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Loans (Tables) | 6 Months Ended
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Jun. 30, 2024
Receivables [Abstract] |
Loans | Loans were as follows:
| June 30, 2024 |  | December 31, 2023
Commercial and industrial | $ | 6,210,179 |  |  | $ | 5,967,182 |
Energy: |  |  |
Production | 858,990 |  |  | 681,568 |
Service | 209,658 |  |  | 194,126 |
Other | 28,009 |  |  | 61,043 |
Total energy | 1,096,657 |  |  | 936,737 |
Commercial real estate: |  |  |
Commercial mortgages | 6,955,118 |  |  | 6,746,709 |
Construction | 1,997,545 |  |  | 1,680,724 |
Land | 542,549 |  |  | 555,211 |
Total commercial real estate | 9,495,212 |  |  | 8,982,644 |
Consumer real estate: |  |  |
Home equity lines of credit | 832,307 |  |  | 792,876 |
Home equity loans | 790,727 |  |  | 694,966 |
Home improvement loans | 813,799 |  |  | 765,887 |
Other | 303,895 |  |  | 206,997 |
Total consumer real estate | 2,740,728 |  |  | 2,460,726 |
Total real estate | 12,235,940 |  |  | 11,443,370 |
Consumer and other | 452,980 |  |  | 476,962 |
Total loans | $ | 19,995,756 |  |  | $ | 18,824,251 |
Non-Accrual Loans, Segregated by Class of Loans | Non-accrual loans, segregated by class of loans, were as follows:
| June 30, 2024 |  | December 31, 2023
| Total Non-Accrual |  | Non-Accrual with No Credit Loss Allowance |  | Total Non-Accrual |  | Non-Accrual with No Credit Loss Allowance
Commercial and industrial | $ | 26,329 |  |  | $ | 8,044 |  |  | $ | 19,545 |  |  | $ | 5,391 |
Energy | 9,147 |  |  | 6,045 |  |  | 11,500 |  |  | 7,398 |
Commercial real estate: |  |  |  |  |  |  |
Buildings, land, and other | 33,092 |  |  | 14,099 |  |  | 22,420 |  |  | 4,983 |
Construction | — |  |  | — |  |  | — |  |  | — |
Consumer real estate | 6,419 |  |  | 4,188 |  |  | 7,442 |  |  | 5,160 |
Consumer and other | — |  |  | — |  |  | — |  |  | — |
Total | $ | 74,987 |  |  | $ | 32,376 |  |  | $ | 60,907 |  |  | $ | 22,932 |
Financing Receivable, Non-Accrual Loans, Segregated by Class of Loan and Year of Origination | The following table presents non-accrual loans as of June 30, 2024 by class and year of origination.
| 2024 |  | 2023 |  | 2022 |  | 2021 |  | 2020 |  | Prior |  | Revolving Loans |  | Revolving Loans Converted to Term |  | Total
Commercial and industrial | $ | 746 |  |  | $ | 3,764 |  |  | $ | 1,159 |  |  | $ | 3,066 |  |  | $ | 514 |  |  | $ | 2,197 |  |  | $ | 2,149 |  |  | $ | 12,734 |  |  | $ | 26,329 |
Energy | 4,522 |  |  | — |  |  | — |  |  | — |  |  | 56 |  |  | 1,321 |  |  | 3,102 |  |  | 146 |  |  | 9,147 |
Commercial real estate: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Buildings, land, and other | 328 |  |  | 20,115 |  |  | 3,027 |  |  | 5,374 |  |  | — |  |  | 1,411 |  |  | 2,837 |  |  | — |  |  | 33,092 |
Construction | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Consumer real estate | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 6,419 |  |  | — |  |  | — |  |  | 6,419 |
Consumer and other | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Total | $ | 5,596 |  |  | $ | 23,879 |  |  | $ | 4,186 |  |  | $ | 8,440 |  |  | $ | 570 |  |  | $ | 11,348 |  |  | $ | 8,088 |  |  | $ | 12,880 |  |  | $ | 74,987 |
Age Analysis of Past Due Loans, Segregated by Class of Loans | An age analysis of past due loans (including both accruing and non-accruing loans), segregated by class of loans, as of June 30, 2024 was as follows:
