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Loans and Allowance for Loan Losses (Tables)
 6 Months Ended
Jun. 30, 2020
Receivables [Abstract]  
Schedule of composition of loan portfolio
The following table presents the composition of the loan portfolio.
 
June 30, 2020
 
December 31, 2019
 
(In Thousands)
Commercial loans:
 
 
 
Commercial, financial and agricultural
$
28,782,124

 
$
24,432,238

Real estate – construction
2,298,470

 
2,028,682

Commercial real estate – mortgage
13,800,669

 
13,861,478

Total commercial loans
44,881,263

 
40,322,398

Consumer loans:
 
 
 
Residential real estate – mortgage
13,429,139

 
13,533,954

Equity lines of credit
2,516,834

 
2,592,680

Equity loans
209,980

 
244,968

Credit card
965,572

 
1,002,365

Consumer direct
2,134,108

 
2,338,142

Consumer indirect
4,104,604

 
3,912,350

Total consumer loans
23,360,237

 
23,624,459

Total loans
$
68,241,500

 
$
63,946,857
Disclosure of activity in allowance for loan losses during year
The following table, which excludes loans held for sale, presents a summary of the activity in the allowance for loan losses. The portion of the allowance that has not been identified by the Company as related to specific loan categories has been allocated to the individual loan categories on a pro rata basis for purposes of the table below:
 
Commercial, Financial and Agricultural
 
Commercial Real Estate (1)
 
Residential Real Estate (2)
 
Consumer (3)
 
Total
 
(In Thousands)
Three months ended June 30, 2020
 
 
 
 
 
 
 
 
Allowance for loan losses:
 
 
 
 
 
 
 
 
 
Beginning balance
$
547,985

 
$
108,233

 
$
152,935

 
$
541,919

 
$
1,351,072

Provision for loan losses
238,565

 
128,276

 
30,136

 
129,357

 
526,334

Loans charged-off
(30,970
)
 
(9,053
)
 
(1,095
)
 
(97,893
)
 
(139,011
)
Loan recoveries
1,932

 
419

 
1,509

 
12,097

 
15,957

Net (charge-offs) recoveries
(29,038
)
 
(8,634
)
 
414

 
(85,796
)
 
(123,054
)
Ending balance
$
757,512

 
$
227,875

 
$
183,485

 
$
585,480

 
$
1,754,352

Three months ended June 30, 2019
 
 
 
 
 
 
 
 
Allowance for loan losses:
 
 
 
 
 
 
 
 
 
Beginning balance
$
447,752

 
$
118,536

 
$
102,689

 
$
297,045

 
$
966,022

Provision (credit) for loan losses
54,218

 
(1,166
)
 
(250
)
 
102,216

 
155,018

Loans charged-off
(49,325
)
 
(112
)
 
(4,679
)
 
(110,755
)
 
(164,871
)
Loan recoveries
3,409

 
528

 
2,591

 
14,963

 
21,491

Net (charge-offs) recoveries
(45,916
)
 
416

 
(2,088
)
 
(95,792
)
 
(143,380
)
Ending balance
$
456,054

 
$
117,786

 
$
100,351

 
$
303,469

 
$
977,660

 
 
 
 
 
 
 
 
 
 
Six Months Ended June 30, 2020
 
 
 
 
 
 
 
 
Allowance for loan losses:
 
 
 
 
 
 
 
 
 
Beginning balance, prior to adoption of ASC 326
$
408,197

 
$
118,633

 
$
99,089

 
$
295,074

 
$
920,993

Impact of adopting ASC 326
18,389

 
(35,034
)
 
47,390

 
154,186

 
184,931

Beginning balance, after adoption of ASC 326
426,586

 
83,599

 
146,479

 
449,260

 
1,105,924

Provision for loan losses
378,978

 
152,824

 
37,168

 
314,310

 
883,280

Loan charge-offs
(55,177
)
 
(9,140
)
 
(3,094
)
 
(213,759
)
 
(281,170
)
Loan recoveries
7,125

 
592

 
2,932

 
35,669

 
46,318

Net charge-offs
(48,052
)
 
(8,548
)
 
(162
)
 
(178,090
)
 
