Annual report pursuant to Section 13 and 15(d)

LOANS AND ALLOWANCE FOR LOAN LOSSES (Tables)

v3.10.0.1
LOANS AND ALLOWANCE FOR LOAN LOSSES (Tables)
12 Months Ended
Dec. 31, 2018
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 December 31, 2018 and 2017 (dollars in thousands):
 
 
2018
 
2017
Construction and Land Development
$
1,194,821

 
$
948,791

Commercial Real Estate - Owner Occupied
1,337,345

 
943,933

Commercial Real Estate - Non-Owner Occupied
2,467,410

 
1,713,659

Multifamily Real Estate
548,231

 
357,079

Commercial & Industrial
1,317,135

 
612,023

Residential 1-4 Family - Commercial
713,750

 
612,395

Residential 1-4 Family - Mortgage
600,578

 
485,690

Auto
301,943

 
282,474

HELOC
613,383

 
537,521

Consumer
379,694

 
408,667

Other Commercial
241,917

 
239,320

Total loans held for investment, net (1)
$
9,716,207

 
$
7,141,552



(1) Loans, as presented, are net of deferred fees and costs totaling $5.1 million and $1.3 million as of December 31, 2018 and 2017, 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 December 31, 2018 (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
$
759

 
$
6

 
$
180

 
$
8,654

 
$
8,018

 
$
1,177,204

 
$
1,194,821

Commercial Real Estate - Owner Occupied
8,755

 
1,142

 
3,193

 
25,644

 
3,636

 
1,294,975

 
1,337,345

Commercial Real Estate - Non-Owner Occupied
338

 
41

 

 
17,335

 
1,789

 
2,447,907

 
2,467,410

Multifamily Real Estate

 
146

 

 
88

 

 
547,997

 
548,231

Commercial & Industrial
3,353

 
389

 
132

 
2,156

 
1,524

 
1,309,581

 
1,317,135

Residential 1-4 Family - Commercial
6,619

 
1,577

 
1,409

 
13,707

 
2,481

 
687,957

 
713,750

Residential 1-4 Family - Mortgage
12,049

 
5,143

 
2,437

 
16,766

 
7,276

 
556,907

 
600,578

Auto
3,320

 
403

 
195

 
7

 
576

 
297,442

 
301,943

HELOC
4,611

 
1,644

 
440

 
5,115

 
1,518

 
600,055

 
613,383

Consumer and all other(1)
1,630

 
1,096

 
870

 
749

 
135

 
617,131

 
621,611

Total loans held for investment
$
41,434

 
$
11,587

 
$
8,856

 
$
90,221

 
$
26,953

 
$
9,537,156

 
$
9,716,207

  (1)Consumer and Other Commercial are grouped together as Consumer and all other for reporting purposes.

The following table shows the aging of the Company’s loan portfolio, by segment, at December 31, 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
$
1,248

 
$
898

 
$
1,340

 
$
2,838

 
$
5,610

 
$
936,857

 
$
948,791

Commercial Real Estate - Owner Occupied
444

 
81

 

 
14,790

 
2,708

 
925,910

 
943,933

Commercial Real Estate - Non-Owner Occupied
187

 
84

 
194

 
6,610

 
2,992

 
1,703,592

 
1,713,659

Multifamily Real Estate

 

 

 
80

 

 
356,999

 
357,079

Commercial & Industrial
1,147

 
109

 
214

 
408

 
316

 
609,829

 
612,023

Residential 1-4 Family - Commercial
1,682

 
700

 
579

 
9,414

 
1,085

 
598,935

 
612,395

Residential 1-4 Family - Mortgage
3,838

 
2,541

 
546

 
3,733

 
6,269

 
468,763

 
485,690

Auto
3,541

 
185

 
40

 

 
413

 
278,295

 
282,474

HELOC
2,382

 
717

 
217

 
950

 
2,075

 
531,180

 
537,521

Consumer and all other(1)
2,404

 
2,052

 
402

 
198

 
275

 
642,656

 
647,987

Total loans held for investment
$
16,873

 
$
7,367

 
$
3,532

 
$
39,021

 
$
21,743

 
$
7,053,016

 
$
7,141,552


 (1)Consumer and Other Commercial are grouped together as Consumer and all other for reporting purposes.
Impaired Loans by Class
The following table shows the Company’s impaired loans, excluding PCI loans, by segment at December 31, 2018 and 2017 (dollars in thousands): 
 
