Loans | 90 days and Accruing Dollars in thousands 30-59 days 60-89 days > 90 days Total Current Commercial $ 327 $ 137 $ 700 $ 1,164 $ 202,974 $ — Commercial real estate Owner-occupied 520 — 4,454 4,974 257,927 — Non-owner occupied — 1,205 1,463 2,668 572,009 — Construction and development Land and land development 258 — 43 301 67,468 — Construction — — — — 46,975 — Residential mortgage Non-jumbo 5,686 806 2,564 9,056 351,696 119 Jumbo 642 — — 642 69,529 — Home equity 101 94 258 453 80,920 21 Mortgage warehouse lines — — — — 101,607 — Consumer 230 63 109 402 36,313 68 Other — — 100 100 11,824 — Total $ 7,764 $ 2,305 $ 9,691 $ 19,760 $ 1,799,242 $ 208 At December 31, 2018 Past Due > 90 days and Accruing Dollars in thousands 30-59 days 60-89 days > 90 days Total Current Commercial $ 254 $ 51 $ 483 $ 788 $ 193,527 $ — Commercial real estate Owner-occupied — — 612 612 256,644 — Non-owner occupied 156 255 1,756 2,167 571,765 — Construction and development Land and land development 190 4 3,174 3,368 65,465 — Construction — — — — 24,731 — Residential mortgage Non-jumbo 4,120 2,235 3,753 10,108 326,869 — Jumbo — — 675 675 72,924 — Home equity 754 261 181 1,196 79,714 — Mortgage warehouse lines — — — — 39,140 — Consumer 502 121 125 748 31,712 36 Other 31 — — 31 12,868 — Total $ 6,007 $ 2,927 $ 10,759 $ 19,693 $ 1,675,359 $ 36 Nonaccrual loans: The following table presents the nonaccrual loans included in the net balance of loans at June 30, 2019 and December 31, 2018 . June 30, December 31, Dollars in thousands 2019 2018 Commercial $ 948 $ 935 Commercial real estate Owner-occupied 4,624 1,028 Non-owner occupied 1,920 2,210 Construction and development Land & land development 66 3,198 Construction — — Residential mortgage Non-jumbo 4,561 6,532 Jumbo 642 675 Home equity 314 299 Mortgage warehouse lines — — Consumer 92 112 Other 100 — Total $ 13,267 $ 14,989 Impaired loans: Impaired loans include the following: ▪ Loans which we risk-rate (loan relationships having aggregate balances in excess of $ 2.5 million , or loans exceeding $ 500,000 and exhibiting credit weakness) through our normal loan review procedures and which, based on current information and events, it is probable that we will be unable to collect all amounts due in accordance with the original contractual terms of the loan agreement. Risk-rated loans with insignificant delays or insignificant short falls in the amount of payments expected to be collected are not considered to be impaired. ▪ Loans that have been modified in a troubled debt restructuring. Both commercial and consumer loans are deemed impaired upon being contractually modified in a troubled debt restructuring. Troubled debt restructurings typically result from our loss mitigation activities and occur when we grant a concession to a borrower who is experiencing financial difficulty in order to minimize our economic loss and to avoid foreclosure or repossession of collateral. Once restructured, a loan is generally considered impaired until its maturity, regardless of whether the borrower performs under the modified terms. Although such a loan may be returned to accrual status if the criteria set forth in accounting principles generally accepted in the United States are met, the loan would continue to be evaluated for an asset-specific allowance for loan losses and we would continue to report the loan in the impaired loan table below. The following tables present loans individually evaluated for