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Loans Held for Investment (Tables) | 6 Months Ended | 9 Months Ended
--- | --- | ---
Jun. 30, 2021 | Sep. 30, 2021
Receivables [Abstract] |  |
Schedule of Loans by Class | The following table presents loans by segment as of the dates indicated:
| September 30, 2021 |  | December 31, 2020
Real estate loans: |  |  |
Commercial | $ | 3,883.2 |  |  | $ | 3,743.2 |
Construction loans: |  |  |
Land acquisition & development | 260.2 |  |  | 265.0 |
Residential | 268.4 |  |  | 250.9 |
Commercial | 610.2 |  |  | 523.5 |
Total construction loans | 1,138.8 |  |  | 1,039.4 |
Residential | 1,554.9 |  |  | 1,396.3 |
Agricultural | 229.9 |  |  | 220.6 |
Total real estate loans | 6,806.8 |  |  | 6,399.5 |
Consumer loans: |  |  |
Indirect | 756.8 |  |  | 805.1 |
Direct and advance lines | 132.9 |  |  | 150.6 |
Credit card | 64.1 |  |  | 70.2 |
Total consumer loans | 953.8 |  |  | 1,025.9 |
Commercial | 1,668.7 |  |  | 2,153.9 |
Agricultural | 212.4 |  |  | 247.6 |
Other, including overdrafts | 1.3 |  |  | 1.6 |
Loans held for investment | 9,643.0 |  |  | 9,828.5 |
Deferred loan fees and costs | (20.5) |  |  | (21.0) |
Loans held for investment, net of deferred fees and costs | 9,622.5 |  |  | 9,807.5 |
Allowance for credit losses | (135.1) |  |  | (144.3) |
Net loans held for investment | $ | 9,487.4 |  |  | $ | 9,663.2 |
Schedule of Allowance for Loan Losses by Portfolio Segment |  | The following tables represent, by loan portfolio segment, the activity in the allowance for credit losses for loans held for investment:
Three Months Ended September 30, 2021 | Beginning Balance |  | Provision for (reversal of) Credit Loss | Loans Charged-Off | Recoveries Collected | Ending Balance
Allowance for credit losses (1) |  |  |  |  |  |
Real estate: |  |  |  |  |  |
Commercial real estate: |  |  |  |  |  |
Non-owner occupied | $ | 22.9 |  |  | $ | 1.1 |  | $ | — |  | $ | — |  | $ | 24.0 |
Owner occupied | 16.6 |  |  | (0.6) |  | — |  | — |  | 16.0 |
Multi-family | 11.6 |  |  | 0.2 |  | — |  | — |  | 11.8 |
Total commercial real estate | 51.1 |  |  | 0.7 |  | — |  | — |  | 51.8 |
Construction: |  |  |  |  |  |
Land acquisition & development | 1.0 |  |  | (0.2) |  | — |  | 0.1 |  | 0.9 |
Residential construction | 1.5 |  |  | 0.3 |  | — |  | — |  | 1.8 |
Commercial construction | 8.0 |  |  | (1.3) |  | — |  | — |  | 6.7 |
Total construction | 10.5 |  |  | (1.2) |  | — |  | 0.1 |  | 9.4 |
Residential real estate: |  |  |  |  |  |
Residential 1-4 family | 13.4 |  |  | (0.2) |  | — |  | — |  | 13.2 |
Home equity and HELOC | 1.4 |  |  | (0.1) |  | — |  | 0.1 |  | 1.4 |
Total residential real estate | 14.8 |  |  | (0.3) |  | — |  | 0.1 |  | 14.6 |
Agricultural real estate | 3.0 |  |  | 0.1 |  | — |  | — |  | 3.1 |
Total real estate | 79.4 |  |  | (0.7) |  | — |  | 0.2 |  | 78.9 |
Consumer: |  |  |  |  |  |
Indirect | 15.8 |  |  | (0.1) |  | (0.8) |  | 0.5 |  | 15.4 |
Direct and advance lines | 4.6 |  |  | 0.5 |  | (0.8) |  | 0.4 |  | 4.7 |
Credit card | 1.6 |  |  | 0.4 |  | (0.4) |  | 0.2 |  | 1.8 |
Total consumer | 22.0 |  |  | 0.8 |  | (2.0) |  | 1.1 |  | 21.9 |
Commercial: |  |  |  |  |  |
Commercial and floor plans | 29.0 |  |  | 0.3 |  | (0.1) |  | 0.2 |  | 29.4 |
Commercial purpose secured by 1-4 family | 4.4 |  |  | (0.2) |  | — |  | — |  | 4.2 |
Credit card | 0.3 |  |  | — |  | — |  | — |  | 0.3 |
Total commercial | 33.7 |  |  | 0.1 |  | (0.1) |  | 0.2 |  | 33.9 |
Agricultural: |  |  |  |  |  |
Agricultural | 0.4 |  |  | — |  | — |  | — |  | 0.4 |
Total agricultural | 0.4 |  |  | — |  | — |  | — |  | 0.4 |
Total allowance for credit losses | $ | 135.5 |  |  | $ | 0.2 |  | $ | (2.1) |  | $ | 1.5 |  | $ | 135.1 |
(1) Amounts presented are exclusive of the allowance for credit losses related to unfunded commitments which are included in Note “Financial Instruments with Off-Balance Sheet Risk” included in this report.
