Loans and Allowance for Credit Losses (Tables)

6 Months Ended

Jun. 30, 2023

Receivables [Abstract]

Schedule of Composition of Loans

The following table summarizes the composition of originated and acquired loans as of the dates presented:

(dollars in thousands)	June 30, 2023		December 31, 2022
Commercial real estate	$	2,582,262	$	2,538,839
Commercial and industrial	1,425,483		1,510,392
Commercial construction	349,843		381,963
Business banking	1,290,871		1,205,944
Consumer real estate	1,555,521		1,421,953
Other consumer	115,631		124,878
Total Portfolio Loans	$	7,319,611	$	7,183,969
Loans held for sale	541		16
Total Loans (1)	$	7,320,152	$	7,183,985

(1) Excludes interest receivable of $30.6 million at June 30, 2023 and $28.3 million at December 31, 2022. Interest receivable is included in other assets in the Consolidated Balance Sheets.

Summary of Restructured Loans for Periods Presented

The following table presents the amortized cost of loans to borrowers experiencing financial difficulty by portfolio segment and type of modification during the periods presented:

	Three Months Ended June 30, 2023
(dollars in thousands)	Term Extension		Term Extension and Interest Rate Reduction		Total		% of Portfolio Segment
Commercial real estate	$	1,286	$	—	$	1,286	0.05	%
Commercial industrial	5,193		—		5,193		0.36	%
Commercial construction	1,621		—		1,621		0.46	%
Business banking	1,033		—		1,033		0.08	%
Consumer real estate	—		—		—		—	%
Total(1)	$	9,133	$	—	$	9,133	0.12	%
(1) Excludes loans that were fully paid off or fully charged-off by period end.

	Six Months Ended June 30, 2023
(dollars in thousands)	Term Extension		Term Extension and Interest Rate Reduction		Total		% of Portfolio Segment
Commercial real estate	$	14,932	$	—	$	14,932	0.58	%
Commercial industrial	5,762		—		5,762		0.40	%
Commercial construction	1,621		—		1,621		0.46	%
Business banking	1,033		—		1,033		0.08	%
Consumer real estate	62		194		256		0.02	%
Total(1)	$	23,410	$	194	$	23,604	0.32	%
(1) Excludes loans that were fully paid off or fully charged-off by period end.

    The following table describes the effect of loan modifications made to borrowers experiencing financial difficulty during the periods presented:

	Three Months Ended June 30, 2023
	Weighted-Average Term Extension (in Months)	Weighted-Average Interest Rate Reduction
Commercial real estate	9	—
Commercial industrial	3	—
Commercial construction	5	—
Business banking	5	—
Consumer real estate	0	—

	Six Months Ended June 30, 2023
	Weighted-Average Term Extension (in Months)	Weighted-Average Interest Rate Reduction
Commercial real estate	7	—
Commercial industrial	9	—
Commercial construction	5	—
Business banking	5	—
Consumer real estate	168	2%

The following table summarizes TDRs as of the date presented:

	December 31, 2022
(dollars in thousands)	Accruing TDRs		Nonaccruing TDRs		Total TDRs
Commercial real estate	$	—	$	—	$	—
Commercial and industrial	626		—		626
Commercial construction	1,655		—		1,655
Business banking	438		1,087		1,525
Consumer real estate	6,168		1,798		7,966
Other consumer	4		9		13
Total	$	8,891	$	2,894	$	11,785

The following tables present the TDRs by portfolio segment and type of concession for the periods presented:

