XML 39 R30.htm IDEA: XBRL DOCUMENT v3.23.2
Loans And Allowance For Credit Losses (Tables)
 6 Months Ended
Jun. 30, 2023
Receivables [Abstract]  
Summary Classification Of Held For Investment Loan Portfolio
Major classifications within the Company’s held for investment loan portfolio at June 30, 2023 and December 31, 2022 are as follows:

(In thousands)
June 30, 2023December 31, 2022
Commercial:
Business$5,906,493 $5,661,725 
Real estate – construction and land1,451,783 1,361,095 
Real estate – business3,621,222 3,406,981 
Personal Banking:
Real estate – personal2,980,599 2,918,078 
Consumer2,110,605 2,059,088 
Revolving home equity303,845 297,207 
Consumer credit card574,755 584,000 
Overdrafts7,237 14,957 
Total loans$16,956,539 $16,303,131 
CECL Model Inputs
Key assumptions in the Company’s allowance for credit loss model include the economic forecast, the reasonable and supportable period, forecasted macro-economic variables, prepayment assumptions and qualitative factors applied for portfolio composition changes, underwriting practices, or significant unique events or conditions. The assumptions utilized in estimating the Company’s allowance for credit losses at June 30, 2023 and March 31, 2023 are discussed below.

Key AssumptionJune 30, 2023March 31, 2023
Overall economic forecast
•Mild recession in the second half of 2023
•Assume the Federal Reserve will pause increasing interest rates through year end
•Mild recession is expected to weaken employment
•Mild recession to start 3rd quarter of 2023
•Assume the Federal Reserve will continue raising interest rates
•Mild recession is expected to weaken employment
Reasonable and supportable period and related reversion period
•Reasonable and supportable period of one year
•Reversion to historical average loss within two quarters using straight-line method
•Reasonable and supportable period of one year
•Reversion to historical average loss within two quarters using straight-line method
Forecasted macro-economic variables
•Unemployment rate ranges from 3.9% to 5.3% during the supportable forecast period
•Real GDP growth ranges from (.27)% to 1.2%
•BBB corporate yield from 4.9% to 5.5%
•Housing Price Index from 282.1 to 284.5
•Unemployment rate ranges from 3.7% to 5.3% during the supportable forecast period
•Real GDP growth ranges from (.48)% to 2.0%
•BBB corporate yield from 5.3% to 5.8%
•Housing Price Index from 280.2 to 282.0
Prepayment assumptions
Commercial loans
•5% for most loan pools
Personal banking loans
•Ranging from 7.93% to 22.9% for most loan pools
•Consumer credit cards 67.6%
Commercial loans
•5% for most loan pools
Personal banking loans
•Ranging from 6.45% to 22.4% for most loan pools
•Consumer credit cards 67.5%
Qualitative factors
Added qualitative factors related to:
•Changes in the composition of the loan portfolios
•Certain stressed industries within the portfolio
•Certain portfolios sensitive to unusually high rate of inflation and supply chain issues
•Loans downgraded to special mention, substandard, or non-accrual status
Added qualitative factors related to:
•Changes in the composition of the loan portfolios
•Certain portfolios sensitive to pandemic economic uncertainties
•Certain portfolios sensitive to unusually high rate of inflation and supply chain issues
•Loans downgraded to special mention, substandard, or non-accrual status
Summary Of Activity In The Allowance For Credit Losses
A summary of the activity in the allowance for credit losses on loans and the liability for unfunded lending commitments during the three and six months ended June 30, 2023 and 2022, respectively, follows:

For the Three Months Ended June 30, 2023
For the Six Months Ended June 30, 2023
(In thousands)CommercialPersonal Banking

Total
CommercialPersonal Banking

Total
ALLOWANCE FOR CREDIT LOSSES ON LOANS
Balance at beginning of period$108,615 $50,702 $159,317 $103,293 $46,843 $150,136 
Provision for credit losses on loans(546)6,410 5,864 5,002 16,810 21,812 
Deductions:
   Loans charged off307 8,531 8,838 599 17,287 17,886 
   Less recoveries on loans262 2,080 2,342 328 4,295 4,623 
Net loan charge-offs (recoveries)45 6,451 6,496 271 12,992 13,263 
Balance June 30, 2023$108,024 $50,661 $158,685 $108,024 $50,661 $158,685 
LIABILITY FOR UNFUNDED LENDING COMMITMENTS
Balance at beginning of period$27,105 $1,523 $28,628 $31,743 $1,377 $33,120 
Provision for credit losses on unfunded lending commitments737 (130)607 (3,901)16 (3,885)
Balance June 30, 2023$27,842 $1,393 $29,235 $27,842 $1,393 $29,235 
ALLOWANCE FOR CREDIT LOSSES ON LOANS AND LIABILITY FOR UNFUNDED LENDING COMMITMENTS$135,866 $52,054 $187,920 $135,866 $52,054 $187,920 

