On January 1, 2021, the Company adopted ASU 326. The FASB issued ASU 326 to replace the incurred loss model for loans and other financial assets with an expected loss model and requires consideration of a wider range of reasonable and supportable information to determine credit losses. In accordance with ASC 326, the Company has developed an ACL methodology, which replaces its previous allowance for loan losses methodology. All loan information presented as of June 30, 2021 is in accordance with ASC 326. All loan information presented prior to January 1, 2021 is in accordance with previous applicable GAAP. See the Company’s prior accounting policies in Note 1 “Summary of Significant Accounting Policies” of the 2020 Form 10-K.

The Company uses four different categories to classify loans in its portfolio based on the underlying collateral securing each loan. The loans grouped together in each category have been determined to share similar risk characteristics with respect to credit quality. Those four categories are commercial, financial and agriculture, commercial real estate, consumer real estate, consumer installment;

Commercial, financial and agriculture – Commercial, financial and agriculture loans include loans to business entities issued for commercial, industrial, or other business purposes. This type of commercial loan shares a similar risk characteristic in that unlike commercial real estate loans, repayment is largely dependent on cash flow generated from the operation of the business.

Commercial real estate – Commercial real estate loans are grouped as such because repayment is mainly dependent upon either the sale of the real estate, operation of the business occupying the real estate, or refinance of the debt obligation. This includes both owner-occupied and non-owner occupied CRE secured loans, because they share similar risk characteristics related to these variables.

Consumer real estate – Consumer real estate loans consist primarily of loans secured by 1-4 family residential properties and/or residential lots. This includes loans for the purpose of constructing improvements on the residential property, as well as home equity lines of credit.

Consumer installment – Installment and other loans are all loans issued to individuals that are not for any purpose related to operation of a business, and not secured by real estate. Repayment on these loans is mostly dependent on personal income, which may be impacted by general economic conditions.

The composition of the loan portfolio as of June 30, 2021 and December 31, 2020, is summarized below:

(1)	Loan balance includes $157.8 million and $239.7 million in PPP loans as of June 30, 2021 and December 31, 2020, respectively.

Accrued interest receivable is not included in the amortized cost basis of the Company’s LHFI. At June 30, 2021, accrued interest receivable for LHFI totaled $17.9 million with no related ACL and was reported in interest receivable on the accompanying consolidated balance sheet.

Nonaccrual and Past Due LHFI

Past due LHFI are loans contractually past due 30 days or more as to principal or interest payments. Generally, the Company will place a delinquent loan in nonaccrual status when the loan becomes 90 days or more past due. At the time a loan is placed in nonaccrual status, all interest which has been accrued on the loan but remains unpaid is reversed and deducted from earnings as a reduction of reported interest income. No additional interest is accrued on the loan balance until the collection of both principal and interest becomes reasonably certain.

The following tables presents the aging of the amortized cost basis in past due loans in addition to those loans classified as nonaccrual including PCD loans:


($ in thousands)	June 30, 2021
									Total
	Past Due		Past Due						Past Due,
	30 to 89		90 Days or More and						Nonaccrual		Total		Nonaccrual and
	Days		Still Accruing		Nonaccrual		PCD		and PCD		LHFI		PCD with No ACL
Commercial, financial and agriculture (1)	$	252	$	10	$	276	$	28	$	566	$	511,517	$	28
Commercial real estate		2,318		4,913		16,601		2,470		26,302		1,653,090		1,841
Consumer real estate		3,020		911		3,185		5,027		12,143		833,889		1,833
Consumer installment		130		—		36		2		168		38,236		—
Total	$	5,720	$	5,834	$	20,098	$	7,527	$	39,179	$	3,036,732	$	3,702

(1)	Total loan balance includes $157.8 million in PPP loans as of June 30, 2021.


($ in thousands)	December 31,2020
			Past Due 90						Total
	Past Due		Days or						Past Due,
	30 to 89		More and Still						Nonaccrual		Total
	Days		Accruing		Nonaccrual		PCI		and PCI		LHFI
Commercial, financial and agriculture (1)	$	1,007	$	244	$	2,197	$	221	$	3,669	$	579,443
Commercial real estate		2,116		1,553		19,499		3,388		26,556		1,652,993
Consumer real estate		5,389		895		2,480		5,954		14,718		850,206
Consumer installment		419		—		32		3		454		41,036
Total	$	8,931	$	2,692	$	24,208	$	9,566	$	45,397	$	3,123,678

(1)	Total loan balance as of December 31, 2020 includes $239.7 million in PPP loans.

