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LOANS AND CREDIT QUALITY | 6 Months Ended
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Jun. 30, 2022
Receivables [Abstract] |
LOANS AND CREDIT QUALITY | 4. LOANS AND CREDIT QUALITY The following table presents loans by class, excluding loans held for sale, net of ACL as of June 30, 2023 and December 31, 2022:
(dollars in thousands) | June 30, 2023 |  | December 31, 2022
Commercial, financial and agricultural: |  |  |
SBA PPP | $ | 1,615 |  |  | $ | 2,654 |
Other | 543,775 |  |  | 544,495 |
Real estate: |  |  |
Construction | 201,426 |  |  | 167,366 |
Residential mortgage | 1,942,272 |  |  | 1,940,456 |
Home equity | 748,704 |  |  | 737,386 |
Commercial mortgage | 1,369,329 |  |  | 1,364,998 |
Consumer | 713,630 |  |  | 798,957 |
Gross loans | 5,520,751 |  |  | 5,556,312 |
Net deferred fees and costs | (68) |  |  | (846) |
Total loans, net of deferred fees and costs | 5,520,683 |  |  | 5,555,466 |
Allowance for credit losses | (63,849) |  |  | (63,738) |
Total loans, net of allowance for credit losses | $ | 5,456,834 |  |  | $ | 5,491,728 |
The Company did not transfer any loans to the held-for-sale category during the three and six months ended June 30, 2023 and 2022. The Company did not sell any loans originally held for investment during the three and six months ended June 30, 2023 and 2022. As of June 30, 2023 and December 31, 2022, the Company did not have any loans categorized as purchased credit deteriorated ("PCD"). The following tables present loans purchased by class during the periods presented:
| Three Months Ended June 30, 2023 |  | Three Months Ended June 30, 2022
(dollars in thousands) | U.S. Mainland Consumer - Unsecured |  | U.S. Mainland Consumer - Automobile |  | Total |  | U.S. Mainland Consumer - Unsecured |  | U.S. Mainland Consumer - Automobile |  | Total
Purchases: |  |  |  |  |  |  |  |  |  |  |
Outstanding balance | $ | 152 |  |  | $ | — |  |  | $ | 152 |  |  | $ | 56,624 |  |  | $ | 30,866 |  |  | $ | 87,490 |
(Discount) premium | — |  |  | — |  |  | — |  |  | (3,043) |  |  | 1,543 |  |  | (1,500) |
Purchase price | $ | 152 |  |  | $ | — |  |  | $ | 152 |  |  | $ | 53,581 |  |  | $ | 32,409 |  |  | $ | 85,990 |
| Six Months Ended June 30, 2023 |  | Six Months Ended June 30, 2022
| U.S. Mainland Consumer - Unsecured |  | U.S. Mainland Consumer - Automobile |  | Total |  | U.S. Mainland Consumer - Unsecured |  | U.S. Mainland Consumer - Automobile |  | Total
Purchases: |  |  |  |  |  |  |  |  |  |  |
Outstanding balance | $ | 3,932 |  |  | $ | 15,159 |  |  | $ | 19,091 |  |  | $ | 104,766 |  |  | $ | 64,890 |  |  | $ | 169,656 |
(Discount) premium | — |  |  | 568 |  |  | 568 |  |  | (7,410) |  |  | 3,457 |  |  | (3,953) |
Purchase price | $ | 3,932 |  |  | $ | 15,727 |  |  | $ | 19,659 |  |  | $ | 97,356 |  |  | $ | 68,347 |  |  | $ | 165,703 |
Foreclosure Proceedings The Company had $1.4 million and $2.4 million of residential mortgage loans collateralized by residential real estate property that were in the process of foreclosure at June 30, 2023 and December 31, 2022, respectively. The Company also had $0.1 million of commercial real estate loans collateralized by commercial real estate that were in the process of foreclosure at June 30, 2023. There were no commercial real estate loans in the process of foreclosure at December 31, 2022, respectively. The Company did not foreclose on any loans during the three and six months ended June 30, 2023 and 2022. The Company did not sell any foreclosed properties during the three and six months ended June 30, 2023 and 2022. Nonaccrual and Past Due Loans For all loan types, the Company determines delinquency status by considering the number of days full payments required by the contractual terms of the loan are past due. The following tables present by class, the aging of the recorded investment in past due loans as of June 30, 2023 and December 31, 2022. The following tables also present the amortized cost of loans on nonaccrual status for which there was no related ACL under ASC 326 as of June 30, 2023 and December 31, 2022.
