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Loans (Tables)

3 Months Ended

Mar. 31, 2021

Loans [Abstract]

Composition of Loan Portfolio

		March 31, 2021									December 31, 2020
		Non-PCD			PCD			Total			Non-PCD			PCD			Total
		(In thousands)									(In thousands)
Commercial loans:
Commercial secured by real estate		$	825,735		$	233,161		$	1,058,896		$	807,284		$	243,229		$	1,050,513
Other commercial and industrial			620,184			39,632			659,816			647,444			39,931			687,375
Commercial Paycheck Protection Program (PPP Loans)			311,823			-			311,823			289,218			-			289,218
US Loan Program			381,183			-			381,183			374,904			-			374,904
			2,138,925			272,793			2,411,718			2,118,850			283,160			2,402,010
Mortgage			791,062			1,406,044			2,197,106			823,443			1,459,932			2,283,375
Consumer:
Personal loans			301,204			814			302,018			313,257			1,043			314,300
Credit lines			41,600			306			41,906			43,805			351			44,156
Credit cards			52,066			-			52,066			56,185			-			56,185
Overdraft			203			-			203			305			-			305
Auto			1,565,473			23,036			1,588,509			1,534,269			27,533			1,561,802
			1,960,546			24,156			1,984,702			1,947,821			28,927			1,976,748
			4,890,533			1,702,993			6,593,526			4,890,114			1,772,019			6,662,133
Allowance for credit losses			(156,978)			(44,995)			(201,973)			(161,015)			(43,794)			(204,809)
Total loans held for investment			4,733,555			1,657,998			6,391,553			4,729,099			1,728,225			6,457,324
Mortgage loans held for sale			38,220			-			38,220			41,654			-			41,654
Other loans held for sale			2,306			-			2,306			2,281			-			2,281
Total loans held for sale			40,526			-			40,526			43,935			-			43,935
Total loans, net		$	4,774,081		$	1,657,998		$	6,432,079		$	4,773,034		$	1,728,225		$	6,501,259

Aging of Recorded Investment in Gross Loans

	March 31, 2021
																			Loans 90+
																			Days Past
																			Due and
	30-59 Days			60-89 Days			90+ Days			Total Past									Still
	Past Due			Past Due			Past Due			Due			Current			Total Loans			Accruing
	(In thousands)
Commercial
Commercial secured by real estate	$	1,065		$	1,250		$	17,248		$	19,563		$	806,172		$	825,735		$	-
Other commercial and industrial		800			796			4,907			6,503			925,504			932,007			-
US Loan Program		-			-			-			-			381,183			381,183			-
		1,865			2,046			22,155			26,066			2,112,859			2,138,925			-
Mortgage		7,985			9,363			86,253			103,601			687,461			791,062			3,579
Consumer
Personal loans		3,699			1,760			1,372			6,831			294,373			301,204			-
Credit lines		779			523			575			1,877			39,723			41,600			-
Credit cards		1,006			430			844			2,280			49,786			52,066			-
Overdraft		53			-			-			53			150			203			-
Auto		51,821			23,628			11,468			86,917			1,478,556			1,565,473			-
		57,358			26,341			14,259			97,958			1,862,588			1,960,546			-
Total loans	$	67,208		$	37,750		$	122,667		$	227,625		$	4,662,908		$	4,890,533		$	3,579

	December 31, 2020
																			Loans 90+
																			Days Past
																			Due and
	30-59 Days			60-89 Days			90+ Days			Total Past									Still
	Past Due			Past Due			Past Due			Due			Current			Total Loans			Accruing
	(In thousands)
Commercial
Commercial secured by real estate	$	2,781		$	750		$	17,862		$	21,393		$	785,891		$	807,284		$	-
Other commercial and industrial		1,674			234			4,695			6,603			930,059			936,662			-
US Loan Program		2,604			-			-			2,604			372,300			374,904			-
		7,059			984			22,557			30,600			2,088,250			2,118,850			-
Mortgage		7,385			14,953			101,528			123,866			699,577			823,443			3,974
Consumer
Personal loans		4,784			2,515			2,062			9,361			303,896			313,257			-
Credit lines		2,136			476			1,269			3,881			39,924			43,805			-
Credit cards		1,357			824			1,585			3,766			52,419			56,185			-
Overdraft		138			-			-			138			167			305			-
Auto		57,176			31,181			20,485			108,842			1,425,427			1,534,269			-
		65,591			34,996			25,401			125,988			1,821,833			1,947,821			-
Total loans	$	80,035		$	50,933		$	149,486		$	280,454		$	4,609,660		$	4,890,114		$	3,974

