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ALLOWANCE FOR LOAN LOSSES: (Tables) | 12 Months Ended
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Dec. 31, 2019
Allowance For Loan Losses Disclosure [Abstract] |
Schedule of allowances for loan losses by portfolio segment | The following table presents the activity of the allowance for loan losses by portfolio segment for the years ended December 31, 2019, 2018 and 2017.
Allowance for Loan Losses: |  |  |  | December 31, 2019 |  |
(Dollar amounts in thousands) |  | Commercial |  | Residential |  | Consumer |  | Unallocated |  | Total
Beginning balance |  | $ | 9,848 |  |  | $ | 1,313 |  |  | $ | 7,481 |  |  | $ | 1,794 |  |  | $ | 20,436 |
Provision for loan losses |  | 621 |  |  | (321 | ) |  | 4,802 |  |  | (402 | ) |  | 4,700 |
Loans charged -off |  | (2,616 | ) |  | (1,050 | ) |  | (7,007 | ) |  | — |  |  | (10,673 | )
Recoveries |  | 1,092 |  |  | 1,360 |  |  | 3,028 |  |  | — |  |  | 5,480 |
Ending Balance |  | $ | 8,945 |  |  | $ | 1,302 |  |  | $ | 8,304 |  |  | $ | 1,392 |  |  | $ | 19,943 |
Allowance for Loan Losses: |  |  |  | December 31, 2018 |  |
(Dollar amounts in thousands) |  | Commercial |  | Residential |  | Consumer |  | Unallocated |  | Total
Beginning balance |  | $ | 10,281 |  |  | $ | 1,455 |  |  | $ | 6,709 |  |  | $ | 1,464 |  |  | $ | 19,909 |
Provision for loan losses |  | 83 |  |  | 60 |  |  | 5,295 |  |  | 330 |  |  | 5,768 |
Loans charged -off |  | (1,122 | ) |  | (841 | ) |  | (6,868 | ) |  | — |  |  | (8,831 | )
Recoveries |  | 606 |  |  | 639 |  |  | 2,345 |  |  | — |  |  | 3,590 |
Ending Balance |  | $ | 9,848 |  |  | $ | 1,313 |  |  | $ | 7,481 |  |  | $ | 1,794 |  |  | $ | 20,436 |
Allowance for Loan Losses: |  |  |  | December 31, 2017 |  |
(Dollar amounts in thousands) |  | Commercial |  | Residential |  | Consumer |  | Unallocated |  | Total
Beginning balance |  | $ | 9,731 |  |  | $ | 1,553 |  |  | $ | 5,767 |  |  | $ | 1,722 |  |  | $ | 18,773 |
Provision for loan losses |  | 745 |  |  | (179 | ) |  | 4,987 |  |  | (258 | ) |  | 5,295 |
Loans charged -off |  | (1,572 | ) |  | (761 | ) |  | (6,429 | ) |  | — |  |  | (8,762 | )
Recoveries |  | 1,377 |  |  | 842 |  |  | 2,384 |  |  | — |  |  | 4,603 |
Ending Balance |  | $ | 10,281 |  |  | $ | 1,455 |  |  | $ | 6,709 |  |  | $ | 1,464 |  |  | $ | 19,909 |
Allocation of the allowance for loan losses by portfolio segment based on the impairment method | The following tables present the allocation of the allowance for loan losses and the recorded investment in loans by portfolio segment and based on impairment method at December 31, 2019 and 2018:
Allowance for Loan Losses: |  |  |  | December 31, 2019 |  |  |  |
(Dollar amounts in thousands) |  | Commercial |  | Residential |  | Consumer |  | Unallocated |  | Total
Individually evaluated for impairment |  | $ | 48 |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | 48 |
Collectively evaluated for impairment |  | 8,897 |  |  | 1,302 |  |  | 8,304 |  |  | 1,392 |  |  | 19,895 |
Acquired with deteriorated credit quality |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
BALANCE AT END OF YEAR |  | $ | 8,945 |  |  | $ | 1,302 |  |  | $ | 8,304 |  |  | $ | 1,392 |  |  | $ | 19,943 |
Loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
(Dollar amounts in thousands) |  | Commercial |  | Residential |  | Consumer |  |  |  | Total
Individually evaluated for impairment |  | $ | 3,161 |  |  | $ | 3,952 |  |  | $ | — |  |  |  |  |  | $ | 7,113 |
Collectively evaluated for impairment |  | 1,584,169 |  |  | 680,069 |  |  | 387,655 |  |  |  |  |  | 2,651,893 |
Acquired with deteriorated credit quality |  | 7,436 |  |  | — |  |  | — |  |  |  |  |  | 7,436 |
BALANCE AT END OF YEAR |  | $ | 1,594,766 |  |  | $ | 684,021 |  |  | $ | 387,655 |  |  |  |  |  | $ | 2,666,442 |
Allowance for Loan Losses: |  |  |  | December 31, 2018 |  |  |  |
(Dollar amounts in thousands) |  | Commercial |  | Residential |  | Consumer |  | Unallocated |  | Total
Individually evaluated for impairment |  | $ | 737 |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | 737 |
