Schedule of Credit Quality of Loan Portfolio by Year of Origination |
The following tables present the credit quality of the Company's commercial type loan portfolio as of December 31, 2023 and 2022 and the gross charge-offs for the year ended December 31, 2023 by year of origination. Revolving loans are presented separately. Management considers the guidance in ASC 310-20 when determining whether a modification, extension, or renewal constitutes a current period origination. Generally, current period renewals of credit are reunderwritten at the point of renewal and considered current period originations for the purposes of the tables below. Effective January 1, 2023, the Company adopted the accounting guidance in ASU 2022-02 which requires the presentation of gross charge-offs by year of origination. The Company prospectively adopted ASU 2022-02; therefore, prior period activity of gross charge-offs by year of origination are not included in the below tables. | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | As of and for the year ended December 31, 2023 | | 2023 | | 2022 | | 2021 | | 2020 | | 2019 | | Prior | | Revolving Loans Amortized Cost Basis | | Total | | | Commercial and industrial | | | | | | | | | | | | | | | | | | | Pass | | $ | 225,734 | | | $ | 255,921 | | | $ | 151,492 | | | $ | 39,897 | | | $ | 70,302 | | | $ | 73,415 | | | $ | 839,918 | | | $ | 1,656,679 | | | | Special Mention | | — | | | 17,947 | | | 3,083 | | | — | | | 151 | | | 108 | | | 7,549 | | | 28,838 | | | | Classified | | 457 | | | 4,253 | | | 3,075 | | | 3,027 | | | 254 | | | 6,129 | | | 18,021 | | | 35,216 | | | | | | | | | | | | | | | | | | | | | | | Total | | 226,191 | | | 278,121 | | | 157,650 | | | 42,924 | | | 70,707 | | | 79,652 | | | 865,488 | | | 1,720,733 | | | | | | | | | | | | | | | | | | | | | | | Current-period gross charge-offs | | 14 | | | 7 | | | 201 | | | 22 | | | — | | | 87 | | | 131 | | | 462 | | | | Construction | | | | | | | | | | | | | | | | | | | Pass | | 179,929 | | | 677,387 | | | 148,312 | | | 46,697 | | | 39,140 | | | 49,954 | | | 208,491 | | | 1,349,910 | | | | Special Mention | | 1 | | | 4,659 | | | 2,943 | | | 1,202 | | | — | | | 690 | | | 12,000 | | | 21,495 | | | | Classified | | — | | | 2,349 | | | 1,484 | | | 6,620 | | | — | | | — | | | 15,455 | | | 25,908 | | | | | | | | | | | | | | | | | | | | | | | Total | | 179,930 | | | 684,395 | | | 152,739 | | | 54,519 | | | 39,140 | | | 50,644 | | | 235,946 | | | 1,397,313 | | | | | | | | | | | | | | | | | | | | | | | Current-period gross charge-offs | | — | | | — | | | — | | | — | | | — | | | — | | | — | | | — | | | | Residential real estate: | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | Multi-family mortgage | | | | | | | | | | | | | | | | | | | Pass | | 29,982 | | | 151,495 | | | 223,889 | | | 92,745 | | | 29,933 | | | 43,479 | | | 31,209 | | | 602,732 | | | | Special Mention | | — | | | — | | | — | | | — | | | — | | | — | | | — | | | — | | | | Classified | | — | | | — | | | — | | | — | | | — | | | 1,072 | | | — | | | 1,072 | | | | | | | | | | | | | | | | | | | | | | | Total | | 29,982 | | | 151,495 | | | 223,889 | | | 92,745 | | | 29,933 | | | 44,551 | | | 31,209 | | | 603,804 | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | Current-period gross charge-offs | | — | | | — | | | — | | | — | | | — | | | — | | | — | | | — | | | | Commercial real estate: | | | | | | | | | | | | | | | | | | | Owner occupied | | | | | | | | | | | | | | | | | | | Pass | | 118,030 | | | 261,196 | | | 231,241 | | | 115,397 | | | 151,146 | | | 281,253 | | | 