Allowance for Credit Losses (Tables)

6 Months Ended

Jun. 30, 2023

Allowance for Credit Losses

Schedule of activity in the allowance by class of loans and lease

	Three Months Ended June 30, 2023
	Commercial Lending								Residential Lending
	Commercial		Commercial								Home
	and		Real				Lease		Residential		Equity
(dollars in thousands)	Industrial		Estate		Construction		Financing		Mortgage		Line		Consumer		Total
Allowance for credit losses:
Balance at beginning of period	$	14,038	$	40,311	$	6,473	$	1,481	$	34,320	$	9,341	$	41,158	$	147,122
Charge-offs		(997)		—		—		—		—		(137)		(4,516)		(5,650)
Recoveries		292		—		—		—		30		59		1,728		2,109
Provision		477		(424)		3,398		(34)		(1,547)		2,543		587		5,000
Balance at end of period	$	13,810	$	39,887	$	9,871	$	1,447	$	32,803	$	11,806	$	38,957	$	148,581

	Six Months Ended June 30, 2023
	Commercial Lending								Residential Lending
	Commercial		Commercial								Home
	and		Real				Lease		Residential		Equity
(dollars in thousands)	Industrial		Estate		Construction		Financing		Mortgage		Line		Consumer		Total
Allowance for credit losses:
Balance at beginning of period	$	14,564	$	43,810	$	5,843	$	1,551	$	35,175	$	8,296	$	34,661	$	143,900
Charge-offs		(1,788)		—		—		—		(122)		(272)		(9,298)		(11,480)
Recoveries		538		—		—		—		57		236		3,894		4,725
Provision		496		(3,923)		4,028		(104)		(2,307)		3,546		9,700		11,436
Balance at end of period	$	13,810	$	39,887	$	9,871	$	1,447	$	32,803	$	11,806	$	38,957	$	148,581

	Three Months Ended June 30, 2022
	Commercial Lending								Residential Lending
	Commercial		Commercial								Home
	and		Real				Lease		Residential		Equity
(dollars in thousands)	Industrial		Estate		Construction		Financing		Mortgage		Line		Consumer		Total
Allowance for credit losses:
Balance at beginning of period	$	19,160	$	45,238	$	8,908	$	1,362	$	30,888	$	5,084	$	39,640	$	150,280
Charge-offs		(243)		—		—		—		—		(1,120)		(3,659)		(5,022)
Recoveries		301		—		—		60		192		191		1,940		2,684
Provision		(3,294)		(512)		(3,541)		(24)		2,555		579		5,237		1,000
Balance at end of period	$	15,924	$	44,726	$	5,367	$	1,398	$	33,635	$	4,734	$	43,158	$	148,942

	Six Months Ended June 30, 2022
	Commercial Lending								Residential Lending
	Commercial		Commercial								Home
	and		Real				Lease		Residential		Equity
(dollars in thousands)	Industrial		Estate		Construction		Financing		Mortgage		Line		Consumer		Total
Allowance for credit losses:
Balance at beginning of period	$	20,080	$	42,951	$	9,773	$	1,659	$	34,364	$	5,642	$	42,793	$	157,262
Charge-offs		(949)		—		—		—		—		(1,163)		(7,768)		(9,880)
Recoveries		354		14		—		60		208		219		4,088		4,943
Provision		(3,561)		1,761		(4,406)		(321)		(937)		36		4,045		(3,383)
Balance at end of period	$	15,924	$	44,726	$	5,367	$	1,398	$	33,635	$	4,734	$	43,158	$	148,942

Schedule of activity in the Liability for Credit Losses for Off-Balance-Sheet Financial Instruments

	Three Months Ended June 30, 2023
	Commercial Lending								Residential Lending
	Commercial		Commercial								Home
	and		Real				Lease		Residential		Equity
(dollars in thousands)	Industrial		Estate		Construction		Financing		Mortgage		Line		Consumer		Total
Reserve for unfunded commitments:
Balance at beginning of period	$	7,153	$	1,692	$	8,952	$	—	$	17	$	18,336	$	49	$	36,199
Provision		(799)		299		837		—		2		(321)		(18)		—
Balance at end of period	$	6,354	$	1,991	$	9,789	$	—	$	19	$	18,015	$	31	$	36,199