December 31, 2018
 
December 31, 2017
 
Recorded
Investment
 
Unpaid
Principal
Balance
 
Related
Allowance
 
Recorded
Investment
 
Unpaid
Principal
Balance
 
Related
Allowance
Loans without a specific allowance
 

 
 

 
 

 
 

 
 

 
 
Construction and Land Development
$
10,290

 
$
12,038

 
$

 
$
16,035

 
$
16,214

 
$

Commercial Real Estate - Owner Occupied
8,386

 
9,067

 

 
5,427

 
5,527

 

Commercial Real Estate - Non-Owner Occupied
6,578

 
6,929

 

 
6,017

 
6,103

 

Commercial & Industrial
3,059

 
3,251

 

 
1,681

 
1,933

 

Residential 1-4 Family - Commercial
4,516

 
4,576

 

 
4,098

 
4,879

 

Residential 1-4 Family - Mortgage
8,504

 
9,180

 

 
9,512

 
9,786

 

HELOC
1,150

 
1,269

 

 
2,056

 
2,144

 

Consumer and all other(1)
508

 
580

 

 
567

 
734

 

Total impaired loans without a specific allowance
$
42,991

 
$
46,890

 
$

 
$
45,393

 
$
47,320

 
$

Loans with a specific allowance
 

 
 

 
 

 
 

 
 

 
 

Construction and Land Development
$
372

 
$
491

 
$
63

 
$
1,536

 
$
1,573

 
$
122

Commercial Real Estate - Owner Occupied
4,304

 
4,437

 
359

 
1,161

 
1,161

 
94

Commercial Real Estate - Non-Owner Occupied
391

 
391

 
1

 

 

 

Commercial & Industrial
1,183

 
1,442

 
752

 
1,295

 
1,319

 
128

Residential 1-4 Family - Commercial
3,180

 
3,249

 
185

 
1,062

 
1,068

 
35

Residential 1-4 Family - Mortgage
5,329

 
5,548

 
374

 
1,953

 
2,070

 
36

Auto
576

 
830

 
231

 
413

 
577

 
2

HELOC
724

 
807

 
188

 
464

 
535

 
51

Consumer and all other(1)
178

 
467

 
64

 
204

 
309

 
35

Total impaired loans with a specific allowance
$
16,237

 
$
17,662

 
$
2,217

 
$
8,088

 
$
8,612

 
$
503

Total impaired loans
$
59,228

 
$
64,552

 
$
2,217

 
$
53,481

 
$
55,932

 
$
503

 (1)Consumer and Other Commercial are grouped together as Consumer and all other for reporting purposes.
The following table shows the average recorded investment and interest income recognized for the Company’s impaired loans,
excluding PCI loans, by segment for the years ended December 31, 2018, 2017 and 2016 (dollars in thousands):
 
December 31, 2018
 
December 31, 2017
 
December 31, 2016
 
Average
Investment
 
Interest 
Income
Recognized
 
Average
Investment
 
Interest 
Income
Recognized
 
Average
Investment
 
Interest 
Income
Recognized
Construction and Land Development
$
11,648

 
$
234

 
$
17,080

 
$
590

 
$
15,346

 
$
681

Commercial Real Estate - Owner Occupied
13,383

 
499

 
6,580

 
306

 
6,290

 
242

Commercial Real Estate - Non-Owner Occupied
7,157

 
246

 
6,083

 
172

 
4,188

 
134

Commercial & Industrial
4,672

 
232

 
3,208

 
150

 
2,800

 
95

Residential 1-4 Family - Commercial
7,904

 
264

 
5,428

 
190

 
6,225

 
205

Residential 1-4 Family - Mortgage
14,740

 
152

 
11,806

 
194

 
6,491

 
86

Auto
824

 
20

 
579

 
19

 
244

 
5

HELOC
2,000

 
23

 
2,659

 
36

 
1,513

 
19

Consumer and all other(1)
749

 
32

 
810

 
36

 
567

 
8

Total impaired loans
$
63,077

 
$
1,702

 
$
54,233

 
$
1,693

 
$
43,664

 
$
1,475

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 in nonaccrual status, which are considered to be nonperforming, as of December 31, 2018 and 2017 (dollars in thousands):
 
