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Loans and Allowance for Credit Losses on Loans (Tables) | 3 Months Ended
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Mar. 31, 2020
Loans and Allowance for Credit Losses on Loans |
Schedule of major classifications of loans |
|  | March 31, 2020 |  | December 31, 2019
Commercial |  | $ | 364,626 |  | $ | 332,842
Leases |  |  | 126,237 |  |  | 119,751
Commercial real estate - Investor |  |  | 503,905 |  |  | 520,095
Commercial real estate - Owner occupied |  |  | 349,595 |  |  | 345,504
Construction |  |  | 78,159 |  |  | 69,617
Residential real estate - Investor |  |  | 69,429 |  |  | 71,105
Residential real estate - Owner occupied |  |  | 129,982 |  |  | 136,023
Multifamily |  |  | 195,297 |  |  | 189,773
HELOC |  |  | 93,165 |  |  | 91,605
HELOC - Purchased |  |  | 30,880 |  |  | 31,852
Other 1 |  |  | 15,929 |  |  | 12,258
Total loans, excluding deferred loan costs and PCI loans |  |  | 1,957,204 |  |  | 1,920,425
Net deferred loan costs |  |  | - |  |  | 1,786
Total loans, excluding PCI loans |  |  | 1,957,204 |  |  | 1,922,211
PCI loans |  |  | - |  |  | 8,601
Total loans, including deferred loan costs and PCI loans |  | $ | 1,957,204 |  | $ | 1,930,812
Allowance for credit losses on loans |  |  | (30,045) |  |  | (19,789)
Net loans 2 |  | $ | 1,927,159 |  | $ | 1,911,023
1 The “Other” segment for 2020 includes consumer and overdrafts in this table and in subsequent tables within this footnote 4 - Loans and Allowance for Credit Losses on Loans. 2 Excludes accrued interest receivable of $6.4 million and $6.5 million at March 31, 2020 and December 31, 2019, respectively, that is recorded in other assets on the consolidated balance sheet.
Schedule of collateral dependent loans and related loan allowances. |
|  |  |  |  | Accounts |  |  |  |  |  | ACL
March 31, 2020 |  | Real Estate |  | Receivable |  | Other |  | Total |  | Allocation
Commercial |  | $ | - |  | $ | 2,416 |  | $ | 3 |  | $ | 2,419 |  | $ | 89
Leases |  |  | - |  |  | - |  |  | 264 |  |  | 264 |  |  | 61
Commercial real estate - Investor |  |  | 4,430 |  |  | - |  |  | - |  |  | 4,430 |  |  | 203
Commercial real estate - Owner occupied |  |  | 8,459 |  |  | - |  |  | - |  |  | 8,459 |  |  | 204
Construction |  |  | 2,245 |  |  | - |  |  | - |  |  | 2,245 |  |  | 852
Residential real estate - Investor |  |  | 859 |  |  | - |  |  | - |  |  | 859 |  |  | -
Residential real estate - Owner occupied |  |  | 3,739 |  |  | - |  |  | - |  |  | 3,739 |  |  | 137
Multifamily |  |  | 1,497 |  |  | - |  |  | - |  |  | 1,497 |  |  | 318
HELOC |  |  | 1,004 |  |  | - |  |  | - |  |  | 1,004 |  |  | -
HELOC - Purchased |  |  | 114 |  |  | - |  |  | - |  |  | 114 |  |  | -
Other |  |  | - |  |  | - |  |  | 9 |  |  | 9 |  |  | 3
Total |  | $ | 22,347 |  | $ | 2,416 |  | $ | 276 |  | $ | 25,039 |  | $ | 1,867
Schedule of changes in the allowance for loan losses by segment of loans based on method of impairment | The following table presents the activity in the allowance for credit losses (“ACL”) for the three months ended March 31, 2020. The Company’s estimate of the ACL reflects losses over the expected remaining contractual life of the loans.
