CHFC 2018 Annual Report

The following schedule presents the recorded investment of loans in the commercial loan portfolio by credit risk categories at December 31, 2018 and 2017: (Dollars in thousands) Pass Special Mention Substandard Doubtful Total December 31, 2018 Originated Portfolio: Commercial $ 3,118,894 $ 87,222 $ 77,036 $ 3,935 $ 3,287,087 Commercial real estate: Owner-occupied 1,430,948 32,056 50,286 242 1,513,532 Non-owner occupied 1,901,822 39,416 25,092 — 1,966,330 Vacant land 36,499 — 3,741 55 40,295 Total commercial real estate 3,369,269 71,472 79,119 297 3,520,157 Real estate construction and land development 557,040 6,108 3,578 — 566,726 Subtotal 7,045,203 164,802 159,733 4,232 7,373,970 Acquired Portfolio: Commercial 655,883 36,809 22,773 16 715,481 Commercial real estate: Owner-occupied 500,072 28,909 17,033 11 546,025 Non-owner occupied 740,900 52,546 25,244 — 818,690 Vacant land 26,978 237 — — 27,215 Total commercial real estate 1,267,950 81,692 42,277 11 1,391,930 Real estate construction and land development 29,248 97 1,141 — 30,486 Subtotal 1,953,081 118,598 66,191 27 2,137,897 Total $ 8,998,284 $ 283,400 $ 225,924 $ 4,259 $ 9,511,867 December 31, 2017 Originated Portfolio: Commercial $ 2,316,464 $ 41,059 $ 50,083 $ — $ 2,407,606 Commercial real estate: Owner-occupied 1,133,609 19,438 32,567 — 1,185,614 Non-owner occupied 1,504,195 4,728 9,864 — 1,518,787 Vacant land 39,775 38 7,211 — 47,024 Total commercial real estate 2,677,579 24,204 49,642 — 2,751,425 Real estate construction and land development 494,528 837 2,790 — 498,155 Subtotal 5,488,571 66,100 102,515 — 5,657,186 Acquired Portfolio: Commercial 873,861 68,418 35,539 218 978,036 Commercial real estate: Owner-occupied 580,127 23,998 23,036 787 627,948 Non-owner occupied 995,709 43,645 48,620 — 1,087,974 Vacant land 27,849 327 5,147 — 33,323 Total commercial real estate 1,603,685 67,970 76,803 787 1,749,245 Real estate construction and land development 72,346 2,218 1,496 — 76,060 Subtotal 2,549,892 138,606 113,838 1,005 2,803,341 Total $ 8,038,463 $ 204,706 $ 216,353 $ 1,005 $ 8,460,527 Chemical Financial Corporation Notes to Consolidated Financial Statements December 31, 2018 120