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Loans and Allowance for Credit Losses (Tables)

9 Months Ended

Sep. 30, 2021

Receivables [Abstract]

Summary of Loan Classes and Aging of Past Due Loans

This table provides a summary of loan classes and an aging of past due loans at September 30, 2021 and December 31, 2020 (in thousands):

		September 30, 2021
		30-89 Days Past Due and Accruing				Greater than 90 Days Past Due and Accruing				Nonaccrual Loans				Total Past Due				Current				Total Loans
Loans
Commercial and industrial		$	10,174			$	1,281			$	83,445			$	94,900			$	6,761,343			$	6,856,243
Specialty lending			—				—				1,211				1,211				507,220				508,431
Commercial real estate			1,036				—				6,687				7,723				6,147,785				6,155,508
Consumer real estate			1,028				77				4,631				5,736				2,239,963				2,245,699
Consumer			2,729				42				62				2,833				112,672				115,505
Credit cards			1,591				919				500				3,010				390,083				393,093
Leases and other			—				—				—				—				194,984				194,984
Total loans		$	16,558			$	2,319			$	96,536			$	115,413			$	16,354,050			$	16,469,463

		December 31, 2020
		30-89 Days Past Due and Accruing				Greater than 90 Days Past Due and Accruing				Nonaccrual Loans				Total Past Due				Current				Total Loans
Loans
Commercial and industrial		$	4,652			$	319			$	33,769			$	38,740			$	7,023,334			$	7,062,074
Specialty lending			—				—				19,437				19,437				491,863				511,300
Commercial real estate			2,351				225				28,386				30,962				5,877,972				5,908,934
Consumer real estate			524				—				5,345				5,869				1,939,625				1,945,494
Consumer			281				120				88				489				117,497				117,986
Credit cards			2,061				1,288				798				4,147				362,821				366,968
Leases and other			—				—				—				—				190,895				190,895
Total loans		$	9,869			$	1,952			$	87,823			$	99,644			$	16,004,007			$	16,103,651

Summary of Amortized Cost of Nonaccrual Loans with No Related Allowance

The following tables provide the amortized cost of nonaccrual loans with no related allowance for credit losses by loan class at September 30, 2021 and December 31, 2020 (in thousands):

		September 30, 2021
		Nonaccrual Loans				Amortized Cost of Nonaccrual Loans with no related Allowance
Loans
Commercial and industrial		$	83,445			$	79,971
Specialty lending			1,211				—
Commercial real estate			6,687				6,687
Consumer real estate			4,631				4,631
Consumer			62				62
Credit cards			500				500
Total loans		$	96,536			$	91,851

		December 31, 2020
		Nonaccrual Loans				Amortized Cost of Nonaccrual Loans with no related Allowance
Loans
Commercial and industrial		$	33,769			$	9,916
Specialty lending			19,437				242
Commercial real estate			28,386				25,733
Consumer real estate			5,345				5,345
Consumer			88				88
Credit cards			798				798
Total loans		$	87,823			$	42,122

Summary of Amortized Cost Balance of Each of Loan Classes Disaggregated by Collateral Type and Origination Year

The following tables provide a summary of the amortized cost balance of each of the Company’s loan classes disaggregated by collateral type and origination year as of September 30, 2021 and December 31, 2020 (in thousands):

