XML 38 R28.htm IDEA: XBRL DOCUMENT v3.23.3
Allowance for Credit Losses (Tables)
 9 Months Ended
Sep. 30, 2023
Receivables [Abstract]  
Activity In The Non-Covered Allowance For Loan And Lease Losses
The following tables summarize activity related to the allowance for credit losses by portfolio segment for the periods indicated:
Three Months Ended September 30, 2023
(in thousands)Commercial Real EstateCommercialResidentialConsumer & OtherTotal
Allowance for credit losses on loans and leases
Balance, beginning of period$118,954 $211,651 $65,941 $8,057 $404,603 
Provision for credit losses for loans and leases 2,734 35,952 (4,619)1,015 35,082 
Charge-offs— (26,629)(206)(1,884)(28,719)
Recoveries31 4,901 156 506 5,594 
Net recoveries (charge-offs)31 (21,728)(50)(1,378)(23,125)
Balance, end of period$121,719 $225,875 $61,272 $7,694 $416,560 
Reserve for unfunded commitments
Balance, beginning of period$10,000 $5,821 $3,018 $988 $19,827 
(Recapture) provision for credit losses on unfunded commitments(11)1,579 67 20 1,655 
Balance, end of period9,989 7,400 3,085 1,008 21,482 
Total allowance for credit losses$131,708 $233,275 $64,357 $8,702 $438,042 
Nine Months Ended September 30, 2023
(in thousands)Commercial Real EstateCommercialResidentialConsumer & OtherTotal
Allowance for credit losses on loans and leases
Balance, beginning of period$77,813 $167,135 $50,329 $5,858 $301,135 
Initial ACL on PCD loans acquired during the period8,736 17,204 454 98 26,492 
Provision for credit losses for loans and leases (1)
35,046 106,979 10,605 4,166 156,796 
Charge-offs(174)(77,913)(458)(3,921)(82,466)
Recoveries298 12,470 342 1,493 14,603 
Net recoveries (charge-offs)124 (65,443)(116)(2,428)(67,863)
Balance, end of period$121,719 $225,875 $61,272 $7,694 $416,560 
Reserve for unfunded commitments
Balance, beginning of period$7,207 $3,049 $3,196 $769 $14,221 
Initial ACL recorded for unfunded commitments acquired during the period2,257 3,066 268 176 5,767 
Provision (recapture) for credit losses on unfunded commitments525 1,285 (379)63 1,494 
Balance, end of period9,989 7,400 3,085 1,008 21,482 
Total allowance for credit losses$131,708 $233,275 $64,357 $8,702 $438,042 
(1) Includes $88.4 million initial provision related to non-PCD loans acquired during the first quarter of 2023.
Three Months Ended September 30, 2022
(in thousands)Commercial Real EstateCommercialResidentialConsumer & OtherTotal
Allowance for credit losses on loans and leases
Balance, beginning of period$88,983 $131,455 $36,586 $4,087 $261,111 
(Recapture) provision for credit losses for loans and leases(3,563)26,762 4,307 1,036 28,542 
Charge-offs— (9,459)(4)(929)(10,392)
Recoveries 123 2,842 249 590 3,804 
Net recoveries (charge-offs)123 (6,617)245 (339)(6,588)
Balance, end of period$85,543 $151,600 $41,138 $4,784 $283,065 
Reserve for unfunded commitments
Balance, beginning of period$7,351 $2,232 $2,735 $505 $12,823 
(Recapture) provision for credit losses on unfunded commitments(1,994)579 304 141 (970)
Balance, end of period5,357 2,811 3,039 646 11,853 
Total allowance for credit losses$90,900 $154,411 $44,177 $5,430 $294,918 
Nine Months Ended September 30, 2022
(in thousands)Commercial Real EstateCommercialResidentialConsumer & OtherTotal
Allowance for credit losses on loans and leases
Balance, beginning of period$99,075 $117,573 $29,068 $2,696 $248,412 
(Recapture) provision for credit losses for loans and leases(13,745)52,058 11,603 3,109 53,025 
Charge-offs(8)(26,352)(171)(2,650)(29,181)
