LOANS AND ALLOWANCE FOR LOAN AND LEASE LOSSES (Tables)

3 Months Ended

Mar. 31, 2019

LOANS AND ALLOWANCE FOR LOAN AND LEASE LOSSES

Schedule of composition of loan portfolio

(in thousands)	March 31, 2019		December 31, 2018
Traditional Banking:
Residential real estate:
Owner occupied	$	906,330	$	907,005
Owner occupied - correspondent*		88,776		94,827
Nonowner occupied		251,876		242,846
Commercial real estate		1,277,201		1,248,940
Construction & land development		168,579		175,178
Commercial & industrial		456,707		430,355
Lease financing receivables		14,292		15,031
Home equity		323,695		332,548
Consumer:
Credit cards		18,073		19,095
Overdrafts		892		1,102
Automobile loans		65,960		63,475
Other consumer		51,276		46,642
Total Traditional Banking		3,623,657		3,577,044
Warehouse lines of credit*		558,787		468,695
Total Core Banking		4,182,444		4,045,739
Republic Processing Group*:
Tax Refund Solutions:
Easy Advances		22,700		—
Other TRS loans		570		13,744
Republic Credit Solutions		92,996		88,744
Total Republic Processing Group		116,266		102,488
Total loans**		4,298,710		4,148,227
Allowance for loan and lease losses		(57,961)		(44,675)
Total loans, net	$	4,240,749	$	4,103,552

*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)	March 31, 2019		December 31, 2018
Contractually receivable	$	4,297,610	$	4,147,249
Unearned income(1)		(1,134)		(1,038)
Unamortized premiums(2)		553		588
Unaccreted discounts(3)		(3,143)		(3,174)
Net unamortized deferred origination fees and costs(4)		4,824		4,602
Carrying value of loans	$	4,298,710	$	4,148,227

(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)	March 31, 2019		December 31, 2018
Contractually required principal	$	3,989	$	4,251
Non-accretable amount		(1,405)		(1,521)
Accretable amount		(50)		(50)
Carrying value of loans	$	2,534	$	2,680

Rollforward of the accretable amount on PCI loans

	Three Months Ended
	March 31,
(in thousands)	2019		2018
Balance, beginning of period	$	(50)	$	(140)
Transfers between non-accretable and accretable*		(116)		—
Net accretion into interest income on loans, including loan fees		116		—
Balance, end of period	$	(50)	$	(140)

*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

March 31, 2019			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	$	—	$	14,080	$	11,775	$	—	$	167	$	1,429	$	27,451
Owner occupied - correspondent		—		—		862		—		—		—		862
Nonowner occupied		—		943		1,358		—		—		—		2,301
Commercial real estate		1,267,077		6,450		2,775		—		899		—		1,277,201
Construction & land development		168,516		—		63		—		—		—		168,579
Commercial & industrial		454,712		1,284		687		—		24		—		456,707
Lease financing receivables		14,292		—		—		—		—		—		14,292
Home equity		—		—		1,779		—		5		7		1,791
Consumer:
Credit cards		—		—		—		—		—		—		—
Overdrafts		—		—		—		—		—		—		—
Automobile loans		—		—		115		—		—		—		115
Other consumer		—		—		411		—		—		3		414
Total Traditional Banking		1,904,597		22,757		19,825		—		1,095		1,439		1,949,713
Warehouse lines of credit		558,787		—		—		—		—		—		558,787
Total Core Banking		2,463,384		22,757		19,825		—		1,095		1,439		2,508,500
Republic Processing Group:
Tax Refund Solutions:
Easy Advances		—		—		—		—		—		—		—
Other TRS loans		—		—		3		—		—		—		3
Republic Credit Solutions		—		—		69		—		—		—		69
Total Republic Processing Group		—		—		72		—		—		—		72
Total rated loans	$	2,463,384	$	22,757	$	19,897	$	—	$	1,095	$	1,439	$	2,508,572

