Quarterly report pursuant to Section 13 or 15(d)

LOANS AND ALLOWANCE FOR LOAN LOSSES (Tables)

v3.10.0.1
LOANS AND ALLOWANCE FOR LOAN LOSSES (Tables)
6 Months Ended
Jun. 30, 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 June 30, 2018 and December 31, 2017 (dollars in thousands):
 
June 30, 2018
 
December 31, 2017
Construction and Land Development
$
1,250,448

 
$
948,791

Commercial Real Estate - Owner Occupied
1,293,791

 
943,933

Commercial Real Estate - Non-Owner Occupied
2,318,589

 
1,713,659

Multifamily Real Estate
541,730

 
357,079

Commercial & Industrial
1,093,771

 
612,023

Residential 1-4 Family - Commercial
723,945

 
612,395

Residential 1-4 Family - Mortgage
607,155

 
485,690

Auto
296,706

 
282,474

HELOC
626,916

 
537,521

Consumer
298,021

 
408,667

Other Commercial
239,187

 
239,320

Total loans held for investment, net (1)
$
9,290,259

 
$
7,141,552

 
(1) Loans, as presented, are net of deferred fees and costs totaling $2.6 million and $1.3 million as of June 30, 2018 and December 31, 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 June 30, 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
$
648

 
$
292

 
$
144

 
$
5,183

 
$
6,485

 
$
1,237,696

 
$
1,250,448

Commercial Real Estate - Owner Occupied
3,775

 
1,819

 
2,512

 
26,720

 
2,845

 
1,256,120

 
1,293,791

Commercial Real Estate - Non-Owner Occupied
44

 

 

 
24,680

 
3,068

 
2,290,797

 
2,318,589

Multifamily Real Estate
86

 

 

 
84

 

 
541,560

 
541,730

Commercial & Industrial
1,921

 
1,567

 
100

 
1,851

 
1,387

 
1,086,945

 
1,093,771

Residential 1-4 Family - Commercial
2,216

 
754

 
132

 
17,227

 
1,998

 
701,618

 
723,945

Residential 1-4 Family - Mortgage
4,926

 
2,988

 
2,669

 
18,002

 
7,552

 
571,018

 
607,155

Auto
2,187

 
419

 
121

 
11

 
463

 
293,505

 
296,706

HELOC
2,505

 
1,622

 
570

 
6,890

 
1,669

 
613,660

 
626,916

Consumer and all
other(1)
2,722

 
761

 
673

 
876

 
195

 
531,981

 
537,208

Total loans held for investment
$
21,030

 
$
10,222

 
$
6,921

 
$
101,524

 
$
25,662

 
$
9,124,900

 
$
9,290,259


 (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 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, 2018 and December 31, 2017 (dollars in thousands):
 
June 30, 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
$
12,234

 
$
12,326

 
$

 
$
16,035

 
$
16,214

 
$

Commercial Real Estate - Owner Occupied
10,318

 
10,571

 

 
5,427

 
5,527

 

Commercial Real Estate - Non-Owner Occupied
7,104

 
7,382

 

 
6,017

 
6,103

 

Commercial & Industrial
4,613

 
5,144

 

 
1,681

 
1,933

 

Residential 1-4 Family - Commercial
6,548

 
7,376

 

 
4,098

 
4,879

 

Residential 1-4 Family - Mortgage
13,783

 
14,222

 

 
9,512

 
9,786

 
 
HELOC
2,922

 
3,040

 

 
2,056

 
2,144

 

Consumer and all other(1)
572

 
747

 

 
567

 
734

 

Total impaired loans without a specific allowance
$
58,094

 
$
60,808

 
$

 
$
45,393

 
$
47,320

 
$

 
 
 
 
 
 
 
 
 
 
 
 
Loans with a specific allowance
 

 
 

 
 

 
 

 
 

 
 

Construction and Land Development
$
948

 
$
957

 
$
83

 
$
1,536

 
$
1,573

 
$
122

Commercial Real Estate - Owner Occupied
2,805

 
2,808

 
59

 
1,161

 
1,161

 
94

Commercial Real Estate - Non-Owner Occupied
78

 
78

 
1

 

 

 

