Atlantic Union Bankshares Corporation Quarterly report pursuant to Section 13 or 15(d)

Quarterly report pursuant to Section 13 or 15(d)

LOANS AND ALLOWANCE FOR LOAN AND LEASE LOSSES (Tables)

LOANS AND ALLOWANCE FOR LOAN AND LEASE LOSSES (Tables)

3 Months Ended

Mar. 31, 2023

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

Loans Stated at Face Amount, Net of Unearned Income

During the first quarter of 2023, the Company transferred a nonaccrual commercial real estate loan, totaling $7.1 million, from LHFI to LHFS. The following tables exclude LHFS.

The Company’s LHFI are stated at their face amount, net of deferred fees and costs, and consisted of the following at March 31, 2023 and December 31, 2022 (dollars in thousands):


	March 31, 2023		December 31, 2022
Construction and Land Development	$	1,179,872	$	1,101,260
Commercial Real Estate - Owner Occupied		1,956,585		1,982,608
Commercial Real Estate - Non-Owner Occupied		3,968,085		3,996,130
Multifamily Real Estate		822,006		802,923
Commercial & Industrial		3,082,478		2,983,349
Residential 1-4 Family - Commercial		522,760		538,063
Residential 1-4 Family - Consumer		974,511		940,275
Residential 1-4 Family - Revolving		589,791		585,184
Auto		600,658		592,976
Consumer		145,090		152,545
Other Commercial		742,444		773,829
Total LHFI, net of deferred fees and costs⁽¹⁾		14,584,280		14,449,142
Allowance for loan and lease losses		(116,512)		(110,768)
Total LHFI, net	$	14,467,768	$	14,338,374

⁽¹⁾ Total loans included unamortized premiums and discounts, and unamortized deferred fees and costs totaling $47.3 million and $50.4 million as of March 31, 2023 and December 31, 2022, respectively.

Summary of Aging of the Loan Portfolio by Class

The following table shows the aging of the Company’s LHFI portfolio, by class, at March 31, 2023 (dollars in thousands):

Greater than

30-59 Days

60-89 Days

90 Days and

Current

Past Due

still Accruing

Nonaccrual

Total Loans

Construction and Land Development

1,178,445

815

—

249

363

1,179,872

Commercial Real Estate - Owner Occupied

1,945,229

2,251

798

2,133

6,174

1,956,585

Commercial Real Estate - Non-Owner Occupied

3,965,520

—

1,032

1,481

3,968,085

Multifamily Real Estate

822,006

—

822,006

Commercial & Industrial

3,075,988

981

633

4,815

3,082,478

Residential 1-4 Family - Commercial

518,951

1,399

271

232

1,907

522,760

Residential 1-4 Family - Consumer

951,375

11,579

158

859

10,540

974,511

Residential 1-4 Family - Revolving

582,123

1,384

1,069

1,766

3,449

589,791

Auto

597,853

2,026

295

137

347

600,658

Consumer

144,476

295

176

137

145,090

Other Commercial

742,378

—

742,444

Total LHFI, net of deferred fees and costs

14,524,344

20,782

2,828

7,244

29,082

14,584,280

% of total loans

99.59

0.14

0.02

0.05

0.20

100.00

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	%

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 March 31, 2023 (dollars in thousands):



	Nonaccrual		Nonaccrual With No ALLL		90 Days Past due and still Accruing
Construction and Land Development	$	363	$	—	$	249
Commercial Real Estate - Owner Occupied		6,174		3,451		2,133
Commercial Real Estate - Non-Owner Occupied		1,481		—		1,032
Commercial & Industrial		4,815		2,647		633
Residential 1-4 Family - Commercial		1,907		—		232
Residential 1-4 Family - Consumer		10,540		—		859
Residential 1-4 Family - Revolving		3,449		—		1,766
Auto		347		—		137
Consumer		6		—		137
Other Commercial		—		—		66
Total LHFI	$	29,082	$	6,098	$	7,244

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

Summary of TDRs 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 (dollars in thousands):


