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LOANS HELD FOR INVESTMENT (Tables) | 6 Months Ended
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Jun. 30, 2022
Accounts, Notes, Loans and Financing Receivable [Line Items] |
Loan Portfolio Held for Investment [Table Text Block] | The following table provides information about the loan portfolio held for investment by portfolio segment and disaggregated by geographic location as of the indicated dates:
|  | As of June 30, 2022 |  | As of December 31, 2021
(In thousands) |
Puerto Rico and Virgin Island region: |  |  |  |  |
Residential mortgage loans, mainly secured by first mortgages | $ | 2,444,532 |  | $ | 2,549,573
Construction loans |  | 25,477 |  |  | 43,133
Commercial mortgage loans |  | 1,784,879 |  |  | 1,702,231
Commercial and Industrial ("C&I") loans |  | 1,869,210 |  |  | 1,946,597
Consumer loans |  | 3,093,629 |  |  | 2,872,384
| Loans held for investment |  | 9,217,727 |  |  | 9,113,918
Florida region: |  |  |  |  |
Residential mortgage loans, mainly secured by first mortgages | $ | 407,153 |  | $ | 429,322
Construction loans |  | 89,833 |  |  | 95,866
Commercial mortgage loans |  | 485,234 |  |  | 465,238
C&I loans |  | 993,707 |  |  | 940,654
Consumer loans |  | 13,220 |  |  | 15,660
| Loans held for investment |  | 1,989,147 |  |  | 1,946,740
Total: |  |  |  |  |
Residential mortgage loans, mainly secured by first mortgages | $ | 2,851,685 |  | $ | 2,978,895
Construction loans |  | 115,310 |  |  | 138,999
Commercial mortgage loans |  | 2,270,113 |  |  | 2,167,469
C&I loans (1) |  | 2,862,917 |  |  | 2,887,251
Consumer loans |  | 3,106,849 |  |  | 2,888,044
| Loans held for investment (2) | $ | 11,206,874 |  | $ | 11,060,658
(1) | As of June 30, 2022 and December 31, 2021, includes $893.0 million and $952.1 million, respectively, of commercial loans that were secured by real estate but were not dependent upon the real estate for repayment.
(2) | Includes accretable fair value net purchase discounts of $32.0 million and $35.3 million as of June 30, 2022 and December 31, 2021, respectively.
Corporation's Aging of Loans Held for Investment Portfolio [Table Text Block] | The Corporation’s aging of the loan portfolio held for investment by portfolio classes and nonaccrual loans with no ACL as of June 30, 2022 and December 31, 2021 are as follows:
As of June 30, 2022 |  |  |  | Days Past Due and Accruing |  |  |  |  |  |  |  |  |
| Current |  | 30-59 |  | 60-89 |  | 90 + (1) (2) (3) |  | Nonaccrual (4) (5) |  | Total loans held for investment |  | Nonaccrual Loans with no ACL (6)
(In thousands) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Residential mortgage loans, mainly secured by first mortgages: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| FHA/VA government-guaranteed loans (1) (3) (7) | $ | 63,062 |  | $ | - |  | $ | 2,346 |  | $ | 55,752 |  | $ | - |  | $ | 121,160 |  | $ | -
| Conventional residential mortgage loans (2) (7) |  | 2,633,359 |  |  | - |  |  | 30,964 |  |  | 21,614 |  |  | 44,588 |  |  | 2,730,525 |  |  | 3,351
Commercial loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| Construction loans |  | 112,932 |  |  | - |  |  | - |  |  | 3 |  |  | 2,375 |  |  | 115,310 |  |  | 982
| Commercial mortgage loans (2) (7) |  | 2,243,330 |  |  | - |  |  | 417 |  |  | 1,613 |  |  | 24,753 |  |  | 2,270,113 |  |  | 7,736
C&I loans |  | 2,828,679 |  |  | 4,990 |  |  | 197 |  |  | 11,972 |  |  | 17,079 |  |  | 2,862,917 |  |  | 11,619
Consumer loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| Auto loans |  | 1,668,658 |  |  | 29,884 |  |  | 4,771 |  |  | - |  |  | 6,916 |  |  | 1,710,229 |  |  | 2,535
| Finance leases |  | 626,352 |  |  | 5,234 |  |  | 1,148 |  |  | - |  |  | 1,047 |  |  | 633,781 |  |  | 266
| Personal loans |  | 321,892 |  |  | 2,903 |  |  | 1,458 |  |  | - |  |  | 893 |  |  | 327,146 |  |  | -
| Credit cards |  | 288,774 |  |  | 3,096 |  |  | 2,012 |  |  | 3,407 |  |  | - |  |  | 297,289 |  |  | -
| Other consumer loans |  | 134,142 |  |  | 1,857 |  |  | 946 |  |  | - |  |  | 1,459 |  |  | 138,404 |  |  | 13
|  | Total loans held for investment | $ | 10,921,180 |  | $ | 47,964 |  | $ | 44,259 |  | $ | 94,361 |  | $ | 99,110 |  | $ | 11,206,874 |  | $ | 26,502
(1) | It is the Corporation's policy to report delinquent residential mortgage loans insured by the FHA, guaranteed by the VA, and other government-insured loans as past-due loans 90 days and still accruing as opposed to nonaccrual loans since the principal repayment is insured. The Corporation continues accruing interest on these loans until they have passed the 15 months delinquency mark, taking into consideration the FHA interest curtailment process. These balances include $35.6 million of residential mortgage loans insured by the FHA that were over 15 months delinquent.
(2) | Includes purchased credit deteriorated ("PCD") loans previously accounted for under Accounting Standard Codification ("ASC") Subtopic 310-30, "Loans and Debt Securities Acquired with Deteriorated Credit Quality" ("ASC Subtopic 310-30") for which the Corporation made the accounting policy election of maintaining pools of loans as “units of account” both at the time of adoption of CECL on January 1, 2020 and on an ongoing basis for credit loss measurement. These loans will continue to be excluded from nonaccrual loan statistics as long as the Corporation can reasonably estimate the timing and amount of cash flows expected to be collected on the loan pools. The portion of such loans contractually past due 90 days or more, amounting to $15.3 million as of June 30, 2022 ($14.3 million conventional residential mortgage loans and $1.0 million commercial mortgage loans), is presented in the loans past due 90 days or more and still accruing category in the table above.
(3) | Include rebooked loans, which were previously pooled into GNMA securities, amounting to $10.8 million as of June 30, 2022. Under the GNMA program, the Corporation has the option but not the obligation to repurchase loans that meet GNMA’s specified delinquency criteria. For accounting purposes, these loans subject to the repurchase option are required to be reflected on the financial statements with an offsetting liability.
(4) | Nonaccrual loans in the Florida region amounted to $7.1 million as of June 30, 2022.
(5) | Nonaccrual loans exclude $345.4 million of TDR loans that were in compliance with modified terms and in accrual status as of June 30, 2022.
(6) | Includes $0.4 million of nonaccrual C&I loans with no ACL in the Florida region as of June 30, 2022.
(7) | According to the Corporation's delinquency policy and consistent with the instructions for the preparation of the Consolidated Financial Statements for Bank Holding Companies (FR Y-9C) required by the Federal Reserve Board, residential mortgage, commercial mortgage, and construction loans are considered past due when the borrower is in arrears on two or more monthly payments. FHA/VA government-guaranteed loans, conventional residential mortgage loans, and commercial mortgage loans past due 30-59 days, but less than two payments in arrears, as of June 30, 2022 amounted to $6.7 million, $61.6 million, and $0.7 million, respectively.
