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Loans And Allowance For Credit Losses (Tables)
 3 Months Ended
Mar. 31, 2024
Receivables [Abstract]  
Summary Classification Of Held For Investment Loan Portfolio
Major classifications within the Company’s held for investment loan portfolio at March 31, 2024 and December 31, 2023 are as follows:

(In thousands)
March 31, 2024December 31, 2023
Commercial:
Business$5,994,974 $6,019,036 
Real estate – construction and land1,497,647 1,446,764 
Real estate – business3,711,602 3,719,306 
Personal Banking:
Real estate – personal3,039,885 3,026,041 
Consumer2,119,308 2,077,723 
Revolving home equity322,523 319,894 
Consumer credit card564,388 589,913 
Overdrafts48,513 6,802 
Total loans$17,298,840 $17,205,479 
CECL Model Inputs
Key assumptions in the Company’s allowance for credit loss model include the economic forecast, the reasonable and supportable period, forecasted macro-economic variables, prepayment assumptions and qualitative factors applied for portfolio composition changes, underwriting practices, or significant unique events or conditions. The assumptions utilized in estimating the Company’s allowance for credit losses at March 31, 2024 and December 31, 2023 are discussed below.

Key AssumptionMarch 31, 2024December 31, 2023
Overall economic forecast
•Economic strength is visible in the strong labor market
•Fiscal policy is forecasted to be a modest drag on GDP
•There are expectations that the Federal Reserve will start cutting rates in 2nd quarter 2024

•The US economy is projected to slow at the start of 2024, but not enter a recession
•Impacts of tighter monetary and fiscal policy creates uncertainty
•Consumer spending is expected to decrease
Reasonable and supportable period and related reversion period
•Reasonable and supportable period of one year
•Reversion to historical average loss rates within two quarters using a straight-line method
•Reasonable and supportable period of one year
•Reversion to historical average loss rates within two quarters using a straight-line method
Forecasted macro-economic variables
•Unemployment rate ranges from 3.9% to 4.1% during the reasonable and supportable forecast period
•Real GDP growth ranges from 1.5% to 3.0%
•BBB corporate yield from 4.7% to 5.1%
•Housing Price Index from 312.1 to 316.6
•Unemployment rate ranges from 4.1% to 4.5% during the reasonable and supportable forecast period
•Real GDP growth ranges from .46% to 2.1%
•BBB corporate yield from 5.3% to 5.9%
•Housing Price Index from 305.4 to 307.4
Prepayment assumptions
Commercial loans
•pools ranging from 0% to 5%
Personal banking loans
•Ranging from 6.2% to 21.6% for most loan pools
•Consumer credit cards 66.6%
Commercial loans
•5% for most loan pools
Personal banking loans
•Ranging from 6.5% to 23.5% for most loan pools
•Consumer credit cards 66.9%
Qualitative factors
Added qualitative factors related to:
•Changes in the composition of the loan portfolios
•Certain stressed industries within the portfolio
•Certain portfolios sensitive to unusually high rate of inflation and supply chain issues
•Loans downgraded to special mention, substandard, or non-accrual status
•Certain portfolios where the model assumptions do not capture all identified loss risk
Added qualitative factors related to:
•Changes in the composition of the loan portfolios
•Certain stressed industries within the portfolio
•Certain portfolios sensitive to unusually high rate of inflation and supply chain issues
•Loans downgraded to special mention, substandard, or non-accrual status
Summary Of Activity In The Allowance For Credit Losses
A summary of the activity in the allowance for credit losses on loans and the liability for unfunded lending commitments for the three months ended March 31, 2024 and 2023, respectively, follows:

For the Three Months Ended March 31, 2024
(In thousands)CommercialPersonal Banking

Total
ALLOWANCE FOR CREDIT LOSSES ON LOANS
Balance at beginning of period$108,201 $54,194 $162,395 
Provision for credit losses on loans(2,855)9,802 6,947 
Deductions:
   Loans charged off316 10,849 11,165 
   Less recoveries on loans434 1,854 2,288 
Net loan charge-offs (recoveries)(118)8,995 8,877 
Balance March 31, 2024$105,464 $55,001 $160,465 
LIABILITY FOR UNFUNDED LENDING COMMITMENTS
Balance at beginning of period$23,909 $1,337 $25,246 
Provision for credit losses on unfunded lending commitments(2,273)113 (2,160)
Balance March 31, 2024$21,636 $1,450 $23,086 
ALLOWANCE FOR CREDIT LOSSES ON LOANS AND LIABILITY FOR UNFUNDED LENDING COMMITMENTS$127,100 $56,451 $183,551 

