Loans and Leases (Tables)

12 Months Ended

Dec. 31, 2023

Receivables [Abstract]

Schedule Of Composition of Loans Portfolio

The following table summarizes the composition of our loans and leases held for investment as of the dates indicated:

	December 31,
	2023		2022
	(In thousands)
Real estate mortgage	$	16,133,300	$	15,762,351
Real estate construction and land (1)	3,180,850		4,221,853
Commercial	5,767,570		8,297,182
Consumer	453,010		444,630
Total gross loans and leases held for investment	25,534,730		28,726,016
Deferred fees, net	(45,043)		(116,887)
Total loans and leases held for investment, net of deferred fees	25,489,687		28,609,129
Allowance for loan and lease losses	(281,687)		(200,732)
Total loans and leases held for investment, net (2)	$	25,208,000	$	28,408,397

____________________

(1)    Includes land and acquisition and development loans of $228.9 million and $153.5 million at December 31, 2023 and 2022.

(2)    Excludes accrued interest receivable of $111.3 million and $124.3 million at December 31, 2023 and 2022, which is recorded in "Other assets" on the consolidated balance sheets.

Delinquent loans in loan portfolio

The following tables present an aging analysis of our loans and leases held for investment, net of deferred fees, by loan portfolio segment and class as of the dates indicated:

	December 31, 2023
	30 - 89		90 or More
	Days		Days		Total
	Past Due		Past Due		Past Due		Current		Total
	(In thousands)
Real estate mortgage:
Commercial	$	12,618	$	15,168	$	27,786	$	4,998,711	$	5,026,497
Residential	2,302		1,020		3,322		6,021,857		6,025,179
Other residential	93,042		4,341		97,383		4,962,926		5,060,309
Total real estate mortgage	107,962		20,529		128,491		15,983,494		16,111,985
Real estate construction and land:
Commercial	—		—		—		759,585		759,585
Residential	—		—		—		2,399,684		2,399,684
Total real estate construction and land	—		—		—		3,159,269		3,159,269
Commercial:
Asset-based	608		2,689		3,297		2,185,788		2,189,085
Venture capital	—		—		—		1,446,362		1,446,362
Other commercial	1,276		6,993		8,269		2,121,591		2,129,860
Total commercial	1,884		9,682		11,566		5,753,741		5,765,307
Consumer	3,461		670		4,131		448,995		453,126
Total	$	113,307	$	30,881	$	144,188	$	25,345,499	$	25,489,687

	December 31, 2022
	30 - 89		90 or More
	Days		Days		Total
	Past Due		Past Due		Past Due		Current		Total
	(In thousands)
Real estate mortgage:
Commercial	$	1,721	$	29,269	$	30,990	$	3,815,841	$	3,846,831
Residential	—		—		—		5,607,865		5,607,865
Other residential	101,728		39,875		141,603		6,134,025		6,275,628
Total real estate mortgage	103,449		69,144		172,593		15,557,731		15,730,324
Real estate construction and land:
Commercial	—		—		—		898,592		898,592
Residential	—		—		—		3,253,580		3,253,580
Total real estate construction and land	—		—		—		4,152,172		4,152,172
Commercial:
Asset-based	—		434		434		5,139,775		5,140,209
Venture capital	—		—		—		2,033,302		2,033,302
Other commercial	461		1,195		1,656		1,106,795		1,108,451
Total commercial	461		1,629		2,090		8,279,872		8,281,962
Consumer	1,935		149		2,084		442,587		444,671
Total	$	105,845	$	70,922	$	176,767	$	28,432,362	$	28,609,129

Financing Receivable Non Accrual And Performing

The following table presents our nonaccrual and performing loans and leases held for investment, net of deferred fees, by loan portfolio segment and class as of the dates indicated:  

	December 31,
	2023						2022
	Nonaccrual		Performing		Total		Nonaccrual		Performing		Total
	(In thousands)
Real estate mortgage:
Commercial	$	15,669	$	5,010,828	$	5,026,497	$	42,509	$	3,804,322	$	3,846,831
Residential	1,020		6,024,159		6,025,179		—		5,607,865		5,607,865
Other residential	31,041		5,029,268		5,060,309		55,893		6,219,735		6,275,628
Total real estate mortgage	47,730		16,064,255		16,111,985		98,402		15,631,922		15,730,324
Real estate construction and land:
Commercial	—		759,585		759,585		—		898,592		898,592
Residential	—		2,399,684		2,399,684		—		3,253,580		3,253,580
Total real estate construction and land	—		3,159,269		3,159,269		—		4,152,172		4,152,172
Commercial:
Asset-based	2,689		2,186,396		2,189,085		865		5,139,344		5,140,209
Venture capital	325		1,446,037		1,446,362		—		2,033,302		2,033,302
Other commercial	10,972		2,118,888		2,129,860		4,345		1,104,106		1,108,451
Total commercial	13,986		5,751,321		5,765,307		5,210		8,276,752		8,281,962
Consumer	811		452,315		453,126		166		444,505		444,671
Total	$	62,527	$	25,427,160	$	25,489,687	$	103,778	$	28,505,351	$	28,609,129

CV of Loans Held for Investment by Class by Classified and Nonclassiified

The following tables present the credit risk rating categories for loans and leases held for investment by loan portfolio segment and class as of the dates indicated. Classified loans and leases are those with a credit risk rating of either substandard or doubtful.

	December 31, 2023
	Classified		Special Mention		Pass		Total
	(In thousands)
Real estate mortgage:
Commercial	$	75,739	$	219,687	$	4,731,071	$	5,026,497
Residential	74,954		108,356		5,841,869		6,025,179
Other residential	38,155		54,197		4,967,957		5,060,309
Total real estate mortgage	188,848		382,240		15,540,897		16,111,985
Real estate construction and land:
Commercial	—		—		759,585		759,585
Residential	—		2,757		2,396,927		2,399,684
Total real estate construction and land	—		2,757		3,156,512		3,159,269
Commercial:
Asset-based	4,561		12,506		2,172,018		2,189,085
Venture capital	7,805		98,633		1,339,924		1,446,362
Other commercial	26,044		9,984		2,093,832		2,129,860
Total commercial	38,410		121,123		5,605,774		5,765,307
Consumer	1,159		7,192		444,775		453,126
Total	$	228,417	$	513,312	$	24,747,958	$	25,489,687

	December 31, 2022
	Classified		Special Mention		Pass		Total
	(In thousands)
Real estate mortgage:
Commercial	$	43,737	$	106,493	$	3,696,601	$	3,846,831
Residential	3,611		60,330		5,543,924		5,607,865
Other residential	60,557		58,063		6,157,008		6,275,628
Total real estate mortgage	107,905		224,886		15,397,533		15,730,324
Real estate construction and land:
Commercial	—		91,334		807,258		898,592
Residential	—		45,155		3,208,425		3,253,580
Total real estate construction and land	—		136,489		4,015,683		4,152,172
Commercial:
Asset-based	865		56,836		5,082,508		5,140,209
Venture capital	2,753		127,907		1,902,642		2,033,302
Other commercial	6,473		13,233		1,088,745		1,108,451
Total commercial	10,091		197,976		8,073,895		8,281,962
Consumer	275		6,908		437,488		444,671
Total	$	118,271	$	566,259	$	27,924,599	$	28,609,129

Financing Receivable, Modified, Subsequent Default

The following table presents loan modifications that subsequently defaulted by type of modification for the period indicated with balances as of the date indicated:

	Year Ended December 31, 2023
	Loan Modifications That Subsequently Defaulted
	Amortized Cost Basis at
	December 31, 2023
	Term
	Extension		Total
	(In thousands)
Real estate mortgage:
Other residential	$	735	$	735

Finance Receivable Investment And Interest Income, Nonaccrual

The following table presents our nonaccrual loans and leases by loan portfolio segment and class and by with and without an allowance recorded as of the date indicated and interest income recognized on nonaccrual loans and leases for the year indicated:

	At and For the Year Ended
	December 31, 2023				December 31, 2022
	Nonaccrual		Interest		Nonaccrual		Interest
	Recorded		Income		Recorded		Income
	Investment		Recognized		Investment		Recognized
	(In thousands)
With An Allowance Recorded:
Real estate mortgage:
Commercial	$	385	$	—	$	15,487	$	—
Residential	—		—		—		—
Other residential	514		—		7,967		—
Real estate construction and land:
Commercial	—		—		—		—
Residential	—		—		—		—
Commercial:
Asset based	—		—		431		—
Venture capital	—		—		—		—
Other commercial	1,613		—		1,116		—
Consumer	811		—		166		—
With No Related Allowance Recorded:
Real estate mortgage:
Commercial	$	15,284	$	31	$	27,022	$	444
Residential	1,020		—		—		—
Other residential	30,527		—		47,926		—
Real estate construction and land:
Commercial	—		—		—		—
Residential	—		—		—		—
Commercial:
Asset based	2,689		—		434		—
Venture capital	325		—		—		—
Other commercial	9,359		10		3,229		480
Consumer	—		—		—		—
Total Loans and Leases With and
Without an Allowance Recorded:
Real estate mortgage	$	47,730	$	31	$	98,402	$	444
Real estate construction and land	—		—		—		—
Commercial	13,986		10		5,210		480
Consumer	811		—		166		—
Total	$	62,527	$	41	$	103,778	$	924

