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LOANS AND THE ALLOWANCE FOR LOAN LOSSES (Tables) | 9 Months Ended
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Sep. 30, 2019
LOANS AND THE ALLOWANCE FOR LOAN LOSSES |
Summary of Loans |
|  | September 30, |  | December 31,
|  | 2019 |  | 2018
|  | (dollars in thousands)
Commercial and industrial |  | $ | 340,650 |  | $ | 360,501
Agricultural and farmland |  |  | 205,041 |  |  | 209,875
Commercial real estate - owner occupied |  |  | 239,805 |  |  | 255,074
Commercial real estate - non-owner occupied |  |  | 552,262 |  |  | 533,910
Multi-family |  |  | 191,646 |  |  | 135,925
Construction and land development |  |  | 210,939 |  |  | 237,275
One-to-four family residential |  |  | 321,947 |  |  | 313,108
Municipal, consumer, and other |  |  | 108,724 |  |  | 98,589
Total loans, before allowance for loan losses |  |  | 2,171,014 |  |  | 2,144,257
Allowance for loan losses |  |  | (22,761) |  |  | (20,509)
Loans, net of allowance for loan losses |  | $ | 2,148,253 |  | $ | 2,123,748
Schedule of activity in allowance for loan losses | The following tables detail activity in the allowance for loan losses for the three and nine months ended September 30, 2019 and 2018:
|  |  |  |  |  |  |  | Commercial |  | Commercial |  |  |  |  |  |  |  |  |  |  | Municipal, |  |  |
|  | Commercial |  | Agricultural |  | Real Estate |  | Real Estate |  |  |  |  | Construction |  | One-to-four |  | Consumer, |  |  |
|  | and |  | and |  | Owner |  | Non-owner |  |  |  |  | and Land |  | Family |  | and |  |  |
Three Months Ended September 30, 2019 |  | Industrial |  | Farmland |  | Occupied |  | Occupied |  | Multi‑Family |  | Development |  | Residential |  | Other |  | Total
Allowance for loan losses: |  | (dollars in thousands)
Balance, June 30, 2019 |  | $ | 5,187 |  | $ | 2,862 |  | $ | 2,487 |  | $ | 2,721 |  | $ | 1,153 |  | $ | 3,723 |  | $ | 3,569 |  | $ | 840 |  | $ | 22,542
Provision for loan losses |  |  | (915) |  |  | (133) |  |  | (482) |  |  | 521 |  |  | (182) |  |  | (601) |  |  | (692) |  |  | 3,168 |  |  | 684
Charge-offs |  |  | (32) |  |  | — |  |  | (216) |  |  | (111) |  |  | (41) |  |  | — |  |  | (387) |  |  | (150) |  |  | (937)
Recoveries |  |  | 313 |  |  | — |  |  | 26 |  |  | 5 |  |  | — |  |  | 1 |  |  | 42 |  |  | 85 |  |  | 472
Balance, September 30, 2019 |  | $ | 4,553 |  | $ | 2,729 |  | $ | 1,815 |  | $ | 3,136 |  | $ | 930 |  | $ | 3,123 |  | $ | 2,532 |  | $ | 3,943 |  | $ | 22,761
|  |  |  |  |  |  |  | Commercial |  | Commercial |  |  |  |  |  |  |  |  |  |  | Municipal, |  |  |
|  | Commercial |  | Agricultural |  | Real Estate |  | Real Estate |  |  |  |  | Construction |  | One-to-four |  | Consumer, |  |  |
|  | and |  | and |  | Owner |  | Non-owner |  |  |  |  | and Land |  | Family |  | and |  |  |
Three Months Ended September 30, 2018 |  | Industrial |  | Farmland |  | Occupied |  | Occupied |  | Multi‑Family |  | Development |  | Residential |  | Other |  | Total
