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Allowance for Credit Losses | 6 Months Ended
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Jun. 30, 2022
Allowance For Loan And Lease Losses [Abstract] |
Allowance for Credit Losses | Allowance for Credit Losses 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 June 30, 2022
(in thousands) | Beginning Balance |  |  |  | Charge-offs |  | Recoveries |  | Provision (benefit) |  | Ending Balance
Commercial real estate: |  |  |  |  |  |  |  |  |  |  |
CRE non-owner occupied | $ | 28,055 |  |  |  |  | $ | — |  |  | $ | — |  |  | $ | 26 |  |  | $ | 28,081 |
CRE owner occupied | 12,071 |  |  |  |  | — |  |  | 1 |  |  | 548 |  |  | 12,620 |
Multifamily | 11,987 |  |  |  |  | — |  |  | — |  |  | (192) |  |  | 11,795 |
Farmland | 2,879 |  |  |  |  | — |  |  | — |  |  | 75 |  |  | 2,954 |
Total commercial real estate loans | 54,992 |  |  |  |  | — |  |  | 1 |  |  | 457 |  |  | 55,450 |
Consumer: |  |  |  |  |  |  |  |  |  |  |
SFR 1-4 1st DT liens | 10,669 |  |  |  |  | — |  |  | 1 |  |  | (359) |  |  | 10,311 |
SFR HELOCs and junior liens | 10,843 |  |  |  |  | — |  |  | 153 |  |  | 595 |  |  | 11,591 |
Other | 2,167 |  |  |  |  | (166) |  |  | 76 |  |  | (48) |  |  | 2,029 |
Total consumer loans | 23,679 |  |  |  |  | (166) |  |  | 230 |  |  | 188 |  |  | 23,931 |
Commercial and industrial | 9,042 |  |  |  |  | (235) |  |  | 124 |  |  | 1,048 |  |  | 9,979 |
Construction | 7,437 |  |  |  |  | — |  |  | — |  |  | 85 |  |  | 7,522 |
Agriculture production | 883 |  |  |  |  | — |  |  | 1 |  |  | 162 |  |  | 1,046 |
Leases | 16 |  |  |  |  | — |  |  | — |  |  | — |  |  | 16 |
Allowance for credit losses on loans | $ | 96,049 |  |  |  |  | $ | (401) |  |  | $ | 356 |  |  | $ | 1,940 |  |  | $ | 97,944 |
Reserve for unfunded commitments | 3,915 |  |  |  |  | — |  |  | — |  |  | 160 |  |  | 4,075 |
Total | $ | 99,964 |  |  |  |  | $ | (401) |  |  | $ | 356 |  |  | $ | 2,100 |  |  | $ | 102,019 |
| Allowance for credit losses – Six months ended June 30, 2022
(in thousands) | Beginning Balance |  | ACL on PCD Loans |  | Charge-offs |  | Recoveries |  | Provision (benefit) |  | Ending Balance
Commercial real estate: |  |  |  |  |  |  |  |  |  |  |
CRE non-owner occupied | $ | 25,739 |  |  | $ | 746 |  |  | $ | — |  |  | $ | — |  |  | $ | 1,596 |  |  | $ | 28,081 |
CRE owner occupied | 10,691 |  |  | 63 |  |  | — |  |  | 1 |  |  | 1,865 |  |  | 12,620 |
Multifamily | 12,395 |  |  | — |  |  | — |  |  | — |  |  | (600) |  |  | 11,795 |
Farmland | 2,315 |  |  | 764 |  |  | (294) |  |  | — |  |  | 169 |  |  | 2,954 |
Total commercial real estate loans | 51,140 |  |  | 1,573 |  |  | (294) |  |  | 1 |  |  | 3,030 |  |  | 55,450 |
Consumer: |  |  |  |  |  |  |  |  |  |  |
SFR 1-4 1st DT liens | 10,723 |  |  | 144 |  |  | — |  |  | 41 |  |  | (597) |  |  | 10,311 |
SFR HELOCs and junior liens | 10,510 |  |  | — |  |  | — |  |  | 328 |  |  | 753 |  |  | 11,591 |
Other | 2,241 |  |  | — |  |  | (285) |  |  | 147 |  |  | (74) |  |  | 2,029 |
Total consumer loans | 23,474 |  |  | 144 |  |  | (285) |  |  | 516 |  |  | 82 |  |  | 23,931 |
Commercial and industrial | 3,862 |  |  | 81 |  |  | (565) |  |  | 1,011 |  |  | 5,590 |  |  | 9,979 |
Construction | 5,667 |  |  | 201 |  |  | — |  |  | — |  |  | 1,654 |  |  | 7,522 |
Agriculture production | 1,215 |  |  | 38 |  |  | — |  |  | 2 |  |  | (209) |  |  | 1,046 |
Leases | 18 |  |  | — |  |  | — |  |  | — |  |  | (2) |  |  | 16 |
Allowance for credit losses on loans | $ | 85,376 |  |  | $ | 2,037 |  |  | $ | (1,144) |  |  | $ | 1,530 |  |  | $ | 10,145 |  |  | $ | 97,944 |
Reserve for unfunded commitments | 3,790 |  |  | — |  |  | — |  |  | — |  |  | 285 |  |  | 4,075 |
Total | $ | 89,166 |  |  | $ | 2,037 |  |  | $ | (1,144) |  |  | $ | 1,530 |  |  | $ | 10,430 |  |  | $ | 102,019 |
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. The Company utilizes a forecast period of approximately eight quarters and obtains the forecast data from publicly available sources as of the balance sheet date. This forecast data continues to evolve and included improving shifts in the magnitude of changes for both the unemployment and GDP factors leading up to the balance sheet date, particularly CA unemployment trends. However, management notes that the majority of economic forecasts utilized in the ACL calculation have remained directionally consistent with preceding quarters, as general economic conditions continue to improve, albeit at a pace slower than expected due to unforeseen disruptions in the supply chain and increasing energy prices. In addition, management notes that the actual and forecast increases in inflation that were previously identified by the Federal Reserve Board as "transitory", combined with overseas conflicts and leading to the rise in short-term interest rates and flattening or inversion of the yield curve, may be further indication of future economic contraction. As a result, management continues to believe that certain credit weakness are likely present in the overall economy and that it is appropriate to cautiously maintain a reserve level that incorporates such risk factors. Purchased loans and leases that reflect a more-than-insignificant deterioration of credit from origination are considered PCD. For PCD loans and leases, the initial estimate of expected credit losses is recognized in the ACL on the date of acquisition using the same methodology as other loans and leases held-for-investment. The following table provides a summary of loans and leases purchased as part of the VRB acquisition with credit deterioration at acquisition:
| As of March 25, 2022 |  |
(in thousands) | Commercial Real Estate |  | Consumer |  | Commercial and Industrial |  | Construction |  | Agriculture Production |  | Total
