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LOANS AND ALLOWANCE FOR CREDIT LOSSES (Tables) | 9 Months Ended
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Sep. 30, 2022
Credit Loss [Abstract] |
Schedule of Loans | The following is a summary of total loans by regulatory call report code with sub-segmentation based on underlying collateral for certain loan types:
(In thousands) |  | September 30, 2022 |  | December 31, 2021
Construction |  | $ | 367,997 |  |  | $ | 324,282 |
Commercial multifamily |  | 612,890 |  |  | 515,817 |
Commercial real estate owner occupied |  | 632,001 |  |  | 606,477 |
Commercial real estate non-owner occupied |  | 2,285,770 |  |  | 2,156,929 |
Commercial and industrial |  | 1,395,172 |  |  | 1,284,429 |
Residential real estate |  | 2,128,039 |  |  | 1,489,248 |
Home equity |  | 234,027 |  |  | 252,366 |
Consumer other |  | 287,585 |  |  | 196,299 |
Total loans |  | $ | 7,943,481 |  |  | $ | 6,825,847 |
Allowance for credit losses |  | 96,013 |  |  | 106,094 |
Net loans |  | $ | 7,847,468 |  |  | $ | 6,719,753 |
Schedule of Allowance for Credit Losses for Loans, Activity | The Company’s activity in the allowance for credit losses for loans for the three and nine months ended September 30, 2022 and September 30, 2021 was as follows:
(In thousands) |  | Balance at Beginning of Period |  |  |  |  |  | Charge-offs |  | Recoveries |  | Provision for Credit Losses |  | Balance at End of Period
Three months ended September 30, 2022
Construction |  | $ | 1,710 |  |  |  |  |  |  | $ | — |  |  | $ | — |  |  | $ | (479) |  |  | $ | 1,231 |
Commercial multifamily |  | 4,621 |  |  |  |  |  |  | (94) |  |  | 112 |  |  | (2,919) |  |  | 1,720 |
Commercial real estate owner occupied |  | 10,687 |  |  |  |  |  |  | (176) |  |  | 256 |  |  | (582) |  |  | 10,185 |
Commercial real estate non-owner occupied |  | 26,166 |  |  |  |  |  |  | (1,012) |  |  | 153 |  |  | 4,114 |  |  | 29,421 |
Commercial and industrial |  | 22,914 |  |  |  |  |  |  | (5,545) |  |  | 616 |  |  | 650 |  |  | 18,635 |
Residential real estate |  | 16,411 |  |  |  |  |  |  | (102) |  |  | 131 |  |  | 3,398 |  |  | 19,838 |
Home equity |  | 2,828 |  |  |  |  |  |  | (9) |  |  | 9 |  |  | (407) |  |  | 2,421 |
Consumer other |  | 13,684 |  |  |  |  |  |  | (486) |  |  | 140 |  |  | (776) |  |  | 12,562 |
Total allowance for credit losses |  | $ | 99,021 |  |  |  |  |  |  | $ | (7,424) |  |  | $ | 1,417 |  |  | $ | 2,999 |  |  | $ | 96,013 |
(In thousands) |  | Balance at Beginning of Period |  |  |  |  |  | Charge-offs |  | Recoveries |  | Provision for Credit Losses |  | Balance at End of Period
Three months ended September 30, 2021
Construction |  | $ | 3,919 |  |  |  |  |  |  | $ | — |  |  | $ | — |  |  | $ | 714 |  |  | $ | 4,633 |
Commercial multifamily |  | 7,197 |  |  |  |  |  |  | — |  |  | — |  |  | (46) |  |  | 7,151 |
Commercial real estate owner occupied |  | 13,242 |  |  |  |  |  |  | (84) |  |  | 32 |  |  | (342) |  |  | 12,848 |
Commercial real estate non-owner occupied |  | 30,315 |  |  |  |  |  |  | (1,676) |  |  | 267 |  |  | 2,870 |  |  | 31,776 |
Commercial and industrial |  | 28,225 |  |  |  |  |  |  | (1,279) |  |  | 1,373 |  |  | (2,385) |  |  | 25,934 |
Residential real estate |  | 23,643 |  |  |  |  |  |  | (903) |  |  | 312 |  |  | (107) |  |  | 22,945 |
Home equity |  | 5,432 |  |  |  |  |  |  | (12) |  |  | 80 |  |  | (845) |  |  | 4,655 |