December 31, 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	$	—	$	14,536	$	11,690	$	—	$	170	$	1,476	$	27,872
Owner occupied - correspondent		—		—		382		—		—		—		382
Nonowner occupied		—		575		1,889		—		—		—		2,464
Commercial real estate		1,239,576		5,281		3,162		—		921		—		1,248,940
Construction & land development		175,113		—		65		—		—		—		175,178
Commercial & industrial		428,897		813		620		—		25		—		430,355
Lease financing receivables		15,031		—		—		—		—		—		15,031
Home equity		—		—		1,361		—		5		81		1,447
Consumer:
Credit cards		—		—		—		—		—		—		—
Overdrafts		—		—		—		—		—		—		—
Automobile loans		—		—		91		—		—		—		91
Other consumer		—		—		462		—		—		2		464
Total Traditional Banking		1,858,617		21,205		19,722		—		1,121		1,559		1,902,224
Warehouse lines of credit		468,695		—		—		—		—		—		468,695
Total Core Banking		2,327,312		21,205		19,722		—		1,121		1,559		2,370,919
Republic Processing Group:
Tax Refund Solutions:
Easy Advances		—		—		—		—		—		—		—
Other TRS loans		—		—		—		—		—		—		—
Republic Credit Solutions		—		—		138		—		—		—		138
Total Republic Processing Group		—		—		138		—		—		—		138
Total rated loans	$	2,327,312	$	21,205	$	19,860	$	—	$	1,121	$	1,559	$	2,371,057

*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 March 31,
	2019										2018
	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	$	5,798	$	(240)	$	(17)	$	38	$	5,579	$	6,182	$	—	$	(215)	$	21	$	5,988
Owner occupied - correspondent		237		(15)		—		—		222		292		(14)		—		—		278
Nonowner occupied		1,662		130		(72)		—		1,720		1,396		165		(121)		21		1,461
Commercial real estate		10,030		203		—		2		10,235		9,043		292		—		125		9,460
Construction & land development		2,555		(112)		—		—		2,443		2,364		354		—		2		2,720
Commercial & industrial		2,873		360		—		2		3,235		2,198		126		(108)		31		2,247
Lease financing receivables		158		(8)		—		—		150		174		(9)		—		—		165
Home equity		3,477		(157)		(13)		30		3,337		3,754		(111)		—		26		3,669
Consumer:
Credit cards		1,140		65		(150)		24		1,079		607		235		(93)		7		756
Overdrafts		1,102		19		(294)		65		892		974		17		(289)		89		791
Automobile loans		724		38		—		6		768		687		19		—		—		706
Other consumer		591		(94)		(66)		81		512		1,162		(135)		(120)		83		990
Total Traditional Banking		30,347		189		(612)		248		30,172		28,833		939		(946)		405		29,231
Warehouse lines of credit		1,172		225		—		—		1,397		1,314		21		—		—		1,335
Total Core Banking		31,519		414		(612)		248		31,569		30,147		960		(946)		405		30,566
Republic Processing Group:
Tax Refund Solutions:
Easy Advances		—		13,381		—		—		13,381		—		13,277		(3,705)		—		9,572
Other TRS loans		107		53		(17)		6		149		12		112		—		1		125
Republic Credit Solutions		13,049		3,383		(3,824)		254		12,862		12,610		2,906		(3,696)		258		12,078
Total Republic Processing Group		13,156		16,817		(3,841)		260		26,392		12,622		16,295		(7,401)		259		21,775
Total	$	44,675	$	17,231	$	(4,453)	$	508	$	57,961	$	42,769	$	17,255	$	(8,347)	$	664	$	52,341

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

(dollars in thousands)	March 31, 2019			December 31, 2018
Loans on nonaccrual status*	$	15,361		$	15,993
Loans past due 90-days-or-more and still on accrual**		199			145
Total nonperforming loans		15,560			16,138
Other real estate owned		216			160
Total nonperforming assets	$	15,776		$	16,298
Credit Quality Ratios - Total Company:
Nonperforming loans to total loans		0.36	%		0.39	%
Nonperforming assets to total loans (including OREO)		0.37			0.39
Nonperforming assets to total assets		0.29			0.31
Credit Quality Ratios - Core Bank:
Nonperforming loans to total loans		0.37	%		0.40	%
Nonperforming assets to total loans (including OREO)		0.37			0.40
Nonperforming assets to total assets		0.31			0.32

*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)	March 31, 2019		December 31, 2018		March 31, 2019		December 31, 2018
Traditional Banking:
Residential real estate:
Owner occupied	$	9,742	$	10,800	$	—	$	—
Owner occupied - correspondent		862		382		—		—
Nonowner occupied		467		669		—		—
Commercial real estate		1,970		2,318		—		—
Construction & land development		219		—		—		—
Commercial & industrial		666		630		—		—
Lease financing receivables		—		—		—		—
Home equity		1,356		1,095		—		—
Consumer:
Credit cards		—		—		—		—
Overdrafts		—		—		—		—
Automobile loans		61		75		—		—
Other consumer		18		24		4		13
Total Traditional Banking		15,361		15,993		4		13
Warehouse lines of credit		—		—		—		—
Total Core Banking		15,361		15,993		4		13
Republic Processing Group:
Tax Refund Solutions:
Easy Advances		—		—		—		—
Other TRS loans		—		—		3		4
Republic Credit Solutions		—		—		192		128
Total Republic Processing Group		—		—		195		132
Total	$	15,361	$	15,993	$	199	$	145

