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LOANS (Tables) | 6 Months Ended
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Jun. 30, 2024
Receivables [Abstract] |
Schedule of Loan Portfolio | The composition of the amortized cost basis of OFG’s loan portfolio at June 30, 2024 and December 31, 2023 was as follows:
| June 30, 2024 |  | December 31, 2023
| Non-PCD |  | PCD |  | Total |  | Non-PCD |  | PCD |  | Total
| (In thousands)
Commercial PR: |  |  |  |  |  |  |  |  |  |  |
Commercial secured by real estate | $ | 1,182,145 |  |  | $ | 114,516 |  |  | $ | 1,296,661 |  |  | $ | 1,095,207 |  |  | $ | 120,988 |  |  | $ | 1,216,195 |
Other commercial and industrial | 1,109,608 |  |  | 14,068 |  |  | 1,123,676 |  |  | 1,091,021 |  |  | 14,459 |  |  | 1,105,480 |
| 2,291,753 |  |  | 128,584 |  |  | 2,420,337 |  |  | 2,186,228 |  |  | 135,447 |  |  | 2,321,675 |
Commercial US | 662,026 |  |  | — |  |  | 662,026 |  |  | 755,228 |  |  | — |  |  | 755,228 |
Total commercial loans | 2,953,779 |  |  | 128,584 |  |  | 3,082,363 |  |  | 2,941,456 |  |  | 135,447 |  |  | 3,076,903 |
Mortgage loans | 600,031 |  |  | 885,096 |  |  | 1,485,127 |  |  | 629,247 |  |  | 933,362 |  |  | 1,562,609 |
Consumer loans: |  |  |  |  |  |  |  |  |  |  |
Personal loans | 594,271 |  |  | 253 |  |  | 594,524 |  |  | 568,358 |  |  | 264 |  |  | 568,622 |
Credit lines | 10,648 |  |  | 352 |  |  | 11,000 |  |  | 10,926 |  |  | 288 |  |  | 11,214 |
Credit cards | 38,382 |  |  | — |  |  | 38,382 |  |  | 40,314 |  |  | — |  |  | 40,314 |
Overdraft | 271 |  |  | — |  |  | 271 |  |  | 296 |  |  | — |  |  | 296 |
| 643,572 |  |  | 605 |  |  | 644,177 |  |  | 619,894 |  |  | 552 |  |  | 620,446 |
Auto loans | 2,427,089 |  |  | 951 |  |  | 2,428,040 |  |  | 2,272,530 |  |  | 1,891 |  |  | 2,274,421 |
| 6,624,471 |  |  | 1,015,236 |  |  | 7,639,707 |  |  | 6,463,127 |  |  | 1,071,252 |  |  | 7,534,379 |
Allowance for credit losses | (150,849) |  |  | (6,452) |  |  | (157,301) |  |  | (152,610) |  |  | (8,496) |  |  | (161,106) |
Total loans held for investment, net | 6,473,622 |  |  | 1,008,784 |  |  | 7,482,406 |  |  | 6,310,517 |  |  | 1,062,756 |  |  | 7,373,273 |
Mortgage loans held-for-sale | 8,375 |  |  | — |  |  | 8,375 |  |  | — |  |  | — |  |  | — |
Other loans held-for-sale | 12,361 |  |  | — |  |  | 12,361 |  |  | 28,345 |  |  | — |  |  | 28,345 |
Total loans held-for-sale | 20,736 |  |  | — |  |  | 20,736 |  |  | 28,345 |  |  | — |  |  | 28,345 |
Total loans, net | $ | 6,494,358 |  |  | $ | 1,008,784 |  |  | $ | 7,503,142 |  |  | $ | 6,338,862 |  |  | $ | 1,062,756 |  |  | $ | 7,401,618 |
Schedule of Aging of Recorded Investment in Gross Loans |
| June 30, 2024
| 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 PR: |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial secured by real estate | $ | 3,533 |  |  | $ | 2,189 |  |  | $ | 6,032 |  |  | $ | 11,754 |  |  | $ | 1,170,391 |  |  | $ | 1,182,145 |  |  | $ | — |
Other commercial and industrial | 704 |  |  | 313 |  |  | 3,890 |  |  | 4,907 |  |  | 1,104,701 |  |  | 1,109,608 |  |  | — |
| 4,237 |  |  | 2,502 |  |  | 9,922 |  |  | 16,661 |  |  | 2,275,092 |  |  | 2,291,753 |  |  | — |
Commercial US | 1,042 |  |  | — |  |  | — |  |  | 1,042 |  |  | 660,984 |  |  | 662,026 |  |  | — |
Total commercial loans | 5,279 |  |  | 2,502 |  |  | 9,922 |  |  | 17,703 |  |  | 2,936,076 |  |  | 2,953,779 |  |  | — |
Mortgage loans | 5,442 |  |  | 7,325 |  |  | 29,684 |  |  | 42,451 |  |  | 557,580 |  |  | 600,031 |  |  | 1,682 |
Consumer loans: |  |  |  |  |  |  |  |  |  |  |  |  |
Personal loans | 6,904 |  |  | 4,766 |  |  | 2,569 |  |  | 14,239 |  |  | 580,032 |  |  | 594,271 |  |  | — |
Credit lines | 476 |  |  | 70 |  |  | 12 |  |  | 558 |  |  | 10,090 |  |  | 10,648 |  |  | — |
Credit cards | 542 |  |  | 281 |  |  | 722 |  |  | 1,545 |  |  | 36,837 |  |  | 38,382 |  |  | — |
Overdraft | 63 |  |  | — |  |  | — |  |  | 63 |  |  | 208 |  |  | 271 |  |  | — |
| 7,985 |  |  | 5,117 |  |  | 3,303 |  |  | 16,405 |  |  | 627,167 |  |  | 643,572 |  |  | — |
Auto loans | 111,291 |  |  | 41,526 |  |  | 16,689 |  |  | 169,506 |  |  | 2,257,583 |  |  | 2,427,089 |  |  | — |
Total loans | $ | 129,997 |  |  | $ | 56,470 |  |  | $ | 59,598 |  |  | $ | 246,065 |  |  | $ | 6,378,406 |  |  | $ | 6,624,471 |  |  | $ | 1,682 |
| December 31, 2023
