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Allowance for Credit Losses | 12 Months Ended
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Dec. 31, 2022
Allowance For Loan And Lease Losses [Abstract] |
Allowance for Credit Losses | Allowance for Credit Losses The ACL was $105,680,000 as of December 31, 2022 as compared to $85,376,000 at December 31, 2021. The provision for credit losses on loans of $17,945,000 during the year ended December 31, 2022 was comprised of $10,820,000 in day 1 required reserves from loans acquired in connection with the VRB merger in the first quarter of 2022. Additionally, the Company designated certain loans and leases purchased from VRB as PCD, which required $2,037,000 in additional credit reserves as of the acquisition date. 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 remaining increase in the allowance for credit reserves was the result of changes in loan volume and changes in credit quality associated with levels of classified, past due and non-performing loans in addition to changes in qualitative factors. The quantitative component of the ACL increased reserve requirements due to loan volume growth and increases in specific reserves. In addition to the quantitative loan portfolio, credit quality characteristics which are illustrated in the following tabular disclosures, the Company’s expected credit loss methodology (CECL) incorporates the use of qualitative factors. The qualitative components of the ACL resulted in a net increase in required reserves despite continued improvement in US employment rates, due to increased uncertainty in the global economic markets, US economic policy uncertainty, and the continued rise in corporate debt yields. As compared to historical norms, inflation remains elevated from continued disruptions in the supply chain, wage pressures, and higher living costs such as housing and food prices. Management notes the rapid intervals of rate increases by the Federal Reserve and inversion of the yield curve, have boosted expectations of the US entering a recession within 12 months. As a result, management continues to believe that certain credit weakness are likely present in the overall economy and that it is appropriate to maintain an allowance for credit losses that incorporates such risk factors. The table below sets forth the components of the Company’s allowance for credit losses as of the dates indicated:
(dollars in thousands) | December 31, 2022 |  | December 31, 2021 |  |  |  |
Allowance for credit losses: |  |  |  |  |  |  |
Qualitative and forecast factor allowance | $ | 70,777 |  |  | $ | 59,855 |  |  |  |  |
Quantitative (Cohort) model allowance reserves | 32,489 |  |  | 24,539 |  |  |  |  |
Total allowance for credit losses | 103,266 |  |  | 84,394 |  |  |  |  |
Allowance for individually evaluated loans | 2,414 |  |  | 982 |  |  |  |  |
Total allowance for credit losses | $ | 105,680 |  |  | $ | 85,376 |  |  |  |  |
The following table provides a summary of loans and leases purchased as part of the VRB acquisition with credit deterioration (PCD) 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 |
The following tables summarize the activity in the allowance for credit losses, and ending balance of loans, net of unearned fees for the periods indicated.
| Allowance for Credit Losses – December 31, 2022
(in thousands) | Beginning Balance |  | ACL on PCD Loans |  | Charge-offs |  | Recoveries |  | Provision for (Benefit from) Credit Losses |  | Ending Balance
Commercial real estate: |  |  |  |  |  |  |  |  |  |  |
CRE non-owner occupied | $ | 25,739 |  |  | $ | 746 |  |  | $ | — |  |  | $ | 1 |  |  | $ | 4,476 |  |  | $ | 30,962 |
CRE owner occupied | 10,691 |  |  | 63 |  |  | — |  |  | 2 |  |  | 3,258 |  |  | 14,014 |
Multifamily | 12,395 |  |  | — |  |  | — |  |  | — |  |  | 737 |  |  | 13,132 |
Farmland | 2,315 |  |  | 764 |  |  | (294) |  |  | — |  |  | 488 |  |  | 3,273 |
