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Allowance for Credit Losses (ACL) - Disaggregated analysis of the changes in allowance for credit losses (Details) - USD ($) $ in Thousands | 12 Months Ended
--- | ---
Dec. 31, 2023 | Dec. 31, 2022 | Dec. 31, 2021
Allowance for credit losses |  |  |
Balance at beginning of period | $ 356,444 | $ 301,807 | $ 457,309
Charge-offs | (40,648) | (23,446) | (16,899)
Recoveries | 15,782 | 19,173 | 13,800
Net (charge-offs) recoveries | (24,866) | (4,273) | (3,099)
Provision (benefit) | 124,995 | 31,455 | (152,403)
Balance at end of period | 456,573 | 356,444 | 301,807
Unfunded Commitment |  |  |
Allowance for credit losses |  |  |
Provision (recovery) | 10,900 | (36,700) | 12,900
Initial PCD Allowance |  |  |
Allowance for credit losses |  |  |
Balance at beginning of period | 13,758 |  |
Balance at end of period |  | 13,758 |
Initial Non PCD Allowance |  |  |
Allowance for credit losses |  |  |
Balance at beginning of period | 13,697 |  |
Balance at end of period |  | 13,697 |
Residential Mortgage Sr. |  |  |
Allowance for credit losses |  |  |
Balance at beginning of period | 72,188 | 47,036 | 63,561
Charge-offs | (187) | (197) | (204)
Recoveries | 922 | 1,233 | 1,547
Net (charge-offs) recoveries | 735 | 1,036 | 1,343
Provision (benefit) | 5,129 | 22,953 | (17,868)
Balance at end of period | 78,052 | 72,188 | 47,036
Residential Mortgage Sr. | Initial PCD Allowance |  |  |
Allowance for credit losses |  |  |
Balance at beginning of period | 811 |  |
Balance at end of period |  | 811 |
Residential Mortgage Sr. | Initial Non PCD Allowance |  |  |
Allowance for credit losses |  |  |
Balance at beginning of period | 352 |  |
Balance at end of period |  | 352 |
Residential Mortgage Jr. |  |  |
Allowance for credit losses |  |  |
Balance at beginning of period | 405 | 611 | 1,238
Charge-offs |  | (19) |
Recoveries | 108 | 231 | 146
Net (charge-offs) recoveries | 108 | 212 | 146
Provision (benefit) | 232 | (444) | (773)
Balance at end of period | 745 | 405 | 611
Residential Mortgage Jr. | Initial Non PCD Allowance |  |  |
Allowance for credit losses |  |  |
Balance at beginning of period | 26 |  |
Balance at end of period |  | 26 |
HELOC |  |  |
Allowance for credit losses |  |  |
Balance at beginning of period | 14,886 | 13,325 | 16,698
Charge-offs | (177) | (445) | (1,002)
Recoveries | 1,250 | 3,981 | 2,256
Net (charge-offs) recoveries | 1,073 | 3,536 | 1,254
Provision (benefit) | (5,017) | (2,107) | (4,627)
Balance at end of period | 10,942 | 14,886 | 13,325
HELOC | Initial Non PCD Allowance |  |  |
Allowance for credit losses |  |  |
Balance at beginning of period | 132 |  |
Balance at end of period |  | 132 |
Residential Construction |  |  |
Allowance for credit losses |  |  |
Balance at beginning of period | 8,974 | 4,997 | 4,914
Charge-offs |  | (21) | (29)
Recoveries | 128 | 8 | 60
Net (charge-offs) recoveries | 128 | (13) | 31
Provision (benefit) | (4,078) | 3,988 | 52
Balance at end of period | 5,024 | 8,974 | 4,997
Residential Construction | Initial Non PCD Allowance |  |  |
Allowance for credit losses |  |  |
Balance at beginning of period | 2 |  |
Balance at end of period |  | 2 |
Commercial Construction and Development |  |  |
Allowance for credit losses |  |  |
Balance at beginning of period | 45,410 | 37,593 | 67,197
Charge-offs | (225) | (4) | (87)
Recoveries | 687 | 1,104 | 1,861
Net (charge-offs) recoveries | 462 | 1,100 | 1,774
Provision (benefit) | 19,900 | 4,744 | (31,378)
Balance at end of period | 65,772 | 45,410 | 37,593
Commercial Construction and Development | Initial PCD Allowance |  |  |
Allowance for credit losses |  |  |
Balance at beginning of period | 86 |  |
Balance at end of period |  | 86 |
Commercial Construction and Development | Initial Non PCD Allowance |  |  |
Allowance for credit losses |  |  |
Balance at beginning of period | 1,887 |  |
Balance at end of period |  | 1,887 |
Consumer |  |  |
Allowance for credit losses |  |  |
Balance at beginning of period | 22,767 | 23,149 | 26,562
Charge-offs | (12,042) | (10,214) | (8,809)
Recoveries | 2,247 | 2,426 | 2,075
Net (charge-offs) recoveries | (9,795) | (7,788) | (6,734)
Provision (benefit) | 10,359 | 7,355 | 3,321
Balance at end of period | 23,331 | 22,767 | 23,149
Consumer | Initial Non PCD Allowance |  |  |
