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Allowance for Loan and Lease Losses and Reserve for Unfunded Commitments (Tables) | 9 Months Ended
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Sep. 30, 2021
Receivables [Abstract] |
Allowance for Loan and Lease Losses and Reserve for Unfunded Commitments | 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 three and nine months ended September 30, 2021 and 2020 are as follows:
September 30, 2021 |  | Commercial Real Estate |  |  | Residential Real Estate |  |  | Construction, Land Development, and Other Land |  |  | Commercial and Industrial |  |  | Paycheck Protection Program |  |  | Installment and Other |  |  | Lease Financing Receivables |  |  | Total |
Allowance for loan and lease losses |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Three months ended |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Beginning balance |  | $ | 19,541 |  |  | $ | 1,364 |  |  | $ | 619 |  |  | $ | 38,284 |  |  | $ | — |  |  | $ | 9 |  |  | $ | 1,902 |  |  | $ | 61,719 |
Provision/(recapture) |  |  | 1,108 |  |  |  | (225 | ) |  |  | (61 | ) |  |  | (1,218 | ) |  |  | — |  |  |  | (2 | ) |  |  | 750 |  |  |  | 352 |
Charge-offs |  |  | (564 | ) |  |  | (65 | ) |  |  | — |  |  |  | (1,456 | ) |  |  | — |  |  |  | — |  |  |  | (399 | ) |  |  | (2,484 | )
Recoveries |  |  | 287 |  |  |  | 2 |  |  |  | — |  |  |  | 380 |  |  |  | — |  |  |  | — |  |  |  | 342 |  |  |  | 1,011 |
Ending balance |  | $ | 20,372 |  |  | $ | 1,076 |  |  | $ | 558 |  |  | $ | 35,990 |  |  | $ | — |  |  | $ | 7 |  |  | $ | 2,595 |  |  | $ | 60,598 |
Nine months ended |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Beginning balance |  | $ | 19,584 |  |  | $ | 2,400 |  |  | $ | 1,352 |  |  | $ | 41,183 |  |  | $ | — |  |  | $ | 15 |  |  | $ | 1,813 |  |  | $ | 66,347 |
Provision/(recapture) |  |  | 2,891 |  |  |  | (1,257 | ) |  |  | (468 | ) |  |  | 226 |  |  |  | — |  |  |  | (8 | ) |  |  | 1,366 |  |  |  | 2,750 |
Charge-offs |  |  | (2,644 | ) |  |  | (76 | ) |  |  | (326 | ) |  |  | (6,172 | ) |  |  | — |  |  |  | — |  |  |  | (1,148 | ) |  |  | (10,366 | )
Recoveries |  |  | 541 |  |  |  | 9 |  |  |  | — |  |  |  | 753 |  |  |  | — |  |  |  | — |  |  |  | 564 |  |  |  | 1,867 |
Ending balance |  | $ | 20,372 |  |  | $ | 1,076 |  |  | $ | 558 |  |  | $ | 35,990 |  |  | $ | — |  |  | $ | 7 |  |  | $ | 2,595 |  |  | $ | 60,598 |
Ending balance: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Individually evaluated for impairment |  | $ | 8,420 |  |  | $ | — |  |  | $ | — |  |  | $ | 16,142 |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | 24,562 |
Collectively evaluated for impairment |  |  | 9,314 |  |  |  | 723 |  |  |  | 550 |  |  |  | 18,572 |  |  |  | — |  |  |  | 7 |  |  |  | 2,595 |  |  |  | 31,761 |
Loans acquired with deteriorated credit quality |  |  | 2,638 |  |  |  | 353 |  |  |  | 8 |  |  |  | 1,276 |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 4,275 |
Total allowance for loan and lease losses |  | $ | 20,372 |  |  | $ | 1,076 |  |  | $ | 558 |  |  | $ | 35,990 |  |  | $ | — |  |  | $ | 7 |  |  | $ | 2,595 |  |  | $ | 60,598 |
September 30, 2021 |  | Commercial Real Estate |  |  | Residential Real Estate |  |  | Construction, Land Development, and Other Land |  |  | Commercial and Industrial |  |  | Paycheck Protection Program |  |  | Installment and Other |  |  | Lease Financing Receivables |  |  | Total |
