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Allowance for Credit Losses (Tables) | 12 Months Ended
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Dec. 31, 2023
Receivables [Abstract] |
Activity In The Non-Covered Allowance For Loan And Lease Losses | The following tables summarize activity related to the ACL by portfolio segment for the periods indicated:
|  | Year Ended December 31, 2023
(in thousands) |  | Commercial Real Estate |  | Commercial |  | Residential |  | Consumer & Other |  | Total
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 period |  | 8,736 |  |  | 17,204 |  |  | 454 |  |  | 98 |  |  | 26,492 |
Provision for credit losses for loans and leases (1) |  | 39,809 |  |  | 153,460 |  |  | 10,645 |  |  | 6,065 |  |  | 209,979 |
Charge-offs |  | (803) |  |  | (109,862) |  |  | (547) |  |  | (5,762) |  |  | (116,974) |
Recoveries |  | 333 |  |  | 16,884 |  |  | 1,123 |  |  | 1,899 |  |  | 20,239 |
Net (charge-offs) recoveries |  | (470) |  |  | (92,978) |  |  | 576 |  |  | (3,863) |  |  | (96,735) |
Balance, end of period |  | $ | 125,888 |  |  | $ | 244,821 |  |  | $ | 62,004 |  |  | $ | 8,158 |  |  | $ | 440,871 |
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 period |  | 2,257 |  |  | 3,066 |  |  | 268 |  |  | 176 |  |  | 5,767 |
Provision (recapture) for credit losses on unfunded commitments |  | 1,706 |  |  | 1,726 |  |  | (524) |  |  | 312 |  |  | 3,220 |
Balance, end of period |  | 11,170 |  |  | 7,841 |  |  | 2,940 |  |  | 1,257 |  |  | 23,208 |
Total allowance for credit losses |  | $ | 137,058 |  |  | $ | 252,662 |  |  | $ | 64,944 |  |  | $ | 9,415 |  |  | $ | 464,079 |
(1) Includes $88.4 million initial provision related to non-PCD loans acquired during the first quarter of 2023.
|  | Year Ended December 31, 2022
(in thousands) |  | Commercial Real Estate |  | Commercial |  | Residential |  | Consumer & Other |  | Total
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 |  | (21,510) |  |  | 79,606 |  |  | 20,823 |  |  | 4,686 |  |  | 83,605 |
Charge-offs |  | (136) |  |  | (41,073) |  |  | (224) |  |  | (3,556) |  |  | (44,989) |
Recoveries |  | 384 |  |  | 11,029 |  |  | 662 |  |  | 2,032 |  |  | 14,107 |
Net recoveries (charge-offs) |  | 248 |  |  | (30,044) |  |  | 438 |  |  | (1,524) |  |  | (30,882) |
Balance, end of period |  | $ | 77,813 |  |  | $ | 167,135 |  |  | $ | 50,329 |  |  | $ | 5,858 |  |  | $ | 301,135 |
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 |  | (1,254) |  |  | 1,021 |  |  | 1,239 |  |  | 448 |  |  | 1,454 |
Balance, end of period |  | 7,207 |  |  | 3,049 |  |  | 3,196 |  |  | 769 |  |  | 14,221 |
Total allowance for credit losses |  | $ | 85,020 |  |  | $ | 170,184 |  |  | $ | 53,525 |  |  | $ | 6,627 |  |  | $ | 315,356 |
Non-Covered Non-Accrual Loans And Loans Past Due | December 31, 2023 and 2022:
| December 31, 2023
(in thousands) | Greater than 30 to 59 Days Past Due |  | 60 to 89 Days Past Due |  | 90 Days or More and Accruing |  | Total Past Due |  | Non-Accrual |  | Current and Other |  | Total Loans and Leases
