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Loans Loans (Tables)
 6 Months Ended
Jun. 30, 2022
Receivables [Abstract]  
Loan composition
The period end loan composition was as follows:
($ in Thousands)Jun 30, 2022Dec 31, 2021
PPP$9,514 $66,070 
Asset-based lending & equipment finance(a)
263,044 178,027 
Commercial and industrial8,984,127 8,208,289 
Commercial real estate — owner occupied928,152 971,326 
Commercial and business lending10,184,836 9,423,711 
Commercial real estate — investor4,790,241 4,384,569 
Real estate construction1,775,648 1,808,976 
Commercial real estate lending6,565,889 6,193,545 
Total commercial16,750,726 15,617,256 
Residential mortgage8,002,943 7,567,310 
Auto finance847,969 143,045 
Home equity592,843 595,615 
Other consumer300,217 301,723 
Total consumer9,743,972 8,607,693 
Total loans$26,494,698 $24,224,949 
(a) Dec 31, 2021 does not include equipment finance.
Commercial and consumer loans by credit quality indicator he following table presents commercial and consumer loans by credit quality indicator by vintage year at June 30, 2022:
Term Loans Amortized Cost Basis by Origination Year(a)
($ in Thousands)
Rev Loans Converted to Term(a)
Rev Loans Amortized Cost BasisYTD 20222021202020192018PriorTotal
PPP:(b)
Risk rating:
Pass$— $— $49 $8,527 $891 $— $— $— $9,467 
Potential Problem— — 47 — — — — — 47 
PPP$— $— $96 $8,527 $891 $— $— $— $9,514 
Asset-based lending & equipment finance:
Risk rating:
Pass$— $19,968 $77,441 $100,349 $44,012 $977 $192 $8 $242,947 
Special Mention— — — — 285 — — — 285 
Potential Problem— 1,563 1,500 — 16,750 — — — 19,813 
Asset-based lending & equipment finance$— $21,531 $78,941 $100,349 $61,047 $977 $192 $8 $263,044 
Commercial and industrial:
Risk rating:
Pass$— $2,252,288 $1,499,191 $2,520,309 $695,696 $772,615 $541,349 $542,828 $8,824,277 
Special Mention— 16,663 1,500 5,242 17,308 — — 33,509 74,222 
Potential Problem71 10,237 17,655 1,312 3,751 44,715 175 6,940 84,785 
Nonaccrual— — — — 843 — — — 843 
Commercial and industrial$71 $2,279,187 $1,518,346 $2,526,863 $717,599 $817,331 $541,524 $583,277 $8,984,127 
Commercial real estate - owner occupied:
Risk rating:
Pass$— $6,344 $57,860 $251,874 $170,340 $173,189 $95,730 $126,926 $882,263 
Special Mention— — — — 7,260 — — — 7,260 
Potential Problem— 211 898 8,779 3,752 9,073 5,282 10,634 38,628 
Commercial real estate - owner occupied$— $6,555 $58,757 $260,653 $181,352 $182,262 $101,012 $137,560 $928,152 
Commercial and business lending:
Risk rating:
Pass$— $2,278,600 $1,634,541 $2,881,059 $910,939 $946,782 $637,271 $669,762 $9,958,954 
Special Mention— 16,663 1,500 5,242 24,853 — — 33,509 81,767 
Potential Problem71 12,010 20,100 10,091 24,253 53,788 5,457 17,574 143,273 
Nonaccrual— — — — 843 — — — 843 
Commercial and business lending$71 $2,307,273 $1,656,141 $2,896,392 $960,888 $1,000,570 $642,728 $720,844 $10,184,836 
Commercial real estate - investor:
Risk rating:
Pass$38,623 $91,473 $1,069,896 $1,488,158 $731,756 $569,142 $274,865 $294,879 $4,520,168 
Special Mention— — — 69,497 — 20,906 — 212 90,615 
Potential Problem— — 267 48,237 28,728 25,497 18,746 11,161 132,635 
Nonaccrual— — 814 37,922 7,642 444 — — 46,823 
Commercial real estate - investor$38,623 $91,473 $1,070,977 $1,643,814 $768,126 $615,989 $293,611 $306,252 $4,790,241 
Real estate construction:
Risk rating:
Pass$— $27,288 $263,216 $962,486 $375,197 $65,237 $23,355 $11,039 $1,727,819 
Special Mention— — — 941 11,929 34,274 — — 47,144 
Potential Problem— — — 82 — — — — 82 
Nonaccrual— — — — — — — 604 604 
Real estate construction$— $27,288 $263,216 $963,509 $387,126 $99,511 $23,355 $11,643 $1,775,648 
Term Loans Amortized Cost Basis by Origination Year(a)
($ in Thousands)
Rev Loans Converted to Term(a)
Rev Loans Amortized Cost BasisYTD 20222021202020192018PriorTotal
Commercial real estate lending:
Risk rating:
Pass$38,623 $118,762 $1,333,112 $2,450,644 $1,106,953 $634,379 $298,220 $305,917 $6,247,987 
Special Mention— — — 70,438 11,929 55,180 — 212 137,758 
Potential Problem— — 267 48,318 28,728 25,497 18,746 11,161 132,717 
Nonaccrual— — 814 37,922 7,642 444 — 604 47,427 
Commercial real estate lending$38,623 $118,762 $1,334,193 $2,607,322 $1,155,252 $715,500 $316,966 $317,895 $6,565,889 
Total commercial:
Risk rating:
Pass$38,623 $2,397,362 $2,967,653 $5,331,703 $2,017,892 $1,581,161 $935,492 $975,679 $16,206,941 
Special Mention— 16,663 1,500 75,680 36,782 55,180 — 33,721 219,525 
Potential Problem71 12,010 20,367 58,409 52,981 79,285 24,203 28,735 275,990 
Nonaccrual— — 814 37,922 8,485 444 — 604 48,270 
Total commercial$38,694 $2,426,035 $2,990,334 $5,503,714 $2,116,140 $1,716,070 $959,695 $1,038,739 $16,750,726 
Residential mortgage:
Risk rating:
Pass$— $— $825,055 $1,959,667 $1,789,114 $865,412 $389,154 $2,118,258 $7,946,661 
Special Mention— — — — 99 — — 46 145 
Potential Problem— — 330 462 96 754 633 1,022 3,297 
Nonaccrual— — 3,839 1,925 3,497 3,928 6,295 33,355 52,840 
Residential mortgage$— $— $829,224 $1,962,054 $1,792,807 $870,095 $396,082 $2,152,682 $8,002,943 
Auto finance:
Risk rating:
Pass$— $— $719,132 $125,195 $476 $1,904 $760 $179 $847,646 
Special Mention— — 130 140 — — — — 271 
Nonaccrual— — — 21 — 21 11 — 53 
Auto finance$— $— $719,263 $125,356 $476 $1,925 $771 $179 $847,969 
Home equity:
Risk rating:
Pass$5,461 $493,282 $9,466 $3,966 $1,675 $6,664 $7,840 $62,133 $585,026 
Special Mention109 65 — — 33 26 39 366 529 
Potential Problem— — — — — 35 7 146 188 
Nonaccrual759 8 — 15 68 165 346 6,497 7,100 
Home equity$6,328 $493,356 $9,466 $3,981 $1,776 $6,890 $8,232 $69,143 $592,843 
Other consumer:
Risk rating:
Pass$111 $190,483 $4,065 $6,704 $3,204 $1,786 $307 $93,134 $299,685 
Special Mention1 430 — 18 — — — 1 449 
Nonaccrual15 14 — — 29 9 5 27 83 
Other consumer$127 $190,927 $4,065 $6,723 $3,233 $1,795 $312 $93,162 $300,217 
Total consumer:
Risk rating:
Pass$5,572 $683,766 $1,557,718 $2,095,532 $1,794,469 $875,766 $398,061 $2,273,705 $9,679,017 
Special Mention109 495 130 159 131 26 39 413 1,394 
Potential Problem— — 330 462 96 789 640 1,168 3,486 
Nonaccrual774 22 3,839 1,961 3,594 4,123 6,657 39,880 60,075 
Total consumer$6,455 $684,283 $1,562,017 $2,098,113 $1,798,292 $880,705 $405,397 $2,315,166 $9,743,972 
Total loans:
Risk rating:
Pass$44,195 $3,081,128 $4,525,371 $7,427,234 $3,812,361 $2,456,927 $1,333,552 $3,249,384 $25,885,958 
Special Mention109 17,158 1,630 75,838 36,913 55,206 39 34,134 220,919 
Potential Problem71 12,010 20,697 58,871 53,077 80,074 24,843 29,903 279,475 
Nonaccrual774 22 4,653 39,883 12,079 4,567 6,657 40,484 108,345 
Total loans$45,149 $3,110,318 $4,552,351 $7,601,827 $3,914,431 $2,596,775 $1,365,091 $3,353,905 $26,494,698 
(a) Revolving loans converted to term loans are also reported in their year of origination.
