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ALLOWANCE FOR LOAN LOSSES AND CREDIT QUALITY (Tables) | 12 Months Ended
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Dec. 31, 2020
ALLOWANCE FOR LOAN LOSSES AND CREDIT QUALITY |
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, 2020, 2019 and 2018. PPP loans are fully guaranteed by the United States Small Business Administration and have not been allocated for within the allowance for loan losses. ​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | ​ | ​ | ​ | 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, 2020 |  | ​ |  |  | ​ |  |  | ​ |  |  | ​ |  |  | ​ |  |  | ​ |  |  | ​ |  |  | ​ |
Beginning balance | ​ | $ | 25,789 | ​ | $ | 15,796 | ​ | $ | 3,869 | ​ | $ | 447 | ​ | $ | 2,086 | ​ | $ | 345 | ​ | $ | 2,320 | ​ | $ | 50,652
Provision for loan losses | ​ |  | 6,640 | ​ | ​ | 6,868 | ​ | ​ | (826) | ​ | ​ | (31) | ​ | ​ | 341 | ​ | ​ | 959 | ​ | ​ | 819 | ​ | ​ | 14,770
Loans charged-off | ​ |  | (4,524) | ​ | ​ | (72) | ​ | ​ | — | ​ | ​ | — | ​ | ​ | (141) | ​ | ​ | (516) | ​ | ​ | — | ​ | ​ | (5,253)
Recoveries | ​ |  | 428 | ​ | ​ | 315 | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 333 | ​ | ​ | 163 | ​ | ​ | — | ​ | ​ | 1,239
Net loans (charged-off) recovered | ​ |  | (4,096) | ​ | ​ | 243 | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 192 | ​ | ​ | (353) | ​ | ​ | — | ​ | ​ | (4,014)
Ending balance | ​ | $ | 28,333 | ​ | $ | 22,907 | ​ | $ | 3,043 | ​ | $ | 416 | ​ | $ | 2,619 | ​ | $ | 951 | ​ | $ | 3,139 | ​ | $ | 61,408
​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | ​ | ​ | ​ | 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, 2019 | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Beginning balance | ​ | $ | 22,518 | ​ | $ | 15,393 | ​ | $ | 4,305 | ​ | $ | 368 | ​ | $ | 2,292 | ​ | $ | 283 | ​ | $ | 3,294 | ​ | $ | 48,453
Provision for loan losses | ​ |  | 4,259 | ​ | ​ | 259 | ​ | ​ | (444) | ​ | ​ | 79 | ​ | ​ | (219) | ​ | ​ | 275 | ​ | ​ | (974) | ​ | ​ | 3,235
Loans charged-off | ​ |  | (1,447) | ​ | ​ | (17) | ​ | ​ | — | ​ | ​ | — | ​ | ​ | (110) | ​ | ​ | (336) | ​ | ​ | — | ​ | ​ | (1,910)
Recoveries | ​ |  | 459 | ​ | ​ | 161 | ​ | ​ | 8 | ​ | ​ | — | ​ | ​ | 123 | ​ | ​ | 123 | ​ | ​ | — | ​ | ​ | 874
Net loans (charged-off) recovered | ​ |  | (988) | ​ | ​ | 144 | ​ | ​ | 8 | ​ | ​ | — | ​ | ​ | 13 | ​ | ​ | (213) | ​ | ​ | — | ​ | ​ | (1,036)
Ending balance | ​ | $ | 25,789 | ​ | $ | 15,796 | ​ | $ | 3,869 | ​ | $ | 447 | ​ | $ | 2,086 | ​ | $ | 345 | ​ | $ | 2,320 | ​ | $ | 50,652
​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | ​ | ​ | ​ | 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) | ​ |  | — | ​ |  | — | ​ |  | (48) | ​ |  | (357) | ​ |  | — | ​ |  | (6,111)
Recoveries | ​ |  | 752 | ​ |  | 30 | ​ |  | 42 | ​ |  | — | ​ |  | 108 | ​ |  | 111 | ​ |  | — | ​ |  | 1,043
Net loans (charged-off) recovered | ​ |  | (4,463) | ​ |  | (461) | ​ |  | 42 | ​ |  | — | ​ |  | 60 | ​ |  | (246) | ​ |  | — | ​ |  | (5,068)
Ending balance | ​ | $ | 22,518 | ​ | $ | 15,393 | ​ | $ | 4,305 | ​ | $ | 368 | ​ | $ | 2,292 | ​ | $ | 283 | ​ | $ | 3,294 | ​ | $ | 48,453
​ 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, 2020 and 2019: ​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | ​ | ​ | ​ | 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, 2020 | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Allowance for loan losses: | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Ending allowance balance attributable to loans: | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Individually evaluated for impairment | ​ | $ | 6,310 | ​ | $ | 1,377 | ​ | $ | 84 | ​ | $ | — | ​ | $ | 270 | ​ | $ | — | ​ | $ | — | ​ | $ | 8,041