Par value | $ | 27,237 |  |  | $ | 3,877 |  |  | $ | 2,674 |  |  | $ | 25,645 |  |  | $ | 9,080 |  |  | $ | 68,513 |
ACL at acquisition | (1,573) |  |  | (144) |  |  | (81) |  |  | (201) |  |  | (38) |  |  | (2,037) |
Non-credit discount | (2,305) |  |  | (360) |  |  | (47) |  |  | (232) |  |  | (12) |  |  | (2,956) |
Purchase price | $ | 23,359 |  |  | $ | 3,373 |  |  | $ | 2,546 |  |  | $ | 25,212 |  |  | $ | 9,030 |  |  | $ | 63,520 |
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 – Year ended December 31, 2021
(in thousands) | Beginning Balance |  |  |  | Charge-offs |  | Recoveries |  | Provision (benefit) |  | Ending Balance
Commercial real estate: |  |  |  |  |  |  |  |  |  |  |
CRE non-owner occupied | $ | 29,380 |  |  |  |  | $ | — |  |  | $ | 12 |  |  | $ | (3,653) |  |  | $ | 25,739 |
CRE owner occupied | 10,861 |  |  |  |  | (18) |  |  | 794 |  |  | (946) |  |  | 10,691 |
Multifamily | 11,472 |  |  |  |  | — |  |  | — |  |  | 923 |  |  | 12,395 |
Farmland | 1,980 |  |  |  | (126) |  |  | — |  |  | 461 |  | 2,315 |
Total commercial real estate loans | 53,693 |  |  |  |  | (144) |  |  | 806 |  |  | (3,215) |  |  | 51,140 |
Consumer: |  |  |  |  |  |  |  |  |  |  |
SFR 1-4 1st DT liens | 10,117 |  |  |  |  | (145) |  |  | 13 |  |  | 738 |  |  | 10,723 |
SFR HELOCs and junior liens | 11,771 |  |  |  |  | (29) |  |  | 1,127 |  |  | (2,359) |  |  | 10,510 |
Other | 3,260 |  |  |  |  | (577) |  |  | 361 |  |  | (803) |  |  | 2,241 |
Total consumer loans | 25,148 |  |  |  |  | (751) |  |  | 1,501 |  |  | (2,424) |  |  | 23,474 |
Commercial and industrial | 4,252 |  |  |  |  | (1,470) |  |  | 755 |  |  | 325 |  |  | 3,862 |
Construction | 7,540 |  |  |  |  | (27) |  |  | — |  |  | (1,846) |  |  | 5,667 |
Agriculture production | 1,209 |  |  |  |  | — |  |  | 24 |  |  | (18) |  |  | 1,215 |
Leases | 5 |  |  |  |  | — |  |  | — |  |  | 13 |  |  | 18 |
Allowance for credit losses on loans | $ | 91,847 |  |  |  |  | $ | (2,392) |  |  | $ | 3,086 |  |  | $ | (7,165) |  |  | $ | 85,376 |
Reserve for unfunded commitments | 3,400 |  |  |  |  | — |  |  | — |  |  | 390 |  |  | 3,790 |
Total | $ | 95,247 |  |  |  |  | $ | (2,392) |  |  | $ | 3,086 |  |  | $ | (6,775) |  |  | $ | 89,166 |
| Allowance for credit losses – Three months ended June 30, 2021
(in thousands) | Beginning Balance |  | Charge-offs |  | Recoveries |  | Provision |  | Ending Balance
Commercial real estate: |  |  |  |  |  |  |  |  |
CRE non-owner occupied | $ | 26,434 |  |  | $ | — |  |  | $ | — |  |  | $ | (406) |  |  | $ | 26,028 |
CRE owner occupied | 9,874 |  |  | — |  |  | — |  |  | 589 |  |  | 10,463 |
Multifamily | 12,371 |  |  | — |  |  | — |  |  | 825 |  |  | 13,196 |
Farmland | 1,724 |  |  | — |  |  | — |  |  | 226 |  |  | 1,950 |
Total commercial real estate loans | 50,403 |  |  | — |  |  | — |  |  | 1,234 |  |  | 51,637 |
Consumer: |  |  |  |  |  |  |  |  |
SFR 1-4 1st DT liens | 10,665 |  |  | — |  |  | 1 |  |  | (37) |  |  | 10,629 |
SFR HELOCs and junior liens | 11,079 |  |  | — |  |  | 512 |  |  | (890) |  |  | 10,701 |
Other | 2,860 |  |  | (86) |  |  | 59 |  |  | (213) |  |  | 2,620 |
Total consumer loans | 24,604 |  |  | (86) |  |  | 572 |  |  | (1,140) |  |  | 23,950 |
Commercial and industrial | 4,464 |  |  | (301) |  |  | 79 |  |  | 269 |  |  | 4,511 |
Construction | 5,476 |  |  | — |  |  | — |  |  | (525) |  |  | 4,951 |
Agriculture production | 988 |  |  | — |  |  | 2 |  |  | 17 |  |  | 1,007 |
Leases | 6 |  |  | — |  |  | — |  |  | — |  |  | 6 |
Allowance for credit losses on loans | $ | 85,941 |  |  | $ | (387) |  |  | $ | 653 |  |  | $ | (145) |  |  | $ | 86,062 |
Reserve for unfunded commitments | 3,580 |  |  | — |  |  | — |  |  | (115) |  |  | 3,465 |
Total | $ | 89,521 |  |  | $ | (387) |  |  | $ | 653 |  |  | $ | (260) |  |  | $ | 89,527 |
| Allowance for credit losses – Six months ended June 30, 2021
(in thousands) | Beginning Balance |  |  |  | Charge-offs |  | Recoveries |  | Provision |  | Ending Balance
Commercial real estate: |  |  |  |  |  |  |  |  |  |  |
CRE non-owner occupied | $ | 29,380 |  |  |  |  | $ | — |  |  | $ | 2 |  |  | $ | (3,354) |  |  | $ | 26,028 |
CRE owner occupied | 10,861 |  |  |  |  | — |  |  | 1 |  |  | (399) |  |  | 10,463 |
Multifamily | 11,472 |  |  |  |  | — |  |  | — |  |  | 1,724 |  |  | 13,196 |
Farmland | 1,980 |  |  |  |  | — |  |  | — |  |  | (30) |  |  | 1,950 |
Total commercial real estate loans | 53,693 |  |  |  |  | — |  |  | 3 |  |  | (2,059) |  |  | 51,637 |
Consumer: |  |  |  |  |  |  |  |  |  |  |
SFR 1-4 1st DT liens | 10,117 |  |  |  |  | — |  |  | 11 |  |  | 501 |  |  | 10,629 |
SFR HELOCs and junior liens | 11,771 |  |  |  |  | — |  |  | 797 |  |  | (1,867) |  |  | 10,701 |
Other | 3,260 |  |  |  |  | (279) |  |  | 165 |  |  | (526) |  |  | 2,620 |
Total consumer loans | 25,148 |  |  |  |  | (279) |  |  | 973 |  |  | (1,892) |  |  | 23,950 |
Commercial and industrial | 4,252 |  |  |  |  | (334) |  |  | 215 |  |  | 378 |  |  | 4,511 |
Construction | 7,540 |  |  |  |  | — |  |  | — |  |  | (2,589) |  |  | 4,951 |
Agriculture production | 1,209 |  |  |  |  | — |  |  | 22 |  |  | (224) |  |  | 1,007 |
Leases | 5 |  |  |  |  | — |  |  | — |  |  | 1 |  |  | 6 |
Allowance for credit losses on loans | 91,847 |  |  |  |  | (613) |  |  | 1,213 |  |  | (6,385) |  |  | 86,062 |
Reserve for unfunded commitments | 3,400 |  |  |  |  | — |  |  | — |  |  | 65 |  |  | 3,465 |
Total | $ | 95,247 |  |  |  |  | $ | (613) |  |  | $ | 1,213 |  |  | $ | (6,320) |  |  | $ | 89,527 |
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 June 30, 2022 |  |  |  |  |  |
(in thousands) | 2022 |  | 2021 |  | 2020 |  | 2019 |  | 2018 |  | Prior |  | Revolving Loans Amortized Cost Basis |  | Revolving Loans Converted to Term |  | Total
Commercial real estate: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