Loans and leases ending balance: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Individually evaluated for impairment |  | $ | 45,563 |  |  | $ | 3,946 |  |  | $ | — |  |  | $ | 37,689 |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | 87,198 |
Collectively evaluated for impairment |  |  | 1,487,994 |  |  |  | 441,915 |  |  |  | 336,666 |  |  |  | 1,492,065 |  |  |  | 268,081 |  |  |  | 1,273 |  |  |  | 338,756 |  |  |  | 4,366,750 |
Loans acquired with deteriorated credit quality |  |  | 84,821 |  |  |  | 61,893 |  |  |  | 1,746 |  |  |  | 6,651 |  |  |  | — |  |  |  | 169 |  |  |  | — |  |  |  | 155,280 |
Total loans and leases |  | $ | 1,618,378 |  |  | $ | 507,754 |  |  | $ | 338,412 |  |  | $ | 1,536,405 |  |  | $ | 268,081 |  |  | $ | 1,442 |  |  | $ | 338,756 |  |  | $ | 4,609,228 |
September 30, 2020 |  | Commercial Real Estate |  |  | Residential Real Estate |  |  | Construction, Land Development, and Other Land |  |  | Commercial and Industrial |  |  | Paycheck Protection Program |  |  | Installment and Other |  |  | Lease Financing Receivables |  |  | Total |
Allowance for loan and lease losses |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Three months ended |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Beginning balance |  | $ | 14,110 |  |  | $ | 3,741 |  |  | $ | 1,491 |  |  | $ | 30,108 |  |  | $ | — |  |  | $ | 36 |  |  | $ | 1,814 |  |  | $ | 51,300 |
Provision |  |  | 6,421 |  |  |  | 291 |  |  |  | 1,029 |  |  |  | 7,603 |  |  |  | — |  |  |  | 1 |  |  |  | 395 |  |  |  | 15,740 |
Charge-offs |  |  | (1,566 | ) |  |  | (250 | ) |  |  | (701 | ) |  |  | (3,254 | ) |  |  | — |  |  |  | — |  |  |  | (374 | ) |  |  | (6,145 | )
Recoveries |  |  | 19 |  |  |  | 8 |  |  |  | 53 |  |  |  | 83 |  |  |  | — |  |  |  | — |  |  |  | 200 |  |  |  | 363 |
Ending balance |  | $ | 18,984 |  |  | $ | 3,790 |  |  | $ | 1,872 |  |  | $ | 34,540 |  |  | $ | — |  |  | $ | 37 |  |  | $ | 2,035 |  |  | $ | 61,258 |
Nine months ended |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Beginning balance |  | $ | 7,965 |  |  | $ | 1,990 |  |  | $ | 610 |  |  | $ | 19,377 |  |  | $ | — |  |  | $ | 50 |  |  | $ | 1,944 |  |  | $ | 31,936 |
Provision/(recapture) |  |  | 14,149 |  |  |  | 2,031 |  |  |  | 1,910 |  |  |  | 26,844 |  |  |  | — |  |  |  | (13 | ) |  |  | 792 |  |  |  | 45,713 |
Charge-offs |  |  | (3,206 | ) |  |  | (259 | ) |  |  | (701 | ) |  |  | (12,057 | ) |  |  | — |  |  |  | — |  |  |  | (1,392 | ) |  |  | (17,615 | )
Recoveries |  |  | 76 |  |  |  | 28 |  |  |  | 53 |  |  |  | 376 |  |  |  | — |  |  |  | — |  |  |  | 691 |  |  |  | 1,224 |
Ending balance |  | $ | 18,984 |  |  | $ | 3,790 |  |  | $ | 1,872 |  |  | $ | 34,540 |  |  | $ | — |  |  | $ | 37 |  |  | $ | 2,035 |  |  | $ | 61,258 |
Ending balance: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Individually evaluated for impairment |  | $ | 4,516 |  |  | $ | 77 |  |  | $ | — |  |  | $ | 10,189 |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | 14,782 |
Collectively evaluated for impairment |  |  | 11,825 |  |  |  | 3,413 |  |  |  | 1,685 |  |  |  | 22,450 |  |  |  | — |  |  |  | 37 |  |  |  | 2,035 |  |  |  | 41,445 |
Loans acquired with deteriorated credit quality |  |  | 2,643 |  |  |  | 300 |  |  |  | 187 |  |  |  | 1,901 |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 5,031 |