Consumer other |  | 7,071 |  |  |  |  |  |  | (380) |  |  | 137 |  |  | (3,854) |  |  | 2,974 |
Total allowance for credit losses |  | $ | 119,044 |  |  |  |  |  |  | $ | (4,334) |  |  | $ | 2,201 |  |  | $ | (3,995) |  |  | $ | 112,916 |
(In thousands) |  | Balance at Beginning of Period |  |  |  |  |  | Charge-offs |  | Recoveries |  | Provision for Credit Losses |  | Balance at End of Period
Nine months ended September 30, 2022
Construction |  | $ | 3,206 |  |  |  |  |  |  | $ | — |  |  | $ | — |  |  | $ | (1,975) |  |  | $ | 1,231 |
Commercial multifamily |  | 6,120 |  |  |  |  |  |  | (94) |  |  | 112 |  |  | (4,418) |  |  | 1,720 |
Commercial real estate owner occupied |  | 12,752 |  |  |  |  |  |  | (603) |  |  | 562 |  |  | (2,526) |  |  | 10,185 |
Commercial real estate non-owner occupied |  | 32,106 |  |  |  |  |  |  | (5,895) |  |  | 1,464 |  |  | 1,746 |  |  | 29,421 |
Commercial and industrial |  | 22,584 |  |  |  |  |  |  | (6,951) |  |  | 2,485 |  |  | 517 |  |  | 18,635 |
Residential real estate |  | 22,406 |  |  |  |  |  |  | (480) |  |  | 719 |  |  | (2,807) |  |  | 19,838 |
Home equity |  | 4,006 |  |  |  |  |  |  | (9) |  |  | 255 |  |  | (1,831) |  |  | 2,421 |
Consumer other |  | 2,914 |  |  |  |  |  |  | (1,031) |  |  | 375 |  |  | 10,304 |  |  | 12,562 |
Total allowance for credit losses |  | $ | 106,094 |  |  |  |  |  |  | $ | (15,063) |  |  | $ | 5,972 |  |  | $ | (990) |  |  | $ | 96,013 |
(In thousands) |  | Balance at Beginning of Period |  |  |  |  |  | Charge-offs |  | Recoveries |  | Provision for Credit Losses |  | Balance at End of Period
Nine months ended September 30, 2021
Construction |  | $ | 5,111 |  |  |  |  |  |  | $ | — |  |  | $ | — |  |  | $ | (478) |  |  | $ | 4,633 |
Commercial multifamily |  | 5,916 |  |  |  |  |  |  | (239) |  |  | 157 |  |  | 1,317 |  |  | 7,151 |
Commercial real estate owner occupied |  | 12,380 |  |  |  |  |  |  | (686) |  |  | 83 |  |  | 1,071 |  |  | 12,848 |
Commercial real estate non-owner occupied |  | 35,850 |  |  |  |  |  |  | (10,896) |  |  | 571 |  |  | 6,251 |  |  | 31,776 |
Commercial and industrial |  | 25,013 |  |  |  |  |  |  | (8,184) |  |  | 3,284 |  |  | 5,821 |  |  | 25,934 |
Residential real estate |  | 28,491 |  |  |  |  |  |  | (1,501) |  |  | 1,417 |  |  | (5,462) |  |  | 22,945 |
Home equity |  | 6,482 |  |  |  |  |  |  | (253) |  |  | 119 |  |  | (1,693) |  |  | 4,655 |
Consumer other |  | 8,059 |  |  |  |  |  |  | (1,283) |  |  | 546 |  |  | (4,348) |  |  | 2,974 |
Total allowance for credit losses |  | $ | 127,302 |  |  |  |  |  |  | $ | (23,042) |  |  | $ | 6,177 |  |  | $ | 2,479 |  |  | $ | 112,916 |
Schedule of Allowance for Credit Losses on Unfunded Loan Commitments, Activity | The Company’s activity in the allowance for credit losses on unfunded commitments for the three and nine months ended September 30, 2022 and 2021 was as follows:
|  | Three Months Ended September 30,
(In thousands) |  | 2022 |  | 2021 |
Balance at beginning of period |  | $ | 7,043 |  |  | $ | 7,829 |  |
Expense for credit losses |  | 700 |  |  | — |  |
Balance at end of period |  | $ | 7,743 |  |  | $ | 7,829 |  |
|  | Nine Months Ended September 30,
(In thousands) |  | 2022 |  | 2021 |
Balance at beginning of period |  | $ | 7,043 |  |  | $ | 7,629 |  |
Expense for credit losses |  | 700 |  |  | 200 |  |
Balance at end of period |  | $ | 7,743 |  |  | $ | 7,829 |  |
