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Loans and Lease Finance Receivables and Allowance for Loan Losses (Tables) | 6 Months Ended
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Jun. 30, 2019
Receivables [Abstract] |
Summary of Components of Loans and Lease Finance Receivables, Excluding PCI Loans | The following table provides a summary of the Company’s total loans and lease finance receivables by type.
|  | June 30, 2019 |  | December 31, 2018
|  | Total Loans and Leases |  | Non-PCI Loans and Leases |  | PCI Loans |  | Total Loans and Leases |
|  | (Dollars in thousands)
Commercial and industrial |  | $ | 917,953 |  |  | $ | 1,002,209 |  |  | $ | 519 |  |  | $ | 1,002,728 |
SBA |  |  | 327,606 |  |  |  | 350,043 |  |  |  | 1,258 |  |  |  | 351,301 |
Real estate: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial real estate |  |  | 5,417,351 |  |  |  | 5,394,229 |  |  |  | 14,407 |  |  |  | 5,408,636 |
Construction |  |  | 116,457 |  |  |  | 122,782 |  |  |  | - |  |  |  | 122,782 |
SFR mortgage |  |  | 278,285 |  |  |  | 296,504 |  |  |  | 145 |  |  |  | 296,649 |
Dairy & livestock and agribusiness |  |  | 301,752 |  |  |  | 393,843 |  |  |  | 700 |  |  |  | 394,543 |
Municipal lease finance receivables |  |  | 59,985 |  |  |  | 64,186 |  |  |  | - |  |  |  | 64,186 |
Consumer and other loans |  |  | 120,779 |  |  |  | 128,429 |  |  |  | 185 |  |  |  | 128,614 |
Gross loans |  |  | 7,540,168 |  |  |  | 7,752,225 |  |  |  | 17,214 |  |  |  | 7,769,439 |
Less: Deferred loan fees, net |  |  | (4,478 | ) |  |  | (4,828 | ) |  |  | - |  |  |  | (4,828 | )
Gross loans, net of deferred loan fees |  |  | 7,535,690 |  |  |  | 7,747,397 |  |  |  | 17,214 |  |  |  | 7,764,611 |
Less: Allowance for loan losses |  |  | (67,132 | ) |  |  | (63,409 | ) |  |  | (204 | ) |  |  | (63,613 | )
Total loans and lease finance receivables |  | $ | 7,468,558 |  |  | $ | 7,683,988 |  |  | $ | 17,010 |  |  | $ | 7,700,998 |
Summary of Loan, Excluding PCI Loans by Internal Risk Ratings | The following table summarizes loans by type, according to our internal risk ratings for the periods presented.
|  | June 30, 2019
|  | Pass |  | Special Mention |  | Substandard (1) |  | Doubtful & Loss |  | Total |
|  | (Dollars in thousands)
Commercial and industrial |  | $ | 883,044 |  |  | $ | 28,611 |  |  | $ | 6,298 |  |  | $ | - |  |  | $ | 917,953 |
SBA |  |  | 303,947 |  |  |  | 14,444 |  |  |  | 9,215 |  |  |  | - |  |  |  | 327,606 |
Real estate: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial real estate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Owner occupied |  |  | 1,985,951 |  |  |  | 87,246 |  |  |  | 20,446 |  |  |  | - |  |  |  | 2,093,643 |
Non-owner occupied |  |  | 3,310,103 |  |  |  | 12,850 |  |  |  | 755 |  |  |  | - |  |  |  | 3,323,708 |
Construction |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Speculative |  |  | 93,170 |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | 93,170 |
Non-speculative |  |  | 23,287 |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | 23,287 |
SFR mortgage |  |  | 272,767 |  |  |  | 2,158 |  |  |  | 3,360 |  |  |  | - |  |  |  | 278,285 |
Dairy & livestock and agribusiness |  |  | 239,481 |  |  |  | 54,003 |  |  |  | 8,268 |  |  |  | - |  |  |  | 301,752 |
Municipal lease finance receivables |  |  | 59,481 |  |  |  | 504 |  |  |  | - |  |  |  | - |  |  |  | 59,985 |
Consumer and other loans |  |  | 118,706 |  |  |  | 1,019 |  |  |  | 1,054 |  |  |  | - |  |  |  | 120,779 |
Total gross loans |  | $ | 7,289,937 |  |  | $ | 200,835 |  |  | $ | 49,396 |  |  | $ | - |  |  | $ | 7,540,168 |
| (1) | Includes $ 19.9 million of classified loans acquired from CB in the third quarter of 2018.