Troubled Debt Restructurings on Financing Receivables

TDRs are a result of rate reductions, term extensions, fee concessions, transfers to foreclosed assets, discounted loan payoffs, and debt forgiveness, or a combination thereof. Between March 2020 and December 2021, the Company granted various commercial and consumer loan modifications to provide borrowers relief from the economic impacts of COVID-19. In accordance with the CARES Act, the Company elected to not apply TDR classification to COVID-19 related loan modifications that met all of the requisite criteria as stipulated in the CARES Act. The following table presents our troubled debt restructurings of loans held for investment by loan portfolio segment and class for the years indicated:

						Troubled Debt Restructurings
	Troubled Debt Restructurings					That Subsequently Defaulted(1)
		Pre-Modification		Post-Modification
	Number	Outstanding		Outstanding		Number
	of	Recorded		Recorded		of	Recorded
	Loans	Investment		Investment		Loans	Investment(1)
	(Dollars In thousands)
Year Ended December 31, 2022
Real estate mortgage:
Commercial	4	$	626	$	626	—	$	—
Other residential	21	8,600		1,098		1	97
Real estate construction and land:
Residential	1	483		—		—	—
Commercial:
Venture capital	6	6,262		3,330		—	—
Other commercial	23	1,484		1,484		—	—
Consumer	1	18		18		—	—
Total	56	$	17,473	$	6,556	1	$	97
Year Ended December 31, 2021
Real estate mortgage:
Commercial	2	$	647	$	—	—	$	—
Multi-family	5	698		698		—	—
Other residential	1	104		104		—	—
Real estate construction and land:
Residential	1	208		208		—	—
Commercial:
Asset-based	2	1,987		1,987		1	464
Venture capital	5	4,502		2,529		—	—
Other commercial	40	48,760		30,786		3	2,066
Consumer	1	20		20		—	—
Total	57	$	56,926	$	36,332	4	$	2,530

_________________________

(1)     The population of defaulted TDRs for the period indicated includes only those loans restructured during the preceding 12-month period. For example, for the year ended December 31, 2022, the population of defaulted TDRs includes only those loans restructured after December 31, 2021. The table excludes defaulted TDRs in those classes for which the recorded investment was zero at the end of the period.

Financing Receivable, Loan Modifications, ASU2022-02

The following table presents our loan modifications made to borrowers experiencing financial difficulty by type of modification for the period indicated with balances as of the date indicated:

	Year Ended December 31, 2023
	Loan Modifications
	Balances (Amortized Cost Basis) at
	December 31, 2023
									Combination - Term				Combination - Term
									Extension and				Extension and
									Interest Rate				Payment					Total Loan
	Term Extension				Payment Delay				Reduction				Delay					Modifications
			% of				% of				% of				% of					% of
			Loan				Loan				Loan				Loan					Loan
			Portfolio				Portfolio				Portfolio				Portfolio					Portfolio
	Balance		Class		Balance		Class		Balance		Class		Balance		Class			Balance		Class
	(Dollars in thousands)
Real estate
mortgage:
Other residential	$	9,068	0.2	%	$	—	—	%	$	—	—	%	$	—	$	—		$	9,068	0.2	%
Commercial:
Venture capital	—		—	%	—		—	%	—		—	%	324		—		%	324		—	%
Other
commercial	4,410		0.2	%	37		—	%	5		—	%	—		—		%	4,452		0.2	%
Consumer	14		—	%	—		—	%	2		—	%	—		—		%	16		—	%
Total	$	13,492			$	37			$	7			$	324				$	13,860

Finance Receivables - Loan Restructuring & Refinancing Modifications

The following tables present the financial effect of our loan modifications made to borrowers experiencing financial difficulty by type of modification for the period indicated:

	Year Ended December 31, 2023
	Term Extension - Financial Effect
Real estate mortgage:
Other residential	Extended maturity by a weighted average 7 months.
Commercial:
Other commercial	Extended maturity by a weighted average 19 months.
Consumer	Extended maturity by a weighted average 12 months.

	Year Ended December 31, 2023
	Payment Delay - Financial Effect
Commercial:
Other commercial	Provided 18 months of reduced payments to borrowers without extending the loan term.

	Year Ended December 31, 2023
	Combination - Term Extension and Interest Rate Reduction
Commercial:
Other commercial	Extended maturity by a weighted average 3.0 years and reduced weighted average contractual interest rate from 11.75% to 7.50%.
Consumer	Extended maturity by a weighted average 2.0 years and reduced weighted average contractual interest rate from 9.50% to 2.00%.

	Year Ended December 31, 2023
	Combination - Term Extension and Payment Delay
Commercial:
Venture capital	Extended maturity and granted payment deferrals for a weighted average of 18 months.

Direct Financing Lease, Lease Income

The following table provides the components of leases receivable income for the period indicated:

	Year Ended December 31,
	2023		2022		2021
	(In thousands)
Component of leases receivable income:
Interest income on net investments in leases	$	16,671	$	10,813	$	8,976

Direct Finance Lease, Receivable Components

The following table presents the components of leases receivable as of the date indicated:

	December 31,
	2023		2022
	(In thousands)
Net Investment in Direct Financing Leases:
Lease payments receivable	$	249,223	$	232,909
Unguaranteed residual assets	25,488		23,561
Deferred costs and other	2,715		1,815
Aggregate net investment in leases	$	277,426	$	258,285

Sales-type and Direct Financing Leases, Lease Receivable, Maturity

The following table presents maturities of leases receivable as of the date indicated:

	December 31, 2023
	(In thousands)
Year Ending December 31,
2024	$	80,456
2025	69,844
2026	51,314
2027	35,630
2028	21,352
Thereafter	22,686
Total undiscounted cash flows	281,282
Less: Unearned income	(32,059)
Present value of lease payments	$	249,223

Allowance for Loan Losses

The following tables present a summary of the activity in the allowance for loan and lease losses on loans and leases held for investment by loan portfolio segment for the years indicated:

	Year Ended December 31, 2023
			Real Estate
	Real Estate		Construction
	Mortgage		and Land		Commercial		Consumer		Total
	(In thousands)
Allowance for Loan and Lease Losses:
Balance, beginning of year	$	87,309	$	52,320	$	52,849	$	8,254	$	200,732
Initial ALLL on acquired PCD loans	21,968		328		3,193		134		25,623
Charge-offs	(47,370)		—		(13,661)		(2,397)		(63,428)
Recoveries	885		—		4,125		250		5,260
Net (charge-offs) recoveries	(46,485)		—		(9,536)		(2,147)		(58,168)
Provision	124,035		(18,818)		(1,350)		9,633		113,500
Balance, end of year	$	186,827	$	33,830	$	45,156	$	15,874	$	281,687
Ending Allowance by
Evaluation Methodology:
Individually evaluated	$	—	$	—	$	—	$	—	$	—
Collectively evaluated	$	186,827	$	33,830	$	45,156	$	15,874	$	281,687
Ending Loans and Leases by
Evaluation Methodology:
Individually evaluated	$	47,007	$	—	$	12,373	$	—	$	59,380
Collectively evaluated	16,064,978		3,159,269		5,752,934		453,126		25,430,307
Ending balance	$	16,111,985	$	3,159,269	$	5,765,307	$	453,126	$	25,489,687

	Year Ended December 31, 2022
			Real Estate
	Real Estate		Construction
	Mortgage		and Land		Commercial		Consumer		Total
	(In thousands)
Allowance for Loan and Lease Losses:
Balance, beginning of year	$	98,624	$	44,508	$	48,718	$	8,714	$	200,564
Charge-offs	(5,056)		—		(6,817)		(2,164)		(14,037)
Recoveries	1,748		178		7,163		116		9,205
Net recoveries (charge-offs)	(3,308)		178		346		(2,048)		(4,832)
Provision	(8,007)		7,634		3,785		1,588		5,000
Balance, end of year	$	87,309	$	52,320	$	52,849	$	8,254	$	200,732
Ending Allowance by
Evaluation Methodology:
Individually evaluated	$	3,053	$	—	$	247	$	—	$	3,300
Collectively evaluated	$	84,256	$	52,320	$	52,602	$	8,254	$	197,432
Ending Loans and Leases by
Evaluation Methodology:
Individually evaluated	$	94,620	$	1,402	$	4,422	$	—	$	100,444
Collectively evaluated	15,635,704		4,150,770		8,277,540		444,671		28,508,685
Ending balance	$	15,730,324	$	4,152,172	$	8,281,962	$	444,671	$	28,609,129

The following tables present a summary of the activity in the allowance for loan and lease losses and reserve for unfunded loan commitments for the years indicated:

	Year Ended December 31, 2023
	Allowance for		Reserve for		Total
	Loan and		Unfunded Loan		Allowance for
	Lease Losses		Commitments		Credit Losses
	(In thousands)
Balance, beginning of year	$	200,732	$	91,071	$	291,803
Initial allowance on acquired PCD loans	25,623		—		25,623
Charge-offs	(63,428)		—		(63,428)
Recoveries	5,260		—		5,260
Net charge-offs	(58,168)		—		(58,168)
Provision	113,500		(61,500)		52,000
Balance, end of year	$	281,687	$	29,571	$	311,258

	Year Ended December 31, 2022
	Allowance for		Reserve for		Total
	Loan and		Unfunded Loan		Allowance for
	Lease Losses		Commitments		Credit Losses
	(In thousands)
Balance, beginning of year	$	200,564	$	73,071	$	273,635
Charge-offs	(14,037)		—		(14,037)
Recoveries	9,205		—		9,205
Net recoveries	(4,832)		—		(4,832)
Provision	5,000		18,000		23,000
Balance, end of year	$	200,732	$	91,071	$	291,803

Loans and Leases

NOTE 5.  LOANS AND LEASES

Loans and Leases Held for Investment

The following table summarizes the composition of our loans and leases held for investment as of the dates indicated:

	December 31,
	2023		2022
	(In thousands)
Real estate mortgage	$	16,133,300	$	15,762,351
Real estate construction and land (1)	3,180,850		4,221,853
Commercial	5,767,570		8,297,182
Consumer	453,010		444,630
Total gross loans and leases held for investment	25,534,730		28,726,016
Deferred fees, net	(45,043)		(116,887)
Total loans and leases held for investment, net of deferred fees	25,489,687		28,609,129
Allowance for loan and lease losses	(281,687)		(200,732)
Total loans and leases held for investment, net (2)	$	25,208,000	$	28,408,397

____________________

(1)    Includes land and acquisition and development loans of $228.9 million and $153.5 million at December 31, 2023 and 2022.

