LOANS AND ALLOWANCE FOR LOAN AND LEASE LOSSES (Tables)

12 Months Ended

Dec. 31, 2019

LOANS AND ALLOWANCE FOR LOAN AND LEASE LOSSES

Schedule of composition of loan portfolio

December 31,  (in thousands)	2019		2018
Traditional Banking:
Residential real estate:
Owner occupied	$	949,568	$	1,001,832
Nonowner occupied		258,803		242,846
Commercial real estate		1,303,000		1,248,940
Construction & land development		159,702		175,178
Commercial & industrial		477,236		430,355
Lease financing receivables		14,040		15,031
Home equity		293,186		332,548
Consumer:
Credit cards		17,836		19,095
Overdrafts		1,522		1,102
Automobile loans		52,923		63,475
Other consumer		68,115		46,642
Total Traditional Banking		3,595,931		3,577,044
Warehouse lines of credit*		717,458		468,695
Total Core Banking		4,313,389		4,045,739
Republic Processing Group*:
Tax Refund Solutions:
Easy Advances		—		—
Other TRS loans		14,365		13,744
Republic Credit Solutions		105,397		88,744
Total Republic Processing Group		119,762		102,488
Total loans**		4,433,151		4,148,227
Allowance for loan and lease losses		(43,351)		(44,675)
Total loans, net	$	4,389,800	$	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

December 31,  (in thousands)	2019		2018
Contractually receivable	$	4,432,351	$	4,147,249
Unearned income(1)		(1,139)		(1,038)
Unamortized premiums(2)		366		588
Unaccreted discounts(3)		(2,534)		(3,174)
Net unamortized deferred origination fees and costs(4)		4,107		4,602
Carrying value of loans	$	4,433,151	$	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

December 31,  (in thousands)	2019		2018
Contractually required principal	$	3,420	$	4,251
Non-accretable amount		(1,303)		(1,521)
Accretable amount		(31)		(50)
Carrying value of loans	$	2,086	$	2,680

Rollforward of the accretable amount on PCI loans

Years Ended December 31,  (in thousands)	2019		2018		2017
Balance, beginning of period	$	(50)	$	(140)	$	(3,600)
Transfers between non-accretable and accretable*		(279)		(573)		(28)
Net accretion into interest income on loans, including loan fees		298		663		3,488
Balance, end of period	$	(31)	$	(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

December 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	$	—	$	12,153	$	14,441	$	—	$	140	$	1,281	$	28,015
Nonowner occupied		—		487		1,285		—		—		—		1,772
Commercial real estate		1,286,623		4,623		11,123		—		631		—		1,303,000
Construction & land development		157,165		2,339		198		—		—		—		159,702
Commercial & industrial		473,094		2,152		1,968		—		22		—		477,236
Lease financing receivables		14,040		—		—		—		—		—		14,040
Home equity		—		—		3,276		—		4		6		3,286
Consumer:
Credit cards		—		—		—		—		—		—		—
Overdrafts		—		—		—		—		—		—		—
Automobile loans		—		—		247		—		—		—		247
Other consumer		—		—		351		—		—		2		353
Total Traditional Banking		1,930,922		21,754		32,889		—		797		1,289		1,987,651
Warehouse lines of credit		717,458		—		—		—		—		—		717,458
Total Core Banking		2,648,380		21,754		32,889		—		797		1,289		2,705,109
Republic Processing Group:
Tax Refund Solutions:
Easy Advances		—		—		—		—		—		—		—
Other TRS loans		—		—		53		—		—		—		53
Republic Credit Solutions		—		—		355		—		—		—		355
Total Republic Processing Group		—		—		408		—		—		—		408
Total rated loans	$	2,648,380	$	21,754	$	33,297	$	—	$	797	$	1,289	$	2,705,517

