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Loans and Allowance for Credit Losses (Tables) | 9 Months Ended
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Sep. 30, 2018
Receivables [Abstract] |
Schedule of loans, net of unamortized net deferred fees | Loans, net of unamortized net deferred fees, at September 30, 2018 and December 31, 2017 are summarized by type as follows:
|  | September 30, 2018 |  |  | December 31, 2017 |
(dollars in thousands) |  | Amount |  |  | % |  |  | Amount |  |  | % |
Commercial |  | $ | 1,493,577 |  |  |  | 22 | % |  | $ | 1,375,939 |  |  |  | 21 | %
Income producing - commercial real estate |  |  | 3,189,910 |  |  |  | 46 | % |  |  | 3,047,094 |  |  |  | 48 | %
Owner occupied - commercial real estate |  |  | 863,162 |  |  |  | 13 | % |  |  | 755,444 |  |  |  | 12 | %
Real estate mortgage - residential |  |  | 104,864 |  |  |  | 2 | % |  |  | 104,357 |  |  |  | 2 | %
Construction - commercial and residential |  |  | 1,047,591 |  |  |  | 15 | % |  |  | 973,141 |  |  |  | 15 | %
Construction - C&I (owner occupied) |  |  | 56,572 |  |  |  | 1 | % |  |  | 58,691 |  |  |  | 1 | %
Home equity |  |  | 86,525 |  |  |  | 1 | % |  |  | 93,264 |  |  |  | 1 | %
Other consumer |  |  | 2,471 |  |  |  | — |  |  |  | 3,598 |  |  |  | — |
Total loans |  |  | 6,844,672 |  |  |  | 100 | % |  |  | 6,411,528 |  |  |  | 100 | %
Less: allowance for credit losses |  |  | (68,189 | ) |  |  |  |  |  |  | (64,758 | ) |  |  |  |
Net loans |  | $ | 6,776,483 |  |  |  |  |  |  | $ | 6,346,770 |
Schedule of detail activity in the allowance for credit losses by portfolio segment | The following tables detail activity in the allowance for credit losses by portfolio segment for the three and nine months ended September 30, 2018 and 2017.
(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 September 30, 2018 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Allowance for credit losses: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Balance at beginning of period |  | $ | 12,206 |  |  | $ | 27,988 |  |  | $ | 6,003 |  |  | $ | 757 |  |  | $ | 18,651 |  |  | $ | 673 |  |  | $ | 331 |  |  | $ | 66,609 |
Loans charged-off |  |  | (1,174 | ) |  |  | — |  |  |  | — |  |  |  | — |  |  |  | (643 | ) |  |  | — |  |  |  | (15 | ) |  |  | (1,832 | )
Recoveries of loans previously charged-off |  |  | 60 |  |  |  | — |  |  |  | — |  |  |  | 1 |  |  |  | 899 |  |  |  | 6 |  |  |  | 5 |  |  |  | 971 |
Net loans (charged-off) recoveries |  |  | (1,114 | ) |  |  | — |  |  |  | — |  |  |  | 1 |  |  |  | 256 |  |  |  | 6 |  |  |  | (10 | ) |  |  | (861 | )
Provision for credit losses |  |  | 4,557 |  |  |  | (601 | ) |  |  | (72 | ) |  |  | (9 | ) |  |  | (1,368 | ) |  |  | (48 | ) |  |  | (18 | ) |  |  | 2,441 |
Ending balance |  | $ | 15,649 |  |  | $ | 27,387 |  |  | $ | 5,931 |  |  | $ | 749 |  |  | $ | 17,539 |  |  | $ | 631 |  |  | $ | 303 |  |  | $ | 68,189 |