Investment in Loans on Non-Accrual Status

	March 31, 2021									December 31, 2020
	Nonaccrual with			Nonaccrual with no						Nonaccrual with			Nonaccrual with no
	Allowance			Allowance						Allowance			Allowance
	for Credit Loss			for Credit Loss			Total			for Credit Loss			for Credit Loss			Total
	(In thousands)									(In thousands)
Non-PCD:
Commercial
Commercial secured by real estate	$	17,019		$	19,915		$	36,934		$	15,225		$	21,462		$	36,687
Other commercial and industrial		2,701			3,141			5,842			2,138			3,174			5,312
		19,720			23,056			42,776			17,363			24,636			41,999
Mortgage		24,128			18,356			42,484			24,920			17,747			42,667
Consumer
Personal loans		1,132			315			1,447			1,752			377			2,129
Personal lines of credit		609			-			609			1,272			-			1,272
Credit cards		845			-			845			1,586			-			1,586
Auto and leasing		11,842			-			11,842			20,766			-			20,766
		14,428			315			14,743			25,376			377			25,753
Total non-accrual loans	$	58,276		$	41,727		$	100,003		$	67,659		$	42,760		$	110,419
PCD:
Commercial
Commercial secured by real estate	$	29,795		$	4,010		$	33,805		$	31,338		$	4,031		$	35,369
Other commercial and industrial		1,102			-			1,102			1,102			-			1,102
		30,897			4,010			34,907			32,440			4,031			36,471
Mortgage		957			-			957			1,003			-			1,003
Consumer
Personal loans		-			-			-			1			-			1
		-			-			-			1			-			1
Total non-accrual loans	$	31,854		$	4,010		$	35,864		$	33,444		$	4,031		$	37,475
	$	90,130		$	45,737		$	135,867		$	101,103		$	46,791		$	147,894

Troubled-Debt Restructuring Loan Portfolio

	March 31, 2021
										Related
	Accruing			Non-accruing			Total			Allowance
	(In thousands)
Commercial
Commercial secured by real estate	$	9,911		$	16,279		$	26,190		$	201
US loan program		7,157		$	-		$	7,157		$	252
Other commercial and industrial		3,741			363			4,104			104
		20,809			16,642			37,451			557
Mortgage		93,930			11,378			105,308			4,578
Consumer
Personal loans		4,436		$	91			4,527			237
Auto and leasing		300		$	67			367			21
		4,736			158			4,894			258
Total loans	$	119,475		$	28,178		$	147,653		$	5,393

	December 31, 2020
										Related
	Accruing			Non-accruing			Total			Allowance
	(In thousands)
Commercial
Commercial secured by real estate	$	5,319		$	16,609		$	21,928		$	72
US loan program		7,157			-			7,157			345
Other commercial and industrial		3,872			375			4,247			59
		16,348			16,984			33,332			476
Mortgage		87,539			11,202			98,741			4,882
Consumer
Personal loans		4,944			67			5,011			257
Auto and leasing		331			44			375			23
		5,275			111			5,386			280
Total loans	$	109,162		$	28,297		$	137,459		$	5,638

TDR Pre/Post Modifications And Rolling Twelve Months

	Quarter Ended March 31, 2021
	Number of contracts		Pre-Modification Outstanding Recorded Investment			Pre-Modification Weighted Average Rate		Pre-Modification Weighted Average Term (in Months)		Post-Modification Outstanding Recorded Investment			Post-Modification Weighted Average Rate		Post-Modification Weighted Average Term (in Months)
	(Dollars in thousands)
Mortgage	26		$	3,557		3.99%		300		$	3,580		3.61%		333
Commercial	2			185		7.21%		58			204		6.80%		58
Consumer	2			16		11.76%		54			17		9.93%		63
Auto	5			82		6.81%		66			82		9.81%		36

