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Allowance for Credit Losses on Loans | 9 Months Ended
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Sep. 30, 2020
Allowance For Loan And Lease Losses [Abstract] |
Allowance for Credit Losses on Loans | Allowance for Credit Losses on Loans For the periods indicated, the following tables summarize the activity in the allowance for credit losses on loans which is recorded as a contra asset, and the reserve for unfunded commitments which is recorded on the balance sheet within other liabilities:
| Allowance for Loan Losses – Three Months Ended September 30, 2020
(in thousands) | Beginning Balance |  |  |  | Charge-offs |  | Recoveries |  | Provision |  | Ending Balance
Commercial real estate: |  |  |  |  |  |  |  |  |  |  |
CRE non-owner occupied | $ | 26,091 |  |  |  |  | $ | — |  |  | $ | 23 |  |  | $ | 2,733 |  |  | $ | 28,847 |
CRE owner occupied | 8,710 |  |  |  |  | — |  |  | 1 |  |  | 914 |  |  | 9,625 |
Multifamily | 8,581 |  |  |  |  | — |  |  | — |  |  | 1,451 |  |  | 10,032 |
Farmland | 1,468 |  |  |  |  | — |  |  | — |  |  | 322 |  |  | 1,790 |
Total commercial real estate loans | 44,850 |  |  |  |  | — |  |  | 24 |  |  | 5,420 |  |  | 50,294 |
Consumer: |  |  |  |  |  |  |  |  |  |  |
SFR 1-4 1st DT liens | 8,015 |  |  |  |  | (2) |  |  | 2 |  |  | 922 |  |  | 8,937 |
SFR HELOCs and junior liens | 12,108 |  |  |  |  | — |  |  | 126 |  |  | (558) |  |  | 11,676 |
Other | 3,042 |  |  |  |  | (98) |  |  | 85 |  |  | 365 |  |  | 3,394 |
Total consumer loans | 23,165 |  |  |  |  | (100) |  |  | 213 |  |  | 729 |  |  | 24,007 |
Commercial and industrial | 4,018 |  |  |  |  | (94) |  |  | 142 |  |  | 468 |  |  | 4,534 |
Construction | 6,775 |  |  |  |  | — |  |  | — |  |  | 865 |  |  | 7,640 |
Agriculture production | 919 |  |  |  |  | — |  |  | 2 |  |  | 172 |  |  | 1,093 |
Leases | 12 |  |  |  |  | — |  |  | — |  |  | (5) |  |  | 7 |
Allowance for credit losses on loans | 79,739 |  |  |  |  | (194) |  |  | 381 |  |  | 7,649 |  |  | 87,575 |
Reserve for unfunded commitments | 3,000 |  |  |  |  | — |  |  | — |  |  | — |  |  | 3,000 |
Total | $ | 82,739 |  |  |  |  | $ | (194) |  |  | $ | 381 |  |  | $ | 7,649 |  |  | $ | 90,575 |
| Allowance for Loan Losses – Nine months ended September 30, 2020
(in thousands) | Beginning Balance |  | Impact of CECL Adoption |  | Charge-offs |  | Recoveries |  | Provision |  | Ending Balance
Commercial real estate: |  |  |  |  |  |  |  |  |  |  |
CRE non-owner occupied | $ | 5,948 |  |  | $ | 6,701 |  |  | $ | — |  |  | $ | 223 |  |  | $ | 15,975 |  |  | $ | 28,847 |
CRE owner occupied | 2,027 |  |  | 2,281 |  |  | — |  |  | 3 |  |  | 5,314 |  |  | 9,625 |
Multifamily | 3,352 |  |  | 2,281 |  |  | — |  |  | — |  |  | 4,399 |  |  | 10,032 |
Farmland | 668 |  |  | 585 |  |  | — |  |  | — |  |  | 537 |  |  | 1,790 |
Total commercial real estate loans | 11,995 |  |  | 11,848 |  |  | — |  |  | 226 |  |  | 26,225 |  |  | 50,294 |
Consumer: |  |  |  |  |  |  |  |  |  |  |
SFR 1-4 1st DT liens | 2,306 |  |  | 2,675 |  |  | (13) |  |  | 414 |  |  | 3,555 |  |  | 8,937 |
SFR HELOCs and junior liens | 6,183 |  |  | 4,638 |  |  | (23) |  |  | 265 |  |  | 613 |  |  | 11,676 |
Other | 1,595 |  |  | 971 |  |  | (471) |  |  | 253 |  |  | 1,046 |  |  | 3,394 |
Total consumer loans | 10,084 |  |  | 8,284 |  |  | (507) |  |  | 932 |  |  | 5,214 |  |  | 24,007 |
Commercial and industrial | 4,867 |  |  | (1,961) |  |  | (688) |  |  | 323 |  |  | 1,993 |  |  | 4,534 |
Construction | 3,388 |  |  | 933 |  |  | — |  |  | — |  |  | 3,319 |  |  | 7,640 |
Agriculture production | 261 |  |  | (179) |  |  | — |  |  | 22 |  |  | 989 |  |  | 1,093 |
Leases | 21 |  |  | (12) |  |  | — |  |  | — |  |  | (2) |  |  | 7 |
Allowance for credit losses on loans | 30,616 |  |  | 18,913 |  |  | (1,195) |  |  | 1,503 |  |  | 37,738 |  |  | 87,575 |
Reserve for unfunded commitments | 2,775 |  |  | — |  |  | — |  |  | — |  |  | 225 |  |  | 3,000 |
Total | $ | 33,391 |  |  | $ | 18,913 |  |  | $ | (1,195) |  |  | $ | 1,503 |  |  | $ | 37,963 |  |  | $ | 90,575 |
In determining the allowance for credit losses, accruing loans with similar risk characteristics are generally evaluated collectively. To estimate expected losses the Company generally utilizes historical loss trends and the remaining contractual lives of the loan portfolios to determine estimated credit losses through a reasonable and supportable forecast period. Individual loan credit quality indicators including loan grade and borrower repayment performance have been statistically correlated with historical credit losses and various econometrics, including California unemployment, gross domestic product, and corporate bond yields. Model forecasts may be adjusted for inherent limitations or biases that have been identified through independent validation and back-testing of model performance to actual realized results. At both January 1, 2020, the adoption and implementation date of ASC Topic 326, and September 30, 2020, the Company utilized a reasonable and supportable forecast period of approximately eight quarters and obtained the forecast data from publicly available sources. The Company also considered the impact of portfolio concentrations, changes in underwriting practices, imprecision in its economic forecasts, and other risk factors that might influence its loss estimation process. During the quarter ended September 30, 2020 the majority of the increase in ACL reflects potential future credit deterioration. Specifically, portfolio-wide qualitative indicators for changes in California Unemployment and US Policy uncertainty contributed to the majority of the increase in credit reserves on loans as of September 30, 2020 as compared to the trailing quarter, adding approximately $9,556,000 to the required reserves. These increases were partially offset with a reduced need for reserves for concentration risks totaling $1,472,000 and reductions in specific reserves on individually evaluated loans of $321,000. Management noted that the majority of economic forecasts utilized in the ACL calculation have continued to identify an expanded duration of the current recessionary period as caused by the global pandemic and partially offset by the governmental stimulus that has been provided to date. Management believes that the allowance for credit losses at September 30, 2020 appropriately reflected expected credit losses inherent in the loan portfolio at that date.
