LOANS AND ALLOWANCE FOR LOAN LOSSES (Tables)
|
3 Months Ended |
Mar. 31, 2020 |
|---|
| 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 consist of the following at March 31, 2020 and December 31, 2019 (dollars in thousands):
|
|
|
|
|
|
|
|
|
March 31, 2020 |
|
December 31, 2019 |
Construction and Land Development |
|
$ |
1,318,252 |
|
$ |
1,250,924 |
Commercial Real Estate - Owner Occupied |
|
|
2,051,904 |
|
|
2,041,243 |
Commercial Real Estate - Non-Owner Occupied |
|
|
3,328,012 |
|
|
3,286,098 |
Multifamily Real Estate |
|
|
679,390 |
|
|
633,743 |
Commercial & Industrial |
|
|
2,177,932 |
|
|
2,114,033 |
Residential 1-4 Family - Commercial |
|
|
721,800 |
|
|
724,337 |
Residential 1-4 Family - Consumer |
|
|
854,550 |
|
|
890,503 |
Residential 1-4 Family - Revolving |
|
|
652,135 |
|
|
659,504 |
Auto |
|
|
358,039 |
|
|
350,419 |
Consumer |
|
|
352,572 |
|
|
372,853 |
Other Commercial |
|
|
274,255 |
|
|
287,279 |
Total loans held for investment, net |
|
$ |
12,768,841 |
|
$ |
12,610,936 |
|
| Summary of Aging of the Loan Portfolio by Class |
The following table shows the aging of the Company’s loan portfolio, by class, at March 31, 2020 (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 |
|
$ |
1,311,599 |
|
$ |
2,786 |
|
$ |
316 |
|
$ |
317 |
|
$ |
3,234 |
|
$ |
1,318,252 |
Commercial Real Estate - Owner Occupied |
|
|
2,026,741 |
|
|
10,779 |
|
|
1,444 |
|
|
1,690 |
|
|
11,250 |
|
|
2,051,904 |
Commercial Real Estate - Non-Owner Occupied |
|
|
3,319,481 |
|
|
2,087 |
|
|
2,765 |
|
|
2,037 |
|
|
1,642 |
|
|
3,328,012 |
Multifamily Real Estate |
|
|
676,343 |
|
|
623 |
|
|
1,994 |
|
|
377 |
|
|
53 |
|
|
679,390 |
Commercial & Industrial |
|
|
2,167,873 |
|
|
4,893 |
|
|
1,218 |
|
|
517 |
|
|
3,431 |
|
|
2,177,932 |
Residential 1-4 Family - Commercial |
|
|
708,772 |
|
|
4,145 |
|
|
1,066 |
|
|
777 |
|
|
7,040 |
|
|
721,800 |
Residential 1-4 Family - Consumer |
|
|
820,818 |
|
|
15,667 |
|
|
570 |
|
|
4,407 |
|
|
13,088 |
|
|
854,550 |
Residential 1-4 Family - Revolving |
|
|
640,989 |
|
|
4,308 |
|
|
1,286 |
|
|
2,005 |
|
|
3,547 |
|
|
652,135 |
Auto |
|
|
355,084 |
|
|
1,967 |
|
|
311 |
|
|
127 |
|
|
550 |
|
|
358,039 |
Consumer |
|
|
348,953 |
|
|
1,612 |
|
|
1,294 |
|
|
622 |
|
|
91 |
|
|
352,572 |
Other Commercial |
|
|
273,090 |
|
|
1 |
|
|
1,068 |
|
|
— |
|
|
96 |
|
|
274,255 |
Total loans held for investment |
|
$ |
12,649,743 |
|
$ |
48,868 |
|
$ |
13,332 |
|
$ |
12,876 |
|
$ |
44,022 |
|
$ |
12,768,841 |
The following table shows the aging of the Company’s loan portfolio, by class, at December 31, 2019 (dollars in thousands):
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Greater than |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
30-59 Days |
|
60-89 Days |
|
90 Days and |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Past Due |
|
Past Due |
|
still Accruing |
|
PCI |
|
Nonaccrual |
|
Current |
|
Total Loans |
Construction and Land Development |
|
$ |
4,563 |
|
$ |
482 |
|
$ |
189 |
|
$ |
10,944 |
|
$ |
3,703 |
|
$ |
1,231,043 |
|
$ |
1,250,924 |
Commercial Real Estate - Owner Occupied |
|
|
3,482 |
|
|
2,184 |
|
|
1,062 |
|
|
27,438 |
|
|
6,003 |
|
|
2,001,074 |
|
|
2,041,243 |
Commercial Real Estate - Non-Owner Occupied |
|
|
457 |
|
|
— |
|
|
1,451 |
|
|
14,565 |
|
|
381 |
|
|
3,269,244 |
|
|
3,286,098 |
Multifamily Real Estate |
|
|
223 |
|
|
— |
|
|
474 |
|
|
94 |
|
|
— |
|
|
632,952 |
|
|
633,743 |
Commercial & Industrial |
|
|
8,698 |
|
|
1,598 |
|
|
449 |
|
|
1,579 |
|
|
1,735 |
|
|
2,099,974 |
|
|
2,114,033 |
Residential 1-4 Family - Commercial |
|
|
1,479 |
|
|
2,207 |
|
|
674 |
|
|
12,205 |
|
|
4,301 |
|
|
703,471 |
|
|
724,337 |
Residential 1-4 Family - Consumer |
|
|
16,244 |
|
|
3,072 |
|
|
4,515 |
|
|
14,713 |
|
|
9,292 |
|
|
842,667 |
|
|
890,503 |
Residential 1-4 Family - Revolving |
|
|
10,190 |
|
|
1,784 |
|
|
3,357 |
|
|
4,127 |
|
|
2,080 |
|
|
637,966 |
|
|
659,504 |
Auto |
|
|
2,525 |
|
|
236 |
|
|
272 |
|
|
4 |
|
|
563 |
|
|
346,819 |
|
|
350,419 |
Consumer |
|
|
2,128 |
|
|
1,233 |
|
|
953 |
|
|
668 |
|
|
77 |
|
|
367,794 |
|
|
372,853 |
Other Commercial |
|
|
464 |
|
|
— |
|
|
— |
|
|
344 |
|
|
97 |
|
|
286,374 |
|
|
287,279 |
Total loans held for investment |
|
$ |
50,453 |
|
$ |
12,796 |
|
$ |
13,396 |
|
$ |
86,681 |
|
$ |
28,232 |
|
$ |
12,419,378 |
|
$ |
12,610,936 |
|
| Summary of Loans on Nonaccrual Status |