		September 30, 2021
																										Amortized Cost - Revolving Loans				Amortized Cost - Revolving Loans Converted to Term Loans
Loan Segment and Type		Amortized Cost Basis by Origination Year - Term Loans
		2021				2020				2019				2018				2017				Prior												Total
Commercial and industrial:
Equipment/Accounts Receivable/Inventory		$	2,057,294			$	1,109,567			$	400,896			$	171,666			$	140,122			$	153,229					$	2,676,909					$	406			$	6,710,089
Agriculture			7,198				6,478				3,755				731				657				1,210						121,099						10				141,138
Overdrafts			—				—				—				—				—				—						5,016						—				5,016
Total Commercial and industrial			2,064,492				1,116,045				404,651				172,397				140,779				154,439				2,803,024				416				6,856,243
Specialty lending:
Asset-based lending			10,245				52,950				—				—				—				—				330,541				—				393,736
Factoring			—				—				—				—				—				—				114,695				—				114,695
Total Specialty lending			10,245				52,950				—				—				—				—				445,236				—				508,431
Commercial real estate:
Owner-occupied			498,622				542,847				269,721				216,268				101,140				190,136				10,983				638				1,830,355
Non-owner-occupied			703,825				732,878				701,884				183,984				110,260				321,302				7,769				—				2,761,902
Farmland			58,698				279,047				36,083				17,411				22,356				36,841				33,345				—				483,781
5+ Multi-family			30,346				97,479				47,900				29,164				1,894				36,866				1,408				—				245,057
1-4 Family construction			36,871				10,054				16,215				—				—				—				470				—				63,610
General construction			267,695				268,200				93,248				68,419				30,169				303				35,670				7,099				770,803
Total Commercial real estate			1,596,057				1,930,505				1,165,051				515,246				265,819				585,448				89,645				7,737				6,155,508
Consumer real estate:
HELOC			439				501				339				592				722				7,105				327,965				6,185				343,848
First lien: 1-4 family			649,364				775,112				220,794				64,550				62,212				109,611				61				—				1,881,704
Junior lien: 1-4 family			5,902				6,619				4,017				1,338				851				1,405				15				—				20,147
Total Consumer real estate			655,705				782,232				225,150				66,480				63,785				118,121				328,041				6,185				2,245,699
Consumer:
Revolving line			735				—				—				—				—				—				66,695				3,323				70,753
Auto			8,978				9,244				6,391				1,530				693				314				—				—				27,150
Other			3,819				1,959				2,126				1,624				2,404				812				4,858				—				17,602
Total Consumer			13,532				11,203				8,517				3,154				3,097				1,126				71,553				3,323				115,505
Credit cards:
Consumer			—				—				—				—				—				—				173,911				—				173,911
Commercial			—				—				—				—				—				—				219,182				—				219,182
Total Credit cards			—				—				—				—				—				—				393,093				—				393,093
Leases and other:
Leases			—				—				813				—				739				643				—				—				2,195
Other			21,345				47,203				55,555				22,868				5,872				918				39,028				—				192,789
Total Leases and other			21,345				47,203				56,368				22,868				6,611				1,561				39,028				—				194,984
Total loans		$	4,361,376			$	3,940,138			$	1,859,737			$	780,145			$	480,091			$	860,695			$	4,169,620			$	17,661			$	16,469,463

		December 31, 2020
																										Amortized Cost - Revolving Loans				Amortized Cost - Revolving Loans Converted to Term Loans
Loan Segment and Type		Amortized Cost Basis by Origination Year - Term Loans
		2020				2019				2018				2017				2016				Prior												Total
Commercial and industrial:
Equipment/Accounts Receivable/Inventory		$	3,185,589			$	684,488			$	471,950			$	185,167			$	178,576			$	69,599					$	2,108,799					$	—			$	6,884,168
Agriculture			8,886				6,495				1,976				3,651				2,164				416						137,955						38				161,581
Overdrafts			—				—				—				—				—				—						16,325						—				16,325
Total Commercial and industrial			3,194,475				690,983				473,926				188,818				180,740				70,015				2,263,079				38				7,062,074
Specialty lending:
Asset-based lending			64,258				—				—				—				—				—				291,091				—				355,349
Factoring			—				—				—				—				—				—				155,951				—				155,951
Total Specialty lending			64,258				—				—				—				—				—				447,042				—				511,300
Commercial real estate:
Owner-occupied			579,212				334,098				233,192				170,913				120,603				176,377				18,880				51,910				1,685,185
Non-owner-occupied			846,030				630,457				230,549				169,193				333,215				115,753				49,384				97,954				2,472,535
Farmland			297,788				37,288				31,454				37,485				28,925				29,480				40,043				—				502,463
5+ Multi-family			190,922				80,293				2,835				32,498				39,802				6,298				2,418				94,789				449,855
1-4 Family construction			144				—				—				—				—				—				30,131				—				30,275
General construction			20,452				3,082				1,215				514				358				2,738				733,952				6,310				768,621
Total Commercial real estate			1,934,548				1,085,218				499,245				410,603				522,903				330,646				874,808				250,963				5,908,934
Consumer real estate:
HELOC			82,410				11,236				4,263				241				63				2,561				294,390				5				395,169
First lien: 1-4 family			896,676				304,017				83,429				87,927				78,458				75,408				2,579				—				1,528,494
Junior lien: 1-4 family			9,142				6,383				2,360				1,247				948				1,470				281				—				21,831
Total Consumer real estate			988,228				321,636				90,052				89,415				79,469				79,439				297,250				5				1,945,494
Consumer:
Revolving line			—				—				—				—				—				—				65,215				—				65,215
Auto			12,470				9,846				2,960				1,645				680				348				—				—				27,949
Other			5,017				3,200				2,131				216				1,005				172				13,081				—				24,822
Total Consumer			17,487				13,046				5,091				1,861				1,685				520				78,296				—				117,986
Credit cards:
Consumer			—				—				—				—				—				—				188,681				—				188,681
Commercial			—				—				—				—				—				—				178,287				—				178,287
Total Credit cards			—				—				—				—				—				—				366,968				—				366,968
Leases and other:
Leases			—				915				—				787				—				711				—				—				2,413
Other			33,626				10,758				7,659				2,611				1,323				646				131,859				—				188,482
Total Leases and other			33,626				11,673				7,659				3,398				1,323				1,357				131,859				—				190,895
Total loans		$	6,232,622			$	2,122,556			$	1,075,973			$	694,095			$	786,120			$	481,977			$	4,459,302			$	251,006			$	16,103,651

