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LOANS AND ALLOWANCE FOR LOAN LOSSES (Tables) | 3 Months Ended
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Mar. 31, 2019
Accounts, Notes, Loans and Financing Receivable [Line Items] |
Loans Stated at Face Amount, Net of Unearned Income | Loans are stated at their face amount, net of deferred fees and costs, and consist of the following at March 31, 2019 and December 31, 2018 (dollars in thousands):
| March 31, 2019 |  | December 31, 2018
Construction and Land Development | $ | 1,326,679 |  |  | $ | 1,194,821 |
Commercial Real Estate - Owner Occupied | 1,921,464 |  |  | 1,337,345 |
Commercial Real Estate - Non-Owner Occupied | 2,970,453 |  |  | 2,467,410 |
Multifamily Real Estate | 591,431 |  |  | 548,231 |
Commercial & Industrial | 1,866,625 |  |  | 1,317,135 |
Residential 1-4 Family - Commercial | 815,309 |  |  | 713,750 |
Residential 1-4 Family - Mortgage | 865,502 |  |  | 600,578 |
Auto | 300,631 |  |  | 301,943 |
HELOC | 672,087 |  |  | 613,383 |
Consumer | 397,491 |  |  | 379,694 |
Other Commercial | 224,638 |  |  | 241,917 |
Total loans held for investment, net (1) | $ | 11,952,310 |  |  | $ | 9,716,207 |
(1) Loans, as presented, are net of deferred fees and costs totaling $5.8 million and $5.1 million as of March 31, 2019 and December 31, 2018, respectively.
Summary of Aging of the Loan Portfolio by Class | The following table shows the aging of the Company’s loan portfolio, by segment, at March 31, 2019 (dollars in thousands):
| 30-59 Days Past Due |  | 60-89 Days Past Due |  | Greater than 90 Days and still Accruing |  | PCI |  | Nonaccrual |  | Current |  | Total Loans
Construction and Land Development | $ | 1,019 |  |  | $ | 526 |  |  | $ | 1,997 |  |  | $ | 12,600 |  |  | $ | 5,513 |  |  | $ | 1,305,024 |  |  | $ | 1,326,679 |
Commercial Real Estate - Owner Occupied | 4,052 |  |  | 480 |  |  | 2,908 |  |  | 26,836 |  |  | 3,307 |  |  | 1,883,881 |  |  | 1,921,464 |
Commercial Real Estate - Non-Owner Occupied | 760 |  |  | 4,129 |  |  | — |  |  | 18,850 |  |  | 1,787 |  |  | 2,944,927 |  |  | 2,970,453 |
Multifamily Real Estate | 596 |  |  | — |  |  | — |  |  | 90 |  |  | — |  |  | 590,745 |  |  | 591,431 |
Commercial & Industrial | 2,565 |  |  | 438 |  |  | 313 |  |  | 4,159 |  |  | 721 |  |  | 1,858,429 |  |  | 1,866,625 |
Residential 1-4 Family - Commercial | 4,059 |  |  | 1,365 |  |  | 1,490 |  |  | 13,693 |  |  | 4,244 |  |  | 790,458 |  |  | 815,309 |
Residential 1-4 Family - Mortgage | 5,889 |  |  | 2,196 |  |  | 2,476 |  |  | 17,180 |  |  | 7,119 |  |  | 830,642 |  |  | 865,502 |
Auto | 2,152 |  |  | 297 |  |  | 153 |  |  | 7 |  |  | 523 |  |  | 297,499 |  |  | 300,631 |
HELOC | 5,020 |  |  | 1,753 |  |  | 518 |  |  | 5,138 |  |  | 1,395 |  |  | 658,263 |  |  | 672,087 |
Consumer | 1,963 |  |  | 1,135 |  |  | 1,098 |  |  | 693 |  |  | 124 |  |  | 392,478 |  |  | 397,491 |
Other Commercial | — |  |  | 62 |  |  | — |  |  | 686 |  |  | 108 |  |  | 223,782 |  |  | 224,638 |
Total loans held for investment | $ | 28,075 |  |  | $ | 12,381 |  |  | $ | 10,953 |  |  | $ | 99,932 |  |  | $ | 24,841 |  |  | $ | 11,776,128 |  |  | $ | 11,952,310 |
The following table shows the aging of the Company’s loan portfolio, by segment, at December 31, 2018 (dollars in thousands):
| 30-59 Days Past Due |  | 60-89 Days Past Due |  | Greater than 90 Days and still Accruing |  | PCI |  | Nonaccrual |  | Current |  | Total Loans
Construction and Land Development | $ | 759 |  |  | $ | 6 |  |  | $ | 180 |  |  | $ | 8,654 |  |  | $ | 8,018 |  |  | $ | 1,177,204 |  |  | $ | 1,194,821 |
Commercial Real Estate - Owner Occupied | 8,755 |  |  | 1,142 |  |  | 3,193 |  |  | 25,644 |  |  | 3,636 |  |  | 1,294,975 |  |  | 1,337,345 |
