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Loans (Tables)
 12 Months Ended
Dec. 31, 2022
Receivables [Abstract]  
Loan composition The period end loan composition was as follows:
($ in Thousands)Dec 31, 2022Dec 31, 2021
Asset-based lending & equipment finance(a)
$458,887 $178,027 
Commercial and industrial9,300,567 8,274,358 
Commercial real estate - owner occupied991,722 971,326 
Commercial and business lending10,751,176 9,423,711 
Commercial real estate - investor5,080,344 4,384,569 
Real estate construction2,155,222 1,808,976 
Commercial real estate lending7,235,565 6,193,545 
Total commercial17,986,742 15,617,256 
Residential mortgage8,511,550 7,567,310 
Auto finance1,382,073 143,045 
Home equity624,353 595,615 
Other consumer294,851 301,723 
Total consumer10,812,828 8,607,693 
Total loans$28,799,569 $24,224,949 
(a) Dec 31, 2021 does not include equipment finance.
Loans to Related Parties The Corporation has granted loans to its directors, executive officers, or their related interests. These loans were made on substantially the same terms, including rates and collateral, as those prevailing at the time for comparable transactions with other unrelated customers, and do not involve more than a normal risk of collection. These loans to related parties are summarized below:
($ in Thousands)20222021
Balance at beginning of year$45,245 $29,420 
New loans2,656 24,218 
Repayments(1,416)(8,244)
Change due to status of executive officers and directors(43,110)(150)
Balance at end of year$3,376 $45,245 
Commercial and consumer loans by credit quality indicator The following table presents commercial and consumer loans by credit quality indicator by origination year at December 31, 2022:
Term Loans Amortized Cost Basis by Origination Year(a)
($ in Thousands)
Rev Loans Converted to Term(a)
Rev Loans Amortized Cost Basis20222021202020192018PriorTotal
Asset-based lending & equipment finance:
Risk rating:
Pass$— $47,446 $269,258 $121,914 $1,832 $653 $85 $— $441,189 
Potential Problem— — 1,448 — 16,250 — — — 17,698 
Asset-based lending & equipment finance$— $47,446 $270,706 $121,914 $18,082 $653 $85 $— $458,887 
Commercial and industrial:
Risk rating:
Pass$1,423 $1,891,331 $2,976,288 $2,245,094 $566,001 $572,467 $330,557 $432,906 $9,014,644 
Special Mention— 93,209 3,411 23,607 — — 19 32,497 152,744 
Potential Problem447 24,549 39,952 4,193 5,637 38,169 218 6,133 118,851 
Nonaccrual3,926 — 5,210 — 9,119 — — — 14,329 
Commercial and industrial$5,796 $2,009,089 $3,024,861 $2,272,895 $580,757 $610,636 $330,794 $471,535 $9,300,567 
Commercial real estate - owner occupied:
Risk rating:
Pass$— $12,447 $211,645 $225,627 $163,965 $160,370 $73,487 $97,420 $944,961 
Special Mention— — — — 1,136 1,491 9,713 — 12,339 
Potential Problem— 1,325 1,238 11,141 5,523 10,769 370 4,055 34,422 
Commercial real estate - owner occupied$— $13,772 $212,883 $236,769 $170,624 $172,630 $83,570 $101,475 $991,722 
Commercial and business lending:
Risk rating:
Pass$1,423 $1,951,224 $3,457,191 $2,592,636 $731,798 $733,490 $404,129 $530,326 $10,400,794 
Special Mention— 93,209 3,411 23,607 1,136 1,491 9,732 32,497 165,083 
Potential Problem447 25,874 42,638 15,335 27,410 48,938 589 10,188 170,971 
Nonaccrual3,926 — 5,210 — 9,119 — — — 14,329 