As of December 31, 2021 |  |  |  | Days Past Due and Accruing |  |  |  |  |  |  |  |  |
| Current |  | 30-59 |  | 60-89 |  | 90+ (1) (2) (3) |  | Nonaccrual (4) (5) |  | Total loans held for investment |  | Nonaccrual Loans with no ACL (6)
(In thousands) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Residential mortgage loans, mainly secured by first mortgages: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| FHA/VA government-guaranteed loans (1) (3) (7) | $ | 57,522 |  | $ | - |  | $ | 2,355 |  | $ | 65,515 |  | $ | - |  | $ | 125,392 |  | $ | -
| Conventional residential mortgage loans (2) (7) |  | 2,738,111 |  |  | - |  |  | 31,832 |  |  | 28,433 |  |  | 55,127 |  |  | 2,853,503 |  |  | 3,689
Commercial loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| Construction loans |  | 136,317 |  |  | 18 |  |  | - |  |  | - |  |  | 2,664 |  |  | 138,999 |  |  | 1,000
| Commercial mortgage loans (2) (7) |  | 2,129,375 |  |  | 2,402 |  |  | 436 |  |  | 9,919 |  |  | 25,337 |  |  | 2,167,469 |  |  | 8,289
| C&I loans |  | 2,858,397 |  |  | 2,047 |  |  | 1,845 |  |  | 7,827 |  |  | 17,135 |  |  | 2,887,251 |  |  | 11,393
Consumer loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| Auto loans |  | 1,533,445 |  |  | 26,462 |  |  | 4,949 |  |  | - |  |  | 6,684 |  |  | 1,571,540 |  |  | 3,146
| Finance leases |  | 568,606 |  |  | 4,820 |  |  | 713 |  |  | - |  |  | 866 |  |  | 575,005 |  |  | 196
| Personal loans |  | 310,390 |  |  | 3,299 |  |  | 1,285 |  |  | - |  |  | 1,208 |  |  | 316,182 |  |  | -
| Credit cards |  | 282,179 |  |  | 3,158 |  |  | 1,904 |  |  | 2,985 |  |  | - |  |  | 290,226 |  |  | -
| Other consumer loans |  | 130,588 |  |  | 1,996 |  |  | 811 |  |  | - |  |  | 1,696 |  |  | 135,091 |  |  | 20
|  | Total loans held for investment | $ | 10,744,930 |  | $ | 44,202 |  | $ | 46,130 |  | $ | 114,679 |  | $ | 110,717 |  | $ | 11,060,658 |  | $ | 27,733
(1) | It is the Corporation's policy to report delinquent residential mortgage loans insured by the FHA, guaranteed by the VA, and other government-insured loans as past-due loans 90 days and still accruing as opposed to nonaccrual loans since the principal repayment is insured. The Corporation continues accruing interest on these loans until they have passed the 15 months delinquency mark, taking into consideration the FHA interest curtailment process. These balances include $46.6 million of residential mortgage loans insured by the FHA that were over 15 months delinquent.
(2) | Includes PCD loans previously accounted for under ASC Subtopic 310-30 for which the Corporation made the accounting policy election of maintaining pools of loans as “units of account” both at the time of adoption of CECL on January 1, 2020 and on an ongoing basis for credit loss measurement. These loans will continue to be excluded from nonaccrual loan statistics as long as the Corporation can reasonably estimate the timing and amount of cash flows expected to be collected on the loan pools. The portion of such loans contractually past due 90 days or more, amounting to $20.6 million as of December 31, 2021 ($19.1 million conventional residential mortgage loans and $1.5 million commercial mortgage loans), is presented in the loans past due 90 days or more and still accruing category in the table above.
(3) | Include rebooked loans, which were previously pooled into GNMA securities, amounting to $7.2 million as of December 31, 2021. Under the GNMA program, the Corporation has the option but not the obligation to repurchase loans that meet GNMA’s specified delinquency criteria. For accounting purposes, these loans subject to the repurchase option are required to be reflected on the financial statements with an offsetting liability.
(4) | Nonaccrual loans in the Florida region amounted to $8.2 million as of December 31, 2021.
(5) | Nonaccrual loans exclude $363.4 million of TDR loans that were in compliance with modified terms and in accrual status as of December 31, 2021.
(6) | Includes $0.5 million of nonaccrual C&I loans with no ACL in the Florida region as of December 31, 2021.
(7) | According to the Corporation's delinquency policy and consistent with the instructions for the preparation of the Consolidated Financial Statements for Bank Holding Companies (FR Y-9C) required by the Federal Reserve Board, residential mortgage, commercial mortgage, and construction loans are considered past due when the borrower is in arrears on two or more monthly payments. FHA/VA government-guaranteed loans, conventional residential mortgage loans, and commercial mortgage loans past due 30-59 days, but less than two payments in arrears, as of December 31, 2021 amounted to $6.1 million, $66.0 million, and $0.7 million, respectively.
Corporation's Credit Quality Indicators by Loan [Table Text Block] | Based on the most recent analysis performed, the amortized cost of commercial and construction loans by portfolio classes and by origination year based on the internal credit-risk category as of June 30, 2022 and the amortized cost of commercial and construction loans by portfolio classes based on the internal credit-risk category as of December 31, 2021 was as follows:
|  |  |  |  |  | As of June 30, 2022 |  |  |  |  |  |  |  |
Puerto Rico and Virgin Islands region |  | Term Loans |  |  |  |  |  |  |  | As of December 31, 2021
| Amortized Cost Basis by Origination Year (1) |  |  |  |  |  |  |
|  | 2022 |  | 2021 |  | 2020 |  | 2019 |  | 2018 |  | Prior |  | Revolving Loans Amortized Cost Basis |  | Total |  | Total
(In thousands) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
CONSTRUCTION |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| Risk Ratings: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
|  | Pass |  | $ | 4,741 |  | $ | 12,633 |  | $ | 962 |  | $ | - |  | $ | - |  | $ | 3,747 |  | $ | - |  | $ | 22,083 |  | $ | 38,066
|  | Criticized: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
|  |  | Special Mention |  |  | - |  |  | - |  |  | - |  |  | 3 |  |  | - |  |  | - |  |  | - |  |  | 3 |  |  | 765
|  |  | Substandard |  |  | - |  |  | - |  |  | - |  |  | - |  |  | 274 |  |  | 3,117 |  |  | - |  |  | 3,391 |  |  | 4,302
|  |  | Doubtful |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | -
|  |  | Loss |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | -
|  |  |  | Total construction loans |  | $ | 4,741 |  | $ | 12,633 |  | $ | 962 |  | $ | 3 |  | $ | 274 |  | $ | 6,864 |  | $ | - |  | $ | 25,477 |  | $ | 43,133
COMMERCIAL MORTGAGE |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| Risk Ratings: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
|  | Pass |  | $ | 206,946 |  | $ | 156,607 |  | $ | 361,553 |  | $ | 236,728 |  | $ | 192,126 |  | $ | 328,477 |  | $ | 13 |  | $ | 1,482,450 |  | $ | 1,395,569
|  | Criticized: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
|  |  | Special Mention |  |  | 1,345 |  |  | - |  |  | 10,426 |  |  | 84,387 |  |  | 31,055 |  |  | 136,282 |  |  | - |  |  | 263,495 |  |  | 259,263
|  |  | Substandard |  |  | 140 |  |  | 637 |  |  | - |  |  | 2,952 |  |  | 768 |  |  | 34,437 |  |  | - |  |  | 38,934 |  |  | 47,399
|  |  | Doubtful |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | -
|  |  | Loss |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | -
|  |  |  | Total commercial mortgage loans |  | $ | 208,431 |  | $ | 157,244 |  | $ | 371,979 |  | $ | 324,067 |  | $ | 223,949 |  | $ | 499,196 |  | $ | 13 |  | $ | 1,784,879 |  | $ | 1,702,231
COMMERCIAL AND INDUSTRIAL |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| Risk Ratings: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
|  | Pass |  | $ | 57,862 |  | $ | 234,695 |  | $ | 196,485 |  | $ | 333,737 |  | $ | 134,771 |  | $ | 271,681 |  | $ | 542,321 |  | $ | 1,771,552 |  | $ | 1,852,552
|  | Criticized: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
|  |  | Special Mention |  |  | 1,037 |  |  | 9,395 |  |  | 1,293 |  |  | - |  |  | 239 |  |  | 5,696 |  |  | 16,010 |  |  | 33,670 |  |  | 32,650
|  |  | Substandard |  |  | 37 |  |  | 4,138 |  |  | 1,397 |  |  | 14,084 |  |  | 2,015 |  |  | 34,494 |  |  | 7,823 |  |  | 63,988 |  |  | 61,395
|  |  | Doubtful |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | -
|  |  | Loss |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | -
|  |  |  | Total commercial and industrial loans |  | $ | 58,936 |  | $ | 248,228 |  | $ | 199,175 |  | $ | 347,821 |  | $ | 137,025 |  | $ | 311,871 |  | $ | 566,154 |  | $ | 1,869,210 |  | $ | 1,946,597
(1) Excludes accrued interest receivable.
