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Loans Receivable, Net | 12 Months Ended
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Dec. 31, 2021
Receivables [Abstract] |
Loans Receivable, Net | Loans Receivable, Net The following table presents loans receivable for each portfolio segment of loans:
(Dollars in thousands) | December 31, 2021 |  | December 31, 2020
Residential real estate | $ | 1,051,883 |  |  | 802,508 |
Commercial real estate | 8,630,831 |  |  | 6,315,895 |
Other commercial | 2,664,190 |  |  | 3,054,817 |
Home equity | 736,288 |  |  | 636,405 |
Other consumer | 348,839 |  |  | 313,071 |
Loans receivable | 13,432,031 |  |  | 11,122,696 |
Allowance for credit losses | (172,665) |  |  | (158,243) |
Loans receivable, net | $ | 13,259,366 |  |  | 10,964,453 |
Net deferred origination (fees) costs included in loans receivable | $ | (21,667) |  |  | (26,709) |
Net purchase accounting (discounts) premiums included in loans receivable | $ | (25,166) |  |  | (17,091) |
Accrued interest receivable on loans | $ | 49,133 |  |  | 53,538 |
Substantially all of the Company’s loans receivable are with borrowers in the Company’s geographic market areas. Although the Company has a diversified loan portfolio, a substantial portion of borrowers’ ability to service their obligations is dependent upon the economic performance in the Company’s market areas. Other than purchases through bank acquisitions, the Company had no significant purchases or sales of portfolio loans or reclassification of loans held for investment to loans held for sale during 2021 and 2020. At December 31, 2021, the Company had loans of $7,948,796,000 pledged as collateral for FHLB advances and FRB discount window. The Company is subject to regulatory limits for the amount of loans to any individual borrower and the Company is in compliance with this regulation as of December 31, 2021 and 2020. No borrower had outstanding loans or commitments exceeding 10 percent of the Company’s consolidated stockholders’ equity as of December 31, 2021. The Company has entered into transactions with its executive officers and directors and their affiliates. The aggregate amount of loans outstanding to such related parties at December 31, 2021 and 2020 was $112,127,000 and $77,634,000, respectively. During 2021, net new loans to such related parties were $56,937,000 and repayments were $22,444,000. In management’s opinion, such loans were made in the ordinary course of business and were made on substantially the same terms as those prevailing at the time for comparable transaction with other persons. Allowance for Credit Losses - Loans Receivable The ACL is a valuation account that is deducted from the amortized cost basis to present the net amount expected to be collected on loans. The following tables summarize the activity in the ACL:
| Year ended December 31, 2021
(Dollars in thousands) | Total |  | Residential Real Estate |  | Commercial Real Estate |  | Other Commercial |  | Home Equity |  | Other Consumer
Balance at beginning of period | $ | 158,243 |  |  | 9,604 |  |  | 86,999 |  |  | 49,133 |  |  | 8,182 |  |  | 4,325 |
Acquisitions | 371 |  |  | — |  |  | 309 |  |  | 62 |  |  | — |  |  | — |
Provision for credit losses | 16,380 |  |  | 6,517 |  |  | 28,996 |  |  | (23,444) |  |  | 186 |  |  | 4,125 |
Charge-offs | (11,594) |  |  | (38) |  |  | (279) |  |  | (4,826) |  |  | (45) |  |  | (6,406) |
Recoveries | 9,265 |  |  | 375 |  |  | 1,876 |  |  | 3,778 |  |  | 243 |  |  | 2,993 |
Balance at end of period | $ | 172,665 |  |  | 16,458 |  |  | 117,901 |  |  | 24,703 |  |  | 8,566 |  |  | 5,037 |
| Year ended December 31, 2020
(Dollars in thousands) | Total |  | Residential Real Estate |  | Commercial Real Estate |  | Other Commercial |  | Home Equity |  | Other Consumer
Balance at beginning of period | $ | 124,490 |  |  | 10,111 |  |  | 69,496 |  |  | 36,129 |  |  | 4,937 |  |  | 3,817 |
Impact of adopting CECL | 3,720 |  |  | 3,584 |  |  | 10,533 |  |  | (13,759) |  |  | 3,400 |  |  | (38) |
Acquisitions | 49 |  |  | — |  |  | 49 |  |  | — |  |  | — |  |  | — |
Provision for credit losses | 37,637 |  |  | (4,131) |  |  | 9,324 |  |  | 29,812 |  |  | (27) |  |  | 2,659 |
