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Loans (Tables) | 3 Months Ended
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Mar. 31, 2021
Receivables [Abstract] |
Schedule of Net Loans | Total net loans at March 31, 2021 and December 31, 2020 are summarized as follows:
| March 31, 2021 |  | Percentage of Total |  | December 31, 2020 |  | Percentage of Total
Farmland | $ | 24,066 |  |  | 0.7 | % |  | $ | 23,316 |  |  | 0.7 | %
Owner-occupied, nonfarm nonresidential properties | 408,355 |  |  | 12.0 | % |  | 407,924 |  |  | 12.1 | %
Agricultural production and other loans to farmers | 3,519 |  |  | 0.1 | % |  | 2,664 |  |  | 0.1 | %
Commercial and Industrial | 690,927 |  |  | 20.3 | % |  | 663,550 |  |  | 19.7 | %
Obligations (other than securities and leases) of states and political subdivisions | 130,859 |  |  | 3.8 | % |  | 132,818 |  |  | 3.9 | %
Other loans | 11,413 |  |  | 0.3 | % |  | 11,961 |  |  | 0.4 | %
Other construction loans and all land development and other land loans | 221,012 |  |  | 6.5 | % |  | 205,734 |  |  | 6.1 | %
Multifamily (5 or more) residential properties | 235,702 |  |  | 6.9 | % |  | 212,815 |  |  | 6.3 | %
Non-owner occupied, nonfarm nonresidential properties | 622,765 |  |  | 18.3 | % |  | 640,945 |  |  | 19.0 | %
1-4 Family Construction | 23,667 |  |  | 0.7 | % |  | 27,768 |  |  | 0.8 | %
Home equity lines of credit | 105,754 |  |  | 3.1 | % |  | 109,444 |  |  | 3.2 | %
Residential Mortgages secured by first liens | 771,564 |  |  | 22.7 | % |  | 777,030 |  |  | 23.0 | %
Residential Mortgages secured by junior liens | 53,014 |  |  | 1.6 | % |  | 53,726 |  |  | 1.6 | %
Other revolving credit plans | 25,966 |  |  | 0.8 | % |  | 25,507 |  |  | 0.8 | %
Automobile | 24,171 |  |  | 0.7 | % |  | 25,344 |  |  | 0.8 | %
Other consumer | 40,120 |  |  | 1.2 | % |  | 42,792 |  |  | 1.3 | %
Credit cards | 7,875 |  |  | 0.2 | % |  | 8,115 |  |  | 0.2 | %
Overdrafts | 235 |  |  | 0.0 | % |  | 336 |  |  | 0.0 | %
Total loans | $ | 3,400,984 |  |  | 100.0 | % |  | $ | 3,371,789 |  |  | 100.0 | %
Less: Allowance for credit losses | (35,555) |  |  |  |  | (34,340) |  |  |
Loans, net | $ | 3,365,429 |  |  |  |  | $ | 3,337,449 |  |  |
Net deferred loan origination fees (costs) included in the above loan table | $ | 10,889 |  |  |  |  | $ | 8,789 |  |  |
Transactions in the allowance for credit losses for the three months ended March 31, 2021 were as follows:
| Beginning Allowance |  | (Charge-offs) |  | Recoveries |  | Provision (Benefit) for Credit Loss Expense |  | Ending Allowance
Farmland | $ | 221 |  |  | $ | 0 |  |  | $ | 0 |  |  | $ | 3 |  |  | $ | 224 |
Owner-occupied, nonfarm nonresidential properties | 3,700 |  |  | (531) |  |  | 2 |  |  | (236) |  |  | 2,935 |
Agricultural production and other loans to farmers | 24 |  |  | 0 |  |  | 0 |  |  | 4 |  |  | 28 |
Commercial and Industrial | 6,233 |  |  | (56) |  |  | 5 |  |  | 297 |  |  | 6,479 |
Obligations (other than securities and leases) of states and political subdivisions | 998 |  |  | 0 |  |  | 0 |  |  | 717 |  |  | 1,715 |
Other loans | 68 |  |  | 0 |  |  | 0 |  |  | 5 |  |  | 73 |
Other construction loans and all land development and other land loans | 1,956 |  |  | 0 |  |  | 0 |  |  | 50 |  |  | 2,006 |
Multifamily (5 or more) residential properties | 2,724 |  |  | 0 |  |  | 0 |  |  | 30 |  |  | 2,754 |
Non-owner occupied, nonfarm nonresidential properties | 8,658 |  |  | 0 |  |  | 0 |  |  | 2,668 |  |  | 11,326 |
