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Loans and Allowance for Loan Losses | 12 Months Ended
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Dec. 31, 2019
Loans and Allowance for Loan Losses |
Loans and Allowance for Loan Losses | Note 4 - Loans and Allowance for Loan Losses The following is a summary of non-acquired loans: ​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ |  | December 31, |
(Dollars in thousands) |  | 2019 | ​ | 2018 |
Non-acquired loans: | ​ | ​ |  |  | ​ |  | ​
Commercial non-owner occupied real estate: | ​ | ​ | ​ | ​ | ​ | ​ | ​
Construction and land development | ​ | $ | 968,360 | ​ | $ | 841,445 | ​
Commercial non-owner occupied | ​ |  | 1,811,138 | ​ |  | 1,415,551 | ​
Total commercial non-owner occupied real estate | ​ |  | 2,779,498 | ​ |  | 2,256,996 | ​
Consumer real estate: | ​ | ​ | ​ | ​ | ​ | ​ | ​
Consumer owner occupied | ​ |  | 2,118,839 | ​ |  | 1,936,265 | ​
Home equity loans | ​ |  | 518,628 | ​ |  | 495,148 | ​
Total consumer real estate | ​ |  | 2,637,467 | ​ |  | 2,431,413 | ​
Commercial owner occupied real estate | ​ |  | 1,784,017 | ​ |  | 1,517,551 | ​
Commercial and industrial | ​ |  | 1,280,859 | ​ |  | 1,054,952 | ​
Other income producing property | ​ |  | 218,617 | ​ |  | 214,353 | ​
Consumer | ​ |  | 538,481 | ​ |  | 448,664 | ​
Other loans | ​ |  | 13,892 | ​ |  | 9,357 | ​
Total non-acquired loans | ​ |  | 9,252,831 | ​ |  | 7,933,286 | ​
Less allowance for loan losses | ​ |  | (56,927) | ​ |  | (51,194) | ​
Non-acquired loans, net | ​ | $ | 9,195,904 | ​ | $ | 7,882,092 | ​
​ The above table includes deferred fees, net of deferred costs, totaling $751,000 and $697,000 at December 31, 2019 and 2018, respectively. The following is a summary of acquired non-credit impaired loans accounted for under FASB ASC Topic 310-20, net of the related discount: ​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ |  | December 31, |
(Dollars in thousands) |  | 2019 | ​ | 2018 |
Acquired non-credit impaired loans: | ​ | ​ |  |  | ​ |  | ​
Commercial non-owner occupied real estate: | ​ | ​ | ​ | ​ | ​ | ​ | ​
Construction and land development | ​ | $ | 33,569 | ​ | $ | 165,070 | ​
Commercial non-owner occupied | ​ |  | 447,441 | ​ |  | 679,253 | ​
Total commercial non-owner occupied real estate | ​ |  | 481,010 | ​ |  | 844,323 | ​
Consumer real estate: | ​ | ​ | ​ | ​ | ​ | ​ | ​
Consumer owner occupied | ​ |  | 496,431 | ​ |  | 628,813 | ​
Home equity loans | ​ |  | 188,732 | ​ |  | 242,425 | ​
Total consumer real estate | ​ |  | 685,163 | ​ |  | 871,238 | ​
Commercial owner occupied real estate | ​ |  | 307,193 | ​ |  | 421,841 | ​
Commercial and industrial | ​ |  | 101,880 | ​ |  | 212,537 | ​
Other income producing property | ​ |  | 95,697 | ​ |  | 133,110 | ​
Consumer | ​ |  | 89,484 | ​ |  | 111,777 | ​
Other | ​ | ​ | — | ​ | ​ | — | ​
Acquired non-credit impaired loans | ​ | $ | 1,760,427 | ​ | $ | 2,594,826 | ​
​ In accordance with FASB ASC Topic 310-30, the Company aggregated acquired loans that have common risk characteristics into pools of loan categories as described in the table below. The following is a summary of acquired credit impaired loans accounted for under FASB ASC Topic 310-30 (identified as credit impaired at the time of acquisition), net of related discount: ​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ |  | December 31, |
(Dollars in thousands) |  | 2019 | ​ | 2018 |
Acquired credit impaired loans: | ​ | ​ |  |  | ​ |  | ​
Commercial real estate | ​ | $ | 130,938 | ​ | $ | 196,764 | ​
Commercial real estate—construction and development | ​ |  | 25,032 | ​ |  | 32,942 | ​
Residential real estate | ​ |  | 163,359 | ​ |  | 207,482 | ​
Consumer | ​ |  | 35,488 | ​ |  | 42,492 | ​
Commercial and industrial | ​ |  | 7,029 | ​ |  | 10,043 | ​
Acquired credit impaired loans | ​ |  | 361,846 | ​ |  | 489,723 | ​
Less allowance for loan losses | ​ |  | (5,064) | ​ |  | (4,604) | ​
Acquired credit impaired loans, net | ​ | $ | 356,782 | ​ | $ | 485,119 | ​
​ The table below reflects refined contractual loan payments (principal and interest), estimates of the amounts not expected to be collected (non-accretable difference), accretable yield (interest income recognized over time), and the resulting fair values at the acquisition date for PSC (November 30, 2017) for loans accounted for using FASB ASC Topic 310-30. During the second quarter of 2018, the initial fair value of loans at acquisition were adjusted to reflect movement of loans between the ASC Topic 310-20 portfolio and the ASC Topic 310-30 portfolio and the movement in interest rates from the initial valuation. ​
The table below reflects refined contractual loan payments (principal and interest), estimates of the amounts not expected to be collected (non-accretable difference), accretable yield (interest income recognized over time), and the resulting fair values at the acquisition date for PSC (November 30, 2017) for loans accounted for using FASB ASC Topic 310-30. During the second quarter of 2018, the initial fair value of loans at acquisition were adjusted to reflect movement of loans between the ASC Topic 310-20 portfolio and the ASC Topic 310-30 portfolio and the movement in interest rates from the initial valuation. | ​ | ​ | ​ | ​ | ​
​ | ​ | ​ | November 30, 2017 | ​
​ | ​ | ​ | Loans Impaired |
(Dollars in thousands) | ​ | ​ | at Acquisition |
Contractual principal and interest |  |  | $ | 113,584 | ​
Non-accretable difference | ​ | ​ |  | (27,248) | ​
Cash flows expected to be collected | ​ | ​ |  | 86,336 | ​
Accretable difference | ​ | ​ |  | (7,369) | ​
Carrying value | ​ | ​ | $ | 78,967 | ​
​ The table above excludes $2.1 billion ($2.2 billion in contractual principal less a $46.5 million fair value adjustment) in acquired loans at fair value that were identified as either performing with no discount related to the credit or as revolving lines of credit (commercial or consumer) as of the acquisition date of Park and will be accounted for under FASB ASC Topic 310-20. ​ The table below reflects refined contractual loan payments (principal and interest), estimates of the amounts not expected to be collected (non-accretable difference), accretable yield (interest income recognized over time), and the resulting fair values at the acquisition date for SBFC (January 3, 2017) for loans accounted for using FASB ASC Topic 310-30. During the third quarter of 2017, the initial fair values of the acquired loan portfolios were adjusted to reflect movement of loans between the ASC Topic 310-20 portfolio and the ASC Topic 310-30 portfolio. ​
​ | ​ | ​ | ​ | ​
​ | ​ | January 3, 2017 |
​ | ​ | Loans Impaired |
(Dollars in thousands) | ​ | at Acquisition |
Contractual principal and interest |  | $ | 78,963 | ​
Non-accretable difference | ​ |  | (13,072) | ​
Cash flows expected to be collected | ​ |  | 65,891 | ​
Accretable difference | ​ |  | (4,910) | ​
Carrying value | ​ | $ | 60,981 | ​
​ The table above excludes $986.5 million ($1.0 billion in contractual principal less a $18.8 million fair value adjustment) in acquired loans at fair value that were identified as either performing with no discount related to the credit or as revolving lines of credit (commercial or consumer) as of the acquisition date of Southeastern and will be accounted for under FASB ASC Topic 310-20. ​ Contractual loan payments receivable, estimates of amounts not expected to be collected, other fair value adjustments and the resulting carrying values of total acquired credit impaired loans as of December 31, 2019 and 2018 are as follows: ​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | December 31, | ​ | December 31, | ​
(Dollars in thousands) |  | 2019 |  | 2018 |
Contractual principal and interest | ​ | $ | 452,818 | ​ | $ | 626,691 | ​
Non-accretable difference | ​ |  | (13,938) | ​ |  | (24,818) | ​
Cash flows expected to be collected | ​ |  | 438,880 | ​ |  | 601,873 | ​
Accretable yield | ​ |  | (82,098) | ​ |  | (116,754) | ​
Carrying value | ​ | $ | 356,782 | ​ | $ | 485,119 | ​
​ Income on acquired credit impaired loans that are not impaired at the acquisition date is recognized in the same manner as loans impaired at the acquisition date. A portion of the fair value discount on acquired non-impaired loans has been ascribed as an accretable yield that is accreted into interest income over the estimated remaining life of the loans. The remaining nonaccretable difference represents cash flows not expected to be collected. ​ The following are changes in the carrying value of acquired credit impaired loans: ​
​ | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | Year Ended December 31,
(Dollars in thousands) |  | 2019 |  | 2018
Balance at beginning of period | ​ | $ | 485,119 | ​ | $ | 618,803
Net reductions for payments, foreclosures, and accretion | ​ |  | (127,877) | ​ |  | (133,707)
Change in the allowance for loan losses on acquired loans | ​ |  | (460) | ​ |  | 23
Balance at end of period, net of allowance for loan losses on acquired credit impaired loans | ​ | $ | 356,782 | ​ | $ | 485,119
​ The following are changes in the carrying amount of accretable yield for acquired credit impaired loans: ​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | Year Ended December 31,
(Dollars in thousands) |  | 2019 |  | 2018 |  | 2017
Balance at beginning of period | ​ | $ | 116,754 | ​ | $ | 133,096 | ​ | $ | 155,379
Addition from the PSC acquisition | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 4,910
Park Sterling Corporation ("Park Sterling") acquisition Day 1 adjustment | ​ | ​ | — | ​ | ​ | (1,460) | ​ | ​ | 8,829
Contractual interest income | ​ |  | (26,515) | ​ |  | (33,115) | ​ |  | (36,690)
Accretion on acquired credit impaired loans | ​ | ​ | (17,813) | ​ | ​ | (19,004) | ​ | ​ | (20,841)
Reclass of nonaccretable difference due to improvement in expected cash flows | ​ |  | 9,826 | ​ |  | 37,501 | ​ |  | 21,987
Other changes, net | ​ |  | (154) | ​ |  | (264) | ​ |  | (478)
Balance at end of period | ​ | $ | 82,098 | ​ | $ | 116,754 | ​ | $ | 133,096
​ The table above reflects the changes in the carrying amount of accretable yield for the acquired credit impaired loans and shows both the contractual interest income and incremental accretion for each year. In 2019, the accretable yield balance declined by $34.7 million as total contractual interest and accretion income of $44.3 million was recognized. This was partially offset by improved expected cash flows of $9.8 million. The improved cash flows for previous years were adjusted to accurately reflect the split between income types. ​ As of December 31, 2019, the table above excludes $1.8 billion ($1.8 billion in contractual principal less a $20.3 million discount) in acquired loans which are accounted for under FASB ASC Topic 310-20. These loans were identified as either performing with no discount related to the credit or as a revolving lines of credit (commercial or consumer) at acquisition. As of December 31, 2018, the balance of these acquired loans totaled $2.6 billion ($2.6 billion in contractual principal less a $33.4 million remaining discount). Our loan loss policy adheres to U.S. GAAP as well as interagency guidance. The allowance for loan losses is based upon estimates made by management. We maintain an allowance for loan losses at a level that we believe is appropriate to cover estimated credit losses on individually evaluated loans that are determined to be impaired as well as estimated credit losses inherent in the remainder of our loan portfolio. Arriving at the allowance involves a high degree of management judgment and results in a range of estimated losses. We regularly evaluate the adequacy of the allowance through our internal risk rating system, outside credit review, and regulatory agency examinations to assess the quality of the loan portfolio and identify problem loans. The evaluation process also includes our analysis of current economic conditions, composition of the loan portfolio, past due and nonaccrual loans, concentrations of credit, lending policies and procedures, and historical loan loss experience. While management uses available information to recognize losses on loans, future additions to the allowance may be necessary based on, among other factors, changes in economic conditions in our markets. In addition, regulatory agencies, as an integral part of their examination process, periodically review our allowances for losses on loans. These agencies may require management to recognize additions to the allowances based on their judgments about information available to them at the time of their examination. Because of these and other factors, it is possible that the allowances for losses on loans may change. The provision for loan losses is charged to expense in an amount necessary to maintain the allowance at an appropriate level. The allowance for loan losses on non-acquired loans consists of general and specific reserves. The general reserves are determined by applying loss percentages to the portfolio that are based on historical loss experience for each class of loans and management’s evaluation and “risk grading” of the loan portfolio. Additionally, the general economic and business conditions affecting key lending areas, credit quality trends, collateral values, loan volumes and concentrations, seasoning of the loan portfolio, the findings of internal and external credit reviews and results from external bank regulatory examinations are included in this evaluation. Currently, these adjustments are applied to the non-acquired loan portfolio when estimating the level of reserve required. The specific reserves are determined on a loan-by-loan basis based on management’s evaluation of our exposure for each credit, given the current payment status of the loan and the value of any underlying collateral. These are loans classified by management as doubtful or substandard. For such loans that are also classified as impaired, an allowance is established when the discounted cash flows (or collateral value or observable market price) of the impaired loan is lower than the carrying value of that loan. Generally, the need for specific reserve is evaluated on impaired loans, and once a specific reserve is established for a loan, a charge off of that amount occurs in the quarter subsequent to the establishment of the specific reserve. Loans that are determined to be impaired are provided a specific reserve, if necessary, and are excluded from the calculation of the general reserves. Beginning with the First Financial Holdings, Inc. acquisition, the Company segregated the loan portfolio into performing loans (“non-credit impaired) and purchased credit impaired loans. The performing loans and revolving type loans are accounted for under FASB ASC 310-20, with each loan being accounted for individually. The allowance for loan losses on these loans will be measured and recorded consistent with non-acquired loans. The acquired credit impaired loans will follow the description in the next paragraph. In determining the acquisition date fair value of purchased loans, and in subsequent accounting, the Company generally aggregates purchased loans into pools of loans with common risk characteristics. Expected cash flows at the acquisition date in excess of the fair value of loans are recorded as interest income over the life of the loans using a level yield method if the timing and amount of the future cash flows of the pool is reasonably estimable. Subsequent to the acquisition date, increases in cash flows over those expected at the acquisition date are reclassified from the non-accretable difference to accretable yield and recognized as interest income prospectively. Decreases in expected cash flows after the acquisition date are recognized by recording an allowance for loan losses. Management analyzes the acquired loan pools using various assessments of risk to determine an expected loss. The expected loss is derived based upon a loss given default based upon the collateral type and/or detailed review by loan officers and the probability of default that is determined based upon historical data at the loan level. All acquired loans managed by Special Asset Management are reviewed quarterly and assigned a loss given default. Acquired loans not managed by Special Asset Management are reviewed twice a year in a similar method to the Company’s originated portfolio of loans which follow review thresholds based on risk rating categories. In the fourth quarter of 2015, the Company modified its methodology to a more granular approach in determining loss given default on substandard loans with a net book balance between $100,000 and $500,000 by adjusting the loss given default to 90% of the most current collateral valuation based on appraised value. Substandard loans greater than $500,000 were individually assigned loss given defaults each quarter. Trends are reviewed in terms of accrual status, past due status, and weighted-average grade of the loans within each of the accounting pools. In addition, the relationship between the change in the unpaid principal balance and change in the mark is assessed to correlate the directional consistency of the expected loss for each pool. ​ An aggregated analysis of the changes in allowance for loan losses is as follows: ​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ |  | Non-acquired |  | Acquired Non-Credit |  | Acquired Credit |  | ​ | ​
