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v3.20.1

Allowance for Loan and Lease Losses and Reserve for Unfunded Commitments (Tables) | 12 Months Ended
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Dec. 31, 2019
Receivables [Abstract] |
Summary of Allowance for Loan and Lease Losses and Corresponding Loan and Lease Balances | The following tables summarize the balance and activity within the allowance for loan and lease losses, the components of the allowance for loan and lease losses in terms of loans and leases individually and collectively evaluated for impairment, and corresponding loan and lease balances by type for the years ended December 31, 2019, 2018, and 2017 are as follows:
2019 |  | Commercial Real Estate |  |  | Residential Real Estate |  |  | Construction, Land Development, and Other Land |  |  | Commercial and Industrial |  |  | Installment and Other |  |  | Lease Financing Receivables |  |  | Total |
Allowance for loan and lease losses |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Beginning balance |  | $ | 7,540 |  |  | $ | 1,751 |  |  | $ | 466 |  |  | $ | 12,932 |  |  | $ | 49 |  |  | $ | 2,463 |  |  | $ | 25,201 |
Provision |  |  | 4,805 |  |  |  | 67 |  |  |  | 144 |  |  |  | 14,460 |  |  |  | 15 |  |  |  | 1,217 |  |  |  | 20,708 |
Charge-offs |  |  | (4,950 | ) |  |  | (113 | ) |  |  | — |  |  |  | (8,171 | ) |  |  | (16 | ) |  |  | (2,609 | ) |  |  | (15,859 | )
Recoveries |  |  | 570 |  |  |  | 285 |  |  |  | — |  |  |  | 156 |  |  |  | 2 |  |  |  | 873 |  |  |  | 1,886 |
Ending balance |  | $ | 7,965 |  |  | $ | 1,990 |  |  | $ | 610 |  |  | $ | 19,377 |  |  | $ | 50 |  |  | $ | 1,944 |  |  | $ | 31,936 |
Ending balance: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Individually evaluated for impairment |  | $ | 2,614 |  |  | $ | 124 |  |  | $ | — |  |  | $ | 7,952 |  |  | $ | — |  |  | $ | — |  |  | $ | 10,690 |
Collectively evaluated for impairment |  |  | 4,414 |  |  |  | 1,191 |  |  |  | 584 |  |  |  | 10,287 |  |  |  | 50 |  |  |  | 1,944 |  |  |  | 18,470 |
Loans acquired with deteriorated credit quality |  |  | 937 |  |  |  | 675 |  |  |  | 26 |  |  |  | 1,138 |  |  |  | — |  |  |  | — |  |  |  | 2,776 |
Total allowance for loan and lease losses |  | $ | 7,965 |  |  | $ | 1,990 |  |  | $ | 610 |  |  | $ | 19,377 |  |  | $ | 50 |  |  | $ | 1,944 |  |  | $ | 31,936 |
2019 |  | Commercial Real Estate |  |  | Residential Real Estate |  |  | Construction, Land Development, and Other Land |  |  | Commercial and Industrial |  |  | Installment and Other |  |  | Lease Financing Receivables |  |  | Total |
Loans and leases ending balance: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Individually evaluated for impairment |  | $ | 26,396 |  |  | $ | 2,398 |  |  | $ | 2,644 |  |  | $ | 37,303 |  |  | $ | — |  |  | $ | — |  |  | $ | 68,741 |
Collectively evaluated for impairment |  |  | 1,114,232 |  |  |  | 609,201 |  |  |  | 270,640 |  |  |  | 1,277,353 |  |  |  | 6,316 |  |  |  | 180,510 |  |  |  | 3,458,252 |
Loans acquired with deteriorated credit quality |  |  | 135,914 |  |  |  | 100,223 |  |  |  | 5,373 |  |  |  | 16,909 |  |  |  | 249 |  |  |  | — |  |  |  | 258,668 |
Total loans and leases |  | $ | 1,276,542 |  |  | $ | 711,822 |  |  | $ | 278,657 |  |  | $ | 1,331,565 |  |  | $ | 6,565 |  |  | $ | 180,510 |  |  | $ | 3,785,661 |