Commercial real estate |  |  |  |  |  |  |  |  |  |  |  |  |
Non-owner occupied term, net | $ | 1,270 |  |  | $ | 3,312 |  |  | $ | 437 |  |  | $ | 5,019 |  |  | $ | 4,359 |  |  | $ | 6,473,562 |  |  | $ | 6,482,940 |
Owner occupied term, net | 3,078 |  |  | 2,191 |  |  | 433 |  |  | 5,702 |  |  | 24,330 |  |  | 5,165,573 |  |  | 5,195,605 |
Multifamily, net | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 5,704,734 |  |  | 5,704,734 |
Construction & development, net | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 1,747,302 |  |  | 1,747,302 |
Residential development, net | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 323,899 |  |  | 323,899 |
Commercial |  |  |  |  |  |  |  |  |  |  |  |  |
Term, net | 6,341 |  |  | 2,101 |  |  | 202 |  |  | 8,644 |  |  | 14,519 |  |  | 5,513,602 |  |  | 5,536,765 |
Lines of credit & other, net | 1,647 |  |  | 1,137 |  |  | 66 |  |  | 2,850 |  |  | 2,760 |  |  | 2,424,517 |  |  | 2,430,127 |
Leases & equipment finance, net | 22,217 |  |  | 24,178 |  |  | 7,965 |  |  | 54,360 |  |  | 28,403 |  |  | 1,646,749 |  |  | 1,729,512 |
Residential |  |  |  |  |  |  |  |  |  |  |  |  |
Mortgage, net (1) | 282 |  |  | 9,410 |  |  | 26,331 |  |  | 36,023 |  |  | — |  |  | 6,121,143 |  |  | 6,157,166 |
Home equity loans & lines, net | 4,401 |  |  | 2,373 |  |  | 3,782 |  |  | 10,556 |  |  | — |  |  | 1,927,610 |  |  | 1,938,166 |
Consumer & other, net | 778 |  |  | 519 |  |  | 326 |  |  | 1,623 |  |  | — |  |  | 194,112 |  |  | 195,735 |
Total, net of deferred fees and costs | $ | 40,014 |  |  | $ | 45,221 |  |  | $ | 39,542 |  |  | $ | 124,777 |  |  | $ | 74,371 |  |  | $ | 37,242,803 |  |  | $ | 37,441,951 |
(1) 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 $1.0 million as of December 31, 2023.
| December 31, 2022
(in thousands) | Greater than 30 to 59 Days Past Due |  | 60 to 89 Days Past Due |  | 90 Days or More and Accruing |  | Total Past Due |  | Non-Accrual |  | Current and Other |  | Total 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, net | 168 |  |  | 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, net | 1,241 |  |  | 1,489 |  |  | 19 |  |  | 2,749 |  |  | 5,303 |  |  | 3,021,495 |  |  | 3,029,547 |
Lines of credit & other, net | 514 |  |  | 419 |  |  | 4 |  |  | 937 |  |  | — |  |  | 959,117 |  |  | 960,054 |
Leases & equipment finance, net | 19,929 |  |  | 23,288 |  |  | 7,886 |  |  | 51,103 |  |  | 20,388 |  |  | 1,634,681 |  |  | 1,706,172 |
Residential |  |  |  |  |  |  |  |  |  |  |  |  |
Mortgage, net (1) | 847 |  |  | 10,619 |  |  | 24,943 |  |  | 36,409 |  |  | — |  |  | 5,610,626 |  |  | 5,647,035 |
Home equity loans & lines, net | 2,808 |  |  | 1,526 |  |  | 1,569 |  |  | 5,903 |  |  | — |  |  | 1,626,062 |  |  | 1,631,965 |
Consumer & other, net | 446 |  |  | 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) 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 $6.6 million as of December 31, 2022.
