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Loans and Allowance for Credit Losses (Tables) | 6 Months Ended
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Jun. 30, 2017
Receivables [Abstract] |
Schedule of loans, net of unamortized net deferred fees | Loans, net of unamortized net deferred fees, at June 30, 2017, December 31, 2016, and June 30, 2016 are summarized by type as follows:
|  | June 30, 2017 |  |  | December 31, 2016 |  |  | June 30, 2016 |
(dollars in thousands) |  | Amount |  |  | % |  |  | Amount |  |  | % |  |  | Amount |  |  | % |
Commercial |  | $ | 1,319,736 |  |  |  | 22 | % |  | $ | 1,200,728 |  |  |  | 21 | % |  | $ | 1,140,863 |  |  |  | 21 | %
Income producing - commercial real estate |  |  | 2,596,230 |  |  |  | 43 | % |  |  | 2,509,517 |  |  |  | 44 | % |  |  | 2,461,581 |  |  |  | 45 | %
Owner occupied - commercial real estate |  |  | 660,066 |  |  |  | 11 | % |  |  | 640,870 |  |  |  | 12 | % |  |  | 584,358 |  |  |  | 11 | %
Real estate mortgage - residential |  |  | 151,115 |  |  |  | 3 | % |  |  | 152,748 |  |  |  | 3 | % |  |  | 150,129 |  |  |  | 3 | %
Construction - commercial and residential* |  |  | 1,034,902 |  |  |  | 17 | % |  |  | 932,531 |  |  |  | 16 | % |  |  | 847,268 |  |  |  | 16 | %
Construction - C&I (owner occupied) |  |  | 116,577 |  |  |  | 2 | % |  |  | 126,038 |  |  |  | 2 | % |  |  | 100,063 |  |  |  | 2 | %
Home equity |  |  | 103,671 |  |  |  | 2 | % |  |  | 105,096 |  |  |  | 2 | % |  |  | 110,697 |  |  |  | 2 | %
Other consumer |  |  | 2,734 |  |  |  | — |  |  |  | 10,365 |  |  |  | — |  |  |  | 8,470 |  |  |  | — |
Total loans |  |  | 5,985,031 |  |  |  | 100 | % |  |  | 5,677,893 |  |  |  | 100 | % |  |  | 5,403,429 |  |  |  | 100 | %
Less: allowance for credit losses |  |  | (61,047 | ) |  |  |  |  |  |  | (59,074 | ) |  |  |  |  |  |  | (56,536 | ) |  |  |  |
Net loans |  | $ | 5,923,984 |  |  |  |  |  |  | $ | 5,618,819 |  |  |  |  |  |  | $ | 5,346,893 |  |  |  |  |
*Includes land loans
Schedule of allowance for credit losses on financing receivables | The following tables detail activity in the allowance for credit losses by portfolio segment for the three and six months ended June 30, 2017 and 2016. Allocation of a portion of the allowance to one category of loans does not preclude its availability to absorb losses in other categories.