Acquired Loans

On January 1, 2021, the Company adopted ASC 326 and elected to account for its existing acquired PCI loans as PCD loans included within the LHFI portfolio. The Company elected to maintain segments of loans that were previously accounted for under ASC 310-30 and will continue to account for these segments as a unit of account unless the loan is collateral dependent. PCD loans that are collateral dependent will be assessed individually. Loans are only removed from the existing segments if they are written off, paid off, or sold. Upon adoption of ASC 326, the ACL was determined for each segment and added to the band’s carrying amount to establish a new amortized cost basis. The difference between the unpaid principal balance of the segment and the new amortized cost basis was the noncredit discount of approximately $685 thousand, which will be accreted into interest income over the remaining life of the segment. Changes to the ACL after adoption are recorded through provision expense. As of June 30, 2021, the amortized cost of the Company’s PCD loans totaled $11.8 million, which had an estimated ACL of $1.3 million.

Prior to the adoption of FASB ASC 326, the Company acquired loans with deteriorated credit quality in 2014, 2017, 2018, 2019 and 2020. These loans were recorded at estimated fair value at the acquisition date with no carryover of the related allowance for loan losses. The acquired loans were segregated as of the acquisition date between those considered to be performing (acquired non-impaired loans) and those with evidence of credit deterioration (PCI loans). Acquired loans are considered to be impaired if it is probable, based on current available information, that the Company will be unable to collect all cash flows as expected. If expected cash flows cannot reasonably be estimated as to what will be collected, there will not be any interest income recognized on these loans.

Impaired LHFI

Prior to the adoption of FASB ASC 326, the Company individually evaluated impaired LHFI. The following table provides a detail of impaired loans broken out according to class as of December 31, 2020. The following table does not include PCI loans. The recorded investment included in the following table represents customer balances net of any partial charge-offs recognized on the loans, net of any deferred fees and costs. Recorded investment excludes any insignificant amount of accrued interest receivable on loans 90-days or more past due and still accruing. The unpaid balance represents the recorded balance prior to any partial charge-offs.

December 31, 2020


($ in thousands)							Average		Interest
							Recorded		Income
	Recorded		Unpaid		Related		Investment		Recognized
	Investment		Balance		Allowance		YTD		YTD
Impaired loans with no related allowance:
Commercial, financial and agriculture	$	—	$	—	$	—	$	198	$	—
Commercial real estate		5,884		6,087		—		11,433		47
Consumer real estate		712		758		—		790		5
Consumer installment		23		24		—		17		—
Total	$	6,619	$	6,869	$	—	$	12,438	$	52

Impaired loans with a related allowance:
Commercial, financial and agriculture	$	2,241	$	2,254	$	1,235	$	2,186	$	58
Commercial real estate		17,973		18,248		4,244		13,687		36
Consumer real estate		536		544		176		734		4
Consumer installment		26		26		14		86		—
Total	$	20,776	$	21,072	$	5,669	$	16,693	$	98

Total impaired loans:
Commercial, financial and agriculture	$	2,241	$	2,254	$	1,235	$	2,384	$	58
Commercial real estate		23,857		24,335		4,244		25,120		83
Consumer real estate		1,248		1,302		176		1,524		9
Consumer installment		49		50		14		103		—
Total Impaired Loans	$	27,395	$	27,941	$	5,669	$	29,131	$	150

The cash basis interest earned in the chart above is materially the same as the interest recognized during impairment for the year ended December 31, 2020.

The gross interest income that would have been recorded in the period that ended if the nonaccrual loans had been current in accordance with their original terms and had been outstanding throughout the period or since origination, if held for part of the six months ended June 30, 2020, was $758 thousand. The Company had no loan commitments to borrowers in nonaccrual status at June 30, 2021 or December 31, 2020.

Troubled Debt Restructurings

If the Company grants a concession to a borrower for economic or legal reasons related to a borrower’s financial difficulties that it would not otherwise consider, the loan is classified as TDRs.

