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LOANS AND RELATED ALLOWANCE FOR CREDIT LOSSES (Tables) | 12 Months Ended
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Dec. 31, 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) |  | December 31, 2022 |  | December 31, 2021
Construction |  | $ | 319,452 |  |  | $ | 324,282 |
Commercial multifamily |  | 620,088 |  |  | 515,817 |
Commercial real estate owner occupied |  | 640,489 |  |  | 606,477 |
Commercial real estate non-owner occupied |  | 2,496,237 |  |  | 2,156,929 |
Commercial and industrial |  | 1,445,236 |  |  | 1,284,429 |
Residential real estate |  | 2,312,447 |  |  | 1,489,248 |
Home equity |  | 227,450 |  |  | 252,366 |
Consumer other |  | 273,910 |  |  | 196,299 |
Total loans |  | $ | 8,335,309 |  |  | $ | 6,825,847 |
Allowance for credit losses |  | 96,270 |  |  | 106,094 |
Net loans |  | $ | 8,239,039 |  |  | $ | 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 years ended December 31, 2022, December 31, 2021 and December 31, 2020 was as follows:
(In thousands) |  | Balance at Beginning of Period |  | Charge-offs |  | Recoveries |  | Provision for Credit Losses |  | Balance at End of Period
Year ended December 31, 2022
Construction |  | $ | 3,206 |  |  | $ | — |  |  | $ | — |  |  | $ | (1,979) |  |  | $ | 1,227 |
Commercial multifamily |  | 6,120 |  |  | (94) |  |  | 112 |  |  | (4,328) |  |  | 1,810 |
Commercial real estate owner occupied |  | 12,752 |  |  | (687) |  |  | 702 |  |  | (2,028) |  |  | 10,739 |
Commercial real estate non-owner occupied |  | 32,106 |  |  | (5,894) |  |  | 1,549 |  |  | 2,963 |  |  | 30,724 |
Commercial and industrial |  | 22,584 |  |  | (18,447) |  |  | 3,050 |  |  | 11,556 |  |  | 18,743 |
Residential real estate |  | 22,406 |  |  | (555) |  |  | 1,019 |  |  | (4,204) |  |  | 18,666 |
Home equity |  | 4,006 |  |  | (166) |  |  | 283 |  |  | (1,950) |  |  | 2,173 |
Consumer other |  | 2,914 |  |  | (2,215) |  |  | 505 |  |  | 10,984 |  |  | 12,188 |
Total allowance for credit losses |  | $ | 106,094 |  |  | $ | (28,058) |  |  | $ | 7,220 |  |  | $ | 11,014 |  |  | $ | 96,270 |
(In thousands) |  | Balance at Beginning of Period |  | Charge-offs |  | Recoveries |  | Provision for Credit Losses |  | Balance at End of Period
Year ended December 31, 2021
Construction |  | $ | 5,111 |  |  | $ | — |  |  | $ | — |  |  | $ | (1,905) |  |  | $ | 3,206 |
Commercial multifamily |  | 5,916 |  |  | (404) |  |  | 157 |  |  | 451 |  |  | 6,120 |
Commercial real estate owner occupied |  | 12,380 |  |  | (1,640) |  |  | 204 |  |  | 1,808 |  |  | 12,752 |
Commercial real estate non-owner occupied |  | 35,850 |  |  | (14,557) |  |  | 2,522 |  |  | 8,291 |  |  | 32,106 |
Commercial and industrial |  | 25,013 |  |  | (10,841) |  |  | 4,565 |  |  | 3,847 |  |  | 22,584 |
Residential real estate |  | 28,491 |  |  | (1,664) |  |  | 1,767 |  |  | (6,188) |  |  | 22,406 |
Home equity |  | 6,482 |  |  | (334) |  |  | 335 |  |  | (2,477) |  |  | 4,006 |
