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LOANS AND THE ALLOWANCE FOR LOAN LOSSES (Tables) | 9 Months Ended
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Sep. 30, 2020
LOANS AND THE ALLOWANCE FOR LOAN LOSSES |
Summary of Loans |
|  | September 30, |  | December 31,
|  | 2020 |  | 2019
|  | (dollars in thousands)
Commercial and industrial |  | $ | 389,231 |  | $ | 307,175
Agricultural and farmland |  |  | 235,597 |  |  | 207,776
Commercial real estate - owner occupied |  |  | 225,345 |  |  | 231,162
Commercial real estate - non-owner occupied |  |  | 532,454 |  |  | 579,757
Multi-family |  |  | 199,441 |  |  | 179,073
Construction and land development |  |  | 265,758 |  |  | 224,887
One-to-four family residential |  |  | 308,365 |  |  | 313,580
Municipal, consumer, and other |  |  | 123,448 |  |  | 120,416
Loans, before allowance for loan losses |  |  | 2,279,639 |  |  | 2,163,826
Allowance for loan losses |  |  | (31,654) |  |  | (22,299)
Loans, net of allowance for loan losses |  | $ | 2,247,985 |  | $ | 2,141,527
Paycheck Protection Program (PPP) loans (included above) |  |  |  |  |  |
Commercial and industrial |  | $ | 168,466 |  | $ | —
Agricultural and farmland |  |  | 4,179 |  |  | —
Municipal, consumer, and other |  |  | 7,095 |  |  | —
Total PPP loans |  | $ | 179,740 |  | $ | —
Schedule of activity in allowance for loan losses |
|  |  |  |  |  |  |  | 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, 2020 |  | Industrial |  | Farmland |  | Occupied |  | Occupied |  | Multi-Family |  | Development |  | Residential |  | Other |  | Total
Allowance for loan losses: |  | (dollars in thousands)
Balance, June 30, 2020 |  | $ | 4,356 |  | $ | 2,890 |  | $ | 3,257 |  | $ | 6,767 |  | $ | 1,581 |  | $ | 3,366 |  | $ | 3,010 |  | $ | 4,496 |  | $ | 29,723
Provision for loan losses |  |  | (98) |  |  | (585) |  |  | 86 |  |  | 2,496 |  |  | 614 |  |  | 179 |  |  | 138 |  |  | (656) |  |  | 2,174
Charge-offs |  |  | (881) |  |  | — |  |  | (39) |  |  | — |  |  | — |  |  | (26) |  |  | (42) |  |  | (90) |  |  | (1,078)
Recoveries |  |  | 517 |  |  | — |  |  | — |  |  | 5 |  |  | — |  |  | 198 |  |  | 46 |  |  | 69 |  |  | 835
Balance, September 30, 2020 |  | $ | 3,894 |  | $ | 2,305 |  | $ | 3,304 |  | $ | 9,268 |  | $ | 2,195 |  | $ | 3,717 |  | $ | 3,152 |  | $ | 3,819 |  | $ | 31,654
|  |  |  |  |  |  |  | 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 |  |  |
Nine Months Ended September 30, 2020 |  | Industrial |  | Farmland |  | Occupied |  | Occupied |  | Multi-Family |  | Development |  | Residential |  | Other |  | Total
Allowance for loan losses: |  | (dollars in thousands)
Balance, December 31, 2019 |  | $ | 4,441 |  | $ | 2,766 |  | $ | 1,779 |  | $ | 3,663 |  | $ | 1,024 |  | $ | 2,977 |  | $ | 2,540 |  | $ | 3,109 |  | $ | 22,299
Provision for loan losses |  |  | 565 |  |  | (434) |  |  | 1,124 |  |  | 5,591 |  |  | 1,171 |  |  | 551 |  |  | 598 |  |  | 936 |  |  | 10,102
Charge-offs |  |  | (1,690) |  |  | (27) |  |  | (39) |  |  | (56) |  |  | — |  |  | (27) |  |  | (154) |  |  | (466) |  |  | (2,459)
Recoveries |  |  | 578 |  |  | — |  |  | 440 |  |  | 70 |  |  | — |  |  | 216 |  |  | 168 |  |  | 240 |  |  | 1,712
