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Portfolio Loans (Tables) | 12 Months Ended
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Dec. 31, 2021
Non-covered Loans [Line Items] |
Schedule of Collateral Dependent Loans | The amortized cost basis of collateral-dependent nonperforming loans by class of loan is presented for the periods indicated:
| December 31, 2021
| Type of Collateral
(in thousands) | Commercial Real Estate |  | Residential Real Estate |  | Blanket Lien |  |
Commercial and industrial | $ | 4,271 |  |  | $ | 209 |  |  | $ | 9,312 |  |  |
Real estate: |  |  |  |  |  |  |
Commercial - investor owned | 169 |  |  | 1,200 |  |  | — |  |  |
Commercial - owner occupied | 2,807 |  |  | 32 |  |  | — |  |  |
Residential | — |  |  | 2,048 |  |  | — |  |  |
Total | $ | 7,247 |  |  | $ | 3,489 |  |  | $ | 9,312 |  |  |
| December 31, 2020
| Type of Collateral
(in thousands) | Commercial Real Estate |  | Residential Real Estate |  | Blanket Lien |  | Other
Commercial and industrial | $ | 8,316 |  |  | $ | — |  |  | $ | 394 |  |  | $ | — |
Real estate: |  |  |  |  |  |  |
Commercial - investor owned | 9,579 |  |  | — |  |  | — |  |  | — |
Commercial - owner occupied | 2,940 |  |  | — |  |  | — |  |  | — |
Residential | — |  |  | 4,135 |  |  | — |  |  | — |
Other | — |  |  | — |  |  | — |  |  | 17 |
Total | $ | 20,835 |  |  | $ | 4,135 |  |  | $ | 394 |  |  | $ | 17 |
Acquired PCD Loans | The Company has purchased loans, for which there was, at acquisition, evidence of more than insignificant deterioration of credit quality since origination. The carrying amount of those loans is as follows:
($ in thousands) | At July 21, 2021
Par value of acquired loans | $ | 180,440 |
Allowance for credit losses | (7,006) |
Non-credit discount | (6,428) |
Purchase price of acquired loans | $ | 167,006 |
Non-Covered Loans |
Non-covered Loans [Line Items] |
Summary of Portfolio Loans by Category | Below is a summary of loans by category at December 31, 2021 and 2020:
($ in thousands) | December 31, 2021 |  | December 31, 2020
Commercial and industrial | $ | 3,396,590 |  |  | $ | 3,100,299 |
Real estate loans: |  |  |
Commercial - investor owned | 2,141,143 |  |  | 1,589,419 |
Commercial - owner occupied | 2,035,785 |  |  | 1,498,408 |
Construction and land development | 734,073 |  |  | 546,686 |
Residential | 454,052 |  |  | 319,179 |
Total real estate loans | 5,365,053 |  |  | 3,953,692 |
Other | 265,137 |  |  | 187,083 |
Loans, before unearned loan fees | 9,026,780 |  |  | 7,241,074 |
Unearned loan fees, net | (9,138) |  |  | (16,139) |
Loans, including unearned loan fees | $ | 9,017,642 |  |  | $ | 7,224,935 |
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, by loan category, in the allowance for loan losses for 2019, excluding the allowance on PCI loans, and the ACL on loans for 2020 and 2021 is as follows:
($ in thousands) | Commercial and industrial |  | CRE - investor owned |  | CRE - owner occupied |  | Construction and land development |  | Residential real estate |  | Other |  |  |  | Total
