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LOANS AND ALLOWANCE FOR LOAN LOSSES | 12 Months Ended
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Dec. 31, 2020
Loans and Allowance for Loan Losses [Abstract] |
LOANS AND ALLOWANCE FOR LOAN LOSSES | 4. LOANS AND ALLOWANCE FOR LOAN AND LEASE LOSSES On January 1, 2020, the Company adopted ASC 326. The measurement of expected credit losses under the CECL methodology is applicable to financial assets measured at amortized cost, including loan receivables. For further discussion on the Company’s accounting policies and policy elections related to the accounting standard update refer to Note 1 “Summary of Significant Accounting Policies” in this Form 10-K. All loan information presented as of December 31, 2020 is in accordance with ASC 326. All loan information presented prior to January 1, 2020 is in accordance with previous applicable GAAP. ​ During March 2020, the United States President declared a national emergency in response to COVID-19. The CARES Act was passed by the U.S. Congress and the March 22 Joint Guidance was issued, both in March of 2020, and both provided enhanced guidelines and accounting for COVID-19 related modifications, as well as provided relief for TDR designations and also provided guidance on past due reporting for modified loans. On December 27, 2020, certain provisions of the CARES Act were extended as a result of the CAA. For further discussion on the CARES Act, as amended by the CAA, and the March 22 Joint Guidance and related loan impact refer to Note 1 “Summary of Significant Accounting Polices” in this Form 10-K. The information included below reflects the impact of the CARES Act, as amended by the CAA, and the March 22 Joint Guidance. ​ Loans are stated at their face amount, net of deferred fees and costs, and consist of the following at December 31, 2020 and 2019 (dollars in thousands): ​
​ | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | 2020 |  | 2019
Construction and Land Development | ​ | $ | 925,798 | ​ | $ | 1,250,924
Commercial Real Estate - Owner Occupied | ​ |  | 2,128,909 | ​ |  | 2,041,243
Commercial Real Estate - Non-Owner Occupied | ​ |  | 3,657,562 | ​ |  | 3,286,098
Multifamily Real Estate | ​ |  | 814,745 | ​ |  | 633,743
Commercial & Industrial(1) | ​ |  | 3,263,460 | ​ |  | 2,114,033
Residential 1-4 Family - Commercial | ​ |  | 671,949 | ​ |  | 724,337
Residential 1-4 Family - Consumer | ​ |  | 822,866 | ​ |  | 890,503
Residential 1-4 Family - Revolving | ​ |  | 596,996 | ​ |  | 659,504
Auto | ​ |  | 401,324 | ​ |  | 350,419
Consumer | ​ |  | 247,730 | ​ |  | 372,853
Other Commercial(1) | ​ |  | 489,975 | ​ |  | 287,279
Total loans held for investment, net of deferred fees and costs(2) | ​ | ​ | 14,021,314 | ​ | ​ | 12,610,936
Allowance for loan and lease losses | ​ | ​ | (160,540) | ​ | ​ | (42,294)
Total loans held for investment, net | ​ | $ | 13,860,774 | ​ | $ | 12,568,642
(1)Commercial & industrial and other commercial loans include approximately $1.2 billion and $11.3 million, respectively, in loans from the PPP loan program at December 31, 2020. (2)Total loans include unamortized premiums and discounts, and unamortized deferred fees and costs totaling $69.7 million and $69.8 million as of December 31, 2020 and December 31, 2019, respectively. The following table shows the aging of the Company’s loan portfolio, by class, at December 31, 2020 (dollars in thousands):
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ |  | ​ | ​ |  | ​ | ​ |  | ​ |  | Greater than |  | ​ | ​ |  | ​ | ​
​ | ​ | ​ | ​ | ​ | 30-59 Days | ​ | 60-89 Days | ​ | 90 Days and | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | Current | ​ | Past Due | ​ | Past Due | ​ | still Accruing | ​ | Nonaccrual | ​ | Total Loans
Construction and Land Development | ​ | $ | 920,276 | ​ | $ | 1,903 | ​ | $ | 547 | ​ | $ | — | ​ | $ | 3,072 | ​ | $ | 925,798
Commercial Real Estate - Owner Occupied | ​ |  | 2,114,804 | ​ |  | 1,870 | ​ |  | 1,380 | ​ |  | 3,727 | ​ |  | 7,128 | ​ |  | 2,128,909
Commercial Real Estate - Non-Owner Occupied | ​ |  | 3,651,232 | ​ |  | 2,144 | ​ |  | 1,721 | ​ |  | 148 | ​ |  | 2,317 | ​ |  | 3,657,562
Multifamily Real Estate | ​ |  | 814,095 | ​ |  | 617 | ​ |  | — | ​ |  | — | ​ |  | 33 | ​ |  | 814,745
Commercial & Industrial | ​ |  | 3,257,201 | ​ |  | 1,848 | ​ |  | 1,190 | ​ |  | 1,114 | ​ |  | 2,107 | ​ |  | 3,263,460
Residential 1-4 Family - Commercial | ​ |  | 657,351 | ​ |  | 2,227 | ​ |  | 818 | ​ |  | 1,560 | ​ |  | 9,993 | ​ |  | 671,949
Residential 1-4 Family - Consumer | ​ |  | 792,852 | ​ |  | 10,182 | ​ |  | 1,533 | ​ |  | 5,699 | ​ |  | 12,600 | ​ |  | 822,866
Residential 1-4 Family - Revolving | ​ |  | 587,522 | ​ |  | 2,975 | ​ |  | 1,044 | ​ |  | 826 | ​ |  | 4,629 | ​ |  | 596,996
Auto | ​ |  | 398,206 | ​ |  | 2,076 | ​ |  | 376 | ​ |  | 166 | ​ |  | 500 | ​ |  | 401,324
Consumer | ​ |  | 245,551 | ​ |  | 1,166 | ​ |  | 550 | ​ |  | 394 | ​ |  | 69 | ​ |  | 247,730
