Financial Instruments with Off-Balance-Sheet Risk (Tables)

12 Months Ended

Dec. 31, 2023

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Schedule of Financial Instruments with Off-Balance-Sheet Risk

We generally use the same credit policies in making commitments and conditional obligations as we do for on-balance sheet instruments. Commitments as of December 31, 2023 and 2022, are shown below (dollars in thousands):

	December 31,
	2023		2022
Financial instruments whose contract amounts represent credit risk:
Unfunded lines of credit	$	1,129,645	$	1,103,286
Unfunded commitments to extend credit		758,351		916,287
Standby letters of credit		35,093		43,698
Total commitments	$	1,923,089	$	2,063,271

The above table also does not include balances related to the Company’s IRLCs and forward mortgage-backed security trades.