Balance at December 31, 2019 |  |  |  |  |  |  |  |  |  |  |  |  |  |
Allowance for loan losses: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Balance, beginning of year | $ | 29,039 |  |  | $ | 4,683 |  |  | $ | 4,239 |  |  | $ | 1,987 |  |  | $ | 1,616 |  |  | $ | 731 |  |  |  |  | $ | 42,295 |
Provision for loan losses | 4,801 |  |  | 1,708 |  |  | 673 |  |  | (237) |  |  | (330) |  |  | 67 |  |  |  |  | 6,682 |
Charge-offs | (6,882) |  |  | (551) |  |  | (58) |  |  | (54) |  |  | (667) |  |  | (382) |  |  |  |  | (8,594) |
Recoveries | 338 |  |  | 95 |  |  | 19 |  |  | 776 |  |  | 661 |  |  | 295 |  |  |  |  | 2,184 |
Balance, end of year | $ | 27,296 |  |  | $ | 5,935 |  |  | $ | 4,873 |  |  | $ | 2,472 |  |  | $ | 1,280 |  |  | $ | 711 |  |  |  |  | $ | 42,567 |
Balance at December 31, 2020 |  |  |  |  |  |  |  |  |  |  |  |  |  |
Allowance for loan losses: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Balance at December 31, 2019 | $ | 27,296 |  |  | $ | 5,935 |  |  | $ | 4,873 |  |  | $ | 2,472 |  |  | $ | 1,280 |  |  | $ | 711 |  |  |  |  | $ | 42,567 |
PCI allowance at December 31, 2019 | 159 |  |  | — |  |  | — |  |  | 139 |  |  | — |  |  | 423 |  |  |  |  | 721 |
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, beginning of year | $ | 33,949 |  |  | $ | 16,656 |  |  | $ | 7,414 |  |  | $ | 7,577 |  |  | $ | 3,349 |  |  | $ | 1,050 |  |  |  |  | $ | 69,995 |
Provision for loan losses | 28,373 |  |  | 11,037 |  |  | 7,845 |  |  | 13,438 |  |  | 674 |  |  | 2,012 |  |  |  |  | 63,379 |
Initial allowance on acquired PCD loans | 23 |  |  | 2,026 |  |  | 1,427 |  |  | 45 |  |  | 3 |  |  | — |  |  |  |  | 3,524 |
Charge-offs | (5,381) |  |  | (498) |  |  | (30) |  |  | (31) |  |  | (408) |  |  | (391) |  |  |  |  | (6,739) |
Recoveries | 1,848 |  |  | 2,841 |  |  | 356 |  |  | 384 |  |  | 967 |  |  | 116 |  |  |  |  | 6,512 |
Balance, end of year | $ | 58,812 |  |  | $ | 32,062 |  |  | $ | 17,012 |  |  | $ | 21,413 |  |  | $ | 4,585 |  |  | $ | 2,787 |  |  |  |  | $ | 136,671 |
Balance at December 31, 2021 |  |  |  |  |  |  |  |  |  |  |  |  |  |
Allowance for credit losses: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Balance, beginning of year | $ | 58,812 |  |  | $ | 32,062 |  |  | $ | 17,012 |  |  | $ | 21,413 |  |  | $ | 4,585 |  |  | $ | 2,787 |  |  |  |  | $ | 136,671 |
Provision (benefit) for loan losses | 14,361 |  |  | 568 |  |  | (550) |  |  | (7,365) |  |  | 3,900 |  |  | 2,079 |  |  |  |  | 12,993 |
Initial allowance on acquired PCD loans | 1,077 |  |  | 3,651 |  |  | 1,504 |  |  | 37 |  |  | — |  |  | 737 |  |  |  |  | 7,006 |
Charge-offs | (12,113) |  |  | (2,487) |  |  | (602) |  |  | (3) |  |  | (1,521) |  |  | (459) |  |  |  |  | (17,185) |
Recoveries | 1,688 |  |  | 2,083 |  |  | 196 |  |  | 454 |  |  | 963 |  |  | 172 |  |  |  |  | 5,556 |
Balance, end of year | $ | 63,825 |  |  | $ | 35,877 |  |  | $ | 17,560 |  |  | $ | 14,536 |  |  | $ | 7,927 |  |  | $ | 5,316 |  |  |  |  | $ | 145,041 |
Schedule of Recorded Investment in Impaired Portfolio Loans by Category | The recorded investment in nonperforming loans by category at December 31, 2021 and 2020 is as follows:
| December 31, 2021
($ in thousands) | Non-accrual |  | Restructured, accruing |  | Loans over 90 days past due and still accruing interest |  | Total nonperforming loans |  | Nonaccrual loans with no allowance
Commercial and industrial | $ | 17,052 |  |  | $ | 2,783 |  |  | $ | 1,703 |  |  | $ | 21,538 |  |  | $ | 5,685 |
Real estate: |  |  |  |  |  |  |  |  |
Commercial - investor owned | 1,575 |  |  | — |  |  | — |  |  | 1,575 |  |  | 168 |
Commercial - owner occupied | 2,839 |  |  | — |  |  | — |  |  | 2,839 |  |  | 2,550 |
Residential | 1,971 |  |  | 76 |  |  | 1 |  |  | 2,048 |  |  | 1,348 |
Other | 12 |  |  | — |  |  | 12 |  |  | 24 |  |  | — |
Total | $ | 23,449 |  |  | $ | 2,859 |  |  | $ | 1,716 |  |  | $ | 28,024 |  |  | $ | 9,751 |
| December 31, 2020
($ in thousands) | Non-accrual |  | Restructured, accruing |  | Loans over 90 days past due and still accruing interest |  | Total nonperforming loans |  | Nonaccrual loans with no allowance
Commercial and industrial | $ | 18,158 |  |  | $ | 3,482 |  |  | $ | 130 |  |  | $ | 21,770 |  |  | $ | 8,316 |
Real estate: |  |  |  |  |  |  |  |  |
Commercial - investor owned | 9,579 |  |  | — |  |  | — |  |  | 9,579 |  |  | 716 |
Commercial - owner occupied | 2,940 |  |  | — |  |  | — |  |  | 2,940 |  |  | 6,024 |
Residential | 4,112 |  |  | 77 |  |  | — |  |  | 4,189 |  |  | — |
Other | 29 |  |  | — |  |  | — |  |  | 29 |  |  | 3,190 |
Total | $ | 34,818 |  |  | $ | 3,559 |  |  | $ | 130 |  |  | $ | 38,507 |  |  | $ | 18,246 |
Summary of Recorded Investment by for Portfolio Loans Restructured | The recorded investment by category for loans restructured during the years ended December 31, 2021 and 2020 is as follows:
| Year ended December 31, 2021 |  | Year ended December 31, 2020
($ 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 | — |  |  | $ | — |  |  | $ | — |  |  | 3 |  |  | $ | 7,447 |  |  | $ | 7,447 |
Real estate: |  |  |  |  |  |  |  |  |  |  |
Residential | 1 |  |  | 221 |  |  | 221 |  |  | 3 |  |  | 372 |  |  | 372 |
Total | 1 |  |  | $ | 221 |  |  | $ | 221 |  |  | 6 |  |  | $ | 7,819 |  |  | $ | 7,819 |
Summary of Recorded Investment by Category for Portfolio Loans Restructured and Subsequently Defaulted | Restructured loans primarily resulted from interest rate concessions. As of December 31, 2021, the Company allocated an immaterial amount in specific reserves to loans that have been restructured. Loans restructured that subsequently defaulted during the year ended December 31, 2021 are as follows:
| Year ended December 31, 2021 |  |
($ in thousands, except for number of loans) | Number of Loans |  | Recorded Balance |  |  |  |
Real Estate: |  |  |  |  |  |  |
Residential | 1 |  |  | 148 |  |  |  |  |
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 and category at December 31, 2021 and 2020 is shown below:
| December 31, 2021
($ in thousands) | 30-89 Days Past Due |  | 90 or More Days Past Due |  | Total Past Due |  | Current |  | Total
Commercial and industrial | $ | 24,447 |  |  | $ | 14,158 |  |  | $ | 38,605 |  |  | $ | 3,353,770 |  |  | $ | 3,392,375 |