For the Three Months Ended March 31, 2023
(In thousands)CommercialPersonal Banking

Total
ALLOWANCE FOR CREDIT LOSSES ON LOANS
Balance at beginning of period$103,293 $46,843 $150,136 
Provision for credit losses on loans5,548 10,400 15,948 
Deductions:
   Loans charged off292 8,756 9,048 
   Less recoveries on loans66 2,215 2,281 
Net loan charge-offs (recoveries)226 6,541 6,767 
Balance March 31, 2023$108,615 $50,702 $159,317 
LIABILITY FOR UNFUNDED LENDING COMMITMENTS
Balance at beginning of period$31,743 $1,377 $33,120 
Provision for credit losses on unfunded lending commitments(4,638)146 (4,492)
Balance March 31, 2023$27,105 $1,523 $28,628 
ALLOWANCE FOR CREDIT LOSSES ON LOANS AND LIABILITY FOR UNFUNDED LENDING COMMITMENTS$135,720 $52,225 $187,945 
Aging Information On Past Due And Nonaccrual Loans The following table provides aging information on the Company’s past due and accruing loans, in addition to the balances of loans on non-accrual status, at March 31, 2024 and December 31, 2023.



(In thousands)
Current or Less Than 30 Days Past Due

30 – 89
Days Past Due
90 Days Past Due and Still AccruingNon-accrual



Total
March 31, 2024
Commercial:
Business$5,991,756 $1,644 $536 $1,038 $5,994,974 
Real estate – construction and land1,497,325 322 — — 1,497,647 
Real estate – business3,710,321 35 — 1,246 3,711,602 
Personal Banking:
Real estate – personal 3,015,760 13,911 8,691 1,523 3,039,885 
Consumer2,094,997 21,409 2,902 — 2,119,308 
Revolving home equity318,682 1,432 432 1,977 322,523 
Consumer credit card549,407 7,261 7,720 — 564,388 
Overdrafts48,282 231 — — 48,513 
Total $17,226,530 $46,245 $20,281 $5,784 $17,298,840 
December 31, 2023
Commercial:
Business$5,985,713 $29,087 $614 $3,622 $6,019,036 
Real estate – construction and land1,446,764 — — — 1,446,764 
Real estate – business3,714,579 4,582 85 60 3,719,306 
Personal Banking:
Real estate – personal 2,999,988 14,841 9,559 1,653 3,026,041 
Consumer2,036,353 38,217 3,153 — 2,077,723 
Revolving home equity315,483 1,564 870 1,977 319,894 
Consumer credit card574,805 7,525 7,583 — 589,913 
Overdrafts6,553 249 — — 6,802 
Total $17,080,238 $96,065 $21,864 $7,312 $17,205,479 
Risk Category of Loans in Commercial Portfolio
The risk category of loans in the Commercial portfolio as of March 31, 2024 and December 31, 2023 are as follows:

Term Loans Amortized Cost Basis by Origination Year
(In thousands)20242023202220212020PriorRevolving Loans Amortized Cost BasisTotal
March 31, 2024
Business
    Risk Rating:
       Pass$344,128 $1,385,556 $790,788 $506,163 $219,920 $443,229 $2,088,966 $5,778,750 
       Special mention4,215 8,618 3,448 33,270 531 2,494 34,499 87,075 
       Substandard35 16,793 15,722 8,131 20,194 10,792 56,444 128,111 
       Non-accrual— 48 108 27 — 855 — 1,038 
   Total Business:$348,378 $1,411,015 $810,066 $547,591 $240,645 $457,370 $2,179,909 $5,994,974 
Gross write-offs for the three months ended March 31, 2024
$— $— $— $— $— $— $316 $316 
Real estate-construction
    Risk Rating:
       Pass$148,846 $421,041 $578,146 $248,045 $44,049 $3,224 $36,498 $1,479,849 
       Special mention582 — — — — — — 582 
       Substandard— — 17,216 — — — — 17,216 
    Total Real estate-construction:$149,428 $421,041 $595,362 $248,045 $44,049 $3,224 $36,498 $1,497,647 
Gross write-offs for the three months ended March 31, 2024
$— $— $— $— $— $— $— $— 
Real estate-business
    Risk Rating:
       Pass$125,646 $731,463 $1,007,351 $495,444 $436,286 $582,000 $120,880 $3,499,070 
       Special mention1,000 35,879 27,599 14,696 1,094 10,356 — 90,624 
       Substandard— 4,744 15,342 15,088 16,161 69,327 — 120,662 
       Non-accrual— — 1,204 — — 42 — 1,246 
   Total Real estate-business:$126,646 $772,086 $1,051,496 $525,228 $453,541 $661,725 $120,880 $3,711,602 
Gross write-offs for the three months ended March 31, 2024
$— $— $— $— $— $— $— $— 
Commercial loans
    Risk Rating:
       Pass$618,620 $2,538,060 $2,376,285 $1,249,652 $700,255 $1,028,453 $2,246,344 $10,757,669 
       Special mention5,797 44,497 31,047 47,966 1,625 12,850 34,499 178,281 
       Substandard35 21,537 48,280 23,219 36,355 80,119 56,444 265,989 
       Non-accrual— 48 1,312 27 — 897 — 2,284 
   Total Commercial loans:$624,452 $2,604,142 $2,456,924 $1,320,864 $738,235 $1,122,319 $2,337,287 $11,204,223 
Gross write-offs for the three months ended March 31, 2024
$— $— $— $— $— $— $316 $316 
Term Loans Amortized Cost Basis by Origination Year
(In thousands)20232022202120202019PriorRevolving Loans Amortized Cost BasisTotal
December 31, 2023
Business
    Risk Rating:
       Pass$1,609,685 $839,511 $555,991 $273,138 $215,988 $257,177 $2,096,108 $5,847,598 
       Special mention19,639 3,412 19,489 643 412 2,485 43,054 89,134 
       Substandard5,256 8,666 6,891 20,854 1,422 10,235 25,358 78,682 
       Non-accrual— 130 1,184 — — 2,308 — 3,622 
   Total Business:$1,634,580 $851,719 $583,555 $294,635 $217,822 $272,205 $2,164,520 $6,019,036 
Gross write-offs for the year ended December 31, 2023$— $2,260 $57 $41 $— $— $1,393 $3,751 
Real estate-construction
    Risk Rating:
       Pass$476,489 $579,933 $295,841 $41,418 $498 $2,834 $31,670 $1,428,683 
       Special mention3,068 15,013 — — — — — 18,081 
    Total Real estate-construction:$479,557 $594,946 $295,841 $41,418 $498 $2,834 $31,670 $1,446,764 
Gross write-offs for the year ended December 31, 2023$— $— $— $— $— $— $— $— 
Real estate- business
    Risk Rating:
       Pass$807,631 $1,063,189 $510,397 $433,030 $311,457 $325,738 $94,432 $3,545,874 
       Special mention16,650 8,619 451 884 9,253 733 — 36,590 
       Substandard2,952 18,463 27,914 17,430 11,636 58,387 — 136,782 
       Non-accrual— — — — — 60 — 60 
   Total Real-estate business:$827,233 $1,090,271 $538,762 $451,344 $332,346 $384,918 $94,432 $3,719,306 
Gross write-offs for the year ended December 31, 2023$— $— $— $— $— $134 $— $134 
Commercial loans
    Risk Rating:
       Pass$2,893,805 $2,482,633 $1,362,229 $747,586 $527,943 $585,749 $2,222,210 $10,822,155 
       Special mention39,357 27,044 19,940 1,527 9,665 3,218 43,054 143,805 
       Substandard8,208 27,129 34,805 38,284 13,058 68,622 25,358 215,464 
       Non-accrual— 130 1,184 — — 2,368 — 3,682 
   Total Commercial loans:$2,941,370 $2,536,936 $1,418,158 $787,397 $550,666 $659,957 $2,290,622 $11,185,106 
Gross write-offs for the year ended December 31, 2023$— $2,260 $57 $41 $— $134 $1,393 $3,885 
Risk Category of Loans in Personal Banking Portfolio
The credit quality of Personal Banking loans is monitored primarily on the basis of aging/delinquency, and this information is provided as of March 31, 2024 and December 31, 2023 below.

