Past Due Loans, Allowance For Credit Losses, Non-Accrual Loans, and TDRS | PAST DUE LOANS, ALLOWANCE FOR CREDIT LOSSES, NON-ACCRUAL LOANS, AND TDRS Past Due and Non-accrual Loans The following table presents an aging analysis of the Company's past due loans as of June 30, 2020 and December 31, 2019 with balances presented on an amortized cost basis. The aging is determined without regard to accrual status. The table also presents non-performing loans, consisting of non-accrual loans (the majority of which are past due) and loans 90 days or more past due and still accruing interest, as of each balance sheet date. Aging Analysis of Past Due Loans and Non-performing Loans by Class (1) (Dollar amounts in thousands) Aging Analysis (Accruing and Non-accrual) Non-performing Loans Current 30-89 Days 90 Days or Total Total Non- 90 Days or More Past Due, Still Accruing Interest As of June 30, 2020 Commercial and industrial $ 4,750,932 $ 20,550 $ 18,074 $ 38,624 $ 4,789,556 $ 28,349 $ 1,090 Agricultural 373,910 ā 7,214 7,214 381,124 8,494 ā Commercial real estate: Office, retail, and industrial 1,982,798 4,973 32,547 37,520 2,020,318 35,915 596 Multi-family 870,430 1,538 2,893 4,431 874,861 3,121 ā Construction 658,892 801 27,370 28,171 687,063 27,282 88 Other commercial real estate 1,458,874 5,145 11,918 17,063 1,475,937 18,372 25 Total commercial real estate 4,970,994 12,457 74,728 87,185 5,058,179 84,690 709 Total corporate loans, 10,095,836 33,007 100,016 133,023 10,228,859 121,533 1,799 PPP loans 1,179,403 ā ā ā 1,179,403 ā ā Total corporate loans 11,275,239 33,007 100,016 133,023 11,408,262 121,533 1,799 Home equity 885,678 2,641 4,548 7,189 892,867 9,129 187 1-4 family mortgages 2,164,611 4,928 5,783 10,711 2,175,322 8,498 ā Installment 454,996 956 1,255 2,211 457,207 ā 1,255 Total consumer loans 3,505,285 8,525 11,586 20,111 3,525,396 17,627 1,442 Total loans $ 14,780,524 $ 41,532 $ 111,602 $ 153,134 $ 14,933,658 $ 139,160 $ 3,241 As of December 31, 2019 Commercial and industrial $ 4,455,381 $ 11,468 $ 14,676 $ 26,144 $ 4,481,525 $ 29,995 $ 2,207 Agricultural 398,676 850 6,090 6,940 405,616 5,954 358 Commercial real estate: Office, retail, and industrial 1,830,321 2,943 15,454 18,397 1,848,718 25,857 546 Multi-family 853,762 211 2,580 2,791 856,553 2,697 ā Construction 588,065 4,876 152 5,028 593,093 152 ā Other commercial real estate 1,377,678 3,233 2,797 6,030 1,383,708 4,729 529 Total commercial real estate 4,649,826 11,263 20,983 32,246 4,682,072 33,435 1,075 Total corporate loans 9,503,883 23,581 41,749 65,330 9,569,213 69,384 3,640 Home equity 841,908 4,992 4,554 9,546 851,454 8,443 146 1-4 family mortgages 1,917,648 5,452 3,978 9,430 1,927,078 4,442 1,203 Installment 491,406 1,167 12 1,179 492,585 ā 12 Total consumer loans 3,250,962 11,611 8,544 20,155 3,271,117 12,885 1,361 Total loans $ 12,754,845 $ 35,192 $ 50,293 $ 85,485 $ 12,840,330 $ 82,269 $ 5,001 (1) Prior to the adoption of CECL on January 1, 2020, purchased credit impaired ("PCI") loans with an accretable yield were considered current and were not included in past due loan totals. In addition, PCI loans with an accretable yield were excluded from non-accrual loans. Subsequent to adoption, PCD loans, including those previously classified as PCI, are included in past due and non-accrual loan totals. In addition, an allowance for credit losses is established as of the acquisition date or upon the adoption of CECL for loans previously classified as PCI, as PCD loans are no longer recorded net of a credit-related