Total commercial real estate loans | 51,140 |  |  | 1,573 |  |  | (294) |  |  | 3 |  |  | 8,959 |  |  | 61,381 |
Consumer: |  |  |  |  |  |  |  |  |  |  |
SFR 1-4 1st DT liens | 10,723 |  |  | 144 |  |  | — |  |  | 79 |  |  | 322 |  |  | 11,268 |
SFR HELOCs and junior liens | 10,510 |  |  | — |  |  | (22) |  |  | 429 |  |  | 496 |  |  | 11,413 |
Other | 2,241 |  |  | — |  |  | (572) |  |  | 235 |  |  | 54 |  |  | 1,958 |
Total consumer loans | 23,474 |  |  | 144 |  |  | (594) |  |  | 743 |  |  | 872 |  |  | 24,639 |
Commercial and industrial | 3,862 |  |  | 81 |  |  | (697) |  |  | 1,157 |  |  | 9,194 |  |  | 13,597 |
Construction | 5,667 |  |  | 201 |  |  | — |  |  | — |  |  | (726) |  |  | 5,142 |
Agriculture production | 1,215 |  |  | 38 |  |  | — |  |  | 4 |  |  | (351) |  |  | 906 |
Leases | 18 |  |  | — |  |  | — |  |  | — |  |  | (3) |  |  | 15 |
Allowance for credit losses on loans | 85,376 |  |  | 2,037 |  |  | (1,585) |  |  | 1,907 |  |  | 17,945 |  |  | 105,680 |
Reserve for unfunded commitments | 3,790 |  |  | — |  |  | — |  |  | — |  |  | 525 |  |  | 4,315 |
Total | $ | 89,166 |  |  | $ | 2,037 |  |  | $ | (1,585) |  |  | $ | 1,907 |  |  | $ | 18,470 |  |  | $ | 109,995 |
| Allowance for Credit Losses – December 31, 2021
(in thousands) | Beginning Balance |  |  |  | Charge-offs |  | Recoveries |  | Provision for (Benefit from) Credit Losses |  | 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 – December 31, 2020
(in thousands) | Beginning Balance |  | Impact of CECL Adoption |  | Charge-offs |  | Recoveries |  | Provision for (Benefit from) Credit Losses |  | 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 |
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. Collateral values may be determined by appraisals obtained through Bank approved, licensed appraisers, qualified independent third parties, public value information (blue book values for autos), sales invoices, or other appropriate means. Appropriate valuations are obtained at initiation of the credit and periodically (every 3-12 months depending on collateral type) once repayment is questionable and the loan has been classified. 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. The following tables present ending loan balances by loan category and risk grade for the periods indicated:
| Term Loans Amortized Cost Basis by Origination Year - As of December 31, 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 | $ | 399,910 |  |  | $ | 304,636 |  |  | $ | 152,960 |  |  | $ | 221,659 |  |  | $ | 147,842 |  |  | $ | 748,994 |  |  | $ | 123,794 |  |  | $ | — |  |  | $ | 2,099,795 |
Special Mention | — |  |  | — |  |  | — |  |  | 20,033 |  |  | — |  |  | 21,681 |  |  | 1,346 |  |  | — |  | 43,060 |
Substandard | — |  |  | 864 |  |  | 768 |  |  | — |  |  | 1,059 |  |  | 4,179 |  |  | — |  |  | — |  | 6,870 |
Doubtful/Loss | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Total CRE non-owner occupied risk ratings | $ | 399,910 |  |  | $ | 305,500 |  |  | $ | 153,728 |  |  | $ | 241,692 |  |  | $ | 148,901 |  |  | $ | 774,854 |  |  | $ | 125,140 |  |  | $ | — |  |  | $ | 2,149,725 |
Commercial real estate: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
CRE owner occupied risk ratings |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | $ | 210,101 |  |  | $ | 197,787 |  |  | $ | 120,929 |  |  | $ | 64,244 |  |  | $ | 49,755 |  |  | $ | 251,137 |  |  | $ | 43,343 |  |  | $ | — |  |  | $ | 937,296 |
Special Mention | 131 |  |  | 16,296 |  |  | 234 |  |  | 731 |  |  | — |  |  | 6,971 |  |  | 879 |  |  | — |  |  | 25,242 |
Substandard | 3,213 |  |  | — |  |  | 5,249 |  |  | 1,893 |  |  | 1,103 |  |  | 10,654 |  |  | 157 |  |  | — |  |  | 22,269 |
Doubtful/Loss | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Total CRE owner occupied risk ratings | $ | 213,445 |  |  | $ | 214,083 |  |  | $ | 126,412 |  |  | $ | 66,868 |  |  | $ | 50,858 |  |  | $ | 268,762 |  |  | $ | 44,379 |  |  | $ | — |  |  | $ | 984,807 |