|  |  |  |  |  |  |  |  |  |  |  | As of June 30, 2022 |  |  |  |  |  |  |  |
|  |  |  |  |  |  |  |  |  |  |  | Term Loans |  |  |  |  |  |  |  | As of December 31, 2021
Florida region |  |  |  |  |  |  |  | Amortized Cost Basis by Origination Year (1) |  |  |  |  |  |  |
|  | 2022 |  | 2021 |  | 2020 |  | 2019 |  | 2018 |  | Prior |  | Revolving Loans Amortized Cost Basis |  | Total |  | Total
(In thousands) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
CONSTRUCTION |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| Risk Ratings: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
|  | Pass |  | $ | 45,275 |  | $ | 44,085 |  | $ | - |  | $ | 103 |  | $ | - |  | $ | - |  | $ | 370 |  | $ | 89,833 |  | $ | 95,866
|  | Criticized: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
|  |  | Special Mention |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | -
|  |  | Substandard |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | -
|  |  | Doubtful |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | -
|  |  | Loss |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | -
|  |  |  | Total construction loans |  | $ | 45,275 |  | $ | 44,085 |  | $ | - |  | $ | 103 |  | $ | - |  | $ | - |  | $ | 370 |  | $ | 89,833 |  | $ | 95,866
COMMERCIAL MORTGAGE |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| Risk Ratings: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
|  | Pass |  | $ | 108,137 |  | $ | 80,960 |  | $ | 43,270 |  | $ | 57,206 |  | $ | 83,347 |  | $ | 73,388 |  | $ | 16,955 |  | $ | 463,263 |  | $ | 404,304
|  | Criticized: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
|  |  | Special Mention |  |  | - |  |  | - |  |  | 7,062 |  |  | 13,430 |  |  | - |  |  | - |  |  | - |  |  | 20,492 |  |  | 60,618
|  |  | Substandard |  |  | - |  |  | - |  |  | 1,168 |  |  | - |  |  | - |  |  | 311 |  |  | - |  |  | 1,479 |  |  | 316
|  |  | Doubtful |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | -
|  |  | Loss |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | -
|  |  |  | Total commercial mortgage loans |  | $ | 108,137 |  | $ | 80,960 |  | $ | 51,500 |  | $ | 70,636 |  | $ | 83,347 |  | $ | 73,699 |  | $ | 16,955 |  | $ | 485,234 |  | $ | 465,238
COMMERCIAL AND INDUSTRIAL |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| Risk Ratings: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
|  | Pass |  | $ | 141,496 |  | $ | 188,753 |  | $ | 93,852 |  | $ | 204,060 |  | $ | 56,694 |  | $ | 60,919 |  | $ | 122,712 |  | $ | 868,486 |  | $ | 826,823
|  | Criticized: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
|  |  | Special Mention |  |  | - |  |  | - |  |  | - |  |  | 14,682 |  |  | 13,075 |  |  | 12,363 |  |  | 22,162 |  |  | 62,282 |  |  | 49,946
|  |  | Substandard |  |  | - |  |  | - |  |  | 24,196 |  |  | 33,964 |  |  | - |  |  | 4,444 |  |  | 335 |  |  | 62,939 |  |  | 63,885
|  |  | Doubtful |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | -
|  |  | Loss |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | -
|  |  |  | Total commercial and industrial loans |  | $ | 141,496 |  | $ | 188,753 |  | $ | 118,048 |  | $ | 252,706 |  | $ | 69,769 |  | $ | 77,726 |  | $ | 145,209 |  | $ | 993,707 |  | $ | 940,654
(1) Excludes accrued interest receivable.
|  |  |  |  |  | As of June 30, 2022 |  |  |  |  |  |  |  |
Total |  | Term Loans |  |  |  |  |  |  |  | As of December 31, 2021
|  |  |  |  |  | Amortized Cost Basis by Origination Year (1) |  |  |  |  |  |  |
|  | 2022 |  | 2021 |  | 2020 |  | 2019 |  | 2018 |  | Prior |  | Revolving Loans Amortized Cost Basis |  | Total |  | Total
(In thousands) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
CONSTRUCTION |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| Risk Ratings: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
|  | Pass |  | $ | 50,016 |  | $ | 56,718 |  | $ | 962 |  | $ | 103 |  | $ | - |  | $ | 3,747 |  | $ | 370 |  | $ | 111,916 |  | $ | 133,932
|  | Criticized: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
|  |  | Special Mention |  |  | - |  |  | - |  |  | - |  |  | 3 |  |  | - |  |  | - |  |  | - |  |  | 3 |  |  | 765
|  |  | Substandard |  |  | - |  |  | - |  |  | - |  |  | - |  |  | 274 |  |  | 3,117 |  |  | - |  |  | 3,391 |  |  | 4,302
|  |  | Doubtful |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | -
|  |  | Loss |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | -
|  |  |  | Total construction loans |  | $ | 50,016 |  | $ | 56,718 |  | $ | 962 |  | $ | 106 |  | $ | 274 |  | $ | 6,864 |  | $ | 370 |  | $ | 115,310 |  | $ | 138,999
COMMERCIAL MORTGAGE |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| Risk Ratings: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
|  | Pass |  | $ | 315,083 |  | $ | 237,567 |  | $ | 404,823 |  | $ | 293,934 |  | $ | 275,473 |  | $ | 401,865 |  | $ | 16,968 |  | $ | 1,945,713 |  | $ | 1,799,873
|  | Criticized: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
|  |  | Special Mention |  |  | 1,345 |  |  | - |  |  | 17,488 |  |  | 97,817 |  |  | 31,055 |  |  | 136,282 |  |  | - |  |  | 283,987 |  |  | 319,881
|  |  | Substandard |  |  | 140 |  |  | 637 |  |  | 1,168 |  |  | 2,952 |  |  | 768 |  |  | 34,748 |  |  | - |  |  | 40,413 |  |  | 47,715
|  |  | Doubtful |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | -
|  |  | Loss |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | -
|  |  |  | Total commercial mortgage loans |  | $ | 316,568 |  | $ | 238,204 |  | $ | 423,479 |  | $ | 394,703 |  | $ | 307,296 |  | $ | 572,895 |  | $ | 16,968 |  | $ | 2,270,113 |  | $ | 2,167,469
COMMERCIAL AND INDUSTRIAL |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| Risk Ratings: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
|  | Pass |  | $ | 199,358 |  | $ | 423,448 |  | $ | 290,337 |  | $ | 537,797 |  | $ | 191,465 |  | $ | 332,600 |  | $ | 665,033 |  | $ | 2,640,038 |  | $ | 2,679,375
|  | Criticized: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
|  |  | Special Mention |  |  | 1,037 |  |  | 9,395 |  |  | 1,293 |  |  | 14,682 |  |  | 13,314 |  |  | 18,059 |  |  | 38,172 |  |  | 95,952 |  |  | 82,596
|  |  | Substandard |  |  | 37 |  |  | 4,138 |  |  | 25,593 |  |  | 48,048 |  |  | 2,015 |  |  | 38,938 |  |  | 8,158 |  |  | 126,927 |  |  | 125,280
|  |  | Doubtful |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | -
|  |  | Loss |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | -
|  |  |  | Total commercial and industrial loans |  | $ | 200,432 |  | $ | 436,981 |  | $ | 317,223 |  | $ | 600,527 |  | $ | 206,794 |  | $ | 389,597 |  | $ | 711,363 |  | $ | 2,862,917 |  | $ | 2,887,251
(1) Excludes accrued interest receivable.
