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Loans and Allowance for Loan Losses (Tables) | 6 Months Ended
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Jun. 30, 2019
Receivables [Abstract] |
Loan Classification Categorized by Risk Rating Category | The following table outlines the amount of each loan classification categorized into each risk rating category as of June 30, 2019 and December 31, 2018 (in thousands):
| Commercial real estate - mortgage | Consumer real estate - mortgage | Construction and land development | Commercial and industrial | Consumer and other | Total
June 30, 2019 |  |  |  |  |  |
Pass | $ | 7,380,522 |  | $ | 2,900,661 |  | $ | 2,102,602 |  | $ | 5,597,038 |  | $ | 364,773 |  | $ | 18,345,596 |
Special Mention | 96,283 |  | 7,816 |  | 7,015 |  | 47,930 |  | 1,145 |  | 160,189 |
Substandard (1) | 84,797 |  | 11,381 |  | 5,957 |  | 130,256 |  | 65 |  | 232,456 |
Substandard-nonaccrual | 23,790 |  | 29,896 |  | 2,395 |  | 19,883 |  | 111 |  | 76,075 |
Doubtful-nonaccrual | 1 |  | 1 |  | — |  | — |  | — |  | 2 |
Total loans | $ | 7,585,393 |  | $ | 2,949,755 |  | $ | 2,117,969 |  | $ | 5,795,107 |  | $ | 366,094 |  | $ | 18,814,318 |
| Commercial real estate - mortgage | Consumer real estate - mortgage | Construction and land development | Commercial and industrial | Consumer and other | Total
December 31, 2018 |  |  |  |  |  |
Pass | $ | 6,998,485 |  | $ | 2,787,570 |  | $ | 2,059,376 |  | $ | 5,148,726 |  | $ | 352,516 |  | $ | 17,346,673 |
Special Mention | 55,932 |  | 7,902 |  | 4,334 |  | 24,284 |  | 711 |  | 93,163 |
Substandard (1) | 78,202 |  | 20,906 |  | 5,358 |  | 75,351 |  | 62 |  | 179,879 |
Substandard-nonaccrual | 32,335 |  | 28,069 |  | 3,387 |  | 23,060 |  | 983 |  | 87,834 |
Doubtful-nonaccrual | — |  | — |  | — |  | — |  | — |  | — |
Total loans | $ | 7,164,954 |  | $ | 2,844,447 |  | $ | 2,072,455 |  | $ | 5,271,421 |  | $ | 354,272 |  | $ | 17,707,549 |
(1) Potential problem loans represent those loans with a well-defined weakness and where information about possible credit problems of borrowers has caused management to have doubts about the borrower's ability to comply with present repayment terms. This definition is believed to be substantially consistent with the standards established by Pinnacle Bank's primary regulators for loans classified as substandard, excluding troubled debt restructurings. Potential problem loans, which are not included in nonaccrual loans, amounted to approximately $227.5 million at June 30, 2019, compared to $176.3 million at December 31, 2018.
