Loans and Allowance for Loan Losses (Tables)

9 Months Ended

Sep. 30, 2023

Schedule of Current, Accruing Past Due, and Non-accrual Loans

The following tables provide a summary of current, accruing past due, and non-accrual loans by portfolio class as of September 30, 2023 and December 31, 2022.


	September 30, 2023
(in thousands)	Current		Accruing 30-89 Days Past Due		Accruing 90 Days or Greater Past Due		Total Accruing Past Due		Non-accrual with an ALL		Non-accrual without an ALL		Total
Commercial, financial and agricultural	$	14,389,845	$	10,425	$	1,228	$	11,653	$	77,025	$	20,443	$	14,498,966
Owner-occupied	8,191,169		5,509		805		6,314		56,212		28,293		8,281,988
Total commercial and industrial	22,581,014		15,934		2,033		17,967		133,237		48,736		22,780,954
Investment properties	11,345,548		1,263		—		1,263		29,300		1,644		11,377,755
1-4 family properties	615,804		1,714		—		1,714		2,618		768		620,904
Land and development	395,267		122		—		122		805		—		396,194
Total commercial real estate	12,356,619		3,099		—		3,099		32,723		2,412		12,394,853
Consumer mortgages	5,341,023		6,396		—		6,396		43,863		—		5,391,282
Home equity	1,764,827		7,813		96		7,909		11,620		—		1,784,356
Credit cards	187,714		1,669		1,663		3,332		—		—		191,046
Other consumer loans	1,113,207		16,271		—		16,271		7,912		29		1,137,419
Total consumer	8,406,771		32,149		1,759		33,908		63,395		29		8,504,103
Loans, net of deferred fees and costs	$	43,344,404	$	51,182	$	3,792	$	54,974	$	229,355	$	51,177	$	43,679,910


	December 31, 2022
(in thousands)	Current		Accruing 30-89 Days Past Due		Accruing 90 Days or Greater Past Due		Total Accruing Past Due		Non-accrual with an ALL		Non-accrual without an ALL		Total
Commercial, financial and agricultural	$	13,798,639	$	15,033	$	1,437	$	16,470	$	48,008	$	11,299	$	13,874,416
Owner-occupied	8,181,649		487		—		487		9,499		605		8,192,240
Total commercial and industrial	21,980,288		15,520		1,437		16,957		57,507		11,904		22,066,656
Investment properties	11,639,614		960		—		960		1,785		1,688		11,644,047
1-4 family properties	613,049		762		—		762		2,172		950		616,933
Land and development	388,098		77		—		77		1,158		—		389,333
Total commercial real estate	12,640,761		1,799		—		1,799		5,115		2,638		12,650,313
Consumer mortgages	5,163,417		13,969		210		14,179		36,847		—		5,214,443
Home equity	1,742,412		7,795		1		7,796		6,830		—		1,757,038
Credit cards	200,047		1,843		1,722		3,565		—		—		203,612
Other consumer loans	1,795,799		21,269		3		21,272		7,220		—		1,824,291
Total consumer	8,901,675		44,876		1,936		46,812		50,897		—		8,999,384
Loans, net of deferred fees and costs	$	43,522,724	$	62,195	$	3,373	$	65,568	$	113,519	$	14,542	$	43,716,353

Schedule of Loan Portfolio Credit Exposure

The following table summarizes each loan portfolio class by risk grade and origination year as of September 30, 2023 as required under CECL. In addition, gross charge-offs by loan portfolio class and origination year as of September 30, 2023 are included below as a result of the adoption of ASU 2022-02, Financial Instruments – Credit Losses (Topic 326): Troubled Debt Restructurings and Vintage Disclosure.


