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Allowance for Credit Losses and Credit Quality of Loans (Tables) | 6 Months Ended
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Jun. 30, 2023
Allowance for Credit Losses and Credit Quality of Loans [Abstract] |
Allowance for Loan Losses by Portfolio | The following tables present the activity in the allowance for credit losses by our portfolio segments:
(In thousands) |  | Commercial Loans |  |  | Consumer Loans |  |  | Residential |  |  | Total |
Balance as of March 31, 2023 |  | $ | 36,040 |  |  | $ | 48,820 |  |  | $ | 15,390 |  |  | $ | 100,250 |
Charge-offs |  |  | (207 | ) |  |  | (4,837 | ) |  |  | (105 | ) |  |  | (5,149 | )
Recoveries |  |  | 97 |  |  |  | 1,441 |  |  |  | 155 |  |  |  | 1,693 |
Provision |  |  | 1,033 |  |  |  | 2,459 |  |  |  | 114 |  |  |  | 3,606 |
Ending balance as of June 30, 2023 |  | $ | 36,963 |  |  | $ | 47,883 |  |  | $ | 15,554 |  |  | $ | 100,400 |
Balance as of March 31, 2022 |  | $ | 28,557 |  |  | $ | 43,591 |  |  | $ | 17,852 |  |  | $ | 90,000 |
Charge-offs |  |  | (447 | ) |  |  | (3,509 | ) |  |  | (90 | ) |  |  | (4,046 | )
Recoveries |  |  | 837 |  |  |  | 2,117 |  |  |  | 302 |  |  |  | 3,256 |
Provision |  |  | 3,411 |  |  |  | 2,741 |  |  |  | (1,762 | ) |  |  | 4,390 |
Ending balance as of June 30, 2022 |  | $ | 32,358 |  |  | $ | 44,940 |  |  | $ | 16,302 |  |  | $ | 93,600 |
(In thousands) |  | Commercial Loans |  |  | Consumer Loans |  |  | Residential |  |  | Total |
Balance as of January 1, 2023 (after adoption of ASU 2022-02) |  | $ | 34,662 |  |  | $ | 50,951 |  |  | $ | 14,539 |  |  | $ | 100,152 |
Charge-offs |  |  | (376 | ) |  |  | (10,179 | ) |  |  | (444 | ) |  |  | (10,999 | )
Recoveries |  |  | 638 |  |  |  | 2,818 |  |  |  | 276 |  |  |  | 3,732 |
Provision |  |  | 2,039 |  |  |  | 4,293 |  |  |  | 1,183 |  |  |  | 7,515 |
Ending balance as of June 30, 2023 |  | $ | 36,963 |  |  | $ | 47,883 |  |  | $ | 15,554 |  |  | $ | 100,400 |
Balance as of December 31, 2021 |  | $ | 28,941 |  |  | $ | 44,253 |  |  | $ | 18,806 |  |  | $ | 92,000 |
Charge-offs |  |  | (1,035 | ) |  |  | (7,100 | ) |  |  | (402 | ) |  |  | (8,537 | )
Recoveries |  |  | 930 |  |  |  | 3,769 |  |  |  | 452 |  |  |  | 5,151 |
Provision |  |  | 3,522 |  |  |  | 4,018 |  |  |  | (2,554 | ) |  |  | 4,986 |
Ending balance as of June 30, 2022 |  | $ | 32,358 |  |  | $ | 44,940 |  |  | $ | 16,302 |  |  | $ | 93,600 |
Past due and Nonperforming Loans by Loan Class | The following table sets forth information with regard to past due and nonperforming loans by loan segment:
(In thousands) |  | 31-60 Days Past Due Accruing |  |  | 61-90 Days Past Due Accruing |  |  | Greater Than 90 Days Past Due Accruing |  |  | Total Past Due Accruing |  |  | Nonaccrual |  |  | Current |  |  | Recorded Total Loans |
As of June 30, 2023 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
C&I |  | $ | 377 |  |  | $ | 132 |  |  | $ | 44 |  |  | $ | 553 |  |  | $ | 3,228 |  |  | $ | 1,307,131 |  |  | $ | 1,310,912 |
CRE |  |  | 2,123 |  |  |  | 14,012 |  |  |  | - |  |  |  | 16,135 |  |  |  | 4,917 |  |  |  | 2,737,038 |  |  |  | 2,758,090 |
