XML 28 R12.htm IDEA: XBRL DOCUMENT
v3.20.4

Note 4 - Loans/Leases Receivable | 12 Months Ended
--- | ---
Dec. 31, 2020
Notes to Financial Statements |
Loans/Leases Receivable | Note 4. Loans/Leases Receivable The composition of the loan/lease portfolio as of December 31, 2020 and 2019 is presented as follows: ​
​ | ​ | ​ | ​ | ​ | ​ | ​
​ |  | 2020 | ​ | 2019
​ | ​ | (dollars in thousands)
​ | ​ | ​ | ​ | ​ | ​ | ​
C&I loans* | ​ | $ | 1,726,723 | ​ | $ | 1,507,825
CRE loans | ​ |  |  | ​ |  |
Owner-occupied CRE | ​ |  | 496,471 | ​ |  | 443,989
Commercial construction, land development, and other land | ​ |  | 541,455 | ​ |  | 378,797
Other non owner-occupied CRE | ​ |  | 1,069,703 | ​ |  | 913,610
​ | ​ |  | 2,107,629 | ​ |  | 1,736,396
​ | ​ | ​ | ​ | ​ | ​ | ​
Direct financing leases ** | ​ |  | 66,016 | ​ |  | 87,869
Residential real estate loans *** | ​ |  | 252,121 | ​ |  | 239,904
Installment and other consumer loans | ​ |  | 91,302 | ​ |  | 109,352
​ | ​ |  | 4,243,791 | ​ |  | 3,681,346
Plus deferred loan/lease origination costs, net of fees | ​ |  | 7,338 | ​ |  | 8,859
​ | ​ |  | 4,251,129 | ​ |  | 3,690,205
Less allowance | ​ |  | (84,376) | ​ |  | (36,001)
​ | ​ | $ | 4,166,753 | ​ | $ | 3,654,204
** Direct financing leases: | ​ |  |  | ​ |  |
Net minimum lease payments to be received | ​ | $ | 72,940 | ​ | $ | 97,025
Estimated unguaranteed residual values of leased assets | ​ |  | 239 | ​ |  | 547
Unearned lease/residual income | ​ |  | (7,163) | ​ |  | (9,703)
​ | ​ |  | 66,016 | ​ |  | 87,869
Plus deferred lease origination costs, net of fees | ​ |  | 1,072 | ​ |  | 1,892
​ | ​ |  | 67,088 | ​ |  | 89,761
Less allowance | ​ |  | (1,764) | ​ |  | (1,464)
​ | ​ | $ | 65,324 | ​ | $ | 88,297
​ ​ * Includes equipment financing agreements outstanding at m2, totaling $171.5 million and $142.0 million as of December 31, 2020 and 2019, respectively. ​
** | Management performs an evaluation of the estimated unguaranteed residual values of leased assets on an annual basis, at a minimum. The evaluation consists of discussions with reputable and current vendors and management’s expertise and understanding of the current states of particular industries to determine informal valuations of the equipment. As necessary and where available, management will utilize valuations by independent appraisers. The large majority of leases with residual values contain a lease options rider which requires the lessee to pay the residual value directly, finance the payment of the residual value, or extend the lease term to pay the residual value. In these cases, the residual value is protected and the risk of loss is minimal.
At December 31, 2020, the Company had three leases remaining with residual values totaling $239 thousand that were not protected with a lease end options rider. At December 31, 2019, the Company had six leases remaining with residual values totaling approximately $547 thousand that were not protected with a lease end options rider. Management has performed specific evaluations of these unguaranteed residual values and determined that the valuations are appropriate. There were no losses related to unguaranteed residual values during the years ended December 31, 2020, 2019, and 2018. ***Includes residential real estate loans held for sale totaling $3.8 million and $3.7 million as of December 31, 2020 and 2019, respectively. Note 4. Loans/Leases Receivable (continued) Changes in accretable yield for the loans acquired in the mergers and acquisitions are as follows: ​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | For the year ended December 31, 2020
​ | ​ | PCI |  | Performing |  | ​ | ​
​ | ​ | Loans | ​ | Loans | ​ | Total
​ | ​ | (dollars in thousands)
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Balance at the beginning of the period | ​ | $ | (57) | ​ | $ | (6,378) | ​ | $ | (6,435)
Reclassification of nonaccretable discount to accretable | ​ | ​ | (530) | ​ | ​ | — | ​ | ​ | (530)
Reclassification of nonaccretable discount to allowance | ​ | ​ | — | ​ | ​ | 353 | ​ | ​ | 353
Accretion recognized | ​ |  | 587 | ​ |  | 2,886 | ​ |  | 3,473
Balance at the end of the period | ​ | $ | — | ​ | $ | (3,139) | ​ | $ | (3,139)
​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | For the year ended December 31, 2019
​ | ​ | PCI |  | Performing |  | ​ | ​
​ | ​ | Loans | ​ | Loans | ​ | Total
​ | ​ | (dollars in thousands)
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Balance at the beginning of the period | ​ | $ | (667) | ​ | $ | (10,127) | ​ | $ | (10,794)
Reclassification of nonaccretable discount to accretable | ​ | ​ | (275) | ​ | ​ | — | ​ | ​ | (275)
Accretion recognized | ​ |  | 885 | ​ |  | 3,749 | ​ |  | 4,634
Balance at the end of the period | ​ | $ | (57) | ​ | $ | (6,378) | ​ | $ | (6,435)
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | For the year ended December 31, 2018
​ | ​ | PCI |  | Performing |  | ​ | ​
​ | ​ | Loans | ​ | Loans | ​ | Total
​ | ​ | (dollars in thousands)
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Balance at the beginning of the period | ​ | $ | (191) | ​ | $ | (6,280) | ​ | $ | (6,471)
Discount added at acquisition | ​ |  | (293) | ​ |  | (7,800) | ​ |  | (8,093)
Reclassification of nonaccretable discount to accretable | ​ | ​ | (892) | ​ | ​ | (470) | ​ | ​ | (1,362)
Accretion recognized | ​ |  | 709 | ​ |  | 4,423 | ​ |  | 5,132
Balance at the end of the period | ​ | $ | (667) | ​ | $ | (10,127) | ​ | $ | (10,794)
