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Allowance for Credit Losses (Tables)

3 Months Ended

Mar. 31, 2021

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 credit losses – Three months ended March 31, 2021
(in thousands)			Beginning Balance												Charge-offs						Recoveries						Provision (benefit)						Ending  Balance
Commercial real estate:
CRE non-owner occupied			$	29,380											$	—					$	2					$	(2,948)					$	26,434
CRE owner occupied			10,861												—						1						(988)						9,874
Multifamily			11,472												—						—						899						12,371
Farmland			1,980												—						—						(256)						1,724
Total commercial real estate loans			53,693												—						3						(3,293)						50,403
Consumer:
SFR 1-4 1st DT liens			10,117												—						10						538						10,665
SFR HELOCs and junior liens			11,771												—						285						(977)						11,079
Other			3,260												(193)						106						(313)						2,860
Total consumer loans			25,148												(193)						401						(752)						24,604
Commercial and industrial			4,252												(33)						136						109						4,464
Construction			7,540												—						—						(2,064)						5,476
Agriculture production			1,209												—						20						(241)						988
Leases			5												—						—						1						6
Allowance for credit losses on loans			91,847												(226)						560						(6,240)						85,941
Reserve for unfunded commitments			3,400												—						—						180						3,580
Total			$	95,247											$	(226)					$	560					$	(6,060)					$	89,521

			Allowance for credit losses – Year ended December 31, 2020
(in thousands)			Beginning Balance						Adoption of CECL						Charge-offs						Recoveries						Provision (benefit)						Ending Balance
Commercial real estate:
CRE non-owner occupied			$	5,948					$	6,701					$	—					$	198					$	16,533					$	29,380
CRE owner occupied			2,027						2,281						—						28						6,525						10,861
Multifamily			3,352						2,281						—						—						5,839						11,472
Farmland			668						585						(182)						—						909						1,980
Total commercial real estate loans			11,995						11,848						(182)						226						29,806						53,693
Consumer:
SFR 1-4 1st DT liens			2,306						2,675						(13)						416						4,733						10,117
SFR HELOCs and junior liens			6,183						4,638						(116)						304						762						11,771
Other			1,595						971						(670)						347						1,017						3,260
Total consumer loans			10,084						8,284						(799)						1,067						6,512						25,148
Commercial and industrial			4,867						(1,961)						(774)						568						1,552						4,252
Construction			3,388						933						—						—						3,219						7,540
Agriculture production			261						(179)						—						24						1,103						1,209
Leases			21						(12)						—						—						(4)						5
Allowance for credit losses on loans			30,616						18,913						(1,755)						1,885						42,188						91,847
Reserve for unfunded commitments			2,775						—						—						—						625						3,400
Total			$	33,391					$	18,913					$	(1,755)					$	1,885					$	42,813					$	95,247

On January 1, 2020, the Company adopted ASU 2016-03 Financial Instruments — Credit Losses (Topic 326): Measurement of Credit Losses on Financial Instruments, which replaces the incurred loss methodology that is referred to as the current expected credit loss (CECL) methodology. The Company recognized an increase in the ACL for loans totaling $18,913,000, including a reclassification of $481,000 from discounts on acquired loans to the allowance for credit losses, as a cumulative effect adjustment from change in accounting policies, with a corresponding decrease in retained earnings, net of $5,449,000 in taxes of $12,983,000.