|  | December 31, 2018 (1)
|  | Pass |  | Special Mention |  | Substandard (2) |  | Doubtful & Loss |  | Total |
|  | (Dollars in thousands)
Commercial and industrial |  | $ | 961,909 |  |  | $ | 29,358 |  |  | $ | 10,942 |  |  | $ | - |  |  | $ | 1,002,209 |
SBA |  |  | 336,033 |  |  |  | 7,375 |  |  |  | 6,635 |  |  |  | - |  |  |  | 350,043 |
Real estate: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial real estate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Owner occupied |  |  | 2,008,169 |  |  |  | 95,841 |  |  |  | 13,980 |  |  |  | - |  |  |  | 2,117,990 |
Non-owner occupied |  |  | 3,260,822 |  |  |  | 9,938 |  |  |  | 5,479 |  |  |  | - |  |  |  | 3,276,239 |
Construction |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Speculative |  |  | 118,233 |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | 118,233 |
Non-speculative |  |  | 4,549 |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | 4,549 |
SFR mortgage |  |  | 289,607 |  |  |  | 3,310 |  |  |  | 3,587 |  |  |  | - |  |  |  | 296,504 |
Dairy & livestock and agribusiness |  |  | 350,044 |  |  |  | 34,586 |  |  |  | 9,213 |  |  |  | - |  |  |  | 393,843 |
Municipal lease finance receivables |  |  | 63,650 |  |  |  | 536 |  |  |  | - |  |  |  | - |  |  |  | 64,186 |
Consumer and other loans |  |  | 126,085 |  |  |  | 1,263 |  |  |  | 1,081 |  |  |  | - |  |  |  | 128,429 |
Total gross loans |  | $ | 7,519,101 |  |  | $ | 182,207 |  |  | $ | 50,917 |  |  | $ | - |  |  | $ | 7,752,225 |
| (1) | Excludes PCI loans of $17.2 million as of December 31, 2018, of which $15.8 million were rated pass, $1.2 million were rated special mention, $224,000 were rated substandard, and zero were rated doubtful & loss.
| (2) | Includes $19.0 million of classified loans acquired from CB in the third quarter of 2018.
Schedule of Balance and Activity Related to Allowance for Loan Losses for Held-for-Investment Loans by Type | The following tables present the balance and activity related to the allowance for loan losses for held-for-investment loans by type for the periods presented.
|  | For the Three Months Ended June 30, 2019
|  | Ending Balance March 31, 2019 |  | Charge-offs |  | Recoveries |  | Provision for (Recapture of) Loan Losses |  | Ending Balance June 30, 2019 |
|  | (Dollars in thousands)
Commercial and industrial |  | $ | 7,608 |  |  | $ | (48 | ) |  | $ | 49 |  |  | $ | 248 |  |  | $ | 7,857 |
SBA |  |  | 1,294 |  |  |  | (210 | ) |  |  | 4 |  |  |  | 31 |  |  |  | 1,119 |
Real estate: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial real estate |  |  | 46,227 |  |  |  | - |  |  |  | - |  |  |  | 2,060 |  |  |  | 48,287 |
Construction |  |  | 864 |  |  |  | - |  |  |  | 3 |  |  |  | 4 |  |  |  | 871 |
SFR mortgage |  |  | 2,189 |  |  |  | - |  |  |  | 115 |  |  |  | 19 |  |  |  | 2,323 |
Dairy & livestock and agribusiness |  |  | 5,699 |  |  |  | - |  |  |  | 19 |  |  |  | (377 | ) |  |  | 5,341 |
Municipal lease finance receivables |  |  | 738 |  |  |  | - |  |  |  | - |  |  |  | (12 | ) |  |  | 726 |
Consumer and other loans |  |  | 582 |  |  |  | (3 | ) |  |  | 2 |  |  |  | 27 |  |  |  | 608 |
Total allowance for loan losses |  | $ | 65,201 |  |  | $ | (261 | ) |  | $ | 192 |  |  | $ | 2,000 |  |  | $ | 67,132 |
|  | For the Three Months Ended June 30, 2018
|  | Ending Balance March 31, 2018 |  | Charge-offs |  | Recoveries |  | (Recapture of) Provision for Loan Losses |  | Ending Balance June 30, 2018 |
