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Loans and Allowance for Loan Losses (Tables) | 9 Months Ended
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Sep. 30, 2019
Receivables [Abstract] |
Summary of Loans | A summary of loans at September 30, 2019 and December 31, 2018 follows (in thousands):
| September 30, 2019 |  | December 31, 2018
Construction and land development | $ | 69,153 |  |  | $ | 51,013 |
Agricultural real estate | 230,068 |  |  | 232,409 |
1-4 Family residential properties | 347,797 |  |  | 374,751 |
Multifamily residential properties | 156,209 |  |  | 186,393 |
Commercial real estate | 957,422 |  |  | 911,656 |
Loans secured by real estate | 1,760,649 |  |  | 1,756,222 |
Agricultural loans | 121,569 |  |  | 136,125 |
Commercial and industrial loans | 543,976 |  |  | 559,120 |
Consumer loans | 83,703 |  |  | 92,744 |
All other loans | 119,305 |  |  | 113,925 |
Total Gross loans | 2,629,202 |  |  | 2,658,136 |
Less: Loans held for sale | 4,603 |  |  | 1,508 |
| 2,624,599 |  |  | 2,656,628 |
Less: |  |  |  |  |
Net deferred loan fees, premiums and discounts | 5,644 |  |  | 13,617 |
Allowance for loan losses | 26,741 |  |  | 26,189 |
Net loans | $ | 2,592,214 |  |  | $ | 2,616,822 |
Allowance for Loan Losses and Recorded Investment in Loans | The following tables present the balance in the allowance for loan losses and the recorded investment in loans based on portfolio segment and impairment method for the three and nine-months ended September 30, 2019 and 2018 and for the year ended December 31, 2018 (in thousands):
| Commercial/ Commercial Real Estate |  | Agricultural/ Agricultural Real Estate |  | Residential Real Estate |  | Consumer |  | Unallocated | Total
Three months ended September 30, 2019 |  |  |  |  |  |  |  |  |
Allowance for loan losses: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Balance, beginning of period | $ | 20,663 |  |  | $ | 2,957 |  |  | $ | 1,649 |  |  | $ | 1,090 |  |  | $ | — |  | 26,359 |
Provision charged to expense | 1,351 |  |  | 766 |  |  | 427 |  |  | 114 |  |  | — |  | 2,658 |
Losses charged off | (1,745 | ) |  | (15 | ) |  | (353 | ) |  | (347 | ) |  | — |  | (2,460 | )
Recoveries | 56 |  |  | — |  |  | 55 |  |  | 73 |  |  | — |  | 184 |
Balance, end of period | $ | 20,325 |  |  | $ | 3,708 |  |  | $ | 1,778 |  |  | $ | 930 |  |  | $ | — |  | $ | 26,741 |
Ending balance: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Individually evaluated for impairment | $ | 400 |  |  | $ | — |  |  | $ | 480 |  |  | $ | 1 |  |  | $ | — |  | 881 |
Collectively evaluated for impairment | 19,236 |  |  | 3,708 |  |  | 1,292 |  |  | 929 |  |  | — |  | 25,165 |
Acquired with deteriorated credit quality | 689 |  |  | — |  |  | 6 |  |  | — |  |  | — |  | 695 |
| Commercial/ Commercial Real Estate |  | Agricultural/ Agricultural Real Estate |  | Residential Real Estate |  | Consumer |  | Unallocated |  | Total