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Note 4. Loans/Leases Receivable (continued) ​ The aging of the loan/lease portfolio by classes of loans/leases as of December 31, 2020 and 2019 is presented as follows: ​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | 2020 |
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | Accruing Past | ​ | ​ | ​ | ​ |
​ | ​ | ​ | ​ | 30-59 Days | ​ | 60-89 Days | ​ | Due 90 Days or | ​ | Nonaccrual | ​ | ​ |
Classes of Loans/Leases |  | Current |  | Past Due |  | Past Due |  | More |  | Loans/Leases |  | Total |
​ | ​ | (dollars in thousands) | ​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
C&I | ​ | $ | 1,720,058 | ​ | $ | 1,535 | ​ | $ | 323 | ​ | $ | — | ​ | $ | 4,807 | ​ | $ | 1,726,723 | ​
CRE | ​ |  |  | ​ |  |  | ​ |  |  | ​ |  |  | ​ |  |  | ​ |  |  | ​
Owner-Occupied CRE | ​ |  | 496,459 | ​ |  | — | ​ |  | — | ​ |  | — | ​ |  | 12 | ​ |  | 496,471 | ​
Commercial Construction, Land Development, and Other Land | ​ |  | 541,455 | ​ |  | — | ​ |  | — | ​ |  | — | ​ |  | — | ​ |  | 541,455 | ​
Other Non Owner-Occupied CRE | ​ |  | 1,062,215 | ​ |  | — | ​ |  | — | ​ |  | — | ​ |  | 7,488 | ​ |  | 1,069,703 | ​
Direct Financing Leases | ​ |  | 64,918 | ​ |  | 501 | ​ |  | 191 | ​ |  | — | ​ |  | 406 | ​ |  | 66,016 | ​
Residential Real Estate | ​ |  | 249,364 | ​ |  | 1,512 | ​ |  | 223 | ​ |  | — | ​ |  | 1,022 | ​ |  | 252,121 | ​
Installment and Other Consumer | ​ |  | 91,047 | ​ |  | 43 | ​ |  | 4 | ​ |  | 3 | ​ |  | 205 | ​ |  | 91,302 | ​
​ | ​ | $ | 4,225,516 | ​ | $ | 3,591 | ​ | $ | 741 | ​ | $ | 3 | ​ | $ | 13,940 | ​ | $ | 4,243,791 | ​
​ | ​ |  |  | ​ |  |  | ​ |  |  | ​ |  |  | ​ |  |  | ​ |  |  | ​
As a percentage of total loan/lease portfolio | ​ |  | 99.57 | % |  | 0.08 | % |  | 0.02 | % |  | 0.00 | % |  | 0.33 | % |  | 100.00 | %
​ ​ ​ ​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | 2019 |
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | Accruing Past | ​ | ​ | ​ | ​ |
​ | ​ | ​ | ​ | 30-59 Days | ​ | 60-89 Days | ​ | Due 90 Days or | ​ | Nonaccrual | ​ | ​ |
Classes of Loans/Leases |  | Current |  | Past Due |  | Past Due |  | More |  | Loans/Leases |  | Total |
​ | ​ | (dollars in thousands) | ​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
C&I | ​ | $ | 1,499,891 | ​ | $ | 6,126 | ​ | $ | 572 | ​ | $ | — | ​ | $ | 1,236 | ​ | $ | 1,507,825 | ​
CRE | ​ |  |  | ​ |  |  | ​ |  |  | ​ |  |  | ​ |  | ​ | ​ |  |  | ​
Owner-Occupied CRE | ​ |  | 443,707 | ​ |  | 177 | ​ |  | 71 | ​ |  | — | ​ |  | 34 | ​ |  | 443,989 | ​
Commercial Construction, Land Development, and Other Land | ​ |  | 375,940 | ​ |  | 2,857 | ​ |  | — | ​ |  | — | ​ |  | — | ​ |  | 378,797 | ​
Other Non Owner-Occupied CRE | ​ |  | 909,684 | ​ |  | 73 | ​ |  | — | ​ |  | — | ​ |  | 3,853 | ​ |  | 913,610 | ​
Direct Financing Leases | ​ |  | 85,636 | ​ |  | 463 | ​ |  | 253 | ​ |  | — | ​ |  | 1,517 | ​ |  | 87,869 | ​
Residential Real Estate | ​ |  | 235,845 | ​ |  | 2,939 | ​ |  | 414 | ​ |  | — | ​ |  | 706 | ​ |  | 239,904 | ​
Installment and Other Consumer | ​ |  | 108,750 | ​ |  | 3 | ​ |  | 10 | ​ |  | 33 | ​ |  | 556 | ​ |  | 109,352 | ​
​ | ​ | $ | 3,659,453 | ​ | $ | 12,638 | ​ | $ | 1,320 | ​ | $ | 33 | ​ | $ | 7,902 | ​ | $ | 3,681,346 | ​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
As a percentage of total loan/lease portfolio | ​ |  | 99.41 | % |  | 0.34 | % |  | 0.04 | % |  | 0.00 | % |  | 0.21 | % |  | 100.00 | %
​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Note 4. Loans/Leases Receivable (continued) ​ NPLs by classes of loans/leases as of December 31, 2020 and 2019 is presented as follows: ​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | 2020 | ​
​ | ​ | Accruing Past | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | Due 90 Days or | ​ | Nonaccrual | ​ | ​ | ​ | ​ | ​ | ​ | Percentage of | ​
Classes of Loans/Leases |  | More |  | Loans/Leases * |  | Accruing TDRs |  | Total NPLs |  | Total NPLs |
​ |  | (dollars in thousands) | ​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
C&I | ​ | $ | — | ​ | $ | 4,807 | ​ | $ | 606 | ​ | $ | 5,413 |  | 36.87 | %
CRE | ​ |  | ​ | ​ |  | ​ | ​ |  | ​ | ​ |  |  |  |  | ​
Owner-Occupied CRE | ​ |  | — | ​ |  | 12 | ​ |  | — | ​ |  | 12 |  | 0.08 | %
Commercial Construction, Land Development, and Other Land | ​ |  | — | ​ |  | — | ​ |  | — | ​ |  | — |  | - | %
Other Non Owner-Occupied CRE | ​ |  | — | ​ |  | 7,488 | ​ |  | — | ​ |  | 7,488 |  | 50.99 | %
Direct Financing Leases | ​ |  | — | ​ |  | 406 | ​ |  | 135 | ​ |  | 541 |  | 3.68 | %
Residential Real Estate | ​ |  | — | ​ |  | 1,022 | ​ |  | — | ​ |  | 1,022 |  | 6.96 | %
Installment and Other Consumer | ​ |  | 3 | ​ |  | 205 | ​ |  | — | ​ |  | 208 |  | 1.42 | %
​ | ​ | $ | 3 | ​ | $ | 13,940 | ​ | $ | 741 | ​ | $ | 14,684 |  | 100.00 | %
​ * At December 31, 2020, nonaccrual loans/leases included $984 thousand of TDRs, including $836 thousand in CRE loans, $100 thousand in direct financing leases, and $48 thousand in installment loans. ​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | 2019 |
​ | ​ | Accruing Past | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ |
​ | ​ | Due 90 Days or | ​ | Nonaccrual | ​ | ​ | ​ | ​ | ​ | Percentage of |
Classes of Loans/Leases |  | More |  | Loans/Leases * |  | Accruing TDRs |  | Total NPLs |  | Total NPLs |
​ |  | ​ | (dollars in thousands)
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
C&I | ​ | $ | — | ​ | $ | 1,236 | ​ | $ | 646 | ​ | $ | 1,882 |  | 21.12 | %
CRE | ​ |  |  | ​ |  |  | ​ |  |  | ​ |  |  |  |  | ​
Owner-Occupied CRE | ​ |  | — | ​ |  | 34 | ​ |  | — | ​ |  | 34 |  | 0.38 | %
Commercial Construction, Land Development, and Other Land | ​ |  | — | ​ |  | — | ​ |  | — | ​ |  | — |  | - | %
