LOANS AND ALLOWANCE FOR LOAN AND LEASE LOSSES (Tables)

6 Months Ended

Jun. 30, 2020

Loans and allowance for loan and losses

Schedule of composition of loan portfolio

(in thousands)	June 30, 2020		December 31, 2019
Traditional Banking:
Residential real estate:
Owner occupied	$	885,325	$	949,568
Nonowner occupied		254,700		258,803
Commercial real estate		1,322,290		1,303,000
Construction & land development		157,254		159,702
Commercial & industrial*		904,727		477,236
Lease financing receivables		11,864		14,040
Home equity		265,266		293,186
Consumer:
Credit cards		14,265		17,836
Overdrafts		488		1,522
Automobile loans		41,059		52,923
Other consumer		78,585		68,115
Total Traditional Banking		3,935,823		3,595,931
Warehouse lines of credit**		1,029,779		717,458
Total Core Banking		4,965,602		4,313,389
Republic Processing Group**:
Tax Refund Solutions:
Easy Advances		—		—
Other TRS loans		289		14,365
Republic Credit Solutions		99,201		105,397
Total Republic Processing Group		99,490		119,762
Total loans***		5,065,092		4,433,151
Allowance for credit losses		(55,097)		(43,351)
Total loans, net	$	5,009,995	$	4,389,800

*Includes $511 million of PPP loans at June 30, 2020.

**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, 2020		December 31, 2019
Contractually receivable	$	5,063,496	$	4,432,351
Unearned income		(944)		(1,139)
Unamortized premiums		279		366
Unaccreted discounts		(1,157)		(2,534)
Net unamortized deferred origination fees and costs		3,418		4,107
Carrying value of loans	$	5,065,092	$	4,433,151

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

											Revolving Loans		Revolving Loans
(in thousands)	Term Loans Amortized Cost Basis by Origination Year										Amortized		Converted
As of June 30, 2020	2020		2019		2018		2017		Prior		Cost Basis		to Term		Total
Residential real estate owner occupied:
Risk Rating
Pass or not rated	$	90,354	$	166,133	$	108,759	$	87,604	$	404,104	$	—	$	—	$	856,954
Special Mention		—		—		46		1,627		9,826		—		—		11,499
Substandard		—		1,543		822		691		13,816		—		—		16,872
Doubtful		—		—		—		—		—		—		—		—
Total	$	90,354	$	167,676	$	109,627	$	89,922	$	427,746	$	—	$	—	$	885,325
Residential real estate nonowner occupied:
Risk Rating
Pass or not rated	$	23,599	$	74,957	$	52,683	$	50,441	$	51,297	$	—	$	—	$	252,977
Special Mention		300		—		—		—		158		—		—		458
Substandard		—		539		—		—		726		—		—		1,265
Doubtful		—		—		—		—		—		—		—		—
Total	$	23,899	$	75,496	$	52,683	$	50,441	$	52,181	$	—	$	—	$	254,700
Commercial real estate:
Risk Rating
Pass or not rated	$	116,710	$	328,746	$	209,251	$	217,425	$	398,039	$	—	$	36,887	$	1,307,058
Special Mention		878		—		—		—		2,883		—		2,846		6,607
Substandard		2,964		—		—		1,222		4,439		—		—		8,625
Doubtful		—		—		—		—		—		—		—		—
Total	$	120,552	$	328,746	$	209,251	$	218,647	$	405,361	$	—	$	39,733	$	1,322,290
Construction and land development:
Risk Rating
Pass or not rated	$	55,961	$	55,460	$	16,050	$	11,719	$	15,455	$	—	$	—	$	154,645
Special Mention		—		2,421		—		—		—		—		—		2,421
Substandard		—		188		—		—		—		—		—		188
Doubtful		—		—		—		—		—		—		—		—
Total	$	55,961	$	58,069	$	16,050	$	11,719	$	15,455	$	—	$	—	$	157,254
Commercial and industrial:
Risk Rating
Pass or not rated	$	594,084	$	149,970	$	50,438	$	49,358	$	56,571	$	2,087	$	—	$	902,508
Special Mention		450		—		150		—		35		—		—		635
Substandard		21		490		118		—		201		754		—		1,584
Doubtful		—		—		—		—		—		—		—		—
Total	$	594,555	$	150,460	$	50,706	$	49,358	$	56,807	$	2,841	$	—	$	904,727
Lease financing receivables:
Risk Rating
Pass or not rated	$	711	$	4,602	$	2,510	$	3,232	$	809	$	—	$	—	$	11,864
Special Mention		—		—		—		—		—		—		—		—
Substandard		—		—		—		—		—		—		—		—
Doubtful		—		—		—		—		—		—		—		—
Total	$	711	$	4,602	$	2,510	$	3,232	$	809	$	—	$	—	$	11,864
Home equity:
Risk Rating
Pass or not rated	$	—	$	—	$	—	$	—	$	—	$	262,318	$	—	$	262,318
Special Mention		—		—		—		—		—		128		—		128
Substandard		—		—		—		—		—		2,820		—		2,820
Doubtful		—		—		—		—		—		—		—		—
Total	$	—	$	—	$	—	$	—	$	—	$	265,266	$	—	$	265,266
Consumer:
Risk Rating
Pass or not rated	$	17,151	$	48,923	$	29,201	$	11,644	$	12,524	$	14,402	$	—	$	133,845
Special Mention		—		—		—		—		—		11		—		11
Substandard		—		38		64		199		240		—		—		541
Doubtful		—		—		—		—		—		—		—		—
Total	$	17,151	$	48,961	$	29,265	$	11,843	$	12,764	$	14,413	$	—	$	134,397