Charge-offs | (13,808) |  |  | (21) |  |  | (3,497) |  |  | (4,860) |  |  | (384) |  |  | (5,046) |
Recoveries | 6,155 |  |  | 61 |  |  | 1,094 |  |  | 1,811 |  |  | 256 |  |  | 2,933 |
Balance at end of period | $ | 158,243 |  |  | 9,604 |  |  | 86,999 |  |  | 49,133 |  |  | 8,182 |  |  | 4,325 |
| Year ended December 31, 2019
(Dollars in thousands) | Total |  | Residential Real Estate |  | Commercial Real Estate |  | Other Commercial |  | Home Equity |  | Other Consumer
Balance at beginning of period | $ | 131,239 |  |  | 10,631 |  |  | 72,448 |  |  | 38,160 |  |  | 5,811 |  |  | 4,189 |
Provision for credit losses | 57 |  |  | (163) |  |  | (2,704) |  |  | (23) |  |  | (863) |  |  | 3,810 |
Charge-offs | (15,178) |  |  | (608) |  |  | (2,460) |  |  | (4,189) |  |  | (90) |  |  | (7,831) |
Recoveries | 8,372 |  |  | 251 |  |  | 2,212 |  |  | 2,181 |  |  | 79 |  |  | 3,649 |
Balance at end of period | $ | 124,490 |  |  | 10,111 |  |  | 69,496 |  |  | 36,129 |  |  | 4,937 |  |  | 3,817 |
As a result of the adoption of the current expected credit loss (“CECL”) accounting standard, the Company adjusted the January 1, 2020 ACL balances within each loan segment to reflect the changes from the incurred loss model to the current expected credit loss model which resulted in increases and decreases in each loan segment based on, among other factors, quantitative and qualitative assumptions and the economic forecast to estimate the provision for credit losses over the expected life of the loans. During the year ended December 31, 2021, the ACL increased primarily as a result of the $18,056,000 provision for credit losses recorded as a result of the Alta acquisition. During the year ended December 31, 2020, primarily as a result of the COVID-19 pandemic, there was a significant increase in the overall ACL and increases and decreases within certain loan segments. In addition, during 2020 the acquisition of SBAZ resulted in a $4,794,000 increase in the ACL due to the provision for credit losses recorded subsequent to the acquisition date. The COVID-19 pandemic significantly adjusted the economic forecast used in the ACL model including a significant increase in national and regional unemployment rates and a significant decrease in the gross domestic product (“GDP”). The sizeable charge-offs in the other consumer loan segment is driven by deposit overdraft charge-offs which typically experience high charge-off rates and the amounts were comparable to historical trends. The other segments experience routine charge-offs and recoveries, with occasional large credit relationships charge-offs and recoveries that cause fluctuations from prior periods. During the year ended December 31, 2021, there have been no significant changes to the types of collateral securing collateral-dependent loans. During the year ended December 31, 2021, the Company acquired loans through the Alta acquisition. Such loans were evaluated at acquisition date and it was determined there were PCD loans totaling $58,576,000 with an ACL of $371,000. There was also a premium associated with such loans of $840,000, which was attributable to changes in interest rates and other factors such as liquidity as of acquisition date. During the year ended December 31, 2020, the Company acquired loans through the SBAZ acquisition. Such loans were evaluated at acquisition date and it was determined there were PCD loans totaling $3,401,000 with an ACL of $49,000. There was also a discount associated with such loans of $13,000, which was attributable to changes in interest rates and other factors such as liquidity as of acquisition date. Aging Analysis The following tables present an aging analysis of the recorded investment in loans:
| December 31, 2021
(Dollars in thousands) | Total |  | Residential Real Estate |  | Commercial Real Estate |  | Other Commercial |  | Home Equity |  | Other Consumer
Accruing loans 30-59 days past due | $ | 38,081 |  |  | 2,132 |  |  | 26,063 |  |  | 5,464 |  |  | 1,582 |  |  | 2,840 |
Accruing loans 60-89 days past due | 12,485 |  |  | 457 |  |  | 9,537 |  |  | 1,652 |  |  | 512 |  |  | 327 |
Accruing loans 90 days or more past due | 17,141 |  |  | 223 |  |  | 15,345 |  |  | 1,383 |  |  | 57 |  |  | 133 |
