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LOANS AND ALLOWANCE FOR LOAN LOSSES | 12 Months Ended
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Dec. 31, 2019
Loans and Leases Receivable Disclosure [Abstract] |
LOANS AND ALLOWANCE FOR LOAN LOSSES | ​ ​ 4. LOANS AND ALLOWANCE FOR LOAN LOSSES Loans are stated at their face amount, net of deferred fees and costs, and consist of the following at December 31, 2019 and 2018 (dollars in thousands): ​
​ | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | 2019 |  | 2018
Construction and Land Development | ​ | $ | 1,250,924 | ​ | $ | 1,194,821
Commercial Real Estate - Owner Occupied | ​ |  | 2,041,243 | ​ |  | 1,337,345
Commercial Real Estate - Non-Owner Occupied | ​ |  | 3,286,098 | ​ |  | 2,467,410
Multifamily Real Estate | ​ |  | 633,743 | ​ |  | 548,231
Commercial & Industrial | ​ |  | 2,114,033 | ​ |  | 1,317,135
Residential 1-4 Family - Commercial | ​ |  | 724,337 | ​ |  | 640,419
Residential 1-4 Family - Consumer | ​ |  | 890,503 | ​ |  | 673,909
Residential 1-4 Family - Revolving | ​ |  | 659,504 | ​ |  | 613,383
Auto | ​ |  | 350,419 | ​ |  | 301,943
Consumer | ​ |  | 372,853 | ​ |  | 379,694
Other Commercial | ​ |  | 287,279 | ​ |  | 241,917
Total loans held for investment, net | ​ | $ | 12,610,936 | ​ | $ | 9,716,207
​ The following table shows the aging of the Company’s loan portfolio, by segment, at December 31, 2019 (dollars in thousands):
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ |  | ​ | ​ |  | ​ | ​ |  | Greater than |  | ​ | ​ |  | ​ | ​ |  | ​ | ​ |  | ​ | ​
​ | ​ | 30-59 Days | ​ | 60-89 Days | ​ | 90 Days and | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | Past Due | ​ | Past Due | ​ | still Accruing | ​ | PCI | ​ | Nonaccrual | ​ | Current | ​ | Total Loans
Construction and Land Development | ​ | $ | 4,563 | ​ | $ | 482 | ​ | $ | 189 | ​ | $ | 10,944 | ​ | $ | 3,703 | ​ | $ | 1,231,043 | ​ | $ | 1,250,924
Commercial Real Estate - Owner Occupied | ​ |  | 3,482 | ​ |  | 2,184 | ​ |  | 1,062 | ​ |  | 27,438 | ​ |  | 6,003 | ​ |  | 2,001,074 | ​ |  | 2,041,243
Commercial Real Estate - Non-Owner Occupied | ​ |  | 457 | ​ |  | — | ​ |  | 1,451 | ​ |  | 14,565 | ​ |  | 381 | ​ |  | 3,269,244 | ​ |  | 3,286,098
Multifamily Real Estate | ​ |  | 223 | ​ |  | — | ​ |  | 474 | ​ |  | 94 | ​ |  | — | ​ |  | 632,952 | ​ |  | 633,743
Commercial & Industrial | ​ |  | 8,698 | ​ |  | 1,598 | ​ |  | 449 | ​ |  | 1,579 | ​ |  | 1,735 | ​ |  | 2,099,974 | ​ |  | 2,114,033
Residential 1-4 Family - Commercial | ​ |  | 1,479 | ​ |  | 2,207 | ​ |  | 674 | ​ |  | 12,205 | ​ |  | 4,301 | ​ |  | 703,471 | ​ |  | 724,337
Residential 1-4 Family - Consumer | ​ |  | 16,244 | ​ |  | 3,072 | ​ |  | 4,515 | ​ |  | 14,713 | ​ |  | 9,292 | ​ |  | 842,667 | ​ |  | 890,503
Residential 1-4 Family - Revolving | ​ |  | 10,190 | ​ |  | 1,784 | ​ |  | 3,357 | ​ |  | 4,127 | ​ |  | 2,080 | ​ |  | 637,966 | ​ |  | 659,504
Auto | ​ |  | 2,525 | ​ |  | 236 | ​ |  | 272 | ​ |  | 4 | ​ |  | 563 | ​ |  | 346,819 | ​ |  | 350,419
Consumer | ​ |  | 2,128 | ​ |  | 1,233 | ​ |  | 953 | ​ |  | 668 | ​ |  | 77 | ​ |  | 367,794 | ​ |  | 372,853
Other Commercial | ​ | ​ | 464 | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 344 | ​ | ​ | 97 | ​ | ​ | 286,374 | ​ | ​ | 287,279
Total loans held for investment | ​ | $ | 50,453 | ​ | $ | 12,796 | ​ | $ | 13,396 | ​ | $ | 86,681 | ​ | $ | 28,232 | ​ | $ | 12,419,378 | ​ | $ | 12,610,936
​ ​ ​ The following table shows the aging of the Company’s loan portfolio, by segment, at December 31, 2018 (dollars in thousands): ​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ |  | ​ | ​ |  | ​ | ​ |  | Greater than |  | ​ | ​ |  | ​ | ​ |  | ​ | ​ |  | ​ | ​
​ | ​ | 30-59 Days | ​ | 60-89 Days | ​ | 90 Days and | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | Past Due | ​ | Past Due | ​ | 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 | ​ |  | 13,601 | ​ |  | 2,481 | ​ |  | 614,732 | ​ |  | 640,419
Residential 1-4 Family - Consumer | ​ |  | 12,049 | ​ |  | 5,143 | ​ |  | 2,437 | ​ |  | 16,872 | ​ |  | 7,276 | ​ |  | 630,132 | ​ |  | 673,909
Residential 1-4 Family - Revolving | ​ |  | 4,611 | ​ |  | 1,644 | ​ |  | 440 | ​ |  | 5,115 | ​ |  | 1,518 | ​ |  | 600,055 | ​ |  | 613,383