Purchase Credit Impaired Loans | Loans acquired with deteriorated credit quality are recorded pursuant to the provisions of ASC 310-30, and are referred to as purchase credit impaired loans. The following table provides a rollforward of purchase credit impaired loans from December 31, 2018 through June 30, 2019 (in thousands):
| Gross Carrying Value | Accretable Yield | Nonaccretable Yield | Net Carrying Value
December 31, 2018 | $ | 42,837 |  | $ | (114 | ) | $ | (17,394 | ) | $ | 25,329 |
Acquisition | — |  | — |  | — |  | — |
Year-to-date settlements | (8,878 | ) | 197 |  | 3,157 |  | (5,524 | )
June 30, 2019 | $ | 33,959 |  | $ | 83 |  | $ | (14,237 | ) | $ | 19,805 |
Summary of Recorded Investment, Unpaid Principal Balance and Related Allowance and Average Recorded Investment of Impaired Loans | Impaired loans include nonaccrual loans, troubled debt restructurings, and other loans deemed to be impaired but that continue to accrue interest. The following tables detail the recorded investment, unpaid principal balance and related allowance of Pinnacle Financial's impaired loans at June 30, 2019 and December 31, 2018 by loan classification (in thousands):
| At June 30, 2019 |  | At December 31, 2018
| Recorded investment | Unpaid principal balances | Related allowance |  | Recorded investment | Unpaid principal balances | Related allowance
Impaired loans with an allowance: |  |  |  |  |  |
Commercial real estate – mortgage | $ | 12,639 |  | $ | 12,640 |  | $ | 778 |  |  | $ | 14,114 |  | $ | 14,124 |  | $ | 724 |
Consumer real estate – mortgage | 19,770 |  | 19,879 |  | 2,148 |  |  | 19,864 |  | 19,991 |  | 1,443 |
Construction and land development | 626 |  | 621 |  | 43 |  |  | 581 |  | 579 |  | 28 |
Commercial and industrial | 10,634 |  | 10,601 |  | 2,560 |  |  | 9,252 |  | 9,215 |  | 1,441 |
Consumer and other | 111 |  | 134 |  | — |  |  | 983 |  | 1,005 |  | 328 |
Total | $ | 43,780 |  | $ | 43,875 |  | $ | 5,529 |  |  | $ | 44,794 |  | $ | 44,914 |  | $ | 3,964 |
Impaired loans without an allowance: |  |  |  |  |  |  |  |  |  |  |
Commercial real estate – mortgage | $ | 10,332 |  | $ | 10,341 |  | $ | — |  |  | $ | 14,724 |  | $ | 14,739 |  | $ | — |
Consumer real estate – mortgage | 10,885 |  | 10,909 |  | — |  |  | 7,247 |  | 7,271 |  | — |
Construction and land development | — |  | — |  | — |  |  | 1,786 |  | 1,786 |  | — |
Commercial and industrial | 11,318 |  | 11,317 |  | — |  |  | 14,595 |  | 14,627 |  | — |
Consumer and other | — |  | — |  | — |  |  | — |  | — |  | — |
Total | $ | 32,535 |  | $ | 32,567 |  | $ | — |  |  | $ | 38,352 |  | $ | 38,423 |  | $ | — |
Total impaired loans | $ | 76,315 |  | $ | 76,442 |  | $ | 5,529 |  |  | $ | 83,146 |  | $ | 83,337 |  | $ | 3,964 |
For the three and six months ended June 30, 2019, the average balance of impaired loans, was $86.2 million and $85.2 million, respectively, compared to $75.1 million and $69.8 million, respectively, for the same periods in 2018. Pinnacle Financial's policy is that the accrual of interest income will be discontinued when (1) there is a significant deterioration in the financial condition of the borrower and full repayment of principal and interest is not expected or (2) the principal or interest is more than 90 days past due, unless the loan is both well secured and in the process of collection. As such, at the date loans are placed on nonaccrual status, Pinnacle Financial reverses all previously accrued interest income against current year earnings. Pinnacle Financial's policy is that once a loan is placed on nonaccrual status each subsequent payment is reviewed on a case-by-case