Allowance for loan losses: |  | (dollars in thousands)
Balance, June 30, 2018 |  | $ | 4,927 |  | $ | 2,375 |  | $ | 1,616 |  | $ | 2,930 |  | $ | 920 |  | $ | 3,345 |  | $ | 3,062 |  | $ | 1,170 |  | $ | 20,345
Provision for loan losses |  |  | 220 |  |  | 319 |  |  | 47 |  |  | (36) |  |  | (13) |  |  | 365 |  |  | 213 |  |  | 123 |  |  | 1,238
Charge-offs |  |  | (43) |  |  | — |  |  | (44) |  |  | — |  |  | — |  |  | — |  |  | (439) |  |  | (136) |  |  | (662)
Recoveries |  |  | 30 |  |  | — |  |  | 45 |  |  | 5 |  |  | — |  |  | 2 |  |  | 109 |  |  | 59 |  |  | 250
Balance, September 30, 2018 |  | $ | 5,134 |  | $ | 2,694 |  | $ | 1,664 |  | $ | 2,899 |  | $ | 907 |  | $ | 3,712 |  | $ | 2,945 |  | $ | 1,216 |  | $ | 21,171
|  |  |  |  |  |  |  | Commercial |  | Commercial |  |  |  |  |  |  |  |  |  |  | Municipal, |  |  |
|  | Commercial |  | Agricultural |  | Real Estate |  | Real Estate |  |  |  |  | Construction |  | One-to-four |  | Consumer, |  |  |
|  | and |  | and |  | Owner |  | Non-owner |  |  |  |  | and Land |  | Family |  | and |  |  |
Nine Months Ended September 30, 2019 |  | Industrial |  | Farmland |  | Occupied |  | Occupied |  | Multi‑Family |  | Development |  | Residential |  | Other |  | Total
Allowance for loan losses: |  | (dollars in thousands)
Balance, December 31, 2018 |  | $ | 3,748 |  | $ | 2,650 |  | $ | 2,506 |  | $ | 2,644 |  | $ | 912 |  | $ | 4,176 |  | $ | 2,782 |  | $ | 1,091 |  | $ | 20,509
Provision for loan losses |  |  | 700 |  |  | 109 |  |  | (356) |  |  | 588 |  |  | 59 |  |  | (1,478) |  |  | 541 |  |  | 3,103 |  |  | 3,266
Charge-offs |  |  | (315) |  |  | (30) |  |  | (382) |  |  | (111) |  |  | (41) |  |  | (9) |  |  | (1,026) |  |  | (522) |  |  | (2,436)
Recoveries |  |  | 420 |  |  | — |  |  | 47 |  |  | 15 |  |  | — |  |  | 434 |  |  | 235 |  |  | 271 |  |  | 1,422
Balance, September 30, 2019 |  | $ | 4,553 |  | $ | 2,729 |  | $ | 1,815 |  | $ | 3,136 |  | $ | 930 |  | $ | 3,123 |  | $ | 2,532 |  | $ | 3,943 |  | $ | 22,761
|  |  |  |  |  |  |  | Commercial |  | Commercial |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
|  | Commercial |  | Agricultural |  | Real Estate |  | Real Estate |  |  |  |  |  |  |  |  |  |  | Consumer |  |  |
|  | and |  | and |  | Owner |  | Non-owner |  |  |  |  | Construction |  | Residential |  | and |  |  |
Nine Months Ended September 30, 2018 |  | Industrial |  | Farmland |  | Occupied |  | Occupied |  | Multi‑Family |  | and Land |  | Real Estate |  | Other |  | Total
Allowance for loan losses: |  | (dollars in thousands)
Balance, December 31, 2017 |  | $ | 5,411 |  | $ | 2,385 |  | $ | 1,510 |  | $ | 2,476 |  | $ | 997 |  | $ | 2,981 |  | $ | 2,723 |  | $ | 1,282 |  | $ | 19,765
Provision for loan losses |  |  | (213) |  |  | 309 |  |  | 149 |  |  | 356 |  |  | (90) |  |  | 528 |  |  | 553 |  |  | 199 |  |  | 1,791