Nine Months Ended September 30, 2018 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Allowance for credit losses: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Balance at beginning of period |  | $ | 13,102 |  |  | $ | 25,376 |  |  | $ | 5,934 |  |  | $ | 944 |  |  | $ | 18,492 |  |  | $ | 770 |  |  | $ | 140 |  |  | $ | 64,758 |
Loans charged-off |  |  | (2,435 | ) |  |  | (121 | ) |  |  | (132 | ) |  |  | — |  |  |  | (1,160 | ) |  |  | — |  |  |  | (15 | ) |  |  | (3,863 | )
Recoveries of loans previously charged-off |  |  | 86 |  |  |  | 2 |  |  |  | 2 |  |  |  | 4 |  |  |  | 994 |  |  |  | 133 |  |  |  | 13 |  |  |  | 1,234 |
Net loans (charged-off) recoveries |  |  | (2,349 | ) |  |  | (119 | ) |  |  | (130 | ) |  |  | 4 |  |  |  | (166 | ) |  |  | 133 |  |  |  | (2 | ) |  |  | (2,629 | )
Provision for credit losses |  |  | 4,896 |  |  |  | 2,130 |  |  |  | 127 |  |  |  | (199 | ) |  |  | (787 | ) |  |  | (272 | ) |  |  | 165 |  |  |  | 6,060 |
Ending balance |  | $ | 15,649 |  |  | $ | 27,387 |  |  | $ | 5,931 |  |  | $ | 749 |  |  | $ | 17,539 |  |  | $ | 631 |  |  | $ | 303 |  |  | $ | 68,189 |
As of September 30, 2018 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Allowance for credit losses: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Individually evaluated for impairment |  | $ | 6,271 |  |  | $ | 3,043 |  |  | $ | 500 |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | 56 |  |  | $ | 9,870 |
Collectively evaluated for impairment |  |  | 9,378 |  |  |  | 24,344 |  |  |  | 5,431 |  |  |  | 749 |  |  |  | 17,539 |  |  |  | 631 |  |  |  | 247 |  |  |  | 58,319 |
Ending balance |  | $ | 15,649 |  |  | $ | 27,387 |  |  | $ | 5,931 |  |  | $ | 749 |  |  | $ | 17,539 |  |  | $ | 631 |  |  | $ | 303 |  |  | $ | 68,189 |
Three Months Ended September 30, 2017 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Allowance for credit losses: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Balance at beginning of period |  | $ | 14,225 |  |  | $ | 23,308 |  |  | $ | 4,189 |  |  | $ | 1,081 |  |  | $ | 16,727 |  |  | $ | 1,216 |  |  | $ | 301 |  |  | $ | 61,047 |
Loans charged-off |  |  | (522 | ) |  |  | — |  |  |  | — |  |  |  | — |  |  |  | (39 | ) |  |  | — |  |  |  | (32 | ) |  |  | (593 | )
Recoveries of loans previously charged-off |  |  | 407 |  |  |  | 30 |  |  |  | — |  |  |  | 2 |  |  |  | 146 |  |  |  | 1 |  |  |  | 6 |  |  |  | 592 |
Net loans (charged-off) recoveries |  |  | (115 | ) |  |  | 30 |  |  |  | — |  |  |  | 2 |  |  |  | 107 |  |  |  | 1 |  |  |  | (26 | ) |  |  | (1 | )
Provision for credit losses |  |  | (2,266 | ) |  |  | (963 | ) |  |  | 1,273 |  |  |  | (126 | ) |  |  | 4,052 |  |  |  | (120 | ) |  |  | 71 |  |  |  | 1,921 |
Ending balance |  | $ | 11,844 |  |  | $ | 22,375 |  |  | $ | 5,462 |  |  | $ | 957 |  |  | $ | 20,886 |  |  | $ | 1,097 |  |  | $ | 346 |  |  | $ | 62,967 |
Nine Months Ended September 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 |  |  | (659 | ) |  |  | (1,470 | ) |  |  | — |  |  |  | — |  |  |  | (39 | ) |  |  | — |  |  |  | (98 | ) |  |  | (2,266 | )
