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ALLOWANCE FOR LOAN LOSSES AND CREDIT QUALITY (Tables) | 3 Months Ended
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Mar. 31, 2019
Receivables [Abstract] |
In Allowance For Loan Losses and Recorded Investment In Loans By Portfolio Segment | The following tables present the activity in the allowance for loan losses by portfolio segment for the three-month periods ended March 31, 2019 and 2018:
|  |  |  |  | Commercial |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
|  |  |  |  | Real Estate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
|  | Commercial |  |  | and |  |  | Agri-business |  |  |  |  |  | Consumer |  |  |  |  |  |  |  |  |  |
|  | and |  |  | Multifamily |  |  | and |  |  | Other |  |  | 1-4 Family |  |  | Other |  |  |  |  |  |  |
(dollars in thousands) |  | Industrial |  |  | Residential |  |  | Agricultural |  |  | Commercial |  |  | Mortgage |  |  | Consumer |  |  | Unallocated |  |  | Total |
Three Months Ended March 31, 2019 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Beginning balance, January 1 |  | $ | 22,518 |  |  | $ | 15,393 |  |  | $ | 4,305 |  |  | $ | 368 |  |  | $ | 2,292 |  |  | $ | 283 |  |  | $ | 3,294 |  |  | $ | 48,453 |
Provision for loan losses |  |  | 1,493 |  |  |  | 18 |  |  |  | (161 | ) |  |  | 5 |  |  |  | 45 |  |  |  | 85 |  |  |  | (285 | ) |  |  | 1,200 |
Loans charged-off |  |  | (83 | ) |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | (82 | ) |  |  | (119 | ) |  |  | 0 |  |  |  | (284 | )
Recoveries |  |  | 102 |  |  |  | 36 |  |  |  | 2 |  |  |  | 0 |  |  |  | 11 |  |  |  | 42 |  |  |  | 0 |  |  |  | 193 |
Net loans charged-off |  |  | 19 |  |  |  | 36 |  |  |  | 2 |  |  |  | 0 |  |  |  | (71 | ) |  |  | (77 | ) |  |  | 0 |  |  |  | (91 | )
Ending balance |  | $ | 24,030 |  |  | $ | 15,447 |  |  | $ | 4,146 |  |  | $ | 373 |  |  | $ | 2,266 |  |  | $ | 291 |  |  | $ | 3,009 |  |  | $ | 49,562 |
|  |  |  |  | Commercial |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
|  |  |  |  | Real Estate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
|  | Commercial |  |  | and |  |  | Agri-business |  |  |  |  |  | Consumer |  |  |  |  |  |  |  |  |  |
|  | and |  |  | Multifamily |  |  | and |  |  | Other |  |  | 1-4 Family |  |  | Other |  |  |  |  |  |  |
(dollars in thousands) |  | Industrial |  |  | Residential |  |  | Agricultural |  |  | Commercial |  |  | Mortgage |  |  | Consumer |  |  | Unallocated |  |  | Total |
Three Months Ended March 31, 2018 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Beginning balance, January 1 |  | $ | 21,097 |  |  | $ | 14,714 |  |  | $ | 4,920 |  |  | $ | 577 |  |  | $ | 2,768 |  |  | $ | 379 |  |  | $ | 2,666 |  |  | $ | 47,121 |
Provision for loan losses |  |  | 3,902 |  |  |  | 207 |  |  |  | (76 | ) |  |  | (67 | ) |  |  | (794 | ) |  |  | (49 | ) |  |  | 177 |  |  |  | 3,300 |
Loans charged-off |  |  | (4,360 | ) |  |  | (491 | ) |  |  | 0 |  |  |  | 0 |  |  |  | (7 | ) |  |  | (119 | ) |  |  | 0 |  |  |  | (4,977 | )
Recoveries |  |  | 86 |  |  |  | 8 |  |  |  | 4 |  |  |  | 0 |  |  |  | 51 |  |  |  | 34 |  |  |  | 0 |  |  |  | 183 |
Net loans charged-off |  |  | (4,274 | ) |  |  | (483 | ) |  |  | 4 |  |  |  | 0 |  |  |  | 44 |  |  |  | (85 | ) |  |  | 0 |  |  |  | (4,794 | )