Summary of Amortized Cost Balance by Collateral Type and Risk Rating

The following tables provide a summary of the amortized cost balance by collateral type and risk rating as of September 30, 2021 and December 31, 2020 (in thousands):

		September 30, 2021
																										Amortized Cost - Revolving Loans				Amortized Cost - Revolving Loans Converted to Term Loans
Risk by Collateral		Amortized Cost Basis by Origination Year - Term Loans
		2021				2020				2019				2018				2017				Prior												Total
Equipment/Accounts Receivable/Inventory
Non-watch list – Pass		$	1,951,722			$	1,019,686			$	363,729			$	156,312			$	124,445			$	152,159					$	2,438,881					$	406			$	6,207,340
Watch – Pass			65,785				42,201				34,299				10,236				7,723				874						96,320						—				257,438
Special Mention			8,379				3,603				—				625				1,816				9						44,986						—				59,418
Substandard			31,408				11,702				2,868				1,019				1,281				187				63,073				—				111,538
Doubtful			—				32,375				—				3,474				4,857				—				33,649				—				74,355
Total Equipment/Accounts Receivable/Inventory		$	2,057,294			$	1,109,567			$	400,896			$	171,666			$	140,122			$	153,229			$	2,676,909			$	406			$	6,710,089
Agriculture
Non-watch list – Pass		$	6,633			$	5,708			$	2,968			$	303			$	646			$	1,188			$	90,056			$	10			$	107,512
Watch – Pass			500				300				348				428				11				22				7,182				—				8,791
Special Mention			—				—				439				—				—				—				1,375				—				1,814
Substandard			65				470				—				—				—				—				22,486				—				23,021
Doubtful			—				—				—				—				—				—				—				—				—
Total Agriculture		$	7,198			$	6,478			$	3,755			$	731			$	657			$	1,210			$	121,099			$	10			$	141,138

		December 31, 2020
																										Amortized Cost - Revolving Loans				Amortized Cost - Revolving Loans Converted to Term Loans
Risk by Collateral		Amortized Cost Basis by Origination Year - Term Loans
		2020				2019				2018				2017				2016				Prior												Total
Equipment/Accounts Receivable/Inventory
Non-watch list – Pass		$	2,975,305			$	664,016			$	439,460			$	171,409			$	165,321			$	67,442					$	1,948,261					$	—			$	6,431,214
Watch – Pass			89,746				10,400				9,309				5,126				11,044				1,592						70,768						—				197,985
Special Mention			53,334				9,788				15,524				1,898				2,158				—						8,485						—				91,187
Substandard			67,118				231				7,657				1,369				53				565				81,246				—				158,239
Doubtful			86				53				—				5,365				—				—				39				—				5,543
Total Equipment/Accounts Receivable/Inventory		$	3,185,589			$	684,488			$	471,950			$	185,167			$	178,576			$	69,599			$	2,108,799			$	—			$	6,884,168
Agriculture
Non-watch list – Pass		$	7,880			$	3,924			$	1,389			$	1,379			$	1,759			$	404			$	92,917			$	38			$	109,690
Watch – Pass			179				2,571				188				102				345				—				17,956				—				21,341
Special Mention			303				—				399				22				—				12				6,674				—				7,410
Substandard			524				—				—				2,148				60				—				20,408				—				23,140
Doubtful			—				—				—				—				—				—				—				—				—
Total Agriculture		$	8,886			$	6,495			$	1,976			$	3,651			$	2,164			$	416			$	137,955			$	38			$	161,581

The following tables provide a summary of the amortized cost balance by collateral type and risk rating as of September 30, 2021 and December 31, 2020 (in thousands):

