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v3.23.1

Loans and Allowance for Credit Losses (Tables) | 3 Months Ended
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Mar. 31, 2023
Receivables [Abstract] |
Schedule of Loans, Net of Unamortized Net Deferred Fees | Loans, net of unamortized net deferred fees, at March 31, 2023 and December 31, 2022 are summarized by type as follows:
|  | March 31, 2023 |  | December 31, 2022
(dollars in thousands, except amounts in the footnote) |  | Amount |  | % |  | Amount |  | %
Commercial |  | $ | 1,482,983 |  |  | 19 | % |  | $ | 1,487,349 |  |  | 19 | %
PPP loans |  | 709 |  |  | — | % |  | 3,256 |  |  | — | %
Income-producing - commercial real estate |  | 3,970,903 |  |  | 51 | % |  | 3,919,941 |  |  | 51 | %
Owner-occupied - commercial real estate |  | 1,095,699 |  |  | 14 | % |  | 1,110,325 |  |  | 15 | %
Real estate mortgage - residential |  | 73,677 |  |  | 1 | % |  | 73,001 |  |  | 1 | %
Construction - commercial and residential |  | 948,877 |  |  | 13 | % |  | 877,755 |  |  | 12 | %
Construction - C&I (owner-occupied) |  | 109,013 |  |  | 1 | % |  | 110,479 |  |  | 1 | %
Home equity |  | 53,829 |  |  | 1 | % |  | 51,782 |  |  | 1 | %
Other consumer |  | 1,986 |  |  | — | % |  | 1,744 |  |  | — | %
Total loans |  | 7,737,676 |  |  | 100 | % |  | 7,635,632 |  |  | 100 | %
Less: allowance for credit losses |  | (78,377) |  |  |  |  | (74,444) |  |  |
Net loans (1) |  | $ | 7,659,299 |  |  |  |  | $ | 7,561,188 |  |  |
(1)Excludes accrued interest receivable of $43.9 million and $43.5 million at March 31, 2023 and December 31, 2022, respectively, which were recorded in other assets on the Consolidated Balance Sheets.
Schedule of Detail Activity in the Allowance for Credit Losses by Portfolio Segment | The following tables detail activity in the allowance for credit losses by portfolio segment for the three months ended March 31, 2023 and 2022. PPP loans are excluded from these tables since they do not carry an allowance for credit loss, as these loans are fully guaranteed as to principal and interest by the SBA, whose guarantee is backed by the full faith and credit of the U.S. Government. Allocation of a portion of the allowance to one category of loans does not restrict the use of the allowance to absorb losses in other categories.
(dollars in thousands) |  | Commercial |  | Income-Producing Commercial Real Estate |  | Owner-Occupied -Commercial Real Estate |  | Real Estate Mortgage Residential |  | Construction -Commercial and Residential |  | Home Equity |  | Other Consumer |  | Total
Three Months Ended March 31, 2023 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Allowance for credit losses: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Balance at beginning of period |  | $ | 15,655 |  |  | $ | 35,688 |  |  | $ | 12,702 |  |  | $ | 969 |  |  | $ | 8,801 |  |  | $ | 555 |  |  | $ | 74 |  |  | $ | 74,444 |
Loans charged-off |  | (868) |  |  | — |  |  | — |  |  | — |  |  | (136) |  |  | — |  |  | (50) |  |  | (1,054) |
Recoveries of loans previously charged-off |  | 76 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 3 |  |  | 79 |
Net loans (charged-off) recovered |  | (792) |  |  | — |  |  | — |  |  | — |  |  | (136) |  |  | — |  |  | (47) |  |  | (975) |
Provision for (reversal of) credit losses |  | 912 |  |  | 2,452 |  |  | (245) |  |  | 33 |  |  | 1,718 |  |  | 38 |  |  | — |  |  | 4,908 |
Ending balance |  | $ | 15,775 |  |  | $ | 38,140 |  |  | $ | 12,457 |  |  | $ | 1,002 |  |  | $ | 10,383 |  |  | $ | 593 |  |  | $ | 27 |  |  | $ | 78,377 |
