XML 52 R37.htm IDEA: XBRL DOCUMENT
v3.20.4

LOANS AND THE ALLOWANCE FOR LOAN LOSSES (Tables) | 12 Months Ended
--- | ---
Dec. 31, 2020
LOANS AND THE ALLOWANCE FOR LOAN LOSSES |
Summary of Loans |
|  | December 31, |  | December 31,
|  | 2020 |  | 2019
|  | (dollars in thousands)
Commercial and industrial |  | $ | 393,312 |  | $ | 307,175
Agricultural and farmland |  |  | 222,723 |  |  | 207,776
Commercial real estate - owner occupied |  |  | 222,360 |  |  | 231,162
Commercial real estate - non-owner occupied |  |  | 520,395 |  |  | 579,757
Multi-family |  |  | 236,391 |  |  | 179,073
Construction and land development |  |  | 225,652 |  |  | 224,887
One-to-four family residential |  |  | 306,775 |  |  | 313,580
Municipal, consumer, and other |  |  | 119,398 |  |  | 120,416
Loans, before allowance for loan losses |  |  | 2,247,006 |  |  | 2,163,826
Allowance for loan losses |  |  | (31,838) |  |  | (22,299)
Loans, net of allowance for loan losses |  | $ | 2,215,168 |  | $ | 2,141,527
Paycheck Protection Program (PPP) loans (included above) |  |  |  |  |  |
Commercial and industrial |  | $ | 153,860 |  | $ | —
Agricultural and farmland |  |  | 3,049 |  |  | —
Municipal, consumer, and other |  |  | 6,587 |  |  | —
Total PPP loans |  | $ | 163,496 |  | $ | —
Schedule of activity in allowance for loan losses | The following tables detail activity in the allowance for loan losses for the years ended December 31:
|  |  |  |  |  |  |  | Commercial |  | Commercial |  |  |  |  |  |  |  |  |  |  | Municipal, |  |  |
|  | Commercial |  | Agricultural |  | Real Estate |  | Real Estate |  |  |  |  | Construction |  | One-to-four |  | Consumer, |  |  |
|  | and |  | and |  | Owner |  | Non-owner |  |  |  |  | and Land |  | Family |  | and |  |  |
|  | Industrial |  | Farmland |  | Occupied |  | Occupied |  | Multi-Family |  | Development |  | Residential |  | 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 |  |  | (532) |  |  | 265 |  |  | 3,294 |  |  | 264 |  |  | 109 |  |  | 993 |  |  | 984 |  |  | 320 |  |  | 5,697
Charge-offs |  |  | (1,446) |  |  | — |  |  | (2,352) |  |  | (237) |  |  | (194) |  |  | (58) |  |  | (1,415) |  |  | (783) |  |  | (6,485)
Recoveries |  |  | 315 |  |  | — |  |  | 54 |  |  | 141 |  |  | — |  |  | 260 |  |  | 490 |  |  | 272 |  |  | 1,532
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 |  |  | 1,139 |  |  | 146 |  |  | (376) |  |  | 1,110 |  |  | 153 |  |  | (1,640) |  |  | 513 |  |  | 2,359 |  |  | 3,404
Charge-offs |  |  | (886) |  |  | (30) |  |  | (407) |  |  | (111) |  |  | (41) |  |  | (9) |  |  | (1,105) |  |  | (684) |  |  | (3,273)
Recoveries |  |  | 440 |  |  | — |  |  | 56 |  |  | 20 |  |  | — |  |  | 450 |  |  | 350 |  |  | 343 |  |  | 1,659
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 |  |  | 677 |  |  | (1,946) |  |  | 961 |  |  | 7,862 |  |  | 933 |  |  | 1,032 |  |  | (894) |  |  | 1,907 |  |  | 10,532
Charge-offs |  |  | (1,784) |  |  | (27) |  |  | (39) |  |  | (349) |  |  | — |  |  | (27) |  |  | (155) |  |  | (587) |  |  | (2,968)
Recoveries |  |  | 595 |  |  | — |  |  | 440 |  |  | 75 |  |  | — |  |  | 250 |  |  | 310 |  |  | 305 |  |  | 1,975
Balance, December 31, 2020 |  | $ | 3,929 |  | $ | 793 |  | $ | 3,141 |  | $ | 11,251 |  | $ | 1,957 |  | $ | 4,232 |  | $ | 1,801 |  | $ | 4,734 |  | $ | 31,838
