Schedule of segments of the company's loan portfolio


(000’s omitted)	2023		2022
CRE - multifamily	$	619,794	$	484,773
CRE – owner occupied		752,774		722,387
CRE – non-owner occupied		1,711,198		1,431,720
Commercial & industrial and other business loans		1,000,630		1,006,785
Consumer mortgage		3,285,018		3,012,475
Consumer indirect		1,703,440		1,539,653
Consumer direct		185,229		177,605
Home equity		446,515		433,996
Gross loans, including deferred origination costs		9,704,598		8,809,394
Allowance for credit losses		(66,669)		(61,059)
Loans, net of allowance for credit losses	$	9,637,929	$	8,748,335

Schedule of aging of the amortized cost basis


	Past Due		90+ Days Past
(000’s omitted)	30 – 89		Due and				Total
December 31, 2023	Days		Still Accruing		Nonaccrual		Past Due		Current		Total Loans
CRE – multifamily	$	0	$	0	$	0	$	0	$	619,794	$	619,794
CRE – owner occupied		1,477		0		1,953		3,430		749,344		752,774
CRE – non-owner occupied		2,311		0		17,964		20,275		1,690,923		1,711,198
Commercial & industrial and other business loans		880		0		336		1,216		999,414		1,000,630
Consumer mortgage		18,434		4,559		26,043		49,036		3,235,982		3,285,018
Consumer indirect		20,215		776		0		20,991		1,682,449		1,703,440
Consumer direct		1,579		135		23		1,737		183,492		185,229
Home equity		3,546		416		2,368		6,330		440,185		446,515
Total	$	48,442	$	5,886	$	48,687	$	103,015	$	9,601,583	$	9,704,598


	Past Due		90+ Days Past
(000’s omitted)	30 – 89		Due and				Total
December 31, 2022	Days		Still Accruing		Nonaccrual		Past Due		Current		Total Loans
CRE – multifamily	$	0	$	0	$	0	$	0	$	484,773	$	484,773
CRE – owner occupied		2,332		0		2,977		5,309		717,078		722,387
CRE – non-owner occupied		5,703		0		1,365		7,068		1,424,652		1,431,720
Commercial & industrial and other business loans		1,783		0		347		2,130		1,004,655		1,006,785
Consumer mortgage		13,757		3,510		22,583		39,850		2,972,625		3,012,475
Consumer indirect		16,767		178		0		16,945		1,522,708		1,539,653
Consumer direct		1,307		132		28		1,467		176,138		177,605
Home equity		3,595		299		1,945		5,839		428,157		433,996
Total	$	45,244	$	4,119	$	29,245	$	78,608	$	8,730,786	$	8,809,394

Schedule of allowance for loan losses by class


	Year Ended December 31, 2023
	Beginning		Charge-						Ending
(000’s omitted)	balance		offs		Recoveries		Provision		balance
Business lending	$	23,297	$	(784)	$	523	$	3,818	$	26,854
Consumer mortgage		14,343		(669)		48		1,611		15,333
Consumer indirect		17,852		(9,352)		5,719		4,366		18,585
Consumer direct		2,973		(2,009)		826		1,479		3,269
Home equity		1,594		(119)		14		139		1,628
Unallocated		1,000		0		0		0		1,000
Allowance for credit losses – loans		61,059		(12,933)		7,130		11,413		66,669
Liabilities for off-balance-sheet credit exposures		1,123		0		0		(210)		913
Total allowance for credit losses	$	62,182	$	(12,933)	$	7,130	$	11,203	$	67,582


	Year Ended December 31, 2022
							PCD
	Beginning		Charge-				Allowance at				Ending
(000’s omitted)	balance		offs		Recoveries		acquisition		Provision		balance
Business lending	$	22,995	$	(824)	$	1,374	$	71	$	(319)	$	23,297
Consumer mortgage		10,017		(313)		62		0		4,577		14,343
Consumer indirect		11,737		(7,986)		4,756		0		9,345		17,852
Consumer direct		2,306		(1,252)		772		0		1,147		2,973
Home equity		1,814		(86)		163		0		(297)		1,594
Unallocated		1,000		0		0		0		0		1,000
Allowance for credit losses – loans		49,869		(10,461)		7,127		71		14,453		61,059
Liabilities for off-balance-sheet credit exposures		803		0		0		0		320		1,123
Total allowance for credit losses	$	50,672	$	(10,461)	$	7,127	$	71	$	14,773	$	62,182