Commercial and business lending$5,796 $2,070,307 $3,508,450 $2,631,578 $769,463 $783,919 $414,449 $573,010 $10,751,176 
Commercial real estate - investor:
Risk rating:
Pass$38,412 $106,280 $1,633,094 $1,419,000 $683,121 $530,444 $262,858 $210,299 $4,845,096 
Special Mention— — 61,968 24,149 7,361 9,400 — 10,455 113,333 
Potential Problem— — 16,147 21,303 27,635 1,333 19,017 7,099 92,535 
Nonaccrual— — 2,177 25,668 — — — 1,535 29,380 
Commercial real estate - investor$38,412 $106,280 $1,713,387 $1,490,120 $718,117 $541,177 $281,875 $229,387 $5,080,344 
Real estate construction:
Risk rating:
Pass$— $29,892 $900,593 $913,107 $241,230 $12,062 $2,226 $9,775 $2,108,885 
Special Mention— — — — 12,174 33,087 — — 45,261 
Potential Problem— — — — 970 — — — 970 
Nonaccrual— — — — — — — 105 105 
Real estate construction$— $29,892 $900,593 $913,107 $254,374 $45,149 $2,226 $9,880 $2,155,222 
Commercial real estate lending:
Risk rating:
Pass$38,412 $136,173 $2,533,687 $2,332,107 $924,351 $542,505 $265,083 $220,073 $6,953,981 
Special Mention— — 61,968 24,149 19,535 42,487 — 10,455 158,595 
Potential Problem— — 16,147 21,303 28,605 1,333 19,017 7,099 93,505 
Nonaccrual— — 2,177 25,668 — — — 1,640 29,485 
Commercial real estate lending$38,412 $136,173 $2,613,980 $2,403,227 $972,492 $586,326 $284,101 $239,267 $7,235,565 
Total commercial:
Risk rating:
Pass$39,835 $2,087,396 $5,990,879 $4,924,743 $1,656,149 $1,275,996 $669,213 $750,399 $17,354,774 
Special Mention— 93,209 65,379 47,756 20,671 43,978 9,732 42,952 323,677 
Potential Problem447 25,874 58,785 36,638 56,016 50,271 19,606 17,287 264,476 
Nonaccrual3,926 — 7,387 25,668 9,119 — — 1,640 43,814 
Total commercial$44,208 $2,206,480 $6,122,430 $5,034,805 $1,741,955 $1,370,245 $698,550 $812,278 $17,986,742 
Term Loans Amortized Cost Basis by Origination Year(a)
($ in Thousands)
Rev Loans Converted to Term(a)
Rev Loans Amortized Cost Basis20222021202020192018PriorTotal
Residential mortgage:
Risk rating:
Pass$— $— $1,410,566 $2,184,125 $1,716,663 $817,164 $370,724 $1,951,406 $8,450,648 
Special Mention— — — 284 96 — — 63 444 
Potential Problem— — 455 71 — 738 29 685 1,978 
Nonaccrual— — 8,506 3,851 6,219 3,744 5,014 31,145 58,480 
Residential mortgage$— $— $1,419,527 $2,188,332 $1,722,979 $821,645 $375,768 $1,983,299 $8,511,550 
Auto finance:
Risk rating:
Pass$— $— $1,271,205 $106,102 $333 $1,267 $446 $61 $1,379,414 
Special Mention— — 1,052 118 — — — — 1,170 
Nonaccrual— — 1,149 331 — 9 — — 1,490 
Auto finance$— $— $1,273,406 $106,551 $333 $1,276 $446 $61 $1,382,073 
Home equity:
Risk rating:
Pass$7,254 $508,212 $31,389 $6,508 $2,112 $6,197 $6,966 $54,827 $616,211 
Special Mention47 102 — — — — 47 310 458 
Potential Problem— 15 — — — 34 2 146 197 
Nonaccrual1,590 — 306 102 131 307 319 6,322 7,487 
Home equity$8,891 $508,329 $31,695 $6,610 $2,243 $6,538 $7,333 $61,605 $624,353 
Other consumer:
Risk rating:
Pass$64 $199,942 $7,429 $5,256 $2,468 $1,238 $174 $77,611 $294,117 
Special Mention6 490 11 — 5 5 — 25 537 
Nonaccrual78 56 11 21 10 56 10 34 197 
Other consumer$147 $200,488 $7,452 $5,276 $2,482 $1,300 $184 $77,670 $294,851 
Total consumer:
Risk rating:
Pass$7,318 $708,154 $2,720,589 $2,301,991 $1,721,576 $825,866 $378,310 $2,083,904 $10,740,390 
Special Mention52 592 1,063 403 101 5 47 398 2,609 