acquisition adjustment. Allowance for Credit Losses The Company maintains an allowance for credit losses at a level deemed adequate by management to absorb estimated losses expected in the existing loan portfolio. See Note 1, "Summary of Significant Accounting Policies," for the accounting policy for the allowance for credit losses. A rollforward of the allowance for credit losses by portfolio segment for the quarters and six months ended June 30, 2020 and 2019 is presented in the table below. PPP loans are excluded from this table as there is no allowance for credit losses associated with these loans due to guarantees. Allowance for Credit Losses by Portfolio Segment (Dollar amounts in thousands) Commercial, Office, Multi- Construction Other Consumer Allowance for Total Quarter Ended June 30, 2020 Beginning balance $ 113,733 $ 25,856 $ 3,689 $ 11,297 $ 18,554 $ 46,819 $ 6,753 $ 226,701 Allowance established 378 ā ā ā ā ā 872 1,250 Charge-offs (5,673) (3,092) (9) (798) (31) (4,631) ā (14,234) Recoveries 820 6 ā ā 12 473 ā 1,311 Net charge-offs (4,853) (3,086) (9) (798) (19) (4,158) ā (12,923) Provision for loan 14,719 1,671 1,631 1,023 3,327 10,278 ā 32,649 Ending balance $ 123,977 $ 24,441 $ 5,311 $ 11,522 $ 21,862 $ 52,939 $ 7,625 $ 247,677 Quarter Ended June 30, 2019 Beginning balance $ 64,685 $ 7,679 $ 2,216 $ 2,131 $ 4,930 $ 21,938 $ 1,200 $ 104,779 Charge-offs (6,516) (1,605) ā ā (329) (2,974) ā (11,424) Recoveries 1,258 151 ā 10 45 619 ā 2,083 Net charge-offs (5,258) (1,454) ā 10 (284) (2,355) ā (9,341) Provision for loan 6,937 1,270 (57) (279) 351 3,269 ā 11,491 Ending balance $ 66,364 $ 7,495 $ 2,159 $ 1,862 $ 4,997 $ 22,852 $ 1,200 $ 106,929 Six Months Ended June 30, 2020 Beginning balance $ 62,830 $ 7,580 $ 2,950 $ 1,697 $ 6,408 $ 26,557 $ 1,200 $ 109,222 Adjustment to apply recent accounting pronouncements (1) 20,159 11,686 397 10,300 11,427 16,235 5,553 75,757 Allowance established 12,640 2,003 ā ā ā 39 872 15,554 Charge-offs (12,739) (3,430) (19) (2,606) (339) (9,031) ā (28,164) Recoveries 1,979 15 5 ā 156 972 ā 3,127 Net charge-offs (10,760) (3,415) (14) (2,606) (183) (8,059) ā (25,037) Provision for loan 39,108 6,587 1,978 2,131 4,210 18,167 ā 72,181 Ending balance $ 123,977 $ 24,441 $ 5,311 $ 11,522 $ 21,862 $ 52,939 $ 7,625 $ 247,677 Six Months Ended June 30, 2019 Beginning balance $ 63,276 $ 7,900 $ 2,464 $ 2,173 $ 4,934 $ 21,472 $ 1,200 $ 103,419 Charge-offs (12,967) (2,233) (340) (6) (539) (6,116) ā (22,201) Recoveries 2,559 161 1 16 66 973 ā 3,776 Net charge-offs (10,408) (2,072) (339) 10 (473) (5,143) ā (18,425) Provision for loan 13,496 1,667 34 (321) 536 6,523 ā 21,935 Ending balance $ 66,364 $ 7,495 $ 2,159 $ 1,862 $ 4,997 $ 22,852 $ 1,200 $ 106,929 (1) As a result of accounting guidance adopted in the first quarter of 2020, the increase in allowance for credit losses, net of tax, was recognized as a cumulative-effect adjustment to retained earnings as of January 1, 2020. For further discussion of this guidance, see Note 2, "Recent Accounting Pronouncements and Other Guidance." The allowance for credit losses increased from December 31, 2019 primarily due to the adoption of CECL and the estimated impact of the pandemic on the allowance for credit losses, which considers multiple macroeconomic scenarios of stressed GDP, unemployment, and housing price index, detailed portfolio reviews of elevated risk sectors, and the effects of governmental responses to the pandemic. The table below provides a breakdown of loans and the related allowance for credit losses