	Year Ended December 31, 2021
	Beginning								Ending
(000’s omitted)	balance		Charge-offs		Recoveries		Provision		balance
Business lending	$	30,072	$	(1,922)	$	796	$	(5,951)	$	22,995
Consumer mortgage		10,672		(426)		91		(320)		10,017
Consumer indirect		13,696		(5,160)		4,346		(1,145)		11,737
Consumer direct		3,207		(1,232)		793		(462)		2,306
Home equity		2,222		(225)		92		(275)		1,814
Unallocated		1,000		0		0		0		1,000
Allowance for credit losses – loans		60,869		(8,965)		6,118		(8,153)		49,869
Liabilities for off-balance-sheet credit exposures		1,489		0		0		(686)		803
Total allowance for credit losses	$	62,358	$	(8,965)	$	6,118	$	(8,839)	$	50,672

Schedule of performance of modified loans


					90+ Days Past
			Past Due 30 –		Due and Still
(000s omitted)	Current		89 Days		Accruing		Non-Accrual		Total
CRE - owner occupied	$	1,367	$	0	$	0	$	0	$	1,367
CRE - non-owner occupied		700		0		0		0		700
Consumer mortgage		0		0		0		281		281
Home equity		31		0		0		0		31
Total	$	2,098	$	0	$	0	$	281	$	2,379

Schedule of troubled debt restructurings on financing receivables


	December 31, 2022
	Nonaccrual			Accruing			Total
(000’s omitted)	#	Amount		#	Amount		#	Amount
Multifamily	1	$	135	1	$	66	2	$	201
Commercial & industrial and other business loans	0		0	2		205	2		205
Consumer mortgage	52		2,218	46		2,114	98		4,332
Consumer indirect	0		0	56		600	56		600
Consumer direct	0		0	18		5	18		5
Home equity	9		108	9		178	18		286
Total	62	$	2,461	132	$	3,168	194	$	5,629


	December 31, 2021
	Nonaccrual			Accruing			Total
(000’s omitted)	#	Amount		#	Amount		#	Amount
Multifamily	1	$	135	1	$	76	2	$	211
CRE - owner occupied	6		711	1		685	7		1,396
Commercial & industrial and other business loans	3		165	2		50	5		215
Consumer mortgage	61		2,694	47		2,420	108		5,114
Consumer indirect	0		0	72		829	72		829
Consumer direct	0		0	16		7	16		7
Home equity	10		235	12		232	22		467
Total	81	$	3,940	151	$	4,299	232	$	8,239


	December 31, 2022			December 31, 2021
(000’s omitted)	#	Amount		#	Amount
CRE - owner occupied	0	$	0	5	$	1,371
Consumer mortgage	7		597	24		1,425
Consumer indirect	13		178	23		284
Consumer direct	3		5	2		7
Home equity	1		4	0		0
Total	24	$	784	54	$	3,087

Schedule of loans by credit quality indicator


	Term Loans Amortized Cost Basis by Origination Year
													Revolving		Revolving
													Loans		Loans
(000’s omitted)													Amortized		Converted to
December 31, 2023	2023		2022		2021		2020		2019		Prior		Cost Basis		Term		Total
CRE – multifamily:
Risk rating
Pass	$	90,888	$	145,337	$	52,058	$	19,982	$	41,992	$	112,287	$	3,237	$	106,580	$	572,361
Special mention		13,175		7,317		0		65		0		3,522		0		8,289		32,368
Classified		0		959		0		0		551		1,293		150		12,112		15,065
Doubtful		0		0		0		0		0		0		0		0		0
Total CRE – multifamily	$	104,063	$	153,613	$	52,058	$	20,047	$	42,543	$	117,102	$	3,387	$	126,981	$	619,794
Current period gross charge-offs	$	0	$	0	$	0	$	0	$	0	$	0	$	0	$	0	$	0

CRE – owner occupied:
Risk rating
Pass	$	58,544	$	89,616	$	58,798	$	46,465	$	80,361	$	192,345	$	28,023	$	158,652	$	712,804
Special mention		3,258		2,384		649		639		1,472		11,962		743		6,064		27,171
Classified		880		108		922		1,480		514		7,531		941		423		12,799
Doubtful		0		0		0		0		0		0		0		0		0
Total CRE – owner occupied	$	62,682	$	92,108	$	60,369	$	48,584	$	82,347	$	211,838	$	29,707	$	165,139	$	752,774
Current period gross charge-offs	$	0	$	0	$	0	$	0	$	0	$	0	$	19	$	0	$	19

CRE – non-owner occupied:
Risk rating
Pass	$	143,106	$	255,699	$	111,306	$	86,560	$	60,646	$	275,458	$	387,559	$	265,348	$	1,585,682
Special mention		42		827		16,109		1,311		109		29,648		18,806		3,506		70,358
Classified		947		136		1,123		2,996		1,248		20,578		100		27,542		54,670
Doubtful		0		0		0		488		0		0		0		0		488
Total CRE – non-owner occupied	$	144,095	$	256,662	$	128,538	$	91,355	$	62,003	$	325,684	$	406,465	$	296,396	$	1,711,198
Current period gross charge-offs	$	0	$	0	$	0	$	0	$	0	$	0	$	0	$	0	$	0

