Atlantic Union Bankshares Corporation Quarterly report [Sections 13 or 15(d)]

Quarterly report [Sections 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, 2025

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 as of the periods ended (dollars in thousands):


	March 31, 2025		December 31, 2024
Construction and Land Development	$	1,305,969	$	1,731,108
Commercial Real Estate ("CRE") – Owner Occupied		2,363,509		2,370,119
CRE – Non-Owner Occupied		5,072,694		4,935,590
Multifamily Real Estate		1,531,547		1,240,209
Commercial & Industrial		3,819,415		3,864,695
Residential 1-4 Family – Commercial		738,388		719,425
Residential 1-4 Family – Consumer		1,286,526		1,293,817
Residential 1-4 Family – Revolving		778,527		756,944
Auto		279,517		316,368
Consumer		101,334		104,882
Other Commercial		1,150,263		1,137,464
Total LHFI, net of deferred fees and costs⁽¹⁾		18,427,689		18,470,621
Allowance for loan and lease losses		(193,796)		(178,644)
Total LHFI, net	$	18,233,893	$	18,291,977

⁽¹⁾Total loans included unamortized premiums and discounts, and unamortized deferred fees and costs totaling $206.0 million and $220.6 million as of March 31, 2025 and December 31, 2024, 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, 2025 (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

1,302,682

458

—

2,794

1,305,969

CRE – Owner Occupied

2,357,437

1,455

971

714

2,932

2,363,509

CRE – Non-Owner Occupied

5,067,775

3,760

—

1,159

5,072,694

Multifamily Real Estate

1,529,089

1,353

981

—

124

1,531,547

Commercial & Industrial

3,770,204

4,192

838

1,075

43,106

3,819,415

Residential 1-4 Family – Commercial

734,639

1,029

1,091

1,610

738,388

Residential 1-4 Family – Consumer

1,261,038

11,005

348

1,193

12,942

1,286,526

Residential 1-4 Family – Revolving

768,867

2,533

1,137

2,397

3,593

778,527

Auto

274,479

3,662

539

196

641

279,517

Consumer

100,361

479

384

101,334

Other Commercial

1,142,145

6,875

1,123

1,150,263

Total LHFI, net of deferred fees and costs

18,308,716

36,801

6,375

6,782

69,015

18,427,689

% of total loans

99.35

0.20

0.04

0.37

100.00

The following table shows the aging of the Company’s LHFI portfolio by class at December 31, 2024 (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	$	1,729,637		$	38		$	—		$	120		$	1,313		$	1,731,108
CRE – Owner Occupied		2,362,458			2,080			1,074			1,592			2,915			2,370,119
CRE – Non-Owner Occupied		4,926,168			1,381			—			6,874			1,167			4,935,590
Multifamily Real Estate		1,238,711			1,366			—			—			132			1,240,209
Commercial & Industrial		3,820,564			9,405			69			955			33,702			3,864,695
Residential 1-4 Family – Commercial		715,604			697			665			949			1,510			719,425
Residential 1-4 Family – Consumer		1,266,467			5,928			7,390			1,307			12,725			1,293,817
Residential 1-4 Family – Revolving		747,474			1,824			2,110			1,710			3,826			756,944
Auto		311,354			3,615			456			284			659			316,368
Consumer		103,528			804			486			44			20			104,882
Other Commercial		1,132,960			2,167			2,029			308			—			1,137,464
Total LHFI, net of deferred fees and costs	$	18,354,925		$	29,305		$	14,279		$	14,143		$	57,969		$	18,470,621
% of total loans		99.37	%		0.16	%		0.08	%		0.08	%		0.31	%		100.00	%

Summary of Loans on Nonaccrual Status

The following table shows the Company’s amortized cost basis of loans on nonaccrual status with no related allowance for loan and lease losses (“ALLL”), a component of the ACL as of the periods ended (dollars in thousands):


	March 31,		December 31,
	2025		2024
Construction and Land Development	$	1,277	$	—
Commercial & Industrial		—		2,510
Total LHFI	$	1,277	$	2,510

Summary of TDRs that Continue to Accrue Interest Under the Terms of Restructuring Agreement

The following table presents the amortized cost basis of loan modifications to borrowers experiencing financial difficulty for the three months ended March 31, 2025 (dollars in thousands). TLMs for the quarter ended March 31, 2024 were not significant at approximately $36,000.