Other Commercial | ​ | ​ | 489,959 | ​ | ​ | 16 | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 489,975
Total loans held for investment | ​ | $ | 13,929,049 | ​ | $ | 27,024 | ​ | $ | 9,159 | ​ | $ | 13,634 | ​ | $ | 42,448 | ​ | $ | 14,021,314
​ The following table shows the Company’s amortized cost basis of loans on nonaccrual status as of January 1, 2020 as well as amortized cost basis of loans on nonaccrual status and loans past due 90 days and still accruing as of December 31, 2020 (dollars in thousands): ​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | Nonaccrual | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | January 1, 2020 | ​ | December 31, 2020 | ​ | Nonaccrual With No ALLL | ​ | 90 Days and still Accruing
Construction and Land Development | ​ | $ | 4,060 | ​ | $ | 3,072 | ​ | $ | 1,985 | ​ | $ | —
Commercial Real Estate - Owner Occupied | ​ | ​ | 13,889 | ​ | ​ | 7,128 | ​ | ​ | 1,994 | ​ | ​ | 3,727
Commercial Real Estate - Non-Owner Occupied | ​ | ​ | 1,368 | ​ | ​ | 2,317 | ​ | ​ | — | ​ | ​ | 148
Multifamily Real Estate | ​ | ​ | — | ​ | ​ | 33 | ​ | ​ | — | ​ | ​ | —
Commercial & Industrial | ​ | ​ | 3,037 | ​ | ​ | 2,107 | ​ | ​ | 1 | ​ | ​ | 1,114
Residential 1-4 Family - Commercial | ​ | ​ | 6,492 | ​ | ​ | 9,993 | ​ | ​ | 6,388 | ​ | ​ | 1,560
Residential 1-4 Family - Consumer | ​ | ​ | 13,117 | ​ | ​ | 12,600 | ​ | ​ | 1,069 | ​ | ​ | 5,699
Residential 1-4 Family - Revolving | ​ | ​ | 2,490 | ​ | ​ | 4,629 | ​ | ​ | 60 | ​ | ​ | 826
Auto | ​ | ​ | 565 | ​ | ​ | 500 | ​ | ​ | — | ​ | ​ | 166
Consumer | ​ | ​ | 88 | ​ | ​ | 69 | ​ | ​ | — | ​ | ​ | 394
Other Commercial | ​ | ​ | 98 | ​ | ​ | — | ​ | ​ | — | ​ | ​ | —
Total loans held for investment | ​ | $ | 45,204 | ​ | $ | 42,448 | ​ | $ | 11,497 | ​ | $ | 13,634
​ There was no interest income recognized on nonaccrual loans during the year ended December 31, 2020. See Note 1 “Summary of Significant Accounting Policies” for additional information on the Company’s policies for nonaccrual loans. ​ Troubled Debt Restructurings ​ The CARES Act, as amended by the CAA, permits financial institutions to suspend requirements under GAAP for loan modifications to borrowers affected by COVID-19 that would otherwise be characterized as TDRs and suspend any determination related thereto if (i) the loan modification is made between March 1, 2020 and the earlier of January 1, 2022 or 60 days after the end of the COVID-19 emergency declaration and (ii) the applicable loan was not more than 30 days past due as of December 31, 2019. In addition, federal bank regulatory authorities have issued guidance to encourage financial institutions to make loan modifications for borrowers affected by COVID-19 and have assured financial institutions that they will neither receive supervisory criticism for such prudent loan modifications, nor be required by examiners to automatically categorize COVID-19-related loan modifications as TDRs. As of December 31, 2020, the Company had approximately $146.1 million in loans still under their modified terms. The Company’s modification program primarily included payment deferrals and interest only modifications. In addition to the above mentioned modifications, as of December 31, 2020, the Company has TDRs totaling $20.6 million with an estimated $1.6 million of allowance for those loans for the current period. ​ 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 credit losses in accordance with the Company’s ALLL methodology. For the year ended December 31, 2020, the recorded investment in TDRs prior to modifications was not materially impacted by the modifications. ​ The following table provides a summary, by class, 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 December 31, 2020 (dollars in thousands): ​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | December 31, 2020
​ |  | No. of |  | Recorded |  | Outstanding
​ | ​ | Loans | ​ | Investment | ​ | Commitment
Performing |  |  |  | ​ |  |  | ​ |
Construction and Land Development |  | 4 | ​ | $ | 215 | ​ | $ | —
Commercial Real Estate - Owner Occupied |  | 6 | ​ |  | 2,033 | ​ |  | 176
Commercial Real Estate - Non-Owner Occupied |  | 1 | ​ |  | 1,089 | ​ |  | —
Commercial & Industrial |  | 4 | ​ |  | 727 | ​ |  | —
Residential 1-4 Family - Commercial |  | 3 | ​ |  | 245 | ​ |  | —
Residential 1-4 Family - Consumer |  | 77 | ​ |  | 8,943 | ​ |  | —
Residential 1-4 Family - Revolving |  | 3 | ​ |  | 277 | ​ |  | —
Consumer |  | 3 | ​ |  | 22 | ​ |  | —
Other Commercial | ​ | 1 | ​ | ​ | 410 | ​ | ​ | —
Total performing |  | 102 | ​ | $ | 13,961 | ​ | $ | 176
Nonperforming |  |  | ​ |  |  | ​ |  |
Commercial Real Estate - Owner Occupied |  | 1 | ​ | $ | 20 | ​ | $ | —
Commercial Real Estate - Non-Owner Occupied | ​ | 1 | ​ | ​ | 134 | ​ | ​ | —
Commercial & Industrial |  | 3 | ​ |  | 237 | ​ |  | —
Residential 1-4 Family - Commercial |  | 4 | ​ |  | 1,296 | ​ |  | —