| Term Loans Amortized Cost Basis by Origination Year - As of December 31, 2022 |  |  |  |  |  |
(in thousands) | 2022 |  | 2021 |  | 2020 |  | 2019 |  | 2018 |  | Prior |  | Revolving Loans Amortized Cost Basis |  | Revolving Loans Converted to Term |  | Total
Commercial real estate: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Multifamily risk ratings |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | $ | 159,318 |  |  | $ | 290,170 |  |  | $ | 96,937 |  |  | $ | 108,586 |  |  | $ | 106,287 |  |  | $ | 154,125 |  |  | $ | 28,989 |  |  | $ | — |  |  | $ | 944,412 |
Special Mention | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Substandard | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 125 |  |  | — |  |  | — |  |  | 125 |
Doubtful/Loss | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Total multifamily loans | $ | 159,318 |  |  | $ | 290,170 |  |  | $ | 96,937 |  |  | $ | 108,586 |  |  | $ | 106,287 |  |  | $ | 154,250 |  |  | $ | 28,989 |  |  | $ | — |  |  | $ | 944,537 |
Commercial real estate: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Farmland risk ratings |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | $ | 47,067 |  |  | $ | 53,275 |  |  | $ | 16,739 |  |  | $ | 18,589 |  |  | $ | 12,386 |  |  | $ | 34,528 |  |  | $ | 53,684 |  |  | $ | — |  |  | $ | 236,268 |
Special Mention | 3,139 |  |  | 783 |  |  | 246 |  |  | 5,000 |  |  | — |  |  | 3,991 |  |  | 14,275 |  |  | — |  |  | 27,434 |
Substandard | — |  |  | — |  |  | 1,772 |  |  | 765 |  |  | 3,158 |  |  | 7,094 |  |  | 3,523 |  |  | — |  |  | 16,312 |
Doubtful/Loss | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Total farmland loans | $ | 50,206 |  |  | $ | 54,058 |  |  | $ | 18,757 |  |  | $ | 24,354 |  |  | $ | 15,544 |  |  | $ | 45,613 |  |  | $ | 71,482 |  |  | $ | — |  |  | $ | 280,014 |
Consumer loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
SFR 1-4 1st DT liens risk ratings |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | $ | 194,933 |  |  | $ | 265,370 |  |  | $ | 131,922 |  |  | $ | 33,395 |  |  | $ | 28,545 |  |  | $ | 115,469 |  |  | $ | 8 |  |  | $ | 2,924 |  |  | $ | 772,566 |
Special Mention | — |  |  | — |  |  | 1,531 |  |  | 282 |  |  | 3,277 |  |  | 5,854 |  |  | — |  |  | 465 |  |  | 11,409
Substandard | — |  |  | 1,204 |  |  | — |  |  | — |  |  | 1,004 |  |  | 3,521 |  |  | — |  |  | 645 |  |  | 6,374
Doubtful/Loss | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | —
Total SFR 1st DT liens | $ | 194,933 |  |  | $ | 266,574 |  |  | $ | 133,453 |  |  | $ | 33,677 |  |  | $ | 32,826 |  |  | $ | 124,844 |  |  | $ | 8 |  |  | $ | 4,034 |  |  | $ | 790,349 |
Consumer loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
SFR HELOCs and Junior Liens risk ratings |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | $ | 505 |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | 127 |  |  | $ | 378,939 |  |  | $ | 8,462 |  |  | $ | 388,033 |
Special Mention | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 1,842 |  |  | 81 |  |  | 1,923
Substandard | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 3,072 |  |  | 638 |  |  | 3,710
Doubtful/Loss | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | —
Total SFR HELOCs and Junior Liens | $ | 505 |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | 127 |  |  | $ | 383,853 |  |  | $ | 9,181 |  |  | $ | 393,666 |
Consumer loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Other risk ratings |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | $ | 14,070 |  |  | $ | 12,990 |  |  | $ | 10,211 |  |  | $ | 10,650 |  |  | $ | 5,225 |  |  | $ | 1,945 |  |  | $ | 899 |  |  | $ | — |  |  | $ | 55,990 |
Special Mention | — |  |  | 18 |  |  | 77 |  |  | 135 |  |  | 176 |  |  | 32 |  |  | 47 |  |  | — |  |  | 485
Substandard | — |  |  | — |  |  | 42 |  |  | 92 |  |  | — |  |  | 96 |  |  | 23 |  |  | — |  |  | 253
