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LOANS AND CREDIT QUALITY - (Tables)

9 Months Ended

Sep. 30, 2021

Receivables [Abstract]

Loans Held for Investment

LHFI consists of the following:

(in thousands)			At September 30, 2021						At December 31, 2020
Commercial real estate loans
Non-owner occupied commercial real estate			$	754,031					$	829,538
Multifamily			2,090,156						1,428,092
Construction/land development			514,322						553,695
Total			3,358,509						2,811,325
Commercial and industrial loans
Owner occupied commercial real estate			450,350						467,256
Commercial business			435,756						645,723
Total			886,106						1,112,979
Consumer loans
Single family (1)			793,927						915,123
Home equity and other			315,715						404,753
Total			1,109,642						1,319,876
Total LHFI			5,354,257						5,244,180
Allowance for credit losses ("ACL")			(54,516)						(64,294)
Total LHFI less ACL			$	5,299,741					$	5,179,886

(1)    Includes $4.5 million and $7.1 million at September 30, 2021 and December 31, 2020, respectively, of loans where a fair value option election was made at the time of origination and, therefore, are carried at fair value with changes in fair value recognized in the consolidated income statements.

Activity in Allowance for Credit Losses

Activity in the ACL for LHFI and the allowance for unfunded commitments was as follows for the periods indicated:

			Quarter Ended September 30,												Nine Months Ended September 30,
(in thousands)			2021						2020						2021						2020
Beginning balance			$	59,897					$	65,000					$	64,294					$	41,772
Provision for credit losses			(5,348)						273						(9,864)						21,633
Net (charge-offs) recoveries			(33)						(381)						86						(356)
Impact of ASC 326 adoption			—						—						—						1,843
Ending balance			$	54,516					$	64,892					$	54,516					$	64,892
Allowance for unfunded commitments:
Beginning balance			$	2,104					$	2,071					$	1,588					$	1,065
Provision for credit losses			348						(273)						864						(1,164)
Impact of ASC 326 adoption			—						—						—						1,897
Ending balance			$	2,452					$	1,798					$	2,452					$	1,798
Provision for credit losses:
Allowance for credit losses - loans			$	(5,348)					$	273					$	(9,864)					$	21,633
Allowance for unfunded commitments			348						(273)						864						(1,164)
Total			$	(5,000)					$	—					$	(9,000)					$	20,469

Activity in the ACL for LHFI by loan portfolio and loan sub-class was as follows for the periods indicated:

			Quarter Ended September 30, 2021
(in thousands)			Beginning balance						Charge-offs						Recoveries						Provision						Ending balance
Commercial real estate loans
Non-owner occupied commercial real estate			$	9,077					$	—					$	—					$	559					$	9,636
Multifamily			7,245						—						—						(1,788)						5,457
Construction/land development
Multifamily construction			500						—						—						544						1,044
Commercial real estate construction			2,022						—						—						(1,671)						351
Single family construction			5,653						—						—						638						6,291
Single family construction to permanent			1,047						—						—						15						1,062
Total			25,544						—						—						(1,703)						23,841
Commercial and industrial loans
Owner occupied commercial real estate			5,518						—						—						(233)						5,285
Commercial business			15,874						(116)						24						(1,309)						14,473
Total			21,392						(116)						24						(1,542)						19,758
Consumer loans
Single family			7,163						(13)						33						(1,426)						5,757
Home equity and other			5,798						(341)						380						(677)						5,160
Total			12,961						(354)						413						(2,103)						10,917
Total ACL			$	59,897					$	(470)					$	437					$	(5,348)					$	54,516

			Quarter Ended September 30, 2020
(in thousands)			Beginning balance						Charge-offs						Recoveries						Provision						Ending balance
Commercial real estate loans
Non-owner occupied commercial real estate			$	7,325					$	—					$	—					$	1,598					$	8,923
Multifamily			5,387						—						—						(516)						4,871
Construction/land development
Multifamily construction			3,811						—						—						2,109						5,920
Commercial real estate construction			440						—						—						1,269						1,709
Single family construction			5,869						—						—						(362)						5,507
Single family construction to permanent			1,515						—						—						(309)						1,206
Total			24,347						—						—						3,789						28,136
Commercial and industrial loans
Owner occupied commercial real estate			5,641						—						—						47						5,688
Commercial business			15,816						(447)						24						2,951						18,344
Total			21,457						(447)						24						2,998						24,032
Consumer loans
Single family			8,070						(3)						2						(1,349)						6,720
Home equity and other			11,126						(39)						82						(5,165)						6,004
Total			19,196						(42)						84						(6,514)						12,724
Total ACL			$	65,000					$	(489)					$	108					$	273					$	64,892