For the Three Months Ended June 30, 2022
For the Six Months Ended June 30, 2022
(In thousands)CommercialPersonal Banking

Total
CommercialPersonal Banking

Total
ALLOWANCE FOR CREDIT LOSSES ON LOANS
Balance at beginning of period$94,827 $39,883 $134,710 $97,776 $52,268 $150,044 
Provision for credit losses on loans4,716 2,571 7,287 1,837 (5,236)(3,399)
Deductions:
   Loans charged off207 6,533 6,740 384 13,818 14,202 
   Less recoveries on loans189 2,593 2,782 296 5,300 5,596 
Net loan charge-offs (recoveries)18 3,940 3,958 88 8,518 8,606 
Balance June 30, 2022$99,525 $38,514 $138,039 $99,525 $38,514 $138,039 
LIABILITY FOR UNFUNDED LENDING COMMITMENTS
Balance at beginning of period$23,780 $1,252 $25,032 $23,271 $933 $24,204 
Provision for credit losses on unfunded lending commitments(163)38 (125)346 357 703 
Balance June 30, 2022$23,617 $1,290 $24,907 $23,617 $1,290 $24,907 
ALLOWANCE FOR CREDIT LOSSES ON LOANS AND LIABILITY FOR UNFUNDED LENDING COMMITMENTS$123,142 $39,804 $162,946 $123,142 $39,804 $162,946 
Aging Information On Past Due And Nonaccrual Loans The following table provides aging information on the Company’s past due and accruing loans, in addition to the balances of loans on non-accrual status, at June 30, 2023 and December 31, 2022.



(In thousands)
Current or Less Than 30 Days Past Due

30 – 89
Days Past Due
90 Days Past Due and Still AccruingNon-accrual



Total
June 30, 2023
Commercial:
Business$5,896,412 $4,847 $502 $4,732 $5,906,493 
Real estate – construction and land1,451,314 469 — — 1,451,783 
Real estate – business3,619,936 1,133 — 153 3,621,222 
Personal Banking:
Real estate – personal 2,962,174 10,921 6,228 1,276 2,980,599 
Consumer2,087,542 21,199 1,864 — 2,110,605 
Revolving home equity300,329 2,676 840 — 303,845 
Consumer credit card562,657 6,181 5,917 — 574,755 
Overdrafts6,932 305 — — 7,237 
Total $16,887,296 $47,731 $15,351 $6,161 $16,956,539 
December 31, 2022
Commercial:
Business$5,652,710 $1,759 $505 $6,751 $5,661,725 
Real estate – construction and land1,361,095 — — — 1,361,095 
Real estate – business3,406,207 585 — 189 3,406,981 
Personal Banking:
Real estate – personal 2,895,742 14,289 6,681 1,366 2,918,078 
Consumer2,031,827 25,089 2,172 — 2,059,088 
Revolving home equity295,303 1,201 703 — 297,207 
Consumer credit card572,213 6,238 5,549 — 584,000 
Overdrafts14,090 647 220 — 14,957 
Total $16,229,187 $49,808 $15,830 $8,306 $16,303,131 
Risk Category of Loans in Commercial Portfolio
The risk category of loans in the Commercial portfolio as of June 30, 2023 and December 31, 2022 are as follows:

Term Loans Amortized Cost Basis by Origination Year
(In thousands)20232022202120202019PriorRevolving Loans Amortized Cost BasisTotal
June 30, 2023
Business
    Risk Rating:
       Pass$1,136,860 $1,058,237 $631,119 $325,640 $303,589 $315,781 $2,001,024 $5,772,250 
       Special mention22,690 4,981 21,536 7,692 456 4,067 5,994 67,416 
       Substandard71 11,828 9,759 15,748 484 10,320 13,885 62,095 
       Non-accrual— 58 1,705 33 — 2,936 — 4,732 
   Total Business:$1,159,621 $1,075,104 $664,119 $349,113 $304,529 $333,104 $2,020,903 $5,906,493 
Gross write-offs for the six months ended June 30, 2023
$— $— $— $41 $— $— $558 $599 
Real estate-construction
    Risk Rating:
       Pass$221,343 $590,385 $497,885 $66,877 $27,103 $3,102 $33,532 $1,440,227 
       Special mention7,221 269 — — — — — 7,490 
       Substandard— 4,066 — — — — — 4,066 
    Total Real estate-construction:$228,564 $594,720 $497,885 $66,877 $27,103 $3,102 $33,532 $1,451,783 
Gross write-offs for the six months ended June 30, 2023
$— $— $— $— $— $— $— $— 
Real estate-business
    Risk Rating:
       Pass$483,249 $1,142,014 $527,586 $481,254 $355,089 $365,850 $83,463 $3,438,505 
       Special mention— 7,157 915 1,128 9,492 1,323 400 20,415 
       Substandard— 14,487 30,845 16,857 11,885 88,054 21 162,149 
       Non-accrual— 14 45 — — 94 — 153 
   Total Real estate-business:$483,249 $1,163,672 $559,391 $499,239 $376,466 $455,321 $83,884 $3,621,222 
Gross write-offs for the six months ended June 30, 2023
$— $— $— $— $— $— $— $— 
Commercial loans
    Risk Rating:
       Pass$1,841,452 $2,790,636 $1,656,590 $873,771 $685,781 $684,733 $2,118,019 $10,650,982 
       Special mention29,911 12,407 22,451 8,820 9,948 5,390 6,394 95,321 
       Substandard71 30,381 40,604 32,605 12,369 98,374 13,906 228,310 
       Non-accrual— 72 1,750 33 — 3,030 — 4,885 
   Total Commercial loans:$1,871,434 $2,833,496 $1,721,395 $915,229 $708,098 $791,527 $2,138,319 $10,979,498 
Gross write-offs for the six months ended June 30, 2023
$— $— $— $41 $— $— $558 $599 
Term Loans Amortized Cost Basis by Origination Year
(In thousands)20222021202020192018PriorRevolving Loans Amortized Cost BasisTotal
December 31, 2022
Business
    Risk Rating:
       Pass$1,456,476 $782,409 $464,201 $360,844 $180,375 $219,053 $2,146,380 $5,609,738 
       Special mention3,113 2,548 7,757 1,063 67 — 1,319 15,867 
       Substandard5,752 10,004 685 37 810 10,342 1,739 29,369 
       Non-accrual195 1,987 — 1 792 3,776 — 6,751 
   Total Business:$1,465,536 $796,948 $472,643 $361,945 $182,044 $233,171 $2,149,438 $5,661,725 
Real estate-construction
    Risk Rating:
       Pass$538,022 $596,465 $129,632 $27,331 $1,305 $2,029 $18,559 $1,313,343 
       Special mention352 — — — — — — 352 
       Substandard— 19,494 — — 14,766 13,140 — 47,400 
    Total Real estate-construction:$538,374 $615,959 $129,632 $27,331 $16,071 $15,169 $18,559 $1,361,095 
Real estate- business
    Risk Rating:
       Pass$1,085,379 $616,516 $555,648 $424,641 $163,628 $271,579 $90,799 $3,208,190 
       Special mention4,608 — 618 9,737 976 279 — 16,218 
       Substandard2,795 30,944 61,141 10,490 30,782 46,232 — 182,384 
       Non-accrual14 45 — — 124 6 — 189 
   Total Real-estate business:$1,092,796 $647,505 $617,407 $444,868 $195,510 $318,096 $90,799 $3,406,981 
Commercial loans
    Risk Rating:
       Pass$3,079,877 $1,995,390 $1,149,481 $812,816 $345,308 $492,661 $2,255,738 $10,131,271 
       Special mention8,073 2,548 8,375 10,800 1,043 279 1,319 32,437 
       Substandard8,547 60,442 61,826 10,527 46,358 69,714 1,739 259,153 
       Non-accrual209 2,032 — 1 916 3,782 — 6,940 
   Total Commercial loans:$3,096,706 $2,060,412 $1,219,682 $834,144 $393,625 $566,436 $2,258,796 $10,429,801 
Risk Category of Loans in Personal Banking Portfolio
The credit quality of Personal Banking loans is monitored primarily on the basis of aging/delinquency, and this information is provided as of June 30, 2023 and December 31, 2022 below.

