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LOANS (Tables)

9 Months Ended

Sep. 30, 2023

Receivables [Abstract]

Schedule of Loan Portfolio

The composition of the amortized cost basis of OFG’s loan portfolio at September 30, 2023 and December 31, 2022 was as follows:

			September 30, 2023																		December 31, 2022
			Non-PCD						PCD						Total						Non-PCD						PCD						Total
			(In thousands)
Commercial loans:
Commercial secured by real estate			$	1,001,062					$	125,635					$	1,126,697					$	974,202					$	138,678					$	1,112,880
Other commercial and industrial			984,473						14,222						998,695						854,442						20,474						874,916
US commercial loans			707,593						—						707,593						642,133						—						642,133
			2,693,128						139,857						2,832,985						2,470,777						159,152						2,629,929
Mortgage			648,414						955,596						1,604,010						675,793						1,028,428						1,704,221
Consumer:
Personal loans			561,185						284						561,469						480,620						338						480,958
Credit lines			11,169						288						11,457						12,826						300						13,126
Credit cards			40,030						—						40,030						42,872						—						42,872
Overdraft			239						—						239						301						—						301
			612,623						572						613,195						536,619						638						537,257
Auto			2,208,993						2,552						2,211,545						1,958,257						5,658						1,963,915
			6,163,158						1,098,577						7,261,735						5,641,446						1,193,876						6,835,322
Allowance for credit losses			(148,210)						(9,319)						(157,529)						(141,841)						(10,832)						(152,673)
Total loans held for investment, net			6,014,948						1,089,258						7,104,206						5,499,605						1,183,044						6,682,649
Mortgage loans held for sale			564						—						564						19,499						—						19,499
Other loans held for sale			25,282						—						25,282						21,088						—						21,088
Total loans held for sale			25,846						—						25,846						40,587						—						40,587
Total loans, net			$	6,040,794					$	1,089,258					$	7,130,052					$	5,540,192					$	1,183,044					$	6,723,236

Schedule of Aging of Recorded Investment in Gross Loans

			September 30, 2023
			30-59 Days Past Due						60-89 Days Past Due						90+ Days Past Due						Total Past Due						Current						Total Loans						Loans 90+ Days Past Due and Still Accruing
			(In thousands)
Commercial loans:
Commercial secured by real estate			$	1,581					$	759					$	4,159					$	6,499					$	994,563					$	1,001,062					$	—
Other commercial and industrial			2,657						337						5,284						8,278						976,195						984,473						—
US commercial loans			332						—						—						332						707,261						707,593						—
			4,570						1,096						9,443						15,109						2,678,019						2,693,128						—
Mortgage			5,539						8,841						34,508						48,888						599,526						648,414						2,899
Consumer:
Personal loans			5,891						3,171						2,626						11,688						549,497						561,185						—
Credit lines			54						126						71						251						10,918						11,169						—
Credit cards			608						265						565						1,438						38,592						40,030						—
Overdraft			45						—						—						45						194						239						—
			6,598						3,562						3,262						13,422						599,201						612,623						—
Auto			97,901						41,377						16,301						155,579						2,053,414						2,208,993						—
Total loans			$	114,608					$	54,876					$	63,514					$	232,998					$	5,930,160					$	6,163,158					$	2,899

			December 31, 2022
			30-59 Day Past Due						60-89 Days Past Due						90+ Days Past Due						Total Past Due						Current						Total Loans						Loans 90+ Days Past Due and Still Accruing
			(In thousands)
Commercial loans:
Commercial secured by real estate			$	923					$	164					$	6,147					$	7,234					$	966,968					$	974,202					$	—
Other commercial and industrial			943						720						3,225						4,888						849,554						854,442						—
US commercial loans			—						—						—						—						642,133						642,133						—
			1,866						884						9,372						12,122						2,458,655						2,470,777						—
Mortgage			9,267						5,848						56,714						71,829						603,964						675,793						3,856
Consumer:
Personal loans			4,263						2,669						2,314						9,246						471,374						480,620						—
Credit lines			500						154						117						771						12,055						12,826						—
Credit cards			730						486						682						1,898						40,974						42,872						—
Overdraft			91						2						—						93						208						301						—
			5,584						3,311						3,113						12,008						524,611						536,619						—
Auto			75,237						36,954						19,613						131,804						1,826,453						1,958,257						—
Total loans			$	91,954					$	46,997					$	88,812					$	227,763					$	5,413,683					$	5,641,446					$	3,856