| Loans 30-89 Days Past Due |  | Loans 90 or More Days Past Due |  | Total Past Due Loans |  | Current Loans |  | Total Loans |  | Accruing Loans 90 or More Days Past Due
Commercial and industrial | $ | 38,806 |  |  | $ | 24,640 |  |  | $ | 63,446 |  |  | $ | 6,146,733 |  |  | $ | 6,210,179 |  |  | $ | 5,568 |
Energy | — |  |  | 4,625 |  |  | 4,625 |  |  | 1,092,032 |  |  | 1,096,657 |  |  | — |
Commercial real estate: |  |  |  |  |  |  |  |  |  |  |
Buildings, land, and other | 20,272 |  |  | 14,620 |  |  | 34,892 |  |  | 7,462,775 |  |  | 7,497,667 |  |  | 1,687 |
Construction | 24,535 |  |  | — |  |  | 24,535 |  |  | 1,973,010 |  |  | 1,997,545 |  |  | — |
Consumer real estate | 17,659 |  |  | 8,819 |  |  | 26,478 |  |  | 2,714,250 |  |  | 2,740,728 |  |  | 4,707 |
Consumer and other | 5,734 |  |  | 577 |  |  | 6,311 |  |  | 446,669 |  |  | 452,980 |  |  | 577 |
Total | $ | 107,006 |  |  | $ | 53,281 |  |  | $ | 160,287 |  |  | $ | 19,835,469 |  |  | $ | 19,995,756 |  |  | $ | 12,539 |
Modification to Borrowers Experiencing Financial Difficulty | The period-end balance of loan modifications, segregated by type of modification, to borrowers experiencing financial difficulty during the six months ended June 30, 2024 and 2023 are set forth in the table below, regardless of whether such modifications resulted in a new loan. There were no commitments to lend additional funds to these borrowers at June 30, 2024.
|  |  |  |  |  |  |  |  | Combination: Payment Delay and Term Extension |  | Percent of Total Class of Loans |  |  |  |
June 30, 2024 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial and industrial |  |  |  |  |  |  |  |  | $ | 27,731 |  |  | 0.4 | % |  |  |  |
June 30, 2023 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial and industrial |  |  |  |  |  |  |  |  | $ | 16,020 |  |  | 0.3 | % |  |  |  |
Commercial real estate: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Buildings, land, and other |  |  |  |  |  |  |  |  | 20,466 |  |  | 0.3 |  |  |  |  |
|  |  |  |  |  |  |  |  | $ | 36,486 |  |  | 0.2 |  |  |  |  |
Financing Receivables, Modified Loans Past Due in Excess of 90 Days or on Non-Accrual Status, Charge-offs and Proceeds From Sales at Period-End | Information as of June 30, 2024 and June 30, 2023 related to loans modified (by type of modification) in the preceding twelve months, respectively, whereby the borrower was experiencing financial difficulty at the time of modification is set forth in the following table.
|  |  |  |  | June 30, 2024 |  |  |  |  |  |  |  |  |  | June 30, 2023
|  |  |  |  | Combination: Payment Delay and Term Extension |  |  |  |  |  |  |  |  |  | Combination: Payment Delay and Term Extension
Past due in excess of 90 days or on non-accrual status at period-end: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial and industrial |  |  |  |  | $ | — |  |  |  |  |  |  |  |  |  |  | $ | 16,020 |
Commercial real estate: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Buildings, land, and other |  |  |  |  | — |  |  |  |  |  |  |  |  |  |  | 20,466 |
|  |  |  |  | $ | — |  |  |  |  |  |  |  |  |  |  | $ | 36,486 |
Weighted Average Risk Grades for All Commercial Loans by Class and Year of Origination | The following table presents weighted-average risk grades for all commercial loans, by class and year of origination/renewal, as of June 30, 2024.