Nine Months Ended September 30, 2021 | Beginning Balance |  | Provision for (reversal of) Credit Loss | Loans Charged-Off | Recoveries Collected | Ending Balance
Allowance for credit losses (1) |  |  |  |  |  |
Real estate: |  |  |  |  |  |
Commercial real estate: |  |  |  |  |  |
Non-owner occupied | $ | 25.5 |  |  | $ | (1.6) |  | $ | — |  | $ | 0.1 |  | $ | 24.0 |
Owner occupied | 18.3 |  |  | — |  | (2.3) |  | — |  | 16.0 |
Multi-family | 11.0 |  |  | 0.8 |  | — |  | — |  | 11.8 |
Total commercial real estate | 54.8 |  |  | (0.8) |  | (2.3) |  | 0.1 |  | 51.8 |
Construction: |  |  |  |  |  |
Land acquisition & development | 1.3 |  |  | (0.8) |  | (0.1) |  | 0.5 |  | 0.9 |
Residential construction | 1.6 |  |  | 0.3 |  | (0.1) |  | — |  | 1.8 |
Commercial construction | 7.3 |  |  | (0.6) |  | (0.1) |  | 0.1 |  | 6.7 |
Total construction | 10.2 |  |  | (1.1) |  | (0.3) |  | 0.6 |  | 9.4 |
Residential real estate: |  |  |  |  |  |
Residential 1-4 family | 11.4 |  |  | 1.8 |  | — |  | — |  | 13.2 |
Home equity and HELOC | 1.4 |  |  | (0.2) |  | (0.1) |  | 0.3 |  | 1.4 |
Total residential real estate | 12.8 |  |  | 1.6 |  | (0.1) |  | 0.3 |  | 14.6 |
Agricultural real estate | 2.7 |  |  | 0.4 |  | — |  | — |  | 3.1 |
Total real estate | 80.5 |  |  | 0.1 |  | (2.7) |  | 1.0 |  | 78.9 |
Consumer: |  |  |  |  |  |
Indirect | 16.7 |  |  | (0.3) |  | (2.9) |  | 1.9 |  | 15.4 |
Direct and advance lines | 4.6 |  |  | 1.2 |  | (2.0) |  | 0.9 |  | 4.7 |
Credit card | 2.6 |  |  | — |  | (1.4) |  | 0.6 |  | 1.8 |
Total consumer | 23.9 |  |  | 0.9 |  | (6.3) |  | 3.4 |  | 21.9 |
Commercial: |  |  |  |  |  |
Commercial and floor plans | 34.2 |  |  | (4.9) |  | (2.2) |  | 2.3 |  | 29.4 |
Commercial purpose secured by 1-4 family | 4.7 |  |  | (0.8) |  | (0.1) |  | 0.4 |  | 4.2 |
Credit card | 0.3 |  |  | 0.2 |  | (0.3) |  | 0.1 |  | 0.3 |
Total commercial | 39.2 |  |  | (5.5) |  | (2.6) |  | 2.8 |  | 33.9 |
Agricultural: |  |  |  |  |  |
Agricultural | 0.7 |  |  | (0.1) |  | (0.2) |  | — |  | 0.4 |
Total agricultural | 0.7 |  |  | (0.1) |  | (0.2) |  | — |  | 0.4 |
Total allowance for credit losses | $ | 144.3 |  |  | $ | (4.6) |  | $ | (11.8) |  | $ | 7.2 |  | $ | 135.1 |
(1) Amounts presented are exclusive of the allowance for credit losses related to unfunded commitments which are included in Note “Financial Instruments with Off-Balance Sheet Risk” included in this report.
Three Months Ended September 30, 2020 | Beginning Balance |  | Provision for Credit Loss Expense | Loans Charged-Off | Recoveries Collected | Ending Balance
Allowance for credit losses (1) |  |  |  |  |  |
Real estate: |  |  |  |  |  |
Commercial real estate: |  |  |  |  |  |
Non-owner occupied | $ | 23.6 |  |  | $ | 1.5 |  | $ | — |  | $ | 0.1 |  | $ | 25.2 |
Owner occupied | 19.1 |  |  | 0.1 |  | (0.2) |  | 0.1 |  | 19.1 |
Multi-family | 8.5 |  |  | 2.3 |  | — |  | — |  | 10.8 |
Total commercial real estate | 51.2 |  |  | 3.9 |  | (0.2) |  | 0.2 |  | 55.1 |
Construction: |  |  |  |  |  |
Land acquisition & development | 1.5 |  |  | (0.5) |  | — |  | 0.2 |  | 1.2 |
Residential construction | 1.3 |  |  | 0.3 |  | — |  | — |  | 1.6 |
Commercial construction | 6.3 |  |  | 0.8 |  | — |  | — |  | 7.1 |
Total construction | 9.1 |  |  | 0.6 |  | — |  | 0.2 |  | 9.9 |
Residential real estate: |  |  |  |  |  |
Residential 1-4 family | 10.3 |  |  | (1.1) |  | — |  | — |  | 9.2 |
Home equity and HELOC | 1.5 |  |  | — |  | — |  | — |  | 1.5 |
Total residential real estate | 11.8 |  |  | (1.1) |  | — |  | — |  | 10.7 |
Agricultural real estate | 3.1 |  |  | (0.2) |  | — |  | — |  | 2.9 |
Total real estate | 75.2 |  |  | 3.2 |  | (0.2) |  | 0.4 |  | 78.6 |
Consumer: |  |  |  |  |  |
Indirect | 16.4 |  |  | 0.7 |  | (0.8) |  | 0.7 |  | 17.0 |
Direct and advance lines | 5.1 |  |  | 0.6 |  | (1.1) |  | 0.2 |  | 4.8 |
Credit card | 2.0 |  |  | 0.6 |  | (0.6) |  | 0.2 |  | 2.2 |
Total consumer | 23.5 |  |  | 1.9 |  | (2.5) |  | 1.1 |  | 24.0 |
Commercial: |  |  |  |  |  |
Commercial and floor plans | 41.0 |  |  | (1.2) |  | (3.3) |  | 0.2 |  | 36.7 |
Commercial purpose secured by 1-4 family | 5.1 |  |  | (0.2) |  | — |  | 0.1 |  | 5.0 |
Credit card | 0.4 |  |  | 0.3 |  | (0.4) |  | — |  | 0.3 |
Total commercial | 46.5 |  |  | (1.1) |  | (3.7) |  | 0.3 |  | 42.0 |
Agricultural: |  |  |  |  |  |
Agricultural | 0.9 |  |  | — |  | — |  | — |  | 0.9 |
Total agricultural | 0.9 |  |  | — |  | — |  | — |  | 0.9 |
Total allowance for credit losses | $ | 146.1 |  |  | $ | 4.0 |  | $ | (6.4) |  | $ | 1.8 |  | $ | 145.5 |
(1) Amounts presented are exclusive of the allowance for credit losses related to unfunded commitments which are included in Note “Financial Instruments with Off-Balance Sheet Risk” included in this report.
