LOANS AND ALLOWANCE FOR LOAN AND LEASE LOSSES (Tables)
|
12 Months Ended |
Dec. 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 consisted of the following at December 31, 2022 and 2021 (dollars in thousands):
|
|
|
|
|
|
|
|
|
2022 |
|
2021 |
Construction and Land Development |
|
$ |
1,101,260 |
|
$ |
862,236 |
Commercial Real Estate - Owner Occupied |
|
|
1,982,608 |
|
|
1,995,409 |
Commercial Real Estate - Non-Owner Occupied |
|
|
3,996,130 |
|
|
3,789,377 |
Multifamily Real Estate |
|
|
802,923 |
|
|
778,626 |
Commercial & Industrial(1) |
|
|
2,983,349 |
|
|
2,542,243 |
Residential 1-4 Family - Commercial |
|
|
538,063 |
|
|
607,337 |
Residential 1-4 Family - Consumer |
|
|
940,275 |
|
|
816,524 |
Residential 1-4 Family - Revolving |
|
|
585,184 |
|
|
560,796 |
Auto |
|
|
592,976 |
|
|
461,052 |
Consumer |
|
|
152,545 |
|
|
176,992 |
Other Commercial(2) |
|
|
773,829 |
|
|
605,251 |
Total LHFI, net of deferred fees and costs(3) |
|
|
14,449,142 |
|
|
13,195,843 |
Allowance for loan and lease losses |
|
|
(110,768) |
|
|
(99,787) |
Total LHFI, net |
|
$ |
14,338,374 |
|
$ |
13,096,056 |
(1) Commercial & industrial loans included approximately $7.3 million and $145.3 million in loans from the PPP at December 31, 2022 and December 31, 2021, respectively.
(2) There were no loans from the PPP included in other commercial loans as of December 31, 2022. As of December 31, 2021, other commercial loans include approximately $5.1 million in loans from the PPP.
(3) Total loans included unamortized premiums and discounts, and unamortized deferred fees and costs totaling $50.4 million and $49.3 million as of December 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 December 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 |
|
$ |
1,099,555 |
|
$ |
1,253 |
|
$ |
45 |
|
$ |
100 |
|
$ |
307 |
|
$ |
1,101,260 |
|
Commercial Real Estate - Owner Occupied |
|
|
1,970,323 |
|
|
2,305 |
|
|
635 |
|
|
2,167 |
|
|
7,178 |
|
|
1,982,608 |
|
Commercial Real Estate - Non-Owner Occupied |
|
|
3,993,091 |
|
|
1,121 |
|
|
48 |
|
|
607 |
|
|
1,263 |
|
|
3,996,130 |
|
Multifamily Real Estate |
|
|
801,694 |
|
|
1,229 |
|
|
— |
|
|
— |
|
|
— |
|
|
802,923 |
|
Commercial & Industrial |
|
|
2,980,008 |
|
|
824 |
|
|
174 |
|
|
459 |
|
|
1,884 |
|
|
2,983,349 |
|
Residential 1-4 Family - Commercial |
|
|
534,653 |
|
|
1,231 |
|
|
— |
|
|
275 |
|
|
1,904 |
|
|
538,063 |
|
Residential 1-4 Family - Consumer |
|
|
919,833 |
|
|
5,951 |
|
|
1,690 |
|
|
1,955 |
|
|
10,846 |
|
|
940,275 |
|
Residential 1-4 Family - Revolving |
|
|
577,993 |
|
|
1,843 |
|
|
511 |
|
|
1,384 |
|
|
3,453 |
|
|
585,184 |
|
Auto |
|
|
589,235 |
|
|