Auto | ​ |  | 3,320 | ​ |  | 403 | ​ |  | 195 | ​ |  | 7 | ​ |  | 576 | ​ |  | 297,442 | ​ |  | 301,943
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
​ ​ Nonaccrual loans totaled $28.2 million, $27.0 million, and $21.7 million at December 31, 2019, 2018 and 2017, respectively. Had these loans performed in accordance with their original terms, interest income of approximately $1.8 million, $2.3 million, and $698,000 would have been recorded in 2019, 2018, and 2017, respectively. All nonaccrual loans were included in the impaired loan disclosure in 2019 and 2018. The following table shows the PCI loan portfolios, by segment and their delinquency status, at December 31, 2019 (dollars in thousands):
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ |  | 30-89 Days |  | Greater than |  | ​ | ​ |  | ​ | ​
​ | ​ | Past Due | ​ | 90 Days | ​ | Current | ​ | Total
Construction and Land Development | ​ | $ | 136 | ​ | $ | 343 | ​ | $ | 10,465 | ​ | $ | 10,944
Commercial Real Estate - Owner Occupied | ​ |  | 480 | ​ |  | 6,884 | ​ |  | 20,074 | ​ |  | 27,438
Commercial Real Estate - Non-Owner Occupied | ​ |  | 848 | ​ |  | 987 | ​ |  | 12,730 | ​ |  | 14,565
Multifamily Real Estate | ​ |  | — | ​ |  | — | ​ |  | 94 | ​ |  | 94
Commercial & Industrial | ​ |  | — | ​ |  | 989 | ​ |  | 590 | ​ |  | 1,579
Residential 1-4 Family - Commercial | ​ |  | 543 | ​ |  | 1,995 | ​ |  | 9,667 | ​ |  | 12,205
Residential 1-4 Family - Consumer | ​ |  | 927 | ​ |  | 1,781 | ​ |  | 12,005 | ​ |  | 14,713
Residential 1-4 Family - Revolving | ​ |  | 287 | ​ |  | 205 | ​ |  | 3,635 | ​ |  | 4,127
Auto | ​ |  | — | ​ |  | — | ​ |  | 4 | ​ |  | 4
Consumer | ​ | ​ | — | ​ | ​ | 9 | ​ | ​ | 659 | ​ | ​ | 668
Other Commercial | ​ |  | — | ​ |  | — | ​ |  | 344 | ​ |  | 344
Total | ​ | $ | 3,221 | ​ | $ | 13,193 | ​ | $ | 70,267 | ​ | $ | 86,681
​ ​ The following table shows the PCI loan portfolios, by segment and their delinquency status, at December 31, 2018 (dollars in thousands):
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ |  | 30-89 Days |  | Greater than |  | ​ | ​ |  | ​ | ​
​ | ​ | Past Due | ​ | 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 | ​ |  | 871 | ​ |  | 3,454 | ​ |  | 9,276 | ​ |  | 13,601
Residential 1-4 Family - Consumer | ​ |  | 1,959 | ​ |  | 2,422 | ​ |  | 12,491 | ​ |  | 16,872
Residential 1-4 Family - Revolving | ​ |  | 498 | ​ |  | 252 | ​ |  | 4,365 | ​ |  | 5,115
Auto | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 7 | ​ | ​ | 7
Consumer | ​ | ​ | 5 | ​ | ​ | 9 | ​ | ​ | 18 | ​ | ​ | 32
Other Commercial | ​ |  | 57 | ​ |  | — | ​ |  | 660 | ​ |  | 717
Total | ​ | $ | 4,264 | ​ | $ | 14,744 | ​ | $ | 71,213 | ​ | $ | 90,221
​ ​ 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 December 31, 2019 and 2018 (dollars in thousands): ​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | December 31, 2019 | ​ | December 31, 2018
​ |  | ​ | ​ |  | Unpaid |  | ​ | ​ |  | ​ | ​ |  | Unpaid |  | ​ | ​
​ | ​ | Recorded | ​ | Principal | ​ | Related | ​ | Recorded | ​ | Principal | ​ | Related
​ | ​ | Investment | ​ | Balance | ​ | Allowance | ​ | Investment | ​ | Balance | ​ | Allowance
Loans without a specific allowance |  | ​ |  |  | ​ |  |  | ​ |  |  | ​ |  |  | ​ |  |  | ​ |
Construction and Land Development | ​ | $ | 5,877 | ​ | $ | 7,174 | ​ | $ | — | ​ | $ | 10,290 | ​ | $ | 12,038 | ​ | $ | —
Commercial Real Estate - Owner Occupied | ​ |  | 8,801 | ​ |  | 9,296 | ​ |  | — | ​ |  | 8,386 | ​ |  | 9,067 | ​ |  | —
Commercial Real Estate - Non-Owner Occupied | ​ |  | 3,510 | ​ |  | 4,059 | ​ |  | — | ​ |  | 6,578 | ​ |  | 6,929 | ​ |  | —
Commercial & Industrial | ​ |  | 3,668 | ​ |  | 3,933 | ​ |  | — | ​ |  | 3,059 | ​ |  | 3,251 | ​ |  | —
Residential 1-4 Family - Commercial | ​ |  | 4,047 | ​ |  | 4,310 | ​ |  | — | ​ |  | 3,378 | ​ |  | 3,439 | ​ |  | —
Residential 1-4 Family - Consumer | ​ |  | 8,420 | ​ |  | 9,018 | ​ |  | — | ​ |  | 9,642 | ​ |  | 10,317 | ​ |  | —
Residential 1-4 Family - Revolving | ​ |  | 862 | ​ |  | 865 | ​ |  | — | ​ |  | 1,150 | ​ |  | 1,269 | ​ |  | —
Consumer | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 30 | ​ | ​ | 102 | ​ | ​ | —