Three Months Ended March 31, 2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Allowance for credit losses: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Balance at beginning of period |  | $ | 14,475 |  |  | $ | 38,287 |  |  | $ | 12,146 |  |  | $ | 449 |  |  | $ | 9,099 |  |  | $ | 474 |  |  | $ | 35 |  |  | $ | 74,965 |
Loans charged-off |  | (514) |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | (514) |
Recoveries of loans previously charged-off |  | 54 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 1 |  |  | 55 |
Net loans (charged-off) recovered |  | (460) |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 1 |  |  | (459) |
Provision for (reversal of) credit losses |  | (1,069) |  |  | 906 |  |  | (1,631) |  |  | (68) |  |  | (1,126) |  |  | (7) |  |  | (6) |  |  | (3,001) |
Ending balance |  | $ | 12,946 |  |  | $ | 39,193 |  |  | $ | 10,515 |  |  | $ | 381 |  |  | $ | 7,973 |  |  | $ | 467 |  |  | $ | 30 |  |  | $ | 71,505 |
Schedule of Amortized Cost Basis of Collateral-Dependent Loans by Class of Loans | The following table presents the amortized cost basis of collateral-dependent loans by class of loans as of March 31, 2023 and December 31, 2022:
|  | March 31, 2023 |  | December 31, 2022
|  | Business/Other |  |  |  | Business/Other |  |
(dollars in thousands) |  | Assets |  | Real Estate |  | Assets |  | Real Estate
Commercial |  | $ | 2,223 |  |  | $ | 995 |  |  | $ | 1,563 |  |  | $ | 1,871 |
Income-producing - commercial real estate |  | 2,000 |  |  | 4,325 |  |  | 2,000 |  |  | 4,328 |
Owner-occupied - commercial real estate |  | — |  |  | 19,184 |  |  | — |  |  | 19,187 |
Real estate mortgage - residential |  | — |  |  | 1,698 |  |  | — |  |  | 1,698 |
Construction - commercial and residential |  | — |  |  | 533 |  |  | — |  |  | — |
Other consumer |  | — |  |  | — |  |  | 50 |  |  | — |
Total |  | $ | 4,223 |  |  | $ | 26,735 |  |  | $ | 3,613 |  |  | $ | 27,084 |
Schedule of the Risk Category of Loans by Class of Loans | Based on the most recent analysis performed, the amortized cost basis of loans by risk category, class and year of origination are as follows:
(dollars in thousands) |  | Prior |  | 2019 |  | 2020 |  | 2021 |  | 2022 |  | 2023 |  | Revolving Loans Amort. Cost Basis |  | Revolving Loans Convert. to Term |  | Total |
March 31, 2023 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass |  | $ | 207,824 |  |  | $ | 56,608 |  |  | $ | 61,430 |  |  | $ | 237,660 |  |  | $ | 160,051 |  |  | $ | 24,643 |  |  | $ | 719,939 |  |  | $ | 6,499 |  |  | $ | 1,474,654 |  |
Special Mention |  | — |  |  | — |  |  | — |  |  | — |  |  | 77 |  |  | — |  |  | 4,976 |  |  | — |  |  | 5,053 |  |
Substandard |  | 2,197 |  |  | 264 |  |  | — |  |  | 340 |  |  | — |  |  | — |  |  | 199 |  |  | 276 |  |  | 3,276 |  |
Total |  | 210,021 |  |  | 56,872 |  |  | 61,430 |  |  | 238,000 |  |  | 160,128 |  |  | 24,643 |  |  | 725,114 |  |  | 6,775 |  |  | 1,482,983 |  |
YTD Gross Charge-offs |  | (868) |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | (868) |  |
PPP loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass |  | — |  |  | — |  |  | — |  |  | 709 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 709 |  |
Income producing - commercial real estate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass |  | 1,431,756 |  |  | 494,678 |  |  | 366,302 |  |  | 528,962 |  |  | 696,291 |  |  | 114,213 |  |  | 199,847 |  |  | 5,275 |  |  | 3,837,324 |  |
Special Mention |  | 12,376 |  |  | 4,195 |  |  | 6,734 |  |  | — |  |  | — |  |  | — |  |  | 47,674 |  |  | — |  |  | 70,979 |  |
Substandard |  | 62,600 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 62,600 |  |
Total |  | 1,506,732 |  |  | 498,873 |  |  | 373,036 |  |  | 528,962 |  |  | 696,291 |  |  | 114,213 |  |  | 247,521 |  |  | 5,275 |  |  | 3,970,903 |  |