Ending balance |  | $ | 20,725 |  |  | $ | 14,438 |  |  | $ | 4,848 |  |  | $ | 510 |  |  | $ | 2,018 |  |  | $ | 245 |  |  | $ | 2,843 |  |  | $ | 45,627 |
The following tables present the balance in the allowance for loan losses and the recorded investment in loans by portfolio segment and based on impairment method as of March 31, 2019 and December 31, 2018:
|  |  |  |  | Commercial |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
|  |  |  |  | Real Estate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
|  | Commercial |  |  | and |  |  | Agri-business |  |  |  |  |  | Consumer |  |  |  |  |  |  |  |  |  |
|  | and |  |  | Multifamily |  |  | and |  |  | Other |  |  | 1-4 Family |  |  | Other |  |  |  |  |  |  |
(dollars in thousands) |  | Industrial |  |  | Residential |  |  | Agricultural |  |  | Commercial |  |  | Mortgage |  |  | Consumer |  |  | Unallocated |  |  | Total |
March 31, 2019 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Allowance for loan losses: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Ending allowance balance attributable to loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Individually evaluated for impairment |  | $ | 8,860 |  |  | $ | 398 |  |  | $ | 81 |  |  | $ | 0 |  |  | $ | 467 |  |  | $ | 28 |  |  | $ | 0 |  |  | $ | 9,834 |
Collectively evaluated for impairment |  |  | 15,170 |  |  |  | 15,049 |  |  |  | 4,065 |  |  |  | 373 |  |  |  | 1,799 |  |  |  | 263 |  |  |  | 3,009 |  |  |  | 39,728 |
Total ending allowance balance |  | $ | 24,030 |  |  | $ | 15,447 |  |  | $ | 4,146 |  |  | $ | 373 |  |  | $ | 2,266 |  |  | $ | 291 |  |  | $ | 3,009 |  |  | $ | 49,562 |
Loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Loans individually evaluated for impairment |  | $ | 18,611 |  |  | $ | 3,441 |  |  | $ | 430 |  |  | $ | 0 |  |  | $ | 2,022 |  |  | $ | 43 |  |  | $ | 0 |  |  | $ | 24,547 |
Loans collectively evaluated for impairment |  |  | 1,408,737 |  |  |  | 1,623,594 |  |  |  | 301,976 |  |  |  | 111,875 |  |  |  | 383,913 |  |  |  | 84,368 |  |  |  | 0 |  |  |  | 3,914,463 |
Total ending loans balance |  | $ | 1,427,348 |  |  | $ | 1,627,035 |  |  | $ | 302,406 |  |  | $ | 111,875 |  |  | $ | 385,935 |  |  | $ | 84,411 |  |  | $ | 0 |  |  | $ | 3,939,010 |
|  |  |  |  | Commercial |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
|  |  |  |  | Real Estate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
|  | Commercial |  |  | and |  |  | Agri-business |  |  |  |  |  | Consumer |  |  |  |  |  |  |  |  |  |
|  | and |  |  | Multifamily |  |  | 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 |
Loans individually evaluated for impairment | The following table presents loans individually evaluated for impairment by class of loans as of March 31, 2019:
|  | 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 |  | $ | 2,904 |  |  | $ | 212 |  |  | $ | 0 |
Non-working capital loans |  |  | 2,345 |  |  |  | 950 |  |  |  | 0 |
Commercial real estate and multi-family residential loans: |  |  |  |  |  |  |  |  |  |  |  |
Owner occupied loans |  |  | 2,272 |  |  |  | 1,667 |  |  |  | 0 |
Agri-business and agricultural loans: |  |  |  |  |  |  |  |  |  |  |  |
Loans secured by farmland |  |  | 603 |  |  |  | 283 |  |  |  | 0 |
Consumer 1-4 family loans: |  |  |  |  |  |  |  |  |  |  |  |