*  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
March 31, 2019	Days			Days			Days			Total			Total
(dollars in thousands)	Delinquent			Delinquent			Delinquent*			Delinquent**			Current		Total
Traditional Banking:
Residential real estate:
Owner occupied	$	1,205		$	404		$	3,402		$	5,011		$	901,319	$	906,330
Owner occupied - correspondent		484			—			—			484			88,292		88,776
Nonowner occupied		—			—			460			460			251,416		251,876
Commercial real estate		28			60			329			417			1,276,784		1,277,201
Construction & land development		—			219			—			219			168,360		168,579
Commercial & industrial		73			96			—			169			456,538		456,707
Lease financing receivables		—			—			—			—			14,292		14,292
Home equity		368			—			260			628			323,067		323,695
Consumer:
Credit cards		28			44			—			72			18,001		18,073
Overdrafts		203			1			1			205			687		892
Automobile loans		35			—			—			35			65,925		65,960
Other consumer		19			4			4			27			51,249		51,276
Total Traditional Banking		2,443			828			4,456			7,727			3,615,930		3,623,657
Warehouse lines of credit		—			—			—			—			558,787		558,787
Total Core Banking		2,443			828			4,456			7,727			4,174,717		4,182,444
Republic Processing Group:
Tax Refund Solutions:
Easy Advances		19,100			—			—			19,100			3,600		22,700
Other TRS loans		5			3			3			11			559		570
Republic Credit Solutions		5,092			2,064			193			7,349			85,647		92,996
Total Republic Processing Group		24,197			2,067			196			26,460			89,806		116,266
Total	$	26,640		$	2,895		$	4,652		$	34,187		$	4,264,523	$	4,298,710
Delinquency ratio***		0.62	%		0.07	%		0.11	%		0.80	%

*All loans past due 90-days-or-more, excluding small 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. EAs do not have a contractual due date but the Company considers an EA delinquent if it remains unpaid three weeks after the taxpayer’s tax return is submitted to the applicable taxing authority.

***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, 2018	Days			Days			Days			Total			Total
(dollars in thousands)	Delinquent			Delinquent			Delinquent*			Delinquent**			Current		Total
Traditional Banking:
Residential real estate:
Owner occupied	$	1,137		$	748		$	3,640		$	5,525		$	901,480	$	907,005
Owner occupied - correspondent		—			—			—			—			94,827		94,827
Nonowner occupied		349			—			659			1,008			241,838		242,846
Commercial real estate		511			—			588			1,099			1,247,841		1,248,940
Construction & land development		—			—			—			—			175,178		175,178
Commercial & industrial		—			—			25			25			430,330		430,355
Lease financing receivables		—			—			—			—			15,031		15,031
Home equity		558			—			226			784			331,764		332,548
Consumer:
Credit cards		82			46			1			129			18,966		19,095
Overdrafts		223			5			2			230			872		1,102
Automobile loans		—			28			—			28			63,447		63,475
Other consumer		27			7			13			47			46,595		46,642
Total Traditional Banking		2,887			834			5,154			8,875			3,568,169		3,577,044
Warehouse lines of credit		—			—			—			—			468,695		468,695
Total Core Banking		2,887			834			5,154			8,875			4,036,864		4,045,739
Republic Processing Group:
Tax Refund Solutions:
Easy Advances		—			—			—			—			—		—
Other TRS loans		2			4			4			10			13,734		13,744
Republic Credit Solutions		5,734			1,215			128			7,077			81,667		88,744
Total Republic Processing Group		5,736			1,219			132			7,087			95,401		102,488
Total	$	8,623		$	2,053		$	5,286		$	15,962		$	4,132,265	$	4,148,227
Delinquency ratio***		0.21	%		0.05	%		0.13	%		0.38	%

*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)	March 31, 2019		December 31, 2018
Loans with no allocated Allowance	$	17,332	$	19,555
Loans with allocated Allowance		22,669		21,880
Total recorded investment in impaired loans	$	40,001	$	41,435
Amount of the allocated Allowance	$	3,594	$	3,764

