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Loans | 3 Months Ended
--- | ---
Mar. 31, 2021
Loans |
Loans | Note 6 — Loans ​ The following is a summary of total loans: ​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | March 31, | ​ | December 31, | ​
(Dollars in thousands) |  | 2021 |  | 2020 |
Loans: | ​ | ​ |  | ​ | ​ |  | ​
Construction and land development (1) | ​ | $ | 1,888,901 | ​ | $ | 1,899,066 | ​
Commercial non-owner occupied | ​ |  | 5,926,453 | ​ |  | 5,931,323 | ​
Commercial owner occupied real estate | ​ |  | 4,826,651 | ​ |  | 4,842,092 | ​
Consumer owner occupied (2) | ​ |  | 4,026,509 | ​ |  | 4,108,042 | ​
Home equity loans | ​ |  | 1,287,088 | ​ |  | 1,336,689 | ​
Commercial and industrial | ​ |  | 5,087,416 | ​ |  | 5,047,147 | ​
Other income producing property | ​ |  | 563,127 | ​ |  | 587,448 | ​
Consumer | ​ |  | 880,134 | ​ |  | 894,334 | ​
Other loans | ​ |  | 5,186 | ​ |  | 17,993 | ​
Total loans | ​ |  | 24,491,465 | ​ |  | 24,664,134 | ​
Less allowance for credit losses | ​ |  | (406,460) | ​ |  | (457,309) | ​
Loans, net | ​ | $ | 24,085,005 | ​ | $ | 24,206,825 | ​
| (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 real estate 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 current period March 31, 2021, to include net deferred cost of $27.7 million and unamortized discount total related to loans acquired of $87.3 million. Accrued interest receivable (AIR) of $89.5 million is accounted for separately and reported in other assets. ​ The Company purchased loans through its acquisition of CSFL in the second quarter of 2020, for which there was, at acquisition, evidence of more than insignificant deterioration of credit quality since origination. The carrying amount of those loans, 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 | ​
​ As part of the ongoing monitoring of the credit quality of our loan portfolio, Management tracks certain credit quality indicators, including trends related to (i) the level of classified loans, (ii) net charge-offs, (iii) non-performing loans (see details below), and (iv) the general economic conditions of the markets that we serve. ​ We utilize a risk grading matrix to assign a risk grade to each commercial loan. Classified loans are assessed at a minimum every six months. A description of the general characteristics of the risk grades is as follows: ​
| ● | Pass—These loans range from minimal credit risk to average, however, still acceptable credit risk.
| ● | Special mention—A special mention loan has potential weaknesses that deserve Management’s close attention. If left uncorrected, these potential weaknesses may result in deterioration of the repayment prospects for the loan or the institution’s credit position at some future date.
| ● | Substandard—A substandard loan is inadequately protected by the current sound worth and paying capacity of the obligor or of the collateral pledged, if any. Loans so classified must have a well-defined weakness, or weaknesses, that may jeopardize the liquidation of the debt. A substandard loan is characterized by the distinct possibility that the Bank will sustain some loss if the deficiencies are not corrected.
| ● | Doubtful—A doubtful loan has all of the weaknesses inherent in one classified as substandard with the added characteristic that the weaknesses make collection or liquidation in full, on the basis of the currently existing facts, conditions and values, highly questionable and improbable.
