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ALLOWANCE FOR CREDIT LOSSES AND RESERVE FOR OFF-BALANCE SHEET CREDIT EXPOSURES | 6 Months Ended
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Jun. 30, 2025
ALLOWANCE FOR LOAN AND LEASE LOSSES |
ALLOWANCE FOR CREDIT LOSSES AND RESERVE FOR OFF-BALANCE SHEET CREDIT EXPOSURES | 4. ALLOWANCE FOR CREDIT LOSSES AND RESERVE FOR OFF-BALANCE SHEET CREDIT EXPOSURES The following tables present by segment, the activities in the ACL on loans during the periods presented:
(dollars in thousands) |  |  |  |  |  | Real Estate |  |  |  |  |  |
Three Months Ended June 30, 2025 |  |  |  |  |  | Commercial and Industrial |  | Construction |  | Residential Mortgage |  | Home Equity |  | Commercial Mortgage |  | Consumer |  |  |  | Total
Beginning balance |  |  |  |  |  | $ | 7,423 |  |  | $ | 2,282 |  |  | $ | 15,936 |  |  | $ | 1,808 |  |  | $ | 19,523 |  |  | $ | 13,497 |  |  |  |  | $ | 60,469 |
Provision (credit) for credit losses on loans |  |  |  |  |  | 2,480 |  |  | 1,078 |  |  | (2,065) |  |  | (768) |  |  | 742 |  |  | 2,343 |  |  |  |  | 3,810 |
Gross charge-offs |  |  |  |  |  | (2,858) |  |  | — |  |  | — |  |  | — |  |  | — |  |  | (2,864) |  |  |  |  | (5,722) |
Gross recoveries |  |  |  |  |  | 195 |  |  | 3 |  |  | 7 |  |  | 9 |  |  | — |  |  | 840 |  |  |  |  | 1,054 |
Net (charge-offs) recoveries |  |  |  |  |  | (2,663) |  |  | 3 |  |  | 7 |  |  | 9 |  |  | — |  |  | (2,024) |  |  |  |  | (4,668) |
Ending balance |  |  |  |  |  | $ | 7,240 |  |  | $ | 3,363 |  |  | $ | 13,878 |  |  | $ | 1,049 |  |  | $ | 20,265 |  |  | $ | 13,816 |  |  |  |  | $ | 59,611 |
(dollars in thousands) |  |  |  |  |  | Real Estate |  |  |  |  |  |
Three Months Ended June 30, 2024 |  |  |  |  |  | Commercial and Industrial |  | Construction |  | Residential Mortgage |  | Home Equity |  | Commercial Mortgage |  | Consumer |  |  |  | Total
Beginning balance |  |  |  |  |  | $ | 7,008 |  |  | $ | 3,619 |  |  | $ | 16,026 |  |  | $ | 3,733 |  |  | $ | 17,004 |  |  | $ | 16,142 |  |  |  |  | $ | 63,532 |
Provision (credit) for credit losses on loans |  |  |  |  |  | 452 |  |  | 179 |  |  | (362) |  |  | 96 |  |  | 333 |  |  | 1,750 |  |  |  |  | 2,448 |
Gross charge-offs |  |  |  |  |  | (519) |  |  | — |  |  | (284) |  |  | — |  |  | — |  |  | (4,345) |  |  |  |  | (5,148) |
Gross recoveries |  |  |  |  |  | 130 |  |  | — |  |  | 9 |  |  | — |  |  | — |  |  | 1,254 |  |  |  |  | 1,393 |
Net (charge-offs) recoveries |  |  |  |  |  | (389) |  |  | — |  |  | (275) |  |  | — |  |  | — |  |  | (3,091) |  |  |  |  | (3,755) |
Ending balance |  |  |  |  |  | $ | 7,071 |  |  | $ | 3,798 |  |  | $ | 15,389 |  |  | $ | 3,829 |  |  | $ | 17,337 |  |  | $ | 14,801 |  |  |  |  | $ | 62,225 |
(dollars in thousands) |  |  |  |  |  | Real Estate |  |  |  |  |  |
Six Months Ended June 30, 2025 |  |  |  |  |  | Commercial and Industrial |  | Construction |  | Residential Mortgage |  | Home Equity |  | Commercial Mortgage |  | Consumer |  |  |  | Total