53,970 | | | 1,212,233 | | | | Special Mention | | — | | | 1,297 | | | 1,827 | | | — | | | 154 | | | 2,617 | | | — | | | 5,895 | | | | Classified | | — | | | 6,305 | | | 16 | | | — | | | 760 | | | 5,789 | | | 1,073 | | | 13,943 | | | | | | | | | | | | | | | | | | | | | | | Total | | 118,030 | | | 268,798 | | | 233,084 | | | 115,397 | | | 152,060 | | | 289,659 | | | 55,043 | | | 1,232,071 | | | | | | | | | | | | | | | | | | | | | | | Current-period gross charge-offs | | — | | | — | | | 144 | | | — | | | — | | | — | | | — | | | 144 | | | | Non-owner occupied | | | | | | | | | | | | | | | | | | | Pass | | 47,026 | | | 474,560 | | | 478,878 | | | 117,429 | | | 178,448 | | | 580,168 | | | 43,577 | | | 1,920,086 | | | | Special Mention | | — | | | — | | | 3,975 | | | — | | | — | | | 10,435 | | | — | | | 14,410 | | | | Classified | | — | | | — | | | 1,001 | | | — | | | 381 | | | 7,647 | | | — | | | 9,029 | | | | | | | | | | | | | | | | | | | | | | | Total | | 47,026 | | | 474,560 | | | 483,854 | | | 117,429 | | | 178,829 | | | 598,250 | | | 43,577 | | | 1,943,525 | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | Current-period gross charge-offs | | — | | | — | | | — | | | — | | | — | | | — | | | — | | | — | | | | Total commercial loan types | | | | | | | | | | | | | | | | | | | Pass | | 600,701 | | | 1,820,559 | | | 1,233,812 | | | 412,165 | | | 468,969 | | | 1,028,269 | | | 1,177,165 | | | 6,741,640 | | | | Special Mention | | 1 | | | 23,903 | | | 11,828 | | | 1,202 | | | 305 | | | 13,850 | | | 19,549 | | | 70,638 | | | | Classified | | 457 | | | 12,907 | | | 5,576 | | | 9,647 | | | 1,395 | | | 20,637 | | | 34,549 | | | 85,168 | | | | | | | | | | | | | | | | | | | | | | | Total | | $ | 601,159 | | | $ | 1,857,369 | | | $ | 1,251,216 | | | $ | 423,014 | | | $ | 470,669 | | | $ | 1,062,756 | | | $ | 1,231,263 | | | $ | 6,897,446 | | | | Current-period gross charge-offs | | $ | 14 | | | $ | 7 | | | $ | 345 | | | $ | 22 | | | $ | — | | | $ | 87 | | | $ | 131 | | | $ | 606 | | | |
| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | As of December 31, 2022 | | 2022 | | 2021 | | 2020 | | 2019 | | 2018 | | Prior | | Revolving Loans Amortized Cost Basis | | Total | | | Commercial and industrial | | | | | | | | | | | | | | | | | | | Pass | | $ | 396,643 | | | $ | 204,000 | | | $ | 67,231 | | | $ | 90,894 | | | $ | 39,780 | | | $ | 62,816 | | | $ | 762,717 | | | $ | 1,624,081 | | | | Special Mention | | 125 | | | 7 | | | — | | | 160 | | | 143 | | | 771 | | | 2,520 | | | 3,726 | | | | Classified | | 65 | | | 823 | | | 1,916 | | | 1,651 | | | 273 | | | 6,913 | | | 6,335 | | | 17,976 | | | | | | | | | | | | | | | | | | | | | | | Total | | 396,833 | | | 204,830 | | | 69,147 | | | 92,705 | | | 40,196 | | | 70,500 | | | 771,572 | | | 1,645,783 | | | | | | | | | | | | | | | | | | | | | | | Construction | | | | | | | | | | | | | | | | | | | Pass | | 682,885 | | | 495,723 | | | 142,233 | | | 84,599 | | | 17,360 | | | 44,326 | | | 188,906 | | | 1,656,032 | | | | Special Mention | | — | | | — | | | 15 | | | — | | | — | | | 707 | | | — | | | 722 | | | | Classified | | 80 | | | 309 | | | — | | | — | | | — | | | 345 | | | — | | | 734 | | | | | | | | | | | | | | | | | | | | | | | Total | | 682,965 | | | 496,032 | | | 142,248 | | | 84,599 | | | 17,360 | | | 45,378 | | | 188,906 | | | 1,657,488 | | | | | | | | | | | | | | | | | | | | | | | Residential real estate: | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | Multi-family mortgage | | | | | | | | | | | | | | | | | | | Pass | | 142,912 | | | 147,168 | | | 96,819 | | | 33,547 | | | 6,971 | | | 37,385 | | | 13,604 | | | 478,406 | | | | Special Mention | | — | | | — | | | — | | | — | | | — | | | — | | | — | | | — | | | | Classified | | — | | | — | | | — | | | — | | | — | | | 1,166 | | | — | | | 1,166 | | | | | | | | | | | | | | | | | | | | | | | Total | | 142,912 | | | 147,168 | | | 96,819 | | | 33,547 | | | 6,971 | | | 38,551 | | | 13,604 | | | 479,572 | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | Commercial real estate: | | | | | | | | | | | | | | | | | | | Owner occupied | | | | | | | | | | | | | | | | | | | Pass | | 237,862 | | | 223,883 | | | 110,748 | | | 148,405 | | | 66,101 | | | 246,414 | | | 57,220 | | | 1,090,633 | | | | Special Mention | | 101 | | | 683 | | | — | | | 168 | | | 2,225 | | | 1,258 | | | 5,000 | | | 9,435 | | | | Classified | | — | | | 1,293 | | | 224 | | | 4,589 | | | 1,276 | | | 7,018 | | | 112 | | | 14,512 | | | | | | | | | | | | | | | | | | | | | | | Total | | 237,963 | | | 225,859 | | | 110,972 | | | 153,162 | | | 69,602 | | | 254,690 | | | 62,332 | | | 1,114,580 | | | | | | | | | | | | | | | | | | | | | | | Non-owner occupied | | | | | | | | | | | | | | | | | | | Pass | | 467,360 | | | 440,319 | | | 131,497 | | | 159,205 | | | 210,752 | | | 473,607 | | 60,908 | | | 1,943,648 | | | | Special Mention | | — | | | — | | | — | | | — | | | 82 | | | 2,459 | | — | | | 2,541 | | | | Classified | | — | | | 2,258 | | | — | | | 146 | | | 3,270 | | | 12,147 | | — | | | 17,821 | | | | | | | | | | | | | | | | | | | | | | | Total | | 467,360 | | | 442,577 | | | 131,497 | | | 159,351 | | | 214,104 | | | 488,213 | | | 60,908 | | | 1,964,010 | | | | | | | | | | | | | | | | | | | | | | | Total commercial loan types | | | | | | | | | | | | | | | | | | | Pass | | 1,927,662 | | | 1,511,093 | | | 548,528 | | | 516,650 | | | 340,964 | | | 864,548 | | | 1,083,355 | | | 6,792,800 | | | | Special Mention | | 226 | | | 690 | | | 15 | | | 328 | | | 2,450 | | | 5,195 | | | 7,520 | | | 16,424 | | | | Classified | | 145 | | | 4,683 | | | 2,140 | | | 6,386 | | | 4,819 | | | 27,589 | | | 6,447 | | | 52,209 | | | | Total | | $ | 1,928,033 | | | $ | 1,516,466 | | | $ | 550,683 | | | $ | 523,364 | | | $ | 348,233 | | | $ | 897,332 | | | $ | 1,097,322 | | | $ | 6,861,433 | | | |
The following tables present the credit quality by classification (performing or nonperforming) of the Company's consumer type loan portfolio as of December 31, 2023 and 2022 and the gross charge-offs for the year ended December 31, 2023 by year of origination. Revolving loans are presented separately. Management considers the guidance in ASC 310-20 when determining whether a modification, extension, or renewal constitutes a current period origination. Generally, current period renewals of credit are reunderwritten at the point of renewal and considered current period originations for the purposes of the tables below. Effective January 1, 2023, the Company adopted the accounting guidance in ASU 2022-02 which requires the presentation of gross charge-offs by year of origination. The Company prospectively adopted ASU 2022-02; therefore, prior period balances for gross charge-offs by year of origination are not included in the below tables. | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | As of and for the year ended December 31, 2023 | | 2023 | | 2022 | | 2021 | | 2020 | | 2019 | | Prior | | Revolving Loans Amortized Cost Basis | | Total | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | Residential real estate: | | | | | | | | | | | | | | | | | 1-to-4 family mortgage | | | | | | | | | | | | | | | | | Performing | | $ | 198,537 | | | $ | 500,628 | | | $ | 399,338 | | | $ | 145,484 | | | $ | 81,905 | | | $ | 226,587 | | | $ | — | | | $ | 1,552,479 | | Nonperforming | | 76 | | | 2,565 | | | 4,026 | | | 3,846 | | | 690 | | | 4,870 | | | — | | | 16,073 | | Total | | 198,613 | | | 503,193 | | | 403,364 | | | 149,330 | | | 82,595 | | | 231,457 | | | — | | | 1,568,552 | | Current-period gross charge-offs | | — | | | 18 | | | — | | | 4 | | | — | | | 24 | | | — | | | 46 | | Residential line of credit | | | | | | | | | | | | | | | | | Performing | | — | | | — | | | — | | | — | | | — | | | — | | | 528,439 | | | 528,439 | | Nonperforming | | — | | | — | | | — | | | — | | | — | | | — | | | 2,473 | | | 2,473 | | Total | | — | | | — | | | — | | | — | | | — | | | — | | | 530,912 | | | 530,912 | | Current-period gross charge-offs | | — | | | — | | | — | | | — | | | — | | | — | | | — | | | — | | Consumer and other | | | | | | | | | | | | | | | | | Performing | | 104,399 | | | 91,557 | | | 45,187 | | | 34,928 | | | 24,040 | | | 93,833 | | | 6,890 | | | 400,834 | | Nonperforming | | 528 | | | 1,025 | | | 2,562 | | | 1,819 | | | 1,264 | | | 3,841 | | | — | | | 11,039 | | Total | | 104,927 | | | 92,582 | | | 47,749 | | | 36,747 | | | 25,304 | | | 97,674 | | | 6,890 | | | 411,873 | | Current-period gross charge-offs | | 1,463 | | | 564 | | | 139 | | | 201 | | | 110 | | | 372 | | | 2 | | | 2,851 | | Total consumer type loans | | | | | | | | | | | | | | | | | Performing | | 302,936 | | | 592,185 | | | 444,525 | | | 180,412 | | | 105,945 | | | 320,420 | | | 535,329 | | | 2,481,752 | | Nonperforming | | 604 | | | 3,590 | | | 6,588 | | | 5,665 | | | 1,954 | | | 8,711 | | | 2,473 | | | 29,585 | | Total | | $ | 303,540 | | | $ | 595,775 | | | $ | 451,113 | | | $ | 186,077 | | | $ | 107,899 | | | $ | 329,131 | | | $ | 537,802 | | | $ | 2,511,337 | | Current-period gross charge-offs | | $ | 1,463 | | | $ | 582 | | | $ | 139 | | | $ | 205 | | | $ | 110 | | | $ | 396 | | | $ | 2 | | | $ | 2,897 | |
| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | As of December 31, 2022 | | 2022 | | 2021 | | 2020 | | 2019 | | 2018 | | Prior | | Revolving Loans Amortized Cost Basis | | Total | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | Residential real estate: | | | | | | | | | | | | | | | | | 1-to-4 family mortgage | | | | | | | | | | | | | | | | | Performing | | $ | 568,210 | | | $ | 448,401 | | | $ | 160,715 | | | $ | 93,548 | | | $ | 68,113 | | | $ | 211,019 | | | $ | — | | | $ | 1,550,006 | | Nonperforming | | 1,227 | | | 5,163 | | | 5,472 | | | 1,778 | | | 2,044 | | | 7,431 | | | — | | | 23,115 | | Total | | 569,437 | | | 453,564 | | | 166,187 | | | 95,326 | | | 70,157 | | | 218,450 | | | — | | | 1,573,121 | | Residential line of credit | | | | | | | | | | | | | | | | | Performing | | — | | | — | | | — | | | — | | | — | | | — | | | 495,129 | | | 495,129 | | Nonperforming | | — | | | — | | | — | | | — | | | — | | | — | | | 1,531 | | | 1,531 | | Total | | — | | | — | | | — | | | — | | | — | | | — | | | 496,660 | | | 496,660 | | Consumer and other | | | | | | | | | | | | | | | | | Performing | | 118,637 | | | 56,779 | | | 41,008 | | | 29,139 | | | 26,982 | | | 82,318 | | | 4,175 | | | 359,038 | | Nonperforming | | 166 | | | 1,396 | | | 1,460 | | | 906 | | | 1,507 | | | 2,525 | | | — | | | 7,960 | | Total | | 118,803 | | | 58,175 | | | 42,468 | | | 30,045 | | | 28,489 | | | 84,843 | | | 4,175 | | | 366,998 | | Total consumer type loans | | | | | | | | | | | | | | | | | Performing | | 686,847 | | | 505,180 | | | 201,723 | | | 122,687 | | | 95,095 | | | 293,337 | | | 499,304 | | | 2,404,173 | | Nonperforming | | 1,393 | | | 6,559 | | | 6,932 | | | 2,684 | | | 3,551 | | | 9,956 | | | 1,531 | | | 32,606 | | Total | | $ | 688,240 | | | $ | 511,739 | | | $ | 208,655 | | | $ | 125,371 | | | $ | 98,646 | | | $ | 303,293 | | | $ | 500,835 | | | $ | 2,436,779 | |