Schedule of Investment in Loans on Non-Accrual Status

The following table presents the amortized cost basis of loans held for investment on nonaccrual status as of September 30, 2023 and December 31, 2022:

			September 30, 2023																		December 31, 2022
			Non-accrual with Allowance for Credit Loss						Non-accrual with no Allowance for Credit Loss						Total						Non-accrual with Allowance for Credit Loss						Non-accrual with no Allowance for Credit Loss						Total
			(In thousands)																		(In thousands)
Non-PCD:
Commercial loans:
Commercial secured by real estate			$	3,150					$	7,971					$	11,121					$	4,091					$	17,098					$	21,189
Other commercial and industrial			4,790						859						5,649						2,769						885						3,654
US commercial loans			19,879						—						19,879						9,589						—						9,589
			27,819						8,830						36,649						16,449						17,983						34,432
Mortgage			12,013						5,379						17,392						11,719						11,522						23,241
Consumer:
Personal loans			2,718						4						2,722						1,950						379						2,329
Personal lines of credit			71						—						71						116						—						116
Credit cards			566						—						566						683						—						683
			3,355						4						3,359						2,749						379						3,128
Auto			16,296						5						16,301						19,612						1						19,613
Total			$	59,483					$	14,218					$	73,701					$	50,529					$	29,885					$	80,414
PCD:
Commercial loans:
Commercial secured by real estate			$	3,089					$	2,533					$	5,622					$	2,807					$	6,084					$	8,891
Other commercial and industrial			—						1,066						1,066						—						36						36
			3,089						3,599						6,688						2,807						6,120						8,927
Mortgage			253						—						253						259						—						259
Consumer:
Personal loans			7						—						7						—						—						—
			7						—						7						—						—						—
Total			$	3,349					$	3,599					$	6,948					$	3,066					$	6,120					$	9,186
Total non-accrual loans			$	62,832					$	17,817					$	80,649					$	53,595					$	36,005					$	89,600

Schedule of Troubled Debt Restructurings

The following tables present the amortized cost basis as of September 30, 2023 of loans held for investment that were modified during the quarter and nine-month period ended September 30, 2023, disaggregated by class of financing receivable and type of concession granted.

			Interest Rate Reduction
			Quarter Ended September 30, 2023												Nine-Month Period Ended September 30, 2023
			Amortized Cost Basis  (In thousands)						% of Total Class of Financing Receivable						Amortized Cost Basis  (In thousands)						% of Total Class of Financing Receivable
Commercial loans:
US commercial loans			6,824						0.96		%				6,824						0.96		%
Consumer:
Personal loans			40						0.01		%				40						0.01		%
Auto			30						—		%				30						—		%
Total			$	6,894											$	6,894

			Term Extension
			Quarter Ended September 30, 2023												Nine-Month Period Ended September 30, 2023
			Amortized Cost Basis  (In thousands)						% of Total Class of Financing Receivable						Amortized Cost Basis (In thousands)						% of Total Class of Financing Receivable
Commercial loans:
Commercial secured by real estate			$	629					0.06		%				$	6,328					0.56		%
Other commercial and industrial			36						0.00		%				80						0.01		%
			665						0.02		%				6,408						0.23		%
Mortgage			771						0.05		%				5,040						0.31		%
Total			$	1,436											$	11,448

			Principal Forbearance/Forgiveness
			Quarter Ended September 30, 2023												Nine-Month Period Ended September 30, 2023
			Amortized Cost Basis (In thousands)						% of Total Class of Financing Receivable						Amortized Cost Basis (In thousands)						% of Total Class of Financing Receivable
Mortgage			$	—					—		%				$	98					0.01		%

			Combination - Term Extension and Interest Rate Reduction
			Quarter Ended September 30, 2023												Nine-Month Period Ended September 30, 2023
			Amortized Cost Basis (In thousands)						% of Total Class of Financing Receivable						Amortized Cost Basis (In thousands)						% of Total Class of Financing Receivable
Mortgage			117						0.01		%				$	723					0.05		%
Consumer:
Personal loans			—						—		%				82						0.01		%
Total			$	117											$	805