The following tables present the recorded investments in loans and the allowance for loan losses by category as of December 31:
|  |  |  |  |  |  |  | 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, 2020 |  | Industrial |  | Farmland |  | Occupied |  | Occupied |  | Multi-Family |  | Development |  | Residential |  | Other |  | Total
Loan balances: |  | (dollars in thousands)
Collectively evaluated for impairment |  | $ | 387,072 |  | $ | 217,077 |  | $ | 201,417 |  | $ | 480,165 |  | $ | 234,252 |  | $ | 219,822 |  | $ | 287,845 |  | $ | 105,796 |  | $ | 2,133,446
Individually evaluated for impairment |  |  | 5,312 |  |  | 4,793 |  |  | 13,132 |  |  | 25,993 |  |  | 876 |  |  | 3,809 |  |  | 10,343 |  |  | 13,546 |  |  | 77,804
Acquired with deteriorated credit quality |  |  | 928 |  |  | 853 |  |  | 7,811 |  |  | 14,237 |  |  | 1,263 |  |  | 2,021 |  |  | 8,587 |  |  | 56 |  |  | 35,756
Total |  | $ | 393,312 |  | $ | 222,723 |  | $ | 222,360 |  | $ | 520,395 |  | $ | 236,391 |  | $ | 225,652 |  | $ | 306,775 |  | $ | 119,398 |  | $ | 2,247,006
Allowance for loan losses: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Collectively evaluated for impairment |  | $ | 2,736 |  | $ | 771 |  | $ | 2,306 |  | $ | 6,736 |  | $ | 1,950 |  | $ | 3,984 |  | $ | 1,237 |  | $ | 1,432 |  | $ | 21,152
Individually evaluated for impairment |  |  | 1,193 |  |  | 22 |  |  | 429 |  |  | 4,255 |  |  | — |  |  | 222 |  |  | 560 |  |  | 3,301 |  |  | 9,982
Acquired with deteriorated credit quality |  |  | — |  |  | — |  |  | 406 |  |  | 260 |  |  | 7 |  |  | 26 |  |  | 4 |  |  | 1 |  |  | 704
Total |  | $ | 3,929 |  | $ | 793 |  | $ | 3,141 |  | $ | 11,251 |  | $ | 1,957 |  | $ | 4,232 |  | $ | 1,801 |  | $ | 4,734 |  | $ | 31,838
|  |  |  |  |  |  |  | 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 |
|  | Unpaid |  |  |  |  |  |
|  | Principal |  | Recorded |  | Related
December 31, 2020 |  | Balance |  | Investment |  | Allowance
With an allowance recorded: |  | (dollars in thousands)
Commercial and industrial |  | $ | 2,737 |  | $ | 2,725 |  | $ | 1,193
Agricultural and farmland |  |  | 169 |  |  | 168 |  |  | 22
Commercial real estate - owner occupied |  |  | 3,072 |  |  | 3,040 |  |  | 429
Commercial real estate - non-owner occupied |  |  | 20,726 |  |  | 20,394 |  |  | 4,255
Multi-family |  |  | — |  |  | — |  |  | —
Construction and land development |  |  | 2,081 |  |  | 2,055 |  |  | 222
One-to-four family residential |  |  | 2,963 |  |  | 2,739 |  |  | 560
Municipal, consumer, and other |  |  | 12,207 |  |  | 12,181 |  |  | 3,301
Total |  | $ | 43,955 |  | $ | 43,302 |  | $ | 9,982
With no related allowance: |  |  |  |  |  |  |  |  |
Commercial and industrial |  | $ | 3,322 |  | $ | 2,587 |  | $ | —
Agricultural and farmland |  |  | 4,625 |  |  | 4,625 |  |  | —
Commercial real estate - owner occupied |  |  | 10,164 |  |  | 10,092 |  |  | —
Commercial real estate - non-owner occupied |  |  | 5,727 |  |  | 5,599 |  |  | —
Multi-family |  |  | 876 |  |  | 876 |  |  | —
Construction and land development |  |  | 1,762 |  |  | 1,754 |  |  | —
One-to-four family residential |  |  | 9,325 |  |  | 7,604 |  |  | —
Municipal, consumer, and other |  |  | 1,431 |  |  | 1,365 |  |  | —
