LOANS AND ALLOWANCE FOR LOAN LOSSES (Tables)

3 Months Ended

Mar. 31, 2021

Accounts, Notes, Loans and Financing Receivable [Line Items]

Loans Stated at Face Amount, Net of Unearned Income

The Company’s loans are stated at their face amount, net of deferred fees and costs, and consist of the following at March 31, 2021 and December 31, 2020 (dollars in thousands):

	March 31, 2021		December 31, 2020
Construction and Land Development	$	884,303	$	925,798
Commercial Real Estate - Owner Occupied		2,083,155		2,128,909
Commercial Real Estate - Non-Owner Occupied		3,671,471		3,657,562
Multifamily Real Estate		842,906		814,745
Commercial & Industrial(1)		3,599,884		3,263,460
Residential 1-4 Family - Commercial		658,051		671,949
Residential 1-4 Family - Consumer		816,916		822,866
Residential 1-4 Family - Revolving		563,786		596,996
Auto		406,349		401,324
Consumer		215,711		247,730
Other Commercial(2)		529,748		489,975
Total loans held for investment, net of deferred fees and costs(3)		14,272,280		14,021,314
Allowance for loan and lease losses		(142,911)		(160,540)
Total loans held for investment, net	$	14,129,369	$	13,860,774

⁽¹⁾ Commercial & industrial loans include approximately $1.5 billion and $1.2 billion in loans from the PPP at March 31, 2021 and December 31, 2020, respectively.

.

⁽²⁾ Other commercial loans include approximately $20.2 million and $11.3 million in loans from the PPP at March 31, 2021 and December 31, 2020, respectively.

⁽³⁾ Total loans include unamortized premiums and discounts, and unamortized deferred fees and costs totaling $83.8 million and $69.7 million as of March 31, 2021 and December 31, 2020, respectively.

Summary of Aging of the Loan Portfolio by Class

The following table shows the aging of the Company’s loan portfolio, by class, at March 31, 2021 (dollars in thousands):

										Greater than
				30-59 Days			60-89 Days			90 Days and
	Current			Past Due			Past Due			still Accruing			Nonaccrual			Total Loans
Construction and Land Development	$	880,139		$	865		$	473		$	189		$	2,637		$	884,303
Commercial Real Estate - Owner Occupied		2,069,019			3,426			514			3,180			7,016			2,083,155
Commercial Real Estate - Non-Owner Occupied		3,666,228			1,055			1,413			817			1,958			3,671,471
Multifamily Real Estate		842,638			187			81			—			—			842,906
Commercial & Industrial		3,593,508			3,086			613			654			2,023			3,599,884
Residential 1-4 Family - Commercial		645,684			1,803			798			576			9,190			658,051
Residential 1-4 Family - Consumer		791,466			6,831			808			3,041			14,770			816,916
Residential 1-4 Family - Revolving		557,335			1,397			284			917			3,853			563,786
Auto		404,692			1,035			165			154			303			406,349
Consumer		214,438			595			314			248			116			215,711
Other Commercial		529,253			407			88			—			—			529,748
Total loans held for investment	$	14,194,400		$	20,687		$	5,551		$	9,776		$	41,866		$	14,272,280
% of total loans		99.45	%		0.15	%		0.04	%		0.07	%		0.29	%		100.00	%

The following table shows the aging of the Company’s loan portfolio, by class, at December 31, 2020 (dollars in thousands):