	Three Months Ended June 30, 2022
	Number of Contracts	Type of Modification										Total Post-Modification Outstanding Recorded Investment(2)		Total Pre-Modification Outstanding Recorded Investment(2)
(dollars in thousands)		Bankruptcy(1)		Other		Extend Maturity		Modify Rate		Modify Payments
Commercial real estate	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—
Commercial industrial	—	—		—		—		—		—		—		—
Commercial construction	—	—		—		—		—		—		—		—
Business banking	—	—		—		—		—		—		—		—
Consumer real estate	8	286		—		139		—		—		425		429
Other consumer	1	2		—		—		—		—		2		3
Total	9	$	288	$	—	$	139	$	—	$	—	$	427	$	432
(1) Bankruptcy is consumer bankruptcy loans where the debt has been legally discharged through the bankruptcy court and not reaffirmed. (2) Excludes loans that were fully paid off or fully charged-off by period end. The pre-modification balance represents the balance outstanding prior to modification. The post-modification balance represents the outstanding balance at period end.

	Six Months Ended June 30, 2022
	Number of Contracts	Type of Modification										Total Post-Modification Outstanding Recorded Investment(2)		Total Pre-Modification Outstanding Recorded Investment(2)
(dollars in thousands)		Bankruptcy(1)		Other		Extend Maturity		Modify Rate		Modify Payments
Commercial real estate	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—
Commercial industrial	—	—		—		—		—		—		—		—
Commercial construction	—	—		—		—		—		—		—		—
Business banking	—	—		—		—		—		—		—		—
Consumer real estate	15	1,043		—		884		—		—		1,927		2,357
Other consumer	1	3		—		—		—		—		3		3
Total	16	$	1,046	$	—	$	884	$	—	$	—	$	1,930	$	2,360
(1) Bankruptcy is consumer bankruptcy loans where the debt has been legally discharged through the bankruptcy court and not reaffirmed. (2) Excludes loans that were fully paid off or fully charged-off by period end. The pre-modification balance represents the balance outstanding prior to modification. The post-modification balance represents the outstanding balance at period end.

Summary of Aging Analysis of Modifications

The following table presents the aging analysis of modifications to borrowers experiencing financial difficulty in the last 12 months as of the date presented:

	June 30, 2023
(dollars in thousands)	Current		30-59 Days Past Due		60-89 Days Past Due		90+ Days Past Due		Nonaccrual		Total
Commercial real estate	$	14,932	$	—	$	—	$	—	$	—	$	14,932
Commercial and industrial	5,762		—		—		—		—		5,762
Commercial construction	1,621		—		—		—		—		1,621
Business banking	1,033		—		—		—		—		1,033
Consumer real estate	194		—		—		—		62		256
Total	$	23,542	$	—	$	—	$	—	$	62	$	23,604

Summary of Nonperforming Assets

The following table is a summary of nonperforming assets as of the dates presented:

	Nonperforming Assets
(dollars in thousands)	June 30, 2023			December 31, 2022
Nonperforming Assets
Nonaccrual Loans		$	14,319		$	19,052
OREO		3,666			3,065
Total Nonperforming Assets		$	17,985		$	22,117

The following tables present loans on nonaccrual status by class of loan for the year-to-date periods presented:

	June 30, 2023
(dollars in thousands)	Beginning of Period Nonaccrual		End of Period Nonaccrual		Nonaccrual With No Related Allowance		Interest Income Recognized on Nonaccrual(1)
Commercial real estate	$	7,100	$	1,328	$	—	$	36
Commercial and industrial	283		2,652		1,500		—
Commercial construction	384		384		—		—
Business banking	4,490		3,529		—		37
Consumer real estate	6,526		6,059		—		65
Other consumer	269		367		—		—
Total	$	19,052	$	14,319	$	1,500	$	138

(1) Represents only cash payments received and applied to interest on nonaccrual loans.

	December 31, 2022
(dollars in thousands)	Beginning of Period Nonaccrual		End of Period Nonaccrual		Nonaccrual With No Related Allowance		Interest Income Recognized on Nonaccrual(1)
Commercial real estate	$	31,488	$	7,100	$	5,649	$	580
Commercial and industrial	15,239		283		—		148
Commercial construction	2,471		384		—		171
Business banking	9,641		4,490		933		228
Consumer real estate	7,294		6,526		—		257
Other consumer	158		269		—		1
Total	$	66,291	$	19,052	$	6,582	$	1,385

(1) Represents only cash payments received and applied to interest on nonaccrual loans.

