Allowance for Credit Losses

Loans accounted on non-accrual basis, by loan class


	September 30, 2020		December 31, 2019

	(Dollars in Thousands)
Domestic
Commercial	$	1,444	$	1,901
Commercial real estate: other construction & land development		911		938
Commercial real estate: farmland & commercial		501		1,208
Commercial real estate: multifamily		137		165
Residential: first lien		727		670
Residential: junior lien		38		—
Consumer		3		4
Total non-accrual loans	$	3,761	$	4,886

Loans accounted for as trouble debt restructuring, by Watch List Doubtful loans


	September 30, 2020		December 31, 2019

		(Dollars in Thousands)
Domestic
Commercial	$	—	$	32
Residential: first lien		4,149		5,608
Residential: junior lien		557		692
Consumer		888		1,192
Foreign		241		264
Total troubled debt restructuring	$	5,835	$	7,788

Summary of the loan portfolio by credit quality indicator, by loan class



		2020	2019		2018		2017		2016		Prior		Total

	(Dollars in Thousands)
Balance at September 30, 2020
Domestic
Commercial
Pass	$	1,092,774	$	307,257	$	171,592	$	133,566	$	19,838	$	11,571	$	1,736,598
Special Review		72,904		393		—		—		—		—		73,297
Watch List - Pass		1,227		34,757		29,658		—		—		22		65,664
Watch List - Substandard		—		—		653		—		323		—		976
Watch List - Doubtful		799		314		163		168		—		—		1,444
Total Commercial	$	1,167,704	$	342,721	$	202,066	$	133,734	$	20,161	$	11,593	$	1,877,979
Commercial real estate: other construction & land development
Pass	$	613,492	$	665,095	$	450,605	$	132,837	$	13,965	$	7,602	$	1,883,596
Special Review		12,625		—		—		—		—		—		12,625
Watch List - Pass		2,344		25,185		—		—		—		—		27,529
Watch List - Substandard		18,769		—		—		—		—		—		18,769
Watch List - Doubtful		118		793		—		—		—		—		911
Total Commercial real estate: other construction & land development	$	647,348	$	691,073	$	450,605	$	132,837	$	13,965	$	7,602	$	1,943,430
Commercial real estate: farmland & commercial
Pass	$	561,310	$	524,354	$	333,348	$	201,824	$	200,296	$	143,109	$	1,964,241
Special Review		1,368		—		4,792		179		3,228		—		9,567
Watch List - Pass		25,467		8,885		20,482		8,879		7,448		1		71,162
Watch List - Substandard		3,315		55,728		168		2,293		478		3,497		65,479
Watch List - Doubtful		—		221		—		38		—		242		501
Total Commercial real estate: farmland & commercial	$	591,460	$	589,188	$	358,790	$	213,213	$	211,450	$	146,849	$	2,110,950
Commercial real estate: multifamily
Pass	$	49,110	$	220,573	$	83,584	$	64,674	$	8,392	$	11,467	$	437,800
Watch List - Doubtful		137		—		—		—		—		—		137
Total Commercial real estate: multifamily	$	49,247	$	220,573	$	83,584	$	64,674	$	8,392	$	11,467	$	437,937
Residential: first lien
Pass	$	58,068	$	65,854	$	77,011	$	58,475	$	35,966	$	114,140	$	409,514
Watch List - Pass		—		14		131		—		—		1		146
Watch List - Substandard		—		—		62		—		50		—		112
Watch List - Doubtful		89		—		—		—		88		66		243
Total Residential: first lien	$	58,157	$	65,868	$	77,204	$	58,475	$	36,104	$	114,207	$	410,015
Residential: junior lien
Pass	$	158,909	$	123,056	$	72,302	$	88,890	$	67,720	$	111,075	$	621,952
Special Review		—		830		—		811		—		—		1,641
Watch List- Doubtful		—		—		38		—		—		—		38
Total Residential: junior lien	$	158,909	$	123,886	$	72,340	$	89,701	$	67,720	$	111,075	$	623,631
Consumer
Pass	$	25,683	$	12,392	$	1,360	$	266	$	95	$	1,311	$	41,107
Watch List - Doubtful		—		—		—		—		—		3		3
Total Consumer	$	25,683	$	12,392	$	1,360	$	266	$	95	$	1,314	$	41,110
Foreign
Pass	$	82,393	$	32,680	$	12,738	$	6,786	$	3,711	$	5,875	$	144,183
Total Foreign	$	82,393	$	32,680	$	12,738	$	6,786	$	3,711	$	5,875	$	144,183
Total Loans	$	2,780,901	$	2,078,381	$	1,258,687	$	699,686	$	361,598	$	409,982	$	7,589,235


			December 31, 2019
			Special		Watch		Watch List—		Watch List—
	Pass		Review		List—Pass		Substandard		Impaired

			(Dollars in Thousands)
Domestic
Commercial	$	1,228,110	$	569	$	39	$	62,007	$	1,935
Commercial real estate: other construction & land development		2,090,370		18,721		41,949		33,905		938
Commercial real estate: farmland & commercial		1,710,446		13,184		20,183		151,726		1,208
Commercial real estate: multifamily		190,265		—		—		—		165
Residential: first lien		426,546		253		144		680		6,278
Residential: junior lien		704,958		826		—		—		692
Consumer		46,605		—		—		—		1,195
Foreign		140,785		—		—		—		264
Total	$	6,538,085	$	33,553	$	62,315	$	248,318	$	12,675