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LOANS AND ALLOWANCE FOR CREDIT LOSSES | 12 Months Ended
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Dec. 31, 2022
Receivables [Abstract] |
LOANS AND ALLOWANCE FOR CREDIT LOSSES | LOANS AND ALLOWANCE FOR CREDIT LOSSES The following table presents the balances in our loan portfolio as of the dates indicated:
|  | December 31,
($ in thousands) |  | 2022 |  | 2021
Commercial: |  |  |  |
Commercial and industrial(1) |  | $ | 1,845,960 |  |  | $ | 2,668,984 |
Commercial real estate |  | 1,259,651 |  |  | 1,311,105 |
Multifamily |  | 1,689,943 |  |  | 1,361,054 |
SBA(2) |  | 68,137 |  |  | 205,548 |
Construction |  | 243,553 |  |  | 181,841 |
Consumer: |  |  |  |
Single family residential mortgage |  | 1,920,806 |  |  | 1,420,023 |
Other consumer |  | 86,988 |  |  | 102,925 |
Total loans |  | 7,115,038 |  |  | 7,251,480 |
Allowance for loan losses |  | (85,960) |  |  | (92,584) |
Loans receivable, net |  | $ | 7,029,078 |  |  | $ | 7,158,896 |
(1)Includes warehouse lending balances of $602.5 million and $1.60 billion at December 31, 2022 and 2021. (2)Includes 20 PPP loans totaling $5.7 million at December 31, 2022 and 397 PPP loans totaling $123.1 million at December 31, 2021. The following table presents the components of total loans as of the dates indicated:
|  | December 31,
($ in thousands) |  | 2022 |  | 2021
Unpaid principal balance |  | $ | 7,107,897 |  |  | $ | 7,245,952 |
Unamortized net premiums |  | 18,319 |  |  | 18,005 |
Unamortized net deferred costs |  | (1,880) |  |  | 819 |
Unamortized SBA PPP fees |  | — |  |  | (831) |
Fair value adjustment(1) |  | (9,298) |  |  | (12,465) |
Total loans |  | $ | 7,115,038 |  |  | $ | 7,251,480 |
(1)Includes $8.0 million related to the PMB Acquisition at December 31, 2022, of which $4.1 million related to PCD loans, and $10.6 million related to the PMB Acquisition at December 31, 2021, of which $3.9 million related to PCD loans Credit Quality Indicators We categorize loans into risk categories based on relevant information about the ability of borrowers to repay their debt such as current financial information, historical payment experience, credit documentation, public information, and current economic trends, among other factors. We analyze the associated risks in the current loan portfolio and individually grade each loan for credit risk. This analysis includes all loans delinquent over 60 days and non-homogeneous loans such as commercial and commercial real estate loans. We use the following definitions for risk ratings: Pass: Loans risk rated pass are in compliance in all respects with the Bank’s credit policy and regulatory requirements, and do not exhibit any potential or defined weakness as defined under “Special Mention”, “Substandard” or “Doubtful.” Special Mention: Loans risk rated special mention have a potential weakness that deserves management’s close attention. If left uncorrected, these potential weaknesses may result in deterioration of the repayment prospects for the loans or of our credit position at some future date. Substandard: Loans risk rated substandard are inadequately protected by the current net worth and paying capacity of the obligor or of the collateral pledged, if any. Loans so classified have a well-defined weakness or a weakness that jeopardizes the liquidation of the debt. They are characterized by the distinct possibility that the institution will sustain some loss if the deficiencies are not corrected. Doubtful: Loans risk rated doubtful have all the weaknesses inherent in those classified as substandard, with the added characteristic that the weaknesses make collection or liquidation in full, on the basis of currently existing facts, conditions, and values, highly questionable and improbable. The following table presents the risk categories for total loans by class of loans and origination year as of December 31, 2022:
|  | Term Loans Amortized Cost Basis by Origination Year |  |  |  |  |  |
($ in thousands) |  | 2022 |  | 2021 |  | 2020 |  | 2019 |  | 2018 |  | Prior |  | Revolving Loans Amortized Cost Basis |  | Revolving Loans Amortized Cost Basis Converted to Term |  | Total
December 31, 2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial and industrial |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass |  | $ | 269,367 |  |  | $ | 170,513 |  |  | $ | 62,931 |  |  | $ | 53,001 |  |  | $ | 76,811 |  |  | $ | 164,394 |  |  | $ | 932,464 |  |  | $ | 19,803 |  |  | $ | 1,749,284 |
Special mention |  | — |  |  | 19,203 |  |  | 1,042 |  |  | — |  |  | 1 |  |  | 11,528 |  |  | 17,142 |  |  | 483 |  |  | 49,399 |
Substandard |  | 3,833 |  |  | 64 |  |  | 3,002 |  |  | 502 |  |  | 3,630 |  |  | 2,729 |  |  | 23,012 |  |  | 6,501 |  |  | 43,273 |
Doubtful |  | — |  |  | — |  |  | — |  |  | 4,004 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 4,004 |