Residential 1-4 Family - Consumer |  | 23 | ​ |  | 4,865 | ​ |  | —
Residential 1-4 Family - Revolving |  | 3 | ​ |  | 103 | ​ |  | —
Total nonperforming |  | 35 | ​ | $ | 6,655 | ​ | $ | —
Total performing and nonperforming |  | 137 | ​ | $ | 20,616 | ​ | $ | 176
​ 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 year ended December 31, 2020, 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 class and modification type, TDRs that occurred during the year ended December 31, 2020 (dollars in thousands): ​
​ | ​ | ​ | ​ | ​ | ​
​ | ​ | All Restructurings
​ | ​ | 2020
​ |  | ​ |  | Recorded
​ | ​ | No. of | ​ | Investment at
​ | ​ | Loans | ​ | Period End
Modified to interest only, at a market rate |  |  |  | ​ |
Residential 1-4 Family - Commercial | ​ | 1 | ​ | $ | 644
Total interest only at market rate of interest |  | 1 | ​ | $ | 644
​ | ​ | ​ | ​ | ​ | ​
Term modification, at a market rate |  |  | ​ |  |
Commercial & Industrial |  | 3 | ​ | $ | 103
Residential 1-4 Family - Commercial |  | 1 | ​ | ​ | 294
Residential 1-4 Family - Consumer |  | 4 | ​ |  | 320
Consumer | ​ | 1 | ​ | ​ | 9
Total loan term extended at a market rate |  | 9 | ​ | $ | 726
​ | ​ | ​ | ​ | ​ | ​
Term modification, below market rate |  |  | ​ |  |
Construction and Land Development | ​ | 1 | ​ | $ | 34
Commercial & Industrial |  | 2 | ​ |  | 355
Residential 1-4 Family - Commercial | ​ | 1 | ​ | ​ | 287
Residential 1-4 Family - Consumer |  | 18 | ​ | ​ | 2,519
Residential 1-4 Family - Revolving |  | 2 | ​ |  | 275
Total loan term extended at a below market rate |  | 24 | ​ | $ | 3,470
​ | ​ | ​ | ​ | ​ | ​
Interest rate modification, below market rate |  |  | ​ |  |
Total interest only at below market rate of interest |  | — | ​ | $ | —
​ | ​ | ​ | ​ | ​ | ​
Total |  | 34 | ​ | $ | 4,840
​ ​ ​ Allowance for Loan and Lease Losses ​ ALLL on the loan portfolio is a material estimate for the Company. The Company estimates its ALLL on its loan portfolio on a quarterly basis. The Company models the ALLL using two primary segments, Commercial and Consumer. Within each segment, loan classes are further identified based on similar risk characteristics. The Company has identified the following classes within each segment:
| ● | Commercial: Construction and Land Development, Commercial Real Estate – Owner Occupied, Commercial Real Estate – Non-Owner Occupied, Multifamily Real Estate, Commercial & Industrial, Residential 1-4 Family – Commercial, and Other Commercial
| ● | Consumer: Residential 1-4 Family – Consumer, Residential 1-4 Family – Revolving, Auto, and Consumer
​ The following tables show the ALLL activity by segment for the year ended December 31, 2020 (dollars in thousands): ​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | ​ |  | ​ | ​
​ | ​ | ​ | ​ | ​ | ​ | ​ |  | ​ | ​
​ |  | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | Year Ended December 31, 2020
​ | ​ | Commercial | ​ | Consumer | ​ | Total
Balance at beginning of period | ​ | $ | 30,941 | ​ | $ | 11,353 | ​ | $ | 42,294
Impact of ASC 326 adoption on non-PCD loans | ​ |  | 4,432 | ​ |  | 40,666 | ​ |  | 45,098
Impact of ASC 326 adoption on PCD loans | ​ |  | 1,752 | ​ |  | 634 | ​ |  | 2,386
Impact of adopting ASC 326 | ​ |  | 6,184 | ​ |  | 41,300 | ​ |  | 47,484
Loans charged-off | ​ |  | (6,671) | ​ |  | (11,522) | ​ |  | (18,193)
Recoveries credited to allowance | ​ |  | 3,517 | ​ |  | 3,238 | ​ |  | 6,755
Provision charged to operations | ​ |  | 83,432 | ​ |  | (1,232) | ​ |  | 82,200
Balance at end of period | ​ | $ | 117,403 | ​ | $ | 43,137 | ​ | $ | 160,540
​ ​ Credit Quality Indicators ​ Credit quality indicators are utilized to help estimate the collectability of each loan class within the Commercial and Consumer segments. For classes of loans within the Commercial segment, the primary credit quality indicator used for evaluating credit quality and estimating the ALLL is risk rating categories of Pass, Watch, Special Mention, Substandard, and Doubtful. For classes of loans within the Consumer segment, the primary credit quality indicator used for evaluating credit quality and estimating the ALLL is delinquency bands of Current, 30-59, 60-89, 90+, and Nonaccrual. While other credit quality indicators are evaluated and analyzed as part of the Company’s credit risk management activities, these indicators are primarily used in estimating the ALLL. The Company evaluates the credit risk of its loan portfolio on at least a quarterly basis. ​ Commercial Loans ​ The Company uses a risk rating system as the primary credit quality indicator for classes of loans within the Commercial segment. 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 credit loss. 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.
​ ​ ​ Watch 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;
​ Special Mention
| ● | 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.
​ 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.
​ 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.