| 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 PR: |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial secured by real estate | $ | 1,585 |  |  | $ | 411 |  |  | $ | 5,671 |  |  | $ | 7,667 |  |  | $ | 1,087,540 |  |  | $ | 1,095,207 |  |  | $ | — |
Other commercial and industrial | 1,366 |  |  | 291 |  |  | 4,974 |  |  | 6,631 |  |  | 1,084,390 |  |  | 1,091,021 |  |  | — |
| 2,951 |  |  | 702 |  |  | 10,645 |  |  | 14,298 |  |  | 2,171,930 |  |  | 2,186,228 |  |  | — |
Commercial US | — |  |  | — |  |  | — |  |  | — |  |  | 755,228 |  |  | 755,228 |  |  | — |
Total commercial loans | 2,951 |  |  | 702 |  |  | 10,645 |  |  | 14,298 |  |  | 2,927,158 |  |  | 2,941,456 |  |  | — |
Mortgage loans | 6,107 |  |  | 9,596 |  |  | 31,557 |  |  | 47,260 |  |  | 581,987 |  |  | 629,247 |  |  | 2,478 |
Consumer loans: |  |  |  |  |  |  |  |  |  |  |  |  |
Personal loans | 6,115 |  |  | 4,041 |  |  | 2,755 |  |  | 12,911 |  |  | 555,447 |  |  | 568,358 |  |  | — |
Credit lines | 137 |  |  | 35 |  |  | 35 |  |  | 207 |  |  | 10,719 |  |  | 10,926 |  |  | — |
Credit cards | 657 |  |  | 280 |  |  | 586 |  |  | 1,523 |  |  | 38,791 |  |  | 40,314 |  |  | — |
Overdraft | 87 |  |  | 14 |  |  | — |  |  | 101 |  |  | 195 |  |  | 296 |  |  | — |
| 6,996 |  |  | 4,370 |  |  | 3,376 |  |  | 14,742 |  |  | 605,152 |  |  | 619,894 |  |  | — |
Auto loans | 101,610 |  |  | 46,071 |  |  | 19,056 |  |  | 166,737 |  |  | 2,105,793 |  |  | 2,272,530 |  |  | — |
Total loans | $ | 117,664 |  |  | $ | 60,739 |  |  | $ | 64,634 |  |  | $ | 243,037 |  |  | $ | 6,220,090 |  |  | $ | 6,463,127 |  |  | $ | 2,478 |
Schedule of Investment in Loans on Non-Accrual Status | The following table presents the amortized cost basis of loans held for investment on non-accrual status as of June 30, 2024 and December 31, 2023:
| June 30, 2024 |  | December 31, 2023 |  |
| 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 PR: |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial secured by real estate | $ | 4,789 |  |  | $ | 12,865 |  |  | $ | 17,654 |  |  | $ | 3,553 |  |  | $ | 7,929 |  |  | $ | 11,482 |  |  |
Other commercial and industrial | 1,657 |  |  | 2,663 |  |  | 4,320 |  |  | 4,560 |  |  | 830 |  |  | 5,390 |  |  |
| 6,446 |  |  | 15,528 |  |  | 21,974 |  |  | 8,113 |  |  | 8,759 |  |  | 16,872 |  |  |
Commercial US | 12,503 |  |  | — |  |  | 12,503 |  |  | 19,224 |  |  | — |  |  | 19,224 |  |  |
Total Commercial loans | 18,949 |  |  | 15,528 |  |  | 34,477 |  |  | 27,337 |  |  | 8,759 |  |  | 36,096 |  |  |
Mortgage loans | 9,396 |  |  | 3,312 |  |  | 12,708 |  |  | 10,339 |  |  | 3,858 |  |  | 14,197 |  |  |
Consumer loans: |  |  |  |  |  |  |  |  |  |  |  |  |
Personal loans | 2,564 |  |  | 32 |  |  | 2,596 |  |  | 2,741 |  |  | 14 |  |  | 2,755 |  |  |
Personal lines of credit | 12 |  |  | — |  |  | 12 |  |  | 35 |  |  | — |  |  | 35 |  |  |
Credit cards | 721 |  |  | — |  |  | 721 |  |  | 586 |  |  | — |  |  | 586 |  |  |
| 3,297 |  |  | 32 |  |  | 3,329 |  |  | 3,362 |  |  | 14 |  |  | 3,376 |  |  |
Auto loans | 16,684 |  |  | 5 |  |  | 16,689 |  |  | 19,051 |  |  | 5 |  |  | 19,056 |  |  |
Total | $ | 48,326 |  |  | $ | 18,877 |  |  | $ | 67,203 |  |  | $ | 60,089 |  |  | $ | 12,636 |  |  | $ | 72,725 |  |  |
PCD: |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial PR: |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial secured by real estate | $ | 569 |  |  | $ | 3,468 |  |  | $ | 4,037 |  |  | $ | 3,060 |  |  | $ | 2,417 |  |  | $ | 5,477 |  |  |
Other commercial and industrial | — |  |  | 711 |  |  | 711 |  |  | — |  |  | 947 |  |  | 947 |  |  |
| 569 |  |  | 4,179 |  |  | 4,748 |  |  | 3,060 |  |  | 3,364 |  |  | 6,424 |  |  |
Mortgage loans | 244 |  |  | — |  |  | 244 |  |  | 250 |  |  | — |  |  | 250 |  |  |
Total | $ | 813 |  |  | $ | 4,179 |  |  | $ | 4,992 |  |  | $ | 3,310 |  |  | $ | 3,364 |  |  | $ | 6,674 |  |  |
Total non-accrual loans | $ | 49,139 |  |  | $ | 23,056 |  |  | $ | 72,195 |  |  | $ | 63,399 |  |  | $ | 16,000 |  |  | $ | 79,399 |  |  |
Schedule of Troubled Debt Restructurings | The following tables present the amortized cost basis as of June 30, 2024 and 2023 of loans held for investment that were modified during the quarters and six-month periods ended June 30, 2024 and 2023, disaggregated by class of financing receivable and type of concession granted.