Total allowance for loan and lease losses |  | $ | 18,984 |  |  | $ | 3,790 |  |  | $ | 1,872 |  |  | $ | 34,540 |  |  | $ | — |  |  | $ | 37 |  |  | $ | 2,035 |  |  | $ | 61,258 |
September 30, 2020 |  | Commercial Real Estate |  |  | Residential Real Estate |  |  | Construction, Land Development, and Other Land |  |  | Commercial and Industrial |  |  | Paycheck Protection Program |  |  | Installment and Other |  |  | Lease Financing Receivables |  |  | Total |
Loans and leases ending balance: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Individually evaluated for impairment |  | $ | 39,001 |  |  | $ | 1,636 |  |  | $ | — |  |  | $ | 37,253 |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | 77,890 |
Collectively evaluated for impairment |  |  | 1,191,740 |  |  |  | 547,563 |  |  |  | 234,230 |  |  |  | 1,281,067 |  |  |  | 622,191 |  |  |  | 2,929 |  |  |  | 200,089 |  |  |  | 4,079,809 |
Loans acquired with deteriorated credit quality |  |  | 117,114 |  |  |  | 84,197 |  |  |  | 4,804 |  |  |  | 10,489 |  |  |  | — |  |  |  | 214 |  |  |  | — |  |  |  | 216,818 |
Total loans and leases |  | $ | 1,347,855 |  |  | $ | 633,396 |  |  | $ | 239,034 |  |  | $ | 1,328,809 |  |  | $ | 622,191 |  |  | $ | 3,143 |  |  | $ | 200,089 |  |  | $ | 4,374,517 |
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, and related allowance for loans and leases considered impaired as of September 30, 2021 and December 31, 2020, which exclude acquired impaired loans. For purposes of these tables, the unpaid principal balance represents the outstanding contractual balance. Impaired loans include loans that are individually evaluated for impairment as well as troubled debt restructurings for all loan categories. The sum of non-accrual loans and loans past due 90 days still on accrual will differ from the total impaired loan amount.
September 30, 2021 |  | Recorded Investment |  |  | Unpaid Principal Balance |  |  | Related Allowance |
With no related allowance recorded |  |  |  |  |  |  |  |  |
Commercial real estate |  | $ | 20,432 |  |  | $ | 25,512 |  |  | $ | — |
Residential real estate |  |  | 3,850 |  |  |  | 3,901 |  |  |  | — |
Commercial and industrial |  |  | 14,212 |  |  |  | 15,999 |  |  |  | — |
With an allowance recorded |  |  |  |  |  |  |  |  |
Commercial real estate |  |  | 25,131 |  |  |  | 26,569 |  |  |  | 8,420 |
Residential real estate |  |  | 96 |  |  |  | 152 |  |  |  | — |
Commercial and industrial |  |  | 23,477 |  |  |  | 25,614 |  |  |  | 16,142 |
Total impaired loans |  | $ | 87,198 |  |  | $ | 97,747 |  |  | $ | 24,562 |
December 31, 2020 |  | Recorded Investment |  |  | Unpaid Principal Balance |  |  | Related Allowance |
With no related allowance recorded |  |  |  |  |  |  |  |  |
Commercial real estate |  | $ | 32,473 |  |  | $ | 34,792 |  |  | $ | — |
Residential real estate |  |  | 1,558 |  |  |  | 1,644 |  |  |  | — |
Commercial and industrial |  |  | 17,944 |  |  |  | 19,917 |  |  |  | — |
With an allowance recorded |  |  |  |  |  |  |  |  |
Commercial real estate |  |  | 13,696 |  |  |  | 14,919 |  |  |  | 5,034 |
Residential real estate |  |  | 272 |  |  |  | 274 |  |  |  | 78 |
Commercial and industrial |  |  | 29,412 |  |  |  | 32,018 |  |  |  | 18,848 |
Total impaired loans |  | $ | 95,355 |  |  | $ | 103,564 |  |  | $ | 23,960 |
