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Loans and the Allowance for Credit Losses (Tables)

6 Months Ended

Jun. 30, 2021

Schedule of Recorded Investment in Loans by Category

The recorded investment in loans is presented in the Consolidated Balance Sheets net of deferred loan fees and costs, and discounts on purchased loans. Net deferred loan fee income was $9.6 million and $6.2 million at June 30, 2021 and December 31, 2020, respectively. At June 30, 2021 and December 31, 2020, respectively, the balance included $17.6 million and $13.8 million of net deferred fee income from SBA Payroll Protection Program (“PPP”) loans. The un-accreted discount on purchased loans from acquisitions was $32.2 million at June 30, 2021 and $39.4 million at December 31, 2020.

	June 30,		December 31,
(unaudited, in thousands)	2021		2020
Commercial real estate:
Land and construction	$	588,218	$	668,277
Improved property		5,117,028		5,037,115
Total commercial real estate		5,705,246		5,705,392
Commercial and industrial		1,575,612		1,681,182
Commercial and industrial - PPP		543,574		726,256
Residential real estate		1,625,632		1,720,961
Home equity		631,059		646,387
Consumer		276,069		309,055
Total portfolio loans		10,357,192		10,789,233
Loans held for sale		41,461		168,378
Total loans	$	10,398,653	$	10,957,611

Summary of Changes in Allowance for Credit Losses

The following tables summarize changes in the allowance for credit losses applicable to each category of the loan portfolio:

	Allowance for Credit Losses By Category
	For the Six Months Ended June 30, 2021 and 2020
(unaudited, in thousands)	Commercial Real Estate - Land and Construction			Commercial Real Estate- Improved Property			Commercial & Industrial			Residential Real Estate			Home Equity			Consumer			Deposit Overdrafts			Total
Balance at December 31, 2020
Allowance for credit losses - loans	$	10,841		$	110,652		$	37,850		$	17,851		$	1,487		$	6,507		$	639		$	185,827
Allowance for credit losses - loan commitments		6,508			712			1,275			955			45			19			—			9,514
Total beginning allowance for credit losses - loans and loan commitments		17,349			111,364			39,125			18,806			1,532			6,526			639			195,341
Provision for credit losses:
Provision for loan losses		(4,740	)		(25,672	)		(8,090	)		(4,535	)		(719	)		(1,964	)		582			(45,138	)
Provision for loan commitments		(2,929	)		(618	)		(334	)		111			5			17			—			(3,748	)
Total provision for credit losses - loans and loan commitments		(7,669	)		(26,290	)		(8,424	)		(4,424	)		(714	)		(1,947	)		582			(48,886	)
Charge-offs		(22	)		(235	)		(814	)		(441	)		(274	)		(1,406	)		(365	)		(3,557	)
Recoveries		110			646			518			742			340			1,042			200			3,598
Net (charge-offs) recoveries		88			411			(296	)		301			66			(364	)		(165	)		41
Balance at June 30, 2021
Allowance for credit losses - loans		6,189			85,391			29,464			13,617			834			4,179			1,056			140,730
Allowance for credit losses - loan commitments		3,579			94			941			1,066			50			36			—			5,766
Total ending allowance for credit losses - loans and loan commitments	$	9,768		$	85,485		$	30,405		$	14,683		$	884		$	4,215		$	1,056		$	146,496