Schedule of Loans Credit Quality Indicators

The following tables present loan balances by year of origination and internally assigned risk rating for our portfolio segments as of the dates presented:

	June 30, 2023
	Risk Rating
(dollars in thousands)	2023		2022		2021		2020		2019		2018 and Prior		Revolving		Revolving-Term		Total
Commercial Real Estate
Pass	$	165,422	$	260,914	$	401,730	$	254,623	$	389,410	$	842,076	$	27,406	$	—	$	2,341,581
Special mention	—		—		5,769		490		32,907		100,813		—		—		139,979
Substandard	—		—		—		1,280		13,792		85,630		—		—		100,702
Doubtful	—		—		—		—		—		—		—		—		—
Total Commercial Real Estate	165,422		260,914		407,499		256,393		436,109		1,028,519		27,406		—		2,582,262
Year-to-date Gross Charge-offs	—		—		—		—		—		—		—		—		—
Commercial and Industrial
Pass	105,455		243,592		213,147		68,605		57,598		172,237		481,599		—		1,342,233
Special mention	—		683		23,698		—		—		9,640		10,366		—		44,387
Substandard	—		333		759		—		6,317		2,342		29,112		—		38,863
Doubtful	—		—		—		—		—		—		—		—		—
Total Commercial and Industrial	105,455		244,608		237,604		68,605		63,915		184,219		521,077		—		1,425,483
Year-to-date Gross Charge-offs	—		—		—		—		3,412		11,808		—		—		15,220
Commercial Construction
Pass	31,718		161,284		111,178		12,574		2,862		4,538		15,653		—		339,807
Special mention	—		—		—		—		4,632		—		—		—		4,632
Substandard	—		—		—		—		3,559		1,845		—		—		5,404
Doubtful	—		—		—		—		—		—		—		—		—
Total Commercial Construction	31,718		161,284		111,178		12,574		11,053		6,383		15,653		—		349,843
Year-to-date Gross Charge-offs	—		—		—		—		—		—		—		—		—
Business Banking
Pass	148,334		274,358		219,203		91,734		99,085		331,891		101,290		619		1,266,514
Special mention	—		—		274		229		140		3,762		55		186		4,646
Substandard	—		18		2,540		462		3,168		12,808		124		591		19,711
Doubtful	—		—		—		—		—		—		—		—		—
Total Business Banking	148,334		274,376		222,017		92,425		102,393		348,461		101,469		1,396		1,290,871
Year-to-date Gross Charge-offs	—		67		43		—		70		457		25		—		662
Consumer Real Estate
Pass	124,142		320,092		150,267		102,471		69,254		205,912		550,426		21,795		1,544,359
Special mention	—		—		—		—		—		119		—		—		119
Substandard	—		211		202		150		498		6,936		591		2,455		11,043
Doubtful	—		—		—		—		—		—		—		—		—
Total Consumer Real Estate	124,142		320,303		150,469		102,621		69,752		212,967		551,017		24,250		1,555,521
Year-to-date Gross Charge-offs	—		—		—		3		1		29		27		57		117
Other Consumer
Pass	7,328		15,052		8,491		4,117		1,994		901		75,666		1,855		115,404
Special mention	—		—		—		—				—		—		—		—
Substandard	—		—		28		—		23		151		—		25		227
Doubtful	—		—		—		—		—		—		—		—		—
Total Other Consumer	7,328		15,052		8,519		4,117		2,017		1,052		75,666		1,880		115,631
Year-to-date Gross Charge-offs	378		39		119		1		28		4		—		113		682
Pass	582,399		1,275,292		1,104,016		534,124		620,203		1,557,555		1,252,040		24,269		6,949,898
Special mention	—		683		29,741		719		37,679		114,334		10,421		186		193,763
Substandard	—		562		3,529		1,892		27,357		109,712		29,827		3,071		175,950
Doubtful	—		—		—		—		—		—		—		—		—
Total Loan Balance	$	582,399	$	1,276,537	$	1,137,286	$	536,735	$	685,239	$	1,781,601	$	1,292,288	$	27,526	$	7,319,611
Current Year-to-date Gross Charge-offs	$	378	$	106	$	162	$	4	$	3,511	$	12,298	$	52	$	170	$	16,681