The following table shows the Company’s amortized cost basis of loans on nonaccrual status as of January 1, 2020 as well as amortized cost basis of loans on nonaccrual status and loans past due 90 days and still accruing as of March 31, 2020 (dollars in thousands):
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Nonaccrual |
|
|
|
|
|
|
|
|
January 1, 2020 |
|
March 31, 2020 |
|
Nonaccrual With No ALLL |
|
90 Days and still Accruing |
Construction and Land Development |
|
$ |
4,060 |
|
$ |
3,234 |
|
$ |
1,985 |
|
$ |
317 |
Commercial Real Estate - Owner Occupied |
|
|
13,889 |
|
|
11,250 |
|
|
3,591 |
|
|
1,690 |
Commercial Real Estate - Non-Owner Occupied |
|
|
1,368 |
|
|
1,642 |
|
|
— |
|
|
2,037 |
Multifamily Real Estate |
|
|
— |
|
|
53 |
|
|
— |
|
|
377 |
Commercial & Industrial |
|
|
3,037 |
|
|
3,431 |
|
|
93 |
|
|
517 |
Residential 1-4 Family - Commercial |
|
|
6,492 |
|
|
7,040 |
|
|
1,739 |
|
|
777 |
Residential 1-4 Family - Consumer |
|
|
13,117 |
|
|
13,088 |
|
|
1,069 |
|
|
4,407 |
Residential 1-4 Family - Revolving |
|
|
2,490 |
|
|
3,547 |
|
|
60 |
|
|
2,005 |
Auto |
|
|
565 |
|
|
550 |
|
|
— |
|
|
127 |
Consumer |
|
|
88 |
|
|
91 |
|
|
— |
|
|
622 |
Other Commercial |
|
|
98 |
|
|
96 |
|
|
— |
|
|
— |
Total loans held for investment |
|
$ |
45,204 |
|
$ |
44,022 |
|
$ |
8,537 |
|
$ |
12,876 |
|
| Impaired Loans by Class |
As of December 31, 2019, the Company measured the amount of impairment by evaluating loans either in their collective homogeneous pools or individually. The following table shows the Company’s loans, excluding PCI loans, by class at December 31, 2019 (dollars in thousands):
|
|
|
|
|
|
|
|
|
|
|
|
December 31, 2019 |
|
|
|
|
|
Unpaid |
|
|
|
|
|
Recorded |
|
Principal |
|
Related |
|
|
Investment |
|
Balance |
|
Allowance |
Loans without a specific allowance |
|
|
|
|
|
|
|
|
|
Construction and Land Development |
|
$ |
5,877 |
|
$ |
7,174 |
|
$ |
— |
Commercial Real Estate - Owner Occupied |
|
|
8,801 |
|
|
9,296 |
|
|
— |
Commercial Real Estate - Non-Owner Occupied |
|
|
3,510 |
|
|
4,059 |
|
|
— |
Commercial & Industrial |
|
|
3,668 |
|
|
3,933 |
|
|
— |
Residential 1-4 Family - Commercial |
|
|
4,047 |
|
|
4,310 |
|
|
— |
Residential 1-4 Family - Consumer |
|
|
8,420 |
|
|
9,018 |
|
|
— |
Residential 1-4 Family - Revolving |
|
|
862 |
|
|
865 |
|
|
— |
Total impaired loans without a specific allowance |
|
$ |
35,185 |
|
$ |
38,655 |
|
$ |
— |
Loans with a specific allowance |
|
|
|
|
|
|
|
|
|
Construction and Land Development |
|
$ |
984 |
|
$ |
1,032 |
|
$ |
49 |
Commercial Real Estate - Owner Occupied |
|
|
2,820 |
|
|
3,093 |
|
|
146 |
Commercial Real Estate - Non-Owner Occupied |
|
|
335 |
|
|
383 |
|
|
2 |
Commercial & Industrial |
|
|
2,568 |
|
|
2,590 |
|
|
619 |
Residential 1-4 Family - Commercial |
|
|
1,726 |
|
|
1,819 |
|
|
162 |
Residential 1-4 Family - Consumer |
|
|
12,026 |
|
|
12,670 |
|
|
1,242 |
Residential 1-4 Family - Revolving |
|
|
2,186 |
|
|
2,369 |
|
|
510 |
Auto |
|
|
563 |
|
|
879 |
|
|
221 |
Consumer |
|
|
168 |
|
|
336 |
|
|
46 |
Other Commercial |
|
|
562 |
|
|
567 |
|
|
30 |
Total impaired loans with a specific allowance |
|
$ |
23,938 |
|
$ |
25,738 |
|
$ |
3,027 |
Total impaired loans |
|
$ |
59,123 |
|
$ |
64,393 |
|
$ |
3,027 |
The following table shows the average recorded investment and interest income recognized for the Company’s loans, excluding PCI loans, by class for the three months ended March 31, 2019 (dollars in thousands):
|
|
|
|
|
|
|
|
|
Three Months Ended |
|
|
March 31, 2019 |
|
|
|
|
|
Interest |
|
|
Average |
|
Income |
|
|
Investment |
|
Recognized |
Construction and Land Development |
|
$ |
9,425 |
|
$ |
39 |
Commercial Real Estate - Owner Occupied |
|
|
11,554 |
|
|
105 |
Commercial Real Estate - Non-Owner Occupied |
|
|
6,956 |
|
|
59 |
Commercial & Industrial |
|
|
2,224 |
|
|
14 |
Residential 1-4 Family - Commercial |
|
|
6,475 |
|
|
32 |
Residential 1-4 Family - Consumer |
|
|
18,257 |
|
|
114 |
Residential 1-4 Family - Revolving |
|
|
3,472 |
|
|
40 |
Auto |
|
|
600 |
|
|
— |
Consumer |
|
|
215 |
|
|
2 |
Other Commercial |
|
|
588 |
|
|
8 |
Total impaired loans |
|
$ |
59,766 |
|
$ |
413 |
|
| 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 March 31, 2020 (dollars in thousands):
|
|
|
|
|
|
|
|
|
|
|
March 31, 2020 |
|
|
No. of |
|
Recorded |
|
Outstanding |
|
|
Loans |
|
Investment |
|
Commitment |
Performing |
|
|
|
|
|
|
|
|
