Quarterly report pursuant to Section 13 or 15(d)

LOANS AND ALLOWANCE FOR LOAN AND LEASE LOSSES (Tables)

v3.23.1
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

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

 

52

 

 

1,032

 

1,481

 

3,968,085

Multifamily Real Estate

 

822,006

 

 

 

 

 

822,006

Commercial & Industrial

 

3,075,988

 

981

 

61

 

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

 

6

 

145,090

Other Commercial

742,378

66

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