Loans and Allowance for Credit Losses (Tables)

3 Months Ended

Mar. 31, 2022

Receivables [Abstract]

Summary of Loan Classes and Aging of Past Due Loans

This table provides a summary of loan classes and an aging of past due loans at March 31, 2022 and December 31, 2021 (in thousands):

	March 31, 2022
	30-89 Days Past Due and Accruing		Greater than 90 Days Past Due and Accruing		Nonaccrual Loans		Total Past Due		Current		Total Loans
Loans
Commercial and industrial	$	4,564	$	1,375	$	91,053	$	96,992	$	7,516,907	$	7,613,899
Specialty lending		—		—		11,797		11,797		494,063		505,860
Commercial real estate		9,470		463		2,651		12,584		6,406,926		6,419,510
Consumer real estate		1,397		—		3,892		5,289		2,388,025		2,393,314
Consumer		49		1		572		622		132,193		132,815
Credit cards		1,679		1,761		366		3,806		393,294		397,100
Leases and other		—		—		25		25		269,177		269,202
Total loans	$	17,159	$	3,600	$	110,356	$	131,115	$	17,600,585	$	17,731,700

	December 31, 2021
	30-89 Days Past Due and Accruing		Greater than 90 Days Past Due and Accruing		Nonaccrual Loans		Total Past Due		Current		Total Loans
Loans
Commercial and industrial	$	2,827	$	896	$	82,845	$	86,568	$	7,171,552	$	7,258,120
Specialty lending		—		—		—		—		522,362		522,362
Commercial real estate		962		—		4,688		5,650		6,261,894		6,267,544
Consumer real estate		246		489		4,210		4,945		2,315,088		2,320,033
Consumer		105		2		75		182		128,953		129,135
Credit cards		2,369		1,246		457		4,072		387,317		391,389
Leases and other		—		—		25		25		282,263		282,288
Total loans	$	6,509	$	2,633	$	92,300	$	101,442	$	17,069,429	$	17,170,871

Summary of Amortized Cost of Nonaccrual Loans with No Related Allowance

The following tables provide the amortized cost of nonaccrual loans with no related allowance for credit losses by loan class at March 31, 2022 and December 31, 2021 (in thousands):

	March 31, 2022
	Nonaccrual Loans		Amortized Cost of Nonaccrual Loans with no related Allowance
Loans
Commercial and industrial	$	91,053	$	81,686
Specialty lending		11,797		11,797
Commercial real estate		2,651		2,651
Consumer real estate		3,892		3,892
Consumer		572		572
Credit cards		366		366
Leases and other		25		25
Total loans	$	110,356	$	100,989

	December 31, 2021
	Nonaccrual Loans		Amortized Cost of Nonaccrual Loans with no related Allowance
Loans
Commercial and industrial	$	82,845	$	76,493
Specialty lending		—		—
Commercial real estate		4,688		4,688
Consumer real estate		4,210		4,210
Consumer		75		75
Credit cards		457		457
Leases and other		25		25
Total loans	$	92,300	$	85,948

Summary of Amortized Cost Balance of Each of Loan Classes Disaggregated by Collateral Type and Origination Year

The following tables provide a summary of the amortized cost balance of each of the Company’s loan classes disaggregated by collateral type and origination year as of March 31, 2022 and December 31, 2021 (in thousands):