Three months ended September 30, 2018 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Allowance for loan losses: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Balance, beginning of period | $ | 18,663 |  |  | $ | 1,900 |  |  | $ | 554 |  |  | $ | 928 |  |  | $ | — |  |  | $ | 22,045 |
Provision charged to expense | 1,197 |  |  | 247 |  |  | 942 |  |  | 165 |  |  | — |  |  | 2,551 |
Losses charged off | (439 | ) |  | (93 | ) |  | (181 | ) |  | (133 | ) |  | — |  |  | (846 | )
Recoveries | 5 |  |  | — |  |  | 2 |  |  | 82 |  |  | — |  |  | 89 |
Balance, end of period | $ | 19,426 |  |  | $ | 2,054 |  |  | $ | 1,317 |  |  | $ | 1,042 |  |  | $ | — |  |  | $ | 23,839 |
Ending balance: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Individually evaluated for impairment | $ | 858 |  |  | $ | — |  |  | $ | 249 |  |  | $ | 1 |  |  | $ | — |  |  | $ | 1,108 |
Collectively evaluated for impairment | 18,157 |  |  | 2,054 |  |  | 1,068 |  |  | 1,041 |  |  | — |  |  | 22,320 |
Acquired with deteriorated credit quality | 411 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 411 |
| Commercial/ Commercial Real Estate |  | Agricultural/ Agricultural Real Estate |  | Residential Real Estate |  | Consumer |  | Unallocated |  | Total
Nine months ended September 30, 2019 |  |  |  |  |  |  |  |  |  |
Allowance for loan losses: |  |  |  |  |  |  |  |  |  |  |
Balance, beginning of year | $ | 21,556 |  |  | $ | 2,197 |  |  | $ | 1,504 |  |  | $ | 932 |  |  | $ | — |  |  | $ | 26,189 |
Provision charged to expense | 893 |  |  | 1,547 |  |  | 681 |  |  | 575 |  |  | — |  |  | 3,696 |
Losses charged off | (2,218 | ) |  | (45 | ) |  | (472 | ) |  | (835 | ) |  | — |  |  | (3,570 | )
Recoveries | 94 |  |  | 9 |  |  | 65 |  |  | 258 |  |  | — |  |  | 426 |
Balance, end of period | $ | 20,325 |  |  | $ | 3,708 |  |  | $ | 1,778 |  |  | $ | 930 |  |  | $ | — |  |  | $ | 26,741 |
Ending balance: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Individually evaluated for impairment | $ | 400 |  |  | $ | — |  |  | $ | 480 |  |  | $ | 1 |  |  | $ | — |  |  | $ | 881 |
Collectively evaluated for impairment | 19,236 |  |  | 3,708 |  |  | 1,292 |  |  | 929 |  |  | — |  |  | 25,165 |
Acquired with deteriorated credit quality | 689 |  |  | — |  |  | 6 |  |  | — |  |  | — |  |  | 695 |
Loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Individually evaluated for impairment | $ | 9,229 |  |  | $ | 104 |  |  | $ | 3,834 |  |  | $ | 138 |  |  | $ | — |  |  | $ | 13,305 |
Collectively evaluated for impairment | 1,805,283 |  |  | 350,917 |  |  | 356,227 |  |  | 91,140 |  |  | — |  |  | 2,603,567 |
Acquired with deteriorated credit quality | 5,021 |  |  | — |  |  | 1,665 |  |  | — |  |  | — |  |  | 6,686 |
Ending balance | $ | 1,819,533 |  |  | $ | 351,021 |  |  | $ | 361,726 |  |  | $ | 91,278 |  |  | $ | — |  |  | $ | 2,623,558 |
| Commercial/ Commercial Real Estate |  | Agricultural/ Agricultural Real Estate |  | Residential Real Estate |  | Consumer |  | Unallocated |  | Total