Real estate: |  |  |  |  |  |  |  |  |
Commercial - investor owned | 3,880 |  |  | — |  |  | 3,880 |  |  | 2,137,263 |  |  | 2,141,143 |
Commercial - owner occupied | 10,070 |  |  | 289 |  |  | 10,359 |  |  | 2,025,426 |  |  | 2,035,785 |
Construction and land development | 24 |  |  | — |  |  | 24 |  |  | 734,049 |  |  | 734,073 |
Residential | 3,181 |  |  | 1,305 |  |  | 4,486 |  |  | 449,566 |  |  | 454,052 |
Other | 37 |  |  | 11 |  |  | 48 |  |  | 260,166 |  |  | 260,214 |
Total | $ | 41,639 |  |  | $ | 15,763 |  |  | $ | 57,402 |  |  | $ | 8,960,240 |  |  | $ | 9,017,642 |
| December 31, 2020
($ in thousands) | 30-89 Days Past Due |  | 90 or More Days Past Due |  | Total Past Due |  | Current |  | Total
Commercial and industrial | $ | 8,652 |  |  | $ | 12,928 |  |  | $ | 21,580 |  |  | $ | 3,067,415 |  |  | $ | 3,088,995 |
Real estate: |  |  |  |  |  |  |  |  |
Commercial - investor owned | 734 |  |  | 9,301 |  |  | 10,035 |  |  | 1,579,384 |  |  | 1,589,419 |
Commercial - owner occupied | 328 |  |  | 4,647 |  |  | 4,975 |  |  | 1,493,433 |  |  | 1,498,408 |
Construction and land development | 13 |  |  | — |  |  | 13 |  |  | 546,673 |  |  | 546,686 |
Residential | 2,071 |  |  | 2,118 |  |  | 4,189 |  |  | 314,990 |  |  | 319,179 |
Other | 1,731 |  |  | 50 |  |  | 1,781 |  |  | 180,467 |  |  | 182,248 |
Total | $ | 13,529 |  |  | $ | 29,044 |  |  | $ | 42,573 |  |  | $ | 7,182,362 |  |  | $ | 7,224,935 |
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 and year of origination is presented in the following tables as of the dates indicated:
|  | December 31, 2021
|  | Term Loans by Origination Year |  |  |  |  |  |
(in thousands) |  | 2021 |  | 2020 |  | 2019 |  | 2018 |  | 2017 |  | Prior |  | Revolving Loans Converted to Term Loans |  | Revolving Loans |  | Total
Commercial and industrial |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass (1-6) |  | $ | 1,180,601 |  |  | $ | 477,374 |  |  | $ | 317,869 |  |  | $ | 132,851 |  |  | $ | 116,738 |  |  | $ | 82,846 |  |  | $ | 11,648 |  |  | $ | 854,102 |  |  | $ | 3,174,029 |
Watch (7) |  | 35,005 |  |  | 17,502 |  |  | 9,404 |  |  | 9,880 |  |  | 12,217 |  |  | 10,979 |  |  | 4,037 |  |  | 53,595 |  |  | 152,619 |
Classified (8-9) |  | 14,917 |  |  | 3,530 |  |  | 3,840 |  |  | 1,689 |  |  | 2,988 |  |  | 813 |  |  | 787 |  |  | 10,996 |  |  | 39,560 |
Total Commercial and industrial |  | $ | 1,230,523 |  |  | $ | 498,406 |  |  | $ | 331,113 |  |  | $ | 144,420 |  |  | $ | 131,943 |  |  | $ | 94,638 |  |  | $ | 16,472 |  |  | $ | 918,693 |  |  | $ | 3,366,208 |
Commercial real estate-investor owned |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass (1-6) |  | $ | 651,740 |  |  | $ | 476,946 |  |  | $ | 346,245 |  |  | $ | 146,107 |  |  | $ | 112,043 |  |  | $ | 217,808 |  |  | $ | 3,625 |  |  | $ | 68,236 |  |  | $ | 2,022,750 |
Watch (7) |  | 16,871 |  |  | 35,908 |  |  | 32,755 |  |  | 1,003 |  |  | 502 |  |  | 17,478 |  |  | 300 |  |  | 2,062 |  |  | 106,879 |