Allowance for credit losses |  |  |
Balance at beginning of period | 51 |  |
Balance at end of period |  | 51 |
Multifamily |  |  |
Allowance for credit losses |  |  |
Balance at beginning of period | 3,684 | 4,921 | 7,887
Recoveries | 41 |  | 3
Net (charge-offs) recoveries | 41 |  | 3
Provision (benefit) | 10,041 | (1,663) | (2,969)
Balance at end of period | 13,766 | 3,684 | 4,921
Multifamily | Initial Non PCD Allowance |  |  |
Allowance for credit losses |  |  |
Balance at beginning of period | 426 |  |
Balance at end of period |  | 426 |
Municipal |  |  |
Allowance for credit losses |  |  |
Balance at beginning of period | 849 | 565 | 1,510
Provision (benefit) | 51 | 284 | (945)
Balance at end of period | 900 | 849 | 565
CRE Owner Occupied |  |  |
Allowance for credit losses |  |  |
Balance at beginning of period | 58,083 | 61,794 | 97,104
Charge-offs | (126) | (1,976) | (2,052)
Recoveries | 938 | 1,327 | 970
Net (charge-offs) recoveries | 812 | (649) | (1,082)
Provision (benefit) | 12,685 | (7,990) | (34,228)
Balance at end of period | 71,580 | 58,083 | 61,794
CRE Owner Occupied | Initial PCD Allowance |  |  |
Allowance for credit losses |  |  |
Balance at beginning of period | 2,409 |  |
Balance at end of period |  | 2,409 |
CRE Owner Occupied | Initial Non PCD Allowance |  |  |
Allowance for credit losses |  |  |
Balance at beginning of period | 2,519 |  |
Balance at end of period |  | 2,519 |
Non Owner Occupied CRE |  |  |
Allowance for credit losses |  |  |
Balance at beginning of period | 78,485 | 79,649 | 124,421
Charge-offs | (304) | (368) | (863)
Recoveries | 962 | 581 | 1,070
Net (charge-offs) recoveries | 658 | 213 | 207
Provision (benefit) | 57,912 | (4,074) | (44,979)
Balance at end of period | 137,055 | 78,485 | 79,649
Non Owner Occupied CRE | Initial Non PCD Allowance |  |  |
Allowance for credit losses |  |  |
Balance at beginning of period | 2,697 |  |
Balance at end of period |  | 2,697 |
C & I |  |  |
Allowance for credit losses |  |  |
Balance at beginning of period | 50,713 | 28,167 | 46,217
Charge-offs | (27,587) | (10,202) | (3,853)
Recoveries | 8,499 | 8,282 | 3,812
Net (charge-offs) recoveries | (19,088) | (1,920) | (41)
Provision (benefit) | 17,781 | 8,409 | (18,009)
Balance at end of period | 49,406 | 50,713 | $ 28,167
C & I | Initial PCD Allowance |  |  |
Allowance for credit losses |  |  |
Balance at beginning of period | 10,452 |  |
Balance at end of period |  | 10,452 |
C & I | Initial Non PCD Allowance |  |  |
Allowance for credit losses |  |  |
Balance at beginning of period | $ 5,605 |  |
Balance at end of period |  | $ 5,605 |

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- Definition Amount excluding accrued interest, of allowance for credit loss on financing receivable. Excludes net investment in lease. + References Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef -Topic 326 -SubTopic 20 -Name Accounting Standards Codification -Section 45 -Paragraph 1 -Publisher FASB -URI https://asc.fasb.org//1943274/2147479344/326-20-45-1 + Details
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- Definition Amount, excluding accrued interest, of increase in allowance for credit loss on financing receivable from recovery. Excludes net investment in lease. + References Reference 1: http://www.xbrl.org/2003/role/disclosureRef -Topic 326 -SubTopic 20 -Name Accounting Standards Codification -Section 50 -Paragraph 13 -Subparagraph (e) -Publisher FASB -URI https://asc.fasb.org//1943274/2147479319/326-20-50-13 + Details
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- Definition Amount, excluding accrued interest, of decrease in allowance for credit loss on financing receivable from writeoff. Excludes net investment in lease. + References Reference 1: http://www.xbrl.org/2003/role/disclosureRef -Topic 326 -SubTopic 20 -Name Accounting Standards Codification -Section 50 -Paragraph 6 -Publisher FASB -URI https://asc.fasb.org//1943274/2147479319/326-20-50-6 Reference 2: http://www.xbrl.org/2003/role/disclosureRef -Topic 326 -SubTopic 20 -Name Accounting Standards Codification -Section 50 -Paragraph 13 -Subparagraph (d) -Publisher FASB -URI https://asc.fasb.org//1943274/2147479319/326-20-50-13 + Details
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