(dollars in thousands) | Commercial |  | Income Producing Commercial Real Estate |  | Owner Occupied Commercial Real Estate |  | Real Estate Mortgage Residential |  | Construction Commercial and Residential |  | Home Equity |  | Other Consumer |  | Total |
Three months ended June 30, 2017 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Allowance for credit losses: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Balance at beginning of period | $ | 14,583 |  | $ | 21,384 |  | $ | 4,026 |  | $ | 1,106 |  | $ | 17,356 |  | $ | 1,088 |  | $ | 305 |  | $ | 59,848 |
Loans charged-off |  | — |  |  | (970 | ) |  | — |  |  | — |  |  | — |  |  | — |  |  | (3 | ) |  | (973 | )
Recoveries of loans previously charged-off |  | 255 |  |  | — |  |  | 1 |  |  | 1 |  |  | 342 |  |  | 2 |  |  | 5 |  |  | 606 |
Net loans (charged-off) recoveries |  | 255 |  |  | (970 | ) |  | 1 |  |  | 1 |  |  | 342 |  |  | 2 |  |  | 2 |  |  | (367 | )
Provision for credit losses |  | (613 | ) |  | 2,894 |  |  | 162 |  |  | (26 | ) |  | (971 | ) |  | 126 |  |  | (6 | ) |  | 1,566 |
Ending balance | $ | 14,225 |  | $ | 23,308 |  | $ | 4,189 |  | $ | 1,081 |  | $ | 16,727 |  | $ | 1,216 |  | $ | 301 |  | $ | 61,047 |
Six months ended June 30, 2017 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Allowance for credit losses: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Balance at beginning of period | $ | 14,700 |  | $ | 21,105 |  | $ | 4,010 |  | $ | 1,284 |  | $ | 16,487 |  | $ | 1,328 |  | $ | 160 |  | $ | 59,074 |
Loans charged-off |  | (137 | ) |  | (1,470 | ) |  | — |  |  | — |  |  | — |  |  | — |  |  | (66 | ) |  | (1,673 | )
Recoveries of loans previously charged-off |  | 268 |  |  | 50 |  |  | 2 |  |  | 3 |  |  | 345 |  |  | 3 |  |  | 12 |  |  | 683 |
Net loans charged-off |  | 131 |  |  | (1,420 | ) |  | 2 |  |  | 3 |  |  | 345 |  |  | 3 |  |  | (54 | ) |  | (990 | )
Provision for credit losses |  | (606 | ) |  | 3,623 |  |  | 177 |  |  | (206 | ) |  | (105 | ) |  | (115 | ) |  | 195 |  |  | 2,963 |
Ending balance | $ | 14,225 |  | $ | 23,308 |  | $ | 4,189 |  | $ | 1,081 |  | $ | 16,727 |  | $ | 1,216 |  | $ | 301 |  | $ | 61,047 |
As of June 30, 2017 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Allowance for credit losses: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Individually evaluated for impairment | $ | 3,070 |  | $ | 2,013 |  | $ | 350 |  | $ | — |  | $ | 350 |  | $ | 90 |  | $ | 52 |  | $ | 5,925 |
Collectively evaluated for impairment |  | 11,155 |  |  | 21,295 |  |  | 3,839 |  |  | 1,081 |  |  | 16,377 |  |  | 1,126 |  |  | 249 |  |  | 55,122 |
Ending balance | $ | 14,225 |  | $ | 23,308 |  | $ | 4,189 |  | $ | 1,081 |  | $ | 16,727 |  | $ | 1,216 |  | $ | 301 |  | $ | 61,047 |
Three months ended June 30, 2016 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Allowance for credit losses: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Balance at beginning of period | $ | 13,622 |  | $ | 15,794 |  | $ | 3,931 |  | $ | 1,051 |  | $ | 18,466 |  | $ | 1,483 |  | $ | 261 |  | $ | 54,608 |
Loans charged-off |  | (1,888 | ) |  | (1 | ) |  | — |  |  | — |  |  | — |  |  | (92 | ) |  | (18 | ) |  | (1,999 | )
Recoveries of loans previously charged-off |  | 14 |  |  | — |  |  | 1 |  |  | 1 |  |  | 8 |  |  | 7 |  |  | 8 |  |  | 39 |
Net loans (charged-off) recoveries |  | (1,874 | ) |  | (1 | ) |  | 1 |  |  | 1 |  |  | 8 |  |  | (85 | ) |  | (10 | ) |  | (1,960 | )
Provision for credit losses |  | 1,638 |  |  | 3,279 |  |  | 270 |  |  | 9 |  |  | (1,450 | ) |  | 158 |  |  | (16 | ) |  | 3,888 |