Owner occupied - commercial real estate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass |  | 648,931 |  |  | 110,870 |  |  | 39,752 |  |  | 207,696 |  |  | 39,939 |  |  | 5,048 |  |  | 1,551 |  |  | 22,169 |  |  | 1,075,956 |  |
Substandard |  | 19,743 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 19,743 |  |
Total |  | 668,674 |  |  | 110,870 |  |  | 39,752 |  |  | 207,696 |  |  | 39,939 |  |  | 5,048 |  |  | 1,551 |  |  | 22,169 |  |  | 1,095,699 |  |
Real estate mortgage - residential |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass |  | 28,363 |  |  | 8,162 |  |  | 2,626 |  |  | 16,402 |  |  | 14,362 |  |  | 2,064 |  |  | — |  |  | — |  |  | 71,979 |  |
Substandard |  | 1,698 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 1,698 |  |
Total |  | 30,061 |  |  | 8,162 |  |  | 2,626 |  |  | 16,402 |  |  | 14,362 |  |  | 2,064 |  |  | — |  |  | — |  |  | 73,677 |  |
Construction - commercial and residential |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass |  | 110,247 |  |  | 92,940 |  |  | 155,158 |  |  | 250,206 |  |  | 239,367 |  |  | 910 |  |  | 99,516 |  |  | — |  |  | 948,344 |  |
Substandard |  | 533 |  |  | — |  |  | — |  |  | — |  | — |  | — |  |  | — |  |  | — |  |  | — |  |  | 533 |  |
Total |  | 110,780 |  |  | 92,940 |  |  | 155,158 |  |  | 250,206 |  |  | 239,367 |  |  | 910 |  |  | 99,516 |  |  | — |  |  | 948,877 |  |
YTD Gross Charge-offs |  | (136) |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | (136) |  |
Construction - C&I (owner occupied) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass |  | 19,548 |  |  | 11,754 |  |  | 33,609 |  |  | 647 |  |  | 35,170 |  |  | 1,815 |  |  | 6,470 |  |  | — |  |  | 109,013 |  |
Total |  | 19,548 |  |  | 11,754 |  |  | 33,609 |  |  | 647 |  |  | 35,170 |  |  | 1,815 |  |  | 6,470 |  |  | — |  |  | 109,013 |  |
Home equity |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass |  | 2,300 |  |  | — |  |  | 248 |  |  | 376 |  |  | 686 |  |  | — |  |  | 49,649 |  |  | 470 |  |  | 53,729 |  |
Substandard |  | — |  |  | 39 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 61 |  |  | — |  |  | 100 |  |
Total |  | 2,300 |  |  | 39 |  |  | 248 |  |  | 376 |  |  | 686 |  |  | — |  |  | 49,710 |  |  | 470 |  |  | 53,829 |  |
Other consumer |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass |  | 7 |  |  | — |  |  | — |  |  | — |  |  | 118 |  |  | — |  |  | 1,861 |  |  | — |  |  | 1,986 |  |
Total |  | 7 |  |  | — |  |  | — |  |  | — |  |  | 118 |  |  | — |  |  | 1,861 |  |  | — |  |  | 1,986 |  |
YTD Gross Charge-offs |  | (50) |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | (50) |  |
Total Recorded Investment |  | $ | 2,548,123 |  |  | $ | 779,510 |  |  | $ | 665,859 |  |  | $ | 1,242,998 |  |  | $ | 1,186,061 |  |  | $ | 148,693 |  |  | $ | 1,131,743 |  |  | $ | 34,689 |  |  | $ | 7,737,676 |  |
Total YTD Gross Charge-offs |  | $ | (1,054) |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | (1,054) |  |
(dollars in thousands) |  | Prior |  | 2018 |  | 2019 |  | 2020 |  | 2021 |  | 2022 |  | Revolving Loans Amort. Cost Basis |  | Revolving Loans Convert. to Term |  | Total |
December 31, 2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass |  | $ | 183,329 |  |  | $ | 47,393 |  |  | $ | 56,261 |  |  | $ | 64,163 |  |  | $ | 237,146 |  |  | $ | 144,390 |  |  | $ | 736,090 |  |  | $ | 8,570 |  |  | $ | 1,477,342 |  |
Special Mention |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 82 |  |  | 5,475 |  |  | — |  |  | 5,557 |  |
Substandard |  | 1,332 |  |  | 351 |  |  | 276 |  |  | — |  |  | — |  |  | — |  |  | 1,344 |  |  | 1,147 |  |  | 4,450 |  |