Other Non Owner-Occupied CRE | ​ |  | — | ​ |  | 3,853 | ​ |  | — | ​ |  | 3,853 |  | 43.22 | %
Direct Financing Leases | ​ |  | — | ​ |  | 1,517 | ​ |  | 333 | ​ |  | 1,850 |  | 20.75 | %
Residential Real Estate | ​ |  | — | ​ |  | 706 | ​ |  | — | ​ |  | 706 |  | 7.92 | %
Installment and Other Consumer | ​ |  | 33 | ​ |  | 556 | ​ |  | — | ​ |  | 589 |  | 6.61 | %
​ | ​ | $ | 33 | ​ | $ | 7,902 | ​ | $ | 979 | ​ | $ | 8,914 |  | 100.00 | %
​ * At December 31, 2019, accruing past due 90 days or more included $747 thousand of TDRs, including $98 thousand in C&I loans and $269 thousand in CRE loans, $294 thousand in direct financing leases, $31 thousand in residential real estate loans and $55 thousand in installment loans. ​ ​ ​ ​ ​ ​ Note 4. Loans/Leases Receivable (continued) Changes in the allowance by portfolio segment for the years ended December 31, 2020, 2019, and 2018 are presented as follows:
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | Year Ended December 31, 2020
​ | ​ | ​ | ​ | ​ | ​ | Direct Financing | ​ | Residential Real | ​ | ​ | ​ | ​
​ |  | C&I | ​ | CRE | ​ | Leases |  | Estate | ​ | Consumer | ​ | Total
​ |  | (dollars in thousands)
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Balance, beginning | ​ | $ | 16,072 | ​ | $ | 15,379 | ​ | $ | 1,464 | ​ | $ | 1,948 | ​ | $ | 1,138 | ​ | $ | 36,001
Provisions charged to expense | ​ |  | 22,899 | ​ |  | 28,671 | ​ |  | 2,148 | ​ |  | 1,755 | ​ |  | 231 | ​ |  | 55,704
Loans/leases charged off | ​ |  | (4,199) | ​ |  | (2,071) | ​ |  | (1,993) | ​ |  | — | ​ |  | (120) | ​ |  | (8,383)
Recoveries on loans/leases previously charged off | ​ |  | 649 | ​ |  | 182 | ​ |  | 145 | ​ |  | 29 | ​ |  | 49 | ​ |  | 1,054
Balance, ending | ​ | $ | 35,421 | ​ | $ | 42,161 | ​ | $ | 1,764 | ​ | $ | 3,732 | ​ | $ | 1,298 | ​ | $ | 84,376
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ ​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | Year Ended December 31, 2019
​ | ​ | ​ | ​ | ​ | ​ | Direct Financing | ​ | Residential Real | ​ | Installment and | ​ | ​
​ |  | C&I |  | CRE |  | Leases |  | Estate |  | Other Consumer |  | Total
​ | ​ | (dollars in thousands)
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Balance, beginning | ​ | $ | 16,420 | ​ | $ | 17,719 | ​ | $ | 1,792 | ​ | $ | 2,557 | ​ | $ | 1,359 | ​ | $ | 39,847
Reclassification of allowance related to held for sale assets | ​ | ​ | (2,814) | ​ | ​ | (2,392) | ​ | ​ | — | ​ | ​ | (628) | ​ | ​ | (288) | ​ | ​ | (6,122)
Provisions (credits) charged to expense* | ​ |  | 3,666 | ​ |  | 1,566 | ​ |  | 1,129 | ​ |  | 163 | ​ |  | 114 | ​ |  | 6,638
Loans/leases charged off | ​ |  | (1,476) | ​ |  | (1,722) | ​ |  | (1,647) | ​ |  | (191) | ​ |  | (98) | ​ |  | (5,134)
Recoveries on loans/leases previously charged off | ​ |  | 276 | ​ |  | 208 | ​ |  | 190 | ​ |  | 47 | ​ |  | 51 | ​ |  | 772
Balance, ending | ​ | $ | 16,072 | ​ | $ | 15,379 | ​ | $ | 1,464 | ​ | $ | 1,948 | ​ | $ | 1,138 | ​ | $ | 36,001
​ *Excludes provision related to loans included in assets held for sale during the year of $428 thousand for the year ending December 31, 2019. ​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | Year Ended December 31, 2018
​ |  | ​ | ​ |  | ​ | ​ |  | Direct Financing |  | Residential Real |  | Installment and |  | ​ | ​
​ | ​ | C&I | ​ | CRE | ​ | Leases | ​ | Estate | ​ | Other Consumer | ​ | Total
​ |  | (dollars in thousands)
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Balance, beginning | ​ | $ | 14,323 | ​ | $ | 13,963 | ​ | $ | 2,382 | ​ | $ | 2,466 | ​ | $ | 1,222 | ​ | $ | 34,356
Provisions charged to expense | ​ |  | 7,161 | ​ |  | 4,094 | ​ |  | 1,068 | ​ |  | 193 | ​ |  | 142 | ​ |  | 12,658
Loans/leases charged off | ​ |  | (5,359) | ​ |  | (387) | ​ |  | (2,002) | ​ |  | (127) | ​ |  | (44) | ​ |  | (7,919)
Recoveries on loans/leases previously charged off | ​ |  | 295 | ​ |  | 49 | ​ |  | 344 | ​ |  | 25 | ​ |  | 39 | ​ |  | 752
Balance, ending | ​ | $ | 16,420 | ​ | $ | 17,719 | ​ | $ | 1,792 | ​ | $ | 2,557 | ​ | $ | 1,359 | ​ | $ | 39,847
​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Note 4. Loans/Leases Receivable (continued) ​ The allowance by impairment evaluation and by portfolio segment as of December 31, 2020 and 2019 is presented as follows:
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | 2020 |
​ | ​ | ​ | ​ | ​ | ​ | Direct Financing | ​ | Residential Real | ​ | Installment and | ​ | ​ |
​ |  | C&I |  | CRE |  | Leases |  | Estate |  | Other Consumer |  | Total |
​ | ​ | (dollars in thousands) | ​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Allowance for impaired loans/leases | ​ | $ | 650 | ​ | $ | 1,938 | ​ | $ | — | ​ | $ | 20 | ​ | $ | 72 | ​ | $ | 2,680 | ​
Allowance for nonimpaired loans/leases | ​ |  | 34,771 | ​ |  | 40,223 | ​ |  | 1,764 | ​ |  | 3,712 | ​ |  | 1,226 | ​ |  | 81,696 | ​
​ | ​ | $ | 35,421 | ​ | $ | 42,161 | ​ | $ | 1,764 | ​ | $ | 3,732 | ​ | $ | 1,298 | ​ | $ | 84,376 | ​
​ | ​ |  |  | ​ |  |  | ​ |  |  | ​ |  |  | ​ |  |  | ​ |  |  | ​
Impaired loans/leases | ​ | $ | 5,381 | ​ | $ | 7,487 | ​ | $ | 578 | ​ | $ | 977 | ​ | $ | 205 | ​ | $ | 14,628 | ​
Nonimpaired loans/leases | ​ |  | 1,721,342 | ​ |  | 2,100,142 | ​ |  | 65,438 | ​ |  | 251,144 | ​ |  | 91,097 | ​ |  | 4,229,163 | ​
​ | ​ | $ | 1,726,723 | ​ | $ | 2,107,629 | ​ | $ | 66,016 | ​ | $ | 252,121 | ​ | $ | 91,302 | ​ | $ | 4,243,791 | ​
​ | ​ |  |  | ​ |  |  | ​ |  |  | ​ |  |  | ​ |  |  | ​ |  |  | ​
Allowance as a percentage of impaired loans/leases | ​ |  | 12.08 | % |  | 25.88 | % |  | — | % |  | 2.05 | % |  | 35.12 | % |  | 18.32 | %