	March 31, 2022
													Amortized Cost - Revolving Loans		Amortized Cost - Revolving Loans Converted to Term Loans
Loan Segment and Type	Amortized Cost Basis by Origination Year - Term Loans
	2022		2021		2020		2019		2018		Prior						Total
Commercial and industrial:
Equipment/Accounts Receivable/Inventory	$	469,143	$	2,163,848	$	814,546	$	327,868	$	129,190	$	167,029	$	3,362,138	$	31,816	$	7,465,578
Agriculture		2,134		10,521		5,608		2,846		857		1,022		119,042		—		142,030
Overdrafts		—		—		—		—		—		—		6,291		—		6,291
Total Commercial and industrial		471,277		2,174,369		820,154		330,714		130,047		168,051		3,487,471		31,816		7,613,899
Specialty lending:
Asset-based lending		381		41,195		46,958		—		—		—		417,326		—		505,860
Total Specialty lending		381		41,195		46,958		—		—		—		417,326		—		505,860
Commercial real estate:
Owner-occupied		222,719		655,646		463,030		205,136		157,972		237,072		30,383		—		1,971,958
Non-owner-occupied		299,175		980,164		628,839		490,943		117,452		339,899		9,973		—		2,866,445
Farmland		16,236		65,635		261,388		28,963		17,528		53,334		32,177		—		475,261
5+ Multi-family		32,049		30,783		98,196		19,354		1,687		7,255		4,485		—		193,809
1-4 Family construction		16,137		45,105		741		6,753		—		—		2,412		—		71,148
General construction		54,487		541,587		168,536		61,272		62		444		14,501		—		840,889
Total Commercial real estate		640,803		2,318,920		1,620,730		812,421		294,701		638,004		93,931		—		6,419,510
Consumer real estate:
HELOC		—		195		514		344		567		6,529		302,902		1,692		312,743
First lien: 1-4 family		182,247		803,684		675,494		188,428		55,015		153,632		19		—		2,058,519
Junior lien: 1-4 family		1,689		8,371		5,699		3,046		1,241		1,959		47		—		22,052
Total Consumer real estate		183,936		812,250		681,707		191,818		56,823		162,120		302,968		1,692		2,393,314
Consumer:
Revolving line		179		971		—		—		—		—		58,028		1,270		60,448
Auto		2,666		9,014		6,794		4,577		810		486		—		—		24,347
Other		6,983		29,744		1,691		1,635		1,419		2,311		4,237		—		48,020
Total Consumer		9,828		39,729		8,485		6,212		2,229		2,797		62,265		1,270		132,815
Credit cards:
Consumer		—		—		—		—		—		—		171,735		—		171,735
Commercial		—		—		—		—		—		—		225,365		—		225,365
Total Credit cards		—		—		—		—		—		—		397,100		—		397,100
Leases and other:
Leases		—		—		—		814		—		1,323		—		—		2,137
Other		536		98,148		45,585		59,213		21,641		5,585		36,357		—		267,065
Total Leases and other		536		98,148		45,585		60,027		21,641		6,908		36,357		—		269,202
Total loans	$	1,306,761	$	5,484,611	$	3,223,619	$	1,401,192	$	505,441	$	977,880	$	4,797,418	$	34,778	$	17,731,700

	December 31, 2021
													Amortized Cost - Revolving Loans		Amortized Cost - Revolving Loans Converted to Term Loans
Loan Segment and Type	Amortized Cost Basis by Origination Year - Term Loans
	2021		2020		2019		2018		2017		Prior						Total
Commercial and industrial:
Equipment/Accounts Receivable/Inventory	$	2,400,110	$	945,383	$	356,348	$	150,892	$	115,571	$	131,900	$	2,984,740	$	247	$	7,085,191
Agriculture		12,077		5,884		3,308		640		344		1,143		130,946		—		154,342
Overdrafts		—		—		—		—		—		—		18,587		—		18,587
Total Commercial and industrial		2,412,187		951,267		359,656		151,532		115,915		133,043		3,134,273		247		7,258,120
Specialty lending:
Asset-based lending		34,552		49,373		—		—		—		—		331,282		—		415,207
Factoring		—		—		—		—		—		—		107,155		—		107,155
Total Specialty lending		34,552		49,373		—		—		—		—		438,437		—		522,362
Commercial real estate:
Owner-occupied		680,135		519,448		226,631		177,576		91,539		159,482		11,727		—		1,866,538
Non-owner-occupied		1,058,025		689,167		591,886		162,491		135,100		258,541		10,969		—		2,906,179
Farmland		61,505		273,624		34,145		16,969		19,929		34,858		38,239		999		480,268
5+ Multi-family		58,268		95,024		41,426		1,206		511		6,820		2,057		—		205,312
1-4 Family construction		53,004		4,933		17,333		—		—		—		985		—		76,255
General construction		439,973		160,553		64,283		38,505		203		256		29,219		—		732,992
Total Commercial real estate		2,350,910		1,742,749		975,704		396,747		247,282		459,957		93,196		999		6,267,544
Consumer real estate:
HELOC		248		547		327		574		646		6,363		320,410		2,523		331,638
First lien: 1-4 family		830,513		712,264		200,167		58,734		61,641		102,997		19		—		1,966,335
Junior lien: 1-4 family		9,114		6,299		3,361		1,150		820		1,299		17		—		22,060
Total Consumer real estate		839,875		719,110		203,855		60,458		63,107		110,659		320,446		2,523		2,320,033
Consumer:
Revolving line		974		—		—		—		—		—		60,049		120		61,143
Auto		9,886		7,775		5,462		1,107		479		220		—		—		24,929
Other		31,391		2,041		1,949		1,543		2,542		708		2,889		—		43,063
Total Consumer		42,251		9,816		7,411		2,650		3,021		928		62,938		120		129,135
Credit cards:
Consumer		—		—		—		—		—		—		180,296		—		180,296
Commercial		—		—		—		—		—		—		211,093		—		211,093
Total Credit cards		—		—		—		—		—		—		391,389		—		391,389
Leases and other:
Leases		—		—		814		—		739		614		—		—		2,167
Other		99,952		44,113		58,164		22,344		5,631		779		49,138		—		280,121
Total Leases and other		99,952		44,113		58,978		22,344		6,370		1,393		49,138		—		282,288
Total loans	$	5,779,727	$	3,516,428	$	1,605,604	$	633,731	$	435,695	$	705,980	$	4,489,817	$	3,889	$	17,170,871