basis to determine if the payment should be applied to interest or principal pursuant to regulatory guidelines. As detailed in the following table, Pinnacle Financial recognized $89,000 and $176,000, respectively, in interest income from cash payments received on nonaccrual loans during the three and six months ended June 30, 2019 compared to $153,000 and $253,000, respectively, during the three and six months ended June 30, 2018. Had these nonaccruing loans been on accruing status, interest income would have been higher by $1.4 million and $2.6 million, respectively, for the three and six months ended June 30, 2019 compared to $1.2 million and $2.2 million, respectively, higher for the three and six months ended June 30, 2018. The following table details the average recorded investment and the amount of interest income recognized on a cash basis for the three and six months ended June 30, 2019 and 2018, respectively, of impaired loans by loan classification (in thousands):
| For the three months ended June 30, |  | For the six months ended June 30,
| 2019 |  | 2018 |  | 2019 |  | 2018
| Average recorded investment | Interest income recognized |  | Average recorded investment | Interest income recognized |  | Average recorded investment | Interest income recognized |  | Average recorded investment | Interest income recognized
Impaired loans with an allowance: |  |  |  |  |  |  |  |  |  |  |
Commercial real estate – mortgage | $ | 15,589 |  | $ | — |  |  | $ | 12,527 |  | $ | — |  |  | $ | 15,097 |  | $ | — |  |  | $ | 8,968 |  | $ | — |
Consumer real estate – mortgage | 22,219 |  | — |  |  | 11,066 |  | — |  |  | 21,434 |  | — |  |  | 10,053 |  | — |
Construction and land development | 747 |  | — |  |  | 1,059 |  | — |  |  | 692 |  | — |  |  | 1,547 |  | — |
Commercial and industrial | 9,718 |  | — |  |  | 7,976 |  | — |  |  | 9,563 |  | — |  |  | 9,491 |  | — |
Consumer and other | 221 |  | — |  |  | 822 |  | — |  |  | 475 |  | — |  |  | 548 |  | — |
Total | $ | 48,494 |  | $ | — |  |  | $ | 33,450 |  | $ | — |  |  | $ | 47,261 |  | $ | — |  |  | $ | 30,607 |  | $ | — |
Impaired loans without an allowance: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial real estate – mortgage | $ | 13,503 |  | $ | 89 |  |  | $ | 18,493 |  | $ | 153 |  |  | $ | 13,910 |  | $ | 176 |  |  | $ | 17,783 |  | $ | 253 |
Consumer real estate – mortgage | 10,658 |  | — |  |  | 4,805 |  | — |  |  | 9,521 |  | — |  |  | 4,585 |  | — |
Construction and land development | — |  | — |  |  | — |  | — |  |  | 595 |  | — |  |  | 882 |  | — |
Commercial and industrial | 13,505 |  | — |  |  | 18,401 |  | — |  |  | 13,868 |  | — |  |  | 15,902 |  | — |
Consumer and other | — |  | — |  |  | — |  | — |  |  | — |  | — |  |  | — |  | — |
Total | $ | 37,666 |  | $ | 89 |  |  | $ | 41,699 |  | $ | 153 |  |  | $ | 37,894 |  | $ | 176 |  |  | $ | 39,152 |  | $ | 253 |
Total impaired loans | $ | 86,160 |  | $ | 89 |  |  | $ | 75,149 |  | $ | 153 |  |  | $ | 85,155 |  | $ | 176 |  |  | $ | 69,759 |  | $ | 253 |
Troubled Debt Restructurings | The following table outlines the amount of each loan category where troubled debt restructurings were made during the three and six months ended June 30, 2019 and 2018 (dollars in thousands):
| Three Months Ended June 30, |  | Six Months Ended June 30,
2019 | Number of contracts |  | Pre Modification Outstanding Recorded Investment |  | Post Modification Outstanding Recorded Investment, net of related allowance |  | Number of contracts |  | Pre Modification Outstanding Recorded Investment |  | Post Modification Outstanding Recorded Investment, net of related allowance