2,747 |
|
|
450 |
|
|
344 |
|
|
200 |
|
|
592,976 |
|
Consumer |
|
|
151,958 |
|
|
351 |
|
|
125 |
|
|
108 |
|
|
3 |
|
|
152,545 |
|
Other Commercial |
|
|
773,738 |
|
|
— |
|
|
— |
|
|
91 |
|
|
— |
|
|
773,829 |
|
Total LHFI, net of deferred fees and costs |
|
$ |
14,392,081 |
|
$ |
18,855 |
|
$ |
3,678 |
|
$ |
7,490 |
|
$ |
27,038 |
|
$ |
14,449,142 |
|
% of total loans |
|
|
99.60 |
% |
|
0.13 |
% |
|
0.03 |
% |
|
0.05 |
% |
|
0.19 |
% |
|
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, net of deferred fees and costs |
|
$ |
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 and loans past due 90 days and still accruing as of December 31, 2022 (dollars in thousands):
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Nonaccrual |
|
Nonaccrual With No ALLL |
|
90 Days Past due and still Accruing |
Construction and Land Development |
|
$ |
307 |
|
$ |
— |
|
$ |
100 |
Commercial Real Estate - Owner Occupied |
|
|
7,178 |
|
|
908 |
|
|
2,167 |
Commercial Real Estate - Non-Owner Occupied |
|
|
1,263 |
|
|
— |
|
|
607 |
Commercial & Industrial |
|
|
1,884 |
|
|
1 |
|
|
459 |
Residential 1-4 Family - Commercial |
|
|
1,904 |
|
|
— |
|
|
275 |
Residential 1-4 Family - Consumer |
|
|
10,846 |
|
|
— |
|
|
1,955 |
Residential 1-4 Family - Revolving |
|
|
3,453 |
|
|
— |
|
|
1,384 |
Auto |
|
|
200 |
|
|
— |
|
|
344 |
Consumer |
|
|
3 |
|
|
— |
|
|
108 |
Other Commercial |
|
|
— |
|
|
— |
|
|
91 |
Total LHFI |
|
$ |
27,038 |
|
$ |
909 |
|
$ |
7,490 |
The following table shows the Company’s 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 |
|
Nonaccrual With No ALLL |
|
90 Days Past due and still Accruing |
Construction and Land Development |
|
$ |
2,697 |
|
$ |
1,985 |
|
$ |
299 |
Commercial Real Estate - Owner Occupied |
|
|
5,637 |
|
|
970 |
|
|
1,257 |
Commercial Real Estate - Non-Owner Occupied |
|
|
3,641 |
|
|
1,089 |
|
|
433 |
Multifamily Real Estate |
|
|
113 |
|
|
— |
|
|
— |
Commercial & Industrial |
|
|
1,647 |
|
|
1 |
|
|
1,897 |
Residential 1-4 Family - Commercial |
|
|
2,285 |
|
|
— |
|
|
990 |
Residential 1-4 Family - Consumer |
|
|
11,397 |
|
|
— |
|
|
3,013 |
Residential 1-4 Family - Revolving |
|
|
3,406 |
|
|
— |
|
|
882 |
Auto |
|
|
223 |
|
|
— |
|
|
241 |
Consumer |
|
|
54 |
|
|
— |
|
|
120 |
Total LHFI |
|
$ |
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 December 31, 2022 and 2021 (dollars in thousands):
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
December 31, 2022 |
|
December 31, 2021 |
|
|
No. of |
|
Recorded |
|
Outstanding |
|
No. of |
|
Recorded |
|
Outstanding |
|
|
Loans |
|
Investment |
|
Commitment |
|
Loans |
|
Investment |
|
Commitment |