Consumer other |  | 8,059 |  |  | (1,578) |  |  | 761 |  |  | (4,328) |  |  | 2,914 |
Total allowance for credit losses |  | $ | 127,302 |  |  | $ | (31,018) |  |  | $ | 10,311 |  |  | $ | (501) |  |  | $ | 106,094 |
(In thousands) |  | Balance at Beginning of Period |  | Impact of Adopting ASC 326 |  | Sub-total |  | Charge-offs |  | Recoveries |  | Provision for Credit Losses |  | Balance at End of Period
Year ended December 31, 2020
Construction |  | $ | 2,713 |  |  | $ | (342) |  |  | $ | 2,371 |  |  | $ | (834) |  |  | $ | — |  |  | $ | 3,574 |  |  | $ | 5,111 |
Commercial multifamily |  | 4,413 |  |  | (1,842) |  |  | 2,571 |  |  | (100) |  |  | 100 |  |  | 3,345 |  |  | 5,916 |
Commercial real estate owner occupied |  | 4,880 |  |  | 6,062 |  |  | 10,942 |  |  | (8,686) |  |  | 1,053 |  |  | 9,071 |  |  | 12,380 |
Commercial real estate non-owner occupied |  | 16,344 |  |  | 11,201 |  |  | 27,545 |  |  | (11,653) |  |  | 307 |  |  | 19,651 |  |  | 35,850 |
Commercial and industrial |  | 20,099 |  |  | (2,189) |  |  | 17,910 |  |  | (19,328) |  |  | 4,285 |  |  | 22,146 |  |  | 25,013 |
Residential real estate |  | 9,970 |  |  | 6,799 |  |  | 16,769 |  |  | (2,285) |  |  | 1,359 |  |  | 12,648 |  |  | 28,491 |
Home equity |  | 1,470 |  |  | 4,884 |  |  | 6,354 |  |  | (347) |  |  | 292 |  |  | 183 |  |  | 6,482 |
Consumer other |  | 3,686 |  |  | 861 |  |  | 4,547 |  |  | (2,562) |  |  | 609 |  |  | 5,465 |  |  | 8,059 |
Total allowance for credit losses |  | $ | 63,575 |  |  | $ | 25,434 |  |  | $ | 89,009 |  |  | $ | (45,795) |  |  | $ | 8,005 |  |  | $ | 76,083 |  |  | $ | 127,302 |
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 years ended December 31, 2022, December 31, 2021, and December 31, 2020 was as follows:
(In thousands) |  | Total
Balance at December 31, 2021 |  | $ | 7,043 |
Expense for credit losses |  | 1,545 |
Balance at December 31, 2022 |  | $ | 8,588 |
(In thousands) |  | Total
Balance at December 31, 2020 |  | $ | 7,629 |
Release of expense for credit losses |  | (586) |
Balance at December 31, 2021 |  | $ | 7,043 |
(In thousands) |  | Total
Balance at December 31, 2019 |  | $ | 100 |
Impact of adopting ASC 326 |  | 7,993 |
Sub-Total |  | 8,093 |
Release of expense for credit losses |  | (464) |
Balance at December 31, 2020 |  | $ | 7,629 |
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 December 31, 2022
Construction |  |  |  |  |  |  |  |  |
Risk rating |  |  |  |  |  |  |  |  |
Pass | $ | 153,393 |  | $ | 133,708 |  | $ | 25,634 |  | $ | 3,432 |  | $ | 1,361 |  | $ | 1,924 |  | $ | — |  | $ | — |  | $ | 319,452 |
Special Mention | — |  | — |  | — |  | — |  | — |  | — |  | — |  | — |  | — |
Substandard | — |  | — |  | — |  | — |  | — |  | — |  | — |  | — |  | — |
Total | $ | 153,393 |  | $ | 133,708 |  | $ | 25,634 |  | $ | 3,432 |  | $ | 1,361 |  | $ | 1,924 |  | $ | — |  | $ | — |  | $ | 319,452 |
Commercial multifamily:
Risk rating |  |  |  |  |  |  |  |  |
Pass | $ | 205,124 |  | $ | 61,032 |  | $ | 27,583 |  | $ | 100,696 |  | $ | 67,675 |  | $ | 149,633 |  | $ | 205 |  | $ | — |  | $ | 611,948 |
Special Mention | — |  | — |  | 2,628 |  | — |  | — |  | — |  | — |  | — |  | 2,628 |
Substandard | — |  | — |  | — |  | — |  | 5,512 |  | — |  | — |  | — |  | 5,512 |
Total | $ | 205,124 |  | $ | 61,032 |  | $ | 30,211 |  | $ | 100,696 |  | $ | 73,187 |  | $ | 149,633 |  | $ | 205 |  | $ | — |  | $ | 620,088 |
Commercial real estate owner occupied:
Risk rating |  |  |  |  |  |  |  |  |
Pass | $ | 131,096 |  | $ | 127,270 |  | $ | 58,835 |  | $ | 82,576 |  | $ | 75,322 |  | $ | 154,056 |  | $ | 3,464 |  | $ | — |  | $ | 632,619 |
Special Mention | — |  | — |  | 387 |  | — |  | — |  | — |  | — |  | — |  | 387 |
Substandard | 1,003 |  | 122 |  | 31 |  | 282 |  | 1,056 |  | 4,989 |  | — |  | — |  | 7,483 |
Total | $ | 132,099 |  | $ | 127,392 |  | $ | 59,253 |  | $ | 82,858 |  | $ | 76,378 |  | $ | 159,045 |  | $ | 3,464 |  | $ | — |  | $ | 640,489 |
Commercial real estate non-owner occupied:
Risk rating |  |  |  |  |  |  |  |  |
Pass | $ | 621,685 |  | $ | 410,359 |  | $ | 175,456 |  | $ | 333,783 |  | $ | 313,124 |  | $ | 530,322 |  | $ | 17,846 |  | $ | — |  | $ | 2,402,575 |
Special Mention | — |  | — |  | — |  | — |  | 20,000 |  | 18,462 |  | — |  | — |  | 38,462 |
Substandard | — |  | — |  | 7,237 |  | 13,623 |  | 15,610 |  | 18,730 |  | — |  | — |  | 55,200 |
Total | $ | 621,685 |  | $ | 410,359 |  | $ | 182,693 |  | $ | 347,406 |  | $ | 348,734 |  | $ | 567,514 |  | $ | 17,846 |  | $ | — |  | $ | 2,496,237 |
Commercial and industrial:
Risk rating |  |  |  |  |  |  |  |  |
Pass | $ | 282,781 |  | $ | 147,070 |  | $ | 56,880 |  | $ | 67,975 |  | $ | 83,223 |  | $ | 99,367 |  | $ | 648,956 |  | $ | — |  | $ | 1,386,252 |
Special Mention | — |  | 5,811 |  | 1,290 |  | 1,332 |  | 11,502 |  | 912 |  | 2,632 |  | — |  | 23,479 |
Substandard | 204 |  | 496 |  | 3,640 |  | 8,139 |  | 1,981 |  | 2,799 |  | 10,581 |  | — |  | 27,840 |
Doubtful | — |  | — |  | — |  | — |  | — |  | 56 |  | 7,609 |  | — |  | 7,665 |
Total | $ | 282,985 |  | $ | 153,377 |  | $ | 61,810 |  | $ | 77,446 |  | $ | 96,706 |  | $ | 103,134 |  | $ | 669,778 |  | $ | — |  | $ | 1,445,236 |
Residential real estate
Risk rating |  |  |  |  |  |  |  |  |
Pass | $ | 997,981 |  | $ | 280,308 |  | $ | 96,548 |  | $ | 70,845 |  | $ | 138,894 |  | $ | 713,744 |  | $ | 165 |  | $ | — |  | $ | 2,298,485 |
Special Mention | — |  | 364 |  | — |  | 861 |  | 202 |  | 707 |  | — |  | — |  | 2,134 |
Substandard | — |  | 284 |  | 448 |  | 267 |  | 1,857 |  | 8,972 |  | — |  | — |  | 11,828 |
Total | $ | 997,981 |  | $ | 280,956 |  | $ | 96,996 |  | $ | 71,973 |  | $ | 140,953 |  | $ | 723,423 |  | $ | 165 |  | $ | — |  | $ | 2,312,447 |
| 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 December 31, 2022
Home equity: |  |  |  |  |  |  |  |  |
Payment performance |  |  |  |  |  |  |  |  |