Construction and Land Development |
|
4 |
|
$ |
226 |
|
$ |
— |
Commercial Real Estate - Owner Occupied |
|
6 |
|
|
2,223 |
|
|
— |
Commercial Real Estate - Non-Owner Occupied |
|
1 |
|
|
1,089 |
|
|
— |
Commercial & Industrial |
|
4 |
|
|
995 |
|
|
— |
Residential 1-4 Family - Commercial |
|
5 |
|
|
287 |
|
|
— |
Residential 1-4 Family - Consumer |
|
74 |
|
|
9,502 |
|
|
— |
Residential 1-4 Family - Revolving |
|
2 |
|
|
55 |
|
|
— |
Consumer |
|
4 |
|
|
26 |
|
|
— |
Other Commercial |
|
1 |
|
|
462 |
|
|
— |
Total performing |
|
101 |
|
$ |
14,865 |
|
$ |
— |
Nonperforming |
|
|
|
|
|
|
|
|
Commercial Real Estate - Owner Occupied |
|
2 |
|
$ |
172 |
|
$ |
— |
Commercial & Industrial |
|
1 |
|
|
517 |
|
|
— |
Residential 1-4 Family - Consumer |
|
22 |
|
|
4,747 |
|
|
— |
Residential 1-4 Family - Revolving |
|
2 |
|
|
55 |
|
|
— |
Total nonperforming |
|
27 |
|
$ |
5,491 |
|
$ |
— |
Total performing and nonperforming |
|
128 |
|
$ |
20,356 |
|
$ |
— |
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, 2019 (dollars in thousands):
|
|
|
|
|
|
|
|
|
|
|
December 31, 2019 |
|
|
No. of |
|
Recorded |
|
Outstanding |
|
|
Loans |
|
Investment |
|
Commitment |
Performing |
|
|
|
|
|
|
|
|
Construction and Land Development |
|
4 |
|
$ |
1,114 |
|
$ |
— |
Commercial Real Estate - Owner Occupied |
|
6 |
|
|
2,228 |
|
|
26 |
Commercial Real Estate - Non-Owner Occupied |
|
1 |
|
|
1,089 |
|
|
— |
Commercial & Industrial |
|
4 |
|
|
1,020 |
|
|
— |
Residential 1-4 Family - Commercial |
|
5 |
|
|
290 |
|
|
— |
Residential 1-4 Family - Consumer |
|
69 |
|
|
9,396 |
|
|
— |
Residential 1-4 Family - Revolving |
|
2 |
|
|
56 |
|
|
— |
Consumer |
|
4 |
|
|
29 |
|
|
— |
Other Commercial |
|
1 |
|
|
464 |
|
|
— |
Total performing |
|
96 |
|
$ |
15,686 |
|
$ |
26 |
Nonperforming |
|
|
|
|
|
|
|
|
Commercial Real Estate - Owner Occupied |
|
2 |
|
$ |
176 |
|
$ |
— |
Commercial & Industrial |
|
1 |
|
|
55 |
|
|
— |
Residential 1-4 Family - Consumer |
|
19 |
|
|
3,522 |
|
|
— |
Residential 1-4 Family - Revolving |
|
2 |
|
|
57 |
|
|
— |
Total nonperforming |
|
24 |
|
$ |
3,810 |
|
$ |
— |
Total performing and nonperforming |
|
120 |
|
$ |
19,496 |
|
$ |
26 |
|
| Schedule of TDR by Class and Modification Type |
The following table shows, by class and modification type, TDRs that occurred during the three months ended March 31, 2020 (dollars in thousands):
|
|
|
|
|
|
|
|
All Restructurings |
|
|
Three Months Ended March 31, 2020 |
|
|
|
|
Recorded |
|
|
No. of |
|
Investment at |
|
|
Loans |
|
Period End |
Modified to interest only, at a market rate |
|
|
|
|
|
Total interest only at market rate of interest |
|
— |
|
$ |
— |
|
|
|
|
|
|
Term modification, at a market rate |
|
|
|
|
|
Commercial & Industrial |
|
1 |
|
$ |
517 |
Total loan term extended at a market rate |
|
1 |
|
$ |
517 |
|
|
|
|
|
|
Term modification, below market rate |
|
|
|
|
|
Construction and Land Development |
|
1 |
|
$ |
35 |
Residential 1-4 Family - Consumer |
|
10 |
|
|
1,763 |
Total loan term extended at a below market rate |
|
11 |
|
$ |
1,798 |
|
|
|
|
|
|
Interest rate modification, below market rate |
|
|
|
|
|
Total interest only at below market rate of interest |
|
— |
|
$ |
— |
|
|
|
|
|
|
Total |
|
12 |
|
$ |
2,315 |
The following table shows, by class and modification type, TDRs that occurred during the three months ended March 31, 2019 (dollars in thousands):
|
|
|
|
|
|
|
|
All Restructurings |
|
|
Three Months Ended March 31, 2019 |
|
|
|
|
Recorded |
|
|
No. of |
|
Investment at |
|
|
Loans |
|
Period End |
Modified to interest only, at a market rate |
|
|
|
|
|
Total interest only at market rate of interest |
|
— |
|
$ |
— |
|
|
|
|
|
|
Term modification, at a market rate |
|
|
|
|
|
Commercial & Industrial |
|
1 |
|
$ |
441 |
Residential 1-4 Family - Commercial |
|
1 |
|
|
75 |
Residential 1-4 Family - Consumer |
|
2 |
|
|
263 |
Consumer |
|
1 |
|
|
10 |
Total loan term extended at a market rate |
|
5 |
|
$ |
789 |
|
|
|
|
|
|
Term modification, below market rate |
|
|
|
|
|
Residential 1-4 Family - Consumer |
|
5 |
|
$ |
937 |
Consumer |
|
1 |
|
|
6 |
Total loan term extended at a below market rate |
|
6 |
|
$ |
943 |
|
|
|
|
|
|
Total |
|
11 |
|
$ |
1,732 |
|
|
|
|
|
|
|
| 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 segment for the three months ended March 31, 2020 (dollars in thousands):
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Three Months Ended March 31, 2020 |
