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Allowance for Credit Losses and Credit Quality of Loans (Tables) | 9 Months Ended
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Sep. 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 June 30, 2023 |  | $ | 36,963 |  |  | $ | 47,883 |  |  | $ | 15,554 |  |  | $ | 100,400 |
Allowance for credit loss on PCD acquired loans |  |  | 5,300 |  |  |  | 19 |  |  |  | 453 |  |  |  | 5,772 |
Charge-offs |  |  | (138 | ) |  |  | (6,167 | ) |  |  | (16 | ) |  |  | (6,321 | )
Recoveries |  |  | 474 |  |  |  | 1,549 |  |  |  | 94 |  |  |  | 2,117 |
Provision |  |  | 4,121 |  |  |  | 3,990 |  |  |  | 4,522 |  |  |  | 12,633 |
Ending balance as of September 30, 2023 |  | $ | 46,720 |  |  | $ | 47,274 |  |  | $ | 20,607 |  |  | $ | 114,601 |
Balance as of June 30, 2022 |  | $ | 32,358 |  |  | $ | 44,940 |  |  | $ | 16,302 |  |  | $ | 93,600 |
Charge-offs |  |  | (624 | ) |  |  | (3,951 | ) |  |  | (118 | ) |  |  | (4,693 | )
Recoveries |  |  | 1,282 |  |  |  | 1,924 |  |  |  | 203 |  |  |  | 3,409 |
Provision |  |  | (60 | ) |  |  | 5,397 |  |  |  | (853 | ) |  |  | 4,484 |
Ending balance as of September 30, 2022 |  | $ | 32,956 |  |  | $ | 48,310 |  |  | $ | 15,534 |  |  | $ | 96,800 |
(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 |
Allowance for credit loss on PCD acquired loans |  |  | 5,300 |  |  |  | 19 |  |  |  | 453 |  |  |  | 5,772 |
Charge-offs |  |  | (514 | ) |  |  | (16,346 | ) |  |  | (460 | ) |  |  | (17,320 | )
Recoveries |  |  | 1,112 |  |  |  | 4,367 |  |  |  | 370 |  |  |  | 5,849 |
Provision |  |  | 6,160 |  |  |  | 8,283 |  |  |  | 5,705 |  |  |  | 20,148 |
Ending balance as of September 30, 2023 |  | $ | 46,720 |  |  | $ | 47,274 |  |  | $ | 20,607 |  |  | $ | 114,601 |
Balance as of December 31, 2021 |  | $ | 28,941 |  |  | $ | 44,253 |  |  | $ | 18,806 |  |  | $ | 92,000 |
Charge-offs |  |  | (1,659 | ) |  |  | (11,051 | ) |  |  | (520 | ) |  |  | (13,230 | )
Recoveries |  |  | 2,212 |  |  |  | 5,693 |  |  |  | 655 |  |  |  | 8,560 |
Provision |  |  | 3,462 |  |  |  | 9,415 |  |  |  | (3,407 | ) |  |  | 9,470 |
Ending balance as of September 30, 2022 |  | $ | 32,956 |  |  | $ | 48,310 |  |  | $ | 15,534 |  |  | $ | 96,800 |
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 September 30, 2023 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
C&I |  | $ | 737 |  |  | $ | 99 |  |  | $ | - |  |  | $ | 836 |  |  | $ | 3,753 |  |  | $ | 1,456,241 |  |  | $ | 1,460,830 |
CRE |  |  | 19,661 |  |  |  | 18 |  |  |  | - |  |  |  | 19,679 |  |  |  | 4,660 |  |  |  | 3,375,132 |  |  |  | 3,399,471 |
Total commercial loans |  | $ | 20,398 |  |  | $ | 117 |  |  | $ | - |  |  | $ | 20,515 |  |  | $ | 8,413 |  |  | $ | 4,831,373 |  |  | $ | 4,860,301 |
Consumer loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Auto |  | $ | 8,974 |  |  | $ | 1,402 |  |  | $ | 514 |  |  | $ | 10,890 |  |  | $ | 1,652 |  |  | $ | 1,056,554 |  |  | $ | 1,069,096 |
Residential solar |  |  | 3,449 |  |  |  | 938 |  |  |  | 506 |  |  |  | 4,893 |  |  |  | 373 |  |  |  | 928,816 |  |  |  | 934,082 |
Other consumer |  |  | 2,594 |  |  |  | 1,498 |  |  |  | 1,496 |  |  |  | 5,588 |  |  |  | 402 |  |  |  | 186,214 |  |  |  | 192,204 |
Total consumer loans |  | $ | 15,017 |  |  | $ | 3,838 |  |  | $ | 2,516 |  |  | $ | 21,371 |  |  | $ | 2,427 |  |  | $ | 2,171,584 |  |  | $ | 2,195,382 |
Residential |  | $ | 4,075 |  |  | $ | 326 |  |  | $ | 1,012 |  |  | $ | 5,413 |  |  | $ | 9,896 |  |  | $ | 2,596,383 |  |  | $ | 2,611,692 |
Total loans |  | $ | 39,490 |  |  | $ | 4,281 |  |  | $ | 3,528 |  |  | $ | 47,299 |  |  | $ | 20,736 |  |  | $ | 9,599,340 |  |  | $ | 9,667,375 |
(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 nine months ended September 30, 2023. Included in other consumer gross charge-offs, the Company recorded $0.2 million in overdrawn deposit accounts reported as 2022 originations and $0.5 million in overdrawn deposit accounts reported as 2023 originations, for the nine months ended September 30, 2023.