Recoveries of loans previously charged-off |  |  | 675 |  |  |  | 80 |  |  |  | 2 |  |  |  | 5 |  |  |  | 491 |  |  |  | 4 |  |  |  | 18 |  |  |  | 1,275 |
Net loans (charged-off) recoveries |  |  | 16 |  |  |  | (1,390 | ) |  |  | 2 |  |  |  | 5 |  |  |  | 452 |  |  |  | 4 |  |  |  | (80 | ) |  |  | (991 | )
Provision for credit losses |  |  | (2,872 | ) |  |  | 2,660 |  |  |  | 1,450 |  |  |  | (332 | ) |  |  | 3,947 |  |  |  | (235 | ) |  |  | 266 |  |  |  | 4,884 |
Ending balance |  | $ | 11,844 |  |  | $ | 22,375 |  |  | $ | 5,462 |  |  | $ | 957 |  |  | $ | 20,886 |  |  | $ | 1,097 |  |  | $ | 346 |  |  | $ | 62,967 |
As of September 30, 2017 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Allowance for credit losses: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Individually evaluated for impairment |  | $ | 3,246 |  |  | $ | 1,378 |  |  | $ | 1,005 |  |  | $ | — |  |  | $ | 2,900 |  |  | $ | 90 |  |  | $ | 81 |  |  | $ | 8,700 |
Collectively evaluated for impairment |  |  | 8,598 |  |  |  | 20,997 |  |  |  | 4,457 |  |  |  | 957 |  |  |  | 17,986 |  |  |  | 1,007 |  |  |  | 265 |  |  |  | 54,267 |
Ending balance |  | $ | 11,844 |  |  | $ | 22,375 |  |  | $ | 5,462 |  |  | $ | 957 |  |  | $ | 20,886 |  |  | $ | 1,097 |  |  | $ | 346 |  |  | $ | 62,967 |
Schedule of recorded investments in loans related to each balance in the allowance for loan losses by portfolio segment | The Company’s recorded investments in loans as of September 30, 2018 and December 31, 2017 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
September 30, 2018 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Recorded investment in loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Individually evaluated for impairment |  | $ | 27,370 |  |  | $ | 9,404 |  |  | $ | 5,312 |  |  | $ | 1,236 |  |  | $ | 3,030 |  |  | $ | 487 |  |  | $ | 92 |  |  | $ | 46,931 |
Collectively evaluated for impairment |  |  | 1,466,207 |  |  |  | 3,180,506 |  |  |  | 857,850 |  |  |  | 103,628 |  |  |  | 1,101,133 |  |  |  | 86,038 |  |  |  | 2,379 |  |  |  | 6,797,741 |
Ending balance |  | $ | 1,493,577 |  |  | $ | 3,189,910 |  |  | $ | 863,162 |  |  | $ | 104,864 |  |  | $ | 1,104,163 |  |  | $ | 86,525 |  |  | $ | 2,471 |  |  | $ | 6,844,672 |
December 31, 2017 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Recorded investment in loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Individually evaluated for impairment |  | $ | 8,726 |  |  | $ | 10,192 |  |  | $ | 5,501 |  |  | $ | 478 |  |  | $ | 4,709 |  |  | $ | 494 |  |  | $ | 91 |  |  | $ | 30,191 |
Collectively evaluated for impairment |  |  | 1,367,213 |  |  |  | 3,036,902 |  |  |  | 749,943 |  |  |  | 103,879 |  |  |  | 1,027,123 |  |  |  | 92,770 |  |  |  | 3,507 |  |  |  | 6,381,337 |
Ending balance |  | $ | 1,375,939 |  |  | $ | 3,047,094 |  |  | $ | 755,444 |  |  | $ | 104,357 |  |  | $ | 1,031,832 |  |  | $ | 93,264 |  |  | $ | 3,598 |  |  | $ | 6,411,528 |
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 September 30, 2018 and December 31, 2017.