|  | (Dollars in thousands)
Commercial and industrial |  | $ | 7,499 |  |  | $ | - |  |  | $ | 27 |  |  | $ | (556 | ) |  | $ | 6,970 |
SBA |  |  | 884 |  |  |  | - |  |  |  | 5 |  |  |  | (48 | ) |  |  | 841 |
Real estate: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial real estate |  |  | 41,863 |  |  |  | - |  |  |  | - |  |  |  | 734 |  |  |  | 42,597 |
Construction |  |  | 987 |  |  |  | - |  |  |  | 596 |  |  |  | (580 | ) |  |  | 1,003 |
SFR mortgage |  |  | 2,202 |  |  |  | - |  |  |  | - |  |  |  | (47 | ) |  |  | 2,155 |
Dairy & livestock and agribusiness |  |  | 4,666 |  |  |  | - |  |  |  | 19 |  |  |  | (334 | ) |  |  | 4,351 |
Municipal lease finance receivables |  |  | 834 |  |  |  | - |  |  |  | - |  |  |  | (26 | ) |  |  | 808 |
Consumer and other loans |  |  | 688 |  |  |  | (2 | ) |  |  | 3 |  |  |  | (47 | ) |  |  | 642 |
PCI loans |  |  | 312 |  |  |  | - |  |  |  | - |  |  |  | (96 | ) |  |  | 216 |
Total allowance for loan losses |  | $ | 59,935 |  |  | $ | (2 | ) |  | $ | 650 |  |  | $ | (1,000 | ) |  | $ | 59,583 |
|  | For the Six Months Ended June 30, 2019
|  | Ending Balance December 31, 2018 |  | Charge-offs |  | Recoveries |  | Provision for (Recapture of) Loan Losses |  | Ending Balance June 30, 2019 |
|  | (Dollars in thousands)
Commercial and industrial |  | $ | 7,528 |  |  | $ | (48 | ) |  | $ | 159 |  |  | $ | 218 |  |  | $ | 7,857 |
SBA |  |  | 1,078 |  |  |  | (230 | ) |  |  | 9 |  |  |  | 262 |  |  |  | 1,119 |
Real estate: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial real estate |  |  | 45,097 |  |  |  | - |  |  |  | - |  |  |  | 3,190 |  |  |  | 48,287 |
Construction |  |  | 981 |  |  |  | - |  |  |  | 6 |  |  |  | (116 | ) |  |  | 871 |
SFR mortgage |  |  | 2,197 |  |  |  | - |  |  |  | 183 |  |  |  | (57 | ) |  |  | 2,323 |
Dairy & livestock and agribusiness |  |  | 5,225 |  |  |  | (78 | ) |  |  | 19 |  |  |  | 175 |  |  |  | 5,341 |
Municipal lease finance receivables |  |  | 775 |  |  |  | - |  |  |  | - |  |  |  | (49 | ) |  |  | 726 |
Consumer and other loans |  |  | 732 |  |  |  | (4 | ) |  |  | 3 |  |  |  | (123 | ) |  |  | 608 |
Total allowance for loan losses |  | $ | 63,613 |  |  | $ | (360 | ) |  | $ | 379 |  |  | $ | 3,500 |  |  | $ | 67,132 |
|  | For the Six Months Ended June 30, 2018
|  | Ending Balance December 31, 2017 |  | Charge-offs |  | Recoveries |  | (Recapture of) Provision for Loan Losses |  | Ending Balance June 30, 2018 |
|  | (Dollars in thousands)
Commercial and industrial |  | $ | 7,280 |  |  | $ | - |  |  | $ | 37 |  |  | $ | (347 | ) |  | $ | 6,970 |
SBA |  |  | 869 |  |  |  | - |  |  |  | 10 |  |  |  | (38 | ) |  |  | 841 |
Real estate: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial real estate |  |  | 41,722 |  |  |  | - |  |  |  | - |  |  |  | 875 |  |  |  | 42,597 |
Construction |  |  | 984 |  |  |  | - |  |  |  | 1,930 |  |  |  | (1,911 | ) |  |  | 1,003 |
SFR mortgage |  |  | 2,112 |  |  |  | - |  |  |  | - |  |  |  | 43 |  |  |  | 2,155 |
Dairy & livestock and agribusiness |  |  | 4,647 |  |  |  | - |  |  |  | 19 |  |  |  | (315 | ) |  |  | 4,351 |
Municipal lease finance receivables |  |  | 851 |  |  |  | - |  |  |  | - |  |  |  | (43 | ) |  |  | 808 |
Consumer and other loans |  |  | 753 |  |  |  | (9 | ) |  |  | 11 |  |  |  | (113 | ) |  |  | 642 |
PCI loans |  |  | 367 |  |  |  | - |  |  |  | - |  |  |  | (151 | ) |  |  | 216 |
