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Loans and Lease Finance Receivables and Allowance for Credit Losses (Tables) | 12 Months Ended
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Dec. 31, 2020
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, |
|  | 2020 |  |  | 2019 |
|  | (Dollars in thousands) |
Commercial real estate |  | $ | 5,501,509 |  |  | $ | 5,374,617 |
Construction |  |  | 85,145 |  |  |  | 116,925 |
SBA |  |  | 303,896 |  |  |  | 305,008 |
SBA - Paycheck Protection Program (PPP) |  |  | 882,986 |  |  |  | - |
Commercial and industrial |  |  | 812,062 |  |  |  | 935,127 |
Dairy & livestock and agribusiness |  |  | 361,146 |  |  |  | 383,709 |
Municipal lease finance receivables |  |  | 45,547 |  |  |  | 53,146 |
SFR mortgage |  |  | 270,511 |  |  |  | 283,468 |
Consumer and other loans |  |  | 86,006 |  |  |  | 116,319 |
Total loans |  |  | 8,348,808 |  |  |  | 7,568,319 |
Less: Deferred loan fees, net (1) |  |  | - |  |  |  | (3,742 | )
Total loans, net of deferred loan fees |  |  | 8,348,808 |  |  |  | 7,564,577 |
Less: Allowance for credit losses |  |  | (93,692 | ) |  |  | (68,660 | )
Total loans and lease finance receivables, net |  | $ | 8,255,116 |  |  | $ | 7,495,917 |
| (1) | Beginning with March 31, 2020, gross loans are presented net of deferred loan fees by respective class of financing receivables.
Summary of loans by type and origination year, according to our internal risk ratings | The following table summarizes loans by type, according to our internal risk ratings as of the dates presented.
|  | Origination Year |  |  | Revolving loans amortized cost basis |  |  | Revolving loans converted to term loans |  |  |  |
December 31, 2020 |  | 2020 |  |  | 2019 |  |  | 2018 |  |  | 2017 |  |  | 2016 |  |  | Prior |  |  | Total |
|  | (Dollars in thousands) |
Commercial real estate loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Risk Rating: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass |  | $ | 979,499 |  |  | $ | 691,091 |  |  | $ | 607,753 |  |  | $ | 617,640 |  |  | $ | 550,105 |  |  | $ | 1,646,876 |  |  | $ | 192,583 |  |  | $ | 24,548 |  |  | $ | 5,310,095 |
Special Mention |  |  | 9,332 |  |  |  | 7,162 |  |  |  | 30,049 |  |  |  | 43,870 |  |  |  | 17,398 |  |  |  | 49,840 |  |  |  | 5,720 |  |  |  | 994 |  |  |  | 164,365 |
Substandard |  |  | - |  |  |  | 491 |  |  |  | 2,157 |  |  |  | 7,382 |  |  |  | 2,528 |  |  |  | 13,790 |  |  |  | 360 |  |  |  | 341 |  |  |  | 27,049 |
Doubtful & Loss |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |
Total Commercial real estate loans: |  | $ | 988,831 |  |  | $ | 698,744 |  |  | $ | 639,959 |  |  | $ | 668,892 |  |  | $ | 570,031 |  |  | $ | 1,710,506 |  |  | $ | 198,663 |  |  | $ | 25,883 |  |  | $ | 5,501,509 |
Construction loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Risk Rating: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass |  | $ | 14,511 |  |  | $ | 9,350 |  |  | $ | 14,945 |  |  | $ | 2,258 |  |  | $ | - |  |  | $ | 4 |  |  | $ | 44,077 |  |  | $ | - |  |  | $ | 85,145 |
Special Mention |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |
Substandard |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |
Doubtful & Loss |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |
Total Construction loans: |  | $ | 14,511 |  |  | $ | 9,350 |  |  | $ | 14,945 |  |  | $ | 2,258 |  |  | $ | - |  |  | $ | 4 |  |  | $ | 44,077 |  |  | $ | - |  |  | $ | 85,145 |