										Greater than
				30-59 Days			60-89 Days			90 Days and
	Current			Past Due			Past Due			still Accruing			Nonaccrual			Total Loans
Construction and Land Development	$	920,276		$	1,903		$	547		$	—		$	3,072		$	925,798
Commercial Real Estate - Owner Occupied		2,114,804			1,870			1,380			3,727			7,128			2,128,909
Commercial Real Estate - Non-Owner Occupied		3,651,232			2,144			1,721			148			2,317			3,657,562
Multifamily Real Estate		814,095			617			—			—			33			814,745
Commercial & Industrial		3,257,201			1,848			1,190			1,114			2,107			3,263,460
Residential 1-4 Family - Commercial		657,351			2,227			818			1,560			9,993			671,949
Residential 1-4 Family - Consumer		792,852			10,182			1,533			5,699			12,600			822,866
Residential 1-4 Family - Revolving		587,522			2,975			1,044			826			4,629			596,996
Auto		398,206			2,076			376			166			500			401,324
Consumer		245,551			1,166			550			394			69			247,730
Other Commercial		489,959			16			—			—			—			489,975
Total loans held for investment	$	13,929,049		$	27,024		$	9,159		$	13,634		$	42,448		$	14,021,314
% of total loans		99.34	%		0.19	%		0.07	%		0.10	%		0.30	%		100.00	%

Summary of Loans on Nonaccrual Status

The following table shows the Company’s amortized cost basis of loans on nonaccrual status as of January 1, 2021, as well as amortized cost basis of loans on nonaccrual status and loans past due 90 days and still accruing as of March 31, 2021 (dollars in thousands):

	Nonaccrual
	January 1, 2021		March 31, 2021		Nonaccrual With No ALLL		90 Days and still Accruing
Construction and Land Development	$	3,072	$	2,637	$	1,985	$	189
Commercial Real Estate - Owner Occupied		7,128		7,016		1,994		3,180
Commercial Real Estate - Non-Owner Occupied		2,317		1,958		—		817
Multifamily Real Estate		33		—		—		—
Commercial & Industrial		2,107		2,023		1		654
Residential 1-4 Family - Commercial		9,993		9,190		6,388		576
Residential 1-4 Family - Consumer		12,600		14,770		2,364		3,041
Residential 1-4 Family - Revolving		4,629		3,853		60		917
Auto		500		303		—		154
Consumer		69		116		—		248
Total loans held for investment	$	42,448	$	41,866	$	12,792	$	9,776

The following table shows the Company’s amortized cost basis of loans on nonaccrual status as of January 1, 2020, as well as amortized cost basis of loans on nonaccrual status and loans past due 90 days and still accruing as of December 31, 2020 (dollars in thousands):

	Nonaccrual
	January 1, 2020		December 31, 2020		Nonaccrual With No ALLL		90 Days and still Accruing
Construction and Land Development	$	4,060	$	3,072	$	1,985	$	—
Commercial Real Estate - Owner Occupied		13,889		7,128		1,994		3,727
Commercial Real Estate - Non-Owner Occupied		1,368		2,317		—		148
Multifamily Real Estate		—		33		—		—
Commercial & Industrial		3,037		2,107		1		1,114
Residential 1-4 Family - Commercial		6,492		9,993		6,388		1,560
Residential 1-4 Family - Consumer		13,117		12,600		1,069		5,699
Residential 1-4 Family - Revolving		2,490		4,629		60		826
Auto		565		500		—		166
Consumer		88		69		—		394
Other Commercial		98		—		—		—
Total loans held for investment	$	45,204	$	42,448	$	11,497	$	13,634

Summary of Modified Loans that Continue to Accrue Interest Under the Terms of Restructuring Agreement

The following table provides a summary, by class, of TDRs that continue to accrue interest under the terms of the applicable restructuring agreement, which are considered to be performing, and TDRs that have been placed on nonaccrual status, which are considered to be nonperforming, as of March 31, 2021 and December 31, 2020 (dollars in thousands):