|  |  |  | Impact of |  | Provision |  |  |  |  |  |
|  | Beginning |  | Adopting |  | for Credit |  |  |  |  |  | Ending
Allowance for credit losses |  | Balance |  | ASC 326 |  | Losses |  | Charge-offs |  | Recoveries |  | Balance
Three months ended March 31, 2020 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial |  | $ | 3,015 |  | $ | (292) |  | $ | 539 |  | $ | 97 |  | $ | 12 |  | $ | 3,177
Leases |  |  | 1,262 |  |  | 501 |  |  | 127 |  |  | - |  |  | - |  |  | 1,890
Commercial real estate - Investor |  |  | 6,218 |  |  | (741) |  |  | 536 |  |  | 13 |  |  | 21 |  |  | 6,021
Commercial real estate - Owner occupied |  |  | 3,678 |  |  | (848) |  |  | 329 |  |  | 1,109 |  |  | 1 |  |  | 2,051
Construction |  |  | 513 |  |  | 1,334 |  |  | 2,184 |  |  | - |  |  | - |  |  | 4,031
Residential real estate - Investor |  |  | 601 |  |  | 740 |  |  | 534 |  |  | - |  |  | 21 |  |  | 1,896
Residential real estate - Owner occupied |  |  | 1,257 |  |  | 1,320 |  |  | 769 |  |  | 1 |  |  | 23 |  |  | 3,368
Multifamily |  |  | 1,444 |  |  | 1,732 |  |  | 674 |  |  | - |  |  | - |  |  | 3,850
HELOC |  |  | 1,161 |  |  | 1,526 |  |  | (485) |  |  | 83 |  |  | 141 |  |  | 2,260
HELOC - Purchased |  |  | - |  |  | - |  |  | 850 |  |  | - |  |  | - |  |  | 850
Other |  |  | 640 |  |  | 607 |  |  | (558) |  |  | 98 |  |  | 60 |  |  | 651
|  | $ | 19,789 |  | $ | 5,879 |  | $ | 5,499 |  | $ | 1,401 |  | $ | 279 |  | $ | 30,045
The following table presents activity in the allowance for loan and lease losses for the three months ended at March 31, 2019, as determined in accordance with ASC 310 prior to the adoption of ASU 2016-13:
|  |  |  | Provision |  |  |  |  |  |
|  | Beginning |  | for Loan |  |  |  |  |  | Ending
Allowance for loan and lease losses: |  | Balance |  | Losses |  | Charge-offs |  | Recoveries |  | Balance
Three months ended March 31, 2019 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial |  | $ | 2,832 |  | $ | 202 |  | $ | 12 |  | $ | 30 |  | $ | 3,052
Leases |  |  | 734 |  |  | 71 |  |  | - |  |  | - |  |  | 805
Commercial real estate - Investor |  |  | 5,492 |  |  | 207 |  |  | 144 |  |  | 20 |  |  | 5,575
Commercial real estate - Owner occupied |  |  | 3,835 |  |  | (603) |  |  | 87 |  |  | 3 |  |  | 3,148
Construction |  |  | 969 |  |  | (24) |  |  | - |  |  | (1) |  |  | 944
Residential real estate - Investor |  |  | 629 |  |  | (3) |  |  | 6 |  |  | 16 |  |  | 636
Residential real estate - Owner occupied |  |  | 1,302 |  |  | 4 |  |  | 12 |  |  | 26 |  |  | 1,320