CRE non-owner occupied risk ratings |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | $ | 246,267 |  |  | $ | 303,771 |  |  | $ | 143,028 |  |  | $ | 225,073 |  |  | $ | 156,816 |  |  | $ | 782,384 |  |  | $ | 96,689 |  |  | $ | — |  |  | $ | 1,954,028 |
Special Mention | — |  |  | — |  |  | — |  |  | 8,707 |  |  | 395 |  |  | 22,033 |  |  | 1,346 |  |  | — |  | 32,481 |
Substandard | — |  |  | 997 |  |  | 817 |  |  | — |  |  | 1,074 |  |  | 4,451 |  |  | — |  |  | — |  | 7,339 |
Doubtful/Loss | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Total CRE non-owner occupied risk ratings | $ | 246,267 |  |  | $ | 304,768 |  |  | $ | 143,845 |  |  | $ | 233,780 |  |  | $ | 158,285 |  |  | $ | 808,868 |  |  | $ | 98,035 |  |  | $ | — |  |  | $ | 1,993,848 |
Commercial real estate: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
CRE owner occupied risk ratings |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | $ | 148,623 |  |  | $ | 193,911 |  |  | $ | 130,357 |  |  | $ | 70,285 |  |  | $ | 50,755 |  |  | $ | 274,723 |  |  | $ | 35,255 |  |  | $ | — |  |  | $ | 903,909 |
Special Mention | — |  |  | 14,344 |  |  | 238 |  |  | — |  |  | 289 |  |  | 7,568 |  |  | — |  |  | — |  |  | 22,439 |
Substandard | — |  |  | 726 |  |  | — |  |  | — |  |  | 1,167 |  |  | 4,357 |  |  | 991 |  |  | — |  |  | 7,241 |
Doubtful/Loss | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Total CRE owner occupied risk ratings | $ | 148,623 |  |  | $ | 208,981 |  |  | $ | 130,595 |  |  | $ | 70,285 |  |  | $ | 52,211 |  |  | $ | 286,648 |  |  | $ | 36,246 |  |  | $ | — |  |  | $ | 933,589 |
Commercial real estate: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Multifamily risk ratings |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | $ | 80,607 |  |  | $ | 285,352 |  |  | $ | 98,519 |  |  | $ | 71,369 |  |  | $ | 107,010 |  |  | $ | 197,381 |  |  | $ | 29,592 |  |  | $ | — |  |  | $ | 869,830 |
Special Mention | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Substandard | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 140 |  |  | — |  |  | — |  |  | 140 |
Doubtful/Loss | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Total multifamily loans | $ | 80,607 |  |  | $ | 285,352 |  |  | $ | 98,519 |  |  | $ | 71,369 |  |  | $ | 107,010 |  |  | $ | 197,521 |  |  | $ | 29,592 |  |  | $ | — |  |  | $ | 869,970 |
Commercial real estate: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Farmland risk ratings |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | $ | 17,196 |  |  | $ | 54,856 |  |  | $ | 18,882 |  |  | $ | 23,927 |  |  | $ | 14,421 |  |  | $ | 43,218 |  |  | $ | 51,535 |  |  | $ | — |  |  | $ | 224,035 |
Special Mention | — |  |  | — |  |  | — |  |  | — |  |  | 1,278 |  |  | 879 |  |  | 13,911 |  |  | — |  |  | 16,068 |
Substandard | — |  |  | — |  |  | 335 |  |  | 1,869 |  |  | 1,901 |  |  | 7,915 |  |  | 363 |  |  | — |  |  | 12,383 |
Doubtful/Loss | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Total farmland loans | $ | 17,196 |  |  | $ | 54,856 |  |  | $ | 19,217 |  |  | $ | 25,796 |  |  | $ | 17,600 |  |  | $ | 52,012 |  |  | $ | 65,809 |  |  | $ | — |  |  | $ | 252,486 |
Consumer loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
SFR 1-4 1st DT liens risk ratings |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | $ | 87,716 |  |  | $ | 274,083 |  |  | $ | 141,996 |  |  | $ | 37,081 |  |  | $ | 31,437 |  |  | $ | 127,661 |  |  | $ | — |  |  | $ | 3,414 |  |  | $ | 703,388 |
Special Mention | — |  | — |  | — |  | 284 |  | 3,316 |  | 4,954 |  | — |  | 420 |  | 8,974
Substandard | — |  | 296 |  | — |  | — |  | 1,050 |  | 4,510 |  | — |  | 472 |  | 6,328
Doubtful/Loss | — |  | — |  | — |  | — |  | — |  | — |  | — |  | — |  | —
Total SFR 1st DT liens | $ | 87,716 |  |  | $ | 274,379 |  |  | $ | 141,996 |  |  | $ | 37,365 |  |  | $ | 35,803 |  |  | $ | 137,125 |  |  | $ | — |  |  | $ | 4,306 |  |  | $ | 718,690 |
| Term Loans Amortized Cost Basis by Origination Year – As of June 30, 2022 |  |  |  |  |  |
(in thousands) | 2022 |  | 2021 |  | 2020 |  | 2019 |  | 2018 |  | Prior |  | Revolving Loans Amortized Cost Basis |  | Revolving Loans Converted to Term |  | Total
Consumer loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
SFR HELOCs and Junior Liens |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | $ | 424 |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | 156 |  |  | $ | 367,648 |  |  | $ | 8,860 |  |  | $ | 377,088 |
Special Mention | — |  | — |  | — |  | — |  | — |  | 50 |  | 2,730 |  | 264 |  | 3,044
Substandard | — |  | — |  | — |  | — |  | — |  | — |  | 3,791 |  | 890 |  | 4,681
Doubtful/Loss | — |  | — |  | — |  | — |  | — |  | — |  | — |  | — |  | —
Total SFR HELOCs and Junior Liens | $ | 424 |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | 206 |  |  | $ | 374,169 |  |  | $ | 10,014 |  |  | $ | 384,813 |
Consumer loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Other risk ratings |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | $ | 7,929 |  |  | $ | 15,101 |  |  | $ | 12,241 |  |  | $ | 13,438 |  |  | $ | 6,472 |  |  | $ | 2,452 |  |  | $ | 834 |  |  | $ | — |  |  | $ | 58,467 |
Special Mention | — |  |  | — |  |  | 99 |  |  | 155 |  |  | 191 |  |  | 161 |  |  | 66 |  |  | — |  |  | 672 |
Substandard | 1 |  |  | — |  |  | 53 |  |  | 87 |  |  | 90 |  |  | 87 |  |  | 29 |  |  | — |  |  | 347 |
Doubtful/Loss | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Total other consumer loans | $ | 7,930 |  |  | $ | 15,101 |  |  | $ | 12,393 |  |  | $ | 13,680 |  |  | $ | 6,753 |  |  | $ | 2,700 |  |  | $ | 929 |  |  | $ | — |  |  | $ | 59,486 |
