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Loans (Tables) | 6 Months Ended
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Jun. 30, 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:
|  | June 30, 2020
(in thousands) |  | Performing |  | Non Performing |  | Total
Commercial and industrial |  | $ | 11,682 |  |  | $ | 38 |  |  | $ | 11,720 |
Real estate: |  |  |  |  |  |
Residential |  | 941 |  |  | — |  |  | 941 |
Other |  | 2,376 |  |  | 21 |  |  | 2,397 |
Total |  | $ | 14,999 |  |  | $ | 59 |  |  | $ | 15,058 |
The recorded investment by risk category of the loans by class at June 30, 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) |  | $ | 1,239,062 |  |  | $ | 535,477 |  |  | $ | 318,046 |  |  | $ | 180,269 |  |  | $ | 47,210 |  |  | $ | 85,529 |  |  | $ | 14,954 |  |  | $ | 510,168 |  |  | $ | 2,930,715 |
Watch (7) |  | 26,347 |  |  | 13,354 |  |  | 4,850 |  |  | 6,468 |  |  | 24,044 |  |  | 175 |  |  | — |  |  | 62,293 |  |  | 137,531 |
Classified (8-9) |  | 3,775 |  |  | 15,068 |  |  | 8,155 |  |  | 3,950 |  |  | 5,093 |  |  | 3,673 |  |  | 295 |  |  | 23,222 |  |  | 63,231 |
Total Commercial and industrial |  | $ | 1,269,184 |  |  | $ | 563,899 |  |  | $ | 331,051 |  |  | $ | 190,687 |  |  | $ | 76,347 |  |  | $ | 89,377 |  |  | $ | 15,249 |  |  | $ | 595,683 |  |  | $ | 3,131,477 |
Commercial real estate-investor owned |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass (1-6) |  | $ | 246,319 |  |  | $ | 321,849 |  |  | $ | 204,242 |  |  | $ | 126,567 |  |  | $ | 153,904 |  |  | $ | 181,761 |  |  | $ | 3,284 |  |  | $ | 35,460 |  |  | $ | 1,273,386 |
Watch (7) |  | 5,136 |  |  | 4,220 |  |  | 1,192 |  |  | 369 |  |  | 12,681 |  |  | 1,275 |  |  | — |  |  | — |  |  | 24,873 |
Classified (8-9) |  | — |  |  | 966 |  |  | 8,286 |  |  | 455 |  |  | 249 |  |  | 1,680 |  |  | — |  |  | — |  |  | 11,636 |
Total Commercial real estate-investor owned |  | $ | 251,455 |  |  | $ | 327,035 |  |  | $ | 213,720 |  |  | $ | 127,391 |  |  | $ | 166,834 |  |  | $ | 184,716 |  |  | $ | 3,284 |  |  | $ | 35,460 |  |  | $ | 1,309,895 |
Commercial real estate-owner occupied |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass (1-6) |  | $ | 147,313 |  |  | $ | 200,519 |  |  | $ | 92,624 |  |  | $ | 79,058 |  |  | $ | 44,990 |  |  | $ | 80,172 |  |  | $ | 2,756 |  |  | $ | 42,883 |  |  | $ | 690,315 |
Watch (7) |  | 9,473 |  |  | 1,963 |  |  | 261 |  |  | 9,729 |  |  | 8,533 |  |  | 5,074 |  |  | — |  |  | 2,500 |  |  | 37,533 |
Classified (8-9) |  | 601 |  |  | 1,156 |  |  | 4,267 |  |  | 458 |  |  | — |  |  | 4,219 |  |  | — |  |  | — |  |  | 10,701 |
Total Commercial real estate-owner occupied |  | $ | 157,387 |  |  | $ | 203,638 |  |  | $ | 97,152 |  |  | $ | 89,245 |  |  | $ | 53,523 |  |  | $ | 89,465 |  |  | $ | 2,756 |  |  | $ | 45,383 |  |  | $ | 738,549 |
Construction real estate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass (1-6) |  | $ | 75,983 |  |  | $ | 167,936 |  |  | $ | 121,909 |  |  | $ | 37,555 |  |  | $ | 28,060 |  |  | $ | 12,906 |  |  | $ | — |  |  | $ | 20,631 |  |  | $ | 464,980 |