(2)    Excludes accrued interest receivable of $111.3 million and $124.3 million at December 31, 2023 and 2022, which is recorded in "Other assets" on the consolidated balance sheets.

The following tables present an aging analysis of our loans and leases held for investment, net of deferred fees, by loan portfolio segment and class as of the dates indicated:

	December 31, 2023
	30 - 89		90 or More
	Days		Days		Total
	Past Due		Past Due		Past Due		Current		Total
	(In thousands)
Real estate mortgage:
Commercial	$	12,618	$	15,168	$	27,786	$	4,998,711	$	5,026,497
Residential	2,302		1,020		3,322		6,021,857		6,025,179
Other residential	93,042		4,341		97,383		4,962,926		5,060,309
Total real estate mortgage	107,962		20,529		128,491		15,983,494		16,111,985
Real estate construction and land:
Commercial	—		—		—		759,585		759,585
Residential	—		—		—		2,399,684		2,399,684
Total real estate construction and land	—		—		—		3,159,269		3,159,269
Commercial:
Asset-based	608		2,689		3,297		2,185,788		2,189,085
Venture capital	—		—		—		1,446,362		1,446,362
Other commercial	1,276		6,993		8,269		2,121,591		2,129,860
Total commercial	1,884		9,682		11,566		5,753,741		5,765,307
Consumer	3,461		670		4,131		448,995		453,126
Total	$	113,307	$	30,881	$	144,188	$	25,345,499	$	25,489,687

	December 31, 2022
	30 - 89		90 or More
	Days		Days		Total
	Past Due		Past Due		Past Due		Current		Total
	(In thousands)
Real estate mortgage:
Commercial	$	1,721	$	29,269	$	30,990	$	3,815,841	$	3,846,831
Residential	—		—		—		5,607,865		5,607,865
Other residential	101,728		39,875		141,603		6,134,025		6,275,628
Total real estate mortgage	103,449		69,144		172,593		15,557,731		15,730,324
Real estate construction and land:
Commercial	—		—		—		898,592		898,592
Residential	—		—		—		3,253,580		3,253,580
Total real estate construction and land	—		—		—		4,152,172		4,152,172
Commercial:
Asset-based	—		434		434		5,139,775		5,140,209
Venture capital	—		—		—		2,033,302		2,033,302
Other commercial	461		1,195		1,656		1,106,795		1,108,451
Total commercial	461		1,629		2,090		8,279,872		8,281,962
Consumer	1,935		149		2,084		442,587		444,671
Total	$	105,845	$	70,922	$	176,767	$	28,432,362	$	28,609,129

The following table presents our nonaccrual and performing loans and leases held for investment, net of deferred fees, by loan portfolio segment and class as of the dates indicated:  

	December 31,
	2023						2022
	Nonaccrual		Performing		Total		Nonaccrual		Performing		Total
	(In thousands)
Real estate mortgage:
Commercial	$	15,669	$	5,010,828	$	5,026,497	$	42,509	$	3,804,322	$	3,846,831
Residential	1,020		6,024,159		6,025,179		—		5,607,865		5,607,865
Other residential	31,041		5,029,268		5,060,309		55,893		6,219,735		6,275,628
Total real estate mortgage	47,730		16,064,255		16,111,985		98,402		15,631,922		15,730,324
Real estate construction and land:
Commercial	—		759,585		759,585		—		898,592		898,592
Residential	—		2,399,684		2,399,684		—		3,253,580		3,253,580
Total real estate construction and land	—		3,159,269		3,159,269		—		4,152,172		4,152,172
Commercial:
Asset-based	2,689		2,186,396		2,189,085		865		5,139,344		5,140,209
Venture capital	325		1,446,037		1,446,362		—		2,033,302		2,033,302
Other commercial	10,972		2,118,888		2,129,860		4,345		1,104,106		1,108,451
Total commercial	13,986		5,751,321		5,765,307		5,210		8,276,752		8,281,962
Consumer	811		452,315		453,126		166		444,505		444,671
Total	$	62,527	$	25,427,160	$	25,489,687	$	103,778	$	28,505,351	$	28,609,129

At December 31, 2023, there was one loan for $11.8 million that was 90 or more days past due and still accruing. At December 31, 2022, there were no such loans.

The amount of interest income that would have been recorded on nonaccrual loans and leases at December 31, 2023 and 2022 had such loans and leases been current in accordance with their original terms was $5.8 million and $6.3 million for 2023 and 2022.

At December 31, 2023, nonaccrual loans and leases included $19.1 million of loans and leases 90 or more days past due, $11.4 million of loans 30 to 89 days past due and $32.0 million of current loans that were placed on nonaccrual status based on management’s judgment regarding their collectability. At December 31, 2022, nonaccrual loans and leases included $70.9 million of loans and leases 90 or more days past due, $6.8 million of loans 30 to 89 days past due and $26.0 million of current loans that were placed on nonaccrual status based on management’s judgment regarding their collectability.

As of December 31, 2023, our three largest loan relationships on nonaccrual status had an aggregate carrying value of $7.1 million and represented 11% of total nonaccrual loans and leases.

The following tables present the credit risk rating categories for loans and leases held for investment by loan portfolio segment and class as of the dates indicated. Classified loans and leases are those with a credit risk rating of either substandard or doubtful.

	December 31, 2023
	Classified		Special Mention		Pass		Total
	(In thousands)
Real estate mortgage:
Commercial	$	75,739	$	219,687	$	4,731,071	$	5,026,497
Residential	74,954		108,356		5,841,869		6,025,179
Other residential	38,155		54,197		4,967,957		5,060,309
Total real estate mortgage	188,848		382,240		15,540,897		16,111,985
Real estate construction and land:
Commercial	—		—		759,585		759,585
Residential	—		2,757		2,396,927		2,399,684
Total real estate construction and land	—		2,757		3,156,512		3,159,269
Commercial:
Asset-based	4,561		12,506		2,172,018		2,189,085
Venture capital	7,805		98,633		1,339,924		1,446,362
Other commercial	26,044		9,984		2,093,832		2,129,860
Total commercial	38,410		121,123		5,605,774		5,765,307
Consumer	1,159		7,192		444,775		453,126
Total	$	228,417	$	513,312	$	24,747,958	$	25,489,687

	December 31, 2022
	Classified		Special Mention		Pass		Total
	(In thousands)
Real estate mortgage:
Commercial	$	43,737	$	106,493	$	3,696,601	$	3,846,831
Residential	3,611		60,330		5,543,924		5,607,865
Other residential	60,557		58,063		6,157,008		6,275,628
Total real estate mortgage	107,905		224,886		15,397,533		15,730,324
Real estate construction and land:
Commercial	—		91,334		807,258		898,592
Residential	—		45,155		3,208,425		3,253,580
Total real estate construction and land	—		136,489		4,015,683		4,152,172
Commercial:
Asset-based	865		56,836		5,082,508		5,140,209
Venture capital	2,753		127,907		1,902,642		2,033,302
Other commercial	6,473		13,233		1,088,745		1,108,451
Total commercial	10,091		197,976		8,073,895		8,281,962
Consumer	275		6,908		437,488		444,671
Total	$	118,271	$	566,259	$	27,924,599	$	28,609,129

The following table presents our nonaccrual loans and leases by loan portfolio segment and class and by with and without an allowance recorded as of the date indicated and interest income recognized on nonaccrual loans and leases for the year indicated:

	At and For the Year Ended
	December 31, 2023				December 31, 2022
	Nonaccrual		Interest		Nonaccrual		Interest
	Recorded		Income		Recorded		Income
	Investment		Recognized		Investment		Recognized
	(In thousands)
With An Allowance Recorded:
Real estate mortgage:
Commercial	$	385	$	—	$	15,487	$	—
Residential	—		—		—		—
Other residential	514		—		7,967		—
Real estate construction and land:
Commercial	—		—		—		—
Residential	—		—		—		—
Commercial:
Asset based	—		—		431		—
Venture capital	—		—		—		—
Other commercial	1,613		—		1,116		—
Consumer	811		—		166		—
With No Related Allowance Recorded:
Real estate mortgage:
Commercial	$	15,284	$	31	$	27,022	$	444
Residential	1,020		—		—		—
Other residential	30,527		—		47,926		—
Real estate construction and land:
Commercial	—		—		—		—
Residential	—		—		—		—
Commercial:
Asset based	2,689		—		434		—
Venture capital	325		—		—		—
Other commercial	9,359		10		3,229		480
Consumer	—		—		—		—
Total Loans and Leases With and
Without an Allowance Recorded:
Real estate mortgage	$	47,730	$	31	$	98,402	$	444
Real estate construction and land	—		—		—		—
Commercial	13,986		10		5,210		480
Consumer	811		—		166		—
Total	$	62,527	$	41	$	103,778	$	924