Closed end first mortgage loans |  |  | 224 |  |  |  | 143 |  |  |  | 0 |
Open end and junior lien loans |  |  | 98 |  |  |  | 98 |  |  |  | 0 |
With an allowance recorded: |  |  |  |  |  |  |  |  |  |  |  |
Commercial and industrial loans: |  |  |  |  |  |  |  |  |  |  |  |
Working capital lines of credit loans |  |  | 6,698 |  |  |  | 6,390 |  |  |  | 2,874 |
Non-working capital loans |  |  | 11,016 |  |  |  | 11,059 |  |  |  | 5,986 |
Commercial real estate and multi-family residential loans: |  |  |  |  |  |  |  |  |  |  |  |
Owner occupied loans |  |  | 1,774 |  |  |  | 1,774 |  |  |  | 398 |
Agri-business and agricultural loans: |  |  |  |  |  |  |  |  |  |  |  |
Loans secured by farmland |  |  | 147 |  |  |  | 147 |  |  |  | 81 |
Consumer 1-4 family mortgage loans: |  |  |  |  |  |  |  |  |  |  |  |
Closed end first mortgage loans |  |  | 1,779 |  |  |  | 1,781 |  |  |  | 467 |
Other consumer loans |  |  | 43 |  |  |  | 43 |  |  |  | 28 |
Total |  | $ | 29,903 |  |  | $ | 24,547 |  |  | $ | 9,834 |
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 and for the three-month period ended March 31, 2019:
|  |  |  |  |  |  |  | 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 |  | $ | 155 |  |  | $ | 1 |  |  | $ | 0 |
Non-working capital loans |  |  | 1,549 |  |  |  | 29 |  |  |  | 24 |
Commercial real estate and multi-family residential loans: |  |  |  |  |  |  |  |  |  |  |  |
Owner occupied loans |  |  | 1,621 |  |  |  | 11 |  |  |  | 8 |
Agri-business and agricultural loans: |  |  |  |  |  |  |  |  |  |  |  |
Loans secured by farmland |  |  | 283 |  |  |  | 0 |  |  |  | 0 |
Consumer 1-4 family loans: |  |  |  |  |  |  |  |  |  |  |  |
Closed end first mortgage loans |  |  | 380 |  |  |  | 1 |  |  |  | 1 |
Open end and junior lien loans |  |  | 193 |  |  |  | 0 |  |  |  | 0 |
With an allowance recorded: |  |  |  |  |  |  |  |  |  |  |  |
Commercial and industrial loans: |  |  |  |  |  |  |  |  |  |  |  |
Working capital lines of credit loans |  |  | 6,487 |  |  |  | 72 |  |  |  | 59 |
Non-working capital loans |  |  | 11,416 |  |  |  | 132 |  |  |  | 128 |
Commercial real estate and multi-family residential loans: |  |  |  |  |  |  |  |  |  |  |  |
Owner occupied loans |  |  | 2,080 |  |  |  | 13 |  |  |  | 12 |
Agri-business and agricultural loans: |  |  |  |  |  |  |  |  |  |  |  |
Loans secured by farmland |  |  | 147 |  |  |  | 2 |  |  |  | 1 |
Consumer 1-4 family mortgage loans: |  |  |  |  |  |  |  |  |  |  |  |
Closed end first mortgage loans |  |  | 1,598 |  |  |  | 12 |  |  |  | 12 |
Other consumer loans |  |  | 43 |  |  |  | 1 |  |  |  | 1 |
Total |  | $ | 25,952 |  |  | $ | 274 |  |  | $ | 246 |
The following table presents loans individually evaluated for impairment by class of loans as of and for the three-month period ended March 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 |  | $ | 1,011 |  |  | $ | 7 |  |  | $ | 2 |
Non-working capital loans |  |  | 1,728 |  |  |  | 15 |  |  |  | 5 |
Commercial real estate and multi-family residential loans: |  |  |  |  |  |  |  |  |  |  |  |
Construction and land development loans |  |  | 102 |  |  |  | 1 |  |  |  | 0 |
Owner occupied loans |  |  | 2,557 |  |  |  | 7 |  |  |  | 2 |
Agri-business and agricultural loans: |  |  |  |  |  |  |  |  |  |  |  |
Loans secured by farmland |  |  | 283 |  |  |  | 0 |  |  |  | 0 |