1-4 Family Construction | 82 |  |  | 0 |  |  | 0 |  |  | (15) |  |  | 67 |
Home equity lines of credit | 985 |  |  | 0 |  |  | 0 |  |  | (142) |  |  | 843 |
Residential Mortgages secured by first liens | 4,539 |  |  | (28) |  |  | 31 |  |  | (992) |  |  | 3,550 |
Residential Mortgages secured by junior liens | 241 |  |  | 0 |  |  | 0 |  |  | (17) |  |  | 224 |
Other revolving credit plans | 507 |  |  | (6) |  |  | 2 |  |  | 24 |  |  | 527 |
Automobile | 132 |  |  | (5) |  |  | 0 |  |  | 55 |  |  | 182 |
Other consumer | 2,962 |  |  | (315) |  |  | 48 |  |  | (321) |  |  | 2,374 |
Credit cards | 66 |  |  | (33) |  |  | 8 |  |  | 24 |  |  | 65 |
Overdrafts | 244 |  |  | (84) |  |  | 55 |  |  | (32) |  |  | 183 |
Total loans | $ | 34,340 |  |  | $ | (1,058) |  |  | $ | 151 |  |  | $ | 2,122 |  |  | $ | 35,555 |
Allowance for Loan Losses | Transactions in the allowance for loan losses for the three months ended March 31, 2020 under the incurred loss methodology were as follows:
| Commercial, Industrial and Agricultural |  | Commercial Mortgages |  | Residential Real Estate |  | Consumer |  | Credit Cards |  | Overdrafts |  | Total
Allowance for loan losses, January 1, 2020 | $ | 8,287 |  |  | $ | 6,952 |  |  | $ | 1,499 |  |  | $ | 2,411 |  |  | $ | 84 |  |  | $ | 240 |  |  | $ | 19,473 |
Charge-offs | (25) |  |  | 0 |  |  | (143) |  |  | (592) |  |  | (31) |  |  | (119) |  |  | (910) |
Recoveries | 18 |  |  | 172 |  |  | 3 |  |  | 43 |  |  | 1 |  |  | 36 |  |  | 273 |
Provision (benefit) for loan losses | 2,252 |  |  | 368 |  |  | 99 |  |  | 276 |  |  | 58 |  |  | 26 |  |  | 3,079 |
Allowance for loan losses, March 31, 2020 | $ | 10,532 |  |  | $ | 7,492 |  |  | $ | 1,458 |  |  | $ | 2,138 |  |  | $ | 112 |  |  | $ | 183 |  |  | $ | 21,915 |
Impaired Financing Receivables with Related and not Related Allowances | The following table presents information for impaired loans for the three months ended March 31, 2020:
| Three months ended March 31, 2020 |  |
| Average Recorded Investment |  | Interest Income Recognized |  | Cash Basis Interest Recognized |  |  |  |  |  |
With an allowance recorded: |  |  |  |  |  |  |  |  |  |  |
Commercial, industrial and agricultural | $ | 4,272 |  |  | $ | 17 |  |  | $ | 17 |  |  |  |  |  |  |
Commercial mortgage | 4,331 |  |  | 37 |  |  | 37 |  |  |  |  |  |  |
Residential real estate | 463 |  |  | 5 |  |  | 5 |  |  |  |  |  |  |
With no related allowance recorded: |  |  |  |  |  |  |  |  |  |  |
Commercial, industrial and agricultural | 7,161 |  |  | 42 |  |  | 42 |  |  |  |  |  |  |
Commercial mortgage | 9,598 |  |  | 158 |  |  | 158 |  |  |  |  |  |  |
Residential real estate | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  |
Total | $ | 25,825 |  |  | $ | 259 |  |  | $ | 259 |  |  |  |  |  |  |
Nonaccrual Loans and Loans Past Due over 90 Days Still Accruing Interest by Class of Loans | The following tables presents the amortized cost basis of loans on nonaccrual status and loans past due over 89 days still accruing as of March 31, 2021 and December 31, 2020, respectively:
| March 31, 2021
| Nonaccrual |  | Nonaccrual With No Allowance for Credit Loss |  | Loans Past Due over 89 Days Still Accruing
Farmland | $ | 1,843 |  |  | $ | 50 |  |  | $ | 0 |
Owner-occupied, nonfarm nonresidential properties | 1,482 |  |  | 1,179 |  |  | 0 |
Commercial and Industrial | 6,477 |  |  | 587 |  |  | 884 |