			Combination - Term Extension and Principal Forgiveness/Forbearance
			Quarter Ended September 30, 2023												Nine-Month Period Ended September 30, 2023
			Amortized Cost Basis (In thousands)						% of Total Class of Financing Receivable						Amortized Cost Basis (In thousands)						% of Total Class of Financing Receivable
Commercial loans:
US commercial loans			$	—					—		%				$	4,286					0.61		%
Mortgage			—						—		%				447						0.03		%
Total			$	—											$	4,733

The following table presents the financial effect of the modifications granted to borrowers experiencing financial difficulty during the quarter and nine-month period ended September 30, 2023. The financial effect of the combined modifications is presented separately by type of modification.

			Quarter Ended September 30, 2023
			Weighted-Average Interest Rate Reduction						Weighted-Average Term Extension (In months)						Weighted-Average Forgiveness/Forbearance of Principal Amount (In thousands)
Commercial loans:
Commercial loans secured by real estate			—		%				14						$	—
US Commercial loans			1.95		%				0						—
			—		%				14						$	—
Mortgage			1.25		%				349						$	—
Consumer:
Personal loans			4.00		%				0						$	—
Auto			3.00		%				0						$	—

			Nine-Month Period Ended September 30, 2023
			Weighted-Average Interest Rate Reduction						Weighted-Average Term Extension (In months)						Weighted-Average Forgiveness/Forbearance of Principal Amount (In thousands)
Commercial loans:
Commercial loans secured by real estate			—		%				23						$	—
US Commercial loans			1.95		%				31						2,973
			—		%				54						$	2,973
Mortgage			1.94		%				227						$	24
Consumer:
Personal loans			2.98		%				81						$	—
Auto			3.00		%				0						$	—

The following table presents the troubled-debt restructurings in all loan portfolios as of December 31, 2022:

									December 31, 2022
																											Accruing						Non-accruing						Total						Related Allowance
									(In thousands)
Commercial loans:
Commercial secured by real estate																											$	31,437					$	13,187					$	44,624					$	181
Other commercial and industrial																											2,272						354						2,626						42
US commercial loans																											7,132						—						7,132						89
																											40,841						13,541						54,382						312
Mortgage																											102,387						6,773						109,160						2,495
Consumer:
Personal loans																											1,850						15						1,865						73
Auto																											77						—						77						3
Total loans																											$	145,155					$	20,329					$	165,484					$	2,883

The following tables present the troubled-debt restructurings by loan portfolios and modification type as of December 31, 2022:

			December 31, 2022
			Reduction in interest rate						Maturity or term extension						Combination of reduction in interest rate and extension of maturity						Forbearance						Total
			(In thousands)
Commercial loans:
Commercial secured by real estate			$	7,746					$	29,454					$	7,424					$	—					$	44,624
Other commercial and industrial			785						1,367						474						—						2,626
US commercial loans			7,132						—						—						—						7,132
			15,663						30,821						7,898						—						54,382
Mortgage			31,709						8,020						35,194						34,237						109,160
Consumer:
Personal loans			825						176						793						71						1,865
Auto			39						—						20						18						77
Total loans			$	48,236					$	39,017					$	43,905					$	34,326					$	165,484

Loan modifications that were considered TDR loans completed during the quarter and nine-month period ended September 30, 2022:

			Quarter Ended September 30, 2022
			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			10						1,344						4.45		%				214						1,447						3.67		%				292
Commercial			1						170						5.75		%				66						169						5.75		%				114
Consumer			1						40						10.70		%				72						40						10.95		%				60
			Nine-Months Ended September 30, 2022
			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			82						$	10,377					4.60		%				266						$	10,918					3.64		%				341
Commercial			5						38,873						3.57		%				131						38,729						3.64		%				184
Consumer			3						62						13.72		%				75						62						10.95		%				67

The following table presents troubled-debt restructurings for which there was a payment default during the twelve-month period ended September 30, 2022:

Twelve-month period ended September 30, 2022

Number of Contracts

Recorded Investment

(Dollars in thousands)

Mortgage

9

$

1,087

Financing Receivable, Modified, Past Due

The following table presents an aging of the loans held for investment that have been modified during the nine-month period ended September 30, 2023.