(Dollars in thousands) | ​ | Loans | ​ | Impaired Loans | ​ | Impaired Loans | ​ | Total
Year Ended December 31, 2019: | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Balance at beginning of period | ​ | $ | 51,194 | ​ | $ | — | ​ | $ | 4,604 | ​ | $ | 55,798
Loans charged-off | ​ |  | (6,917) | ​ | ​ | (2,858) | ​ |  | — | ​ |  | (9,775)
Recoveries of loans previously charged off | ​ |  | 3,367 | ​ | ​ | 547 | ​ |  | — | ​ |  | 3,914
Net charge-offs | ​ |  | (3,550) | ​ | ​ | (2,311) | ​ |  | — | ​ |  | (5,861)
Provision for loan losses charged to operations | ​ |  | 9,283 | ​ | ​ | 2,311 | ​ |  | 1,183 | ​ |  | 12,777
Reduction due to loan removals | ​ |  | — | ​ | ​ | — | ​ |  | (723) | ​ |  | (723)
Balance at end of period | ​ | $ | 56,927 | ​ | $ | — | ​ | $ | 5,064 | ​ | $ | 61,991
Year Ended December 31, 2018: | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Balance at beginning of period | ​ | $ | 43,448 | ​ | $ | — | ​ | $ | 4,627 | ​ | $ | 48,075
Loans charged-off | ​ |  | (6,012) | ​ | ​ | (2,214) | ​ |  | — | ​ |  | (8,226)
Recoveries of loans previously charged off | ​ |  | 2,995 | ​ | ​ | 305 | ​ |  | — | ​ |  | 3,300
Net charge-offs | ​ |  | (3,017) | ​ | ​ | (1,909) | ​ |  | — | ​ |  | (4,926)
Provision for loan losses charged to operations | ​ |  | 10,763 | ​ | ​ | 1,909 | ​ |  | 1,111 | ​ |  | 13,783
Reduction due to loan removals | ​ |  | — | ​ | ​ | — | ​ |  | (1,134) | ​ |  | (1,134)
Balance at end of period | ​ | $ | 51,194 | ​ | $ | — | ​ | $ | 4,604 | ​ | $ | 55,798
Year Ended December 31, 2017: | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Balance at beginning of period | ​ | $ | 36,960 | ​ | $ | — | ​ | $ | 3,395 | ​ | $ | 40,355
Loans charged-off | ​ |  | (5,149) | ​ | ​ | (1,630) | ​ |  | — | ​ |  | (6,779)
Recoveries of loans previously charged off | ​ |  | 2,953 | ​ | ​ | 477 | ​ |  | — | ​ |  | 3,430
Net charge-offs | ​ |  | (2,196) | ​ | ​ | (1,153) | ​ |  | — | ​ |  | (3,349)
Provision for loan losses charged to operations | ​ |  | 8,684 | ​ | ​ | 1,153 | ​ |  | 2,053 | ​ |  | 11,890
Reduction due to loan removals | ​ |  | — | ​ | ​ | — | ​ |  | (821) | ​ |  | (821)
Balance at end of period | ​ | $ | 43,448 | ​ | $ | — | ​ | $ | 4,627 | ​ | $ | 48,075
​ The following tables present a disaggregated analysis of activity in the allowance for loan losses and loan balances for non-acquired loans: ​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ |  | Construction |  | Commercial |  | Commercial |  | Consumer |  | ​ | ​ |  | ​ | ​ |  | Other Income |  | ​ | ​ |  | ​ | ​ |  | ​ | ​ |
​ | ​ | & Land | ​ | Non-owner | ​ | Owner | ​ | Owner | ​ | Home | ​ | Commercial | ​ | Producing | ​ | ​ | ​ | ​ | Other | ​ | ​ | ​ |
(Dollars in thousands) | ​ | Development | ​ | Occupied | ​ | Occupied | ​ | Occupied | ​ | Equity | ​ | & Industrial | ​ | Property | ​ | Consumer | ​ | Loans | ​ | Total |
Year Ended December 31, 2019: | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Allowance for loan losses: | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Balance at beginning of period | ​ | $ | 5,682 | ​ | $ | 8,754 | ​ | $ | 9,369 | ​ | $ | 11,913 | ​ | $ | 3,434 | ​ | $ | 7,454 | ​ | $ | 1,446 | ​ | $ | 3,101 | ​ | $ | 41 | ​ | $ | 51,194 | ​
Charge-offs | ​ |  | (78) | ​ |  | (3) | ​ |  | (87) | ​ |  | (50) | ​ |  | (203) | ​ |  | (622) | ​ |  | (31) | ​ |  | (5,843) | ​ |  | — | ​ |  | (6,917) | ​
Recoveries | ​ |  | 1,016 | ​ |  | 76 | ​ |  | 174 | ​ |  | 213 | ​ |  | 265 | ​ |  | 351 | ​ |  | 94 | ​ |  | 1,178 | ​ |  | — | ​ |  | 3,367 | ​
Provision (benefit) | ​ |  | (516) | ​ |  | 1,872 | ​ |  | 1,125 | ​ |  | 520 | ​ |  | (308) | ​ |  | 1,156 | ​ |  | (173) | ​ |  | 5,511 | ​ |  | 96 | ​ |  | 9,283 | ​
Balance at end of period | ​ | $ | 6,104 | ​ | $ | 10,699 | ​ | $ | 10,581 | ​ | $ | 12,596 | ​ | $ | 3,188 | ​ | $ | 8,339 | ​ | $ | 1,336 | ​ | $ | 3,947 | ​ | $ | 137 | ​ | $ | 56,927 | ​
Loans individually evaluated for impairment | ​ | $ | 617 | ​ | $ | — | ​ | $ | 24 | ​ | $ | 102 | ​ | $ | 132 | ​ | $ | 366 | ​ | $ | 50 | ​ | $ | 55 | ​ | $ | — | ​ | $ | 1,346 | ​
Loans collectively evaluated for impairment | ​ | $ | 5,487 | ​ | $ | 10,699 | ​ | $ | 10,557 | ​ | $ | 12,494 | ​ | $ | 3,056 | ​ | $ | 7,973 | ​ | $ | 1,286 | ​ | $ | 3,892 | ​ | $ | 137 | ​ | $ | 55,581 | ​
Loans: | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Loans individually evaluated for impairment | ​ | $ | 35,201 | ​ | $ | 379 | ​ | $ | 6,575 | ​ | $ | 5,141 | ​ | $ | 2,461 | ​ | $ | 6,578 | ​ | $ | 2,024 | ​ | $ | 173 | ​ | $ | — | ​ | $ | 58,532 | ​
Loans collectively evaluated for impairment | ​ |  | 933,159 | ​ |  | 1,810,759 | ​ |  | 1,777,442 | ​ |  | 2,113,698 | ​ |  | 516,167 | ​ |  | 1,274,281 | ​ |  | 216,593 | ​ |  | 538,308 | ​ |  | 13,892 | ​ |  | 9,194,299 | ​
Total non-acquired loans | ​ | $ | 968,360 | ​ | $ | 1,811,138 | ​ | $ | 1,784,017 | ​ | $ | 2,118,839 | ​ | $ | 518,628 | ​ | $ | 1,280,859 | ​ | $ | 218,617 | ​ | $ | 538,481 | ​ | $ | 13,892 | ​ | $ | 9,252,831 | ​
Year Ended December 31, 2018: | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Allowance for loan losses: | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Balance at beginning of period | ​ | $ | 5,921 | ​ | $ | 6,525 | ​ | $ | 8,128 | ​ | $ | 9,668 | ​ | $ | 3,250 | ​ | $ | 5,488 | ​ | $ | 1,375 | ​ | $ | 2,788 | ​ | $ | 305 | ​ | $ | 43,448 | ​
Charge-offs | ​ |  | (76) | ​ |  | — | ​ |  | (659) | ​ |  | (80) | ​ |  | (215) | ​ |  | (500) | ​ |  | (2) | ​ |  | (4,480) | ​ |  | — | ​ |  | (6,012) | ​
Recoveries | ​ |  | 1,340 | ​ |  | 11 | ​ |  | 145 | ​ |  | 132 | ​ |  | 279 | ​ |  | 256 | ​ |  | 21 | ​ |  | 811 | ​ |  | — | ​ |  | 2,995 | ​
Provision (benefit) | ​ |  | (1,503) | ​ |  | 2,218 | ​ |  | 1,755 | ​ |  | 2,193 | ​ |  | 120 | ​ |  | 2,210 | ​ |  | 52 | ​ |  | 3,982 | ​ |  | (264) | ​ |  | 10,763 | ​
Balance at end of period | ​ | $ | 5,682 | ​ | $ | 8,754 | ​ | $ | 9,369 | ​ | $ | 11,913 | ​ | $ | 3,434 | ​ | $ | 7,454 | ​ | $ | 1,446 | ​ | $ | 3,101 | ​ | $ | 41 | ​ | $ | 51,194 | ​
Loans individually evaluated for impairment | ​ | $ | 788 | ​ | $ | 70 | ​ | $ | 27 | ​ | $ | 41 | ​ | $ | 142 | ​ | $ | 416 | ​ | $ | 142 | ​ | $ | 2 | ​ | $ | — | ​ | $ | 1,628 | ​
Loans collectively evaluated for impairment | ​ | $ | 4,894 | ​ | $ | 8,684 | ​ | $ | 9,342 | ​ | $ | 11,872 | ​ | $ | 3,292 | ​ | $ | 7,038 | ​ | $ | 1,304 | ​ | $ | 3,099 | ​ | $ | 41 | ​ | $ | 49,566 | ​
Loans: | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Loans individually evaluated for impairment | ​ | $ | 37,913 | ​ | $ | 1,025 | ​ | $ | 4,142 | ​ | $ | 6,761 | ​ | $ | 2,826 | ​ | $ | 1,291 | ​ | $ | 2,872 | ​ | $ | 188 | ​ | $ | — | ​ | $ | 57,018 | ​
Loans collectively evaluated for impairment | ​ |  | 803,532 | ​ |  | 1,414,526 | ​ |  | 1,513,409 | ​ |  | 1,929,504 | ​ |  | 492,322 | ​ |  | 1,053,661 | ​ |  | 211,481 | ​ |  | 448,476 | ​ |  | 9,357 | ​ |  | 7,876,268 | ​
Total non-acquired loans | ​ | $ | 841,445 | ​ | $ | 1,415,551 | ​ | $ | 1,517,551 | ​ | $ | 1,936,265 | ​ | $ | 495,148 | ​ | $ | 1,054,952 | ​ | $ | 214,353 | ​ | $ | 448,664 | ​ | $ | 9,357 | ​ | $ | 7,933,286 | ​
Year Ended December 31, 2017: | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Allowance for loan losses: | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Balance at beginning of period | ​ | $ | 4,091 | ​ | $ | 4,980 | ​ | $ | 8,022 | ​ | $ | 7,820 | ​ | $ | 3,211 | ​ | $ | 4,842 | ​ | $ | 1,542 | ​ | $ | 2,350 | ​ | $ | 102 | ​ | $ | 36,960 | ​
Charge-offs | ​ |  | (546) | ​ |  | — | ​ |  | — | ​ |  | (185) | ​ |  | (330) | ​ |  | (776) | ​ |  | (51) | ​ |  | (3,261) | ​ |  | — | ​ |  | (5,149) | ​
Recoveries | ​ |  | 968 | ​ |  | 132 | ​ |  | 220 | ​ |  | 306 | ​ |  | 210 | ​ |  | 343 | ​ |  | 85 | ​ |  | 689 | ​ |  | — | ​ |  | 2,953 | ​
