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Loans and Leases Receivable and Allowance for Credit Losses on Loans and Leases (Tables) | 12 Months Ended
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Dec. 31, 2023
Receivables [Abstract] |
Schedule of Loans and Leases Receivable | The following table presents loans and leases receivable as of December 31, 2023 and 2022:
| December 31,
(amounts in thousands) | 2023 |  | 2022
Loans receivable, mortgage warehouse, at fair value | $ | 897,912 |  |  | $ | 1,323,312 |
Loans receivable, PPP | 74,735 |  |  | 998,153 |
Loans and leases receivable: |  |  |
Commercial: |  |  |
Commercial and industrial: |  |  |
Specialty lending (1) | 5,006,693 |  |  | 5,412,887 |
Other commercial and industrial | 1,204,412 |  |  | 1,259,943 |
Multifamily | 2,138,622 |  |  | 2,213,019 |
Commercial real estate owner occupied | 797,319 |  |  | 885,339 |
Commercial real estate non-owner occupied | 1,177,650 |  |  | 1,290,730 |
Construction | 166,393 |  |  | 162,009 |
Total commercial loans and leases receivable | 10,491,089 |  |  | 11,223,927 |
Consumer: |  |  |
Residential real estate | 484,435 |  |  | 497,952 |
Manufactured housing | 38,670 |  |  | 45,076 |
Installment: |  |  |
Personal | 555,533 |  |  | 964,641 |
Other | 319,393 |  |  | 413,298 |
Total consumer loans receivable | 1,398,031 |  |  | 1,920,967 |
Loans and leases receivable | 11,889,120 |  |  | 13,144,894 |
Allowance for credit losses on loans and leases | (135,311) |  |  | (130,924) |
Total loans and leases receivable, net of allowance for credit losses on loans and leases (2) | $ | 12,726,456 |  |  | $ | 15,335,435 |
(1)Includes direct finance equipment leases of $205.7 million and $157.4 million at December 31, 2023 and 2022, respectively. (2)Includes deferred (fees) costs and unamortized (discounts) premiums, net of $(22.7) million and $(21.5) million at December 31, 2023 and 2022, respectively.
Loans Receivable by Class and Performance Status | The following tables summarize loans and leases receivable by loan and lease type and performance status as of December 31, 2023 and 2022:
| December 31, 2023
(amounts in thousands) | 30-59 Days past due (1) |  | 60-89 Days past due (1) |  | 90 Days or more past due (2) |  | Total past due |  | Loans and leases not past due (3)(4) |  | Total loans and leases (4)
Commercial and industrial, including specialty lending | $ | 1,516 |  |  | $ | 322 |  |  | $ | 4,153 |  |  | $ | 5,991 |  |  | $ | 6,205,114 |  |  | $ | 6,211,105 |
Multifamily | 16,003 |  |  | — |  |  | — |  |  | 16,003 |  |  | 2,122,619 |  |  | 2,138,622 |
Commercial real estate owner occupied | 449 |  |  | 3,814 |  |  | 5,827 |  |  | 10,090 |  |  | 787,229 |  |  | 797,319 |
Commercial real estate non-owner occupied | 16,653 |  |  | — |  |  | — |  |  | 16,653 |  |  | 1,160,997 |  |  | 1,177,650 |
Construction | — |  |  | — |  |  | — |  |  | — |  |  | 166,393 |  |  | 166,393 |
Residential real estate | 10,504 |  |  | 2,255 |  |  | 3,764 |  |  | 16,523 |  |  | 467,912 |  |  | 484,435 |
Manufactured housing | 1,152 |  |  | 343 |  |  | 2,869 |  |  | 4,364 |  |  | 34,306 |  |  | 38,670 |
Installment | 9,255 |  |  | 7,866 |  |  | 7,211 |  |  | 24,332 |  |  | 850,594 |  |  | 874,926 |
Total | $ | 55,532 |  |  | $ | 14,600 |  |  | $ | 23,824 |  |  | $ | 93,956 |  |  | $ | 11,795,164 |  |  | $ | 11,889,120 |
| December 31, 2022
(amounts in thousands) | 30-59 Days past due (1) |  | 60-89 Days past due (1) |  | 90 Days or more past due (2) |  | Total past due |  | Loans and leases not past due (3) |  |  |  | Total loans and leases (4)
Commercial and industrial, including specialty lending | $ | 3,123 |  |  | $ | 717 |  |  | $ | 1,415 |  |  | $ | 5,255 |  |  | $ | 6,667,575 |  |  |  |  | $ | 6,672,830 |
Multifamily | 10,684 |  |  | 5,217 |  |  | 1,143 |  |  | 17,044 |  |  | 2,195,975 |  |  |  |  | 2,213,019 |
Commercial real estate owner occupied | 5,173 |  |  | — |  |  | 2,704 |  |  | 7,877 |  |  | 877,462 |  |  |  |  | 885,339 |
Commercial real estate non-owner occupied | 2,136 |  |  | — |  |  | 11 |  |  | 2,147 |  |  | 1,288,583 |  |  |  |  | 1,290,730 |
Construction | — |  |  | — |  |  | — |  |  | — |  |  | 162,009 |  |  |  |  | 162,009 |
Residential real estate | 5,208 |  |  | 1,157 |  |  | 3,158 |  |  | 9,523 |  |  | 488,429 |  |  |  |  | 497,952 |
Manufactured housing | 901 |  |  | 537 |  |  | 3,346 |  |  | 4,784 |  |  | 40,292 |  |  |  |  | 45,076 |
Installment | 11,246 |  |  | 7,942 |  |  | 9,527 |  |  | 28,715 |  |  | 1,349,224 |  |  |  |  | 1,377,939 |
Total | $ | 38,471 |  |  | $ | 15,570 |  |  | $ | 21,304 |  |  | $ | 75,345 |  |  | $ | 13,069,549 |  |  |  |  | $ | 13,144,894 |
(1)Includes past due loans and leases that are accruing interest because collection is considered probable. (2)Includes loans amounting to $0.5 million and $1.9 million as of December 31, 2023 and 2022, respectively, that are still accruing interest because collection is considered probable. (3)Loans and leases where next payment due is less than 30 days from the report date. The tables exclude PPP loans of $74.7 million, of which $0.7 million were 30-59 days past due and $48.5 million were 60 days or more past due as of December 31, 2023, and PPP loans of $998.2 million, of which $0.6 million were 30-59 days past due and $36.0 million were 60 days or more past due as of December 31, 2022. Claims for guarantee payments are submitted to the SBA for eligible PPP loans that are more than 60 days past due. (4)Includes PCD loans of $157.2 million and $8.3 million at December 31, 2023 and 2022, respectively. On June 15, 2023, Customers acquired $631.0 million of Venture Banking loan portfolio (included within specialty lending above) from the FDIC, which included $228.7 million of PCD loans.
