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v3.23.3

Loans - Change in the Balances of the ALLL (Details) - USD ($) $ in Thousands | 3 Months Ended | 9 Months Ended
--- | --- | ---
Sep. 30, 2023 | Sep. 30, 2022 | Sep. 30, 2023 | Sep. 30, 2022
Allowance for loan losses: |  |  |  |
Beginning balance | $ 36,058 | $ 29,153 | $ 31,737 | $ 27,841
Provision for credit losses 1 | 1,850 | 892 | 11,976 | 2,868
Losses Charged Off | (1,517) | (236) | (10,639) | (2,467)
Recoveries | 61 | 57 | 416 | 1,624
Ending balance | 36,452 | 29,866 | 36,452 | 29,866
Commercial and industrial |  |  |  |
Allowance for loan losses: |  |  |  |
Beginning balance | 1,849 | 2,026 | 1,711 | 1,891
Provision for credit losses 1 | 260 | (301) | 7,265 | (166)
Losses Charged Off | 0 | 0 | (6,965) | 0
Recoveries | 1 | 2 | 219 | 2
Ending balance | 2,110 | 1,727 | 2,110 | 1,727
Owner-occupied commercial real estate |  |  |  |
Allowance for loan losses: |  |  |  |
Beginning balance | 789 | 703 | 651 | 742
Provision for credit losses 1 | 69 | (87) | 145 | (126)
Losses Charged Off | 0 | 0 | 0 | 0
Recoveries | 0 | 0 | 0 | 0
Ending balance | 858 | 616 | 858 | 616
Investor commercial real estate |  |  |  |
Allowance for loan losses: |  |  |  |
Beginning balance | 1,416 | 621 | 1,099 | 328
Provision for credit losses 1 | 488 | 453 | 996 | 746
Losses Charged Off | (591) | 0 | (591) | 0
Recoveries | 0 | 0 | 0 | 0
Ending balance | 1,313 | 1,074 | 1,313 | 1,074
Construction |  |  |  |
Allowance for loan losses: |  |  |  |
Beginning balance | 1,940 | 1,707 | 2,074 | 1,612
Provision for credit losses 1 | 163 | (117) | 464 | (22)
Losses Charged Off | 0 | 0 | 0 | 0
Recoveries | 0 | 0 | 0 | 0
Ending balance | 2,103 | 1,590 | 2,103 | 1,590
Single tenant lease financing |  |  |  |
Allowance for loan losses: |  |  |  |
Beginning balance | 9,970 | 9,712 | 10,519 | 10,385
Provision for credit losses 1 | (1,605) | 315 | (1,808) | (1,589)
Losses Charged Off | 0 | 0 | 0 | 0
Recoveries | 0 | 0 | 0 | 1,231
Ending balance | 8,365 | 10,027 | 8,365 | 10,027
Public finance |  |  |  |
Allowance for loan losses: |  |  |  |
Beginning balance | 1,509 | 1,850 | 1,753 | 1,776
Provision for credit losses 1 | (98) | (61) | (207) | 13
Losses Charged Off | 0 | 0 | 0 | 0
Recoveries | 0 | 0 | 0 | 0
Ending balance | 1,411 | 1,789 | 1,411 | 1,789
Healthcare finance |  |  |  |
Allowance for loan losses: |  |  |  |
Beginning balance | 2,421 | 4,762 | 2,997 | 5,940
Provision for credit losses 1 | (194) | (1,150) | (1,779) | (2,328)
Losses Charged Off | 0 | 0 | (25) | 0
Recoveries | 0 | 0 | 0 | 0
Ending balance | 2,227 | 3,612 | 2,227 | 3,612
Small business lending |  |  |  |
Allowance for loan losses: |  |  |  |
Beginning balance | 2,618 | 1,956 | 2,168 | 1,387
Provision for credit losses 1 | 2,341 | 217 | 3,834 | 847
Losses Charged Off | (751) | (130) | (2,169) | (210)
Recoveries | 13 | 3 | 54 | 22
Ending balance | 4,221 | 2,046 | 4,221 | 2,046
Franchise finance |  |  |  |
Allowance for loan losses: |  |  |  |
Beginning balance | 4,484 | 2,281 | 3,988 | 1,083
Provision for credit losses 1 | 763 | 734 | 1,903 | 1,932
Losses Charged Off | 0 | 0 | (331) | 0
Recoveries | 0 | 0 | 0 | 0
Ending balance | 5,247 | 3,015 | 5,247 | 3,015
Residential mortgage |  |  |  |
Allowance for loan losses: |  |  |  |
Beginning balance | 2,550 | 1,138 | 1,559 | 643
Provision for credit losses 1 | (215) | 231 | 367 | 724
Losses Charged Off | (56) | 0 | (56) | 0
Recoveries | 1 | 1 | 4 | 3
Ending balance | 2,280 | 1,370 | 2,280 | 1,370
Home equity |  |  |  |
Allowance for loan losses: |  |  |  |
Beginning balance | 224 | 54 | 69 | 64
Provision for credit losses 1 | (34) | 7 | (15) | (139)
Losses Charged Off | 0 | 0 | 0 | 0
Recoveries | 2 | 1 | 5 | 137
Ending balance | 192 | 62 | 192 | 62
Other consumer loans |  |  |  |
Allowance for loan losses: |  |  |  |
Beginning balance | 6,288 | 2,343 | 3,149 | 1,990
Provision for credit losses 1 | (88) | 651 | 811 | 1,116
Losses Charged Off | (119) | (106) | (502) | (397)
Recoveries | 44 | 50 | 134 | 229
Ending balance | $ 6,125 | 2,938 | $ 6,125 | 2,938
Tax Refund Advance Loans |  |  |  |
Allowance for loan losses: |  |  |  |
Beginning balance |  |  |  | 0
Provision for credit losses 1 |  |  |  | 1,860
Losses Charged Off |  |  |  | (1,860)
Recoveries |  |  |  | 0
Ending balance |  | $ 0 |  | $ 0

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