Balance at December 31, 2019
Allowance for credit losses - loans	$	4,949		$	20,293		$	14,116		$	4,311		$	4,422		$	2,951		$	1,387		$	52,429
Allowance for credit losses - loan commitments		235			22			311			15			250			41			—			874
Total beginning allowance for credit losses - loans and loan commitments		5,184			20,315			14,427			4,326			4,672			2,992			1,387			53,303
Impact of adopting ASC 326		1,524			13,078			22,357			5,630			(3,936	)		2,576			213			41,442
Provision for credit losses:
Provision for loan losses		6,388			58,706			10,390			4,554			1,486			3,102			(409	)		84,217
Provision for loan commitments		5,223			—			1,280			318			35			—			—			6,856
Total provision for credit losses - loans and loan commitments		11,611			58,706			11,670			4,872			1,521			3,102			(409	)		91,073
Charge-offs		(1	)		(1,895	)		(3,187	)		(667	)		(562	)		(2,183	)		(516	)		(9,011	)
Recoveries		77			396			227			376			255			768			254			2,353
Net (charge-offs) recoveries		76			(1,499	)		(2,960	)		(291	)		(307	)		(1,415	)		(262	)		(6,658	)
Balance at June 30, 2020
Allowance for credit losses - loans		10,335			90,600			43,632			13,824			1,900			7,255			929			168,475
Allowance for credit losses - loan commitments		8,060			—			1,862			713			50			—			—			10,685
Total ending allowance for credit losses - loans and loan commitments	$	18,395		$	90,600		$	45,494		$	14,537		$	1,950		$	7,255		$	929		$	179,160

Allowance for Credit Losses and Recorded Investments in Loans

The following tables present the allowance for credit losses and recorded investments in loans by category, as of each period-end:

	Allowance for Credit Losses and Recorded Investment in Loans
(unaudited, in thousands)	Commercial Real Estate- Land and Construction		Commercial Real Estate- Improved Property		Commercial and Industrial		Residential Real Estate		Home Equity		Consumer		Deposit Over- drafts		Total
June 30, 2021
Allowance for credit losses:
Loans individually-evaluated	$	466	$	3,973	$	1,505	$	—	$	—	$	—	$	—	$	5,944
Loans collectively-evaluated		5,723		81,418		27,959		13,617		834		4,179		1,056		134,786
Loan commitments		3,579		94		941		1,066		50		36		—		5,766
Total allowance for credit losses - loans and commitments	$	9,768	$	85,485	$	30,405	$	14,683	$	884	$	4,215	$	1,056	$	146,496

Portfolio loans:
Individually-evaluated for credit losses⁽¹⁾	$	1,334	$	39,907	$	1,820	$	—	$	—	$	—	$	—	$	43,061
Collectively-evaluated for credit losses		586,884		5,077,121		2,117,366		1,625,632		631,059		276,069		—		10,314,131
Total portfolio loans	$	588,218	$	5,117,028	$	2,119,186	$	1,625,632	$	631,059	$	276,069	$	—	$	10,357,192

December 31, 2020
Allowance for credit losses:
Loans individually-evaluated	$	602	$	4,196	$	1,484	$	—	$	—	$	—	$	—	$	6,282
Loans collectively-evaluated		10,239		106,456		36,366		17,851		1,487		6,507		639		179,545
Loan commitments		6,508		712		1,275		955		45		19		—		9,514
Total allowance for credit losses - loans and commitments	$	17,349	$	111,364	$	39,125	$	18,806	$	1,532	$	6,526	$	639	$	195,341

Portfolio loans:
Individually-evaluated for credit losses⁽¹⁾	$	1,455	$	40,372	$	2,863	$	—	$	—	$	—	$	—	$	44,690
Collectively-evaluated for credit losses		666,822		4,996,743		2,404,575		1,720,961		646,387		309,055		—		10,744,543
Total portfolio loans	$	668,277	$	5,037,115	$	2,407,438	$	1,720,961	$	646,387	$	309,055	$	—	$	10,789,233

⁽¹⁾	^{Commercial loans greater than $1 million that are reported as non-accrual or as a TDR are individually evaluated for credit loss.}

Summary of Commercial Loans by Risk Grade

The following tables summarize commercial loans by their assigned risk grade:

	Commercial Loans by Internally Assigned Risk Grade
(unaudited, in thousands)	Commercial Real Estate- Land and Construction		Commercial Real Estate- Improved Property		Commercial & Industrial		Total Commercial Loans
As of June 30, 2021
Pass	$	581,597	$	4,733,494	$	2,052,966	$	7,368,057
Criticized - compromised		4,990		284,243		30,215		319,448
Classified - substandard		1,631		99,291		36,005		136,927
Classified - doubtful		—		—		—		—
Total	$	588,218	$	5,117,028	$	2,119,186	$	7,824,432

As of December 31, 2020
Pass	$	657,435	$	4,609,726	$	2,350,724	$	7,617,885
Criticized - compromised		7,397		320,301		34,597		362,295
Classified - substandard		3,445		107,088		22,117		132,650
Classified - doubtful		—		—		—		—
Total	$	668,277	$	5,037,115	$	2,407,438	$	8,112,830

Summary of Age Analysis of Loan Categories

The following tables summarize the age analysis of all categories of loans:

	Age Analysis of Loans
(unaudited, in thousands)	Current		30-59 Days Past Due		60-89 Days Past Due		90 Days or More Past Due		Total Past Due		Total Loans		90 Days or More Past Due and Accruing (1)
As of June 30, 2021
Commercial real estate:
Land and construction	$	586,912	$	1,149	$	—	$	157	$	1,306	$	588,218	$	83
Improved property		5,095,475		5,517		5,855		10,181		21,553		5,117,028		2,453
Total commercial real estate		5,682,387		6,666		5,855		10,338		22,859		5,705,246		2,536
Commercial and industrial		2,108,882		1,964		1,096		7,244		10,304		2,119,186		3,224
Residential real estate		1,610,608		1,153		2,260		11,611		15,024		1,625,632		1,886
Home equity		625,173		2,135		417		3,334		5,886		631,059		409
Consumer		273,437		1,649		648		335		2,632		276,069		263
Total portfolio loans		10,300,487		13,567		10,276		32,862		56,705		10,357,192		8,318
Loans held for sale		41,461		—		—		—		—		41,461		—
Total loans	$	10,341,948	$	13,567	$	10,276	$	32,862	$	56,705	$	10,398,653	$	8,318

Nonperforming loans included above are as follows:
Non-accrual loans	$	9,140	$	825	$	1,710	$	24,537	$	27,072	$	36,212
TDRs accruing interest ⁽¹⁾		5,717		4		71		7		82		5,799
Total nonperforming loans	$	14,857	$	829	$	1,781	$	24,544	$	27,154	$	42,011

As of December 31, 2020
Commercial real estate:
Land and construction	$	664,990	$	582	$	2,276	$	429	$	3,287	$	668,277	$	288
Improved property		5,016,812		4,876		4,118		11,309		20,303		5,037,115		2,713
Total commercial real estate		5,681,802		5,458		6,394		11,738		23,590		5,705,392		3,001
Commercial and industrial		2,395,844		4,372		2,197		5,025		11,594		2,407,438		1,899
Residential real estate		1,698,636		2,614		5,654		14,057		22,325		1,720,961		2,863
Home equity		639,319		2,414		775		3,879		7,068		646,387		706
Consumer		305,483		1,998		1,031		543		3,572		309,055		377
Total portfolio loans		10,721,084		16,856		16,051		35,242		68,149		10,789,233		8,846
Loans held for sale		168,378		—		—		—		—		168,378		—
Total loans	$	10,889,462	$	16,856	$	16,051	$	35,242	$	68,149	$	10,957,611	$	8,846

Nonperforming loans included above are as follows:
Non-accrual loans	$	9,560	$	630	$	466	$	26,224	$	27,320	$	36,880
TDRs accruing interest ⁽¹⁾		3,540		63		152		172		387		3,927
Total nonperforming loans	$	13,100	$	693	$	618	$	26,396	$	27,707	$	40,807

⁽¹⁾	Loans 90 days or more past due and accruing interest exclude TDRs 90 days or more past due and accruing interest.