by portfolio segment as of June 30, 2020 and December 31, 2019. Loans and Related Allowance for Credit Losses by Portfolio Segment (Dollar amounts in thousands) Loans Allowance for Credit Losses Individually Collectively PCD/PCI (1) Total Individually Collectively PCD/PCI (1) Total As of June 30, 2020 Commercial, industrial, $ 25,190 $ 5,049,876 $ 95,614 $ 5,170,680 $ 4,805 $ 102,735 $ 16,437 $ 123,977 Commercial real estate: Office, retail, and industrial 25,165 1,956,597 38,556 2,020,318 885 14,964 8,592 24,441 Multi-family 1,785 871,545 1,531 874,861 ā 5,126 185 5,311 Construction 18,611 646,355 22,097 687,063 ā 4,624 6,898 11,522 Other commercial real estate 3,806 1,410,080 62,051 1,475,937 44 10,332 11,486 21,862 Total commercial real estate 49,367 4,884,577 124,235 5,058,179 929 35,046 27,161 63,136 Total corporate loans, 74,557 9,934,453 219,849 10,228,859 5,734 137,781 43,598 187,113 PPP loans ā 1,179,403 ā 1,179,403 ā ā ā ā Total corporate loans 74,557 11,113,856 219,849 11,408,262 5,734 137,781 43,598 187,113 Consumer 23 3,502,015 23,358 3,525,396 ā 52,103 836 52,939 Allowance for unfunded ā ā ā ā ā 7,625 ā 7,625 Total loans $ 74,580 $ 14,615,871 $ 243,207 $ 14,933,658 $ 5,734 $ 197,509 $ 44,434 $ 247,677 As of December 31, 2019 Commercial, industrial, and $ 34,142 $ 4,807,114 $ 45,885 $ 4,887,141 $ 3,414 $ 59,108 $ 308 $ 62,830 Commercial real estate: Office, retail, and industrial 24,820 1,795,557 28,341 1,848,718 578 6,899 103 7,580 Multi-family 1,995 851,857 2,701 856,553 ā 2,854 96 2,950 Construction 123 581,747 11,223 593,093 ā 1,681 16 1,697 Other commercial real estate 3,241 1,323,635 56,832 1,383,708 ā 4,867 1,541 6,408 Total commercial real estate 30,179 4,552,796 99,097 4,682,072 578 16,301 1,756 18,635 Total corporate loans 64,321 9,359,910 144,982 9,569,213 3,992 75,409 2,064 81,465 Consumer ā 3,248,916 22,201 3,271,117 ā 25,424 1,133 26,557 Allowance for unfunded ā ā ā ā ā 1,200 ā 1,200 Total loans $ 64,321 $ 12,608,826 $ 167,183 $ 12,840,330 $ 3,992 $ 102,033 $ 3,197 $ 109,222 (1) Prior to the adoption of CECL on January 1, 2020, loans that had evidence of credit deterioration since origination and for which it was probable at acquisition that the Company would not collect all contractually required principal and interest payments were classified as PCI. The following table presents collateral-dependent loans, including PCD loans, without regard to accrual status by primary collateral type and non-accrual loans with no related allowance as of June 30, 2020. PPP loans are excluded from this table as there is no allowance for credit losses associated with these loans due to guarantees. Collateral-dependent Loans and Non-accrual Loans With No Related Allowance by Class (Dollar amounts in thousands) Type of Collateral Non-accrual Loans Real Blanket Equipment Commercial and industrial $ 6,870 $ 45,235 $ 3,169 $ 6,338 Agricultural 3,417 4,719 ā 4,485 Commercial real estate: Office, retail, and industrial 44,538 ā ā 17,293 Multi-family 2,606 ā ā 1,785 Construction 28,779 ā ā 19,043 Other commercial real estate 33,845 ā ā 11,789 Total commercial real estate 109,768 ā ā 49,910 Total corporate loans 120,055 49,954 3,169 60,733 Home equity 244 ā ā 123 1-4 family mortgages 2,665 ā ā 527 Installment ā ā ā ā Total consumer loans 2,909 ā ā 650 Total loans $ 122,964 $ 49,954 $ 3,169 $ 61,383 Loans Individually Evaluated The following table presents loans individually evaluated by class of loan as of June 30, 2020 and December 31, 2019. PCD and PCI loans are excluded from