											Revolving Loans		Revolving Loans
(in thousands)	Term Loans Amortized Cost Basis by Origination Year (Continued)										Amortized		Converted
As of June 30, 2020	2020		2019		2018		2017		Prior		Cost Basis		to Term		Total
Warehouse:
Risk Rating
Pass or not rated	$	—	$	—	$	—	$	—	$	—	$	1,029,779	$	—	$	1,029,779
Special Mention		—		—		—		—		—		—		—		—
Substandard		—		—		—		—		—		—		—		—
Doubtful		—		—		—		—		—		—		—		—
Total	$	—	$	—	$	—	$	—	$	—	$	1,029,779	$	—	$	1,029,779
TRS:
Risk Rating
Pass or not rated	$	—	$	—	$	—	$	—	$	—	$	77	$	—	$	77
Special Mention		—		—		—		—		—		—		—		—
Substandard		—		—		—		—		—		212		—		212
Doubtful		—		—		—		—		—		—		—		—
Total	$	—	$	—	$	—	$	—	$	—	$	289	$	—	$	289
RCS:
Risk Rating
Pass or not rated	$	7,098	$	8,596	$	3,622	$	1,677	$	2,779	$	74,734	$	—	$	98,506
Special Mention		—		—		—		—		—		—		—		—
Substandard		—		—		—		—		—		695		—		695
Doubtful		—		—		—		—		—		—		—		—
Total	$	7,098	$	8,596	$	3,622	$	1,677	$	2,779	$	75,429	$	—	$	99,201
Grand Total:
Risk Rating
Pass or not rated	$	905,668	$	837,387	$	472,514	$	433,100	$	941,578	$	1,383,397	$	36,887	$	5,010,531
Special Mention		1,628		2,421		196		1,627		12,902		139		2,846		21,759
Substandard		2,985		2,798		1,004		2,112		19,422		4,481		—		32,802
Doubtful		—		—		—		—		—		—		—		—
Grand Total	$	910,281	$	842,606	$	473,714	$	436,839	$	973,902	$	1,388,017	$	39,733	$	5,065,092

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

*The above table excludes all non-classified residential real estate, home equity and consumer loans.

