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v3.23.1

Loans and Allowance for Credit Losses - Balance and activity in the Allowance for credit losses (Details) - USD ($) $ in Thousands | 3 Months Ended | 9 Months Ended
--- | --- | ---
Mar. 31, 2023 | Mar. 31, 2022 | Mar. 31, 2023 | Mar. 31, 2022
Allowance for credit losses: |  |  |  |
Balance, beginning of period | $ 37,483 | $ 32,529 | $ 33,192 | $ 33,222
Initial ACL on PCD loans | 1,121 | 120 | 1,121 | 120
Provision (benefit) charged to expense | 7,185 | 1,052 | 11,800 | 373
Losses charged off | (113) | (68) | (453) | (136)
Recoveries | 9 | 8 | 25 | 62
Balance, end of period | 45,685 | 33,641 | 45,685 | 33,641
Residential Real Estate |  |  |  |
Allowance for credit losses: |  |  |  |
Balance, beginning of period | 12,499 | 10,757 | 8,908 | 11,192
Initial ACL on PCD loans | 96 | 23 | 96 | 23
Provision (benefit) charged to expense | 870 | 434 | 4,462 | 30
Losses charged off |  | (30) | (2) | (62)
Recoveries |  | 2 | 1 | 3
Balance, end of period | 13,465 | 11,186 | 13,465 | 11,186
Construction Real Estate |  |  |  |
Allowance for credit losses: |  |  |  |
Balance, beginning of period | 2,754 | 2,126 | 2,220 | 2,170
Initial ACL on PCD loans | 12 | 4 | 12 | 4
Provision (benefit) charged to expense | 872 | (143) | 1,406 | (187)
Balance, end of period | 3,638 | 1,987 | 3,638 | 1,987
Commercial Real Estate |  |  |  |
Allowance for credit losses: |  |  |  |
Balance, beginning of period | 16,806 | 14,727 | 16,838 | 14,535
Initial ACL on PCD loans | 628 | 52 | 628 | 52
Provision (benefit) charged to expense | 1,111 | 771 | 1,324 | 963
Losses charged off |  |  | (245) |
Balance, end of period | 18,545 | 15,550 | 18,545 | 15,550
Consumer loans |  |  |  |
Allowance for credit losses: |  |  |  |
Balance, beginning of period | 761 | 830 | 710 | 916
Initial ACL on PCD loans | 164 |  | 164 |
Provision (benefit) charged to expense | 165 | 19 | 283 | (93)
Losses charged off | (113) | (32) | (189) | (57)
Recoveries | 9 | 6 | 18 | 57
Balance, end of period | 986 | 823 | 986 | 823
Commercial loans |  |  |  |
Allowance for credit losses: |  |  |  |
Balance, beginning of period | 4,663 | 4,089 | 4,516 | 4,409
Initial ACL on PCD loans | 221 | 41 | 221 | 41
Provision (benefit) charged to expense | 4,167 | (29) | 4,325 | (340)
Losses charged off |  | (6) | (17) | (17)
Recoveries |  |  | 6 | 2
Balance, end of period | $ 9,051 | $ 4,095 | $ 9,051 | $ 4,095

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