​ 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 March 31, 2021 | 2021 | 2020 | 2019 | 2018 | 2017 | Prior | Revolving | Total
Construction and land development | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Risk rating: | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Pass | $ 109,475 | $ 446,813 | $ 392,240 | $ 108,104 | $ 76,826 | $ 92,885 | $ 19,029 | $ 1,245,372
Special mention | 828 | 22,740 | 2,785 | 657 | 2,156 | 6,209 | 496 | 35,871
Substandard | 378 | 305 | 2,821 | 442 | 857 | 3,703 | - | 8,506
Doubtful | - | - | - | - | - | 8 | - | 8
Total Construction and land development | $ 110,681 | $ 469,858 | $ 397,846 | $ 109,203 | $ 79,839 | $ 102,805 | $ 19,525 | $ 1,289,757
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Commercial non-owner occupied | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Risk rating: | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Pass | $ 228,835 | $ 781,247 | $ 1,042,267 | $ 795,307 | $ 626,399 | $ 1,757,376 | $ 57,862 | $ 5,289,293
Special mention | 725 | 44,705 | 76,566 | 111,653 | 42,151 | 157,653 | - | 433,453
Substandard | 364 | 477 | 74,662 | 9,855 | 28,205 | 90,098 | - | 203,661
Doubtful | - | - | - | - | - | 46 | - | 46
Total Commercial non-owner occupied | $ 229,924 | $ 826,429 | $ 1,193,495 | $ 916,815 | $ 696,755 | $ 2,005,173 | $ 57,862 | $ 5,926,453
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Commercial Owner Occupied | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Risk rating: | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Pass | $ 163,545 | $ 802,824 | $ 966,904 | $ 691,577 | $ 565,159 | $ 1,401,822 | $ 32,417 | $ 4,624,248
Special mention | 286 | 6,182 | 9,813 | 13,654 | 14,287 | 58,571 | 20 | 102,813
Substandard | 2,536 | 4,112 | 10,499 | 2,230 | 20,180 | 59,972 | 35 | 99,564
Doubtful | - | 1 | - | - | - | 25 | - | 26
Total commercial owner occupied | $ 166,367 | $ 813,119 | $ 987,216 | $ 707,461 | $ 599,626 | $ 1,520,390 | $ 32,472 | $ 4,826,651
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Commercial and industrial | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Risk rating: | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Pass | $ 1,611,235 | $ 1,313,365 | $ 541,430 | $ 405,497 | $ 289,381 | $ 589,987 | $ 259,255 | $ 5,010,150
Special mention | 387 | 2,595 | 2,978 | 2,040 | 7,655 | 27,674 | 2,030 | 45,359
Substandard | 533 | 2,967 | 1,196 | 6,418 | 5,546 | 6,879 | 8,347 | 31,886
Doubtful | - | - | 2 | 2 | 3 | 13 | 1 | 21
Total commercial and industrial | $ 1,612,155 | $ 1,318,927 | $ 545,606 | $ 413,957 | $ 302,585 | $ 624,553 | $ 269,633 | $ 5,087,416
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Other income producing property | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Risk rating: | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Pass | $ 18,529 | $ 92,394 | $ 74,892 | $ 76,332 | $ 50,745 | $ 167,989 | $ 7,395 | $ 488,276
Special mention | 496 | 2,569 | 1,938 | 1,370 | 127 | 12,245 | 41 | 18,786
Substandard | 475 | 926 | 568 | 534 | 124 | 12,758 | 47 | 15,432
Doubtful | - | - | - | - | - | 6 | - | 6
Total other income producing property | $ 19,500 | $ 95,889 | $ 77,398 | $ 78,236 | $ 50,996 | $ 192,998 | $ 7,483 | $ 522,500
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Consumer owner occupied | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Risk rating: | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Pass | $ 398 | $ 7,283 | $ 3,414 | $ 239 | $ 102 | $ 2,202 | $ 14,875 | $ 28,513
Special mention | 221 | 126 | 3,544 | 220 | 60 | 52 | 101 | 4,324
Substandard | - | 105 | 384 | 143 | - | 323 | - | 955
Doubtful | - | - | - | - | - | 146 | - | 146