Summary of Nonperforming Loans

The following tables summarize nonperforming loans:

	Nonperforming Loans
	June 30, 2021						December 31, 2020
	Unpaid						Unpaid
	Principal		Recorded		Related		Principal		Recorded		Related
(unaudited, in thousands)	Balance (1)		Investment		Allowance		Balance (1)		Investment		Allowance
With no related specific allowance recorded:
Commercial real estate:
Land and construction	$	74	$	74	$	—	$	469	$	469	$	—
Improved property		8,218		6,672		—		9,597		8,055	—
Commercial and industrial		4,897		4,669		—		4,401		3,413	—
Residential real estate		24,888		22,443		—		23,055		20,704	—
Home equity		6,664		5,766		—		6,635		5,708	—
Consumer		554		303		—		602		364	—
Total nonperforming loans without a specific allowance		45,295		39,927		—		44,759		38,713		—
With a specific allowance recorded:
Commercial real estate:
Land and construction		—		—		—	—		—		—
Improved property		2,094		2,084		214		2,094		2,094		136
Commercial and industrial		—		—		—	—		—		—
Residential real estate		—		—		—	—		—		—
Home equity		—		—		—	—		—		—
Consumer		—		—		—	—		—		—
Total nonperforming loans with a specific allowance		2,094		2,084		214		2,094		2,094		136
Total nonperforming loans	$	47,389	$	42,011	$	214	$	46,853	$	40,807	$	136

⁽¹⁾	^{The difference between the unpaid principal balance and the recorded investment generally reflects amounts that have been previously charged-off and fair market value adjustments on acquired nonperforming loans.}

	Nonperforming Loans
	For the Three Months Ended								For the Six Months Ended
	June 30, 2021				June 30, 2020				June 30, 2021				June 30, 2020
	Average		Interest		Average		Interest		Average		Interest		Average		Interest
	Recorded		Income		Recorded		Income		Recorded		Income		Recorded		Income
(unaudited, in thousands)	Investment		Recognized		Investment		Recognized		Investment		Recognized		Investment		Recognized
With no related specific allowance recorded:
Commercial real estate:
Land and construction	$	97	$	—	$	405	$	—	$	221	$	—	$	463	$	—
Improved property		7,011		8		7,349		15		7,359		17		6,309		35
Commercial and industrial		3,172		2		2,862		3		3,252		3		6,679		6
Residential real estate		21,717		101		20,541		43		21,379		140		19,011		98
Home equity		5,668		3		6,015		6		5,681		9		5,880		12
Consumer		327		1		380		—		339		1		391		1
Total nonperforming loans without a specific allowance		37,992		115		37,552		67		38,231		170		38,733		152
With a specific allowance recorded:
Commercial real estate:
Land and construction		—		—		—		—				—		—		—
Improved property		2,084		—		2,632		—		2,087		—		3,057		—
Commercial and industrial		—		—		—		—		—		—		64		—
Residential real estate		—		—		—		—		—		—		1,464		—
Home equity		—		—		—		—		—		—		235		—
Consumer		—		—		—		—		—		—		18		—
Total nonperforming loans with a specific allowance		2,084		—		2,632		—		2,087		—		4,838		—
Total nonperforming loans	$	40,076	$	115	$	40,184	$	67	$	40,318	$	170	$	43,571	$	152

Recorded Investment in Non-Accrual Loans and TDRs

The following tables present the recorded investment in non-accrual loans and TDRs:

	Non-accrual Loans ⁽¹⁾
	June 30,		December 31,
(unaudited, in thousands)	2021		2020
Commercial real estate:
Land and construction	$	74	$	469
Improved property		8,338		9,494
Total commercial real estate		8,412		9,963
Commercial and industrial		4,572		3,302
Residential real estate		17,567		17,925
Home equity		5,370		5,345
Consumer		291		345
Total	$	36,212	$	36,880

⁽¹⁾	At June 30, 2021 and December 31, 2020, there was one borrower with a loan balance greater than $1.0 million totaling $2.1 million. Total non-accrual loans include loans that are also restructured. Such loans are also set forth in the following table as non-accrual TDRs.