	March 31, 2021					December 31, 2020
	No. of	Recorded		Outstanding		No. of	Recorded		Outstanding
	Loans	Investment		Commitment		Loans	Investment		Commitment
Performing
Construction and Land Development	4	$	212	$	—	4	$	215	$	—
Commercial Real Estate - Owner Occupied	5		1,827		—	6		2,033		176
Commercial Real Estate - Non-Owner Occupied	1		1,089		—	1		1,089		—
Commercial & Industrial	2		446		—	4		727		—
Residential 1-4 Family - Commercial	2		109		—	3		245		—
Residential 1-4 Family - Consumer	84		9,271		—	77		8,943		—
Residential 1-4 Family - Revolving	3		274		3	3		277		—
Consumer	4		35		—	3		22		—
Other Commercial	1		407		—	1		410		—
Total performing	106	$	13,670	$	3	102	$	13,961	$	176
Nonperforming
Commercial Real Estate - Owner Occupied	1	$	19	$	—	1	$	20	$	—
Commercial Real Estate - Non-Owner Occupied	1		128		—	1		134		—
Commercial & Industrial	4		427		—	3		237		—
Residential 1-4 Family - Commercial	3		404		—	4		1,296		—
Residential 1-4 Family - Consumer	26		4,977		—	23		4,865		—
Residential 1-4 Family - Revolving	3		103		—	3		103		—
Total nonperforming	38	$	6,058	$	—	35	$	6,655	$	—
Total performing and nonperforming	144	$	19,728	$	3	137	$	20,616	$	176

Schedule of TDR by Class and Modification Type

The following table shows, by class and modification type, TDRs that occurred during the three months ended March 31, 2021 and 2020 (dollars in thousands):

	Three Months Ended March 31, 2021			Three Months Ended March 31, 2020
		Recorded			Recorded
	No. of	Investment at		No. of	Investment at
	Loans	Period End		Loans	Period End
Modified to interest only, at a market rate
Total interest only at market rate of interest	—	$	—	—	$	—
Term modification, at a market rate
Commercial & Industrial	—	$	—	1	$	517
Residential 1-4 Family - Consumer	2		105	—		—
Total loan term extended at a market rate	2	$	105	1	$	517
Term modification, below market rate
Construction and Land Development	—	$	—	1	$	35
Residential 1-4 Family - Consumer	9		472	10		1,763
Consumer	1		16	—		—
Total loan term extended at a below market rate	10	$	488	11	$	1,798
Interest rate modification, below market rate
Residential 1-4 Family - Commercial	1	$	45	—	$	—
Total interest only at below market rate of interest	1	$	45	—	$	—
Total	13	$	638	12	$	2,315

Allowance for Loan Loss Activity, by Portfolio Segment, Balances for Allowance for Credit Losses, and Loans Based on Impairment Methodology

The following tables show the ALLL activity by segment for the three months ended March 31, 2021 and 2020 (dollars in thousands):

	Three Months Ended March 31, 2021
	Commercial		Consumer		Total
Balance at beginning of period	$	117,403	$	43,137	$	160,540
Loans charged-off		(1,974)		(1,667)		(3,641)
Recoveries credited to allowance		1,606		863		2,469
Provision charged to operations		(10,603)		(5,854)		(16,457)
Balance at end of period	$	106,432	$	36,479	$	142,911

	Three Months Ended March 31, 2020
	Commercial		Consumer		Total
Balance at beginning of period	$	30,941	$	11,353	$	42,294
Impact of ASC 326 adoption on non-PCD loans		4,432		40,666		45,098
Impact of ASC 326 adoption on PCD loans		1,752		634		2,386
Impact of adopting ASC 326		6,184		41,300		47,484
Loans charged-off		(2,968)		(4,183)		(7,151)
Recoveries credited to allowance		1,154		1,006		2,160
Provision charged to operations		42,532		13,724		56,256
Balance at end of period	$	77,843	$	63,200	$	141,043

Commercial Portfolio

Accounts, Notes, Loans and Financing Receivable [Line Items]

Loans Receivables Related Risk Rating

The table below details the amortized cost of the classes of loans within the Commercial segment by risk level and year of origination as of March 31, 2021 (dollars in thousands):

