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Allowance for Credit Losses on Loans (Tables)

9 Months Ended

Sep. 30, 2020

Allowance For Loan And Lease Losses [Abstract]

Summary of Activity in Allowance for Loan Losses, and Ending Balance of Loans, Net of Unearned Fees for Periods Indicated

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

			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

Schedule Credit Quality Indicators

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

			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

Analysis of Past Due Loans

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

Schedule of Non Accrual Loans

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

Amortized Cost Basis of Collateral Dependent Loans, By Class of Loan

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

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					$	—

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