The following tables present the amortized cost of residential mortgage loans by origination year based on accrual status as of June 30, 2022, and the amortized cost of residential mortgage loans by accrual status as of December 31, 2021:
|  | As of June 30, 2022 |  |  |  |  |  |  |  | As of December 31, 2021
|  |  |  |  | Term Loans |  |  |  |  |  |  |
|  |  |  |  | Amortized Cost Basis by Origination Year (1) |  |  |  |  |  |  |
(In thousands) |  | 2022 |  | 2021 |  | 2020 |  | 2019 |  | 2018 |  | Prior |  | Revolving Loans Amortized Cost Basis |  | Total |  | Total
Puerto Rico and Virgin Islands Region: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| FHA/VA government-guaranteed loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
|  | Accrual Status: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
|  | Performing |  | $ | - |  | $ | 657 |  | $ | 871 |  | $ | 1,240 |  | $ | 2,924 |  | $ | 114,736 |  | $ | - |  | $ | 120,428 |  | $ | 124,652
|  | Non-Performing |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | -
|  |  | Total FHA/VA government-guaranteed loans |  | $ | - |  | $ | 657 |  | $ | 871 |  | $ | 1,240 |  | $ | 2,924 |  | $ | 114,736 |  | $ | - |  | $ | 120,428 |  | $ | 124,652
| Conventional residential mortgage loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
|  | Accrual Status: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
|  | Performing |  | $ | 78,843 |  | $ | 78,100 |  | $ | 32,608 |  | $ | 50,519 |  | $ | 78,967 |  | $ | 1,966,451 |  | $ | - |  | $ | 2,285,488 |  | $ | 2,376,946
|  | Non-Performing |  |  | - |  |  | 35 |  |  | 77 |  |  | 113 |  |  | 279 |  |  | 38,112 |  |  | - |  |  | 38,616 |  |  | 47,975
|  |  | Total conventional residential mortgage loans |  | $ | 78,843 |  | $ | 78,135 |  | $ | 32,685 |  | $ | 50,632 |  | $ | 79,246 |  | $ | 2,004,563 |  | $ | - |  | $ | 2,324,104 |  | $ | 2,424,921
| Total: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
|  | Accrual Status: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
|  | Performing |  | $ | 78,843 |  | $ | 78,757 |  | $ | 33,479 |  | $ | 51,759 |  | $ | 81,891 |  | $ | 2,081,187 |  | $ | - |  | $ | 2,405,916 |  | $ | 2,501,598
|  | Non-Performing |  |  | - |  |  | 35 |  |  | 77 |  |  | 113 |  |  | 279 |  |  | 38,112 |  |  | - |  |  | 38,616 |  |  | 47,975
|  |  | Total residential mortgage loans in Puerto Rico and Virgin Islands Region |  | $ | 78,843 |  | $ | 78,792 |  | $ | 33,556 |  | $ | 51,872 |  | $ | 82,170 |  | $ | 2,119,299 |  | $ | - |  | $ | 2,444,532 |  | $ | 2,549,573
(1) | Excludes accrued interest receivable.
|  | As of June 30, 2022 |  |  |  |  |  |  |  | As of December 31, 2021
|  |  |  |  | Term Loans |  |  |  |  |  |  |
|  |  |  |  | Amortized Cost Basis by Origination Year (1) |  |  |  |  |  |  |
(In thousands) |  | 2022 |  | 2021 |  | 2020 |  | 2019 |  | 2018 |  | Prior |  | Revolving Loans Amortized Cost Basis |  | Total |  | Total
Florida Region: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| FHA/VA government-guaranteed loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
|  | Accrual Status: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
|  | Performing |  | $ | - |  | $ | - |  | $ | - |  | $ | - |  | $ | - |  | $ | 732 |  | $ | - |  | $ | 732 |  | $ | 740
|  | Non-Performing |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | -
|  |  | Total FHA/VA government-guaranteed loans |  | $ | - |  | $ | - |  | $ | - |  | $ | - |  | $ | - |  | $ | 732 |  | $ | - |  | $ | 732 |  | $ | 740
| Conventional residential mortgage loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
|  | Accrual Status: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
|  | Performing |  | $ | 35,617 |  | $ | 50,948 |  | $ | 33,258 |  | $ | 34,427 |  | $ | 41,198 |  | $ | 205,001 |  | $ | - |  | $ | 400,449 |  | $ | 421,430
|  | Non-Performing |  |  | - |  |  | - |  |  | - |  |  | 281 |  |  | - |  |  | 5,691 |  |  | - |  |  | 5,972 |  |  | 7,152
|  |  | Total conventional residential mortgage loans |  | $ | 35,617 |  | $ | 50,948 |  | $ | 33,258 |  | $ | 34,708 |  | $ | 41,198 |  | $ | 210,692 |  | $ | - |  | $ | 406,421 |  | $ | 428,582
| Total: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
|  | Accrual Status: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
|  | Performing |  | $ | 35,617 |  | $ | 50,948 |  | $ | 33,258 |  | $ | 34,427 |  | $ | 41,198 |  | $ | 205,733 |  | $ | - |  | $ | 401,181 |  | $ | 422,170
|  | Non-Performing |  |  | - |  |  | - |  |  | - |  |  | 281 |  |  | - |  |  | 5,691 |  |  | - |  |  | 5,972 |  |  | 7,152
|  |  | Total residential mortgage loans in Florida region |  | $ | 35,617 |  | $ | 50,948 |  | $ | 33,258 |  | $ | 34,708 |  | $ | 41,198 |  | $ | 211,424 |  | $ | - |  | $ | 407,153 |  | $ | 429,322
(1) | Excludes accrued interest receivable.
|  | As of June 30, 2022 |  |  |  |  |  |  |  | As of December 31, 2021
|  |  |  |  | Term Loans |  |  |  |  |  |  |
|  |  |  |  | Amortized Cost Basis by Origination Year (1) |  |  |  |  |  |  |
(In thousands) |  | 2022 |  | 2021 |  | 2020 |  | 2019 |  | 2018 |  | Prior |  | Revolving Loans Amortized Cost Basis |  | Total |  | Total
Total: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| FHA/VA government-guaranteed loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
|  | Accrual Status: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
|  | Performing |  | $ | - |  | $ | 657 |  | $ | 871 |  | $ | 1,240 |  | $ | 2,924 |  | $ | 115,468 |  | $ | - |  | $ | 121,160 |  | $ | 125,392
|  | Non-Performing |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | -
|  |  | Total FHA/VA government-guaranteed loans |  | $ | - |  | $ | 657 |  | $ | 871 |  | $ | 1,240 |  | $ | 2,924 |  | $ | 115,468 |  | $ | - |  | $ | 121,160 |  | $ | 125,392
| Conventional residential mortgage loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
|  | Accrual Status: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
|  | Performing |  | $ | 114,460 |  | $ | 129,048 |  | $ | 65,866 |  | $ | 84,946 |  | $ | 120,165 |  | $ | 2,171,452 |  | $ | - |  | $ | 2,685,937 |  | $ | 2,798,376
|  | Non-Performing |  |  | - |  |  | 35 |  |  | 77 |  |  | 394 |  |  | 279 |  |  | 43,803 |  |  | - |  |  | 44,588 |  |  | 55,127
|  |  | Total conventional residential mortgage loans |  | $ | 114,460 |  | $ | 129,083 |  | $ | 65,943 |  | $ | 85,340 |  | $ | 120,444 |  | $ | 2,215,255 |  | $ | - |  | $ | 2,730,525 |  | $ | 2,853,503
| Total: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
|  | Accrual Status: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
|  | Performing |  | $ | 114,460 |  | $ | 129,705 |  | $ | 66,737 |  | $ | 86,186 |  | $ | 123,089 |  | $ | 2,286,920 |  | $ | - |  | $ | 2,807,097 |  | $ | 2,923,768
|  | Non-Performing |  |  | - |  |  | 35 |  |  | 77 |  |  | 394 |  |  | 279 |  |  | 43,803 |  |  | - |  |  | 44,588 |  |  | 55,127
|  |  | Total residential mortgage loans |  | $ | 114,460 |  | $ | 129,740 |  | $ | 66,814 |  | $ | 86,580 |  | $ | 123,368 |  | $ | 2,330,723 |  | $ | - |  | $ | 2,851,685 |  | $ | 2,978,895
(1) | Excludes accrued interest receivable.