December 31, 2018
 
December 31, 2017
 
No. of
Loans
 
Recorded
Investment
 
Outstanding
Commitment
 
No. of
Loans
 
Recorded
Investment
 
Outstanding
Commitment
Performing
 

 
 

 
 

 
 

 
 

 
 

Construction and Land Development
5

 
$
2,496

 
$

 
7

 
$
2,803

 
$

Commercial Real Estate - Owner Occupied
8

 
2,783

 

 
5

 
2,221

 

Commercial Real Estate - Non-Owner Occupied
4

 
4,438

 

 
2

 
715

 

Commercial & Industrial
4

 
978

 

 
12

 
2,057

 

Residential 1-4 Family - Commercial
30

 
2,887

 

 
16

 
1,048

 

Residential 1-4 Family - Mortgage
30

 
5,070

 

 
24

 
5,194

 

HELOC
2

 
58

 

 
1

 
20

 

Consumer and all other (1)
2

 
491

 

 
1

 
495

 

Total performing
85

 
$
19,201

 
$

 
68

 
$
14,553

 
$

Nonperforming
 

 
 

 
 

 
 

 
 

 
 

Construction and Land Development
2

 
$
3,474

 
$

 
2

 
$
702

 
$

Commercial Real Estate - Owner Occupied
2

 
198

 

 
2

 
134

 

Commercial & Industrial
6

 
461

 

 
2

 
108

 

Residential 1-4 Family - Commercial
1

 
60

 

 
5

 
558

 

Residential 1-4 Family - Mortgage
15

 
3,135

 

 
7

 
1,264

 

HELOC
2

 
62

 

 
1

 
59

 

Consumer and all other (1)
1

 
7

 

 
1

 
24

 

Total nonperforming
29

 
$
7,397

 
$

 
20

 
$
2,849

 
$

Total performing and nonperforming
114

 
$
26,598

 
$

 
88

 
$
17,402

 
$

(1)Consumer and Other Commercial are grouped together as Consumer and all other for reporting purposes.

Schedule of TDR by Class and Modification Type
The following table shows, by segment and modification type, TDRs that occurred during the years ended December 31, 2018 and 2017 (dollars in thousands):
 
All Restructurings
 
2018
 
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

 
$
631

Total interest only at market rate of interest

 
$

 
5

 
$
631

 
 
 
 
 
 
 
 
Term modification, at a market rate
 
 
 

 
 
 
 

Construction and Land Development
4

 
$
4,675

 
4

 
$
1,564

Commercial Real Estate - Owner Occupied
5

 
1,365

 
1

 
378

Commercial Real Estate - Non-Owner Occupied
1

 
1,089

 
2

 
715

Commercial & Industrial
3

 
334

 
5

 
1,040

Residential 1-4 Family - Commercial
2

 
219

 
5

 
764

Residential 1-4 Family - Mortgage
8

 
931

 
9

 
2,461

   Consumer and all other(1)
1

 
13

 
2

 
519

Total loan term extended at a market rate
24

 
$
8,626

 
28

 
$
7,441

 
 
 
 
 
 
 
 
Term modification, below market rate
 
 
 

 
 
 
 

Commercial Real Estate - Owner Occupied

 
$

 
1

 
$
837

Commercial Real Estate - Non-Owner Occupied
1

 
2,782

 

 

Commercial & Industrial

 

 
2

 
78

Residential 1-4 Family - Commercial
10

 
1,064

 
5

 
183

Residential 1-4 Family - Mortgage
9

 
1,719

 
11

 
1,803

HELOC
2

 
46

 
2

 
79

Total loan term extended at a below market rate
22

 
$
5,611

 
21

 
$
2,980

 
 
 
 
 
 
 
 
Interest rate modification, below market rate
 
 
 
 
 
 
 
Residential 1-4 Family - Commercial
1

 
$
265

 

 
$

Total interest only at below market rate of interest
1

 
$
265

 

 
$

 
 
 
 
 
 
 
 
