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ALLOWANCE FOR CREDIT LOSSES (Allowance for Credit Losses) (Details) - USD ($) $ in Thousands | 3 Months Ended | 6 Months Ended | 12 Months Ended
--- | --- | --- | ---
Jun. 30, 2024 | Jun. 30, 2023 | Jun. 30, 2024 | Jun. 30, 2023 | Dec. 31, 2023
Financing Receivable, Allowance for Credit Loss [Roll Forward] |  |  |  |  |
Balance at beginning of period |  |  | $ 161,106 |  |
Balance at end of period | $ 157,301 | $ 159,923 | 157,301 | $ 159,923 | $ 161,106
Commercial PR: |  |  |  |  |
Financing Receivable, Allowance for Credit Loss [Roll Forward] |  |  |  |  |
Charge-offs |  |  | (7,050) |  | (14,191)
Balance at end of period | 34,598 | 50,012 | 34,598 | 50,012 |
Mortgage loans |  |  |  |  |
Financing Receivable, Allowance for Credit Loss [Roll Forward] |  |  |  |  |
Charge-offs |  |  | (65) |  | (759)
Balance at end of period | 12,528 | 16,967 | 12,528 | 16,967 |
Consumer |  |  |  |  |
Financing Receivable, Allowance for Credit Loss [Roll Forward] |  |  |  |  |
Charge-offs |  |  | (16,161) |  | (23,655)
Balance at end of period | 29,440 | 25,674 | 29,440 | 25,674 |
Auto loans |  |  |  |  |
Financing Receivable, Allowance for Credit Loss [Roll Forward] |  |  |  |  |
Charge-offs |  |  | (26,777) |  | (43,764)
Balance at end of period | 80,735 | 67,270 | 80,735 | 67,270 |
Non-PCD |  |  |  |  |
Financing Receivable, Allowance for Credit Loss [Roll Forward] |  |  |  |  |
Balance at beginning of period | 148,767 | 141,385 | 152,610 | 141,841 | 141,841
(Recapture of) provision for credit losses | 17,083 | 16,250 | 33,836 | 24,282 |
Charge-offs | (22,474) | (18,374) | (50,053) | (34,869) |
Recoveries | 7,473 | 10,906 | 14,456 | 18,913 |
Balance at end of period | 150,849 | 150,167 | 150,849 | 150,167 | 152,610
Non-PCD | Commercial PR: |  |  |  |  |
Financing Receivable, Allowance for Credit Loss [Roll Forward] |  |  |  |  |
Balance at beginning of period | 37,371 | 37,774 | 44,041 | 39,158 | 39,158
(Recapture of) provision for credit losses | (1,984) | 14,089 | (3,390) | 13,754 |
Charge-offs | (1,734) | (3,496) | (7,050) | (4,871) |
Recoveries | 156 | 237 | 208 | 563 |
Balance at end of period | 33,809 | 48,604 | 33,809 | 48,604 | 44,041
Non-PCD | Mortgage loans |  |  |  |  |
Financing Receivable, Allowance for Credit Loss [Roll Forward] |  |  |  |  |
Balance at beginning of period | 7,627 | 9,083 | 7,998 | 9,571 | 9,571
(Recapture of) provision for credit losses | (1,280) | (556) | (1,854) | (1,059) |
Charge-offs | (1) | (191) | (65) | (392) |
Recoveries | 540 | 334 | 807 | 550 |
Balance at end of period | 6,886 | 8,670 | 6,886 | 8,670 | 7,998
Non-PCD | Consumer |  |  |  |  |
Financing Receivable, Allowance for Credit Loss [Roll Forward] |  |  |  |  |
Balance at beginning of period | 27,453 | 24,664 | 27,086 | 23,264 | 23,264
(Recapture of) provision for credit losses | 9,308 | 4,517 | 16,963 | 10,491 |
Charge-offs | (8,180) | (5,518) | (16,161) | (10,958) |
Recoveries | 851 | 2,003 | 1,544 | 2,869 |
Balance at end of period | 29,432 | 25,666 | 29,432 | 25,666 | 27,086
Non-PCD | Auto loans |  |  |  |  |
Financing Receivable, Allowance for Credit Loss [Roll Forward] |  |  |  |  |