Term Loans Amortized Cost Basis by Origination Year
(In thousands)20242023202220212020PriorRevolving Loans Amortized Cost BasisTotal
March 31, 2024
Real estate-personal
       Current to 90 days past due$91,591 $438,966 $443,124 $526,377 $695,433 $825,842 $8,338 $3,029,671 
       Over 90 days past due2,129 353 1,263 1,394 1,387 2,165 — 8,691 
       Non-accrual— — 227 167 — 1,129 — 1,523 
   Total Real estate-personal:$93,720 $439,319 $444,614 $527,938 $696,820 $829,136 $8,338 $3,039,885 
Gross write-offs for the three months ended March 31, 2024
$— $— $33 $— $— $3 $— $36 
Consumer
       Current to 90 days past due$134,876 $478,401 $310,901 $231,786 $110,884 $91,872 $757,686 $2,116,406 
       Over 90 days past due— 255 410 196 79 647 1,315 2,902 
    Total Consumer:$134,876 $478,656 $311,311 $231,982 $110,963 $92,519 $759,001 $2,119,308 
Gross write-offs for the three months ended March 31, 2024
$— $563 $521 $438 $135 $126 $695 $2,478 
Revolving home equity
       Current to 90 days past due$— $— $— $— $— $— $320,114 $320,114 
       Over 90 days past due— — — — — — 432 432 
       Non-accrual— — — — — — 1,977 $1,977 
   Total Revolving home equity:$— $— $— $— $— $— $322,523 $322,523 
Gross write-offs for the three months ended March 31, 2024
$— $— $— $— $— $— $— $— 
Consumer credit card
       Current to 90 days past due$— $— $— $— $— $— $556,668 $556,668 
       Over 90 days past due— — — — — — 7,720 7,720 
   Total Consumer credit card:$— $— $— $— $— $— $564,388 $564,388 
Gross write-offs for the three months ended March 31, 2024
$— $— $— $— $— $— $7,596 $7,596 
Overdrafts
       Current to 90 days past due$48,513 $— $— $— $— $— $— $48,513 
    Total Overdrafts:$48,513 $— $— $— $— $— $— $48,513 
Gross write-offs for the three months ended March 31, 2024
$739 $— $— $— $— $— $— $739 
Personal banking loans
       Current to 90 days past due$274,980 $917,367 $754,025 $758,163 $806,317 $917,714 $1,642,806 $6,071,372 
       Over 90 days past due2,129 608 1,673 1,590 1,466 2,812 9,467 19,745 
       Non-accrual— — 227 167 — 1,129 1,977 3,500 
   Total Personal banking loans:$277,109 $917,975 $755,925 $759,920 $807,783 $921,655 $1,654,250 $6,094,617 
Gross write-offs for the three months ended March 31, 2024
$739 $563 $554 $438 $135 $129 $8,291 $10,849 
Term Loans Amortized Cost Basis by Origination Year
(In thousands)20232022202120202019PriorRevolving Loans Amortized Cost BasisTotal
December 31, 2023
Real estate-personal
       Current to 90 days past due$455,703 $452,153 $533,313 $711,442 $257,159 $596,439 $8,620 $3,014,829 
       Over 90 days past due3,319 1,650 2,222 834 44 1,490 — 9,559 
       Non-accrual— 261 167 — 157 1,068 — 1,653 
   Total Real estate-personal:$459,022 $454,064 $535,702 $712,276 $257,360 $598,997 $8,620 $3,026,041 
Gross write-offs for the year ended December 31, 2023$— $18 $— $— $— $23 $— $41 
Consumer
       Current to 90 days past due$518,619 $340,104 $258,348 $127,208 $56,394 $51,302 $722,595 $2,074,570 
       Over 90 days past due391 210 194 24 54 421 1,859 3,153 
    Total Consumer:$519,010 $340,314 $258,542 $127,232 $56,448 $51,723 $724,454 $2,077,723 
Gross write-offs for the year ended December 31, 2023$926 $2,891 $1,939 $770 $376 $370 $1,051 $8,323 
Revolving home equity
       Current to 90 days past due$— $— $— $— $— $— $317,047 $317,047 
       Over 90 days past due— — — — — — 870 870 
       Non-accrual— — — — — — 1,977 $1,977 
   Total Revolving home equity:$— $— $— $— $— $— $319,894 $319,894 
Gross write-offs for the year ended December 31, 2023$— $— $— $— $— $— $11 $11 
Consumer credit card
       Current to 90 days past due$— $— $— $— $— $— $582,330 $582,330 
       Over 90 days past due— — — — — — 7,583 7,583 
   Total Consumer credit card:$— $— $— $— $— $— $589,913 $589,913 
Gross write-offs for the year ended December 31, 2023$— $— $— $— $— $— $24,105 $24,105 
Overdrafts
       Current to 90 days past due$6,802 $— $— $— $— $— $— $6,802 
    Total Overdrafts:$6,802 $— $— $— $— $— $— $6,802 
Gross write-offs for the year ended December 31, 2023$3,803 $— $— $— $— $— $— $3,803 
Personal banking loans
       Current to 90 days past due$981,124 $792,257 $791,661 $838,650 $313,553 $647,741 $1,630,592 $5,995,578 
       Over 90 days past due3,710 1,860 2,416 858 98 1,911 10,312 21,165 
       Non-accrual— 261 167 — 157 1,068 1,977 3,630 
   Total Personal banking loans:$984,834 $794,378 $794,244 $839,508 $313,808 $650,720 $1,642,881 $6,020,373 
Gross write-offs for the year ended December 31, 2023$4,729 $2,909 $1,939 $770 $376 $393 $25,167 $36,283 
Amortized Cost Basis of Collateral-Dependent Loans The following table presents the amortized cost basis of collateral-dependent loans as of March 31, 2024 and December 31, 2023.
(In thousands)Business AssetsReal EstateOil & Gas AssetsTotal
March 31, 2024
Commercial:
  Real estate - business$— $1,203 $— $1,203 
Personal Banking:
  Revolving home equity— 1,977 — 1,977 
Total$— $3,180 $— $3,180 
December 31, 2023
Commercial:
Business$1,183 $— $1,238 $2,421 
Personal Banking:
Revolving home equity— 1,977 — 1,977 
Total$1,183 $1,977 $1,238 $4,398 
Summary Of Loans In The Personal Banking Portfolio Percentage Of Balances by FICO Score For the remainder of loans in the Personal Banking portfolio, the table below shows the percentage of balances outstanding at March 31, 2024 and December 31, 2023 by FICO score.
   Personal Banking Loans
% of Loan Category
Real Estate - PersonalConsumerRevolving Home EquityConsumer Credit Card
March 31, 2024
FICO score:
Under 6002.0 %2.8 %2.0 %5.0 %
600 - 6592.5 4.1 3.3 12.2 
660 - 7198.5 13.0 11.7 30.4 
720 - 77921.6 24.2 22.2 27.0 
780 and over65.4 55.9 60.8 25.4 
Total100.0 %100.0 %100.0 %100.0 %
December 31, 2023
FICO score:
Under 6002.0 %2.5 %1.9 %4.7 %
600 - 6592.3 4.3 3.3 12.1 
660 - 7198.5 12.9 10.9 29.2 
720 - 77921.9 28.2 22.4 27.0 
780 and over65.3 52.1 61.5 27.0 
Total100.0 %100.0 %100.0 %100.0 %
Outstanding Balance Of Modified Loans to Borrowers Experiencing Financial Difficulty
The following tables present the amortized cost at March 31, 2024 of loans that were modified during the three months ended March 31, 2024 and the amortized cost of at March 31, 2023 of loans that were modified during the three months ended March 31, 2023.