(234,852
)
Ending balance
$
757,512

 
$
227,875

 
$
183,485

 
$
585,480

 
$
1,754,352

Six Months Ended June 30, 2019
 
 
 
 
 
 
 
 
Allowance for loan losses:
 
 
 
 
 
 
 
 
 
Beginning balance
$
393,315

 
$
112,437

 
$
101,929

 
$
277,561

 
$
885,242

Provision for loan losses
113,398

 
3,496

 
1,933

 
218,483

 
337,310

Loan charge-offs
(58,828
)
 
(137
)
 
(9,691
)
 
(223,628
)
 
(292,284
)
Loan recoveries
8,169

 
1,990

 
6,180

 
31,053

 
47,392

Net (charge-offs) recoveries
(50,659
)
 
1,853

 
(3,511
)
 
(192,575
)
 
(244,892
)
Ending balance
$
456,054

 
$
117,786

 
$
100,351

 
$
303,469

 
$
977,660

(1)
Includes commercial real estate – mortgage and real estate – construction loans.
(2)
Includes residential real estate – mortgage, equity lines of credit and equity loans.
(3)
Includes credit card, consumer direct and consumer indirect loans.
For the three months ended June 30, 2020, the increase in the allowance for loan losses was primarily driven by the deteriorating economic outlook resulting from the COVID-19 pandemic. For the six months ended June 30, 2020, the increase in the allowance for loan losses was primarily driven by the deteriorating economic outlook resulting from the COVID-19 pandemic as well as the impact of declining oil prices.
The table below provides a summary of the allowance for loan losses and related loan balances by portfolio at December 31, 2019.
 
Commercial, Financial and Agricultural
 
Commercial Real Estate (1)
 
Residential Real Estate (2)
 
Consumer (3)
 
Total
 
(In Thousands)
December 31, 2019
 
 
 
 
 
 
 
 
 
Ending balance of allowance attributable to loans:
 
 
 
 
 
 
 
 
Individually evaluated for impairment
$
88,164

 
$
13,255

 
$
22,775

 
$
2,638

 
$
126,832

Collectively evaluated for impairment
320,033

 
105,378

 
76,314

 
292,436

 
794,161

Total allowance for loan losses
$
408,197

 
$
118,633

 
$
99,089

 
$
295,074

 
$
920,993

Ending balance of loans:
 
 
 
 
 
 
 
 
Individually evaluated for impairment
$
238,653

 
$
78,301

 
$
155,728

 
$
13,362

 
$
486,044

Collectively evaluated for impairment
24,193,585

 
15,811,859

 
16,215,874

 
7,239,495

 
63,460,813

Total loans
$
24,432,238

 
$
15,890,160

 
$
16,371,602

 
$
7,252,857

 
$
63,946,857

(1)
Includes commercial real estate – mortgage and real estate – construction loans.
(2)
Includes residential real estate – mortgage, equity lines of credit and equity loans.
(3)
Includes credit card, consumer direct and consumer indirect loans.
Schedule of nonaccrual financing receivables
The following table presents information on nonaccrual loans, by loan class at June 30, 2020.
 
June 30, 2020
 
Nonaccrual
 
Nonaccrual With No Recorded Allowance
 
(In Thousands)
Commercial, financial and agricultural
$
389,615

 
$
100,678

Real estate – construction
13,317

 
5,836

Commercial real estate – mortgage
117,213

 
35,591

Residential real estate – mortgage
169,387

 
—

Equity lines of credit
34,915

 
—

Equity loans
8,457

 
—

Credit card
—

 
—

Consumer direct
7,624

 
—

Consumer indirect
24,216

 
—

Total loans
$
764,744

 
$
142,105
Schedule of impaired financing receivables
The following table presents information on individually evaluated impaired loans, by loan class at December 31, 2019.
 