Schedule of Loans by Risk Rating | The following table presents the Company’s loans by risk category:
| Term Loans Amortized Cost Basis by Origination Year |  |  |
(In thousands) | 2022 | 2021 | 2020 | 2019 | 2018 | Prior | Revolving Loans Amortized Cost Basis | Revolving Loans Converted to Term | Total
As of September 30, 2022
Construction |  |  |  |  |  |  |  |  |
Risk rating |  |  |  |  |  |  |  |  |
Pass | $ | 117,627 |  | $ | 129,188 |  | $ | 31,541 |  | $ | 65,388 |  | $ | 2,331 |  | $ | 2,103 |  | $ | — |  | $ | — |  | $ | 348,178 |
Special Mention | — |  | — |  | — |  | — |  | — |  | — |  | — |  | — |  | — |
Substandard | — |  | — |  | — |  | — |  | 19,819 |  | — |  | — |  | — |  | 19,819 |
Total | $ | 117,627 |  | $ | 129,188 |  | $ | 31,541 |  | $ | 65,388 |  | $ | 22,150 |  | $ | 2,103 |  | $ | — |  | $ | — |  | $ | 367,997 |
Commercial multifamily:
Risk rating |  |  |  |  |  |  |  |  |
Pass | $ | 194,494 |  | $ | 61,247 |  | $ | 27,732 |  | $ | 94,937 |  | $ | 68,290 |  | $ | 157,611 |  | $ | 400 |  | $ | — |  | $ | 604,711 |
Special Mention | — |  | — |  | 2,646 |  | — |  | 5,533 |  | — |  | — |  | — |  | 8,179 |
Substandard | — |  | — |  | — |  | — |  | — |  | — |  | — |  | — |  | — |
Total | $ | 194,494 |  | $ | 61,247 |  | $ | 30,378 |  | $ | 94,937 |  | $ | 73,823 |  | $ | 157,611 |  | $ | 400 |  | $ | — |  | $ | 612,890 |
Commercial real estate owner occupied:
Risk rating |  |  |  |  |  |  |  |  |
Pass | $ | 101,409 |  | $ | 133,212 |  | $ | 60,422 |  | $ | 84,434 |  | $ | 76,062 |  | $ | 164,207 |  | $ | 3,169 |  | $ | — |  | $ | 622,915 |
Special Mention | — |  | — |  | — |  | — |  | — |  | 114 |  | — |  | — |  | 114 |
Substandard | 1,033 |  | 122 |  | 31 |  | 366 |  | 1,311 |  | 6,109 |  | — |  | — |  | 8,972 |
Total | $ | 102,442 |  | $ | 133,334 |  | $ | 60,453 |  | $ | 84,800 |  | $ | 77,373 |  | $ | 170,430 |  | $ | 3,169 |  | $ | — |  | $ | 632,001 |
Commercial real estate non-owner occupied:
Risk rating |  |  |  |  |  |  |  |  |
Pass | $ | 421,349 |  | $ | 445,515 |  | $ | 168,958 |  | $ | 291,942 |  | $ | 296,356 |  | $ | 568,691 |  | $ | 18,051 |  | $ | — |  | $ | 2,210,862 |
Special Mention | — |  | — |  | — |  | 13,686 |  | — |  | 31,073 |  | — |  | — |  | 44,759 |
Substandard | — |  | — |  | 7,333 |  | — |  | 16,081 |  | 6,735 |  | — |  | — |  | 30,149 |
Total | $ | 421,349 |  | $ | 445,515 |  | $ | 176,291 |  | $ | 305,628 |  | $ | 312,437 |  | $ | 606,499 |  | $ | 18,051 |  | $ | — |  | $ | 2,285,770 |
Commercial and industrial:
Risk rating |  |  |  |  |  |  |  |  |
Pass | $ | 175,428 |  | $ | 159,122 |  | $ | 81,452 |  | $ | 75,464 |  | $ | 95,370 |  | $ | 109,382 |  | $ | 635,314 |  | $ | — |  | $ | 1,331,532 |
Special Mention | — |  | — |  | — |  | 667 |  | 12,558 |  | — |  | — |  | — |  | 13,225 |
Substandard | 91 |  | 559 |  | 4,215 |  | 9,044 |  | 1,420 |  | 3,297 |  | 31,711 |  | — |  | 50,337 |
Doubtful | — |  | — |  | — |  | — |  | — |  | — |  | 78 |  | — |  | 78 |
Total | $ | 175,519 |  | $ | 159,681 |  | $ | 85,667 |  | $ | 85,175 |  | $ | 109,348 |  | $ | 112,679 |  | $ | 667,103 |  | $ | — |  | $ | 1,395,172 |
Residential real estate
Risk rating |  |  |  |  |  |  |  |  |
Pass | $ | 770,095 |  | $ | 281,469 |  | $ | 100,116 |  | $ | 73,592 |  | $ | 147,992 |  | $ | 736,711 |  | $ | 286 |  | $ | — |  | $ | 2,110,261 |