			Nine Months Ended September 30, 2021
(in thousands)			Beginning balance						Charge-offs						Recoveries						Provision						Ending balance
Commercial real estate loans
Non-owner occupied commercial real estate			$	8,845					$	—					$	—					$	791					$	9,636
Multifamily			6,072						—						—						(615)						5,457
Construction/land development
Multifamily construction			4,903						—						—						(3,859)						1,044
Commercial real estate construction			1,670						—						—						(1,319)						351
Single family construction			5,130						—						—						1,161						6,291
Single family construction to permanent			1,315						—						—						(253)						1,062
Total			27,935						—						—						(4,094)						23,841
Commercial and industrial loans
Owner occupied commercial real estate			4,994												—						291						5,285
Commercial business			17,043						(116)						122						(2,576)						14,473
Total			22,037						(116)						122						(2,285)						19,758
Consumer loans
Single family			6,906						(127)						155						(1,177)						5,757
Home equity and other			7,416						(432)						484						(2,308)						5,160
Total			14,322						(559)						639						(3,485)						10,917
Total ACL			$	64,294					$	(675)					$	761					$	(9,864)					$	54,516

			Nine Months Ended September 30, 2020
(in thousands)			Prior to adoption of ASC 326						Impact of ASC 326 adoption						Charge-offs						Recoveries						Provision						Ending balance
Commercial real estate loans
Non-owner occupied commercial real estate			$	7,245					$	(3,392)					$	—					$	—					$	5,070					$	8,923
Multifamily			7,015						(2,977)						—						—						833						4,871
Construction/land development
Multifamily construction			2,848						693						—						—						2,379						5,920
Commercial real estate construction			624						(115)						—						—						1,200						1,709
Single family construction			3,800						4,280						—						163						(2,736)						5,507
Single family construction to permanent			1,003						200						—						—						3						1,206
Total			22,535						(1,311)						—						163						6,749						28,136
Commercial and industrial loans
Owner occupied commercial real estate			3,639						(2,459)						—						—						4,508						5,688
Commercial business			2,915						510						(590)						72						15,437						18,344
Total			6,554						(1,949)						(590)						72						19,945						24,032
Consumer loans
Single family			6,450						468						(3)						56						(251)						6,720
Home equity and other			6,233						4,635						(345)						291						(4,810)						6,004
Total			12,683						5,103						(348)						347						(5,061)						12,724
Total ACL			$	41,772					$	1,843					$	(938)					$	582					$	21,633					$	64,892

Designated Loan Grades by Loan Portfolio Segment and Loan Class

The following table presents a vintage analysis of the commercial portfolio segment by loan sub-class and risk rating or delinquency status.