impairment at June 30, 2019 and December 31, 2018 . June 30, 2019 Dollars in thousands Recorded Investment Unpaid Principal Balance Related Allowance Average Impaired Balance Interest Income Recognized while impaired Without a related allowance Commercial $ 5,215 $ 5,216 $ — $ 5,371 $ 334 Commercial real estate Owner-occupied 8,867 8,872 — 8,822 207 Non-owner occupied 10,814 10,821 — 9,967 504 Construction and development Land & land development 1,088 1,088 — 1,129 68 Construction — — — — — Residential real estate Non-jumbo 3,705 3,711 — 3,698 198 Jumbo 4,022 4,021 — 4,044 190 Home equity 523 523 — 523 32 Mortgage warehouse lines — — — — — Consumer 15 15 — 10 1 Total without a related allowance $ 34,249 $ 34,267 $ — $ 33,564 $ 1,534 With a related allowance Commercial $ 269 $ 269 $ 30 $ 184 $ 1 Commercial real estate Owner-occupied 2,915 2,914 444 2,924 114 Non-owner occupied — — — — — Construction and development Land & land development 1,035 1,036 521 1,041 57 Construction — — — — — Residential real estate Non-jumbo 2,371 2,370 678 2,341 74 Jumbo — — — — — Home equity — — — — — Mortgage warehouse lines — — — — — Consumer — — — — — Total with a related allowance $ 6,590 $ 6,589 $ 1,673 $ 6,490 $ 246 Total Commercial $ 30,203 $ 30,216 $ 995 $ 29,438 $ 1,285 Residential real estate 10,621 10,625 678 10,606 494 Consumer 15 15 — 10 1 Total $ 40,839 $ 40,856 $ 1,673 $ 40,054 $ 1,780 The table above does not include PCI loans. December 31, 2018 Dollars in thousands Recorded Investment Unpaid Principal Balance Related Allowance Average Impaired Balance Interest Income Recognized while impaired Without a related allowance Commercial $ 1,019 $ 1,253 $ — $ 321 $ 16 Commercial real estate Owner-occupied 8,600 8,605 — 7,730 318 Non-owner occupied 9,666 9,673 — 9,753 493 Construction and development Land & land development 4,767 4,767 — 4,947 102 Construction — — — — — Residential real estate Non-jumbo 3,279 3,284 — 3,401 180 Jumbo 4,132 4,130 — 3,517 166 Home equity 523 523 — 523 30 Mortgage warehouse lines — — — — — Consumer 9 10 — 13 1 Total without a related allowance $ 31,995 $ 32,245 $ — $ 30,205 $ 1,306 With a related allowance Commercial $ 3,343 $ 3,342 $ 682 $ 705 $ 39 Commercial real estate Owner-occupied 2,969 2,969 462 2,397 117 Non-owner occupied 189 191 9 226 16 Construction and development Land & land development 1,057 1,057 298 1,073 56 Construction — — — — — Residential real estate Non-jumbo 2,982 2,981 585 2,539 98 Jumbo 821 822 106 827 48 Home equity — — — — — Mortgage warehouse lines — — — — — Consumer — — — — — Total with a related allowance $ 11,361 $ 11,362 $ 2,142 $ 7,767 $ 374 Total Commercial $ 31,610 $ 31,857 $ 1,451 $ 27,152 $ 1,157 Residential real estate 11,737 11,740 691 10,807 522 Consumer 9 10 — 13 1 Total $ 43,356 $ 43,607 $ 2,142 $ 37,972 $ 1,680 The table above does not include PCI loans. Included in impaired loans are TDRs of $26.2 million , of which $23.2 million were current with respect to restructured contractual payments at June 30, 2019 , and $27 million , of which $26.6 million were current with respect to restructured contractual payments at December 31, 2018 . There were no commitments to lend additional funds under these restructurings at either balance sheet date. The following tables present by class the TDRs that were restructured during the three and six months ended June 30, 2019 and June 30, 2018 . Generally, the modifications were extensions of term, modifying the payment