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Loans and Lease Finance Receivables and Allowance for Loan Losses (Tables) | 12 Months Ended
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Dec. 31, 2019
Receivables [Abstract] |
Summary of Components of Loans and Lease Finance Receivables, Excluding PCI Loans | The following table provides a summary of total loans and lease finance receivables by type.
|  | December 31, 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 |  | $ | 935,127 |  |  | $ | 1,002,209 |  |  | $ | 519 |  |  | $ | 1,002,728 |
SBA |  |  | 305,008 |  |  |  | 350,043 |  |  |  | 1,258 |  |  |  | 351,301 |
Real estate: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial real estate |  |  | 5,374,617 |  |  |  | 5,394,229 |  |  |  | 14,407 |  |  |  | 5,408,636 |
Construction |  |  | 116,925 |  |  |  | 122,782 |  |  |  | - |  |  |  | 122,782 |
SFR mortgage |  |  | 283,468 |  |  |  | 296,504 |  |  |  | 145 |  |  |  | 296,649 |
Dairy & livestock and agribusiness |  |  | 383,709 |  |  |  | 393,843 |  |  |  | 700 |  |  |  | 394,543 |
Municipal lease finance receivables |  |  | 53,146 |  |  |  | 64,186 |  |  |  | - |  |  |  | 64,186 |
Consumer and other loans |  |  | 116,319 |  |  |  | 128,429 |  |  |  | 185 |  |  |  | 128,614 |
Gross loans |  |  | 7,568,319 |  |  |  | 7,752,225 |  |  |  | 17,214 |  |  |  | 7,769,439 |
Less: Deferred loan fees, net |  |  | (3,742 | ) |  |  | (4,828 | ) |  |  | - |  |  |  | (4,828 | )
Gross loans, net of deferred loan fees |  |  | 7,564,577 |  |  |  | 7,747,397 |  |  |  | 17,214 |  |  |  | 7,764,611 |
Less: Allowance for loan losses |  |  | (68,660 | ) |  |  | (63,409 | ) |  |  | (204 | ) |  |  | (63,613 | )
Total loans and lease finance receivables |  | $ | 7,495,917 |  |  | $ | 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 as of the dates presented.
|  | December 31, 2019 |
|  | Pass |  |  | Special Mention |  |  | Substandard (1) |  |  | Doubtful & Loss |  |  | Total |
|  | (Dollars in thousands) |
Commercial and industrial |  | $ | 895,234 |  |  | $ | 35,473 |  |  | $ | 4,420 |  |  | $ | - |  |  | $ | 935,127 |
SBA |  |  | 283,430 |  |  |  | 11,032 |  |  |  | 10,546 |  |  |  | - |  |  |  | 305,008 |
Real estate: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial real estate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Owner occupied |  |  | 1,977,007 |  |  |  | 78,208 |  |  |  | 28,435 |  |  |  | - |  |  |  | 2,083,650 |
Non-owner occupied |  |  | 3,280,580 |  |  |  | 10,005 |  |  |  | 382 |  |  |  | - |  |  |  | 3,290,967 |
Construction |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Speculative |  |  | 106,895 |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | 106,895 |
Non-speculative |  |  | 10,030 |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | 10,030 |
SFR mortgage |  |  | 280,010 |  |  |  | 1,957 |  |  |  | 1,501 |  |  |  | - |  |  |  | 283,468 |
Dairy & livestock and agribusiness |  |  | 320,670 |  |  |  | 35,920 |  |  |  | 27,119 |  |  |  | - |  |  |  | 383,709 |
Municipal lease finance receivables |  |  | 52,676 |  |  |  | 470 |  |  |  | - |  |  |  | - |  |  |  | 53,146 |
Consumer and other loans |  |  | 114,870 |  |  |  | 421 |  |  |  | 1,028 |  |  |  | - |  |  |  | 116,319 |
Total gross loans |  | $ | 7,321,402 |  |  | $ | 173,486 |  |  | $ | 73,431 |  |  | $ | - |  |  | $ | 7,568,319 |
| (1) | Includes $26.8 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.