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
March 31, 2019	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	$	1,890	$	3,357	$	332	$	5,579	$	24,570	$	880,163	$	1,597	$	—	$	906,330		0.62	%
Owner occupied - correspondent		—		222		—		222		862		87,914		—		—		88,776		0.25
Nonowner occupied		—		1,720		—		1,720		1,802		250,074		—		—		251,876		0.68
Commercial real estate		293		9,933		9		10,235		6,755		1,269,547		897		2		1,277,201		0.80
Construction & land development		2		2,441		—		2,443		63		168,516		—		—		168,579		1.45
Commercial & industrial		256		2,979		—		3,235		1,103		455,580		—		24		456,707		0.71
Lease financing receivables		—		150		—		150		—		14,292		—		—		14,292		1.05
Home equity		296		3,041		—		3,337		1,779		321,904		12		—		323,695		1.03
Consumer:
Credit cards		—		1,079		—		1,079		—		18,073		—		—		18,073		5.97
Overdrafts		—		892		—		892		—		892		—		—		892		100.00
Automobile loans		115		653		—		768		115		65,845		—		—		65,960		1.16
Other consumer		384		128		—		512		407		50,867		2		—		51,276		1.00
Total Traditional Banking		3,236		26,595		341		30,172		37,456		3,583,667		2,508		26		3,623,657		0.83
Warehouse lines of credit		—		1,397		—		1,397		—		558,787		—		—		558,787		0.25
Total Core Banking		3,236		27,992		341		31,569		37,456		4,142,454		2,508		26		4,182,444		0.75
Republic Processing Group:
Tax Refund Solutions:
Easy Advances		—		13,381		—		13,381		—		22,700		—		—		22,700		58.95
Other TRS loans		—		149		—		149		—		570		—		—		570		26.14
Republic Credit Solutions		17		12,845		—		12,862		37		92,959		—		—		92,996		13.83
Total Republic Processing Group		17		26,375		—		26,392		37		116,229		—		—		116,266		22.70
Total	$	3,253	$	54,367	$	341	$	57,961	$	37,493	$	4,258,683	$	2,508	$	26	$	4,298,710		1.35	%

	Allowance for Loan and Lease Losses								Loans
	Individually				PCI with				Individually				PCI with		PCI without
December 31, 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	$	2,052	$	3,365	$	381	$	5,798	$	24,860	$	880,500	$	1,645	$	—	$	907,005		0.64	%
Owner occupied - correspondent		—		237		—		237		382		94,445		—		—		94,827		0.25
Nonowner occupied		4		1,658		—		1,662		2,406		240,440		—		—		242,846		0.68
Commercial real estate		294		9,727		9		10,030		8,104		1,239,915		919		2		1,248,940		0.80
Construction & land development		4		2,551		—		2,555		65		175,113		—		—		175,178		1.46
Commercial & industrial		130		2,743		—		2,873		1,020		429,310		—		25		430,355		0.67
Lease financing receivables		—		158		—		158		—		15,031		—		—		15,031		1.05
Home equity		286		3,117		74		3,477		1,361		331,101		86		—		332,548		1.05
Consumer:
Credit cards		—		1,140		—		1,140		—		19,095		—		—		19,095		5.97
Overdrafts		—		1,102		—		1,102		—		1,102		—		—		1,102		100.00
Automobile loans		91		633		—		724		91		63,384		—		—		63,475		1.14
Other consumer		421		170		—		591		449		46,190		3		—		46,642		1.27
Total Traditional Banking		3,282		26,601		464		30,347		38,738		3,535,626		2,653		27		3,577,044		0.85
Warehouse lines of credit		—		1,172		—		1,172		—		468,695		—		—		468,695		0.25
Total Core Banking		3,282		27,773		464		31,519		38,738		4,004,321		2,653		27		4,045,739		0.78
Republic Processing Group:
Tax Refund Solutions:
Easy Advances		—		—		—		—		—		—		—		—		—		—
Other TRS loans		—		107		—		107		—		13,744		—		—		13,744		0.78
Republic Credit Solutions		18		13,031		—		13,049		44		88,700		—		—		88,744		14.70
Total Republic Processing Group		18		13,138		—		13,156		44		102,444		—		—		102,488		12.84
Total	$	3,300	$	40,911	$	464	$	44,675	$	38,782	$	4,106,765	$	2,653	$	27	$	4,148,227		1.08	%

