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LOANS (Tables)

9 Months Ended

Sep. 30, 2024

The composition of the amortized cost basis of OFG’s loan portfolio at September 30, 2024 and December 31, 2023 was as follows:


	September 30, 2024						December 31, 2023
	Non-PCD		PCD		Total		Non-PCD		PCD		Total
	(In thousands)
Commercial PR:
Commercial secured by real estate	$	1,181,022	$	107,047	$	1,288,069	$	1,095,207	$	120,988	$	1,216,195
Other commercial and industrial	1,137,942		11,982		1,149,924		1,091,021		14,459		1,105,480
	2,318,964		119,029		2,437,993		2,186,228		135,447		2,321,675
Commercial US	680,388		—		680,388		755,228		—		755,228
Total commercial loans	2,999,352		119,029		3,118,381		2,941,456		135,447		3,076,903
Mortgage loans	619,121		864,491		1,483,612		629,247		933,362		1,562,609
Consumer loans:
Personal loans	615,566		251		615,817		568,358		264		568,622
Credit lines	10,477		309		10,786		10,926		288		11,214
Credit cards	37,298		—		37,298		40,314		—		40,314
Overdraft	407		—		407		296		—		296
	663,748		560		664,308		619,894		552		620,446
Auto loans	2,483,611		664		2,484,275		2,272,530		1,891		2,274,421
	6,765,832		984,744		7,750,576		6,463,127		1,071,252		7,534,379
Allowance for credit losses	(155,133)		(6,367)		(161,500)		(152,610)		(8,496)		(161,106)
Total loans held for investment, net	6,610,699		978,377		7,589,076		6,310,517		1,062,756		7,373,273
Mortgage loans held-for-sale	10,908		—		10,908		—		—		—
Other loans held-for-sale	4,716		—		4,716		28,345		—		28,345
Total loans held-for-sale	15,624		—		15,624		28,345		—		28,345
Total loans, net	$	6,626,323	$	978,377	$	7,604,700	$	6,338,862	$	1,062,756	$	7,401,618

Schedule of Aging of Recorded Investment in Gross Loans


	September 30, 2024
	30-59 Days Past Due		60-89 Days Past Due		90+ Days Past Due		Total Past Due		Current		Total Loans		Loans 90+ Days Past Due and Still Accruing
	(In thousands)
Commercial PR:
Commercial secured by real estate	$	1,457	$	—	$	10,605	$	12,062	$	1,168,960	$	1,181,022	$	—
Other commercial and industrial	817		152		4,429		5,398		1,132,544		1,137,942		—
	2,274		152		15,034		17,460		2,301,504		2,318,964		—
Commercial US	—		—		—		—		680,388		680,388		—
Total commercial loans	2,274		152		15,034		17,460		2,981,892		2,999,352		—
Mortgage loans	4,277		6,545		53,933		64,755		554,366		619,121		1,799
Consumer loans:
Personal loans	8,402		4,061		2,939		15,402		600,164		615,566		—
Credit lines	70		82		73		225		10,252		10,477		—
Credit cards	582		246		597		1,425		35,873		37,298		—
Overdraft	42		—		—		42		365		407		—
	9,096		4,389		3,609		17,094		646,654		663,748		—
Auto loans	118,272		42,753		16,978		178,003		2,305,608		2,483,611		—
Total loans	$	133,919	$	53,839	$	89,554	$	277,312	$	6,488,520	$	6,765,832	$	1,799


	December 31, 2023
	30-59 Day Past Due		60-89 Days Past Due		90+ Days Past Due		Total Past Due		Current		Total Loans		Loans 90+ Days Past Due and Still Accruing
	(In thousands)
Commercial PR:
Commercial secured by real estate	$	1,585	$	411	$	5,671	$	7,667	$	1,087,540	$	1,095,207	$	—
Other commercial and industrial	1,366		291		4,974		6,631		1,084,390		1,091,021		—
	2,951		702		10,645		14,298		2,171,930		2,186,228		—
Commercial US	—		—		—		—		755,228		755,228		—
Total commercial loans	2,951		702		10,645		14,298		2,927,158		2,941,456		—
Mortgage loans	6,107		9,596		31,557		47,260		581,987		629,247		2,478
Consumer loans:
Personal loans	6,115		4,041		2,755		12,911		555,447		568,358		—
Credit lines	137		35		35		207		10,719		10,926		—
Credit cards	657		280		586		1,523		38,791		40,314		—
Overdraft	87		14		—		101		195		296		—
	6,996		4,370		3,376		14,742		605,152		619,894		—
Auto loans	101,610		46,071		19,056		166,737		2,105,793		2,272,530		—
Total loans	$	117,664	$	60,739	$	64,634	$	243,037	$	6,220,090	$	6,463,127	$	2,478