The following tables present the amortized cost of consumer loans by origination year based on accrual status as of June 30, 2022 and the amortized cost of consumer loans by accrual status as of December 31, 2021:
|  | As of June 30, 2022 |  |  |  |  |  |  |  | As of December 31, 2021
|  |  |  |  | Term Loans |  |  |  |  |  |  |
|  |  |  |  | Amortized Cost Basis by Origination Year (1) |  |  |  |  |  |  |
(In thousands) |  | 2022 |  | 2021 |  | 2020 |  | 2019 |  | 2018 |  | Prior |  | Revolving Loans Amortized Cost Basis |  | Total |  | Total
Puerto Rico and Virgin Islands Region: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| Auto loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
|  | Accrual Status: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
|  | Performing |  | $ | 379,265 |  | $ | 579,362 |  | $ | 298,766 |  | $ | 250,492 |  | $ | 126,132 |  | $ | 63,509 |  | $ | - |  | $ | 1,697,526 |  | $ | 1,556,097
|  | Non-Performing |  |  | 65 |  |  | 1,170 |  |  | 883 |  |  | 1,810 |  |  | 1,415 |  |  | 1,504 |  |  | - |  |  | 6,847 |  |  | 6,684
|  |  | Total auto loans |  | $ | 379,330 |  | $ | 580,532 |  | $ | 299,649 |  | $ | 252,302 |  | $ | 127,547 |  | $ | 65,013 |  | $ | - |  | $ | 1,704,373 |  | $ | 1,562,781
| Finance leases: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
|  | Accrual Status: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
|  | Performing |  | $ | 140,447 |  | $ | 210,366 |  | $ | 100,710 |  | $ | 96,801 |  | $ | 60,908 |  | $ | 23,502 |  | $ | - |  | $ | 632,734 |  | $ | 574,139
|  | Non-Performing |  |  | - |  |  | 120 |  |  | 166 |  |  | 238 |  |  | 282 |  |  | 241 |  |  | - |  |  | 1,047 |  |  | 866
|  |  | Total finance leases |  | $ | 140,447 |  | $ | 210,486 |  | $ | 100,876 |  | $ | 97,039 |  | $ | 61,190 |  | $ | 23,743 |  | $ | - |  | $ | 633,781 |  | $ | 575,005
| Personal loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
|  | Accrual Status: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
|  | Performing |  | $ | 87,793 |  | $ | 70,988 |  | $ | 39,484 |  | $ | 72,802 |  | $ | 32,609 |  | $ | 22,191 |  | $ | - |  | $ | 325,867 |  | $ | 314,867
|  | Non-Performing |  |  | 6 |  |  | 157 |  |  | 107 |  |  | 362 |  |  | 145 |  |  | 116 |  |  | - |  |  | 893 |  |  | 1,208
|  |  | Total personal loans |  | $ | 87,799 |  | $ | 71,145 |  | $ | 39,591 |  | $ | 73,164 |  | $ | 32,754 |  | $ | 22,307 |  | $ | - |  | $ | 326,760 |  | $ | 316,075
| Credit cards: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
|  | Accrual Status: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
|  | Performing |  | $ | - |  | $ | - |  | $ | - |  | $ | - |  | $ | - |  | $ | - |  | $ | 297,289 |  | $ | 297,289 |  | $ | 290,226
|  | Non-Performing |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | -
|  |  | Total credit cards |  | $ | - |  | $ | - |  | $ | - |  | $ | - |  | $ | - |  | $ | - |  | $ | 297,289 |  | $ | 297,289 |  | $ | 290,226
| Other consumer loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
|  | Accrual Status: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
|  | Performing |  | $ | 44,438 |  | $ | 34,988 |  | $ | 12,563 |  | $ | 17,666 |  | $ | 6,089 |  | $ | 5,682 |  | $ | 8,676 |  | $ | 130,102 |  | $ | 126,734
|  | Non-Performing |  |  | 38 |  |  | 256 |  |  | 113 |  |  | 191 |  |  | 36 |  |  | 551 |  |  | 139 |  |  | 1,324 |  |  | 1,563
|  |  | Total other consumer loans |  | $ | 44,476 |  | $ | 35,244 |  | $ | 12,676 |  | $ | 17,857 |  | $ | 6,125 |  | $ | 6,233 |  | $ | 8,815 |  | $ | 131,426 |  | $ | 128,297
| Total: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
|  | Performing |  | $ | 651,943 |  | $ | 895,704 |  | $ | 451,523 |  | $ | 437,761 |  | $ | 225,738 |  | $ | 114,884 |  | $ | 305,965 |  | $ | 3,083,518 |  | $ | 2,862,063
|  | Non-Performing |  |  | 109 |  |  | 1,703 |  |  | 1,269 |  |  | 2,601 |  |  | 1,878 |  |  | 2,412 |  |  | 139 |  |  | 10,111 |  |  | 10,321
|  |  | Total consumer loans in Puerto Rico and Virgin Islands region |  | $ | 652,052 |  | $ | 897,407 |  | $ | 452,792 |  | $ | 440,362 |  | $ | 227,616 |  | $ | 117,296 |  | $ | 306,104 |  | $ | 3,093,629 |  | $ | 2,872,384
(1) | Excludes accrued interest receivable.
|  | As of June 30, 2022 |  |  |  |  |  |  |  | As of December 31, 2021
|  |  |  |  | Term Loans |  |  |  |  |  |  |
|  |  |  |  | Amortized Cost Basis by Origination Year (1) |  |  |  |  |  |  |
(In thousands) |  | 2022 |  | 2021 |  | 2020 |  | 2019 |  | 2018 |  | Prior |  | Revolving Loans Amortized Cost Basis |  | Total |  | Total
Florida Region: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| Auto loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
|  | Accrual Status: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
|  | Performing |  | $ | - |  | $ | - |  | $ | - |  | $ | 444 |  | $ | 3,358 |  | $ | 1,985 |  | $ | - |  | $ | 5,787 |  | $ | 8,759
|  | Non-Performing |  |  | - |  |  | - |  |  | - |  |  | 7 |  |  | 48 |  |  | 14 |  |  | - |  |  | 69 |  |  | -
|  |  | Total auto loans |  | $ | - |  | $ | - |  | $ | - |  | $ | 451 |  | $ | 3,406 |  | $ | 1,999 |  | $ | - |  | $ | 5,856 |  | $ | 8,759
| Finance leases: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
|  | Accrual Status: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
|  | Performing |  | $ | - |  | $ | - |  | $ | - |  | $ | - |  | $ | - |  | $ | - |  | $ | - |  | $ | - |  | $ | -
|  | Non-Performing |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | -
|  |  | Total finance leases |  | $ | - |  | $ | - |  | $ | - |  | $ | - |  | $ | - |  | $ | - |  | $ | - |  | $ | - |  | $ | -
| Personal loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
|  | Accrual Status: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
|  | Performing |  | $ | 298 |  | $ | 72 |  | $ | 16 |  | $ | - |  | $ | - |  | $ | - |  | $ | - |  | $ | 386 |  | $ | 107
|  | Non-Performing |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | -
|  |  | Total personal loans |  | $ | 298 |  | $ | 72 |  | $ | 16 |  | $ | - |  | $ | - |  | $ | - |  | $ | - |  | $ | 386 |  | $ | 107
| Credit cards: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
|  | Accrual Status: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
|  | Performing |  | $ | - |  | $ | - |  | $ | - |  | $ | - |  | $ | - |  | $ | - |  | $ | - |  | $ | - |  | $ | -
|  | Non-Performing |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | -
|  |  | Total credit cards |  | $ | - |  | $ | - |  | $ | - |  | $ | - |  | $ | - |  | $ | - |  | $ | - |  | $ | - |  | $ | -
| Other consumer loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
|  | Accrual Status: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
|  | Performing |  | $ | 50 |  | $ | 234 |  | $ | 473 |  | $ | - |  | $ | 40 |  | $ | 3,032 |  | $ | 3,014 |  | $ | 6,843 |  | $ | 6,661
|  | Non-Performing |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | 23 |  |  | 112 |  |  | 135 |  |  | 133
|  |  | Total other consumer loans |  | $ | 50 |  | $ | 234 |  | $ | 473 |  | $ | - |  | $ | 40 |  | $ | 3,055 |  | $ | 3,126 |  | $ | 6,978 |  | $ | 6,794
| Total: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
|  | Performing |  | $ | 348 |  | $ | 306 |  | $ | 489 |  | $ | 444 |  | $ | 3,398 |  | $ | 5,017 |  | $ | 3,014 |  | $ | 13,016 |  | $ | 15,527
|  | Non-Performing |  |  | - |  |  | - |  |  | - |  |  | 7 |  |  | 48 |  |  | 37 |  |  | 112 |  |  | 204 |  |  | 133
|  |  | Total consumer loans in Florida region |  | $ | 348 |  | $ | 306 |  | $ | 489 |  | $ | 451 |  | $ | 3,446 |  | $ | 5,054 |  | $ | 3,126 |  | $ | 13,220 |  | $ | 15,660
(1) | Excludes accrued interest receivable.