​ The table below details the amortized cost of the classes of loans within the Commercial segment by risk level and year of origination as of December 31, 2020 (dollars in thousands): ​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | ​ | December 31, 2020
​ | ​ | ​ | Term Loans Amortized Cost Basis by Origination Year | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | 2020 | ​ | 2019 | ​ | 2018 | ​ | 2017 | ​ | 2016 | ​ | Prior | ​ | Revolving Loans | ​ | Total
Construction and Land Development | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Pass | ​ | $ | 316,585 | ​ | $ | 277,142 | ​ | $ | 116,800 | ​ | $ | 24,770 | ​ | $ | 42,970 | ​ | $ | 54,023 | ​ | $ | 23,324 | ​ | $ | 855,614
Watch | ​ | ​ | 1,873 | ​ | ​ | 18,181 | ​ | ​ | 8,434 | ​ | ​ | 344 | ​ | ​ | 2,355 | ​ | ​ | 6,372 | ​ | ​ | 412 | ​ | ​ | 37,971
Special Mention | ​ | ​ | — | ​ | ​ | 5,532 | ​ | ​ | 135 | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 2,655 | ​ | ​ | — | ​ | ​ | 8,322
Substandard | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 17,780 | ​ | ​ | 64 | ​ | ​ | 2,037 | ​ | ​ | 4,010 | ​ | ​ | — | ​ | ​ | 23,891
Total Construction and Land Development | ​ | $ | 318,458 | ​ | $ | 300,855 | ​ | $ | 143,149 | ​ | $ | 25,178 | ​ | $ | 47,362 | ​ | $ | 67,060 | ​ | $ | 23,736 | ​ | $ | 925,798
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Commercial Real Estate - Owner Occupied | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Pass | ​ | $ | 286,522 | ​ | $ | 375,541 | ​ | $ | 300,583 | ​ | $ | 233,359 | ​ | $ | 128,261 | ​ | $ | 570,361 | ​ | $ | 18,838 | ​ | $ | 1,913,465
Watch | ​ | ​ | 1,942 | ​ | ​ | 14,611 | ​ | ​ | 22,224 | ​ | ​ | 15,623 | ​ | ​ | 24,979 | ​ | ​ | 41,361 | ​ | ​ | 1,648 | ​ | ​ | 122,388
Special Mention | ​ | ​ | 988 | ​ | ​ | 6,052 | ​ | ​ | 5,749 | ​ | ​ | 4,198 | ​ | ​ | 9,907 | ​ | ​ | 30,455 | ​ | ​ | 1,121 | ​ | ​ | 58,470
Substandard | ​ | ​ | — | ​ | ​ | 4,858 | ​ | ​ | 5,159 | ​ | ​ | 914 | ​ | ​ | 1,555 | ​ | ​ | 21,101 | ​ | ​ | 999 | ​ | ​ | 34,586
Total Commercial Real Estate - Owner Occupied | ​ | $ | 289,452 | ​ | $ | 401,062 | ​ | $ | 333,715 | ​ | $ | 254,094 | ​ | $ | 164,702 | ​ | $ | 663,278 | ​ | $ | 22,606 | ​ | $ | 2,128,909
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Commercial Real Estate - Non-Owner Occupied | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Pass | ​ | $ | 381,849 | ​ | $ | 455,427 | ​ | $ | 433,183 | ​ | $ | 403,677 | ​ | $ | 336,630 | ​ | $ | 850,035 | ​ | $ | 30,421 | ​ | $ | 2,891,222
Watch | ​ | ​ | 28,354 | ​ | ​ | 142,279 | ​ | ​ | 76,838 | ​ | ​ | 59,451 | ​ | ​ | 79,533 | ​ | ​ | 224,944 | ​ | ​ | 16,870 | ​ | ​ | 628,269
Special Mention | ​ | ​ | 702 | ​ | ​ | 11,072 | ​ | ​ | 34,905 | ​ | ​ | 18,073 | ​ | ​ | 40,771 | ​ | ​ | 11,211 | ​ | ​ | 723 | ​ | ​ | 117,457
Substandard | ​ | ​ | 246 | ​ | ​ | — | ​ | ​ | 13,357 | ​ | ​ | — | ​ | ​ | 25 | ​ | ​ | 6,986 | ​ | ​ | — | ​ | ​ | 20,614
Total Commercial Real Estate - Non-Owner Occupied | ​ | $ | 411,151 | ​ | $ | 608,778 | ​ | $ | 558,283 | ​ | $ | 481,201 | ​ | $ | 456,959 | ​ | $ | 1,093,176 | ​ | $ | 48,014 | ​ | $ | 3,657,562
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Commercial & Industrial | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Pass | ​ | $ | 1,730,876 | ​ | $ | 350,618 | ​ | $ | 199,489 | ​ | $ | 67,035 | ​ | $ | 71,799 | ​ | $ | 140,461 | ​ | $ | 590,701 | ​ | $ | 3,150,979
Watch | ​ | ​ | 4,872 | ​ | ​ | 32,028 | ​ | ​ | 13,073 | ​ | ​ | 6,500 | ​ | ​ | 3,182 | ​ | ​ | 4,906 | ​ | ​ | 19,972 | ​ | ​ | 84,533
Special Mention | ​ | ​ | 1,009 | ​ | ​ | 2,178 | ​ | ​ | 3,890 | ​ | ​ | 1,150 | ​ | ​ | 724 | ​ | ​ | 1,234 | ​ | ​ | 4,755 | ​ | ​ | 14,940
Substandard | ​ | ​ | 534 | ​ | ​ | 4,269 | ​ | ​ | 1,274 | ​ | ​ | 309 | ​ | ​ | 560 | ​ | ​ | 2,676 | ​ | ​ | 3,386 | ​ | ​ | 13,008
Total Commercial & Industrial | ​ | $ | 1,737,291 | ​ | $ | 389,093 | ​ | $ | 217,726 | ​ | $ | 74,994 | ​ | $ | 76,265 | ​ | $ | 149,277 | ​ | $ | 618,814 | ​ | $ | 3,263,460
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Multifamily Real Estate | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Pass | ​ | $ | 144,805 | ​ | $ | 85,740 | ​ | $ | 150,724 | ​ | $ | 117,881 | ​ | $ | 67,984 | ​ | $ | 231,113 | ​ | $ | 2,311 | ​ | $ | 800,558