| Allowance for Loan Losses – Year Ended December 31, 2019
(in thousands) | Beginning Balance |  | Charge-offs |  | Recoveries |  | Provision (benefit) |  | Ending Balance
Commercial real estate: |  |  |  |  |  |  |  |  |
CRE non-owner occupied | $ | 7,401 |  |  | $ | — |  |  | $ | 1,486 |  |  | $ | (2,939) |  |  | $ | 5,948 |
CRE owner occupied | 2,711 |  |  | (746) |  |  | 42 |  |  | 20 |  |  | 2,027 |
Multifamily | 2,429 |  |  | — |  |  | — |  |  | 923 |  |  | 3,352 |
Farmland | 403 |  | — |  |  | — |  |  | 265 |  | 668 |
Total commercial real estate loans | 12,944 |  |  | (746) |  |  | 1,528 |  |  | (1,731) |  |  | 11,995 |
Consumer: |  |  |  |  |  |  |  |  |
SFR 1-4 1st DT liens | 2,676 |  |  | (2) |  |  | 54 |  |  | (422) |  |  | 2,306 |
SFR HELOCs and junior liens | 7,582 |  |  | (3) |  |  | 935 |  |  | (2,331) |  |  | 6,183 |
Other | 793 |  |  | (765) |  |  | 321 |  |  | 1,246 |  |  | 1,595 |
Total consumer loans | 11,051 |  |  | (770) |  |  | 1,310 |  |  | (1,507) |  |  | 10,084 |
Commercial and industrial | 5,610 |  |  | (2,104) |  |  | 513 |  |  | 848 |  |  | 4,867 |
Construction | 2,497 |  |  | — |  |  | — |  |  | 891 |  |  | 3,388 |
Agriculture production | 480 |  |  | (19) |  |  | 12 |  |  | (212) |  |  | 261 |
Leases | — |  |  | — |  |  | — |  |  | 21 |  |  | 21 |
Total | $ | 32,582 |  |  | $ | (3,639) |  |  | $ | 3,363 |  |  | $ | (1,690) |  |  | $ | 30,616 |
| Allowance for Loan Losses – Three Months Ended September 30, 2019
(in thousands) | Beginning Balance |  | Charge-offs |  | Recoveries |  | Provision (benefit) |  | Ending Balance
Commercial real estate: |  |  |  |  |  |  |  |  |
CRE non-owner occupied | $ | 6,182 |  |  | $ | — |  |  | $ | 8 |  |  | $ | 261 |  |  | $ | 6,451 |
CRE owner occupied | 2,214 |  |  | (746) |  |  | 118 |  |  | 93 |  |  | 1,679 |
Multifamily | 3,082 |  |  | — |  |  | — |  |  | 69 |  |  | 3,151 |
Farmland | 621 |  |  | — |  |  | — |  |  | 39 |  |  | 660 |
Total commercial real estate loans | 12,099 |  |  | (746) |  |  | 126 |  |  | 462 |  |  | 11,941 |
Consumer: |  |  |  |  |  |  |  |  |
SFR 1-4 1st DT liens | 2,576 |  |  | — |  |  | 47 |  |  | (217) |  |  | 2,406 |
SFR HELOCs and junior liens | 7,101 |  |  | (3) |  |  | 183 |  |  | (286) |  |  | 6,995 |
Other | 1,451 |  |  | (189) |  |  | 80 |  |  | 213 |  |  | 1,555 |
Total consumer loans | 11,128 |  |  | (192) |  |  | 310 |  |  | (290) |  |  | 10,956 |
Commercial and industrial | 6,481 |  |  | (565) |  |  | 83 |  |  | (528) |  |  | 5,471 |
Construction | 2,896 |  |  | — |  |  | — |  |  | 57 |  |  | 2,953 |
Agriculture production | 264 |  |  | (19) |  |  | 1 |  |  | (30) |  |  | 216 |
Leases | — |  |  | — |  |  | — |  |  | — |  |  | — |
Total | $ | 32,868 |  |  | $ | (1,522) |  |  | $ | 520 |  |  | $ | (329) |  |  | $ | 31,537 |
| Allowance for Loan Losses – Nine months ended September 30, 2019
(in thousands) | Beginning Balance |  | Charge-offs |  | Recoveries |  | Provision (benefit) |  | Ending Balance
Commercial real estate: |  |  |  |  |  |  |  |  |
CRE non-owner occupied | $ | 7,401 |  |  | $ | — |  |  | $ | 1,397 |  |  | $ | (2,347) |  |  | $ | 6,451 |
CRE owner occupied | 2,711 |  |  | (746) |  |  | 121 |  |  | (407) |  |  | 1,679 |
Multifamily | 2,429 |  |  | — |  |  | — |  |  | 722 |  |  | 3,151 |
Farmland | 403 |  |  | — |  |  | — |  |  | 257 |  |  | 660 |
Total commercial real estate loans | 12,944 |  |  | (746) |  |  | 1,518 |  |  | (1,775) |  |  | 11,941 |
Consumer: |  |  |  |  |  |  |  |  |
SFR 1-4 1st DT liens | 2,676 |  |  | (2) |  |  | 53 |  |  | (321) |  |  | 2,406 |
SFR HELOCs and junior liens | 7,582 |  |  | (3) |  |  | 719 |  |  | (1,303) |  |  | 6,995 |
Other | 793 |  |  | (548) |  |  | 263 |  |  | 1,047 |  |  | 1,555 |
Total consumer loans | 11,051 |  |  | (553) |  |  | 1,035 |  |  | (577) |  |  | 10,956 |
Commercial and industrial | 5,610 |  |  | (1,222) |  |  | 325 |  |  | 758 |  |  | 5,471 |
Construction | 2,497 |  |  | — |  |  | — |  |  | 456 |  |  | 2,953 |
Agriculture production | 480 |  |  | (20) |  |  | 10 |  |  | (254) |  |  | 216 |
Leases | — |  |  | — |  |  | — |  |  | — |  |  | — |
Total | $ | 32,582 |  |  | $ | (2,541) |  |  | $ | 2,888 |  |  | $ | (1,392) |  |  | $ | 31,537 |
As part of the on-going monitoring of the credit quality of the Company’s loan portfolio, management tracks certain credit quality indicators including, but not limited to, trends relating to (i) the level of criticized and classified loans, (ii) net charge-offs, (iii) non-performing loans, and (iv) delinquency within the portfolio. The Company analyzes loans individually to classify the loans as to credit risk and grading. This analysis is performed annually for all outstanding balances greater than $1,000,000 and non-homogeneous loans, such as commercial real estate loans, unless other indicators, such as delinquency, trigger more frequent evaluation. Loans below the $1,000,000 threshold and homogenous in nature are evaluated as needed for proper grading based on delinquency and borrower credit scores. The Company utilizes a risk grading system to assign a risk grade to each of its loans. Loans are graded on a scale ranging from Pass to Loss. A description of the general characteristics of the risk grades is as follows: •Pass– This grade represents loans ranging from acceptable to very little or no credit risk. These loans typically meet most if not all policy standards in regard to: loan amount as a percentage of collateral value, debt service coverage, profitability, leverage, and working capital. •Special Mention– This grade represents “Other Assets Especially Mentioned” in accordance with regulatory guidelines and includes loans that display some potential weaknesses which, if left unaddressed, may result in deterioration of the repayment prospects for the asset or may inadequately protect the Company’s position in the future. These loans warrant more than normal supervision and attention. •Substandard– This grade represents “Substandard” loans in accordance with regulatory guidelines. Loans within this rating typically exhibit weaknesses that are well defined to the point that repayment is jeopardized. Loss potential is, however, not necessarily evident. The underlying collateral supporting the credit appears to have sufficient value to protect the Company from loss of principal and accrued interest, or the loan has been written down to the point where this is true. There is a definite need for a well-defined workout/rehabilitation program. •Doubtful– This grade represents “Doubtful” loans in accordance with regulatory guidelines. An asset classified as Doubtful has all the weaknesses inherent in a loan classified Substandard with the added characteristic that the weaknesses make collection or liquidation in full, on the basis of currently existing facts, conditions and values, highly questionable and improbable. Pending factors include proposed merger, acquisition, or liquidation procedures, capital injection, perfecting liens on additional collateral, and financing plans. •Loss– This grade represents “Loss” loans in accordance with regulatory guidelines. A loan classified as Loss is considered uncollectible and of such little value that its continuance as a bankable asset is not warranted. This classification does not mean that the loan has absolutely no recovery or salvage value, but rather that it is not practical or desirable to defer writing off the loan, even though some recovery may be affected in the future. The portion of the loan that is graded loss should be charged off no later than the end of the quarter in which the loss is identified. Based on the most recent analysis performed, the risk category of loans by class of loans is as follows for the period indicated:
| Term Loans Amortized Cost Basis by Origination Year – As of September 30, 2020 |  |  |  |  |  |
(in thousands) | 2020 |  | 2019 |  | 2018 |  | 2017 |  | 2016 |  | Prior |  | Revolving Loans Amortized Cost Basis |  | Revolving Loans Converted to Term |  | Total
Commercial real estate: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
CRE non-owner occupied risk ratings |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | $ | 97,561 |  |  | $ | 249,707 |  |  | $ | 157,838 |  |  | $ | 264,223 |  |  | $ | 196,645 |  |  | $ | 489,900 |  |  | $ | 71,986 |  |  | $ | — |  |  | $ | 1,527,860 |
Special Mention | — |  |  | 7,562 |  |  | 11,981 |  |  | 8,892 |  |  | 11,936 |  |  | 12,641 |  |  | 12,257 |  |  | — |  | 65,269 |
Substandard | — |  |  | — |  |  | 1,473 |  |  | 593 |  |  | 2,147 |  |  | 2,942 |  |  |  |  | — |  | 7,155 |
Doubtful/Loss | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Total CRE non-owner occupied risk ratings | $ | 97,561 |  |  | $ | 257,269 |  |  | $ | 171,292 |  |  | $ | 273,708 |  |  | $ | 210,728 |  |  | $ | 505,483 |  |  | $ | 84,243 |  |  | $ | — |  |  | $ | 1,600,284 |
Commercial real estate: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
CRE owner occupied risk ratings |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | $ | 67,205 |  |  | $ | 63,202 |  |  | $ | 49,719 |  |  | $ | 65,416 |  |  | $ | 55,970 |  |  | $ | 240,327 |  |  | $ | 17,662 |  |  | $ | — |  |  | $ | 559,501 |
Special Mention | — |  |  | — |  |  | — |  |  | 4,090 |  |  | 3,749 |  |  | 5,488 |  |  | — |  |  | — |  |  | 13,327 |
Substandard | — |  |  | 1,538 |  |  | 1,314 |  |  | 479 |  |  | 902 |  |  | 4,029 |  |  | — |  |  | — |  |  | 8,262 |
Doubtful/Loss | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Total CRE owner occupied risk ratings | $ | 67,205 |  |  | $ | 64,740 |  |  | $ | 51,033 |  |  | $ | 69,985 |  |  | $ | 60,621 |  |  | $ | 249,844 |  |  | $ | 17,662 |  |  | $ | — |  |  | $ | 581,090 |
Commercial real estate: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Multifamily risk ratings |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | $ | 58,058 |  |  | $ | 96,373 |  |  | $ | 114,385 |  |  | $ | 72,493 |  |  | $ | 68,891 |  |  | $ | 123,875 |  |  | $ | 23,315 |  |  | $ | — |  |  | $ | 557,390 |
Special Mention | 9,443 |  |  | — |  |  | — |  |  | 608 |  |  | 24,695 |  |  | 779 |  |  | 9,284 |  |  | — |  |  | 44,809 |
Substandard | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Doubtful/Loss | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Total multifamily loans | $ | 67,501 |  |  | $ | 96,373 |  |  | $ | 114,385 |  |  | $ | 73,101 |  |  | $ | 93,586 |  |  | $ | 124,654 |  |  | $ | 32,599 |  |  | $ | — |  |  | $ | 602,199 |
Commercial real estate: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Farmland risk ratings |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | $ | 10,026 |  |  | $ | 23,970 |  |  | $ | 19,127 |  |  | $ | 11,677 |  |  | $ | 8,684 |  |  | $ | 20,133 |  |  | $ | 43,437 |  |  | $ | — |  |  | $ | 137,054 |
Special Mention | — |  |  | 2,566 |  |  | — |  |  | 1,271 |  |  | 227 |  |  | 3,271 |  |  | 2,005 |  |  | — |  |  | 9,340 |
Substandard | — |  |  | 700 |  |  | — |  |  | 608 |  |  | 451 |  |  | 2,606 |  |  | 2,090 |  |  | — |  |  | 6,455 |
Doubtful/Loss | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Total farmland loans | $ | 10,026 |  |  | $ | 27,236 |  |  | $ | 19,127 |  |  | $ | 13,556 |  |  | $ | 9,362 |  |  | $ | 26,010 |  |  | $ | 47,532 |  |  | $ | — |  |  | $ | 152,849 |
Consumer loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
SFR 1-4 1st DT liens risk ratings |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | $ | 103,547 |  |  | $ | 88,421 |  |  | $ | 44,171 |  |  | $ | 60,223 |  |  | $ | 50,397 |  |  | $ | 146,254 |  |  | $ | — |  |  | $ | 5,351 |  |  | $ | 498,364 |
Special Mention | — |  | 291 |  | 687 |  | 553 |  | 16 |  | 1,752 |  | — |  | 1,001 |  | 4,300
Substandard | — |  | — |  | 1,203 |  | 1,224 |  | 944 |  | 4,888 |  | — |  | 836 |  | 9,095
Doubtful/Loss | — |  | — |  | — |  | — |  | — |  | — |  | — |  | — |  | —
Total SFR 1st DT liens | $ | 103,547 |  |  | $ | 88,712 |  |  | $ | 46,061 |  |  | $ | 62,000 |  |  | $ | 51,357 |  |  | $ | 152,894 |  |  | $ | — |  |  | $ | 7,188 |  |  | $ | 511,759 |
| Term Loans Amortized Cost Basis by Origination Year – As of September 30, 2020 |  |  |  |  |  |
(in thousands) | 2020 |  | 2019 |  | 2018 |  | 2017 |  | 2016 |  | Prior |  | Revolving Loans Amortized Cost Basis |  | Revolving Loans Converted to Term |  | Total
Consumer loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
SFR HELOCs and Junior Liens |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | $ | 855 |  |  | $ | — |  |  | $ | 13 |  |  | $ | 373 |  |  | $ | 358 |  |  | $ | 1,618 |  |  | $ | 299,380 |  |  | $ | 15,585 |  |  | $ | 318,182 |
Special Mention | — |  | — |  | 17 |  | — |  | — |  | 35 |  | 5,249 |  | 761 |  | 6,062
Substandard | — |  | 499 |  | — |  | — |  | 124 |  | 45 |  | 6,071 |  | 1,837 |  | 8,576
Doubtful/Loss | — |  | — |  | — |  | — |  | — |  | — |  | — |  | — |  | —
Total SFR HELOCs and Junior Liens | $ | 855 |  |  | $ | 499 |  |  | $ | 30 |  |  | $ | 373 |  |  | $ | 482 |  |  | $ | 1,698 |  |  | $ | 310,700 |  |  | $ | 18,183 |  |  | $ | 332,820 |
Consumer loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Other risk ratings |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | $ | 22,898 |  |  | $ | 33,118 |  |  | $ | 16,379 |  |  | $ | 4,930 |  |  | $ | 1,225 |  |  | $ | 1,252 |  |  | $ | 1,044 |  |  | $ | — |  |  | $ | 80,846 |
Special Mention | 38 |  |  | 320 |  |  | 139 |  |  | 80 |  |  | 39 |  |  | 99 |  |  | 88 |  |  | — |  |  | 803 |
Substandard | — |  |  | 147 |  |  | 254 |  |  | 72 |  |  | 14 |  |  | 111 |  |  | 9 |  |  | — |  |  | 607 |
Doubtful/Loss | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Total other consumer loans | $ | 22,936 |  |  | $ | 33,585 |  |  | $ | 16,772 |  |  | $ | 5,082 |  |  | $ | 1,278 |  |  | $ | 1,462 |  |  | $ | 1,141 |  |  | $ | — |  |  | $ | 82,256 |