Non Accrual Loans With No Related ACL | The following table summarizes the amortized cost of non-accrual loans for which there was no related ACL as of December 31, 2023 and 2022:
(in thousands) | December 31, 2023 |  | December 31, 2022
Commercial real estate |  |  |
Non-owner occupied term, net | $ | 52 |  |  | $ | — |
Owner occupied term, net | 1,352 |  |  | 279 |
Commercial |  |  |
Term, net | 3,497 |  |  | — |
Total non-accrual loans with no related ACL | $ | 4,901 |  |  | $ | 279 |
Collateral Dependent Loans and Leases | December 31, 2023:
(in thousands) |  | Residential Real Estate |  | Commercial Real Estate |  | General Business Assets |  | Other |  | Total
Commercial real estate |  |  |  |  |  |  |  |  |  |
Non-owner occupied term, net |  | $ | — |  |  | $ | 4,250 |  |  | $ | — |  |  | $ | — |  |  | $ | 4,250 |
Owner occupied term, net |  | — |  |  | 22,076 |  |  | — |  |  | — |  |  | 22,076 |
Commercial |  |  |  |  |  |  |  |  |  |
Term, net |  | — |  |  | 271 |  |  | 8,602 |  |  | 301 |  |  | 9,174 |
Line of credit & other, net |  | — |  |  | 1,566 |  |  | — |  |  | — |  |  | 1,566 |
Leases & equipment finance, net |  | — |  |  | — |  |  | 28,403 |  |  | — |  |  | 28,403 |
Residential |  |  |  |  |  |  |  |  |  |
Mortgage, net |  | 55,381 |  |  | — |  |  | — |  |  | — |  |  | 55,381 |
Home equity loans & lines, net |  | 2,740 |  |  | — |  |  | — |  |  | — |  |  | 2,740 |
Total, net of deferred fees and costs |  | $ | 58,121 |  |  | $ | 28,163 |  |  | $ | 37,005 |  |  | $ | 301 |  |  | $ | 123,590 |
Loan and Lease Modifications Made to Borrowers Experiencing Financial Difficulty | The following table presents the amortized cost basis of loans and leases as of December 31, 2023 that were both experiencing financial difficulty and modified during the year ended December 31, 2023, by class and type of modification. The percentage of the amortized cost basis of loans and leases 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.
|  | December 31, 2023
(in thousands) |  | Interest Rate Reduction |  |  |  | Term Extension |  | Other -Than-Insignificant Payment Delay |  |  |  | Combination - Term Extension and Other-than-Insignificant Payment Delay |  |  |  |  |  | Total |  | % of total class of financing receivable
Commercial real estate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Non-owner occupied term, net |  | $ | — |  |  |  |  | $ | 32,461 |  |  | $ | — |  |  |  |  | $ | — |  |  |  |  |  |  | $ | 32,461 |  |  | 0.50 | %
Owner occupied term, net |  | 666 |  |  |  |  | 507 |  |  | 568 |  |  |  |  | — |  |  |  |  |  |  | 1,741 |  |  | 0.03 | %
Commercial |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Term, net |  | 377 |  |  |  |  | 4,409 |  |  | — |  |  |  |  | — |  |  |  |  |  |  | 4,786 |  |  | 0.09 | %
Lines of credit & other, net |  | — |  |  |  |  | 13,152 |  |  | 30,804 |  |  |  |  | — |  |  |  |  |  |  | 43,956 |  |  | 1.81 | %
Leases & equipment finance, net |  | — |  |  |  |  | 1,495 |  |  | — |  |  |  |  | — |  |  |  |  |  |  | 1,495 |  |  | 0.09 | %
Residential |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Mortgage, net |  | — |  |  |  |  | 562 |  |  | 46,012 |  |  |  |  | 7,101 |  |  |  |  |  |  | 53,675 |  |  | 0.87 | %
Total loans and leases experiencing financial difficulty |  | $ | 1,043 |  |  |  |  | $ | 52,586 |  |  | $ | 77,384 |  |  |  |  | $ | 7,101 |  |  |  |  |  |  | $ | 138,114 |  |  | 0.37 | %
December 31, 2023
Loan Type |  | Types of Modification |  |  |  | Financial Effect
Non-owner occupied term, net |  | Term extension |  |  |  | Added a weighted average of 17 months to the life of the loans.
Owner occupied term, net |  | Interest rate reduction, term extension, and other-than-insignificant payment delays |  |  |  | Reduced weighted average interest rate by 4.00% from interest rate reductions, added a weighted average of 2 months to the life of the loans from term extensions, and deferred $22,000 of principal payments from other-than-insignificant payment delays.
Term, net |  | Interest rate reduction and term extension |  |  |  | Reduced weighted average interest rate by 4.15% from interest rate reductions and added a weighted average of 3 months to the life of the loans from term extensions.
Lines of credit & other, net |  | Term extension and other-than-insignificant payment delays |  |  |  | Added a weighted average of 11 months to the life of the loans from term extensions and deferred $30.1 million of principal and interest payments from other-than-insignificant payment delays.
Leases & equipment finance, net |  | Term extension |  |  |  | Added a weighted average of 8 months to the life of the leases.
