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Loans and Allowance for Credit Losses (Tables)

6 Months Ended

Jun. 30, 2022

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 June 30, 2022 and December 31, 2021 (in thousands):

		June 30, 2022
		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		$	15,369			$	1,747			$	10,158			$	27,274			$	8,281,580			$	8,308,854
Specialty lending			—				—				—				—				545,837				545,837
Commercial real estate			1,776				100				2,600				4,476				6,721,357				6,725,833
Consumer real estate			176				—				4,437				4,613				2,524,279				2,528,892
Consumer			121				—				561				682				171,909				172,591
Credit cards			2,681				1,599				336				4,616				392,676				397,292
Leases and other			—				—				25				25				292,834				292,859
Total loans		$	20,123			$	3,446			$	18,117			$	41,686			$	18,930,472			$	18,972,158

		December 31, 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		$	2,827			$	896			$	82,845			$	86,568			$	7,171,552			$	7,258,120
Specialty lending			—				—				—				—				522,362				522,362
Commercial real estate			962				—				4,688				5,650				6,261,894				6,267,544
Consumer real estate			246				489				4,210				4,945				2,315,088				2,320,033
Consumer			105				2				75				182				128,953				129,135
Credit cards			2,369				1,246				457				4,072				387,317				391,389
Leases and other			—				—				25				25				282,263				282,288
Total loans		$	6,509			$	2,633			$	92,300			$	101,442			$	17,069,429			$	17,170,871

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 June 30, 2022 and December 31, 2021 (in thousands):

		June 30, 2022
		Nonaccrual Loans				Amortized Cost of Nonaccrual Loans with no related Allowance
Loans
Commercial and industrial		$	10,158			$	10,158
Specialty lending			—				—
Commercial real estate			2,600				2,600
Consumer real estate			4,437				4,437
Consumer			561				561
Credit cards			336				336
Leases and other			25				25
Total loans		$	18,117			$	18,117

		December 31, 2021
		Nonaccrual Loans				Amortized Cost of Nonaccrual Loans with no related Allowance
Loans
Commercial and industrial		$	82,845			$	76,493
Specialty lending			—				—
Commercial real estate			4,688				4,688
Consumer real estate			4,210				4,210
Consumer			75				75
Credit cards			457				457
Leases and other			25				25
Total loans		$	92,300			$	85,948

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 June 30, 2022 and December 31, 2021 (in thousands):

		June 30, 2022
																										Amortized Cost - Revolving Loans				Amortized Cost - Revolving Loans Converted to Term Loans
Loan Segment and Type		Amortized Cost Basis by Origination Year - Term Loans
		2022				2021				2020				2019				2018				Prior												Total
Commercial and industrial:
Equipment/Accounts Receivable/Inventory		$	1,280,093			$	1,799,055			$	750,442			$	298,949			$	116,516			$	109,993					$	3,732,718					$	12,175			$	8,099,941
Agriculture			12,904				5,969				4,630				2,488				681				811						142,508						686				170,677
Overdrafts			—				—				—				—				—				—						38,236						—				38,236
Total Commercial and industrial			1,292,997				1,805,024				755,072				301,437				117,197				110,804				3,913,462				12,861				8,308,854
Specialty lending:
Asset-based lending			13,279				45,178				43,403				—				—				—				443,977				—				545,837
Total Specialty lending			13,279				45,178				43,403				—				—				—				443,977				—				545,837
Commercial real estate:
Owner-occupied			446,181				615,430				425,538				191,426				149,627				218,128				92,485				—				2,138,815
Non-owner-occupied			367,756				999,661				585,175				474,868				117,895				334,057				11,455				—				2,890,867
Farmland			65,266				63,609				234,913				25,453				17,015				43,179				34,641				56				484,132
5+ Multi-family			30,139				52,827				71,699				19,219				1,674				7,166				3,779				—				186,503
1-4 Family construction			27,681				41,091				—				160				—				—				2,743				902				72,577
General construction			166,905				616,901				111,176				44,191				40				428				13,298				—				952,939
Total Commercial real estate			1,103,928				2,389,519				1,428,501				755,317				286,251				602,958				158,401				958				6,725,833
Consumer real estate:
HELOC			181				—				657				296				556				6,292				309,724				2,096				319,802
First lien: 1-4 family			382,504				777,416				642,288				182,611				51,162				148,059				16				—				2,184,056
Junior lien: 1-4 family			4,886				9,105				5,197				2,863				1,115				1,806				62				—				25,034
Total Consumer real estate			387,571				786,521				648,142				185,770				52,833				156,157				309,802				2,096				2,528,892
Consumer:
Revolving line			1,381				906				—				—				—				—				57,100				1,161				60,548
Auto			5,395				8,247				5,883				3,891				616				348				—				—				24,380
Other			12,287				28,338				1,446				1,476				1,285				2,264				40,567				—				87,663
Total Consumer			19,063				37,491				7,329				5,367				1,901				2,612				97,667				1,161				172,591
Credit cards:
Consumer			—				—				—				—				—				—				178,456				—				178,456
Commercial			—				—				—				—				—				—				218,836				—				218,836
Total Credit cards			—				—				—				—				—				—				397,292				—				397,292
Leases and other:
Leases			—				—				—				814				—				1,306				—				—				2,120
Other			45,839				96,193				42,556				31,440				18,406				1,117				55,188				—				290,739
Total Leases and other			45,839				96,193				42,556				32,254				18,406				2,423				55,188				—				292,859
Total loans		$	2,862,677			$	5,159,926			$	2,925,003			$	1,280,145			$	476,588			$	874,954			$	5,375,789			$	17,076			$	18,972,158

