XML 21 R13.htm IDEA: XBRL DOCUMENT
v3.20.1

Loans | 3 Months Ended
--- | ---
Mar. 31, 2020
Loans |
Loans | Note 5 — Loans ​ The following is a summary of total loans: ​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | March 31, | ​ | December 31, | ​ | March 31, | ​
(Dollars in thousands) |  | 2020 |  | 2019 |  | 2019 |
Loans: | ​ | ​ |  | ​ | ​ |  | ​ | ​ |  | ​
Commercial non-owner occupied real estate: | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Construction and land development | ​ | $ | 1,105,308 | ​ | $ | 1,017,261 | ​ | $ | 946,503 | ​
Commercial non-owner occupied | ​ |  | 2,371,371 | ​ |  | 2,323,967 | ​ |  | 2,329,449 | ​
Total commercial non-owner occupied real estate | ​ |  | 3,476,679 | ​ |  | 3,341,228 | ​ |  | 3,275,952 | ​
Consumer real estate: | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Consumer owner occupied | ​ |  | 2,665,405 | ​ |  | 2,706,960 | ​ |  | 2,731,499 | ​
Home equity loans | ​ |  | 758,482 | ​ |  | 758,020 | ​ |  | 791,658 | ​
Total consumer real estate | ​ |  | 3,423,887 | ​ |  | 3,464,980 | ​ |  | 3,523,157 | ​
Commercial owner occupied real estate | ​ |  | 2,177,738 | ​ |  | 2,158,701 | ​ |  | 2,086,662 | ​
Commercial and industrial | ​ |  | 1,418,421 | ​ |  | 1,386,327 | ​ |  | 1,251,719 | ​
Other income producing property | ​ |  | 327,696 | ​ |  | 346,554 | ​ |  | 380,177 | ​
Consumer | ​ |  | 674,791 | ​ |  | 663,422 | ​ |  | 610,231 | ​
Other loans | ​ |  | 7,678 | ​ |  | 13,892 | ​ |  | 18,224 | ​
Total loans | ​ |  | 11,506,890 | ​ |  | 11,375,104 | ​ |  | 11,146,122 | ​
Less allowance for credit losses | ​ |  | (144,785) | ​ |  | (61,991) | ​ |  | (56,522) | ​
Loans, net | ​ | $ | 11,362,105 | ​ | $ | 11,313,113 | ​ | $ | 11,089,600 | ​
​ In accordance with the adoption of ASU 2016-13, the above table reflects the loan portfolio at the amortized cost basis for the current period March 31, 2020, to include net deferred cost of $817,693 and unamortized discount total related to loans acquired of $52.2 million. Accrued interest receivable (AIR) of $30.2 million is accounted for separately and reported in other assets. The allowance for credit losses in the comparative periods includes the day 2 valuation allowance on the acquired credit impaired loans, which was $5.1 million at December 31, 2019 and $4.5 million at March 31, 2019. ​ The comparative periods in the above table reflect the loan portfolio prior to the adoption of ASU 2016-13. Prior periods were reported as shown in the below tables, with the acquired loans being net of earned income and of related discounts, which includes the credit discount on the acquired credit impaired loans. ​ The following is a summary of non-acquired loans for comparative periods, prior to the adoption of ASU 2016-13: ​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | December 31, | ​ | March 31, | ​
(Dollars in thousands) |  | 2019 |  | 2019 |
Non-acquired loans: | ​ | ​ |  | ​ | ​ |  | ​
Commercial non-owner occupied real estate: | ​ | ​ | ​ | ​ | ​ | ​ | ​
Construction and land development | ​ | $ | 968,360 | ​ | $ | 810,551 | ​
Commercial non-owner occupied | ​ |  | 1,811,138 | ​ |  | 1,615,416 | ​
Total commercial non-owner occupied real estate | ​ |  | 2,779,498 | ​ |  | 2,425,967 | ​
Consumer real estate: | ​ | ​ | ​ | ​ | ​ | ​ | ​
Consumer owner occupied | ​ |  | 2,118,839 | ​ |  | 2,005,314 | ​
Home equity loans | ​ |  | 518,628 | ​ |  | 508,326 | ​
Total consumer real estate | ​ |  | 2,637,467 | ​ |  | 2,513,640 | ​
Commercial owner occupied real estate | ​ |  | 1,784,017 | ​ |  | 1,601,360 | ​
Commercial and industrial | ​ |  | 1,280,859 | ​ |  | 1,072,070 | ​
Other income producing property | ​ |  | 218,617 | ​ |  | 214,235 | ​
Consumer | ​ |  | 538,481 | ​ |  | 465,117 | ​
Other loans | ​ |  | 13,892 | ​ |  | 18,224 | ​
Total non-acquired loans | ​ |  | 9,252,831 | ​ |  | 8,310,613 | ​
Less allowance for loan losses | ​ |  | (56,927) | ​ |  | (52,008) | ​
Non-acquired loans, net | ​ | $ | 9,195,904 | ​ | $ | 8,258,605 | ​
​ The following is a summary of acquired non-credit impaired loans accounted for under FASB ASC Topic 310-20, net of related discount, for comparative periods, prior to the adoption of ASU 2016-13: ​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | December 31, | ​ | March 31, |  |
(Dollars in thousands) | ​ | 2019 | ​ | 2019 |  |
Acquired non-credit impaired loans: |  | ​ |  |  | ​ |  | ​ | ​
Commercial non-owner occupied real estate: | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Construction and land development | ​ | $ | 33,569 | ​ | $ | 113,572 | ​ | ​
Commercial non-owner occupied | ​ |  | 447,441 | ​ |  | 629,394 | ​ | ​
Total commercial non-owner occupied real estate | ​ |  | 481,010 | ​ |  | 742,966 | ​ | ​
Consumer real estate: | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Consumer owner occupied | ​ |  | 496,431 | ​ |  | 610,376 | ​ | ​
Home equity loans | ​ |  | 188,732 | ​ |  | 225,278 | ​ | ​
Total consumer real estate | ​ |  | 685,163 | ​ |  | 835,654 | ​ | ​
Commercial owner occupied real estate | ​ |  | 307,193 | ​ |  | 400,658 | ​ | ​
Commercial and industrial | ​ |  | 101,880 | ​ |  | 173,840 | ​ | ​
Other income producing property | ​ |  | 95,697 | ​ |  | 120,696 | ​ | ​
Consumer | ​ |  | 89,484 | ​ |  | 104,923 | ​ | ​
Acquired non-credit impaired loans | ​ | $ | 1,760,427 | ​ | $ | 2,378,737 | ​ | ​
​ The unamortized discount related to the acquired non-credit impaired loans totaled $20.3 million and $30.2 million at December 31, 2019, and March 31, 2019, respectively. ​ In accordance with FASB ASC Topic 310-30, we 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, for comparative periods, prior to the adoption of ASU 2016-13: ​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | December 31, | ​ | March 31, |
(Dollars in thousands) |  | 2019 |  | 2019 |
Acquired credit impaired loans: | ​ | ​ |  | ​ | ​ |  | ​
Commercial real estate | ​ | $ | 130,938 | ​ | $ | 173,707 | ​
Commercial real estate—construction and development | ​ |  | 25,032 | ​ |  | 32,257 | ​
Residential real estate | ​ |  | 163,359 | ​ |  | 199,701 | ​
Consumer | ​ |  | 35,488 | ​ |  | 40,182 | ​
Commercial and industrial | ​ |  | 7,029 | ​ |  | 10,925 | ​
Acquired credit impaired loans | ​ |  | 361,846 | ​ |  | 456,772 | ​