		March 31, 2021
		Term Loans Amortized Cost Basis by Origination Year
	2021		2020		2019		2018		2017		Prior		Revolving Loans		Total
Construction and Land Development
Pass	$	61,584	$	340,066	$	215,340	$	77,960	$	22,165	$	65,264	$	26,117	$	808,496
Watch		13		2,486		23,950		1,834		571		5,521		412		34,787
Special Mention		—		—		5,635		135		—		1,062		—		6,832
Substandard		—		—		—		28,395		8		5,785		—		34,188
Total Construction and Land Development	$	61,597	$	342,552	$	244,925	$	108,324	$	22,744	$	77,632	$	26,529	$	884,303
Commercial Real Estate - Owner Occupied
Pass	$	34,001	$	273,173	$	346,684	$	285,739	$	216,109	$	664,203	$	17,023	$	1,836,932
Watch		—		15,073		16,771		23,606		15,970		66,770		932		139,122
Special Mention		—		974		27,269		5,393		4,909		36,050		1,841		76,436
Substandard		—		—		4,950		5,060		158		20,497		—		30,665
Total Commercial Real Estate - Owner Occupied	$	34,001	$	289,220	$	395,674	$	319,798	$	237,146	$	787,520	$	19,796	$	2,083,155
Commercial Real Estate - Non-Owner Occupied
Pass	$	113,841	$	381,511	$	429,913	$	401,006	$	395,726	$	1,183,233	$	35,333	$	2,940,563
Watch		—		17,458		160,682		81,003		40,014		231,751		15,291		546,199
Special Mention		—		698		23,529		30,489		31,998		65,303		723		152,740
Substandard		—		10,991		—		13,263		—		7,715		—		31,969
Total Commercial Real Estate - Non-Owner Occupied	$	113,841	$	410,658	$	614,124	$	525,761	$	467,738	$	1,488,002	$	51,347	$	3,671,471
Commercial & Industrial
Pass	$	587,238	$	1,519,813	$	334,830	$	199,114	$	59,668	$	196,093	$	564,292	$	3,461,048
Watch		23		13,018		25,346		14,560		2,559		6,048		17,433		78,987
Special Mention		15,235		1,260		6,396		3,669		4,630		1,731		11,265		44,186
Substandard		—		527		4,942		1,278		303		2,865		5,748		15,663
Total Commercial & Industrial	$	602,496	$	1,534,618	$	371,514	$	218,621	$	67,160	$	206,737	$	598,738	$	3,599,884
Multifamily Real Estate
Pass	$	8,219	$	143,295	$	114,224	$	166,220	$	102,337	$	269,062	$	2,927	$	806,284
Watch		—		—		4,398		471		—		24,243		—		29,112
Special Mention		—		2,280		640		4,383		—		94		—		7,397
Substandard		—		—		—		—		—		113		—		113
Total Multifamily Real Estate	$	8,219	$	145,575	$	119,262	$	171,074	$	102,337	$	293,512	$	2,927	$	842,906
Residential 1-4 Family - Commercial
Pass	$	20,945	$	106,176	$	82,343	$	62,283	$	74,998	$	254,905	$	2,294	$	603,944
Watch		—		659		3,898		8,013		3,916		13,632		193		30,311
Special Mention		165		—		2,744		456		444		6,007		—		9,816
Substandard		—		—		773		5,433		1,444		5,842		488		13,980
Total Residential 1-4 Family - Commercial	$	21,110	$	106,835	$	89,758	$	76,185	$	80,802	$	280,386	$	2,975	$	658,051
Other Commercial
Pass	$	50,013	$	216,949	$	111,954	$	8,870	$	30,297	$	57,341	$	21,903	$	497,327
Watch		—		—		—		605		1,286		3,835		—		5,726
Special Mention		—		—		—		—		5		612		26,078		26,695
Total Other Commercial	$	50,013	$	216,949	$	111,954	$	9,475	$	31,588	$	61,788	$	47,981	$	529,748
Total Commercial
Pass	$	875,841	$	2,980,983	$	1,635,288	$	1,201,192	$	901,300	$	2,690,101	$	669,889	$	10,954,594
Watch		36		48,694		235,045		130,092		64,316		351,800		34,261		864,244
Special Mention		15,400		5,212		66,213		44,525		41,986		110,859		39,907		324,102
Substandard		—		11,518		10,665		53,429		1,913		42,817		6,236		126,578
Total Commercial	$	891,277	$	3,046,407	$	1,947,211	$	1,429,238	$	1,009,515	$	3,195,577	$	750,293	$	12,269,518