Commercial and industrial loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial and industrial risk ratings |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | $ | 111,414 |  |  | $ | 88,509 |  |  | $ | 32,281 |  |  | $ | 29,168 |  |  | $ | 9,402 |  |  | $ | 13,044 |  |  | $ | 218,448 |  |  | $ | 1,002 |  |  | $ | 503,268 |
Special Mention | — |  | 95 |  | 24 |  | 1,770 |  | 100 |  | 53 |  | 193 |  | — |  | 2,235 |
Substandard | — |  | — |  | — |  | 145 |  | 35 |  | 1,140 |  | 733 |  | 129 |  | 2,182 |
Doubtful/Loss | — |  | — |  | — |  | — |  | — |  | — |  | — |  | — |  | — |
Total commercial and industrial loans | $ | 111,414 |  |  | $ | 88,604 |  |  | $ | 32,305 |  |  | $ | 31,083 |  |  | $ | 9,537 |  |  | $ | 14,237 |  |  | $ | 219,374 |  |  | $ | 1,131 |  |  | $ | 507,685 |
Construction loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Construction risk ratings |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | $ | 24,931 |  |  | $ | 85,165 |  |  | $ | 105,793 |  |  | $ | 77,674 |  |  | $ | 3,028 |  |  | $ | 5,333 |  |  | $ | — |  |  | $ | — |  |  | $ | 301,924 |
Special Mention | — |  |  | — |  |  | — |  |  | 11,504 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 11,504 |
Substandard | — |  |  | — |  | — |  |  | 85 |  |  | — |  |  | 133 |  |  | — |  |  | — |  |  | 218 |
Doubtful/Loss | — |  | — |  | — |  | — |  | — |  | — |  | — |  | — |  |  | — |
Total construction loans | $ | 24,931 |  |  | $ | 85,165 |  |  | $ | 105,793 |  |  | $ | 89,263 |  |  | $ | 3,028 |  |  | $ | 5,466 |  |  | $ | — |  |  | $ | — |  |  | $ | 313,646 |
Agriculture production loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Agriculture production risk ratings |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | $ | 304 |  |  | $ | 2,759 |  |  | $ | 1,509 |  |  | $ | 1,642 |  |  | $ | 3,158 |  |  | $ | 1,300 |  |  | $ | 46,337 |  |  | $ | — |  |  | $ | 57,009 |
Special Mention | — |  |  | — |  |  | 1,804 |  |  | — |  |  | 123 |  |  | 35 |  |  | 6,440 |  |  | — |  |  | 8,402 |
Substandard | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 5,962 |  |  | — |  |  | 5,962 |
Doubtful/Loss | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Total agriculture production loans | $ | 304 |  |  | $ | 2,759 |  |  | $ | 3,313 |  |  | $ | 1,642 |  |  | $ | 3,281 |  |  | $ | 1,335 |  |  | $ | 58,739 |  |  | $ | — |  |  | $ | 71,373 |
| Term Loans Amortized Cost Basis by Origination Year – As of June 30, 2022 |  |  |  |  |  |
(in thousands) | 2022 |  | 2021 |  | 2020 |  | 2019 |  | 2018 |  | Prior |  | Revolving Loans Amortized Cost Basis |  | Revolving Loans Converted to Term |  | Total
Leases: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Lease risk ratings |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | $ | 7,835 |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $7,835
Special Mention | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Substandard | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Doubtful/Loss | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  | — |
Total leases | $ | 7,835 |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | 7,835 |
Total loans outstanding: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Risk ratings |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | $ | 733,246 |  |  | $ | 1,303,507 |  |  | $ | 684,606 |  |  | $ | 549,657 |  |  | $ | 382,499 |  |  | $ | 1,447,652 |  |  | $ | 846,338 |  |  | $ | 13,276 |  |  | $ | 5,960,781 |
Special Mention | — |  |  | 14,439 |  |  | 2,165 |  |  | 22,420 |  |  | 5,692 |  |  | 35,733 |  |  | 24,686 |  |  | 684 |  |  | 105,819 |
Substandard | 1 |  |  | 2,019 |  |  | 1,205 |  |  | 2,186 |  |  | 5,317 |  |  | 22,733 |  |  | 11,869 |  |  | 1,491 |  |  | 46,821 |
Doubtful/Loss | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Total loans outstanding | $ | 733,247 |  |  | $ | 1,319,965 |  |  | $ | 687,976 |  |  | $ | 574,263 |  |  | $ | 393,508 |  |  | $ | 1,506,118 |  |  | $ | 882,893 |  |  | $ | 15,451 |  |  | $ | 6,113,421 |
| Term Loans Amortized Cost Basis by Origination Year – As of December 31, 2021 |  |  |  |  |  |
(in thousands) | 2021 |  | 2020 |  | 2019 |  | 2018 |  | 2016 |  | Prior |  | Revolving Loans Amortized Cost Basis |  | Revolving Loans Converted to Term |  | Total
Commercial real estate: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
CRE non-owner occupied risk ratings |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | $ | 275,305 |  |  | $ | 127,299 |  |  | $ | 199,764 |  |  | $ | 133,046 |  |  | $ | 224,581 |  |  | $ | 543,430 |  |  | $ | 49,899 |  |  | $ | — |  |  | $ | 1,553,324 |
Special Mention | — |  |  | — |  |  | 8,386 |  |  | 399 |  |  | 4,390 |  |  | 20,612 |  |  | 1,732 |  |  | — |  |  | 35,519 |
Substandard | — |  |  | — |  |  | — |  |  | 1,382 |  |  | 739 |  |  | 12,177 |  |  | — |  |  | — |  |  | 14,298
Doubtful/Loss | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Total CRE non-owner occupied risk ratings | $ | 275,305 |  |  | $ | 127,299 |  |  | $ | 208,150 |  |  | $ | 134,827 |  |  | $ | 229,710 |  |  | $ | 576,219 |  |  | $ | 51,631 |  |  | $ | — |  |  | $ | 1,603,141 |
Commercial real estate: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
CRE owner occupied risk ratings |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | $ | 178,092 |  |  | $ | 104,571 |  |  | $ | 63,979 |  |  | $ | 48,721 |  |  | $ | 55,399 |  |  | $ | 203,431 |  |  | $ | 22,745 |  |  | $ | — |  |  | $ | 676,938 |
Special Mention | 15,515 |  |  | — |  |  | — |  |  | 289 |  |  | 2,964 |  |  | 3,833 |  |  | — |  |  | — |  |  | 22,601 |
Substandard | — |  |  | — |  |  | 858 |  |  | 1,214 |  |  | 455 |  |  | 4,241 |  |  | — |  |  | — |  |  | 6,768 |
Doubtful/Loss | — |  | — |  | — |  | — |  | — |  | — |  | — |  | — |  | — |
Total CRE owner occupied risk ratings | $ | 193,607 |  |  | $ | 104,571 |  |  | $ | 64,837 |  |  | $ | 50,224 |  |  | $ | 58,818 |  |  | $ | 211,505 |  |  | $ | 22,745 |  |  | $ | — |  |  | $ | 706,307 |