	Quarter Ended March 31, 2020
	Number of contracts		Pre-Modification Outstanding Recorded Investment			Pre-Modification Weighted Average Rate		Pre-Modification Weighted Average Term (in Months)		Post-Modification Outstanding Recorded Investment			Post-Modification Weighted Average Rate		Post-Modification Weighted Average Term (in Months)
	(Dollars in thousands)
Mortgage	26		$	3,093		5.14%		359		$	3,046		4.29%		360
Commercial	1			281		8.00%		105			281		6.00%		240
Consumer	15			199		13.70%		67			204		11.05%		82
Auto	1			14		18.95%		60			17		13.95%		84

	Twelve month period ended March 31,
	2021						2020
	Number of Contracts		Recorded Investment				Number of Contracts		Recorded Investment
	(Dollars in thousands)
Mortgage	13		$	1,507			26		$	3,037
Consumer	-		$	-			107		$	1,543
Auto	10		$	57			-		$	-

Aging of the Amortized Cost of Collateral-Dependent Loans Held For Investment

	March 31, 2021			December 31, 2020
	(In thousands)
Commercial loans:
Commercial secured by real estate	$	27,737		$	29,279

Credit Quality Indicators of Loans

	Term Loans																		Revolving
	Amortized Cost Basis by Origination Year																		Loans
																			Amortized
	2021			2020			2019			2018			2017			Prior			Cost Basis			Total
	(In thousands)
Commercial:
Commercial secured by real estate:
Loan grade:
Pass	$	29,153		$	126,942		$	100,998		$	91,870		$	81,103		$	214,032		$	32,247		$	676,345
Special Mention		683			10,535			49,923			23,023			10,420			12,092			941			107,617
Substandard		873			492			132			944			8,869			22,266			8,170			41,746
Doubtful		-			-			-			-			-			27			-			27
Loss		-			-			-			-			-			-			-			-
Total commercial secured by real estate		30,709			137,969			151,053			115,837			100,392			248,417			41,358			825,735
Other commercial and industrial:
Loan grade:
Pass		134,725			285,991			57,689			71,665			13,104			15,498			291,380			870,052
Special Mention		403			97			8,257			19,701			20			-			27,404			55,882
Substandard		718			23			58			503			135			2,885			1,689			6,011
Doubtful		-			-			-			-			-			-			62			62
Loss		-			-			-			-			-			-			-			-
Total other commercial and industrial:		135,846			286,111			66,004			91,869			13,259			18,383			320,535			932,007
US Loan Program:
Loan grade:
Pass		25,365			63,707			64,054			77,425			1,174			-			88,957			320,682
Special Mention		63			-			1,499			33,024			-			-			1,250			35,836
Substandard		-			7,157			-			17,508			-			-			-			24,665
Doubtful		-			-			-			-			-			-			-			-
Loss		-			-			-			-			-			-			-			-
Total US loan program:		25,428			70,864			65,553			127,957			1,174			-			90,207			381,183
Total commercial loans	$	191,983		$	494,944		$	282,610		$	335,663		$	114,825		$	266,800		$	452,100		$	2,138,925

	Term Loans
	Amortized Cost Basis by Origination Year																		Revolving
																			Loans
																			Amortized
	2020			2019			2018			2017			2016			Prior			Cost Basis			Total
	(In thousands)
Commercial
Commercial secured by real estate:
Loan grade:
Pass	$	113,474		$	105,156		$	106,283		$	81,338		$	44,008		$	187,189		$	30,686			$	668,134
Special Mention		10,592			20,605			5,233			11,771			8,514			3,090			37,680				97,485
Substandard		183			63			758			8,923			584			23,746			7,331				41,588
Doubtful		-			-			-			-			-			77			-				77
Total commercial secured by real estate		124,249			125,824			112,274			102,032			53,106			214,102			75,697				807,284
Other commercial and industrial:
Loan grade:
Pass		384,901			84,433			75,023			14,502			8,326			7,922			300,429				875,536
Special Mention		151			8,242			19,626			-			-			3,337			23,732				55,088
Substandard		207			66			486			164			2,809			119			2,122				5,973
Doubtful		-			-			-			-			-			-			65				65
Total other commercial and industrial:		385,259			92,741			95,135			14,666			11,135			11,378			326,348				936,662
US Loan Program:
Loan grade:
Pass		68,688			62,264			77,762			7,124			-			-			98,324				314,162
Special Mention		-			1,501			33,282			-			-			-			1,250				36,033
Substandard		7,156			-			17,553			-			-			-			-				24,709
Total US loan program		75,844			63,765			128,597			7,124			-			-			99,574				374,904
Total Commercial	$	585,352		$	282,330		$	336,006		$	123,822		$	64,241		$	225,480		$	501,619			$	2,118,850

