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Loans And Allowance For Loan Losses (Tables) | 12 Months Ended
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Dec. 31, 2020
Receivables [Abstract] |
Schedule of Current, Accruing Past Due, and Nonaccrual Loans | The following tables provide a summary of current, accruing past due, and non-accrual loans by portfolio class as of December 31, 2020 and December 31, 2019.
| December 31, 2020 |
(in thousands) | Current |  | Accruing 30-89 Days Past Due |  | Accruing 90 Days or Greater Past Due |  | Total Accruing Past Due |  | Non-accrual with an ALL |  | Non-accrual without an ALL |  | Total |
Commercial, financial, and agricultural | $ | 12,486,261 |  |  | $ | 10,256 |  |  | $ | 996 |  |  | $ | 11,252 |  |  | $ | 55,527 |  |  | $ | 21,859 |  |  | $ | 12,574,899 |  |
Owner-occupied | 6,776,756 |  |  | 1,913 |  |  | 92 |  |  | 2,005 |  |  | 20,019 |  |  | — |  |  | 6,798,780 |  |
Total commercial and industrial | 19,263,017 |  |  | 12,169 |  |  | 1,088 |  |  | 13,257 |  |  | 75,546 |  |  | 21,859 |  |  | 19,373,679 |  |
Investment properties | 9,318,994 |  |  | 2,751 |  |  | 154 |  |  | 2,905 |  |  | 24,631 |  |  | — |  |  | 9,346,530 |  |
1-4 family properties | 621,965 |  |  | 3,548 |  |  | 36 |  |  | 3,584 |  |  | 2,383 |  |  | 1,236 |  |  | 629,168 |  |
Land and development | 592,151 |  |  | 422 |  |  | — |  |  | 422 |  |  | 1,899 |  |  | 264 |  |  | 594,736 |  |
Total commercial real estate | 10,533,110 |  |  | 6,721 |  |  | 190 |  |  | 6,911 |  |  | 28,913 |  |  | 1,500 |  |  | 10,570,434 |  |
Consumer mortgages | 5,489,624 |  |  | 8,851 |  |  | 485 |  |  | 9,336 |  |  | 8,740 |  |  | — |  |  | 5,507,700 |  |
Home equity lines | 1,507,685 |  |  | 4,006 |  |  | — |  |  | 4,006 |  |  | 12,145 |  |  | — |  |  | 1,523,836 |  |
Credit cards | 276,778 |  |  | 2,363 |  |  | 1,877 |  |  | 4,240 |  |  | — |  |  | — |  |  | 281,018 |  |
Other consumer loans | 1,062,014 |  |  | 9,122 |  |  | 477 |  |  | 9,599 |  |  | 2,376 |  |  | — |  |  | 1,073,989 |  |
Total consumer | 8,336,101 |  |  | 24,342 |  |  | 2,839 |  |  | 27,181 |  |  | 23,261 |  |  | — |  |  | 8,386,543 |  |
Total loans | $ | 38,132,228 |  |  | $ | 43,232 |  |  | $ | 4,117 |  |  | $ | 47,349 |  |  | $ | 127,720 |  |  | $ | 23,359 |  |  | $ | 38,330,656 |  | (1)
| December 31, 2019 |
(in thousands) | Current |  | Accruing 30-89 Days Past Due |  | Accruing 90 Days or Greater Past Due |  | Total Accruing Past Due |  | Non-accrual |  | ASC 310-30 Loans(2) |  | Total |
Commercial, financial, and agricultural | $ | 9,124,285 |  |  | $ | 38,916 |  |  | $ | 1,206 |  |  | $ | 40,122 |  |  | $ | 56,017 |  |  | $ | 1,019,135 |  |  | $ | 10,239,559 |  |
Owner-occupied | 5,691,095 |  |  | 5,164 |  |  | 576 |  |  | 5,740 |  |  | 9,780 |  |  | 823,196 |  |  | 6,529,811 |  |
Total commercial and industrial | 14,815,380 |  |  | 44,080 |  |  | 1,782 |  |  | 45,862 |  |  | 65,797 |  |  | 1,842,331 |  |  | 16,769,370 |  |
Investment properties | 7,264,794 |  |  | 1,344 |  |  | — |  |  | 1,344 |  |  | 1,581 |  |  | 1,736,608 |  |  | 9,004,327 |  |
1-4 family properties | 733,984 |  |  | 2,073 |  |  | 304 |  |  | 2,377 |  |  | 2,253 |  |  | 41,401 |  |  | 780,015 |  |
Land and development | 629,363 |  |  | 808 |  |  | — |  |  | 808 |  |  | 1,110 |  |  | 78,161 |  |  | 709,442 |  |