Collectively evaluated for impairment |  | 9,111 |  |  | 1,313 |  |  | 7,481 |  |  | 1,794 |  |  | 19,699 |
Acquired with deteriorated credit quality |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
BALANCE AT END OF YEAR |  | $ | 9,848 |  |  | $ | 1,313 |  |  | $ | 7,481 |  |  | $ | 1,794 |  |  | $ | 20,436 |
Loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
(Dollar amounts in thousands) |  | Commercial |  |  | Residential |  |  | Consumer |  |  |  |  |  | Total |
Individually evaluated for impairment |  | $ | 6,101 |  |  | $ | 4,415 |  |  | $ | — |  |  |  |  |  | $ | 10,516 |
Collectively evaluated for impairment |  | 1,166,227 |  |  | 440,497 |  |  | 342,473 |  |  |  |  |  | 1,949,197 |
Acquired with deteriorated credit quality |  | 1,495 |  |  | — |  |  | — |  |  |  |  |  | 1,495 |
BALANCE AT END OF YEAR |  | $ | 1,173,823 |  |  | $ | 444,912 |  |  | $ | 342,473 |  |  |  |  |  | $ | 1,961,208 |
Schedule of loans individually evaluated for impairment by class of loans | The following tables present loans individually evaluated for impairment by class of loan.
December 31, 2019 |  |  |  |  |  | Allowance |  |  |  |  |  | Cash Basis
|  | Unpaid |  |  |  | for Loan |  | Average |  | Interest |  | Interest
|  | Principal |  | Recorded |  | Losses |  | Recorded |  | Income |  | Income
|  | Balance |  | Investment |  | Allocated |  | Investment |  | Recognized |  | Recognized
With no related allowance recorded: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial & Industrial |  | $ | 1,519 |  |  | $ | 989 |  |  | $ | — |  |  | $ | 848 |  |  | $ | — |  |  | $ | — |
Farmland |  | 1,997 |  |  | 1,997 |  |  | — |  |  | 1,999 |  |  | — |  |  | — |
Non Farm, Non Residential |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Agriculture |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
All Other Commercial |  | 27 |  |  | 27 |  |  | — |  |  | 461 |  |  | — |  |  | — |
Residential |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
First Liens |  | 3,952 |  |  | 3,952 |  |  | — |  |  | 4,055 |  |  | — |  |  | — |
Home Equity |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Junior Liens |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Multifamily |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
All Other Residential |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Consumer |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Motor Vehicle |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
All Other Consumer |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
With an allowance recorded: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial & Industrial |  | 148 |  |  | 148 |  |  | 48 |  |  | 1,108 |  |  | — |  |  | — |
Farmland |  | — |  |  | — |  |  | — |  |  | 84 |  |  | — |  |  | — |
Non Farm, Non Residential |  | — |  |  | — |  |  | — |  |  | — |  |  |  |  |  | — |
Agriculture |  | — |  |  | — |  |  | — |  |  | 138 |  |  | — |  |  | — |
All Other Commercial |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Residential |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
First Liens |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Home Equity |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Junior Liens |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Multifamily |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
All Other Residential |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Consumer |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Motor Vehicle |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
All Other Consumer |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
TOTAL |  | $ | 7,643 |  |  | $ | 7,113 |  |  | $ | 48 |  |  | $ | 8,693 |  |  | $ | — |  |  | $ | — |
December 31, 2018 |  |  |  |  |  | Allowance |  |  |  |  |  | Cash Basis
|  | Unpaid |  |  |  | for Loan |  | Average |  | Interest |  | Interest
|  | Principal |  | Recorded |  | Losses |  | Recorded |  | Income |  | Income
|  | Balance |  | Investment |  | Allocated |  | Investment |  | Recognized |  | Recognized