Balance at beginning of period | 76,316 | 69,864 | 73,485 | 69,848 | 69,848
(Recapture of) provision for credit losses | 11,039 | (1,800) | 22,117 | 1,096 |
Charge-offs | (12,559) | (9,169) | (26,777) | (18,648) |
Recoveries | 5,926 | 8,332 | 11,897 | 14,931 |
Balance at end of period | 80,722 | 67,227 | 80,722 | 67,227 | 73,485
PCD |  |  |  |  |
Financing Receivable, Allowance for Credit Loss [Roll Forward] |  |  |  |  |
Balance at beginning of period | 7,796 | 10,499 | 8,496 | 10,832 | 10,832
(Recapture of) provision for credit losses | (1,332) | (1,606) | (2,816) | (307) |
Charge-offs | (300) | (159) | (392) | (2,638) |
Recoveries | 288 | 1,022 | 1,164 | 1,869 |
Balance at end of period | 6,452 | 9,756 | 6,452 | 9,756 | 8,496
PCD | Commercial PR: |  |  |  |  |
Financing Receivable, Allowance for Credit Loss [Roll Forward] |  |  |  |  |
Balance at beginning of period | 1,133 | 1,693 | 1,113 | 1,388 | 1,388
(Recapture of) provision for credit losses | (237) | (604) | (374) | 1,316 |
Charge-offs | (265) | 0 | (265) | (2,104) |
Recoveries | 158 | 319 | 315 | 808 |
Balance at end of period | 789 | 1,408 | 789 | 1,408 | 1,113
PCD | Mortgage loans |  |  |  |  |
Financing Receivable, Allowance for Credit Loss [Roll Forward] |  |  |  |  |
Balance at beginning of period | 6,638 | 8,717 | 7,351 | 9,359 | 9,359
(Recapture of) provision for credit losses | (1,060) | (679) | (2,328) | (1,493) |
Charge-offs | (29) | (1) | (112) | (76) |
Recoveries | 93 | 260 | 731 | 507 |
Balance at end of period | 5,642 | 8,297 | 5,642 | 8,297 | 7,351
PCD | Consumer |  |  |  |  |
Financing Receivable, Allowance for Credit Loss [Roll Forward] |  |  |  |  |
Balance at beginning of period | 7 | 12 | 7 | 14 | 14
(Recapture of) provision for credit losses | (6) | 78 | (29) | 278 |
Charge-offs | 0 | (124) | 0 | (337) |
Recoveries | 7 | 42 | 30 | 53 |
Balance at end of period | 8 | 8 | 8 | 8 | 7
PCD | Auto loans |  |  |  |  |
Financing Receivable, Allowance for Credit Loss [Roll Forward] |  |  |  |  |
Balance at beginning of period | 18 | 77 | 25 | 71 | 71
(Recapture of) provision for credit losses | (29) | (401) | (85) | (408) |
Charge-offs | (6) | (34) | (15) | (121) |
Recoveries | 30 | 401 | 88 | 501 |
Balance at end of period | $ 13 | $ 43 | $ 13 | $ 43 | $ 25

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- Definition Amount excluding accrued interest, of allowance for credit loss on financing receivable. Excludes net investment in lease. + References Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef -Topic 326 -SubTopic 20 -Name Accounting Standards Codification -Section 45 -Paragraph 1 -Publisher FASB -URI https://asc.fasb.org/1943274/2147479344/326-20-45-1 + Details
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- Definition Amount, excluding accrued interest, of increase in allowance for credit loss on financing receivable from recovery. Excludes net investment in lease. + References Reference 1: http://www.xbrl.org/2003/role/disclosureRef -Topic 326 -SubTopic 20 -Name Accounting Standards Codification -Section 50 -Paragraph 13 -Subparagraph (e) -Publisher FASB -URI https://asc.fasb.org/1943274/2147479319/326-20-50-13 + Details
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