Note 6—Allowance for Loan and Lease Losses and Reserve for Unfunded Commitments (continued)
2018 |  | Commercial Real Estate |  |  | Residential Real Estate |  |  | Construction, Land Development, and Other Land |  |  | Commercial and Industrial |  |  | Installment and Other |  |  | Lease Financing Receivables |  |  | Total |
Allowance for loan and lease losses |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Beginning balance |  | $ | 4,794 |  |  | $ | 1,638 |  |  | $ | 222 |  |  | $ | 7,418 |  |  | $ | 41 |  |  | $ | 2,593 |  |  | $ | 16,706 |
Provision |  |  | 4,543 |  |  |  | 113 |  |  |  | 662 |  |  |  | 12,089 |  |  |  | 68 |  |  |  | 1,320 |  |  |  | 18,795 |
Charge-offs |  |  | (1,865 | ) |  |  | — |  |  |  | (418 | ) |  |  | (6,944 | ) |  |  | (60 | ) |  |  | (2,517 | ) |  |  | (11,804 | )
Recoveries |  |  | 68 |  |  |  | — |  |  |  | — |  |  |  | 369 |  |  |  | — |  |  |  | 1,067 |  |  |  | 1,504 |
Ending balance |  | $ | 7,540 |  |  | $ | 1,751 |  |  | $ | 466 |  |  | $ | 12,932 |  |  | $ | 49 |  |  | $ | 2,463 |  |  | $ | 25,201 |
Ending balance: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Individually evaluated for impairment |  | $ | 2,191 |  |  | $ | 61 |  |  | $ | — |  |  | $ | 4,397 |  |  | $ | — |  |  | $ | — |  |  | $ | 6,649 |
Collectively evaluated for impairment |  |  | 4,105 |  |  |  | 1,323 |  |  |  | 466 |  |  |  | 7,413 |  |  |  | 47 |  |  |  | 2,463 |  |  |  | 15,817 |
Loans acquired with deteriorated credit quality |  |  | 1,244 |  |  |  | 367 |  |  |  | — |  |  |  | 1,122 |  |  |  | 2 |  |  |  | — |  |  |  | 2,735 |
Total allowance for loan and lease losses |  | $ | 7,540 |  |  | $ | 1,751 |  |  | $ | 466 |  |  | $ | 12,932 |  |  | $ | 49 |  |  | $ | 2,463 |  |  | $ | 25,201 |
2018 |  | Commercial Real Estate |  |  | Residential Real Estate |  |  | Construction, Land Development, and Other Land |  |  | Commercial and Industrial |  |  | Installment and Other |  |  | Lease Financing Receivables |  |  | Total |
Loans and leases ending balance: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Individually evaluated for impairment |  | $ | 11,983 |  |  | $ | 2,137 |  |  | $ | — |  |  | $ | 21,794 |  |  | $ | — |  |  | $ | — |  |  | $ | 35,914 |
Collectively evaluated for impairment |  |  | 1,102,816 |  |  |  | 588,831 |  |  |  | 181,570 |  |  |  | 1,110,386 |  |  |  | 13,314 |  |  |  | 191,253 |  |  |  | 3,188,170 |
Loans acquired with deteriorated credit quality |  |  | 146,808 |  |  |  | 113,934 |  |  |  | 3,779 |  |  |  | 12,617 |  |  |  | 404 |  |  |  | — |  |  |  | 277,542 |
Total loans and leases |  | $ | 1,261,607 |  |  | $ | 704,902 |  |  | $ | 185,349 |  |  | $ | 1,144,797 |  |  | $ | 13,718 |  |  | $ | 191,253 |  |  | $ | 3,501,626 |
2017 |  | Commercial Real Estate |  |  | Residential Real Estate |  |  | Construction, Land Development, and Other Land |  |  | Commercial and Industrial |  |  | Installment and Other |  |  | Lease Financing Receivables |  |  | Total |
Allowance for loan and lease losses |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Beginning balance |  | $ | 1,945 |  |  | $ | 2,483 |  |  | $ | 742 |  |  | $ | 4,196 |  |  | $ | 334 |  |  | $ | 1,223 |  |  | $ | 10,923 |
