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Loans (Tables) | 12 Months Ended
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Dec. 31, 2020
Summary of Loans |
Summary of 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.
Schedule of credit risk profile by risk grade of loans | ​ 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 | ​
​
Summary of information pertaining to nonaccrual loans by class | ​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | 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.
Summary of collateral dependent loans, by type of collateral | ​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | 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 | ​ | ​
Schedule of restructured loans segregated by class and type of concession | ​
​ | ​ | ​ | ​ | ​ | ​ | ​
​ | 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 | ​
Schedule of changes in status of loans restructured within the previous 12 months | ​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | 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
CSFL |
Summary of Loans |
Schedule of purchased loans through its acquisition of CSB | ​
​ | ​ | ​ | ​ | ​
(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 | ​
Schedule of contractual loan payments receivable, estimates of amounts not expected to be collected, other fair value adjustments and the resulting carrying values | ​
​ | ​ | ​ | ​ | ​
(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 | ​
Non-acquired loans |
Summary of Loans |
Summary of 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 | ​
Schedule of credit risk profile by risk grade of loans | 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
Aging analysis of past due loans (includes nonaccrual loans), segregated by class of loans | ​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ | 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
​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ |  | 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
Non-acquired loans | Consumer |
Summary of Loans |
Schedule of credit risk profile by risk grade of loans | 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
Acquired credit impaired loans |
Summary of Loans |
Summary of loans | ​
​ | ​ | ​ | ​ | ​
​ |  | 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 | ​
Schedule of purchased loans through its acquisition of CSB | ​
​ | ​ | ​ | ​ | ​ | ​
​ | ​ |  | 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 | ​
Schedule of contractual loan payments receivable, estimates of amounts not expected to be collected, other fair value adjustments and the resulting carrying values | ​
​ | ​ | ​ | ​ | ​ | ​
​ | ​ |  | 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 | ​
Schedule of changes in the carrying value | ​
​ | ​ | ​ | ​ | ​
​ | ​ | 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 | ​
Schedule of refined accretable yield balance | ​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | 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 | ​
Schedule of credit risk profile by risk grade of loans | 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 | ​
Aging analysis of past due loans (includes nonaccrual loans), segregated by class of loans | ​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ |  | 30 - 59 Days |  | 60 - 89 Days |  | 90+ Days |  | Total |  | ​ | ​ |  | Total
(Dollars in thousands) | ​ | Past Due | ​ | Past Due | ​ | Past Due | ​ | Past Due | ​ | Current | ​ | Loans
December 31, 2019 | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Commercial real estate | ​ | $ | 2,283 | ​ | $ | — | ​ | $ | 2,659 | ​ | $ | 4,942 | ​ | $ | 125,996 | ​ | $ | 130,938
Commercial real estate—construction and development | ​ |  | — | ​ |  | — | ​ |  | 393 | ​ |  | 393 | ​ |  | 24,639 | ​ |  | 25,032
Residential real estate | ​ |  | 2,838 | ​ |  | 976 | ​ |  | 5,571 | ​ |  | 9,385 | ​ |  | 153,974 | ​ |  | 163,359
Consumer | ​ |  | 820 | ​ |  | 283 | ​ |  | 534 | ​ |  | 1,637 | ​ |  | 33,851 | ​ |  | 35,488
Commercial and industrial | ​ |  | 118 | ​ |  | 910 | ​ |  | 75 | ​ |  | 1,103 | ​ |  | 5,926 | ​ |  | 7,029
​ | ​ | $ | 6,059 | ​ | $ | 2,169 | ​ | $ | 9,232 | ​ | $ | 17,460 | ​ | $ | 344,386 | ​ | $ | 361,846
Non acquired non-accrual loans |
Summary of Loans |
Summary of information pertaining to nonaccrual loans by class | ​
​ | ​ | ​ | ​ | ​ | ​
​ | ​ | ​ | 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 | ​
Acquired non-credit impaired non-accrual loans |
Summary of Loans |
Summary of information pertaining to nonaccrual loans by class | ​
​ | ​ | ​ | ​
​ | ​ | 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
Acquired non-credit impaired loans |
Summary of Loans |
Summary of loans | 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 | ​
Schedule of credit risk profile by risk grade of loans | ​ 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 | ​
Aging analysis of past due loans (includes nonaccrual loans), segregated by class of loans | ​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ |  | 30 - 59 Days |  | 60 - 89 Days |  | 90+ Days |  | Total |  | ​ | ​ |  | Total
(Dollars in thousands) | ​ | Past Due | ​ | Past Due | ​ | Past Due | ​ | Past Due | ​ | Current | ​ | Loans
December 31, 2019 | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Commercial real estate: | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Construction and land development | ​ | $ | 20 | ​ | $ | — | ​ | $ | 256 | ​ | $ | 276 | ​ | $ | 33,293 | ​ | $ | 33,569
Commercial non-owner occupied | ​ |  | 144 | ​ |  | 1,146 | ​ |  | 76 | ​ |  | 1,366 | ​ |  | 446,075 | ​ |  | 447,441
Commercial owner occupied | ​ |  | 890 | ​ |  | 702 | ​ |  | 698 | ​ |  | 2,290 | ​ |  | 304,903 | ​ |  | 307,193
Consumer real estate: | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Consumer owner occupied | ​ |  | 768 | ​ |  | 151 | ​ |  | 414 | ​ |  | 1,333 | ​ |  | 495,098 | ​ |  | 496,431
Home equity loans | ​ |  | 369 | ​ |  | 55 | ​ |  | 1,154 | ​ |  | 1,578 | ​ |  | 187,154 | ​ |  | 188,732
Commercial and industrial | ​ |  | 93 | ​ |  | 204 | ​ |  | 17 | ​ |  | 314 | ​ |  | 101,566 | ​ |  | 101,880
Other income producing property | ​ |  | 378 | ​ |  | 4,309 | ​ |  | 551 | ​ |  | 5,238 | ​ |  | 90,459 | ​ |  | 95,697
Consumer | ​ |  | 485 | ​ |  | 613 | ​ |  | 423 | ​ |  | 1,521 | ​ |  | 87,963 | ​ |  | 89,484
​ | ​ | $ | 3,147 | ​ | $ | 7,180 | ​ | $ | 3,589 | ​ | $ | 13,916 | ​ | $ | 1,746,511 | ​ | $ | 1,760,427
Acquired non-credit impaired loans | Commercial non-owner occupied real estate |
Summary of Loans |
Schedule of credit risk profile by risk grade of loans | ​ 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
​
Acquired non-credit impaired loans | Consumer |
Summary of Loans |
Schedule of credit risk profile by risk grade of loans | ​ ​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | 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
​

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