Total allowance for loan losses |  | $ | 59,585 |  |  | $ | (9 | ) |  | $ | 2,007 |  |  | $ | (2,000 | ) |  | $ | 59,583 |
Schedule of Recorded Investment in Loans Held-for-Investment and Related Allowance for Loan Losses by Loan Type |
| June 30, 2019
|  | Recorded Investment in Loans |  | Allowance for Loan Losses
|  | Individually Evaluated for Impairment |  | Collectively Evaluated for Impairment |  |  | Individually Evaluated for Impairment |  | Collectively Evaluated for Impairment |
| (Dollars in thousands)
Commercial and industrial |  | $ | 2,088 |  |  | $ | 915,865 |  |  |  | $ | 276 |  |  | $ | 7,581 |
SBA |  |  | 5,632 |  |  |  | 321,974 |  |  |  |  | 93 |  |  |  | 1,026 |
Real estate: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial real estate |  |  | 1,531 |  |  |  | 5,415,820 |  |  |  |  | - |  |  |  | 48,287 |
Construction |  |  | - |  |  |  | 116,457 |  |  |  |  | - |  |  |  | 871 |
SFR mortgage |  |  | 4,858 |  |  |  | 273,427 |  |  |  |  | - |  |  |  | 2,323 |
Dairy & livestock and agribusiness |  |  | - |  |  |  | 301,752 |  |  |  |  | - |  |  |  | 5,341 |
Municipal lease finance receivables |  |  | - |  |  |  | 59,985 |  |  |  |  | - |  |  |  | 726 |
Consumer and other loans |  |  | 397 |  |  |  | 120,382 |  |  |  |  | 2 |  |  |  | 606 |
Total |  | $ | 14,506 |  |  | $ | 7,525,662 |  |  |  | $ | 371 |  |  | $ | 66,761 |
|  | June 30, 2018
|  | Recorded Investment in Loans |  | Allowance for Loan Losses
|  | Individually Evaluated for Impairment |  | Collectively Evaluated for Impairment |  | Acquired with Deterioriated Credit Quality |  | Individually Evaluated for Impairment |  | Collectively Evaluated for Impairment |  | Acquired with Deterioriated Credit Quality |
|  | (Dollars in thousands)
Commercial and industrial |  | $ | 355 |  |  | $ | 508,833 |  |  | $ | - |  |  | $ | - |  |  | $ | 6,970 |  |  | $ | - |
SBA |  |  | 1,174 |  |  |  | 119,874 |  |  |  | - |  |  |  | - |  |  |  | 841 |  |  |  | - |
Real estate: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial real estate |  |  | 7,741 |  |  |  | 3,446,289 |  |  |  | - |  |  |  | - |  |  |  | 42,597 |  |  |  | - |
Construction |  |  | - |  |  |  | 84,400 |  |  |  | - |  |  |  | - |  |  |  | 1,003 |  |  |  | - |
SFR mortgage |  |  | 4,133 |  |  |  | 233,021 |  |  |  | - |  |  |  | 13 |  |  |  | 2,142 |  |  |  | - |
Dairy & livestock and agribusiness |  |  | 800 |  |  |  | 267,689 |  |  |  | - |  |  |  | - |  |  |  | 4,351 |  |  |  | - |
Municipal lease finance receivables |  |  | - |  |  |  | 67,721 |  |  |  | - |  |  |  | - |  |  |  | 808 |  |  |  | - |
Consumer and other loans |  |  | 509 |  |  |  | 60,366 |  |  |  | - |  |  |  | 3 |  |  |  | 639 |  |  |  | - |
PCI loans |  |  | - |  |  |  | - |  |  |  | 19,426 |  |  |  | - |  |  |  | - |  |  |  | 216 |
Total |  | $ | 14,712 |  |  | $ | 4,788,193 |  |  | $ | 19,426 |  |  | $ | 16 |  |  | $ | 59,351 |  |  | $ | 216 |
Schedule of Recorded Investment in, and Aging of, Past Due and Nonaccrual Loans, Excluding PCI Loans by Class of Loans |
|  | June 30, 2019 |
|  | 30-59 Days Past Due |  |  | 60-89 Days Past Due |  |  | Total Past Due and Accruing |  |  | Nonaccrual (1) (3) |  |  | Current |  |  | Total Loans and Financing Receivables |
|  | (Dollars in thousands) |
Commercial and industrial |  | $ | 300 |  |  | $ | 10 |  |  | $ | 310 |  |  | $ | 1,993 |  |  | $ | 915,650 |  |  | $ | 917,953 |