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Schedule of Analysis of Aging by Class of Financing Receivable |
The following tables represent an analysis of the aging by class of financing receivable as of December 31, 2023 and 2022: | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | December 31, 2023 | | 30-89 days past due and accruing interest | | 90 days or more and accruing interest | | Nonaccrual loans | | | | Loans current on payments and accruing interest | | Total | Commercial and industrial | | $ | 732 | | | $ | — | | | $ | 21,730 | | | | | $ | 1,698,271 | | | $ | 1,720,733 | | Construction | | 6,579 | | | 165 | | | 2,872 | | | | | 1,387,697 | | | 1,397,313 | | Residential real estate: | | | | | | | | | | | | | 1-to-4 family mortgage | | 21,768 | | | 9,355 | | | 6,718 | | | | | 1,530,711 | | | 1,568,552 | | Residential line of credit | | 2,464 | | | 1,337 | | | 1,136 | | | | | 525,975 | | | 530,912 | | Multi-family mortgage | | — | | | — | | | 32 | | | | | 603,772 | | | 603,804 | | Commercial real estate: | | | | | | | | | | | | | Owner occupied | | 480 | | | — | | | 3,188 | | | | | 1,228,403 | | | 1,232,071 | | Non-owner occupied | | 4,059 | | | — | | | 3,351 | | | | | 1,936,115 | | | 1,943,525 | | Consumer and other | | 10,961 | | | 1,836 | | | 9,203 | | | | | 389,873 | | | 411,873 | | Total | | $ | 47,043 | | | $ | 12,693 | | | $ | 48,230 | | | | | $ | 9,300,817 | | | $ | 9,408,783 | |
| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | December 31, 2022 | | 30-89 days past due and accruing interest | | 90 days or more and accruing interest | | Nonaccrual loans | | | | Loans current on payments and accruing interest | | Total | Commercial and industrial | | $ | 1,650 | | | $ | 136 | | | $ | 1,307 | | | | | $ | 1,642,690 | | | $ | 1,645,783 | | Construction | | 1,246 | | | — | | | 389 | | | | | 1,655,853 | | | 1,657,488 | | Residential real estate: | | | | | | | | | | | | | 1-to-4 family mortgage | | 15,470 | | | 16,639 | | | 6,476 | | | | | 1,534,536 | | | 1,573,121 | | Residential line of credit | | 772 | | | 131 | | | 1,400 | | | | | 494,357 | | | 496,660 | | Multi-family mortgage | | — | | | — | | | 42 | | | | | 479,530 | | | 479,572 | | Commercial real estate: | | | | | | | | | | | | | Owner occupied | | 1,948 | | | — | | | 5,410 | | | | | 1,107,222 | | | 1,114,580 | | Non-owner occupied | | 102 | | | — | | | 5,956 | | | | | 1,957,952 | | | 1,964,010 | | Consumer and other | | 10,108 | | | 1,509 | | | 6,451 | | | | | 348,930 | | | 366,998 | | Total | | $ | 31,296 | | | $ | 18,415 | | | $ | 27,431 | | | | | $ | 9,221,070 | | | $ | 9,298,212 | |
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Schedule of Changes in Allowance for Credit Losses on Loans HFI by Class of Financing Receivable |