Classified (8-9) |  | 1,376 |  |  | 3,135 |  |  | 835 |  |  | 817 |  |  | 1,159 |  |  | 4,141 |  |  | — |  |  | 50 |  |  | 11,513 |
Total Commercial real estate-investor owned |  | $ | 669,987 |  |  | $ | 515,989 |  |  | $ | 379,835 |  |  | $ | 147,927 |  |  | $ | 113,704 |  |  | $ | 239,427 |  |  | $ | 3,925 |  |  | $ | 70,348 |  |  | $ | 2,141,142 |
Commercial real estate-owner occupied |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass (1-6) |  | $ | 604,975 |  |  | $ | 423,263 |  |  | $ | 278,830 |  |  | $ | 164,210 |  |  | $ | 140,515 |  |  | $ | 235,973 |  |  | $ | 250 |  |  | $ | 48,349 |  |  | $ | 1,896,365 |
Watch (7) |  | 12,825 |  |  | 13,585 |  |  | 4,301 |  |  | 16,774 |  |  | 10,274 |  |  | 15,764 |  |  | — |  |  | 300 |  |  | 73,823 |
Classified (8-9) |  | 2,048 |  |  | 556 |  |  | 9,181 |  |  | 17,016 |  |  | 6,432 |  |  | 6,959 |  |  | — |  |  | — |  |  | 42,192 |
Total Commercial real estate-owner occupied |  | $ | 619,848 |  |  | $ | 437,404 |  |  | $ | 292,312 |  |  | $ | 198,000 |  |  | $ | 157,221 |  |  | $ | 258,696 |  |  | $ | 250 |  |  | $ | 48,649 |  |  | $ | 2,012,380 |
Construction real estate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass (1-6) |  | $ | 310,140 |  |  | $ | 229,396 |  |  | $ | 70,531 |  |  | $ | 35,936 |  |  | $ | 14,860 |  |  | $ | 7,180 |  |  | $ | 568 |  |  | $ | 2,992 |  |  | $ | 671,603 |
Watch (7) |  | 28,947 |  |  | 15,348 |  |  | 60 |  |  | 1,199 |  |  | 11,068 |  |  | 2,330 |  |  | — |  |  | — |  |  | 58,952 |
Classified (8-9) |  | — |  |  | — |  |  | 387 |  |  | 419 |  |  | — |  |  | 22 |  |  | — |  |  | — |  |  | 828 |
Total Construction real estate |  | $ | 339,087 |  |  | $ | 244,744 |  |  | $ | 70,978 |  |  | $ | 37,554 |  |  | $ | 25,928 |  |  | $ | 9,532 |  |  | $ | 568 |  |  | $ | 2,992 |  |  | $ | 731,383 |
Residential real estate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass (1-6) |  | $ | 116,352 |  |  | $ | 66,481 |  |  | $ | 21,356 |  |  | $ | 14,841 |  |  | $ | 24,778 |  |  | $ | 103,840 |  |  | $ | 9,980 |  |  | $ | 87,146 |  |  | $ | 444,774 |
Watch (7) |  | 2,425 |  |  | 2 |  |  | 622 |  |  | 1,157 |  |  | 248 |  |  | 1,305 |  |  | — |  |  | 79 |  |  | 5,838 |
Classified (8-9) |  | 414 |  |  | 169 |  |  | 554 |  |  | — |  |  | 12 |  |  | 2,024 |  |  | — |  |  | — |  |  | 3,173 |
Total residential real estate |  | $ | 119,191 |  |  | $ | 66,652 |  |  | $ | 22,532 |  |  | $ | 15,998 |  |  | $ | 25,038 |  |  | $ | 107,169 |  |  | $ | 9,980 |  |  | $ | 87,225 |  |  | $ | 453,785 |
Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass (1-6) |  | $ | 108,209 |  |  | $ | 68,806 |  |  | $ | 22,684 |  |  | $ | 23,145 |  |  | $ | 6,924 |  |  | $ | 13,832 |  |  | $ | 1,500 |  |  | $ | 9,166 |  |  | $ | 254,266 |
Watch (7) |  | — |  |  | — |  |  | — |  |  | 4 |  |  | — |  |  | 2,440 |  |  | — |  |  | 1 |  |  | 2,445 |
Classified (8-9) |  | — |  |  | — |  |  | 10 |  |  | 10 |  |  | — |  |  | 16 |  |  | — |  |  | 2 |  |  | 38 |
Total Other |  | $ | 108,209 |  |  | $ | 68,806 |  |  | $ | 22,694 |  |  | $ | 23,159 |  |  | $ | 6,924 |  |  | $ | 16,288 |  |  | $ | 1,500 |  |  | $ | 9,169 |  |  | $ | 256,749 |