Commercial and industrial |  | 273,200 |  |  | 189,780 |  |  | 66,975 |  |  | 57,507 |  |  | 80,442 |  |  | 178,651 |  |  | 972,618 |  |  | 26,787 |  |  | 1,845,960 |
Commercial real estate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass |  | 348,298 |  |  | 363,335 |  |  | 60,564 |  |  | 94,772 |  |  | 155,790 |  |  | 224,213 |  |  | 1,163 |  |  | 61 |  |  | 1,248,196 |
Special mention |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 1,745 |  |  | — |  |  | — |  |  | 1,745 |
Substandard |  | — |  |  | — |  |  | — |  |  | — |  |  | 1 |  |  | 8,799 |  |  | 910 |  |  | — |  |  | 9,710 |
Doubtful |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Commercial real estate |  | 348,298 |  |  | 363,335 |  |  | 60,564 |  |  | 94,772 |  |  | 155,791 |  |  | 234,757 |  |  | 2,073 |  |  | 61 |  |  | 1,259,651 |
Multifamily |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass |  | 626,186 |  |  | 390,928 |  |  | 154,636 |  |  | 229,511 |  |  | 109,887 |  |  | 138,063 |  |  | 3 |  |  | 9,307 |  |  | 1,658,521 |
Special mention |  | — |  |  | — |  |  | 2,997 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 2,997 |
Substandard |  | — |  |  | — |  |  | — |  |  | — |  |  | 11,069 |  |  | 17,356 |  |  | — |  |  | — |  |  | 28,425 |
Doubtful |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Multifamily |  | 626,186 |  |  | 390,928 |  |  | 157,633 |  |  | 229,511 |  |  | 120,956 |  |  | 155,419 |  |  | 3 |  |  | 9,307 |  |  | 1,689,943 |
SBA |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass |  | 9,421 |  |  | 15,468 |  |  | 4,009 |  |  | 5,899 |  |  | 1,176 |  |  | 19,090 |  |  | 603 |  |  | 123 |  |  | 55,789 |
Special mention |  | — |  |  | — |  |  | — |  |  | — |  |  | 201 |  |  | 598 |  |  | — |  |  | 1 |  |  | 800 |
Substandard |  | — |  |  | — |  |  | 320 |  |  | 339 |  |  | 385 |  |  | 9,097 |  |  | 628 |  |  | 779 |  |  | 11,548 |
Doubtful |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
SBA |  | 9,421 |  |  | 15,468 |  |  | 4,329 |  |  | 6,238 |  |  | 1,762 |  |  | 28,785 |  |  | 1,231 |  |  | 903 |  |  | 68,137 |
Construction |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass |  | 85,430 |  |  | 98,572 |  |  | 27,704 |  |  | 6,495 |  |  | — |  |  | 25,352 |  |  | — |  |  | — |  |  | 243,553 |
Special mention |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Substandard |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Doubtful |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Construction |  | 85,430 |  |  | 98,572 |  |  | 27,704 |  |  | 6,495 |  |  | — |  |  | 25,352 |  |  | — |  |  | — |  |  | 243,553 |
Consumer: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Single family residential mortgage |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass |  | 627,213 |  |  | 797,744 |  |  | 72,658 |  |  | 47,284 |  |  | 89,492 |  |  | 255,520 |  |  | — |  |  | — |  |  | 1,889,911 |
Special mention |  | 1,716 |  |  | 218 |  |  | — |  |  | 1,537 |  |  | 3,378 |  |  | 2,252 |  |  | — |  |  | — |  |  | 9,101 |
Substandard |  | 3,571 |  |  | — |  |  | 2,171 |  |  | — |  |  | 8,573 |  |  | 7,479 |  |  | — |  |  | — |  |  | 21,794 |
Doubtful |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Single family residential mortgage |  | 632,500 |  |  | 797,962 |  |  | 74,829 |  |  | 48,821 |  |  | 101,443 |  |  | 265,251 |  |  | — |  |  | — |  |  | 1,920,806 |
Other consumer |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass |  | 23,340 |  |  | 15,986 |  |  | 8,805 |  |  | 5,524 |  |  | 3,363 |  |  | 15,920 |  |  | 10,914 |  |  | 2,747 |  |  | 86,599 |
Special mention |  | — |  |  | (1) |  |  | — |  |  | 3 |  |  | — |  |  | 20 |  |  | 62 |  |  | 54 |  |  | 138 |
Substandard |  | — |  |  | — |  |  | 56 |  |  | — |  |  | 83 |  |  | 31 |  |  | 81 |  |  | — |  |  | 251 |
Doubtful |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Other consumer |  | 23,340 |  |  | 15,985 |  |  | 8,861 |  |  | 5,527 |  |  | 3,446 |  |  | 15,971 |  |  | 11,057 |  |  | 2,801 |  |  | 86,988 |
Total loans |  | $ | 1,998,375 |  |  | $ | 1,872,030 |  |  | $ | 400,895 |  |  | $ | 448,871 |  |  | $ | 463,840 |  |  | $ | 904,186 |  |  | $ | 986,982 |  |  | $ | 39,859 |  |  | $ | 7,115,038 |
Total loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass |  | $ | 1,989,255 |  |  | $ | 1,852,546 |  |  | $ | 391,307 |  |  | $ | 442,486 |  |  | $ | 436,519 |  |  | $ | 842,552 |  |  | $ | 945,147 |  |  | $ | 32,041 |  |  | $ | 6,931,853 |
Special mention |  | 1,716 |  |  | 19,420 |  |  | 4,039 |  |  | 1,540 |  |  | 3,580 |  |  | 16,143 |  |  | 17,204 |  |  | 538 |  |  | 64,180 |
Substandard |  | 7,404 |  |  | 64 |  |  | 5,549 |  |  | 841 |  |  | 23,741 |  |  | 45,491 |  |  | 24,631 |  |  | 7,280 |  |  | 115,001 |
Doubtful |  | — |  |  | — |  |  | — |  |  | 4,004 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 4,004 |