Watch | ​ | ​ | — | ​ | ​ | 5,074 | ​ | ​ | 475 | ​ | ​ | — | ​ | ​ | 617 | ​ | ​ | 560 | ​ | ​ | — | ​ | ​ | 6,726
Special Mention | ​ | ​ | 2,280 | ​ | ​ | — | ​ | ​ | 4,388 | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 760 | ​ | ​ | — | ​ | ​ | 7,428
Substandard | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 33 | ​ | ​ | — | ​ | ​ | 33
Total Multifamily Real Estate | ​ | $ | 147,085 | ​ | $ | 90,814 | ​ | $ | 155,587 | ​ | $ | 117,881 | ​ | $ | 68,601 | ​ | $ | 232,466 | ​ | $ | 2,311 | ​ | $ | 814,745
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Residential 1-4 Family - Commercial | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Pass | ​ | $ | 104,630 | ​ | $ | 89,332 | ​ | $ | 70,310 | ​ | $ | 79,156 | ​ | $ | 68,915 | ​ | $ | 201,492 | ​ | $ | 2,236 | ​ | $ | 616,071
Watch | ​ | ​ | 666 | ​ | ​ | 6,665 | ​ | ​ | 8,252 | ​ | ​ | 4,141 | ​ | ​ | 4,067 | ​ | ​ | 9,307 | ​ | ​ | 195 | ​ | ​ | 33,293
Special Mention | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 601 | ​ | ​ | 663 | ​ | ​ | 468 | ​ | ​ | 5,923 | ​ | ​ | — | ​ | ​ | 7,655
Substandard | ​ | ​ | 644 | ​ | ​ | 793 | ​ | ​ | 4,913 | ​ | ​ | 1,995 | ​ | ​ | 986 | ​ | ​ | 5,111 | ​ | ​ | 488 | ​ | ​ | 14,930
Total Residential 1-4 Family - Commercial | ​ | $ | 105,940 | ​ | $ | 96,790 | ​ | $ | 84,076 | ​ | $ | 85,955 | ​ | $ | 74,436 | ​ | $ | 221,833 | ​ | $ | 2,919 | ​ | $ | 671,949
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Other Commercial | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Pass | ​ | $ | 223,490 | ​ | $ | 112,045 | ​ | $ | 9,549 | ​ | $ | 30,314 | ​ | $ | 16,494 | ​ | $ | 42,158 | ​ | $ | 44,180 | ​ | $ | 478,230
Watch | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 613 | ​ | ​ | 1,299 | ​ | ​ | 1,189 | ​ | ​ | 3,934 | ​ | ​ | — | ​ | ​ | 7,035
Special Mention | ​ | ​ | 10 | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 7 | ​ | ​ | — | ​ | ​ | 4,591 | ​ | ​ | 102 | ​ | ​ | 4,710
Total Other Commercial | ​ | $ | 223,500 | ​ | $ | 112,045 | ​ | $ | 10,162 | ​ | $ | 31,620 | ​ | $ | 17,683 | ​ | $ | 50,683 | ​ | $ | 44,282 | ​ | $ | 489,975
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Total Commercial | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Pass | ​ | $ | 3,188,757 | ​ | $ | 1,745,845 | ​ | $ | 1,280,638 | ​ | $ | 956,192 | ​ | $ | 733,053 | ​ | $ | 2,089,643 | ​ | $ | 712,011 | ​ | $ | 10,706,139
Watch | ​ | ​ | 37,707 | ​ | ​ | 218,838 | ​ | ​ | 129,909 | ​ | ​ | 87,358 | ​ | ​ | 115,922 | ​ | ​ | 291,384 | ​ | ​ | 39,097 | ​ | ​ | 920,215
Special Mention | ​ | ​ | 4,989 | ​ | ​ | 24,834 | ​ | ​ | 49,668 | ​ | ​ | 24,091 | ​ | ​ | 51,870 | ​ | ​ | 56,829 | ​ | ​ | 6,701 | ​ | ​ | 218,982
Substandard | ​ | ​ | 1,424 | ​ | ​ | 9,920 | ​ | ​ | 42,483 | ​ | ​ | 3,282 | ​ | ​ | 5,163 | ​ | ​ | 39,917 | ​ | ​ | 4,873 | ​ | ​ | 107,062
Total Commercial | ​ | $ | 3,232,877 | ​ | $ | 1,999,437 | ​ | $ | 1,502,698 | ​ | $ | 1,070,923 | ​ | $ | 906,008 | ​ | $ | 2,477,773 | ​ | $ | 762,682 | ​ | $ | 11,952,398
​ ​ Consumer Loans ​ For Consumer loans, the Company evaluates credit quality based on the delinquency status of the loan. The following table details the amortized cost of the classes of loans within the Consumer segment based on their delinquency status and year of origination as of December 31, 2020 (dollars in thousands): ​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | ​ | December 31, 2020
​ | ​ | ​ | Term Loans Amortized Cost Basis by Origination Year | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | 2020 | ​ | 2019 | ​ | 2018 | ​ | 2017 | ​ | 2016 | ​ | Prior | ​ | Revolving Loans | ​ | Total
Residential 1-4 Family - Consumer | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Current | ​ | $ | 213,763 | ​ | $ | 75,133 | ​ | $ | 64,299 | ​ | $ | 68,320 | ​ | $ | 102,123 | ​ | $ | 269,203 | ​ | $ | 11 | ​ | $ | 792,852
30-59 Days Past Due | ​ | ​ | 678 | ​ | ​ | 181 | ​ | ​ | 2,243 | ​ | ​ | 516 | ​ | ​ | 457 | ​ | ​ | 6,107 | ​ | ​ | — | ​ | ​ | 10,182
60-89 Days Past Due | ​ | ​ | 156 | ​ | ​ | — | ​ | ​ | 57 | ​ | ​ | 679 | ​ | ​ | — | ​ | ​ | 641 | ​ | ​ | — | ​ | ​ | 1,533
90+ Days Past Due | ​ | ​ | 608 | ​ | ​ | 1,696 | ​ | ​ | 23 | ​ | ​ | — | ​ | ​ | 1,246 | ​ | ​ | 2,126 | ​ | ​ | — | ​ | ​ | 5,699
Nonaccrual | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 696 | ​ | ​ | 851 | ​ | ​ | 887 | ​ | ​ | 10,166 | ​ | ​ | — | ​ | ​ | 12,600