		December 31, 2021
Loan Segment and Type																										Amortized Cost - Revolving Loans				Amortized Cost - Revolving Loans Converted to Term Loans
		Amortized Cost Basis by Origination Year - Term Loans
		2021				2020				2019				2018				2017				Prior												Total
	Commercial and industrial:
	Equipment/Accounts Receivable/Inventory		$	2,400,110			$	945,383			$	356,348			$	150,892			$	115,571			$	131,900					$			2,984,740			$	247			$	7,085,191
	Agriculture			12,077				5,884				3,308				640				344				1,143								130,946				—				154,342
	Overdrafts			—				—				—				—				—				—								18,587				—				18,587
Total Commercial and industrial			2,412,187				951,267				359,656				151,532				115,915				133,043				3,134,273				247				7,258,120
Specialty lending:
Asset-based lending			34,552				49,373				—				—				—				—				331,282				—				415,207
Factoring			—				—				—				—				—				—				107,155				—				107,155
Total Specialty lending			34,552				49,373				—				—				—				—				438,437				—				522,362
Commercial real estate:
Owner-occupied			680,135				519,448				226,631				177,576				91,539				159,482				11,727				—				1,866,538
Non-owner-occupied			1,058,025				689,167				591,886				162,491				135,100				258,541				10,969				—				2,906,179
Farmland			61,505				273,624				34,145				16,969				19,929				34,858				38,239				999				480,268
5+ Multi-family			58,268				95,024				41,426				1,206				511				6,820				2,057				—				205,312
1-4 Family construction			53,004				4,933				17,333				—				—				—				985				—				76,255
General construction			439,973				160,553				64,283				38,505				203				256				29,219				—				732,992
Total Commercial real estate			2,350,910				1,742,749				975,704				396,747				247,282				459,957				93,196				999				6,267,544
Consumer real estate:
HELOC			248				547				327				574				646				6,363				320,410				2,523				331,638
First lien: 1-4 family			830,513				712,264				200,167				58,734				61,641				102,997				19				—				1,966,335
Junior lien: 1-4 family			9,114				6,299				3,361				1,150				820				1,299				17				—				22,060
Total Consumer real estate			839,875				719,110				203,855				60,458				63,107				110,659				320,446				2,523				2,320,033
Consumer:
Revolving line			974				—				—				—				—				—				60,049				120				61,143
Auto			9,886				7,775				5,462				1,107				479				220				—				—				24,929
Other			31,391				2,041				1,949				1,543				2,542				708				2,889				—				43,063
Total Consumer			42,251				9,816				7,411				2,650				3,021				928				62,938				120				129,135
Credit cards:
Consumer			—				—				—				—				—				—				180,296				—				180,296
Commercial			—				—				—				—				—				—				211,093				—				211,093
Total Credit cards			—				—				—				—				—				—				391,389				—				391,389
Leases and other:
Leases			—				—				814				—				739				614				—				—				2,167
Other			99,952				44,113				58,164				22,344				5,631				779				49,138				—				280,121
Total Leases and other			99,952				44,113				58,978				22,344				6,370				1,393				49,138				—				282,288
Total loans		$	5,779,727			$	3,516,428			$	1,605,604			$	633,731			$	435,695			$	705,980			$	4,489,817			$	3,889			$	17,170,871