Commercial real estate: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Multifamily risk ratings |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | $ | 278,942 |  |  | $ | 100,752 |  |  | $ | 71,822 |  |  | $ | 109,374 |  |  | $ | 85,932 |  |  | $ | 146,984 |  |  | $ | 25,236 |  |  | $ | — |  |  | $ | 819,042 |
Special Mention | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Substandard | — |  |  | — |  |  | 4,305 |  |  | — |  |  | — |  |  | 153 |  |  | — |  |  | — |  |  | 4,458 |
Doubtful/Loss | — |  | — |  | — |  | — |  | — |  | — |  | — |  | — |  | — |
Total multifamily loans | $ | 278,942 |  |  | $ | 100,752 |  |  | $ | 76,127 |  |  | $ | 109,374 |  |  | $ | 85,932 |  |  | $ | 147,137 |  |  | $ | 25,236 |  |  | $ | — |  |  | $ | 823,500 |
| Term Loans Amortized Cost Basis by Origination Year – As of December 31, 2021 |  |  |  |  |  |
(in thousands) | 2021 |  | 2020 |  | 2019 |  | 2018 |  | 2017 |  | Prior |  | Revolving Loans Amortized Cost Basis |  | Revolving Loans Converted to Term |  | Total
Commercial real estate: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Farmland risk ratings |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | $ | 43,601 |  |  | $ | 17,399 |  |  | $ | 20,223 |  |  | $ | 15,119 |  |  | $ | 9,129 |  |  | $ | 18,455 |  |  | $ | 37,612 |  |  | $ | — |  |  | $ | 161,538 |
Special Mention | — |  | — |  | — |  | — |  | 1,197 |  | 2,519 |  | 1,491 |  | — |  | 5,207 |
Substandard | — |  | — |  | 2,895 |  | — |  | 578 |  | 1,371 |  | 1,517 |  | — |  | 6,361 |
Doubtful/Loss | — |  | — |  | — |  | — |  | — |  | — |  | — |  | — |  | — |
Total farmland loans | $ | 43,601 |  |  | $ | 17,399 |  |  | $ | 23,118 |  |  | $ | 15,119 |  |  | $ | 10,904 |  |  | $ | 22,345 |  |  | $ | 40,620 |  |  | $ | — |  |  | $ | 173,106 |
Consumer loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
SFR 1-4 1st DT liens risk ratings |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | $ | 268,743 |  |  | $ | 159,860 |  |  | $ | 40,661 |  |  | $ | 30,880 |  |  | $ | 36,197 |  |  | $ | 113,519 |  |  | $ | — |  |  | $ | 3,527 |  |  | $ | 653,387 |
Special Mention | — |  |  | — |  |  | 286 |  |  | 3,282 |  |  | 416 |  |  | 1,476 |  |  | — |  |  | 383 |  |  | 5,843 |
Substandard | 1,103 |  |  | — |  |  | — |  |  | 1,089 |  |  | 256 |  |  | 4,758 |  |  | — |  |  | 524 |  |  | 7,730 |
Doubtful/Loss | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Total SFR 1st DT liens | $ | 269,846 |  |  | $ | 159,860 |  |  | $ | 40,947 |  |  | $ | 35,251 |  |  | $ | 36,869 |  |  | $ | 119,753 |  |  | $ | — |  |  | $ | 4,434 |  |  | $ | 666,960 |
Consumer loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
SFR HELOCs and Junior Liens |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | $ | 494 |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | 185 |  |  | $ | 317,381 |  |  | $ | 9,675 |  |  | $ | 327,735 |
Special Mention | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 53 |  |  | 3,655 |  |  | 832 |  |  | 4,540 |
Substandard | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 2 |  |  | 4,164 |  |  | 1,072 |  |  | 5,238 |
Doubtful/Loss | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Total SFR HELOCs and Junior Liens | $ | 494 |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | 240 |  |  | $ | 325,200 |  |  | $ | 11,579 |  |  | $ | 337,513 |
Consumer loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Other risk ratings |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | $ | 20,920 |  |  | $ | 15,939 |  |  | $ | 17,316 |  |  | $ | 8,016 |  |  | $ | 2,137 |  |  | $ | 1,079 |  |  | $ | 612 |  |  | $ | — |  |  | $ | 66,019 |
Special Mention | — |  |  | 46 |  |  | 157 |  |  | 233 |  |  | 98 |  |  | 51 |  |  | 69 |  |  | — |  |  | 654 |
Substandard | — |  |  | 53 |  |  | 96 |  |  | 94 |  |  | 67 |  |  | 85 |  |  | 10 |  |  | — |  |  | 405 |
Doubtful/Loss | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Total other consumer loans | $ | 20,920 |  |  | $ | 16,038 |  |  | $ | 17,569 |  |  | $ | 8,343 |  |  | $ | 2,302 |  |  | $ | 1,215 |  |  | $ | 691 |  |  | $ | — |  |  | $ | 67,078 |
Commercial and industrial loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial and industrial risk ratings |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | $ | 92,972 |  |  | $ | 17,933 |  |  | $ | 27,335 |  |  | $ | 11,335 |  |  | $ | 6,355 |  |  | $ | 6,774 |  |  | $ | 89,358 |  |  | $ | 860 |  |  | $ | 252,922 |
Special Mention | — |  |  | 2,417 |  |  | 69 |  |  | 152 |  |  | 71 |  |  | 80 |  |  | 116 |  |  | — |  |  | 2,905 |
Substandard | — |  |  | — |  |  | 146 |  |  | 152 |  |  | 804 |  |  | 414 |  |  | 1,832 |  |  | 180 |  |  | 3,528 |
Doubtful/Loss | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Total commercial and industrial loans | $ | 92,972 |  |  | $ | 20,350 |  |  | $ | 27,550 |  |  | $ | 11,639 |  |  | $ | 7,230 |  |  | $ | 7,268 |  |  | $ | 91,306 |  |  | $ | 1,040 |  |  | $ | 259,355 |
| Term Loans Amortized Cost Basis by Origination Year – As of December 31, 2021 |  |  |  |  |  |
(in thousands) | 2021 |  | 2020 |  | 2019 |  | 2018 |  | 2017 |  | Prior |  | Revolving Loans Amortized Cost Basis |  | Revolving Loans Converted to Term |  | Total
Construction loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Construction risk ratings |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | $ | 66,318 |  |  | $ | 79,567 |  |  | $ | 58,383 |  |  | $ | 4,849 |  |  | $ | 1,716 |  |  | $ | 8,148 |  |  | $ | — |  |  | $ | — |  |  | $ | 218,981 |
Special Mention | — |  |  | — |  | — |  | — |  | — |  | — |  | — |  |  | — |  |  | — |
Substandard | 2,675 |  |  | 472 |  | — |  | — |  | — |  | 153 |  | — |  |  | — |  |  | 3,300 |