Allowance as a percentage of nonimpaired loans/leases | ​ |  | 2.02 | % |  | 1.92 | % |  | 2.70 | % |  | 1.48 | % |  | 1.35 | % |  | 1.93 | %
Total allowance as a percentage of total loans/leases | ​ |  | 2.05 | % |  | 2.00 | % |  | 2.67 | % |  | 1.48 | % |  | 1.42 | % |  | 1.99 | %
​ | ​ |  | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ ​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | 2019 |
​ | ​ | ​ | ​ | ​ | ​ | Direct Financing | ​ | Residential Real | ​ | Installment and | ​ | ​ |
​ |  | C&I |  | CRE |  | Leases |  | Estate |  | Other Consumer |  | Total |
​ |  | (dollars in thousands) | ​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Allowance for impaired loans/leases | ​ | $ | 170 | ​ | $ | 125 | ​ | $ | 270 | ​ | $ | 15 | ​ | $ | 80 | ​ | $ | 660 | ​
Allowance for nonimpaired loans/leases | ​ |  | 15,902 | ​ |  | 15,254 | ​ |  | 1,194 | ​ |  | 1,933 | ​ |  | 1,058 | ​ |  | 35,341 | ​
​ | ​ | $ | 16,072 | ​ | $ | 15,379 | ​ | $ | 1,464 | ​ | $ | 1,948 | ​ | $ | 1,138 | ​ | $ | 36,001 | ​
​ | ​ |  |  | ​ |  |  | ​ |  |  | ​ |  |  | ​ |  |  | ​ |  |  | ​
Impaired loans/leases | ​ | $ | 1,846 | ​ | $ | 3,585 | ​ | $ | 2,025 | ​ | $ | 649 | ​ | $ | 556 | ​ | $ | 8,661 | ​
Nonimpaired loans/leases | ​ |  | 1,505,979 | ​ |  | 1,732,811 | ​ |  | 85,844 | ​ |  | 239,255 | ​ |  | 108,796 | ​ |  | 3,672,685 | ​
​ | ​ | $ | 1,507,825 | ​ | $ | 1,736,396 | ​ | $ | 87,869 | ​ | $ | 239,904 | ​ | $ | 109,352 | ​ | $ | 3,681,346 | ​
​ | ​ |  |  | ​ |  |  | ​ |  |  | ​ |  |  | ​ |  |  | ​ |  |  | ​
Allowance as a percentage of impaired loans/leases | ​ |  | 9.21 | % |  | 3.49 | % |  | 13.33 | % |  | 2.31 | % |  | 14.39 | % |  | 7.62 | %
Allowance as a percentage of nonimpaired loans/leases | ​ |  | 1.06 | % |  | 0.88 | % |  | 1.39 | % |  | 0.81 | % |  | 0.97 | % |  | 0.96 | %
Total allowance as a percentage of total loans/leases | ​ |  | 1.07 | % |  | 0.89 | % |  | 1.67 | % |  | 0.81 | % |  | 1.04 | % |  | 0.98 | %
​ | ​ |  | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Note 4. Loans/Leases Receivable (continued) ​ Loans/leases, by classes of financing receivable, considered to be impaired as of and for the years ended December 31, 2020, 2019, and 2018 are presented below. The recorded investment represents customer balances net of any partial charge-offs recognized on the loan/lease. The unpaid principal balance represents the recorded balance outstanding on the loan/lease prior to any partial charge-offs. ​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | 2020
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | Interest Income
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | Average | ​ | ​ | ​ | ​ | Recognized for
​ | ​ | Recorded | ​ | Unpaid Principal | ​ | Related | ​ | Recorded | ​ | Interest Income | ​ | Cash Payments
Classes of Loans/Leases |  | Investment |  | Balance |  | Allowance |  | Investment |  | Recognized |  | Received
​ | ​ | (dollars in thousands)
​ |  | ​ |  |  | ​ |  |  | ​ |  |  | ​ |  |  | ​ |  |  | ​ |
Impaired Loans/Leases with No Specific Allowance Recorded: |  | ​ |  |  | ​ |  |  | ​ |  |  | ​ |  |  | ​ |  |  | ​ |
C&I | ​ | $ | 1,361 | ​ | $ | 1,441 | ​ | $ | — | ​ | $ | 1,002 | ​ | $ | 33 | ​ | $ | 33
CRE | ​ |  |  | ​ |  | ​ | ​ |  |  | ​ |  |  | ​ |  |  | ​ |  |
Owner-Occupied CRE | ​ |  | — | ​ |  | — | ​ |  | — | ​ |  | — | ​ |  | — | ​ |  | —
Commercial Construction, Land Development, and Other Land | ​ |  | — | ​ |  | — | ​ |  | — | ​ |  | — | ​ |  | — | ​ |  | —
Other Non Owner-Occupied CRE | ​ |  | 1,133 | ​ |  | 1,933 | ​ |  | — | ​ |  | 494 | ​ |  | 29 | ​ |  | 29
Direct Financing Leases | ​ |  | 578 | ​ |  | 578 | ​ |  | — | ​ |  | 483 | ​ |  | 17 | ​ |  | 17
Residential Real Estate | ​ |  | 719 | ​ |  | 719 | ​ |  | — | ​ |  | 476 | ​ |  | — | ​ |  | —
Installment and Other Consumer | ​ |  | 133 | ​ |  | 133 | ​ |  | — | ​ |  | 121 | ​ |  | — | ​ |  | —
​ | ​ | $ | 3,924 | ​ | $ | 4,804 | ​ | $ | — | ​ | $ | 2,576 | ​ | $ | 79 | ​ | $ | 79
​ | ​ |  |  | ​ |  |  | ​ |  |  | ​ |  |  | ​ |  |  | ​ |  |
Impaired Loans/Leases with Specific Allowance Recorded: | ​ |  |  | ​ |  |  | ​ |  |  | ​ |  |  | ​ |  |  | ​ |  |
C&I | ​ | $ | 4,020 | ​ | $ | 4,020 | ​ | $ | 650 | ​ | $ | 1,555 | ​ | $ | — | ​ | $ | —
CRE | ​ |  | ​ | ​ |  | ​ | ​ |  | ​ | ​ |  | ​ | ​ |  | ​ | ​ |  | ​
Owner-Occupied CRE | ​ |  | — | ​ |  | — | ​ |  | — | ​ |  | — | ​ |  | — | ​ |  | —
Commercial Construction, Land Development, and Other Land | ​ |  | — | ​ |  | — | ​ |  | — | ​ |  | — | ​ |  | — | ​ |  | —
Other Non Owner-Occupied CRE | ​ |  | 6,354 | ​ |  | 6,354 | ​ |  | 1,938 | ​ |  | 5,726 | ​ |  | — | ​ |  | —
Direct Financing Leases | ​ |  | — | ​ |  | — | ​ |  | — | ​ |  | — | ​ |  | — | ​ |  | —
Residential Real Estate | ​ |  | 258 | ​ |  | 258 | ​ |  | 20 | ​ |  | 227 | ​ |  | — | ​ |  | —
Installment and Other Consumer | ​ |  | 72 | ​ |  | 72 | ​ |  | 72 | ​ |  | 70 | ​ |  | — | ​ |  | —
​ | ​ | $ | 10,704 | ​ | $ | 10,704 | ​ | $ | 2,680 | ​ | $ | 7,578 | ​ | $ | — | ​ | $ | —
​ | ​ |  |  | ​ |  |  | ​ |  |  | ​ |  |  | ​ |  |  | ​ |  |
Total Impaired Loans/Leases: | ​ |  |  | ​ |  |  | ​ |  |  | ​ |  |  | ​ |  |  | ​ |  |
C&I | ​ | $ | 5,381 | ​ | $ | 5,461 | ​ | $ | 650 | ​ | $ | 2,557 | ​ | $ | 33 | ​ | $ | 33
CRE | ​ |  |  | ​ |  |  | ​ |  |  | ​ |  |  | ​ |  |  | ​ |  |
Owner-Occupied CRE | ​ |  | — | ​ |  | — | ​ |  | — | ​ |  | — | ​ |  | — | ​ |  | —
Commercial Construction, Land Development, and Other Land | ​ |  | — | ​ |  | — | ​ |  | — | ​ |  | — | ​ |  | — | ​ |  | —