						At September 30, 2021
(in thousands)						2021						2020						2019						2018						2017						2016 and prior						Revolving						Revolving-term						Total
COMMERCIAL PORTFOLIO
Non-owner occupied commercial real estate
1-6 Pass						$	35,832					$	50,863					$	172,296					$	133,472					$	132,238					$	225,012					$	1,189					$	915					$	751,817
7- Special Mention						—						—						—						—						—						2,214						—						—						2,214
8 - Substandard						—						—						—						—						—						—						—						—						—
Total						35,832						50,863						172,296						133,472						132,238						227,226						1,189						915						754,031
Multifamily
1-6 Pass						972,806						557,201						289,164						65,618						29,218						176,093						56						—						2,090,156
7- Special Mention						—						—						—						—						—						—						—						—						—
8 - Substandard						—						—						—						—						—						—						—						—						—
Total						972,806						557,201						289,164						65,618						29,218						176,093						56						—						2,090,156
Multifamily construction
1-6 Pass						4,194						25,363						20,748						—						—						—						—						—						50,305
7- Special Mention						—						—						—						—						—						—						—						—						—
8 - Substandard						—						—						—						—						—						—						—						—						—
Total						4,194						25,363						20,748						—						—						—						—						—						50,305
Commercial real estate construction
1-6 Pass						2,712						3,961						—						1,998						—						563						8,672						—						17,906
7- Special Mention						—						—						—						—						—						—						—						—						—
8 - Substandard						—						—						—						—						—						—						—						—						—
Total						2,712						3,961						—						1,998						—						563						8,672						—						17,906
Single family construction
1-6 Pass						151,418						42,188						17,677						—						—						78						91,915						—						303,276
7- Special Mention						—						—						—						—						—						—						—						—						—
8 - Substandard						—						—						—						—						—						—						—						—						—
Total						151,418						42,188						17,677						—						—						78						91,915						—						303,276
Single family construction to permanent
Current						62,456						55,561						21,067						3,751						—						—						—						—						142,835
Past due:
30-59 days						—						—						—						—						—						—						—						—						—
60-89 days						—						—						—						—						—						—						—						—						—
90+ days						—						—						—						—						—						—						—						—						—
Total						62,456						55,561						21,067						3,751						—						—						—						—						142,835
Owner occupied commercial real estate
1-6 Pass						45,688						47,907						59,378						50,584						72,188						113,575						549						2,878						392,747
7- Special Mention						—						—						—						2,206						6,063						212						—						63						8,544
8 - Substandard						—						—						18,826						1,111						10,591						18,531						—						—						49,059
Total						45,688						47,907						78,204						53,901						88,842						132,318						549						2,941						450,350
Commercial business
1-6 Pass						128,807						58,648						49,889						27,876						16,780						23,331						88,636						2,341						396,308
7- Special Mention						—						—						9,145						1,518						4,503						57						5,500						142						20,865
8 - Substandard						3,002						46						3,407						8,129						1,567						2,608						(282)						106						18,583
Total						131,809						58,694						62,441						37,523						22,850						25,996						93,854						2,589						435,756
Total commercial portfolio						$	1,406,915					$	841,738					$	661,597					$	296,263					$	273,148					$	562,274					$	196,235					$	6,445					$	4,244,615

The following table presents a vintage analysis of the consumer portfolio segment by loan sub-class and delinquency status:

						At September 30, 2021
(in thousands)						2021						2020						2019						2018						2017						2016 and prior						Revolving						Revolving-term						Total
CONSUMER PORTFOLIO
Single family
Current						$	139,731					$	162,824					$	78,130					$	83,770					$	108,684					$	217,957					$	—					$	—					$	791,096
Past due:
30-59 days						—						—						—						—						212						766						—						—						978
60-89 days						—						—						—						—						315						277						—						—						592
90+ days						—						—						—						858						—						403						—						—						1,261
Total (1)						139,731						162,824						78,130						84,628						109,211						219,403						—						—						793,927
Home equity and other
Current						1,184						707						496						607						537						2,930						301,977						6,373						314,811
Past due:
30-59 days						—						2						—						—						—						248						183						—						433
60-89 days						3						2						—						—						—						1						—						—						6
90+ days						—						—						—						—						—						64						401						—						465
Total						1,187						711						496						607						537						3,243						302,561						6,373						315,715
Total consumer portfolio						140,918						163,535						78,626						85,235						109,748						222,646						302,561						6,373						1,109,642
Total LHFI						$	1,547,833					$	1,005,273					$	740,223					$	381,498					$	382,896					$	784,920					$	498,796					$	12,818					$	5,354,257

(1)    Includes $4.5 million of loans where a fair value option election was made at the time of origination and, therefore, are carried at fair value with changes in fair value recognized in the consolidated income statements.

The following table presents a vintage analysis of the commercial portfolio segment by loan sub-class and risk rating or delinquency status:

						At December 31, 2020
(in thousands)						2020						2019						2018						2017						2016						2015 and prior						Revolving						Revolving-term						Total
COMMERCIAL PORTFOLIO
Non-owner occupied commercial real estate
1-6 Pass						$	53,782					$	176,556					$	165,268					$	147,719					$	150,221					$	131,935					$	796					$	1,031					$	827,308
7- Special Mention						—						—						—						—						—						2,230						—						—						2,230
8 - Substandard						—						—						—						—						—						—						—						—						—
Total						53,782						176,556						165,268						147,719						150,221						134,165						796						1,031						829,538
Multifamily
1-6 Pass						711,009						324,246						100,572						32,693						166,937						92,255						380						—						1,428,092
7- Special Mention						—						—						—						—						—						—						—						—						—
8 - Substandard						—						—						—						—						—						—						—						—						—
Total						711,009						324,246						100,572						32,693						166,937						92,255						380						—						1,428,092
Multifamily construction
1-6 Pass						12,182						21,366						45,256						11,823						—						—						—						—						90,627
7- Special Mention						—						—						—						—						24,702						—						—						—						24,702
8 - Substandard						—						—						—						—						—						—						—						—						—
Total						12,182						21,366						45,256						11,823						24,702						—						—						—						115,329
Commercial real estate construction
1-6 Pass						3,963						—						2,104						14,721						—						614						5,883						—						27,285
7- Special Mention						—						—						—						—						—						—						—						—						—
8 - Substandard						—						—						—						—						—						—						—						—						—
Total						3,963						—						2,104						14,721						—						614						5,883						—						27,285
Single family construction
1-6 Pass						121,233						47,539						14,055						—						—						600						75,743						—						259,170
7- Special Mention						—						—						—						—						—						—						—						—						—
8 - Substandard						—						—						—						—						—						—						—						—						—
Total						121,233						47,539						14,055						—						—						600						75,743						—						259,170
Single family construction to permanent
Current						62,955						72,825						15,443						688						—						—						—						—						151,911
Past due:
30-59 days						—						—						—						—						—						—						—						—						—
60-89 days						—						—						—						—						—						—						—						—						—
90+ days						—						—						—						—						—						—						—						—						—
Total						62,955						72,825						15,443						688						—						—						—						—						151,911
Owner occupied commercial real estate
1-6 Pass						48,647						60,872						58,582						85,275						98,046						50,596						—						4,354						406,372
7- Special Mention						—						—						5,977						3,529						—						—						—						69						9,575
8 - Substandard						—						19,407						1,111						10,750						17,122						2,919						—						—						51,309
Total						48,647						80,279						65,670						99,554						115,168						53,515						—						4,423						467,256
Commercial business
1-6 Pass						345,540						63,020						47,710						22,556						18,411						14,972						76,218						2,577						591,004
7- Special Mention						—						10,837						2,058						6,653						—						—						3,975						166						23,689
8 - Substandard						—						5,923						11,327						2,338						1,891						1,001						8,438						112						31,030
Total						345,540						79,780						61,095						31,547						20,302						15,973						88,631						2,855						645,723
Total commercial portfolio						$	1,359,311					$	802,591					$	469,463					$	338,745					$	477,330					$	297,122					$	171,433					$	8,309					$	3,924,304

The following table presents a vintage analysis of the consumer portfolio segment by loan sub-class and delinquency status:

						At December 31, 2020
(in thousands)						2020						2019						2018						2017						2016						2015 and prior						Revolving						Revolving-term						Total
CONSUMER PORTFOLIO
Single family
Current						$	174,994					$	111,143					$	154,757					$	168,412					$	59,161					$	242,444					$	—					$	—					$	910,911
Past due:
30-59 days						—						570						—						318						—						390						—						—						1,278
60-89 days						—						—						—						—						—						—						—						—						—
90+ days						824						335						405						386						—						984						—						—						2,934
Total (1)						175,818						112,048						155,162						169,116						59,161						243,818						—						—						915,123
Home equity and other
Current						1,878						1,230						1,311						1,363						431						5,126						384,005						8,147						403,491
Past due:
30-59 days						98						22						—						—						—						11						66						31						228
60-89 days						—						13						—						—						—						—						129						—						142
90+ days						—						9						—						—						275						24						584						—						892
Total						1,976						1,274						1,311						1,363						706						5,161						384,784						8,178						404,753
Total consumer portfolio						177,794						113,322						156,473						170,479						59,867						248,979						384,784						8,178						1,319,876
Total LHFI						$	1,537,105					$	915,913					$	625,936					$	509,224					$	537,197					$	546,101					$	556,217					$	16,487					$	5,244,180

(1)    Includes $7.1 million of loans where a fair value option election was made at the time of origination and, therefore, are carried at fair value with changes in fair value recognized in the consolidated income statements.