Multifamily |  |  | 1,143 |  |  | 2 |  |  | - |  |  | 8 |  |  | 1,153
HELOC |  |  | 1,449 |  |  | (170) |  |  | - |  |  | 46 |  |  | 1,325
HELOC - Purchased |  |  | - |  |  | - |  |  | - |  |  | - |  |  | -
Other 1 |  |  | 621 |  |  | 764 |  |  | 84 |  |  | 57 |  |  | 1,358
|  | $ | 19,006 |  | $ | 450 |  | $ | 345 |  | $ | 205 |  | $ | 19,316
1 The “Other” class includes consumer, overdrafts and net deferred costs.
Schedule of aged analysis of past due loans by class of loans |
|  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 90 days or
|  |  |  |  |  |  |  | 90 Days or |  |  |  |  |  |  |  |  |  |  | Greater Past
|  | 30-59 Days |  | 60-89 Days |  | Greater Past |  | Total Past |  |  |  |  |  |  |  | Due and
March 31, 2020 |  | Past Due |  | Past Due |  | Due |  | Due |  | Current |  | Total Loans |  | Accruing
Commercial |  | $ | 1,032 |  | $ | 46 |  | $ | 2,279 |  | $ | 3,357 |  | $ | 361,269 |  | $ | 364,626 |  | $ | -
Leases |  |  | 613 |  |  | 63 |  |  | 123 |  |  | 799 |  |  | 125,438 |  |  | 126,237 |  |  | -
Commercial real estate - Investor |  |  | 2,235 |  |  | - |  |  | 1,422 |  |  | 3,657 |  |  | 500,248 |  |  | 503,905 |  |  | 59
Commercial real estate - Owner occupied |  |  | 5,062 |  |  | 2,080 |  |  | 4,060 |  |  | 11,202 |  |  | 338,393 |  |  | 349,595 |  |  | -
Construction |  |  | 675 |  |  | - |  |  | 555 |  |  | 1,230 |  |  | 76,929 |  |  | 78,159 |  |  | 555
Residential real estate - Investor |  |  | 291 |  |  | 100 |  |  | 696 |  |  | 1,087 |  |  | 68,342 |  |  | 69,429 |  |  | -
Residential real estate - Owner occupied |  |  | 4,183 |  |  | 167 |  |  | 2,139 |  |  | 6,489 |  |  | 123,493 |  |  | 129,982 |  |  | 736
Multifamily |  |  | 1,815 |  |  | 561 |  |  | 69 |  |  | 2,445 |  |  | 192,852 |  |  | 195,297 |  |  | -
HELOC |  |  | 1,459 |  |  | - |  |  | 329 |  |  | 1,788 |  |  | 91,377 |  |  | 93,165 |  |  | 56
HELOC - Purchased |  |  | 49 |  |  | - |  |  | 65 |  |  | 114 |  |  | 30,766 |  |  | 30,880 |  |  | -
Other |  |  | 537 |  |  | 3 |  |  | 8 |  |  | 548 |  |  | 15,381 |  |  | 15,929 |  |  | -
Total |  | $ | 17,951 |  | $ | 3,020 |  | $ | 11,745 |  | $ | 32,716 |  | $ | 1,924,488 |  | $ | 1,957,204 |  | $ | 1,406
|  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Recorded
|  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Investment
|  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 90 days or
|  |  |  |  |  |  |  | 90 Days or |  |  |  |  |  |  |  |  |  |  |  |  |  | Greater Past
|  | 30-59 Days |  | 60-89 Days |  | Greater Past |  | Total Past |  |  |  |  |  |  |  |  |  |  | Due and
December 31, 2019 |  | Past Due |  | Past Due |  | Due |  | Due |  | Current |  | Nonaccrual |  | Total Loans |  | Accruing
Commercial |  | $ | 1,271 |  | $ | 925 |  | $ | 2,103 |  | $ | 4,299 |  | $ | 328,399 |  | $ | 144 |  | $ | 332,842 |  | $ | 2,132
Leases |  |  | 362 |  |  | - |  |  | 81 |  |  | 443 |  |  | 118,979 |  |  | 329 |  |  | 119,751 |  |  | 128
Commercial real estate - Investor |  |  | 626 |  |  | 95 |  |  | 343 |  |  | 1,064 |  |  | 517,336 |  |  | 1,695 |  |  | 520,095 |  |  | 348
