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Allowance for Credit Losses (Tables)
 6 Months Ended
Jun. 30, 2023
Receivables [Abstract]  
Activity In The Non-Covered Allowance For Loan And Lease Losses
The following tables summarize activity related to the allowance for credit losses by portfolio segment for the periods indicated:
Three Months Ended June 30, 2023
(in thousands)Commercial Real EstateCommercialResidentialConsumer & OtherTotal
Allowance for credit losses on loans and leases
Balance, beginning of period$111,090 $239,146 $60,613 $6,615 $417,464 
Provision for credit losses for loans and leases 7,829 30 5,269 2,088 15,216 
Charge-offs(174)(32,036)(4)(1,264)(33,478)
Recoveries209 4,511 63 618 5,401 
Net recoveries (charge-offs)35 (27,525)59 (646)(28,077)
Balance, end of period$118,954 $211,651 $65,941 $8,057 $404,603 
Reserve for unfunded commitments
Balance, beginning of period$8,405 $6,381 $3,320 $923 $19,029 
Provision (recapture) for credit losses on unfunded commitments1,595 (560)(302)65 798 
Balance, end of period10,000 5,821 3,018 988 19,827 
Total allowance for credit losses$128,954 $217,472 $68,959 $9,045 $424,430 
Six Months Ended June 30, 2023
(in thousands)Commercial Real EstateCommercialResidentialConsumer & OtherTotal
Allowance for credit losses on loans and leases
Balance, beginning of period$77,813 $167,135 $50,329 $5,858 $301,135 
Initial ACL on PCD loans acquired during the period8,736 17,204 454 98 26,492 
Provision for credit losses for loans and leases (1)
32,312 71,027 15,224 3,151 121,714 
Charge-offs(174)(51,284)(252)(2,037)(53,747)
Recoveries267 7,569 186 987 9,009 
Net recoveries (charge-offs)93 (43,715)(66)(1,050)(44,738)
Balance, end of period$118,954 $211,651 $65,941 $8,057 $404,603 
Reserve for unfunded commitments
Balance, beginning of period$7,207 $3,049 $3,196 $769 $14,221 
Initial ACL recorded for unfunded commitments acquired during the period2,257 3,066 268 176 5,767 
Provision (recapture) for credit losses on unfunded commitments536 (294)(446)43 (161)
Balance, end of period10,000 5,821 3,018 988 19,827 
Total allowance for credit losses$128,954 $217,472 $68,959 $9,045 $424,430 
(1) Includes $88.4 million initial provision related to non-PCD loans acquired during the first quarter of 2023.
Three Months Ended June 30, 2022
(in thousands)Commercial Real EstateCommercialResidentialConsumer & OtherTotal
Allowance for credit losses on loans and leases
Balance, beginning of period$91,638 $121,072 $31,946 $3,908 $248,564 
(Recapture) provision for credit losses for loans and leases(2,720)16,484 4,424 599 18,787 
Charge-offs(8)(9,035)— (836)(9,879)
Recoveries 73 2,934 216 416 3,639 
Net recoveries (charge-offs)65 (6,101)216 (420)(6,240)
Balance, end of period$88,983 $131,455 $36,586 $4,087 $261,111 
Reserve for unfunded commitments
Balance, beginning of period$8,738 $1,620 $2,193 $367 $12,918 
(Recapture) provision for credit losses on unfunded commitments(1,387)612 542 138 (95)
Balance, end of period7,351 2,232 2,735 505 12,823 
Total allowance for credit losses$96,334 $133,687 $39,321 $4,592 $273,934 
Six Months Ended June 30, 2022
(in thousands)Commercial Real EstateCommercialResidentialConsumer & OtherTotal
Allowance for credit losses on loans and leases
Balance, beginning of period$99,075 $117,573 $29,068 $2,696 $248,412 
(Recapture) provision for credit losses for loans and leases(10,182)25,296 7,296 2,073 24,483 
Charge-offs(8)(16,893)(167)(1,721)(18,789)