Schedule of Collateral Dependent Loans

The following table presents the amortized cost basis of collateral-dependent loans by loan sub-class and collateral type:

						At September 30, 2021
(in thousands)						Land						1-4 Family												Non-residential real estate						Other non-real estate						Total
Commercial and industrial loans
Owner occupied commercial real estate						$	1,111					$	—											$	2,763					$	—					$	3,874
Commercial business						387						—												—						2,681						3,068
Total						1,498						—												2,763						2,681						6,942
Consumer loans
Single family						—						2,957												—						—						2,957
Home equity loans and other						—						923												—						—						923
Total						—						3,880												—						—						3,880
Total collateral-dependent loans						$	1,498					$	3,880											$	2,763					$	2,681					$	10,822

Schedule of Loans on Nonaccrual with no Related Allowance for Credit Loss

						At December 31, 2020
(in thousands)						Land						1-4 Family												Non-residential real estate						Other non-real estate						Total
Commercial and industrial loans
Owner occupied commercial real estate						$	1,789					$	—											$	3,133					$	—					$	4,922
Commercial business						1,787						545												—						2,882						5,214
Total						3,576						545												3,133						2,882						10,136
Consumer loans
Single family						—						2,457												—						—						2,457
Total						—						2,457												—						—						2,457
Total collateral-dependent loans						$	3,576					$	3,002											$	3,133					$	2,882					$	12,593

Nonaccrual and Past Due Loans

The following table presents nonaccrual status for loans:

			At September 30, 2021															At December 31, 2020
(in thousands)						Nonaccrual with no related ACL						Total Nonaccrual						Nonaccrual with no related ACL						Total Nonaccrual
Commercial and industrial loans
Owner occupied commercial real estate						$	3,874					$	3,874					$	4,922					$	4,922
Commercial business						1,360						7,249						3,100						9,183
Total						5,234						11,123						8,022						14,105
Consumer loans
Single family						$	2,907					$	4,602					$	2,173					$	4,883
Home equity and other						928						1,987						2						1,734
Total						3,835						6,589						2,175						6,617
Total nonaccrual loans						$	9,069					$	17,712					$	10,197					$	20,722

Past Due Loans by Portfolio Segment and Loan Class

The following tables present an aging analysis of past due loans by loan portfolio segment and loan sub-class:

			At September 30, 2021
			Past Due and Still Accruing
(in thousands)			30-59 days						60-89 days						90 days or more						Nonaccrual						Total past due and nonaccrual (3)						Current						Total loans
Commercial real estate loans
Non-owner occupied commercial real estate			$	—					$	—					$	—					$	—					$	—					$	754,031					$	754,031
Multifamily			—						—						—						—						—						2,090,156						2,090,156
Construction/land development
Multifamily construction			—						—						—						—						—						50,305						50,305
Commercial real estate construction			—						—						—						—						—						17,906						17,906
Single family construction			—						—						—						—						—						303,276						303,276
Single family construction to permanent			—						—						—						—						—						142,835						142,835
Total			—						—						—						—						—						3,358,509						3,358,509
Commercial and industrial loans
Owner occupied commercial real estate			—						—						—						3,874						3,874						446,476						450,350
Commercial business			—						—						—						7,249						7,249						428,507						435,756
Total			—						—						—						11,123						11,123						874,983						886,106
Consumer loans
Single family			1,294						1,198						8,361			(2)			4,602						15,455						778,472						793,927			(1)
Home equity and other			260						4						—						1,987						2,251						313,464						315,715
Total			1,554						1,202						8,361						6,589						17,706						1,091,936						1,109,642
Total loans			$	1,554					$	1,202					$	8,361					$	17,712					$	28,829					$	5,325,428					$	5,354,257
%			0.03		%				0.02		%				0.16		%				0.33		%				0.54		%				99.46		%				100.00		%