Term Loans Amortized Cost Basis by Origination Year
(In thousands)20232022202120202019PriorRevolving Loans Amortized Cost BasisTotal
June 30, 2023
Real estate-personal
       Current to 90 days past due$256,814 $479,786 $558,080 $746,091 $277,351 $644,588 $10,385 $2,973,095 
       Over 90 days past due— 722 1,275 1,346 — 2,885 — 6,228 
       Non-accrual— 49 — — 167 1,060 — 1,276 
   Total Real estate-personal:$256,814 $480,557 $559,355 $747,437 $277,518 $648,533 $10,385 $2,980,599 
Gross write-offs for the six months ended June 30, 2023
$— $18 $— $— $— $18 $— $36 
Consumer
       Current to 90 days past due$317,512 $392,842 $307,047 $162,859 $77,928 $69,972 $780,581 $2,108,741 
       Over 90 days past due116 323 140 112 50 446 677 1,864 
    Total Consumer:$317,628 $393,165 $307,187 $162,971 $77,978 $70,418 $781,258 $2,110,605 
Gross write-offs for the six months ended June 30, 2023
$61 $1,265 $996 $492 $173 $238 $505 $3,730 
Revolving home equity
       Current to 90 days past due$— $— $— $— $— $— $303,005 $303,005 
       Over 90 days past due— — — — — — 840 840 
   Total Revolving home equity:$— $— $— $— $— $— $303,845 $303,845 
Gross write-offs for the six months ended June 30, 2023
$— $— $— $— $— $— $— $— 
Consumer credit card
       Current to 90 days past due$— $— $— $— $— $— $568,838 $568,838 
       Over 90 days past due— — — — — — 5,917 5,917 
   Total Consumer credit card:$— $— $— $— $— $— $574,755 $574,755 
Gross write-offs for the six months ended June 30, 2023
$— $— $— $— $— $— $11,637 $11,637 
Overdrafts
       Current to 90 days past due$7,237 $— $— $— $— $— $— $7,237 
    Total Overdrafts:$7,237 $— $— $— $— $— $— $7,237 
Gross write-offs for the six months ended June 30, 2023
$1,884 $— $— $— $— $— $— $1,884 
Personal banking loans
       Current to 90 days past due$581,563 $872,628 $865,127 $908,950 $355,279 $714,560 $1,662,809 $5,960,916 
       Over 90 days past due116 1,045 1,415 1,458 50 3,331 7,434 14,849 
       Non-accrual— 49 — — 167 1,060 — 1,276 
   Total Personal banking loans:$581,679 $873,722 $866,542 $910,408 $355,496 $718,951 $1,670,243 $5,977,041 
Gross write-offs for the six months ended June 30, 2023
$1,945 $1,283 $996 $492 $173 $256 $12,142 $17,287 
Term Loans Amortized Cost Basis by Origination Year
(In thousands)20222021202020192018PriorRevolving Loans Amortized Cost BasisTotal
December 31, 2022
Real estate-personal
       Current to 90 days past due$535,283 $589,658 $783,651 $290,580 $132,305 $568,380 $10,174 $2,910,031 
       Over 90 days past due514 967 1,338 81 1,388 2,393 — 6,681 
       Non-accrual— — 52 169 102 1,043 — 1,366 
   Total Real estate-personal:$535,797 $590,625 $785,041 $290,830 $133,795 $571,816 $10,174 $2,918,078 
Consumer
       Current to 90 days past due$536,429 $378,118 $205,849 $106,733 $36,096 $62,255 $731,436 $2,056,916 
       Over 90 days past due326 251 203 58 267 228 839 2,172 