	December 31, 2022
	No. of	Recorded		Outstanding
	Loans	Investment		Commitment
Performing
Construction and Land Development	3	$	155	$	—
Commercial Real Estate - Owner Occupied	2		997		—
Commercial & Industrial	1		93		—
Residential 1-4 Family - Consumer	83		7,761		—
Residential 1-4 Family - Revolving	3		254		5
Consumer	1		13		—
Total performing	93	$	9,273	$	5
Nonperforming
Commercial Real Estate - Owner Occupied	1	$	15	$	—
Commercial Real Estate - Non-Owner Occupied	2		233		—
Commercial & Industrial	2		375		—
Residential 1-4 Family - Commercial	3		332		—
Residential 1-4 Family - Consumer	23		3,869		—
Residential 1-4 Family - Revolving	3		93		—
Total nonperforming	34	$	4,917	$	—
Total performing and nonperforming	127	$	14,190	$	5

Schedule of TLMs by Class and Modification Type

The following table shows by class and modification type, the amortized cost basis of TLMs as of March 31, 2023 since January 1, 2023 (dollars in thousands):


	As of March 31, 2023
	Amortized Cost		% of Total Class of Financing Receivable
Term Extension
Construction and Land Development	$	1,344	0.11	%
Commercial Real Estate - Non-Owner Occupied		18,792	0.47	%
Residential 1-4 Family - Consumer		168	0.02	%
Total Term Extension	$	20,304
Combination - Term Extension and Interest Rate Reduction
Residential 1-4 Family - Consumer	$	237	0.02	%
Total Combination - Term Extension and Interest Rate Reduction	$	237
Total	$	20,541

Summary of financial effects of TLMs on a weighted average basis for TLMs within that loan type

The following table describes the financial effects of TLMs on a weighted average basis for TLMs within that loan type for the quarter ended March 31, 2023:


Term Extension
Loan Type				Financial Effect
Construction and Land Development				Added a weighted-average 0.5 years to the life of loans.
Commercial Real Estate - Non-Owner Occupied				Added a weighted-average 0.5 years to the life of loans.
Residential 1-4 Family - Consumer				Added a weighted-average 18.2 years to the life of loans.

Combination - Term Extension and Interest Rate Reduction
Loan Type				Financial Effect
Residential 1-4 Family - Consumer				Added a weighted-average 20.7 years to the life of loans and changed interest rate from variable to fixed rates, which reduced the weighted average contractual interest rate from 7.5% to 7.4%.

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 three months ended March 31, 2023 and 2022 (dollars in thousands):


	Three Months Ended March 31, 2023						Three Months Ended March 31, 2022
	Commercial		Consumer		Total		Commercial		Consumer		Total
Balance at beginning of period	$	82,753	$	28,015	$	110,768	$	77,902	$	21,885	$	99,787
Loans charged-off		(5,007)		(719)		(5,726)		(759)		(750)		(1,509)
Recoveries credited to allowance		515		652		1,167		726		787		1,513
Provision charged to operations		9,825		478		10,303		1,902		898		2,800
Balance at end of period	$	88,086	$	28,426	$	116,512	$	79,771	$	22,820	$	102,591

Commercial Portfolio

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

Loans Receivables Related Risk Rating

The table below details the amortized cost and gross writeoffs of the classes of loans within the Commercial segment by risk level and year of origination as of March 31, 2023 (dollars in thousands):


		March 31, 2023
		Term Loans Amortized Cost Basis by Origination Year
	2023		2022		2021		2020		2019		Prior		Revolving Loans		Total
Construction and Land Development
Pass	$	56,060	$	431,758	$	461,280	$	93,920	$	17,082	$	52,347	$	33,793	$	1,146,240
Watch		—		277		21,347		—		325		1,025		—		22,974
Special Mention		—		3,029		628		—		—		1,350		149		5,156
Substandard		—		1,249		2,605		39		209		1,400		—		5,502
Total Construction and Land Development	$	56,060	$	436,313	$	485,860	$	93,959	$	17,616	$	56,122	$	33,942	$	1,179,872
Current period gross writeoff	$	—	$	—	$	—	$	—	$	—	$	(10)	$	—	$	(10)