Commercial & Industrial
905

 
907

 
41

 
1,295

 
1,319

 
128

Residential 1-4 Family - Commercial
1,033

 
1,036

 
131

 
1,062

 
1,068

 
35

Residential 1-4 Family - Mortgage
4,813

 
4,929

 
333

 
1,953

 
2,070

 
36

Auto
881

 
1,081

 
3

 
413

 
577

 
2

HELOC
1,459

 
1,469

 
5

 
464

 
535

 
51

Consumer and all other(1)
169

 
314

 
1

 
204

 
309

 
35

Total impaired loans with a specific allowance
$
13,091

 
$
13,579

 
$
657

 
$
8,088

 
$
8,612

 
$
503

Total impaired loans
$
71,185

 
$
74,387

 
$
657

 
$
53,481

 
$
55,932

 
$
503


(1)Consumer and Other Commercial are grouped together as Consumer and all other for reporting purposes.
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, 2018 and 2017 (dollars in thousands):
 
Three Months Ended
June 30, 2018
 
Six Months Ended
June 30, 2018
 
Average
Investment
 
Interest Income
Recognized
 
Average
Investment
 
Interest Income
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 and all other(1)
756

 
9

 
776

 
16

Total impaired loans
$
71,498

 
$
473

 
$
72,255

 
$
1,027


(1)Consumer and Other Commercial are grouped together as Consumer and all other for reporting purposes.
 
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 - Commercial
4,539

 
30

 
4,570

 
66

Residential 1-4 Family - Mortgage
8,772

 
13

 
8,802

 
42

Auto
347

 
2

 
368

 
2

HELOC
2,265

 
1

 
2,273

 
5

Consumer and all other(1)
564

 
8

 
405

 
7

Total impaired loans
54,686

 
323

 
54,774

 
690

(1)Consumer and Other Commercial are grouped together as Consumer and all other for reporting purposes.
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, 2018 and December 31, 2017 (dollars in thousands):
 
June 30, 2018
 
December 31, 2017
 
No. of
Loans
 
Recorded
Investment
 
Outstanding
Commitment
 
No. of
Loans
 
Recorded
Investment
 
Outstanding
Commitment
Performing
 

 
 

 
 

 
 

 
 

 
 

Construction and Land Development
4

 
$
2,521

 
$

 
7

 
$
2,803

 
$

Commercial Real Estate - Owner Occupied
10

 
3,463

 

 
5

 
2,221

 

Commercial Real Estate - Non-Owner Occupied
2

 
570

 

 
2

 
715

 

Commercial & Industrial
4

 
888

 

 
12

 
2,057

 

Residential 1-4 Family - Commercial
22

 
2,193

 

 
16

 
1,048

 

Residential 1-4 Family - Mortgage
28

 
5,553

 

 
24

 
5,194

 

HELOC
1

 
20

 

 
1

 
20

 

Consumer and all other (1)
1

 
488

 

 
1

 
495

 

Total performing
72

 
$
15,696

 
$

 
68

 
$
14,553

 
$

Nonperforming
 

 
 

 
 

 
 

 
 

 
 

Construction and Land Development
3

 
$
1,049

 
$

 
2

 
$
702

 
$

Commercial Real Estate - Owner Occupied
2

 
209

 

 
2

 
134

 

Commercial & Industrial
9

 
781

 

 
2

 
108

 

Residential 1-4 Family - Commercial
2

 
81

 

 
5

 
558

 

Residential 1-4 Family - Mortgage
11

 
1,808

 

 
7

 
1,264

 

HELOC
1

 
58

 

 
1

 
59

 

Consumer and all other (1)
1

 
15

 

 
1

 
24

 

Total nonperforming
29

 
$
4,001

 
$

 
20

 
$
2,849

 
$

Total performing and nonperforming
101

 
$
19,697

 
$

 
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 three and six months ended June 30, 2018 and TDRs that were identified by the Company as going into default during the period shown that were restructured in the prior twelve-month period (dollars in thousands):

 
All Restructurings
 
Restructurings with Payment Default
 
Three Months Ended
June 30, 2018
 
Six Months Ended
June 30, 2018
 
Three Months Ended
June 30, 2018
 
Six Months Ended
June 30, 2018
 
No. of
Loans
 
Recorded 
Investment at
Period End
 
No. of
Loans
 
Recorded 
Investment at
Period End
 
No. of
Loans
 
Recorded 
Investment
 
No. of
Loans
 
Recorded 
Investment
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

 
1

 
$
255

 
3

 
$
1,270

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

 

 

 
1

 
60

Residential 1-4 Family - Mortgage
4

 
475

 
5

 
615

 