Schedule of activity in the allowance for loan and lease losses

	ACLL Rollforward
	Three Months Ended June 30,
	2020										2019
	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	$	9,387	$	(127)	$	—	$	43	$	9,303	$	5,801	$	(442)	$	(367)	$	221	$	5,213
Nonowner occupied		2,165		107		—		2		2,274		1,720		48		(1)		8		1,775
Commercial real estate		13,381		3,187		(270)		2		16,300		10,235		329		—		2		10,566
Construction & land development		4,536		404		—		—		4,940		2,443		467		—		—		2,910
Commercial & industrial		2,541		15		(192)		41		2,405		3,235		983		—		3		4,221
Lease financing receivables		133		(8)		—		—		125		150		31		—		—		181
Home equity		5,290		(178)		—		12		5,124		3,337		(221)		—		8		3,124
Consumer:
Credit cards		978		16		(71)		5		928		1,079		14		(76)		11		1,028
Overdrafts		758		(189)		(159)		78		488		892		250		(299)		51		894
Automobile loans		546		(74)		—		1		473		768		(61)		—		1		708
Other consumer		839		(49)		(8)		35		817		512		29		(48)		56		549
Total Traditional Banking		40,554		3,104		(700)		219		43,177		30,172		1,427		(791)		361		31,169
Warehouse lines of credit		2,126		449		—		—		2,575		1,397		417		—		—		1,814
Total Core Banking		42,680		3,553		(700)		219		45,752		31,569		1,844		(791)		361		32,983
Republic Processing Group:
Tax Refund Solutions:
Easy Advances		15,270		4,305		(19,575)		—		—		13,381		39		(13,425)		5		—
Other TRS loans		95		143		(28)		1		211		149		353		(264)		(6)		232
Republic Credit Solutions		12,386		(1,443)		(2,008)		199		9,134		12,862		2,224		(2,683)		365		12,768
Total Republic Processing Group		27,751		3,005		(21,611)		200		9,345		26,392		2,616		(16,372)		364		13,000
Total	$	70,431	$	6,558	$	(22,311)	$	419	$	55,097	$	57,961	$	4,460	$	(17,163)	$	725	$	45,983

	ACLL Rollforward
	Six Months Ended June 30,
	2020												2019
	Beginning		ASC 326				Charge-				Ending		Beginning				Charge-				Ending
(in thousands)	Balance		Adoption		Provision		offs		Recoveries		Balance		Balance		Provision		offs		Recoveries		Balance
Traditional Banking:
Residential real estate:
Owner occupied	$	4,729	$	4,199	$	320	$	(27)	$	82	$	9,303	$	6,035	$	(697)	$	(384)	$	259	$	5,213
Nonowner occupied		1,737		148		385		—		4		2,274		1,662		178		(73)		8		1,775
Commercial real estate		10,486		273		5,338		(270)		473		16,300		10,030		532		—		4		10,566
Construction & land development		2,152		1,447		1,341		—		—		4,940		2,555		355		—		—		2,910
Commercial & industrial		2,882		(1,318)		989		(192)		44		2,405		2,873		1,343		—		5		4,221
Lease financing receivables		147		—		(22)		—		—		125		158		23		—		—		181
Home equity		2,721		1,652		664		—		87		5,124		3,477		(378)		(13)		38		3,124
Consumer:
Credit cards		1,020		33		38		(177)		14		928		1,140		79		(226)		35		1,028
Overdrafts		1,169		—		(311)		(503)		133		488		1,102		269		(593)		116		894
Automobile loans		612		(7)		(153)		(8)		29		473		724		(23)		—		7		708
Other consumer		550		307		(142)		(45)		147		817		591		(65)		(114)		137		549
Total Traditional Banking		28,205		6,734		8,447		(1,222)		1,013		43,177		30,347		1,616		(1,403)		609		31,169
Warehouse lines of credit		1,794		—		781		—		—		2,575		1,172		642		—		—		1,814
Total Core Banking		29,999		6,734		9,228		(1,222)		1,013		45,752		31,519		2,258		(1,403)		609		32,983
Republic Processing Group:
Tax Refund Solutions:
Easy Advances		—		—		19,533		(19,575)		42		—		—		13,420		(13,425)		5		—
Other TRS loans		234		—		48		(72)		1		211		107		406		(281)		—		232
Republic Credit Solutions		13,118		—		263		(4,717)		470		9,134		13,049		5,607		(6,507)		619		12,768
Total Republic Processing Group		13,352		—		19,844		(24,364)		513		9,345		13,156		19,433		(20,213)		624		13,000
Total	$	43,351	$	6,734	$	29,072	$	(25,586)	$	1,526	$	55,097	$	44,675	$	21,691	$	(21,616)	$	1,233	$	45,983

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

(dollars in thousands)	June 30, 2020			December 31, 2019
Loans on nonaccrual status*	$	19,884		$	23,332
Loans past due 90-days-or-more and still on accrual**		535			157
Total nonperforming loans		20,419			23,489
Other real estate owned		2,194			113
Total nonperforming assets	$	22,613		$	23,602
Credit Quality Ratios - Total Company:
Nonperforming loans to total loans		0.40	%		0.53	%
Nonperforming assets to total loans (including OREO)		0.45			0.53
Nonperforming assets to total assets		0.35			0.42
Credit Quality Ratios - Core Bank:
Nonperforming loans to total loans		0.40	%		0.54	%
Nonperforming assets to total loans (including OREO)		0.44			0.54
Nonperforming assets to total assets		0.36			0.43