Special Mention | — |  | — |  | 158 |  | — |  | — |  | 1,942 |  | — |  | — |  | 2,100 |
Substandard | — |  | 3,254 |  | — |  | 274 |  | 2,086 |  | 10,064 |  | — |  | — |  | 15,678 |
Total | $ | 770,095 |  | $ | 284,723 |  | $ | 100,274 |  | $ | 73,866 |  | $ | 150,078 |  | $ | 748,717 |  | $ | 286 |  | $ | — |  | $ | 2,128,039 |
| Term Loans Amortized Cost Basis by Origination Year |  |  |
(In thousands) | 2021 | 2020 | 2019 | 2018 | 2017 | Prior | Revolving Loans Amortized Cost Basis | Revolving Loans Converted to Term | Total
As of December 31, 2021
Construction |  |  |  |  |  |  |  |  |
Risk rating |  |  |  |  |  |  |  |  |
Pass | $ | 71,784 |  | $ | 52,725 |  | $ | 117,784 |  | $ | 66,950 |  | $ | 3,839 |  | $ | 1,721 |  | $ | 50 |  | $ | — |  | $ | 314,853 |
Special Mention | — |  | — |  | — |  | — |  | — |  | — |  | — |  | — |  | — |
Substandard | — |  | — |  | — |  | 9,429 |  | — |  | — |  | — |  | — |  | 9,429 |
Total | $ | 71,784 |  | $ | 52,725 |  | $ | 117,784 |  | $ | 76,379 |  | $ | 3,839 |  | $ | 1,721 |  | $ | 50 |  | $ | — |  | $ | 324,282 |
Commercial multifamily:
Risk rating |  |  |  |  |  |  |  |  |
Pass | $ | 63,630 |  | $ | 28,172 |  | $ | 98,455 |  | $ | 59,720 |  | $ | 76,699 |  | $ | 176,020 |  | $ | 457 |  | $ | — |  | $ | 503,153 |
Special Mention | — |  | 2,700 |  | — |  | 5,598 |  | — |  | — |  | — |  | — |  | 8,298 |
Substandard | — |  | — |  | — |  | — |  | — |  | 4,230 |  | 136 |  | — |  | 4,366 |
Total | $ | 63,630 |  | $ | 30,872 |  | $ | 98,455 |  | $ | 65,318 |  | $ | 76,699 |  | $ | 180,250 |  | $ | 593 |  | $ | — |  | $ | 515,817 |
Commercial real estate owner occupied:
Risk rating |  |  |  |  |  |  |  |  |
Pass | $ | 154,434 |  | $ | 50,236 |  | $ | 85,687 |  | $ | 91,316 |  | $ | 45,995 |  | $ | 157,346 |  | $ | 3,206 |  | $ | — |  | $ | 588,220 |
Special Mention | — |  | 525 |  | 869 |  | 1,668 |  | 1,405 |  | 1,157 |  | — |  | — |  | 5,624 |
Substandard | — |  | — |  | 2,113 |  | 1,593 |  | 838 |  | 8,089 |  | — |  | — |  | 12,633 |
Total | $ | 154,434 |  | $ | 50,761 |  | $ | 88,669 |  | $ | 94,577 |  | $ | 48,238 |  | $ | 166,592 |  | $ | 3,206 |  | $ | — |  | $ | 606,477 |
Commercial real estate non-owner occupied:
Risk rating |  |  |  |  |  |  |  |  |
Pass | $ | 426,086 |  | $ | 176,172 |  | $ | 296,985 |  | $ | 349,947 |  | $ | 204,043 |  | $ | 585,044 |  | $ | 19,511 |  | $ | — |  | $ | 2,057,788 |
Special Mention | — |  | 221 |  | 3,472 |  | 7,632 |  | 2,302 |  | 27,268 |  | — |  | — |  | 40,895 |
Substandard | — |  | 7,588 |  | — |  | 2,784 |  | 33,472 |  | 14,303 |  | 99 |  | — |  | 58,246 |
Total | $ | 426,086 |  | $ | 183,981 |  | $ | 300,457 |  | $ | 360,363 |  | $ | 239,817 |  | $ | 626,615 |  | $ | 19,610 |  | $ | — |  | $ | 2,156,929 |
Commercial and industrial:
Risk rating |  |  |  |  |  |  |  |  |
Pass | $ | 187,257 |  | $ | 130,520 |  | $ | 114,153 |  | $ | 156,443 |  | $ | 54,190 |  | $ | 136,837 |  | $ | 424,393 |  | $ | — |  | $ | 1,203,793 |
Special Mention | 661 |  | 1,691 |  | 10,824 |  | 5,092 |  | 1,433 |  | 488 |  | 22,468 |  | — |  | 42,657 |
Substandard | 211 |  | 2,494 |  | 9,609 |  | 3,145 |  | 2,020 |  | 2,330 |  | 17,935 |  | — |  | 37,744 |
Doubtful | — |  | — |  | — |  | — |  | — |  | 15 |  | 220 |  | — |  | 235 |
Total | $ | 188,129 |  | $ | 134,705 |  | $ | 134,586 |  | $ | 164,680 |  | $ | 57,643 |  | $ | 139,670 |  | $ | 465,016 |  | $ | — |  | $ | 1,284,429 |
Residential real estate