Total commercial loans |  | $ | 2,500 |  |  | $ | 14,144 |  |  | $ | 44 |  |  | $ | 16,688 |  |  | $ | 8,145 |  |  | $ | 4,044,169 |  |  | $ | 4,069,002 |
Consumer loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Auto |  | $ | 6,683 |  |  | $ | 1,430 |  |  | $ | 653 |  |  | $ | 8,766 |  |  | $ | 986 |  |  | $ | 1,009,364 |  |  | $ | 1,019,116 |
Residential solar |  |  | 2,384 |  |  |  | 778 |  |  |  | 306 |  |  |  | 3,468 |  |  |  | 194 |  |  |  | 922,703 |  |  |  | 926,365 |
Other consumer |  |  | 2,966 |  |  |  | 1,703 |  |  |  | 1,486 |  |  |  | 6,155 |  |  |  | 252 |  |  |  | 207,476 |  |  |  | 213,883 |
Total consumer loans |  | $ | 12,033 |  |  | $ | 3,911 |  |  | $ | 2,445 |  |  | $ | 18,389 |  |  | $ | 1,432 |  |  | $ | 2,139,543 |  |  | $ | 2,159,364 |
Residential |  | $ | 1,449 |  |  | $ | 498 |  |  | $ | 266 |  |  | $ | 2,213 |  |  | $ | 7,354 |  |  | $ | 2,120,191 |  |  | $ | 2,129,758 |
Total loans |  | $ | 15,982 |  |  | $ | 18,553 |  |  | $ | 2,755 |  |  | $ | 37,290 |  |  | $ | 16,931 |  |  | $ | 8,303,903 |  |  | $ | 8,358,124 |
(In thousands) |  | 31-60 Days Past Due Accruing |  |  | 61-90 Days Past Due Accruing |  |  | Greater Than 90 Days Past Due Accruing |  |  | Total Past Due Accruing |  |  | Nonaccrual |  |  | Current |  |  | Recorded Total Loans |
As of December 31, 2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
C&I |  | $ | 342 |  |  | $ | 99 |  |  | $ | 4 |  |  | $ | 445 |  |  | $ | 2,244 |  |  | $ | 1,238,468 |  |  | $ | 1,241,157 |
CRE |  |  | 336 |  |  |  | 96 |  |  |  | - |  |  |  | 432 |  |  |  | 5,780 |  |  |  | 2,689,196 |  |  |  | 2,695,408 |
Total commercial loans |  | $ | 678 |  |  | $ | 195 |  |  | $ | 4 |  |  | $ | 877 |  |  | $ | 8,024 |  |  | $ | 3,927,664 |  |  | $ | 3,936,565 |
Consumer loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Auto |  | $ | 8,640 |  |  | $ | 1,393 |  |  | $ | 785 |  |  | $ | 10,818 |  |  | $ | 1,494 |  |  | $ | 950,389 |  |  | $ | 962,701 |
Residential solar |  |  | 2,858 |  |  |  | 731 |  |  |  | 474 |  |  |  | 4,063 |  |  |  | 79 |  |  |  | 852,656 |  |  |  | 856,798 |
Other consumer |  |  | 3,483 |  |  |  | 1,838 |  |  |  | 1,789 |  |  |  | 7,110 |  |  |  | 94 |  |  |  | 272,384 |  |  |  | 279,588 |
Total consumer loans |  | $ | 14,981 |  |  | $ | 3,962 |  |  | $ | 3,048 |  |  | $ | 21,991 |  |  | $ | 1,667 |  |  | $ | 2,075,429 |  |  | $ | 2,099,087 |
Residential |  | $ | 2,496 |  |  | $ | 555 |  |  | $ | 771 |  |  | $ | 3,822 |  |  | $ | 7,542 |  |  | $ | 2,103,131 |  |  | $ | 2,114,495 |
Total loans |  | $ | 18,155 |  |  | $ | 4,712 |  |  | $ | 3,823 |  |  | $ | 26,690 |  |  | $ | 17,233 |  |  | $ | 8,106,224 |  |  | $ | 8,150,147 |
Credit Quality by Loan Class by Year of Origination (Vintage) | The following tables illustrate the Company’s credit quality by loan class by vintage and, beginning in 2023 with the Company’s January 1, 2023 adoption of ASU 2022-02, also includes gross charge-offs by loan class by vintage for the six months ended June 30, 2023. Included in other consumer gross charge-offs, the Company recorded $0.2 million in overdrawn deposit accounts reported as 2022 originations and $0.2 million in overdrawn deposit accounts reported as 2023 originations, for the six months ended June 30, 2023.