In response to the Coronavirus Disease 2019 (“COVID-19”) pandemic and its economic impact to its customers, the Company implemented a short-term modification program in accordance with interagency regulatory guidance to provide temporary payment relief to those borrowers directly impacted by COVID-19 who were not more than 30 days past due at the time of the modification. This program allowed for a deferral of payments for up two successive 90-day periods for a cumulative maximum of 180 days. Pursuant to interagency guidance, such short-term deferrals are not deemed to meet the criteria for reporting as TDRs. For borrowers requiring a longer-term modification following the short-term loan modification program the Company worked with these borrowers whose loans were not more 30 days past due at December 31, 2019 and who required modification as a result of COVID-19 to modify such loans under Section 4013 of the Coronavirus Aid, Relief, and Economic Security (“CARES Act”).

As of June 30, 2021, and December 31, 2020, the Company had TDRs totaling $21.5 million and $27.5 million, respectively. As of June 30, 2021, the Company had no additional amount committed on any loan classified as TDR. As of June 30, 2021, TDRs had a related ACL of $3.0 million, compared to a related allowance for loan loss of $4.1 million at December 31, 2020.

The following table presents LHFI by class modified as TDRs that occurred during the three months and six months ended June 30, 2021 and 2020($ in thousands, except for number of loans).


	Three Months Ended June 30,
		Outstanding		Outstanding
		Recorded		Recorded
	Number of	Investment		Investment
2021	Loans	Pre-Modification		Post-Modification
Commercial, financial and agriculture	—	$	—	$	—
Commercial real estate	2		237		237
Consumer real estate	1		54		44
Consumer installment	—		—		—
Total	3	$	291	$	281

2020
Commercial, financial and agriculture	1	$	35	$	35
Commercial real estate	1		195		195
Consumer real estate	—		—		—
Consumer installment	—		—		—
Total	2	$	230	$	230

The TDRs presented above increased the ACL $21 thousand and increased the allowance for loan losses $11 thousand and resulted in no charge-offs for the three months period ended June 30, 2021 and 2020, respectively.


	Six Months Ended June 30,
		Outstanding		Outstanding
		Recorded		Recorded
	Number of	Investment		Investment
2021	Loans	Pre-Modification		Post-Modification
Commercial, financial and agriculture	—	$	—	$	—
Commercial real estate	2		237		237
Consumer real estate	1		54		44
Consumer installment	—		—		—
Total	3	$	291	$	281

2020
Commercial, financial and agriculture	2	$	47	$	46
Commercial real estate	3		933		928
Consumer real estate	—		—		—
Consumer installment	—		—		—
Total	5	$	980	$	974

The TDRs presented above increased the ACL $21 thousand and increased the allowance for loan loss $49 thousand and resulted in no charge-offs for the six months period ended June 30, 2021 and 2020,respectively.

The following table presents loans by class modified as TDRs for which there was a payment default within twelve months following the modification ($ in thousands, except for number of loans).


	Six Months Ended June 30,
	2021			2020
Troubled Debt Restructurings	Number of	Recorded		Number of	Recorded
That Subsequently Defaulted:	Loans	Investment		Loans	Investment

Commercial, financial and agriculture	—	$	—	2	$	254
Commercial real estate	3		1,027	9		15,083
Consumer real estate	1		44	—		—
Total	4	$	1,071	11	$	15,337

The modifications described above included one of the following or a combination of the following: maturity date extensions, interest only payments, amortizations were extended beyond what would be available on similar type loans, and payment waiver. No interest rate concessions were given on these loans nor were any of these loans written down. A loan is considered to be in a payment default once it is 30 days contractually past due under the modified terms. The TDRs presented above increased the ACL $238 thousand and the allowance for loan losses $2.4 million and resulted in no charge-offs for the six months period ended June 30, 2021 and 2020, respectively.