Recoveries221 8,321 638 1,629 10,809 
Net recoveries (charge-offs)213 (18,031)467 (1,021)(18,372)
Balance, end of period$85,543 $151,600 $41,138 $4,784 $283,065 
Reserve for unfunded commitments
Balance, beginning of period$8,461 $2,028 $1,957 $321 $12,767 
(Recapture) provision for credit losses on unfunded commitments(3,104)783 1,082 325 (914)
Balance, end of period5,357 2,811 3,039 646 11,853 
Total allowance for credit losses$90,900 $154,411 $44,177 $5,430 $294,918 
Loans and Leases Past Due and Non-Accrual Loans and Leases
The following tables present the carrying value of the loans and leases past due, by loan and lease class, as of the dates presented:
September 30, 2023
(in thousands)Greater than 30 to 59 Days Past Due60 to 89 Days Past Due 90 Days or More and AccruingTotal Past Due
Non-Accrual (1)
Current and OtherTotal Loans and Leases
Commercial real estate
Non-owner occupied term, net$1,617 $503 $70 $2,190 $5,308 $6,483,140 $6,490,638 
Owner occupied term, net2,546 3,476 1 6,023 20,745 5,208,459 5,235,227 
Multifamily, net— — — — — 5,684,495 5,684,495 
Construction & development, net— — — — — 1,669,918 1,669,918 
Residential development, net— — — — — 354,922 354,922 
Commercial
Term, net2,863 2,802 101 5,766 12,283 5,419,866 5,437,915 
Lines of credit & other, net8,533 288 477 9,298 4,106 2,340,144 2,353,548 
Leases & equipment finance, net18,159 19,180 8,028 45,367 27,952 1,655,672 1,728,991 
Residential
Mortgage, net (2)
537 14,029 22,491 37,057 — 6,084,781 6,121,838 
Home equity loans & lines, net4,757 2,398 3,388 10,543 — 1,889,405 1,899,948 
Consumer & other, net935 295 240 1,470 — 191,688 193,158 
Total, net of deferred fees and costs$39,947 $42,971 $34,796 $117,714 $70,394 $36,982,490 $37,170,598 
(1) Loans and leases on non-accrual with an amortized cost basis of $70.4 million had a related allowance for credit losses of $25.9 million at September 30, 2023.
(2) Includes government guaranteed mortgage loans that the Bank has the right but not the obligation to repurchase that are past due 90 days or more, totaling $700,000 at September 30, 2023.
December 31, 2022
(in thousands)Greater than 30 to 59 Days Past Due60 to 89 Days Past Due90 Days or More and AccruingTotal Past Due
Non-Accrual (1)
Current and OtherTotal Loans and Leases
Commercial real estate
Non-owner occupied term, net$811 $538 $— $1,349 $2,963 $3,890,528 $3,894,840 
Owner occupied term, net168 50 1 219 2,048 2,565,494 2,567,761 
Multifamily, net— — — — — 5,285,791 5,285,791 
Construction & development, net— — — — — 1,077,346 1,077,346 
Residential development, net— — — — — 200,838 200,838 
Commercial
Term, net1,241 1,489 19 2,749 5,303 3,021,495 3,029,547 
Lines of credit & other, net514 419 4 937 — 959,117 960,054 
Leases & equipment finance, net19,929 23,288 7,886 51,103 20,388 1,634,681 1,706,172 
Residential
Mortgage, net (2)
847 10,619 24,943 36,409 — 5,610,626 5,647,035 
Home equity loans & lines, net2,808 1,526 1,569 5,903 — 1,626,062 1,631,965 
Consumer & other, net446 200 134 780 — 153,852 154,632 
Total, net of deferred fees and costs$26,764 $38,129 $34,556 $99,449 $30,702 $26,025,830 $26,155,981 
(1) Loans and leases on non-accrual with an amortized cost basis of $30.7 million had a related allowance for credit losses of $17.5 million at December 31, 2022.
(2) Includes government guaranteed mortgage loans the Bank has the right but not the obligation to repurchase that are past due 90 days or more, totaling $6.6 million at December 31, 2022.