SBA loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Risk Rating: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass |  | $ | 47,901 |  |  | $ | 12,821 |  |  | $ | 44,950 |  |  | $ | 58,839 |  |  | $ | 26,136 |  |  | $ | 86,085 |  |  | $ | - |  |  | $ | 2,976 |  |  | $ | 279,708 |
Special Mention |  |  | - |  |  |  | - |  |  |  | - |  |  |  | 5,446 |  |  |  | 1,336 |  |  |  | 5,648 |  |  |  | - |  |  |  | - |  |  |  | 12,430 |
Substandard |  |  | - |  |  |  | - |  |  |  | 904 |  |  |  | 5,503 |  |  |  | 1,554 |  |  |  | 3,797 |  |  |  | - |  |  |  | - |  |  |  | 11,758 |
Doubtful & Loss |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |
Total SBA loans: |  | $ | 47,901 |  |  | $ | 12,821 |  |  | $ | 45,854 |  |  | $ | 69,788 |  |  | $ | 29,026 |  |  | $ | 95,530 |  |  | $ | - |  |  | $ | 2,976 |  |  | $ | 303,896 |
SBA - PPP loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Risk Rating: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass |  | $ | 882,986 |  |  | $ | - |  |  | $ | - |  |  | $ | - |  |  | $ | - |  |  | $ | - |  |  | $ | - |  |  | $ | - |  |  | $ | 882,986 |
Special Mention |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |
Substandard |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |
Doubtful & Loss |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |
Total SBA - PPP loans: |  | $ | 882,986 |  |  | $ | - |  |  | $ | - |  |  | $ | - |  |  | $ | - |  |  | $ | - |  |  | $ | - |  |  | $ | - |  |  | $ | 882,986 |
Commercial and industrial loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Risk Rating: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass |  | $ | 104,478 |  |  | $ | 168,050 |  |  | $ | 62,453 |  |  | $ | 56,043 |  |  | $ | 32,149 |  |  | $ | 76,019 |  |  | $ | 257,250 |  |  | $ | 6,058 |  |  | $ | 762,500 |
Special Mention |  |  | 1,995 |  |  |  | 1,081 |  |  |  | 1,892 |  |  |  | 1,028 |  |  |  | 95 |  |  |  | 4,882 |  |  |  | 17,395 |  |  |  | 1,132 |  |  |  | 29,500 |
Substandard |  |  | 4,346 |  |  |  | 860 |  |  |  | 3,996 |  |  |  | 2,282 |  |  |  | 285 |  |  |  | 94 |  |  |  | 6,677 |  |  |  | 1,522 |  |  |  | 20,062 |
Doubtful & Loss |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |
Total Commercial and industrial loans: |  | $ | 110,819 |  |  | $ | 169,991 |  |  | $ | 68,341 |  |  | $ | 59,353 |  |  | $ | 32,529 |  |  | $ | 80,995 |  |  | $ | 281,322 |  |  | $ | 8,712 |  |  | $ | 812,062 |
Dairy & livestock and agribusiness loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Risk Rating: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass |  | $ | 1,041 |  |  | $ | 1,765 |  |  | $ | 1,199 |  |  | $ | 5,680 |  |  | $ | 120 |  |  | $ | 320 |  |  | $ | 319,211 |  |  | $ | 363 |  |  | $ | 329,699 |
Special Mention |  |  | 878 |  |  |  | - |  |  |  | 364 |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | 13,255 |  |  |  | 1,511 |  |  |  | 16,008 |
Substandard |  |  | - |  |  |  | - |  |  |  | 784 |  |  |  | 693 |  |  |  | 2,285 |  |  |  | - |  |  |  | - |  |  |  | 11,677 |  |  |  | 15,439 |
Doubtful & Loss |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |
Total Dairy & livestock and agribusiness loans: |  | $ | 1,919 |  |  | $ | 1,765 |  |  | $ | 2,347 |  |  | $ | 6,373 |  |  | $ | 2,405 |  |  | $ | 320 |  |  | $ | 332,466 |  |  | $ | 13,551 |  |  | $ | 361,146 |
Municipal lease finance receivables loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Risk Rating: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass |  | $ | 8,478 |  |  | $ | - |  |  | $ | 2,556 |  |  | $ | 10,249 |  |  | $ | 3,586 |  |  | $ | 20,266 |  |  | $ | - |  |  | $ | - |  |  | $ | 45,135 |
