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Loans (Tables) | 3 Months Ended
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Mar. 31, 2020
Non-covered Loans [Line Items] |
Summary of Recorded Investment by Risk Category of Portfolio Loans by Portfolio Class and Category | The following table presents the recorded investment on loans based on payment activity:
|  | March 31, 2020
(in thousands) |  | Performing |  | Non Performing |  | Total
Commercial and industrial |  | $ | 15,060 |  |  | $ | 71 |  |  | $ | 15,131 |
Real estate: |  |  |  |  |  |
Residential |  | 944 |  |  | — |  |  | 944 |
Consumer and other |  | 2,465 |  |  | 56 |  |  | 2,521 |
Total |  | $ | 18,469 |  |  | $ | 127 |  |  | $ | 18,596 |
The recorded investment by risk category of the loans by class at March 31, 2020, which is based upon the most recent analysis performed is as follows:
|  | Term Loans by Origination Year |  |  |  |  |  |
(in thousands) |  | 2020 |  | 2019 |  | 2018 |  | 2017 |  | 2016 |  | Prior |  | Revolving Loans Converted to Term Loans |  | Revolving Loans |  | Total
Commercial and industrial |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass (1-6) |  | $ | 274,021 |  |  | $ | 623,511 |  |  | $ | 328,712 |  |  | $ | 188,489 |  |  | $ | 53,064 |  |  | $ | 126,446 |  |  | $ | 2,557 |  |  | $ | 660,675 |  |  | $ | 2,257,475 |
Watch (7) |  | 780 |  |  | 17,643 |  |  | 5,258 |  |  | 11,986 |  |  | 23,454 |  |  | 524 |  |  | 506 |  |  | 66,449 |  |  | 126,600 |
Classified (8-9) |  | 649 |  |  | 20,887 |  |  | 8,438 |  |  | 3,881 |  |  | 5,253 |  |  | 3,581 |  |  | 431 |  |  | 26,687 |  |  | 69,807 |
Total Commercial and industrial |  | $ | 275,450 |  |  | $ | 662,041 |  |  | $ | 342,408 |  |  | $ | 204,356 |  |  | $ | 81,771 |  |  | $ | 130,551 |  |  | $ | 3,494 |  |  | $ | 753,811 |  |  | $ | 2,453,882 |
Commercial real estate-investor owned |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass (1-6) |  | $ | 114,369 |  |  | $ | 356,099 |  |  | $ | 229,830 |  |  | $ | 154,406 |  |  | $ | 173,623 |  |  | $ | 204,948 |  |  | $ | 1,745 |  |  | $ | 52,875 |  |  | $ | 1,287,895 |
Watch (7) |  | 113 |  |  | 10,395 |  |  | 1,305 |  |  | 400 |  |  | 12,614 |  |  | 1,623 |  |  | — |  |  | — |  |  | 26,450 |
Classified (8-9) |  | — |  |  | 978 |  |  | 8,043 |  |  | 445 |  |  | 246 |  |  | 3,757 |  |  | — |  |  | — |  |  | 13,469 |
Total Commercial real estate-investor owned |  | $ | 114,482 |  |  | $ | 367,472 |  |  | $ | 239,178 |  |  | $ | 155,251 |  |  | $ | 186,483 |  |  | $ | 210,328 |  |  | $ | 1,745 |  |  | $ | 52,875 |  |  | $ | 1,327,814 |
Commercial real estate-owner occupied |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass (1-6) |  | $ | 50,382 |  |  | $ | 226,562 |  |  | $ | 99,918 |  |  | $ | 89,750 |  |  | $ | 58,499 |  |  | $ | 96,149 |  |  | $ | 2,797 |  |  | $ | 44,271 |  |  | $ | 668,328 |
Watch (7) |  | 2,775 |  |  | 8,802 |  |  | 370 |  |  | 9,904 |  |  | 8,641 |  |  | 5,313 |  |  | — |  |  | 5,900 |  |  | 41,705 |
Classified (8-9) |  | — |  |  | 1,131 |  |  | 5,212 |  |  | — |  |  | — |  |  | 4,167 |  |  | — |  |  | — |  |  | 10,510 |
Total Commercial real estate-owner occupied |  | $ | 53,157 |  |  | $ | 236,495 |  |  | $ | 105,500 |  |  | $ | 99,654 |  |  | $ | 67,140 |  |  | $ | 105,629 |  |  | $ | 2,797 |  |  | $ | 50,171 |  |  | $ | 720,543 |