Nine Months Ended September 30, 2020 | Beginning Balance | Impact of Adopting ASC 326 | Provision for Credit Loss Expense | Loans Charged-Off | Recoveries Collected | Ending Balance
Allowance for credit losses (1) |  |  |  |  |  |
Real estate: |  |  |  |  |  |
Commercial real estate: |  |  |  |  |  |
Non-owner occupied | $ | 8.8 |  | $ | 4.9 |  | $ | 11.4 |  | $ | — |  | $ | 0.1 |  | $ | 25.2 |
Owner occupied | 10.0 |  | 3.5 |  | 5.7 |  | (0.3) |  | 0.2 |  | 19.1 |
Multi-family | 0.7 |  | 6.9 |  | 3.2 |  | — |  | — |  | 10.8 |
Total commercial real estate | 19.5 |  | 15.3 |  | 20.3 |  | (0.3) |  | 0.3 |  | 55.1 |
Construction: |  |  |  |  |  |
Land acquisition & development | 1.9 |  | (0.1) |  | (0.3) |  | (0.5) |  | 0.2 |  | 1.2 |
Residential construction | 1.5 |  | (0.9) |  | 1.0 |  | — |  | — |  | 1.6 |
Commercial construction | 2.7 |  | 1.3 |  | 3.1 |  | — |  | — |  | 7.1 |
Total construction | 6.1 |  | 0.3 |  | 3.8 |  | (0.5) |  | 0.2 |  | 9.9 |
Residential real estate: |  |  |  |  |  |
Residential 1-4 family | 1.8 |  | 10.6 |  | (3.3) |  | — |  | 0.1 |  | 9.2 |
Home equity and HELOC | 1.0 |  | 0.5 |  | (0.1) |  | — |  | 0.1 |  | 1.5 |
Total residential real estate | 2.8 |  | 11.1 |  | (3.4) |  | — |  | 0.2 |  | 10.7 |
Agricultural real estate | 0.5 |  | 1.8 |  | 0.6 |  | — |  | — |  | 2.9 |
Total real estate | 28.9 |  | 28.5 |  | 21.3 |  | (0.8) |  | 0.7 |  | 78.6 |
Consumer: |  |  |  |  |  |
Indirect | 4.5 |  | 8.8 |  | 5.1 |  | (3.2) |  | 1.8 |  | 17.0 |
Direct and advance lines | 2.9 |  | 3.0 |  | 1.3 |  | (3.1) |  | 0.7 |  | 4.8 |
Credit card | 2.5 |  | 0.3 |  | 1.0 |  | (2.2) |  | 0.6 |  | 2.2 |
Total consumer | 9.9 |  | 12.1 |  | 7.4 |  | (8.5) |  | 3.1 |  | 24.0 |
Commercial: |  |  |  |  |  |
Commercial and floor plans | 25.5 |  | (5.1) |  | 20.0 |  | (4.7) |  | 1.0 |  | 36.7 |
Commercial purpose secured by 1-4 family | 5.9 |  | (3.8) |  | 2.8 |  | (0.1) |  | 0.2 |  | 5.0 |
Credit card | 1.2 |  | (1.1) |  | 1.0 |  | (0.9) |  | 0.1 |  | 0.3 |
Total commercial | 32.6 |  | (10.0) |  | 23.8 |  | (5.7) |  | 1.3 |  | 42.0 |
Agricultural: |  |  |  |  |  |
Agricultural | 1.6 |  | (0.6) |  | — |  | (0.1) |  | — |  | 0.9 |
Total agricultural | 1.6 |  | (0.6) |  | — |  | (0.1) |  | — |  | 0.9 |
Total allowance for credit losses | $ | 73.0 |  | $ | 30.0 |  | $ | 52.5 |  | $ | (15.1) |  | $ | 5.1 |  | $ | 145.5 |
(1) Amounts presented are exclusive of the allowance for credit losses related to unfunded commitments which are included in Note “Financial Instruments with Off-Balance Sheet Risk” included in this report.