Total commercial real estate | 8,628,141 |  |  | 4,225 |  |  | 304 |  |  | 4,529 |  |  | 4,944 |  |  | 1,856,170 |  |  | 10,493,784 |  |
Consumer mortgages | 3,681,553 |  |  | 4,223 |  |  | 730 |  |  | 4,953 |  |  | 11,369 |  |  | 1,848,493 |  |  | 5,546,368 |  |
Home equity lines | 1,691,759 |  |  | 7,038 |  |  | 171 |  |  | 7,209 |  |  | 12,034 |  |  | 2,155 |  |  | 1,713,157 |  |
Credit cards | 263,065 |  |  | 3,076 |  |  | 2,700 |  |  | 5,776 |  |  | — |  |  | — |  |  | 268,841 |  |
Other consumer loans | 2,363,101 |  |  | 18,688 |  |  | 616 |  |  | 19,304 |  |  | 5,704 |  |  | 8,185 |  |  | 2,396,294 |  |
Total consumer | 7,999,478 |  |  | 33,025 |  |  | 4,217 |  |  | 37,242 |  |  | 29,107 |  |  | 1,858,833 |  |  | 9,924,660 |  |
Total loans | $ | 31,442,999 |  |  | $ | 81,330 |  |  | $ | 6,303 |  |  | $ | 87,633 |  |  | $ | 99,848 |  |  | $ | 5,557,334 |  |  | $ | 37,187,814 |  | (3)
(1) Total before net deferred fees and costs of $77.7 million, of which $48.9 million relates to PPP loans. (2) Represents loans (at fair value) acquired from FCB accounted for under ASC 310-30, net of di scount of $90.3 million and payments since Acquisition Date and also include $1.8 million in non-accruing loans, $9.6 million in accruing 90 days or greater past due loans, and $26.5 million in accruing 30-89 days past due loans. (3) Total before net deferred fees and costs of $25.4 million.
Loan Portfolio Credit Exposure | In the following tables, consumer loans are generally assigned a risk grade similar to the classifications described above; however, upon reaching 90 days and 120 days past due, they are generally downgraded to Substandard and Loss, respectively, in accordance with the FFIEC Retail Credit Classification Policy. Additionally, in accordance with Interagency Supervisory Guidance, the risk grade classifications of consumer loans (consumer mortgages and HELOCs) secured by junior liens on 1-4 family residential properties also consider available information on the payment status of the associated senior liens with other financial institutions. The following table summarizes each loan portfolio class by regulatory risk grade and origination year as of December 31, 2020 as required by CECL.
| December 31, 2020
| Term Loans Amortized Cost Basis by Origination Year |  | Revolving Loans |  |
(in thousands) | 2020 |  | 2019 |  | 2018 |  | 2017 |  | 2016 |  | Prior |  | Amortized Cost Basis |  | Converted to Term Loans |  | Total
Commercial, financial and agricultural |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | $ | 3,862,940 |  |  | $ | 1,334,892 |  |  | $ | 847,647 |  |  | $ | 582,854 |  |  | $ | 552,666 |  |  | $ | 685,326 |  |  | $ | 4,168,795 |  |  | $ | 49,827 |  |  | $ | 12,084,947 |
Special Mention | 63,307 |  |  | 40,618 |  |  | 12,723 |  |  | 22,070 |  |  | 1,665 |  |  | 5,545 |  |  | 60,741 |  |  | 489 |  |  | 207,158 |
Substandard(1) | 28,698 |  |  | 36,618 |  |  | 24,867 |  |  | 36,072 |  |  | 12,808 |  |  | 35,172 |  |  | 84,498 |  |  | 514 |  |  | 259,247 |
Doubtful(2) | — |  |  | 3,721 |  |  | 19,778 |  |  | — |  |  | — |  |  | — |  |  | 48 |  |  | — |  |  | 23,547 |
Total commercial, financial and agricultural | 3,954,945 |  |  | 1,415,849 |  |  | 905,015 |  |  | 640,996 |  |  | 567,139 |  |  | 726,043 |  |  | 4,314,082 |  |  | 50,830 |  |  | 12,574,899 |