Recoveries98 5,479 389 1,039 7,005 
Net recoveries (charge-offs)90 (11,414)222 (682)(11,784)
Balance, end of period$88,983 $131,455 $36,586 $4,087 $261,111 
Reserve for unfunded commitments
Balance, beginning of period$8,461 $2,028 $1,957 $321 $12,767 
(Recapture) provision for credit losses on unfunded commitments(1,110)204 778 184 56 
Balance, end of period7,351 2,232 2,735 505 12,823 
Total allowance for credit losses$96,334 $133,687 $39,321 $4,592 $273,934 
Loans and Leases Past Due and Non-Accrual Loans and Leases
The following tables present the carrying value of the loans and leases past due, by loan and lease class, as of the dates presented:
June 30, 2023
(in thousands)Greater than 30 to 59 Days Past Due60 to 89 Days Past Due 90 Days or More and AccruingTotal Past Due
Non-Accrual (1)
CurrentTotal Loans and Leases
Commercial real estate
Non-owner occupied term, net$1,397 $4,682 $70 $6,149 $3,689 $6,424,835 $6,434,673 
Owner occupied term, net4,434 446 114 4,994 7,305 5,242,102 5,254,401 
Multifamily, net— — — — — 5,622,875 5,622,875 
Construction & development, net— — — — — 1,528,924 1,528,924 
Residential development, net— — — — — 388,641 388,641 
Commercial
Term, net1,584 2,073 13 3,670 11,695 5,434,422 5,449,787 
Lines of credit & other, net7,184 510 71 7,765 1,664 2,259,361 2,268,790 
Leases & equipment finance, net15,655 19,316 7,636 42,607 25,957 1,671,473 1,740,037 
Residential
Mortgage, net (2)
847 8,504 19,525 28,876 — 6,244,022 6,272,898 
Home equity loans & lines, net4,115 1,414 3,412 8,941 — 1,890,017 1,898,958 
Consumer & other, net970 245 399 1,614 — 187,701 189,315 
Total, net of deferred fees and costs$36,186 $37,190 $31,240 $104,616 $50,310 $36,894,373 $37,049,299 
(1) Loans and leases on non-accrual with an amortized cost basis of $50.3 million had a related allowance for credit losses of $25.9 million at June 30, 2023.
(2) Includes government guaranteed mortgage loans that the Bank has the right but not the obligation to repurchase that are past due 90 days or more, totaling $1.6 million at June 30, 2023.
December 31, 2022
(in thousands)Greater than 30 to 59 Days Past Due60 to 89 Days Past Due90 Days or More and AccruingTotal Past Due
Non-Accrual (1)
Current and OtherTotal Loans and Leases
Commercial real estate
Non-owner occupied term, net$811 $538 $— $1,349 $2,963 $3,890,528 $3,894,840 
Owner occupied term, net168 50 1 219 2,048 2,565,494 2,567,761 
Multifamily, net— — — — — 5,285,791 5,285,791 
Construction & development, net— — — — — 1,077,346 1,077,346 
Residential development, net— — — — — 200,838 200,838 
Commercial
Term, net1,241 1,489 19 2,749 5,303 3,021,495 3,029,547 
Lines of credit & other, net514 419 4 937 — 959,117 960,054 
Leases & equipment finance, net19,929 23,288 7,886 51,103 20,388 1,634,681 1,706,172 
Residential
Mortgage, net (2)
847 10,619 24,943 36,409 — 5,610,626 5,647,035 
Home equity loans & lines, net2,808 1,526 1,569 5,903 — 1,626,062 1,631,965 
Consumer & other, net446 200 134 780 — 153,852 154,632 
Total, net of deferred fees and costs$26,764 $38,129 $34,556 $99,449 $30,702 $26,025,830 $26,155,981 
(1) Loans and leases on non-accrual with an amortized cost basis of $30.7 million had a related allowance for credit losses of $17.5 million at December 31, 2022.
(2) Includes government guaranteed mortgage loans the Bank has the right but not the obligation to repurchase that are past due 90 days or more, totaling $6.6 million at December 31, 2022.
