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Commitments and Contingencies
6 Months Ended
Jun. 30, 2023
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,
2023
December 31, 2022
 (In thousands)
Commercial business:
Commercial and industrial$544,443 $548,438 
Owner-occupied CRE2,970 3,083 
Non-owner occupied CRE18,917 13,396 
Total commercial business566,330 564,917 
Real estate construction and land development:
Residential
49,081 43,460 
Commercial and multifamily
346,083 348,956 
Total real estate construction and land development395,164 392,416 
Consumer334,088 323,016 
Total outstanding commitments$1,295,582 $1,280,349 
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,
2023202220232022
(In thousands)
Balance, beginning of period$1,856 $1,552 $1,744 $2,607 
(Reversal of) provision for credit losses on unfunded commitments(79)(555)33 (1,610)
Balance, end of period$1,777 $997 $1,777 $997