The table below details the amortized cost of the classes of loans within the Commercial segment by risk level and year of origination as of December 31, 2020 (dollars in thousands):

		December 31, 2020
		Term Loans Amortized Cost Basis by Origination Year
	2020		2019		2018		2017		2016		Prior		Revolving Loans		Total
Construction and Land Development
Pass	$	316,585	$	277,142	$	116,800	$	24,770	$	42,970	$	54,023	$	23,324	$	855,614
Watch		1,873		18,181		8,434		344		2,355		6,372		412		37,971
Special Mention		—		5,532		135		—		—		2,655		—		8,322
Substandard		—		—		17,780		64		2,037		4,010		—		23,891
Total Construction and Land Development	$	318,458	$	300,855	$	143,149	$	25,178	$	47,362	$	67,060	$	23,736	$	925,798
Commercial Real Estate - Owner Occupied
Pass	$	286,522	$	375,541	$	300,583	$	233,359	$	128,261	$	570,361	$	18,838	$	1,913,465
Watch		1,942		14,611		22,224		15,623		24,979		41,361		1,648		122,388
Special Mention		988		6,052		5,749		4,198		9,907		30,455		1,121		58,470
Substandard		—		4,858		5,159		914		1,555		21,101		999		34,586
Total Commercial Real Estate - Owner Occupied	$	289,452	$	401,062	$	333,715	$	254,094	$	164,702	$	663,278	$	22,606	$	2,128,909
Commercial Real Estate - Non-Owner Occupied
Pass	$	381,849	$	455,427	$	433,183	$	403,677	$	336,630	$	850,035	$	30,421	$	2,891,222
Watch		28,354		142,279		76,838		59,451		79,533		224,944		16,870		628,269
Special Mention		702		11,072		34,905		18,073		40,771		11,211		723		117,457
Substandard		246		—		13,357		—		25		6,986		—		20,614
Total Commercial Real Estate - Non-Owner Occupied	$	411,151	$	608,778	$	558,283	$	481,201	$	456,959	$	1,093,176	$	48,014	$	3,657,562
Commercial & Industrial
Pass	$	1,730,876	$	350,618	$	199,489	$	67,035	$	71,799	$	140,461	$	590,701	$	3,150,979
Watch		4,872		32,028		13,073		6,500		3,182		4,906		19,972		84,533
Special Mention		1,009		2,178		3,890		1,150		724		1,234		4,755		14,940
Substandard		534		4,269		1,274		309		560		2,676		3,386		13,008
Total Commercial & Industrial	$	1,737,291	$	389,093	$	217,726	$	74,994	$	76,265	$	149,277	$	618,814	$	3,263,460
Multifamily Real Estate
Pass	$	144,805	$	85,740	$	150,724	$	117,881	$	67,984	$	231,113	$	2,311	$	800,558
Watch		—		5,074		475		—		617		560		—		6,726
Special Mention		2,280		—		4,388		—		—		760		—		7,428
Substandard		—		—		—		—		—		33		—		33
Total Multifamily Real Estate	$	147,085	$	90,814	$	155,587	$	117,881	$	68,601	$	232,466	$	2,311	$	814,745
Residential 1-4 Family - Commercial
Pass	$	104,630	$	89,332	$	70,310	$	79,156	$	68,915	$	201,492	$	2,236	$	616,071
Watch		666		6,665		8,252		4,141		4,067		9,307		195		33,293
Special Mention		—		—		601		663		468		5,923		—		7,655
Substandard		644		793		4,913		1,995		986		5,111		488		14,930
Total Residential 1-4 Family - Commercial	$	105,940	$	96,790	$	84,076	$	85,955	$	74,436	$	221,833	$	2,919	$	671,949
Other Commercial
Pass	$	223,490	$	112,045	$	9,549	$	30,314	$	16,494	$	42,158	$	44,180	$	478,230
Watch		—		—		613		1,299		1,189		3,934		—		7,035
Special Mention		10		—		—		7		—		4,591		102		4,710
Total Other Commercial	$	223,500	$	112,045	$	10,162	$	31,620	$	17,683	$	50,683	$	44,282	$	489,975
Total Commercial
Pass	$	3,188,757	$	1,745,845	$	1,280,638	$	956,192	$	733,053	$	2,089,643	$	712,011	$	10,706,139
Watch		37,707		218,838		129,909		87,358		115,922		291,384		39,097		920,215
Special Mention		4,989		24,834		49,668		24,091		51,870		56,829		6,701		218,982
Substandard		1,424		9,920		42,483		3,282		5,163		39,917		4,873		107,062
Total Commercial	$	3,232,877	$	1,999,437	$	1,502,698	$	1,070,923	$	906,008	$	2,477,773	$	762,682	$	11,952,398