Amortized Cost of Loans and Leases on Nonaccrual Status | The following table presents the amortized cost of loans and leases held for investment on nonaccrual status.
| December 31, 2023 |  | December 31, 2022 |  |  |  |
(amounts in thousands) | Nonaccrual loans with no related allowance |  | Nonaccrual loans with related allowance |  | Total nonaccrual loans |  | Nonaccrual loans with no related allowance |  | Nonaccrual loans with related allowance |  | Total nonaccrual loans |  |  |  |  |  |  |  |
Commercial and industrial, including specialty lending | $ | 3,365 |  |  | $ | 1,071 |  |  | $ | 4,436 |  |  | $ | 1,731 |  |  | $ | 30 |  |  | $ | 1,761 |  |  |  |  |  |  |  |  |
Multifamily | — |  |  | — |  |  | — |  |  | 1,143 |  |  | — |  |  | 1,143 |  |  |  |  |  |  |  |  |
Commercial real estate owner occupied | 5,869 |  |  | — |  |  | 5,869 |  |  | 2,768 |  |  | — |  |  | 2,768 |  |  |  |  |  |  |  |  |
Residential real estate | 6,685 |  |  | 117 |  |  | 6,802 |  |  | 6,922 |  |  | — |  |  | 6,922 |  |  |  |  |  |  |  |  |
Manufactured housing | — |  |  | 2,331 |  |  | 2,331 |  |  | — |  |  | 2,410 |  |  | 2,410 |  |  |  |  |  |  |  |  |
Installment | — |  |  | 7,211 |  |  | 7,211 |  |  | — |  |  | 9,527 |  |  | 9,527 |  |  |  |  |  |  |  |  |
Total | $ | 15,919 |  |  | $ | 10,730 |  |  | $ | 26,649 |  |  | $ | 12,564 |  |  | $ | 11,967 |  |  | $ | 24,531 |  |  |  |  |  |  |  |  |
Schedule of Allowance for Loan Losses | The changes in the ACL on loans and leases by loan and lease type for the years ended December 31, 2023, 2022 and 2021, are presented in the tables below. ACL as of December 31, 2023, 2022 and 2021 is calculated in accordance with the CECL methodology as described in NOTE 2 – SIGNIFICANT ACCOUNTING POLICIES AND BASIS OF PRESENTATION.
