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OFF BALANCE SHEET RISKS, COMMITMENTS AND CONTINGENT LIABILITIES (Tables) | 6 Months Ended
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Jun. 30, 2024
OFF BALANCE SHEET RISKS, COMMITMENTS AND CONTINGENT LIABILITIES |
Commitments Exclusive of Mortgage Bank Loan Commitments | ​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
(in thousands) |  | June 30, 2024 |  | December 31, 2023 | ​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Unused warehouse lines of credit | ​ | $ | 408,988 | ​ | $ | 623,277 | ​
Unused home equity lines of credit | ​ |  | 462,307 | ​ |  | 446,006 | ​
Unused loan commitments - other | ​ |  | 1,095,460 | ​ |  | 1,159,284 | ​
Standby letters of credit | ​ |  | 10,934 | ​ |  | 11,012 | ​
Total commitments | ​ | $ | 1,977,689 | ​ | $ | 2,239,579 | ​
Schedule of roll-forward of the ACLC | ​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | ​ | ACLC Roll-forward
​ | ​ | ​ | Three Months Ended
​ | ​ | ​ | 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 | ​ | ​ | $ | 108 | ​ | $ | (31) | ​ | $ | — | ​ | $ | — | ​ | $ | 77 | ​ | $ | 198 | ​ | $ | (53) | ​ | $ | — | ​ | $ | — | ​ | $ | 145
Unused home equity lines of credit | ​ | ​ | ​ | 86 | ​ | ​ | 24 | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 110 | ​ | ​ | 341 | ​ | ​ | 12 | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 353
Unused construction lines of credit | ​ | ​ | ​ | 641 | ​ | ​ | (50) | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 591 | ​ | ​ | 547 | ​ | ​ | 86 | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 633
Unused loan commitments - other | ​ | ​ | ​ | 395 | ​ | ​ | (63) | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 332 | ​ | ​ | 374 | ​ | ​ | 25 | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 399
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Total | ​ | ​ | $ | 1,230 | ​ | $ | (120) | ​ | $ | — | ​ | $ | — | ​ | $ | 1,110 | ​ | $ | 1,460 | ​ | $ | 70 | ​ | $ | — | ​ | $ | — | ​ | $ | 1,530
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ ​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | ​ | ACLC Roll-forward
​ | ​ | ​ | Six Months Ended June 30,
​ | ​ | ​ | 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 | ​ | $ | (39) | ​ | $ | — | ​ | $ | — | ​ | $ | 77 | ​ | $ | 190 | ​ | $ | (45) | ​ | $ | — | ​ | $ | — | ​ | $ | 145
Unused home equity lines of credit | ​ | ​ | ​ | 55 | ​ | ​ | 55 | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 110 | ​ | ​ | 332 | ​ | ​ | 21 | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 353
Unused construction lines of credit | ​ | ​ | ​ | 820 | ​ | ​ | (229) | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 591 | ​ | ​ | 384 | ​ | ​ | 249 | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 633
Unused loan commitments - other | ​ | ​ | ​ | 349 | ​ | ​ | (17) | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 332 | ​ | ​ | 344 | ​ | ​ | 55 | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 399
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Total | ​ | ​ | $ | 1,340 | ​ | $ | (230) | ​ | $ | — | ​ | $ | — | ​ | $ | 1,110 | ​ | $ | 1,250 | ​ | $ | 280 | ​ | $ | — | ​ | $ | — | ​ | $ | 1,530
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​

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