|  | As of June 30, 2022 |  |  |  |  |  |  |  | As of December 31, 2021
|  |  |  |  | Term Loans |  |  |  |  |  |  |
|  |  |  |  | Amortized Cost Basis by Origination Year (1) |  |  |  |  |  |  |
(In thousands) |  | 2022 |  | 2021 |  | 2020 |  | 2019 |  | 2018 |  | Prior |  | Revolving Loans Amortized Cost Basis |  | Total |  | Total
Total: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| Auto loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
|  | Accrual Status: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
|  | Performing |  | $ | 379,265 |  | $ | 579,362 |  | $ | 298,766 |  | $ | 250,936 |  | $ | 129,490 |  | $ | 65,494 |  | $ | - |  | $ | 1,703,313 |  | $ | 1,564,856
|  | Non-Performing |  |  | 65 |  |  | 1,170 |  |  | 883 |  |  | 1,817 |  |  | 1,463 |  |  | 1,518 |  |  | - |  |  | 6,916 |  |  | 6,684
|  |  | Total auto loans |  | $ | 379,330 |  | $ | 580,532 |  | $ | 299,649 |  | $ | 252,753 |  | $ | 130,953 |  | $ | 67,012 |  | $ | - |  | $ | 1,710,229 |  | $ | 1,571,540
| Finance leases: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
|  | Accrual Status: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
|  | Performing |  | $ | 140,447 |  | $ | 210,366 |  | $ | 100,710 |  | $ | 96,801 |  | $ | 60,908 |  | $ | 23,502 |  | $ | - |  | $ | 632,734 |  | $ | 574,139
|  | Non-Performing |  |  | - |  |  | 120 |  |  | 166 |  |  | 238 |  |  | 282 |  |  | 241 |  |  | - |  |  | 1,047 |  |  | 866
|  |  | Total finance leases |  | $ | 140,447 |  | $ | 210,486 |  | $ | 100,876 |  | $ | 97,039 |  | $ | 61,190 |  | $ | 23,743 |  | $ | - |  | $ | 633,781 |  | $ | 575,005
| Personal loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
|  | Accrual Status: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
|  | Performing |  | $ | 88,091 |  | $ | 71,060 |  | $ | 39,500 |  | $ | 72,802 |  | $ | 32,609 |  | $ | 22,191 |  | $ | - |  | $ | 326,253 |  | $ | 314,974
|  | Non-Performing |  |  | 6 |  |  | 157 |  |  | 107 |  |  | 362 |  |  | 145 |  |  | 116 |  |  | - |  |  | 893 |  |  | 1,208
|  |  | Total personal loans |  | $ | 88,097 |  | $ | 71,217 |  | $ | 39,607 |  | $ | 73,164 |  | $ | 32,754 |  | $ | 22,307 |  | $ | - |  | $ | 327,146 |  | $ | 316,182
| Credit cards: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
|  | Accrual Status: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
|  | Performing |  | $ | - |  | $ | - |  | $ | - |  | $ | - |  | $ | - |  | $ | - |  | $ | 297,289 |  | $ | 297,289 |  | $ | 290,226
|  | Non-Performing |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | -
|  |  | Total credit cards |  | $ | - |  | $ | - |  | $ | - |  | $ | - |  | $ | - |  | $ | - |  | $ | 297,289 |  | $ | 297,289 |  | $ | 290,226
| Other consumer loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
|  | Accrual Status: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
|  | Performing |  | $ | 44,488 |  | $ | 35,222 |  | $ | 13,036 |  | $ | 17,666 |  | $ | 6,129 |  | $ | 8,714 |  | $ | 11,690 |  | $ | 136,945 |  | $ | 133,395
|  | Non-Performing |  |  | 38 |  |  | 256 |  |  | 113 |  |  | 191 |  |  | 36 |  |  | 574 |  |  | 251 |  |  | 1,459 |  |  | 1,696
|  |  | Total other consumer loans |  | $ | 44,526 |  | $ | 35,478 |  | $ | 13,149 |  | $ | 17,857 |  | $ | 6,165 |  | $ | 9,288 |  | $ | 11,941 |  | $ | 138,404 |  | $ | 135,091
| Total: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
|  | Performing |  | $ | 652,291 |  | $ | 896,010 |  | $ | 452,012 |  | $ | 438,205 |  | $ | 229,136 |  | $ | 119,901 |  | $ | 308,979 |  | $ | 3,096,534 |  | $ | 2,877,590
|  | Non-Performing |  |  | 109 |  |  | 1,703 |  |  | 1,269 |  |  | 2,608 |  |  | 1,926 |  |  | 2,449 |  |  | 251 |  |  | 10,315 |  |  | 10,454
|  |  | Total consumer loans |  | $ | 652,400 |  | $ | 897,713 |  | $ | 453,281 |  | $ | 440,813 |  | $ | 231,062 |  | $ | 122,350 |  | $ | 309,230 |  | $ | 3,106,849 |  | $ | 2,888,044
(1) | Excludes accrued interest receivable.