| Quarter Ended June 30, 2024
| Interest Rate Reduction |  | Term Extension |  | Principal Forbearance / Forgiveness |  | Combination of Term Extension and Interest Rate Reduction |  | Combination of Term Extension and Principal Forgiveness / Forbearance
| Amortized Cost Basis | % of Total Class of Financing Receivable |  | Amortized Cost Basis | % of Total Class of Financing Receivable |  | Amortized Cost Basis | % of Total Class of Financing Receivable |  | Amortized Cost Basis | % of Total Class of Financing Receivable |  | Amortized Cost Basis | % of Total Class of Financing Receivable
| (Dollars in thousands)
Mortgage loans | $ | — |  | — | % |  | $ | 595 |  | 0.04 | % |  | $ | — |  | — | % |  | $ | 92 |  | 0.01 | % |  | $ | — |  | — | %
Auto loans | 32 |  | — | % |  | — |  | — | % |  | — |  | — | % |  | — |  | — | % |  | $ | — |  | — | %
Total | $ | 32 |  |  |  | $ | 595 |  |  |  | $ | — |  |  |  | $ | 92 |  |  |  | $ | — |  |
| Six-Month Period Ended June 30, 2024
| Interest Rate Reduction |  | Term Extension |  | Principal Forbearance / Forgiveness |  | Combination of Term Extension and Interest Rate Reduction |  | Combination of Term Extension and Principal Forgiveness / Forbearance
| Amortized Cost Basis | % of Total Class of Financing Receivable |  | Amortized Cost Basis | % of Total Class of Financing Receivable |  | Amortized Cost Basis | % of Total Class of Financing Receivable |  | Amortized Cost Basis | % of Total Class of Financing Receivable |  | Amortized Cost Basis | % of Total Class of Financing Receivable
| (Dollars in thousands)
Mortgage loans | $ | — |  | — | % |  | $ | 687 |  | 0.05 | % |  | $ | — |  | — | % |  | $ | 92 |  | 0.01 | % |  | $ | — |  | — | %
Consumer: |  |  |  |  |  |  |  |  |  |  |  |  |  |
Personal loans | 26 |  | — | % |  | 7 |  | — | % |  | — |  | — | % |  | — |  | — | % |  | — |  | — | %
Auto loans | 32 |  | — | % |  | — |  | — | % |  | — |  | — | % |  | — |  | — | % |  | — |  | — | %
Total | $ | 58 |  |  |  | $ | 694 |  |  |  | $ | — |  |  |  | $ | 92 |  |  |  | — |  |
| Quarter Ended June 30, 2023
| Interest Rate Reduction |  | Term Extension |  | Principal Forbearance / Forgiveness |  | Combination of Term Extension and Interest Rate Reduction |  | Combination of Term Extension and Principal Forgiveness / Forbearance
| Amortized Cost Basis | % of Total Class of Financing Receivable |  | Amortized Cost Basis | % of Total Class of Financing Receivable |  | Amortized Cost Basis | % of Total Class of Financing Receivable |  | Amortized Cost Basis | % of Total Class of Financing Receivable |  | Amortized Cost Basis | % of Total Class of Financing Receivable
| (Dollars in thousands)
Commercial PR: |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial secured by real estate | $ | — |  | — | % |  | $ | 5,341 |  | 0.48 | % |  | $ | — |  | — | % |  | $ | — |  | — | % |  | $ | — |  | — | %
Other commercial and industrial | — |  | — | % |  | 147 |  | 0.01 | % |  | — |  | — | % |  | — |  | — | % |  | $ | — |  | — | %
| — |  | — | % |  | 5,488 |  | 0.20 | % |  | — |  | — | % |  | — |  | — | % |  | — |  | — | %
Commercial US | — |  | — | % |  | — |  | — | % |  | — |  | — | % |  | — |  | — | % |  | 4,260 |  | 0.64 | %
Total Commercial loans | $ | — |  | — | % |  | 5,488 |  | 0.20 | % |  | — |  | — | % |  | — |  | — | % |  | 4,260 |  | 0.64 | %
Mortgage loans | — |  | — | % |  | 1,827 |  | 0.11 | % |  | — |  | — | % |  | 417 |  | 0.03 | % |  | $ | 431 |  | 0.03 | %
Consumer: |  |  |  |  |  |  |  |  |  |  |  |  |  |
Personal loans | — |  | — | % |  | — |  | — | % |  | — |  | — | % |  | 58 |  | 0.01 | % |  | $ | — |  | — | %
Total | $ | — |  |  |  | $ | 7,315 |  |  |  | $ | — |  |  |  | $ | 475 |  |  |  | $ | 4,691 |  |
| Six-Month Period Ended June 30, 2023
| Interest Rate Reduction |  | Term Extension |  | Principal Forbearance / Forgiveness |  | Combination of Term Extension and Interest Rate Reduction |  | Combination of Term Extension and Principal Forgiveness / Forbearance
| Amortized Cost Basis | % of Total Class of Financing Receivable |  | Amortized Cost Basis | % of Total Class of Financing Receivable |  | Amortized Cost Basis | % of Total Class of Financing Receivable |  | Amortized Cost Basis | % of Total Class of Financing Receivable |  | Amortized Cost Basis | % of Total Class of Financing Receivable