	September 30, 2023
	Term Loans Amortized Cost Basis by Origination Year												Revolving Loans
(in thousands)	2023		2022		2021		2020		2019		Prior		Amortized Cost Basis		Converted to Term Loans		Total
Commercial, financial and agricultural
Pass	$	868,156	$	1,108,304	$	1,517,903	$	835,873	$	653,805	$	1,357,091	$	7,474,724	$	48,160	$	13,864,016
Special Mention	4,713		2,718		7,430		13,463		5,434		8,911		180,091		—		222,760
Substandard(1)	30,634		15,365		41,875		36,051		109,633		21,981		141,603		1,740		398,882
Doubtful(2)	—		—		—		—		—		—		12,560		—		12,560
Loss(3)(4)	—		—		—		31		—		355		362		—		748
Total commercial, financial and agricultural	903,503		1,126,387		1,567,208		885,418		768,872		1,388,338		7,809,340		49,900		14,498,966
Current YTD Period:
Gross charge-offs	8,712		2,888		7,973		19,475		1,092		1,821		25,535		203		67,699
Owner-occupied
Pass	687,136		1,580,695		1,591,207		1,035,957		739,192		1,405,730		828,919		—		7,868,836
Special Mention	1,420		6,806		17,532		4,314		7,855		87,726		60,372		—		186,025
Substandard(1)	4,110		22,810		14,596		47,683		17,903		92,433		11,592		—		211,127
Loss(4)	—		—		—		16,000		—		—		—		—		16,000
Total owner-occupied	692,666		1,610,311		1,623,335		1,103,954		764,950		1,585,889		900,883		—		8,281,988
Current YTD Period:
Gross charge-offs	—		—		353		2,922		223		—		—		—		3,498
Total commercial and industrial	1,596,169		2,736,698		3,190,543		1,989,372		1,533,822		2,974,227		8,710,223		49,900		22,780,954
Current YTD Period:
Gross charge-offs	$	8,712	$	2,888	$	8,326	$	22,397	$	1,315	$	1,821	$	25,535	$	203	$	71,197
Investment properties
Pass	465,804		2,885,666		3,050,669		1,258,558		1,092,611		1,997,336		316,882		—		11,067,526
Special Mention	—		1,089		72,320		—		48,155		31,560		—		—		153,124
Substandard(1)	2,317		1,729		41,185		501		1,644		82,264		—		—		129,640
Doubtful(2)	—		—		—		—		—		27,427		—		—		27,427
Loss(4)	—		—		—		—		—		38		—		—		38
Total investment properties	468,121		2,888,484		3,164,174		1,259,059		1,142,410		2,138,625		316,882		—		11,377,755
Current YTD Period:
Gross charge-offs(5)	546		7,685		5,610		3,801		1,893		720		3,109		—		23,364
1-4 family properties
Pass	148,733		154,664		116,152		33,752		31,342		59,734		67,040		—		611,417
Special Mention	1,836		1,567		—		189		—		317		1		—		3,910
Substandard(1)	1,670		819		857		419		338		1,429		45		—		5,577
Total 1-4 family properties	152,239		157,050		117,009		34,360		31,680		61,480		67,086		—		620,904
Current YTD Period:
Gross charge-offs	—		—		—		—		—		24		—		—		24


	September 30, 2023
	Term Loans Amortized Cost Basis by Origination Year												Revolving Loans
(in thousands)	2023		2022		2021		2020		2019		Prior		Amortized Cost Basis		Converted to Term Loans		Total