Consumer 1-4 family loans: |  |  |  |  |  |  |  |  |  |  |  |
Closed end first mortgage loans |  |  | 543 |  |  |  | 2 |  |  |  | 1 |
Open end and junior lien loans |  |  | 92 |  |  |  | 0 |  |  |  | 0 |
With an allowance recorded: |  |  |  |  |  |  |  |  |  |  |  |
Commercial and industrial loans: |  |  |  |  |  |  |  |  |  |  |  |
Working capital lines of credit loans |  |  | 1,608 |  |  |  | 2 |  |  |  | 1 |
Non-working capital loans |  |  | 3,216 |  |  |  | 2 |  |  |  | 0 |
Commercial real estate and multi-family residential loans: |  |  |  |  |  |  |  |  |  |  |  |
Construction and land development loans |  |  | 721 |  |  |  | 11 |  |  |  | 5 |
Owner occupied loans |  |  | 1,194 |  |  |  | 0 |  |  |  | 0 |
Consumer 1-4 family mortgage loans: |  |  |  |  |  |  |  |  |  |  |  |
Closed end first mortgage loans |  |  | 968 |  |  |  | 7 |  |  |  | 4 |
Open end and junior lien loans |  |  | 154 |  |  |  | 0 |  |  |  | 0 |
Other consumer loans |  |  | 49 |  |  |  | 1 |  |  |  | 0 |
Total |  | $ | 14,226 |  |  | $ | 55 |  |  | $ | 20 |
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 March 31, 2019 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 |  | $ | 720,597 |  |  | $ | 4,308 |  |  | $ | 0 |  |  | $ | 2,118 |  |  | $ | 6,426 |  |  | $ | 727,023 |
Non-working capital loans |  |  | 695,711 |  |  |  | 3,354 |  |  |  | 0 |  |  |  | 1,260 |  |  |  | 4,614 |  |  |  | 700,325 |
Commercial real estate and multi-family |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
residential loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Construction and land development loans |  |  | 292,627 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 292,627 |
Owner occupied loans |  |  | 554,668 |  |  |  | 47 |  |  |  | 481 |  |  |  | 1,749 |  |  |  | 2,277 |  |  |  | 556,945 |
Nonowner occupied loans |  |  | 536,900 |  |  |  | 142 |  |  |  | 0 |  |  |  | 0 |  |  |  | 142 |  |  |  | 537,042 |
Multifamily loans |  |  | 240,421 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 240,421 |
Agri-business and agricultural loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Loans secured by farmland |  |  | 139,230 |  |  |  | 147 |  |  |  | 0 |  |  |  | 283 |  |  |  | 430 |  |  |  | 139,660 |
Loans for agricultural production |  |  | 162,746 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 162,746 |
Other commercial loans |  |  | 111,875 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 111,875 |
Consumer 1-4 family mortgage loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Closed end first mortgage loans |  |  | 186,373 |  |  |  | 1,466 |  |  |  | 0 |  |  |  | 588 |  |  |  | 2,054 |  |  |  | 188,427 |
Open end and junior lien loans |  |  | 184,217 |  |  |  | 87 |  |  |  | 0 |  |  |  | 98 |  |  |  | 185 |  |  |  | 184,402 |
Residential construction loans |  |  | 13,106 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 13,106 |
Other consumer loans |  |  | 84,265 |  |  |  | 146 |  |  |  | 0 |  |  |  | 0 |  |  |  | 146 |  |  |  | 84,411 |
Total |  | $ | 3,922,736 |  |  | $ | 9,697 |  |  | $ | 481 |  |  | $ | 6,096 |  |  | $ | 16,274 |  |  | $ | 3,939,010 |
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 |
Troubled Debt Restructuring | The Company is not committed to lend additional funds to debtors whose loans have been modified in a troubled debt restructuring.