| (Dollars in thousands)
Commercial PR: |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial secured by real estate | $ | — |  | — | % |  | $ | 5,810 |  | 0.52 | % |  | $ | — |  | — | % |  | $ | — |  | — | % |  | $ | — |  | — | %
Other commercial and industrial | — |  | — | % |  | 147 |  | 0.01 | % |  | — |  | — | % |  | — |  | — | % |  | $ | — |  | — | %
| — |  | — | % |  | 5,957 |  | 0.21 | % |  | — |  | — | % |  | — |  | — | % |  | — |  | — | %
Commercial US | — |  | — | % |  | — |  | — | % |  | — |  | — | % |  | — |  | — | % |  | 4,260 |  | 0.64 | %
Total Commercial loans | $ | — |  | — | % |  | 5,957 |  | 0.21 | % |  | — |  | — | % |  | — |  | — | % |  | 4,260 |  | 0.64 | %
Mortgage loans | $ | — |  | — | % |  | 4,318 |  | 0.27 | % |  | $ | 100 |  | 0.01 | % |  | 602 |  | 0.02 | % |  | 431 |  | 0.03 | %
Consumer: |  |  |  |  |  |  |  |  |  |  |  |  |  |
Personal loans | — |  | — | % |  | — |  | — | % |  | — |  | — | % |  | 84 |  | 0.02 | % |  | — |  | — | %
Total | $ | — |  |  |  | $ | 10,275 |  |  |  | $ | 100 |  |  |  | $ | 686 |  |  |  | $ | 4,691 |  |
The following tables present the financial effect of the modifications granted to borrowers experiencing financial difficulty during the quarters and six-month periods ended June 30, 2024 and 2023. The financial effect of the combined modifications is presented separately by type of modification.
| Quarter Ended June 30, 2024
| Weighted-Average Interest Rate Reduction |  | Weighted-Average Term Extension (In months) |  | Weighted-Average Forgiveness/Forbearance of Principal Amount (In thousands)
Mortgage loans | 0.38 | % |  | 178 |  | — |
Auto loans | 3.00 | % |  | 0 |  | — |
| Six-Month Period Ended June 30, 2024
| Weighted-Average Interest Rate Reduction |  | Weighted-Average Term Extension (In months) |  | Weighted-Average Forgiveness/Forbearance of Principal Amount (In thousands) |  |
Mortgage loans | 0.38 | % |  | 176 |  | — |  |  |
Consumer loans: |  |  |  |  |  |  |
Personal loans | 5.00 | % |  | 18 |  | — |  |  |
Auto loans | 3.00 | % |  | 0 |  | — |  |  |
| Quarter Ended June 30, 2023
| Weighted-Average Interest Rate Reduction |  | Weighted-Average Term Extension (In months) |  | Weighted-Average Forgiveness/Forbearance of Principal Amount (In thousands)
Commercial PR: |  |  |  |  |
Commercial loans secured by real estate | — | % |  | 25 |  | $ | — |
Commercial US | — | % |  | 31 |  | 2,973 |
|  |  | 56 |  | $ | 2,973 |
Mortgage loans | 1.86 | % |  | 195 |  | 20 |
Consumer loans: |  |  |  |  |
Personal loans | 1.25 | % |  | 110 |  | — |
| Six-Month Period Ended June 30, 2023
| Weighted-Average Interest Rate Reduction |  | Weighted-Average Term Extension (In months) |  | Weighted-Average Forgiveness/Forbearance of Principal Amount (In thousands)
Commercial PR: |  |  |  |  |
Commercial loans secured by real estate | — | % |  | 24 |  | $ | — |
Commercial US | — | % |  | 31 |  | $ | 2,973 |
| — | % |  | 56 |  | $ | 2,973 |
Mortgage loans | 2.04 | % |  | 206 |  | $ | 24 |
Consumer loans: |  |  |  |  |
Personal loans | 2.50 | % |  | 81 |  | — |
Amortized Cost Basis of Modified Financing Receivables that Subsequently Defaulted | The following table presents the amortized cost basis as of June 30, 2024 of loans held for investment that had a payment default subsequent to being granted a modification to borrowers experiencing financial difficulty in the prior twelve-months.
| Twelve-Months Ended June 30, 2024
| 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 loans | $ | — |  |  | $ | 108 |  |  | $ | — |  |  | $ | — |  |  | $ | 108 |  |  |
The following table presents the amortized cost basis as of June 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 six-month period ended June 30, 2023.
| Six-Months Ended June 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 loans | $ | — |  |  | $ | 415 |  |  | $ | — |  |  | $ | — |  |  | $ | 415 |  |  |
Financing Receivable, Modified, Past Due | The following table presents the payment status of loans that have been modified in the twelve-months period ended June 30, 2024 and in the six-month period ended June 30, 2023 that were granted to borrowers experiencing financial difficulty.