Schedule of loans individually evaluated for impairment by class of loans

	As of						Three Months Ended
	March 31, 2019						March 31, 2019
											Cash Basis
	Unpaid						Average		Interest		Interest
	Principal		Recorded		Allocated		Recorded		Income		Income
(in thousands)	Balance		Investment		Allowance		Investment		Recognized		Recognized
Impaired loans with no allocated Allowance:
Residential real estate:
Owner occupied	$	9,903	$	9,373	$	—	$	10,038	$	49	$	—
Owner occupied - correspondent		862		862		—		622		—		—
Nonowner occupied		2,251		1,802		—		2,076		20		—
Commercial real estate		4,434		3,353		—		3,980		24		—
Construction & land development		—		—		—		—		—		—
Commercial & industrial		740		632		—		618		—		—
Lease financing receivables		—		—		—		—		—		—
Home equity		1,326		1,283		—		1,080		5		—
Consumer		27		27		—		30		—		—
Impaired loans with allocated Allowance:
Residential real estate:
Owner occupied		17,440		16,794		2,222		16,298		146		—
Owner occupied - correspondent		—		—		—		—		—		—
Nonowner occupied		—		—		—		28		—		—
Commercial real estate		4,299		4,299		302		4,358		49		—
Construction & land development		63		63		2		64		—		—
Commercial & industrial		471		471		256		444		8		—
Lease financing receivables		—		—		—		—		—		—
Home equity		509		508		296		540		2		—
Consumer		536		534		516		544		5		—
Total impaired loans	$	42,861	$	40,001	$	3,594	$	40,720	$	308	$	—

	As of						Three Months Ended
	December 31, 2018						March 31, 2018
											Cash Basis
	Unpaid						Average		Interest		Interest
	Principal		Recorded		Allocated		Recorded		Income		Income
(in thousands)	Balance		Investment		Allowance		Investment		Recognized		Recognized
Impaired loans with no allocated Allowance:
Residential real estate:
Owner occupied	$	11,676	$	10,703	$	—	$	10,580	$	50	$	—
Owner occupied - correspondent		382		382		—		192		4		—
Nonowner occupied		2,729		2,350		—		2,227		22		—
Commercial real estate		5,688		4,607		—		4,503		17		—
Construction & land development		—		—		—		534		5		—
Commercial & industrial		712		604		—		366		3		—
Lease financing receivables		—		—		—		—		—		—
Home equity		919		876		—		828		3		—
Consumer		33		33		—		39		1		—
Impaired loans with allocated Allowance:
Residential real estate:
Owner occupied		16,215		15,802		2,433		18,840		172		—
Owner occupied - correspondent		—		—		—		—		—		—
Nonowner occupied		78		56		4		340		3		—
Commercial real estate		4,416		4,416		303		6,477		73		—
Construction & land development		65		65		4		139		1		—
Commercial & industrial		416		416		130		188		1		—
Lease financing receivables		—		—		—		—		—		—
Home equity		572		571		360		802		7		—
Consumer		554		554		530		722		5		—
Total impaired loans	$	44,455	$	41,435	$	3,764	$	46,777	$	367	$	—

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
March 31, 2019 (dollars in thousands)	Loans	Investment		Loans	Investment		Loans	Investment
Residential real estate	59	$	6,097	155	$	16,821	214	$	22,918
Commercial real estate	4		1,196	9		4,935	13		6,131
Construction & land development	—		—	1		63	1		63
Commercial & industrial	3		570	4		421	7		991
Consumer	—		—	233		419	233		419
Total troubled debt restructurings	66	$	7,863	402	$	22,659	468	$	30,522

	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, 2018 (dollars in thousands)	Loans	Investment		Loans	Investment		Loans	Investment
Residential real estate	60	$	6,378	156	$	17,232	216	$	23,610
Commercial real estate	3		1,203	14		6,571	17		7,774
Construction & land development	—		—	1		65	1		65
Commercial & industrial	2		571	3		408	5		979
Consumer	—		—	256		435	256		435
Total troubled debt restructurings	65	$	8,152	430	$	24,711	495	$	32,863