Total |  | 184,661 |  |  | 47,744 |  |  | 56,537 |  |  | 64,163 |  |  | 237,146 |  |  | 144,472 |  |  | 742,909 |  |  | 9,717 |  |  | 1,487,349 |  |
YTD Gross Charge-offs |  | (283) |  |  | (101) |  |  | (49) |  |  | — |  |  | — |  |  | — |  |  | (483) |  |  | — |  |  | (916) |  |
PPP loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass |  | — |  |  | — |  |  | — |  |  | 2,479 |  |  | 777 |  |  | — |  |  | — |  |  | — |  |  | 3,256 |  |
Income producing - commercial real estate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass |  | 1,016,529 |  |  | 439,221 |  |  | 480,474 |  |  | 334,165 |  |  | 542,143 |  |  | 744,328 |  |  | 192,089 |  |  | 358 |  |  | 3,749,307 |  |
Special Mention |  | 44,195 |  |  | 5,206 |  |  | 4,209 |  |  | 6,735 |  |  | — |  |  | — |  |  | 47,676 |  |  | — |  |  | 108,021 |  |
Substandard |  | 60,613 |  |  | 2,000 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 62,613 |  |
Total |  | 1,121,337 |  |  | 446,427 |  |  | 484,683 |  |  | 340,900 |  |  | 542,143 |  |  | 744,328 |  |  | 239,765 |  |  | 358 |  |  | 3,919,941 |  |
YTD Gross Charge-offs |  | (680) |  |  | (645) |  |  | (676) |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | (2,001) |  |
Owner occupied - commercial real estate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass |  | 461,029 |  |  | 191,646 |  |  | 111,497 |  |  | 40,562 |  |  | 206,595 |  |  | 41,765 |  |  | 24,240 |  |  | 13,238 |  |  | 1,090,572 |  |
Substandard |  | 19,753 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 19,753 |  |
Total |  | 480,782 |  |  | 191,646 |  |  | 111,497 |  |  | 40,562 |  |  | 206,595 |  |  | 41,765 |  |  | 24,240 |  |  | 13,238 |  |  | 1,110,325 |  |
Real estate mortgage - residential |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass |  | 16,968 |  |  | 12,438 |  |  | 8,219 |  |  | 2,640 |  |  | 16,307 |  |  | 14,731 |  |  | — |  |  | — |  |  | 71,303 |  |
Substandard |  | 1,698 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 1,698 |  |
Total |  | 18,666 |  |  | 12,438 |  |  | 8,219 |  |  | 2,640 |  |  | 16,307 |  |  | 14,731 |  |  | — |  |  | — |  |  | 73,001 |  |
Construction - commercial and residential |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass |  | 84,522 |  |  | 71,841 |  |  | 90,560 |  |  | 189,023 |  |  | 191,127 |  |  | 159,771 |  |  | 90,911 |  |  | — |  |  | 877,755 |  |
Total |  | 84,522 |  |  | 71,841 |  |  | 90,560 |  |  | 189,023 |  |  | 191,127 |  |  | 159,771 |  |  | 90,911 |  |  | — |  |  | 877,755 |  |
Construction - C&I (owner occupied) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass |  | 14,816 |  |  | 8,160 |  |  | 11,810 |  |  | 33,854 |  |  | 653 |  |  | 34,679 |  |  | 6,507 |  |  | — |  |  | 110,479 |  |
Total |  | 14,816 |  |  | 8,160 |  |  | 11,810 |  |  | 33,854 |  |  | 653 |  |  | 34,679 |  |  | 6,507 |  |  | — |  |  | 110,479 |  |
Home equity |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass |  | 1,747 |  |  | — |  |  | — |  |  | 98 |  |  | 551 |  |  | — |  |  | 48,378 |  |  | 906 |  |  | 51,680 |  |
Substandard |  | — |  |  | — |  |  | 41 |  |  | — |  |  | — |  |  | — |  |  | 61 |  |  | — |  |  | 102 |  |
Total |  | 1,747 |  |  | — |  |  | 41 |  |  | 98 |  |  | 551 |  |  | — |  |  | 48,439 |  |  | 906 |  |  | 51,782 |  |
Other consumer |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass |  | 4 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 126 |  |  | 1,561 |  |  | 3 |  |  | 1,694 |  |
Substandard |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 50 |  |  | 50 |  |
Total |  | 4 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 126 |  |  | 1,561 |  |  | 53 |  |  | 1,744 |  |