Nine months ended September 30, 2018 |  |  |  |  |  |  |  |  |  |
Allowance for loan losses: |  |  |  |  |  |  |  |  |  |  |
Balance, beginning of year | $ | 16,546 |  |  | $ | 1,742 |  |  | $ | 886 |  |  | $ | 803 |  |  | $ | — |  |  | $ | 19,977 |
Provision charged to expense | 3,467 |  |  | 405 |  |  | 1,211 |  |  | 400 |  |  | — |  |  | 5,483 |
Losses charged off | (715 | ) |  | (93 | ) |  | (836 | ) |  | (397 | ) |  | — |  |  | (2,041 | )
Recoveries | 128 |  |  | — |  |  | 56 |  |  | 236 |  |  | — |  |  | 420 |
Balance, end of period | $ | 19,426 |  |  | $ | 2,054 |  |  | $ | 1,317 |  |  | $ | 1,042 |  |  | $ | — |  |  | $ | 23,839 |
Ending balance: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Individually evaluated for impairment | $ | 858 |  |  | $ | — |  |  | $ | 249 |  |  | $ | 1 |  |  | $ | — |  |  | $ | 1,108 |
Collectively evaluated for impairment | 18,157 |  |  | 2,054 |  |  | 1,068 |  |  | 1,041 |  |  | — |  |  | 22,320 |
Acquired with deteriorated credit quality | 411 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 411 |
Loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Individually evaluated for impairment | $ | 14,924 |  |  | $ | 42 |  |  | $ | 2,708 |  |  | $ | 159 |  |  | $ | — |  |  | $ | 17,833 |
Collectively evaluated for impairment | 1,605,717 |  |  | 312,145 |  |  | 381,012 |  |  | 69,048 |  |  | — |  |  | 2,367,922 |
Acquired with deteriorated credit quality | 11,435 |  |  | 4 |  |  | 2,961 |  |  | 5 |  |  | — |  |  | 14,405 |
Ending balance | $ | 1,632,076 |  |  | $ | 312,191 |  |  | $ | 386,681 |  |  | $ | 69,212 |  |  | $ | — |  |  | $ | 2,400,160 |
Year ended December 31, 2018 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Allowance for loan losses: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Balance, beginning of year | $ | 16,546 |  |  | $ | 1,742 |  |  | $ | 886 |  |  | $ | 803 |  |  | $ | — |  |  | $ | 19,977 |
Provision charged to expense | 6,070 |  |  | 548 |  |  | 1,447 |  |  | 602 |  |  | — |  |  | 8,667 |
Losses charged off | (1,227 | ) |  | (93 | ) |  | (886 | ) |  | (787 | ) |  | — |  |  | (2,993 | )
Recoveries | 167 |  |  | — |  |  | 57 |  |  | 314 |  |  | — |  |  | 538 |
Balance, end of year | $ | 21,556 |  |  | $ | 2,197 |  |  | $ | 1,504 |  |  | $ | 932 |  |  | $ | — |  |  | $ | 26,189 |
Ending balance: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Individually evaluated for impairment | $ | 1,816 |  |  | $ | — |  |  | $ | 225 |  |  | $ | 3 |  |  | $ | — |  |  | $ | 2,044 |
Collectively evaluated for impairment | 18,514 |  |  | 2,197 |  |  | 1,270 |  |  | 929 |  |  | — |  |  | 22,910 |
Acquired with deteriorated credit quality | 1,226 |  |  | — |  |  | 9 |  |  | — |  |  | — |  |  | 1,235 |
Loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Individually evaluated for impairment | $ | 14,422 |  |  | $ | 32 |  |  | $ | 2,360 |  |  | $ | 166 |  |  | $ | — |  |  | $ | 16,980 |
Collectively evaluated for impairment | 1,756,908 |  |  | 367,175 |  |  | 387,961 |  |  | 99,872 |  |  | — |  |  | 2,611,916 |