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 June 30, 2022 and December 31, 2021 (in thousands):

		June 30, 2022
																										Amortized Cost - Revolving Loans				Amortized Cost - Revolving Loans Converted to Term Loans
Risk by Collateral		Amortized Cost Basis by Origination Year - Term Loans
		2022				2021				2020				2019				2018				Prior												Total
Equipment/Accounts Receivable/Inventory
Non-watch list – Pass		$	1,249,012			$	1,710,330			$	674,224			$	276,684			$	110,670			$	101,103					$	3,497,161					$	12,096			$	7,631,280
Watch – Pass			18,156				64,990				64,685				7,187				3,426				2,946						88,499						48				249,937
Special Mention			8,842				17,013				10,903				12,065				2,089				948						88,598						—				140,458
Substandard			4,083				6,443				630				3,013				331				634				55,530				31				70,695
Doubtful			—				279				—				—				—				4,362				2,930				—				7,571
Total Equipment/Accounts Receivable/Inventory		$	1,280,093			$	1,799,055			$	750,442			$	298,949			$	116,516			$	109,993			$	3,732,718			$	12,175			$	8,099,941
Agriculture
Non-watch list – Pass		$	12,839			$	5,770			$	4,424			$	2,488			$	563			$	811			$	129,633			$	136			$	156,664
Watch – Pass			65				199				206				—				118				—				7,310				550				8,448
Special Mention			—				—				—				—				—				—				—				—				—
Substandard			—				—				—				—				—				—				5,565				—				5,565
Doubtful			—				—				—				—				—				—				—				—				—
Total Agriculture		$	12,904			$	5,969			$	4,630			$	2,488			$	681			$	811			$	142,508			$	686			$	170,677

		December 31, 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		$	2,299,784			$	874,786			$	325,630			$	141,667			$	106,141			$	130,153					$	2,750,764					$	247			$	6,629,172
Watch – Pass			68,322				34,324				25,572				5,056				1,794				698						106,177						—				241,943
Special Mention			5,886				—				2,600				592				1,742				997						41,209						—				53,026
Substandard			25,466				3,023				2,546				3,577				1,202				52				45,053				—				80,919
Doubtful			652				33,250				—				—				4,692				—				41,537				—				80,131
Total Equipment/Accounts Receivable/Inventory		$	2,400,110			$	945,383			$	356,348			$	150,892			$	115,571			$	131,900			$	2,984,740			$	247			$	7,085,191
Agriculture
Non-watch list – Pass		$	11,512			$	5,394			$	2,608			$	212			$	344			$	1,143			$	100,630			$	—			$	121,843
Watch – Pass			500				222				328				428				—				—				6,532				—				8,010
Special Mention			—				—				372				—				—				—				1,361				—				1,733
Substandard			65				268				—				—				—				—				22,423				—				22,756
Doubtful			—				—				—				—				—				—				—				—				—
Total Agriculture		$	12,077			$	5,884			$	3,308			$	640			$	344			$	1,143			$	130,946			$	—			$	154,342

The following tables provide a summary of the amortized cost balance by collateral type and risk rating as of June 30, 2022 and December 31, 2021 (in thousands):