Balance, September 30, 2020 |  | $ | 3,894 |  | $ | 2,305 |  | $ | 3,304 |  | $ | 9,268 |  | $ | 2,195 |  | $ | 3,717 |  | $ | 3,152 |  | $ | 3,819 |  | $ | 31,654
|  |  |  |  |  |  |  | Commercial |  | Commercial |  |  |  |  |  |  |  |  |  |  | Municipal, |  |  |
|  | Commercial |  | Agricultural |  | Real Estate |  | Real Estate |  |  |  |  |  |  |  |  |  |  | Consumer |  |  |
|  | and |  | and |  | Owner |  | Non-owner |  |  |  |  | Construction |  | Residential |  | and |  |  |
Nine Months Ended September 30, 2019 |  | Industrial |  | Farmland |  | Occupied |  | Occupied |  | Multi-Family |  | and Land |  | Real Estate |  | 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 |  |  |  |  |  |  |  |  |  |  | Municipal, |  |  |
|  | Commercial |  | Agricultural |  | Real Estate |  | Real Estate |  |  |  |  | Construction |  | One-to-four |  | Consumer, |  |  |
|  | and |  | and |  | Owner |  | Non-owner |  |  |  |  | and Land |  | Family |  | and |  |  |
September 30, 2020 |  | Industrial |  | Farmland |  | Occupied |  | Occupied |  | Multi-Family |  | Development |  | Residential |  | Other |  | Total
Loan balances: |  | (dollars in thousands)
Collectively evaluated for impairment |  | $ | 382,617 |  | $ | 220,094 |  | $ | 204,200 |  | $ | 485,307 |  | $ | 197,277 |  | $ | 259,453 |  | $ | 287,849 |  | $ | 109,898 |  | $ | 2,146,695
Individually evaluated for impairment |  |  | 5,558 |  |  | 14,555 |  |  | 13,167 |  |  | 32,600 |  |  | 889 |  |  | 3,628 |  |  | 11,219 |  |  | 13,485 |  |  | 95,101
Acquired with deteriorated credit quality |  |  | 1,056 |  |  | 948 |  |  | 7,978 |  |  | 14,547 |  |  | 1,275 |  |  | 2,677 |  |  | 9,297 |  |  | 65 |  |  | 37,843
Total |  | $ | 389,231 |  | $ | 235,597 |  | $ | 225,345 |  | $ | 532,454 |  | $ | 199,441 |  | $ | 265,758 |  | $ | 308,365 |  | $ | 123,448 |  | $ | 2,279,639
Allowance for loan losses: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Collectively evaluated for impairment |  | $ | 2,190 |  | $ | 2,270 |  | $ | 2,509 |  | $ | 7,896 |  | $ | 2,180 |  | $ | 3,290 |  | $ | 2,336 |  | $ | 979 |  | $ | 23,650
Individually evaluated for impairment |  |  | 1,588 |  |  | 33 |  |  | 434 |  |  | 884 |  |  | — |  |  | 226 |  |  | 796 |  |  | 2,840 |  |  | 6,801
Acquired with deteriorated credit quality |  |  | 116 |  |  | 2 |  |  | 361 |  |  | 488 |  |  | 15 |  |  | 201 |  |  | 20 |  |  | — |  |  | 1,203
Total |  | $ | 3,894 |  | $ | 2,305 |  | $ | 3,304 |  | $ | 9,268 |  | $ | 2,195 |  | $ | 3,717 |  | $ | 3,152 |  | $ | 3,819 |  | $ | 31,654
|  |  |  |  |  |  |  | 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, 2019 |  | Industrial |  | Farmland |  | Occupied |  | Occupied |  | Multi-Family |  | Development |  | Residential |  | Other |  | Total
Loan balances: |  | (dollars in thousands)
Collectively evaluated for impairment |  | $ | 294,006 |  | $ | 192,722 |  | $ | 211,744 |  | $ | 561,277 |  | $ | 176,273 |  | $ | 217,708 |  | $ | 291,624 |  | $ | 106,448 |  | $ | 2,051,802
Individually evaluated for impairment |  |  | 10,733 |  |  | 13,966 |  |  | 10,927 |  |  | 3,398 |  |  | 1,324 |  |  | 3,782 |  |  | 11,349 |  |  | 13,872 |  |  | 69,351
Acquired with deteriorated credit quality |  |  | 2,436 |  |  | 1,088 |  |  | 8,491 |  |  | 15,082 |  |  | 1,476 |  |  | 3,397 |  |  | 10,607 |  |  | 96 |  |  | 42,673