SBA |  |  | - |  |  |  | - |  |  |  | - |  |  |  | 5,082 |  |  |  | 322,524 |  |  |  | 327,606 |
Real estate: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial real estate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Owner occupied |  |  | - |  |  |  | - |  |  |  | - |  |  |  | 502 |  |  |  | 2,093,141 |  |  |  | 2,093,643 |
Non-owner occupied |  |  | - |  |  |  | - |  |  |  | - |  |  |  | 593 |  |  |  | 3,323,115 |  |  |  | 3,323,708 |
Construction |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Speculative (2) |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | 93,170 |  |  |  | 93,170 |
Non-speculative |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | 23,287 |  |  |  | 23,287 |
SFR mortgage |  |  | - |  |  |  | - |  |  |  | - |  |  |  | 2,720 |  |  |  | 275,565 |  |  |  | 278,285 |
Dairy & livestock and agribusiness |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | 301,752 |  |  |  | 301,752 |
Municipal lease finance receivables |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | 59,985 |  |  |  | 59,985 |
Consumer and other loans |  |  | 22 |  |  |  | - |  |  |  | 22 |  |  |  | 397 |  |  |  | 120,360 |  |  |  | 120,779 |
Total gross loans |  | $ | 322 |  |  | $ | 10 |  |  | $ | 332 |  |  | $ | 11,287 |  |  | $ | 7,528,549 |  |  | $ | 7,540,168 |
| (1) | As of June 30, 2019, $2.8 million of nonaccruing loans were current, $360,000 were 30-59 days past due, $ 832,000 were 60-89 days past due and $7.3 million were 90+ days past due.
| (2) | Speculative construction loans are generally for properties where there is no identified buyer or renter.
| (3) | Includes $8.4 million of nonaccrual loans acquired from CB in the third quarter of 2018.
|  | December 31, 2018 (1)
|  | 30-59 Days Past Due |  | 60-89 Days Past Due |  | Total Past Due and Accruing |  | Nonaccrual (2) (4) |  | Current |  | Total Loans and Financing Receivables |
|  | (Dollars in thousands)
Commercial and industrial |  | $ | 820 |  |  | $ | 89 |  |  | $ | 909 |  |  | $ | 7,490 |  |  | $ | 993,810 |  |  | $ | 1,002,209 |
SBA |  |  | 1,172 |  |  |  | 135 |  |  |  | 1,307 |  |  |  | 2,892 |  |  |  | 345,844 |  |  |  | 350,043 |
Real estate: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial real estate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Owner occupied |  |  | 2,439 |  |  |  | 350 |  |  |  | 2,789 |  |  |  | 589 |  |  |  | 2,114,612 |  |  |  | 2,117,990 |
Non-owner occupied |  |  | - |  |  |  | - |  |  |  | - |  |  |  | 5,479 |  |  |  | 3,270,760 |  |  |  | 3,276,239 |
Construction |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Speculative (3) |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | 118,233 |  |  |  | 118,233 |
Non-speculative |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | 4,549 |  |  |  | 4,549 |
SFR mortgage |  |  | - |  |  |  | 285 |  |  |  | 285 |  |  |  | 2,937 |  |  |  | 293,282 |  |  |  | 296,504 |
Dairy & livestock and agribusiness |  |  | - |  |  |  | - |  |  |  | - |  |  |  | 78 |  |  |  | 393,765 |  |  |  | 393,843 |
Municipal lease finance receivables |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | 64,186 |  |  |  | 64,186 |
Consumer and other loans |  |  | - |  |  |  | - |  |  |  | - |  |  |  | 486 |  |  |  | 127,943 |  |  |  | 128,429 |
Total gross loans |  | $ | 4,431 |  |  | $ | 859 |  |  | $ | 5,290 |  |  | $ | 19,951 |  |  | $ | 7,726,984 |  |  | $ | 7,752,225 |
| (1) | Excludes PCI loans.