| June 30, 2024
| 30-59 Day Past Due |  | 60-89 Days Past Due |  | 90+ Days Past Due |  | Total Past Due |  | Current |  | Total
| (In thousands)
Commercial loans: |  |  |  |  |  |  |  |  |  |  |
Commercial PR: |  |  |  |  |  |  |  |  |  |  |
Commercial loans secured by real estate | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | 136 |  |  | $ | 136 |
Other commercial and industrial | — |  |  | — |  |  | — |  |  | — |  |  | 626 |  |  | 626 |
| — |  |  | — |  |  | — |  |  | — |  |  | 762 |  |  | 762 |
Commercial US | — |  |  | — |  |  | — |  |  | — |  |  | 2,711 |  |  | 2,711 |
| — |  |  | — |  |  | — |  |  | — |  |  | 3,473 |  |  | 3,473 |
Mortgage loans | 315 |  |  | 29 |  |  | 108 |  |  | 452 |  |  | 1,983 |  |  | 2,435 |
Consumer loans: |  |  |  |  |  |  |  |  |  |  |
Personal loans | — |  |  | — |  |  | — |  |  | — |  |  | 70 |  |  | 70 |
Auto loans | — |  |  | — |  |  | — |  |  | — |  |  | 138 |  |  | 138 |
Total | $ | 315 |  |  | $ | 29 |  |  | $ | 108 |  |  | $ | 452 |  |  | $ | 5,664 |  |  | $ | 6,116 |
| June 30, 2023
| 30-59 Day Past Due |  | 60-89 Days Past Due |  | 90+ Days Past Due |  | Total Past Due |  | Current |  | Total
| (In thousands)
Commercial PR: |  |  |  |  |  |  |  |  |  |  |
Commercial loans secured by real estate | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | 5,810 |  |  | $ | 5,810 |
Other commercial and industrial | — |  |  | — |  |  | — |  |  | — |  |  | 147 |  |  | 147 |
Commercial US | — |  |  | — |  |  | — |  |  | — |  |  | 4,260 |  |  | 4,260 |
| — |  |  | — |  |  | — |  |  | — |  |  | 10,217 |  |  | 10,217 |
Mortgage loans | — |  |  | 122 |  |  | 415 |  |  | 537 |  |  | 4,914 |  |  | 5,451 |
Consumer loans: |  |  |  |  |  |  |  |  |  |  |
Personal loans | — |  |  | — |  |  | — |  |  | — |  |  | 84 |  |  | 84 |
Total | $ | — |  |  | $ | 122 |  |  | $ | 415 |  |  | $ | 537 |  |  | $ | 15,215 |  |  | $ | 15,752 |
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 June 30, 2024 and December 31, 2023, by class of loans.
| June 30, |  | December 31,
| 2024 |  | 2023
| (In thousands)
Commercial PR: |  |  |
Commercial loans secured by real estate | $ | 13,772 |  |  | $ | 8,027 |
Schedule of Credit Quality Indicators of Loans | As of June 30, 2024, and based on the most recent analysis performed, the risk category of loans held for investment subject to risk rating by class of loans, and current year-to-date period gross charge-offs by year of origination is as follows:
|  | Term Loans Amortized Cost Basis by Origination Year |  | Revolving Loans Amortized Cost Basis |  | Total
|  | 2024 |  | 2023 |  | 2022 |  | 2021 |  | 2020 |  | Prior |  |
|  | (In thousands)
Commercial PR: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial secured by real estate: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Loan grade: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass |  | $ | 110,497 |  |  | $ | 221,993 |  |  | $ | 223,863 |  |  | $ | 193,443 |  |  | $ | 109,474 |  |  | $ | 208,712 |  |  | $ | 61,271 |  |  | $ | 1,129,253 |
Special Mention |  | — |  |  | — |  |  | 7,298 |  |  | 6,375 |  |  | 4,702 |  |  | 13,031 |  |  | 113 |  |  | 31,519 |
Substandard |  | — |  |  | 745 |  |  | 454 |  |  | 1,400 |  |  | 1,206 |  |  | 15,940 |  |  | 1,628 |  |  | 21,373 |
Doubtful |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Loss |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Total commercial secured by real estate |  | 110,497 |  |  | 222,738 |  |  | 231,615 |  |  | 201,218 |  |  | 115,382 |  |  | 237,683 |  |  | 63,012 |  |  | 1,182,145 |
Commercial secured by real estate: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
YTD gross charge-offs |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 7 |  |  | — |  |  | 7 |
Other commercial and industrial: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Loan grade: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass |  | 74,157 |  |  | 282,784 |  |  | 71,959 |  |  | 54,624 |  |  | 29,347 |  |  | 17,785 |  |  | 524,959 |  |  | 1,055,615 |
Special Mention |  | — |  |  | 5 |  |  | 2,695 |  |  | 45,033 |  |  | 2 |  |  | 147 |  |  | 1,060 |  |  | 48,942 |
Substandard |  | — |  |  | 142 |  |  | 313 |  |  | 914 |  |  | 226 |  |  | 1,023 |  |  | 2,433 |  |  | 5,051 |
Doubtful |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Loss |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Total other commercial and industrial: |  | 74,157 |  |  | 282,931 |  |  | 74,967 |  |  | 100,571 |  |  | 29,575 |  |  | 18,955 |  |  | 528,452 |  |  | 1,109,608 |
Other commercial and industrial: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
YTD gross charge-offs |  | 114 |  |  | 50 |  |  | 237 |  |  | 3,307 |  |  | — |  |  | 11 |  |  | — |  |  | 3,719 |
Commercial US: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Loan grade: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass |  | 35,163 |  |  | 131,419 |  |  | 49,463 |  |  | 59,225 |  |  | 29,467 |  |  | 29,215 |  |  | 285,887 |  |  | 619,839 |
Special Mention |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 9,841 |  |  | 9,841 |