	2025
	Amortized Cost		% of Total Class of Financing Receivable
Combination - Other-Than-Insignificant Payment Delay and Term Extension
Commercial and Industrial	$	493	0.01	%
Total Combination - Other-Than-Insignificant Payment Delay and Term Extension	$	493

Term Extension
CRE – Owner Occupied	$	305	0.01	%
Residential 1-4 Family – Commercial		332	0.04	%
Residential 1-4 Family – Consumer		201	0.02	%
Total Term Extension	$	838

Combination - Term Extension and Interest Rate Reduction
Residential 1-4 Family – Consumer	$	840	0.07	%
Total Combination - Term Extension and Interest Rate Reduction	$	840

Total	$	2,171

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 months ended March 31,:


2025

Combination - Term Extension and Interest Rate Reduction
Loan Type				Financial Effect
Residential 1-4 Family - Consumer				Added a weighted-average 1.6 years to the life of loans and reduced the weighted average contractual interest rate from 5.0% to 2.1%.

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, (dollars in thousands):


	2025
	Commercial		Consumer		Total
Balance at beginning of period	$	148,887	$	29,757	$	178,644
Loans charged-off		(1,847)		(1,038)		(2,885)
Recoveries credited to allowance		230		377		607
Provision charged to operations		15,638		1,792		17,430
Balance at end of period	$	162,908	$	30,888	$	193,796


	2024
	Commercial		Consumer		Total
Balance at beginning of period	$	105,896	$	26,286	$	132,182
Loans charged-off		(4,939)		(955)		(5,894)
Recoveries credited to allowance		533		444		977
Provision charged to operations		9,038		(113)		8,925
Balance at end of period	$	110,528	$	25,662	$	136,190

Commercial Portfolio Segment [Member]

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 March 31, (dollars in thousands):


		2025
		Term Loans Amortized Cost Basis by Origination Year											Revolving
	2025		2024		2023		2022		2021		Prior		Loans		Total
Construction and Land Development
Pass	$	61,598	$	354,330	$	499,256	$	133,499	$	24,383	$	62,203	$	85,135	$	1,220,404
Watch		—		209		1,275		53		23		3,590		73		5,223
Special Mention		—		938		18,356		31,822		—		1,559		—		52,675
Substandard		20		159		79		135		859		4,113		22,302		27,667
Total Construction and Land Development	$	61,618	$	355,636	$	518,966	$	165,509	$	25,265	$	71,465	$	107,510	$	1,305,969
Current period gross write-off	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—

CRE – Owner Occupied
Pass	$	34,765	$	169,044	$	251,374	$	290,094	$	256,793	$	1,195,085	$	17,632	$	2,214,787
Watch		—		5,138		5,324		1,190		3,618		58,423		1,111		74,804
Special Mention		—		570		6,066		1,788		1,661		13,985		562		24,632
Substandard		—		24,567		1,738		1,357		665		20,819		140		49,286
Total CRE – Owner Occupied	$	34,765	$	199,319	$	264,502	$	294,429	$	262,737	$	1,288,312	$	19,445	$	2,363,509
Current period gross write-off	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—

CRE – Non-Owner Occupied
Pass	$	71,820	$	361,994	$	631,090	$	706,424	$	815,402	$	2,122,235	$	69,106	$	4,778,071
Watch		—		—		25,029		6,835		10,891		65,084		13,303		121,142
Special Mention		—		365		4,815		4,635		8,378		30,001		—		48,194
Substandard		—		—		6,279		22,112		1,133		95,693		70		125,287
Total CRE – Non-Owner Occupied	$	71,820	$	362,359	$	667,213	$	740,006	$	835,804	$	2,313,013	$	82,479	$	5,072,694
Current period gross write-off	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—