Other Non Owner-Occupied CRE | ​ |  | 7,487 | ​ |  | 8,287 | ​ |  | 1,938 | ​ |  | 6,220 | ​ |  | 29 | ​ |  | 29
Direct Financing Leases | ​ |  | 578 | ​ |  | 578 | ​ |  | — | ​ |  | 483 | ​ |  | 17 | ​ |  | 17
Residential Real Estate | ​ |  | 977 | ​ |  | 977 | ​ |  | 20 | ​ |  | 703 | ​ |  | — | ​ |  | —
Installment and Other Consumer | ​ |  | 205 | ​ |  | 205 | ​ |  | 72 | ​ |  | 191 | ​ |  | — | ​ |  | —
​ | ​ | $ | 14,628 | ​ | $ | 15,508 | ​ | $ | 2,680 | ​ | $ | 10,154 | ​ | $ | 79 | ​ | $ | 79
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ ​ ​ ​ ​ ​ ​ ​ Note 4. Loans/Leases Receivable (continued) ​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ ​ ​ | ​ | 2019
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | Interest Income
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | Average | ​ | ​ | ​ | ​ | Recognized for
​ | ​ | Recorded | ​ | Unpaid Principal | ​ | Related | ​ | Recorded | ​ | Interest Income | ​ | Cash Payments
Classes of Loans/Leases |  | Investment |  | Balance |  | Allowance |  | Investment |  | Recognized |  | Received
​ | ​ | (dollars in thousands)
​ |  | ​ |  |  | ​ |  |  | ​ |  |  | ​ |  |  | ​ |  |  | ​ |
Impaired Loans/Leases with No Specific Allowance Recorded: |  | ​ |  |  | ​ |  |  | ​ |  |  | ​ |  |  | ​ |  |  | ​ |
C&I | ​ | $ | 1,607 | ​ | $ | 1,647 | ​ | $ | — | ​ | $ | 970 | ​ | $ | 27 | ​ | $ | 27
CRE | ​ |  |  | ​ |  | ​ | ​ |  | ​ | ​ |  | ​ | ​ |  | ​ | ​ |  | ​
Owner-Occupied CRE | ​ |  | 34 | ​ |  | 50 | ​ |  | — | ​ |  | 24 | ​ |  | — | ​ |  | —
Commercial Construction, Land Development, and Other Land | ​ |  | — | ​ |  | — | ​ |  | — | ​ |  | — | ​ |  | — | ​ |  | —
Other Non Owner-Occupied CRE | ​ |  | 684 | ​ |  | 686 | ​ |  | — | ​ |  | 738 | ​ |  | 29 | ​ |  | 29
Direct Financing Leases | ​ |  | 1,642 | ​ |  | 1,642 | ​ |  | — | ​ |  | 1,322 | ​ |  | 30 | ​ |  | 30
Residential Real Estate | ​ |  | 469 | ​ |  | 614 | ​ |  | — | ​ |  | 481 | ​ |  | — | ​ |  | —
Installment and Other Consumer | ​ |  | 476 | ​ |  | 476 | ​ |  | — | ​ |  | 474 | ​ |  | — | ​ |  | —
​ | ​ | $ | 4,912 | ​ | $ | 5,115 | ​ | $ | — | ​ | $ | 4,009 | ​ | $ | 86 | ​ | $ | 86
​ | ​ |  |  | ​ |  |  | ​ |  |  | ​ |  |  | ​ |  |  | ​ |  |
Impaired Loans/Leases with Specific Allowance Recorded: | ​ |  |  | ​ |  |  | ​ |  |  | ​ |  |  | ​ |  | ​ | ​ |  |
C&I | ​ | $ | 239 | ​ | $ | 239 | ​ | $ | 170 | ​ | $ | 124 | ​ | $ | — | ​ | $ | —
CRE | ​ |  | ​ | ​ |  |  | ​ |  | ​ | ​ |  | ​ | ​ |  | ​ | ​ |  | ​
Owner-Occupied CRE | ​ |  | — | ​ |  | — | ​ |  | — | ​ |  | — | ​ |  | — | ​ |  | —
Commercial Construction, Land Development, and Other Land | ​ |  | — | ​ |  | — | ​ |  | — | ​ |  | — | ​ |  | — | ​ |  | —
Other Non Owner-Occupied CRE | ​ |  | 2,867 | ​ |  | 2,867 | ​ |  | 125 | ​ |  | 1,958 | ​ |  | — | ​ |  | —
Direct Financing Leases | ​ |  | 383 | ​ |  | 383 | ​ |  | 270 | ​ |  | 196 | ​ |  | 2 | ​ |  | 2
Residential Real Estate | ​ |  | 180 | ​ |  | 180 | ​ |  | 15 | ​ |  | 72 | ​ |  | — | ​ |  | —
Installment and Other Consumer | ​ |  | 80 | ​ |  | 80 | ​ |  | 80 | ​ |  | 62 | ​ |  | — | ​ |  | —
​ | ​ | $ | 3,749 | ​ | $ | 3,749 | ​ | $ | 660 | ​ | $ | 2,412 | ​ | $ | 2 | ​ | $ | 2
​ | ​ |  |  | ​ |  |  | ​ |  |  | ​ |  |  | ​ |  |  | ​ |  |
Total Impaired Loans/Leases: | ​ |  |  | ​ |  |  | ​ |  |  | ​ |  |  | ​ |  |  | ​ |  |
C&I | ​ | $ | 1,846 | ​ | $ | 1,886 | ​ | $ | 170 | ​ | $ | 1,094 | ​ | $ | 27 | ​ | $ | 27
CRE | ​ |  |  | ​ |  |  | ​ |  |  | ​ |  |  | ​ |  |  | ​ |  |
Owner-Occupied CRE | ​ |  | 34 | ​ |  | 50 | ​ |  | — | ​ |  | 24 | ​ |  | — | ​ |  | —
Commercial Construction, Land Development, and Other Land | ​ |  | — | ​ |  | — | ​ |  | — | ​ |  | — | ​ |  | — | ​ |  | —
Other Non Owner-Occupied CRE | ​ |  | 3,551 | ​ |  | 3,553 | ​ |  | 125 | ​ |  | 2,696 | ​ |  | 29 | ​ |  | 29
Direct Financing Leases | ​ |  | 2,025 | ​ |  | 2,025 | ​ |  | 270 | ​ |  | 1,518 | ​ |  | 32 | ​ |  | 32
Residential Real Estate | ​ |  | 649 | ​ |  | 794 | ​ |  | 15 | ​ |  | 553 | ​ |  | — | ​ |  | —
Installment and Other Consumer | ​ |  | 556 | ​ |  | 556 | ​ |  | 80 | ​ |  | 536 | ​ |  | — | ​ |  | —
​ | ​ | $ | 8,661 | ​ | $ | 8,864 | ​ | $ | 660 | ​ | $ | 6,421 | ​ | $ | 88 | ​ | $ | 88
​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Note 4. Loans/Leases Receivable (continued) ​ ​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | 2018
​ |  | ​ | ​ |  | ​ | ​ |  | ​ | ​ |  | ​ |  | ​ |  | Interest Income
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | Average | ​ | ​ | ​ | Recognized for
​ | ​ | Recorded | ​ | Unpaid Principal | ​ | Related | ​ | Recorded | ​ | Interest Income | ​ | Cash Payments
Classes of Loans/Leases | ​ | Investment | ​ | Balance | ​ | Allowance | ​ | Investment | ​ | Recognized | ​ | Received
​ | ​ | (dollars in thousands)
​ |  | ​ |  |  | ​ |  |  | ​ |  |  | ​ |  |  | ​ |  |  | ​ |
Impaired Loans/Leases with No Specific Allowance Recorded: |  | ​ |  |  | ​ |  |  | ​ |  |  | ​ |  |  | ​ |  |  | ​ |
C&I | ​ | $ | 1,846 | ​ | $ | 4,540 | ​ | $ | — | ​ | $ | 2,346 | ​ | $ | 210 | ​ | $ | 210
CRE | ​ |  |  | ​ |  |  | ​ |  |  | ​ |  |  | ​ |  |  | ​ |  |
Owner-Occupied CRE | ​ |  | 106 | ​ |  | 106 | ​ |  | — | ​ |  | 107 | ​ |  | — | ​ |  | —
Commercial Construction, Land Development, and Other Land | ​ |  | 507 | ​ |  | 507 | ​ |  | — | ​ |  | 101 | ​ |  | — | ​ |  | —
Other Non Owner-Occupied CRE | ​ |  | 1,804 | ​ |  | 1,804 | ​ |  | — | ​ |  | 540 | ​ |  | — | ​ |  | —
Direct Financing Leases | ​ |  | 1,929 | ​ |  | 1,929 | ​ |  | — | ​ |  | 2,193 | ​ |  | 60 | ​ |  | 60
Residential Real Estate | ​ |  | 984 | ​ |  | 1,058 | ​ |  | — | ​ |  | 723 | ​ |  | 9 | ​ |  | 9