Provision (release) |  |  | 4,343 |  |  |  | (405 | ) |  |  | (520 | ) |  |  | 6,058 |  |  |  | 34 |  |  |  | 3,143 |  |  |  | 12,653 |
Charge-offs |  |  | (1,494 | ) |  |  | (440 | ) |  |  | — |  |  |  | (2,836 | ) |  |  | (327 | ) |  |  | (3,099 | ) |  |  | (8,196 | )
Recoveries |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 1,326 |  |  |  | 1,326 |
Ending balance |  | $ | 4,794 |  |  | $ | 1,638 |  |  | $ | 222 |  |  | $ | 7,418 |  |  | $ | 41 |  |  | $ | 2,593 |  |  | $ | 16,706 |
Ending balance: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Individually evaluated for impairment |  | $ | 1,101 |  |  | $ | 158 |  |  | $ | — |  |  | $ | 2,692 |  |  | $ | 14 |  |  | $ | — |  |  | $ | 3,965 |
Collectively evaluated for impairment |  |  | 1,765 |  |  |  | 1,047 |  |  |  | 145 |  |  |  | 3,308 |  |  |  | 9 |  |  |  | 2,593 |  |  |  | 8,867 |
Loans acquired with deteriorated credit quality |  |  | 1,928 |  |  |  | 433 |  |  |  | 77 |  |  |  | 1,418 |  |  |  | 18 |  |  |  | — |  |  |  | 3,874 |
Total allowance for loan and lease losses |  | $ | 4,794 |  |  | $ | 1,638 |  |  | $ | 222 |  |  | $ | 7,418 |  |  | $ | 41 |  |  | $ | 2,593 |  |  | $ | 16,706 |
Note 6—Allowance for Loan and Lease Losses and Reserve for Unfunded Commitments (continued)
2017 |  | Commercial Real Estate |  |  | Residential Real Estate |  |  | Construction, Land Development, and Other Land |  |  | Commercial and Industrial |  |  | Installment and Other |  |  | Lease Financing Receivables |  |  | Total |
Loans and leases ending balance: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Individually evaluated for impairment |  | $ | 13,884 |  |  | $ | 2,429 |  |  | $ | — |  |  | $ | 14,784 |  |  | $ | 14 |  |  | $ | — |  |  | $ | 31,111 |
Collectively evaluated for impairment |  |  | 711,097 |  |  |  | 430,227 |  |  |  | 99,483 |  |  |  | 496,446 |  |  |  | 3,752 |  |  |  | 177,686 |  |  |  | 1,918,691 |
Loans acquired with deteriorated credit quality |  |  | 166,712 |  |  |  | 144,562 |  |  |  | 5,946 |  |  |  | 10,008 |  |  |  | 462 |  |  |  | — |  |  |  | 327,690 |
Total loans and leases |  | $ | 891,693 |  |  | $ | 577,218 |  |  | $ | 105,429 |  |  | $ | 521,238 |  |  | $ | 4,228 |  |  | $ | 177,686 |  |  | $ | 2,277,492 |
Summary of Recorded Investment, Unpaid Principal Balance, and Related Allowance for Loans and Leases Considered Impaired | The following tables summarize the recorded investment, unpaid principal balance, related allowance, average recorded investment, and interest income recognized for loans and leases considered impaired as of December 31, 2019, 2018, and 2017, which excludes acquired impaired loans:
2019 |  | Recorded Investment |  |  | Unpaid Principal Balance |  |  | Related Allowance |  |  | Average Recorded Investment |  |  | Interest Income Recognized |
With no related allowance recorded |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial real estate |  | $ | 16,556 |  |  | $ | 19,808 |  |  | $ | — |  |  | $ | 11,218 |  |  | $ | 1,257 |
Residential real estate |  |  | 2,165 |  |  |  | 2,253 |  |  |  | — |  |  |  | 2,285 |  |  |  | 192 |
Construction, land development, and other land |  |  | 2,644 |  |  |  | 3,000 |  |  |  | — |  |  |  | 220 |  |  |  | 191 |
Commercial and industrial |  |  | 19,211 |  |  |  | 20,398 |  |  |  | — |  |  |  | 14,137 |  |  |  | 1,487 |
