Loans Receivable (Tables)
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6 Months Ended |
Jun. 30, 2022 |
Receivables [Abstract] |
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Summary of loans receivable |
The following table shows a summary of our loans receivable at amortized cost basis at June 30, 2022 and December 31, 2021 (in thousands): | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | June 30, 2022 | | December 31, 2021 | | Originated (1) | | Acquired (2) | | Total | | Originated (1) | | Acquired (2) | | Total | Personal Banking: | | | | | | | | | | | | | | | | | | | | | | | | Residential mortgage loans (3) | $ | 3,101,251 | | | 185,524 | | | 3,286,775 | | | 2,783,459 | | | 211,161 | | | 2,994,620 | | Home equity loans | 1,095,844 | | | 184,648 | | | 1,280,492 | | | 1,107,202 | | | 212,729 | | | 1,319,931 | | Vehicle loans | 1,785,828 | | | 109,907 | | | 1,895,735 | | | 1,384,246 | | | 99,985 | | | 1,484,231 | | Consumer loans | 97,939 | | | 8,871 | | | 106,810 | | | 307,961 | | | 46,556 | | | 354,517 | | Total Personal Banking | 6,080,862 | | | 488,950 | | | 6,569,812 | | | 5,582,868 | | | 570,431 | | | 6,153,299 | | | | | | | | | | | | | | Commercial Banking: | | | | | | | | | | | | Commercial real estate loans | 2,130,573 | | | 355,401 | | | 2,485,974 | | | 2,202,027 | | | 423,454 | | | 2,625,481 | | Commercial real estate loans - owner occupied | 342,907 | | | 47,295 | | | 390,202 | | | 321,253 | | | 68,750 | | | 390,003 | | Commercial loans | 926,565 | | | 60,271 | | | 986,836 | | | 765,877 | | | 81,732 | | | 847,609 | | Total Commercial Banking | 3,400,045 | | | 462,967 | | | 3,863,012 | | | 3,289,157 | | | 573,936 | | | 3,863,093 | | Total loans receivable, gross | 9,480,907 | | | 951,917 | | | 10,432,824 | | | 8,872,025 | | | 1,144,367 | | | 10,016,392 | | | | | | | | | | | | | | Allowance for credit losses | (84,300) | | | (14,055) | | | (98,355) | | | (86,750) | | | (15,491) | | | (102,241) | | Total loans receivable, net (4) | $ | 9,396,607 | | | 937,862 | | | 10,334,469 | | | 8,785,275 | | | 1,128,876 | | | 9,914,151 | |
(1) Includes originated and purchased loan pools purchased in an asset acquisition. (2) Includes loans subject to purchase accounting in a business combination. (3) Includes fair value of $31.2 million and $25.1 million of loans held-for-sale at June 30, 2022 and December 31, 2021, respectively. (4) Includes $67.0 million and $62.8 million of net unearned income, unamortized premiums and discounts and deferred fees and costs at June 30, 2022 and December 31, 2021, respectively. During the six months ended June 30, 2022, the Company purchased a total of $115.8 million small business equipment finance loan pools and a total of $188.3 million one- to four-family jumbo mortgage loan pools.
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Schedule of the changes in the allowance for losses on loans receivable |
The following table provides information related to the allowance for credit losses by portfolio segment and by class of financing receivable for the quarter ended June 30, 2022 (in thousands): | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | Balance as of June 30, 2022 | | Current period provision | | Charge-offs | | Recoveries | | | | Balance as of March 31, 2022 | Allowance for Credit Losses | | | | | | | | | | | | | Personal Banking: | | | | | | | | | | | | | Residential mortgage loans | | $ | 16,158 | | | 2,723 | | | (138) | | | 267 | | | | | 13,306 | | Home equity loans | | 5,232 | | | (583) | | | (255) | | | 427 | | | | | 5,643 | | Vehicle loans | | 15,738 | | | 1,888 | | | (934) | | | 603 | | | | | 14,181 | | Consumer loans | | 779 | | | (1,685) | | | (978) | | | 333 | | | | | 3,109 | | Total Personal Banking | | 37,907 | | | 2,343 | | | (2,305) | | | 1,630 | | | | | 36,239 | | | | | | | | | | | | | | | Commercial Banking: | | | | | | | | | | | | | Commercial real estate loans | | 39,641 | | | (1,917) | | | (4,392) | | | 1,378 | | | | | 44,572 | | Commercial real estate loans - owner occupied | | 4,095 | | | (188) | | | — | | | 7 | | | | | 4,276 | | Commercial loans | | 16,712 | | | 2,391 | | | (329) | | | 442 | | | | | 14,208 | | Total Commercial Banking | | 60,448 | | | 286 | | | (4,721) | | | 1,827 | | | | | 63,056 | | Total | | $ | 98,355 | | | 2,629 | | | (7,026) | | | 3,457 | | | | | 99,295 | | | | | | | | | | | | | | | Allowance for Credit Losses - off-balance sheet exposure | | | | | | | | | | | | | Personal Banking: | | | | | | | | | | | | | | | | | | | | | | | | | | Residential mortgage loans | | $ | 6 | | | — | | | — | | | — | | | | | 6 | | Home equity loans | | 64 | | | 9 | | | — | | | — | | | | | 55 | | | | | | | | | | | | | | | Total Personal Banking | | 70 | | | 9 | | | — | | | — | | | | | 61 | | | | | | | | | | | | | | | Commercial Banking: | | | | | | | | | | | | | Commercial real estate loans | | 3,463 | | | 1,671 | | | — | | | — | | | | | 1,792 | | Commercial real estate loans - owner occupied | | 328 | | | 120 | | | — | | | — | | | | | 208 | | Commercial loans | | 3,589 | | | 1,596 | | | — | | | — | | | | | 1,993 | | Total Commercial Banking | | 7,380 | | | 3,387 | | | — | | | — | | | | | 3,993 | | Total off-balance sheet exposure | | $ | 7,450 | | | 3,396 | | | — | | | — | | | | | 4,054 | | | | | | | | | | | | | | | | | | | | | | | | | | | |