Charge-offs |  |  | (178) |  |  | — |  |  | (46) |  |  | (69) |  |  | — |  |  | (53) |  |  | (727) |  |  | (459) |  |  | (1,532)
Recoveries |  |  | 114 |  |  | — |  |  | 51 |  |  | 136 |  |  | — |  |  | 256 |  |  | 396 |  |  | 194 |  |  | 1,147
Balance, September 30, 2018 |  | $ | 5,134 |  | $ | 2,694 |  | $ | 1,664 |  | $ | 2,899 |  | $ | 907 |  | $ | 3,712 |  | $ | 2,945 |  | $ | 1,216 |  | $ | 21,171
The following tables present the recorded investments in loans and the allowance for loan losses by category as of September 30, 2019 and December 31, 2018:
|  |  |  |  |  |  |  | Commercial |  | Commercial |  |  |  |  |  |  |  |  |  |  | Municipal, |  |  |
|  | Commercial |  | Agricultural |  | Real Estate |  | Real Estate |  |  |  |  | Construction |  | One-to-four |  | Consumer, |  |  |
|  | and |  | and |  | Owner |  | Non-owner |  |  |  |  | and Land |  | Family |  | and |  |  |
September 30, 2019 |  | Industrial |  | Farmland |  | Occupied |  | Occupied |  | Multi‑Family |  | Development |  | Residential |  | Other |  | Total
Loan balances: |  | (dollars in thousands)
Collectively evaluated for impairment |  | $ | 328,063 |  | $ | 188,068 |  | $ | 218,223 |  | $ | 529,096 |  | $ | 188,715 |  | $ | 204,553 |  | $ | 298,978 |  | $ | 94,654 |  | $ | 2,050,350
Individually evaluated for impairment |  |  | 10,163 |  |  | 15,860 |  |  | 12,441 |  |  | 3,835 |  |  | 1,334 |  |  | 2,694 |  |  | 11,810 |  |  | 13,970 |  |  | 72,107
Acquired with deteriorated credit quality |  |  | 2,424 |  |  | 1,113 |  |  | 9,141 |  |  | 19,331 |  |  | 1,597 |  |  | 3,692 |  |  | 11,159 |  |  | 100 |  |  | 48,557
Total |  | $ | 340,650 |  | $ | 205,041 |  | $ | 239,805 |  | $ | 552,262 |  | $ | 191,646 |  | $ | 210,939 |  | $ | 321,947 |  | $ | 108,724 |  | $ | 2,171,014
Allowance for loan losses: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Collectively evaluated for impairment |  | $ | 2,044 |  | $ | 2,503 |  | $ | 1,431 |  | $ | 2,761 |  | $ | 921 |  | $ | 1,697 |  | $ | 1,560 |  | $ | 860 |  | $ | 13,777
Individually evaluated for impairment |  |  | 2,509 |  |  | 73 |  |  | 323 |  |  | 71 |  |  | — |  |  | 1,262 |  |  | 853 |  |  | 3,082 |  |  | 8,173
Acquired with deteriorated credit quality |  |  | — |  |  | 153 |  |  | 61 |  |  | 304 |  |  | 9 |  |  | 164 |  |  | 119 |  |  | 1 |  |  | 811
Total |  | $ | 4,553 |  | $ | 2,729 |  | $ | 1,815 |  | $ | 3,136 |  | $ | 930 |  | $ | 3,123 |  | $ | 2,532 |  | $ | 3,943 |  | $ | 22,761
|  |  |  |  |  |  |  | Commercial |  | Commercial |  |  |  |  |  |  |  |  |  |  | Municipal, |  |  |
|  | Commercial |  | Agricultural |  | Real Estate |  | Real Estate |  |  |  |  | Construction |  | One-to-four |  | Consumer, |  |  |
|  | and |  | and |  | Owner |  | Non-owner |  |  |  |  | and Land |  | Family |  | and |  |  |
December 31, 2018 |  | Industrial |  | Farmland |  | Occupied |  | Occupied |  | Multi‑Family |  | Development |  | Residential |  | Other |  | Total