Special Mention |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | 412 |  |  |  | - |  |  |  | - |  |  |  | 412 |
Substandard |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |
Doubtful & Loss |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |
Total Municipal lease finance receivables loans: |  | $ | 8,478 |  |  | $ | - |  |  | $ | 2,556 |  |  | $ | 10,249 |  |  | $ | 3,586 |  |  | $ | 20,678 |  |  | $ | - |  |  | $ | - |  |  | $ | 45,547 |
|  |  | Origination Year |  |  | Revolving loans amortized cost basis |  |  | Revolving loans converted to term loans |  |  |  |
December 31, 2020 |  |  | 2020 |  |  | 2019 |  |  | 2018 |  |  | 2017 |  |  | 2016 |  |  | Prior |  |  | Total |
|  |  | (Dollars in thousands) |
SFR mortgage loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Risk Rating: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass |  |  | $ | 65,463 |  |  | $ | 59,596 |  |  | $ | 29,142 |  |  | $ | 22,452 |  |  | $ | 27,192 |  |  | $ | 62,593 |  |  | $ | 3 |  |  | $ | - |  |  | $ | 266,441 |
Special Mention |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | 452 |  |  |  | - |  |  |  | - |  |  |  | 452 |
Substandard |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | 229 |  |  |  | 2,957 |  |  |  | - |  |  |  | 432 |  |  |  | 3,618 |
Doubtful & Loss |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |
Total SFR mortgage loans: |  |  | $ | 65,463 |  |  | $ | 59,596 |  |  | $ | 29,142 |  |  | $ | 22,452 |  |  | $ | 27,421 |  |  | $ | 66,002 |  |  | $ | 3 |  |  | $ | 432 |  |  | $ | 270,511 |
Consumer and other loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Risk Rating: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass |  |  | $ | 8,557 |  |  | $ | 2,077 |  |  | $ | 871 |  |  | $ | 969 |  |  | $ | 1,586 |  |  | $ | 961 |  |  | $ | 67,774 |  |  | $ | 1,688 |  |  | $ | 84,483 |
Special Mention |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | 91 |  |  |  | 517 |  |  |  | 22 |  |  |  | 630 |
Substandard |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | 172 |  |  |  | - |  |  |  | 721 |  |  |  | 893 |
Doubtful & Loss |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |
Total Consumer and other loans: |  |  | $ | 8,557 |  |  | $ | 2,077 |  |  | $ | 871 |  |  | $ | 969 |  |  | $ | 1,586 |  |  | $ | 1,224 |  |  | $ | 68,291 |  |  | $ | 2,431 |  |  | $ | 86,006 |
Gross loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Risk Rating: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass |  |  | $ | 2,112,914 |  |  | $ | 944,750 |  |  | $ | 763,869 |  |  | $ | 774,130 |  |  | $ | 640,874 |  |  | $ | 1,893,124 |  |  | $ | 880,898 |  |  | $ | 35,633 |  |  | $ | 8,046,192 |
Special Mention |  |  |  | 12,205 |  |  |  | 8,243 |  |  |  | 32,305 |  |  |  | 50,344 |  |  |  | 18,829 |  |  |  | 61,325 |  |  |  | 36,887 |  |  |  | 3,659 |  |  |  | 223,797 |
Substandard |  |  |  | 4,346 |  |  |  | 1,351 |  |  |  | 7,841 |  |  |  | 15,860 |  |  |  | 6,881 |  |  |  | 20,810 |  |  |  | 7,037 |  |  |  | 14,693 |  |  |  | 78,819 |
Doubtful & Loss |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |
Total Gross loans: |  |  | $ | 2,129,465 |  |  | $ | 954,344 |  |  | $ | 804,015 |  |  | $ | 840,334 |  |  | $ | 666,584 |  |  | $ | 1,975,259 |  |  | $ | 924,822 |  |  | $ | 53,985 |  |  | $ | 8,348,808 |
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 date presented.