terms from principal and interest to interest only for an extended period, or reduction in interest rate. All TDRs are evaluated individually for allowance for loan loss purposes. For the Three Months Ended For the Three Months Ended Dollars in thousands Number of Modifications Pre-modification Recorded Investment Post-modification Recorded Investment Number of Modifications Pre-modification Recorded Investment Post-modification Recorded Investment Commercial — $ — $ — 2 $ 157 $ 157 Residential real estate Non-jumbo — — — 5 741 741 Total — $ — $ — 7 $ 898 $ 898 For the Six Months Ended For the Six Months Ended Dollars in thousands Number of Modifications Pre-modification Recorded Investment Post-modification Recorded Investment Number of Modifications Pre-modification Recorded Investment Post-modification Recorded Investment Commercial — $ — $ — 2 $ 157 $ 157 Commercial real estate Owner-occupied 1 325 325 — — — Non-owner occupied 4 324 324 — — — Residential real estate Non-jumbo 7 410 410 6 805 805 Consumer 1 16 16 — — — Total 13 $ 1,075 $ 1,075 8 $ 962 $ 962 The following tables present defaults during the stated period of TDRs that were restructured during the past twelve months. For purposes of these tables, a default is considered as either the loan was past due 30 days or more at any time during the period, or the loan was fully or partially charged off during the period. For the Three Months Ended For the Three Months Ended Dollars in thousands Number of Defaults Recorded Investment at Default Date Number of Defaults Recorded Investment at Default Date Commercial — $ — 2 $ 157 Commercial real estate Owner-occupied — — 1 2,302 Non-owner occupied 1 126 1 341 Construction and development Land & land development — — 1 438 Residential real estate Non-jumbo 4 193 2 506 Total 5 $ 319 7 $ 3,744 For the Six Months Ended For the Six Months Ended Dollars in thousands Number of Defaults Recorded Investment at Default Date Number of Defaults Recorded Investment at Default Date Commercial — $ — 2 $ 157 Commercial real estate Owner-occupied — — 1 2,302 Non-owner occupied 1 126 1 341 Construction and development Land & land development — — 1 438 Residential real estate Non-jumbo 4 193 3 712 Total 5 $ 319 8 $ 3,950 The following tables detail the activity regarding TDRs by loan type, net of fees, for the three and six months ended June 30, 2019 , and the related allowance on TDRs. For the Three Months Ended June 30, 2019 Construction & Land Development Commercial Real Estate Residential Real Estate Dollars in thousands Land & Land Develop- ment Construc- tion Commer- cial Owner Occupied Non- Owner Occupied Non- jumbo Jumbo Home Equity Mortgage Warehouse Lines Con- sumer Other Total Troubled debt restructurings Balance April 1, 2019 $ 2,629 $ — $ 265 $ 9,629 $ 5,676 $ 4,869 $ 4,231 $ 523 $ — $ 23 $ — $ 27,845 Additions — — — — — — — — — — — — Charge-offs — — — — — — — — — — — — Net (paydowns) advances (506 ) — (32 ) (41 ) (52 ) (174 ) (851 ) — — (8 ) — (1,664 ) Transfer into foreclosed properties — — — — — — — — — — — — Refinance out of TDR status — — — — — — — — — — — — Balance, June 30, 2019 $ 2,123 $ — $ 233 $ 9,588 $ 5,624 $ 4,695 $ 3,380 $ 523 $ — $ 15 $ — $ 26,181 Allowance related to troubled debt restructurings $ 521 $ — $ 6 $ 271 $ — $ 200 $ — $ — $ — $ — $ — $ 998 For the Six Months Ended June 30, 2019 Construction & Land Development Commercial Real Estate Residential Real Estate Dollars in thousands Land & Land