|
|
Commercial |
|
Consumer |
|
Total |
Balance, beginning of year |
|
$ |
30,941 |
|
$ |
11,353 |
|
$ |
42,294 |
Impact of ASC 326 adoption on non-PCD loans |
|
|
4,432 |
|
|
40,666 |
|
|
45,098 |
Impact of ASC 326 adoption on PCD loans |
|
|
1,752 |
|
|
634 |
|
|
2,386 |
Impact of ASC 326 adoption |
|
|
6,184 |
|
|
41,300 |
|
|
47,484 |
Loans charged-off |
|
|
(2,968) |
|
|
(4,183) |
|
|
(7,151) |
Recoveries credited to allowance |
|
|
1,154 |
|
|
1,006 |
|
|
2,160 |
Provision charged to operations |
|
|
42,532 |
|
|
13,724 |
|
|
56,256 |
Balance, end of period |
|
$ |
77,843 |
|
$ |
63,200 |
|
$ |
141,043 |
The following table shows the ALLL activity by class for the three months ended March 31, 2019. The table below includes the provision for loan losses. Allocation of a portion of the allowance to one category of loans does not preclude its availability to absorb losses in other categories (dollars in thousands):
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Three Months Ended March 31, 2019 |
|
|
Allowance for loan and lease losses |
|
|
Balance, |
|
Recoveries |
|
Loans |
|
Provision |
|
Balance, |
|
|
beginning of |
|
credited to |
|
charged |
|
charged to |
|
end of |
|
|
the year |
|
allowance |
|
off |
|
operations |
|
period |
Construction and Land Development |
|
$ |
6,803 |
|
$ |
27 |
|
$ |
(732) |
|
$ |
126 |
|
$ |
6,224 |
Commercial Real Estate - Owner Occupied |
|
|
4,023 |
|
|
25 |
|
|
(47) |
|
|
29 |
|
|
4,030 |
Commercial Real Estate - Non-Owner Occupied |
|
|
8,865 |
|
|
89 |
|
|
— |
|
|
82 |
|
|
9,036 |
Multifamily Real Estate |
|
|
649 |
|
|
85 |
|
|
— |
|
|
(74) |
|
|
660 |
Commercial & Industrial |
|
|
7,636 |
|
|
360 |
|
|
(980) |
|
|
395 |
|
|
7,411 |
Residential 1-4 Family - Commercial |
|
|
1,692 |
|
|
87 |
|
|
(66) |
|
|
47 |
|
|
1,760 |
Residential 1-4 Family - Consumer |
|
|
1,492 |
|
|
155 |
|
|
(32) |
|
|
117 |
|
|
1,732 |
Residential 1-4 Family - Revolving |
|
|
1,297 |
|
|
87 |
|
|
(216) |
|
|
238 |
|
|
1,406 |
Auto |
|
|
1,443 |
|
|
186 |
|
|
(399) |
|
|
216 |
|
|
1,446 |
Consumer and all other(1) |
|
|
7,145 |
|
|
595 |
|
|
(3,467) |
|
|
2,849 |
|
|
7,122 |
Total |
|
$ |
41,045 |
|
$ |
1,696 |
|
$ |
(5,939) |
|
$ |
4,025 |
|
$ |
40,827 |
(1)Consumer and Other Commercial are grouped together as Consumer and all other for reporting purposes.
The following tables show the loan and ALLL balances based on impairment methodology by class as of December 31, 2019 (dollars in thousands):
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
December 31, 2019 |
|
|
Loans individually |
|
Loans collectively |
|
Loans acquired with |
|
|
|
|
|
|
|
|
evaluated for |
|
evaluated for |
|
deteriorated credit |
|
|
|
|
|
|
|
|
impairment |
|
impairment |
|
quality |
|
Total |
|
|
Loans |
|
ALL |
|
Loans |
|
ALL |
|
Loans |
|
ALL |
|
Loans |
|
ALL |
Construction and Land Development |
|
$ |
6,861 |
|
$ |
49 |
|
$ |
1,233,119 |
|
$ |
5,709 |
|
$ |
10,944 |
|
$ |
— |
|
$ |
1,250,924 |
|
$ |
5,758 |
Commercial Real Estate - Owner Occupied |
|
|
11,621 |
|
|
146 |
|
|
2,002,184 |
|
|
3,773 |
|
|
27,438 |
|
|
— |
|
|
2,041,243 |
|
|
3,919 |
Commercial Real Estate - Non-Owner Occupied |
|
|
3,845 |
|
|
2 |
|
|
3,267,688 |
|
|
9,541 |
|
|
14,565 |
|
|
— |
|
|
3,286,098 |
|
|
9,543 |
Multifamily Real Estate |
|
|
— |
|
|
— |
|
|
633,649 |
|
|
632 |
|
|
94 |
|
|
— |
|
|
633,743 |
|
|
632 |
Commercial & Industrial |
|
|
6,236 |
|
|
619 |
|
|
2,106,218 |
|
|
7,768 |
|
|
1,579 |
|
|
217 |
|
|
2,114,033 |
|
|
8,604 |
Residential 1-4 Family - Commercial |
|
|
5,773 |
|
|
162 |
|
|
706,359 |
|
|
1,203 |
|
|
12,205 |
|
|
— |
|
|
724,337 |
|
|
1,365 |
Residential 1-4 Family - Consumer |
|
|
20,446 |
|
|
1,242 |
|
|
855,344 |
|
|
771 |
|
|
14,713 |
|
|
— |
|
|
890,503 |
|
|
2,013 |
Residential 1-4 Family - Revolving |
|
|
3,048 |
|
|
510 |
|
|
652,329 |
|
|
813 |
|
|
4,127 |
|
|
— |
|
|
659,504 |
|
|
1,323 |
Auto |
|
|
563 |
|
|
221 |
|
|
349,852 |
|
|
1,232 |
|
|
4 |
|
|
— |
|
|
350,419 |
|
|
1,453 |
Consumer and all other(1) |
|
|
730 |
|
|
76 |
|
|
658,390 |
|
|
7,608 |
|
|
1,012 |
|
|
— |
|
|
660,132 |
|
|
7,684 |
Total loans held for investment, net |
|
$ |
59,123 |
|
$ |
3,027 |
|
$ |
12,465,132 |
|
$ |
39,050 |
|
$ |
86,681 |
|
$ |
217 |
|
$ |
12,610,936 |
|
$ |
42,294 |
(1)Consumer and Other Commercial are grouped together as Consumer and all other for reporting purposes.