Collateral Dependent Loans and Leases The following table summarizes the amortized cost basis of the collateral-dependent loans and leases by the type of collateral securing the assets as of September 30, 2023:
(in thousands)Residential Real EstateCommercial Real Estate General Business AssetsOtherTotal
Commercial real estate
  Non-owner occupied term, net$— $5,154 $— $— $5,154 
  Owner occupied term, net— 18,654 — — 18,654 
Commercial
   Term, net2,835 567 5,158 1,007 9,567 
   Line of credit & other, net— 1,841 1,272 — 3,113 
   Leases & equipment finance, net— — 27,952 — 27,952 
Residential
   Mortgage, net48,779 — — — 48,779 
   Home equity loans & lines, net2,912 — — — 2,912 
Total, net of deferred fees and costs$54,526 $26,216 $34,382 $1,007 $116,131 
Schedule Of Troubled Debt Restructurings
The following table presents the amortized cost basis of loans at September 30, 2023 that were both experiencing financial difficulty and modified during the three and nine months ended September 30, 2023, by class and type of modification. The percentage of the amortized cost basis of loans that were modified to borrowers in financial distress as compared to the amortized cost basis of each class of financing receivable is also presented below.
Three Months Ended September 30, 2023
(in thousands)Interest Rate ReductionTerm ExtensionOther -Than-Insignificant Payment DelayCombination - Term Extension and Other-than-Insignificant Payment Delay% of total class of financing receivable
Commercial
  Lines of credit & other, net$— $2,649 $— $— 0.11 %
  Leases & equipment finance, net— 974 — — 0.06 %
Residential
  Mortgage, net— — 13,228 2,823 0.26 %
Total loans and leases experiencing financial difficulty$— $3,623 $13,228 $2,823 0.05 %
Nine Months Ended September 30, 2023
(in thousands)Interest Rate ReductionTerm ExtensionOther -Than-Insignificant Payment DelayCombination - Term Extension and Other-than-Insignificant Payment Delay% of total class of financing receivable
Commercial real estate
  Owner occupied term, net$666 $— $— $— 0.01 %
Commercial
  Term, net377 483 — — 0.02 %
  Lines of credit & other, net— 4,333 — — 0.18 %
  Leases & equipment finance, net— 1,515 — — 0.09 %
Residential
  Mortgage, net— 451 35,031 5,703 0.67 %
Total loans and leases experiencing financial difficulty$1,043 $6,782 $35,031 $5,703 0.13 %

Three Months Ended September 30, 2023
Type of ModificationLoan TypeFinancial Effect
Term extensionLines of credit & other, net
Added a weighted average 3 months to the life of the loans, which reduced monthly payments for the borrowers
Term extensionLeases & equipment finance, net
Added a weighted average of 9 months to the life of the loans and leases, which reduced monthly payments for the borrowers
Other-than-insignificant payment delayMortgage, net
Deferred $892,000 of principal and interest payments
Combination - Term Extension and Other-than-Insignificant Payment DelayMortgage, net
Added a weighted average 13.0 years and deferred $287,000 of principal and interest payments
Nine Months Ended September 30, 2023
Type of ModificationLoan TypeFinancial Effect
Term extensionTerm, net
Added a weighted average of 7 months to the life of the loans, which reduced monthly payments for the borrowers
Term extensionLines of credit & other, net