December 31, 2019
 
Individually Evaluated Impaired Loans With No Recorded Allowance
 
Individually Evaluated Impaired Loans With a Recorded Allowance
 
Recorded Investment
 
Unpaid Principal Balance
 
Allowance
 
Recorded Investment
 
Unpaid Principal Balance
 
Allowance
 
(In Thousands)
Commercial, financial and agricultural
$
51,203

 
$
52,991

 
$
—

 
$
187,450

 
$
249,486

 
$
88,164

Real estate – construction
—

 
—

 
—

 
5,972

 
5,979

 
850

Commercial real estate – mortgage
46,232

 
51,286

 
—

 
26,097

 
27,757

 
12,405

Residential real estate – mortgage
—

 
—

 
—

 
111,623

 
111,623

 
8,974

Equity lines of credit
—

 
—

 
—

 
15,466

 
15,472

 
10,896

Equity loans
—

 
—

 
—

 
28,639

 
29,488

 
2,905

Credit card
—

 
—

 
—

 
—

 
—

 
—

Consumer direct
—

 
—

 
—

 
11,601

 
13,596

 
1,903

Consumer indirect
—

 
—

 
—

 
1,761

 
1,761

 
735

Total loans
$
97,435

 
$
104,277

 
$
—

 
$
388,609

 
$
455,162

 
$
126,832


The following tables present information on individually impaired loans, by loan class for the three and six months ended June 30, 2019.
 
Three Months Ended June 30, 2019
 
Average Recorded Investment
 
Interest Income Recognized
 
(In Thousands)
Commercial, financial and agricultural
$
399,492

 
$
574

Real estate – construction
590

 
2

Commercial real estate – mortgage
79,700

 
251

Residential real estate – mortgage
106,521

 
681

Equity lines of credit
15,041

 
176

Equity loans
30,533

 
272

Credit card
—

 
—

Consumer direct
6,457

 
63

Consumer indirect
273

 
—

Total loans
$
638,607

 
$
2,019

 
 
 
 
 
Six Months Ended June 30, 2019
 
Average Recorded Investment
 
Interest Income Recognized
 
(In Thousands)
Commercial, financial and agricultural
$
406,690

 
$
1,537

Real estate – construction
362

 
4

Commercial real estate – mortgage
81,282

 
466

Residential real estate – mortgage
106,459

 
1,330

Equity lines of credit
15,149

 
350

Equity loans
31,125

 
548

Credit card
—

 
—

Consumer direct
6,008

 
131

Consumer indirect
318

 
—

Total loans
$
647,393

 
$
4,366
Schedule of credit quality indicators associated with the Company's loans
The following tables, which exclude loans held for sale, illustrate the credit quality indicators associated with the Company’s loans, by loan class.

Commercial

June 30, 2020

Recorded Investment of Term Loans by Origination Year

 
 
 
 
 