(In thousands) |  | 2023 |  |  | 2022 |  |  | 2021 |  |  | 2020 |  |  | 2019 |  |  | Prior |  |  | Revolving Loans Amortized Cost Basis |  |  | Revolving Loans Converted to Term |  |  | Total |
As of June 30, 2023 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
C&I |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
By internally assigned grade: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass |  | $ | 129,726 |  |  | $ | 284,195 |  |  | $ | 226,716 |  |  | $ | 143,819 |  |  | $ | 77,298 |  |  | $ | 56,009 |  |  | $ | 338,877 |  |  | $ | 9,668 |  |  | $ | 1,266,308 |
Special mention |  |  | - |  |  |  | 2,440 |  |  |  | 421 |  |  |  | 3,610 |  |  |  | 40 |  |  |  | 380 |  |  |  | 4,654 |  |  |  | - |  |  |  | 11,545 |
Substandard |  |  | 869 |  |  |  | 1,772 |  |  |  | 733 |  |  |  | 587 |  |  |  | 2,452 |  |  |  | 1,819 |  |  |  | 22,502 |  |  |  | 2,188 |  |  |  | 32,922 |
Doubtful |  |  | - |  |  |  | 1 |  |  |  | 67 |  |  |  | 50 |  |  |  | 4 |  |  |  | 15 |  |  |  | - |  |  |  | - |  |  |  | 137 |
Total C&I |  | $ | 130,595 |  |  | $ | 288,408 |  |  | $ | 227,937 |  |  | $ | 148,066 |  |  | $ | 79,794 |  |  | $ | 58,223 |  |  | $ | 366,033 |  |  | $ | 11,856 |  |  | $ | 1,310,912 |
Current-period gross charge-offs |  | $ | - |  |  | $ | (1 | ) |  | $ | (5 | ) |  | $ | (63 | ) |  | $ | - |  |  | $ | (193 | ) |  | $ | - |  |  | $ | - |  |  | $ | (262 | )
CRE |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
By internally assigned grade: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass |  | $ | 144,348 |  |  | $ | 382,793 |  |  | $ | 449,149 |  |  | $ | 412,649 |  |  | $ | 313,179 |  |  | $ | 698,047 |  |  | $ | 229,150 |  |  | $ | 15,550 |  |  | $ | 2,644,865 |
Special mention |  |  | - |  |  |  | 2,251 |  |  |  | 6,722 |  |  |  | 3,354 |  |  |  | 10,119 |  |  |  | 14,216 |  |  |  | 13,768 |  |  |  | - |  |  |  | 50,430 |
Substandard |  |  | 309 |  |  |  | 193 |  |  |  | 6,896 |  |  |  | 5,623 |  |  |  | 3,170 |  |  |  | 45,057 |  |  |  | 1,547 |  |  |  | - |  |  |  | 62,795 |
Total CRE |  | $ | 144,657 |  |  | $ | 385,237 |  |  | $ | 462,767 |  |  | $ | 421,626 |  |  | $ | 326,468 |  |  | $ | 757,320 |  |  | $ | 244,465 |  |  | $ | 15,550 |  |  | $ | 2,758,090 |
Current-period gross charge-offs |  | $ | - |  |  | $ | - |  |  | $ | - |  |  | $ | - |  |  | $ | (114 | ) |  |  | - |  |  | $ | - |  |  | $ | - |  |  | $ | (114 | )
Auto |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
By payment activity: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Performing |  | $ | 249,677 |  |  | $ | 418,275 |  |  | $ | 193,855 |  |  | $ | 56,852 |  |  | $ | 69,477 |  |  | $ | 29,327 |  |  | $ | 14 |  |  | $ | - |  |  | $ | 1,017,477 |
Nonperforming |  |  | - |  |  |  | 367 |  |  |  | 765 |  |  |  | 196 |  |  |  | 150 |  |  |  | 161 |  |  |  | - |  |  |  | - |  |  |  | 1,639 |
Total auto |  | $ | 249,677 |  |  | $ | 418,642 |  |  | $ | 194,620 |  |  | $ | 57,048 |  |  | $ | 69,627 |  |  | $ | 29,488 |  |  | $ | 14 |  |  | $ | - |  |  | $ | 1,019,116 |
Current-period gross charge-offs |  | $ | (30 | ) |  | $ | (525 | ) |  | $ | (516 | ) |  | $ | (204 | ) |  | $ | (165 | ) |  | $ | (130 | ) |  | $ | - |  |  | $ | - |  |  | $ | (1,570 | )