Doubtful/Loss | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | —
Total other consumer loans | $ | 14,070 |  |  | $ | 13,008 |  |  | $ | 10,330 |  |  | $ | 10,877 |  |  | $ | 5,401 |  |  | $ | 2,073 |  |  | $ | 969 |  |  | $ | — |  |  | $ | 56,728 |
| Term Loans Amortized Cost Basis by Origination Year - As of December 31, 2022 |  |  |  |  |  |
(in thousands) | 2022 |  | 2021 |  | 2020 |  | 2019 |  | 2018 |  | Prior |  | Revolving Loans Amortized Cost Basis |  | Revolving Loans Converted to Term |  | Total
Commercial and industrial loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial and industrial risk ratings |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | $ | 125,710 |  |  | $ | 64,966 |  |  | $ | 17,746 |  |  | $ | 23,131 |  |  | $ | 7,628 |  |  | $ | 5,051 |  |  | $ | 297,341 |  |  | $ | 483 |  |  | $ | 542,056 |
Special Mention | 3,032 |  |  | 139 |  |  | 21 |  |  | 49 |  |  | 138 |  |  | 768 |  |  | 11,547 |  |  | — |  |  | 15,694
Substandard | 1,293 |  |  | 1,142 |  |  | 5,179 |  |  | 14 |  |  | 33 |  |  | 611 |  |  | 3,798 |  |  | 101 |  |  | 12,171
Doubtful/Loss | — |  |  |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | —
Total commercial and industrial loans | $ | 130,035 |  |  | $ | 66,247 |  |  | $ | 22,946 |  |  | $ | 23,194 |  |  | $ | 7,799 |  |  | $ | 6,430 |  |  | $ | 312,686 |  |  | $ | 584 |  |  | $ | 569,921 |
Construction loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Construction risk ratings |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | $ | 72,840 |  |  | $ | 72,308 |  |  | $ | 43,409 |  |  | $ | 15,358 |  |  | $ | 2,159 |  |  | $ | 4,900 |  |  | $ | — |  |  | $ | — |  |  | $ | 210,974 |
Special Mention | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | —
Substandard | — |  |  | — |  |  | — |  |  | 457 |  |  | — |  |  | 129 |  |  | — |  |  | — |  |  | 586
Doubtful/Loss | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | —
Total construction loans | $ | 72,840 |  |  | $ | 72,308 |  |  | $ | 43,409 |  |  | $ | 15,815 |  |  | $ | 2,159 |  |  | $ | 5,029 |  |  | $ | — |  |  | $ | — |  |  | $ | 211,560 |
Agriculture production loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Agriculture production risk ratings |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | $ | 3,414 |  |  | $ | 2,777 |  |  | $ | 1,149 |  |  | $ | 1,104 |  |  | $ | 8,902 |  |  | $ | 1,058 |  |  | $ | 38,425 |  |  | $ | — |  |  | $ | 56,829 |
Special Mention | — |  |  | — |  |  | — |  |  | — |  |  | 90 |  |  | 31 |  |  | 1,632 |  |  | — |  |  | 1,753 |
Substandard | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 2,832 |  |  | — |  |  | 2,832 |
Doubtful/Loss | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Total agriculture production loans | $ | 3,414 |  |  | $ | 2,777 |  |  | $ | 1,149 |  |  | $ | 1,104 |  |  | $ | 8,992 |  |  | $ | 1,089 |  |  | $ | 42,889 |  |  | $ | — |  |  | $ | 61,414 |
Leases: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Lease risk ratings |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | $ | 7,726 |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | 7,726 |
Special Mention | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Substandard | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Doubtful/Loss | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Total leases | $ | 7,726 |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | 7,726 |
Total loans outstanding: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Risk ratings |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | $ | 1,235,594 |  |  | $ | 1,264,279 |  |  | $ | 592,002 |  |  | $ | 496,716 |  |  | $ | 368,729 |  |  | $ | 1,317,334 |  |  | $ | 965,422 |  |  | $ | 11,869 |  |  | $ | 6,251,945 |
Special Mention | 6,302 |  |  | 17,236 |  |  | 2,109 |  |  | 26,230 |  |  | 3,681 |  |  | 39,328 |  |  | 31,568 |  |  | 546 |  |  | 127,000 |