Total loans |  | $ | 1,998,375 |  |  | $ | 1,872,030 |  |  | $ | 400,895 |  |  | $ | 448,871 |  |  | $ | 463,840 |  |  | $ | 904,186 |  |  | $ | 986,982 |  |  | $ | 39,859 |  |  | $ | 7,115,038 |
The following table presents the risk categories for total loans by class of loans and origination year as of December 31, 2021:
|  | Term Loans Amortized Cost Basis by Origination Year |  |  |  |  |  |
($ in thousands) |  | 2021 |  | 2020 |  | 2019 |  | 2018 |  | 2017 |  | Prior |  | Revolving Loans Amortized Cost Basis |  | Revolving Loans Amortized Cost Basis Converted to Term |  | Total
December 31, 2021 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial and industrial |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass |  | $ | 254,218 |  |  | $ | 81,177 |  |  | $ | 71,950 |  |  | $ | 78,461 |  |  | $ | 56,439 |  |  | $ | 110,490 |  |  | $ | 1,888,126 |  |  | $ | 9,679 |  |  | $ | 2,550,540 |
Special mention |  | 1,206 |  |  | 5,971 |  |  | 13,721 |  |  | 835 |  |  | 7,272 |  |  | 9,846 |  |  | 20,460 |  |  | 6,348 |  |  | 65,659 |
Substandard |  | 2 |  |  | 241 |  |  | 17,853 |  |  | 11,378 |  |  | 3,374 |  |  | 117 |  |  | 17,429 |  |  | 2,391 |  |  | 52,785 |
Doubtful |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Commercial and industrial |  | 255,426 |  |  | 87,389 |  |  | 103,524 |  |  | 90,674 |  |  | 67,085 |  |  | 120,453 |  |  | 1,926,015 |  |  | 18,418 |  |  | 2,668,984 |
Commercial real estate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass |  | 465,524 |  |  | 82,759 |  |  | 140,108 |  |  | 192,263 |  |  | 85,755 |  |  | 317,941 |  |  | 8,416 |  |  | 71 |  |  | 1,292,837 |
Special mention |  | — |  |  | — |  |  | — |  |  | 1,925 |  |  | — |  |  | 2,920 |  |  | — |  |  | — |  |  | 4,845 |
Substandard |  | — |  |  | — |  |  | 506 |  |  | — |  |  | — |  |  | 9,084 |  |  | 3,833 |  |  | — |  |  | 13,423 |
Doubtful |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Commercial real estate |  | 465,524 |  |  | 82,759 |  |  | 140,614 |  |  | 194,188 |  |  | 85,755 |  |  | 329,945 |  |  | 12,249 |  |  | 71 |  |  | 1,311,105 |
Multifamily |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass |  | 410,958 |  |  | 208,396 |  |  | 315,119 |  |  | 157,640 |  |  | 61,457 |  |  | 158,464 |  |  | 4 |  |  | — |  |  | 1,312,038 |
Special mention |  | — |  |  | 1,988 |  |  | — |  |  | 11,261 |  |  | — |  |  | 33,065 |  |  | — |  |  | — |  |  | 46,314 |
Substandard |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 2,702 |  |  | — |  |  | — |  |  | 2,702 |
Doubtful |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Multifamily |  | 410,958 |  |  | 210,384 |  |  | 315,119 |  |  | 168,901 |  |  | 61,457 |  |  | 194,231 |  |  | 4 |  |  | — |  |  | 1,361,054 |
SBA |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass |  | 106,749 |  |  | 23,972 |  |  | 8,049 |  |  | 1,957 |  |  | 10,836 |  |  | 28,495 |  |  | 928 |  |  | 143 |  |  | 181,129 |
Special mention |  | — |  |  | 1,586 |  |  | 3,618 |  |  | 236 |  |  | — |  |  | 596 |  |  | — |  |  | 4 |  |  | 6,040 |
Substandard |  | — |  |  | 5,888 |  |  | — |  |  | 390 |  |  | 3,358 |  |  | 7,245 |  |  | 599 |  |  | 899 |  |  | 18,379 |
Doubtful |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
SBA |  | 106,749 |  |  | 31,446 |  |  | 11,667 |  |  | 2,583 |  |  | 14,194 |  |  | 36,336 |  |  | 1,527 |  |  | 1,046 |  |  | 205,548 |
Construction |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass |  | 67,074 |  |  | 32,995 |  |  | 29,038 |  |  | 17,139 |  |  | 25,485 |  |  | — |  |  | — |  |  | — |  |  | 171,731 |
Special mention |  | — |  |  | — |  |  | — |  |  | 1,607 |  |  | — |  |  | 8,503 |  |  | — |  |  | — |  |  | 10,110 |
Substandard |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Doubtful |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Construction |  | 67,074 |  |  | 32,995 |  |  | 29,038 |  |  | 18,746 |  |  | 25,485 |  |  | 8,503 |  |  | — |  |  | — |  |  | 181,841 |
Consumer: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Single family residential mortgage |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass |  | 713,844 |  |  | 96,339 |  |  | 67,075 |  |  | 140,329 |  |  | 88,123 |  |  | 277,247 |  |  | 12,828 |  |  | — |  |  | 1,395,785 |
Special mention |  | — |  |  | 1,644 |  |  | 339 |  |  | 910 |  |  | 692 |  |  | 6,838 |  |  | — |  |  | — |  |  | 10,423 |
Substandard |  | — |  |  | — |  |  | — |  |  | 11,005 |  |  | 975 |  |  | 1,601 |  |  | — |  |  | 234 |  |  | 13,815 |
Doubtful |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Single family residential mortgage |  | 713,844 |  |  | 97,983 |  |  | 67,414 |  |  | 152,244 |  |  | 89,790 |  |  | 285,686 |  |  | 12,828 |  |  | 234 |  |  | 1,420,023 |
Other consumer |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass |  | 26,179 |  |  | 13,556 |  |  | 8,891 |  |  | 5,265 |  |  | 9,038 |  |  | 15,951 |  |  | 21,327 |  |  | 2,331 |  |  | 102,538 |
