XML 79 R63.htm IDEA: XBRL DOCUMENT v3.24.0.1
LOANS AND ALLOWANCE FOR CREDIT LOSSES - Amount of Business Lending Loans by Credit Quality Categories (Details) - USD ($)
$ in Thousands
12 Months Ended
Dec. 31, 2023
Dec. 31, 2022
Dec. 31, 2021
Financing Receivable, Recorded Investment [Line Items]      
Provision for credit losses $ 11,203 $ 14,773 $ (8,839)
Total Loans 9,704,598 8,809,394  
Year One writeoff 0    
Year Two writeoff 160    
Year Three writeoff 0    
Year Four writeoff 0    
Year Five writeoff 0    
Prior 36    
Revolving Loans Amortized Cost Basis 588    
Revolving Loans Converted to Term 0    
Total Loans 784   $ 8,965
Legacy Loan      
Financing Receivable, Recorded Investment [Line Items]      
Total Loans 9,704,598 8,809,394  
Pass      
Financing Receivable, Recorded Investment [Line Items]      
2023 439,165    
2022 624,181    
2021 316,926    
2020 187,579    
2019 217,713    
Prior 679,615    
Revolving Loans Amortized Cost Basis 756,207    
Revolving Loans Converted to Term 585,802    
Total Loans 3,807,188    
Special Mention      
Financing Receivable, Recorded Investment [Line Items]      
2023 31,781    
2022 12,599    
2021 18,249    
2020 3,572    
2019 4,134    
Prior 46,986    
Revolving Loans Amortized Cost Basis 35,890    
Revolving Loans Converted to Term 25,904    
Total Loans 179,115    
Classified      
Financing Receivable, Recorded Investment [Line Items]      
2023 1,865    
2022 2,003    
2021 2,603    
2020 4,953    
2019 2,636    
Prior 30,707    
Revolving Loans Amortized Cost Basis 11,991    
Revolving Loans Converted to Term 40,847    
Total Loans 97,605    
Doubtful      
Financing Receivable, Recorded Investment [Line Items]      
2023 0    
2022 0    
2021 0    
2020 488    
2019 0    
Prior 0    
Revolving Loans Amortized Cost Basis 0    
Revolving Loans Converted to Term 0    
Total Loans 488    
Business lending      
Financing Receivable, Recorded Investment [Line Items]      
2023 472,811 752,210  
2022 638,783 379,473  
2021 337,778 237,510  
2020 196,592 253,689  
2019 224,483 195,249  
Prior 757,308 688,517  
Revolving Loans Amortized Cost Basis 804,088 751,619  
Revolving Loans Converted to Term 652,553 387,398  
Total Loans 4,084,396 3,645,665  
Business lending | Pass      
Financing Receivable, Recorded Investment [Line Items]      
2023   747,623  
2022   373,861  
2021   232,591  
2020   246,817  
2019   168,422  
Prior   604,751  
Revolving Loans Amortized Cost Basis   711,629  
Revolving Loans Converted to Term   336,718  
Total Loans   3,422,412  
Business lending | Special Mention      
Financing Receivable, Recorded Investment [Line Items]      
2023   2,787  
2022   4,837  
2021   3,781  
2020   3,676  
2019   14,592  
Prior   45,628  
Revolving Loans Amortized Cost Basis   29,403  
Revolving Loans Converted to Term   29,974  
Total Loans   134,678  
Business lending | Classified      
Financing Receivable, Recorded Investment [Line Items]      
2023   1,800  
2022   775  
2021   1,138  
2020   3,196  
2019   12,235  
Prior   38,138  
Revolving Loans Amortized Cost Basis   10,587  
Revolving Loans Converted to Term   20,706  
Total Loans   88,575  
Business lending | Doubtful      
Financing Receivable, Recorded Investment [Line Items]      
2023   0  
2022   0  
2021   0  
2020   0  
2019   0  
Prior   0  
Revolving Loans Amortized Cost Basis   0  
Revolving Loans Converted to Term   0  
Total Loans   0  
CRE - multifamily      
Financing Receivable, Recorded Investment [Line Items]      