Provision (benefit) | ​ |  | 1,408 | ​ |  | 1,413 | ​ |  | (114) | ​ |  | 1,727 | ​ |  | 159 | ​ |  | 1,079 | ​ |  | (201) | ​ |  | 3,010 | ​ |  | 203 | ​ |  | 8,684 | ​
Balance at end of period | ​ | $ | 5,921 | ​ | $ | 6,525 | ​ | $ | 8,128 | ​ | $ | 9,668 | ​ | $ | 3,250 | ​ | $ | 5,488 | ​ | $ | 1,375 | ​ | $ | 2,788 | ​ | $ | 305 | ​ | $ | 43,448 | ​
Loans individually evaluated for impairment | ​ | $ | 1,063 | ​ | $ | 125 | ​ | $ | 64 | ​ | $ | 37 | ​ | $ | 135 | ​ | $ | 15 | ​ | $ | 178 | ​ | $ | 7 | ​ | $ | — | ​ | $ | 1,624 | ​
Loans collectively evaluated for impairment | ​ | $ | 4,858 | ​ | $ | 6,400 | ​ | $ | 8,064 | ​ | $ | 9,631 | ​ | $ | 3,115 | ​ | $ | 5,473 | ​ | $ | 1,197 | ​ | $ | 2,781 | ​ | $ | 305 | ​ | $ | 41,824 | ​
Loans: | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Loans individually evaluated for impairment | ​ | $ | 43,230 | ​ | $ | 1,375 | ​ | $ | 5,642 | ​ | $ | 5,632 | ​ | $ | 3,011 | ​ | $ | 1,156 | ​ | $ | 3,138 | ​ | $ | 239 | ​ | $ | — | ​ | $ | 63,423 | ​
Loans collectively evaluated for impairment | ​ |  | 787,645 | ​ |  | 1,007,518 | ​ |  | 1,257,134 | ​ |  | 1,524,628 | ​ |  | 434,631 | ​ |  | 814,031 | ​ |  | 190,709 | ​ |  | 378,746 | ​ |  | 33,690 | ​ |  | 6,428,732 | ​
Total non-acquired loans | ​ | $ | 830,875 | ​ | $ | 1,008,893 | ​ | $ | 1,262,776 | ​ | $ | 1,530,260 | ​ | $ | 437,642 | ​ | $ | 815,187 | ​ | $ | 193,847 | ​ | $ | 378,985 | ​ | $ | 33,690 | ​ | $ | 6,492,155 | ​
​ The following tables present a disaggregated analysis of activity in the allowance for loan losses and loan balances for acquired non-credit impaired loans: ​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ |  | Construction |  | Commercial |  | Commercial |  | Consumer |  | ​ | ​ |  | ​ | ​ |  | Other Income |  | ​ | ​ |  | ​ | ​ |  | ​ | ​ |
​ | ​ | & Land | ​ | Non-owner | ​ | Owner | ​ | Owner | ​ | Home | ​ | Commercial | ​ | Producing | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ |
(Dollars in thousands) | ​ | Development | ​ | Occupied | ​ | Occupied | ​ | Occupied | ​ | Equity | ​ | & Industrial | ​ | Property | ​ | Consumer | ​ | Other | ​ | Total |
Year Ended December 31, 2019 | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Allowance for loan losses: | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Balance at beginning of period | ​ | $ | — | ​ | $ | — | ​ | $ | — | ​ | $ | — | ​ | $ | — | ​ | $ | — | ​ | $ | — | ​ | $ | — | ​ | $ | — | ​ | $ | — | ​
Charge-offs | ​ |  | (44) | ​ |  | — | ​ |  | (786) | ​ |  | (6) | ​ |  | (263) | ​ |  | (1,289) | ​ |  | (26) | ​ |  | (444) | ​ |  | — | ​ |  | (2,858) | ​
Recoveries | ​ |  | 3 | ​ |  | — | ​ |  | — | ​ |  | 26 | ​ |  | 206 | ​ |  | 190 | ​ |  | 71 | ​ |  | 51 | ​ |  | — | ​ |  | 547 | ​
Provision (benefit) | ​ |  | 41 | ​ |  | — | ​ |  | 786 | ​ |  | (20) | ​ |  | 57 | ​ |  | 1,099 | ​ |  | (45) | ​ |  | 393 | ​ |  | — | ​ |  | 2,311 | ​
Balance, December 31, 2019 | ​ | $ | — | ​ | $ | — | ​ | $ | — | ​ | $ | — | ​ | $ | — | ​ | $ | — | ​ | $ | — | ​ | $ | — | ​ | $ | — | ​ | $ | — | ​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Loans individually evaluated for impairment | ​ | $ | — | ​ | $ | — | ​ | $ | — | ​ | $ | — | ​ | $ | — | ​ | $ | — | ​ | $ | — | ​ | $ | — | ​ | $ | — | ​ | $ | — | ​
Loans collectively evaluated for impairment | ​ | $ | — | ​ | $ | — | ​ | $ | — | ​ | $ | — | ​ | $ | — | ​ | $ | — | ​ | $ | — | ​ | $ | — | ​ | $ | — | ​ | $ | — | ​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Loans: | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Loans individually evaluated for impairment | ​ | $ | — | ​ | $ | — | ​ | $ | — | ​ | $ | — | ​ | $ | — | ​ | $ | — | ​ | $ | — | ​ | $ | — | ​ | $ | — | ​ | $ | — | ​
Loans collectively evaluated for impairment | ​ |  | 33,569 | ​ |  | 447,441 | ​ |  | 307,193 | ​ |  | 496,431 | ​ |  | 188,732 | ​ |  | 101,880 | ​ |  | 95,697 | ​ |  | 89,484 | ​ |  | — | ​ |  | 1,760,427 | ​
Total acquired non-credit impaired loans | ​ | $ | 33,569 | ​ | $ | 447,441 | ​ | $ | 307,193 | ​ | $ | 496,431 | ​ | $ | 188,732 | ​ | $ | 101,880 | ​ | $ | 95,697 | ​ | $ | 89,484 | ​ | $ | — | ​ | $ | 1,760,427 | ​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Year Ended December 31, 2018 | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Allowance for loan losses: | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Balance at beginning of period | ​ | $ | — | ​ | $ | — | ​ | $ | — | ​ | $ | — | ​ | $ | — | ​ | $ | — | ​ | $ | — | ​ | $ | — | ​ | $ | — | ​ | $ | — | ​
Charge-offs | ​ |  | (107) | ​ |  | — | ​ |  | (28) | ​ |  | (70) | ​ |  | (436) | ​ |  | (1,108) | ​ |  | — | ​ |  | (465) | ​ |  | — | ​ |  | (2,214) | ​
Recoveries | ​ |  | 8 | ​ |  | — | ​ |  | — | ​ |  | 64 | ​ |  | 102 | ​ |  | 63 | ​ |  | — | ​ |  | 68 | ​ |  | — | ​ |  | 305 | ​
Provision (benefit) | ​ |  | 99 | ​ |  | — | ​ |  | 28 | ​ |  | 6 | ​ |  | 334 | ​ |  | 1,045 | ​ |  | — | ​ |  | 397 | ​ |  | — | ​ |  | 1,909 | ​
Balance, December 31, 2018 | ​ | $ | — | ​ | $ | — | ​ | $ | — | ​ | $ | — | ​ | $ | — | ​ | $ | — | ​ | $ | — | ​ | $ | — | ​ | $ | — | ​ | $ | — | ​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Loans individually evaluated for impairment | ​ | $ | — | ​ | $ | — | ​ | $ | — | ​ | $ | — | ​ | $ | — | ​ | $ | — | ​ | $ | — | ​ | $ | — | ​ | $ | — | ​ | $ | — | ​
Loans collectively evaluated for impairment | ​ | $ | — | ​ | $ | — | ​ | $ | — | ​ | $ | — | ​ | $ | — | ​ | $ | — | ​ | $ | — | ​ | $ | — | ​ | $ | — | ​ | $ | — | ​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Loans: | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Loans individually evaluated for impairment | ​ | $ | — | ​ | $ | — | ​ | $ | — | ​ | $ | — | ​ | $ | — | ​ | $ | — | ​ | $ | — | ​ | $ | — | ​ | $ | — | ​ | $ | — | ​
Loans collectively evaluated for impairment | ​ |  | 165,070 | ​ |  | 679,253 | ​ |  | 421,841 | ​ |  | 628,813 | ​ |  | 242,425 | ​ |  | 212,537 | ​ |  | 133,110 | ​ |  | 111,777 | ​ |  | — | ​ |  | 2,594,826 | ​
Total acquired non-credit impaired loans | ​ | $ | 165,070 | ​ | $ | 679,253 | ​ | $ | 421,841 | ​ | $ | 628,813 | ​ | $ | 242,425 | ​ | $ | 212,537 | ​ | $ | 133,110 | ​ | $ | 111,777 | ​ | $ | — | ​ | $ | 2,594,826 | ​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Year Ended December 31, 2017 | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Allowance for loan losses: | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Balance at beginning of period | ​ | $ | — | ​ | $ | — | ​ | $ | — | ​ | $ | — | ​ | $ | — | ​ | $ | — | ​ | $ | — | ​ | $ | — | ​ | $ | — | ​ | $ | — | ​
Charge-offs | ​ |  | (82) | ​ |  | — | ​ |  | — | ​ |  | (150) | ​ |  | (859) | ​ |  | (71) | ​ |  | — | ​ |  | (468) | ​ |  | — | ​ |  | (1,630) | ​
Recoveries | ​ |  | 4 | ​ |  | — | ​ |  | 2 | ​ |  | 41 | ​ |  | 393 | ​ |  | 6 | ​ |  | 8 | ​ |  | 23 | ​ |  | — | ​ |  | 477 | ​
Provision (benefit) | ​ |  | 78 | ​ |  | — | ​ |  | (2) | ​ |  | 109 | ​ |  | 466 | ​ |  | 65 | ​ |  | (8) | ​ |  | 445 | ​ |  | — | ​ |  | 1,153 | ​
Balance, December 31, 2017 | ​ | $ | — | ​ | $ | — | ​ | $ | — | ​ | $ | — | ​ | $ | — | ​ | $ | — | ​ | $ | — | ​ | $ | — | ​ | $ | — | ​ | $ | — | ​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Loans individually evaluated for impairment | ​ | $ | — | ​ | $ | — | ​ | $ | — | ​ | $ | — | ​ | $ | — | ​ | $ | — | ​ | $ | — | ​ | $ | — | ​ | $ | — | ​ | $ | — | ​
Loans collectively evaluated for impairment | ​ | $ | — | ​ | $ | — | ​ | $ | — | ​ | $ | — | ​ | $ | — | ​ | $ | — | ​ | $ | — | ​ | $ | — | ​ | $ | — | ​ | $ | — | ​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Loans: | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Loans individually evaluated for impairment | ​ | $ | — | ​ | $ | — | ​ | $ | — | ​ | $ | — | ​ | $ | — | ​ | $ | — | ​ | $ | — | ​ | $ | — | ​ | $ | — | ​ | $ | — | ​
Loans collectively evaluated for impairment | ​ |  | 403,357 | ​ |  | 817,166 | ​ |  | 521,818 | ​ |  | 710,611 | ​ |  | 320,591 | ​ |  | 398,696 | ​ |  | 196,669 | ​ |  | 137,710 | ​ |  | 1,289 | ​ |  | 3,507,907 | ​
Total acquired non-credit impaired loans | ​ | $ | 403,357 | ​ | $ | 817,166 | ​ | $ | 521,818 | ​ | $ | 710,611 | ​ | $ | 320,591 | ​ | $ | 398,696 | ​ | $ | 196,669 | ​ | $ | 137,710 | ​ | $ | 1,289 | ​ | $ | 3,507,907 | ​
​ The following tables present a disaggregated analysis of activity in the allowance for loan losses and loan balances for acquired credit impaired loans: ​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ |  | ​ | ​ |  | Commercial |  | ​ | ​ |  | ​ | ​ |  | ​ | ​ |  | ​ | ​ |