Schedule of Investment in Loans on Non-Accrual Status

The following table presents the amortized cost basis of loans held for investment on non-accrual status as of September 30, 2024 and December 31, 2023:


	September 30, 2024						December 31, 2023
	Non-accrual with Allowance for Credit Loss		Non-accrual with no Allowance for Credit Loss		Total		Non-accrual with Allowance for Credit Loss		Non-accrual with no Allowance for Credit Loss		Total
	(In thousands)						(In thousands)
Non-PCD:
Commercial PR:
Commercial secured by real estate	$	5,388	$	7,326	$	12,714	$	3,553	$	7,929	$	11,482
Other commercial and industrial	2,741		2,065		4,806		4,560		830		5,390
	8,129		9,391		17,520		8,113		8,759		16,872
Commercial US	18,579		—		18,579		19,224		—		19,224
Total Commercial loans	26,708		9,391		36,099		27,337		8,759		36,096
Mortgage loans	10,041		3,826		13,867		10,339		3,858		14,197
Consumer loans:
Personal loans	2,958		—		2,958		2,741		14		2,755
Credit lines	73		—		73		35		—		35
Credit cards	596		—		596		586		—		586
	3,627		—		3,627		3,362		14		3,376
Auto loans	16,972		6		16,978		19,051		5		19,056
Total	$	57,348	$	13,223	$	70,571	$	60,089	$	12,636	$	72,725

PCD:
Commercial PR:
Commercial secured by real estate	$	—	$	3,328	$	3,328	$	3,060	$	2,417	$	5,477
Other commercial and industrial	—		592		592		—		947		947
	—		3,920		3,920		3,060		3,364		6,424
Mortgage loans	241		—		241		250		—		250



Total	$	241	$	3,920	$	4,161	$	3,310	$	3,364	$	6,674
Total non-accrual loans	$	57,589	$	17,143	$	74,732	$	63,399	$	16,000	$	79,399

Schedule of Troubled Debt Restructurings

The following tables present the amortized cost basis as of September 30, 2024 and 2023 of loans held for investment that were modified during the quarters and nine-month periods ended September 30, 2024 and 2023, disaggregated by class of financing receivable and type of concession granted.


	Quarter Ended September 30, 2024
	Interest Rate Reduction				Term Extension				Principal Forbearance / Forgiveness				Combination of Term Extension and Interest Rate Reduction				Combination of Term Extension and Principal Forgiveness / Forbearance
	Amortized Cost Basis		% of Total Class of Financing Receivable		Amortized Cost Basis		% of Total Class of Financing Receivable		Amortized Cost Basis		% of Total Class of Financing Receivable		Amortized Cost Basis		% of Total Class of Financing Receivable		Amortized Cost Basis		% of Total Class of Financing Receivable
	(Dollars in thousands)




Commercial US	$	9,824	1.44	%	$	—	—	%	$	—	—	%	$	—	—	%	$	—	—	%

Mortgage loans	—		—	%	415		0.03	%	—		—	%	—		—	%	123		0.01	%







Total	$	9,824			$	415			$	—			$	—			$	123


	Nine-Month Period Ended September 30, 2024
	Interest Rate Reduction				Term Extension				Principal Forbearance / Forgiveness				Combination of Term Extension and Interest Rate Reduction				Combination of Term Extension and Principal Forgiveness / Forbearance
	Amortized Cost Basis		% of Total Class of Financing Receivable		Amortized Cost Basis		% of Total Class of Financing Receivable		Amortized Cost Basis		% of Total Class of Financing Receivable		Amortized Cost Basis		% of Total Class of Financing Receivable		Amortized Cost Basis		% of Total Class of Financing Receivable
	(Dollars in thousands)