With an allowance recorded |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial real estate |  |  | 9,840 |  |  |  | 10,691 |  |  |  | 2,614 |  |  |  | 8,863 |  |  |  | 711 |
Residential real estate |  |  | 233 |  |  |  | 233 |  |  |  | 124 |  |  |  | 195 |  |  |  | 7 |
Commercial and industrial |  |  | 18,092 |  |  |  | 19,285 |  |  |  | 7,952 |  |  |  | 14,989 |  |  |  | 1,010 |
Total impaired loans |  | $ | 68,741 |  |  | $ | 75,668 |  |  | $ | 10,690 |  |  | $ | 51,907 |  |  | $ | 4,855 |
Note 6—Allowance for Loan and Lease Losses and Reserve for Unfunded Commitments (continued)
2018 |  | Recorded Investment |  |  | Unpaid Principal Balance |  |  | Related Allowance |  |  | Average Recorded Investment |  |  | Interest Income Recognized |
With no related allowance recorded |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial real estate |  | $ | 6,110 |  |  | $ | 7,693 |  |  | $ | — |  |  | $ | 8,968 |  |  | $ | 590 |
Residential real estate |  |  | 1,886 |  |  |  | 1,858 |  |  |  | — |  |  |  | 1,917 |  |  |  | 43 |
Commercial and industrial |  |  | 11,193 |  |  |  | 13,961 |  |  |  | — |  |  |  | 8,680 |  |  |  | 483 |
With an allowance recorded |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial real estate |  |  | 5,873 |  |  |  | 6,313 |  |  |  | 2,191 |  |  |  | 5,328 |  |  |  | 270 |
Residential real estate |  |  | 251 |  |  |  | 253 |  |  |  | 61 |  |  |  | 311 |  |  |  | 4 |
Commercial and industrial |  |  | 10,601 |  |  |  | 11,153 |  |  |  | 4,397 |  |  |  | 9,472 |  |  |  | 749 |
Installment and other |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 11 |  |  |  | — |
Total impaired loans |  | $ | 35,914 |  |  | $ | 41,231 |  |  | $ | 6,649 |  |  | $ | 34,687 |  |  | $ | 2,139 |
2017 |  | Recorded Investment |  |  | Unpaid Principal Balance |  |  | Related Allowance |  |  | Average Recorded Investment |  |  | Interest Income Recognized |
With no related allowance recorded |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial real estate |  | $ | 11,425 |  |  | $ | 12,936 |  |  | $ | — |  |  | $ | 10,482 |  |  | $ | 525 |
Residential real estate |  |  | 2,075 |  |  |  | 2,046 |  |  |  | — |  |  |  | 1,781 |  |  |  | 72 |
Construction, land development and other land |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 295 |  |  |  | 2 |
Commercial and industrial |  |  | 5,470 |  |  |  | 6,774 |  |  |  | — |  |  |  | 2,875 |  |  |  | 265 |
With an allowance recorded |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial real estate |  |  | 2,459 |  |  |  | 2,634 |  |  |  | 1,101 |  |  |  | 1,988 |  |  |  | 187 |
Residential real estate |  |  | 354 |  |  |  | 351 |  |  |  | 158 |  |  |  | 422 |  |  |  | 6 |
Construction, land development and other land |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 14 |  |  |  | — |
Commercial and industrial |  |  | 9,314 |  |  |  | 9,724 |  |  |  | 2,692 |  |  |  | 3,460 |  |  |  | 486 |
Installment and other |  |  | 14 |  |  |  | 14 |  |  |  | 14 |  |  |  | 162 |  |  |  | 12 |
Total impaired loans |  | $ | 31,111 |  |  | $ | 34,479 |  |  | $ | 3,965 |  |  | $ | 21,479 |  |  | $ | 1,555 |