Total
47

 
$
14,502

 
54

 
$
11,052

(1)Consumer and Other Commercial are grouped together as Consumer and all other for reporting purposes.
Allowance for Loan Loss Activity, by Portfolio Segment, Balances for Allowance for Credit Losses, and Loans Based on Impairment Methodology
The following tables show the allowance for loan loss activity by segment for the year ended December 31, 2018, 2017, and 2016. The tables below include 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):
 
Year Ended December 31, 2018
 
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
$
9,709

 
$
447

 
$
(2,005
)
 
$
(1,348
)
 
$
6,803

Commercial Real Estate - Owner Occupied
2,931

 
610

 
(709
)
 
1,191

 
4,023

Commercial Real Estate - Non-Owner Occupied
7,544

 
100

 
(94
)
 
1,315

 
8,865

Multifamily Real Estate
1,092

 
5

 

 
(448
)
 
649

Commercial & Industrial
4,552

 
534

 
(833
)
 
3,383

 
7,636

Residential 1-4 Family - Commercial
4,437

 
353

 
(176
)
 
(2,630
)
 
1,984

Residential 1-4 Family - Mortgage
1,524

 
310

 
(852
)
 
218

 
1,200

Auto
975

 
436

 
(1,074
)
 
1,106

 
1,443

HELOC
1,360

 
636

 
(1,206
)
 
507

 
1,297

Consumer and all other(1)
4,084

 
1,737

 
(9,281
)
 
10,605

 
7,145

Total
$
38,208

 
$
5,168

 
$
(16,230
)
 
$
13,899

 
$
41,045

(1)Consumer and Other Commercial are grouped together as Consumer and all other for reporting purposes.


 
Year Ended December 31, 2017
 
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

 
$
206

 
$
(2,190
)
 
$
1,638

 
$
9,709

Commercial Real Estate - Owner Occupied
3,801

 
171

 
(46
)
 
(995
)
 
2,931

Commercial Real Estate - Non-Owner Occupied
6,622

 
2

 
(1,180
)
 
2,100

 
7,544

Multifamily Real Estate
1,236

 

 

 
(144
)
 
1,092

Commercial & Industrial
4,627

 
483

 
(2,277
)
 
1,719

 
4,552

Residential 1-4 Family - Commercial
3,698

 
329

 
(463
)
 
873

 
4,437

Residential 1-4 Family - Mortgage
2,701

 
102

 
(588
)
 
(691
)
 
1,524

Auto
946

 
459

 
(1,038
)
 
608

 
975

HELOC
1,328

 
314

 
(1,019
)
 
737

 
1,360

Consumer and all other(1)
2,178

 
1,189

 
(4,509
)
 
5,226

 
4,084

Total
$
37,192

 
$
3,255

 
$
(13,310
)
 
$
11,071

 
$
38,208

(1)Consumer and Other Commercial are grouped together as Consumer and all other for reporting purposes.


 
Year Ended December 31, 2016
 
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

 
$
505

 
$
(958
)
 
$
4,468

 
$
10,055

Commercial Real Estate - Owner Occupied
4,614

 
152

 
(809
)
 
(156
)
 
3,801

Commercial Real Estate - Non-Owner Occupied
6,929

 
80

 
(1
)
 
(386
)
 
6,622

Multifamily Real Estate
1,606

 

 

 
(370
)
 
1,236

Commercial & Industrial
3,163

 
483

 
(1,920
)
 
2,901

 
4,627

Residential 1-4 Family - Commercial
3,025

 
318

 
(716
)
 
1,071

 
3,698

Residential 1-4 Family - Mortgage
2,389

 
267

 
(184
)
 
229

 
2,701

Auto
1,703

 
327

 
(1,052
)
 
(32
)
 
946

HELOC
2,934

 
459

 
(1,457
)
 
(608
)
 
1,328

Consumer and all other(1)
1,644

 
434

 
(1,458
)
 
1,558

 
2,178

Total
$
34,047

 
$
3,025

 
$
(8,555
)
 
$
8,675

 
$
37,192

(1)Consumer and Other Commercial are grouped together as Consumer and all other for reporting purposes.