		September 30, 2021
																										Amortized Cost - Revolving Loans				Amortized Cost - Revolving Loans Converted to Term Loans
Risk by Collateral		Amortized Cost Basis by Origination Year - Term Loans
		2021				2020				2019				2018				2017				Prior												Total
Owner-occupied
Non-watch list – Pass		$	498,332			$	530,483			$	251,374			$	212,965			$	97,369			$	182,869					$	10,883					$	638			$	1,784,913
Watch – Pass			—				10,996				17,212				1,062				1,157				3,745						—						—				34,172
Special Mention			98				1,334				—				—				—				991						—						—				2,423
Substandard			192				34				1,135				2,241				2,614				2,531				100				—				8,847
Doubtful			—				—				—				—				—				—				—				—				—
Total Owner-occupied		$	498,622			$	542,847			$	269,721			$	216,268			$	101,140			$	190,136			$	10,983			$	638			$	1,830,355
Non-owner-occupied
Non-watch list – Pass		$	657,172			$	722,918			$	607,828			$	172,723			$	104,929			$	282,344			$	7,769			$	—			$	2,555,683
Watch – Pass			46,653				1,294				42,625				11,261				5,331				2,623				—				—				109,787
Special Mention			—				8,666				24,921				—				—				36,300				—				—				69,887
Substandard			—				—				26,510				—				—				35				—				—				26,545
Doubtful			—				—				—				—				—				—				—				—				—
Total Non-owner-occupied		$	703,825			$	732,878			$	701,884			$	183,984			$	110,260			$	321,302			$	7,769			$	—			$	2,761,902
Farmland
Non-watch list – Pass		$	37,740			$	237,500			$	28,028			$	2,229			$	21,456			$	14,822			$	22,091			$	—			$	363,866
Watch – Pass			6,130				24,411				6,802				15,167				218				20,382				8,999				—				82,109
Special Mention			195				356				297				—				682				687				257				—				2,474
Substandard			14,633				16,780				956				15				—				950				1,998				—				35,332
Doubtful			—				—				—				—				—				—				—				—				—
Total Farmland		$	58,698			$	279,047			$	36,083			$	17,411			$	22,356			$	36,841			$	33,345			$	—			$	483,781
5+ Multi-family
Non-watch list – Pass		$	30,346			$	97,479			$	47,900			$	29,164			$	1,894			$	36,866			$	1,408			$	—			$	245,057
Watch – Pass			—				—				—				—				—				—				—				—				—
Special Mention			—				—				—				—				—				—				—				—				—
Substandard			—				—				—				—				—				—				—				—				—
Doubtful			—				—				—				—				—				—				—				—				—
Total 5+ Multi-family		$	30,346			$	97,479			$	47,900			$	29,164			$	1,894			$	36,866			$	1,408			$	—			$	245,057
1-4 Family construction
Non-watch list – Pass		$	36,871			$	10,054			$	16,215			$	—			$	—			$	—			$	470			$	—			$	63,610
Watch – Pass			—				—				—				—				—				—				—				—				—
Special Mention			—				—				—				—				—				—				—				—				—
Substandard			—				—				—				—				—				—				—				—				—
Doubtful			—				—				—				—				—				—				—				—				—
Total 1-4 Family construction		$	36,871			$	10,054			$	16,215			$	—			$	—			$	—			$	470			$	—			$	63,610
General construction
Non-watch list – Pass		$	267,695			$	268,200			$	91,549			$	68,419			$	30,169			$	303			$	35,670			$	7,099			$	769,104
Watch – Pass			—				—				—				—				—				—				—				—				—
Special Mention			—				—				—				—				—				—				—				—				—
Substandard			—				—				1,614				—				—				—				—				—				1,614
Doubtful			—				—				85				—				—				—				—				—				85
Total General construction		$	267,695			$	268,200			$	93,248			$	68,419			$	30,169			$	303			$	35,670			$	7,099			$	770,803