		June 30, 2022
																										Amortized Cost - Revolving Loans				Amortized Cost - Revolving Loans Converted to Term Loans
Risk by Collateral		Amortized Cost Basis by Origination Year - Term Loans
		2022				2021				2020				2019				2018				Prior												Total
Owner-occupied
Non-watch list – Pass		$	440,982			$	608,269			$	411,289			$	159,821			$	148,077			$	213,990					$	92,385					$	—			$	2,074,813
Watch – Pass			1,962				351				12,989				8,588				1,041				1,360						—						—				26,291
Special Mention			1,919				6,810				1,232				21,326				—				—						—						—				31,287
Substandard			1,318				—				28				1,691				509				2,778				100				—				6,424
Doubtful			—				—				—				—				—				—				—				—				—
Total Owner-occupied		$	446,181			$	615,430			$	425,538			$	191,426			$	149,627			$	218,128			$	92,485			$	—			$	2,138,815
Non-owner-occupied
Non-watch list – Pass		$	338,699			$	954,471			$	585,175			$	463,417			$	94,034			$	292,791			$	11,455			$	—			$	2,740,042
Watch – Pass			29,057				45,190				—				11,451				23,861				5,177				—				—				114,736
Special Mention			—				—				—				—				—				36,069				—				—				36,069
Substandard			—				—				—				—				—				20				—				—				20
Doubtful			—				—				—				—				—				—				—				—				—
Total Non-owner-occupied		$	367,756			$	999,661			$	585,175			$	474,868			$	117,895			$	334,057			$	11,455			$	—			$	2,890,867
Farmland
Non-watch list – Pass		$	49,811			$	43,474			$	232,869			$	18,689			$	3,081			$	39,172			$	26,702			$	56			$	413,854
Watch – Pass			1,628				2,060				1,261				104				219				3,204				—				—				8,476
Special Mention			13,827				3,733				741				6,458				13,700				—				7,274				—				45,733
Substandard			—				14,342				42				202				15				803				665				—				16,069
Doubtful			—				—				—				—				—				—				—				—				—
Total Farmland		$	65,266			$	63,609			$	234,913			$	25,453			$	17,015			$	43,179			$	34,641			$	56			$	484,132
5+ Multi-family
Non-watch list – Pass		$	30,139			$	52,827			$	71,699			$	19,219			$	1,674			$	7,166			$	3,779			$	—			$	186,503
Watch – Pass			—				—				—				—				—				—				—				—				—
Special Mention			—				—				—				—				—				—				—				—				—
Substandard			—				—				—				—				—				—				—				—				—
Doubtful			—				—				—				—				—				—				—				—				—
Total 5+ Multi-family		$	30,139			$	52,827			$	71,699			$	19,219			$	1,674			$	7,166			$	3,779			$	—			$	186,503
1-4 Family construction
Non-watch list – Pass		$	27,681			$	41,091			$	—			$	160			$	—			$	—			$	2,743			$	902			$	72,577
Watch – Pass			—				—				—				—				—				—				—				—				—
Special Mention			—				—				—				—				—				—				—				—				—
Substandard			—				—				—				—				—				—				—				—				—
Doubtful			—				—				—				—				—				—				—				—				—
Total 1-4 Family construction		$	27,681			$	41,091			$	—			$	160			$	—			$	—			$	2,743			$	902			$	72,577
General construction
Non-watch list – Pass		$	166,905			$	616,901			$	111,176			$	44,105			$	40			$	411			$	13,298			$	—			$	952,836
Watch – Pass			—				—				—				—				—				—				—				—				—
Special Mention			—				—				—				—				—				—				—				—				—
Substandard			—				—				—				—				—				17				—				—				17
Doubtful			—				—				—				86				—				—				—				—				86
Total General construction		$	166,905			$	616,901			$	111,176			$	44,191			$	40			$	428			$	13,298			$	—			$	952,939

