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ALLOWANCE FOR LOAN LOSSES AND CREDIT QUALITY (Tables) | 12 Months Ended
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Dec. 31, 2018
Receivables [Abstract] |
In Allowance For Loan Losses and Recorded Investment In Loans By Portfolio Segment | The following tables present the activity and balance in the allowance for loan losses by portfolio segment for the year ended December 31, 2018, 2017 and 2016:
|  |  | Commercial |  |  |  |  |  |  |  |  |  |  |  |
|  |  | Real Estate |  |  |  |  |  |  |  |  |  |  |  |
| Commercial |  | and |  | Agri-business |  |  |  | Consumer |  |  |  |  |  |
| and |  | Multi-family |  | and |  | Other |  | 1-4 Family |  | Other |  |  |  |
(dollars in thousands) | Industrial |  | Residential |  | Agricultural |  | Commercial |  | Mortgage |  | Consumer |  | Unallocated |  | Total
December 31, 2018 |
Beginning balance | $21,097 |  | $14,714 |  | $4,920 |  | $577 |  | $2,768 |  | $379 |  | $2,666 |  | $47,121
Provision for loan losses | 5,884 |  | 1,140 |  | (657) |  | (209) |  | (536) |  | 150 |  | 628 |  | 6,400
Loans charged-off | (5,215) |  | (491) |  | 0 |  | 0 |  | (48) |  | (357) |  | 0 |  | (6,111)
Recoveries | 752 |  | 30 |  | 42 |  | 0 |  | 108 |  | 111 |  | 0 |  | 1,043
Net loans charged-off/(recovered) | (4,463) |  | (461) |  | 42 |  | 0 |  | 60 |  | (246) |  | 0 |  | (5,068)
Ending balance | $22,518 |  | $15,393 |  | $4,305 |  | $368 |  | $2,292 |  | $283 |  | $3,294 |  | $48,453
|  |  | Commercial |  |  |  |  |  |  |  |  |  |  |  |
|  |  | Real Estate |  |  |  |  |  |  |  |  |  |  |  |
| Commercial |  | and |  | Agri-business |  |  |  | Consumer |  |  |  |  |  |
| and |  | Multi-family |  | and |  | Other |  | 1-4 Family |  | Other |  |  |  |
(dollars in thousands) | Industrial |  | Residential |  | Agricultural |  | Commercial |  | Mortgage |  | Consumer |  | Unallocated |  | Total
December 31, 2017 |
Beginning balance | $20,272 |  | $13,452 |  | $3,532 |  | $461 |  | $2,827 |  | $387 |  | $2,787 |  | $43,718
Provision for loan losses | 614 |  | 997 |  | 1,365 |  | 116 |  | (105) |  | 134 |  | (121) |  | 3,000
Loans charged-off | (842) |  | (406) |  | 0 |  | 0 |  | (53) |  | (259) |  | 0 |  | (1,560)
Recoveries | 1,053 |  | 671 |  | 23 |  | 0 |  | 99 |  | 117 |  | 0 |  | 1,963
Net loans charged-off/(recovered) | 211 |  | 265 |  | 23 |  | 0 |  | 46 |  | (142) |  | 0 |  | 403
Ending balance | $21,097 |  | $14,714 |  | $4,920 |  | $577 |  | $2,768 |  | $379 |  | $2,666 |  | $47,121
|  |  | Commercial |  |  |  |  |  |  |  |  |  |  |  |
|  |  | Real Estate |  |  |  |  |  |  |  |  |  |  |  |
| Commercial |  | and |  | Agri-business |  |  |  | Consumer |  |  |  |  |  |
| and |  | Multi-family |  | and |  | Other |  | 1-4 Family |  | Other |  |  |  |
(dollars in thousands) | Industrial |  | Residential |  | Agricultural |  | Commercial |  | Mortgage |  | Consumer |  | Unallocated |  | Total
December 31, 2016 |
Beginning balance | $21,564 |  | $12,473 |  | $2,445 |  | $574 |  | $3,395 |  | $319 |  | $2,840 |  | $43,610
Provision for loan losses | (952) |  | 1,209 |  | 1,068 |  | (113) |  | (197) |  | 188 |  | (53) |  | 1,150