(dollars in thousands) |  | Pass |  |  | Watch and Special Mention |  |  | Substandard |  |  | Doubtful |  |  | Total Loans |
September 30, 2018 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial |  | $ | 1,444,780 |  |  | $ | 21,427 |  |  | $ | 27,370 |  |  | $ | — |  |  | $ | 1,493,577 |
Income producing - commercial real estate |  |  | 3,156,777 |  |  |  | 23,729 |  |  |  | 9,404 |  |  |  | — |  |  |  | 3,189,910 |
Owner occupied - commercial real estate |  |  | 821,647 |  |  |  | 36,203 |  |  |  | 5,312 |  |  |  | — |  |  |  | 863,162 |
Real estate mortgage – residential |  |  | 102,979 |  |  |  | 649 |  |  |  | 1,236 |  |  |  | — |  |  |  | 104,864 |
Construction - commercial and residential |  |  | 1,101,133 |  |  |  | — |  |  |  | 3,030 |  |  |  | — |  |  |  | 1,104,163 |
Home equity |  |  | 85,352 |  |  |  | 686 |  |  |  | 487 |  |  |  | — |  |  |  | 86,525 |
Other consumer |  |  | 2,379 |  |  |  | — |  |  |  | 92 |  |  |  | — |  |  |  | 2,471 |
Total |  | $ | 6,715,047 |  |  | $ | 82,694 |  |  | $ | 46,931 |  |  | $ | — |  |  | $ | 6,844,672 |
December 31, 2017 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial |  | $ | 1,333,050 |  |  | $ | 34,163 |  |  | $ | 8,726 |  |  | $ | — |  |  | $ | 1,375,939 |
Income producing - commercial real estate |  |  | 3,033,046 |  |  |  | 3,856 |  |  |  | 10,192 |  |  |  | — |  |  |  | 3,047,094 |
Owner occupied - commercial real estate |  |  | 696,754 |  |  |  | 53,189 |  |  |  | 5,501 |  |  |  | — |  |  |  | 755,444 |
Real estate mortgage – residential |  |  | 103,220 |  |  |  | 659 |  |  |  | 478 |  |  |  | — |  |  |  | 104,357 |
Construction - commercial and residential |  |  | 1,027,123 |  |  |  | — |  |  |  | 4,709 |  |  |  | — |  |  |  | 1,031,832 |
Home equity |  |  | 92,084 |  |  |  | 686 |  |  |  | 494 |  |  |  | — |  |  |  | 93,264 |
Other consumer |  |  | 3,505 |  |  |  | 2 |  |  |  | 91 |  |  |  | — |  |  |  | 3,598 |
Total |  | $ | 6,288,782 |  |  | $ | 92,555 |  |  | $ | 30,191 |  |  | $ | — |  |  | $ | 6,411,528 |
Schedule of information related to nonaccrual loans by class | The following table presents, by class of loan, information related to nonaccrual loans as of September 30, 2018 and December 31, 2017.
(dollars in thousands) |  | September 30, 2018 |  |  | December 31, 2017 |
Commercial |  | $ | 7,529 |  |  | $ | 3,493 |
Income producing - commercial real estate |  |  | 48 |  |  |  | 832 |
Owner occupied - commercial real estate |  |  | 2,370 |  |  |  | 5,501 |
Real estate mortgage - residential |  |  | 1,522 |  |  |  | 775 |
Construction - commercial and residential |  |  | 3,030 |  |  |  | 2,052 |
Home equity |  |  | 487 |  |  |  | 494 |
Other consumer |  |  | 91 |  |  |  | 91 |
Total nonaccrual loans (1)(2) |  | $ | 15,077 |  |  | $ | 13,238 |
| (1) | Excludes troubled debt restructurings (“TDRs”) that were performing under their restructured terms totaling $17.5 million at September 30, 2018 and $12.3 million at December 31, 2017.
| (2) | Gross interest income of $707 thousand and $802 thousand would have been recorded for the nine months ended September 30, 2018 and 2017, respectively, if nonaccrual loans shown above had been current and in accordance with their original terms, while the interest actually recorded on such loans was $193 thousand and $56 thousand for the nine months ended September 30, 2018 and 2017, respectively. See Note 1 to the Consolidated Financial Statements for a description of the Company’s policy for placing loans on nonaccrual status.