(dollars in thousands) | Accruing Loans 30 - 59 Days Past Due |  | Accruing Loans 60 - 89 Days Past Due |  | Accruing Loans Greater Than 90 Days Past Due |  | Nonaccrual Loans |  | Total Past Due and Nonaccrual |  | Loans Not Past Due |  | Total Loans |  | Nonaccrual Loans With No ACL
June 30, 2023 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial, financial and agricultural: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
SBA PPP | $ | 5 |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | 5 |  |  | $ | 1,560 |  |  | $ | 1,565 |  |  | $ | — |
Other | 454 |  |  | 98 |  |  | — |  |  | 319 |  |  | 871 |  |  | 542,722 |  |  | 543,593 |  |  | — |
Real estate: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Construction | — |  |  | — |  |  | — |  |  | 4,851 |  |  | 4,851 |  |  | 195,968 |  |  | 200,819 |  |  | 4,851 |
Residential mortgage | — |  |  | 2,941 |  |  | 959 |  |  | 4,385 |  |  | 8,285 |  |  | 1,934,621 |  |  | 1,942,906 |  |  | 4,385 |
Home equity | 1,623 |  |  | 178 |  |  | 133 |  |  | 797 |  |  | 2,731 |  |  | 748,029 |  |  | 750,760 |  |  | 797 |
Commercial mortgage | — |  |  | — |  |  | — |  |  | 77 |  |  | 77 |  |  | 1,367,485 |  |  | 1,367,562 |  |  | 77 |
Consumer | 4,124 |  |  | 1,546 |  |  | 2,207 |  |  | 632 |  |  | 8,509 |  |  | 704,969 |  |  | 713,478 |  |  | — |
Total | $ | 6,206 |  |  | $ | 4,763 |  |  | $ | 3,299 |  |  | $ | 11,061 |  |  | $ | 25,329 |  |  | $ | 5,495,354 |  |  | $ | 5,520,683 |  |  | $ | 10,110 |
(dollars in thousands) | Accruing Loans 30 - 59 Days Past Due |  | Accruing Loans 60 - 89 Days Past Due |  | Accruing Loans Greater Than 90 Days Past Due |  | Nonaccrual Loans |  | Total Past Due and Nonaccrual |  | Loans Not Past Due |  | Total Loans |  | Nonaccrual Loans With No ACL
December 31, 2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial, financial and agricultural: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
SBA PPP | $ | 471 |  |  | $ | 37 |  |  | $ | 13 |  |  | $ | — |  |  | $ | 521 |  |  | $ | 2,034 |  |  | $ | 2,555 |  |  | $ | — |
Other | 546 |  |  | 131 |  |  | 26 |  |  | 297 |  |  | 1,000 |  |  | 542,947 |  |  | 543,947 |  |  | — |
Real estate: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Construction | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 166,723 |  |  | 166,723 |  |  | — |
Residential mortgage | 303 |  |  | — |  |  | 559 |  |  | 3,808 |  |  | 4,670 |  |  | 1,936,329 |  |  | 1,940,999 |  |  | 3,808 |
Home equity | 1,540 |  |  | — |  |  | — |  |  | 570 |  |  | 2,110 |  |  | 737,270 |  |  | 739,380 |  |  | 570 |
Commercial mortgage | 160 |  |  | — |  |  | — |  |  | — |  |  | 160 |  |  | 1,362,915 |  |  | 1,363,075 |  |  | — |
Consumer | 5,173 |  |  | 1,921 |  |  | 1,240 |  |  | 576 |  |  | 8,910 |  |  | 789,877 |  |  | 798,787 |  |  | — |
Total | $ | 8,193 |  |  | $ | 2,089 |  |  | $ | 1,838 |  |  | $ | 5,251 |  |  | $ | 17,371 |  |  | $ | 5,538,095 |  |  | $ | 5,555,466 |  |  | $ | 4,378 |
Collateral-Dependent Loans In accordance with ASC 326, a loan is considered collateral-dependent when the borrower is experiencing financial difficulty and repayment is expected to be provided substantially through the operation or sale of the collateral. The following tables present the amortized cost basis of collateral-dependent loans by class, which are individually evaluated to determine expected credit losses, and the related ACL allocated to these loans as of June 30, 2023 and December 31, 2022:
(dollars in thousands) | Secured by 1-4 Family Residential Properties |  | Secured by Nonfarm Nonresidential Properties |  | Secured by Real Estate and Business Assets |  |  |  | Total |  | Allocated ACL
June 30, 2023 |  |  |  |  |  |  |  |  |  |  |
Real estate: |  |  |  |  |  |  |  |  |  |  |
Construction | $ | — |  |  | $ | 4,851 |  |  | $ | — |  |  |  |  | $ | 4,851 |  |  | $ | — |
Residential mortgage | 5,832 |  |  | — |  |  | — |  |  |  |  | 5,832 |  |  | — |
Home equity | 797 |  |  | — |  |  | — |  |  |  |  | 797 |  |  | — |
Commercial mortgage | — |  |  | 77 |  |  | — |  |  |  |  | 77 |  |  | — |
Total | $ | 6,629 |  |  | $ | 4,928 |  |  | $ | — |  |  |  |  | $ | 11,557 |  |  | $ | — |
(dollars in thousands) | Secured by 1-4 Family Residential Properties |  | Secured by Nonfarm Nonresidential Properties |  | Secured by Real Estate and Business Assets |  |  |  | Total |  | Allocated ACL
December 31, 2022 |  |  |  |  |  |  |  |  |  |  |
Real estate: |  |  |  |  |  |  |  |  |  |  |
Residential mortgage | $ | 5,653 |  |  | $ | — |  |  | $ | — |  |  |  |  | $ | 5,653 |  |  | $ | — |
Home equity | 570 |  |  | — |  |  | — |  |  |  |  | 570 |  |  | — |
Total | $ | 6,223 |  |  | $ | — |  |  | $ | — |  |  |  |  | $ | 6,223 |  |  | $ | — |
Loan Modifications for Borrowers Experiencing Financial Difficulty Since the adoption of ASU 2022-02 on January 1, 2023 and d uring the three and six months ended June 30, 2023, t he Company has not modified any material loans for borrowers experiencing financial difficulty. Troubled Debt Restructurings Prior to the Adoption of ASU 2022-02 Prior to our adoption of ASU 2022-02, we accounted for a modification to the contractual terms of a loan that resulted in granting a concession to a borrower experiencing financial difficulties as a troubled debt restructuring ("TDR"). Loans identified as TDRs prior to our adoption of ASU 2022-02 included in nonperforming assets at June 30, 2023 consisted of five Hawaii loans with a principal balance of $1.0 million. There were $2.3 million of loans identified as TDRs prior to our adoption of ASU 2022-02 that were still accruing interest at June 30, 2023, none of which were more than 90 days delinquent. At December 31, 2022, there were $2.8 million of loans identified as TDRs prior to our adoption of ASU 2022-02 that were still accruing interest, none of which were more than 90 days delinquent. The Company offered various types of concessions when modifying a loan. Concessions made to the original contractual terms of the loan typically consisted of the deferral of interest and/or principal payments due to deterioration in the borrowers' financial condition. In these cases, the principal balance on the TDR had matured and/or was in default at the time of restructure, and there were no commitments to lend additional funds to the borrower during the three and six months ended June 30, 2023 and 2022.
During the three and six months ended June 30, 2022, the Company did not modify any loans as a TDR prior to the adoption of ASU 2022-02.
