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Commitments and Contingencies (Tables) | 6 Months Ended
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Jun. 30, 2024
Commitments and Contingencies Disclosure [Abstract] |
Schedule of Undrawn Loan Commitments and Standby Letters of Credit | The contractual amount of unfunded loan commitments and standby letters of credit not reflected in the consolidated statements of condition are as follows:
(in thousands) | June 30, 2024 | December 31, 2023
Commercial lines of credit | $ | 233,333 |  | $ | 259,989 |
Revolving home equity lines | 213,985 |  | 218,935 |
Undisbursed construction loans | 14,089 |  | 13,943 |
Personal and other lines of credit | 7,939 |  | 9,136 |
Standby letters of credit | 2,787 |  | 3,147 |
Total unfunded loan commitments and standby letters of credit | $ | 472,133 |  | $ | 505,150 |
Schedule of Operating and Finance Lease Right-of-Use Assets and Lease Liabilities | The following table shows the balances of operating and finance lease right-of-use assets and lease liabilities.
(in thousands) | June 30, 2024 | December 31, 2023
Operating leases: |  |
Operating lease right-of-use assets | $ | 20,460 |  | $ | 20,316 |
Operating lease liabilities | $ | 23,016 |  | $ | 22,906 |
Finance leases: |  |
Finance lease right-of-use assets | $ | 616 |  | $ | 608 |
Accumulated amortization | (392) |  | (319) |
Finance lease right-of-use assets, net 1 | $ | 224 |  | $ | 289 |
Finance lease liabilities 2 | $ | 231 |  | $ | 298 |
1 Included in premises and equipment in the consolidated statements of condition. |
2 Included in borrowings and other obligations in the consolidated statements of condition. |
Schedule of Components of Operating and Finance Lease Cost | The following table shows supplemental disclosures of noncash investing and financing activities for the periods presented.
| Six months ended
(in thousands) | June 30, 2024 | June 30, 2023
Right-of-use assets obtained in exchange for operating lease liabilities | $ | 2,417 |  | $ | 572 |
Right-of-use assets obtained in exchange for finance lease liabilities | $ | — |  | $ | 7 |
The following table shows components of operating and finance lease cost.
| Three months ended |  | Six months ended
(in thousands) | June 30, 2024 | June 30, 2023 |  | June 30, 2024 | June 30, 2023
Operating lease cost 1 | $ | 1,245 |  | $ | 1,322 |  |  | $ | 2,562 |  | $ | 2,932 |
Finance lease cost: |  |  |  |  |
Amortization of right-of-use assets 2 | $ | 37 |  | $ | 37 |  |  | $ | 73 |  | $ | 74 |
Interest on finance lease liabilities 3 | 1 |  | 2 |  |  | 3 |  | 4 |
Total finance lease cost | $ | 38 |  | $ | 39 |  |  | $ | 76 |  | $ | 78 |
Total lease cost | $ | 1,283 |  | $ | 1,361 |  |  | $ | 2,638 |  | $ | 3,010 |
1 Included in occupancy and equipment expense in the consolidated statements of comprehensive income.
2 Included in depreciation and amortization in the consolidated statements of comprehensive income.
3 Included in interest on borrowings and other obligations in the consolidated statements of comprehensive income.
Schedule of Operating Lease Liability Maturities | The following table shows the future minimum lease payments, weighted average remaining lease terms, and weighted average discount rates under operating and finance lease arrangements as of June 30, 2024. The discount rates used to calculate the present value of lease liabilities were based on the collateralized FHLB borrowing rates that were commensurate with lease terms and minimum payments on the lease commencement date.
(in thousands) | June 30, 2024
Year | Operating Leases | Finance Leases
2024 | $ | 2,343 |  | $ | 79 |
2025 | 4,295 |  | 110 |
2026 | 3,561 |  | 40 |
2027 | 3,291 |  | 7 |
2028 | 2,910 |  | 1 |
Thereafter | 9,857 |  | — |
Total minimum lease payments | 26,257 |  | 237 |
Amounts representing interest (present value discount) | (3,241) |  | (6) |
Present value of net minimum lease payments (lease liability) | $ | 23,016 |  | $ | 231 |
Weighted average remaining term (in years) | 7.92 | 1.84
Weighted average discount rate | 2.75 | % | 2.34 | %
Schedule of Finance Lease Liability Maturities | The following table shows the future minimum lease payments, weighted average remaining lease terms, and weighted average discount rates under operating and finance lease arrangements as of June 30, 2024. The discount rates used to calculate the present value of lease liabilities were based on the collateralized FHLB borrowing rates that were commensurate with lease terms and minimum payments on the lease commencement date.
(in thousands) | June 30, 2024
Year | Operating Leases | Finance Leases
2024 | $ | 2,343 |  | $ | 79 |
2025 | 4,295 |  | 110 |
2026 | 3,561 |  | 40 |
2027 | 3,291 |  | 7 |
2028 | 2,910 |  | 1 |
Thereafter | 9,857 |  | — |
Total minimum lease payments | 26,257 |  | 237 |
Amounts representing interest (present value discount) | (3,241) |  | (6) |
Present value of net minimum lease payments (lease liability) | $ | 23,016 |  | $ | 231 |
Weighted average remaining term (in years) | 7.92 | 1.84
Weighted average discount rate | 2.75 | % | 2.34 | %

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