|  | December 31, 2019 |
|  | Pass |  |  | Special Mention |  |  | Substandard |  |  | Doubtful & Loss |  |  | Total |
|  | (Dollars in thousands) |
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 |
SBA |  |  | 283,430 |  |  |  | 11,032 |  |  |  | 10,546 |  |  |  | - |  |  |  | 305,008 |
Commercial and industrial |  |  | 895,234 |  |  |  | 35,473 |  |  |  | 4,420 |  |  |  | - |  |  |  | 935,127 |
Dairy & livestock and agribusiness |  |  | 320,670 |  |  |  | 35,920 |  |  |  | 27,119 |  |  |  | - |  |  |  | 383,709 |
Municipal lease finance receivables |  |  | 52,676 |  |  |  | 470 |  |  |  | - |  |  |  | - |  |  |  | 53,146 |
SFR mortgage |  |  | 280,010 |  |  |  | 1,957 |  |  |  | 1,501 |  |  |  | - |  |  |  | 283,468 |
Consumer and other loans |  |  | 114,870 |  |  |  | 421 |  |  |  | 1,028 |  |  |  | - |  |  |  | 116,319 |
Total gross loans |  | $ | 7,321,402 |  |  | $ | 173,486 |  |  | $ | 73,431 |  |  | $ | - |  |  | $ | 7,568,319 |
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 credit losses for held-for-investment loans by type for the periods presented.
|  | Year Ended December 31, 2020 |
|  | Ending Balance, prior to adoption of ASU 2016-13 December 31, 2019 |  |  | Impact of Adoption of ASU 2016-13 |  |  | Charge- offs |  |  | Recoveries |  |  | Provision for (Recapture of) Credit Losses |  |  | Ending Balance December 31, 2020 |
|  | (Dollars in thousands) |  |  |  |
Commercial real estate |  | $ | 48,629 |  |  | $ | 3,547 |  |  | $ | - |  |  | $ | - |  |  | $ | 23,263 |  |  | $ | 75,439 |
Construction |  |  | 858 |  |  |  | 655 |  |  |  | - |  |  |  | 11 |  |  |  | 410 |  |  |  | 1,934 |
SBA |  |  | 1,453 |  |  |  | 1,818 |  |  |  | (362 | ) |  |  | 72 |  |  |  | 11 |  |  |  | 2,992 |
SBA - PPP |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |
Commercial and industrial |  |  | 8,880 |  |  |  | (2,442 | ) |  |  | (195 | ) |  |  | 10 |  |  |  | 889 |  |  |  | 7,142 |
Dairy & livestock and agribusiness |  |  | 5,255 |  |  |  | (186 | ) |  |  | - |  |  |  | - |  |  |  | (1,120 | ) |  |  | 3,949 |
Municipal lease finance receivables |  |  | 623 |  |  |  | (416 | ) |  |  | - |  |  |  | - |  |  |  | (133 | ) |  |  | 74 |
SFR mortgage |  |  | 2,339 |  |  |  | (2,043 | ) |  |  | - |  |  |  | 206 |  |  |  | (135 | ) |  |  | 367 |
Consumer and other loans |  |  | 623 |  |  |  | 907 |  |  |  | (109 | ) |  |  | 59 |  |  |  | 315 |  |  |  | 1,795 |
Total allowance for credit losses |  | $ | 68,660 |  |  | $ | 1,840 |  |  | $ | (666 | ) |  | $ | 358 |  |  | $ | 23,500 |  |  | $ | 93,692 |
|  | 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 real estate |  | $ | 45,097 |  |  | $ | - |  |  | $ | - |  |  | $ | 3,532 |  |  | $ | 48,629 |