Develop- ment Construc- tion Commer- cial Owner Occupied Non- Owner Occupied Non- jumbo Jumbo Home Equity Mortgage Warehouse Lines Con- sumer Other Total Troubled debt restructurings Balance January 1, 2019 $ 2,654 $ — $ 273 $ 9,365 $ 5,404 $ 4,490 $ 4,278 $ 523 $ — $ 10 $ — $ 26,997 Additions — — — 325 324 410 — — — 16 — 1,075 Charge-offs — — — — — — — — — — — — Net (paydowns) advances (531 ) — (40 ) (102 ) (104 ) (205 ) (898 ) — — (11 ) — (1,891 ) Transfer into foreclosed properties — — — — — — — — — — — — Refinance out of TDR status — — — — — — — — — — — — Balance, June 30, 2019 $ 2,123 $ — $ 233 $ 9,588 $ 5,624 $ 4,695 $ 3,380 $ 523 $ — $ 15 $ — $ 26,181 Allowance related to troubled debt restructurings $ 521 $ — $ 6 $ 271 $ — $ 200 $ — $ — $ — $ — $ — $ 998 The following table presents the recorded investment in construction and development, commercial, and commercial real estate loans which are generally evaluated based upon our internal risk ratings. Loan Risk Profile by Internal Risk Rating Construction and Development Commercial Real Estate Land and Land Development Construction Commercial Owner Occupied Non-Owner Occupied Mortgage Warehouse Lines Dollars in thousands 6/30/2019 12/31/2018 6/30/2019 12/31/2018 6/30/2019 12/31/2018 6/30/2019 12/31/2018 6/30/2019 12/31/2018 6/30/2019 12/31/2018 Pass $ 65,893 $ 63,743 $ 46,835 $ 24,589 $ 196,706 $ 182,651 $ 255,527 $ 250,254 $ 565,858 $ 565,715 $ 101,607 $ 39,140 OLEM (Special Mention) 461 472 140 142 1,572 6,748 2,421 1,864 1,653 1,554 — — Substandard 1,415 4,618 — — 5,860 4,916 4,953 5,138 7,166 6,663 — — Doubtful — — — — — — — — — — — — Loss — — — — — — — — — — — — Total $ 67,769 $ 68,833 $ 46,975 $ 24,731 $ 204,138 $ 194,315 $ 262,901 $ 257,256 $ 574,677 $ 573,932 $ 101,607 $ 39,140 The following table presents the recorded investment and payment activity in consumer, residential real estate, and home equity loans, which are generally evaluated based on the aging status of the loans. Performing Nonperforming Dollars in thousands 6/30/2019 12/31/2018 6/30/2019 12/31/2018 Residential real estate Non-jumbo $ 356,071 $ 330,445 $ 4,681 $ 6,532 Jumbo 69,529 72,924 642 675 Home Equity 81,039 80,611 334 299 Consumer 36,555 32,312 160 148 Other 11,824 12,899 100 — Total $ 555,018 $ 529,191 $ 5,917 $ 7,654" id="sjs-B4">LOANS Loans are summarized as follows: Dollars in thousands June 30, December 31, Commercial $ 204,138 $ 194,315 Commercial real estate Owner-occupied 262,901 257,256 Non-owner occupied 574,677 573,932 Construction and development Land and land development 67,769 68,833 Construction 46,975 24,731 Residential real estate Non-jumbo 360,752 336,977 Jumbo 70,171 73,599 Home equity 81,373 80,910 Mortgage warehouse lines 101,607 39,140 Consumer 36,715 32,460 Other 11,924 12,899 Total loans, net of unearned fees 1,819,002 1,695,052 Less allowance for loan losses 13,152 13,047 Loans, net $ 1,805,850 $ 1,682,005 The outstanding balance and the recorded investment of acquired loans included in the consolidated balance sheet at June 30, 2019 and December 31, 2018 are as follows: Acquired Loans June 30, 2019 December 31, 2018 Dollars in thousands Purchased Credit Impaired Purchased Performing Total Purchased Credit Impaired Purchased Performing Total Outstanding balance $ 4,282 $ 154,564 $ 158,846 $ 4,275 $ 138,167 $ 142,442 Recorded investment Commercial $ — $ 4,056 $ 4,056 $ — $ 3,934 $ 3,934 Commercial real estate Owner-occupied — 19,729 19,729 — 16,133 16,133 