* Loans on nonaccrual status include collateral-dependent 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

					Past Due 90-Days-or-More
	Nonaccrual				and Still Accruing Interest*
(in thousands)	June 30, 2020		December 31, 2019		June 30, 2020		December 31, 2019
Traditional Banking:
Residential real estate:
Owner occupied	$	14,106	$	12,220	$	—	$	—
Nonowner occupied		952		623		—		—
Commercial real estate		881		6,865		—		—
Construction & land development		—		143		—		—
Commercial & industrial		1,563		1,424		—		—
Lease financing receivables		—		—		—		—
Home equity		2,209		1,865		—		—
Consumer:
Credit cards		—		—		—		—
Overdrafts		—		—		—		—
Automobile loans		152		179		—		—
Other consumer		21		13		—		—
Total Traditional Banking		19,884		23,332		—		—
Warehouse lines of credit		—		—		—		—
Total Core Banking		19,884		23,332		—		—
Republic Processing Group:
Tax Refund Solutions:
Easy Advances		—		—		—		—
Other TRS loans		—		—		182		53
Republic Credit Solutions		—		—		353		104
Total Republic Processing Group		—		—		535		157
Total	$	19,884	$	23,332	$	535	$	157

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

							Three Months Ended		Six Months Ended
	As of June 30, 2020						June 30, 2020		June 30, 2020
	Nonaccrual		Nonaccrual		Total		Interest Income		Interest Income
	Loans with		Loans without		Nonaccrual		Recognized		Recognized
(in thousands)	ACLL		ACLL		Loans		on Nonaccrual Loans*		on Nonaccrual Loans*
Residential real estate:
Owner occupied	$	2,999	$	11,107	$	14,106	$	169	$	380
Nonowner occupied		—		952		952		2		4
Commercial real estate		611		270		881		13		686
Construction & land development		—		—		—		—		—
Commercial & industrial		—		1,563		1,563		3		9
Lease financing receivables		—		—		—		—		—
Home equity		133		2,076		2,209		14		14
Consumer		107		66		173		2		2
Total	$	3,850	$	16,034	$	19,884	$	203	$	1,095

* Includes interest income for loans on nonaccrual loans as of the beginning of the period that were paid off during the period.

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

	30 - 59			60 - 89			90 or More
June 30, 2020	Days			Days			Days			Total			Total
(dollars in thousands)	Delinquent			Delinquent			Delinquent*			Delinquent**			Current		Total
Traditional Banking:
Residential real estate:
Owner occupied	$	1,527		$	576		$	2,111		$	4,214		$	881,111	$	885,325
Nonowner occupied		—			—			539			539			254,161		254,700
Commercial real estate		—			—			543			543			1,321,747		1,322,290
Construction & land development		—			—			—			—			157,254		157,254
Commercial & industrial		—			490			872			1,362			903,365		904,727
Lease financing receivables		—			—			—			—			11,864		11,864
Home equity		397			23			633			1,053			264,213		265,266
Consumer:
Credit cards		2			5			—			7			14,258		14,265
Overdrafts		91			3			—			94			394		488
Automobile loans		—			12			15			27			41,032		41,059
Other consumer		3			19			—			22			78,563		78,585
Total Traditional Banking		2,020			1,128			4,713			7,861			3,927,962		3,935,823
Warehouse lines of credit		—			—			—			—			1,029,779		1,029,779
Total Core Banking		2,020			1,128			4,713			7,861			4,957,741		4,965,602
Republic Processing Group:
Tax Refund Solutions:
Easy Advances		—			—			—			—			—		—
Other TRS loans		—			77			182			259			30		289
Republic Credit Solutions		4,371			1,202			353			5,926			93,275		99,201
Total Republic Processing Group		4,371			1,279			535			6,185			93,305		99,490
Total	$	6,391		$	2,407		$	5,248		$	14,046		$	5,051,046	$	5,065,092
Delinquency ratio***		0.13	%		0.05	%		0.10	%		0.28	%

*       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, 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 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 amortized cost basis of collateral-dependent loans

	Secured		Secured
June 30, 2020	by Real		by Personal
(dollars in thousands)	Estate		Property
Traditional Banking:
Residential real estate:
Owner occupied	$	17,044	$	—
Nonowner occupied		1,423		—
Commercial real estate		8,571		—
Construction & land development		138		—
Commercial & industrial		—		1,601
Lease financing receivables		—		—
Home equity		2,841		—
Consumer		—		523
Total Traditional Banking	$	30,017	$	2,124