Non-accrual loans with no ACL | 28,961 |  |  | 2,162 |  |  | 20,040 |  |  | 4,563 |  |  | 1,712 |  |  | 484 |
Non-accrual loans with ACL | 21,571 |  |  | 255 |  |  | 448 |  |  | 20,765 |  |  | 99 |  |  | 4 |
Total past due and non-accrual loans | 118,239 |  |  | 5,229 |  |  | 71,433 |  |  | 33,827 |  |  | 3,962 |  |  | 3,788 |
Current loans receivable | 13,313,792 |  |  | 1,046,654 |  |  | 8,559,398 |  |  | 2,630,363 |  |  | 732,326 |  |  | 345,051 |
Total loans receivable | $ | 13,432,031 |  |  | 1,051,883 |  |  | 8,630,831 |  |  | 2,664,190 |  |  | 736,288 |  |  | 348,839 |
| December 31, 2020
(Dollars in thousands) | Total |  | Residential Real Estate |  | Commercial Real Estate |  | Other Commercial |  | Home Equity |  | Other Consumer
Accruing loans 30-59 days past due | $ | 17,123 |  |  | 6,058 |  |  | 3,854 |  |  | 4,039 |  |  | 2,130 |  |  | 1,042 |
Accruing loans 60-89 days past due | 5,598 |  |  | 584 |  |  | 2,299 |  |  | 809 |  |  | 756 |  |  | 1,150 |
Accruing loans 90 days or more past due | 1,725 |  |  | 934 |  |  | 231 |  |  | 293 |  |  | 135 |  |  | 132 |
Non-accrual loans with no ACL | 29,532 |  |  | 3,129 |  |  | 14,030 |  |  | 9,231 |  |  | 2,664 |  |  | 478 |
Non-accrual loans with ACL | 2,432 |  |  | 274 |  |  | 1,787 |  |  | 278 |  |  | 49 |  |  | 44 |
Total past due and non-accrual loans | 56,410 |  |  | 10,979 |  |  | 22,201 |  |  | 14,650 |  |  | 5,734 |  |  | 2,846 |
Current loans receivable | 11,066,286 |  |  | 791,529 |  |  | 6,293,694 |  |  | 3,040,167 |  |  | 630,671 |  |  | 310,225 |
Total loans receivable | $ | 11,122,696 |  |  | 802,508 |  |  | 6,315,895 |  |  | 3,054,817 |  |  | 636,405 |  |  | 313,071 |
The Company had $660,000 and $832,000 of interest reversed on non-accrual loans during the year ended December 31, 2021 and December 31, 2020, respectively. Collateral-Dependent Loans A loan is considered collateral-dependent when the borrower is experiencing financial difficulty and repayment is expected to be provided substantially through the operation or sale of the collateral. The collateral on the loans is a significant portion of what secures the collateral-dependent loans and significant changes to the fair value of the collateral can impact the ACL. During 2021, there were no significant changes to collateral which secures the collateral-dependent loans, whether due to general deterioration or other reasons. The following table presents the amortized cost basis of collateral-dependent loans by collateral type:
| December 31, 2021
(Dollars in thousands) | Total |  | Residential Real Estate |  | Commercial Real Estate |  | Other Commercial |  | Home Equity |  | Other Consumer
Business assets | $ | 25,182 |  |  | — |  |  | 57 |  |  | 25,125 |  |  | — |  |  | — |
Residential real estate | 4,625 |  |  | 2,369 |  |  | 280 |  |  | 115 |  |  | 1,694 |  |  | 167 |
Other real estate | 32,093 |  |  | 48 |  |  | 30,996 |  |  | 597 |  |  | 116 |  |  | 336 |
Other | 1,525 |  |  | — |  |  | — |  |  | 1,241 |  |  | — |  |  | 284 |
Total | $ | 63,425 |  |  | 2,417 |  |  | 31,333 |  |  | 27,078 |  |  | 1,810 |  |  | 787 |
| December 31, 2020
(Dollars in thousands) | Total |  | Residential Real Estate |  | Commercial Real Estate |  | Other Commercial |  | Home Equity |  | Other Consumer
Business assets | $ | 4,325 |  |  | — |  |  | 37 |  |  | 4,288 |  |  | — |  |  | — |
Residential real estate | 7,148 |  |  | 3,338 |  |  | 1,043 |  |  | 198 |  |  | 2,513 |  |  | 56 |
Other real estate | 16,127 |  |  | 64 |  |  | 14,738 |  |  | 1,086 |  |  | 200 |  |  | 39 |
Other | 36,855 |  |  | — |  |  | — |  |  | 36,469 |  |  | — |  |  | 386 |
Total | $ | 64,455 |  |  | 3,402 |  |  | 15,818 |  |  | 42,041 |  |  | 2,713 |  |  | 481 |
Restructured Loans A restructured loan is considered a TDR if the creditor, for economic or legal reasons related to the debtor’s financial difficulties, grants a concession to the debtor that it would not otherwise consider. There were no TDRs that occurred during the year ended December 31, 2021 that subsequently defaulted. The following tables present TDRs that occurred during the periods presented and the TDRs that occurred within the previous twelve months that subsequently defaulted during the periods presented:
| Year ended December 31, 2021
(Dollars in thousands) | Total |  | Residential Real Estate |  | Commercial Real Estate |  | Other Commercial |  | Home Equity |  | Other Consumer
TDRs that occurred during the period |  |  |  |  |  |  |  |  |  |  |
Number of loans | 12 |  |  | 1 |  |  | 5 |  |  | 3 |  |  | 1 |  |  | 2 |
Pre-modification recorded balance | $ | 2,442 |  |  | 210 |  |  | 1,473 |  |  | 554 |  |  | 54 |  |  | 151 |
Post-modification recorded balance | $ | 2,442 |  |  | 210 |  |  | 1,473 |  |  | 554 |  |  | 54 |  |  | 151 |
| Year ended December 31, 2020
(Dollars in thousands) | Total |  | Residential Real Estate |  | Commercial Real Estate |  | Other Commercial |  | Home Equity |  | Other Consumer
TDRs that occurred during the period |  |  |  |  |  |  |  |  |  |  |
Number of loans | 16 |  |  | 1 |  |  | 10 |  |  | 4 |  |  | 1 |  |  | — |
Pre-modification recorded balance | $ | 14,945 |  |  | 210 |  |  | 13,392 |  |  | 1,304 |  |  | 39 |  |  | — |
Post-modification recorded balance | $ | 14,945 |  |  | 210 |  |  | 13,392 |  |  | 1,304 |  |  | 39 |  |  | — |
TDRs that subsequently defaulted |  |  |  |  |  |  |  |  |  |  |
Number of loans | 1 |  |  | — |  |  | 1 |  |  | — |  |  | — |  |  | — |
Recorded balance | $ | 145 |  |  | — |  |  | 145 |  |  | — |  |  | — |  |  | — |
| Year ended December 31, 2019
(Dollars in thousands) | Total |  | Residential Real Estate |  | Commercial Real Estate |  | Other Commercial |  | Home Equity |  | Other Consumer
TDRs that occurred during the period |  |  |  |  |  |  |  |  |  |  |
Number of loans | 18 |  |  | 1 |  |  | 6 |  |  | 6 |  |  | 2 |  |  | 3 |
Pre-modification recorded balance | $ | 18,508 |  |  | 117 |  |  | 8,524 |  |  | 9,382 |  |  | 214 |  |  | 271 |
Post-modification recorded balance | $ | 18,476 |  |  | 123 |  |  | 8,524 |  |  | 9,364 |  |  | 214 |  |  | 251 |
TDRs that subsequently defaulted |  |  |  |  |  |  |  |  |  |  |
Number of loans | 1 |  |  | — |  |  | 1 |  |  | — |  |  | — |  |  | — |
Recorded balance | $ | 106 |  |  | — |  |  | 106 |  |  | — |  |  | — |  |  | — |
The modifications for the loans designated as TDRs during the years ended December 31, 2021, 2020 and 2019 included one or a combination of the following: an extension of the maturity date, a reduction of the interest rate or a reduction in the principal amount. In addition to the loans designated as TDRs during the period provided in the preceding tables, the Company had TDRs with pre-modification loan balances of $1,628,000, $2,278,000 and $2,992,000 for the years ended December 31, 2021, 2020 and 2019, respectively, for which OREO was received in full or partial satisfaction of the loans. The majority of such TDRs were in other commercial for the year ended December 31, 2021, commercial real estate for the year ended December 31, 2020, and residential real estate for the year ended December 31, 2019. At December 31, 2021 and 2020, the Company had $102,000 and $548,000, respectively, of consumer mortgage loans secured by residential real estate properties for which formal foreclosure proceedings are in process. At December 31, 2021 and 2020, the Company had $0 and $273,000, respectively, of OREO secured by residential real estate properties. There were $1,054,000 and $817,000 of additional unfunded commitments on TDRs outstanding at December 31, 2021 and 2020, respectively. The amount of charge-offs on TDRs during 2021, 2020 and 2019 was $0, $453,000 and $709,000, respectively. Credit Quality Indicators The Company categorizes commercial real estate and other commercial loans into risk categories based on relevant information about the ability of borrowers to service their obligations. The following tables present the amortized cost in commercial real estate and other commercial loans based on the Company’s internal risk rating. The date of a modification, renewal or extension of a loan is considered for the year of origination if the terms of the loan are as favorable to the Company as the terms are for a comparable loan to other borrowers with similar credit risk.
| December 31, 2021
(Dollars in thousands) | Total |  | Pass |  | Special Mention |  | Substandard |  | Doubtful/ Loss