Commercial Real Estate - Non-Owner Occupied | 338 |  |  | 41 |  |  | — |  |  | 17,335 |  |  | 1,789 |  |  | 2,447,907 |  |  | 2,467,410 |
Multifamily Real Estate | — |  |  | 146 |  |  | — |  |  | 88 |  |  | — |  |  | 547,997 |  |  | 548,231 |
Commercial & Industrial | 3,353 |  |  | 389 |  |  | 132 |  |  | 2,156 |  |  | 1,524 |  |  | 1,309,581 |  |  | 1,317,135 |
Residential 1-4 Family - Commercial | 6,619 |  |  | 1,577 |  |  | 1,409 |  |  | 13,707 |  |  | 2,481 |  |  | 687,957 |  |  | 713,750 |
Residential 1-4 Family - Mortgage | 12,049 |  |  | 5,143 |  |  | 2,437 |  |  | 16,766 |  |  | 7,276 |  |  | 556,907 |  |  | 600,578 |
Auto | 3,320 |  |  | 403 |  |  | 195 |  |  | 7 |  |  | 576 |  |  | 297,442 |  |  | 301,943 |
HELOC | 4,611 |  |  | 1,644 |  |  | 440 |  |  | 5,115 |  |  | 1,518 |  |  | 600,055 |  |  | 613,383 |
Consumer | 1,504 |  |  | 1,096 |  |  | 870 |  |  | 32 |  |  | 135 |  |  | 376,057 |  |  | 379,694 |
Other Commercial | 126 |  |  | — |  |  | — |  |  | 717 |  |  | — |  |  | 241,074 |  |  | 241,917 |
Total loans held for investment | $ | 41,434 |  |  | $ | 11,587 |  |  | $ | 8,856 |  |  | $ | 90,221 |  |  | $ | 26,953 |  |  | $ | 9,537,156 |  |  | $ | 9,716,207 |
Impaired Loans by Class | The Company measures the amount of impairment by evaluating loans either in their collective homogeneous pools or individually. The following table shows the Company’s impaired loans, excluding PCI loans, by segment at March 31, 2019 and December 31, 2018 (dollars in thousands):
| March 31, 2019 |  | December 31, 2018
| Recorded Investment |  | Unpaid Principal Balance |  | Related Allowance |  | Recorded Investment |  | Unpaid Principal Balance |  | Related Allowance
Loans without a specific allowance |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Construction and Land Development | $ | 4,954 |  |  | $ | 5,858 |  |  | $ | — |  |  | $ | 10,290 |  |  | $ | 12,038 |  |  | $ | — |
Commercial Real Estate - Owner Occupied | 7,315 |  |  | 7,750 |  |  | — |  |  | 8,386 |  |  | 9,067 |  |  | — |
Commercial Real Estate - Non-Owner Occupied | 4,717 |  |  | 4,791 |  |  | — |  |  | 6,578 |  |  | 6,929 |  |  | — |
Commercial & Industrial | 1,028 |  |  | 1,045 |  |  | — |  |  | 3,059 |  |  | 3,251 |  |  | — |
Residential 1-4 Family - Commercial | 4,686 |  |  | 4,773 |  |  | — |  |  | 4,516 |  |  | 4,576 |  |  | — |
Residential 1-4 Family - Mortgage | 8,338 |  |  | 8,975 |  |  | — |  |  | 8,504 |  |  | 9,180 |  |  | — |
HELOC | 2,247 |  |  | 2,262 |  |  | — |  |  | 1,150 |  |  | 1,269 |  |  | — |
Consumer | 31 |  |  | 102 |  |  | — |  |  | 30 |  |  | 102 |  |  | — |
Other Commercial | — |  |  | — |  |  | — |  |  | 478 |  |  | 478 |  |  | — |
Total impaired loans without a specific allowance | $ | 33,316 |  |  | $ | 35,556 |  |  | $ | — |  |  | $ | 42,991 |  |  | $ | 46,890 |  |  | $ | — |
Loans with a specific allowance |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Construction and Land Development | $ | 3,756 |  |  | $ | 5,034 |  |  | $ | 89 |  |  | $ | 372 |  |  | $ | 491 |  |  | $ | 63 |
Commercial Real Estate - Owner Occupied | 4,182 |  |  | 4,293 |  |  | 256 |  |  | 4,304 |  |  | 4,437 |  |  | 359 |
Commercial Real Estate - Non-Owner Occupied | 2,234 |  |  | 2,511 |  |  | 4 |  |  | 391 |  |  | 391 |  |  | 1 |
Commercial & Industrial | 1,040 |  |  | 1,452 |  |  | 208 |  |  | 1,183 |  |  | 1,442 |  |  | 752 |
Residential 1-4 Family - Commercial | 5,194 |  |  | 5,275 |  |  | 397 |  |  | 3,180 |  |  | 3,249 |  |  | 185 |
Residential 1-4 Family - Mortgage | 6,261 |  |  | 6,522 |  |  | 539 |  |  | 5,329 |  |  | 5,548 |  |  | 374 |
Auto | 523 |  |  | 787 |  |  | 208 |  |  | 576 |  |  | 830 |  |  | 231 |
HELOC | 1,191 |  |  | 1,290 |  |  | 348 |  |  | 724 |  |  | 807 |  |  | 188 |
