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Loans and Allowance for Credit Losses (Tables) | 6 Months Ended
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Jun. 30, 2019
Receivables [Abstract] |
Schedule of loans, net of unamortized net deferred fees | Loans, net of unamortized net deferred fees, at June 30, 2019 and December 31, 2018 are summarized by type as follows:
|  | June 30, 2019 |  |  | December 31, 2018 |
(dollars in thousands) |  | Amount |  |  | % |  |  | Amount |  |  | % |
Commercial |  | $ | 1,475,201 |  |  |  | 20 | % |  | $ | 1,553,112 |  |  |  | 22 | %
Income producing - commercial real estate |  |  | 3,666,815 |  |  |  | 50 | % |  |  | 3,256,900 |  |  |  | 46 | %
Owner occupied - commercial real estate |  |  | 970,850 |  |  |  | 13 | % |  |  | 887,814 |  |  |  | 13 | %
Real estate mortgage - residential |  |  | 105,191 |  |  |  | 1 | % |  |  | 106,418 |  |  |  | 2 | %
Construction - commercial and residential |  |  | 1,012,789 |  |  |  | 14 | % |  |  | 1,039,815 |  |  |  | 15 | %
Construction - C&I (owner occupied) |  |  | 76,324 |  |  |  | 1 | % |  |  | 57,797 |  |  |  | 1 | %
Home equity |  |  | 83,447 |  |  |  | 1 | % |  |  | 86,603 |  |  |  | 1 | %
Other consumer |  |  | 1,998 |  |  |  | — |  |  |  | 2,988 |  |  |  | — |
Total loans |  |  | 7,392,615 |  |  |  | 100 | % |  |  | 6,991,447 |  |  |  | 100 | %
Less: allowance for credit losses |  |  | (72,086 | ) |  |  |  |  |  |  | (69,944 | ) |  |  |  |
Net loans |  | $ | 7,320,529 |  |  |  |  |  |  | $ | 6,921,503 |  |  |  |  |
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 six months ended June 30, 2019 and 2018. Allocation of a portion of the allowance to one category of loans does not preclude its availability to absorb losses in other categories.
|  |  |  |  | Income Producing - Commercial |  |  | Owner Occupied - Commercial |  |  | Real Estate Mortgage - |  |  | Construction - Commercial and |  |  | Home |  |  | Other |  |  |  |
(dollars in thousands) |  | Commercial |  |  | Real Estate |  |  | Real Estate |  |  | Residential |  |  | Residential |  |  | Equity |  |  | Consumer |  |  | Total |
ThreeMonths Ended June 30, 2019 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Allowance for credit losses: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Balance at beginning of period |  | $ | 17,195 |  |  | $ | 26,765 |  |  | $ | 5,980 |  |  | $ | 681 |  |  | $ | 18,469 |  |  | $ | 605 |  |  | $ | 248 |  |  | $ | 69,943 |
Loans charged-off |  |  | (1 | ) |  |  | (1,847 | ) |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | (2 | ) |  |  | (1,850 | )
Recoveries of loans previously charged-off |  |  | 37 |  |  |  | 302 |  |  |  | 2 |  |  |  | 2 |  |  |  | 37 |  |  |  | — |  |  |  | 13 |  |  |  | 393 |
Net loans charged-off |  |  | 36 |  |  |  | (1,545 | ) |  |  | 2 |  |  |  | 2 |  |  |  | 37 |  |  |  | — |  |  |  | 11 |  |  |  | (1,457 | )
Provision for credit losses |  |  | 905 |  |  |  | 1,790 |  |  |  | (226 | ) |  |  | 672 |  |  |  | 500 |  |  |  | (24 | ) |  |  | (17 | ) |  |  | 3,600 |
Ending balance |  | $ | 18,136 |  |  | $ | 27,010 |  |  | $ | 5,756 |  |  | $ | 1,355 |  |  | $ | 19,006 |  |  | $ | 581 |  |  | $ | 242 |  |  | $ | 72,086 |