Commercial real estate loans |  |  |  |  |  |  |  |  |
Term loans by origination year |  |  |  |  |  |  |  |  |
2021 | $ | 2,679,564 |  |  | 2,677,540 |  |  | — |  |  | 2,024 |  |  | — |
2020 | 1,512,845 |  |  | 1,499,895 |  |  | — |  |  | 12,950 |  |  | — |
2019 | 952,039 |  |  | 919,091 |  |  | — |  |  | 32,948 |  |  | — |
2018 | 808,275 |  |  | 788,292 |  |  | — |  |  | 19,983 |  |  | — |
2017 | 665,733 |  |  | 624,018 |  |  | — |  |  | 41,715 |  |  | — |
Prior | 1,677,875 |  |  | 1,621,819 |  |  | — |  |  | 56,030 |  |  | 26 |
Revolving loans | 334,500 |  |  | 332,696 |  |  | — |  |  | 1,803 |  |  | 1 |
Total | $ | 8,630,831 |  |  | 8,463,351 |  |  | — |  |  | 167,453 |  |  | 27 |
Other commercial loans 1 |  |  |  |  |  |  |  |  |
Term loans by origination year |  |  |  |  |  |  |  |  |
2021 | $ | 751,151 |  |  | 746,709 |  |  | — |  |  | 4,442 |  |  | — |
2020 | 429,500 |  |  | 420,547 |  |  | — |  |  | 8,952 |  |  | 1 |
2019 | 235,591 |  |  | 226,614 |  |  | — |  |  | 8,974 |  |  | 3 |
2018 | 188,009 |  |  | 179,679 |  |  | — |  |  | 8,329 |  |  | 1 |
2017 | 209,287 |  |  | 207,509 |  |  | — |  |  | 1,775 |  |  | 3 |
Prior | 312,852 |  |  | 297,926 |  |  | — |  |  | 14,275 |  |  | 651 |
Revolving loans | 537,800 |  |  | 507,258 |  |  | — |  |  | 30,526 |  |  | 16 |
Total | $ | 2,664,190 |  |  | 2,586,242 |  |  | — |  |  | 77,273 |  |  | 675 |
______________________________ 1 Includes PPP loans.
| December 31, 2020
(Dollars in thousands) | Total |  | Pass |  | Special Mention |  | Substandard |  | Doubtful/ Loss
Commercial real estate loans |  |  |  |  |  |  |  |  |
Term loans by origination year |  |  |  |  |  |  |  |  |
2020 | $ | 1,496,094 |  |  | 1,490,947 |  |  | — |  |  | 5,147 |  |  | — |
2019 | 1,077,461 |  |  | 1,069,503 |  |  | — |  |  | 7,958 |  |  | — |
2018 | 914,506 |  |  | 874,673 |  |  | — |  |  | 39,833 |  |  | — |
2017 | 723,448 |  |  | 696,371 |  |  | — |  |  | 27,077 |  |  | — |
2016 | 496,275 |  |  | 481,392 |  |  | — |  |  | 14,883 |  |  | — |
Prior | 1,488,281 |  |  | 1,450,596 |  |  | — |  |  | 37,574 |  |  | 111 |
Revolving loans | 119,830 |  |  | 116,548 |  |  | — |  |  | 3,282 |  |  | — |
Total | $ | 6,315,895 |  |  | 6,180,030 |  |  | — |  |  | 135,754 |  |  | 111 |
Other commercial loans 1 |  |  |  |  |  |  |  |  |
Term loans by origination year |  |  |  |  |  |  |  |  |