Consumer | 179 |  |  | 340 |  |  | 57 |  |  | 178 |  |  | 467 |  |  | 64 |
Other Commercial | 583 |  |  | 583 |  |  | 31 |  |  | — |  |  | — |  |  | — |
Total impaired loans with a specific allowance | $ | 25,143 |  |  | $ | 28,087 |  |  | $ | 2,137 |  |  | $ | 16,237 |  |  | $ | 17,662 |  |  | $ | 2,217 |
Total impaired loans | $ | 58,459 |  |  | $ | 63,643 |  |  | $ | 2,137 |  |  | $ | 59,228 |  |  | $ | 64,552 |  |  | $ | 2,217 |
The following table shows the average recorded investment and interest income recognized for the Company’s impaired loans, excluding PCI loans, by segment for the three months ended March 31, 2019 and 2018 (dollars in thousands):
| Three Months Ended March 31, 2019 |  | Three Months Ended March 31, 2018
| Average Investment |  | Interest Income Recognized |  | Average Investment |  | Interest Income Recognized
Construction and Land Development | $ | 9,425 |  |  | $ | 39 |  |  | $ | 12,326 |  |  | $ | 74 |
Commercial Real Estate - Owner Occupied | 11,554 |  |  | 105 |  |  | 17,112 |  |  | 160 |
Commercial Real Estate - Non-Owner Occupied | 6,956 |  |  | 59 |  |  | 7,904 |  |  | 61 |
Commercial & Industrial | 2,224 |  |  | 14 |  |  | 4,933 |  |  | 45 |
Residential 1-4 Family - Commercial | 9,939 |  |  | 69 |  |  | 6,618 |  |  | 56 |
Residential 1-4 Family - Mortgage | 14,793 |  |  | 77 |  |  | 16,529 |  |  | 77 |
Auto | 600 |  |  | — |  |  | 836 |  |  | 5 |
HELOC | 3,472 |  |  | 40 |  |  | 4,784 |  |  | 32 |
Consumer | 215 |  |  | 2 |  |  | 272 |  |  | — |
Other Commercial | 588 |  |  | 8 |  |  | 492 |  |  | 7 |
Total impaired loans | $ | 59,766 |  |  | $ | 413 |  |  | $ | 71,806 |  |  | $ | 517 |
Summary of Modified Loans that Continue to Accrue Interest Under the Terms of Restructuring Agreement | The following table provides a summary, by segment, of TDRs that continue to accrue interest under the terms of the applicable restructuring agreement, which are considered to be performing, and TDRs that have been placed on nonaccrual status, which are considered to be nonperforming, as of March 31, 2019 and December 31, 2018 (dollars in thousands):
| March 31, 2019 |  | December 31, 2018
| No. of Loans |  | Recorded Investment |  | Outstanding Commitment |  | No. of Loans |  | Recorded Investment |  | Outstanding Commitment
Performing |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Construction and Land Development | 5 |  |  | $ | 2,464 |  |  | $ | — |  |  | 5 |  |  | $ | 2,496 |  |  | $ | — |
Commercial Real Estate - Owner Occupied | 8 |  |  | 2,772 |  |  | — |  |  | 8 |  |  | 2,783 |  |  | — |
Commercial Real Estate - Non-Owner Occupied | 4 |  |  | 4,429 |  |  | — |  |  | 4 |  |  | 4,438 |  |  | — |
Commercial & Industrial | 4 |  |  | 1,199 |  |  | — |  |  | 4 |  |  | 978 |  |  | — |
Residential 1-4 Family - Commercial | 34 |  |  | 3,800 |  |  | — |  |  | 30 |  |  | 2,887 |  |  | — |
Residential 1-4 Family - Mortgage | 30 |  |  | 5,586 |  |  | — |  |  | 30 |  |  | 5,070 |  |  | — |
HELOC | 2 |  |  | 57 |  |  | — |  |  | 2 |  |  | 58 |  |  | — |
Consumer | 3 |  |  | 28 |  |  | — |  |  | 1 |  |  | 13 |  |  | — |
Other Commercial | 1 |  |  | 474 |  |  | — |  |  | 1 |  |  | 478 |  |  | — |
Total performing | 91 |  |  | $ | 20,809 |  |  | $ | — |  |  | 85 |  |  | $ | 19,201 |  |  | $ | — |
Nonperforming |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Construction and Land Development | 1 |  |  | $ | 1,557 |  |  | $ | — |  |  | 2 |  |  | $ | 3,474 |  |  | $ | — |
Commercial Real Estate - Owner Occupied | 2 |  |  | 190 |  |  | — |  |  | 2 |  |  | 198 |  |  | — |
Commercial & Industrial | 4 |  |  | 285 |  |  | — |  |  | 6 |  |  | 461 |  |  | — |
Residential 1-4 Family - Commercial | 1 |  |  | 60 |  |  | — |  |  | 1 |  |  | 60 |  |  | — |