Special mention |  | — |  |  | — |  |  | 4 |  |  | — |  |  | — |  |  | 25 |  |  | 63 |  |  | — |  |  | 92 |
Substandard |  | — |  |  | 61 |  |  | 14 |  |  | 148 |  |  | 46 |  |  | 26 |  |  | — |  |  | — |  |  | 295 |
Doubtful |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Other consumer |  | 26,179 |  |  | 13,617 |  |  | 8,909 |  |  | 5,413 |  |  | 9,084 |  |  | 16,002 |  |  | 21,390 |  |  | 2,331 |  |  | 102,925 |
Total loans |  | $ | 2,045,754 |  |  | $ | 556,573 |  |  | $ | 676,285 |  |  | $ | 632,749 |  |  | $ | 352,850 |  |  | $ | 991,156 |  |  | $ | 1,974,013 |  |  | $ | 22,100 |  |  | $ | 7,251,480 |
Total loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass |  | $ | 2,044,546 |  |  | $ | 539,194 |  |  | $ | 640,230 |  |  | $ | 593,054 |  |  | $ | 337,133 |  |  | $ | 908,588 |  |  | $ | 1,931,629 |  |  | $ | 12,224 |  |  | $ | 7,006,598 |
Special mention |  | 1,206 |  |  | 11,189 |  |  | 17,682 |  |  | 16,774 |  |  | 7,964 |  |  | 61,793 |  |  | 20,523 |  |  | 6,352 |  |  | 143,483 |
Substandard |  | 2 |  |  | 6,190 |  |  | 18,373 |  |  | 22,921 |  |  | 7,753 |  |  | 20,775 |  |  | 21,861 |  |  | 3,524 |  |  | 101,399 |
Doubtful |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Total loans |  | $ | 2,045,754 |  |  | $ | 556,573 |  |  | $ | 676,285 |  |  | $ | 632,749 |  |  | $ | 352,850 |  |  | $ | 991,156 |  |  | $ | 1,974,013 |  |  | $ | 22,100 |  |  | $ | 7,251,480 |
Past Due Loans The following table presents the aging of the recorded investment in past due loans, excluding accrued interest receivable (which is not considered to be material), by class of loans as of the periods indicated:
($ in thousands) |  | 30 - 59 Days Past Due |  | 60 - 89 Days Past Due |  | Greater than 89 Days Past due |  | Total Past Due |  | Current |  | Total
December 31, 2022 |  |  |  |  |  |  |  |  |  |  |  |
Commercial: |  |  |  |  |  |  |  |  |  |  |  |
Commercial and industrial |  | $ | 4,002 |  |  | $ | 481 |  |  | $ | 13,833 |  |  | $ | 18,316 |  |  | $ | 1,827,644 |  |  | $ | 1,845,960 |
Commercial real estate |  | 311 |  |  | — |  |  | 910 |  |  | 1,221 |  |  | 1,258,430 |  |  | 1,259,651 |
Multifamily |  | — |  |  | — |  |  | — |  |  | — |  |  | 1,689,943 |  |  | 1,689,943 |
SBA |  | 287 |  |  | — |  |  | 10,299 |  |  | 10,586 |  |  | 57,551 |  |  | 68,137 |
Construction |  | — |  |  | — |  |  | — |  |  | — |  |  | 243,553 |  |  | 243,553 |
Consumer: |  |  |  |  |  |  |  |  |  |  |  |
Single family residential mortgage |  | 36,338 |  |  | 5,068 |  |  | 19,431 |  |  | 60,837 |  |  | 1,859,969 |  |  | 1,920,806 |
Other consumer |  | 163 |  |  | 16 |  |  | 81 |  |  | 260 |  |  | 86,728 |  |  | 86,988 |
Total loans |  | $ | 41,101 |  |  | $ | 5,565 |  |  | $ | 44,554 |  |  | $ | 91,220 |  |  | $ | 7,023,818 |  |  | $ | 7,115,038 |
December 31, 2021 |  |  |  |  |  |  |  |  |  |  |  |
Commercial: |  |  |  |  |  |  |  |  |  |  |  |
Commercial and industrial |  | $ | 9,342 |  |  | $ | 1,351 |  |  | $ | 9,503 |  |  | $ | 20,196 |  |  | $ | 2,648,788 |  |  | $ | 2,668,984 |
Commercial real estate |  | — |  |  | — |  |  | — |  |  | — |  |  | 1,311,105 |  |  | 1,311,105 |
Multifamily |  | 786 |  |  | — |  |  | — |  |  | 786 |  |  | 1,360,268 |  |  | 1,361,054 |
SBA |  | 987 |  |  | 2,360 |  |  | 15,941 |  |  | 19,288 |  |  | 186,260 |  |  | 205,548 |
Construction |  | — |  |  | — |  |  | — |  |  | — |  |  | 181,841 |  |  | 181,841 |
Consumer: |  |  |  |  |  |  |  |  |  |  |  |
Single family residential mortgage |  | 24,867 |  |  | — |  |  | 7,076 |  |  | 31,943 |  |  | 1,388,080 |  |  | 1,420,023 |
Other consumer |  | 449 |  |  | — |  |  | 89 |  |  | 538 |  |  | 102,387 |  |  | 102,925 |
Total loans |  | $ | 36,431 |  |  | $ | 3,711 |  |  | $ | 32,609 |  |  | $ | 72,751 |  |  | $ | 7,178,729 |  |  | $ | 7,251,480 |
Nonaccrual Loans The following table presents nonaccrual loans as of the dates indicated:
|  |  |  |  | December 31, 2022 |  |  |  |  |  | December 31, 2021
($ in thousands) |  |  |  |  | Total Nonaccrual Loans |  | Nonaccrual Loans with no ACL |  |  |  |  |  | Total Nonaccrual Loans |  | Nonaccrual Loans with no ACL
Nonaccrual loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial and industrial |  |  |  |  | $ | 22,613 |  |  | $ | 10,959 |  |  |  |  |  |  | $ | 28,594 |  |  | $ | 9,137 |
Commercial real estate |  |  |  |  | 910 |  |  | 910 |  |  |  |  |  |  | — |  |  | — |
SBA |  |  |  |  | 10,417 |  |  | 5,613 |  |  |  |  |  |  | 16,653 |  |  | 11,443 |
Consumer: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Single family residential mortgage |  |  |  |  | 21,116 |  |  | 17,187 |  |  |  |  |  |  | 7,076 |  |  | 7,076 |
Other consumer |  |  |  |  | 195 |  |  | 195 |  |  |  |  |  |  | 235 |  |  | 235 |
Total nonaccrual loans |  |  |  |  | $ | 55,251 |  |  | $ | 34,864 |  |  |  |  |  |  | $ | 52,558 |  |  | $ | 27,891 |