	Six Months Ended June 30, 2023
	Commercial Lending								Residential Lending
	Commercial		Commercial								Home
	and		Real				Lease		Residential		Equity
(dollars in thousands)	Industrial		Estate		Construction		Financing		Mortgage		Line		Consumer		Total
Reserve for unfunded commitments:
Balance at beginning of period	$	7,811	$	2,004	$	7,470	$	—	$	30	$	16,483	$	37	$	33,835
Provision		(1,457)		(13)		2,319		—		(11)		1,532		(6)		2,364
Balance at end of period	$	6,354	$	1,991	$	9,789	$	—	$	19	$	18,015	$	31	$	36,199

	Three Months Ended June 30, 2022
	Commercial Lending								Residential Lending
	Commercial		Commercial								Home
	and		Real				Lease		Residential		Equity
(dollars in thousands)	Industrial		Estate		Construction		Financing		Mortgage		Line		Consumer		Total
Reserve for unfunded commitments:
Balance at beginning of period	$	9,308	$	1,789	$	8,046	$	—	$	3	$	9,766	$	46	$	28,958
Provision		(1,668)		1,961		(1,962)		—		29		1,657		(17)		—
Balance at end of period	$	7,640	$	3,750	$	6,084	$	—	$	32	$	11,423	$	29	$	28,958

	Six Months Ended June 30, 2022
	Commercial Lending								Residential Lending
	Commercial		Commercial								Home
	and		Real				Lease		Residential		Equity
(dollars in thousands)	Industrial		Estate		Construction		Financing		Mortgage		Line		Consumer		Total
Reserve for unfunded commitments:
Balance at beginning of period	$	8,615	$	2,114	$	8,963	$	—	$	15	$	10,546	$	69	$	30,322
Provision		(975)		1,636		(2,879)		—		17		877		(40)		(1,364)
Balance at end of period	$	7,640	$	3,750	$	6,084	$	—	$	32	$	11,423	$	29	$	28,958

Schedule of amortized cost basis by year of origination and credit quality indicator

The amortized cost basis by year of origination and credit quality indicator of the Company’s loans and leases as of June 30, 2023 was as follows:

															Revolving
															Loans
															Converted
	Term Loans												Revolving		to Term
	Amortized Cost Basis by Origination Year												Loans		Loans
													Amortized		Amortized
(dollars in thousands)	2023		2022		2021		2020		2019		Prior		Cost Basis		Cost Basis		Total
Commercial Lending
Commercial and Industrial
Risk rating:
Pass	$	33,877	$	299,913	$	385,159	$	38,769	$	157,794	$	165,747	$	952,182	$	15,003	$	2,048,444
Special Mention		103		31,193		154		849		2,397		1,481		2,967		186		39,330
Substandard		352		563		260		936		819		1,100		12,539		17		16,586
Other (1)		11,743		13,284		6,301		3,275		2,644		1,668		44,556		—		83,471
Total Commercial and Industrial		46,075		344,953		391,874		43,829		163,654		169,996		1,012,244		15,206		2,187,831
Current period gross charge-offs	$	72	$	60	$	9	$	28	$	92	$	1,527	$	—	$	—	$	1,788
Commercial Real Estate
Risk rating:
Pass		212,159		876,558		655,847		333,142		564,881		1,499,805		72,447		—		4,214,839
Special Mention		1,737		156		—		547		6,983		12,389		12,952		—		34,764
Substandard		—		5,141		—		171		—		35,883		2		—		41,197
Other (1)		—		—		—		—		—		148		—		—		148
Total Commercial Real Estate		213,896		881,855		655,847		333,860		571,864		1,548,225		85,401		—		4,290,948
Current period gross charge-offs		—		—		—		—		—		—		—		—		—
Construction
Risk rating:
Pass		77,826		182,679		365,959		76,728		61,906		82,554		6,562		—		854,214
Special Mention		—		—		—		—		205		—		—		—		205
Other (1)		6,601		26,882		15,766		3,261		2,136		4,067		705		—		59,418
Total Construction		84,427		209,561		381,725		79,989		64,247		86,621		7,267		—		913,837
Current period gross charge-offs		—		—		—		—		—		—		—		—		—
Lease Financing
Risk rating:
Pass		69,487		94,276		21,167		39,215		35,964		70,312		—		—		330,421
Special Mention		—		—		365		60		—		—		—		—		425
Substandard		—		—		—		171		7		1,376		—		—		1,554
Total Lease Financing		69,487		94,276		21,532		39,446		35,971		71,688		—		—		332,400
Current period gross charge-offs		—		—		—		—		—		—		—		—		—
Total Commercial Lending	$	413,885	$	1,530,645	$	1,450,978	$	497,124	$	835,736	$	1,876,530	$	1,104,912	$	15,206	$	7,725,016
Current period gross charge-offs	$	72	$	60	$	9	$	28	$	92	$	1,527	$	—	$	—	$	1,788