|
| Loans Receivables Related Risk Rating |
The following table shows the recorded investment in all loans, excluding PCI loans, by segment with their related risk level as of December 31, 2019 (dollars in thousands):
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Pass |
|
Watch & Special Mention |
|
Substandard |
|
Doubtful |
|
Total |
Construction and Land Development |
|
$ |
1,197,066 |
|
$ |
37,182 |
|
$ |
5,732 |
|
$ |
— |
|
$ |
1,239,980 |
Commercial Real Estate - Owner Occupied |
|
|
1,916,492 |
|
|
87,004 |
|
|
10,309 |
|
|
— |
|
|
2,013,805 |
Commercial Real Estate - Non-Owner Occupied |
|
|
3,205,463 |
|
|
62,368 |
|
|
3,608 |
|
|
94 |
|
|
3,271,533 |
Multifamily Real Estate |
|
|
613,844 |
|
|
19,396 |
|
|
409 |
|
|
— |
|
|
633,649 |
Commercial & Industrial |
|
|
2,043,903 |
|
|
60,495 |
|
|
8,048 |
|
|
8 |
|
|
2,112,454 |
Residential 1-4 Family - Commercial |
|
|
680,894 |
|
|
24,864 |
|
|
6,374 |
|
|
— |
|
|
712,132 |
Residential 1-4 Family - Consumer |
|
|
841,408 |
|
|
13,592 |
|
|
20,534 |
|
|
256 |
|
|
875,790 |
Residential 1-4 Family - Revolving |
|
|
641,069 |
|
|
6,373 |
|
|
7,935 |
|
|
— |
|
|
655,377 |
Auto |
|
|
345,960 |
|
|
2,630 |
|
|
1,825 |
|
|
— |
|
|
350,415 |
Consumer |
|
|
371,315 |
|
|
550 |
|
|
320 |
|
|
— |
|
|
372,185 |
Other Commercial |
|
|
284,914 |
|
|
1,863 |
|
|
158 |
|
|
— |
|
|
286,935 |
Total |
|
$ |
12,142,328 |
|
$ |
316,317 |
|
$ |
65,252 |
|
$ |
358 |
|
$ |
12,524,255 |
|
| Schedule of Acquired Loan Portfolio and Accretable Yield |
The following shows changes in the accretable yield for loans accounted for under ASC 310-30, Receivables – Loans and Debt Securities Acquired with Deteriorated Credit Quality, as of March 31, 2019 (dollars in thousands):
|
|
|
|
|
|
For the Three Months Ended March 31, |
|
|
2019 |
Balance at beginning of period |
|
$ |
31,201 |
Additions |
|
|
2,432 |
Accretion |
|
|
(2,385) |
Reclass of nonaccretable difference due to improvement in expected cash flows |
|
|
465 |
Other, net (1) |
|
|
1,508 |
Balance at end of period |
|
$ |
33,221 |
| (1) |
This line item represents changes in the cash flows expected to be collected due to the impact of non-credit changes such as prepayment assumptions, changes in interest rates on variable rate PCI loans, and discounted payoffs that occurred in the quarter. |
|
| Purchased Impaired |
|
| Accounts, Notes, Loans and Financing Receivable [Line Items] |
|
| Summary of Aging of the Loan Portfolio by Class |
The following table shows the PCI loan portfolios, by class and their delinquency status, at December 31, 2019 (dollars in thousands):
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
30-89 Days |
|
Greater than |
|
|
|
|
|
|
|
|
Past Due |
|
90 Days |
|
Current |
|
Total |
Construction and Land Development |
|
$ |
136 |
|
$ |
343 |
|
$ |
10,465 |
|
$ |
10,944 |
Commercial Real Estate - Owner Occupied |
|
|
480 |
|
|
6,884 |
|
|
20,074 |
|
|
27,438 |
Commercial Real Estate - Non-Owner Occupied |
|
|
848 |
|
|
987 |
|
|
12,730 |
|
|
14,565 |
Multifamily Real Estate |
|
|
— |
|
|
— |
|
|
94 |
|
|
94 |
Commercial & Industrial |
|
|
— |
|
|
989 |
|
|
590 |
|
|
1,579 |
Residential 1-4 Family - Commercial |
|
|
543 |
|
|
1,995 |
|
|
9,667 |
|
|
12,205 |
Residential 1-4 Family - Consumer |
|
|
927 |
|
|
1,781 |
|
|
12,005 |
|
|
14,713 |
Residential 1-4 Family - Revolving |
|
|
287 |
|
|
205 |
|
|
3,635 |
|
|
4,127 |
Auto |
|
|
— |
|
|
— |
|
|
4 |
|
|
4 |
Consumer |
|
|
— |
|
|
9 |
|
|
659 |
|
|
668 |
Other Commercial |
|
|
— |
|
|
— |
|
|
344 |
|
|
344 |
Total |
|
$ |
3,221 |
|
$ |
13,193 |
|
$ |
70,267 |
|
$ |
86,681 |
|
| Loans Receivables Related Risk Rating |
The following table shows the recorded investment in only PCI loans by segment with their related risk level as of December 31, 2019 (dollars in thousands):
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Pass |
|
Watch & Special Mention |
|