Schedule of Bank's impaired loans

(in thousands)	December 31, 2019
Loans with no allocated ACLL	$	33,061
Loans with allocated ACLL		17,289
Total recorded investment in impaired loans	$	50,350
Amount of ACLL allocated	$	2,512

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

	Allowance for Credit Losses on Loans								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	%

Schedule of loans individually evaluated for impairment by class of loans

	As of						Three Months Ended						Six Months Ended
	December 31, 2019						June 30, 2019						June 30, 2019
											Cash Basis						Cash Basis
	Unpaid						Average		Interest		Interest		Average		Interest		Interest
	Principal		Recorded		Allocated		Recorded		Income		Income		Recorded		Income		Income
(in thousands)	Balance		Investment		ACLL		Investment		Recognized		Recognized		Investment		Recognized		Recognized
Impaired loans with no allocated ACLL:
Residential real estate:
Owner occupied	$	14,768	$	13,893	$	—	$	11,768	$	70	$	—	$	11,540	$	139	$	—
Nonowner occupied		1,515		1,448		—		1,424		17		—		1,733		34		—
Commercial real estate		15,028		12,547		—		3,573		23		—		3,917		47		—
Construction & land development		198		198		—		30		1		—		20		1		—
Commercial & industrial		3,308		1,792		—		622		—		—		616		—		—
Lease financing receivables		—		—		—		—		—		—		—		—		—
Home equity		3,107		3,023		—		1,591		12		—		1,352		23		—
Consumer		206		160		—		27		1		—		28		1		—
Impaired loans with allocated ACLL:
Residential real estate:
Owner occupied		12,954		12,911		1,392		14,464		121		—		14,910		240		—
Nonowner occupied		—		—		—		216		41		—		162		—		—
Commercial real estate		3,228		3,228		432		3,951		—		—		4,106		83		—
Construction & land development		—		—		—		32		—		—		43		—		—
Commercial & industrial		197		197		22		2,662		7		—		1,913		15		—
Lease financing receivables		—		—		—		—		—		—		—		—		—
Home equity		263		263		174		480		2		—		510		4		—
Consumer		701		690		492		505		4		—		520		10		—
Total impaired loans	$	55,473	$	50,350	$	2,512	$	41,345	$	299	$	—	$	41,370	$	597	$	—

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, 2020 (dollars in thousands)	Loans	Investment		Loans	Investment		Loans	Investment
Residential real estate	60	$	4,684	130	$	12,901	190	$	17,585
Commercial real estate	2		271	6		6,788	8		7,059
Construction & land development	—		—	1		50	1		50
Commercial & industrial	2		319	5		807	7		1,126
Consumer	1		9	2,132		650	2,133		659
Total troubled debt restructurings	65	$	5,283	2,274	$	21,196	2,339	$	26,479

	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

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, 2020 (dollars in thousands)	Loans	Investment		Loans	Investment		Loans	Investment
Residential real estate loans (including home equity loans):
Interest only payments	1	$	862	—	$	—	1	$	862
Rate reduction	109		11,660	6		389	115		12,049
Principal deferral	8		835	1		163	9		998
Legal modification	56		3,111	9		565	65		3,676
Total residential TDRs	174		16,468	16		1,117	190		17,585
Commercial related and construction/land development loans:
Interest only payments	2		1,393	—		—	2		1,393
Rate reduction	3		1,110	1		45	4		1,155
Principal deferral	6		4,589	1		225	7		4,814
Legal modification	—		—	3		873	3		873
Total commercial TDRs	11		7,092	5		1,143	16		8,235
Consumer loans:
Principal deferral	2,130		301	1		341	2,131		642
Legal modification	2		17	—		—	2		17
Total consumer TDRs	2,132		318	1		341	2,133		659
Total troubled debt restructurings	2,317	$	23,878	22	$	2,601	2,339	$	26,479

	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

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
June 30, 2020 (dollars in thousands)	Loans	Investment		Loans	Investment		Loans	Investment
Residential real estate loans (including home equity loans):
Legal modification	5	$	161	1	$	109	6	$	270
Total residential TDRs	5		161	1		109	6		270
Consumer loans:
Principal deferral	884		141	—		—	884		141
Legal modification	—		—	1		118	1		118
Total consumer TDRs	884		141	1		118	885		259
Total troubled debt restructurings	889	$	302	2	$	227	891	$	529

	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, 2019 (dollars in thousands)	Loans	Investment		Loans	Investment		Loans	Investment
Residential real estate loans (including home equity loans):
Principal deferral	—	$	—	—	$	—	—	$	—
Legal modification	7		804	2		161	9		965
Total residential TDRs	7		804	2		161	9		965
Commercial related and construction/land development loans:
Principal deferral	—		—	2		4,426	2		4,426
Total commercial TDRs	—		—	2		4,426	2		4,426
Total troubled debt restructurings	7	$	804	4	$	4,587	11	$	5,391

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.