Other Commercial | ​ |  | — | ​ |  | — | ​ |  | — | ​ |  | 478 | ​ |  | 478 | ​ |  | —
Total impaired loans without a specific allowance | ​ | $ | 35,185 | ​ | $ | 38,655 | ​ | $ | — | ​ | $ | 42,991 | ​ | $ | 46,890 | ​ | $ | —
Loans with a specific allowance | ​ |  |  | ​ |  |  | ​ |  |  | ​ |  |  | ​ |  |  | ​ |  |
Construction and Land Development | ​ | $ | 984 | ​ | $ | 1,032 | ​ | $ | 49 | ​ | $ | 372 | ​ | $ | 491 | ​ | $ | 63
Commercial Real Estate - Owner Occupied | ​ |  | 2,820 | ​ |  | 3,093 | ​ |  | 146 | ​ |  | 4,304 | ​ |  | 4,437 | ​ |  | 359
Commercial Real Estate - Non-Owner Occupied | ​ |  | 335 | ​ |  | 383 | ​ |  | 2 | ​ |  | 391 | ​ |  | 391 | ​ |  | 1
Commercial & Industrial | ​ |  | 2,568 | ​ |  | 2,590 | ​ |  | 619 | ​ |  | 1,183 | ​ |  | 1,442 | ​ |  | 752
Residential 1-4 Family - Commercial | ​ |  | 1,726 | ​ |  | 1,819 | ​ |  | 162 | ​ |  | 2,120 | ​ |  | 2,152 | ​ |  | 89
Residential 1-4 Family - Consumer | ​ |  | 12,026 | ​ |  | 12,670 | ​ |  | 1,242 | ​ |  | 6,389 | ​ |  | 6,645 | ​ |  | 470
Residential 1-4 Family - Revolving | ​ |  | 2,186 | ​ |  | 2,369 | ​ |  | 510 | ​ |  | 724 | ​ |  | 807 | ​ |  | 188
Auto | ​ |  | 563 | ​ |  | 879 | ​ |  | 221 | ​ |  | 576 | ​ |  | 830 | ​ |  | 231
Consumer | ​ |  | 168 | ​ |  | 336 | ​ |  | 46 | ​ |  | 178 | ​ |  | 467 | ​ |  | 64
Other Commercial | ​ | ​ | 562 | ​ | ​ | 567 | ​ | ​ | 30 | ​ | ​ | — | ​ | ​ | — | ​ | ​ | —
Total impaired loans with a specific allowance | ​ | $ | 23,938 | ​ | $ | 25,738 | ​ | $ | 3,027 | ​ | $ | 16,237 | ​ | $ | 17,662 | ​ | $ | 2,217
Total impaired loans | ​ | $ | 59,123 | ​ | $ | 64,393 | ​ | $ | 3,027 | ​ | $ | 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 years ended December 31, 2019, 2018 and 2017 (dollars in thousands):
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | December 31, 2019 | ​ | December 31, 2018 | ​ | December 31, 2017
​ |  | ​ | ​ |  | Interest |  | ​ | ​ |  | Interest |  | ​ | ​ |  | Interest
​ | ​ | Average | ​ | Income | ​ | Average | ​ | Income | ​ | Average | ​ | Income
​ | ​ | Investment | ​ | Recognized | ​ | Investment | ​ | Recognized | ​ | Investment | ​ | Recognized
Construction and Land Development | ​ | $ | 6,764 | ​ | $ | 110 | ​ | $ | 11,648 | ​ | $ | 234 | ​ | $ | 17,080 | ​ | $ | 590
Commercial Real Estate - Owner Occupied | ​ |  | 12,258 | ​ |  | 323 | ​ |  | 13,383 | ​ |  | 499 | ​ |  | 6,580 | ​ |  | 306
Commercial Real Estate - Non-Owner Occupied | ​ |  | 4,775 | ​ |  | 147 | ​ |  | 7,157 | ​ |  | 246 | ​ |  | 6,083 | ​ |  | 172
Commercial & Industrial | ​ |  | 6,438 | ​ |  | 293 | ​ |  | 4,672 | ​ |  | 232 | ​ |  | 3,208 | ​ |  | 150
Residential 1-4 Family - Commercial | ​ |  | 6,145 | ​ |  | 120 | ​ |  | 5,667 | ​ |  | 180 | ​ |  | 4,422 | ​ |  | 162
Residential 1-4 Family - Consumer | ​ |  | 20,963 | ​ |  | 308 | ​ |  | 16,977 | ​ |  | 236 | ​ |  | 12,812 | ​ |  | 222
Residential 1-4 Family - Revolving | ​ |  | 3,256 | ​ |  | 82 | ​ |  | 2,000 | ​ |  | 23 | ​ |  | 2,659 | ​ |  | 36
Auto | ​ |  | 788 | ​ |  | 15 | ​ |  | 824 | ​ |  | 20 | ​ |  | 579 | ​ |  | 19
Consumer | ​ |  | 187 | ​ |  | 5 | ​ |  | 263 | ​ |  | 5 | ​ |  | 428 | ​ |  | 14
Other Commercial | ​ | ​ | 584 | ​ | ​ | 22 | ​ | ​ | 486 | ​ | ​ | 27 | ​ | ​ | 382 | ​ | ​ | 22
Total impaired loans | ​ | $ | 62,158 | ​ | $ | 1,425 | ​ | $ | 63,077 | ​ | $ | 1,702 | ​ | $ | 54,233 | ​ | $ | 1,693
​ The Company considers TDRs to be impaired loans. A modification of a loan’s terms constitutes a TDR if the creditor grants a concession that it would not otherwise consider to the borrower for economic or legal reasons related to the borrower’s financial difficulties. All loans that are considered to be TDRs are evaluated for impairment in accordance with the Company’s allowance for loan loss methodology and are included in the preceding impaired loan tables. For the year ended December 31, 2019, the recorded investment in TDRs prior to modifications was not materially impacted by the modifications. The following table provides a summary, by segment, of TDRs that continue to accrue interest under the terms of the restructuring agreement, which are considered to be performing, and TDRs that have been placed in nonaccrual status, which are considered to be nonperforming, as of December 31, 2019 and 2018 (dollars in thousands): ​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | December 31, 2019 | ​ | December 31, 2018