	December 31, 2022
	Risk Rating
(dollars in thousands)	2022		2021		2020		2019		2018		2017 and Prior		Revolving		Revolving-Term		Total
Commercial Real Estate
Pass	$	292,732	$	360,423	$	267,743	$	422,872	$	227,006	$	704,600	$	21,666	$	—	$	2,297,042
Special mention	—		—		—		13,187		20,090		101,112		—		—		134,389
Substandard	—		—		1,306		13,434		14,845		77,823		—		—		107,408
Doubtful	—		—		—		—		—		—		—		—		—
Total Commercial Real Estate	292,732		360,423		269,049		449,493		261,941		883,535		21,666		—		2,538,839
Commercial and Industrial
Pass	253,324		264,012		88,544		63,190		62,874		138,250		559,777		—		1,429,971
Special mention	—		25,436		—		5,103		1,885		7,132		19,280		—		58,836
Substandard	372		—		—		5,705		1,152		1,891		12,465		—		21,585
Doubtful	—		—		—		—		—		—		—		—		—
Total Commercial and Industrial	253,696		289,448		88,544		73,998		65,911		147,273		591,522		—		1,510,392
Commercial Construction
Pass	120,655		159,737		40,762		6,338		3,953		2,297		27,284		—		361,026
Special mention	—		10,954		—		8,104		—		—		—		—		19,058
Substandard	—		—		—		—		—		1,879		—		—		1,879
Doubtful	—		—		—		—		—		—		—		—		—
Total Commercial Construction	120,655		170,691		40,762		14,442		3,953		4,176		27,284		—		381,963
Business Banking
Pass	287,520		233,499		87,926		107,819		80,549		276,843		104,354		645		1,179,155
Special mention	—		157		146		—		2,790		3,945		793		95		7,926
Substandard	159		67		3,077		1,912		1,550		11,391		124		551		18,831
Doubtful	—		—		—		—		—		32		—		—		32
Total Business Banking	287,679		233,723		91,149		109,731		84,889		292,211		105,271		1,291		1,205,944
Consumer Real Estate
Pass	296,900		148,790		91,477		74,155		30,658		191,228		552,994		21,547		1,407,749
Special mention	—		—		—		—		—		882		—		—		882
Substandard	48		213		136		428		1,373		8,059		655		2,410		13,322
Doubtful	—		—		—		—		—		—		—		—		—
Total Consumer Real Estate	296,948		149,003		91,613		74,583		32,031		200,169		553,649		23,957		1,421,953
Other Consumer
Pass	20,046		10,819		5,427		3,242		1,013		724		82,125		1,404		124,800
Special mention	—		—		—		—		—		—		—		—		—
Substandard	8		—		—		28		21		—		—		21		78
Doubtful	—		—		—		—		—		—		—		—		—
Total Other Consumer	20,054		10,819		5,427		3,270		1,034		724		82,125		1,425		124,878
Pass	1,271,177		1,177,280		581,879		677,616		406,053		1,313,942		1,348,200		23,596		6,799,743
Special Mention	—		36,547		146		26,394		24,765		113,071		20,073		95		221,091
Substandard	587		280		4,519		21,507		18,941		101,043		13,244		2,982		163,103
Doubtful	—		—		—		—		—		32		—		—		32
Total Loan Balance	$	1,271,764	$	1,214,107	$	586,544	$	725,517	$	449,759	$	1,528,088	$	1,381,517	$	26,673	$	7,183,969