Commercial Real Estate - Owner Occupied
Pass	$	21,667	$	248,670	$	206,053	$	252,784	$	277,820	$	829,793	$	25,356	$	1,862,143
Watch		—		1,050		624		3,377		8,201		37,841		892		51,985
Special Mention		—		—		255		469		434		9,145		546		10,849
Substandard		226		—		2,565		—		4,259		24,558		—		31,608
Total Commercial Real Estate - Owner Occupied	$	21,893	$	249,720	$	209,497	$	256,630	$	290,714	$	901,337	$	26,794	$	1,956,585
Current period gross writeoff	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—

Commercial Real Estate - Non-Owner Occupied
Pass	$	57,700	$	506,109	$	668,543	$	381,043	$	515,413	$	1,647,468	$	37,429	$	3,813,705
Watch		—		—		—		12,234		6,464		74,783		8		93,489
Special Mention		—		—		2,151		—		19,369		9,294		—		30,814
Substandard		—		231		—		—		6,005		23,841		—		30,077
Total Commercial Real Estate - Non-Owner Occupied	$	57,700	$	506,340	$	670,694	$	393,277	$	547,251	$	1,755,386	$	37,437	$	3,968,085
Current period gross writeoff	$	—	$	—	$	—	$	—	$	—	$	(2,941)	$	—	$	(2,941)

Commercial & Industrial
Pass	$	213,690	$	825,599	$	508,969	$	240,528	$	150,660	$	187,067	$	824,112	$	2,950,625
Watch		—		810		586		13,416		23,323		4,212		11,927		54,274
Special Mention		—		432		212		6,921		1,346		1,662		45,138		55,711
Substandard		—		135		490		111		3,266		3,988		13,878		21,868
Total Commercial & Industrial	$	213,690	$	826,976	$	510,257	$	260,976	$	178,595	$	196,929	$	895,055	$	3,082,478
Current period gross writeoff	$	—	$	—	$	—	$	—	$	—	$	—	$	(1,281)	$	(1,281)

Multifamily Real Estate
Pass	$	1,193	$	116,785	$	110,179	$	203,176	$	46,976	$	278,186	$	60,282	$	816,777
Watch		—		—		—		—		348		1,000		—		1,348
Special Mention		—		—		—		—		3,795		86		—		3,881
Total Multifamily Real Estate	$	1,193	$	116,785	$	110,179	$	203,176	$	51,119	$	279,272	$	60,282	$	822,006
Current period gross writeoff	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—

Residential 1-4 Family - Commercial
Pass	$	6,078	$	55,830	$	86,098	$	75,639	$	49,757	$	230,887	$	616	$	504,905
Watch		50		—		—		533		840		7,305		112		8,840
Special Mention		—		—		—		—		—		2,503		—		2,503
Substandard		—		—		627		1,585		632		3,369		299		6,512
Total Residential 1-4 Family - Commercial	$	6,128	$	55,830	$	86,725	$	77,757	$	51,229	$	244,064	$	1,027	$	522,760
Current period gross writeoff	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—

Other Commercial
Pass	$	1,965	$	195,697	$	197,300	$	140,029	$	120,288	$	69,752	$	8,385	$	733,416
Watch		102		4,995		—		—		8		3,857		—		8,962
Substandard		—		—		—		—		—		—		66		66
Total Other Commercial	$	2,067	$	200,692	$	197,300	$	140,029	$	120,296	$	73,609	$	8,451	$	742,444
Current period gross writeoff	$	—	$	—	$	—	$	—	$	—	$	(775)	$	—	$	(775)

Total Commercial
Pass	$	358,353	$	2,380,448	$	2,238,422	$	1,387,119	$	1,177,996	$	3,295,500	$	989,973	$	11,827,811
Watch		152		7,132		22,557		29,560		39,509		130,023		12,939		241,872
Special Mention		—		3,461		3,246		7,390		24,944		24,040		45,833		108,914
Substandard		226		1,615		6,287		1,735		14,371		57,156		14,243		95,633
Total Commercial	$	358,731	$	2,392,656	$	2,270,512	$	1,425,804	$	1,256,820	$	3,506,719	$	1,062,988	$	12,274,230
Total current period gross writeoff	$	—	$	—	$	—	$	—	$	—	$	(3,726)	$	(1,281)	$	(5,007)