this disclosure. Loans Individually Evaluated by Class (Dollar amounts in thousands) As of June 30, 2020 As of December 31, 2019 Recorded Investment In Recorded Investment In Loans with Loans with Unpaid Specific Loans with Loans with Unpaid Specific Commercial and industrial $ 4,884 $ 12,170 $ 37,153 $ 3,018 $ 12,885 $ 15,516 $ 52,559 $ 2,456 Agricultural 4,485 3,651 13,032 1,787 1,889 3,852 9,293 958 Commercial real estate: Office, retail, and industrial 15,839 9,326 28,730 885 14,111 10,709 37,007 578 Multi-family 1,785 ā 1,785 ā 1,995 ā 1,995 ā Construction 18,611 ā 18,611 ā 123 ā 123 ā Other commercial real estate 3,357 449 4,103 44 3,241 ā 3,495 ā Total commercial real estate 39,592 9,775 53,229 929 19,470 10,709 42,620 578 Total corporate loans 48,961 25,596 103,414 5,734 34,244 30,077 104,472 3,992 Consumer 23 ā 23 ā ā ā ā ā Total non-accrual loans $ 48,984 $ 25,596 $ 103,437 $ 5,734 $ 34,244 $ 30,077 $ 104,472 $ 3,992 Interest income recognized on non-accrual loans using the cash basis of accounting for the quarters ended and six months ended June 30, 2020 and 2019 was $110,000 and $388,000, respectively, and $69,000 and $148,000 for the same periods in 2019. Credit Quality Indicators Corporate loans and commitments are assessed for credit risk and assigned ratings based on various characteristics, such as the borrower's cash flow, leverage, and collateral. Ratings for commercial credits are reviewed at least annually or more often if events or circumstances arise that could impact the rating. The following tables present credit quality indicators for corporate and consumer loans on an amortized cost basis as of June 30, 2020 and net loan charge-offs for the six months ended June 30, 2020. PPP loans are excluded from this table as there is no allowance for credit losses associated with these loans due to guarantees. Corporate Loan Portfolio by Origination Year (Dollar amounts in thousands) 2020 (1) 2019 2018 2017 2016 Prior Revolving Loans Total Commercial, industrial, agricultural: Pass $ 461,644 $ 887,292 $ 924,776 $ 519,875 $ 238,751 $ 469,442 $ 1,364,316 $ 4,866,096 Special Mention (2) 3,508 6,520 31,435 4,676 8,527 17,568 80,597 152,831 Substandard (3) 384 4,376 26,729 17,862 16,583 15,804 33,172 114,910 Non-accrual (4) ā 1,771 2,381 8,505 4,806 6,682 12,698 36,843 Total commercial, $ 465,536 $ 899,959 $ 985,321 $ 550,918 $ 268,667 $ 509,496 $ 1,490,783 $ 5,170,680 Commercial, industrial, $ ā $ 250 $ 946 $ 1,058 $ 617 $ 1,853 $ 6,036 $ 10,760 Office, retail, and industrial: Pass $ 95,291 $ 266,479 $ 225,938 $ 348,121 $ 302,430 $ 677,880 $ 5,491 $ 1,921,630 Special Mention (2) 1,173 655 3,280 5,091 15,439 12,914 ā 38,552 Substandard (3) ā ā ā 337 1,514 22,370 ā 24,221 Non-accrual (4) ā ā 132 ā 10,238 25,545 ā 35,915 Total office, retail, $ 96,464 $ 267,134 $ 229,350 $ 353,549 $ 329,621 $ 738,709 $ 5,491 $ 2,020,318 Office, retail, and $ ā $ 333 $ 156 $ ā $ 1,628 $ 1,298 $ ā $ 3,415 Multi-family: Pass $ 125,328 $ 174,802 $ 84,791 $ 101,492 $ 101,846 $ 239,713 $ 36,111 $ 864,083 Special Mention (2) ā ā ā ā 358 1,416 ā 1,774 Substandard (3) ā ā 387 81 ā 5,415 ā 5,883 Non-accrual (4) ā ā ā 1,785 237 1,099 ā 3,121 Total multi-family $ 125,328 $ 174,802 $ 85,178 $ 103,358 $ 102,441 $ 247,643 $ 36,111 $ 874,861 Multi-family net loan $ ā $ 3 $ ā $ 1 $ ā $ 10 $ ā $ 14 Construction: Pass $ 33,890 $ 151,849 $ 171,480 $ 101,781 $ 71,001 $ 70,950 $ 33,016 $ 633,967 Special Mention (2) ā ā 45 3,032 14,221 1,228 ā 18,526 Substandard (3) ā ā ā ā ā 7,288 ā 7,288 Non-accrual (4) ā