	TDRs
	June 30, 2021						December 31, 2020
(unaudited, in thousands)	Accruing		Non-Accrual		Total		Accruing		Non-Accrual		Total
Commercial real estate:
Land and construction	$	—	$	—	$	—	$	—	$	—	$	—
Improved property		418		148		566		655		165		820
Total commercial real estate		418		148		566		655		165		820
Commercial and industrial		97		—		97		111		—		111
Residential real estate		4,876		1,255		6,131		2,779		1,354		4,133
Home equity		396		260		656		363		300		663
Consumer		12		1		13		19		9		28
Total	$	5,799	$	1,664	$	7,463	$	3,927	$	1,828	$	5,755

Loans Identified as TDRs

The following tables present details related to loans identified as TDRs during the three and six months ended June 30, 2021 and 2020, respectively:

	New TDRs (1)
	For the Three Months Ended
	June 30, 2021						June 30, 2020
			Pre-		Post-				Pre-		Post-
			Modification		Modification				Modification		Modification
			Outstanding		Outstanding				Outstanding		Outstanding
	Number of		Recorded		Recorded		Number of		Recorded		Recorded
(unaudited, dollars in thousands)	Modifications		Investment		Investment		Modifications		Investment		Investment
Commercial real estate:
Land and construction		—	$	—	$	—		—	$	—	$	—
Improved property		—		—		—		—		—		—
Total commercial real estate		—		—		—		—		—		—
Commercial and industrial		—		—		—		—		—		—
Residential real estate		2		2,041		2,057		—		—		—
Home equity		1		56		56		1		49		48
Consumer		—		—		—		1		8		8
Total		3	$	2,097	$	2,113		2	$	57	$	56

	New TDRs (1)
	For the Six Months Ended
	June 30, 2021						June 30, 2020
			Pre-		Post-				Pre-		Post-
			Modification		Modification				Modification		Modification
			Outstanding		Outstanding				Outstanding		Outstanding
	Number of		Recorded		Recorded		Number of		Recorded		Recorded
(unaudited, dollars in thousands)	Modifications		Investment		Investment		Modifications		Investment		Investment
Commercial real estate:
Land and construction		—	$	—	$	—		—	$	—	$	—
Improved property		—		—		—		—		—		—
Total commercial real estate		—		—		—		—		—		—
Commercial and industrial		—		—		—		—		—		—
Residential real estate		2		2,064		2,057		2		332		328
Home equity		1		56		56		1		50		48
Consumer		—		—		—		1		8		8
Total		3	$	2,120	$	2,113		4	$	390	$	384

(1) Excludes loans that were either paid off or charged-off by period end. The pre-modification balance represents the balance outstanding at the beginning of the period. The post-modification balance represents the outstanding balance at period end.

The following table summarizes TDRs which defaulted (defined as past due 90 days) during the six months ended June 30, 2021 and 2020, respectively, that were restructured within the last twelve months prior to June 30, 2021 and 2020, respectively:

	Defaulted TDRs ⁽¹⁾
	For the Six Months Ended
	June 30, 2021				June 30, 2020
	Number of		Recorded		Number of		Recorded
(unaudited, dollars in thousands)	Defaults		Investment		Defaults		Investment
Commercial real estate:
Land and construction		—	$	—		—	$	—
Improved property		—		—		—		—
Total commercial real estate		—		—		—		—
Commercial and industrial		—		—		—		—
Residential real estate		1		1,106		1		155
Home equity		—		—		—		—
Consumer		—		—		—		—
Total		1	$	1,106		1	$	155