Non-owner occupied 1,262 16,801 18,063 1,162 23,431 24,593 Construction and development Land and land development — 4,178 4,178 — 5,161 5,161 Construction — — — — — — Residential real estate Non-jumbo 1,293 96,352 97,645 1,374 77,894 79,268 Jumbo 962 3,144 4,106 975 2,577 3,552 Home equity — 2,440 2,440 — 2,805 2,805 Consumer — 5,854 5,854 — 4,630 4,630 Other — 15 15 — 122 122 Total recorded investment $ 3,517 $ 152,569 $ 156,086 $ 3,511 $ 136,687 $ 140,198 The following table presents a summary of the change in the accretable yield of the purchased credit impaired ("PCI") loan portfolio for the three and six months ended June 30, 2019 and 2018 : For the Three Months Ended June 30, For the Six Months Ended June 30, Dollars in thousands 2019 2018 2019 2018 Accretable yield $ 623 $ 708 $ 632 $ 745 Accretion (26 ) (32 ) (34 ) (69 ) Reclassification of nonaccretable difference due to improvement in expected cash flows — — — — Other changes, net — — (1 ) — Accretable yield, June 30 $ 597 $ 676 $ 597 $ 676 The following table presents the contractual aging of the recorded investment in past due loans by class as of June 30, 2019 and December 31, 2018 . At June 30, 2019 Past Due > 90 days and Accruing Dollars in thousands 30-59 days 60-89 days > 90 days Total Current Commercial $ 327 $ 137 $ 700 $ 1,164 $ 202,974 $ — Commercial real estate Owner-occupied 520 — 4,454 4,974 257,927 — Non-owner occupied — 1,205 1,463 2,668 572,009 — Construction and development Land and land development 258 — 43 301 67,468 — Construction — — — — 46,975 — Residential mortgage Non-jumbo 5,686 806 2,564 9,056 351,696 119 Jumbo 642 — — 642 69,529 — Home equity 101 94 258 453 80,920 21 Mortgage warehouse lines — — — — 101,607 — Consumer 230 63 109 402 36,313 68 Other — — 100 100 11,824 — Total $ 7,764 $ 2,305 $ 9,691 $ 19,760 $ 1,799,242 $ 208 At December 31, 2018 Past Due > 90 days and Accruing Dollars in thousands 30-59 days 60-89 days > 90 days Total Current Commercial $ 254 $ 51 $ 483 $ 788 $ 193,527 $ — Commercial real estate Owner-occupied — — 612 612 256,644 — Non-owner occupied 156 255 1,756 2,167 571,765 — Construction and development Land and land development 190 4 3,174 3,368 65,465 — Construction — — — — 24,731 — Residential mortgage Non-jumbo 4,120 2,235 3,753 10,108 326,869 — Jumbo — — 675 675 72,924 — Home equity 754 261 181 1,196 79,714 — Mortgage warehouse lines — — — — 39,140 — Consumer 502 121 125 748 31,712 36 Other 31 — — 31 12,868 — Total $ 6,007 $ 2,927 $ 10,759 $ 19,693 $ 1,675,359 $ 36 Nonaccrual loans: The following table presents the nonaccrual loans included in the net balance of loans at June 30, 2019 and December 31, 2018 . June 30, December 31, Dollars in thousands 2019 2018 Commercial $ 948 $ 935 Commercial real estate Owner-occupied 4,624 1,028 Non-owner occupied 1,920 2,210 Construction and development Land & land development 66 3,198 Construction — — Residential mortgage Non-jumbo 4,561 6,532 Jumbo 642 675 Home equity 314 299 Mortgage warehouse lines — — Consumer 92 112 Other 100 — Total $ 13,267 $ 14,989 Impaired loans: Impaired loans include the following: ▪ Loans which we risk-rate (loan relationships having aggregate balances in excess of $ 2.5 million , or loans exceeding $ 500,000 and exhibiting credit weakness) through our normal loan review procedures and which, based on current information and events, it is probable that we will be unable to collect all amounts due in accordance with the original