SixMonths Ended June 30, 2019 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Allowance for credit losses: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Balance at beginning of period |  | $ | 15,857 |  |  | $ | 28,034 |  |  | $ | 6,242 |  |  | $ | 965 |  |  | $ | 18,175 |  |  | $ | 599 |  |  | $ | 72 |  |  | $ | 69,944 |
Loans charged-off |  |  | (5 | ) |  |  | (5,343 | ) |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | (2 | ) |  |  | (5,350 | )
Recoveries of loans previously charged-off |  |  | 167 |  |  |  | 302 |  |  |  | 2 |  |  |  | 3 |  |  |  | 37 |  |  |  | — |  |  |  | 21 |  |  |  | 532 |
Net loans (charged-off) recoveries |  |  | 162 |  |  |  | (5,041 | ) |  |  | 2 |  |  |  | 3 |  |  |  | 37 |  |  |  | — |  |  |  | 19 |  |  |  | (4,818 | )
Provision for credit losses |  |  | 2,117 |  |  |  | 4,017 |  |  |  | (488 | ) |  |  | 387 |  |  |  | 794 |  |  |  | (18 | ) |  |  | 151 |  |  |  | 6,960 |
Ending balance |  | $ | 18,136 |  |  | $ | 27,010 |  |  | $ | 5,756 |  |  | $ | 1,355 |  |  | $ | 19,006 |  |  | $ | 581 |  |  | $ | 242 |  |  | $ | 72,086 |
As of June 30, 2019 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Allowance for credit losses: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Individually evaluated for impairment |  | $ | 7,905 |  |  | $ | 1,000 |  |  | $ | 475 |  |  | $ | 650 |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | 10,030 |
Collectively evaluated for impairment |  |  | 10,231 |  |  |  | 26,010 |  |  |  | 5,281 |  |  |  | 705 |  |  |  | 19,006 |  |  |  | 581 |  |  |  | 242 |  |  |  | 62,056 |
Ending balance |  | $ | 18,136 |  |  | $ | 27,010 |  |  | $ | 5,756 |  |  | $ | 1,355 |  |  | $ | 19,006 |  |  | $ | 581 |  |  | $ | 242 |  |  | $ | 72,086 |
ThreeMonths Ended June 30, 2018 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Allowance for credit losses: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Balance at beginning of period |  | $ | 13,358 |  |  | $ | 26,468 |  |  | $ | 5,471 |  |  | $ | 734 |  |  | $ | 18,742 |  |  | $ | 699 |  |  | $ | 335 |  |  | $ | 65,807 |
Loans charged-off |  |  | (408 | ) |  |  | — |  |  |  | — |  |  |  | — |  |  |  | (517 | ) |  |  | — |  |  |  | — |  |  |  | (925 | )
Recoveries of loans previously charged-off |  |  | 23 |  |  |  | 2 |  |  |  | 1 |  |  |  | 1 |  |  |  | 35 |  |  |  | 10 |  |  |  | 5 |  |  |  | 77 |
Net loans (charged-off) recoveries |  |  | (385 | ) |  |  | 2 |  |  |  | 1 |  |  |  | 1 |  |  |  | (482 | ) |  |  | 10 |  |  |  | 5 |  |  |  | (848 | )
Provision for credit losses |  |  | (767 | ) |  |  | 1,518 |  |  |  | 531 |  |  |  | 22 |  |  |  | 391 |  |  |  | (36 | ) |  |  | (9 | ) |  |  | 1,650 |
Ending balance |  | $ | 12,206 |  |  | $ | 27,988 |  |  | $ | 6,003 |  |  | $ | 757 |  |  | $ | 18,651 |  |  | $ | 673 |  |  | $ | 331 |  |  | $ | 66,609 |
SixMonths Ended June 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 |  |  | (1,261 | ) |  |  | (121 | ) |  |  | (132 | ) |  |  | — |  |  |  | (517 | ) |  |  | — |  |  |  | — |  |  |  | (2,031 | )
Recoveries of loans previously charged-off |  |  | 26 |  |  |  | 2 |  |  |  | 2 |  |  |  | 3 |  |  |  | 95 |  |  |  | 127 |  |  |  | 8 |  |  |  | 263 |
Net loans (charged-off) recoveries |  |  | (1,235 | ) |  |  | (119 | ) |  |  | (130 | ) |  |  | 3 |  |  |  | (422 | ) |  |  | 127 |  |  |  | 8 |  |  |  | (1,768 | )
