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Commitments and Contingencies
9 Months Ended
Sep. 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:
 September 30,
2022
December 31, 2021
 (In thousands)
Commercial business:
Commercial and industrial$528,690 $570,156 
Owner-occupied CRE4,260 2,252 
Non-owner occupied CRE12,334 7,487 
Total commercial business545,284 579,895 
Real estate construction and land development:
Residential
52,098 51,838 
Commercial and multifamily
237,204 209,217 
Total real estate construction and land development289,302 261,055 
Consumer314,216 285,010 
Total outstanding commitments$1,148,802 $1,125,960 
The following table details the activity in the ACL on unfunded commitments during the periods indicated:
Three Months Ended
September 30,
Nine Months Ended
September 30,
2022202120222021
(In thousands)
Balance, beginning of period$997 $2,451 $2,607 $4,681 
Provision for (reversal of) credit losses on unfunded commitments26 (297)(1,584)(2,527)
Balance, end of period$1,023 $2,154 $1,023 $2,154