No loans were modified as a TDR prior to the adoption of ASU 2022-02 within the previous twelve months that subsequently defaulted during the three and six months ended June 30, 2023 and 2022. Credit Quality Indicators The Company categorizes loans into risk categories based on relevant information about the ability of borrowers to service their debt such as current financial information, historical payment experience, credit documentation, public information, and current economic trends, among other factors. The Company analyzes loans individually by classifying the loans by credit risk. This analysis includes non-homogeneous loans, such as commercial and commercial real estate loans. This analysis is performed on a quarterly basis. The Company uses the following definitions for risk rating of loans. Loans that do not meet the following criteria that are analyzed individually as part of the described process are considered to be pass-rated loans. Special Mention. Loans classified as special mention, while still adequately protected by the borrower's capital adequacy and payment capability, exhibit distinct weakening trends and/or elevated levels of exposure to external conditions. If left unchecked or uncorrected, these potential weaknesses may result in deteriorated prospects of repayment. These exposures require management's close attention so as to avoid becoming undue or unwarranted credit exposures. Substandard. Loans classified as substandard are inadequately protected by the borrower's current financial condition and payment capability or of the collateral pledged, if any. These loans have a well-defined weakness or weaknesses that jeopardize the orderly repayment of debt. They are characterized by the distinct possibility that the Bank will sustain some loss if the deficiencies are not corrected. Doubtful. Loans classified as doubtful have all the weaknesses inherent in those classified as substandard, and in addition have weaknesses that make collection or orderly repayment in full on the basis of current existing facts, conditions and values, highly questionable and improbable. Although the possibility of loss is extremely high, its classification as an estimated loss is deferred until a more exact status may be determined due to certain important and reasonably specific factors that may work to the advantage and strengthening of the exposure. Loss. Loans classified as loss are considered to be non-collectible and of such little value that their continuance as bankable assets is not warranted. This does not mean the loan has absolutely no recovery value, but rather it is neither practical nor desirable to defer writing off the loan, even though partial recovery may be obtained in the future. Losses are taken in the period in which they surface as uncollectible. The following tables present the amortized cost basis of the Company's loans by class, credit quality indicator and origination year as of June 30, 2023 and December 31, 2022. Revolving loans converted to term as of and during the three and six months ended June 30, 2023 and 2022 were not material to the total loan portfolio. In addition, the following table includes gross charge-offs of loans by origination year in the six months ended June 30, 2023.
(dollars in thousands) |  | Amortized Cost of Term Loans by Year of Origination |  | Amortized Cost of Revolving Loans |  |
June 30, 2023 |  | 2023 |  | 2022 |  | 2021 |  | 2020 |  | 2019 |  | Prior |  |  | Total
Commercial, financial and agricultural - SBA PPP: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Risk Rating |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass |  | $ | — |  |  | $ | — |  |  | $ | 1,558 |  |  | $ | 7 |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | 1,565 |
Subtotal |  | — |  |  | — |  |  | 1,558 |  |  | 7 |  |  | — |  |  | — |  |  | — |  |  | 1,565 |
Commercial, financial and agricultural - Other: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Risk Rating |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass |  | 28,074 |  |  | 88,909 |  |  | 96,370 |  |  | 36,582 |  |  | 45,644 |  |  | 164,349 |  |  | 71,833 |  |  | 531,761 |
Special Mention |  | — |  |  | 1,025 |  |  | 933 |  |  | 389 |  |  | 763 |  |  | 1 |  |  | — |  |  | 3,111 |
Substandard |  | — |  |  | 194 |  |  | 364 |  |  | 740 |  |  | 213 |  |  | 7,115 |  |  | 95 |  |  | 8,721 |