Total |  | $ | 307,175 |  | $ | 207,776 |  | $ | 231,162 |  | $ | 579,757 |  | $ | 179,073 |  | $ | 224,887 |  | $ | 313,580 |  | $ | 120,416 |  | $ | 2,163,826
Allowance for loan losses: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Collectively evaluated for impairment |  | $ | 1,926 |  | $ | 2,576 |  | $ | 1,486 |  | $ | 3,591 |  | $ | 1,019 |  | $ | 2,283 |  | $ | 1,684 |  | $ | 931 |  | $ | 15,496
Individually evaluated for impairment |  |  | 2,170 |  |  | 105 |  |  | 270 |  |  | 70 |  |  | — |  |  | 567 |  |  | 822 |  |  | 2,176 |  |  | 6,180
Acquired with deteriorated credit quality |  |  | 345 |  |  | 85 |  |  | 23 |  |  | 2 |  |  | 5 |  |  | 127 |  |  | 34 |  |  | 2 |  |  | 623
Total |  | $ | 4,441 |  | $ | 2,766 |  | $ | 1,779 |  | $ | 3,663 |  | $ | 1,024 |  | $ | 2,977 |  | $ | 2,540 |  | $ | 3,109 |  | $ | 22,299
Schedule of loans individually evaluated for impairment by category | The following tables present loans individually evaluated for impairment by category of loans as of September 30, 2020 and December 31, 2019:
|  | Unpaid |  |  |  |  |  |
|  | Principal |  | Recorded |  | Related
September 30, 2020 |  | Balance |  | Investment |  | Allowance
With an allowance recorded: |  | (dollars in thousands)
Commercial and industrial |  | $ | 2,781 |  | $ | 2,781 |  | $ | 1,588
Agricultural and farmland |  |  | 173 |  |  | 172 |  |  | 33
Commercial real estate - owner occupied |  |  | 1,440 |  |  | 1,441 |  |  | 434
Commercial real estate - non-owner occupied |  |  | 4,203 |  |  | 4,201 |  |  | 884
Multi-family |  |  | — |  |  | — |  |  | —
Construction and land development |  |  | 2,055 |  |  | 2,055 |  |  | 226
One-to-four family residential |  |  | 3,614 |  |  | 3,596 |  |  | 796
Municipal, consumer, and other |  |  | 8,790 |  |  | 8,764 |  |  | 2,840
Total |  | $ | 23,056 |  | $ | 23,010 |  | $ | 6,801
With no related allowance: |  |  |  |  |  |  |  |  |
Commercial and industrial |  | $ | 2,777 |  | $ | 2,777 |  | $ | —
Agricultural and farmland |  |  | 14,383 |  |  | 14,383 |  |  | —
Commercial real estate - owner occupied |  |  | 11,728 |  |  | 11,726 |  |  | —
Commercial real estate - non-owner occupied |  |  | 28,462 |  |  | 28,399 |  |  | —
Multi-family |  |  | 889 |  |  | 889 |  |  | —
Construction and land development |  |  | 1,575 |  |  | 1,573 |  |  | —
One-to-four family residential |  |  | 7,672 |  |  | 7,623 |  |  | —
Municipal, consumer, and other |  |  | 4,733 |  |  | 4,721 |  |  | —
Total |  | $ | 72,219 |  | $ | 72,091 |  | $ | —
Total |  |  |  |  |  |  |  |  |
Commercial and industrial |  | $ | 5,558 |  | $ | 5,558 |  | $ | 1,588
Agricultural and farmland |  |  | 14,556 |  |  | 14,555 |  |  | 33
Commercial real estate - owner occupied |  |  | 13,168 |  |  | 13,167 |  |  | 434
Commercial real estate - non-owner occupied |  |  | 32,665 |  |  | 32,600 |  |  | 884
Multi-family |  |  | 889 |  |  | 889 |  |  | —
Construction and land development |  |  | 3,630 |  |  | 3,628 |  |  | 226
One-to-four family residential |  |  | 11,286 |  |  | 11,219 |  |  | 796
Municipal, consumer, and other |  |  | 13,523 |  |  | 13,485 |  |  | 2,840
Total |  | $ | 95,275 |  | $ | 95,101 |  | $ | 6,801
|  | Unpaid |  |  |  |  |  |
|  | Principal |  | Recorded |  | Related
December 31, 2019 |  | Balance |  | Investment |  | Allowance
With an allowance recorded: |  | (dollars in thousands)