Land and development
Pass	93,947		99,914		48,010		17,182		34,099		66,548		1,615		—		361,315
Special Mention	787		503		—		—		—		943		—		—		2,233
Substandard(1)	581		483		34		705		602		30,241		—		—		32,646
Total land and development	95,315		100,900		48,044		17,887		34,701		97,732		1,615		—		396,194
Current YTD Period:
Gross charge-offs	—		—		—		77		—		—		—		—		77
Total commercial real estate	715,675		3,146,434		3,329,227		1,311,306		1,208,791		2,297,837		385,583		—		12,394,853
Current YTD Period:
Gross charge-offs	$	546	$	7,685	$	5,610	$	3,878	$	1,893	$	744	$	3,109	$	—	$	23,465
Consumer mortgages
Pass	607,009		821,002		1,070,115		1,245,466		422,631		1,168,922		34		—		5,335,179
Substandard(1)	4		1,877		6,033		15,193		8,464		23,841		—		—		55,412
Loss(4)	—		—		—		—		4		687		—		—		691
Total consumer mortgages	607,013		822,879		1,076,148		1,260,659		431,099		1,193,450		34		—		5,391,282
Current YTD Period:
Gross charge-offs	—		108		251		372		365		965		5		—		2,066
Home equity
Pass	—		—		—		—		—		—		1,275,873		493,861		1,769,734
Substandard(1)	—		—		—		—		—		—		9,305		5,053		14,358
Loss(4)	—		—		—		—		—		—		180		84		264
Total home equity	—		—		—		—		—		—		1,285,358		498,998		1,784,356
Current YTD Period:
Gross charge-offs	—		—		—		—		—		79		555		49		683
Credit cards
Pass	—		—		—		—		—		—		189,384		—		189,384
Substandard(1)	—		—		—		—		—		—		623		—		623
Loss(3)	—		—		—		—		—		—		1,039		—		1,039
Total credit cards	—		—		—		—		—		—		191,046		—		191,046
Current YTD Period:
Gross charge-offs	—		—		—		—		—		—		5,592		—		5,592
Other consumer loans
Pass	114,915		200,898		245,049		125,654		33,574		121,528		286,995		—		1,128,613
Substandard(1)	386		928		4,593		1,610		411		778		94		—		8,800
Loss(3)	—		—		—		—		—		6		—		—		6
Total other consumer loans	115,301		201,826		249,642		127,264		33,985		122,312		287,089		—		1,137,419
Current YTD Period:
Gross charge-offs(5)	197		4,238		20,077		2,774		1,782		1,465		1,990		—		32,523
Total consumer	722,314		1,024,705		1,325,790		1,387,923		465,084		1,315,762		1,763,527		498,998		8,504,103
Current YTD Period:
Gross charge-offs	$	197	$	4,346	$	20,328	$	3,146	$	2,147	$	2,509	$	8,142	$	49	$	40,864
Loans, net of deferred fees and costs	$	3,034,158	$	6,907,837	$	7,845,560	$	4,688,601	$	3,207,697	$	6,587,826	$	10,859,333	$	548,898	$	43,679,910
Current YTD Period:
Gross charge-offs	$	9,455	$	14,919	$	34,264	$	29,421	$	5,355	$	5,074	$	36,786	$	252	$	135,526

(1) The majority of loans within Substandard risk grade are accruing loans at September 30, 2023.

(2) Loans within Doubtful risk grade are on non-accrual status and generally have an ALL equal to 50% of the loan amount.

(3) Represent amounts that were 120 days past due. These credits are downgraded to the Loss category with an ALL equal to the full loan amount and are generally charged off upon reaching 181 days past due in accordance with the FFIEC Retail Credit Classification Policy.

(4) Loans within Loss risk grade are on non-accrual status and have an ALL equal to the full loan amount.

(5) Includes $31.3 million in gross charge-offs related to the transfer of certain loans to held for sale that sold during the third quarter of 2023.

The following table summarizes each loan portfolio class by risk grade and origination year as of December 31, 2022 as required under CECL.


	December 31, 2022
	Term Loans Amortized Cost Basis by Origination Year												Revolving Loans
(in thousands)	2022		2021		2020		2019		2018		Prior		Amortized Cost Basis		Converted to Term Loans		Total
Commercial, financial and agricultural
Pass	$	1,276,814	$	1,911,353	$	1,009,230	$	782,100	$	536,001	$	1,037,488	$	6,862,070	$	43,748	$	13,458,804
Special Mention	4,131		14,289		12,691		6,637		5,716		2,777		81,889		1,710		129,840
Substandard(1)	13,751		17,780		38,943		42,773		18,405		21,418		131,422		1,003		285,495

Loss(2)	—		—		—		—		—		—		277		—		277
Total commercial, financial and agricultural	1,294,696		1,943,422		1,060,864		831,510		560,122		1,061,683		7,075,658		46,461		13,874,416
Owner-occupied
Pass	1,537,016		1,675,524		1,137,889		909,525		664,734		1,103,500		866,920		—		7,895,108
Special Mention	4,238		6,760		24,175		13,913		5,024		69,500		—		—		123,610
Substandard(1)	19,437		13,381		63,925		7,415		51,364		17,755		—		—		173,277
Loss(3)	—		245		—		—		—		—		—		—		245
Total owner-occupied	1,560,691		1,695,910		1,225,989		930,853		721,122		1,190,755		866,920		—		8,192,240
Total commercial and industrial	2,855,387		3,639,332		2,286,853		1,762,363		1,281,244		2,252,438		7,942,578		46,461		22,066,656
Investment properties
Pass	2,671,660		3,245,669		1,532,230		1,220,974		775,747		1,543,724		541,118		—		11,531,122
Special Mention	2,379		1,550		—		14,570		5,908		2,388		146		—		26,941
Substandard(1)	5,973		1,455		176		1,688		51,767		3,931		20,994		—		85,984
Total investment properties	2,680,012		3,248,674		1,532,406		1,237,232		833,422		1,550,043		562,258		—		11,644,047
1-4 family properties
Pass	248,418		154,181		44,032		33,246		27,053		55,543		47,732		—		610,205
Special Mention	1		—		752		—		—		297		—		—		1,050
Substandard(1)	1,309		1,429		75		741		836		1,243		45		—		5,678
Total 1-4 family properties	249,728		155,610		44,859		33,987		27,889		57,083		47,777		—		616,933
Land and development
Pass	119,801		84,055		21,984		39,484		18,600		64,854		5,078		—		353,856
Special Mention	—		—		744		—		29,618		1,118		—		—		31,480
Substandard(1)	699		325		220		627		472		1,654		—		—		3,997
Total land and development	120,500		84,380		22,948		40,111		48,690		67,626		5,078		—		389,333
Total commercial real estate	3,050,240		3,488,664		1,600,213		1,311,330		910,001		1,674,752		615,113		—		12,650,313


