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Loans | 12 Months Ended
--- | ---
Dec. 31, 2020
Loans |
Loans | Note 5—Loans The following is a summary of total loans:
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ |  | December 31, |
(Dollars in thousands) |  |  | 2020 | ​ | 2019 |
Loans: | ​ | ​ | ​ |  |  | ​ |  | ​
Construction and land development (1) | ​ | ​ | $ | 1,899,066 | ​ | $ | 1,017,261 | ​
Commercial non-owner occupied | ​ | ​ |  | 5,931,323 | ​ |  | 2,323,967 | ​
Commercial owner occupied real estate | ​ | ​ | ​ | 4,842,092 | ​ | ​ | 2,158,701 | ​
Consumer owner occupied (2) | ​ | ​ |  | 4,108,042 | ​ |  | 2,706,960 | ​
Home equity loans | ​ | ​ |  | 1,336,689 | ​ |  | 758,020 | ​
Commercial and industrial | ​ | ​ |  | 5,047,147 | ​ |  | 1,386,327 | ​
Other income producing property | ​ | ​ |  | 587,448 | ​ |  | 346,554 | ​
Consumer | ​ | ​ |  | 894,334 | ​ |  | 663,422 | ​
Other loans | ​ | ​ |  | 17,993 | ​ |  | 13,892 | ​
Total loans | ​ | ​ |  | 24,664,134 | ​ |  | 11,375,104 | ​
Less allowance for credit losses | ​ | ​ |  | (457,309) | ​ |  | (61,991) | ​
Loans, net | ​ | ​ | $ | 24,206,825 | ​ | $ | 11,313,113 | ​
| (1) | Construction and land development includes loans for both commercial construction and development, as well as loans for 1-4 family construction and lot loans.
| (2) | Consumer owner occupied includes loans on both 1-4 family owner occupied property, as well as 1-4 family investment rental property.
​ In accordance with the adoption of ASU 2016-13, the above table reflects the loan portfolio at the amortized cost basis for the year ended December 31, 2020, to include net deferred fees of $35.6 million and unamortized discount total related to loans acquired of $97.7 million. Accrued interest receivable (AIR) of $93.9 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. ​ 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 unearned 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, |
(Dollars in thousands) |  | 2019 |
Non-acquired loans: | ​ | ​ |  | ​
Commercial non-owner occupied real estate: | ​ | ​ | ​ | ​
Construction and land development | ​ | $ | 968,360 | ​
Commercial non-owner occupied | ​ |  | 1,811,138 | ​
Total commercial non-owner occupied real estate | ​ |  | 2,779,498 | ​
Consumer real estate: | ​ | ​ | ​ | ​
Consumer owner occupied | ​ |  | 2,118,839 | ​
Home equity loans | ​ |  | 518,628 | ​
Total consumer real estate | ​ |  | 2,637,467 | ​
Commercial owner occupied real estate | ​ |  | 1,784,017 | ​
Commercial and industrial | ​ |  | 1,280,859 | ​
Other income producing property | ​ |  | 218,617 | ​
Consumer | ​ |  | 538,481 | ​
Other loans | ​ |  | 13,892 | ​
Total non-acquired loans | ​ |  | 9,252,831 | ​
Less allowance for loan losses | ​ |  | (56,927) | ​
Non-acquired loans, net | ​ | $ | 9,195,904 | ​
​ 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, |
(Dollars in thousands) |  | 2019 |
Acquired non-credit impaired loans: | ​ | ​ |  | ​
Commercial non-owner occupied real estate: | ​ | ​ | ​ | ​
Construction and land development | ​ | $ | 33,569 | ​
Commercial non-owner occupied | ​ |  | 447,441 | ​
Total commercial non-owner occupied real estate | ​ |  | 481,010 | ​
Consumer real estate: | ​ | ​ | ​ | ​
Consumer owner occupied | ​ |  | 496,431 | ​
Home equity loans | ​ |  | 188,732 | ​
Total consumer real estate | ​ |  | 685,163 | ​
Commercial owner occupied real estate | ​ |  | 307,193 | ​
Commercial and industrial | ​ |  | 101,880 | ​
Other income producing property | ​ |  | 95,697 | ​
Consumer | ​ |  | 89,484 | ​
Acquired non-credit impaired loans | ​ | $ | 1,760,427 | ​
​ The unamortized discount related to the acquired non-credit impaired loans totaled $20.3 million at December 31, 2019. ​ 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, |
(Dollars in thousands) |  | 2019 |
Acquired credit impaired loans: | ​ | ​ |  | ​
Commercial real estate | ​ | $ | 130,938 | ​
Commercial real estate—construction and development | ​ |  | 25,032 | ​
Residential real estate | ​ |  | 163,359 | ​
Consumer | ​ |  | 35,488 | ​