Owner-occupied |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | 1,326,170 |  |  | 1,134,402 |  |  | 1,061,206 |  |  | 983,684 |  |  | 555,346 |  |  | 1,246,775 |  |  | 294,103 |  |  | — |  |  | 6,601,686 |
Special Mention | 6,170 |  |  | 9,995 |  |  | 10,682 |  |  | 14,138 |  |  | 1,582 |  |  | 13,768 |  |  | — |  |  | — |  |  | 56,335 |
Substandard(1) | 2,570 |  |  | 22,793 |  |  | 42,615 |  |  | 26,033 |  |  | 7,316 |  |  | 29,794 |  |  | — |  |  | — |  |  | 131,121 |
Doubtful(2) | — |  |  | — |  |  | 9,638 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 9,638 |
Total owner-occupied | 1,334,910 |  |  | 1,167,190 |  |  | 1,124,141 |  |  | 1,023,855 |  |  | 564,244 |  |  | 1,290,337 |  |  | 294,103 |  |  | — |  |  | 6,798,780 |
Total commercial and industrial | 5,289,855 |  |  | 2,583,039 |  |  | 2,029,156 |  |  | 1,664,851 |  |  | 1,131,383 |  |  | 2,016,380 |  |  | 4,608,185 |  |  | 50,830 |  |  | 19,373,679 |
Investment properties |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | 1,066,755 |  |  | 2,278,012 |  |  | 2,074,887 |  |  | 1,092,635 |  |  | 484,223 |  |  | 1,302,097 |  |  | 231,786 |  |  | — |  |  | 8,530,395 |
Special Mention | 1,482 |  |  | 66,160 |  |  | 176,794 |  |  | 136,004 |  |  | 138,362 |  |  | 129,401 |  |  | 55,440 |  |  | — |  |  | 703,643 |
Substandard(1) | 1,007 |  |  | 4,770 |  |  | 24,476 |  |  | 19,820 |  |  | 21,875 |  |  | 40,509 |  |  | 35 |  |  | — |  |  | 112,492 |
Total investment properties | 1,069,244 |  |  | 2,348,942 |  |  | 2,276,157 |  |  | 1,248,459 |  |  | 644,460 |  |  | 1,472,007 |  |  | 287,261 |  |  | — |  |  | 9,346,530 |
1-4 family properties |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | 197,442 |  |  | 95,210 |  |  | 70,314 |  |  | 88,507 |  |  | 38,742 |  |  | 97,379 |  |  | 27,825 |  |  | — |  |  | 615,419 |
Special Mention | 402 |  |  | — |  |  | 508 |  |  | 109 |  |  | 786 |  |  | 118 |  |  | — |  |  | — |  |  | 1,923 |
Substandard(1) | 1,527 |  |  | 653 |  |  | 4,312 |  |  | 1,141 |  |  | 554 |  |  | 2,299 |  |  | 1,340 |  |  | — |  |  | 11,826 |
Total 1-4 family properties | 199,371 |  |  | 95,863 |  |  | 75,134 |  |  | 89,757 |  |  | 40,082 |  |  | 99,796 |  |  | 29,165 |  |  | — |  |  | 629,168 |
Land and development |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | 85,335 |  |  | 173,735 |  |  | 83,784 |  |  | 92,979 |  |  | 12,261 |  |  | 76,430 |  |  | 53,390 |  |  | — |  |  | 577,914 |
Special Mention | 857 |  |  | 1,995 |  |  | 2,866 |  |  | 282 |  |  | — |  |  | 1,332 |  |  | 636 |  |  | — |  |  | 7,968 |
Substandard(1) | 1,229 |  |  | 425 |  |  | 4,664 |  |  | 915 |  |  | 136 |  |  | 1,485 |  |  | — |  |  | — |  |  | 8,854 |
Total land and development | 87,421 |  |  | 176,155 |  |  | 91,314 |  |  | 94,176 |  |  | 12,397 |  |  | 79,247 |  |  | 54,026 |  |  | — |  |  | 594,736 |
Total commercial real estate | 1,356,036 |  |  | 2,620,960 |  |  | 2,442,605 |  |  | 1,432,392 |  |  | 696,939 |  |  | 1,651,050 |  |  | 370,452 |  |  | — |  |  | 10,570,434 |
| December 31, 2020
| Term Loans Amortized Cost Basis by Origination Year |  | Revolving Loans |  |
(in thousands) | 2020 |  | 2019 |  | 2018 |  | 2017 |  | 2016 |  | Prior |  | Amortized Cost Basis |  | Converted to Term Loans |  | Total