Risk rating |  |  |  |  |  |  |  |  |
Pass | $ | 214,306 |  | $ | 114,536 |  | $ | 86,997 |  | $ | 169,537 |  | $ | 189,980 |  | $ | 697,401 |  | $ | 293 |  | $ | — |  | $ | 1,473,050 |
Special Mention | — |  | — |  | — |  | 120 |  | 502 |  | 1,557 |  | — |  | — |  | 2,179 |
Substandard | 1,239 |  | — |  | 142 |  | 1,849 |  | 2,161 |  | 8,628 |  | — |  | — |  | 14,019 |
Total | $ | 215,545 |  | $ | 114,536 |  | $ | 87,139 |  | $ | 171,506 |  | $ | 192,643 |  | $ | 707,586 |  | $ | 293 |  | $ | — |  | $ | 1,489,248 |
For home equity and consumer other loan portfolio segments, Berkshire evaluates credit quality based on the aging status of the loan and by payment activity. The performing or nonperforming status is updated on an ongoing basis dependent upon improvement and deterioration in credit quality. The following table presents the amortized cost based on payment activity:
| Term Loans Amortized Cost Basis by Origination Year |  |  |
(In thousands) | 2022 | 2021 | 2020 | 2019 | 2018 | Prior | Revolving Loans Amortized Cost Basis | Revolving Loans Converted to Term | Total
As of September 30, 2022
Home equity: |  |  |  |  |  |  |  |  |
Payment performance |  |  |  |  |  |  |  |  |
Performing | $ | — |  | $ | 117 |  | $ | 457 |  | $ | — |  | $ | — |  | $ | 19 |  | $ | 231,218 |  | $ | — |  | $ | 231,811 |
Nonperforming | — |  | — |  | — |  | — |  | — |  | — |  | 2,216 |  | — |  | 2,216 |
Total | $ | — |  | $ | 117 |  | $ | 457 |  | $ | — |  | $ | — |  | $ | 19 |  | $ | 233,434 |  | $ | — |  | $ | 234,027 |
Consumer other: |  |  |  |  |  |  |  |  |
Payment performance |  |  |  |  |  |  |  |  |
Performing | $ | 159,609 |  | $ | 30,603 |  | $ | 8,901 |  | $ | 14,548 |  | $ | 33,215 |  | $ | 30,817 |  | $ | 8,035 |  | $ | — |  | $ | 285,728 |
Nonperforming | 279 |  | 165 |  | 20 |  | 271 |  | 562 |  | 553 |  | 7 |  | — |  | 1,857 |
Total | $ | 159,888 |  | $ | 30,768 |  | $ | 8,921 |  | $ | 14,819 |  | $ | 33,777 |  | $ | 31,370 |  | $ | 8,042 |  | $ | — |  | $ | 287,585 |
| Term Loans Amortized Cost Basis by Origination Year |  |  |
(In thousands) | 2021 | 2020 | 2019 | 2018 | 2017 | Prior | Revolving Loans Amortized Cost Basis | Revolving Loans Converted to Term | Total
As of December 31, 2021
Home equity: |  |  |  |  |  |  |  |  |
Payment performance |  |  |  |  |  |  |  |  |
Performing | $ | 125 |  | $ | 469 |  | $ | — |  | $ | — |  | $ | — |  | $ | 24 |  | $ | 249,590 |  | $ | — |  | $ | 250,208 |
Nonperforming | — |  | — |  | — |  | — |  | — |  | — |  | 2,158 |  | — |  | 2,158 |
Total | $ | 125 |  | $ | 469 |  | $ | — |  | $ | — |  | $ | — |  | $ | 24 |  | $ | 251,748 |  | $ | — |  | $ | 252,366 |
Consumer other: |  |  |  |  |  |  |  |  |
Payment performance |  |  |  |  |  |  |  |  |
Performing | $ | 37,994 |  | $ | 11,189 |  | $ | 21,548 |  | $ | 55,577 |  | $ | 30,632 |  | $ | 28,797 |  | $ | 7,505 |  | $ | — |  | $ | 193,242 |
Nonperforming | 8 |  | 46 |  | 290 |  | 797 |  | 746 |  | 1,139 |  | 31 |  | — |  | 3,057 |
Total | $ | 38,002 |  | $ | 11,235 |  | $ | 21,838 |  | $ | 56,374 |  | $ | 31,378 |  | $ | 29,936 |  | $ | 7,536 |  | $ | — |  | $ | 196,299 |
The following table summarizes information about total loans rated Special Mention or lower at September 30, 2022 and December 31, 2021. The table below includes consumer loans that are Special Mention and Substandard accruing that are classified as performing based on payment activity.