The following tables present our loans held for investment by loan portfolio segment and class, by credit quality indicator (internal risk ratings), and by year of origination (vintage year) as of the date indicated:

															Revolving
															Converted
Amortized Cost Basis (1)	Term Loans by Origination Year												Revolving		to Term
December 31, 2023	2023		2022		2021		2020		2019		Prior		Loans		Loans		Total
	(In thousands)
Real Estate Mortgage:
Commercial
Internal risk rating:
1-3 High pass	$	—	$	16,976	$	17,432	$	16,832	$	17,337	$	69,205	$	1	$	—	$	137,783
4-6 Pass	182,236		933,294		814,564		510,952		298,985		1,765,454		76,866		10,937		4,593,288
7 Special mention	—		14,021		32,235		25,485		17,147		129,549		1,250		—		219,687
8-9 Classified	749		—		26,172		439		17,063		29,566		1,750		—		75,739
Total	$	182,985	$	964,291	$	890,403	$	553,708	$	350,532	$	1,993,774	$	79,867	$	10,937	$	5,026,497
Current YTD period:
Gross charge-offs	$	34	$	—	$	—	$	—	$	76	$	14,185	$	—	$	—	$	14,295
Real Estate Mortgage:
Multi-family
Internal risk rating:
1-3 High pass	$	—	$	28,155	$	140,424	$	58,959	$	57,988	$	109,423	$	—	$	—	$	394,949
4-6 Pass	66,143		2,221,235		1,193,052		539,660		564,420		794,599		67,811		—		5,446,920
7 Special mention	—		2,610		17,784		12,201		39,808		35,953		—		—		108,356
8-9 Classified	—		—		17,283		8,576		26,543		22,552		—		—		74,954
Total	$	66,143	$	2,252,000	$	1,368,543	$	619,396	$	688,759	$	962,527	$	67,811	$	—	$	6,025,179
Current YTD period:
Gross charge-offs	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—
Real Estate Mortgage:
Other residential
Internal risk rating:
1-3 High pass	$	—	$	—	$	—	$	—	$	—	$	—	$	6,769	$	—	$	6,769
4-6 Pass	188,561		1,824,253		2,812,293		65,230		—		19,518		51,246		87		4,961,188
7 Special mention	—		46,263		7,568		—		—		—		366		—		54,197
8-9 Classified	3,847		18,263		12,908		1,223		—		1,764		65		85		38,155
Total	$	192,408	$	1,888,779	$	2,832,769	$	66,453	$	—	$	21,282	$	58,446	$	172	$	5,060,309
Current YTD period:
Gross charge-offs	$	3,402	$	23,544	$	5,385	$	740	$	—	$	4	$	—	$	—	$	33,075

____________________

(1)    Amounts with negative balances are loans with zero principal balances and deferred loan origination fees.

															Revolving
															Converted
Amortized Cost Basis (1)	Term Loans by Origination Year												Revolving		to Term
December 31, 2023	2023		2022		2021		2020		2019		Prior		Loans		Loans		Total
	(In thousands)
Real Estate Construction
and Land: Commercial
Internal risk rating:
1-3 High pass	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—
4-6 Pass	23,916		388,165		214,303		68,833		16,781		27,175		20,412		—		759,585
7 Special mention	—		—		—		—		—		—		—		—		—
8-9 Classified	—		—		—		—		—		—		—		—		—
Total	$	23,916	$	388,165	$	214,303	$	68,833	$	16,781	$	27,175	$	20,412	$	—	$	759,585
Current YTD period:
Gross charge-offs	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—
Real Estate Construction
and Land: Residential
Internal risk rating:
1-3 High pass	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—
4-6 Pass	64,341		1,185,297		668,083		336,636		—		26,896		115,674		—		2,396,927
7 Special mention	—		—		2,757		—		—		—		—		—		2,757
8-9 Classified	—		—		—		—		—		—		—		—		—
Total	$	64,341	$	1,185,297	$	670,840	$	336,636	$	—	$	26,896	$	115,674	$	—	$	2,399,684
Current YTD period:
Gross charge-offs	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—
Commercial: Asset-Based
Internal risk rating:
1-3 High pass	$	32,485	$	237,936	$	223,088	$	39,380	$	119,364	$	254,638	$	89,667	$	—	$	996,558
4-6 Pass	122,064		238,206		132,449		17,823		7,447		25,945		630,073		1,453		1,175,460
7 Special mention	—		101		—		—		—		1		12,394		10		12,506
8-9 Classified	—		—		—		701		—		340		3,520		—		4,561
Total	$	154,549	$	476,243	$	355,537	$	57,904	$	126,811	$	280,924	$	735,654	$	1,463	$	2,189,085
Current YTD period:
Gross charge-offs	$	—	$	—	$	—	$	60	$	—	$	—	$	—	$	150	$	210

____________________

(1)    Amounts with negative balances are loans with zero principal balances and deferred loan origination fees.

															Revolving
															Converted
Amortized Cost Basis (1)	Term Loans by Origination Year												Revolving		to Term
December 31, 2023	2023		2022		2021		2020		2019		Prior		Loans		Loans		Total
	(In thousands)
Commercial: Venture
Capital
Internal risk rating:
1-3 High pass	$	(84)	$	(7)	$	—	$	1,998	$	—	$	(3)	$	136,339	$	(140)	$	138,103
4-6 Pass	101,038		128,485		113,183		6,473		6,216		622		770,941		74,863		1,201,821
7 Special mention	17,481		10,984		31,928		—		19,986		—		13,260		4,994		98,633
8-9 Classified	—		—		7,808		—		—		—		(3)		—		7,805
Total	$	118,435	$	139,462	$	152,919	$	8,471	$	26,202	$	619	$	920,537	$	79,717	$	1,446,362
Current YTD period:
Gross charge-offs	$	—	$	2,245	$	2,759	$	—	$	—	$	—	$	9	$	—	$	5,013
Commercial: Other
Commercial
Internal risk rating:
1-3 High pass	$	815	$	4,350	$	5,216	$	130	$	29	$	2,148	$	66,827	$	—	$	79,515
4-6 Pass	98,643		201,215		285,249		50,582		39,951		158,810		1,176,946		2,921		2,014,317
7 Special mention	1,748		1,306		442		554		540		5,071		254		69		9,984
8-9 Classified	—		912		4,011		1,706		1,299		13,768		3,257		1,091		26,044
Total	$	101,206	$	207,783	$	294,918	$	52,972	$	41,819	$	179,797	$	1,247,284	$	4,081	$	2,129,860
Current YTD period:
Gross charge-offs	$	—	$	6,867	$	24	$	—	$	28	$	75	$	1,013	$	431	$	8,438
Consumer
Internal risk rating:
1-3 High pass	$	—	$	27	$	22	$	4	$	—	$	—	$	1,304	$	—	$	1,357
4-6 Pass	26,468		71,523		207,751		23,390		42,338		63,919		7,684		345		443,418
7 Special mention	—		1,286		4,224		371		1,100		181		30		—		7,192
8-9 Classified	—		281		42		135		198		486		1		16		1,159
Total	$	26,468	$	73,117	$	212,039	$	23,900	$	43,636	$	64,586	$	9,019	$	361	$	453,126
Current YTD period:
Gross charge-offs	$	—	$	432	$	540	$	76	$	255	$	1,081	$	1	$	12	$	2,397
Total Loans and Leases
Internal risk rating:
1-3 High pass	$	33,216	$	287,437	$	386,182	$	117,303	$	194,718	$	435,411	$	300,907	$	(140)	$	1,755,034
4-6 Pass	873,410		7,191,673		6,440,927		1,619,579		976,138		2,882,938		2,917,653		90,606		22,992,924
7 Special mention	19,229		76,571		96,938		38,611		78,581		170,755		27,554		5,073		513,312
8-9 Classified	4,596		19,456		68,224		12,780		45,103		68,476		8,590		1,192		228,417
Total	$	930,451	$	7,575,137	$	6,992,271	$	1,788,273	$	1,294,540	$	3,557,580	$	3,254,704	$	96,731	$	25,489,687
Current YTD period:
Gross charge-offs	$	3,436	$	33,088	$	8,708	$	876	$	359	$	15,345	$	1,023	$	593	$	63,428

____________________

(1)    Amounts with negative balances are loans with zero principal balances and deferred loan origination fees.