Collateral Dependent Loans and Leases The following table summarizes the amortized cost basis of the collateral dependent loans and leases by the type of collateral securing the assets as of June 30, 2023:
(in thousands)Residential Real EstateCommercial Real Estate General Business AssetsOtherTotal
Commercial real estate
  Non-owner occupied term, net$— $3,497 $— $— $3,497 
  Owner occupied term, net— 5,405 — — 5,405 
Commercial
   Term, net2,261 668 5,581 311 8,821 
   Line of credit & other, net— — 1,096 — 1,096 
   Leases & equipment finance, net— — 25,957 — 25,957 
Residential
   Mortgage, net47,315 — — — 47,315 
   Home equity loans & lines, net3,022 — — — 3,022 
Total, net of deferred fees and costs$52,598 $9,570 $32,634 $311 $95,113 
Schedule Of Troubled Debt Restructurings
The following table presents the amortized cost basis of loans at June 30, 2023 that were both experiencing financial difficulty and modified during the three and six months ended June 30, 2023, by class and type of modification. The percentage of the amortized cost basis of loans that were modified to borrowers in financial distress as compared to the amortized cost basis of each class of financing receivable is also presented below.
Three Months Ended June 30, 2023
(in thousands)Interest Rate ReductionTerm ExtensionOther -Than-Insignificant Payment DelayCombination - Interest Rate Reduction and Term ExtensionCombination - Term Extension and Other-than-Insignificant Payment Delay% of total class of financing receivable
Commercial real estate
  Owner occupied term, net$976 $— $— — $— 0.02 %
Commercial
  Term, net377 — — — — 0.01 %
  Lines of credit & other, net— 1,850 — — — 0.08 %
  Leases & equipment finance, net— 194 — — — 0.01 %
Residential
  Mortgage, net— 454 13,348 — 1,261 0.24 %
Total loans and leases experiencing financial difficulty$1,353 $2,498 $13,348 $— $1,261 0.05 %
Six Months Ended June 30, 2023
(in thousands)Interest Rate ReductionTerm ExtensionOther -Than-Insignificant Payment DelayCombination - Interest Rate Reduction and Term ExtensionCombination - Term Extension and Other-than-Insignificant Payment Delay% of total class of financing receivable
Commercial real estate
  Owner occupied term, net$976 $— $— $— $— 0.02 %
Commercial
  Term, net377 — — — — 0.01 %
  Lines of credit & other, net— 2,945 — — — 0.13 %
  Leases & equipment finance, net— 603 — — — 0.03 %
Residential
  Mortgage, net— 454 22,017 — 2,934 0.40 %
  Home equity loans & lines, net— — — 244 — 0.01 %
Total loans and leases experiencing financial difficulty$1,353 $4,002 $22,017 $244 $2,934 0.08 %
Three Months Ended June 30, 2023
Type of ModificationLoan TypeFinancial Effect
Term extensionLines of credit & other, net
Added a weighted average 6 months to the life of the loans, which reduced monthly payments for the borrowers
Term extensionLeases & equipment finance, net
Added a weighted average of 10 months to the life of the loans, which reduced monthly payments for the borrowers
Term extensionMortgage, net
Added a weighted average 6.4 years to the life of the loans, which reduced monthly payments for the borrowers
Interest Rate ReductionOwner occupied term, net
Reduced weighted average interest rate by 2.41%
Interest Rate ReductionTerm, net
Reduced weighted average interest rate by 4.50%
Other-than-insignificant payment delayMortgage, net
Deferred $916,000 of principal and interest payments
Combination - Term Extension and Other-than-Insignificant Payment DelayMortgage, net