			Allowance for loan losses – Three months ended March 31, 2020
(in thousands)			Beginning Balance						Adoption of CECL						Charge-offs						Recoveries						Provision (benefit)						Ending Balance
Commercial real estate:
CRE non-owner occupied			$	5,948					$	6,701					$	—					$	189					$	5,195					$	18,033
CRE owner occupied			2,027						2,281						—						5						1,052						5,365
Multifamily			3,352						2,281						—						—						(493)						5,140
Farmland			668						585						—						—						(541)						712
Total commercial real estate loans			11,995						11,848						—						194						5,213						29,250
Consumer:
SFR 1-4 1st DT liens			2,306						2,675						—						410						259						5,650
SFR HELOCs and junior liens			6,183						4,638						—						48						327						11,196
Other			1,595						971						(130)						94						216						2,746
Total consumer loans			10,084						8,284						(130)						552						802						19,592
Commercial and industrial			4,867						(1,961)						(380)						126						1,216						3,868
Construction			3,388						933						—						—						274						4,595
Agriculture production			261						(179)						—						20						493						595
Leases			21						(12)						—						—						2						11
Allowance for credit losses on loans			30,616						18,913						(510)						892						8,000						57,911
Reserve for unfunded commitments			2,775						—						—						—						—						2,775
Total			$	33,391					$	18,913					$	(510)					$	892					$	8,000					$	60,686

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 March 31, 2021
(in thousands)			2021						2020						2019						2018						2017						Prior						Revolving Loans Amortized Cost Basis						Revolving Loans Converted to Term						Total
Commercial real estate:
CRE non-owner occupied risk ratings
Pass			$	58,047					$	130,667					$	205,818					$	147,766					$	252,414					$	620,082					$	65,028					$	—					$	1,479,822
Special Mention			—						—						6,226						11,683						12,245						19,053						12,001						—						61,208
Substandard			—						—						—						1,432						577						11,888						—						—						13,897
Doubtful/Loss			—						—						—						—						—						—						—						—						—
Total CRE non-owner occupied risk ratings			$	58,047					$	130,667					$	212,044					$	160,881					$	265,236					$	651,023					$	77,029					$	—					$	1,554,927

			Term Loans Amortized Cost Basis by Origination Year – As of March 31, 2021
(in thousands)			2021						2020						2019						2018						2017						Prior						Revolving Loans Amortized Cost Basis						Revolving Loans Converted to Term						Total
Commercial real estate:
CRE owner occupied risk ratings
Pass			$	36,465					$	104,653					$	73,669					$	52,367					$	57,770					$	270,655					$	22,402					$	—					$	617,981
Special Mention			—						—						—						288						7,171						8,916						—						—						16,375
Substandard			—						—						1,505						1,282						470						3,603						—						—						6,860
Doubtful/Loss			—						—						—						—						—						—						—						—						—
Total CRE owner occupied risk ratings			$	36,465					$	104,653					$	75,174					$	53,937					$	65,411					$	283,174					$	22,402					$	—					$	641,216

Commercial real estate:
Multifamily risk ratings
Pass			$	121,003					$	82,738					$	118,173					$	118,297					$	68,886					$	187,843					$	20,771					$	—					$	717,711
Special Mention			—						9,383						—						—						—						24,679						8,759						—						42,821
Substandard			—						—						4,352						—						—						—						—						—						4,352
Doubtful/Loss			—						—						—						—						—						—						—						—						—
Total multifamily loans			$	121,003					$	92,121					$	122,525					$	118,297					$	68,886					$	212,522					$	29,530					$	—					$	764,884

Commercial real estate:
Farmland risk ratings
Pass			$	4,669					$	18,083					$	22,496					$	18,659					$	8,467					$	23,026					$	38,076					$	—					$	133,476
Special Mention			—						—						—						—						1,196						3,316						1,653						—						6,165
Substandard			—						—						3,266						—						596						1,144						2,950						—						7,956
Doubtful/Loss			—						—						—						—						—						—						—						—						—
Total farmland loans			$	4,669					$	18,083					$	25,762					$	18,659					$	10,259					$	27,486					$	42,679					$	—					$	147,597

Consumer loans:
SFR 1-4 1st DT liens risk ratings
Pass			$	125,704					$	186,594					$	72,632					$	33,274					$	47,410					$	152,614					$	—					$	5,039					$	623,267
Special Mention			—						—						289						682						421						2,803						—						1,073						5,268
Substandard			—						—						—						1,151						680						6,096						—						362						8,289
Doubtful/Loss			—						—						—						—						—						—						—						—						—
Total SFR 1st DT liens			$	125,704					$	186,594					$	72,921					$	35,107					$	48,511					$	161,513					$	—					$	6,474					$	636,824