Loan balances: |  | (dollars in thousands)
Collectively evaluated for impairment |  | $ | 350,435 |  | $ | 197,414 |  | $ | 226,068 |  | $ | 504,368 |  | $ | 132,379 |  | $ | 229,626 |  | $ | 287,173 |  | $ | 98,059 |  | $ | 2,025,522
Individually evaluated for impairment |  |  | 7,488 |  |  | 11,295 |  |  | 19,202 |  |  | 7,820 |  |  | 1,678 |  |  | 3,331 |  |  | 12,837 |  |  | 416 |  |  | 64,067
Acquired with deteriorated credit quality |  |  | 2,578 |  |  | 1,166 |  |  | 9,804 |  |  | 21,722 |  |  | 1,868 |  |  | 4,318 |  |  | 13,098 |  |  | 114 |  |  | 54,668
Total |  | $ | 360,501 |  | $ | 209,875 |  | $ | 255,074 |  | $ | 533,910 |  | $ | 135,925 |  | $ | 237,275 |  | $ | 313,108 |  | $ | 98,589 |  | $ | 2,144,257
Allowance for loan losses: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Collectively evaluated for impairment |  | $ | 2,188 |  | $ | 2,611 |  | $ | 1,423 |  | $ | 2,566 |  | $ | 640 |  | $ | 2,024 |  | $ | 1,464 |  | $ | 1,024 |  | $ | 13,940
Individually evaluated for impairment |  |  | 1,554 |  |  | 39 |  |  | 1,066 |  |  | 73 |  |  | 267 |  |  | 1,714 |  |  | 1,265 |  |  | 67 |  |  | 6,045
Acquired with deteriorated credit quality |  |  | 6 |  |  | — |  |  | 17 |  |  | 5 |  |  | 5 |  |  | 438 |  |  | 53 |  |  | — |  |  | 524
Total |  | $ | 3,748 |  | $ | 2,650 |  | $ | 2,506 |  | $ | 2,644 |  | $ | 912 |  | $ | 4,176 |  | $ | 2,782 |  | $ | 1,091 |  | $ | 20,509
Schedule of loans individually evaluated for impairment by category |
|  | Unpaid |  |  |  |  |  |  |  | Average |  | Interest
|  | Principal |  | Recorded |  | Related |  | Recorded |  | Income
September 30, 2019 |  | Balance |  | Investment |  | Allowance |  | Investment |  | Recognized
With an allowance recorded: |  | (dollars in thousands)
Commercial and industrial |  | $ | 4,902 |  | $ | 4,902 |  | $ | 2,509 |  | $ | 5,081 |  | $ | 115
Agricultural and farmland |  |  | 490 |  |  | 490 |  |  | 73 |  |  | 404 |  |  | 12
Commercial real estate - owner occupied |  |  | 1,953 |  |  | 1,953 |  |  | 323 |  |  | 1,998 |  |  | 90
Commercial real estate - non-owner occupied |  |  | 101 |  |  | 100 |  |  | 71 |  |  | 102 |  |  | 5
Multi-family |  |  | — |  |  | — |  |  | — |  |  | — |  |  | —
Construction and land development |  |  | 2,591 |  |  | 2,590 |  |  | 1,262 |  |  | 2,842 |  |  | 131
One-to-four family residential |  |  | 2,095 |  |  | 2,087 |  |  | 853 |  |  | 2,091 |  |  | 65
Municipal, consumer, and other |  |  | 9,202 |  |  | 9,175 |  |  | 3,082 |  |  | 9,202 |  |  | 103
Total |  | $ | 21,334 |  | $ | 21,297 |  | $ | 8,173 |  | $ | 21,720 |  | $ | 521
With no related allowance: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial and industrial |  | $ | 5,258 |  | $ | 5,261 |  | $ | — |  | $ | 5,681 |  | $ | 150
Agricultural and farmland |  |  | 15,369 |  |  | 15,370 |  |  | — |  |  | 15,889 |  |  | 352
Commercial real estate - owner occupied |  |  | 10,479 |  |  | 10,488 |  |  | — |  |  | 10,640 |  |  | 360