		December 31, 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		$	679,662			$	507,220			$	208,376			$	174,352			$	89,588			$	154,920					$	11,627					$	—			$	1,825,745
Watch – Pass			191				10,891				16,493				1,055				1,143				1,572						—						—				31,345
Special Mention			93				1,304				—				—				—				—						—						—				1,397
Substandard			189				33				1,762				2,169				808				2,990				100				—				8,051
Doubtful			—				—				—				—				—				—				—				—				—
Total Owner-occupied		$	680,135			$	519,448			$	226,631			$	177,576			$	91,539			$	159,482			$	11,727			$	—			$	1,866,538
Non-owner-occupied
Non-watch list – Pass		$	976,097			$	679,313			$	536,084			$	143,243			$	129,820			$	219,701			$	10,969			$	—			$	2,695,227
Watch – Pass			57,052				1,277				55,802				19,248				5,280				2,587				—				—				141,246
Special Mention			24,876				8,577				—				—				—				36,223				—				—				69,676
Substandard			—				—				—				—				—				30				—				—				30
Doubtful			—				—				—				—				—				—				—				—				—
Total Non-owner-occupied		$	1,058,025			$	689,167			$	591,886			$	162,491			$	135,100			$	258,541			$	10,969			$	—			$	2,906,179
Farmland
Non-watch list – Pass		$	40,526			$	246,955			$	26,332			$	2,147			$	19,199			$	29,136			$	28,276			$	—			$	392,571
Watch – Pass			2,263				10,177				—				823				213				4,889				—				—				18,365
Special Mention			3,800				—				6,875				13,983				517				—				8,999				—				34,174
Substandard			14,916				16,492				938				16				—				833				964				999				35,158
Doubtful			—				—				—				—				—				—				—				—				—
Total Farmland		$	61,505			$	273,624			$	34,145			$	16,969			$	19,929			$	34,858			$	38,239			$	999			$	480,268
5+ Multi-family
Non-watch list – Pass		$	58,268			$	95,024			$	41,426			$	1,206			$	511			$	6,820			$	2,057			$	—			$	205,312
Watch – Pass			—				—				—				—				—				—				—				—				—
Special Mention			—				—				—				—				—				—				—				—				—
Substandard			—				—				—				—				—				—				—				—				—
Doubtful			—				—				—				—				—				—				—				—				—
Total 5+ Multi-family		$	58,268			$	95,024			$	41,426			$	1,206			$	511			$	6,820			$	2,057			$	—			$	205,312
1-4 Family construction
Non-watch list – Pass		$	53,004			$	4,933			$	17,333			$	—			$	—			$	—			$	985			$	—			$	76,255
Watch – Pass			—				—				—				—				—				—				—				—				—
Special Mention			—				—				—				—				—				—				—				—				—
Substandard			—				—				—				—				—				—				—				—				—
Doubtful			—				—				—				—				—				—				—				—				—
Total 1-4 Family construction		$	53,004			$	4,933			$	17,333			$	—			$	—			$	—			$	985			$	—			$	76,255
General construction
Non-watch list – Pass		$	436,696			$	160,553			$	62,675			$	38,505			$	203			$	239			$	29,219			$	—			$	728,090
Watch – Pass			3,277				—				—				—				—				—				—				—				3,277
Special Mention			—				—				—				—				—				—				—				—				—
Substandard			—				—				1,522				—				—				17				—				—				1,539
Doubtful			—				—				86				—				—				—				—				—				86
Total General construction		$	439,973			$	160,553			$	64,283			$	38,505			$	203			$	256			$	29,219			$	—			$	732,992

The following tables provide a summary of the amortized cost balance by collateral type and risk rating as of June 30, 2022 and December 31, 2021 (in thousands):

		June 30, 2022
																										Amortized Cost - Revolving Loans				Amortized Cost - Revolving Loans Converted to Term Loans
Risk by Collateral		Amortized Cost Basis by Origination Year - Term Loans
		2022				2021				2020				2019				2018				Prior												Total
HELOC
Performing		$	181			$	—			$	575			$	159			$	192			$	4,784					$	309,633					$	1,933			$	317,457
Non-performing			—				—				82				137				364				1,508						91						163				2,345
Total HELOC		$	181			$	—			$	657			$	296			$	556			$	6,292					$	309,724					$	2,096			$	319,802
First lien: 1-4 family
Performing		$	382,504			$	776,840			$	642,235			$	182,367			$	51,162			$	146,329			$	16			$	—			$	2,181,453
Non-performing			—				576				53				244				—				1,730				—				—				2,603
Total First lien: 1-4 family		$	382,504			$	777,416			$	642,288			$	182,611			$	51,162			$	148,059			$	16			$	—			$	2,184,056
Junior lien: 1-4 family
Performing		$	4,886			$	9,105			$	5,197			$	2,863			$	1,115			$	1,742			$	62			$	—			$	24,970
Non-performing			—				—				—				—				—				64				—				—				64
Total Junior lien: 1-4 family		$	4,886			$	9,105			$	5,197			$	2,863			$	1,115			$	1,806			$	62			$	—			$	25,034

