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Allowance for Credit Losses (Tables)
 9 Months Ended
Sep. 30, 2024
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:
Three Months Ended September 30, 2024
  (in thousands)Commercial Real EstateCommercialResidentialConsumer & OtherTotal
Allowance for credit losses on loans and leases
Balance, beginning of period$143,146 $219,714 $48,885 $6,926 $418,671 
Provision (recapture) for credit losses for loans and leases 15,026 16,710 (2,520)1,282 30,498 
Charge-offs— (32,645)(936)(1,395)(34,976)
Recoveries44 5,258 143 416 5,861 
Net recoveries (charge-offs)44 (27,387)(793)(979)(29,115)
Balance, end of period$158,216 $209,037 $45,572 $7,229 $420,054 
Reserve for unfunded commitments
Balance, beginning of period$9,946 $6,547 $2,278 $1,157 $19,928 
(Recapture) provision for credit losses on unfunded commitments(2,188)509 (156)106 (1,729)
Balance, end of period7,758 7,056 2,122 1,263 18,199 
Total allowance for credit losses$165,974 $216,093 $47,694 $8,492 $438,253 
Nine Months Ended September 30, 2024
  (in thousands)Commercial Real EstateCommercialResidentialConsumer & OtherTotal
Allowance for credit losses on loans and leases
Balance, beginning of period$125,888 $244,821 $62,004 $8,158 $440,871 
Provision (recapture) for credit losses for loans and leases32,121 63,466 (15,226)2,373 82,734 
Charge-offs(746)(113,438)(1,930)(4,816)(120,930)
Recoveries953 14,188 724 1,514 17,379 
Net recoveries (charge-offs)207 (99,250)(1,206)(3,302)(103,551)
Balance, end of period$158,216 $209,037 $45,572 $7,229 $420,054 
Reserve for unfunded commitments
Balance, beginning of period$11,170 $7,841 $2,940 $1,257 $23,208 
(Recapture) provision for credit losses on unfunded commitments(3,412)(785)(818)6 (5,009)
Balance, end of period7,758 7,056 2,122 1,263 18,199 
Total allowance for credit losses$165,974 $216,093 $47,694 $8,492 $438,253 
Three Months Ended September 30, 2023
(in thousands)Commercial Real EstateCommercialResidentialConsumer & OtherTotal
Allowance for credit losses on loans and leases
Balance, beginning of period$118,954 $211,651 $65,941 $8,057 $404,603 
Provision (recapture) for credit losses for loans and leases2,734 35,952 (4,619)1,015 35,082 
Charge-offs— (26,629)(206)(1,884)(28,719)
Recoveries31 4,901 156 506 5,594 
Net recoveries (charge-offs)31 (21,728)(50)(1,378)(23,125)
Balance, end of period$121,719 $225,875 $61,272 $7,694 $416,560 
Reserve for unfunded commitments
Balance, beginning of period$10,000 $5,821 $3,018 $988 $19,827 
(Recapture) provision for credit losses on unfunded commitments(11)1,579 67 20 1,655 
Balance, end of period9,989 7,400 3,085 1,008 21,482 
Total allowance for credit losses$131,708 $233,275 $64,357 $8,702 $438,042 
Nine Months Ended September 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)
35,046 106,979 10,605 4,166 156,796 
Charge-offs(174)(77,913)(458)(3,921)(82,466)
Recoveries298 12,470 342 1,493 14,603 
Net recoveries (charge-offs)124 (65,443)(116)(2,428)(67,863)
Balance, end of period$121,719 $225,875 $61,272 $7,694 $416,560 
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 commitments525 1,285 (379)63 1,494 
Balance, end of period9,989 7,400 3,085 1,008 21,482 
Total allowance for credit losses$131,708 $233,275 $64,357 $8,702 $438,042 
(1) Includes $88.4 million initial provision related to non-PCD loans acquired during the first quarter of 2023.
