Quarterly report pursuant to Section 13 or 15(d)

LOANS AND ALLOWANCE FOR LOAN AND LEASE LOSSES (Tables)

v3.22.1
LOANS AND ALLOWANCE FOR LOAN AND LEASE LOSSES (Tables)
3 Months Ended
Mar. 31, 2022
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, 2022 and December 31, 2021 (dollars in thousands):

March 31, 2022

    

December 31, 2021

Construction and Land Development

$

969,059

$

862,236

Commercial Real Estate - Owner Occupied

 

2,007,671

 

1,995,409

Commercial Real Estate - Non-Owner Occupied

 

3,875,681

 

3,789,377

Multifamily Real Estate

 

723,940

 

778,626

Commercial & Industrial(1)

 

2,540,680

 

2,542,243

Residential 1-4 Family - Commercial

 

569,801

 

607,337

Residential 1-4 Family - Consumer

 

824,163

 

816,524

Residential 1-4 Family - Revolving

 

568,403

 

560,796

Auto

 

499,855

 

461,052

Consumer

 

171,875

 

176,992

Other Commercial(2)

 

708,221

 

605,251

Total LHFI, net of deferred fees and costs(3)

13,459,349

13,195,843

Allowance for loan and lease losses

(102,591)

(99,787)

Total LHFI, net

$

13,356,758

$

13,096,056

(1) Commercial & industrial loans include approximately $66.3 million and $145.3 million in loans from the PPP at March 31, 2022 and December 31, 2021, respectively.

(2) Other commercial loans include approximately $1.1 million and $5.1 million in loans from the PPP at March 31, 2022 and December 31, 2021, respectively.

(3) Total loans include unamortized premiums and discounts, and unamortized deferred fees and costs totaling $44.0 million and $49.3 million as of March 31, 2022 and December 31, 2021, 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, 2022 (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

$

968,019

$

170

$

$

1

$

869

$

969,059

Commercial Real Estate - Owner Occupied

 

1,995,329

 

5,081

 

 

2,396

 

4,865

 

2,007,671

Commercial Real Estate - Non-Owner Occupied

 

3,870,357

 

79

 

223

 

1,735

 

3,287

 

3,875,681

Multifamily Real Estate

 

723,816

 

124

 

 

 

 

723,940

Commercial & Industrial

 

2,535,815

 

1,382

 

745

 

763

 

1,975

 

2,540,680

Residential 1-4 Family - Commercial

 

565,606

 

827

 

251

 

878

 

2,239

 

569,801

Residential 1-4 Family - Consumer

 

804,069

 

5,890

 

1,018

 

1,147

 

12,039

 

824,163

Residential 1-4 Family - Revolving

 

562,159

 

1,157

 

651

 

1,065

 

3,371

 

568,403

Auto

 

497,639

 

1,508

 

183

 

192

 

333

 

499,855

Consumer

 

171,083

 

467

 

201

 

70

 

54

 

171,875

Other Commercial

706,856

1,270

95

708,221

Total LHFI

$

13,400,748

$

17,955

$

3,367

$

8,247

$

29,032

$

13,459,349

% of total loans

99.56

%

0.13

%

0.03

%

0.06

%

0.22

%

100.00

%

The following table shows the aging of the Company’s loan portfolio, by class, at December 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

$

857,883

$

1,357

$

$

299

$

2,697

$

862,236

Commercial Real Estate - Owner Occupied

 

1,987,133

 

1,230

 

152

 

1,257

 

5,637

 

1,995,409

Commercial Real Estate - Non-Owner Occupied

 

3,783,211

 

1,965

 

127

 

433

 

3,641

 

3,789,377

Multifamily Real Estate

 

778,429

 

84

 

 

 

113

 

778,626

Commercial & Industrial

 

2,536,100

 

1,161

 

1,438

 

1,897

 

1,647

 

2,542,243

Residential 1-4 Family - Commercial

 

601,946

 

1,844

 

272

 

990

 

2,285

 

607,337

Residential 1-4 Family - Consumer

 

795,821

 

3,368

 