2023 104,063 149,205  
2022 153,613 49,804  
2021 52,058 21,818  
2020 20,047 41,676  
2019 42,543 33,162  
Prior 117,102 97,911  
Revolving Loans Amortized Cost Basis 3,387 17,038  
Revolving Loans Converted to Term 126,981 74,159  
Total Loans 619,794 484,773  
Year One writeoff 0    
Year Two writeoff 0    
Year Three writeoff 0    
Year Four writeoff 0    
Year Five writeoff 0    
Prior 0    
Revolving Loans Amortized Cost Basis 0    
Revolving Loans Converted to Term 0    
Total Loans 0    
CRE - multifamily | Pass      
Financing Receivable, Recorded Investment [Line Items]      
2023 90,888 149,205  
2022 145,337 48,624  
2021 52,058 21,749  
2020 19,982 40,864  
2019 41,992 31,172  
Prior 112,287 93,159  
Revolving Loans Amortized Cost Basis 3,237 17,038  
Revolving Loans Converted to Term 106,580 54,161  
Total Loans 572,361 455,972  
CRE - multifamily | Special Mention      
Financing Receivable, Recorded Investment [Line Items]      
2023 13,175 0  
2022 7,317 1,180  
2021 0 69  
2020 65 234  
2019 0 1,288  
Prior 3,522 252  
Revolving Loans Amortized Cost Basis 0 0  
Revolving Loans Converted to Term 8,289 19,998  
Total Loans 32,368 23,021  
CRE - multifamily | Classified      
Financing Receivable, Recorded Investment [Line Items]      
2023 0 0  
2022 959 0  
2021 0 0  
2020 0 578  
2019 551 702  
Prior 1,293 4,500  
Revolving Loans Amortized Cost Basis 150 0  
Revolving Loans Converted to Term 12,112 0  
Total Loans 15,065 5,780  
CRE - multifamily | Doubtful      
Financing Receivable, Recorded Investment [Line Items]      
2023 0 0  
2022 0 0  
2021 0 0  
2020 0 0  
2019 0 0  
Prior 0 0  
Revolving Loans Amortized Cost Basis 0 0  
Revolving Loans Converted to Term 0 0  
Total Loans 0 0  
CRE - owner occupied      
Financing Receivable, Recorded Investment [Line Items]      
2023 62,682 95,031  
2022 92,108 64,831  
2021 60,369 57,032  
2020 48,584 87,957  
2019 82,347 53,871  
Prior 211,838 198,625  
Revolving Loans Amortized Cost Basis 29,707 49,998  
Revolving Loans Converted to Term 165,139 115,042  
Total Loans 752,774 722,387  
Year One writeoff 0    
Year Two writeoff 0    
Year Three writeoff 0    
Year Four writeoff 0    
Year Five writeoff 0    
Prior 0    
Revolving Loans Amortized Cost Basis 19    
Revolving Loans Converted to Term 0    
Total Loans 19    
CRE - owner occupied | Pass      
Financing Receivable, Recorded Investment [Line Items]      
2023 58,544 92,920  
2022 89,616 64,019  
2021 58,798 54,765  
2020 46,465 85,791  
2019 80,361 46,175  
Prior 192,345 174,928  
Revolving Loans Amortized Cost Basis 28,023 47,866  
Revolving Loans Converted to Term 158,652 109,315  
Total Loans 712,804 675,779  
CRE - owner occupied | Special Mention      
Financing Receivable, Recorded Investment [Line Items]      
2023 3,258 706  
2022 2,384 732  
2021 649 1,831  
2020 639 1,606  
2019 1,472 1,799  
Prior 11,962 10,443  
Revolving Loans Amortized Cost Basis 743 1,641  
Revolving Loans Converted to Term 6,064 2,359  
Total Loans 27,171 21,117  
CRE - owner occupied | Classified      
Financing Receivable, Recorded Investment [Line Items]      
2023 880 1,405  
2022 108 80  
2021 922 436  
2020 1,480 560  
2019 514 5,897  
Prior 7,531 13,254  
Revolving Loans Amortized Cost Basis 941 491  
Revolving Loans Converted to Term 423 3,368  
Total Loans 12,799 25,491  
CRE - owner occupied | Doubtful      
Financing Receivable, Recorded Investment [Line Items]      
2023 0 0  
2022 0 0  
2021 0 0  
2020 0 0  