Watch (7) |  | 2,408 |  |  | 722 |  |  | 1,254 |  |  | 11,047 |  |  | — |  |  | 546 |  |  | — |  |  | — |  |  | 15,977 |
Classified (8-9) |  | — |  |  | 227 |  |  | — |  |  | — |  |  | — |  |  | 37 |  |  | — |  |  | — |  |  | 264 |
Total Construction real estate |  | $ | 78,391 |  |  | $ | 168,885 |  |  | $ | 123,163 |  |  | $ | 48,602 |  |  | $ | 28,060 |  |  | $ | 13,489 |  |  | $ | — |  |  | $ | 20,631 |  |  | $ | 481,221 |
Residential real estate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass (1-6) |  | $ | 26,448 |  |  | $ | 33,085 |  |  | $ | 22,074 |  |  | $ | 19,931 |  |  | $ | 34,427 |  |  | $ | 115,036 |  |  | $ | 591 |  |  | $ | 63,505 |  |  | $ | 315,097 |
Watch (7) |  | 181 |  |  | 895 |  |  | 842 |  |  | — |  |  | — |  |  | 2,027 |  |  | 279 |  |  | 802 |  |  | 5,026 |
Classified (8-9) |  | 184 |  |  | 1,265 |  |  | 758 |  |  | 13 |  |  | 213 |  |  | 3,445 |  |  | — |  |  | 50 |  |  | 5,928 |
Total residential real estate |  | $ | 26,813 |  |  | $ | 35,245 |  |  | $ | 23,674 |  |  | $ | 19,944 |  |  | $ | 34,640 |  |  | $ | 120,508 |  |  | $ | 870 |  |  | $ | 64,357 |  |  | $ | 326,051 |
Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass (1-6) |  | $ | 8,758 |  |  | $ | 25,567 |  |  | $ | 20,615 |  |  | $ | 682 |  |  | $ | 3,705 |  |  | $ | 34,455 |  |  | $ | — |  |  | $ | 43,971 |  |  | $ | 137,753 |
Watch (7) |  | — |  |  | 2 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 1 |  |  | 3 |
Classified (8-9) |  | — |  |  | 1 |  |  | 3 |  |  | 4 |  |  | — |  |  | 19 |  |  | 10 |  |  | 7 |  |  | 44 |
Total Other |  | $ | 8,758 |  |  | $ | 25,570 |  |  | $ | 20,618 |  |  | $ | 686 |  |  | $ | 3,705 |  |  | $ | 34,474 |  |  | $ | 10 |  |  | $ | 43,979 |  |  | $ | 137,800 |
Portfolio loans, net |
Non-covered Loans [Line Items] |
Summary of Portfolio Loans by Category | Below is a summary of loans by category at June 30, 2020 and December 31, 2019:
(in thousands) | June 30, 2020 |  | December 31, 2019
Commercial and industrial | $ | 3,165,611 |  |  | $ | 2,361,157 |
Real estate: |  |  |
Commercial - investor owned | 1,309,895 |  |  | 1,299,884 |
Commercial - owner occupied | 738,549 |  |  | 697,437 |
Construction and land development | 481,221 |  |  | 457,273 |
Residential | 326,992 |  |  | 366,261 |
Total real estate loans | 2,856,657 |  |  | 2,820,855 |
Other | 142,224 |  |  | 134,941 |
Loans, before unearned loan fees | 6,164,492 |  |  | 5,316,953 |
Unearned loan fees, net | (24,441 | ) |  | (2,616 | )
Loans, including unearned loan fees | $ | 6,140,051 |  |  | $ | 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 for the three and six months ended June 30, 2020 is as follows:
(in thousands) | Commercial and industrial |  | CRE - investor owned |  | CRE - owner occupied |  | Construction and land development |  | Residential real estate |  | Other |  | Total
Allowance for credit losses on loans: |  |  |  |  |  |  |  |  |  |  |  |  |
Balance at March 31, 2020 | $ | 45,981 |  |  | $ | 19,892 |  |  | $ | 9,477 |  |  | $ | 9,895 |  |  | $ | 5,395 |  |  | $ | 1,547 |  |  | $ | 92,187 |
Provision for credit losses | 7,168 |  |  | 2,599 |  |  | 1,600 |  |  | 6,038 |  |  | 744 |  |  | 242 |  |  | 18,391 |