Less allowance for loan losses | ​ |  | (5,064) | ​ |  | (4,514) | ​
Acquired credit impaired loans, net | ​ | $ | 356,782 | ​ | $ | 452,258 | ​
​ As part of the ongoing monitoring of the credit quality of our 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. ​ We utilize a risk grading matrix to assign a risk grade to each commercial loan. Classified loans are assessed at a minimum every six months. 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 loans by origination year: ​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
--- | --- | --- | --- | --- | --- | --- | --- | ---
​ | Term Loans | ​ | ​
(Dollars in thousands) | Amortized Cost Basis by Origination Year | ​ | ​
As of March 31, 2020 | 2020 | 2019 | 2018 | 2017 | 2016 | Prior | Revolving | Total
Construction and land development | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Risk rating: | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Pass | $ 78,673 | $ 307,578 | $ 232,414 | $ 47,764 | $ 18,265 | $ 19,662 | $ 39,789 | $ 744,145
Special mention | 1,967 | 954 | 1,439 | 535 | 160 | 693 | - | 5,748
Substandard | 885 | 943 | 558 | 1,195 | 51 | 430 | - | 4,062
Doubtful | - | - | - | - | - | 9 | - | 9
Total Construction and land development | $ 81,525 | $ 309,475 | $ 234,411 | $ 49,494 | $ 18,476 | $ 20,794 | $ 39,789 | $ 753,964
Construction and land development | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Current-period gross charge-offs | $ (37) | $ - | $ - | $ - | $ - | $ - | $ - | (37)
Current-period recoveries | - | - | - | 6 | - | 206 | - | 212
Current-period net (charge-offs) / recoveries | $ (37) | $ - | $ - | $ 6 | $ - | $ 206 | $ - | $ 175
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
--- | --- | --- | --- | --- | --- | --- | --- | ---
​ | Term Loans | ​ | ​
(Dollars in thousands) | Amortized Cost Basis by Origination Year | ​ | ​
As of March 31, 2020 | 2020 | 2019 | 2018 | 2017 | 2016 | Prior | Revolving | Total
Commercial non-owner occupied | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Risk rating: | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Pass | $ 94,375 | $ 637,401 | $ 419,596 | $ 385,069 | $ 339,042 | $ 381,430 | $ 70,151 | $ 2,327,064
Special mention | 5,145 | 8,905 | 7,094 | 1,278 | 488 | 15,162 | - | 38,072
Substandard | 114 | 524 | 750 | 2,039 | 505 | 2,299 | - | 6,231
Doubtful | - | - | - | - | - | 4 | - | 4
Total Commercial non-owner occupied | $ 99,634 | $ 646,830 | $ 427,440 | $ 388,386 | $ 340,035 | $ 398,895 | $ 70,151 | $ 2,371,371
Commercial non-owner occupied | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Current-period gross charge-offs | $ - | $ - | $ - | $ - | $ - | $ - | $ - | $ -
Current-period recoveries | - | - | - | - | - | 79 | - | 79
Current-period net (charge-offs) / recoveries | $ - | $ - | $ - | $ - | $ - | $ 79 | $ - | $ 79
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Commercial Owner Occupied | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Risk rating: | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Pass | $ 149,781 | $ 544,487 | $ 389,294 | $ 326,347 | $ 278,186 | $ 402,083 | $ 38,039 | $ 2,128,217
Special mention | 2,344 | 3,855 | 4,718 | 6,848 | 6,592 | 4,557 | 154 | $ 29,068
Substandard | 260 | 6,536 | 2,644 | 5,401 | 606 | 4,651 | 350 | $ 20,448
Doubtful | - | - | - | - | - | 5 | - | $ 5
Total commercial owner occupied | $ 152,385 | $ 554,878 | $ 396,656 | $ 338,596 | $ 285,384 | $ 411,296 | $ 38,543 | $ 2,177,738
Commercial owner occupied | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Current-period gross charge-offs | $ - | $ - | $ - | $ - | $ - | $ (315) | $ - | $ (315)
Current-period recoveries | - | 24 | 5 | - | - | 59 | - | 88
Current-period net (charge-offs) / recoveries | $ - | $ 24 | $ 5 | $ - | $ - | $ (256) | $ - | $ (227)
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Commercial and industrial | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Risk rating: | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Pass | $ 117,663 | $ 396,201 | $ 231,025 | $ 118,471 | $ 122,025 | $ 74,688 | $ 327,219 | $ 1,387,292
Special mention | 609 | 7,993 | 3,067 | 4,193 | 179 | 914 | 5,850 | 22,805
Substandard | 441 | 675 | 2,039 | 1,519 | 230 | 598 | 2,810 | 8,312
Doubtful | - | - | 1 | 3 | 3 | 4 | 1 | 12
Total commercial and industrial | $ 118,713 | $ 404,869 | $ 236,132 | $ 124,186 | $ 122,437 | $ 76,204 | $ 335,880 | $ 1,418,421
Commercial and industrial | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Current-period gross charge-offs | $ - | $ (3) | $ (14) | $ - | $ - | $ (9) | $ (73) | $ (99)
Current-period recoveries | - | 26 | - | 4 | 75 | 89 | 4 | 198
Current-period net (charge-offs) / recoveries | $ - | $ 23 | $ (14) | $ 4 | $ 75 | $ 80 | $ (69) | $ 99
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Other income producing property | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Risk rating: | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Pass | $ 17,679 | $ 61,806 | $ 51,950 | $ 37,084 | $ 23,250 | $ 54,295 | $ 7,829 | $ 253,893
Special mention | 1,675 | 2,300 | 2,163 | 735 | 661 | 5,848 | 37 | 13,419
Substandard | 891 | 985 | 773 | 1,572 | 170 | 2,770 | 49 | 7,210
Doubtful | - | - | - | - | - | 7 | - | 7
Total other income producing property | $ 20,245 | $ 65,091 | $ 54,886 | $ 39,391 | $ 24,081 | $ 62,920 | $ 7,915 | $ 274,529
Other income producing property | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Current-period gross charge-offs | $ - | $ - | $ - | $ - | $ - | $ - | $ - | $ -
Current-period recoveries | - | - | - | - | - | 139 | - | 139
Current-period net (charge-offs) / recoveries | $ - | $ - | $ - | $ - | $ - | $ 139 | $ - | $ 139
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Consumer owner occupied | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Risk rating: | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Pass | $ 1,566 | $ 6,140 | $ 673 | $ 476 | $ 1,668 | $ 5,468 | $ 16,657 | $ 32,648
Special mention | 23 | 4,091 | 254 | 63 | - | 196 | 366 | $ 4,993
Substandard | - | 394 | 164 | 91 | 65 | 409 | - | $ 1,123
Doubtful | - | - | - | 1 | - | - | - | $ 1
Total Consumer owner occupied | $ 1,589 | $ 10,625 | $ 1,091 | $ 631 | $ 1,733 | $ 6,073 | $ 17,023 | $ 38,765