Mortgage, net |  | Term extension, other-than-insignificant payment delays, and combination |  |  |  | Added a weighted average of 7.4 years to the life of the loans from term extensions, deferred $3.0 million of principal and interest payments from other-than-insignificant payment delays. Added a weighted average of 12.3 years and deferred $357,000 of principal and interest payments from combination modifications.
The Company closely monitors the performance of loans and leases that are modified for borrowers experiencing financial difficulty to understand the effectiveness of its modification efforts. Loans and leases are considered to be in payment default at 90 or more days past due. The following table presents the performance of such loans and leases that have been modified for the year ended December 31, 2023:
December 31, 2023
Loan Type |  | Current |  | Greater than 30 to 59 Days Past Due |  | 60 to 89 Days Past Due |  | 90 Days or More Past Due |  | Non-accrual |  | Total
(in thousands) |  |  |  |  |  |  |  |  |  |  |  |
Commercial real estate |  |  |  |  |  |  |  |  |  |  |  |
Non-owner occupied term, net |  | $ | 30,338 |  |  | $ | — |  |  | $ | 2,123 |  |  | $ | — |  |  | $ | — |  |  | $ | 32,461 |
Owner occupied term, net |  | 1,075 |  |  | — |  |  | — |  |  | — |  |  | 666 |  |  | 1,741 |
Commercial |  |  |  |  |  |  |  |  |  |  |  |
Term, net |  | 3,784 |  |  | — |  |  | — |  |  | — |  |  | 1,002 |  |  | 4,786 |
Lines of credit & other, net |  | 42,263 |  |  | — |  |  | — |  |  | — |  |  | 1,693 |  |  | 43,956 |
Leases & equipment finance, net |  | 915 |  |  | 181 |  |  | 119 |  |  | 179 |  |  | 101 |  |  | 1,495 |
Residential |  |  |  |  |  |  |  |  |  |  |  |
Mortgage, net |  | 50,540 |  |  | — |  |  | 1,125 |  |  | 2,010 |  |  | — |  |  | 53,675 |
Total loans and leases, net of deferred fees and costs |  | $ | 128,915 |  |  | $ | 181 |  |  | $ | 3,367 |  |  | $ | 2,189 |  |  | $ | 3,462 |  |  | $ | 138,114 |
The following table presents the amortized cost of loan and lease modifications and type of concession that were modified in the previous twelve months and subsequently had a payment default, as of December 31, 2023:
|  |  | December 31, 2023
(in thousands) |  |  |  |  |  | Term Extension |  | Other -Than-Insignificant Payment Delay |  |  |  | Combination - Term Extension and Other-than-Insignificant Payment Delay
Commercial |  |  |  |  |  |  |  |  |  |  |  |
Lines of credit & other, net |  |  |  |  |  | $ | 1,422 |  |  | $ | — |  |  |  |  | $ | — |
Leases & equipment finance, net |  |  |  |  |  | 280 |  |  | — |  |  |  |  | — |
Residential |  |  |  |  |  |  |  |  |  |  |  |
Mortgage, net |  |  |  |  |  | — |  |  | 977 |  |  |  |  | 1,033 |
Total loans and leases experiencing financial difficulty with a subsequent default |  |  |  |  |  | $ | 1,702 |  |  | $ | 977 |  |  |  |  | $ | 1,033 |
Schedule Of Troubled Debt Restructurings | The following tables presents TDR loans by accrual versus non-accrual status and by portfolio segment as of December 31, 2022:
| December 31, 2022
(in thousands) | Accrual Status |  | Non-Accrual Status |  | Total Modification |  | # of Contracts
Commercial real estate, net | $ | 279 |  |  | $ | 23 |  |  | $ | 302 |  |  | 3 |
Commercial, net | 188 |  |  | — |  |  | 188 |  |  | 1 |
Residential, net | 6,291 |  |  | — |  |  | 6,291 |  |  | 40 |
Consumer & other, net | 9 |  |  | — |  |  | 9 |  |  | 2 |
Total, net of deferred fees and costs | $ | 6,767 |  |  | $ | 23 |  |  | $ | 6,790 |  |  | 46 |