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	$	12,072	$	—	$	170	$	1,476	$	28,254
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 or non-rated 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
	Years Ended December 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	$	6,035	$	(1,087)	$	(610)	$	391	$	4,729	$	6,474	$	170	$	(855)	$	246	$	6,035
Nonowner occupied		1,662		125		(73)		23		1,737		1,396		559		(332)		39		1,662
Commercial real estate		10,030		1,859		(1,407)		4		10,486		9,043		863		(7)		131		10,030
Construction & land development		2,555		(403)		—		—		2,152		2,364		161		—		30		2,555
Commercial & industrial		2,873		1,505		(1,505)		9		2,882		2,198		824		(200)		51		2,873
Lease financing receivables		158		(11)		—		—		147		174		(16)		—		—		158
Home equity		3,477		(764)		(64)		72		2,721		3,754		(473)		(115)		311		3,477
Consumer:
Credit cards		1,140		226		(402)		56		1,020		607		906		(416)		43		1,140
Overdrafts		1,102		1,155		(1,310)		222		1,169		974		1,082		(1,215)		261		1,102
Automobile loans		724		(42)		(79)		9		612		687		57		(24)		4		724
Other consumer		591		(119)		(263)		341		550		1,162		(423)		(444)		296		591
Total Traditional Banking		30,347		2,444		(5,713)		1,127		28,205		28,833		3,710		(3,608)		1,412		30,347
Warehouse lines of credit		1,172		622		—		—		1,794		1,314		(142)		—		—		1,172
Total Core Banking		31,519		3,066		(5,713)		1,127		29,999		30,147		3,568		(3,608)		1,412		31,519
Republic Processing Group:
Tax Refund Solutions:
Easy Advances		—		10,643		(13,425)		2,782		—		—		10,760		(12,478)		1,718		—
Other TRS loans		107		606		(692)		213		234		12		159		(74)		10		107
Republic Credit Solutions		13,049		11,443		(12,566)		1,192		13,118		12,610		16,881		(17,692)		1,250		13,049
Total Republic Processing Group		13,156		22,692		(26,683)		4,187		13,352		12,622		27,800		(30,244)		2,978		13,156
Total	$	44,675	$	25,758	$	(32,396)	$	5,314	$	43,351	$	42,769	$	31,368	$	(33,852)	$	4,390	$	44,675

	Allowance Rollforward
	Year Ended December 31, 2017
	Beginning				Charge-				Ending
(in thousands)	Balance		Provision		offs		Recoveries		Balance
Traditional Banking:
Residential real estate:
Owner occupied	$	7,531	$	(1,014)	$	(300)	$	257	$	6,474
Nonowner occupied		1,139		272		(30)		15		1,396
Commercial real estate		8,078		826		—		139		9,043
Construction & land development		1,850		508		—		6		2,364
Commercial & industrial		1,511		842		(189)		34		2,198
Lease financing receivables		136		38		—		—		174
Home equity		3,757		37		(222)		182		3,754
Consumer:
Credit cards		490		247		(168)		38		607
Overdrafts		675		1,031		(960)		228		974
Automobile loans		526		188		(30)		3		687
Other consumer		771		948		(884)		327		1,162
Total Traditional Banking		26,464		3,923		(2,783)		1,229		28,833
Warehouse lines of credit		1,464		(150)		—		—		1,314
Total Core Banking		27,928		3,773		(2,783)		1,229		30,147
Republic Processing Group:
Tax Refund Solutions:
Easy Advances		—		6,789		(8,121)		1,332		—
Other TRS loans		25		(254)		—		241		12
Republic Credit Solutions		4,967		17,396		(10,659)		906		12,610
Total Republic Processing Group		4,992		23,931		(18,780)		2,479		12,622
Total	$	32,920	$	27,704	$	(21,563)	$	3,708	$	42,769