			September 30, 2023
			30-59 Day Past Due						60-89 Days Past Due						90+ Days Past Due						Total Past Due						Current						Total
			(In thousands)
Commercial loans:
Commercial loans secured by real estate			$	—					$	—					$	—					$	—					$	6,328					$	6,328
Other commercial and industrial			—						—						—						—						80						80
US commercial loans			—						—						—						—						11,110						11,110
			—						—						—						—						17,518						17,518
Mortgage			566						133						415						1,114						5,194						6,308
Consumer:
Personal loans			—						—						—						—						122						122
			—						—						—						—						122						122
Auto			—						—						—						—						30						30
Total			$	566					$	133					$	415					$	1,114					$	22,864					$	23,978

Schedule of the Amortized Cost of Collateral-Dependent Loans Held for Investment

The table below presents the amortized cost of commercial collateral-dependent loans held for investment at September 30, 2023 and December 31, 2022, by class of loans.

			September 30,						December 31,
			2023						2022
			(In thousands)
Commercial loans secured by real estate			$	8,605					$	8,805

Schedule of Credit Quality Indicators of Loans

As of September 30, 2023, and based on the most recent analysis performed, the risk category of loans held for investment subject to risk rating by class of loans is as follows.

						Term Loans Amortized Cost Basis by Origination Year																																				Revolving Loans Amortized Cost Basis						Total
						2023						2022						2021						2020						2019						Prior
						(In thousands)
Commercial:
Commercial secured by real estate:
Loan grade:
Pass						$	106,717					$	220,049					$	171,767					$	122,158					$	82,940					$	156,508					$	70,693					$	930,832
Special Mention						—						1,806						6,642						17,542						15,754						10,785						172						52,701
Substandard						—						407						1,279						752						2,655						11,894						527						17,514
Doubtful						—						—						—						—						—						15						—						15
Loss						—						—						—						—						—						—						—						—
Total commercial secured by real estate						106,717						222,262						179,688						140,452						101,349						179,202						71,392						1,001,062

						Term Loans Amortized Cost Basis by Origination Year																																				Revolving Loans Amortized Cost Basis						Total
						2023						2022						2021						2020						2019						Prior
						(In thousands)
Commercial secured by real estate:
Current nine month period gross charge-offs						—						—						265						—						94						821						—						1,180
Other commercial and industrial:
Loan grade:
Pass						194,795						105,699						126,074						38,982						8,260						15,818						483,884						973,512
Special Mention						21						1,805						13						5,706						36						126						14						7,721
Substandard						10						144						833						617						942						126						568						3,240
Doubtful						—						—						—						—						—						—						—						—
Loss						—						—						—						—						—						—						—						—
Total other commercial and industrial:						194,826						107,648						126,920						45,305						9,238						16,070						484,466						984,473
Other commercial and industrial:
Current nine month period gross charge-offs						—						41						878						11						9						1,180						—						2,119
US commercial loans:
Loan grade:
Pass						119,438						68,167						75,965						45,371						29,698						8,089						320,863						667,591
Special Mention						—						7,841						6,566						—						—						—						—						14,407
Substandard						11,111						—						—						—						—						5,716						8,768						25,595
Doubtful						—						—						—						—						—						—						—						—
Loss						—						—						—						—						—						—						—						—
Total US commercial loans:						130,549						76,008						82,531						45,371						29,698						13,805						329,631						707,593
US commercial loans:
Current nine month period gross charge-offs						33						1,156						—						—						—						8,637						—						9,826
Total commercial loans						$	432,092					$	405,918					$	389,139					$	231,128					$	140,285					$	209,077					$	885,489					$	2,693,128
Total current nine month period gross charge-offs						$	33					$	1,197					$	1,143					$	11					$	103					$	10,638					$	—					$	13,125

As of December 31, 2022, and based on the most recent analysis performed, the risk category of loans held for investment subject to risk rating by class of loans is as follows.

