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LOANS (Tables)

6 Months Ended

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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