Obligations (other than securities and leases) of states and political subdivisions | 706 |  |  | 0 |  |  | 0 |
Other construction loans and all land development and other land loans | 1,892 |  |  | 77 |  |  | 0 |
Multifamily (5 or more) residential properties | 994 |  |  | 0 |  |  | 0 |
Non-owner occupied, nonfarm nonresidential properties | 13,980 |  |  | 489 |  |  | 0 |
Home equity lines of credit | 754 |  |  | 754 |  |  | 0 |
Residential Mortgages secured by first liens | 3,283 |  |  | 3,283 |  |  | 76 |
Residential Mortgages secured by junior liens | 100 |  |  | 100 |  |  | 0 |
Other revolving credit plans | 17 |  |  | 17 |  |  | 0 |
Automobile | 7 |  |  | 7 |  |  | 0 |
Other consumer | 347 |  |  | 347 |  |  | 0 |
Credit cards | 0 |  |  | 0 |  |  | 27 |
Total loans | $ | 31,882 |  |  | $ | 6,890 |  |  | $ | 987 |
| December 31, 2020
| Nonaccrual |  | Nonaccrual With No Allowance for Credit Loss |  | Loans Past Due over 89 Days Still Accruing
Farmland | $ | 1,844 |  |  | $ | 51 |  |  | $ | 0 |
Owner-occupied, nonfarm nonresidential properties | 1,781 |  |  | 909 |  |  | 0 |
Commercial and Industrial | 6,657 |  |  | 464 |  |  | 0 |
Other construction loans and all land development and other land loans | 2,349 |  |  | 77 |  |  | 0 |
Multifamily (5 or more) residential properties | 288 |  |  | 0 |  |  | 0 |
Non-owner occupied, nonfarm nonresidential properties | 11,932 |  |  | 394 |  |  | 0 |
Home equity lines of credit | 685 |  |  | 685 |  |  | 0 |
Residential Mortgages secured by first liens | 4,175 |  |  | 3,495 |  |  | 283 |
Residential Mortgages secured by junior liens | 114 |  |  | 114 |  |  | 0 |
Other revolving credit plans | 6 |  |  | 6 |  |  | 0 |
Automobile | 32 |  |  | 32 |  |  | 0 |
Other consumer | 496 |  |  | 496 |  |  | 8 |
Credit cards | 0 |  |  | 0 |  |  | 34 |
Total loans | $ | 30,359 |  |  | $ | 6,723 |  |  | $ | 325 |
Aging of Recorded Investment in Past Due Loans | The following table presents the aging of the amortized cost basis in past-due loans as of December 31, 2020 by class of loans:
| 30 - 59 Days Past Due |  | 60 - 89 Days Past Due |  | Greater Than 89 Days Past Due |  | Total Past Due |  | Loans Not Past Due |  | Total
Farmland | $ | 195 |  |  | $ | 0 |  |  | $ | 1,211 |  |  | $ | 1,406 |  |  | $ | 21,910 |  |  | $ | 23,316 |
Owner-occupied, nonfarm nonresidential properties | 10 |  |  | 885 |  |  | 732 |  |  | 1,627 |  |  | 406,297 |  |  | 407,924 |
Agricultural production and other loans to farmers | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 2,664 |  |  | 2,664 |
Commercial and Industrial | 476 |  |  | 335 |  |  | 3,887 |  |  | 4,698 |  |  | 658,852 |  |  | 663,550 |
Obligations (other than securities and leases) of states and political subdivisions | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 132,818 |  |  | 132,818 |
Other loans | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 11,961 |  |  | 11,961 |
Other construction loans and all land development and other land loans | 0 |  |  | 0 |  |  | 1,917 |  |  | 1,917 |  |  | 203,817 |  |  | 205,734 |
Multifamily (5 or more) residential properties | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 212,815 |  |  | 212,815 |
Non-owner occupied, nonfarm nonresidential properties | 314 |  |  | 156 |  |  | 10,184 |  |  | 10,654 |  |  | 630,291 |  |  | 640,945 |
1-4 Family Construction | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 27,768 |  |  | 27,768 |