Commercial US	$	9,824	1.44	%	$	—	—	%	$	—	—	%	$	—	—	%	$	—	—	%

Mortgage loans	—		—	%	1,084		0.07	%	—		—	%	89		0.01	%	123		0.01	%
Consumer:
Personal loans	26		—	%	7		—	%	—		—	%	—		—	%	—		—	%




Auto loans	31		—	%	—		—	%	—		—	%	—		—	%	—		—	%
Total	$	9,881			$	1,091			$	—			$	89			$	123


	Quarter Ended September 30, 2023
	Interest Rate Reduction				Term Extension				Principal Forbearance / Forgiveness				Combination of Term Extension and Interest Rate Reduction				Combination of Term Extension and Principal Forgiveness / Forbearance
	Amortized Cost Basis		% of Total Class of Financing Receivable		Amortized Cost Basis		% of Total Class of Financing Receivable		Amortized Cost Basis		% of Total Class of Financing Receivable		Amortized Cost Basis		% of Total Class of Financing Receivable		Amortized Cost Basis		% of Total Class of Financing Receivable
	(Dollars in thousands)
Commercial PR:
Commercial secured by real estate	$	—	—	%	$	629	0.06	%	$	—	—	%	$	—	—	%	$	—	—	%
Other commercial and industrial	—		—	%	36		—	%	—		—	%	—		—	%	—		—	%
	—		—	%	665		0.02	%	—		—	%	—		—	%	—		—	%
Commercial US	6,824		0.96	%	—		—	%	—		—	%	—		—	%	—		—	%
Total Commercial loans	6,824		0.96	%	665		0.02	%	—		—	%	—		—	%	—		—	%
Mortgage loans	—		—	%	771		0.05	%	—		—	%	117		0.01	%	—		—	%
Consumer:
Personal loans	40		0.01	%	—		—	%	—		—	%	—		—	%	—		—	%




Auto loans	30		—	%	—		—	%	—		—	%	—		—	%	—		—	%
Total	$	6,894			$	1,436			$	—			$	117			$	—


	Nine-Month Period Ended September 30, 2023
	Interest Rate Reduction				Term Extension				Principal Forbearance / Forgiveness				Combination of Term Extension and Interest Rate Reduction				Combination of Term Extension and Principal Forgiveness / Forbearance
	Amortized Cost Basis		% of Total Class of Financing Receivable		Amortized Cost Basis		% of Total Class of Financing Receivable		Amortized Cost Basis		% of Total Class of Financing Receivable		Amortized Cost Basis		% of Total Class of Financing Receivable		Amortized Cost Basis		% of Total Class of Financing Receivable
	(Dollars in thousands)
Commercial PR:
Commercial secured by real estate	$	—	—	%	$	6,328	0.56	%	$	—	—	%	$	—	—	%	$	—	—	%
Other commercial and industrial	—		—	%	80		0.01	%	—		—	%	—		—	%	—		—	%
	—		—	%	6,408		0.23	%	—		—	%	—		—	%	—		—	%
Commercial US	6,824		0.96	%	—		—	%	—		—	%	—		—	%	4,286		0.61	%
Total Commercial loans	6,824		—	%	6,408		0.23	%	—		—	%	—		—	%	4,286		0.61	%
Mortgage loans	—		—	%	5,040		0.31	%	98		0.01	%	723		0.05	%	447		0.03	%
Consumer:
Personal loans	40		0.01	%	—		—	%	—		—	%	82		0.01	%	—		—	%




Auto loans	30		—	%	—		—	%	—		—	%	—		—	%	—		—	%
Total	$	6,894			$	11,448			$	98			$	805			$	4,733

The following tables present the financial effect of the modifications granted to borrowers experiencing financial difficulty during the quarters and nine-month periods ended September 30, 2024 and 2023. The financial effect of the combined modifications is presented separately by type of modification.