Commercial and industrial | ​ |  | 7,029 | ​
Acquired credit impaired loans | ​ |  | 361,846 | ​
Less allowance for loan losses | ​ |  | (5,064) | ​
Acquired credit impaired loans, net | ​ | $ | 356,782 | ​
​ The Company has purchased loans through its acquisition of CSFL, for which there was, at acquisition, evidence of more than insignificant deterioration of credit quality since origination. The carrying amount of those loan, at acquisition, is as follows: ​
​ | ​ | ​ | ​ | ​
(Dollars in thousands) | ​ | June 7, 2020 | ​
Book value of acquired loans at acquisition | ​ | $ | 3,091,264 | ​
Allowance for credit losses at acquisition | ​ |  | (149,404) | ​
Non-credit discount at acquisition | ​ |  | (14,283) | ​
Carrying value or book value of acquired loans at acquisition | ​ | $ | 2,927,577 | ​
​ ​ ​ The following three tables are presented for comparative periods, prior to the adoption of ASU 2016-13, in which accounting rules were different, therefore unrelated to the current reporting period: ​ 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 are as follows: ​
​ | ​ | ​ | ​ | ​ | ​
​ | ​ |  | December 31, | ​
(Dollars in thousands) |  |  | 2019 | ​
Contractual principal and interest | ​ | ​ | $ | 452,818 |
Non-accretable difference | ​ | ​ |  | (13,938) | ​
Cash flows expected to be collected | ​ | ​ |  | 438,880 | ​
Accretable yield | ​ | ​ |  | (82,098) | ​
Carrying value | ​ | ​ | $ | 356,782 | ​
​ 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 |
Balance at beginning of period | ​ | $ | 485,119 | ​
Net reductions for payments, foreclosures, and accretion | ​ |  | (127,877) | ​
Change in the allowance for loan losses on acquired loans | ​ |  | (460) | ​
Balance at end of period, net of allowance for loan losses on acquired credit impaired loans | ​ | $ | 356,782 | ​
​ 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 |
Balance at beginning of period | ​ | $ | 116,754 | ​ | $ | 133,096 | ​
Addition from the PSC acquisition | ​ | ​ | — | ​ | ​ | — | ​
Park Sterling Corporation ("Park Sterling") acquisition Day 1 adjustment | ​ | ​ | — | ​ | ​ | (1,460) | ​
Contractual interest income | ​ |  | (26,515) | ​ |  | (33,115) | ​
Accretion on acquired credit impaired loans | ​ | ​ | (17,813) | ​ | ​ | (19,004) | ​
Reclass of nonaccretable difference due to improvement in expected cash flows | ​ |  | 9,826 | ​ |  | 37,501 | ​
Other changes, net | ​ |  | (154) | ​ |  | (264) | ​
Balance at end of period | ​ | $ | 82,098 | ​ | $ | 116,754 | ​
​ 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). 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. ​ The Company utilizes 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.
​ Construction and land development loans in the following table are on commercial and speculative real estate. Consumer owner occupied loans are on investment or rental 1-4 properties. ​ ​ 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 December 31, 2020 | 2020 | 2019 | 2018 | 2017 | 2016 | Prior | Revolving | Total
Construction and land development | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Risk rating: | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Pass | $ 457,433 | $ 410,075 | $ 133,719 | $ 79,345 | $ 41,018 | $ 53,104 | $ 15,502 | $ 1,190,196
Special mention | 20,912 | 5,668 | 707 | 1,757 | 1,815 | 7,293 | - | 38,152
Substandard | 389 | 2,800 | 763 | 2,087 | 201 | 3,669 | - | 9,909
Doubtful | - | - | - | - | - | 8 | - | 8
Total Construction and land development | $ 478,734 | $ 418,543 | $ 135,189 | $ 83,189 | $ 43,034 | $ 64,074 | $ 15,502 | $ 1,238,265
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Commercial non-owner occupied | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Risk rating: | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Pass | $ 799,175 | $ 1,082,242 | $ 844,988 | $ 661,092 | $ 676,895 | $ 1,196,156 | $ 58,021 | $ 5,318,569
Special mention | 42,492 | 76,890 | 111,466 | 44,790 | 38,637 | 131,015 | - | 445,290
Substandard | 1,351 | 49,662 | 7,497 | 27,224 | 38,617 | 43,109 | - | 167,460
Doubtful | - | - | - | - | - | 4 | - | 4