Provision for credit losses |  |  | 339 |  |  |  | 2,731 |  |  |  | 199 |  |  |  | (190 | ) |  |  | 581 |  |  |  | (224 | ) |  |  | 183 |  |  |  | 3,619 |
Ending balance |  | $ | 12,206 |  |  | $ | 27,988 |  |  | $ | 6,003 |  |  | $ | 757 |  |  | $ | 18,651 |  |  | $ | 673 |  |  | $ | 331 |  |  | $ | 66,609 |
As of June 30, 2018 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Allowance for credit losses: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Individually evaluated for impairment |  | $ | 4,506 |  |  | $ | 3,543 |  |  | $ | 500 |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | 80 |  |  | $ | 8,629 |
Collectively evaluated for impairment |  |  | 7,700 |  |  |  | 24,445 |  |  |  | 5,503 |  |  |  | 757 |  |  |  | 18,651 |  |  |  | 673 |  |  |  | 251 |  |  |  | 57,980 |
Ending balance |  | $ | 12,206 |  |  | $ | 27,988 |  |  | $ | 6,003 |  |  | $ | 757 |  |  | $ | 18,651 |  |  | $ | 673 |  |  | $ | 331 |  |  | $ | 66,609 |
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 June 30, 2019 and December 31, 2018 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:
|  |  |  |  | Income Producing - |  |  | Owner Occupied - |  |  | Real Estate |  |  | Construction - |  |  |  |  |  |  |  |  |  |
|  |  |  |  | Commercial |  |  | Commercial |  |  | Mortgage - |  |  | Commercial and |  |  | Home |  |  | Other |  |  |  |
(dollars in thousands) |  | Commercial |  |  | Real Estate |  |  | Real Estate |  |  | Residential |  |  | Residential |  |  | Equity |  |  | Consumer |  |  | Total |
June 30, 2019 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Recorded investment in loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Individually evaluated for impairment |  | $ | 26,980 |  |  | $ | 37,900 |  |  | $ | 3,879 |  |  | $ | 5,367 |  |  | $ | 9,155 |  |  | $ | 487 |  |  | $ | — |  |  | $ | 83,768 |
Collectively evaluated for impairment |  |  | 1,448,221 |  |  |  | 3,628,915 |  |  |  | 966,971 |  |  |  | 99,824 |  |  |  | 1,079,958 |  |  |  | 82,960 |  |  |  | 1,998 |  |  |  | 7,308,847 |
Ending balance |  | $ | 1,475,201 |  |  | $ | 3,666,815 |  |  | $ | 970,850 |  |  | $ | 105,191 |  |  | $ | 1,089,113 |  |  | $ | 83,447 |  |  | $ | 1,998 |  |  | $ | 7,392,615 |
December 31, 2018 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Recorded investment in loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Individually evaluated for impairment |  | $ | 8,738 |  |  | $ | 61,747 |  |  | $ | 5,307 |  |  | $ | 1,228 |  |  | $ | 7,012 |  |  | $ | 487 |  |  | $ | — |  |  | $ | 84,519 |
Collectively evaluated for impairment |  |  | 1,544,374 |  |  |  | 3,195,153 |  |  |  | 882,507 |  |  |  | 105,190 |  |  |  | 1,090,600 |  |  |  | 86,116 |  |  |  | 2,988 |  |  |  | 6,906,928 |
Ending balance |  | $ | 1,553,112 |  |  | $ | 3,256,900 |  |  | $ | 887,814 |  |  | $ | 106,418 |  |  | $ | 1,097,612 |  |  | $ | 86,603 |  |  | $ | 2,988 |  |  | $ | 6,991,447 |
Schedule of loans by class and credit quality indicators |
|  |  |  |  | Watch and |  |  |  |  |  |  |  |  | Total |
(dollars in thousands) |  | Pass |  |  | Special Mention |  |  | Substandard |  |  | Doubtful |  |  | Loans |