Construction real estate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass (1-6) |  | $ | 23,035 |  |  | $ | 184,561 |  |  | $ | 123,931 |  |  | $ | 63,034 |  |  | $ | 28,407 |  |  | $ | 14,672 |  |  | $ | — |  |  | $ | 17,410 |  |  | $ | 455,050 |
Watch (7) |  | 966 |  |  | 11,448 |  |  | 1,262 |  |  | 69 |  |  | — |  |  | 563 |  |  | — |  |  | — |  |  | 14,308 |
Classified (8-9) |  | — |  |  | 226 |  |  | — |  |  | — |  |  | — |  |  | 43 |  |  | — |  |  | — |  |  | 269 |
Total Construction real estate |  | $ | 24,001 |  |  | $ | 196,235 |  |  | $ | 125,193 |  |  | $ | 63,103 |  |  | $ | 28,407 |  |  | $ | 15,278 |  |  | $ | — |  |  | $ | 17,410 |  |  | $ | 469,627 |
Residential real estate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass (1-6) |  | $ | 12,356 |  |  | $ | 37,811 |  |  | $ | 23,381 |  |  | $ | 24,306 |  |  | $ | 38,082 |  |  | $ | 132,715 |  |  | $ | 245 |  |  | $ | 65,660 |  |  | $ | 334,556 |
Watch (7) |  | 1 |  |  | 1,045 |  |  | 875 |  |  | — |  |  | 4 |  |  | 2,683 |  |  | — |  |  | 1,093 |  |  | 5,701 |
Classified (8-9) |  | — |  |  | 1,715 |  |  | 767 |  |  | 13 |  |  | 131 |  |  | 2,882 |  |  | — |  |  | 49 |  |  | 5,557 |
Total residential real estate |  | $ | 12,357 |  |  | $ | 40,571 |  |  | $ | 25,023 |  |  | $ | 24,319 |  |  | $ | 38,217 |  |  | $ | 138,280 |  |  | $ | 245 |  |  | $ | 66,802 |  |  | $ | 345,814 |
Consumer and other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass (1-6) |  | $ | 1,257 |  |  | $ | 26,478 |  |  | $ | 20,911 |  |  | $ | 1,735 |  |  | $ | 5,535 |  |  | $ | 35,940 |  |  | $ | — |  |  | $ | 29,311 |  |  | $ | 121,167 |
Watch (7) |  | — |  |  | 2 |  |  | — |  |  | — |  |  | — |  |  | 1 |  |  | — |  |  | 1 |  |  | 4 |
Classified (8-9) |  | — |  |  | 2 |  |  | 4 |  |  | 6 |  |  | — |  |  | 24 |  |  | 10 |  |  | 24 |  |  | 70 |
Total consumer and other |  | $ | 1,257 |  |  | $ | 26,482 |  |  | $ | 20,915 |  |  | $ | 1,741 |  |  | $ | 5,535 |  |  | $ | 35,965 |  |  | $ | 10 |  |  | $ | 29,336 |  |  | $ | 121,241 |
Portfolio loans, net |
Non-covered Loans [Line Items] |
Summary of Portfolio Loans by Category | Below is a summary of loans by category at March 31, 2020 and December 31, 2019:
(in thousands) | March 31, 2020 |  | December 31, 2019
Commercial and industrial | $ | 2,469,013 |  |  | 2,361,157 |
Real estate: |  |  |
Commercial - investor owned | 1,327,814 |  |  | 1,299,884 |
Commercial - owner occupied | 720,543 |  |  | 697,437 |
Construction and land development | 469,627 |  |  | 457,273 |
Residential | 346,758 |  |  | 366,261 |
Total real estate loans | 2,864,742 |  |  | 2,820,855 |
Consumer and other | 126,212 |  |  | 134,941 |
Loans, before unearned loan fees | 5,459,967 |  |  | 5,316,953 |
Unearned loan fees, net | (2,450 | ) |  | (2,616 | )
Loans, including unearned loan fees | $ | 5,457,517 |  |  | $ | 5,314,337 |
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 ACLL by category through March 31, 2020 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 credit losses on loans: |  |  |  |  |  |  |  |  |  |  |  |  |
Balance at December 31, 2019 | $ | 27,455 |  |  | $ | 5,935 |  |  | $ | 4,873 |  |  | $ | 2,611 |  |  | $ | 1,280 |  |  | $ | 1,134 |  |  | $ | 43,288 |