Substandard | 4,506 |  |  | 3,210 |  |  | 13,010 |  |  | 3,221 |  |  | 6,357 |  |  | 26,409 |  |  | 13,405 |  |  | 1,384 |  |  | 71,502 |
Doubtful/Loss | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Total loans outstanding | $ | 1,246,402 |  |  | $ | 1,284,725 |  |  | $ | 607,121 |  |  | $ | 526,167 |  |  | $ | 378,767 |  |  | $ | 1,383,071 |  |  | $ | 1,010,395 |  |  | $ | 13,799 |  |  | $ | 6,450,447 |
| 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 |
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 |
| 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
Consumer loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
SFR HELOCs and Junior Liens risk ratings |  |  |  |  |  |  |  |  |  |  |  |  |  |
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 |
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 |
| 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 |  |  |  |
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 |
Once a loan becomes delinquent and repayment becomes questionable, a Bank collection officer will address collateral shortfalls with the borrower and attempt to obtain additional collateral. If this is not forthcoming and payment in full is unlikely, the Bank will estimate its probable loss, using a recent valuation as appropriate to the underlying collateral less estimated costs of sale, and charge the loan down to the estimated net realizable amount. Depending on the length of time until ultimate collection, the Bank may revalue the underlying collateral and take additional charge-offs as warranted. Revaluations may occur as often as every 3-12 months depending on the underlying collateral and volatility of values. Final charge-offs or recoveries are taken when collateral is liquidated and actual loss is known. Unpaid balances on loans after or during collection and liquidation may also be pursued through lawsuit and attachment of wages or judgment liens on borrower’s other assets. 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, 2022
(in thousands) | 30-59 days |  | 60-89 days |  | > 90 days |  | Total Past Due Loans |  | Current |  | Total
Commercial real estate: |  |  |  |  |  |  |  |  |  |  |
CRE non-owner occupied | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | 2,149,725 |  |  | $ | 2,149,725 |
CRE owner occupied | — |  |  | 98 |  |  | 75 |  |  | 173 |  |  | 984,634 |  |  | 984,807 |
Multifamily | 159 |  |  | — |  |  | — |  |  | 159 |  |  | 944,378 |  |  | 944,537 |
Farmland | — |  |  | — |  |  | — |  |  | 0 |  | 280,014 |  | 280,014
Total commercial real estate loans | 159 |  |  | 98 |  |  | 75 |  |  | 332 |  |  | 4,358,751 |  |  | 4,359,083 |
Consumer: |  |  |  |  |  |  |  |  |  |  |
SFR 1-4 1st DT liens | 24 |  |  | — |  |  | 279 |  |  | 303 |  |  | 790,046 |  |  | 790,349 |
SFR HELOCs and junior liens | 172 |  |  | 166 |  |  | 707 |  |  | 1,045 |  |  | 392,621 |  |  | 393,666 |
Other | 26 |  |  | 34 |  |  | 55 |  |  | 115 |  |  | 56,613 |  |  | 56,728 |
Total consumer loans | 222 |  | 200 |  | 1,041 |  | 1,463 |  | 1,239,280 |  | 1,240,743
Commercial and industrial | 2,300 |  |  | 190 |  |  | 283 |  |  | 2,773 |  |  | 567,148 |  |  | 569,921 |
Construction | — |  |  | — |  |  | 379 |  |  | 379 |  |  | 211,181 |  |  | 211,560 |
Agriculture production | — |  |  | — |  |  | — |  |  | — |  |  | 61,414 |  |  | 61,414 |
Leases | — |  |  | — |  |  | — |  |  | — |  |  | 7,726 |  |  | 7,726 |
Total | $ | 2,681 |  |  | $ | 488 |  |  | $ | 1,778 |  |  | $ | 4,947 |  |  | $ | 6,445,500 |  |  | $ | 6,450,447 |
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, 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 December 31, 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 | $ | 1,739 |  |  | $ | 1,739 |  |  | $ | — |  |  | $ | 7,899 |  |  | $ | 7,899 |  |  | $ | — |
CRE owner occupied | 4,938 |  |  | 4,938 |  |  | — |  |  | 4,763 |  |  | 5,036 |  |  | — |
Multifamily | 125 |  |  | 125 |  |  | — |  |  | 4,457 |  |  | 4,457 |  |  | — |