(b) The Corporation’s policy is to assign risk ratings at the borrower level. PPP loans are 100% guaranteed by the SBA and therefore the Corporation considers these loans to have a risk profile similar to pass rated loans.
The following table presents commercial and consumer loans by credit quality indicator by vintage year at December 31, 2021:
Term Loans Amortized Cost Basis by Origination Year(a)
($ in Thousands)
Rev Loans Converted to Term(a)
Rev Loans Amortized Cost Basis20212020201920182017PriorTotal
PPP:(b)
Risk rating:
Pass$— $— $44,921 $18,610 $— $— $— $— $63,531 
Special Mention— — 212 281 — — — — 493 
Potential Problem— — 2,000 — — — — — 2,000 
Nonaccrual— — — 46 — — — — 46 
PPP$— $— $47,134 $18,936 $— $— $— $— $66,070 
Commercial and industrial:(c)
Risk rating:
Pass$2,084 $2,371,605 $2,631,753 $852,758 $986,300 $710,491 $177,568 $493,876 $8,224,351 
Special Mention— 7,068 5,900 1,695 — — — 2,811 17,474 
Potential Problem2,706 26,387 23,415 19,960 46,296 20,924 104 1,172 138,258 
Nonaccrual76 — 5,996 161 52 24 — — 6,233 
Commercial and industrial$4,867 $2,405,059 $2,667,064 $874,575 $1,032,647 $731,439 $177,671 $497,860 $8,386,316 
Commercial real estate - owner occupied:
Risk rating:
Pass$10,092 $30,869 $261,418 $178,424 $187,073 $110,169 $54,538 $117,011 $939,503 
Special Mention— 226 — 4,628 — — — 245 5,100 
Potential Problem— 526 5,953 4,721 10,047 727 2,204 2,546 26,723 
Commercial real estate - owner occupied$10,092 $31,621 $267,371 $187,773 $197,120 $110,896 $56,742 $119,802 $971,326 
Commercial and business lending:
Risk rating:
Pass$12,176 $2,402,474 $2,938,092 $1,049,792 $1,173,373 $820,660 $232,106 $610,887 $9,227,385 
Special Mention— 7,294 6,112 6,604 — — — 3,056 23,066 
Potential Problem2,706 26,913 31,368 24,681 56,343 21,651 2,307 3,718 166,981 
Nonaccrual76 — 5,996 207 52 24 — — 6,279 
Commercial and business lending$14,958 $2,436,680 $2,981,569 $1,081,284 $1,229,767 $842,335 $234,414 $617,662 $9,423,711 
Commercial real estate - investor:
Risk rating:
Pass$37,430 $105,521 $1,650,936 $685,423 $867,606 $414,079 $139,320 $230,452 $4,093,337 
Special Mention— — 57,163 27,384 33,016 72 — 6,781 124,416 
Potential Problem— — 21,309 9,860 22,243 34,591 3,564 14,573 106,138 
Nonaccrual— — 45,502 8,158 6,820 — — 197 60,677 
Commercial real estate - investor$37,430 $105,521 $1,774,910 $730,825 $929,685 $448,741 $142,883 $252,003 $4,384,569 
Real estate construction:
Risk rating:
Pass$— $31,773 $843,664 $614,469 $204,337 $48,647 $2,229 $12,212 $1,757,331 
Special Mention— — 2,203 11,929 — 15,885 41 2 30,060 
Potential Problem— — 37 120 21,251 — — — 21,408 
Nonaccrual— — — — — — — 177 177 
Real estate construction$— $31,773 $845,903 $626,518 $225,588 $64,532 $2,270 $12,392 $1,808,976 
Commercial real estate lending:
Risk rating:
Pass$37,430 $137,294 $2,494,600 $1,299,893 $1,071,943 $462,726 $141,549 $242,664 $5,850,668 