(In thousands) |  | September 30, 2022 |  | December 31, 2021 |  |
Non-Accrual |  | $ | 37,853 |  |  | $ | 35,326 |  |  |
Substandard Accruing |  | 88,649 |  |  | 106,560 |  |  |
Total Classified |  | 126,502 |  |  | 141,886 |  |  |
Special Mention |  | 69,530 |  |  | 100,071 |  |  |
Total Criticized |  | $ | 196,032 |  |  | $ | 241,957 |  |  |
Summary of Past Due Loans | The following is a summary of loans by past due status at September 30, 2022 and December 31, 2021:
(In thousands) |  | 30-59 Days Past Due |  | 60-89 Days Past Due |  | 90 Days or Greater Past Due |  | Total Past Due |  | Current |  | Total Loans
September 30, 2022
Construction |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | 367,997 |  |  | $ | 367,997 |
Commercial multifamily |  | — |  |  | — |  |  | — |  |  | — |  |  | 612,890 |  |  | 612,890 |
Commercial real estate owner occupied |  | 391 |  |  | 114 |  |  | 3,831 |  |  | 4,336 |  |  | 627,665 |  |  | 632,001 |
Commercial real estate non-owner occupied |  | 368 |  |  | 3 |  |  | 206 |  |  | 577 |  |  | 2,285,193 |  |  | 2,285,770 |
Commercial and industrial |  | 2,844 |  |  | 1,192 |  |  | 22,986 |  |  | 27,022 |  |  | 1,368,150 |  |  | 1,395,172 |
Residential real estate |  | 4,566 |  |  | 2,281 |  |  | 13,038 |  |  | 19,885 |  |  | 2,108,154 |  |  | 2,128,039 |
Home equity |  | 170 |  |  | 206 |  |  | 2,216 |  |  | 2,592 |  |  | 231,435 |  |  | 234,027 |
Consumer other |  | 1,720 |  |  | 809 |  |  | 1,862 |  |  | 4,391 |  |  | 283,194 |  |  | 287,585 |
Total |  | $ | 10,059 |  |  | $ | 4,605 |  |  | $ | 44,139 |  |  | $ | 58,803 |  |  | $ | 7,884,678 |  |  | $ | 7,943,481 |
(In thousands) |  | 30-59 Days Past Due |  | 60-89 Days Past Due |  | 90 Days or Greater Past Due |  | Total Past Due |  | Current |  | Total Loans
December 31, 2021
Construction |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | 324,282 |  |  | $ | 324,282 |
Commercial multifamily |  | 82 |  |  | 306 |  |  | 187 |  |  | 575 |  |  | 515,242 |  |  | 515,817 |
Commercial real estate owner occupied |  | — |  |  | 400 |  |  | 4,221 |  |  | 4,621 |  |  | 601,856 |  |  | 606,477 |
Commercial real estate non-owner occupied |  | 25,420 |  |  | 653 |  |  | 9,049 |  |  | 35,122 |  |  | 2,121,807 |  |  | 2,156,929 |
Commercial and industrial |  | 2,700 |  |  | 709 |  |  | 6,836 |  |  | 10,245 |  |  | 1,274,184 |  |  | 1,284,429 |
Residential real estate |  | 5,529 |  |  | 2,015 |  |  | 13,264 |  |  | 20,808 |  |  | 1,468,440 |  |  | 1,489,248 |
Home equity |  | 258 |  |  | 108 |  |  | 2,158 |  |  | 2,524 |  |  | 249,842 |  |  | 252,366 |
Consumer other |  | 1,363 |  |  | 320 |  |  | 2,882 |  |  | 4,565 |  |  | 191,734 |  |  | 196,299 |
Total |  | $ | 35,352 |  |  | $ | 4,511 |  |  | $ | 38,597 |  |  | $ | 78,460 |  |  | $ | 6,747,387 |  |  | $ | 6,825,847 |
Summary of Loans on Nonaccrual Status and Loans Past Due | The following is a summary of loans on nonaccrual status and loans past due 90 days or more and still accruing as of September 30, 2022 and December 31, 2021:
(In thousands) |  |  |  | Nonaccrual Amortized Cost |  |  |  | Nonaccrual With No Related Allowance |  | Past Due 90 Days or Greater and Accruing |  | Interest Income Recognized on Nonaccrual
At or for the three months ended September 30, 2022 |  |  |  |  |  |  |  |  |  |  |  |
Construction |  |  |  | $ | — |  |  |  |  | $ | — |  |  | $ | — |  |  | $ | — |
Commercial multifamily |  |  |  | — |  |  |  |  | — |  |  | — |  |  | — |
Commercial real estate owner occupied |  |  |  | 2,722 |  |  |  |  | 1,987 |  |  | 1,109 |  |  | — |
Commercial real estate non-owner occupied |  |  |  | 206 |  |  |  |  | 80 |  |  | — |  |  | — |
Commercial and industrial |  |  |  | 20,977 |  |  |  |  | 18,292 |  |  | 2,009 |  |  | — |
Residential real estate |  |  |  | 10,703 |  |  |  |  | 6,355 |  |  | 2,335 |  |  | — |
Home equity |  |  |  | 1,725 |  |  |  |  | 518 |  |  | 491 |  |  | — |
Consumer other |  |  |  | 1,520 |  |  |  |  | 2 |  |  | 342 |  |  | — |
Total |  |  |  | $ | 37,853 |  |  |  |  | $ | 27,234 |  |  | $ | 6,286 |  |  | $ | — |
The commercial and industrial loans nonaccrual amortized cost as of September 30, 2022 included medallion loans with a fair value of $0.8 million and a contractual balance of $13.4 million.