Collateral Pledged [Member] |
Accounts, Notes, Loans and Financing Receivable [Line Items] |
Loan Portfolio Held for Investment [Table Text Block] |
June 30, 2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |
|  |  | Collateral Dependent Loans - With Allowance |  | Collateral Dependent Loans - With No Related Allowance |  | Collateral Dependent Loans - Total
| Amortized Cost |  | Related Allowance |  | Amortized Cost |  | Amortized Cost |  | Related Allowance
(In thousands) |  |  |  |  |  |  |  |  |  |  |  |  |  |
Residential mortgage loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |
| FHA/VA government-guaranteed loans | $ | - |  | $ | - |  | $ | - |  | $ | - |  | $ | -
| Conventional residential mortgage loans |  | 41,823 |  |  | 3,122 |  |  | 818 |  |  | 42,641 |  |  | 3,122
Commercial loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |
| Construction loans |  | - |  |  | - |  |  | 1,230 |  |  | 1,230 |  |  | -
| Commercial mortgage loans |  | 11,748 |  |  | 1,707 |  |  | 54,807 |  |  | 66,555 |  |  | 1,707
| C&I loans |  | 17,937 |  |  | 3,029 |  |  | 20,791 |  |  | 38,728 |  |  | 3,029
Consumer loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |
| Auto loans |  | - |  |  | - |  |  | - |  |  | - |  |  | -
| Finance leases |  | - |  |  | - |  |  | - |  |  | - |  |  | -
| Personal loans |  | 57 |  |  | 1 |  |  | - |  |  | 57 |  |  | 1
| Credit cards |  | - |  |  | - |  |  | - |  |  | - |  |  | -
| Other consumer loans |  | 568 |  |  | 75 |  |  | - |  |  | 568 |  |  | 75
|  | $ | 72,133 |  | $ | 7,934 |  | $ | 77,646 |  | $ | 149,779 |  | $ | 7,934
December 31, 2021 |  |  |  |  |  |  |  |  |  |  |  |  |  |
|  |  | Collateral Dependent Loans - With Allowance |  | Collateral Dependent Loans - With No Related Allowance |  | Collateral Dependent Loans - Total
| Amortized Cost |  | Related Allowance |  | Amortized Cost |  | Amortized Cost |  | Related Allowance
(In thousands) |  |  |  |  |  |  |  |  |  |  |  |  |  |
Residential mortgage loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |
| FHA/VA government-guaranteed loans | $ | - |  | $ | - |  | $ | - |  | $ | - |  | $ | -
| Conventional residential mortgage loans |  | 51,771 |  |  | 3,966 |  |  | 781 |  |  | 52,552 |  |  | 3,966
Commercial loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |
| Construction loans |  | - |  |  | - |  |  | 1,797 |  |  | 1,797 |  |  | -
| Commercial mortgage loans |  | 9,908 |  |  | 1,152 |  |  | 56,361 |  |  | 66,269 |  |  | 1,152
| C&I loans |  | 5,781 |  |  | 670 |  |  | 34,043 |  |  | 39,824 |  |  | 670
Consumer loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |
| Auto loans |  | - |  |  | - |  |  | - |  |  | - |  |  | -
| Finance leases |  | - |  |  | - |  |  | - |  |  | - |  |  | -
| Personal loans |  | 78 |  |  | 1 |  |  | - |  |  | 78 |  |  | 1
| Credit cards |  | - |  |  | - |  |  | - |  |  | - |  |  | -
| Other consumer loans |  | 782 |  |  | 98 |  |  | - |  |  | 782 |  |  | 98
|  | $ | 68,320 |  | $ | 5,887 |  | $ | 92,982 |  | $ | 161,302 |  | $ | 5,887
TDR [Member] |
Accounts, Notes, Loans and Financing Receivable [Line Items] |
Troubled Debt Restructurings On Financing Receivables Table [Text Block] | The following tables present TDR loans completed during the quarters and six-month periods ended June 30, 2022 and 2021:
|  |  | Quarter Ended June 30, 2022
| Interest rate below market |  | Maturity or term extension |  | Combination of reduction in interest rate and extension of maturity |  | Forgiveness of principal and/or interest |  | Forbearance Agreement |  | Other (1) |  | Total
(In thousands) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
TDRs: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Conventional residential mortgage loans | $ | - |  | $ | 621 |  | $ | - |  | $ | - |  | $ | - |  | $ | 830 |  | $ | 1,451
Construction loans |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | -
Commercial mortgage loans |  | - |  |  | 245 |  |  | 5,178 |  |  | - |  |  | - |  |  | 467 |  |  | 5,890
C&I loans |  | 400 |  |  | - |  |  | - |  |  | 825 |  |  | - |  |  | 1,078 |  |  | 2,303
Consumer loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| Auto loans |  | 667 |  |  | 30 |  |  | 33 |  |  | - |  |  | - |  |  | - |  |  | 730
| Finance leases |  | - |  |  | 123 |  |  | - |  |  | - |  |  | - |  |  | - |  |  | 123
| Personal loans |  | 99 |  |  | - |  |  | 8 |  |  | - |  |  | - |  |  | - |  |  | 107
| Credit cards |  | - |  |  | - |  |  | 206 |  |  | - |  |  | - |  |  | - |  |  | 206
| Other consumer loans |  | 50 |  |  | 26 |  |  | - |  |  | 9 |  |  | - |  |  | - |  |  | 85
|  | Total TDRs | $ | 1,216 |  | $ | 1,045 |  | $ | 5,425 |  | $ | 834 |  | $ | - |  | $ | 2,375 |  | $ | 10,895
(1) | Other concessions granted by the Corporation include deferral of principal and/or interest payments for a period longer than what would be considered insignificant, payment plans under judicial stipulation, or a combination of two or more of the concessions listed in the table. Amounts included in Other that represent a combination of concessions are excluded from the amounts reported in the column for such individual concessions.
|  |  | Six-Month Period Ended June 30, 2022
| Interest rate below market |  | Maturity or term extension |  | Combination of reduction in interest rate and extension of maturity |  | Forgiveness of principal and/or interest |  | Forbearance Agreement |  | Other (1) |  | Total
(In thousands) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
TDRs: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Conventional residential mortgage loans | $ | 215 |  | $ | 1,352 |  | $ | 190 |  | $ | - |  | $ | - |  | $ | 2,687 |  | $ | 4,444
Construction loans |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | -
Commercial mortgage loans |  | - |  |  | 245 |  |  | 5,178 |  |  | - |  |  | - |  |  | 467 |  |  | 5,890
C&I loans |  | 400 |  |  | - |  |  | - |  |  | 825 |  |  | - |  |  | 1,083 |  |  | 2,308
Consumer loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| Auto loans |  | 667 |  |  | 30 |  |  | 33 |  |  | - |  |  | - |  |  | 993 |  |  | 1,723
| Finance leases |  | - |  |  | 123 |  |  | - |  |  | - |  |  | - |  |  | 264 |  |  | 387
| Personal loans |  | 99 |  |  | - |  |  | 8 |  |  | - |  |  | - |  |  | 78 |  |  | 185
| Credit cards |  | - |  |  | - |  |  | 395 |  |  | - |  |  | - |  |  | - |  |  | 395
| Other consumer loans |  | 83 |  |  | 132 |  |  | - |  |  | 18 |  |  | - |  |  | - |  |  | 233
|  | Total TDRs | $ | 1,464 |  | $ | 1,882 |  | $ | 5,804 |  | $ | 843 |  | $ | - |  | $ | 5,572 |  | $ | 15,565
(1) | Other concessions granted by the Corporation include deferral of principal and/or interest payments for a period longer than what would be considered insignificant, payment plans under judicial stipulation, or a combination of two or more of the concessions listed in the table. Amounts included in Other that represent a combination of concessions are excluded from the amounts reported in the column for such individual concessions.
|  |  | Quarter Ended June 30, 2021
| Interest rate below market |  | Maturity or term extension |  | Combination of reduction in interest rate and extension of maturity |  | Forgiveness of principal and/or interest |  | Forbearance Agreement |  | Other (1) |  | Total
(In thousands) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
TDRs: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Conventional residential mortgage loans | $ | 20 |  | $ | - |  | $ | 934 |  | $ | - |  | $ | - |  | $ | 577 |  | $ | 1,531
Construction loans |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | -
Commercial mortgage loans |  | - |  |  | - |  |  | 90 |  |  | - |  |  | - |  |  | 442 |  |  | 532
C&I loans |  | - |  |  | 300 |  |  | - |  |  | - |  |  | - |  |  | 171 |  |  | 471
Consumer loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| Auto loans |  | 24 |  |  | - |  |  | 27 |  |  | - |  |  | - |  |  | 575 |  |  | 626
| Finance leases |  | - |  |  | 49 |  |  | - |  |  | - |  |  | - |  |  | 124 |  |  | 173
| Personal loans |  | - |  |  | 15 |  |  | 31 |  |  | - |  |  | - |  |  | 161 |  |  | 207
| Credit cards |  | - |  |  | - |  |  | 530 |  |  | - |  |  | - |  |  | - |  |  | 530
| Other consumer loans |  | 12 |  |  | 12 |  |  | - |  |  | 25 |  |  | - |  |  | - |  |  | 49
|  | Total TDRs | $ | 56 |  | $ | 376 |  | $ | 1,612 |  | $ | 25 |  | $ | - |  | $ | 2,050 |  | $ | 4,119
(1) | Other concessions granted by the Corporation include deferral of principal and/or interest payments for a period longer than what would be considered insignificant, payment plans under judicial stipulation, or a combination of two or more of the concessions listed in the table. Amounts included in Other that represent a combination of concessions are excluded from the amounts reported in the column for such individual concessions.
