Quarterly report pursuant to Section 13 or 15(d)

LOANS AND ALLOWANCE FOR LOAN LOSSES (Tables)

v3.7.0.1
LOANS AND ALLOWANCE FOR LOAN LOSSES (Tables)
6 Months Ended
Jun. 30, 2017
Accounts, Notes, Loans and Financing Receivable [Line Items]  
Loans Stated at Face Amount, Net of Unearned Income
Loans are stated at their face amount, net of deferred fees and costs, and consist of the following at June 30, 2017 and December 31, 2016 (dollars in thousands):

 
June 30, 2017
 
December 31, 2016
Construction and Land Development
$
799,938

 
$
751,131

Commercial Real Estate - Owner Occupied
888,285

 
857,805

Commercial Real Estate - Non-Owner Occupied
1,698,329

 
1,564,295

Multifamily Real Estate
367,257

 
334,276

Commercial & Industrial
568,602

 
551,526

Residential 1-4 Family
1,066,519

 
1,029,547

Auto
274,162

 
262,071

HELOC
535,088

 
526,884

Consumer and all other
573,310

 
429,525

Total loans held for investment, net (1)
$
6,771,490

 
$
6,307,060

 
(1) Loans, as presented, are net of deferred fees and costs totaling $898,000 and $1.8 million as of June 30, 2017 and December 31, 2016, respectively.
Summary of Aging of the Loan Portfolio by Class
The following table shows the aging of the Company’s loan portfolio, by segment, at June 30, 2017 (dollars in thousands):
 
 
30-59 Days
Past Due
 
60-89 Days
Past Due
 
Greater than 90
Days and still
Accruing
 
PCI
 
Nonaccrual
 
Current
 
Total Loans
Construction and Land Development
$
602

 
$
26

 
$
83

 
$
2,694

 
$
5,659

 
$
790,874

 
$
799,938

Commercial Real Estate - Owner Occupied
3,148

 
194

 
56

 
17,906

 
1,279

 
865,702

 
888,285

Commercial Real Estate - Non-Owner Occupied
1,530

 
571

 
298

 
16,308

 
4,765

 
1,674,857

 
1,698,329

Multifamily Real Estate
500

 

 

 
2,047

 

 
364,710

 
367,257

Commercial & Industrial
1,652

 
113

 
55

 
751

 
4,281

 
561,750

 
568,602

Residential 1-4 Family
2,477

 
5,663

 
2,369

 
15,087

 
6,128

 
1,034,795

 
1,066,519

Auto
1,562

 
240

 
35

 

 
270

 
272,055

 
274,162

HELOC
1,405

 
964

 
544

 
1,156

 
2,059

 
528,960

 
535,088

Consumer and all other
1,891

 
1,242

 
185

 
218

 
133

 
569,641

 
573,310

Total loans held for investment
$
14,767

 
$
9,013

 
$
3,625

 
$
56,167

 
$
24,574

 
$
6,663,344

 
$
6,771,490


 
The following table shows the aging of the Company’s loan portfolio, by segment, at December 31, 2016 (dollars in thousands):

 
30-59 Days
Past Due
 
60-89 Days
Past Due
 
Greater than 90
Days and still
Accruing
 
PCI
 
Nonaccrual
 
Current
 
Total Loans
Construction and Land Development
$
1,162

 
$
232

 
$
76

 
$
2,922

 
$
2,037

 
$
744,702

 
$
751,131

Commercial Real Estate - Owner Occupied
1,842

 
109

 
35

 
18,343

 
794

 
836,682

 
857,805

Commercial Real Estate - Non-Owner Occupied
2,369

 

 

 
17,303

 

 
1,544,623

 
1,564,295

Multifamily Real Estate
147

 

 

 
2,066

 

 
332,063

 
334,276

Commercial & Industrial
759

 
858

 
9

 
1,074

 
124

 
548,702

 
551,526

Residential 1-4 Family
7,038

 
534

 
2,048

 
16,200

 
5,279

 
998,448

 
1,029,547

Auto
2,570

 
317

 
111

 