 

 

 

Total loan term extended at a market rate
10

 
$
2,437

 
15

 
$
3,537

 
1

 
$
255

 
4

 
$
1,330

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
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

 
1

 
$
255

 
4

 
$
1,330




























The following table shows, by segment and modification type, TDRs that occurred during the three and six months ended June 30, 2017 and TDRs that were identified by the Company as going into default during the period shown that were restructured in the prior twelve-month period (dollars in thousands):

 
All Restructurings
 
Restructurings with Payment Default
 
Three Months Ended
June 30, 2017
 
Six Months Ended
June 30, 2017
 
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
 
No. of
Loans
 
Recorded 
Investment
 
No. of
Loans
 
Recorded 
Investment
Modified to interest only, at a market rate
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Construction and Land Development

 
$

 

 
$

 
2

 
$
240

 
2

 
$
240

Commercial Real Estate - Owner Occupied

 

 

 

 
1

 
469

 
1

 
469

Commercial & Industrial

 

 
5

 
661

 

 

 

 

Residential 1-4 Family - Commercial

 

 

 

 
1

 
158

 
1

 
158

Total interest only at market rate of interest

 
$

 
5

 
$
661

 
4

 
$
867

 
4

 
$
867

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
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 - Commercial

 

 
1

 
206

 

 

 

 

Residential 1-4 Family - Mortgage
2

 
562

 
4

 
733

 

 

 

 

Consumer and all other(1)
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 - Commercial

 

 
2

 
86

 

 

 

 

Residential 1-4 Family - Mortgage
3

 
244

 
5

 
1,021

 
1

 
261

 
1

 
261

Total loan term extended at a below market rate
5

 
$
1,173

 
11

 
$
2,146

 
1

 
$
261

 
1

 
$
261

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Total
13

 
$
3,471

 
31

 
$
7,929

 
5

 
$
1,128

 
5

 
$
1,128

(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 six months ended June 30, 2018 and 2017. 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, 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

 
$
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.

 
Six Months Ended June 30, 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

 
$
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 - Commercial
3,698

 
211

 
(158
)
 
31

 
3,782

Residential 1-4 Family - Mortgage
2,701

 
55

 
(308
)
 
18

 
2,466

Auto
946

 
249

 
(586
)
 
311

 
920

HELOC
1,328

 
202

 
(573
)
 
383

 
1,340

Consumer and all other(1)
2,178

 
582

 
(1,848
)
 
2,318

 
3,230

Total
$
37,192

 
$
1,672

 
$
(4,960
)
 
$
4,310

 
$
38,214

 (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 June 30, 2018 and December 31, 2017 (dollars in thousands):
 
June 30, 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
$
13,182

 
$
83

 
$
1,232,083

 
$
9,244

 
$
5,183

 
$

 
$
1,250,448

 
$
9,327

Commercial Real Estate - Owner Occupied
13,123

 
59

 
1,253,948

 
3,881

 
26,720

 

 
1,293,791

 
3,940

Commercial Real Estate - Non-Owner Occupied
7,182

 
1

 
2,286,727

 
7,751

 
24,680

 

 
2,318,589

 
7,752

Multifamily Real Estate

 

 
541,646

 
1,730

 
84

 

 
541,730

 
1,730

Commercial & Industrial
5,518

 
41

 
1,086,402

 
6,341

 
1,851

 

 
1,093,771

 
6,382

Residential 1-4 Family - Commercial
7,581

 
131

 
699,137

 
2,406

 
17,227

 

 
723,945

 
2,537

Residential 1-4 Family - Mortgage
18,596

 
333

 
570,557

 
1,556

 
18,002

 

 
607,155

 
1,889

Auto
881

 
3

 
295,814

 
1,085

 
11

 

 
296,706

 
1,088

HELOC
4,381

 
5

 
615,645

 
1,294

 
6,890

 

 
626,916

 
1,299

Consumer and all other(1)
741

 
1

 
535,591

 
5,325

 
876

 

 
537,208

 
5,326

Total loans held for investment, net
$
71,185

 
$
657

 
$
9,117,550

 
$
40,613

 
$
101,524

 
$

 
$
9,290,259

 
$
41,270

 (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 June 30, 2018 (dollars in thousands):
 
 
Pass
 
Special Mention
 
Substandard
 
Doubtful
 
Total
Construction and Land Development
$
1,175,380

 
$
57,960

 
$
11,925

 
$

 
$
1,245,265

Commercial Real Estate - Owner Occupied
1,205,921

 
50,989

 
10,161

 