contractual terms of the loan agreement. Risk-rated loans with insignificant delays or insignificant short falls in the amount of payments expected to be collected are not considered to be impaired. ▪ Loans that have been modified in a troubled debt restructuring. Both commercial and consumer loans are deemed impaired upon being contractually modified in a troubled debt restructuring. Troubled debt restructurings typically result from our loss mitigation activities and occur when we grant a concession to a borrower who is experiencing financial difficulty in order to minimize our economic loss and to avoid foreclosure or repossession of collateral. Once restructured, a loan is generally considered impaired until its maturity, regardless of whether the borrower performs under the modified terms. Although such a loan may be returned to accrual status if the criteria set forth in accounting principles generally accepted in the United States are met, the loan would continue to be evaluated for an asset-specific allowance for loan losses and we would continue to report the loan in the impaired loan table below. The following tables present loans individually evaluated for impairment at June 30, 2019 and December 31, 2018 . June 30, 2019 Dollars in thousands Recorded Investment Unpaid Principal Balance Related Allowance Average Impaired Balance Interest Income Recognized while impaired Without a related allowance Commercial $ 5,215 $ 5,216 $ — $ 5,371 $ 334 Commercial real estate Owner-occupied 8,867 8,872 — 8,822 207 Non-owner occupied 10,814 10,821 — 9,967 504 Construction and development Land & land development 1,088 1,088 — 1,129 68 Construction — — — — — Residential real estate Non-jumbo 3,705 3,711 — 3,698 198 Jumbo 4,022 4,021 — 4,044 190 Home equity 523 523 — 523 32 Mortgage warehouse lines — — — — — Consumer 15 15 — 10 1 Total without a related allowance $ 34,249 $ 34,267 $ — $ 33,564 $ 1,534 With a related allowance Commercial $ 269 $ 269 $ 30 $ 184 $ 1 Commercial real estate Owner-occupied 2,915 2,914 444 2,924 114 Non-owner occupied — — — — — Construction and development Land & land development 1,035 1,036 521 1,041 57 Construction — — — — — Residential real estate Non-jumbo 2,371 2,370 678 2,341 74 Jumbo — — — — — Home equity — — — — — Mortgage warehouse lines — — — — — Consumer — — — — — Total with a related allowance $ 6,590 $ 6,589 $ 1,673 $ 6,490 $ 246 Total Commercial $ 30,203 $ 30,216 $ 995 $ 29,438 $ 1,285 Residential real estate 10,621 10,625 678 10,606 494 Consumer 15 15 — 10 1 Total $ 40,839 $ 40,856 $ 1,673 $ 40,054 $ 1,780 The table above does not include PCI loans. December 31, 2018 Dollars in thousands Recorded Investment Unpaid Principal Balance Related Allowance Average Impaired Balance Interest Income Recognized while impaired Without a related allowance Commercial $ 1,019 $ 1,253 $ — $ 321 $ 16 Commercial real estate Owner-occupied 8,600 8,605 — 7,730 318 Non-owner occupied 9,666 9,673 — 9,753 493 Construction and development Land & land development 4,767 4,767 — 4,947 102 Construction — — — — — Residential real estate Non-jumbo 3,279 3,284 — 3,401 180 Jumbo 4,132 4,130 — 3,517 166 Home equity 523 523 — 523 30 Mortgage warehouse lines — — — — — Consumer 9 10 — 13 1 Total without a related allowance $ 31,995 $ 32,245 $ — $ 30,205 $ 1,306 With a related allowance Commercial $ 3,343 $ 3,342 $ 682 $ 705 $ 39 Commercial real estate Owner-occupied 2,969 2,969 462 2,397 117 Non-owner occupied 189 191 