																						Revolving Loans
	Term Loans																		Revolving			Converted to
	Amortized Cost Basis by Origination Year																		Loans			Term Loans
																			Amortized			Amortized
	2021			2020			2019			2018			2017			Prior			Cost Basis			Cost Basis			Total
	(In thousands)
Mortgage:
Payment performance:
Performing	$	1,401		$	15,224		$	19,075		$	25,374		$	31,350		$	647,705		$	-		$	-		$	740,129
Nonperforming		-			292			848			576			1,239			47,978			-			-			50,933
Total mortgage loans:		1,401			15,516			19,923			25,950			32,589			695,683			-			-			791,062
Consumer:
Personal loans:
Payment performance:
Performing		26,562			80,435			102,397			50,340			24,050			15,975			-			-			299,759
Nonperforming		41			287			297			311			105			404			-			-			1,445
Total personal loans		26,603			80,722			102,694			50,651			24,155			16,379			-			-			301,204
Credit lines:
Payment performance:
Performing		-			-			-			-			-			-			40,991			-			40,991
Nonperforming		-			-			-			-			-			-			609			-			609
Total credit lines		-			-			-			-			-			-			41,600			-			41,600
Credit cards:
Payment performance:
Performing		-			-			-			-			-			-			51,221			-			51,221
Nonperforming		-			-			-			-			-			-			845			-			845
Total credit cards		-			-			-			-			-			-			52,066			-			52,066
Overdrafts:
Payment performance:
Performing		-			-			-			-			-			-			203			-			203
Nonperforming		-			-			-			-			-			-			-			-			-
Total overdrafts		-			-			-			-			-			-			203			-			203
Total consumer loans		26,603			80,722			102,694			50,651			24,155			16,379			93,869			-			395,073
Total mortgage and consumer loans	$	28,004		$	96,238		$	122,617		$	76,601		$	56,744		$	712,062		$	93,869		$	-		$	1,186,135

																						Revolving Loans
	Term Loans																		Revolving			Converted to
	Amortized Cost Basis by Origination Year																		Loans			Term Loans
																			Amortized			Amortized
	2020			2019			2018			2017			2016			Prior			Cost Basis			Cost Basis			Total
	(In thousands)
Mortgage:
Payment performance:
Performing	$	14,842		$	20,516		$	27,359		$	33,088		$	38,637		$	642,045		$	-		$	-		$	776,487
Nonperforming		-			347			722			894			950			44,043			-			-			46,956
Total mortgage loans:		14,842			20,863			28,081			33,982			39,587			686,088			-			-			823,443
Consumer:
Personal loans:
Payment performance:
Performing		88,653			115,295			58,009			28,424			13,565			7,181			-			-			311,127
Nonperforming		201			591			492			318			134			394			-			-			2,130
Total personal loans		88,854			115,886			58,501			28,742			13,699			7,575			-			-			313,257
Credit lines:
Payment performance:
Performing		-			-			-			-			-			-			42,531			-			42,531
Nonperforming		-			-			-			-			-			-			1,274			-			1,274
Total credit lines		-			-			-			-			-			-			43,805			-			43,805
Credit cards:
Payment performance:
Performing		-			-			-			-			-			-			54,599			-			54,599
Nonperforming		-			-			-			-			-			-			1,586			-			1,586
Total credit cards		-			-			-			-			-			-			56,185			-			56,185
Overdrafts:
Payment performance:
Performing		-			-			-			-			-			-			305			-			305
Nonperforming		-			-			-			-			-			-			-			-			-
Total overdrafts		-			-			-			-			-			-			305			-			305
Total consumer loans		88,854			115,886			58,501			28,742			13,699			7,575			100,295			-			413,552
Total mortgage and consumer loans	$	103,696		$	136,749		$	86,582		$	62,724		$	53,286		$	693,663		$	100,295		$	-		$	1,236,995