|  | Year Ended December 31, 2019 |
|  | Ending Balance December 31, 2018 |  |  | Charge-offs |  |  | Recoveries |  |  | Provision for (Recapture of) Loan Losses |  |  | Ending Balance December 31, 2019 |
|  | (Dollars in thousands) |
Commercial and industrial |  | $ | 7,528 |  |  | $ | (48 | ) |  | $ | 255 |  |  | $ | 1,145 |  |  | $ | 8,880 |
SBA |  |  | 1,078 |  |  |  | (321 | ) |  |  | 9 |  |  |  | 687 |  |  |  | 1,453 |
Real estate: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial real estate |  |  | 45,097 |  |  |  | - |  |  |  | - |  |  |  | 3,532 |  |  |  | 48,629 |
Construction |  |  | 981 |  |  |  | - |  |  |  | 12 |  |  |  | (135 | ) |  |  | 858 |
SFR mortgage |  |  | 2,197 |  |  |  | - |  |  |  | 196 |  |  |  | (54 | ) |  |  | 2,339 |
Dairy & livestock and agribusiness |  |  | 5,225 |  |  |  | (78 | ) |  |  | 19 |  |  |  | 89 |  |  |  | 5,255 |
Municipal lease finance receivables |  |  | 775 |  |  |  | - |  |  |  | - |  |  |  | (152 | ) |  |  | 623 |
Consumer and other loans |  |  | 732 |  |  |  | (7 | ) |  |  | 10 |  |  |  | (112 | ) |  |  | 623 |
Total allowance for loan losses |  | $ | 63,613 |  |  | $ | (454 | ) |  | $ | 501 |  |  | $ | 5,000 |  |  | $ | 68,660 |
|  | Year Ended December 31, 2018 |
|  | Ending Balance December 31, 2017 |  |  | Charge-offs |  |  | Recoveries |  |  | Provision for (Recapture of) Loan Losses |  |  | Ending Balance December 31, 2018 |
|  | (Dollars in thousands) |
Commercial and industrial |  | $ | 7,280 |  |  | $ | (10 | ) |  | $ | 82 |  |  | $ | 168 |  |  | $ | 7,520 |
SBA |  |  | 869 |  |  |  | (257 | ) |  |  | 20 |  |  |  | 430 |  |  |  | 1,062 |
Real estate: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial real estate |  |  | 41,722 |  |  |  | - |  |  |  | - |  |  |  | 3,212 |  |  |  | 44,934 |
Construction |  |  | 984 |  |  |  | - |  |  |  | 2,506 |  |  |  | (2,509 | ) |  |  | 981 |
SFR mortgage |  |  | 2,112 |  |  |  | (13 | ) |  |  | 51 |  |  |  | 46 |  |  |  | 2,196 |
Dairy & livestock and agribusiness |  |  | 4,647 |  |  |  | - |  |  |  | 19 |  |  |  | 549 |  |  |  | 5,215 |
Municipal lease finance receivables |  |  | 851 |  |  |  | - |  |  |  | - |  |  |  | (76 | ) |  |  | 775 |
Consumer and other loans |  |  | 753 |  |  |  | (11 | ) |  |  | 141 |  |  |  | (157 | ) |  |  | 726 |
PCI loans |  |  | 367 |  |  |  | - |  |  |  | - |  |  |  | (163 | ) |  |  | 204 |
Total allowance for loan losses |  | $ | 59,585 |  |  | $ | (291 | ) |  | $ | 2,819 |  |  | $ | 1,500 |  |  | $ | 63,613 |
|  | Year Ended December 31, 2017 |
|  | Ending Balance December 31, 2016 |  |  | Charge-offs |  |  | Recoveries |  |  | (Recapture of) Provision for Loan Losses |  |  | Ending Balance December 31, 2017 |
|  | (Dollars in thousands) |
Commercial and industrial |  | $ | 8,154 |  |  | $ | (138 | ) |  | $ | 118 |  |  | $ | (854 | ) |  | $ | 7,280 |
SBA |  |  | 871 |  |  |  | - |  |  |  | 78 |  |  |  | (80 | ) |  |  | 869 |
Real estate: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial real estate |  |  | 37,443 |  |  |  | - |  |  |  | 154 |  |  |  | 4,125 |  |  |  | 41,722 |
Construction |  |  | 1,096 |  |  |  | - |  |  |  | 6,036 |  |  |  | (6,148 | ) |  |  | 984 |
SFR mortgage |  |  | 2,287 |  |  |  | - |  |  |  | 212 |  |  |  | (387 | ) |  |  | 2,112 |