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

December 31,  (dollars in thousands)	2019			2018
Loans on nonaccrual status*	$	23,332		$	15,993
Loans past due 90-days-or-more and still on accrual**		157			145
Total nonperforming loans		23,489			16,138
Other real estate owned		113			160
Total nonperforming assets	$	23,602		$	16,298
Credit Quality Ratios - Total Company:
Nonperforming loans to total loans		0.53	%		0.39	%
Nonperforming assets to total loans (including OREO)		0.53			0.39
Nonperforming assets to total assets		0.42			0.31
Credit Quality Ratios - Core Bank:
Nonperforming loans to total loans		0.54	%		0.40	%
Nonperforming assets to total loans (including OREO)		0.54			0.40
Nonperforming assets to total assets		0.43			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*
December 31,  (in thousands)	2019		2018		2019		2018
Traditional Banking:
Residential real estate:
Owner occupied	$	12,220	$	11,182	$	—	$	—
Nonowner occupied		623		669		—		—
Commercial real estate		6,865		2,318		—		—
Construction & land development		143		—		—		—
Commercial & industrial		1,424		630		—		—
Lease financing receivables		—		—		—		—
Home equity		1,865		1,095		—		—
Consumer:
Credit cards		—		—		—		—
Overdrafts		—		—		—		—
Automobile loans		179		75		—		—
Other consumer		13		24		—		13
Total Traditional Banking		23,332		15,993		—		13
Warehouse lines of credit		—		—		—		—
Total Core Banking		23,332		15,993		—		13
Republic Processing Group:
Tax Refund Solutions:
Easy Advances		—		—		—		—
Other TRS loans		—		—		53		4
Republic Credit Solutions		—		—		104		128
Total Republic Processing Group		—		—		157		132
Total	$	23,332	$	15,993	$	157	$	145

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

Schedule of recorded investment in loans

	Residential Real Estate						Consumer
															Republic
	Owner		Nonowner		Home		Credit				Automobile		Other		Credit
December 31, 2019 (in thousands)	Occupied		Occupied		Equity		Cards		Overdrafts		Loans		Consumer		Solutions
Performing	$	937,348	$	258,180	$	291,321	$	17,836	$	1,522	$	52,744	$	68,102	$	105,293
Nonperforming		12,220		623		1,865		—		—		179		13		104
Total	$	949,568	$	258,803	$	293,186	$	17,836	$	1,522	$	52,923	$	68,115	$	105,397

	Residential Real Estate						Consumer
															Republic
	Owner		Nonowner		Home		Credit				Automobile		Other		Credit
December 31, 2018 (in thousands)	Occupied		Occupied		Equity		Cards		Overdrafts		Loans		Consumer		Solutions
Performing	$	990,650	$	242,177	$	331,453	$	19,095	$	1,102	$	63,400	$	46,605	$	88,616
Nonperforming		11,182		669		1,095		—		—		75		37		128
Total	$	1,001,832	$	242,846	$	332,548	$	19,095	$	1,102	$	63,475	$	46,642	$	88,744

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

	30 - 59			60 - 89			90 or More
December 31, 2019	Days			Days			Days			Total			Total
(dollars in thousands)	Delinquent			Delinquent			Delinquent*			Delinquent**			Current		Total
Traditional Banking:
Residential real estate:
Owner occupied	$	1,460		$	1,153		$	1,821		$	4,434		$	945,134	$	949,568
Nonowner occupied		—			—			539			539			258,264		258,803
Commercial real estate		155			—			3,145			3,300			1,299,700		1,303,000
Construction & land development		—			—			—			—			159,702		159,702
Commercial & industrial		200			128			1,027			1,355			475,881		477,236
Lease financing receivables		—			—			—			—			14,040		14,040
Home equity		1,810			166			942			2,918			290,268		293,186
Consumer:
Credit cards		80			75			—			155			17,681		17,836
Overdrafts		278			4			1			283			1,239		1,522
Automobile loans		16			15			18			49			52,874		52,923
Other consumer		2			6			1			9			68,106		68,115
Total Traditional Banking		4,001			1,547			7,494			13,042			3,582,889		3,595,931
Warehouse lines of credit		—			—			—			—			717,458		717,458
Total Core Banking		4,001			1,547			7,494			13,042			4,300,347		4,313,389
Republic Processing Group:
Tax Refund Solutions:
Easy Advances		—			—			—			—			—		—
Other TRS loans		35			31			53			119			14,246		14,365
Republic Credit Solutions		6,054			1,485			104			7,643			97,754		105,397
Total Republic Processing Group		6,089			1,516			157			7,762			112,000		119,762
Total	$	10,090		$	3,063		$	7,651		$	20,804		$	4,412,347	$	4,433,151
Delinquency ratio***		0.23	%		0.07	%		0.17	%		0.47	%

*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.