The following table provides information related to the allowance for credit losses by portfolio segment and by class of financing receivable for the quarter ended June 30, 2021 (in thousands): | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | Balance as of June 30, 2021 | | Current period provision | | Charge-offs | | Recoveries | | | Balance as of March 31, 2021 | Allowance for Credit Losses | | | | | | | | | | | | Personal Banking: | | | | | | | | | | | | Residential mortgage loans | | $ | 7,247 | | | 1,922 | | | (770) | | | 234 | | | | 5,861 | | Home equity loans | | 7,239 | | | 2,253 | | | (379) | | | 124 | | | | 5,241 | | Vehicle loans | | 12,888 | | | (1,196) | | | (1,598) | | | 794 | | | | 14,888 | | Consumer loans | | 2,801 | | | 691 | | | (803) | | | 350 | | | | 2,563 | | Total Personal Banking | | 30,175 | | | 3,670 | | | (3,550) | | | 1,502 | | | | 28,553 | | | | | | | | | | | | | | Commercial Banking: | | | | | | | | | | | | Commercial real estate loans | | 64,580 | | | (2,925) | | | (3,074) | | | 373 | | | | 70,206 | | Commercial real estate loans - owner occupied | | 4,729 | | | (1,138) | | | (890) | | | 4 | | | | 6,753 | | Commercial loans | | 17,846 | | | 393 | | | (1,161) | | | 129 | | | | 18,485 | | Total Commercial Banking | | 87,155 | | | (3,670) | | | (5,125) | | | 506 | | | | 95,444 | | Total | | $ | 117,330 | | | — | | | (8,675) | | | 2,008 | | | | 123,997 | | | | | | | | | | | | | | Allowance for Credit Losses - off-balance sheet exposure | | | | | | | | | | | | Personal Banking: | | | | | | | | | | | | Residential mortgage loans | | $ | 2 | | | — | | | — | | | — | | | | 2 | | Home equity loans | | 42 | | | 8 | | | — | | | — | | | | 34 | | | | | | | | | | | | | | Total Personal Banking | | 44 | | | 8 | | | — | | | — | | | | 36 | | | | | | | | | | | | | | Commercial Banking: | | | | | | | | | | | | Commercial real estate loans | | 1,932 | | | (183) | | | — | | | — | | | | 2,115 | | Commercial real estate loans - owner occupied | | 181 | | | (207) | | | — | | | — | | | | 388 | | Commercial loans | | 1,232 | | | (848) | | | — | | | — | | | | 2,080 | | Total Commercial Banking | | 3,345 | | | (1,238) | | | — | | | — | | | | 4,583 | | Total off-balance sheet exposure | | $ | 3,389 | | | (1,230) | | | — | | | — | | | | 4,619 | |
The following table provides information related to the allowance for credit losses by portfolio segment and by class of financing receivable for the six months ended June 30, 2022 (in thousands): | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | Balance as of June 30, 2022 | | Current period provision | | Charge-offs | | Recoveries | | Balance as of December 31, 2021 | Allowance for Credit Losses | | | | | | | | | | Personal Banking: | | | | | | | | | | Residential mortgage loans | $ | 16,158 | | | 9,685 | | | (1,321) | | | 421 | | | 7,373 | | Home equity loans | 5,232 | | | (214) | | | (702) | | | 848 | | | 5,300 | | Vehicle loans | 15,738 | | | 583 | | | (1,581) | | | 1,253 | | | 15,483 | | Consumer loans | 779 | | | (691) | | | (2,054) | | | 640 | | | 2,884 | | Total Personal Banking | 37,907 | | | 9,363 | | | (5,658) | | | 3,162 | | | 31,040 | | | | | | | | | | | | Commercial Banking: | | | | | | | | | | Commercial real estate loans | 39,641 | | | (11,582) | | | (5,416) | | | 2,498 | | | 54,141 | | Commercial real estate loans - owner occupied | 4,095 | | | 201 | | | — | | | 11 | | | 3,883 | | Commercial loans | 16,712 | | | 3,166 | | | (1,010) | | | 1,379 | | | 13,177 | | Total Commercial Banking | 60,448 | | | (8,215) | | | (6,426) | | | 3,888 | | | 71,201 | | Total | $ | 98,355 | | | 1,148 | | | (12,084) | | | 7,050 | | | 102,241 | | | | | | | | | | | | Allowance for Credit Losses - off-balance sheet exposure | | | | | | | | | | Personal Banking: | | | | | | | | | | Residential mortgage loans | $ | 6 | | | 4 | | | — | | | — | | | 2 | | Home equity loans | 64 | | | 25 | | | — | | | — | | | 39 | | | | | | | | | | | | Total Personal Banking | 70 | | 29 | | — | | | — | | | 41 | | | | | | | | | | | Commercial Banking: | | | | | | | | | | Commercial real estate loans | 3,463 | | | 2,582 | | | — | | | — | | | 881 | | Commercial real estate loans - owner occupied | 328 | | | 186 | | | — | | | — | | | 142 | | Commercial loans | 3,589 | | | 2,195 | | | — | | | — | | | 1,394 | | Total Commercial Banking | 7,380 | | | 4,963 | | | — | | | — | | | 2,417 | | Total off-balance sheet exposure | $ | 7,450 | | | 4,992 | | | — | | | — | | | 2,458 | |