For the Three Months Ended March 31, 2024



(Dollars in thousands)
Term ExtensionPayment DelayInterest Rate ReductionInterest/Fees Forgiven
Other
Total% of Total Loan Category
March 31, 2024
Commercial:
Business$11,648 $— $— $— $— $11,648 0.2 %
Real estate – business17,004 — — — — 17,004 0.5 
Personal Banking:
Real estate – personal 526 2,706 — — — 3,232 0.1 
Consumer— — 31 — — 31 — 
Consumer credit card— — 945 — — 945 0.2 
Total $29,178 $2,706 $976 $— $— $32,860 0.2 %


For the Three Months Ended March 31, 2023



(Dollars in thousands)
Term ExtensionPayment DelayInterest Rate ReductionInterest/Fees Forgiven
Other
Total% of Total Loan Category
March 31, 2023
Commercial:
Business$3,104 $— $— $— $— $3,104 0.1 %
Real estate – business23,039 — — — — 23,039 0.7 
Personal Banking:
Real estate – personal— 1,666 — — — 1,666 0.1 
Consumer— 58 16 — 55 129 — 
Consumer credit card— — 618 275 — 893 0.2 
Total$26,143 $1,724 $634 $275 $55 $28,831 0.2 %
Financing receivable, financial impacts of loan modifications and payment deferrals
The following tables summarize the financial impact of loan modifications and payment deferrals during the three months ended March 31, 2024 and March 31, 2023.