	Term Loans
	Amortized Cost Basis by Origination Year
	As of March 31, 2021
	2021			2020			2019			2018			2017			Prior			Total
	(In thousands)
Auto:
FICO score:
1-660		29,952			122,644			107,378			93,079			54,146			45,453			452,652
661-699		22,478			90,880			64,106			43,649			22,486			20,131			263,730
700+		49,001			186,997			216,481			164,041			83,684			68,988			769,192
No FICO		10,010			20,124			22,078			13,465			7,616			6,606			79,899
Total auto:	$	111,441		$	420,645		$	410,043		$	314,234		$	167,932		$	141,178		$	1,565,473
	Term Loans
	Amortized Cost Basis by Origination Year
	As of December 31, 2020
	2020			2019			2018			2017			2016			Prior			Total
	(In thousands)
Auto:
FICO score:
1-660		121,878			112,476			97,725			56,935			30,307			22,360			441,681
661-699		84,673			68,698			44,633			23,308			13,571			9,031			243,914
700+		173,834			214,287			164,205			85,743			45,947			32,177			716,193
No FICO		21,512			42,597			33,305			18,127			9,656			7,284			132,481
Total auto:	$	401,897		$	438,058		$	339,868		$	184,113		$	99,481		$	70,852		$	1,534,269

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Schedule Of Aging Of The Amortizated Cost Of Collateral-Dependent Loans Held For Investment [Table Text Block]

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Troubled-Debt Restructuring Loan Portfolio [Table Text Block]

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X

- Definition

Tabular disclosure of financing receivables by credit quality indicator. The credit quality indicator is a statistic about the credit quality of financing receivables. Examples include, but not limited to, consumer credit risk scores, credit-rating-agency ratings, an entity's internal credit risk grades, loan-to-value ratios, collateral, collection experience and other internal metrics.

+ References

Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 326
-SubTopic 20
-Section 50
-Paragraph 5
-URI http://asc.fasb.org/extlink&oid=121599337&loc=SL82919230-210447

Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 310
-SubTopic 10
-Section 50
-Paragraph 29
-URI http://asc.fasb.org/extlink&oid=121611835&loc=SL6953659-111524

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X

- Definition

Tabular disclosure of aging analysis for financing receivable.

+ References

Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 326
-SubTopic 20
-Section 50
-Paragraph 14
-URI http://asc.fasb.org/extlink&oid=121599337&loc=SL82919253-210447

Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 310
-SubTopic 10
-Section 50
-Paragraph 7A
-URI http://asc.fasb.org/extlink&oid=121611835&loc=SL6953401-111524

Reference 3: http://www.xbrl.org/2003/role/exampleRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 326
-SubTopic 20
-Section 55
-Paragraph 80
-URI http://asc.fasb.org/extlink&oid=121647567&loc=SL82922355-210448

Reference 4: http://fasb.org/us-gaap/role/ref/legacyRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 310
-SubTopic 10
-Section 50
-Paragraph 7
-URI http://asc.fasb.org/extlink&oid=121611835&loc=d3e5111-111524

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X

- References

No definition available.

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X

- Definition

Tabular disclosure of the various types of trade accounts and notes receivable and for each the gross carrying value, allowance, and net carrying value as of the balance sheet date. Presentation is categorized by current, noncurrent and unclassified receivables.

+ References

Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 210
-SubTopic 10
-Section S99
-Paragraph 1
-Subparagraph (SX 210.5-02.3,4)
-URI http://asc.fasb.org/extlink&oid=120391452&loc=d3e13212-122682

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- Definition

Tabular disclosure of financing receivable on nonaccrual status.

+ References

Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 310
-SubTopic 10
-Section 50
-Paragraph 7
-URI http://asc.fasb.org/extlink&oid=121611835&loc=d3e5111-111524

Reference 2: http://www.xbrl.org/2003/role/disclosureRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 326
-SubTopic 20
-Section 50
-Paragraph 16
-URI http://asc.fasb.org/extlink&oid=121599337&loc=SL82919258-210447

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X

- Definition

Tabular disclosure of financing receivable modified as troubled debt restructuring.

+ References

Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 310
-SubTopic 10
-Section 50
-Paragraph 33
-URI http://asc.fasb.org/extlink&oid=121611835&loc=SL6953676-111524

Reference 2: http://www.xbrl.org/2009/role/commonPracticeRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 310
-SubTopic 10
-Section 50
-Paragraph 34
-URI http://asc.fasb.org/extlink&oid=121611835&loc=SL6953682-111524

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