Commercial and industrial loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial and industrial risk ratings |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | $ | 449,180 |  |  | $ | 54,413 |  |  | $ | 24,053 |  |  | $ | 16,445 |  |  | $ | 6,112 |  |  | $ | 10,808 |  |  | $ | 66,890 |  |  | $ | 1,062 |  |  | $ | 628,963 |
Special Mention | — |  | — |  | 224 |  | 312 |  | 76 |  | 72 |  | 588 |  | 12 |  | 1,284 |
Substandard | — |  | 134 |  | 57 |  | 1,477 |  | 825 |  | 143 |  | 888 |  | 126 |  | 3,650 |
Doubtful/Loss | — |  | — |  | — |  | — |  | — |  | — |  | — |  | — |  | — |
Total commercial and industrial loans | $ | 449,180 |  |  | $ | 54,547 |  |  | $ | 24,334 |  |  | $ | 18,234 |  |  | $ | 7,013 |  |  | $ | 11,023 |  |  | $ | 68,366 |  |  | $ | 1,200 |  |  | $ | 633,897 |
Construction loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Construction risk ratings |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | $ | 55,041 |  |  | $ | 45,007 |  |  | $ | 103,191 |  |  | $ | 50,972 |  |  | $ | 20,978 |  |  | $ | 2,940 |  |  | $ | — |  |  | $ | — |  |  | $ | 278,129 |
Special Mention | — |  |  | — |  |  | — |  |  | 346 |  |  | — |  |  | 1,803 |  |  | — |  |  | — |  |  | 2,149 |
Substandard | — |  |  | — |  | — |  |  | — |  |  | 4,398 |  |  | 257 |  |  | — |  |  | — |  |  | 4,655 |
Doubtful/Loss | — |  | — |  | — |  | — |  | — |  | — |  | — |  | — |  |  | — |
Total construction loans | $ | 55,041 |  |  | $ | 45,007 |  |  | $ | 103,191 |  |  | $ | 51,318 |  |  | $ | 25,376 |  |  | $ | 5,000 |  |  | $ | — |  |  | $ | — |  |  | $ | 284,933 |
Agriculture production loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Agriculture production risk ratings |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | $ | 82 |  |  | $ | 1,680 |  |  | $ | 1,001 |  |  | $ | 869 |  |  | $ | 754 |  |  | $ | 543 |  |  | $ | 35,410 |  |  | $ | — |  |  | $ | 40,339 |
Special Mention | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Substandard | — |  |  | — |  |  | — |  |  | — |  |  | 18 |  |  | — |  |  | 256 |  |  | — |  |  | 274 |
Doubtful/Loss | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Total agriculture production loans | $ | 82 |  |  | $ | 1,680 |  |  | $ | 1,001 |  |  | $ | 869 |  |  | $ | 772 |  |  | $ | 543 |  |  | $ | 35,666 |  |  | $ | — |  |  | $ | 40,613 |
| Term Loans Amortized Cost Basis by Origination Year – As of September 30, 2020 |  |  |  |  |  |
(in thousands) | 2020 |  | 2019 |  | 2018 |  | 2017 |  | 2016 |  | Prior |  | Revolving Loans Amortized Cost Basis |  | Revolving Loans Converted to Term |  | Total
Leases: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Lease risk ratings |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | $ | 3,638 |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $3,638
Special Mention | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Substandard | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Doubtful/Loss | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  | — |
Total leases | $ | 3,638 |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | 3,638 |
Total loans outstanding: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Risk ratings |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | $ | 868,091 |  |  | $ | 655,891 |  |  | $ | 529,877 |  |  | $ | 547,621 |  |  | $ | 410,014 |  |  | $ | 1,037,650 |  |  | $ | 559,124 |  |  | $ | 21,998 |  |  | $ | 4,630,266 |
Special Mention | 9,481 |  |  | 10,739 |  |  | 13,048 |  |  | 16,152 |  |  | 40,738 |  |  | 25,940 |  |  | 29,471 |  |  | 1,774 |  |  | 147,343
Substandard | — |  |  | 3,018 |  |  | 4,301 |  |  | 4,453 |  |  | 9,823 |  |  | 15,021 |  |  | 9,314 |  |  | 2,799 |  |  | 48,729
Doubtful/Loss | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Total loans outstanding | $ | 877,572 |  |  | $ | 669,648 |  |  | $ | 547,226 |  |  | $ | 568,226 |  |  | $ | 460,575 |  |  | $ | 1,078,611 |  |  | $ | 597,909 |  |  | $ | 26,571 |  |  | $ | 4,826,338 |
The following information related to loan originations by vintage are presented for comparison purposes only.
| Term Loans Amortized Cost Basis by Origination Year – As of December 31, 2019 |  |  |  |  |  |
(in thousands) | 2019 |  | 2018 |  | 2017 |  | 2016 |  | Prior |  | Revolving Loans Amortized Cost Basis |  | Revolving Loans Converted to Term |  | Total
Commercial real estate: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
CRE non-owner occupied risk ratings |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | $ | 253,321 |  |  | $ | 174,869 |  |  | $ | 287,183 |  |  | $ | 221,864 |  |  | $ | 578,255 |  |  | $ | 77,070 |  |  | $ | — |  |  | $ | 1,592,562 |
Special Mention | — |  |  | — |  |  | 3,182 |  |  | 8,401 |  |  | 616 |  |  | — |  |  | — |  |  | 12,199
Substandard | — |  |  | 1,183 |  |  | 474 |  |  | — |  |  | 3,138 |  |  | — |  |  | — |  |  | 4,795
Doubtful/Loss | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | —
Total CRE non-owner occupied risk ratings | $ | 253,321 |  |  | $ | 176,052 |  |  | $ | 290,839 |  |  | $ | 230,265 |  |  | $ | 582,009 |  |  | $ | 77,070 |  |  | $ | — |  |  | $ | 1,609,556 |
Commercial real estate: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
CRE owner occupied risk ratings |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | $ | 57,376 |  |  | $ | 54,298 |  |  | $ | 73,019 |  |  | $ | 69,136 |  |  | $ | 263,750 |  |  | $ | 18,524 |  |  | $ | — |  |  | $ | 536,103 |
Special Mention | — |  |  | — |  |  | 437 |  |  | 745 |  |  | 3,459 |  |  | — |  |  | — |  |  | 4,641 |
Substandard | 601 |  |  | — |  |  | 493 |  |  | 726 |  |  | 3,870 |  |  | — |  |  | — |  |  | 5,690 |
Doubtful/Loss | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Total CRE owner occupied risk ratings | $ | 57,977 |  |  | $ | 54,298 |  |  | $ | 73,949 |  |  | $ | 70,607 |  |  | $ | 271,079 |  |  | $ | 18,524 |  |  | $ | — |  |  | $ | 546,434 |
| Term Loans Amortized Cost Basis by Origination Year – As of December 31, 2019 |  |  |  |  |  |
(in thousands) | 2019 |  | 2018 |  | 2017 |  | 2016 |  | Prior |  | Revolving Loans Amortized Cost Basis |  | Revolving Loans Converted to Term |  | Total
Commercial real estate: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Multifamily risk ratings |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | $ | 82,435 |  |  | $ | 112,739 |  |  | $ | 41,673 |  |  | $ | 99,170 |  |  | $ | 141,040 |  |  | $ | 36,061 |  |  | $ | — |  |  | $ | 513,118 |
Special Mention | — |  |  | — |  |  | — |  |  | — |  |  | 1,103 |  |  | 1,480 |  |  | — |  |  | 2,583 |
Substandard | — |  |  | — |  |  | — |  |  | 2,024 |  |  | — |  |  | — |  |  | — |  |  | 2,024 |
Doubtful/Loss | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Total multifamily loans | $ | 82,435 |  |  | $ | 112,739 |  |  | $ | 41,673 |  |  | $ | 101,194 |  |  | $ | 142,143 |  |  | $ | 37,541 |  |  | $ | — |  |  | $ | 517,725 |