2,925

 

3,013

 

11,397

 

816,524

Residential 1-4 Family - Revolving

 

554,652

 

1,493

 

363

 

882

 

3,406

 

560,796

Auto

 

458,473

 

1,866

 

249

 

241

 

223

 

461,052

Consumer

 

175,943

 

689

 

186

 

120

 

54

 

176,992

Other Commercial

605,214

37

605,251

Total LHFI

$

13,134,805

$

15,094

$

5,712

$

9,132

$

31,100

$

13,195,843

% of total loans

99.54

%

0.11

%

0.04

%

0.07

%

0.24

%

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 December 31, 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, 2022 (dollars in thousands):

Nonaccrual

December 31, 2021

March 31, 2022

Nonaccrual With No ALLL

90 Days Past due and still Accruing

Construction and Land Development

$

2,697

$

869

$

$

1

Commercial Real Estate - Owner Occupied

5,637

4,865

970

2,396

Commercial Real Estate - Non-Owner Occupied

3,641

3,287

1,089

1,735

Multifamily Real Estate

113

Commercial & Industrial

1,647

1,975

1

763

Residential 1-4 Family - Commercial

2,285

2,239

878

Residential 1-4 Family - Consumer

11,397

12,039

1

1,147

Residential 1-4 Family - Revolving

3,406

3,371

1,065

Auto

223

333

192

Consumer

54

54

70

Total LHFI

$

31,100

$

29,032

$

2,061

$

8,247

The following table shows the Company’s amortized cost basis of loans on nonaccrual status as of December 31, 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, 2021 (dollars in thousands):

Nonaccrual

December 31, 2020

December 31, 2021

Nonaccrual With No ALLL

90 Days Past due and still Accruing

Construction and Land Development

$

3,072

$

2,697

$

1,985

$

299

Commercial Real Estate - Owner Occupied

7,128

5,637

970

1,257

Commercial Real Estate - Non-Owner Occupied

2,317

3,641

1,089

433

Multifamily Real Estate

33

113

Commercial & Industrial

2,107

1,647

1

1,897

Residential 1-4 Family - Commercial

9,993

2,285

990

Residential 1-4 Family - Consumer

12,600

11,397

3,013

Residential 1-4 Family - Revolving

4,629

3,406

882

Auto

500

223

241

Consumer

69

54

120

Total LHFI

$

42,448

$

31,100

$

4,045

$

9,132

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, 2022 and December 31, 2021 (dollars in thousands):

March 31, 2022

December 31, 2021

    

No. of

    

Recorded

    

Outstanding

    

No. of

    

Recorded

    

Outstanding

Loans

Investment

Commitment

Loans

Investment

Commitment

Performing

 

  

 

  

 

  

 

  

 

  

 

  

Construction and Land Development

 

4

$

198

$

 

4

$

201

$

Commercial Real Estate - Owner Occupied

 

2

 

1,020

 

 

3

 

572

 

Residential 1-4 Family - Commercial

 

2

 

1,589

 

 

 

 

Residential 1-4 Family - Consumer

 

76

 

8,839

 

 

75

 

9,021

 

Residential 1-4 Family - Revolving

 

3

 

263

 

4

 

3

 

265

 

4

Consumer

 

2

 

14

 

 

2

 

15

 

Other Commercial

1

234

1

239

Total performing

 

90

$

12,157

$

4

 

88

$

10,313

$

4

Nonperforming

 

  

 

  

 

  

 

  

 

  

 

  

Commercial Real Estate - Owner Occupied

 

1

$

17

$

 

2

$

830

$

Commercial Real Estate - Non-Owner Occupied

3

1,348

3

1,357

Commercial & Industrial

 

3

 

672

 

 

3

 

729

 

Residential 1-4 Family - Commercial

 

3

 

383

 

 

3

 

388

 

Residential 1-4 Family - Consumer

 

25

 

5,031

 

 

24

 

4,239

 

Residential 1-4 Family - Revolving

 

3

 

101

 

 

3

 

99

 

Total nonperforming

 

38

$

7,552

$

 