Commercial & industrial and other business loans:
Risk rating
Pass	$	146,627	$	133,529	$	94,764	$	34,572	$	34,714	$	99,525	$	337,388	$	55,222	$	936,341
Special mention		15,306		2,071		1,491		1,557		2,553		1,854		16,341		8,045		49,218
Classified		38		800		558		477		323		1,305		10,800		770		15,071
Doubtful		0		0		0		0		0		0		0		0		0
Total commercial & industrial and other business loans	$	161,971	$	136,400	$	96,813	$	36,606	$	37,590	$	102,684	$	364,529	$	64,037	$	1,000,630
Current period gross charge-offs	$	0	$	160	$	0	$	0	$	0	$	36	$	569	$	0	$	765

Total business lending:
Risk rating
Pass	$	439,165	$	624,181	$	316,926	$	187,579	$	217,713	$	679,615	$	756,207	$	585,802	$	3,807,188
Special mention		31,781		12,599		18,249		3,572		4,134		46,986		35,890		25,904		179,115
Classified		1,865		2,003		2,603		4,953		2,636		30,707		11,991		40,847		97,605
Doubtful		0		0		0		488		0		0		0		0		488
Total business lending	$	472,811	$	638,783	$	337,778	$	196,592	$	224,483	$	757,308	$	804,088	$	652,553	$	4,084,396
Current period gross charge-offs	$	0	$	160	$	0	$	0	$	0	$	36	$	588	$	0	$	784

LOANS AND ALLOWANCE FOR CREDIT LOSSES

Schedule of amortized cost basis of each class of financing receivable


	Term Loans Amortized Cost Basis by Origination Year
													Revolving		Revolving
													Loans		Loans
(000’s omitted)													Amortized		Converted to
December 31, 2022	2022		2021		2020		2019		2018		Prior		Cost Basis		Term		Total
CRE - multifamily:
Risk rating
Pass	$	149,205	$	48,624	$	21,749	$	40,864	$	31,172	$	93,159	$	17,038	$	54,161	$	455,972
Special mention		0		1,180		69		234		1,288		252		0		19,998		23,021
Classified		0		0		0		578		702		4,500		0		0		5,780
Doubtful		0		0		0		0		0		0		0		0		0
Total CRE – multifamily	$	149,205	$	49,804	$	21,818	$	41,676	$	33,162	$	97,911	$	17,038	$	74,159	$	484,773

CRE – owner occupied:
Risk rating
Pass	$	92,920	$	64,019	$	54,765	$	85,791	$	46,175	$	174,928	$	47,866	$	109,315	$	675,779
Special mention		706		732		1,831		1,606		1,799		10,443		1,641		2,359		21,117
Classified		1,405		80		436		560		5,897		13,254		491		3,368		25,491
Doubtful		0		0		0		0		0		0		0		0		0
Total CRE – owner occupied	$	95,031	$	64,831	$	57,032	$	87,957	$	53,871	$	198,625	$	49,998	$	115,042	$	722,387

CRE – non-owner occupied:
Risk rating
Pass	$	266,704	$	139,965	$	103,026	$	66,272	$	56,406	$	234,593	$	323,477	$	140,418	$	1,330,861
Special mention		186		896		690		116		11,052		30,874		8,429		5,663		57,906
Classified		0		0		0		1,311		5,186		18,094		1,381		16,981		42,953
Doubtful		0		0		0		0		0		0		0		0		0
Total CRE –non-owner occupied	$	266,890	$	140,861	$	103,716	$	67,699	$	72,644	$	283,561	$	333,287	$	163,062	$	1,431,720

Commercial & industrial and other business loans:
Risk rating
Pass	$	238,794	$	121,253	$	53,051	$	53,890	$	34,669	$	102,071	$	323,248	$	32,824	$	959,800
Special mention		1,895		2,029		1,191		1,720		453		4,059		19,333		1,954		32,634
Classified		395		695		702		747		450		2,290		8,715		357		14,351
Doubtful		0		0		0		0		0		0		0		0		0
Total commercial & industrial and other business loans	$	241,084	$	123,977	$	54,944	$	56,357	$	35,572	$	108,420	$	351,296	$	35,135	$	1,006,785

Total business lending:
Risk rating
Pass	$	747,623	$	373,861	$	232,591	$	246,817	$	168,422	$	604,751	$	711,629	$	336,718	$	3,422,412
Special mention		2,787		4,837		3,781		3,676		14,592		45,628		29,403		29,974		134,678
Classified		1,800		775		1,138		3,196		12,235		38,138		10,587		20,706		88,575
Doubtful		0		0		0		0		0		0		0		0		0
Total business lending	$	752,210	$	379,473	$	237,510	$	253,689	$	195,249	$	688,517	$	751,619	$	387,398	$	3,645,665