						Term Loans Amortized Cost Basis by Origination Year																																				Revolving Loans Amortized Cost Basis						Total
						2022						2021						2020						2019						2018						Prior
						(In thousands)
Commercial:
Commercial secured by real estate:
Loan grade:
Pass						$	220,035					$	177,775					$	110,809					$	118,518					$	50,454					$	159,721					$	69,523					$	906,835
Special Mention						1,899						—						6,007						17,004						2,095						13,934						439						41,378
Substandard						103						8,410						345						405						473						14,722						1,185						25,643
Doubtful						—						—						—						—						—						15						331						346
Loss						—						—						—						—						—						—						—						—
Total commercial secured by real estate						222,037						186,185						117,161						135,927						53,022						188,392						71,478						974,202
Other commercial and industrial:
Loan grade:
Pass						123,659						198,776						67,147						35,678						13,807						7,863						397,944						844,874
Special Mention						3						60						31						654						1,819						21						3,823						6,411
Substandard						112						—						260						472						280						74						1,920						3,118
Doubtful						—						—						—						—						—						—						39						39
Loss						—						—						—						—						—						—						—						—
Total other commercial and industrial:						123,774						198,836						67,438						36,804						15,906						7,958						403,726						854,442
US commercial loans:
Loan grade:
Pass						81,155						92,688						43,965						33,827						49,356						—						308,183						609,174
Special Mention						6,346						—						—						—						—						—						1,122						7,468
Substandard						3,363						—						8,090						—						4,449						—						9,589						25,491
Doubtful						—						—						—						—						—						—						—						—
Loss						—						—						—						—						—						—						—						—
Total US commercial loans:						90,864						92,688						52,055						33,827						53,805						—						318,894						642,133
Total commercial loans						$	436,675					$	477,709					$	236,654					$	206,558					$	122,733					$	196,350					$	794,098					$	2,470,777

The following table presents the amortized cost in mortgage and consumer loans held for investment based on payment activity as of September 30, 2023:

						Term Loans Amortized Cost Basis by Origination Year																																				Revolving Loans Amortized Cost Basis						Total
						2023						2022						2021						2020						2019						Prior
						(In thousands)
Mortgage:
Payment performance:
Performing						$	27,314					$	19,752					$	23,745					$	16,065					$	14,722					$	521,462					$	—					$	623,060
Nonperforming						—						114						182						109						482						24,467						—						25,354
Total mortgage loans:						27,314						19,866						23,927						16,174						15,204						545,929						—						648,414
Mortgage:
Current nine month period gross charge-offs						—						—						—						—						—						610						—						610
Consumer:
Personal loans:
Payment performance:
Performing						224,566						208,788						77,158						21,839						18,006						8,106						—						558,463
Nonperforming						423						1,477						505						153						98						66						—						2,722
Total personal loans						224,989						210,265						77,663						21,992						18,104						8,172						—						561,185
Personal loans:
Current nine month period gross charge-offs						492						7,581						3,461						638						1,172						637						—						13,981
Credit lines:
Payment performance:
Performing						—						—						—						—						—						—						11,097						11,097
Nonperforming						—						—						—						—						—						—						72						72
Total credit lines						—						—						—						—						—						—						11,169						11,169
Credit lines:
Current nine month period gross charge-offs						—						—						—						—						—						—						313						313
Credit cards:
Payment performance:
Performing						—						—						—						—						—						—						39,464						39,464
Nonperforming						—						—						—						—						—						—						566						566
Total credit cards						—						—						—						—						—						—						40,030						40,030
Credit cards:
Current nine month period gross charge-offs						—						—						—						—						—						—						2,124						2,124
Overdrafts:
Payment performance:
Performing						—						—						—						—						—						—						239						239
Nonperforming						—						—						—						—						—						—						—						—
Total overdrafts						—						—						—						—						—						—						239						239
Overdrafts:
Current nine month period gross charge-offs						—						—						—						—						—						—						434						434

						Term Loans Amortized Cost Basis by Origination Year																																				Revolving Loans Amortized Cost Basis						Total
						2023						2022						2021						2020						2019						Prior
						(In thousands)
Total consumer loans						224,989						210,265						77,663						21,992						18,104						8,172						51,438						612,623
Total consumer current nine month period gross charge-offs						492						7,581						3,461						638						1,172						637						2,871						16,852
Total mortgage and consumer loans						$	252,303					$	230,131					$	101,590					$	38,166					$	33,308					$	554,101					$	51,438					$	1,261,037
Total mortgage and consumer current nine month period gross charge-offs						$	492					$	7,581					$	3,461					$	638					$	1,172					$	1,247					$	2,871					$	17,462