The following tables present loan balances by year of origination and accrual and nonaccrual status for our portfolio segments as of the dates presented:

	June 30, 2023
(dollars in thousands)	2023		2022		2021		2020		2019		2018 and Prior		Revolving		Revolving-Term		Total
Commercial Real Estate
Accrual	$	165,422	$	260,914	$	407,499	$	256,393	$	436,109	$	1,027,191	$	27,406	$	—	$	2,580,934
Nonaccrual	—		—		—		—		—		1,328		—		—		1,328
Total Commercial Real Estate	165,422		260,914		407,499		256,393		436,109		1,028,519		27,406		—		2,582,262
Commercial and Industrial
Accrual	105,455		244,608		237,604		68,605		63,915		183,887		518,757		—		1,422,831
Nonaccrual	—		—		—		—		—		332		2,320		—		2,652
Total Commercial and Industrial	105,455		244,608		237,604		68,605		63,915		184,219		521,077		—		1,425,483
Commercial Construction
Accrual	31,718		161,284		111,178		12,574		11,053		5,999		15,653		—		349,459
Nonaccrual	—		—		—		—		—		384		—		—		384
Total Commercial Construction	31,718		161,284		111,178		12,574		11,053		6,383		15,653		—		349,843
Business Banking
Accrual	148,334		274,376		222,017		92,323		102,218		345,330		101,469		1,275		1,287,342
Nonaccrual	—		—		—		102		175		3,131		—		121		3,529
Total Business Banking	148,334		274,376		222,017		92,425		102,393		348,461		101,469		1,396		1,290,871
Consumer Real Estate
Accrual	124,142		320,139		150,305		102,567		69,116		209,841		550,642		22,710		1,549,462
Nonaccrual	—		164		164		54		636		3,126		375		1,540		6,059
Total Consumer Real Estate	124,142		320,303		150,469		102,621		69,752		212,967		551,017		24,250		1,555,521
Other Consumer
Accrual	7,328		15,022		8,512		3,924		2,017		921		75,666		1,874		115,264
Nonaccrual	—		30		7		193		—		131		—		6		367
Total Other Consumer	7,328		15,052		8,519		4,117		2,017		1,052		75,666		1,880		115,631
Accrual	582,399		1,276,343		1,137,115		536,386		684,428		1,773,169		1,289,593		25,859		7,305,292
Nonaccrual	—		194		171		349		811		8,432		2,695		1,667		14,319
Total Loan Balance	$	582,399	$	1,276,537	$	1,137,286	$	536,735	$	685,239	$	1,781,601	$	1,292,288	$	27,526	$	7,319,611