​ |  | No. of |  | Recorded |  | Outstanding |  | No. of |  | Recorded |  | Outstanding
​ | ​ | Loans | ​ | Investment | ​ | Commitment | ​ | Loans | ​ | Investment | ​ | Commitment
Performing |  |  |  | ​ |  |  | ​ |  |  |  |  | ​ |  |  | ​ |
Construction and Land Development |  | 4 | ​ | $ | 1,114 | ​ | $ | — |  | 5 | ​ | $ | 2,496 | ​ | $ | —
Commercial Real Estate - Owner Occupied |  | 6 | ​ |  | 2,228 | ​ |  | 26 |  | 8 | ​ |  | 2,783 | ​ |  | —
Commercial Real Estate - Non-Owner Occupied |  | 1 | ​ |  | 1,089 | ​ |  | — |  | 4 | ​ |  | 4,438 | ​ |  | —
Commercial & Industrial |  | 4 | ​ |  | 1,020 | ​ |  | — |  | 4 | ​ |  | 978 | ​ |  | —
Residential 1-4 Family - Commercial |  | 5 | ​ |  | 290 | ​ |  | — |  | 8 | ​ |  | 1,075 | ​ |  | —
Residential 1-4 Family - Consumer |  | 69 | ​ |  | 9,396 | ​ |  | — |  | 52 | ​ |  | 6,882 | ​ |  | —
Residential 1-4 Family - Revolving |  | 2 | ​ |  | 56 | ​ |  | — |  | 2 | ​ |  | 58 | ​ |  | —
Consumer |  | 4 | ​ |  | 29 | ​ |  | — |  | 1 | ​ |  | 13 | ​ |  | —
Other Commercial | ​ | 1 | ​ | ​ | 464 | ​ | ​ | — | ​ | 1 | ​ | ​ | 478 | ​ | ​ | —
Total performing |  | 96 | ​ | $ | 15,686 | ​ | $ | 26 |  | 85 | ​ | $ | 19,201 | ​ | $ | —
Nonperforming |  |  | ​ |  |  | ​ |  |  |  |  | ​ |  |  | ​ |  |
Construction and Land Development |  | — | ​ | $ | — | ​ | $ | — |  | 2 | ​ | $ | 3,474 | ​ | $ | —
Commercial Real Estate - Owner Occupied |  | 2 | ​ |  | 176 | ​ |  | — |  | 2 | ​ |  | 198 | ​ |  | —
Commercial & Industrial |  | 1 | ​ |  | 55 | ​ |  | — |  | 6 | ​ |  | 461 | ​ |  | —
Residential 1-4 Family - Commercial |  | — | ​ |  | — | ​ |  | — |  | 1 | ​ |  | 60 | ​ |  | —
Residential 1-4 Family - Consumer |  | 19 | ​ |  | 3,522 | ​ |  | — |  | 15 | ​ |  | 3,135 | ​ |  | —
Residential 1-4 Family - Revolving |  | 2 | ​ |  | 57 | ​ |  | — |  | 2 | ​ |  | 62 | ​ |  | —
Consumer | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | 1 | ​ | ​ | 7 | ​ | ​ | —
Total nonperforming |  | 24 | ​ | $ | 3,810 | ​ | $ | — |  | 29 | ​ | $ | 7,397 | ​ | $ | —
Total performing and nonperforming |  | 120 | ​ | $ | 19,496 | ​ | $ | 26 |  | 114 | ​ | $ | 26,598 | ​ | $ | —
​ The Company considers a default of a TDR to occur when the borrower is 90 days past due following the restructure or a foreclosure and repossession of the applicable collateral occurs. During the years ended December 31, 2019 and 2018, the Company did not have any material loans that went into default that had been restructured in the twelve-month period prior to the time of default. The following table shows, by segment and modification type, TDRs that occurred during the years ended December 31, 2019 and 2018 (dollars in thousands):
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | All Restructurings
​ | ​ | 2019 | ​ | 2018
​ |  | ​ |  | Recorded |  | ​ |  | Recorded
​ | ​ | No. of | ​ | Investment at | ​ | No. of | ​ | Investment at
​ | ​ | Loans | ​ | Period End | ​ | Loans | ​ | Period End
Modified to interest only, at a market rate |  |  |  | ​ |  |  |  |  | ​ |
Total interest only at market rate of interest |  | — | ​ | $ | — |  | — | ​ | $ | —
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Term modification, at a market rate |  |  | ​ |  |  |  |  | ​ |  |
Construction and Land Development |  | — | ​ | $ | — |  | 4 | ​ | $ | 4,675
Commercial Real Estate - Owner Occupied |  | — | ​ |  | — |  | 5 | ​ |  | 1,365
Commercial Real Estate - Non-Owner Occupied |  | — | ​ |  | — |  | 1 | ​ |  | 1,089
Commercial & Industrial |  | 1 | ​ |  | 376 |  | 3 | ​ |  | 334
Residential 1-4 Family - Commercial |  | 1 | ​ |  | 72 |  | 1 | ​ |  | 71
Residential 1-4 Family - Consumer |  | 7 | ​ |  | 1,688 |  | 9 | ​ |  | 1,079
Consumer | ​ | 3 | ​ | ​ | 24 | ​ | 1 | ​ | ​ | 13
Total loan term extended at a market rate |  | 12 | ​ | $ | 2,160 |  | 24 | ​ | $ | 8,626
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Term modification, below market rate |  |  | ​ |  |  |  |  | ​ |  |