	December 31, 2022
	Term Loans Amortized Cost Basis by Origination Year												Revolving Loans
(in thousands)	2022		2021		2020		2019		2018		Prior		Amortized Cost Basis		Converted to Term Loans		Total
Consumer mortgages
Pass	$	857,489	$	1,188,652	$	1,356,065	$	458,441	$	182,834	$	1,118,686	$	143	$	—	$	5,162,310
Substandard(1)	1,153		6,452		8,519		9,442		6,167		19,662		—		—		51,395
Loss(3)	—		—		—		4		—		734		—		—		738
Total consumer mortgages	858,642		1,195,104		1,364,584		467,887		189,001		1,139,082		143		—		5,214,443
Home equity
Pass	—		—		—		—		—		—		1,241,201		504,272		1,745,473
Substandard(1)	—		—		—		—		—		—		6,534		4,512		11,046
Loss(3)	—		—		—		—		—		—		402		117		519
Total home equity	—		—		—		—		—		—		1,248,137		508,901		1,757,038
Credit cards
Pass	—		—		—		—		—		—		201,898		—		201,898
Substandard(1)	—		—		—		—		—		—		617		—		617
Loss(2)	—		—		—		—		—		—		1,097		—		1,097
Total credit cards	—		—		—		—		—		—		203,612		—		203,612
Other consumer loans
Pass	284,045		524,601		457,684		61,760		31,662		142,189		313,565		—		1,815,506
Substandard(1)	1,417		3,810		1,648		712		163		888		139		—		8,777
Loss(2)	—		—		—		—		—		8		—		—		8
Total other consumer loans	285,462		528,411		459,332		62,472		31,825		143,085		313,704		—		1,824,291
Total consumer	1,144,104		1,723,515		1,823,916		530,359		220,826		1,282,167		1,765,596		508,901		8,999,384
Loans, net of deferred fees and costs	$	7,049,731	$	8,851,511	$	5,710,982	$	3,604,052	$	2,412,071	$	5,209,357	$	10,323,287	$	555,362	$	43,716,353

(1) The majority of loans within Substandard risk grade are accruing loans at December 31, 2022.

(2) Represent amounts that were 120 days past due. These credits are downgraded to the Loss category with an ALL equal to the full loan amount and are generally charged off upon reaching 181 days past due in accordance with the FFIEC Retail Credit Classification Policy.

(3) Loans within Loss risk grade are on non-accrual status and have an ALL equal to the full loan amount.

Schedule of Financing Receivable, Allowance for Credit Loss

The following tables detail the changes in the ALL by loan segment for the three and nine months ended September 30, 2023 and 2022. During the three and nine months ended September 30, 2023, Synovus charged-off $23.3 million and $31.3 million in previously established reserves for credit losses associated with the transfer of $1.17 billion and $1.59 billion, respectively, in loans to held for sale for the sales of medical office building loans and third-party consumer loans that both closed in the third quarter of 2023.