Added a weighted average of 8 months to the life of the loans, which reduced monthly payments for the borrowers
Term extensionLeases & equipment finance, net
Added a weighted average of 9 months to the life of the loans and leases, which reduced monthly payments for the borrowers
Term extensionMortgage, net
Added a weighted average 6.4 years to the life of the loans, which reduced monthly payments for the borrowers
Interest Rate ReductionOwner occupied term, net
Reduced weighted average interest rate by 4.00%
Interest Rate ReductionTerm, net
Reduced weighted average interest rate by 4.15%
Other-than-insignificant payment delayMortgage, net
Deferred $2.6 million of principal and interest payments
Combination - Term Extension and Other-than-Insignificant Payment DelayMortgage, net
Added a weighted average 13.2 years and deferred $443,000 of principal and interest payments

The Company closely monitors the performance of loans that are modified for borrowers experiencing financial difficulty to understand the effectiveness of its modification efforts. The following tables presents the performance of such loans that have been modified for the three and nine months ended September 30, 2023:
Three Months Ended September 30, 2023
Loan TypeCurrentGreater than 30 to 59 Days Past Due60 to 89 Days Past Due90 Days or Greater Past DueNonaccrual
(in thousands)
Commercial
Term, net$— $— $— $— $— 
Lines of credit & other, net2,030 — — — 619 
Leases & equipment finance, net950 — 24 — — 
Residential
Mortgage, net15,690 — 86 275 — 
Total loans and leases, net of deferred fees and costs$18,670 $— $110 $275 $619 

Nine Months Ended September 30, 2023
Loan TypeCurrentGreater than 30 to 59 Days Past Due60 to 89 Days Past Due90 Days or Greater Past DueNonaccrual
(in thousands)
Commercial real estate
Owner occupied term, net$— $— $— $— $666 
Commercial
Term, net94 — 389 — 377 
Lines of credit & other, net3,426 — — 288 619 
Leases & equipment finance, net1,153 117 72 53 120 
Residential
Mortgage, net39,102 — 285 1,798 — 
Total loans and leases, net of deferred fees and costs$43,775 $117 $746 $2,139 $1,782 
Internal Risk Rating By Loan Class The following tables represent the amortized costs basis of the loans and leases by credit classification and vintage year by loan and lease class of financing receivable as of the dates presented:
(in thousands)Term Loans Amortized Cost Basis by Origination YearRevolving Loans Amortized Cost Basis
Revolving to Non-Revolving Loans Amortized Cost (1)
September 30, 202320232022202120202019PriorTotal
Commercial real estate:
Non-owner occupied term, net
Credit quality indicator:
Pass/Watch$495,764 $1,303,985 $1,189,840 $619,947 $768,012 $1,927,643 $42,593 $— $6,347,784 
Special mention— 299 1,330 1,342 — 10,961 — — 13,932 
Substandard30,518 452 — 1,468 35,367 61,011 — — 128,816 
Doubtful— — — — — 92 — — 92 
Loss— — — — — 14 — — 14 
Total non-owner occupied term, net$526,282 $1,304,736 $1,191,170 $622,757 $803,379 $1,999,721 $42,593 $— $6,490,638 
Current YTD period:
Gross charge-offs— — — — — — — — — 
Owner occupied term, net
Credit quality indicator:
Pass/Watch$420,271 $1,134,084 $992,861 $460,738 $592,256 $1,399,829 $66,864 $— $5,066,903 
Special mention332 6,120 6,067 3,451 17,108 12,199 — — 45,277 
Substandard3,962 4,590 50,274 17,490 13,735 31,084 — — 121,135 
Doubtful— 233 — — — 187 — — 420 
Loss— — — — 1,492 — — — 1,492 