Loans charged-off | (801) |  | (566) |  | 0 |  | 0 |  | (478) |  | (210) |  | 0 |  | (2,055)
Recoveries | 461 |  | 336 |  | 19 |  | 0 |  | 107 |  | 90 |  | 0 |  | 1,013
Net loans charged-off/(recovered) | (340) |  | (230) |  | 19 |  | 0 |  | (371) |  | (120) |  | 0 |  | (1,042)
Ending balance | $20,272 |  | $13,452 |  | $3,532 |  | $461 |  | $2,827 |  | $387 |  | $2,787 |  | $43,718
The following tables present balance in the allowance for loan losses and the recorded investment in loans by portfolio segment and based on impairment method as of December 31, 2018 and 2017:
|  |  | Commercial |  |  |  |  |  |  |  |  |  |  |  |
|  |  | Real Estate |  |  |  |  |  |  |  |  |  |  |  |
| Commercial |  | and |  | Agri-business |  |  |  | Consumer |  |  |  |  |  |
| and |  | Multi-family |  | and |  | Other |  | 1-4 Family |  | Other |  |  |  |
(dollars in thousands) | Industrial |  | Residential |  | Agricultural |  | Commercial |  | Mortgage |  | Consumer |  | Unallocated |  | Total
December 31, 2018 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Allowance for loan losses: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Ending allowance balance attributable to loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |
Individually evaluated for impairment | $8,552 |  | $921 |  | $73 |  | $0 |  | $457 |  | $26 |  | $0 |  | $10,029
Collectively evaluated for impairment | 13,966 |  | 14,472 |  | 4,232 |  | 368 |  | 1,835 |  | 257 |  | 3,294 |  | 38,424
Total ending allowance balance | $22,518 |  | $15,393 |  | $4,305 |  | $368 |  | $2,292 |  | $283 |  | $3,294 |  | $48,453
Loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Loans individually evaluated for impairment | $19,734 |  | $4,266 |  | $433 |  | $0 |  | $2,240 |  | $44 |  | $0 |  | $26,717
Loans collectively evaluated for impairment | 1,385,604 |  | 1,562,899 |  | 370,174 |  | 95,520 |  | 388,053 |  | 85,778 |  | 0 |  | 3,888,028
Total ending loans balance | $1,405,338 |  | $1,567,165 |  | $370,607 |  | $95,520 |  | $390,293 |  | $85,822 |  | $0 |  | $3,914,745
|  |  | Commercial |  |  |  |  |  |  |  |  |  |  |  |
|  |  | Real Estate |  |  |  |  |  |  |  |  |  |  |  |
| Commercial |  | and |  | Agri-business |  |  |  | Consumer |  |  |  |  |  |
| and |  | Multi-family |  | and |  | Other |  | 1-4 Family |  | Other |  |  |  |
(dollars in thousands) | Industrial |  | Residential |  | Agricultural |  | Commercial |  | Mortgage |  | Consumer |  | Unallocated |  | Total
December 31, 2017 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Allowance for loan losses: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Ending allowance balance attributable to loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |
Individually evaluated for impairment | $2,067 |  | $795 |  | $0 |  | $0 |  | $310 |  | $44 |  | $0 |  | $3,216
Collectively evaluated for impairment | 19,030 |  | 13,919 |  | 4,920 |  | 577 |  | 2,458 |  | 335 |  | 2,666 |  | 43,905
Total ending allowance balance | $21,097 |  | $14,714 |  | $4,920 |  | $577 |  | $2,768 |  | $379 |  | $2,666 |  | $47,121
Loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Loans individually evaluated for impairment | $6,979 |  | $4,802 |  | $283 |  | $0 |  | $1,756 |  | $50 |  | $0 |  | $13,870
Loans collectively evaluated for impairment | 1,411,648 |  | 1,438,219 |  | 382,643 |  | 123,922 |  | 374,013 |  | 74,144 |  | 0 |  | 3,804,589
Total ending loans balance | $1,418,627 |  | $1,443,021 |  | $382,926 |  | $123,922 |  | $375,769 |  | $74,194 |  | $0 |  | $3,818,459
Loans individually evaluated for impairment | The following table presents loans individually evaluated for impairment by class of loans as of December 31, 2018:
| Unpaid |  |  |  | Allowance for
| Principal |  | Recorded |  | Loan Losses
(dollars in thousands) | Balance |  | Investment |  | Allocated
With no related allowance recorded: |  |  |  |  |
Commercial and industrial loans: |  |  |  |  |
Non-working capital loans | $3,284 |  | $1,889 |  | $0
Commercial real estate and multi-family residential loans: |  |  |  |  |
Owner occupied loans | 1,773 |  | 1,527 |  | 0
Agri-business and agricultural loans: |  |  |  |  |
Loans secured by farmland | 603 |  | 283 |  | 0
Consumer 1-4 family loans: |  |  |  |  |
Closed end first mortgage loans | 583 |  | 502 |  | 0
Open end and junior lien loans | 220 |  | 220 |  | 0
With an allowance recorded: |  |  |  |  |
Commercial and industrial loans: |  |  |  |  |
Working capital lines of credit loans | 9,691 |  | 6,694 |  | 2,602
Non-working capital loans | 11,099 |  | 11,151 |  | 5,950
Commercial real estate and multi-family residential loans: |  |  |  |  |
Construction and land development loans | 291 |  | 291 |  | 142
Owner occupied loans | 2,938 |  | 2,448 |  | 779
Agri-business and agricultural loans: |  |  |  |  |
Loans secured by farmland | 150 |  | 150 |  | 73
Consumer 1-4 family mortgage loans: |  |  |  |  |
Closed end first mortgage loans | 1,517 |  | 1,518 |  | 457
Other consumer loans | 45 |  | 44 |  | 26
Total | $32,194 |  | $26,717 |  | $10,029
The following table presents loans individually evaluated for impairment by class of loans as of December 31, 2017:
| Unpaid |  |  |  | Allowance for
| Principal |  | Recorded |  | Loan Losses
(dollars in thousands) | Balance |  | Investment |  | Allocated
With no related allowance recorded: |  |  |  |  |
Commercial and industrial loans: |  |  |  |  |
Working capital lines of credit loans | $491 |  | $491 |  | $0
Non-working capital loans | 2,973 |  | 1,579 |  | 0
Commercial real estate and multi-family residential loans: |  |  |  |  |
Construction and land development loans | 88 |  | 88 |  | 0
Owner occupied loans | 2,558 |  | 2,310 |  | 0
Agri-business and agricultural loans: |  |  |  |  |
Loans secured by farmland | 603 |  | 283 |  | 0
Consumer 1-4 family loans: |  |  |  |  |
Closed end first mortgage loans | 636 |  | 570 |  | 0
With an allowance recorded: |  |  |  |  |
Commercial and industrial loans: |  |  |  |  |
Working capital lines of credit loans | 1,617 |  | 1,617 |  | 667
Non-working capital loans | 3,292 |  | 3,292 |  | 1,400
Commercial real estate and multi-family residential loans: |  |  |  |  |
Construction and land development loans | 827 |  | 827 |  | 350
Owner occupied loans | 1,577 |  | 1,577 |  | 445