Acquired with deteriorated credit quality | 13,411 |  |  | 4 |  |  | 2,205 |  |  | 3 |  |  | — |  |  | 15,623 |
Ending balance | $ | 1,784,741 |  |  | $ | 367,211 |  |  | $ | 392,526 |  |  | $ | 100,041 |  |  | $ | — |  |  | $ | 2,644,519 |
Credit Risk Profile of the Company's Loan Portfolio | The following tables present the credit risk profile of the Company’s loan portfolio based on rating category and payment activity as of September 30, 2019 and December 31, 2018 (in thousands):
| Construction & Land Development |  | Agricultural Real Estate |  | 1-4 Family Residential Properties |  | Multifamily Residential Properties
| 2019 |  | 2018 |  | 2019 |  | 2018 |  | 2019 |  | 2018 |  | 2019 |  | 2018
Pass | $ | 67,941 |  |  | $ | 49,794 |  |  | $ | 217,562 |  |  | $ | 221,047 |  |  | $ | 323,757 |  |  | $ | 352,583 |  |  | $ | 138,351 |  |  | $ | 163,845 |
Special Mention | 418 |  |  | 471 |  |  | 10,260 |  |  | 7,805 |  |  | 5,584 |  |  | 5,526 |  |  | 5,619 |  |  | 8,144 |
Substandard | 462 |  |  | 354 |  |  | 1,893 |  |  | 2,848 |  |  | 18,029 |  |  | 15,409 |  |  | 10,889 |  |  | 12,062 |
Doubtful | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Total | $ | 68,821 |  |  | $ | 50,619 |  |  | $ | 229,715 |  |  | $ | 231,700 |  |  | $ | 347,370 |  |  | $ | 373,518 |  |  | $ | 154,859 |  |  | $ | 184,051 |
| Commercial Real Estate (Nonfarm/Nonresidential) |  | Agricultural Loans |  | Commercial & Industrial Loans |  | Consumer Loans
| 2019 |  | 2018 |  | 2019 |  | 2018 |  | 2019 |  | 2018 |  | 2019 |  | 2018
Pass | $ | 923,345 |  |  | $ | 861,086 |  |  | $ | 113,116 |  |  | $ | 127,863 |  |  | $ | 527,005 |  |  | $ | 535,186 |  |  | $ | 81,828 |  |  | $ | 90,133 |
Special Mention | 8,783 |  |  | 16,035 |  |  | 3,980 |  |  | 7,581 |  |  | 3,504 |  |  | 9,967 |  |  | 148 |  |  | 177 |
Substandard | 22,542 |  |  | 29,729 |  |  | 4,554 |  |  | 433 |  |  | 13,428 |  |  | 11,858 |  |  | 1,198 |  |  | 1,206 |
Doubtful | 322 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Total | $ | 954,992 |  |  | $ | 906,850 |  |  | $ | 121,650 |  |  | $ | 135,877 |  |  | $ | 543,937 |  |  | $ | 557,011 |  |  | $ | 83,174 |  |  | $ | 91,516 |
| All Other Loans |  | Total Loans
| 2019 |  | 2018 |  | 2019 |  | 2018
Pass | $ | 116,286 |  |  | $ | 110,352 |  |  | $ | 2,509,191 |  |  | $ | 2,511,889 |
Special Mention | 2,754 |  |  | 3,010 |  |  | 41,050 |  |  | 58,716 |
Substandard | — |  |  | 15 |  |  | 72,995 |  |  | 73,914 |
Doubtful | — |  |  | — |  |  | 322 |  |  | — |
Total | $ | 119,040 |  |  | $ | 113,377 |  |  | $ | 2,623,558 |  |  | $ | 2,644,519 |
Loan Portfolio Aging Analysis | The following table presents the Company’s loan portfolio aging analysis at September 30, 2019 and December 31, 2018 (in thousands):
| 30-59 Days Past Due |  | 60-89 Days Past Due |  | 90 Days or More Past Due |  | Total Past Due |  | Current |  | Total Loans Receivable |  | Total Loans > 90 Days & Accruing
