Quarterly report pursuant to Section 13 or 15(d)

LOANS AND ALLOWANCE FOR LOAN AND LEASE LOSSES (Tables)

v3.23.3
LOANS AND ALLOWANCE FOR LOAN AND LEASE LOSSES (Tables)
9 Months Ended
Sep. 30, 2023
Accounts, Notes, Loans and Financing Receivable [Line Items]  
Loans Stated at Face Amount, Net of Unearned Income

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 September 30, 2023 and December 31, 2022 (dollars in thousands):

    

September 30, 2023

    

December 31, 2022

Construction and Land Development

$

1,132,940

$

1,101,260

Commercial Real Estate – Owner Occupied

 

1,975,281

 

1,982,608

Commercial Real Estate – Non-Owner Occupied

 

4,148,218

 

3,996,130

Multifamily Real Estate

 

947,153

 

802,923

Commercial & Industrial

 

3,432,319

 

2,983,349

Residential 1-4 Family – Commercial

 

517,034

 

538,063

Residential 1-4 Family – Consumer

 

1,057,294

 

940,275

Residential 1-4 Family – Revolving

 

599,282

 

585,184

Auto

 

534,361

 

592,976

Consumer

 

126,151

 

152,545

Other Commercial

 

813,587

 

773,829

Total LHFI, net of deferred fees and costs(1)

15,283,620

14,449,142

Allowance for loan and lease losses

(125,627)

(110,768)

Total LHFI, net

$

15,157,993

$

14,338,374

(1) Total loans included unamortized premiums and discounts, and unamortized deferred fees and costs totaling $58.4 million and $50.4 million as of September 30, 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 September 30, 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

$

1,132,174

$

$

386

$

25

$

355

$

1,132,940

Commercial Real Estate – Owner Occupied

 

1,963,601

 

3,501

 

1,902

 

2,395

 

3,882

 

1,975,281

Commercial Real Estate – Non-Owner Occupied

 

4,134,014

 

4,573

 

797

 

2,835

 

5,999

 

4,148,218

Multifamily Real Estate

 

947,003

 

 

150

 

 

 

947,153

Commercial & Industrial

 

3,425,646

 

3,049

 

576

 

792

 

2,256

 

3,432,319

Residential 1-4 Family – Commercial

 

513,573

 

744

 

67

 

817

 

1,833

 

517,034

Residential 1-4 Family – Consumer

 

1,040,519

 

1,000

 

1,775

 

3,632

 

10,368

 

1,057,294

Residential 1-4 Family – Revolving

 

591,748

 

2,326

 

602

 

1,034

 

3,572

 

599,282

Auto

 

530,729

 

2,703

 

339

 

229

 

361

 

534,361

Consumer

 

125,373

 

517

 

164

 

97

 

 

126,151

Other Commercial

810,027

3,545

15

813,587

Total LHFI, net of deferred fees and costs

$

15,214,407

$

21,958

$

6,758

$

11,871

$

28,626

$

15,283,620

% of total loans

99.55

%

0.14

%

0.04

%

0.08

%

0.19

%

100.00

%

The following table shows the aging of the Company’s LHFI 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, including those on nonaccrual status with no related ALLL, as of September 30, 2023 and December 31, 2022 (dollars in thousands):

September 30, 2023

December 31, 2022

Nonaccrual

Nonaccrual With No ALLL

Nonaccrual

Nonaccrual With No ALLL

Construction and Land Development

$

355

$

$

307

$

Commercial Real Estate – Owner Occupied

3,882

7,178

908

Commercial Real Estate – Non-Owner Occupied

5,999

4,935

1,263

Commercial & Industrial

2,256

1

1,884

1

Residential 1-4 Family – Commercial

1,833

1,904

Residential 1-4 Family – Consumer

10,368

10,846

Residential 1-4 Family – Revolving

3,572

3,453

Auto

361

200

Consumer

3

Other Commercial

Total LHFI

$

28,626

$

4,936

$

27,038

$

909

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 continued to accrue interest under the terms of the applicable restructuring agreement, which were considered to be performing, and TDRs that had been placed on nonaccrual status, which were 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 tables present the amortized cost basis as of September 30, 2023 of TLMs modified during the three and nine months ended September 30, 2023 since January 1, 2023 (dollars in thousands):