Substandard |
|
Doubtful |
|
Total |
Construction and Land Development |
|
$ |
1,092 |
|
$ |
3,692 |
|
$ |
6,160 |
|
$ |
— |
|
$ |
10,944 |
Commercial Real Estate - Owner Occupied |
|
|
8,264 |
|
|
10,524 |
|
|
8,650 |
|
|
— |
|
|
27,438 |
Commercial Real Estate - Non-Owner Occupied |
|
|
3,826 |
|
|
9,415 |
|
|
1,324 |
|
|
— |
|
|
14,565 |
Multifamily Real Estate |
|
|
— |
|
|
94 |
|
|
— |
|
|
— |
|
|
94 |
Commercial & Industrial |
|
|
127 |
|
|
25 |
|
|
1,427 |
|
|
— |
|
|
1,579 |
Residential 1-4 Family - Commercial |
|
|
6,000 |
|
|
2,693 |
|
|
3,512 |
|
|
— |
|
|
12,205 |
Residential 1-4 Family - Consumer |
|
|
9,947 |
|
|
557 |
|
|
4,209 |
|
|
— |
|
|
14,713 |
Residential 1-4 Family - Revolving |
|
|
2,887 |
|
|
707 |
|
|
533 |
|
|
— |
|
|
4,127 |
Auto |
|
|
2 |
|
|
— |
|
|
2 |
|
|
— |
|
|
4 |
Consumer |
|
|
657 |
|
|
— |
|
|
11 |
|
|
— |
|
|
668 |
Other Commercial |
|
|
120 |
|
|
224 |
|
|
— |
|
|
— |
|
|
344 |
Total |
|
$ |
32,922 |
|
$ |
27,931 |
|
$ |
25,828 |
|
$ |
— |
|
$ |
86,681 |
|
| 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 March 31, 2020 (dollars in thousands):
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
March 31, 2020 |
|
|
|
Term Loans Amortized Cost Basis by Origination Year |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Revolving |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Loans |
|
|
2020 |
|
2019 |
|
2018 |
|
2017 |
|
2016 |
|
Prior |
|
Revolving Loans |
|
Total |
|
Converted to Term |
Construction and Land Development |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Pass |
|
$ |
69,552 |
|
$ |
467,635 |
|
$ |
434,210 |
|
$ |
132,703 |
|
$ |
53,894 |
|
$ |
81,829 |
|
$ |
30,573 |
|
$ |
1,270,396 |
|
$ |
— |
Watch & Special Mention |
|
|
1,200 |
|
|
8,607 |
|
|
1,566 |
|
|
865 |
|
|
6,615 |
|
|
15,627 |
|
|
1,848 |
|
|
36,328 |
|
|
— |
Substandard |
|
|
— |
|
|
— |
|
|
732 |
|
|
736 |
|
|
2,405 |
|
|
7,655 |
|
|
— |
|
|
11,528 |
|
|
— |
Total Construction and Land Development |
|
$ |
70,752 |
|
$ |
476,242 |
|
$ |
436,508 |
|
$ |
134,304 |
|
$ |
62,914 |
|
$ |
105,111 |
|
$ |
32,421 |
|
$ |
1,318,252 |
|
$ |
— |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Commercial Real Estate - Owner Occupied |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Pass |
|
$ |
79,743 |
|
$ |
391,157 |
|
$ |
312,340 |
|
$ |
266,525 |
|
$ |
147,239 |
|
$ |
681,938 |
|
$ |
37,492 |
|
$ |
1,916,434 |
|
$ |
— |
Watch & Special Mention |
|
|
— |
|
|
5,726 |
|
|
16,831 |
|
|
15,683 |
|
|
25,211 |
|
|
47,288 |
|
|
3,551 |
|
|
114,290 |
|
|
— |
Substandard |
|
|
— |
|
|
— |
|
|
1,115 |
|
|
1,333 |
|
|
2,730 |
|
|
15,628 |
|
|
374 |
|
|
21,180 |
|
|
— |
Total Commercial Real Estate - Owner Occupied |
|
$ |
79,743 |
|
$ |
396,883 |
|
$ |
330,286 |
|
$ |
283,541 |
|
$ |
175,180 |
|
$ |
744,854 |
|
$ |
41,417 |
|
$ |
2,051,904 |
|
$ |
— |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Commercial Real Estate - Non-Owner Occupied |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Pass |
|
$ |
100,998 |
|
$ |
501,212 |
|
$ |
490,930 |
|
$ |
472,440 |
|
$ |
480,363 |
|
$ |
1,159,966 |
|
$ |
44,949 |
|
$ |
3,250,858 |
|
$ |
— |
Watch & Special Mention |
|
|
— |
|
|
1,061 |
|
|
8,838 |
|
|
13,449 |
|
|
16,707 |
|
|
29,450 |
|
|
838 |
|
|
70,343 |
|
|
— |
Substandard |
|
|
— |
|
|
— |
|
|
164 |
|
|
— |
|
|
25 |
|
|
6,330 |
|
|
200 |
|
|
6,719 |
|
|
— |
Doubtful |
|
|
— |
|
|
— |
|
|
— |
|
|
— |
|
|
— |
|
|
— |
|
|
92 |
|
|
92 |
|
|
— |
Total Commercial Real Estate - Non-Owner Occupied |
|
$ |
100,998 |
|
$ |
502,273 |
|
$ |
499,932 |
|
$ |
485,889 |
|
$ |
497,095 |
|
$ |
1,195,746 |
|
$ |
46,079 |
|
$ |
3,328,012 |
|
$ |
— |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Commercial & Industrial |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Pass |
|
$ |
127,407 |
|
$ |
445,967 |
|
$ |
280,399 |
|
$ |
90,466 |
|
$ |
90,219 |
|
$ |
176,554 |
|
$ |
894,146 |
|
$ |
2,105,158 |