		December 31, 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		$	248			$	531			$	188			$	165			$	381			$	4,956					$	320,241					$	2,440			$	329,150
Non-performing			—				16				139				409				265				1,407						169						83				2,488
Total HELOC		$	248			$	547			$	327			$	574			$	646			$	6,363					$	320,410					$	2,523			$	331,638
First lien: 1-4 family
Performing		$	830,513			$	712,194			$	199,949			$	58,585			$	61,233			$	102,194			$	19			$	—			$	1,964,687
Non-performing			—				70				218				149				408				803				—				—				1,648
Total First lien: 1-4 family		$	830,513			$	712,264			$	200,167			$	58,734			$	61,641			$	102,997			$	19			$	—			$	1,966,335
Junior lien: 1-4 family
Performing		$	9,114			$	6,299			$	3,361			$	1,143			$	800			$	1,251			$	17			$	—			$	21,985
Non-performing			—				—				—				7				20				48				—				—				75
Total Junior lien: 1-4 family		$	9,114			$	6,299			$	3,361			$	1,150			$	820			$	1,299			$	17			$	—			$	22,060

The following tables provide a summary of the amortized cost balance by collateral type and risk rating as of June 30, 2022 and December 31, 2021 (in thousands):

		June 30, 2022
																										Amortized Cost - Revolving Loans				Amortized Cost - Revolving Loans Converted to Term Loans
Risk by Collateral		Amortized Cost Basis by Origination Year - Term Loans
		2022				2021				2020				2019				2018				Prior												Total
Revolving line
Performing		$	1,381			$	906			$	—			$	—			$	—			$	—					$	56,609					$	1,161			$	60,057
Non-performing			—				—				—				—				—				—						491						—				491
Total Revolving line		$	1,381			$	906			$	—			$	—			$	—			$	—					$	57,100					$	1,161			$	60,548
Auto
Performing		$	5,395			$	8,225			$	5,881			$	3,860			$	616			$	348			$	—			$	—			$	24,325
Non-performing			—				22				2				31				—				—				—				—				55
Total Auto		$	5,395			$	8,247			$	5,883			$	3,891			$	616			$	348			$	—			$	—			$	24,380
Other
Performing		$	12,272			$	28,338			$	1,446			$	1,476			$	1,285			$	2,264			$	40,567			$	—			$	87,648
Non-performing			15				—				—				—				—				—				—				—				15
Total Other		$	12,287			$	28,338			$	1,446			$	1,476			$	1,285			$	2,264			$	40,567			$	—			$	87,663

		December 31, 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		$	974			$	—			$	—			$	—			$	—			$	—					$	60,049					$	120			$	61,143
Non-performing			—				—				—				—				—				—						—						—				—
Total Revolving line		$	974			$	—			$	—			$	—			$	—			$	—					$	60,049					$	120			$	61,143
Auto
Performing		$	9,886			$	7,775			$	5,424			$	1,107			$	479			$	220			$	—			$	—			$	24,891
Non-performing			—				—				38				—				—				—				—				—				38
Total Auto		$	9,886			$	7,775			$	5,462			$	1,107			$	479			$	220			$	—			$	—			$	24,929
Other
Performing		$	31,391			$	2,025			$	1,949			$	1,525			$	2,542			$	704			$	2,889			$	—			$	43,025
Non-performing			—				16				—				18				—				4				—				—				38
Total Other		$	31,391			$	2,041			$	1,949			$	1,543			$	2,542			$	708			$	2,889			$	—			$	43,063

The following table provides a summary of the amortized cost balance of consumer credit cards by risk rating as of June 30, 2022 and December 31, 2021 (in thousands):

