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LOANS AND CREDIT QUALITY - Activity in Allowance for Credit Losses by Loan Portfolio (Details) - USD ($) $ in Thousands | 3 Months Ended | 6 Months Ended
--- | --- | ---
Jun. 30, 2023 | Jun. 30, 2022 | Jun. 30, 2023 | Jun. 30, 2022
Allowance for credit losses by loan portfolio |  |  |  |
Beginning balance | $ 41,500 | $ 37,944 | $ 41,500 | $ 47,123
Charge-offs | (256) | (682) | (939) | (726)
Recoveries | 145 | 309 | 239 | 397
Provision | 111 | (216) | 700 | (9,439)
Ending balance | 41,500 | 37,355 | 41,500 | 37,355
Commercial and industrial loans | Real Estate Sector |  |  |  |
Allowance for credit losses by loan portfolio |  |  |  |
Beginning balance | 27,680 | 20,086 | 27,859 | 21,486
Charge-offs | 0 | 0 | 0 | 0
Recoveries | 0 | 0 | 0 | 0
Provision | (1,520) | 4,765 | (1,699) | 3,365
Ending balance | 26,160 | 24,851 | 26,160 | 24,851
Commercial and industrial loans | Commercial and Industrial Sector |  |  |  |
Allowance for credit losses by loan portfolio |  |  |  |
Beginning balance | 4,326 | 10,446 | 4,277 | 17,279
Charge-offs | (166) | (649) | (799) | (660)
Recoveries | 24 | 45 | 48 | 69
Provision | 583 | (5,172) | 1,241 | (12,018)
Ending balance | 4,767 | 4,670 | 4,767 | 4,670
Commercial and industrial loans | Non-owner occupied CRE |  |  |  |
Allowance for credit losses by loan portfolio |  |  |  |
Beginning balance | 2,608 | 2,294 | 2,102 | 7,509
Charge-offs | 0 | 0 | 0 | 0
Recoveries | 0 | 0 | 0 | 0
Provision | (366) | (114) | 140 | (5,329)
Ending balance | 2,242 | 2,180 | 2,242 | 2,180
Commercial and industrial loans | Multifamily |  |  |  |
Allowance for credit losses by loan portfolio |  |  |  |
Beginning balance | 9,787 | 8,427 | 10,974 | 5,854
Charge-offs | 0 | 0 | 0 | 0
Recoveries | 0 | 0 | 0 | 0
Provision | (92) | 1,647 | (1,279) | 4,220
Ending balance | 9,695 | 10,074 | 9,695 | 10,074
Commercial and industrial loans | Multifamily construction |  |  |  |
Allowance for credit losses by loan portfolio |  |  |  |
Beginning balance | 1,345 | 456 | 998 | 507
Charge-offs | 0 | 0 | 0 | 0
Recoveries | 0 | 0 | 0 | 0
Provision | 221 | 110 | 568 | 59
Ending balance | 1,566 | 566 | 1,566 | 566
Commercial and industrial loans | CRE construction |  |  |  |
Allowance for credit losses by loan portfolio |  |  |  |
Beginning balance | 204 | 184 | 196 | 150
Charge-offs | 0 | 0 | 0 | 0
Recoveries | 0 | 0 | 0 | 0
Provision | (35) | 1 | (27) | 35
Ending balance | 169 | 185 | 169 | 185
Commercial and industrial loans | Single family construction |  |  |  |
Allowance for credit losses by loan portfolio |  |  |  |
Beginning balance | 12,525 | 7,735 | 12,418 | 6,411
Charge-offs | 0 | 0 | 0 | 0
Recoveries | 0 | 0 | 0 | 0
Provision | (1,458) | 2,952 | (1,351) | 4,276
Ending balance | 11,067 | 10,687 | 11,067 | 10,687
Commercial and industrial loans | Single family construction to permanent |  |  |  |
Allowance for credit losses by loan portfolio |  |  |  |
Beginning balance | 1,211 | 990 | 1,171 | 1,055
Charge-offs | 0 | 0 | 0 | 0
Recoveries | 0 | 0 | 0 | 0
Provision | 210 | 169 | 250 | 104
Ending balance | 1,421 | 1,159 | 1,421 | 1,159
Commercial and industrial loans | Owner occupied CRE |  |  |  |
Allowance for credit losses by loan portfolio |  |  |  |
Beginning balance | 910 | 3,536 | 1,030 | 5,006
Charge-offs | 0 | 0 | 0 | 0
Recoveries | 0 | 0 | 0 | 0
Provision | 20 | (2,444) | (100) | (3,914)
Ending balance | 930 | 1,092 | 930 | 1,092
Commercial and industrial loans | Commercial business |  |  |  |
Allowance for credit losses by loan portfolio |  |  |  |
Beginning balance | 3,416 | 6,910 | 3,247 | 12,273
Charge-offs | (166) | (649) | (799) | (660)
Recoveries | 24 | 45 | 48 | 69
Provision | 563 | (2,728) | 1,341 | (8,104)
Ending balance | 3,837 | 3,578 | 3,837 | 3,578
Consumer loans |  |  |  |
Allowance for credit losses by loan portfolio |  |  |  |
Beginning balance | 9,494 | 7,412 | 9,364 | 8,358
Charge-offs | (90) | (33) | (140) | (66)
Recoveries | 121 | 264 | 191 | 328
Provision | 1,048 | 191 | 1,158 | (786)
Ending balance | 10,573 | 7,834 | 10,573 | 7,834
Consumer loans | Single family |  |  |  |
Allowance for credit losses by loan portfolio |  |  |  |
Beginning balance | 5,804 | 3,762 | 5,610 | 4,394
Charge-offs | 0 | 0 | 0 | 0
Recoveries | 2 | 136 | 17 | 140
Provision | 811 | 129 | 990 | (507)
Ending balance | 6,617 | 4,027 | 6,617 | 4,027
Consumer loans | Home equity and other |  |  |  |
Allowance for credit losses by loan portfolio |  |  |  |
Beginning balance | 3,690 | 3,650 | 3,754 | 3,964
Charge-offs | (90) | (33) | (140) | (66)
Recoveries | 119 | 128 | 174 | 188
Provision | 237 | 62 | 168 | (279)
Ending balance | $ 3,956 | $ 3,807 | $ 3,956 | $ 3,807

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