Commercial real estate - Owner occupied |  |  | 2,469 |  |  | 1,026 |  |  | - |  |  | 3,495 |  |  | 336,829 |  |  | 5,180 |  |  | 345,504 |  |  | -
Construction |  |  | 26 |  |  | - |  |  | - |  |  | 26 |  |  | 69,498 |  |  | 93 |  |  | 69,617 |  |  | -
Residential real estate - Investor |  |  | 141 |  |  | 125 |  |  | - |  |  | 266 |  |  | 70,051 |  |  | 788 |  |  | 71,105 |  |  | -
Residential real estate - Owner occupied |  |  | 3,450 |  |  | 1,351 |  |  | - |  |  | 4,801 |  |  | 128,650 |  |  | 2,572 |  |  | 136,023 |  |  | -
Multifamily |  |  | 10 |  |  | 1,700 |  |  | - |  |  | 1,710 |  |  | 187,995 |  |  | 68 |  |  | 189,773 |  |  | -
HELOC |  |  | 735 |  |  | 50 |  |  | 18 |  |  | 803 |  |  | 89,438 |  |  | 1,364 |  |  | 91,605 |  |  | 20
HELOC - Purchased |  |  | - |  |  | - |  |  | - |  |  | - |  |  | 31,672 |  |  | 180 |  |  | 31,852 |  |  | -
Other 1 |  |  | 28 |  |  | - |  |  | - |  |  | 28 |  |  | 13,997 |  |  | 19 |  |  | 14,044 |  |  | -
Total, excluding PCI |  |  | 9,118 |  |  | 5,272 |  |  | 2,545 |  |  | 16,935 |  |  | 1,892,844 |  |  | 12,432 |  |  | 1,922,211 |  |  | 2,628
PCI loans, net of purchase accounting adjustments |  |  | 261 |  |  | - |  |  | - |  |  | 261 |  |  | 5,377 |  |  | 2,963 |  |  | 8,601 |  |  | -
Total |  | $ | 9,379 |  | $ | 5,272 |  | $ | 2,545 |  | $ | 17,196 |  | $ | 1,898,221 |  | $ | 15,395 |  | $ | 1,930,812 |  | $ | 2,628
1 The “Other” class includes consumer, overdrafts and net deferred costs.
Schedule of loans on nonaccrual for which there was no related allowance |
|  |  | March 31, 2020 |  | December 31, 2019
|  |  |  |  | Nonaccrual |  |  |  | Nonaccrual
|  |  | Nonaccrual |  | With no ACL |  | Nonaccrual |  | With no ACL
Commercial |  |  | $ | 2,418 |  | $ | 2,279 |  | $ | 144 |  | $ | -
Leases |  |  |  | 187 |  |  | 69 |  |  | 329 |  |  | 70
Commercial real estate - Investor |  |  |  | 1,750 |  |  | 1,750 |  |  | 1,695 |  |  | 1,590
Commercial real estate - Owner occupied |  |  |  | 7,436 |  |  | 7,357 |  |  | 5,180 |  |  | 2,366
Construction |  |  |  | 2,245 |  |  | 50 |  |  | 93 |  |  | 93
Residential real estate - Investor |  |  |  | 859 |  |  | 859 |  |  | 788 |  |  | 788
Residential real estate - Owner occupied |  |  |  | 3,406 |  |  | 3,406 |  |  | 2,572 |  |  | 2,475
Multifamily |  |  |  | 69 |  |  | 69 |  |  | 68 |  |  | 68
HELOC |  |  |  | 1,004 |  |  | 1,004 |  |  | 1,364 |  |  | 1,154
HELOC - Purchased |  |  |  | 114 |  |  | 114 |  |  | 180 |  |  | 180
Other |  |  |  | 9 |  |  | 1 |  |  | 19 |  |  | 2
Total, excluding PCI loans |  |  |  | 19,497 |  |  | 16,958 |  |  | 12,432 |  |  | 8,786
PCI loans, net of purchase accounting adjustments |  |  |  | - |  |  | - |  |  | 2,963 |  |  | 2,963
Total |  |  | $ | 19,497 |  | $ | 16,958 |  | $ | 15,395 |  | $ | 11,749
Schedule of credit quality indicators by class of loans |
|  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Revolving |  |
|  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Loans |  |
|  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Converted |  |
|  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Revolving |  | To Term |  |
|  | 2020 |  | 2019 |  | 2018 |  | 2017 |  | 2016 |  | Prior |  | Loans |  | Loans |  | Total