Summary of Risk Rating Categories of Loans and Leases Considered for Inclusion in Allowance for Loan and Lease Losses Calculation | The following tables summarize the risk rating categories of the loans and leases considered for inclusion in the allowance for loan and lease losses calculation, excluding acquired impaired loans, as of December 31, 2019 and 2018:
2019 |  | Commercial Real Estate |  |  | Residential Real Estate |  |  | Construction, Land Development, and Other Land |  |  | Commercial and Industrial |  |  | Installment and Other |  |  | Lease Financing Receivables |  |  | Total |
Pass |  | $ | 984,881 |  |  | $ | 584,363 |  |  | $ | 247,775 |  |  | $ | 1,087,856 |  |  | $ | 6,013 |  |  | $ | 177,696 |  |  | $ | 3,088,584 |
Watch |  |  | 99,803 |  |  |  | 21,856 |  |  |  | 18,181 |  |  |  | 159,282 |  |  |  | 302 |  |  |  | 8 |  |  |  | 299,432 |
Special Mention |  |  | 27,484 |  |  |  | 3,648 |  |  |  | 4,684 |  |  |  | 26,944 |  |  |  | — |  |  |  | 1,799 |  |  |  | 64,559 |
Substandard |  |  | 28,460 |  |  |  | 1,732 |  |  |  | 2,644 |  |  |  | 40,574 |  |  |  | 1 |  |  |  | 728 |  |  |  | 74,139 |
Doubtful |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 279 |  |  |  | 279 |
Loss |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Total |  | $ | 1,140,628 |  |  | $ | 611,599 |  |  | $ | 273,284 |  |  | $ | 1,314,656 |  |  | $ | 6,316 |  |  | $ | 180,510 |  |  | $ | 3,526,993 |
2018 |  | Commercial Real Estate |  |  | Residential Real Estate |  |  | Construction, Land Development, and Other Land |  |  | Commercial and Industrial |  |  | Installment and Other |  |  | Lease Financing Receivables |  |  | Total |
Pass |  | $ | 1,009,041 |  |  | $ | 553,665 |  |  | $ | 147,123 |  |  | $ | 962,291 |  |  | $ | 9,997 |  |  | $ | 188,314 |  |  | $ | 2,870,431 |
Watch |  |  | 76,276 |  |  |  | 29,522 |  |  |  | 31,376 |  |  |  | 112,996 |  |  |  | 3,302 |  |  |  | 80 |  |  |  | 253,552 |
Special Mention |  |  | 17,602 |  |  |  | 5,656 |  |  |  | 3,071 |  |  |  | 34,314 |  |  |  | — |  |  |  | 1,794 |  |  |  | 62,437 |
Substandard |  |  | 11,880 |  |  |  | 2,125 |  |  |  | — |  |  |  | 22,579 |  |  |  | 15 |  |  |  | 818 |  |  |  | 37,417 |
Doubtful |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 247 |  |  |  | 247 |
Loss |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Total |  | $ | 1,114,799 |  |  | $ | 590,968 |  |  | $ | 181,570 |  |  | $ | 1,132,180 |  |  | $ | 13,314 |  |  | $ | 191,253 |  |  | $ | 3,224,084 |
Summary of Contractual Delinquency Information | The following tables summarize contractual delinquency information for acquired non-impaired and originated loans and leases by category as of December 31, 2019 and 2018:
2019 |  | 30-59 Days Past Due |  |  | 60-89 Days Past Due |  |  | Greater than 90 Days and Accruing |  |  | Non- accrual |  |  | Total Past Due |  |  | Current |  |  | Total |
Commercial real estate |  | $ | 14,269 |  |  | $ | 5,153 |  |  | $ | — |  |  | $ | 12,274 |  |  | $ | 31,696 |  |  | $ | 1,108,932 |  |  | $ | 1,140,628 |
Residential real estate |  |  | 3,187 |  |  |  | 460 |  |  |  | — |  |  |  | 1,371 |  |  |  | 5,018 |  |  |  | 606,581 |  |  |  | 611,599 |
Construction, land development, and other land |  |  | — |  |  |  | 4,460 |  |  |  | — |  |  |  | — |  |  |  | 4,460 |  |  |  | 268,824 |  |  |  | 273,284 |
Commercial and industrial |  |  | 7,789 |  |  |  | 3,594 |  |  |  | — |  |  |  | 22,151 |  |  |  | 33,534 |  |  |  | 1,281,122 |  |  |  | 1,314,656 |