	Quarter Ended September 30, 2024
	Weighted-Average Interest Rate Reduction		Weighted-Average Term Extension (In months)	Weighted-Average Forgiveness/Forbearance of Principal Amount (In thousands)



Commercial US	0.73	%	0	$	—

Mortgage loans	—	%	193	10,993


	Nine-Month Period Ended September 30, 2024
	Weighted-Average Interest Rate Reduction		Weighted-Average Term Extension (In months)	Weighted-Average Forgiveness/Forbearance of Principal Amount (In thousands)



Commercial US	0.73	%	0	$	—

Mortgage loans	0.38	%	185	10,993
Consumer loans:
Personal loans	5.00	%	18	—



Auto loans	3.00	%	0	—


	Quarter Ended September 30, 2023
	Weighted-Average Interest Rate Reduction		Weighted-Average Term Extension (In months)	Weighted-Average Forgiveness/Forbearance of Principal Amount (In thousands)
Commercial PR:
Commercial loans secured by real estate	—	%	14	$	—

Commercial US	1.95	%	0	—

Mortgage loans	1.25	%	349	—
Consumer loans:
Personal loans	4.00	%	0	—



Auto loans	3.00	%	0	—


	Nine-Month Period Ended September 30, 2023
	Weighted-Average Interest Rate Reduction		Weighted-Average Term Extension (In months)	Weighted-Average Forgiveness/Forbearance of Principal Amount (In thousands)
Commercial PR:
Commercial loans secured by real estate	—	%	23	$	—

Commercial US	1.95	%	31	2,973

Mortgage loans	1.94	%	227	24
Consumer loans:
Personal loans	2.98	%	81	—



Auto loans	3.00	%	0	—

Schedule of Amortized Cost Basis of Modified Financing Receivables that Subsequently Defaulted

The following table presents the amortized cost basis as of September 30, 2024 of loans held for investment that had a payment default subsequent to being granted a modification to borrowers experiencing financial difficulty in the prior twelve-months.


	Twelve-Months Ended September 30, 2024
	Amortized Cost Basis of Modified Financing Receivables that Subsequently Defaulted
	Interest Rate Reduction		Term Extension		Principal Forgiveness/Forbearance		Combination - Term Extension and Interest Rate Reduction		Total
	(In thousands)






Mortgage loans	$	—	$	107	$	—	$	—	$	107

The following table presents the amortized cost basis as of September 30, 2023 of loans held for investment that had a payment default subsequent to being granted a modification to borrowers experiencing financial difficulty in the nine-month period ended September 30, 2023.


	Nine-Months Ended September 30, 2023
	Amortized Cost Basis of Modified Financing Receivables that Subsequently Defaulted
	Interest Rate Reduction		Term Extension		Principal Forgiveness/Forbearance		Combination - Term Extension and Interest Rate Reduction		Total
	(In thousands)






Mortgage loans	$	—	$	415	$	—	$	—	$	415

Schedule of Financing Receivable, Modified, Past Due

The following table presents the payment status of loans that have been modified in the twelve-months period ended September 30, 2024 and in the nine-month period ended September 30, 2023 that were granted to borrowers experiencing financial difficulty.


	September 30, 2024
	30-59 Day Past Due		60-89 Days Past Due		90+ Days Past Due		Total Past Due		Current		Total
	(In thousands)
Commercial loans:
Commercial PR:

Other commercial and industrial	$	—	$	—	$	—	$	—	$	598	$	598

Commercial US	—		—		—		—		9,824		9,824
Total Commercial loans	—		—		—		—		10,422		10,422
Mortgage loans	—		38		107		145		1,937		2,082
Consumer loans:
Personal loans	26		—		—		26		7		33




Auto loans	—		—		—		—		80		80
Total	$	26	$	38	$	107	$	171	$	12,446	$	12,617


	September 30, 2023
	30-59 Day Past Due		60-89 Days Past Due		90+ Days Past Due		Total Past Due		Current		Total
	(In thousands)
Commercial PR:
Commercial loans secured by real estate	$	—	$	—	$	—	$	—	$	6,328	$	6,328
Other commercial and industrial	—		—		—		—		80		80
	—		—		—		—		6,408		6,408
Commercial US	—		—		—		—		11,110		11,110
	—		—		—		—		17,518		17,518
Mortgage loans	566		133		415		1,114		5,194		6,308
Consumer loans:
Personal loans	—		—		—		—		122		122




Auto loans	—		—		—		—		30		30
Total	$	566	$	133	$	415	$	1,114	$	22,864	$	23,978

Schedule of the Amortized Cost of Collateral-Dependent Loans Held for Investment

The table below presents the amortized cost of commercial collateral-dependent loans held for investment at September 30, 2024 and December 31, 2023, by class of loans.