 
169

 
258,904

 
262,071

HELOC
1,836

 
1,140

 
635

 
1,161

 
1,279

 
520,833

 
526,884

Consumer and all other
2,522

 
1,431

 
91

 
223

 
291

 
424,967

 
429,525

Total loans held for investment
$
20,245

 
$
4,621

 
$
3,005

 
$
59,292

 
$
9,973

 
$
6,209,924

 
$
6,307,060

Impaired Loans by Class
The Company measures the amount of impairment by evaluating loans either in their collective homogeneous pools or individually. The following table shows the Company’s impaired loans, excluding PCI loans, by segment at June 30, 2017 and December 31, 2016 (dollars in thousands):
 
June 30, 2017
 
December 31, 2016
 
Recorded
Investment
 
Unpaid
Principal
Balance
 
Related
Allowance
 
Recorded
Investment
 
Unpaid
Principal
Balance
 
Related
Allowance
Loans without a specific allowance
 

 
 

 
 

 
 

 
 

 
 

Construction and Land Development
$
10,097

 
$
10,109

 
$

 
$
13,877

 
$
14,353

 
$

Commercial Real Estate - Owner Occupied
5,810

 
5,981

 

 
5,886

 
6,042

 

Commercial Real Estate - Non-Owner Occupied
1,671

 
1,671

 

 
1,399

 
1,399

 

Commercial & Industrial
1,040

 
1,285

 

 
648

 
890

 

Residential 1-4 Family
9,144

 
10,208

 

 
8,496

 
9,518

 

HELOC
1,174

 
1,351

 

 
1,017

 
1,094

 

Consumer and all other
605

 
716

 

 
230

 
427

 

Total impaired loans without a specific allowance
$
29,541

 
$
31,321

 
$

 
$
31,553

 
$
33,723

 
$

 
 
 
 
 
 
 
 
 
 
 
 
Loans with a specific allowance
 

 
 

 
 

 
 

 
 

 
 

Construction and Land Development
$
5,136

 
$
5,331

 
$
720

 
$
1,395

 
$
1,404

 
$
107

Commercial Real Estate - Owner Occupied
631

 
631

 
3

 
646

 
646

 
4

Commercial Real Estate - Non-Owner Occupied
7,991

 
8,040

 
640

 
2,809

 
2,809

 
474

Commercial & Industrial
5,836

 
5,945

 
1,034

 
857

 
880

 
14

Residential 1-4 Family
3,834

 
4,071

 
424

 
3,335

 
3,535

 
200

Auto
270

 
393

 
1

 
169

 
235

 
1

HELOC
937

 
962

 
70

 
323

 
433

 
15

Consumer and all other
24

 
88

 
1

 
62

 
298

 
1

Total impaired loans with a specific allowance
$
24,659

 
$
25,461

 
$
2,893

 
$
9,596

 
$
10,240

 
$
816

Total impaired loans
$
54,200

 
$
56,782

 
$
2,893

 
$
41,149

 
$
43,963

 
$
816



The following tables show the average recorded investment and interest income recognized for the Company’s impaired loans, excluding PCI loans, by segment for the three and six months ended June 30, 2017 and 2016 (dollars in thousands):
 