Farmland | 1,772 |  |  | 1,772 |  |  | — |  |  | 452 |  |  | 3,020 |  |  | — |
Total commercial real estate loans | 8,574 |  |  | 8,574 |  |  | — |  |  | 17,571 |  |  | 20,412 |  |  | — |
Consumer: |  |  |  |  |  |  |  |  |  |  |
SFR 1-4 1st DT liens | 4,117 |  |  | 4,220 |  |  | — |  |  | 3,594 |  |  | 3,595 |  |  | — |
SFR HELOCs and junior liens | 2,498 |  |  | 3,155 |  |  | — |  |  | 3,285 |  |  | 3,801 |  |  | — |
Other | 47 |  |  | 84 |  |  | — |  |  | 48 |  |  | 71 |  |  | — |
Total consumer loans | 6,662 |  |  | 7,459 |  |  | — |  |  | 6,927 |  |  | 7,467 |  |  | — |
Commercial and industrial | 1,224 |  |  | 3,518 |  |  | — |  |  | 1,904 |  |  | 2,416 |  |  | — |
Construction | 491 |  |  | 491 |  |  | — |  |  | 15 |  |  | 55 |  |  | — |
Agriculture production | 1,279 |  |  | 1,279 |  |  | — |  |  | — |  |  | — |  |  | — |
Leases | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Sub-total | 18,230 |  | 21,321 |  | — |  |  | 26,417 |  | 30,350 |  | — |
Less: Guaranteed loans | (105) |  |  | (225) |  |  | — |  |  | (713) |  |  | (775) |  |  | — |
Total, net | $ | 18,125 |  |  | $ | 21,096 |  |  | $ | — |  |  | $ | 25,704 |  |  | $ | 29,575 |  |  | $ | — |
Interest income on non accrual loans that would have been recognized during the years ended December 31, 2022, 2021, and 2020, if all such loans had been current in accordance with their original terms, totaled $1,438,000, $2,226,000, and $1,804,000, respectively. Interest income actually recognized on these loans during the years ended December 31, 2022, 2021, and 2020 was $579,000, $471,000, and $701,000, respectively. The following tables present the amortized cost basis of collateral dependent loans by class of loans as of the following periods:
| As of December 31, 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 | $ | 777 |  |  | $ | 98 |  |  | $ | — |  |  | $ | 864 |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | 1,739 |
CRE owner occupied | 548 |  |  | 75 |  |  | 1,103 |  |  | 3,212 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 4,938 |
Multifamily | — |  |  | — |  |  | — |  |  | — |  |  | 125 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 125 |
Farmland | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 1,772 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 1,772 |
Total commercial real estate loans | 1,325 |  |  | 173 |  |  | 1,103 |  |  | 4,076 |  |  | 125 |  |  | 1,772 |  |  | — |  |  | — |  |  | — |  |  | — |  |  |  |  | 8,574 |
Consumer: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
SFR 1-4 1st DT liens | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 4,220 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 4,220 |
SFR HELOCs and junior liens | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 1,664 |  |  | 1,121 |  |  | — |  |  | — |  |  | — |  |  | 2,785 |
Other | — |  |  | — |  |  | — |  |  | 5 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 61 |  |  | — |  |  | 2 |  |  | 68 |
Total consumer loans | — |  |  | — |  |  | — |  |  | 5 |  |  | — |  |  | — |  |  | 5,884 |  |  | 1,121 |  |  | 61 |  |  | — |  |  | 2 |  |  | 7,073 |
Commercial and industrial | — |  |  | — |  |  | — |  |  | 1,874 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 1,596 |  |  | 48 |  |  | 3,518 |
Construction | — |  |  | — |  |  | — |  |  | 379 |  |  | — |  |  | — |  |  | 112 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 491 |
Agriculture production | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 1,279 |  |  | 1,279 |
Leases | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Total | $ | 1,325 |  |  | $ | 173 |  |  | $ | 1,103 |  |  | $ | 6,334 |  |  | $ | 125 |  |  | $ | 1,772 |  |  | $ | 5,996 |  |  | $ | 1,121 |  |  | $ | 61 |  |  | $ | 1,596 |  |  | $ | 1,329 |  |  | $ | 20,935 |
| 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 Troubled Debt Restructurings that occurred during the periods indicated: 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.
