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Allowance for Credit Losses (Tables)
 3 Months Ended
Mar. 31, 2024
Receivables [Abstract]  
Activity In The Non-Covered Allowance For Loan And Lease Losses
The following tables summarize activity related to the ACL by portfolio segment for the periods indicated:
Three Months Ended March 31, 2024
(in thousands)Commercial Real EstateCommercialResidentialConsumer & OtherTotal
Allowance for credit losses on loans and leases
Balance, beginning of period$125,888 $244,821 $62,004 $8,158 $440,871 
Provision (recapture) for credit losses for loans and leases 20,191 436 (3,674)523 17,476 
Charge-offs(161)(47,232)(490)(1,870)(49,753)
Recoveries358 4,732 170 490 5,750 
Net recoveries (charge-offs)197 (42,500)(320)(1,380)(44,003)
Balance, end of period$146,276 $202,757 $58,010 $7,301 $414,344 
Reserve for unfunded commitments
Balance, beginning of period$11,170 $7,841 $2,940 $1,257 $23,208 
Provision (recapture) for credit losses on unfunded commitments1,858 (1,951)(183)(64)(340)
Balance, end of period13,028 5,890 2,757 1,193 22,868 
Total allowance for credit losses$159,304 $208,647 $60,767 $8,494 $437,212 

Three Months Ended March 31, 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)
24,483 70,997 9,955 1,063 106,498 
Charge-offs— (19,248)(248)(773)(20,269)
Recoveries58 3,058 123 369 3,608 
Net recoveries (charge-offs)58 (16,190)(125)(404)(16,661)
Balance, end of period$111,090 $239,146 $60,613 $6,615 $417,464 
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 
(Recapture) provision for credit losses on unfunded commitments(1,059)266 (144)(22)(959)
Balance, end of period8,405 6,381 3,320 923 19,029 
Total allowance for credit losses$119,495 $245,527 $63,933 $7,538 $436,493 
(1) Includes $88.4 million initial provision related to non-PCD loans acquired during the first quarter of 2023.
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:
March 31, 2024
(in thousands)Greater than 30 to 59 Days Past Due60 to 89 Days Past Due
 90 Days or More and Accruing (2)
Total Past Due
Non-Accrual (2)
Current and OtherTotal Loans and Leases
Commercial real estate
Non-owner occupied term, net$2,237 $517 $253 $3,007 $5,382 $6,549,379 $6,557,768 
Owner occupied term, net2,275 245 — 2,520 34,354 5,194,802 5,231,676 
Multifamily, net— — — — — 5,828,960 5,828,960 
Construction & development, net— — — — — 1,728,652 1,728,652 
Residential development, net— — — — — 284,117 284,117 
Commercial
Term, net4,946 1,493 832 7,271 26,032 5,511,147 5,544,450 
Lines of credit & other, net37,219 1,736 1,966 40,921 2,335 2,448,301 2,491,557 
Leases & equipment finance, net26,837 8,551 7,935 43,323 30,593 1,632,843 1,706,759 
Residential
Mortgage, net (1)
14,452 — 30,040 44,492 — 6,084,392 6,128,884 
Home equity loans & lines, net5,746 2,411 3,439 11,596 — 1,938,825 1,950,421 
Consumer & other, net788 220 437 1,445 — 187,724 189,169 
Total, net of deferred fees and costs$94,500 $15,173 $44,902 $154,575 $98,696 $37,389,142 $37,642,413 
(1) 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 $1.6 million as of March 31, 2024.
(2) Includes government guaranteed portion of $11.7 million and $31.3 million for 90 days or greater and non-accrual loans, respectively.
December 31, 2023
(in thousands)Greater than 30 to 59 Days Past Due60 to 89 Days Past Due
90 Days or More and Accruing(2)
Total Past Due
Non-Accrual(2)
Current and OtherTotal Loans and Leases
Commercial real estate
Non-owner occupied term, net$1,270 $3,312 $437 $5,019 $4,359 $6,473,562 $6,482,940 
Owner occupied term, net3,078 2,191 433 5,702 24,330 5,165,573 5,195,605 
Multifamily, net— — — — — 5,704,734 5,704,734 
Construction & development, net— — — — — 1,747,302 1,747,302 
Residential development, net— — — — — 323,899 323,899 
Commercial
Term, net6,341 2,101 202 8,644 14,519 5,513,602 5,536,765 
Lines of credit & other, net1,647 1,137 66 2,850 2,760 2,424,517 2,430,127 
Leases & equipment finance, net22,217 24,178 7,965 54,360 28,403 1,646,749 1,729,512 
Residential
Mortgage, net (1)
282 9,410 26,331 36,023 — 6,121,143 6,157,166 
Home equity loans & lines, net4,401 2,373 3,782 10,556 — 1,927,610 1,938,166 
Consumer & other, net778 519 326 1,623 — 194,112 195,735 
Total, net of deferred fees and costs$40,014 $45,221 $39,542 $124,777 $74,371 $37,242,803 $37,441,951 
(1) 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 $1.0 million at December 31, 2023.