Consumer owner occupied | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Current-period gross charge-offs | $ - | $ - | $ - | $ - | $ - | $ - | $ - | $ -
Current-period recoveries | - | - | - | 23 | 1 | 5 | 1 | 30
Current-period net (charge-offs) / recoveries | $ - | $ - | $ - | $ 23 | $ 1 | $ 5 | $ 1 | $ 30
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
--- | --- | --- | --- | --- | --- | --- | --- | ---
​ | Term Loans | ​ | ​
(Dollars in thousands) | Amortized Cost Basis by Origination Year | ​ | ​
As of March 31, 2020 | 2020 | 2019 | 2018 | 2017 | 2016 | Prior | Revolving | Total
Other loans | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Risk rating: | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Pass | $ 7,678 | $ - | $ - | $ - | $ - | $ - | $ - | $ 7,678
Special mention | - | - | - | - | - | - | - | -
Substandard | - | - | - | - | - | - | - | -
Doubtful | - | - | - | - | - | - | - | -
Total other loans | $ 7,678 | $ - | $ - | $ - | $ - | $ - | $ - | $ 7,678
Other loans | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Current-period gross charge-offs | $ - | $ - | $ - | $ - | $ - | $ - | $ - | $ -
Current-period recoveries | - | - | - | - | - | - | - | -
Current-period net (charge-offs) / recoveries | $ - | $ - | $ - | $ - | $ - | $ - | $ - | $ -
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Total Commercial Loans | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Risk rating: | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Pass | $ 467,415 | $ 1,953,613 | $ 1,324,952 | $ 915,211 | $ 782,436 | $ 937,626 | $ 499,684 | $ 6,880,937
Special mention | 11,763 | 28,098 | 18,735 | 13,652 | 8,080 | 27,370 | 6,407 | 114,105
Substandard | 2,591 | 10,057 | 6,928 | 11,817 | 1,627 | 11,157 | 3,209 | 47,386
Doubtful | - | - | 1 | 4 | 3 | 29 | 1 | 38
Total Commercial Loans | $ 481,769 | $ 1,991,768 | $ 1,350,616 | $ 940,684 | $ 792,146 | $ 976,182 | $ 509,301 | $ 7,042,466
Total Commercial Loans | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Current-period gross charge-offs | $ (37) | $ (3) | $ (14) | $ - | $ - | $ (324) | $ (73) | $ (451)
Current-period recoveries | - | 50 | 5 | 33 | 76 | 577 | 5 | 746
Current-period net (charge-offs) / recoveries | $ (37) | $ 47 | $ (9) | $ 33 | $ 76 | $ 253 | $ (68) | $ 295
​ For the consumer segment, delinquency of a loan is determined by past due status. Consumer loans are automatically placed on nonaccrual status once the loan is 90 days past due. The following table presents the credit risk profile by past due status of consumer loans by origination year: ​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
--- | --- | --- | --- | --- | --- | --- | --- | ---
​ | Term Loans | ​ | ​
(Dollars in thousands) | Amortized Cost Basis by Origination Year | ​ | ​
As of March 31, 2020 | 2020 | 2019 | 2018 | 2017 | 2016 | Prior | Revolving | Total
Consumer owner occupied | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Days past due: | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Current | $ 101,254 | $ 373,790 | $ 498,020 | $ 492,026 | $ 361,132 | $ 789,977 | $ - | $ 2,616,199
30 days past due | - | 27 | 169 | 476 | - | 5,117 | - | 5,789
60 days past due | - | - | - | - | - | 468 | - | 468
90 days past due | 72 | 78 | 88 | 668 | 411 | 2,867 | - | 4,184
Total Consumer owner occupied | $ 101,326 | $ 373,895 | $ 498,277 | $ 493,170 | $ 361,543 | $ 798,429 | $ - | $ 2,626,640
Consumer owner occupied | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Current-period gross charge-offs | $ - | $ - | $ - | $ - | $ - | $ (304) | $ - | $ (304)
Current-period recoveries | - | - | - | - | - | 223 | - | 223
Current-period net (charge-offs) / recoveries | $ - | $ - | $ - | $ - | $ - | $ (81) | $ - | $ (81)
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Home equity loans | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Days past due: | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Current | $ 1,976 | $ 8,007 | $ 11,699 | $ 3,536 | $ 429 | $ 37,322 | $ 687,900 | $ 750,869
30 days past due | 57 | 90 | 31 | 183 | - | 1,078 | 920 | 2,359
60 days past due | - | 68 | - | - | - | 2,107 | 613 | 2,788
90 days past due | - | 25 | - | 34 | 315 | 1,385 | 707 | 2,466
Total Home equity loans | $ 2,033 | $ 8,190 | $ 11,730 | $ 3,753 | $ 744 | $ 41,892 | $ 690,140 | $ 758,482
Home equity loans | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Current-period gross charge-offs | $ - | $ (22) | $ (260) | $ - | $ - | $ (67) | $ (265) | $ (614)
Current-period recoveries | - | - | - | 1 | 1 | 375 | 1 | 378
Current-period net (charge-offs) / recoveries | $ - | $ (22) | $ (260) | $ 1 | $ 1 | $ 308 | $ (264) | $ (236)
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
--- | --- | --- | --- | --- | --- | --- | --- | ---
​ | Term Loans | ​ | ​
(Dollars in thousands) | Amortized Cost Basis by Origination Year | ​ | ​
As of March 31, 2020 | 2020 | 2019 | 2018 | 2017 | 2016 | Prior | Revolving | Total
Consumer | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Days past due: | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Current | $ 56,854 | $ 209,713 | $ 117,022 | $ 63,494 | $ 41,965 | $ 169,875 | $ 10,928 | $ 669,851
30 days past due | 14 | 222 | 185 | 107 | 95 | 1,263 | 165 | 2,051
60 days past due | - | 26 | 51 | 37 | 12 | 914 | 26 | 1,066
90 days past due | - | 126 | 236 | 232 | 103 | 1,126 | - | 1,823
Total consumer | $ 56,868 | $ 210,087 | $ 117,494 | $ 63,870 | $ 42,175 | $ 173,178 | $ 11,119 | $ 674,791
Consumer | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Current-period gross charge-offs | $ - | $ (80) | $ (96) | $ (57) | $ (30) | $ (347) | $ (1,176) | $ (1,786)
Current-period recoveries | - | - | 1 | 2 | 3 | 84 | 379 | 469
Current-period net (charge-offs) / recoveries | $ - | $ (80) | $ (95) | $ (55) | $ (27) | $ (263) | $ (797) | $ (1,317)
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Construction and land development | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Days past due: | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Current | $ 25,564 | $ 212,413 | $ 68,321 | $ 16,477 | $ 5,830 | $ 22,346 | $ - | $ 350,951
30 days past due | - | - | 29 | - | - | 237 | - | 266
60 days past due | - | - | - | - | - | ​ | - | -