Commercial real estate - non-owner occupied |  |  | 3,730 |  |  | 3,735 |  |  | — |  |  | 4,000 |  |  | 111
Multi-family |  |  | 1,337 |  |  | 1,334 |  |  | — |  |  | 1,349 |  |  | 9
Construction and land development |  |  | 105 |  |  | 104 |  |  | — |  |  | 107 |  |  | 3
One-to-four family residential |  |  | 9,751 |  |  | 9,723 |  |  | — |  |  | 10,107 |  |  | 194
Municipal, consumer, and other |  |  | 4,809 |  |  | 4,795 |  |  | — |  |  | 4,871 |  |  | 71
Total |  | $ | 50,838 |  | $ | 50,810 |  | $ | — |  | $ | 52,644 |  | $ | 1,250
Total: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial and industrial |  | $ | 10,160 |  | $ | 10,163 |  | $ | 2,509 |  | $ | 10,762 |  | $ | 265
Agricultural and farmland |  |  | 15,859 |  |  | 15,860 |  |  | 73 |  |  | 16,293 |  |  | 364
Commercial real estate - owner occupied |  |  | 12,432 |  |  | 12,441 |  |  | 323 |  |  | 12,638 |  |  | 450
Commercial real estate - non-owner occupied |  |  | 3,831 |  |  | 3,835 |  |  | 71 |  |  | 4,102 |  |  | 116
Multi-family |  |  | 1,337 |  |  | 1,334 |  |  | — |  |  | 1,349 |  |  | 9
Construction and land development |  |  | 2,696 |  |  | 2,694 |  |  | 1,262 |  |  | 2,949 |  |  | 134
One-to-four family residential |  |  | 11,846 |  |  | 11,810 |  |  | 853 |  |  | 12,198 |  |  | 259
Municipal, consumer, and other |  |  | 14,011 |  |  | 13,970 |  |  | 3,082 |  |  | 14,073 |  |  | 174
Total |  | $ | 72,172 |  | $ | 72,107 |  | $ | 8,173 |  | $ | 74,364 |  | $ | 1,771
|  | Unpaid |  |  |  |  |  |  |  | Average |  | Interest
|  | Principal |  | Recorded |  | Related |  | Recorded |  | Income
December 31, 2018 |  | Balance |  | Investment |  | Allowance |  | Investment |  | Recognized
With an allowance recorded: |  | (dollars in thousands)
Commercial and industrial |  | $ | 2,833 |  | $ | 2,833 |  | $ | 1,554 |  | $ | 4,274 |  | $ | 106
Agricultural and farmland |  |  | 406 |  |  | 406 |  |  | 39 |  |  | 566 |  |  | 16
Commercial real estate - owner occupied |  |  | 2,323 |  |  | 2,322 |  |  | 1,066 |  |  | 3,574 |  |  | 67
Commercial real estate - non-owner occupied |  |  | 103 |  |  | 103 |  |  | 73 |  |  | 640 |  |  | 7
Multi-family |  |  | 1,362 |  |  | 1,362 |  |  | 267 |  |  | 1,472 |  |  | 66
Construction and land development |  |  | 3,136 |  |  | 3,135 |  |  | 1,714 |  |  | 2,593 |  |  | 161
One-to-four family residential |  |  | 3,022 |  |  | 3,008 |  |  | 1,265 |  |  | 3,377 |  |  | 82
Municipal, consumer, and other |  |  | 230 |  |  | 231 |  |  | 67 |  |  | 302 |  |  | 5
Total |  | $ | 13,415 |  | $ | 13,400 |  | $ | 6,045 |  | $ | 16,798 |  | $ | 510
With no related allowance: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial and industrial |  | $ | 4,651 |  | $ | 4,655 |  | $ | — |  | $ | 5,093 |  | $ | 59
Agricultural and farmland |  |  | 10,888 |  |  | 10,889 |  |  | — |  |  | 8,815 |  |  | 526
Commercial real estate - owner occupied |  |  | 16,891 |  |  | 16,880 |  |  | — |  |  | 12,217 |  |  | 384