June 30, 2019 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial |  | $ | 1,398,098 |  |  | $ | 50,123 |  |  | $ | 26,980 |  |  | $ | — |  |  | $ | 1,475,201 |
Income producing - commercial real estate |  |  | 3,611,968 |  |  |  | 16,947 |  |  |  | 37,900 |  |  |  | — |  |  |  | 3,666,815 |
Owner occupied - commercial real estate |  |  | 924,643 |  |  |  | 42,328 |  |  |  | 3,879 |  |  |  | — |  |  |  | 970,850 |
Real estate mortgage – residential |  |  | 99,188 |  |  |  | 636 |  |  |  | 5,367 |  |  |  | — |  |  |  | 105,191 |
Construction - commercial and residential |  |  | 1,079,958 |  |  |  | — |  |  |  | 9,155 |  |  |  | — |  |  |  | 1,089,113 |
Home equity |  |  | 82,274 |  |  |  | 686 |  |  |  | 487 |  |  |  | — |  |  |  | 83,447 |
Other consumer |  |  | 1,998 |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 1,998 |
Total |  | $ | 7,198,127 |  |  | $ | 110,720 |  |  | $ | 83,768 |  |  | $ | — |  |  | $ | 7,392,615 |
December 31, 2018 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial |  | $ | 1,505,477 |  |  | $ | 25,584 |  |  | $ | 22,051 |  |  | $ | — |  |  | $ | 1,553,112 |
Income producing - commercial real estate |  |  | 3,172,479 |  |  |  | 1,536 |  |  |  | 82,885 |  |  |  | — |  |  |  | 3,256,900 |
Owner occupied - commercial real estate |  |  | 844,286 |  |  |  | 38,221 |  |  |  | 5,307 |  |  |  | — |  |  |  | 887,814 |
Real estate mortgage – residential |  |  | 104,543 |  |  |  | 647 |  |  |  | 1,228 |  |  |  | — |  |  |  | 106,418 |
Construction - commercial and residential |  |  | 1,090,600 |  |  |  | — |  |  |  | 7,012 |  |  |  | — |  |  |  | 1,097,612 |
Home equity |  |  | 85,434 |  |  |  | 682 |  |  |  | 487 |  |  |  | — |  |  |  | 86,603 |
Other consumer |  |  | 2,988 |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 2,988 |
Total |  | $ | 6,805,807 |  |  | $ | 66,670 |  |  | $ | 118,970 |  |  | $ | — |  |  | $ | 6,991,447 |
Schedule of information related to nonaccrual loans by class | The following table presents, by class of loan, information related to nonaccrual loans as of June 30, 2019 and December 31, 2018.
(dollars in thousands) |  | June 30, 2019 |  |  | December 31, 2018 |
Commercial |  | $ | 16,053 |  |  | $ | 7,115 |
Income producing - commercial real estate |  |  | 4,563 |  |  |  | 1,766 |
Owner occupied - commercial real estate |  |  | 1,510 |  |  |  | 2,368 |
Real estate mortgage - residential |  |  | 5,640 |  |  |  | 1,510 |
Construction - commercial and residential |  |  | 9,155 |  |  |  | 3,031 |
Home equity |  |  | 487 |  |  |  | 487 |
Total nonaccrual loans ( 1)( 2) |  | $ | 37,408 |  |  | $ | 16,277 |
| ( 1) | Excludes troubled debt restructurings (“TDRs”) that were performing under their restructured terms totaling $8.6 million at June 30, 2019 and $24.0 million at December 31, 2018.
| ( 2) | Gross interest income of $1.2 million and $321 thousand would have been recorded for thesixmonths ended June 30, 2019 and 2018, 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 $86 thousand and $6 thousand for thesixmonths ended June 30, 2019 and 2018, respectively. See Note 1 to the Consolidated Financial Statements for a description of the Company’s policy for placing loans on nonaccrual status.
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 June 30, 2019 and December 31, 2018.