Schedule by class of loan, an aging analysis and the recorded investments in loans past due | The following table presents, by class of loan, an aging analysis and the recorded investments in loans past due as of September 30, 2018 and December 31, 2017.
|  | Loans |  |  | Loans |  |  | Loans |  |  |  |  |  |  |  |  | Total Recorded |
|  | 30-59 Days |  |  | 60-89 Days |  |  | 90 Days or |  |  | Total Past |  |  | Current |  |  | Investment in |
(dollars in thousands) |  | Past Due |  |  | Past Due |  |  | More Past Due |  |  | Due Loans |  |  | Loans |  |  | Loans |
September 30, 2018 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial |  | $ | 4,297 |  |  | $ | 1,247 |  |  | $ | 7,529 |  |  | $ | 13,073 |  |  | $ | 1,480,504 |  |  | $ | 1,493,577 |
Income producing - commercial real estate |  |  | 763 |  |  |  | 398 |  |  |  | 48 |  |  |  | 1,209 |  |  |  | 3,188,701 |  |  |  | 3,189,910 |
Owner occupied - commercial real estate |  |  | 4,500 |  |  |  | 4,806 |  |  |  | 2,370 |  |  |  | 11,676 |  |  |  | 851,486 |  |  |  | 863,162 |
Real estate mortgage – residential |  |  | — |  |  |  | — |  |  |  | 1,522 |  |  |  | 1,522 |  |  |  | 103,342 |  |  |  | 104,864 |
Construction - commercial and residential |  |  | 21,947 |  |  |  | 1,849 |  |  |  | 3,030 |  |  |  | 26,826 |  |  |  | 1,077,337 |  |  |  | 1,104,163 |
Home equity |  |  | 326 |  |  |  | — |  |  |  | 487 |  |  |  | 813 |  |  |  | 85,712 |  |  |  | 86,525 |
Other consumer |  |  | 4 |  |  |  | — |  |  |  | 91 |  |  |  | 95 |  |  |  | 2,376 |  |  |  | 2,471 |
Total |  | $ | 31,837 |  |  | $ | 8,300 |  |  | $ | 15,077 |  |  | $ | 55,214 |  |  | $ | 6,789,458 |  |  | $ | 6,844,672 |
December 31, 2017 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial |  | $ | 2,705 |  |  | $ | 748 |  |  | $ | 3,493 |  |  | $ | 6,946 |  |  | $ | 1,368,993 |  |  | $ | 1,375,939 |
Income producing - commercial real estate |  |  | 4,398 |  |  |  | 6,930 |  |  |  | 832 |  |  |  | 12,160 |  |  |  | 3,034,934 |  |  |  | 3,047,094 |
Owner occupied - commercial real estate |  |  | 522 |  |  |  | 3,906 |  |  |  | 5,501 |  |  |  | 9,929 |  |  |  | 745,515 |  |  |  | 755,444 |
Real estate mortgage – residential |  |  | 6,993 |  |  |  | 1,244 |  |  |  | 775 |  |  |  | 9,012 |  |  |  | 95,345 |  |  |  | 104,357 |
Construction - commercial and residential |  |  | — |  |  |  | 5,268 |  |  |  | 2,052 |  |  |  | 7,320 |  |  |  | 1,024,512 |  |  |  | 1,031,832 |
Home equity |  |  | 307 |  |  |  | — |  |  |  | 494 |  |  |  | 801 |  |  |  | 92,463 |  |  |  | 93,264 |
Other consumer |  |  | 45 |  |  |  | 6 |  |  |  | 91 |  |  |  | 142 |  |  |  | 3,456 |  |  |  | 3,598 |
Total |  | $ | 14,970 |  |  | $ | 18,102 |  |  | $ | 13,238 |  |  | $ | 46,310 |  |  | $ | 6,365,218 |  |  | $ | 6,411,528 |
Schedule of impaired loans, by class of loan | The following table presents, by class of loan, information related to impaired loans for the periods ended September 30, 2018 and December 31, 2017.