Special Mention— — 59,366 39,313 33,016 15,957 41 6,784 154,476 
Potential Problem— — 21,345 9,980 43,494 34,591 3,564 14,573 127,546 
Nonaccrual— — 45,502 8,158 6,820 — — 374 60,855 
Commercial real estate lending$37,430 $137,294 $2,620,814 $1,357,343 $1,155,273 $513,273 $145,153 $264,395 $6,193,545 
Term Loans Amortized Cost Basis by Origination Year(a)
($ in Thousands)
Rev Loans Converted to Term(a)
Rev Loans Amortized Cost Basis20212020201920182017PriorTotal
Total commercial:
Risk rating:
Pass$49,606 $2,539,768 $5,432,693 $2,349,685 $2,245,316 $1,283,386 $373,655 $853,551 $15,078,053 
Special Mention— 7,294 65,478 45,917 33,016 15,957 41 9,840 177,543 
Potential Problem2,706 26,913 52,713 34,660 99,837 56,241 5,871 18,291 294,527 
Nonaccrual76 — 51,498 8,365 6,872 24 — 374 67,134 
Total commercial$52,388 $2,573,974 $5,602,382 $2,438,627 $2,385,040 $1,355,608 $379,567 $882,057 $15,617,256 
Residential mortgage:
Risk rating:
Pass$— $— $1,771,447 $1,945,029 $974,188 $428,459 $673,447 $1,716,419 $7,508,989 
Special Mention— — — — — 285 — 461 746 
Potential Problem— — 475 332 404 265 81 658 2,214 
Nonaccrual— — 1,993 2,911 4,479 6,224 6,019 33,734 55,362 
Residential mortgage$— $— $1,773,915 $1,948,272 $979,071 $435,233 $679,547 $1,751,272 $7,567,310 
Auto finance:
Risk rating:
Pass$— $— $137,952 $707 $2,675 $1,200 $352 $107 $142,993 
Nonaccrual— — — — 36 15 — — 52 
Auto finance$— $— $137,952 $707 $2,711 $1,216 $352 $107 $143,045 
Home equity:
Risk rating:
Pass$6,728 $498,970 $1,216 $1,401 $7,640 $8,742 $7,660 $61,251 $586,880 
Special Mention133 100 — 102 4 — — 638 844 
Potential Problem6 — 6 — — 13 — 146 165 
Nonaccrual925 35 9 92 211 305 302 6,772 7,726 
Home equity$7,792 $499,104 $1,232 $1,595 $7,856 $9,059 $7,962 $68,807 $595,615 
Other consumer:
Risk rating:
Pass$443 $180,312 $9,297 $4,987 $2,884 $371 $265 $103,075 $301,191 
Special Mention7 351 — 4 — — — 7 363 
Nonaccrual6 120 — 14 7 — 19 11 170 
Other consumer$456 $180,783 $9,297 $5,005 $2,890 $371 $284 $103,093 $301,723 
Total consumer:
Risk rating:
Pass$7,171 $679,353 $1,919,912 $1,952,124 $987,387 $438,771 $681,725 $1,880,781 $8,540,053 
Special Mention140 451 — 106 4 285 — 1,106 1,952 
Potential Problem6 — 481 332 404 277 81 804 2,379 
Nonaccrual931 154 2,003 3,017 4,733 6,545 6,340 40,517 63,309 
Total consumer$8,248 $679,959 $1,922,396 $1,955,579 $992,528 $445,878 $688,145 $1,923,208 $8,607,693 
Total loans:
Risk rating:
Pass$56,777 $3,219,121 $7,352,605 $4,301,809 $3,232,703 $1,722,157 $1,055,380 $2,734,332 $23,618,106 
Special Mention140 7,745 65,478 46,023 33,021 16,241 41 10,946 179,495 
Potential Problem2,713 26,913 53,194 34,992 100,240 56,519 5,952 19,095 296,905 
Nonaccrual1,006 154 53,501 11,382 11,605 6,569 6,340 40,891 130,443 
Total loans$60,636 $3,253,933 $7,524,778 $4,394,206 $3,377,569 $1,801,486 $1,067,713 $2,805,265 $24,224,949 
(a) Revolving loans converted to term loans are also reported in their year of origination.