Potential Problem— 15 455 71 — 772 31 831 2,175 
Nonaccrual1,668 56 9,973 4,304 6,360 4,116 5,343 37,501 67,654 
Total consumer$9,038 $708,817 $2,732,080 $2,306,769 $1,728,037 $830,759 $383,731 $2,122,635 $10,812,828 
Total loans:
Risk rating:
Pass$47,152 $2,795,551 $8,711,468 $7,226,734 $3,377,725 $2,101,861 $1,047,522 $2,834,303 $28,095,164 
Special Mention52 93,801 66,443 48,159 20,772 43,983 9,778 43,350 326,286 
Potential Problem447 25,889 59,240 36,709 56,016 51,043 19,637 18,118 266,651 
Nonaccrual5,595 56 17,360 29,972 15,479 4,116 5,343 39,141 111,467 
Total loans$53,246 $2,915,297 $8,854,510 $7,341,574 $3,469,992 $2,201,004 $1,082,280 $2,934,912 $28,799,569 
(a) Revolving loans converted to term loans are those converted during the reporting period and are also reported in their year of origination.
The following table presents commercial and consumer loans by credit quality indicator by origination year at December 31, 2021:
Term Loans Amortized Cost Basis by Origination Year(a)
($ in Thousands)
Rev Loans Converted to Term(a)
Rev Loans Amortized Cost Basis20212020201920182017PriorTotal
Commercial and industrial:(b)
Risk rating:
Pass$2,084 $2,371,605 $2,676,674 $871,368 $986,300 $710,491 $177,568 $493,876 $8,287,882 
Special Mention— 7,068 6,112 1,976 — — — 2,811 17,967 
Potential Problem2,706 26,387 25,415 19,960 46,296 20,924 104 1,172 140,258 
Nonaccrual76 — 5,996 207 52 24 — — 6,279 
Commercial and industrial$4,867 $2,405,059 $2,714,198 $893,511 $1,032,647 $731,439 $177,671 $497,860 $8,452,385 
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 
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 $15,617,256 
Term Loans Amortized Cost Basis by Origination Year(a)
($ in Thousands)
Rev Loans Converted to Term(a)
Rev Loans Amortized Cost Basis20212020201920182017PriorTotal
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 $24,224,949 
(a) Revolving loans converted to term loans are those reported during the reporting period and are also reported in their year of origination.
(b) Includes asset-based lending and equipment finance.
Summarized details of Loans by past due status
The following table presents loans by past due status at December 31, 2022:
Accruing
($ in Thousands)Current30-59 Days
Past Due		60-89 Days
Past Due		90+ Days
Past Due
Nonaccrual(a)(b)
Total
Asset-based lending & equipment finance$458,887 $— $— $— $— $458,887 
Commercial and industrial9,279,674 716 5,566 282 14,329 9,300,567 
Commercial real estate - owner occupied991,493 218 12 — — 991,722 
Commercial and business lending10,730,053 934 5,578 282 14,329 10,751,176 
Commercial real estate - investor5,049,897 1,067 — — 29,380 5,080,344 
Real estate construction2,155,077 39 — — 105 2,155,222 
Commercial real estate lending7,204,975 1,105 — — 29,485 7,235,565 
Total commercial17,935,028 2,040 5,578 282 43,814 17,986,742 
Residential mortgage8,443,072 9,811 63 124 58,480 8,511,550 
Auto finance1,371,176 8,238 1,170 — 1,490 1,382,073 
Home equity611,259 5,149 458 — 7,487 624,353 
Other consumer291,722 1,018 592 1,322 197 294,851 
Total consumer10,717,229 24,216 2,283 1,446 67,654 10,812,828 
Total loans$28,652,257 $26,256 $7,861 $1,728 $111,467 $28,799,569 
(a) Of the total nonaccrual loans, $64 million, or 58%, were current with respect to payment at December 31, 2022.