Total Residential 1-4 Family - Consumer | ​ | $ | 215,205 | ​ | $ | 77,010 | ​ | $ | 67,318 | ​ | $ | 70,366 | ​ | $ | 104,713 | ​ | $ | 288,243 | ​ | $ | 11 | ​ | $ | 822,866
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Residential 1-4 Family - Revolving | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Current | ​ | $ | 13,217 | ​ | $ | 3,916 | ​ | $ | 1,593 | ​ | $ | 300 | ​ | $ | — | ​ | $ | 636 | ​ | $ | 567,860 | ​ | $ | 587,522
30-59 Days Past Due | ​ | ​ | 70 | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 2,905 | ​ | ​ | 2,975
60-89 Days Past Due | ​ | ​ | 53 | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 991 | ​ | ​ | 1,044
90+ Days Past Due | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 826 | ​ | ​ | 826
Nonaccrual | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 21 | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 227 | ​ | ​ | 4,381 | ​ | ​ | 4,629
Total Residential 1-4 Family - Revolving | ​ | $ | 13,340 | ​ | $ | 3,916 | ​ | $ | 1,614 | ​ | $ | 300 | ​ | $ | — | ​ | $ | 863 | ​ | $ | 576,963 | ​ | $ | 596,996
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Consumer | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Current | ​ | $ | 26,498 | ​ | $ | 68,208 | ​ | $ | 67,041 | ​ | $ | 22,464 | ​ | $ | 9,997 | ​ | $ | 15,893 | ​ | $ | 35,450 | ​ | $ | 245,551
30-59 Days Past Due | ​ | ​ | 35 | ​ | ​ | 252 | ​ | ​ | 504 | ​ | ​ | 98 | ​ | ​ | 15 | ​ | ​ | 143 | ​ | ​ | 119 | ​ | ​ | 1,166
60-89 Days Past Due | ​ | ​ | 28 | ​ | ​ | 176 | ​ | ​ | 317 | ​ | ​ | 23 | ​ | ​ | — | ​ | ​ | 3 | ​ | ​ | 3 | ​ | ​ | 550
90+ Days Past Due | ​ | ​ | 5 | ​ | ​ | 84 | ​ | ​ | 242 | ​ | ​ | 4 | ​ | ​ | — | ​ | ​ | 56 | ​ | ​ | 3 | ​ | ​ | 394
Nonaccrual | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 69 | ​ | ​ | — | ​ | ​ | 69
Total Consumer | ​ | $ | 26,566 | ​ | $ | 68,720 | ​ | $ | 68,104 | ​ | $ | 22,589 | ​ | $ | 10,012 | ​ | $ | 16,164 | ​ | $ | 35,575 | ​ | $ | 247,730
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Auto | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Current | ​ | $ | 171,051 | ​ | $ | 115,319 | ​ | $ | 55,886 | ​ | $ | 32,555 | ​ | $ | 17,081 | ​ | $ | 6,314 | ​ | $ | — | ​ | $ | 398,206
30-59 Days Past Due | ​ | ​ | 239 | ​ | ​ | 467 | ​ | ​ | 543 | ​ | ​ | 478 | ​ | ​ | 197 | ​ | ​ | 152 | ​ | ​ | — | ​ | ​ | 2,076
60-89 Days Past Due | ​ | ​ | 124 | ​ | ​ | 150 | ​ | ​ | — | ​ | ​ | 59 | ​ | ​ | 26 | ​ | ​ | 17 | ​ | ​ | — | ​ | ​ | 376
90+ Days Past Due | ​ | ​ | 6 | ​ | ​ | 23 | ​ | ​ | 53 | ​ | ​ | 58 | ​ | ​ | 15 | ​ | ​ | 11 | ​ | ​ | — | ​ | ​ | 166
Nonaccrual | ​ | ​ | 30 | ​ | ​ | 93 | ​ | ​ | 126 | ​ | ​ | 101 | ​ | ​ | 88 | ​ | ​ | 62 | ​ | ​ | — | ​ | ​ | 500
Total Auto | ​ | $ | 171,450 | ​ | $ | 116,052 | ​ | $ | 56,608 | ​ | $ | 33,251 | ​ | $ | 17,407 | ​ | $ | 6,556 | ​ | $ | — | ​ | $ | 401,324
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Total Consumer | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Current | ​ | $ | 424,529 | ​ | $ | 262,576 | ​ | $ | 188,819 | ​ | $ | 123,639 | ​ | $ | 129,201 | ​ | $ | 292,046 | ​ | $ | 603,321 | ​ | $ | 2,024,131
30-59 Days Past Due | ​ | ​ | 1,022 | ​ | ​ | 900 | ​ | ​ | 3,290 | ​ | ​ | 1,092 | ​ | ​ | 669 | ​ | ​ | 6,402 | ​ | ​ | 3,024 | ​ | ​ | 16,399
60-89 Days Past Due | ​ | ​ | 361 | ​ | ​ | 326 | ​ | ​ | 374 | ​ | ​ | 761 | ​ | ​ | 26 | ​ | ​ | 661 | ​ | ​ | 994 | ​ | ​ | 3,503
90+ Days Past Due | ​ | ​ | 619 | ​ | ​ | 1,803 | ​ | ​ | 318 | ​ | ​ | 62 | ​ | ​ | 1,261 | ​ | ​ | 2,193 | ​ | ​ | 829 | ​ | ​ | 7,085
Nonaccrual | ​ | ​ | 30 | ​ | ​ | 93 | ​ | ​ | 843 | ​ | ​ | 952 | ​ | ​ | 975 | ​ | ​ | 10,524 | ​ | ​ | 4,381 | ​ | ​ | 17,798
Total Consumer | ​ | $ | 426,561 | ​ | $ | 265,698 | ​ | $ | 193,644 | ​ | $ | 126,506 | ​ | $ | 132,132 | ​ | $ | 311,826 | ​ | $ | 612,549 | ​ | $ | 2,068,916
​ The Company did not have any material revolving loans convert to term during the year ended December 31, 2020. ​ Acquired Loans ​ The Company has purchased loans that, at the time of acquisition, exhibited more than insignificant credit deterioration since origination. The Company has elected to treat all loans that were previously identified as PCI as PCD. ​ Prior to the adoption of ASC 326 ​ The following table shows the aging of the Company’s loan portfolio, by class, 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