Three Months Ended
June 30, 2017
 
Six Months Ended
June 30, 2017
 
Average
Investment
 
Interest Income
Recognized
 
Average
Investment
 
Interest Income
Recognized
Construction and Land Development
$
15,111

 
$
119

 
$
14,939

 
$
235

Commercial Real Estate - Owner Occupied
6,471

 
61

 
6,507

 
122

Commercial Real Estate - Non-Owner Occupied
9,675

 
48

 
9,698

 
139

Commercial & Industrial
6,942

 
41

 
7,212

 
72

Residential 1-4 Family
13,311

 
43

 
13,372

 
108

Auto
347

 
2

 
368

 
2

HELOC
2,265

 
1

 
2,273

 
5

Consumer and all other
564

 
8

 
405

 
7

Total impaired loans
$
54,686

 
$
323

 
$
54,774

 
$
690



 
Three Months Ended
June 30, 2016
 
Six Months Ended
June 30, 2016
 
Average
Investment
 
Interest Income
Recognized
 
Average
Investment
 
Interest Income
Recognized
Construction and Land Development
$
30,524

 
$
495

 
$
30,174

 
$
962

Commercial Real Estate - Owner Occupied
13,567

 
148

 
13,719

 
292

Commercial Real Estate - Non-Owner Occupied
4,215

 
43

 
4,216

 
79

Multifamily Real Estate
3,791

 
60

 
3,804

 
120

Commercial & Industrial
2,622

 
31

 
2,861

 
61

Residential 1-4 Family
14,189

 
90

 
14,365

 
183

Auto
162

 

 
183

 

HELOC
2,492

 
11

 
2,519

 
29

Consumer and all other
374

 
1

 
572

 
4

Total impaired loans
$
71,936

 
$
879

 
$
72,413

 
$
1,730

Summary of Modified Loans that Continue to Accrue Interest Under the Terms of Restructuring Agreement
The following table provides a summary, by segment, of TDRs that continue to accrue interest under the terms of the restructuring agreement, which are considered to be performing, and TDRs that have been placed on nonaccrual status, which are considered to be nonperforming, as of June 30, 2017 and December 31, 2016 (dollars in thousands):
 
June 30, 2017
 
December 31, 2016
 
No. of
Loans
 
Recorded
Investment
 
Outstanding
Commitment
 
No. of
Loans
 
Recorded
Investment
 
Outstanding
Commitment
Performing
 

 
 

 
 

 
 

 
 

 
 

Construction and Land Development
7

 
$
3,282

 
$

 
8

 
$
3,793

 
$

Commercial Real Estate - Owner Occupied
6

 
2,579

 

 
7

 
3,106

 

Commercial Real Estate - Non-Owner Occupied
2

 
1,631

 

 
2

 
2,390

 

Commercial & Industrial
13

 
2,194

 

 
3

 
533

 

Residential 1-4 Family
32

 
4,766

 

 
28

 
4,145

 

Consumer and all other
1

 
495

 

 

 

 

Total performing
61

 
$
14,947

 
$

 
48

 
$
13,967

 
$

 
 
 
 
 
 
 
 
 
 
 
 
Nonperforming
 

 
 

 
 

 
 

 
 

 
 

Construction and Land Development
5

 
$
502

 
$

 
2

 
$
215

 
$

Commercial Real Estate - Owner Occupied
3

 
616

 

 
2

 
156

 

Commercial Real Estate - Non-Owner Occupied
1

 
2,050

 

 

 

 

Commercial & Industrial
1

 
86

 

 
1

 
116

 

Residential 1-4 Family
10

 
1,200

 

 
8

 
948

 

Total nonperforming
20

 
$
4,454

 
$

 
13

 
$
1,435

 
$

 
 
 
 
 
 
 
 
 
 
 
 
Total performing and nonperforming
81

 
$
19,401

 
$

 
61

 
$
15,402

 
$

Schedule of TDR by Class and Modification Type
The following table shows, by segment and modification type, TDRs that occurred during the three and six months ended June 30, 2017 (dollars in thousands):
 
Three Months Ended
June 30, 2017
 
Six Months Ended
June 30, 2017
 
No. of
Loans
 
Recorded 
Investment at
Period End
 
No. of
Loans
 
Recorded 
Investment at
Period End
Modified to interest only, at a market rate
 
 
 
 
 
 
 
Commercial & Industrial

 
$

 
5

 
$
661

Total interest only at market rate of interest

 
$

 
5

 
$
661

 
 
 
 
 
 
 
 
Term modification, at a market rate
 

 
 

 
 