The following table presents the amortized cost in mortgage and consumer loans held for investment based on payment activity as of December 31, 2022:

						Term Loans Amortized Cost Basis by Origination Year																																				Revolving Loans Amortized Cost Basis						Total
						2022						2021						2020						2019						2018						Prior
						(In thousands)
Mortgage:
Payment performance:
Performing						$	18,700					$	25,274					$	16,175					$	15,457					$	16,790					$	549,885					$	—					$	642,281
Nonperforming						—						—						110						574						241						32,587						—						33,512
Total mortgage loans:						18,700						25,274						16,285						16,031						17,031						582,472						—						675,793
Consumer:
Personal loans:
Payment performance:
Performing						284,183						112,591						31,876						31,850						12,022						5,768						—						478,290
Nonperforming						831						661						111						300						81						346						—						2,330
Total personal loans						285,014						113,252						31,987						32,150						12,103						6,114						—						480,620
Credit lines:
Payment performance:
Performing						—						—						—						—						—						—						12,710						12,710
Nonperforming						—						—						—						—						—						—						116						116
Total credit lines						—						—						—						—						—						—						12,826						12,826
Credit cards:
Payment performance:
Performing						—						—						—						—						—						—						42,189						42,189
Nonperforming						—						—						—						—						—						—						683						683
Total credit cards						—						—						—						—						—						—						42,872						42,872
Overdrafts:
Payment performance:
Performing						—						—						—						—						—						—						301						301
Nonperforming						—						—						—						—						—						—						—						—
Total overdrafts						—						—						—						—						—						—						301						301
Total consumer loans						285,014						113,252						31,987						32,150						12,103						6,114						55,999						536,619
Total mortgage and consumer loans						$	303,714					$	138,526					$	48,272					$	48,181					$	29,134					$	588,586					$	55,999					$	1,212,412

The following table presents the amortized cost in auto loans held for investment based on their most recent FICO score as of September 30, 2023:

			Term Loans Amortized Cost Basis by Origination Year																																				Total
			2023						2022						2021						2020						2019						Prior
			(In thousands)
Auto:
FICO score:
1-660			121,234						195,732						124,437						60,882						44,959						47,229						594,473
661-699			130,962						128,534						65,830						30,251						21,784						19,694						397,055
700+			367,239						339,488						197,162						113,239						99,649						75,429						1,192,206
No FICO			4,564						6,792						4,882						2,502						4,441						2,078						25,259
Total auto loans			$	623,999					$	670,546					$	392,311					$	206,874					$	170,833					$	144,430					$	2,208,993
Auto:
Current nine month period gross charge-offs			$	1,120					$	12,271					$	7,848					$	2,945					$	2,402					$	2,520					$	29,106

The following table presents the amortized cost in auto loans held for investment based on their most recent FICO score as of December 31, 2022:

			Term Loans Amortized Cost Basis by Origination Year																																				Total
			2022						2021						2020						2019						2018						Prior
			(In thousands)
Auto:
FICO score:
1-660			178,426						143,926						72,148						58,069						44,156						31,980						528,705
661-699			171,723						93,359						42,388						31,033						21,283						13,518						373,304
700+			375,845						235,743						144,783						135,517						88,597						47,499						1,027,984
No FICO			7,766						6,553						3,741						5,873						3,008						1,323						28,264
Total auto loans			$	733,760					$	479,581					$	263,060					$	230,492					$	157,044					$	94,320					$	1,958,257

Amortized Cost Basis of Modified Financing Receivables that Subsequently Defaulted

The following table presents the amortized cost basis as of September 30, 2023 of loans held for investment that had a payment default subsequent to being granted a modification to borrowers experiencing financial difficulty in the prior nine-months.

			Nine-Month Period Ended September 30, 2023
			Amortized Cost Basis of Modified Financing Receivables that Subsequently Defaulted
			Interest Rate Reduction						Term Extension						Principal Forgiveness/Forbearance						Combination - Term Extension and Interest Rate Reduction						Total
			(In thousands)
Mortgage			$	—					$	415					$	—					$	—					$	415

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