The following table provides information related to the allowance for credit losses by portfolio segment and by class of financing receivable for the six months ended June 30, 2021 (in thousands): | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | Balance as of June 30, 2021 | | Current period provision | | Charge-offs | | Recoveries | | Balance as of December 31, 2020 | Allowance for Credit Losses | | | | | | | | | | Personal Banking: | | | | | | | | | | Residential mortgage loans | $ | 7,247 | | | 1,330 | | | (1,625) | | | 276 | | | 7,266 | | Home equity loans | 7,239 | | | 1,601 | | | (607) | | | 253 | | | 5,992 | | Vehicle loans | 12,888 | | | (423) | | | (2,905) | | | 1,391 | | | 14,825 | | Consumer loans | 2,801 | | | 1,342 | | | (2,099) | | | 687 | | | 2,871 | | Total Personal Banking | 30,175 | | | 3,850 | | | (7,236) | | | 2,607 | | | 30,954 | | | | | | | | | | | | Commercial Banking: | | | | | | | | | | Commercial real estate loans | 64,580 | | | (7,756) | | | (7,700) | | | 655 | | | 79,381 | | Commercial real estate loans - owner occupied | 4,729 | | | (4,904) | | | (890) | | | 5 | | | 10,518 | | Commercial loans | 17,846 | | | 3,190 | | | (1,215) | | | 2,297 | | | 13,574 | | Total Commercial Banking | 87,155 | | | (9,470) | | | (9,805) | | | 2,957 | | | 103,473 | | Total | $ | 117,330 | | | (5,620) | | | (17,041) | | | 5,564 | | | 134,427 | | | | | | | | | | | | Allowance for Credit Losses - off-balance sheet exposure | | | | | | | | | | Personal Banking: | | | | | | | | | | Residential mortgage loans | $ | 2 | | | — | | | — | | | — | | | 2 | | Home equity loans | 42 | | | 7 | | | — | | | — | | | 35 | | | | | | | | | | | | Total Personal Banking | 44 | | | 7 | | | — | | | — | | | 37 | | | | | | | | | | | | Commercial Banking: | | | | | | | | | | Commercial real estate loans | 1,932 | | | (1,517) | | | — | | | — | | | 3,449 | | Commercial real estate loans - owner occupied | 181 | | | (145) | | | — | | | — | | | 326 | | Commercial loans | 1,232 | | | (1,319) | | | — | | | — | | | 2,551 | | Total Commercial Banking | 3,345 | | | (2,981) | | | — | | | — | | | 6,326 | | Total off-balance sheet exposure | $ | 3,389 | | | (2,974) | | | — | | | — | | | 6,363 | |
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Schedule of loan portfolio by portfolio segment and by class of financing receivable |
The following table provides information related to the loan portfolio by portfolio segment and by class of financing receivable at June 30, 2022 (in thousands): | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | Total loans receivable | | Allowance for credit losses | | Nonaccrual loans (1) | | Loans 90 days past due and accruing | | TDRs | | Allowance related to TDRs | | Additional commitments to customers with loans classified as TDRs | Personal Banking: | | | | | | | | | | | | | | Residential mortgage loans | $ | 3,286,775 | | | 16,158 | | | 7,616 | | | — | | | 6,157 | | | 861 | | | — | | Home equity loans | 1,280,492 | | | 5,232 | | | 4,156 | | | — | | | 1,465 | | | 472 | | | — | | Vehicle loans | 1,895,735 | | | 15,738 | | | 3,166 | | | — | | | — | | | — | | | — | | Consumer loans | 106,810 | | | 779 | | | 136 | | | 379 | | | — | | | — | | | — | | Total Personal Banking | 6,569,812 | | | 37,907 | | | 15,074 | | | 379 | | | 7,622 | | | 1,333 | | | — | | | | | | | | | | | | | | | | Commercial Banking: | | | | | | | | | | | | | | Commercial real estate loans | 2,485,974 | | | 39,641 | | | 76,437 | | | — | | | 42,180 | | | 1,558 | | | 18 | | Commercial real estate loans - owner occupied | 390,202 | | | 4,095 | | | 590 | | | — | | | 144 | | | 23 | | | — | | Commercial loans | 986,836 | | | 16,712 | | | 6,284 | | | — | | | 4,291 | | | 549 | | | 327 | | Total Commercial Banking | 3,863,012 | | | 60,448 | | | 83,311 | | | — | | | 46,615 | | | 2,130 | | | 345 | | | | | | | | | | | | | | | | Total | $ | 10,432,824 | | | 98,355 | | | 98,385 | | | 379 | | | 54,237 | | | 3,463 | | | 345 | |
(1)Includes $37.6 million of nonaccrual TDRs.
The following table provides information related to the loan portfolio by portfolio segment and by class of financing receivable at December 31, 2021 (in thousands): | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | Total loans receivable | | Allowance for credit losses | | Nonaccrual loans (1) | | Loans 90 days past due and accruing | | TDRs | | Allowance related to TDRs | | Additional commitments to customers with loans classified as TDRs | Personal Banking: | | | | | | | | | | | | | | Residential mortgage loans | $ | 2,994,620 | | | 7,373 | | | 10,402 | | | — | | | 6,749 | | | 1,442 | | | — | | Home equity loans | 1,319,931 | | | 5,300 | | | 5,758 | | | — | | | 1,781 | | | 718 | | | — | | Vehicle loans | 1,484,231 | | | 15,483 | | | 3,263 | | | — | | | — | | | — | | | — | | Consumer loans | 354,517 | | | 2,884 | | | 675 | | | 331 | | | — | | | — | | | — | | Total Personal Banking | 6,153,299 | | | 31,040 | | | 20,098 | | | 331 | | | 8,530 | | | 2,160 | | | — | | | | | | | | | | | | | | | | Commercial Banking: | | | | | | | | | | | | | | Commercial real estate loans | 2,625,481 | | | 54,141 | | | 129,666 | | | — | | | 17,025 | | | 2,024 | | | 400 | | Commercial real estate loans - owner occupied | 390,003 | | | 3,883 | | | 1,233 | | | — | | | 159 | | | 24 | | | — | | Commercial loans | 847,609 | | | 13,177 | | | 7,474 | | | — | | | 4,574 | | | 609 | | | 60 | | Total Commercial Banking | 3,863,093 | | | 71,201 | | | 138,373 | | | — | | | 21,758 | | | 2,657 | | | 460 | | | | | | | | | | | | | | | | Total | $ | 10,016,392 | | | 102,241 | | | 158,471 | | | 331 | | | 30,288 | | | 4,817 | | | 460 | |
(1)Includes $17.2 million of nonaccrual TDRs.