	September 30,		December 31,
	2024		2023
	(In thousands)
Commercial PR:
Commercial loans secured by real estate	$	8,583	$	8,027

Schedule of Credit Quality Indicators of Loans

As of September 30, 2024, and based on the most recent analysis performed, the risk category of loans held for investment subject to risk rating by class of loans, and current year-to-date period gross charge-offs by year of origination is as follows:


	Term Loans Amortized Cost Basis by Origination Year												Revolving Loans Amortized Cost Basis		Total
	2024		2023		2022		2021		2020		Prior
	(In thousands)
Commercial PR:
Commercial secured by real estate:
Loan grade:
Pass	$	138,499	$	206,787	$	231,378	$	191,942	$	106,952	$	200,524	$	49,560	$	1,125,642
Special Mention	—		13,274		7,253		6,284		914		12,548		93		40,366
Substandard	—		729		562		1,462		1,199		9,459		1,603		15,014
Doubtful	—		—		—		—		—		—		—		—
Loss	—		—		—		—		—		—		—		—
Total commercial secured by real estate	138,499		220,790		239,193		199,688		109,065		222,531		51,256		1,181,022
Commercial secured by real estate:
YTD gross charge-offs	—		—		—		—		—		7		—		7
Other commercial and industrial:
Loan grade:
Pass	146,412		276,363		50,926		52,184		25,272		15,075		516,028		1,082,260
Special Mention	—		410		3,429		45,013		—		64		1,557		50,473
Substandard	—		7		353		894		225		1,051		2,679		5,209
Doubtful	—		—		—		—		—		—		—		—
Loss	—		—		—		—		—		—		—		—
Total other commercial and industrial:	146,412		276,780		54,708		98,091		25,497		16,190		520,264		1,137,942
Other commercial and industrial:
YTD gross charge-offs	114		142		267		3,310		—		25		—		3,858
Commercial US:
Loan grade:
Pass	41,137		121,158		32,797		58,473		20,884		23,749		258,111		556,309
Special Mention	—		—		15,977		—		—		—		61,383		77,360
Substandard	16,355		16,121		—		6,249		—		5,660		—		44,385
Doubtful	2,334		—		—		—		—		—		—		2,334
Loss	—		—		—		—		—		—		—		—
Total Commercial US:	59,826		137,279		48,774		64,722		20,884		29,409		319,494		680,388
Commercial US:
YTD gross charge-offs	—		—		392		1,749		—		1,183		—		3,324
Total commercial loans	$	344,737	$	634,849	$	342,675	$	362,501	$	155,446	$	268,130	$	891,014	$	2,999,352
Total YTD gross charge-offs	$	114	$	142	$	659	$	5,059	$	—	$	1,215	$	—	$	7,189

As of December 31, 2023, and based on the most recent analysis performed, the risk category of loans held for investment subject to risk rating by class of loans is as follows:


	Term Loans Amortized Cost Basis by Origination Year												Revolving Loans Amortized Cost Basis		Total
	2023		2022		2021		2020		2019		Prior
	(In thousands)
Commercial PR:
Commercial secured by real estate:
Loan grade:
Pass	$	224,598	$	216,205	$	195,884	$	120,489	$	80,671	$	131,016	$	65,873	$	1,034,736
Special Mention	—		1,772		6,554		5,057		15,676		12,500		153		41,712
Substandard	—		459		1,386		1,109		2,615		11,939		1,236		18,744
Doubtful	—		—		—		—		—		15		—		15
Loss	—		—		—		—		—		—		—		—
Total commercial secured by real estate	224,598		218,436		203,824		126,655		98,962		155,470		67,262		1,095,207
Commercial secured by real estate:
YTD gross charge-offs	—		—		265		—		94		820		—		1,179
Other commercial and industrial:
Loan grade:
Pass	284,615		99,522		113,760		37,665		7,438		14,836		527,008		1,084,844
Special Mention	8		2,953		—		—		51		100		—		3,112
Substandard	3		473		826		259		935		186		383		3,065
Doubtful	—		—		—		—		—		—		—		—
Loss	—		—		—		—		—		—		—		—
Total other commercial and industrial:	284,626		102,948		114,586		37,924		8,424		15,122		527,391		1,091,021
Other commercial and industrial:
YTD gross charge-offs	—		124		1,095		89		9		1,180		—		2,497
Commercial US:
Loan grade:
Pass	142,222		63,885		69,233		31,206		28,202		8,085		358,757		701,590
Special Mention	—		7,803		—		—		—		—		20,913		28,716
Substandard	10,832		—		—		—		—		5,699		8,391		24,922
Doubtful	—		—		—		—		—		—		—		—
Loss	—		—		—		—		—		—		—		—
Total Commercial US:	153,054		71,688		69,233		31,206		28,202		13,784		388,061		755,228
Commercial US:
YTD gross charge-offs	33		1,156		642		47		—		8,637		—		10,515
Total commercial loans	$	662,278	$	393,072	$	387,643	$	195,785	$	135,588	$	184,376	$	982,714	$	2,941,456
Total YTD gross charge-offs	$	33	$	1,280	$	2,002	$	136	$	103	$	10,637	$	—	$	14,191

The following table presents the amortized cost in mortgage and consumer loans held for investment based on payment activity as of September 30, 2024:


	Term Loans Amortized Cost Basis by Origination Year												Revolving Loans Amortized Cost Basis		Total
	2024		2023		2022		2021		2020		Prior
	(In thousands)
Mortgage loans:
Payment performance:
Performing	$	17,753	$	18,784	$	21,215	$	27,289	$	18,507	$	496,850	$	—	$	600,398
Nonperforming	151		641		289		172		189		17,281		—		18,723
Total mortgage loans:	17,904		19,425		21,504		27,461		18,696		514,131		—		619,121
Mortgage loans:
YTD gross charge-offs	—		—		—		—		—		102		—		102
Consumer loans:
Personal loans:
Payment performance:
Performing	215,154		198,170		129,656		46,246		13,095		10,287		—		612,608
Nonperforming	230		1,432		867		348		40		41		—		2,958
Total personal loans	215,384		199,602		130,523		46,594		13,135		10,328		—		615,566
Personal loans:
YTD gross charge-offs	389		7,482		9,896		2,858		633		980		—		22,238
Credit lines:
Payment performance:
Performing	—		—		—		—		—		—		10,404		10,404
Nonperforming	—		—		—		—		—		—		73		73
Total credit lines	—		—		—		—		—		—		10,477		10,477
Credit lines:
YTD gross charge-offs	—		—		—		—		—		—		114		114
Credit cards:
Payment performance:
Performing	—		—		—		—		—		—		36,702		36,702
Nonperforming	—		—		—		—		—		—		596		596
Total credit cards	—		—		—		—		—		—		37,298		37,298
Credit cards:
YTD gross charge-offs	—		—		—		—		—		—		2,004		2,004
Overdrafts:
Payment performance:
Performing	—		—		—		—		—		—		407		407
Nonperforming	—		—		—		—		—		—		—		—
Total overdrafts	—		—		—		—		—		—		407		407
Overdrafts:
YTD gross charge-offs	—		—		—		—		—		—		668		668
Total consumer loans	215,384		199,602		130,523		46,594		13,135		10,328		48,182		663,748
Total consumer loans YTD gross charge-offs	389		7,482		9,896		2,858		633		980		2,786		25,024
Total mortgage and consumer loans	$	233,288	$	219,027	$	152,027	$	74,055	$	31,831	$	524,459	$	48,182	$	1,282,869
Total mortgage and consumer loans YTD gross charge-offs	$	389	$	7,482	$	9,896	$	2,858	$	633	$	1,082	$	2,786	$	25,126

The following table presents the amortized cost in mortgage and consumer loans held for investment based on payment activity as of December 31, 2023:


	Term Loans Amortized Cost Basis by Origination Year												Revolving Loans Amortized Cost Basis		Total
	2023		2022		2021		2020		2019		Prior
	(In thousands)
Mortgage loans:
Payment performance:
Performing	$	24,623	$	19,722	$	23,303	$	15,821	$	14,589	$	511,182	$	—	$	609,240
Nonperforming	—		—		181		108		479		19,239		—		20,007
Total mortgage loans:	24,623		19,722		23,484		15,929		15,068		530,421		—		629,247
Mortgage loans:
YTD gross charge-offs	—		4		—		—		—		755		—		759
Consumer loans:
Personal loans:
Payment performance:
Performing	270,883		186,612		68,133		19,185		14,460		6,330		—		$	565,603
Nonperforming	503		1,588		304		193		66		101		—		2,755
Total personal loans	271,386		188,200		68,437		19,378		14,526		6,431		—		568,358
Personal loans:
YTD gross charge-offs	1,748		10,512		4,661		830		1,384		731		—		19,866
Credit lines:
Payment performance:
Performing	—		—		—		—		—		—		10,891		$	10,891
Nonperforming	—		—		—		—		—		—		35		35
Total credit lines	—		—		—		—		—		—		10,926		10,926
Credit lines:
YTD gross charge-offs	—		—		—		—		—		—		419		419
Credit cards:
Payment performance:
Performing	—		—		—		—		—		—		39,728		$	39,728
Nonperforming	—		—		—		—		—		—		586		586
Total credit cards	—		—		—		—		—		—		40,314		40,314
Credit cards:
YTD gross charge-offs	—		—		—		—		—		—		2,825		2,825
Overdrafts:
Payment performance:
Performing	—		—		—		—		—		—		296		$	296
Nonperforming	—		—		—		—		—		—		—		—
Total overdrafts	—		—		—		—		—		—		296		296
Overdrafts:
YTD gross charge-offs	—		—		—		—		—		—		545		545
Total consumer loans	271,383		188,200		68,437		19,378		14,526		6,431		51,536		619,894
Total consumer loans YTD gross charge-offs	1,748		10,512		4,661		830		1,384		731		3,789		23,655
Total mortgage and consumer loans	$	296,009	$	207,922	$	91,921	$	35,307	$	29,594	$	536,852	$	51,536	$	1,249,141
Total mortgage and consumer loans YTD gross charge-offs	$	1,748	$	10,516	$	4,661	$	830	$	1,384	$	1,486	$	3,789	$	24,414

The following table presents the amortized cost in auto loans held for investment based on their most recent FICO score as of September 30, 2024:


	Term Loans Amortized Cost Basis by Origination Year												Total
	2024		2023		2022		2021		2020		Prior
	(In thousands)
Auto loans:
FICO score:
1-660	$	105,309	$	190,610	$	171,226	$	99,103	$	44,862	$	47,230	$	658,340
661-699	129,267		134,525		79,908		41,118		18,395		18,164		421,377
700+	402,994		419,461		262,013		144,578		75,105		74,804		1,378,955
No FICO	4,096		6,938		6,189		3,697		1,576		2,443		24,939
Total auto loans	$	641,666	$	751,534	$	519,336	$	288,496	$	139,938	$	142,641	$	2,483,611
Auto loans:
YTD gross charge-offs	$	1,512	$	15,216	$	13,756	$	6,327	$	2,811	$	3,526	$	43,148

The following table presents the amortized cost in auto loans held for investment based on their most recent FICO score as of December 31, 2023:


	Term Loans Amortized Cost Basis by Origination Year												Total
	2023		2022		2021		2020		2019		Prior
	(In thousands)
Auto loans:
FICO score:
1-660	$	170,639	$	190,743	$	118,821	$	57,087	$	41,124	$	38,570	$	616,984
661-699	169,430		110,260		58,166		25,886		18,253		16,137		398,132
700+	474,005		323,514		183,286		103,886		88,929		58,779		1,232,399
No FICO	6,203		6,537		4,592		2,200		3,886		1,597		25,015
Total auto loans	$	820,277	$	631,054	$	364,865	$	189,059	$	152,192	$	115,083	$	2,272,530
Auto loans:
YTD gross charge-offs	$	4,090	$	18,142	$	10,894	$	4,008	$	3,380	$	3,250	$	43,764