(amounts in thousands) | Commercial and industrial (1) |  | Multifamily |  | Commercial real estate owner occupied |  | Commercial real estate non-owner occupied |  | Construction |  | Residential real estate |  | Manufactured housing |  | Installment |  |  |  | Total
Ending Balance, December 31, 2020 | $ | 12,239 |  |  | $ | 12,620 |  |  | $ | 9,512 |  |  | $ | 19,452 |  |  | $ | 5,871 |  |  | $ | 3,977 |  |  | $ | 5,190 |  |  | $ | 75,315 |  |  |  |  | $ | 144,176 |
Charge-offs | (1,550) |  |  | (1,132) |  |  | (749) |  |  | (944) |  |  | — |  |  | (130) |  |  | — |  |  | (35,876) |  |  |  |  | (40,381) |
Recoveries | 1,102 |  |  | — |  |  | 500 |  |  | 84 |  |  | 125 |  |  | 54 |  |  | — |  |  | 4,718 |  |  |  |  | 6,583 |
Provision (benefit) for credit losses on loans and leases | 911 |  |  | (7,011) |  |  | (6,050) |  |  | (12,382) |  |  | (5,304) |  |  | (1,518) |  |  | (912) |  |  | 59,692 |  |  |  |  | 27,426 |
Ending Balance, December 31, 2021 | $ | 12,702 |  |  | $ | 4,477 |  |  | $ | 3,213 |  |  | $ | 6,210 |  |  | $ | 692 |  |  | $ | 2,383 |  |  | $ | 4,278 |  |  | $ | 103,849 |  |  |  |  | $ | 137,804 |
Charge-offs | (16,248) |  |  | (1,990) |  |  | — |  |  | (6,075) |  |  | — |  |  | (17) |  |  | — |  |  | (52,866) |  |  |  |  | (77,196) |
Recoveries | 1,182 |  |  | 337 |  |  | 51 |  |  | 121 |  |  | 236 |  |  | 64 |  |  | — |  |  | 8,837 |  |  |  |  | 10,828 |
Provision (benefit) for credit losses on loans and leases | 19,946 |  |  | 11,717 |  |  | 3,190 |  |  | 10,963 |  |  | 985 |  |  | 3,664 |  |  | 152 |  |  | 8,871 |  |  |  |  | 59,488 |
Ending Balance, December 31, 2022 | $ | 17,582 |  |  | $ | 14,541 |  |  | $ | 6,454 |  |  | $ | 11,219 |  |  | $ | 1,913 |  |  | $ | 6,094 |  |  | $ | 4,430 |  |  | $ | 68,691 |  |  |  |  | $ | 130,924 |
Allowance for credit losses on FDIC PCD loans, net of charge-offs (2) | 2,576 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  |  |  | 2,576 |
Charge-offs | (16,915) |  |  | (3,574) |  |  | (39) |  |  | (4,527) |  |  | — |  |  | (69) |  |  | — |  |  | (69,942) |  |  |  |  | (95,066) |
Recoveries | 8,472 |  |  | — |  |  | 34 |  |  | 315 |  |  | 116 |  |  | 35 |  |  | — |  |  | 17,059 |  |  |  |  | 26,031 |
Provision (benefit) for credit losses on loans and leases | 11,788 |  |  | 5,376 |  |  | 3,433 |  |  | 9,852 |  |  | (547) |  |  | 526 |  |  | (191) |  |  | 40,609 |  |  |  |  | 70,846 |
Ending Balance, December 31, 2023 | $ | 23,503 |  |  | $ | 16,343 |  |  | $ | 9,882 |  |  | $ | 16,859 |  |  | $ | 1,482 |  |  | $ | 6,586 |  |  | $ | 4,239 |  |  | $ | 56,417 |  |  |  |  | $ | 135,311 |
(1) Includes specialty lending. (2) Represents $8.7 million of allowance for credit losses on PCD loans recognized upon acquisition of a Venture Banking loan portfolio (included within specialty lending) from the FDIC on June 15, 2023, net of $6.2 million of charge-offs for certain of these PCD loans upon acquisition.
Summary of Loans Modified in Troubled Debt Restructurings and Recorded Investments | The following table presents the amortized cost of loans that were modified to borrowers experiencing financial difficulty for the year ended December 31, 2023, disaggregated by class of financing receivable and type of modification granted.
|  |  | For the Year Ended December 31, 2023 |  |
(dollars in thousands) |  |  | Term Extension |  | Payment Deferral |  | Debt Forgiveness |  | Interest Rate Reduction and Term Extension |  | Total |  | Percentage of Total by Financing Class |  |  |  |  |  |  |  |  |  |  |  |
Commercial and industrial, including specialty lending |  |  | $ | 250 |  |  | $ | 14,791 |  |  | $ | — |  |  | $ | — |  |  | $ | 15,041 |  |  | 0.24 | % |  |  |  |  |  |  |  |  |  |  |  |
Commercial real estate owner occupied |  |  | 169 |  |  | — |  |  | — |  |  | — |  |  | 169 |  |  | 0.02 | % |  |  |  |  |  |  |  |  |  |  |  |
Residential real estate |  |  | 46 |  |  | — |  |  | — |  |  | — |  |  | 46 |  |  | 0.01 | % |  |  |  |  |  |  |  |  |  |  |  |
Manufactured housing |  |  | 158 |  |  | — |  |  | — |  |  | 664 |  |  | 822 |  |  | 2.13 | % |  |  |  |  |  |  |  |  |  |  |  |
Personal installment |  |  | 14,075 |  |  | 756 |  |  | 312 |  |  | — |  |  | 15,143 |  |  | 2.73 | % |  |  |  |  |  |  |  |  |  |  |  |
Total |  |  | $ | 14,698 |  |  | $ | 15,547 |  |  | $ | 312 |  |  | $ | 664 |  |  | $ | 31,221 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
The following table summarizes the impacts of loan modifications made to borrowers experiencing financial difficulty for the year ended December 31, 2023.
| For the Year Ended December 31, 2023
| Weighted Average |  |
(dollars in thousands) | Interest Rate Reduction (%) |  | Term Extension (in months) |  | Payment Deferral (in months) |  | Debt Forgiven
Commercial and industrial, including specialty lending | —% |  | 56 |  | 10 |  | $ | — |
Commercial real estate owner occupied | — |  | 4 |  | 0 |  | — |
Residential real estate | — |  | 228 |  | 0 |  | — |
Manufactured housing | 2.5 |  | 56 |  | 0 |  | — |
Personal installment | — |  | 5 |  | 6 |  | 462 |
The performance of loans made to borrowers experiencing financial difficulty in which modifications were made is closely monitored to understand the effectiveness of modification efforts. Loans are considered to be in payment default at 90 days or more past due. The following table presents an aging analysis of loan modifications made to borrowers experiencing financial difficulty during the year ended December 31, 2023.