		December 31, 2020
																										Amortized Cost - Revolving Loans				Amortized Cost - Revolving Loans Converted to Term Loans
Risk by Collateral		Amortized Cost Basis by Origination Year - Term Loans
		2020				2019				2018				2017				2016				Prior												Total
Owner-occupied
Non-watch list – Pass		$	568,636			$	327,579			$	227,581			$	141,758			$	118,593			$	163,292					$	15,052					$	51,910			$	1,614,401
Watch – Pass			1,712				6,413				4,761				1,194				—				8,581						—						—				22,661
Special Mention			1,424				—				—				—				1,588				—						—						—				3,012
Substandard			7,440				106				850				27,961				422				4,504				3,828				—				45,111
Doubtful			—				—				—				—				—				—				—				—				—
Total Owner-occupied		$	579,212			$	334,098			$	233,192			$	170,913			$	120,603			$	176,377			$	18,880			$	51,910			$	1,685,185
Non-owner-occupied
Non-watch list – Pass		$	802,078			$	525,246			$	205,484			$	156,290			$	294,979			$	101,616			$	49,384			$	81,499			$	2,216,576
Watch – Pass			43,769				45,748				25,065				12,903				1,936				7,701				—				16,455				153,577
Special Mention			183				32,953				—				—				36,300				5,100				—				—				74,536
Substandard			—				26,510				—				—				—				1,336				—				—				27,846
Doubtful			—				—				—				—				—				—				—				—				—
Total Non-owner-occupied		$	846,030			$	630,457			$	230,549			$	169,193			$	333,215			$	115,753			$	49,384			$	97,954			$	2,472,535
Farmland
Non-watch list – Pass		$	237,124			$	27,815			$	15,907			$	26,071			$	13,376			$	8,924			$	19,074			$	—			$	348,291
Watch – Pass			20,992				9,221				13,404				5,133				6,301				19,835				17,699				—				92,585
Special Mention			—				—				630				1,854				4,901				40				861				—				8,286
Substandard			39,672				252				1,513				4,427				4,347				681				2,409				—				53,301
Doubtful			—				—				—				—				—				—				—				—				—
Total Farmland		$	297,788			$	37,288			$	31,454			$	37,485			$	28,925			$	29,480			$	40,043			$	—			$	502,463
5+ Multi-family
Non-watch list – Pass		$	190,922			$	77,846			$	2,835			$	31,173			$	39,802			$	6,298			$	2,418			$	94,789			$	446,083
Watch – Pass			—				—				—				1,325				—				—				—				—				1,325
Special Mention			—				2,447				—				—				—				—				—				—				2,447
Substandard			—				—				—				—				—				—				—				—				—
Doubtful			—				—				—				—				—				—				—				—				—
Total 5+ Multi-family		$	190,922			$	80,293			$	2,835			$	32,498			$	39,802			$	6,298			$	2,418			$	94,789			$	449,855
1-4 Family construction
Non-watch list – Pass		$	144			$	—			$	—			$	—			$	—			$	—			$	30,131			$	—			$	30,275
Watch – Pass			—				—				—				—				—				—				—				—				—
Special Mention			—				—				—				—				—				—				—				—				—
Substandard			—				—				—				—				—				—				—				—				—
Doubtful			—				—				—				—				—				—				—				—				—
Total 1-4 Family construction		$	144			$	—			$	—			$	—			$	—			$	—			$	30,131			$	—			$	30,275
General construction
Non-watch list – Pass		$	20,452			$	2,996			$	1,215			$	514			$	358			$	2,738			$	730,616			$	6,310			$	765,199
Watch – Pass			—				—				—				—				—				—				—				—				—
Special Mention			—				—				—				—				—				—				—				—				—
Substandard			—				—				—				—				—				—				3,336				—				3,336
Doubtful			—				86				—				—				—				—				—				—				86
Total General construction		$	20,452			$	3,082			$	1,215			$	514			$	358			$	2,738			$	733,952			$	6,310			$	768,621

The following tables provide a summary of the amortized cost balance by collateral type and risk rating as of September 30, 2021 and December 31, 2020 (in thousands):

		September 30, 2021
																										Amortized Cost - Revolving Loans				Amortized Cost - Revolving Loans Converted to Term Loans
Risk by Collateral		Amortized Cost Basis by Origination Year - Term Loans
		2021				2020				2019				2018				2017				Prior												Total
HELOC
Performing		$	439			$	485			$	199			$	167			$	454			$	5,407					$	327,863					$	6,124			$	341,138
Non-performing			—				16				140				425				268				1,698						102						61				2,710
Total HELOC		$	439			$	501			$	339			$	592			$	722			$	7,105					$	327,965					$	6,185			$	343,848
First lien: 1-4 family
Performing		$	649,364			$	775,040			$	220,539			$	64,398			$	61,898			$	108,563			$	61			$	—			$	1,879,863
Non-performing			—				72				255				152				314				1,048				—				—				1,841
Total First lien: 1-4 family		$	649,364			$	775,112			$	220,794			$	64,550			$	62,212			$	109,611			$	61			$	—			$	1,881,704
Junior lien: 1-4 family
Performing		$	5,902			$	6,619			$	4,017			$	1,329			$	831			$	1,355			$	15			$	—			$	20,068
Non-performing			—				—				—				9				20				50				—				—				79
Total Junior lien: 1-4 family		$	5,902			$	6,619			$	4,017			$	1,338			$	851			$	1,405			$	15			$	—			$	20,147