Consumer mortgages |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | $ | 1,865,670 |  |  | $ | 874,795 |  |  | $ | 425,721 |  |  | $ | 678,265 |  |  | $ | 685,814 |  |  | $ | 965,383 |  |  | $ | 1,040 |  |  | $ | — |  |  | $ | 5,496,688 |
Substandard(1) | 33 |  |  | 961 |  |  | 748 |  |  | 889 |  |  | 866 |  |  | 7,224 |  |  | — |  |  | — |  |  | 10,721 |
Loss(3) | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 291 |  |  | — |  |  | — |  |  | 291 |
Total consumer mortgages | 1,865,703 |  |  | 875,756 |  |  | 426,469 |  |  | 679,154 |  |  | 686,680 |  |  | 972,898 |  |  | 1,040 |  |  | — |  |  | 5,507,700 |
Home equity lines |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 1,416,272 |  |  | 90,425 |  |  | 1,506,697 |
Substandard(1) | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 9,698 |  |  | 5,996 |  |  | 15,694 |
Doubtful(2) | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 19 |  |  | 19 |
Loss(3) | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 1,283 |  |  | 143 |  |  | 1,426 |
Total home equity lines | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 1,427,253 |  |  | 96,583 |  |  | 1,523,836 |
Credit cards |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 279,142 |  |  | — |  |  | 279,142 |
Substandard(1) | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 595 |  |  | — |  |  | 595 |
Loss(4) | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 1,281 |  |  | — |  |  | 1,281 |
Total credit cards | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 281,018 |  |  | — |  |  | 281,018 |
Other consumer loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | — |
Pass | 252,158 |  |  | 190,837 |  |  | 89,193 |  |  | 100,457 |  |  | 80,364 |  |  | 61,029 |  |  | 296,745 |  |  | — |  |  | 1,070,783 |
Substandard(1) | 19 |  |  | 762 |  |  | 262 |  |  | 1,195 |  |  | 121 |  |  | 585 |  |  | 227 |  |  | — |  |  | 3,171 |
Loss | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 35 |  |  | — |  |  | — |  |  | 35 |
Total other consumer loans | 252,177 |  |  | 191,599 |  |  | 89,455 |  |  | 101,652 |  |  | 80,485 |  |  | 61,649 |  |  | 296,972 |  |  | — |  |  | 1,073,989 |
Total consumer | 2,117,880 |  |  | 1,067,355 |  |  | 515,924 |  |  | 780,806 |  |  | 767,165 |  |  | 1,034,547 |  |  | 2,006,283 |  |  | 96,583 |  |  | 8,386,543 |
Total loans(5) | $ | 8,763,771 |  |  | $ | 6,271,354 |  |  | $ | 4,987,685 |  |  | $ | 3,878,049 |  |  | $ | 2,595,487 |  |  | $ | 4,701,977 |  |  | $ | 6,984,920 |  |  | $ | 147,413 |  |  | $ | 38,330,656 |
(1) The majority of loans within Substandard risk grade are accruing loans at December 31, 2020. (2) Loans within Doubtful risk grade are on non-accrual status and generally have an ALL equal to 50% of the loan amount. (3) Loans within Loss risk grade are on non-accrual status and have an ALL equal to the full loan amount. (4) Represent amounts that were 120 days past due. These credits are downgraded to the Loss category with an ALL equal to the full loan amount and are generally charged off upon reaching 181 days past due in accordance with the FFIEC Retail Credit Classification Policy. (5) Total before net deferred fees and costs of $77.7 million, of which $48.9 million relates to PPP loans.. The following table summarizes each loan portfolio class by regulatory risk grade as of December 31, 2019.