Construction and Land Development | ​ | 3 | ​ | $ | 193 | ​ | — | ​ | $ | —
Commercial Real Estate - Non-Owner Occupied |  | — | ​ |  | — |  | 1 | ​ | ​ | 2,782
Residential 1-4 Family - Consumer |  | 22 | ​ |  | 2,658 |  | 19 | ​ |  | 2,783
Residential 1-4 Family - Revolving |  | — | ​ |  | — |  | 2 | ​ | ​ | 46
Consumer |  | 1 | ​ |  | 5 |  | — | ​ |  | —
Total loan term extended at a below market rate |  | 26 | ​ | $ | 2,856 |  | 22 | ​ | $ | 5,611
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Interest rate modification, below market rate |  |  | ​ |  |  |  |  | ​ |  |
Residential 1-4 Family - Commercial |  | — | ​ | $ | — |  | 1 | ​ | $ | 265
Total interest only at below market rate of interest |  | — | ​ | $ | — |  | 1 | ​ | $ | 265
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Total |  | 38 | ​ | $ | 5,016 |  | 47 | ​ | $ | 14,502
​ ​ The following tables show the allowance for loan loss activity by segment for the year ended December 31, 2019, 2018, and 2017. 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): ​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | Year Ended December 31, 2019
​ | ​ | Allowance for loan losses
​ |  | Balance, |  | Recoveries |  | Loans |  | Provision |  | Balance,
​ | ​ | beginning of | ​ | credited to | ​ | charged | ​ | charged to | ​ | end of
​ | ​ | the year | ​ | allowance | ​ | off | ​ | operations | ​ | period
Construction and Land Development | ​ | $ | 6,803 | ​ | $ | 665 | ​ | $ | (4,218) | ​ | $ | 2,508 | ​ | $ | 5,758
Commercial Real Estate - Owner Occupied | ​ |  | 4,023 | ​ |  | 456 | ​ |  | (1,346) | ​ |  | 786 | ​ |  | 3,919
Commercial Real Estate - Non-Owner Occupied | ​ |  | 8,865 | ​ |  | 109 | ​ |  | (270) | ​ |  | 839 | ​ |  | 9,543
Multifamily Real Estate | ​ |  | 649 | ​ |  | 85 | ​ |  | — | ​ |  | (102) | ​ |  | 632
Commercial & Industrial | ​ |  | 7,636 | ​ |  | 1,132 | ​ |  | (3,096) | ​ |  | 2,932 | ​ |  | 8,604
Residential 1-4 Family - Commercial | ​ |  | 1,692 | ​ |  | 372 | ​ |  | (472) | ​ |  | (227) | ​ |  | 1,365
Residential 1-4 Family - Consumer | ​ |  | 1,492 | ​ |  | 466 | ​ |  | (144) | ​ |  | 199 | ​ |  | 2,013
Residential 1-4 Family - Revolving | ​ |  | 1,297 | ​ |  | 692 | ​ |  | (698) | ​ |  | 32 | ​ |  | 1,323
Auto | ​ |  | 1,443 | ​ |  | 549 | ​ |  | (1,282) | ​ |  | 743 | ​ |  | 1,453
Consumer and all other(1) | ​ |  | 7,145 | ​ |  | 2,706 | ​ |  | (16,582) | ​ |  | 14,415 | ​ |  | 7,684
Total | ​ | $ | 41,045 | ​ | $ | 7,232 | ​ | $ | (28,108) | ​ | $ | 22,125 | ​ | $ | 42,294
(1) | Consumer and Other Commercial are grouped together as Consumer and all other for reporting purposes.
​ ​ ​ ​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | Year Ended December 31, 2018
​ | ​ | Allowance for loan losses
​ |  | Balance, |  | Recoveries |  | Loans |  | Provision |  | Balance,
​ | ​ | beginning of | ​ | credited to | ​ | charged | ​ | charged to | ​ | end of
​ | ​ | the year | ​ | allowance | ​ | off | ​ | operations | ​ | period
Construction and Land Development | ​ | $ | 9,709 | ​ | $ | 447 | ​ | $ | (2,005) | ​ | $ | (1,348) | ​ | $ | 6,803
Commercial Real Estate - Owner Occupied | ​ |  | 2,931 | ​ |  | 610 | ​ |  | (709) | ​ |  | 1,191 | ​ |  | 4,023
Commercial Real Estate - Non-Owner Occupied | ​ |  | 7,544 | ​ |  | 100 | ​ |  | (94) | ​ |  | 1,315 | ​ |  | 8,865
Multifamily Real Estate | ​ |  | 1,092 | ​ |  | 5 | ​ |  | — | ​ |  | (448) | ​ |  | 649
Commercial & Industrial | ​ |  | 4,552 | ​ |  | 534 | ​ |  | (833) | ​ |  | 3,383 | ​ |  | 7,636
Residential 1-4 Family - Commercial | ​ |  | 4,437 | ​ |  | 353 | ​ |  | (176) | ​ |  | (2,922) | ​ |  | 1,692
Residential 1-4 Family - Consumer | ​ |  | 1,524 | ​ |  | 310 | ​ |  | (852) | ​ |  | 510 | ​ |  | 1,492
Residential 1-4 Family - Revolving | ​ |  | 1,360 | ​ |  | 636 | ​ |  | (1,206) | ​ |  | 507 | ​ |  | 1,297
Auto | ​ |  | 975 | ​ |  | 436 | ​ |  | (1,074) | ​ |  | 1,106 | ​ |  | 1,443
Consumer and all other(1) | ​ |  | 4,084 | ​ |  | 1,737 | ​ |  | (9,281) | ​ |  | 10,605 | ​ |  | 7,145
Total | ​ | $ | 38,208 | ​ | $ | 5,168 | ​ | $ | (16,230) | ​ | $ | 13,899 | ​ | $ | 41,045
(1) | Consumer and Other Commercial are grouped together as Consumer and all other for reporting purposes.