Residential 1-4 Family - Mortgage | 14 |  |  | 2,528 |  |  | — |  |  | 15 |  |  | 3,135 |  |  | — |
HELOC | 2 |  |  | 62 |  |  | — |  |  | 2 |  |  | 62 |  |  | — |
Consumer | — |  |  | — |  |  | — |  |  | 1 |  |  | 7 |  |  | — |
Total nonperforming | 24 |  |  | $ | 4,682 |  |  | $ | — |  |  | 29 |  |  | $ | 7,397 |  |  | $ | — |
Total performing and nonperforming | 115 |  |  | $ | 25,491 |  |  | $ | — |  |  | 114 |  |  | $ | 26,598 |  |  | $ | — |
Schedule of TDR by Class and Modification Type | The following table shows, by segment and modification type, TDRs that occurred during the three months ended March 31, 2019 and 2018 (dollars in thousands):
| All Restructurings
| Three Months Ended March 31, 2019 |  | Three Months Ended March 31, 2018
| No. of Loans |  | Recorded Investment at Period End |  | No. of Loans |  | Recorded Investment at Period End
Modified to interest only, at a market rate |  |  |  |  |  |  |
Total interest only at market rate of interest | — |  |  | $ | — |  |  | — |  |  | $ | — |
Term modification, at a market rate |  |  |  |  |  |  |  |  |  |  |
Commercial Real Estate - Owner Occupied | — |  |  | $ | — |  |  | 3 |  |  | $ | 811 |
Commercial & Industrial | 1 |  |  | 441 |  |  | — |  |  | — |
Residential 1-4 Family - Commercial | 2 |  |  | 300 |  |  | 1 |  |  | 152 |
Residential 1-4 Family - Mortgage | 1 |  |  | 38 |  |  | 1 |  |  | 140 |
Consumer | 1 |  |  | 10 |  |  | — |  |  | — |
Total loan term extended at a market rate | 5 |  |  | $ | 789 |  |  | 5 |  |  | $ | 1,103 |
Term modification, below market rate |  |  |  |  |  |  |
Residential 1-4 Family - Commercial | 5 |  |  | $ | 937 |  |  | — |  |  | $ | — |
Residential 1-4 Family - Mortgage | — |  |  | — |  |  | 2 |  |  | 164 |
Consumer | 1 |  |  | 6 |  |  | — |  |  | — |
Total loan term extended at a below market rate | 6 |  |  | $ | 943 |  |  | 2 |  |  | $ | 164 |
Total | 11 |  |  | $ | 1,732 |  |  | 7 |  |  | $ | 1,267 |
Allowance for Loan Loss Activity, by Portfolio Segment, Balances for Allowance for Credit Losses, and Loans Based on Impairment Methodology | The following tables show the ALL activity by segment for the three months ended March 31, 2019 and 2018. The tables below include the provision for loan losses. Allocation of a portion of the allowance to one category of loans does not preclude its availability to absorb losses in other categories (dollars in thousands):
| Three Months Ended March 31, 2019
| Allowance for loan losses
| Balance, beginning of the year |  | Recoveries credited to allowance |  | Loans charged off |  | Provision charged to operations |  | Balance, end of period
Construction and Land Development | $ | 6,803 |  |  | $ | 27 |  |  | $ | (732 | ) |  | $ | 126 |  |  | $ | 6,224 |
Commercial Real Estate - Owner Occupied | 4,023 |  |  | 25 |  |  | (47 | ) |  | 29 |  |  | 4,030 |
Commercial Real Estate - Non-Owner Occupied | 8,865 |  |  | 89 |  |  | — |  |  | 82 |  |  | 9,036 |
Multifamily Real Estate | 649 |  |  | 85 |  |  | — |  |  | (74 | ) |  | 660 |
Commercial & Industrial | 7,636 |  |  | 360 |  |  | (980 | ) |  | 395 |  |  | 7,411 |
Residential 1-4 Family - Commercial | 1,984 |  |  | 87 |  |  | (66 | ) |  | 74 |  |  | 2,079 |
Residential 1-4 Family - Mortgage | 1,200 |  |  | 155 |  |  | (32 | ) |  | 90 |  |  | 1,413 |
Auto | 1,443 |  |  | 186 |  |  | (399 | ) |  | 216 |  |  | 1,446 |
HELOC | 1,297 |  |  | 87 |  |  | (216 | ) |  | 238 |  |  | 1,406 |
Consumer and all other(1) | 7,145 |  |  | 595 |  |  | (3,467 | ) |  | 2,849 |  |  | 7,122 |
Total | $ | 41,045 |  |  | $ | 1,696 |  |  | $ | (5,939 | ) |  | $ | 4,025 |  |  | $ | 40,827 |
(1)Consumer and Other Commercial are grouped together as Consumer and all other for reporting purposes.