YTD Gross Charge-offs |  | (3) |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | (75) |  |  | — |  |  | (78) |  |
Total Recorded Investment |  | $ | 1,906,535 |  |  | $ | 778,256 |  |  | $ | 763,347 |  |  | $ | 673,719 |  |  | $ | 1,195,299 |  |  | $ | 1,139,872 |  |  | $ | 1,154,332 |  |  | $ | 24,272 |  |  | $ | 7,635,632 |  |
Total YTD Gross Charge-Offs |  | $ | (966) |  |  | $ | (746) |  |  | $ | (725) |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | (558) |  |  | $ | — |  |  | $ | (2,995) |  |
Schedule by Class of Loan, an Aging Analysis and the Recorded Investments in Loans Past Due | The table presents, by class of loan, an aging analysis and the recorded investments in loans past due as of March 31, 2023 and December 31, 2022:
(dollars in thousands, except amount in the footnote) |  | Loans 30-59 Days Past Due |  | Loans 60-89 Days Past Due |  | Loans 90 Days or More Past Due |  | Total Past Due Loans |  | Current Loans |  | Nonaccrual Loans |  | Total Recorded Investment in Loans
March 31, 2023 |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial |  | $ | 778 |  |  | $ | 524 |  |  | $ | — |  |  | $ | 1,302 |  |  | $ | 1,479,387 |  |  | $ | 2,294 |  |  | $ | 1,482,983 |
PPP loans |  | — |  |  | — |  |  | — |  |  | — |  |  | 709 |  |  | — |  |  | 709 |
Income producing - commercial real estate (1) |  | 14,018 |  |  | — |  |  | — |  |  | 14,018 |  |  | 3,954,885 |  |  | 2,000 |  |  | 3,970,903 |
Owner occupied - commercial real estate |  | — |  |  | 279 |  |  | — |  |  | 279 |  |  | 1,095,406 |  |  | 14 |  |  | 1,095,699 |
Real estate mortgage - residential |  | — |  |  | — |  |  | — |  |  | — |  |  | 71,762 |  |  | 1,915 |  |  | 73,677 |
Construction - commercial and residential |  | — |  |  | — |  |  | — |  |  | — |  |  | 948,344 |  |  | 533 |  |  | 948,877 |
Construction - C&I (owner occupied) |  | — |  |  | — |  |  | — |  |  | — |  |  | 109,013 |  |  | — |  |  | 109,013 |
Home equity |  | 48 |  |  | — |  |  | — |  |  | 48 |  |  | 53,781 |  |  | — |  |  | 53,829 |
Other consumer |  | — |  |  | — |  |  | — |  |  | — |  |  | 1,986 |  |  | — |  |  | 1,986 |
Total |  | $ | 14,844 |  |  | $ | 803 |  |  | $ | — |  |  | $ | 15,647 |  |  | $ | 7,715,273 |  |  | $ | 6,756 |  |  | $ | 7,737,676 |
December 31, 2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial |  | $ | 697 |  |  | $ | 643 |  |  | $ | — |  |  | $ | 1,340 |  |  | $ | 1,483,521 |  |  | $ | 2,488 |  |  | $ | 1,487,349 |
PPP loans |  | — |  |  | — |  |  | — |  |  | — |  |  | 3,256 |  |  | — |  |  | 3,256 |
Income producing - commercial real estate |  | — |  |  | — |  |  | — |  |  | — |  |  | 3,917,941 |  |  | 2,000 |  |  | 3,919,941 |
Owner occupied - commercial real estate |  | — |  |  | 279 |  |  | — |  |  | 279 |  |  | 1,110,029 |  |  | 17 |  |  | 1,110,325 |
Real estate mortgage – residential |  | — |  |  | — |  |  | — |  |  | — |  |  | 71,088 |  |  | 1,913 |  |  | 73,001 |
Construction - commercial and residential |  | 531 |  |  | — |  |  | — |  |  | 531 |  |  | 877,224 |  |  | — |  |  | 877,755 |
Construction - C&I (owner occupied) |  | — |  |  | — |  |  | — |  |  | — |  |  | 110,479 |  |  | — |  |  | 110,479 |
Home equity |  | — |  |  | 52 |  |  | — |  |  | 52 |  |  | 51,730 |  |  | — |  |  | 51,782 |
Other consumer |  | — |  |  | 1 |  |  | — |  |  | 1 |  |  | 1,693 |  |  | 50 |  |  | 1,744 |
Total |  | $ | 1,228 |  |  | $ | 975 |  |  | $ | — |  |  | $ | 2,203 |  |  | $ | 7,626,961 |  |  | $ | 6,468 |  |  | $ | 7,635,632 |
(1)The increase in the 30-59 days past due category in the income producing - commercial real estate loans is one credit for $14.0 million which became past due in the first quarter of 2023, and was brought current in April 2023.