Residential solar |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
By Internally Assigned Grade: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Performing |  | $ | 129,390 |  |  | $ | 447,725 |  |  | $ | 185,410 |  |  | $ | 69,994 |  |  | $ | 50,419 |  |  | $ | 42,927 |  |  | $ | - |  |  | $ | - |  |  | $ | 925,865 |
Nonperforming |  |  | - |  |  |  | 299 |  |  |  | 81 |  |  |  | - |  |  |  | 71 |  |  |  | 49 |  |  |  | - |  |  |  | - |  |  |  | 500 |
Total residential solar |  | $ | 129,390 |  |  | $ | 448,024 |  |  | $ | 185,491 |  |  | $ | 69,994 |  |  | $ | 50,490 |  |  | $ | 42,976 |  |  | $ | - |  |  | $ | - |  |  | $ | 926,365 |
Current-period gross charge-offs |  | $ | - |  |  | $ | (578 | ) |  | $ | (428 | ) |  | $ | (45 | ) |  | $ | (164 | ) |  | $ | (139 | ) |  | $ | - |  |  | $ | - |  |  | $ | (1,354 | )
Other consumer |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
By payment activity: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Performing |  | $ | 7,876 |  |  | $ | 36,057 |  |  | $ | 81,241 |  |  | $ | 27,518 |  |  | $ | 20,021 |  |  | $ | 21,995 |  |  | $ | 17,423 |  |  | $ | 14 |  |  | $ | 212,145 |
Nonperforming |  |  | - |  |  |  | 414 |  |  |  | 909 |  |  |  | 93 |  |  |  | 84 |  |  |  | 204 |  |  |  | 5 |  |  |  | 29 |  |  |  | 1,738 |
Total other consumer |  | $ | 7,876 |  |  | $ | 36,471 |  |  | $ | 82,150 |  |  | $ | 27,611 |  |  | $ | 20,105 |  |  | $ | 22,199 |  |  | $ | 17,428 |  |  | $ | 43 |  |  | $ | 213,883 |
Current-period gross charge-offs |  | $ | (223 | ) |  | $ | (1,818 | ) |  | $ | (3,700 | ) |  | $ | (834 | ) |  | $ | (487 | ) |  | $ | (193 | ) |  | $ | - |  |  | $ | - |  |  | $ | (7,255 | )
Residential |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
By payment activity: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Performing |  | $ | 87,959 |  |  | $ | 264,222 |  |  | $ | 344,895 |  |  | $ | 205,768 |  |  | $ | 151,242 |  |  | $ | 822,754 |  |  | $ | 226,997 |  |  | $ | 18,301 |  |  | $ | 2,122,138 |
Nonperforming |  |  | 29 |  |  |  | 432 |  |  |  | 237 |  |  |  | 329 |  |  |  | 466 |  |  |  | 6,127 |  |  |  | - |  |  |  | - |  |  |  | 7,620 |
Total residential |  | $ | 87,988 |  |  | $ | 264,654 |  |  | $ | 345,132 |  |  | $ | 206,097 |  |  | $ | 151,708 |  |  | $ | 828,881 |  |  | $ | 226,997 |  |  | $ | 18,301 |  |  | $ | 2,129,758 |
Current-period gross charge-offs |  | $ | - |  |  | $ | - |  |  | $ | (82 | ) |  | $ | - |  |  | $ | - |  |  | $ | (362 | ) |  | $ | - |  |  | $ | - |  |  | $ | (444 | )
Total loans |  | $ | 750,183 |  |  | $ | 1,841,436 |  |  | $ | 1,498,097 |  |  | $ | 930,442 |  |  | $ | 698,192 |  |  | $ | 1,739,087 |  |  | $ | 854,937 |  |  | $ | 45,750 |  |  | $ | 8,358,124 |
Current-period gross charge-offs |  | $ | (253 | ) |  | $ | (2,922 | ) |  | $ | (4,731 | ) |  | $ | (1,146 | ) |  | $ | (930 | ) |  | $ | (1,017 | ) |  | $ | - |  |  | $ | - |  |  | $ | (10,999 | )
(In thousands) |  | 2022 |  |  | 2021 |  |  | 2020 |  |  | 2019 |  |  | 2018 |  |  | Prior |  |  | Revolving Loans Amortized Cost Basis |  |  | Revolving Loans Converted to Term |  |  | Total |
