			—			15			341,677		341,692
Lease financing receivables		—			—			—			—			16,580		16,580
Home equity		723			50			448			1,221			346,434		347,655
Consumer:
Credit cards		34			40			—			74			16,004		16,078
Overdrafts		230			3			—			233			741		974
Automobile loans		36			—			24			60			65,590		65,650
Other consumer		93			21			21			135			20,366		20,501
Total Traditional Banking		4,202			1,280			2,978			8,460			3,401,466		3,409,926
Warehouse lines of credit		—			—			—			—			525,572		525,572
Total Core Banking		4,202			1,280			2,978			8,460			3,927,038		3,935,498
Republic Processing Group:
Tax Refund Solutions:
Easy Advances		—			—			—			—			—		—
Other TRS loans		—			—			—			—			11,648		11,648
Republic Credit Solutions		3,631			1,073			937			5,641			61,247		66,888
Total Republic Processing Group		3,631			1,073			937			5,641			72,895		78,536
Total	$	7,833		$	2,353		$	3,915		$	14,101		$	3,999,933	$	4,014,034
Delinquency ratio***		0.20	%		0.06	%		0.10	%		0.35	%

*All loans past due 90-days-or-more, excluding smaller-balance consumer loans, were on nonaccrual status.

**Delinquent status may be determined by either the number of days past due or number of payments past due.

***Represents total loans 30-days-or-more past due by aging category divided by total loans.

Schedule of Bank's impaired loans

(in thousands)	June 30, 2018		December 31, 2017
Loans with no allocated Allowance	$	21,947	$	18,540
Loans with allocated Allowance		25,927		27,076
Total recorded investment in impaired loans	$	47,874	$	45,616
Amount of the allocated Allowance	$	4,165	$	4,685

Schedule of balance in the Allowance and the recorded investment in loans by portfolio class based on impairment method

	Allowance for Loan and Lease Losses								Loans
	Individually				PCI with				Individually				PCI with		PCI without
June 30, 2018	Evaluated		Collectively		Post Acquisition		Total		Evaluated		Collectively		Post Acquisition		Post Acquisition		Total		Allowance to
(dollars in thousands)	Excluding PCI		Evaluated		Impairment		Allowance		Excluding PCI		Evaluated		Impairment		Impairment		Loans		Total Loans
Traditional Banking:
Residential real estate:
Owner occupied	$	2,423	$	3,384	$	228	$	6,035	$	27,963	$	889,730	$	1,740	$	—	$	919,433		0.66	%
Owner occupied - correspondent		—		263		—		263		389		104,781		—		—		105,170		0.25
Nonowner occupied		2		1,550		—		1,552		2,716		218,227		—		—		220,943		0.70
Commercial real estate		301		9,466		48		9,815		10,269		1,223,854		1,301		3		1,235,427		0.79
Construction & land development		67		2,758		—		2,825		128		162,952		—		—		163,080		1.73
Commercial & industrial		108		2,210		—		2,318		783		368,385		—		21		369,189		0.63
Lease financing receivables		—		160		—		160		—		15,238		—		—		15,238		1.05
Home equity		368		3,180		110		3,658		1,741		334,838		115		—		336,694		1.09
Consumer:
Credit cards		—		805		—		805		—		17,778		—		—		17,778		4.53
Overdrafts		—		878		—		878		—		878		—		—		878		100.00
Automobile loans		41		623		—		664		190		61,953		—		—		62,143		1.07
Other consumer		448		325		3		776		486		30,964		3		—		31,453		2.47
Total Traditional Banking		3,758		25,602		389		29,749		44,665		3,429,578		3,159		24		3,477,426		0.86
Warehouse lines of credit		—		1,585		—		1,585		—		633,841		—		—		633,841		0.25
Total Core Banking		3,758		27,187		389		31,334		44,665		4,063,419		3,159		24		4,111,267		0.76
Republic Processing Group:
Tax Refund Solutions:
Easy Advances		—		—		—		—		—		—		—		—		—		—
Other TRS loans		—		67		—		67		—		101		—		—		101		66.34
Republic Credit Solutions		18		13,628		—		13,646		50		84,566		—		—		84,616		16.13
Total Republic Processing Group		18		13,695		—		13,713		50		84,667		—		—		84,717		16.19
Total	$	3,776	$	40,882	$	389	$	45,047	$	44,715	$	4,148,086	$	3,159	$	24	$	4,195,984		1.07	%

