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Allowance for Loan and Lease Losses | 12 Months Ended
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Dec. 31, 2019
Receivables [Abstract] |
Allowance for Loan and Lease Losses | ALLOWANCE FOR LOAN AND LEASE LOSSES Activity in the allowance for non-PCI loan and lease losses by class of loans is summarized as follows:
| Years ended December 31, 2019, 2018, and 2017
(Dollars in thousands) | Construction and land development - commercial |  | Commercial mortgage |  | Other commercial real estate |  | Commercial and industrial and leases |  | Other |  | Residential mortgage |  | Revolving mortgage |  | Construction and land development - non- commercial |  | Consumer |  | Total
Non-PCI Loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Allowance for loan and lease losses: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Balance at January 1, 2017 | $ | 28,877 |  |  | $ | 48,278 |  |  | $ | 3,269 |  |  | $ | 56,132 |  |  | $ | 3,127 |  |  | $ | 14,447 |  |  | $ | 21,013 |  |  | $ | 1,596 |  |  | $ | 28,287 |  |  | $ | 205,026 |
Provision (credits) | (4,329 | ) |  | (5,694 | ) |  | 1,280 |  |  | 11,624 |  |  | 2,189 |  |  | 2,096 |  |  | 2,509 |  |  | 2,366 |  |  | 17,098 |  |  | 29,139 |
Charge-offs | (599 | ) |  | (421 | ) |  | (5 | ) |  | (11,921 | ) |  | (912 | ) |  | (1,376 | ) |  | (2,368 | ) |  | — |  |  | (18,784 | ) |  | (36,386 | )
Recoveries | 521 |  |  | 2,842 |  |  | 27 |  |  | 3,989 |  |  | 285 |  |  | 539 |  |  | 1,282 |  |  | — |  |  | 4,603 |  |  | 14,088 |
Balance at December 31, 2017 | 24,470 |  |  | 45,005 |  |  | 4,571 |  |  | 59,824 |  |  | 4,689 |  |  | 15,706 |  |  | 22,436 |  |  | 3,962 |  |  | 31,204 |  |  | 211,867 |
Provision (credits) | 10,533 |  |  | (1,490 | ) |  | (2,171 | ) |  | 2,511 |  |  | (2,827 | ) |  | 897 |  |  | 1,112 |  |  | (1,520 | ) |  | 22,187 |  |  | 29,232 |
Charge-offs | (44 | ) |  | (1,140 | ) |  | (69 | ) |  | (10,211 | ) |  | (130 | ) |  | (1,689 | ) |  | (3,235 | ) |  | (219 | ) |  | (22,817 | ) |  | (39,554 | )
Recoveries | 311 |  |  | 1,076 |  |  | 150 |  |  | 3,496 |  |  | 489 |  |  | 558 |  |  | 1,549 |  |  | 127 |  |  | 5,267 |  |  | 13,023 |
Balance at December 31, 2018 | 35,270 |  |  | 43,451 |  |  | 2,481 |  |  | 55,620 |  |  | 2,221 |  |  | 15,472 |  |  | 21,862 |  |  | 2,350 |  |  | 35,841 |  |  | 214,568 |
Provision (credits) | (2,171 | ) |  | 2,384 |  |  | (285 | ) |  | 14,212 |  |  | (754 | ) |  | 3,481 |  |  | (788 | ) |  | 359 |  |  | 16,611 |  |  | 33,049 |
Charge-offs | (196 | ) |  | (1,096 | ) |  | — |  |  | (13,352 | ) |  | (100 | ) |  | (1,137 | ) |  | (2,584 | ) |  | — |  |  | (24,562 | ) |  | (43,027 | )
Recoveries | 310 |  |  | 596 |  |  | 15 |  |  | 2,894 |  |  | 869 |  |  | 416 |  |  | 1,212 |  |  | — |  |  | 6,703 |  |  | 13,015 |
Balance at December 31, 2019 | $ | 33,213 |  |  | $ | 45,335 |  |  | $ | 2,211 |  |  | $ | 59,374 |  |  | $ | 2,236 |  |  | $ | 18,232 |  |  | $ | 19,702 |  |  | $ | 2,709 |  |  | $ | 34,593 |  |  | $ | 217,605 |
The following tables present the allowance and recorded investment in loans and leases by class of loans, as well as the associated impairment method at December 31, 2019 and December 31, 2018.
