Quarterly report pursuant to Section 13 or 15(d)

LOANS AND ALLOWANCE FOR LOAN LOSSES (Tables)

v3.19.2
LOANS AND ALLOWANCE FOR LOAN LOSSES (Tables)
6 Months Ended
Jun. 30, 2019
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, 2019 and December 31, 2018 (dollars in thousands):

June 30, 2019

    

December 31, 2018

Construction and Land Development

$

1,267,712

$

1,194,821

Commercial Real Estate - Owner Occupied

 

1,966,776

 

1,337,345

Commercial Real Estate - Non-Owner Occupied

 

3,104,823

 

2,467,410

Multifamily Real Estate

 

602,115

 

548,231

Commercial & Industrial

 

2,032,799

 

1,317,135

Residential 1-4 Family - Commercial

 

801,703

 

713,750

Residential 1-4 Family - Mortgage

 

850,063

 

600,578

Auto

 

311,858

 

301,943

HELOC

 

660,621

 

613,383

Consumer

 

383,653

 

379,694

Other Commercial

 

238,391

 

241,917

Total loans held for investment, net (1)

$

12,220,514

$

9,716,207

(1) Loans, as presented, are net of deferred fees and costs totaling $7.2 million and $5.1 million as of June 30, 2019 and December 31, 2018, 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, 2019 (dollars in thousands):

    

    

    

Greater than

    

    

    

    

30-59 Days

60-89 Days

90 Days and

Past Due

Past Due

still Accruing

PCI

Nonaccrual

Current

Total Loans

Construction and Land Development

$

2,327

$

318

$

855

$

12,181

$

5,619

$

1,246,412

$

1,267,712

Commercial Real Estate - Owner Occupied

 

1,707

 

 

2,540

 

32,628

 

4,062

 

1,925,839

 

1,966,776

Commercial Real Estate - Non-Owner Occupied

 

141

 

164

 

1,489

 

15,755

 

1,685

 

3,085,589

 

3,104,823

Multifamily Real Estate

 

1,218

 

 

 

92

 

 

600,805

 

602,115

Commercial & Industrial

 

3,223

 

1,175

 

295

 

3,930

 

1,183

 

2,022,993

 

2,032,799

Residential 1-4 Family - Commercial

 

1,622

 

651

 

863

 

12,675

 

4,135

 

781,757

 

801,703

Residential 1-4 Family - Mortgage

 

5,969

 

2,801

 

845

 

17,821

 

8,677

 

813,950

 

850,063

Auto

 

2,120

 

299

 

122

 

7

 

449

 

308,861

 

311,858

HELOC

 

4,978

 

1,336

 

658

 

4,869

 

1,432

 

647,348

 

660,621

Consumer

 

2,794

 

1,423

 

1,099

 

689

 

115

 

377,533

 

383,653

Other Commercial

30

62

654

105

237,540

238,391

Total loans held for investment

$

26,129

$

8,167

$

8,828

$

101,301

$

27,462

$

12,048,627

$

12,220,514

The following table shows the aging of the Company’s loan portfolio, by segment, at December 31, 2018 (dollars in thousands):

    

    

    

Greater than

    

    

    

    

30-59 Days

60-89 Days

90 Days and

Past Due

Past Due

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

 

1,504

 

1,096

 

870

 

32

 

135

 

376,057

 

379,694

Other Commercial

126

717

241,074

241,917

Total loans held for investment

$

41,434

$

11,587

$

8,856

$

90,221

$

26,953

$

9,537,156

$

9,716,207

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, 2019 and December 31, 2018 (dollars in thousands):

June 30, 2019

December 31, 2018

    

    

Unpaid

    

    

    

Unpaid

    

Recorded

Principal

Related

Recorded

Principal

Related

Investment

Balance

Allowance

Investment

Balance

Allowance

Loans without a specific allowance

 

  

 

  

 

  

 

  

 

  

 

  

Construction and Land Development

$

6,837

$

8,863

$

$

10,290

$

12,038

$

Commercial Real Estate - Owner Occupied

 

10,138

 

10,433

 

 

8,386

 

9,067

 

Commercial Real Estate - Non-Owner Occupied

 

6,265

 

6,568

 

 

6,578

 

6,929

 

Commercial & Industrial

 

2,583

 

2,605

 

 

3,059

 

3,251

 

Residential 1-4 Family - Commercial

 

4,986

 

5,126

 

 

4,516

 

4,576

 

Residential 1-4 Family - Mortgage

 

8,821

 

9,455

 

 

8,504

 