Commercial & Industrial
Pass	$	269,658	$	737,413	$	495,465	$	456,317	$	242,636	$	304,032	$	956,294	$	3,461,815
Watch		—		1,396		5,663		49,212		2,388		2,451		41,322		102,432
Special Mention		—		3,622		38,201		14,793		5,663		20,090		74,518		156,887
Substandard		43		9,309		3,577		4,040		5,501		1,394		34,721		58,585
Doubtful		—		1,623		—		1,553		—		—		36,520		39,696
Total Commercial & Industrial	$	269,701	$	753,363	$	542,906	$	525,915	$	256,188	$	327,967	$	1,143,375	$	3,819,415
Current period gross write-off	$	—	$	—	$	(20)	$	—	$	—	$	—	$	(981)	$	(1,001)

Multifamily Real Estate
Pass	$	24,486	$	69,594	$	63,117	$	447,952	$	276,264	$	502,318	$	54,525	$	1,438,256
Watch		—		731		—		1,715		73,780		—		—		76,226
Special Mention		—		—		—		—		—		1,425		—		1,425
Substandard		—		—		14,163		—		—		1,477		—		15,640
Total Multifamily Real Estate	$	24,486	$	70,325	$	77,280	$	449,667	$	350,044	$	505,220	$	54,525	$	1,531,547
Current period gross write-off	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—

Residential 1-4 Family – Commercial
Pass	$	34,503	$	46,268	$	75,413	$	113,147	$	106,794	$	314,977	$	6,767	$	697,869
Watch		—		165		881		1,270		722		7,230		102		10,370
Special Mention		—		—		—		23,211		211		1,721		—		25,143
Substandard		353		517		—		231		229		3,423		253		5,006
Total Residential 1-4 Family – Commercial	$	34,856	$	46,950	$	76,294	$	137,859	$	107,956	$	327,351	$	7,122	$	738,388
Current period gross write-off	$	—	$	—	$	—	$	—	$	—	$	(38)	$	—	$	(38)

Other Commercial
Pass	$	29,841	$	244,141	$	187,761	$	164,552	$	153,446	$	235,821	$	103,082	$	1,118,644
Watch		—		—		1,096		3,818		881		9,255		—		15,050
Special Mention		—		—		82		948		2,654		2,672		1,872		8,228
Substandard		—		—		1,872		5,757		561		52		99		8,341
Total Other Commercial	$	29,841	$	244,141	$	190,811	$	175,075	$	157,542	$	247,800	$	105,053	$	1,150,263
Current period gross write-off	$	—	$	—	$	—	$	—	$	—	$	(808)	$	—	$	(808)

Total Commercial
Pass	$	526,671	$	1,982,784	$	2,203,476	$	2,311,985	$	1,875,718	$	4,736,671	$	1,292,541	$	14,929,846
Watch		—		7,639		39,268		64,093		92,303		146,033		55,911		405,247
Special Mention		—		5,495		67,520		77,197		18,567		71,453		76,952		317,184
Substandard		416		34,552		27,708		33,632		8,948		126,971		57,585		289,812
Doubtful		—		1,623		—		1,553		—		—		36,520		39,696
Total Commercial	$	527,087	$	2,032,093	$	2,337,972	$	2,488,460	$	1,995,536	$	5,081,128	$	1,519,509	$	15,981,785
Total current period gross write-off	$	—	$	—	$	(20)	$	—	$	—	$	(846)	$	(981)	$	(1,847)

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 December 31, (dollars in thousands):


		2024
		Term Loans Amortized Cost Basis by Origination Year											Revolving
	2024		2023		2022		2021		2020		Prior		Loans		Total
Construction and Land Development
Pass	$	350,344	$	630,033	$	372,483	$	120,851	$	14,180	$	46,671	$	120,240	$	1,654,802
Watch		3		22,790		18,172		384		—		717		—		42,066
Special Mention		739		1,771		1,629		226		1,332		1,139		—		6,836
Substandard		162		80		22,237		745		1,467		2,713		—		27,404
Total Construction and Land Development	$	351,248	$	654,674	$	414,521	$	122,206	$	16,979	$	51,240	$	120,240	$	1,731,108
Current period gross write-off	$	—	$	—	$	(1,109)	$	—	$	—	$	—	$	—	$	(1,109)