9 226 16 Construction and development Land & land development 1,057 1,057 298 1,073 56 Construction — — — — — Residential real estate Non-jumbo 2,982 2,981 585 2,539 98 Jumbo 821 822 106 827 48 Home equity — — — — — Mortgage warehouse lines — — — — — Consumer — — — — — Total with a related allowance $ 11,361 $ 11,362 $ 2,142 $ 7,767 $ 374 Total Commercial $ 31,610 $ 31,857 $ 1,451 $ 27,152 $ 1,157 Residential real estate 11,737 11,740 691 10,807 522 Consumer 9 10 — 13 1 Total $ 43,356 $ 43,607 $ 2,142 $ 37,972 $ 1,680 The table above does not include PCI loans. Included in impaired loans are TDRs of $26.2 million , of which $23.2 million were current with respect to restructured contractual payments at June 30, 2019 , and $27 million , of which $26.6 million were current with respect to restructured contractual payments at December 31, 2018 . There were no commitments to lend additional funds under these restructurings at either balance sheet date. The following tables present by class the TDRs that were restructured during the three and six months ended June 30, 2019 and June 30, 2018 . Generally, the modifications were extensions of term, modifying the payment terms from principal and interest to interest only for an extended period, or reduction in interest rate. All TDRs are evaluated individually for allowance for loan loss purposes. For the Three Months Ended For the Three Months Ended Dollars in thousands Number of Modifications Pre-modification Recorded Investment Post-modification Recorded Investment Number of Modifications Pre-modification Recorded Investment Post-modification Recorded Investment Commercial — $ — $ — 2 $ 157 $ 157 Residential real estate Non-jumbo — — — 5 741 741 Total — $ — $ — 7 $ 898 $ 898 For the Six Months Ended For the Six Months Ended Dollars in thousands Number of Modifications Pre-modification Recorded Investment Post-modification Recorded Investment Number of Modifications Pre-modification Recorded Investment Post-modification Recorded Investment Commercial — $ — $ — 2 $ 157 $ 157 Commercial real estate Owner-occupied 1 325 325 — — — Non-owner occupied 4 324 324 — — — Residential real estate Non-jumbo 7 410 410 6 805 805 Consumer 1 16 16 — — — Total 13 $ 1,075 $ 1,075 8 $ 962 $ 962 The following tables present defaults during the stated period of TDRs that were restructured during the past twelve months. For purposes of these tables, a default is considered as either the loan was past due 30 days or more at any time during the period, or the loan was fully or partially charged off during the period. For the Three Months Ended For the Three Months Ended Dollars in thousands Number of Defaults Recorded Investment at Default Date Number of Defaults Recorded Investment at Default Date Commercial — $ — 2 $ 157 Commercial real estate Owner-occupied — — 1 2,302 Non-owner occupied 1 126 1 341 Construction and development Land & land development — — 1 438 Residential real estate Non-jumbo 4 193 2 506 Total 5 $ 319 7 $ 3,744 For the Six Months Ended For the Six Months Ended Dollars in thousands Number of Defaults Recorded Investment at Default Date Number of Defaults Recorded Investment at Default Date Commercial — $ — 2 $ 157 Commercial real estate Owner-occupied — — 1 2,302 Non-owner occupied 1 126 1 341 Construction and development Land & land development — — 1 438 Residential real estate Non-jumbo 4 193 3 712 Total 5 $ 319 8 $ 3,950 The following tables detail the activity regarding