	As Of and For the Three Months Ended September 30, 2023
(in thousands)	Commercial & Industrial		Commercial Real Estate		Consumer		Total
Allowance for loan losses:
Beginning balance at June 30, 2023	$	159,987	$	169,726	$	141,525	$	471,238
Charge-offs	(40,483)		(23,364)		(10,088)		(73,935)
Recoveries	3,842		310		2,961		7,113
Provision for (reversal of) loan losses	56,322		16,490		304		73,116
Ending balance at September 30, 2023	$	179,668	$	163,162	$	134,702	$	477,532

	As Of and For the Three Months Ended September 30, 2022
(in thousands)	Commercial & Industrial		Commercial Real Estate		Consumer		Total
Allowance for loan losses:
Beginning balance at June 30, 2022	$	160,008	$	104,218	$	143,611	$	407,837
Charge-offs	(6,676)		(143)		(8,903)		(15,722)
Recoveries	6,904		425		3,711		11,040
Provision for (reversal of) loan losses	(1,209)		17,101		2,312		18,204
Ending balance at September 30, 2022	$	159,027	$	121,601	$	140,731	$	421,359

	As Of and For the Nine Months Ended September 30, 2023
(in thousands)	Commercial & Industrial		Commercial Real Estate		Consumer		Total
Allowance for loan losses:
Beginning balance at December 31, 2022	$	161,550	$	143,575	$	138,299	$	443,424
Charge-offs	(71,197)		(23,465)		(40,864)		(135,526)
Recoveries	13,720		972		9,066		23,758
Provision for (reversal of) loan losses	75,595		42,080		28,201		145,876
Ending balance at September 30, 2023	$	179,668	$	163,162	$	134,702	$	477,532

	As Of and For the Nine Months Ended September 30, 2022
(in thousands)	Commercial & Industrial		Commercial Real Estate		Consumer		Total
Allowance for loan losses:
Beginning balance at December 31, 2021	$	188,364	$	97,760	$	141,473	$	427,597
Charge-offs	(35,951)		(2,851)		(25,765)		(64,567)
Recoveries	12,476		1,358		10,877		24,711
Provision for (reversal of) loan losses	(5,862)		25,334		14,146		33,618
Ending balance at September 30, 2022	$	159,027	$	121,601	$	140,731	$	421,359

Amortized Cost Basis of Loans by Loan Portfolio Class

The following table presents the amortized cost of FDM loans by loan portfolio class that were modified during the three and nine months ended September 30, 2023.



	Three Months Ended September 30, 2023
(in thousands)	Interest Rate Reduction		Term Extension		Principal Forgiveness and Term Extensions		Payment Delay		Interest Rate Reduction and Term Extension		Total		Percentage of Total by Financing Class
Commercial, financial and agricultural	$	408	$	13,304	$	—	$	—	$	194	$	13,906	0.1	%
Owner-occupied	—		18,979		—		—		11,750		30,729		0.4
Total commercial and industrial	408		32,283		—		—		11,944		44,635		0.2
Investment properties	—		2,216		—		—		—		2,216		—
1-4 family properties	—		36		—		—		—		36		—
Land and development	—		1,146		—		—		—		1,146		0.3
Total commercial real estate	—		3,398		—		—		—		3,398		—
Consumer mortgages	1,309		—		—		465		—		1,774		—
Home equity	—		—		—		—		—		—		—
Credit cards	—		—		—		—		—		—		—
Other consumer loans	107		331		—		189		245		872		0.1
Total consumer	1,416		331		—		654		245		2,646		—
Total FDMs	$	1,824	$	36,012	$	—	$	654	$	12,189	$	50,679	0.1	%

	Nine Months Ended September 30, 2023
(in thousands)	Interest Rate Reduction		Term Extension		Principal Forgiveness and Term Extensions		Payment Delay		Interest Rate Reduction and Term Extension		Total		Percentage of Total by Financing Class
Commercial, financial and agricultural	$	2,467	$	26,212	$	12,586	$	—	$	1,537	$	42,802	0.3	%
Owner-occupied	—		20,782		—		—		53,004		73,786		0.9
Total commercial and industrial	2,467		46,994		12,586		—		54,541		116,588		0.5
Investment properties	—		2,848		—		—		—		2,848		—
1-4 family properties	—		2,429		—		—		375		2,804		0.5
Land and development	—		1,146		—		—		—		1,146		0.3
Total commercial real estate	—		6,423		—		—		375		6,798		0.1
Consumer mortgages	2,114		—		—		465		—		2,579		—
Home equity	—		425		—		—		289		714		—
Credit cards	—		—		—		—		—		—		—
Other consumer loans	111		697		—		189		721		1,718		0.2
Total consumer	2,225		1,122		—		654		1,010		5,011		0.1
Total FDMs	$	4,692	$	54,539	$	12,586	$	654	$	55,926	$	128,397	0.3	%

The following presents the financial effect of loan modifications made to borrowers experiencing financial difficulty during the three and nine months ended September 30, 2023.


