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ALLOWANCE FOR CREDIT LOSSES AND RESERVE FOR OFF-BALANCE SHEET CREDIT EXPOSURES (Details) - USD ($) $ in Thousands | 3 Months Ended | 9 Months Ended
--- | --- | ---
Sep. 30, 2024 | Sep. 30, 2023 | Sep. 30, 2024 | Sep. 30, 2023
Changes in the allowance |  |  |  |
Beginning balance | $ 62,225 | $ 63,849 | $ 63,934 | $ 63,738
Provision (credit) for credit losses on loans | 3,040 | 4,526 | 9,609 | 10,276
Subtotal | 65,265 | 68,375 | 73,543 | 74,014
Charge-offs | (4,718) | (5,112) | (15,386) | (12,812)
Recoveries | 1,100 | 1,254 | 3,490 | 3,315
Net (charge-offs) recoveries | (3,618) | (3,858) | (11,896) | (9,497)
Ending balance | 61,647 | 64,517 | 61,647 | 64,517
Commercial and Industrial |  |  |  |
Changes in the allowance |  |  |  |
Beginning balance | 7,071 | 6,946 | 7,181 | 6,824
Provision (credit) for credit losses on loans | 617 | (330) | 1,488 | 558
Subtotal | 7,688 | 6,616 | 8,669 | 7,382
Charge-offs | (663) | (402) | (1,864) | (1,543)
Recoveries | 158 | 261 | 378 | 636
Net (charge-offs) recoveries | (505) | (141) | (1,486) | (907)
Ending balance | 7,183 | 6,475 | 7,183 | 6,475
Consumer |  |  |  |
Changes in the allowance |  |  |  |
Beginning balance | 14,801 | 19,686 | 17,079 | 20,227
Provision (credit) for credit losses on loans | 2,757 | 1,351 | 7,515 | 5,758
Subtotal | 17,558 | 21,037 | 24,594 | 25,985
Charge-offs | (3,956) | (4,710) | (13,139) | (11,269)
Recoveries | 934 | 982 | 3,081 | 2,593
Net (charge-offs) recoveries | (3,022) | (3,728) | (10,058) | (8,676)
Ending balance | 14,536 | 17,309 | 14,536 | 17,309
Construction | Real Estate |  |  |  |
Changes in the allowance |  |  |  |
Beginning balance | 3,798 | 3,654 | 4,004 | 2,867
Provision (credit) for credit losses on loans | (1,230) | 953 | (1,436) | 1,740
Subtotal | 2,568 | 4,607 | 2,568 | 4,607
Charge-offs | 0 | 0 | 0 | 0
Recoveries | 0 | 1 | 0 | 1
Net (charge-offs) recoveries | 0 | 1 | 0 | 1
Ending balance | 2,568 | 4,608 | 2,568 | 4,608
Residential Mortgage | Real Estate |  |  |  |
Changes in the allowance |  |  |  |
Beginning balance | 15,389 | 12,233 | 14,626 | 11,804
Provision (credit) for credit losses on loans | 1,052 | 1,727 | 2,082 | 2,096
Subtotal | 16,441 | 13,960 | 16,708 | 13,900
Charge-offs | (99) | 0 | (383) | 0
Recoveries | 8 | 10 | 25 | 70
Net (charge-offs) recoveries | (91) | 10 | (358) | 70
Ending balance | 16,350 | 13,970 | 16,350 | 13,970
Home Equity | Real Estate |  |  |  |
Changes in the allowance |  |  |  |
Beginning balance | 3,829 | 3,965 | 3,501 | 4,114
Provision (credit) for credit losses on loans | (1,360) | (913) | (1,038) | (1,077)
Subtotal | 2,469 | 3,052 | 2,463 | 3,037
Charge-offs | 0 | 0 | 0 | 0
Recoveries | 0 | 0 | 6 | 15
Net (charge-offs) recoveries | 0 | 0 | 6 | 15
Ending balance | 2,469 | 3,052 | 2,469 | 3,052
Commercial Mortgage | Real Estate |  |  |  |
Changes in the allowance |  |  |  |
Beginning balance | 17,337 | 17,365 | 17,543 | 17,902
Provision (credit) for credit losses on loans | 1,204 | 1,738 | 998 | 1,201
Subtotal | 18,541 | 19,103 | 18,541 | 19,103
Charge-offs | 0 | 0 | 0 | 0
Recoveries | 0 | 0 | 0 | 0
Net (charge-offs) recoveries | 0 | 0 | 0 | 0
Ending balance | $ 18,541 | $ 19,103 | $ 18,541 | $ 19,103

X
- Definition Reflects the amount of loans and leases that have been removed or charged-off from both loan receivables and the reserve for credit losses, net of any recoveries of previously removed or charged-off credit losses. + References No definition available. + Details
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- Definition Represents the balance in the allowance for loans and leases receivable after providing for estimated losses but before reflecting the write-off or recovery of bad debts. + References No definition available. + Details
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- Definition Provision (Credit) For Loan And Lease Losses, Excluding Provision For Credit Losses On Accrued Interest Receivable + References No definition available. + Details
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- Definition Amount of recovery of loans and lease receivables which had previously been fully or partially written-off as bad debts. + References Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef -Name Accounting Standards Codification -Section 50 -Paragraph 11B -Subparagraph (c)(4) -SubTopic 10 -Topic 310 -Publisher FASB -URI https://asc.fasb.org//1943274/2147481962/310-10-50-11B + Details
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- Definition Amount of loans and leases that have been written off from both loan receivables and allowance reserve for credit loss. + References Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef -Name Accounting Standards Codification -Section 50 -Paragraph 11B -Subparagraph (c)(3) -SubTopic 10 -Topic 310 -Publisher FASB -URI https://asc.fasb.org//1943274/2147481962/310-10-50-11B + Details
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- Definition Amount of allowance to cover probable credit losses on loans and leases. Includes carryover of or adjustments to the allowance for loan losses in connection with business combinations. Excludes allowance for loans and leases covered under loss sharing agreements. + References Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef -Name Accounting Standards Codification -Topic 310 -SubTopic 30 -Section 50 -Paragraph 2 -Subparagraph (b)(1)(ii) -Publisher FASB -URI https://asc.fasb.org//1943274/2147481696/310-30-50-2 Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef -Name Accounting Standards Codification -Section 50 -Paragraph 11B -Subparagraph (c)(1) -SubTopic 10 -Topic 310 -Publisher FASB -URI https://asc.fasb.org//1943274/2147481962/310-10-50-11B Reference 3: http://fasb.org/us-gaap/role/ref/legacyRef -Name Accounting Standards Codification -Section 50 -Paragraph 11B -Subparagraph (g) -SubTopic 10 -Topic 310 -Publisher FASB -URI https://asc.fasb.org//1943274/2147481962/310-10-50-11B Reference 4: http://www.xbrl.org/2009/role/commonPracticeRef -Name Accounting Standards Codification -Section S99 -Paragraph 4 -Subparagraph (SAB Topic 6.L.1) -SubTopic 10 -Topic 310 -Publisher FASB -URI https://asc.fasb.org//1943274/2147480418/310-10-S99-4 + Details
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