At December 31, 2022 and 2021, there were no loans that were past due 90 days or more and still accruing. Other Real Estate Owned and Loans in Process of Foreclosure At December 31, 2022 and December 31, 2021, there was no other real estate owned. At December 31, 2022, there were nine consumer mortgage loans totaling $11.7 million secured by residential real estate properties for which formal foreclosure proceedings were in process according to local requirements of the applicable jurisdiction. There were no consumer mortgage loans secured by residential real estate properties in foreclosure at December 31, 2021. Allowance for Credit Losses The ACL methodology uses a nationally recognized, third-party model that includes many assumptions based on historical and peer loss data, current loan portfolio risk profile including risk ratings, and economic forecasts including macroeconomic variables released by the model provider during December 31, 2022. The published forecasts consider the FRB's monetary policy, labor market constraints, high inflation, supply chain stress and the military conflict between Russia and Ukraine, among other factors. The ACL also incorporates qualitative factors to account for certain loan portfolio characteristics that are not taken into consideration by the third-party model including underlying strengths and weaknesses in various segments of the loan portfolio. As is the case with all estimates, the ACL is expected to be impacted in future periods by economic volatility, changing economic forecasts, underlying model assumptions, and asset quality metrics, all of which may be better or worse than current estimates. The ACL process involves subjective and complex judgments as well as adjustments for numerous factors including those described in the federal banking agencies' joint interagency policy statement on ALL, which include underwriting experience and collateral value changes, among others. The reserve for unfunded noncancellable loan commitments is established to cover the current expected credit losses for the estimated level of funding of these loan commitments, except for unconditionally cancellable commitments for which no reserve is required under ASC Topic 326. At December 31, 2022 and 2021, the reserve for unfunded noncancellable loan commitments was $5.3 million and $5.6 million and was included in accrued expenses and other liabilities on the consolidated statements of financial condition. The following table presents a summary of activity in the ACL for the periods indicated:
|  | Year Ended December 31,
($ in thousands) |  | 2022 |  | 2021 |  | 2020
|  | Allowance for Loan Losses |  | Reserve for Unfunded Non-Cancellable Loan Commit-ments |  | Allowance for Credit Losses |  | Allowance for Loan Losses |  | Reserve for Unfunded Non-Cancellable Loan Commit-ments |  | Allowance for Credit Losses |  | Allowance for Loan Losses |  | Reserve for Unfunded Non-Cancellable Loan Commit-ments |  | Allowance for Credit Losses
Balance at beginning of year |  | $ | 92,584 |  |  | $ | 5,605 |  |  | $ | 98,189 |  |  | $ | 81,030 |  |  | $ | 3,183 |  |  | $ | 84,213 |  |  | $ | 57,649 |  |  | $ | 4,064 |  |  | $ | 61,713 |
Impact of adopting ASU 2016-13 |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 7,609 |  |  | (1,226) |  |  | 6,383 |
Initial reserve for purchased credit-deteriorated loans (1) |  | — |  |  | — |  |  | — |  |  | 13,650 |  |  | — |  |  | 13,650 |  |  | — |  |  | — |  |  | — |
Loans charged off |  | (9,278) |  |  | — |  |  | (9,278) |  |  | (9,886) |  |  | — |  |  | (9,886) |  |  | (15,417) |  |  | — |  |  | (15,417) |
Recoveries of loans previously charged off |  | 33,896 |  |  | — |  |  | 33,896 |  |  | 3,358 |  |  | — |  |  | 3,358 |  |  | 1,815 |  |  | — |  |  | 1,815 |
Net recoveries (charge-offs) |  | 24,618 |  |  | — |  |  | 24,618 |  |  | (6,528) |  |  | — |  |  | (6,528) |  |  | (13,602) |  |  | — |  |  | (13,602) |
(Reversal of) provision for credit losses |  | (31,242) |  |  | (300) |  |  | (31,542) |  |  | 4,432 |  |  | 2,422 |  |  | 6,854 |  |  | 29,374 |  |  | 345 |  |  | 29,719 |
Balance at end of year |  | $ | 85,960 |  |  | $ | 5,305 |  |  | $ | 91,265 |  |  | $ | 92,584 |  |  | $ | 5,605 |  |  | $ | 98,189 |  |  | $ | 81,030 |  |  | $ | 3,183 |  |  | $ | 84,213 |