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:
September 30, 2024
(in thousands)Greater than 30 to 59 Days Past Due60 to 89 Days Past Due
 90 Days or More and Accruing (2)
Total Past Due
Non-Accrual (2)
Current and OtherTotal Loans and Leases
Commercial real estate
Non-owner occupied term, net$1,510 $203 $136 $1,849 $4,816 $6,385,141 $6,391,806 
Owner occupied term, net456 231 — 687 32,516 5,177,282 5,210,485 
Multifamily, net— — — — — 5,779,737 5,779,737 
Construction & development, net— — — — — 1,988,923 1,988,923 
Residential development, net— — — — — 244,579 244,579 
Commercial
Term, net1,944 1,942 123 4,009 30,304 5,394,896 5,429,209 
Lines of credit & other, net3,318 518 — 3,836 7,820 2,629,013 2,640,669 
Leases & equipment finance, net15,031 15,919 5,889 36,839 23,340 1,610,248 1,670,427 
Residential
Mortgage, net (1)
— 14,692 59,301 73,993 — 5,870,741 5,944,734 
Home equity loans & lines, net6,838 3,505 4,336 14,679 — 2,002,657 2,017,336 
Consumer & other, net950 253 317 1,520 — 183,577 185,097 
Total, net of deferred fees and costs$30,047 $37,263 $70,102 $137,412 $98,796 $37,266,794 $37,503,002 
(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 $3.7 million at September 30, 2024.
(2) Includes government guaranteed portion of $26.9 million and $38.9 million for 90 days or greater and non-accrual loans, respectively.
December 31, 2023
 (in thousands)Greater than 30 to 59 Days Past Due60 to 89 Days Past Due
90 Days or More and Accruing (2)
Total Past Due
Non-Accrual (2)
Current and OtherTotal 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, net3,078 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, net6,341 2,101 202 8,644 14,519 5,513,602 5,536,765 
Lines of credit & other, net1,647 1,137 66 2,850 2,760 2,424,517 2,430,127 
Leases & equipment finance, net22,217 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, net4,401 2,373 3,782 10,556 — 1,927,610 1,938,166 
Consumer & other, net778 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 the Bank has the right but not the obligation to repurchase that are past due 90 days or more, totaling $1.0 million at December 31, 2023.
(2) Includes government guaranteed portion of $12.3 million and $19.3 million for 90 days or greater and non-accrual loans, respectively.
Collateral Dependent Loans and Leases The following table summarizes the amortized cost basis of the collateral-dependent loans and leases by the type of collateral securing the assets as of September 30, 2024:
(in thousands)Residential Real EstateCommercial Real Estate General Business AssetsOtherTotal
Commercial real estate
  Non-owner occupied term, net$— $4,121 $— $— $4,121 
  Owner occupied term, net— 28,610 — — 28,610 
Commercial
   Term, net2,335 2,919 17,290 580 23,124 
   Line of credit & other, net— 3,066 3,651 — 6,717 
   Leases & equipment finance, net— — 23,340 — 23,340 
Residential
   Mortgage, net75,166 — — — 75,166 
   Home equity loans & lines, net2,406 — — — 2,406 
Total, net of deferred fees and costs$79,907 $38,716 $44,281 $580 $163,484 
Loan and Lease Modifications Made to Borrowers Experiencing Financial Difficulty
The following tables present the amortized cost basis of loans and leases that were both experiencing financial difficulty and modified during the three and nine months ended September 30, 2024 and 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.
Three Months Ended September 30, 2024
(in thousands)Term ExtensionOther -Than-Insignificant Payment DelayTotal% of total class of financing receivable
Commercial real estate
  Construction & development, net$1,985 $— $1,985 0.10 %
Commercial
  Term, net1,958 289 2,247 0.04 %
  Lines of credit & other, net6,003 — 6,003 0.23 %
  Leases & equipment finance, net889 — 889 0.05 %
Residential
  Mortgage, net2,302 1,570 3,872 0.07 %
Total modified loans and leases experiencing financial difficulty$13,137 $1,859 $14,996 0.04 %
Nine Months Ended September 30, 2024
(in thousands)Interest Rate ReductionTerm ExtensionOther -Than-Insignificant Payment DelayTotal% of total class of financing receivable
Commercial real estate
  Non-owner occupied term, net$— $— $17,521 $17,521 0.27 %
  Owner occupied term, net4,041 — 528 4,569 0.09 %
  Construction & development, net— 1,985 — 1,985 0.10 %
Commercial
  Term, net1,175 6,337 1,449 8,961 0.17 %
  Lines of credit & other, net— 11,923 494 12,417 0.47 %
  Leases & equipment finance, net— 2,164 — 2,164 0.13 %
Residential
  Mortgage, net— 4,500 14,898 19,398 0.33 %
Total modified loans and leases experiencing financial difficulty$5,216 $26,909 $34,890 $67,015 0.18 %
Three Months Ended September 30, 2023