Doubtful/Loss | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Total construction loans | $ | 68,993 |  |  | $ | 80,039 |  |  | $ | 58,383 |  |  | $ | 4,849 |  |  | $ | 1,716 |  |  | $ | 8,301 |  |  | $ | — |  |  | $ | — |  |  | $ | 222,281 |
Agriculture production loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Agriculture production risk ratings |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | $ | 2,068 |  |  | $ | 878 |  |  | $ | 1,393 |  |  | $ | 801 |  |  | $ | 940 |  |  | $ | 853 |  |  | $ | 43,686 |  |  | $ | — |  |  | $ | 50,619 |
Special Mention | — |  |  | — |  |  | — |  |  | 150 |  |  | — |  |  | 42 |  |  | — |  |  | — |  |  | 192 |
Substandard | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Doubtful/Loss | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Total agriculture production loans | $ | 2,068 |  |  | $ | 878 |  |  | $ | 1,393 |  |  | $ | 951 |  |  | $ | 940 |  |  | $ | 895 |  |  | $ | 43,686 |  |  | $ | — |  |  | $ | 50,811 |
Leases: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Lease risk ratings |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | $ | 6,572 |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | 6,572 |
Special Mention | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Substandard | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Doubtful/Loss | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Total leases | $ | 6,572 |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | 6,572 |
Total loans outstanding: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Risk ratings |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | $ | 1,234,027 |  |  | $ | 624,198 |  |  | $ | 500,876 |  |  | $ | 362,141 |  |  | $ | 422,386 |  |  | $ | 1,042,858 |  |  | $ | 586,529 |  |  | $ | 14,062 |  |  | $ | 4,787,077 |
Special Mention | 15,515 |  |  | 2,463 |  |  | 8,898 |  |  | 4,505 |  |  | 9,136 |  |  | 28,666 |  |  | 7,063 |  |  | 1,215 |  |  | 77,461 |
Substandard | 3,778 |  |  | 525 |  |  | 8,300 |  |  | 3,931 |  |  | 2,899 |  |  | 23,354 |  |  | 7,523 |  |  | 1,776 |  |  | 52,086 |
Doubtful/Loss | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Total loans outstanding | $ | 1,253,320 |  |  | $ | 627,186 |  |  | $ | 518,074 |  |  | $ | 370,577 |  |  | $ | 434,421 |  |  | $ | 1,094,878 |  |  | $ | 601,115 |  |  | $ | 17,053 |  |  | $ | 4,916,624 |
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 June 30, 2022
(in thousands) | 30-59 days |  | 60-89 days |  | > 90 days |  | Total Past Due Loans |  | Current |  | Total
Commercial real estate: |  |  |  |  |  |  |  |  |  |  |
CRE non-owner occupied | $ | — |  |  | $ | — |  |  | $ | 1,222 |  |  | $ | 1,222 |  |  | $ | 1,992,626 |  |  | $ | 1,993,848 |
CRE owner occupied | 75 |  |  | 111 |  |  | 273 |  |  | 459 |  |  | 933,130 |  |  | 933,589 |
Multifamily | — |  |  | — |  |  | — |  |  | — |  |  | 869,970 |  |  | 869,970 |
Farmland | 335 |  |  | — |  |  | — |  |  | 335 |  |  | 252,151 |  |  | 252,486 |
Total commercial real estate loans | 410 |  |  | 111 |  |  | 1,495 |  |  | 2,016 |  |  | 4,047,877 |  |  | 4,049,893 |
Consumer: |  |  |  |  |  |  |  |  |  |  |
SFR 1-4 1st DT liens | 76 |  |  | 387 |  |  | 291 |  |  | 754 |  |  | 717,936 |  |  | 718,690 |
SFR HELOCs and junior liens | 858 |  |  | 396 |  |  | 915 |  |  | 2,169 |  |  | 382,644 |  |  | 384,813 |
Other | 194 |  |  | 39 |  |  | 86 |  |  | 319 |  |  | 59,167 |  |  | 59,486 |
Total consumer loans | 1,128 |  |  | 822 |  |  | 1,292 |  |  | 3,242 |  |  | 1,159,747 |  |  | 1,162,989 |
Commercial and industrial | 58 |  |  | 282 |  |  | 150 |  |  | 490 |  |  | 507,195 |  |  | 507,685 |
Construction | — |  |  | 84 |  |  | — |  |  | 84 |  |  | 313,562 |  |  | 313,646 |
Agriculture production | 88 |  |  | — |  |  | — |  |  | 88 |  |  | 71,285 |  |  | 71,373 |
Leases | — |  |  | — |  |  | — |  |  | — |  |  | 7,835 |  |  | 7,835 |
Total | $ | 1,684 |  |  | $ | 1,299 |  |  | $ | 2,937 |  |  | $ | 5,920 |  |  | $ | 6,107,501 |  |  | $ | 6,113,421 |
| Analysis of Past Due Loans - As of December 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 | $ | 226 |  |  | $ | 37 |  |  | $ | — |  |  | $ | 263 |  |  | $ | 1,602,878 |  |  | $ | 1,603,141 |
CRE owner occupied | 271 |  |  | 127 |  |  | 273 |  |  | 671 |  |  | 705,636 |  |  | 706,307 |
Multifamily | — |  |  | — |  |  | — |  |  | — |  |  | 823,500 |  |  | 823,500 |
Farmland | — |  |  | — |  |  | 575 |  |  | 575 |  | 172,531 |  | 173,106
Total commercial real estate loans | 497 |  |  | 164 |  |  | 848 |  |  | 1,509 |  |  | 3,304,545 |  |  | 3,306,054 |
Consumer: |  |  |  |  |  |  |  |  |  |  |
SFR 1-4 1st DT liens | — |  |  | 13 |  |  | 362 |  |  | 375 |  |  | 666,585 |  |  | 666,960 |
SFR HELOCs and junior liens | 36 |  |  | 361 |  |  | 1,212 |  |  | 1,609 |  |  | 335,904 |  |  | 337,513 |
Other | 109 |  |  | 7 |  |  | 28 |  |  | 144 |  |  | 66,934 |  |  | 67,078 |
Total consumer loans | 145 |  | 381 |  | 1,602 |  | 2,128 |  | 1,069,423 |  | 1,071,551
Commercial and industrial | 146 |  |  | 245 |  |  | 166 |  |  | 557 |  |  | 258,798 |  |  | 259,355 |
Construction | — |  |  | 90 |  |  | — |  |  | 90 |  |  | 222,191 |  |  | 222,281 |
Agriculture production | 48 |  |  | — |  |  | — |  |  | 48 |  |  | 50,763 |  |  | 50,811 |
Leases | — |  |  | — |  |  | — |  |  | — |  |  | 6,572 |  |  | 6,572 |
Total | $ | 836 |  |  | $ | 880 |  |  | $ | 2,616 |  |  | $ | 4,332 |  |  | $ | 4,912,292 |  |  | $ | 4,916,624 |
The following table shows the ending balance of non accrual loans by loan category as of the date indicated:
| Non Accrual Loans
| As of June 30, 2022 |  | As of December 31, 2021
(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 | $ | 2,161 |  |  | $ | 2,161 |  |  | $ | — |  |  | $ | 7,899 |  |  | $ | 7,899 |  |  | $ | — |
CRE owner occupied | 1,441 |  |  | 1,441 |  |  | — |  |  | 4,763 |  |  | 5,036 |  |  | — |
Multifamily | 140 |  |  | 140 |  |  | — |  |  | 4,457 |  |  | 4,457 |  |  | — |