(1)Represents the amounts, at acquisition date, of expected credit losses on PCD loans, net of expected recoveries of PCD loans charged-off prior to acquisition date that we have a contractual right to receive. During 2022, total recoveries included $31.3 million related to a recovery from the settlement of a loan previously charged-off in 2019. This recovery resulted in a reversal of provision for credit losses during the same period. During 2021, we recorded a $13.7 million initial allowance for credit losses established for PCD loans from the PMB Acquisition and an $11.3 million initial charge to provision for credit losses for all other loans and unfunded commitments acquired from PMB. During 2021, net charge-offs included $4.4 million related to a commercial and industrial loan acquired from PMB and a $2.0 million SBA relationship. During 2021, recoveries totaled $3.4 million and included $2.6 million of recoveries related to PCD loans acquired from PMB that were charged-off prior to acquisition date that we had a contractual right to receive. During 2020, a $16.1 million legacy shared national credit was resolved resulting in a charge-off of $10.7 million. Accrued interest receivable on loans receivable, net totaled $28.6 million and $25.8 million at December 31, 2022 and 2021, and is included within other assets in the accompanying consolidated statements of financial condition. Accrued interest receivable is excluded from the allowance for credit losses. The following table presents the activity and balance in the ALL as of or for the year ended December 31, 2022:
($ in thousands) |  | Commercial and Industrial |  | Commercial Real Estate |  | Multifamily |  | SBA |  | Construction |  |  |  | Single Family Residential Mortgage |  | Other Consumer |  |  |  | Total
ALL: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Balance at December 31, 2021 |  | $ | 33,557 |  |  | $ | 21,727 |  |  | $ | 17,893 |  |  | $ | 3,017 |  |  | $ | 5,622 |  |  |  |  | $ | 9,608 |  |  | $ | 1,160 |  |  |  |  | $ | 92,584 |
Charge-offs |  | (8,597) |  |  | — |  |  | — |  |  | (428) |  |  | — |  |  |  |  | (10) |  |  | (243) |  |  |  |  | (9,278) |
Recoveries |  | 32,887 |  |  | 7 |  |  | — |  |  | 791 |  |  | — |  |  |  |  | 193 |  |  | 18 |  |  |  |  | 33,896 |
Net recoveries (charge-offs) |  | 24,290 |  |  | 7 |  |  | — |  |  | 363 |  |  | — |  |  |  |  | 183 |  |  | (225) |  |  |  |  | 24,618 |
(Reversal of) provision for credit losses |  | (23,691) |  |  | (5,757) |  |  | (3,197) |  |  | (732) |  |  | 228 |  |  |  |  | 2,259 |  |  | (352) |  |  |  |  | (31,242) |
Balance at December 31, 2022 |  | $ | 34,156 |  |  | $ | 15,977 |  |  | $ | 14,696 |  |  | $ | 2,648 |  |  | $ | 5,850 |  |  |  |  | $ | 12,050 |  |  | $ | 583 |  |  |  |  | $ | 85,960 |
The following table presents the activity and balance in the ALL as of or for the year ended December 31, 2021:
($ in thousands) |  | Commercial and Industrial |  | Commercial Real Estate |  | Multifamily |  | SBA |  | Construction |  |  |  | Single Family Residential Mortgage |  | Other Consumer |  |  |  | Total
ALL: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Balance at December 31, 2020 |  | $ | 20,608 |  |  | $ | 19,074 |  |  | $ | 22,512 |  |  | $ | 3,145 |  |  | $ | 5,849 |  |  |  |  | $ | 9,191 |  |  | $ | 651 |  |  |  |  | $ | 81,030 |
Initial reserve for purchased credit-deteriorated loans(1) |  | 11,933 |  |  | 614 |  |  | 469 |  |  | 575 |  |  | 28 |  |  |  |  | — |  |  | 31 |  |  |  |  | 13,650 |
Charge-offs |  | (6,209) |  |  | (576) |  |  | — |  |  | (2,780) |  |  | — |  |  |  |  | (321) |  |  | — |  |  |  |  | (9,886) |
Recoveries |  | 3,150 |  |  | — |  |  | — |  |  | 132 |  |  | — |  |  |  |  | 74 |  |  | 2 |  |  |  |  | 3,358 |
Net (charge-offs) recoveries |  | (3,059) |  |  | (576) |  |  | — |  |  | (2,648) |  |  | — |  |  |  |  | (247) |  |  | 2 |  |  |  |  | (6,528) |
Provision for (reversal of) credit losses |  | 4,075 |  |  | 2,615 |  |  | (5,088) |  |  | 1,945 |  |  | (255) |  |  |  |  | 664 |  |  | 476 |  |  |  |  | 4,432 |
Balance at December 31, 2021 |  | $ | 33,557 |  |  | $ | 21,727 |  |  | $ | 17,893 |  |  | $ | 3,017 |  |  | $ | 5,622 |  |  |  |  | $ | 9,608 |  |  | $ | 1,160 |  |  |  |  | $ | 92,584 |
(1)Represents the amounts, at acquisition date, of expected credit losses on PCD loans and expected recoveries of PCD loans charged-off prior to acquisition date that we have a contractual right to receive. Collateral Dependent Loans A loan is considered collateral dependent when the borrower is experiencing financial difficulty and repayment of the loan is expected to be provided substantially through the operation or sale of the collateral. Collateral dependent loans are evaluated individually and the ALL is determined based on the amount by which amortized costs exceed the estimated fair value of the collateral, adjusted for estimated selling costs. Collateral dependent loans consisted of the following as of the dates indicated:
|  | Real Estate |  |  |  |  |  |
($ in thousands) |  | Commercial |  | Residential |  | Business Assets |  | Automobile |  | Total
December 31, 2022 |  |  |  |  |  |  |  |  |  |
Commercial: |  |  |  |  |  |  |  |  |  |
Commercial and industrial |  | $ | — |  |  | $ | — |  |  | $ | 18,392 |  |  | $ | — |  |  | $ | 18,392 |
Commercial real estate |  | 910 |  |  | — |  |  | — |  |  | — |  |  | 910 |