Summary of Amortized Cost Balance by Collateral Type and Risk Rating

The following tables provide a summary of the amortized cost balance by collateral type and risk rating as of March 31, 2022 and December 31, 2021 (in thousands):

	March 31, 2022
													Amortized Cost - Revolving Loans		Amortized Cost - Revolving Loans Converted to Term Loans
Risk by Collateral	Amortized Cost Basis by Origination Year - Term Loans
	2022		2021		2020		2019		2018		Prior						Total
Equipment/Accounts Receivable/Inventory
Non-watch list – Pass	$	443,997	$	2,048,497	$	745,218	$	298,758	$	120,445	$	157,038	$	3,138,826	$	31,698	$	6,984,477
Watch – Pass		15,779		103,276		32,486		22,977		4,771		2,150		103,130		—		284,569
Special Mention		—		2,984		2,386		2,600		570		2,654		38,673		—		49,867
Substandard		9,367		8,812		1,206		3,533		3,404		660		44,779		118		71,879
Doubtful		—		279		33,250		—		—		4,527		36,730		—		74,786
Total Equipment/Accounts Receivable/Inventory	$	469,143	$	2,163,848	$	814,546	$	327,868	$	129,190	$	167,029	$	3,362,138	$	31,816	$	7,465,578
Agriculture
Non-watch list – Pass	$	1,934	$	10,167	$	5,401	$	2,542	$	703	$	1,022	$	101,422	$	—	$	123,191
Watch – Pass		—		354		—		304		154		—		3,632		—		4,444
Special Mention		200		—		—		—		—		—		—		—		200
Substandard		—		—		207		—		—		—		13,988		—		14,195
Doubtful		—		—		—		—		—		—		—		—		—
Total Agriculture	$	2,134	$	10,521	$	5,608	$	2,846	$	857	$	1,022	$	119,042	$	—	$	142,030

	December 31, 2021
													Amortized Cost - Revolving Loans		Amortized Cost - Revolving Loans Converted to Term Loans
Risk by Collateral	Amortized Cost Basis by Origination Year - Term Loans
	2021		2020		2019		2018		2017		Prior						Total
Equipment/Accounts Receivable/Inventory
Non-watch list – Pass	$	2,299,784	$	874,786	$	325,630	$	141,667	$	106,141	$	130,153	$	2,750,764	$	247	$	6,629,172
Watch – Pass		68,322		34,324		25,572		5,056		1,794		698		106,177		—		241,943
Special Mention		5,886		—		2,600		592		1,742		997		41,209		—		53,026
Substandard		25,466		3,023		2,546		3,577		1,202		52		45,053		—		80,919
Doubtful		652		33,250		—		—		4,692		—		41,537		—		80,131
Total Equipment/Accounts Receivable/Inventory	$	2,400,110	$	945,383	$	356,348	$	150,892	$	115,571	$	131,900	$	2,984,740	$	247	$	7,085,191
Agriculture
Non-watch list – Pass	$	11,512	$	5,394	$	2,608	$	212	$	344	$	1,143	$	100,630	$	—	$	121,843
Watch – Pass		500		222		328		428		—		—		6,532		—		8,010
Special Mention		—		—		372		—		—		—		1,361		—		1,733
Substandard		65		268		—		—		—		—		22,423		—		22,756
Doubtful		—		—		—		—		—		—		—		—		—
Total Agriculture	$	12,077	$	5,884	$	3,308	$	640	$	344	$	1,143	$	130,946	$	—	$	154,342