Consumer loans:
SFR HELOCs and Junior Liens
Pass			$	700					$	85					$	—					$	12					$	343					$	958					$	303,290					$	12,920					$	318,308
Special Mention			—						—						—						16						—						139						4,254						785						5,194
Substandard			—						—						—						—						—						33						6,146						1,652						7,831
Doubtful/Loss			—						—						—						—						—						—						—						—						—
Total SFR HELOCs and Junior Liens			$	700					$	85					$	—					$	28					$	343					$	1,130					$	313,690					$	15,357					$	331,333

			Term Loans Amortized Cost Basis by Origination Year – As of March 31, 2021
(in thousands)			2021						2020						2019						2018						2017						Prior						Revolving Loans Amortized Cost Basis						Revolving Loans Converted to Term						Total
Consumer loans:
Other risk ratings
Pass			$	5,880					$	21,727					$	26,153					$	12,095					$	3,472					$	1,632					$	889					$	—					$	71,848
Special Mention			—						55						202						249						36						78						77						—						697
Substandard			—						57						79						134						85						147						9						—						511
Doubtful/Loss			—						—						—						—						—						—						—						—						—
Total other consumer loans			$	5,880					$	21,839					$	26,434					$	12,478					$	3,593					$	1,857					$	975					$	—					$	73,056

Commercial and industrial loans:
Commercial and industrial risk ratings
Pass			$	177,482					$	216,547					$	44,666					$	17,226					$	11,974					$	12,802					$	61,969					$	964					$	543,630
Special Mention			—						—						96						602						169						176						2,558						10						3,611
Substandard			—						—						282						104						1,375						812						1,188						75						3,836
Doubtful/Loss			—						—						—						—						—						—						—						—						—
Total commercial and industrial loans			$	177,482					$	216,547					$	45,044					$	17,932					$	13,518					$	13,790					$	65,715					$	1,049					$	551,077

Construction loans:
Construction risk ratings
Pass			$	1,711					$	76,063					$	44,589					$	37,820					$	31,303					$	23,442					$	—					$	—					$	214,928
Special Mention			—						—						—						—						346						1,756						—						—						2,102
Substandard			—						—						—						—						—						4,583						—						—						4,583
Doubtful/Loss			—						—						—						—						—						—						—						—						—
Total construction loans			$	1,711					$	76,063					$	44,589					$	37,820					$	31,649					$	29,781					$	—					$	—					$	221,613

Agriculture production loans:
Agriculture production risk ratings
Pass			$	262					$	897					$	1,959					$	1,288					$	1,582					$	1,108					$	32,416					$	—					$	39,512
Special Mention			—						—						—						189						—						47						—						—						236
Substandard			—						—						—						—						—						5						—						—						5
Doubtful/Loss			—						—						—						—						—						—						—						—						—
Total agriculture production loans			$	262					$	897					$	1,959					$	1,477					$	1,582					$	1,160					$	32,416					$	—					$	39,753

Leases:
Lease risk ratings
Pass			$	4,697					$	—					$	—					$	—					$	—					$	—					$	—					$	—					$4,697
Special Mention			—						—						—						—						—						—						—						—						—
Substandard			—						—						—						—						—						—						—						—						—
Doubtful/Loss			—						—						—						—						—						—						—						—						—
Total leases			$	4,697					$	—					$	—					$	—					$	—					$	—					$	—					$	—					$	4,697