Summary of Average Recorded Investment and Interest Income Recognized for Loans and Leases Considered Impaired | The following tables summarize the average recorded investment and interest income recognized for loans and leases considered impaired, which excludes acquired impaired loans, for the nine months ended:
September 30, 2021 |  | Average Recorded Investment |  |  | Interest Income Recognized |
With no related allowance recorded |  |  |  |  |  |
Commercial real estate |  | $ | 28,480 |  |  | $ | 920 |
Residential real estate |  |  | 2,788 |  |  |  | 109 |
Commercial and industrial |  |  | 16,668 |  |  |  | 481 |
With an allowance recorded |  |  |  |  |  |
Commercial real estate |  |  | 27,620 |  |  |  | 1,185 |
Residential real estate |  |  | 207 |  |  |  | 2 |
Commercial and industrial |  |  | 28,785 |  |  |  | 1,666 |
Total impaired loans |  | $ | 104,548 |  |  | $ | 4,363 |
September 30, 2020 |  | Average Recorded Investment |  |  | Interest Income Recognized |
With no related allowance recorded |  |  |  |  |  |
Commercial real estate |  | $ | 22,511 |  |  | $ | 927 |
Residential real estate |  |  | 1,615 |  |  |  | 26 |
Construction, land development, and other land |  |  | 2,984 |  |  |  | 220 |
Commercial and industrial |  |  | 16,991 |  |  |  | 493 |
With an allowance recorded |  |  |  |  |  |
Commercial real estate |  |  | 13,329 |  |  |  | 526 |
Residential real estate |  |  | 460 |  |  |  | 21 |
Commercial and industrial |  |  | 21,352 |  |  |  | 1,078 |
Total impaired loans |  | $ | 79,242 |  |  | $ | 3,291 |
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 September 30, 2021 and December 31, 2020:
September 30, 2021 |  | Commercial Real Estate |  |  | Residential Real Estate |  |  | Construction, Land Development, and Other Land |  |  | Commercial and Industrial |  |  | Paycheck Protection Program |  |  | Installment and Other |  |  | Lease Financing Receivables |  |  | Total |
Pass |  | $ | 1,297,981 |  |  | $ | 422,843 |  |  | $ | 291,496 |  |  | $ | 1,261,335 |  |  | $ | 268,081 |  |  | $ | 1,190 |  |  | $ | 335,475 |  |  | $ | 3,878,401 |
Watch |  |  | 143,047 |  |  |  | 16,862 |  |  |  | 37,795 |  |  |  | 196,288 |  |  |  | — |  |  |  | 83 |  |  |  | 264 |  |  |  | 394,339 |
Special Mention |  |  | 48,605 |  |  |  | 3,036 |  |  |  | 7,375 |  |  |  | 30,841 |  |  |  | — |  |  |  | — |  |  |  | 1,934 |  |  |  | 91,791 |
Substandard |  |  | 43,924 |  |  |  | 3,120 |  |  |  | — |  |  |  | 41,290 |  |  |  | — |  |  |  | — |  |  |  | 786 |  |  |  | 89,120 |
Doubtful |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 297 |  |  |  | 297 |
Loss |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Total |  | $ | 1,533,557 |  |  | $ | 445,861 |  |  | $ | 336,666 |  |  | $ | 1,529,754 |  |  | $ | 268,081 |  |  | $ | 1,273 |  |  | $ | 338,756 |  |  | $ | 4,453,948 |
December 31, 2020 |  | Commercial Real Estate |  |  | Residential Real Estate |  |  | Construction, Land Development, and Other Land |  |  | Commercial and Industrial |  |  | Paycheck Protection Program |  |  | Installment and Other |  |  | Lease Financing Receivables |  |  | Total |
Pass |  | $ | 1,064,623 |  |  | $ | 463,103 |  |  | $ | 180,458 |  |  | $ | 1,027,399 |  |  | $ | 517,815 |  |  | $ | 1,706 |  |  | $ | 222,818 |  |  | $ | 3,477,922 |
Watch |  |  | 134,381 |  |  |  | 22,086 |  |  |  | 46,162 |  |  |  | 225,930 |  |  |  | — |  |  |  | 96 |  |  |  | 47 |  |  |  | 428,702 |
Special Mention |  |  | 60,022 |  |  |  | 3,795 |  |  |  | — |  |  |  | 56,784 |  |  |  | — |  |  |  | — |  |  |  | 2,721 |  |  |  | 123,322 |