Performing |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Construction and Land Development |
|
3 |
|
$ |
155 |
|
$ |
— |
|
4 |
|
$ |
201 |
|
$ |
— |
Commercial Real Estate - Owner Occupied |
|
2 |
|
|
997 |
|
|
— |
|
3 |
|
|
572 |
|
|
— |
Commercial & Industrial |
|
1 |
|
|
93 |
|
|
— |
|
— |
|
|
— |
|
|
— |
Residential 1-4 Family - Consumer |
|
83 |
|
|
7,761 |
|
|
— |
|
75 |
|
|
9,021 |
|
|
— |
Residential 1-4 Family - Revolving |
|
3 |
|
|
254 |
|
|
5 |
|
3 |
|
|
265 |
|
|
4 |
Consumer |
|
1 |
|
|
13 |
|
|
— |
|
2 |
|
|
15 |
|
|
— |
Other Commercial |
|
— |
|
|
— |
|
|
— |
|
1 |
|
|
239 |
|
|
— |
Total performing |
|
93 |
|
$ |
9,273 |
|
$ |
5 |
|
88 |
|
$ |
10,313 |
|
$ |
4 |
Nonperforming |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Commercial Real Estate - Owner Occupied |
|
1 |
|
$ |
15 |
|
$ |
— |
|
2 |
|
$ |
830 |
|
$ |
— |
Commercial Real Estate - Non-Owner Occupied |
|
2 |
|
|
233 |
|
|
— |
|
3 |
|
|
1,357 |
|
|
— |
Commercial & Industrial |
|
2 |
|
|
375 |
|
|
— |
|
3 |
|
|
729 |
|
|
— |
Residential 1-4 Family - Commercial |
|
3 |
|
|
332 |
|
|
— |
|
3 |
|
|
388 |
|
|
— |
Residential 1-4 Family - Consumer |
|
23 |
|
|
3,869 |
|
|
— |
|
24 |
|
|
4,239 |
|
|
— |
Residential 1-4 Family - Revolving |
|
3 |
|
|
93 |
|
|
— |
|
3 |
|
|
99 |
|
|
— |
Total nonperforming |
|
34 |
|
$ |
4,917 |
|
$ |
— |
|
38 |
|
$ |
7,642 |
|
$ |
— |
Total performing and nonperforming |
|
127 |
|
$ |
14,190 |
|
$ |
5 |
|
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 years ended December 31, 2022 and 2021 (dollars in thousands):
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
2022 |
|
2021 |
|
|
|
|
|
Recorded |
|
|
|
Recorded |
|
|
|
No. of |
|
Investment at |
|
No. of |
|
Investment at |
|
|
|
Loans |
|
Period End |
|
Loans |
|
Period End |
|
Term modification, at a market rate |
|
|
|
|
|
|
|
|
|
|
|
Commercial Real Estate - Owner Occupied |
|
1 |
|
$ |
766 |
|
— |
|
$ |
— |
|
Commercial Real Estate - Non-Owner Occupied |
|
— |
|
|
— |
|
1 |
|
|
153 |
|
Residential 1-4 Family - Consumer |
|
— |
|
|
— |
|
2 |
|
|
101 |
|
Total loan term extended at a market rate |
|
1 |
|
$ |
766 |
|
3 |
|
$ |
254 |
|
|
|
|
|
|
|
|
|
|
|
|
|
Term modification, below market rate |
|
|
|
|
|
|
|
|
|
|
|
Residential 1-4 Family - Consumer |
|
21 |
|
$ |
1,524 |
|
12 |
|
$ |
1,810 |
|
Consumer |
|
— |
|
|
— |
|
1 |
|
|
15 |
|
Total loan term extended at a below market rate |
|
21 |
|
$ |
1,524 |
|
13 |
|
$ |
1,825 |
|
|
|
|
|
|
|
|
|
|
|
|
|
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 |
|
22 |
|
$ |
2,290 |
|
17 |
|
$ |
2,124 |
|
|
| 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 loan segment for the years ended December 31, 2022 and 2021 (dollars in thousands):