Added a weighted average 13.9 years and deferred $37,000 of principal and interest payments
Six Months Ended June 30, 2023
Type of ModificationLoan TypeFinancial Effect
Term extensionLines of credit & other, net
Added a weighted average of 8 months to the life of the loans, which reduced monthly payments for the borrowers
Term extensionLeases & equipment finance, net
Added a weighted average of 9 months to the life of the loans, which reduced monthly payments for the borrowers
Term extensionMortgage, net
Added a weighted average 6.4 years to the life of the loans, which reduced monthly payments for the borrowers
Interest Rate ReductionOwner occupied term, net
Reduced weighted average interest rate by 2.41%
Interest Rate ReductionTerm, net
Reduced weighted average interest rate by 4.50%
Other-than-insignificant payment delayMortgage, net
Deferred $1.2 million of principal and interest payments
Combination - Interest Rate Reduction and Term ExtensionHome equity loans & lines, net
Added a weighted average 6.9 years to the life of the loan and decreased the weighted average interest rate by 3.44%
Combination - Term Extension and Other-than-Insignificant Payment DelayMortgage, net
Added a weighted average 13.4 years and deferred $156,000 of principal and interest payments
The Company closely monitors the performance of loans that are modified for borrowers experiencing financial difficulty to understand the effectiveness of its modification efforts. The following tables presents the performance of such loans that have been modified for the three and six months ended June 30, 2023:
Three Months Ended June 30, 2023
Loan TypeCurrentGreater than 30 to 59 Days Past Due60 to 89 Days Past Due90 Days or Greater Past DueNonaccrual
(in thousands)
Commercial real estate
Owner occupied term, net$— $— $— $— $976 
Commercial
Term, net— — — — 377 
Lines of credit & other, net1,850 — — — — 
Leases & equipment finance, net194 — — — — 
Residential
Mortgage, net15,063 — — — — 
Total loans and leases, net of deferred fees and costs$17,107 $— $— $— $1,353 

Six Months Ended June 30, 2023
Loan TypeCurrentGreater than 30 to 59 Days Past Due60 to 89 Days Past Due90 Days or Greater Past DueNonaccrual
(in thousands)
Commercial real estate
Owner occupied term, net$— $— $— $— $976 
Commercial
Term, net— — — — 377 
Lines of credit & other, net2,946 — — — — 
Leases & equipment finance, net492 111 — — — 
Residential
Mortgage, net25,404 — — — — 
Home equity loans & lines, net244 — — — — 
Total loans and leases, net of deferred fees and costs$29,086 $111 $— $— $1,353 
Internal Risk Rating By Loan Class The following tables represent the amortized costs basis of the loans and leases by credit classification and vintage year by loan and lease class of financing receivable as of the dates presented:
(in thousands)Term Loans Amortized Cost Basis by Origination YearRevolving Loans Amortized Cost Basis
Revolving to Non-Revolving Loans Amortized Cost (1)
June 30, 202320232022202120202019PriorTotal
Commercial real estate:
Non-owner occupied term, net
Credit quality indicator:
Pass/Watch$336,633 $1,278,387 $1,176,613 $630,380 $794,584 $2,036,213 $54,442 $— $6,307,252 
Special mention— 300 3,402 1,348 331 13,550 — — 18,931 
Substandard— 451 — 1,474 19,548 86,899 — — 108,372 
Doubtful— — — — — 104 — — 104 
Loss— — — — — 14 — — 14 
Total non-owner occupied term, net$336,633 $1,279,138 $1,180,015 $633,202 $814,463 $2,136,780 $54,442 $— $6,434,673 