Installment and other |  |  | 133 |  |  |  | 2 |  |  |  | — |  |  |  | 1 |  |  |  | 136 |  |  |  | 6,180 |  |  |  | 6,316 |
Lease financing receivables |  |  | 585 |  |  |  | 532 |  |  |  | — |  |  |  | 475 |  |  |  | 1,592 |  |  |  | 178,918 |  |  |  | 180,510 |
Total |  | $ | 25,963 |  |  | $ | 14,201 |  |  | $ | — |  |  | $ | 36,272 |  |  | $ | 76,436 |  |  | $ | 3,450,557 |  |  | $ | 3,526,993 |
Note 6—Allowance for Loan and Lease Losses and Reserve for Unfunded Commitments (continued)
2018 |  | 30-59 Days Past Due |  |  | 60-89 Days Past Due |  |  | Greater than 90 Days and Accruing |  |  | Non- accrual |  |  | Total Past Due |  |  | Current |  |  | Total |
Commercial real estate |  | $ | 6,659 |  |  | $ | 2,145 |  |  | $ | — |  |  | $ | 9,484 |  |  | $ | 18,288 |  |  | $ | 1,096,511 |  |  | $ | 1,114,799 |
Residential real estate |  |  | 4,488 |  |  |  | 711 |  |  |  | — |  |  |  | 1,815 |  |  |  | 7,014 |  |  |  | 583,954 |  |  |  | 590,968 |
Construction, land development, and other land |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 181,570 |  |  |  | 181,570 |
Commercial and industrial |  |  | 5,829 |  |  |  | 1,376 |  |  |  | — |  |  |  | 13,932 |  |  |  | 21,137 |  |  |  | 1,111,043 |  |  |  | 1,132,180 |
Installment and other |  |  | 1,932 |  |  |  | 4 |  |  |  | — |  |  |  | 12 |  |  |  | 1,948 |  |  |  | 11,366 |  |  |  | 13,314 |
Lease financing receivables |  |  | 789 |  |  |  | 530 |  |  |  | — |  |  |  | 591 |  |  |  | 1,910 |  |  |  | 189,343 |  |  |  | 191,253 |
Total |  | $ | 19,697 |  |  | $ | 4,766 |  |  | $ | — |  |  | $ | 25,834 |  |  | $ | 50,297 |  |  | $ | 3,173,787 |  |  | $ | 3,224,084 |
Summary of TDR's by Loan Category | . The tables below present TDRs by loan category as of December 31, 2019, 2018, and 2017. Refer to Note 1—Summary of Significant Accounting Policies for the accounting policy for TDRs.
2019 |  | Number of Loans |  |  | Pre-Modification Outstanding Recorded Investment |  |  | Post-Modification Outstanding Recorded Investment |  |  | Charge-offs |  |  | Specific Reserves |
Accruing: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial real estate |  |  | 5 |  |  | $ | 1,451 |  |  | $ | 1,451 |  |  | $ | — |  |  | $ | 223 |
Commercial and industrial |  |  | 2 |  |  |  | 129 |  |  |  | 129 |  |  |  | — |  |  |  | 118 |
Residential real estate |  |  | 2 |  |  |  | 191 |  |  |  | 191 |  |  |  | — |  |  |  | — |
Total accruing |  |  | 9 |  |  |  | 1,771 |  |  |  | 1,771 |  |  |  | — |  |  |  | 341 |
Non-accruing: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial real estate |  |  | 6 |  |  |  | 2,777 |  |  |  | 2,600 |  |  |  | 177 |  |  |  | 513 |
Commercial and industrial |  |  | 11 |  |  |  | 8,048 |  |  |  | 6,096 |  |  |  | 1,952 |  |  |  | 1,312 |
Residential real estate |  |  | 1 |  |  |  | 104 |  |  |  | 104 |  |  |  | — |  |  |  | — |
Total non-accruing |  |  | 18 |  |  |  | 10,929 |  |  |  | 8,800 |  |  |  | 2,129 |  |  |  | 1,825 |
Total troubled debt restructurings |  |  | 27 |  |  | $ | 12,700 |  |  | $ | 10,571 |  |  | $ | 2,129 |  |  | $ | 2,166 |
2018 |  | Number of Loans |  |  | Pre-Modification Outstanding Recorded Investment |  |  | Post-Modification Outstanding Recorded Investment |  |  | Charge-offs |  |  | Specific Reserves |