Commercial real estate - non-owner occupied |  |  | 7,715 |  |  | 7,717 |  |  | — |  |  | 7,110 |  |  | 147
Multi-family |  |  | 316 |  |  | 316 |  |  | — |  |  | 355 |  |  | 17
Construction and land development |  |  | 198 |  |  | 196 |  |  | — |  |  | 528 |  |  | 3
One-to-four family residential |  |  | 9,874 |  |  | 9,829 |  |  | — |  |  | 10,706 |  |  | 168
Municipal, consumer, and other |  |  | 184 |  |  | 185 |  |  | — |  |  | 297 |  |  | 5
Total |  | $ | 50,717 |  | $ | 50,667 |  | $ | — |  | $ | 45,121 |  | $ | 1,309
Total: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial and industrial |  | $ | 7,484 |  | $ | 7,488 |  | $ | 1,554 |  | $ | 9,367 |  | $ | 165
Agricultural and farmland |  |  | 11,294 |  |  | 11,295 |  |  | 39 |  |  | 9,381 |  |  | 542
Commercial real estate - owner occupied |  |  | 19,214 |  |  | 19,202 |  |  | 1,066 |  |  | 15,791 |  |  | 451
Commercial real estate - non-owner occupied |  |  | 7,818 |  |  | 7,820 |  |  | 73 |  |  | 7,750 |  |  | 154
Multi-family |  |  | 1,678 |  |  | 1,678 |  |  | 267 |  |  | 1,827 |  |  | 83
Construction and land development |  |  | 3,334 |  |  | 3,331 |  |  | 1,714 |  |  | 3,121 |  |  | 164
One-to-four family residential |  |  | 12,896 |  |  | 12,837 |  |  | 1,265 |  |  | 14,083 |  |  | 250
Municipal, consumer, and other |  |  | 414 |  |  | 416 |  |  | 67 |  |  | 599 |  |  | 10
Total |  | $ | 64,132 |  | $ | 64,067 |  | $ | 6,045 |  | $ | 61,919 |  | $ | 1,819
Schedule of recorded investment on past due basis |
|  | Accruing Interest |  |  |  |  |  |
|  |  |  |  | 30 - 89 Days |  | 90+ Days |  |  |  |  | Total
September 30, 2019 |  | Current |  | Past Due |  | Past Due |  | Nonaccrual |  | Loans
|  | (dollars in thousands)
Commercial and industrial |  | $ | 334,983 |  | $ | 811 |  | $ | 29 |  | $ | 4,827 |  | $ | 340,650
Agricultural and farmland |  |  | 198,506 |  |  | 370 |  |  | — |  |  | 6,165 |  |  | 205,041
Commercial real estate - owner occupied |  |  | 235,322 |  |  | 3,118 |  |  | 184 |  |  | 1,181 |  |  | 239,805
Commercial real estate - non-owner occupied |  |  | 551,393 |  |  | 225 |  |  | 66 |  |  | 578 |  |  | 552,262
Multi-family |  |  | 190,157 |  |  | — |  |  | 155 |  |  | 1,334 |  |  | 191,646
Construction and land development |  |  | 210,746 |  |  | 140 |  |  | — |  |  | 53 |  |  | 210,939
One-to-four family residential |  |  | 314,807 |  |  | 2,145 |  |  | 357 |  |  | 4,638 |  |  | 321,947
Municipal, consumer, and other |  |  | 108,256 |  |  | 267 |  |  | — |  |  | 201 |  |  | 108,724
Total loans |  | $ | 2,144,170 |  | $ | 7,076 |  | $ | 791 |  | $ | 18,977 |  | $ | 2,171,014
|  | Accruing Interest |  |  |  |  |  |
|  |  |  |  | 30 - 89 Days |  | 90+ Days |  |  |  |  | Total
December 31, 2018 |  | Current |  | Past Due |  | Past Due |  | Nonaccrual |  | Loans
|  | (dollars in thousands)
Commercial and industrial |  | $ | 356,481 |  | $ | 122 |  | $ | 1,747 |  | $ | 2,151 |  | $ | 360,501