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Schedule of the composition of nonaccrual loans by portfolio segment and by class of financing receivable |
The following table presents the amortized cost of our loans on nonaccrual status as of the beginning and end of the period ended June 30, 2022 (in thousands): | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | June 30, 2022 | | | | Nonaccrual loans at January 1, 2022 | | Nonaccrual loans with an allowance | | Nonaccrual loans with no allowance | | Total nonaccrual loans at the end of the period | | Loans 90 days past due and accruing | | | Personal Banking: | | | | | | | | | | | | Residential mortgage loans | $ | 10,402 | | | 7,616 | | | — | | | 7,616 | | | — | | | | Home equity loans | 5,758 | | | 3,956 | | | 200 | | | 4,156 | | | — | | | | Vehicle loans | 3,263 | | | 1,941 | | | 1,225 | | | 3,166 | | | — | | | | Consumer loans | 675 | | | 136 | | | — | | | 136 | | | 379 | | | | Total Personal Banking | 20,098 | | | 13,649 | | | 1,425 | | | 15,074 | | | 379 | | | | | | | | | | | | | | | | Commercial Banking: | | | | | | | | | | | | Commercial real estate loans | 129,666 | | | 10,534 | | | 65,903 | | | 76,437 | | | — | | | | Commercial real estate loans - owner occupied | 1,233 | | | 590 | | | — | | | 590 | | | — | | | | Commercial loans | 7,474 | | | 3,506 | | | 2,778 | | | 6,284 | | | — | | | | Total Commercial Banking | 138,373 | | | 14,630 | | | 68,681 | | | 83,311 | | | — | | | | | | | | | | | | | | | | Total | $ | 158,471 | | | 28,279 | | | 70,106 | | | 98,385 | | | 379 | | | |
The following table presents the amortized cost of our loans on nonaccrual status as of the year ended December 31, 2021 (in thousands): | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | December 31, 2021 | | | | Nonaccrual loans at January 1, 2021 | | Nonaccrual loans with an allowance | | Nonaccrual loans with no allowance | | Total nonaccrual loans at the end of the period | | Loans 90 days past due and accruing | | | Personal Banking: | | | | | | | | | | | | Residential mortgage loans | $ | 15,924 | | | 10,402 | | | — | | | 10,402 | | | — | | | | Home equity loans | 9,123 | | | 5,551 | | | 207 | | | 5,758 | | | — | | | | Vehicle loans | 5,533 | | | 3,251 | | | 12 | | | 3,263 | | | — | | | | Consumer loans | 1,031 | | | 674 | | | 1 | | | 675 | | | 331 | | | | Total Personal Banking | 31,611 | | | 19,878 | | | 220 | | | 20,098 | | | 331 | | | | | | | | | | | | | | | | Commercial Banking: | | | | | | | | | | | | Commercial real estate loans | 44,092 | | | 65,529 | | | 64,137 | | | 129,666 | | | — | | | | Commercial real estate loans - owner occupied | 3,642 | | | 1,233 | | | — | | | 1,233 | | | — | | | | Commercial loans | 23,487 | | | 3,941 | | | 3,533 | | | 7,474 | | | — | | | | Total Commercial Banking | 71,221 | | | 70,703 | | | 67,670 | | | 138,373 | | | — | | | | | | | | | | | | | | | | Total | $ | 102,832 | | | 90,581 | | | 67,890 | | | 158,471 | | | 331 | | | |
The following table presents the amortized cost basis of collateral-dependent loans by class of loans as of June 30, 2022 (in thousands): | | | | | | | | | | | | | | | | | | | | | | | Real estate | | Equipment | | | | Total | | | Personal Banking: | | | | | | | | | | Residential mortgage loans | $ | 575 | | | — | | | | | 575 | | | | Home equity loans | 100 | | | — | | | | | 100 | | | | | | | | | | | | | | | | | | | | | | | | Total Personal Banking | 675 | | | — | | | | | 675 | | | | | | | | | | | | | | Commercial Banking: | | | | | | | | | | Commercial real estate loans | 74,267 | | | — | | | | | 74,267 | | | | | | | | | | | | | | Commercial loans | 3,810 | | | 1,262 | | | | | 5,072 | | | | Total Commercial Banking | 78,077 | | | 1,262 | | | | | 79,339 | | | | | | | | | | | | | | Total | $ | 78,752 | | | 1,262 | | | | | 80,014 | | | |
The following table presents the amortized cost basis of collateral-dependent loans by class of loans as of December 31, 2021 (in thousands): | | | | | | | | | | | | | | | | | | | | | | | Real estate | | Equipment | | | | Total | | | Personal Banking: | | | | | | | | | | Residential mortgage loans | $ | 580 | | | — | | | | | 580 | | | | Home equity loans | 99 | | | — | | | | | 99 | | | | | | | | | | | | | | | | | | | | | | | | Total Personal Banking | 679 | | | — | | | | | 679 | | | | | | | | | | | | | | Commercial Banking: | | | | | | | | | | Commercial real estate loans | 119,825 | | | 1,705 | | | | | 121,530 | | | | | | | | | | | | | | Commercial loans | 3,973 | | | 1,926 | | | | | 5,899 | | | | Total Commercial Banking | 123,798 | | | 3,631 | | | | | 127,429 | | | | | | | | | | | | | | Total | $ | 124,477 | | | 3,631 | | | | | 128,108 | | | |
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Schedule of troubled debt restructurings (including re-modified TDRs) by portfolio segment and by class of financing receivable |
The following table provides a roll forward of troubled debt restructurings for the periods indicated (dollars in thousands): | | | | | | | | | | | | | | | | | | | | | | | | | For the quarter ended June 30, | | 2022 | | 2021 | | Number of contracts | | Amount | | Number of contracts | | Amount | Beginning TDR balance: | 130 | | | $ | 28,701 | | | 164 | | | $ | 27,510 | | New TDRs | 2 | | | 26,115 | | | 2 | | | 2,295 | | Re-modified TDRs | 5 | | | 6,403 | | | 1 | | | 344 | | Net paydowns | — | | | (479) | | | — | | | (1,610) | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | Paid-off loans: | | | | | | | | Residential mortgage loans | — | | | — | | | 4 | | | (726) | | Home equity loans | 1 | | | (13) | | | 1 | | | (11) | | | | | | | | | | Commercial real estate loans | 2 | | | (80) | | | 2 | | | (302) | | | | | | | | | | Commercial loans | 1 | | | (7) | | | 1 | | | (69) | | Ending TDR balance: | 128 | | | $ | 54,237 | | | 158 | | | $ | 27,431 | | Accruing TDRs | | | $ | 16,590 | | | | | $ | 18,480 | | Nonaccrual TDRs | | | 37,647 | | | | | 8,951 | |