​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | Year Ended December 31, 2017
​ | ​ | Allowance for loan losses
​ |  | Balance, |  | Recoveries |  | Loans |  | Provision |  | Balance,
​ | ​ | beginning | ​ | credited to | ​ | charged | ​ | charged to | ​ | end of
​ | ​ | of the year | ​ | allowance | ​ | off | ​ | operations | ​ | period
Construction and Land Development | ​ | $ | 10,055 | ​ | $ | 206 | ​ | $ | (2,190) | ​ | $ | 1,638 | ​ | $ | 9,709
Commercial Real Estate - Owner Occupied | ​ |  | 3,801 | ​ |  | 171 | ​ |  | (46) | ​ |  | (995) | ​ |  | 2,931
Commercial Real Estate - Non-Owner Occupied | ​ |  | 6,622 | ​ |  | 2 | ​ |  | (1,180) | ​ |  | 2,100 | ​ |  | 7,544
Multifamily Real Estate | ​ |  | 1,236 | ​ |  | — | ​ |  | — | ​ |  | (144) | ​ |  | 1,092
Commercial & Industrial | ​ |  | 4,627 | ​ |  | 483 | ​ |  | (2,277) | ​ |  | 1,719 | ​ |  | 4,552
Residential 1-4 Family - Commercial | ​ |  | 3,698 | ​ |  | 329 | ​ |  | (463) | ​ |  | 873 | ​ |  | 4,437
Residential 1-4 Family - Consumer | ​ |  | 2,701 | ​ |  | 102 | ​ |  | (588) | ​ |  | (691) | ​ |  | 1,524
Residential 1-4 Family - Revolving | ​ |  | 1,328 | ​ |  | 314 | ​ |  | (1,019) | ​ |  | 737 | ​ |  | 1,360
Auto | ​ |  | 946 | ​ |  | 459 | ​ |  | (1,038) | ​ |  | 608 | ​ |  | 975
Consumer and all other(1) | ​ |  | 2,178 | ​ |  | 1,189 | ​ |  | (4,509) | ​ |  | 5,226 | ​ |  | 4,084
Total | ​ | $ | 37,192 | ​ | $ | 3,255 | ​ | $ | (13,310) | ​ | $ | 11,071 | ​ | $ | 38,208
​
(1) | Consumer and Other Commercial are grouped together as Consumer and all other for reporting purposes.
The following tables show the loan and allowance for loan loss balances based on impairment methodology by segment as of December 31, 2019 and 2018 (dollars in thousands): ​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | December 31, 2019
​ | ​ | Loans individually | ​ | Loans collectively | ​ | Loans acquired with | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | evaluated for | ​ | evaluated for | ​ | deteriorated credit | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | impairment | ​ | impairment | ​ | quality | ​ | Total
​ |  | Loans |  | ALL |  | Loans |  | ALL |  | Loans |  | ALL |  | Loans |  | ALL
Construction and Land Development | ​ | $ | 6,861 | ​ | $ | 49 | ​ | $ | 1,233,119 | ​ | $ | 5,709 | ​ | $ | 10,944 | ​ | $ | — | ​ | $ | 1,250,924 | ​ | $ | 5,758
Commercial Real Estate - Owner Occupied | ​ |  | 11,621 | ​ |  | 146 | ​ |  | 2,002,184 | ​ |  | 3,773 | ​ |  | 27,438 | ​ |  | — | ​ |  | 2,041,243 | ​ |  | 3,919
Commercial Real Estate - Non-Owner Occupied | ​ |  | 3,845 | ​ |  | 2 | ​ |  | 3,267,688 | ​ |  | 9,541 | ​ |  | 14,565 | ​ |  | — | ​ |  | 3,286,098 | ​ |  | 9,543
Multifamily Real Estate | ​ |  | — | ​ |  | — | ​ |  | 633,649 | ​ |  | 632 | ​ |  | 94 | ​ |  | — | ​ |  | 633,743 | ​ |  | 632
Commercial & Industrial | ​ |  | 6,236 | ​ |  | 619 | ​ |  | 2,106,218 | ​ |  | 7,768 | ​ |  | 1,579 | ​ |  | 217 | ​ |  | 2,114,033 | ​ |  | 8,604
Residential 1-4 Family - Commercial | ​ |  | 5,773 | ​ |  | 162 | ​ |  | 706,359 | ​ |  | 1,203 | ​ |  | 12,205 | ​ |  | — | ​ |  | 724,337 | ​ |  | 1,365
Residential 1-4 Family - Consumer | ​ |  | 20,446 | ​ |  | 1,242 | ​ |  | 855,344 | ​ |  | 771 | ​ |  | 14,713 | ​ |  | — | ​ |  | 890,503 | ​ |  | 2,013
Residential 1-4 Family - Revolving | ​ |  | 3,048 | ​ |  | 510 | ​ |  | 652,329 | ​ |  | 813 | ​ |  | 4,127 | ​ |  | — | ​ |  | 659,504 | ​ |  | 1,323
Auto | ​ |  | 563 | ​ |  | 221 | ​ |  | 349,852 | ​ |  | 1,232 | ​ |  | 4 | ​ |  | — | ​ |  | 350,419 | ​ |  | 1,453
Consumer and all other(1) | ​ |  | 730 | ​ |  | 76 | ​ |  | 658,390 | ​ |  | 7,608 | ​ |  | 1,012 | ​ |  | — | ​ |  | 660,132 | ​ |  | 7,684
Total loans held for investment, net | ​ | $ | 59,123 | ​ | $ | 3,027 | ​ | $ | 12,465,132 | ​ | $ | 39,050 | ​ | $ | 86,681 | ​ | $ | 217 | ​ | $ | 12,610,936 | ​ | $ | 42,294
(1) | Consumer and Other Commercial are grouped together as Consumer and all other for reporting purposes.
