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Allowance for Credit and Loan Losses (Tables) | 9 Months Ended
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Sep. 30, 2020
Receivables [Abstract] |
Allowance for Loan Losses | The following tables represent, by loan portfolio segment, a summary of changes in the ACL on loans for the three months ended September 30, 2020 and 2019:
|  | Three Months Ended September 30, 2020
|  | Commercial |  | Real Estate |  | Mortgage Warehouse |  | Consumer |  | Total
Balance, beginning of period |  | $ | 39,147 |  |  | $ | 5,832 |  |  | $ | 1,190 |  |  | $ | 8,921 |  |  | $ | 55,090 |
Provision for credit losses on loans |  | 1,136 |  |  | (232) |  |  | 60 |  |  | 1,088 |  |  | 2,052 |
Charge–offs |  | (502) |  |  | (144) |  |  | — |  |  | (510) |  |  | (1,156) |
Recoveries |  | 14 |  |  | 8 |  |  | — |  |  | 311 |  |  | 333 |
Balance, end of period |  | $ | 39,795 |  |  | $ | 5,464 |  |  | $ | 1,250 |  |  | $ | 9,810 |  |  | $ | 56,319 |
|  | Three Months Ended September 30, 2019
|  | Commercial |  | Real Estate |  | Mortgage Warehouse |  | Consumer |  | Total
Balance, beginning of period |  | $ | 11,881 |  |  | $ | 1,732 |  |  | $ | 1,040 |  |  | $ | 3,652 |  |  | $ | 18,305 |
Provision for credit losses on loans |  | 393 |  |  | (290) |  |  | 1 |  |  | 272 |  |  | 376 |
Charge–offs |  | (224) |  |  | — |  |  | — |  |  | (758) |  |  | (982) |
Recoveries |  | 32 |  |  | 7 |  |  | — |  |  | 218 |  |  | 257 |
Balance, end of period |  | $ | 12,082 |  |  | $ | 1,449 |  |  | $ | 1,041 |  |  | $ | 3,384 |  |  | $ | 17,956 |
The following tables represent, by loan portfolio segment, a summary of changes in the ACL on loans for the nine months ended September 30, 2020 and 2019:
|  | Nine Months Ended September 30, 2020
|  | Commercial |  | Real Estate |  | Mortgage Warehouse |  | Consumer |  | Total
Balance, beginning of period |  | $ | 11,996 |  |  | $ | 923 |  |  | $ | 1,077 |  |  | $ | 3,671 |  |  | $ | 17,667 |
Impact of adopting ASC 326 |  | 10,832 |  |  | 4,048 |  |  | — |  |  | 4,911 |  |  | 19,791 |
Initial PCD allowance |  | 2,786 |  |  | — |  |  | — |  |  | — |  |  | 2,786 |
Provision for credit losses on loans |  | 14,655 |  |  | 670 |  |  | 173 |  |  | 2,211 |  |  | 17,709 |
Charge–offs |  | (586) |  |  | (204) |  |  | — |  |  | (1,654) |  |  | (2,444) |
Recoveries |  | 112 |  |  | 27 |  |  | — |  |  | 671 |  |  | 810 |
Balance, end of period |  | $ | 39,795 |  |  | $ | 5,464 |  |  | $ | 1,250 |  |  | $ | 9,810 |  |  | $ | 56,319 |
|  | Nine Months Ended September 30, 2019
|  | Commercial |  | Real Estate |  | Mortgage Warehouse |  | Consumer |  | Total
Balance, beginning of period |  | $ | 10,495 |  |  | $ | 1,676 |  |  | $ | 1,006 |  |  | $ | 4,643 |  |  | $ | 17,820 |
Provision for credit losses on loans |  | 2,105 |  |  | (220) |  |  | 35 |  |  | (284) |  |  | 1,636 |
Charge–offs |  | (640) |  |  | (48) |  |  | — |  |  | (1,669) |  |  | (2,357) |
Recoveries |  | 122 |  |  | 41 |  |  | — |  |  | 694 |  |  | 857 |
Balance, end of period |  | $ | 12,082 |  |  | $ | 1,449 |  |  | $ | 1,041 |  |  | $ | 3,384 |  |  | $ | 17,956 |
Allowance for Loan Losses and Recorded Investment in Loans by Portfolio Segment | The following table presents the balance in the allowance for credit loss and the recorded investment in loans, by portfolio segment, and based on impairment analysis as of December 31, 2019:
| December 31, 2019
| Commercial |  | Real Estate |  | Mortgage Warehousing |  | Consumer |  | Total
Allowance For Loan Losses |  |  |  |  |  |  |  |  |
Ending allowance balance attributable to loans: |  |  |  |  |  |  |  |  |
Individually evaluated for impairment | $ | 541 |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | 541 |
Collectively evaluated for impairment | 11,455 |  |  | 923 |  |  | 1,077 |  |  | 3,671 |  |  | 17,126 |
Loans acquired with deteriorated credit quality | — |  |  | — |  |  | — |  |  | — |  |  | — |
Total ending allowance balance | $ | 11,996 |  |  | $ | 923 |  |  | $ | 1,077 |  |  | $ | 3,671 |  |  | $ | 17,667 |
Loans: |  |  |  |  |  |  |  |  |
Individually evaluated for impairment | $ | 7,347 |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | 7,347 |
Collectively evaluated for impairment | 2,040,299 |  |  | 770,705 |  |  | 150,293 |  |  | 665,952 |  |  | 3,627,249 |
Loans acquired with deteriorated credit quality | — |  |  | — |  |  | — |  |  | — |  |  | — |
Total ending loans balance | $ | 2,047,646 |  |  | $ | 770,705 |  |  | $ | 150,293 |  |  | $ | 665,952 |  |  | $ | 3,634,596 |

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- Definition Tabular disclosure of allowance for credit loss on financing receivable. + References Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef -Publisher FASB -Name Accounting Standards Codification -Topic 310 -SubTopic 10 -Section 50 -Paragraph 11B -URI http://asc.fasb.org/extlink&oid=118936363&loc=SL6953423-111524 Reference 2: http://www.xbrl.org/2009/role/commonPracticeRef -Publisher FASB -Name Accounting Standards Codification -Topic 326 -SubTopic 20 -Section 50 -Paragraph 13 -URI http://asc.fasb.org/extlink&oid=119407570&loc=SL82919249-210447 + Details
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