Term Extension
Three Months Ended March 31, 2024Three Months Ended March 31, 2023
Commercial:
Business
Extended maturity by a weighted average of 6 months.
Extended maturity by a weighted average of 12 months.
Real estate – business
Extended maturity by a weighted average of 8 months.
Extended maturity by a weighted average of 17 months.
Personal Banking:
Real estate – personal
Extended maturity by a weighted average of 6 months.


Payment Delay
Three Months Ended March 31, 2024Three Months Ended March 31, 2023
Personal Banking:
Real estate – personal
Deferred certain payments by a weighted average of 8 years.
Deferred past due monthly payments to maturity as a balloon payment. Deferral delayed payments a weighted average of 27 years.
Consumer
Deferred past due monthly payments to maturity as a balloon payment. Deferral delayed payments a weighted average of 11 years

Interest Rate Reduction
Three Months Ended March 31, 2024Three Months Ended March 31, 2023
Personal Banking:
ConsumerReduced weighted-average contractual interest rate from average 23% to 6%.Reduced weighted-average contractual interest rate from 20% to 6%.
Consumer credit cardReduced weighted-average contractual interest rate from average 23% to 6%.Reduced weighted-average contractual interest rate from 20% to 6%.


Forgiveness of Interest/Fees
Three Months Ended March 31, 2024Three Months Ended March 31, 2023
Personal Banking:
Consumer credit cardApproximately $14 thousand of interest and fees forgiven.
Financing Receivable, Modified, Subsequent Default
The following tables provide the amortized cost basis at March 31, 2024 of loans to borrowers experiencing financial difficulty that had a payment default during the three months ended March 31, 2024 and were modified within the 12 months preceding the payment default, as well as the amortized cost basis at March 31, 2023 of loans to borrowers experiencing financial difficulty that had a payment default during the three months ended March 31, 2023 and had been modified on or after January 1, 2023 (the date we adopted ASU 2022-02). For purposes of this disclosure, the Company considers "default" to mean 90 days or more past due as to interest or principal.
For the Three Months Ended March 31, 2024


(Dollars in thousands)		Payment DelayInterest Rate ReductionInterest/Fees ForgivenTotal
March 31, 2024
Personal Banking:
Real estate – personal $1,138 $— $— $1,138 
Consumer— 14 — 14 
Consumer credit card— 260 61 321 
Total $1,138 $274 $61 $1,473 
For the Three Months Ended March 31, 2023


(Dollars in thousands)
Payment DelayInterest Rate ReductionInterest/Fees ForgivenTotal
March 31, 2023
Personal Banking:
Consumer$— $8 $— $8 
Consumer credit card— 63 12 75 
Total $— $71 $12 $83 
Financing Receivable, Modified, Past Due
The following tables present the amortized cost basis at March 31, 2024 of loans to borrowers experiencing financial difficulty that had been modified within the previous 12 months as well as the amortized cost basis at March 31, 2023 of loans to borrowers experiencing financial difficulty that had been modified on or after January 1, 2023 (the date we adopted ASU 2022-02) through March 31, 2023.



(In thousands)
Current
30-89 Days Past Due
90 Days Past DueTotal
March 31, 2024
Commercial:
Business$25,544 $— $— $25,544 
Real estate – business93,924 — — 93,924 
Personal Banking:
Real estate – personal 3,556 1,136 1,761 6,453 
Consumer150 17 14 181 
Consumer credit card2,107 513 296 2,916 
Total $125,281 $1,666 $2,071 $129,018 



(In thousands)
Current
30-89 Days Past Due
90 Days Past DueTotal
March 31, 2023
Commercial:
Business$3,104 $— $— $3,104 
Real estate – business23,039 — — 23,039 
Personal Banking:
Real estate – personal 1,061 605 — 1,666 
Consumer75 46 8 129 
Consumer credit card645 173 75 893 
Total $27,924 $824 $83 $28,831