Collectively evaluated for impairment | ​ |  | 22,023 | ​ | ​ | 21,530 | ​ | ​ | 2,959 | ​ | ​ | 416 | ​ | ​ | 2,349 | ​ | ​ | 951 | ​ | ​ | 3,139 | ​ | ​ | 53,367
Total ending allowance balance | ​ | $ | 28,333 | ​ | $ | 22,907 | ​ | $ | 3,043 | ​ | $ | 416 | ​ | $ | 2,619 | ​ | $ | 951 | ​ | $ | 3,139 | ​ | $ | 61,408
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Loans: | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Loans individually evaluated for impairment | ​ | $ | 12,533 | ​ | $ | 5,518 | ​ | $ | 428 | ​ | $ | — | ​ | $ | 1,700 | ​ | $ | — | ​ | $ | — | ​ | $ | 20,179
Loans collectively evaluated for impairment | ​ |  | 1,772,393 | ​ | ​ | 1,887,054 | ​ | ​ | 429,234 | ​ | ​ | 93,912 | ​ | ​ | 342,999 | ​ | ​ | 103,385 | ​ | ​ | — | ​ | ​ | 4,628,977
Total ending loans balance | ​ | $ | 1,784,926 | ​ | $ | 1,892,572 | ​ | $ | 429,662 | ​ | $ | 93,912 | ​ | $ | 344,699 | ​ | $ | 103,385 | ​ | $ | — | ​ | $ | 4,649,156
​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | ​ | ​ | ​ | 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, 2019 | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Allowance for loan losses: | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Ending allowance balance attributable to loans: | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Individually evaluated for impairment | ​ | $ | 9,324 | ​ | $ | 538 | ​ | $ | 90 | ​ | $ | — | ​ | $ | 426 | ​ | $ | 6 | ​ | $ | — | ​ | $ | 10,384
Collectively evaluated for impairment | ​ |  | 16,465 | ​ | ​ | 15,258 | ​ | ​ | 3,779 | ​ | ​ | 447 | ​ | ​ | 1,660 | ​ | ​ | 339 | ​ | ​ | 2,320 | ​ | ​ | 40,268
Total ending allowance balance | ​ | $ | 25,789 | ​ | $ | 15,796 | ​ | $ | 3,869 | ​ | $ | 447 | ​ | $ | 2,086 | ​ | $ | 345 | ​ | $ | 2,320 | ​ | $ | 50,652
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Loans: | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Loans individually evaluated for impairment | ​ | $ | 19,580 | ​ | $ | 4,998 | ​ | $ | 445 | ​ | $ | — | ​ | $ | 2,789 | ​ | $ | 17 | ​ | $ | — | ​ | $ | 27,829
Loans collectively evaluated for impairment | ​ |  | 1,407,246 | ​ | ​ | 1,665,842 | ​ | ​ | 379,186 | ​ | ​ | 112,166 | ​ | ​ | 375,210 | ​ | ​ | 98,349 | ​ | ​ | — | ​ | ​ | 4,037,999
Total ending loans balance | ​ | $ | 1,426,826 | ​ | $ | 1,670,840 | ​ | $ | 379,631 | ​ | $ | 112,166 | ​ | $ | 377,999 | ​ | $ | 98,366 | ​ | $ | — | ​ | $ | 4,065,828
​
Loans individually evaluated for impairment | The following table presents loans individually evaluated for impairment by class of loans as of December 31, 2020: ​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ |  | 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 | ​ | $ | 346 | ​ | $ | 173 | ​ | $ | 0
Non-working capital loans | ​ | ​ | 2,399 | ​ | ​ | 968 | ​ | ​ | 0
Commercial real estate and multi-family residential loans: | ​ |  | ​ | ​ | ​ | ​ | ​ | ​ | ​
Owner occupied loans | ​ |  | 3,002 | ​ | ​ | 2,930 | ​ | ​ | 0
Agri-business and agricultural loans: | ​ |  | ​ | ​ | ​ | ​ | ​ | ​ | ​
Loans secured by farmland | ​ |  | 603 | ​ | ​ | 283 | ​ | ​ | 0
Consumer 1‑4 family loans: | ​ |  |  | ​ |  | ​ | ​ |  |