(In thousands) |  |  |  | Nonaccrual Amortized Cost |  |  |  | Nonaccrual With No Related Allowance |  | Past Due 90 Days or Greater and Accruing |  | Interest Income Recognized on Nonaccrual
At or for the three months ended December 31, 2021 |  |  |  |  |  |  |  |  |  |  |  |
Construction |  |  |  | $ | — |  |  |  |  | $ | — |  |  | $ | — |  |  | $ | — |
Commercial multifamily |  |  |  | 187 |  |  |  |  | 187 |  |  | — |  |  | — |
Commercial real estate owner occupied |  |  |  | 4,221 |  |  |  |  | 2,413 |  |  | — |  |  | — |
Commercial real estate non-owner occupied |  |  |  | 8,877 |  |  |  |  | 8,412 |  |  | 172 |  |  | — |
Commercial and industrial |  |  |  | 6,747 |  |  |  |  | 1,506 |  |  | 89 |  |  | — |
Residential real estate |  |  |  | 10,698 |  |  |  |  | 6,511 |  |  | 2,566 |  |  | — |
Home equity |  |  |  | 1,901 |  |  |  |  | 141 |  |  | 257 |  |  | — |
Consumer other |  |  |  | 2,695 |  |  |  |  | 4 |  |  | 187 |  |  | — |
Total |  |  |  | $ | 35,326 |  |  |  |  | $ | 19,174 |  |  | $ | 3,271 |  |  | $ | — |
Schedule of Collateral Dependent Loans | The following table presents the amortized cost basis of individually analyzed collateral-dependent loans by loan portfolio segment:
|  | Type of Collateral
(In thousands) |  | Real Estate |  |  |  | Investment Securities/Cash |  |  |  | Other
September 30, 2022 |  |  |  |  |  |  |  |  |  |
Construction |  | $ | — |  |  |  |  | $ | — |  |  |  |  | $ | — |
Commercial multifamily |  |  |  |  |  | — |  |  |  |  | — |
Commercial real estate owner occupied |  | 3,380 |  |  |  |  | — |  |  |  |  | — |
Commercial real estate non-owner occupied |  | 394 |  |  |  |  | — |  |  |  |  | — |
Commercial and industrial |  | 461 |  |  |  |  | — |  |  |  |  | 19,113 |
Residential real estate |  | 5,537 |  |  |  |  | — |  |  |  |  | — |
Home equity |  | 638 |  |  |  |  | — |  |  |  |  | — |
Consumer other |  | 4 |  |  |  |  | — |  |  |  |  | — |
Total loans |  | $ | 10,414 |  |  |  |  | $ | — |  |  |  |  | $ | 19,113 |
December 31, 2021 |  |  |  |  |  |  |  |  |  |
Construction |  | $ | 9,429 |  |  |  |  | $ | — |  |  |  |  | $ | — |
Commercial multifamily |  | 188 |  |  |  |  | — |  |  |  |  | — |
Commercial real estate owner occupied |  | 4,466 |  |  |  |  | — |  |  |  |  | — |
Commercial real estate non-owner occupied |  | 9,501 |  |  |  |  | — |  |  |  |  | — |
Commercial and industrial |  | 526 |  |  |  |  | — |  |  |  |  | 1,040 |
Residential real estate |  | 7,035 |  |  |  |  | — |  |  |  |  | — |
Home equity |  | 262 |  |  |  |  | — |  |  |  |  | — |
Consumer other |  | 2 |  |  |  |  | — |  |  |  |  | — |
Total loans |  | $ | 31,409 |  |  |  |  | $ | — |  |  |  |  | $ | 1,040 |
Schedule of Troubled Debt Restructurings, Activity | The following table presents activity in TDRs for the three and nine months ended September 30, 2022 and September 30, 2021:
(In thousands) |  | Balance at Beginning of Period |  | Principal Payments |  | TDR Status Change |  | Other Additions/(Reductions) |  | Newly Identified TDRs |  | Balance at End of Period
Three months ended September 30, 2022
Construction |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |
Commercial multifamily |  | 677 |  |  | (7) |  |  | — |  |  | (175) |  |  | — |  |  | 495 |
Commercial real estate owner occupied |  | 2,701 |  |  | (28) |  |  | — |  |  | (16) |  |  | — |  |  | 2,657 |
Commercial real estate non-owner occupied |  | 986 |  |  | (13) |  |  | — |  |  | — |  |  | — |  |  | 973 |
Commercial and industrial |  | 4,651 |  |  | (426) |  |  | — |  |  | (15) |  |  | — |  |  | 4,210 |
Residential real estate |  | 1,019 |  |  | (17) |  |  | — |  |  | — |  |  | — |  |  | 1,002 |
Home equity |  | 162 |  |  | (62) |  |  | — |  |  | — |  |  | — |  |  | 100 |
Consumer other |  | 30 |  |  | (2) |  |  | — |  |  | — |  |  | 545 |  |  | 573 |
Total |  | $ | 10,226 |  |  | $ | (555) |  |  | $ | — |  |  | $ | (206) |  |  | $ | 545 |  |  | $ | 10,010 |
(In thousands) |  | Balance at Beginning of Period |  | Principal Payments |  | TDR Status Change |  | Other Additions/(Reductions) |  | Newly Identified TDRs |  | Balance at End of Period
Three months ended September 30, 2021
Construction |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |
Commercial multifamily |  | 728 |  |  | (11) |  |  | — |  |  | — |  |  | — |  |  | 717 |
Commercial real estate owner occupied |  | 2,962 |  |  | (33) |  |  | — |  |  | — |  |  | — |  |  | 2,929 |