⁽¹⁾	^{Excludes loans that were either charged-off or cured by period end. The recorded investment is as of June 30, 2021 and 2020, respectively.}

Summary of Amortized Cost Basis Loan Balances by Year of Origination and Credit Quality Indicator

	Loans As of June 30, 2021
	Amortized Cost Basis by Origination Year
(unaudited, in thousands)	2021		2020		2019		2018		2017		Prior		Revolving Loans Amortized Cost Basis		Revolving Loans Converted to Term		Total
Commercial real estate: land and construction
Risk rating:
Pass	$	73,210	$	152,277	$	229,044	$	37,823	$	25,554	$	39,097	$	24,592	$	—	$	581,597
Criticized - compromised		—		1,231		—		36		222		2,783		718		—		4,990
Classified - substandard		—		—		—		74		—		1,557		—		—		1,631
Classified - doubtful		—		—		—		—		—		—		—		—		—
Total	$	73,210	$	153,508	$	229,044	$	37,933	$	25,776	$	43,437	$	25,310	$	—	$	588,218

Commercial real estate: improved property
Risk rating:
Pass	$	368,546	$	798,091	$	687,356	$	600,389	$	441,913	$	1,770,502	$	66,697	$	—	$	4,733,494
Criticized - compromised		—		8,334		95,233		31,599		46,679		101,682		716		—		284,243
Classified - substandard		—		1,475		8,275		3,747		6,486		79,308		—		—		99,291
Classified - doubtful		—		—		—		—		—		—		—		—		—
Total	$	368,546	$	807,900	$	790,864	$	635,735	$	495,078	$	1,951,492	$	67,413	$	—	$	5,117,028

Commercial and industrial
Risk rating:
Pass	$	479,447	$	392,500	$	165,745	$	180,175	$	127,825	$	305,290	$	401,860	$	124	$	2,052,966
Criticized - compromised		25		3,875		1,805		3,026		2,572		6,689		12,223		—		30,215
Classified - substandard		—		683		22,989		1,655		1,800		4,940		3,938		—		36,005
Classified - doubtful		—		—		—		—		—		—		—		—		—
Total	$	479,472	$	397,058	$	190,539	$	184,856	$	132,197	$	316,919	$	418,021	$	124	$	2,119,186

Residential real estate
Loan delinquency:
Current	$	201,823	$	386,437	$	181,367	$	105,727	$	81,964	$	653,290	$	—	$	—	$	1,610,608
30-59 days past due		—		—		—		—		—		1,153		—		—		1,153
60-89 days past due		—		—		—		123		—		2,137		—		—		2,260
90 days or more past due		—		—		468		268		761		10,114		—		—		11,611
Total	$	201,823	$	386,437	$	181,835	$	106,118	$	82,725	$	666,694	$	—	$	—	$	1,625,632

Home equity
Loan delinquency:
Current	$	14,307	$	8,093	$	2,796	$	2,560	$	756	$	15,620	$	570,646	$	10,395	$	625,173
30-59 days past due		—		—		—		12		11		583		1,398		131		2,135
60-89 days past due		—		—		—		16		—		243		158		—		417
90 days or more past due		—		—		—		7		150		1,525		966		686		3,334
Total	$	14,307	$	8,093	$	2,796	$	2,595	$	917	$	17,971	$	573,168	$	11,212	$	631,059

Consumer
Loan delinquency:
Current	$	36,753	$	58,550	$	67,642	$	28,608	$	15,557	$	43,311	$	22,817	$	199	$	273,437
30-59 days past due		132		496		353		183		102		324		59		—		1,649
60-89 days past due		6		201		163		66		89		121		2		—		648
90 days or more past due		—		106		52		21		8		138		10		—		335
Total	$	36,891	$	59,353	$	68,210	$	28,878	$	15,756	$	43,894	$	22,888	$	199	$	276,069