Commercial real estate: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Farmland risk ratings |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | $ | 26,786 |  |  | $ | 21,212 |  |  | $ | 12,248 |  |  | $ | 9,618 |  |  | $ | 22,471 |  |  | $ | 41,783 |  |  | $ | — |  |  | $ | 134,118 |
Special Mention | — |  |  | — |  |  | 1,346 |  |  | 226 |  |  | 3,289 |  |  | 774 |  |  | — |  |  | 5,635 |
Substandard | — |  |  | — |  |  | 624 |  |  | 466 |  |  | 2,929 |  |  | 1,295 |  |  | — |  |  | 5,314 |
Doubtful/Loss | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Total farmland loans | $ | 26,786 |  |  | $ | 21,212 |  |  | $ | 14,218 |  |  | $ | 10,310 |  |  | $ | 28,689 |  |  | $ | 43,852 |  |  | $ | — |  |  | $ | 145,067 |
Consumer loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
SFR 1-4 1st DT liens risk ratings |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | $ | 102,612 |  |  | $ | 63,542 |  |  | $ | 73,195 |  |  | $ | 65,051 |  |  | $ | 187,972 |  |  | $ | — |  |  | $ | 6,242 |  |  | $ | 498,614 |
Special Mention | — |  |  | — |  |  | 1,408 |  |  | 19 |  |  | 2,564 |  |  | — |  |  | 723 |  |  | 4,714 |
Substandard | — |  |  | 813 |  |  | 711 |  |  | 52 |  |  | 4,050 |  |  | — |  |  | 554 |  |  | 6,180 |
Doubtful/Loss | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Total SFR 1st DT liens | $ | 102,612 |  |  | $ | 64,355 |  |  | $ | 75,314 |  |  | $ | 65,122 |  |  | $ | 194,586 |  |  | $ | — |  |  | $ | 7,519 |  |  | $ | 509,508 |
Consumer loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
SFR HELOCs and Junior Liens |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | $ | 1,412 |  |  | $ | 14 |  |  | $ | 382 |  |  | $ | 403 |  |  | $ | 2,077 |  |  | $ | 327,589 |  |  | $ | 19,531 |  |  | $ | 351,408 |
Special Mention | — |  |  | 20 |  |  | — |  |  | — |  |  | 4 |  |  | 4,189 |  |  | 1,169 |  |  | 5,382 |
Substandard | — |  |  | — |  |  | — |  |  | 156 |  |  | 14 |  |  | 4,208 |  |  | 1,718 |  |  | 6,096 |
Doubtful/Loss | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Total SFR HELOCs and Junior Liens | $ | 1,412 |  |  | $ | 34 |  |  | $ | 382 |  |  | $ | 559 |  |  | $ | 2,095 |  |  | $ | 335,986 |  |  | $ | 22,418 |  |  | $ | 362,886 |
Consumer loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Other risk ratings |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | $ | 45,876 |  |  | $ | 23,045 |  |  | $ | 7,176 |  |  | $ | 2,245 |  |  | $ | 2,071 |  |  | $ | 1,402 |  |  | $ | — |  |  | $ | 81,815 |
Special Mention | 56 |  |  | 182 |  |  | 176 |  |  | 52 |  |  | 161 |  |  | 91 |  |  | — |  |  | 718 |
Substandard | 60 |  |  | — |  |  | 13 |  |  | — |  |  | 35 |  |  | 15 |  |  | — |  |  | 123 |
Doubtful/Loss | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Total other consumer loans | $ | 45,992 |  |  | $ | 23,227 |  |  | $ | 7,365 |  |  | $ | 2,297 |  |  | $ | 2,267 |  |  | $ | 1,508 |  |  | $ | — |  |  | $ | 82,656 |
| Term Loans Amortized Cost Basis by Origination Year – As of December 31, 2019 |  |  |  |  |  |
(in thousands) | 2019 |  | 2018 |  | 2017 |  | 2016 |  | Prior |  | Revolving Loans Amortized Cost Basis |  | Revolving Loans Converted to Term |  | Total
Commercial and industrial loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial and industrial risk ratings |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | $ | 61,720 |  |  | $ | 31,149 |  |  | $ | 24,176 |  |  | $ | 10,747 |  |  | $ | 16,346 |  |  | $ | 96,654 |  |  | $ | 973 |  |  | $ | 241,765 |
Special Mention | — |  |  | 339 |  |  | 1,141 |  |  | 151 |  |  | 164 |  |  | 1,921 |  |  | 110 |  |  | 3,826 |
Substandard | — |  |  | 47 |  |  | 1,281 |  |  | 1,571 |  |  | 401 |  |  | 814 |  |  | 86 |  |  | 4,200 |
Doubtful/Loss | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Total commercial and industrial loans | $ | 61,720 |  |  | $ | 31,535 |  |  | $ | 26,598 |  |  | $ | 12,469 |  |  | $ | 16,911 |  |  | $ | 99,389 |  |  | $ | 1,169 |  |  | $ | 249,791 |
Construction loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Construction risk ratings |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | $ | 50,275 |  |  | $ | 92,449 |  |  | $ | 76,042 |  |  | $ | 18,973 |  |  | $ | 7,322 |  |  | $ | — |  |  | $ | — |  |  | $ | 245,061 |
Special Mention | — |  |  | — |  |  | — |  |  | 4,202 |  |  | 317 |  |  | — |  |  | — |  |  | 4,519 |
Substandard | — |  |  | — |  |  | — |  |  | — |  |  | 247 |  |  | — |  |  | — |  |  | 247 |
Doubtful/Loss | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Total construction loans | $ | 50,275 |  |  | $ | 92,449 |  |  | $ | 76,042 |  |  | $ | 23,175 |  |  | $ | 7,886 |  |  | $ | — |  |  | $ | — |  |  | $ | 249,827 |
Agriculture production loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Agriculture production risk ratings |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | $ | 1,929 |  |  | $ | 1,201 |  |  | $ | 1,324 |  |  | $ | 1,012 |  |  | $ | 834 |  |  | $ | 26,306 |  |  | $ | — |  |  | $ | 32,606 |
Special Mention | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Substandard | — |  |  | — |  |  | — |  |  | 27 |  |  | — |  |  | — |  |  | — |  |  | 27 |
Doubtful/Loss | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Total agriculture production loans | $ | 1,929 |  |  | $ | 1,201 |  |  | $ | 1,324 |  |  | $ | 1,039 |  |  | $ | 834 |  |  | $ | 26,306 |  |  | $ | — |  |  | $ | 32,633 |
Leases: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Lease risk ratings |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | $ | 1,283 |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | 1,283 |
Special Mention | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Substandard | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Doubtful/Loss | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Total leases | $ | 1,283 |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | 1,283 |
Total loans outstanding: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Risk ratings |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | $ | 685,025 |  |  | $ | 574,518 |  |  | $ | 596,418 |  |  | $ | 498,219 |  |  | $ | 1,222,138 |  |  | $ | 625,389 |  |  | $ | 26,746 |  |  | $ | 4,228,453 |
Special Mention | 56 |  |  | 541 |  |  | 7,690 |  |  | 13,796 |  |  | 11,677 |  |  | 8,455 |  |  | 2,002 |  |  | 44,217 |
Substandard | 661 |  |  | 2,043 |  |  | 3,596 |  |  | 5,022 |  |  | 14,684 |  |  | 6,332 |  |  | 2,358 |  |  | 34,696 |
Doubtful/Loss | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Total loans outstanding | $ | 685,742 |  |  | $ | 577,102 |  |  | $ | 607,704 |  |  | $ | 517,037 |  |  | $ | 1,248,499 |  |  | $ | 640,176 |  |  | $ | 31,106 |  |  | $ | 4,307,366 |
The following table shows the ending balance of current and past due originated loans by loan category as of the date indicated:
| Analysis of Past Due Loans - As of September 30, 2020
(in thousands) | 30-59 days |  | 60-89 days |  | > 90 days |  | Total Past Due Loans |  | Current |  | Total
Commercial real estate: |  |  |  |  |  |  |  |  |  |  |
CRE non-owner occupied | $ | 960 |  |  | $ | 131 |  |  | $ | 306 |  |  | $ | 1,397 |  |  | $ | 1,598,887 |  |  | $ | 1,600,284 |
CRE owner occupied | 782 |  |  | — |  |  | 421 |  |  | 1,203 |  |  | 579,887 |  |  | 581,090 |
Multifamily | — |  |  | — |  |  | — |  |  | — |  |  | 602,199 |  |  | 602,199 |
Farmland | — |  |  | — |  |  | 451 |  |  | 451 |  |  | 152,398 |  |  | 152,849 |
Total commercial real estate loans | 1,742 |  |  | 131 |  |  | 1,178 |  |  | 3,051 |  |  | 2,933,371 |  |  | 2,936,422 |
Consumer: |  |  |  |  |  |  |  |  |  |  |
SFR 1-4 1st DT liens | 434 |  |  | 74 |  |  | 2,005 |  |  | 2,513 |  |  | 509,246 |  |  | 511,759 |
SFR HELOCs and junior liens | 1,205 |  |  | 492 |  |  | 1,440 |  |  | 3,137 |  |  | 329,683 |  |  | 332,820 |
Other | 155 |  |  | 79 |  |  | 190 |  |  | 424 |  |  | 81,832 |  |  | 82,256 |
Total consumer loans | 1,794 |  |  | 645 |  |  | 3,635 |  |  | 6,074 |  |  | 920,761 |  |  | 926,835 |
Commercial and industrial | 365 |  |  | 395 |  |  | 105 |  |  | 865 |  |  | 633,032 |  |  | 633,897 |
Construction | 138 |  |  | 47 |  |  | 17 |  |  | 202 |  |  | 284,731 |  |  | 284,933 |
Agriculture production | — |  |  | 330 |  |  | — |  |  | 330 |  |  | 40,283 |  |  | 40,613 |
Leases | — |  |  | — |  |  | — |  |  | — |  |  | 3,638 |  |  | 3,638 |
Total | $ | 4,039 |  |  | $ | 1,548 |  |  | $ | 4,935 |  |  | $ | 10,522 |  |  | $ | 4,815,816 |  |  | $ | 4,826,338 |
The following table shows the ending balance of current and past due originated loans by loan category as of the date indicated:
| Analysis of Past Due Loans - As of December 31, 2019
(in thousands) | 30-59 days |  | 60-89 days |  | > 90 days |  | Total Past Due Loans |  | Current |  | Total
Commercial real estate: |  |  |  |  |  |  |  |  |  |  |
CRE non-owner occupied | $ | 268 |  |  | $ | 136 |  |  | $ | 114 |  |  | $ | 518 |  |  | $ | 1,609,038 |  |  | $ | 1,609,556 |
CRE owner occupied | — |  |  |  |  | 293 |  |  | 293 |  |  | 546,141 |  |  | 546,434 |
Multifamily | 283 |  |  | — |  |  | 2,024 |  |  | 2,307 |  |  | 515,418 |  |  | 517,725 |
Farmland | 30 |  | — |  |  | — |  |  | 30 |  | 145,037 |  | 145,067
Total commercial real estate loans | 581 |  |  | 136 |  |  | 2,431 |  |  | 3,148 |  |  | 2,815,634 |  |  | 2,818,782 |
Consumer: |  |  |  |  |  |  |  |  |  |  |
SFR 1-4 1st DT liens | 1,149 |  |  | 371 |  |  | 1,957 |  |  | 3,477 |  |  | 506,031 |  |  | 509,508 |
SFR HELOCs and junior liens | 1,258 |  |  | 580 |  |  | 1,088 |  |  | 2,926 |  |  | 359,960 |  |  | 362,886 |
Other | 172 |  |  | 1 |  |  | 23 |  |  | 196 |  |  | 82,460 |  |  | 82,656 |
Total consumer loans | 2,579 |  | 952 |  | 3,068 |  | 6,599 |  | 948,451 |  | 955,050
Commercial and industrial | 603 |  |  | 297 |  |  | 24 |  |  | 924 |  |  | 248,867 |  |  | 249,791 |
Construction | — |  |  | — |  |  | — |  |  | — |  |  | 249,827 |  |  | 249,827 |
Agriculture production | 49 |  |  | — |  |  | — |  |  | 49 |  |  | 32,584 |  |  | 32,633 |
Leases | — |  |  | — |  |  | — |  |  | — |  |  | 1,283 |  |  | 1,283 |
Total | $ | 3,812 |  |  | $ | 1,385 |  |  | $ | 5,523 |  |  | $ | 10,720 |  |  | $ | 4,296,646 |  |  | $ | 4,307,366 |
The following table shows the ending balance of non accrual loans by loan category as of the date indicated:
| Non Accrual Loans
| As of September 30, 2020 |  | As of December 31, 2019
(in thousands) | Non accrual with no allowance for credit losses |  | Total non accrual |  | Past due 90 days or more and still accruing |  | Non accrual with no allowance for credit losses |  | Total non accrual |  | Past due 90 days or more and still accruing
Commercial real estate: |  |  |  |  |  |  |  |  |  |  |
CRE non-owner occupied | $ | 3,010 |  |  | $ | 3,010 |  |  | $ | — |  |  | $ | 639 |  |  | $ | 642 |  |  | $ | — |
CRE owner occupied | 3,778 |  |  | 3,778 |  |  | — |  |  | 1,411 |  |  | 1,408 |  |  | — |
Multifamily | — |  |  | — |  |  | — |  |  | 2,024 |  |  | 2,024 |  |  | — |
Farmland | 2,056 |  |  | 2,056 |  |  | — |  |  | 1,242 |  |  | 1,242 |  |  | — |
Total commercial real estate loans | 8,844 |  |  | 8,844 |  |  | — |  |  | 5,316 |  |  | 5,316 |  |  | — |
Consumer: |  |  |  |  |  |  |  |  |  |  |
SFR 1-4 1st DT liens | 6,182 |  |  | 6,351 |  |  | — |  |  | 5,023 |  |  | 5,192 |  |  | — |
SFR HELOCs and junior liens | 3,974 |  |  | 5,184 |  |  | — |  |  | 3,992 |  |  | 4,217 |  |  | — |
Other | 80 |  |  | 257 |  |  | 29 |  |  | 4 |  |  | 32 |  |  | 19 |
Total consumer loans | 10,236 |  |  | 11,792 |  |  | 29 |  |  | 9,019 |  |  | 9,441 |  |  | 19 |
Commercial and industrial | 761 |  |  | 1,978 |  |  | 16 |  |  | 476 |  |  | 2,050 |  |  | — |
Construction | — |  |  | 18 |  |  | — |  |  | — |  |  | — |  |  | — |
Agriculture production | 273 |  |  | 286 |  |  | — |  |  | 14 |  |  | 38 |  |  | — |
Leases | — |  |  | — |  |  | — |  |  |  |  |  |  | — |
Sub-total | 20,114 |  | 22,918 |  | 45 |  | 14,825 |  | 16,845 |  | 19
Less: Guaranteed loans | (814) |  |  | (814) |  |  | — |  |  | (916) |  |  | (990) |  |  | — |
Total, net | $ | 19,300 |  |  | $ | 22,104 |  |  | $ | 45 |  |  | $ | 13,909 |  |  | $ | 15,855 |  |  | $ | 19 |
Interest income on non accrual loans that would have been recognized during the three months ended September 30, 2020 and 2019, if all such loans had been current in accordance with their original terms, totaled $303,000 and $325,000, respectively. Interest income actually recognized on these originated loans during the three months ended September 30, 2020 and 2019 was $187,000 and $151,000, respectively. Interest income on non accrual loans that would have been recognized during the nine months ended September 30, 2020 and 2019, if all such loans had been current in accordance with their original terms, totaled $1,162,000 and $1,014,000, respectively. Interest income actually recognized on these originated loans during the nine months ended September 30, 2020 and 2019 was $321,000 and $297,000, respectively. The following tables present the amortized cost basis of collateral dependent loans by class of loans as of the following periods:
| As of September 30, 2020
(in thousands) | Retail |  | Office |  | Warehouse |  | Other |  | Multifamily |  | Farmland |  | SFR -1st Deed |  | SFR -2nd Deed |  | Automobile/Truck |  | A/R and Inventory |  | Equipment |  | Total
Commercial real estate: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
CRE non-owner occupied | $ | 2,696 |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | 2,696 |
CRE owner occupied | 893 |  |  | 950 |  |  | 1,935 |  |  | — |  |  | — |  |  | — |  |  | — |  |  |  |  | — |  |  | — |  |  | — |  |  | 3,778 |
Multifamily | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  |  |  | — |  |  | — |  |  | — |  |  | — |