(b) The Corporation’s policy is to assign risk ratings at the borrower level. PPP loans are 100% guaranteed by the SBA and therefore the Corporation considers these loans to have a risk profile similar to pass rated loans.
(c) Includes asset-based lending & equipment finance.
Summarized details of Loans
The following table presents loans by past due status at June 30, 2022:
Accruing
($ in Thousands)Current30-59 Days
Past Due		60-89 Days
Past Due		90+ Days
Past Due
Nonaccrual(a)(b)
Total
PPP$8,039 $1,361 $113 $— $— $9,514 
Asset-based lending & equipment finance263,044 — — — — 263,044 
Commercial and industrial8,982,984 106 61 133 843 8,984,127 
Commercial real estate - owner occupied928,152 — — — — 928,152 
Commercial and business lending10,182,219 1,467 174 133 843 10,184,836 
Commercial real estate - investor4,737,934 5,484 — — 46,823 4,790,241 
Real estate construction1,775,044 — — — 604 1,775,648 
Commercial real estate lending6,512,978 5,484 — — 47,427 6,565,889 
Total commercial16,695,197 6,952 174 133 48,270 16,750,726 
Residential mortgage7,944,365 5,213 102 423 52,840 8,002,943 
Auto finance845,010 2,635 271 — 53 847,969 
Home equity582,782 2,448 514 — 7,100 592,843 
Other consumer297,770 807 557 999 83 300,217 
Total consumer9,669,928 11,104 1,444 1,422 60,075 9,743,972 
Total loans$26,365,125 $18,055 $1,618 $1,555 $108,345 $26,494,698 
(a) Of the total nonaccrual loans, $65 million, or 60%, were current with respect to payment at June 30, 2022.
(b) No interest income was recognized on nonaccrual loans for the three and six months ended June 30, 2022. In addition, there were $15 million of nonaccrual loans for which there was no related ACLL at June 30, 2022.
The following table presents loans by past due status at December 31, 2021:
Accruing
($ in Thousands)Current30-59 Days
Past Due		60-89 Days
Past Due		90+ Days 
Past Due
Nonaccrual(a)(b)
Total
PPP$65,941 $40 $43 $— $46 $66,070 
Asset-based lending178,027 — — — — 178,027 
Commercial and industrial(c)
8,201,272 579 54 151 6,233 8,208,289 
Commercial real estate - owner occupied971,163 163 — — — 971,326 
Commercial and business lending9,416,403 781 97 151 6,279 9,423,711 
Commercial real estate - investor4,323,276 142 474 — 60,677 4,384,569 
Real estate construction1,807,178 1,618 2 — 177 1,808,976 
Commercial real estate lending6,130,454 1,759 477 — 60,855 6,193,545 
Total commercial15,546,857 2,541 573 151 67,134 15,617,256 
Residential mortgage7,505,654 5,500 669 126 55,362 7,567,310 
Auto finance142,982 11 — — 52 143,045 
Home equity584,177 2,867 844 — 7,726 595,615 
Other consumer298,261 1,835 472 986 170 301,723 
Total consumer8,531,074 10,213 1,985 1,111 63,309 8,607,693 
Total loans$24,077,931 $12,754 $2,558 $1,263 $130,443 $24,224,949 
(a) Of the total nonaccrual loans, $84 million, or 65%, were current with respect to payment at December 31, 2021.
(b) No interest income was recognized on nonaccrual loans for the year ended December 31, 2021. In addition, there were $9 million of nonaccrual loans for which there was no related ACLL at December 31, 2021.
(c) Includes equipment finance.
Nonaccrual and performing restructured loans The following table presents nonaccrual and performing restructured loans by loan portfolio:
 Jun 30, 2022Dec 31, 2021
 ($ in Thousands)Performing
Restructured
Loans
Nonaccrual
Restructured
Loans(a)
Performing
Restructured
Loans
Nonaccrual
Restructured
Loans(a)
Commercial and industrial$13,882 $— $8,687 $— 
Commercial real estate — owner occupied421 — 967 — 
Commercial real estate — investor943 4,266 12,866 3,093 
Real estate construction179 43 242 45 
Residential mortgage15,829 16,854 16,316 13,483 
Home equity2,246 1,009 2,648 806 
Other consumer753 — 803 — 
   Total restructured loans$34,253 $22,172 $42,530 $17,426 
(a) Nonaccrual restructured loans have been included within nonaccrual loans.