Charge-offs | (3,303 | ) |  | (224 | ) |  | — |  |  | — |  |  | (32 | ) |  | (105 | ) |  | (3,664 | )
Recoveries | 293 |  |  | 2,752 |  |  | 11 |  |  | 29 |  |  | 226 |  |  | 45 |  |  | 3,356 |
Balance at June 30, 2020 | $ | 50,139 |  |  | $ | 25,019 |  |  | $ | 11,088 |  |  | $ | 15,962 |  |  | $ | 6,333 |  |  | $ | 1,729 |  |  | $ | 110,270 |
(in thousands) | Commercial and industrial |  | CRE - investor owned |  | CRE - owner occupied |  | Construction and land development |  | Residential real estate |  | 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 | 18,759 |  |  | 5,823 |  |  | 3,594 |  |  | 8,347 |  |  | 2,755 |  |  | 808 |  |  | 40,086 |
Charge-offs | (3,366 | ) |  | (226 | ) |  | — |  |  | (31 | ) |  | (154 | ) |  | (191 | ) |  | (3,968 | )
Recoveries | 797 |  |  | 2,766 |  |  | 80 |  |  | 69 |  |  | 383 |  |  | 62 |  |  | 4,157 |
Balance at June 30, 2020 | $ | 50,139 |  |  | $ | 25,019 |  |  | $ | 11,088 |  |  | $ | 15,962 |  |  | $ | 6,333 |  |  | $ | 1,729 |  |  | $ | 110,270 |
Reserves on enterprise value lending and agricultural lending, which are included in the categories above, represented $15.8 million and $2.4 million, respectively.
Financing Receivable, Noncurrent, Allowance for Credit Loss | A summary of the activity in the ACLL by category for the three and six months ended June 30, 2020 is as follows:
(in thousands) | Commercial and industrial |  | CRE - investor owned |  | CRE - owner occupied |  | Construction and land development |  | Residential real estate |  | Other |  | Total
Allowance for credit losses on loans: |  |  |  |  |  |  |  |  |  |  |  |  |
Balance at March 31, 2020 | $ | 45,981 |  |  | $ | 19,892 |  |  | $ | 9,477 |  |  | $ | 9,895 |  |  | $ | 5,395 |  |  | $ | 1,547 |  |  | $ | 92,187 |
Provision for credit losses | 7,168 |  |  | 2,599 |  |  | 1,600 |  |  | 6,038 |  |  | 744 |  |  | 242 |  |  | 18,391 |
Charge-offs | (3,303 | ) |  | (224 | ) |  | — |  |  | — |  |  | (32 | ) |  | (105 | ) |  | (3,664 | )
Recoveries | 293 |  |  | 2,752 |  |  | 11 |  |  | 29 |  |  | 226 |  |  | 45 |  |  | 3,356 |
Balance at June 30, 2020 | $ | 50,139 |  |  | $ | 25,019 |  |  | $ | 11,088 |  |  | $ | 15,962 |  |  | $ | 6,333 |  |  | $ | 1,729 |  |  | $ | 110,270 |
(in thousands) | Commercial and industrial |  | CRE - investor owned |  | CRE - owner occupied |  | Construction and land development |  | Residential real estate |  | 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 | 18,759 |  |  | 5,823 |  |  | 3,594 |  |  | 8,347 |  |  | 2,755 |  |  | 808 |  |  | 40,086 |
Charge-offs | (3,366 | ) |  | (226 | ) |  | — |  |  | (31 | ) |  | (154 | ) |  | (191 | ) |  | (3,968 | )
Recoveries | 797 |  |  | 2,766 |  |  | 80 |  |  | 69 |  |  | 383 |  |  | 62 |  |  | 4,157 |
Balance at June 30, 2020 | $ | 50,139 |  |  | $ | 25,019 |  |  | $ | 11,088 |  |  | $ | 15,962 |  |  | $ | 6,333 |  |  | $ | 1,729 |  |  | $ | 110,270 |
Reserves on enterprise value lending and agricultural lending, which are included in the categories above, represented $15.8 million and $2.4 million, respectively.