Construction |  |  | 981 |  |  |  | - |  |  |  | 12 |  |  |  | (135 | ) |  |  | 858 |
SBA |  |  | 1,078 |  |  |  | (321 | ) |  |  | 9 |  |  |  | 687 |  |  |  | 1,453 |
Commercial and industrial |  |  | 7,528 |  |  |  | (48 | ) |  |  | 255 |  |  |  | 1,145 |  |  |  | 8,880 |
Dairy & livestock and agribusiness |  |  | 5,225 |  |  |  | (78 | ) |  |  | 19 |  |  |  | 89 |  |  |  | 5,255 |
Municipal lease finance receivables |  |  | 775 |  |  |  | - |  |  |  | - |  |  |  | (152 | ) |  |  | 623 |
SFR mortgage |  |  | 2,197 |  |  |  | - |  |  |  | 196 |  |  |  | (54 | ) |  |  | 2,339 |
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 real estate |  | $ | 41,722 |  |  | $ | - |  |  | $ | - |  |  | $ | 3,212 |  |  | $ | 44,934 |
Construction |  |  | 984 |  |  |  | - |  |  |  | 2,506 |  |  |  | (2,509 | ) |  |  | 981 |
SBA |  |  | 869 |  |  |  | (257 | ) |  |  | 20 |  |  |  | 430 |  |  |  | 1,062 |
Commercial and industrial |  |  | 7,280 |  |  |  | (10 | ) |  |  | 82 |  |  |  | 168 |  |  |  | 7,520 |
Dairy & livestock and agribusiness |  |  | 4,647 |  |  |  | - |  |  |  | 19 |  |  |  | 549 |  |  |  | 5,215 |
Municipal lease finance receivables |  |  | 851 |  |  |  | - |  |  |  | - |  |  |  | (76 | ) |  |  | 775 |
SFR mortgage |  |  | 2,112 |  |  |  | (13 | ) |  |  | 51 |  |  |  | 46 |  |  |  | 2,196 |
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 |
Schedule of Recorded Investment in Loans Held-for-Investment and Related Allowance for Loan Losses by Loan Type | The following table presents the recorded investment in loans held-for-investment and the related ACL by loan type, based on the Company’s methodology for determining the ACL for the periods presented.
|  | 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 real estate |  | $ | 1,121 |  |  | $ | 5,373,496 |  |  | $ | - |  |  | $ | 48,629 |
Construction |  |  | - |  |  |  | 116,925 |  |  |  | - |  |  |  | 858 |
SBA |  |  | 2,568 |  |  |  | 302,440 |  |  |  | 257 |  |  |  | 1,196 |
Commercial and industrial |  |  | 1,344 |  |  |  | 933,783 |  |  |  | 251 |  |  |  | 8,629 |
Dairy & livestock and agribusiness |  |  | - |  |  |  | 383,709 |  |  |  | - |  |  |  | 5,255 |
Municipal lease finance receivables |  |  | - |  |  |  | 53,146 |  |  |  | - |  |  |  | 623 |
SFR mortgage |  |  | 2,979 |  |  |  | 280,489 |  |  |  | - |  |  |  | 2,339 |
Consumer and other loans |  |  | 377 |  |  |  | 115,942 |  |  |  | - |  |  |  | 623 |
Total |  | $ | 8,389 |  |  | $ | 7,559,930 |  |  | $ | 508 |  |  | $ | 68,152 |
Schedule of Recorded Investment in, and Aging of, Past Due and Nonaccrual Loans, Excluding PCI Loans by Class of Loans | The following table presents the recorded investment in, and the aging of, past due loans (including nonaccrual loans), by type of loans as of the date presented.
