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

3 Months Ended

Mar. 31, 2024

OFF BALANCE SHEET RISKS, COMMITMENTS AND CONTINGENT LIABILITIES

Commitments Exclusive of Mortgage Bank Loan Commitments


(in thousands)		March 31, 2024			December 31, 2023

Unused warehouse lines of credit		$	469,751		$	623,277
Unused home equity lines of credit			460,311			446,006
Unused loan commitments - other			1,146,352			1,159,284
Standby letters of credit			11,091			11,012
FHLB letter of credit			—			—
Total commitments		$	2,087,505		$	2,239,579

Schedule of roll-forward of the ACLC


			ACLC Roll-forward
			Three Months Ended March 31,
			2024															2023
			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			$	116		$	(8)		$	—		$	—		$	108		$	190		$	8		$	—		$	—		$	198
Unused home equity lines of credit				55			31			—			—			86			332			9			—			—			341
Unused construction lines of credit				820			(179)			—			—			641			384			163			—			—			547
Unused loan commitments - other				349			46			—			—			395			344			30			—			—			374

Total			$	1,340		$	(110)		$	—		$	—		$	1,230		$	1,250		$	210		$	—		$	—		$	1,460