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 June 30, 2020 and December 31, 2019, is as follows:
| June 30, 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 | $ | 27,431 |  |  | $ | 3,642 |  |  | $ | 865 |  |  | $ | 31,938 |  |  | $ | 20,553 |
Real estate: |  |  |  |  |  |  |  |  |
Commercial - investor owned | 2,389 |  |  | — |  |  | — |  |  | 2,389 |  |  | 1,677 |
Commercial - owner occupied | 2,400 |  |  | — |  |  | — |  |  | 2,400 |  |  | 1,403 |
Construction and land development | 207 |  |  | — |  |  | — |  |  | 207 |  |  | 207 |
Residential | 4,421 |  |  | 78 |  |  | — |  |  | 4,499 |  |  | 3,444 |
Other | 19 |  |  | — |  |  | 21 |  |  | 40 |  |  | — |
Total | $ | 36,867 |  |  | $ | 3,720 |  |  | $ | 886 |  |  | $ | 41,473 |  |  | $ | 27,284 |
There was no interest income recognized on nonaccrual loans during the six months ended June 30, 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 |
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 June 30, 2020:
| Type of Collateral
(in thousands) | Commercial Real Estate |  | Residential Real Estate |  | Blanket Lien
Commercial and industrial | $ | 13,124 |  |  | $ | — |  |  | $ | 4,872 |
Real estate: |  |  |  |  |
Commercial - investor owned | 2,389 |  |  | — |  |  | — |
Commercial - owner occupied | 1,811 |  |  | — |  |  | — |
Construction and land development | — |  |  | 207 |  |  | — |
Residential | — |  |  | 4,271 |  |  | — |
Total | $ | 17,324 |  |  | $ | 4,478 |  |  | $ | 4,872 |
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 June 30, 2020:
| Type of Collateral
(in thousands) | Commercial Real Estate |  | Residential Real Estate |  | Blanket Lien
Commercial and industrial | $ | 13,124 |  |  | $ | — |  |  | $ | 4,872 |
Real estate: |  |  |  |  |
Commercial - investor owned | 2,389 |  |  | — |  |  | — |
Commercial - owner occupied | 1,811 |  |  | — |  |  | — |
Construction and land development | — |  |  | 207 |  |  | — |
Residential | — |  |  | 4,271 |  |  | — |
Total | $ | 17,324 |  |  | $ | 4,478 |  |  | $ | 4,872 |
There were no troubled debt restructurings that occurred during the three months ended June 30, 2020. The recorded investment by category for troubled debt restructurings that occurred during the six months ended June 30, 2020 and the three and six months ended June 30, 2019 are as follows:
| June 30, 2020 |  | June 30, 2019
(in thousands, except for number of loans) | Number of loans |  | Pre-Modification Outstanding Recorded Balance |  | Post-Modification Outstanding Recorded Balance |  | Number of loans |  | Pre-Modification Outstanding Recorded Balance |  | Post-Modification Outstanding Recorded Balance
Commercial and industrial | 1 |  |  | $ | 3,731 |  |  | $ | 3,731 |  |  | — |  |  | $ | — |  |  | $ | — |
Real estate: |  |  |  |  |  |  |  |  |  |  |
Commercial - owner occupied | — |  |  | — |  |  | — |  |  | 1 |  |  | 188 |  |  | 188 |
Residential | 2 |  |  | 155 |  |  | 155 |  |  | 2 |  |  | 332 |  |  | 332 |
Total | 3 |  |  | $ | 3,886 |  |  | $ | 3,886 |  |  | 3 |  |  | $ | 520 |  |  | $ | 520 |
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 or six months ended June 30, 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 June 30, 2020 is shown below.