	Allowance for Loan and Lease Losses								Loans
	Individually				PCI with				Individually				PCI with		PCI without
December 31, 2017	Evaluated		Collectively		Post Acquisition		Total		Evaluated		Collectively		Post Acquisition		Post Acquisition		Total		Allowance to
(dollars in thousands)	Excluding PCI		Evaluated		Impairment		Allowance		Excluding PCI		Evaluated		Impairment		Impairment		Loans		Total Loans
Traditional Banking:
Residential real estate:
Owner occupied	$	2,361	$	3,501	$	320	$	6,182	$	27,605	$	892,122	$	1,838	$	—	$	921,565		0.67	%
Owner occupied - correspondent		—		292		—		292		—		116,792		—		—		116,792		0.25
Nonowner occupied		4		1,390		2		1,396		1,814		203,019		248		—		205,081		0.68
Commercial real estate		407		8,588		48		9,043		9,185		1,196,736		1,369		3		1,207,293		0.75
Construction & land development		107		2,257		—		2,364		733		149,332		—		—		150,065		1.58
Commercial & industrial		288		1,910		—		2,198		308		341,357		—		27		341,692		0.64
Lease financing receivables		—		174		—		174		—		16,580		—		—		16,580		1.05
Home equity		425		3,218		111		3,754		1,609		345,930		115		1		347,655		1.08
Consumer:
Credit cards		—		607		—		607		—		16,078		—		—		16,078		3.78
Overdrafts		—		974		—		974		—		974		—		—		974		100.00
Automobile loans		32		655		—		687		108		65,542		—		—		65,650		1.05
Other consumer		528		631		3		1,162		552		19,946		3		—		20,501		5.67
Total Traditional Banking		4,152		24,197		484		28,833		41,914		3,364,408		3,573		31		3,409,926		0.85
Warehouse lines of credit		—		1,314		—		1,314		—		525,572		—		—		525,572		0.25
Total Core Banking		4,152		25,511		484		30,147		41,914		3,889,980		3,573		31		3,935,498		0.77
Republic Processing Group:
Tax Refund Solutions:
Easy Advances		—		—		—		—		—		—		—		—		—		—
Other TRS loans		—		12		—		12		—		11,648		—		—		11,648		0.10
Republic Credit Solutions		49		12,561		—		12,610		129		66,759		—		—		66,888		18.85
Total Republic Processing Group		49		12,573		—		12,622		129		78,407		—		—		78,536		16.07
Total	$	4,201	$	38,084	$	484	$	42,769	$	42,043	$	3,968,387	$	3,573	$	31	$	4,014,034		1.07	%

Schedule of loans individually evaluated for impairment by class of loans

	As of						Three Months Ended						Six Months Ended
	June 30, 2018						June 30, 2018						June 30, 2018
											Cash Basis						Cash Basis
	Unpaid						Average		Interest		Interest		Average		Interest		Interest
	Principal		Recorded		Allocated		Recorded		Income		Income		Recorded		Income		Income
(in thousands)	Balance		Investment		Allowance		Investment		Recognized		Recognized		Investment		Recognized		Recognized
Impaired loans with no allocated Allowance:
Residential real estate:
Owner occupied	$	12,391	$	11,768	$	—	$	11,069	$	67	$	—	$	10,976	$	133	$	—
Owner occupied - correspondent		389		389		—		386		—		—		257		—		—
Nonowner occupied		3,040		2,648		—		2,699		22		—		2,367		45		—
Commercial real estate		6,737		5,663		—		5,119		24		—		4,889		45		—
Construction & land development		—		—		—		238		—		—		356		—		—
Commercial & industrial		783		675		—		694		—		—		469		—		—
Lease financing receivables		—		—		—		—		—		—		—		—		—
Home equity		830		734		—		704		4		—		796		7		—
Consumer		83		70		—		62		1		—		49		3		—
Impaired loans with allocated Allowance:
Residential real estate:
Owner occupied		17,967		17,935		2,651		18,481		153		—		18,538		299		—
Owner occupied - correspondent		—		—		—		—		—		—		—		—		—
Nonowner occupied		79		68		2		195		—		—		249		—		—
Commercial real estate		5,907		5,907		349		6,368		65		—		6,287		129		—
Construction & land development		128		128		67		132		1		—		135		2		—
Commercial & industrial		108		108		108		98		1		—		161		1		—
Lease financing receivables		—		—		—		—		—		—		—		—		—
Home equity		1,123		1,122		478		992		10		—		909		19		—
Consumer		659		659		510		668		6		—		700		14		—
Total impaired loans	$	50,224	$	47,874	$	4,165	$	47,905	$	354	$	—	$	47,138	$	697	$	—