(2) Includes government guaranteed portion of $12.3 million and $19.3 million for 90 days or greater and non-accrual loans, respectively.
Collateral Dependent Loans and Leases
The following table summarizes the amortized cost of non-accrual loans for which there was no related ACL as of March 31, 2024 and December 31, 2023:
(in thousands)March 31, 2024December 31, 2023
Commercial real estate  
Non-owner occupied term, net$37 $52 
Owner occupied term, net1,492 1,352 
Commercial
Term, net3,137 3,497 
Total non-accrual loans with no related ACL$4,666 $4,901 
Collateral Dependent Loans and Leases The following table summarizes the amortized cost basis of the collateral-dependent loans and leases by the type of collateral securing the assets as of March 31, 2024:
(in thousands)Residential Real EstateCommercial Real Estate General Business AssetsOtherTotal
Commercial real estate
  Non-owner occupied term, net$— $5,290 $— $— $5,290 
  Owner occupied term, net— 31,710 — — 31,710 
Commercial
   Term, net— — 16,952 4,265 21,217 
   Line of credit & other, net— 1,453 250 — 1,703 
   Leases & equipment finance, net— — 30,593 — 30,593 
Residential
   Mortgage, net56,920 — — — 56,920 
   Home equity loans & lines, net2,518 — — — 2,518 
Total, net of deferred fees and costs$59,438 $38,453 $47,795 $4,265 $149,951 
Loan and Lease Modifications Made to Borrowers Experiencing Financial Difficulty
The following tables present the amortized cost basis of loans and leases that were both experiencing financial difficulty and modified during the three months ended March 31, 2024 and 2023, by class and type of modification. The percentage of the amortized cost basis of loans and leases that were modified to borrowers in financial distress as compared to the amortized cost basis of each class of financing receivable is also presented below.
Three Months Ended March 31, 2024
(in thousands)Term ExtensionOther -Than-Insignificant Payment DelayTotal% of total class of financing receivable
Commercial real estate
  Non-owner occupied term, net$— $17,630 $17,630 0.27 %
  Owner occupied term, net— 534 534 0.01 %
Commercial
  Term, net478 — 478 0.01 %
  Lines of credit & other, net6,695 144 6,839 0.27 %
  Leases & equipment finance, net785 — 785 0.05 %
Residential
  Mortgage, net1,012 7,624 8,636 0.14 %
Total loans and leases experiencing financial difficulty$8,970 $25,932 $34,902 0.09 %
Three Months Ended March 31, 2023
(in thousands)Term ExtensionOther -Than-Insignificant Payment DelayCombination - Interest Rate Reduction and Term ExtensionCombination - Term Extension and Principal ForgivenessCombination - Principal forgiveness and other than insignificant payment delayTotal% of total class of financing receivable
Commercial
Lines of credit & other, net$1,355 $— $— $— $— $1,355 0.06 %
Leases & equipment finance, net— 429 — — — 429 0.02 %
Residential
Mortgage, net— — — 1,938 8,987 10,925 0.18 %
Home equity loans & lines, net— — 207 — — 207 0.01 %
Total loans and leases experiencing financial difficulty$1,355 $429 $207 $1,938 $8,987 $12,916 0.03 %
Three Months Ended March 31, 2024
Loan TypeFinancial Effect
Commercial real estate
Non-owner occupied term, net
Deferred $4.0 million of principal and interest payments
Owner occupied term, net
Deferred $51,000 of principal and interest payments
Commercial
Term, net
Weighted average term extension of 3 months to the life of the loans
Lines of credit & other, net
Weighted average term extension of 6 months to the life of the loans
Leases & equipment finance, net
Weighted average term extension of 7 months to the life of the loans and leases
Residential
Mortgage, net
Weighted average term extension of 13.5 years to the life of the loans and deferred $534,000 of principal and interest payments
 Lines of credit & other, net
Deferred $63,000 of principal and interest payments
Three Months Ended March 31, 2023
Loan TypeFinancial Effect
Commercial
Lines of credit & other, net
Weighted average term extension of 10 months to the life of the loans
Leases & equipment finance, net
Delayed payment for 9 months
Residential
Home equity loans & lines, net
Weighted average term extension of 7.1 years to the life of the loan and decreased the weighted average interest rate by 3.24%.