Ending balance | $ | 13,386 |  | $ | 19,072 |  | $ | 4,202 |  | $ | 1,061 |  | $ | 17,024 |  | $ | 1,556 |  | $ | 235 |  | $ | 56,536 |
Six months ended June 30, 2016 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Allowance for credit losses: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Balance at beginning of period | $ | 11,563 |  | $ | 14,122 |  | $ | 3,279 |  | $ | 1,268 |  | $ | 21,088 |  | $ | 1,292 |  | $ | 75 |  | $ | 52,687 |
Loans charged-off |  | (2,693 | ) |  | (591 | ) |  | — |  |  | — |  |  | — |  |  | (96 | ) |  | (25 | ) |  | (3,405 | )
Recoveries of loans previously charged-off |  | 86 |  |  | 4 |  |  | 2 |  |  | 3 |  |  | 204 |  |  | 8 |  |  | 16 |  |  | 323 |
Net loans charged-off |  | (2,607 | ) |  | (587 | ) |  | 2 |  |  | 3 |  |  | 204 |  |  | (88 | ) |  | (9 | ) |  | (3,082 | )
Provision for credit losses |  | 4,430 |  |  | 5,537 |  |  | 921 |  |  | (210 | ) |  | (4,268 | ) |  | 352 |  |  | 169 |  |  | 6,931 |
Ending balance | $ | 13,386 |  | $ | 19,072 |  | $ | 4,202 |  | $ | 1,061 |  | $ | 17,024 |  | $ | 1,556 |  | $ | 235 |  | $ | 56,536 |
As of June 30, 2016 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Allowance for credit losses: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Individually evaluated for impairment | $ | 2,634 |  | $ | 1,697 |  | $ | 450 |  | $ | — |  | $ | 350 |  | $ | 88 |  | $ | — |  | $ | 5,219 |
Collectively evaluated for impairment |  | 10,752 |  |  | 17,375 |  |  | 3,752 |  |  | 1,061 |  |  | 16,674 |  |  | 1,468 |  |  | 235 |  |  | 51,317 |
Ending balance | $ | 13,386 |  | $ | 19,072 |  | $ | 4,202 |  | $ | 1,061 |  | $ | 17,024 |  | $ | 1,556 |  | $ | 235 |  | $ | 56,536 |
Schedule of recorded investment in loans | The Company’s recorded investments in loans as of June 30, 2017, December 31, 2016 and June 30, 2016 related to each balance in the allowance for loan losses by portfolio segment and disaggregated on the basis of the Company’s impairment methodology was as follows:
(dollars in thousands) | Commercial |  | Income Producing Commercial Real Estate |  | Owner occupied Commercial Real Estate |  | Real Estate Mortgage Residential |  | Construction Commercial and Residential |  | Home Equity |  | Other Consumer |  | Total |
June 30, 2017 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Recorded investment in loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Individually evaluated for impairment | $ | 8,929 |  | $ | 12,339 |  | $ | 5,370 |  | $ | — |  | $ | 9,028 |  | $ | 594 |  | $ | 93 |  | $ | 36,353 |
Collectively evaluated for impairment |  | 1,310,807 |  |  | 2,583,891 |  |  | 654,696 |  |  | 151,115 |  |  | 1,142,451 |  |  | 103,077 |  |  | 2,641 |  |  | 5,948,678 |
Ending balance | $ | 1,319,736 |  | $ | 2,596,230 |  | $ | 660,066 |  | $ | 151,115 |  | $ | 1,151,479 |  | $ | 103,671 |  | $ | 2,734 |  | $ | 5,985,031 |
December 31, 2016 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Recorded investment in loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Individually evaluated for impairment | $ | 10,437 |  | $ | 15,057 |  | $ | 2,093 |  | $ | 241 |  | $ | 6,517 |  | $ | — |  | $ | 126 |  | $ | 34,471 |
Collectively evaluated for impairment |  | 1,190,291 |  |  | 2,494,460 |  |  | 638,777 |  |  | 152,507 |  |  | 1,052,052 |  |  | 105,096 |  |  | 10,239 |  |  | 5,643,422 |
Ending balance | $ | 1,200,728 |  | $ | 2,509,517 |  | $ | 640,870 |  | $ | 152,748 |  | $ | 1,058,569 |  | $ | 105,096 |  | $ | 10,365 |  | $ | 5,677,893 |