Agricultural and farmland |  |  | 207,791 |  |  | 108 |  |  | — |  |  | 1,976 |  |  | 209,875
Commercial real estate - owner occupied |  |  | 249,698 |  |  | 538 |  |  | 184 |  |  | 4,654 |  |  | 255,074
Commercial real estate - non-owner occupied |  |  | 532,241 |  |  | 1,058 |  |  | — |  |  | 611 |  |  | 533,910
Multi-family |  |  | 134,368 |  |  | 1,361 |  |  | 196 |  |  | — |  |  | 135,925
Construction and land development |  |  | 236,798 |  |  | 82 |  |  | — |  |  | 395 |  |  | 237,275
One-to-four family residential |  |  | 304,439 |  |  | 2,154 |  |  | 600 |  |  | 5,915 |  |  | 313,108
Municipal, consumer, and other |  |  | 97,998 |  |  | 380 |  |  | 37 |  |  | 174 |  |  | 98,589
Total loans |  | $ | 2,119,814 |  | $ | 5,803 |  | $ | 2,764 |  | $ | 15,876 |  | $ | 2,144,257
Schedule of loans by category risk ratings |
September 30, 2019 |  | Pass |  | Watch |  | Substandard |  | Doubtful |  | Total
|  | (dollars in thousands)
Commercial and industrial |  | $ | 306,285 |  | $ | 22,524 |  | $ | 11,841 |  | $ | — |  | $ | 340,650
Agricultural and farmland |  |  | 178,777 |  |  | 9,577 |  |  | 16,687 |  |  | — |  |  | 205,041
Commercial real estate - owner occupied |  |  | 206,456 |  |  | 21,122 |  |  | 12,227 |  |  | — |  |  | 239,805
Commercial real estate - non-owner occupied |  |  | 503,137 |  |  | 46,735 |  |  | 2,390 |  |  | — |  |  | 552,262
Multi-family |  |  | 188,392 |  |  | 1,765 |  |  | 1,489 |  |  | — |  |  | 191,646
Construction and land development |  |  | 202,554 |  |  | 5,233 |  |  | 3,152 |  |  | — |  |  | 210,939
One-to-four family residential |  |  | 294,322 |  |  | 14,072 |  |  | 13,553 |  |  | — |  |  | 321,947
Municipal, consumer, and other |  |  | 94,336 |  |  | 417 |  |  | 13,971 |  |  | — |  |  | 108,724
Total loans |  | $ | 1,974,259 |  | $ | 121,445 |  | $ | 75,310 |  | $ | — |  | $ | 2,171,014
December 31, 2018 |  | Pass |  | Watch |  | Substandard |  | Doubtful |  | Total
|  | (dollars in thousands)
Commercial and industrial |  | $ | 315,815 |  | $ | 35,176 |  | $ | 9,510 |  | $ | — |  | $ | 360,501
Agricultural and farmland |  |  | 185,598 |  |  | 12,116 |  |  | 12,161 |  |  | — |  |  | 209,875
Commercial real estate - owner occupied |  |  | 217,017 |  |  | 17,845 |  |  | 20,212 |  |  | — |  |  | 255,074
Commercial real estate - non-owner occupied |  |  | 486,859 |  |  | 39,231 |  |  | 7,820 |  |  | — |  |  | 533,910
Multi-family |  |  | 131,583 |  |  | 2,468 |  |  | 1,874 |  |  | — |  |  | 135,925
Construction and land development |  |  | 227,775 |  |  | 5,663 |  |  | 3,837 |  |  | — |  |  | 237,275
One-to-four family residential |  |  | 282,704 |  |  | 14,599 |  |  | 15,805 |  |  | — |  |  | 313,108
Municipal, consumer, and other |  |  | 97,668 |  |  | 497 |  |  | 424 |  |  | — |  |  | 98,589
Total loans |  | $ | 1,945,019 |  | $ | 127,595 |  | $ | 71,643 |  | $ | — |  | $ | 2,144,257