Total Commercial non-owner occupied | $ 843,018 | $ 1,208,794 | $ 963,951 | $ 733,106 | $ 754,149 | $ 1,370,284 | $ 58,021 | $ 5,931,323
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Commercial Owner Occupied | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Risk rating: | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Pass | $ 805,192 | $ 957,412 | $ 721,808 | $ 603,785 | $ 458,065 | $ 1,042,755 | $ 42,239 | $ 4,631,256
Special mention | 6,993 | 15,984 | 13,021 | 14,457 | 13,597 | 48,775 | 21 | 112,848
Substandard | 5,729 | 4,185 | 4,690 | 20,122 | 15,093 | 48,127 | 36 | 97,982
Doubtful | 1 | - | - | - | - | 5 | - | 6
Total commercial owner occupied | $ 817,915 | $ 977,581 | $ 739,519 | $ 638,364 | $ 486,755 | $ 1,139,662 | $ 42,296 | $ 4,842,092
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Commercial and industrial | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Risk rating: | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Pass | $ 2,723,320 | $ 595,310 | $ 450,238 | $ 308,914 | $ 223,532 | $ 419,555 | $ 247,169 | $ 4,968,038
Special mention | 1,566 | 3,273 | 3,031 | 7,243 | 2,496 | 25,727 | 9,368 | 52,704
Substandard | 347 | 1,070 | 6,202 | 7,718 | 2,808 | 6,010 | 2,240 | 26,395
Doubtful | - | 2 | 1 | 3 | 3 | 1 | ​ | 10
Total commercial and industrial | $ 2,725,233 | $ 599,655 | $ 459,472 | $ 323,878 | $ 228,839 | $ 451,293 | $ 258,777 | $ 5,047,147
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Other income producing property | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Risk rating: | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Pass | $ 95,530 | $ 89,648 | $ 75,301 | $ 55,103 | $ 66,351 | $ 121,304 | $ 6,487 | $ 509,724
Special mention | 2,613 | 1,417 | 1,702 | 235 | 879 | 11,202 | 100 | 18,148
Substandard | 1,071 | 1,046 | 997 | 19 | 1,279 | 13,702 | 47 | 18,161
Doubtful | - | - | - | - | - | 6 | - | 6
Total other income producing property | $ 99,214 | $ 92,111 | $ 78,000 | $ 55,357 | $ 68,509 | $ 146,214 | $ 6,634 | $ 546,039
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Consumer owner occupied | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Risk rating: | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Pass | $ 7,590 | $ 3,527 | $ 356 | $ 339 | $ 1,076 | $ 1,290 | $ 15,502 | $ 29,680
Special mention | 130 | 3,581 | 249 | 62 | - | 124 | 338 | 4,484
Substandard | 113 | 387 | 142 | - | 5 | 326 | - | 973
Doubtful | - | - | - | - | - | - | - | -
Total Consumer owner occupied | $ 7,833 | $ 7,495 | $ 747 | $ 401 | $ 1,081 | $ 1,740 | $ 15,840 | $ 35,137
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Other loans | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Risk rating: | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Pass | $ 17,993 | $ - | $ - | $ - | $ - | $ - | $ - | $ 17,993
Special mention | - | - | - | - | - | - | - | -
Substandard | - | - | - | - | - | - | - | -
Doubtful | - | - | - | - | - | - | - | -
Total other loans | $ 17,993 | $ - | $ - | $ - | $ - | $ - | $ - | $ 17,993
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Total Commercial Loans | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Risk rating: | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Pass | $ 4,906,233 | $ 3,138,214 | $ 2,226,410 | $ 1,708,578 | $ 1,466,937 | $ 2,834,164 | $ 384,920 | $ 16,665,456
Special mention | 74,706 | 106,813 | 130,176 | 68,544 | 57,424 | 224,136 | 9,827 | 671,626
Substandard | 9,000 | 59,150 | 20,291 | 57,170 | 58,003 | 114,943 | 2,323 | 320,880
Doubtful | 1 | 2 | 1 | 3 | 3 | 24 | - | 34
Total Commercial Loans | $ 4,989,940 | $ 3,304,179 | $ 2,376,878 | $ 1,834,295 | $ 1,582,367 | $ 3,173,267 | $ 397,070 | $ 17,657,996
​ 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. Construction and land development loans are on 1-4 properties and lots. 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 December 31, 2020 | 2020 | 2019 | 2018 | 2017 | 2016 | Prior | Revolving | Total