June 30, 2016 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Recorded investment in loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Individually evaluated for impairment | $ | 12,402 |  | $ | 19,778 |  | $ | 1,699 |  | $ | 254 |  | $ | 5,413 |  | $ | 121 |  | $ | — |  | $ | 39,667 |
Collectively evaluated for impairment |  | 1,128,461 |  |  | 2,441,803 |  |  | 582,659 |  |  | 149,875 |  |  | 941,918 |  |  | 110,576 |  |  | 8,470 |  |  | 5,363,762 |
Ending balance | $ | 1,140,863 |  | $ | 2,461,581 |  | $ | 584,358 |  | $ | 150,129 |  | $ | 947,331 |  | $ | 110,697 |  | $ | 8,470 |  | $ | 5,403,429 |
Schedule of loans by class and credit quality indicators | The following table presents by class and by credit quality indicator, the recorded investment in the Company’s loans and leases as of June 30, 2017, December 31, 2016 and June 30, 2016.
(dollars in thousands) | Pass |  | Watch and Special Mention |  | Substandard |  | Doubtful |  | Total Loans |
June 30, 2017 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial | $ | 1,276,713 |  | $ | 34,094 |  | $ | 8,929 |  | $ | — |  | $ | 1,319,736 |
Income producing - commercial real estate |  | 2,564,780 |  |  | 19,111 |  |  | 12,339 |  |  | — |  |  | 2,596,230 |
Owner occupied - commercial real estate |  | 642,342 |  |  | 12,354 |  |  | 5,370 |  |  | — |  |  | 660,066 |
Real estate mortgage – residential |  | 150,449 |  |  | 666 |  |  | — |  |  | — |  |  | 151,115 |
Construction - commercial and residential |  | 1,139,629 |  |  | 2,822 |  |  | 9,028 |  |  | — |  |  | 1,151,479 |
Home equity |  | 101,963 |  |  | 1,114 |  |  | 594 |  |  | — |  |  | 103,671 |
Other consumer |  | 2,639 |  |  | 2 |  |  | 93 |  |  | — |  |  | 2,734 |
Total | $ | 5,878,515 |  | $ | 70,163 |  | $ | 36,353 |  | $ | — |  | $ | 5,985,031 |
December 31, 2016 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial | $ | 1,160,185 |  | $ | 30,106 |  | $ | 10,437 |  | $ | — |  | $ | 1,200,728 |
Income producing - commercial real estate |  | 2,489,407 |  |  | 5,053 |  |  | 15,057 |  |  | — |  |  | 2,509,517 |
Owner occupied - commercial real estate |  | 630,827 |  |  | 7,950 |  |  | 2,093 |  |  | — |  |  | 640,870 |
Real estate mortgage – residential |  | 151,831 |  |  | 676 |  |  | 241 |  |  | — |  |  | 152,748 |
Construction - commercial and residential |  | 1,051,445 |  |  | 607 |  |  | 6,517 |  |  | — |  |  | 1,058,569 |
Home equity |  | 103,484 |  |  | 1,612 |  |  | — |  |  | — |  |  | 105,096 |
Other consumer |  | 10,237 |  |  | 2 |  |  | 126 |  |  | — |  |  | 10,365 |
Total | $ | 5,597,416 |  | $ | 46,006 |  | $ | 34,471 |  | $ | — |  | $ | 5,677,893 |
June 30, 2016 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial | $ | 1,112,108 |  | $ | 17,842 |  | $ | 10,913 |  | $ | — |  | $ | 1,140,863 |
Income producing - commercial real estate |  | 2,424,180 |  |  | 22,763 |  |  | 14,638 |  |  | — |  |  | 2,461,581 |
Owner occupied - commercial real estate |  | 572,598 |  |  | 10,499 |  |  | 1,261 |  |  | — |  |  | 584,358 |
Real estate mortgage – residential |  | 149,181 |  |  | 694 |  |  | 254 |  |  | — |  |  | 150,129 |
Construction - commercial and residential |  | 938,148 |  |  | 3,770 |  |  | 5,413 |  |  | — |  |  | 947,331 |
Home equity |  | 108,954 |  |  | 1,622 |  |  | 121 |  |  | — |  |  | 110,697 |
Other consumer |  | 8,467 |  |  | 3 |  |  | — |  |  | — |  |  | 8,470 |
Total | $ | 5,313,636 |  | $ | 57,193 |  | $ | 32,600 |  | $ | — |  | $ | 5,403,429 |
Schedule of loans, non accrual status | The following table presents, by class of loan, information related to nonaccrual loans as of June 30, 2017, December 31, 2016 and June 30, 2016.