		December 31, 2020
																										Amortized Cost - Revolving Loans				Amortized Cost - Revolving Loans Converted to Term Loans
Risk by Collateral		Amortized Cost Basis by Origination Year - Term Loans
		2020				2019				2018				2017				2016				Prior												Total
HELOC
Performing		$	82,410			$	11,209			$	4,213			$	241			$	63			$	2,518					$	291,340					$	5			$	391,999
Non-performing			—				27				50				—				—				43						3,050						—				3,170
Total HELOC		$	82,410			$	11,236			$	4,263			$	241			$	63			$	2,561					$	294,390					$	5			$	395,169
First lien: 1-4 family
Performing		$	896,676			$	303,810			$	83,429			$	87,637			$	77,466			$	74,849			$	2,579			$	—			$	1,526,446
Non-performing			—				207				—				290				992				559				—				—				2,048
Total First lien: 1-4 family		$	896,676			$	304,017			$	83,429			$	87,927			$	78,458			$	75,408			$	2,579			$	—			$	1,528,494
Junior lien: 1-4 family
Performing		$	9,142			$	6,374			$	2,317			$	1,225			$	908			$	1,456			$	281			$	—			$	21,703
Non-performing			—				9				43				22				40				14				—				—				128
Total Junior lien: 1-4 family		$	9,142			$	6,383			$	2,360			$	1,247			$	948			$	1,470			$	281			$	—			$	21,831

The following tables provide a summary of the amortized cost balance by collateral type and risk rating as of September 30, 2021 and December 31, 2020 (in thousands):

		September 30, 2021
																										Amortized Cost - Revolving Loans				Amortized Cost - Revolving Loans Converted to Term Loans
Risk by Collateral		Amortized Cost Basis by Origination Year - Term Loans
		2021				2020				2019				2018				2017				Prior												Total
Revolving line
Performing		$	735			$	—			$	—			$	—			$	—			$	—					$	66,695					$	3,323			$	70,753
Non-performing			—				—				—				—				—				—						—						—				—
Total Revolving line		$	735			$	—			$	—			$	—			$	—			$	—					$	66,695					$	3,323			$	70,753
Auto
Performing		$	8,978			$	9,244			$	6,350			$	1,530			$	693			$	314			$	—			$	—			$	27,109
Non-performing			—				—				41				—				—				—				—				—				41
Total Auto		$	8,978			$	9,244			$	6,391			$	1,530			$	693			$	314			$	—			$	—			$	27,150
Other
Performing		$	3,819			$	1,943			$	2,126			$	1,624			$	2,404			$	808			$	4,858			$	—			$	17,582
Non-performing			—				16				—				—				—				4				—				—				20
Total Other		$	3,819			$	1,959			$	2,126			$	1,624			$	2,404			$	812			$	4,858			$	—			$	17,602

		December 31, 2020
																										Amortized Cost - Revolving Loans				Amortized Cost - Revolving Loans Converted to Term Loans
Risk by Collateral		Amortized Cost Basis by Origination Year - Term Loans
		2020				2019				2018				2017				2016				Prior												Total
Revolving line
Performing		$	—			$	—			$	—			$	—			$	—			$	—					$	65,215					$	—			$	65,215
Non-performing			—				—				—				—				—				—						—						—				—
Total Revolving line		$	—			$	—			$	—			$	—			$	—			$	—					$	65,215					$	—			$	65,215
Auto
Performing		$	12,465			$	9,784			$	2,960			$	1,645			$	680			$	347			$	—			$	—			$	27,881
Non-performing			5				62				—				—				—				1				—				—				68
Total Auto		$	12,470			$	9,846			$	2,960			$	1,645			$	680			$	348			$	—			$	—			$	27,949
Other
Performing		$	5,000			$	3,200			$	2,131			$	214			$	1,005			$	172			$	13,081			$	—			$	24,803
Non-performing			17				—				—				2				—				—				—				—				19
Total Other		$	5,017			$	3,200			$	2,131			$	216			$	1,005			$	172			$	13,081			$	—			$	24,822

The following table provides a summary of the amortized cost balance of consumer credit cards by risk rating as of September 30, 2021 and December 31, 2020 (in thousands):

		Consumer
Risk		September 30, 2021				December 31, 2020
Transactor accounts		$	51,855			$	51,017
Revolver accounts (by FICO score):
Less than 600			5,505				7,230
600-619			1,866				2,950
620-639			3,790				5,493
640-659			7,738				9,497
660-679			9,515				15,541
680-699			11,405				19,345
700-719			14,165				18,048
720-739			14,368				16,288
740-759			13,552				13,944
760-779			13,163				9,493
780-799			12,533				7,088
800-819			9,016				5,513
820-839			4,391				4,570
840+			1,049				2,664
Total		$	173,911			$	188,681

The following table provides a summary of the amortized cost balance of commercial credit cards by risk rating as of September 30, 2021 and December 31, 2020 (in thousands):

		Consumer
Risk		September 30, 2021				December 31, 2020
Current		$	208,353			$	170,412
Past Due			10,829				7,875
Total		$	219,182			$	178,287