| (2) | As of December 31, 2018, $2.3 million of nonaccruing loans were current, $33,000 were 30-59 days past due, $57,000 were 60-89 days past due and $17.6 million were 90+ days past due.
| (3) | Speculative construction loans are generally for properties where there is no identified buyer or renter.
| (4) | Includes $12.3 million of nonaccrual loans acquired from CB in the third quarter of 2018.
|  | As of and For the Six Months Ended June 30, 2018 (1)
|  | Recorded Investment |  | Unpaid Principal Balance |  | Related Allowance |  | Average Recorded Investment |  | Interest Income Recognized |
|  | (Dollars in thousands)
With no related allowance recorded: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial and industrial |  | $ | 355 |  |  | $ | 864 |  |  | $ | - |  |  | $ | 378 |  |  | $ | 4 |
SBA |  |  | 1,174 |  |  |  | 1,302 |  |  |  | - |  |  |  | 1,204 |  |  |  | 23 |
Real estate: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial real estate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Owner occupied |  |  | 4,294 |  |  |  | 4,747 |  |  |  | - |  |  |  | 4,331 |  |  |  | - |
Non-owner occupied |  |  | 3,447 |  |  |  | 4,894 |  |  |  | - |  |  |  | 3,565 |  |  |  | 44 |
Construction |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Speculative |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |
Non-speculative |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |
SFR mortgage |  |  | 4,120 |  |  |  | 4,860 |  |  |  | - |  |  |  | 4,159 |  |  |  | 55 |
Dairy & livestock and agribusiness |  |  | 800 |  |  |  | 1,091 |  |  |  | - |  |  |  | 819 |  |  |  | - |
Municipal lease finance receivables |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |
Consumer and other loans |  |  | 506 |  |  |  | 716 |  |  |  | - |  |  |  | 568 |  |  |  | - |
Total |  |  | 14,696 |  |  |  | 18,474 |  |  |  | - |  |  |  | 15,024 |  |  |  | 126 |
With a related allowance recorded: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial and industrial |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |
SBA |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |
Real estate: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial real estate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Owner occupied |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |
Non-owner occupied |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |
Construction |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Speculative |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |
Non-speculative |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |
SFR mortgage |  |  | 13 |  |  |  | 13 |  |  |  | 13 |  |  |  | 13 |  |  |  | - |
Dairy & livestock and agribusiness |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |
Municipal lease finance receivables |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |
Consumer and other loans |  |  | 3 |  |  |  | 3 |  |  |  | 3 |  |  |  | 3 |  |  |  | - |
Total |  |  | 16 |  |  |  | 16 |  |  |  | 16 |  |  |  | 16 |  |  |  | - |
Total impaired loans |  | $ | 14,712 |  |  | $ | 18,490 |  |  | $ | 16 |  |  | $ | 15,040 |  |  | $ | 126 |
| (1) | Excludes PCI loans.
Schedule of Held-for-Investment Loans, Individually Evaluated for Impairment by Class of Loans |
|  | As of and For the Six Months Ended June 30, 2019
|  | Recorded Investment |  | Unpaid Principal Balance |  | Related Allowance |  | Average Recorded Investment |  | Interest Income Recognized |
|  | (Dollars in thousands)
With no related allowance recorded: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial and industrial |  | $ | 898 |  |  | $ | 1,033 |  |  | $ | - |  |  | $ | 1,022 |  |  | $ | 2 |
SBA |  |  | 4,369 |  |  |  | 5,714 |  |  |  | - |  |  |  | 3,703 |  |  |  | 21 |
Real estate: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial real estate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Owner occupied |  |  | 502 |  |  |  | 616 |  |  |  | - |  |  |  | 515 |  |  |  | - |