90 days past due | - | - | - | - | - | 127 | - | 127
Total Construction and land development | $ 25,564 | $ 212,413 | $ 68,350 | $ 16,477 | $ 5,830 | $ 22,710 | $ - | $ 351,344
Construction and land development | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Current-period gross charge-offs | $ - | $ - | $ - | $ - | $ - | $ (68) | $ - | $ (68)
Current-period recoveries | - | - | - | - | - | 70 | - | 70
Current-period net (charge-offs) / recoveries | $ - | $ - | $ - | $ - | $ - | $ 2 | $ - | $ 2
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Other income producing property | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Days past due: | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Current | $ 346 | $ 2,488 | $ 2,703 | $ 4,537 | $ 4,032 | $ 38,955 | - | $ 53,061
30 days past due | - | - | - | - | - | 105 | - | 105
60 days past due | - | - | - | - | - | - | - | -
90 days past due | - | - | - | - | - | 1 | - | 1
Total other income producing property | $ 346 | $ 2,488 | $ 2,703 | $ 4,537 | $ 4,032 | $ 39,061 | $ - | $ 53,167
Other income producing property | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Current-period gross charge-offs | $ - | $ - | $ - | $ - | $ - | $ - | $ - | $ -
Current-period recoveries | - | - | - | - | - | 23 | - | 23
Current-period net (charge-offs) / recoveries | $ - | $ - | $ - | $ - | $ - | $ 23 | $ - | $ 23
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Total Consumer Loans | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Days past due: | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Current | $ 185,994 | $ 806,411 | $ 697,765 | $ 580,070 | $ 413,388 | $ 1,058,475 | $ 698,828 | $ 4,440,931
30 days past due | 71 | 339 | 414 | 766 | 95 | 7,800 | 1,085 | 10,570
60 days past due | - | 94 | 51 | 37 | 12 | 3,489 | 639 | 4,322
90 days past due | 72 | 229 | 324 | 934 | 829 | 5,506 | 707 | 8,601
Total Consumer Loans | $ 186,137 | $ 807,073 | $ 698,554 | $ 581,807 | $ 414,324 | $ 1,075,270 | $ 701,259 | $ 4,464,424
Total Consumer Loans | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Current-period gross charge-offs | $ - | $ (102) | $ (356) | $ (57) | $ (30) | $ (786) | $ (1,441) | $ (2,772)
Current-period recoveries | - | - | 1 | 3 | 4 | 775 | 380 | 1,163
Current-period net (charge-offs) / recoveries | $ - | $ (102) | $ (355) | $ (54) | $ (26) | $ (11) | $ (1,061) | $ (1,609)
​ ​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ | Term Loans | ​ | ​
(Dollars in thousands) | Amortized Cost Basis by Origination Year | ​ | ​
As of March 31, 2020 | 2020 | 2019 | 2018 | 2017 | 2016 | Prior | Revolving | Total
Total Loans | $ 667,906 | $ 2,798,841 | $ 2,049,170 | $ 1,522,491 | $ 1,206,470 | $ 2,051,452 | $ 1,210,560 | $ 11,506,890
Total Loans | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Current-period gross charge-offs | $ (37) | $ (105) | $ (370) | $ (57) | $ (30) | $ (1,110) | $ (1,514) | $ (3,223)
Current-period recoveries | $ - | $ 50 | $ 6 | $ 36 | $ 80 | $ 1,352 | $ 385 | 1,909
Current-period net (charge-offs) / recoveries | $ (37) | $ (55) | $ (364) | $ (21) | $ 50 | $ 242 | $ (1,129) | $ (1,314)
​ ​ The following table presents the credit risk profile by risk grade of commercial loans for non-acquired loans, for comparative periods, prior to the adoption of ASU 2016-13, under the incurred loss model: ​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | Construction & Development | ​ | Commercial Non-owner Occupied | ​ | Commercial Owner Occupied |
​ | ​ | December 31, | ​ | March 31, | ​ | December 31, | ​ | March 31, | ​ | December 31, | ​ | March 31, |
(Dollars in thousands) |  | 2019 |  | 2019 |  | 2019 |  | 2019 |  | 2019 |  | 2019 |
Pass | ​ | $ | 959,206 | ​ | $ | 801,949 | ​ | $ | 1,787,306 | ​ | $ | 1,607,034 | ​ | $ | 1,754,801 | ​ | $ | 1,564,083 | ​
Special mention | ​ |  | 7,095 | ​ |  | 5,303 | ​ |  | 22,410 | ​ |  | 7,372 | ​ |  | 19,742 | ​ |  | 24,241 | ​
Substandard | ​ |  | 2,059 | ​ |  | 3,299 | ​ |  | 1,422 | ​ |  | 1,010 | ​ |  | 9,474 | ​ |  | 13,036 | ​
Doubtful | ​ |  | — | ​ |  | — | ​ |  | — | ​ |  | — | ​ |  | — | ​ |  | — | ​
​ | ​ | $ | 968,360 | ​ | $ | 810,551 | ​ | $ | 1,811,138 | ​ | $ | 1,615,416 | ​ | $ | 1,784,017 | ​ | $ | 1,601,360 | ​
​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | Commercial & Industrial | ​ | Other Income Producing Property | ​ | Commercial Total |
​ | ​ | December 31, | ​ | March 31, | ​ | December 31, | ​ | March 31, | ​ | December 31, | ​ | March 31, |
​ |  | 2019 |  | 2019 |  | 2019 |  | 2019 |  | 2019 |  | 2019 |
Pass | ​ | $ | 1,256,465 | ​ | $ | 1,054,732 | ​ | $ | 213,291 | ​ | $ | 208,345 | ​ | $ | 5,971,069 | ​ | $ | 5,236,143 | ​
Special mention | ​ |  | 16,055 | ​ |  | 7,056 | ​ |  | 3,966 | ​ |  | 4,250 | ​ |  | 69,268 | ​ |  | 48,222 | ​
Substandard | ​ |  | 8,339 | ​ |  | 10,282 | ​ |  | 1,360 | ​ |  | 1,640 | ​ |  | 22,654 | ​ |  | 29,267 | ​
Doubtful | ​ |  | — | ​ |  | — | ​ |  | — | ​ |  | — | ​ |  | — | ​ |  | — | ​
​ | ​ | $ | 1,280,859 | ​ | $ | 1,072,070 | ​ | $ | 218,617 | ​ | $ | 214,235 | ​ | $ | 6,062,991 | ​ | $ | 5,313,632 | ​
​ The following table presents the credit risk profile by risk grade of consumer loans for non-acquired loans, for comparative periods, prior to the adoption of ASU 2016-13, under the incurred loss model: ​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | Consumer Owner Occupied | ​ | Home Equity | ​ | Consumer |
​ | ​ | December 31, | ​ | March 31, | ​ | December 31, | ​ | March 31, | ​ | December 31, | ​ | March 31, |
(Dollars in thousands) |  | 2019 |  | 2019 |  | 2019 |  | 2019 |  | 2019 |  | 2019 |
Pass | ​ | $ | 2,094,080 | ​ | $ | 1,978,122 | ​ | $ | 508,054 | ​ | $ | 495,127 | ​ | $ | 536,002 | ​ | $ | 463,271 | ​
Special mention | ​ |  | 9,585 | ​ |  | 10,769 | ​ |  | 4,490 | ​ |  | 6,915 | ​ |  | 487 | ​ |  | 467 | ​
Substandard | ​ |  | 15,174 | ​ |  | 16,423 | ​ |  | 6,084 | ​ |  | 6,284 | ​ |  | 1,992 | ​ |  | 1,379 | ​
Doubtful | ​ |  | — | ​ |  | — | ​ |  | — | ​ |  | — | ​ |  | — | ​ |  | — | ​
​ | ​ | $ | 2,118,839 | ​ | $ | 2,005,314 | ​ | $ | 518,628 | ​ | $ | 508,326 | ​ | $ | 538,481 | ​ | $ | 465,117 | ​
​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | Other | ​ | Consumer Total |
​ |  | December 31, 2019 |  | March 31, 2019 |  | December 31, 2019 |  | March 31, 2019 |