CECL adoption | 6,494 |  |  | 10,726 |  |  | 2,598 |  |  | 5,183 |  |  | 3,470 |  |  | (84 | ) |  | 28,387 |
PCD loans immediately charged off | — |  |  | (5 | ) |  | (57 | ) |  | (217 | ) |  | (1,401 | ) |  | — |  |  | (1,680 | )
Balance at January 1, 2020 | $ | 33,949 |  |  | $ | 16,656 |  |  | $ | 7,414 |  |  | $ | 7,577 |  |  | $ | 3,349 |  |  | $ | 1,050 |  |  | $ | 69,995 |
Provision for credit losses | 11,591 |  |  | 3,224 |  |  | 1,994 |  |  | 2,309 |  |  | 2,011 |  |  | 566 |  |  | 21,695 |
Charge-offs | (63 | ) |  | (2 | ) |  | — |  |  | (31 | ) |  | (122 | ) |  | (86 | ) |  | (304 | )
Recoveries | 504 |  |  | 14 |  |  | 69 |  |  | 40 |  |  | 157 |  |  | 17 |  |  | 801 |
Balance at March 31, 2020 | $ | 45,981 |  |  | $ | 19,892 |  |  | $ | 9,477 |  |  | $ | 9,895 |  |  | $ | 5,395 |  |  | $ | 1,547 |  |  | $ | 92,187 |
Financing Receivable, Noncurrent, Allowance for Credit Loss | A summary of the activity in the ACLL by category through March 31, 2020 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 credit losses on loans: |  |  |  |  |  |  |  |  |  |  |  |  |
Balance at December 31, 2019 | $ | 27,455 |  |  | $ | 5,935 |  |  | $ | 4,873 |  |  | $ | 2,611 |  |  | $ | 1,280 |  |  | $ | 1,134 |  |  | $ | 43,288 |
CECL adoption | 6,494 |  |  | 10,726 |  |  | 2,598 |  |  | 5,183 |  |  | 3,470 |  |  | (84 | ) |  | 28,387 |
PCD loans immediately charged off | — |  |  | (5 | ) |  | (57 | ) |  | (217 | ) |  | (1,401 | ) |  | — |  |  | (1,680 | )
Balance at January 1, 2020 | $ | 33,949 |  |  | $ | 16,656 |  |  | $ | 7,414 |  |  | $ | 7,577 |  |  | $ | 3,349 |  |  | $ | 1,050 |  |  | $ | 69,995 |
Provision for credit losses | 11,591 |  |  | 3,224 |  |  | 1,994 |  |  | 2,309 |  |  | 2,011 |  |  | 566 |  |  | 21,695 |
Charge-offs | (63 | ) |  | (2 | ) |  | — |  |  | (31 | ) |  | (122 | ) |  | (86 | ) |  | (304 | )
Recoveries | 504 |  |  | 14 |  |  | 69 |  |  | 40 |  |  | 157 |  |  | 17 |  |  | 801 |
Balance at March 31, 2020 | $ | 45,981 |  |  | $ | 19,892 |  |  | $ | 9,477 |  |  | $ | 9,895 |  |  | $ | 5,395 |  |  | $ | 1,547 |  |  | $ | 92,187 |
Summary of Portfolio Loans Individually Evaluated for Impairment and Recorded Investment in Impaired Non-Covered Loans by Category | The recorded investment in nonperforming loans by category at March 31, 2020 and December 31, 2019, is as follows:
| March 31, 2020
(in thousands) | Nonaccrual |  | Restructured, accruing |  | Loans over 90 days past due and still accruing interest |  | Total nonperforming loans |  | Nonaccrual loans with no allowance
Commercial and industrial | $ | 22,729 |  |  | $ | 3,731 |  |  | $ | 71 |  |  | $ | 26,531 |  |  | $ | 17,915 |
Real estate: |  |  |  |  |  |  |  |  |
Commercial - investor owned | 4,115 |  |  | — |  |  | — |  |  | 4,115 |  |  | 2,576 |
Commercial - owner occupied | 2,110 |  |  | — |  |  | — |  |  | 2,110 |  |  | 1,114 |
Construction and land development | 214 |  |  | — |  |  | — |  |  | 214 |  |  | 214 |
Residential | 4,075 |  |  | 79 |  |  | — |  |  | 4,154 |  |  | 3,086 |
Consumer and other | 25 |  |  | — |  |  | 55 |  |  | 80 |  |  | — |
Total | $ | 33,268 |  |  | $ | 3,810 |  |  | $ | 126 |  |  | $ | 37,204 |  |  | $ | 24,905 |
There was no interest income recognized on nonaccrual loans in the first quarter 2020.
