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Commitments and Contingencies | 6 Months Ended
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Jun. 30, 2022
Commitments and Contingencies Disclosure [Abstract] |
Commitments and Contingencies | Commitments and Contingencies In the ordinary course of business, the Bank may enter into various types of transactions that include commitments to extend credit that are not included in its unaudited Condensed Consolidated Financial Statements. The Bank applies the same credit standards to these commitments as it uses in all its lending activities and has included these commitments in its lending risk evaluations. The majority of the commitments presented below are variable rate. Loan commitments can be either revolving or non-revolving. The Bank’s exposure to credit and market risk under commitments to extend credit is represented by the amount of these commitments. The following table presents outstanding commitments to extend credit, including letters of credit, at the dates indicated:
| June 30, 2022 |  | December 31, 2021
| (In thousands)
Commercial business: |  |  |
Commercial and industrial | $ | 553,134 |  |  | $ | 570,156 |
Owner-occupied CRE | 3,612 |  |  | 2,252 |
Non-owner occupied CRE | 13,310 |  |  | 7,487 |
Total commercial business | 570,056 |  |  | 579,895 |
Real estate construction and land development: |  |  |
Residential | 52,374 |  |  | 51,838 |
Commercial and multifamily | 217,177 |  |  | 209,217 |
Total real estate construction and land development | 269,551 |  |  | 261,055 |
Consumer | 307,906 |  |  | 285,010 |
Total outstanding commitments | $ | 1,147,513 |  |  | $ | 1,125,960 |
The following table details the activity in the ACL on unfunded commitments during the periods indicated:
| Three Months Ended June 30, |  | Six Months Ended June 30,
| 2022 |  | 2021 |  | 2022 |  | 2021
| (In thousands)
Balance, beginning of period | $ | 1,552 |  |  | $ | 3,617 |  |  | $ | 2,607 |  |  | $ | 4,681 |
Reversal of provision for credit losses on unfunded commitments | (555) |  |  | (1,166) |  |  | (1,610) |  |  | (2,230) |
Balance, end of period | $ | 997 |  |  | $ | 2,451 |  |  | $ | 997 |  |  | $ | 2,451 |

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