|
$ |
353 |
Watch & Special Mention |
|
|
457 |
|
|
3,817 |
|
|
7,987 |
|
|
1,520 |
|
|
3,900 |
|
|
4,367 |
|
|
40,039 |
|
|
62,087 |
|
|
49 |
Substandard |
|
|
— |
|
|
505 |
|
|
1,015 |
|
|
253 |
|
|
900 |
|
|
3,222 |
|
|
4,792 |
|
|
10,687 |
|
|
— |
Total Commercial & Industrial |
|
$ |
127,864 |
|
$ |
450,289 |
|
$ |
289,401 |
|
$ |
92,239 |
|
$ |
95,019 |
|
$ |
184,143 |
|
$ |
938,977 |
|
$ |
2,177,932 |
|
$ |
402 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Multifamily Real Estate |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Pass |
|
$ |
60,276 |
|
$ |
78,954 |
|
$ |
63,329 |
|
$ |
129,106 |
|
$ |
64,831 |
|
$ |
254,868 |
|
$ |
7,286 |
|
$ |
658,650 |
|
$ |
— |
Watch & Special Mention |
|
|
— |
|
|
— |
|
|
— |
|
|
8,286 |
|
|
1,134 |
|
|
10,551 |
|
|
339 |
|
|
20,310 |
|
|
— |
Substandard |
|
|
— |
|
|
— |
|
|
— |
|
|
— |
|
|
— |
|
|
430 |
|
|
— |
|
|
430 |
|
|
— |
Total Multifamily Real Estate |
|
$ |
60,276 |
|
$ |
78,954 |
|
$ |
63,329 |
|
$ |
137,392 |
|
$ |
65,965 |
|
$ |
265,849 |
|
$ |
7,625 |
|
$ |
679,390 |
|
$ |
— |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Residential 1-4 Family - Commercial |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Pass |
|
$ |
29,989 |
|
$ |
112,509 |
|
$ |
79,932 |
|
$ |
104,116 |
|
$ |
86,412 |
|
$ |
264,081 |
|
$ |
1,911 |
|
$ |
678,950 |
|
$ |
810 |
Watch & Special Mention |
|
|
880 |
|
|
2,720 |
|
|
8,378 |
|
|
3,617 |
|
|
2,159 |
|
|
13,689 |
|
|
— |
|
|
31,443 |
|
|
2,762 |
Substandard |
|
|
— |
|
|
— |
|
|
310 |
|
|
632 |
|
|
1,846 |
|
|
8,002 |
|
|
617 |
|
|
11,407 |
|
|
76 |
Total Residential 1-4 Family - Commercial |
|
$ |
30,869 |
|
$ |
115,229 |
|
$ |
88,620 |
|
$ |
108,365 |
|
$ |
90,417 |
|
$ |
285,772 |
|
$ |
2,528 |
|
$ |
721,800 |
|
$ |
3,648 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Other Commercial |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Pass |
|
$ |
1,468 |
|
$ |
116,582 |
|
$ |
9,904 |
|
$ |
43,520 |
|
$ |
17,802 |
|
$ |
59,403 |
|
$ |
19,049 |
|
$ |
267,728 |
|
$ |
— |
Watch & Special Mention |
|
|
— |
|
|
— |
|
|
636 |
|
|
1,337 |
|
|
— |
|
|
4,344 |
|
|
54 |
|
|
6,371 |
|
|
— |
Substandard |
|
|
— |
|
|
— |
|
|
— |
|
|
60 |
|
|
— |
|
|
96 |
|
|
— |
|
|
156 |
|
|
— |
Total Other Commercial |
|
$ |
1,468 |
|
$ |
116,582 |
|
$ |
10,540 |
|
$ |
44,917 |
|
$ |
17,802 |
|
$ |
63,843 |
|
$ |
19,103 |
|
$ |
274,255 |
|
$ |
— |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Total Commercial |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Pass |
|
$ |
469,433 |
|
$ |
2,114,016 |
|
$ |
1,671,044 |
|
$ |
1,238,876 |
|
$ |
940,760 |
|
$ |
2,678,639 |
|
$ |
1,035,406 |
|
$ |
10,148,174 |
|
$ |
1,163 |
Watch & Special Mention |
|
|
2,537 |
|
|
21,931 |
|
|
44,236 |
|
|
44,757 |
|
|
55,726 |
|
|
125,316 |
|
|
46,669 |
|
|
341,172 |
|
|
2,811 |
Substandard |
|
|
— |
|
|
505 |
|
|
3,336 |
|
|
3,014 |
|
|
7,906 |
|
|
41,363 |
|
|
5,983 |
|
|
62,107 |
|
|
76 |
Doubtful |
|
|
— |
|
|
— |
|
|
— |
|
|
— |
|
|
— |
|
|
— |
|
|
92 |
|
|
92 |
|
|
— |
Total Commercial |
|
$ |
471,970 |
|
$ |
2,136,452 |
|
$ |
1,718,616 |
|
$ |
1,286,647 |
|
$ |
1,004,392 |
|
$ |
2,845,318 |
|
$ |
1,088,150 |
|
$ |
10,551,545 |
|
$ |
4,050 |
|
| 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 March 31, 2020 (dollars in thousands):
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
March 31, 2020 |
|
|
|
Term Loans Amortized Cost Basis by Origination Year |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Revolving |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Loans |
|
|
2020 |
|
2019 |
|
2018 |
|
2017 |
|
2016 |
|
Prior |
|
Revolving Loans |
|
Total |
|
Converted to Term |
Residential 1-4 Family - Consumer |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Current |
|
$ |
21,273 |
|
$ |
95,266 |
|
$ |
105,226 |
|
$ |
99,655 |
|
$ |
129,032 |
|
$ |
370,353 |
|
$ |
13 |
|
$ |
820,818 |
|
$ |
— |
30-59 Days Past Due |