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

Consumer Portfolio

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

Loans Receivables Related Risk Rating

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, 2023 (dollars in thousands):


		March 31, 2023
		Term Loans Amortized Cost Basis by Origination Year


	2023		2022		2021		2020		2019		Prior		Revolving Loans		Total
Residential 1-4 Family - Consumer
Current	$	32,610	$	221,919	$	268,051	$	158,016	$	34,748	$	236,018	$	13	$	951,375
30-59 Days Past Due		—		648		1,730		2,532		127		6,542		—		11,579
60-89 Days Past Due		—		—		—		—		63		95		—		158
90+ Days Past Due		—		—		—		—		—		859		—		859
Nonaccrual		—		—		585		—		306		9,649		—		10,540
Total Residential 1-4 Family - Consumer	$	32,610	$	222,567	$	270,366	$	160,548	$	35,244	$	253,163	$	13	$	974,511
Current period gross writeoff	$	—	$	—	$	—	$	—	$	—	$	(29)	$	—	$	(29)

Residential 1-4 Family - Revolving
Current	$	10,726	$	63,001	$	13,036	$	4,837	$	1,451	$	1,223	$	487,849	$	582,123
30-59 Days Past Due		—		14		—		—		—		—		1,370		1,384
60-89 Days Past Due		—		138		—		—		—		—		931		1,069
90+ Days Past Due		—		—		—		—		—		29		1,737		1,766
Nonaccrual		—		87		149		54		—		—		3,159		3,449
Total Residential 1-4 Family - Revolving	$	10,726	$	63,240	$	13,185	$	4,891	$	1,451	$	1,252	$	495,046	$	589,791
Current period gross writeoff	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—

Auto
Current	$	54,750	$	270,291	$	142,237	$	73,589	$	38,687	$	18,299	$	—	$	597,853
30-59 Days Past Due		—		624		595		356		274		177		—		2,026
60-89 Days Past Due		—		86		103		80		4		22		—		295
90+ Days Past Due		—		94		33		5		5		—		—		137
Nonaccrual		—		98		72		81		94		2		—		347
Total Auto	$	54,750	$	271,193	$	143,040	$	74,111	$	39,064	$	18,500	$	—	$	600,658
Current period gross writeoff	$	—	$	(135)	$	(32)	$	(69)	$	(49)	$	(32)	$	—	$	(317)

Consumer
Current	$	5,082	$	32,914	$	14,495	$	10,178	$	21,327	$	31,412	$	29,068	$	144,476
30-59 Days Past Due		—		76		42		10		58		101		8		295
60-89 Days Past Due		—		35		31		5		67		36		2		176
90+ Days Past Due		—		49		40		17		20		8		3		137
Nonaccrual		—		—		3		—		3		—		—		6
Total Consumer	$	5,082	$	33,074	$	14,611	$	10,210	$	21,475	$	31,557	$	29,081	$	145,090
Current period gross writeoff	$	—	$	—	$	(22)	$	(182)	$	(12)	$	(117)	$	(40)	$	(373)

Total Consumer
Current	$	103,168	$	588,125	$	437,819	$	246,620	$	96,213	$	286,952	$	516,930	$	2,275,827
30-59 Days Past Due		—		1,362		2,367		2,898		459		6,820		1,378		15,284
60-89 Days Past Due		—		259		134		85		134		153		933		1,698
90+ Days Past Due		—		143		73		22		25		896		1,740		2,899
Nonaccrual		—		185		809		135		403		9,651		3,159		14,342
Total Consumer	$	103,168	$	590,074	$	441,202	$	249,760	$	97,234	$	304,472	$	524,140	$	2,310,050
Total current period gross writeoff	$	—	$	(135)	$	(54)	$	(251)	$	(61)	$	(178)	$	(40)	$	(719)

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