Dairy & livestock and agribusiness |  |  | 8,541 |  |  |  | - |  |  |  | 19 |  |  |  | (3,913 | ) |  |  | 4,647 |
Municipal lease finance receivables |  |  | 941 |  |  |  | - |  |  |  | - |  |  |  | (90 | ) |  |  | 851 |
Consumer and other loans |  |  | 988 |  |  |  | (13 | ) |  |  | 79 |  |  |  | (301 | ) |  |  | 753 |
PCI loans |  |  | 1,219 |  |  |  | - |  |  |  | - |  |  |  | (852 | ) |  |  | 367 |
Total allowance for loan losses |  | $ | 61,540 |  |  | $ | (151 | ) |  | $ | 6,696 |  |  | $ | (8,500 | ) |  | $ | 59,585 |
Schedule of Recorded Investment in Loans Held-for-Investment and Related Allowance for Loan Losses by Loan Type |
|  | December 31, 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 |  | $ | 1,344 |  |  | $ | 933,783 |  |  | $ | 251 |  |  | $ | 8,629 |
SBA |  |  | 2,568 |  |  |  | 302,440 |  |  |  | 257 |  |  |  | 1,196 |
Real estate: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial real estate |  |  | 1,121 |  |  |  | 5,373,496 |  |  |  | - |  |  |  | 48,629 |
Construction |  |  | - |  |  |  | 116,925 |  |  |  | - |  |  |  | 858 |
SFR mortgage |  |  | 2,979 |  |  |  | 280,489 |  |  |  | - |  |  |  | 2,339 |
Dairy & livestock and agribusiness |  |  | - |  |  |  | 383,709 |  |  |  | - |  |  |  | 5,255 |
Municipal lease finance receivables |  |  | - |  |  |  | 53,146 |  |  |  | - |  |  |  | 623 |
Consumer and other loans |  |  | 377 |  |  |  | 115,942 |  |  |  | - |  |  |  | 623 |
Total |  | $ | 8,389 |  |  | $ | 7,559,930 |  |  | $ | 508 |  |  | $ | 68,152 |
|  | December 31, 2018 |
|  | Recorded Investment in Loans |  |  | Allowance for Loan Losses |
|  | Individually Evaluated for Impairment |  |  | Collectively Evaluated for Impairment |  |  | Acquired with Deteriorated Credit Quality |  |  | Individually Evaluated for Impairment |  |  | Collectively Evaluated for Impairment |  |  | Acquired with Deteriorated Credit Quality |
|  | (Dollars in thousands) |
Commercial and industrial |  | $ | 7,625 |  |  | $ | 994,584 |  |  | $ | - |  |  | $ | 3 |  |  | $ | 7,517 |  |  | $ | - |
SBA |  |  | 3,467 |  |  |  | 346,576 |  |  |  | - |  |  |  | - |  |  |  | 1,062 |  |  |  | - |
Real estate: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial real estate |  |  | 6,540 |  |  |  | 5,387,689 |  |  |  | - |  |  |  | 478 |  |  |  | 44,456 |  |  |  | - |
Construction |  |  | - |  |  |  | 122,782 |  |  |  | - |  |  |  | - |  |  |  | 981 |  |  |  | - |
SFR mortgage |  |  | 5,349 |  |  |  | 291,155 |  |  |  | - |  |  |  | - |  |  |  | 2,196 |  |  |  | - |
Dairy & livestock and agribusiness |  |  | 78 |  |  |  | 393,765 |  |  |  | - |  |  |  | 12 |  |  |  | 5,203 |  |  |  | - |
Municipal lease finance receivables |  |  | - |  |  |  | 64,186 |  |  |  | - |  |  |  | - |  |  |  | 775 |  |  |  | - |
Consumer and other loans |  |  | 486 |  |  |  | 127,943 |  |  |  | - |  |  |  | 68 |  |  |  | 658 |  |  |  | - |
PCI loans |  |  | - |  |  |  | - |  |  |  | 17,214 |  |  |  | - |  |  |  | - |  |  |  | 204 |
Total |  | $ | 23,545 |  |  | $ | 7,728,680 |  |  | $ | 17,214 |  |  | $ | 561 |  |  | $ | 62,848 |  |  | $ | 204 |
Schedule of Recorded Investment in, and Aging of, Past Due and Nonaccrual Loans, Excluding PCI Loans by Class of Loans | The following tables present the recorded investment in, and the aging of, past due and nonaccrual loans, by type of loans as of the dates presented.