Substandard |  |  | 54,160 |  |  |  | 4,447 |  |  |  | — |  |  |  | 48,609 |  |  |  | — |  |  |  | 1 |  |  |  | 955 |  |  |  | 108,172 |
Doubtful |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 600 |  |  |  | 600 |
Loss |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Total |  | $ | 1,313,186 |  |  | $ | 493,431 |  |  | $ | 226,620 |  |  | $ | 1,358,722 |  |  | $ | 517,815 |  |  | $ | 1,803 |  |  | $ | 227,141 |  |  | $ | 4,138,718 |
Summary of Contractual Delinquency Information | The following tables summarize contractual delinquency information for acquired non-impaired and originated loans and leases by category at September 30, 2021 and December 31, 2020:
September 30, 2021 |  | 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 |  | $ | 330 |  |  | $ | 1,426 |  |  | $ | — |  |  | $ | 17,082 |  |  | $ | 18,838 |  |  | $ | 1,514,719 |  |  | $ | 1,533,557 |
Residential real estate |  |  | 1,087 |  |  |  | — |  |  |  | — |  |  |  | 2,127 |  |  |  | 3,214 |  |  |  | 442,647 |  |  |  | 445,861 |
Construction, land development, and other land |  |  | 2,035 |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 2,035 |  |  |  | 334,631 |  |  |  | 336,666 |
Commercial and industrial |  |  | 1,653 |  |  |  | 594 |  |  |  | — |  |  |  | 14,272 |  |  |  | 16,519 |  |  |  | 1,513,235 |  |  |  | 1,529,754 |
Paycheck Protection Program |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 268,081 |  |  |  | 268,081 |
Installment and other |  |  | 39 |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 39 |  |  |  | 1,234 |  |  |  | 1,273 |
Lease financing receivables |  |  | 973 |  |  |  | 98 |  |  |  | — |  |  |  | 984 |  |  |  | 2,055 |  |  |  | 336,701 |  |  |  | 338,756 |
Total |  | $ | 6,117 |  |  | $ | 2,118 |  |  | $ | — |  |  | $ | 34,465 |  |  | $ | 42,700 |  |  | $ | 4,411,248 |  |  | $ | 4,453,948 |
December 31, 2020 |  | 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 |  | $ | 1,544 |  |  | $ | 4,194 |  |  | $ | — |  |  | $ | 15,969 |  |  | $ | 21,707 |  |  | $ | 1,291,479 |  |  | $ | 1,313,186 |
Residential real estate |  |  | 1,686 |  |  |  | — |  |  |  | — |  |  |  | 1,929 |  |  |  | 3,615 |  |  |  | 489,816 |  |  |  | 493,431 |
Construction, land development, and other land |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 226,620 |  |  |  | 226,620 |
Commercial and industrial |  |  | 4,521 |  |  |  | 1,290 |  |  |  | — |  |  |  | 21,936 |  |  |  | 27,747 |  |  |  | 1,330,975 |  |  |  | 1,358,722 |
Paycheck Protection Program |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 517,815 |  |  |  | 517,815 |
Installment and other |  |  | 6 |  |  |  | — |  |  |  | — |  |  |  | 1 |  |  |  | 7 |  |  |  | 1,796 |  |  |  | 1,803 |
Lease financing receivables |  |  | 996 |  |  |  | 376 |  |  |  | — |  |  |  | 1,268 |  |  |  | 2,640 |  |  |  | 224,501 |  |  |  | 227,141 |
Total |  | $ | 8,753 |  |  | $ | 5,860 |  |  | $ | — |  |  | $ | 41,103 |  |  | $ | 55,716 |  |  | $ | 4,083,002 |  |  | $ | 4,138,718 |
Summary of TDR's by Loan Category | The tables below present TDRs by loan category as of September 30, 2021 and December 31, 2020:
September 30, 2021 |  | Number of Loans |  |  | Pre- Modification Outstanding Recorded Investment |  |  | Post- Modification Outstanding Recorded Investment |  |  | Charge-offs |  |  | Specific Reserves |
Accruing: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial real estate |  |  | 7 |  |  | $ | 2,130 |  |  | $ | 2,130 |  |  | $ | — |  |  | $ | 209 |