Closed end first mortgage loans | ​ |  | 316 | ​ | ​ | 236 | ​ | ​ | 0
Open end and junior lien loans | ​ |  | 5 | ​ | ​ | 5 | ​ | ​ | 0
With an allowance recorded: | ​ |  | ​ | ​ | ​ | ​ | ​ | ​ | ​
Commercial and industrial loans: | ​ |  | ​ | ​ | ​ | ​ | ​ | ​ | ​
Working capital lines of credit loans | ​ |  | 433 | ​ | ​ | 433 | ​ | ​ | 255
Non-working capital loans | ​ |  | 11,644 | ​ | ​ | 10,959 | ​ | ​ | 6,055
Commercial real estate and multi-family residential loans: | ​ |  | ​ | ​ | ​ | ​ | ​ | ​ | ​
Owner occupied loans | ​ |  | 2,589 | ​ | ​ | 2,588 | ​ | ​ | 1,377
Agri-business and agricultural loans: | ​ |  | ​ | ​ | ​ | ​ | ​ | ​ | ​
Loans secured by farmland | ​ |  | 145 | ​ | ​ | 145 | ​ | ​ | 84
Consumer 1‑4 family mortgage loans: | ​ |  | ​ | ​ | ​ | ​ | ​ | ​ | ​
Closed end first mortgage loans | ​ |  | 1,457 | ​ | ​ | 1,459 | ​ | ​ | 270
Total | ​ | $ | 22,939 | ​ | $ | 20,179 | ​ | $ | 8,041
​ The following table presents loans individually evaluated for impairment by class of loans as of December 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 | ​ | $ | 22 | ​ | $ | 22 | ​ | $ | —
Non-working capital loans | ​ | ​ | 2,130 | ​ | ​ | 735 | ​ | ​ | —
Commercial real estate and multi-family residential loans: | ​ |  | ​ | ​ | ​ | ​ | ​ | ​ | ​
Owner occupied loans | ​ |  | 3,189 | ​ | ​ | 3,010 | ​ | ​ | —
Agri-business and agricultural loans: | ​ |  | ​ | ​ | ​ | ​ | ​ | ​ | ​
Loans secured by farmland | ​ |  | 603 | ​ | ​ | 283 | ​ | ​ | —
Loans for ag production | ​ | ​ | 15 | ​ | ​ | 15 | ​ | ​ | —
Consumer 1‑4 family loans: | ​ |  | ​ | ​ | ​ | ​ | ​ | ​ | ​
Closed end first mortgage loans | ​ | ​ | 411 | ​ | ​ | 330 | ​ | ​ | —
Open end and junior lien loans | ​ |  | 121 | ​ | ​ | 121 | ​ | ​ | —
With an allowance recorded: | ​ |  | ​ | ​ | ​ | ​ | ​ | ​ | ​
Commercial and industrial loans: | ​ |  | ​ | ​ | ​ | ​ | ​ | ​ | ​
Working capital lines of credit loans | ​ |  | 6,214 | ​ | ​ | 6,214 | ​ | ​ | 3,089
Non-working capital loans | ​ |  | 13,230 | ​ | ​ | 12,609 | ​ | ​ | 6,235
Commercial real estate and multi-family residential loans: | ​ |  | ​ | ​ | ​ | ​ | ​ | ​ | ​
Owner occupied loans | ​ |  | 1,988 | ​ | ​ | 1,988 | ​ | ​ | 538
Agri-business and agricultural loans: | ​ |  | ​ | ​ | ​ | ​ | ​ | ​ | ​
Loans secured by farmland | ​ | ​ | 147 | ​ | ​ | 147 | ​ | ​ | 90
Consumer 1‑4 family mortgage loans: | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Closed end first mortgage loans | ​ |  | 1,643 | ​ | ​ | 1,646 | ​ | ​ | 363
Open end and junior lien loans | ​ | ​ | 641 | ​ | ​ | 640 | ​ | ​ | 53
Residential construction loans | ​ | ​ | 51 | ​ | ​ | 52 | ​ | ​ | 10
Other consumer loans | ​ |  | 17 | ​ | ​ | 17 | ​ | ​ | 6
Total | ​ | $ | 30,422 | ​ | $ | 27,829 | ​ | $ | 10,384
​ The following table presents loans individually evaluated for impairment by class of loans for the year ended December 31, 2020: ​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ |  | ​ | ​ |  |  | ​ |  | 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 | ​ | $ | 375 | ​ | $ | — | ​ | $ | —
Non-working capital loans | ​ |  | 816 | ​ |  | 21 | ​ |  | 21
Commercial real estate and multi-family residential loans: | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Owner occupied loans | ​ |  | 2,156 | ​ |  | 13 | ​ |  | 12
Agri-business and agricultural loans: | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Loans secured by farmland | ​ |  | 283 | ​ |  | — | ​ |  | —