Subtotal |  | 28,074 |  |  | 90,128 |  |  | 97,667 |  |  | 37,711 |  |  | 46,620 |  |  | 171,465 |  |  | 71,928 |  |  | 543,593 |
Construction: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Risk Rating |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass |  | 3,392 |  |  | 54,815 |  |  | 71,645 |  |  | 17,343 |  |  | 2,339 |  |  | 31,491 |  |  | 13,854 |  |  | 194,879 |
Substandard |  | — |  |  | — |  |  | 5,260 |  |  | — |  |  | 680 |  |  | — |  |  | — |  |  | 5,940 |
Subtotal |  | 3,392 |  |  | 54,815 |  |  | 76,905 |  |  | 17,343 |  |  | 3,019 |  |  | 31,491 |  |  | 13,854 |  |  | 200,819 |
Residential mortgage: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Risk Rating |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass |  | 56,266 |  |  | 273,298 |  |  | 626,257 |  |  | 424,951 |  |  | 148,026 |  |  | 407,541 |  |  | — |  |  | 1,936,339 |
Special Mention |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 288 |  |  | — |  |  | 288 |
Substandard |  | — |  |  | 1,077 |  |  | — |  |  | 935 |  |  | 822 |  |  | 3,445 |  |  | — |  |  | 6,279 |
Subtotal |  | 56,266 |  |  | 274,375 |  |  | 626,257 |  |  | 425,886 |  |  | 148,848 |  |  | 411,274 |  |  | — |  |  | 1,942,906 |
Home equity: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Risk Rating |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass |  | 6,159 |  |  | 33,821 |  |  | 22,328 |  |  | 9,767 |  |  | 6,632 |  |  | 17,969 |  |  | 653,154 |  |  | 749,830 |
Substandard |  | — |  |  | — |  |  | — |  |  | — |  |  | 73 |  |  | 857 |  |  | — |  |  | 930 |
Subtotal |  | 6,159 |  |  | 33,821 |  |  | 22,328 |  |  | 9,767 |  |  | 6,705 |  |  | 18,826 |  |  | 653,154 |  |  | 750,760 |
Commercial mortgage: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Risk Rating |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass |  | 30,227 |  |  | 237,434 |  |  | 204,823 |  |  | 117,919 |  |  | 113,677 |  |  | 608,900 |  |  | 8,356 |  |  | 1,321,336 |
Special Mention |  | — |  |  | — |  |  | — |  |  | — |  |  | 10,950 |  |  | 11,690 |  |  | — |  |  | 22,640 |
Substandard |  | — |  |  | — |  |  | 11,627 |  |  | — |  |  | 1,677 |  |  | 10,282 |  |  | — |  |  | 23,586 |
Subtotal |  | 30,227 |  |  | 237,434 |  |  | 216,450 |  |  | 117,919 |  |  | 126,304 |  |  | 630,872 |  |  | 8,356 |  |  | 1,367,562 |
Consumer: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Risk Rating |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass |  | 39,595 |  |  | 317,273 |  |  | 194,537 |  |  | 46,587 |  |  | 38,114 |  |  | 18,684 |  |  | 55,851 |  |  | 710,641 |
Substandard |  | 4 |  |  | 103 |  |  | 148 |  |  | 161 |  |  | 163 |  |  | 1,161 |  |  | 3 |  |  | 1,743 |
Loss |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 1,094 |  |  | — |  |  | 1,094 |
Subtotal |  | 39,599 |  |  | 317,376 |  |  | 194,685 |  |  | 46,748 |  |  | 38,277 |  |  | 20,939 |  |  | 55,854 |  |  | 713,478 |
Total |  | $ | 163,717 |  |  | $ | 1,007,949 |  |  | $ | 1,235,850 |  |  | $ | 655,381 |  |  | $ | 369,773 |  |  | $ | 1,284,867 |  |  | $ | 803,146 |  |  | $ | 5,520,683 |
(dollars in thousands) |  | Gross Charge-Offs by Year of Origination |  | Amortized Cost of Revolving Loans |  |
Six Months Ended June 30, 2023 |  | 2023 |  | 2022 |  | 2021 |  | 2020 |  | 2019 |  | Prior |  |  | Total
Commercial, financial and agricultural: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Other |  | $ | — |  |  | $ | 212 |  |  | $ | 88 |  |  | $ | — |  |  | $ | 207 |  |  | $ | 634 |  |  | $ | — |  |  | $ | 1,141 |
Consumer |  | — |  |  | 2,745 |  |  | 2,730 |  |  | 345 |  |  | 409 |  |  | 330 |  |  | — |  |  | 6,559 |
Year-to-date gross charge-offs |  | $ | — |  |  | $ | 2,957 |  |  | $ | 2,818 |  |  | $ | 345 |  |  | $ | 616 |  |  | $ | 964 |  |  | $ | — |  |  | $ | 7,700 |
(dollars in thousands) |  | Amortized Cost of Term Loans by Year of Origination |  | Amortized Cost of Revolving Loans |  |
December 31, 2022 |  | 2022 |  | 2021 |  | 2020 |  | 2019 |  | 2018 |  | Prior |  |  | Total
Commercial, financial and agricultural - SBA PPP: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Risk Rating |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass |  | $ | — |  |  | $ | 2,546 |  |  | $ | 9 |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | 2,555 |
Subtotal |  | — |  |  | 2,546 |  |  | 9 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 2,555 |