Total Consumer owner occupied | $ 619 | $ 7,514 | $ 7,342 | $ 602 | $ 162 | $ 2,723 | $ 14,976 | $ 33,938
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Other loans | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Risk rating: | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Pass | $ 5,186 | $ - | $ - | $ - | $ - | $ - | $ - | $ 5,186
Special mention | - | - | - | - | - | - | - | -
Substandard | - | - | - | - | - | - | - | -
Doubtful | - | - | - | - | - | - | - | -
Total other loans | $ 5,186 | $ - | $ - | $ - | $ - | $ - | $ - | $ 5,186
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Total Commercial Loans | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Risk rating: | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Pass | $ 2,137,203 | $ 3,443,926 | $ 3,021,147 | $ 2,077,056 | $ 1,608,612 | $ 4,012,261 | $ 390,833 | $ 16,691,038
Special mention | 2,943 | 78,917 | 97,624 | 129,594 | 66,436 | 262,404 | 2,688 | 640,606
Substandard | 4,286 | 8,892 | 90,130 | 19,622 | 54,912 | 173,733 | 8,429 | 360,004
Doubtful | - | 1 | 2 | 2 | 3 | 244 | 1 | 253
Total Commercial Loans | $ 2,144,432 | $ 3,531,736 | $ 3,208,903 | $ 2,226,274 | $ 1,729,963 | $ 4,448,642 | $ 401,951 | $ 17,691,901
​ ​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ | 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 tables present the credit risk profile by past due status of consumer loans by origination year:
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ | Term Loans
(Dollars in thousands) | Amortized Cost Basis by Origination Year
As of March 31, 2021 | 2021 | 2020 | 2019 | 2018 | 2017 | Prior | Revolving | Total
Consumer owner occupied | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Days past due: | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Current | $ 199,054 | $ 837,846 | $ 654,899 | $ 490,479 | $ 438,647 | $ 1,336,430 | $ - | $ 3,957,355
30 days past due | - | 3,308 | 3,266 | 2,328 | 1,965 | 11,994 | - | 22,861
60 days past due | - | 124 | 58 | - | 119 | 1,235 | - | 1,536
90 days past due | - | - | 353 | 170 | 1,034 | 9,262 | - | 10,819
Total Consumer owner occupied | $ 199,054 | $ 841,278 | $ 658,576 | $ 492,977 | $ 441,765 | $ 1,358,921 | $ - | $ 3,992,571
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Home equity loans | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Days past due: | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Current | $ 2,532 | $ 7,269 | $ 6,546 | $ 5,360 | $ 557 | $ 27,574 | $ 1,226,868 | $ 1,276,706
30 days past due | - | 52 | 156 | 2 | - | 554 | 3,953 | 4,717
60 days past due | - | 65 | - | 65 | - | 212 | 1,163 | 1,505
90 days past due | - | 3 | 221 | 79 | 66 | 2,476 | 1,315 | 4,160
Total Home equity loans | $ 2,532 | $ 7,389 | $ 6,923 | $ 5,506 | $ 623 | $ 30,816 | $ 1,233,299 | $ 1,287,088
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Consumer | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Days past due: | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Current | $ 84,682 | $ 233,869 | $ 180,014 | $ 101,267 | $ 54,976 | $ 190,457 | $ 29,548 | $ 874,813
30 days past due | 15 | 334 | 181 | 255 | 469 | 1,129 | 119 | 2,502
60 days past due | - | 130 | 78 | 186 | 18 | 199 | 2 | 613
90 days past due | - | 102 | 225 | 283 | 48 | 1,476 | 72 | 2,206
Total consumer | $ 84,697 | $ 234,435 | $ 180,498 | $ 101,991 | $ 55,511 | $ 193,261 | $ 29,741 | $ 880,134
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Construction and land development | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Days past due: | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Current | $ 66,685 | $ 374,186 | $ 83,748 | $ 28,822 | $ 11,488 | $ 29,277 | $ - | $ 594,206