| December 31, 2019
(in thousands) | Nonaccrual |  | Restructured, accruing |  | Loans over 90 days past due and still accruing interest |  | Total nonperforming loans
Commercial and industrial | $ | 22,328 |  |  | $ | — |  |  | $ | 250 |  |  | $ | 22,578 |
Real estate: |  |  |  |  |  |  |
Commercial - investor owned | 2,303 |  |  | — |  |  | — |  |  | 2,303 |
Commercial - owner occupied | 213 |  |  | — |  |  | — |  |  | 213 |
Residential | 1,251 |  |  | 79 |  |  | — |  |  | 1,330 |
Consumer and other | 1 |  |  | — |  |  | — |  |  | 1 |
Total | $ | 26,096 |  |  | $ | 79 |  |  | $ | 250 |  |  | $ | 26,425 |
The following table presents the amortized cost basis of collateral-dependent nonperforming loans by class of loan at March 31, 2020:
| Type of Collateral
(in thousands) | Commercial Real Estate |  | Residential Real Estate |  | Blanket Lien
Commercial and industrial | $ | 13,051 |  |  | $ | — |  |  | $ | 5,910 |
Real estate: |  |  |  |  |
Commercial - investor owned | 4,115 |  |  | — |  |  | — |
Commercial - owner occupied | 1,521 |  |  | — |  |  | — |
Construction and land development | — |  |  | 214 |  |  | — |
Residential | — |  |  | 3,927 |  |  | — |
Total | $ | 18,687 |  |  | $ | 4,141 |  |  | $ | 5,910 |
Summary of Recorded Investment by Category for Portfolio Loans Restructured |
The following table presents the amortized cost basis of collateral-dependent nonperforming loans by class of loan at March 31, 2020:
| Type of Collateral
(in thousands) | Commercial Real Estate |  | Residential Real Estate |  | Blanket Lien
Commercial and industrial | $ | 13,051 |  |  | $ | — |  |  | $ | 5,910 |
Real estate: |  |  |  |  |
Commercial - investor owned | 4,115 |  |  | — |  |  | — |
Commercial - owner occupied | 1,521 |  |  | — |  |  | — |
Construction and land development | — |  |  | 214 |  |  | — |
Residential | — |  |  | 3,927 |  |  | — |
Total | $ | 18,687 |  |  | $ | 4,141 |  |  | $ | 5,910 |
The recorded investment by category for loans restructured during the three months ended March 31, 2020 is as follows:
| March 31, 2020
(in thousands, except for number of loans) | Number of loans |  | Pre-Modification Outstanding Recorded Balance |  | Post-Modification Outstanding Recorded Balance
Commercial and industrial | 1 |  |  | $ | 3,731 |  |  | $ | 3,731 |
Real estate: |  |  |  |  |
Residential | 2 |  |  | 155 |  |  | 155 |
Total | 3 |  |  | $ | 3,886 |  |  | $ | 3,886 |
Summary of Recorded Investment by Category for Portfolio Loans Restructured and Subsequently Defaulted | There were no troubled debt restructured loans that subsequently defaulted during the three months ended March 31, 2020 or 2019.
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 class at March 31, 2020 is shown below.