As of December 31, 2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
C&I |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
By internally assigned grade: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass |  | $ | 296,562 |  |  | $ | 252,480 |  |  | $ | 164,976 |  |  | $ | 91,497 |  |  | $ | 39,394 |  |  | $ | 32,413 |  |  | $ | 327,166 |  |  | $ | 3,133 |  |  | $ | 1,207,621 |
Special mention |  |  | 1,044 |  |  |  | 524 |  |  |  | 4,531 |  |  |  | 194 |  |  |  | 1,108 |  |  |  | 417 |  |  |  | 5,234 |  |  |  | - |  |  |  | 13,052 |
Substandard |  |  | 76 |  |  |  | 459 |  |  |  | 231 |  |  |  | 3,098 |  |  |  | 91 |  |  |  | 3,969 |  |  |  | 12,348 |  |  |  | 163 |  |  |  | 20,435 |
Doubtful |  |  | - |  |  |  | 20 |  |  |  | - |  |  |  | 28 |  |  |  | - |  |  |  | 1 |  |  |  | - |  |  |  | - |  |  |  | 49 |
Total C&I |  | $ | 297,682 |  |  | $ | 253,483 |  |  | $ | 169,738 |  |  | $ | 94,817 |  |  | $ | 40,593 |  |  | $ | 36,800 |  |  | $ | 344,748 |  |  | $ | 3,296 |  |  | $ | 1,241,157 |
CRE |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
By internally assigned grade: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass |  | $ | 374,313 |  |  | $ | 465,990 |  |  | $ | 439,012 |  |  | $ | 333,568 |  |  | $ | 217,141 |  |  | $ | 566,783 |  |  | $ | 201,563 |  |  | $ | 24,735 |  |  | $ | 2,623,105 |
Special mention |  |  | 605 |  |  |  | 764 |  |  |  | 868 |  |  |  | 2,641 |  |  |  | 4,649 |  |  |  | 24,023 |  |  |  | 850 |  |  |  | - |  |  |  | 34,400 |
Substandard |  |  | 309 |  |  |  | - |  |  |  | 2,316 |  |  |  | 3,937 |  |  |  | 1,822 |  |  |  | 23,819 |  |  |  | 713 |  |  |  | 4,987 |  |  |  | 37,903 |
Total CRE |  | $ | 375,227 |  |  | $ | 466,754 |  |  | $ | 442,196 |  |  | $ | 340,146 |  |  | $ | 223,612 |  |  | $ | 614,625 |  |  | $ | 203,126 |  |  | $ | 29,722 |  |  | $ | 2,695,408 |
Auto |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
By payment activity: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Performing |  | $ | 488,776 |  |  | $ | 239,090 |  |  | $ | 75,853 |  |  | $ | 99,615 |  |  | $ | 44,061 |  |  | $ | 13,027 |  |  | $ | - |  |  | $ | - |  |  | $ | 960,422 |
Nonperforming |  |  | 590 |  |  |  | 655 |  |  |  | 404 |  |  |  | 385 |  |  |  | 216 |  |  |  | 29 |  |  |  | - |  |  |  | - |  |  |  | 2,279 |
Total auto |  | $ | 489,366 |  |  | $ | 239,745 |  |  | $ | 76,257 |  |  | $ | 100,000 |  |  | $ | 44,277 |  |  | $ | 13,056 |  |  | $ | - |  |  | $ | - |  |  | $ | 962,701 |
Residential solar |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
By Payment Activity: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Performing |  | $ | 485,942 |  |  | $ | 193,971 |  |  | $ | 74,532 |  |  | $ | 54,662 |  |  | $ | 36,119 |  |  | $ | 11,019 |  |  | $ | - |  |  | $ | - |  |  | $ | 856,245 |
Nonperforming |  |  | 320 |  |  |  | 98 |  |  |  | 50 |  |  |  | 25 |  |  |  | 16 |  |  |  | 44 |  |  |  | - |  |  |  | - |  |  |  | 553 |
Total residential solar |  | $ | 486,262 |  |  | $ | 194,069 |  |  | $ | 74,582 |  |  | $ | 54,687 |  |  | $ | 36,135 |  |  | $ | 11,063 |  |  | $ | - |  |  | $ | - |  |  | $ | 856,798 |