With no related allowance recorded: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial & Industrial |  | $ | 589 |  |  | $ | 589 |  |  | $ | — |  |  | $ | 698 |  |  | $ | — |  |  | $ | — |
Farmland |  | 2,022 |  |  | 2,022 |  |  | — |  |  | 1,579 |  |  | — |  |  | — |
Non Farm, Non Residential |  | — |  |  | — |  |  | — |  |  | 1,443 |  |  | — |  |  | — |
Agriculture |  | — |  |  | — |  |  | — |  |  | 49 |  |  | — |  |  | — |
All Other Commercial |  | 1,114 |  |  | 1,114 |  |  | — |  |  | 1,172 |  |  | — |  |  | — |
Residential |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
First Liens |  | 4,415 |  |  | 4,415 |  |  | — |  |  | 3,371 |  |  | — |  |  | — |
Home Equity |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Junior Liens |  | — |  |  | — |  |  | — |  |  | 23 |  |  | — |  |  | — |
Multifamily |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
All Other Residential |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Consumer |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Motor Vehicle |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
All Other Consumer |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
With an allowance recorded: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial & Industrial |  | 1,819 |  |  | 1,819 |  |  | 593 |  |  | 688 |  |  | — |  |  | — |
Farmland |  | 211 |  |  | 211 |  |  | 44 |  |  | 1,691 |  |  | — |  |  | — |
Non Farm, Non Residential |  | — |  |  | — |  |  | — |  |  | — |  |  |  |  |  | — |
Agriculture |  | 346 |  |  | 346 |  |  | 100 |  |  | 316 |  |  | — |  |  | — |
All Other Commercial |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Residential |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
First Liens |  | — |  |  | — |  |  | — |  |  | 88 |  |  | — |  |  | — |
Home Equity |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Junior Liens |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Multifamily |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
All Other Residential |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Consumer |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Motor Vehicle |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
All Other Consumer |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
TOTAL |  | $ | 10,516 |  |  | $ | 10,516 |  |  | $ | 737 |  |  | $ | 11,118 |  |  | $ | — |  |  | $ | — |
December 31, 2017 |  |  |  |  |  | Cash Basis
|  | Average |  | Interest |  | Interest
|  | Recorded |  | Income |  | Income
|  | Investment |  | Recognized |  | Recognized
With no related allowance recorded: |  |  |  |  |  |  |  |  |
Commercial |  |  |  |  |  |  |  |  |
Commercial & Industrial |  | $ | 971 |  |  | $ | — |  |  | $ | — |
Farmland |  | 1,265 |  |  | — |  |  | — |
Non Farm, Non Residential |  | 2,781 |  |  | — |  |  | — |
Agriculture |  | 239 |  |  | — |  |  | — |
All Other Commercial |  | 1,308 |  |  | — |  |  | — |
Residential |  |  |  |  |  |  |  |  |
First Liens |  | 23 |  |  | — |  |  | — |
Home Equity |  | — |  |  | — |  |  | — |
Junior Liens |  | — |  |  | — |  |  | — |
Multifamily |  | — |  |  | — |  |  | — |
All Other Residential |  | — |  |  | — |  |  | — |
Consumer |  |  |  |  |  |  |  |  |
Motor Vehicle |  | — |  |  | — |  |  | — |
All Other Consumer |  | — |  |  | — |  |  | — |
With an allowance recorded: |  |  |  |  |  |  |  |  |
Commercial |  |  |  |  |  |  |  |  |
Commercial & Industrial |  | 514 |  |  | — |  |  | — |
Farmland |  | 669 |  |  | — |  |  | — |
Non Farm, Non Residential |  | 131 |  |  |  |  |  | — |
Agriculture |  | 279 |  |  | — |  |  | — |
All Other Commercial |  | — |  |  | — |  |  | — |
Residential |  |  |  |  |  |  |  |  |
First Liens |  | 483 |  |  | — |  |  | — |
Home Equity |  | — |  |  | — |  |  | — |
Junior Liens |  | — |  |  | — |  |  | — |
Multifamily |  | — |  |  | — |  |  | — |
All Other Residential |  | — |  |  | — |  |  | — |
Consumer |  |  |  |  |  |  |  |  |
Motor Vehicle |  | — |  |  | — |  |  | — |
All Other Consumer |  | — |  |  | — |  |  | — |
TOTAL |  | $ | 8,663 |  |  | $ | — |  |  | $ | — |
Schedule of non-performing loans | The following tables present the recorded investment in nonperforming loans by class of loans.