(in thousands)Term ExtensionOther -Than-Insignificant Payment DelayCombination - Term Extension and Other-than-Insignificant Payment DelayTotal% of total class of financing receivable
Commercial
Lines of credit & other, net$2,649 $— $— $2,649 0.11 %
Leases & equipment finance, net974 — — 974 0.06 %
Residential
Mortgage, net— 13,228 2,823 16,051 0.26 %
Total modified loans and leases experiencing financial difficulty$3,623 $13,228 $2,823 $19,674 0.05 %
Nine Months Ended September 30, 2023
(in thousands)Interest Rate ReductionTerm ExtensionOther -Than-Insignificant Payment DelayCombination - Term Extension and Other-than-Insignificant Payment DelayTotal% of total class of financing receivable
Commercial real estate
Owner occupied term, net$666 $— $— $— $666 0.01 %
Commercial
Term, net377 483 — — 860 0.02 %
Lines of credit & other, net— 4,333 — — 4,333 0.18 %
Leases & equipment finance, net— 1,515 — — 1,515 0.09 %
Residential
Mortgage, net— 451 35,031 5,703 41,185 0.67 %
Total modified loans and leases experiencing financial difficulty$1,043 $6,782 $35,031 $5,703 $48,559 0.13 %

The following table presents the financial effect of loan modifications made to borrowers experiencing financial difficulty during the three and nine months ended September 30, 2024 and 2023:
Three Months Ended September 30, 2024
Term ExtensionOther-Than-Insignificant Payment Delay
(dollars in thousands)Weighted-Average Term ExtensionDeferral Amount
Commercial real estate
Construction & development, net7 months— 
Commercial
Term, net1.8 years$299 
   Lines of credit & other, net7 months— 
   Leases & equipment finance, net12 months— 
Residential
Mortgage, net
7.3 years$99 
Nine Months Ended September 30, 2024
Interest Rate ModificationTerm ExtensionOther-Than-Insignificant Payment Delay
(dollars in thousands)Weighted-Average Interest Rate ReductionWeighted-Average Term ExtensionDeferral Amount
Commercial real estate
Non-owner occupied term, net— — $3,969 
Owner occupied term, net3.79 %— $51 
Construction & development, net— 7 months— 
Commercial
Term, net5.00 %11 months$376 
Lines of credit & other, net— 8 months$111 
Leases & equipment finance, net— 11 months— 
Residential
Mortgage, net
— 7.5 years$1,057 
Three Months Ended September 30, 2023
Term ExtensionOther-Than-Insignificant Payment Delay
(dollars in thousands)Weighted-Average Term ExtensionDeferral Amount
Commercial
Lines of credit & other, net3 months— 
Leases & equipment finance, net9 months— 
Residential
Mortgage, net
13 years$1,179 

Nine Months Ended September 30, 2023
Interest Rate ModificationTerm ExtensionOther-Than-Insignificant Payment Delay
(dollars in thousands)Weighted-Average Interest Rate ReductionWeighted-Average Term ExtensionDeferral Amount
Commercial real estate
Owner occupied term, net4.00 %— — 
Commercial
Term, net4.15 %7 months— 
Lines of credit & other, net— 8 months— 
Leases & equipment finance, net— 9 months— 
Residential
Mortgage, net
— 12.7 years$3,015 
The Company closely monitors the performance of loans and leases that are modified for borrowers experiencing financial difficulty to understand the effectiveness of its modification efforts. Loans and leases are considered to be in payment default at 90 or more days past due. The following tables present the amortized cost basis of modified loans as of September 30, 2024 that, within twelve months of the modification date, experienced a subsequent default during the periods presented:
Three Months Ended September 30, 2024
(in thousands)Term ExtensionOther-Than-Insignificant Payment DelayCombination - Interest Rate Reduction and Term ExtensionTotal
Commercial
Lines of credit & other, net$— $— $1,305 $1,305 
Leases & equipment finance, net161 — — 161 
Residential
Mortgage, net435 3,887 — 4,322 
Total loans and leases experiencing financial difficulty with a subsequent default$596 $3,887 $1,305 $5,788 
Nine Months Ended September 30, 2024
(in thousands)Interest Rate ReductionTerm ExtensionOther-Than-Insignificant Payment DelayCombination - Interest Rate Reduction and Term ExtensionTotal
Commercial real estate
Owner occupied term, net$3,064 $— $— — $3,064 
Commercial
Lines of credit & other, net — — — 1,305 1,305 
Leases & equipment finance, net— 161 — — 161 
Residential
Mortgage, net— 491 4,508 — 4,999 
Total loans and leases experiencing financial difficulty with a subsequent default$3,064 $652 $4,508 $1,305 $9,529 

For the three and nine months ended September 30, 2023, all modified loans and leases were current and there were no loan or lease modifications made to borrowers experiencing financial difficulty that subsequently defaulted.