September 30, 2019 |  |  |  |  |  |  |  |  |  |  |  |  |
Construction and land development | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | 68,821 |  |  | $ | 68,821 |  |  | $ | — |
Agricultural real estate | 758 |  |  | 1,962 |  |  | 801 |  |  | 3,521 |  |  | 226,194 |  |  | 229,715 |  |  | — |
1-4 Family residential properties | 4,848 |  |  | 1,131 |  |  | 4,509 |  |  | 10,488 |  |  | 336,882 |  |  | 347,370 |  |  | — |
Multifamily residential properties | 47 |  |  | — |  |  | 1,292 |  |  | 1,339 |  |  | 153,520 |  |  | 154,859 |  |  | — |
Commercial real estate | 674 |  |  | — |  |  | 2,946 |  |  | 3,620 |  |  | 951,372 |  |  | 954,992 |  |  | — |
Loans secured by real estate | 6,327 |  |  | 3,093 |  |  | 9,548 |  |  | 18,968 |  |  | 1,736,789 |  |  | 1,755,757 |  |  | — |
Agricultural loans | 459 |  |  | 137 |  |  | 307 |  |  | 903 |  |  | 120,747 |  |  | 121,650 |  |  | — |
Commercial and industrial loans | 434 |  |  | 1,173 |  |  | 2,824 |  |  | 4,431 |  |  | 539,506 |  |  | 543,937 |  |  | — |
Consumer loans | 423 |  |  | 100 |  |  | 193 |  |  | 716 |  |  | 82,458 |  |  | 83,174 |  |  | — |
All other loans | — |  |  | — |  |  | — |  |  | — |  |  | 119,040 |  |  | 119,040 |  |  | — |
Total loans | $ | 7,643 |  |  | $ | 4,503 |  |  | $ | 12,872 |  |  | $ | 25,018 |  |  | $ | 2,598,540 |  |  | $ | 2,623,558 |  |  | $ | — |
December 31, 2018 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Construction and land development | $ | 460 |  |  | $ | 43 |  |  | $ | — |  |  | $ | 503 |  |  | $ | 50,116 |  |  | $ | 50,619 |  |  | $ | — |
Agricultural real estate | — |  |  | 804 |  |  | — |  |  | 804 |  |  | 230,896 |  |  | 231,700 |  |  | — |
1-4 Family residential properties | 3,347 |  |  | 3,051 |  |  | 4,080 |  |  | 10,478 |  |  | 363,040 |  |  | 373,518 |  |  | — |
Multifamily residential properties | 1,149 |  |  | — |  |  | 1,955 |  |  | 3,104 |  |  | 180,947 |  |  | 184,051 |  |  | — |
Commercial real estate | 1,349 |  |  | 89 |  |  | 4,058 |  |  | 5,496 |  |  | 901,354 |  |  | 906,850 |  |  | — |
Loans secured by real estate | 6,305 |  |  | 3,987 |  |  | 10,093 |  |  | 20,385 |  |  | 1,726,353 |  |  | 1,746,738 |  |  | — |
Agricultural loans | 63 |  |  | — |  |  | 20 |  |  | 83 |  |  | 135,794 |  |  | 135,877 |  |  | — |
Commercial and industrial loans | 1,417 |  |  | 10 |  |  | 3,902 |  |  | 5,329 |  |  | 551,682 |  |  | 557,011 |  |  | — |
Consumer loans | 888 |  |  | 356 |  |  | 299 |  |  | 1,543 |  |  | 89,973 |  |  | 91,516 |  |  | — |
All other loans | 697 |  |  | — |  |  | — |  |  | 697 |  |  | 112,680 |  |  | 113,377 |  |  | — |
Total loans | $ | 9,370 |  |  | $ | 4,353 |  |  | $ | 14,314 |  |  | $ | 28,037 |  |  | $ | 2,616,482 |  |  | $ | 2,644,519 |  |  | $ | — |
Impaired Loans | The following tables present impaired loans as of September 30, 2019 and December 31, 2018 (in thousands):
| September 30, 2019 |  | December 31, 2018
| Recorded Balance |  | Unpaid Principal Balance |  | Specific Allowance |  | Recorded Balance |  | Unpaid Principal Balance |  | Specific Allowance