Summary of restructured loans The following table provides the number of loans modified in a TDR by loan portfolio, the recorded investment, and unpaid principal balance for the six months ended June 30, 2022 and 2021:
 Six Months Ended June 30, 2022Six Months Ended June 30, 2021
 ($ in Thousands)Number
of
Loans
Recorded
Investment(a)
Unpaid
Principal
Balance(b)
Number
of
Loans
Recorded
Investment(a)
Unpaid
Principal
Balance(b)
Commercial and industrial2 $275 $275 2 $128 $129 
Commercial real estate — investor1 $553 $573 4 $1,690 $1,690 
Residential mortgage35 8,149 8,315 37 7,424 7,450 
Home equity8 291 312 4 566 603 
   Total loans modified 46 $9,267 $9,474 47 $9,808 $9,871 
(a) Represents post-modification outstanding recorded investment.
(b) Represents pre-modification outstanding recorded investment.
Troubled debt restructurings subsequent redefault The following table provides the number of loans modified in a TDR during the previous twelve months which subsequently defaulted during the six months ended June 30, 2022 and 2021, and the recorded investment in these restructured loans as of June 30, 2022 and 2021:
 Six Months Ended June 30, 2022Six Months Ended June 30, 2021
 ($ in Thousands)Number of
Loans		Recorded
Investment		Number of
Loans		Recorded
Investment
Residential mortgage4 $1,178 1 $97 
Changes in the allowance for loan losses by portfolio segment The following table presents a summary of the changes in the ACLL by portfolio segment for the six months ended June 30, 2022:
($ in Thousands)Dec 31, 2021Charge offsRecoveriesNet Charge offsProvision for credit lossesJun 30, 2022ACLL / Loans
Allowance for loan losses
PPP$51 $— $— $— $(45)$6 
Asset-based lending & equipment finance4,182 — — — 450 4,632 
Commercial and industrial85,624 (1,895)3,305 1,410 5,018 92,052 
Commercial real estate — owner occupied11,473 — 7 7 (1,074)10,406 
Commercial and business lending101,330 (1,895)3,312 1,417 4,349 107,096 
Commercial real estate — investor72,803 — — — (8,412)64,391 
Real estate construction37,643 — 33 33 (1,537)36,139 
Commercial real estate lending110,446 — 33 33 (9,949)100,531 
Total commercial211,776 (1,895)3,346 1,450 (5,600)207,626 
Residential mortgage40,787 (138)646 508 (2,444)38,851 
Auto finance1,999 (60)49 (10)8,440 10,428 
Home equity14,011 (195)971 776 (1,496)13,291 
Other consumer11,441 (1,531)564 (967)100 10,574 
Total consumer68,239 (1,924)2,230 306 4,600 73,145 
Total loans$280,015 $(3,819)$5,576 $1,757 $(1,000)$280,771 
Allowance for unfunded commitments
Asset-based lending & equipment finance$857 $— $— $— $(124)$733 
Commercial and industrial17,601 — — — (2,949)14,652 
Commercial real estate — owner occupied208 — — — (94)114 
Commercial and business lending18,667 — — — (3,167)15,500 
Commercial real estate — investor936 — — — (287)649 
Real estate construction15,586 — — — 901 16,487 
Commercial real estate lending16,522 — — — 614 17,136 
Total commercial35,189 — — — (2,553)32,636 
Home equity2,592 — — — (150)2,441 
Other consumer1,995 — — — (296)1,698 
Total consumer4,587 — — — (447)4,140 
Total loans$39,776 $— $— $— $(3,000)$36,776 
Allowance for credit losses on loans
PPP$51 $— $— $— $(45)$6 0.06 %
Asset-based lending & equipment finance5,040 — — — 325 5,365 2.04 %
Commercial and industrial103,225 (1,895)3,305 1,410 2,069 106,704 1.19 %
Commercial real estate — owner occupied11,681 — 7 7 (1,167)10,520 1.13 %
Commercial and business lending119,997 (1,895)3,312 1,417 1,182 122,595 1.20 %