2020
 
2019
 
2018
 
2017
 
2016

Prior

Recorded Investment of Revolving Loans
 
Recorded Investment of Revolving Loans Converted to Term Loans
 
Total

(In Thousands)
Commercial, financial and agricultural

















Pass
$
4,885,031

 
$
3,182,335

 
$
2,785,698

 
$
3,126,622

 
$
1,140,397

 
$
3,665,786

 
$
8,537,527

 
$
—


$
27,323,396

Special Mention
51,404

 
29,911

 
68,896

 
54,338

 
27,733

 
59,289

 
382,043

 
—


673,614

Substandard
24,328

 
21,184

 
50,549

 
61,368

 
34,089

 
88,868

 
407,157

 
—


687,543

Doubtful
—

 
—

 
32,903

 
26,379

 
8,126

 
14,825

 
15,338

 
—


97,571

Total commercial, financial and agricultural
$
4,960,763

 
$
3,233,430

 
$
2,938,046

 
$
3,268,707

 
$
1,210,345

 
$
3,828,768

 
$
9,342,065

 
$
—

 
$
28,782,124

Real estate - construction

















Pass
$
150,917

 
$
692,674

 
$
717,347

 
$
352,777

 
$
103,543

 
$
75,952

 
$
161,493

 
$
—


$
2,254,703

Special Mention
—

 
—

 
—

 
18,151

 
1,465

 
435

 
—

 
—


20,051

Substandard
—

 
6,369

 
7,051

 
—

 
5,837

 
4,459

 
—

 
—


23,716

Doubtful
—

 
—

 
—

 
—

 
—

 
—

 
—

 
—


—

Total real estate - construction
$
150,917

 
$
699,043

 
$
724,398

 
$
370,928

 
$
110,845

 
$
80,846

 
$
161,493

 
$
—

 
$
2,298,470

Commercial real estate - mortgage

















Pass
$
1,108,103

 
$
3,136,415

 
$
3,703,741

 
$
1,680,709

 
$
1,015,858

 
$
2,498,388

 
$
221,141

 
$
—


$
13,364,355

Special Mention
2,876

 
28,016

 
111,415

 
4,195

 
25,716

 
37,442

 
—

 
—


209,660

Substandard
580

 
571

 
11,962

 
62,244

 
23,497

 
114,916

 
9,892

 
—


223,662

Doubtful
—

 
—

 
—

 
—

 
—

 
2,992

 
—

 
—


2,992

Total commercial real estate - mortgage
$
1,111,559

 
$
3,165,002

 
$
3,827,118

 
$
1,747,148

 
$
1,065,071

 
$
2,653,738

 
$
231,033

 
$
—

 
$
13,800,669

 
December 31, 2019
 
Commercial, Financial and Agricultural
 
Real Estate - Construction
 
Commercial Real Estate - Mortgage
 
(In Thousands)
Pass
$
23,319,645

 
$
1,979,310

 
$
13,547,273

Special Mention
543,928

 
67

 
168,679

Substandard
488,813

 
49,305

 
134,420

Doubtful
79,852

 
—

 
11,106

 
$
24,432,238

 
$
2,028,682

 
$
13,861,478

 
Consumer
 
June 30, 2020
 
Recorded Investment of Term Loans by Origination Year
 
 
 
 
 
 
 
2020
 
2019
 
2018
 
2017
 
2016
 
Prior
 
Recorded Investment of Revolving Loans
 
Recorded Investment of Revolving Loans Converted to Term Loans
 
Total
 
(In Thousands)
Residential real estate - mortgage
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Performing
$
1,778,398

 
$
2,378,147

 
$
1,187,383

 
$
1,246,869

 
$
1,378,435

 
$
5,277,052

 
$
—

 
$
—

 
$
13,246,284

Nonperforming
245

 
1,807

 
7,075

 
15,817

 
12,638

 
145,273

 
—

 
—

 
182,855

Total residential real estate - mortgage
$
1,778,643

 
$
2,379,954

 
$
1,194,458

 
$
1,262,686

 
$
1,391,073

 
$
5,422,325

 
$
—

 
$
—

 
$
13,429,139

Equity lines of credit
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Performing
$
—

 
$
—

 
$
—

 
$
—

 
$
—

 
$
—

 
$
2,474,784

 
$
3,580

 
$
2,478,364

Nonperforming
—

 
—

 
—

 
—

 
—

 
—

 
38,282

 
188

 
38,470

Total equity lines of credit
$
—

 
$
—

 
$
—

 
$
—

 
$
—

 
$
—

 
$
2,513,066

 
$
3,768

 
$
2,516,834

Equity loans
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Performing
$
4,046

 
$
14,382

 
$
11,636

 
$
5,168

 
$
4,271

 
$
161,777

 
$
—

 
$
—

 
$
201,280

Nonperforming
12

 
—

 
435

 
150

 
—

 
8,103

 
—

 
—

 
8,700

Total equity loans
$
4,058

 
$
14,382

 
$
12,071

 
$
5,318

 
$
4,271

 
$
169,880

 
$
—

 
$
—

 
$
209,980

Credit card
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Performing
$
—

 
$
—

 
$
—

 
$
—

 
$
—

 
$
—

 
$
943,438

 
$
—

 
$
943,438

Nonperforming
—

 
—

 
—

 
—

 
—

 
—

 
22,134

 
—

 
22,134

Total credit card
$
—

 
$
—

 
$
—

 
$
—

 
$
—

 
$
—

 
$
965,572

 
$
—

 
$
965,572

Consumer direct
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Performing
$
370,822

 
$
598,543

 
$
495,109

 
$
140,862

 
$
65,830

 
$
25,664

 
$
418,031

 
$
—

 
$
2,114,861

Nonperforming
189

 
4,541

 
9,628

 
2,222

 
703

 
200

 
1,764

 
—

 
19,247

Total consumer direct
$
371,011

 
$
603,084

 
$
504,737

 
$
143,084

 
$
66,533

 
$
25,864

 
$
419,795

 
$
—

 
$
2,134,108

Consumer indirect
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Performing
$
1,009,190