The following tables represents the Company’s TDRs at June 30, 2021 and December 31, 2020:


June 30, 2021					Past Due 90
	Current		Past Due		days and still
($ in thousands)	Loans		30‑89		accruing		Nonaccrual		Total
Commercial, financial and agriculture	$	41	$	—	$	—	$	149	$	190
Commercial real estate		3,502		—		—		13,376		16,878
Consumer real estate		2,371		—		—		2,037		4,408
Consumer installment		20		—		—		—		20
Total	$	5,934	$	—	$	—	$	15,562	$	21,496
Allowance for credit losses	$	62	$	—	$	—	$	2,927	$	2,989


December 31, 2020					Past Due 90
	Current		Past Due		days and still
($ in thousands)	Loans		30‑89		accruing		Nonaccrual		Total
Commercial, financial and agriculture	$	59	$	—	$	—	$	765	$	824
Commercial real estate		4,560		49		—		18,076		22,685
Consumer real estate		1,559		269		—		2,161		3,989
Consumer installment		23		3		—		—		26
Total	$	6,201	$	321	$	—	$	21,002	$	27,524
Allowance for loan losses	$	163	$	29	$	—	$	3,936	$	4,128

Collateral Dependent Loans

The following table presents the amortized cost basis of collateral dependent individually evaluated loans by class of loans as of June 30, 2021:


($ in thousands)	Real Property		Equipment		Miscellaneous		Total
Commercial, financial and agriculture	$	—	$	28	$	—	$	28
Commercial real estate		2,986		—		—		2,986
Consumer real estate		2,313		—		—		2,313
Consumer installment		—		—		2		2
Total	$	5,299	$	28	$	2	$	5,329

A loan is collateral dependent when the borrower is experiencing financial difficulty and repayment of the loan is expected to be provided substantially through the sale of the collateral. The following provides a qualitative description by class of loan of the collateral that secures the Company’s collateral-dependent LHFI:

●

Commercial, financial and agriculture – Loans within these loan classes are secured by equipment, inventory accounts, and other non-real estate collateral.

●

Commercial real estate – Loans within these loan classes are secured by commercial real property.

●

Consumer real estate - Loans within these loan classes are secured by consumer real property.

●

Consumer installment - Loans within these loan classes are secured by consumer goods, equipment, and non-real estate collateral.

There have been no significant changes to the collateral that secures these financial assets during the period.

Loan Participations

The Company has loan participations, which qualify as participating interest, with other financial institutions. As of June 30, 2021, these loans totaled $118.0 million, of which $71.5 million had been sold to other financial institutions and $46.5 million was retained by the Company. The loan participations convey proportionate ownership rights with equal priority to each participating interest holder; involving no recourse (other than ordinary representations and warranties) to, or subordination by, any participating interest holder; all cash flows are divided among the participating interest holders in proportion to each holder’s share of ownership; and no holder has the right to pledge the entire financial assets unless all participating interest holders agree.

Credit Quality Indicators

The Company categorizes loans into risk categories based on relevant information about the ability of borrowers to service their debt, such as current financial information, historical payment experience, credit documentation, public information, and current economic trends, among other factors. The Company analyzes loans individually to classify the loans as to credit risk. The Company uses the following definitions for risk ratings:

Pass: Loan classified as pass are deemed to possess average to superior credit quality, requiring no more than normal attention.

Special Mention: Loans classified as special mention have a potential weakness that deserves management’s close attention. If left uncorrected, these potential weaknesses may result in deterioration of the repayment prospects for the loan or of the Company’s credit position at some future date.

Substandard: Loans classified as substandard are inadequately protected by the current net worth and paying capacity of the obligor or of the collateral pledged, if any. Loans so classified have a well-defined weakness or weaknesses that jeopardize the liquidation of the debt. They are characterized by the distinct possibility that the institution will sustain some loss if the deficiencies are not corrected.

Doubtful: Loans classified as doubtful have all the weaknesses inherent in those classified as substandard, with the added characteristic that the weaknesses make collection or liquidation in full, on the basis of currently existing facts, conditions, and values, highly questionable and improbable.

These above classifications were the most current available as of June 30, 2021, and were generally updated within the prior year.

The tables below present the amortized cost basis of loans by credit quality indicator and class of loans based on the most recent analysis performed. Revolving loans converted to term as of the six months ended June 30, 2021 were not material to the total loan portfolio.