The following table presents loans that were determined to be TDRs during the year ended December 31, 2022:
(in thousands) | 2022
Commercial real estate, net | $ | 278 |
Commercial, net | 188 |
Residential, net | 6,046 |
Total, net of deferred fees and costs | $ | 6,512 |
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 December 31, 2023 and 2022:
(in thousands) | Term Loans Amortized Cost Basis by Origination Year |  | Revolving Loans Amortized Cost Basis |  | Revolving to Non-Revolving Loans Amortized Cost |  |
| December 31, 2023 | 2023 |  | 2022 |  | 2021 |  | 2020 |  | 2019 |  | Prior |  |  |  | Total
Commercial real estate: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Non-owner occupied term, net |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Credit quality indicator: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| Pass/Watch | $ | 582,178 |  |  | $ | 1,307,143 |  |  | $ | 1,182,485 |  |  | $ | 615,021 |  |  | $ | 764,821 |  |  | $ | 1,832,231 |  |  | $ | 41,194 |  |  | $ | — |  |  | $ | 6,325,073 |
| Special mention | — |  |  | 317 |  |  | 3,478 |  |  | 1,337 |  |  | 2,480 |  |  | 16,352 |  |  | — |  |  | — |  |  | 23,964 |
| Substandard | 32,461 |  |  | 749 |  |  | — |  |  | 1,090 |  |  | 35,214 |  |  | 64,304 |  |  | — |  |  | — |  |  | 133,818 |
| Loss | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 85 |  |  | — |  |  | — |  |  | 85 |
Total non-owner occupied term, net | $ | 614,639 |  |  | $ | 1,308,209 |  |  | $ | 1,185,963 |  |  | $ | 617,448 |  |  | $ | 802,515 |  |  | $ | 1,912,972 |  |  | $ | 41,194 |  |  | $ | — |  |  | $ | 6,482,940 |
Current YTD period: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| Gross charge-offs | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |
Owner occupied term, net |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Credit quality indicator: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| Pass/Watch | $ | 532,482 |  |  | $ | 1,067,388 |  |  | $ | 972,130 |  |  | $ | 448,569 |  |  | $ | 581,616 |  |  | $ | 1,351,172 |  |  | $ | 67,063 |  |  | $ | — |  |  | $ | 5,020,420 |
| Special mention | 1,575 |  |  | 5,950 |  |  | 6,175 |  |  | 4,945 |  |  | 14,610 |  |  | 15,513 |  |  | 1,932 |  |  | — |  |  | 50,700 |
| Substandard | 4,034 |  |  | 7,707 |  |  | 48,281 |  |  | 17,275 |  |  | 10,513 |  |  | 35,216 |  |  | — |  |  | — |  |  | 123,026 |
| Doubtful | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 90 |  |  | — |  |  | — |  |  | 90 |
| Loss | — |  |  | 963 |  |  | — |  |  | 404 |  |  | — |  |  | 2 |  |  | — |  |  | — |  |  | 1,369 |
Total owner occupied term, net | $ | 538,091 |  |  | $ | 1,082,008 |  |  | $ | 1,026,586 |  |  | $ | 471,193 |  |  | $ | 606,739 |  |  | $ | 1,401,993 |  |  | $ | 68,995 |  |  | $ | — |  |  | $ | 5,195,605 |
Current YTD period: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| Gross charge-offs | $ | — |  |  | $ | 16 |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | 787 |  |  | $ | — |  |  | $ | — |  |  | $ | 803 |
Multifamily, net |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Credit quality indicator: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| Pass/Watch | $ | 272,084 |  |  | $ | 1,982,075 |  |  | $ | 1,660,492 |  |  | $ | 400,280 |  |  | $ | 590,379 |  |  | $ | 745,705 |  |  | $ | 51,480 |  |  | $ | — |  |  | $ | 5,702,495 |
| Special mention | — |  |  | — |  |  | 1,278 |  |  | — |  |  | 961 |  |  | — |  |  | — |  |  | — |  |  | 2,239 |