Consumer 1-4 family loans: | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Closed end first mortgage loans | ​ |  | 291 | ​ |  | 3 | ​ |  | 2
Open end and junior lien loans | ​ |  | 49 | ​ |  | — | ​ |  | —
With an allowance recorded: | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Commercial and industrial loans: | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Working capital lines of credit loans | ​ |  | 2,433 | ​ |  | — | ​ |  | —
Non-working capital loans | ​ |  | 11,579 | ​ |  | 287 | ​ |  | 287
Commercial real estate and multi-family residential loans: | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Owner occupied loans | ​ |  | 3,156 | ​ |  | 30 | ​ |  | 30
Agri-business and agricultural loans: | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Loans secured by farmland | ​ |  | 147 | ​ |  | — | ​ |  | —
Consumer 1-4 family mortgage loans: | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Closed end first mortgage loans | ​ |  | 1,557 | ​ |  | 36 | ​ |  | 33
Open end and junior lien loans | ​ |  | 481 | ​ |  | — | ​ |  | —
Residential construction loans | ​ | ​ | 35 | ​ | ​ | — | ​ | ​ | —
Total | ​ | $ | 23,362 | ​ | $ | 390 | ​ | $ | 385
​ The following table presents loans individually evaluated for impairment by class of loans for the year ended December 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 | ​ | $ | 176 | ​ | $ | 9 | ​ | $ | 9
Non-working capital loans | ​ |  | 1,170 | ​ |  | 40 | ​ |  | 30
Commercial real estate and multi-family residential loans: | ​ |  | ​ | ​ | ​ | ​ | ​ | ​ | ​
Owner occupied loans | ​ |  | 2,354 | ​ |  | 34 | ​ |  | 34
Agri-business and agricultural loans: | ​ |  | ​ | ​ | ​ | ​ | ​ | ​ | ​
Loans secured by farmland | ​ |  | 283 | ​ |  | — | ​ |  | —
Loans for ag production | ​ | ​ | 4 | ​ | ​ | — | ​ | ​ | —
Consumer 1-4 family loans: | ​ |  | ​ | ​ | ​ | ​ | ​ | ​ | ​
Closed end first mortgage loans | ​ |  | 272 | ​ |  | 3 | ​ |  | 3
Open end and junior lien loans | ​ |  | 133 | ​ |  | — | ​ |  | —
With an allowance recorded: | ​ |  | ​ | ​ | ​ | ​ | ​ | ​ | ​
Commercial and industrial loans: | ​ |  | ​ | ​ | ​ | ​ | ​ | ​ | ​
Working capital lines of credit loans | ​ |  | 6,335 | ​ |  | 143 | ​ |  | 81
Non-working capital loans | ​ |  | 11,800 | ​ |  | 448 | ​ |  | 410
Commercial real estate and multi-family residential loans: | ​ |  | ​ | ​ | ​ | ​ | ​ | ​ | ​
Construction and land development loans | ​ |  | ​ | ​ |  | ​ | ​ |  | ​
Owner occupied loans | ​ |  | 1,849 | ​ |  | 43 | ​ |  | 39
Agri-business and agricultural loans: | ​ |  | ​ | ​ | ​ | ​ | ​ | ​ | ​
Loans secured by farmland | ​ |  | 147 | ​ |  | 3 | ​ |  | 1
Consumer 1-4 family mortgage loans: | ​ |  | ​ | ​ | ​ | ​ | ​ | ​ | ​
Closed end first mortgage loans | ​ |  | 1,643 | ​ |  | 45 | ​ |  | 43
Open end and junior lien loans | ​ |  | 268 | ​ |  | — | ​ |  | —
Residential construction loans | ​ | ​ | 9 | ​ | ​ | — | ​ | ​ | —
Other consumer loans | ​ |  | 21 | ​ |  | 2 | ​ |  | 1
Total | ​ | $ | 26,464 | ​ | $ | 770 | ​ | $ | 651
​ 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 | ​ |  | — | ​ |  | —
Consumer 1‑4 family loans: | ​ |  | ​ | ​ |  |  | ​ |  |
Closed end first mortgage loans | ​ |  | 521 | ​ |  | 13 | ​ |  | 12
Open end and junior lien loans | ​ |  | 205 | ​ |  | — | ​ |  | —
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 | ​ | ​ | —
Consumer 1‑4 family mortgage loans: | ​ |  |  | ​ |  |  | ​ |  |
Closed end first mortgage loans | ​ |  | 1,214 | ​ |  | 37 | ​ |  | 36