Consumer owner occupied | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Days past due: | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Current | $ 810,215 | $ 675,928 | $ 543,711 | $ 508,160 | $ 392,754 | $ 1,097,008 | $ - | $ 4,027,776
30 days past due | 4,933 | 7,744 | 2,816 | 2,382 | 3,510 | 10,522 | - | 31,907
60 days past due | - | 350 | 1,222 | 621 | 103 | 3,068 | - | 5,364
90 days past due | - | 176 | 264 | 994 | 875 | 5,549 | - | 7,858
Total Consumer owner occupied | $ 815,148 | $ 684,198 | $ 548,013 | $ 512,157 | $ 397,242 | $ 1,116,147 | $ - | $ 4,072,905
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Home equity loans | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Days past due: | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Current | $ 7,654 | $ 6,694 | $ 7,670 | $ 658 | $ 398 | $ 30,039 | $ 1,276,058 | $ 1,329,171
30 days past due | 134 | 52 | - | 79 | - | 272 | 2,324 | 2,861
60 days past due | - | - | - | - | - | 116 | 418 | 534
90 days past due | 155 | 93 | - | 157 | 330 | 1,886 | 1,502 | 4,123
Total Home equity loans | $ 7,943 | $ 6,839 | $ 7,670 | $ 894 | $ 728 | $ 32,313 | $ 1,280,302 | $ 1,336,689
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Consumer | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Days past due: | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Current | $ 291,305 | $ 201,330 | $ 115,203 | $ 62,485 | $ 38,272 | $ 147,101 | $ 32,874 | $ 888,570
30 days past due | 105 | 473 | 454 | 224 | 29 | 1,043 | 23 | 2,351
60 days past due | 68 | 143 | 93 | 61 | 37 | 376 | 47 | 825
90 days past due | 73 | 195 | 272 | 185 | 100 | 1,663 | 100 | 2,588
Total consumer | $ 291,551 | $ 202,141 | $ 116,022 | $ 62,955 | $ 38,438 | $ 150,183 | $ 33,044 | $ 894,334
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Construction and land development | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Days past due: | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Current | $ 370,975 | $ 164,260 | $ 63,936 | $ 18,530 | $ 4,497 | $ 25,399 | $ - | $ 647,597
30 days past due | 6,172 | 3,660 | 161 | - | 2,255 | 184 | - | 12,432
60 days past due | 282 | - | 438 | - | - | - | - | 720
90 days past due | - | - | - | - | - | 52 | - | 52
Total Construction and land development | $ 377,429 | $ 167,920 | $ 64,535 | $ 18,530 | $ 6,752 | $ 25,635 | $ - | $ 660,801
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Other income producing property | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Days past due: | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Current | $ 1,412 | $ 1,351 | $ 1,310 | $ 3,658 | $ 2,045 | $ 31,592 | $ - | $ 41,368
30 days past due | - | - | - | - | - | 27 | - | 27
60 days past due | - | - | - | - | - | 13 | - | 13
90 days past due | - | - | - | - | - | 1 | - | 1
Total other income producing property | $ 1,412 | $ 1,351 | $ 1,310 | $ 3,658 | $ 2,045 | $ 31,633 | $ - | $ 41,409
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Total Consumer Loans | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Days past due: | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Current | $ 1,481,561 | $ 1,049,563 | $ 731,830 | $ 593,491 | $ 437,966 | $ 1,331,139 | $ 1,308,932 | $ 6,934,482
30 days past due | 11,344 | 11,929 | 3,431 | 2,685 | 5,794 | 12,048 | 2,347 | 49,578
60 days past due | 350 | 493 | 1,753 | 682 | 140 | 3,573 | 465 | 7,456
90 days past due | 228 | 464 | 536 | 1,336 | 1,305 | 9,151 | 1,602 | 14,622
Total Consumer Loans | $ 1,493,483 | $ 1,062,449 | $ 737,550 | $ 598,194 | $ 445,205 | $ 1,355,911 | $ 1,313,346 | $ 7,006,138
​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ | Term Loans | ​ | ​
(Dollars in thousands) | Amortized Cost Basis by Origination Year | ​ | ​
As of December 31, 2020 | 2020 | 2019 | 2018 | 2017 | 2016 | Prior | Revolving | Total
Total Loans | $ 6,483,423 | $ 4,366,628 | $ 3,114,428 | $ 2,432,489 | $ 2,027,572 | $ 4,529,178 | $ 1,710,416 | $ 24,664,134
​ ​ ​ 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, | ​ | December 31, | ​ | December 31,
(Dollars in thousands) |  | 2019 |  | 2019 |  | 2019
Pass | ​ | $ | 959,206 | ​ | $ | 1,787,306 | ​ | $ | 1,754,801