| 2024 |  | 2023 |  | 2022 |  | 2021 |  | 2020 |  | Prior |  | Revolving Loans |  | Revolving Loans Converted to Term |  | Total |  | W/A Risk Grade
Commercial and industrial |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Risk grades 1-8 | $ | 1,095,611 |  |  | $ | 672,837 |  |  | $ | 566,640 |  |  | $ | 340,735 |  |  | $ | 310,052 |  |  | $ | 316,544 |  |  | $ | 2,208,140 |  |  | $ | 45,210 |  |  | $ | 5,555,769 |  |  | 6.40 |
Risk grade 9 | 16,980 |  |  | 9,095 |  |  | 65,217 |  |  | 10,609 |  |  | 5,220 |  |  | 9,906 |  |  | 92,920 |  |  | 4,372 |  |  | 214,319 |  |  | 9.00 |
Risk grade 10 | 1,114 |  |  | 434 |  |  | 14,799 |  |  | 687 |  |  | 218 |  |  | 12,285 |  |  | 43,049 |  |  | 3,775 |  |  | 76,361 |  |  | 10.00 |
Risk grade 11 | 93,737 |  |  | 32,948 |  |  | 20,080 |  |  | 36,358 |  |  | 5,840 |  |  | 2,046 |  |  | 140,163 |  |  | 6,229 |  |  | 337,401 |  |  | 11.00 |
Risk grade 12 | 746 |  |  | 2,474 |  |  | 1,015 |  |  | 3,062 |  |  | 503 |  |  | 2,197 |  |  | 646 |  |  | 9,658 |  |  | 20,301 |  |  | 12.00 |
Risk grade 13 | — |  |  | 1,290 |  |  | 144 |  |  | 4 |  |  | 11 |  |  | — |  |  | 1,503 |  |  | 3,076 |  |  | 6,028 |  |  | 13.00 |
| $ | 1,208,188 |  |  | $ | 719,078 |  |  | $ | 667,895 |  |  | $ | 391,455 |  |  | $ | 321,844 |  |  | $ | 342,978 |  |  | $ | 2,486,421 |  |  | $ | 72,320 |  |  | $ | 6,210,179 |  |  | 6.81 |
W/A risk grade | 7.27 |  |  | 6.93 |  |  | 7.29 |  |  | 7.32 |  |  | 5.72 |  |  | 6.07 |  |  | 6.53 |  |  | 8.52 |  |  | 6.81 |  |  |
Energy |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Risk grades 1-8 | $ | 300,048 |  |  | $ | 34,672 |  |  | $ | 49,350 |  |  | $ | 49,328 |  |  | $ | 3,927 |  |  | $ | 5,041 |  |  | $ | 597,664 |  |  | $ | 6,669 |  |  | $ | 1,046,699 |  |  | 5.63 |
Risk grade 9 | — |  |  | 1,342 |  |  | 3,634 |  |  | 755 |  |  | — |  |  | 414 |  |  | 23,888 |  |  | 652 |  |  | 30,685 |  |  | 9.00 |
Risk grade 10 | — |  |  | — |  |  | — |  |  | 21 |  |  | — |  |  | 694 |  |  | 4,100 |  |  | — |  |  | 4,815 |  |  | 10.00 |
Risk grade 11 | — |  |  | — |  |  | 2,075 |  |  | — |  |  | 72 |  |  | 2,945 |  |  | — |  |  | 219 |  |  | 5,311 |  |  | 11.00 |
Risk grade 12 | 4,522 |  |  | — |  |  | — |  |  | — |  |  | 56 |  |  | 1,321 |  |  | 402 |  |  | 146 |  |  | 6,447 |  |  | 12.00 |
Risk grade 13 | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 2,700 |  |  | — |  |  | 2,700 |  |  | 13.00 |
| $ | 304,570 |  |  | $ | 36,014 |  |  | $ | 55,059 |  |  | $ | 50,104 |  |  | $ | 4,055 |  |  | $ | 10,415 |  |  | $ | 628,754 |  |  | $ | 7,686 |  |  | $ | 1,096,657 |  |  | 5.83 |
W/A risk grade | 6.11 |  |  | 6.80 |  |  | 7.00 |  |  | 5.88 |  |  | 6.56 |  |  | 9.00 |  |  | 5.44 |  |  | 7.32 |  |  | 5.83 |  |  |
Commercial real estate: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Buildings, land, other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Risk grades 1-8 | $ | 675,926 |  |  | $ | 1,431,165 |  |  | $ | 1,485,228 |  |  | $ | 1,150,261 |  |  | $ | 706,667 |  |  | $ | 1,153,397 |  |  | $ | 119,008 |  |  | $ | 96,456 |  |  | $ | 6,818,108 |  |  | 7.05 |