Pass | ​ | $ | 13,892 | ​ | $ | 18,224 | ​ | $ | 3,152,028 | ​ | $ | 2,954,744 | ​
Special mention | ​ |  | — | ​ |  | — | ​ |  | 14,562 | ​ |  | 18,151 | ​
Substandard | ​ |  | — | ​ |  | — | ​ |  | 23,250 | ​ |  | 24,086 | ​
Doubtful | ​ |  | — | ​ |  | — | ​ |  | — | ​ |  | — | ​
​ | ​ | $ | 13,892 | ​ | $ | 18,224 | ​ | $ | 3,189,840 | ​ | $ | 2,996,981 | ​
​ The following table presents the credit risk profile by risk grade of total non-acquired loans for comparative periods, prior to the adoption of ASU 2016-13, under the incurred loss model: ​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | Total Non-acquired Loans |
​ | ​ | December 31, | ​ | March 31, |
(Dollars in thousands) |  | 2019 |  | 2019 |
Pass | ​ | $ | 9,123,097 | ​ | $ | 8,190,887 | ​
Special mention | ​ |  | 83,830 | ​ |  | 66,373 | ​
Substandard | ​ |  | 45,904 | ​ |  | 53,353 | ​
Doubtful | ​ |  | — | ​ |  | — | ​
​ | ​ | $ | 9,252,831 | ​ | $ | 8,310,613 | ​
​ The following table presents the credit risk profile by risk grade of commercial loans for acquired non-credit impaired loans for comparative periods, prior to the adoption of ASU 2016-13, under the incurred loss model: ​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | Commercial Non-owner | ​ | ​ | ​ | ​ | ​ | ​ |
​ | ​ | Construction & Development | ​ | Occupied | ​ | Commercial Owner Occupied |
​ | ​ | December 31, | ​ | March 31, | ​ | December 31, | ​ | March 31, | ​ | December 31, | ​ | March 31, |
(Dollars in thousands) |  | 2019 |  | 2019 |  | 2019 |  | 2019 |  | 2019 |  | 2019 |
Pass | ​ | $ | 31,690 | ​ | $ | 111,414 | ​ | $ | 432,710 | ​ | $ | 615,277 | ​ | $ | 300,678 | ​ | $ | 380,536 | ​
Special mention | ​ |  | 966 | ​ |  | 845 | ​ |  | 14,162 | ​ |  | 13,682 | ​ |  | 3,092 | ​ |  | 15,440 | ​
Substandard | ​ |  | 913 | ​ |  | 1,313 | ​ |  | 569 | ​ |  | 435 | ​ |  | 3,423 | ​ |  | 4,682 | ​
Doubtful | ​ |  | — | ​ |  | — | ​ |  | — | ​ |  | — | ​ |  | — | ​ |  | — | ​
​ | ​ | $ | 33,569 | ​ | $ | 113,572 | ​ | $ | 447,441 | ​ | $ | 629,394 | ​ | $ | 307,193 | ​ | $ | 400,658 | ​
​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | Other Income Producing | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | Commercial & Industrial | ​ | Property | ​ | Commercial Total | ​
​ | ​ | December 31, | ​ | March 31, | ​ | December 31, | ​ | March 31, | ​ | December 31, | ​ | March 31, | ​
​ |  | 2019 |  | 2019 |  | 2019 |  | 2019 |  | 2019 |  | 2019 |
Pass | ​ | $ | 97,092 | ​ | $ | 163,298 | ​ | $ | 87,892 | ​ | $ | 113,047 | ​ | $ | 950,062 | ​ | $ | 1,383,572 | ​
Special mention | ​ |  | 2,948 | ​ |  | 7,897 | ​ |  | 5,837 | ​ |  | 6,333 | ​ |  | 27,005 | ​ |  | 44,197 | ​
Substandard | ​ |  | 1,840 | ​ |  | 2,645 | ​ |  | 1,968 | ​ |  | 1,316 | ​ |  | 8,713 | ​ |  | 10,391 | ​
Doubtful | ​ |  | — | ​ |  | — | ​ |  | — | ​ |  | — | ​ |  | — | ​ |  | — | ​
​ | ​ | $ | 101,880 | ​ | $ | 173,840 | ​ | $ | 95,697 | ​ | $ | 120,696 | ​ | $ | 985,780 | ​ | $ | 1,438,160 | ​
​ The following table presents the credit risk profile by risk grade of consumer loans for acquired non-credit impaired loans for comparative periods, prior to the adoption of ASU 2016-13, under the incurred loss model: ​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | Consumer Owner Occupied | ​ | Home Equity | ​ | Consumer | ​
​ | ​ | December 31, | ​ | March 31, | ​ | December 31, | ​ | March 31, | ​ | December 31, | ​ | March 31, | ​
(Dollars in thousands) |  | 2019 |  | 2019 |  | 2019 |  | 2019 |  | 2019 |  | 2019 |
Pass | ​ | $ | 486,433 | ​ | $ | 597,220 | ​ | $ | 174,912 | ​ | $ | 210,066 | ​ | $ | 86,535 | ​ | $ | 101,907 | ​
Special mention | ​ |  | 6,434 | ​ |  | 7,325 | ​ |  | 5,679 | ​ |  | 7,623 | ​ |  | 654 | ​ |  | 666 | ​
Substandard | ​ |  | 3,564 | ​ |  | 5,831 | ​ |  | 8,141 | ​ |  | 7,589 | ​ |  | 2,295 | ​ |  | 2,350 | ​
Doubtful | ​ |  | — | ​ |  | — | ​ |  | — | ​ |  | — | ​ |  | — | ​ |  | — | ​
​ | ​ | $ | 496,431 | ​ | $ | 610,376 | ​ | $ | 188,732 | ​ | $ | 225,278 | ​ | $ | 89,484 | ​ | $ | 104,923 | ​
​
​ | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | Consumer Total
​ | ​ | December 31, | ​ | March 31,
​ | ​ | 2019 |  | 2019
Pass | ​ | $ | 747,880 | ​ | $ | 909,193
Special mention | ​ |  | 12,767 | ​ |  | 15,614
Substandard | ​ |  | 14,000 | ​ |  | 15,770
Doubtful | ​ |  | — | ​ |  | —
​ | ​ | $ | 774,647 | ​ | $ | 940,577
​ The following table presents the credit risk profile by risk grade of total acquired non-credit impaired loans for comparative periods, prior to the adoption of ASU 2016-13, under the incurred loss model: ​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | Total Acquired | ​
​ | ​ | Non-credit Impaired Loans | ​
​ | ​ | December 31, | ​ | March 31, | ​
(Dollars in thousands) |  | 2019 |  | 2019 |
Pass | ​ | $ | 1,697,942 | ​ | $ | 2,292,765 | ​
Special mention | ​ |  | 39,772 | ​ |  | 59,811 | ​
Substandard | ​ |  | 22,713 | ​ |  | 26,161 | ​
Doubtful | ​ |  | — | ​ |  | — | ​
​ | ​ | $ | 1,760,427 | ​ | $ | 2,378,737 | ​
​ 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 for comparative periods, prior to the adoption of ASU 2016-13, under the incurred loss model: ​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | Commercial Real Estate— |
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | Construction and |
​ | ​ | Commercial Real Estate | ​ | Development |
​ |  | December 31, | ​ | March 31, | ​ | December 31, | ​ | March 31, |
(Dollars in thousands) |  | 2019 |  | 2019 |  | 2019 |  | 2019 |
Pass | ​ | $ | 108,762 | ​ | $ | 140,785 | ​ | $ | 17,756 | ​ | $ | 20,950 | ​
Special mention | ​ |  | 6,465 | ​ |  | 13,025 | ​ |  | 2,904 | ​ |  | 3,500 | ​
Substandard | ​ |  | 15,711 | ​ |  | 19,897 | ​ |  | 4,372 | ​ |  | 7,807 | ​
Doubtful | ​ |  | — | ​ |  | — | ​ |  | — | ​ |  | — | ​
​ | ​ | $ | 130,938 | ​ | $ | 173,707 | ​ | $ | 25,032 | ​ | $ | 32,257 | ​
​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | Residential Real Estate | ​ | Consumer | ​ | Commercial & Industrial |
​ | ​ | December 31, | ​ | March 31, | ​ | December 31, | ​ | March 31, | ​ | December 31, | ​ | March 31, |
​ |  | 2019 |  | 2019 |  | 2019 |  | 2019 |  | 2019 |  | 2019 |
Pass | ​ | $ | 82,203 | ​ | $ | 100,803 | ​ | $ | 4,483 | ​ | $ | 5,134 | ​ | $ | 5,160 | ​ | $ | 6,802 | ​