(dollars in thousands) | June 30, 2017 |  | December 31, 2016 |  | June 30, 2016 |
Commercial | $ | 3,202 |  | $ | 2,490 |  | $ | 3,775 |
Income producing - commercial real estate |  | 1,471 |  |  | 10,539 |  |  | 10,234 |
Owner occupied - commercial real estate |  | 5,370 |  |  | 2,093 |  |  | 1,261 |
Real estate mortgage - residential |  | 304 |  |  | 555 |  |  | 576 |
Construction - commercial and residential |  | 6,115 |  |  | 2,072 |  |  | 5,413 |
Home equity |  | 594 |  |  | — |  |  | 121 |
Other consumer |  | 92 |  |  | 126 |  |  | — |
Total nonaccrual loans (1)(2) | $ | 17,148 |  | $ | 17,875 |  | $ | 21,380 |
| (1) | Excludes troubled debt restructurings (“TDRs”) that were performing under their restructured terms totaling $12.7 million at June 30, 2017, as compared to $7.9 million at December 31, 2016 and $7.3 million at June 30, 2016.
| (2) | Gross interest income of $322 thousand and $626 thousand would have been recorded for the three and six months ended June 30, 2017, if nonaccrual loans shown above had been current and in accordance with their original terms while interest actually recorded on such loans was $265 thousand and $355 thousand for the three and six months ended June 30, 2017. See Note 1 to the Consolidated Financial Statements for a description of the Company’s policy for placing loans on nonaccrual status.
Schedule of past due loans | The following table presents, by class of loan, an aging analysis and the recorded investments in loans past due as of June 30, 2017 and December 31, 2016.