| December 31, 2023 |  |
(dollars in thousands) | 30-59 Days past due |  | 60-89 Days past due |  | 90 Days or more past due |  | Current |  | Total |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial and industrial, including specialty lending | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | 15,041 |  |  | $ | 15,041 |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial real estate owner occupied | — |  |  | — |  |  | 169 |  |  | — |  |  | 169 |  |  |  |  |  |  |  |  |  |  |  |  |  |
Residential real estate | — |  |  | — |  |  | — |  |  | 46 |  |  | 46 |  |  |  |  |  |  |  |  |  |  |  |  |  |
Manufactured housing | 51 |  |  | 31 |  |  | — |  |  | 740 |  |  | 822 |  |  |  |  |  |  |  |  |  |  |  |  |  |
Personal installment | 1,000 |  |  | 785 |  |  | 518 |  |  | 12,840 |  |  | 15,143 |  |  |  |  |  |  |  |  |  |  |  |  |  |
Total | $ | 1,051 |  |  | $ | 816 |  |  | $ | 687 |  |  | $ | 28,667 |  |  | $ | 31,221 |  |  |  |  |  |  |  |  |  |  |  |  |  |
Analysis of Loans Modified in Troubled Debt Restructuring by Type of Concession | The following table presents loans modified in a TDR by type of concession for the years ended December 31, 2022 and 2021. There were no modifications that involved forgiveness of debt for the years ended December 31, 2022 and 2021.
|  |  |  |  | For the Years Ended December 31,
|  |  | 2022 |  | 2021
(dollars in thousands) |  |  |  |  | Number of loans |  | Recorded investment |  | Number of loans |  | Recorded investment
Interest-rate reductions |  |  |  |  | 18 |  |  | $ | 582 |  |  | 17 |  |  | $ | 622 |
Other (1) |  |  |  |  | 241 |  |  | 2,748 |  |  | 185 |  |  | 2,875 |
Total |  |  |  |  | 259 |  |  | $ | 3,330 |  |  | 202 |  |  | $ | 3,497 |
(1) Other includes covenant modifications, forbearance, loans discharged under Chapter 7 bankruptcy, or other concessions.
Summary of Loans Modified in Troubled Debt Restructurings and Related Recorded Investment Within Twelve Months | The following table presents, by loan type, the number of loans modified in TDRs and the related recorded investment, for which there was a payment default within twelve months following the modification:
|  |  | December 31, 2022 |  | December 31, 2021
(dollars in thousands) |  |  |  |  | Number of loans |  | Recorded investment |  | Number of loans |  | Recorded investment
Installment |  |  |  |  | 212 |  |  | $ | 2,206 |  |  | 21 |  |  | $ | 263 |
Residential real estate |  |  |  |  | 2 |  |  | 201 |  |  | 1 |  |  | 121 |
Manufactured housing |  |  |  |  | 15 |  |  | 491 |  |  | 2 |  |  | 71 |
Total loans |  |  |  |  | 229 |  |  | $ | 2,898 |  |  | 24 |  |  | $ | 455 |
Credit Quality Tables | The following tables present the credit ratings of loans and leases receivable and current period gross write-offs as of December 31, 2023 and 2022.
| Term Loans Amortized Cost Basis by Origination Year as of December 31, 2023 |  |  |  |  |  |
(amounts in thousands) | 2023 |  | 2022 |  | 2021 |  | 2020 |  | 2019 |  | Prior |  | Revolving loans amortized cost basis |  | Revolving loans converted to term |  | Total
Commercial and industrial loans and leases, including specialty lending: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | $ | 1,184,923 |  |  | $ | 1,909,592 |  |  | $ | 483,039 |  |  | $ | 170,384 |  |  | $ | 59,213 |  |  | $ | 63,480 |  |  | $ | 1,722,559 |  |  | $ | 384,947 |  |  | $ | 5,978,137 |
Special mention | 18,000 |  |  | 3,377 |  |  | 5,127 |  |  | 1,986 |  |  | — |  |  | 595 |  |  | 7,916 |  |  | 2,903 |  |  | 39,904 |
Substandard | 14,738 |  |  | 39,258 |  |  | 61,533 |  |  | 26,660 |  |  | 4,803 |  |  | 42,062 |  |  | 4,010 |  |  | — |  |  | 193,064 |
Doubtful | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Total commercial and industrial loans and leases | $ | 1,217,661 |  |  | $ | 1,952,227 |  |  | $ | 549,699 |  |  | $ | 199,030 |  |  | $ | 64,016 |  |  | $ | 106,137 |  |  | $ | 1,734,485 |  |  | $ | 387,850 |  |  | $ | 6,211,105 |
Commercial and industrial loans and leases charge-offs: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
For the Year Ended December 31, 2023 (1)(2) | $ | 1,483 |  |  | $ | 381 |  |  | $ | 3,169 |  |  | $ | 10,348 |  |  | $ | 24 |  |  | $ | 1,510 |  |  | $ | — |  |  | $ | — |  |  | $ | 16,915 |