Commercial |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass |  | $ | 13,380 |  | $ | 48,708 |  | $ | 20,606 |  | $ | 10,684 |  | $ | 3,837 |  | $ | 4,074 |  | $ | 232,347 |  | $ | - |  | $ | 333,636
Special Mention |  |  | - |  |  | 11,152 |  |  | - |  |  | 17 |  |  | 394 |  |  | 49 |  |  | 8,118 |  |  | - |  |  | 19,730
Substandard 1 |  |  | - |  |  | 246 |  |  | 2,672 |  |  | - |  |  | 2,188 |  |  | - |  |  | 6,154 |  |  | - |  |  | 11,260
Total commercial |  |  | 13,380 |  |  | 60,106 |  |  | 23,278 |  |  | 10,701 |  |  | 6,419 |  |  | 4,123 |  |  | 246,619 |  |  | - |  |  | 364,626
Leases |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass |  |  | 14,148 |  |  | 65,670 |  |  | 22,923 |  |  | 10,133 |  |  | 9,848 |  |  | 2,892 |  |  | - |  |  | - |  |  | 125,614
Special Mention |  |  | - |  |  | 359 |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | 359
Substandard 1 |  |  | - |  |  | - |  |  | - |  |  | 77 |  |  | 187 |  |  | - |  |  | - |  |  | - |  |  | 264
Total leases |  |  | 14,148 |  |  | 66,029 |  |  | 22,923 |  |  | 10,210 |  |  | 10,035 |  |  | 2,892 |  |  | - |  |  | - |  |  | 126,237
Commercial real estate - Investor |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass |  |  | 10,194 |  |  | 187,200 |  |  | 113,009 |  |  | 80,622 |  |  | 61,530 |  |  | 43,051 |  |  | 1,412 |  |  | - |  |  | 497,018
Special Mention |  |  | - |  |  | 153 |  |  | - |  |  | 583 |  |  | 19 |  |  | 59 |  |  | - |  |  | - |  |  | 814
Substandard 1 |  |  | - |  |  | 4,059 |  |  | 146 |  |  | - |  |  | 275 |  |  | 1,593 |  |  | - |  |  | - |  |  | 6,073
Total commercial real estate - investor |  |  | 10,194 |  |  | 191,412 |  |  | 113,155 |  |  | 81,205 |  |  | 61,824 |  |  | 44,703 |  |  | 1,412 |  |  | - |  |  | 503,905
Commercial real estate - Owner occupied |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass |  |  | 28,511 |  |  | 60,137 |  |  | 86,544 |  |  | 48,503 |  |  | 54,557 |  |  | 48,603 |  |  | 1,828 |  |  | - |  |  | 328,683
Special Mention |  |  | - |  |  | 557 |  |  | 560 |  |  | 2,805 |  |  | 5,325 |  |  | 1,161 |  |  | - |  |  | - |  |  | 10,408
Substandard 1 |  |  | 1,046 |  |  | 3,498 |  |  | 1,054 |  |  | 2,509 |  |  | 1,691 |  |  | 706 |  |  | - |  |  | - |  |  | 10,504
Total commercial real estate - owner occupied |  |  | 29,557 |  |  | 64,192 |  |  | 88,158 |  |  | 53,817 |  |  | 61,573 |  |  | 50,470 |  |  | 1,828 |  |  | - |  |  | 349,595
Construction |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass |  |  | 9,239 |  |  | 36,982 |  |  | 16,472 |  |  | 3,248 |  |  | 1,035 |  |  | 1,339 |  |  | 7,388 |  |  | - |  |  | 75,703
Special Mention |  |  | 42 |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | 42
Substandard 1 |  |  | - |  |  | - |  |  | 2,364 |  |  | - |  |  | - |  |  | 50 |  |  | - |  |  | - |  |  | 2,414
Total construction |  |  | 9,281 |  |  | 36,982 |  |  | 18,836 |  |  | 3,248 |  |  | 1,035 |  |  | 1,389 |  |  | 7,388 |  |  | - |  |  | 78,159
Residential real estate - Investor |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass |  |  | 3,599 |  |  | 22,824 |  |  | 12,634 |  |  | 10,586 |  |  | 3,543 |  |  | 13,388 |  |  | 1,403 |  |  | - |  |  | 67,977