Total |  | $ | 37,232 |  | $ | 34,502 |  | $ | —
Total |  |  |  |  |  |  |  |  |
Commercial and industrial |  | $ | 6,059 |  | $ | 5,312 |  | $ | 1,193
Agricultural and farmland |  |  | 4,794 |  |  | 4,793 |  |  | 22
Commercial real estate - owner occupied |  |  | 13,236 |  |  | 13,132 |  |  | 429
Commercial real estate - non-owner occupied |  |  | 26,453 |  |  | 25,993 |  |  | 4,255
Multi-family |  |  | 876 |  |  | 876 |  |  | —
Construction and land development |  |  | 3,843 |  |  | 3,809 |  |  | 222
One-to-four family residential |  |  | 12,288 |  |  | 10,343 |  |  | 560
Municipal, consumer, and other |  |  | 13,638 |  |  | 13,546 |  |  | 3,301
Total |  | $ | 81,187 |  | $ | 77,804 |  | $ | 9,982
|  | 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 years ended December 31:
|  | Year Ended December 31,
|  | 2020 |  | 2019 |  | 2018
|  | Average |  | Interest |  | Average |  | Interest |  | Average |  | Interest
|  | Recorded |  | Income |  | Recorded |  | Income |  | Recorded |  | Income
|  | Investment |  | Recognized |  | Investment |  | Recognized |  | Investment |  | Recognized
With an allowance recorded: |  | (dollars in thousands)
Commercial and industrial |  | $ | 3,031 |  | $ | 169 |  | $ | 5,275 |  | $ | 152 |  | $ | 4,274 |  | $ | 106
Agricultural and farmland |  |  | 273 |  |  | 9 |  |  | 464 |  |  | 12 |  |  | 566 |  |  | 16
Commercial real estate - owner occupied |  |  | 1,622 |  |  | 98 |  |  | 874 |  |  | 43 |  |  | 3,574 |  |  | 67
Commercial real estate - non-owner occupied |  |  | 6,345 |  |  | 220 |  |  | 101 |  |  | 7 |  |  | 640 |  |  | 7
Multi-family |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 1,472 |  |  | 66
Construction and land development |  |  | 2,441 |  |  | 116 |  |  | 3,988 |  |  | 171 |  |  | 2,593 |  |  | 161
One-to-four family residential |  |  | 3,120 |  |  | 110 |  |  | 3,414 |  |  | 79 |  |  | 3,377 |  |  | 82
Municipal, consumer, and other |  |  | 10,617 |  |  | 286 |  |  | 9,284 |  |  | 396 |  |  | 302 |  |  | 5
Total |  | $ | 27,449 |  | $ | 1,008 |  | $ | 23,400 |  | $ | 860 |  | $ | 16,798 |  | $ | 510
With no related allowance: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial and industrial |  | $ | 4,004 |  | $ | 251 |  | $ | 6,744 |  | $ | 206 |  | $ | 5,093 |  | $ | 59
Agricultural and farmland |  |  | 11,061 |  |  | 561 |  |  | 14,826 |  |  | 824 |  |  | 8,815 |  |  | 526
Commercial real estate - owner occupied |  |  | 11,056 |  |  | 528 |  |  | 10,190 |  |  | 483 |  |  | 12,217 |  |  | 384
Commercial real estate - non-owner occupied |  |  | 14,412 |  |  | 458 |  |  | 3,465 |  |  | 131 |  |  | 7,110 |  |  | 147
Multi-family |  |  | 447 |  |  | 10 |  |  | 1,344 |  |  | 9 |  |  | 355 |  |  | 17
Construction and land development |  |  | 892 |  |  | 23 |  |  | 107 |  |  | 4 |  |  | 528 |  |  | 3
One-to-four family residential |  |  | 8,022 |  |  | 316 |  |  | 8,360 |  |  | 240 |  |  | 10,706 |  |  | 168
Municipal, consumer, and other |  |  | 3,089 |  |  | 115 |  |  | 4,874 |  |  | 104 |  |  | 297 |  |  | 5
Total |  | $ | 52,983 |  | $ | 2,262 |  | $ | 49,910 |  | $ | 2,001 |  | $ | 45,121 |  | $ | 1,309
Total |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial and industrial |  | $ | 7,035 |  | $ | 420 |  | $ | 12,019 |  | $ | 358 |  | $ | 9,367 |  | $ | 165