|  | December 31, 2019 |
(in thousands) |  | Pass |  | Special Mention |  | Substandard(1) |  | Doubtful(2) |  | Loss(3) |  | Total |
Commercial, financial, and agricultural |  | $ | 9,927,059 |  |  | $ | 128,506 |  |  | $ | 182,831 |  |  | $ | 1,163 |  |  | $ | — |  |  | $ | 10,239,559 |  |
Owner-occupied |  | 6,386,055 |  |  | 58,330 |  |  | 85,426 |  |  | — |  |  | — |  |  | 6,529,811 |  |
Total commercial and industrial |  | 16,313,114 |  |  | 186,836 |  |  | 268,257 |  |  | 1,163 |  |  | — |  |  | 16,769,370 |  |
Investment properties |  | 8,930,360 |  |  | 16,490 |  |  | 57,477 |  |  | — |  |  | — |  |  | 9,004,327 |  |
1-4 family properties |  | 766,529 |  |  | 3,249 |  |  | 10,237 |  |  | — |  |  | — |  |  | 780,015 |  |
Land and development |  | 681,003 |  |  | 18,643 |  |  | 9,796 |  |  | — |  |  | — |  |  | 709,442 |  |
Total commercial real estate |  | 10,377,892 |  |  | 38,382 |  |  | 77,510 |  |  | — |  |  | — |  |  | 10,493,784 |  |
Consumer mortgages |  | 5,527,746 |  |  | — |  |  | 18,376 |  |  | 97 |  |  | 149 |  |  | 5,546,368 |  |
Home equity lines |  | 1,697,086 |  |  | — |  |  | 14,806 |  |  | 21 |  |  | 1,244 |  |  | 1,713,157 |  |
Credit cards |  | 266,146 |  |  | — |  |  | 818 |  |  | — |  |  | 1,877 |  | (4) | 268,841 |  |
Other consumer loans |  | 2,390,199 |  |  | — |  |  | 6,095 |  |  | — |  |  | — |  |  | 2,396,294 |  |
Total consumer |  | 9,881,177 |  |  | — |  |  | 40,095 |  |  | 118 |  |  | 3,270 |  |  | 9,924,660 |  |
Total loans |  | $ | 36,572,183 |  |  | $ | 225,218 |  |  | $ | 385,862 |  |  | $ | 1,281 |  |  | $ | 3,270 |  |  | $ | 37,187,814 |  | (5)
(1) The majority of loans within Substandard risk grade are accruing loans at December 31, 2019. (2) Loans within Doubtful risk grade are on non-accrual status and generally have an ALL equal to 50% of the loan amount. (3) Loan s within Los s risk grade are on non-accrual status and have an ALL equal to the full loan amount. (4) Represent amounts that were 120 days past due. These credits are downgraded to the Loss category with an ALL equal to the full loan amount and are generally charged off upon reaching 181 days past due in accordance with the FFIEC Retail Credit Classification Policy. (5) Total before net deferred fees and costs of $25.4 million.
Financing Receivable, Allowance for Credit Loss | Rollforward of Allowance for Loan Losses The following tables detail the changes in the ALL by loan segment for the years ended December 31, 2020, 2019, and 2018. On January 1, 2020, Synovus adopted ASC 326, which replaced the existing incurred loss methodology with an expected credit loss methodology (referred to as CECL). Under the incurred loss methodology, reserves for credit losses were recognized only when the losses were probable or had been incurred; under CECL, companies are required to recognize the full amount of expected credit losses for the lifetime of the financial assets, based on historical experience, current conditions and reasonable and supportable forecasts. See "Part II - Item 8. Financial Statements and Supplementary Data - Note 1 - Summary of Significant Accounting Policies" of this Report for more information on Synovus' adoption of CECL. For the year ended December 31, 2020, Synovus reversed a net amount of $18.3 million, in previously established reserves for credit losses associated with net transfers to held for sale of $1.43 billion, in performing loans primarily related to third-party single-service consumer loans and non-relationship consumer mortgages. F or the year ended December 31, 2019, Synovus had no significant transfers to loans held for sale.