Multifamily loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | $ | 845 |  |  | $ | 1,229,198 |  |  | $ | 371,016 |  |  | $ | 127,493 |  |  | $ | 43,046 |  |  | $ | 253,806 |  |  | $ | — |  |  | $ | — |  |  | $ | 2,025,404 |
Special mention | — |  |  | — |  |  | — |  |  | — |  |  | 6,468 |  |  | 67,035 |  |  | — |  |  | — |  |  | 73,503 |
Substandard | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 39,715 |  |  | — |  |  | — |  |  | 39,715 |
Doubtful | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Total multifamily loans | $ | 845 |  |  | $ | 1,229,198 |  |  | $ | 371,016 |  |  | $ | 127,493 |  |  | $ | 49,514 |  |  | $ | 360,556 |  |  | $ | — |  |  | $ | — |  |  | $ | 2,138,622 |
Multifamily loans charge-offs: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
For the Year Ended December 31, 2023 | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | 3,574 |  |  | $ | — |  |  | $ | — |  |  | $ | 3,574 |
Commercial real estate owner occupied loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | $ | 41,011 |  |  | $ | 254,878 |  |  | $ | 180,289 |  |  | $ | 77,821 |  |  | $ | 44,382 |  |  | $ | 120,248 |  |  | $ | — |  |  | $ | 11,318 |  |  | $ | 729,947 |
Special mention | — |  |  | — |  |  | 15,432 |  |  | — |  |  | 35,691 |  |  | 47 |  |  | — |  |  | — |  |  | 51,170 |
Substandard | — |  |  | — |  |  | — |  |  | — |  |  | 347 |  |  | 15,855 |  |  | — |  |  | — |  |  | 16,202 |
Doubtful | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Total commercial real estate owner occupied loans | $ | 41,011 |  |  | $ | 254,878 |  |  | $ | 195,721 |  |  | $ | 77,821 |  |  | $ | 80,420 |  |  | $ | 136,150 |  |  | $ | — |  |  | $ | 11,318 |  |  | $ | 797,319 |
Commercial real estate owner occupied loans charge-offs: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
For the Year Ended December 31, 2023 | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | 39 |  |  | $ | — |  |  | $ | — |  |  | $ | 39 |
Commercial real estate non-owner occupied loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | $ | 12,906 |  |  | $ | 325,881 |  |  | $ | 109,521 |  |  | $ | 152,227 |  |  | $ | 88,586 |  |  | $ | 367,996 |  |  | $ | — |  |  | $ | — |  |  | $ | 1,057,117 |
Special mention | — |  |  | — |  |  | — |  |  | 20,702 |  |  | — |  |  | 9,148 |  |  | — |  |  | — |  |  | 29,850 |
Substandard | — |  |  | 10,910 |  |  | — |  |  | — |  |  | 8,113 |  |  | 71,660 |  |  | — |  |  | — |  |  | 90,683 |
Doubtful | — |  |  | — |  |  | — |  |  | — |  |  |  |  | — |  |  | — |  |  | — |  |  | — |
Total commercial real estate non-owner occupied loans | $ | 12,906 |  |  | $ | 336,791 |  |  | $ | 109,521 |  |  | $ | 172,929 |  |  | $ | 96,699 |  |  | $ | 448,804 |  |  | $ | — |  |  | $ | — |  |  | $ | 1,177,650 |
Commercial real estate non-owner occupied loans charge-offs: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
For the Year Ended December 31, 2023 | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | 4,527 |  |  | $ | — |  |  | $ | — |  |  | $ | 4,527 |
| Term Loans Amortized Cost Basis by Origination Year as of December 31, 2023 |  |  |  |  |  |
(amounts in thousands) | 2023 |  | 2022 |  | 2021 |  | 2020 |  | 2019 |  | Prior |  | Revolving loans amortized cost basis |  | Revolving loans converted to term |  | Total
Construction loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | $ | 17,594 |  |  | $ | 138,797 |  |  | $ | 2,567 |  |  | $ | — |  |  | $ | — |  |  | $ | 4,580 |  |  | $ | — |  |  | $ | 1,100 |  |  | $ | 164,638 |
Special mention | 1,755 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 1,755 |
Substandard | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Doubtful | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Total construction loans | $ | 19,349 |  |  | $ | 138,797 |  |  | $ | 2,567 |  |  | $ | — |  |  | $ | — |  |  | $ | 4,580 |  |  | $ | — |  |  | $ | 1,100 |  |  | $ | 166,393 |
Construction loans charge-offs: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
For the Year Ended December 31, 2023 | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |
Total commercial loans and leases receivable | $ | 1,291,772 |  |  | $ | 3,911,891 |  |  | $ | 1,228,524 |  |  | $ | 577,273 |  |  | $ | 290,649 |  |  | $ | 1,056,227 |  |  | $ | 1,734,485 |  |  | $ | 400,268 |  |  | $ | 10,491,089 |