(dollars in thousands) | Loans 30-59 Days Past Due |  | Loans 60-89 Days Past Due |  | Loans 90 Days or More Past Due |  | Total Past Due Loans |  | Current Loans |  | Total Recorded Investment in Loans |
June 30, 2017 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial | $ | 3,366 |  | $ | 1,007 |  | $ | 3,202 |  | $ | 7,575 |  | $ | 1,312,161 |  | $ | 1,319,736 |
Income producing - commercial real estate |  | 4,560 |  |  | 4,195 |  |  | 1,471 |  |  | 10,226 |  |  | 2,586,004 |  |  | 2,596,230 |
Owner occupied - commercial real estate |  | 2,080 |  |  | 5,195 |  |  | 5,370 |  |  | 12,645 |  |  | 647,421 |  |  | 660,066 |
Real estate mortgage – residential |  | 1,011 |  |  | — |  |  | 304 |  |  | 1,315 |  |  | 149,800 |  |  | 151,115 |
Construction - commercial and residential |  | — |  |  | — |  |  | 6,115 |  |  | 6,115 |  |  | 1,145,364 |  |  | 1,151,479 |
Home equity |  | 157 |  |  | — |  |  | 594 |  |  | 751 |  |  | 102,920 |  |  | 103,671 |
Other consumer |  | 11 |  |  | — |  |  | 92 |  |  | 103 |  |  | 2,631 |  |  | 2,734 |
Total | $ | 11,185 |  | $ | 10,397 |  | $ | 17,148 |  | $ | 38,730 |  | $ | 5,946,301 |  | $ | 5,985,031 |
December 31, 2016 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial | $ | 1,634 |  | $ | 757 |  | $ | 2,490 |  | $ | 4,881 |  | $ | 1,195,847 |  | $ | 1,200,728 |
Income producing - commercial real estate |  | 511 |  |  | — |  |  | 10,539 |  |  | 11,050 |  |  | 2,498,467 |  |  | 2,509,517 |
Owner occupied - commercial real estate |  | 3,987 |  |  | 3,328 |  |  | 2,093 |  |  | 9,408 |  |  | 631,462 |  |  | 640,870 |
Real estate mortgage – residential |  | 1,015 |  |  | 163 |  |  | 555 |  |  | 1,733 |  |  | 151,015 |  |  | 152,748 |
Construction - commercial and residential |  | 360 |  |  | 1,342 |  |  | 2,072 |  |  | 3,774 |  |  | 1,054,795 |  |  | 1,058,569 |
Home equity |  | — |  |  | — |  |  | — |  |  | — |  |  | 105,096 |  |  | 105,096 |
Other consumer |  | 101 |  |  | 9 |  |  | 126 |  |  | 236 |  |  | 10,129 |  |  | 10,365 |
Total | $ | 7,608 |  | $ | 5,599 |  | $ | 17,875 |  | $ | 31,082 |  | $ | 5,646,811 |  | $ | 5,677,893 |
Schedule of impaired loans | The following table presents, by class of loan, information related to impaired loans for the periods ended June 30, 2017, December 31, 2016 and June 30, 2016.
| Unpaid Contractual |  | Recorded Investment |  | Recorded Investment |  | Total |  |  |  | Average Recorded Investment |  | Interest Income Recognized |
(dollars in thousands) | Principal Balance |  | With No Allowance |  | With Allowance |  | Recorded Investment |  | Related Allowance |  | Quarter To Date |  | Year To Date |  | Quarter To Date |  | Year To Date |
June 30, 2017 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial | $ | 8,988 |  | $ | 2,805 |  | $ | 3,514 |  | $ | 6,319 |  | $ | 3,070 |  | $ | 5,950 |  | $ | 5,842 |  | $ | 24 |  | $ | 66 |
Income producing - commercial real estate |  | 10,683 |  |  | 6,233 |  |  | 4,450 |  |  | 10,683 |  |  | 2,013 |  |  | 10,351 |  |  | 11,879 |  |  | 204 |  |  | 252 |
Owner occupied - commercial real estate |  | 5,713 |  |  | 4,927 |  |  | 786 |  |  | 5,713 |  |  | 350 |  |  | 4,356 |  |  | 3,731 |  |  | 20 |  |  | 20 |