9,180

 

HELOC

 

2,205

 

2,220

 

 

1,150

 

1,269

 

Consumer

30

102

Other Commercial

 

 

 

 

478

 

478

 

Total impaired loans without a specific allowance

$

41,835

$

45,270

$

$

42,991

$

46,890

$

Loans with a specific allowance

 

  

 

  

 

  

 

  

 

  

 

  

Construction and Land Development

$

877

$

954

$

111

$

372

$

491

$

63

Commercial Real Estate - Owner Occupied

 

1,723

 

1,834

 

104

 

4,304

 

4,437

 

359

Commercial Real Estate - Non-Owner Occupied

 

565

 

613

 

11

 

391

 

391

 

1

Commercial & Industrial

 

407

 

430

 

135

 

1,183

 

1,442

 

752

Residential 1-4 Family - Commercial

 

4,703

 

4,850

 

341

 

3,180

 

3,249

 

185

Residential 1-4 Family - Mortgage

 

6,985

 

7,302

 

612

 

5,329

 

5,548

 

374

Auto

 

449

 

668

 

179

 

576

 

830

 

231

HELOC

 

1,230

 

1,340

 

330

 

724

 

807

 

188

Consumer

 

186

 

349

 

69

 

178

 

467

 

64

Other Commercial

576

577

30

Total impaired loans with a specific allowance

$

17,701

$

18,917

$

1,922

$

16,237

$

17,662

$

2,217

Total impaired loans

$

59,536

$

64,187

$

1,922

$

59,228

$

64,552

$

2,217

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, 2019 and 2018 (dollars in thousands):

Three Months Ended

Six Months Ended

June 30, 2019

June 30, 2019

    

    

Interest

    

    

Interest

Average

Income

Average

Income

Investment

Recognized

Investment

Recognized

Construction and Land Development

$

7,811

$

13

$

8,167

$

54

Commercial Real Estate - Owner Occupied

 

12,002

 

91

 

12,030

 

200

Commercial Real Estate - Non-Owner Occupied

 

6,931

 

60

 

6,944

 

119

Commercial & Industrial

 

3,038

 

27

 

3,081

 

59

Residential 1-4 Family - Commercial

 

9,969

 

73

 

9,730

 

138

Residential 1-4 Family - Mortgage

 

15,986

 

6

 

16,057

 

105

Auto

 

493

 

 

520

 

1

HELOC

 

3,489

 

38

 

3,506

 

78

Consumer

 

191

 

2

 

195

 

3

Other Commercial

579

7

583

15

Total impaired loans

$

60,489

$

317

$

60,813

$

772

Three Months Ended

Six Months Ended

June 30, 2018

June 30, 2018

    

    

Interest

    

    

Interest

Average

Income

Average

Income

Investment

Recognized

Investment

Recognized

Construction and Land Development

$

12,572

$

68

$

12,458

$

145

Commercial Real Estate - Owner Occupied

 

13,130

 

116

 

13,262

 

238

Commercial Real Estate - Non-Owner Occupied

 

7,187

 

48

 

7,496

 

109

Commercial & Industrial

 

5,792

 

57

 

5,970

 

130

Residential 1-4 Family - Commercial

 

7,744

 

72

 

7,839

 

140

Residential 1-4 Family - Mortgage

 

18,876

 

63

 

18,951

 

163

Auto

 

1,002

 

6

 

1,056

 

17

HELOC

 

4,439

 

34

 

4,447

 

69

Consumer

 

268

 

2

 

286

 

2

Other Commercial

488

7

490

14

Total impaired loans

$

71,498

$

473

$

72,255

$

1,027

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 applicable 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, 2019 and December 31, 2018 (dollars in thousands):

June 30, 2019

December 31, 2018

    

No. of

    

Recorded

    

Outstanding

    

No. of

    

Recorded

    

Outstanding

Loans

Investment

Commitment

Loans

Investment

Commitment

Performing

 

  

 

  

 

  

 

  

 

  

 

  

Construction and Land Development

 

4

$

1,953

$

 

5

$

2,496

$

Commercial Real Estate - Owner Occupied

 

8

 

2,734

 

26

 

8

 

2,783

 

Commercial Real Estate - Non-Owner Occupied

 

3

 

4,244

 

 

4

 

4,438

 

Commercial & Industrial

 

2

 

583

 

 

4

 

978

 

Residential 1-4 Family - Commercial

 

40

 

3,926

 

 

30

 

2,887

 

Residential 1-4 Family - Mortgage

 

27

 

5,161

 

 

30

 