Substandard |  | 6,532 |  |  | 6,730 |  |  | 2,728 |  |  | 7,613 |  |  | — |  |  | 5,698 |  |  | 635 |  |  | 29,936 |
Doubtful |  | 2,410 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 2,410 |
Loss |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Total Commercial US: |  | 44,105 |  |  | 138,149 |  |  | 52,191 |  |  | 66,838 |  |  | 29,467 |  |  | 34,913 |  |  | 296,363 |  |  | 662,026 |
Commercial US: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
YTD gross charge-offs |  | — |  |  | — |  |  | 392 |  |  | 1,749 |  |  | — |  |  | 1,183 |  |  | — |  |  | 3,324 |
Total commercial loans |  | $ | 228,759 |  |  | $ | 643,818 |  |  | $ | 358,773 |  |  | $ | 368,627 |  |  | $ | 174,424 |  |  | $ | 291,551 |  |  | $ | 887,827 |  |  | $ | 2,953,779 |
Total YTD gross charge-offs |  | $ | 114 |  |  | $ | 50 |  |  | $ | 629 |  |  | $ | 5,056 |  |  | $ | — |  |  | $ | 1,201 |  |  | $ | — |  |  | $ | 7,050 |
As of December 31, 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 PR: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial secured by real estate: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Loan grade: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass |  | $ | 224,598 |  |  | $ | 216,205 |  |  | $ | 195,884 |  |  | $ | 120,489 |  |  | $ | 80,671 |  |  | $ | 131,016 |  |  | $ | 65,873 |  |  | $ | 1,034,736 |
Special Mention |  | — |  |  | 1,772 |  |  | 6,554 |  |  | 5,057 |  |  | 15,676 |  |  | 12,500 |  |  | 153 |  |  | 41,712 |
Substandard |  | — |  |  | 459 |  |  | 1,386 |  |  | 1,109 |  |  | 2,615 |  |  | 11,939 |  |  | 1,236 |  |  | 18,744 |
Doubtful |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 15 |  |  | — |  |  | 15 |
Loss |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Total commercial secured by real estate |  | 224,598 |  |  | 218,436 |  |  | 203,824 |  |  | 126,655 |  |  | 98,962 |  |  | 155,470 |  |  | 67,262 |  |  | 1,095,207 |
Commercial secured by real estate: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
YTD gross charge-offs |  | — |  |  | — |  |  | 265 |  |  | — |  |  | 94 |  |  | 820 |  |  | — |  |  | 1,179 |
Other commercial and industrial: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Loan grade: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass |  | 284,615 |  |  | 99,522 |  |  | 113,760 |  |  | 37,665 |  |  | 7,438 |  |  | 14,836 |  |  | 527,008 |  |  | 1,084,844 |
Special Mention |  | 8 |  |  | 2,953 |  |  | — |  |  | — |  |  | 51 |  |  | 100 |  |  | — |  |  | 3,112 |
Substandard |  | 3 |  |  | 473 |  |  | 826 |  |  | 259 |  |  | 935 |  |  | 186 |  |  | 383 |  |  | 3,065 |
Doubtful |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Loss |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Total other commercial and industrial: |  | 284,626 |  |  | 102,948 |  |  | 114,586 |  |  | 37,924 |  |  | 8,424 |  |  | 15,122 |  |  | 527,391 |  |  | 1,091,021 |
Other commercial and industrial: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
YTD gross charge-offs |  | — |  |  | 124 |  |  | 1,095 |  |  | 89 |  |  | 9 |  |  | 1,180 |  |  | — |  |  | 2,497 |
Commercial US: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Loan grade: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass |  | 142,222 |  |  | 63,885 |  |  | 69,233 |  |  | 31,206 |  |  | 28,202 |  |  | 8,085 |  |  | 358,757 |  |  | 701,590 |
Special Mention |  | — |  |  | 7,803 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 20,913 |  |  | 28,716 |
Substandard |  | 10,832 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 5,699 |  |  | 8,391 |  |  | 24,922 |
Doubtful |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Loss |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Total Commercial US: |  | 153,054 |  |  | 71,688 |  |  | 69,233 |  |  | 31,206 |  |  | 28,202 |  |  | 13,784 |  |  | 388,061 |  |  | 755,228 |
Commercial US: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
YTD gross charge-offs |  | 33 |  |  | 1,156 |  |  | 642 |  |  | 47 |  |  | — |  |  | 8,637 |  |  | — |  |  | 10,515 |
Total commercial loans |  | $ | 662,278 |  |  | $ | 393,072 |  |  | $ | 387,643 |  |  | $ | 195,785 |  |  | $ | 135,588 |  |  | $ | 184,376 |  |  | $ | 982,714 |  |  | $ | 2,941,456 |
Total YTD gross charge-offs |  | $ | 33 |  |  | $ | 1,280 |  |  | $ | 2,002 |  |  | $ | 136 |  |  | $ | 103 |  |  | $ | 10,637 |  |  | $ | — |  |  | $ | 14,191 |
The following table presents the amortized cost in mortgage and consumer loans held for investment based on payment activity as of June 30, 2024:
|  | Term Loans Amortized Cost Basis by Origination Year |  | Revolving Loans Amortized Cost Basis |  | Total
|  | 2024 |  | 2023 |  | 2022 |  | 2021 |  | 2020 |  | Prior |  |
|  | (In thousands)
Mortgage loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Payment performance: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Performing |  | $ | 10,304 |  |  | $ | 17,149 |  |  | $ | 19,296 |  |  | $ | 22,321 |  |  | $ | 15,094 |  |  | $ | 498,542 |  |  | $ | — |  |  | $ | 582,706 |
Nonperforming |  | — |  |  | 650 |  |  | — |  |  | 172 |  |  | 105 |  |  | 16,398 |  |  | — |  |  | 17,325 |