The following tables show the loan and allowance for loan loss balances based on impairment methodology by segment as of December 31, 2018 and 2017 (dollars in thousands):


 
December 31, 2018
 
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
$
10,662

 
$
63

 
$
1,175,505

 
$
6,740

 
$
8,654

 
$

 
$
1,194,821

 
$
6,803

Commercial Real Estate - Owner Occupied
12,690

 
359

 
1,299,011

 
3,664

 
25,644

 

 
1,337,345

 
4,023

Commercial Real Estate - Non-Owner Occupied
6,969

 
1

 
2,443,106

 
8,864

 
17,335

 

 
2,467,410

 
8,865

Multifamily Real Estate

 

 
548,143

 
649

 
88

 

 
548,231

 
649

Commercial & Industrial
4,242

 
752

 
1,310,737

 
6,884

 
2,156

 

 
1,317,135

 
7,636

Residential 1-4 Family - Commercial
7,696

 
185

 
692,347

 
1,799

 
13,707

 

 
713,750

 
1,984

Residential 1-4 Family - Mortgage
13,833

 
374

 
569,979

 
826

 
16,766

 

 
600,578

 
1,200

Auto
576

 
231

 
301,360

 
1,212

 
7

 

 
301,943

 
1,443

HELOC
1,874

 
188

 
606,394

 
1,109

 
5,115

 

 
613,383

 
1,297

Consumer and all other(1)
686

 
64

 
620,176

 
7,081

 
749

 

 
621,611

 
7,145

Total loans held for investment, net
$
59,228

 
$
2,217

 
$
9,566,758

 
$
38,828

 
$
90,221

 
$

 
$
9,716,207

 
$
41,045

(1)Consumer and Other Commercial are grouped together as Consumer and all other for reporting purposes.



 
December 31, 2017
 
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
$
17,571

 
$
122

 
$
928,382

 
$
9,587

 
$
2,838

 
$

 
$
948,791

 
$
9,709

Commercial Real Estate - Owner Occupied
6,588

 
94

 
922,555

 
2,837

 
14,790

 

 
943,933

 
2,931

Commercial Real Estate - Non-Owner Occupied
6,017

 

 
1,701,032

 
7,544

 
6,610

 

 
1,713,659

 
7,544

Multifamily Real Estate

 

 
356,999

 
1,092

 
80

 

 
357,079

 
1,092

Commercial & Industrial
2,976

 
128

 
608,639

 
4,424

 
408

 

 
612,023

 
4,552

Residential 1-4 Family - Commercial
5,160

 
35

 
597,821

 
4,402

 
9,414

 

 
612,395

 
4,437

Residential 1-4 Family - Mortgage
11,465

 
36

 
470,492

 
1,488

 
3,733

 

 
485,690

 
1,524

Auto
413

 
2

 
282,061

 
973

 

 

 
282,474

 
975

HELOC
2,520

 
51

 
534,051

 
1,309

 
950

 

 
537,521

 
1,360

Consumer and all other(1)
771

 
35

 
647,018

 
4,049

 
198

 

 
647,987

 
4,084

Total loans held for investment, net
$
53,481

 
$
503

 
$
7,049,050

 
$
37,705

 
$
39,021

 
$

 
$
7,141,552

 
$
38,208

(1)Consumer and Other Commercial are grouped together as Consumer and all other for reporting purposes.


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 December 31, 2018 (dollars in thousands):
 
Pass
 
Special Mention
 
Substandard
 
Doubtful
 
Total
Construction and Land Development
$
1,130,577

 
$
43,894

 
$
11,696

 
$

 
$
1,186,167

Commercial Real Estate - Owner Occupied
1,231,422

 
50,939

 
29,340

 

 
1,311,701

Commercial Real Estate - Non-Owner Occupied
2,425,500

 
17,648

 
6,927

 

 
2,450,075

Multifamily Real Estate
537,572

 
10,571

 

 

 
548,143

Commercial & Industrial
1,273,549

 
34,864

 
6,566

 

 
1,314,979

Residential 1-4 Family - Commercial
677,109

 
17,086

 
5,848

 

 
700,043

Residential 1-4 Family - Mortgage
554,192

 
14,855

 
14,765

 

 
583,812

Auto
296,907

 
3,590

 
1,439

 

 
301,936

HELOC
598,444

 
6,316

 
3,508

 

 
608,268

Consumer and all other(1)
618,730

 
1,411

 
721

 

 
620,862

Total
$
9,344,002

 
$
201,174

 
$
80,810

 
$

 
$
9,625,986

(1)Consumer and Other Commercial are grouped together as Consumer and all other for reporting purposes.