			Term Loans Amortized Cost Basis by Origination Year – As of March 31, 2021
(in thousands)			2021						2020						2019						2018						2017						Prior						Revolving Loans Amortized Cost Basis						Revolving Loans Converted to Term						Total
Total loans outstanding:
Risk ratings
Pass			$	536,620					$	838,054					$	610,155					$	438,804					$	483,621					$	1,294,162					$	544,841					$	18,923					$	4,765,180
Special Mention			—						9,438						6,813						13,709						21,584						60,963						29,302						1,868						143,677
Substandard			—						57						9,484						4,103						3,783						28,311						10,293						2,089						58,120
Doubtful/Loss			—						—						—						—						—						—						—						—						—
Total loans outstanding			$	536,620					$	847,549					$	626,452					$	456,616					$	508,988					$	1,383,436					$	584,436					$	22,880					$	4,966,977

			Term Loans Amortized Cost Basis by Origination Year – As of December 31, 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			$	120,520					$	207,899					$	155,730					$	256,677					$	179,523					$	460,644					$	76,730					$	—					$	1,457,723
Special Mention			—						7,455						11,692						5,407						15,773						18,832						12,205						—						71,364
Substandard			—						—						1,449						584						2,147						2,288						—						—						6,468
Doubtful/Loss			—						—						—						—						—						—						—						—						—
Total CRE non-owner occupied risk ratings			$	120,520					$	215,354					$	168,871					$	262,668					$	197,443					$	481,764					$	88,935					$	—					$	1,535,555

Commercial real estate:
CRE owner occupied risk ratings
Pass			$	105,896					$	75,144					$	53,816					$	58,371					$	54,541					$	227,828					$	25,508					$	—					$	601,104
Special Mention			—						—						288						7,451						2,955						6,140						—						—						16,834
Substandard			—						1,533						1,301						475						1,306						1,822						—						—						6,437
Doubtful/Loss			—						—						—						—						—						—						—						—						—
Total CRE owner occupied risk ratings			$	105,896					$	76,677					$	55,405					$	66,297					$	58,802					$	235,790					$	25,508					$	—					$	624,375

Commercial real estate:
Multifamily risk ratings
Pass			$	77,646					$	118,725					$	113,882					$	70,112					$	67,457					$	123,518					$	19,007					$	—					$	590,347
Special Mention			9,441						—						—						603						24,687						772						9,259						—						44,762
Substandard			—						4,371						—						—						—			—			—						—						—						4,371
Doubtful/Loss			—						—						—						—						—						—						—						—						—
Total multifamily loans			$	87,087					$	123,096					$	113,882					$	70,715					$	92,144					$	124,290					$	28,266					$	—					$	639,480

			Term Loans Amortized Cost Basis by Origination Year – As of December 31, 2020
(in thousands)			2020						2019						2018						2017						2016						Prior						Revolving Loans Amortized Cost Basis						Revolving Loans Converted to Term						Total
Commercial real estate:
Farmland risk ratings
Pass			$	17,640					$	25,003					$	19,148					$	12,834					$	7,377					$	17,129					$	39,411					$	—					$	138,542
Special Mention			—						2,567						—						1,271						227						3,107						2,258						—						9,430
Substandard			—						700						—						602						—						1,214						2,004						—						4,520
Doubtful/Loss			—						—						—						—						—						—						—						—						—
Total farmland loans			$	17,640					$	28,270					$	19,148					$	14,707					$	7,604					$	21,450					$	43,673					$	—					$	152,492

Consumer loans:
SFR 1-4 1st DT liens risk ratings
Pass			$	183,719					$	80,717					$	36,342					$	53,001					$	46,467					$	126,465					$	76					$	5,507					$	532,294
Special Mention			—						290						684						110						15						2,936						—						934						4,969
Substandard			—						—						1,174						929						935						5,763						—						528						9,329
Doubtful/Loss			—						—						—						—						—						—						—						—						—
Total SFR 1st DT liens			$	183,719					$	81,007					$	38,200					$	54,040					$	47,417					$	135,164					$	76					$	6,969					$	546,592

Consumer loans:
SFR HELOCs and Junior Liens
Pass			$	793					$	—					$	13					$	360					$	300					$	910					$	297,160					$	14,051					$	313,587
Special Mention			—						—						16						—						—						83						4,504						789						5,392
Substandard			—						—						—						—						—						39						6,698						1,768						8,505
Doubtful/Loss			—						—						—						—						—						—						—						—						—
Total SFR HELOCs and Junior Liens			$	793					$	—					$	29					$	360					$	300					$	1,032					$	308,362					$	16,608					$	327,484