Commercial real estate – mortgage | — |  |  | $ | — |  |  | $ | — |  |  | — |  |  | $ | — |  |  | $ | — |
Consumer real estate – mortgage | 1 |  |  | 712 |  |  | 626 |  |  | 1 |  |  | 712 |  |  | 626 |
Construction and land development | 1 |  |  | 21 |  |  | 19 |  |  | 1 |  |  | 21 |  |  | 19 |
Commercial and industrial | 1 |  |  | 1,397 |  |  | 796 |  |  | 1 |  |  | 1,397 |  |  | 796 |
Consumer and other | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
| 3 |  |  | $ | 2,130 |  |  | $ | 1,441 |  |  | 3 |  |  | $ | 2,130 |  |  | $ | 1,441 |
2018 |  |  |  |  |  |  |  |  |  |  |
Commercial real estate – mortgage | — |  |  | $ | — |  |  | $ | — |  |  | — |  |  | $ | — |  |  | $ | — |
Consumer real estate – mortgage | 1 |  |  | 38 |  |  | 38 |  |  | 1 |  |  | 38 |  |  | 38 |
Construction and land development | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Commercial and industrial | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Consumer and other | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
| 1 |  |  | $ | 38 |  |  | $ | 38 |  |  | 1 |  |  | $ | 38 |  |  | $ | 38 |
Summary of Loan Portfolio Credit Risk Exposure | Pinnacle Financial utilizes broadly accepted industry classification systems in order to classify borrowers into various industry classifications. Pinnacle Financial has a credit exposure (loans outstanding plus unfunded lines of credit) exceeding 25% of Pinnacle Bank's total risk-based capital to borrowers in the following industries at June 30, 2019 with the comparative exposures for December 31, 2018 (in thousands):
| June 30, 2019 |  |
| Outstanding Principal Balances |  | Unfunded Commitments |  | Total exposure |  | Total Exposure at December 31, 2018
Lessors of nonresidential buildings | $ | 3,375,085 |  |  | $ | 871,369 |  |  | $ | 4,246,454 |  |  | $ | 3,932,059 |
Lessors of residential buildings | 1,003,666 |  |  | 398,766 |  |  | 1,402,432 |  |  | 1,484,697 |
New Housing For-Sale Builders | 508,964 |  |  | 575,435 |  |  | 1,084,399 |  |  | 1,100,989 |
Hotels (except Casino Hotels) and Motels | 847,103 |  |  | 154,986 |  |  | 1,002,089 |  |  | 920,001 |
Past Due Balances by Loan Classification | The table below presents past due balances by loan classification and segment at June 30, 2019 and December 31, 2018, allocated between accruing and nonaccrual status (in thousands):
| Accruing |  | Nonaccruing |  |
June 30, 2019 | 30-89 days past due and accruing | 90 days or more past due and accruing | Total past due and accruing | Current and accruing | Purchase credit impaired |  | Nonaccrual (1) | Nonaccruing purchase credit impaired (1) |  | Total loans
Commercial real estate: |  |  |  |  |  |  |  |  |  |
Owner-occupied | $ | 2,373 |  | $ | 70 |  | $ | 2,443 |  | $ | 2,606,321 |  | $ | 2,450 |  |  | $ | 11,976 |  | $ | 970 |  |  | $ | 2,624,160 |
All other | 4,731 |  | — |  | 4,731 |  | 4,940,587 |  | 5,070 |  |  | 10,828 |  | 17 |  |  | 4,961,233 |
Consumer real estate – mortgage | 10,603 |  | 220 |  | 10,823 |  | 2,905,629 |  | 3,406 |  |  | 25,501 |  | 4,396 |  |  | 2,949,755 |
Construction and land development | 3,469 |  | — |  | 3,469 |  | 2,110,684 |  | 1,421 |  |  | 605 |  | 1,790 |  |  | 2,117,969 |
Commercial and industrial | 11,420 |  | 1,537 |  | 12,957 |  | 5,761,982 |  | 285 |  |  | 19,883 |  | — |  |  | 5,795,107 |
Consumer and other | 4,658 |  | 906 |  | 5,564 |  | 360,419 |  | — |  |  | 111 |  | — |  |  | 366,094 |
Total | $ | 37,254 |  | $ | 2,733 |  | $ | 39,987 |  | $ | 18,685,622 |  | $ | 12,632 |  |  | $ | 68,904 |  | $ | 7,173 |  |  | $ | 18,814,318 |
| Accruing |  | Nonaccruing |  |