Consumer 1-4 family mortgage loans: |  |  |  |  |
Closed end first mortgage loans | 950 |  | 950 |  | 269
Open end and junior lien loans | 235 |  | 236 |  | 41
Other consumer loans | 50 |  | 50 |  | 44
Total | $15,897 |  | $13,870 |  | $3,216
The following table presents loans individually evaluated for impairment by class of loans for the year ended December 31, 2018:
|  |  |  |  | Cash Basis
| Average |  | Interest |  | Interest
| Recorded |  | Income |  | Income
(dollars in thousands) | Investment |  | Recognized |  | Recognized
With no related allowance recorded: |  |  |  |  |
Commercial and industrial loans: |  |  |  |  |
Working capital lines of credit loans | $785 |  | $26 |  | $23
Non-working capital loans | 1,862 |  | 74 |  | 68
Commercial real estate and multi-family residential loans: |  |  |  |  |
Construction and land development loans | 58 |  | 5 |  | 4
Owner occupied loans | 2,291 |  | 36 |  | 37
Agri-business and agricultural loans: |  |  |  |  |
Loans secured by farmland | 283 |  | 0 |  | 0
Consumer 1-4 family loans: |  |  |  |  |
Closed end first mortgage loans | 521 |  | 13 |  | 12
Open end and junior lien loans | 205 |  | 0 |  | 0
With an allowance recorded: |  |  |  |  |
Commercial and industrial loans: |  |  |  |  |
Working capital lines of credit loans | 3,307 |  | 74 |  | 12
Non-working capital loans | 5,328 |  | 138 |  | 81
Commercial real estate and multi-family residential loans: |  |  |  |  |
Construction and land development loans | 453 |  | 26 |  | 29
Owner occupied loans | 1,631 |  | 9 |  | 1
Agri-business and agricultural loans: |  |  |  |  |
Loans secured by farmland | 12 |  | 1 |  | 0
Consumer 1-4 family mortgage loans: |  |  |  |  |
Closed end first mortgage loans | 1,214 |  | 37 |  | 36
Open end and junior lien loans | 38 |  | 0 |  | 0
Other consumer loans | 47 |  | 3 |  | 3
Total | $18,035 |  | $442 |  | $306
The following table presents loans individually evaluated for impairment by class of loans for the year ended December 31, 2017:
|  |  |  |  | Cash Basis
| Average |  | Interest |  | Interest
| Recorded |  | Income |  | Income
(dollars in thousands) | Investment |  | Recognized |  | Recognized
With no related allowance recorded: |  |  |  |  |
Commercial and industrial loans: |  |  |  |  |
Working capital lines of credit loans | $407 |  | $46 |  | $39
Non-working capital loans | 1,341 |  | 57 |  | 51
Commercial real estate and multi-family residential loans: |  |  |  |  |
Construction and land development loans | 110 |  | 5 |  | 5
Owner occupied loans | 2,349 |  | 17 |  | 15
Nonowner occupied loans | 3,009 |  | 294 |  | 284
Agri-business and agricultural loans: |  |  |  |  |
Loans secured by farmland | 287 |  | 0 |  | 0
Consumer 1-4 family loans: |  |  |  |  |
Closed end first mortgage loans | 293 |  | 9 |  | 8
Open end and junior lien loans | 103 |  | 0 |  | 0
With an allowance recorded: |  |  |  |  |
Commercial and industrial loans: |  |  |  |  |
Working capital lines of credit loans | 2,083 |  | 17 |  | 17
Non-working capital loans | 5,715 |  | 103 |  | 103
Commercial real estate and multi-family residential loans: |  |  |  |  |