Total mortgage loans: |  | 10,304 |  |  | 17,799 |  |  | 19,296 |  |  | 22,493 |  |  | 15,199 |  |  | 514,940 |  |  | — |  |  | 600,031 |
Mortgage loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
YTD gross charge-offs |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 65 |  |  | — |  |  | 65 |
Consumer loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Personal loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Payment performance: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Performing |  | 140,402 |  |  | 223,895 |  |  | 146,898 |  |  | 52,589 |  |  | 14,925 |  |  | 12,966 |  |  | — |  |  | 591,675 |
Nonperforming |  | 69 |  |  | 820 |  |  | 1,105 |  |  | 416 |  |  | 76 |  |  | 110 |  |  | — |  |  | 2,596 |
Total personal loans |  | 140,471 |  |  | 224,715 |  |  | 148,003 |  |  | 53,005 |  |  | 15,001 |  |  | 13,076 |  |  | — |  |  | 594,271 |
Personal loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
YTD gross charge-offs |  | 56 |  |  | 4,355 |  |  | 6,759 |  |  | 2,036 |  |  | 425 |  |  | 735 |  |  | — |  |  | 14,366 |
Credit lines: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Payment performance: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Performing |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 10,636 |  |  | 10,636 |
Nonperforming |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 12 |  |  | 12 |
Total credit lines |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 10,648 |  |  | 10,648 |
Credit lines: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
YTD gross charge-offs |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 88 |  |  | 88 |
Credit cards: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Payment performance: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Performing |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 37,661 |  |  | 37,661 |
Nonperforming |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 721 |  |  | 721 |
Total credit cards |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 38,382 |  |  | 38,382 |
Credit cards: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
YTD gross charge-offs |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 1,165 |  |  | 1,165 |
Overdrafts: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Payment performance: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Performing |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 271 |  |  | 271 |
Nonperforming |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Total overdrafts |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 271 |  |  | 271 |
Overdrafts: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
YTD gross charge-offs |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 542 |  |  | 542 |
Total consumer loans |  | 140,471 |  |  | 224,715 |  |  | 148,003 |  |  | 53,005 |  |  | 15,001 |  |  | 13,076 |  |  | 49,301 |  |  | 643,572 |
Total consumer loans YTD gross charge-offs |  | 56 |  |  | 4,355 |  |  | 6,759 |  |  | 2,036 |  |  | 425 |  |  | 735 |  |  | 1,795 |  |  | 16,161 |
Total mortgage and consumer loans |  | $ | 150,775 |  |  | $ | 242,514 |  |  | $ | 167,299 |  |  | $ | 75,498 |  |  | $ | 30,200 |  |  | $ | 528,016 |  |  | $ | 49,301 |  |  | $ | 1,243,603 |
Total mortgage and consumer loans YTD gross charge-offs |  | $ | 56 |  |  | $ | 4,355 |  |  | $ | 6,759 |  |  | $ | 2,036 |  |  | $ | 425 |  |  | $ | 800 |  |  | $ | 1,795 |  |  | $ | 16,226 |
The following table presents the amortized cost in mortgage and consumer loans held for investment based on payment activity as of December 31, 2023:
|  | Term Loans Amortized Cost Basis by Origination Year |  | Revolving Loans Amortized Cost Basis |  | Total
|  | 2023 |  | 2022 |  | 2021 |  | 2020 |  | 2019 |  | Prior |  |
|  | (In thousands)
Mortgage loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Payment performance: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Performing |  | $ | 24,623 |  |  | $ | 19,722 |  |  | $ | 23,303 |  |  | $ | 15,821 |  |  | $ | 14,589 |  |  | $ | 511,182 |  |  | $ | — |  |  | $ | 609,240 |
Nonperforming |  | $ | — |  |  | — |  |  | 181 |  |  | 108 |  |  | 479 |  |  | 19,239 |  |  | — |  |  | 20,007 |
Total mortgage loans: |  | 24,623 |  |  | 19,722 |  |  | 23,484 |  |  | 15,929 |  |  | 15,068 |  |  | 530,421 |  |  | — |  |  | 629,247 |
Mortgage loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
YTD gross charge-offs |  | $ | — |  |  | 4 |  |  | — |  |  | — |  |  | — |  |  | 755 |  |  | — |  |  | 759 |
Consumer loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Personal loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Payment performance: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Performing |  | 270,883 |  |  | 186,612 |  |  | 68,133 |  |  | 19,185 |  |  | 14,460 |  |  | 6,330 |  |  | — |  |  | $ | 565,603 |
Nonperforming |  | 503 |  |  | 1,588 |  |  | 304 |  |  | 193 |  |  | 66 |  |  | 101 |  |  | — |  |  | 2,755 |
Total personal loans |  | 271,386 |  |  | 188,200 |  |  | 68,437 |  |  | 19,378 |  |  | 14,526 |  |  | 6,431 |  |  | — |  |  | 568,358 |