Commercial and industrial |  | $ | 4,292 |  | $ | 4,292 |  | $ | 2,170
Agricultural and farmland |  |  | 590 |  |  | 590 |  |  | 105
Commercial real estate - owner occupied |  |  | 830 |  |  | 830 |  |  | 270
Commercial real estate - non-owner occupied |  |  | 99 |  |  | 99 |  |  | 70
Multi-family |  |  | — |  |  | — |  |  | —
Construction and land development |  |  | 3,679 |  |  | 3,679 |  |  | 567
One-to-four family residential |  |  | 3,401 |  |  | 3,390 |  |  | 822
Municipal, consumer, and other |  |  | 9,138 |  |  | 9,111 |  |  | 2,176
Total |  | $ | 22,029 |  | $ | 21,991 |  | $ | 6,180
With no related allowance: |  |  |  |  |  |  |  |  |
Commercial and industrial |  | $ | 6,438 |  | $ | 6,441 |  | $ | —
Agricultural and farmland |  |  | 13,369 |  |  | 13,376 |  |  | —
Commercial real estate - owner occupied |  |  | 10,089 |  |  | 10,097 |  |  | —
Commercial real estate - non-owner occupied |  |  | 3,297 |  |  | 3,299 |  |  | —
Multi-family |  |  | 1,328 |  |  | 1,324 |  |  | —
Construction and land development |  |  | 104 |  |  | 103 |  |  | —
One-to-four family residential |  |  | 7,986 |  |  | 7,959 |  |  | —
Municipal, consumer, and other |  |  | 4,775 |  |  | 4,761 |  |  | —
Total |  | $ | 47,386 |  | $ | 47,360 |  | $ | —
Total |  |  |  |  |  |  |  |  |
Commercial and industrial |  | $ | 10,730 |  | $ | 10,733 |  | $ | 2,170
Agricultural and farmland |  |  | 13,959 |  |  | 13,966 |  |  | 105
Commercial real estate - owner occupied |  |  | 10,919 |  |  | 10,927 |  |  | 270
Commercial real estate - non-owner occupied |  |  | 3,396 |  |  | 3,398 |  |  | 70
Multi-family |  |  | 1,328 |  |  | 1,324 |  |  | —
Construction and land development |  |  | 3,783 |  |  | 3,782 |  |  | 567
One-to-four family residential |  |  | 11,387 |  |  | 11,349 |  |  | 822
Municipal, consumer, and other |  |  | 13,913 |  |  | 13,872 |  |  | 2,176
Total |  | $ | 69,415 |  | $ | 69,351 |  | $ | 6,180
The following table presents the average recorded investment and interest income recognized for loans individually evaluated for impairment by category of loans during the three and nine months ended September 30, 2020 and 2019:
|  | Three Months Ended September 30,
|  | 2020 |  | 2019
|  | Average |  | Interest |  | Average |  | Interest
|  | Recorded |  | Income |  | Recorded |  | Income
|  | Investment |  | Recognized |  | Investment |  | Recognized
With an allowance recorded: |  | (dollars in thousands)
Commercial and industrial |  | $ | 2,763 |  | $ | 41 |  | $ | 4,957 |  | $ | 26
Agricultural and farmland |  |  | 174 |  |  | 2 |  |  | 491 |  |  | 5
Commercial real estate - owner occupied |  |  | 1,281 |  |  | 18 |  |  | 1,970 |  |  | 11
Commercial real estate - non-owner occupied |  |  | 4,216 |  |  | 2 |  |  | 101 |  |  | 5
Multi-family |  |  | — |  |  | — |  |  | — |  |  | —
Construction and land development |  |  | 2,080 |  |  | 25 |  |  | 2,754 |  |  | 42
One-to-four family residential |  |  | 3,587 |  |  | 24 |  |  | 2,082 |  |  | 16
Municipal, consumer, and other |  |  | 8,823 |  |  | 42 |  |  | 9,254 |  |  | 99
Total |  | $ | 22,924 |  | $ | 154 |  | $ | 21,609 |  | $ | 204
With no related allowance: |  |  |  |  |  |  |  |  |  |  |  |
Commercial and industrial |  | $ | 2,894 |  | $ | 61 |  | $ | 5,480 |  | $ | —