5,070

 

HELOC

 

2

 

57

 

 

2

 

58

 

Consumer

 

2

 

15

 

 

1

 

13

 

Other Commercial

1

471

1

478

Total performing

 

89

$

19,144

$

26

 

85

$

19,201

$

Nonperforming

 

  

 

  

 

  

 

  

 

  

 

  

Construction and Land Development

 

1

$

1,016

$

 

2

$

3,474

$

Commercial Real Estate - Owner Occupied

 

2

 

185

 

 

2

 

198

 

Commercial & Industrial

 

4

 

421

 

 

6

 

461

 

Residential 1-4 Family - Commercial

 

 

 

 

1

 

60

 

Residential 1-4 Family - Mortgage

 

17

 

2,854

 

 

15

 

3,135

 

HELOC

 

2

 

60

 

 

2

 

62

 

Consumer

1

7

Total nonperforming

 

26

$

4,536

$

 

29

$

7,397

$

Total performing and nonperforming

 

115

$

23,680

$

26

 

114

$

26,598

$

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, 2019 (dollars in thousands):

All Restructurings

Three Months Ended June 30, 2019

Six Months Ended June 30, 2019

    

    

Recorded

    

    

Recorded

No. of

Investment at

No. of

Investment at

Loans

Period End

Loans

Period End

Modified to interest only, at a market rate

 

  

 

  

 

  

 

  

Total interest only at market rate of interest

 

$

 

$

Term modification, at a market rate

 

  

 

  

 

  

 

  

Residential 1-4 Family - Commercial

 

$

 

2

$

293

Residential 1-4 Family - Mortgage

 

1

 

43

 

2

 

80

Consumer

1

9

Total loan term extended at a market rate

 

1

$

43

 

5

$

382

Term modification, below market rate

 

  

 

  

 

  

 

  

Residential 1-4 Family - Commercial

 

8

$

431

 

13

$

1,358

Residential 1-4 Family - Mortgage

 

1

 

52

 

1

 

52

Consumer

1

6

Total loan term extended at a below market rate

 

9

$

483

 

15

$

1,416

Total

 

10

$

526

 

20

$

1,798

The following table shows, by segment and modification type, TDRs that occurred during the three and six months ended June 30, 2018 (dollars in thousands):

All Restructurings

Three Months Ended June 30, 2018

Six Months Ended

June 30, 2018

    

    

Recorded

    

    

Recorded

No. of

Investment at

No. of

Investment at

Loans

Period End

Loans

Period End

Modified to interest only, at a market rate

 

  

 

  

 

  

 

  

Total interest only at market rate of interest

 

$

 

$

Term modification, at a market rate

 

  

 

  

 

  

 

  

Construction and Land Development

 

2

$

1,263

 

2

$

1,263

Commercial Real Estate - Owner Occupied

 

2

 

564

 

5

 

1,375

Commercial & Industrial

 

1

 

63

 

1

 

63

Residential 1-4 Family - Commercial

 

1

 

72

 

2

 

221

Residential 1-4 Family - Mortgage

 

4

 

475

 

5

 

615

Total loan term extended at a market rate

 

10

$

2,437

 

15

$

3,537

Term modification, below market rate

 

  

 

  

 

  

 

  

Residential 1-4 Family - Commercial

 

3

$

608

 

3

$

608

Residential 1-4 Family - Mortgage

 

2

 

248

 

4

 

413

Total loan term extended at a below market rate

 

5

$

856

 

7

$

1,021

Total

 

15

$

3,293

 

22

$

4,558

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 ALL activity by segment for the six months ended June 30, 2019 and 2018. 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):

Six Months Ended June 30, 2019

Allowance for loan losses

    

Balance,

    

Recoveries

    

Loans

    

Provision

    

Balance,

beginning of

credited to

charged

charged to

end of

the year

allowance

off

operations

period

Construction and Land Development

$

6,803

$

97

$

(800)

$

(101)

$

5,999

Commercial Real Estate - Owner Occupied

 

4,023

 

54

 

(231)

 

235

 

4,081

Commercial Real Estate - Non-Owner Occupied

 

8,865

 

92

 

 

654

 

9,611

Multifamily Real Estate

 

649

 

85

 

 

(70)

 

664

Commercial & Industrial

 

7,636

 

681

 

(1,858)

 

1,237

 

7,696

Residential 1-4 Family - Commercial

 

1,984

 

127

 

(267)

 

148

 

1,992

Residential 1-4 Family - Mortgage

 

1,200

 

219

 

(37)

 

136

 