Three Months Ended September 30, 2023

 

Nine Months Ended September 30, 2023

 

    

Amortized Cost

% of Total Class of Financing Receivable

 

Amortized Cost

% of Total Class of Financing Receivable

 

Term Extension

 

 

Commercial and Industrial

$

97

NM

$

2,008

0.06

%

Commercial Real Estate – Non-Owner Occupied

0.00

%

20,133

0.49

%

Commercial Real Estate – Owner Occupied

766

0.04

%

766

0.04

%

Residential 1-4 Family – Consumer

29

NM

603

0.06

%

Total Term Extension

$

892

$

23,510

Combination - Term Extension and Interest Rate Reduction

Residential 1-4 Family – Consumer

$

127

0.01

%

$

959

0.09

%

Residential 1-4 Family – Revolving

 

0.00

%

 

15

NM

Total Combination - Term Extension and Interest Rate Reduction

$

127

$

974

Principal Forgiveness

Commercial Real Estate – Non-Owner Occupied

0.00

%

4,935

0.12

%

Total Principal Forgiveness

$

$

4,935

Total

$

1,019

$

29,419

NM= Not Meaningful

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 three and nine months ended September 30, 2023:

Three Months Ended September 30, 2023

Term Extension

Loan Type

Financial Effect

Commercial Real Estate – Owner Occupied

Added a weighted-average 0.2 years to the life of loans.

Nine Months Ended September 30, 2023

Term Extension

Loan Type

Financial Effect

Commercial and Industrial

Added a weighted-average 0.2 years to the life of loans.

Commercial Real Estate – Owner Occupied

Added a weighted-average 0.2 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 10.7 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 20.3 years to the life of loans and reduced the weighted average contractual interest rate from 8.2% to 7.6%.

Residential 1-4 Family – Revolving

Added a weighted-average 19.1 years to the life of loans and reduced the weighted average contractual interest rate from 10.5% to 7.3%.

Principal Forgiveness

Loan Type

Financial Effect

Commercial Real Estate – Non-Owner Occupied

Reduced the amortized cost basis of loans by $3.5 million.

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 and nine months ended September 30, 2023 and 2022 (dollars in thousands):

Three Months Ended September 30, 2023

Nine Months Ended September 30, 2023

Commercial

Consumer

Total

    

Commercial

Consumer

Total

Balance at beginning of period

$

92,970

$

27,713

$

120,683

$

82,753

$

28,015

$

110,768

Loans charged-off

 

(788)

 

(841)

 

(1,629)

 

 

(7,589)

 

(2,368)

 

(9,957)

Recoveries credited to allowance

 

878

 

457

 

1,335

 

1,911

 

1,626

 

3,537

Provision charged to operations

 

5,880

 

(642)

 

5,238

 

 

21,865

 

(586)

 

21,279

Balance at end of period

$

98,940

$

26,687

$

125,627

 

$

98,940

$

26,687

$

125,627

Three Months Ended September 30, 2022

Nine Months Ended September 30, 2022

Commercial

Consumer

Total

    

Commercial

Consumer

Total

Balance at beginning of period

$

77,413

$

26,771

$

104,184

 

$

77,902

$

21,885

$

99,787

Loans charged-off

 

(1,086)

 

(715)

 

(1,801)

 

 

(2,852)

 

(2,415)

 

(5,267)

Recoveries credited to allowance

 

605

 

609

 

1,214

 

 

1,723

 

2,022

 

3,745

Provision charged to operations

 

6,969

 

(2,557)

 

4,412

 

 

7,128

 

2,616

 

9,744

Balance at end of period

$

83,901

$

24,108

$

108,009

$

83,901

$

24,108

$

108,009

Commercial Portfolio  
Accounts, Notes, Loans and Financing Receivable [Line Items]  
Loans Receivables Related Risk Rating

The table below details the amortized cost and gross write-offs of the classes of loans within the Commercial segment by risk level and year of origination as of September 30, 2023 (dollars in thousands):

