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v3.25.2

Allowance for Credit Losses (Details) $ in Thousands | 3 Months Ended | 6 Months Ended
--- | --- | ---
Jun. 30, 2025 USD ($) item | Jun. 30, 2024 USD ($) | Jun. 30, 2025 USD ($) item | Jun. 30, 2024 USD ($)
Allowance for credit losses |  |  |  |
Number of classes existing in loan and lease portfolio | item | 9 |  | 9 |
Changes in allowance for loan and lease losses |  |  |  |
Balance at the beginning of the period | $ 157,470 | $ 148,024 | $ 155,540 | $ 147,552
Charge-offs | 3,065 | 747 | 4,989 | 8,418
Recoveries | 1,195 | 2,734 | 2,937 | 4,282
Net charge-offs (recoveries) | 1,870 | (1,987) | 2,052 | 4,136
Provision (recovery of provision) | 7,884 | 56 | 9,996 | 6,651
Balance at the end of the period | 163,484 | 150,067 | 163,484 | 150,067
Commercial and agricultural |  |  |  |
Changes in allowance for loan and lease losses |  |  |  |
Balance at the beginning of the period | 21,912 | 17,263 | 21,316 | 17,385
Charge-offs | 439 | 43 | 854 | 7,111
Recoveries | 519 | 53 | 801 | 139
Net charge-offs (recoveries) | (80) | (10) | 53 | 6,972
Provision (recovery of provision) | 2,347 | 1,364 | 3,076 | 8,224
Balance at the end of the period | 24,339 | 18,637 | 24,339 | 18,637
Renewable energy |  |  |  |
Changes in allowance for loan and lease losses |  |  |  |
Balance at the beginning of the period | 8,865 | 6,858 | 8,562 | 6,610
Charge-offs | 0 | 0 | 0 | 0
Recoveries | 0 | 0 | 0 | 0
Net charge-offs (recoveries) | 0 | 0 | 0 | 0
Provision (recovery of provision) | 1,179 | 795 | 1,482 | 1,043
Balance at the end of the period | 10,044 | 7,653 | 10,044 | 7,653
Auto and light truck |  |  |  |
Changes in allowance for loan and lease losses |  |  |  |
Balance at the beginning of the period | 18,657 | 17,584 | 18,437 | 16,858
Charge-offs | 1,500 | 15 | 1,840 | 16
Recoveries | 364 | 909 | 1,254 | 1,562
Net charge-offs (recoveries) | 1,136 | (894) | 586 | (1,546)
Provision (recovery of provision) | 3,344 | (752) | 3,014 | (678)
Balance at the end of the period | 20,865 | 17,726 | 20,865 | 17,726
Medium and heavy duty truck |  |  |  |
Changes in allowance for loan and lease losses |  |  |  |
Balance at the beginning of the period | 6,884 | 8,788 | 7,292 | 8,965
Charge-offs | 0 | 0 | 0 | 0
Recoveries | 0 | 0 | 0 | 0
Net charge-offs (recoveries) | 0 | 0 | 0 | 0
Provision (recovery of provision) | (362) | 433 | (770) | 256
Balance at the end of the period | 6,522 | 9,221 | 6,522 | 9,221
Aircraft |  |  |  |
Changes in allowance for loan and lease losses |  |  |  |
Balance at the beginning of the period | 36,832 | 36,924 | 36,663 | 37,653
Charge-offs | 485 | 0 | 485 | 68
Recoveries | 206 | 481 | 415 | 849
Net charge-offs (recoveries) | 279 | (481) | 70 | (781)
Provision (recovery of provision) | 153 | (2,239) | 113 | (3,268)
Balance at the end of the period | 36,706 | 35,166 | 36,706 | 35,166
Construction equipment |  |  |  |
Changes in allowance for loan and lease losses |  |  |  |
Balance at the beginning of the period | 28,721 | 26,804 | 28,258 | 26,510
Charge-offs | 335 | 306 | 1,017 | 598
Recoveries | 16 | 1,207 | 297 | 1,406
Net charge-offs (recoveries) | 319 | (901) | 720 | (808)
Provision (recovery of provision) | 673 | (761) | 1,537 | (374)
Balance at the end of the period | 29,075 | 26,944 | 29,075 | 26,944
Commercial real estate |  |  |  |
Changes in allowance for loan and lease losses |  |  |  |
Balance at the beginning of the period | 24,973 | 23,844 | 24,821 | 23,690
Charge-offs | 1 | 0 | 6 | 0
Recoveries | 18 | 3 | 21 | 184
Net charge-offs (recoveries) | (17) | (3) | (15) | (184)
Provision (recovery of provision) | 12 | 1,000 | 166 | 973
Balance at the end of the period | 25,002 | 24,847 | 25,002 | 24,847
Residential real estate and home equity |  |  |  |
Changes in allowance for loan and lease losses |  |  |  |
Balance at the beginning of the period | 8,438 | 7,808 | 7,976 | 7,698
Charge-offs | 29 | 0 | 35 | 13
Recoveries | 2 | 14 | 18 | 22
Net charge-offs (recoveries) | 27 | (14) | 17 | (9)
Provision (recovery of provision) | 355 | (30) | 807 | 85
Balance at the end of the period | 8,766 | 7,792 | 8,766 | 7,792
Consumer |  |  |  |
Changes in allowance for loan and lease losses |  |  |  |
Balance at the beginning of the period | 2,188 | 2,151 | 2,215 | 2,183
Charge-offs | 276 | 383 | 752 | 612
Recoveries | 70 | 67 | 131 | 120
Net charge-offs (recoveries) | 206 | 316 | 621 | 492
Provision (recovery of provision) | 183 | 246 | 571 | 390
Balance at the end of the period | $ 2,165 | $ 2,081 | $ 2,165 | $ 2,081

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