	December 31, 2022
(dollars in thousands)	2022		2021		2020		2019		2018		2017 and Prior		Revolving		Revolving-Term		Total
Commercial Real Estate
Accrual	$	292,732	$	360,423	$	269,049	$	449,493	$	261,941	$	876,435	$	21,666	$	—	$	2,531,739
Nonaccrual	—		—		—		—		—		7,100		—		—		7,100
Total Commercial Real Estate	292,732		360,423		269,049		449,493		261,941		883,535		21,666		—		2,538,839
Commercial and Industrial
Accrual	253,696		289,448		88,544		73,998		65,858		147,273		591,292		—		1,510,109
Nonaccrual	—		—		—		—		53		—		230		—		283
Total Commercial and Industrial	253,696		289,448		88,544		73,998		65,911		147,273		591,522		—		1,510,392
Commercial Construction
Accrual	120,655		170,691		40,762		14,442		3,953		3,792		27,284		—		381,579
Nonaccrual	—		—		—		—		—		384		—		—		384
Total Commercial Construction	120,655		170,691		40,762		14,442		3,953		4,176		27,284		—		381,963
Business Banking
Accrual	287,679		233,656		91,149		109,479		83,689		289,435		105,172		1,195		1,201,454
Nonaccrual	—		67		—		252		1,200		2,776		99		96		4,490
Total Business Banking	287,679		233,723		91,149		109,731		84,889		292,211		105,271		1,291		1,205,944
Consumer Real Estate
Accrual	296,948		148,868		91,085		73,947		31,646		196,384		553,441		23,108		1,415,427
Nonaccrual	—		135		528		636		385		3,785		208		849		6,526
Total Consumer Real Estate	296,948		149,003		91,613		74,583		32,031		200,169		553,649		23,957		1,421,953
Other Consumer
Accrual	20,054		10,819		5,303		3,270		1,034		593		82,125		1,411		124,609
Nonaccrual	—		—		124		—		—		131		—		14		269
Total Other Consumer	20,054		10,819		5,427		3,270		1,034		724		82,125		1,425		124,878
Accrual	1,271,764		1,213,905		585,892		724,629		448,121		1,513,912		1,380,980		25,714		7,164,917
Nonaccrual	—		202		652		888		1,638		14,176		537		959		19,052
Total Loan Balance	$	1,271,764	$	1,214,107	$	586,544	$	725,517	$	449,759	$	1,528,088	$	1,381,517	$	26,673	$	7,183,969

The following tables present collateral-dependent loans by class of loans as of the dates presented:

	June 30, 2023
	Type of Collateral
(dollars in thousands)	Real Estate		Business Assets		Investment/Cash		Other
Commercial real estate	$	—	$	—	$	—	$	—
Commercial and industrial	—		—		—		1,500
Commercial construction	—		—		—		—
Business banking	—		—		—		—
Consumer real estate	—		—		—		—
Total	$	—	$	—	$	—	$	1,500

	December 31, 2022
	Type of Collateral
(dollars in thousands)	Real Estate		Business Assets		Investment/Cash		Other
Commercial real estate	$	5,649	$	—	$	—	$	—
Commercial and industrial	—		626		—		—
Commercial construction	1,655		—		—		—
Business banking	260		1,112		—		154
Consumer real estate	561		—		—		—
Total	$	8,125	$	1,738	$	—	$	154

Schedule of Age Analysis of Past Due Loans Segregated by Class of Loans

The following tables present the age analysis of past due loans segregated by class of loans as of the dates presented:

	June 30, 2023
(dollars in thousands)	Current		30-59 Days Past Due		60-89 Days Past Due		Nonaccrual		Total Past Due Loans		Total Loans
Commercial real estate	$	2,580,469	$	465	$	—	$	1,328	$	1,793	$	2,582,262
Commercial and industrial	1,422,831		—		—		2,652		2,652		1,425,483
Commercial construction	349,459		—		—		384		384		349,843
Business banking	1,284,602		1,437		1,303		3,529		6,269		1,290,871
Consumer real estate	1,544,967		1,577		2,918		6,059		10,554		1,555,521
Other consumer	115,023		164		77		367		608		115,631
Total	$	7,297,351	$	3,643	$	4,298	$	14,319	$	22,260	$	7,319,611

	December 31, 2022
(dollars in thousands)	Current		30-59 Days Past Due		60-89 Days Past Due		Nonaccrual		Total Past Due Loans		Total Loans
Commercial real estate	$	2,523,315	$	8,424	$	—	$	7,100	$	15,524	$	2,538,839
Commercial and industrial	1,505,805		4,304		—		283		4,587		1,510,392
Commercial construction	381,579		—		—		384		384		381,963
Business banking	1,199,586		1,583		285		4,490		6,358		1,205,944
Consumer real estate	1,409,907		3,617		1,903		6,526		12,046		1,421,953
Other consumer	124,384		165		60		269		494		124,878
Total	$	7,144,576	$	18,093	$	2,248	$	19,052	$	39,393	$	7,183,969