​ ​ Nonaccrual loans totaled $28.2 million and $27.0 million at December 31, 2019 and 2018, respectively. Had these loans performed in accordance with their original terms, interest income of approximately $1.8 million and $2.3 million would have been recorded in 2019 and 2018, respectively. All nonaccrual loans were included in the impaired loan disclosure in 2019 and 2018. ​ The following table shows the PCI loan portfolios, by class 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
​ ​ As of December 31, 2019, the Company measured 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 class at December 31, 2019 (dollars in thousands): ​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | December 31, 2019
​ |  | ​ | ​ |  | Unpaid |  | ​ | ​
​ | ​ | Recorded | ​ | Principal | ​ | Related
​ | ​ | Investment | ​ | Balance | ​ | Allowance
Loans without a specific allowance |  | ​ |  |  | ​ |  |  | ​ |
Construction and Land Development | ​ | $ | 5,877 | ​ | $ | 7,174 | ​ | $ | —
Commercial Real Estate - Owner Occupied | ​ |  | 8,801 | ​ |  | 9,296 | ​ |  | —
Commercial Real Estate - Non-Owner Occupied | ​ |  | 3,510 | ​ |  | 4,059 | ​ |  | —
Commercial & Industrial | ​ |  | 3,668 | ​ |  | 3,933 | ​ |  | —
Residential 1-4 Family - Commercial | ​ |  | 4,047 | ​ |  | 4,310 | ​ |  | —
Residential 1-4 Family - Consumer | ​ |  | 8,420 | ​ |  | 9,018 | ​ |  | —
Residential 1-4 Family - Revolving | ​ |  | 862 | ​ |  | 865 | ​ |  | —
Total impaired loans without a specific allowance | ​ | $ | 35,185 | ​ | $ | 38,655 | ​ | $ | —
Loans with a specific allowance | ​ |  |  | ​ |  |  | ​ |  |
Construction and Land Development | ​ | $ | 984 | ​ | $ | 1,032 | ​ | $ | 49
Commercial Real Estate - Owner Occupied | ​ |  | 2,820 | ​ |  | 3,093 | ​ |  | 146
Commercial Real Estate - Non-Owner Occupied | ​ |  | 335 | ​ |  | 383 | ​ |  | 2
Commercial & Industrial | ​ |  | 2,568 | ​ |  | 2,590 | ​ |  | 619
Residential 1-4 Family - Commercial | ​ |  | 1,726 | ​ |  | 1,819 | ​ |  | 162
Residential 1-4 Family - Consumer | ​ |  | 12,026 | ​ |  | 12,670 | ​ |  | 1,242
Residential 1-4 Family - Revolving | ​ |  | 2,186 | ​ |  | 2,369 | ​ |  | 510
Auto | ​ |  | 563 | ​ |  | 879 | ​ |  | 221
Consumer | ​ |  | 168 | ​ |  | 336 | ​ |  | 46
Other Commercial | ​ | ​ | 562 | ​ | ​ | 567 | ​ | ​ | 30
Total impaired loans with a specific allowance | ​ | $ | 23,938 | ​ | $ | 25,738 | ​ | $ | 3,027
Total impaired loans | ​ | $ | 59,123 | ​ | $ | 64,393 | ​ | $ | 3,027
​ ​ The following table shows the average recorded investment and interest income recognized for the Company’s impaired loans, excluding PCI loans, by class for the years ended December 31, 2019 and 2018 (dollars in thousands): ​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | December 31, 2019 | ​ | December 31, 2018
​ |  | ​ | ​ |  | Interest |  | ​ | ​ |  | Interest
​ | ​ | Average | ​ | Income | ​ | Average | ​ | Income
​ | ​ | Investment | ​ | Recognized | ​ | Investment | ​ | Recognized
Construction and Land Development | ​ | $ | 6,764 | ​ | $ | 110 | ​ | $ | 11,648 | ​ | $ | 234
Commercial Real Estate - Owner Occupied | ​ |  | 12,258 | ​ |  | 323 | ​ |  | 13,383 | ​ |  | 499
Commercial Real Estate - Non-Owner Occupied | ​ |  | 4,775 | ​ |  | 147 | ​ |  | 7,157 | ​ |  | 246
Commercial & Industrial | ​ |  | 6,438 | ​ |  | 293 | ​ |  | 4,672 | ​ |  | 232
Residential 1-4 Family - Commercial | ​ |  | 6,145 | ​ |  | 120 | ​ |  | 5,667 | ​ |  | 180
Residential 1-4 Family - Consumer | ​ |  | 20,963 | ​ |  | 308 | ​ |  | 16,977 | ​ |  | 236
Residential 1-4 Family - Revolving | ​ |  | 3,256 | ​ |  | 82 | ​ |  | 2,000 | ​ |  | 23
Auto | ​ |  | 788 | ​ |  | 15 | ​ |  | 824 | ​ |  | 20
Consumer | ​ |  | 187 | ​ |  | 5 | ​ |  | 263 | ​ |  | 5
Other Commercial | ​ | ​ | 584 | ​ | ​ | 22 | ​ | ​ | 486 | ​ | ​ | 27
Total impaired loans | ​ | $ | 62,158 | ​ | $ | 1,425 | ​ | $ | 63,077 | ​ | $ | 1,702
​ ​ At December 31, 2019, the Company considered 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. The following table provides a summary, by class, 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 in nonaccrual status, which are considered to be nonperforming, as of December 31, 2019 (dollars in thousands):
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | December 31, 2019
