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Loans (Tables) - Portfolio loans, net

3 Months Ended

Mar. 31, 2019

Non-covered Loans [Line Items]

Summary of Portfolio Loans by Category

The table below shows the loan portfolio composition including carrying value categorized by loans accounted for at amortized cost, which includes our originated loans, and by loans accounted for as PCI.

(in thousands)	March 31, 2019				December 31, 2018
Loans accounted for at amortized cost	$	4,894,574			$	4,303,600
Loans accounted for as PCI	122,503				46,401
Total loans	$	5,017,077			$	4,350,001

At March 31, 2019, loans acquired in the Trinity acquisition included $602 million accounted for at amortized cost and $80 million accounted for as PCI. These loans were recorded at fair value with no allowance for loan losses.

The table below shows the composition of the allowance for loan losses:

(in thousands)	March 31, 2019				December 31, 2018
Allowance for loans accounted for at amortized cost	$	41,945			$	42,295
Allowance for loans accounted for as PCI	1,150				1,181
Total allowance for loan losses	$	43,095			$	43,476

The following tables refer to loans accounted for at amortized cost.

Below is a summary of loans by category at March 31, 2019 and December 31, 2018:

(in thousands)	March 31, 2019				December 31, 2018
Commercial and industrial	$	2,209,437			$	2,121,008
Real estate:
Commercial - investor owned	1,144,868				843,728
Commercial - owner occupied	647,198				604,498
Construction and land development	358,884				330,097
Residential	416,731				298,944
Total real estate loans	2,567,681				2,077,267
Consumer and other	119,368				107,351
Loans, before unearned loan fees	4,896,486				4,305,626
Unearned loan fees, net	(1,912		)		(2,026		)
Loans, including unearned loan fees	$	4,894,574			$	4,303,600

Summary of Allowance for Loan Losses and the Recorded Investment in Portfolio Loans by Class and Category Based on Impairment Method

A summary of the activity in the allowance for loan losses and the recorded investment in loans by class and category based on impairment methodology through March 31, 2019, and at December 31, 2018, is as follows:

(in thousands)	Commercial and industrial				CRE - investor owned				CRE - owner occupied				Construction and land development				Residential real estate				Consumer and other				Total
Allowance for loan losses:
Balance at December 31, 2018	$	29,039			$	4,683			$	4,239			$	1,987			$	1,616			$	731			$	42,295
Provision (provision reversal) for loan losses	1,445				769				(431		)		(252		)		(288		)		233				1,476
Losses charged off	(1,853		)		(120		)		(36		)		(45		)		(67		)		(129		)		(2,250		)
Recoveries	29				7				2				9				364				13				424
Balance at March 31, 2019	$	28,660			$	5,339			$	3,774			$	1,699			$	1,625			$	848			$	41,945

(in thousands)	Commercial and industrial				CRE - investor owned				CRE - owner occupied				Construction and land development				Residential real estate				Consumer and other				Total
Balance March 31, 2019
Allowance for loan losses - Ending balance:
Individually evaluated for impairment	$	2,199			$	596			$	119			$	—			$	—			$	—			$	2,914
Collectively evaluated for impairment	26,461				4,743				3,655				1,699				1,625				848				39,031
Total	$	28,660			$	5,339			$	3,774			$	1,699			$	1,625			$	848			$	41,945
Loans - Ending balance:
Individually evaluated for impairment	$	7,205			$	1,527			$	2,296			$	—			$	408			$	—			$	11,436
Collectively evaluated for impairment	2,202,232				1,143,341				644,902				358,884				416,323				117,456				4,883,138
Total	$	2,209,437			$	1,144,868			$	647,198			$	358,884			$	416,731			$	117,456			$	4,894,574
Balance December 31, 2018
Allowance for loan losses - Ending balance:
Individually evaluated for impairment	$	4,266			$	—			$	109			$	—			$	52			$	26			$	4,453
Collectively evaluated for impairment	24,773				4,683				4,130				1,987				1,564				705				37,842
Total	$	29,039			$	4,683			$	4,239			$	1,987			$	1,616			$	731			$	42,295
Loans - Ending balance:
Individually evaluated for impairment	$	12,950			$	398			$	2,135			$	—			$	2,277			$	311			$	18,071
Collectively evaluated for impairment	2,108,058				843,330				602,363				330,097				296,667				105,014				4,285,529
Total	$	2,121,008			$	843,728			$	604,498			$	330,097			$	298,944			$	105,325			$	4,303,600

Summary of Portfolio Loans Individually Evaluated for Impairment and Recorded Investment in Impaired Non-Covered Loans by Category

A summary of nonperforming loans individually evaluated for impairment by category at March 31, 2019 and December 31, 2018, and the income recognized on impaired loans is as follows:

	March 31, 2019
(in thousands)	Unpaid Contractual Principal Balance				Recorded Investment With No Allowance				Recorded Investment With Allowance				Total Recorded Investment				Related Allowance				Average Recorded Investment
Commercial and industrial	$	9,515			$	2,168			$	5,037			$	7,205			$	2,199			$	7,855
Real estate:
Commercial - investor owned	1,555				271				1,256				1,527				596				1,527
Commercial - owner occupied	484				467				—				467				—				471
Construction and land development	—				—				—				—				—				—
Residential	409				408				—				408				—				408
Consumer and other	—				—				—				—				—				—
Total	$	11,963			$	3,314			$	6,293			$	9,607			$	2,795			$	10,261