The following tables provide the changes in the allowance for credit losses on loans HFI by class of financing receivable for the years ended December 31, 2023, 2022, and 2021: | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | Commercial and industrial | | Construction | | 1-to-4 family residential mortgage | | Residential line of credit | | Multi-family residential mortgage | | Commercial real estate owner occupied | | Commercial real estate non-owner occupied | | Consumer and other | | Total | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | Year Ended December 31, 2023 | | Beginning balance - December 31, 2022 | | $ | 11,106 | | | $ | 39,808 | | | $ | 26,141 | | | $ | 7,494 | | | $ | 6,490 | | | $ | 7,783 | | | $ | 21,916 | | | $ | 13,454 | | | $ | 134,192 | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | Provision for (reversal of) credit losses on loans HFI | | 8,682 | | | (4,446) | | | 310 | | | 1,973 | | | 2,352 | | | 2,905 | | | (784) | | | 5,746 | | | 16,738 | | | Recoveries of loans previously charged-off | | 273 | | | 10 | | | 100 | | | 1 | | | — | | | 109 | | | 1,833 | | | 573 | | | 2,899 | | | Loans charged off | | (462) | | | — | | | (46) | | | — | | | — | | | (144) | | | — | | | (2,851) | | | (3,503) | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | Ending balance - December 31, 2023 | | $ | 19,599 | | | $ | 35,372 | | | $ | 26,505 | | | $ | 9,468 | | | $ | 8,842 | | | $ | 10,653 | | | $ | 22,965 | | | $ | 16,922 | | | $ | 150,326 | | |
| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | Commercial and industrial | | Construction | | 1-to-4 family residential mortgage | | Residential line of credit | | Multi-family residential mortgage | | Commercial real estate owner occupied | | Commercial real estate non-owner occupied | | Consumer and other | | Total | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | Year Ended December 31, 2022 | | | Beginning balance - December 31, 2021 | | $ | 15,751 | | | $ | 28,576 | | | $ | 19,104 | | | $ | 5,903 | | | $ | 6,976 | | | $ | 12,593 | | | $ | 25,768 | | | $ | 10,888 | | | $ | 125,559 | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | (Reversal of) provision for credit losses on loans HFI | | (4,563) | | | 11,221 | | | 7,060 | | | 1,574 | | | (486) | | | (4,883) | | | (3,584) | | | 4,054 | | | 10,393 | | | Recoveries of loans previously charged-off | | 2,005 | | | 11 | | | 54 | | | 17 | | | — | | | 88 | | | — | | | 766 | | | 2,941 | | | Loans charged off | | (2,087) | | | — | | | (77) | | | — | | | — | | | (15) | | | (268) | | | (2,254) | | | (4,701) | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | Ending balance - December 31, 2022 | | $ | 11,106 | | | $ | 39,808 | | | $ | 26,141 | | | $ | 7,494 | | | $ | 6,490 | | | $ | 7,783 | | | $ | 21,916 | | | $ | 13,454 | | | $ | 134,192 | | |
| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | Commercial and industrial | | Construction | | 1-to-4 family residential mortgage | | Residential line of credit | | Multi-family residential mortgage | | Commercial real estate owner occupied | | Commercial real estate non-owner occupied | | Consumer and other | | Total | Year Ended December 31, 2021 | | Beginning balance - December 31, 2020 | | $ | 14,748 | | | $ | 58,477 | | | $ | 19,220 | | | $ | 10,534 | | | $ | 7,174 | | | $ | 4,849 | | | $ | 44,147 | | | $ | 11,240 | | | $ | 170,389 | | Provision for (reversal of) credit losses on loans HFI | | 4,178 | | | (29,874) | | | (87) | | | (4,728) | | | (197) | | | 7,588 | | | (16,813) | | | 938 | | | (38,995) | | Recoveries of loans previously charged-off | | 861 | | | 3 | | | 125 | | | 115 | | | — | | | 156 | | | — | | | 773 | | | 2,033 | | Loans charged off | | (4,036) | | | (30) | | | (154) | | | (18) | | | (1) | | | — | | | (1,566) | | | (2,063) | | | (7,868) | | Ending balance - December 31, 2021 | | $ | 15,751 | | | $ | 28,576 | | | $ | 19,104 | | | $ | 5,903 | | | $ | 6,976 | | | $ | 12,593 | | | $ | 25,768 | | | $ | 10,888 | | | $ | 125,559 | |
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