Total multifamily, net | $ | 272,084 |  |  | $ | 1,982,075 |  |  | $ | 1,661,770 |  |  | $ | 400,280 |  |  | $ | 591,340 |  |  | $ | 745,705 |  |  | $ | 51,480 |  |  | $ | — |  |  | $ | 5,704,734 |
Current YTD period: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| Gross charge-offs | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |
Construction & development, net |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Credit quality indicator: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| Pass/Watch | $ | 248,623 |  |  | $ | 716,207 |  |  | $ | 530,305 |  |  | $ | 186,680 |  |  | $ | 21,990 |  |  | $ | 10,738 |  |  | $ | 31,289 |  |  | $ | — |  |  | $ | 1,745,832 |
| Special mention | — |  |  | 1,470 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 1,470 |
Total construction & development, net | $ | 248,623 |  |  | $ | 717,677 |  |  | $ | 530,305 |  |  | $ | 186,680 |  |  | $ | 21,990 |  |  | $ | 10,738 |  |  | $ | 31,289 |  |  | $ | — |  |  | $ | 1,747,302 |
Current YTD period: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| Gross charge-offs | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |
Residential development, net |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Credit quality indicator: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| Pass/Watch | $ | 90,241 |  |  | $ | 86,078 |  |  | $ | 22,271 |  |  | $ | — |  |  | $ | — |  |  | $ | 1,329 |  |  | $ | 116,490 |  |  | $ | 6,149 |  |  | $ | 322,558 |
| Special mention | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 1,341 |  |  | — |  |  | 1,341 |
Total residential development, net | $ | 90,241 |  |  | $ | 86,078 |  |  | $ | 22,271 |  |  | $ | — |  |  | $ | — |  |  | $ | 1,329 |  |  | $ | 117,831 |  |  | $ | 6,149 |  |  | $ | 323,899 |
Current YTD period: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| Gross charge-offs | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |
Total commercial real estate | $ | 1,763,678 |  |  | $ | 5,176,047 |  |  | $ | 4,426,895 |  |  | $ | 1,675,601 |  |  | $ | 2,022,584 |  |  | $ | 4,072,737 |  |  | $ | 310,789 |  |  | $ | 6,149 |  |  | $ | 19,454,480 |
(in thousands) | Term Loans Amortized Cost Basis by Origination Year |  | Revolving Loans Amortized Cost Basis |  | Revolving to Non-Revolving Loans Amortized Cost |  |
| December 31, 2023 | 2023 |  | 2022 |  | 2021 |  | 2020 |  | 2019 |  | Prior |  |  |  | Total
Commercial: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Term, net |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Credit quality indicator: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| Pass/Watch | $ | 835,662 |  |  | $ | 1,215,539 |  |  | $ | 933,970 |  |  | $ | 391,735 |  |  | $ | 271,974 |  |  | $ | 560,595 |  |  | $ | 1,097,630 |  |  | $ | 50,874 |  |  | $ | 5,357,979 |
| Special mention | 23,250 |  |  | 14,875 |  |  | 29,128 |  |  | 109 |  |  | 3,340 |  |  | 16,476 |  |  | — |  |  | — |  |  | 87,178 |
| Substandard | 2,911 |  |  | 13,862 |  |  | 13,981 |  |  | 3,068 |  |  | 7,385 |  |  | 7,859 |  |  | 31,399 |  |  | 4,139 |  |  | 84,604 |
| Doubtful | — |  |  | 1,329 |  |  | 335 |  |  | 796 |  |  | 197 |  |  | 699 |  |  | — |  |  | — |  |  | 3,356 |
| Loss | — |  |  | 415 |  |  | — |  |  | 648 |  |  | 51 |  |  | 2,534 |  |  | — |  |  | — |  |  | 3,648 |
Total term, net | $ | 861,823 |  |  | $ | 1,246,020 |  |  | $ | 977,414 |  |  | $ | 396,356 |  |  | $ | 282,947 |  |  | $ | 588,163 |  |  | $ | 1,129,029 |  |  | $ | 55,013 |  |  | $ | 5,536,765 |