|  | December 31, 2019 |
|  | 30-59 Days Past Due |  |  | 60-89 Days Past Due |  |  | Total Past Due and Accruing |  |  | Nonaccrual (1) (3) (4) |  |  | Current |  |  | Total Loans and Financing Receivables |
|  | (Dollars in thousands) |
Commercial and industrial |  | $ | 2 |  |  | $ | - |  |  | $ | 2 |  |  | $ | 1,266 |  |  | $ | 933,859 |  |  | $ | 935,127 |
SBA |  |  | 870 |  |  |  | 532 |  |  |  | 1,402 |  |  |  | 2,032 |  |  |  | 301,574 |  |  |  | 305,008 |
Real estate: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial real estate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Owner occupied |  |  | - |  |  |  | - |  |  |  | - |  |  |  | 479 |  |  |  | 2,083,171 |  |  |  | 2,083,650 |
Non-owner occupied |  |  | - |  |  |  | - |  |  |  | - |  |  |  | 245 |  |  |  | 3,290,722 |  |  |  | 3,290,967 |
Construction |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Speculative (2) |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | 106,895 |  |  |  | 106,895 |
Non-speculative |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | 10,030 |  |  |  | 10,030 |
SFR mortgage |  |  | 6 |  |  |  | 243 |  |  |  | 249 |  |  |  | 878 |  |  |  | 282,341 |  |  |  | 283,468 |
Dairy & livestock and agribusiness |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | 383,709 |  |  |  | 383,709 |
Municipal lease finance receivables |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | 53,146 |  |  |  | 53,146 |
Consumer and other loans |  |  | - |  |  |  | - |  |  |  | - |  |  |  | 377 |  |  |  | 115,942 |  |  |  | 116,319 |
Total gross loans, excluding PCI loans |  | $ | 878 |  |  | $ | 775 |  |  | $ | 1,653 |  |  | $ | 5,277 |  |  | $ | 7,561,389 |  |  | $ | 7,568,319 |
| (1) | As of December 31, 2019, $1.2 million of nonaccruing loans were current, $59,000 were 30-59 days past due, $1.1 million were 60-89 days past due , and $2.9 million were 90+ days past due.
| (2) | Speculative construction loans are generally for properties where there is no identified buyer or renter.
| (3) | Includes $3.5 million of nonaccrual loans acquired from CB in the third quarter of 2018.
| (4) | Excludes $2.0 million of guaranteed portion of nonaccrual SBA loans that are in process of collection.
|  | 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, excluding PCI 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.
Schedule of Held-for-Investment Loans, Individually Evaluated for Impairment by Class of Loans | The following tables present information for held-for-investment loans, individually evaluated for impairment by type of loans, as of and for the periods presented.