1,518

Auto

 

1,443

 

339

 

(703)

 

334

 

1,413

HELOC

 

1,297

 

434

 

(523)

 

47

 

1,255

Consumer and all other(1)

 

7,145

 

1,238

 

(7,454)

 

7,305

 

8,234

Total

$

41,045

$

3,366

$

(11,873)

$

9,925

$

42,463

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

Six Months Ended June 30, 2018

Allowance for loan losses

    

Balance,

    

Recoveries

    

Loans

    

Provision

    

Balance,

beginning of

credited to

charged

charged to

end of

the year

allowance

off

operations

period

Construction and Land Development

$

9,709

$

279

$

(61)

$

(600)

$

9,327

Commercial Real Estate - Owner Occupied

 

2,931

 

346

 

(125)

 

788

 

3,940

Commercial Real Estate - Non-Owner Occupied

 

7,544

 

7

 

(94)

 

295

 

7,752

Multifamily Real Estate

 

1,092

 

5

 

 

633

 

1,730

Commercial & Industrial

 

4,552

 

260

 

(459)

 

2,029

 

6,382

Residential 1-4 Family - Commercial

 

4,437

 

140

 

(113)

 

(1,927)

 

2,537

Residential 1-4 Family - Mortgage

 

1,524

 

202

 

(141)

 

304

 

1,889

Auto

 

975

 

190

 

(480)

 

403

 

1,088

HELOC

 

1,360

 

469

 

(267)

 

(263)

 

1,299

Consumer and all other(1)

 

4,084

 

783

 

(3,799)

 

4,258

 

5,326

Total

$

38,208

$

2,681

$

(5,539)

$

5,920

$

41,270

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

The following tables show the loan and ALL balances based on impairment methodology by segment as of June 30, 2019 and December 31, 2018 (dollars in thousands):

June 30, 2019

Loans individually

Loans collectively

Loans acquired with

evaluated for

evaluated for

deteriorated credit

impairment

impairment

quality

Total

    

Loans

    

ALL

    

Loans

    

ALL

    

Loans

    

ALL

    

Loans

    

ALL

Construction and Land Development

$

7,714

$

111

$

1,247,817

$

5,888

$

12,181

$

$

1,267,712

$

5,999

Commercial Real Estate - Owner Occupied

 

11,861

 

104

 

1,922,287

 

3,977

 

32,628

 

 

1,966,776

 

4,081

Commercial Real Estate - Non-Owner Occupied

 

6,830

 

11

 

3,082,238

 

9,600

 

15,755

 

 

3,104,823

 

9,611

Multifamily Real Estate

 

 

 

602,023

 

664

 

92

 

 

602,115

 

664

Commercial & Industrial

 

2,990

 

135

 

2,025,879

 

7,561

 

3,930

 

 

2,032,799

 

7,696

Residential 1-4 Family - Commercial

 

9,689

 

341

 

779,339

 

1,651

 

12,675

 

 

801,703

 

1,992

Residential 1-4 Family - Mortgage

 

15,806

 

612

 

816,436

 

906

 

17,821

 

 

850,063

 

1,518

Auto

 

449

 

179

 

311,402

 

1,234

 

7

 

 

311,858

 

1,413

HELOC

 

3,435

 

330

 

652,317

 

925

 

4,869

 

 

660,621

 

1,255

Consumer and all other(1)

 

762

 

99

 

619,939

 

8,135

 

1,343

 

 

622,044

 

8,234

Total loans held for investment, net

$

59,536

$

1,922

$

12,059,677

$

40,541

$

101,301

$

$

12,220,514

$

42,463

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

December 31, 2018

Loans individually

Loans collectively

Loans acquired with

evaluated for

evaluated for

deteriorated credit

impairment

impairment

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.

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, 2019 (dollars in thousands):

    

Pass

    

Watch & Special Mention

    

Substandard

    

Doubtful

    

Total

Construction and Land Development

$

1,204,655

$

43,268

$

7,608

$

$

1,255,531

Commercial Real Estate - Owner Occupied

 

1,848,333

 

65,257

 

20,558

 

 

1,934,148

Commercial Real Estate - Non-Owner Occupied

 

3,042,648

 

40,760

 

5,660

 

 

3,089,068

Multifamily Real Estate

 

586,626

 

15,397

 

 

 

602,023

Commercial & Industrial

 

1,945,547

 

79,232

 

4,090

 

 

2,028,869

Residential 1-4 Family - Commercial

 

755,438

 

26,284

 

7,306

 

 

789,028

Residential 1-4 Family - Mortgage

 