Open end and junior lien loans | ​ |  | 38 | ​ |  | — | ​ |  | —
Other consumer loans | ​ |  | 47 | ​ |  | 3 | ​ |  | 3
Total | ​ | $ | 18,035 | ​ | $ | 442 | ​ | $ | 306
​
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, 2020 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 | ​ | $ | 625,493 | ​ | $ | — | ​ | $ | — | ​ | $ | 606 | ​ | $ | 606 | ​ | $ | 626,099
Non-working capital loans | ​ |  | 1,153,540 | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 5,287 | ​ | ​ | 5,287 | ​ | ​ | 1,158,827
Commercial real estate and multi-family residential loans: | ​ |  | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Construction and land development loans | ​ |  | 361,664 | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 361,664
Owner occupied loans | ​ |  | 642,527 | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 5,047 | ​ | ​ | 5,047 | ​ | ​ | 647,574
Nonowner occupied loans | ​ |  | 579,050 | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 579,050
Multi-family loans | ​ |  | 304,284 | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 304,284
Agri-business and agricultural loans: | ​ |  | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Loans secured by farmland | ​ |  | 194,935 | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 428 | ​ | ​ | 428 | ​ | ​ | 195,363
Loans for agricultural production | ​ |  | 234,191 | ​ | ​ | 108 | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 108 | ​ | ​ | 234,299
Other commercial loans | ​ |  | 93,912 | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 93,912
Consumer 1‑4 family mortgage loans: | ​ |  | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Closed end first mortgage loans | ​ |  | 165,895 | ​ | ​ | 877 | ​ | ​ | 116 | ​ | ​ | 613 | ​ | ​ | 1,606 | ​ | ​ | 167,501
Open end and junior lien loans | ​ |  | 165,094 | ​ | ​ | 137 | ​ | ​ | — | ​ | ​ | 5 | ​ | ​ | 142 | ​ | ​ | 165,236
Residential construction loans | ​ |  | 11,962 | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 11,962
Other consumer loans | ​ |  | 103,240 | ​ | ​ | 145 | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 145 | ​ | ​ | 103,385
Total | ​ | $ | 4,635,787 | ​ | $ | 1,267 | ​ | $ | 116 | ​ | $ | 11,986 | ​ | $ | 13,369 | ​ | $ | 4,649,156
​ The following table presents the aging of the recorded investment in past due loans as of December 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 | ​ | $ | 703,737 | ​ | $ | 10 | ​ | $ | — | ​ | $ | 6,236 | ​ | $ | 6,246 | ​ | $ | 709,983
Non-working capital loans | ​ |  | 710,557 | ​ | ​ | 4 | ​ | ​ | — | ​ | ​ | 6,282 | ​ | ​ | 6,286 | ​ | ​ | 716,843
Commercial real estate and multi-family residential loans: | ​ |  | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Construction and land development loans | ​ |  | 286,534 | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 286,534
Owner occupied loans | ​ |  | 569,303 | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 4,056 | ​ | ​ | 4,056 | ​ | ​ | 573,359
Nonowner occupied loans | ​ |  | 570,687 | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 570,687
Multi-family loans | ​ |  | 240,260 | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 240,260
Agri-business and agricultural loans: | ​ |  | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Loans secured by farmland | ​ |  | 173,959 | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 430 | ​ | ​ | 430 | ​ | ​ | 174,389