December 31, 2018 | 30-89 days past due and accruing | 90 days or more past due and accruing | Total past due and accruing | Current and accruing | Purchase credit impaired |  | Nonaccrual (1) | Nonaccruing purchase credit impaired (1) |  | Total loans
Commercial real estate: |  |  |  |  |  |  |  |  |  |
Owner-occupied | $ | 10,170 |  | $ | — |  | $ | 10,170 |  | $ | 2,623,700 |  | $ | 2,664 |  |  | $ | 16,025 |  | $ | 874 |  |  | $ | 2,653,433 |
All other | 1,586 |  | — |  | 1,586 |  | 4,488,840 |  | 5,659 |  |  | 12,634 |  | 2,802 |  |  | 4,511,521 |
Consumer real estate – mortgage | 18,059 |  | — |  | 18,059 |  | 2,794,630 |  | 3,689 |  |  | 22,564 |  | 5,505 |  |  | 2,844,447 |
Construction and land development | 3,759 |  | — |  | 3,759 |  | 2,063,201 |  | 2,108 |  |  | 2,020 |  | 1,367 |  |  | 2,072,455 |
Commercial and industrial | 21,451 |  | 1,082 |  | 22,533 |  | 5,225,205 |  | 623 |  |  | 23,022 |  | 38 |  |  | 5,271,421 |
Consumer and other | 3,276 |  | 476 |  | 3,752 |  | 349,537 |  | — |  |  | 983 |  | — |  |  | 354,272 |
Total | $ | 58,301 |  | $ | 1,558 |  | $ | 59,859 |  | $ | 17,545,113 |  | $ | 14,743 |  |  | $ | 77,248 |  | $ | 10,586 |  |  | $ | 17,707,549 |
(1) Approximately $34.8 million and $52.5 million of nonaccrual loans as of June 30, 2019 and December 31, 2018, respectively, were performing pursuant to their contractual terms at those dates.
Details of Changes in the Allowance for Loan Losses | The following table details the changes in the allowance for loan losses for the three and six months ended June 30, 2019 and 2018, respectively, by loan classification (in thousands):
| Commercial real estate - mortgage | Consumer real estate - mortgage | Construction and land development | Commercial and industrial | Consumer and other | Unallocated | Total
Three months ended June 30, 2019: |  |  |  |  |  |  |
Balance at March 31, 2019 | $ | 30,167 |  | $ | 8,369 |  | $ | 10,915 |  | $ | 32,699 |  | $ | 4,803 |  | $ | 241 |  | $ | 87,194 |
Charged-off loans | (1,065 | ) | (580 | ) | (4 | ) | (5,408 | ) | (1,423 | ) | — |  | (8,480 | )
Recovery of previously charged-off loans | 892 |  | 372 |  | 19 |  | 2,744 |  | 317 |  | — |  | 4,344 |
Provision for loan losses | 832 |  | 328 |  | 276 |  | 7,401 |  | (1,583 | ) | (59 | ) | 7,195 |
Balance at June 30, 2019 | $ | 30,826 |  | $ | 8,489 |  | $ | 11,206 |  | $ | 37,436 |  | $ | 2,114 |  | $ | 182 |  | $ | 90,253 |
Three months ended June 30, 2018: |  |  |  |  |  |  |  |  |  |  |  |  |  |
Balance at March 31, 2018 | $ | 22,688 |  | $ | 5,100 |  | $ | 10,116 |  | $ | 26,648 |  | $ | 5,476 |  | $ | 176 |  | $ | 70,204 |
Charged-off loans | (234 | ) | (935 | ) | (10 | ) | (1,724 | ) | (3,795 | ) | — |  | (6,698 | )
Recovery of previously charged-off loans | 58 |  | 537 |  | 1,010 |  | 567 |  | 590 |  | — |  | 2,762 |
Provision for loan losses | 2,336 |  | 1,151 |  | (132 | ) | 2,847 |  | 2,901 |  | 299 |  | 9,402 |
Balance at June 30, 2018 | $ | 24,848 |  | $ | 5,853 |  | $ | 10,984 |  | $ | 28,338 |  | $ | 5,172 |  | $ | 475 |  | $ | 75,670 |
Six months ended June 30, 2019: |  |  |  |  |  |  |
Balance at December 31, 2018 | $ | 26,946 |  | $ | 7,670 |  | $ | 11,128 |  | $ | 31,731 |  | $ | 5,423 |  | $ | 677 |  | $ | 83,575 |
Charged-off loans | (1,599 | ) | (930 | ) | (4 | ) | (8,760 | ) | (3,255 | ) | — |  | (14,548 | )
Recovery of previously charged-off loans | 964 |  | 741 |  | 141 |  | 4,342 |  | 659 |  | — |  | 6,847 |
Provision for loan losses | 4,515 |  | 1,008 |  | (59 | ) | 10,123 |  | (713 | ) | (495 | ) | 14,379 |
Balance at June 30, 2019 | $ | 30,826 |  | $ | 8,489 |  | $ | 11,206 |  | $ | 37,436 |  | $ | 2,114 |  | $ | 182 |  | $ | 90,253 |