Home equity lines of credit | 166 |  |  | 235 |  |  | 486 |  |  | 887 |  |  | 108,557 |  |  | 109,444 |
Residential Mortgages secured by first liens | 2,834 |  |  | 629 |  |  | 1,911 |  |  | 5,374 |  |  | 771,656 |  |  | 777,030 |
Residential Mortgages secured by junior liens | 8 |  |  | 0 |  |  | 66 |  |  | 74 |  |  | 53,652 |  |  | 53,726 |
Other revolving credit plans | 36 |  |  | 19 |  |  | 0 |  |  | 55 |  |  | 25,452 |  |  | 25,507 |
Automobile | 73 |  |  | 0 |  |  | 9 |  |  | 82 |  |  | 25,262 |  |  | 25,344 |
Other consumer | 246 |  |  | 132 |  |  | 245 |  |  | 623 |  |  | 42,169 |  |  | 42,792 |
Credit cards | 72 |  |  | 39 |  |  | 34 |  |  | 145 |  |  | 7,970 |  |  | 8,115 |
Overdrafts | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 336 |  |  | 336 |
Total loans | $ | 4,430 |  |  | $ | 2,430 |  |  | $ | 20,682 |  |  | $ | 27,542 |  |  | $ | 3,344,247 |  |  | $ | 3,371,789 |
Restructured in Troubled Debt | The following table presents loans modified as TDRs during the three months ended March 31, 2021:
| Three Months Ended March 31, 2021
| Number of Loans |  | Pre-Modification Outstanding Recorded Investment |  | Post-Modification Outstanding Recorded Investment
Multifamily (5 or more) residential properties | 1 |  |  | $ | 717 |  |  | $ | 717 |
Non-owner occupied, nonfarm nonresidential properties | 1 |  |  | 1,604 |  |  | 1,604 |
Total loans | 2 |  |  | $ | 2,321 |  |  | $ | 2,321 |
There were no loans modified as troubled debt restructurings during the three months ended March 31, 2020.
Schedule of Loan Assigned Risk Rating within 12 Months of Balance Sheet Date | The following tables detail the amortized cost of loans, by year of origination (for term loans) and by risk grade within each portfolio segment as of March 31, 2021. The current period originations may include modifications, extensions and renewals.
| Term Loans Amortized Cost Basis by Origination Year |  |  |  |  |  |
| 2021 |  | 2020 |  | 2019 |  | 2018 |  | 2017 |  | Prior |  | Revolving Loans Amortized Cost Basis |  | Revolving Loans Converted to Term |  | Total
Farmland |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Risk rating |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | $ | 2,340 |  |  | $ | 1,609 |  |  | $ | 4,018 |  |  | $ | 3,686 |  |  | $ | 3,623 |  |  | $ | 5,112 |  |  | $ | 680 |  |  | $ | 0 |  |  | $ | 21,068 |
Special mention | 0 |  |  | 1,156 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 1,156 |
Substandard | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 49 |  |  | 1,793 |  |  | 0 |  |  | 0 |  |  | 1,842 |
Doubtful | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |
Total | $ | 2,340 |  |  | $ | 2,765 |  |  | $ | 4,018 |  |  | $ | 3,686 |  |  | $ | 3,672 |  |  | $ | 6,905 |  |  | $ | 680 |  |  | $ | 0 |  |  | $ | 24,066 |
Owner-occupied, nonfarm nonresidential properties |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Risk rating |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | $ | 21,542 |  |  | $ | 92,037 |  |  | $ | 97,475 |  |  | $ | 48,063 |  |  | $ | 54,569 |  |  | $ | 71,633 |  |  | $ | 8,211 |  |  | $ | 0 |  |  | $ | 393,530 |
Special mention | 0 |  |  | 0 |  |  | 863 |  |  | 65 |  |  | 146 |  |  | 1,595 |  |  | 77 |  |  | 0 |  |  | 2,746 |
Substandard | 0 |  |  | 996 |  |  | 2,401 |  |  | 2,006 |  |  | 384 |  |  | 6,035 |  |  | 257 |  |  | 0 |  |  | 12,079 |
Doubtful | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |
Total | $ | 21,542 |  |  | $ | 93,033 |  |  | $ | 100,739 |  |  | $ | 50,134 |  |  | $ | 55,099 |  |  | $ | 79,263 |  |  | $ | 8,545 |  |  | $ | 0 |  |  | $ | 408,355 |
Agricultural production and other loans to farmers |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Risk rating |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | $ | 785 |  |  | $ | 217 |  |  | $ | 142 |  |  | $ | 599 |  |  | $ | 0 |  |  | $ | 53 |  |  | $ | 1,723 |  |  | $ | 0 |  |  | $ | 3,519 |
Special mention | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |
Substandard | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |
Doubtful | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |
Total | $ | 785 |  |  | $ | 217 |  |  | $ | 142 |  |  | $ | 599 |  |  | $ | 0 |  |  | $ | 53 |  |  | $ | 1,723 |  |  | $ | 0 |  |  | $ | 3,519 |
Commercial and Industrial |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Risk rating |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | $ | 160,165 |  |  | $ | 209,202 |  |  | $ | 46,734 |  |  | $ | 35,707 |  |  | $ | 23,364 |  |  | $ | 28,812 |  |  | $ | 164,494 |  |  | $ | 0 |  |  | $ | 668,478 |
Special mention | 0 |  |  | 110 |  |  | 980 |  |  | 3,544 |  |  | 223 |  |  | 1,223 |  |  | 939 |  |  | 0 |  |  | 7,019 |
Substandard | 70 |  |  | 786 |  |  | 1,949 |  |  | 1,214 |  |  | 144 |  |  | 5,613 |  |  | 5,654 |  |  | 0 |  |  | 15,430 |
Doubtful | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |
Total | $ | 160,235 |  |  | $ | 210,098 |  |  | $ | 49,663 |  |  | $ | 40,465 |  |  | $ | 23,731 |  |  | $ | 35,648 |  |  | $ | 171,087 |  |  | $ | 0 |  |  | $ | 690,927 |
Obligations (other than securities and leases) of states and political subdivisions |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Risk rating |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | $ | 69 |  |  | $ | 10,596 |  |  | $ | 12,163 |  |  | $ | 34,411 |  |  | $ | 20,742 |  |  | $ | 43,512 |  |  | $ | 8,660 |  |  | $ | 0 |  |  | $ | 130,153 |
Special mention | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |
Substandard | 0 |  |  | 706 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 706 |
Doubtful | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |
Total | $ | 69 |  |  | $ | 11,302 |  |  | $ | 12,163 |  |  | $ | 34,411 |  |  | $ | 20,742 |  |  | $ | 43,512 |  |  | $ | 8,660 |  |  | $ | 0 |  |  | $ | 130,859 |
Other loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Risk rating |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | $ | 11 |  |  | $ | 7,855 |  |  | $ | 699 |  |  | $ | 366 |  |  | $ | 0 |  |  | $ | 0 |  |  | $ | 2,482 |  |  | $ | 0 |  |  | $ | 11,413 |
Special mention | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |
Substandard | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |
Doubtful | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |
Total | $ | 11 |  |  | $ | 7,855 |  |  | $ | 699 |  |  | $ | 366 |  |  | $ | 0 |  |  | $ | 0 |  |  | $ | 2,482 |  |  | $ | 0 |  |  | $ | 11,413 |
| Term Loans Amortized Cost Basis by Origination Year |  |  |  |  |  |
| 2021 |  | 2020 |  | 2019 |  | 2018 |  | 2017 |  | Prior |  | Revolving Loans Amortized Cost Basis |  | Revolving Loans Converted to Term |  | Total
Other construction loans and all land development and other land loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Risk rating |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | $ | 9,167 |  |  | $ | 127,040 |  |  | $ | 54,770 |  |  | $ | 18,002 |  |  | $ | 1,035 |  |  | $ | 1,648 |  |  | $ | 3,088 |  |  | $ | 0 |  |  | $ | 214,750 |