Loans for agricultural production | ​ |  | 205,228 | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 14 | ​ | ​ | 14 | ​ | ​ | 205,242
Other commercial loans | ​ |  | 112,166 | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 112,166
Consumer 1‑4 family mortgage loans: | ​ |  | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Closed end first mortgage loans | ​ |  | 174,902 | ​ | ​ | 1,099 | ​ | ​ | 45 | ​ | ​ | 827 | ​ | ​ | 1,971 | ​ | ​ | 176,873
Open end and junior lien loans | ​ |  | 187,255 | ​ | ​ | 188 | ​ | ​ | — | ​ | ​ | 761 | ​ | ​ | 949 | ​ | ​ | 188,204
Residential construction loans | ​ |  | 12,870 | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 52 | ​ | ​ | 52 | ​ | ​ | 12,922
Other consumer loans | ​ |  | 98,176 | ​ | ​ | 173 | ​ | ​ | — | ​ | ​ | 17 | ​ | ​ | 190 | ​ | ​ | 98,366
Total | ​ | $ | 4,045,634 | ​ | $ | 1,474 | ​ | $ | 45 | ​ | $ | 18,675 | ​ | $ | 20,194 | ​ | $ | 4,065,828
Troubled Debt Restructuring | The Company is not committed to lend additional funds to debtors whose loans have been modified in a troubled debt restructuring. The following table presents loans by class modified as new troubled debt restructurings that occurred during the year ending December 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 | ​ | 1
Total |  | 1 | ​ | $ | 35 | ​ | $ | 35 | ​ | 1 | ​ | 1
​ 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
​
Schedule of Loans Modified as Troubled Debt Restructurings which were Payment Default with in Tweleve Months Following the Modification Terms | ​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ |  | 2020 |  | 2019 |  | 2018
​ |  | Number of |  | Recorded |  | Number of |  | Recorded |  | Number of |  | Recorded
(dollars in thousands) | ​ | Loans | ​ | Investment | ​ | Loans | ​ | Investment | ​ | Loans | ​ | Investment
Troubled Debt Restructurings that Subsequently Defaulted Commercial and industrial loans: | ​ |  |  | ​ |  | ​ |  |  | ​ |  | ​ |  |  | ​ |
Non-working capital loans | ​ | — | ​ | $ | — | ​ | 1 | ​ | $ | 601 | ​ | — | ​ | $ | —
Total | ​ | — | ​ | $ | — | ​ | 1 | ​ | $ | 601 | ​ | — | ​ | $ | —
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, 2020: ​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ |  | ​ |  | ​ | ​ |  | ​ | ​ |  | 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 | ​ | $ | 250 | ​ | $ | 315 | ​ | 1 | ​ | 0
Non-working capital loans |  | 2 | ​ | ​ | 4,288 | ​ | ​ | 3,691 | ​ | 2 | ​ | 0
Commercial real estate and multi-family residential loans: |  | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Owner occupied loans |  | 1 | ​ | ​ | 1,528 | ​ | ​ | 1,527 | ​ | 1 | ​ | 0
Total |  | 4 | ​ | $ | 6,066 | ​ | $ | 5,533 | ​ | 4 | ​ | 0
Credit Quality Indicators | As of December 31, 2020, 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 | ​ | $ | 535,071 | ​ | $ | 81,095 | ​ | $ | 9,718 | ​ | $ | — | ​ | $ | 215 | ​ | $ | 626,099
Non-working capital loans | ​ |  | 1,111,989 | ​ | ​ | 26,523 | ​ | ​ | 14,820 | ​ | ​ | — | ​ | ​ | 5,495 | ​ | ​ | 1,158,827
Commercial real estate and multi-family residential loans: | ​ |  | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Construction and land development loans | ​ |  | 361,664 | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 361,664
Owner occupied loans | ​ |  | 608,845 | ​ | ​ | 31,355 | ​ | ​ | 7,374 | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 647,574