CRE – Owner Occupied
Pass	$	152,865	$	243,842	$	293,260	$	262,430	$	248,187	$	1,014,962	$	27,316	$	2,242,862
Watch		4,455		1,391		1,424		1,854		2,507		35,093		79		46,803
Special Mention		1,153		6,659		1,577		2,102		2,266		11,556		2,389		27,702
Substandard		24,722		1,188		1,921		352		2,433		21,996		140		52,752
Total CRE – Owner Occupied	$	183,195	$	253,080	$	298,182	$	266,738	$	255,393	$	1,083,607	$	29,924	$	2,370,119
Current period gross write-off	$	—	$	—	$	—	$	—	$	—	$	(354)	$	—	$	(354)

CRE – Non-Owner Occupied
Pass	$	349,991	$	514,460	$	692,155	$	835,195	$	381,544	$	1,838,343	$	40,741	$	4,652,429
Watch		—		150		7,465		11,855		—		70,113		13,013		102,596
Special Mention		384		—		18,342		883		7,387		47,286		—		74,282
Substandard		—		12,609		—		1,130		36,796		55,677		71		106,283
Total CRE – Non-Owner Occupied	$	350,375	$	527,219	$	717,962	$	849,063	$	425,727	$	2,011,419	$	53,825	$	4,935,590
Current period gross write-off	$	—	$	—	$	—	$	—	$	(3,386)	$	—	$	—	$	(3,386)

Commercial & Industrial
Pass	$	787,683	$	593,676	$	534,064	$	300,348	$	124,214	$	227,352	$	982,085	$	3,549,422
Watch		2,458		30,428		48,661		6,980		486		2,434		24,153		115,600
Special Mention		2,289		12,328		15,458		4,001		2,183		19,125		64,204		119,588
Substandard		9,214		2,340		3,423		4,139		472		1,327		29,839		50,754
Doubtful		—		—		1,598		—		—		—		27,733		29,331
Total Commercial & Industrial	$	801,644	$	638,772	$	603,204	$	315,468	$	127,355	$	250,238	$	1,128,014	$	3,864,695
Current period gross write-off	$	—	$	(42)	$	(1,081)	$	(145)	$	(147)	$	(928)	$	(1,187)	$	(3,530)

Multifamily Real Estate
Pass	$	80,345	$	34,060	$	259,493	$	229,950	$	205,699	$	302,186	$	35,706	$	1,147,439
Watch		—		—		1,719		73,780		129		—		—		75,628
Special Mention		—		—		—		—		250		1,185		—		1,435
Substandard		—		14,210		—		—		—		1,497		—		15,707
Total Multifamily Real Estate	$	80,345	$	48,270	$	261,212	$	303,730	$	206,078	$	304,868	$	35,706	$	1,240,209
Current period gross write-off	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—

Residential 1-4 Family – Commercial
Pass	$	49,068	$	66,307	$	115,526	$	108,751	$	79,090	$	250,273	$	9,617	$	678,632
Watch		274		504		1,277		737		730		6,571		152		10,245
Special Mention		—		—		23,435		215		331		1,500		—		25,481
Substandard		517		—		—		229		588		3,480		253		5,067
Total Residential 1-4 Family – Commercial	$	49,859	$	66,811	$	140,238	$	109,932	$	80,739	$	261,824	$	10,022	$	719,425
Current period gross write-off	$	—	$	—	$	—	$	—	$	(18)	$	—	$	—	$	(18)

Other Commercial
Pass	$	233,480	$	196,703	$	169,440	$	157,815	$	82,990	$	161,984	$	106,368	$	1,108,780
Watch		—		1,926		6,170		1,525		5,293		4,419		—		19,333
Special Mention		—		84		1,059		3,163		—		582		—		4,888
Substandard		—		1,060		3,272		—		30		2		99		4,463
Total Other Commercial	$	233,480	$	199,773	$	179,941	$	162,503	$	88,313	$	166,987	$	106,467	$	1,137,464
Current period gross write-off	$	—	$	—	$	—	$	—	$	—	$	(3,492)	$	—	$	(3,492)