Current YTD period: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| Gross charge-offs | $ | 3,000 |  |  | $ | 1,418 |  |  | $ | — |  |  | $ | 415 |  |  | $ | 389 |  |  | $ | 886 |  |  | $ | 44 |  |  | $ | 808 |  |  | $ | 6,960 |
Lines of credit & other, net |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Credit quality indicator: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| Pass/Watch | $ | 105,360 |  |  | $ | 105,791 |  |  | $ | 58,441 |  |  | $ | 12,266 |  |  | $ | 10,927 |  |  | $ | 16,108 |  |  | $ | 1,922,115 |  |  | $ | 5,676 |  |  | $ | 2,236,684 |
| Special mention | 476 |  |  | 635 |  |  | 394 |  |  | — |  |  | — |  |  | 80 |  |  | 61,927 |  |  | 403 |  |  | 63,915 |
| Substandard | 7,807 |  |  | 4,161 |  |  | — |  |  | — |  |  | — |  |  | 593 |  |  | 83,304 |  |  | 32,509 |  |  | 128,374 |
| Doubtful | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 48 |  |  | 211 |  |  | 259 |
| Loss | — |  |  | 693 |  |  | 200 |  |  | — |  |  | 1 |  |  | 1 |  |  | — |  |  | — |  |  | 895 |
Total lines of credit & other, net | $ | 113,643 |  |  | $ | 111,280 |  |  | $ | 59,035 |  |  | $ | 12,266 |  |  | $ | 10,928 |  |  | $ | 16,782 |  |  | $ | 2,067,394 |  |  | $ | 38,799 |  |  | $ | 2,430,127 |
Current YTD period: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| Gross charge-offs | $ | 30 |  |  | $ | 168 |  |  | $ | — |  |  | $ | 47 |  |  | $ | 144 |  |  | $ | 45 |  |  | $ | 1,058 |  |  | $ | 1,809 |  |  | $ | 3,301 |
Leases & equipment finance, net |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Credit quality indicator: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| Pass/Watch | $ | 682,866 |  |  | $ | 501,867 |  |  | $ | 200,499 |  |  | $ | 92,402 |  |  | $ | 61,065 |  |  | $ | 33,908 |  |  | $ | — |  |  | $ | — |  |  | $ | 1,572,607 |
| Special mention | 46,806 |  |  | 15,962 |  |  | 6,182 |  |  | 1,688 |  |  | 7,224 |  |  | 77 |  |  | — |  |  | — |  |  | 77,939 |
| Substandard | 7,094 |  |  | 15,274 |  |  | 6,704 |  |  | 2,163 |  |  | 1,246 |  |  | 1,161 |  |  | — |  |  | — |  |  | 33,642 |
| Doubtful | 5,833 |  |  | 22,566 |  |  | 9,036 |  |  | 3,161 |  |  | 1,700 |  |  | 208 |  |  | — |  |  | — |  |  | 42,504 |
| Loss | 395 |  |  | 1,485 |  |  | 581 |  |  | 292 |  |  | 58 |  |  | 9 |  |  | — |  |  | — |  |  | 2,820 |
Total leases & equipment finance, net | $ | 742,994 |  |  | $ | 557,154 |  |  | $ | 223,002 |  |  | $ | 99,706 |  |  | $ | 71,293 |  |  | $ | 35,363 |  |  | $ | — |  |  | $ | — |  |  | $ | 1,729,512 |
Current YTD period: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| Gross charge-offs | $ | 2,324 |  |  | $ | 47,116 |  |  | $ | 31,569 |  |  | $ | 9,111 |  |  | $ | 6,394 |  |  | $ | 3,087 |  |  | $ | — |  |  | $ | — |  |  | $ | 99,601 |
Total commercial | $ | 1,718,460 |  |  | $ | 1,914,454 |  |  | $ | 1,259,451 |  |  | $ | 508,328 |  |  | $ | 365,168 |  |  | $ | 640,308 |  |  | $ | 3,196,423 |  |  | $ | 93,812 |  |  | $ | 9,696,404 |
(in thousands) | Term Loans Amortized Cost Basis by Origination Year |  | Revolving Loans Amortized Cost Basis |  | Revolving to Non-Revolving Loans Amortized Cost |  |
| December 31, 2023 | 2023 |  | 2022 |  | 2021 |  | 2020 |  | 2019 |  | Prior |  |  |  | Total
Residential: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Mortgage, net |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Credit quality indicator: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| Pass/Watch | $ | 221,207 |  |  | $ | 1,845,395 |  |  | $ | 2,355,420 |  |  | $ | 521,177 |  |  | $ | 443,152 |  |  | $ | 735,801 |  |  | $ | — |  |  | $ | — |  |  | $ | 6,122,152 |