Current YTD period:
Gross charge-offs— — — — — — — — — 
Owner occupied term, net
Credit quality indicator:
Pass/Watch$291,022 $1,179,663 $1,017,833 $471,328 $605,553 $1,466,399 $62,557 $— $5,094,355 
Special mention308 5,509 26,286 4,213 19,030 20,960 — — 76,306 
Substandard4,268 2,314 29,945 19,010 11,079 15,483 — — 82,099 
Doubtful— — — — 512 113 — — 625 
Loss— — — — 1,016 — — — 1,016 
Total owner occupied term, net$295,598 $1,187,486 $1,074,064 $494,551 $637,190 $1,502,955 $62,557 $— $5,254,401 
Current YTD period:
Gross charge-offs— — — — — 174 — — 174 
Multifamily, net
Credit quality indicator:
Pass/Watch$128,249 $2,024,162 $1,614,270 $409,511 $605,623 $790,421 $45,689 $— $5,617,925 
Special mention— — 1,291 — — 2,093 — — 3,384 
Substandard— — — — — 1,566 — — 1,566 
Total multifamily, net$128,249 $2,024,162 $1,615,561 $409,511 $605,623 $794,080 $45,689 $— $5,622,875 
Current YTD period:
Gross charge-offs— — — — — — — — — 
Construction & development, net
Credit quality indicator:
Pass/Watch$108,443 $479,471 $680,992 $177,302 $29,537 $34,665 $18,159 $— $1,528,569 
Substandard— — — — — 355 — — 355 
Total construction & development, net$108,443 $479,471 $680,992 $177,302 $29,537 $35,020 $18,159 $— $1,528,924 
Current YTD period:
Gross charge-offs— — — — — — — — — 
(in thousands)Term Loans Amortized Cost Basis by Origination YearRevolving Loans Amortized Cost Basis
Revolving to Non-Revolving Loans Amortized Cost (1)
June 30, 202320232022202120202019PriorTotal
Residential development, net
Credit quality indicator:
Pass/Watch$30,666 $119,700 $36,369 $1,582 $— $1,673 $198,300 $351 $388,641 
Total residential development, net$30,666 $119,700 $36,369 $1,582 $— $1,673 $198,300 $351 $388,641 
Current YTD period:
Gross charge-offs— — — — — — — — — 
Total commercial real estate$899,589 $5,089,957 $4,587,001 $1,716,148 $2,086,813 $4,470,508 $379,147 $351 $19,229,514 
Commercial:
Term, net
Credit quality indicator:
Pass/Watch$375,635 $1,340,101 $1,087,353 $437,613 $303,523 $668,423 $975,515 $51,724 $5,239,887 
Special mention14,904 21,887 55,126 74 6,220 10,275 119 — 108,605 
Substandard377 5,050 9,395 4,197 9,324 11,628 52,014 4,629 96,614 
Doubtful— 1,701 — 657 — 1,020 — — 3,378 
Loss— — — — — 1,303 — — 1,303 
Total term, net$390,916 $1,368,739 $1,151,874 $442,541 $319,067 $692,649 $1,027,648 $56,353 $5,449,787 
Current YTD period:
Gross charge-offs— 466 — — 324 452 — 808 2,050 
Lines of credit & other, net
Credit quality indicator:
Pass/Watch$49,809 $134,400 $58,904 $14,065 $22,546 $16,114 $1,816,563 $4,802 $2,117,203 
Special mention2,499 2,508 469 131 94 239 51,547 90 57,577 
Substandard220 17,347 — — 75 761 73,700 1,029 93,132 
Doubtful— — — 70 5 — 601 — 676 
Loss— — 200 — 1 1 — — 202 
Total lines of credit & other, net$52,528 $154,255 $59,573 $14,266 $22,721 $17,115 $1,942,411 $5,921 $2,268,790 
Current YTD period:
Gross charge-offs— — — — 23 — 767 884 1,674 
Leases & equipment finance, net
Credit quality indicator:
Pass/Watch$427,386 $641,280 $277,502 $136,698 $103,134 $62,981 $— $— $1,648,981 
Special mention842 9,764 6,276 1,351 1,195 425 — — 19,853 
Substandard1,549 14,958 6,145 2,652 2,040 870 — — 28,214 
Doubtful801 20,113 11,967 3,973 2,533 530 — — 39,917 
Loss54 2,108 478 120 297 15 — — 3,072 
Total leases & equipment finance, net$430,632 $688,223 $302,368 $144,794 $109,199 $64,821 $— $— $1,740,037 
Current YTD period:
Gross charge-offs— 18,554 17,632 5,169 3,797 2,408 — — 47,560 