​ |  | No. of |  | Recorded |  | Outstanding
​ | ​ | Loans | ​ | Investment | ​ | Commitment
Performing |  |  |  | ​ |  |  | ​ |
Construction and Land Development |  | 4 | ​ | $ | 1,114 | ​ | $ | —
Commercial Real Estate - Owner Occupied |  | 6 | ​ |  | 2,228 | ​ |  | 26
Commercial Real Estate - Non-Owner Occupied |  | 1 | ​ |  | 1,089 | ​ |  | —
Commercial & Industrial |  | 4 | ​ |  | 1,020 | ​ |  | —
Residential 1-4 Family - Commercial |  | 5 | ​ |  | 290 | ​ |  | —
Residential 1-4 Family - Consumer |  | 69 | ​ |  | 9,396 | ​ |  | —
Residential 1-4 Family - Revolving |  | 2 | ​ |  | 56 | ​ |  | —
Consumer |  | 4 | ​ |  | 29 | ​ |  | —
Other Commercial | ​ | 1 | ​ | ​ | 464 | ​ | ​ | —
Total performing |  | 96 | ​ | $ | 15,686 | ​ | $ | 26
Nonperforming |  |  | ​ |  |  | ​ |  |
Commercial Real Estate - Owner Occupied |  | 2 | ​ | $ | 176 | ​ | $ | —
Commercial & Industrial |  | 1 | ​ |  | 55 | ​ |  | —
Residential 1-4 Family - Consumer |  | 19 | ​ |  | 3,522 | ​ |  | —
Residential 1-4 Family - Revolving |  | 2 | ​ |  | 57 | ​ |  | —
Total nonperforming |  | 24 | ​ | $ | 3,810 | ​ | $ | —
Total performing and nonperforming |  | 120 | ​ | $ | 19,496 | ​ | $ | 26
​ The Company considers a default of a TDR to occur when the borrower is 90 days past due following the restructuring or a foreclosure and repossession of the applicable collateral occurs. During the year ended December 31, 2019, 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 class and modification type, TDRs that occurred during the year ended December 31, 2019 (dollars in thousands): ​
​ | ​ | ​ | ​ | ​ | ​
​ | ​ | All Restructurings
​ | ​ | 2019
​ |  | ​ |  | Recorded
​ | ​ | No. of | ​ | Investment at
​ | ​ | 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 |  |  | ​ |  |
Commercial & Industrial | ​ | 1 | ​ | $ | 376
Residential 1-4 Family - Commercial |  | 1 | ​ | ​ | 72
Residential 1-4 Family - Consumer |  | 7 | ​ |  | 1,688
Consumer |  | 3 | ​ |  | 24
Total loan term extended at a market rate |  | 12 | ​ | $ | 2,160
​ | ​ | ​ | ​ | ​ | ​
Term modification, below market rate |  |  | ​ |  |
Construction and Land Development | ​ | 3 | ​ | $ | 193
Residential 1-4 Family - Consumer |  | 22 | ​ | ​ | 2,658
Consumer | ​ | 1 | ​ | ​ | 5
Total loan term extended at a below market rate |  | 26 | ​ | $ | 2,856
​ | ​ | ​ | ​ | ​ | ​
Total |  | 38 | ​ | $ | 5,016
​ | ​ | ​ | ​ | ​ | ​
​ Allowance for Loan and Lease Losses The following tables show the ALLL activity by class for the year ended December 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): ​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ ​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | 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 | ​ | credited to | ​ | charged | ​ | charged to | ​ | end of
​ | ​ | 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.
​ The following table shows the loan and ALLL balances based on impairment methodology by segment as of December 31, 2019 (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.
​ 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 class 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 only PCI loans by class 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
​ Acquired Loans Loans acquired were 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 year ended December 31, 2019 (dollars in thousands): ​
​ | ​ | ​ | ​
​ |  | 2019
Balance at beginning of period | ​ | $ | 31,201
Additions | ​ |  | 5,060
Accretion | ​ |  | (13,432)
Reclass of nonaccretable difference due to improvement in expected cash flows | ​ |  | 4,485
Measurement period adjustment | ​ |  | 631
Other, net (1) | ​ |  | 3,329
Balance at end of period | ​ | $ | 31,274
(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, Receivables - Loans and Debt Securities Acquired with Deteriorated Credit Quality, totaled $86.7 million at December 31, 2019. The outstanding balance of the Company’s PCI loan portfolio totaled $104.9 million at December 31, 2019. 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 at December 31, 2019; the remaining discount on these loans totaled $50.1 million at December 31, 2019. ​

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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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