Special Mention |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | -
Substandard 1 |  |  | 346 |  |  | - |  |  | 644 |  |  | 4 |  |  | - |  |  | 458 |  |  | - |  |  | - |  |  | 1,452
Total residential real estate - investor |  |  | 3,945 |  |  | 22,824 |  |  | 13,278 |  |  | 10,590 |  |  | 3,543 |  |  | 13,846 |  |  | 1,403 |  |  | - |  |  | 69,429
Residential real estate - Owner occupied |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass |  |  | 1,505 |  |  | 27,584 |  |  | 16,814 |  |  | 26,024 |  |  | 11,519 |  |  | 39,578 |  |  | 2,390 |  |  | - |  |  | 125,414
Special Mention |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | -
Substandard 1 |  |  | - |  |  | 73 |  |  | - |  |  | 625 |  |  | 386 |  |  | 3,484 |  |  | - |  |  | - |  |  | 4,568
Total residential real estate - owner occupied |  |  | 1,505 |  |  | 27,657 |  |  | 16,814 |  |  | 26,649 |  |  | 11,905 |  |  | 43,062 |  |  | 2,390 |  |  | - |  |  | 129,982
Multifamily |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass |  |  | 4,167 |  |  | 56,534 |  |  | 45,839 |  |  | 46,900 |  |  | 13,903 |  |  | 20,624 |  |  | 312 |  |  | - |  |  | 188,279
Special Mention |  |  | - |  |  | - |  |  | 1,634 |  |  | - |  |  | 10 |  |  | - |  |  | - |  |  | - |  |  | 1,644
Substandard 1 |  |  | - |  |  | - |  |  | 2,374 |  |  | 619 |  |  | - |  |  | 2,381 |  |  | - |  |  | - |  |  | 5,374
Total multifamily |  |  | 4,167 |  |  | 56,534 |  |  | 49,847 |  |  | 47,519 |  |  | 13,913 |  |  | 23,005 |  |  | 312 |  |  | - |  |  | 195,297
HELOC |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass |  |  | 957 |  |  | 3,541 |  |  | 2,448 |  |  | 2,916 |  |  | 1,176 |  |  | 1,500 |  |  | 78,986 |  |  | - |  |  | 91,524
Special Mention |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | 13 |  |  | - |  |  | 13
Substandard 1 |  |  | 29 |  |  | 9 |  |  | 50 |  |  | 67 |  |  | 29 |  |  | 555 |  |  | 889 |  |  | - |  |  | 1,628
Total HELOC |  |  | 986 |  |  | 3,550 |  |  | 2,498 |  |  | 2,983 |  |  | 1,205 |  |  | 2,055 |  |  | 79,888 |  |  | - |  |  | 93,165
HELOC - Purchased |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | 30,766 |  |  | - |  |  | - |  |  | 30,766
Special Mention |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | -
Substandard 1 |  |  | - |  |  | 65 |  |  | 49 |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | 114
Total HELOC - purchased |  |  | - |  |  | 65 |  |  | 49 |  |  | - |  |  | - |  |  | 30,766 |  |  | - |  |  | - |  |  | 30,880
Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass |  |  | 258 |  |  | 3,442 |  |  | 1,334 |  |  | 551 |  |  | 737 |  |  | 423 |  |  | 8,835 |  |  | - |  |  | 15,580
Special Mention |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | -
Substandard 1 |  |  | - |  |  | - |  |  | 340 |  |  | 8 |  |  | 1 |  |  | - |  |  | - |  |  | - |  |  | 349
Total other |  |  | 258 |  |  | 3,442 |  |  | 1,674 |  |  | 559 |  |  | 738 |  |  | 423 |  |  | 8,835 |  |  | - |  |  | 15,929
Total loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass |  |  | 85,958 |  |  | 512,622 |  |  | 338,623 |  |  | 240,167 |  |  | 161,685 |  |  | 206,238 |  |  | 334,901 |  |  | - |  |  | 1,880,194