30 days past due | - | 3,368 | 1,488 | - | - | - | - | 4,856
60 days past due | - | - | - | - | - | - | - | -
90 days past due | - | - | - | - | - | 82 | - | 82
Total Construction and land development | $ 66,685 | $ 377,554 | $ 85,236 | $ 28,822 | $ 11,488 | $ 29,359 | $ - | $ 599,144
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Other income producing property | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Days past due: | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Current | $ 2,911 | $ 1,913 | $ 1,343 | $ 1,205 | $ 2,345 | $ 30,896 | $ - | $ 40,613
30 days past due | - | - | - | ​ | - | 9 | - | 9
60 days past due | - | - | - | - | - | - | - | -
90 days past due | - | - | - | - | - | 5 | - | 5
Total other income producing property | $ 2,911 | $ 1,913 | $ 1,343 | $ 1,205 | $ 2,345 | $ 30,910 | $ - | $ 40,627
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Total Consumer Loans | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Days past due: | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Current | $ 355,864 | $ 1,455,083 | $ 926,550 | $ 627,133 | $ 508,013 | $ 1,614,634 | $ 1,256,416 | $ 6,743,693
30 days past due | 15 | 7,062 | 5,091 | 2,585 | 2,434 | 13,686 | 4,072 | 34,945
60 days past due | - | 319 | 136 | 251 | 137 | 1,646 | 1,165 | 3,654
90 days past due | - | 105 | 799 | 532 | 1,148 | 13,301 | 1,387 | 17,272
Total Consumer Loans | $ 355,879 | $ 1,462,569 | $ 932,576 | $ 630,501 | $ 511,732 | $ 1,643,267 | $ 1,263,040 | $ 6,799,564
​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ | Term Loans
(Dollars in thousands) | Amortized Cost Basis by Origination Year
As of March 31, 2021 | 2021 | 2020 | 2019 | 2018 | 2017 | Prior | Revolving | Total
Total Loans | $ 2,500,311 | $ 4,994,305 | $ 4,141,479 | $ 2,856,775 | $ 2,241,695 | $ 6,091,909 | $ 1,664,991 | $ 24,491,465
​ ​ ​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ | 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 an aging analysis of past due accruing loans, segregated by class: ​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ | 30 - 59 Days |  | 60 - 89 Days |  | 90+ Days |  | Total |  | ​ |  | Non- | ​ | Total
(Dollars in thousands) | Past Due | ​ | Past Due | ​ | Past Due | ​ | Past Due | ​ | Current | ​ | Accruing | ​ | Loans
March 31, 2021 | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Construction and land development | $ | 572 | ​ | $ | 406 | ​ | $ | 31 | ​ | $ | 1,009 | ​ | $ | 1,886,194 | ​ | $ | 1,698 | ​ | $ | 1,888,901
Commercial non-owner occupied |  | 2,588 | ​ |  | — | ​ |  | — | ​ |  | 2,588 | ​ |  | 5,917,537 | ​ |  | 6,328 | ​ |  | 5,926,453
Commercial owner occupied |  | 561 | ​ | ​ | 839 | ​ |  | 32 | ​ |  | 1,432 | ​ |  | 4,791,417 | ​ |  | 33,802 | ​ |  | 4,826,651
Consumer owner occupied |  | 2,592 | ​ |  | 993 | ​ |  | 74 | ​ |  | 3,659 | ​ |  | 3,994,684 | ​ |  | 28,166 | ​ |  | 4,026,509
Home equity loans |  | 3,520 | ​ |  | 620 | ​ |  | — | ​ |  | 4,140 | ​ |  | 1,272,461 | ​ |  | 10,487 | ​ |  | 1,287,088
Commercial and industrial |  | 13,018 | ​ |  | 3,224 | ​ |  | 636 | ​ |  | 16,878 | ​ |  | 5,061,576 | ​ |  | 8,962 | ​ |  | 5,087,416
Other income producing property |  | 373 | ​ |  | 5 | ​ |  | 184 | ​ |  | 562 | ​ |  | 557,516 | ​ |  | 5,049 | ​ |  | 563,127
Consumer |  | 2,139 | ​ |  | 418 | ​ |  | — | ​ |  | 2,557 | ​ |  | 871,969 | ​ |  | 5,608 | ​ |  | 880,134
Other loans |  | 3 | ​ |  | — | ​ |  | — | ​ |  | 3 | ​ |  | 5,183 | ​ |  | — | ​ |  | 5,186
​ | $ | 25,366 | ​ | $ | 6,505 | ​ | $ | 957 | ​ | $ | 32,828 | ​ | $ | 24,358,537 | ​ | $ | 100,100 | ​ | $ | 24,491,465
