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v3.23.3

Loans Held for Investment and Allowance for Credit Losses - Changes in Allowance for Loan Losses (Details) - USD ($) $ in Thousands | 3 Months Ended | 9 Months Ended
--- | --- | ---
Sep. 30, 2023 | Sep. 30, 2022 | Sep. 30, 2023 | Sep. 30, 2022
Total allowance for loan losses |  |  |  |
Beginning Balance | $ 12,321 | $ 10,602 | $ 11,985 | $ 9,855
Provision (Reversal) of Credit Losses | 2,910 | 4,457 | 8,253 | 10,317
Charge-Offs | (2,914) | (3,333) | (8,801) | (8,904)
Recoveries | 669 | 242 | 1,292 | 700
Ending Balance | 12,986 | 11,968 | 12,986 | 11,968
Unfunded lending commitments |  |  |  |
Beginning Balance | 42 |  | 0 |
Provision for Credit Losses | 160 |  | 176 |
Charge-Offs | 0 |  | 0 |
Recoveries | 0 |  | 0 |
Ending Balance | 202 |  | 202 |
Total allowance for credit losses |  |  |  |
Beginning Balance | 12,363 |  | 11,985 |
Provision for Credit Losses | 3,070 |  | 8,429 |
Charge-Offs | (2,914) |  | (8,801) |
Recoveries | 669 |  | 1,292 |
Ending Balance | 13,188 |  | 13,188 |
Impact of ASU 2016-13 adoption |  |  |  |
Total allowance for loan losses |  |  |  |
Beginning Balance |  |  | 257 |
Unfunded lending commitments |  |  |  |
Beginning Balance |  |  | 26 |
Total allowance for credit losses |  |  |  |
Beginning Balance |  |  | 283 |
Construction and land development |  |  |  |
Total allowance for loan losses |  |  |  |
Beginning Balance | 279 |  | 424 |
Provision (Reversal) of Credit Losses | 14 |  | (64) |
Charge-Offs | 0 |  | 0 |
Recoveries | 0 |  | 0 |
Ending Balance | 293 |  | 293 |
Construction and land development | Impact of ASU 2016-13 adoption |  |  |  |
Total allowance for loan losses |  |  |  |
Beginning Balance |  |  | (67) |
Residential real estate |  |  |  |
Total allowance for loan losses |  |  |  |
Beginning Balance | 708 | 415 | 876 | 352
Provision (Reversal) of Credit Losses | 223 | 38 | 150 | 101
Charge-Offs | 0 | 0 | (121) | 0
Recoveries | 3 | 0 | 87 | 0
Ending Balance | 934 | 453 | 934 | 453
Residential real estate | Impact of ASU 2016-13 adoption |  |  |  |
Total allowance for loan losses |  |  |  |
Beginning Balance |  |  | (58) |
Residential real estate multifamily |  |  |  |
Total allowance for loan losses |  |  |  |
Beginning Balance | 6 |  | 3 |
Provision (Reversal) of Credit Losses | 0 |  | 2 |
Charge-Offs | 0 |  | 0 |
Recoveries | 0 |  | 0 |
Ending Balance | 6 |  | 6 |
Residential real estate multifamily | Impact of ASU 2016-13 adoption |  |  |  |
Total allowance for loan losses |  |  |  |
Beginning Balance |  |  | 1 |
Commercial real estate |  |  |  |
Total allowance for loan losses |  |  |  |
Beginning Balance | 3,167 | 22 | 3,238 | 21
Provision (Reversal) of Credit Losses | 46 | 7 | 671 | 8
Charge-Offs | (31) | 0 | (153) | 0
Recoveries | 389 | 0 | 389 | 0
Ending Balance | 3,571 | 29 | 3,571 | 29
Commercial real estate | Impact of ASU 2016-13 adoption |  |  |  |
Total allowance for loan losses |  |  |  |
Beginning Balance |  |  | (574) |
Commercial and industrial |  |  |  |
Total allowance for loan losses |  |  |  |
Beginning Balance | 287 |  | 339 |
Provision (Reversal) of Credit Losses | 151 |  | 265 |
Charge-Offs | (107) |  | (191) |
Recoveries | 18 |  | 21 |
Ending Balance | 349 |  | 349 |
Commercial and industrial | Impact of ASU 2016-13 adoption |  |  |  |
Total allowance for loan losses |  |  |  |
Beginning Balance |  |  | (85) |
Consumer |  |  |  |
Total allowance for loan losses |  |  |  |
Beginning Balance | 90 | 65 | 65 | 62
Provision (Reversal) of Credit Losses | 39 | 5 | 69 | 8
Charge-Offs | (28) | (4) | (47) | (4)
Recoveries | 2 | 0 | 2 | 0
Ending Balance | 103 | 66 | 103 | 66
Consumer | Impact of ASU 2016-13 adoption |  |  |  |
Total allowance for loan losses |  |  |  |
Beginning Balance |  |  | 14 |
Lease financing receivables |  |  |  |
Total allowance for loan losses |  |  |  |
Beginning Balance | 528 |  | 339 |
Provision (Reversal) of Credit Losses | 6 |  | 300 |
Charge-Offs | 0 |  | 0 |
Recoveries | 0 |  | 0 |
Ending Balance | 534 |  | 534 |
Lease financing receivables | Impact of ASU 2016-13 adoption |  |  |  |
Total allowance for loan losses |  |  |  |
Beginning Balance |  |  | (105) |
Retained Strategic Program loans |  |  |  |
Total allowance for loan losses |  |  |  |
Beginning Balance | 7,256 | 6,442 | 6,701 | 6,549
Provision (Reversal) of Credit Losses | 2,431 | 3,542 | 6,860 | 8,465
Charge-Offs | (2,748) | (3,070) | (8,289) | (8,508)
Recoveries | 257 | 233 | 793 | 641
Ending Balance | $ 7,196 | 7,147 | 7,196 | 7,147
Retained Strategic Program loans | Impact of ASU 2016-13 adoption |  |  |  |
Total allowance for loan losses |  |  |  |
Beginning Balance |  |  | $ 1,131 |
SBA |  |  |  |
Total allowance for loan losses |  |  |  |
Beginning Balance |  | 3,384 |  | 2,739
Provision (Reversal) of Credit Losses |  | 675 |  | 1,405
Charge-Offs |  | (259) |  | (392)
Recoveries |  | 9 |  | 57
Ending Balance |  | 3,809 |  | 3,809
Commercial, non-real estate |  |  |  |
Total allowance for loan losses |  |  |  |
Beginning Balance |  | 274 |  | 132
Provision (Reversal) of Credit Losses |  | 190 |  | 330
Charge-Offs |  | 0 |  | 0
Recoveries |  | 0 |  | 2
Ending Balance |  | $ 464 |  | $ 464

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