| Three Months Ended March 31, 2018
| Allowance for loan losses
| Balance, beginning of the year |  | Recoveries credited to allowance |  | Loans charged off |  | Provision charged to operations |  | Balance, end of period
Construction and Land Development | $ | 9,709 |  |  | $ | 226 |  |  | $ | (6 | ) |  | $ | 287 |  |  | $ | 10,216 |
Commercial Real Estate - Owner Occupied | 2,931 |  |  | 109 |  |  | (125 | ) |  | 1,057 |  |  | 3,972 |
Commercial Real Estate - Non-Owner Occupied | 7,544 |  |  | 4 |  |  | (94 | ) |  | (353 | ) |  | 7,101 |
Multifamily Real Estate | 1,092 |  |  | 5 |  |  | — |  |  | 290 |  |  | 1,387 |
Commercial & Industrial | 4,552 |  |  | 186 |  |  | (206 | ) |  | 1,162 |  |  | 5,694 |
Residential 1-4 Family - Commercial | 4,437 |  |  | 52 |  |  | (10 | ) |  | (1,787 | ) |  | 2,692 |
Residential 1-4 Family - Mortgage | 1,524 |  |  | 153 |  |  | (100 | ) |  | 638 |  |  | 2,215 |
Auto | 975 |  |  | 88 |  |  | (168 | ) |  | 125 |  |  | 1,020 |
HELOC | 1,360 |  |  | 276 |  |  | (84 | ) |  | (81 | ) |  | 1,471 |
Consumer and all other(1) | 4,084 |  |  | 381 |  |  | (1,766 | ) |  | 2,162 |  |  | 4,861 |
Total | $ | 38,208 |  |  | $ | 1,480 |  |  | $ | (2,559 | ) |  | $ | 3,500 |  |  | $ | 40,629 |
(1)Consumer and Other Commercial are grouped together as Consumer and all other for reporting purposes. The following tables show the loan and ALL balances based on impairment methodology by segment as of March 31, 2019 and December 31, 2018 (dollars in thousands):
| March 31, 2019
| Loans individually evaluated for impairment |  | Loans collectively evaluated for impairment |  | Loans acquired with deteriorated credit quality |  | Total
| Loans |  | ALL |  | Loans |  | ALL |  | Loans |  | ALL |  | Loans |  | ALL
Construction and Land Development | $ | 8,710 |  |  | $ | 89 |  |  | $ | 1,305,369 |  |  | $ | 6,135 |  |  | $ | 12,600 |  |  | $ | — |  |  | $ | 1,326,679 |  |  | $ | 6,224 |
Commercial Real Estate - Owner Occupied | 11,497 |  |  | 256 |  |  | 1,883,131 |  |  | 3,774 |  |  | 26,836 |  |  | — |  |  | 1,921,464 |  |  | 4,030 |
Commercial Real Estate - Non-Owner Occupied | 6,951 |  |  | 4 |  |  | 2,944,652 |  |  | 9,032 |  |  | 18,850 |  |  | — |  |  | 2,970,453 |  |  | 9,036 |
Multifamily Real Estate | — |  |  | — |  |  | 591,341 |  |  | 660 |  |  | 90 |  |  | — |  |  | 591,431 |  |  | 660 |
Commercial & Industrial | 2,068 |  |  | 208 |  |  | 1,860,398 |  |  | 7,203 |  |  | 4,159 |  |  | — |  |  | 1,866,625 |  |  | 7,411 |
Residential 1-4 Family - Commercial | 9,880 |  |  | 397 |  |  | 791,736 |  |  | 1,682 |  |  | 13,693 |  |  | — |  |  | 815,309 |  |  | 2,079 |
Residential 1-4 Family - Mortgage | 14,599 |  |  | 539 |  |  | 833,723 |  |  | 874 |  |  | 17,180 |  |  | — |  |  | 865,502 |  |  | 1,413 |
Auto | 523 |  |  | 208 |  |  | 300,101 |  |  | 1,238 |  |  | 7 |  |  | — |  |  | 300,631 |  |  | 1,446 |
HELOC | 3,438 |  |  | 348 |  |  | 663,511 |  |  | 1,058 |  |  | 5,138 |  |  | — |  |  | 672,087 |  |  | 1,406 |
Consumer and all other(1) | 793 |  |  | 88 |  |  | 619,957 |  |  | 7,034 |  |  | 1,379 |  |  | — |  |  | 622,129 |  |  | 7,122 |
Total loans held for investment, net | $ | 58,459 |  |  | $ | 2,137 |  |  | $ | 11,793,919 |  |  | $ | 38,690 |  |  | $ | 99,932 |  |  | $ | — |  |  | $ | 11,952,310 |  |  | $ | 40,827 |
(1)Consumer and Other Commercial are grouped together as Consumer and all other for reporting purposes.