The following tables provide a summary of the amortized cost balance by collateral type and risk rating as of March 31, 2022 and December 31, 2021 (in thousands):

	March 31, 2022
													Amortized Cost - Revolving Loans		Amortized Cost - Revolving Loans Converted to Term Loans
Risk by Collateral	Amortized Cost Basis by Origination Year - Term Loans
	2022		2021		2020		2019		2018		Prior						Total
Owner-occupied
Non-watch list – Pass	$	220,777	$	654,551	$	451,647	$	175,858	$	156,402	$	230,287	$	30,283	$	—	$	1,919,805
Watch – Pass		1,942		820		10,090		9,843		1,048		3,466		—		—		27,209
Special Mention		—		90		1,263		17,091		—		—		—		—		18,444
Substandard		—		185		30		2,344		522		3,319		100		—		6,500
Doubtful		—		—		—		—		—		—		—		—		—
Total Owner-occupied	$	222,719	$	655,646	$	463,030	$	205,136	$	157,972	$	237,072	$	30,383	$	—	$	1,971,958
Non-owner-occupied
Non-watch list – Pass	$	270,118	$	934,677	$	620,352	$	452,911	$	94,777	$	298,577	$	9,973	$	—	$	2,681,385
Watch – Pass		29,057		45,487		—		38,032		22,675		5,228		—		—		140,479
Special Mention		—		—		8,487		—		—		36,069		—		—		44,556
Substandard		—		—		—		—		—		25		—		—		25
Doubtful		—		—		—		—		—		—		—		—		—
Total Non-owner-occupied	$	299,175	$	980,164	$	628,839	$	490,943	$	117,452	$	339,899	$	9,973	$	—	$	2,866,445
Farmland
Non-watch list – Pass	$	12,236	$	44,152	$	234,926	$	21,444	$	3,302	$	51,476	$	23,939	$	—	$	391,475
Watch – Pass		—		2,241		11,214		—		227		1,055		—		—		14,737
Special Mention		4,000		3,800		—		6,583		13,983		—		7,274		—		35,640
Substandard		—		15,442		15,248		936		16		803		964		—		33,409
Doubtful		—		—		—		—		—		—		—		—		—
Total Farmland	$	16,236	$	65,635	$	261,388	$	28,963	$	17,528	$	53,334	$	32,177	$	—	$	475,261
5+ Multi-family
Non-watch list – Pass	$	32,049	$	30,783	$	98,196	$	19,354	$	1,687	$	7,255	$	4,485	$	—	$	193,809
Watch – Pass		—		—		—		—		—		—		—		—		—
Special Mention		—		—		—		—		—		—		—		—		—
Substandard		—		—		—		—		—		—		—		—		—
Doubtful		—		—		—		—		—		—		—		—		—
Total 5+ Multi-family	$	32,049	$	30,783	$	98,196	$	19,354	$	1,687	$	7,255	$	4,485	$	—	$	193,809
1-4 Family construction
Non-watch list – Pass	$	16,137	$	45,105	$	741	$	6,753	$	—	$	—	$	2,412	$	—	$	71,148
Watch – Pass		—		—		—		—		—		—		—		—		—
Special Mention		—		—		—		—		—		—		—		—		—
Substandard		—		—		—		—		—		—		—		—		—
Doubtful		—		—		—		—		—		—		—		—		—
Total 1-4 Family construction	$	16,137	$	45,105	$	741	$	6,753	$	—	$	—	$	2,412	$	—	$	71,148
General construction
Non-watch list – Pass	$	54,487	$	521,028	$	168,536	$	61,186	$	62	$	427	$	14,501	$	—	$	820,227
Watch – Pass		—		4,114		—		—		—		—		—		—		4,114
Special Mention		—		16,445		—		—		—		—		—		—		16,445
Substandard		—		—		—		—		—		17		—		—		17
Doubtful		—		—		—		86		—		—		—		—		86
Total General construction	$	54,487	$	541,587	$	168,536	$	61,272	$	62	$	444	$	14,501	$	—	$	840,889