Commercial, financial and agricultural - Other: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Risk Rating |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass |  | 77,550 |  |  | 101,595 |  |  | 41,358 |  |  | 53,241 |  |  | 39,106 |  |  | 141,950 |  |  | 76,466 |  |  | 531,266 |
Special Mention |  | 2,206 |  |  | 350 |  |  | 172 |  |  | 1,011 |  |  | 29 |  |  | — |  |  | 99 |  |  | 3,867 |
Substandard |  | 188 |  |  | 176 |  |  | 833 |  |  | 256 |  |  | 116 |  |  | 7,215 |  |  | 30 |  |  | 8,814 |
Subtotal |  | 79,944 |  |  | 102,121 |  |  | 42,363 |  |  | 54,508 |  |  | 39,251 |  |  | 149,165 |  |  | 76,595 |  |  | 543,947 |
Construction: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Risk Rating |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass |  | 25,663 |  |  | 61,027 |  |  | 23,384 |  |  | 2,387 |  |  | 14,309 |  |  | 18,048 |  |  | 15,044 |  |  | 159,862 |
Special Mention |  | — |  |  | 417 |  |  | — |  |  | — |  |  | 898 |  |  | — |  |  | — |  |  | 1,315 |
Substandard |  | — |  |  | 4,850 |  |  | — |  |  | 696 |  |  | — |  |  | — |  |  | — |  |  | 5,546 |
Subtotal |  | 25,663 |  |  | 66,294 |  |  | 23,384 |  |  | 3,083 |  |  | 15,207 |  |  | 18,048 |  |  | 15,044 |  |  | 166,723 |
Residential mortgage: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Risk Rating |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass |  | 279,146 |  |  | 636,756 |  |  | 434,928 |  |  | 154,906 |  |  | 58,431 |  |  | 371,517 |  |  | — |  |  | 1,935,684 |
Substandard |  | — |  |  | — |  |  | 948 |  |  | — |  |  | 503 |  |  | 3,864 |  |  | — |  |  | 5,315 |
Subtotal |  | 279,146 |  |  | 636,756 |  |  | 435,876 |  |  | 154,906 |  |  | 58,934 |  |  | 375,381 |  |  | — |  |  | 1,940,999 |
Home equity: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Risk Rating |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass |  | 34,973 |  |  | 23,772 |  |  | 10,520 |  |  | 7,463 |  |  | 6,880 |  |  | 11,727 |  |  | 643,277 |  |  | 738,612 |
Special Mention |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 198 |  |  | 198 |
Substandard |  | — |  |  | — |  |  | — |  |  | — |  |  | 78 |  |  | 453 |  |  | 39 |  |  | 570 |
Subtotal |  | 34,973 |  |  | 23,772 |  |  | 10,520 |  |  | 7,463 |  |  | 6,958 |  |  | 12,180 |  |  | 643,514 |  |  | 739,380 |
Commercial mortgage: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Risk Rating |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass |  | 226,137 |  |  | 208,230 |  |  | 119,531 |  |  | 129,950 |  |  | 145,932 |  |  | 472,267 |  |  | 11,473 |  |  | 1,313,520 |
Special Mention |  | — |  |  | — |  |  | — |  |  | 11,388 |  |  | — |  |  | 16,082 |  |  | — |  |  | 27,470 |
Substandard |  | — |  |  | 10,149 |  |  | — |  |  | 1,700 |  |  | 2,133 |  |  | 8,103 |  |  | — |  |  | 22,085 |
Consumer: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Risk Rating |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass |  | 358,609 |  |  | 242,942 |  |  | 59,352 |  |  | 50,899 |  |  | 20,065 |  |  | 10,958 |  |  | 54,038 |  |  | 796,863 |
Special Mention |  | — |  |  | — |  |  | — |  |  | 113 |  |  | — |  |  | — |  |  | — |  |  | 113 |
Substandard |  | 1 |  |  | 261 |  |  | 91 |  |  | 126 |  |  | 42 |  |  | 790 |  |  | — |  |  | 1,311 |
Loss |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 500 |  |  | — |  |  | 500 |
Subtotal |  | 358,610 |  |  | 243,203 |  |  | 59,443 |  |  | 51,138 |  |  | 20,107 |  |  | 12,248 |  |  | 54,038 |  |  | 798,787 |
Total |  | $ | 1,004,473 |  |  | $ | 1,293,071 |  |  | $ | 691,126 |  |  | $ | 414,136 |  |  | $ | 288,522 |  |  | $ | 1,063,474 |  |  | $ | 800,664 |  |  | $ | 5,555,466 |

X
- Definition The entire disclosure for claims held for amounts due a entity, excluding financing receivables. Examples include, but are not limited to, trade accounts receivables, notes receivables, loans receivables. Includes disclosure for allowance for credit losses. + References Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef -Topic 310 -SubTopic 10 -Name Accounting Standards Codification -Publisher FASB -URI https://asc.fasb.org//310-10/tableOfContent + Details
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X
- References No definition available. + Details
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Namespace Prefix: | us-gaap_
Data Type: | xbrli:stringItemType
Balance Type: | na
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