| March 31, 2020
(in thousands) | 30-89 Days Past Due |  | 90 or More Days Past Due |  | Total Past Due |  | Current |  | Total
Commercial and industrial | $ | 24,898 |  |  | $ | 9,491 |  |  | $ | 34,389 |  |  | $ | 2,434,624 |  |  | $ | 2,469,013 |
Real estate: |  |  |  |  |  |  |  |  |
Commercial - investor owned | 1,996 |  |  | 3,438 |  |  | 5,434 |  |  | 1,322,380 |  |  | 1,327,814 |
Commercial - owner occupied | 3,870 |  |  | 1,182 |  |  | 5,052 |  |  | 715,491 |  |  | 720,543 |
Construction and land development | 95 |  |  | — |  |  | 95 |  |  | 469,532 |  |  | 469,627 |
Residential | 5,124 |  |  | 1,482 |  |  | 6,606 |  |  | 340,152 |  |  | 346,758 |
Consumer and other | 459 |  |  | 75 |  |  | 534 |  |  | 123,228 |  |  | 123,762 |
Total | $ | 36,442 |  |  | $ | 15,668 |  |  | $ | 52,110 |  |  | $ | 5,405,407 |  |  | $ | 5,457,517 |
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 class at March 31, 2020, which is based upon the most recent analysis performed is as follows:
|  | Term Loans by Origination Year |  |  |  |  |  |
(in thousands) |  | 2020 |  | 2019 |  | 2018 |  | 2017 |  | 2016 |  | Prior |  | Revolving Loans Converted to Term Loans |  | Revolving Loans |  | Total
Commercial and industrial |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass (1-6) |  | $ | 274,021 |  |  | $ | 623,511 |  |  | $ | 328,712 |  |  | $ | 188,489 |  |  | $ | 53,064 |  |  | $ | 126,446 |  |  | $ | 2,557 |  |  | $ | 660,675 |  |  | $ | 2,257,475 |
Watch (7) |  | 780 |  |  | 17,643 |  |  | 5,258 |  |  | 11,986 |  |  | 23,454 |  |  | 524 |  |  | 506 |  |  | 66,449 |  |  | 126,600 |
Classified (8-9) |  | 649 |  |  | 20,887 |  |  | 8,438 |  |  | 3,881 |  |  | 5,253 |  |  | 3,581 |  |  | 431 |  |  | 26,687 |  |  | 69,807 |
Total Commercial and industrial |  | $ | 275,450 |  |  | $ | 662,041 |  |  | $ | 342,408 |  |  | $ | 204,356 |  |  | $ | 81,771 |  |  | $ | 130,551 |  |  | $ | 3,494 |  |  | $ | 753,811 |  |  | $ | 2,453,882 |
Commercial real estate-investor owned |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass (1-6) |  | $ | 114,369 |  |  | $ | 356,099 |  |  | $ | 229,830 |  |  | $ | 154,406 |  |  | $ | 173,623 |  |  | $ | 204,948 |  |  | $ | 1,745 |  |  | $ | 52,875 |  |  | $ | 1,287,895 |
Watch (7) |  | 113 |  |  | 10,395 |  |  | 1,305 |  |  | 400 |  |  | 12,614 |  |  | 1,623 |  |  | — |  |  | — |  |  | 26,450 |
Classified (8-9) |  | — |  |  | 978 |  |  | 8,043 |  |  | 445 |  |  | 246 |  |  | 3,757 |  |  | — |  |  | — |  |  | 13,469 |
Total Commercial real estate-investor owned |  | $ | 114,482 |  |  | $ | 367,472 |  |  | $ | 239,178 |  |  | $ | 155,251 |  |  | $ | 186,483 |  |  | $ | 210,328 |  |  | $ | 1,745 |  |  | $ | 52,875 |  |  | $ | 1,327,814 |
Commercial real estate-owner occupied |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass (1-6) |  | $ | 50,382 |  |  | $ | 226,562 |  |  | $ | 99,918 |  |  | $ | 89,750 |  |  | $ | 58,499 |  |  | $ | 96,149 |  |  | $ | 2,797 |  |  | $ | 44,271 |  |  | $ | 668,328 |
Watch (7) |  | 2,775 |  |  | 8,802 |  |  | 370 |  |  | 9,904 |  |  | 8,641 |  |  | 5,313 |  |  | — |  |  | 5,900 |  |  | 41,705 |
Classified (8-9) |  | — |  |  | 1,131 |  |  | 5,212 |  |  | — |  |  | — |  |  | 4,167 |  |  | — |  |  | — |  |  | 10,510 |
Total Commercial real estate-owner occupied |  | $ | 53,157 |  |  | $ | 236,495 |  |  | $ | 105,500 |  |  | $ | 99,654 |  |  | $ | 67,140 |  |  | $ | 105,629 |  |  | $ | 2,797 |  |  | $ | 50,171 |  |  | $ | 720,543 |
Construction real estate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass (1-6) |  | $ | 23,035 |  |  | $ | 184,561 |  |  | $ | 123,931 |  |  | $ | 63,034 |  |  | $ | 28,407 |  |  | $ | 14,672 |  |  | $ | — |  |  | $ | 17,410 |  |  | $ | 455,050 |
Watch (7) |  | 966 |  |  | 11,448 |  |  | 1,262 |  |  | 69 |  |  | — |  |  | 563 |  |  | — |  |  | — |  |  | 14,308 |