​ ​ ​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | December 31, 2018
​ | ​ | Loans individually | ​ | Loans collectively | ​ | Loans acquired with | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | evaluated for | ​ | evaluated for | ​ | deteriorated credit | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | impairment | ​ | impairment | ​ | 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 | ​ |  | 5,498 | ​ |  | 89 | ​ |  | 621,320 | ​ |  | 1,603 | ​ |  | 13,601 | ​ |  | — | ​ |  | 640,419 | ​ |  | 1,692
Residential 1-4 Family - Consumer | ​ |  | 16,031 | ​ |  | 470 | ​ |  | 641,006 | ​ |  | 1,022 | ​ |  | 16,872 | ​ |  | — | ​ |  | 673,909 | ​ |  | 1,492
Residential 1-4 Family - Revolving | ​ |  | 1,874 | ​ |  | 188 | ​ |  | 606,394 | ​ |  | 1,109 | ​ |  | 5,115 | ​ |  | — | ​ |  | 613,383 | ​ |  | 1,297
Auto | ​ |  | 576 | ​ |  | 231 | ​ |  | 301,360 | ​ |  | 1,212 | ​ |  | 7 | ​ |  | — | ​ |  | 301,943 | ​ |  | 1,443
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.
​ The Company uses a risk rating system and past due status as the primary credit quality indicators for the loan categories. The risk rating system on a scale of 0 through 9 is used to determine risk level as used in the calculation of the allowance for loan losses; on those loans without a risk rating, the Company uses past due status to determine risk level. The risk levels, as described below, do not necessarily follow the regulatory definitions of risk levels with the same name. A general description of the characteristics of the risk levels follows: Pass is determined by the following criteria:
| ● | Risk rated 0 loans have little or no risk and are with General Obligation Municipal Borrowers;
| ● | Risk rated 1 loans have little or no risk and are generally secured by cash or cash equivalents;
| ● | Risk rated 2 loans have minimal risk to well qualified borrowers and no significant questions as to safety;
| ● | Risk rated 3 loans are satisfactory loans with strong borrowers and secondary sources of repayment;
| ● | Risk rated 4 loans are satisfactory loans with borrowers not as strong as risk rated 3 loans and may exhibit a greater degree of financial risk based on the type of business supporting the loan; or
| ● | Loans that are not risk rated but that are 0 to 29 days past due.
Watch & Special Mention is determined by the following criteria:
| ● | Risk rated 5 loans are watch loans that warrant more than the normal level of supervision and have the possibility of an event occurring that may weaken the borrower’s ability to repay;
| ● | Risk rated 6 loans have increasing potential weaknesses beyond those at which the loan originally was granted and if not addressed could lead to inadequately protecting the Company’s credit position; or
| ● | Loans that are not risk rated but that are 30 to 89 days past due.
Substandard is determined by the following criteria:
| ● | Risk rated 7 loans are substandard loans and are inadequately protected by the current sound worth or paying capacity of the obligor or the collateral pledged; these have well defined weaknesses that jeopardize the liquidation of the debt with the distinct possibility the Company will sustain some loss if the deficiencies are not corrected; or
| ● | Loans that are not risk rated but that are 90 to 149 days past due.
Doubtful is determined by the following criteria:
| ● | Risk rated 8 loans are doubtful of collection and the possibility of loss is high but pending specific borrower plans for recovery, its classification as a loss is deferred until its more exact status is determined;
| ● | Risk rated 9 loans are loss loans which are considered uncollectable and of such little value that their continuance as bankable assets is not warranted; or
| ● | Loans that are not risk rated but that are over 149 days past due.
The following table shows the recorded investment in all loans, excluding PCI loans, by segment with their related risk level as of December 31, 2019 (dollars in thousands):
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ |  | Pass |  | Watch & Special Mention |  | Substandard |  | Doubtful |  | Total
Construction and Land Development | ​ | $ | 1,197,066 | ​ | $ | 37,182 | ​ | $ | 5,732 | ​ | $ | — | ​ | $ | 1,239,980
Commercial Real Estate - Owner Occupied | ​ |  | 1,916,492 | ​ |  | 87,004 | ​ |  | 10,309 | ​ |  | — | ​ |  | 2,013,805
Commercial Real Estate - Non-Owner Occupied | ​ |  | 3,205,463 | ​ |  | 62,368 | ​ |  | 3,608 | ​ |  | 94 | ​ |  | 3,271,533
Multifamily Real Estate | ​ |  | 613,844 | ​ |  | 19,396 | ​ |  | 409 | ​ |  | — | ​ |  | 633,649
Commercial & Industrial | ​ |  | 2,043,903 | ​ |  | 60,495 | ​ |  | 8,048 | ​ |  | 8 | ​ |  | 2,112,454
Residential 1-4 Family - Commercial | ​ |  | 680,894 | ​ |  | 24,864 | ​ |  | 6,374 | ​ |  | — | ​ |  | 712,132
Residential 1-4 Family - Consumer | ​ |  | 841,408 | ​ |  | 13,592 | ​ |  | 20,534 | ​ |  | 256 | ​ |  | 875,790
Residential 1-4 Family - Revolving | ​ |  | 641,069 | ​ |  | 6,373 | ​ |  | 7,935 | ​ |  | — | ​ |  | 655,377