| December 31, 2019
(Dollars in thousands) | Construction and land development - commercial |  | Commercial mortgage |  | Other commercial real estate |  | Commercial and industrial and leases |  | Other |  | Residential mortgage |  | Revolving mortgage |  | Construction and land development - non-commercial |  | Consumer |  | Total
Non-PCI Loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Allowance for loan and lease losses: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
ALLL for loans and leases individually evaluated for impairment | $ | 463 |  |  | $ | 3,650 |  |  | $ | 39 |  |  | $ | 1,379 |  |  | $ | 103 |  |  | $ | 3,278 |  |  | $ | 2,722 |  |  | $ | 174 |  |  | $ | 1,107 |  |  | $ | 12,915 |
ALLL for loans and leases collectively evaluated for impairment | 32,750 |  |  | 41,685 |  |  | 2,172 |  |  | 57,995 |  |  | 2,133 |  |  | 14,954 |  |  | 16,980 |  |  | 2,535 |  |  | 33,486 |  |  | 204,690 |
Total allowance for loan and lease losses | $ | 33,213 |  |  | $ | 45,335 |  |  | $ | 2,211 |  |  | $ | 59,374 |  |  | $ | 2,236 |  |  | $ | 18,232 |  |  | $ | 19,702 |  |  | $ | 2,709 |  |  | $ | 34,593 |  |  | $ | 217,605 |
Loans and leases: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Loans and leases individually evaluated for impairment | $ | 4,655 |  |  | $ | 70,149 |  |  | $ | 1,268 |  |  | $ | 12,182 |  |  | $ | 639 |  |  | $ | 60,442 |  |  | $ | 28,869 |  |  | $ | 3,882 |  |  | $ | 3,513 |  |  | $ | 185,599 |
Loans and leases collectively evaluated for impairment | 1,008,799 |  |  | 12,212,486 |  |  | 540,760 |  |  | 4,391,610 |  |  | 309,454 |  |  | 5,233,475 |  |  | 2,310,203 |  |  | 353,503 |  |  | 1,776,891 |  |  | 28,137,181 |
Total loan and leases | $ | 1,013,454 |  |  | $ | 12,282,635 |  |  | $ | 542,028 |  |  | $ | 4,403,792 |  |  | $ | 310,093 |  |  | $ | 5,293,917 |  |  | $ | 2,339,072 |  |  | $ | 357,385 |  |  | $ | 1,780,404 |  |  | $ | 28,322,780 |
| December 31, 2018
(Dollars in thousands) | Construction and land development - commercial |  | Commercial mortgage |  | Other commercial real estate |  | Commercial and industrial and leases |  | Other |  | Residential mortgage |  | Revolving mortgage |  | Construction and land development - non-commercial |  | Consumer |  | Total
Non-PCI Loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Allowance for loan and lease losses: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
ALLL for loans and leases individually evaluated for impairment | $ | 490 |  |  | $ | 2,671 |  |  | $ | 42 |  |  | $ | 1,137 |  |  | $ | 105 |  |  | $ | 1,901 |  |  | $ | 2,515 |  |  | $ | 81 |  |  | $ | 885 |  |  | $ | 9,827 |
ALLL for loans and leases collectively evaluated for impairment | 34,780 |  |  | 40,780 |  |  | 2,439 |  |  | 54,483 |  |  | 2,116 |  |  | 13,571 |  |  | 19,347 |  |  | 2,269 |  |  | 34,956 |  |  | 204,741 |
Total allowance for loan and lease losses | $ | 35,270 |  |  | $ | 43,451 |  |  | $ | 2,481 |  |  | $ | 55,620 |  |  | $ | 2,221 |  |  | $ | 15,472 |  |  | $ | 21,862 |  |  | $ | 2,350 |  |  | $ | 35,841 |  |  | $ | 214,568 |
Loans and leases: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Loans and leases individually evaluated for impairment | $ | 2,175 |  |  | $ | 55,447 |  |  | $ | 860 |  |  | $ | 9,868 |  |  | $ | 291 |  |  | $ | 42,168 |  |  | $ | 28,852 |  |  | $ | 3,749 |  |  | $ | 3,020 |  |  | $ | 146,430 |
Loans and leases collectively evaluated for impairment | 755,679 |  |  | 10,661,787 |  |  | 426,125 |  |  | 3,928,862 |  |  | 296,133 |  |  | 4,223,519 |  |  | 2,514,123 |  |  | 253,281 |  |  | 1,710,761 |  |  | 24,770,270 |