38

$

7,642

$

Total performing and nonperforming

 

128

$

19,709

$

4

 

126

$

17,955

$

4

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, 2022 and 2021 (dollars in thousands):

Three Months Ended March 31, 2022

Three Months Ended March 31, 2021

    

    

Recorded

    

    

Recorded

    

No. of

Investment at

No. of

Investment at

Loans

Period End

Loans

Period End

Modified to interest only, at a market rate

 

  

 

  

 

  

 

  

 

Residential 1-4 Family - Commercial

1

$

1,334

$

Total interest only at market rate of interest

 

1

$

1,334

 

$

 

Term modification, at a market rate

 

  

 

  

 

  

 

  

 

Commercial Real Estate - Owner Occupied

 

1

$

778

 

$

 

Residential 1-4 Family - Consumer

2

105

Total loan term extended at a market rate

 

1

$

778

 

2

$

105

 

Term modification, below market rate

 

  

 

  

 

  

 

  

 

Residential 1-4 Family - Commercial

1

$

256

$

Residential 1-4 Family - Consumer

 

6

862

 

9

472

 

Consumer

 

 

 

1

 

16

 

Total loan term extended at a below market rate

 

7

$

1,118

 

10

$

488

 

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

 

9

$

3,230

 

13

$

638

 

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

The following table shows the ALLL activity by loan segment for the three months ended March 31, 2022 and 2021 (dollars in thousands):

Three Months Ended March 31, 2022

Three Months Ended March 31, 2021

Commercial

Consumer

Total

    

Commercial

Consumer

Total

Balance at beginning of period

$

77,902

$

21,885

$

99,787

$

117,403

$

43,137

$

160,540

Loans charged-off

 

(759)

 

(750)

 

(1,509)

 

 

(1,974)

 

(1,667)

 

(3,641)

Recoveries credited to allowance

 

726

 

787

 

1,513

 

1,606

 

863

 

2,469

Provision charged to operations

 

1,902

 

898

 

2,800

 

 

(10,603)

 

(5,854)

 

(16,457)

Balance at end of period

$

79,771

$

22,820

$

102,591

 

$

106,432

$

36,479

$

142,911

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, 2022 (dollars in thousands):