Auto | ​ |  | 345,960 | ​ |  | 2,630 | ​ |  | 1,825 | ​ |  | — | ​ |  | 350,415
Consumer | ​ |  | 371,315 | ​ |  | 550 | ​ |  | 320 | ​ |  | — | ​ |  | 372,185
Other Commercial | ​ | ​ | 284,914 | ​ | ​ | 1,863 | ​ | ​ | 158 | ​ | ​ | — | ​ | ​ | 286,935
Total | ​ | $ | 12,142,328 | ​ | $ | 316,317 | ​ | $ | 65,252 | ​ | $ | 358 | ​ | $ | 12,524,255
​ 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 | ​ |  | 606,955 | ​ |  | 14,876 | ​ |  | 4,987 | ​ |  | — | ​ |  | 626,818
Residential 1-4 Family - Consumer | ​ |  | 624,346 | ​ |  | 17,065 | ​ |  | 15,626 | ​ |  | — | ​ |  | 657,037
Residential 1-4 Family - Revolving | ​ |  | 598,444 | ​ |  | 6,316 | ​ |  | 3,508 | ​ |  | — | ​ |  | 608,268
Auto | ​ |  | 296,907 | ​ |  | 3,590 | ​ |  | 1,439 | ​ |  | — | ​ |  | 301,936
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
​ The following table shows the recorded investment in only PCI loans by segment with their related risk level as of December 31, 2019 (dollars in thousands):
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ |  | Pass |  | Watch & Special Mention |  | Substandard |  | Doubtful |  | Total
Construction and Land Development | ​ | $ | 1,092 | ​ | $ | 3,692 | ​ | $ | 6,160 | ​ | $ | — | ​ | $ | 10,944
Commercial Real Estate - Owner Occupied | ​ |  | 8,264 | ​ |  | 10,524 | ​ |  | 8,650 | ​ |  | — | ​ |  | 27,438
Commercial Real Estate - Non-Owner Occupied | ​ |  | 3,826 | ​ |  | 9,415 | ​ |  | 1,324 | ​ |  | — | ​ |  | 14,565
Multifamily Real Estate | ​ |  | — | ​ |  | 94 | ​ |  | — | ​ |  | — | ​ |  | 94
Commercial & Industrial | ​ |  | 127 | ​ |  | 25 | ​ |  | 1,427 | ​ |  | — | ​ |  | 1,579
Residential 1-4 Family - Commercial | ​ |  | 6,000 | ​ |  | 2,693 | ​ |  | 3,512 | ​ |  | — | ​ |  | 12,205
Residential 1-4 Family - Consumer | ​ |  | 9,947 | ​ |  | 557 | ​ |  | 4,209 | ​ |  | — | ​ |  | 14,713
Residential 1-4 Family - Revolving | ​ |  | 2,887 | ​ |  | 707 | ​ |  | 533 | ​ |  | — | ​ |  | 4,127
Auto | ​ |  | 2 | ​ |  | — | ​ |  | 2 | ​ |  | — | ​ |  | 4
Consumer | ​ |  | 657 | ​ |  | — | ​ |  | 11 | ​ |  | — | ​ |  | 668
Other Commercial | ​ | ​ | 120 | ​ | ​ | 224 | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 344
Total | ​ | $ | 32,922 | ​ | $ | 27,931 | ​ | $ | 25,828 | ​ | $ | — | ​ | $ | 86,681
​ ​ ​ ​ ​ 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 | ​ |  | 6,476 | ​ |  | 2,771 | ​ |  | 4,354 | ​ |  | — | ​ |  | 13,601
Residential 1-4 Family - Consumer | ​ |  | 9,930 | ​ |  | 1,030 | ​ |  | 5,912 | ​ |  | — | ​ |  | 16,872
Residential 1-4 Family - Revolving | ​ |  | 3,438 | ​ |  | 1,031 | ​ |  | 646 | ​ |  | — | ​ |  | 5,115
Auto | ​ | ​ | 7 | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 7
Consumer | ​ |  | 17 | ​ |  | — | ​ |  | 15 | ​ |  | — | ​ |  | 32
Other Commercial | ​ | ​ | 57 | ​ | ​ | 660 | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 717
Total | ​ | $ | 35,658 | ​ | $ | 21,699 | ​ | $ | 32,864 | ​ | $ | — | ​ | $ | 90,221
​ Loans acquired are originally recorded at fair value, with certain loans being identified as impaired at the date of purchase. The fair values were determined based on the credit quality of the portfolio, expected future cash flows, and timing of those expected future cash flows. 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 Year Ended December 31,
​ |  | 2019 |  | 2018
Balance at beginning of period | ​ | $ | 31,201 | ​ | $ | 14,563
Additions | ​ |  | 5,060 | ​ |  | 12,225
Accretion | ​ |  | (13,432) | ​ |  | (8,654)
Reclass of nonaccretable difference due to improvement in expected cash flows | ​ |  | 4,485 | ​ |  | 1,876
Measurement period adjustment | ​ |  | 631 | ​ |  | 3,974
Other, net (1) | ​ |  | 3,329 | ​ |  | 7,217
Balance at end of period | ​ | $ | 31,274 | ​ | $ | 31,201
(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 year.
The carrying value of the Company’s PCI loan portfolio, accounted for under ASC 310-30, totaled $86.7 million at December 31, 2019 and $90.2 million at December 31, 2018. The outstanding balance of the Company’s PCI loan portfolio totaled $104.9 million at December 31, 2019 and $113.5 million at December 31, 2018. The carrying value of the Company’s acquired performing loan portfolio, accounted for under ASC 310-20, Receivables – Nonrefundable Fees and Other Costs, totaled $3.0 billion and $2.0 billion at December 31, 2019 and 2018, respectively; the remaining discount on these loans totaled $50.1 million and $30.3 million, respectively.

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- Definition The entire disclosure for claims held for amounts due a entity, excluding financing receivables. Examples include, but are not limited to, trade accounts receivables, notes receivables, loans receivables. Includes disclosure for allowance for credit losses. + References Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef -Publisher FASB -Name Accounting Standards Codification -Topic 310 -SubTopic 10 -URI http://asc.fasb.org/subtopic&trid=2196772 + Details
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