***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		$	996,307	$	1,001,832
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 small-dollar 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 divided by total loans.

Schedule of Bank's impaired loans

Years Ended December 31,  (in thousands)	2019		2018		2017
Loans with no allocated Allowance	$	33,061	$	19,555	$	18,540
Loans with allocated Allowance		17,289		21,880		27,076
Total recorded investment in impaired loans	$	50,350	$	41,435	$	45,616
Amount of the allocated Allowance	$	2,512	$	3,764	$	4,685
Average of individually impaired loans during the year		45,400		45,620		47,361
Interest income recognized during impairment		1,342		1,245		1,392
Cash basis interest income recognized		—		—		—

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
December 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	$	1,207	$	3,337	$	185	$	4,729	$	25,384	$	922,764	$	1,420	$	—	$	949,568		0.50	%
Nonowner occupied		—		1,737		—		1,737		1,448		257,355		—		—		258,803		0.67
Commercial real estate		426		10,054		6		10,486		15,144		1,287,225		631		—		1,303,000		0.80
Construction & land development		—		2,152		—		2,152		198		159,504		—		—		159,702		1.35
Commercial & industrial		22		2,860		—		2,882		1,989		475,225		—		22		477,236		0.60
Lease financing receivables		—		147		—		147		—		14,040		—		—		14,040		1.05
Home equity		174		2,547		—		2,721		3,276		289,900		10		—		293,186		0.93
Consumer:
Credit cards		—		1,020		—		1,020		—		17,836		—		—		17,836		5.72
Overdrafts		—		1,169		—		1,169		—		1,522		—		—		1,522		76.81
Automobile loans		43		569		—		612		247		52,676		—		—		52,923		1.16
Other consumer		333		217		—		550		350		67,762		2		1		68,115		0.81
Total Traditional Banking		2,205		25,809		191		28,205		48,036		3,545,809		2,063		23		3,595,931		0.78
Warehouse lines of credit		—		1,794		—		1,794		—		717,458		—		—		717,458		0.25
Total Core Banking		2,205		27,603		191		29,999		48,036		4,263,267		2,063		23		4,313,389		0.70
Republic Processing Group:
Tax Refund Solutions:
Easy Advances		—		—		—		—		—		—		—		—		—		—
Other TRS loans		—		234		—		234		—		14,365		—		—		14,365		1.63
Republic Credit Solutions		116		13,002		—		13,118		251		105,146		—		—		105,397		12.45
Total Republic Processing Group		116		13,236		—		13,352		251		119,511		—		—		119,762		11.15
Total	$	2,321	$	40,839	$	191	$	43,351	$	48,287	$	4,382,778	$	2,063	$	23	$	4,433,151		0.98	%

	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	$	3,602	$	381	$	6,035	$	25,242	$	974,945	$	1,645	$	—	$	1,001,832		0.60	%
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						Year Ended
	December 31, 2019						December 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	$	14,768	$	13,893	$	—	$	12,655	$	191	$	—
Nonowner occupied		1,515		1,448		—		1,425		57		—
Commercial real estate		15,028		12,547		—		7,514		298		—
Construction & land development		198		198		—		65		2		—
Commercial & industrial		3,308		1,792		—		913		35		—
Lease financing receivables		—		—		—		—		—		—
Home equity		3,107		3,023		—		2,140		75		—
Consumer		206		160		—		76		4		—
Impaired loans with allocated Allowance:
Residential real estate:
Owner occupied		12,954		12,911		1,392		13,824		502		—
Nonowner occupied		—		—		—		108		—		—
Commercial real estate		3,228		3,228		432		3,624		151		—
Construction & land development		—		—		—		30		—		—
Commercial & industrial		197		197		22		2,054		3		—
Lease financing receivables		—		—		—		—		—		—
Home equity		263		263		174		417		8		—
Consumer		701		690		492		555		16		—
Total impaired loans	$	55,473	$	50,350	$	2,512	$	45,400	$	1,342	$	—