Construction and land development loans | 69 |  | 5 |  | 0
Owner occupied loans | 1,664 |  | 3 |  | 2
Agri-business and agricultural loans: |  |  |  |  |
Loans secured by farmland | 2 |  | 0 |  | 0
Consumer 1-4 family mortgage loans: |  |  |  |  |
Closed end first mortgage loans | 1,006 |  | 25 |  | 22
Open end and junior lien loans | 80 |  | 0 |  | 0
Other consumer loans | 52 |  | 3 |  | 3
Total | $18,570 |  | $584 |  | $549
The following table presents loans individually evaluated for impairment by class of loans for the year ended December 31, 2016:
|  |  |  |  | Cash Basis
| Average |  | Interest |  | Interest
| Recorded |  | Income |  | Income
(dollars in thousands) | Investment |  | Recognized |  | Recognized
With no related allowance recorded: |  |  |  |  |
Commercial and industrial loans: |  |  |  |  |
Working capital lines of credit loans | $331 |  | $15 |  | $14
Non-working capital loans | 996 |  | 16 |  | 13
Commercial real estate and multi-family residential loans: |  |  |  |  |
Construction and land development loans | 114 |  | 10 |  | 10
Owner occupied loans | 2,555 |  | 3 |  | 3
Nonowner occupied loans | 4,732 |  | 292 |  | 286
Multifamily loans | 8 |  | 0 |  | 0
Agri-business and agricultural loans: |  |  |  |  |
Loans secured by farmland | 393 |  | 0 |  | 0
Loans for ag production | 677 |  | 5 |  | 4
Other commercial loans | 1 |  | 0 |  | 0
Consumer 1-4 family loans: |  |  |  |  |
Closed end first mortgage loans | 91 |  | 2 |  | 2
Open end and junior lien loans | 58 |  | 0 |  | 0
With an allowance recorded: |  |  |  |  |
Commercial and industrial loans: |  |  |  |  |
Working capital lines of credit loans | 1,199 |  | 33 |  | 30
Non-working capital loans | 4,685 |  | 151 |  | 151
Commercial real estate and multi-family residential loans: |  |  |  |  |
Construction and land development loans | 186 |  | 0 |  | 0
Owner occupied loans | 1,143 |  | 3 |  | 3
Nonowner occupied loans | 19 |  | 0 |  | 0
Multifamily loans | 256 |  | 12 |  | 11
Agri-business and agricultural loans: |  |  |  |  |
Other commercial loans | 8 |  | 0 |  | 1
Consumer 1-4 family mortgage loans: |  |  |  |  |
Closed end first mortgage loans | 1,392 |  | 36 |  | 34
Open end and junior lien loans | 166 |  | 0 |  | 0
Other consumer loans | 57 |  | 4 |  | 4
Total | $19,067 |  | $582 |  | $566
Aging of the Recorded Investment in Past Due Loans | The following table presents the aging of the recorded investment in past due loans as of December 31, 2018 by class of loans:
|  |  |  |  | Greater than |  |  |  |  |  |
|  |  | 30-89 |  | 90 Days Past |  |  |  | Total Past |  |
| Loans Not |  | Days |  | Due and Still |  |  |  | Due and |  |
(dollars in thousands) | Past Due |  | Past Due |  | Accruing |  | Nonaccrual |  | Nonaccrual |  | Total
Commercial and industrial loans: |  |  |  |  |  |  |  |  |  |  |
Working capital lines of credit loans | $684,191 |  | $4,328 |  | $0 |  | $2,245 |  | $6,573 |  | $690,764
Non-working capital loans | 709,629 |  | 3,368 |  | 0 |  | 1,577 |  | 4,945 |  | 714,574
Commercial real estate and multi-family |  |  |  |  |  |  |  |  |  |  |
residential loans: |  |  |  |  |  |  |  |  |  |  |