| June 30, 2020
(in thousands) | 30-89 Days Past Due |  | 90 or More Days Past Due |  | Total Past Due |  | Current |  | Total
Commercial and industrial | $ | 6,684 |  |  | $ | 22,623 |  |  | $ | 29,307 |  |  | $ | 3,113,890 |  |  | $ | 3,143,197 |
Real estate: |  |  |  |  |  |  |  |  |
Commercial - investor owned | 116 |  |  | 2,095 |  |  | 2,211 |  |  | 1,307,684 |  |  | 1,309,895 |
Commercial - owner occupied | 2,723 |  |  | 1,208 |  |  | 3,931 |  |  | 734,618 |  |  | 738,549 |
Construction and land development | 58 |  |  | — |  |  | 58 |  |  | 481,163 |  |  | 481,221 |
Residential | 951 |  |  | 1,738 |  |  | 2,689 |  |  | 324,303 |  |  | 326,992 |
Other | 100 |  |  | 21 |  |  | 121 |  |  | 140,076 |  |  | 140,197 |
Total | $ | 10,632 |  |  | $ | 27,685 |  |  | $ | 38,317 |  |  | $ | 6,101,734 |  |  | $ | 6,140,051 |
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 June 30, 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) |  | $ | 1,239,062 |  |  | $ | 535,477 |  |  | $ | 318,046 |  |  | $ | 180,269 |  |  | $ | 47,210 |  |  | $ | 85,529 |  |  | $ | 14,954 |  |  | $ | 510,168 |  |  | $ | 2,930,715 |
Watch (7) |  | 26,347 |  |  | 13,354 |  |  | 4,850 |  |  | 6,468 |  |  | 24,044 |  |  | 175 |  |  | — |  |  | 62,293 |  |  | 137,531 |
Classified (8-9) |  | 3,775 |  |  | 15,068 |  |  | 8,155 |  |  | 3,950 |  |  | 5,093 |  |  | 3,673 |  |  | 295 |  |  | 23,222 |  |  | 63,231 |
Total Commercial and industrial |  | $ | 1,269,184 |  |  | $ | 563,899 |  |  | $ | 331,051 |  |  | $ | 190,687 |  |  | $ | 76,347 |  |  | $ | 89,377 |  |  | $ | 15,249 |  |  | $ | 595,683 |  |  | $ | 3,131,477 |
Commercial real estate-investor owned |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass (1-6) |  | $ | 246,319 |  |  | $ | 321,849 |  |  | $ | 204,242 |  |  | $ | 126,567 |  |  | $ | 153,904 |  |  | $ | 181,761 |  |  | $ | 3,284 |  |  | $ | 35,460 |  |  | $ | 1,273,386 |
Watch (7) |  | 5,136 |  |  | 4,220 |  |  | 1,192 |  |  | 369 |  |  | 12,681 |  |  | 1,275 |  |  | — |  |  | — |  |  | 24,873 |
Classified (8-9) |  | — |  |  | 966 |  |  | 8,286 |  |  | 455 |  |  | 249 |  |  | 1,680 |  |  | — |  |  | — |  |  | 11,636 |
Total Commercial real estate-investor owned |  | $ | 251,455 |  |  | $ | 327,035 |  |  | $ | 213,720 |  |  | $ | 127,391 |  |  | $ | 166,834 |  |  | $ | 184,716 |  |  | $ | 3,284 |  |  | $ | 35,460 |  |  | $ | 1,309,895 |
Commercial real estate-owner occupied |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass (1-6) |  | $ | 147,313 |  |  | $ | 200,519 |  |  | $ | 92,624 |  |  | $ | 79,058 |  |  | $ | 44,990 |  |  | $ | 80,172 |  |  | $ | 2,756 |  |  | $ | 42,883 |  |  | $ | 690,315 |
Watch (7) |  | 9,473 |  |  | 1,963 |  |  | 261 |  |  | 9,729 |  |  | 8,533 |  |  | 5,074 |  |  | — |  |  | 2,500 |  |  | 37,533 |