Real estate mortgage – residential |  | 304 |  |  | 304 |  |  | — |  |  | 304 |  |  | — |  |  | 307 |  |  | 390 |  |  | — |  |  | — |
Construction - commercial and residential |  | 6,115 |  |  | 5,582 |  |  | 533 |  |  | 6,115 |  |  | 350 |  |  | 4,685 |  |  | 3,814 |  |  | 14 |  |  | 14 |
Home equity |  | 594 |  |  | 494 |  |  | 100 |  |  | 594 |  |  | 90 |  |  | 297 |  |  | 198 |  |  | 2 |  |  | 2 |
Other consumer |  | 92 |  |  | — |  |  | 92 |  |  | 92 |  |  | 52 |  |  | 93 |  |  | 104 |  |  | — |  |  | — |
Total | $ | 32,489 |  | $ | 20,345 |  | $ | 9,475 |  | $ | 29,820 |  | $ | 5,925 |  | $ | 26,039 |  | $ | 25,958 |  | $ | 264 |  | $ | 354 |
December 31, 2016 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial | $ | 8,296 |  | $ | 2,532 |  | $ | 3,095 |  | $ | 5,627 |  | $ | 2,671 |  | $ | 12,620 |  | $ | 12,755 |  | $ | 79 |  | $ | 191 |
Income producing - commercial real estate |  | 14,936 |  |  | 5,048 |  |  | 9,888 |  |  | 14,936 |  |  | 1,943 |  |  | 16,742 |  |  | 17,533 |  |  | 54 |  |  | 198 |
Owner occupied - commercial real estate |  | 2,483 |  |  | 1,691 |  |  | 792 |  |  | 2,483 |  |  | 350 |  |  | 2,233 |  |  | 2,106 |  |  | — |  |  | 13 |
Real estate mortgage – residential |  | 555 |  |  | 555 |  |  | — |  |  | 555 |  |  | — |  |  | 246 |  |  | 249 |  |  | — |  |  | — |
Construction - commercial and residential |  | 2,072 |  |  | 1,535 |  |  | 537 |  |  | 2,072 |  |  | 522 |  |  | 5,091 |  |  | 5,174 |  |  | — |  |  | — |
Home equity |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 78 |  |  | 89 |  |  | — |  |  | — |
Other consumer |  | 126 |  |  | — |  |  | 126 |  |  | 126 |  |  | 113 |  |  | 42 |  |  | 32 |  |  | 2 |  |  | 4 |
Total | $ | 28,468 |  | $ | 11,361 |  | $ | 14,438 |  | $ | 25,799 |  | $ | 5,599 |  | $ | 37,052 |  | $ | 37,938 |  | $ | 135 |  | $ | 406 |
June 30, 2016 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial | $ | 17,471 |  | $ | 150 |  | $ | 12,252 |  | $ | 12,402 |  | $ | 2,634 |  | $ | 12,782 |  | $ | 12,747 |  | $ | 42 |  | $ | 58 |
Income producing - commercial real estate |  | 19,778 |  |  | — |  |  | 19,778 |  |  | 19,778 |  |  | 1,697 |  |  | 19,842 |  |  | 15,267 |  |  | 58 |  |  | 116 |
Owner occupied - commercial real estate |  | 1,699 |  |  | — |  |  | 1,699 |  |  | 1,699 |  |  | 450 |  |  | 1,712 |  |  | 1,725 |  |  |  |  |  | — |
Real estate mortgage – residential |  | 254 |  |  | 254 |  |  | — |  |  | 254 |  |  | — |  |  | 256 |  |  | 280 |  |  |  |  |  | — |
Construction - commercial and residential |  | 5,413 |  |  | 4,871 |  |  | 542 |  |  | 5,413 |  |  | 350 |  |  | 5,418 |  |  | 7,096 |  |  |  |  |  | — |
Home equity |  | 121 |  |  | — |  |  | 121 |  |  | 121 |  |  | 88 |  |  | 122 |  |  | 135 |  |  |  |  |  | — |
Other consumer |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 7 |  |  |  |  |  | — |
Total | $ | 44,736 |  | $ | 5,275 |  | $ | 34,392 |  | $ | 39,667 |  | $ | 5,219 |  | $ | 40,132 |  | $ | 37,257 |  | $ | 100 |  | $ | 174 |
Schedule of loans modified in troubled debt restructurings | The following table presents by class, information related to loans modified in a TDR during the three months ended June 30, 2017 and 2016.