March 31, 2022

Term Loans Amortized Cost Basis by Origination Year

2022

2021

2020

2019

2018

Prior

Revolving Loans

Total

Construction and Land Development

Pass

$

61,043

$

485,263

$

228,686

$

43,377

$

38,969

$

46,520

$

22,398

$

926,256

Watch

552

237

10,876

126

3,151

14,942

Special Mention

658

658

Substandard

279

3,673

1

218

19,434

3,598

27,203

Total Construction and Land Development

$

61,322

$

489,488

$

228,924

$

54,471

$

58,529

$

53,927

$

22,398

$

969,059

Commercial Real Estate - Owner Occupied

Pass

$

91,850

$

216,755

$

273,443

$

311,840

$

246,729

$

720,355

$

18,716

$

1,879,688

Watch

700

182

4,012

13,611

10,452

56,869

701

86,527

Special Mention

650

286

9,672

607

9,337

500

21,052

Substandard

200

2,877

1,648

15,037

642

20,404

Total Commercial Real Estate - Owner Occupied

$

93,200

$

217,137

$

277,741

$

338,000

$

259,436

$

801,598

$

20,559

$

2,007,671

Commercial Real Estate - Non-Owner Occupied

Pass

$

184,450

$

640,903

$

407,354

$

519,513

$

395,907

$

1,488,880

$

40,029

$

3,677,036

Watch

2,152

833

25,867

20,593

50,796

13

100,254

Special Mention

310

10,583

18,854

20,754

9,394

59,895

Substandard

23,195

400

14,749

152

38,496

Total Commercial Real Estate - Non-Owner Occupied

$

184,760

$

643,055

$

418,770

$

587,429

$

437,654

$

1,563,819

$

40,194

$

3,875,681

Commercial & Industrial

Pass

$

152,567

$

654,531

$

406,607

$

270,464

$

106,522

$

167,277

$

691,191

$

2,449,159

Watch

373

1,166

5,951

2,556

14,315

4,014

6,583

34,958

Special Mention

492

1,284

7,278

481

1,008

5,493

16,036

Substandard

451

6,548

4,304

15,398

1,730

12,096

40,527

Total Commercial & Industrial

$

152,940

$

656,640

$

420,390

$

284,602

$

136,716

$

174,029

$

715,363

$

2,540,680

Multifamily Real Estate

Pass

$

2,165

$

63,181

$

189,952

$

65,004

$

113,421

$

284,473

$

1,553

$

719,749

Watch

357

454

436

1,247

Special Mention

2,235

618

91

2,944

Substandard

Total Multifamily Real Estate

$

2,165

$

63,181

$

192,187

$

65,979

$

113,875

$

285,000

$

1,553

$

723,940

Residential 1-4 Family - Commercial

Pass

$

11,521

$

104,567

$

87,934

$

58,117

$

42,770

$

232,124

$

893

$

537,926

Watch

2,033

879

7,464

7,930

117

18,423

Special Mention

96

429

3,440

3,965

Substandard

92

3,222

528

5,346

299

9,487

Total Residential 1-4 Family - Commercial

$

11,521

$

104,659

$

90,063

$

62,218

$

51,191

$

248,840

$

1,309

$

569,801

Other Commercial

Pass

$

70,632

$

222,540

$

162,150

$

118,741

$

5,508

$

78,886

$

43,320

$

701,777

Watch

567

5,548

6,115

Special Mention

95

95

Substandard

234

234

Total Other Commercial

$

70,632

$

222,540

$

162,150

$

118,741

$

6,075

$

84,668

$

43,415

$

708,221

Total Commercial

Pass

$

574,228

$

2,387,740

$

1,756,126

$

1,387,056

$

949,826

$

3,018,515

$

818,100

$

10,891,591

Watch

1,073

4,052

13,066

54,146

53,971

128,744

7,414

262,466

Special Mention

960

492

14,484

36,422

22,271

23,928

6,088

104,645

Substandard

279

4,416

6,549

33,816

37,408

40,694

13,189

136,351

Total Commercial

$

576,540

$

2,396,700

$

1,790,225

$

1,511,440

$

1,063,476

$

3,211,881

$

844,791

$

11,395,053

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, 2021 (dollars in thousands):