Total loan and leases | $ | 757,854 |  |  | $ | 10,717,234 |  |  | $ | 426,985 |  |  | $ | 3,938,730 |  |  | $ | 296,424 |  |  | $ | 4,265,687 |  |  | $ | 2,542,975 |  |  | $ | 257,030 |  |  | $ | 1,713,781 |  |  | $ | 24,916,700 |
Activity in the PCI allowance and balances for years ended December 31, 2019, 2018 and 2017 is summarized as follows:
(Dollars in thousands) | 2019 |  | 2018 |  | 2017
Allowance for loan losses: |  |  |  |  |
Balance at January 1 | $ | 9,144 |  |  | $ | 10,026 |  |  | $ | 13,769 |
Provision credits | (1,608 | ) |  | (765 | ) |  | (3,447 | )
Charge-offs | — |  |  | (117 | ) |  | (296 | )
Recoveries | — |  |  | — |  |  | — |
Balance at December 31 | $ | 7,536 |  |  | $ | 9,144 |  |  | $ | 10,026 |
The following table presents the PCI allowance and recorded investment in loans at December 31, 2019 and 2018.
(Dollars in thousands) | December 31, 2019 |  | December 31, 2018
Allowance for loan losses: |  |  |
ALLL for loans acquired with deteriorated credit quality | $ | 7,536 |  |  | $ | 9,144 |
Loans acquired with deteriorated credit quality | 558,716 |  |  | 606,576 |
At December 31, 2019 and 2018, $139.4 million and $186.6 million, respectively, in PCI loans experienced an adverse change in expected cash flows since the date of acquisition. The corresponding valuation reserve was $7.5 million and $9.1 million, respectively. The following tables present the recorded investment and related allowance in non-PCI impaired loans and leases by class of loans, as well as the unpaid principle balance.
| December 31, 2019
(Dollars in thousands) | With a recorded allowance |  | With no recorded allowance |  | Total |  | Unpaid principal balance |  | Related allowance recorded
Non-PCI impaired loans and leases |  |  |  |  |  |  |  |  |
Commercial: |  |  |  |  |  |  |  |  |
Construction and land development | $ | 1,851 |  |  | $ | 2,804 |  |  | $ | 4,655 |  |  | $ | 5,109 |  |  | $ | 463 |
Commercial mortgage | 42,394 |  |  | 27,755 |  |  | 70,149 |  |  | 74,804 |  |  | 3,650 |
Other commercial real estate | 318 |  |  | 950 |  |  | 1,268 |  |  | 1,360 |  |  | 39 |
Commercial and industrial and leases | 7,547 |  |  | 4,635 |  |  | 12,182 |  |  | 13,993 |  |  | 1,379 |
Other | 406 |  |  | 233 |  |  | 639 |  |  | 661 |  |  | 103 |
Total commercial loans | 52,516 |  |  | 36,377 |  |  | 88,893 |  |  | 95,927 |  |  | 5,634 |
Noncommercial: |  |  |  |  |  |  |  |  |
Residential mortgage | 48,796 |  |  | 11,646 |  |  | 60,442 |  |  | 64,741 |  |  | 3,278 |
Revolving mortgage | 26,104 |  |  | 2,765 |  |  | 28,869 |  |  | 31,960 |  |  | 2,722 |
Construction and land development | 2,470 |  |  | 1,412 |  |  | 3,882 |  |  | 4,150 |  |  | 174 |
Consumer | 3,472 |  |  | 41 |  |  | 3,513 |  |  | 3,821 |  |  | 1,107 |
Total noncommercial loans | $ | 80,842 |  |  | $ | 15,864 |  |  | $ | 96,706 |  |  | $ | 104,672 |  |  | $ | 7,281 |
Total non-PCI impaired loans and leases | $ | 133,358 |  |  | $ | 52,241 |  |  | $ | 185,599 |  |  | $ | 200,599 |  |  | $ | 12,915 |
| December 31, 2018
(Dollars in thousands) | With a recorded allowance |  | With no recorded allowance |  | Total |  | Unpaid principal balance |  | Related allowance recorded
Non-PCI impaired loans and leases |  |  |  |  |  |  |  |  |
Commercial: |  |  |  |  |  |  |  |  |
Construction and land development | $ | 1,897 |  |  | $ | 278 |  |  | $ | 2,175 |  |  | $ | 2,606 |  |  | $ | 490 |