Special mention | ​ |  | 7,095 | ​ |  | 22,410 | ​ |  | 19,742
Substandard | ​ |  | 2,059 | ​ |  | 1,422 | ​ |  | 9,474
Doubtful | ​ |  | — | ​ |  | — | ​ |  | —
​ | ​ | $ | 968,360 | ​ | $ | 1,811,138 | ​ | $ | 1,784,017
​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | Commercial & Industrial | ​ | Other Income Producing Property | ​ | Commercial Total |
​ | ​ | December 31, | ​ | December 31, | ​ | December 31, |
​ |  | 2019 |  | 2019 |  | 2019 |
Pass | ​ | $ | 1,256,465 | ​ | $ | 213,291 | ​ | $ | 5,971,069 | ​
Special mention | ​ |  | 16,055 | ​ |  | 3,966 | ​ |  | 69,268 | ​
Substandard | ​ |  | 8,339 | ​ |  | 1,360 | ​ |  | 22,654 | ​
Doubtful | ​ |  | — | ​ |  | — | ​ |  | — | ​
​ | ​ | $ | 1,280,859 | ​ | $ | 218,617 | ​ | $ | 6,062,991 | ​
​ 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, | ​ | December 31, | ​ | December 31,
(Dollars in thousands) |  | 2019 |  | 2019 |  | 2019
Pass | ​ | $ | 2,094,080 | ​ | $ | 508,054 | ​ | $ | 536,002
Special mention | ​ |  | 9,585 | ​ |  | 4,490 | ​ |  | 487
Substandard | ​ |  | 15,174 | ​ |  | 6,084 | ​ |  | 1,992
Doubtful | ​ |  | — | ​ |  | — | ​ |  | —
​ | ​ | $ | 2,118,839 | ​ | $ | 518,628 | ​ | $ | 538,481
​
​ | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | Other | ​ | Consumer Total
​ |  | December 31, 2019 |  | December 31, 2019
Pass | ​ | $ | 13,892 | ​ | $ | 3,152,028
Special mention | ​ |  | — | ​ |  | 14,562
Substandard | ​ |  | — | ​ |  | 23,250
Doubtful | ​ |  | — | ​ |  | —
​ | ​ | $ | 13,892 | ​ | $ | 3,189,840
​ ​ 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,
(Dollars in thousands) |  | 2019
Pass | ​ | $ | 9,123,097
Special mention | ​ |  | 83,830
Substandard | ​ |  | 45,904
Doubtful | ​ |  | —
​ | ​ | $ | 9,252,831
​ ​ 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: ​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ |  | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ |
​ |  | ​ | Construction & Development | ​ | ​ | Commercial Non-owner Occupied | ​ | ​ | Commercial Owner Occupied |
​ |  | ​ | December 31, | ​ | ​ | December 31, | ​ | ​ | December 31, | ​
(Dollars in thousands) |  | 2019 | ​ | 2019 | ​ | 2019 |
Pass | ​ | $ | 31,690 | ​ | $ | 432,710 |  | $ | 300,678 | ​
Special mention | ​ |  | 966 | ​ |  | 14,162 | ​ |  | 3,092 | ​
Substandard | ​ |  | 913 | ​ |  | 569 | ​ |  | 3,423 | ​
Doubtful | ​ |  | — | ​ |  | — | ​ |  | — | ​
​ | ​ | $ | 33,569 | ​ | $ | 447,441 | ​ | $ | 307,193 | ​
​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | ​ | ​ | ​ | Other Income Producing | ​ | ​ | ​
​ | ​ | ​ | Commercial & Industrial | ​ | Property | ​ | Commercial Total
​ | ​ | December 31, | ​ | ​ | December 31, | ​ | December 31,
​ |  | 2019 | ​ | 2019 | ​ | 2019
Pass | ​ | $ | 97,092 |  | $ | 87,892 |  | $ | 950,062
Special mention | ​ |  | 2,948 | ​ |  | 5,837 | ​ |  | 27,005
Substandard | ​ |  | 1,840 | ​ |  | 1,968 | ​ |  | 8,713
Doubtful | ​ |  | — | ​ |  | — | ​ |  | —
​ | ​ | $ | 101,880 | ​ | $ | 95,697 | ​ | $ | 985,780
​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
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, | ​ | December 31, | ​ | ​ | December 31,
(Dollars in thousands) | ​ | 2019 | ​ | 2019 | ​ | ​ | 2019
Pass |  | $ | 486,433 |  | $ | 174,912 |  |  | $ | 86,535
Special mention | ​ |  | 6,434 | ​ |  | 5,679 | ​ | ​ |  | 654
Substandard | ​ |  | 3,564 | ​ |  | 8,141 | ​ | ​ |  | 2,295
Doubtful | ​ |  | — | ​ |  | — | ​ | ​ |  | —
​ | ​ | $ | 496,431 | ​ | $ | 188,732 | ​ | ​ | $ | 89,484
​
​ ​ | ​ | ​ | ​ | ​
​ ​
​ | ​ | ​ | ​ | ​
​ | ​ | ​ | Consumer Total
​ | ​ | ​ | December 31,
(Dollars in thousands) | ​ | ​ | 2019
Pass | ​ |  | $ | 747,880
Special mention | ​ | ​ |  | 12,767
Substandard | ​ | ​ |  | 14,000
Doubtful | ​ | ​ |  | —
​ | ​ | ​ | $ | 774,647
​ ​ ​ ​ 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, | ​
(Dollars in thousands) |  | 2019 | ​
Pass | ​ | $ | 1,697,942 |
Special mention | ​ |  | 39,772 | ​
Substandard | ​ |  | 22,713 | ​
Doubtful | ​ |  | — | ​
​ | ​ | $ | 1,760,427 | ​
​ 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, | ​ | ​ | December 31, |