|  | 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 |
June 30, 2019 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial |  | $ | 17,434 |  |  | $ | 5,003 |  |  | $ | 11,959 |  |  | $ | 16,962 |  |  | $ | 7,905 |  |  | $ | 14,972 |  |  | $ | 12,695 |  |  | $ | 84 |  |  | $ | 103 |
Income producing - commercial real estate |  |  | 8,953 |  |  |  | 4,563 |  |  |  | 4,390 |  |  |  | 8,953 |  |  |  | 1,000 |  |  |  | 24,198 |  |  |  | 23,266 |  |  |  | (165 | ) |  |  | 98 |
Owner occupied - commercial real estate |  |  | 4,819 |  |  |  | 3,449 |  |  |  | 1,370 |  |  |  | 4,819 |  |  |  | 475 |  |  |  | 4,836 |  |  |  | 5,134 |  |  |  | 47 |  |  |  | 93 |
Real estate mortgage – residential |  |  | 5,640 |  |  |  | 3,184 |  |  |  | 2,456 |  |  |  | 5,640 |  |  |  | 650 |  |  |  | 5,642 |  |  |  | 4,265 |  |  |  | — |  |  |  | — |
Construction - commercial and residential |  |  | 10,315 |  |  |  | 9,155 |  |  |  | — |  |  |  | 9,155 |  |  |  | — |  |  |  | 6,093 |  |  |  | 5,072 |  |  |  | 15 |  |  |  | 15 |
Home equity |  |  | 487 |  |  |  | 487 |  |  |  | — |  |  |  | 487 |  |  |  | — |  |  |  | 487 |  |  |  | 487 |  |  |  | — |  |  |  | — |
Other consumer |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Total |  | $ | 47,648 |  |  | $ | 25,841 |  |  | $ | 20,175 |  |  | $ | 46,016 |  |  | $ | 10,030 |  |  | $ | 56,228 |  |  | $ | 50,919 |  |  | $ | (19 | ) |  | $ | 309 |
December 31, 2018 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial |  | $ | 8,613 |  |  | $ | 2,057 |  |  | $ | 6,084 |  |  | $ | 8,141 |  |  | $ | 4,803 |  |  | $ | 10,306 |  |  | $ | 8,359 |  |  | $ | (126 | ) |  | $ | 190 |
Income producing - commercial real estate |  |  | 21,402 |  |  |  | 1,720 |  |  |  | 19,682 |  |  |  | 21,402 |  |  |  | 2,465 |  |  |  | 15,331 |  |  |  | 12,309 |  |  |  | 189 |  |  |  | 550 |
Owner occupied - commercial real estate |  |  | 5,731 |  |  |  | 4,361 |  |  |  | 1,370 |  |  |  | 5,731 |  |  |  | 600 |  |  |  | 5,746 |  |  |  | 6,011 |  |  |  | 47 |  |  |  | 196 |
Real estate mortgage – residential |  |  | 1,510 |  |  |  | 1,510 |  |  |  | — |  |  |  | 1,510 |  |  |  | — |  |  |  | 1,516 |  |  |  | 1,688 |  |  |  | — |  |  |  | 2 |
Construction - commercial and residential |  |  | 3,031 |  |  |  | 3,031 |  |  |  | — |  |  |  | 3,031 |  |  |  | 1,050 |  |  |  | 3,031 |  |  |  | 2,028 |  |  |  | — |  |  |  | 68 |
Home equity |  |  | 487 |  |  |  | 487 |  |  |  | — |  |  |  | 487 |  |  |  | — |  |  |  | 487 |  |  |  | 491 |  |  |  | — |  |  |  | — |
Other consumer |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 46 |  |  |  | 69 |  |  |  | — |  |  |  | — |
Total |  | $ | 40,774 |  |  | $ | 13,166 |  |  | $ | 27,136 |  |  | $ | 40,302 |  |  | $ | 8,918 |  |  | $ | 36,463 |  |  | $ | 30,955 |  |  | $ | 110 |  |  | $ | 1,006 |
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 June 30, 2019 and 2018.
|  | For theSixMonths Ended June 30, 2019 |
|  | Number of |  |  |  |  |  | Income Producing - |  |  | Owner Occupied - |  |  | Construction - |  |  |  |
(dollars in thousands) |  | Contracts |  |  | Commercial |  |  | Commercial Real Estate |  |  | Commercial Real Estate |  |  | Commercial Real Estate |  |  | Total |
Troubled debt restructurings |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Restructured accruing |  |  | 7 |  |  | $ | 909 |  |  | $ | 4,390 |  |  | $ | 3,309 |  |  | $ | — |  |  | $ | 8,608 |
Restructured nonaccruing |  |  | 4 |  |  |  | 2,831 |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 2,831 |
Total |  |  | 11 |  |  | $ | 3,740 |  |  | $ | 4,390 |  |  | $ | 3,309 |  |  | $ | — |  |  | $ | 11,439 |
Specific allowance |  |  |  |  |  | $ | — |  |  | $ | 1,000 |  |  | $ | — |  |  | $ | — |  |  | $ | 1,000 |
Restructured and subsequently defaulted |  |  |  |  |  | $ |  |  |  | $ | 2,300 |  |  | $ | — |  |  | $ | — |  |  | $ | 1,847 |
|  | For theSixMonths Ended June 30, 2018 |
|  | Number of |  |  |  |  |  | Income Producing - |  |  | Owner Occupied - |  |  | Construction - |  |  |  |
(dollars in thousands) |  | Contracts |  |  | Commercial |  |  | Commercial Real Estate |  |  | Commercial Real Estate |  |  | Commercial Real Estate |  |  | Total |
Troubled debt restructings |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Restructured accruing |  |  | 9 |  |  | $ | 4,938 |  |  | $ | 9,138 |  |  | $ | 1,047 |  |  | $ | — |  |  | $ | 15,123 |
Restructured nonaccruing |  |  | 4 |  |  |  | 1,211 |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 1,211 |
Total |  |  | 13 |  |  | $ | 6,149 |  |  | $ | 9,138 |  |  | $ | 1,047 |  |  | $ | — |  |  | $ | 16,334 |
Specific allowance |  |  |  |  |  | $ | 2,000 |  |  | $ | 3,500 |  |  | $ | — |  |  | $ | — |  |  | $ | 5,500 |
Restructured and subsequently defaulted |  |  |  |  |  | $ | — |  |  | $ | 937 |  |  | $ | — |  |  | $ | — |  |  | $ | 937 |
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 six months ended June 30, 2019 and 2018. Allocation of a portion of the allowance to one category of loans does not preclude its availability to absorb losses in other categories.