Installment and Other Consumer | ​ |  | 762 | ​ |  | 762 | ​ |  | — | ​ |  | 198 | ​ |  | — | ​ |  | —
​ | ​ | $ | 7,938 | ​ | $ | 10,706 | ​ | $ | — | ​ | $ | 6,208 | ​ | $ | 279 | ​ | $ | 279
​ | ​ |  |  | ​ |  |  | ​ |  |  | ​ |  |  | ​ |  |  | ​ |  |
Impaired Loans/Leases with Specific Allowance Recorded: | ​ |  |  | ​ |  |  | ​ |  |  | ​ |  |  | ​ |  |  | ​ |  |
C&I | ​ | $ | 2,653 | ​ | $ | 2,653 | ​ | $ | 973 | ​ | $ | 1,118 | ​ | $ | 43 | ​ | $ | 43
CRE | ​ |  |  | ​ |  | ​ | ​ |  |  | ​ |  |  | ​ |  |  | ​ |  |
Owner-Occupied CRE | ​ |  | 304 | ​ |  | 660 | ​ |  | 39 | ​ |  | 177 | ​ |  | — | ​ |  | —
Commercial Construction, Land Development, and Other Land | ​ |  | 149 | ​ |  | 149 | ​ |  | 33 | ​ |  | 159 | ​ |  | — | ​ |  | —
Other Non Owner-Occupied CRE | ​ |  | 7,577 | ​ |  | 7,577 | ​ |  | 2,052 | ​ |  | 3,055 | ​ |  | 58 | ​ |  | 58
Direct Financing Leases | ​ |  | 320 | ​ |  | 320 | ​ |  | 194 | ​ |  | 273 | ​ |  | — | ​ |  | —
Residential Real Estate | ​ |  | 1,126 | ​ |  | 1,126 | ​ |  | 257 | ​ |  | 553 | ​ |  | 12 | ​ |  | 12
Installment and Other Consumer | ​ |  | 136 | ​ |  | 136 | ​ |  | 111 | ​ |  | 125 | ​ |  | — | ​ |  | —
​ | ​ | $ | 12,265 | ​ | $ | 12,621 | ​ | $ | 3,659 | ​ | $ | 5,460 | ​ | $ | 113 | ​ | $ | 113
​ | ​ |  |  | ​ |  |  | ​ |  |  | ​ |  |  | ​ |  |  | ​ |  |
Total Impaired Loans/Leases: | ​ |  |  | ​ |  |  | ​ |  |  | ​ |  |  | ​ |  |  | ​ |  |
C&I | ​ | $ | 4,499 | ​ | $ | 7,193 | ​ | $ | 973 | ​ | $ | 3,464 | ​ | $ | 253 | ​ | $ | 253
CRE | ​ |  |  | ​ |  |  | ​ |  |  | ​ |  |  | ​ |  |  | ​ |  |
Owner-Occupied CRE | ​ |  | 410 | ​ |  | 766 | ​ |  | 39 | ​ |  | 284 | ​ |  | — | ​ |  | —
Commercial Construction, Land Development, and Other Land | ​ |  | 656 | ​ |  | 656 | ​ |  | 33 | ​ |  | 260 | ​ |  | — | ​ |  | —
Other Non Owner-Occupied CRE | ​ |  | 9,381 | ​ |  | 9,381 | ​ |  | 2,052 | ​ |  | 3,595 | ​ |  | 58 | ​ |  | 58
Direct Financing Leases | ​ |  | 2,249 | ​ |  | 2,249 | ​ |  | 194 | ​ |  | 2,466 | ​ |  | 60 | ​ |  | 60
Residential Real Estate | ​ |  | 2,110 | ​ |  | 2,184 | ​ |  | 257 | ​ |  | 1,276 | ​ |  | 21 | ​ |  | 21
Installment and Other Consumer | ​ |  | 898 | ​ |  | 898 | ​ |  | 111 | ​ |  | 323 | ​ |  | — | ​ |  | —
​ | ​ | $ | 20,203 | ​ | $ | 23,327 | ​ | $ | 3,659 | ​ | $ | 11,668 | ​ | $ | 392 | ​ | $ | 392
​ Impaired loans/leases for which no allowance has been provided have adequate collateral, based on management’s current estimates. For C&I and CRE loans, the Company’s credit quality indicator is internally assigned risk ratings. Each commercial loan is assigned a risk rating upon origination. The risk rating is reviewed every 15 months, at a minimum, and on an as needed basis depending on the specific circumstances of the loan. See Note 1 for further discussion on the Company’s risk ratings. ​ Note 4. Loans/Leases Receivable (continued) ​ For C&I equipment financing loans, direct financing leases, residential real estate loans, and installment and other consumer loans, the Company’s credit quality indicator is performance determined by delinquency status. Delinquency status is updated daily by the Company’s loan system. For each class of financing receivable, the following presents the recorded investment by credit quality indicator as of December 31, 2020 and 2019: ​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | 2020 | ​
​ | ​ | ​ | ​ | ​ | CRE | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | Non-Owner Occupied | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | ​ | ​ | ​ | ​ | Commercial | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | ​ | ​ | ​ | ​ | Construction, | ​ | ​ | ​ | ​ | ​ | ​ | ​
Internally Assigned | ​ | ​ | ​ | ​ | ​ | Land | ​ | ​ | ​ | ​ | ​ | ​ | ​
Risk Rating |  | ​ | ​ | Owner-Occupied | ​ | Development, | ​ | ​ | ​ | ​ | ​ | As a % of | ​
​ | ​ | C&I |  | CRE |  | and Other Land |  | Other CRE |  | Total |  | Total | ​
​ | ​ | (dollars in thousands) | ​
Pass (Ratings 1 through 5) | ​ | $ | 1,506,578 | ​ | $ | 488,478 | ​ | $ | 530,297 | ​ | $ | 999,931 | ​ | $ | 3,525,284 |  | 96 | %
Special Mention (Rating 6) | ​ |  | 23,929 | ​ |  | 3,087 | ​ |  | 680 | ​ |  | 43,785 | ​ |  | 71,481 |  | 1.95 | ​
Substandard (Rating 7) | ​ |  | 24,710 | ​ |  | 4,906 | ​ |  | 10,478 | ​ |  | 25,987 | ​ |  | 66,081 |  | 1.80 | ​
Doubtful (Rating 8) | ​ |  | — | ​ |  | — | ​ |  | — | ​ |  | — | ​ |  | — |  | — | ​
Total | ​ | $ | 1,555,217 | ​ | $ | 496,471 | ​ | $ | 541,455 | ​ | $ | 1,069,703 | ​ | $ | 3,662,846 | ​ | 100.00 | %
​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | 2020 | ​ | ​
​ | ​ | ​ | ​ | Direct Financing | ​ | Residential Real | ​ | Installment and | ​ | ​ | ​ | As a % of | ​ | ​
Delinquency Status * |  | C&I |  | Leases |  | Estate |  | Other Consumer |  | Total | ​ | Total | ​ | ​
​ |  | (dollars in thousands) | ​ | ​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Performing | ​ | $ | 170,712 | ​ | $ | 65,475 | ​ | $ | 251,099 | ​ | $ | 91,094 | ​ | $ | 578,380 | ​ | 99.56 | % | ​
Nonperforming | ​ |  | 794 | ​ |  | 541 | ​ |  | 1,022 | ​ |  | 208 | ​ |  | 2,565 | ​ | 0.44 | ​ | ​
​ | ​ | $ | 171,506 | ​ | $ | 66,016 | ​ | $ | 252,121 | ​ | $ | 91,302 | ​ | $ | 580,945 | ​ | 100.00 | % | ​
​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | 2019 |
​ | ​ | ​ | ​ | ​ | CRE | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | Non-Owner Occupied | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | ​ | ​ | ​ | ​ | Commercial | ​ | ​ | ​ | ​ | ​ | ​ |
​ | ​ | ​ | ​ | ​ | ​ | Construction, | ​ | ​ | ​ | ​ | ​ | ​ |
​ | ​ | ​ | ​ | ​ | ​ | Land | ​ | ​ | ​ | ​ | ​ | ​ |