 
$
1,400,428

 
$
978,630

 
$
411,198

 
$
136,449

 
$
138,327

 
$
—

 
$
—

 
$
4,074,222

Nonperforming
541

 
4,933

 
10,653

 
6,838

 
3,920

 
3,497

 
—

 
—

 
30,382

Total consumer indirect
$
1,009,731

 
$
1,405,361

 
$
989,283

 
$
418,036

 
$
140,369

 
$
141,824

 
$
—

 
$
—

 
$
4,104,604

 
December 31, 2019
 
Residential Real Estate -Mortgage
 
Equity Lines of Credit
 
Equity Loans
 
Credit Card
 
Consumer Direct
 
Consumer Indirect
 
(In Thousands)
Performing
$
13,381,709

 
$
2,553,000

 
$
236,122

 
$
979,569

 
$
2,313,082

 
$
3,870,839

Nonperforming
152,245

 
39,680

 
8,846

 
22,796

 
25,060

 
41,511

 
$
13,533,954

 
$
2,592,680

 
$
244,968

 
$
1,002,365

 
$
2,338,142

 
$
3,912,350
Schedule of past due loans
The following tables present an aging analysis of the Company’s past due loans, excluding loans classified as held for sale.
 
June 30, 2020
 
30-59 Days Past Due
 
60-89 Days Past Due
 
90 Days or More Past Due
 
Nonaccrual
 
Accruing TDRs
 
Total Past Due, Nonaccrual or TDR
 
Not Past Due, Nonaccrual or TDR
 
Total
 
(In Thousands)
Commercial, financial and agricultural
$
51,207

 
$
5,130

 
$
8,450

 
$
389,615

 
$
1,866

 
$
456,268

 
$
28,325,856

 
$
28,782,124

Real estate – construction
12,907

 
—

 
532

 
13,317

 
64

 
26,820

 
2,271,650

 
2,298,470

Commercial real estate – mortgage
8,592

 
2,190

 
415

 
117,213

 
1,876

 
130,286

 
13,670,383

 
13,800,669

Residential real estate – mortgage
70,252

 
22,495

 
13,140

 
169,387

 
54,289

 
329,563

 
13,099,576

 
13,429,139

Equity lines of credit
8,461

 
8,162

 
3,555

 
34,915

 
—

 
55,093

 
2,461,741

 
2,516,834

Equity loans
1,311

 
692

 
148

 
8,457

 
21,280

 
31,888

 
178,092

 
209,980

Credit card
6,668

 
7,286

 
22,134

 
—

 
—

 
36,088

 
929,484

 
965,572

Consumer direct
19,927

 
10,923

 
11,623

 
7,624

 
16,836

 
66,933

 
2,067,175

 
2,134,108

Consumer indirect
32,519

 
11,162

 
6,166

 
24,216

 
—

 
74,063

 
4,030,541

 
4,104,604

Total loans
$
211,844

 
$
68,040

 
$
66,163

 
$
764,744

 
$
96,211

 
$
1,207,002

 
$
67,034,498

 
$
68,241,500

 
December 31, 2019
 
30-59 Days Past Due
 
60-89 Days Past Due
 
90 Days or More Past Due
 
Nonaccrual
 
Accruing TDRs
 
Total Past Due and Impaired
 
Not Past Due or Impaired
 
Total
 
(In Thousands)
Commercial, financial and agricultural
$
29,273

 
$
16,462

 
$
6,692

 
$
268,288

 
$
1,456

 
$
322,171

 
$
24,110,067

 
$
24,432,238

Real estate – construction
7,603

 
2

 
571

 
8,041

 
72

 
16,289

 
2,012,393

 
2,028,682

Commercial real estate – mortgage
5,325

 
5,458

 
6,576

 
98,077

 
3,414

 
118,850

 
13,742,628

 
13,861,478

Residential real estate – mortgage
72,571

 
21,909

 
4,641

 
147,337

 
57,165

 
303,623

 
13,230,331

 
13,533,954

Equity lines of credit
15,766

 
6,581

 
1,567

 
38,113

 
—

 
62,027

 
2,530,653

 
2,592,680

Equity loans
2,856

 
1,028

 
195

 
8,651

 
23,770

 
36,500

 
208,468

 
244,968

Credit card
11,275

 
9,214

 
22,796

 
—

 
—

 
43,285

 
959,080

 
1,002,365

Consumer direct
33,658

 
20,703

 
18,358

 
6,555

 
12,438

 
91,712

 
2,246,430

 
2,338,142

Consumer indirect
83,966

 
28,430

 