Beginning balance |  |  |  |  |  | $ | 7,113 |  |  | $ | 2,316 |  |  | $ | 15,267 |  |  | $ | 2,335 |  |  | $ | 18,882 |  |  | $ | 13,269 |  |  |  |  | $ | 59,182 |
Provision (credit) for credit losses on loans |  |  |  |  |  | 3,199 |  |  | 1,044 |  |  | (1,406) |  |  | (1,298) |  |  | 1,383 |  |  | 4,793 |  |  |  |  | 7,715 |
Gross charge-offs |  |  |  |  |  | (3,438) |  |  | — |  |  | — |  |  | — |  |  | — |  |  | (5,841) |  |  |  |  | (9,279) |
Gross recoveries |  |  |  |  |  | 366 |  |  | 3 |  |  | 17 |  |  | 12 |  |  | — |  |  | 1,595 |  |  |  |  | 1,993 |
Net (charge-offs) recoveries |  |  |  |  |  | (3,072) |  |  | 3 |  |  | 17 |  |  | 12 |  |  | — |  |  | (4,246) |  |  |  |  | (7,286) |
Ending balance |  |  |  |  |  | $ | 7,240 |  |  | $ | 3,363 |  |  | $ | 13,878 |  |  | $ | 1,049 |  |  | $ | 20,265 |  |  | $ | 13,816 |  |  |  |  | $ | 59,611 |
(dollars in thousands) |  |  |  |  |  | Real Estate |  |  |  |  |  |
Six Months Ended June 30, 2024 |  |  |  |  |  | Commercial and Industrial |  | Construction |  | Residential Mortgage |  | Home Equity |  | Commercial Mortgage |  | Consumer |  |  |  | Total
Beginning balance |  |  |  |  |  | $ | 7,181 |  |  | $ | 4,004 |  |  | $ | 14,626 |  |  | $ | 3,501 |  |  | $ | 17,543 |  |  | $ | 17,079 |  |  |  |  | $ | 63,934 |
Provision (credit) for credit losses on loans |  |  |  |  |  | 871 |  |  | (206) |  |  | 1,030 |  |  | 322 |  |  | (206) |  |  | 4,758 |  |  |  |  | 6,569 |
Gross charge-offs |  |  |  |  |  | (1,201) |  |  | — |  |  | (284) |  |  | — |  |  | — |  |  | (9,183) |  |  |  |  | (10,668) |
Gross recoveries |  |  |  |  |  | 220 |  |  | — |  |  | 17 |  |  | 6 |  |  | — |  |  | 2,147 |  |  |  |  | 2,390 |
Net (charge-offs) recoveries |  |  |  |  |  | (981) |  |  | — |  |  | (267) |  |  | 6 |  |  | — |  |  | (7,036) |  |  |  |  | (8,278) |
Ending balance |  |  |  |  |  | $ | 7,071 |  |  | $ | 3,798 |  |  | $ | 15,389 |  |  | $ | 3,829 |  |  | $ | 17,337 |  |  | $ | 14,801 |  |  |  |  | $ | 62,225 |
The following table presents the activities in the reserve for off-balance sheet credit exposures, included in other liabilities on the Company's consolidated balance sheets, during the periods presented. The provision (credit) for off-balance sheet credit exposures is included in the provision for credit losses on the Company's consolidated statements of income during the periods presented.
| Three Months Ended June 30, |  | Six Months Ended June 30,
(dollars in thousands) | 2025 |  | 2024 |  | 2025 |  | 2024
Beginning balance | $ | 2,837 |  |  | $ | 3,521 |  |  | $ | 2,570 |  |  | $ | 3,706 |
Provision (credit) for off-balance sheet credit exposures | 1,177 |  |  | (209) |  |  | 1,444 |  |  | (394) |
Ending balance | $ | 4,014 |  |  | $ | 3,312 |  |  | $ | 4,014 |  |  | $ | 3,312 |

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- Definition The entire disclosure for allowance for credit losses. + References Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef -Name Accounting Standards Codification -Topic 310 -Publisher FASB -URI https://asc.fasb.org/310/tableOfContent + Details
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