|  | For the Three Months Ended June 30, 2017 |
(dollars in thousands) |  | Number of Contracts |  |  | Commercial |  |  | Income Producing - Commercial Real Estate |  |  | Owner Occupied - Commercial Real Estate |  |  | Construction - Commercial Real Estate |  |  | Total |
Troubled debt restructings |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Restructured accruing |  |  | 1 |  |  | $ | — |  |  | $ | 4,815 |  |  | $ | — |  |  | $ | — |  |  | $ | 4,815 |
Restructured non-accruing |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Total |  |  | 1 |  |  | $ | — |  |  | $ | 4,815 |  |  | $ | — |  |  | $ | — |  |  | $ | 4,815 |
Increase in allowance (as of period end) |  |  |  |  |  | $ | 15 |  |  | $ | 800 |  |  | $ | — |  |  | $ | — |  |  | $ | 815 |
Restructured and subsequently defaulted |  |  |  |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |
|  | For the Three Months Ended June 30, 2016 |
(dollars in thousands) |  | Number of Contracts |  |  | Commercial |  |  | Income Producing - Commercial Real Estate |  |  | Owner Occupied - Commercial Real Estate |  |  | Construction - Commercial Real Estate |  |  | Total |
Troubled debt restructings |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Restructured accruing |  |  | 2 |  |  | $ | 590 |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | 590 |
Restructured non-accruing |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Total |  |  | 2 |  |  | $ | 590 |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | 590 |
Increase in allowance (as of period end) |  |  |  |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |
Restructured and subsequently defaulted |  |  |  |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |
The following table presents by class, the recorded investment of loans modified in TDRs held by the Company during the six months ended June 30, 2017 and June 30, 2016.
|  | For the Six Months Ended June 30, 2017 |
(dollars in thousands) |  | Number of Contracts |  |  | Commercial |  |  | Income Producing - Commercial Real Estate |  |  | Owner Occupied - Commercial Real Estate |  |  | Construction - Commercial Real Estate |  |  | Total |
Troubled debt restructings |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Restructured accruing |  |  | 9 |  |  | $ | 3,117 |  |  | $ | 9,212 |  |  | $ | 343 |  |  | $ | — |  |  | $ | 12,672 |
Restructured non-accruing |  |  | 2 |  |  |  | 190 |  |  |  | 696 |  |  |  | — |  |  |  | — |  |  |  | 886 |
Total |  |  | 11 |  |  | $ | 3,307 |  |  | $ | 9,908 |  |  | $ | 343 |  |  | $ | — |  |  | $ | 13,558 |
Specific allowance |  |  |  |  |  | $ | 870 |  |  | $ | 1,900 |  |  | $ | — |  |  | $ | — |  |  | $ | 2,770 |
Restructured and subsequently defaulted |  |  |  |  |  | $ | 237 |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | 237 |
|  | For the Six Months Ended June 30, 2016 |
(dollars in thousands) |  | Number of Contracts |  |  | Commercial |  |  | Income Producing - Commercial Real Estate |  |  | Owner Occupied - Commercial Real Estate |  |  | Construction - Commercial Real Estate |  |  | Total |
Troubled debt restructings |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Restructured accruing |  |  | 8 |  |  | $ | 1,751 |  |  | $ | 5,140 |  |  | $ | 438 |  |  | $ | — |  |  | $ | 7,329 |
Restructured non-accruing |  |  | 2 |  |  |  | 204 |  |  |  | — |  |  |  | — |  |  |  | 4,998 |  |  |  | 5,202 |
Total |  |  | 10 |  |  | $ | 1,955 |  |  | $ | 5,140 |  |  | $ | 438 |  |  | $ | 4,998 |  |  | $ | 12,531 |
Specific allowance |  |  |  |  |  | $ | 49 |  |  | $ | 44 |  |  | $ | — |  |  | $ | — |  |  | $ | 93 |
Restructured and subsequently defaulted |  |  |  |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | 4,998 |  |  | $ | 4,998 |

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