Schedule of Recorded Investment in Impaired Loans |  | The following tables present the amortized cost basis of collateral-dependent loans by class of loans as of the dates indicated:
| Collateral Type
As of September 30, 2021 | Business Assets | Real Property | Other | Total
Real estate | $ | 1.2 |  | $ | 7.3 |  | $ | — |  | $ | 8.5 |
Commercial | 3.1 |  | 0.9 |  | — |  | 4.0 |
Agricultural | — |  | 0.7 |  | — |  | 0.7 |
Total collateral-dependent | $ | 4.3 |  | $ | 8.9 |  | $ | — |  | $ | 13.2 |
Schedule of Recorded Investment in Past Due Loans by Class |  | Loans are considered past due if the required principal and interest payments have not been received as of the date such payments were due. Loans classified in the following table as greater than 90 days past due continue to accrue interest. The following tables present the contractual aging of the Company’s recorded amortized cost basis in loans by portfolio as of the dates indicated.
|  |  |  | Total Loans |  |  |  |
| 30 - 59 | 60 - 89 | > 90 | 30 or More |  |  |  |
| Days | Days | Days | Days | Current | Non-accrual | Total |
As of September 30, 2021 | Past Due | Past Due | Past Due | Past Due | Loans | Loans (1) | Loans |
Real estate |  |  |  |  |  |  |  |
Commercial | $ | 6.1 |  | $ | 4.0 |  | $ | 0.3 |  | $ | 10.4 |  | $ | 3,864.0 |  | $ | 8.8 |  | $ | 3,883.2 |  |
Construction: |  |  |  |  |  |  |  |
Land acquisition & development | 0.7 |  | — |  | 0.2 |  | 0.9 |  | 258.8 |  | 0.5 |  | 260.2 |  |
Residential | — |  | — |  | — |  | — |  | 268.4 |  | — |  | 268.4 |  |
Commercial | 1.9 |  | — |  | — |  | 1.9 |  | 608.3 |  | — |  | 610.2 |  |
Total construction loans | 2.6 |  | — |  | 0.2 |  | 2.8 |  | 1,135.5 |  | 0.5 |  | 1,138.8 |  |
Residential | 0.2 |  | 2.7 |  | 1.4 |  | 4.3 |  | 1,546.3 |  | 4.3 |  | 1,554.9 |  |
Agricultural | — |  | 0.2 |  | 1.2 |  | 1.4 |  | 222.9 |  | 5.6 |  | 229.9 |  |
Total real estate loans | 8.9 |  | 6.9 |  | 3.1 |  | 18.9 |  | 6,768.7 |  | 19.2 |  | 6,806.8 |  |
Consumer: |  |  |  |  |  |  |  |
Indirect consumer | 4.0 |  | 1.1 |  | 0.2 |  | 5.3 |  | 750.0 |  | 1.5 |  | 756.8 |  |
Other consumer | 0.7 |  | 0.2 |  | 0.1 |  | 1.0 |  | 131.7 |  | 0.2 |  | 132.9 |  |
Credit card | 0.6 |  | 0.2 |  | 0.4 |  | 1.2 |  | 62.9 |  | — |  | 64.1 |  |
Total consumer loans | 5.3 |  | 1.5 |  | 0.7 |  | 7.5 |  | 944.6 |  | 1.7 |  | 953.8 |  |
Commercial | 3.7 |  | 0.6 |  | 0.9 |  | 5.2 |  | 1,656.4 |  | 7.1 |  | 1,668.7 |  |
Agricultural | 0.3 |  | — |  | 0.5 |  | 0.8 |  | 209.7 |  | 1.9 |  | 212.4 |  |
Other, including overdrafts | — |  | — |  | — |  | — |  | 1.3 |  | — |  | 1.3 |  |
Loans held for investment | $ | 18.2 |  | $ | 9.0 |  | $ | 5.2 |  | $ | 32.4 |  | $ | 9,580.7 |  | $ | 29.9 |  | $ | 9,643.0 |  |
|  |  |  | Total Loans |  |  |  |
| 30 - 59 | 60 - 89 | > 90 | 30 or More |  |  |  |
| Days | Days | Days | Days | Current | Non-accrual | Total |
As of December 31, 2020 | Past Due | Past Due | Past Due | Past Due | Loans | Loans (1) | Loans |
Real estate |  |  |  |  |  |  |  |
Commercial | $ | 7.6 |  | $ | 1.2 |  | $ | 4.0 |  | $ | 12.8 |  | $ | 3,720.8 |  | $ | 9.6 |  | $ | 3,743.2 |  |
Construction: |  |  |  |  |  |  |  |
Land acquisition & development | 2.5 |  | 1.1 |  | 0.1 |  | 3.7 |  | 260.6 |  | 0.7 |  | 265.0 |  |
Residential | 1.5 |  | 0.4 |  | — |  | 1.9 |  | 247.9 |  | 1.1 |  | 250.9 |  |
Commercial | 12.2 |  | — |  | — |  | 12.2 |  | 511.2 |  | 0.1 |  | 523.5 |  |
Total construction loans | 16.2 |  | 1.5 |  | 0.1 |  | 17.8 |  | 1,019.7 |  | 1.9 |  | 1,039.4 |  |
Residential | 4.7 |  | 1.6 |  | 0.5 |  | 6.8 |  | 1,384.9 |  | 4.6 |  | 1,396.3 |  |
Agricultural | 2.0 |  | — |  | — |  | 2.0 |  | 212.4 |  | 6.2 |  | 220.6 |  |
Total real estate loans | 30.5 |  | 4.3 |  | 4.6 |  | 39.4 |  | 6,337.8 |  | 22.3 |  | 6,399.5 |  |
Consumer: |  |  |  |  |  |  |  |
Indirect consumer | 6.4 |  | 2.0 |  | 0.5 |  | 8.9 |  | 794.3 |  | 1.9 |  | 805.1 |  |
Other consumer | 0.8 |  | 0.2 |  | 0.2 |  | 1.2 |  | 149.0 |  | 0.4 |  | 150.6 |  |
Credit card | 0.6 |  | 0.4 |  | 0.6 |  | 1.6 |  | 68.6 |  | — |  | 70.2 |  |
Total consumer loans | 7.8 |  | 2.6 |  | 1.3 |  | 11.7 |  | 1,011.9 |  | 2.3 |  | 1,025.9 |  |
Commercial | 6.2 |  | 1.8 |  | 1.2 |  | 9.2 |  | 2,132.9 |  | 11.8 |  | 2,153.9 |  |
Agricultural | 0.4 |  | 0.6 |  | 1.4 |  | 2.4 |  | 242.1 |  | 3.1 |  | 247.6 |  |
Other, including overdrafts | — |  | — |  | — |  | — |  | 1.6 |  | — |  | 1.6 |  |
Loans held for investment | $ | 44.9 |  | $ | 9.3 |  | $ | 8.5 |  | $ | 62.7 |  | $ | 9,726.3 |  | $ | 39.5 |  | $ | 9,828.5 |  |
(1) As of September 30, 2021 and December 31, 2020, none of our non-accrual loans were earning interest income. Additionally, no material interest income was recognized on non-accrual loans during the three and nine months ended September 30, 2021 and 2020, respectively, and no material accrued interest was reversed at September 30, 2021 and 2020, respectively.