Six months ended June 30, 2018: |  |  |  |  |  |  |  |  |  |  |  |  |  |
Balance at December 31, 2017 | $ | 21,188 |  | $ | 5,031 |  | $ | 8,962 |  | $ | 24,863 |  | $ | 5,874 |  | $ | 1,322 |  | $ | 67,240 |
Charged-off loans | (962 | ) | (1,271 | ) | (12 | ) | (4,264 | ) | (8,858 | ) | — |  | (15,367 | )
Recovery of previously charged-off loans | 1,454 |  | 1,203 |  | 1,575 |  | 1,455 |  | 1,777 |  | — |  | 7,464 |
Provision for loan losses | 3,168 |  | 890 |  | 459 |  | 6,284 |  | 6,379 |  | (847 | ) | 16,333 |
Balance at June 30, 2018 | $ | 24,848 |  | $ | 5,853 |  | $ | 10,984 |  | $ | 28,338 |  | $ | 5,172 |  | $ | 475 |  | $ | 75,670 |
The following table details the allowance for loan losses and recorded investment in loans by loan classification and by impairment evaluation method as of June 30, 2019 and December 31, 2018, respectively (in thousands):
| Commercial real estate - mortgage | Consumer real estate - mortgage | Construction and land development | Commercial and industrial | Consumer and other | Unallocated | Total
June 30, 2019 |  |  |  |  |  |  |  |  |  |  |  |  |  |
Allowance for Loan Losses: |  |  |  |  |  |  |  |  |  |  |  |  |  |
Collectively evaluated for impairment | $ | 30,048 |  | $ | 6,341 |  | $ | 11,163 |  | $ | 34,876 |  | $ | 2,114 |  |  |  | $ | 84,542 |
Individually evaluated for impairment | 778 |  | 2,148 |  | 43 |  | 2,560 |  | — |  |  |  | 5,529 |
Loans acquired with deteriorated credit quality(1) | — |  | — |  | — |  | — |  | — |  |  |  | — |
Total allowance for loan losses | $ | 30,826 |  | $ | 8,489 |  | $ | 11,206 |  | $ | 37,436 |  | $ | 2,114 |  | $ | 182 |  | $ | 90,253 |
Loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |
Collectively evaluated for impairment | $ | 7,553,915 |  | $ | 2,911,298 |  | $ | 2,114,132 |  | $ | 5,772,870 |  | $ | 365,983 |  |  |  | $ | 18,718,198 |
Individually evaluated for impairment | 22,971 |  | 30,655 |  | 626 |  | 21,952 |  | 111 |  |  |  | 76,315 |
Loans acquired with deteriorated credit quality | 8,507 |  | 7,802 |  | 3,211 |  | 285 |  | — |  |  |  | 19,805 |
Total loans | $ | 7,585,393 |  | $ | 2,949,755 |  | $ | 2,117,969 |  | $ | 5,795,107 |  | $ | 366,094 |  |  |  | $ | 18,814,318 |
December 31, 2018 |  |  |  |  |  |  |  |  |  |  |  |  |  |
Allowance for Loan Losses: |  |  |  |  |  |  |  |  |  |  |  |  |  |
Collectively evaluated for impairment | $ | 26,222 |  | $ | 6,227 |  | $ | 11,100 |  | $ | 30,290 |  | $ | 5,095 |  |  |  | $ | 78,934 |
Individually evaluated for impairment | 724 |  | 1,443 |  | 28 |  | 1,441 |  | 328 |  |  |  | 3,964 |
Loans acquired with deteriorated credit quality(1) | — |  | — |  | — |  | — |  | — |  |  |  | — |
Total allowance for loan losses | $ | 26,946 |  | $ | 7,670 |  | $ | 11,128 |  | $ | 31,731 |  | $ | 5,423 |  | $ | 677 |  | $ | 83,575 |
Loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |
Collectively evaluated for impairment | $ | 7,124,117 |  | $ | 2,808,142 |  | $ | 2,066,613 |  | $ | 5,246,913 |  | $ | 353,289 |  |  |  | $ | 17,599,074 |
Individually evaluated for impairment | 28,838 |  | 27,111 |  | 2,367 |  | 23,847 |  | 983 |  |  |  | 83,146 |
Loans acquired with deteriorated credit quality | 11,999 |  | 9,194 |  | 3,475 |  | 661 |  | — |  |  |  | 25,329 |
Total loans | $ | 7,164,954 |  | $ | 2,844,447 |  | $ | 2,072,455 |  | $ | 5,271,421 |  | $ | 354,272 |  |  |  | $ | 17,707,549 |
(1) Loans acquired with deteriorated credit quality are recorded at fair value at the time of acquisition. An allowance for loan losses is recorded only in the event of subsequent credit deterioration.