|  | Unpaid |  |  | Recorded |  |  | Recorded |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
|  | Contractual |  |  | Investment |  |  | Investment |  |  | Total |  |  |  |  |  | Average Recorded Investment |  |  | Interest Income Recognized |
|  | Principal |  |  | With No |  |  | With |  |  | Recorded |  |  | Related |  |  | Quarter |  |  | Year |  |  | Quarter |  |  | Year |
(dollars in thousands) |  | Balance |  |  | Allowance |  |  | Allowance |  |  | Investment |  |  | Allowance |  |  | To Date |  |  | To Date |  |  | To Date |  |  | To Date |
September 30, 2018 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial |  | $ | 12,943 |  |  | $ | — |  |  | $ | 12,471 |  |  | $ | 12,471 |  |  | $ | 6,271 |  |  | $ | 10,234 |  |  | $ | 8,431 |  |  | $ | 277 |  |  | $ | 316 |
Income producing - commercial real estate |  |  | 9,260 |  |  |  | — |  |  |  | 9,260 |  |  |  | 9,260 |  |  |  | 3,043 |  |  |  | 9,292 |  |  |  | 9,277 |  |  |  | 120 |  |  |  | 361 |
Owner occupied - commercial real estate |  |  | 5,761 |  |  |  | 449 |  |  |  | 5,312 |  |  |  | 5,761 |  |  |  | 500 |  |  |  | 5,940 |  |  |  | 6,104 |  |  |  | 125 |  |  |  | 149 |
Real estate mortgage – residential |  |  | 1,522 |  |  |  | 1,522 |  |  |  | — |  |  |  | 1,522 |  |  |  | — |  |  |  | 1,749 |  |  |  | 1,747 |  |  |  | — |  |  |  | 2 |
Construction - commercial and residential |  |  | 3,030 |  |  |  | 3,030 |  |  |  | — |  |  |  | 3,030 |  |  |  | — |  |  |  | 1,515 |  |  |  | 1,694 |  |  |  | 68 |  |  |  | 68 |
Home equity |  |  | 487 |  |  |  | 487 |  |  |  | — |  |  |  | 487 |  |  |  | — |  |  |  | 491 |  |  |  | 492 |  |  |  | — |  |  |  | — |
Other consumer |  |  | 92 |  |  |  | — |  |  |  | 92 |  |  |  | 92 |  |  |  | 56 |  |  |  | 92 |  |  |  | 91 |  |  |  | — |  |  |  | — |
Total |  | $ | 33,095 |  |  | $ | 5,488 |  |  | $ | 27,135 |  |  | $ | 32,623 |  |  | $ | 9,870 |  |  | $ | 29,313 |  |  | $ | 27,836 |  |  | $ | 590 |  |  | $ | 896 |
December 31, 2017 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial |  | $ | 5,644 |  |  | $ | 1,777 |  |  | $ | 3,748 |  |  | $ | 5,525 |  |  | $ | 3,259 |  |  | $ | 5,764 |  |  | $ | 5,765 |  |  | $ | 48 |  |  | $ | 145 |
Income producing - commercial real estate |  |  | 10,044 |  |  |  | 781 |  |  |  | 9,263 |  |  |  | 10,044 |  |  |  | 2,380 |  |  |  | 10,068 |  |  |  | 10,127 |  |  |  | 120 |  |  |  | 493 |
Owner occupied - commercial real estate |  |  | 6,596 |  |  |  | 1,095 |  |  |  | 5,501 |  |  |  | 6,596 |  |  |  | 1,382 |  |  |  | 6,743 |  |  |  | 5,210 |  |  |  | 27 |  |  |  | 73 |
Real estate mortgage – residential |  |  | 775 |  |  |  | 775 |  |  |  | — |  |  |  | 775 |  |  |  | — |  |  |  | 538 |  |  |  | 423 |  |  |  | 17 |  |  |  | 17 |