The following table shows the recorded investment in all loans, excluding PCI loans, by segment with their related risk level as of December 31, 2017 (dollars in thousands):

 
Pass
 
Special Mention
 
Substandard
 
Doubtful
 
Total
Construction and Land Development
$
869,111

 
$
62,517

 
$
14,325

 
$

 
$
945,953

Commercial Real Estate - Owner Occupied
872,130

 
52,268

 
4,745

 

 
929,143

Commercial Real Estate - Non-Owner Occupied
1,681,314

 
19,899

 
5,836

 

 
1,707,049

Multifamily Real Estate
349,625

 
7,374

 

 

 
356,999

Commercial & Industrial
595,923

 
13,533

 
2,159

 

 
611,615

Residential 1-4 Family - Commercial
587,169

 
12,117

 
3,650

 
45

 
602,981

Residential 1-4 Family - Mortgage
470,646

 
7,190

 
1,642

 
2,479

 
481,957

Auto
278,063

 
4,131

 
119

 
161

 
282,474

HELOC
531,358

 
3,867

 
857

 
489

 
536,571

Consumer and all other(1)
645,187

 
1,758

 
781

 
63

 
647,789

Total
$
6,880,526

 
$
184,654

 
$
34,114

 
$
3,237

 
$
7,102,531

(1)Consumer and Other Commercial are grouped together as Consumer and all other for reporting purposes.

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 year ended
December 31,
 
2018
 
2017
Balance at beginning of period
$
14,563

 
$
19,739

Additions
12,225

 

Accretion
(8,654
)
 
(6,426
)
Reclass of nonaccretable difference due to improvement in expected cash flows
1,876

 
2,237

Measurement period adjustment
3,974

 

Other, net (1)
7,217

 
(987
)
Balance at end of period
$
31,201

 
$
14,563

 
(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 year.
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 December 31, 2018 (dollars in thousands): 
 
30-89 Days
Past Due
 
Greater than
90 Days
 
Current
 
Total
Construction and Land Development
$
108

 
$
1,424

 
$
7,122

 
$
8,654

Commercial Real Estate - Owner Occupied
658

 
4,281

 
20,705

 
25,644

Commercial Real Estate - Non-Owner Occupied
61

 
1,810

 
15,464

 
17,335

Multifamily Real Estate

 

 
88

 
88

Commercial & Industrial
47

 
1,092

 
1,017

 
2,156

Residential 1-4 Family - Commercial
931

 
3,464

 
9,312

 
13,707

Residential 1-4 Family - Mortgage
1,899

 
2,412

 
12,455

 
16,766

Auto

 

 
7

 
7

HELOC
498

 
252

 
4,365

 
5,115

Consumer and all other(1)
62

 
9

 
678

 
749

Total
$
4,264

 
$
14,744

 
$
71,213

 
$
90,221

  (1)Consumer and Other Commercial are grouped together as Consumer and all other for reporting purposes.
The following table shows the PCI loan portfolios, by segment and their delinquency status, at December 31, 2017 (dollars in thousands):
 
30-89 Days
Past Due
 
Greater than
90 Days
 
Current
 
Total
Construction and Land Development
$
8

 
$
57

 
$
2,773

 
$
2,838

Commercial Real Estate - Owner Occupied
381

 
478

 
13,931

 
14,790

Commercial Real Estate - Non-Owner Occupied
188

 
233

 
6,189

 
6,610

Multifamily Real Estate

 

 
80

 
80

Commercial & Industrial

 

 
408

 
408

Residential 1-4 Family - Commercial
433

 
351

 
8,630

 
9,414

Residential 1-4 Family - Mortgage
343

 
626

 
2,764

 
3,733

HELOC
291

 
214

 
445

 
950

Consumer and all other(1)

 

 
198

 
198

Total
$
1,644

 
$
1,959

 
$
35,418

 
$
39,021

 (1)Consumer and Other Commercial are grouped together as Consumer and all other for reporting purposes.
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 December 31, 2018 (dollars in thousands):
 
Pass
 
Special Mention
 
Substandard
 
Doubtful
 
Total
Construction and Land Development
$
1,835

 
$
1,308