(In thousands) |  | 2023 |  |  | 2022 |  |  | 2021 |  |  | 2020 |  |  | 2019 |  |  | Prior |  |  | Revolving Loans Amortized Cost Basis |  |  | Revolving Loans Converted to Term |  |  | Total |
As of September 30, 2023 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
C&I |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
By internally assigned grade: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass |  | $ | 171,431 |  |  | $ | 302,023 |  |  | $ | 257,555 |  |  | $ | 164,254 |  |  | $ | 83,519 |  |  | $ | 75,504 |  |  | $ | 351,672 |  |  | $ | 2,666 |  |  | $ | 1,408,624 |
Special mention |  |  | - |  |  |  | 3,110 |  |  |  | 415 |  |  |  | 3,494 |  |  |  | 655 |  |  |  | 11,151 |  |  |  | 10,676 |  |  |  | - |  |  |  | 29,501 |
Substandard |  |  | 1,521 |  |  |  | 8 |  |  |  | 705 |  |  |  | 312 |  |  |  | 2,285 |  |  |  | 4,317 |  |  |  | 13,413 |  |  |  | 14 |  |  |  | 22,575 |
Doubtful |  |  | - |  |  |  | 1 |  |  |  | 66 |  |  |  | 58 |  |  |  | 4 |  |  |  | 1 |  |  |  | - |  |  |  | - |  |  |  | 130 |
Total C&I |  | $ | 172,952 |  |  | $ | 305,142 |  |  | $ | 258,741 |  |  | $ | 168,118 |  |  | $ | 86,463 |  |  | $ | 90,973 |  |  | $ | 375,761 |  |  | $ | 2,680 |  |  | $ | 1,460,830 |
Current-period gross charge-offs |  | $ | - |  |  | $ | (1 | ) |  | $ | (5 | ) |  | $ | (65 | ) |  | $ | - |  |  | $ | (329 | ) |  | $ | - |  |  | $ | - |  |  | $ | (400 | )
CRE |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
By internally assigned grade: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass |  | $ | 278,517 |  |  | $ | 510,690 |  |  | $ | 549,056 |  |  | $ | 470,616 |  |  | $ | 329,634 |  |  | $ | 775,502 |  |  | $ | 276,477 |  |  | $ | 67,162 |  |  | $ | 3,257,654 |
Special mention |  |  | 3,678 |  |  |  | 2,236 |  |  |  | 9,041 |  |  |  | 8,082 |  |  |  | 13,915 |  |  |  | 21,829 |  |  |  | 8,250 |  |  |  | - |  |  |  | 67,031 |
Substandard |  |  | 384 |  |  |  | 191 |  |  |  | 6,887 |  |  |  | 3,202 |  |  |  | 3,093 |  |  |  | 44,750 |  |  |  | 1,549 |  |  |  | 14,730 |  |  |  | 74,786 |
Total CRE |  | $ | 282,579 |  |  | $ | 513,117 |  |  | $ | 564,984 |  |  | $ | 481,900 |  |  | $ | 346,642 |  |  | $ | 842,081 |  |  | $ | 286,276 |  |  | $ | 81,892 |  |  | $ | 3,399,471 |
Current-period gross charge-offs |  | $ | - |  |  | $ | - |  |  | $ | - |  |  | $ | - |  |  | $ | (114 | ) |  |  | - |  |  | $ | - |  |  | $ | - |  |  | $ | (114 | )
Auto |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
By payment activity: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Performing |  | $ | 369,178 |  |  | $ | 395,362 |  |  | $ | 176,026 |  |  | $ | 49,917 |  |  | $ | 56,455 |  |  | $ | 19,979 |  |  | $ | 13 |  |  | $ | - |  |  | $ | 1,066,930 |
Nonperforming |  |  | 143 |  |  |  | 812 |  |  |  | 674 |  |  |  | 237 |  |  |  | 192 |  |  |  | 108 |  |  |  | - |  |  |  | - |  |  |  | 2,166 |
Total auto |  | $ | 369,321 |  |  | $ | 396,174 |  |  | $ | 176,700 |  |  | $ | 50,154 |  |  | $ | 56,647 |  |  | $ | 20,087 |  |  | $ | 13 |  |  | $ | - |  |  | $ | 1,069,096 |
Current-period gross charge-offs |  | $ | (75 | ) |  | $ | (827 | ) |  | $ | (865 | ) |  | $ | (283 | ) |  | $ | (219 | ) |  | $ | (243 | ) |  | $ | - |  |  | $ | - |  |  | $ | (2,512 | )
Residential solar |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