Schedule of Recorded Investment in Criticized Loans by Class and Credit Quality Indicator |  | The Company evaluates the credit quality and loan performance for the allowance for credit loan losses of the following segments based on the aforementioned risk scale for the periods indicated:
| September 30, 2021 |  |  |
| Term Loans Amortized Cost Basis by Origination Year |  |  |
Risk by Collateral | 2021 | 2020 | 2019 | 2018 | 2017 | Prior | Revolving Loans Amortized Cost Basis |  | Total
Commercial real estate non-owner occupied: |  |  |  |  |  |  |  |  |
Pass | $ | 408.9 |  | $ | 467.7 |  | $ | 258.9 |  | $ | 160.7 |  | $ | 94.9 |  | $ | 426.9 |  | $ | 11.6 |  |  | $ | 1,829.6 |
Special mention | 0.2 |  | 1.5 |  | 2.2 |  | — |  | — |  | 13.9 |  | — |  |  | 17.8 |
Substandard | 3.9 |  | 15.5 |  | 2.4 |  | 0.8 |  | 1.1 |  | 13.1 |  | — |  |  | 36.8 |
Total | $ | 413.0 |  | $ | 484.7 |  | $ | 263.5 |  | $ | 161.5 |  | $ | 96.0 |  | $ | 453.9 |  | $ | 11.6 |  |  | $ | 1,884.2 |
Commercial real estate owner occupied: |  |  |  |  |  |  |  |  |
Pass | $ | 317.5 |  | $ | 325.0 |  | $ | 247.5 |  | $ | 166.0 |  | $ | 106.2 |  | $ | 368.1 |  | $ | 12.7 |  |  | $ | 1,543.0 |
Special mention | 1.1 |  | 5.3 |  | 1.9 |  | 5.1 |  | 3.1 |  | 18.6 |  | — |  |  | 35.1 |
Substandard | 3.5 |  | 5.0 |  | 5.8 |  | 8.4 |  | 2.8 |  | 23.0 |  | 0.1 |  |  | 48.6 |
Total | $ | 322.1 |  | $ | 335.3 |  | $ | 255.2 |  | $ | 179.5 |  | $ | 112.1 |  | $ | 409.7 |  | $ | 12.8 |  |  | $ | 1,626.7 |
Commercial multi-family: |  |  |  |  |  |  |  |  |
Pass | $ | 62.7 |  | $ | 116.3 |  | $ | 46.3 |  | $ | 20.6 |  | $ | 36.9 |  | $ | 87.6 |  | $ | 1.9 |  |  | $ | 372.3 |
Total | $ | 62.7 |  | $ | 116.3 |  | $ | 46.3 |  | $ | 20.6 |  | $ | 36.9 |  | $ | 87.6 |  | $ | 1.9 |  |  | $ | 372.3 |
Land, acquisition and development: |  |  |  |  |  |  |  |  |
Pass | $ | 80.2 |  | $ | 73.7 |  | $ | 42.6 |  | $ | 15.7 |  | $ | 21.0 |  | $ | 21.9 |  | $ | 2.0 |  |  | $ | 257.1 |
Special mention | 1.0 |  | 0.2 |  | — |  | — |  | 0.1 |  | — |  | — |  |  | 1.3 |
Substandard | 0.6 |  | 0.2 |  | — |  | 0.7 |  | 0.1 |  | 0.1 |  | 0.1 |  |  | 1.8 |
Total | $ | 81.8 |  | $ | 74.1 |  | $ | 42.6 |  | $ | 16.4 |  | $ | 21.2 |  | $ | 22.0 |  | $ | 2.1 |  |  | $ | 260.2 |
Residential construction: |  |  |  |  |  |  |  |  |
Pass | $ | 98.2 |  | $ | 23.8 |  | $ | 26.5 |  | $ | 1.0 |  | $ | 1.6 |  | $ | — |  | $ | 116.3 |  |  | $ | 267.4 |
Special mention | — |  | — |  | — |  | — |  | 0.4 |  | — |  | — |  |  | 0.4 |
Substandard | 0.2 |  | 0.4 |  | — |  | — |  | — |  | — |  | — |  |  | 0.6 |
Total | $ | 98.4 |  | $ | 24.2 |  | $ | 26.5 |  | $ | 1.0 |  | $ | 2.0 |  | $ | — |  | $ | 116.3 |  |  | $ | 268.4 |
Commercial construction: |  |  |  |  |  |  |  |  |
Pass | $ | 207.7 |  | $ | 221.2 |  | $ | 147.4 |  | $ | 27.7 |  | $ | 0.6 |  | $ | 5.6 |  | $ | — |  |  | $ | 610.2 |
Total | $ | 207.7 |  | $ | 221.2 |  | $ | 147.4 |  | $ | 27.7 |  | $ | 0.6 |  | $ | 5.6 |  | $ | — |  |  | $ | 610.2 |
| September 30, 2021 |  |  |
| Term Loans Amortized Cost Basis by Origination Year |  |  |
Risk by Collateral | 2021 | 2020 | 2019 | 2018 | 2017 | Prior | Revolving Loans Amortized Cost Basis |  | Total
Agricultural real estate: |  |  |  |  |  |  |  |  |