Consumer loans:
Other risk ratings
Pass			$	25,876					$	29,539					$	14,170					$	4,238					$	1,020					$	967					$	986					$	—					$	76,796
Special Mention			43						208						147						74						24						65						90						—						651
Substandard			58						82						210						74						12						140						9						—						585
Doubtful/Loss			—						—						—						—						—						—						—						—						—
Total other consumer loans			$	25,977					$	29,829					$	14,527					$	4,386					$	1,056					$	1,172					$	1,085					$	—					$	78,032

Commercial and industrial loans:
Commercial and industrial risk ratings
Pass			$	356,701					$	48,838					$	20,463					$	13,151					$	5,185					$	9,490					$	65,938					$	1,085					$	520,851
Special Mention			—						102						698						195						20						178						207						11						1,411
Substandard			—						301						53						1,142						823						148						1,519						79						4,065
Doubtful/Loss			—						—						—						—						—						—						—						—						—
Total commercial and industrial loans			$	356,701					$	49,241					$	21,214					$	14,488					$	6,028					$	9,816					$	67,664					$	1,175					$	526,327

			Term Loans Amortized Cost Basis by Origination Year – As of December 31, 2020
(in thousands)			2020						2019						2018						2017						2016						Prior						Revolving Loans Amortized Cost Basis						Revolving Loans Converted to Term						Total
Construction loans:
Construction risk ratings
Pass			69,133						41,786						92,191						51,082						20,868						2,876						—						$	—					$	277,936
Special Mention			—						—						—						346						—						1,780						—						—						2,126
Substandard			—						—						—						—						4,529						251						—						—						4,780
Doubtful/Loss			—						—						—						—						—						—						—						—						—
Total construction loans			$	69,133					$	41,786					$	92,191					$	51,428					$	25,397					$	4,907					$	—					$	—					$	284,842

Agriculture production loans:
Agriculture production risk ratings
Pass			$	977					$	2,079					$	1,590					$	1,838					$	663					$	708					$	36,051					$	—					$	43,906
Special Mention			—						—						203						—						49						—						—						—						252
Substandard			—						—						—						—						6						—						—						—						6
Doubtful/Loss			—						—						—						—						—						—						—						—						—
Total agriculture production loans			$	977					$	2,079					$	1,793					$	1,838					$	718					$	708					$	36,051					$	—					$	44,164

Leases:
Lease risk ratings
Pass			$	3,784					$	—					$	—					$	—					$	—					$	—					$	—					$	—					$	3,784
Special Mention			—						—						—						—						—						—						—						—						—
Substandard			—						—						—						—						—						—						—						—						—
Doubtful/Loss			—						—						—						—						—						—						—						—						—
Total leases			$	3,784					$	—					$	—					$	—					$	—					$	—					$	—					$	—					$	3,784

Total loans outstanding:
Risk ratings
Pass			$	962,685					$	629,730					$	507,345					$	521,664					$	383,401					$	970,535					$	560,867					$	20,643					$	4,556,870
Special Mention			9,484						10,622						13,728						15,457						43,750						33,893						28,523						1,734						157,191
Substandard			58						6,987						4,187						3,806						9,758						11,665						10,230						2,375						49,066
Doubtful/Loss			—						—						—						—						—						—						—						—						—
Total loans outstanding			$	972,227					$	647,339					$	525,260					$	540,927					$	436,909					$	1,016,093					$	599,620					$	24,752					$	4,763,127