Farmland | 363 |  |  | 363 |  |  | — |  |  | 452 |  |  | 3,020 |  |  | — |
Total commercial real estate loans | 4,105 |  |  | 4,105 |  |  | — |  |  | 17,571 |  |  | 20,412 |  |  | — |
Consumer: |  |  |  |  |  |  |  |  |  |  |
SFR 1-4 1st DT liens | 3,323 |  |  | 3,323 |  |  | — |  |  | 3,594 |  |  | 3,595 |  |  | — |
SFR HELOCs and junior liens | 2,879 |  |  | 3,315 |  |  | — |  |  | 3,285 |  |  | 3,801 |  |  | — |
Other | 30 |  |  | 108 |  |  | — |  |  | 48 |  |  | 71 |  |  | — |
Total consumer loans | 6,232 |  |  | 6,746 |  |  | — |  |  | 6,927 |  |  | 7,467 |  |  | — |
Commercial and industrial | 539 |  |  | 954 |  |  | — |  |  | 1,904 |  |  | 2,416 |  |  | — |
Construction | 120 |  |  | 120 |  |  | — |  |  | 15 |  |  | 55 |  |  | — |
Agriculture production | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Leases | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Sub-total | 10,996 |  | 11,925 |  | — |  | 26,417 |  | 30,350 |  | —
Less: Guaranteed loans | (115) |  |  | — |  |  | — |  |  | (713) |  |  | (775) |  |  |
Total, net | $ | 10,881 |  |  | $ | 11,925 |  |  | $ | — |  |  | $ | 25,704 |  |  | $ | 29,575 |  |  | $ | — |
Interest income on non accrual loans that would have been recognized during the three months ended June 30, 2022 and 2021, if all such loans had been current in accordance with their original terms, totaled $237,000 and $524,000, respectively. Interest income actually recognized on these originated loans during the three months ended June 30, 2022 and 2021 was $6,000 and $159,000, respectively. Interest income on non accrual loans that would have been recognized during the six months ended June 30, 2022 and 2021, if all such loans had been current in accordance with their original terms, totaled $404,000 and $1,060,000, respectively. Interest income actually recognized on these originated loans during the six months ended June 30, 2022 and 2021 was $13,000 and $176,000, respectively. The following tables present the amortized cost basis of collateral dependent loans by class of loans as of the following periods:
| As of June 30, 2022
(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 | $ | 1,060 |  |  | $ | 104 |  |  | $ | — |  |  | $ | 997 |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | 2,161 |
CRE owner occupied | 273 |  |  | — |  |  | 1,168 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 1,441 |
Multifamily | — |  |  | — |  |  | — |  |  | — |  |  | 140 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 140 |
Farmland | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 363 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 363 |
Total commercial real estate loans | 1,333 |  |  | 104 |  |  | 1,168 |  |  | 997 |  |  | 140 |  |  | 363 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 4,105 |
Consumer: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
SFR 1-4 1st DT liens | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 3,323 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 3,323 |
SFR HELOCs and junior liens | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 1,433 |  |  | 1,337 |  |  | — |  |  | — |  |  | — |  |  | 2,770 |
Other | — |  |  | — |  |  | — |  |  | 27 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 56 |  |  | — |  |  | 16 |  |  | 99 |
Total consumer loans | — |  |  | — |  |  | — |  |  | 27 |  |  | — |  |  | — |  |  | 4,756 |  |  | 1,337 |  |  | 56 |  |  | — |  |  | 16 |  |  | 6,192 |
Commercial and industrial | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 838 |  |  | 93 |  |  | 931 |
Construction | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 122 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 122 |
Agriculture production | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Leases | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Total | $ | 1,333 |  |  | $ | 104 |  |  | $ | 1,168 |  |  | $ | 1,024 |  |  | $ | 140 |  |  | $ | 363 |  |  | $ | 4,878 |  |  | $ | 1,337 |  |  | $ | 56 |  |  | $ | 838 |  |  | $ | 109 |  |  | $ | 11,350 |
| As of December 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 | $ | 2,591 |  |  | $ | 1,253 |  |  | $ | 1,545 |  |  | $ | 7,272 |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | 12,661 |
CRE owner occupied | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Multifamily | — |  |  | — |  |  | — |  |  | — |  |  | 4,458 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 4,458 |
Farmland | — |  |  | — |  |  | — |  |  | — |  |  | — |  | — | 1,027 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 1,027 |
Total commercial real estate loans | 2,591 |  |  | 1,253 |  |  | 1,545 |  |  | 7,272 |  |  | 4,458 |  |  | 1,027 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 18,146 |
Consumer: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
SFR 1-4 1st DT liens | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 3,589 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 3,589 |
SFR HELOCs and junior liens | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 1,649 |  |  | 1,636 |  |  | — |  |  | — |  |  | — |  |  | 3,285 |
Other | — |  |  | — |  |  | — |  |  | 43 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 5 |  |  | — |  |  | 5 |  |  | 53 |
Total consumer loans | — |  |  | — |  |  | — |  |  | 43 |  |  | — |  |  | — |  |  | 5,238 |  |  | 1,636 |  |  | 5 |  |  | — |  |  | 5 |  |  | 6,927 |
Commercial and industrial | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 2,162 |  |  | 112 |  |  | 2,274 |
Construction | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 15 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 15 |
Agriculture production | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Leases | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Total | $ | 2,591 |  |  | $ | 1,253 |  |  | $ | 1,545 |  |  | $ | 7,315 |  |  | $ | 4,458 |  |  | $ | 1,027 |  |  | $ | 5,253 |  |  | $ | 1,636 |  |  | $ | 5 |  |  | $ | 2,162 |  |  | $ | 117 |  |  | $ | 27,362 |