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Year Ended December 31, 2022 |
|
Year Ended December 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 |
|
|
(4,137) |
|
|
(3,272) |
|
|
(7,409) |
|
|
(5,186) |
|
|
(4,897) |
|
|
(10,083) |
Recoveries credited to allowance |
|
|
2,426 |
|
|
2,650 |
|
|
5,076 |
|
|
4,915 |
|
|
3,303 |
|
|
8,218 |
Provision charged to operations |
|
|
6,562 |
|
|
6,752 |
|
|
13,314 |
|
|
(39,230) |
|
|
(19,658) |
|
|
(58,888) |
Balance at end of period |
|
$ |
82,753 |
|
$ |
28,015 |
|
$ |
110,768 |
|
$ |
77,902 |
|
$ |
21,885 |
|
$ |
99,787 |
|
| 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 December 31, 2022 (dollars in thousands):
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
December 31, 2022 |
|
|
|
Term Loans Amortized Cost Basis by Origination Year |
|
|
|
|
|
|
|
|
2022 |
|
2021 |
|
2020 |
|
2019 |
|
2018 |
|
Prior |
|
Revolving Loans |
|
Total |
Construction and Land Development |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Pass |
|
$ |
357,688 |
|
$ |
499,738 |
|
$ |
107,559 |
|
$ |
17,191 |
|
$ |
33,801 |
|
$ |
36,335 |
|
$ |
34,345 |
|
$ |
1,086,657 |
Watch |
|
|
242 |
|
|
1,637 |
|
|
— |
|
|
— |
|
|
115 |
|
|
1,669 |
|
|
— |
|
|
3,663 |
Special Mention |
|
|
2,843 |
|
|
411 |
|
|
— |
|
|
— |
|
|
— |
|
|
93 |
|
|
— |
|
|
3,347 |
Substandard |
|
|
1,254 |
|
|
3,148 |
|
|
40 |
|
|
211 |
|
|
1,345 |
|
|
1,595 |
|
|
— |
|
|
7,593 |
Total Construction and Land Development |
|
$ |
362,027 |
|
$ |
504,934 |
|
$ |
107,599 |
|
$ |
17,402 |
|
$ |
35,261 |
|
$ |
39,692 |
|
$ |
34,345 |
|
$ |
1,101,260 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Commercial Real Estate - Owner Occupied |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Pass |
|
$ |
258,953 |
|
$ |
215,414 |
|
$ |
257,740 |
|
$ |
282,110 |
|
$ |
228,410 |
|
$ |
624,238 |
|
$ |
17,190 |
|
$ |
1,884,055 |
Watch |
|
|
1,060 |
|
|
176 |
|
|
2,437 |
|
|
9,567 |
|
|
9,736 |
|
|
31,331 |
|
|
916 |
|
|
55,223 |
Special Mention |
|
|
— |
|
|
256 |
|
|
— |
|
|
93 |
|
|
1,332 |
|
|
18,766 |
|
|
132 |
|
|
20,579 |
Substandard |
|
|
— |
|
|
2,565 |
|
|
474 |
|
|
4,728 |
|
|
1,591 |
|
|
12,979 |
|
|
414 |
|
|
22,751 |
Total Commercial Real Estate - Owner Occupied |
|
$ |
260,013 |
|
$ |
218,411 |
|
$ |
260,651 |
|
$ |
296,498 |
|
$ |
241,069 |
|
$ |
687,314 |
|
$ |
18,652 |
|
$ |
1,982,608 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Commercial Real Estate - Non-Owner Occupied |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Pass |
|
$ |
496,079 |
|
$ |
661,977 |
|
$ |
385,084 |
|
$ |
517,834 |
|
$ |
373,126 |
|
