Loans and Lease Receivables (Tables)

12 Months Ended

Dec. 31, 2021

Receivables [Abstract]

Schedule of Outstanding Loan and Lease Receivables

Outstanding loan and lease receivables as of December 31, 2021 and 2020 were categorized as follows:

	2021			2020
Commercial real estate	$	1,663,256		$	1,416,731
Residential real estate		480,236			569,387
Construction, land development, and other land		327,143			231,602
Commercial and industrial		1,580,235			1,372,452
Paycheck Protection Program ("PPP")		127,184			527,044
Installment and other		1,322			1,942
Lease financing receivables		354,135			223,295
Total loans and leases		4,533,511			4,342,453
Net unamortized deferred fees and costs		(674	)		(5,764	)
Initial direct costs		4,291			3,846
Allowance for loan and lease losses		(55,012	)		(66,347	)
Net loans and leases	$	4,482,116		$	4,274,188

	2021			2020
Lease financing receivables
Net minimum lease payments	$	352,948		$	234,472
Unguaranteed residual values		27,953			8,690
Unearned income		(26,766	)		(19,867	)
Total lease financing receivables		354,135			223,295
Initial direct costs		4,291			3,846
Lease financial receivables before allowance for    lease losses	$	358,426		$	227,141

Summary of Minimum Annual Lease Payments for Lease Financing Receivables

The minimum annual lease payments for lease financing receivables as of December 31, 2021 are summarized as follows:

	Minimum Lease Payments
2022	$	116,924
2023		95,396
2024		70,075
2025		47,717
2026		20,528
Thereafter		2,308
Total	$	352,948

Summary of Balances for Each Respective Loan and Lease Category

The following tables summarize the balances for each respective loan and lease category as of December 31, 2021 and 2020:

2021	Originated		Acquired Impaired		Acquired Non- Impaired		Total
Commercial real estate	$	1,379,000	$	72,160	$	214,588	$	1,665,748
Residential real estate		379,796		49,401		51,317		480,514
Construction, land development, and other land		323,886		1,312		201		325,399
Commercial and industrial		1,534,745		4,014		43,202		1,581,961
Paycheck Protection Program		123,712		-		-		123,712
Installment and other		940		164		264		1,368
Lease financing receivables		352,247		—		6,179		358,426
Total loans and leases	$	4,094,326	$	127,051	$	315,751	$	4,537,128

2020	Originated		Acquired Impaired		Acquired Non- Impaired		Total
Commercial real estate	$	1,017,587	$	108,484	$	295,599	$	1,421,670
Residential real estate		414,220		78,840		79,211		572,271
Construction, land development, and other land		226,408		4,113		212		230,733
Commercial and industrial		1,276,527		10,178		82,195		1,368,900
Paycheck Protection Program		517,815		—		—		517,815
Installment and other		1,267		202		536		2,005
Lease financing receivables		214,636		—		12,505		227,141
Total loans and leases	$	3,668,460	$	201,817	$	470,258	$	4,340,535

Schedule of Estimated Fair Value of Impaired Loans Acquired at Acquisition

The following table presents a reconciliation of the undiscounted contractual cash flows, non‑accretable difference, accretable yield, and fair value of acquired impaired loans as of April 30, 2019 (Oak Park River Forest):

	April 30, 2019
	Oak Park River Forest
Undiscounted contractual cash flows	$	74,092
Undiscounted cash flows not expected to be collected (non-accretable difference)		(11,401	)
Undiscounted cash flows expected to be collected		62,691
Accretable yield at acquisition		(9,764	)
Estimated fair value of impaired loans acquired at acquisition	$	52,927

Summary of Outstanding Balance and Carrying Amount of All Acquired Impaired Loans

The unpaid principal balance and carrying amount of all acquired impaired loans are summarized below. The balances do not include an allowance for loan and lease losses of $3.2 million and $6.5 million, at December 31, 2021 and 2020, respectively.

	2021				2020
	Unpaid Principal Balance		Carrying Value		Unpaid Principal Balance		Carrying Value
Commercial real estate	$	113,257	$	72,160	$	154,233	$	108,484
Residential real estate		95,056		49,401		126,086		78,840
Construction, land development, and other land		8,571		1,312		12,677		4,113
Commercial and industrial		10,201		4,014		15,925		10,178
Installment and other		858		164		917		202
Total acquired impaired loans	$	227,943	$	127,051	$	309,838	$	201,817

Summary of Changes in Accretable Yield for Acquired Impaired Loans

The following table summarizes the changes in accretable yield for acquired impaired loans for the years ended December 31, 2021, 2020 and 2019:

	2021			2020			2019
Beginning balance	$	27,696		$	40,009		$	37,115
Additions		—			—			9,764
Accretion to interest income		(13,487	)		(19,184	)		(24,535	)
Reclassification from nonaccretable difference		4,386			6,871			17,665
Ending balance	$	18,595		$	27,696		$	40,009

Schedule of Unpaid Principal Balance and Carrying Value for Acquired Non-Impaired Loans and Leases

The unpaid principal balance and carrying value for acquired non‑impaired loans and leases at December 31, 2021 and 2020 were as follows:

	2021				2020
	Unpaid Principal Balance		Carrying Value		Unpaid Principal Balance		Carrying Value
Commercial real estate	$	219,277	$	214,588	$	302,091	$	295,599
Residential real estate		51,839		51,317		80,104		79,211
Construction, land development, and other land		265		201		278		212
Commercial and industrial		44,827		43,202		84,608		82,195
Installment and other		273		264		553		536
Lease financing receivables		6,199		6,179		13,978		12,505
Total acquired non-impaired loans and leases	$	322,680	$	315,751	$	481,612	$	470,258