Performing | $ | — |  | $ | 114 |  | $ | 454 |  | $ | — |  | $ | — |  | $ | 17 |  | $ | 224,746 |  | $ | — |  | $ | 225,331 |
Nonperforming | — |  | — |  | — |  | — |  | — |  | — |  | 2,119 |  | — |  | 2,119 |
Total | $ | — |  | $ | 114 |  | $ | 454 |  | $ | — |  | $ | — |  | $ | 17 |  | $ | 226,865 |  | $ | — |  | $ | 227,450 |
Consumer other: |  |  |  |  |  |  |  |  |
Payment performance |  |  |  |  |  |  |  |  |
Performing | $ | 161,157 |  | $ | 28,279 |  | $ | 8,312 |  | $ | 12,670 |  | $ | 27,608 |  | $ | 24,682 |  | $ | 9,070 |  | $ | — |  | $ | 271,778 |
Nonperforming | 588 |  | 137 |  | 44 |  | 280 |  | 477 |  | 567 |  | 39 |  | — |  | 2,132 |
Total | $ | 161,745 |  | $ | 28,416 |  | $ | 8,356 |  | $ | 12,950 |  | $ | 28,085 |  | $ | 25,249 |  | $ | 9,109 |  | $ | — |  | $ | 273,910 |
| 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 December 31, 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) |  | December 31, 2022 |  | December 31, 2021
Non-Accrual |  | $ | 31,114 |  |  | $ | 35,326 |
Substandard Accruing |  | 88,665 |  |  | 106,560 |
Total Classified |  | 119,779 |  |  | 141,886 |
Special Mention |  | 68,127 |  |  | 100,071 |
Total Criticized |  | $ | 187,906 |  |  | $ | 241,957 |
Schedule of Past Due Loans | The following is a summary of loans by past due status at December 31, 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
December 31, 2022
Construction |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | 319,452 |  |  | $ | 319,452 |
Commercial multifamily |  | — |  |  | 214 |  |  | — |  |  | 214 |  |  | 619,874 |  |  | 620,088 |
Commercial real estate owner occupied |  | 122 |  |  | — |  |  | 3,302 |  |  | 3,424 |  |  | 637,065 |  |  | 640,489 |
Commercial real estate non-owner occupied |  | 143 |  |  | — |  |  | 191 |  |  | 334 |  |  | 2,495,903 |  |  | 2,496,237 |
Commercial and industrial |  | 1,173 |  |  | 1,438 |  |  | 18,658 |  |  | 21,269 |  |  | 1,423,967 |  |  | 1,445,236 |
Residential real estate |  | 3,694 |  |  | 2,134 |  |  | 11,724 |  |  | 17,552 |  |  | 2,294,895 |  |  | 2,312,447 |
Home equity |  | 168 |  |  | 57 |  |  | 2,119 |  |  | 2,344 |  |  | 225,106 |  |  | 227,450 |
Consumer other |  | 1,990 |  |  | 1,028 |  |  | 2,158 |  |  | 5,176 |  |  | 268,734 |  |  | 273,910 |
Total |  | $ | 7,290 |  |  | $ | 4,871 |  |  | $ | 38,152 |  |  | $ | 50,313 |  |  | $ | 8,284,996 |  |  | $ | 8,335,309 |
(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 |
Schedule of Information Pertaining to Non-accrual Loans | The following is a summary of loans on nonaccrual status and loans past due 90 days or more and still accruing as of December 31, 2022 and December 31, 2021:
|  |  |  | December 31, 2022
(In thousands) |  |  |  | Nonaccrual Amortized Cost |  | Nonaccrual With No Related Allowance |  | Past Due 90 Days or Greater and Accruing |  | Interest Income Recognized on Nonaccrual
Construction |  |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |
Commercial multifamily |  |  |  | — |  |  | — |  |  | — |  |  | — |
Commercial real estate owner occupied |  |  |  | 2,202 |  |  | 1,411 |  |  | 1,100 |  |  | — |
Commercial real estate non-owner occupied |  |  |  | 191 |  |  | 73 |  |  | — |  |  | — |
Commercial and industrial |  |  |  | 16,992 |  |  | 14,223 |  |  | 1,666 |  |  | — |
Residential real estate |  |  |  | 8,901 |  |  | 5,307 |  |  | 2,823 |  |  | — |
Home equity |  |  |  | 1,568 |  |  | 388 |  |  | 551 |  |  | — |
Consumer other |  |  |  | 1,260 |  |  | 2 |  |  | 898 |  |  | — |
Total |  |  |  | $ | 31,114 |  |  | $ | 21,404 |  |  | $ | 7,038 |  |  | $ | — |
|  |  |  | 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
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
December 31, 2022 |  |  |  |  |  |  |  |  |  |
Construction |  | $ | — |  |  |  |  | $ | — |  |  |  |  | $ | — |
Commercial multifamily |  | — |  |  |  |  | — |  |  |  |  | — |
Commercial real estate owner occupied |  | 2,793 |  |  |  |  | — |  |  |  |  | — |
Commercial real estate non-owner occupied |  | 384 |  |  |  |  | — |  |  |  |  | — |
Commercial and industrial |  | 288 |  |  |  |  | — |  |  |  |  | 16,931 |
Residential real estate |  | 3,910 |  |  |  |  | — |  |  |  |  | — |
Home equity |  | 501 |  |  |  |  | — |  |  |  |  | — |
Consumer other |  | 2 |  |  |  |  | — |  |  |  |  | — |
Total loans |  | $ | 7,878 |  |  |  |  | $ | — |  |  |  |  | $ | 16,931 |
|  | Type of Collateral
(In thousands) |  | Real Estate |  |  |  | Investment Securities/Cash |  |  |  | Other
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 TDR Activity | The following table presents loans modified as TDRs that occurred during the years ended December 31, 2022, 2021, and 2020:
(dollars in thousands) |  | Total
Year ended December 31, 2022 |  |
TDR: |  |
Number of loans |  | 93 |
Pre-modification outstanding recorded investment |  | $ | 4,944 |
Post-modification outstanding recorded investment |  | $ | 4,944 |
Year ended December 31, 2021 |  |
TDR: |  |
Number of loans |  | 18 |
Pre-modification outstanding recorded investment |  | $ | 26,759 |
Post-modification outstanding recorded investment |  | $ | 26,759 |
Year ended December 31, 2020 |  |
TDR: |  |
Number of loans |  | 16 |
Pre-modification outstanding recorded investment |  | $ | 12,197 |
Post-modification outstanding recorded investment |  | $ | 12,197 |
Schedule of Recorded Investment and Number of Modifications for TDRs Identified During the Period | The following table presents activity in TDRs for the years ended December 31, 2022 and December 31, 2021:
(In thousands) |  | Balance at Beginning of Period |  | Principal Payments |  | TDR Status Change |  | Other Additions/(Reductions) |  | Newly Identified TDRs |  | Balance at End of Period
Year ended December 31, 2022
Construction |  | $ | 9,429 |  |  | $ | — |  |  | $ | — |  |  | $ | (9,429) |  |  | $ | — |  |  | $ | — |
Commercial multifamily |  | 703 |  |  | (41) |  |  | — |  |  | (174) |  |  | — |  |  | 488 |