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
March 31, 2019 (dollars in thousands)	Loans	Investment		Loans	Investment		Loans	Investment
Residential real estate loans (including home equity loans):
Interest only payments	—	$	—	1	$	970	1	$	970
Rate reduction	142		16,318	9		816	151		17,134
Principal deferral	11		1,185	5		1,812	16		2,997
Legal modification	38		1,621	8		196	46		1,817
Total residential TDRs	191		19,124	23		3,794	214		22,918
Commercial related and construction/land development loans:
Interest only payments	2		735	—		—	2		735
Rate reduction	4		1,403	—		—	4		1,403
Principal deferral	14		5,019	—		—	14		5,019
Legal modification	—		—	1		28	1		28
Total commercial TDRs	20		7,157	1		28	21		7,185
Consumer loans:
Rate reduction	—		—	1		18	1		18
Principal deferral	232		401	—		—	232		401
Total consumer TDRs	232		401	1		18	233		419
Total troubled debt restructurings	443	$	26,682	25	$	3,840	468	$	30,522

	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, 2018 (dollars in thousands)	Loans	Investment		Loans	Investment		Loans	Investment
Residential real estate loans (including home equity loans):
Interest only payments	—	$	—	1	$	970	1	$	970
Rate reduction	145		16,892	12		978	157		17,870
Principal deferral	11		1,171	4		1,871	15		3,042
Legal modification	35		1,500	8		228	43		1,728
Total residential TDRs	191		19,563	25		4,047	216		23,610
Commercial related and construction/land development loans:
Interest only payments	2		752	—		—	2		752
Rate reduction	8		2,962	—		—	8		2,962
Principal deferral	12		5,076	—		—	12		5,076
Legal modification	—		—	1		28	1		28
Total commercial TDRs	22		8,790	1		28	23		8,818
Consumer loans:
Rate reduction	1		16	—		—	1		16
Principal deferral	255		419	—		—	255		419
Legal modification	—		—	—		—	—		—
Total consumer TDRs	256		435	—		—	256		435
Total troubled debt restructurings	469	$	28,788	26	$	4,075	495	$	32,863

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

	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
March 31, 2019 (dollars in thousands)	Loans	Investment		Loans	Investment		Loans	Investment
Residential real estate loans (including home equity loans):
Principal deferral	1	$	33	1	$	11	2	$	44
Legal modification	6		159	2		83	8		242
Total residential TDRs	7		192	3		94	10		286
Commercial related and construction/land development loans:
Principal deferral	2		48	—		—	2		48
Total commercial TDRs	2		48	—		—	2		48
Consumer loans:
Legal modification	—		—	1		18	1		18
Total consumer TDRs	—		—	1		18	1		18
Total troubled debt restructurings	9	$	240	4	$	112	13	$	352

	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
March 31, 2018 (dollars in thousands)	Loans	Investment		Loans	Investment		Loans	Investment
Residential real estate loans (including home equity loans):
Rate reduction	—	$	—	1	$	85	1	$	85
Principal deferral	1		1,204	1		522	2		1,726
Legal modification	—		—	—		—	—		—
Total residential TDRs	1		1,204	2		607	3		1,811
Commercial related and construction/land development loans:
Principal deferral	2		3	1		14	3		17
Total commercial TDRs	2		3	1		14	3		17
Consumer loans:
Principal deferral	1		61	—		—	1		61
Total consumer TDRs	1		61	—		—	1		61
Total troubled debt restructurings	4	$	1,268	3	$	621	7	$	1,889

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
	March 31,
	2019			2018
	Number of	Recorded		Number of	Recorded
(dollars in thousands)	Loans	Investment		Loans	Investment
Residential real estate:
Owner occupied	1	$	47	1	$	522
Commercial & industrial	—		—	1		14
Home equity	2		47	—		—
Consumer	1		18	—		—
Total	4	$	112	2	$	536

Schedule of carrying amount of foreclosed properties held

(in thousands)	March 31, 2019		December 31, 2018
Residential real estate	$	216	$	160
Total other real estate owned	$	216	$	160

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

(in thousands)	March 31, 2019		December 31, 2018
Recorded investment in consumer residential real estate mortgage loans in the process of foreclosure	$	2,776	$	3,293

Schedule of Easy Advances

	Three Months Ended
	March 31,
(in thousands)	2019			2018
Easy Advances originated	$	388,970		$	430,210
Net charge to the Provision for Easy Advances		13,381			13,277
Provision to total Easy Advances originated		3.44	%		3.09	%
Easy Advances net charge-offs*	$	—		$	3,705
Easy Advances net charge-offs to total Easy Advances originated*		—	%		0.86	%

*The Company amended its charge-off policy for EAs during the second half of 2018 to charge-off EAs at 111 days past due instead of 60 days past due.