Non-owner occupied |  |  | 1,029 |  |  |  | 1,209 |  |  |  | - |  |  |  | 1,068 |  |  |  | 14 |
Construction |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Speculative |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |
Non-speculative |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |
SFR mortgage |  |  | 4,858 |  |  |  | 5,467 |  |  |  | - |  |  |  | 4,893 |  |  |  | 42 |
Dairy & livestock and agribusiness |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |
Municipal lease finance receivables |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |
Consumer and other loans |  |  | 395 |  |  |  | 518 |  |  |  | - |  |  |  | 407 |  |  |  | - |
Total |  |  | 12,051 |  |  |  | 14,557 |  |  |  | - |  |  |  | 11,608 |  |  |  | 79 |
With a related allowance recorded: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial and industrial |  |  | 1,190 |  |  |  | 1,263 |  |  |  | 276 |  |  |  | 1,251 |  |  |  | - |
SBA |  |  | 1,263 |  |  |  | 1,534 |  |  |  | 93 |  |  |  | 1,179 |  |  |  | - |
Real estate: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial real estate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Owner occupied |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |
Non-owner occupied |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |
Construction |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Speculative |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |
Non-speculative |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |
SFR mortgage |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |
Dairy & livestock and agribusiness |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |
Municipal lease finance receivables |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |
Consumer and other loans |  |  | 2 |  |  |  | 3 |  |  |  | 2 |  |  |  | 2 |  |  |  | - |
Total |  |  | 2,455 |  |  |  | 2,800 |  |  |  | 371 |  |  |  | 2,432 |  |  |  | - |
Total impaired loans |  | $ | 14,506 |  |  | $ | 17,357 |  |  | $ | 371 |  |  | $ | 14,040 |  |  | $ | 79 |
|  | As of December 31, 2018 (1)
|  | Recorded Investment |  | Unpaid Principal Balance |  | Related Allowance |
|  | (Dollars in thousands)
With no related allowance recorded: |  |  |  |  |  |  |  |  |  |  |  |
Commercial and industrial |  | $ | 7,436 |  |  | $ | 11,457 |  |  | $ | - |
SBA |  |  | 3,467 |  |  |  | 5,746 |  |  |  | - |
Real estate: |  |  |  |  |  |  |  |  |  |  |  |
Commercial real estate |  |  |  |  |  |  |  |  |  |  |  |
Owner occupied |  |  | 589 |  |  |  | 705 |  |  |  | - |
Non-owner occupied |  |  | 2,808 |  |  |  | 4,324 |  |  |  | - |
Construction |  |  |  |  |  |  |  |  |  |  |  |
Speculative |  |  | - |  |  |  | - |  |  |  | - |
Non-speculative |  |  | - |  |  |  | - |  |  |  | - |
SFR mortgage |  |  | 5,349 |  |  |  | 6,270 |  |  |  | - |
Dairy & livestock and agribusiness |  |  | - |  |  |  | - |  |  |  | - |
Municipal lease finance receivables |  |  | - |  |  |  | - |  |  |  | - |
Consumer and other loans |  |  | 418 |  |  |  | 526 |  |  |  | - |
Total |  |  | 20,067 |  |  |  | 29,028 |  |  |  | - |
With a related allowance recorded: |  |  |  |  |  |  |  |  |  |  |  |
Commercial and industrial |  |  | 189 |  |  |  | 191 |  |  |  | 3 |
SBA |  |  | - |  |  |  | - |  |  |  | - |
Real estate: |  |  |  |  |  |  |  |  |  |  |  |
Commercial real estate |  |  |  |  |  |  |  |  |  |  |  |
Owner occupied |  |  | - |  |  |  | - |  |  |  | - |
Non-owner occupied |  |  | 3,143 |  |  |  | 3,144 |  |  |  | 478 |
Construction |  |  |  |  |  |  |  |  |  |  |  |
Speculative |  |  | - |  |  |  | - |  |  |  | - |
Non-speculative |  |  | - |  |  |  | - |  |  |  | - |
SFR mortgage |  |  | - |  |  |  | - |  |  |  | - |
Dairy & livestock and agribusiness |  |  | 78 |  |  |  | 78 |  |  |  | 12 |
Municipal lease finance receivables |  |  | - |  |  |  | - |  |  |  | - |
Consumer and other loans |  |  | 68 |  |  |  | 100 |  |  |  | 68 |
Total |  |  | 3,478 |  |  |  | 3,513 |  |  |  | 561 |
Total impaired loans |  | $ | 23,545 |  |  | $ | 32,541 |  |  | $ | 561 |
| (1) | Excludes PCI loans.