TDRs by loan type, net of fees, for the three and six months ended June 30, 2019 , and the related allowance on TDRs. For the Three Months Ended June 30, 2019 Construction & Land Development Commercial Real Estate Residential Real Estate Dollars in thousands Land & Land Develop- ment Construc- tion Commer- cial Owner Occupied Non- Owner Occupied Non- jumbo Jumbo Home Equity Mortgage Warehouse Lines Con- sumer Other Total Troubled debt restructurings Balance April 1, 2019 $ 2,629 $ — $ 265 $ 9,629 $ 5,676 $ 4,869 $ 4,231 $ 523 $ — $ 23 $ — $ 27,845 Additions — — — — — — — — — — — — Charge-offs — — — — — — — — — — — — Net (paydowns) advances (506 ) — (32 ) (41 ) (52 ) (174 ) (851 ) — — (8 ) — (1,664 ) Transfer into foreclosed properties — — — — — — — — — — — — Refinance out of TDR status — — — — — — — — — — — — Balance, June 30, 2019 $ 2,123 $ — $ 233 $ 9,588 $ 5,624 $ 4,695 $ 3,380 $ 523 $ — $ 15 $ — $ 26,181 Allowance related to troubled debt restructurings $ 521 $ — $ 6 $ 271 $ — $ 200 $ — $ — $ — $ — $ — $ 998 For the Six Months Ended June 30, 2019 Construction & Land Development Commercial Real Estate Residential Real Estate Dollars in thousands Land & Land Develop- ment Construc- tion Commer- cial Owner Occupied Non- Owner Occupied Non- jumbo Jumbo Home Equity Mortgage Warehouse Lines Con- sumer Other Total Troubled debt restructurings Balance January 1, 2019 $ 2,654 $ — $ 273 $ 9,365 $ 5,404 $ 4,490 $ 4,278 $ 523 $ — $ 10 $ — $ 26,997 Additions — — — 325 324 410 — — — 16 — 1,075 Charge-offs — — — — — — — — — — — — Net (paydowns) advances (531 ) — (40 ) (102 ) (104 ) (205 ) (898 ) — — (11 ) — (1,891 ) Transfer into foreclosed properties — — — — — — — — — — — — Refinance out of TDR status — — — — — — — — — — — — Balance, June 30, 2019 $ 2,123 $ — $ 233 $ 9,588 $ 5,624 $ 4,695 $ 3,380 $ 523 $ — $ 15 $ — $ 26,181 Allowance related to troubled debt restructurings $ 521 $ — $ 6 $ 271 $ — $ 200 $ — $ — $ — $ — $ — $ 998 The following table presents the recorded investment in construction and development, commercial, and commercial real estate loans which are generally evaluated based upon our internal risk ratings. Loan Risk Profile by Internal Risk Rating Construction and Development Commercial Real Estate Land and Land Development Construction Commercial Owner Occupied Non-Owner Occupied Mortgage Warehouse Lines Dollars in thousands 6/30/2019 12/31/2018 6/30/2019 12/31/2018 6/30/2019 12/31/2018 6/30/2019 12/31/2018 6/30/2019 12/31/2018 6/30/2019 12/31/2018 Pass $ 65,893 $ 63,743 $ 46,835 $ 24,589 $ 196,706 $ 182,651 $ 255,527 $ 250,254 $ 565,858 $ 565,715 $ 101,607 $ 39,140 OLEM (Special Mention) 461 472 140 142 1,572 6,748 2,421 1,864 1,653 1,554 — — Substandard 1,415 4,618 — — 5,860 4,916 4,953 5,138 7,166 6,663 — — Doubtful — — — — — — — — — — — — Loss — — — — — — — — — — — — Total $ 67,769 $ 68,833 $ 46,975 $ 24,731 $ 204,138 $ 194,315 $ 262,901 $ 257,256 $ 574,677 $ 573,932 $ 101,607 $ 39,140 The following table presents the recorded investment and payment activity in consumer, residential real estate, and home equity loans, which are generally evaluated based on the aging status of the loans. Performing Nonperforming Dollars in thousands 6/30/2019 12/31/2018 6/30/2019 12/31/2018 Residential real estate Non-jumbo $ 356,071 $ 330,445 $ 4,681 $ 6,532 Jumbo 69,529 72,924 642 675 Home Equity 81,039 80,611 334 299 Consumer 36,555 32,312 160 148 Other 11,824 12,899 100 — Total $ 555,018 $ 529,191 $ 5,917 $ 7,654 |