Loans with a specific allowance: |  |  |  |  |  |  |  |  |  |  |
Construction and land development | $ | 263 |  |  | $ | 263 |  |  | $ | — |  |  | $ | 2,559 |  |  | $ | 2,559 |  |  | $ | 14 |
Agricultural real estate | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
1-4 Family residential properties | 5,499 |  |  | 5,696 |  |  | 486 |  |  | 4,565 |  |  | 4,952 |  |  | 234 |
Multifamily residential properties | 2,556 |  |  | 2,556 |  |  | — |  |  | 4,465 |  |  | 4,465 |  |  | — |
Commercial real estate | 6,039 |  |  | 6,643 |  |  | 928 |  |  | 12,517 |  |  | 12,804 |  |  | 1,553 |
Loans secured by real estate | 14,357 |  |  | 15,158 |  |  | 1,414 |  |  | 24,106 |  |  | 24,780 |  |  | 1,801 |
Agricultural loans | 104 |  |  | 688 |  |  | — |  |  | 36 |  |  | 504 |  |  | — |
Commercial and industrial loans | 5,392 |  |  | 6,249 |  |  | 161 |  |  | 8,292 |  |  | 8,723 |  |  | 1,475 |
Consumer loans | 138 |  |  | 138 |  |  | 1 |  |  | 169 |  |  | 171 |  |  | 3 |
Total loans | $ | 19,991 |  |  | $ | 22,233 |  |  | $ | 1,576 |  |  | $ | 32,603 |  |  | $ | 34,178 |  |  | $ | 3,279 |
Loans without a specific allowance: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Construction and land development | $ | 180 |  |  | $ | 180 |  |  | $ | — |  |  | $ | 48 |  |  | $ | 48 |  |  | $ | — |
Agricultural real estate | 289 |  |  | 289 |  |  | — |  |  | 309 |  |  | 309 |  |  | — |
1-4 Family residential properties | 3,676 |  |  | 4,051 |  |  | — |  |  | 3,680 |  |  | 4,769 |  |  | — |
Multifamily residential properties | — |  |  | — |  |  | — |  |  | 7,597 |  |  | 7,597 |  |  | — |
Commercial real estate | 1,533 |  |  | 1,284 |  |  | — |  |  | 983 |  |  | 1,201 |  |  | — |
Loans secured by real estate | 5,678 |  |  | 5,804 |  |  | — |  |  | 12,617 |  |  | 13,924 |  |  | — |
Agricultural loans | 752 |  |  | 169 |  |  | — |  |  | 631 |  |  | 163 |  |  | — |
Commercial and industrial loans | 856 |  |  | 2,447 |  |  | — |  |  | 1,660 |  |  | 2,027 |  |  | — |
Consumer loans | 521 |  |  | 716 |  |  | — |  |  | 471 |  |  | 1,006 |  |  | — |
All other loans | — |  |  | — |  |  | — |  |  | 6 |  |  | 6 |  |  | — |
Total loans | $ | 7,807 |  |  | $ | 9,136 |  |  | $ | — |  |  | $ | 15,385 |  |  | $ | 17,126 |  |  | $ | — |
Total loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Construction and land development | $ | 443 |  |  | $ | 443 |  |  | $ | — |  |  | $ | 2,607 |  |  | $ | 2,607 |  |  | $ | 14 |
Agricultural real estate | 289 |  |  | 289 |  |  | — |  |  | 309 |  |  | 309 |  |  | — |
1-4 Family residential properties | 9,175 |  |  | 9,747 |  |  | 486 |  |  | 8,245 |  |  | 9,721 |  |  | 234 |
Multifamily residential properties | 2,556 |  |  | 2,556 |  |  | — |  |  | 12,062 |  |  | 12,062 |  |  | — |
Commercial real estate | 7,572 |  |  | 7,927 |  |  | 928 |  |  | 13,500 |  |  | 14,005 |  |  | 1,553 |
Loans secured by real estate | 20,035 |  |  | 20,962 |  |  | 1,414 |  |  | 36,723 |  |  | 38,704 |  |  | 1,801 |