2020 | $ | 1,366,664 |  |  | 1,341,316 |  |  | 19,564 |  |  | 5,784 |  |  | — |
2019 | 304,430 |  |  | 284,981 |  |  | 12,582 |  |  | 6,864 |  |  | 3 |
2018 | 241,222 |  |  | 234,988 |  |  | — |  |  | 6,233 |  |  | 1 |
2017 | 269,857 |  |  | 264,651 |  |  | — |  |  | 5,114 |  |  | 92 |
2016 | 179,225 |  |  | 177,164 |  |  | — |  |  | 2,056 |  |  | 5 |
Prior | 218,306 |  |  | 206,431 |  |  | — |  |  | 11,329 |  |  | 546 |
Revolving loans | 475,113 |  |  | 467,929 |  |  | 54 |  |  | 7,112 |  |  | 18 |
Total | $ | 3,054,817 |  |  | 2,977,460 |  |  | 32,200 |  |  | 44,492 |  |  | 665 |
______________________________ 1 Includes PPP loans. For residential real estate, home equity and other consumer loan segments, the Company evaluates credit quality primarily on the aging status of the loan. The following tables present the amortized cost in residential real estate, home equity and other consumer loans based on payment performance:
| December 31, 2021
(Dollars in thousands) | Total |  | Performing |  | 30-89 Days Past Due |  | Non-Accrual and 90 Days or More Past Due
Residential real estate loans |  |  |  |  |  |  |
Term loans by origination year |  |  |  |  |  |  |
2021 | $ | 427,814 |  |  | 427,318 |  |  | 496 |  |  | — |
2020 | 179,395 |  |  | 178,016 |  |  | 1,232 |  |  | 147 |
2019 | 66,543 |  |  | 66,470 |  |  | — |  |  | 73 |
2018 | 51,095 |  |  | 50,816 |  |  | — |  |  | 279 |
2017 | 42,181 |  |  | 42,005 |  |  | — |  |  | 176 |
Prior | 146,299 |  |  | 143,473 |  |  | 861 |  |  | 1,965 |
Revolving loans | 138,556 |  |  | 138,556 |  |  | — |  |  | — |
Total | $ | 1,051,883 |  |  | 1,046,654 |  |  | 2,589 |  |  | 2,640 |
Home equity loans |  |  |  |  |  |  |
Term loans by origination year |  |  |  |  |  |  |
2021 | $ | 871 |  |  | 871 |  |  | — |  |  | — |
2020 | 303 |  |  | 303 |  |  | — |  |  | — |
2019 | 1,293 |  |  | 1,260 |  |  | — |  |  | 33 |
2018 | 1,329 |  |  | 1,328 |  |  | — |  |  | 1 |
2017 | 886 |  |  | 886 |  |  | — |  |  | — |
Prior | 11,494 |  |  | 10,589 |  |  | 576 |  |  | 329 |
Revolving loans | 720,112 |  |  | 717,089 |  |  | 1,518 |  |  | 1,505 |
Total | $ | 736,288 |  |  | 732,326 |  |  | 2,094 |  |  | 1,868 |
Other consumer loans |  |  |  |  |  |  |
Term loans by origination year |  |  |  |  |  |  |
2021 | $ | 151,407 |  |  | 150,910 |  |  | 469 |  |  | 28 |
