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Loans (Tables)

12 Months Ended

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

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