	Three Months Ended September 30, 2023						Nine Months Ended September 30, 2023
(Dollars in thousands)	Principal Forgiveness and Term Extensions		Weighted Average Interest Rate Reduction		Weighted Average Term Extension (in months)	Weighted Average Payment Deferral (in months)	Principal Forgiveness and Term Extensions		Weighted Average Interest Rate Reduction		Weighted Average Term Extension (in months)	Weighted Average Payment Deferral (in months)
Commercial, financial and agricultural	$	—	2.2	%	12	—	$	1,200	2.2	%	27	—
Owner-occupied	—		4.4		6	—	—		2.3		8	—

Investment properties	—		—		6	—	—		—		12	—
1-4 family properties	—		—		12	—	—		0.4		12	—
Land and development	—		—		12	—	—		—		12	—

Consumer mortgages	—		2.5		—	6	—		1.6		—	6
Home equity	—		—		—	—	—		0.5		262	—

Other consumer loans	—		7.4		47	2	—		5.3		62	2

The following table provides a summary of current, accruing past due, and non-accrual loans on an amortized cost basis by loan portfolio class that have been modified since January 1, 2023.



	As of September 30, 2023
(in thousands)	Current		Accruing 30-89 Days Past Due		Accruing 90 Days or Greater Past Due		Non-accrual (1)		Total
Commercial, financial and agricultural	$	29,386	$	829	$	—	$	12,586	$	42,801
Owner-occupied	73,109		—		—		678		73,787
Total commercial and industrial	102,495		829		—		13,264		116,588
Investment properties	2,533		—		—		315		2,848
1-4 family properties	1,207		—		—		1,597		2,804
Land and development	1,146		—		—		—		1,146
Total commercial real estate	4,886		—		—		1,912		6,798
Consumer mortgages	1,184		—		—		1,394		2,578
Home equity	714		—		—		—		714
Credit cards	—		—		—		—		—
Other consumer loans	639		184		—		896		1,719
Total consumer	2,537		184		—		2,290		5,011
Total FDMs	$	109,918	$	1,013	$	—	$	17,466	$	128,397

(1) Loans were on non-accrual when modified and subsequently classified as FDMs.

The following tables present, by concession

type, the post-modification balance for loans modified or renewed during the three and nine months ended September 30, 2022 that were reported as accruing or non-accruing TDRs.


TDRs by Concession Type
	Three Months Ended September 30, 2022
(in thousands, except contract data)	Number of Contracts	Below Market Interest Rate		Other Concessions(1)		Total
Commercial, financial and agricultural	22	$	6,559	$	150	$	6,709
Owner-occupied	4	3,623		—		3,623
Total commercial and industrial	26	10,182		150		10,332
Investment properties	2	3,748		—		3,748
1-4 family properties	3	654		—		654
Land and development	—	—		—		—
Total commercial real estate	5	4,402		—		4,402
Consumer mortgages	—	—		—		—
Home equity	5	173		—		173
Other consumer loans	2	—		25		25
Total consumer	7	173		25		198
Total TDRs	38	$	14,757	$	175	$	14,932	(2)

	Nine Months Ended September 30, 2022
(in thousands, except contract data)	Number of Contracts	Below Market Interest Rate		Other Concessions(1)		Total
Commercial, financial and agricultural	78	$	32,993	$	957	$	33,950
Owner-occupied	24	32,157		3,857		36,014
Total commercial and industrial	102	65,150		4,814		69,964
Investment properties	7	5,027		6,610		11,637
1-4 family properties	14	3,851		—		3,851
Land and development	4	3,168		—		3,168
Total commercial real estate	25	12,046		6,610		18,656
Consumer mortgages	10	1,176		266		1,442
Home equity	30	3,592		39		3,631
Other consumer loans	8	—		164		164
Total consumer	48	4,768		469		5,237
Total TDRs	175	$	81,964	$	11,893	$	93,857	(2)

(1) Other concessions generally include term extensions, interest only payments for a period of time, or principal forgiveness, but there was no principal forgiveness for the three and nine months ended September 30, 2022.

(2) No net charge-offs were recorded during the three and nine months ended September 30, 2022.