​ | ​ | ​ | ​ | ​ | Real Estate- | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ |
​ | ​ | Commercial | ​ | Construction and | ​ | Residential | ​ | ​ | ​ | ​ | Commercial | ​ | ​ | ​ |
(Dollars in thousands) | ​ | Real Estate | ​ | Development | ​ | Real Estate | ​ | Consumer | ​ | and Industrial | ​ | Total |
Year Ended December 31, 2019: | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Allowance for loan losses: | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Balance, December 31, 2018 | ​ | $ | 801 | ​ | $ | 717 | ​ | $ | 2,246 | ​ | $ | 761 | ​ | $ | 79 | ​ | $ | 4,604 | ​
Provision for loan losses | ​ |  | 577 | ​ |  | (148) | ​ |  | 716 | ​ |  | (222) | ​ |  | 260 | ​ |  | 1,183 | ​
Reduction due to loan removals | ​ |  | (1) | ​ |  | — | ​ |  | (407) | ​ |  | — | ​ |  | (315) | ​ |  | (723) | ​
Balance, December 31, 2019 | ​ | $ | 1,377 | ​ | $ | 569 | ​ | $ | 2,555 | ​ | $ | 539 | ​ | $ | 24 | ​ | $ | 5,064 | ​
Loans individually evaluated for impairment | ​ | $ | — | ​ | $ | — | ​ | $ | — | ​ | $ | — | ​ | $ | — | ​ | $ | — | ​
Loans collectively evaluated for impairment | ​ | $ | 1,377 | ​ | $ | 569 | ​ | $ | 2,555 | ​ | $ | 539 | ​ | $ | 24 | ​ | $ | 5,064 | ​
Loans:* | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Loans individually evaluated for impairment | ​ | $ | — | ​ | $ | — | ​ | $ | — | ​ | $ | — | ​ | $ | — | ​ | $ | — | ​
Loans collectively evaluated for impairment | ​ |  | 130,938 | ​ |  | 25,032 | ​ |  | 163,359 | ​ |  | 35,488 | ​ |  | 7,029 | ​ |  | 361,846 | ​
Total acquired credit impaired loans | ​ | $ | 130,938 | ​ | $ | 25,032 | ​ | $ | 163,359 | ​ | $ | 35,488 | ​ | $ | 7,029 | ​ | $ | 361,846 | ​
Year Ended December 31, 2018: | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Allowance for loan losses: | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Balance, December 31, 2017 | ​ | $ | 288 | ​ | $ | 180 | ​ | $ | 3,553 | ​ | $ | 461 | ​ | $ | 145 | ​ | $ | 4,627 | ​
Provision for loan losses | ​ |  | 532 | ​ |  | 657 | ​ |  | (892) | ​ |  | 303 | ​ |  | 511 | ​ |  | 1,111 | ​
Reduction due to loan removals | ​ |  | (19) | ​ |  | (120) | ​ |  | (415) | ​ |  | (3) | ​ |  | (577) | ​ |  | (1,134) | ​
Balance, December 31, 2018 | ​ | $ | 801 | ​ | $ | 717 | ​ | $ | 2,246 | ​ | $ | 761 | ​ | $ | 79 | ​ | $ | 4,604 | ​
Loans individually evaluated for impairment | ​ | $ | — | ​ | $ | — | ​ | $ | — | ​ | $ | — | ​ | $ | — | ​ | $ | — | ​
Loans collectively evaluated for impairment | ​ | $ | 801 | ​ | $ | 717 | ​ | $ | 2,246 | ​ | $ | 761 | ​ | $ | 79 | ​ | $ | 4,604 | ​
Loans:* | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Loans individually evaluated for impairment | ​ | $ | — | ​ | $ | — | ​ | $ | — | ​ | $ | — | ​ | $ | — | ​ | $ | — | ​
Loans collectively evaluated for impairment | ​ |  | 196,764 | ​ |  | 32,942 | ​ |  | 207,482 | ​ |  | 42,492 | ​ |  | 10,043 | ​ |  | 489,723 | ​
Total acquired credit impaired loans | ​ | $ | 196,764 | ​ | $ | 32,942 | ​ | $ | 207,482 | ​ | $ | 42,492 | ​ | $ | 10,043 | ​ | $ | 489,723 | ​
Year Ended December 31, 2017: | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Allowance for loan losses: | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Balance, December 31, 2016 | ​ | $ | 41 | ​ | $ | 139 | ​ | $ | 2,419 | ​ | $ | 558 | ​ | $ | 238 | ​ | $ | 3,395 | ​
Provision for loan losses | ​ |  | 247 | ​ |  | 163 | ​ |  | 1,662 | ​ |  | (83) | ​ |  | 64 | ​ |  | 2,053 | ​
Reduction due to loan removals | ​ |  | — | ​ |  | (122) | ​ |  | (528) | ​ |  | (14) | ​ |  | (157) | ​ |  | (821) | ​
Balance, December 31, 2017 | ​ | $ | 288 | ​ | $ | 180 | ​ | $ | 3,553 | ​ | $ | 461 | ​ | $ | 145 | ​ | $ | 4,627 | ​
Loans individually evaluated for impairment | ​ | $ | — | ​ | $ | — | ​ | $ | — | ​ | $ | — | ​ | $ | — | ​ | $ | — | ​
Loans collectively evaluated for impairment | ​ | $ | 288 | ​ | $ | 180 | ​ | $ | 3,553 | ​ | $ | 461 | ​ | $ | 145 | ​ | $ | 4,627 | ​
Loans:* | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Loans individually evaluated for impairment | ​ | $ | — | ​ | $ | — | ​ | $ | — | ​ | $ | — | ​ | $ | — | ​ | $ | — | ​
Loans collectively evaluated for impairment | ​ |  | 234,595 | ​ |  | 49,649 | ​ |  | 260,787 | ​ |  | 51,453 | ​ |  | 26,946 | ​ |  | 623,430 | ​
Total acquired credit impaired loans | ​ | $ | 234,595 | ​ | $ | 49,649 | ​ | $ | 260,787 | ​ | $ | 51,453 | ​ | $ | 26,946 | ​ | $ | 623,430 | ​
* The carrying value of acquired credit impaired loans includes a non-accretable difference which is primarily associated with the assessment of credit quality of acquired loans. As part of the on-going monitoring of the credit quality of the Company’s loan portfolio, management tracks certain credit quality indicators including trends related to (i) the level of classified loans, (ii) net charge-offs, (iii) non-performing loans (see details below) and (iv) the general economic conditions of the markets that we serve. The Company utilizes a risk grading matrix to assign a risk grade to each of its loans. A description of the general characteristics of the risk grades is as follows:
| ● | Pass—These loans range from minimal credit risk to average however still acceptable credit risk.
| ● | Special mention—A special mention loan has potential weaknesses that deserve management’s close attention. If left uncorrected, these potential weaknesses may result in deterioration of the repayment prospects for the loan or the institution’s credit position at some future date.
| ● | Substandard—A substandard loan is inadequately protected by the current sound worth and paying capacity of the obligor or of the collateral pledged, if any. Loans so classified must have a well-defined weakness, or weaknesses, that may jeopardize the liquidation of the debt. A substandard loan is characterized by the distinct possibility that the Bank will sustain some loss if the deficiencies are not corrected.
| ● | Doubtful—A doubtful loan has all of the weaknesses inherent in one classified as substandard with the added characteristic that the weaknesses make collection or liquidation in full, on the basis of the currently existing facts, conditions and values, highly questionable and improbable.
The following table presents the credit risk profile by risk grade of commercial non-acquired loans: ​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | Construction & Development | ​ | Commercial Non-owner Occupied | ​ | Commercial Owner Occupied
​ | ​ | December 31, | ​ | December 31, | ​ | December 31, | ​ | December 31, | ​ | December 31, | ​ | December 31,
(Dollars in thousands) |  | 2019 |  | 2018 |  | 2019 |  | 2018 |  | 2019 |  | 2018
Pass | ​ | $ | 959,206 | ​ | $ | 832,612 | ​ | $ | 1,787,306 | ​ | $ | 1,407,744 | ​ | $ | 1,754,801 | ​ | $ | 1,480,267
Special mention | ​ |  | 7,095 | ​ |  | 6,015 | ​ |  | 22,410 | ​ |  | 6,427 | ​ |  | 19,742 | ​ |  | 24,576
Substandard | ​ |  | 2,059 | ​ |  | 2,818 | ​ |  | 1,422 | ​ |  | 1,380 | ​ |  | 9,474 | ​ |  | 12,708
Doubtful | ​ |  | — | ​ |  | — | ​ |  | — | ​ |  | — | ​ |  | — | ​ |  | —
​ | ​ | $ | 968,360 | ​ | $ | 841,445 | ​ | $ | 1,811,138 | ​ | $ | 1,415,551 | ​ | $ | 1,784,017 | ​ | $ | 1,517,551
​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | Commercial & Industrial | ​ | Other Income Producing Property | ​ | Commercial Total |
​ | ​ | December 31, | ​ | December 31, | ​ | December 31, | ​ | December 31, | ​ | December 31, | ​ | December 31, |
​ |  | 2019 |  | 2018 |  | 2019 |  | 2018 |  | 2019 |  | 2018 |
Pass | ​ | $ | 1,256,465 | ​ | $ | 1,037,915 | ​ | $ | 213,291 | ​ | $ | 208,186 | ​ | $ | 5,971,069 | ​ | $ | 4,966,724 | ​
Special mention | ​ |  | 16,055 | ​ |  | 5,887 | ​ |  | 3,966 | ​ |  | 4,706 | ​ |  | 69,268 | ​ |  | 47,611 | ​
Substandard | ​ |  | 8,339 | ​ |  | 11,150 | ​ |  | 1,360 | ​ |  | 1,461 | ​ |  | 22,654 | ​ |  | 29,517 | ​
Doubtful | ​ |  | — | ​ |  | — | ​ |  | — | ​ |  | — | ​ |  | — | ​ |  | — | ​
​ | ​ | $ | 1,280,859 | ​ | $ | 1,054,952 | ​ | $ | 218,617 | ​ | $ | 214,353 | ​ | $ | 6,062,991 | ​ | $ | 5,043,852 | ​
​ The following table presents the credit risk profile by risk grade of consumer non-acquired loans: ​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | Consumer Owner Occupied | ​ | Home Equity | ​ | Consumer
​ | ​ | December 31, | ​ | December 31, | ​ | December 31, | ​ | December 31, | ​ | December 31, | ​ | December 31,