 
 

Construction and Land Development
3

 
$
1,084

 
3

 
$
1,084

Commercial Real Estate - Non-Owner Occupied

 

 
2

 
1,631

Commercial & Industrial
2

 
157

 
4

 
973

Residential 1-4 Family
2

 
562

 
5

 
939

Consumer and all other
1

 
495

 
1

 
495

Total loan term extended at a market rate
8

 
$
2,298

 
15

 
$
5,122

 
 
 
 
 
 
 
 
Term modification, below market rate
 
 
 
 
 
 
 
Commercial Real Estate - Owner Occupied
1

 
$
844

 
1

 
$
844

Commercial & Industrial
1

 
85

 
3

 
195

Residential 1-4 Family
3

 
244

 
7

 
1,107

Total loan term extended at a below market rate
5

 
$
1,173

 
11

 
$
2,146

 
 
 
 
 
 
 
 
Total
13

 
$
3,471

 
31

 
$
7,929



The following table shows, by segment and modification type, TDRs that occurred during the three and six months ended June 30, 2016 (dollars in thousands):

 
Three Months Ended
June 30, 2016
 
Six Months Ended
June 30, 2016
 
No. of
Loans
 
Recorded 
Investment at
Period End
 
No. of
Loans
 
Recorded 
Investment at
Period End
Term modification, at a market rate
 

 
 

 
 

 
 

Construction and Land Development
1

 
$
1,193

 
1

 
$
1,193

Commercial Real Estate - Owner Occupied
1

 
38

 
2

 
743

Residential 1-4 Family
1

 
100

 
2

 
476

Total loan term extended at a market rate
3

 
$
1,331

 
5

 
$
2,412

 
 
 
 
 
 
 
 
Term modification, below market rate
 
 
 
 
 
 
 
Residential 1-4 Family
1

 
$
37

 
1

 
$
37

Total loan term extended at a below market rate
1

 
$
37

 
1

 
$
37

 
 
 
 
 
 
 
 
Interest rate modification, below market rate
 
 
 
 
 
 
 
Commercial & Industrial
1

 
$
135

 
1

 
$
135

Total interest only at below market rate of interest
1

 
$
135

 
1

 
$
135

 
 
 
 
 
 
 
 
Total
5

 
$
1,503

 
7

 
$
2,584

Allowance for Loan Loss Activity, by Portfolio Segment, Balances for Allowance for Credit Losses, and Loans Based on Impairment Methodology
The following table shows the allowance for loan loss activity, balances for allowance for loan losses, and loan balances based on impairment methodology by segment for the six months ended and as of June 30, 2017. The table below includes the provision for loan losses. 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):

 
Allowance for loan losses
 
Balance,
beginning of the
year
 
Recoveries
credited to
allowance
 
Loans charged
off
 
Provision
charged to
operations
 
Balance, end of
period
Construction and Land Development
$
10,055

 
$
45

 
$
(253
)
 
$
(792
)
 
$
9,055

Commercial Real Estate - Owner Occupied
3,801

 
65

 

 
(514
)
 
3,352

Commercial Real Estate - Non-Owner Occupied
6,622

 
1

 
(677
)
 
1,390

 
7,336

Multifamily Real Estate
1,236

 

 

 
(117
)
 
1,119

Commercial & Industrial
4,627

 
262

 
(557
)
 
1,282

 
5,614

Residential 1-4 Family
6,399

 
266

 
(466
)
 
49

 
6,248

Auto
946

 
249

 
(586
)
 
311

 
920

HELOC
1,328

 
202

 
(573
)
 
383

 
1,340

Consumer and all other
2,178

 
582

 
(1,848
)
 
2,318

 
3,230

Total
$
37,192

 
$
1,672

 
$
(4,960
)
 
$
4,310

 
$
38,214

 
 