Total loans classified by risk category |  | $ | 3,086,845 |  |  | $ | 1,832,001 |  |  | $ | 1,119,464 |  |  | $ | 567,058 |  |  | $ | 460,758 |  |  | $ | 725,750 |  |  | $ | 32,695 |  |  | $ | 1,137,076 |  |  | $ | 8,961,647 |
Total loans classified by performing status |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 55,995 |
Total loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $ | 9,017,642 |
|  | December 31, 2020
|  | 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) |  | $ | 1,402,276 |  |  | $ | 454,729 |  |  | $ | 262,258 |  |  | $ | 132,832 |  |  | $ | 25,057 |  |  | $ | 58,315 |  |  | $ | 14,118 |  |  | $ | 527,170 |  |  | $ | 2,876,755 |
Watch (7) |  | 44,922 |  |  | 15,369 |  |  | 9,585 |  |  | 7,509 |  |  | 19,613 |  |  | 110 |  |  | — |  |  | 60,448 |  |  | 157,556 |
Classified (8-9) |  | 6,602 |  |  | 9,219 |  |  | 3,115 |  |  | 3,964 |  |  | 4,490 |  |  | 1,080 |  |  | 1,281 |  |  | 22,432 |  |  | 52,183 |
Total Commercial and industrial |  | $ | 1,453,800 |  |  | $ | 479,317 |  |  | $ | 274,958 |  |  | $ | 144,305 |  |  | $ | 49,160 |  |  | $ | 59,505 |  |  | $ | 15,399 |  |  | $ | 610,050 |  |  | $ | 3,086,494 |
Commercial real estate-investor owned |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass (1-6) |  | $ | 481,867 |  |  | $ | 338,843 |  |  | $ | 189,305 |  |  | $ | 131,718 |  |  | $ | 138,288 |  |  | $ | 161,439 |  |  | $ | 6,509 |  |  | $ | 32,058 |  |  | $ | 1,480,027 |
Watch (7) |  | 32,308 |  |  | 19,722 |  |  | 6,656 |  |  | — |  |  | 9,647 |  |  | 17,370 |  |  | — |  |  | — |  |  | 85,703 |
Classified (8-9) |  | — |  |  | 5,278 |  |  | 8,716 |  |  | 5,830 |  |  | 1,245 |  |  | 2,620 |  |  | — |  |  | — |  |  | 23,689 |
Total Commercial real estate-investor owned |  | $ | 514,175 |  |  | $ | 363,843 |  |  | $ | 204,677 |  |  | $ | 137,548 |  |  | $ | 149,180 |  |  | $ | 181,429 |  |  | $ | 6,509 |  |  | $ | 32,058 |  |  | $ | 1,589,419 |
Commercial real estate-owner occupied |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass (1-6) |  | $ | 419,142 |  |  | $ | 287,001 |  |  | $ | 215,181 |  |  | $ | 179,382 |  |  | $ | 104,470 |  |  | $ | 167,456 |  |  | $ | 2,672 |  |  | $ | 45,323 |  |  | $ | 1,420,627 |
Watch (7) |  | 13,657 |  |  | 5,257 |  |  | 3,113 |  |  | 6,198 |  |  | 4,338 |  |  | 8,460 |  |  | 1,776 |  |  | 941 |  |  | 43,740 |
Classified (8-9) |  | 2,420 |  |  | 7,427 |  |  | 5,822 |  |  | 6,140 |  |  | 1,309 |  |  | 10,860 |  |  | — |  |  | 63 |  |  | 34,041 |
Total Commercial real estate-owner occupied |  | $ | 435,219 |  |  | $ | 299,685 |  |  | $ | 224,116 |  |  | $ | 191,720 |  |  | $ | 110,117 |  |  | $ | 186,776 |  |  | $ | 4,448 |  |  | $ | 46,327 |  |  | $ | 1,498,408 |
Construction real estate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass (1-6) |  | $ | 223,069 |  |  | $ | 156,360 |  |  | $ | 45,460 |  |  | $ | 18,579 |  |  | $ | 11,539 |  |  | $ | 9,144 |  |  | $ | — |  |  | $ | 28,880 |  |  | $ | 493,031 |
Watch (7) |  | 2,544 |  |  | 86 |  |  | 34,179 |  |  | 11,632 |  |  | — |  |  | 2,499 |  |  | — |  |  | — |  |  | 50,940 |