The following table provides a summary of the amortized cost balance by collateral type and risk rating as of September 30, 2021 and December 31, 2020 (in thousands):

		Leases								Other
Risk		September 30, 2021				December 31, 2020				September 30, 2021				December 31, 2020
Non-watch list – Pass		$	2,195			$	2,413			$	192,105			$	187,924
Watch – Pass			—				—				684				350
Special Mention			—				—				—				—
Substandard			—				—				—				208
Doubtful			—				—				—				—
Total		$	2,195			$	2,413			$	192,789			$	188,482

Rollforward of Allowance for Credit/Loan Losses by Portfolio Segment

This table provides a rollforward of the allowance for credit losses by portfolio segment for the three and nine months ended September 30, 2021 and September 30, 2020 (in thousands):

		Three Months Ended September 30, 2021
		Commercial and industrial				Specialty lending				Commercial real estate				Consumer real estate				Consumer				Credit cards				Leases and other				Total - Loans				HTM				Total
Allowance for credit losses:
Beginning balance		$	118,121			$	5,901			$	56,734			$	5,807			$	857			$	11,743			$	1,400			$	200,563			$	2,836			$	203,399
Charge-offs			(1,592	)			—				(77	)			—				(1,782	)			(1,617	)			—				(5,068	)			—				(5,068	)
Recoveries			1,165				3				213				16				83				461				—				1,941				—				1,941
Provision			(12,559	)			816				10,663				360				1,856				(4,265	)			(151	)			(3,280	)			(720	)			(4,000	)
Ending balance - ACL		$	105,135			$	6,720			$	67,533			$	6,183			$	1,014			$	6,322			$	1,249			$	194,156			$	2,116			$	196,272
Allowance for credit losses on off-balance sheet credit exposures:
Beginning balance		$	2,344			$	213			$	326			$	142			$	208			$	—			$	264			$	3,497			$	91			$	3,588
Provision			(605	)			(53	)			154				(36	)			(208	)			—				(249	)			(997	)			(3	)			(1,000	)
Ending balance - ACL on off-balance sheet		$	1,739			$	160			$	480			$	106			$	—			$	—			$	15			$	2,500			$	88			$	2,588

		Three Months Ended September 30, 2020
		Commercial and industrial				Specialty lending				Commercial real estate				Consumer real estate				Consumer				Credit cards				Leases and other				Total - Loans				HTM				Total
Allowance for credit losses:
Beginning balance		$	114,610			$	929			$	55,834			$	5,952			$	1,606			$	19,585			$	1,784			$	200,300			$	3,305			$	203,605
Charge-offs			(4,554	)			—				(3,000	)			—				(107	)			(1,823	)			—				(9,484	)			—				(9,484	)
Recoveries			3,923				—				6				9				56				379				—				4,373				—				4,373
Provision			5,880				2,654				6,194				1,644				857				(824	)			94				16,499				(499	)			16,000
Ending balance - ACL		$	119,859			$	3,583			$	59,034			$	7,605			$	2,412			$	17,317			$	1,878			$	211,688			$	2,806			$	214,494
Allowance for credit losses on off-balance sheet credit exposures:
Beginning balance		$	5,417			$	81			$	403			$	314			$	33			$	—			$	173			$	6,421			$	57			$	6,478
Provision			—				—				—				—				—				—				—				—				—				—
Ending balance - ACL on off-balance sheet		$	5,417			$	81			$	403			$	314			$	33			$	—			$	173			$	6,421			$	57			$	6,478

		Nine Months Ended September 30, 2021
		Commercial and industrial				Specialty lending				Commercial real estate				Consumer real estate				Consumer				Credit cards				Leases and other				Total - Loans				HTM				Total
Allowance for credit losses:
Beginning balance		$	122,700			$	5,219			$	61,931			$	6,586			$	1,480			$	15,786			$	2,271			$	215,973			$	2,610			$	218,583
Charge-offs			(6,311	)			(31,945	)			(77	)			(86	)			(2,030	)			(4,786	)			(8	)			(45,243	)			—				(45,243	)
Recoveries			4,926				154				1,560				129				170				1,475				18				8,432				—				8,432
Provision			(16,180	)			33,292				4,119				(446	)			1,394				(6,153	)			(1,032	)			14,994				(494	)			14,500
Ending balance - ACL		$	105,135			$	6,720			$	67,533			$	6,183			$	1,014			$	6,322			$	1,249			$	194,156			$	2,116			$	196,272
Allowance for credit losses on off-balance sheet credit exposures:
Beginning balance		$	3,859			$	287			$	447			$	145			$	381			$	—			$	414			$	5,533			$	55			$	5,588
Provision			(2,120	)			(127	)			33				(39	)			(381	)			—				(399	)			(3,033	)			33				(3,000	)
Ending balance - ACL on off-balance sheet		$	1,739			$	160			$	480			$	106			$	—			$	—			$	15			$	2,500			$	88			$	2,588