| | | | | | | | | | | | | | | | | | | | | | | | | For the six months ended June 30, | | 2022 | | 2021 | | Number of contracts | | Amount | | Number of contracts | | Amount | Beginning TDR balance: | 134 | | | $ | 30,288 | | | 170 | | | $ | 32,135 | | New TDRs | 2 | | | 26,115 | | | 2 | | | 2,295 | | Re-modified TDRs | 6 | | | 6,603 | | | 5 | | | 1,241 | | Net paydowns | — | | | (1,509) | | | — | | | (4,073) | | Charge-offs: | | | | | | | | Residential mortgage loans | 1 | | | (3) | | | — | | | — | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | Paid-off loans: | | | | | | | | Residential mortgage loans | 1 | | | (201) | | | 4 | | | (726) | | Home equity loans | 2 | | | (77) | | | 1 | | | (11) | | | | | | | | | | Commercial real estate loans | 3 | | | (369) | | | 5 | | | (2,686) | | Commercial real estate loans - owner occupied | — | | | — | | | 1 | | | (47) | | Commercial loans | 1 | | | (7) | | | 3 | | | (697) | | Ending TDR balance: | 128 | | | $ | 54,237 | | | 158 | | | $ | 27,431 | | Accruing TDRs | | | $ | 16,590 | | | | | $ | 18,480 | | Nonaccrual TDRs | | | 37,647 | | | | | 8,951 | |
The following table provides information related to TDRs (including re-modified TDRs) by portfolio segment and by class of financing receivable during the periods indicated (in thousands): | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | For the quarter ended June 30, 2022 | | For the six months ended June 30, 2022 | | Number of contracts | | Recorded investment at the time of modification | | Current recorded investment | | Current allowance | | Number of contracts | | Recorded investment at the time of modification | | Current recorded investment | | Current allowance | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | Commercial Banking: | | | | | | | | | | | | | | | | Commercial real estate loans | 3 | | | $ | 58,042 | | | 29,292 | | | 1,122 | | | 4 | | | $ | 58,372 | | | 29,492 | | | 1,133 | | | | | | | | | | | | | | | | | | Commercial loans | 4 | | | 3,524 | | | 3,226 | | | 410 | | | 4 | | | 3,524 | | | 3,226 | | | 411 | | Total Commercial Banking | 7 | | | 61,566 | | | 32,518 | | | 1,532 | | | 8 | | | 61,896 | | | 32,718 | | | 1,544 | | | | | | | | | | | | | | | | | | Total | 7 | | | $ | 61,566 | | | 32,518 | | | 1,532 | | | 8 | | | $ | 61,896 | | | 32,718 | | | 1,544 | | | | | | | | | | | | | | | | | |
| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | For the quarter ended June 30, 2021 | | For the six months ended June 30, 2021 | | Number of contracts | | Recorded investment at the time of modification | | Current recorded investment | | Current allowance | | Number of contracts | | Recorded investment at the time of modification | | Current recorded investment | | Current allowance | | | | | | | | | | | | | | | | | Personal Banking: | | | | | | | | | | | | | | | | Residential mortgage loans | — | | | $ | — | | | — | | | — | | | 1 | | | $ | 121 | | | 116 | | | 10 | | Home equity loans | — | | | — | | | — | | | — | | | 1 | | | 3 | | | — | | | — | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | Total Personal Banking | — | | | — | | | — | | | — | | | 2 | | | 124 | | | 116 | | | 10 | | | | | | | | | | | | | | | | | | Commercial Banking: | | | | | | | | | | | | | | | | Commercial real estate loans | 1 | | | 725 | | | 343 | | | 34 | | | 3 | | | 1,537 | | | 1,125 | | | 148 | | | | | | | | | | | | | | | | | | Commercial loans | 2 | | | 2,396 | | | 2,295 | | | — | | | 2 | | | 2,396 | | | 2,295 | | | — | | Total Commercial Banking | 3 | | | 3,121 | | | 2,638 | | | 34 | | | 5 | | | 3,933 | | | 3,420 | | | 148 | | | | | | | | | | | | | | | | | | Total | 3 | | | $ | 3,121 | | | 2,638 | | | 34 | | | 7 | | | $ | 4,057 | | | 3,536 | | | 158 | |
The following table provides information as of June 30, 2022 for TDRs (including re-modified TDRs) by type of modification, by portfolio segment and class of financing receivable for modifications during the quarter ended June 30, 2022 (in thousands): | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | Type of modification | | | | Number of contracts | | Rate | | | | Maturity date | | | | Total | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | Commercial Banking: | | | | | | | | | | | | Commercial real estate loans | 3 | | | $ | 4,179 | | | | | 25,113 | | | | | 29,292 | | | | | | | | | | | | | | Commercial loans | 4 | | | — | | | | | 3,226 | | | | | 3,226 | | Total Commercial Banking | 7 | | | 4,179 | | | | | 28,339 | | | | | 32,518 | | | | | | | | | | | | | | Total | 7 | | | $ | 4,179 | | | | | 28,339 | | | | | 32,518 | |
The following table provides information as of June 30, 2021 for TDRs (including re-modified TDRs) by type of modification, by portfolio segment and class of financing receivable for modifications during the quarter ended June 30, 2021 (in thousands): | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | Type of modification | | | | Number of contracts | | Rate | | | | Maturity date | | | | Total | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | Commercial Banking: | | | | | | | | | | | | Commercial real estate loans | 1 | | | $ | — | | | | | 343 | | | | | 343 | | | | | | | | | | | | | | Commercial loans | 2 | | | — | | | | | 2,295 | | | | | 2,295 | | Total Commercial Banking | 3 | | | — | | | | | 2,638 | | | | | 2,638 | | | | | | | | | | | | | | Total | 3 | | | $ | — | | | | | 2,638 | | | | | 2,638 | |