Agricultural and farmland |  |  | 11,334 |  |  | 570 |  |  | 15,290 |  |  | 836 |  |  | 9,381 |  |  | 542
Commercial real estate - owner occupied |  |  | 12,678 |  |  | 626 |  |  | 11,064 |  |  | 526 |  |  | 15,791 |  |  | 451
Commercial real estate - non-owner occupied |  |  | 20,757 |  |  | 678 |  |  | 3,566 |  |  | 138 |  |  | 7,750 |  |  | 154
Multi-family |  |  | 447 |  |  | 10 |  |  | 1,344 |  |  | 9 |  |  | 1,827 |  |  | 83
Construction and land development |  |  | 3,333 |  |  | 139 |  |  | 4,095 |  |  | 175 |  |  | 3,121 |  |  | 164
One-to-four family residential |  |  | 11,142 |  |  | 426 |  |  | 11,774 |  |  | 319 |  |  | 14,083 |  |  | 250
Municipal, consumer, and other |  |  | 13,706 |  |  | 401 |  |  | 14,158 |  |  | 500 |  |  | 599 |  |  | 10
Total |  | $ | 80,432 |  | $ | 3,270 |  | $ | 73,310 |  | $ | 2,861 |  | $ | 61,919 |  | $ | 1,819
Schedule of recorded investment on past due basis |
|  | Accruing Interest |  |  |  |  |  |
|  |  |  |  | 30 - 89 Days |  | 90+ Days |  |  |  |  | Total
December 31, 2020 |  | Current |  | Past Due |  | Past Due |  | Nonaccrual |  | Loans
|  | (dollars in thousands)
Commercial and industrial |  | $ | 392,490 |  | $ | — |  | $ | — |  | $ | 822 |  | $ | 393,312
Agricultural and farmland |  |  | 222,723 |  |  | — |  |  | — |  |  | — |  |  | 222,723
Commercial real estate - owner occupied |  |  | 221,308 |  |  | 112 |  |  | — |  |  | 940 |  |  | 222,360
Commercial real estate - non-owner occupied |  |  | 516,387 |  |  | — |  |  | — |  |  | 4,008 |  |  | 520,395
Multi-family |  |  | 236,391 |  |  | — |  |  | — |  |  | — |  |  | 236,391
Construction and land development |  |  | 225,508 |  |  | — |  |  | — |  |  | 144 |  |  | 225,652
One-to-four family residential |  |  | 301,282 |  |  | 984 |  |  | 595 |  |  | 3,914 |  |  | 306,775
Municipal, consumer, and other |  |  | 119,055 |  |  | 211 |  |  | 21 |  |  | 111 |  |  | 119,398
Total |  | $ | 2,235,144 |  | $ | 1,307 |  | $ | 616 |  | $ | 9,939 |  | $ | 2,247,006
|  | 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 |
December 31, 2020 |  | Pass |  | Pass-Watch |  | Substandard |  | Doubtful |  | Total
|  | (dollars in thousands)
Commercial and industrial |  | $ | 368,843 |  | $ | 18,258 |  | $ | 6,211 |  | $ | — |  | $ | 393,312
Agricultural and farmland |  |  | 191,662 |  |  | 25,540 |  |  | 5,521 |  |  | — |  |  | 222,723
Commercial real estate - owner occupied |  |  | 176,823 |  |  | 31,990 |  |  | 13,547 |  |  | — |  |  | 222,360
Commercial real estate - non-owner occupied |  |  | 432,752 |  |  | 58,699 |  |  | 28,944 |  |  | — |  |  | 520,395
Multi-family |  |  | 204,449 |  |  | 31,066 |  |  | 876 |  |  | — |  |  | 236,391
Construction and land development |  |  | 193,646 |  |  | 28,193 |  |  | 3,813 |  |  | — |  |  | 225,652
One-to-four family residential |  |  | 280,198 |  |  | 14,526 |  |  | 12,051 |  |  | — |  |  | 306,775
Municipal, consumer, and other |  |  | 105,539 |  |  | 312 |  |  | 13,547 |  |  | — |  |  | 119,398
Total |  | $ | 1,953,912 |  | $ | 208,584 |  | $ | 84,510 |  | $ | — |  | $ | 2,247,006
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 | The following tables present the financial effect of troubled debt restructurings for the years ended December 31:
|  |  |  |  |  |  |  |  |  | Charge-offs