Agricultural and farmland |  |  | 10,220 |  |  | 144 |  |  | 15,384 |  |  | 10
Commercial real estate - owner occupied |  |  | 11,766 |  |  | 150 |  |  | 10,555 |  |  | 28
Commercial real estate - non-owner occupied |  |  | 28,544 |  |  | 282 |  |  | 3,853 |  |  | 57
Multi-family |  |  | 889 |  |  | — |  |  | 1,339 |  |  | —
Construction and land development |  |  | 1,476 |  |  | 1 |  |  | 106 |  |  | 1
One-to-four family residential |  |  | 7,500 |  |  | 63 |  |  | 9,904 |  |  | 74
Municipal, consumer, and other |  |  | 4,763 |  |  | 21 |  |  | 4,832 |  |  | —
Total |  | $ | 68,052 |  | $ | 722 |  | $ | 51,453 |  | $ | 170
Total |  |  |  |  |  |  |  |  |  |  |  |
Commercial and industrial |  | $ | 5,657 |  | $ | 102 |  | $ | 10,437 |  | $ | 26
Agricultural and farmland |  |  | 10,394 |  |  | 146 |  |  | 15,875 |  |  | 15
Commercial real estate - owner occupied |  |  | 13,047 |  |  | 168 |  |  | 12,525 |  |  | 39
Commercial real estate - non-owner occupied |  |  | 32,760 |  |  | 284 |  |  | 3,954 |  |  | 62
Multi-family |  |  | 889 |  |  | — |  |  | 1,339 |  |  | —
Construction and land development |  |  | 3,556 |  |  | 26 |  |  | 2,860 |  |  | 43
One-to-four family residential |  |  | 11,087 |  |  | 87 |  |  | 11,986 |  |  | 90
Municipal, consumer, and other |  |  | 13,586 |  |  | 63 |  |  | 14,086 |  |  | 99
Total |  | $ | 90,976 |  | $ | 876 |  | $ | 73,062 |  | $ | 374
|  | Nine Months Ended September 30,
|  | 2020 |  | 2019
|  | Average |  | Interest |  | Average |  | Interest
|  | Recorded |  | Income |  | Recorded |  | Income
|  | Investment |  | Recognized |  | Investment |  | Recognized
With an allowance recorded: |  | (dollars in thousands)
Commercial and industrial |  | $ | 3,124 |  | $ | 129 |  | $ | 5,081 |  | $ | 115
Agricultural and farmland |  |  | 307 |  |  | 6 |  |  | 404 |  |  | 12
Commercial real estate - owner occupied |  |  | 1,141 |  |  | 56 |  |  | 1,998 |  |  | 90
Commercial real estate - non-owner occupied |  |  | 1,504 |  |  | 7 |  |  | 102 |  |  | 5
Multi-family |  |  | — |  |  | — |  |  | — |  |  | —
Construction and land development |  |  | 2,571 |  |  | 91 |  |  | 2,842 |  |  | 131
One-to-four family residential |  |  | 3,240 |  |  | 84 |  |  | 2,091 |  |  | 65
Municipal, consumer, and other |  |  | 10,069 |  |  | 230 |  |  | 9,202 |  |  | 103
Total |  | $ | 21,956 |  | $ | 603 |  | $ | 21,720 |  | $ | 521
With no related allowance: |  |  |  |  |  |  |  |  |  |  |  |
Commercial and industrial |  | $ | 4,637 |  | $ | 213 |  | $ | 5,681 |  | $ | 150
Agricultural and farmland |  |  | 13,187 |  |  | 500 |  |  | 15,889 |  |  | 352
Commercial real estate - owner occupied |  |  | 11,367 |  |  | 401 |  |  | 10,640 |  |  | 360
Commercial real estate - non-owner occupied |  |  | 17,358 |  |  | 388 |  |  | 4,000 |  |  | 111
Multi-family |  |  | 299 |  |  | — |  |  | 1,349 |  |  | 9
Construction and land development |  |  | 637 |  |  | 3 |  |  | 107 |  |  | 3
One-to-four family residential |  |  | 8,167 |  |  | 266 |  |  | 10,107 |  |  | 194
Municipal, consumer, and other |  |  | 3,660 |  |  | 78 |  |  | 4,871 |  |  | 71
Total |  | $ | 59,312 |  | $ | 1,849 |  | $ | 52,644 |  | $ | 1,250
Total |  |  |  |  |  |  |  |  |  |  |  |
Commercial and industrial |  | $ | 7,761 |  | $ | 342 |  | $ | 10,762 |  | $ | 265