Personal loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
YTD gross charge-offs |  | 1,748 |  |  | 10,512 |  |  | 4,661 |  |  | 830 |  |  | 1,384 |  |  | 731 |  |  | — |  |  | 19,866 |
Credit lines: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Payment performance: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Performing |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 10,891 |  |  | $ | 10,891 |
Nonperforming |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 35 |  |  | 35 |
Total credit lines |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 10,926 |  |  | 10,926 |
Credit lines: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
YTD gross charge-offs |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 419 |  |  | 419 |
Credit cards: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Payment performance: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Performing |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 39,728 |  |  | $ | 39,728 |
Nonperforming |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 586 |  |  | 586 |
Total credit cards |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 40,314 |  |  | 40,314 |
Credit cards: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
YTD gross charge-offs |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 2,825 |  |  | 2,825 |
Overdrafts: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Payment performance: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Performing |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 296 |  |  | $ | 296 |
Nonperforming |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Total overdrafts |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 296 |  |  | 296 |
Overdrafts: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
YTD gross charge-offs |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 545 |  |  | 545 |
Total consumer loans |  | 271,383 |  |  | 188,200 |  |  | 68,437 |  |  | 19,378 |  |  | 14,526 |  |  | 6,431 |  |  | 51,536 |  |  | 619,894 |
Total consumer loans YTD gross charge-offs |  | 1,748 |  |  | 10,512 |  |  | 4,661 |  |  | 830 |  |  | 1,384 |  |  | 731 |  |  | 3,789 |  |  | 23,655 |
Total mortgage and consumer loans |  | $ | 296,009 |  |  | $ | 207,922 |  |  | $ | 91,921 |  |  | $ | 35,307 |  |  | $ | 29,594 |  |  | $ | 536,852 |  |  | $ | 51,536 |  |  | $ | 1,249,141 |
Total mortgage and consumer loans YTD gross charge-offs |  | $ | 1,748 |  |  | $ | 10,516 |  |  | $ | 4,661 |  |  | $ | 830 |  |  | $ | 1,384 |  |  | $ | 1,486 |  |  | $ | 3,789 |  |  | $ | 24,414 |
The following table presents the amortized cost in auto loans held for investment based on their most recent FICO score as of June 30, 2024:
| Term Loans Amortized Cost Basis by Origination Year |  | Total |  |
| 2024 |  | 2023 |  | 2022 |  | 2021 |  | 2020 |  | Prior |  |  |
| (In thousands) |  |
Auto loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
FICO score: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
1-660 | 72,253 |  |  | 193,855 |  |  | 178,546 |  |  | 106,187 |  |  | 48,537 |  |  | 56,594 |  |  | 655,972 |  |  |
661-699 | 86,699 |  |  | 148,429 |  |  | 88,989 |  |  | 45,869 |  |  | 20,872 |  |  | 22,658 |  |  | 413,516 |  |  |
700+ | 265,909 |  |  | 443,723 |  |  | 282,292 |  |  | 157,960 |  |  | 84,776 |  |  | 98,252 |  |  | 1,332,912 |  |  |
No FICO | 2,901 |  |  | 7,107 |  |  | 6,117 |  |  | 4,014 |  |  | 1,759 |  |  | 2,791 |  |  | 24,689 |  |  |
Total auto loans | $ | 427,762 |  |  | $ | 793,114 |  |  | $ | 555,944 |  |  | $ | 314,030 |  |  | $ | 155,944 |  |  | $ | 180,295 |  |  | $ | 2,427,089 |  |  |
Auto loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
YTD gross charge-offs | $ | 137 |  |  | $ | 9,196 |  |  | $ | 9,310 |  |  | $ | 3,889 |  |  | $ | 1,784 |  |  | $ | 2,461 |  |  | $ | 26,777 |  |  |
The following table presents the amortized cost in auto loans held for investment based on their most recent FICO score as of December 31, 2023:
| Term Loans Amortized Cost Basis by Origination Year |  | Total
| 2023 |  | 2022 |  | 2021 |  | 2020 |  | 2019 |  | Prior |
| (In thousands)
Auto loans: |  |  |  |  |  |  |  |  |  |  |  |  |
FICO score: |  |  |  |  |  |  |  |  |  |  |  |  |
1-660 | 170,639 |  |  | 190,743 |  |  | 118,821 |  |  | 57,087 |  |  | 41,124 |  |  | 38,570 |  |  | 616,984 |
661-699 | 169,430 |  |  | 110,260 |  |  | 58,166 |  |  | 25,886 |  |  | 18,253 |  |  | 16,137 |  |  | 398,132 |
700+ | 474,005 |  |  | 323,514 |  |  | 183,286 |  |  | 103,886 |  |  | 88,929 |  |  | 58,779 |  |  | 1,232,399 |
No FICO | 6,203 |  |  | 6,537 |  |  | 4,592 |  |  | 2,200 |  |  | 3,886 |  |  | 1,597 |  |  | 25,015 |
Total auto loans | $ | 820,277 |  |  | $ | 631,054 |  |  | $ | 364,865 |  |  | $ | 189,059 |  |  | $ | 152,192 |  |  | $ | 115,083 |  |  | $ | 2,272,530 |
Auto loans: |  |  |  |  |  |  |  |  |  |  |  |  |
YTD gross charge-offs | $ | 4,090 |  |  | $ | 18,142 |  |  | $ | 10,894 |  |  | $ | 4,008 |  |  | $ | 3,380 |  |  | $ | 3,250 |  |  | $ | 43,764 |

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