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

12 Months Ended

Dec. 31, 2023

OFF BALANCE SHEET RISKS, COMMITMENTS AND CONTINGENT LIABILITIES

Commitments Exclusive of Mortgage Bank Loan Commitments


December 31, (in thousands)			2023			2022

Unused warehouse lines of credit			$	623,277		$	733,940
Unused home equity lines of credit				446,006			410,057
Unused loan commitments - other				1,159,284			951,021
Standby letters of credit				11,012			9,735
FHLB letter of credit				—			643
Total commitments			$	2,239,579		$	2,105,396

Schedule of roll-forward of the ACLC


			ACLC Roll-forward
			Years Ended December 31,
			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		$	(74)		$	—		$	—		$	116		$	154		$	36		$	—		$	—		$	190
Unused home equity lines of credit				332			(277)			—			—			55			247			85			—			—			332
Unused construction lines of credit				384			436			—			—			820			383			1			—			—			384
Unused loan commitments - other				344			5			—			—			349			268			76			—			—			344

Total			$	1,250		$	90		$	—		$	—		$	1,340		$	1,052		$	198		$	—		$	—		$	1,250