9,730

 
31,781

 
—

 
153,907

 
3,758,443

 
3,912,350

Total loans
$
262,293

 
$
109,787

 
$
71,126

 
$
606,843

 
$
98,315

 
$
1,148,364

 
$
62,798,493

 
$
63,946,857
Schedule of troubled debt restructuring loans and subsequent defaults on restructured loans
The following tables present an analysis of the types of loans that were restructured and classified as TDRs, excluding loans classified as held for sale.
 
Three Months Ended June 30, 2020
 
Three Months Ended June 30, 2019
 
Number of Contracts
 
Post-Modification Outstanding Recorded Investment
 
Number of Contracts
 
Post-Modification Outstanding Recorded Investment
 
(Dollars in Thousands)
Commercial, financial and agricultural
1

 
$
24,477

 
3

 
$
15,349

Real estate – construction
—

 
—

 
—

 
—

Commercial real estate – mortgage
1

 
557

 
4

 
2,523

Residential real estate – mortgage
7

 
978

 
16

 
1,818

Equity lines of credit
7

 
363

 
2

 
94

Equity loans
1

 
58

 
3

 
231

Credit card
—

 
—

 
—

 
—

Consumer direct
45

 
3,349

 
55

 
1,796

Consumer indirect
—

 
—

 
—

 
—

 
 
 
 
 
 
 
 
 
Six Months Ended June 30, 2020
 
Six Months Ended June 30, 2019
 
Number of Contracts
 
Post-Modification Outstanding Recorded Investment
 
Number of Contracts
 
Post-Modification Outstanding Recorded Investment
 
(Dollars in Thousands)
Commercial, financial and agricultural
11

 
$
65,715

 
6

 
$
26,919

Real estate – construction
—

 
—

 
—

 
—

Commercial real estate – mortgage
3

 
2,297

 
4

 
2,523

Residential real estate – mortgage
15

 
1,822

 
36

 
7,051

Equity lines of credit
8

 
399

 
2

 
94

Equity loans
2

 
250

 
7

 
407

Credit card
—

 
—

 
—

 
—

Consumer direct
134

 
8,111

 
68

 
5,315

Consumer indirect
—

 
—

 
—

 
—

The following tables provide a summary of initial subsequent defaults that occurred within one year of the restructure date. The tables exclude loans classified as held for sale as of period-end and includes loans no longer in default as of period-end.
 
Three Months Ended June 30, 2020
 
Three Months Ended June 30, 2019
 
Number of Contracts
 
Recorded Investment at Default
 
Number of Contracts
 
Recorded Investment at Default
 
(Dollars in Thousands)
Commercial, financial and agricultural
—

 
$
—

 
—

 
$
—

Real estate – construction
—

 
—

 
—

 
—

Commercial real estate – mortgage
—

 
—

 
—

 
—

Residential real estate – mortgage
1

 
98

 
1

 
221

Equity lines of credit
1

 
65

 
—

 
—

Equity loans
—

 
—

 
—

 
—

Credit card
—

 
—

 
—

 
—

Consumer direct
1

 
18

 
1

 
1,995

Consumer indirect
—

 
—

 
—

 
—

 
 
 
 
 
 
 
 
 
Six Months Ended June 30, 2020
 
Six Months Ended June 30, 2019
 
Number of Contracts
 
Recorded Investment at Default
 
Number of Contracts
 
Recorded Investment at Default
 
(Dollars in Thousands)
Commercial, financial and agricultural
—

 
$
—

 
—

 
$
—

Real estate – construction
—

 
—

 
—

 
—

Commercial real estate – mortgage
—

 
—

 
—

 
—

Residential real estate – mortgage
2

 
182

 
1

 
221

Equity lines of credit
1

 
65

 
—

 
—

Equity loans
—

 
—

 
2

 
151

Credit card
—

 
—

 
—

 
—

Consumer direct
5

 
235

 
3

 
2,010

Consumer indirect
—

 
—

 
—

 
—