Agricultural and farmland |  |  | 13,494 |  |  | 506 |  |  | 16,293 |  |  | 364
Commercial real estate - owner occupied |  |  | 12,508 |  |  | 457 |  |  | 12,638 |  |  | 450
Commercial real estate - non-owner occupied |  |  | 18,862 |  |  | 395 |  |  | 4,102 |  |  | 116
Multi-family |  |  | 299 |  |  | — |  |  | 1,349 |  |  | 9
Construction and land development |  |  | 3,208 |  |  | 94 |  |  | 2,949 |  |  | 134
One-to-four family residential |  |  | 11,407 |  |  | 350 |  |  | 12,198 |  |  | 259
Municipal, consumer, and other |  |  | 13,729 |  |  | 308 |  |  | 14,073 |  |  | 174
Total |  | $ | 81,268 |  | $ | 2,452 |  | $ | 74,364 |  | $ | 1,771
Schedule of recorded investment on past due basis |
|  | Accruing Interest |  |  |  |  |  |
|  |  |  |  | 30 - 89 Days |  | 90+ Days |  |  |  |  | Total
September 30, 2020 |  | Current |  | Past Due |  | Past Due |  | Nonaccrual |  | Loans
|  | (dollars in thousands)
Commercial and industrial |  | $ | 388,158 |  | $ | 154 |  | $ | — |  | $ | 919 |  | $ | 389,231
Agricultural and farmland |  |  | 231,349 |  |  | — |  |  | — |  |  | 4,248 |  |  | 235,597
Commercial real estate - owner occupied |  |  | 224,451 |  |  | 139 |  |  | — |  |  | 755 |  |  | 225,345
Commercial real estate - non-owner occupied |  |  | 528,145 |  |  | — |  |  | — |  |  | 4,309 |  |  | 532,454
Multi-family |  |  | 198,552 |  |  | 889 |  |  | — |  |  | — |  |  | 199,441
Construction and land development |  |  | 263,803 |  |  | 1,410 |  |  | — |  |  | 545 |  |  | 265,758
One-to-four family residential |  |  | 303,014 |  |  | 1,030 |  |  | 40 |  |  | 4,281 |  |  | 308,365
Municipal, consumer, and other |  |  | 123,081 |  |  | 226 |  |  | 7 |  |  | 134 |  |  | 123,448
Total |  | $ | 2,260,553 |  | $ | 3,848 |  | $ | 47 |  | $ | 15,191 |  | $ | 2,279,639
|  | Accruing Interest |  |  |  |  |  |
|  |  |  |  | 30 - 89 Days |  | 90+ Days |  |  |  |  | Total
December 31, 2019 |  | Current |  | Past Due |  | Past Due |  | Nonaccrual |  | Loans
|  | (dollars in thousands)
Commercial and industrial |  | $ | 301,975 |  | $ | 558 |  | $ | — |  | $ | 4,642 |  | $ | 307,175
Agricultural and farmland |  |  | 201,519 |  |  | — |  |  | — |  |  | 6,257 |  |  | 207,776
Commercial real estate - owner occupied |  |  | 228,218 |  |  | 941 |  |  | — |  |  | 2,003 |  |  | 231,162
Commercial real estate - non-owner occupied |  |  | 579,626 |  |  | 131 |  |  | — |  |  | — |  |  | 579,757
Multi-family |  |  | 177,696 |  |  | — |  |  | — |  |  | 1,377 |  |  | 179,073
Construction and land development |  |  | 224,716 |  |  | 140 |  |  | — |  |  | 31 |  |  | 224,887
One-to-four family residential |  |  | 307,712 |  |  | 1,329 |  |  | 75 |  |  | 4,464 |  |  | 313,580
Municipal, consumer, and other |  |  | 119,898 |  |  | 247 |  |  | 26 |  |  | 245 |  |  | 120,416
Total |  | $ | 2,141,360 |  | $ | 3,346 |  | $ | 101 |  | $ | 19,019 |  | $ | 2,163,826
Schedule of loans by category risk ratings |
September 30, 2020 |  | Pass |  | Pass-Watch |  | Substandard |  | Doubtful |  | Total
|  | (dollars in thousands)
Commercial and industrial |  | $ | 365,872 |  | $ | 16,828 |  | $ | 6,531 |  | $ | — |  | $ | 389,231
Agricultural and farmland |  |  | 200,879 |  |  | 19,415 |  |  | 15,303 |  |  | — |  |  | 235,597
Commercial real estate - owner occupied |  |  | 183,836 |  |  | 27,901 |  |  | 13,608 |  |  | — |  |  | 225,345