|  | December 31, 2020 |
|  | 30-59 Days Past Due |  |  | 60-89 Days Past Due |  |  | Greater than 89 Days Past Due |  |  | Total Past Due |  |  | Loans Not Past Due |  |  | Total Loans and Financing Receivables |
|  | (Dollars in thousands) |
Commercial real estate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Owner occupied |  | $ | - |  |  | $ | - |  |  | $ | 7,208 |  |  | $ | 7,208 |  |  | $ | 2,136,051 |  |  | $ | 2,143,259 |
Non-owner occupied |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | 3,358,250 |  |  |  | 3,358,250 |
Construction |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Speculative (1) |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | 72,126 |  |  |  | 72,126 |
Non-speculative |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | 13,019 |  |  |  | 13,019 |
SBA |  |  | 531 |  |  |  | 2,415 |  |  |  | 1,025 |  |  |  | 3,971 |  |  |  | 299,925 |  |  |  | 303,896 |
SBA - PPP |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | 882,986 |  |  |  | 882,986 |
Commercial and industrial |  |  | 608 |  |  |  | 811 |  |  |  | 2,338 |  |  |  | 3,757 |  |  |  | 808,305 |  |  |  | 812,062 |
Dairy & livestock and agribusiness |  |  | - |  |  |  | - |  |  |  | 784 |  |  |  | 784 |  |  |  | 360,362 |  |  |  | 361,146 |
Municipal lease finance receivables |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | 45,547 |  |  |  | 45,547 |
SFR mortgage |  |  | - |  |  |  | - |  |  |  | 229 |  |  |  | 229 |  |  |  | 270,282 |  |  |  | 270,511 |
Consumer and other loans |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | 86,006 |  |  |  | 86,006 |
Total gross loans |  | $ | 1,139 |  |  | $ | 3,226 |  |  | $ | 11,584 |  |  | $ | 15,949 |  |  | $ | 8,332,859 |  |  | $ | 8,348,808 |
| (1) | Speculative construction loans are generally for properties where there is no identified buyer or renter.
Following the adoption of CECL on January 1, 2020, the definitions of impairment and related impaired loan disclosures were removed. Under CECL, amortized cost of our finance receivables and loans that are on nonaccrual status, including loans with no allowance, are presented as of December 31, 2020 by type of loan.
|  | December 31, 2020 |
|  | Nonaccrual with No Allowance for Credit Losses |  |  | Total Nonaccrual (1) (3) |  |  | Loans Past Due Over 89 Days Still Accruing |
|  | (Dollars in thousands) |
Commercial real estate |  |  |  |  |  |  |  |  |  |  |  |
Owner occupied |  | $ | 7,563 |  |  | $ | 7,563 |  |  | $ | - |
Non-owner occupied |  |  | - |  |  |  | - |  |  |  | - |
Construction |  |  |  |  |  |  |  |  |  |  |  |
Speculative (2) |  |  | - |  |  |  | - |  |  |  | - |
Non-speculative |  |  | - |  |  |  | - |  |  |  | - |
SBA |  |  | 2,035 |  |  |  | 2,273 |  |  |  | - |
SBA - PPP |  |  | - |  |  |  | - |  |  |  | - |
Commercial and industrial |  |  | 1,576 |  |  |  | 3,129 |  |  |  | - |
Dairy & livestock and agribusiness |  |  | 785 |  |  |  | 785 |  |  |  | - |
Municipal lease finance receivables |  |  | 430 |  |  |  | - |  |  |  | - |
SFR mortgage |  |  | - |  |  |  | 430 |  |  |  | - |
Consumer and other loans |  |  | 167 |  |  |  | 167 |  |  |  | - |
Total gross loans |  | $ | 12,556 |  |  | $ | 14,347 |  |  | $ | - |
| (1) | As of December 31, 2020, $1.4 million of nonaccruing loans were current, $2,000 were 30-59 days past due, $1.3 million were 60-89 days past due, and $11.6 million were 90+ days past due.
| (2) | Speculative construction loans are generally for properties where there is no identified buyer or renter.
| (3) | Excludes $184,000 of guaranteed portion of nonaccrual SBA loans that are in process of collection.
The following table presents the recorded investment in, and the aging of, past due and nonaccrual loans, by type of loans as of the date presented.
|  | December 31, 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 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 |
SBA |  |  | 870 |  |  |  | 532 |  |  |  | 1,402 |  |  |  | 2,032 |  |  |  | 301,574 |  |  |  | 305,008 |
Commercial and industrial |  |  | 2 |  |  |  | - |  |  |  | 2 |  |  |  | 1,266 |  |  |  | 933,859 |  |  |  | 935,127 |
Dairy & livestock and agribusiness |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | 383,709 |  |  |  | 383,709 |
Municipal lease finance receivables |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | 53,146 |  |  |  | 53,146 |
SFR mortgage |  |  | 6 |  |  |  | 243 |  |  |  | 249 |  |  |  | 878 |  |  |  | 282,341 |  |  |  | 283,468 |
Consumer and other loans |  |  | - |  |  |  | - |  |  |  | - |  |  |  | 377 |  |  |  | 115,942 |  |  |  | 116,319 |
Total gross 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) | Excludes $2.0 million of guaranteed portion of nonaccrual SBA loans that are in process of collection.