Agricultural loans | 856 |  |  | 857 |  |  | — |  |  | 667 |  |  | 667 |  |  | — |
Commercial and industrial loans | 6,248 |  |  | 8,696 |  |  | 161 |  |  | 9,952 |  |  | 10,750 |  |  | 1,475 |
Consumer loans | 659 |  |  | 854 |  |  | 1 |  |  | 640 |  |  | 1,177 |  |  | 3 |
All other loans | — |  |  | — |  |  | — |  |  | 6 |  |  | 6 |  |  | — |
Total loans | $ | 27,798 |  |  | $ | 31,369 |  |  | $ | 1,576 |  |  | $ | 47,988 |  |  | $ | 51,304 |  |  | $ | 3,279 |
Impaired loans by portfolio class | The following tables present average recorded investment and interest income recognized on impaired loans for the three and nine-month periods ended September 30, 2019 and 2018 (in thousands):
| For the three months ended
| September 30, 2019 |  | September 30, 2018
| Average Investment in Impaired Loans |  | Interest Income Recognized |  | Average Investment in Impaired Loans |  | Interest Income Recognized
Construction and land development | $ | 755 |  |  | $ | 8 |  |  | $ | 395 |  |  | $ | 22 |
Agricultural real estate | 932 |  |  | — |  |  | 620 |  |  | — |
1-4 Family residential properties | 9,521 |  |  | 21 |  |  | 7,574 |  |  | 137 |
Multifamily residential properties | 1,559 |  |  | 14 |  |  | 3,164 |  |  | 126 |
Commercial real estate | 6,232 |  |  | 43 |  |  | 11,932 |  |  | 188 |
Loans secured by real estate | 18,999 |  |  | 86 |  |  | 23,685 |  |  | 473 |
Agricultural loans | 852 |  |  | 1 |  |  | 752 |  |  | — |
Commercial and industrial loans | 6,479 |  |  | 4 |  |  | 8,909 |  |  | 5 |
Consumer loans | 698 |  |  | — |  |  | 234 |  |  | — |
All other loans | — |  |  | — |  |  | 8 |  |  | — |
Total loans | $ | 27,028 |  |  | $ | 91 |  |  | $ | 33,588 |  |  | $ | 478 |
| For the nine months ended
| September 30, 2019 |  | September 30, 2018
| Average Investment in Impaired Loans |  | Interest Income Recognized |  | Average Investment in Impaired Loans |  | Interest Income Recognized
Construction and land development | $ | 765 |  |  | $ | 24 |  |  | $ | 167 |  |  | $ | 29 |
Agricultural real estate | 935 |  |  | — |  |  | 182 |  |  | — |
1-4 Family residential properties | 9,629 |  |  | 63 |  |  | 5,672 |  |  | 188 |
Multifamily residential properties | 1,561 |  |  | 42 |  |  | 1,414 |  |  | 169 |
Commercial real estate | 7,522 |  |  | 128 |  |  | 8,595 |  |  | 256 |
Loans secured by real estate | 20,412 |  |  | 257 |  |  | 16,030 |  |  | 642 |
Agricultural loans | 800 |  |  | 2 |  |  | 642 |  |  | — |
Commercial and industrial loans | 7,897 |  |  | 7 |  |  | 8,109 |  |  | 7 |
Consumer loans | 764 |  |  | 1 |  |  | — |  |  | — |
All other loans | — |  |  | — |  |  | — |  |  | — |
Total loans | $ | 29,873 |  |  | $ | 267 |  |  | $ | 24,781 |  |  | $ | 649 |
Nonaccrual Loans | The following table presents the Company’s recorded balance of nonaccrual loans as of September 30, 2019 and December 31, 2018 (in thousands). This table excludes performing troubled debt restructurings and purchased impaired loans.