Construction - commercial and residential |  |  | 2,052 |  |  |  | 1,534 |  |  |  | 518 |  |  |  | 2,052 |  |  |  | 500 |  |  |  | 3,491 |  |  |  | 3,731 |  |  |  | (14 | ) |  |  | — |
Home equity |  |  | 494 |  |  |  | 494 |  |  |  | — |  |  |  | 494 |  |  |  | — |  |  |  | 544 |  |  |  | 346 |  |  |  | — |  |  |  | 2 |
Other consumer |  |  | 91 |  |  |  | — |  |  |  | 91 |  |  |  | 91 |  |  |  | 80 |  |  |  | 92 |  |  |  | 93 |  |  |  | — |  |  |  | — |
Total |  | $ | 25,696 |  |  | $ | 6,456 |  |  | $ | 19,121 |  |  | $ | 25,577 |  |  | $ | 7,601 |  |  | $ | 27,240 |  |  | $ | 25,695 |  |  | $ | 198 |  |  | $ | 730 |
Schedule of loans modified in troubled debt restructurings | The following table presents by class, the recorded investment of loans modified in TDRs held by the Company for the periods ended September 30, 2018 and December 31, 2017.
|  | For the Nine Months Ended September 30, 2018 |
|  |  |  |  |  |  |  | Income Producing - |  |  | Owner Occupied - |  |  | Construction - |  |  |  |
(dollars in thousands) |  | Number of Contracts |  |  | Commercial |  |  | Commercial Real Estate |  |  | Commercial Real Estate |  |  | Commercial Real Estate |  |  | Total |
Troubled debt restructurings |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Restructured accruing |  |  | 10 |  |  | $ | 4,942 |  |  | $ | 9,212 |  |  | $ | 3,391 |  |  | $ | — |  |  | $ | 17,545 |
Restructured nonaccruing |  |  | 4 |  |  |  | 723 |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 723 |
Total |  |  | 14 |  |  | $ | 5,665 |  |  | $ | 9,212 |  |  | $ | 3,391 |  |  | $ | — |  |  | $ | 18,268 |
Specific allowance |  |  |  |  |  | $ | 2,000 |  |  | $ | 3,500 |  |  | $ | — |  |  | $ | — |  |  | $ | 5,500 |
Restructured and subsequently defaulted |  |  |  |  |  | $ | — |  |  | $ | 937 |  |  | $ | — |  |  | $ | — |  |  | $ | 937 |
|  | For the Year Ended December 31, 2017 |
|  |  |  |  |  |  |  | Income Producing - |  |  | Owner Occupied - |  |  | Construction - |  |  |  |
(dollars in thousands) |  | Number of Contracts |  |  | Commercial |  |  | Commercial Real Estate |  |  | Commercial Real Estate |  |  | Commercial Real Estate |  |  | Total |
Troubled debt restructings |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Restructured accruing |  |  | 9 |  |  | $ | 2,032 |  |  | $ | 9,212 |  |  | $ | 1,095 |  |  | $ | — |  |  | $ | 12,339 |
Restructured nonaccruing |  |  | 5 |  |  |  | 867 |  |  |  | 121 |  |  |  | — |  |  |  | — |  |  |  | 988 |
Total |  |  | 14 |  |  | $ | 2,899 |  |  | $ | 9,333 |  |  | $ | 1,095 |  |  | $ | — |  |  | $ | 13,327 |
Specific allowance |  |  |  |  |  | $ | 595 |  |  | $ | 2,350 |  |  | $ | — |  |  | $ | — |  |  | $ | 2,945 |
Restructured and subsequently defaulted |  |  |  |  |  | $ | 237 |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | 237 |

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