The following tables present an age analysis of loans and leases as of September 30, 2024 that have been modified within the prior twelve months and as of September 30, 2023 that have been modified since January 1, 2023, the date of the adoption of ASU 2022-02:
 September 30, 2024
Loan TypeCurrentGreater than 30 to 59 Days Past Due60 to 89 Days Past Due90 Days or Greater Past DueNonaccrualTotal
(in thousands)
Commercial real estate
Non-owner occupied term, net$47,321 $— $— $— $— $47,321 
Owner occupied term, net2,006 — — — 3,592 5,598 
Construction & development, net1,985 — — — — 1,985 
Commercial
Term, net9,540 — — — 1,175 10,715 
Lines of credit & other, net50,917 119 — — 1,500 52,536 
Leases & equipment finance, net1,570 206 361 99 62 2,298 
Residential
Mortgage, net22,564 — 2,206 4,527 — 29,297 
Total loans and leases, net of deferred fees and costs$135,903 $325 $2,567 $4,626 $6,329 $149,750 

 September 30, 2023
Loan TypeCurrentGreater than 30 to 59 Days Past Due60 to 89 Days Past Due90 Days or Greater Past DueNonaccrualTotal
(in thousands)
Commercial real estate
Owner occupied term, net$— $— $— $— $666 $666 
Commercial
Term, net94 — 389 — 377 860 
Lines of credit & other, net3,426 — — 288 619 4,333 
Leases & equipment finance, net1,153 117 72 53 120 1,515 
Residential
Mortgage, net39,102 — 285 1,798 — 41,185 
Total loans and leases, net of deferred fees and costs$43,775 $117 $746 $2,139 $1,782 $48,559 
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 BasisRevolving to Non-Revolving Loans Amortized Cost
September 30, 202420242023202220212020PriorTotal
Commercial real estate:
Non-owner occupied term, net
Credit quality indicator:
Pass/Watch$238,149 $575,610 $1,255,121 $1,139,423 $577,439 $2,398,374 $36,761 $12,660 $6,233,537 
Special mention— — 6,836 1,234 465 21,433 — — 29,968 
Substandard17,521 29,800 21,756 — — 58,417 — — 127,494 
Doubtful— — — 807 — — — — 807 
Total non-owner occupied term, net$255,670 $605,410 $1,283,713 $1,141,464 $577,904 $2,478,224 $36,761 $12,660 $6,391,806 
Current YTD period:
Gross charge-offs$— $— $— $— $— $86 $— $— $86 
Owner occupied term, net
Credit quality indicator:
Pass/Watch$332,263 $517,212 $1,044,934 $907,721 $421,179 $1,705,736 $76,944 $52 $5,006,041 
Special mention1,216 977 7,906 14,100 7,108 33,676 1,923 — 66,906 
Substandard4,946 5,352 4,645 51,236 19,704 46,372 — — 132,255 
Doubtful— — 2,924 — — 8 — — 2,932 
Loss— — 963 — 404 984 — — 2,351 
Total owner occupied term, net$338,425 $523,541 $1,061,372 $973,057 $448,395 $1,786,776 $78,867 $52 $5,210,485 
Current YTD period:
Gross charge-offs$— $— $569 $— $— $91 $— $— $660 
Multifamily, net
Credit quality indicator:
Pass/Watch$129,031 $254,472 $1,944,096 $1,671,126 $408,718 $1,261,111 $91,735 $12 $5,760,301 
Special mention— — 4,556 4,120 929 4,179 — — 13,784 
Substandard— — — 1,619 — 4,033 — — 5,652 
Total multifamily, net$129,031 $254,472 $1,948,652 $1,676,865 $409,647 $1,269,323 $91,735 $12 $5,779,737 
Current YTD period:
Gross charge-offs$— $— $— $— $— $— $— $— $— 
Construction & development, net
Credit quality indicator:
Pass/Watch$316,050 $440,950 $841,805 $237,802 $105,119 $19,111 $11,392 $— $1,972,229 
Special mention1,985 — — 14,709 — — — — 16,694 
Total construction & development, net$318,035 $440,950 $841,805 $252,511 $105,119 $19,111 $11,392 $— $1,988,923 
Current YTD period:
Gross charge-offs$— $— $— $— $— $— $— $— $— 