	As of						Year Ended
	December 31, 2018						December 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	$	12,058	$	11,085	$	—	$	11,202	$	198	$	—
Nonowner occupied		2,729		2,350		—		2,561		87		—
Commercial real estate		5,688		4,607		—		5,040		151		—
Construction & land development		—		—		—		119		—		—
Commercial & industrial		712		604		—		755		3		—
Lease financing receivables		—		—		—		—		—		—
Home equity		919		876		—		682		17		—
Consumer		33		33		—		49		2		—
Impaired loans with allocated Allowance:
Residential real estate:
Owner occupied		16,215		15,802		2,433		17,754		528		—
Nonowner occupied		78		56		4		136		—		—
Commercial real estate		4,416		4,416		303		5,495		206		—
Construction & land development		65		65		4		113		3		—
Commercial & industrial		416		416		130		158		19		—
Lease financing receivables		—		—		—		—		—		—
Home equity		572		571		360		925		9		—
Consumer		554		554		530		631		22		—
Total impaired loans	$	44,455	$	41,435	$	3,764	$	45,620	$	1,245	$	—

	As of						Year Ended
	December 31, 2017						December 31, 2017
											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	$	11,664	$	10,789	$	—	$	11,253	$	179	$	—
Non owner occupied		1,784		1,704		—		1,526		86		—
Commercial real estate		5,504		4,430		—		4,863		71		—
Construction & land development		591		591		—		565		29		—
Commercial & industrial		20		20		—		116		4		—
Lease financing receivables		—		—		—		—		—		—
Home equity		1,071		981		—		1,205		11		—
Consumer		25		25		—		62		1		—
Impaired loans with allocated Allowance:
Residential real estate:
Owner occupied		18,676		18,654		2,681		20,212		655		—
Non owner occupied		361		358		6		416		14		—
Commercial real estate		6,124		6,124		455		5,501		294		—
Construction & land development		142		142		107		209		3		—
Commercial & industrial		288		288		288		225		8		—
Lease financing receivables		—		—		—		—		—		—
Home equity		743		743		536		820		17		—
Consumer		767		767		612		388		20		—
Total impaired loans	$	47,760	$	45,616	$	4,685	$	47,361	$	1,392	$	—

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
December 31, 2019 (dollars in thousands)	Loans	Investment		Loans	Investment		Loans	Investment
Residential real estate	53	$	4,402	141	$	15,368	194	$	19,770
Commercial real estate	4		4,040	9		4,885	13		8,925
Construction & land development	—		—	1		54	1		54
Commercial & industrial	4		1,424	3		22	7		1,446
Consumer	—		—	1,613		586	1,613		586
Total troubled debt restructurings	61	$	9,866	1,767	$	20,915	1,828	$	30,781

	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
December 31, 2019 (dollars in thousands)	Loans	Investment		Loans	Investment		Loans	Investment
Residential real estate loans (including home equity loans):
Interest only payments	1	$	904	—	$	—	1	$	904
Rate reduction	118		13,847	5		352	123		14,199
Principal deferral	8		845	2		179	10		1,024
Legal modification	54		3,200	6		443	60		3,643
Total residential TDRs	181		18,796	13		974	194		19,770
Commercial related and construction/land development loans:
Interest only payments	3		1,568	—		—	3		1,568
Rate reduction	3		1,207	1		45	4		1,252
Principal deferral	11		5,981	1		597	12		6,578
Legal modification	—		—	2		1,027	2		1,027
Total commercial TDRs	17		8,756	4		1,669	21		10,425
Consumer loans:
Principal deferral	1,612		577	—		—	1,612		577
Legal modification	1		9	—		—	1		9
Total consumer TDRs	1,613		586	—		—	1,613		586
Total troubled debt restructurings	1,811	$	28,138	17	$	2,643	1,828	$	30,781