2019 0 0  
Prior 0 0  
Revolving Loans Amortized Cost Basis 0 0  
Revolving Loans Converted to Term 0 0  
Total Loans 0 0  
CRE - non-owner occupied      
Financing Receivable, Recorded Investment [Line Items]      
2023 144,095 266,890  
2022 256,662 140,861  
2021 128,538 103,716  
2020 91,355 67,699  
2019 62,003 72,644  
Prior 325,684 283,561  
Revolving Loans Amortized Cost Basis 406,465 333,287  
Revolving Loans Converted to Term 296,396 163,062  
Total Loans 1,711,198 1,431,720  
Year One writeoff 0    
Year Two writeoff 0    
Year Three writeoff 0    
Year Four writeoff 0    
Year Five writeoff 0    
Prior 0    
Revolving Loans Amortized Cost Basis 0    
Revolving Loans Converted to Term 0    
Total Loans 0    
CRE - non-owner occupied | Pass      
Financing Receivable, Recorded Investment [Line Items]      
2023 143,106 266,704  
2022 255,699 139,965  
2021 111,306 103,026  
2020 86,560 66,272  
2019 60,646 56,406  
Prior 275,458 234,593  
Revolving Loans Amortized Cost Basis 387,559 323,477  
Revolving Loans Converted to Term 265,348 140,418  
Total Loans 1,585,682 1,330,861  
CRE - non-owner occupied | Special Mention      
Financing Receivable, Recorded Investment [Line Items]      
2023 42 186  
2022 827 896  
2021 16,109 690  
2020 1,311 116  
2019 109 11,052  
Prior 29,648 30,874  
Revolving Loans Amortized Cost Basis 18,806 8,429  
Revolving Loans Converted to Term 3,506 5,663  
Total Loans 70,358 57,906  
CRE - non-owner occupied | Classified      
Financing Receivable, Recorded Investment [Line Items]      
2023 947 0  
2022 136 0  
2021 1,123 0  
2020 2,996 1,311  
2019 1,248 5,186  
Prior 20,578 18,094  
Revolving Loans Amortized Cost Basis 100 1,381  
Revolving Loans Converted to Term 27,542 16,981  
Total Loans 54,670 42,953  
CRE - non-owner occupied | Doubtful      
Financing Receivable, Recorded Investment [Line Items]      
2023 0 0  
2022 0 0  
2021 0 0  
2020 488 0  
2019 0 0  
Prior 0 0  
Revolving Loans Amortized Cost Basis 0 0  
Revolving Loans Converted to Term 0 0  
Total Loans 488 0  
Commercial & industrial and other business loans      
Financing Receivable, Recorded Investment [Line Items]      
2023 161,971 241,084  
2022 136,400 123,977  
2021 96,813 54,944  
2020 36,606 56,357  
2019 37,590 35,572  
Prior 102,684 108,420  
Revolving Loans Amortized Cost Basis 364,529 351,296  
Revolving Loans Converted to Term 64,037 35,135  
Total Loans 1,000,630 1,006,785  
Year One writeoff 0    
Year Two writeoff 160    
Year Three writeoff 0    
Year Four writeoff 0    
Year Five writeoff 0    
Prior 36    
Revolving Loans Amortized Cost Basis 569    
Revolving Loans Converted to Term 0    
Total Loans 765    
Commercial & industrial and other business loans | Pass      
Financing Receivable, Recorded Investment [Line Items]      
2023 146,627 238,794  
2022 133,529 121,253  
2021 94,764 53,051  
2020 34,572 53,890  
2019 34,714 34,669  
Prior 99,525 102,071  
Revolving Loans Amortized Cost Basis 337,388 323,248  
Revolving Loans Converted to Term 55,222 32,824  
Total Loans 936,341 959,800  
Commercial & industrial and other business loans | Special Mention      
Financing Receivable, Recorded Investment [Line Items]      
2023 15,306 1,895  
2022 2,071 2,029  
2021 1,491 1,191  
2020 1,557 1,720  
2019 2,553 453  
Prior 1,854 4,059  
Revolving Loans Amortized Cost Basis 16,341 19,333  
Revolving Loans Converted to Term 8,045 1,954  
Total Loans 49,218 32,634  
Commercial & industrial and other business loans | Classified      