(continued)

															Revolving
															Loans
															Converted
	Term Loans												Revolving		to Term
	Amortized Cost Basis by Origination Year												Loans		Loans
(continued)													Amortized		Amortized
(dollars in thousands)	2023		2022		2021		2020		2019		Prior		Cost Basis		Cost Basis		Total
Residential Lending
Residential Mortgage
FICO:
740 and greater	$	138,593	$	530,776	$	1,030,287	$	544,330	$	236,821	$	1,036,361	$	—	$	—	$	3,517,168
680 - 739		25,500		81,562		117,701		74,446		34,186		135,766		—		—		469,161
620 - 679		2,468		11,212		16,463		10,747		5,743		38,132		—		—		84,765
550 - 619		—		3,383		4,058		2,471		254		12,362		—		—		22,528
Less than 550		—		197		2,372		1,581		51		5,403		—		—		9,604
No Score (3)		6,075		19,497		12,552		6,378		9,837		56,201		—		—		110,540
Other (2)		9,916		18,075		17,857		12,952		8,915		28,438		7,618		—		103,771
Total Residential Mortgage		182,552		664,702		1,201,290		652,905		295,807		1,312,663		7,618		—		4,317,537
Current period gross charge-offs	$	—	$	—	$	—	$	—	$	—	$	122	$	—	$	—	$	122
Home Equity Line
FICO:
740 and greater		—		—		—		—		—		—		930,741		1,668		932,409
680 - 739		—		—		—		—		—		—		151,418		2,449		153,867
620 - 679		—		—		—		—		—		—		32,897		1,376		34,273
550 - 619		—		—		—		—		—		—		9,428		1,448		10,876
Less than 550		—		—		—		—		—		—		5,127		312		5,439
No Score (3)		—		—		—		—		—		—		1,299		—		1,299
Total Home Equity Line		—		—		—		—		—		—		1,130,910		7,253		1,138,163
Current period gross charge-offs		—		—		—		—		—		—		254		18		272
Total Residential Lending	$	182,552	$	664,702	$	1,201,290	$	652,905	$	295,807	$	1,312,663	$	1,138,528	$	7,253	$	5,455,700
Current period gross charge-offs	$	—	$	—	$	—	$	—	$	—	$	122	$	254	$	18	$	394
Consumer Lending
FICO:
740 and greater		70,561		153,960		93,788		45,022		34,093		19,410		117,437		140		534,411
680 - 739		44,064		84,900		49,136		23,895		19,424		11,352		72,327		431		305,529
620 - 679		14,643		37,576		19,488		9,771		11,007		8,482		33,692		941		135,600
550 - 619		2,255		10,974		8,135		5,608		6,314		5,207		11,730		748		50,971
Less than 550		418		4,358		4,478		2,695		2,975		2,765		4,247		560		22,496
No Score (3)		1,425		586		2		—		6		17		39,035		167		41,238
Other (2)		36		1,208		3,536		343		1,113		1		85,634		—		91,871
Total Consumer Lending	$	133,402	$	293,562	$	178,563	$	87,334	$	74,932	$	47,234	$	364,102	$	2,987	$	1,182,116
Current period gross charge-offs	$	58	$	1,244	$	1,260	$	630	$	1,239	$	1,388	$	3,131	$	348	$	9,298
Total Loans and Leases	$	729,839	$	2,488,909	$	2,830,831	$	1,237,363	$	1,206,475	$	3,236,427	$	2,607,542	$	25,446	$	14,362,832
Current period gross charge-offs	$	130	$	1,304	$	1,269	$	658	$	1,331	$	3,037	$	3,385	$	366	$	11,480

(1) Other credit quality indicators used for monitoring purposes are primarily FICO scores. The majority of the loans in this population were originated to borrowers with a prime FICO score.

(2) Other credit quality indicators used for monitoring purposes are primarily internal risk ratings. The majority of the loans in this population were graded with a “Pass” rating.