Total owner occupied term, net$424,565 $1,145,027 $1,049,202 $481,679 $624,591 $1,443,299 $66,864 $— $5,235,227 
Current YTD period:
Gross charge-offs— — — — — 174 — — 174 
Multifamily, net
Credit quality indicator:
Pass/Watch$182,118 $2,031,627 $1,591,670 $411,423 $601,534 $756,623 $105,197 $— $5,680,192 
Special mention— — 1,285 — — 2,071 — — 3,356 
Substandard— — — — — 947 — — 947 
Total multifamily, net$182,118 $2,031,627 $1,592,955 $411,423 $601,534 $759,641 $105,197 $— $5,684,495 
Current YTD period:
Gross charge-offs— — — — — — — — — 
Construction & development, net
Credit quality indicator:
Pass/Watch$129,367 $597,238 $705,409 $177,098 $29,736 $5,515 $25,555 $— $1,669,918 
Total construction & development, net$129,367 $597,238 $705,409 $177,098 $29,736 $5,515 $25,555 $— $1,669,918 
Current YTD period:
Gross charge-offs— — — — — — — — — 
Residential development, net
Credit quality indicator:
Pass/Watch$65,120 $109,863 $36,451 $1,331 $— $1,503 $139,685 $969 $354,922 
Total residential development, net$65,120 $109,863 $36,451 $1,331 $— $1,503 $139,685 $969 $354,922 
Current YTD period:
Gross charge-offs— — — — — — — — — 
Total commercial real estate$1,327,452 $5,188,491 $4,575,187 $1,694,288 $2,059,240 $4,209,679 $379,894 $969 $19,435,200 
(in thousands)Term Loans Amortized Cost Basis by Origination YearRevolving Loans Amortized Cost Basis
Revolving to Non-Revolving Loans Amortized Cost (1)
September 30, 202320232022202120202019PriorTotal
Commercial:
Term, net
Credit quality indicator:
Pass/Watch$609,556 $1,260,756 $945,804 $424,845 $289,972 $631,147 $994,636 $50,855 $5,207,571 
Special mention14,339 21,873 74,393 401 4,418 10,648 — — 126,072 
Substandard1,385 5,568 12,349 3,872 9,607 10,202 51,408 4,259 98,650 
Doubtful— 1,296 — 657 51 1,851 — — 3,855 
Loss— 406 — — — 1,361 — — 1,767 
Total term, net$625,280 $1,289,899 $1,032,546 $429,775 $304,048 $655,209 $1,046,044 $55,114 $5,437,915 
Current YTD period:
Gross charge-offs— 935 — 313 328 525 41 808 2,950 
Lines of credit & other, net
Credit quality indicator:
Pass/Watch$77,838 $114,137 $56,859 $12,888 $11,196 $16,604 $1,910,485 $6,356 $2,206,363 
Special mention2,634 1,979 429 336 — 5 40,884 119 46,386 
Substandard1,419 144 — — — 838 64,476 32,493 99,370 
Doubtful— 191 189 — — — 304 250 934 
Loss— — 200 — 1 1 293 — 495 
Total lines of credit & other, net$81,891 $116,451 $57,677 $13,224 $11,197 $17,448 $2,016,442 $39,218 $2,353,548 
Current YTD period:
Gross charge-offs— 168 — — 144 4 916 1,245 2,477 
Leases & equipment finance, net
Credit quality indicator:
Pass/Watch$578,297 $575,049 $238,870 $113,363 $84,829 $42,842 $— $— $1,633,250 
Special mention2,155 12,110 6,330 1,925 1,121 261 — — 23,902 
Substandard4,200 12,461 5,354 2,188 1,201 676 — — 26,080 
Doubtful3,040 23,705 10,143 3,404 1,844 333 — — 42,469 
Loss308 1,886 767 255 53 21 — — 3,290 
Total leases & equipment finance, net$588,000 $625,211 $261,464 $121,135 $89,048 $44,133 $— $— $1,728,991 
Current YTD period:
Gross charge-offs338 31,818 24,912 7,196 5,402 2,820 72,486 
Total commercial$1,295,171 $2,031,561 $1,351,687 $564,134 $404,293 $716,790 $3,062,486 $94,332 $9,520,454 
Residential:
Mortgage, net
Credit quality indicator:
Pass/Watch$136,274 $1,814,701 $2,389,093 $533,164 $450,775 $761,474 $— $— $6,085,481 
Special mention285 5,210 1,394 321 1,846 5,509 — — 14,565 