			At December 31, 2020
			Past Due and Still Accruing
(in thousands)			30-59 days						60-89 days						90 days or more						Nonaccrual						Total past due and nonaccrual (3)						Current						Total loans
Commercial real estate loans
Non-owner occupied commercial real estate			$	—					$	—					$	—					$	—					$	—					$	829,538					$	829,538
Multifamily			—												—						—						—						1,428,092						1,428,092
Construction and land development
Multifamily construction			—						—						—						—						—						115,329						115,329
Commercial real estate construction			—						—						—						—						—						27,285						27,285
Single family construction			—						—						—						—						—						259,170						259,170
Single family construction to permanent			—						—						—						—						—						151,911						151,911
Total			—						—						—						—						—						2,811,325						2,811,325
Commercial and industrial loans
Owner occupied commercial real estate			—												—						4,922						4,922						462,334						467,256
Commercial business			—												—						9,183						9,183						636,540						645,723
Total			—						—						—						14,105						14,105						1,098,874						1,112,979
Consumer loans
Single family			2,161						418						11,476			(2)			4,883						18,938						896,185						915,123			(1)
Home equity and other			228						135						—						1,734						2,097						402,656						404,753
Total			2,389						553						11,476						6,617						21,035						1,298,841						1,319,876
Total loans			$	2,389					$	553					$	11,476					$	20,722					$	35,140					$	5,209,040					$	5,244,180
%			0.05		%				0.01		%				0.22		%				0.40		%				0.67		%				99.33		%				100.00		%

(1)Includes $4.5 million and $7.1 million of loans at September 30, 2021 and December 31, 2020, respectively, where a fair value option election was made at the time of origination and, therefore, are carried at fair value with changes in fair value recognized in our consolidated income statements.

(2)FHA-insured and VA-guaranteed single family loans that are 90 days or more past due are maintained on accrual status if they are determined to have little to no risk of loss.

(3)Includes loans whose repayments are insured by the FHA or guaranteed by the VA or SBA of $10.8 million and $14.7 million at September 30, 2021 and December 31, 2020, respectively.

TDR Activity by Loan Portfolio Segment and Loan Class

The following tables present information about troubled debt restructuring ("TDR") activity for the periods indicated:

						Quarter Ended September 30, 2021																		Nine Months Ended September 30, 2021
(dollars in thousands)						Number of loan modifications						Recorded investment						Related charge- offs						Number of loan modifications						Recorded investment						Related charge- offs
Consumer loans
Single family
Interest rate reduction						10						$	3,284					$	—					15						$	4,599					$	—
Payment restructure						4						1,005						—						6						2,145
						14						4,289						—						21						6,744						—
Total loans
Interest rate reduction						10						3,284						—						15						4,599						—
Payment restructure						4						1,005						—						6						2,145						—
Total						14						$	4,289					$	—					21						$	6,744					$	—

						Quarter Ended September 30, 2020																		Nine Months Ended September 30, 2020
(dollars in thousands)						Number of loan modifications						Recorded investment						Related charge- offs						Number of loan modifications						Recorded investment						Related charge- offs
Commercial and industrial loans
Owner occupied commercial real estate
Payment restructure						—						$	—					$	—					1						$	678					$	—
Commercial business
Payment restructure						—						—						—						1						1,125						—
Total commercial and industrial
Payment restructure						—						—						—						2						1,803						—
Total						—						—						—						2						1,803						—
Consumer loans
Single family
Interest rate reduction						8						1,642						—						23						4,878						—
Payment restructure						1						411						—						10						2,067						—
Total						9						2,053						—						33						6,945						—
Total loans
Interest rate reduction						8						1,642						—						23						4,878						—
Payment restructure						1						411						—						12						3,870						—
Total						9						$	2,053					$	—					35						$	8,748					$	—

TDR Balances that Subsequently Re-defaulted

A TDR loan is considered re-defaulted when it becomes doubtful that the objectives of the modifications will be met, generally when a consumer loan TDR becomes 60 days or more past due on principal or interest payments or when a commercial loan TDR becomes 90 days or more past due on principal or interest payments. The following table presents loans that were modified as TDRs within the previous 12 months and subsequently re-defaulted for the periods indicated:

			Quarter Ended September 30,
			2021												2020
(dollars in thousands)			Number of loan relationships that re-defaulted						Recorded investment						Number of loan relationships that re-defaulted						Recorded investment
Consumer loans - single family			2						$	422					6						$	1,038
Total			2						$	422					6						$	1,038

			Nine Months Ended September 30,
			2021												2020
(dollars in thousands)			Number of loan relationships that re-defaulted						Recorded investment						Number of loan relationships that re-defaulted						Recorded investment
Commercial and industrial loans
Owner occupied commercial real estate			1						$	678					—						$	—
			1						678						—						—
Consumer loans
Consumer loans - single family			7						$	1,764					16						$	3,237
			7						1,764						16						3,237
Total			8						$	2,442					16						$	3,237

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