The following table provides information as of June 30, 2022 for TDRs (including re-modified TDRs) by type of modification, by portfolio segment and class of financing receivable for modifications during the six months ended June 30, 2022 (in thousands): | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | Type of modification | | | | Number of contracts | | Rate | | | | Maturity date | | | | Total | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | Commercial Banking: | | | | | | | | | | | | Commercial real estate loans | 4 | | | $ | 4,179 | | | | | 25,313 | | | | | 29,492 | | | | | | | | | | | | | | Commercial loans | 4 | | | — | | | | | 3,226 | | | | | 3,226 | | Total Commercial Banking | 8 | | | 4,179 | | | | | 28,539 | | | | | 32,718 | | | | | | | | | | | | | | Total | 8 | | | $ | 4,179 | | | | | 28,539 | | | | | 32,718 | |
The following table provides information as of June 30, 2021 for TDRs (including re-modified TDRs) by type of modification, by portfolio segment and class of financing receivable for modifications during the six months ended June 30, 2021 (in thousands): | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | Type of modification | | | | Number of contracts | | Rate | | | | Maturity date | | Other | | Total | Personal Banking: | | | | | | | | | | | | Residential mortgage loans | 1 | | | $ | 116 | | | | | — | | | — | | | 116 | | Home equity loans | 1 | | | — | | | | | — | | | — | | | — | | | | | | | | | | | | | | | | | | | | | | | | | | Total Personal Banking | 2 | | | 116 | | | | | — | | | — | | | 116 | | | | | | | | | | | | | | Commercial Banking: | | | | | | | | | | | | Commercial real estate loans | 3 | | | — | | | | | 1,052 | | | 73 | | | 1,125 | | | | | | | | | | | | | | Commercial loans | 2 | | | — | | | | | 2,295 | | | — | | | 2,295 | | Total Commercial Banking | 5 | | | — | | | | | 3,347 | | | 73 | | | 3,420 | | | | | | | | | | | | | | Total | 7 | | | $ | 116 | | | | | 3,347 | | | 73 | | | 3,536 | |
The following table provides information related to troubled debt restructurings modified within the previous twelve months of June 30, 2022 that subsequently defaulted: | | | | | | | | | | | | | | | | | | | | | | | | | | | | | Number of contracts | | Recorded investment at the time of modification | | Current recorded investment | | Current allowance | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | Commercial Banking: | | | | | | | | | Commercial real estate loans | | 1 | | | $ | 4,167 | | | 3,823 | | | — | | | | | | | | | | | Total Commercial Banking | | 1 | | | 4,167 | | | 3,823 | | | — | | | | | | | | | | | Total | | 1 | | | $ | 4,167 | | | 3,823 | | | — | |
The following table provides information related to troubled debt restructurings modified within the previous twelve months of June 30, 2021 that subsequently defaulted: | | | | | | | | | | | | | | | | | | | | | | | | | | | | | Number of contracts | | Recorded investment at the time of modification | | Current recorded investment | | Current allowance | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | Commercial Banking: | | | | | | | | | Commercial real estate loans | | 1 | | | $ | 454 | | | 454 | | | 50 | | | | | | | | | | | Total Commercial Banking | | 1 | | | 454 | | | 454 | | | 50 | | | | | | | | | | | Total | | 1 | | | $ | 454 | | | 454 | | | 50 | |
|
Schedule of loan delinquencies |
The following table provides information related to the amortized cost basis of loan payment delinquencies at June 30, 2022 (in thousands): | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | 30-59 days delinquent | | 60-89 days delinquent | | 90 days or greater delinquent | | Total delinquency | | Current | | Total loans receivable | | 90 days or greater delinquent and accruing | | | | | | | | | | | | | | | Personal Banking: | | | | | | | | | | | | | | Residential mortgage loans | $ | 785 | | | 5,941 | | | 5,445 | | | 12,171 | | | 3,274,604 | | | 3,286,775 | | | — | | Home equity loans | 3,664 | | | 952 | | | 2,081 | | | 6,697 | | | 1,273,795 | | | 1,280,492 | | | — | | Vehicle loans | 6,449 | | | 1,170 | | | 1,861 | | | 9,480 | | | 1,886,255 | | | 1,895,735 | | | — | | Consumer loans | 449 | | | 290 | | | 460 | | | 1,199 | | | 105,611 | | | 106,810 | | | 379 | | Total Personal Banking | 11,347 | | | 8,353 | | | 9,847 | | | 29,547 | | | 6,540,265 | | | 6,569,812 | | | 379 | | | | | | | | | | | | | | | | Commercial Banking: | | | | | | | | | | | | | | Commercial real estate loans | 2,581 | | | 1,350 | | | 14,823 | | | 18,754 | | | 2,467,220 | | | 2,485,974 | | | — | | Commercial real estate loans - owner occupied | 120 | | | 122 | | | 126 | | | 368 | | | 389,834 | | | 390,202 | | | — | | Commercial loans | 1,486 | | | 341 | | | 583 | | | 2,410 | | | 984,426 | | | 986,836 | | | — | | Total Commercial Banking | 4,187 | | | 1,813 | | | 15,532 | | | 21,532 | | | 3,841,480 | | | 3,863,012 | | | — | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | Total loans | $ | 15,534 | | | 10,166 | | | 25,379 | | | 51,079 | | | 10,381,745 | | | 10,432,824 | | | 379 | |