Consumer Portfolio

Accounts, Notes, Loans and Financing Receivable [Line Items]

Loans Receivables Related Risk Rating

For Consumer loans, the Company evaluates credit quality based on the delinquency status of the loan. The following table details the amortized cost of the classes of loans within the Consumer segment based on their delinquency status and year of origination as of March 31, 2021 (dollars in thousands):

		March 31, 2021
		Term Loans Amortized Cost Basis by Origination Year
	2021		2020		2019		2018		2017		Prior		Revolving Loans		Total
Residential 1-4 Family - Consumer
Current	$	59,779	$	203,048	$	73,588	$	56,557	$	58,921	$	339,562	$	11	$	791,466
30-59 Days Past Due		—		—		1,007		499		1,474		3,851		—		6,831
60-89 Days Past Due		—		—		—		—		108		700		—		808
90+ Days Past Due		—		607		831		—		27		1,576		—		3,041
Nonaccrual		—		—		109		2,210		903		11,548		—		14,770
Total Residential 1-4 Family - Consumer	$	59,779	$	203,655	$	75,535	$	59,266	$	61,433	$	357,237	$	11	$	816,916
Residential 1-4 Family - Revolving
Current	$	1,705	$	11,472	$	3,548	$	1,443	$	—	$	488	$	538,679	$	557,335
30-59 Days Past Due		—		43		—		—		—		—		1,354		1,397
60-89 Days Past Due		—		41		—		—		—		—		243		284
90+ Days Past Due		—		—		—		—		—		—		917		917
Nonaccrual		—		76		—		20		—		226		3,531		3,853
Total Residential 1-4 Family - Revolving	$	1,705	$	11,632	$	3,548	$	1,463	$	—	$	714	$	544,724	$	563,786
Consumer
Current	$	3,126	$	22,775	$	58,410	$	55,650	$	19,059	$	23,877	$	31,541	$	214,438
30-59 Days Past Due		—		47		167		238		70		40		33		595
60-89 Days Past Due		—		2		152		122		24		6		8		314
90+ Days Past Due		—		8		6		217		10		5		2		248
Nonaccrual		—		—		—		—		—		116		—		116
Total Consumer	$	3,126	$	22,832	$	58,735	$	56,227	$	19,163	$	24,044	$	31,584	$	215,711
Auto
Current	$	37,040	$	166,686	$	104,887	$	49,676	$	28,220	$	18,183	$	—	$	404,692
30-59 Days Past Due		55		89		244		193		278		176		—		1,035
60-89 Days Past Due		—		42		82		16		—		25		—		165
90+ Days Past Due		—		55		24		4		58		13		—		154
Nonaccrual		—		48		28		59		59		109		—		303
Total Auto	$	37,095	$	166,920	$	105,265	$	49,948	$	28,615	$	18,506	$	—	$	406,349
Total Consumer
Current	$	101,650	$	403,981	$	240,433	$	163,326	$	106,200	$	382,110	$	570,231	$	1,967,931
30-59 Days Past Due		55		179		1,418		930		1,822		4,067		1,387		9,858
60-89 Days Past Due		—		85		234		138		132		731		251		1,571
90+ Days Past Due		—		670		861		221		95		1,594		919		4,360
Nonaccrual		—		124		137		2,289		962		11,999		3,531		19,042
Total Consumer	$	101,705	$	405,039	$	243,083	$	166,904	$	109,211	$	400,501	$	576,319	$	2,002,762