(3) No FICO scores are primarily related to loans and leases extended to non-residents. Loans and leases of this nature are primarily secured by collateral and/or are closely monitored for performance.

The amortized cost basis by year of origination and credit quality indicator of the Company’s loans and leases as of December 31, 2022 was as follows:

															Revolving
															Loans
															Converted
	Term Loans												Revolving		to Term
	Amortized Cost Basis by Origination Year												Loans		Loans
													Amortized		Amortized
(dollars in thousands)	2022		2021		2020		2019		2018		Prior		Cost Basis		Cost Basis		Total
Commercial Lending
Commercial and Industrial
Risk rating:
Pass	$	359,881	$	422,567	$	54,656	$	170,222	$	51,476	$	137,257	$	894,384	$	15,715	$	2,106,158
Special Mention		2,059		240		1,371		2,643		184		1,431		22,897		378		31,203
Substandard		625		289		1,117		1,092		668		885		14,733		65		19,474
Other (1)		17,679		7,721		4,329		3,965		1,881		1,167		42,320		—		79,062
Total Commercial and Industrial		380,244		430,817		61,473		177,922		54,209		140,740		974,334		16,158		2,235,897
Commercial Real Estate
Risk rating:
Pass		889,583		695,882		319,838		565,587		395,474		1,173,163		48,081		—		4,087,608
Special Mention		170		—		555		14,878		512		11,398		675		—		28,188
Substandard		—		—		173		—		1,704		14,485		—		—		16,362
Other (1)		—		—		—		—		—		151		—		—		151
Total Commercial Real Estate		889,753		695,882		320,566		580,465		397,690		1,199,197		48,756		—		4,132,309
Construction
Risk rating:
Pass		124,464		261,536		96,423		97,000		88,973		84,704		25,957		—		779,057
Special Mention		—		—		—		221		—		—		—		—		221
Substandard		—		—		—		—		21		490		—		—		511
Other (1)		29,694		21,339		4,686		2,201		3,784		2,196		954		—		64,854
Total Construction		154,158		282,875		101,109		99,422		92,778		87,390		26,911		—		844,643
Lease Financing
Risk rating:
Pass		113,563		24,052		43,497		37,502		6,004		67,687		—		—		292,305
Special Mention		—		411		2,498		1,299		—		—		—		—		4,208
Substandard		—		—		197		12		11		1,357		—		—		1,577
Total Lease Financing		113,563		24,463		46,192		38,813		6,015		69,044		—		—		298,090
Total Commercial Lending	$	1,537,718	$	1,434,037	$	529,340	$	896,622	$	550,692	$	1,496,371	$	1,050,001	$	16,158	$	7,510,939

(continued)

															Revolving
															Loans
															Converted
	Term Loans												Revolving		to Term
	Amortized Cost Basis by Origination Year												Loans		Loans
(continued)													Amortized		Amortized
(dollars in thousands)	2022		2021		2020		2019		2018		Prior		Cost Basis		Cost Basis		Total
Residential Lending
Residential Mortgage
FICO:
740 and greater	$	557,636	$	1,064,444	$	560,463	$	245,241	$	165,258	$	920,100	$	—	$	—	$	3,513,142
680 - 739		73,929		112,672		82,416		40,355		22,126		130,508		—		—		462,006
620 - 679		12,320		13,804		9,881		3,649		3,054		35,441		—		—		78,149
550 - 619		2,455		2,246		1,791		263		601		6,955		—		—		14,311
Less than 550		—		1,321		367		—		966		5,304		—		—		7,958
No Score (3)		22,289		14,671		6,820		10,599		15,921		47,245		—		—		117,545
Other (2)		18,970		18,211		15,287		9,201		9,124		29,128		9,202		554		109,677
Total Residential Mortgage		687,599		1,227,369		677,025		309,308		217,050		1,174,681		9,202		554		4,302,788
Home Equity Line
FICO:
740 and greater		—		—		—		—		—		—		817,123		2,059		819,182
680 - 739		—		—		—		—		—		—		171,117		2,714		173,831
620 - 679		—		—		—		—		—		—		45,368		2,100		47,468
550 - 619		—		—		—		—		—		—		7,485		1,029		8,514
Less than 550		—		—		—		—		—		—		1,151		481		1,632
No Score (3)		—		—		—		—		—		—		4,724		—		4,724
Total Home Equity Line		—		—		—		—		—		—		1,046,968		8,383		1,055,351
Total Residential Lending		687,599		1,227,369		677,025		309,308		217,050		1,174,681		1,056,170		8,937		5,358,139
Consumer Lending
FICO:
740 and greater		200,887		111,047		53,534		43,912		24,951		8,432		125,126		185		568,074
680 - 739		99,787		67,140		37,260		31,751		15,874		7,665		72,101		514		332,092
620 - 679		25,949		29,587		14,226		16,872		9,672		6,488		31,854		937		135,585
550 - 619		3,017		5,475		5,226		8,056		5,396		3,924		11,269		854		43,217
Less than 550		656		1,351		2,286		3,779		1,869		1,593		3,541		443		15,518
No Score (3)		3,205		258		—		51		24		29		38,805		227		42,599
Other (2)		1,615		4,082		353		1,368		—		—		78,430		1		85,849
Total Consumer Lending		335,116		218,940		112,885		105,789		57,786		28,131		361,126		3,161		1,222,934
Total Loans and Leases	$	2,560,433	$	2,880,346	$	1,319,250	$	1,311,719	$	825,528	$	2,699,183	$	2,467,297	$	28,256	$	14,092,012