$ |
1,389,507 |
|
$ |
34,804 |
|
$ |
3,858,411 |
Watch |
|
|
— |
|
|
2,151 |
|
|
2,091 |
|
|
11,915 |
|
|
19,550 |
|
|
20,683 |
|
|
2 |
|
|
56,392 |
Special Mention |
|
|
232 |
|
|
— |
|
|
— |
|
|
25,578 |
|
|
702 |
|
|
7,381 |
|
|
— |
|
|
33,893 |
Substandard |
|
|
— |
|
|
— |
|
|
10,460 |
|
|
3,083 |
|
|
29,012 |
|
|
4,879 |
|
|
— |
|
|
47,434 |
Total Commercial Real Estate - Non-Owner Occupied |
|
$ |
496,311 |
|
$ |
664,128 |
|
$ |
397,635 |
|
$ |
558,410 |
|
$ |
422,390 |
|
$ |
1,422,450 |
|
$ |
34,806 |
|
$ |
3,996,130 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Commercial & Industrial |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Pass |
|
$ |
849,547 |
|
$ |
536,982 |
|
$ |
262,093 |
|
$ |
182,263 |
|
$ |
67,648 |
|
$ |
120,326 |
|
$ |
846,059 |
|
$ |
2,864,918 |
Watch |
|
|
1,399 |
|
|
1,305 |
|
|
18,682 |
|
|
5,039 |
|
|
12,843 |
|
|
1,984 |
|
|
41,836 |
|
|
83,088 |
Special Mention |
|
|
— |
|
|
222 |
|
|
393 |
|
|
2,145 |
|
|
354 |
|
|
1,773 |
|
|
12,380 |
|
|
17,267 |
Substandard |
|
|
94 |
|
|
513 |
|
|
112 |
|
|
2,911 |
|
|
1,449 |
|
|
1,339 |
|
|
11,658 |
|
|
18,076 |
Total Commercial & Industrial |
|
$ |
851,040 |
|
$ |
539,022 |
|
$ |
281,280 |
|
$ |
192,358 |
|
$ |
82,294 |
|
$ |
125,422 |
|
$ |
911,933 |
|
$ |
2,983,349 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Multifamily Real Estate |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Pass |
|
$ |
111,798 |
|
$ |
90,952 |
|
$ |
204,159 |
|
$ |
47,240 |
|
$ |
59,883 |
|
$ |
231,745 |
|
$ |
52,025 |
|
$ |
797,802 |
Watch |
|
|
— |
|
|
— |
|
|
— |
|
|
350 |
|
|
442 |
|
|
416 |
|
|
— |
|
|
1,208 |
Special Mention |
|
|
— |
|
|
— |
|
|
— |
|
|
3,826 |
|
|
— |
|
|
87 |
|
|
— |
|
|
3,913 |
Total Multifamily Real Estate |
|
$ |
111,798 |
|
$ |
90,952 |
|
$ |
204,159 |
|
$ |
51,416 |
|
$ |
60,325 |
|
$ |
232,248 |
|
$ |
52,025 |
|
$ |
802,923 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Residential 1-4 Family - Commercial |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Pass |
|
$ |
58,534 |
|
$ |
86,881 |
|
$ |
77,110 |
|
$ |
50,721 |
|
$ |
38,090 |
|
$ |
199,783 |
|
$ |
803 |
|
$ |
511,922 |
Watch |
|
|
500 |
|
|
— |
|
|
539 |
|
|
852 |
|
|
1,532 |
|
|
5,378 |
|
|
113 |
|
|
8,914 |
Special Mention |
|
|
— |
|
|
— |
|
|
94 |
|
|
7,771 |
|
|
582 |
|
|
2,630 |
|
|
— |
|
|
11,077 |
Substandard |
|
|
— |
|
|
632 |
|
|
1,400 |
|
|
463 |
|
|
473 |
|
|
2,883 |
|
|
299 |
|
|
6,150 |
Total Residential 1-4 Family - Commercial |
|
$ |
59,034 |
|
$ |
87,513 |
|
$ |
79,143 |
|
$ |
59,807 |
|
$ |
40,677 |
|
$ |
210,674 |
|
$ |
1,215 |
|
$ |
538,063 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Other Commercial |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Pass |