|  |  | Six-Month Period Ended June 30, 2021
| Interest rate below market |  | Maturity or term extension |  | Combination of reduction in interest rate and extension of maturity |  | Forgiveness of principal and/or interest |  | Forbearance Agreement |  | Other (1) |  | Total
(In thousands) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
TDRs: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Conventional residential mortgage loans | $ | 20 |  | $ | - |  | $ | 1,513 |  | $ | - |  | $ | - |  | $ | 1,264 |  | $ | 2,797
Construction loans |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | -
Commercial mortgage loans |  | - |  |  | - |  |  | 255 |  |  | - |  |  | - |  |  | 442 |  |  | 697
C&I loans |  | - |  |  | 300 |  |  | - |  |  | - |  |  | - |  |  | 171 |  |  | 471
Consumer loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| Auto loans |  | 24 |  |  | - |  |  | 27 |  |  | - |  |  | - |  |  | 1,390 |  |  | 1,441
| Finance leases |  | - |  |  | 49 |  |  | - |  |  | - |  |  | - |  |  | 312 |  |  | 361
| Personal loans |  | - |  |  | 15 |  |  | 31 |  |  | - |  |  | - |  |  | 187 |  |  | 233
| Credit cards |  | - |  |  | - |  |  | 964 |  |  | - |  |  | - |  |  | - |  |  | 964
| Other consumer loans |  | 28 |  |  | 40 |  |  | - |  |  | 46 |  |  | - |  |  | 60 |  |  | 174
|  | Total TDRs | $ | 72 |  | $ | 404 |  | $ | 2,790 |  | $ | 46 |  | $ | - |  | $ | 3,826 |  | $ | 7,138
(1) | Other concessions granted by the Corporation include deferral of principal and/or interest payments for a period longer than what would be considered insignificant, payment plans under judicial stipulation, or a combination of two or more of the concessions listed in the table. Amounts included in Other that represent a combination of concessions are excluded from the amounts reported in the column for such individual concessions.
|  |  | Quarter Ended June 30, 2022 |  | Quarter Ended June 30, 2021
| Number of contracts |  | Pre-modification Amortized Cost |  | Post-modification Amortized Cost |  | Number of contracts |  | Pre-modification Amortized Cost |  | Post-modification Amortized Cost
(Dollars in thousands) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
TDRs: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Conventional residential mortgage loans | 14 |  | $ | 1,452 |  | $ | 1,451 |  | 14 |  | $ | 1,531 |  | $ | 1,531
Construction loans | - |  |  | - |  |  | - |  | - |  |  | - |  |  | -
Commercial mortgage loans | 3 |  |  | 5,897 |  |  | 5,890 |  | 2 |  |  | 493 |  |  | 532
C&I loans | 11 |  |  | 2,531 |  |  | 2,303 |  | 2 |  |  | 594 |  |  | 471
Consumer loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| Auto loans | 37 |  |  | 727 |  |  | 730 |  | 34 |  |  | 622 |  |  | 626
| Finance leases | 8 |  |  | 123 |  |  | 123 |  | 10 |  |  | 171 |  |  | 173
| Personal loans | 7 |  |  | 107 |  |  | 107 |  | 17 |  |  | 201 |  |  | 207
| Credit Cards | 45 |  |  | 206 |  |  | 206 |  | 98 |  |  | 530 |  |  | 530
| Other consumer loans | 21 |  |  | 82 |  |  | 85 |  | 11 |  |  | 49 |  |  | 49
|  | Total TDRs | 146 |  | $ | 11,125 |  | $ | 10,895 |  | 188 |  | $ | 4,191 |  | $ | 4,119
|  |  | Six-Month Period Ended June 30, 2022 |  | Six-Month Period Ended June 30, 2021
| Number of contracts |  | Pre-modification Amortized Cost |  | Post-modification Amortized Cost |  | Number of contracts |  | Pre-modification Amortized Cost |  | Post-modification Amortized Cost
(Dollars in thousands) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
TDRs: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Conventional residential mortgage loans | 37 |  | $ | 4,448 |  | $ | 4,444 |  | 25 |  | $ | 2,898 |  | $ | 2,797
Construction loans | - |  |  | - |  |  | - |  | - |  |  | - |  |  | -
Commercial mortgage loans | 3 |  |  | 5,897 |  |  | 5,890 |  | 4 |  |  | 658 |  |  | 697
C&I loans | 12 |  |  | 2,536 |  |  | 2,308 |  | 2 |  |  | 594 |  |  | 471
Consumer loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| Auto loans | 88 |  |  | 1,722 |  |  | 1,723 |  | 79 |  |  | 1,440 |  |  | 1,441
| Finance leases | 21 |  |  | 387 |  |  | 387 |  | 23 |  |  | 360 |  |  | 361
| Personal loans | 12 |  |  | 185 |  |  | 185 |  | 23 |  |  | 227 |  |  | 233
| Credit Cards | 89 |  |  | 395 |  |  | 395 |  | 163 |  |  | 964 |  |  | 964
| Other consumer loans | 48 |  |  | 228 |  |  | 233 |  | 41 |  |  | 174 |  |  | 174
|  | Total TDRs | 310 |  | $ | 15,798 |  | $ | 15,565 |  | 360 |  | $ | 7,315 |  | $ | 7,138
Loan modifications considered TDR loans that defaulted (failure by the borrower to make payments of either principal, interest, or both for a period of 90 days or more) during the quarters and six-month periods ended June 30, 2022 and 2021, and had become TDR loans during the 12-months preceding the default date, were as follows:
|  |  | Quarter Ended June 30, 2022 |  | Quarter Ended June 30, 2021
| Number of contracts |  | Amortized Cost |  | Number of contracts |  | Amortized Cost
(Dollars in thousands) |  |  |  |  |  |  |  |  |
Conventional residential mortgage loans | 1 |  | $ | 95 |  | - |  | $ | -
Construction loans | - |  |  | - |  | - |  |  | -
Commercial mortgage loans | - |  |  | - |  | - |  |  | -
C&I loans | - |  |  | - |  | - |  |  | -
Consumer loans: |  |  |  |  |  |  |  |  |
| Auto loans | 20 |  |  | 376 |  | 17 |  |  | 174
| Finance leases | - |  |  | - |  | - |  |  | -
| Personal loans | - |  |  | - |  | - |  |  | -
| Credit cards | 14 |  |  | 62 |  | 11 |  |  | 86
| Other consumer loans | 2 |  |  | 6 |  | 2 |  |  | 3
|  | Total | 37 |  | $ | 539 |  | 30 |  | $ | 263
|  |  | Six-Month Period Ended June 30, 2022 |  | Six-Month Period Ended June 30, 2021
| Number of contracts |  | Amortized Cost |  | Number of contracts |  | Amortized Cost
(Dollars in thousands) |  |  |  |  |  |  |  |  |
Conventional residential mortgage loans | 4 |  | $ | 484 |  | 2 |  | $ | 178
Construction loans | - |  |  | - |  | - |  |  | -
Commercial mortgage loans | - |  |  | - |  | - |  |  | -
C&I loans | - |  |  | - |  | - |  |  | -
Consumer loans: |  |  |  |  |  |  |  |  |
| Auto loans | 44 |  |  | 898 |  | 46 |  |  | 731
| Finance leases | 1 |  |  | 16 |  | - |  |  | -
| Personal loans | - |  |  | - |  | - |  |  | -
| Credit cards | 25 |  |  | 141 |  | 12 |  |  | 93
| Other consumer loans | 4 |  |  | 17 |  | 9 |  |  | 36
|  | Total | 78 |  | $ | 1,556 |  | 69 |  | $ | 1,038

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