	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, 2020 (dollars in thousands)	Loans	Investment		Loans	Investment		Loans	Investment
Residential real estate loans (including home equity loans):
Legal modification	8	$	283	2	$	113	10	$	396
Total residential TDRs	8		283	2		113	10		396
Commercial related and construction/land development loans:
Principal deferral	1		21	—		—	1		21
Legal modification	—		—	1		118	1		118
Total commercial TDRs	1		21	1		118	2		139
Consumer loans:
Principal deferral	884		141	—		—	884		141
Legal modification	1		9	—		—	1		9
Total consumer TDRs	885		150	—		—	885		150
Total troubled debt restructurings	894	$	454	3	$	231	897	$	685

	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, 2019 (dollars in thousands)	Loans	Investment		Loans	Investment		Loans	Investment
Residential real estate loans (including home equity loans):
Principal deferral	1	$	6	—	$	—	1	$	6
Legal modification	11		901	3		211	14		1,112
Total residential TDRs	12		907	3		211	15		1,118
Commercial related and construction/land development loans:
Interest only payments	1		566	—		—	1		566
Principal deferral	2		26	—		—	2		26
Legal modification	—		—	2		4,426	2		4,426
Total commercial TDRs	3		592	2		4,426	5		5,018
Total troubled debt restructurings	15	$	1,499	5	$	4,637	20	$	6,136

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,
	2020			2019			2020			2019
		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	1	$	109	3	$	211	3	$	218	3	$	211
Commercial real estate	—		—	—		—	—		—	1		566
Commercial & industrial	1		118	2		4,426	1		118	2		4,426
Home equity	—		—	—		—	1		13	1		6
Consumer	—		—	—		—	1		9	—		—
Total	2	$	227	5	$	4,637	6	$	358	7	$	5,209

Schedule of carrying amount of foreclosed properties held

(in thousands)	June 30, 2020		December 31, 2019
Residential real estate	$	2,194	$	113
Total other real estate owned	$	2,194	$	113

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

(in thousands)	June 30, 2020		December 31, 2019
Recorded investment in consumer residential real estate mortgage loans in the process of foreclosure	$	3,595	$	2,201

Schedule of Easy Advances

	Three Months Ended				Six Months Ended
	June 30,				June 30,
(dollars in thousands)	2020		2019		2020			2019
Easy Advances originated	$	—	$	—	$	387,762		$	388,970
Net charge to the Provision for Easy Advances		4,305		39		19,533			13,420
Provision to total Easy Advances originated		NA		NA		5.04	%		3.45	%
Easy Advances net charge-offs	$	19,575	$	13,420	$	19,533		$	13,420
Easy Advances net charge-offs to total Easy Advances originated		NA		NA		5.04	%		3.45	%

Traditional Banking

Loans and allowance for loan and losses

Schedule of composition of loan portfolio

The following table presents the balances of loans in COVID-19 accommodations, the balance of PPP loans, and the remainder of the Traditional Bank’s loan portfolio by loan class as of June 30, 2020:

	COVID-19									Total
June 30, 2020 (dollars in thousands)	Accommodations			PPP Loans			Other Loans			Traditional Banking
Traditional Banking:
Residential real estate:
Owner occupied	$	51,570		$	—		$	833,755		$	885,325
Nonowner occupied		58,754			—			195,946			254,700
Commercial real estate		491,314			—			830,976			1,322,290
Commercial & industrial		141,720			511,065			251,942			904,727
Construction & land development		28,927			—			128,327			157,254
Lease financing receivables		2,443			—			9,421			11,864
Home equity		13,776			—			251,490			265,266
Consumer		4,678			—			129,719			134,397
Total Traditional Banking	$	793,182		$	511,065		$	2,631,576		$	3,935,823
Percent of Total Traditional Banking		20	%		13	%		67	%		100	%