| Special mention | 1,125 |  |  | 916 |  |  | 1,737 |  |  | 651 |  |  | 1,156 |  |  | 4,109 |  |  | — |  |  | — |  |  | 9,694 |
| Substandard | 1,851 |  |  | 2,617 |  |  | 2,826 |  |  | 787 |  |  | 1,759 |  |  | 8,746 |  |  | — |  |  | — |  |  | 18,586 |
| Loss | 159 |  |  | 2,724 |  |  | 970 |  |  | 851 |  |  | 220 |  |  | 1,810 |  |  | — |  |  | — |  |  | 6,734 |
Total mortgage, net | $ | 224,342 |  |  | $ | 1,851,652 |  |  | $ | 2,360,953 |  |  | $ | 523,466 |  |  | $ | 446,287 |  |  | $ | 750,466 |  |  | $ | — |  |  | $ | — |  |  | $ | 6,157,166 |
Current YTD period: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| Gross charge-offs | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | 6 |  |  | $ | — |  |  | $ | — |  |  | $ | 6 |
Home equity loans & lines, net |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Credit quality indicator: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| Pass/Watch | $ | 562 |  |  | $ | 1,242 |  |  | $ | 1,056 |  |  | $ | 100 |  |  | $ | 896 |  |  | $ | 35,677 |  |  | $ | 1,870,270 |  |  | $ | 17,807 |  |  | $ | 1,927,610 |
| Special mention | — |  |  | — |  |  | — |  |  | — |  |  | 114 |  |  | 378 |  |  | 5,052 |  |  | 1,230 |  |  | 6,774 |
| Substandard | — |  |  | — |  |  | — |  |  | — |  |  | 137 |  |  | 190 |  |  | 1,278 |  |  | 174 |  |  | 1,779 |
| Loss | 14 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 85 |  |  | 1,286 |  |  | 618 |  |  | 2,003 |
Total home equity loans & lines, net | $ | 576 |  |  | $ | 1,242 |  |  | $ | 1,056 |  |  | $ | 100 |  |  | $ | 1,147 |  |  | $ | 36,330 |  |  | $ | 1,877,886 |  |  | $ | 19,829 |  |  | $ | 1,938,166 |
Current YTD period: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| Gross charge-offs | $ | — |  |  | $ | — |  |  | $ | 12 |  |  | $ | 29 |  |  | $ | — |  |  | $ | 52 |  |  | $ | 448 |  |  | $ | — |  |  | $ | 541 |
Total residential | $ | 224,918 |  |  | $ | 1,852,894 |  |  | $ | 2,362,009 |  |  | $ | 523,566 |  |  | $ | 447,434 |  |  | $ | 786,796 |  |  | $ | 1,877,886 |  |  | $ | 19,829 |  |  | $ | 8,095,332 |
Consumer & other, net: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Credit quality indicator: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| Pass/Watch | $ | 39,977 |  |  | $ | 14,919 |  |  | $ | 7,132 |  |  | $ | 4,953 |  |  | $ | 3,441 |  |  | $ | 5,022 |  |  | $ | 118,125 |  |  | $ | 543 |  |  | $ | 194,112 |
| Special mention | 138 |  |  | 52 |  |  | 5 |  |  | 13 |  |  | 52 |  |  | 122 |  |  | 779 |  |  | 135 |  |  | 1,296 |
| Substandard | — |  |  | — |  |  | — |  |  | — |  |  | 3 |  |  | 1 |  |  | 251 |  |  | 63 |  |  | 318 |
| Loss | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 7 |  |  | 2 |  |  | — |  |  | 9 |
Total consumer & other, net | $ | 40,115 |  |  | $ | 14,971 |  |  | $ | 7,137 |  |  | $ | 4,966 |  |  | $ | 3,496 |  |  | $ | 5,152 |  |  | $ | 119,157 |  |  | $ | 741 |  |  | $ | 195,735 |
Current YTD period: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| Gross charge-offs | $ | 3,313 |  |  | $ | 132 |  |  | $ | 23 |  |  | $ | 20 |  |  | $ | 29 |  |  | $ | 288 |  |  | $ | 1,485 |  |  | $ | 472 |  |  | $ | 5,762 |
Grand total | $ | 3,747,171 |  |  | $ | 8,958,366 |  |  | $ | 8,055,492 |  |  | $ | 2,712,461 |  |  | $ | 2,838,682 |  |  | $ | 5,504,993 |  |  | $ | 5,504,255 |  |  | $ | 120,531 |  |  | $ | 37,441,951 |

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