Other consumer |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
By payment activity: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Performing |  | $ | 52,545 |  |  | $ | 110,624 |  |  | $ | 36,412 |  |  | $ | 27,383 |  |  | $ | 15,536 |  |  | $ | 15,735 |  |  | $ | 19,218 |  |  | $ | 250 |  |  | $ | 277,703 |
Nonperforming |  |  | 238 |  |  |  | 838 |  |  |  | 395 |  |  |  | 247 |  |  |  | 57 |  |  |  | 87 |  |  |  | 8 |  |  |  | 15 |  |  |  | 1,885 |
Total other consumer |  | $ | 52,783 |  |  | $ | 111,462 |  |  | $ | 36,807 |  |  | $ | 27,630 |  |  | $ | 15,593 |  |  | $ | 15,822 |  |  | $ | 19,226 |  |  | $ | 265 |  |  | $ | 279,588 |
Residential |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
By payment activity: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Performing |  | $ | 251,012 |  |  | $ | 349,498 |  |  | $ | 212,161 |  |  | $ | 156,957 |  |  | $ | 157,755 |  |  | $ | 717,621 |  |  | $ | 233,056 |  |  | $ | 28,122 |  |  | $ | 2,106,182 |
Nonperforming |  |  | 267 |  |  |  | 384 |  |  |  | 408 |  |  |  | 555 |  |  |  | 1,028 |  |  |  | 5,651 |  |  |  | - |  |  |  | 20 |  |  |  | 8,313 |
Total residential |  | $ | 251,279 |  |  | $ | 349,882 |  |  | $ | 212,569 |  |  | $ | 157,512 |  |  | $ | 158,783 |  |  | $ | 723,272 |  |  | $ | 233,056 |  |  | $ | 28,142 |  |  | $ | 2,114,495 |
Total loans |  | $ | 1,952,599 |  |  | $ | 1,615,395 |  |  | $ | 1,012,149 |  |  | $ | 774,792 |  |  | $ | 518,993 |  |  | $ | 1,414,638 |  |  | $ | 800,156 |  |  | $ | 61,425 |  |  | $ | 8,150,147 |
Amortized Cost Basis of Loans Modified to Borrowers Experiencing Financial Difficulty | The following table shows the amortized cost basis at the end of the reporting period of the loans modified to borrowers experiencing financial difficulty, disaggregated by class of financing receivable and type of concession granted:
|  | Three Months Ended June 30, 2023
|  | Term Extension |  | Combination - Term Extension and Interest Rate Reduction
(Dollars in thousands) |  | Amortized Cost |  |  | % of Total Class of Financing Receivables |  | Amortized Cost |  |  | % of Total Class of Financing Receivables
Residential |  | $ | 199 |  |  |  | 0.009 | % |  | $ | 171 |  |  |  | 0.008 | %
Total |  | $ | 199 |  |  |  |  |  |  | $ | 171 |  |  |  |  |
|  | Six Months Ended June 30, 2023
|  | Term Extension |  | Combination - Term Extension and Interest Rate Reduction
(Dollars in thousands) |  | Amortized Cost |  |  | % of Total Class of Financing Receivables |  | Amortized Cost |  |  | % of Total Class of Financing Receivables
Residential |  | $ | 242 |  |  |  | 0.011 | % |  | $ | 171 |  |  |  | 0.008 | %
Total |  | $ | 242 |  |  |  |  |  |  | $ | 171 |  |  |  |  |
Financial Effect of Modifications Made to Borrowers Experiencing Financial Difficulty | The following table describes the financial effect of the modifications made to borrowers experiencing financial difficulties:
|  | Three Months Ended June 30, 2023
Loan Type |  | Term Extension |  | Interest Rate Reduction