		Nine Months Ended September 30, 2020
		Commercial and industrial				Specialty lending				Commercial real estate				Consumer real estate				Consumer				Credit cards				Leases and other				Total - Loans				HTM				Total
Allowance for credit losses:
Beginning balance		$	63,313			$	2,545			$	15,951			$	2,623			$	543			$	15,739			$	1,074			$	101,788			$	—			$	101,788
ASU 2016-13 adjustment			3,677				148				926				152				31				914				62				5,910				3,120				9,030
Charge-offs			(6,990	)			—				(11,920	)			(219	)			(513	)			(5,953	)			(11	)			(25,606	)			—				(25,606	)
Recoveries			5,640				—				82				57				271				1,232				—				7,282				—				7,282
Provision			54,219				890				53,995				4,992				2,080				5,385				753				122,314				(314	)			122,000
Ending balance - ACL		$	119,859			$	3,583			$	59,034			$	7,605			$	2,412			$	17,317			$	1,878			$	211,688			$	2,806			$	214,494
Allowance for credit losses on off-balance sheet credit exposures:
Beginning balance		$	2,263			$	53			$	257			$	102			$	22			$	—			$	211			$	2,908			$	70			$	2,978
Provision			3,154				28				146				212				11				—				(38	)			3,513				(13	)			3,500
Ending balance - ACL on off-balance sheet		$	5,417			$	81			$	403			$	314			$	33			$	—			$	173			$	6,421			$	57			$	6,478

Summary of Amortized Cost Balance of Financial Assets Considered Collateral Dependent

The following tables provide the amortized cost balance of financial assets considered collateral dependent as of September 30, 2021 and December 31, 2020 (in thousands):

		September 30, 2021
Loan Segment and Type		Amortized Cost of Collateral Dependent Assets				Related Allowance for Credit Losses				Amortized Cost of Collateral Dependent Assets with no related Allowance
Commercial and industrial:
Equipment/Accounts Receivable/Inventory		$	83,445			$	3,474			$	79,971
Agriculture			—				—				—
Total Commercial and industrial			83,445				3,474				79,971
Specialty lending:
Asset-based lending			—				—				—
Factoring			1,211				139				—
Total Specialty lending			1,211				139				—
Commercial real estate:
Owner-occupied			4,669				—				4,669
Non-owner-occupied			—				—				—
Farmland			510				—				510
5+ Multi-family			—				—				—
1-4 Family construction			—				—				—
General construction			1,700				—				1,700
Total Commercial real estate			6,879				—				6,879
Consumer real estate:
HELOC			2,710				—				2,710
First lien: 1-4 family			1,842				—				1,842
Junior lien: 1-4 family			160				—				160
Total Consumer real estate			4,712				—				4,712
Consumer:
Revolving line			—				—				—
Auto			42				—				42
Other			20				—				20
Total Consumer			62				—				62
Leases and other:
Leases			—				—				—
Other			—				—				—
Total Leases and other			—				—				—
Total loans		$	96,309			$	3,613			$	91,624

		December 31, 2020
Loan Segment and Type		Amortized Cost of Collateral Dependent Assets				Related Allowance for Credit Losses				Amortized Cost of Collateral Dependent Assets with no related Allowance
Commercial and industrial:
Equipment/Accounts Receivable/Inventory		$	29,684			$	4,828			$	5,830
Agriculture			4,086				—				4,086
Total Commercial and industrial			33,770				4,828				9,916
Specialty lending:
Asset-based lending			17,875				4,490				242
Factoring			1,561				173				—
Total Specialty lending			19,436				4,663				242
Commercial real estate:
Owner-occupied			16,539				—				16,539
Non-owner-occupied			—				—				—
Farmland			8,625				—				8,625
5+ Multi-family			—				—				—
1-4 Family construction			—				—				—
General construction			3,423				582				770
Total Commercial real estate			28,587				582				25,934
Consumer real estate:
HELOC			3,170				—				3,170
First lien: 1-4 family			2,468				54				2,047
Junior lien: 1-4 family			212				—				212
Total Consumer real estate			5,850				54				5,429
Consumer:
Revolving line			—				—				—
Auto			69				—				69
Other			19				—				19
Total Consumer			88				—				88
Leases and other:
Leases			—				—				—
Other			—				—				—
Total Leases and other			—				—				—
Total loans		$	87,731			$	10,127			$	41,609

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