Schedule of financial effect of troubled debt restructurings | The following tables present the financial effect of troubled debt restructurings for the three months ended September 30, 2019 and 2018:
|  |  |  |  |  |  |  |  |  | Charge-offs
|  |  |  | Recorded Investment |  | and Specific
Three Months Ended September 30, 2019 |  | Number |  | Pre-Modification |  | Post-Modification |  | Reserves
|  | (dollars in thousands)
One-to-four family residential |  | 1 |  | $ | 21 |  | $ | 21 |  |  | —
|  |  |  |  |  |  |  |  |  | Charge-offs
|  |  |  | Recorded Investment |  | and Specific
Three Months Ended September 30, 2018 |  | Number |  | Pre-Modification |  | Post-Modification |  | Reserves
|  | (dollars in thousands)
Commercial and industrial |  | 1 |  | $ | 120 |  | $ | 120 |  | $ | 35
Agricultural and farmland |  | 1 |  |  | 171 |  |  | 171 |  |  | —
Commercial real estate - owner occupied |  | 2 |  |  | 5,173 |  |  | 5,189 |  |  | 47
One-to-four family residential |  | 2 |  |  | 898 |  |  | 897 |  |  | 421
Total |  | 6 |  | $ | 6,362 |  | $ | 6,377 |  | $ | 503
The following tables present the financial effect of troubled debt restructurings for the nine months ended September 30, 2019 and 2018:
|  |  |  |  |  |  |  |  |  | Charge-offs
|  |  |  | Recorded Investment |  | and Specific
Nine Months Ended September 30, 2019 |  | Number |  | Pre-Modification |  | Post-Modification |  | Reserves
|  | (dollars in thousands)
Commercial and industrial |  | 3 |  | $ | 516 |  | $ | 516 |  | $ | —
Agricultural and farmland |  | 2 |  |  | 392 |  |  | 392 |  |  | —
Commercial real estate - owner occupied |  | 1 |  |  | 170 |  |  | 170 |  |  | —
One-to-four family residential |  | 1 |  |  | 21 |  |  | 21 |  |  | —
Total |  | 7 |  | $ | 1,099 |  | $ | 1,099 |  | $ | —
|  |  |  |  |  |  |  |  |  | Charge-offs
|  |  |  | Recorded Investment |  | and Specific
Nine Months Ended September 30, 2018 |  | Number |  | Pre-Modification |  | Post-Modification |  | Reserves
|  | (dollars in thousands)
Commercial and industrial |  | 2 |  | $ | 296 |  | $ | 296 |  | $ | 157
Agricultural and farmland |  | 1 |  |  | 171 |  |  | 171 |  |  | —
Commercial real estate - owner occupied |  | 2 |  |  | 5,173 |  |  | 5,189 |  |  | 47
One-to-four family residential |  | 4 |  |  | 1,230 |  |  | 1,255 |  |  | 480
Total |  | 9 |  | $ | 6,870 |  | $ | 6,911 |  | $ | 684
Schedule of changes in the accretable yield for loans acquired with deteriorated credit quality |
|  | Three Months Ended September 30, |  | Nine Months Ended September 30,
|  | 2019 |  | 2018 |  | 2019 |  | 2018
|  | (dollars in thousands)
Beginning balance |  | $ | 1,633 |  | $ | 1,474 |  | $ | 2,101 |  | $ | 2,723
Reclassification from non-accretable difference |  |  | 129 |  |  | 179 |  |  | 536 |  |  | 608
Accretion income |  |  | (231) |  |  | (691) |  |  | (1,106) |  |  | (2,369)
Ending balance |  | $ | 1,531 |  | $ | 962 |  | $ | 1,531 |  | $ | 962

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