Construction and land development loans | 265,544 |  | 0 |  | 0 |  | 0 |  | 0 |  | 265,544
Owner occupied loans | 583,214 |  | 486 |  | 0 |  | 2,269 |  | 2,755 |  | 585,969
Nonowner occupied loans | 520,431 |  | 57 |  | 0 |  | 0 |  | 57 |  | 520,488
Multi-family loans | 195,164 |  | 0 |  | 0 |  | 0 |  | 0 |  | 195,164
Agri-business and agricultural loans: |  |  |  |  |  |  |  |  |  |  |
Loans secured by farmland | 177,080 |  | 150 |  | 0 |  | 283 |  | 433 |  | 177,513
Loans for agricultural production | 193,094 |  | 0 |  | 0 |  | 0 |  | 0 |  | 193,094
Other commercial loans | 95,520 |  | 0 |  | 0 |  | 0 |  | 0 |  | 95,520
Consumer 1-4 family mortgage loans: |  |  |  |  |  |  |  |  |  |  |
Closed end first mortgage loans | 183,420 |  | 1,370 |  | 0 |  | 671 |  | 2,041 |  | 185,461
Open end and junior lien loans | 188,320 |  | 98 |  | 0 |  | 220 |  | 318 |  | 188,638
Residential construction loans | 16,194 |  | 0 |  | 0 |  | 0 |  | 0 |  | 16,194
Other consumer loans | 85,654 |  | 168 |  | 0 |  | 0 |  | 168 |  | 85,822
Total | $3,897,455 |  | $10,025 |  | $0 |  | $7,265 |  | $17,290 |  | $3,914,745
The following table presents the aging of the recorded investment in past due loans as of December 31, 2017 by class of loans:
|  |  |  |  | Greater than |  |  |  |  |  |
|  |  | 30-89 |  | 90 Days Past |  |  |  | Total Past |  |
| Loans Not |  | Days |  | Due and Still |  |  |  | Due and |  |
(dollars in thousands) | Past Due |  | Past Due |  | Accruing |  | Nonaccrual |  | Nonaccrual |  | Total
Commercial and industrial loans: |  |  |  |  |  |  |  |  |  |  |
Working capital lines of credit loans | $742,205 |  | $11 |  | $0 |  | $1,459 |  | $1,470 |  | $743,675
Non-working capital loans | 671,490 |  | 0 |  | 0 |  | 3,462 |  | 3,462 |  | 674,952
Commercial real estate and multi-family |  |  |  |  |  |  |  |  |  |  |
residential loans: |  |  |  |  |  |  |  |  |  |  |
Construction and land development loans | 215,713 |  | 8,000 |  | 0 |  | 0 |  | 8,000 |  | 223,713
Owner occupied loans | 534,648 |  | 0 |  | 0 |  | 3,620 |  | 3,620 |  | 538,268
Nonowner occupied loans | 507,696 |  | 0 |  | 0 |  | 0 |  | 0 |  | 507,696
Multi-family loans | 173,100 |  | 244 |  | 0 |  | 0 |  | 244 |  | 173,344
Agri-business and agricultural loans: |  |  |  |  |  |  |  |  |  |  |
Loans secured by farmland | 186,160 |  | 0 |  | 0 |  | 283 |  | 283 |  | 186,443
Loans for agricultural production | 196,483 |  | 0 |  | 0 |  | 0 |  | 0 |  | 196,483
Other commercial loans | 123,922 |  | 0 |  | 0 |  | 0 |  | 0 |  | 123,922
Consumer 1-4 family mortgage loans: |  |  |  |  |  |  |  |  |  |  |
Closed end first mortgage loans | 177,410 |  | 1,183 |  | 6 |  | 342 |  | 1,531 |  | 178,941
Open end and junior lien loans | 183,056 |  | 89 |  | 0 |  | 236 |  | 325 |  | 183,381
Residential construction loans | 13,447 |  | 0 |  | 0 |  | 0 |  | 0 |  | 13,447
Other consumer loans | 74,102 |  | 92 |  | 0 |  | 0 |  | 92 |  | 74,194
Total | $3,799,432 |  | $9,619 |  | $6 |  | $9,402 |  | $19,027 |  | $3,818,459
Troubled Debt Restructuring | The Company is not committed to lend additional funds to debtors whose loans have been modified in a troubled debt restructuring.