The following table provides information related to the amortized cost basis of loan payment delinquencies at December 31, 2021 (in thousands): | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | 30-59 days delinquent | | 60-89 days delinquent | | 90 days or greater delinquent | | Total delinquency | | Current | | Total loans receivable | | 90 days or greater delinquent and accruing | | | | | | | | | | | | | | | Personal Banking: | | | | | | | | | | | | | | Residential mortgage loans | $ | 20,567 | | | 5,433 | | | 7,641 | | | 33,641 | | | 2,960,979 | | | 2,994,620 | | | — | | Home equity loans | 3,153 | | | 949 | | | 4,262 | | | 8,364 | | | 1,311,567 | | | 1,319,931 | | | — | | Vehicle loans | 5,331 | | | 1,487 | | | 1,635 | | | 8,453 | | | 1,475,778 | | | 1,484,231 | | | — | | Consumer loans | 1,205 | | | 519 | | | 765 | | | 2,489 | | | 352,028 | | | 354,517 | | | 331 | | Total Personal Banking | 30,256 | | | 8,388 | | | 14,303 | | | 52,947 | | | 6,100,352 | | | 6,153,299 | | | 331 | | | | | | | | | | | | | | | | Commercial Banking: | | | | | | | | | | | | | | Commercial real estate loans | 16,938 | | | 699 | | | 23,489 | | | 41,126 | | | 2,584,355 | | | 2,625,481 | | | — | | Commercial real estate loans - owner occupied | 127 | | | 70 | | | 574 | | | 771 | | | 389,232 | | | 390,003 | | | — | | Commercial loans | 193 | | | 727 | | | 1,105 | | | 2,025 | | | 845,584 | | | 847,609 | | | — | | Total Commercial Banking | 17,258 | | | 1,496 | | | 25,168 | | | 43,922 | | | 3,819,171 | | | 3,863,093 | | | — | | Total originated loans | $ | 47,514 | | | 9,884 | | | 39,471 | | | 96,869 | | | 9,919,523 | | | 10,016,392 | | | 331 | |
|
Schedule of credit quality indicators |
The following table presents the amortized cost basis of our loan portfolio by year of origination and credit quality indicator for each portfolio segment as of June 30, 2022 (in thousands):
| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | YTD June 30, 2022 | | 2021 | | 2020 | | 2019 | | 2018 | | Prior | | Revolving loans | | Revolving loans converted to term loans | | Total loans receivable | Personal Banking: | | | | | | | | | | | | | | | | | | Residential mortgage loans | | | | | | | | | | | | | | | | | | Pass | $ | 290,471 | | | 843,802 | | | 572,648 | | | 278,086 | | | 141,007 | | | 1,147,103 | | | — | | | — | | | 3,273,117 | | Substandard | — | | | 106 | | | 710 | | | 258 | | | 417 | | | 12,167 | | | — | | | — | | | 13,658 | | Total residential mortgage loans | 290,471 | | | 843,908 | | | 573,358 | | | 278,344 | | | 141,424 | | | 1,159,270 | | | — | | | — | | | 3,286,775 | | Home equity loans | | | | | | | | | | | | | | | | | | Pass | 62,500 | | | 138,755 | | | 187,786 | | | 121,932 | | | 56,161 | | | 231,691 | | | 435,304 | | | 40,995 | | | 1,275,124 | | Substandard | — | | | 48 | | | — | | | 378 | | | 345 | | | 2,889 | | | 845 | | | 863 | | | 5,368 | | Total home equity loans | 62,500 | | | 138,803 | | | 187,786 | | | 122,310 | | | 56,506 | | | 234,580 | | | 436,149 | | | 41,858 | | | 1,280,492 | | Vehicle loans | | | | | | | | | | | | | | | | | | Pass | 527,150 | | | 742,059 | | | 288,651 | | | 181,929 | | | 97,160 | | | 55,620 | | | — | | | — | | | 1,892,569 | | Substandard | 83 | | | 964 | | | 402 | | | 764 | | | 578 | | | 375 | | | — | | | — | | | 3,166 | | Total vehicle loans | 527,233 | | | 743,023 | | | 289,053 | | | 182,693 | | | 97,738 | | | 55,995 | | | — | | | — | | | 1,895,735 | | Consumer loans | | | | | | | | | | | | | | | | | | Pass | 9,391 | | | 12,822 | | | 5,966 | | | 5,235 | | | 3,613 | | | 6,244 | | | 61,662 | | | 1,361 | | | 106,294 | | Substandard | — | | | 27 | | | — | | | 10 | | | 5 | | | 61 | | | 412 | | | 1 | | | 516 | | Total consumer loans | 9,391 | | | 12,849 | | | 5,966 | | | 5,245 | | | 3,618 | | | 6,305 | | | 62,074 | | | 1,362 | | | 106,810 | | Total Personal Banking | 889,595 | | | 1,738,583 | | | 1,056,163 | | | 588,592 | | | 299,286 | | | 1,456,150 | | | 498,223 | | | 43,220 | | | 6,569,812 | | Business Banking: | | | | | | | | | | | | | | | | | | Commercial real estate loans | | | | | | | | | | | | | | | | | | Pass | 124,555 | | | 344,825 | | | 415,474 | | | 297,289 | | | 235,348 | | | 798,170 | | | 28,902 | | | 9,104 | | | 2,253,667 | | Special mention | — | | | 798 | | | 1,466 | | | 20,818 | | | 1,077 | | | 6,863 | | | 988 | | | 15 | | | 32,025 | | Substandard | — | | | 96 | | | 7,117 | | | 28,401 | | | 43,407 | | | 116,480 | | | 564 | | | 4,217 | | | 200,282 | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | Total commercial real estate loans | 124,555 | | | 345,719 | | | 424,057 | | | 346,508 | | | 279,832 | | | 921,513 | | | 30,454 | | | 13,336 | | | 2,485,974 | | Commercial real estate loans - owner occupied | | | | | | | | | | | | | | | | | | Pass | 41,726 | | | 63,126 | | | 18,245 | | | 39,001 | | | 47,377 | | | 132,060 | | | 3,233 | | | 1,772 | | | 346,540 | | Special mention | — | | | — | | | — | | | 15,067 | | | 3,698 | | | 689 | | | 61 | | | — | | | 19,515 | | Substandard | — | | | — | | | — | | | 5,360 | | | 1,934 | | | 14,747 | | | — | | | 2,106 | | | 24,147 | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | Total commercial real estate loans - owner occupied | 41,726 | | | 63,126 | | | 18,245 | | | 59,428 | | | 53,009 | | | 147,496 | | | 3,294 | | | 3,878 | | | 390,202 | | Commercial loans | | | | | | | | | | | | | | | | | | Pass | 335,778 | | | 127,282 | | | 63,945 | | | 54,761 | | | 21,293 | | | 57,692 | | | 288,640 | | | 4,738 | | | 954,129 | | Special mention | 153 | | | 155 | | | 283 | | | 486 | | | 47 | | | — | | | 1,344 | | | — | | | 2,468 | | Substandard | 569 | | | 306 | | | 896 | | | 3,309 | | | 2,596 | | | 1,881 | | | 11,060 | | | 9,622 | | | 30,239 | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | Total commercial loans | 336,500 | | | 127,743 | | | 65,124 | | | 58,556 | | | 23,936 | | | 59,573 | | | 301,044 | | | 14,360 | | | 986,836 | | Total Business Banking | 502,781 | | | 536,588 | | | 507,426 | | | 464,492 | | | 356,777 | | | 1,128,582 | | | 334,792 | | | 31,574 | | | 3,863,012 | | | | | | | | | | | | | | | | | | | | Total loans | $ | 1,392,376 | | | 2,275,171 | | | 1,563,589 | | | 1,053,084 | | | 656,063 | | | 2,584,732 | | | 833,015 | | | 74,794 | | | 10,432,824 | |