	December 31, 2021
													Amortized Cost - Revolving Loans		Amortized Cost - Revolving Loans Converted to Term Loans
Risk by Collateral	Amortized Cost Basis by Origination Year - Term Loans
	2021		2020		2019		2018		2017		Prior						Total
Owner-occupied
Non-watch list – Pass	$	679,662	$	507,220	$	208,376	$	174,352	$	89,588	$	154,920	$	11,627	$	—	$	1,825,745
Watch – Pass		191		10,891		16,493		1,055		1,143		1,572		—		—		31,345
Special Mention		93		1,304		—		—		—		—		—		—		1,397
Substandard		189		33		1,762		2,169		808		2,990		100		—		8,051
Doubtful		—		—		—		—		—		—		—		—		—
Total Owner-occupied	$	680,135	$	519,448	$	226,631	$	177,576	$	91,539	$	159,482	$	11,727	$	—	$	1,866,538
Non-owner-occupied
Non-watch list – Pass	$	976,097	$	679,313	$	536,084	$	143,243	$	129,820	$	219,701	$	10,969	$	—	$	2,695,227
Watch – Pass		57,052		1,277		55,802		19,248		5,280		2,587		—		—		141,246
Special Mention		24,876		8,577		—		—		—		36,223		—		—		69,676
Substandard		—		—		—		—		—		30		—		—		30
Doubtful		—		—		—		—		—		—		—		—		—
Total Non-owner-occupied	$	1,058,025	$	689,167	$	591,886	$	162,491	$	135,100	$	258,541	$	10,969	$	—	$	2,906,179
Farmland
Non-watch list – Pass	$	40,526	$	246,955	$	26,332	$	2,147	$	19,199	$	29,136	$	28,276	$	—	$	392,571
Watch – Pass		2,263		10,177		—		823		213		4,889		—		—		18,365
Special Mention		3,800		—		6,875		13,983		517		—		8,999		—		34,174
Substandard		14,916		16,492		938		16		—		833		964		999		35,158
Doubtful		—		—		—		—		—		—		—		—		—
Total Farmland	$	61,505	$	273,624	$	34,145	$	16,969	$	19,929	$	34,858	$	38,239	$	999	$	480,268
5+ Multi-family
Non-watch list – Pass	$	58,268	$	95,024	$	41,426	$	1,206	$	511	$	6,820	$	2,057	$	—	$	205,312
Watch – Pass		—		—		—		—		—		—		—		—		—
Special Mention		—		—		—		—		—		—		—		—		—
Substandard		—		—		—		—		—		—		—		—		—
Doubtful		—		—		—		—		—		—		—		—		—
Total 5+ Multi-family	$	58,268	$	95,024	$	41,426	$	1,206	$	511	$	6,820	$	2,057	$	—	$	205,312
1-4 Family construction
Non-watch list – Pass	$	53,004	$	4,933	$	17,333	$	—	$	—	$	—	$	985	$	—	$	76,255
Watch – Pass		—		—		—		—		—		—		—		—		—
Special Mention		—		—		—		—		—		—		—		—		—
Substandard		—		—		—		—		—		—		—		—		—
Doubtful		—		—		—		—		—		—		—		—		—
Total 1-4 Family construction	$	53,004	$	4,933	$	17,333	$	—	$	—	$	—	$	985	$	—	$	76,255
General construction
Non-watch list – Pass	$	436,696	$	160,553	$	62,675	$	38,505	$	203	$	239	$	29,219	$	—	$	728,090
Watch – Pass		3,277		—		—		—		—		—		—		—		3,277
Special Mention		—		—		—		—		—		—		—		—		—
Substandard		—		—		1,522		—		—		17		—		—		1,539
Doubtful		—		—		86		—		—		—		—		—		86
Total General construction	$	439,973	$	160,553	$	64,283	$	38,505	$	203	$	256	$	29,219	$	—	$	732,992

The following tables provide a summary of the amortized cost balance by collateral type and risk rating as of March 31, 2022 and December 31, 2021 (in thousands):