Nonowner occupied loans | ​ |  | 547,790 | ​ | ​ | 31,260 | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 579,050
Multi-family loans | ​ |  | 282,031 | ​ | ​ | 22,253 | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 304,284
Agri-business and agricultural loans: | ​ |  | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Loans secured by farmland | ​ |  | 183,983 | ​ | ​ | 10,728 | ​ | ​ | 652 | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 195,363
Loans for agricultural production | ​ |  | 185,875 | ​ | ​ | 48,424 | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 234,299
Other commercial loans | ​ |  | 93,912 | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 93,912
Consumer 1‑4 family mortgage loans: | ​ |  | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Closed end first mortgage loans | ​ |  | 40,682 | ​ | ​ | — | ​ | ​ | 1,695 | ​ | ​ | — | ​ | ​ | 125,124 | ​ | ​ | 167,501
Open end and junior lien loans | ​ |  | 8,424 | ​ | ​ | — | ​ | ​ | 5 | ​ | ​ | — | ​ | ​ | 156,807 | ​ | ​ | 165,236
Residential construction loans | ​ |  | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 11,962 | ​ | ​ | 11,962
Other consumer loans | ​ |  | 36,979 | ​ | ​ | 253 | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 66,153 | ​ | ​ | 103,385
Total | ​ | $ | 3,997,245 | ​ | $ | 251,891 | ​ | $ | 34,264 | ​ | $ | 0 | ​ | $ | 365,756 | ​ | $ | 4,649,156
​ As of December 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 | ​ | $ | 631,728 | ​ | $ | 40,551 | ​ | $ | 37,278 | ​ | $ | — | ​ | $ | 426 | ​ | $ | 709,983
Non-working capital loans | ​ |  | 673,370 | ​ | ​ | 18,782 | ​ | ​ | 19,381 | ​ | ​ | — | ​ | ​ | 5,310 | ​ | ​ | 716,843
Commercial real estate and multi-family residential loans: | ​ |  | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Construction and land development loans | ​ |  | 286,534 | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 286,534
Owner occupied loans | ​ |  | 535,496 | ​ | ​ | 14,804 | ​ | ​ | 23,059 | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 573,359
Nonowner occupied loans | ​ |  | 569,315 | ​ | ​ | 781 | ​ | ​ | 591 | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 570,687
Multi-family loans | ​ |  | 240,260 | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 240,260
Agri-business and agricultural loans: | ​ |  | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Loans secured by farmland | ​ |  | 165,005 | ​ | ​ | 7,952 | ​ | ​ | 1,432 | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 174,389
Loans for agricultural production | ​ |  | 191,489 | ​ | ​ | 13,738 | ​ | ​ | 15 | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 205,242
Other commercial loans | ​ |  | 112,166 | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 112,166
Consumer 1‑4 family mortgage loans: | ​ |  | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Closed end first mortgage loans | ​ |  | 47,405 | ​ | ​ | — | ​ | ​ | 1,976 | ​ | ​ | — | ​ | ​ | 127,492 | ​ | ​ | 176,873
Open end and junior lien loans | ​ |  | 10,845 | ​ | ​ | — | ​ | ​ | 762 | ​ | ​ | — | ​ | ​ | 176,597 | ​ | ​ | 188,204
Residential construction loans | ​ |  | — | ​ | ​ | — | ​ | ​ | 51 | ​ | ​ | — | ​ | ​ | 12,871 | ​ | ​ | 12,922
Other consumer loans | ​ |  | 27,250 | ​ | ​ | — | ​ | ​ | 17 | ​ | ​ | — | ​ | ​ | 71,099 | ​ | ​ | 98,366
Total | ​ | $ | 3,490,863 | ​ | $ | 96,608 | ​ | $ | 84,562 | ​ | $ | — | ​ | $ | 393,795 | ​ | $ | 4,065,828

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