Commercial real estate - non-owner occupied |  |  | 452,942 |  |  | 43,941 |  |  | 35,571 |  |  | — |  |  | 532,454
Multi-family |  |  | 170,134 |  |  | 28,418 |  |  | 889 |  |  | — |  |  | 199,441
Construction and land development |  |  | 228,126 |  |  | 33,600 |  |  | 4,032 |  |  | — |  |  | 265,758
One-to-four family residential |  |  | 284,072 |  |  | 11,285 |  |  | 13,008 |  |  | — |  |  | 308,365
Municipal, consumer, and other |  |  | 109,542 |  |  | 425 |  |  | 13,481 |  |  | — |  |  | 123,448
Total |  | $ | 1,995,403 |  | $ | 181,813 |  | $ | 102,423 |  | $ | — |  | $ | 2,279,639
December 31, 2019 |  | Pass |  | Pass-Watch |  | Substandard |  | Doubtful |  | Total
|  | (dollars in thousands)
Commercial and industrial |  | $ | 267,645 |  | $ | 27,114 |  | $ | 12,416 |  | $ | — |  | $ | 307,175
Agricultural and farmland |  |  | 180,735 |  |  | 12,267 |  |  | 14,774 |  |  | — |  |  | 207,776
Commercial real estate - owner occupied |  |  | 198,710 |  |  | 21,745 |  |  | 10,707 |  |  | — |  |  | 231,162
Commercial real estate - non-owner occupied |  |  | 531,694 |  |  | 46,092 |  |  | 1,971 |  |  | — |  |  | 579,757
Multi-family |  |  | 175,807 |  |  | 1,771 |  |  | 1,495 |  |  | — |  |  | 179,073
Construction and land development |  |  | 217,120 |  |  | 3,582 |  |  | 4,185 |  |  | — |  |  | 224,887
One-to-four family residential |  |  | 287,036 |  |  | 13,546 |  |  | 12,998 |  |  | — |  |  | 313,580
Municipal, consumer, and other |  |  | 106,063 |  |  | 479 |  |  | 13,874 |  |  | — |  |  | 120,416
Total |  | $ | 1,964,810 |  | $ | 126,596 |  | $ | 72,420 |  | $ | — |  | $ | 2,163,826
Schedule of financial effect of troubled debt restructurings |
|  |  |  |  |  |  |  |  |  | Charge-offs
|  |  |  | Recorded Investment |  | and Specific
Three Months Ended September 30, 2020 |  | Number |  | Pre-Modification |  | Post-Modification |  | Reserves
|  | (dollars in thousands)
Commercial real estate - owner occupied |  | 1 |  | $ | 853 |  | $ | 853 |  | $ | —
Total |  | 1 |  | $ | 853 |  | $ | 853 |  | $ | —
|  |  |  |  |  |  |  |  |  | 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 |  | $ | —
Total |  | 1 |  | $ | 21 |  | $ | 21 |  | $ | —
|  |  |  |  |  |  |  |  |  | Charge-offs
|  |  |  | Recorded Investment |  | and Specific
Nine Months Ended September 30, 2020 |  | Number |  | Pre-Modification |  | Post-Modification |  | Reserves
|  | (dollars in thousands)
Commercial real estate - owner occupied |  | 1 |  | $ | 853 |  | $ | 853 |  | $ | —
Total |  | 1 |  | $ | 853 |  | $ | 853 |  | $ | —
|  |  |  |  |  |  |  |  |  | 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 |  | $ | —
Schedule of changes in the accretable yield for loans acquired with deteriorated credit quality |
|  | Three Months Ended September 30, |  | Nine Months Ended September 30,
|  | 2020 |  | 2019 |  | 2020 |  | 2019
|  | (dollars in thousands)
Beginning balance |  | $ | 1,378 |  | $ | 1,633 |  | $ | 1,662 |  | $ | 2,101
Reclassification from non-accretable difference |  |  | 116 |  |  | 129 |  |  | 162 |  |  | 536
Accretion income |  |  | (111) |  |  | (231) |  |  | (441) |  |  | (1,106)
Ending balance |  | $ | 1,383 |  | $ | 1,531 |  | $ | 1,383 |  | $ | 1,531

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