(Dollars in thousands) |  | 2019 | ​ | 2019 |
Pass | ​ | $ | 108,762 |  | $ | 17,756 | ​
Special mention | ​ |  | 6,465 | ​ |  | 2,904 | ​
Substandard | ​ |  | 15,711 | ​ |  | 4,372 | ​
Doubtful | ​ |  | — | ​ |  | — | ​
​ | ​ | $ | 130,938 | ​ | $ | 25,032 | ​
​ ​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ | Residential Real Estate | ​ | Consumer | ​ | Commercial & Industrial |
​ | December 31, | ​ | December 31, | ​ | December 31, |
​ | 2019 |  | 2019 |  | 2019 |
Pass | $ | 82,203 | ​ | $ | 4,483 | ​ | $ | 5,160 | ​
Special mention |  | 35,968 | ​ |  | 12,658 | ​ |  | 286 | ​
Substandard |  | 45,188 | ​ |  | 18,347 | ​ |  | 1,583 | ​
Doubtful |  | — | ​ |  | — | ​ |  | — | ​
​ | $ | 163,359 | ​ | $ | 35,488 | ​ | $ | 7,029 | ​
​
​ | ​ | ​ | ​ | ​ | ​
​ | ​ | ​ | Total Acquired |
​ | ​ | ​ | Credit Impaired Loans | ​
​ | ​ | ​ | December 31, |
​ |  | ​ | 2019 |
Pass | ​ |  | $ | 218,364 | ​
Special mention | ​ | ​ |  | 58,281 | ​
Substandard | ​ | ​ |  | 85,201 | ​
Doubtful | ​ | ​ |  | — | ​
​ | ​ | ​ | $ | 361,846 | ​
​ 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 accruing loans, segregated by class: ​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ | 30 - 59 Days |  | 60 - 89 Days |  | 90+ Days |  | Total |  | ​ | ​ |  | ​ | ​ | ​ | Total
(Dollars in thousands) | Past Due | ​ | Past Due | ​ | Past Due | ​ | Past Due | ​ | Current | ​ | Non-Accruing | ​ | Loans
December 31, 2020 | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Construction and land development | $ | 520 | ​ | $ | 1,142 | ​ | $ | — | ​ | $ | 1,662 | ​ | $ | 1,894,983 | ​ | $ | 2,421 | ​ | $ | 1,899,066
Commercial non-owner occupied |  | 188 | ​ |  | 372 | ​ |  | 471 | ​ |  | 1,031 | ​ |  | 5,925,696 | ​ |  | 4,596 | ​ |  | 5,931,323
Commercial owner occupied |  | 2,900 | ​ | ​ | 840 | ​ |  | — | ​ |  | 3,740 | ​ |  | 4,812,293 | ​ |  | 26,059 | ​ |  | 4,842,092
Consumer owner occupied |  | 1,375 | ​ |  | 3,632 | ​ |  | 34 | ​ |  | 5,041 | ​ |  | 4,072,255 | ​ |  | 30,746 | ​ |  | 4,108,042
Home equity loans |  | 1,805 | ​ |  | 481 | ​ |  | — | ​ |  | 2,286 | ​ |  | 1,324,459 | ​ |  | 9,944 | ​ |  | 1,336,689
Commercial and industrial |  | 10,979 | ​ |  | 22,089 | ​ |  | 10,864 | ​ |  | 43,932 | ​ |  | 4,993,997 | ​ |  | 9,218 | ​ |  | 5,047,147
Other income producing property |  | 687 | ​ |  | — | ​ |  | 278 | ​ |  | 965 | ​ |  | 580,353 | ​ |  | 6,130 | ​ |  | 587,448
Consumer |  | 1,718 | ​ |  | 818 | ​ |  | 4 | ​ |  | 2,540 | ​ |  | 885,720 | ​ |  | 6,074 | ​ |  | 894,334
Other loans |  | 13 | ​ |  | 6 | ​ |  | — | ​ |  | 19 | ​ |  | 17,974 | ​ |  | — | ​ |  | 17,993
​ | $ | 20,185 | ​ | $ | 29,380 | ​ | $ | 11,651 | ​ | $ | 61,216 | ​ | $ | 24,507,730 | ​ | $ | 95,188 | ​ | $ | 24,664,134
​ The following table presents an aging analysis of past due accruing 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
​ The following table presents an aging analysis of past due accruing 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
​ The following table presents an aging analysis of past due accruing 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
​ ​ The following is a summary of information pertaining to nonaccrual loans by class, including restructured loans: ​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | December 31, | ​ | December 31, | ​ | Greater than | ​ | Non-accrual | ​ | ​
(Dollars in thousands) |  | 2019 |  | 2020 | ​ | 90 Days Accruing(1) |  | with no allowance(1) |  |
Construction and land development | ​ | $ | 1,193 | ​ | $ | 2,421 | ​ | $ | — | ​ | $ | 533 | ​ | ​
Commercial non-owner occupied | ​ |  | 1,154 | ​ |  | 4,596 | ​ | ​ | 471 | ​ |  | — | ​ | ​
Commercial owner occupied real estate | ​ |  | 4,385 | ​ |  | 26,059 | ​ | ​ | — | ​ |  | 9,351 | ​ | ​
Consumer owner occupied | ​ |  | 9,718 | ​ |  | 30,746 | ​ | ​ | 34 | ​ |  | 383 | ​ | ​
Home equity loans | ​ |  | 4,640 | ​ |  | 9,944 | ​ | ​ | — | ​ |  | 52 | ​ | ​
Commercial and industrial | ​ |  | 6,913 | ​ |  | 9,218 | ​ | ​ | 10,864 | ​ |  | 585 | ​ | ​