Mortgage, net
Weighted average of 13.3 years to the life of the loan and deferred $499,000 of principal payments at the maturity of the loan.

The Company closely monitors the performance of loans and leases that are modified for borrowers experiencing financial difficulty to understand the effectiveness of its modification efforts. Loans and leases are considered to be in payment default at 90 or more days past due. The following table presents the performance of such loans and leases that have been modified for the three months ended March 31, 2024:
Three Months Ended March 31, 2024
Loan TypeCurrentGreater than 30 to 59 Days Past Due60 to 89 Days Past Due90 Days or Greater Past DueNon-accrualTotal
(in thousands)
Commercial real estate
Non-owner occupied term, net$17,630 $— $— $— $— $17,630 
Owner occupied term, net— — — — 534 534 
Commercial
Term, net478 — — — — 478 
Lines of credit & other, net6,695 — — — 144 6,839 
Leases & equipment finance, net687 98 — — — 785 
Residential
Mortgage, net8,636 — — — — 8,636 
Total loans and leases experiencing financial difficulty$34,126 $98 $— $— $678 $34,902 

For the three months ended March 31, 2023, all modified loans and leases were current and there were no loan or lease modifications made to borrowers experiencing financial difficulty that subsequently defaulted.
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 BasisRevolving to Non-Revolving Loans Amortized Cost
March 31, 202420242023202220212020PriorTotal
Commercial real estate:
Non-owner occupied term, net
Credit quality indicator:
Pass/Watch$46,778 $593,569 $1,319,246 $1,181,377 $661,282 $2,554,339 $51,836 $— $6,408,427 
Special mention— — 1,684 3,810 1,329 23,789 — — 30,612 
Substandard17,630 30,159 2,227 61 — 68,636 — — 118,713 
Loss— — — — — 16 — — 16 
Total non-owner occupied term, net$64,408 $623,728 $1,323,157 $1,185,248 $662,611 $2,646,780 $51,836 $— $6,557,768 
Current YTD period:
Gross charge-offs— — — — — 70 — — 70 
Owner occupied term, net
Credit quality indicator:
Pass/Watch$128,470 $520,659 $1,080,381 $955,675 $438,732 $1,857,268 $70,743 $56 $5,051,984 
Special mention264 1,308 5,834 7,600 5,776 32,124 1,929 — 54,835 
Substandard534 5,883 8,584 47,894 17,339 43,038 — — 123,272 
Doubtful— — — 189 — 29 — — 218 
Loss— — 963 — 404 — — — 1,367 
Total owner occupied term, net$129,268 $527,850 $1,095,762 $1,011,358 $462,251 $1,932,459 $72,672 $56 $5,231,676 
Current YTD period:
Gross charge-offs— — — — — 91 — — 91 
Multifamily, net
Credit quality indicator:
Pass/Watch$12,410 $278,014 $2,006,317 $1,739,778 $413,265 $1,311,940 $55,219 $228 $5,817,171 
Special mention— — — 1,272 940 6,429 — — 8,641 
Substandard— — — — — 3,148 — — 3,148 
Total multifamily, net$12,410 $278,014 $2,006,317 $1,741,050 $414,205 $1,321,517 $55,219 $228 $5,828,960 
Current YTD period:
Gross charge-offs— — — — — — — — — 
Construction & development, net
Credit quality indicator:
Pass/Watch$26,736 $319,263 $756,839 $442,504 $109,752 $26,211 $37,679 $— $1,718,984 
Special mention— — 1,464 8,204 — — — — 9,668 
Total construction & development, net$26,736 $319,263 $758,303 $450,708 $109,752 $26,211 $37,679 $— $1,728,652 
Current YTD period:
Gross charge-offs— — — — — — — — — 
Residential development, net
Credit quality indicator:
Pass/Watch$11,183 $88,861 $43,447 $14,947 $66 $1,151 $114,943 $9,519 $284,117 
Total residential development, net$11,183 $88,861 $43,447 $14,947 $66 $1,151 $114,943 $9,519 $284,117 
Current YTD period:
Gross charge-offs— — — — — — — — — 
Total commercial real estate$244,005 $1,837,716 $5,226,986 $4,403,311 $1,648,885 $5,928,118 $332,349 $9,803 $19,631,173 
(in thousands)Term Loans Amortized Cost Basis by Origination YearRevolving Loans Amortized Cost BasisRevolving to Non-Revolving Loans Amortized Cost
March 31, 202420242023202220212020PriorTotal
Commercial:
Term, net
Credit quality indicator:
Pass/Watch$142,479 $850,557 $1,179,718 $917,082 $406,535 $792,210 $1,121,858 $1,186 $5,411,625 
Special mention302 — 12,795 8,811 1,193 20,323 — — 43,424 
Substandard— 6,119 18,959 28,547 3,505 12,979 9,053 — 79,162 
Doubtful— — 54 4,836 1,625 729 — — 7,244 
Loss— — — 335 648 2,012 — — 2,995 
Total term, net$142,781 $856,676 $1,211,526 $959,611 $413,506 $828,253 $1,130,911 $1,186 $5,544,450 
Current YTD period:
Gross charge-offs— — 185 30 143 527 820 — 1,705 
Lines of credit & other, net
Credit quality indicator:
Pass/Watch$11,658 $100,991 $80,012 $49,341 $12,614 $25,815 $2,012,335 $12,559 $2,305,325 
Special mention— 712 1,489 397 — 91 33,055 732 36,476 
Substandard846 42,575 3,653 32 — 481 97,234 4,743 149,564 
Loss— — 191 — — 1 — — 192 
Total lines of credit & other, net$12,504 $144,278 $85,345 $49,770 $12,614 $26,388 $2,142,624 $18,034 $2,491,557 
Current YTD period:
Gross charge-offs— 85 163 — 4 140 17,399 574 18,365 
Leases & equipment finance, net
Credit quality indicator:
Pass/Watch$181,850 $606,855 $446,654 $171,616 $75,045 $80,587 $— $— $1,562,607 
Special mention111 47,131 16,026 5,717 1,581 981 — — 71,547 
Substandard832 4,399 10,865 4,483 1,243 1,535 — — 23,357 
Doubtful20 10,174 22,743 9,057 2,490 1,372 — — 45,856 
Loss— 897 1,772 497 128 98 — — 3,392 
Total leases & equipment finance, net$182,813 $669,456 $498,060 $191,370 $80,487 $84,573 $— $— $1,706,759 
Current YTD period:
Gross charge-offs— 3,780 14,362 5,938 1,865 1,217 — — 27,162 
Total commercial$338,098 $1,670,410 $1,794,931 $1,200,751 $506,607 $939,214 $3,273,535 $19,220 $9,742,766 
Residential:
Mortgage, net
Credit quality indicator:
Pass/Watch$6,689 $254,228 $1,845,613 $2,317,192 $515,012 $1,147,222 $— $— $6,085,956 
Special mention— 1,657 1,270 5,024 1,050 5,451 — — 14,452 
Substandard— 2,094 2,958 3,604 987 9,201 — — 18,844 
Loss— 1,031 2,803 3,880 134 1,784 — — 9,632 
Total mortgage, net$6,689 $259,010 $1,852,644 $2,329,700 $517,183 $1,163,658 $— $— $6,128,884 
Current YTD period:
Gross charge-offs— — — — — 368 — — 368 
(in thousands)Term Loans Amortized Cost Basis by Origination YearRevolving Loans Amortized Cost BasisRevolving to Non-Revolving Loans Amortized Cost
March 31, 202420242023202220212020PriorTotal
Home equity loans & lines, net
Credit quality indicator:
Pass/Watch$14 $896 $2,647 $1,749 $645 $47,880 $1,879,151 $5,842 $1,938,824 
Special mention— 28 253 28 — 964 6,845 38 8,156 
Substandard— — — 175 — 376 475 71 1,097 
Loss— — 200 — 101 430 1,219 394 2,344 
Total home equity loans & lines, net$14 $924 $3,100 $1,952 $746 $49,650 $1,887,690 $6,345 $1,950,421 
Current YTD period:
Gross charge-offs— — — — — 49 73 — 122 