	March 31, 2022
													Amortized Cost - Revolving Loans		Amortized Cost - Revolving Loans Converted to Term Loans
Risk by Collateral	Amortized Cost Basis by Origination Year - Term Loans
	2022		2021		2020		2019		2018		Prior						Total
HELOC
Performing	$	—	$	195	$	514	$	206	$	164	$	4,873	$	302,804	$	1,538	$	310,294
Non-performing		—		—		—		138		403		1,656		98		154		2,449
Total HELOC	$	—	$	195	$	514	$	344	$	567	$	6,529	$	302,902	$	1,692	$	312,743
First lien: 1-4 family
Performing	$	182,247	$	803,684	$	675,440	$	188,225	$	54,978	$	152,556	$	19	$	—	$	2,057,149
Non-performing		—		—		54		203		37		1,076		—		—		1,370
Total First lien: 1-4 family	$	182,247	$	803,684	$	675,494	$	188,428	$	55,015	$	153,632	$	19	$	—	$	2,058,519
Junior lien: 1-4 family
Performing	$	1,689	$	8,371	$	5,699	$	3,046	$	1,234	$	1,893	$	47	$	—	$	21,979
Non-performing		—		—		—		—		7		66		—		—		73
Total Junior lien: 1-4 family	$	1,689	$	8,371	$	5,699	$	3,046	$	1,241	$	1,959	$	47	$	—	$	22,052

	December 31, 2021
													Amortized Cost - Revolving Loans		Amortized Cost - Revolving Loans Converted to Term Loans
Risk by Collateral	Amortized Cost Basis by Origination Year - Term Loans
	2021		2020		2019		2018		2017		Prior						Total
HELOC
Performing	$	248	$	531	$	188	$	165	$	381	$	4,956	$	320,241	$	2,440	$	329,150
Non-performing		—		16		139		409		265		1,407		169		83		2,488
Total HELOC	$	248	$	547	$	327	$	574	$	646	$	6,363	$	320,410	$	2,523	$	331,638
First lien: 1-4 family
Performing	$	830,513	$	712,194	$	199,949	$	58,585	$	61,233	$	102,194	$	19	$	—	$	1,964,687
Non-performing		—		70		218		149		408		803		—		—		1,648
Total First lien: 1-4 family	$	830,513	$	712,264	$	200,167	$	58,734	$	61,641	$	102,997	$	19	$	—	$	1,966,335
Junior lien: 1-4 family
Performing	$	9,114	$	6,299	$	3,361	$	1,143	$	800	$	1,251	$	17	$	—	$	21,985
Non-performing		—		—		—		7		20		48		—		—		75
Total Junior lien: 1-4 family	$	9,114	$	6,299	$	3,361	$	1,150	$	820	$	1,299	$	17	$	—	$	22,060

The following tables provide a summary of the amortized cost balance by collateral type and risk rating as of March 31, 2022 and December 31, 2021 (in thousands):

	March 31, 2022
													Amortized Cost - Revolving Loans		Amortized Cost - Revolving Loans Converted to Term Loans
Risk by Collateral	Amortized Cost Basis by Origination Year - Term Loans
	2022		2021		2020		2019		2018		Prior						Total
Revolving line
Performing	$	179	$	971	$	—	$	—	$	—	$	—	$	57,532	$	1,270	$	59,952
Non-performing		—		—		—		—		—		—		496		—		496
Total Revolving line	$	179	$	971	$	—	$	—	$	—	$	—	$	58,028	$	1,270	$	60,448
Auto
Performing	$	2,666	$	8,990	$	6,794	$	4,543	$	810	$	486	$	—	$	—	$	24,289
Non-performing		—		24		—		34		—		—		—		—		58
Total Auto	$	2,666	$	9,014	$	6,794	$	4,577	$	810	$	486	$	—	$	—	$	24,347
Other
Performing	$	6,983	$	29,744	$	1,676	$	1,635	$	1,419	$	2,309	$	4,237	$	—	$	48,003
Non-performing		—		—		15		—		—		2		—		—		17
Total Other	$	6,983	$	29,744	$	1,691	$	1,635	$	1,419	$	2,311	$	4,237	$	—	$	48,020