($ in thousands)	Term Loans Amortized Cost Basis by Origination Year
													Revolving
As of June 30, 2021	2021		2020		2019		2018		2017		Prior		Loans		Total
Commercial, financial and:
agriculture
Risk Rating
Pass	$	168,707	$	119,630	$	62,509	$	57,083	$	30,665	$	52,296	$	149	$	491,039
Special mention		—		258		1,385		424		340		215		—		2,622
Substandard		—		53		1,862		6,778		512		8,641		10		17,856
Doubtful		—		—		—		—		—		—		—		—
Total commercial, financial
and agriculture	$	168,707	$	119,941	$	65,756	$	64,285	$	31,517	$	61,152	$	159	$	511,517

Commercial real estate:
Risk Rating
Pass	$	184,689	$	348,150	$	243,816	$	221,733	$	161,793	$	372,118	$	—	$	1,532,299
Special mention		—		3,133		2,181		13,561		4,090		21,110		—		44,075
Substandard		188		4,756		3,465		17,583		20,076		30,648		—		76,716
Doubtful		—		—		—		—		—		—		—		—
Total commercial real estate	$	184,877	$	356,039	$	249,462	$	252,877	$	185,959	$	423,876	$	—	$	1,653,090

Consumer real estate:
Risk Rating
Pass	$	117,209	$	209,247	$	84,167	$	81,170	$	66,537	$	148,924	$	98,114	$	805,368
Special mention		—		—		342		1,129		242		2,206		125		4,044
Substandard		305		541		2,216		3,272		1,966		14,884		1,271		24,455
Doubtful		—		—		—		—		—		22		—		22
Total consumer real estate	$	117,514	$	209,788	$	86,725	$	85,571	$	68,745	$	166,036	$	99,510	$	833,889

Consumer installment:
Risk Rating
Pass	$	9,029	$	12,169	$	6,795	$	2,670	$	1,536	$	2,094	$	3,829	$	38,122
Special mention		—		—		—		10		3		1		—		14
Substandard		—		—		22		12		13		28		25		100
Doubtful		—		—		—		—		—		—		—		—
Total consumer installment	$	9,029	$	12,169	$	6,817	$	2,692	$	1,552	$	2,123	$	3,854	$	38,236

Total
Pass	$	479,634	$	689,196	$	397,287	$	362,656	$	260,531	$	575,432	$	102,092	$	2,866,828
Special mention		—		3,391		3,908		15,124		4,675		23,532		125		50,755
Substandard		493		5,350		7,565		27,645		22,567		54,201		1,306		119,127
Doubtful		—		—		—		—		—		22		—		22
Total	$	480,127	$	697,937	$	408,760	$	405,425	$	287,773	$	653,187	$	103,523	$	3,036,732

At December 31, 2020, and based on the most recent analysis performed, the risk category of loans by class of loans (excluding mortgage loans held for sale) was as follows:


	Commercial,
December 31, 2020	Financial and		Commercial		Consumer		Consumer
($ in thousands)	Agriculture		Real Estate		Real Estate		Installment		Total
Pass	$	563,772	$	1,530,366	$	834,920	$	40,884	$	2,969,942
Special Mention		2,143		64,012		1,889		20		68,064
Substandard		11,875		66,535		13,397		132		91,939
Doubtful		1,653		23		—		—		1,676
Subtotal	$	579,443	$	1,660,936	$	850,206	$	41,036	$	3,131,621
Less: Unearned discount		—		7,943		—		—		7,943

LHFI, net of unearned discount	$	579,443	$	1,652,993	$	850,206	$	41,036	$	3,123,678

Allowance for Credit Losses (ACL)

The ACL is a valuation account that is deducted from loans’ amortized cost basis to present the net amount expected to be collected on the loans. It is comprised of a general allowance for loans that are collectively assessed in pools with similar risk characteristics and a specific allowance for individually assess loans. The allowance is continuously monitored by Management to maintain a level adequate to absorb expected losses inherent in the loan portfolio. See Note 3. “Accounting Standards” to the Consolidated Financial Statements for additional information.

The following table presents the activity in the allowance for credit losses by portfolio segment for the three months and six months ended June 30, 2021 and the allowance for loan losses for the three months and six months ended June 30, 2020:


	Three Months Ended June 30, 2021
($ in thousands)	Commercial,
	Financial and		Commercial		Consumer		Consumer
	Agriculture		Real Estate		Real Estate		Installment		Total
Allowance for credit losses:
Beginning balance	$	4,158	$	17,578	$	10,280	$	647	$	32,663
Provision for credit losses		—		—		—		—		—
Loans charged-off		(490)		(166)		(124)		(108)		(888)
Recoveries		242		161		183		96		682
Total ending allowance balance	$	3,910	$	17,573	$	10,339	$	635	$	32,457