The following table presents the amortized cost basis of our loan portfolio by year of origination and credit quality indicator for each portfolio segment as of December 31, 2021 (in thousands): | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | 2021 | | 2020 | | 2019 | | 2018 | | 2017 | | Prior | | Revolving loans | | Revolving loans converted to term loans | | Total loans receivable | | Personal Banking: | | | | | | | | | | | | | | | | | | | Residential mortgage loans | | | | | | | | | | | | | | | | | | | Pass | $ | 644,862 | | | 602,429 | | | 304,275 | | | 156,639 | | | 171,240 | | | 1,098,635 | | | — | | | — | | | 2,978,080 | | | Substandard | 138 | | | 489 | | | 377 | | | 538 | | | 882 | | | 14,116 | | | — | | | — | | | 16,540 | | | Total residential mortgage loans | 645,000 | | | 602,918 | | | 304,652 | | | 157,177 | | | 172,122 | | | 1,112,751 | | | — | | | — | | | 2,994,620 | | | Home equity loans | | | | | | | | | | | | | | | | | | | Pass | 150,847 | | | 210,224 | | | 138,661 | | | 65,011 | | | 61,692 | | | 209,959 | | | 435,660 | | | 40,766 | | | 1,312,820 | | | Substandard | — | | | — | | | 441 | | | 60 | | | 455 | | | 3,820 | | | 1,275 | | | 1,060 | | | 7,111 | | | Total home equity loans | 150,847 | | | 210,224 | | | 139,102 | | | 65,071 | | | 62,147 | | | 213,779 | | | 436,935 | | | 41,826 | | | 1,319,931 | | | Vehicle loans | | | | | | | | | | | | | | | | | | | Pass | 801,084 | | | 292,804 | | | 205,653 | | | 119,304 | | | 34,546 | | | 27,576 | | | — | | | — | | | 1,480,967 | | | Substandard | 387 | | | 365 | | | 1,141 | | | 745 | | | 379 | | | 247 | | | — | | | — | | | 3,264 | | | Total vehicle loans | 801,471 | | | 293,169 | | | 206,794 | | | 120,049 | | | 34,925 | | | 27,823 | | | — | | | — | | | 1,484,231 | | | Consumer loans | | | | | | | | | | | | | | | | | | | Pass | 117,856 | | | 81,266 | | | 47,195 | | | 20,595 | | | 9,794 | | | 12,202 | | | 63,025 | | | 1,578 | | | 353,511 | | | Substandard | 213 | | | 161 | | | 105 | | | 64 | | | 26 | | | 50 | | | 357 | | | 30 | | | 1,006 | | | Total consumer loans | 118,069 | | | 81,427 | | | 47,300 | | | 20,659 | | | 9,820 | | | 12,252 | | | 63,382 | | | 1,608 | | | 354,517 | | | Total Personal Banking | 1,715,387 | | | 1,187,738 | | | 697,848 | | | 362,956 | | | 279,014 | | | 1,366,605 | | | 500,317 | | | 43,434 | | | 6,153,299 | | | Business Banking: | | | | | | | | | | | | | | | | | | | Commercial real estate loans | | | | | | | | | | | | | | | | | | | Pass | 306,689 | | | 433,219 | | | 335,541 | | | 263,524 | | | 221,450 | | | 683,537 | | | 26,288 | | | 10,179 | | | 2,280,427 | | | Special mention | 803 | | | 1,808 | | | 52,513 | | | 3,296 | | | 1,394 | | | 8,529 | | | 729 | | | 23 | | | 69,095 | | | Substandard | — | | | 34,153 | | | 44,712 | | | 46,045 | | | 56,077 | | | 89,311 | | | 492 | | | 5,169 | | | 275,959 | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | Total commercial real estate loans | 307,492 | | | 469,180 | | | 432,766 | | | 312,865 | | | 278,921 | | | 781,377 | | | 27,509 | | | 15,371 | | | 2,625,481 | | | Commercial real estate - owner occupied | | | | | | | | | | | | | | | | | | | Pass | 69,084 | | | 19,452 | | | 51,997 | | | 60,824 | | | 57,676 | | | 94,687 | | | 2,822 | | | 2,707 | | | 359,249 | | | Special mention | — | | | — | | | — | | | 769 | | | 1,959 | | | 1,444 | | | 856 | | | — | | | 5,028 | | | Substandard | — | | | — | | | 3,575 | | | 2,887 | | | 7,840 | | | 10,602 | | | — | | | 822 | | | 25,726 | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | Total commercial real estate - owner occupied loans | 69,084 | | | 19,452 | | | 55,572 | | | 64,480 | | | 67,475 | | | 106,733 | | | 3,678 | | | 3,529 | | | 390,003 | | | Commercial loans | | | | | | | | | | | | | | | | | | | Pass | 224,367 | | | 110,171 | | | 73,276 | | | 27,668 | | | 20,748 | | | 76,987 | | | 262,805 | | | 12,301 | | | 808,323 | | | Special mention | 197 | | | 661 | | | 812 | | | 1,195 | | | 50 | | | 581 | | | 2,234 | | | — | | | 5,730 | | | Substandard | 329 | | | 4,767 | | | 5,102 | | | 4,437 | | | 1,529 | | | 2,116 | | | 6,667 | | | 8,609 | | | 33,556 | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | Total commercial loans | 224,893 | | | 115,599 | | | 79,190 | | | 33,300 | | | 22,327 | | | 79,684 | | | 271,706 | | | 20,910 | | | 847,609 | | | Total Business Banking | 601,469 | | | 604,231 | | | 567,528 | | | 410,645 | | | 368,723 | | | 967,794 | | | 302,893 | | | 39,810 | | | 3,863,093 | | | | | | | | | | | | | | | | | | | | | | Total loans | $ | 2,316,856 | | | 1,791,969 | | | 1,265,376 | | | 773,601 | | | 647,737 | | | 2,334,399 | | | 803,210 | | | 83,244 | | | 10,016,392 | | |
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