​ | ​ | ​ | ​ | Owner-Occupied | ​ | Development, | ​ | ​ | ​ | ​ | ​ | As a % of |
Internally Assigned Risk Rating |  | C&I |  | CRE |  | and Other Land |  | Other CRE |  | Total |  | Total |
​ |  | (dollars in thousands) | ​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Pass (Ratings 1 through 5) | ​ | $ | 1,334,446 | ​ | $ | 439,418 | ​ | $ | 378,572 | ​ | $ | 896,206 | ​ | $ | 3,048,642 |  | 98.28 | %
Special Mention (Rating 6) | ​ |  | 12,962 | ​ |  | 3,044 | ​ |  | 41 | ​ |  | 3,905 | ​ |  | 19,952 |  | 0.64 | %
Substandard (Rating 7) | ​ |  | 18,439 | ​ |  | 1,527 | ​ |  | 184 | ​ |  | 13,499 | ​ |  | 33,649 |  | 1.08 | %
Doubtful (Rating 8) | ​ |  | — | ​ |  | — | ​ |  | — | ​ |  | — | ​ |  | — |  | — | %
​ | ​ | $ | 1,365,847 | ​ | $ | 443,989 | ​ | $ | 378,797 | ​ | $ | 913,610 | ​ | $ | 3,102,243 |  | 100.00 | %
​ ​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | 2019 |
​ | ​ | ​ | ​ | Direct Financing | ​ | Residential Real | ​ | Installment and | ​ | ​ | ​ | As a % of |
Delinquency Status * |  | C&I |  | Leases |  | Estate |  | Other Consumer |  | Total |  | Total |
​ | ​ | (dollars in thousands) | ​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Performing | ​ | $ | 140,992 | ​ | $ | 86,019 | ​ | $ | 239,198 | ​ | $ | 108,763 | ​ | $ | 574,972 |  | 99.29 | %
Nonperforming | ​ |  | 986 | ​ |  | 1,850 | ​ |  | 706 | ​ |  | 589 | ​ |  | 4,131 |  | 0.71 | %
​ | ​ | $ | 141,978 | ​ | $ | 87,869 | ​ | $ | 239,904 | ​ | $ | 109,352 | ​ | $ | 579,103 |  | 100.00 | %
​ * Performing = loans/leases accruing and less than 90 days past due. Nonperforming = loans/leases on nonaccrual, accruing loans/leases that are greater than or equal to 90 days past due, and accruing troubled debt restructurings. Note 4. Loans/Leases Receivable (continued) TDRs totaled $1.7 million as of December 31, 2020 and 2019, respectively. For each class of financing receivable, the following presents the number and recorded investment of TDRs, by type of concession, that were restructured during the years ended December 31, 2020 and 2019. The difference between the pre-modification recorded investment and the post-modification recorded investment would be any partial charge-offs at the time of restructuring. The specific allowance is as of December 31, 2020 and 2019, respectively. The following excludes any TDRs that were restructured and paid off or charged off in the same year. ​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ | 2020
​ | ​ |  | Pre- |  | Post- |  | ​ | ​
​ | ​ | ​ | Modification | ​ | Modification | ​ | ​ | ​
​ | Number of | ​ | Recorded | ​ | Recorded | ​ | Specific
Classes of Loans/Leases | Loans / Leases | ​ | Investment | ​ | Investment | ​ | Allowance
​ | (dollars in thousands)
CONCESSION - Significant Payment Delay |  |  | ​ |  |  | ​ |  |  | ​ |
C&I | 1 | ​ | $ | 75 | ​ | $ | 75 | ​ | $ | —
Direct Financing Leases | 2 | ​ | ​ | 112 | ​ | ​ | 112 | ​ | ​ | —
​ | 3 | ​ | $ | 187 | ​ | $ | 187 | ​ | $ | —
​ |  | ​ |  |  | ​ |  |  | ​ |  |
CONCESSION - Extension of Maturity | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
CRE Other | 1 | ​ | $ | 835 | ​ | $ | 835 | ​ | $ | —
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
TOTAL | 4 | ​ | $ | 1,022 | ​ | $ | 1,022 | ​ | $ | —
​ |  | ​ |  |  | ​ |  |  | ​ |  |
​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ | 2019
​ | ​ |  | Pre- |  | Post- |  | ​ | ​
​ | ​ | ​ | Modification | ​ | Modification | ​ | ​ | ​
​ | Number of | ​ | Recorded | ​ | Recorded | ​ | Specific
Classes of Loans/Leases | Loans / Leases | ​ | Investment | ​ | Investment | ​ | Allowance
​ | (dollars in thousands)
CONCESSION - Significant Payment Delay |  |  | ​ |  |  | ​ |  |  | ​ |
C & I | 3 | ​ | $ | 112 | ​ | $ | 112 | ​ | $ | —
Direct Financing Leases | 10 | ​ | ​ | 388 | ​ | ​ | 388 | ​ | ​ | 35
​ | 13 | ​ | $ | 500 | ​ | $ | 500 | ​ | $ | 35
CONCESSION - Forgiveness of Principal |  |  | ​ |  |  | ​ |  |  | ​ |
C & I | 1 | ​ | $ | 587 | ​ | $ | 537 | ​ | $ | —
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
CONCESSION - Extension of Maturity |  |  | ​ |  |  | ​ |  |  | ​ |
Installment and Other Consumer | 1 | ​ | $ | 56 | ​ | $ | 56 | ​ | $ | 54
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
TOTAL | 15 |  | $ | 1,143 |  | $ | 1,093 |  | $ | 89
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ Of the TDRs reported above, two with a post-modification recorded investment totaling $880 thousand were on nonaccrual as of December 31, 2020 and three with a post-modification recorded investment totaling $121 thousand were on nonaccrual as of December 31, 2019. For the year ended December 31, 2020, the Company had one TDR totaling $44 thousand that redefaulted within 12 months subsequent to restructure, where default is defined as delinquency of 90 days or more and/or placement on nonaccrual status. For the year ended December 31, 2019, the Company had two TDRs totaling $66 thousand that redefaulted within 12 months subsequent to restructure, where default is defined as delinquency of 90 days or more and/or placement on nonaccrual status. Not included in the table above, the Company had five TDRs that were restructured and charged off in 2020, totaling $266 thousand. There was one TDR that was both restructured and charged off in 2019, totaling $52 thousand. On March 22, 2020, federal banking regulators issued an interagency statement that included guidance on their approach for the accounting of loan modifications in light of the economic impact of the COVID-19 pandemic. The guidance interprets current accounting standards and indicates that a lender can