Schedule of Allowance for Credit Loss

The following tables present activity in the ACL for the periods presented:

	Three Months Ended June 30, 2023
(dollars in thousands)	Commercial Real Estate		Commercial and Industrial		Commercial Construction		Business Banking		Consumer Real Estate		Other Consumer		Total Loans
Allowance for credit losses on loans:
Balance at beginning of period	$	40,426	$	31,297	$	6,893	$	13,680	$	12,855	$	2,962	$	108,113
Provision for credit losses on loans(1)	(544)		8,832		(154)		(157)		550		84		8,611
Charge-offs	—		(11,808)		—		(10)		(40)		(364)		(12,222)
Recoveries	955		7		—		103		53		137		1,255
Net Recoveries/(Charge-offs)	955		(11,801)		—		93		13		(227)		(10,967)
Balance at End of Period	$	40,837	$	28,328	$	6,739	$	13,616	$	13,418	$	2,819	$	105,757
(1) Excludes the provision for credits losses for unfunded commitments.

	Three Months Ended June 30, 2022
(dollars in thousands)	Commercial Real Estate		Commercial and Industrial		Commercial Construction		Business Banking		Consumer Real Estate		Other Consumer		Total Loans
Allowance for credit losses on loans:
Balance at beginning of period	$	48,903	$	22,237	$	5,329	$	11,497	$	9,118	$	2,831	$	99,915
Provision for credit losses on loans(1)	(3,678)		948		1,254		1,668		582		418		1,192
Charge-offs	(199)		(5,797)		—		(1,141)		(60)		(481)		(7,678)
Recoveries	288		4,138		—		133		33		74		4,666
Net (Charge-offs)/Recoveries	89		(1,659)		—		(1,008)		(27)		(407)		(3,012)
Balance at End of Period	$	45,314	$	21,526	$	6,583	$	12,157	$	9,673	$	2,842	$	98,095
(1) Excludes the provision for credit losses for unfunded commitments.

	Six Months Ended June 30, 2023
(dollars in thousands)	Commercial Real Estate		Commercial and Industrial		Commercial Construction		Business Banking		Consumer Real Estate		Other Consumer		Total Loans
Allowance for credit losses on loans:
Balance at beginning of period	$	41,428	$	25,710	$	6,264	$	12,547	$	12,105	$	3,286	$	101,340
Impact of ASU 2022-02	—		75		215		251		278		(251)		568
Provision for credit losses on loans(1)	(1,555)		8,356		258		1,340		1,038		264		9,701
Charge-offs	—		(15,220)		—		(662)		(117)		(682)		(16,681)
Recoveries	964		9,407		2		140		114		202		10,829
Net (Charge-offs)/Recoveries	964		(5,813)		2		(522)		(3)		(480)		(5,852)
Balance at End of Period	$	40,837	$	28,328	$	6,739	$	13,616	$	13,418	$	2,819	$	105,757
(1) Excludes the provision for credits losses for unfunded commitments.

	Six Months Ended June 30, 2022
(dollars in thousands)	Commercial Real Estate		Commercial and Industrial		Commercial Construction		Business Banking		Consumer Real Estate		Other Consumer		Total Loans
Allowance for credit losses on loans:
Balance at beginning of period	$	50,700	$	19,727	$	5,355	$	11,338	$	8,733	$	2,723	$	98,576
Provision for credit losses on loans(1)	(5,475)		768		1,227		2,207		1,010		758		495
Charge-offs	(199)		(5,798)		—		(1,746)		(138)		(780)		(8,661)
Recoveries	288		6,829		1		358		68		141		7,685
Net (Charge-offs)/Recoveries	89		1,031		1		(1,388)		(70)		(639)		(976)
Balance at End of Period	$	45,314	$	21,526	$	6,583	$	12,157	$	9,673	$	2,842	$	98,095
(1) Excludes the provision for credits losses for unfunded commitments.