															Revolving
															Converted
Amortized Cost Basis (1)	Term Loans by Origination Year												Revolving		to Term
December 31, 2022	2022		2021		2020		2019		2018		Prior		Loans		Loans		Total
	(In thousands)
Real Estate Mortgage:
Commercial
Internal risk rating:
1-3 High pass	$	4,957	$	3,791	$	7,215	$	26,132	$	4,690	$	35,343	$	1,290	$	—	$	83,418
4-6 Pass	537,931		501,576		467,792		322,448		539,701		1,148,386		85,284		10,065		3,613,183
7 Special mention	—		—		728		16,394		2,294		87,077		—		—		106,493
8-9 Classified	—		559		464		1,310		27,396		14,008		—		—		43,737
Total	$	542,888	$	505,926	$	476,199	$	366,284	$	574,081	$	1,284,814	$	86,574	$	10,065	$	3,846,831
Current YTD period:
Gross charge-offs	$	—	$	67	$	—	$	79	$	2,258	$	326	$	—	$	—	$	2,730
Real Estate Mortgage:
Multi-family
Internal risk rating:
1-3 High pass	$	—	$	89,251	$	19,945	$	58,275	$	66,219	$	69,805	$	—	$	—	$	303,495
4-6 Pass	1,940,337		1,084,467		523,645		676,169		446,987		511,185		57,639		—		5,240,429
7 Special mention	—		—		4,944		16,974		7,003		31,409		—		—		60,330
8-9 Classified	—		—		—		—		2,750		861		—		—		3,611
Total	$	1,940,337	$	1,173,718	$	548,534	$	751,418	$	522,959	$	613,260	$	57,639	$	—	$	5,607,865
Current YTD period:
Gross charge-offs	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—
Real Estate Mortgage:
Other residential
Internal risk rating:
1-3 High pass	$	—	$	—	$	—	$	—	$	—	$	—	$	1,000	$	—	$	1,000
4-6 Pass	2,805,533		3,200,013		83,580		—		237		20,394		46,155		96		6,156,008
7 Special mention	27,272		25,766		4,916		—		109		—		—		—		58,063
8-9 Classified	19,248		33,218		5,333		—		—		2,555		—		203		60,557
Total	$	2,852,053	$	3,258,997	$	93,829	$	—	$	346	$	22,949	$	47,155	$	299	$	6,275,628
Current YTD period:
Gross charge-offs	$	249	$	1,084	$	912	$	—	$	—	$	81	$	—	$	—	$	2,326

____________________

(1)    Amounts with negative balances are loans with zero principal balances and deferred loan origination fees.

															Revolving
															Converted
Amortized Cost Basis (1)	Term Loans by Origination Year												Revolving		to Term
December 31, 2022	2022		2021		2020		2019		2018		Prior		Loans		Loans		Total
	(In thousands)
Real Estate Construction
and Land: Commercial
Internal risk rating:
1-3 High pass	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—
4-6 Pass	299,538		170,397		74,634		237,294		17,763		7,632		—		—		807,258
7 Special mention	—		—		—		—		91,334		—		—		—		91,334
8-9 Classified	—		—		—		—		—		—		—		—		—
Total	$	299,538	$	170,397	$	74,634	$	237,294	$	109,097	$	7,632	$	—	$	—	$	898,592
Current YTD period:
Gross charge-offs	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—
Real Estate Construction
and Land: Residential
Internal risk rating:
1-3 High pass	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—
4-6 Pass	605,683		1,302,061		844,041		282,076		125,805		204		48,555		—		3,208,425
7 Special mention	—		—		—		45,155		—		—		—		—		45,155
8-9 Classified	—		—		—		—		—		—		—		—		—
Total	$	605,683	$	1,302,061	$	844,041	$	327,231	$	125,805	$	204	$	48,555	$	—	$	3,253,580
Current YTD period:
Gross charge-offs	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—
Commercial: Asset-Based
Internal risk rating:
1-3 High pass	$	225,140	$	209,272	$	57,727	$	202,063	$	121,600	$	208,542	$	850,031	$	—	$	1,874,375
4-6 Pass	547,675		188,269		52,711		35,811		33,426		40,714		2,239,785		69,742		3,208,133
7 Special mention	—		—		—		43,409		—		3,505		9,922		—		56,836
8-9 Classified	—		—		—		—		—		434		—		431		865
Total	$	772,815	$	397,541	$	110,438	$	281,283	$	155,026	$	253,195	$	3,099,738	$	70,173	$	5,140,209
Current YTD period:
Gross charge-offs	$	—	$	—	$	—	$	—	$	—	$	—	$	750	$	—	$	750

____________________

(1)    Amounts with negative balances are loans with zero principal balances and deferred loan origination fees.

															Revolving
															Converted
Amortized Cost Basis (1)	Term Loans by Origination Year												Revolving		to Term
December 31, 2022	2022		2021		2020		2019		2018		Prior		Loans		Loans		Total
	(In thousands)
Commercial: Venture
Capital
Internal risk rating:
1-3 High pass	$	(40)	$	—	$	2,000	$	—	$	134	$	3	$	216,535	$	503	$	219,135
4-6 Pass	92,015		136,296		18,075		3,705		1,833		910		1,365,101		65,572		1,683,507
7 Special mention	13,970		40,924		4,483		23,202		—		—		40,335		4,993		127,907
8-9 Classified	—		2,753		—		—		—		—		—		—		2,753
Total	$	105,945	$	179,973	$	24,558	$	26,907	$	1,967	$	913	$	1,621,971	$	71,068	$	2,033,302
Current YTD period:
Gross charge-offs	$	—	$	—	$	—	$	—	$	—	$	—	$	940	$	—	$	940
Commercial: Other
Commercial
Internal risk rating:
1-3 High pass	$	3,591	$	10,880	$	12	$	161	$	3	$	14	$	20,958	$	—	$	35,619
4-6 Pass	84,930		278,208		54,542		41,908		47,771		87,645		454,438		3,684		1,053,126
7 Special mention	7,038		796		184		695		1,526		2,858		47		89		13,233
8-9 Classified	—		806		—		319		(3)		2,653		1,600		1,098		6,473
Total	$	95,559	$	290,690	$	54,738	$	43,083	$	49,297	$	93,170	$	477,043	$	4,871	$	1,108,451
Current YTD period:
Gross charge-offs	$	—	$	209	$	—	$	1	$	—	$	2,537	$	1,906	$	474	$	5,127
Consumer
Internal risk rating:
1-3 High pass	$	34	$	30	$	7	$	—	$	1	$	—	$	854	$	—	$	926
4-6 Pass	62,868		226,084		20,798		48,542		31,693		37,838		8,739		—		436,562
7 Special mention	1,252		3,490		464		1,126		278		238		60		—		6,908
8-9 Classified	47		—		—		59		79		74		—		16		275
Total	$	64,201	$	229,604	$	21,269	$	49,727	$	32,051	$	38,150	$	9,653	$	16	$	444,671
Current YTD period:
Gross charge-offs	$	309	$	529	$	237	$	728	$	—	$	354	$	—	$	7	$	2,164
Total Loans and Leases
Internal risk rating:
1-3 High pass	$	233,682	$	313,224	$	86,906	$	286,631	$	192,647	$	313,707	$	1,090,668	$	503	$	2,517,968
4-6 Pass	6,976,510		7,087,371		2,139,818		1,647,953		1,245,216		1,854,908		4,305,696		149,159		25,406,631
7 Special mention	49,532		70,976		15,719		146,955		102,544		125,087		50,364		5,082		566,259
8-9 Classified	19,295		37,336		5,797		1,688		30,222		20,585		1,600		1,748		118,271
Total	$	7,279,019	$	7,508,907	$	2,248,240	$	2,083,227	$	1,570,629	$	2,314,287	$	5,448,328	$	156,492	$	28,609,129
Current YTD period:
Gross charge-offs	$	558	$	1,889	$	1,149	$	808	$	2,258	$	3,298	$	3,596	$	481	$	14,037

______________________

(1)    Amounts with negative balances are loans with zero principal balances and deferred loan origination fees.

The following table presents our loan modifications made to borrowers experiencing financial difficulty by type of modification for the period indicated with balances as of the date indicated:

	Year Ended December 31, 2023
	Loan Modifications
	Balances (Amortized Cost Basis) at
	December 31, 2023
									Combination - Term				Combination - Term
									Extension and				Extension and
									Interest Rate				Payment					Total Loan
	Term Extension				Payment Delay				Reduction				Delay					Modifications
			% of				% of				% of				% of					% of
			Loan				Loan				Loan				Loan					Loan
			Portfolio				Portfolio				Portfolio				Portfolio					Portfolio
	Balance		Class		Balance		Class		Balance		Class		Balance		Class			Balance		Class
	(Dollars in thousands)
Real estate
mortgage:
Other residential	$	9,068	0.2	%	$	—	—	%	$	—	—	%	$	—	$	—		$	9,068	0.2	%
Commercial:
Venture capital	—		—	%	—		—	%	—		—	%	324		—		%	324		—	%
Other
commercial	4,410		0.2	%	37		—	%	5		—	%	—		—		%	4,452		0.2	%
Consumer	14		—	%	—		—	%	2		—	%	—		—		%	16		—	%
Total	$	13,492			$	37			$	7			$	324				$	13,860

The following tables present the financial effect of our loan modifications made to borrowers experiencing financial difficulty by type of modification for the period indicated:

	Year Ended December 31, 2023
	Term Extension - Financial Effect
Real estate mortgage:
Other residential	Extended maturity by a weighted average 7 months.
Commercial:
Other commercial	Extended maturity by a weighted average 19 months.
Consumer	Extended maturity by a weighted average 12 months.

	Year Ended December 31, 2023
	Payment Delay - Financial Effect
Commercial:
Other commercial	Provided 18 months of reduced payments to borrowers without extending the loan term.

	Year Ended December 31, 2023
	Combination - Term Extension and Interest Rate Reduction
Commercial:
Other commercial	Extended maturity by a weighted average 3.0 years and reduced weighted average contractual interest rate from 11.75% to 7.50%.
Consumer	Extended maturity by a weighted average 2.0 years and reduced weighted average contractual interest rate from 9.50% to 2.00%.

