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Allowance for Credit Losses (ACL) - Disaggregated analysis of the changes in allowance for credit losses (Details) - USD ($) $ in Thousands | 3 Months Ended | 9 Months Ended | 12 Months Ended
--- | --- | --- | ---
Sep. 30, 2024 | Sep. 30, 2023 | Sep. 30, 2024 | Sep. 30, 2023 | Dec. 31, 2023
Allowance for credit losses |  |  |  |  |
Balance at beginning of period | $ 472,298 | $ 427,392 | $ 456,573 | $ 356,444 | $ 356,444
Charge-offs | (8,603) | (17,970) | (25,133) | (30,175) | (40,648)
Recoveries | 2,523 | 4,773 | 12,149 | 12,630 |
Net (charge-offs) recoveries | (6,080) | (13,197) | (12,984) | (17,545) |
Provision (recovery) | 1,763 | 33,761 | 24,392 | 109,057 |
Balance at end of period | 467,981 | 447,956 | 467,981 | 447,956 | 456,573
Unfunded Commitment |  |  |  |  |
Allowance for credit losses |  |  |  |  |
Provision (recovery) | (8,700) | (1,100) | (14,800) | (4,900) |
Residential Mortgage Sr. |  |  |  |  |
Allowance for credit losses |  |  |  |  |
Balance at beginning of period | 59,552 | 81,469 | 78,052 | 72,188 | 72,188
Charge-offs | (169) | (57) | (548) | (96) |
Recoveries | 37 | 240 | 252 | 836 |
Net (charge-offs) recoveries | (132) | 183 | (296) | 740 |
Provision (recovery) | (6,725) | (4,601) | (25,061) | 4,123 |
Balance at end of period | 52,695 | 77,051 | 52,695 | 77,051 | 78,052
Residential Mortgage Jr. |  |  |  |  |
Allowance for credit losses |  |  |  |  |
Balance at beginning of period | 428 | 392 | 745 | 405 | 405
Recoveries | 8 | 28 | 97 | 36 |
Net (charge-offs) recoveries | 8 | 28 | 97 | 36 |
Provision (recovery) | 65 | 74 | (341) | 53 |
Balance at end of period | 501 | 494 | 501 | 494 | 745
HELOC |  |  |  |  |
Allowance for credit losses |  |  |  |  |
Balance at beginning of period | 18,929 | 14,212 | 10,942 | 14,886 | 14,886
Charge-offs |  | (88) | (110) | (127) |
Recoveries | 175 | 226 | 744 | 1,003 |
Net (charge-offs) recoveries | 175 | 138 | 634 | 876 |
Provision (recovery) | (272) | (1,036) | 7,256 | (2,448) |
Balance at end of period | 18,832 | 13,314 | 18,832 | 13,314 | 10,942
Residential Construction |  |  |  |  |
Allowance for credit losses |  |  |  |  |
Balance at beginning of period | 10,025 | 8,869 | 5,024 | 8,974 | 8,974
Charge-offs |  |  | (304) |  |
Recoveries | 9 | 3 | 31 | 97 |
Net (charge-offs) recoveries | 9 | 3 | (273) | 97 |
Provision (recovery) | (2,552) | (1,643) | 2,731 | (1,842) |
Balance at end of period | 7,482 | 7,229 | 7,482 | 7,229 | 5,024
Commercial Construction and Development |  |  |  |  |
Allowance for credit losses |  |  |  |  |
Balance at beginning of period | 77,219 | 55,314 | 65,772 | 45,410 | 45,410
Charge-offs |  | (8) | (2,162) | (10) |
Recoveries | 57 | 67 | 1,208 | 523 |
Net (charge-offs) recoveries | 57 | 59 | (954) | 513 |
Provision (recovery) | (8,611) | 9,099 | 3,847 | 18,549 |
Balance at end of period | 68,665 | 64,472 | 68,665 | 64,472 | 65,772
Consumer |  |  |  |  |
Allowance for credit losses |  |  |  |  |
Balance at beginning of period | 12,228 | 24,577 | 23,331 | 22,767 | 22,767
Charge-offs | (2,248) | (3,129) | (6,943) | (8,875) |
Recoveries | 517 | 651 | 2,467 | 1,755 |
Net (charge-offs) recoveries | (1,731) | (2,478) | (4,476) | (7,120) |
Provision (recovery) | 8,902 | 656 | 544 | 7,108 |
Balance at end of period | 19,399 | 22,755 | 19,399 | 22,755 | 23,331
Multifamily |  |  |  |  |
Allowance for credit losses |  |  |  |  |
Balance at beginning of period | 19,761 | 9,767 | 13,766 | 3,684 | 3,684
Recoveries |  |  | 66 |  |
Net (charge-offs) recoveries |  |  | 66 |  |
Provision (recovery) | (2,637) | 2,825 | 3,292 | 8,908 |
Balance at end of period | 17,124 | 12,592 | 17,124 | 12,592 | 13,766
Municipal |  |  |  |  |
Allowance for credit losses |  |  |  |  |
Balance at beginning of period | 1,779 | 745 | 900 | 849 | 849
Provision (recovery) | 240 | 56 | 1,119 | (48) |
Balance at end of period | 2,019 | 801 | 2,019 | 801 | 900
CRE Owner Occupied |  |  |  |  |
Allowance for credit losses |  |  |  |  |
Balance at beginning of period | 91,423 | 70,759 | 71,580 | 58,083 | 58,083
Charge-offs | (558) | (91) | (951) | (126) |
Recoveries | 26 | 415 | 537 | 801 |
Net (charge-offs) recoveries | (532) | 324 | (414) | 675 |
Provision (recovery) | (6,670) | 1,932 | 13,055 | 14,257 |
Balance at end of period | 84,221 | 73,015 | 84,221 | 73,015 | 71,580
Non Owner Occupied CRE |  |  |  |  |
Allowance for credit losses |  |  |  |  |
Balance at beginning of period | 99,015 | 115,269 | 137,055 | 78,485 | 78,485
Charge-offs | (29) |  | (276) | (51) |
Recoveries | 247 | 511 | 346 | 951 |
Net (charge-offs) recoveries | 218 | 511 | 70 | 900 |
Provision (recovery) | 23,134 | 8,749 | (14,758) | 45,144 |
Balance at end of period | 122,367 | 124,529 | 122,367 | 124,529 | 137,055
C & I |  |  |  |  |
Allowance for credit losses |  |  |  |  |
Balance at beginning of period | 81,939 | 46,019 | 49,406 | 50,713 | 50,713
Charge-offs | (5,599) | (14,597) | (13,839) | (20,890) |
Recoveries | 1,447 | 2,632 | 6,401 | 6,628 |
Net (charge-offs) recoveries | (4,152) | (11,965) | (7,438) | (14,262) |
Provision (recovery) | (3,111) | 17,650 | 32,708 | 15,253 |
Balance at end of period | $ 74,676 | $ 51,704 | $ 74,676 | $ 51,704 | $ 49,406

X
- 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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