| December 31, 2018
| Loans individually evaluated for impairment |  | Loans collectively evaluated for impairment |  | Loans acquired with deteriorated credit quality |  | Total
| Loans |  | ALL |  | Loans |  | ALL |  | Loans |  | ALL |  | Loans |  | ALL
Construction and Land Development | $ | 10,662 |  |  | $ | 63 |  |  | $ | 1,175,505 |  |  | $ | 6,740 |  |  | $ | 8,654 |  |  | $ | — |  |  | $ | 1,194,821 |  |  | $ | 6,803 |
Commercial Real Estate - Owner Occupied | 12,690 |  |  | 359 |  |  | 1,299,011 |  |  | 3,664 |  |  | 25,644 |  |  | — |  |  | 1,337,345 |  |  | 4,023 |
Commercial Real Estate - Non-Owner Occupied | 6,969 |  |  | 1 |  |  | 2,443,106 |  |  | 8,864 |  |  | 17,335 |  |  | — |  |  | 2,467,410 |  |  | 8,865 |
Multifamily Real Estate | — |  |  | — |  |  | 548,143 |  |  | 649 |  |  | 88 |  |  | — |  |  | 548,231 |  |  | 649 |
Commercial & Industrial | 4,242 |  |  | 752 |  |  | 1,310,737 |  |  | 6,884 |  |  | 2,156 |  |  | — |  |  | 1,317,135 |  |  | 7,636 |
Residential 1-4 Family - Commercial | 7,696 |  |  | 185 |  |  | 692,347 |  |  | 1,799 |  |  | 13,707 |  |  | — |  |  | 713,750 |  |  | 1,984 |
Residential 1-4 Family - Mortgage | 13,833 |  |  | 374 |  |  | 569,979 |  |  | 826 |  |  | 16,766 |  |  | — |  |  | 600,578 |  |  | 1,200 |
Auto | 576 |  |  | 231 |  |  | 301,360 |  |  | 1,212 |  |  | 7 |  |  | — |  |  | 301,943 |  |  | 1,443 |
HELOC | 1,874 |  |  | 188 |  |  | 606,394 |  |  | 1,109 |  |  | 5,115 |  |  | — |  |  | 613,383 |  |  | 1,297 |
Consumer and all other(1) | 686 |  |  | 64 |  |  | 620,176 |  |  | 7,081 |  |  | 749 |  |  | — |  |  | 621,611 |  |  | 7,145 |
Total loans held for investment, net | $ | 59,228 |  |  | $ | 2,217 |  |  | $ | 9,566,758 |  |  | $ | 38,828 |  |  | $ | 90,221 |  |  | $ | — |  |  | $ | 9,716,207 |  |  | $ | 41,045 |
(1) Consumer and Other Commercial are grouped together as Consumer and all other for reporting purposes.
Loans Receivables Related Risk Rating | The following table shows the recorded investment in all loans, excluding PCI loans, by segment with their related risk level as of March 31, 2019 (dollars in thousands):
| Pass |  | Watch & Special Mention |  | Substandard |  | Doubtful |  | Total
Construction and Land Development | $ | 1,256,927 |  |  | $ | 44,734 |  |  | $ | 12,413 |  |  | $ | 5 |  |  | $ | 1,314,079 |
Commercial Real Estate - Owner Occupied | 1,798,015 |  |  | 76,629 |  |  | 19,984 |  |  | — |  |  | 1,894,628 |
Commercial Real Estate - Non-Owner Occupied | 2,890,489 |  |  | 54,050 |  |  | 7,064 |  |  | — |  |  | 2,951,603 |
Multifamily Real Estate | 580,548 |  |  | 10,793 |  |  | — |  |  | — |  |  | 591,341 |
Commercial & Industrial | 1,753,278 |  |  | 106,629 |  |  | 2,559 |  |  | — |  |  | 1,862,466 |
Residential 1-4 Family - Commercial | 766,837 |  |  | 26,790 |  |  | 7,989 |  |  | — |  |  | 801,616 |
Residential 1-4 Family - Mortgage | 827,008 |  |  | 4,776 |  |  | 16,538 |  |  | — |  |  | 848,322 |
Auto | 296,700 |  |  | 2,207 |  |  | 1,717 |  |  | — |  |  | 300,624 |
HELOC | 654,804 |  |  | 5,830 |  |  | 6,315 |  |  | — |  |  | 666,949 |
Consumer | 395,747 |  |  | 778 |  |  | 273 |  |  | — |  |  | 396,798 |
Other Commercial | 220,323 |  |  | 3,521 |  |  | 108 |  |  | — |  |  | 223,952 |
Total | $ | 11,440,676 |  |  | $ | 336,737 |  |  | $ | 74,960 |  |  | $ | 5 |  |  | $ | 11,852,378 |
The following table shows the recorded investment in all loans, excluding PCI loans, by segment with their related risk level as of December 31, 2018 (dollars in thousands):