Total residential$6,703 $259,934 $1,855,744 $2,331,652 $517,929 $1,213,308 $1,887,690 $6,345 $8,079,305 
Consumer & other, net:
Credit quality indicator:
Pass/Watch$16,391 $24,413 $13,490 $6,444 $4,458 $7,490 $114,815 $221 $187,722 
Special mention— 133 4 19 8 147 613 85 1,009 
Substandard— 13 38 — — 107 240 30 428 
Loss— — — — — 7 3 — 10 
Total consumer & other, net$16,391 $24,559 $13,532 $6,463 $4,466 $7,751 $115,671 $336 $189,169 
Current YTD period:
Gross charge-offs— 922 52 5 — 76 619 196 1,870 
Grand total$605,197 $3,792,619 $8,891,193 $7,942,177 $2,677,887 $8,088,391 $5,609,245 $35,704 $37,642,413 
(in thousands)Term Loans Amortized Cost Basis by Origination YearRevolving Loans Amortized Cost BasisRevolving to Non-Revolving Loans Amortized Cost
December 31, 202320232022202120202019PriorTotal
Commercial real estate:
Non-owner occupied term, net
Credit quality indicator:
Pass/Watch$582,178 $1,307,143 $1,182,485 $615,021 $764,821 $1,832,231 $41,194 $— $6,325,073 
Special mention— 317 3,478 1,337 2,480 16,352 — — 23,964 
Substandard32,461 749 — 1,090 35,214 64,304 — — 133,818 
Loss— — — — — 85 — — 85 
Total non-owner occupied term, net$614,639 $1,308,209 $1,185,963 $617,448 $802,515 $1,912,972 $41,194 $— $6,482,940 
Prior Year End period:
Gross charge-offs— — — — — — — — — 
Owner occupied term, net
Credit quality indicator:
Pass/Watch$532,482 $1,067,388 $972,130 $448,569 $581,616 $1,351,172 $67,063 $— $5,020,420 
Special mention1,575 5,950 6,175 4,945 14,610 15,513 1,932 — 50,700 
Substandard4,034 7,707 48,281 17,275 10,513 35,216 — — 123,026 
Doubtful— — — — — 90 — — 90 
Loss— 963 — 404 — 2 — — 1,369 
Total owner occupied term, net$538,091 $1,082,008 $1,026,586 $471,193 $606,739 $1,401,993 $68,995 $— $5,195,605 
Prior Year End period:
Gross charge-offs— 16 — — — 787 — — 803 
Multifamily, net
Credit quality indicator:
Pass/Watch$272,084 $1,982,075 $1,660,492 $400,280 $590,379 $745,705 $51,480 $— $5,702,495 
Special mention— — 1,278 — 961 — — — 2,239 
Total multifamily, net$272,084 $1,982,075 $1,661,770 $400,280 $591,340 $745,705 $51,480 $— $5,704,734 
Prior Year End period:
Gross charge-offs— — — — — — — — — 
Construction & development, net
Credit quality indicator:
Pass/Watch$248,623 $716,207 $530,305 $186,680 $21,990 $10,738 $31,289 $— $1,745,832 
Special mention— 1,470 — — — — — — 1,470 
Total construction & development, net$248,623 $717,677 $530,305 $186,680 $21,990 $10,738 $31,289 $— $1,747,302 
Prior Year End period:
Gross charge-offs— — — — — — — — — 
Residential development, net
Credit quality indicator:
Pass/Watch$90,241 $86,078 $22,271 $— $— $1,329 $116,490 $6,149 $322,558 
Special mention— — — — — — 1,341 — 1,341 
Total residential development, net$90,241 $86,078 $22,271 $— $— $1,329 $117,831 $6,149 $323,899 
Prior Year End period:
Gross charge-offs— — — — — — — — — 
Total commercial real estate$1,763,678 $5,176,047 $4,426,895 $1,675,601 $2,022,584 $4,072,737 $310,789 $6,149 $19,454,480 
(in thousands)Term Loans Amortized Cost Basis by Origination YearRevolving Loans Amortized Cost BasisRevolving to Non-Revolving Loans Amortized Cost
December 31, 202320232022202120202019PriorTotal
Commercial:
Term, net
Credit quality indicator:
Pass/Watch$835,662 $1,215,539 $933,970 $391,735 $271,974 $560,595 $1,097,630 $50,874 $5,357,979 