	Year Ended December 31, 2023
	Combination - Term Extension and Payment Delay
Commercial:
Venture capital	Extended maturity and granted payment deferrals for a weighted average of 18 months.

The following table presents the payment status of our loan modifications made during the period indicated with balances as of the date indicated:

	Year Ended December 31, 2023
	Loan Modifications
	Payment Status (Amortized Cost Basis) at
	December 31, 2023
			30-89 Days		90 or More Days
	Current		Past Due		Past Due		Total
	(In thousands)
Real estate mortgage:
Commercial	$	1,750	$	—	$	—	$	1,750
Other residential	8,604		305		159		9,068
Commercial:
Venture capital	324		—		—		324
Other commercial	2,702		—		—		2,702
Consumer	16		—		—		16
Total	$	13,396	$	305	$	159	$	13,860

The following table presents loan modifications that subsequently defaulted by type of modification for the period indicated with balances as of the date indicated:

	Year Ended December 31, 2023
	Loan Modifications That Subsequently Defaulted
	Amortized Cost Basis at
	December 31, 2023
	Term
	Extension		Total
	(In thousands)
Real estate mortgage:
Other residential	$	735	$	735

TDRs are a result of rate reductions, term extensions, fee concessions, transfers to foreclosed assets, discounted loan payoffs, and debt forgiveness, or a combination thereof. Between March 2020 and December 2021, the Company granted various commercial and consumer loan modifications to provide borrowers relief from the economic impacts of COVID-19. In accordance with the CARES Act, the Company elected to not apply TDR classification to COVID-19 related loan modifications that met all of the requisite criteria as stipulated in the CARES Act. The following table presents our troubled debt restructurings of loans held for investment by loan portfolio segment and class for the years indicated:

						Troubled Debt Restructurings
	Troubled Debt Restructurings					That Subsequently Defaulted(1)
		Pre-Modification		Post-Modification
	Number	Outstanding		Outstanding		Number
	of	Recorded		Recorded		of	Recorded
	Loans	Investment		Investment		Loans	Investment(1)
	(Dollars In thousands)
Year Ended December 31, 2022
Real estate mortgage:
Commercial	4	$	626	$	626	—	$	—
Other residential	21	8,600		1,098		1	97
Real estate construction and land:
Residential	1	483		—		—	—
Commercial:
Venture capital	6	6,262		3,330		—	—
Other commercial	23	1,484		1,484		—	—
Consumer	1	18		18		—	—
Total	56	$	17,473	$	6,556	1	$	97
Year Ended December 31, 2021
Real estate mortgage:
Commercial	2	$	647	$	—	—	$	—
Multi-family	5	698		698		—	—
Other residential	1	104		104		—	—
Real estate construction and land:
Residential	1	208		208		—	—
Commercial:
Asset-based	2	1,987		1,987		1	464
Venture capital	5	4,502		2,529		—	—
Other commercial	40	48,760		30,786		3	2,066
Consumer	1	20		20		—	—
Total	57	$	56,926	$	36,332	4	$	2,530

_________________________

(1)     The population of defaulted TDRs for the period indicated includes only those loans restructured during the preceding 12-month period. For example, for the year ended December 31, 2022, the population of defaulted TDRs includes only those loans restructured after December 31, 2021. The table excludes defaulted TDRs in those classes for which the recorded investment was zero at the end of the period.

At December 31, 2022 and 2021, we had unfunded commitments related to TDRs of $897,000 and $2.0 million.

Leases Receivable

We provide equipment financing to our customers primarily with operating and direct financing leases. For direct financing leases, lease receivables are recorded on the balance sheet but the leased equipment is not, although we generally retain legal title to the leased equipment until the end of each lease. Direct financing leases are stated at the net amount of minimum lease payments receivable, plus any unguaranteed residual value, less the amount of unearned income and net acquisition discount at the reporting date. Direct lease origination costs are amortized using the effective interest method over the life of the leases. Direct financing leases are subject to our accounting for allowance for loan and lease losses. See Note 9. Leases for information regarding operating leases where we are the lessor.

The following table provides the components of leases receivable income for the period indicated:

	Year Ended December 31,
	2023		2022		2021
	(In thousands)
Component of leases receivable income:
Interest income on net investments in leases	$	16,671	$	10,813	$	8,976

The following table presents the components of leases receivable as of the date indicated:

	December 31,
	2023		2022
	(In thousands)
Net Investment in Direct Financing Leases:
Lease payments receivable	$	249,223	$	232,909
Unguaranteed residual assets	25,488		23,561
Deferred costs and other	2,715		1,815
Aggregate net investment in leases	$	277,426	$	258,285

The following table presents maturities of leases receivable as of the date indicated:

	December 31, 2023
	(In thousands)
Year Ending December 31,
2024	$	80,456
2025	69,844
2026	51,314
2027	35,630
2028	21,352
Thereafter	22,686
Total undiscounted cash flows	281,282
Less: Unearned income	(32,059)
Present value of lease payments	$	249,223

Allowance for Loan and Lease Losses

The following tables present a summary of the activity in the allowance for loan and lease losses on loans and leases held for investment by loan portfolio segment for the years indicated:

	Year Ended December 31, 2023
			Real Estate
	Real Estate		Construction
	Mortgage		and Land		Commercial		Consumer		Total
	(In thousands)
Allowance for Loan and Lease Losses:
Balance, beginning of year	$	87,309	$	52,320	$	52,849	$	8,254	$	200,732
Initial ALLL on acquired PCD loans	21,968		328		3,193		134		25,623
Charge-offs	(47,370)		—		(13,661)		(2,397)		(63,428)
Recoveries	885		—		4,125		250		5,260
Net (charge-offs) recoveries	(46,485)		—		(9,536)		(2,147)		(58,168)
Provision	124,035		(18,818)		(1,350)		9,633		113,500
Balance, end of year	$	186,827	$	33,830	$	45,156	$	15,874	$	281,687
Ending Allowance by
Evaluation Methodology:
Individually evaluated	$	—	$	—	$	—	$	—	$	—
Collectively evaluated	$	186,827	$	33,830	$	45,156	$	15,874	$	281,687
Ending Loans and Leases by
Evaluation Methodology:
Individually evaluated	$	47,007	$	—	$	12,373	$	—	$	59,380
Collectively evaluated	16,064,978		3,159,269		5,752,934		453,126		25,430,307
Ending balance	$	16,111,985	$	3,159,269	$	5,765,307	$	453,126	$	25,489,687

	Year Ended December 31, 2022
			Real Estate
	Real Estate		Construction
	Mortgage		and Land		Commercial		Consumer		Total
	(In thousands)
Allowance for Loan and Lease Losses:
Balance, beginning of year	$	98,624	$	44,508	$	48,718	$	8,714	$	200,564
Charge-offs	(5,056)		—		(6,817)		(2,164)		(14,037)
Recoveries	1,748		178		7,163		116		9,205
Net recoveries (charge-offs)	(3,308)		178		346		(2,048)		(4,832)
Provision	(8,007)		7,634		3,785		1,588		5,000
Balance, end of year	$	87,309	$	52,320	$	52,849	$	8,254	$	200,732
Ending Allowance by
Evaluation Methodology:
Individually evaluated	$	3,053	$	—	$	247	$	—	$	3,300
Collectively evaluated	$	84,256	$	52,320	$	52,602	$	8,254	$	197,432
Ending Loans and Leases by
Evaluation Methodology:
Individually evaluated	$	94,620	$	1,402	$	4,422	$	—	$	100,444
Collectively evaluated	15,635,704		4,150,770		8,277,540		444,671		28,508,685
Ending balance	$	15,730,324	$	4,152,172	$	8,281,962	$	444,671	$	28,609,129

The allowance for loan and lease losses increased by $81.0 million in 2023 due primarily to a provision for loan and lease losses of $113.5 million, which included a $22.2 million initial provision related to non-PCD loan balances acquired in the Merger, the addition of $25.6 million related to legacy Banc of California PCD loans and a less favorable economic forecast, offset partially by $58.2 million of net charge-offs. The provision for loan and lease losses in 2022 was driven by growth in loans and leases and a less favorable economic forecast offset partially by a decrease in qualitative reserves. For additional information regarding the calculation of the allowance for loan and lease losses using the CECL methodology, including discussion of forecasts used to estimate the allowance, please see Note 1(j). Nature of Operations and Summary of Significant Accounting Policies - Allowance for Credit Losses on Loans and Leases Held for Investment.

A loan is considered collateral-dependent, and is individually evaluated for reserve purposes, when the borrower is experiencing financial difficulty and repayment is expected to be provided substantially through the operation or sale of the collateral. The following table summarizes collateral-dependent loans held for investment by collateral type as of the following date:

	December 31,
	2023						2022
	Real		Business				Real		Business
	Property		Assets		Total		Property		Assets		Total
	(In thousands)
Real estate mortgage	$	47,952	$	—	$	47,952	$	90,485	$	—	$	90,485
Real estate construction and land	—		—		—		1,402		—		1,402
Commercial	—		3,616		3,616		—		434		434
Total	$	47,952	$	3,616	$	51,568	$	91,887	$	434	$	92,321

Allowance for Credit Losses

The allowance for credit losses is the combination of the allowance for loan and lease losses and the reserve for unfunded loan commitments. The reserve for unfunded loan commitments is included within "Accrued interest payable and other liabilities" on the consolidated balance sheets.