|  | December 31, 2019
|  | Loans Past |  | Troubled Debt |  |
|  | Due Over 90 Day Still |  | Restructured |  |
(Dollar amounts in thousands) |  | Accruing |  | Accrual |  | Non-accrual |  | Non-accrual
Commercial |  |  |  |  |  |  |  |  |  |  |  |
Commercial & Industrial |  | $ | — |  |  | $ | — |  |  | $ | 11 |  |  | $ | 2,191 |
Farmland |  | 5 |  |  | — |  |  | — |  |  | 2,410 |
Non Farm, Non Residential |  | — |  |  | — |  |  | — |  |  | 441 |
Agriculture |  | — |  |  | — |  |  | — |  |  | 485 |
All Other Commercial |  | — |  |  | — |  |  | — |  |  | 114 |
Residential |  |  |  |  |  |  |  |  |  |  |
First Liens |  | 625 |  |  | 3,007 |  |  | 396 |  |  | 2,876 |
Home Equity |  | 12 |  |  | — |  |  | — |  |  | 61 |
Junior Liens |  | 51 |  |  | 94 |  |  | 9 |  |  | 175 |
Multifamily |  | — |  |  | — |  |  | — |  |  | — |
All Other Residential |  | 738 |  |  | — |  |  | — |  |  | 203 |
Consumer |  |  |  |  |  |  |  |  |  |  |
Motor Vehicle |  | 227 |  |  | — |  |  | 15 |  |  | 138 |
All Other Consumer |  | 4 |  |  | 239 |  |  | 444 |  |  | 452 |
TOTAL |  | $ | 1,662 |  |  | $ | 3,340 |  |  | $ | 875 |  |  | $ | 9,546 |
Troubled debt restructurings on financing receivables | During the years ending December 31, 2019, 2018, and 2017 the terms of certain loans were modified as troubled debt restructurings (TDRs). The following tables present the activity for TDR's.
|  |  |  |  |  |  |  | 2019
(Dollar amounts in thousands) |  | Commercial |  | Residential |  | Consumer |  | Total
January 1, |  | $ | 145 |  |  | $ | 4,043 |  |  | $ | 618 |  |  | $ | 4,806 |
Added |  | — |  |  | 195 |  |  | 375 |  |  | 570 |
Charged Off |  | — |  |  | (24 | ) |  | (81 | ) |  | (105 | )
Payments |  | (134 | ) |  | (729 | ) |  | (214 | ) |  | (1,077 | )
December 31, |  | $ | 11 |  |  | $ | 3,485 |  |  | $ | 698 |  |  | $ | 4,194 |
|  |  |  |  |  |  |  | 2018
(Dollar amounts in thousands) |  | Commercial |  | Residential |  | Consumer |  | Total
January 1, |  | $ | 2,709 |  |  | $ | 3,611 |  |  | $ | 714 |  |  | $ | 7,034 |
Added |  | — |  |  | 984 |  |  | 295 |  |  | 1,279 |
Charged Off |  | — |  |  | (16 | ) |  | (137 | ) |  | (153 | )
Payments |  | (2,564 | ) |  | (536 | ) |  | (254 | ) |  | (3,354 | )
December 31, |  | $ | 145 |  |  | $ | 4,043 |  |  | $ | 618 |  |  | $ | 4,806 |
|  |  |  |  |  |  |  | 2017
(Dollar amounts in thousands) |  | Commercial |  | Residential |  | Consumer |  | Total
January 1, |  | $ | 3,386 |  |  | $ | 4,447 |  |  | $ | 732 |  |  | $ | 8,565 |
Added |  | — |  |  | 227 |  |  | 386 |  |  | 613 |
Charged Off |  | — |  |  | (289 | ) |  | (141 | ) |  | (430 | )
Payments |  | (677 | ) |  | (774 | ) |  | (263 | ) |  | (1,714 | )
December 31, |  | $ | 2,709 |  |  | $ | 3,611 |  |  | $ | 714 |  |  | $ | 7,034 |
Aging of recorded investment in loans by past due category and class of loans | The following tables present the aging of the recorded investment in loans by past due category and class of loans.