Commercial and industrial |  |  | 1 |  |  |  | 63 |  |  |  | 63 |  |  |  | — |  |  |  | 63 |
Residential real estate |  |  | 2 |  |  |  | 173 |  |  |  | 173 |  |  |  | — |  |  |  | — |
Total accruing |  |  | 10 |  |  |  | 2,366 |  |  |  | 2,366 |  |  |  | — |  |  |  | 272 |
Non-accruing: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial real estate |  |  | 3 |  |  |  | 856 |  |  |  | 740 |  |  |  | 116 |  |  |  | 311 |
Commercial and industrial |  |  | 3 |  |  |  | 1,730 |  |  |  | 1,107 |  |  |  | 623 |  |  |  | 508 |
Total non-accruing |  |  | 6 |  |  |  | 2,586 |  |  |  | 1,847 |  |  |  | 739 |  |  |  | 819 |
Total troubled debt restructurings |  |  | 16 |  |  | $ | 4,952 |  |  | $ | 4,213 |  |  | $ | 739 |  |  | $ | 1,091 |
December 31, 2020 |  | Number of Loans |  |  | Pre- Modification Outstanding Recorded Investment |  |  | Post- Modification Outstanding Recorded Investment |  |  | Charge-offs |  |  | Specific Reserves |
Accruing: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial real estate |  |  | 8 |  |  | $ | 2,187 |  |  | $ | 2,187 |  |  | $ | — |  |  | $ | 104 |
Commercial and industrial |  |  | 1 |  |  |  | 78 |  |  |  | 78 |  |  |  | — |  |  |  | 78 |
Residential real estate |  |  | 3 |  |  |  | 230 |  |  |  | 230 |  |  |  | — |  |  |  | — |
Total accruing |  |  | 12 |  |  |  | 2,495 |  |  |  | 2,495 |  |  |  | — |  |  |  | 182 |
Non-accruing: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial real estate |  |  | 4 |  |  |  | 1,609 |  |  |  | 1,362 |  |  |  | 247 |  |  |  | 102 |
Commercial and industrial |  |  | 14 |  |  |  | 4,420 |  |  |  | 4,288 |  |  |  | 132 |  |  |  | 3,157 |
Total non-accruing |  |  | 18 |  |  |  | 6,029 |  |  |  | 5,650 |  |  |  | 379 |  |  |  | 3,259 |
Total troubled debt restructurings |  |  | 30 |  |  | $ | 8,524 |  |  | $ | 8,145 |  |  | $ | 379 |  |  | $ | 3,441 |
Summary of Loans Modified as Troubled Debt Restructurings | Loans modified as troubled debt restructurings that occurred during the three and nine months ended September 30, 2021 and 2020 were:
|  | Three Months Ended |  |  | Nine Months Ended |
|  | September 30, |  |  | September 30, |
|  | 2021 |  |  | 2020 |  |  | 2021 |  |  | 2020 |
Accruing: |  |  |  |  |  |  |  |  |  |  |  |
Beginning balance |  | $ | 2,395 |  |  | $ | 3,151 |  |  | $ | 2,495 |  |  | $ | 1,771 |
Additions |  |  | — |  |  |  | 604 |  |  |  | 281 |  |  |  | 604 |
Net payments |  |  | (29 | ) |  |  | (1,462 | ) |  |  | (410 | ) |  |  | (1,538 | )
Net transfers from non-accrual |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 1,456 |
Ending balance |  |  | 2,366 |  |  |  | 2,293 |  |  |  | 2,366 |  |  |  | 2,293 |
Non-accruing: |  |  |  |  |  |  |  |  |  |  |  |
Beginning balance |  |  | 4,441 |  |  |  | 7,449 |  |  |  | 5,650 |  |  |  | 8,800 |
Additions |  |  | — |  |  |  | — |  |  |  | 673 |  |  |  | 5,633 |
Net payments |  |  | (2,584 | ) |  |  | (302 | ) |  |  | (3,568 | ) |  |  | (1,688 | )
Charge-offs |  |  | (10 | ) |  |  | (852 | ) |  |  | (908 | ) |  |  | (4,994 | )
Net transfers to accrual |  |  | — |  |  |  | — |  |  |  | — |  |  |  | (1,456 | )
Ending balance |  |  | 1,847 |  |  |  | 6,295 |  |  |  | 1,847 |  |  |  | 6,295 |
Total troubled debt restructurings |  | $ | 4,213 |  |  | $ | 8,588 |  |  | $ | 4,213 |  |  | $ | 8,588 |

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