	As of						Three Months Ended						Six Months Ended
	December 31, 2017						June 30, 2017						June 30, 2017
											Cash Basis						Cash Basis
	Unpaid						Average		Interest		Interest		Average		Interest		Interest
	Principal		Recorded		Allocated		Recorded		Income		Income		Recorded		Income		Income
(in thousands)	Balance		Investment		Allowance		Investment		Recognized		Recognized		Investment		Recognized		Recognized
Impaired loans with no allocated Allowance:
Residential real estate:
Owner occupied	$	11,664	$	10,789	$	—	$	11,802	$	48	$	—	$	12,380	$	95	$	—
Owner occupied - correspondent		—		—		—		—		—		—		—		—		—
Nonowner occupied		1,784		1,704		—		1,477		7		—		1,293		14		—
Commercial real estate		5,504		4,430		—		4,702		20		—		5,235		40		—
Construction & land development		591		591		—		537		7		—		507		15		—
Commercial & industrial		20		20		—		200		1		—		136		2		—
Lease financing receivables		—		—		—		—		—		—		—		—		—
Home equity		1,071		981		—		1,443		6		—		1,434		13		—
Consumer		25		25		—		41		—		—		43		—		—
Impaired loans with allocated Allowance:
Residential real estate:
Owner occupied		18,676		18,654		2,681		20,780		178		—		21,314		357		—
Owner occupied - correspondent		—		—		—		—		—		—		—		—		—
Nonowner occupied		361		358		6		483		6		—		620		11		—
Commercial real estate		6,124		6,124		455		5,229		49		—		6,579		95		—
Construction & land development		142		142		107		273		1		—		342		2		—
Commercial & industrial		288		288		288		150		—		—		274		—		—
Lease financing receivables		—		—		—		—		—		—		—		—		—
Home equity		743		743		536		826		5		—		698		9		—
Consumer		767		767		612		114		—		—		76		—		—
Total impaired loans	$	47,760	$	45,616	$	4,685	$	48,057	$	328	$	—	$	50,931	$	653	$	—

Schedule of TDRs differentiated by loan type and accrual status

	Troubled Debt			Troubled Debt			Total
	Restructurings on			Restructurings on			Troubled Debt
	Nonaccrual Status			Accrual Status			Restructurings
	Number of	Recorded		Number of	Recorded		Number of	Recorded
June 30, 2018 (dollars in thousands)	Loans	Investment		Loans	Investment		Loans	Investment
Residential real estate	67	$	6,683	177	$	19,917	244	$	26,600
Commercial real estate	2		1,316	15		6,647	17		7,963
Construction & land development	1		58	1		70	2		128
Commercial & industrial	3		750	2		12	5		762
Consumer	—		—	325		511	325		511
Total troubled debt restructurings	73	$	8,807	520	$	27,157	593	$	35,964

	Troubled Debt			Troubled Debt			Total
	Restructurings on			Restructurings on			Troubled Debt
	Nonaccrual Status			Accrual Status			Restructurings
	Number of	Recorded		Number of	Recorded		Number of	Recorded
December 31, 2017 (dollars in thousands)	Loans	Investment		Loans	Investment		Loans	Investment
Residential real estate	62	$	4,926	183	$	20,189	245	$	25,115
Commercial real estate	2		1,366	14		6,499	16		7,865
Construction & land development	1		67	3		666	4		733
Commercial & industrial	—		—	2		287	2		287
Consumer	—		—	830		637	830		637
Total troubled debt restructurings	65	$	6,359	1,032	$	28,278	1,097	$	34,637

Schedule of categories of TDR loan modifications outstanding and respective performance under modified terms