Special mention | 0 |  |  | 1,340 |  |  | 666 |  |  | 29 |  |  | 2,774 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 4,809 |
Substandard | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 1,376 |  |  | 77 |  |  | 0 |  |  | 1,453 |
Doubtful | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |
Total | $ | 9,167 |  |  | $ | 128,380 |  |  | $ | 55,436 |  |  | $ | 18,031 |  |  | $ | 3,809 |  |  | $ | 3,024 |  |  | $ | 3,165 |  |  | $ | 0 |  |  | $ | 221,012 |
Multifamily (5 or more) residential properties |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Risk rating |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | $ | 45,945 |  |  | $ | 70,202 |  |  | $ | 33,892 |  |  | $ | 14,010 |  |  | $ | 48,845 |  |  | $ | 19,039 |  |  | $ | 2,566 |  |  | $ | 0 |  |  | $ | 234,499 |
Special mention | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |
Substandard | 717 |  |  | 6 |  |  | 0 |  |  | 276 |  |  | 204 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 1,203 |
Doubtful | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |
Total | $ | 46,662 |  |  | $ | 70,208 |  |  | $ | 33,892 |  |  | $ | 14,286 |  |  | $ | 49,049 |  |  | $ | 19,039 |  |  | $ | 2,566 |  |  | $ | 0 |  |  | $ | 235,702 |
Non-owner occupied, nonfarm nonresidential properties |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Risk rating |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | $ | 15,475 |  |  | $ | 141,872 |  |  | $ | 124,898 |  |  | $ | 87,695 |  |  | $ | 50,563 |  |  | $ | 147,584 |  |  | $ | 9,371 |  |  | $ | 0 |  |  | $ | 577,458 |
Special mention | 3,727 |  |  | 91 |  |  | 754 |  |  | 1,201 |  |  | 3,660 |  |  | 1,668 |  |  | 450 |  |  | 0 |  |  | 11,551 |
Substandard | 1,604 |  |  | 0 |  |  | 12,294 |  |  | 326 |  |  | 7,552 |  |  | 11,382 |  |  | 598 |  |  | 0 |  |  | 33,756 |
Doubtful | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |
Total | $ | 20,806 |  |  | $ | 141,963 |  |  | $ | 137,946 |  |  | $ | 89,222 |  |  | $ | 61,775 |  |  | $ | 160,634 |  |  | $ | 10,419 |  |  | $ | 0 |  |  | $ | 622,765 |
Recorded Investment in Residential, Consumer and Credit Card Loans Based on Payment Activity |
| March 31, 2021 |  | December 31, 2020
| Consumer |  | Consumer
Credit card |  |  |
Payment performance |  |  |
Performing | $ | 7,848 |  |  | $ | 8,081 |
Nonperforming | 27 |  |  | 34 |
Total | $ | 7,875 |  |  | $ | 8,115 |
Purchased Credit Deteriorated Loans | The Corporation has purchased loans, for which there was, at acquisition, evidence of more than insignificant deterioration of credit quality since origination. The carrying amount of those loans is as follows:
| July 17, 2020
Purchase price of loans at acquisition | $ | 21,768 |
Allowance for credit losses at acquisition | 980 |
Non-credit discount / (premium) at acquisition | 1,063 |
Par value of acquired loans at acquisition | $ | 23,811 |
Summary of Holiday's Loan Portfolio | Holiday’s loan portfolio, included in consumer loans above, is summarized as follows at March 31, 2021 and December 31, 2020:
| March 31, 2021 |  | December 31, 2020
Gross consumer loans | $ | 25,999 |  |  | $ | 27,998 |
Less: unearned discounts | (4,753) |  |  | (5,181) |
Total consumer loans, net of unearned discounts | $ | 21,246 |  |  | $ | 22,817 |

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