Total Commercial
Pass	$	2,003,776	$	2,279,081	$	2,436,421	$	2,015,340	$	1,135,904	$	3,841,771	$	1,322,073	$	15,034,366
Watch		7,190		57,189		84,888		97,115		9,145		119,347		37,397		412,271
Special Mention		4,565		20,842		61,500		10,590		13,749		82,373		66,593		260,212
Substandard		34,615		31,487		30,853		6,595		41,786		86,692		30,402		262,430
Doubtful		—		—		1,598		—		—		—		27,733		29,331
Total Commercial	$	2,050,146	$	2,388,599	$	2,615,260	$	2,129,640	$	1,200,584	$	4,130,183	$	1,484,198	$	15,998,610
Total current period gross write-off	$	—	$	(42)	$	(2,190)	$	(145)	$	(3,551)	$	(4,774)	$	(1,187)	$	(11,889)

Consumer Portfolio Segment [Member]

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 and gross write-offs of the classes of loans within the Consumer segment based on their delinquency status and year of origination as of March 31, (dollars in thousands):


		2025
		Term Loans Amortized Cost Basis by Origination Year											Revolving
	2025		2024		2023		2022		2021		Prior		Loans		Total
Residential 1-4 Family – Consumer
Current	$	21,210	$	132,639	$	170,395	$	275,906	$	277,866	$	383,022	$	—	$	1,261,038
30-59 Days Past Due		—		642		558		3,178		743		5,884		—		11,005
60-89 Days Past Due		—		—		—		—		—		348		—		348
90+ Days Past Due		—		—		177		310		—		706		—		1,193
Nonaccrual		—		—		494		3,120		1,461		7,867		—		12,942
Total Residential 1-4 Family – Consumer	$	21,210	$	133,281	$	171,624	$	282,514	$	280,070	$	397,827	$	—	$	1,286,526
Current period gross write-off	$	—	$	—	$	—	$	(20)	$	—	$	(17)	$	—	$	(37)

Residential 1-4 Family – Revolving
Current	$	5,166	$	15,479	$	30,812	$	43,531	$	9,849	$	4,948	$	659,082	$	768,867
30-59 Days Past Due		—		—		—		117		—		47		2,369		2,533
60-89 Days Past Due		—		—		—		—		—		—		1,137		1,137
90+ Days Past Due		—		—		274		129		—		—		1,994		2,397
Nonaccrual		—		—		138		107		—		42		3,306		3,593
Total Residential 1-4 Family – Revolving	$	5,166	$	15,479	$	31,224	$	43,884	$	9,849	$	5,037	$	667,888	$	778,527
Current period gross write-off	$	—	$	—	$	—	$	—	$	—	$	—	$	(45)	$	(45)

Auto
Current	$	362	$	2,005	$	50,262	$	129,816	$	59,880	$	32,154	$	—	$	274,479
30-59 Days Past Due		—		—		419		1,824		789		630		—		3,662
60-89 Days Past Due		—		—		—		287		142		110		—		539
90+ Days Past Due		—		—		—		126		16		54		—		196
Nonaccrual		—		—		62		335		140		104		—		641
Total Auto	$	362	$	2,005	$	50,743	$	132,388	$	60,967	$	33,052	$	—	$	279,517
Current period gross write-off	$	—	$	—	$	(68)	$	(358)	$	(114)	$	(54)	$	—	$	(594)

Consumer
Current	$	3,740	$	11,841	$	6,847	$	10,452	$	6,354	$	32,167	$	28,960	$	100,361
30-59 Days Past Due		12		72		38		120		21		157		59		479
60-89 Days Past Due		—		25		55		28		5		260		11		384
90+ Days Past Due		—		2		34		40		3		—		15		94
Nonaccrual		—		—		—		10		6		—		—		16
Total Consumer	$	3,752	$	11,940	$	6,974	$	10,650	$	6,389	$	32,584	$	29,045	$	101,334
Current period gross write-off	$	—	$	(30)	$	(75)	$	(18)	$	(9)	$	(219)	$	(11)	$	(362)

Total Consumer
Current	$	30,478	$	161,964	$	258,316	$	459,705	$	353,949	$	452,291	$	688,042	$	2,404,745
30-59 Days Past Due		12		714		1,015		5,239		1,553		6,718		2,428		17,679
60-89 Days Past Due		—		25		55		315		147		718		1,148		2,408
90+ Days Past Due		—		2		485		605		19		760		2,009		3,880
Nonaccrual		—		—		694		3,572		1,607		8,013		3,306		17,192
Total Consumer	$	30,490	$	162,705	$	260,565	$	469,436	$	357,275	$	468,500	$	696,933	$	2,445,904
Total current period gross write-off	$	—	$	(30)	$	(143)	$	(396)	$	(123)	$	(290)	$	(56)	$	(1,038)