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- Definition Tabular disclosure of financing receivables by credit quality indicator. The credit quality indicator is a statistic about the credit quality of financing receivables. Examples include, but not limited to, consumer credit risk scores, credit-rating-agency ratings, an entity's internal credit risk grades, loan-to-value ratios, collateral, collection experience and other internal metrics. + References Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef -Publisher FASB -Name Accounting Standards Codification -Topic 326 -SubTopic 20 -Section 50 -Paragraph 5 -URI http://asc.fasb.org/extlink&oid=119407570&loc=SL82919230-210447 Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef -Publisher FASB -Name Accounting Standards Codification -Topic 310 -SubTopic 10 -Section 50 -Paragraph 29 -URI http://asc.fasb.org/extlink&oid=118936363&loc=SL6953659-111524 + Details
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- Definition Tabular disclosure of impaired financing receivables. + References Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef -Publisher FASB -Name Accounting Standards Codification -Topic 310 -SubTopic 10 -Section 50 -Paragraph 15 -URI http://asc.fasb.org/extlink&oid=118936363&loc=d3e5212-111524 + Details
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- Definition Tabular disclosure of aging analysis for financing receivable. + References Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef -Publisher FASB -Name Accounting Standards Codification -Topic 326 -SubTopic 20 -Section 50 -Paragraph 14 -URI http://asc.fasb.org/extlink&oid=119407570&loc=SL82919253-210447 Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef -Publisher FASB -Name Accounting Standards Codification -Topic 310 -SubTopic 10 -Section 50 -Paragraph 7A -URI http://asc.fasb.org/extlink&oid=118936363&loc=SL6953401-111524 Reference 3: http://www.xbrl.org/2003/role/exampleRef -Publisher FASB -Name Accounting Standards Codification -Topic 326 -SubTopic 20 -Section 55 -Paragraph 80 -URI http://asc.fasb.org/extlink&oid=118955255&loc=SL82922355-210448 Reference 4: http://fasb.org/us-gaap/role/ref/legacyRef -Publisher FASB -Name Accounting Standards Codification -Topic 310 -SubTopic 10 -Section 50 -Paragraph 7 -URI http://asc.fasb.org/extlink&oid=118936363&loc=d3e5111-111524 + Details
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- Definition Tabular disclosure of financing receivable modified as troubled debt restructuring. + References Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef -Publisher FASB -Name Accounting Standards Codification -Topic 310 -SubTopic 10 -Section 50 -Paragraph 33 -URI http://asc.fasb.org/extlink&oid=118936363&loc=SL6953676-111524 Reference 2: http://www.xbrl.org/2009/role/commonPracticeRef -Publisher FASB -Name Accounting Standards Codification -Topic 310 -SubTopic 10 -Section 50 -Paragraph 34 -URI http://asc.fasb.org/extlink&oid=118936363&loc=SL6953682-111524 + Details
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