Loans individually evaluated
for impairment
 
Loans collectively evaluated for
impairment
 
Loans acquired with
deteriorated credit quality
 
Total
 
Loans
 
ALL
 
Loans
 
ALL
 
Loans
 
ALL
 
Loans
 
ALL
Construction and Land Development
$
15,233

 
$
720

 
$
782,011

 
$
8,335

 
$
2,694

 
$

 
$
799,938

 
$
9,055

Commercial Real Estate - Owner Occupied
6,441

 
3

 
863,938

 
3,349

 
17,906

 

 
888,285

 
3,352

Commercial Real Estate - Non-Owner Occupied
9,662

 
640

 
1,672,359

 
6,696

 
16,308

 

 
1,698,329

 
7,336

Multifamily Real Estate

 

 
365,210

 
1,119

 
2,047

 

 
367,257

 
1,119

Commercial & Industrial
6,876

 
1,034

 
560,975

 
4,580

 
751

 

 
568,602

 
5,614

Residential 1-4 Family
12,978

 
424

 
1,038,454

 
5,824

 
15,087

 

 
1,066,519

 
6,248

Auto
270

 
1

 
273,892

 
919

 

 

 
274,162

 
920

HELOC
2,111

 
70

 
531,821

 
1,270

 
1,156

 

 
535,088

 
1,340

Consumer and all other
629

 
1

 
572,463

 
3,229

 
218

 

 
573,310

 
3,230

Total loans held for investment, net
$
54,200

 
$
2,893

 
$
6,661,123

 
$
35,321

 
$
56,167

 
$

 
$
6,771,490

 
$
38,214

 
The following table shows the allowance for loan loss activity, balances for allowance for loan losses, and loan balances based on impairment methodology by segment for the six months ended and as of June 30, 2016. In addition, a $100,000 provision was recognized during the six months ended June 30, 2016 for unfunded loan commitments for which the reserves are recorded as a component of “Other Liabilities” on the Company’s Consolidated Balance Sheets. 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):

 
Allowance for loan losses
 
Balance,
beginning of the
year
 
Recoveries
credited to
allowance
 
Loans charged
off
 
Provision
charged to
operations
 
Balance, end of
period
Construction and Land Development
$
6,040

 
$
97

 
$
(859
)
 
$
5,030

 
$
10,308

Commercial Real Estate - Owner Occupied
4,614

 
62

 
(772
)
 
129

 
4,033

Commercial Real Estate - Non-Owner Occupied
6,929

 

 

 
(1,536
)
 
5,393

Multifamily Real Estate
1,606

 

 

 
(697
)
 
909

Commercial & Industrial
3,163

 
355

 
(1,285
)
 
1,793

 
4,026

Residential 1-4 Family
5,414

 
381

 
(295
)
 
600

 
6,100

Auto
1,703

 
131

 
(525
)
 
(470
)
 
839

HELOC
2,934

 
132

 
(800
)
 
(948
)
 
1,318

Consumer and all other
1,644

 
330

 
(729
)
 
903

 
2,148

Total
$
34,047

 
$
1,488

 
$
(5,265
)
 
$
4,804

 
$
35,074

 
 
Loans individually evaluated
for impairment
 
Loans collectively evaluated for
impairment
 
Loans acquired with
deteriorated credit quality
 
Total
 
Loans
 
ALL
 
Loans
 
ALL
 
Loans
 
ALL
 
Loans
 
ALL
Construction and Land Development
$
31,710

 
$
64

 
$
729,274

 
$
10,244

 
$
5,013

 
$

 
$
765,997

 
$
10,308

Commercial Real Estate - Owner Occupied
13,492

 
49

 
797,696

 
3,984

 
20,692

 

 
831,880

 
4,033

Commercial Real Estate - Non-Owner Occupied
4,260

 
1

 
1,348,188

 
5,392

 
18,297

 

 
1,370,745

 
5,393

Multifamily Real Estate
3,777

 

 
331,854

 
909

 
2,092

 

 
337,723

 
909

Commercial & Industrial
2,488

 
47

 
465,212

 
3,979

 
1,354

 