Accruing: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial real estate |  |  | 4 |  |  | $ | 1,508 |  |  | $ | 1,508 |  |  | $ | — |  |  | $ | 113 |
Commercial and industrial |  |  | 2 |  |  |  | 191 |  |  |  | 191 |  |  |  | — |  |  |  | 100 |
Residential real estate |  |  | 1 |  |  |  | 114 |  |  |  | 114 |  |  |  | — |  |  |  | — |
Total accruing |  |  | 7 |  |  |  | 1,813 |  |  |  | 1,813 |  |  |  | — |  |  |  | 213 |
Non-accruing: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial real estate |  |  | 9 |  |  |  | 2,512 |  |  |  | 2,471 |  |  |  | 41 |  |  |  | 743 |
Commercial and industrial |  |  | 6 |  |  |  | 6,714 |  |  |  | 4,843 |  |  |  | 1,871 |  |  |  | 1,290 |
Total non-accruing |  |  | 15 |  |  |  | 9,226 |  |  |  | 7,314 |  |  |  | 1,912 |  |  |  | 2,033 |
Total troubled debt restructurings |  |  | 22 |  |  | $ | 11,039 |  |  | $ | 9,127 |  |  | $ | 1,912 |  |  | $ | 2,246 |
Note 6—Allowance for Loan and Lease Losses and Reserve for Unfunded Commitments (continued)
2017 |  | Number of Loans |  |  | Pre-Modification Outstanding Recorded Investment |  |  | Post-Modification Outstanding Recorded Investment |  |  | Charge-offs |  |  | Specific Reserves |
Accruing: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial real estate |  |  | 3 |  |  | $ | 912 |  |  | $ | 912 |  |  | $ | — |  |  | $ | — |
Residential real estate |  |  | 1 |  |  |  | 149 |  |  |  | 149 |  |  |  | — |  |  |  | — |
Total accruing |  |  | 4 |  |  |  | 1,061 |  |  |  | 1,061 |  |  |  | — |  |  |  | — |
Non-accruing: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial real estate |  |  | 2 |  |  |  | 743 |  |  |  | 743 |  |  |  | — |  |  |  | 111 |
Commercial and industrial |  |  | 3 |  |  |  | 1,246 |  |  |  | 759 |  |  |  | 487 |  |  |  | 246 |
Residential real estate |  |  | 1 |  |  |  | 67 |  |  |  | 67 |  |  |  | — |  |  |  | — |
Total non-accruing |  |  | 6 |  |  |  | 2,056 |  |  |  | 1,569 |  |  |  | 487 |  |  |  | 357 |
Total troubled debt restructurings |  |  | 10 |  |  | $ | 3,117 |  |  | $ | 2,630 |  |  | $ | 487 |  |  | $ | 357 |
Summary of Loans Modified as Troubled Debt Restructurings | Loans modified as troubled debt restructurings that occurred during the years ended December 31, 2019, 2018, and 2017:
|  | For the Year Ended |
|  | December 31, |
|  | 2019 |  |  | 2018 |  |  | 2017 |
Accruing: |  |  |  |  |  |  |  |  |  |  |  |
Beginning balance |  | $ | 1,813 |  |  | $ | 1,061 |  |  | $ | 602 |
Additions |  |  | 113 |  |  |  | 37 |  |  |  | 1,017 |
Net payments |  |  | (940 | ) |  |  | (86 | ) |  |  | (144 | )
Net transfers from (to) non-accrual |  |  | 785 |  |  |  | 801 |  |  |  | (414 | )
Ending balance |  |  | 1,771 |  |  |  | 1,813 |  |  |  | 1,061 |
Non-accruing: |  |  |  |  |  |  |  |  |  |  |  |
Beginning balance |  |  | 7,314 |  |  |  | 1,569 |  |  |  | 552 |
Additions |  |  | 5,254 |  |  |  | 8,408 |  |  |  | 681 |
Net payments |  |  | (2,310 | ) |  |  | (1,718 | ) |  |  | (78 | )
Charge-offs |  |  | (673 | ) |  |  | (144 | ) |  |  | — |
Net transfers from (to) accrual |  |  | (785 | ) |  |  | (801 | ) |  |  | 414 |
Ending balance |  |  | 8,800 |  |  |  | 7,314 |  |  |  | 1,569 |
Total troubled debt restructurings |  | $ | 10,571 |  |  | $ | 9,127 |  |  | $ | 2,630 |

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