The following table details the amortized cost of the classes of loans within the Consumer segment based on their delinquency status and year of origination as of December 31, 2020 (dollars in thousands):

		December 31, 2020
		Term Loans Amortized Cost Basis by Origination Year
	2020		2019		2018		2017		2016		Prior		Revolving Loans		Total
Residential 1-4 Family - Consumer
Current	$	213,763	$	75,133	$	64,299	$	68,320	$	102,123	$	269,203	$	11	$	792,852
30-59 Days Past Due		678		181		2,243		516		457		6,107		—		10,182
60-89 Days Past Due		156		—		57		679		—		641		—		1,533
90+ Days Past Due		608		1,696		23		—		1,246		2,126		—		5,699
Nonaccrual		—		—		696		851		887		10,166		—		12,600
Total Residential 1-4 Family - Consumer	$	215,205	$	77,010	$	67,318	$	70,366	$	104,713	$	288,243	$	11	$	822,866
Residential 1-4 Family - Revolving
Current	$	13,217	$	3,916	$	1,593	$	300	$	—	$	636	$	567,860	$	587,522
30-59 Days Past Due		70		—		—		—		—		—		2,905		2,975
60-89 Days Past Due		53		—		—		—		—		—		991		1,044
90+ Days Past Due		—		—		—		—		—		—		826		826
Nonaccrual		—		—		21		—		—		227		4,381		4,629
Total Residential 1-4 Family - Revolving	$	13,340	$	3,916	$	1,614	$	300	$	—	$	863	$	576,963	$	596,996
Consumer
Current	$	26,498	$	68,208	$	67,041	$	22,464	$	9,997	$	15,893	$	35,450	$	245,551
30-59 Days Past Due		35		252		504		98		15		143		119		1,166
60-89 Days Past Due		28		176		317		23		—		3		3		550
90+ Days Past Due		5		84		242		4		—		56		3		394
Nonaccrual		—		—		—		—		—		69		—		69
Total Consumer	$	26,566	$	68,720	$	68,104	$	22,589	$	10,012	$	16,164	$	35,575	$	247,730
Auto
Current	$	171,051	$	115,319	$	55,886	$	32,555	$	17,081	$	6,314	$	—	$	398,206
30-59 Days Past Due		239		467		543		478		197		152		—		2,076
60-89 Days Past Due		124		150		—		59		26		17		—		376
90+ Days Past Due		6		23		53		58		15		11		—		166
Nonaccrual		30		93		126		101		88		62		—		500
Total Auto	$	171,450	$	116,052	$	56,608	$	33,251	$	17,407	$	6,556	$	—	$	401,324
Total Consumer
Current	$	424,529	$	262,576	$	188,819	$	123,639	$	129,201	$	292,046	$	603,321	$	2,024,131
30-59 Days Past Due		1,022		900		3,290		1,092		669		6,402		3,024		16,399
60-89 Days Past Due		361		326		374		761		26		661		994		3,503
90+ Days Past Due		619		1,803		318		62		1,261		2,193		829		7,085
Nonaccrual		30		93		843		952		975		10,524		4,381		17,798
Total Consumer	$	426,561	$	265,698	$	193,644	$	126,506	$	132,132	$	311,826	$	612,549	$	2,068,916