	December 31, 2021
													Amortized Cost - Revolving Loans		Amortized Cost - Revolving Loans Converted to Term Loans
Risk by Collateral	Amortized Cost Basis by Origination Year - Term Loans
	2021		2020		2019		2018		2017		Prior						Total
Revolving line
Performing	$	974	$	—	$	—	$	—	$	—	$	—	$	60,049	$	120	$	61,143
Non-performing		—		—		—		—		—		—		—		—		—
Total Revolving line	$	974	$	—	$	—	$	—	$	—	$	—	$	60,049	$	120	$	61,143
Auto
Performing	$	9,886	$	7,775	$	5,424	$	1,107	$	479	$	220	$	—	$	—	$	24,891
Non-performing		—		—		38		—		—		—		—		—		38
Total Auto	$	9,886	$	7,775	$	5,462	$	1,107	$	479	$	220	$	—	$	—	$	24,929
Other
Performing	$	31,391	$	2,025	$	1,949	$	1,525	$	2,542	$	704	$	2,889	$	—	$	43,025
Non-performing		—		16		—		18		—		4		—		—		38
Total Other	$	31,391	$	2,041	$	1,949	$	1,543	$	2,542	$	708	$	2,889	$	—	$	43,063

The following table provides a summary of the amortized cost balance of consumer credit cards by risk rating as of March 31, 2022 and December 31, 2021 (in thousands):

	Consumer
Risk	March 31, 2022		December 31, 2021
Transactor accounts	$	54,503	$	57,777
Revolver accounts (by FICO score):
Less than 600		4,395		6,065
600-619		2,534		2,416
620-639		4,361		4,158
640-659		7,723		7,854
660-679		9,251		13,185
680-699		11,881		15,365
700-719		14,462		16,308
720-739		13,811		14,753
740-759		12,573		12,734
760-779		12,806		8,879
780-799		11,629		7,048
800-819		7,598		5,787
820-839		3,441		5,026
840+		767		2,941
Total	$	171,735	$	180,296

The following table provides a summary of the amortized cost balance of commercial credit cards by risk rating as of March 31, 2022 and December 31, 2021 (in thousands):

	Commercial
Risk	March 31, 2022		December 31, 2021
Current	$	214,300	$	200,402
Past Due		11,065		10,691
Total	$	225,365	$	211,093

The following table provides a summary of the amortized cost balance by collateral type and risk rating as of March 31, 2022 and December 31, 2021 (in thousands):

	Leases				Other
Risk	March 31, 2022		December 31, 2021		March 31, 2022		December 31, 2021
Non-watch list – Pass	$	2,137	$	2,167	$	266,334	$	279,401
Watch – Pass		—		—		706		695
Special Mention		—		—		—		—
Substandard		—		—		25		25
Doubtful		—		—		—		—
Total	$	2,137	$	2,167	$	267,065	$	280,121

Rollforward of Allowance for Credit/Loan Losses by Portfolio Segment

This table provides a rollforward of the allowance for credit losses by portfolio segment for the three months ended March 31, 2022 and March 31, 2021 (in thousands):

	Three Months Ended March 31, 2022
	Commercial and industrial			Specialty lending			Commercial real estate			Consumer real estate			Consumer			Credit cards			Leases and other			Total - Loans			HTM		Total
Allowance for credit losses:
Beginning balance	$	123,732		$	1,738		$	56,265		$	3,921		$	845		$	6,075		$	2,195		$	194,771		$	1,940	$	196,711
Charge-offs		(8,202	)		—			—			(32	)		(158	)		(1,465	)		—			(9,857	)		—		(9,857	)
Recoveries		661			—			362			28			29			399			—			1,479			—		1,479
Provision		2,477			(877	)		(9,317	)		120			(298	)		810			(20	)		(7,105	)		105		(7,000	)
Ending balance - ACL	$	118,668		$	861		$	47,310		$	4,037		$	418		$	5,819		$	2,175		$	179,288		$	2,045	$	181,333
Allowance for credit losses on off-balance sheet credit exposures:
Beginning balance	$	1,739		$	160		$	480		$	106		$	—		$	—		$	15		$	2,500		$	88	$	2,588
Provision		439			26			(62	)		18			13			—			47			481			19		500
Ending balance - ACL on off-balance sheet	$	2,178		$	186		$	418		$	124		$	13		$	—		$	62		$	2,981		$	107	$	3,088