(b) No interest income was recognized on nonaccrual loans for the year ended December 31, 2022. In addition, there were $11 million of nonaccrual loans for which there was no related ACLL at December 31, 2022.
The following table presents loans by past due status at December 31, 2021:
Accruing
($ in Thousands)Current30-59 Days
Past Due		60-89 Days
Past Due		90+ Days
Past Due
Nonaccrual(a)(b)
Total
Asset-based lending$178,027 $— $— $— $— $178,027 
Commercial and industrial(c)
8,267,213 619 97 151 6,279 8,274,358 
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 $9 million of nonaccrual loans for which there was no related ACLL at December 31, 2021.
(c) Includes equipment finance.
Nonaccrual and performing restructured loans
The following table presents nonaccrual and performing restructured loans by loan portfolio:
 December 31, 2022December 31, 2021December 31, 2020
($ in Thousands)Performing
Restructured
Loans
Nonaccrual
Restructured
Loans(a)
Performing
Restructured
Loans
Nonaccrual
Restructured
Loans(a)
Performing
Restructured
Loans
Nonaccrual
Restructured
Loans(a)
Commercial and industrial$12,453 $— $8,687 $— $12,713 $6,967 
Commercial real estate - owner occupied316 — 967 — 1,711 — 
Commercial real estate - investor128 2,074 12,866 3,093 26,435 225 
Real estate construction195 9 242 45 260 111 
Residential mortgage16,829 17,117 16,316 13,483 7,825 11,509 
Home equity2,148 927 2,648 806 1,957 1,379 
Other consumer798 — 803 — 1,191 — 
   Total restructured loans$32,868 $20,127 $42,530 $17,426 $52,092 $20,190 
(a) Nonaccrual restructured loans have been included within nonaccrual loans.
Summary of restructured loans
The following table provides the number of loans modified in a TDR by loan portfolio, the recorded investment, and unpaid principal balance:
Years Ended December 31,
 202220212020
($ in Thousands)Number
of
Loans
Recorded
Investment(a)
Unpaid
Principal
Balance(b)
Number
of
Loans
Recorded
Investment(a)
Unpaid
Principal
Balance(b)
Number
of
Loans
Recorded
Investment(a)
Unpaid
Principal
Balance(b)
Commercial and industrial2 $281 $281 4 $610 $610 7 $1,823 $2,059 
Commercial real estate - owner occupied— — — — — — 4 658 689 
Commercial real estate - investor— — — 6 4,259 10,166 10 26,563 26,567 
Residential mortgage55 10,557 10,777 69 12,415 12,463 36 6,031 6,113 
Home equity15 531 557 9 932 963 20 1,078 1,697 
   Total loans modified72 $11,370 $11,616 88 $18,216 $24,201 77 $36,154 $37,125 
(a) Represents post-modification outstanding recorded investment.
(b) Represents pre-modification outstanding recorded investment.