Risk grade 9 | 4,176 |  |  | 5,529 |  |  | 128,935 |  |  | 35,986 |  |  | 7,420 |  |  | 38,849 |  |  | 43,689 |  |  | 61,767 |  |  | 326,351 |  |  | 9.00 |
Risk grade 10 | 5,047 |  |  | 24,596 |  |  | 53,834 |  |  | 18,244 |  |  | 15,912 |  |  | 11,330 |  |  | 1,723 |  |  | — |  |  | 130,686 |  |  | 10.00 |
Risk grade 11 | 5,177 |  |  | 8,854 |  |  | 37,368 |  |  | 24,337 |  |  | 21,975 |  |  | 91,719 |  |  | — |  |  | — |  |  | 189,430 |  |  | 11.00 |
Risk grade 12 | 328 |  |  | 15,965 |  |  | 3,027 |  |  | 5,152 |  |  | — |  |  | 1,411 |  |  | 2,593 |  |  | — |  |  | 28,476 |  |  | 12.00 |
Risk grade 13 | — |  |  | 4,150 |  |  | — |  |  | 222 |  |  | — |  |  | — |  |  | 244 |  |  | — |  |  | 4,616 |  |  | 13.00 |
| $ | 690,654 |  |  | $ | 1,490,259 |  |  | $ | 1,708,392 |  |  | $ | 1,234,202 |  |  | $ | 751,974 |  |  | $ | 1,296,706 |  |  | $ | 167,257 |  |  | $ | 158,223 |  |  | $ | 7,497,667 |  |  | 7.31 |
W/A risk grade | 7.21 |  |  | 7.31 |  |  | 7.39 |  |  | 7.34 |  |  | 7.17 |  |  | 7.18 |  |  | 8.02 |  |  | 7.53 |  |  | 7.31 |  |  |
Construction |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Risk grades 1-8 | $ | 247,162 |  |  | $ | 475,920 |  |  | $ | 575,573 |  |  | $ | 119,299 |  |  | $ | 28,003 |  |  | $ | 1,296 |  |  | $ | 149,756 |  |  | $ | 165 |  |  | $ | 1,597,174 |  |  | 7.32 |
Risk grade 9 | 90,634 |  |  | 5,282 |  |  | 26,585 |  |  | 118,546 |  |  | — |  |  | — |  |  | 5,650 |  |  | — |  |  | 246,697 |  |  | 9.00 |
Risk grade 10 | 13,601 |  |  | 34,842 |  |  | 13,513 |  |  | 49,088 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 111,044 |  |  | 10.00 |
Risk grade 11 | — |  |  | — |  |  | 31,500 |  |  | 11,130 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 42,630 |  |  | 11.00 |
Risk grade 12 | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 12.00 |
Risk grade 13 | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 13.00 |
| $ | 351,397 |  |  | $ | 516,044 |  |  | $ | 647,171 |  |  | $ | 298,063 |  |  | $ | 28,003 |  |  | $ | 1,296 |  |  | $ | 155,406 |  |  | $ | 165 |  |  | $ | 1,997,545 |  |  | 7.75 |
W/A risk grade | 7.68 |  |  | 7.54 |  |  | 7.83 |  |  | 8.70 |  |  | 2.53 |  |  | 6.81 |  |  | 7.46 |  |  | 6.98 |  |  | 7.75 |  |  |
Total commercial real estate | $ | 1,042,051 |  |  | $ | 2,006,303 |  |  | $ | 2,355,563 |  |  | $ | 1,532,265 |  |  | $ | 779,977 |  |  | $ | 1,298,002 |  |  | $ | 322,663 |  |  | $ | 158,388 |  |  | $ | 9,495,212 |  |  | 7.40 |
W/A risk grade | 7.36 |  |  | 7.37 |  |  | 7.51 |  |  | 7.61 |  |  | 7.00 |  |  | 7.18 |  |  | 7.75 |  |  | 7.53 |  |  | 7.40 |  |  |
Weighted Average Risk Grades for All Commercial Loans by Class | The following tables present weighted average risk grades for all commercial loans by class as of December 31, 2023. Refer to our 2023 Form 10-K for details of these loans by year of origination/renewal.