	Three Months Ended March 31, 2021
	Commercial and industrial			Specialty lending			Commercial real estate			Consumer real estate			Consumer			Credit cards			Leases and other			Total - Loans			HTM		Total
Allowance for credit losses:
Beginning balance	$	122,700		$	5,219		$	61,931		$	6,586		$	1,480		$	15,786		$	2,271		$	215,973		$	2,610	$	218,583
Charge-offs		(4,717	)		—			—			(76	)		(109	)		(1,692	)		(8	)		(6,602	)		—		(6,602	)
Recoveries		126			115			509			59			23			442			18			1,292			—		1,292
Provision		1,459			(661	)		(2,397	)		(2,386	)		(791	)		(2,392	)		(681	)		(7,849	)		349		(7,500	)
Ending balance - ACL	$	119,568		$	4,673		$	60,043		$	4,183		$	603		$	12,144		$	1,600		$	202,814		$	2,959	$	205,773
Allowance for credit losses on off-balance sheet credit exposures:
Beginning balance	$	3,859		$	287		$	447		$	145		$	381		$	—		$	414		$	5,533		$	55	$	5,588
Provision		—			—			—			—			—			—			—			—			—		—
Ending balance - ACL on off-balance sheet	$	3,859		$	287		$	447		$	145		$	381		$	—		$	414		$	5,533		$	55	$	5,588

Summary of Amortized Cost Balance of Financial Assets Considered Collateral Dependent

The following tables provide the amortized cost balance of financial assets considered collateral dependent as of March 31, 2022 and December 31, 2021 (in thousands):

	March 31, 2022
Loan Segment and Type	Amortized Cost of Collateral Dependent Assets		Related Allowance for Credit Losses		Amortized Cost of Collateral Dependent Assets with no related Allowance
Commercial and industrial:
Equipment/Accounts Receivable/Inventory	$	91,053	$	500	$	81,686
Agriculture		—		—		—
Total Commercial and industrial		91,053		500		81,686
Specialty lending:
Asset-based lending		11,797		—		11,797
Total Specialty lending		11,797		—		11,797
Commercial real estate:
Owner-occupied		2,293		—		2,293
Non-owner-occupied		—		—		—
Farmland		440		—		440
5+ Multi-family		—		—		—
1-4 Family construction		—		—		—
General construction		103		—		103
Total Commercial real estate		2,836		—		2,836
Consumer real estate:
HELOC		2,449		—		2,449
First lien: 1-4 family		1,370		—		1,370
Junior lien: 1-4 family		73		—		73
Total Consumer real estate		3,892		—		3,892
Consumer:
Revolving line		496		—		496
Auto		58		—		58
Other		18		—		18
Total Consumer		572		—		572
Leases and other:
Leases		—		—		—
Other		25		—		25
Total Leases and other		25		—		25
Total loans	$	110,175	$	500	$	100,808

	December 31, 2021
Loan Segment and Type	Amortized Cost of Collateral Dependent Assets		Related Allowance for Credit Losses		Amortized Cost of Collateral Dependent Assets with no related Allowance
Commercial and industrial:
Equipment/Accounts Receivable/Inventory	$	82,845	$	2,421	$	76,493
Agriculture		—		—		—
Total Commercial and industrial		82,845		2,421		76,493
Specialty lending:
Asset-based lending		—		—		—
Factoring		—		—		—
Total Specialty lending		—		—		—
Commercial real estate:
Owner-occupied		2,764		—		2,764
Non-owner-occupied		—		—		—
Farmland		487		—		487
5+ Multi-family		—		—		—
1-4 Family construction		—		—		—
General construction		1,626		—		1,626
Total Commercial real estate		4,877		—		4,877
Consumer real estate:
HELOC		2,488		—		2,488
First lien: 1-4 family		1,647		—		1,647
Junior lien: 1-4 family		75		—		75
Total Consumer real estate		4,210		—		4,210
Consumer:
Revolving line		—		—		—
Auto		38		—		38
Other		37		—		37
Total Consumer		75		—		75
Leases and other:
Leases		—		—		—
Other		25		—		25
Total Leases and other		25		—		25
Total loans	$	92,032	$	2,421	$	85,680