Pass | $ | 52.8 |  | $ | 39.9 |  | $ | 37.3 |  | $ | 24.2 |  | $ | 13.4 |  | $ | 31.2 |  | $ | 3.8 |  |  | $ | 202.6 |
Special mention | 0.1 |  | 1.5 |  | 1.2 |  | 0.6 |  | 0.1 |  | 3.6 |  | 1.0 |  |  | 8.1 |
Substandard | 1.0 |  | 1.7 |  | 6.7 |  | 2.7 |  | 1.3 |  | 3.4 |  | — |  |  | 16.8 |
Doubtful | 2.4 |  | — |  | — |  | — |  | — |  | — |  | — |  |  | 2.4 |
Total | $ | 56.3 |  | $ | 43.1 |  | $ | 45.2 |  | $ | 27.5 |  | $ | 14.8 |  | $ | 38.2 |  | $ | 4.8 |  |  | $ | 229.9 |
Commercial and floor plans: |  |  |  |  |  |  |  |  |
Pass | $ | 509.2 |  | $ | 182.7 |  | $ | 107.8 |  | $ | 90.6 |  | $ | 50.9 |  | $ | 101.2 |  | $ | 246.3 |  |  | $ | 1,288.7 |
Special mention | 0.8 |  | 12.7 |  | 0.9 |  | 2.1 |  | 3.6 |  | 3.1 |  | 3.9 |  |  | 27.1 |
Substandard | 2.2 |  | 2.8 |  | 1.6 |  | 2.0 |  | 0.7 |  | 4.9 |  | 1.1 |  |  | 15.3 |
Total | $ | 512.2 |  | $ | 198.2 |  | $ | 110.3 |  | $ | 94.7 |  | $ | 55.2 |  | $ | 109.2 |  | $ | 251.3 |  |  | $ | 1,331.1 |
Commercial purpose secured by 1-4 family: |  |  |  |  |  |  |  |  |
Pass | $ | 66.2 |  | $ | 67.3 |  | $ | 30.6 |  | $ | 24.6 |  | $ | 16.4 |  | $ | 36.4 |  | $ | 13.7 |  |  | $ | 255.2 |
Special mention | — |  | 0.2 |  | 0.2 |  | 0.5 |  | 0.1 |  | 0.8 |  | 0.4 |  |  | 2.2 |
Substandard | 1.2 |  | 1.4 |  | 0.7 |  | 1.0 |  | 0.2 |  | 1.6 |  | 0.1 |  |  | 6.2 |
Total | $ | 67.4 |  | $ | 68.9 |  | $ | 31.5 |  | $ | 26.1 |  | $ | 16.7 |  | $ | 38.8 |  | $ | 14.2 |  |  | $ | 263.6 |
Agricultural: |  |  |  |  |  |  |  |  |
Pass | $ | 30.3 |  | $ | 27.1 |  | $ | 10.5 |  | $ | 7.8 |  | $ | 3.5 |  | $ | 2.0 |  | $ | 108.0 |  |  | $ | 189.2 |
Special mention | 0.9 |  | 0.6 |  | 0.5 |  | 0.3 |  | — |  | 0.3 |  | 3.1 |  |  | 5.7 |
Substandard | 9.6 |  | 0.8 |  | 1.4 |  | 2.6 |  | 0.1 |  | 0.2 |  | 1.3 |  |  | 16.0 |
Total | $ | 40.8 |  | $ | 28.5 |  | $ | 12.4 |  | $ | 10.7 |  | $ | 3.6 |  | $ | 2.5 |  | $ | 112.4 |  |  | $ | 210.9 |
| December 31, 2020 |  |  |
| Term Loans Amortized Cost Basis by Origination Year |  |  |
Risk by Collateral | 2020 | 2019 | 2018 | 2017 | 2016 | Prior | Revolving Loans Amortized Cost Basis |  | Total
Commercial real estate non-owner occupied: |  |  |  |  |  |  |  |  |
Pass | $ | 495.9 |  | $ | 304.9 |  | $ | 216.0 |  | $ | 105.3 |  | $ | 139.7 |  | $ | 336.5 |  | $ | 13.8 |  |  | $ | 1,612.1 |
Special mention | 0.3 |  | 2.3 |  | 0.9 |  | 0.1 |  | 6.4 |  | 13.7 |  | — |  |  | 23.7 |
Substandard | 15.7 |  | 2.7 |  | 1.0 |  | 4.1 |  | 1.1 |  | 13.9 |  | — |  |  | 38.5 |
Doubtful | — |  | — |  | 0.2 |  | — |  | — |  | — |  | — |  |  | 0.2 |
Total | $ | 511.9 |  | $ | 309.9 |  | $ | 218.1 |  | $ | 109.5 |  | $ | 147.2 |  | $ | 364.1 |  | $ | 13.8 |  |  | $ | 1,674.5 |
Commercial real estate owner occupied: |  |  |  |  |  |  |  |  |
Pass | $ | 416.3 |  | $ | 312.5 |  | $ | 211.2 |  | $ | 122.4 |  | $ | 153.7 |  | $ | 357.9 |  | $ | 8.9 |  |  | $ | 1,582.9 |
Special mention | 7.1 |  | 9.6 |  | 4.8 |  | 3.1 |  | 18.6 |  | 20.0 |  | — |  |  | 63.2 |
Substandard | 8.9 |  | 6.5 |  | 11.5 |  | 5.0 |  | 15.1 |  | 11.1 |  | 0.3 |  |  | 58.4 |
Doubtful | 0.2 |  | — |  | — |  | 0.2 |  | — |  | 0.1 |  | — |  |  | 0.5 |
Total | $ | 432.5 |  | $ | 328.6 |  | $ | 227.5 |  | $ | 130.7 |  | $ | 187.4 |  | $ | 389.1 |  | $ | 9.2 |  |  | $ | 1,705.0 |
Commercial multi-family: |  |  |  |  |  |  |  |  |