Schedule of Held-for-Investment Loans, Individually Evaluated for Impairment by Class of Loans |
|  | As of and For the 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 real estate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Owner occupied |  | $ | 479 |  |  | $ | 613 |  |  | $ | - |  |  | $ | 505 |  |  | $ | - |
Non-owner occupied |  |  | 642 |  |  |  | 643 |  |  |  | - |  |  |  | 681 |  |  |  | 26 |
Construction |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Speculative |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |
Non-speculative |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |
SBA |  |  | 2,243 |  |  |  | 2,734 |  |  |  | - |  |  |  | 2,389 |  |  |  | 41 |
Commercial and industrial |  |  | 1,091 |  |  |  | 1,261 |  |  |  | - |  |  |  | 1,369 |  |  |  | 4 |
Dairy & livestock and agribusiness |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |
Municipal lease finance receivables |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |
SFR mortgage |  |  | 2,979 |  |  |  | 3,310 |  |  |  | - |  |  |  | 3,043 |  |  |  | 86 |
Consumer and other loans |  |  | 377 |  |  |  | 514 |  |  |  | - |  |  |  | 396 |  |  |  | - |
Total |  |  | 7,811 |  |  |  | 9,075 |  |  |  | - |  |  |  | 8,383 |  |  |  | 157 |
With a related allowance recorded: |
Commercial real estate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Owner occupied |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |
Non-owner occupied |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |
Construction |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Speculative |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |
Non-speculative |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |
SBA |  |  | 325 |  |  |  | 324 |  |  |  | 257 |  |  |  | 327 |  |  |  | - |
Commercial and industrial |  |  | 253 |  |  |  | 347 |  |  |  | 251 |  |  |  | 699 |  |  |  | - |
Dairy & livestock and agribusiness |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |
Municipal lease finance receivables |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |
SFR mortgage |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |
Consumer and other loans |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |
Total |  |  | 578 |  |  |  | 671 |  |  |  | 508 |  |  |  | 1,026 |  |  |  | - |
Total impaired loans |  | $ | 8,389 |  |  | $ | 9,746 |  |  | $ | 508 |  |  | $ | 9,409 |  |  | $ | 157 |
|  | As of and For the 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 real estate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Owner occupied |  | $ | 589 |  |  | $ | 705 |  |  | $ | - |  |  | $ | 624 |  |  | $ | - |
Non-owner occupied |  |  | 2,808 |  |  |  | 4,324 |  |  |  | - |  |  |  | 4,585 |  |  |  | 32 |
Construction |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Speculative |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |
Non-speculative |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |
SBA |  |  | 3,467 |  |  |  | 5,746 |  |  |  | - |  |  |  | 3,919 |  |  |  | 44 |
Commercial and industrial |  |  | 7,436 |  |  |  | 11,457 |  |  |  | - |  |  |  | 7,718 |  |  |  | 7 |
Dairy & livestock and agribusiness |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |
Municipal lease finance receivables |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |
SFR mortgage |  |  | 5,349 |  |  |  | 6,270 |  |  |  | - |  |  |  | 5,484 |  |  |  | 80 |
Consumer and other loans |  |  | 418 |  |  |  | 526 |  |  |  | - |  |  |  | 459 |  |  |  | - |
Total |  |  | 20,067 |  |  |  | 29,028 |  |  |  | - |  |  |  | 22,789 |  |  |  | 163 |
With a related allowance recorded: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial real estate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Owner occupied |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |
Non-owner occupied |  |  | 3,143 |  |  |  | 3,144 |  |  |  | 478 |  |  |  | 3,144 |  |  |  | - |
Construction |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Speculative |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |
Non-speculative |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |
SBA |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |
Commercial and industrial |  |  | 189 |  |  |  | 191 |  |  |  | 3 |  |  |  | 203 |  |  |  | - |
Dairy & livestock and agribusiness |  |  | 78 |  |  |  | 78 |  |  |  | 12 |  |  |  | 78 |  |  |  | - |
Municipal lease finance receivables |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |
SFR mortgage |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |
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 |
| (1) | Excludes PCI loans.