Total commercial loans and leases receivable charge-offs: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
For the Year Ended December 31, 2023 | $ | 1,483 |  |  | $ | 381 |  |  | $ | 3,169 |  |  | $ | 10,348 |  |  | $ | 24 |  |  | $ | 9,650 |  |  | $ | — |  |  | $ | — |  |  | $ | 25,055 |
Residential real estate loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Performing | $ | 22,613 |  |  | $ | 173,424 |  |  | $ | 131,621 |  |  | $ | 6,458 |  |  | $ | 15,508 |  |  | $ | 71,433 |  |  | $ | 56,844 |  |  | $ | — |  |  | $ | 477,901 |
Non-performing | — |  |  | 350 |  |  | 1,236 |  |  | 229 |  |  | 545 |  |  | 3,993 |  |  | 181 |  |  | — |  |  | 6,534 |
Total residential real estate loans | $ | 22,613 |  |  | $ | 173,774 |  |  | $ | 132,857 |  |  | $ | 6,687 |  |  | $ | 16,053 |  |  | $ | 75,426 |  |  | $ | 57,025 |  |  | $ | — |  |  | $ | 484,435 |
Residential real estate loans charge-offs: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
For the Year Ended December 31, 2023 | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | 69 |  |  | $ | — |  |  | $ | — |  |  | $ | 69 |
Manufactured housing loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Performing | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | 98 |  |  | $ | 36,464 |  |  | $ | — |  |  | $ | — |  |  | $ | 36,562 |
Non-performing | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 2,108 |  |  | — |  |  | — |  |  | 2,108 |
Total manufactured housing loans | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | 98 |  |  | $ | 38,572 |  |  | $ | — |  |  | $ | — |  |  | $ | 38,670 |
Manufactured housing loans charge-offs: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
For the Year Ended December 31, 2023 | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |
Installment loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Performing | $ | 253,958 |  |  | $ | 307,566 |  |  | $ | 158,381 |  |  | $ | 50,354 |  |  | $ | 39,953 |  |  | $ | 3,448 |  |  | $ | 51,480 |  |  | $ | — |  |  | $ | 865,140 |
Non-performing | 2,634 |  |  | 4,102 |  |  | 1,751 |  |  | 546 |  |  | 477 |  |  | 86 |  |  | 190 |  |  | — |  |  | 9,786 |
Total installment loans | $ | 256,592 |  |  | $ | 311,668 |  |  | $ | 160,132 |  |  | $ | 50,900 |  |  | $ | 40,430 |  |  | $ | 3,534 |  |  | $ | 51,670 |  |  | $ | — |  |  | $ | 874,926 |
Installment loans charge-offs: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
For the Year Ended December 31, 2023 | $ | 7,728 |  |  | $ | 24,605 |  |  | $ | 23,984 |  |  | $ | 5,590 |  |  | $ | 6,797 |  |  | $ | 1,238 |  |  | $ | — |  |  | $ | — |  |  | $ | 69,942 |
Total consumer loans | $ | 279,205 |  |  | $ | 485,442 |  |  | $ | 292,989 |  |  | $ | 57,587 |  |  | $ | 56,581 |  |  | $ | 117,532 |  |  | $ | 108,695 |  |  | $ | — |  |  | $ | 1,398,031 |
Total consumer loans charge-offs: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
For the Year Ended December 31, 2023 | $ | 7,728 |  |  | $ | 24,605 |  |  | $ | 23,984 |  |  | $ | 5,590 |  |  | $ | 6,797 |  |  | $ | 1,307 |  |  | $ | — |  |  | $ | — |  |  | $ | 70,011 |
Loans and leases receivable | $ | 1,570,977 |  |  | $ | 4,397,333 |  |  | $ | 1,521,513 |  |  | $ | 634,860 |  |  | $ | 347,230 |  |  | $ | 1,173,759 |  |  | $ | 1,843,180 |  |  | $ | 400,268 |  |  | $ | 11,889,120 |
Loans and leases receivable charge-offs: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
For the Year Ended December 31, 2023 | $ | 9,211 |  |  | $ | 24,986 |  |  | $ | 27,153 |  |  | $ | 15,938 |  |  | $ | 6,821 |  |  | $ | 10,957 |  |  | $ | — |  |  | $ | — |  |  | $ | 95,066 |
(1) Excludes $6.2 million of charge-offs for certain PCD loans against $8.7 million of allowance for credit losses on PCD loans recognized upon acquisition of a Venture Banking loan portfolio (included within specialty lending) from the FDIC on June 15, 2023. These PCD loans were originated in years 2016 to 2022. (2) Charge-offs for the years ended December 31, 2023 and 2022 included $10.7 million and $11.0 million, respectively, of commercial and industrial loans originated under the PPP that were subsequently determined to be ineligible for SBA forgiveness and guarantee and were ultimately deemed uncollectible.