 
1,267,071

Commercial Real Estate - Non-Owner Occupied
2,245,538

 
41,367

 
7,004

 

 
2,293,909

Multifamily Real Estate
526,392

 
15,254

 

 

 
541,646

Commercial & Industrial
1,056,472

 
33,041

 
2,407

 

 
1,091,920

Residential 1-4 Family - Commercial
686,817

 
15,161

 
4,740

 

 
706,718

Residential 1-4 Family - Mortgage
572,050

 
6,353

 
10,564

 
186

 
589,153

Auto
293,409

 
2,531

 
737

 
18

 
296,695

HELOC
613,491

 
3,044

 
3,491

 

 
620,026

Consumer and all other(1)
532,554

 
3,067

 
697

 
14

 
536,332

Total
$
8,908,024

 
$
228,767

 
$
51,726

 
$
218

 
$
9,188,735

 (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 Six Months Ended
June 30,
 
2018
 
2017
Balance at beginning of period
$
14,563

 
$
19,739

Additions
12,225

 

Accretion
(4,673
)
 
(3,188
)
Reclass of nonaccretable difference due to improvement in expected cash flows
139

 
2,072

Measurement period adjustment
2,981

 

Other, net (1)
70

 
(875
)
Balance at end of period
$
25,305

 
$
17,748

 
(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, 2018 (dollars in thousands):
 
30-89 Days Past
Due
 
Greater than 90
Days
 
Current
 
Total
Construction and Land Development
$
269

 
$
1,054

 
$
3,860

 
$
5,183

Commercial Real Estate - Owner Occupied
171

 
4,026

 
22,523

 
26,720

Commercial Real Estate - Non-Owner Occupied
37

 
2,256

 
22,387

 
24,680

Multifamily Real Estate

 

 
84

 
84

Commercial & Industrial

 
536

 
1,315

 
1,851

Residential 1-4 Family - Commercial
343

 
1,994

 
14,890

 
17,227

Residential 1-4 Family - Mortgage
1,069

 
2,677

 
14,256

 
18,002

Auto

 

 
11

 
11

HELOC
405

 
659

 
5,826

 
6,890

Consumer and all other(1)
7

 
14

 
855

 
876

Total
$
2,301

 
$
13,216

 
$
86,007

 
$
101,524


 (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 June 30, 2018 (dollars in thousands):
 
 
Pass
 
Special Mention
 
Substandard
 
Doubtful
 
Total
Construction and Land Development
$
1,784

 
$
1,286

 
$
2,113

 
$

 
$
5,183

Commercial Real Estate - Owner Occupied
3,643

 
16,444

 
6,633

 

 
26,720

Commercial Real Estate - Non-Owner Occupied
3,507

 
16,103

 
5,070

 

 
24,680

Multifamily Real Estate

 
84

 

 

 
84

Commercial & Industrial
871

 
210

 
770

 

 
1,851

Residential 1-4 Family - Commercial
6,467

 
7,235

 
3,525

 

 
17,227

Residential 1-4 Family - Mortgage
11,661

 
768

 
5,573

 

 
18,002

Auto
11

 

 

 

 
11

HELOC
4,611

 
854

 
1,395

 
30

 
6,890

Consumer and all other(1)
90

 
727

 
59

 

 
876

Total
$
32,645

 
$
43,711

 
$
25,138

 
$
30

 
$
101,524

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

The following table shows the recorded investment in only 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
$
1,462

 
$
1,260

 
$
116

 
$

 
$
2,838

Commercial Real Estate - Owner Occupied
4,958

 
7,486

 
2,346

 

 
14,790

Commercial Real Estate - Non-Owner Occupied
3,920

 
1,394

 
1,296

 

 
6,610

Multifamily Real Estate

 
80

 

 

 
80

Commercial & Industrial
85

 
123

 
200

 

 
408

Residential 1-4 Family - Commercial
5,234

 
2,877

 
1,303

 

 
9,414

Residential 1-4 Family - Mortgage
2,764

 
329

 
71

 
569

 
3,733

HELOC
446

 
291

 
94

 
119

 
950

Consumer and all other(1)
148

 
41

 
9

 

 
198

Total
$
19,017

 
$
13,881

 
$
5,435

 
$
688

 
$
39,021


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