Summary of pledged assets not separately reported on statement of financial position | A loan is considered collateral-dependent when the borrower is experiencing financial difficulty and repayment is expected to be provided substantially through the operation or sale of the collateral. The following table presents the recorded investment in collateral-dependent loans by type of loans as of the date presented.
|  | December 31, 2020 |  |  | Number of Loans Dependent on Collateral |
|  | Real Estate |  |  | Business Assets |  |  | Other |
|  | (Dollars in thousands) |
Commercial real estate |  | $ | 7,883 |  |  | $ | - |  |  | $ | - |  |  |  | 8 |
Construction |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |
SBA |  |  | 1,761 |  |  |  | 326 |  |  |  | 185 |  |  |  | 10 |
SBA - PPP |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |
Commercial and industrial |  |  | 470 |  |  |  | 5,542 |  |  |  | 95 |  |  |  | 18 |
Dairy & livestock and agribusiness |  |  | - |  |  |  | 785 |  |  |  | - |  |  |  | 1 |
Municipal lease finance receivables |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |
SFR mortgage |  |  | 430 |  |  |  | - |  |  |  | - |  |  |  | 2 |
Consumer and other loans |  |  | 168 |  |  |  | - |  |  |  | - |  |  |  | 2 |
Total collateral-dependent loans |  | $ | 10,712 |  |  | $ | 6,653 |  |  | $ | 280 |  |  |  | 41 |
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, |
|  | 2020 |  |  | 2019 |
|  | (Dollars in thousands) |
Performing TDRs: |  |  |  |  |  |  |  |
Beginning balance |  | $ | 3,112 |  |  | $ | 3,594 |
New modifications |  |  | - |  |  |  | - |
Payoffs/payments, net and other |  |  | (953 | ) |  |  | (482 | )
TDRs returned to accrual status |  |  | - |  |  |  | - |
TDRs placed on nonaccrual status |  |  | - |  |  |  | - |
Ending balance |  | $ | 2,159 |  |  | $ | 3,112 |
Nonperforming TDRs: |  |  |  |  |  |  |  |
Beginning balance |  | $ | 244 |  |  | $ | 3,509 |
New modifications |  |  | - |  |  |  | - |
Charge-offs |  |  | - |  |  |  | (78 | )
Transfer to OREO |  |  | - |  |  |  | (2,275 | )
Payoffs/payments, net and other |  |  | (244 | ) |  |  | (912 | )
TDRs returned to accrual status |  |  | - |  |  |  | - |
TDRs placed on nonaccrual status |  |  | - |  |  |  | - |
Ending balance |  | $ | - |  |  | $ | 244 |
Total TDRs |  | $ | 2,159 |  |  | $ | 3,356 |
Summary of Loans Modified as Troubled Debt Restructurings | The following tables summarize loans modified as TDRs for the periods presented. There were no loans that were modified as TDRs for the years ended December 31, 2020 and 2019. Modifications (1)
|  | For the 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 real estate: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Interest rate reduction |  |  | - |  |  | $ | - |  |  | $ | - |  |  | $ | - |  |  | $ | - |
Change in amortization period or maturity |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |
Commercial and industrial: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Interest rate reduction |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |
Change in amortization period or maturity |  |  | 1 |  |  |  | 38 |  |  |  | 38 |  |  |  | 20 |  |  |  | - |
Dairy & livestock and agribusiness: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Interest rate reduction |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |
Change in amortization period or maturity |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |
SFR mortgage: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Interest rate reduction |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |
Change in amortization period or maturity |  |  | 1 |  |  |  | 311 |  |  |  | 311 |  |  |  | 300 |  |  |  | - |
Consumer: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Interest rate reduction |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |
Change in amortization period or maturity |  |  | 1 |  |  |  | 278 |  |  |  | 278 |  |  |  | 267 |  |  |  | - |
Total loans |  |  | 3 |  |  | $ | 627 |  |  | $ | 627 |  |  | $ | 587 |  |  | $ | - |
| (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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