		Consumer
Risk		June 30, 2022				December 31, 2021
Transactor accounts		$	60,138			$	57,777
Revolver accounts (by credit score):
Less than 600			4,268				6,065
600-619			2,398				2,416
620-639			4,523				4,158
640-659			8,114				7,854
660-679			9,393				13,185
680-699			11,198				15,365
700-719			14,401				16,308
720-739			13,880				14,753
740-759			12,755				12,734
760-779			13,048				8,879
780-799			11,902				7,048
800-819			7,807				5,787
820-839			3,813				5,026
840+			818				2,941
Total		$	178,456			$	180,296

The following table provides a summary of the amortized cost balance of commercial credit cards by risk rating as of June 30, 2022 and December 31, 2021 (in thousands):

		Commercial
Risk		June 30, 2022				December 31, 2021
Current		$	210,174			$	200,402
Past Due			8,662				10,691
Total		$	218,836			$	211,093

The following table provides a summary of the amortized cost balance by collateral type and risk rating as of June 30, 2022 and December 31, 2021 (in thousands):

		Leases								Other
Risk		June 30, 2022				December 31, 2021				June 30, 2022				December 31, 2021
Non-watch list – Pass		$	2,120			$	2,167			$	289,998			$	279,401
Watch – Pass			—				—				716				695
Special Mention			—				—				—				—
Substandard			—				—				25				25
Doubtful			—				—				—				—
Total		$	2,120			$	2,167			$	290,739			$	280,121

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 six months ended June 30, 2022 and June 30, 2021 (in thousands):

		Three Months Ended June 30, 2022
		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		$	118,668			$	861			$	47,310			$	4,037			$	418			$	5,819			$	2,175			$	179,288			$	2,045			$	181,333
Charge-offs			(28,015	)			—				—				(25	)			(161	)			(1,468	)			—				(29,669	)			—				(29,669	)
Recoveries			729				1				23				82				31				675				—				1,541				—				1,541
Provision			21,560				271				(10,093	)			471				575				553				(151	)			13,186				214				13,400
Ending balance - ACL		$	112,942			$	1,133			$	37,240			$	4,565			$	863			$	5,579			$	2,024			$	164,346			$	2,259			$	166,605
Allowance for credit losses on off-balance sheet credit exposures:
Beginning balance		$	2,178			$	186			$	418			$	124			$	13			$	—			$	62			$	2,981			$	107			$	3,088
Provision			—				—				—				—				—				—				—				—				—				—
Ending balance - ACL on off-balance sheet		$	2,178			$	186			$	418			$	124			$	13			$	—			$	62			$	2,981			$	107			$	3,088

		Three Months Ended June 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		$	119,568			$	4,673			$	60,043			$	4,183			$	603			$	12,144			$	1,600			$	202,814			$	2,959			$	205,773
Charge-offs			(2	)			(31,945	)			—				(10	)			(139	)			(1,477	)			—				(33,573	)			—				(33,573	)
Recoveries			3,635				36				838				54				64				572				—				5,199				—				5,199
Provision			(5,080	)			33,137				(4,147	)			1,580				329				504				(200	)			26,123				(123	)			26,000
Ending balance - ACL		$	118,121			$	5,901			$	56,734			$	5,807			$	857			$	11,743			$	1,400			$	200,563			$	2,836			$	203,399
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			(1,515	)			(74	)			(121	)			(3	)			(173	)			—				(150	)			(2,036	)			36				(2,000	)
Ending balance - ACL on off-balance sheet		$	2,344			$	213			$	326			$	142			$	208			$	—			$	264			$	3,497			$	91			$	3,588