Total commercial$874,076 $2,211,217 $1,513,815 $601,601 $450,987 $774,585 $2,970,059 $62,274 $9,458,614 
(in thousands)Term Loans Amortized Cost Basis by Origination YearRevolving Loans Amortized Cost Basis
Revolving to Non-Revolving Loans Amortized Cost (1)
June 30, 202320232022202120202019PriorTotal
Residential:
Mortgage, net
Credit quality indicator:
Pass/Watch$79,686 $1,777,686 $2,569,770 $560,093 $464,264 $794,090 $— $— $6,245,589 
Special mention— 1,546 1,700 1,228 781 4,096 — — 9,351 
Substandard— 148 1,111 1,132 1,837 9,072 — — 13,300 
Loss— 817 726 729 1,227 1,159 — — 4,658 
Total mortgage, net$79,686 $1,780,197 $2,573,307 $563,182 $468,109 $808,417 $— $— $6,272,898 
Current YTD period:
Gross charge-offs— — — — — — — — — 
Home equity loans & lines, net
Credit quality indicator:
Pass/Watch$646 $1,590 $1,186 $153 $1,212 $40,131 $1,837,052 $8,048 $1,890,018 
Special mention— — — — 264 1,116 3,879 269 5,528 
Substandard— — — — — 173 1,231 273 1,677 
Loss— — — — 21 160 1,242 312 1,735 
Total home equity loans & lines, net$646 $1,590 $1,186 $153 $1,497 $41,580 $1,843,404 $8,902 $1,898,958 
Current YTD period:
Gross charge-offs— — — — — 4 248 — 252 
Total residential$80,332 $1,781,787 $2,574,493 $563,335 $469,606 $849,997 $1,843,404 $8,902 $8,171,856 
Consumer & other, net:
Credit quality indicator:
Pass/Watch$26,323 $19,705 $8,792 $6,232 $4,810 $6,952 $114,640 $246 $187,700 
Special mention18 144 43 7 13 186 741 64 1,216 
Substandard— — — 1 — 39 276 74 390 
Loss— — — — — 7 2 — 9 
Total consumer & other, net$26,341 $19,849 $8,835 $6,240 $4,823 $7,184 $115,659 $384 $189,315 
Current YTD period:
Gross charge-offs1,314 58 16 3 17 90 338 201 2,037 
Grand total$1,880,338 $9,102,810 $8,684,144 $2,887,324 $3,012,229 $6,102,274 $5,308,269 $71,911 $37,049,299 

(1) Loans included in the Revolving to Non-Revolving Loans Amortized Cost Basis column include loans converted from Revolving to Non-Revolving in the current year/period presented. Loans converted from Revolving to Non-Revolving in prior years are presented in the corresponding vintage column based on origination date.
(in thousands)Term Loans Amortized Cost Basis by Origination YearRevolving Loans Amortized Cost BasisRevolving to Non-Revolving Loans Amortized Cost
December 31, 202220222021202020192018PriorTotal
Commercial real estate:
Non-owner occupied term, net
Credit quality indicator:
Pass/Watch$726,865 $746,833 $389,476 $590,571 $404,905 $968,254 $4,327 $4,442 $3,835,673 
Special mention1,185 — 1,482 4,597 4,002 4,603 — — 15,869 
Substandard452 — — 311 34,393 8,129 — — 43,285 
Loss— — — — — 13 — — 13 
Total non-owner occupied term, net$728,502 $746,833 $390,958 $595,479 $443,300 $980,999 $4,327 $4,442 $3,894,840 
Owner occupied term, net
Credit quality indicator:
Pass/Watch$660,479 $544,011 $183,996 $307,944 $211,539 $585,740 $4,552 $117 $2,498,378 
Special mention2,091 20,328 239 3,279 9,527 19,562 — — 55,026 
Substandard— — 404 660 1,356 11,833 — — 14,253 
Loss— — — — — 104 — — 104 
Total owner occupied term, net$662,570 $564,339 $184,639 $311,883 $222,422 $617,239 $4,552 $117 $2,567,761 
Multifamily, net
Credit quality indicator:
Pass/Watch$1,944,714 $1,556,986 $364,306 $618,523 $219,260 $496,628 $82,467 $2,907 $5,285,791 
Total multifamily, net$1,944,714 $1,556,986 $364,306 $618,523 $219,260 $496,628 $82,467 $2,907 $5,285,791 
Construction & development, net
Credit quality indicator:
Pass/Watch$248,437 $505,680 $205,577 $83,808 $— $18,183 $2,393 $— $1,064,078 