The following tables present a summary of the activity in the allowance for loan and lease losses and reserve for unfunded loan commitments for the years indicated:

	Year Ended December 31, 2023
	Allowance for		Reserve for		Total
	Loan and		Unfunded Loan		Allowance for
	Lease Losses		Commitments		Credit Losses
	(In thousands)
Balance, beginning of year	$	200,732	$	91,071	$	291,803
Initial allowance on acquired PCD loans	25,623		—		25,623
Charge-offs	(63,428)		—		(63,428)
Recoveries	5,260		—		5,260
Net charge-offs	(58,168)		—		(58,168)
Provision	113,500		(61,500)		52,000
Balance, end of year	$	281,687	$	29,571	$	311,258

	Year Ended December 31, 2022
	Allowance for		Reserve for		Total
	Loan and		Unfunded Loan		Allowance for
	Lease Losses		Commitments		Credit Losses
	(In thousands)
Balance, beginning of year	$	200,564	$	73,071	$	273,635
Charge-offs	(14,037)		—		(14,037)
Recoveries	9,205		—		9,205
Net recoveries	(4,832)		—		(4,832)
Provision	5,000		18,000		23,000
Balance, end of year	$	200,732	$	91,071	$	291,803

Collateral-Dependent and Individually Evaluated

A loan is considered collateral-dependent, and is individually evaluated for reserve purposes, when the borrower is experiencing financial difficulty and repayment is expected to be provided substantially through the operation or sale of the collateral. The following table summarizes collateral-dependent loans held for investment by collateral type as of the following date:

	December 31,
	2023						2022
	Real		Business				Real		Business
	Property		Assets		Total		Property		Assets		Total
	(In thousands)
Real estate mortgage	$	47,952	$	—	$	47,952	$	90,485	$	—	$	90,485
Real estate construction and land	—		—		—		1,402		—		1,402
Commercial	—		3,616		3,616		—		434		434
Total	$	47,952	$	3,616	$	51,568	$	91,887	$	434	$	92,321

Financing Receivable, Modified Loans, Payment Status

The following table presents the payment status of our loan modifications made during the period indicated with balances as of the date indicated:

	Year Ended December 31, 2023
	Loan Modifications
	Payment Status (Amortized Cost Basis) at
	December 31, 2023
			30-89 Days		90 or More Days
	Current		Past Due		Past Due		Total
	(In thousands)
Real estate mortgage:
Commercial	$	1,750	$	—	$	—	$	1,750
Other residential	8,604		305		159		9,068
Commercial:
Venture capital	324		—		—		324
Other commercial	2,702		—		—		2,702
Consumer	16		—		—		16
Total	$	13,396	$	305	$	159	$	13,860

Finance Receivable, Loans By Origination Year

The following tables present our loans held for investment by loan portfolio segment and class, by credit quality indicator (internal risk ratings), and by year of origination (vintage year) as of the date indicated:

															Revolving
															Converted
Amortized Cost Basis (1)	Term Loans by Origination Year												Revolving		to Term
December 31, 2023	2023		2022		2021		2020		2019		Prior		Loans		Loans		Total
	(In thousands)
Real Estate Mortgage:
Commercial
Internal risk rating:
1-3 High pass	$	—	$	16,976	$	17,432	$	16,832	$	17,337	$	69,205	$	1	$	—	$	137,783
4-6 Pass	182,236		933,294		814,564		510,952		298,985		1,765,454		76,866		10,937		4,593,288
7 Special mention	—		14,021		32,235		25,485		17,147		129,549		1,250		—		219,687
8-9 Classified	749		—		26,172		439		17,063		29,566		1,750		—		75,739
Total	$	182,985	$	964,291	$	890,403	$	553,708	$	350,532	$	1,993,774	$	79,867	$	10,937	$	5,026,497
Current YTD period:
Gross charge-offs	$	34	$	—	$	—	$	—	$	76	$	14,185	$	—	$	—	$	14,295
Real Estate Mortgage:
Multi-family
Internal risk rating:
1-3 High pass	$	—	$	28,155	$	140,424	$	58,959	$	57,988	$	109,423	$	—	$	—	$	394,949
4-6 Pass	66,143		2,221,235		1,193,052		539,660		564,420		794,599		67,811		—		5,446,920
7 Special mention	—		2,610		17,784		12,201		39,808		35,953		—		—		108,356
8-9 Classified	—		—		17,283		8,576		26,543		22,552		—		—		74,954
Total	$	66,143	$	2,252,000	$	1,368,543	$	619,396	$	688,759	$	962,527	$	67,811	$	—	$	6,025,179
Current YTD period:
Gross charge-offs	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—
Real Estate Mortgage:
Other residential
Internal risk rating:
1-3 High pass	$	—	$	—	$	—	$	—	$	—	$	—	$	6,769	$	—	$	6,769
4-6 Pass	188,561		1,824,253		2,812,293		65,230		—		19,518		51,246		87		4,961,188
7 Special mention	—		46,263		7,568		—		—		—		366		—		54,197
8-9 Classified	3,847		18,263		12,908		1,223		—		1,764		65		85		38,155
Total	$	192,408	$	1,888,779	$	2,832,769	$	66,453	$	—	$	21,282	$	58,446	$	172	$	5,060,309
Current YTD period:
Gross charge-offs	$	3,402	$	23,544	$	5,385	$	740	$	—	$	4	$	—	$	—	$	33,075

____________________

(1)    Amounts with negative balances are loans with zero principal balances and deferred loan origination fees.

															Revolving
															Converted
Amortized Cost Basis (1)	Term Loans by Origination Year												Revolving		to Term
December 31, 2023	2023		2022		2021		2020		2019		Prior		Loans		Loans		Total
	(In thousands)
Real Estate Construction
and Land: Commercial
Internal risk rating:
1-3 High pass	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—
4-6 Pass	23,916		388,165		214,303		68,833		16,781		27,175		20,412		—		759,585
7 Special mention	—		—		—		—		—		—		—		—		—
8-9 Classified	—		—		—		—		—		—		—		—		—
Total	$	23,916	$	388,165	$	214,303	$	68,833	$	16,781	$	27,175	$	20,412	$	—	$	759,585
Current YTD period:
Gross charge-offs	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—
Real Estate Construction
and Land: Residential
Internal risk rating:
1-3 High pass	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—
4-6 Pass	64,341		1,185,297		668,083		336,636		—		26,896		115,674		—		2,396,927
7 Special mention	—		—		2,757		—		—		—		—		—		2,757
8-9 Classified	—		—		—		—		—		—		—		—		—
Total	$	64,341	$	1,185,297	$	670,840	$	336,636	$	—	$	26,896	$	115,674	$	—	$	2,399,684
Current YTD period:
Gross charge-offs	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—
Commercial: Asset-Based
Internal risk rating:
1-3 High pass	$	32,485	$	237,936	$	223,088	$	39,380	$	119,364	$	254,638	$	89,667	$	—	$	996,558
4-6 Pass	122,064		238,206		132,449		17,823		7,447		25,945		630,073		1,453		1,175,460
7 Special mention	—		101		—		—		—		1		12,394		10		12,506
8-9 Classified	—		—		—		701		—		340		3,520		—		4,561
Total	$	154,549	$	476,243	$	355,537	$	57,904	$	126,811	$	280,924	$	735,654	$	1,463	$	2,189,085
Current YTD period:
Gross charge-offs	$	—	$	—	$	—	$	60	$	—	$	—	$	—	$	150	$	210

____________________

(1)    Amounts with negative balances are loans with zero principal balances and deferred loan origination fees.

															Revolving
															Converted
Amortized Cost Basis (1)	Term Loans by Origination Year												Revolving		to Term
December 31, 2023	2023		2022		2021		2020		2019		Prior		Loans		Loans		Total
	(In thousands)
Commercial: Venture
Capital
Internal risk rating:
1-3 High pass	$	(84)	$	(7)	$	—	$	1,998	$	—	$	(3)	$	136,339	$	(140)	$	138,103
4-6 Pass	101,038		128,485		113,183		6,473		6,216		622		770,941		74,863		1,201,821
7 Special mention	17,481		10,984		31,928		—		19,986		—		13,260		4,994		98,633
8-9 Classified	—		—		7,808		—		—		—		(3)		—		7,805
Total	$	118,435	$	139,462	$	152,919	$	8,471	$	26,202	$	619	$	920,537	$	79,717	$	1,446,362
Current YTD period:
Gross charge-offs	$	—	$	2,245	$	2,759	$	—	$	—	$	—	$	9	$	—	$	5,013
Commercial: Other
Commercial
Internal risk rating:
1-3 High pass	$	815	$	4,350	$	5,216	$	130	$	29	$	2,148	$	66,827	$	—	$	79,515
4-6 Pass	98,643		201,215		285,249		50,582		39,951		158,810		1,176,946		2,921		2,014,317
7 Special mention	1,748		1,306		442		554		540		5,071		254		69		9,984
8-9 Classified	—		912		4,011		1,706		1,299		13,768		3,257		1,091		26,044
Total	$	101,206	$	207,783	$	294,918	$	52,972	$	41,819	$	179,797	$	1,247,284	$	4,081	$	2,129,860
Current YTD period:
Gross charge-offs	$	—	$	6,867	$	24	$	—	$	28	$	75	$	1,013	$	431	$	8,438
Consumer
Internal risk rating:
1-3 High pass	$	—	$	27	$	22	$	4	$	—	$	—	$	1,304	$	—	$	1,357
4-6 Pass	26,468		71,523		207,751		23,390		42,338		63,919		7,684		345		443,418
7 Special mention	—		1,286		4,224		371		1,100		181		30		—		7,192
8-9 Classified	—		281		42		135		198		486		1		16		1,159
Total	$	26,468	$	73,117	$	212,039	$	23,900	$	43,636	$	64,586	$	9,019	$	361	$	453,126
Current YTD period:
Gross charge-offs	$	—	$	432	$	540	$	76	$	255	$	1,081	$	1	$	12	$	2,397
Total Loans and Leases
Internal risk rating:
1-3 High pass	$	33,216	$	287,437	$	386,182	$	117,303	$	194,718	$	435,411	$	300,907	$	(140)	$	1,755,034
4-6 Pass	873,410		7,191,673		6,440,927		1,619,579		976,138		2,882,938		2,917,653		90,606		22,992,924
7 Special mention	19,229		76,571		96,938		38,611		78,581		170,755		27,554		5,073		513,312
8-9 Classified	4,596		19,456		68,224		12,780		45,103		68,476		8,590		1,192		228,417
Total	$	930,451	$	7,575,137	$	6,992,271	$	1,788,273	$	1,294,540	$	3,557,580	$	3,254,704	$	96,731	$	25,489,687
Current YTD period:
Gross charge-offs	$	3,436	$	33,088	$	8,708	$	876	$	359	$	15,345	$	1,023	$	593	$	63,428

____________________

(1)    Amounts with negative balances are loans with zero principal balances and deferred loan origination fees.