| Pass |  | Watch & Special Mention |  | Substandard |  | Doubtful |  | Total
Construction and Land Development | $ | 1,130,577 |  |  | $ | 43,894 |  |  | $ | 11,696 |  |  | $ | — |  |  | $ | 1,186,167 |
Commercial Real Estate - Owner Occupied | 1,231,422 |  |  | 50,939 |  |  | 29,340 |  |  | — |  |  | 1,311,701 |
Commercial Real Estate - Non-Owner Occupied | 2,425,500 |  |  | 17,648 |  |  | 6,927 |  |  | — |  |  | 2,450,075 |
Multifamily Real Estate | 537,572 |  |  | 10,571 |  |  | — |  |  | — |  |  | 548,143 |
Commercial & Industrial | 1,273,549 |  |  | 34,864 |  |  | 6,566 |  |  | — |  |  | 1,314,979 |
Residential 1-4 Family - Commercial | 677,109 |  |  | 17,086 |  |  | 5,848 |  |  | — |  |  | 700,043 |
Residential 1-4 Family - Mortgage | 554,192 |  |  | 14,855 |  |  | 14,765 |  |  | — |  |  | 583,812 |
Auto | 296,907 |  |  | 3,590 |  |  | 1,439 |  |  | — |  |  | 301,936 |
HELOC | 598,444 |  |  | 6,316 |  |  | 3,508 |  |  | — |  |  | 608,268 |
Consumer | 378,873 |  |  | 547 |  |  | 242 |  |  | — |  |  | 379,662 |
Other Commercial | 239,857 |  |  | 864 |  |  | 479 |  |  | — |  |  | 241,200 |
Total | $ | 9,344,002 |  |  | $ | 201,174 |  |  | $ | 80,810 |  |  | $ | — |  |  | $ | 9,625,986 |
Schedule of Acquired Loan Portfolio and Accretable Yield | The following shows changes in the accretable yield for loans accounted for under ASC 310-30, Receivables – Loans and Debt Securities Acquired with Deteriorated Credit Quality, for the periods presented (dollars in thousands):
| For the Three Months Ended March 31,
| 2019 |  | 2018
Balance at beginning of period | $ | 31,201 |  |  | $ | 14,563 |
Additions | 2,432 |  |  | 12,225 |
Accretion | (2,385 | ) |  | (2,144 | )
Reclassification of nonaccretable difference due to improvement in expected cash flows | 465 |  |  | (35 | )
Other, net (1) | 1,508 |  |  | 293 |
Balance at end of period | $ | 33,221 |  |  | $ | 24,902 |
(1) This line item represents changes in the cash flows expected to be collected due to the impact of non-credit changes such as prepayment assumptions, changes in interest rates on variable rate PCI loans, and discounted payoffs that occurred in the quarter.
Purchased Impaired |
Accounts, Notes, Loans and Financing Receivable [Line Items] |
Summary of Aging of the Loan Portfolio by Class | The following table shows the PCI loan portfolios, by segment and their delinquency status, at March 31, 2019 (dollars in thousands):
| 30-89 Days Past Due |  | Greater than 90 Days |  | Current |  | Total
Construction and Land Development | $ | 220 |  |  | $ | 1,257 |  |  | $ | 11,123 |  |  | $ | 12,600 |
Commercial Real Estate - Owner Occupied | 453 |  |  | 4,891 |  |  | 21,492 |  |  | 26,836 |
Commercial Real Estate - Non-Owner Occupied | 146 |  |  | 1,773 |  |  | 16,931 |  |  | 18,850 |
Multifamily Real Estate | — |  |  | — |  |  | 90 |  |  | 90 |
Commercial & Industrial | 275 |  |  | 1,283 |  |  | 2,601 |  |  | 4,159 |
Residential 1-4 Family - Commercial | 2,990 |  |  | 971 |  |  | 9,732 |  |  | 13,693 |
Residential 1-4 Family - Mortgage | 2,761 |  |  | 2,158 |  |  | 12,261 |  |  | 17,180 |
Auto | — |  |  | — |  |  | 7 |  |  | 7 |
HELOC | 808 |  |  | 105 |  |  | 4,225 |  |  | 5,138 |
Consumer | 5 |  |  | 7 |  |  | 681 |  |  | 693 |
Other Commercial | — |  |  | — |  |  | 686 |  |  | 686 |
Total | $ | 7,658 |  |  | $ | 12,445 |  |  | $ | 79,829 |  |  | $ | 99,932 |
The following table shows the PCI loan portfolios, by segment and their delinquency status, at December 31, 2018 (dollars in thousands):