|
|
— |
|
|
1,268 |
|
|
1,537 |
|
|
2,566 |
|
|
453 |
|
|
9,843 |
|
|
— |
|
|
15,667 |
|
|
— |
60-89 Days Past Due |
|
|
— |
|
|
— |
|
|
109 |
|
|
77 |
|
|
— |
|
|
384 |
|
|
— |
|
|
570 |
|
|
— |
90+ Days Past Due |
|
|
— |
|
|
728 |
|
|
125 |
|
|
445 |
|
|
276 |
|
|
2,833 |
|
|
— |
|
|
4,407 |
|
|
— |
Nonaccrual |
|
|
— |
|
|
— |
|
|
888 |
|
|
891 |
|
|
797 |
|
|
10,512 |
|
|
— |
|
|
13,088 |
|
|
— |
Total Residential 1-4 Family - Consumer |
|
$ |
21,273 |
|
$ |
97,262 |
|
$ |
107,885 |
|
$ |
103,634 |
|
$ |
130,558 |
|
$ |
393,925 |
|
$ |
13 |
|
$ |
854,550 |
|
$ |
— |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Residential 1-4 Family - Revolving |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Current |
|
$ |
6,463 |
|
$ |
7,732 |
|
$ |
2,641 |
|
$ |
21 |
|
$ |
— |
|
$ |
661 |
|
$ |
623,471 |
|
$ |
640,989 |
|
$ |
— |
30-59 Days Past Due |
|
|
— |
|
|
49 |
|
|
— |
|
|
— |
|
|
— |
|
|
— |
|
|
4,259 |
|
|
4,308 |
|
|
— |
60-89 Days Past Due |
|
|
— |
|
|
— |
|
|
— |
|
|
— |
|
|
— |
|
|
— |
|
|
1,286 |
|
|
1,286 |
|
|
— |
90+ Days Past Due |
|
|
— |
|
|
— |
|
|
— |
|
|
— |
|
|
— |
|
|
— |
|
|
2,005 |
|
|
2,005 |
|
|
— |
Nonaccrual |
|
|
— |
|
|
— |
|
|
— |
|
|
— |
|
|
— |
|
|
314 |
|
|
3,233 |
|
|
3,547 |
|
|
— |
Total Residential 1-4 Family - Revolving |
|
$ |
6,463 |
|
$ |
7,781 |
|
$ |
2,641 |
|
$ |
21 |
|
$ |
— |
|
$ |
975 |
|
$ |
634,254 |
|
$ |
652,135 |
|
$ |
— |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Consumer |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Current |
|
$ |
25,016 |
|
$ |
106,175 |
|
$ |
110,825 |
|
$ |
34,857 |
|
$ |
14,995 |
|
$ |
20,293 |
|
$ |
36,792 |
|
$ |
348,953 |
|
$ |
— |
30-59 Days Past Due |
|
|
— |
|
|
329 |
|
|
692 |
|
|
198 |
|
|
11 |
|
|
342 |
|
|
40 |
|
|
1,612 |
|
|
— |
60-89 Days Past Due |
|
|
— |
|
|
193 |
|
|
699 |
|
|
84 |
|
|
28 |
|
|
288 |
|
|
2 |
|
|
1,294 |
|
|
— |
90+ Days Past Due |
|
|
— |
|
|
139 |
|
|
368 |
|
|
94 |
|
|
13 |
|
|
— |
|
|
8 |
|
|
622 |
|
|
— |
Nonaccrual |
|
|
— |
|
|
— |
|
|
— |
|
|
— |
|
|
3 |
|
|
88 |
|
|
— |
|
|
91 |
|
|
— |
Total Consumer |
|
$ |
25,016 |
|
$ |
106,836 |
|
$ |
112,584 |
|
$ |
35,233 |
|
$ |
15,050 |
|
$ |
21,011 |
|
$ |
36,842 |
|
$ |
352,572 |
|
$ |
— |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Auto |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Current |
|
$ |
35,381 |
|
$ |
149,149 |
|
$ |
77,698 |
|
$ |
48,701 |
|
$ |
28,777 |
|
$ |
15,378 |
|
$ |
— |
|
$ |
355,084 |
|
$ |
— |
30-59 Days Past Due |
|
|
— |
|
|
463 |
|
|
528 |
|
|
447 |
|
|
347 |
|
|
182 |
|
|
— |
|
|
1,967 |
|
|
— |
60-89 Days Past Due |
|
|
— |
|
|
63 |
|
|
52 |
|
|
92 |
|
|
40 |
|
|
64 |
|
|
— |
|
|
311 |
|
|
— |
90+ Days Past Due |
|
|
— |
|
|
77 |
|
|
24 |
|
|
12 |
|
|
— |
|
|
14 |
|
|
— |
|
|
127 |
|
|
— |
Nonaccrual |
|
|
— |
|
|
117 |
|
|
81 |
|
|
106 |
|
|
148 |
|
|
98 |
|
|
— |
|
|
550 |
|
|
— |
Total Auto |
|
$ |
35,381 |
|
$ |
149,869 |
|
$ |
78,383 |
|
$ |
49,358 |
|
$ |
29,312 |
|
$ |
15,736 |
|
$ |
— |
|
$ |
358,039 |
|
$ |
— |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Total Consumer |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Current |
|
$ |
88,133 |
|
$ |
358,322 |
|
$ |
296,390 |
|
$ |
183,234 |
|
$ |
172,804 |
|
$ |
406,685 |
|
$ |
660,276 |
|
$ |
2,165,844 |
|
$ |
— |
30-59 Days Past Due |
|
|
— |
|
|
2,109 |
|
|
2,757 |
|
|
3,211 |
|
|
811 |
|
|
10,367 |
|
|
4,299 |
|
|
23,554 |
|
|
— |
60-89 Days Past Due |
|
|
— |
|
|
256 |
|
|
860 |
|
|
253 |
|
|
68 |
|
|
736 |
|
|
1,288 |
|
|
3,461 |
|
|
— |
90+ Days Past Due |
|
|
— |
|
|
944 |
|
|
517 |
|
|
551 |
|
|
289 |
|
|
2,847 |
|
|
2,013 |
|
|
7,161 |
|
|
— |
Nonaccrual |
|
|
— |
|
|
117 |
|
|
969 |
|
|
997 |
|
|
948 |
|
|
11,012 |
|
|
3,233 |
|
|
17,276 |
|
|
— |
Total Consumer |
|
$ |
88,133 |
|
$ |
361,748 |
|
$ |
301,493 |
|
$ |
188,246 |
|
$ |
174,920 |
|
$ |
431,647 |
|
$ |
671,109 |
|
$ |
2,217,296 |
|
$ |
— |
|