Financing Receivable, Recorded Investment [Line Items]      
2023 38 395  
2022 800 695  
2021 558 702  
2020 477 747  
2019 323 450  
Prior 1,305 2,290  
Revolving Loans Amortized Cost Basis 10,800 8,715  
Revolving Loans Converted to Term 770 357  
Total Loans 15,071 14,351  
Commercial & industrial and other business loans | Doubtful      
Financing Receivable, Recorded Investment [Line Items]      
2023 0 0  
2022 0 0  
2021 0 0  
2020 0 0  
2019 0 0  
Prior 0 0  
Revolving Loans Amortized Cost Basis 0 0  
Revolving Loans Converted to Term 0 0  
Total Loans 0 0  
Consumer mortgage      
Financing Receivable, Recorded Investment [Line Items]      
2023 503,463 539,679  
2022 506,770 672,042  
2021 624,951 332,352  
2020 304,666 255,089  
2019 230,933 157,548  
Prior 956,818 944,971  
Revolving Loans Amortized Cost Basis 39,997 28,989  
Revolving Loans Converted to Term 117,420 81,805  
Total Loans 3,285,018 3,012,475  
Year One writeoff 0    
Year Two writeoff 0    
Year Three writeoff 0    
Year Four writeoff 0    
Year Five writeoff 85    
Prior 584    
Revolving Loans Amortized Cost Basis 0    
Revolving Loans Converted to Term 0    
Total Loans 669    
Consumer mortgage | FICO AB      
Financing Receivable, Recorded Investment [Line Items]      
2023 354,967 379,171  
2022 353,556 492,806  
2021 457,635 218,462  
2020 200,034 174,126  
2019 157,438 100,560  
Prior 611,778 608,605  
Revolving Loans Amortized Cost Basis 0 954  
Revolving Loans Converted to Term 86,262 59,088  
Total Loans 2,221,670 2,033,772  
Consumer mortgage | FICO AB | Performing      
Financing Receivable, Recorded Investment [Line Items]      
2023 354,967 379,171  
2022 353,185 492,731  
2021 456,871 217,889  
2020 199,429 173,942  
2019 157,159 100,161  
Prior 606,591 604,258  
Revolving Loans Amortized Cost Basis 0 954  
Revolving Loans Converted to Term 86,067 58,639  
Total Loans 2,214,269 2,027,745  
Consumer mortgage | FICO AB | Nonperforming      
Financing Receivable, Recorded Investment [Line Items]      
2023 0 0  
2022 371 75  
2021 764 573  
2020 605 184  
2019 279 399  
Prior 5,187 4,347  
Revolving Loans Amortized Cost Basis 0 0  
Revolving Loans Converted to Term 195 449  
Total Loans 7,401 6,027  
Consumer mortgage | FICO CDE      
Financing Receivable, Recorded Investment [Line Items]      
2023 148,496 160,508  
2022 153,214 179,236  
2021 167,316 113,890  
2020 104,632 80,963  
2019 73,495 56,988  
Prior 345,040 336,366  
Revolving Loans Amortized Cost Basis 39,997 28,035  
Revolving Loans Converted to Term 31,158 22,717  
Total Loans 1,063,348 978,703  
Consumer mortgage | FICO CDE | Performing      
Financing Receivable, Recorded Investment [Line Items]      
2023 148,443 160,388  
2022 150,585 178,262  
2021 164,839 112,640  
2020 103,003 79,357  
2019 71,710 54,861  
Prior 331,839 323,189  
Revolving Loans Amortized Cost Basis 39,630 27,884  
Revolving Loans Converted to Term 30,098 22,056  
Total Loans 1,040,147 958,637  
Consumer mortgage | FICO CDE | Nonperforming      
Financing Receivable, Recorded Investment [Line Items]      
2023 53 120  
2022 2,629 974  
2021 2,477 1,250  
2020 1,629 1,606  
2019 1,785 2,127  
Prior 13,201 13,177  
Revolving Loans Amortized Cost Basis 367 151  
Revolving Loans Converted to Term 1,060 661  
Total Loans 23,201 20,066  
Consumer indirect      
Financing Receivable, Recorded Investment [Line Items]      
2023 681,908 777,531  
2022 573,242 422,595  
2021 273,136 129,502  