September 30, 2023

Term Loans Amortized Cost Basis by Origination Year

Revolving

2023

2022

2021

2020

2019

Prior

Loans

Total

Construction and Land Development

Pass

$

168,844

$

459,943

$

329,757

$

22,020

$

12,638

$

42,963

$

45,247

$

1,081,412

Watch

106

4,432

16,493

836

21,867

Special Mention

168

4,514

350

5,032

Substandard

23

1,244

1,824

21,208

205

125

24,629

Total Construction and Land Development

$

169,141

$

465,619

$

352,588

$

43,228

$

12,843

$

44,274

$

45,247

$

1,132,940

Current period gross writeoff

$

$

$

$

$

$

(11)

$

$

(11)

Commercial Real Estate – Owner Occupied

Pass

$

123,946

$

261,768

$

196,135

$

246,359

$

264,095

$

763,587

$

23,835

$

1,879,725

Watch

1,325

4,021

2,815

9,671

26,719

847

45,398

Special Mention

788

859

251

992

10,312

464

13,666

Substandard

370

337

4,196

31,589

36,492

Total Commercial Real Estate – Owner Occupied

$

125,104

$

263,952

$

200,407

$

249,511

$

278,954

$

832,207

$

25,146

$

1,975,281

Current period gross writeoff

$

$

$

$

$

$

$

$

Commercial Real Estate – Non-Owner Occupied

Pass

$

310,417

$

526,072

$

714,965

$

342,131

$

483,006

$

1,494,449

$

23,728

$

3,894,768

Watch

1,691

7,754

27,825

76,136

4

113,410

Special Mention

18,980

57,063

11,855

87,898

Substandard

4,936

2,139

11,298

5,939

27,830

52,142

Total Commercial Real Estate – Non-Owner Occupied

$

315,353

$

526,072

$

718,795

$

361,183

$

535,750

$

1,655,478

$

35,587

$

4,148,218

Current period gross writeoff

$

$

$

$

$

$

(3,528)

$

$

(3,528)

Commercial & Industrial

Pass

$

730,110

$

677,320

$

449,135

$

213,937

$

131,347

$

160,071

$

887,127

$

3,249,047

Watch

596

23,517

186

1,346

18,017

4,814

25,128

73,604

Special Mention

1,809

21,723

1,094

6,890

2,753

1,848

23,984

60,101

Substandard

150

468

2,109

3,853

3,438

39,549

49,567

Total Commercial & Industrial

$

732,515

$

722,710

$

450,883

$

224,282

$

155,970

$

170,171

$

975,788

$

3,432,319

Current period gross writeoff

$

$

$

(6)

$

$

$

(18)

$

(1,813)

$

(1,837)

Multifamily Real Estate

Pass

$

14,082

$

117,935

$

244,089

$

223,382

$

46,431

$

254,568

$

28,521

$

929,008

Watch

395

395

Special Mention

250

3,734

232

4,216

Substandard

13,534

13,534

Total Multifamily Real Estate

$

14,082

$

117,935

$

244,089

$

237,166

$

50,165

$

255,195

$

28,521

$

947,153

Current period gross writeoff

$

$

$

$

$

$

$

$

Residential 1-4 Family – Commercial

Pass

$

29,169

$

63,380

$

78,926

$

71,358

$

46,347

$

212,109

$

1,070

$

502,359

Watch

49

390

586

223

765

6,124

109

8,246

Special Mention

48

1,323

1,371

Substandard

618

182

604

3,401

253

5,058

Total Residential 1-4 Family – Commercial

$

29,266

$

63,770

$

80,130

$

71,763

$

47,716

$

222,957

$

1,432

$

517,034

Current period gross writeoff

$

$

$

$

$

$

$

$

Other Commercial

Pass

$

235,254

$

126,200

$

149,863

$

84,078

$

123,799

$

65,234

$

24,947

$

809,375

Watch

32

8

3,410

3,450

Special Mention

98

649

747

Substandard

15

15

Total Other Commercial

$

235,352

$

126,200

$

149,863

$

84,110

$

123,807

$

69,293

$

24,962

$

813,587

Current period gross writeoff

$

$

$

$

$

$

(2,213)

$

$

(2,213)

