XML 91 R74.htm IDEA: XBRL DOCUMENT v3.22.4
Loans and Allowance for Credit Losses - Additional Information (Details)
$ in Thousands
12 Months Ended
Dec. 31, 2022
USD ($)
loan
Dec. 31, 2021
USD ($)
loan
Dec. 31, 2020
USD ($)
loan
Dec. 31, 2019
USD ($)
Accounts, Notes, Loans and Financing Receivable [Line Items]        
Premiums and discounts on acquired loans $ 13,383 $ 11,723    
Net deferred origination and factoring fees 3,307 5,349    
Accrued interest on loans $ 19,279 $ 14,513    
Majority of factored receivables percentage of loan portfolio 96.00% 91.00%    
Percentage of total loan portfolio on factored receivables 29.00% 32.00%    
Misdirected payments $ 4,120,291 $ 4,867,572    
Pledged loans 1,356,922 1,733,917    
Credit loss expense (benefit) 6,925 (8,830) $ 38,329  
Total Nonaccrual 18,296 15,034    
Interest earned on nonaccrual loans 0 0 $ 0  
Recorded investments in troubled debt restructurings 2,400 4,677    
ACL Allocation $ 42,807 $ 42,213    
Number of defaults on modified loans | loan 1 3 1  
Recorded investments in troubled debt restructurings with subsequent default $ 44 $ 1,681 $ 5,741  
Number of loans in deferral | loan 0      
Troubled Debt Restructuring        
Accounts, Notes, Loans and Financing Receivable [Line Items]        
Total Nonaccrual $ 1,897 3,912    
ACL Allocation 1,067 1,068    
Past Due 90 Days or More        
Accounts, Notes, Loans and Financing Receivable [Line Items]        
Misdirected payments 41,367 46,433    
Changes In Allowance For Credit Losses        
Accounts, Notes, Loans and Financing Receivable [Line Items]        
Allowances for credit losses attributable to change in loss drivers 1,769      
Loans Held for Investment        
Accounts, Notes, Loans and Financing Receivable [Line Items]        
Net charge-offs 6,445 45,562    
Credit loss expense (benefit) 7,039 (7,964) 33,981  
ACL Allocation 42,807 42,213 95,739 $ 29,092
Factored receivables        
Accounts, Notes, Loans and Financing Receivable [Line Items]        
Customer reserves 249,288 254,970    
Misdirected payments 1,237,449 1,699,537    
Total Nonaccrual 0 0    
Factored receivables | Past Due 90 Days or More        
Accounts, Notes, Loans and Financing Receivable [Line Items]        
Misdirected payments 37,142 39,134    
Factored receivables | Over-Formula Advances        
Accounts, Notes, Loans and Financing Receivable [Line Items]        
Misdirected payments 8,202 10,077    
Net charge-offs   41,265    
Factored receivables | Over-Formula Advances | Past Due 90 Days or More        
Accounts, Notes, Loans and Financing Receivable [Line Items]        
Total Nonaccrual 8,202 10,077    
Factored receivables | Misdirected Payments Receivable | United States Postal Service        
Accounts, Notes, Loans and Financing Receivable [Line Items]        
Misdirected payments 19,361 19,361    
Factored receivables | Loans Held for Investment        
Accounts, Notes, Loans and Financing Receivable [Line Items]        
Credit loss expense (benefit) 3,045 10,038 16,079  
ACL Allocation 19,121 20,915 56,463 7,657
1-4 family residential properties        
Accounts, Notes, Loans and Financing Receivable [Line Items]        
Misdirected payments 125,981 123,115    
Total Nonaccrual 1,391 1,683    
1-4 family residential properties | Past Due 90 Days or More        
Accounts, Notes, Loans and Financing Receivable [Line Items]        
Misdirected payments 776 1,114    
1-4 family residential properties | Real Eatate Loans        
Accounts, Notes, Loans and Financing Receivable [Line Items]        
Residential real estate loans in process of foreclosure 129 301    
1-4 family residential properties | Loans Held for Investment        
Accounts, Notes, Loans and Financing Receivable [Line Items]        
Credit loss expense (benefit) 363 (849) 378  
ACL Allocation $ 838 $ 468 $ 1,225 $ 308
Texas, Colorado, Illinois, And Iowa | Accounts Receivable | Geographic Concentration Risk        
Accounts, Notes, Loans and Financing Receivable [Line Items]        
Percentage of customers located within states 51.00% 57.00%    
Texas | Accounts Receivable | Geographic Concentration Risk        
Accounts, Notes, Loans and Financing Receivable [Line Items]        
Percentage of customers located within states 23.00% 21.00%    
Colorado | Accounts Receivable | Geographic Concentration Risk        
Accounts, Notes, Loans and Financing Receivable [Line Items]        
Percentage of customers located within states 11.00% 15.00%    
Illinois | Accounts Receivable | Geographic Concentration Risk        
Accounts, Notes, Loans and Financing Receivable [Line Items]        
Percentage of customers located within states 11.00% 15.00%    
Iowa | Accounts Receivable | Geographic Concentration Risk        
Accounts, Notes, Loans and Financing Receivable [Line Items]        
Percentage of customers located within states 6.00% 6.00%