Commercial real estate non-owner occupied |  | 24,488 |  |  | (67) |  |  | — |  |  | (10,967) |  |  | — |  |  | 13,454 |
Commercial and industrial |  | 6,810 |  |  | (387) |  |  | — |  |  | (3,105) |  |  | 283 |  |  | 3,601 |
Residential real estate |  | 1,305 |  |  | (160) |  |  | — |  |  | — |  |  | — |  |  | 1,145 |
Home equity |  | 127 |  |  | (3) |  |  | — |  |  | — |  |  | — |  |  | 124 |
Consumer other |  | 37 |  |  | (2) |  |  | — |  |  | (1) |  |  | — |  |  | 34 |
Total |  | $ | 36,457 |  |  | $ | (663) |  |  | $ | — |  |  | $ | (14,073) |  |  | $ | 283 |  |  | $ | 22,004 |
(In thousands) |  | Balance at Beginning of Period |  | Principal Payments |  | TDR Status Change |  | Other Additions/(Reductions) |  | Newly Identified TDRs |  | Balance at End of Period
Nine months ended September 30, 2022
Construction |  | $ | 9,429 |  |  | $ | — |  |  | $ | — |  |  | $ | (9,429) |  |  | $ | — |  |  | $ | — |
Commercial multifamily |  | 703 |  |  | (33) |  |  | — |  |  | (175) |  |  | — |  |  | 495 |
Commercial real estate owner occupied |  | 2,733 |  |  | (60) |  |  | — |  |  | (16) |  |  | — |  |  | 2,657 |
Commercial real estate non-owner occupied |  | 9,310 |  |  | (25) |  |  | — |  |  | (8,312) |  |  | — |  |  | 973 |
Commercial and industrial |  | 3,656 |  |  | (768) |  |  | — |  |  | (164) |  |  | 1,486 |  |  | 4,210 |
Residential real estate |  | 1,117 |  |  | (48) |  |  | — |  |  | (67) |  |  | — |  |  | 1,002 |
Home equity |  | 121 |  |  | (71) |  |  | — |  |  | — |  |  | 50 |  |  | 100 |
Consumer other |  | 33 |  |  | (5) |  |  | — |  |  | — |  |  | 545 |  |  | 573 |
Total |  | $ | 27,102 |  |  | $ | (1,010) |  |  | $ | — |  |  | $ | (18,163) |  |  | $ | 2,081 |  |  | $ | 10,010 |
(In thousands) |  | Balance at Beginning of Period |  | Principal Payments |  | TDR Status Change |  | Other Additions/(Reductions) |  | Newly Identified TDRs |  | Balance at End of Period
Nine months ended September 30, 2021
Construction |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |
Commercial multifamily |  | 754 |  |  | (37) |  |  | — |  |  | — |  |  | — |  |  | 717 |
Commercial real estate owner occupied |  | 1,731 |  |  | (68) |  |  | — |  |  | — |  |  | 1,266 |  |  | 2,929 |
Commercial real estate non-owner occupied |  | 13,684 |  |  | (163) |  |  | — |  |  | (11,046) |  |  | 10,979 |  |  | 13,454 |
Commercial and industrial |  | 2,686 |  |  | (815) |  |  | — |  |  | (3,141) |  |  | 4,871 |  |  | 3,601 |
Residential real estate |  | 1,524 |  |  | (205) |  |  | — |  |  | (174) |  |  | — |  |  | 1,145 |
Home equity |  | 133 |  |  | (9) |  |  | — |  |  | — |  |  | — |  |  | 124 |
Consumer other |  | 36 |  |  | (7) |  |  | — |  |  | 5 |  |  | — |  |  | 34 |
Total |  | $ | 20,548 |  |  | $ | (1,304) |  |  | $ | — |  |  | $ | (14,356) |  |  | $ | 17,116 |  |  | $ | 22,004 |
Schedule of Loans Modified as TDRs | The following table presents loans modified as TDRs that occurred during the three and nine months ended September 30, 2022 and 2021:
(dollars in thousands) |  | Total
Three months ended September 30, 2022 |  |
TDR: |  |
Number of loans |  | 30 |
Pre-modification outstanding recorded investment |  | $ | 545 |
Post-modification outstanding recorded investment |  | $ | 545 |
Three months ended September 30, 2021 |  |
TDR: |  |
Number of loans |  | 2 |
Pre-modification outstanding recorded investment |  | $ | 283 |
Post-modification outstanding recorded investment |  | $ | 283 |
(dollars in thousands) |  | Total
Nine months ended September 30, 2022 |  |
TDR: |  |
Number of loans |  | 32 |
Pre-modification outstanding recorded investment |  | $ | 2,081 |
Post-modification outstanding recorded investment |  | $ | 2,081 |
Nine months ended September 30, 2021 |  |
TDR: |  |
Number of loans |  | 15 |
Pre-modification outstanding recorded investment |  | $ | 17,116 |
Post-modification outstanding recorded investment |  | $ | 17,116 |
There were no TDRs for which there was a payment default within twelve months following the modification during the three months ending September 30, 2022. The following table presents loans by portfolio segment modified as TDRs for which there was a payment default within twelve months following the modification during the nine months ended September 30, 2022:
(in thousands) | Number of Loans |  | Recorded Investment
Nine months ended September 30, 2022 |  |  |
Commercial and industrial | 1 |  | $ | 105 |
Total | 1 |  | $ | 105 |

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