	Troubled Debt			Troubled Debt
	Restructurings			Restructurings			Total
	Performing to			Not Performing to			Troubled Debt
	Modified Terms			Modified Terms			Restructurings
	Number of	Recorded		Number of	Recorded		Number of	Recorded
June 30, 2018 (dollars in thousands)	Loans	Investment		Loans	Investment		Loans	Investment
Residential real estate loans (including home equity loans):
Interest only payments	2	$	1,207	—	$	—	2	$	1,207
Rate reduction	156		17,770	15		1,699	171		19,469
Principal deferral	14		3,288	3		299	17		3,587
Legal modification	46		2,082	8		255	54		2,337
Total residential TDRs	218		24,347	26		2,253	244		26,600
Commercial related and construction/land development loans:
Interest only payments	2		783	—		—	2		783
Rate reduction	7		3,061	1		80	8		3,141
Principal deferral	13		4,854	1		75	14		4,929
Total commercial TDRs	22		8,698	2		155	24		8,853
Consumer loans:
Rate reduction	1		17	—		—	1		17
Principal deferral	323		451	—		—	323		451
Legal modification	—		—	1		43	1		43
Total consumer TDRs	324		468	1		43	325		511
Total troubled debt restructurings	564	$	33,513	29	$	2,451	593	$	35,964

	Troubled Debt			Troubled Debt
	Restructurings			Restructurings			Total
	Performing to			Not Performing to			Troubled Debt
	Modified Terms			Modified Terms			Restructurings
	Number of	Recorded		Number of	Recorded		Number of	Recorded
December 31, 2017 (dollars in thousands)	Loans	Investment		Loans	Investment		Loans	Investment
Residential real estate loans (including home equity loans):
Interest only payments	2	$	463	—	$	—	2	$	463
Rate reduction	161		18,777	17		1,902	178		20,679
Principal deferral	14		1,455	2		121	16		1,576
Legal modification	42		1,997	7		400	49		2,397
Total residential TDRs	219		22,692	26		2,423	245		25,115
Commercial related and construction/land development loans:
Interest only payments	3		837	—		—	3		837
Rate reduction	7		3,185	1		79	8		3,264
Principal deferral	9		3,430	2		1,354	11		4,784
Total commercial TDRs	19		7,452	3		1,433	22		8,885
Consumer loans:
Principal deferral	830		637	—		—	830		637
Total troubled debt restructurings	1,068	$	30,781	29	$	3,856	1,097	$	34,637

Summary of categories of TDR loan modifications that occurred during the period

A summary of the categories of TDR loan modifications by respective performance as of June 30, 2018 and 2017 that were modified during the three months ended June 30, 2018 and 2017 follows:

	Troubled Debt			Troubled Debt
	Restructurings			Restructurings			Total
	Performing to			Not Performing to			Troubled Debt
	Modified Terms			Modified Terms			Restructurings
	Number of	Recorded		Number of	Recorded		Number of	Recorded
June 30, 2018 (dollars in thousands)	Loans	Investment		Loans	Investment		Loans	Investment
Residential real estate loans (including home equity loans):
Rate reduction	1	$	389	—	$	—	1	$	389
Principal deferral	2		1,501	1		169	3		1,670
Legal modification	9		273	1		46	10		319
Total residential TDRs	12		2,163	2		215	14		2,378
Commercial related and construction/land development loans:
Rate reduction	—		—	—		—	—		—
Principal deferral	3		859	1		75	4		934
Total commercial TDRs	3		859	1		75	4		934
Consumer loans:
Legal modification	—		—	1		43	1		43
Total troubled debt restructurings	15	$	3,022	4	$	333	19	$	3,355

	Troubled Debt			Troubled Debt
	Restructurings			Restructurings			Total
	Performing to			Not Performing to			Troubled Debt
	Modified Terms			Modified Terms			Restructurings
	Number of	Recorded		Number of	Recorded		Number of	Recorded
June 30, 2017 (dollars in thousands)	Loans	Investment		Loans	Investment		Loans	Investment
Residential real estate loans (including home equity loans):
Rate reduction	1	$	220	—	$	—	1	$	220
Principal deferral	2		810	—		—	2		810
Legal modification	1		11	—		—	1		11
Total residential TDRs	4		1,041	—		—	4		1,041
Total troubled debt restructurings	4	$	1,041	—	$	—	4	$	1,041

The tables above are inclusive of loans that were TDRs at the end of previous periods and were re-modified, e.g., a maturity date extension during the current period.