| Term Loans Amortized Cost Basis by Origination Year as of December 31, 2022 |  |  |  |  |  |
(amounts in thousands) | 2022 |  | 2021 |  | 2020 |  | 2019 |  | 2018 |  | Prior |  | Revolving loans amortized cost basis |  | Revolving loans converted to term |  | Total
Commercial and industrial loans and leases, including specialty lending: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | $ | 3,206,250 |  |  | $ | 682,132 |  |  | $ | 242,516 |  |  | $ | 198,866 |  |  | $ | 56,572 |  |  | $ | 83,417 |  |  | $ | 2,066,349 |  |  | $ | — |  |  | $ | 6,536,102 |
Special mention | 11,134 |  |  | 6,023 |  |  | 27,780 |  |  | — |  |  | 1,501 |  |  | 172 |  |  | 2,599 |  |  | — |  |  | 49,209 |
Substandard | — |  |  | 22,917 |  |  | 967 |  |  | 8,431 |  |  | 6,713 |  |  | 39,554 |  |  | 8,937 |  |  | — |  |  | 87,519 |
Doubtful | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Total commercial and industrial loans and leases | $ | 3,217,384 |  |  | $ | 711,072 |  |  | $ | 271,263 |  |  | $ | 207,297 |  |  | $ | 64,786 |  |  | $ | 123,143 |  |  | $ | 2,077,885 |  |  | $ | — |  |  | $ | 6,672,830 |
Multifamily loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | $ | 1,260,544 |  |  | $ | 364,047 |  |  | $ | 130,656 |  |  | $ | 22,167 |  |  | $ | 112,212 |  |  | $ | 203,215 |  |  | $ | — |  |  | $ | — |  |  | $ | 2,092,841 |
Special mention | — |  |  | — |  |  | — |  |  | — |  |  | 4,959 |  |  | 50,858 |  |  | — |  |  | — |  |  | 55,817 |
Substandard | — |  |  | 1,500 |  |  | — |  |  | — |  |  | — |  |  | 62,861 |  |  | — |  |  | — |  |  | 64,361 |
Doubtful | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Total multifamily loans | $ | 1,260,544 |  |  | $ | 365,547 |  |  | $ | 130,656 |  |  | $ | 22,167 |  |  | $ | 117,171 |  |  | $ | 316,934 |  |  | $ | — |  |  | $ | — |  |  | $ | 2,213,019 |
Commercial real estate owner occupied loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | $ | 293,096 |  |  | $ | 220,515 |  |  | $ | 105,925 |  |  | $ | 90,752 |  |  | $ | 34,196 |  |  | $ | 121,616 |  |  | $ | — |  |  | $ | — |  |  | $ | 866,100 |
Special mention | — |  |  | — |  |  | — |  |  | — |  |  | 134 |  |  | 1,841 |  |  | — |  |  | — |  |  | 1,975 |
Substandard | — |  |  | — |  |  | — |  |  | 134 |  |  | 10,569 |  |  | 6,561 |  |  | — |  |  | — |  |  | 17,264 |
Doubtful | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Total commercial real estate owner occupied loans | $ | 293,096 |  |  | $ | 220,515 |  |  | $ | 105,925 |  |  | $ | 90,886 |  |  | $ | 44,899 |  |  | $ | 130,018 |  |  | $ | — |  |  | $ | — |  |  | $ | 885,339 |
Commercial real estate non-owner occupied loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | $ | 339,044 |  |  | $ | 119,304 |  |  | $ | 156,281 |  |  | $ | 73,827 |  |  | $ | 62,237 |  |  | $ | 386,235 |  |  | $ | — |  |  | $ | — |  |  | $ | 1,136,928 |
Special mention | — |  |  | — |  |  | 21,211 |  |  | — |  |  | — |  |  | 10,617 |  |  | — |  |  | — |  |  | 31,828 |
Substandard | 10,910 |  |  | — |  |  | — |  |  | 28,656 |  |  | 8,198 |  |  | 74,210 |  |  | — |  |  | — |  |  | 121,974 |
Doubtful | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Total commercial real estate non-owner occupied loans | $ | 349,954 |  |  | $ | 119,304 |  |  | $ | 177,492 |  |  | $ | 102,483 |  |  | $ | 70,435 |  |  | $ | 471,062 |  |  | $ | — |  |  | $ | — |  |  | $ | 1,290,730 |
Construction loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | $ | 72,177 |  |  | $ | 36,114 |  |  | $ | 9,537 |  |  | $ | 28,644 |  |  | $ | 4,696 |  |  | $ | 9,112 |  |  | $ | 1,729 |  |  | $ | — |  |  | $ | 162,009 |
Special mention | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Substandard | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Doubtful | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Total construction loans | $ | 72,177 |  |  | $ | 36,114 |  |  | $ | 9,537 |  |  | $ | 28,644 |  |  | $ | 4,696 |  |  | $ | 9,112 |  |  | $ | 1,729 |  |  | $ | — |  |  | $ | 162,009 |
Total commercial loans and leases receivable | $ | 5,193,155 |  |  | $ | 1,452,552 |  |  | $ | 694,873 |  |  | $ | 451,477 |  |  | $ | 301,987 |  |  | $ | 1,050,269 |  |  | $ | 2,079,614 |  |  | $ | — |  |  | $ | 11,223,927 |
Residential real estate loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Performing | $ | 162,217 |  |  | $ | 148,217 |  |  | $ | 7,224 |  |  | $ | 17,128 |  |  | $ | 10,739 |  |  | $ | 77,762 |  |  | $ | 67,782 |  |  | $ | — |  |  | $ | 491,069 |
Non-performing | 271 |  |  | 366 |  |  | 238 |  |  | 441 |  |  | 1,425 |  |  | 3,357 |  |  | 785 |  |  | — |  |  | 6,883 |
Total residential real estate loans | $ | 162,488 |  |  | $ | 148,583 |  |  | $ | 7,462 |  |  | $ | 17,569 |  |  | $ | 12,164 |  |  | $ | 81,119 |  |  | $ | 68,567 |  |  | $ | — |  |  | $ | 497,952 |
Manufactured housing loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Performing | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | 213 |  |  | $ | 103 |  |  | $ | 41,918 |  |  | $ | — |  |  | $ | — |  |  | $ | 42,234 |