|  | Year Ended December 31, 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 |  | $ | 1,091 |  |  | $ | 1,261 |  |  | $ | - |  |  | $ | 1,369 |  |  | $ | 4 |
SBA |  |  | 2,243 |  |  |  | 2,734 |  |  |  | - |  |  |  | 2,389 |  |  |  | 41 |
Real estate: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial real estate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Owner occupied |  |  | 479 |  |  |  | 613 |  |  |  | - |  |  |  | 505 |  |  |  | - |
Non-owner occupied |  |  | 642 |  |  |  | 643 |  |  |  | - |  |  |  | 681 |  |  |  | 26 |
Construction |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Speculative |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |
Non-speculative |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |
SFR mortgage |  |  | 2,979 |  |  |  | 3,310 |  |  |  | - |  |  |  | 3,043 |  |  |  | 86 |
Dairy & livestock and agribusiness |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |
Municipal lease finance receivables |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |
Consumer and other loans |  |  | 377 |  |  |  | 514 |  |  |  | - |  |  |  | 396 |  |  |  | - |
Total |  |  | 7,811 |  |  |  | 9,075 |  |  |  | - |  |  |  | 8,383 |  |  |  | 157 |
With a related allowance recorded: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial and industrial |  |  | 253 |  |  |  | 347 |  |  |  | 251 |  |  |  | 699 |  |  |  | - |
SBA |  |  | 325 |  |  |  | 324 |  |  |  | 257 |  |  |  | 327 |  |  |  | - |
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 |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |
Total |  |  | 578 |  |  |  | 671 |  |  |  | 508 |  |  |  | 1,026 |  |  |  | - |
Total impaired loans |  | $ | 8,389 |  |  | $ | 9,746 |  |  | $ | 508 |  |  | $ | 9,409 |  |  | $ | 157 |
|  | Year Ended December 31, 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 |  | $ | 7,436 |  |  | $ | 11,457 |  |  | $ | - |  |  | $ | 7,718 |  |  | $ | 7 |
SBA |  |  | 3,467 |  |  |  | 5,746 |  |  |  | - |  |  |  | 3,919 |  |  |  | 44 |
Real estate: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial real estate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Owner occupied |  |  | 589 |  |  |  | 705 |  |  |  | - |  |  |  | 624 |  |  |  | - |
Non-owner occupied |  |  | 2,808 |  |  |  | 4,324 |  |  |  | - |  |  |  | 4,585 |  |  |  | 32 |
Construction |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Speculative |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |
Non-speculative |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |
SFR mortgage |  |  | 5,349 |  |  |  | 6,270 |  |  |  | - |  |  |  | 5,484 |  |  |  | 80 |
Dairy & livestock and agribusiness |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |
Municipal lease finance receivables |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |
Consumer and other loans |  |  | 418 |  |  |  | 526 |  |  |  | - |  |  |  | 459 |  |  |  | - |
Total |  |  | 20,067 |  |  |  | 29,028 |  |  |  | - |  |  |  | 22,789 |  |  |  | 163 |
With a related allowance recorded: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial and industrial |  |  | 189 |  |  |  | 191 |  |  |  | 3 |  |  |  | 203 |  |  |  | - |
SBA |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |
Real estate: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial real estate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Owner occupied |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |
Non-owner occupied |  |  | 3,143 |  |  |  | 3,144 |  |  |  | 478 |  |  |  | 3,144 |  |  |  | - |
Construction |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Speculative |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |
Non-speculative |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |
SFR mortgage |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |
Dairy & livestock and agribusiness |  |  | 78 |  |  |  | 78 |  |  |  | 12 |  |  |  | 78 |  |  |  | - |
Municipal lease finance receivables |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |
Consumer and other loans |  |  | 68 |  |  |  | 100 |  |  |  | 68 |  |  |  | 76 |  |  |  | - |
Total |  |  | 3,478 |  |  |  | 3,513 |  |  |  | 561 |  |  |  | 3,501 |  |  |  | - |
Total impaired loans |  | $ | 23,545 |  |  | $ | 32,541 |  |  | $ | 561 |  |  | $ | 26,290 |  |  | $ | 163 |
|  | Ye ar Ended December 31, 2017 (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 |  | $ | 440 |  |  | $ | 980 |  |  | $ | - |  |  | $ | 548 |  |  | $ | 10 |
SBA |  |  | 1,530 |  |  |  | 1,699 |  |  |  | - |  |  |  | 1,598 |  |  |  | 47 |
Real estate: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial real estate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Owner occupied |  |  | 4,365 |  |  |  | 4,763 |  |  |  | - |  |  |  | 4,414 |  |  |  | 36 |
Non-owner occupied |  |  | 3,768 |  |  |  | 5,107 |  |  |  | - |  |  |  | 3,951 |  |  |  | 94 |
Construction |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Speculative |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |
Non-speculative |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |
SFR mortgage |  |  | 4,040 |  |  |  | 4,692 |  |  |  | - |  |  |  | 4,119 |  |  |  | 118 |
Dairy & livestock and agribusiness |  |  | 829 |  |  |  | 1,091 |  |  |  | - |  |  |  | 988 |  |  |  | 1 |
Municipal lease finance receivables |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |
Consumer and other loans |  |  | 174 |  |  |  | 370 |  |  |  | - |  |  |  | 202 |  |  |  | - |
Total |  |  | 15,146 |  |  |  | 18,702 |  |  |  | - |  |  |  | 15,820 |  |  |  | 306 |
With a related allowance recorded: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial and industrial |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |
SBA |  |  | 1 |  |  |  | 18 |  |  |  | 1 |  |  |  | 6 |  |  |  | - |
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 |  |  | 378 |  |  |  | 391 |  |  |  | 74 |  |  |  | 385 |  |  |  | - |
Total |  |  | 379 |  |  |  | 409 |  |  |  | 75 |  |  |  | 391 |  |  |  | - |
Total impaired loans |  | $ | 15,525 |  |  | $ | 19,111 |  |  | $ | 75 |  |  | $ | 16,211 |  |  | $ | 306 |
Summary of Activity Related to Troubled Debt Restructurings | The following table provides a summary of the activity related to TDRs for the periods presented.