|  |  |  |  | Income Producing - Commercial |  |  | Owner Occupied - Commercial |  |  | Real Estate Mortgage - |  |  | Construction - Commercial and |  |  | Home |  |  | Other |  |  |  |
(dollars in thousands) |  | Commercial |  |  | Real Estate |  |  | Real Estate |  |  | Residential |  |  | Residential |  |  | Equity |  |  | Consumer |  |  | Total |
ThreeMonths Ended June 30, 2019 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Allowance for credit losses: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Balance at beginning of period |  | $ | 17,195 |  |  | $ | 26,765 |  |  | $ | 5,980 |  |  | $ | 681 |  |  | $ | 18,469 |  |  | $ | 605 |  |  | $ | 248 |  |  | $ | 69,943 |
Loans charged-off |  |  | (1 | ) |  |  | (1,847 | ) |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | (2 | ) |  |  | (1,850 | )
Recoveries of loans previously charged-off |  |  | 37 |  |  |  | 302 |  |  |  | 2 |  |  |  | 2 |  |  |  | 37 |  |  |  | — |  |  |  | 13 |  |  |  | 393 |
Net loans charged-off |  |  | 36 |  |  |  | (1,545 | ) |  |  | 2 |  |  |  | 2 |  |  |  | 37 |  |  |  | — |  |  |  | 11 |  |  |  | (1,457 | )
Provision for credit losses |  |  | 905 |  |  |  | 1,790 |  |  |  | (226 | ) |  |  | 672 |  |  |  | 500 |  |  |  | (24 | ) |  |  | (17 | ) |  |  | 3,600 |
Ending balance |  | $ | 18,136 |  |  | $ | 27,010 |  |  | $ | 5,756 |  |  | $ | 1,355 |  |  | $ | 19,006 |  |  | $ | 581 |  |  | $ | 242 |  |  | $ | 72,086 |
SixMonths Ended June 30, 2019 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Allowance for credit losses: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Balance at beginning of period |  | $ | 15,857 |  |  | $ | 28,034 |  |  | $ | 6,242 |  |  | $ | 965 |  |  | $ | 18,175 |  |  | $ | 599 |  |  | $ | 72 |  |  | $ | 69,944 |
Loans charged-off |  |  | (5 | ) |  |  | (5,343 | ) |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | (2 | ) |  |  | (5,350 | )
Recoveries of loans previously charged-off |  |  | 167 |  |  |  | 302 |  |  |  | 2 |  |  |  | 3 |  |  |  | 37 |  |  |  | — |  |  |  | 21 |  |  |  | 532 |
Net loans (charged-off) recoveries |  |  | 162 |  |  |  | (5,041 | ) |  |  | 2 |  |  |  | 3 |  |  |  | 37 |  |  |  | — |  |  |  | 19 |  |  |  | (4,818 | )
Provision for credit losses |  |  | 2,117 |  |  |  | 4,017 |  |  |  | (488 | ) |  |  | 387 |  |  |  | 794 |  |  |  | (18 | ) |  |  | 151 |  |  |  | 6,960 |
Ending balance |  | $ | 18,136 |  |  | $ | 27,010 |  |  | $ | 5,756 |  |  | $ | 1,355 |  |  | $ | 19,006 |  |  | $ | 581 |  |  | $ | 242 |  |  | $ | 72,086 |
As of June 30, 2019 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Allowance for credit losses: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Individually evaluated for impairment |  | $ | 7,905 |  |  | $ | 1,000 |  |  | $ | 475 |  |  | $ | 650 |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | 10,030 |