| TDR information for the year ended December 31, 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 | 1 |  |  | — |  |  | 130 |  |  | — |  |  | — |  |  | — |  |  | — |
Multifamily | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Farmland | 3 |  |  | 1,228 |  |  | 1,440 |  |  | — |  |  | — |  |  | — |  |  | — |
Total commercial real estate loans | 4 |  |  | 1,228 |  |  | 1,570 |  |  | — |  |  | — |  |  | — |  |  | — |
Consumer: |  |  |  |  |  |  |  |  |  |  |  |  |
SFR 1-4 1st DT liens | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
SFR HELOCs and junior liens | — |  |  | — |  |  | — |  |  | — |  |  | 2 |  |  | 146 |  |  | — |
Other | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Total consumer loans | — |  |  | — |  |  | — |  |  | — |  |  | 2 |  |  | 146 |  |  | — |
Commercial and industrial | 1 |  |  | 39 |  |  | 39 |  |  | — |  |  | 1 |  |  | 22 |  |  | — |
Construction | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Agriculture production | 4 |  |  | 7,210 |  |  | 7,210 |  |  | — |  |  | — |  |  | — |  |  | — |
Leases | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Total | 9 |  |  | $ | 8,477 |  |  | $ | 8,819 |  |  | $ | — |  |  | 3 |  |  | $ | 168 |  |  | $ | — |
| TDR information for the year ended December 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 | 5 |  |  | $ | 4,966 |  |  | $ | 4,956 |  |  | $ | 1,020 |  |  | — |  |  | $ | — |  |  | $ | — |
CRE owner occupied | 1 |  |  | 740 |  |  | 742 |  |  | 742 |  |  | — |  |  | — |  |  | — |
Multifamily | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Farmland | 2 |  |  | 701 |  |  | 703 |  |  | 50 |  |  | 3 |  |  | 847 |  |  | — |
Total commercial real estate loans | 8 |  |  | 6,407 |  |  | 6,401 |  |  | 1,812 |  |  | 3 |  |  | 847 |  |  | — |
Consumer: |  |  |  |  |  |  |  |  |  |  |  |  |
SFR 1-4 1st DT liens | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
SFR HELOCs and junior liens | 1 |  |  | 200 |  |  | 247 |  |  | — |  |  | — |  |  | — |  |  | — |
Other | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Total consumer loans | 1 |  |  | 200 |  |  | 247 |  |  | — |  |  | — |  |  | — |  |  | — |
Commercial and industrial | 7 |  |  | 2,476 |  |  | 2,468 |  |  | 709 |  |  | 2 |  |  | 260 |  |  | (5) |
Construction | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Agriculture production | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Leases | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Total | 16 |  |  | $ | 9,083 |  |  | $ | 9,116 |  |  | $ | 2,521 |  |  | 5 |  |  | $ | 1,107 |  |  | $ | (5) |
| TDR information for the year ended December 31, 2020
(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 | 4 |  |  | 1,847 |  |  | 1,877 |  |  | 67 |  |  | 1 |  |  | 950 |  |  | — |
Multifamily | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Farmland | 5 |  |  | 1,566 |  |  | 1,636 |  |  | — |  |  | 1 |  |  | 451 |  |  | — |
Total commercial real estate loans | 10 |  |  | 3,732 |  |  | 3,827 |  |  | 381 |  |  | 3 |  |  | 1,542 |  |  | — |
Consumer: |  |  |  |  |  |  |  |  |  |  |  |  |
SFR 1-4 1st DT liens | — |  |  | — |  |  | — |  |  | — |  |  | 3 |  |  | 1,180 |  |  | — |
SFR HELOCs and junior liens | 2 |  |  | 172 |  |  | 169 |  |  | — |  |  | 2 |  |  | 140 |  |  | (90) |
Other | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Total consumer loans | 2 |  |  | 172 |  |  | 169 |  |  | — |  |  | 5 |  |  | 1,320 |  |  | (90) |
Commercial and industrial | 6 |  |  | 2,106 |  |  | 2,078 |  |  | 90 |  |  | — |  |  | — |  |  | — |
Construction | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Agriculture production | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Leases | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Total | 18 |  |  | $ | 6,010 |  |  | $ | 6,074 |  |  | $ | 471 |  |  | 8 |  |  | $ | 2,862 |  |  | $ | (90) |
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.

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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 https://asc.fasb.org/topic&trid=2196771 + Details
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