ā ā ā ā 25,591 1,691 27,282 Total construction $ 33,890 $ 151,849 $ 171,525 $ 104,813 $ 85,222 $ 105,057 $ 34,707 $ 687,063 Construction net loan $ ā $ 118 $ ā $ 798 $ ā $ 1,690 $ ā $ 2,606 Other commercial real estate: Pass $ 61,056 $ 195,768 $ 269,526 $ 226,064 $ 125,249 $ 466,436 $ 27,553 $ 1,371,652 Special Mention (2) ā 3,532 7,589 6,887 11,219 15,463 ā 44,690 Substandard (3) ā ā ā 1,400 4,224 35,599 ā 41,223 Non-accrual (4) ā ā 674 4,150 1,078 12,377 93 18,372 Total other $ 61,056 $ 199,300 $ 277,789 $ 238,501 $ 141,770 $ 529,875 $ 27,646 $ 1,475,937 Other commercial real $ ā $ 38 $ 1 $ ā $ 183 $ (39) $ ā $ 183 (1) Represents year-to-date loans originated during 2020. (2) Loans categorized as special mention exhibit potential weaknesses that require the close attention of management since these potential weaknesses may result in the deterioration of repayment prospects in the future. (3) Loans categorized as substandard exhibit well-defined weaknesses that may jeopardize the liquidation of the debt. These loans continue to accrue interest because they are well-secured, and collection of principal and interest is expected within a reasonable time. (4) Loans categorized as non-accrual exhibit well-defined weaknesses that may jeopardize the liquidation of the debt or result in a loss if the deficiencies are not corrected. Consumer Loan Portfolio by Origination Year (Dollar amounts in thousands) 2020 (1) 2019 2018 2017 2016 Prior Revolving Loans Total Home equity: Performing $ 8,231 $ 48,696 $ 27,783 $ 13,809 $ 11,878 $ 57,053 $ 716,288 $ 883,738 Non-accrual ā 22 125 264 482 6,801 1,435 9,129 Total home equity $ 8,231 $ 48,718 $ 27,908 $ 14,073 $ 12,360 $ 63,854 $ 717,723 $ 892,867 Home equity net $ ā $ ā $ 1 $ ā $ 1 $ 42 $ (14) $ 30 1-4 family mortgages: Performing $ 597,506 $ 676,898 $ 311,884 $ 158,230 $ 181,912 $ 240,394 $ ā $ 2,166,824 Non-accrual ā ā 438 83 63 7,914 ā 8,498 Total 1-4 family $ 597,506 $ 676,898 $ 312,322 $ 158,313 $ 181,975 $ 248,308 $ ā $ 2,175,322 1-4 family mortgages $ ā $ ā $ 4 $ ā $ 7 $ 735 $ ā $ 746 Installment: Performing $ 59,971 $ 185,919 $ 107,220 $ 45,108 $ 17,563 $ 20,662 $ 20,764 $ 457,207 Non-accrual ā ā ā ā ā ā ā ā Total installment $ 59,971 $ 185,919 $ 107,220 $ 45,108 $ 17,563 $ 20,662 $ 20,764 $ 457,207 Installment net loan $ 44 $ 3,757 $ 2,200 $ 775 $ 85 $ 393 $ 29 $ 7,283 (1) Represents year-to-date loans originated during 2020. During the quarter and six months ended June 30, 2020, $16.8 million and $23.8 million, respectively, of revolving loans converted to term loans. The following tables present credit quality indicators by class for corporate and consumer loans on an amortized cost basis as of December 31, 2019. Corporate Credit Quality Indicators by Class (Dollar amounts in thousands) Pass Special Mention (1) Substandard (2) Non-accrual (3) Total As of December 31, 2019 Commercial and industrial $ 4,324,709 $ 47,665 $ 79,156 $ 29,995 $ 4,481,525 Agricultural 350,827 32,764 16,071 5,954 405,616 Commercial real estate: Office, retail, and industrial 1,747,287 42,230 33,344 25,857 1,848,718 Multi-family 839,615 8,279 5,962 2,697 856,553 Construction 564,495 17,977 10,469 152 593,093 Other commercial real estate 1,295,155 39,788 44,036 4,729 1,383,708 Total commercial real estate 4,446,552 108,274 93,811 33,435 4,682,072 Total corporate loans $ 9,122,088 $ 188,703 $ 189,038 $ 69,384 $ 9,569,213 (1) Loans categorized as special mention exhibit potential weaknesses that require the close attention of management since these potential