conclude that a borrower is not experiencing financial difficulty if short-term modifications are made in response to COVID-19, such as payment Note 4. Loans/Leases Receivable (continued) deferrals, fee waivers, extensions of repayment terms or other delays in payment that are insignificant related to the loans in which the borrower is less than 30 days past due on its contractual payments at the time a modification program is implemented. The agencies confirmed in working with the staff of the FASB that short-term modifications made on a good faith basis in response to COVID-19 to borrowers who were current prior to any relief are not TDRs. The regulators have clarified that this guidance may continue to be applied in 2021. In addition, the CARES Act provides financial institutions the option to temporarily suspend certain requirements under GAAP related to TDRs for a limited period of time to account for the effects of COVID-19. To be eligible, the modification must be (1) related to COVID-19, (2) executed on a loan that was not more than 30 days past due as of December 31, 2019 and (3) executed between March 1, 2020 and the earlier of (A) 60 days after the termination of the presidentially-declared emergency or (B) December 31, 2020. If a modification does not meet the criteria of the CARES act, a deferral can still be excluded from TDR treatment as long as the modifications meet the banking regulatory criteria discussed in the preceding paragraph. The Company implemented its LRP offering to extend qualifying customers’ payments for 90 days. As of December 31, 2020, there were 126 bank modifications of loans to commercial and consumer clients totaling $21 million and 71 m2 modifications of loans and leases totaling $7 million for a combined 197 modifications totaling $28 million, representing 0.66% of the total loan and lease portfolio that were on deferral as of such date. On December 27, 2020, former President Trump signed the Consolidated Appropriations Act, which extended the Loan Relief Program to the earlier of 60 days after the national emergency termination date or January 1, 2022. The Company intends to allow qualifying commercial and consumer clients to defer payments under the new guidance. Loans are made in the normal course of business to directors, executive officers, and their related interests. All such loans, in the opinion of management, were made in the ordinary course of business, on substantially the same terms, including interest rates and collateral, as those prevailing at the time for comparable transactions with persons not related to the lenders and did not involve more than the normal risk of collectability or present other unfavorable features. An analysis of the changes in the aggregate committed amount of loans to insiders greater than or equal to $60,000 during the years ended December 31, 2020, 2019, and 2018, is as follows: ​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ |  | 2020 |  | 2019 |  | 2018
​ | ​ | (dollars in thousands)
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Balance, beginning | ​ | $ | 112,830 | ​ | $ | 125,496 | ​ | $ | 66,442
Net increase (decrease) due to change in related parties | ​ |  | (1,601) | ​ |  | (12,161) | ​ |  | 41,797
Advances | ​ |  | 43,238 | ​ |  | 98,708 | ​ |  | 43,453
Repayments | ​ |  | (54,106) | ​ |  | (99,213) | ​ |  | (26,196)
Balance, ending | ​ | $ | 100,361 | ​ | $ | 112,830 | ​ | $ | 125,496
​ Note 4. Loans/Leases Receivable (continued) The Company’s loan portfolio includes a geographic concentration in the Midwest. Additionally, the loan portfolio includes a concentration of loans in certain industries as of December 31, 2020 and 2019 as follows: ​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | 2020 | ​ | 2019 |
​ | ​ | ​ | ​ | ​ | Percentage of | ​ | ​ | ​ | ​ | Percentage of |
​ | ​ | ​ | ​ | ​ | Total | ​ | ​ | ​ | ​ | Total |
Industry Name |  | Balance |  | Loans/Leases |  | Balance |  | Loans/Leases |
​ | ​ | (dollars in thousands)
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Lessors of Residential Buildings | ​ | $ | 1,134,178 |  | 27 | % | $ | 745,770 |  | 22 | %
Lessors of Non-Residential Buildings | ​ | ​ | 591,398 |  | 14 | % | ​ | 574,058 |  | 17 | %
Administration of Urban Planning & Community & Rural Development | ​ |  | 138,514 |  | 3 | % |  | 133,157 |  | 4 | %
​ Concentrations within the leasing portfolio are monitored by equipment type – none of which represent a concentration within the total loans/leases portfolio. Within the leasing portfolio, diversification is spread among construction, manufacturing and the service industries. Geographically, the lease portfolio is diversified across all 50 states. No individual state represents a concentration within the total loan/lease portfolio.

X
- References No definition available. + Details
Name: | us-gaap_DisclosureTextBlockAbstract
Namespace Prefix: | us-gaap_
Data Type: | xbrli:stringItemType
Balance Type: | na
Period Type: | duration

X
- Definition The entire disclosure for financing receivable. + References Reference 1: http://www.xbrl.org/2003/role/disclosureRef -Publisher FASB -Name Accounting Standards Codification -Topic 310 -SubTopic 10 -URI http://asc.fasb.org/subtopic&trid=2196772 Reference 2: http://www.xbrl.org/2003/role/disclosureRef -Publisher FASB -Name Accounting Standards Codification -Topic 310 -SubTopic 20 -URI http://asc.fasb.org/subtopic&trid=2196816 + Details
Name: | us-gaap_FinancingReceivablesTextBlock
Namespace Prefix: | us-gaap_
Data Type: | nonnum:textBlockItemType
Balance Type: | na
Period Type: | duration