	Six Months Ended June 30, 2021
($ in thousands)	Commercial,
	Financial and		Commercial		Consumer		Consumer
	Agriculture		Real Estate		Real Estate		Installment		Total
Allowance for credit losses:
Beginning balance	$	6,214	$	24,319	$	4,736	$	551	$	35,820
Impact of ASC 326 adoption on non-PCD loans		(1,319)		(4,607)		5,257		(49)		(718)
Impact of ASC 326 adoption on PCD loans		166		575		372		2		1,115
Provision for credit losses		—		—		—		—		—
Loans charged-off		(1,476)		(3,007)		(263)		(265)		(5,011)
Recoveries		325		293		237		396		1,251
Total ending allowance balance	$	3,910	$	17,573	$	10,339	$	635	$	32,457


	Three Months Ended June 30, 2020
($ in thousands)	Commercial,		Commercial		Consumer				Paycheck
	Financial and		Real		Real		Consumer		Protection
	Agriculture		Estate		Estate		Installment		Program		Unallocated		Total
Allowance for loan losses:
Beginning balance	$	4,466	$	13,095	$	2,840	$	403	$	—	$	—	$	20,804
Provision for loan losses		883		5,202		874		517		130		—		7,606
Loans charged-off		(165)		(63)		(87)		(554)		—		—		(869)
Recoveries		24		292		114		93		—		—		523
Total ending allowance balance	$	5,208	$	18,526	$	3,741	$	459	$	130	$	—	$	28,064


	Six Months Ended June 30, 2020
($ in thousands)	Commercial,		Commercial		Consumer				Paycheck
	Financial and		Real		Real		Consumer		Protection
	Agriculture		Estate		Estate		Installment		Program		Unallocated		Total
Allowance for loan losses:
Beginning balance	$	3,043	$	8,836	$	1,694	$	296	$	—	$	39	$	13,908
Provision for loan losses		2,329		9,725		1,980		583		130		(39)		14,708
Loans charged-off		(264)		(396)		(96)		(613)		—		—		(1,369)
Recoveries		100		361		163		193		—		—		817
Total ending allowance balance	$	5,208	$	18,526	$	3,741	$	459	$	130	$	—	$	28,064

The Company recorded no provision for credit losses for the three and six months ended June 30, 2021, compared to $7.6 million for the three months ended June 30, 2020 and $14.7 million for the six months ended June 30, 2020. The higher provision in 2020 was related to our estimates of probable incurred losses associated with COVID-19. The improved macroeconomic outlook for 2021 resulted in an overall decrease for credit losses and we determined that no further provision adjustment was necessary for the three and six months ended June 30, 2021.

The following table provides the ending balance in the Company’s LHFI and the ACL, broken down by portfolio segment as of June 30, 2021 ($ in thousands).


June 30, 2021	Commercial,
	Financial and		Commercial		Consumer		Consumer
	Agriculture		Real Estate		Real Estate		Installment		Total
LHFI
Individually evaluated	$	28	$	2,986	$	2,313	$	2	$	5,329
Collectively evaluated		511,489		1,650,104		831,576		38,234		3,031,403
Total	$	511,517	$	1,653,090	$	833,889	$	38,236	$	3,036,732

Allowance for Credit Losses
Individually evaluated	$	—	$	147	$	4	$	2	$	153
Collectively evaluated		3,910		17,426		10,335		633		32,304
Total	$	3,910	$	17,573	$	10,339	$	635	$	32,457

The following table provides the ending balance in the Company’s LHFI and the allowance for loan losses, broken down by portfolio segment as of December 31, 2020 ($ in thousands).


December 31, 2020	Commercial,
	Financial and		Commercial		Consumer		Consumer
	Agriculture		Real Estate		Real Estate		Installment		Total
LHFI
Individually evaluated	$	2,241	$	23,857	$	1,248	$	49	$	27,395
Collectively evaluated		574,152		1,971,292		494,833		41,498		3,081,775
PCI Loans		244		9,056		5,185		23		14,508
Total	$	576,637	$	2,004,205	$	501,266	$	41,570	$	3,123,678

Allowance for Loan Losses
Individually evaluated	$	1,235	$	4,244	$	176	$	14	$	5,669
Collectively evaluated		4,979		20,075		4,560		537		30,151
Total	$	6,214	$	24,319	$	4,736	$	551	$	35,820