|
$ |
197,454 |
|
$ |
211,438 |
|
$ |
149,567 |
|
$ |
119,795 |
|
$ |
3,522 |
|
$ |
69,243 |
|
$ |
14,177 |
|
$ |
765,196 |
Watch |
|
|
5,095 |
|
|
— |
|
|
— |
|
|
12 |
|
|
— |
|
|
3,435 |
|
|
— |
|
|
8,542 |
Substandard |
|
|
— |
|
|
— |
|
|
— |
|
|
— |
|
|
— |
|
|
— |
|
|
91 |
|
|
91 |
Total Other Commercial |
|
$ |
202,549 |
|
$ |
211,438 |
|
$ |
149,567 |
|
$ |
119,807 |
|
$ |
3,522 |
|
$ |
72,678 |
|
$ |
14,268 |
|
$ |
773,829 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Total Commercial |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Pass |
|
$ |
2,330,053 |
|
$ |
2,303,382 |
|
$ |
1,443,312 |
|
$ |
1,217,154 |
|
$ |
804,480 |
|
$ |
2,671,177 |
|
$ |
999,403 |
|
$ |
11,768,961 |
Watch |
|
|
8,296 |
|
|
5,269 |
|
|
23,749 |
|
|
27,735 |
|
|
44,218 |
|
|
64,896 |
|
|
42,867 |
|
|
217,030 |
Special Mention |
|
|
3,075 |
|
|
889 |
|
|
487 |
|
|
39,413 |
|
|
2,970 |
|
|
30,730 |
|
|
12,512 |
|
|
90,076 |
Substandard |
|
|
1,348 |
|
|
6,858 |
|
|
12,486 |
|
|
11,396 |
|
|
33,870 |
|
|
23,675 |
|
|
12,462 |
|
|
102,095 |
Total Commercial |
|
$ |
2,342,772 |
|
$ |
2,316,398 |
|
$ |
1,480,034 |
|
$ |
1,295,698 |
|
$ |
885,538 |
|
$ |
2,790,478 |
|
$ |
1,067,244 |
|
$ |
12,178,162 |
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 December 31, 2022 (dollars in thousands):
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
December 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 |
|
$ |
212,697 |
|
$ |
263,734 |
|
$ |
162,826 |
|
$ |
36,197 |
|
$ |
22,629 |
|
$ |
221,738 |
|
$ |
12 |
|
$ |
919,833 |
30-59 Days Past Due |
|
|
174 |
|
|
2,169 |
|
|
89 |
|
|
46 |
|
|
220 |
|
|
3,253 |
|
|
— |
|
|
5,951 |
60-89 Days Past Due |
|
|
— |
|
|
— |
|
|
— |
|
|
— |
|
|
413 |
|
|
1,277 |
|
|
— |
|
|
1,690 |
90+ Days Past Due |
|
|
— |
|
|
— |
|
|
— |
|
|
64 |
|
|
— |
|
|
1,891 |
|
|
— |
|
|
1,955 |
Nonaccrual |
|
|
— |
|
|
423 |
|
|
— |
|
|
307 |
|
|
940 |
|
|
9,176 |
|
|
— |
|
|
10,846 |
Total Residential 1-4 Family - Consumer |
|
$ |
212,871 |
|
$ |
266,326 |
|
$ |
162,915 |
|
$ |
36,614 |
|
$ |
24,202 |
|
$ |
237,335 |
|
$ |
12 |
|
$ |
940,275 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Residential 1-4 Family - Revolving |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Current |
|
$ |
68,434 |
|
$ |
13,810 |
|
$ |
4,997 |
|
$ |
1,672 |
|
$ |
801 |
|
$ |
476 |
|
$ |
487,803 |
|
$ |
577,993 |
30-59 Days Past Due |
|
|
90 |
|
|
— |
|
|
— |
|
|
— |
|
|
— |
|
|
— |
|
|
1,753 |
|
|
1,843 |
60-89 Days Past Due |
|
|
— |
|
|
— |
|
|
— |
|
|
— |
|
|
— |
|
|
— |
|
|
511 |
|
|
511 |
90+ Days Past Due |
|
|
— |
|
|
— |
|
|
— |
|