| Commercial and Industrial |  | Energy |  | Commercial Real Estate - Buildings, Land and Other |  | Commercial Real Estate - Construction |  | Total Commercial Real Estate
| W/A Risk Grade |  | Loans |  | W/A Risk Grade |  | Loans |  | W/A Risk Grade |  | Loans |  | W/A Risk Grade |  | Loans |  | W/A Risk Grade |  | Loans
Risk grades 1-8 | 6.32 |  |  | $ | 5,507,878 |  |  | 5.73 |  |  | $ | 871,221 |  |  | 7.03 |  |  | $ | 6,895,358 |  |  | 7.27 |  |  | $ | 1,526,086 |  |  | 7.07 |  |  | $ | 8,421,444 |
Risk grade 9 | 9.00 |  |  | 205,244 |  |  | 9.00 |  |  | 27,643 |  |  | 9.00 |  |  | 173,470 |  |  | 9.00 |  |  | 127,102 |  |  | 9.00 |  |  | 300,572 |
Risk grade 10 | 10.00 |  |  | 109,254 |  |  | 10.00 |  |  | 818 |  |  | 10.00 |  |  | 96,601 |  |  | 10.00 |  |  | 17,035 |  |  | 10.00 |  |  | 113,636 |
Risk grade 11 | 11.00 |  |  | 125,261 |  |  | 11.00 |  |  | 25,555 |  |  | 11.00 |  |  | 114,071 |  |  | 11.00 |  |  | 10,501 |  |  | 11.00 |  |  | 124,572 |
Risk grade 12 | 12.00 |  |  | 17,102 |  |  | 12.00 |  |  | 8,800 |  |  | 12.00 |  |  | 19,770 |  |  | 12.00 |  |  | — |  |  | 12.00 |  |  | 19,770 |
Risk grade 13 | 13.00 |  |  | 2,443 |  |  | 13.00 |  |  | 2,700 |  |  | 13.00 |  |  | 2,650 |  |  | 13.00 |  |  | — |  |  | 13.00 |  |  | 2,650 |
Total | 6.60 |  |  | $ | 5,967,182 |  |  | 6.05 |  |  | $ | 936,737 |  |  | 7.20 |  |  | $ | 7,301,920 |  |  | 7.45 |  |  | $ | 1,680,724 |  |  | 7.24 |  |  | $ | 8,982,644 |
Age analysis of Past Due Consumer Loans by Class and Year of Origination | Information about the payment status of consumer loans, segregated by portfolio segment and year of origination, as of June 30, 2024 was as follows:
| 2024 |  | 2023 |  | 2022 |  | 2021 |  | 2020 |  | Prior |  | Revolving Loans |  | Revolving Loans Converted to Term |  | Total
Consumer real estate: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Past due 30-89 days | $ | 158 |  |  | $ | 450 |  |  | $ | 1,396 |  |  | $ | 2,151 |  |  | $ | 1,005 |  |  | $ | 4,813 |  |  | $ | 7,284 |  |  | $ | 402 |  |  | $ | 17,659 |
Past due 90 or more days | — |  |  | 565 |  |  | 772 |  |  | 309 |  |  | 60 |  |  | 772 |  |  | 2,624 |  |  | 3,717 |  |  | 8,819 |
Total past due | 158 |  |  | 1,015 |  |  | 2,168 |  |  | 2,460 |  |  | 1,065 |  |  | 5,585 |  |  | 9,908 |  |  | 4,119 |  |  | 26,478 |
Current loans | 314,290 |  |  | 575,925 |  |  | 410,016 |  |  | 263,679 |  |  | 158,204 |  |  | 173,773 |  |  | 810,696 |  |  | 7,667 |  |  | 2,714,250 |
Total | $ | 314,448 |  |  | $ | 576,940 |  |  | $ | 412,184 |  |  | $ | 266,139 |  |  | $ | 159,269 |  |  | $ | 179,358 |  |  | $ | 820,604 |  |  | $ | 11,786 |  |  | $ | 2,740,728 |
Consumer and other: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Past due 30-89 days | $ | 2,429 |  |  | $ | 174 |  |  | $ | 231 |  |  | $ | 122 |  |  | $ | 118 |  |  | $ | 64 |  |  | $ | 2,559 |  |  | $ | 37 |  |  | $ | 5,734 |
Past due 90 or more days | 217 |  |  | — |  |  | 16 |  |  | 1 |  |  | — |  |  | — |  |  | 162 |  |  | 181 |  |  | 577 |