Special mention | ​ |  | 35,968 | ​ |  | 40,036 | ​ |  | 12,658 | ​ |  | 13,935 | ​ |  | 286 | ​ |  | 530 | ​
Substandard | ​ |  | 45,188 | ​ |  | 58,862 | ​ |  | 18,347 | ​ |  | 21,113 | ​ |  | 1,583 | ​ |  | 3,593 | ​
Doubtful | ​ |  | — | ​ |  | — | ​ |  | — | ​ |  | — | ​ |  | — | ​ |  | — | ​
​ | ​ | $ | 163,359 | ​ | $ | 199,701 | ​ | $ | 35,488 | ​ | $ | 40,182 | ​ | $ | 7,029 | ​ | $ | 10,925 | ​
​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | Total Acquired | ​
​ | ​ | Credit Impaired Loans | ​
​ | ​ | December 31, | ​ | March 31, | ​
​ |  | 2019 |  | 2019 |
Pass | ​ | $ | 218,364 | ​ | $ | 274,474 | ​
Special mention | ​ |  | 58,281 | ​ |  | 71,026 | ​
Substandard | ​ |  | 85,201 | ​ |  | 111,272 | ​
Doubtful | ​ |  | — | ​ |  | — | ​
​ | ​ | $ | 361,846 | ​ | $ | 456,772 | ​
​ 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 (includes nonaccrual loans), segregated by class: ​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ |  | 30 - 59 Days |  | 60 - 89 Days |  | 90+ Days |  | Total |  | ​ | ​ |  | Total | ​ | Amortized Cost
(Dollars in thousands) | ​ | Past Due | ​ | Past Due | ​ | Past Due | ​ | Past Due | ​ | Current | ​ | Loans | ​ | > 90 Days Accruing
March 31, 2020 | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Commercial real estate: | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Construction and land development | ​ | $ | 1,700 | ​ | $ | 67 | ​ | $ | 364 | ​ | $ | 2,131 | ​ | $ | 1,103,177 | ​ | $ | 1,105,308 | ​ | $ | —
Commercial non-owner occupied | ​ |  | 1,445 | ​ |  | 407 | ​ |  | 1,818 | ​ |  | 3,670 | ​ |  | 2,367,701 | ​ |  | 2,371,371 | ​ |  | —
Commercial owner occupied | ​ |  | 5,606 | ​ | ​ | 156 | ​ |  | 5,168 | ​ |  | 10,930 | ​ |  | 2,166,808 | ​ |  | 2,177,738 | ​ |  | 119
Consumer real estate: | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Consumer owner occupied | ​ |  | 6,047 | ​ |  | 467 | ​ |  | 4,408 | ​ |  | 10,922 | ​ |  | 2,654,483 | ​ |  | 2,665,405 | ​ |  | —
Home equity loans | ​ |  | 2,359 | ​ |  | 2,788 | ​ |  | 2,466 | ​ |  | 7,613 | ​ |  | 750,869 | ​ |  | 758,482 | ​ |  | —
Commercial and industrial | ​ |  | 2,128 | ​ |  | 2,220 | ​ |  | 1,054 | ​ |  | 5,402 | ​ |  | 1,413,019 | ​ |  | 1,418,421 | ​ |  | 167
Other income producing property | ​ |  | 1,338 | ​ |  | 143 | ​ |  | 1,707 | ​ |  | 3,188 | ​ |  | 324,508 | ​ |  | 327,696 | ​ |  | 74
Consumer | ​ |  | 2,570 | ​ |  | 1,069 | ​ |  | 1,825 | ​ |  | 5,464 | ​ |  | 669,327 | ​ |  | 674,791 | ​ |  | 2
Other loans | ​ |  | — | ​ |  | — | ​ |  | — | ​ |  | — | ​ |  | 7,678 | ​ |  | 7,678 | ​ |  | —
​ | ​ | $ | 23,193 | ​ | $ | 7,317 | ​ | $ | 18,810 | ​ | $ | 49,320 | ​ | $ | 11,457,570 | ​ | $ | 11,506,890 | ​ | $ | 362
​ The following table presents an aging analysis of past due loans (includes nonaccrual loans), segregated by class for non-acquired loans, for comparative periods, prior to the adoption of ASU 2016-13: ​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ |  | 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
March 31, 2019 | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Commercial real estate: | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Construction and land development | ​ | $ | 563 | ​ | $ | 141 | ​ | $ | 283 | ​ | $ | 987 | ​ | $ | 809,564 | ​ | $ | 810,551
Commercial non-owner occupied | ​ |  | — | ​ |  | — | ​ |  | 22 | ​ |  | 22 | ​ |  | 1,615,394 | ​ |  | 1,615,416
Commercial owner occupied | ​ |  | 3,336 | ​ |  | 1,556 | ​ |  | 889 | ​ |  | 5,781 | ​ |  | 1,595,579 | ​ |  | 1,601,360
Consumer real estate: | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Consumer owner occupied | ​ |  | 1,929 | ​ |  | 743 | ​ |  | 2,510 | ​ |  | 5,182 | ​ |  | 2,000,132 | ​ |  | 2,005,314
Home equity loans | ​ |  | 333 | ​ |  | 206 | ​ |  | 1,022 | ​ |  | 1,561 | ​ |  | 506,765 | ​ |  | 508,326
Commercial and industrial | ​ |  | 4,658 | ​ |  | 222 | ​ |  | 614 | ​ |  | 5,494 | ​ |  | 1,066,576 | ​ |  | 1,072,070
Other income producing property | ​ |  | 658 | ​ |  | — | ​ |  | 372 | ​ |  | 1,030 | ​ |  | 213,205 | ​ |  | 214,235
Consumer | ​ |  | 471 | ​ |  | 230 | ​ |  | 677 | ​ |  | 1,378 | ​ |  | 463,739 | ​ |  | 465,117
Other loans | ​ |  | — | ​ |  | — | ​ |  | — | ​ |  | — | ​ |  | 18,224 | ​ |  | 18,224
​ | ​ | $ | 11,948 | ​ | $ | 3,098 | ​ | $ | 6,389 | ​ | $ | 21,435 | ​ | $ | 8,289,178 | ​ | $ | 8,310,613
​ The following table presents an aging analysis of past due loans (includes nonaccrual loans), segregated by class for acquired non-credit impaired loans, for comparative periods, prior to the adoption of ASU 2016-13: ​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ |  | 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
March 31, 2019 | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Commercial real estate: | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Construction and land development | ​ | $ | 521 | ​ | $ | 116 | ​ | $ | 226 | ​ | $ | 863 | ​ | $ | 112,709 | ​ | $ | 113,572
Commercial non-owner occupied | ​ |  | 96 | ​ |  | — | ​ |  | 289 | ​ |  | 385 | ​ |  | 629,009 | ​ |  | 629,394
Commercial owner occupied | ​ |  | 659 | ​ |  | 237 | ​ |  | 1,209 | ​ |  | 2,105 | ​ |  | 398,553 | ​ |  | 400,658
Consumer real estate: | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Consumer owner occupied | ​ |  | 349 | ​ |  | 72 | ​ |  | 1,968 | ​ |  | 2,389 | ​ |  | 607,987 | ​ |  | 610,376
Home equity loans | ​ |  | 1,483 | ​ |  | 298 | ​ |  | 2,237 | ​ |  | 4,018 | ​ |  | 221,260 | ​ |  | 225,278
Commercial and industrial | ​ |  | 1,185 | ​ |  | 1,479 | ​ |  | 18 | ​ |  | 2,682 | ​ |  | 171,158 | ​ |  | 173,840
Other income producing property | ​ |  | 210 | ​ |  | 81 | ​ |  | 37 | ​ |  | 328 | ​ |  | 120,368 | ​ |  | 120,696
Consumer | ​ |  | 337 | ​ |  | 107 | ​ |  | 396 | ​ |  | 840 | ​ |  | 104,083 | ​ |  | 104,923
​ | ​ | $ | 4,840 | ​ | $ | 2,390 | ​ | $ | 6,380 | ​ | $ | 13,610 | ​ | $ | 2,365,127 | ​ | $ | 2,378,737
​ The following table presents an aging analysis of past due loans (includes nonaccrual loans), segregated by class for acquired credit impaired loans, for comparative periods, prior to the adoption of ASU 2016-13: ​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ |  | 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