SBA |  | 23 |  |  | 4,702 |  |  | 5,691 |  |  | — |  |  | 10,416 |
Consumer: |  |  |  |  |  |  |  |  |  |
Single family residential mortgage |  | — |  |  | 21,262 |  |  | — |  |  | — |  |  | 21,262 |
Other consumer |  | — |  |  | 81 |  |  | — |  |  | 113 |  |  | 194 |
Total loans |  | $ | 933 |  |  | $ | 26,045 |  |  | $ | 24,083 |  |  | $ | 113 |  |  | $ | 51,174 |
December 31, 2021 |  |  |  |  |  |  |  |  |  |
Commercial: |  |  |  |  |  |  |  |  |  |
Commercial and industrial |  | $ | 13,518 |  |  | $ | 37 |  |  | $ | 4,776 |  |  | $ | — |  |  | $ | 18,331 |
SBA |  | 689 |  |  | 4,458 |  |  | 11,511 |  |  | — |  |  | 16,658 |
Consumer: |  |  |  |  |  |  |  |  |  |
Single family residential mortgage |  | — |  |  | 14,012 |  |  | — |  |  | — |  |  | 14,012 |
Other consumer |  | — |  |  | — |  |  | — |  |  | 235 |  |  | 235 |
Total loans |  | $ | 14,207 |  |  | $ | 18,507 |  |  | $ | 16,287 |  |  | $ | 235 |  |  | $ | 49,236 |
Troubled Debt Restructurings (TDRs) TDR loans consisted of the following as of the dates indicated:
|  |  |  |  |  | December 31,
($ in thousands) |  |  |  |  |  | 2022 |  |  |  |  |  | 2021
Commercial: |  |  |  |  |  |  |  |  |  |  |  |
Commercial and industrial |  |  |  |  |  | $ | 14,636 |  |  |  |  |  |  | $ | 5,241 |
Commercial real estate |  |  |  |  |  | — |  |  |  |  |  |  | 4,243 |
SBA |  |  |  |  |  | 295 |  |  |  |  |  |  | 265 |
Consumer: |  |  |  |  |  |  |  |  |  |  |  |
Single family residential mortgage |  |  |  |  |  | 1,214 |  |  |  |  |  |  | 6,935 |
Total loans |  |  |  |  |  | $ | 16,145 |  |  |  |  |  |  | $ | 16,684 |
We had commitments to lend to customers with outstanding loans that were classified as TDRs of $97 thousand and $63 thousand at December 31, 2022 and 2021. Accruing TDRs were $2.7 million and nonaccrual TDRs were $13.4 million at December 31, 2022, compared to accruing TDRs of $12.5 million and nonaccrual TDRs of $4.1 million at December 31, 2021. The increase in TDRs during the year ended December 31, 2022 was primarily due to the modification of two commercial and industrial loan relationships. The following table summarizes the pre-modification and post-modification balances of the new TDRs for the periods indicated:
|  | Year Ended December 31,
|  | 2022 |  | 2021 |  | 2020
($ in thousands) |  | Number of Loans |  | Pre-Modification Outstanding Recorded Investment |  | Post-Modification Outstanding Recorded Investment |  | Number of Loans |  | Pre-Modification Outstanding Recorded Investment |  | Post-Modification Outstanding Recorded Investment |  | Number of Loans |  | Pre-Modification Outstanding Recorded Investment |  | Post-Modification Outstanding Recorded Investment
Commercial: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial and industrial |  | 4 |  |  | $ | 20,340 |  |  | $ | 20,340 |  |  | — |  |  | $ | — |  |  | $ | — |  |  | 1 |  |  | $ | 5,000 |  |  | $ | 5,000 |
SBA |  | 2 |  |  | 833 |  |  | 833 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Consumer: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Single family residential mortgage |  | — |  |  | — |  |  | — |  |  | 2 |  |  | 3,420 |  |  | 3,420 |  |  | — |  |  | — |  |  | — |
Total |  | 6 |  |  | $ | 21,173 |  |  | $ | 21,173 |  |  | 2 |  |  | $ | 3,420 |  |  | $ | 3,420 |  |  | 1 |  |  | $ | 5,000 |  |  | $ | 5,000 |
We consider a TDR to be in payment default once it becomes 30 days or more past due following a modification. For the year ended December 31, 2022 and 2021, there were no loans that were modified as a TDR during the prior 12 months that had subsequent payment defaults. For the year ended December 31, 2020, there was one SBA loan that was modified as TDRs during the prior 12 months that had a subsequent payment default. The following table summarizes the TDRs by modification type for the periods indicated:
|  |  |  |  | Modification Type
|  |  |  | Change in Principal Payments |  |  |  | Extension of Maturity(1) |  |  |  | Total
($ in thousands) |  |  |  |  |  | Count |  | Amount |  |  |  |  |  | Count |  | Amount |  |  |  |  |  | Count |  | Amount
Year ended December 31, 2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial and industrial(2) |  |  |  |  |  | 1 |  |  | $ | 1,000 |  |  |  |  |  |  | 3 |  |  | $ | 19,340 |  |  |  |  |  |  | 4 |  |  | $ | 20,340 |
SBA |  |  |  |  |  | — |  |  | — |  |  |  |  |  |  | 2 |  |  | 833 |  |  |  |  |  |  | 2 |  |  | 833 |
Total |  |  |  |  |  | 1 |  |  | $ | 1,000 |  |  |  |  |  |  | 5 |  |  | $ | 20,173 |  |  |  |  |  |  | 6 |  |  | $ | 21,173 |
Year ended December 31, 2021 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Consumer: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Single family residential mortgage(3) |  |  |  |  |  | — |  |  | $ | — |  |  |  |  |  |  | 2 |  |  | $ | 3,420 |  |  |  |  |  |  | 2 |  |  | $ | 3,420 |