Classified (8-9) |  | 56 |  |  | 2,124 |  |  | 503 |  |  | 1 |  |  | — |  |  | 31 |  |  | — |  |  | — |  |  | 2,715 |
Total Construction real estate |  | $ | 225,669 |  |  | $ | 158,570 |  |  | $ | 80,142 |  |  | $ | 30,212 |  |  | $ | 11,539 |  |  | $ | 11,674 |  |  | $ | — |  |  | $ | 28,880 |  |  | $ | 546,686 |
Residential real estate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass (1-6) |  | $ | 57,059 |  |  | $ | 27,907 |  |  | $ | 17,718 |  |  | $ | 17,138 |  |  | $ | 27,443 |  |  | $ | 92,657 |  |  | $ | 1,172 |  |  | $ | 66,902 |  |  | $ | 307,996 |
Watch (7) |  | 210 |  |  | 840 |  |  | 526 |  |  | — |  |  | 514 |  |  | 1,603 |  |  | 287 |  |  | 511 |  |  | 4,491 |
Classified (8-9) |  | 571 |  |  | 733 |  |  | 121 |  |  | 14 |  |  | 898 |  |  | 3,181 |  |  | — |  |  | 253 |  |  | 5,771 |
Total residential real estate |  | $ | 57,840 |  |  | $ | 29,480 |  |  | $ | 18,365 |  |  | $ | 17,152 |  |  | $ | 28,855 |  |  | $ | 97,441 |  |  | $ | 1,459 |  |  | $ | 67,666 |  |  | $ | 318,258 |
Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass (1-6) |  | $ | 43,526 |  |  | $ | 28,195 |  |  | $ | 30,074 |  |  | $ | 9,646 |  |  | $ | 5,641 |  |  | $ | 17,027 |  |  | $ | — |  |  | $ | 40,779 |  |  | $ | 174,888 |
Watch (7) |  | — |  |  | 1 |  |  | 8 |  |  | — |  |  | — |  |  | 2,637 |  |  | — |  |  | 1 |  |  | 2,647 |
Classified (8-9) |  | — |  |  | 18 |  |  | 19 |  |  | 13 |  |  | — |  |  | 17 |  |  | 8 |  |  | 4 |  |  | 79 |
Total Other |  | $ | 43,526 |  |  | $ | 28,214 |  |  | $ | 30,101 |  |  | $ | 9,659 |  |  | $ | 5,641 |  |  | $ | 19,681 |  |  | $ | 8 |  |  | $ | 40,784 |  |  | $ | 177,614 |
Total loans classified by risk category |  | $ | 2,730,229 |  |  | $ | 1,359,109 |  |  | $ | 832,359 |  |  | $ | 530,596 |  |  | $ | 354,492 |  |  | $ | 556,506 |  |  | $ | 27,823 |  |  | $ | 825,765 |  |  | $ | 7,216,879 |
Total loans classified by performing status |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 8,056 |
Total loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $ | 7,224,935 |
In the tables above, loan originations in 2021 and 2020 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 tables present the recorded investment on loans based on aging status:
| December 31, 2021
(in thousands) | Performing |  | Non Performing |  | Total
Commercial and industrial | $ | 26,166 |  |  | $ | 1 |  |  | $ | 26,167 |
Real estate: |  |  |  |  |
Commercial - investor owned | 1 |  |  | — |  |  | 1 |
Commercial - owner occupied | 23,405 |  |  | — |  |  | 23,405 |
Construction and land development | 2,690 |  |  | — |  |  | 2,690 |
Residential | 267 |  |  | — |  |  | 267 |
Other | 3,453 |  |  | 12 |  |  | 3,465 |
Total | $ | 55,982 |  |  | $ | 13 |  |  | $ | 55,995 |
| December 31, 2020
(in thousands) | Performing |  | Non Performing |  | Total
Commercial and industrial | $ | 2,502 |  |  | $ | — |  |  | $ | 2,502 |
Real estate: |  |  |  |  |
Residential | 921 |  |  | — |  |  | 921 |
Other | 4,612 |  |  | 21 |  |  | 4,633 |
Total | $ | 8,035 |  |  | $ | 21 |  |  | $ | 8,056 |

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