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 March 31, 2021
(in thousands)			30-59 days						60-89 days						> 90 days						Total Past Due Loans						Current						Total
Commercial real estate:
CRE non-owner occupied			$	55					$	354					$	4,110					$	4,519					$	1,550,408					$	1,554,927
CRE owner occupied			158						—						589						747						640,469						641,216
Multifamily			—						—						—						—						764,884						764,884
Farmland			—						—						847						847						146,750						147,597
Total commercial real estate loans			213						354						5,546						6,113						3,102,511						3,108,624
Consumer:
SFR 1-4 1st DT liens			—						—						881						881						635,943						636,824
SFR HELOCs and junior liens			59						490						1,472						2,021						329,312						331,333
Other			66						13						31						110						72,946						73,056
Total consumer loans			125						503						2,384						3,012						1,038,201						1,041,213
Commercial and industrial			152						168						771						1,091						549,986						551,077
Construction			295						—						—						295						221,318						221,613
Agriculture production			39						—						—						39						39,714						39,753
Leases			—						—						—						—						4,697						4,697
Total			$	824					$	1,025					$	8,701					$	10,550					$	4,956,427					$	4,966,977

			Analysis of Past Due Loans - As of December 31, 2020
(in thousands)			30-59 days						60-89 days						> 90 days						Total Past Due Loans						Current						Total
Commercial real estate:
CRE non-owner occupied			$	127					$	173					$	239					$	539					$	1,535,016					$	1,535,555
CRE owner occupied			297												824						1,121						623,254						624,375
Multifamily			—						—						—						—						639,480						639,480
Farmland			899						—						70						969						151,523						152,492
Total commercial real estate loans			1,323						173						1,133						2,629						2,949,273						2,951,902
Consumer:
SFR 1-4 1st DT liens			37						—						960						997						545,595						546,592
SFR HELOCs and junior liens			418						212						1,671						2,301						325,183						327,484
Other			41						13						100						154						77,878						78,032
Total consumer loans			496						225						2,731						3,452						948,656						952,108
Commercial and industrial			155						426						105						686						525,641						526,327
Construction			—						—						—						—						284,842						284,842
Agriculture production			—						—						—						—						44,164						44,164
Leases			—						—						—						—						3,784						3,784
Total			$	1,974					$	824					$	3,969					$	6,767					$	4,756,360					$	4,763,127

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 March 31, 2021																		As of December 31, 2020
(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			$	7,000					$	7,000					$	—					$	3,110					$	3,110					$	—
CRE owner occupied			2,833						3,762						—						3,111						4,061						—
Multifamily			—						—						—						—						—						—
Farmland			1,431						1,431						—						1,468						1,538						—
Total commercial real estate loans			11,264						12,193						—						7,689						8,709						—
Consumer:
SFR 1-4 1st DT liens			4,853						4,996						—						4,950						5,093						—
SFR HELOCs and junior liens			4,187						5,142						—						4,480						6,148						—
Other			52						103						—						68						167						—
Total consumer loans			9,092						10,241						—						9,498						11,408						—
Commercial and industrial			108						1,774						245						652						2,183						—
Construction			4,483						4,483						—						4,546						4,546						—
Agriculture production			5						5						—						5						18						—
Leases			—						—						—						—						—						—
Sub-total			24,952						28,696						245						22,390						26,864						—
Less: Guaranteed loans			(814)						(814)						—						(687)						(811)
Total, net			$	24,138					$	27,882					$	245					$	21,703					$	26,053					$	—

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 March 31, 2021
(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			$	2,630					$	427					$	—					$	3,943					$	—					$	—					$	—					$	—					$	—					$	—					$	—					$	7,000
CRE owner occupied			781						927						1,640						414						—						—						—						—						—						—						—						3,762
Multifamily			—						—						—						—						—						—						—						—						—						—						—						—
Farmland			—						—						—						—						—						1,431						—						—						—						—						—						1,431
Total commercial real estate loans			3,411						1,354						1,640						4,357						—						1,431						—						—						—						—						—						12,193
Consumer:
SFR 1-4 1st DT liens			—						—						—						—						—						—						4,996						—						—						—						—						4,996
SFR HELOCs and junior liens			—						—						—						—						—						—						1,882						2,471						—						—						—						4,353
Other			—						—						—						69						—						—						—						—						25						—						—						94
Total consumer loans			—						—						—						69						—						—						6,878						2,471						25						—						—						9,443
Commercial and industrial			—						—						—						272						—						—						—						—						—						1,288						214						1,774
Construction			—						—						—						—						—						—						4,483						—						—						—						—						4,483
Agriculture production			—						—						—						—						—						—						—						—						—						—						5						5
Leases			—						—						—						—						—						—						—						—						—						—						—						—
Total			$	3,411					$	1,354					$	1,640					$	4,698					$	—					$	1,431					$	11,361					$	2,471					$	25					$	1,288					$	219					$	27,898