Commercial mortgage | 34,177 |  |  | 21,270 |  |  | 55,447 |  |  | 61,317 |  |  | 2,671 |
Other commercial real estate | 243 |  |  | 617 |  |  | 860 |  |  | 946 |  |  | 42 |
Commercial and industrial and leases | 7,153 |  |  | 2,715 |  |  | 9,868 |  |  | 14,695 |  |  | 1,137 |
Other | 216 |  |  | 75 |  |  | 291 |  |  | 301 |  |  | 105 |
Total commercial loans | 43,686 |  |  | 24,955 |  |  | 68,641 |  |  | 79,865 |  |  | 4,445 |
Noncommercial: |  |  |  |  |  |  |  |  |
Residential mortgage | 40,359 |  |  | 1,809 |  |  | 42,168 |  |  | 45,226 |  |  | 1,901 |
Revolving mortgage | 25,751 |  |  | 3,101 |  |  | 28,852 |  |  | 31,371 |  |  | 2,515 |
Construction and land development | 2,337 |  |  | 1,412 |  |  | 3,749 |  |  | 4,035 |  |  | 81 |
Consumer | 2,940 |  |  | 80 |  |  | 3,020 |  |  | 3,405 |  |  | 885 |
Total noncommercial loans | 71,387 |  |  | 6,402 |  |  | 77,789 |  |  | 84,037 |  |  | 5,382 |
Total non-PCI impaired loans and leases | $ | 115,073 |  |  | $ | 31,357 |  |  | $ | 146,430 |  |  | $ | 163,902 |  |  | $ | 9,827 |
Non-PCI impaired loans less than $500,000 that were collectively evaluated were $41.0 million and $47.1 million at December 31, 2019, and 2018, respectively. The following tables show the average non-PCI impaired loan balance and the interest income recognized by loan class for the years ended December 31, 2019, 2018 and 2017:
| 2019 |  | 2018 |  | 2017
(Dollars in thousands) | Average Balance |  | Interest Income Recognized |  | Average Balance |  | Interest Income Recognized |  | Average Balance |  | Interest Income Recognized
Non-PCI impaired loans and leases: |  |  |  |  |  |  |  |  |  |  |
Commercial: |  |  |  |  |  |  |  |  |  |  |
Construction and land development | $ | 3,915 |  |  | $ | 53 |  |  | $ | 1,734 |  |  | $ | 84 |  |  | $ | 858 |  |  | $ | 37 |
Commercial mortgage | 64,363 |  |  | 2,188 |  |  | 65,943 |  |  | 2,569 |  |  | 73,815 |  |  | 2,596 |
Other commercial real estate | 919 |  |  | 27 |  |  | 1,225 |  |  | 43 |  |  | 1,642 |  |  | 34 |
Commercial and industrial and leases | 11,884 |  |  | 482 |  |  | 9,560 |  |  | 364 |  |  | 11,600 |  |  | 427 |
Other | 396 |  |  | 11 |  |  | 135 |  |  | 3 |  |  | 426 |  |  | 22 |
Total commercial | 81,477 |  |  | 2,761 |  |  | 78,597 |  |  | 3,063 |  |  | 88,341 |  |  | 3,116 |
Noncommercial: |  |  |  |  |  |  |  |  |  |  |
Residential mortgage | 52,045 |  |  | 1,386 |  |  | 41,368 |  |  | 1,237 |  |  | 33,818 |  |  | 990 |
Revolving mortgage | 29,516 |  |  | 1,009 |  |  | 26,759 |  |  | 900 |  |  | 14,022 |  |  | 436 |
Construction and land development | 3,589 |  |  | 116 |  |  | 3,677 |  |  | 172 |  |  | 3,383 |  |  | 145 |
Consumer | 3,311 |  |  | 138 |  |  | 2,722 |  |  | 116 |  |  | 2,169 |  |  | 103 |
Total noncommercial | 88,461 |  |  | 2,649 |  |  | 74,526 |  |  | 2,425 |  |  | 53,392 |  |  | 1,674 |
Total non-PCI impaired loans and leases | $ | 169,938 |  |  | $ | 5,410 |  |  | $ | 153,123 |  |  | $ | 5,488 |  |  | $ | 141,733 |  |  | $ | 4,790 |
Troubled Debt Restructurings BancShares accounts for certain loan modifications or restructurings as TDRs. In general, the modification or restructuring of a loan is considered a TDR if, for economic or legal reasons related to a borrower’s financial difficulties, a concession is granted to the borrower that creditors would not otherwise consider. Concessions may relate to the contractual interest rate, maturity date, payment structure or other actions. The majority of TDRs are included in the special mention, substandard