| 30-89 Days Past Due |  | Greater than 90 Days |  | Current |  | Total
Construction and Land Development | $ | 108 |  |  | $ | 1,424 |  |  | $ | 7,122 |  |  | $ | 8,654 |
Commercial Real Estate - Owner Occupied | 658 |  |  | 4,281 |  |  | 20,705 |  |  | 25,644 |
Commercial Real Estate - Non-Owner Occupied | 61 |  |  | 1,810 |  |  | 15,464 |  |  | 17,335 |
Multifamily Real Estate | — |  |  | — |  |  | 88 |  |  | 88 |
Commercial & Industrial | 47 |  |  | 1,092 |  |  | 1,017 |  |  | 2,156 |
Residential 1-4 Family - Commercial | 931 |  |  | 3,464 |  |  | 9,312 |  |  | 13,707 |
Residential 1-4 Family - Mortgage | 1,899 |  |  | 2,412 |  |  | 12,455 |  |  | 16,766 |
Auto | — |  |  | — |  |  | 7 |  |  | 7 |
HELOC | 498 |  |  | 252 |  |  | 4,365 |  |  | 5,115 |
Consumer | 5 |  |  | 9 |  |  | 18 |  |  | 32 |
Other Commercial | 57 |  |  | — |  |  | 660 |  |  | 717 |
Total | $ | 4,264 |  |  | $ | 14,744 |  |  | $ | 71,213 |  |  | $ | 90,221 |
Loans Receivables Related Risk Rating | The following table shows the recorded investment in only PCI loans by segment with their related risk level as of March 31, 2019 (dollars in thousands):
| Pass |  | Watch & Special Mention |  | Substandard |  | Doubtful |  | Total
Construction and Land Development | $ | 1,760 |  |  | $ | 4,430 |  |  | $ | 6,410 |  |  | $ | — |  |  | $ | 12,600 |
Commercial Real Estate - Owner Occupied | 8,194 |  |  | 6,741 |  |  | 11,901 |  |  | — |  |  | 26,836 |
Commercial Real Estate - Non-Owner Occupied | 4,596 |  |  | 7,323 |  |  | 6,931 |  |  | — |  |  | 18,850 |
Multifamily Real Estate | — |  |  | 90 |  |  | — |  |  | — |  |  | 90 |
Commercial & Industrial | 107 |  |  | 1,182 |  |  | 2,870 |  |  | — |  |  | 4,159 |
Residential 1-4 Family - Commercial | 6,673 |  |  | 2,907 |  |  | 4,043 |  |  | 70 |  |  | 13,693 |
Residential 1-4 Family - Mortgage | 10,701 |  |  | 1,614 |  |  | 4,865 |  |  | — |  |  | 17,180 |
Auto | 4 |  |  | — |  |  | 3 |  |  | — |  |  | 7 |
HELOC | 3,395 |  |  | 1,192 |  |  | 551 |  |  | — |  |  | 5,138 |
Consumer | 681 |  |  | — |  |  | 12 |  |  | — |  |  | 693 |
Other Commercial | 55 |  |  | 631 |  |  | — |  |  | — |  |  | 686 |
Total | $ | 36,166 |  |  | $ | 26,110 |  |  | $ | 37,586 |  |  | $ | 70 |  |  | $ | 99,932 |
The following table shows the recorded investment in only PCI loans by segment with their related risk level as of December 31, 2018 (dollars in thousands):
| Pass |  | Watch & Special Mention |  | Substandard |  | Doubtful |  | Total
Construction and Land Development | $ | 1,835 |  |  | $ | 1,308 |  |  | $ | 5,511 |  |  | $ | — |  |  | $ | 8,654 |
Commercial Real Estate - Owner Occupied | 8,347 |  |  | 6,685 |  |  | 10,612 |  |  | — |  |  | 25,644 |
Commercial Real Estate - Non-Owner Occupied | 4,789 |  |  | 7,992 |  |  | 4,554 |  |  | — |  |  | 17,335 |
Multifamily Real Estate | — |  |  | 88 |  |  | — |  |  | — |  |  | 88 |
Commercial & Industrial | 762 |  |  | 134 |  |  | 1,260 |  |  | — |  |  | 2,156 |
Residential 1-4 Family - Commercial | 6,512 |  |  | 2,771 |  |  | 4,424 |  |  | — |  |  | 13,707 |
Residential 1-4 Family - Mortgage | 9,894 |  |  | 1,030 |  |  | 5,842 |  |  | — |  |  | 16,766 |
Auto | 7 |  |  | — |  |  | — |  |  | — |  |  | 7 |
HELOC | 3,438 |  |  | 1,031 |  |  | 646 |  |  | — |  |  | 5,115 |
Consumer | 17 |  |  | — |  |  | 15 |  |  | — |  |  | 32 |
Other Commercial | 57 |  |  | 660 |  |  | — |  |  | — |  |  | 717 |
Total | $ | 35,658 |  |  | $ | 21,699 |  |  | $ | 32,864 |  |  | $ | — |  |  | $ | 90,221 |

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