XML 46 R36.htm IDEA: XBRL DOCUMENT

OFF BALANCE SHEET RISKS, COMMITMENTS AND CONTINGENT LIABILITIES (Tables)

6 Months Ended

Jun. 30, 2023

OFF BALANCE SHEET RISKS, COMMITMENTS AND CONTINGENT LIABILITIES

Commitments Exclusive of Mortgage Bank Loan Commitments


(in thousands)		June 30, 2023			December 31, 2022

Unused warehouse lines of credit		$	440,940		$	733,940
Unused home equity lines of credit			430,954			410,057
Unused loan commitments - other			1,175,149			951,021
Standby letters of credit			10,232			9,735
FHLB letter of credit			233			643
Total commitments		$	2,057,508		$	2,105,396

Schedule of roll-forward of the ACLC


			ACLC Roll-forward
			Three Months Ended
			2023															2022
			Beginning						Charge-						Ending			Beginning						Charge-						Ending
(in thousands)			Balance			Provision			offs			Recoveries			Balance			Balance			Provision			offs			Recoveries			Balance

Loan Commitments
Unused warehouse lines of credit			$	198		$	(53)		$	—		$	—		$	145		$	130		$	32		$	—		$	—		$	162
Unused home equity lines of credit				341			12			—			—			353			256			21			—			—			277
Unused construction lines of credit				547			86			—			—			633			—			—			—			—			—
Unused loan commitments - other				374			25			—			—			399			654			7			—			—			661

Total			$	1,460		$	70		$	—		$	—		$	1,530		$	1,040		$	60		$	—		$	—		$	1,100


			ACLC Roll-forward
			Six Months Ended June 30,
			2023															2022
			Beginning						Charge-						Ending			Beginning						Charge-						Ending
(in thousands)			Balance			Provision			offs			Recoveries			Balance			Balance			Provision			offs			Recoveries			Balance

Loan Commitments
Unused warehouse lines of credit			$	190		$	(45)		$	—		$	—		$	145		$	154		$	8		$	—		$	—		$	162
Unused home equity lines of credit				332			21			—			—			353			247			30			—			—			277
Unused construction lines of credit				384			249			—			—			633			—			—			—			—			—
Unused loan commitments - other				344			55			—			—			399			651			10			—			—			661

Total			$	1,250		$	280		$	—		$	—		$	1,530		$	1,052		$	48		$	—		$	—		$	1,100