(1) Other credit quality indicators used for monitoring purposes are primarily FICO scores. The majority of the loans in this population were originated to borrowers with a prime FICO score.

(2) Other credit quality indicators used for monitoring purposes are primarily internal risk ratings. The majority of the loans in this population were graded with a “Pass” rating.

(3) No FICO scores are primarily related to loans and leases extended to non-residents. Loans and leases of this nature are primarily secured by collateral and/or are closely monitored for performance.

Schedule of aging analyses of past due loans and leases

	June 30, 2023
	Past Due												Loans and
					Greater								Leases Past
					Than or								Due 90 Days
	30-59		60-89		Equal to								or More and
	Days		Days		90 Days		Total				Total Loans		Still Accruing
(dollars in thousands)	Past Due		Past Due		Past Due		Past Due		Current		and Leases		Interest
Commercial and industrial	$	1,318	$	899	$	1,606	$	3,823	$	2,184,008	$	2,187,831	$	599
Commercial real estate		—		3,278		619		3,897		4,287,051		4,290,948		619
Construction		—		—		—		—		913,837		913,837		—
Lease financing		—		—		—		—		332,400		332,400		—
Residential mortgage		2,662		4,531		3,524		10,717		4,306,820		4,317,537		58
Home equity line		3,843		404		3,103		7,350		1,130,813		1,138,163		—
Consumer		19,897		3,933		1,975		25,805		1,156,311		1,182,116		1,975
Total	$	27,720	$	13,045	$	10,827	$	51,592	$	14,311,240	$	14,362,832	$	3,251

	December 31, 2022
	Past Due												Loans and
					Greater								Leases Past
					Than or								Due 90 Days
	30-59		60-89		Equal to								or More and
	Days		Days		90 Days		Total				Total Loans		Still Accruing
(dollars in thousands)	Past Due		Past Due		Past Due		Past Due		Current		and Leases		Interest
Commercial and industrial	$	2,682	$	769	$	1,441	$	4,892	$	2,231,005	$	2,235,897	$	291
Commercial real estate		4,505		—		727		5,232		4,127,077		4,132,309		—
Construction		109		—		—		109		844,534		844,643		—
Lease financing		—		—		—		—		298,090		298,090		—
Residential mortgage		3,681		1,983		2,572		8,236		4,294,552		4,302,788		58
Home equity line		5,161		1,381		2,072		8,614		1,046,737		1,055,351		—
Consumer		29,927		6,801		2,886		39,614		1,183,320		1,222,934		2,885
Total	$	46,065	$	10,934	$	9,698	$	66,697	$	14,025,315	$	14,092,012	$	3,234

Schedule of amortized cost basis of loans and leases on nonaccrual status

	June 30, 2023
	Nonaccrual
	Loans
	and Leases
	With No		Nonaccrual
	Allowance		Loans
(dollars in thousands)	for Credit Losses		and Leases
Commercial and industrial	$	523	$	1,024
Residential mortgage		1,549		6,097
Home equity line		596		6,107
Total Nonaccrual Loans and Leases	$	2,668	$	13,228