As of June 30, 2018 and 2017, 90% and 100% of the Bank’s TDRs that occurred during the second quarters of 2018 and 2017 were performing according to their modified terms. The Bank provided approximately $422,000 and $30,000 in specific reserve allocations to clients whose loan terms were modified in TDRs during the second quarters of 2018 and 2017.

There was no significant change between the pre and post modification loan balances for the three months ending June 30, 2018 and 2017.

A summary of the categories of TDR loan modifications by respective performance as of June 30, 2018 and 2017 that were modified during the six months ended June 30, 2018 and 2017 follows:

	Troubled Debt			Troubled Debt
	Restructurings			Restructurings			Total
	Performing to			Not Performing to			Troubled Debt
	Modified Terms			Modified Terms			Restructurings
	Number of	Recorded		Number of	Recorded		Number of	Recorded
June 30, 2018 (dollars in thousands)	Loans	Investment		Loans	Investment		Loans	Investment
Residential real estate loans (including home equity loans):
Interest only payments	1	$	1,204	—	$	—	1	$	1,204
Rate reduction	2		474	—		—	2		474
Principal deferral	3		2,002	1		170	4		2,172
Legal modification	9		273	1		46	10		319
Total residential TDRs	15		3,953	2		216	17		4,169
Commercial related and construction/land development loans:
Principal deferral	4		870	1		75	5		945
Total commercial TDRs	4		870	1		75	5		945
Consumer loans:
Principal deferral	1		58	—		—	1		58
Legal modification	—		—	1		43	1		43
Total consumer TDRs	1		58	1		43	2		101
Total troubled debt restructurings	20	$	4,881	4	$	334	24	$	5,215

	Troubled Debt			Troubled Debt
	Restructurings			Restructurings			Total
	Performing to			Not Performing to			Troubled Debt
	Modified Terms			Modified Terms			Restructurings
	Number of	Recorded		Number of	Recorded		Number of	Recorded
June 30, 2017 (dollars in thousands)	Loans	Investment		Loans	Investment		Loans	Investment
Residential real estate loans (including home equity loans):
Interest only payments	—	$	—	—	$	—	—	$	—
Rate reduction	2		379	—		—	2		379
Principal deferral	2		810	—		—	2		810
Legal modification	3		49	—		—	3		49
Total residential TDRs	7		1,238	—		—	7		1,238
Total troubled debt restructurings	7	$	1,238	—	$	—	7	$	1,238

The tables above are inclusive of loans that were TDRs at the end of previous periods and were re-modified, e.g., a maturity date extension during the current period.

Schedule of loans by class modified as troubled debt restructurings within the previous twelve months for which there was a payment default

	Three Months Ended						Six Months Ended
	June 30,						June 30,
	2018			2017			2018			2017
		Recorded		Number of	Recorded		Number of	Recorded		Number of	Recorded
(dollars in thousands)	Loans	Investment		Loans	Investment		Loans	Investment		Loans	Investment
Residential real estate:
Owner occupied	2	$	215	—	$	—	2	$	215	—	$	—
Commercial & industrial	1		75	—		—	1		75	—		—
Consumer	1		43	—		—	1		43	—		—
Total	4	$	333	—	$	—	4	$	333	—	$	—

Schedule of carrying amount of foreclosed properties held

(in thousands)	June 30, 2018		December 31, 2017
Residential real estate	$	—	$	115
Total other real estate owned	$	—	$	115

Schedule of recorded investment in consumer mortgage loans secured by residential real estate properties

(in thousands)	June 30, 2018		December 31, 2017
Recorded investment in consumer residential real estate mortgage loans in the process of foreclosure	$	1,455	$	1,392

Schedule of Easy Advances

	Three Months Ended				Six Months Ended
	June 30,				June 30,
(in thousands)	2018		2017		2018			2017
Easy Advances originated	$	—	$	—	$	430,210		$	328,519
Net Charge (Credit) to the Provision for Easy Advances		(881)		(721)		12,396			7,880
Provision to total Easy Advances originated		NA		NA		2.88	%		2.40	%
Easy Advances net charge-offs	$	8,691	$	7,020	$	12,396		$	7,880
Easy Advances net charge-offs to total Easy Advances originated		NA		NA		2.88	%		2.40	%