Collectively evaluated for impairment |  |  | 10,231 |  |  |  | 26,010 |  |  |  | 5,281 |  |  |  | 705 |  |  |  | 19,006 |  |  |  | 581 |  |  |  | 242 |  |  |  | 62,056 |
Ending balance |  | $ | 18,136 |  |  | $ | 27,010 |  |  | $ | 5,756 |  |  | $ | 1,355 |  |  | $ | 19,006 |  |  | $ | 581 |  |  | $ | 242 |  |  | $ | 72,086 |
ThreeMonths Ended June 30, 2018 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Allowance for credit losses: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Balance at beginning of period |  | $ | 13,358 |  |  | $ | 26,468 |  |  | $ | 5,471 |  |  | $ | 734 |  |  | $ | 18,742 |  |  | $ | 699 |  |  | $ | 335 |  |  | $ | 65,807 |
Loans charged-off |  |  | (408 | ) |  |  | — |  |  |  | — |  |  |  | — |  |  |  | (517 | ) |  |  | — |  |  |  | — |  |  |  | (925 | )
Recoveries of loans previously charged-off |  |  | 23 |  |  |  | 2 |  |  |  | 1 |  |  |  | 1 |  |  |  | 35 |  |  |  | 10 |  |  |  | 5 |  |  |  | 77 |
Net loans (charged-off) recoveries |  |  | (385 | ) |  |  | 2 |  |  |  | 1 |  |  |  | 1 |  |  |  | (482 | ) |  |  | 10 |  |  |  | 5 |  |  |  | (848 | )
Provision for credit losses |  |  | (767 | ) |  |  | 1,518 |  |  |  | 531 |  |  |  | 22 |  |  |  | 391 |  |  |  | (36 | ) |  |  | (9 | ) |  |  | 1,650 |
Ending balance |  | $ | 12,206 |  |  | $ | 27,988 |  |  | $ | 6,003 |  |  | $ | 757 |  |  | $ | 18,651 |  |  | $ | 673 |  |  | $ | 331 |  |  | $ | 66,609 |
SixMonths Ended June 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 |  |  | (1,261 | ) |  |  | (121 | ) |  |  | (132 | ) |  |  | — |  |  |  | (517 | ) |  |  | — |  |  |  | — |  |  |  | (2,031 | )
Recoveries of loans previously charged-off |  |  | 26 |  |  |  | 2 |  |  |  | 2 |  |  |  | 3 |  |  |  | 95 |  |  |  | 127 |  |  |  | 8 |  |  |  | 263 |
Net loans (charged-off) recoveries |  |  | (1,235 | ) |  |  | (119 | ) |  |  | (130 | ) |  |  | 3 |  |  |  | (422 | ) |  |  | 127 |  |  |  | 8 |  |  |  | (1,768 | )
Provision for credit losses |  |  | 339 |  |  |  | 2,731 |  |  |  | 199 |  |  |  | (190 | ) |  |  | 581 |  |  |  | (224 | ) |  |  | 183 |  |  |  | 3,619 |
Ending balance |  | $ | 12,206 |  |  | $ | 27,988 |  |  | $ | 6,003 |  |  | $ | 757 |  |  | $ | 18,651 |  |  | $ | 673 |  |  | $ | 331 |  |  | $ | 66,609 |
As of June 30, 2018 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Allowance for credit losses: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Individually evaluated for impairment |  | $ | 4,506 |  |  | $ | 3,543 |  |  | $ | 500 |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | 80 |  |  | $ | 8,629 |
Collectively evaluated for impairment |  |  | 7,700 |  |  |  | 24,445 |  |  |  | 5,503 |  |  |  | 757 |  |  |  | 18,651 |  |  |  | 673 |  |  |  | 251 |  |  |  | 57,980 |
Ending balance |  | $ | 12,206 |  |  | $ | 27,988 |  |  | $ | 6,003 |  |  | $ | 757 |  |  | $ | 18,651 |  |  | $ | 673 |  |  | $ | 331 |  |  | $ | 66,609 |

X
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