(Dollars in thousands) |  | 2019 |  | 2018 |  | 2019 |  | 2018 |  | 2019 |  | 2018
Pass | ​ | $ | 2,094,080 | ​ | $ | 1,909,427 | ​ | $ | 508,054 | ​ | $ | 481,607 | ​ | $ | 536,002 | ​ | $ | 446,823
Special mention | ​ |  | 9,585 | ​ |  | 11,304 | ​ |  | 4,490 | ​ |  | 7,293 | ​ |  | 487 | ​ |  | 437
Substandard | ​ |  | 15,174 | ​ |  | 15,534 | ​ |  | 6,084 | ​ |  | 6,248 | ​ |  | 1,992 | ​ |  | 1,404
Doubtful | ​ |  | — | ​ |  | — | ​ |  | — | ​ |  | — | ​ |  | — | ​ |  | —
​ | ​ | $ | 2,118,839 | ​ | $ | 1,936,265 | ​ | $ | 518,628 | ​ | $ | 495,148 | ​ | $ | 538,481 | ​ | $ | 448,664
​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | Other | ​ | Consumer Total
​ |  | December 31, 2019 |  | December 31, 2018 |  | December 31, 2019 |  | December 31, 2018
Pass | ​ | $ | 13,892 | ​ | $ | 9,357 | ​ | $ | 3,152,028 | ​ | $ | 2,847,214
Special mention | ​ |  | — | ​ |  | — | ​ |  | 14,562 | ​ |  | 19,034
Substandard | ​ |  | — | ​ |  | — | ​ |  | 23,250 | ​ |  | 23,186
Doubtful | ​ |  | — | ​ |  | — | ​ |  | — | ​ |  | —
​ | ​ | $ | 13,892 | ​ | $ | 9,357 | ​ | $ | 3,189,840 | ​ | $ | 2,889,434
​ The following table presents the credit risk profile by risk grade of total non-acquired loans: ​
​ | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | Total Non-acquired Loans
​ | ​ | December 31, | ​ | December 31,
(Dollars in thousands) |  | 2019 |  | 2018
Pass | ​ | $ | 9,123,097 | ​ | $ | 7,813,938
Special mention | ​ |  | 83,830 | ​ |  | 66,645
Substandard | ​ |  | 45,904 | ​ |  | 52,703
Doubtful | ​ |  | — | ​ |  | —
​ | ​ | $ | 9,252,831 | ​ | $ | 7,933,286
​ At December 31, 2019, the aggregate amount of non-acquired substandard and doubtful loans totaled $45.9 million. When these loans are combined with non-acquired OREO of $3.6 million, our non-acquired classified assets (as defined by the South Carolina Board of Financial Institutions and the FDIC, our primary regulators) were $49.5 million. At December 31, 2018, the amounts were $52.7 million, $3.9 million, and $56.6 million, respectively. The following table presents the credit risk profile by risk grade of commercial loans for acquired non-credit impaired loans: ​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ |  | ​ | ​ | ​ | ​ | ​ | ​ | ​ | Commercial Non-owner | ​ | ​ | ​ | ​ | ​ | ​ |
​ |  | ​ | Construction & Development | ​ | Occupied | ​ | Commercial Owner Occupied |
​ |  | ​ | December 31, | ​ | December 31, | ​ | December 31, |
(Dollars in thousands) |  | ​ | 2019 | ​ | 2018 | ​ | 2019 | ​ | 2018 | ​ | 2019 | ​ | 2018 |
Pass | ​ |  | $ | 31,690 |  | $ | 163,777 |  | $ | 432,710 |  | $ | 665,913 |  | $ | 300,678 |  | $ | 411,783 | ​
Special mention | ​ | ​ |  | 966 | ​ |  | 838 | ​ |  | 14,162 | ​ |  | 13,018 | ​ |  | 3,092 | ​ |  | 5,664 | ​
Substandard | ​ | ​ |  | 913 | ​ |  | 455 | ​ |  | 569 | ​ |  | 322 | ​ |  | 3,423 | ​ |  | 4,394 | ​
Doubtful | ​ | ​ |  | — | ​ |  | — | ​ |  | — | ​ |  | — | ​ |  | — | ​ |  | — | ​
​ | ​ | ​ | $ | 33,569 | ​ | $ | 165,070 | ​ | $ | 447,441 | ​ | $ | 679,253 | ​ | $ | 307,193 | ​ | $ | 421,841 | ​
​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ |  | ​ | ​ | ​ | ​ | ​ | ​ | Other Income Producing | ​ | ​
​ | ​ |  | Commercial & Industrial | ​ | Property | ​ | Commercial Total
​ | ​ |  | December 31, | ​ | December 31, | ​ | December 31,
​ |  |  | 2019 | ​ | 2018 | ​ | 2019 | ​ | 2018 | ​ | 2019 | ​ | 2018
Pass | ​ | ​ | $ | 97,092 |  | $ | 202,399 |  | $ | 87,892 |  | $ | 125,399 |  | $ | 950,062 |  | $ | 1,569,271
Special mention | ​ | ​ |  | 2,948 | ​ |  | 6,523 | ​ |  | 5,837 | ​ |  | 6,419 | ​ |  | 27,005 | ​ |  | 32,462
Substandard | ​ | ​ |  | 1,840 | ​ |  | 3,615 | ​ |  | 1,968 | ​ |  | 1,292 | ​ |  | 8,713 | ​ |  | 10,078
Doubtful | ​ | ​ |  | — | ​ |  | — | ​ |  | — | ​ |  | — | ​ |  | — | ​ |  | —
​ | ​ | ​ | $ | 101,880 | ​ | $ | 212,537 | ​ | $ | 95,697 | ​ | $ | 133,110 | ​ | $ | 985,780 | ​ | $ | 1,611,811
​ The following table presents the credit risk profile by risk grade of consumer loans for acquired non-credit impaired loans: ​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | ​ | Consumer Owner Occupied | ​ | Home Equity | ​ | Consumer |
​ | ​ | ​ | December 31, | ​ | December 31, | ​ | December 31, |
(Dollars in thousands) |  | ​ | 2019 | ​ | 2018 | ​ | 2019 | ​ | 2018 | ​ | 2019 | ​ | 2018 |
Pass | ​ | ​ | $ | 486,433 |  | $ | 617,391 |  | $ | 174,912 |  | $ | 227,515 |  | $ | 86,535 |  | $ | 108,833 | ​
Special mention | ​ | ​ |  | 6,434 | ​ |  | 7,868 | ​ |  | 5,679 | ​ |  | 7,688 | ​ |  | 654 | ​ |  | 698 | ​
Substandard | ​ | ​ |  | 3,564 | ​ |  | 3,554 | ​ |  | 8,141 | ​ |  | 7,222 | ​ |  | 2,295 | ​ |  | 2,246 | ​
Doubtful | ​ | ​ |  | — | ​ |  | — | ​ |  | — | ​ |  | — | ​ |  | — | ​ |  | — | ​
​ | ​ | ​ | $ | 496,431 | ​ | $ | 628,813 | ​ | $ | 188,732 | ​ | $ | 242,425 | ​ | $ | 89,484 | ​ | $ | 111,777 | ​
​
​ | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | Consumer Total
​ | ​ | December 31,
​ | ​ | 2019 | ​ | 2018
Pass | ​ | $ | 747,880 |  | $ | 953,739
Special mention | ​ |  | 12,767 | ​ |  | 16,254
Substandard | ​ |  | 14,000 | ​ |  | 13,022
Doubtful | ​ |  | — | ​ |  | —
​ | ​ | $ | 774,647 | ​ | $ | 983,015
​ The following table presents the credit risk profile by risk grade of total acquired non-credit impaired loans: ​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | ​ | Total Acquired | ​
​ | ​ | ​ | Non-credit Impaired Loans | ​
​ | ​ | ​ | December 31, | ​
(Dollars in thousands) |  | ​ | 2019 | ​ | 2018 | ​
Pass | ​ |  | $ | 1,697,942 |  | $ | 2,523,010 |
Special mention | ​ | ​ |  | 39,772 | ​ |  | 48,716 | ​
Substandard | ​ | ​ |  | 22,713 | ​ |  | 23,100 | ​
Doubtful | ​ | ​ |  | — | ​ |  | — | ​
​ | ​ | ​ | $ | 1,760,427 | ​ | $ | 2,594,826 | ​
​ The following table presents the credit risk profile by risk grade of acquired credit impaired loans (identified as credit-impaired at the time of acquisition), net of the related discount (this table should be read in conjunction with the allowance for acquired loan losses table found on page F-41): ​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ |  | ​ | ​ | ​ | ​ | ​ | ​ | ​ | Commercial Real Estate— |
​ |  | ​ | ​ | ​ | ​ | ​ | ​ | ​ | Construction and |
​ |  | ​ | Commercial Real Estate | ​ | Development |
​ |  | ​ | December 31, | ​ | December 31, |
(Dollars in thousands) |  | ​ | 2019 | ​ | 2018 | ​ | 2019 | ​ | 2018 |
Pass | ​ |  | $ | 108,762 |  | $ | 160,788 |  | $ | 17,756 |  | $ | 20,293 | ​
Special mention | ​ | ​ |  | 6,465 | ​ |  | 14,393 | ​ |  | 2,904 | ​ |  | 3,001 | ​
Substandard | ​ | ​ |  | 15,711 | ​ |  | 21,583 | ​ |  | 4,372 | ​ |  | 9,648 | ​
Doubtful | ​ | ​ |  | — | ​ |  | — | ​ |  | — | ​ |  | — | ​
​ | ​ | ​ | $ | 130,938 | ​ | $ | 196,764 | ​ | $ | 25,032 | ​ | $ | 32,942 | ​
​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | Residential Real Estate | ​ | Consumer | ​ | Commercial & Industrial |
​ | ​ | December 31, | ​ | December 31, | ​ | December 31, |
​ |  | 2019 |  | 2018 |  | 2019 |  | 2018 |  | 2019 |  | 2018 |
Pass | ​ | $ | 82,203 | ​ | $ | 104,181 | ​ | $ | 4,483 | ​ | $ | 5,751 | ​ | $ | 5,160 | ​ | $ | 5,093 | ​
Special mention | ​ |  | 35,968 | ​ |  | 41,964 | ​ |  | 12,658 | ​ |  | 14,484 | ​ |  | 286 | ​ |  | 546 | ​
Substandard | ​ |  | 45,188 | ​ |  | 61,337 | ​ |  | 18,347 | ​ |  | 22,257 | ​ |  | 1,583 | ​ |  | 4,404 | ​
Doubtful | ​ |  | — | ​ |  | — | ​ |  | — | ​ |  | — | ​ |  | — | ​ |  | — | ​
​ | ​ | $ | 163,359 | ​ | $ | 207,482 | ​ | $ | 35,488 | ​ | $ | 42,492 | ​ | $ | 7,029 | ​ | $ | 10,043 | ​
​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | ​ | Total Acquired |
​ | ​ | ​ | Credit Impaired Loans | ​
​ | ​ | ​ | December 31, |
​ |  | ​ | 2019 | ​ | 2018 |
Pass | ​ |  | $ | 218,364 |  | $ | 296,106 | ​
Special mention | ​ | ​ |  | 58,281 | ​ |  | 74,388 | ​
Substandard | ​ | ​ |  | 85,201 | ​ |  | 119,229 | ​
Doubtful | ​ | ​ |  | — | ​ |  | — | ​
​ | ​ | ​ | $ | 361,846 | ​ | $ | 489,723 | ​
​ The risk grading of acquired credit impaired loans is determined utilizing a loan’s contractual balance, while the amount recorded in the financial statements and reflected above is the carrying value. ​ The following table presents an aging analysis of past due loans, segregated by class for non-acquired loans: ​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ |  | 30 - 59 Days |  | 60 - 89 Days |  | 90+ Days |  | Total |  | ​ | ​ |  | Total