Farmland | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 2,056 |  |  | — |  |  |  |  | — |  |  | — |  |  | — |  |  | 2,056 |
Total commercial real estate loans | 3,589 |  |  | 950 |  |  | 1,935 |  |  | — |  |  | — |  |  | 2,056 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 8,530 |
Consumer: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
SFR 1-4 1st DT liens | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 6,135 |  |  | 190 |  |  | — |  |  | — |  |  | — |  |  | 6,325 |
SFR HELOCs and junior liens | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 1,187 |  |  | 3,024 |  |  | — |  |  | — |  |  | — |  |  | 4,211 |
Other | — |  |  | — |  |  | — |  |  | 8 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 229 |  |  | — |  |  | — |  |  | 237 |
Total consumer loans | — |  |  | — |  |  | — |  |  | 8 |  |  | — |  |  | — |  |  | 7,322 |  |  | 3,214 |  |  | 229 |  |  | — |  |  | — |  |  | 10,773 |
Commercial and industrial | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 1,933 |  |  | 45 |  |  | 1,978 |
Construction | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Agriculture production | — |  |  | — |  |  | — |  |  | 268 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 13 |  |  | 5 |  |  | 286 |
Leases | — |  |  | — |  |  |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  |  |  | — |
Total | $ | 3,589 |  |  | $ | 950 |  |  | $ | 1,935 |  |  | $ | 276 |  |  | $ | — |  |  | $ | 2,056 |  |  | $ | 7,322 |  |  | $ | 3,214 |  |  | $ | 229 |  |  | $ | 1,946 |  |  | $ | 50 |  |  | $ | 21,567 |
| As of December 31, 2019
(in thousands) | Retail |  | Office |  | Warehouse |  | Other |  | Multifamily |  | Farmland |  | SFR -1st Deed |  | SFR -2nd Deed |  | Automobile/Truck |  | A/R and Inventory |  | Equipment |  | Total
Commercial real estate: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
CRE non-owner occupied | $ | 2,145 |  |  | $ | — |  |  | $ | 1,220 |  |  | $ | 497 |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | 3,862 |
CRE owner occupied | 361 |  |  | 163 |  |  | 420 |  |  | 13 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 1,000 |  |  | 1,957 |
Multifamily | — |  |  | — |  |  | — |  |  | — |  |  | 2,060 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 2,060 |
Farmland | — |  |  | — |  |  | — |  |  | — |  |  | — |  | — | 1,242 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 1,242 |
Total commercial real estate loans | 2,506 |  |  | 163 |  |  | 1,640 |  |  | 510 |  |  | 2,060 |  |  | 1,242 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 1,000 |  |  | 9,121 |
Consumer: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
SFR 1-4 1st DT liens | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 5,341 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 5,341 |
SFR HELOCs and junior liens | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 3,848 |  |  | — |  |  | — |  |  | — |  |  | 3,848 |
Other | — |  |  | — |  |  | — |  |  | 3 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 27 |  |  | — |  |  | — |  |  | 30 |
Total consumer loans | — |  |  | — |  |  | — |  |  | 3 |  |  | — |  |  | — |  |  | 5,341 |  |  | 3,848 |  |  | 27 |  |  | — |  |  | — |  |  | 9,219 |
Commercial and industrial | — |  |  | — |  |  | — |  |  | 107 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 1,926 |  |  | 14 |  |  | 2,047 |
Construction | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Agriculture production | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 26 |  |  | 12 |  |  | 38 |
Leases | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Total | $ | 2,506 |  |  | $ | 163 |  |  | $ | 1,640 |  |  | $ | 620 |  |  | $ | 2,060 |  |  | $ | 1,242 |  |  | $ | 5,341 |  |  | $ | 3,848 |  |  | $ | 27 |  |  | $ | 1,952 |  |  | $ | 1,026 |  |  | $ | 20,425 |
The CARES Act, in addition to providing financial assistance to both businesses and consumers, provides financial institutions the option to temporarily suspend certain requirements under GAAP related to troubled debt restructurings for a limited period of time to account for the effects of COVID-19. The banking regulatory agencies have likewise issued guidance encouraging financial institutions to work prudently with borrowers who are, or may be, unable to meet their contractual payment obligations because of the effects of COVID-19. That guidance, with concurrence of the Financial Accounting Standards Board and provisions of the CARES Act, allow modifications made on a good faith basis in response to COVID-19 to borrowers who were generally current with their payments prior to any relief, to not be treated as troubled debt restructurings. To the extent that such modifications meet the criteria previously described, such modifications are not expected to be classified as troubled debt restructurings.The following tables show certain information regarding TDRs that occurred during the periods indicated:
| TDR information for the three months ended September 30, 2020
(dollars in thousands) | Number |  | Pre-mod outstanding principal balance |  | Post-mod outstanding principal balance |  | Financial impact due to TDR taken as additional provision |  | Number that defaulted during the period |  | Recorded investment of TDRs that defaulted during the period |  | Financial impact due to the default of previous TDR taken as charge- offs or additional provisions
Commercial real estate: |  |  |  |  |  |  |  |  |  |  |  |  |
CRE non-owner occupied | 1 |  |  | $ | 319 |  |  | $ | 314 |  |  | $ | 314 |  |  | 1 |  |  | $ | 141 |  |  | $ | — |
CRE owner occupied | 5 |  |  | 2,422 |  |  | 2,341 |  |  | 67 |  |  | 2 |  |  | 1,401 |  |  | — |
Multifamily | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Farmland | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Total commercial real estate loans | 6 |  |  | 2,741 |  |  | 2,655 |  |  | 381 |  |  | 3 |  |  | 1,542 |  |  | — |
Consumer: |  |  |  |  |  |  |  |  |  |  |  |  |
SFR 1-4 1st DT liens | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
SFR HELOCs and junior liens | — |  |  | — |  |  | — |  |  | — |  |  | 1 |  |  | 143 |  |  | — |
Other | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Total consumer loans | — |  |  | — |  |  | — |  |  | — |  |  | 1 |  |  | 143 |  |  | — |
Commercial and industrial | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Construction | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Agriculture production | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Leases | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Total | 6 |  |  | $ | 2,741 |  |  | $ | 2,655 |  |  | $ | 381 |  |  | 4 |  |  | $ | 1,685 |  |  | $ | — |
| TDR information for the three months ended September 30, 2019