Total past due | 2,646 |  |  | 174 |  |  | 247 |  |  | 123 |  |  | 118 |  |  | 64 |  |  | 2,721 |  |  | 218 |  |  | 6,311 |
Current loans | 35,410 |  |  | 40,943 |  |  | 19,574 |  |  | 3,921 |  |  | 2,691 |  |  | 1,457 |  |  | 319,622 |  |  | 23,051 |  |  | 446,669 |
Total | $ | 38,056 |  |  | $ | 41,117 |  |  | $ | 19,821 |  |  | $ | 4,044 |  |  | $ | 2,809 |  |  | $ | 1,521 |  |  | $ | 322,343 |  |  | $ | 23,269 |  |  | $ | 452,980 |
Revolving Loans Converted to Term [Table Text Block] | Period-end balances for revolving loans that converted to term during the three and six months ended June 30, 2024 and 2023 were as follows:
| Three Months Ended June 30, |  | Six Months Ended June 30,
| 2024 |  | 2023 |  | 2024 |  | 2023
Commercial and industrial | $ | 10,557 |  |  | $ | 3,835 |  |  | $ | 24,813 |  |  | $ | 14,606 |
Energy | 604 |  |  | — |  |  | 646 |  |  | 2,567 |
Commercial real estate: |  |  |  |  |  |  |
Buildings, land and other | 65,642 |  |  | 5,944 |  |  | 66,238 |  |  | 5,944 |
Construction | 165 |  |  | — |  |  | 165 |  |  | — |
Consumer real estate | 971 |  |  | 1,064 |  |  | 1,703 |  |  | 1,743 |
Consumer and other | 3,541 |  |  | 1,669 |  |  | 6,094 |  |  | 3,671 |
Total | $ | 81,480 |  |  | $ | 12,512 |  |  | $ | 99,659 |  |  | $ | 28,531 |
Financing Receivable, Allowance for Credit Loss By Loan Class Calculated in Accordance With CECL Methodology | The following table presents details of the allowance for credit losses on loans segregated by loan portfolio segment as of June 30, 2024 and December 31, 2023.
June 30, 2024 | Commercial and Industrial |  | Energy |  | Commercial Real Estate |  | Consumer Real Estate |  | Consumer and Other |  | Total
Modeled expected credit losses | $ | 56,937 |  |  | $ | 3,841 |  |  | $ | 20,961 |  |  | $ | 14,508 |  |  | $ | 7,415 |  |  | $ | 103,662 |
Q-Factor and other qualitative adjustments | 15,589 |  |  | 4,944 |  |  | 114,443 |  |  | 508 |  |  | 3,126 |  |  | 138,610 |
Specific allocations | 6,028 |  |  | 2,700 |  |  | 4,616 |  |  | 691 |  |  | — |  |  | 14,035 |
Total | $ | 78,554 |  |  | $ | 11,485 |  |  | $ | 140,020 |  |  | $ | 15,707 |  |  | $ | 10,541 |  |  | $ | 256,307 |
December 31, 2023 |  |  |  |  |  |  |  |  |  |  |
Modeled expected credit losses | $ | 50,959 |  |  | $ | 7,838 |  |  | $ | 15,443 |  |  | $ | 12,364 |  |  | $ | 5,969 |  |  | $ | 92,573 |
Q-Factor and other qualitative adjustments | 20,612 |  |  | 7,276 |  |  | 112,505 |  |  | 433 |  |  | 4,071 |  |  | 144,897 |
Specific allocations | 2,435 |  |  | 2,700 |  |  | 2,650 |  |  | 741 |  |  | — |  |  | 8,526 |
Total | $ | 74,006 |  |  | $ | 17,814 |  |  | $ | 130,598 |  |  | $ | 13,538 |  |  | $ | 10,040 |  |  | $ | 245,996 |
Activity in Allowance for Loan Losses by Portfolio Segment | The following table details activity in the allowance for credit losses on loans by portfolio segment for the three and six months ended June 30, 2024 and 2023. Allocation of a portion of the allowance to one category of loans does not preclude its availability to absorb losses in other categories.