December 31, 2021

Term Loans Amortized Cost Basis by Origination Year

2021

2020

2019

2018

2017

Prior

Revolving Loans

Total

Construction and Land Development

Pass

$

430,764

$

218,672

$

39,937

$

40,128

$

11,299

$

50,908

$

22,996

$

814,704

Watch

395

185

12,923

129

349

4,026

18,007

Special Mention

735

735

Substandard

3,541

1

221

19,264

198

5,565

28,790

Total Construction and Land Development

$

434,700

$

218,858

$

53,081

$

59,521

$

11,846

$

61,234

$

22,996

$

862,236

Commercial Real Estate - Owner Occupied

Pass

$

222,079

$

279,165

$

321,503

$

263,422

$

179,994

$

555,540

$

19,705

$

1,841,408

Watch

185

18

7,959

10,875

14,648

57,466

702

91,853

Special Mention

932

11,826

610

1,052

19,480

507

34,407

Substandard

200

153

7,455

2,538

1,935

14,834

626

27,741

Total Commercial Real Estate - Owner Occupied

$

222,464

$

280,268

$

348,743

$

277,445

$

197,629

$

647,320

$

21,540

$

1,995,409

Commercial Real Estate - Non-Owner Occupied

Pass

$

642,386

$

421,063

$

520,035

$

377,176

$

374,949

$

1,102,193

$

36,568

$

3,474,370

Watch

2,152

841

35,721

39,356

18,242

101,797

14

198,123

Special Mention

10,609

25,691

20,119

12,741

4,775

73,935

Substandard

23,376

11,369

7,952

252

42,949

Total Commercial Real Estate - Non-Owner Occupied

$

644,538

$

432,513

$

604,823

$

448,020

$

405,932

$

1,216,717

$

36,834

$

3,789,377

Commercial & Industrial

Pass

$

770,662

$

450,478

$

287,926

$

110,710

$

38,395

$

170,857

$

619,583

$

2,448,611

Watch

1,233

9,641

2,766

31,635

1,370

4,405

17,220

68,270

Special Mention

206

935

8,477

1,023

564

561

3,249

15,015

Substandard

379

575

3,636

1,965

463

1,639

1,690

10,347

Total Commercial & Industrial

$

772,480

$

461,629

$

302,805

$

145,333

$

40,792

$

177,462

$

641,742

$

2,542,243

Multifamily Real Estate

Pass

$

63,431

$

187,616

$

108,402

$

114,077

$

66,562

$

228,013

$

1,548

$

769,649

Watch

359

459

522

1,340

Special Mention

44

2,248

624

4,517

91

7,524

Substandard

113

113

Total Multifamily Real Estate

$

63,475

$

189,864

$

109,385

$

119,053

$

66,562

$

228,739

$

1,548

$

778,626

Residential 1-4 Family - Commercial

Pass

$

108,259

$

94,184

$

65,682

$

46,267

$

55,995

$

196,052

$

550

$

566,989

Watch

2,041

4,887

7,483

2,415

7,573

311

24,710

Special Mention

96

436

391

4,126

5,049

Substandard

93

3,494

536

1,291

4,876

299

10,589

Total Residential 1-4 Family - Commercial

$

108,352

$

96,321

$

74,063

$

54,722

$

60,092

$

212,627

$

1,160

$

607,337

Other Commercial

Pass

$

226,595

$

167,497

$

98,848

$

5,620

$

25,723

$

44,114

$

30,445

$

598,842

Watch

581

1,246

4,341

6,168

Special Mention

2

2

Substandard

239

239

Total Other Commercial

$

226,595

$

167,497

$

98,848

$

6,201

$

26,971

$

48,694

$

30,445

$

605,251

Total Commercial

Pass

$

2,464,176

$

1,818,675

$

1,442,333

$

957,400

$

752,917

$

2,347,677

$

731,395

$

10,514,573

Watch

3,965

12,726

64,615

90,518

38,270

180,130

18,247

408,471

Special Mention

250

14,820

46,618

26,705

14,750

29,768

3,756

136,667

Substandard

4,213

729

38,182

35,672

3,887

35,218

2,867

120,768

Total Commercial

$

2,472,604

$

1,846,950

$

1,591,748

$

1,110,295

$

809,824

$

2,592,793

$

756,265

$

11,180,479

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, 2022 (dollars in thousands):