 
469,054

 
4,026

Residential 1-4 Family
13,945

 
345

 
960,707

 
5,755

 
17,805

 

 
992,457

 
6,100

Auto
140

 
1

 
244,435

 
838

 

 

 
244,575

 
839

HELOC
2,337

 
81

 
515,342

 
1,237

 
1,517

 

 
519,196

 
1,318

Consumer and all other
326

 
1

 
408,745

 
2,147

 
400

 

 
409,471

 
2,148

Total loans held for investment, net
$
72,475

 
$
589

 
$
5,801,453

 
$
34,485

 
$
67,170

 
$

 
$
5,941,098

 
$
35,074

Loans Receivables Related Risk Rating
The following table shows the recorded investment in all loans, excluding PCI loans, by segment with their related risk level as of June 30, 2017 (dollars in thousands):
 
 
Pass
 
Special Mention
 
Substandard
 
Doubtful
 
Total
Construction and Land Development
$
726,106

 
$
58,155

 
$
12,883

 
$
100

 
$
797,244

Commercial Real Estate - Owner Occupied
824,793

 
41,397

 
4,189

 

 
870,379

Commercial Real Estate - Non-Owner Occupied
1,648,876

 
23,666

 
9,479

 

 
1,682,021

Multifamily Real Estate
358,597

 
6,613

 

 

 
365,210

Commercial & Industrial
543,951

 
18,291

 
5,609

 

 
567,851

Residential 1-4 Family
1,021,053

 
22,903

 
4,995

 
2,481

 
1,051,432

Auto
271,701

 
2,254

 
77

 
130

 
274,162

HELOC
528,606

 
3,501

 
1,245

 
580

 
533,932

Consumer and all other
570,248

 
2,226

 
509

 
109

 
573,092

Total
$
6,493,931

 
$
179,006

 
$
38,986

 
$
3,400

 
$
6,715,323

 
The following table shows the recorded investment in all loans, excluding PCI loans, by segment with their related risk level as of December 31, 2016 (dollars in thousands):
 
 
Pass
 
Special Mention
 
Substandard
 
Doubtful
 
Total
Construction and Land Development
$
667,018

 
$
69,311

 
$
11,857

 
$
23

 
$
748,209

Commercial Real Estate - Owner Occupied
801,565

 
32,364

 
5,533

 

 
839,462

Commercial Real Estate - Non-Owner Occupied
1,505,153

 
37,631

 
4,208

 

 
1,546,992

Multifamily Real Estate
312,711

 
19,499

 

 

 
332,210

Commercial & Industrial
539,999

 
9,391

 
1,062

 

 
550,452

Residential 1-4 Family
986,973

 
18,518

 
4,813

 
3,043

 
1,013,347

Auto
258,188

 
3,648

 
135

 
100

 
262,071

HELOC
519,928

 
4,225

 
969

 
601

 
525,723

Consumer and all other
425,520

 
3,491

 
40

 
251

 
429,302

Total
$
6,017,055

 
$
198,078

 
$
28,617

 
$
4,018

 
$
6,247,768

Schedule of Acquired Loan Portfolio and Accretable Yield
The following shows changes in the accretable yield for loans accounted for under ASC 310-30, Receivables – Loans and Debt Securities Acquired with Deteriorated Credit Quality, for the periods presented (dollars in thousands):
 
 
For the Six Months Ended
June 30,
 
2017
 
2016
Balance at beginning of period
$
19,739

 
$
22,139

Accretion
(3,188
)
 
(2,792
)
Reclass of nonaccretable difference due to improvement in expected cash flows
2,072

 
3,450

Other, net (1)
(875
)
 