Total |  |  |  |  |  | — |  |  | $ | — |  |  |  |  |  |  | 2 |  |  | $ | 3,420 |  |  |  |  |  |  | 2 |  |  | $ | 3,420 |
Year ended December 31, 2020 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial and industrial |  |  |  |  |  | — |  |  | $ | — |  |  |  |  |  |  | 1 |  |  | $ | 5,000 |  |  |  |  |  |  | 1 |  |  | $ | 5,000 |
Total |  |  |  |  |  | — |  |  | $ | — |  |  |  |  |  |  | 1 |  |  | $ | 5,000 |  |  |  |  |  |  | 1 |  |  | $ | 5,000 |
(1)Excludes loans in forbearance or deferment that received an extension of maturity through the CARES Act during the years ended December 31, 2021 and 2020. (2)Includes three commercial and industrial loans aggregating $19.3 million that included both an extension in maturity and payment plan (3)Includes one SFR mortgage loan totaling $1.8 million that included both an extension in maturity and change in interest rate from variable to fixed. Purchases, Sales, and Transfers The following table presents loans purchased and/or sold by portfolio segment, excluding loans held-for-sale and loans acquired in a business combination for the periods indicated:
|  | Year Ended December 31,
|  | 2022 |  | 2021 |  | 2020
($ in thousands) |  | Purchases |  | Sales |  | Purchases |  | Sales |  | Purchases |  | Sales
Commercial: |  |  |  |  |  |  |  |  |  |  |  |
Multifamily |  | $ | — |  |  | $ | — |  |  | $ | 29,764 |  |  | $ | — |  |  | $ | 120,900 |  |  | $ | — |
Construction |  | — |  |  | — |  |  | — |  |  | — |  |  | 14,750 |  |  | — |
Consumer: |  |  |  |  |  |  |  |  |  |  |  |
Single family residential mortgage |  | 814,262 |  |  | — |  |  | 795,773 |  |  | — |  |  | 149,687 |  |  | — |
Total |  | $ | 814,262 |  |  | $ | — |  |  | $ | 825,537 |  |  | $ | — |  |  | $ | 285,337 |  |  | $ | — |
Loan purchases during the years ended December 31, 2022, 2021, and 2020 were made at a net premium of $4.0 million, $17.5 million and $4.7 million. The following table presents PCD loans acquired for the periods indicated:
|  | Year Ended December 31,
($ in thousands) |  | 2022 |  | 2021 |  | 2020
Par value |  | — |  |  | 225,405 |  |  | — |
Initial reserve based on ACL methodology(1) |  | — |  |  | (16,200) |  |  | — |
Net discount related to items other than credit |  | — |  |  | (3,786) |  |  | — |
Total purchase price |  | $ | — |  |  | $ | 205,419 |  |  | $ | — |
(1)The initial reserve for PCD loans at acquisition date and based on our ACL methodology was $13.7 million and included $2.6 million related to expected recoveries of loans that were fully or partially charged off prior to acquisition. There were no transfers of loans between loans held-for-sale and loans held-for-investment during the years ended December 31, 2022 and 2020. During the year ended 2021, we transferred $4.4 million of commercial mortgage loans and $10.8 million of SFR mortgage loans to held-for-sale. Non-Traditional Mortgage (NTM) Loans NTM loans are included in our SFR mortgage portfolio and are comprised primarily of interest only loans. As of December 31, 2022 and 2021, the NTM loans totaled $862.3 million, or 12.1% of total loans, and $635.3 million, or 8.8% of total loans, respectively. We no longer originate SFR loans, however we have purchased and may continue to purchase pools of loans that include NTM loans such as interest only loans with maturities of up to 40 years and flexible initial repricing dates, ranging from 1 to 10 years, and periodic repricing dates through the life of the loan. Interest only loans are primarily SFR first mortgage loans that generally have a 30 to 40-year term at the time of origination and include payment features that allow interest only payments in initial periods before converting to a fully amortizing loan. At December 31, 2022 and 2021, nonperforming NTM loans totaled $3.0 million and $4.0 million. Non-Traditional Mortgage Performance Indicators Our risk management policy and credit monitoring include reviewing delinquency, FICO scores, and LTV ratios on the NTM loan portfolio. We also continuously monitor market conditions for our geographic lending areas. We have determined that the most significant performance indicators for NTM first lien loans are LTV ratios. At December 31, 2022, our NTM first lien portfolio had a weighted average LTV of approximately 59%.

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- Definition The entire disclosure for claims held for amounts due a entity, excluding financing receivables. Examples include, but are not limited to, trade accounts receivables, notes receivables, loans receivables. Includes disclosure for allowance for credit losses. + References Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef -Publisher FASB -Name Accounting Standards Codification -Topic 310 -SubTopic 10 -URI https://asc.fasb.org/subtopic&trid=2196772 + Details
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