(Dollars in thousands) | ​ | Past Due | ​ | Past Due | ​ | Past Due | ​ | Past Due | ​ | Current | ​ | Loans
December 31, 2019 | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Commercial real estate: | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Construction and land development | ​ | $ | 321 | ​ | $ | 39 | ​ | $ | 255 | ​ | $ | 615 | ​ | $ | 967,745 | ​ | $ | 968,360
Commercial non-owner occupied | ​ |  | 114 | ​ |  | — | ​ |  | 299 | ​ |  | 413 | ​ |  | 1,810,725 | ​ |  | 1,811,138
Commercial owner occupied | ​ |  | 4,011 | ​ |  | 636 | ​ |  | 2,302 | ​ |  | 6,949 | ​ |  | 1,777,068 | ​ |  | 1,784,017
Consumer real estate: | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Consumer owner occupied | ​ |  | 1,157 | ​ |  | 285 | ​ |  | 2,424 | ​ |  | 3,866 | ​ |  | 2,114,973 | ​ |  | 2,118,839
Home equity loans | ​ |  | 1,343 | ​ |  | 39 | ​ |  | 562 | ​ |  | 1,944 | ​ |  | 516,684 | ​ |  | 518,628
Commercial and industrial | ​ |  | 5,531 | ​ |  | 100 | ​ |  | 649 | ​ |  | 6,280 | ​ |  | 1,274,579 | ​ |  | 1,280,859
Other income producing property | ​ |  | 208 | ​ |  | — | ​ |  | 457 | ​ |  | 665 | ​ |  | 217,952 | ​ |  | 218,617
Consumer | ​ |  | 825 | ​ |  | 285 | ​ |  | 826 | ​ |  | 1,936 | ​ |  | 536,545 | ​ |  | 538,481
Other loans | ​ |  | 25 | ​ |  | 3 | ​ |  | — | ​ |  | 28 | ​ |  | 13,864 | ​ |  | 13,892
​ | ​ | $ | 13,535 | ​ | $ | 1,387 | ​ | $ | 7,774 | ​ | $ | 22,696 | ​ | $ | 9,230,135 | ​ | $ | 9,252,831
December 31, 2018 | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Commercial real estate: | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Construction and land development | ​ | $ | 693 | ​ | $ | 305 | ​ | $ | 452 | ​ | $ | 1,450 | ​ | $ | 839,995 | ​ | $ | 841,445
Commercial non-owner occupied | ​ |  | 68 | ​ |  | 18 | ​ |  | 396 | ​ |  | 482 | ​ |  | 1,415,069 | ​ |  | 1,415,551
Commercial owner occupied | ​ |  | 1,639 | ​ |  | 1,495 | ​ |  | 904 | ​ |  | 4,038 | ​ |  | 1,513,513 | ​ |  | 1,517,551
Consumer real estate: | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Consumer owner occupied | ​ |  | 1,460 | ​ |  | 789 | ​ |  | 943 | ​ |  | 3,192 | ​ |  | 1,933,073 | ​ |  | 1,936,265
Home equity loans | ​ |  | 744 | ​ |  | 532 | ​ |  | 713 | ​ |  | 1,989 | ​ |  | 493,159 | ​ |  | 495,148
Commercial and industrial | ​ |  | 898 | ​ |  | 120 | ​ |  | 573 | ​ |  | 1,591 | ​ |  | 1,053,361 | ​ |  | 1,054,952
Other income producing property | ​ |  | 169 | ​ |  | 26 | ​ |  | 289 | ​ |  | 484 | ​ |  | 213,869 | ​ |  | 214,353
Consumer | ​ |  | 437 | ​ |  | 174 | ​ |  | 718 | ​ |  | 1,329 | ​ |  | 447,335 | ​ |  | 448,664
Other loans | ​ |  | — | ​ |  | — | ​ |  | — | ​ |  | — | ​ |  | 9,357 | ​ |  | 9,357
​ | ​ | $ | 6,108 | ​ | $ | 3,459 | ​ | $ | 4,988 | ​ | $ | 14,555 | ​ | $ | 7,918,731 | ​ | $ | 7,933,286
​ The following table presents an aging analysis of past due loans, segregated by class for acquired non-credit impaired loans: ​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ |  | 30 - 59 Days |  | 60 - 89 Days |  | 90+ Days |  | Total |  | ​ | ​ |  | Total
(Dollars in thousands) | ​ | Past Due | ​ | Past Due | ​ | Past Due | ​ | Past Due | ​ | Current | ​ | Loans
December 31, 2019 | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Commercial real estate: | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Construction and land development | ​ | $ | 20 | ​ | $ | — | ​ | $ | 256 | ​ | $ | 276 | ​ | $ | 33,293 | ​ | $ | 33,569
Commercial non-owner occupied | ​ |  | 144 | ​ |  | 1,146 | ​ |  | 76 | ​ |  | 1,366 | ​ |  | 446,075 | ​ |  | 447,441
Commercial owner occupied | ​ |  | 890 | ​ |  | 702 | ​ |  | 698 | ​ |  | 2,290 | ​ |  | 304,903 | ​ |  | 307,193
Consumer real estate: | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Consumer owner occupied | ​ |  | 768 | ​ |  | 151 | ​ |  | 414 | ​ |  | 1,333 | ​ |  | 495,098 | ​ |  | 496,431
Home equity loans | ​ |  | 369 | ​ |  | 55 | ​ |  | 1,154 | ​ |  | 1,578 | ​ |  | 187,154 | ​ |  | 188,732
Commercial and industrial | ​ |  | 93 | ​ |  | 204 | ​ |  | 17 | ​ |  | 314 | ​ |  | 101,566 | ​ |  | 101,880
Other income producing property | ​ |  | 378 | ​ |  | 4,309 | ​ |  | 551 | ​ |  | 5,238 | ​ |  | 90,459 | ​ |  | 95,697
Consumer | ​ |  | 485 | ​ |  | 613 | ​ |  | 423 | ​ |  | 1,521 | ​ |  | 87,963 | ​ |  | 89,484
​ | ​ | $ | 3,147 | ​ | $ | 7,180 | ​ | $ | 3,589 | ​ | $ | 13,916 | ​ | $ | 1,746,511 | ​ | $ | 1,760,427
December 31, 2018 | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Commercial real estate: | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Construction and land development | ​ | $ | 647 | ​ | $ | 45 | ​ | $ | 365 | ​ | $ | 1,057 | ​ | $ | 164,013 | ​ | $ | 165,070
Commercial non-owner occupied | ​ |  | 607 | ​ |  | 21 | ​ |  | 283 | ​ |  | 911 | ​ |  | 678,342 | ​ |  | 679,253
Commercial owner occupied | ​ |  | 964 | ​ |  | 1,006 | ​ |  | — | ​ |  | 1,970 | ​ |  | 419,871 | ​ |  | 421,841
Consumer real estate: | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Consumer owner occupied | ​ |  | 1,127 | ​ |  | 621 | ​ |  | 789 | ​ |  | 2,537 | ​ |  | 626,276 | ​ |  | 628,813
Home equity loans | ​ |  | 1,286 | ​ |  | 442 | ​ |  | 2,209 | ​ |  | 3,937 | ​ |  | 238,488 | ​ |  | 242,425
Commercial and industrial | ​ |  | 2,648 | ​ |  | 130 | ​ |  | 19 | ​ |  | 2,797 | ​ |  | 209,740 | ​ |  | 212,537
Other income producing property | ​ |  | 603 | ​ |  | 276 | ​ |  | 129 | ​ |  | 1,008 | ​ |  | 132,102 | ​ |  | 133,110
Consumer | ​ |  | 574 | ​ |  | 209 | ​ |  | 532 | ​ |  | 1,315 | ​ |  | 110,462 | ​ |  | 111,777
​ | ​ | $ | 8,456 | ​ | $ | 2,750 | ​ | $ | 4,326 | ​ | $ | 15,532 | ​ | $ | 2,579,294 | ​ | $ | 2,594,826
​ The following table presents an aging analysis of past due loans, segregated by class for acquired credit impaired loans: ​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ |  | 30 - 59 Days |  | 60 - 89 Days |  | 90+ Days |  | Total |  | ​ | ​ |  | Total
(Dollars in thousands) | ​ | Past Due | ​ | Past Due | ​ | Past Due | ​ | Past Due | ​ | Current | ​ | Loans
December 31, 2019 | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Commercial real estate | ​ | $ | 2,283 | ​ | $ | — | ​ | $ | 2,659 | ​ | $ | 4,942 | ​ | $ | 125,996 | ​ | $ | 130,938
Commercial real estate—construction and development | ​ |  | — | ​ |  | — | ​ |  | 393 | ​ |  | 393 | ​ |  | 24,639 | ​ |  | 25,032
Residential real estate | ​ |  | 2,838 | ​ |  | 976 | ​ |  | 5,571 | ​ |  | 9,385 | ​ |  | 153,974 | ​ |  | 163,359
Consumer | ​ |  | 820 | ​ |  | 283 | ​ |  | 534 | ​ |  | 1,637 | ​ |  | 33,851 | ​ |  | 35,488
Commercial and industrial | ​ |  | 118 | ​ |  | 910 | ​ |  | 75 | ​ |  | 1,103 | ​ |  | 5,926 | ​ |  | 7,029
​ | ​ | $ | 6,059 | ​ | $ | 2,169 | ​ | $ | 9,232 | ​ | $ | 17,460 | ​ | $ | 344,386 | ​ | $ | 361,846
December 31, 2018 | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Commercial real estate | ​ | $ | 876 | ​ | $ | 112 | ​ | $ | 4,533 | ​ | $ | 5,521 | ​ | $ | 191,243 | ​ | $ | 196,764
Commercial real estate—construction and development | ​ |  | 115 | ​ |  | 12 | ​ |  | 2,816 | ​ |  | 2,943 | ​ |  | 29,999 | ​ |  | 32,942
Residential real estate | ​ |  | 4,620 | ​ |  | 1,251 | ​ |  | 8,487 | ​ |  | 14,358 | ​ |  | 193,124 | ​ |  | 207,482
Consumer | ​ |  | 722 | ​ |  | 90 | ​ |  | 839 | ​ |  | 1,651 | ​ |  | 40,841 | ​ |  | 42,492
Commercial and industrial | ​ |  | 2,437 | ​ |  | — | ​ |  | 88 | ​ |  | 2,525 | ​ |  | 7,518 | ​ |  | 10,043
​ | ​ | $ | 8,770 | ​ | $ | 1,465 | ​ | $ | 16,763 | ​ | $ | 26,998 | ​ | $ | 462,725 | ​ | $ | 489,723
​ The following is a summary of information pertaining to impaired non-acquired loans: ​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ |  | Unpaid |  | Recorded |  | Gross |  | ​ | ​ |  | ​ | ​
​ | ​ | Contractual | ​ | Investment | ​ | Recorded | ​ | Total | ​ | ​ | ​
​ | ​ | Principal | ​ | With No | ​ | Investment | ​ | Recorded | ​ | Related
(Dollars in thousands) | ​ | Balance | ​ | Allowance | ​ | With Allowance | ​ | Investment | ​ | Allowance
December 31, 2019 | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Commercial real estate: | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Construction and land development | ​ | $ | 35,577 | ​ | $ | 223 | ​ | $ | 34,978 | ​ | $ | 35,201 | ​ | $ | 617
Commercial non-owner occupied | ​ |  | 385 | ​ |  | 368 | ​ |  | 11 | ​ |  | 379 | ​ |  | —
Commercial owner occupied | ​ |  | 7,689 | ​ |  | 4,836 | ​ |  | 1,739 | ​ |  | 6,575 | ​ |  | 24