Special Mention |  |  | 42 |  |  | 12,221 |  |  | 2,194 |  |  | 3,405 |  |  | 5,748 |  |  | 1,269 |  |  | 8,131 |  |  | - |  |  | 33,010
Substandard 1 |  |  | 1,421 |  |  | 7,950 |  |  | 9,693 |  |  | 3,909 |  |  | 4,757 |  |  | 9,227 |  |  | 7,043 |  |  | - |  |  | 44,000
Total loans |  | $ | 87,421 |  | $ | 532,793 |  | $ | 350,510 |  | $ | 247,481 |  | $ | 172,190 |  | $ | 216,734 |  | $ | 350,075 |  | $ | - |  | $ | 1,957,204
1 The substandard credit quality indicator includes both potential problem loans that are currently performing and nonperforming loans. Credit quality indicators by loan segment at December 31, 2019 were as follows:
December 31, 2019 |  |  |  |  | Special |  |  |  |  |  |  |  |  |
|  | Pass |  | Mention |  | Substandard 2 |  | Doubtful |  | Total
Commercial |  | $ | 307,948 |  | $ | 13,206 |  | $ | 11,688 |  | $ | - |  | $ | 332,842
Leases |  |  | 119,045 |  |  | 377 |  |  | 329 |  |  | - |  |  | 119,751
Commercial real estate - Investor |  |  | 510,640 |  |  | 4,529 |  |  | 4,926 |  |  |  |  |  | 520,095
Commercial real estate - Owner occupied |  |  | 330,891 |  |  | 6,657 |  |  | 7,956 |  |  | - |  |  | 345,504
Construction |  |  | 69,355 |  |  | - |  |  | 262 |  |  | - |  |  | 69,617
Residential real estate - Investor |  |  | 69,715 |  |  | - |  |  | 1,390 |  |  | - |  |  | 71,105
Residential real estate - Owner occupied |  |  | 132,258 |  |  | 134 |  |  | 3,631 |  |  | - |  |  | 136,023
Multifamily |  |  | 187,560 |  |  | 1,710 |  |  | 503 |  |  | - |  |  | 189,773
HELOC |  |  | 89,804 |  |  | 12 |  |  | 1,789 |  |  | - |  |  | 91,605
HELOC - Purchased |  |  | 31,672 |  |  | - |  |  | 180 |  |  |  |  |  | 31,852
Other 1 |  |  | 13,685 |  |  | - |  |  | 359 |  |  | - |  |  | 14,044
Total, excluding PCI loans |  | $ | 1,862,573 |  | $ | 26,625 |  | $ | 33,013 |  | $ | - |  | $ | 1,922,211
PCI loans, net of purchase accounting adjustments |  |  | 573 |  |  | 261 |  |  | 7,767 |  |  | - |  |  | 8,601
Total |  | $ | 1,863,146 |  | $ | 26,886 |  | $ | 40,780 |  | $ | - |  | $ | 1,930,812
1 The “Other” class includes consumer, overdrafts and net deferred costs. 2 The substandard credit quality indicator includes both potential problem loans that are currently performing and nonperforming loans.
Schedule of TDRs modified during the period by type of modification |
|  | TDR Modifications |
|  | Three Months Ended March 31, 2019 |
|  | # of |  | Pre-modification |  | Post-modification |
|  | contracts |  | recorded investment |  | recorded investment |
Troubled debt restructurings |  |  |  |  |  |  |  |  |
Commercial real estate - owner occupied |  |  |  |  |  |  |  |  |
Other 1 |  | 1 |  | $ | 58 |  | $ | 58 |
Residential real estate - owner occupied |  |  |  |  |  |  |  |  |
HAMP 2 |  | 1 |  |  | 105 |  |  | 9 |
HELOC |  |  |  |  |  |  |  |  |
HAMP 2 |  | 1 |  |  | 39 |  |  | 34 |
Other 1 |  | 1 |  |  | 39 |  |  | 38 |
Total |  | 4 |  | $ | 241 |  | $ | 139 |
1 Other: Change of terms from bankruptcy court. 2 HAMP: Home Affordable Modification Program.

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