	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
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
December 31, 2019 (dollars in thousands)	Loans	Investment		Loans	Investment		Loans	Investment
Residential real estate loans (including home equity loans):
Rate reduction	1	$	365	—	$	—	1	$	365
Principal deferral	—		—	—		—	—		—
Legal modification	26		1,958	5		417	31		2,375
Total residential TDRs	27		2,323	5		417	32		2,740
Commercial related and construction/land development loans:
Interest only payments	2		1,423	—		—	2		1,423
Principal deferral	4		3,199	—		—	4		3,199
Legal modification	—		—	2		1,027	2		1,027
Total commercial TDRs	6		4,622	2		1,027	8		5,649
Consumer loans:
Principal deferral	1,279		201	—		—	1,279		201
Legal modification	1		9	—		—	1		9
Total consumer TDRs	1,280		210	—		—	1,280		210
Total troubled debt restructurings	1,313	$	7,155	7	$	1,444	1,320	$	8,599

	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	2		465	—		—	2		465
Principal deferral	3		43	3		1,849	6		1,892
Legal modification	7		121	1		18	8		139
Total residential TDRs	12		629	5		2,837	17		3,466
Commercial related and construction/land development loans:
Principal deferral	6		1,402	—		—	6		1,402
Legal modification	—		—	1		28	1		28
Total commercial TDRs	6		1,402	1		28	7		1,430
Consumer loans:
Principal deferral	1		52	—		—	1		52
Total consumer TDRs	1		52	—		—	1		52
Total troubled debt restructurings	19	$	2,083	6	$	2,865	25	$	4,948

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

	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	1	$	219	—	$	—	1	$	219
Rate reduction	4		1,013	—		—	4		1,013
Legal modification	6		351	2		197	8		548
Total residential TDRs	11		1,583	2		197	13		1,780
Commercial related and construction/land development loans:
Principal deferral	2		266	—		—	2		266
Total commercial TDRs	2		266	—		—	2		266
Consumer loans:
Principal deferral	830		637	—		—	830		637
Total consumer TDRs	830		637	—		—	830		637
Total troubled debt restructurings	843	$	2,486	2	$	197	845	$	2,683

The table above is inclusive of loans that were TDRs at the end of previous years and were re-modified, e.g., a maturity date extension during the current year.

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

	2019			2018			2017
	Number of	Recorded		Number of	Recorded		Number of	Recorded
Years Ended December 31,  (dollars in thousands)	Loans	Investment		Loans	Investment		Loans	Investment
Residential real estate:
Owner occupied	4	$	248	6	$	2,920	2	$	197
Commercial real estate	1		541	1		28	—		—
Commercial & industrial	2		1,027	—		—	—		—
Consumer	1,279		201	—		—	823		129
Total	1,286	$	2,017	7	$	2,948	825	$	326

Schedule of carrying amount of foreclosed properties held

December 31,  (in thousands)	2019		2018
Residential real estate	$	113	$	160
Total other real estate owned	$	113	$	160

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

December 31,  (in thousands)	2019		2018
Recorded investment in consumer residential real estate mortgage loans in the process of foreclosure	$	2,201	$	3,293

Schedule of Easy Advances

Years Ended December 31,  (dollars in thousands)	2019			2018			2017
Easy Advances originated	$	388,970		$	430,210		$	328,523
Net charge to the Provision for Easy Advances		10,643			10,760			6,789
Provision to total Easy Advances originated		2.74	%		2.50	%		2.07	%
Easy Advances net charge-offs	$	10,643		$	10,760		$	6,789
Easy Advances net charge-offs to total Easy Advances originated		2.74	%		2.50	%		2.07	%