Other income producing property | ​ |  | 1,947 | ​ |  | 6,130 | ​ | ​ | 278 | ​ |  | 349 | ​ | ​
Consumer | ​ |  | 3,191 | ​ |  | 6,074 | ​ | ​ | 4 | ​ |  | — | ​ | ​
Total loans on nonaccrual status | ​ | $ | 33,141 | ​ | $ | 95,188 | ​ | $ | 11,651 | ​ | $ | 11,253 | ​ | ​
(1)– Greater than 90 days accruing and non-accrual with no allowance loans at December 31, 2020. ​ 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 1—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 mainly due to the addition of nonaccrual loans of $69.3 million through the merger with CSFL in the second quarter. The increase was also partially due to the addition of $21.0 million of PCD loans, 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 ASU 2016-13 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: ​
​ | ​ | ​ | ​ | ​ | ​
​ | ​ | ​ | December 31, |
(Dollars in thousands) |  |  | 2019 |
Commercial non-owner occupied real estate: | ​ | ​ | ​ | ​ | ​
Construction and land development | ​ | ​ | $ | 363 | ​
Commercial non-owner occupied | ​ | ​ |  | 732 | ​
Total commercial non-owner occupied real estate | ​ | ​ |  | 1,095 | ​
Consumer real estate: | ​ | ​ | ​ | ​ | ​
Consumer owner occupied | ​ | ​ |  | 7,202 | ​
Home equity loans | ​ | ​ |  | 1,468 | ​
Total consumer real estate | ​ | ​ |  | 8,670 | ​
Commercial owner occupied real estate | ​ | ​ |  | 3,482 | ​
Commercial and industrial | ​ | ​ |  | 4,092 | ​
Other income producing property | ​ | ​ |  | 798 | ​
Consumer | ​ | ​ |  | 1,587 | ​
Restructured loans | ​ | ​ |  | 2,578 | ​
Total loans on nonaccrual status | ​ | ​ | $ | 22,302 | ​
​ ​ 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,
(Dollars in thousands) |  | 2019
Commercial non-owner occupied real estate: | ​ | ​ | ​
Construction and land development | ​ | $ | 699
Commercial non-owner occupied | ​ | ​ | 393
Total commercial non-owner occupied real estate | ​ | ​ | 1,092
Consumer real estate: | ​ | ​ | ​
Consumer owner occupied | ​ | ​ | 2,350
Home equity loans | ​ | ​ | 3,067
Total consumer real estate | ​ | ​ | 5,417
Commercial owner occupied real estate | ​ | ​ | 903
Commercial and industrial | ​ | ​ | 722
Other income producing property | ​ | ​ | 1,101
Consumer | ​ | ​ | 1,604
Total loans on nonaccrual status | ​ | $ | 10,839
​ 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 | ​ | ​ | December 31, | ​ | Collateral | ​ | ​
(Dollars in thousands) |  | 2019 |  | Coverage | % | ​ | 2020 |  | Coverage | % | ​
Commercial non-owner occupied | ​ |  | ​ | ​ |  | ​ | ​ | ​ | ​ | ​ | ​ |  | ​ | ​ | ​
Church | ​ | $ | 245 | ​ | $ | 846 | 345% | ​ | $ | — | ​ | $ | — | ​ | ​
Office | ​ | ​ | 1,045 | ​ | ​ | 1,800 | 172% | ​ | ​ | — | ​ | ​ | — | ​ | ​
Other | ​ | ​ | 398 | ​ | ​ | 648 | 163% | ​ | ​ | — | ​ | ​ | — | ​ | ​
Retail | ​ | ​ | 299 | ​ | ​ | 1,269 | 424% | ​ | ​ | — | ​ | ​ | — | ​ | ​
Commercial owner occupied real estate | ​ |  | ​ | ​ |  | ​ | ​ | ​ | ​ | ​ | ​ |  | ​ | ​ | ​
Church | ​ | ​ | — | ​ | ​ | — | ​ | ​ | ​ | — | ​ | ​ | — | ​ | ​
Industrial | ​ | ​ | 738 | ​ | ​ | 1,103 | 149% | ​ | ​ | — | ​ | ​ | — | ​ | ​
Office | ​ | ​ | 1,076 | ​ | ​ | 1,485 | 138% | ​ | ​ | 1,076 | ​ | ​ | 1,485 | 138% | ​
Retail | ​ | ​ | — | ​ | ​ | — | ​ | ​ | ​ | 4,849 | ​ | ​ | 5,490 | 113% | ​
Other | ​ | ​ | 3,303 | ​ | ​ | 7,285 | 221% | ​ | ​ | 1,010 | ​ | ​ | 1,075 | 106% | ​
Consumer owner occupied | ​ |  | ​ | ​ |  | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Other | ​ | ​ | 5,413 | ​ | ​ | 9,286 | 172% | ​ | ​ | — | ​ | ​ | — | ​ | ​
Home equity loans | ​ |  | ​ | ​ |  | ​ | ​ | ​ | ​ | ​ | ​ |  | ​ | ​ | ​
Other | ​ | ​ | 1,768 | ​ | ​ | 2,679 | 152% | ​ | ​ | — | ​ | ​ | — | ​ | ​
Commercial and industrial | ​ |  | ​ | ​ |  | ​ | ​ | ​ | ​ | ​ | ​ |  | ​ | ​ | ​
Industrial | ​ | ​ | 291 | ​ | ​ | 702 | 241% | ​ | ​ | — | ​ | ​ | — | ​ | ​
Other | ​ | ​ | 3,696 | ​ | ​ | 8,442 | 228% | ​ | ​ | — | ​ | ​ | — | ​ | ​
Other income producing property | ​ |  | ​ | ​ |  | ​ | ​ | ​ | ​ | ​ | ​ |  | ​ | ​ | ​
Other | ​ | ​ | 3,212 | ​ | ​ | 10,186 | 317% | ​ | ​ | — | ​ | ​ | — | ​ | ​
Consumer | ​ |  | ​ | ​ |  | ​ | ​ | ​ | ​ | ​ | ​ |  | ​ | ​ | ​