|  | Year Ended December 31, |
|  | 2019 |  |  | 2018 (1) |
|  | (Dollars in thousands) |
Performing TDRs: |  |  |  |  |  |  |  |
Beginning balance |  | $ | 3,594 |  |  | $ | 4,809 |
New modifications |  |  | - |  |  |  | 311 |
Payoffs/payments, net and other |  |  | (482 | ) |  |  | (1,526 | )
TDRs returned to accrual status |  |  | - |  |  |  | - |
TDRs placed on nonaccrual status |  |  | - |  |  |  | - |
Ending balance |  | $ | 3,112 |  |  | $ | 3,594 |
Nonperforming TDRs: |  |  |  |  |  |  |  |
Beginning balance |  | $ | 3,509 |  |  | $ | 4,200 |
New modifications |  |  | - |  |  |  | 316 |
Charge-offs |  |  | (78 | ) |  |  | - |
Transfer to OREO |  |  | (2,275 | ) |  |  | - |
Payoffs/payments, net and other |  |  | (912 | ) |  |  | (1,007 | )
TDRs returned to accrual status |  |  | - |  |  |  | - |
TDRs placed on nonaccrual status |  |  | - |  |  |  | - |
Ending balance |  | $ | 244 |  |  | $ | 3,509 |
Total TDRs |  | $ | 3,356 |  |  | $ | 7,103 |
| (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)
|  | Year Ended December 31, 2018 (2) |
|  | Number of Loans |  |  | Pre-Modification Outstanding Recorded Investment |  |  | Post-Modification Outstanding Recorded Investment |  |  | Outstanding Recorded Investment at December 31, 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 |  |  |  | 20 |  |  |  | - |
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 |  |  |  | 300 |  |  |  | - |
Dairy & livestock and agribusiness: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Interest rate reduction |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |
Change in amortization period or maturity |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |
Consumer: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Interest rate reduction |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |
Change in amortization period or maturity |  |  | 1 |  |  |  | 278 |  |  |  | 278 |  |  |  | 267 |  |  |  | - |
Total loans |  |  | 3 |  |  | $ | 627 |  |  | $ | 627 |  |  | $ | 587 |  |  | $ | - |
|  | Year Ended December 31, 2017 (2) |
|  | Number of Loans |  |  | Pre-Modification Outstanding Recorded Investment |  |  | Post-Modification Outstanding Recorded Investment |  |  | Outstanding Recorded Investment at December 31, 2017 |  |  | Financial Effect Resulting From Modifications ( 3 ) |
|  | (Dollars in thousands) |
Commercial and industrial: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Interest rate reduction |  |  | - |  |  | $ | - |  |  | $ | - |  |  | $ | - |  |  | $ | - |
Change in amortization period or maturity |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |
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 |  |  | 1 |  |  |  | 3,143 |  |  |  | 3,143 |  |  |  | 3,143 |  |  |  | - |
SFR mortgage: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Interest rate reduction |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |
Change in amortization period or maturity |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |
Dairy & livestock and agribusiness: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Interest rate reduction |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |
Change in amortization period or maturity |  |  | 1 |  |  |  | 1,984 |  |  |  | 1,984 |  |  |  | 78 |  |  |  | - |
Consumer: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Interest rate reduction |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |
Change in amortization period or maturity |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |
Total loans |  |  | 2 |  |  | $ | 5,127 |  |  | $ | 5,127 |  |  | $ | 3,221 |  |  | $ | - |
| (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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