(dollars in thousands) | 2018 |  | 2017
Accruing troubled debt restructured loans | $8,016 |  | $2,893
Nonaccrual troubled debt restructured loans | 4,384 |  | 7,750
Total troubled debt restructured loans | $12,400 |  | $10,643
Loans by Class Modified as Troubled Debt Restructurings | The following table presents loans by class modified as new troubled debt restructurings that occurred during the year ending December 31, 2018:
|  |  | Modified Repayment Terms
|  |  | Pre-Modification |  | Post-Modification |  |  |  | Extension
|  |  | Outstanding |  | Outstanding |  |  |  | Period or
| Number of |  | Recorded |  | Recorded |  | Number of |  | Range
(dollars in thousands) | Loans |  | Investment |  | Investment |  | Loans |  | (in months)
Troubled Debt Restructurings |  |  |  |  |  |  |  |  |
Commercial and industrial loans: |  |  |  |  |  |  |  |  |
Working capital lines of credit loans | 1 |  | $600 |  | $600 |  | 1 |  | 0
Non-working capital loans | 7 |  | 4,628 |  | 4,628 |  | 7 |  | 0-6
Commercial real estate and multi- |  |  |  |  |  |  |  |  |
family residential loans: |  |  |  |  |  |  |  |  |
Construction and land |  |  |  |  |  |  |  |  |
development loans | 1 |  | 824 |  | 824 |  | 1 |  | 12
Owner occupied loans | 2 |  | 933 |  | 933 |  | 2 |  | 12
Consumer 1-4 family loans: |  |  |  |  |  |  |  |  |
Closed end first mortgage loans | 1 |  | 198 |  | 197 |  | 1 |  | 239
Total | 12 |  | $7,183 |  | $7,182 |  | 12 |  | 0-239
The following table presents loans by class modified as new troubled debt restructurings that occurred during the year ending December 31, 2017:
|  |  | Pre-Modification |  | Post-Modification |  |  |  | Extension
|  |  | Outstanding |  | Outstanding |  |  |  | Period or
| Number of |  | Recorded |  | Recorded |  | Number of |  | Range
(dollars in thousands) | Loans |  | Investment |  | Investment |  | Loans |  | (in months)
Troubled Debt Restructurings |  |  |  |  |  |  |  |  |
Commercial and industrial loans: |  |  |  |  |  |  |  |  |
Working capital lines of credit loans | 1 |  | $1,324 |  | $1,324 |  | 1 |  | 9
Non-working capital loans | 4 |  | 1,922 |  | 1,922 |  | 4 |  | 0-6
Commercial real estate and multi- |  |  |  |  |  |  |  |  |
family residential loans: |  |  |  |  |  |  |  |  |
Owner occupied loans | 1 |  | 486 |  | 486 |  | 1 |  | 6
Consumer 1-4 family loans: |  |  |  |  |  |  |  |  |
Closed end first mortgage loans | 2 |  | 120 |  | 122 |  | 2 |  | 198-350
Total | 8 |  | $3,852 |  | $3,854 |  | 8 |  | 0-350
The following table presents loans by class modified as new troubled debt restructurings that occurred during the year ending December 31, 2016:
|  |  | Pre-Modification |  | Post-Modification |  |  |  | Extension
|  |  | Outstanding |  | Outstanding |  |  |  | Period or
| Number of |  | Recorded |  | Recorded |  | Number of |  | Range
(dollars in thousands) | Loans |  | Investment |  | Investment |  | Loans |  | (in months)
Troubled Debt Restructurings |  |  |  |  |  |  |  |  |
Commercial and industrial loans: |  |  |  |  |  |  |  |  |
Non-working capital loans | 6 |  | $1,841 |  | $1,902 |  | 5 |  | 9-356
Commercial real estate and multi- |  |  |  |  |  |  |  |  |
family residential loans: |  |  |  |  |  |  |  |  |
Owner occupied loans | 3 |  | 718 |  | 717 |  | 3 |  | 13-24
Total | 9 |  | $2,559 |  | $2,619 |  | 8 |  | 9-356
Credit Quality Indicators | As of December 31, 2018, and based on the most recent analysis performed, the risk category of loans by class of loans is as follows:
|  |  | Special |  |  |  |  |  | Not |  |