			As of December 31, 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			$	2,445					$	435					$	—					$	—					$	—					$	—					$	—					$	—					$	—					$	—					$	—					$	2,880
CRE owner occupied			796						1,176						1,668						—						—						—						—						—						—						—						—						3,640
Multifamily			—						—						—						—						—						—						—						—						—						—						—						—
Farmland			—						—						—						—						—			—			1,538						—						—						—						—						—						1,538
Total commercial real estate loans			3,241						1,611						1,668						—						—						1,538						—						—						—						—						—						8,058
Consumer:
SFR 1-4 1st DT liens			—						—						—						—						—						—						5,068						—						—						—						—						5,068
SFR HELOCs and junior liens			—						—						—						—						—						—						1,855						2,839						—						—						—						4,694
Other			—						—						—						42						—						—						—						—						97						—						—						139
Total consumer loans			—						—						—						42						—						—						6,923						2,839						97						—						—						9,901
Commercial and industrial			—						—						—						292						—						—						—						—						—						1,173						75						1,540
Construction			—						—						—						—						—						—						4,547						—						—						—						—						4,547
Agriculture production			—						—						—						—						—						—						—						—						—						13						5						18
Leases			—						—						—						—						—						—						—						—						—						—						—						—
Total			$	3,241					$	1,611					$	1,668					$	334					$	—					$	1,538					$	11,470					$	2,839					$	97					$	1,186					$	80					$	24,064

Troubled Debt Restructurings

The following tables show certain information regarding TDRs that occurred during the periods indicated:

			TDR information for the three months ended March 31, 2021
(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						$	317					$	314					$	314					—						$	—					$	—
CRE owner occupied			1						740						742						742						—						—						—
Multifamily			—						—						—						—						—						—						—
Farmland			—						—						—						—						3						847						—
Total commercial real estate loans			2						1,057						1,056						1,056						3						847						—
Consumer:
SFR 1-4 1st DT liens			—						—						—						—						—						—						—
SFR HELOCs and junior liens			—						—						—						—						—						—						—
Other			—						—						—						—						—						—						—
Total consumer loans			—						—						—						—						—						—						—
Commercial and industrial			3						316						310						310						1						247						—
Construction			—						—						—						—						—						—						—
Agriculture production			—						—						—						—						—						—						—
Leases			—						—						—						—						—						—						—
Total			5						$	1,373					$	1,366					$	1,366					4						$	1,094					$	—

			TDR information for the three months ended March 31, 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						$	257					$	251					$	—					—						$	—					$	—
CRE owner occupied			—						—						—						—						—						—						—
Multifamily			—						—						—						—						—						—						—
Farmland			2						230						298						—						—						—						—
Total commercial real estate loans			3						487						549						—						—						—						—
Consumer:
SFR 1-4 1st DT liens			—						—						—						—						1						302						—
SFR HELOCs and junior liens			2						172						169						—						—						—						—
Other			—						—						—						—						—						—						—
Total consumer loans			2						172						169						—						1						302						—
Commercial and industrial			1						21						20						21						—						—						—
Construction			—						—						—						—						—						—						—
Agriculture production			—						—						—						—						—						—						—
Leases			—						—						—						—						—						—						—
Total			6						$	680					$	738					$	21					1						$	302					$	—

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