2020 71,470 99,660  
2019 45,222 52,313  
Prior 58,462 58,052  
Revolving Loans Amortized Cost Basis 0 0  
Revolving Loans Converted to Term 0 0  
Total Loans 1,703,440 1,539,653  
Year One writeoff 926    
Year Two writeoff 3,595    
Year Three writeoff 1,969    
Year Four writeoff 1,171    
Year Five writeoff 570    
Prior 1,121    
Revolving Loans Amortized Cost Basis 0    
Revolving Loans Converted to Term 0    
Total Loans 9,352    
Consumer indirect | Performing      
Financing Receivable, Recorded Investment [Line Items]      
2023 681,824 777,513  
2022 572,799 422,594  
2021 273,035 129,449  
2020 71,428 99,593  
2019 45,203 52,298  
Prior 58,375 58,028  
Revolving Loans Amortized Cost Basis 0 0  
Revolving Loans Converted to Term 0 0  
Total Loans 1,702,664 1,539,475  
Consumer indirect | Nonperforming      
Financing Receivable, Recorded Investment [Line Items]      
2023 84 18  
2022 443 1  
2021 101 53  
2020 42 67  
2019 19 15  
Prior 87 24  
Revolving Loans Amortized Cost Basis 0 0  
Revolving Loans Converted to Term 0 0  
Total Loans 776 178  
Consumer direct      
Financing Receivable, Recorded Investment [Line Items]      
2023 80,202 84,117  
2022 52,867 46,432  
2021 26,664 17,067  
2020 8,282 12,730  
2019 4,606 5,602  
Prior 5,720 5,070  
Revolving Loans Amortized Cost Basis 6,887 6,585  
Revolving Loans Converted to Term 1 2  
Total Loans 185,229 177,605  
Year One writeoff 206    
Year Two writeoff 813    
Year Three writeoff 450    
Year Four writeoff 110    
Year Five writeoff 110    
Prior 159    
Revolving Loans Amortized Cost Basis 161    
Revolving Loans Converted to Term 0    
Total Loans 2,009    
Consumer direct | Performing      
Financing Receivable, Recorded Investment [Line Items]      
2023 80,169 84,111  
2022 52,826 46,381  
2021 26,617 17,066  
2020 8,282 12,729  
2019 4,604 5,573  
Prior 5,697 5,020  
Revolving Loans Amortized Cost Basis 6,875 6,563  
Revolving Loans Converted to Term 1 2  
Total Loans 185,071 177,445  
Consumer direct | Nonperforming      
Financing Receivable, Recorded Investment [Line Items]      
2023 33 6  
2022 41 51  
2021 47 1  
2020 0 1  
2019 2 29  
Prior 23 50  
Revolving Loans Amortized Cost Basis 12 22  
Revolving Loans Converted to Term 0 0  
Total Loans 158 160  
Home equity      
Financing Receivable, Recorded Investment [Line Items]      
2023 61,065 69,575  
2022 62,963 72,280  
2021 63,112 38,078  
2020 31,347 31,675  
2019 25,981 16,173  
Prior 45,365 41,703  
Revolving Loans Amortized Cost Basis 127,992 133,266  
Revolving Loans Converted to Term 28,690 31,246  
Total Loans 446,515 433,996  
Year One writeoff 0    
Year Two writeoff 0    
Year Three writeoff 0    
Year Four writeoff 64    
Year Five writeoff 0    
Prior 44    
Revolving Loans Amortized Cost Basis 11    
Revolving Loans Converted to Term 0    
Total Loans 119    
Home equity | Performing      
Financing Receivable, Recorded Investment [Line Items]      
2023 61,065 69,575  
2022 62,801 72,270  
2021 63,102 37,964  
2020 31,094 31,506  
2019 25,721 16,068  
Prior 44,832 41,097  
Revolving Loans Amortized Cost Basis 126,939 132,703  
Revolving Loans Converted to Term 28,177 30,569  
Total Loans 443,731 431,752  
Home equity | Nonperforming      
Financing Receivable, Recorded Investment [Line Items]      
2023 0 0  
2022 162 10  
2021 10 114  
2020 253 169  
2019 260 105  
Prior 533 606  
Revolving Loans Amortized Cost Basis 1,053 563  
Revolving Loans Converted to Term 513 677  
Total Loans $ 2,784 $ 2,244