Pass | $ | 132.5 |  | $ | 58.9 |  | $ | 23.5 |  | $ | 41.6 |  | $ | 25.8 |  | $ | 80.5 |  | $ | 0.8 |  |  | $ | 363.6 |
Special mention | — |  | — |  | — |  | — |  | — |  | 0.1 |  | — |  |  | 0.1 |
Total | $ | 132.5 |  | $ | 58.9 |  | $ | 23.5 |  | $ | 41.6 |  | $ | 25.8 |  | $ | 80.6 |  | $ | 0.8 |  |  | $ | 363.7 |
| December 31, 2020 |  |  |
| Term Loans Amortized Cost Basis by Origination Year |  |  |
Risk by Collateral | 2020 | 2019 | 2018 | 2017 | 2016 | Prior | Revolving Loans Amortized Cost Basis |  | Total
Land, acquisition and development: |  |  |  |  |  |  |  |  |
Pass | $ | 104.6 |  | $ | 58.8 |  | $ | 26.4 |  | $ | 30.7 |  | $ | 7.6 |  | $ | 26.3 |  | $ | 5.8 |  |  | $ | 260.2 |
Special mention | 0.2 |  | 0.1 |  | — |  | 0.9 |  | — |  | 1.2 |  | 0.5 |  |  | 2.9 |
Substandard | 0.3 |  | — |  | 1.2 |  | 0.1 |  | — |  | 0.1 |  | 0.1 |  |  | 1.8 |
Doubtful | — |  | — |  | — |  | — |  | — |  | 0.1 |  | — |  |  | 0.1 |
Total | $ | 105.1 |  | $ | 58.9 |  | $ | 27.6 |  | $ | 31.7 |  | $ | 7.6 |  | $ | 27.7 |  | $ | 6.4 |  |  | $ | 265.0 |
Residential construction: |  |  |  |  |  |  |  |  |
Pass | $ | 80.4 |  | $ | 64.7 |  | $ | 16.7 |  | $ | 5.6 |  | $ | — |  | $ | 0.1 |  | $ | 82.1 |  |  | $ | 249.6 |
Substandard | 0.2 |  | — |  | — |  | — |  | — |  | — |  | 1.1 |  |  | 1.3 |
Total | $ | 80.6 |  | $ | 64.7 |  | $ | 16.7 |  | $ | 5.6 |  | $ | — |  | $ | 0.1 |  | $ | 83.2 |  |  | $ | 250.9 |
Commercial construction: |  |  |  |  |  |  |  |  |
Pass | $ | 236.1 |  | $ | 195.4 |  | $ | 61.2 |  | $ | 11.9 |  | $ | 6.0 |  | $ | (0.3) |  | $ | 11.6 |  |  | $ | 521.9 |
Special mention | — |  | — |  | 1.5 |  | — |  | — |  | — |  | — |  |  | 1.5 |
Substandard | — |  | — |  | — |  | — |  | — |  | 0.1 |  | — |  |  | 0.1 |
Total | $ | 236.1 |  | $ | 195.4 |  | $ | 62.7 |  | $ | 11.9 |  | $ | 6.0 |  | $ | (0.2) |  | $ | 11.6 |  |  | $ | 523.5 |
Agricultural real estate: |  |  |  |  |  |  |  |  |
Pass | $ | 50.0 |  | $ | 45.3 |  | $ | 28.2 |  | $ | 17.2 |  | $ | 12.7 |  | $ | 27.2 |  | $ | 5.3 |  |  | $ | 185.9 |
Special mention | 2.8 |  | 6.7 |  | 1.0 |  | 1.5 |  | 0.9 |  | 1.0 |  | 0.5 |  |  | 14.4 |
Substandard | 1.4 |  | 5.9 |  | 3.4 |  | 0.9 |  | 3.4 |  | 4.4 |  | 0.6 |  |  | 20.0 |
Doubtful | — |  | 0.3 |  | — |  | — |  | — |  | — |  | — |  |  | 0.3 |
Total | $ | 54.2 |  | $ | 58.2 |  | $ | 32.6 |  | $ | 19.6 |  | $ | 17.0 |  | $ | 32.6 |  | $ | 6.4 |  |  | $ | 220.6 |
Commercial and floor plans: |  |  |  |  |  |  |  |  |
Pass | $ | 1,029.4 |  | $ | 153.0 |  | $ | 136.0 |  | $ | 69.8 |  | $ | 43.0 |  | $ | 92.3 |  | $ | 233.1 |  |  | $ | 1,756.6 |
Special mention | 5.6 |  | 1.0 |  | 1.9 |  | 7.0 |  | 3.9 |  | 0.5 |  | 2.4 |  |  | 22.3 |
Substandard | 8.8 |  | 1.8 |  | 4.3 |  | 0.4 |  | 4.1 |  | 1.1 |  | 11.5 |  |  | 32.0 |
Doubtful | 0.3 |  | 0.4 |  | — |  | — |  | 0.1 |  | 2.6 |  | 0.2 |  |  | 3.6 |
Total | $ | 1,044.1 |  | $ | 156.2 |  | $ | 142.2 |  | $ | 77.2 |  | $ | 51.1 |  | $ | 96.5 |  | $ | 247.2 |  |  | $ | 1,814.5 |
Commercial purpose secured by 1-4 family: |  |  |  |  |  |  |  |  |
Pass | $ | 82.3 |  | $ | 53.7 |  | $ | 33.7 |  | $ | 20.7 |  | $ | 15.5 |  | $ | 34.9 |  | $ | 17.5 |  |  | $ | 258.3 |
Special mention | 0.5 |  | 0.5 |  | 0.3 |  | 0.1 |  | 0.5 |  | 0.8 |  | 0.8 |  |  | 3.5 |
Substandard | 2.4 |  | 1.0 |  | 4.8 |  | 0.3 |  | 1.4 |  | 1.0 |  | 0.1 |  |  | 11.0 |