|  |  |  | Recorded Investment |  | and Specific
Year Ended December 31, 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
Year Ended December 31, 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
Year Ended December 31, 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
|  | December 31, |  | December 31, |  | December 31,
|  | 2020 |  | 2019 |  | 2018
|  | (dollars in thousands)
Commercial and industrial |  | $ | — |  | $ | — |  | $ | 47
Agricultural and farmland |  |  | — |  |  | 98 |  |  | 166
Commercial real estate - owner occupied |  |  | — |  |  | — |  |  | 172
One-to-four family residential |  |  | — |  |  | — |  |  | 542
Total |  | $ | — |  | $ | 98 |  | $ | 927
Schedule of changes in the accretable yield for loans acquired with deteriorated credit quality |
|  | Year Ended December 31,
|  | 2020 |  | 2019 |  | 2018
|  | (dollars in thousands)
Beginning balance |  | $ | 1,662 |  | $ | 2,101 |  | $ | 2,723
Reclassification from non-accretable difference |  |  | 288 |  |  | 822 |  |  | 2,092
Accretion income |  |  | (553) |  |  | (1,261) |  |  | (2,714)
Ending balance |  | $ | 1,397 |  | $ | 1,662 |  | $ | 2,101

X
- Definition The tabular disclosure of changes in the accretable yield for loans acquired with deteriorated credit quality. + References No definition available. + Details
Name: | hbt_AccretableYieldForLoansAcquiredTableTextBlock
Namespace Prefix: | hbt_
Data Type: | nonnum:textBlockItemType
Balance Type: | na
Period Type: | duration

X
- Definition Tabular disclosure of allowance for credit loss on financing receivable. + References Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef -Publisher FASB -Name Accounting Standards Codification -Topic 310 -SubTopic 10 -Section 50 -Paragraph 11B -URI http://asc.fasb.org/extlink&oid=121611835&loc=SL6953423-111524 Reference 2: http://www.xbrl.org/2009/role/commonPracticeRef -Publisher FASB -Name Accounting Standards Codification -Topic 326 -SubTopic 20 -Section 50 -Paragraph 13 -URI http://asc.fasb.org/extlink&oid=121599337&loc=SL82919249-210447 + Details
Name: | us-gaap_AllowanceForCreditLossesOnFinancingReceivablesTableTextBlock
Namespace Prefix: | us-gaap_
Data Type: | nonnum:textBlockItemType
Balance Type: | na
Period Type: | duration

X
- Definition Tabular disclosure of financing receivables by credit quality indicator. The credit quality indicator is a statistic about the credit quality of financing receivables. Examples include, but not limited to, consumer credit risk scores, credit-rating-agency ratings, an entity's internal credit risk grades, loan-to-value ratios, collateral, collection experience and other internal metrics. + References Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef -Publisher FASB -Name Accounting Standards Codification -Topic 326 -SubTopic 20 -Section 50 -Paragraph 5 -URI http://asc.fasb.org/extlink&oid=121599337&loc=SL82919230-210447 Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef -Publisher FASB -Name Accounting Standards Codification -Topic 310 -SubTopic 10 -Section 50 -Paragraph 29 -URI http://asc.fasb.org/extlink&oid=121611835&loc=SL6953659-111524 + Details
Name: | us-gaap_FinancingReceivableCreditQualityIndicatorsTableTextBlock
Namespace Prefix: | us-gaap_
Data Type: | nonnum:textBlockItemType