Commercial real estate owner occupied |  | 2,733 |  |  | (75) |  |  | — |  |  | (69) |  |  | — |  |  | 2,589 |
Commercial real estate non-owner occupied |  | 9,310 |  |  | (33) |  |  | — |  |  | (8,311) |  |  | — |  |  | 966 |
Commercial and industrial |  | 3,656 |  |  | (895) |  |  | — |  |  | (359) |  |  | 3,245 |  |  | 5,647 |
Residential real estate |  | 1,117 |  |  | (81) |  |  | — |  |  | (67) |  |  | — |  |  | 969 |
Home equity |  | 121 |  |  | (81) |  |  | — |  |  | — |  |  | 50 |  |  | 90 |
Consumer other |  | 33 |  |  | (15) |  |  | — |  |  | (56) |  |  | 1,649 |  |  | 1,611 |
Total |  | $ | 27,102 |  |  | $ | (1,221) |  |  | $ | — |  |  | $ | (18,465) |  |  | $ | 4,944 |  |  | $ | 12,360 |
(In thousands) |  | Balance at Beginning of Period |  | Principal Payments |  | TDR Status Change |  | Other Additions/(Reductions) |  | Newly Identified TDRs |  | Balance at End of Period
Year ended December 31, 2021
Construction |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | 9,429 |  |  | $ | 9,429 |
Commercial multifamily |  | 754 |  |  | (51) |  |  | — |  |  | — |  |  | — |  |  | 703 |
Commercial real estate owner occupied |  | 1,731 |  |  | (96) |  |  | — |  |  | (168) |  |  | 1,266 |  |  | 2,733 |
Commercial real estate non-owner occupied |  | 13,684 |  |  | (14,562) |  |  | — |  |  | (791) |  |  | 10,979 |  |  | 9,310 |
Commercial and industrial |  | 2,686 |  |  | (3,916) |  |  | — |  |  | (199) |  |  | 5,085 |  |  | 3,656 |
Residential real estate |  | 1,524 |  |  | (233) |  |  | — |  |  | (174) |  |  | — |  |  | 1,117 |
Home equity |  | 133 |  |  | (12) |  |  | — |  |  | — |  |  | — |  |  | 121 |
Consumer other |  | 36 |  |  | (8) |  |  | — |  |  | 5 |  |  | — |  |  | 33 |
Total |  | $ | 20,548 |  |  | $ | (18,878) |  |  | $ | — |  |  | $ | (1,327) |  |  | $ | 26,759 |  |  | $ | 27,102 |
The following table discloses the modifications for TDRs where a concession has been made within the previous 12 months, that then defaulted in the respective reporting period. For the years ended 2022, there were two loans restructured that had subsequently defaulted during the reporting period. For the year ended 2021, there were four loans restructured that had subsequently defaulted during the reporting period. There were no TDRs for which there was a payment default within twelve months following the modification during the year ended 2020.
(dollars in thousands) |  | Number of Loans |  | Recorded Investment
Year ended December 31, 2022 |  |  |  |
Commercial and industrial |  | 1 |  |  | $ | 105 |
Consumer other |  | 1 |  |  | $ | 10 |
Total |  | 2 |  |  | $ | 115 |
(dollars in thousands) |  | Number of Loans |  | Recorded Investment
Year ended December 31, 2021 |  |  |  |
Commercial real estate non-owner occupied |  | 2 |  |  | $ | 18,746 |
Commercial and industrial |  | 2 |  |  | $ | 71 |
Total |  | 4 |  |  | $ | 18,817 |

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