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

9 Months Ended

Sep. 30, 2023

OFF BALANCE SHEET RISKS, COMMITMENTS AND CONTINGENT LIABILITIES

Commitments Exclusive of Mortgage Bank Loan Commitments


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

Unused warehouse lines of credit		$	557,467		$	733,940
Unused home equity lines of credit			439,107			410,057
Unused loan commitments - other			1,202,822			951,021
Standby letters of credit			11,921			9,735
FHLB letter of credit			—			643
Total commitments		$	2,211,317		$	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			$	145		$	(43)		$	—		$	—		$	102		$	162		$	28		$	—		$	—		$	190
Unused home equity lines of credit				353			(315)			—			—			38			277			20			—			—			297
Unused construction lines of credit				633			225			—			—			858			—			—			—			—			—
Unused loan commitments - other				399			(57)			—			—			342			661			32			—			—			693

Total			$	1,530		$	(190)		$	—		$	—		$	1,340		$	1,100		$	80		$	—		$	—		$	1,180


			ACLC Roll-forward
			Nine Months Ended September 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		$	(88)		$	—		$	—		$	102		$	154		$	36		$	—		$	—		$	190
Unused home equity lines of credit				332			(294)			—			—			38			247			50			—			—			297
Unused construction lines of credit				384			474			—			—			858			—			—			—			—			—
Unused loan commitments - other				344			(2)			—			—			342			651			42			—			—			693

Total			$	1,250		$	90		$	—		$	—		$	1,340		$	1,052		$	128		$	—		$	—		$	1,180