Balance Type: | na
Period Type: | duration

X
- Definition Tabular disclosure of impaired financing receivables. + References Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef -Publisher FASB -Name Accounting Standards Codification -Topic 310 -SubTopic 10 -Section 50 -Paragraph 15 -URI http://asc.fasb.org/extlink&oid=121611835&loc=d3e5212-111524 + Details
Name: | us-gaap_ImpairedFinancingReceivablesTableTextBlock
Namespace Prefix: | us-gaap_
Data Type: | nonnum:textBlockItemType
Balance Type: | na
Period Type: | duration

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

X
- Definition Tabular disclosure of aging analysis for financing receivable. + References Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef -Publisher FASB -Name Accounting Standards Codification -Topic 326 -SubTopic 20 -Section 50 -Paragraph 14 -URI http://asc.fasb.org/extlink&oid=121599337&loc=SL82919253-210447 Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef -Publisher FASB -Name Accounting Standards Codification -Topic 310 -SubTopic 10 -Section 50 -Paragraph 7A -URI http://asc.fasb.org/extlink&oid=121611835&loc=SL6953401-111524 Reference 3: http://www.xbrl.org/2003/role/exampleRef -Publisher FASB -Name Accounting Standards Codification -Topic 326 -SubTopic 20 -Section 55 -Paragraph 80 -URI http://asc.fasb.org/extlink&oid=121647567&loc=SL82922355-210448 Reference 4: http://fasb.org/us-gaap/role/ref/legacyRef -Publisher FASB -Name Accounting Standards Codification -Topic 310 -SubTopic 10 -Section 50 -Paragraph 7 -URI http://asc.fasb.org/extlink&oid=121611835&loc=d3e5111-111524 + Details
Name: | us-gaap_PastDueFinancingReceivablesTableTextBlock
Namespace Prefix: | us-gaap_
Data Type: | nonnum:textBlockItemType
Balance Type: | na
Period Type: | duration

X
- Definition Tabular disclosure of the various types of trade accounts and notes receivable and for each the gross carrying value, allowance, and net carrying value as of the balance sheet date. Presentation is categorized by current, noncurrent and unclassified receivables. + References Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef -Publisher FASB -Name Accounting Standards Codification -Topic 210 -SubTopic 10 -Section S99 -Paragraph 1 -Subparagraph (SX 210.5-02.3,4) -URI http://asc.fasb.org/extlink&oid=120391452&loc=d3e13212-122682 + Details
Name: | us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTextBlock
Namespace Prefix: | us-gaap_
Data Type: | nonnum:textBlockItemType
Balance Type: | na
Period Type: | duration

X
- Definition Tabular disclosure of financing receivable modified as troubled debt restructuring. + References Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef -Publisher FASB -Name Accounting Standards Codification -Topic 310 -SubTopic 10 -Section 50 -Paragraph 33 -URI http://asc.fasb.org/extlink&oid=121611835&loc=SL6953676-111524 Reference 2: http://www.xbrl.org/2009/role/commonPracticeRef -Publisher FASB -Name Accounting Standards Codification -Topic 310 -SubTopic 10 -Section 50 -Paragraph 34 -URI http://asc.fasb.org/extlink&oid=121611835&loc=SL6953682-111524 + Details
Name: | us-gaap_TroubledDebtRestructuringsOnFinancingReceivablesTableTextBlock
Namespace Prefix: | us-gaap_
Data Type: | nonnum:textBlockItemType
Balance Type: | na
Period Type: | duration