|  |  |  |  |  | Greater |  |  |  |  |  |
December 31, 2019 |  | 30-59 Days |  | 60-89 Days |  | than 90 days |  | Total |  |  |  |
(Dollar amounts in thousands) |  | Past Due |  | Past Due |  | Past Due |  | Past Due |  | Current |  | Total
Commercial |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial & Industrial |  | $ | 2,885 |  |  | $ | 766 |  |  | $ | 1,379 |  |  | $ | 5,030 |  |  | $ | 594,925 |  |  | $ | 599,955 |
Farmland |  | 132 |  |  | — |  |  | 2,089 |  |  | 2,221 |  |  | 137,730 |  |  | 139,951 |
Non Farm, Non Residential |  | 3,749 |  |  | 104 |  |  | — |  |  | 3,853 |  |  | 398,854 |  |  | 402,707 |
Agriculture |  | 277 |  |  | 128 |  |  | — |  |  | 405 |  |  | 162,794 |  |  | 163,199 |
All Other Commercial |  | — |  |  | — |  |  | 109 |  |  | 109 |  |  | 288,845 |  |  | 288,954 |
Residential |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
First Liens |  | 6,452 |  |  | 1,292 |  |  | 1,458 |  |  | 9,202 |  |  | 375,924 |  |  | 385,126 |
Home Equity |  | 124 |  |  | 63 |  |  | 34 |  |  | 221 |  |  | 70,813 |  |  | 71,034 |
Junior Liens |  | 384 |  |  | 43 |  |  | 137 |  |  | 564 |  |  | 54,533 |  |  | 55,097 |
Multifamily |  | — |  |  | — |  |  | — |  |  | — |  |  | 148,282 |  |  | 148,282 |
All Other Residential |  | 1,082 |  |  | — |  |  | 890 |  |  | 1,972 |  |  | 22,510 |  |  | 24,482 |
Consumer |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Motor Vehicle |  | 6,488 |  |  | 983 |  |  | 270 |  |  | 7,741 |  |  | 347,950 |  |  | 355,691 |
All Other Consumer |  | 228 |  |  | 42 |  |  | 2 |  |  | 272 |  |  | 31,692 |  |  | 31,964 |
TOTAL |  | $ | 21,801 |  |  | $ | 3,421 |  |  | $ | 6,368 |  |  | $ | 31,590 |  |  | $ | 2,634,852 |  |  | $ | 2,666,442 |
|  |  |  |  |  | Greater |  |  |  |  |  |
December 31, 2018 |  | 30-59 Days |  | 60-89 Days |  | than 90 days |  | Total |  |  |  |
(Dollar amounts in thousands) |  | Past Due |  | Past Due |  | Past Due |  | Past Due |  | Current |  | Total
Commercial |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial & Industrial |  | $ | 1,017 |  |  | $ | 420 |  |  | $ | 345 |  |  | $ | 1,782 |  |  | $ | 518,239 |  |  | $ | 520,021 |
Farmland |  | 515 |  |  | 8 |  |  | 2,136 |  |  | 2,659 |  |  | 104,981 |  |  | 107,640 |
Non Farm, Non Residential |  | — |  |  | — |  |  | 57 |  |  | 57 |  |  | 188,706 |  |  | 188,763 |
Agriculture |  | 41 |  |  | — |  |  | 347 |  |  | 388 |  |  | 148,345 |  |  | 148,733 |
All Other Commercial |  | 30 |  |  | 3 |  |  | — |  |  | 33 |  |  | 208,633 |  |  | 208,666 |
Residential |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
First Liens |  | 3,365 |  |  | 429 |  |  | 1,473 |  |  | 5,267 |  |  | 231,684 |  |  | 236,951 |
Home Equity |  | 155 |  |  | 8 |  |  | 110 |  |  | 273 |  |  | 39,378 |  |  | 39,651 |
Junior Liens |  | 132 |  |  | 225 |  |  | 63 |  |  | 420 |  |  | 49,111 |  |  | 49,531 |
Multifamily |  | — |  |  | — |  |  | — |  |  | — |  |  | 109,609 |  |  | 109,609 |
All Other Residential |  | — |  |  | 9 |  |  | 15 |  |  | 24 |  |  | 9,146 |  |  | 9,170 |
Consumer |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Motor Vehicle |  | 4,766 |  |  | 609 |  |  | 177 |  |  | 5,552 |  |  | 309,238 |  |  | 314,790 |
All Other Consumer |  | 208 |  |  | 7 |  |  | 12 |  |  | 227 |  |  | 27,456 |  |  | 27,683 |
TOTAL |  | $ | 10,229 |  |  | $ | 1,718 |  |  | $ | 4,735 |  |  | $ | 16,682 |  |  | $ | 1,944,526 |  |  | $ | 1,961,208 |