Residential |  | Added a weighted-average 10 years to the life of loans, which reduced monthly payment amounts for the borrowers. |  | Interest rates were reduced by an average of three and a half percent
|  | Six Months Ended June 30, 2023
Loan Type |  | Term Extension |  | Interest Rate Reduction
Residential |  | Added a weighted-average 14 years to the life of loans, which reduced monthly payment amounts for the borrowers. |  | Interest rates were reduced by an average of three and a half percent
Performance of Modified Loans | The following table depicts the performance of loans that have been modified since the adoption of ASU 2022-02 effective January 1, 2023:
|  | Payment Status (Amortized Cost Basis) |
(In thousands) |  | Current |  |  | 31-60 Days Past Due |  |  | 61-90 Days Past Due |  |  | Greater than 90 Days Past Due |
Three Months Ended June 30, 2023 |  |  |  |  |  |  |  |  |  |  |  |
Loan Type |  |  |  |  |  |  |  |  |  |  |  |
Residential |  | $ | 370 |  |  | $ | - |  |  | $ | - |  |  | $ | - |
Total |  | $ | 370 |  |  | $ | - |  |  | $ | - |  |  | $ | - |
|  | Payment Status (Amortized Cost Basis) |
(In thousands) |  | Current |  |  | 31-60 Days Past Due |  |  | 61-90 Days Past Due |  |  | Greater than 90 Days Past Due |
Six Months Ended June 30, 2023 |  |  |  |  |  |  |  |  |  |  |  |
Loan Type |  |  |  |  |  |  |  |  |  |  |  |
Residential |  | $ | 413 |  |  | $ | - |  |  | $ | - |  |  | $ | - |
Total |  | $ | 413 |  |  | $ | - |  |  | $ | - |  |  | $ | - |
Troubled Debt Restructurings on Financing Receivables | The following table illustrates the recorded investments and number of modifications designated as TDRs, including the recorded investment in the loans prior to a modification and the recorded investment in the loans after restructuring:
|  | Three Months Ended June 30, 2022 |  |  | Six Months Ended June 30, 2022 |
(Dollars in thousands) |  | Number of Contracts |  |  | Pre- Modification Outstanding Recorded Investment |  |  | Post- Modification Outstanding Recorded Investment |  |  | Number of Contracts |  |  | Pre- Modification Outstanding Recorded Investment |  |  | Post- Modification Outstanding Recorded Investment |
Residential |  |  | 2 |  |  | $ | 98 |  |  | $ | 123 |  |  |  | 4 |  |  | $ | 216 |  |  | $ | 247 |
Total TDRs |  |  | 2 |  |  | $ | 98 |  |  | $ | 123 |  |  |  | 4 |  |  | $ | 216 |  |  | $ | 247 |
The following table illustrates the recorded investment and number of modifications for TDRs where a concession has been made and subsequently defaulted during the period:
|  | Three Months Ended June 30, 2022 |  |  | Six Months Ended June 30, 2022 |
(Dollars in thousands) |  | Number of Contracts |  |  | Recorded Investment |  |  | Number of Contracts |  |  | Recorded Investment |
Consumer loans: |  |  |  |  |  |  |  |  |  |  |  |
Auto |  |  | - |  |  | $ | - |  |  |  | 1 |  |  | $ | 11 |
Total consumer loans |  |  | - |  |  | $ | - |  |  |  | 1 |  |  | $ | 11 |
Residential |  |  | 18 |  |  | $ | 890 |  |  |  | 34 |  |  | $ | 1,714 |
Total TDRs |  |  | 18 |  |  | $ | 890 |  |  |  | 35 |  |  | $ | 1,725 |

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