(in thousands)Term Loans Amortized Cost Basis by Origination YearRevolving Loans Amortized Cost BasisRevolving to Non-Revolving Loans Amortized Cost
September 30, 202420242023202220212020PriorTotal
Residential development, net
Credit quality indicator:
Pass/Watch$52,468 $19,661 $6,762 $493 $466 $785 $154,113 $9,831 $244,579 
Total residential development, net$52,468 $19,661 $6,762 $493 $466 $785 $154,113 $9,831 $244,579 
Current YTD period:
Gross charge-offs$— $— $— $— $— $— $— $— $— 
Total commercial real estate$1,093,629 $1,844,034 $5,142,304 $4,044,390 $1,541,531 $5,554,219 $372,868 $22,555 $19,615,530 
Commercial:
Term, net
Credit quality indicator:
Pass/Watch$538,326 $690,664 $1,118,398 $811,447 $320,002 $666,260 $1,090,113 $16,685 $5,251,895 
Special mention1,477 53,457 12,122 9,720 501 19,031 — — 96,308 
Substandard20,651 5,851 8,207 10,433 1,390 10,645 — 3,897 61,074 
Doubtful— 3,070 5,381 3,725 683 2,033 — — 14,892 
Loss— — — 1,537 1,531 1,972 — — 5,040 
Total term, net$560,454 $753,042 $1,144,108 $836,862 $324,107 $699,941 $1,090,113 $20,582 $5,429,209 
Current YTD period:
Gross charge-offs$649 $1,076 $1,542 $980 $1,309 $680 $4,171 $— $10,407 
Lines of credit & other, net
Credit quality indicator:
Pass/Watch$77,329 $66,308 $67,671 $19,207 $9,808 $16,978 $2,245,350 $19,017 $2,521,668 
Special mention585 2,164 — 323 20 152 34,404 2,613 40,261 
Substandard33,609 3,351 1,223 — — 101 33,612 6,250 78,146 
Doubtful— — — — — — — 250 250 
Loss— — 191 — — — — 153 344 
Total lines of credit & other, net$111,523 $71,823 $69,085 $19,530 $9,828 $17,231 $2,313,366 $28,283 $2,640,669 
Current YTD period:
Gross charge-offs$— $758 $309 $241 $49 $562 $19,804 $2,958 $24,681 
Leases & equipment finance, net
Credit quality indicator:
Pass/Watch$469,852 $506,502 $348,955 $122,245 $44,849 $52,720 $— $— $1,545,123 
Special mention1,424 41,883 10,746 3,412 665 655 — — 58,785 
Substandard3,835 7,926 9,669 3,547 1,189 1,481 — — 27,647 
Doubtful2,158 11,996 14,427 6,080 1,229 685 — — 36,575 
Loss146 810 821 330 84 106 — — 2,297 
Total leases & equipment finance, net$477,415 $569,117 $384,618 $135,614 $48,016 $55,647 $— $— $1,670,427 
Current YTD period:
Gross charge-offs$— $15,256 $41,015 $15,008 $4,350 $2,721 $— $— $78,350 
Total commercial$1,149,392 $1,393,982 $1,597,811 $992,006 $381,951 $772,819 $3,403,479 $48,865 $9,740,305 
(in thousands)Term Loans Amortized Cost Basis by Origination YearRevolving Loans Amortized Cost BasisRevolving to Non-Revolving Loans Amortized Cost
September 30, 202420242023202220212020PriorTotal
Residential:
Mortgage, net
Credit quality indicator:
Pass/Watch$140,488 $244,135 $1,799,124 $2,135,113 $486,093 $1,069,465 $— $— $5,874,418 
Special mention1,542 2,697 2,496 3,045 673 4,239 — — 14,692 
Substandard3,143 6,353 6,538 7,061 2,579 19,377 — — 45,051 
Loss1,034 848 3,246 2,980 950 1,515 — — 10,573 
Total mortgage, net$146,207 $254,033 $1,811,404 $2,148,199 $490,295 $1,094,596 $— $— $5,944,734 
Current YTD period:
Gross charge-offs$— $— $491 $292 $314 $368 $— $— $1,465 
Home equity loans & lines, net
Credit quality indicator:
Pass/Watch$396 $840 $2,532 $1,378 $580 $40,850 $1,931,777 $24,303 $2,002,656 
Special mention— 28 215 — 8 1,245 6,538 2,309 10,343 
Substandard— — — 175 — 123 1,628 219 2,145 
Loss— — — 44 101 553 1,015 479 2,192 
Total home equity loans & lines, net$396 $868 $2,747 $1,597 $689 $42,771 $1,940,958 $27,310 $2,017,336 
Current YTD period:
Gross charge-offs$— $— $— $— $— $240 $225 $— $465 