By payment activity: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Performing |  | $ | 155,132 |  |  | $ | 438,855 |  |  | $ | 182,153 |  |  | $ | 67,562 |  |  | $ | 48,362 |  |  | $ | 41,139 |  |  | $ | - |  |  | $ | - |  |  | $ | 933,203 |
Nonperforming |  |  | - |  |  |  | 594 |  |  |  | 59 |  |  |  | 56 |  |  |  | 72 |  |  |  | 98 |  |  |  | - |  |  |  | - |  |  |  | 879 |
Total residential solar |  | $ | 155,132 |  |  | $ | 439,449 |  |  | $ | 182,212 |  |  | $ | 67,618 |  |  | $ | 48,434 |  |  | $ | 41,237 |  |  | $ | - |  |  | $ | - |  |  | $ | 934,082 |
Current-period gross charge-offs |  | $ | (121) |  |  | $ | (1,244 | ) |  | $ | (696 | ) |  | $ | (45 | ) |  | $ | (447 | ) |  | $ | (193 | ) |  | $ | - |  |  | $ | - |  |  | $ | (2,746 | )
Other consumer |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
By payment activity: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Performing |  | $ | 11,221 |  |  | $ | 31,813 |  |  | $ | 68,732 |  |  | $ | 24,152 |  |  | $ | 17,234 |  |  | $ | 18,599 |  |  | $ | 18,552 |  |  | $ | 3 |  |  | $ | 190,306 |
Nonperforming |  |  | - |  |  |  | 490 |  |  |  | 742 |  |  |  | 147 |  |  |  | 139 |  |  |  | 347 |  |  |  | 1 |  |  |  | 32 |  |  |  | 1,898 |
Total other consumer |  | $ | 11,221 |  |  | $ | 32,303 |  |  | $ | 69,474 |  |  | $ | 24,299 |  |  | $ | 17,373 |  |  | $ | 18,946 |  |  | $ | 18,553 |  |  | $ | 35 |  |  | $ | 192,204 |
Current-period gross charge-offs |  | $ | (561 | ) |  | $ | (2,788 | ) |  | $ | (5,742 | ) |  | $ | (1,099 | ) |  | $ | (595 | ) |  | $ | (303 | ) |  | $ | - |  |  | $ | - |  |  | $ | (11,088 | )
Residential |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
By payment activity: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Performing |  | $ | 149,700 |  |  | $ | 363,044 |  |  | $ | 457,105 |  |  | $ | 272,533 |  |  | $ | 171,854 |  |  | $ | 904,002 |  |  | $ | 265,049 |  |  | $ | 17,497 |  |  | $ | 2,600,784 |
Nonperforming |  |  | 144 |  |  |  | 442 |  |  |  | 1,226 |  |  |  | 314 |  |  |  | 462 |  |  |  | 8,320 |  |  |  | - |  |  |  | - |  |  |  | 10,908 |
Total residential |  | $ | 149,844 |  |  | $ | 363,486 |  |  | $ | 458,331 |  |  | $ | 272,847 |  |  | $ | 172,316 |  |  | $ | 912,322 |  |  | $ | 265,049 |  |  | $ | 17,497 |  |  | $ | 2,611,692 |
Current-period gross charge-offs |  | $ | - |  |  | $ | - |  |  | $ | (81 | ) |  | $ | - |  |  | $ | - |  |  | $ | (379 | ) |  | $ | - |  |  | $ | - |  |  | $ | (460 | )
Total loans |  | $ | 1,141,049 |  |  | $ | 2,049,671 |  |  | $ | 1,710,442 |  |  | $ | 1,064,936 |  |  | $ | 727,875 |  |  | $ | 1,925,646 |  |  | $ | 945,652 |  |  | $ | 102,104 |  |  | $ | 9,667,375 |
Current-period gross charge-offs |  | $ | (757 | ) |  | $ | (4,860 | ) |  | $ | (7,389 | ) |  | $ | (1,492 | ) |  | $ | (1,375 | ) |  | $ | (1,447 | ) |  | $ | - |  |  | $ | - |  |  | $ | (17,320 | )
(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 September 30, 2023 |
|  | Interest Rate Reduction |  |  | 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 |  |  | Amortized Cost |  |  | % of Total Class of Financing Receivables |
Residential |  | $ | 31 |  |  |  | 0.001 | % |  | $ | 145 |  |  |  | 0.006 | % |  | $ | - |  |  |  | - |
Total |  | $ | 31 |  |  |  |  |  |  | $ | 145 |  |  |  |  |  |  | $ | - |  |  |  |  |
|  | Nine Months Ended September 30, 2023 |
|  | Interest Rate Reduction |  |  | 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 |  |  | Amortized Cost |  |  | % of Total Class of Financing Receivables |