| September 30, 2019 |  | December 31, 2018
Construction and land development | $ | 180 |  |  | $ | 377 |
Agricultural real estate | 289 |  |  | 309 |
1-4 Family residential properties | 7,631 |  |  | 5,762 |
Multifamily residential properties | 1,437 |  |  | 2,105 |
Commercial real estate | 4,324 |  |  | 8,457 |
Loans secured by real estate | 13,861 |  |  | 17,010 |
Agricultural loans | 797 |  |  | 667 |
Commercial and industrial loans | 6,117 |  |  | 8,990 |
Consumer loans | 654 |  |  | 625 |
All other loans | — |  |  | 6 |
Total loans | $ | 21,429 |  |  | $ | 27,298 |
Schedule of Acquired Receivables With Credit Deterioration [Table Text Block] | The amount of these loans at September 30, 2019 and December 31, 2018 are as follows (in thousands):
| September 30, 2019 |  | December 31, 2018
Construction and land development | $ | 263 |  |  | $ | 2,558 |
Agricultural real estate | — |  |  | — |
1-4 Family residential properties | 1,665 |  |  | 2,206 |
Multifamily residential properties | 2,289 |  |  | 3,891 |
Commercial real estate | 2,469 |  |  | 6,946 |
Loans secured by real estate | 6,686 |  |  | 15,601 |
Agricultural loans | — |  |  | 4 |
Commercial and industrial loans | — |  |  | 15 |
Consumer loans | — |  |  | 3 |
Carrying amount | 6,686 |  |  | 15,623 |
Allowance for loan losses | (695 | ) |  | (1,235 | )
Carrying amount, net of allowance | $ | 5,991 |  |  | $ | 14,388 |
Recorded Balance of Troubled Debt Restructurings | The following table presents the Company’s recorded balance of troubled debt restructurings at September 30, 2019 and December 31, 2018 (in thousands).
Troubled debt restructurings: | September 30, 2019 |  | December 31, 2018
1-4 Family residential properties | $ | 1,979 |  |  | $ | 2,472 |
Commercial real estate | 1,708 |  |  | 1,706 |
Loans secured by real estate | 3,687 |  |  | 4,178 |
Agricultural loans | 688 |  |  | 499 |
Commercial and industrial loans | 1,431 |  |  | 5,112 |
Consumer loans | 138 |  |  | 167 |
Total | $ | 5,944 |  |  | $ | 9,956 |
Performing troubled debt restructurings: |  |  |  |  |
1-4 Family residential properties | $ | 1,478 |  |  | $ | 1,769 |
Commercial real estate | 1,101 |  |  | 676 |
Loans secured by real estate | 2,579 |  |  | 2,445 |
Agricultural Loans | 59 |  |  | — |
Commercial and industrial loans | 131 |  |  | — |
Consumer loans | 5 |  |  | 6 |
Total | $ | 2,774 |  |  | $ | 2,451 |
Financing Receivables,Troubled Debt Restructurings during period [Table Text Block] | The following table presents loans modified as TDRs during the nine months ended September 30, 2019 and 2018, as a result of various modified loan factors (in thousands):
| September 30, 2019 |  | September 30, 2018
| Number of Modifications |  | Recorded Investment |  | Type of Modifications |  | Number of Modifications |  | Recorded Investment |  | Type of Modifications
1-4 Family residential properties | 1 |  |  | $ | 44 |  |  | (b)(c) |  | 15 |  |  | $ | 604 |  |  | (b)(c)
Commercial real estate | 3 |  |  | 1,462 |  |  | (b)(c)(d) |  | 1 |  |  | 437 |  |  | (b)(d)
Loans secured by real estate | 4 |  |  | 1,506 |  |  |  |  | 16 |  |  | 1,041 |  |  |
Agricultural loans | 1 |  |  | 59 |  |  | (b) |  | — |  |  | — |  |  |
Commercial and industrial loans | 4 |  |  | 131 |  |  | (b)(c)(d) |  | 2 |  |  | 99 |  |  | (b)(c)
Consumer Loans | 1 |  |  | 12 |  |  | (c) |  | 1 |  |  | 4 |  |  | (b)(c)
Total | 10 |  |  | $ | 1,708 |  |  |  |  | 19 |  |  | $ | 1,144 |  |  |

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