Commercial real estate — investor73,739 — — — (8,699)65,040 1.36 %
Real estate construction53,229 — 33 33 (636)52,627 2.96 %
Commercial real estate lending126,968 — 33 33 (9,335)117,667 1.79 %
Total commercial246,965 (1,895)3,346 1,450 (8,153)240,262 1.43 %
Residential mortgage40,787 (138)646 508 (2,444)38,851 0.49 %
Auto finance1,999 (60)49 (10)8,440 10,428 1.23 %
Home equity16,603 (195)971 776 (1,647)15,732 2.65 %
Other consumer13,436 (1,531)564 (967)(196)12,273 4.09 %
Total consumer72,825 (1,924)2,230 306 4,153 77,284 0.79 %
Total loans$319,791 $(3,819)$5,576 $1,757 $(4,000)$317,547 1.20 %
The following table presents a summary of the changes in the ACLL by portfolio segment for the year ended December 31, 2021:
($ in Thousands)Dec 31, 2020Charge offsRecoveriesNet Charge offsProvision for credit lossesDec 31, 2021ACLL / Loans
Allowance for loan losses
PPP$531 $— $— $— $(480)$51 
Asset-based lending2,077 — 412 412 1,693 4,182 
Commercial and industrial(a)
140,716 (21,564)8,152 (13,412)(41,680)85,624 
Commercial real estate — owner occupied11,274 — 120 120 80 11,473 
Commercial and business lending154,598 (21,564)8,684 (12,880)(40,388)101,330 
Commercial real estate — investor93,435 (14,346)3,162 (11,184)(9,448)72,803 
Real estate construction59,193 (5)126 121 (21,672)37,643 
Commercial real estate lending152,629 (14,351)3,288 (11,063)(31,120)110,446 
Total commercial307,226 (35,915)11,972 (23,943)(71,508)211,776 
Residential mortgage42,996 (880)841 (38)(2,170)40,787 
Auto finance174 (22)31 9 1,816 1,999 
Home equity18,849 (668)2,854 2,186 (7,024)14,011 
Other consumer14,456 (3,168)1,267 (1,901)(1,113)11,441 
Total consumer76,475 (4,738)4,993 256 (8,492)68,239 
Total loans$383,702 $(40,652)$16,965 $(23,687)$(80,000)$280,015 
Allowance for unfunded commitments
Asset-based lending$901 $— $— $— $(43)$857 
Commercial and industrial(a)
21,411 — — — (3,809)17,601 
Commercial real estate — owner occupied266 — — — (58)208 
Commercial and business lending22,577 — — — (3,911)18,667 
Commercial real estate — investor636 — — — 300 936 
Real estate construction18,887 — — — (3,301)15,586 
Commercial real estate lending19,523 — — — (3,001)16,522 
Total commercial42,101 — — — (6,912)35,189 
Home equity3,118 — — — (526)2,592 
Other consumer2,557 — — — (563)1,995 
Total consumer5,675 — — — (1,088)4,587 
Total loans$47,776 $— $— $— $(8,000)$39,776 
Allowance for credit losses on loans
PPP$531 $— $— $— $(480)$51 0.08 %
Asset-based lending2,978 — 412 412 1,649 5,040 2.83 %
Commercial and industrial(a)
162,126 (21,564)8,152 (13,412)(45,490)103,225 1.26 %
Commercial real estate — owner occupied11,539 — 120 120 22 11,681 1.20 %
Commercial and business lending177,175 (21,564)8,684 (12,880)(44,299)119,997 1.27 %
Commercial real estate — investor94,071 (14,346)3,162 (11,184)(9,148)73,739 1.68 %
Real estate construction78,080 (5)126 121 (24,972)53,229 2.94 %
Commercial real estate lending172,152 (14,351)3,288 (11,063)(34,121)126,968 2.05 %
Total commercial349,327 (35,915)11,972 (23,943)(78,419)246,965 1.58 %
Residential mortgage42,996 (880)841 (38)(2,170)40,787 0.54 %
Auto finance174 (22)31 9 1,816 1,999 1.40 %
Home equity21,967 (668)2,854 2,186 (7,550)16,603 2.79 %
Other consumer17,013 (3,168)1,267 (1,901)(1,676)13,436 4.45 %
Total consumer82,150 (4,738)4,993 256 (9,581)72,825 0.85 %
Total loans$431,478 $(40,652)$16,965 $(23,687)$(88,000)$319,791 1.32 %
(a) Includes equipment finance.