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 | ​ |  | 3632 | ​ |  | 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 is a summary of information pertaining to nonaccrual loans by class, including restructured loans: ​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | December 31, | ​ | March 31, | ​ | Greater than | ​ | Non-accrual | ​ | ​
(Dollars in thousands) | ​ | 2020 |  | 2021 | ​ | 90 Days Accruing(1) |  | with no allowance(1) |  |
Construction and land development | ​ | $ | 2,421 | ​ | $ | 1,698 | ​ | $ | 31 | ​ | $ | 23 | ​ | ​
Commercial non-owner occupied | ​ |  | 4,596 | ​ |  | 6,328 | ​ | ​ | — | ​ |  | 1,112 | ​ | ​
Commercial owner occupied real estate | ​ |  | 26,059 | ​ |  | 33,802 | ​ | ​ | 32 | ​ |  | 12,870 | ​ | ​
Consumer owner occupied | ​ |  | 30,746 | ​ |  | 28,166 | ​ | ​ | 74 | ​ |  | 314 | ​ | ​
Home equity loans | ​ |  | 9,944 | ​ |  | 10,487 | ​ | ​ | — | ​ |  | 51 | ​ | ​
Commercial and industrial | ​ |  | 9,218 | ​ |  | 8,962 | ​ | ​ | 636 | ​ |  | 222 | ​ | ​
Other income producing property | ​ |  | 6,130 | ​ |  | 5,049 | ​ | ​ | 184 | ​ |  | 322 | ​ | ​
Consumer | ​ |  | 6,074 | ​ |  | 5,608 | ​ | ​ | — | ​ |  | — | ​ | ​
Total loans on nonaccrual status | ​ | $ | 95,188 | ​ | $ | 100,100 | ​ | $ | 957 | ​ | $ | 14,914 | ​ | ​
| (1) | – Greater than 90 days accruing and non-accrual with no allowance loans at March 31, 2021.
​ There is no interest income recognized during the period on nonaccrual loans. The Company follows its nonaccrual policy by reversing contractual interest income in the income statement when the Company places a loan on nonaccrual status. Loans on nonaccrual status in which there is no allowance assigned are individually evaluated loans that do not carry a specific reserve. See Note 2 – Summary of Significant Accounting Policies for further detailed on individually evaluated loans. ​ ​ The following is a summary of collateral dependent loans, by type of collateral, and the extent to which they are collateralized during the period: ​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | December 31, | ​ | Collateral | ​ | ​ | March 31, | ​ | Collateral | ​ | ​
(Dollars in thousands) | ​ | 2020 |  | Coverage | % | ​ | 2021 |  | Coverage | % | ​
Commercial non-owner occupied | ​ |  | ​ | ​ |  | ​ | ​ | ​ | ​ | ​ | ​ |  | ​ | ​ | ​
Retail | ​ | $ | — | ​ | $ | — | ​ | ​ | $ | 1,112 | ​ | $ | 1,440 | 129% | ​
Commercial owner occupied real estate | ​ |  | ​ | ​ |  | ​ | ​ | ​ | ​ | ​ | ​ |  | ​ | ​ | ​
Office | ​ | ​ | 1,076 | ​ | ​ | 1,485 | 138% | ​ | ​ | 3,833 | ​ | ​ | 2,214 | 58% | ​
Retail | ​ | ​ | 4,849 | ​ | ​ | 5,490 | 113% | ​ | ​ | 9,413 | ​ | ​ | 11,250 | 120% | ​
Other | ​ | ​ | 1,010 | ​ | ​ | 1,075 | 106% | ​ | ​ | — | ​ | ​ | — | ​ | ​
Total collateral dependent loans | ​ | $ | 6,935 | ​ | $ | 8,050 | ​ | ​ | $ | 14,358 | ​ | $ | 14,904 | ​ | ​
​ 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. Overall collateral dependent loans increased $7.4 million during the three months ended March 31, 2021. ​ In the course of resolving delinquent loans, the Bank may choose to restructure the contractual terms of certain loans. Any loans that are modified are reviewed by the Bank to determine if a TDR, sometimes referred to herein as a restructured loan, has occurred. The Bank designates loan modifications as TDRs when it grants a concession to a borrower that it would not otherwise consider due to the borrower experiencing financial difficulty (FASB ASC Topic 310-40). The concessions granted on TDRs generally include terms to reduce the interest rate, extend the term of the debt obligation, or modify the payment structure on the debt