March 31, 2022

Term Loans Amortized Cost Basis by Origination Year

2022

2021

2020

2019

2018

Prior

Revolving Loans

Total

Residential 1-4 Family - Consumer

Current

$

54,254

$

245,445

$

167,608

$

42,408

$

26,370

$

267,973

$

11

$

804,069

30-59 Days Past Due

972

289

752

3,877

5,890

60-89 Days Past Due

249

66

703

1,018

90+ Days Past Due

45

1,102

1,147

Nonaccrual

436

113

870

10,620

12,039

Total Residential 1-4 Family - Consumer

$

54,254

$

245,881

$

168,829

$

42,921

$

27,992

$

284,275

$

11

$

824,163

Residential 1-4 Family - Revolving

Current

$

30,547

$

16,011

$

8,979

$

1,869

$

916

$

482

$

503,355

$

562,159

30-59 Days Past Due

1,157

1,157

60-89 Days Past Due

651

651

90+ Days Past Due

1,065

1,065

Nonaccrual

61

17

3,293

3,371

Total Residential 1-4 Family - Revolving

$

30,547

$

16,011

$

9,040

$

1,869

$

933

$

482

$

509,521

$

568,403

Auto

Current

$

75,173

$

201,289

$

111,697

$

64,359

$

27,115

$

18,006

$

$

497,639

30-59 Days Past Due

96

371

288

256

160

337

1,508

60-89 Days Past Due

54

107

15

7

183

90+ Days Past Due

47

40

40

36

29

192

Nonaccrual

55

163

43

24

48

333

Total Auto

$

75,269

$

201,762

$

112,242

$

64,805

$

27,350

$

18,427

$

$

499,855

Consumer

Current

$

14,212

$

21,042

$

14,440

$

33,778

$

26,135

$

25,747

$

35,729

$

171,083

30-59 Days Past Due

21

56

115

113

150

12

467

60-89 Days Past Due

3

15

48

106

29

201

90+ Days Past Due

3

10

40

17

70

Nonaccrual

54

54

Total Consumer

$

14,212

$

21,069

$

14,511

$

33,951

$

26,394

$

25,980

$

35,758

$

171,875

Total Consumer

Current

$

174,186

$

483,787

$

302,724

$

142,414

$

80,536

$

312,208

$

539,095

$

2,034,950

30-59 Days Past Due

96

392

1,316

660

1,025

4,364

1,169

9,022

60-89 Days Past Due

3

318

221

121

739

651

2,053

90+ Days Past Due

50

40

95

76

1,131

1,082

2,474

Nonaccrual

491

224

156

911

10,722

3,293

15,797

Total Consumer

$

174,282

$

484,723

$

304,622

$

143,546

$

82,669

$

329,164

$

545,290

$

2,064,296

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, 2021 (dollars in thousands):

December 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

$

248,904

$

174,459

$

47,905

$

33,809

$

44,179

$

246,554

$

11

$

795,821

30-59 Days Past Due

157

143

807

460

1,801

3,368

60-89 Days Past Due

624

107

2,194

2,925

90+ Days Past Due

46

20

304

2,643

3,013

Nonaccrual

444

117

884

1,330

8,622

11,397

Total Residential 1-4 Family - Consumer

$

249,348

$

174,616

$

48,211

$

36,144

$

46,380

$

261,814

$

11

$

816,524

Residential 1-4 Family - Revolving

Current

$

16,546

$

9,511

$

2,230

$

1,056

$

$

484

$

524,825

$

554,652

30-59 Days Past Due

1,493

1,493

60-89 Days Past Due

363

363

90+ Days Past Due

882

882

Nonaccrual

63

18

3,325

3,406

Total Residential 1-4 Family - Revolving

$

16,546

$

9,574

$

2,230

$

1,074

$

$

484

$

530,888

$

560,796

Auto

Current

$

207,229

$

123,848

$

72,427

$

31,745

$

16,020

$

7,204

$

$

458,473

30-59 Days Past Due

299

382

518

259

245

163

1,866

60-89 Days Past Due

45

29

95

33

36

11

249

90+ Days Past Due

55

101

42

20

23

241

Nonaccrual

81

55

27

27

33

223

Total Auto

$

207,628

$

124,441

$

73,137

$

32,084

$

16,351

$

7,411

$

$

461,052

Consumer

Current

$

25,084

$

16,059

$

38,594

$

30,890

$

12,853

$

16,929

$

35,534

$

175,943

30-59 Days Past Due

31

94

201

186

63

26

88

689

60-89 Days Past Due

11

13

62

60

34

6

186

90+ Days Past Due

1

4

33

72

8

2

120

Nonaccrual

54

54

Total Consumer

$

25,127

$

16,170

$

38,890

$

31,208

$

12,958

$

17,009

$

35,630

$

176,992

Total Consumer

Current

$

497,763

$

323,877

$

161,156

$

97,500

$

73,052

$

271,171

$

560,370

$

1,984,889

30-59 Days Past Due

330

633

862

1,252

768

1,990

1,581

7,416

60-89 Days Past Due

56

42

157

717

177

2,205

369

3,723

90+ Days Past Due

56

105

121

112

335

2,643

884

4,256

Nonaccrual

444

144

172

929

1,357

8,709

3,325

15,080

Total Consumer

$

498,649

$

324,801

$

162,468

$

100,510

$

75,689

$

286,718

$

566,529

$

2,015,364