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v3.25.1

LOANS AND ALLOWANCE FOR CREDIT LOSSES - Allowance for Credit Losses (Details) - USD ($) $ in Thousands | 3 Months Ended | 12 Months Ended
--- | --- | ---
Mar. 31, 2025 | Mar. 31, 2024 | Dec. 31, 2024
Allowance for credit loss - loans |  |  |
Beginning balance | $ 79,114 |  |
Charge-offs | (723) |  | $ (3,157)
Ending balance | 82,840 | $ 70,091 | 79,114
Accrued interest receivable on loans | 35,800 |  |
Amounts outstanding | 586,200 |  | 610,000
Net loans | 10,338,301 |  | 10,353,251
Foreclosures in progress | 6,400 |  | 6,300
Sale of secondary market eligible residential consumer mortgage loans | 17,600 |  |
Liabilities for off-balance-sheet |  |  |
Beginning balance | 1,132 | 913 | 913
Charge-offs | 0 | 0 |
Recoveries | 0 | 0 |
Provision | (265) | (115) |
Ending balance | 867 | 798 | 1,132
Asset Pledged as Collateral | Borrowings from FHLB and FRB |  |  |
Allowance for credit loss - loans |  |  |
Net loans | 6,670,000 |  | 6,720,000
Consumer mortgage |  |  |
Allowance for credit loss - loans |  |  |
Charge-offs | (5) |  | (384)
Consumer indirect |  |  |
Allowance for credit loss - loans |  |  |
Charge-offs | (3,965) |  | (11,607)
Consumer direct |  |  |
Allowance for credit loss - loans |  |  |
Charge-offs | (560) |  | (2,744)
Home equity |  |  |
Allowance for credit loss - loans |  |  |
Charge-offs | (7) |  | (164)
Commercial Portfolio Segment | Business lending |  |  |
Allowance for credit loss - loans |  |  |
Beginning balance | 37,201 | 26,854 | 26,854
Charge-offs | (723) | (261) |
Recoveries | 99 | 39 |
Provision | 6,411 | 2,739 |
Ending balance | 42,988 | 29,371 | 37,201
Residential Portfolio Segment | Consumer mortgage |  |  |
Allowance for credit loss - loans |  |  |
Beginning balance | 15,017 | 15,333 | 15,333
Charge-offs | (5) | (93) |
Recoveries | 6 | 3 |
Provision | (1,339) | (753) |
Ending balance | 13,679 | 14,490 | 15,017
Residential Portfolio Segment | Home equity |  |  |
Allowance for credit loss - loans |  |  |
Beginning balance | 1,548 | 1,628 | 1,628
Charge-offs | (7) | (23) |
Recoveries | 0 | 3 |
Provision | (147) | (27) |
Ending balance | 1,394 | 1,581 | 1,548
Consumer Portfolio Segment | Consumer indirect |  |  |
Allowance for credit loss - loans |  |  |
Beginning balance | 20,895 | 18,585 | 18,585
Charge-offs | (3,965) | (3,060) |
Recoveries | 1,694 | 1,209 |
Provision | 1,122 | 3,560 |
Ending balance | 19,746 | 20,294 | 20,895
Consumer Portfolio Segment | Consumer direct |  |  |
Allowance for credit loss - loans |  |  |
Beginning balance | 3,453 | 3,269 | 3,269
Charge-offs | (560) | (873) |
Recoveries | 232 | 215 |
Provision | 908 | 744 |
Ending balance | 4,033 | 3,355 | 3,453
Unallocated |  |  |
Allowance for credit loss - loans |  |  |
Beginning balance | 1,000 | 1,000 | 1,000
Charge-offs | 0 | 0 |
Recoveries | 0 | 0 |
Provision | 0 | 0 |
Ending balance | 1,000 | 1,000 | 1,000
Allowances for credit losses |  |  |
Allowance for credit loss - loans |  |  |
Beginning balance | 79,114 | 66,669 | 66,669
Charge-offs | (5,260) | (4,310) |
Recoveries | 2,031 | 1,469 |
Provision | 6,955 | 6,263 |
Ending balance | 82,840 | 70,091 | 79,114
Total allowances for credit losses |  |  |
Allowance for credit loss |  |  |
Beginning balance | 80,246 | 67,582 | 67,582
Charge-offs | (5,260) | (4,310) |
Recoveries | 2,031 | 1,469 |
Provision | 6,690 | 6,148 |
Ending balance | $ 83,707 | $ 70,889 | $ 80,246

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