obligation. See Note 2 – Summary of Significant Accounting Policies for how such modifications are factored into the determination of the ACL. ​ Loans on nonaccrual status at the date of modification are initially classified as nonaccrual TDRs. Loans on accruing status at the date of concession are initially classified as accruing TDRs if the note is reasonably assured of repayment and performance is expected in accordance with its modified terms. Such loans may be designated as nonaccrual loans subsequent to the concession date if reasonable doubt exists as to the collection of interest or principal under the restructuring agreement. Nonaccrual TDRs are returned to accruing status when there is economic substance to the restructuring, there is documented credit evaluation of the borrower’s financial condition, the remaining balance is reasonably assured of repayment in accordance with its modified terms, and the borrower has demonstrated sustained repayment performance in accordance with the modified terms for a reasonable period of time (generally a minimum of six months). ​ 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 2 – 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 three month period ending March 31, 2021 and 2020. ​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ | Three Months Ended March 31,
​ | 2021 | ​ | 2020
​ | ​ | ​ | Pre-Modification | ​ | Post-Modification | ​ | ​ | ​ | Pre-Modification | ​ | Post-Modification
​ | Number | ​ | Amortized | ​ | Amortized | ​ | Number | ​ | Amortized | ​ | Amortized
(Dollars in thousands) | of loans | ​ | Cost | ​ | Cost | ​ | of loans | ​ | Cost | ​ | Cost
Interest rate modification | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Construction and land development | — | ​ | $ | — | ​ | $ | — | ​ | 2 | ​ | $ | 106 | ​ | $ | 106
Consumer owner occupied | — | ​ | ​ | — | ​ | ​ | — | ​ | 1 | ​ | ​ | 30 | ​ | ​ | 30
Commercial and industrial | — | ​ | ​ | — | ​ | ​ | — | ​ | 6 | ​ | ​ | 782 | ​ | ​ | 782
Other income producing property | 1 | ​ | ​ | 298 | ​ | ​ | 298 | ​ | 1 | ​ | ​ | 345 | ​ | ​ | 345
Total interest rate modifications | 1 | ​ | $ | 298 | ​ | $ | 298 | ​ | 10 | ​ | $ | 1,263 | ​ | $ | 1,263
Term modification | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Consumer owner occupied | — | ​ | $ | — | ​ | $ | — | ​ | 1 | ​ | $ | 52 | ​ | $ | 52
Home equity loans | — | ​ | ​ | — | ​ | ​ | — | ​ | 1 | ​ | ​ | 52 | ​ | ​ | 52
Commercial and industrial | 1 | ​ | ​ | 40 | ​ | ​ | 40 | ​ | 1 | ​ | ​ | 284 | ​ | ​ | 284
Total term modifications | 1 | ​ | $ | 40 | ​ | $ | 40 | ​ | 3 | ​ | $ | 388 | ​ | $ | 388
​ | 2 | ​ | $ | 338 | ​ | $ | 338 | ​ | 13 | ​ | $ | 1,651 | ​ | $ | 1,651
​ At March 31, 2021 and 2020, the balance of accruing TDRs was $14.5 million and $10.9 million, respectively. The Company had $791,000 and $1.1 million remaining availability under commitments to lend additional funds on restructured loans at March 31, 2021 and 2020. The amount of specific reserve associated with restructured loans was $2.4 million and $1.1 million at March 31, 2021 and 2020, respectively. ​ The following table presents the changes in status of loans restructured within the previous 12 months as of March 31, 2021 by type of concession. There were no loans with subsequent default. ​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | 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 | ​ | 10 | ​ | $ 7,620 | ​ | — | ​ | $— | ​ | — | ​ | $—
Term modification | ​ | 8 | ​ | 1,209 | ​ | — | ​ | — | ​ | — | ​ | —
​ | ​ | 18 | ​ | $ 8,829 | ​ | — | ​ | $— | ​ | — | ​ | $—
​

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