Schedule of Information Related to Nonaccrual Loans by Class | The following presents the nonaccrual loans as of March 31, 2023 and December 31, 2022:
(dollars in thousands, except amounts in footnotes) |  | Nonaccrual with No Allowance for Credit Losses |  | Nonaccrual with an Allowance for Credit Losses |  | Total Nonaccrual Loans
March 31, 2023 |  |  |  |  |  |
Commercial |  | $ | 91 |  |  | $ | 2,203 |  |  | $ | 2,294 |
Income producing - commercial real estate |  | — |  |  | 2,000 |  |  | 2,000 |
Owner occupied - commercial real estate |  | 14 |  |  | — |  |  | 14 |
Real estate mortgage - residential |  | — |  |  | 1,915 |  |  | 1,915 |
Construction - commercial and residential |  | — |  |  | 533 |  |  | 533 |
Total (1) |  | $ | 105 |  |  | $ | 6,651 |  |  | $ | 6,756 |
December 31, 2022 |  |  |  |  |  |
Commercial |  | $ | 101 |  |  | $ | 2,387 |  |  | $ | 2,488 |
Income producing - commercial real estate |  | — |  |  | 2,000 |  |  | 2,000 |
Owner occupied - commercial real estate |  | 17 |  |  | — |  |  | 17 |
Real estate mortgage - residential |  | — |  |  | 1,913 |  |  | 1,913 |
Other consumer |  | — |  |  | 50 |  |  | 50 |
Total (1) |  | $ | 118 |  |  | $ | 6,350 |  |  | $ | 6,468 |
(1)Gross interest income of $182 thousand and approximately $325 thousand would have been recorded for the three months ended March 31, 2023 and 2022, respectively, if nonaccrual loans shown above had been current and in accordance with their original terms, while no interest income was actually recorded on such loans for the three months ended March 31, 2023 and 2022. See Note 1 to the Consolidated Financial Statements for a description of the Company's policy for placing loans on nonaccrual status.
Schedule of Loans Modified in Troubled Debt Restructurings | The following table presents the amortized cost basis of loan restructurings at March 31, 2023 that were both experiencing financial difficulty and modified during the three months ended March 31, 2023.
(dollars in thousands) |  | Principal Forgiveness |  | Term Extension |  | Combination Term Extension and Principal Payment Delay |  | Weighted Average Term Extension |  | Interest Rate Reduction |  | Restructured Loans/Total Loan Portfolio
Accruing Restructured Loans |  |  |  |  |  |  |  |  |  |  |  |
Commercial |  | $ | — |  |  | $ | 21,744 |  |  | $ | — |  |  | 3 months |  | $ | — |  |  | 0.3 | %
Income producing - commercial real estate |  | — |  |  | 7,211 |  |  | 60,139 |  |  | 4 months |  | — |  |  | 0.9 | %
Owner occupied - commercial real estate |  | — |  |  | — |  |  | 19,170 |  |  | 3 months |  | — |  |  | 0.2 | %
Total |  | $ | — |  |  | $ | 28,955 |  |  | $ | 79,309 |  |  |  |  | $ | — |  |  | 1.4 | %
The following presents the performance of loans restructured to borrowers experiencing financial difficulty by class of loan during the three months ended March 31, 2023:
| Payment Status (Amortized Cost Basis) | Payment Status (Amortized Cost Basis)
(dollars in thousands) |  | Current |  | 30-89 Days Past Due |  | 90+ Days Past Due
Accruing Restructured Loans |  |  |  |  |  |
Commercial |  | $ | 21,744 |  |  | $ | — |  |  | $ | — |
Income producing - commercial real estate |  | 67,350 |  |  | — |  |  | — |
Owner occupied - commercial real estate |  | 19,170 |  |  | — |  |  | — |
Total |  | $ | 108,264 |  |  | $ | — |  |  | $ | — |

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