    Total Consumer:$536,755 $378,369 $206,052 $106,791 $36,363 $62,483 $732,275 $2,059,088 
Revolving home equity
       Current to 90 days past due$— $— $— $— $— $— $296,504 $296,504 
       Over 90 days past due— — — — — — 703 703 
   Total Revolving home equity:$— $— $— $— $— $— $297,207 $297,207 
Consumer credit card
       Current to 90 days past due$— $— $— $— $— $— $578,451 $578,451 
       Over 90 days past due— — — — — — 5,549 5,549 
   Total Consumer credit card:$— $— $— $— $— $— $584,000 $584,000 
Overdrafts
       Current to 90 days past due$14,737 $— $— $— $— $— $— $14,737 
       Over 90 days past due220 — — — — — — 220 
    Total Overdrafts:$14,957 $— $— $— $— $— $— $14,957 
Personal banking loans
       Current to 90 days past due$1,086,449 $967,776 $989,500 $397,313 $168,401 $630,635 $1,616,565 $5,856,639 
       Over 90 days past due1,060 1,218 1,541 139 1,655 2,621 7,091 15,325 
       Non-accrual— — 52 169 102 1,043 — 1,366 
   Total Personal banking loans:$1,087,509 $968,994 $991,093 $397,621 $170,158 $634,299 $1,623,656 $5,873,330 
Amortized Cost Basis of Collateral-Dependent Loans The following table presents the amortized cost basis of collateral-dependent loans as of June 30, 2023 and December 31, 2022.
(In thousands)Business AssetsOil & Gas AssetsTotal
June 30, 2023
Commercial:
  Business$1,598 $1,508 $3,106 
Total$1,598 $1,508 $3,106 
December 31, 2022
Commercial:
Business$2,778 $1,824 $4,602 
Total$2,778 $1,824 $4,602 
Summary Of Loans In The Personal Banking Portfolio Percentage Of Balances by FICO Score For the remainder of loans in the Personal Banking portfolio, the table below shows the percentage of balances outstanding at June 30, 2023 and December 31, 2022 by FICO score.
   Personal Banking Loans
% of Loan Category
Real Estate - PersonalConsumerRevolving Home EquityConsumer Credit Card
June 30, 2023
FICO score:
Under 6001.7 %2.5 %1.6 %4.2 %
600 - 6592.2 3.9 3.0 11.6 
660 - 7198.1 13.4 9.6 29.3 
720 - 77922.6 24.3 22.6 27.5 
780 and over65.4 55.9 63.2 27.4 
Total100.0 %100.0 %100.0 %100.0 %
December 31, 2022
FICO score:
Under 6001.4 %2.2 %1.5 %3.4 %
600 - 6592.2 4.2 2.8 11.4 
660 - 7198.1 14.5 9.7 30.8 
720 - 77923.7 26.7 21.4 27.1 
780 and over64.6 52.4 64.6 27.3 
Total100.0 %100.0 %100.0 %100.0 %
Additional Information about Troubled Debt Restructurings
(In thousands)December 31, 2022
Accruing restructured loans:
Commercial
$184,388 
Assistance programs
5,156 
Other consumer
4,049 
Non-accrual loans
5,078 
Total troubled debt restructurings
$198,671 
Financing receivable, financial impacts of loan modifications and payment deferrals
The following tables summarize the financial impact of loan modifications and payment deferrals during the three and six months ended June 30, 2023. The qualitative impact of forbearance and repayment plans is the deferral of payments for 3 months up to 30 years, and therefore, those modifications are excluded from the tables below.