Analysis of risk category of loans by class of loans | As of December 31, 2019 and 2018, and based on the most recent analysis performed, the risk category of loans by class of loans is as follows:
December 31, 2019 |  |  |  | Special |  |  |  |  |  |  |  |
(Dollar amounts in thousands) |  | Pass |  | Mention |  | Substandard |  | Doubtful |  | Not Rated |  | Total
Commercial |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial & Industrial |  | $ | 549,341 |  |  | $ | 19,253 |  |  | $ | 26,349 |  |  | $ | 5 |  |  | $ | 2,761 |  |  | $ | 597,709 |
Farmland |  | 119,858 |  |  | 8,673 |  |  | 8,644 |  |  | — |  |  | 100 |  |  | 137,275 |
Non Farm, Non Residential |  | 381,404 |  |  | 4,424 |  |  | 12,269 |  |  | — |  |  | 3,678 |  |  | 401,775 |
Agriculture |  | 127,144 |  |  | 4,507 |  |  | 27,490 |  |  | — |  |  | 985 |  |  | 160,126 |
All Other Commercial |  | 283,266 |  |  | 3,141 |  |  | 1,120 |  |  | — |  |  | 35 |  |  | 287,562 |
Residential |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
First Liens |  | 174,338 |  |  | 926 |  |  | 4,382 |  |  | — |  |  | 204,266 |  |  | 383,912 |
Home Equity |  | 18,417 |  |  | — |  |  | 134 |  |  | 11 |  |  | 52,280 |  |  | 70,842 |
Junior Liens |  | 2,839 |  |  | 64 |  |  | 178 |  |  | 76 |  |  | 51,817 |  |  | 54,974 |
Multifamily |  | 146,497 |  |  | 112 |  |  | 1,315 |  |  | — |  |  | 19 |  |  | 147,943 |
All Other Residential |  | 12,624 |  |  | — |  |  | 205 |  |  | — |  |  | 11,577 |  |  | 24,406 |
Consumer |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Motor Vehicle |  | 2,880 |  |  | — |  |  | 538 |  |  | — |  |  | 350,780 |  |  | 354,198 |
All Other Consumer |  | 3,155 |  |  | — |  |  | 38 |  |  | — |  |  | 28,615 |  |  | 31,808 |
TOTAL |  | $ | 1,821,763 |  |  | $ | 41,100 |  |  | $ | 82,662 |  |  | $ | 92 |  |  | $ | 706,913 |  |  | $ | 2,652,530 |
December 31, 2018 |  |  |  | Special |  |  |  |  |  |  |  |
(Dollar amounts in thousands) |  | Pass |  | Mention |  | Substandard |  | Doubtful |  | Not Rated |  | Total
Commercial |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial & Industrial |  | $ | 472,008 |  |  | $ | 20,600 |  |  | $ | 18,374 |  |  | $ | — |  |  | $ | 7,428 |  |  | $ | 518,410 |
Farmland |  | 90,367 |  |  | 7,587 |  |  | 7,783 |  |  | — |  |  | 19 |  |  | 105,756 |
Non Farm, Non Residential |  | 170,757 |  |  | 5,442 |  |  | 10,439 |  |  | — |  |  | 1,695 |  |  | 188,333 |
Agriculture |  | 118,952 |  |  | 10,010 |  |  | 16,637 |  |  | — |  |  | 457 |  |  | 146,056 |
All Other Commercial |  | 198,302 |  |  | 43 |  |  | 6,777 |  |  | — |  |  | 2,675 |  |  | 207,797 |
Residential |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
First Liens |  | 43,915 |  |  | 1,043 |  |  | 3,504 |  |  | — |  |  | 187,685 |  |  | 236,147 |
Home Equity |  | 963 |  |  | — |  |  | 148 |  |  | — |  |  | 38,471 |  |  | 39,582 |
Junior Liens |  | 1,983 |  |  | 74 |  |  | 224 |  |  | 76 |  |  | 47,060 |  |  | 49,417 |
Multifamily |  | 109,361 |  |  | — |  |  | — |  |  | — |  |  | 17 |  |  | 109,378 |
All Other Residential |  | — |  |  | — |  |  | 15 |  |  | — |  |  | 9,131 |  |  | 9,146 |
Consumer |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Motor Vehicle |  | — |  |  | — |  |  | 627 |  |  | — |  |  | 312,863 |  |  | 313,490 |
All Other Consumer |  | — |  |  | — |  |  | 34 |  |  | — |  |  | 27,517 |  |  | 27,551 |
TOTAL |  | $ | 1,206,608 |  |  | $ | 44,799 |  |  | $ | 64,562 |  |  | $ | 76 |  |  | $ | 635,018 |  |  | $ | 1,951,063 |

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