Total | $ | 85.2 |  | $ | 55.2 |  | $ | 38.8 |  | $ | 21.1 |  | $ | 17.4 |  | $ | 36.7 |  | $ | 18.4 |  |  | $ | 272.8 |
Agricultural: |  |  |  |  |  |  |  |  |
Pass | $ | 47.4 |  | $ | 18.1 |  | $ | 10.7 |  | $ | 4.2 |  | $ | 3.0 |  | $ | 1.3 |  | $ | 130.9 |  |  | $ | 215.6 |
Special mention | 1.5 |  | 0.7 |  | 0.4 |  | — |  | 0.1 |  | 0.3 |  | 13.4 |  |  | 16.4 |
Substandard | 3.7 |  | 1.5 |  | 4.2 |  | 0.6 |  | 0.1 |  | 0.4 |  | 3.6 |  |  | 14.1 |
Total | $ | 52.6 |  | $ | 20.3 |  | $ | 15.3 |  | $ | 4.8 |  | $ | 3.2 |  | $ | 2.0 |  | $ | 147.9 |  |  | $ | 246.1 |
The following tables present the recorded investment of our other loan portfolios based on the credit risk profile of loans that are performing and loans that are nonperforming as of the periods indicated:
| September 30, 2021 |  |  |
| Term Loans Amortized Cost Basis by Origination Year |  |  |
Risk by Collateral | 2021 | 2020 | 2019 | 2018 | 2017 | Prior | Revolving Loans Amortized Cost Basis |  | Total
Residential 1-4 family: |  |  |  |  |  |  |  |  |
Performing | $ | 324.5 |  | $ | 490.7 |  | $ | 79.4 |  | $ | 35.0 |  | $ | 30.5 |  | $ | 199.2 |  | $ | — |  |  | $ | 1,159.3 |
Nonperforming | — |  | 0.9 |  | 0.4 |  | — |  | 0.4 |  | 1.9 |  | — |  |  | 3.6 |
Total | $ | 324.5 |  | $ | 491.6 |  | $ | 79.8 |  | $ | 35.0 |  | $ | 30.9 |  | $ | 201.1 |  | $ | — |  |  | $ | 1,162.9 |
Consumer home equity and HELOC: |  |  |  |  |  |  |  |  |
Performing | $ | 11.8 |  | $ | 8.1 |  | $ | 4.7 |  | $ | 5.2 |  | $ | 4.0 |  | $ | 13.2 |  | $ | 343.1 |  |  | $ | 390.1 |
Nonperforming | 0.3 |  | — |  | 0.3 |  | — |  | 0.6 |  | 0.7 |  | — |  |  | 1.9 |
Total | $ | 12.1 |  | $ | 8.1 |  | $ | 5.0 |  | $ | 5.2 |  | $ | 4.6 |  | $ | 13.9 |  | $ | 343.1 |  |  | $ | 392.0 |
Consumer indirect: |  |  |  |  |  |  |  |  |
Performing | $ | 223.5 |  | $ | 236.0 |  | $ | 124.6 |  | $ | 74.6 |  | $ | 44.1 |  | $ | 52.2 |  | $ | — |  |  | $ | 755.0 |
Nonperforming | 0.1 |  | 0.4 |  | 0.3 |  | 0.3 |  | 0.2 |  | 0.5 |  | — |  |  | 1.8 |
Total | $ | 223.6 |  | $ | 236.4 |  | $ | 124.9 |  | $ | 74.9 |  | $ | 44.3 |  | $ | 52.7 |  | $ | — |  |  | $ | 756.8 |
Consumer direct and advance line: |  |  |  |  |  |  |  |  |
Performing | $ | 34.9 |  | $ | 31.5 |  | $ | 17.9 |  | $ | 16.2 |  | $ | 6.8 |  | $ | 8.8 |  | $ | 16.5 |  |  | $ | 132.6 |
Nonperforming | — |  | — |  | 0.1 |  | 0.1 |  | 0.1 |  | — |  | — |  |  | 0.3 |
Total | $ | 34.9 |  | $ | 31.5 |  | $ | 18.0 |  | $ | 16.3 |  | $ | 6.9 |  | $ | 8.8 |  | $ | 16.5 |  |  | $ | 132.9 |
The following table presents the recorded investment in credit card loans based on payment activity for the periods indicated:
As of September 30, 2021 | Consumer | Commercial | Agricultural | Total
Credit Card: |  |  |  |
Performing | $ | 63.7 |  | $ | 73.9 |  | $ | 1.5 |  | $ | 139.1 |
Nonperforming | 0.4 |  | 0.1 |  | — |  | 0.5 |
Total | $ | 64.1 |  | $ | 74.0 |  | $ | 1.5 |  | $ | 139.6 |
As of December 31, 2020 | Consumer | Commercial | Agricultural | Total
Credit Card: |  |  |  |
Performing | $ | 69.6 |  | $ | 66.3 |  | $ | 1.5 |  | $ | 137.4 |
Nonperforming | 0.6 |  | 0.3 |  | — |  | 0.9 |
Total credit card | $ | 70.2 |  | $ | 66.6 |  | $ | 1.5 |  | $ | 138.3 |

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