Troubled debt restructurings subsequent redefault The following table provides the number of loans modified in a TDR during the previous twelve months which subsequently defaulted during the years ended December 31, 2022, 2021, and 2020, respectively, and the recorded investment in these restructured loans at the time of default as of December 31, 2022, 2021, and 2020, respectively:
Years Ended December 31,
 202220212020
($ in Thousands)Number of
Loans		Recorded
Investment		Number of
Loans		Recorded
Investment		Number of
Loans		Recorded
Investment
Commercial real estate — investor— $— 1 $164 — $— 
Residential mortgage4 1,178 11 1,171 5 1,036 
Home equity— — — — 4 208 
   Total loans modified4 $1,178 12 $1,334 9 $1,244 
Changes in the allowance for credit losses by portfolio segment The following table presents a summary of the changes in the ACLL by portfolio segment for the year ended December 31, 2022:
($ in Thousands)Dec 31, 2021Charge offsRecoveriesNet Charge offsProvision for credit lossesDec 31, 2022ACLL / Loans
Allowance for loan losses
Asset-based lending & equipment finance$4,182 $— $— $— $2,382 $6,564 
Commercial and industrial85,675 (4,491)5,282 791 26,047 112,512 
Commercial real estate — owner occupied11,473 — 13 13 (2,011)9,475 
Commercial and business lending101,330 (4,491)5,295 804 26,418 128,551 
Commercial real estate — investor72,803 (50)50 — (18,405)54,398 
Real estate construction37,643 (48)106 58 7,887 45,589 
Commercial real estate lending110,446 (98)156 58 (10,518)99,986 
Total commercial211,776 (4,588)5,451 862 15,900 228,538 
Residential mortgage40,787 (567)908 341 (2,830)38,298 
Auto finance1,999 (1,041)98 (943)18,563 19,619 
Home equity14,011 (587)1,385 798 66 14,875 
Other consumer11,441 (3,363)1,010 (2,353)2,301 11,390 
Total consumer68,239 (5,558)3,401 (2,157)18,100 84,182 
Total loans$280,015 $(10,146)$8,852 $(1,294)$34,000 $312,720 
Allowance for unfunded commitments
Asset-based lending & equipment finance$857 $— $— $— $(256)$601 
Commercial and industrial17,601 — — — (5,205)12,396 
Commercial real estate — owner occupied208 — — — (105)103 
Commercial and business lending18,667 — — — (5,566)13,101 
Commercial real estate — investor936 — — — (226)710 
Real estate construction15,586 — — — 4,997 20,583 
Commercial real estate lending16,522 — — — 4,770 21,292 
Total commercial35,189 — — — (796)34,393 
Home equity2,592 — — — 107 2,699 
Other consumer1,995 — — — (311)1,683 
Total consumer4,587 — — — (204)4,382 
Total loans$39,776 $— $— $— $(1,000)$38,776 
Allowance for credit losses on loans
Asset-based lending & equipment finance$5,040 $— $— $— $2,125 $7,165 1.56 %
Commercial and industrial103,276 (4,491)5,282 791 20,842 124,908 1.34 %
Commercial real estate — owner occupied11,681 — 13 13 (2,115)9,579 0.97 %
Commercial and business lending119,997 (4,491)5,295 804 20,852 141,652 1.32 %
Commercial real estate — investor73,739 (50)50 — (18,631)55,108 1.08 %
Real estate construction53,229 (48)106 58 12,884 66,171 3.07 %
Commercial real estate lending126,968 (98)156 58 (5,748)121,279 1.68 %
Total commercial246,965 (4,588)5,451 862 15,104 262,931 1.46 %
Residential mortgage40,787 (567)908 341 (2,830)38,298 0.45 %
Auto finance1,999 (1,041)98 (943)18,563 19,619 1.42 %
Home equity16,603 (587)1,385 798 173 17,574 2.81 %
Other consumer13,436 (3,363)1,010 (2,353)1,990 13,073 4.43 %
Total consumer72,825 (5,558)3,401 (2,157)17,896 88,565 0.82 %
Total loans$319,791 $(10,146)$8,852 $(1,294)$33,000 $351,496 1.22 %
The following table presents a summary of the changes in the ACLL by portfolio segment for the year ended December 31, 2021:
($ in Thousands)Dec 31, 2020Charge offsRecoveriesNet Charge offsProvision for credit lossesDec 31, 2021ACLL / Loans
Allowance for loan losses
Asset-based lending$2,077 $— $412 $412 $1,693 $4,182 
Commercial and industrial(a)
141,247 (21,564)8,152 (13,412)(42,160)85,675 
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
Asset-based lending$2,978 $— $412 $412 $1,649 $5,040 2.83 %
Commercial and industrial(a)
162,657 (21,564)8,152 (13,412)(45,970)103,276 1.25 %
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