(dollars in thousands) | Pass |  | Mention |  | Substandard |  | Doubtful |  | Rated |  | Total
Commercial and industrial loans: |  |  |  |  |  |  |  |  |  |  |
Working capital lines of credit loans | $618,612 |  | $43,240 |  | $28,563 |  | $0 |  | $349 |  | $690,764
Non-working capital loans | 664,787 |  | 15,992 |  | 27,548 |  | 0 |  | 6,247 |  | 714,574
Commercial real estate and multi- |  |  |  |  |  |  |  |  |  |  |
family residential loans: |  |  |  |  |  |  |  |  |  |  |
Construction and land |  |  |  |  |  |  |  |  |  |  |
development loans | 264,900 |  | 353 |  | 291 |  | 0 |  | 0 |  | 265,544
Owner occupied loans | 541,734 |  | 21,864 |  | 22,371 |  | 0 |  | 0 |  | 585,969
Nonowner occupied loans | 517,356 |  | 2,491 |  | 641 |  | 0 |  | 0 |  | 520,488
Multi-family loans | 194,948 |  | 216 |  | 0 |  | 0 |  | 0 |  | 195,164
Agri-business and agricultural loans: |  |  |  |  |  |  |  |  |  |  |
Loans secured by farmland | 166,623 |  | 9,107 |  | 1,783 |  | 0 |  | 0 |  | 177,513
Loans for agricultural production | 183,189 |  | 8,155 |  | 1,750 |  | 0 |  | 0 |  | 193,094
Other commercial loans | 95,516 |  | 0 |  | 0 |  | 0 |  | 4 |  | 95,520
Consumer 1-4 family mortgage loans: |  |  |  |  |  |  |  |  |  |  |
Closed end first mortgage loans | 54,879 |  | 0 |  | 2,021 |  | 0 |  | 128,561 |  | 185,461
Open end and junior lien loans | 8,810 |  | 0 |  | 220 |  | 0 |  | 179,608 |  | 188,638
Residential construction loans | 0 |  | 0 |  | 0 |  | 0 |  | 16,194 |  | 16,194
Other consumer loans | 12,700 |  | 0 |  | 44 |  | 0 |  | 73,078 |  | 85,822
Total | $3,324,054 |  | $101,418 |  | $85,232 |  | $0 |  | $404,041 |  | $3,914,745
As of December 31, 2017, and based on the most recent analysis performed, the risk category of loans by class of loans is as follows:
|  |  | Special |  |  |  |  |  | Not |  |
(dollars in thousands) | Pass |  | Mention |  | Substandard |  | Doubtful |  | Rated |  | Total
Commercial and industrial loans: |  |  |  |  |  |  |  |  |  |  |
Working capital lines of credit loans | $688,748 |  | $33,337 |  | $21,350 |  | $0 |  | $240 |  | $743,675
Non-working capital loans | 624,275 |  | 20,171 |  | 25,834 |  | 0 |  | 4,672 |  | 674,952
Commercial real estate and multi- |  |  |  |  |  |  |  |  |  |  |
family residential loans: |  |  |  |  |  |  |  |  |  |  |
Construction and land |  |  |  |  |  |  |  |  |  |  |
development loans | 222,445 |  | 441 |  | 827 |  | 0 |  | 0 |  | 223,713
Owner occupied loans | 496,231 |  | 19,361 |  | 22,676 |  | 0 |  | 0 |  | 538,268
Nonowner occupied loans | 505,033 |  | 1,970 |  | 693 |  | 0 |  | 0 |  | 507,696
Multi-family loans | 173,100 |  | 244 |  | 0 |  | 0 |  | 0 |  | 173,344
Agri-business and agricultural loans: |  |  |  |  |  |  |  |  |  |  |
Loans secured by farmland | 174,118 |  | 7,988 |  | 4,337 |  | 0 |  | 0 |  | 186,443
Loans for agricultural production | 185,772 |  | 9,716 |  | 995 |  | 0 |  | 0 |  | 196,483
Other commercial loans | 123,917 |  | 0 |  | 0 |  | 0 |  | 5 |  | 123,922
Consumer 1-4 family mortgage loans: |  |  |  |  |  |  |  |  |  |
Closed end first mortgage loans | 52,301 |  | 0 |  | 1,520 |  | 0 |  | 125,120 |  | 178,941
Open end and junior lien loans | 8,259 |  | 0 |  | 236 |  | 0 |  | 174,886 |  | 183,381
Residential construction loans | 0 |  | 0 |  | 0 |  | 0 |  | 13,447 |  | 13,447
Other consumer loans | 18,642 |  | 0 |  | 50 |  | 0 |  | 55,502 |  | 74,194
Total | $3,272,841 |  | $93,228 |  | $78,518 |  | $0 |  | $373,872 |  | $3,818,459

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