2020 | 80,531 |  |  | 80,072 |  |  | 443 |  |  | 16 |
2019 | 37,036 |  |  | 36,647 |  |  | 187 |  |  | 202 |
2018 | 19,563 |  |  | 19,268 |  |  | 144 |  |  | 151 |
2017 | 8,591 |  |  | 8,506 |  |  | 78 |  |  | 7 |
Prior | 17,763 |  |  | 15,968 |  |  | 1,589 |  |  | 206 |
Revolving loans | 33,948 |  |  | 33,680 |  |  | 257 |  |  | 11 |
Total | $ | 348,839 |  |  | 345,051 |  |  | 3,167 |  |  | 621 |
| December 31, 2020
(Dollars in thousands) | Total |  | Performing |  | 30-89 Days Past Due |  | Non-Accrual and 90 Days or More Past Due
Residential real estate loans |  |  |  |  |  |  |
Term loans by origination year |  |  |  |  |  |  |
2020 | $ | 208,679 |  |  | 207,432 |  |  | 1,247 |  |  | — |
2019 | 181,924 |  |  | 179,915 |  |  | 2,009 |  |  | — |
2018 | 100,273 |  |  | 99,135 |  |  | 556 |  |  | 582 |
2017 | 76,394 |  |  | 75,527 |  |  | 867 |  |  | — |
2016 | 53,819 |  |  | 52,905 |  |  | 87 |  |  | 827 |
Prior | 179,085 |  |  | 174,281 |  |  | 1,876 |  |  | 2,928 |
Revolving loans | 2,334 |  |  | 2,334 |  |  | — |  |  | — |
Total | $ | 802,508 |  |  | 791,529 |  |  | 6,642 |  |  | 4,337 |
Home equity loans |  |  |  |  |  |  |
Term loans by origination year |  |  |  |  |  |  |
2020 | $ | 89 |  |  | 89 |  |  | — |  |  | — |
2019 | 807 |  |  | 771 |  |  | — |  |  | 36 |
2018 | 1,782 |  |  | 1,782 |  |  | — |  |  | — |
2017 | 1,452 |  |  | 1,426 |  |  | 26 |  |  | — |
2016 | 1,016 |  |  | 1,016 |  |  | — |  |  | — |
Prior | 14,025 |  |  | 13,042 |  |  | 463 |  |  | 520 |
Revolving loans | 617,234 |  |  | 612,545 |  |  | 2,397 |  |  | 2,292 |
Total | $ | 636,405 |  |  | 630,671 |  |  | 2,886 |  |  | 2,848 |
Other consumer loans |  |  |  |  |  |  |
Term loans by origination year |  |  |  |  |  |  |
2020 | $ | 131,302 |  |  | 131,098 |  |  | 158 |  |  | 46 |
2019 | 66,327 |  |  | 65,921 |  |  | 170 |  |  | 236 |
2018 | 42,827 |  |  | 42,557 |  |  | 212 |  |  | 58 |
2017 | 16,287 |  |  | 16,202 |  |  | 38 |  |  | 47 |
2016 | 10,519 |  |  | 10,409 |  |  | 48 |  |  | 62 |
Prior | 18,692 |  |  | 17,334 |  |  | 1,155 |  |  | 203 |
Revolving loans | 27,117 |  |  | 26,704 |  |  | 411 |  |  | 2 |
Total | $ | 313,071 |  |  | 310,225 |  |  | 2,192 |  |  | 654 |

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- References No definition available. + Details
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