Substandard1,798 2,125 2,335 787 1,868 6,422 — — 15,335 
Loss— 1,815 2,281 308 — 2,053 — — 6,457 
Total mortgage, net$138,357 $1,823,851 $2,395,103 $534,580 $454,489 $775,458 $— $— $6,121,838 
Current YTD period:
Gross charge-offs— — — — — 6 — — 6 
(in thousands)Term Loans Amortized Cost Basis by Origination YearRevolving Loans Amortized Cost Basis
Revolving to Non-Revolving Loans Amortized Cost (1)
September 30, 202320232022202120202019PriorTotal
Home equity loans & lines, net
Credit quality indicator:
Pass/Watch$456 $1,267 $1,630 $123 $1,211 $35,781 $1,836,003 $12,933 $1,889,404 
Special mention— — — — 50 1,068 5,252 785 7,155 
Substandard— — 12 29 137 76 1,218 228 1,700 
Loss— — — — 21 111 1,376 181 1,689 
Total home equity loans & lines, net$456 $1,267 $1,642 $152 $1,419 $37,036 $1,843,849 $14,127 $1,899,948 
Current YTD period:
Gross charge-offs— — — — — 4 448 — 452 
Total residential$138,813 $1,825,118 $2,396,745 $534,732 $455,908 $812,494 $1,843,849 $14,127 $8,021,786 
Consumer & other, net:
Credit quality indicator:
Pass/Watch$35,117 $18,255 $7,794 $5,521 $4,080 $5,921 $113,204 $1,799 $191,691 
Special mention41 9 129 1 49 95 795 110 1,229 
Substandard— 14 2 2 1 16 146 48 229 
Loss— — — — — 7 2 — 9 
Total consumer & other, net$35,158 $18,278 $7,925 $5,524 $4,130 $6,039 $114,147 $1,957 $193,158 
Current YTD period:
Gross charge-offs2,292 114 20 18 21 240 897 319 3,921 
Grand total$2,796,594 $9,063,448 $8,331,544 $2,798,678 $2,923,571 $5,745,002 $5,400,376 $111,385 $37,170,598 

(1) Loans included in the Revolving to Non-Revolving Loans Amortized Cost Basis column include loans converted from Revolving to Non-Revolving in the current year/period presented. Loans converted from Revolving to Non-Revolving in prior years are presented in the corresponding vintage column based on origination date.
(in thousands)Term Loans Amortized Cost Basis by Origination YearRevolving Loans Amortized Cost BasisRevolving to Non-Revolving Loans Amortized Cost
December 31, 202220222021202020192018PriorTotal
Commercial real estate:
Non-owner occupied term, net
Credit quality indicator:
Pass/Watch$726,865 $746,833 $389,476 $590,571 $404,905 $968,254 $4,327 $4,442 $3,835,673 
Special mention1,185 — 1,482 4,597 4,002 4,603 — — 15,869 
Substandard452 — — 311 34,393 8,129 — — 43,285 
Loss— — — — — 13 — — 13 
Total non-owner occupied term, net$728,502 $746,833 $390,958 $595,479 $443,300 $980,999 $4,327 $4,442 $3,894,840 
Owner occupied term, net
Credit quality indicator:
Pass/Watch$660,479 $544,011 $183,996 $307,944 $211,539 $585,740 $4,552 $117 $2,498,378 
Special mention2,091 20,328 239 3,279 9,527 19,562 — — 55,026 
Substandard— — 404 660 1,356 11,833 — — 14,253 
Loss— — — — — 104 — — 104 
Total owner occupied term, net$662,570 $564,339 $184,639 $311,883 $222,422 $617,239 $4,552 $117 $2,567,761 
Multifamily, net
Credit quality indicator:
Pass/Watch$1,944,714 $1,556,986 $364,306 $618,523 $219,260 $496,628 $82,467 $2,907 $5,285,791 
Total multifamily, net$1,944,714 $1,556,986 $364,306 $618,523 $219,260 $496,628 $82,467 $2,907 $5,285,791 
Construction & development, net
Credit quality indicator:
Pass/Watch$248,437 $505,680 $205,577 $83,808 $— $18,183 $2,393 $— $1,064,078 
Special mention— 13,268 — — — — — — 13,268 
Total construction & development, net$248,437 $518,948 $205,577 $83,808 $— $18,183 $2,393 $— $1,077,346 