808,797

 

6,036

 

17,409

 

 

832,242

Auto

 

307,921

 

2,181

 

1,749

 

 

311,851

HELOC

 

643,778

 

5,418

 

6,556

 

 

655,752

Consumer

 

381,478

 

1,121

 

365

 

 

382,964

Other Commercial

235,981

1,588

168

237,737

Total

$

11,761,202

$

286,542

$

71,469

$

$

12,119,213

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

    

Watch & 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

 

378,873

 

547

 

242

 

 

379,662

Other Commercial

 

239,857

 

864

 

479

 

 

241,200

Total

$

9,344,002

$

201,174

$

80,810

$

$

9,625,986

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, 

    

2019

    

2018

Balance at beginning of period

$

31,201

$

14,563

Additions

 

2,432

 

12,225

Accretion

 

(6,510)

 

(4,673)

Reclass of nonaccretable difference due to improvement in expected cash flows

 

716

 

139

Measurement period adjustment

 

2,629

 

2,981

Other, net (1)

 

2,182

 

70

Balance at end of period

$

32,650

$

25,305

(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, 2019 (dollars in thousands):

    

30-89 Days

    

Greater than

    

    

Past Due

90 Days

Current

Total

Construction and Land Development

$

165

$

1,296

$

10,720

$

12,181

Commercial Real Estate - Owner Occupied

 

745

 

3,974

 

27,909

 

32,628

Commercial Real Estate - Non-Owner Occupied

 

116

 

999

 

14,640

 

15,755

Multifamily Real Estate

 

 

 

92

 

92

Commercial & Industrial

 

245

 

1,081

 

2,604

 

3,930

Residential 1-4 Family - Commercial

 

582

 

670

 

11,423

 

12,675

Residential 1-4 Family - Mortgage

 

1,423

 

3,779

 

12,619

 

17,821

Auto

 

 

 

7

 

7

HELOC

 

277

 

361

 

4,231

 

4,869

Consumer

5

684

689

Other Commercial

 

 

 

654

 

654

Total

$

3,553

$

12,165

$

85,583

$

101,301

The following table shows the PCI loan portfolios, by segment and their delinquency status, at December 31, 2018 (dollars in thousands):

    

30-89 Days

    

Greater than

    

    

Past Due

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

5

9

18

32

Other Commercial

 

57

 

 

660

 

717

Total

$

4,264

$

14,744

$

71,213

$

90,221

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, 2019 (dollars in thousands):

    

Pass

    

Watch & Special Mention

    

Substandard

    

Doubtful

    

Total

Construction and Land Development

$

1,455

$

4,264

$

6,462

$

$

12,181

Commercial Real Estate - Owner Occupied

 

8,690

 

10,453

 

13,485

 

 

32,628

Commercial Real Estate - Non-Owner Occupied

 

4,573

 

9,274

 

1,908

 

 

15,755

Multifamily Real Estate

 

 

92

 

 

 

92

Commercial & Industrial

 

109

 

94

 

3,727

 

 

3,930

Residential 1-4 Family - Commercial

 

6,238

 

2,998

 

3,371

 

68

 

12,675

Residential 1-4 Family - Mortgage

 

10,381

 

269

 

7,171

 

 

17,821

Auto

 

3

 

 

4

 

 

7

HELOC

 

3,502

 

760

 

607

 

 

4,869

Consumer

 

676

 

 

13

 

 

689

Other Commercial

52

602

654

Total

$

35,679

$

28,806

$

36,748

$

68

$

101,301

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

    

Watch & Special Mention

    

Substandard

    

Doubtful

    

Total

Construction and Land Development

$

1,835

$

1,308

$

5,511

$

$

8,654

Commercial Real Estate - Owner Occupied

 

8,347

 

6,685

 

10,612

 

 

25,644

Commercial Real Estate - Non-Owner Occupied

 

4,789

 

7,992

 

4,554

 

 

17,335

Multifamily Real Estate

 

 

88

 

 

 

88

Commercial & Industrial

 

762

 

134

 

1,260

 

 

2,156

Residential 1-4 Family - Commercial

 

6,512

 

2,771

 

4,424

 

 

13,707

Residential 1-4 Family - Mortgage

 

9,894

 

1,030

 

5,842

 

 

16,766

Auto

7

7

HELOC

 

3,438

 

1,031

 

646

 

 

5,115

Consumer

 

17

 

 

15

 

 

32

Other Commercial

57

660

717

Total

$

35,658

$

21,699

$

32,864

$

$

90,221