March 31, 2019 | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Commercial real estate | ​ | $ | 788 | ​ | $ | 238 | ​ | $ | 3,959 | ​ | $ | 4,985 | ​ | $ | 168,722 | ​ | $ | 173,707
Commercial real estate—construction and development | ​ |  | — | ​ |  | — | ​ |  | 2,481 | ​ |  | 2,481 | ​ |  | 29,776 | ​ |  | 32,257
Residential real estate | ​ |  | 2,529 | ​ |  | 1,034 | ​ |  | 6,385 | ​ |  | 9,948 | ​ |  | 189,753 | ​ |  | 199,701
Consumer | ​ |  | 373 | ​ |  | 190 | ​ |  | 591 | ​ |  | 1,154 | ​ |  | 39,028 | ​ |  | 40,182
Commercial and industrial | ​ |  | — | ​ |  | — | ​ |  | 2,514 | ​ |  | 2,514 | ​ |  | 8,411 | ​ |  | 10,925
​ | ​ | $ | 3,690 | ​ | $ | 1,462 | ​ | $ | 15,930 | ​ | $ | 21,082 | ​ | $ | 435,690 | ​ | $ | 456,772
​ The following is a summary of information pertaining to nonaccrual loans by class, including restructured loans: ​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | December 31, | ​ | March 31, | ​ | Greater than | ​ | Non-accrual | ​
(Dollars in thousands) |  | 2019 |  | 2020 | ​ | 90 Days Accruing |  | with no allowance |
Commercial non-owner occupied real estate: | ​ | ​ |  | ​ | ​ |  | ​ | ​ | ​ | ​ | ​ |  | ​
Construction and land development | ​ | $ | 1,193 | ​ | $ | 1,294 | ​ | $ | — | ​ | $ | — | ​
Commercial non-owner occupied | ​ |  | 1,154 | ​ |  | 2,863 | ​ | ​ | — | ​ |  | 2,010 | ​
Total commercial non-owner occupied real estate | ​ |  | 2,347 | ​ |  | 4,157 | ​ | ​ | — | ​ |  | 2,010 | ​
Consumer real estate: | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Consumer owner occupied | ​ |  | 9,718 | ​ |  | 19,614 | ​ | ​ | — | ​ |  | 3,972 | ​
Home equity loans | ​ |  | 4,640 | ​ |  | 8,891 | ​ | ​ | — | ​ |  | 3,002 | ​
Total consumer real estate | ​ |  | 14,358 | ​ |  | 28,505 | ​ | ​ | — | ​ |  | 6,974 | ​
Commercial owner occupied real estate | ​ |  | 4,385 | ​ |  | 9,498 | ​ | ​ | 119 | ​ |  | 5,490 | ​
Commercial and industrial | ​ |  | 6,913 | ​ |  | 4,834 | ​ | ​ | 167 | ​ |  | 1,304 | ​
Other income producing property | ​ |  | 1,947 | ​ |  | 4,343 | ​ | ​ | 74 | ​ |  | 2,554 | ​
Consumer | ​ |  | 3,191 | ​ |  | 5,004 | ​ | ​ | 2 | ​ |  | 345 | ​
Total loans on nonaccrual status | ​ | $ | 33,141 | ​ | $ | 56,341 | ​ | $ | 362 | ​ | $ | 18,677 | ​
​ There is no interest income recognized during the period on nonaccrual loans. The Company follows its nonaccrual policy by reversing contractual interest income in the income statement when the Company places a loan on nonaccrual status. Loans on nonaccrual status in which there is no allowance assigned are individually evaluated loans that do not carry a specific reserve. See Note 2 – Summary of Significant Accounting Policies for further detailed on individually evaluated loans. The increase in the nonaccrual balance in the above schedule, compared to December 31, 2019, is primarily due to the addition of $21.0 million, formerly accounted for as credit impaired loans, prior to the adoption of ASU 2016-13. These loans were previously excluded from nonaccrual loans. The adoption of CECL resulted in the discontinuation of the pool-level accounting for acquired credit impaired loans and replaced it with loan-level evaluation for nonaccrual status. ​ The following is a summary of information pertaining to non-acquired nonaccrual loans by class, including restructured loans, for comparative periods, prior to the adoption of ASU 2016-13: ​
sc | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | December 31, | ​ | March 31, | ​
(Dollars in thousands) |  | 2019 |  | 2019 |
Commercial non-owner occupied real estate: | ​ | ​ |  | ​ | ​ |  | ​
Construction and land development | ​ | $ | 363 | ​ | $ | 414 | ​
Commercial non-owner occupied | ​ |  | 732 | ​ |  | 505 | ​
Total commercial non-owner occupied real estate | ​ |  | 1,095 | ​ |  | 919 | ​
Consumer real estate: | ​ | ​ | ​ | ​ | ​ | ​ | ​
Consumer owner occupied | ​ |  | 7,202 | ​ |  | 7,658 | ​
Home equity loans | ​ |  | 1,468 | ​ |  | 2,666 | ​
Total consumer real estate | ​ |  | 8,670 | ​ |  | 10,324 | ​
Commercial owner occupied real estate | ​ |  | 3,482 | ​ |  | 1,215 | ​
Commercial and industrial | ​ |  | 4,092 | ​ |  | 286 | ​
Other income producing property | ​ |  | 798 | ​ |  | 596 | ​
Consumer | ​ |  | 1,587 | ​ |  | 1,244 | ​
Restructured loans | ​ |  | 2,578 | ​ |  | 830 | ​
Total loans on nonaccrual status | ​ | $ | 22,302 | ​ | $ | 15,414 | ​
​ The following is a summary of information pertaining to acquired non-credit impaired nonaccrual loans by class, including restructured loans, for comparative periods, prior to the adoption of ASU 2016-13: ​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | December 31, | ​ | March 31, | ​
(Dollars in thousands) |  | 2019 |  | 2019 | ​
Commercial non-owner occupied real estate: | ​ | ​ | ​ | ​ | ​ | ​ | ​
Construction and land development | ​ | $ | 699 | ​ | $ | 1,114 | ​
Commercial non-owner occupied | ​ | ​ | 393 | ​ | ​ | 289 | ​
Total commercial non-owner occupied real estate | ​ | ​ | 1,092 | ​ | ​ | 1,403 | ​
Consumer real estate: | ​ | ​ | ​ | ​ | ​ | ​ | ​
Consumer owner occupied | ​ | ​ | 2,350 | ​ | ​ | 3,693 | ​
Home equity loans | ​ | ​ | 3,067 | ​ | ​ | 4,750 | ​
Total consumer real estate | ​ | ​ | 5,417 | ​ | ​ | 8,443 | ​
Commercial owner occupied real estate | ​ | ​ | 903 | ​ | ​ | 1,664 | ​
Commercial and industrial | ​ | ​ | 722 | ​ | ​ | 915 | ​
Other income producing property | ​ | ​ | 1,101 | ​ | ​ | 205 | ​
Consumer | ​ | ​ | 1,604 | ​ | ​ | 1,664 | ​
Total loans on nonaccrual status | ​ | $ | 10,839 | ​ | $ | 14,294 | ​
​ The following is a summary of collateral dependent loans, by type of collateral, and the extent to which they are collateralized during the period: ​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | December 31, | ​ | Collateral | ​ | March 31, | ​ | Collateral | ​
(Dollars in thousands) |  | 2019 |  | Coverage | % | 2020 |  | Coverage | %
Commercial non-owner occupied | ​ |  | ​ | ​ |  | ​ | ​ | ​ | ​ | ​ |  | ​ | ​
Hotel | ​ |  | 245 | ​ |  | 846 | 345% | ​ | 245 | ​ |  | 1,476 | 602%
Office | ​ | ​ | 1,045 | ​ | ​ | 1,800 | 172% | ​ | 1,045 | ​ | ​ | 1,350 | 129%
Other | ​ | ​ | 398 | ​ | ​ | 648 | 163% | ​ | 398 | ​ | ​ | 608 | 153%