Special mention23,250 14,875 29,128 109 3,340 16,476 — — 87,178 
Substandard2,911 13,862 13,981 3,068 7,385 7,859 31,399 4,139 84,604 
Doubtful— 1,329 335 796 197 699 — — 3,356 
Loss— 415 — 648 51 2,534 — — 3,648 
Total term, net$861,823 $1,246,020 $977,414 $396,356 $282,947 $588,163 $1,129,029 $55,013 $5,536,765 
Prior Year End period:
Gross charge-offs3,000 1,418 — 415 389 886 44 808 6,960 
Lines of credit & other, net
Credit quality indicator:
Pass/Watch$105,360 $105,791 $58,441 $12,266 $10,927 $16,108 $1,922,115 $5,676 $2,236,684 
Special mention476 635 394 — — 80 61,927 403 63,915 
Substandard7,807 4,161 — — — 593 83,304 32,509 128,374 
Doubtful— — — — — — 48 211 259 
Loss— 693 200 — 1 1 — — 895 
Total lines of credit & other, net$113,643 $111,280 $59,035 $12,266 $10,928 $16,782 $2,067,394 $38,799 $2,430,127 
Prior Year End period:
Gross charge-offs30 168 — 47 144 45 1,058 1,809 3,301 
Leases & equipment finance, net
Credit quality indicator:
Pass/Watch$682,866 $501,867 $200,499 $92,402 $61,065 $33,908 $— $— $1,572,607 
Special mention46,806 15,962 6,182 1,688 7,224 77 — — 77,939 
Substandard7,094 15,274 6,704 2,163 1,246 1,161 — — 33,642 
Doubtful5,833 22,566 9,036 3,161 1,700 208 — — 42,504 
Loss395 1,485 581 292 58 9 — — 2,820 
Total leases & equipment finance, net$742,994 $557,154 $223,002 $99,706 $71,293 $35,363 $— $— $1,729,512 
Prior Year End period:
Gross charge-offs2,324 47,116 31,569 9,111 6,394 3,087 — — 99,601 
Total commercial$1,718,460 $1,914,454 $1,259,451 $508,328 $365,168 $640,308 $3,196,423 $93,812 $9,696,404 
Residential:
Mortgage, net
Credit quality indicator:
Pass/Watch$221,207 $1,845,395 $2,355,420 $521,177 $443,152 $735,801 $— $— $6,122,152 
Special mention1,125 916 1,737 651 1,156 4,109 — — 9,694 
Substandard1,851 2,617 2,826 787 1,759 8,746 — — 18,586 
Loss159 2,724 970 851 220 1,810 — — 6,734 
Total mortgage, net$224,342 $1,851,652 $2,360,953 $523,466 $446,287 $750,466 $— $— $6,157,166 
Prior Year End period:
Gross charge-offs— — — — — 6 — — 6 
(in thousands)Term Loans Amortized Cost Basis by Origination YearRevolving Loans Amortized Cost BasisRevolving to Non-Revolving Loans Amortized Cost
December 31, 202320232022202120202019PriorTotal
Home equity loans & lines, net
Credit quality indicator:
Pass/Watch$562 $1,242 $1,056 $100 $896 $35,677 $1,870,270 $17,807 $1,927,610 
Special mention— — — — 114 378 5,052 1,230 6,774 
Substandard— — — — 137 190 1,278 174 1,779 
Loss14 — — — — 85 1,286 618 2,003 
Total home equity loans & lines, net$576 $1,242 $1,056 $100 $1,147 $36,330 $1,877,886 $19,829 $1,938,166 
Prior Year End period:
Gross charge-offs— — 12 29 — 52 448 — 541 
Total residential$224,918 $1,852,894 $2,362,009 $523,566 $447,434 $786,796 $1,877,886 $19,829 $8,095,332 
Consumer & other, net:
Credit quality indicator:
Pass/Watch$39,977 $14,919 $7,132 $4,953 $3,441 $5,022 $118,125 $543 $194,112 
Special mention138 52 5 13 52 122 779 135 1,296 
Substandard— — — — 3 1 251 63 318 
Loss— — — — — 7 2 — 9 
Total consumer & other, net$40,115 $14,971 $7,137 $4,966 $3,496 $5,152 $119,157 $741 $195,735 
Prior Year End period:
Gross charge-offs3,313 132 23 20 29 288 1,485 472 5,762 
Grand total$3,747,171 $8,958,366 $8,055,492 $2,712,461 $2,838,682 $5,504,993 $5,504,255 $120,531 $37,441,951