Other | ​ | ​ | 363 | ​ | ​ | 525 | 145% | ​ | ​ | — | ​ | ​ | — | ​ | ​
Total collateral dependent loans | ​ | $ | 21,847 | ​ | $ | 46,256 | ​ | ​ | $ | 6,935 | ​ | $ | 8,050 | ​ | ​
​ The Bank designates individually evaluated loans (excluding TDRs) on non-accrual with a net book balance exceeding the designated threshold 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. During the second quarter of 2020, the Bank increased the threshold limit for loans individually evaluated from $500,000 to $1.0 million. 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. Due to the threshold limit change, some of the loans with high collateral value have been removed. Overall collateral dependent loans decreased by $14.9 million from December 31, 2019 compared to the balance at December 31, 2020. Although additional collateral dependent loans of $17.6 million were assumed through the CSFL merger in June 2020, the increase was mostly offset by a reduction in collateral dependent loans, which was resulted from the change in the threshold limit. 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 1—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 Company elected the accounting policy in the CARES Act to not apply TDR accounting to loans modified for borrowers impacted by the COVID-19 pandemic if the concession meets the criteria stipulated in the CARES Act. Details in regards to the Company’s implemented loan modification programs in response to the COVID-19 pandemic under the CARES Act is disclosed under the Note 1—Summary of Significant Accounting Policies. The following table presents loans designated as TDRs segregated by class and type of concession that were restructured during the year ended December 31, 2020. ​
​ | ​ | ​ | ​ | ​ | ​ | ​
​ | Year Ended December 31, 2020 | ​
​ | ​ | ​ | Pre-Modification | ​ | Post-Modification | ​
​ | Number | ​ | Amortized | ​ | Amortized | ​
(Dollars in thousands) | of loans | ​ | Cost | ​ | Cost | ​
Interest rate modification | ​ | ​ | ​ | ​ | ​ | ​
Construction and land development | 2 | ​ | $96 | ​ | $96 | ​
Commercial non-owner occupied | -- | ​ | -- | ​ | -- | ​
Commercial owner occupied | 4 | ​ | 6,905 | ​ | 6,905 | ​
Consumer owner occupied | 1 | ​ | 28 | ​ | 28 | ​
Home equity loans | 1 | ​ | 52 | ​ | 52 | ​
Commercial and industrial | 3 | ​ | 372 | ​ | 372 | ​
Other income producing property | 2 | ​ | 71 | ​ | 71 | ​
Consumer | -- | ​ | -- | ​ | -- | ​
Other loans | -- | ​ | -- | ​ | -- | ​
Total interest rate modifications | 13 | ​ | $7,524 | ​ | $7,524 | ​
Term modification | ​ | ​ | ​ | ​ | ​ | ​
Construction and land development | -- | ​ | $-- | ​ | $-- | ​
Commercial non-owner occupied | -- | ​ | -- | ​ | -- | ​
Commercial owner occupied | 1 | ​ | 180 | ​ | 180 | ​
Consumer owner occupied | 5 | ​ | 579 | ​ | 579 | ​
Home equity loans | 1 | ​ | 50 | ​ | 50 | ​
Commercial and industrial | 2 | ​ | 284 | ​ | 284 | ​
Other income producing property | 1 | ​ | 338 | ​ | 338 | ​
Consumer | 3 | ​ | 120 | ​ | 120 | ​
Other loans | -- | ​ | -- | ​ | -- | ​
Total term modifications | 13 | ​ | $1,551 | ​ | $1,551 | ​
​ | 26 | ​ | $ 9,075 | ​ | $ 9,075 | ​
​ At December 31, 2020, the balance of accruing TDRs was $14.6 million. The Company had $576,493 remaining availability under commitments to lend additional funds on restructured loans at December 31, 2020. The amount of specific reserve associated with restructured loans was $1.2 million at December 31, 2020. ​ The following table presents the changes in status of loans restructured within the previous 12 months as of December 31, 2020 by type of concession. The subsequent default 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 | ​ | 12 | ​ | $ 7,224 | ​ | -- | ​ | $-- | ​ | 1 | ​ | $300
Term modification | ​ | 13 | ​ | 1,551 | ​ | -- | ​ | -- | ​ | -- | ​ | --
​ | ​ | 25 | ​ | $ 8,775 | ​ | -- | ​ | $-- | ​ | 1 | ​ | $300
​

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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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