	Loans As of December 31, 2020
	Amortized Cost Basis by Origination Year
(unaudited, in thousands)	2020		2019		2018		2017		2016		Prior		Revolving Loans Amortized Cost Basis		Revolving Loans Converted to Term		Total
Commercial real estate: land and construction
Risk rating:
Pass	$	133,720	$	314,614	$	109,232	$	27,483	$	16,404	$	29,685	$	26,297	$	—	$	657,435
Criticized - compromised		459		—		1,532		233		79		3,778		1,316		—		7,397
Classified - substandard		—		—		403		58		291		2,693		—		—		3,445
Classified - doubtful		—		—		—		—		—		—		—		—		—
Total	$	134,179	$	314,614	$	111,167	$	27,774	$	16,774	$	36,156	$	27,613	$	—	$	668,277

Commercial real estate: improved property
Risk rating:
Pass	$	809,516	$	670,554	$	646,629	$	474,622	$	572,733	$	1,346,552	$	89,120	$	—	$	4,609,726
Criticized - compromised		2,693		67,261		16,793		59,251		42,284		130,247		1,772		—		320,301
Classified - substandard		102		16,366		4,946		11,647		18,460		55,567		—		—		107,088
Classified - doubtful		—		—		—		—		—		—		—		—		—
Total	$	812,311	$	754,181	$	668,368	$	545,520	$	633,477	$	1,532,366	$	90,892	$	—	$	5,037,115

Commercial and industrial
Risk rating:
Pass	$	977,085	$	240,262	$	193,712	$	160,924	$	85,379	$	265,890	$	427,336	$	136	$	2,350,724
Criticized - compromised		453		2,726		4,206		2,795		324		11,640		12,453		—		34,597
Classified - substandard		—		3,817		1,947		3,771		1,603		5,073		5,906		—		22,117
Classified - doubtful		—		—		—		—		—		—		—		—		—
Total	$	977,538	$	246,805	$	199,865	$	167,490	$	87,306	$	282,603	$	445,695	$	136	$	2,407,438

Residential real estate
Loan delinquency:
Current	$	385,541	$	242,770	$	149,603	$	108,090	$	170,967	$	641,665	$	—	$	—	$	1,698,636
30-59 days past due		—		—		320		533		—		1,761		—		—		2,614
60-89 days past due		—		—		823		—		185		4,646		—		—		5,654
90 days or more past due		—		483		166		761		819		11,828		—		—		14,057
Total	$	385,541	$	243,253	$	150,912	$	109,384	$	171,971	$	659,900	$	—	$	—	$	1,720,961

Home equity
Loan delinquency:
Current	$	18,191	$	3,611	$	3,334	$	975	$	1,110	$	16,477	$	583,486	$	12,135	$	639,319
30-59 days past due		124		—		34		—		—		882		1,247		127		2,414
60-89 days past due		—		—		—		—		—		14		749		12		775
90 days or more past due		—		—		8		156		88		1,786		1,075		766		3,879
Total	$	18,315	$	3,611	$	3,376	$	1,131	$	1,198	$	19,159	$	586,557	$	13,040	$	646,387

Consumer
Loan delinquency:
Current	$	72,847	$	89,637	$	39,584	$	22,118	$	13,144	$	45,735	$	22,253	$	165	$	305,483
30-59 days past due		481		408		210		311		194		379		15		—		1,998
60-89 days past due		273		147		84		100		163		253		11		—		1,031
90 days or more past due		113		72		73		31		12		242		—		—		543
Total	$	73,714	$	90,264	$	39,951	$	22,560	$	13,513	$	46,609	$	22,279	$	165	$	309,055

Summary of Other Real Estate Owned and Repossessed Assets

The following table summarizes other real estate owned and repossessed assets included in other assets:

	June 30,		December 31,
(unaudited, in thousands)	2021		2020
Other real estate owned	$	754	$	504
Repossessed assets		19		45
Total other real estate owned and repossessed assets	$	773	$	549