weaknesses may result in the deterioration of repayment prospects in the future. (2) Loans categorized as substandard exhibit a well-defined weakness that may jeopardize the liquidation of the debt. These loans continue to accrue interest because they are well-secured and collection of principal and interest is expected within a reasonable time. (3) Loans categorized as non-accrual exhibit a well-defined weakness that may jeopardize the liquidation of the debt or result in a loss if the deficiencies are not corrected. Consumer Credit Quality Indicators by Class (Dollar amounts in thousands) Performing Non-accrual Total As of December 31, 2019 Home equity $ 843,011 $ 8,443 $ 851,454 1-4 family mortgages 1,922,636 4,442 1,927,078 Installment 492,585 ā 492,585 Total consumer loans $ 3,258,232 $ 12,885 $ 3,271,117 TDRs TDRs are generally performed at the request of the individual borrower and may include forgiveness of principal, reduction in interest rates, changes in payments, and maturity date extensions. The table below presents TDRs by class as of June 30, 2020 and December 31, 2019. See Note 1, "Summary of Significant Accounting Policies," for the accounting policy for TDRs. TDRs by Class (Dollar amounts in thousands) As of June 30, 2020 As of December 31, 2019 Accruing Non-accrual (1) Total Accruing Non-accrual (1) Total Commercial and industrial $ 188 $ 9,336 $ 9,524 $ 227 $ 16,420 $ 16,647 Agricultural ā ā ā ā ā ā Commercial real estate: Office, retail, and industrial ā 2,340 2,340 ā 3,600 3,600 Multi-family 160 ā 160 163 ā 163 Construction ā ā ā ā ā ā Other commercial real estate 198 ā 198 170 ā 170 Total commercial real estate 358 2,340 2,698 333 3,600 3,933 Total corporate loans 546 11,676 12,222 560 20,020 20,580 Home equity 31 179 210 36 240 276 1-4 family mortgages 624 238 862 637 ā 637 Installment ā ā ā ā 254 254 Total consumer loans 655 417 1,072 673 494 1,167 Total loans $ 1,201 $ 12,093 $ 13,294 $ 1,233 $ 20,514 $ 21,747 (1) These TDRs are included in non-accrual loans in the preceding tables. TDRs are included in the calculation of the allowance for credit losses in the same manner as non-accrual loans. As of June 30, 2020 and December 31, 2019, there were $2.4 million and $2.2 million of specific allowances, respectively, related to TDRs. There were no material restructurings during the quarters and six months ended June 30, 2020 and 2019. Accruing TDRs that do not perform in accordance with their modified terms are transferred to non-accrual. There were no material TDRs that defaulted within twelve months of the restructure date during the quarters and six months ended June 30, 2020 and 2019. A rollforward of the carrying value of TDRs for the quarters and six months ended June 30, 2020 and 2019 is presented in the following table. TDR Rollforward (Dollar amounts in thousands) Quarters Ended Six Months Ended 2020 2019 2020 2019 Accruing Beginning balance $ 1,216 $ 1,844 $ 1,233 $ 1,866 Additions ā ā ā 12 Net payments (15) (20) (32) (54) Net transfers to non-accrual ā (383) ā (383) Ending balance 1,201 1,441 1,201 1,441 Non-accrual Beginning balance 17,917 9,375 20,514 6,612 Additions ā ā 934 ā Net (payments) advances (2,595) (1,447) (3,253) 1,474 Charge-offs (3,229) (470) (6,102) (628) Net transfers from accruing ā 383 ā 383 Ending balance 12,093 7,841 12,093 7,841 Total TDRs $ 13,294 $ 9,282 $ 13,294 $ 9,282 There were $813,000 and $530,000 of commitments to lend additional funds to borrowers with TDRs as of June 30, 2020 and December 31, 2019, respectively. |