| Commercial and Industrial |  | Energy |  | Commercial Real Estate |  | Consumer Real Estate |  | Consumer and Other |  | Total
Three months ended: |  |  |  |  |  |  |  |  |  |  |
June 30, 2024 |  |  |  |  |  |  |  |  |  |  |
Beginning balance | $ | 75,596 |  |  | $ | 14,218 |  |  | $ | 138,224 |  |  | $ | 13,857 |  |  | $ | 8,402 |  |  | $ | 250,297 |
Credit loss expense (benefit) | 6,936 |  |  | (3,038) |  |  | 1,903 |  |  | 2,175 |  |  | 7,760 |  |  | 15,736 |
Charge-offs | (4,282) |  |  | (79) |  |  | (122) |  |  | (408) |  |  | (8,360) |  |  | (13,251) |
Recoveries | 304 |  |  | 384 |  |  | 15 |  |  | 83 |  |  | 2,739 |  |  | 3,525 |
Net (charge-offs) recoveries | (3,978) |  |  | 305 |  |  | (107) |  |  | (325) |  |  | (5,621) |  |  | (9,726) |
Ending balance | $ | 78,554 |  |  | $ | 11,485 |  |  | $ | 140,020 |  |  | $ | 15,707 |  |  | $ | 10,541 |  |  | $ | 256,307 |
June 30, 2023 |  |  |  |  |  |  |  |  |  |  |
Beginning balance | 78,465 |  |  | 19,191 |  |  | 115,693 |  |  | 9,708 |  |  | 8,457 |  |  | $ | 231,514 |
Credit loss expense (benefit) | 2,404 |  |  | (4,433) |  |  | 5,133 |  |  | 3,822 |  |  | 5,007 |  |  | 11,933 |
Charge-offs | (7,136) |  |  | (518) |  |  | — |  |  | (1,080) |  |  | (7,016) |  |  | (15,750) |
Recoveries | 1,433 |  |  | 689 |  |  | 100 |  |  | 585 |  |  | 3,115 |  |  | 5,922 |
Net (charge-offs) recoveries | (5,703) |  |  | 171 |  |  | 100 |  |  | (495) |  |  | (3,901) |  |  | (9,828) |
Ending balance | $ | 75,166 |  |  | $ | 14,929 |  |  | $ | 120,926 |  |  | $ | 13,035 |  |  | $ | 9,563 |  |  | $ | 233,619 |
Six months ended: |  |  |  |  |  |  |  |  |  |  |
June 30, 2024 |  |  |  |  |  |  |  |  |  |  |
Beginning balance | $ | 74,006 |  |  | $ | 17,814 |  |  | $ | 130,598 |  |  | $ | 13,538 |  |  | $ | 10,040 |  |  | $ | 245,996 |
Credit loss expense (benefit) | 8,928 |  |  | (6,814) |  |  | 9,513 |  |  | 3,981 |  |  | 11,778 |  |  | 27,386 |
Charge-offs | (6,426) |  |  | (79) |  |  | (122) |  |  | (2,077) |  |  | (16,617) |  |  | (25,321) |
Recoveries | 2,046 |  |  | 564 |  |  | 31 |  |  | 265 |  |  | 5,340 |  |  | 8,246 |
Net (charge-offs) recoveries | (4,380) |  |  | 485 |  |  | (91) |  |  | (1,812) |  |  | (11,277) |  |  | (17,075) |
Ending balance | $ | 78,554 |  |  | $ | 11,485 |  |  | $ | 140,020 |  |  | $ | 15,707 |  |  | $ | 10,541 |  |  | $ | 256,307 |
June 30, 2023 |  |  |  |  |  |  |  |  |  |  |
Beginning balance | 104,237 |  |  | 18,062 |  |  | 90,301 |  |  | 8,004 |  |  | 7,017 |  |  | $ | 227,621 |
Credit loss expense (benefit) | (18,280) |  |  | (3,467) |  |  | 30,494 |  |  | 5,105 |  |  | 10,756 |  |  | 24,608 |