Total residential$146,603 $254,901 $1,814,151 $2,149,796 $490,984 $1,137,367 $1,940,958 $27,310 $7,962,070 
Consumer & other, net:
Credit quality indicator:
Pass/Watch$21,317 $18,615 $11,170 $5,076 $3,356 $5,839 $116,018 $2,186 $183,577 
Special mention40 40 33 32 6 75 658 319 1,203 
Substandard— 8 — — — — 170 138 316 
Loss— — — — — 1 — — 1 
Total consumer & other, net$21,357 $18,663 $11,203 $5,108 $3,362 $5,915 $116,846 $2,643 $185,097 
Current YTD period:
Gross charge-offs$55 $2,301 $95 $25 $— $281 $1,529 $530 $4,816 
Grand total$2,410,981 $3,511,580 $8,565,469 $7,191,300 $2,417,828 $7,470,320 $5,834,151 $101,373 $37,503,002 
(in thousands)Term Loans Amortized Cost Basis by Origination YearRevolving Loans Amortized Cost BasisRevolving to Non-Revolving Loans Amortized Cost
December 31, 202320232022202120202019PriorTotal
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 
Substandard32,461 749 — 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 $— $6,482,940 
Prior Year End period:
Gross charge-offs$— $— $— $— $— $— $— $— $— 
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 mention1,575 5,950 6,175 4,945 14,610 15,513 1,932 — 50,700 
Substandard4,034 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 $— $5,195,605 
Prior Year End period:
Gross charge-offs$— $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 $— $5,704,734 
Prior Year End period:
Gross charge-offs$— $— $— $— $— $— $— $— $— 
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 $— $1,747,302 
Prior Year End period:
Gross charge-offs$— $— $— $— $— $— $— $— $— 
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 $323,899 
Prior Year End period:
Gross charge-offs$— $— $— $— $— $— $— $— $— 
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 YearRevolving Loans Amortized Cost BasisRevolving to Non-Revolving Loans Amortized Cost
December 31, 202320232022202120202019PriorTotal
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 mention23,250 14,875 29,128 109 3,340 16,476 — — 87,178 
Substandard2,911 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 
Prior Year End 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 mention476 635 394 — — 80 61,927 403 63,915 
Substandard7,807 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 
Prior Year End 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 mention46,806 15,962 6,182 1,688 7,224 77 — — 77,939 
Substandard7,094 15,274 6,704 2,163 1,246 1,161 — — 33,642 
Doubtful5,833 22,566 9,036 3,161 1,700 208 — — 42,504 
Loss395 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 
Prior Year End 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 
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 mention1,125 916 1,737 651 1,156 4,109 — — 9,694 
Substandard1,851 2,617 2,826 787 1,759 8,746 — — 18,586 
Loss159 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 $— $— $6,157,166 
Prior Year End period:
Gross charge-offs$— $— $— $— $— $6 $— $— $6 
(in thousands)Term Loans Amortized Cost Basis by Origination YearRevolving Loans Amortized Cost BasisRevolving to Non-Revolving Loans Amortized Cost
December 31, 202320232022202120202019PriorTotal
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 
Loss14 — — — — 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 $1,938,166 
Prior Year End period:
Gross charge-offs$— $— $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 mention138 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 
Prior Year End 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