or doubtful credit quality indicators, which results in more elevated loss expectations when projecting the expected cash flows used to determine the allowance for loan losses associated with these loans. The lower the credit quality indicator, the lower the estimated expected cash flows and the greater the allowance recorded. All TDRs are individually evaluated for impairment through review of collateral values or analysis of cash flows at least annually. The following table provides a summary of total TDRs by accrual status. Total TDRs at December 31, 2019, were $171.2 million, of which $154.0 million were non-PCI and $17.2 million were PCI. Total TDRs at December 31, 2018, were $156.1 million, of which $137.9 million were non-PCI and $18.2 million were PCI. Total TDRs at December 31, 2017, were $164.6 million, of which $146.1 million were non-PCI and $18.5 million were PCI.
| December 31, 2019 |  | December 31, 2018 |  | December 31, 2017
(Dollars in thousands) | Accruing |  | Nonaccruing |  | Total |  | Accruing |  | Nonaccruing |  | Total |  | Accruing |  | Nonaccruing |  | Total
Commercial loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Construction and land development | $ | 487 |  |  | $ | 2,279 |  |  | $ | 2,766 |  |  | $ | 1,946 |  |  | $ | 352 |  |  | $ | 2,298 |  |  | $ | 4,089 |  |  | $ | 483 |  |  | $ | 4,572 |
Commercial mortgage | 50,819 |  |  | 11,116 |  |  | 61,935 |  |  | 53,270 |  |  | 7,795 |  |  | 61,065 |  |  | 62,358 |  |  | 15,863 |  |  | 78,221 |
Other commercial real estate | 571 |  |  | — |  |  | 571 |  |  | 851 |  |  | 9 |  |  | 860 |  |  | 1,012 |  |  | 788 |  |  | 1,800 |
Commercial and industrial and leases | 9,430 |  |  | 2,409 |  |  | 11,839 |  |  | 7,986 |  |  | 2,060 |  |  | 10,046 |  |  | 8,320 |  |  | 1,958 |  |  | 10,278 |
Other | 320 |  |  | 105 |  |  | 425 |  |  | 118 |  |  | 173 |  |  | 291 |  |  | 521 |  |  | — |  |  | 521 |
Total commercial loans | 61,627 |  |  | 15,909 |  |  | 77,536 |  |  | 64,171 |  |  | 10,389 |  |  | 74,560 |  |  | 76,300 |  |  | 19,092 |  |  | 95,392 |
Noncommercial: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Residential mortgage | 41,813 |  |  | 16,048 |  |  | 57,861 |  |  | 37,903 |  |  | 9,621 |  |  | 47,524 |  |  | 34,067 |  |  | 9,475 |  |  | 43,542 |
Revolving mortgage | 21,032 |  |  | 7,367 |  |  | 28,399 |  |  | 20,492 |  |  | 8,196 |  |  | 28,688 |  |  | 17,673 |  |  | 5,180 |  |  | 22,853 |
Construction and land development | 1,452 |  |  | 2,430 |  |  | 3,882 |  |  | 2,227 |  |  | 110 |  |  | 2,337 |  |  | — |  |  | — |  |  | — |
Consumer | 2,826 |  |  | 688 |  |  | 3,514 |  |  | 2,300 |  |  | 721 |  |  | 3,021 |  |  | 2,351 |  |  | 423 |  |  | 2,774 |
Total noncommercial loans | 67,123 |  |  | 26,533 |  |  | 93,656 |  |  | 62,922 |  |  | 18,648 |  |  | 81,570 |  |  | 54,091 |  |  | 15,078 |  |  | 69,169 |
Total loans | $ | 128,750 |  |  | $ | 42,442 |  |  | $ | 171,192 |  |  | $ | 127,093 |  |  | $ | 29,037 |  |  | $ | 156,130 |  |  | $ | 130,391 |  |  | $ | 34,170 |  |  | $ | 164,561 |
The following tables provide the types of TDRs made during the years ended December 31, 2019, 2018 and 2017, as well as a summary of loans that were modified as a TDR during the years ended December 31, 2019, 2018 and 2017 that subsequently defaulted during the years ended December 31, 2019, 2018 and 2017. BancShares defines payment default as movement of the TDR to nonaccrual status, which is generally 90 days past due, foreclosure or charge-off, whichever occurs first.