Retail | ​ | ​ | 299 | ​ | ​ | 1,269 | 424% | ​ | 294 | ​ | ​ | 1,269 | 432%
Commercial owner occupied real estate | ​ |  | ​ | ​ |  | ​ | ​ | ​ | ​ | ​ |  | ​ | ​
Industrial | ​ | ​ | 738 | ​ | ​ | 1,103 | 149% | ​ | 738 | ​ | ​ | 1,103 | 149%
Office | ​ | ​ | 1,076 | ​ | ​ | 1,485 | 138% | ​ | 1,076 | ​ | ​ | 1,485 | 138%
Other | ​ | ​ | 3,303 | ​ | ​ | 7,285 | 221% | ​ | 3,676 | ​ | ​ | 8,581 | 233%
Consumer owner occupied | ​ |  | ​ | ​ |  | ​ | ​ | ​ | ​ | ​ |  | ​ | ​
Other | ​ | ​ | 5,413 | ​ | ​ | 9,286 | 172% | ​ | 4,250 | ​ | ​ | 6,040 | 142%
Home equity loans | ​ |  | ​ | ​ |  | ​ | ​ | ​ | ​ | ​ |  | ​ | ​
Other | ​ | ​ | 1,768 | ​ | ​ | 2,679 | 152% | ​ | 3,002 | ​ | ​ | 4,513 | 150%
Commercial and industrial | ​ |  | ​ | ​ |  | ​ | ​ | ​ | ​ | ​ |  | ​ | ​
Industrial | ​ | ​ | 291 | ​ | ​ | 702 | 241% | ​ | — | ​ | ​ | — | 0%
Other | ​ | ​ | 3,696 | ​ | ​ | 8,442 | 228% | ​ | 1,710 | ​ | ​ | 4,389 | 257%
Other income producing property | ​ |  | ​ | ​ |  | ​ | ​ | ​ | ​ | ​ |  | ​ | ​
Other | ​ | ​ | 3,212 | ​ | ​ | 10,186 | 317% | ​ | 2,209 | ​ | ​ | 6,898 | 312%
Consumer | ​ |  | ​ | ​ |  | ​ | ​ | ​ | ​ | ​ |  | ​ | ​
Other | ​ | ​ | 363 | ​ | ​ | 525 | 145% | ​ | 345 | ​ | ​ | 525 | 152%
Total collateral dependent loans | ​ | $ | 21,847 | ​ | $ | 46,256 | ​ | $ | 18,988 | ​ | $ | 38,237 | ​
​ The Bank designates individually evaluated loans (excluding TDRs) on non-accrual with a net book balance of $250,000 or greater as collateral dependent loans. Collateral dependent loans are loans for which the repayment is expected to be provided substantially through the operation or sale of the collateral and the borrower is experiencing financial difficulty. These loans do not share common risk characteristics and are not included within the collectively evaluated loans for determining ACL. Under ASC 326-20-35-6, the Bank has adopted the collateral maintenance practical expedient to measure the ACL based on the fair value of collateral. The ACL is calculated on an individual loan basis based on the shortfall between the fair value of the loan's collateral, which is adjusted for selling costs and amortized cost. If the fair value of the collateral exceeds the amortized cost, no allowance is required. The significant changes above in collateral percentage are due to appraisal value updates or changes in the number of loans within the asset class and collateral type. ​ 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 TDR, sometimes referred to herein as a restructured loan, has occurred. The Bank designates loan modifications as TDRs when it grants a concession to a borrower that it would not otherwise consider due to the borrower experiencing financial difficulty (FASB ASC Topic 310-40). 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. See Note 2 – Summary of Significant Accounting Policies for how such modifications are factored into the determination of the ACL. 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). In prior periods our TDR levels were deemed to be immaterial, therefore no comparative data is shown. ​ The following table presents loans designated as TDRs segregated by class and type of concession that were restructured during the three months ended March 31, 2020. ​
​ | ​ | ​ | ​ | ​ | ​ | ​
​ | Three Months Ended March 31,
​ | 2020
​ | ​ | ​ | Pre-Modification | ​ | Post-Modification | ​
​ | Number | ​ | Amortized | ​ | Amortized | ​
(Dollars in thousands) | of loans | ​ | Cost | ​ | Cost | ​
Interest rate modification | ​ | ​ | ​ | ​ | ​ | ​
Construction and land development | 2 | ​ | $106 | ​ | $106 | ​
Commercial non-owner occupied | -- | ​ | -- | ​ | -- | ​
Commercial owner occupied | -- | ​ | -- | ​ | -- | ​
Consumer owner occupied | 1 | ​ | 30 | ​ | 30 | ​
Home equity loans | -- | ​ | -- | ​ | -- | ​
Commercial and industrial | 6 | ​ | 782 | ​ | 782 | ​
Other income producing property | 1 | ​ | 345 | ​ | 345 | ​
Consumer | -- | ​ | -- | ​ | -- | ​
Other loans | -- | ​ | -- | ​ | -- | ​
Total interest rate modifications | 10 | ​ | $1,263 | ​ | $1,263 | ​
Term modification | ​ | ​ | ​ | ​ | ​ | ​
Construction and land development | - | ​ | $-- | ​ | $-- | ​
Commercial non-owner occupied | -- | ​ | -- | ​ | -- | ​
Commercial owner occupied | -- | ​ | -- | ​ | -- | ​
Consumer owner occupied | 1 | ​ | 52 | ​ | 52 | ​
Home equity loans | 1 | ​ | 52 | ​ | 52 | ​
Commercial and industrial | 1 | ​ | 284 | ​ | 284 | ​
Other income producing property | -- | ​ | -- | ​ | -- | ​
Consumer | -- | ​ | -- | ​ | -- | ​
Other loans | -- | ​ | -- | ​ | -- | ​
Total term modifications | 3 | ​ | $388 | ​ | $388 | ​
​ | 13 | ​ | $ 1,651 | ​ | $ 1,651 | ​
​ At March 31, 2020, the balance of accruing TDRs was $10.9 million. The Company had $1.1 million remaining availability under commitments to lend additional funds on restructured loans at March 31, 2020. The amount of specific reserve associated with restructured loans was $1.1 million at March 31, 2020. ​ ​ ​ ​ ​ ​ ​ ​ The following table presents the changes in status of loans restructured within the previous 12 months as of March 31, 2020 by type of concession. The change in accrual status in this case had no impact on the expected credit losses. ​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | Paying Under | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | Restructured Terms | ​ | Converted to Nonaccrual | ​ | Foreclosures and Defaults
​ | ​ | Number | ​ | Amortized | ​ | Number | ​ | Amortized | ​ | Number | ​ | Amortized
(Dollars in thousands) | ​ | of Loans | ​ | Cost | ​ | of Loans | ​ | Cost | ​ | of Loans | ​ | Cost
Interest rate modification | ​ | 17 | ​ | $ 2,787 | ​ | 2 | ​ | $1,349 | ​ | -- | ​ | $--
Term modification | ​ | 9 | ​ | 905 | ​ | -- | ​ | -- | ​ | -- | ​ | --
​ | ​ | 26 | ​ | $ 3,692 | ​ | 2 | ​ | $1,349 | ​ | -- | ​ | $--
​

X
- 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
Name: | us-gaap_LoansNotesTradeAndOtherReceivablesDisclosureTextBlock
Namespace Prefix: | us-gaap_
Data Type: | nonnum:textBlockItemType
Balance Type: | na
Period Type: | duration

X
- References No definition available. + Details
Name: | us-gaap_ReceivablesAbstract
Namespace Prefix: | us-gaap_
Data Type: | xbrli:stringItemType
Balance Type: | na
Period Type: | duration