|  | As Of and For The Year Ended December 31, 2020
(in thousands) |  | Commercial & Industrial |  | Commercial Real Estate |  | Consumer |  | Total
Allowance for loan losses: |  |  |  |  |  |  |  |
Beginning balance, prior to adoption of ASC 326 |  | $ | 145,782 |  |  | $ | 67,430 |  |  | $ | 68,190 |  |  | $ | 281,402 |
Impact from adoption of ASC 326 |  | (2,310) |  |  | (651) |  |  | 85,955 |  |  | 82,994 |
Beginning balance, after adoption of ASC 326 |  | $ | 143,472 |  |  | $ | 66,779 |  |  | $ | 154,145 |  |  | $ | 364,396 |
Charge-offs |  | (76,260) |  |  | (13,213) |  |  | (29,789) |  |  | (119,262) |
Recoveries |  | 13,544 |  |  | 2,857 |  |  | 8,149 |  |  | 24,550 |
Provision for loan losses |  | 148,799 |  |  | 74,319 |  |  | 112,934 |  |  | 336,052 |
Ending balance |  | $ | 229,555 |  |  | $ | 130,742 |  |  | $ | 245,439 |  |  | $ | 605,736 |
|  | As Of and For The Year Ended December 31, 2019
(in thousands) |  | Commercial & Industrial |  | Commercial Real Estate |  | Consumer |  | Total
Allowance for loan losses: |  |  |  |  |  |  |  |
Beginning balance |  | $ | 133,123 |  |  | $ | 68,796 |  |  | $ | 48,636 |  |  | $ | 250,555 |
Charge-offs |  | (49,572) |  |  | (5,540) |  |  | (24,023) |  |  | (79,135) |
Recoveries |  | 7,827 |  |  | 8,618 |  |  | 5,078 |  |  | 21,523 |
Provision for loan losses |  | 53,665 |  |  | (4,444) |  |  | 38,499 |  |  | 87,720 |
Transfer of unfunded commitment reserve |  | 739 |  |  | — |  |  | — |  |  | 739 |
Ending balance |  | $ | 145,782 |  |  | $ | 67,430 |  |  | $ | 68,190 |  |  | $ | 281,402 |
|  | As Of and For The Year Ended December 31, 2018
(in thousands) |  | Commercial & Industrial |  | Commercial Real Estate |  | Consumer |  | Total
Allowance for loan losses: |  |  |  |  |  |  |  |
Beginning balance |  | $ | 126,803 |  |  | $ | 74,998 |  |  | $ | 47,467 |  |  | $ | 249,268 |
Charge-offs |  | (48,775) |  |  | (4,408) |  |  | (20,871) |  |  | (74,054) |
Recoveries |  | 7,165 |  |  | 10,188 |  |  | 6,291 |  |  | 23,644 |
Provision for loan losses |  | 47,930 |  |  | (11,982) |  |  | 15,749 |  |  | 51,697 |
Ending balance |  | $ | 133,123 |  |  | $ | 68,796 |  |  | $ | 48,636 |  |  | $ | 250,555 |
Troubled Debt Restructurings | Information about Synovus' TDRs is presented in the following tables. Synovus began entering into loan modifications with borrowers in response to the COVID-19 pandemic, some of which have not been classified as TDRs, and therefore are not included in the discussion below. See "Part II - Item 8. Financial Statements and Supplementary Data - Note 1 - Summary of Significant Accounting Policies" of this Report for more information on Synovus' loan modifications due to COVID-19. The following tables represent, by concession type, the post-modification balance for loans modified or renewed during the years ended December 31, 2020, 2019, and 2018 that were reported as accruing or non-accruing TDRs.