| 2019 |  | 2018 |  | 2017
| All restructurings |  | Restructurings with payment default |  | All restructurings |  | Restructurings with payment default |  | All restructurings |  | Restructurings with payment default
| Number of Loans | Recorded investment at period end |  | Number of Loans | Recorded investment at period end |  | Number of Loans | Recorded investment at period end |  | Number of Loans | Recorded investment at period end |  | Number of Loans | Recorded investment at period end |  | Number of Loans | Recorded investment at period end
(Dollars in thousands) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Loans and leases |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Interest only period provided |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial loans | 11 | $ | 1,595 |  |  | 1 | $ | 238 |  |  | 3 | $ | 1,003 |  |  | — | $ | — |  |  | 5 | $ | 1,124 |  |  | 1 | $ | 634 |
Noncommercial loans | 7 | 4,018 |  |  | 2 | 2,717 |  |  | — | — |  |  | — | — |  |  | 1 | 82 |  |  | — | — |
Total interest only | 18 | 5,613 |  |  | 3 | 2,955 |  |  | 3 | 1,003 |  |  | — | — |  |  | 6 | 1,206 |  |  | 1 | 634 |
Loan term extension |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial loans | 16 | 3,904 |  |  | 5 | 533 |  |  | 21 | 3,933 |  |  | 4 | 675 |  |  | 13 | 3,007 |  |  | — | — |
Noncommercial loans | 2 | 342 |  |  | 1 | 306 |  |  | 21 | 1,554 |  |  | 4 | 190 |  |  | 34 | 3,510 |  |  | 2 | 273 |
Total loan term extension | 18 | 4,246 |  |  | 6 | 839 |  |  | 42 | 5,487 |  |  | 8 | 865 |  |  | 47 | 6,517 |  |  | 2 | 273 |
Below market interest rate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial loans | 90 | 13,932 |  |  | 24 | 2,634 |  |  | 85 | 12,859 |  |  | 24 | 2,998 |  |  | 92 | 14,811 |  |  | 32 | 3,392 |
Noncommercial loans | 176 | 12,458 |  |  | 66 | 4,014 |  |  | 184 | 15,545 |  |  | 68 | 5,461 |  |  | 271 | 15,601 |  |  | 78 | 4,591 |
Total below market interest rate | 266 | 26,390 |  |  | 90 | 6,648 |  |  | 269 | 28,404 |  |  | 92 | 8,459 |  |  | 363 | 30,412 |  |  | 110 | 7,983 |
Discharged from bankruptcy |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial loans | 25 | 5,571 |  |  | 20 | 5,028 |  |  | 26 | 2,043 |  |  | 8 | 825 |  |  | 39 | 3,012 |  |  | 26 | 708 |
Noncommercial loans | 178 | 10,349 |  |  | 71 | 4,239 |  |  | 151 | 6,617 |  |  | 56 | 3,169 |  |  | 177 | 7,853 |  |  | 65 | 2,392 |
Total discharged from bankruptcy | 203 | 15,920 |  |  | 91 | 9,267 |  |  | 177 | 8,660 |  |  | 64 | 3,994 |  |  | 216 | 10,865 |  |  | 91 | 3,100 |
Total restructurings | 505 | $ | 52,169 |  |  | 190 | $ | 19,709 |  |  | 491 | $ | 43,554 |  |  | 164 | $ | 13,318 |  |  | 632 | $ | 49,000 |  |  | 204 | $ | 11,990 |

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