(dollars in thousands) | Number |  | Pre-mod outstanding principal balance |  | Post-mod outstanding principal balance |  | Financial impact due to TDR taken as additional provision |  | Number that defaulted during the period |  | Recorded investment of TDRs that defaulted during the period |  | Financial impact due to the default of previous TDR taken as charge- offs or additional provisions
Commercial real estate: |  |  |  |  |  |  |  |  |  |  |  |  |
CRE non-owner occupied | 2 |  |  | $ | 60 |  |  | $ | 67 |  |  | $ | — |  |  | — |  |  | $ | — |  |  | $ | — |
CRE owner occupied | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Multifamily | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Farmland | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Total commercial real estate loans | 2 |  |  | 60 |  |  | 67 |  |  | — |  |  | — |  |  | — |  |  | — |
Consumer: |  |  |  |  |  |  |  |  |  |  |  |  |
SFR 1-4 1st DT liens | 2 |  |  | 496 |  |  | 500 |  |  | 28 |  |  | — |  |  | — |  |  | — |
SFR HELOCs and junior liens | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Other | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Total consumer loans | 2 |  |  | 496 |  |  | 500 |  |  | 28 |  |  |  |  |  |  | — |
Commercial and industrial | 4 |  |  | 150 |  |  | 148 |  |  | — |  |  | — |  |  | — |  |  | — |
Construction | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Agriculture production | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Leases | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Total | 8 |  |  | $ | 706 |  |  | $ | 715 |  |  | $ | 28 |  |  | — |  |  | — |  |  | $ | — |
| TDR Information for the nine months ended September 30, 2020
(dollars in thousands) | Number |  | Pre-mod outstanding principal balance |  | Post-mod outstanding principal balance |  | Financial impact due to TDR taken as additional provision |  | Number that defaulted during the period |  | Recorded investment of TDRs that defaulted during the period |  | Financial impact due to the default of previous TDR taken as charge- offs or additional provisions
Commercial real estate: |  |  |  |  |  |  |  |  |  |  |  |  |
CRE non-owner occupied | 2 |  |  | $ | 576 |  |  | $ | 565 |  |  | $ | 314 |  |  | 1 |  |  | $ | 141 |  |  | $ | — |
CRE owner occupied | 5 |  |  | 2,422 |  |  | 2,341 |  |  | 67 |  |  | 2 |  |  | 1,401 |  |  | — |
Multifamily | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Farmland | 2 |  |  | 229 |  |  | 298 |  |  | — |  |  | — |  |  | — |  |  | — |
Total commercial real estate loans | 9 |  |  | 3,227 |  |  | 3,204 |  |  | 381 |  |  | 3 |  |  | 1,542 |  |  | — |
Consumer: |  |  |  |  |  |  |  |  |  |  |  |  |
SFR 1-4 1st DT liens | — |  |  | — |  |  | — |  |  | — |  |  | 2 |  |  | 1,037 |  |  | — |
SFR HELOCs and junior liens | 2 |  |  | 172 |  |  | 169 |  |  | — |  |  | — |  |  | — |  |  | — |
Other | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Total consumer loans | 2 |  |  | 172 |  |  | 169 |  |  | — |  |  | 2 |  |  | 1,037 |  |  | — |
Commercial and industrial | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Construction | 1 |  |  | 21 |  |  | 20 |  |  | 21 |  |  | — |  |  | — |  |  | — |
Total | 12 |  |  | $ | 3,420 |  |  | $ | 3,393 |  |  | $ | 402 |  |  | 5 |  |  | $ | 2,579 |  |  | $ | — |
| TDR Information for the nine months ended September 30, 2019
(dollars in thousands) | Number |  | Pre-mod outstanding principal balance |  | Post-mod outstanding principal balance |  | Financial impact due to TDR taken as additional provision |  | Number that defaulted during the period |  | Recorded investment of TDRs that defaulted during the period |  | Financial impact due to the default of previous TDR taken as charge- offs or additional provisions
Commercial real estate: |  |  |  |  |  |  |  |  |  |  |  |  |
CRE non-owner occupied | 2 |  |  | $ | 60 |  |  | $ | 67 |  |  | $ | — |  |  | — |  |  | $ | — |  |  | $ | — |
CRE owner occupied | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Multifamily | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Farmland | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Total commercial real estate loans | 2 |  |  | 60 |  |  | 67 |  |  | — |  |  | — |  |  | — |  |  | — |
Consumer: |  |  |  |  |  |  |  |  |  |  |  |  |
SFR 1-4 1st DT liens | 3 |  |  | 659 |  |  | 662 |  |  | 30 |  |  | — |  |  | — |  |  | — |
SFR HELOCs and junior liens | 3 |  |  | 214 |  |  | 215 |  |  | 29 |  |  | — |  |  | — |  |  | — |
Other | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Total consumer loans | 6 |  |  | 873 |  |  | 877 |  |  | 59 |  |  | — |  |  | — |  |  | — |
Commercial and industrial | 10 |  |  | 1,918 |  |  | 1,885 |  |  | — |  |  | 1 |  |  | 7 |  |  | — |
Construction | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Total | 18 |  |  | $ | 2,851 |  |  | $ | 2,829 |  |  | $ | 59 |  |  | 1 |  |  | $ | 7 |  |  | $ | — |
The Company also modified the terms of select loans in an effort to assist borrowers that were not related to the COVID-19 pandemic. If the borrower was experiencing financial difficulty and a concession was granted, the Company considered such modifications as troubled debt restructurings. Modifications classified as TDRs can include one or a combination of the following: rate modifications, term extensions, interest only modifications, either temporary or long-term, payment modifications, and collateral substitutions/additions. The objective of the modifications was to increase loan repayments by customers and thereby reduce net charge-offs. The modified loans are included in impaired loans for purposes of determining the level of the allowance for credit losses. For all new TDRs, an impairment analysis is conducted. If the loan is determined to be collateral dependent, any additional amount of impairment will be calculated based on the difference between estimated collectible value and the current carrying balance of the loan. This difference could result in an increased provision and is typically charged off. If the asset is determined not to be collateral dependent, the impairment is measured on the net present value difference between the expected cash flows of the restructured loan and the cash flows which would have been received under the original terms. The effect of this could result in a requirement for additional provision to the reserve. The effect of these required provisions for the period are indicated above. Typically if a TDR defaults during the period, the loan is then considered collateral dependent and, if it was not already considered collateral dependent, an appropriate provision will be reserved or charge will be taken. The additional provisions required resulting from default of previously modified TDR’s are noted above. Loans that defaulted within the twelve month period subsequent to modification were not considered significant for financial reporting purposes.

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