|
— |
|
|
— |
|
|
— |
|
|
1,384 |
|
|
1,384 |
Nonaccrual |
|
|
— |
|
|
149 |
|
|
57 |
|
|
— |
|
|
13 |
|
|
— |
|
|
3,234 |
|
|
3,453 |
Total Residential 1-4 Family - Revolving |
|
$ |
68,524 |
|
$ |
13,959 |
|
$ |
5,054 |
|
$ |
1,672 |
|
$ |
814 |
|
$ |
476 |
|
$ |
494,685 |
|
$ |
585,184 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Auto |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Current |
|
$ |
285,036 |
|
$ |
154,904 |
|
$ |
81,710 |
|
$ |
44,086 |
|
$ |
15,974 |
|
$ |
7,525 |
|
$ |
— |
|
$ |
589,235 |
30-59 Days Past Due |
|
|
808 |
|
|
772 |
|
|
451 |
|
|
456 |
|
|
134 |
|
|
126 |
|
|
— |
|
|
2,747 |
60-89 Days Past Due |
|
|
65 |
|
|
129 |
|
|
146 |
|
|
76 |
|
|
30 |
|
|
4 |
|
|
— |
|
|
450 |
90+ Days Past Due |
|
|
169 |
|
|
— |
|
|
111 |
|
|
32 |
|
|
12 |
|
|
20 |
|
|
— |
|
|
344 |
Nonaccrual |
|
|
— |
|
|
113 |
|
|
18 |
|
|
62 |
|
|
2 |
|
|
5 |
|
|
— |
|
|
200 |
Total Auto |
|
$ |
286,078 |
|
$ |
155,918 |
|
$ |
82,436 |
|
$ |
44,712 |
|
$ |
16,152 |
|
$ |
7,680 |
|
$ |
— |
|
$ |
592,976 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Consumer |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Current |
|
$ |
36,513 |
|
$ |
15,897 |
|
$ |
11,019 |
|
$ |
23,838 |
|
$ |
16,084 |
|
$ |
19,070 |
|
$ |
29,537 |
|
$ |
151,958 |
30-59 Days Past Due |
|
|
61 |
|
|
27 |
|
|
36 |
|
|
113 |
|
|
34 |
|
|
61 |
|
|
19 |
|
|
351 |
60-89 Days Past Due |
|
|
43 |
|
|
17 |
|
|
10 |
|
|
11 |
|
|
14 |
|
|
21 |
|
|
9 |
|
|
125 |
90+ Days Past Due |
|
|
22 |
|
|
— |
|
|
9 |
|
|
12 |
|
|
32 |
|
|
— |
|
|
33 |
|
|
108 |
Nonaccrual |
|
|
— |
|
|
3 |
|
|
— |
|
|
— |
|
|
— |
|
|
— |
|
|
— |
|
|
3 |
Total Consumer |
|
$ |
36,639 |
|
$ |
15,944 |
|
$ |
11,074 |
|
$ |
23,974 |
|
$ |
16,164 |
|
$ |
19,152 |
|
$ |
29,598 |
|
$ |
152,545 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Total Consumer |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Current |
|
$ |
602,680 |
|
$ |
448,345 |
|
$ |
260,552 |
|
$ |
105,793 |
|
$ |
55,488 |
|
$ |
248,809 |
|
$ |
517,352 |
|
$ |
2,239,019 |
30-59 Days Past Due |
|
|
1,133 |
|
|
2,968 |
|
|
576 |
|
|
615 |
|
|
388 |
|
|
3,440 |
|
|
1,772 |
|
|
10,892 |
60-89 Days Past Due |
|
|
108 |
|
|
146 |
|
|
156 |
|
|
87 |
|
|
457 |
|
|
1,302 |
|
|
520 |
|
|
2,776 |
90+ Days Past Due |
|
|
191 |
|
|
— |
|
|
120 |
|
|
108 |
|
|
44 |
|
|
1,911 |
|
|
1,417 |
|
|
3,791 |
Nonaccrual |
|
|
— |
|
|
688 |
|
|
75 |
|
|
369 |
|
|
955 |
|
|
9,181 |
|
|
3,234 |
|
|
14,502 |
Total Consumer |
|
$ |
604,112 |
|
$ |
452,147 |
|
$ |
261,479 |
|
$ |
106,972 |
|
$ |
57,332 |
|
$ |
264,643 |
|
$ |
524,295 |
|
$ |
2,270,980 |
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 |
|