Classified (8-9) |  | 601 |  |  | 1,156 |  |  | 4,267 |  |  | 458 |  |  | — |  |  | 4,219 |  |  | — |  |  | — |  |  | 10,701 |
Total Commercial real estate-owner occupied |  | $ | 157,387 |  |  | $ | 203,638 |  |  | $ | 97,152 |  |  | $ | 89,245 |  |  | $ | 53,523 |  |  | $ | 89,465 |  |  | $ | 2,756 |  |  | $ | 45,383 |  |  | $ | 738,549 |
Construction real estate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass (1-6) |  | $ | 75,983 |  |  | $ | 167,936 |  |  | $ | 121,909 |  |  | $ | 37,555 |  |  | $ | 28,060 |  |  | $ | 12,906 |  |  | $ | — |  |  | $ | 20,631 |  |  | $ | 464,980 |
Watch (7) |  | 2,408 |  |  | 722 |  |  | 1,254 |  |  | 11,047 |  |  | — |  |  | 546 |  |  | — |  |  | — |  |  | 15,977 |
Classified (8-9) |  | — |  |  | 227 |  |  | — |  |  | — |  |  | — |  |  | 37 |  |  | — |  |  | — |  |  | 264 |
Total Construction real estate |  | $ | 78,391 |  |  | $ | 168,885 |  |  | $ | 123,163 |  |  | $ | 48,602 |  |  | $ | 28,060 |  |  | $ | 13,489 |  |  | $ | — |  |  | $ | 20,631 |  |  | $ | 481,221 |
Residential real estate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass (1-6) |  | $ | 26,448 |  |  | $ | 33,085 |  |  | $ | 22,074 |  |  | $ | 19,931 |  |  | $ | 34,427 |  |  | $ | 115,036 |  |  | $ | 591 |  |  | $ | 63,505 |  |  | $ | 315,097 |
Watch (7) |  | 181 |  |  | 895 |  |  | 842 |  |  | — |  |  | — |  |  | 2,027 |  |  | 279 |  |  | 802 |  |  | 5,026 |
Classified (8-9) |  | 184 |  |  | 1,265 |  |  | 758 |  |  | 13 |  |  | 213 |  |  | 3,445 |  |  | — |  |  | 50 |  |  | 5,928 |
Total residential real estate |  | $ | 26,813 |  |  | $ | 35,245 |  |  | $ | 23,674 |  |  | $ | 19,944 |  |  | $ | 34,640 |  |  | $ | 120,508 |  |  | $ | 870 |  |  | $ | 64,357 |  |  | $ | 326,051 |
Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass (1-6) |  | $ | 8,758 |  |  | $ | 25,567 |  |  | $ | 20,615 |  |  | $ | 682 |  |  | $ | 3,705 |  |  | $ | 34,455 |  |  | $ | — |  |  | $ | 43,971 |  |  | $ | 137,753 |
Watch (7) |  | — |  |  | 2 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 1 |  |  | 3 |
Classified (8-9) |  | — |  |  | 1 |  |  | 3 |  |  | 4 |  |  | — |  |  | 19 |  |  | 10 |  |  | 7 |  |  | 44 |
Total Other |  | $ | 8,758 |  |  | $ | 25,570 |  |  | $ | 20,618 |  |  | $ | 686 |  |  | $ | 3,705 |  |  | $ | 34,474 |  |  | $ | 10 |  |  | $ | 43,979 |  |  | $ | 137,800 |
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:
|  | June 30, 2020
(in thousands) |  | Performing |  | Non Performing |  | Total
Commercial and industrial |  | $ | 11,682 |  |  | $ | 38 |  |  | $ | 11,720 |
Real estate: |  |  |  |  |  |
Residential |  | 941 |  |  | — |  |  | 941 |
Other |  | 2,376 |  |  | 21 |  |  | 2,397 |
Total |  | $ | 14,999 |  |  | $ | 59 |  |  | $ | 15,058 |
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 |
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

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