The following table details the amortized cost and gross write-offs of the classes of loans within the Consumer segment based on their delinquency status and year of origination as of December 31, (dollars in thousands):


		2024
		Term Loans Amortized Cost Basis by Origination Year											Revolving
	2024		2023		2022		2021		2020		Prior		Loans		Total
Residential 1-4 Family – Consumer
Current	$	137,808	$	171,237	$	287,376	$	277,653	$	151,177	$	241,203	$	13	$	1,266,467
30-59 Days Past Due		233		405		14		470		954		3,852		—		5,928
60-89 Days Past Due		—		28		216		5,546		—		1,600		—		7,390
90+ Days Past Due		—		150		94		—		—		1,063		—		1,307
Nonaccrual		—		505		2,953		1,109		207		7,951		—		12,725
Total Residential 1-4 Family – Consumer	$	138,041	$	172,325	$	290,653	$	284,778	$	152,338	$	255,669	$	13	$	1,293,817
Current period gross write-off	$	—	$	(76)	$	(3)	$	—	$	—	$	(142)	$	—	$	(221)

Residential 1-4 Family – Revolving
Current	$	17,522	$	33,934	$	45,558	$	10,407	$	3,578	$	1,731	$	634,744	$	747,474
30-59 Days Past Due		—		11		81		—		30		—		1,702		1,824
60-89 Days Past Due		—		—		—		—		—		—		2,110		2,110
90+ Days Past Due		—		178		130		—		—		—		1,402		1,710
Nonaccrual		—		139		112		—		45		—		3,530		3,826
Total Residential 1-4 Family – Revolving	$	17,522	$	34,262	$	45,881	$	10,407	$	3,653	$	1,731	$	643,488	$	756,944
Current period gross write-off	$	—	$	—	$	—	$	(28)	$	—	$	—	$	(189)	$	(217)

Auto
Current	$	2,251	$	55,170	$	145,517	$	68,282	$	28,923	$	11,211	$	—	$	311,354
30-59 Days Past Due		—		507		1,571		1,053		218		266		—		3,615
60-89 Days Past Due		—		97		233		87		—		39		—		456
90+ Days Past Due		—		10		149		74		31		20		—		284
Nonaccrual		—		94		305		113		118		29		—		659
Total Auto	$	2,251	$	55,878	$	147,775	$	69,609	$	29,290	$	11,565	$	—	$	316,368
Current period gross write-off	$	—	$	(243)	$	(835)	$	(335)	$	(82)	$	(75)	$	—	$	(1,570)

Consumer
Current	$	13,664	$	7,932	$	12,490	$	6,998	$	5,903	$	27,967	$	28,574	$	103,528
30-59 Days Past Due		26		73		87		9		10		542		57		804
60-89 Days Past Due		15		54		56		10		14		333		4		486
90+ Days Past Due		—		4		31		3		4		—		2		44
Nonaccrual		—		—		13		7		—		—		—		20
Total Consumer	$	13,705	$	8,063	$	12,677	$	7,027	$	5,931	$	28,842	$	28,637	$	104,882
Current period gross write-off	$	(6)	$	(206)	$	(116)	$	(31)	$	(782)	$	(756)	$	(162)	$	(2,059)

Total Consumer
Current	$	171,245	$	268,273	$	490,941	$	363,340	$	189,581	$	282,112	$	663,331	$	2,428,823
30-59 Days Past Due		259		996		1,753		1,532		1,212		4,660		1,759		12,171
60-89 Days Past Due		15		179		505		5,643		14		1,972		2,114		10,442
90+ Days Past Due		—		342		404		77		35		1,083		1,404		3,345
Nonaccrual		—		738		3,383		1,229		370		7,980		3,530		17,230
Total Consumer	$	171,519	$	270,528	$	496,986	$	371,821	$	191,212	$	297,807	$	672,138	$	2,472,011
Total current period gross write-off	$	(6)	$	(525)	$	(954)	$	(394)	$	(864)	$	(973)	$	(351)	$	(4,067)