The following tables show certain information regarding TDRs that occurred during the periods indicated:
| TDR information for the three months ended June 30, 2022
(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 | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | — |  |  | $ | — |  |  | $ | — |
CRE owner occupied | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Multifamily | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Farmland | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Total commercial real estate loans | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Consumer: |  |  |  |  |  |  |  |  |  |  |  |  |
SFR 1-4 1st DT liens | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
SFR HELOCs and junior liens | — |  |  | — |  |  | — |  |  | — |  |  | 2 |  |  | 146 |  |  | — |
Other | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Total consumer loans | — |  |  | — |  |  | — |  |  | — |  |  | 2 |  |  | 146 |  |  | — |
Commercial and industrial | — |  |  | — |  |  | — |  |  | — |  |  | 1 |  |  | 22 |  |  | — |
Construction | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Agriculture production | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Leases | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Total | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | 3 |  |  | $ | 168 |  |  | $ | — |
| TDR information for the three months ended June 30, 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 |  |  | $ | 706 |  |  | $ | 706 |  |  | $ | 706 |  |  | — |  |  | $ | — |  |  | $ | — |
CRE owner occupied | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Multifamily | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Farmland | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Total commercial real estate loans | 1 |  |  | 706 |  |  | 706 |  |  | 706 |  |  | — |  |  | — |  |  | — |
Consumer: |  |  |  |  |  |  |  |  |  |  |  |  |
SFR 1-4 1st DT liens | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
SFR HELOCs and junior liens | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Other | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Total consumer loans | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Commercial and industrial | 2 |  |  | 2,000 |  |  | 2,000 |  |  | 293 |  |  | — |  |  | — |  |  | — |
Construction | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Agriculture production | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Leases | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Total | 3 |  |  | $ | 2,706 |  |  | $ | 2,706 |  |  | $ | 999 |  |  | — |  |  | $ | — |  |  | $ | — |
| TDR Information for the six months ended June 30, 2022
(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 | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | — |  |  | $ | — |  |  | $ | — |
CRE owner occupied | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Multifamily | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Farmland | 3 |  |  | 1,228 |  |  | 1,440 |  |  | — |  |  | — |  |  | — |  |  | — |
Total commercial real estate loans | 3 |  |  | 1,228 |  |  | 1,440 |  |  | — |  |  | — |  |  | — |  |  | — |
Consumer: |  |  |  |  |  |  |  |  |  |  |  |  |
SFR 1-4 1st DT liens | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
SFR HELOCs and junior liens | — |  |  | — |  |  | — |  |  | — |  |  | 3 |  |  | 231 |  |  | — |
Other | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Total consumer loans | — |  |  | — |  |  | — |  |  | — |  |  | 3 |  |  | 231 |  |  | — |
Commercial and industrial | — |  |  | — |  |  | — |  |  | — |  |  | 1 |  |  | 22 |  |  | — |
Construction | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Agriculture production | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Leases | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Total | 3 |  |  | $ | 1,228 |  |  | $ | 1,440 |  |  | $ | — |  |  | 4 |  |  | $ | 253 |  |  | $ | — |
| TDR Information for the six months ended June 30, 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 | 2 |  |  | $ | 1,023 |  |  | $ | 1,018 |  |  | $ | 1,020 |  |  | — |  |  | $ | — |  |  | $ | — |
CRE owner occupied | 1 |  |  | 740 |  |  | 742 |  |  | 742 |  |  | — |  |  | — |  |  | — |
Multifamily | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Farmland | — |  |  | — |  |  | — |  |  | — |  |  | 3 |  |  | 847 |  |  | — |
Total commercial real estate loans | 3 |  |  | 1,763 |  |  | 1,760 |  |  | 1,762 |  |  | 3 |  |  | 847 |  |  | — |
Consumer: |  |  |  |  |  |  |  |  |  |  |  |  |
SFR 1-4 1st DT liens | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
SFR HELOCs and junior liens | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Other | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Total consumer loans | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Commercial and industrial | 5 |  |  | 2,316 |  |  | 2,310 |  |  | 603 |  |  | 1 |  |  | 247 |  |  | — |
Construction | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Agriculture production | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Leases | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Total | 8 |  |  | $ | 4,079 |  |  | $ | 4,070 |  |  | $ | 2,365 |  |  | 4 |  |  | $ | 1,094 |  |  | $ | — |
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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- Definition The entire disclosure for allowance for credit losses. + References Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef -Publisher FASB -Name Accounting Standards Codification -Topic 310 -URI http://asc.fasb.org/topic&trid=2196771 + Details
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