Classified (8-9) |  | — |  |  | 226 |  |  | — |  |  | — |  |  | — |  |  | 43 |  |  | — |  |  | — |  |  | 269 |
Total Construction real estate |  | $ | 24,001 |  |  | $ | 196,235 |  |  | $ | 125,193 |  |  | $ | 63,103 |  |  | $ | 28,407 |  |  | $ | 15,278 |  |  | $ | — |  |  | $ | 17,410 |  |  | $ | 469,627 |
Residential real estate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass (1-6) |  | $ | 12,356 |  |  | $ | 37,811 |  |  | $ | 23,381 |  |  | $ | 24,306 |  |  | $ | 38,082 |  |  | $ | 132,715 |  |  | $ | 245 |  |  | $ | 65,660 |  |  | $ | 334,556 |
Watch (7) |  | 1 |  |  | 1,045 |  |  | 875 |  |  | — |  |  | 4 |  |  | 2,683 |  |  | — |  |  | 1,093 |  |  | 5,701 |
Classified (8-9) |  | — |  |  | 1,715 |  |  | 767 |  |  | 13 |  |  | 131 |  |  | 2,882 |  |  | — |  |  | 49 |  |  | 5,557 |
Total residential real estate |  | $ | 12,357 |  |  | $ | 40,571 |  |  | $ | 25,023 |  |  | $ | 24,319 |  |  | $ | 38,217 |  |  | $ | 138,280 |  |  | $ | 245 |  |  | $ | 66,802 |  |  | $ | 345,814 |
Consumer and other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass (1-6) |  | $ | 1,257 |  |  | $ | 26,478 |  |  | $ | 20,911 |  |  | $ | 1,735 |  |  | $ | 5,535 |  |  | $ | 35,940 |  |  | $ | — |  |  | $ | 29,311 |  |  | $ | 121,167 |
Watch (7) |  | — |  |  | 2 |  |  | — |  |  | — |  |  | — |  |  | 1 |  |  | — |  |  | 1 |  |  | 4 |
Classified (8-9) |  | — |  |  | 2 |  |  | 4 |  |  | 6 |  |  | — |  |  | 24 |  |  | 10 |  |  | 24 |  |  | 70 |
Total consumer and other |  | $ | 1,257 |  |  | $ | 26,482 |  |  | $ | 20,915 |  |  | $ | 1,741 |  |  | $ | 5,535 |  |  | $ | 35,965 |  |  | $ | 10 |  |  | $ | 29,336 |  |  | $ | 121,241 |
In the table above, loan originations in 2020 and 2019 with a classification of watch or classified primarily represent renewals or modifications initially underwritten and originated in prior years. For certain loans, primarily credit cards, the Company evaluates credit quality based on the aging status. The following table presents the recorded investment on loans based on payment activity:
|  | March 31, 2020
(in thousands) |  | Performing |  | Non Performing |  | Total
Commercial and industrial |  | $ | 15,060 |  |  | $ | 71 |  |  | $ | 15,131 |
Real estate: |  |  |  |  |  |
Residential |  | 944 |  |  | — |  |  | 944 |
Consumer and other |  | 2,465 |  |  | 56 |  |  | 2,521 |
Total |  | $ | 18,469 |  |  | $ | 127 |  |  | $ | 18,596 |
The recorded investment by risk category of loans by class at December 31, 2019, was as follows:
| December 31, 2019
(in thousands) | Pass (1-6) |  | Watch (7) |  | Classified (8 & 9) |  | Total*
Commercial and industrial | $ | 2,151,084 |  |  | $ | 124,718 |  |  | $ | 70,021 |  |  | $ | 2,345,823 |
Real estate: |  |  |  |  |  |  |
Commercial - investor owned | 1,242,569 |  |  | 17,572 |  |  | 2,840 |  |  | 1,262,981 |
Commercial - owner occupied | 643,276 |  |  | 28,773 |  |  | 6,473 |  |  | 678,522 |
Construction and land development | 437,134 |  |  | 12,140 |  |  | 106 |  |  | 449,380 |
Residential | 348,246 |  |  | 4,450 |  |  | 2,496 |  |  | 355,192 |
Consumer and other | 132,096 |  |  | 3 |  |  | 51 |  |  | 132,150 |
Total | $ | 4,954,405 |  |  | $ | 187,656 |  |  | $ | 81,987 |  |  | $ | 5,224,048 |
*Excludes $90.3 million of loans accounted for as PCI In response to the COVID-19 pandemic, the Company has implemented short-term deferral programs allowing customers to primarily defer payments for up to 90 days. As of April 30, 2020, $392.1 million loans have participated in the programs, including $190.8 million loans deferring interest payments of $2.2 million. In addition, the Company has been actively participating in the PPP since the SBA began accepting applications in April 2020. In the second quarter 2020, the Company expects to fund $856.5 million in PPP loans that have been approved by the SBA.

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