Summary of Activity Related to Troubled Debt Restructurings | The following table provides a summary of the activity related to TDRs for the periods presented.
|  | For the Three Months Ended June 30, |  |  | For the Six Months Ended June 30, |
|  | 2019 |  |  | 2018 (1) |  |  | 2019 |  |  | 2018 (1) |
|  | (Dollars in thousands) |
Performing TDRs: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Beginning balance |  | $ | 3,299 |  |  | $ | 4,285 |  |  | $ | 3,594 |  |  | $ | 4,809 |
New modifications |  |  | - |  |  |  | 311 |  |  |  | - |  |  |  | 311 |
Payoffs/payments, net and other |  |  | (80 | ) |  |  | (66 | ) |  |  | (375 | ) |  |  | (590 | )
TDRs returned to accrual status |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |
TDRs placed on nonaccrual status |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |
Ending balance |  | $ | 3,219 |  |  | $ | 4,530 |  |  | $ | 3,219 |  |  | $ | 4,530 |
Nonperforming TDRs: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Beginning balance |  | $ | 277 |  |  | $ | 3,909 |  |  | $ | 3,509 |  |  | $ | 4,200 |
New modifications |  |  | - |  |  |  | 38 |  |  |  | - |  |  |  | 38 |
Charge-offs |  |  | - |  |  |  | - |  |  |  | (78 | ) |  |  | - |
Transfer to OREO |  |  | - |  |  |  | - |  |  |  | (2,275 | ) |  |  | - |
Payoffs/payments, net and other |  |  | (14 | ) |  |  | (55 | ) |  |  | (893 | ) |  |  | (346 | )
TDRs returned to accrual status |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |
TDRs placed on nonaccrual status |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |
Ending balance |  | $ | 263 |  |  | $ | 3,892 |  |  | $ | 263 |  |  | $ | 3,892 |
Total TDRs |  | $ | 3,482 |  |  | $ | 8,422 |  |  | $ | 3,482 |  |  | $ | 8,422 |
| (1) | Excludes PCI loans.
Summary of Loans Modified as Troubled Debt Restructurings | The following tables summarize loans modified as TDRs for the periods presented. Modifications (1)
|  | For the Three Months Ended June 30, 2018 (2)
|  | Number of Loans |  | Pre-Modification Outstanding Recorded Investment |  | Post-Modification Outstanding Recorded Investment |  | Outstanding Recorded Investment at June 30, 2018 |  | Financial Effect Resulting From Modifications (3) |
|  | (Dollars in thousands)
Commercial and industrial: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Interest rate reduction |  |  | - |  |  | $ | - |  |  | $ | - |  |  | $ | - |  |  | $ | - |
Change in amortization period or maturity |  |  | 1 |  |  |  | 38 |  |  |  | 38 |  |  |  | 31 |  |  |  | - |
Real estate: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial real estate: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Owner occupied |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Interest rate reduction |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |
Change in amortization period or maturity |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |
Non-owner occupied |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Interest rate reduction |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |
Change in amortization period or maturity |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |
SFR mortgage: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Interest rate reduction |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |
Change in amortization period or maturity |  |  | 1 |  |  |  | 311 |  |  |  | 311 |  |  |  | 307 |  |  |  | - |
Consumer: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Interest rate reduction |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |
Change in amortization period or maturity |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |
Total loans |  |  | 2 |  |  | $ | 349 |  |  | $ | 349 |  |  | $ | 338 |  |  | $ | - |
|  | For the Six Months Ended June 30, 2018 (2)
|  | Number of Loans |  | Pre-Modification Outstanding Recorded Investment |  | Post-Modification Outstanding Recorded Investment |  | Outstanding Recorded Investment at June 30, 2018 |  | Financial Effect Resulting From Modifications (3) |
|  | (Dollars in thousands)
Commercial and industrial: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Interest rate reduction |  |  | - |  |  | $ | - |  |  | $ | - |  |  | $ | - |  |  | $ | - |
Change in amortization period or maturity |  |  | 1 |  |  |  | 38 |  |  |  | 38 |  |  |  | 31 |  |  |  | - |
Real estate: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial real estate: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Owner occupied |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Interest rate reduction |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |
Change in amortization period or maturity |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |
Non-owner occupied |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Interest rate reduction |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |
Change in amortization period or maturity |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |
SFR mortgage: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Interest rate reduction |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |
Change in amortization period or maturity |  |  | 1 |  |  |  | 311 |  |  |  | 311 |  |  |  | 307 |  |  |  | - |
Consumer: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Interest rate reduction |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |
Change in amortization period or maturity |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |
Total loans |  |  | 2 |  |  | $ | 349 |  |  | $ | 349 |  |  | $ | 338 |  |  | $ | - |
| (1) | The tables above exclude modified loans that were paid off prior to the end of the period.
| (2) | Excludes PCI loans.
| (3) | Financial effects resulting from modifications represent charge-offs and specific allowance recorded at modification date.

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