Total Commercial

Pass

$

1,611,822

$

2,232,618

$

2,162,870

$

1,203,265

$

1,107,663

$

2,992,981

$

1,034,475

$

12,345,694

Watch

751

29,664

22,977

12,170

56,286

118,434

26,088

266,370

Special Mention

2,911

22,582

5,859

7,140

26,459

71,777

36,303

173,031

Substandard

5,329

1,394

5,049

48,668

14,797

66,383

39,817

181,437

Total Commercial

$

1,620,813

$

2,286,258

$

2,196,755

$

1,271,243

$

1,205,205

$

3,249,575

$

1,136,683

$

12,966,532

Total current period gross writeoff

$

$

$

(6)

$

$

$

(5,770)

$

(1,813)

$

(7,589)

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 September 30, 2023 (dollars in thousands):

September 30, 2023

Term Loans Amortized Cost Basis by Origination Year

2023

2022

2021

2020

2019

Prior

Revolving Loans

Total

Residential 1-4 Family – Consumer

Current

$

101,653

$

255,179

$

270,580

$

155,239

$

33,221

$

224,635

$

12

$

1,040,519

30-59 Days Past Due

47

97

33

173

650

1,000

60-89 Days Past Due

427

149

1,199

1,775

90+ Days Past Due

49

1,719

1,864

3,632

Nonaccrual

491

565

106

9,206

10,368

Total Residential 1-4 Family – Consumer

$

101,749

$

256,194

$

273,046

$

155,412

$

33,327

$

237,554

$

12

$

1,057,294

Current period gross writeoff

$

$

(16)

$

$

$

(69)

$

(39)

$

$

(124)

Residential 1-4 Family – Revolving

Current

$

36,058

$

56,777

$

12,148

$

4,517

$

1,059

$

1,165

$

480,024

$

591,748

30-59 Days Past Due

135

2,191

2,326

60-89 Days Past Due

183

419

602

90+ Days Past Due

1,034

1,034

Nonaccrual

157

27

53

3,335

3,572

Total Residential 1-4 Family – Revolving

$

36,241

$

57,069

$

12,175

$

4,570

$

1,059

$

1,165

$

487,003

$

599,282

Current period gross writeoff

$

$

$

(3)

$

$

$

$

(26)

$

(29)

Auto

Current

$

84,225

$

229,046

$

118,931

$

59,340

$

28,926

$

10,261

$

$

530,729

30-59 Days Past Due

229

905

851

317

315

86

2,703

60-89 Days Past Due

68

95

69

73

34

339

90+ Days Past Due

29

88

65

21

1

25

229

Nonaccrual

10

171

68

73

39

361

Total Auto

$

84,493

$

230,278

$

120,010

$

59,820

$

29,354

$

10,406

$

$

534,361

Current period gross writeoff

$

(23)

$

(410)

$

(171)

$

(101)

$

(60)

$

(48)

$

$

(813)

Consumer

Current

$

10,803

$

26,226

$

11,550

$

8,635

$

17,174

$

25,877

$

25,107

$

125,372

30-59 Days Past Due

49

136

55

19

95

133

30

517

60-89 Days Past Due

12

5

12

24

59

19

33

164

90+ Days Past Due

10

40

37

4

7

98

Nonaccrual

Total Consumer

$

10,874

$

26,407

$

11,654

$

8,682

$

17,328

$

26,036

$

25,170

$

126,151

Current period gross writeoff

$

(15)

$

(65)

$

(90)

$

(652)

$

(14)

$

(510)

$

(56)

$

(1,402)

Total Consumer

Current

$

232,739

$

567,228

$

413,209

$

227,731

$

80,380

$

261,938

$

505,143

$

2,288,368

30-59 Days Past Due

325

1,273

939

509

410

869

2,221

6,546

60-89 Days Past Due

195

500

256

93

132

1,252

452

2,880

90+ Days Past Due

88

128

1,821

25

1

1,896

1,034

4,993

Nonaccrual

10

819

660

126

145

9,206

3,335

14,301

Total Consumer

$

233,357

$

569,948

$

416,885

$

228,484

$

81,068

$

275,161

$

512,185

$

2,317,088

Total current period gross writeoff

$

(38)

$

(491)

$

(264)

$

(753)

$

(143)

$

(597)

$

(82)

$

(2,368)

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