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LOAN REPURCHASE RESERVE

12 Months Ended

Dec. 31, 2022

The following table presents a summary of activity in the loan repurchase reserve for the periods indicated:


	Year Ended December 31,
($ in thousands)	2022		2021		2020
Balance at beginning of year	$	4,348	$	5,515	$	6,201

Subsequent change in the reserve	(1,004)		(948)		(686)
Utilization of reserve for loan repurchases	(355)		(219)		—

Balance at end of year	$	2,989	$	4,348	$	5,515

We believe that our obligations for loan repurchases or loss reimbursements were adequately reserved for at December 31, 2022.