(2,139
)
Balance at end of period
$
17,748

 
$
20,658

 
(1) This line item represents changes in the cash flows expected to be collected due to the impact of non-credit changes such as prepayment assumptions, changes in interest rates on variable rate PCI loans, and discounted payoffs that occurred in the quarter.
Purchased Impaired  
Accounts, Notes, Loans and Financing Receivable [Line Items]  
Summary of Aging of the Loan Portfolio by Class
The following table shows the PCI loan portfolios, by segment and their delinquency status, at June 30, 2017 (dollars in thousands):
 
 
30-89 Days Past
Due
 
Greater than 90
Days
 
Current
 
Total
Construction and Land Development
$
67

 
$

 
$
2,627

 
$
2,694

Commercial Real Estate - Owner Occupied
339

 
650

 
16,917

 
17,906

Commercial Real Estate - Non-Owner Occupied
1,195

 
76

 
15,037

 
16,308

Multifamily Real Estate

 

 
2,047

 
2,047

Commercial & Industrial
109

 

 
642

 
751

Residential 1-4 Family
1,138

 
903

 
13,046

 
15,087

HELOC
221

 
127

 
808

 
1,156

Consumer and all other
35

 

 
183

 
218

Total
$
3,104

 
$
1,756

 
$
51,307

 
$
56,167


 
The following table shows the PCI loan portfolios, by segment and their delinquency status, at December 31, 2016 (dollars in thousands):
 
 
30-89 Days Past
Due
 
Greater than 90
Days
 
Current
 
Total
Construction and Land Development
$

 
$
84

 
$
2,838

 
$
2,922

Commercial Real Estate - Owner Occupied
271

 
519

 
17,553

 
18,343

Commercial Real Estate - Non-Owner Occupied
409

 
126

 
16,768

 
17,303

Multifamily Real Estate

 

 
2,066

 
2,066

Commercial & Industrial
44

 
56

 
974

 
1,074

Residential 1-4 Family
1,298

 
945

 
13,957

 
16,200

HELOC
175

 
121

 
865

 
1,161

Consumer and all other

 

 
223

 
223

Total
$
2,197

 
$
1,851

 
$
55,244

 
$
59,292

Loans Receivables Related Risk Rating
The following table shows the recorded investment in only PCI loans by segment with their related risk level as of June 30, 2017 (dollars in thousands):
 
 
Pass
 
Special Mention
 
Substandard
 
Doubtful
 
Total
Construction and Land Development
$
1,121

 
$
1,297

 
$
276

 
$

 
$
2,694

Commercial Real Estate - Owner Occupied
5,617

 
8,337

 
3,952

 

 
17,906

Commercial Real Estate - Non-Owner Occupied
12,807

 
2,230

 
1,271

 

 
16,308

Multifamily Real Estate
338

 
1,709

 

 

 
2,047

Commercial & Industrial
105

 
368

 
278

 

 
751

Residential 1-4 Family
7,735

 
4,624

 
1,850

 
878

 
15,087

HELOC
808

 
221

 
11

 
116

 
1,156

Consumer and all other
158

 
49

 
11

 

 
218

Total
$
28,689

 
$
18,835

 
$
7,649

 
$
994

 
$
56,167

 
The following table shows the recorded investment in only PCI loans by segment with their related risk level as of December 31, 2016 (dollars in thousands):
 
 
Pass
 
Special Mention
 
Substandard
 
Doubtful
 
Total
Construction and Land Development
$
1,092

 
$
1,432

 
$
398

 
$

 
$
2,922

Commercial Real Estate - Owner Occupied
5,520

 
8,889

 
3,934

 

 
18,343

Commercial Real Estate - Non-Owner Occupied
10,927

 
4,638

 
1,738

 

 
17,303

Multifamily Real Estate
343

 
1,723

 

 

 
2,066

Commercial & Industrial
107

 
480

 
487

 

 
1,074

Residential 1-4 Family
8,557

 
4,455

 
2,672

 
516

 
16,200

HELOC
857

 
183

 
7

 
114

 
1,161

Consumer and all other
166

 
37

 
20

 

 
223

Total
$
27,569

 
$
21,837

 
$
9,256

 
$
630

 
$
59,292