Residential |  | $ | 31 |  |  |  | 0.001 | % |  | $ | 386 |  |  |  | 0.015 | % |  | $ | 165 |  |  |  | 0.006 | %
Total |  | $ | 31 |  |  |  |  |  |  | $ | 386 |  |  |  |  |  |  | $ | 165 |  |  |  |  |
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 September 30, 2023
Loan Type |  | Term Extension |  | Interest Rate Reduction
Residential |  | Added a weighted-average 17 years to the life of loans, which reduced monthly payment amounts for the borrowers. |  | Interest rates were reduced by an average of one percent
|  | Nine Months Ended September 30, 2023
Loan Type |  | Term Extension |  | Interest Rate Reduction
Residential |  | Added a weighted-average 15 years to the life of loans, which reduced monthly payment amounts for the borrowers. |  | Interest rates were reduced by an average of two and a quarter percent
Financing Receivables with Payment Default that Were Modified to Borrowers Experiencing Financial Difficulty | The following table depicts the financing receivables that had a payment default that were modified to borrowers experiencing financial difficulty since the adoption of ASU 2022-02 effective January 1, 2023:
| Three Months Ended September 30, 2023 |
| Amortized Cost Basis of Modified Financing Receivables that Subsequently Defaulted |
(In thousands) | Interest Rate Reduction |
Residential |  | $ | 31 |
Total |  | $ | 31 |
| Nine Months Ended September 30, 2023 |
| Amortized Cost Basis of Modified Financing Receivables that Subsequently Defaulted |
(In thousands) | Interest Rate Reduction |
Residential |  | $ | 31 |
Total |  | $ | 31 |
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 September 30, 2023 |  |  |  |  |  |  |  |  |  |  |  |
Residential |  | $ | 145 |  |  | $ | 31 |  |  | $ | - |  |  | $ | - |
Total |  | $ | 145 |  |  | $ | 31 |  |  | $ | - |  |  | $ | - |
|  | Payment Status (Amortized Cost Basis) |
(In thousands) |  | Current |  |  | 31-60 Days Past Due |  |  | 61-90 Days Past Due |  |  | Greater than 90 Days Past Due |
Nine Months Ended September 30, 2023 |  |  |  |  |  |  |  |  |  |  |  |
Residential |  | $ | 549 |  |  | $ | 31 |  |  | $ | - |  |  | $ | - |
Total |  | $ | 549 |  |  | $ | 31 |  |  | $ | - |  |  | $ | - |
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 September 30, 2022 |  |  | Nine Months Ended September 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 |  |  | 6 |  |  | $ | 613 |  |  | $ | 682 |  |  |  | 10 |  |  | $ | 829 |  |  | $ | 928 |
Total TDRs |  |  | 6 |  |  | $ | 613 |  |  | $ | 682 |  |  |  | 10 |  |  | $ | 829 |  |  | $ | 928 |
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 September 30, 2022 |  |  | Nine Months Ended September 30, 2022 |
(Dollars in thousands) |  | Number of Contracts |  |  | Recorded Investment |  |  | Number of Contracts |  |  | Recorded Investment |
Commercial loans: |  |  |  |  |  |  |  |  |  |  |  |
C&I |  |  | 1 |  |  | $ | 320 |  |  |  | 1 |  |  | $ | 320 |
Total commercial loans |  |  | 1 |  |  | $ | 320 |  |  |  | 1 |  |  | $ | 320 |
Consumer loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Auto |  |  | - |  |  | $ | - |  |  |  | 1 |  |  | $ | 11 |
Total consumer loans |  |  | - |  |  | $ | - |  |  |  | 1 |  |  | $ | 11 |
Residential |  |  | 18 |  |  | $ | 869 |  |  |  | 44 |  |  | $ | 2,320 |
Total TDRs |  |  | 19 |  |  | $ | 1,189 |  |  |  | 46 |  |  | $ | 2,651 |

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