Non-performing | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 2,842 |  |  | — |  |  | — |  |  | 2,842 |
Total manufactured housing loans | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | 213 |  |  | $ | 103 |  |  | $ | 44,760 |  |  | $ | — |  |  | $ | — |  |  | $ | 45,076 |
Installment loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Performing | $ | 785,699 |  |  | $ | 305,729 |  |  | $ | 100,173 |  |  | $ | 100,570 |  |  | $ | 8,430 |  |  | $ | 782 |  |  | $ | 64,690 |  |  | $ | — |  |  | $ | 1,366,073 |
Non-performing | 5,164 |  |  | 4,356 |  |  | 1,023 |  |  | 1,111 |  |  | 61 |  |  | 59 |  |  | 92 |  |  | — |  |  | 11,866 |
Total installment loans | $ | 790,863 |  |  | $ | 310,085 |  |  | $ | 101,196 |  |  | $ | 101,681 |  |  | $ | 8,491 |  |  | $ | 841 |  |  | $ | 64,782 |  |  | $ | — |  |  | $ | 1,377,939 |
Total consumer loans | $ | 953,351 |  |  | $ | 458,668 |  |  | $ | 108,658 |  |  | $ | 119,463 |  |  | $ | 20,758 |  |  | $ | 126,720 |  |  | $ | 133,349 |  |  | $ | — |  |  | $ | 1,920,967 |
Loans and leases receivable | $ | 6,146,506 |  |  | $ | 1,911,220 |  |  | $ | 803,531 |  |  | $ | 570,940 |  |  | $ | 322,745 |  |  | $ | 1,176,989 |  |  | $ | 2,212,963 |  |  | $ | — |  |  | $ | 13,144,894 |
Schedule of Loan Purchases and Sales | Purchases and sales of loans held for investment were as follows for the years ended December 31, 2023, 2022 and 2021:
| For the Years Ended December 31,
(amounts in thousands) | 2023 |  | 2022 |  | 2021
Purchases (1) |  |  |  |  |
Specialty lending | $ | 631,252 |  |  | $ | — |  |  | $ | — |
Other commercial and industrial | 22,073 |  |  | 2,975 |  |  | — |
Commercial real estate owner occupied | 2,867 |  |  | — |  |  | — |
Loans receivable, PPP | — |  |  | — |  |  | 1,536,213 |
Residential real estate | 4,238 |  |  | 207,251 |  |  | 92,939 |
Personal installment (2) | — |  |  | 123,785 |  |  | 178,970 |
Other installment (2) | 96,758 |  |  | 149,969 |  |  | 99,100 |
Total | $ | 757,188 |  |  | $ | 483,980 |  |  | $ | 1,907,222 |
Sales (3) |  |  |  |  |
Specialty lending (4) | $ | 287,185 |  |  | $ | 2,200 |  |  | $ | — |
Other commercial and industrial (5) | 54,083 |  |  | 22,880 |  |  | 47,142 |
Multifamily | — |  |  | 2,879 |  |  | 36,900 |
Commercial real estate owner occupied (5) | 24,522 |  |  | 8,960 |  |  | 19,420 |
Commercial real estate non-owner occupied | 16,000 |  |  | — |  |  | 18,366 |
Residential real estate | — |  |  | — |  |  | 63,932 |
Personal installment (6) | — |  |  | 500,001 |  |  | 212,255 |
Other installment | 154,042 |  |  | — |  |  | — |
Total | $ | 535,832 |  |  | $ | 536,920 |  |  | $ | 398,015 |
(1)Amounts reported represent the unpaid principal balance at time of purchase. The purchase price was 87.9%, 99.1% and 100.8% of the loans’ unpaid principal balance for the years ended December 31, 2023, 2022 and 2021, respectively. (2)Installment loan purchases for the years ended December 31, 2023, 2022 and 2021 consist of third-party originated unsecured consumer loans. None of the loans held for investment are considered sub-prime at the time of origination. Customers considers sub-prime borrowers to be those with FICO scores below 660. (3)For the years ended December 31, 2023, 2022 and 2021, sales of loans held for investment resulted in net gains of $0.2 million, $3.2 million and $11.3 million, respectively, included in gain (loss) on sale of SBA and other loans in the consolidated statements of income. (4)Includes a loss of $5.0 million from the sale of $670.0 million of short-term syndicated capital call lines of credit ($280.7 million of loans held for investment in unpaid principal balance and $389.3 million of unfunded loan commitments) included in loss on sale of capital call lines of credit in the consolidated statement of income for the year ended December 31, 2023. (5)Primarily sales of SBA loans. (6)Customers sold $521.8 million of consumer installment loans held for investment, inclusive of accrued interest and unamortized deferred loan origination costs, to a third-party sponsored VIE for a loss of $23.5 million included in loss on sale of consumer installment loans in the consolidated statement of income for the year ended December 31, 2022. Customers provided financing to the purchaser for a portion of the sales price in the form of $400.0 million of asset-backed securities. $100.7 million of the remaining sales proceeds were paid in cash. Refer to “NOTE 6 – INVESTMENT SECURITIES” for additional information.
Reconciliation of Purchase Price | The reconciliation between the purchase price and the unpaid principal balance of the PCD loans was as follows:
(amounts in thousands) |  |
PCD loans acquired: |  |
Unpaid principal balance |  | $ | 228,700 |
Unamortized discount |  | (25,509) |
Allowance for credit losses |  | (8,736) |
Purchase price |  | $ | 194,455 |

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