Consumer real estate: | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Consumer owner occupied | ​ |  | 5,410 | ​ |  | 1,969 | ​ |  | 3,172 | ​ |  | 5,141 | ​ |  | 102
Home equity loans | ​ |  | 2,605 | ​ |  | 1,184 | ​ |  | 1,277 | ​ |  | 2,461 | ​ |  | 132
Commercial and industrial | ​ |  | 7,378 | ​ |  | 5,929 | ​ |  | 649 | ​ |  | 6,578 | ​ |  | 366
Other income producing property | ​ |  | 2,423 | ​ |  | 415 | ​ |  | 1,609 | ​ |  | 2,024 | ​ |  | 50
Consumer | ​ |  | 233 | ​ |  | — | ​ |  | 173 | ​ |  | 173 | ​ |  | 55
Total | ​ | $ | 61,700 | ​ | $ | 14,924 | ​ | $ | 43,608 | ​ | $ | 58,532 | ​ | $ | 1,346
December 31, 2018 | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Commercial real estate: | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Construction and land development | ​ | $ | 38,314 | ​ | $ | 339 | ​ | $ | 37,574 | ​ | $ | 37,913 | ​ | $ | 788
Commercial non-owner occupied | ​ |  | 1,157 | ​ |  | 536 | ​ |  | 489 | ​ |  | 1,025 | ​ |  | 70
Commercial owner occupied | ​ |  | 5,085 | ​ |  | 3,101 | ​ |  | 1,041 | ​ |  | 4,142 | ​ |  | 27
Consumer real estate: | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Consumer owner occupied | ​ |  | 7,291 | ​ |  | 4,992 | ​ |  | 1,769 | ​ |  | 6,761 | ​ |  | 41
Home equity loans | ​ |  | 2,953 | ​ |  | 1,129 | ​ |  | 1,697 | ​ |  | 2,826 | ​ |  | 142
Commercial and industrial | ​ |  | 1,332 | ​ |  | 467 | ​ |  | 824 | ​ |  | 1,291 | ​ |  | 416
Other income producing property | ​ |  | 3,117 | ​ |  | 150 | ​ |  | 2,722 | ​ |  | 2,872 | ​ |  | 142
Consumer | ​ |  | 211 | ​ |  | — | ​ |  | 188 | ​ |  | 188 | ​ |  | 2
Total | ​ | $ | 59,460 | ​ | $ | 10,714 | ​ | $ | 46,304 | ​ | $ | 57,018 | ​ | $ | 1,628
​ Acquired credit impaired loans are accounted for in pools as shown on page F-35 rather than being individually evaluated for impairment; therefore, the table above excludes acquired credit impaired loans. The following summarizes the average investment in impaired non-acquired loans, and interest income recognized on these loans: ​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | Year Ended December 31, |
​ | ​ | 2019 | ​ | 2018 | ​ | 2017 |
​ | ​ | Average | ​ | ​ | ​ | ​ | Average | ​ | ​ | ​ | ​ | Average | ​ | ​ |
​ | ​ | Investment in | ​ | Interest Income | ​ | Investment in | ​ | Interest Income | ​ | Investment in | ​ | Interest Income |
(Dollars in thousands) |  | Impaired Loans |  | Recognized |  | Impaired Loans |  | Recognized |  | Impaired Loans |  | Recognized |
Commercial real estate: | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Construction and land development | ​ | $ | 36,556 | ​ | $ | 1,014 | ​ | $ | 40,571 | ​ | $ | 1,201 | ​ | $ | 23,132 | ​ | $ | 1,138 | ​
Commercial non-owner occupied | ​ |  | 702 | ​ |  | 15 | ​ |  | 1,200 | ​ |  | 28 | ​ | ​ | 1,091 | ​ | ​ | 45 | ​
Commercial owner occupied | ​ |  | 5,358 | ​ |  | 370 | ​ |  | 4,892 | ​ |  | 288 | ​ | ​ | 5,943 | ​ | ​ | 268 | ​
Consumer real estate: | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Consumer owner occupied | ​ |  | 5,951 | ​ |  | 185 | ​ |  | 6,197 | ​ |  | 212 | ​ | ​ | 5,653 | ​ | ​ | 195 | ​
Home equity loans | ​ |  | 2,644 | ​ |  | 138 | ​ |  | 2,919 | ​ |  | 126 | ​ | ​ | 2,343 | ​ | ​ | 113 | ​
Commercial and industrial | ​ |  | 3,935 | ​ |  | 324 | ​ |  | 1,224 | ​ |  | 57 | ​ | ​ | 1,209 | ​ | ​ | 48 | ​
Other income producing property | ​ |  | 2,448 | ​ |  | 84 | ​ |  | 3,005 | ​ |  | 155 | ​ | ​ | 2,755 | ​ | ​ | 171 | ​
Consumer | ​ |  | 181 | ​ |  | 4 | ​ |  | 213 | ​ |  | 1 | ​ | ​ | 192 | ​ | ​ | 6 | ​
Total Impaired Loans | ​ | $ | 57,775 | ​ | $ | 2,134 | ​ | $ | 60,221 | ​ | $ | 2,068 | ​ | $ | 42,318 | ​ | $ | 1,984 | ​
​ The following is a summary of information pertaining to non-acquired nonaccrual loans by class, including restructured loans: ​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | ​ | December 31, |
(Dollars in thousands) |  |  | 2019 |  | 2018 |
Commercial non-owner occupied real estate: | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Construction and land development | ​ | ​ | $ | 363 | ​ | $ | 424 | ​
Commercial non-owner occupied | ​ | ​ |  | 732 | ​ |  | 831 | ​
Total commercial non-owner occupied real estate | ​ | ​ |  | 1,095 | ​ |  | 1,255 | ​
Consumer real estate: | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Consumer owner occupied | ​ | ​ |  | 7,202 | ​ |  | 7,109 | ​
Home equity loans | ​ | ​ |  | 1,468 | ​ |  | 2,333 | ​
Total consumer real estate | ​ | ​ |  | 8,670 | ​ |  | 9,442 | ​
Commercial owner occupied real estate | ​ | ​ |  | 3,482 | ​ |  | 1,068 | ​
Commercial and industrial | ​ | ​ |  | 4,092 | ​ |  | 647 | ​
Other income producing property | ​ | ​ |  | 798 | ​ |  | 500 | ​
Consumer | ​ | ​ |  | 1,587 | ​ |  | 1,267 | ​
Restructured loans | ​ | ​ |  | 2,578 | ​ |  | 648 | ​
Total loans on nonaccrual status | ​ | ​ | $ | 22,302 | ​ | $ | 14,827 | ​
​ The following is a summary of information pertaining to acquired non-credit impaired nonaccrual loans by class, including restructured loans: ​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | ​ | December 31,
(Dollars in thousands) | ​ |  | 2019 |  | 2018
Commercial non-owner occupied real estate: | ​ | ​ | ​ | ​ | ​ | ​ | ​
Construction and land development | ​ | ​ | $ | 699 | ​ | $ | 252
Commercial non-owner occupied | ​ | ​ | ​ | 393 | ​ | ​ | 283
Total commercial non-owner occupied real estate | ​ | ​ | ​ | 1,092 | ​ | ​ | 535
Consumer real estate: | ​ | ​ | ​ | ​ | ​ | ​ | ​
Consumer owner occupied | ​ | ​ | ​ | 2,350 | ​ | ​ | 3,864
Home equity loans | ​ | ​ | ​ | 3,067 | ​ | ​ | 4,512
Total consumer real estate | ​ | ​ | ​ | 5,417 | ​ | ​ | 8,376
Commercial owner occupied real estate | ​ | ​ | ​ | 903 | ​ | ​ | 1,470
Commercial and industrial | ​ | ​ | ​ | 722 | ​ | ​ | 1,296
Other income producing property | ​ | ​ | ​ | 1,101 | ​ | ​ | 244
Consumer | ​ | ​ | ​ | 1,604 | ​ | ​ | 1,568
Total loans on nonaccrual status | ​ | ​ | $ | 10,839 | ​ | $ | 13,489
​ In the course of resolving delinquent loans, the Bank may choose to restructure the contractual terms of certain loans. Any loans that are modified are reviewed by the Bank to determine if a troubled debt restructuring (“TDR” or “restructured loan”) has occurred. A TDR is a modification in which the Bank grants a concession to a borrower that it would not otherwise consider due to economic or legal reasons related to a borrower’s financial difficulties. The concessions granted on TDRs generally include terms to reduce the interest rate, extend the term of the debt obligation, or modify the payment structure on the debt obligation. The Bank designates loan modifications as TDRs when it grants a concession to the borrower that it would not otherwise consider due to the borrower experiencing financial difficulty (FASB ASC Topic 310-40). Loans on nonaccrual status at the date of modification are initially classified as nonaccrual TDRs. Loans on accruing status at the date of concession are initially classified as accruing TDRs if the note is reasonably assured of repayment and performance is expected in accordance with its modified terms. Such loans may be designated as nonaccrual loans subsequent to the concession date if reasonable doubt exists as to the collection of interest or principal under the restructuring agreement. Nonaccrual TDRs are returned to accruing status when there is economic substance to the restructuring, there is documented credit evaluation of the borrower’s financial condition, the remaining balance is reasonably assured of repayment in accordance with its modified terms, and the borrower has demonstrated sustained repayment performance in accordance with the modified terms for a reasonable period of time (generally a minimum of six months). For the twelve months ended December 31, 2019 and 2018, the Company’s TDRs were not material.

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- Definition The entire disclosure for claims held for amounts due a entity, excluding financing receivables. Examples include, but are not limited to, trade accounts receivables, notes receivables, loans receivables. Includes disclosure for allowance for credit losses. + References Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef -Publisher FASB -Name Accounting Standards Codification -Topic 310 -SubTopic 10 -URI http://asc.fasb.org/subtopic&trid=2196772 + Details
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