Residential development, net
Credit quality indicator:
Pass/Watch$38,662 $20,609 $417 $— $— $— $141,150 $— $200,838 
Total residential development, net$38,662 $20,609 $417 $— $— $— $141,150 $— $200,838 
Total commercial real estate$3,622,885 $3,407,715 $1,145,897 $1,609,693 $884,982 $2,113,049 $234,889 $7,466 $13,026,576 
(in thousands)Term Loans Amortized Cost Basis by Origination YearRevolving Loans Amortized Cost BasisRevolving to Non-Revolving Loans Amortized Cost
December 31, 202220222021202020192018PriorTotal
Commercial:
Term, net
Credit quality indicator:
Pass/Watch$792,764 $643,930 $174,188 $156,068 $130,309 $278,695 $744,193 $44,033 $2,964,180 
Special mention— 1,138 3 100 1,488 935 — 411 4,075 
Substandard16,424 1,403 1,362 1,358 10,619 2,211 27,240 — 60,617 
Doubtful— — 675 — — — — — 675 
Total term, net$809,188 $646,471 $176,228 $157,526 $142,416 $281,841 $771,433 $44,444 $3,029,547 
Lines of credit & other, net
Credit quality indicator:
Pass/Watch$57,715 $6,271 $4,660 $13,304 $8,653 $1,257 $813,110 $36,573 $941,543 
Special mention— — — — — — 5,833 1,933 7,766 
Substandard— 314 — — — 1,102 6,031 3,294 10,741 
Doubtful— — — — — — — 1 1 
Loss— — — — — — 3 — 3 
Total lines of credit & other, net$57,715 $6,585 $4,660 $13,304 $8,653 $2,359 $824,977 $41,801 $960,054 
Leases & equipment finance, net
Credit quality indicator:
Pass/Watch$812,537 $362,612 $190,507 $149,667 $62,292 $40,328 $— $— $1,617,943 
Special mention9,840 8,403 2,902 2,423 665 182 — — 24,415 
Substandard11,531 8,165 3,452 2,697 1,477 177 — — 27,499 
Doubtful11,822 13,034 4,326 3,419 1,211 197 — — 34,009 
Loss1,243 505 275 236 28 19 — — 2,306 
Total leases & equipment finance, net$846,973 $392,719 $201,462 $158,442 $65,673 $40,903 $— $— $1,706,172 
Total commercial$1,713,876 $1,045,775 $382,350 $329,272 $216,742 $325,103 $1,596,410 $86,245 $5,695,773 
Residential:
Mortgage, net
Credit quality indicator:
Pass/Watch$1,465,067 $2,389,861 $485,576 $471,416 $143,611 $661,715 $— $— $5,617,246 
Special mention307 1,351 1,203 2,365 752 5,487 — — 11,465 
Substandard— 1,664 1,041 2,693 2,015 9,907 — — 17,320 
Loss— 561 — 193 193 57 — — 1,004 
Total mortgage, net$1,465,374 $2,393,437 $487,820 $476,667 $146,571 $677,166 $— $— $5,647,035 
Home equity loans & lines, net
Credit quality indicator:
Pass/Watch$1,117 $630 $— $— $16 $7,320 $1,584,200 $32,778 $1,626,061 
Special mention— — — — — 79 3,208 1,047 4,334 
Substandard— — — — — 53 557 154 764 
Loss— — — — — — 357 449 806 
Total home equity loans & lines, net$1,117 $630 $— $— $16 $7,452 $1,588,322 $34,428 $1,631,965 
Total residential$1,466,491 $2,394,067 $487,820 $476,667 $146,587 $684,618 $1,588,322 $34,428 $7,279,000 
(in thousands)Term Loans Amortized Cost Basis by Origination YearRevolving Loans Amortized Cost BasisRevolving to Non-Revolving Loans Amortized Cost
December 31, 202220222021202020192018PriorTotal
Consumer & other, net:
Credit quality indicator:
Pass/Watch$22,959 $7,990 $6,701 $6,232 $2,626 $4,436 $102,465 $442 $153,851 
Special mention6 — 27 14 42 66 371 122 648 
Substandard— 9 1 9 — 32 47 25 123 
Loss— — — — — 7 3 — 10 
Total consumer & other, net$22,965 $7,999 $6,729 $6,255 $2,668 $4,541 $102,886 $589 $154,632 
Grand total$6,826,217 $6,855,556 $2,022,796 $2,421,887 $1,250,979 $3,127,311 $3,522,507 $128,728 $26,155,981