		Six Months Ended June 30, 2022
		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		$	123,732			$	1,738			$	56,265			$	3,921			$	845			$	6,075			$	2,195			$	194,771			$	1,940			$	196,711
Charge-offs			(36,217	)			—				—				(57	)			(319	)			(2,933	)			—				(39,526	)			—				(39,526	)
Recoveries			1,390				1				385				110				60				1,074				—				3,020				—				3,020
Provision			24,037				(606	)			(19,410	)			591				277				1,363				(171	)			6,081				319				6,400
Ending balance - ACL		$	112,942			$	1,133			$	37,240			$	4,565			$	863			$	5,579			$	2,024			$	164,346			$	2,259			$	166,605
Allowance for credit losses on off-balance sheet credit exposures:
Beginning balance		$	1,739			$	160			$	480			$	106			$	—			$	—			$	15			$	2,500			$	88			$	2,588
Provision			439				26				(62	)			18				13				—				47				481				19				500
Ending balance - ACL on off-balance sheet		$	2,178			$	186			$	418			$	124			$	13			$	—			$	62			$	2,981			$	107			$	3,088

		Six Months Ended June 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			(4,719	)			(31,945	)			—				(86	)			(248	)			(3,169	)			(8	)			(40,175	)			—				(40,175	)
Recoveries			3,761				151				1,347				113				87				1,014				18				6,491				—				6,491
Provision			(3,621	)			32,476				(6,544	)			(806	)			(462	)			(1,888	)			(881	)			18,274				226				18,500
Ending balance - ACL		$	118,121			$	5,901			$	56,734			$	5,807			$	857			$	11,743			$	1,400			$	200,563			$	2,836			$	203,399
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			(1,515	)			(74	)			(121	)			(3	)			(173	)			—				(150	)			(2,036	)			36				(2,000	)
Ending balance - ACL on off-balance sheet		$	2,344			$	213			$	326			$	142			$	208			$	—			$	264			$	3,497			$	91			$	3,588

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 June 30, 2022 and December 31, 2021 (in thousands):

		June 30, 2022
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		$	14,412			$	340			$	13,856
Agriculture			—				—				—
Total Commercial and industrial			14,412				340				13,856
Specialty lending:
Asset-based lending			—				—				—
Total Specialty lending			—				—				—
Commercial real estate:
Owner-occupied			2,258				—				2,258
Non-owner-occupied			—				—				—
Farmland			420				—				420
5+ Multi-family			—				—				—
1-4 Family construction			—				—				—
General construction			103				—				103
Total Commercial real estate			2,781				—				2,781
Consumer real estate:
HELOC			2,346				—				2,346
First lien: 1-4 family			2,027				—				2,027
Junior lien: 1-4 family			64				—				64
Total Consumer real estate			4,437				—				4,437
Consumer:
Revolving line			491				—				491
Auto			55				—				55
Other			15				—				15
Total Consumer			561				—				561
Leases and other:
Leases			—				—				—
Other			25				—				25
Total Leases and other			25				—				25
Total loans		$	22,216			$	340			$	21,660

		December 31, 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		$	82,845			$	2,421			$	76,493
Agriculture			—				—				—
Total Commercial and industrial			82,845				2,421				76,493
Specialty lending:
Asset-based lending			—				—				—
Factoring			—				—				—
Total Specialty lending			—				—				—
Commercial real estate:
Owner-occupied			2,764				—				2,764
Non-owner-occupied			—				—				—
Farmland			487				—				487
5+ Multi-family			—				—				—
1-4 Family construction			—				—				—
General construction			1,626				—				1,626
Total Commercial real estate			4,877				—				4,877
Consumer real estate:
HELOC			2,488				—				2,488
First lien: 1-4 family			1,647				—				1,647
Junior lien: 1-4 family			75				—				75
Total Consumer real estate			4,210				—				4,210
Consumer:
Revolving line			—				—				—
Auto			38				—				38
Other			37				—				37
Total Consumer			75				—				75
Leases and other:
Leases			—				—				—
Other			25				—				25
Total Leases and other			25				—				25
Total loans		$	92,032			$	2,421			$	85,680

X

- Definition

Schedule of amortized cost balance of financial assets considered collateral dependent.

+ References

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- Definition

Summary of amortized cost balance by collateral type and risk rating.

+ References

No definition available.

+ Details

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X

- Definition

Summary of amortized cost of loans by loan segments and related collateral.

+ References

No definition available.

+ Details

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X

- Definition

Tabular disclosure of allowance for credit loss on financing receivable.

+ References

Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 310
-SubTopic 10
-Section 50
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