Charge-offs | (13,316) |  |  | (518) |  |  | — |  |  | (1,330) |  |  | (13,958) |  |  | (29,122) |
Recoveries | 2,525 |  |  | 852 |  |  | 131 |  |  | 1,256 |  |  | 5,748 |  |  | 10,512 |
Net (charge-offs) recoveries | (10,791) |  |  | 334 |  |  | 131 |  |  | (74) |  |  | (8,210) |  |  | (18,610) |
Ending balance | $ | 75,166 |  |  | $ | 14,929 |  |  | $ | 120,926 |  |  | $ | 13,035 |  |  | $ | 9,563 |  |  | $ | 233,619 |
Financing Receivable, Gross Charge-Offs By Year of Origination | The following table presents year-to-date gross charge-offs by year of origination as of June 30, 2024.
| 2024 |  | 2023 |  | 2022 |  | 2021 |  | 2020 |  | Prior |  | Revolving Loans |  | Revolving Loans Converted to Term |  | Total
Commercial and industrial | $ | — |  |  | $ | 471 |  |  | $ | 676 |  |  | $ | 467 |  |  | $ | 401 |  |  | $ | 625 |  |  | $ | 2,902 |  |  | $ | 884 |  |  | $ | 6,426 |
Energy | — |  |  | 79 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 79 |
Commercial real estate: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Buildings, land and other | — |  |  | — |  |  | 122 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 122 |
Construction | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Consumer real estate | — |  |  | — |  |  | 148 |  |  | 253 |  |  | — |  |  | 384 |  |  | 1,225 |  |  | 67 |  |  | 2,077 |
Consumer and other | 9,369 |  |  | 5,713 |  |  | 131 |  |  | 4 |  |  | 4 |  |  | 51 |  |  | 1,332 |  |  | 13 |  |  | 16,617 |
Total | $ | 9,369 |  |  | $ | 6,263 |  |  | $ | 1,077 |  |  | $ | 724 |  |  | $ | 405 |  |  | $ | 1,060 |  |  | $ | 5,459 |  |  | $ | 964 |  |  | $ | 25,321 |
Investment in Loans Related to Allowance for Loan Losses by Portfolio Segment Disaggregated Based on Impairment Methodology | The following table presents loans that were evaluated for expected credit losses on an individual basis and the related specific allocations, by loan portfolio segment, as of June 30, 2024 and December 31, 2023.
| June 30, 2024 |  | December 31, 2023
Loan Balance |  | Specific Allocations |  | Loan Balance |  | Specific Allocations
Commercial and industrial | $ | 25,508 |  |  | $ | 6,028 |  |  | $ | 18,670 |  |  | $ | 2,435 |
Energy | 9,001 |  |  | 2,700 |  |  | 11,353 |  |  | 2,700 |
Commercial real estate: |  |  |  |  |  |  |
Buildings, land and other | 32,316 |  |  | 4,616 |  |  | 21,373 |  |  | 2,650 |
Construction | — |  |  | — |  |  | — |  |  | — |
Consumer real estate | 5,807 |  |  | 691 |  |  | 7,235 |  |  | 741 |
Consumer and other | — |  |  | — |  |  | — |  |  | — |
Total | $ | 72,632 |  |  | $ | 14,035 |  |  | $ | 58,631 |  |  | $ | 8,526 |

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