Special mention— 13,268 — — — — — — 13,268 
Total construction & development, net$248,437 $518,948 $205,577 $83,808 $— $18,183 $2,393 $— $1,077,346 
Residential development, net
Credit quality indicator:
Pass/Watch$38,662 $20,609 $417 $— $— $— $141,150 $— $200,838 
Total residential development, net$38,662 $20,609 $417 $— $— $— $141,150 $— $200,838 
Total commercial real estate$3,622,885 $3,407,715 $1,145,897 $1,609,693 $884,982 $2,113,049 $234,889 $7,466 $13,026,576 
(in thousands)Term Loans Amortized Cost Basis by Origination YearRevolving Loans Amortized Cost BasisRevolving to Non-Revolving Loans Amortized Cost
December 31, 202220222021202020192018PriorTotal
Commercial:
Term, net
Credit quality indicator:
Pass/Watch$792,764 $643,930 $174,188 $156,068 $130,309 $278,695 $744,193 $44,033 $2,964,180 
Special mention— 1,138 3 100 1,488 935 — 411 4,075 
Substandard16,424 1,403 1,362 1,358 10,619 2,211 27,240 — 60,617 
Doubtful— — 675 — — — — — 675 
Total term, net$809,188 $646,471 $176,228 $157,526 $142,416 $281,841 $771,433 $44,444 $3,029,547 
Lines of credit & other, net
Credit quality indicator:
Pass/Watch$57,715 $6,271 $4,660 $13,304 $8,653 $1,257 $813,110 $36,573 $941,543 
Special mention— — — — — — 5,833 1,933 7,766 
Substandard— 314 — — — 1,102 6,031 3,294 10,741 
Doubtful— — — — — — — 1 1 
Loss— — — — — — 3 — 3 
Total lines of credit & other, net$57,715 $6,585 $4,660 $13,304 $8,653 $2,359 $824,977 $41,801 $960,054 
Leases & equipment finance, net
Credit quality indicator:
Pass/Watch$812,537 $362,612 $190,507 $149,667 $62,292 $40,328 $— $— $1,617,943 
Special mention9,840 8,403 2,902 2,423 665 182 — — 24,415 
Substandard11,531 8,165 3,452 2,697 1,477 177 — — 27,499 
Doubtful11,822 13,034 4,326 3,419 1,211 197 — — 34,009 
Loss1,243 505 275 236 28 19 — — 2,306 
Total leases & equipment finance, net$846,973 $392,719 $201,462 $158,442 $65,673 $40,903 $— $— $1,706,172 
Total commercial$1,713,876 $1,045,775 $382,350 $329,272 $216,742 $325,103 $1,596,410 $86,245 $5,695,773 
Residential:
Mortgage, net
Credit quality indicator:
Pass/Watch$1,465,067 $2,389,861 $485,576 $471,416 $143,611 $661,715 $— $— $5,617,246 
Special mention307 1,351 1,203 2,365 752 5,487 — — 11,465 
Substandard— 1,664 1,041 2,693 2,015 9,907 — — 17,320 
Loss— 561 — 193 193 57 — — 1,004 
Total mortgage, net$1,465,374 $2,393,437 $487,820 $476,667 $146,571 $677,166 $— $— $5,647,035 
Home equity loans & lines, net
Credit quality indicator:
Pass/Watch$1,117 $630 $— $— $16 $7,320 $1,584,200 $32,778 $1,626,061 
Special mention— — — — — 79 3,208 1,047 4,334 
Substandard— — — — — 53 557 154 764 
Loss— — — — — — 357 449 806 
Total home equity loans & lines, net$1,117 $630 $— $— $16 $7,452 $1,588,322 $34,428 $1,631,965 
Total residential$1,466,491 $2,394,067 $487,820 $476,667 $146,587 $684,618 $1,588,322 $34,428 $7,279,000 
(in thousands)Term Loans Amortized Cost Basis by Origination YearRevolving Loans Amortized Cost BasisRevolving to Non-Revolving Loans Amortized Cost
December 31, 202220222021202020192018PriorTotal
Consumer & other, net:
Credit quality indicator:
Pass/Watch$22,959 $7,990 $6,701 $6,232 $2,626 $4,436 $102,465 $442 $153,851 
Special mention6 — 27 14 42 66 371 122 648 
Substandard— 9 1 9 — 32 47 25 123 
Loss— — — — — 7 3 — 10 
Total consumer & other, net$22,965 $7,999 $6,729 $6,255 $2,668 $4,541 $102,886 $589 $154,632 
Grand total$6,826,217 $6,855,556 $2,022,796 $2,421,887 $1,250,979 $3,127,311 $3,522,507 $128,728 $26,155,981