	December 31, 2018
(in thousands)	Unpaid Contractual Principal Balance				Recorded Investment With No Allowance				Recorded Investment With Allowance				Total Recorded Investment				Related Allowance				Average Recorded Investment
Commercial and industrial	$	21,893			$	3,294			$	9,656			$	12,950			$	4,266			$	13,827
Real estate:
Commercial - investor owned	553				398				—				398				—				277
Commercial - owner occupied	847				472				336				808				109				691
Construction and land development	—				—				—				—				—				—
Residential	2,425				1,659				618				2,277				52				778
Consumer and other	329				—				312				312				26				—
Total	$	26,047			$	5,823			$	10,922			$	16,745			$	4,453			$	15,573

	Three months ended March 31,
(in thousands)	2019				2018
Total interest income that would have been recognized under original terms	$	436			$	534
Total cash received and recognized as interest income on non-accrual loans	62				11
Total interest income recognized on accruing, impaired loans	3				11

The recorded investment in nonperforming loans by category at March 31, 2019 and December 31, 2018, is as follows: 

	March 31, 2019
(in thousands)	Non-accrual				Restructured, not on non-accrual				Total
Commercial and industrial	$	7,094			$	111			$	7,205
Real estate:
Commercial - investor owned	1,527				—				1,527
Commercial - owner occupied	467				—				467
Construction and land development	—				—				—
Residential	328				80				408
Consumer and other	—				—				—
Total	$	9,416			$	191			$	9,607

	December 31, 2018
(in thousands)	Non-accrual				Restructured, not on non-accrual				Total
Commercial and industrial	$	12,805			$	145			$	12,950
Real estate:
Commercial - investor owned	398				—				398
Commercial - owner occupied	808				—				808
Construction and land development	—				—				—
Residential	2,197				80				2,277
Consumer and other	312				—				312
Total	$	16,520			$	225			$	16,745

Summary of Recorded Investment by Category for Portfolio Loans Restructured

There were no portfolio loans restructured during the three months ended March 31, 2019 and 2018.

Summary of Recorded Investment by Category for Portfolio Loans Restructured and Subsequently Defaulted

As of March 31, 2019, the Company had $1.2 million in specific reserves allocated to $4.7 million of loans that have been restructured. During the three months ended March 31, 2019 and 2018, there were no troubled debt restructurings that subsequently defaulted.

Summary of Aging of Recorded Investment in Past Due Portfolio Loans by Portfolio Class and Category

The aging of the recorded investment in past due loans by portfolio class and category at March 31, 2019 and December 31, 2018, is shown below.

	March 31, 2019
(in thousands)	30-89 Days  Past Due				90 or More Days Past Due				Total Past Due				Current				Total
Commercial and industrial	$	22,062			$	5,816			$	27,878			$	2,181,559			$	2,209,437
Real estate:
Commercial - investor owned	—				1,527				1,527				1,143,341				1,144,868
Commercial - owner occupied	708				229				937				646,261				647,198
Construction and land development	98				—				98				358,786				358,884
Residential	4,945				328				5,273				411,458				416,731
Consumer and other	69				—				69				117,387				117,456
Total	$	27,882			$	7,900			$	35,782			$	4,858,792			$	4,894,574

	December 31, 2018
(in thousands)	30-89 Days  Past Due				90 or More Days Past Due				Total Past Due				Current				Total
Commercial and industrial	$	66			$	10,257			$	10,323			$	2,110,685			$	2,121,008
Real estate:
Commercial - investor owned	529				127				656				843,072				843,728
Commercial - owner occupied	292				565				857				603,641				604,498
Construction and land development	6				—				6				330,091				330,097
Residential	709				897				1,606				297,338				298,944
Consumer and other	—				312				312				105,013				105,325
Total	$	1,602			$	12,158			$	13,760			$	4,289,840			$	4,303,600

Summary of Recorded Investment by Risk Category of Portfolio Loans by Portfolio Class and Category

The recorded investment by risk category of the loans by portfolio class and category at March 31, 2019, which is based upon the most recent analysis performed, and December 31, 2018, is as follows:

	March 31, 2019
(in thousands)	Pass (1-6)				Watch (7)				Classified (8 & 9)				Total
Commercial and industrial	$	1,991,293			$	157,408			$	60,736			$	2,209,437
Real estate:
Commercial - investor owned	1,124,030				17,088				3,750				1,144,868
Commercial - owner occupied	608,773				36,052				2,373				647,198
Construction and land development	354,835				3,984				65				358,884
Residential	409,032				1,996				5,703				416,731
Consumer and other	117,451				5				—				117,456
Total	$	4,605,414			$	216,533			$	72,627			$	4,894,574

	December 31, 2018
(in thousands)	Pass (1-6)				Watch (7)				Classified (8 & 9)				Total
Commercial and industrial	$	1,927,782			$	146,033			$	47,193			$	2,121,008
Real estate:
Commercial - investor owned	823,128				15,083				5,517				843,728
Commercial - owner occupied	563,003				31,834				9,661				604,498
Construction and land development	318,451				11,580				66				330,097
Residential	287,802				4,232				6,910				298,944
Consumer and other	105,007				6				312				105,325
Total	$	4,025,173			$	208,768			$	69,659			$	4,303,600

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