Term Extension
Three Months Ended June 30, 2023Six Months Ended June 30, 2023
Commercial:
Business
Added a weighted average of 9 months to the life of loans.
Added a weighted average of 9 months to the life of loans.
Real estate – business
Added a weighted average of 12 months to the life of loans.
Added a weighted average of 14 months to the life of loans.
Personal Banking:
Real estate – personal
Added a weighted average of 7 months to the life of loans.
Added a weighted average of 7 months to the life of loans.
Consumer
Added 10 years to the life of loans.
Added 10 years to the life of loans.


Payment Delay
Three Months Ended June 30, 2023Six Months Ended June 30, 2023
Personal Banking:
Real estate – personal
Deferred certain payments by a weighted average of 28 years.
Deferred certain payments by a weighted average of 20 years.
Consumer
Deferred certain payments by a weighted average of 6 months.
Deferred certain payments by a weighted average of 71 months.


Interest Rate Reduction
Three Months Ended June 30, 2023Six Months Ended June 30, 2023
Personal Banking:
ConsumerReduced contractual interest from weighted average 21% to 6%.Reduced contractual interest from weighted average 21% to 6%.
Consumer credit cardReduced contractual interest from weighted average 21% to 6%.Reduced contractual interest from weighted average 21% to 6%.


Forgiveness of Interest/Fees
Three Months Ended June 30, 2023Six Months Ended June 30, 2023
Personal Banking:
Consumer credit cardApproximately $13 thousand of interest and fees forgiven.Approximately $27 thousand of interest and fees forgiven.
Outstanding Balance Of Loans Classified As Troubled Debt Restructurings
The following tables present the amortized cost at June 30, 2023 of loans that were modified during the three and six months ended June 30, 2023.

For the Three Months Ended June 30, 2023



(Dollars in thousands)
Term ExtensionPayment DelayInterest Rate ReductionInterest/Fees Forgiven
Other
Total% of Total Loan Category
June 30, 2023
Commercial:
Business$17,097 $— $— $— $— $17,097 0.3 %
Real estate – business33,966 — — — — 33,966 0.9 
Personal Banking:
Real estate – personal 246 1,223 — — — 1,469 — 
Consumer31 18 8 — — 57 — 
Consumer credit card— — 731 224 — 955 0.2 
Total $51,340 $1,241 $739 $224 $— $53,544 0.3 %

For the Six Months Ended June 30, 2023



(Dollars in thousands)
Term ExtensionPayment DelayInterest Rate ReductionInterest/Fees Forgiven
Other
Total% of Total Loan Category
June 30, 2023
Commercial:
Business$18,193 $— $— $— $— $18,193 0.3 %
Real estate – business49,548 — — — — 49,548 1.4 
Personal Banking:
Real estate – personal 246 2,777 — — — 3,023 0.1 
Consumer31 75 21 — 55 182 — 
Consumer credit card— — 1,299 487 — 1,786 0.3 
Total $68,018 $2,852 $1,320 $487 $55 $72,732 0.4 %
Financing Receivable, Modified, Past Due
The following table presents the amortized cost basis at June 30, 2023 of loans that have been modified on or after January 1, 2023 (the date we adopted ASU 2022-02) through June 30, 2023.



(In thousands)
Current
30-89 Days Past Due
90 Days Past DueTotal
June 30, 2023
Commercial:
Business$18,193 $— $— $18,193 
Real estate – business49,548 — — 49,548 
Personal Banking:
Real estate – personal 2,027 217 779 3,023 
Consumer169 7 6 182 
Consumer credit card1,205 436 145 1,786 
Total $71,142 $660 $930 $72,732 
Financing Receivable, Modified, Subsequent Default The following table provides the amortized cost basis of loans to borrowers experiencing financial difficulty that had a payment default during the three and six months ended June 30, 2023 and were modified on or after January 1, 2023 (the date we adopted ASU 2022-02) through June 30, 2023. For purposes of this disclosure, the Company considers "default" to mean 90 days or more past due as to interest or principal. In addition to the loans below, the Company charged off $78 thousand of consumer credit card loans during the six months ended June 30, 2023 that were modified during the period.
For the Three Months Ended June 30, 2023For the Six Months Ended June 30, 2023


(Dollars in thousands)
Payment DelayInterest Rate ReductionInterest/Fees ForgivenTotalPayment DelayInterest Rate ReductionInterest/Fees ForgivenTotal
June 30, 2023
Personal Banking:
Real estate – personal $779 $— $— $779 $779 $— $— $779 
Consumer— 6 — 6 — 11 — 11 
Consumer credit card— 67 78 145 — 111 78 189 
Total $779 $73 $78 $930 $779 $122 $78 $979 
Financing Receivable, Troubled Debt Restructuring
The table below shows the balance of troubled debt restructurings by loan classification at December 31, 2022, in addition to the outstanding balances of these restructured loans which the Company considers to have been in default at any time during the past twelve months. For purposes of this disclosure, the Company considers "default" to mean 90 days or more past due as to interest or principal.

(In thousands)December 31, 2022Balance at December 31, 2022 that was 90 days past due at any time during previous 12 months
Commercial:
Business$12,311 $— 
Real estate - construction and land57,547 — 
Real estate - business118,654 — 
Personal Banking:
Real estate - personal2,809 419 
Consumer2,250 268 
Revolving home equity17 — 
Consumer credit card5,083 452 
Total troubled debt restructurings$198,671 $1,139