TDRs by Concession Type |
| Year Ended December 31, 2020 |
(in thousands, except contract data) | Number of Contracts |  | Below Market Interest Rate |  | Other Concessions(1) |  | Total |
Commercial, financial, and agricultural | 152 |  |  | $ | 10,939 |  |  | $ | 11,912 |  |  | $ | 22,851 |  |
Owner-occupied | 22 |  |  | 4,536 |  |  | 1,530 |  |  | 6,066 |  |
Total commercial and industrial | 174 |  |  | 15,475 |  |  | 13,442 |  |  | 28,917 |  |
Investment properties | 9 |  |  | 29,679 |  |  | 1,420 |  |  | 31,099 |  |
1-4 family properties | 22 |  |  | 1,769 |  |  | 1,105 |  |  | 2,874 |  |
Land and development | 4 |  |  | 606 |  |  | — |  |  | 606 |  |
Total commercial real estate | 35 |  |  | 32,054 |  |  | 2,525 |  |  | 34,579 |  |
Consumer mortgages | 23 |  |  | 1,866 |  |  | 2,789 |  |  | 4,655 |  |
Home equity lines | 63 |  |  | 1,970 |  |  | 2,530 |  |  | 4,500 |  |
Other consumer loans | 57 |  |  | 1,185 |  |  | 2,779 |  |  | 3,964 |  |
Total consumer | 143 |  |  | 5,021 |  |  | 8,098 |  |  | 13,119 |  |
Total loans | 352 |  |  | $ | 52,550 |  |  | $ | 24,065 |  |  | $ | 76,615 |  | (2)
| Year Ended December 31, 2019 |
(in thousands, except contract data) | Number of Contracts |  | Below Market Interest Rate |  | Other Concessions(1) |  | Total |
Commercial, financial, and agricultural | 127 |  |  | $ | 9,042 |  |  | $ | 9,873 |  |  | $ | 18,915 |  |
Owner-occupied | 22 |  |  | 9,017 |  |  | 861 |  |  | 9,878 |  |
Total commercial and industrial | 149 |  |  | 18,059 |  |  | 10,734 |  |  | 28,793 |  |
Investment properties | 8 |  |  | 1,548 |  |  | — |  |  | 1,548 |  |
1-4 family properties | 18 |  |  | 2,182 |  |  | 643 |  |  | 2,825 |  |
Land and development | 8 |  |  | 1,187 |  |  | 30 |  |  | 1,217 |  |
Total commercial real estate | 34 |  |  | 4,917 |  |  | 673 |  |  | 5,590 |  |
Consumer mortgages | 18 |  |  | 1,587 |  |  | 1,361 |  |  | 2,948 |  |
Home equity lines | 70 |  |  | 3,024 |  |  | 2,522 |  |  | 5,546 |  |
Other consumer loans | 109 |  |  | 1,712 |  |  | 5,270 |  |  | 6,982 |  |
Total consumer | 197 |  |  | 6,323 |  |  | 9,153 |  |  | 15,476 |  |
Total loans | 380 |  |  | $ | 29,299 |  |  | $ | 20,560 |  |  | $ | 49,859 |  | (3)
TDRs by Concession Type (continued) |
| Year Ended December 31, 2018 |
(in thousands, except contract data) | Number of Contracts |  | Below Market Interest Rate |  | Other Concessions(1) |  | Total |
Commercial, financial, and agricultural | 46 |  |  | $ | 3,807 |  |  | $ | 3,957 |  |  | $ | 7,764 |  |
Owner-occupied | 16 |  |  | 7,589 |  |  | 5,705 |  |  | 13,294 |  |
Total commercial and industrial | 62 |  |  | 11,396 |  |  | 9,662 |  |  | 21,058 |  |
Investment properties | 10 |  |  | 8,070 |  |  | 2,215 |  |  | 10,285 |  |
1-4 family properties | 25 |  |  | 2,481 |  |  | 2,014 |  |  | 4,495 |  |
Land and development | 5 |  |  | 122 |  |  | 1,856 |  |  | 1,978 |  |
Total commercial real estate | 40 |  |  | 10,673 |  |  | 6,085 |  |  | 16,758 |  |
Consumer mortgages | 19 |  |  | 5,590 |  |  | 93 |  |  | 5,683 |  |
Home equity lines | 4 |  |  | 172 |  |  | 339 |  |  | 511 |  |
Other consumer loans | 92 |  |  | 1,834 |  |  | 3,983 |  |  | 5,817 |  |
Total consumer | 115 |  |  | 7,596 |  |  | 4,415 |  |  | 12,011 |  |
Total loans | 217 |  |  | $ | 29,665 |  |  | $ | 20,162 |  |  | $ | 49,827 |  | (4)
(1) Other concessions generally include term extensions, interest only payments for a period of time, or principal forgiveness, but there was no principal forgiveness for the years ended December 31, 2020, 2019, and 2018. (2) No charge-offs were recorded during the year ended December 31, 2020 upon restructuring of these loans. (3) No charge-offs were recorded during the year ended December 31, 2019 upon restructuring of these loans (4) Net charge-offs of $403 thousand were recorded during the year ended December 31, 2018 upon restructuring of these loans.

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