|  | March 31 |  |  | December 31 |
(dollars in thousands) |  | 2019 |  |  | 2018 |
Accruing troubled debt restructured loans |  | $ | 6,196 |  |  | $ | 8,016 |
Nonaccrual troubled debt restructured loans |  |  | 3,812 |  |  |  | 4,384 |
Total troubled debt restructured loans |  | $ | 10,008 |  |  | $ | 12,400 |
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 three months ended March 31, 2019:
|  |  |  |  | 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 |  |  |  | 35 |  |  |  | 35 |  |  |  | 1 |  |  |  | 0 |
Total |  |  | 1 |  |  | $ | 35 |  |  | $ | 35 |  |  |  | 1 |  |  |  | 0 |
The following table presents loans by class modified as new troubled debt restructurings that occurred during the three months ended March 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 |  |  | 1 |  |  |  | 1,400 |  |  |  | 1,400 |  |  |  | 1 |  |  |  | 0 |
Commercial real estate and multi- |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
family residential loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Construction and land |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
development loans |  |  | 1 |  |  |  | 824 |  |  |  | 824 |  |  |  | 1 |  |  |  | 12 |
Owner occupied loans |  |  | 1 |  |  |  | 387 |  |  |  | 387 |  |  |  | 1 |  |  |  | 12 |
Consumer 1-4 family loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Closed end first mortgage loans |  |  | 1 |  |  |  | 198 |  |  |  | 197 |  |  |  | 1 |  |  |  | 239 |
Total |  |  | 5 |  |  | $ | 3,409 |  |  | $ | 3,408 |  |  |  | 5 |  |  |  | 0 - 239 |
Credit Quality Indicators | As of March 31, 2019, 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 |  | $ | 638,075 |  |  | $ | 59,140 |  |  | $ | 29,489 |  |  | $ | 0 |  |  | $ | 319 |  |  | $ | 727,023 |
Non-working capital loans |  |  | 651,748 |  |  |  | 17,072 |  |  |  | 25,632 |  |  |  | 0 |  |  |  | 5,873 |  |  |  | 700,325 |
Commercial real estate and multi- |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
family residential loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Construction and land development loans |  |  | 292,275 |  |  |  | 352 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 292,627 |
Owner occupied loans |  |  | 509,539 |  |  |  | 25,024 |  |  |  | 22,382 |  |  |  | 0 |  |  |  | 0 |  |  |  | 556,945 |
Nonowner occupied loans |  |  | 533,975 |  |  |  | 2,439 |  |  |  | 628 |  |  |  | 0 |  |  |  | 0 |  |  |  | 537,042 |
Multifamily loans |  |  | 240,211 |  |  |  | 210 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 240,421 |
Agri-business and agricultural loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Loans secured by farmland |  |  | 128,492 |  |  |  | 9,388 |  |  |  | 1,780 |  |  |  | 0 |  |  |  | 0 |  |  |  | 139,660 |
Loans for agricultural production |  |  | 153,470 |  |  |  | 7,476 |  |  |  | 1,800 |  |  |  | 0 |  |  |  | 0 |  |  |  | 162,746 |
Other commercial loans |  |  | 111,871 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 4 |  |  |  | 111,875 |
Consumer 1-4 family mortgage loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Closed end first mortgage loans |  |  | 56,681 |  |  |  | 0 |  |  |  | 1,924 |  |  |  | 0 |  |  |  | 129,822 |  |  |  | 188,427 |
Open end and junior lien loans |  |  | 8,613 |  |  |  | 0 |  |  |  | 98 |  |  |  | 0 |  |  |  | 175,691 |  |  |  | 184,402 |
Residential construction loans |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 13,106 |  |  |  | 13,106 |
Other consumer loans |  |  | 12,868 |  |  |  | 0 |  |  |  | 43 |  |  |  | 0 |  |  |  | 71,500 |  |  |  | 84,411 |
Total |  | $ | 3,337,818 |  |  | $ | 121,101 |  |  | $ | 83,776 |  |  | $ | 0 |  |  | $ | 396,315 |  |  | $ | 3,939,010 |
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 |
Multifamily 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 |

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