															Revolving
															Converted
Amortized Cost Basis (1)	Term Loans by Origination Year												Revolving		to Term
December 31, 2022	2022		2021		2020		2019		2018		Prior		Loans		Loans		Total
	(In thousands)
Real Estate Mortgage:
Commercial
Internal risk rating:
1-3 High pass	$	4,957	$	3,791	$	7,215	$	26,132	$	4,690	$	35,343	$	1,290	$	—	$	83,418
4-6 Pass	537,931		501,576		467,792		322,448		539,701		1,148,386		85,284		10,065		3,613,183
7 Special mention	—		—		728		16,394		2,294		87,077		—		—		106,493
8-9 Classified	—		559		464		1,310		27,396		14,008		—		—		43,737
Total	$	542,888	$	505,926	$	476,199	$	366,284	$	574,081	$	1,284,814	$	86,574	$	10,065	$	3,846,831
Current YTD period:
Gross charge-offs	$	—	$	67	$	—	$	79	$	2,258	$	326	$	—	$	—	$	2,730
Real Estate Mortgage:
Multi-family
Internal risk rating:
1-3 High pass	$	—	$	89,251	$	19,945	$	58,275	$	66,219	$	69,805	$	—	$	—	$	303,495
4-6 Pass	1,940,337		1,084,467		523,645		676,169		446,987		511,185		57,639		—		5,240,429
7 Special mention	—		—		4,944		16,974		7,003		31,409		—		—		60,330
8-9 Classified	—		—		—		—		2,750		861		—		—		3,611
Total	$	1,940,337	$	1,173,718	$	548,534	$	751,418	$	522,959	$	613,260	$	57,639	$	—	$	5,607,865
Current YTD period:
Gross charge-offs	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—
Real Estate Mortgage:
Other residential
Internal risk rating:
1-3 High pass	$	—	$	—	$	—	$	—	$	—	$	—	$	1,000	$	—	$	1,000
4-6 Pass	2,805,533		3,200,013		83,580		—		237		20,394		46,155		96		6,156,008
7 Special mention	27,272		25,766		4,916		—		109		—		—		—		58,063
8-9 Classified	19,248		33,218		5,333		—		—		2,555		—		203		60,557
Total	$	2,852,053	$	3,258,997	$	93,829	$	—	$	346	$	22,949	$	47,155	$	299	$	6,275,628
Current YTD period:
Gross charge-offs	$	249	$	1,084	$	912	$	—	$	—	$	81	$	—	$	—	$	2,326

____________________

(1)    Amounts with negative balances are loans with zero principal balances and deferred loan origination fees.

															Revolving
															Converted
Amortized Cost Basis (1)	Term Loans by Origination Year												Revolving		to Term
December 31, 2022	2022		2021		2020		2019		2018		Prior		Loans		Loans		Total
	(In thousands)
Real Estate Construction
and Land: Commercial
Internal risk rating:
1-3 High pass	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—
4-6 Pass	299,538		170,397		74,634		237,294		17,763		7,632		—		—		807,258
7 Special mention	—		—		—		—		91,334		—		—		—		91,334
8-9 Classified	—		—		—		—		—		—		—		—		—
Total	$	299,538	$	170,397	$	74,634	$	237,294	$	109,097	$	7,632	$	—	$	—	$	898,592
Current YTD period:
Gross charge-offs	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—
Real Estate Construction
and Land: Residential
Internal risk rating:
1-3 High pass	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—
4-6 Pass	605,683		1,302,061		844,041		282,076		125,805		204		48,555		—		3,208,425
7 Special mention	—		—		—		45,155		—		—		—		—		45,155
8-9 Classified	—		—		—		—		—		—		—		—		—
Total	$	605,683	$	1,302,061	$	844,041	$	327,231	$	125,805	$	204	$	48,555	$	—	$	3,253,580
Current YTD period:
Gross charge-offs	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—
Commercial: Asset-Based
Internal risk rating:
1-3 High pass	$	225,140	$	209,272	$	57,727	$	202,063	$	121,600	$	208,542	$	850,031	$	—	$	1,874,375
4-6 Pass	547,675		188,269		52,711		35,811		33,426		40,714		2,239,785		69,742		3,208,133
7 Special mention	—		—		—		43,409		—		3,505		9,922		—		56,836
8-9 Classified	—		—		—		—		—		434		—		431		865
Total	$	772,815	$	397,541	$	110,438	$	281,283	$	155,026	$	253,195	$	3,099,738	$	70,173	$	5,140,209
Current YTD period:
Gross charge-offs	$	—	$	—	$	—	$	—	$	—	$	—	$	750	$	—	$	750

____________________

(1)    Amounts with negative balances are loans with zero principal balances and deferred loan origination fees.

															Revolving
															Converted
Amortized Cost Basis (1)	Term Loans by Origination Year												Revolving		to Term
December 31, 2022	2022		2021		2020		2019		2018		Prior		Loans		Loans		Total
	(In thousands)
Commercial: Venture
Capital
Internal risk rating:
1-3 High pass	$	(40)	$	—	$	2,000	$	—	$	134	$	3	$	216,535	$	503	$	219,135
4-6 Pass	92,015		136,296		18,075		3,705		1,833		910		1,365,101		65,572		1,683,507
7 Special mention	13,970		40,924		4,483		23,202		—		—		40,335		4,993		127,907
8-9 Classified	—		2,753		—		—		—		—		—		—		2,753
Total	$	105,945	$	179,973	$	24,558	$	26,907	$	1,967	$	913	$	1,621,971	$	71,068	$	2,033,302
Current YTD period:
Gross charge-offs	$	—	$	—	$	—	$	—	$	—	$	—	$	940	$	—	$	940
Commercial: Other
Commercial
Internal risk rating:
1-3 High pass	$	3,591	$	10,880	$	12	$	161	$	3	$	14	$	20,958	$	—	$	35,619
4-6 Pass	84,930		278,208		54,542		41,908		47,771		87,645		454,438		3,684		1,053,126
7 Special mention	7,038		796		184		695		1,526		2,858		47		89		13,233
8-9 Classified	—		806		—		319		(3)		2,653		1,600		1,098		6,473
Total	$	95,559	$	290,690	$	54,738	$	43,083	$	49,297	$	93,170	$	477,043	$	4,871	$	1,108,451
Current YTD period:
Gross charge-offs	$	—	$	209	$	—	$	1	$	—	$	2,537	$	1,906	$	474	$	5,127
Consumer
Internal risk rating:
1-3 High pass	$	34	$	30	$	7	$	—	$	1	$	—	$	854	$	—	$	926
4-6 Pass	62,868		226,084		20,798		48,542		31,693		37,838		8,739		—		436,562
7 Special mention	1,252		3,490		464		1,126		278		238		60		—		6,908
8-9 Classified	47		—		—		59		79		74		—		16		275
Total	$	64,201	$	229,604	$	21,269	$	49,727	$	32,051	$	38,150	$	9,653	$	16	$	444,671
Current YTD period:
Gross charge-offs	$	309	$	529	$	237	$	728	$	—	$	354	$	—	$	7	$	2,164
Total Loans and Leases
Internal risk rating:
1-3 High pass	$	233,682	$	313,224	$	86,906	$	286,631	$	192,647	$	313,707	$	1,090,668	$	503	$	2,517,968
4-6 Pass	6,976,510		7,087,371		2,139,818		1,647,953		1,245,216		1,854,908		4,305,696		149,159		25,406,631
7 Special mention	49,532		70,976		15,719		146,955		102,544		125,087		50,364		5,082		566,259
8-9 Classified	19,295		37,336		5,797		1,688		30,222		20,585		1,600		1,748		118,271
Total	$	7,279,019	$	7,508,907	$	2,248,240	$	2,083,227	$	1,570,629	$	2,314,287	$	5,448,328	$	156,492	$	28,609,129
Current YTD period:
Gross charge-offs	$	558	$	1,889	$	1,149	$	808	$	2,258	$	3,298	$	3,596	$	481	$	14,037

______________________

(1)    Amounts with negative balances are loans with zero principal balances and deferred loan origination fees.