	December 31, 2022
	Nonaccrual
	Loans
	and Leases
	With No		Nonaccrual
	Allowance		Loans
(dollars in thousands)	for Credit Losses		and Leases
Commercial and industrial	$	665	$	1,215
Commercial real estate		727		727
Residential mortgage		1,560		6,166
Home equity line		596		3,797
Total Nonaccrual Loans and Leases	$	3,548	$	11,905

Schedule of loans modified to borrowers experiencing financial difficulty

		Interest Rate Reduction
		Three Months Ended				Six Months Ended
		June 30, 2023				June 30, 2023
		Amortized	% of Total Class			Amortized	% of Total Class
(dollars in thousands)		Cost Basis(1)	of Financing Receivable			Cost Basis(1)	of Financing Receivable
Commercial real estate	$	—	—	%	$	2	n/m	%
Consumer		371	0.03			705	0.06
Total	$	371	n/m	%	$	707	n/m	%

n/m – Represents less than 0.01% of total class of financing receivable.

(1) The amortized cost basis reflects all partial paydowns and charge-offs since the modification date and do not include loans modified to borrowers experiencing financial difficulty that have been fully paid off, charged off, or foreclosed upon by the end of the period.

		Term Extension
		Three Months Ended				Six Months Ended
		June 30, 2023				June 30, 2023
		Amortized	% of Total Class			Amortized	% of Total Class
(dollars in thousands)		Cost Basis(1)	of Financing Receivable			Cost Basis(1)	of Financing Receivable
Commercial and industrial	$	87	n/m	%	$	109	n/m	%
Commercial real estate		1,227	0.03			1,227	0.03
Construction		—	—			230	0.03
Residential mortgage		—	—			33	n/m
Consumer		46	n/m			117	0.01
Total	$	1,360	0.01	%	$	1,716	0.01	%

Schedule of financial effect of the modifications made to borrowers experiencing financial difficulty

	Interest Rate Reduction
	Financial Effect
	Three Months Ended June 30, 2023	Six Months Ended June 30, 2023
Commercial real estate	—	Reduced weighted-average contractual interest rate by 0.75%.
Consumer	Reduced weighted-average contractual interest rate by 12.98%.	Reduced weighted-average contractual interest rate by 13.23%.

	Term Extension
	Financial Effect
	Three Months Ended June 30, 2023	Six Months Ended June 30, 2023
Commercial and industrial	Added a weighted-average 3.6 years to the life of loans.	Added a weighted-average 3.5 years to the life of loans.
Commercial real estate	Added a weighted-average 1.0 years to the life of loans.	Added a weighted-average 1.0 years to the life of loans.
Construction	—	Added a weighted-average 2.9 years to the life of loans.
Residential mortgage	—	Added a weighted-average 5.9 years to the life of loans.
Consumer	Added a weighted-average 2.3 years to the life of loans.	Added a weighted-average 3.6 years to the life of loans.

Tabular disclosure of financing receivables to borrowers experiencing financial difficulty modified within the previous 12 months and for which there was a payment default

	Amortized Cost Basis of Modified Loans That Subsequently Defaulted(1)
	Three Months Ended June 30, 2023		Six Months Ended June 30, 2023
(dollars in thousands)	Interest Rate Reduction		Interest Rate Reduction
Consumer	$	87	$	88
Total	$	87	$	88

(1) The amortized cost basis reflects all partial paydowns and charge-offs since the modification date and do not include loans modified to borrowers experiencing financial difficulty that have been fully paid off, charged off, or foreclosed upon by the end of the period.

Schedule of aging analyses of loans modified with a borrower experiencing financial difficulty

		June 30, 2023
		Past Due
						Greater Than
						or Equal to
		30-59 Days		60-89 Days		90 Days		Total
(dollars in thousands)		Past Due		Past Due		Past Due		Past Due		Current		Total
Commercial and industrial	$	—	$	—	$	—	$	—	$	109	$	109
Commercial real estate		—		—		—		—		1,229		1,229
Construction		—		—		—		—		230		230
Residential mortgage		—		—		—		—		33		33
Consumer		34		—		33		67		755		822
Total	$	34	$	—	$	33	$	67	$	2,356	$	2,423

Schedule of Receivables, Troubled Debt Restructurings by Creditors

	Three Months Ended					Six Months Ended
	June 30, 2022					June 30, 2022
	Number of	Recorded		Related		Number of	Recorded		Related
(dollars in thousands)	Contracts(1)	Investment(2)		ACL		Contracts(1)	Investment(2)		ACL
Residential mortgage	1	$	260	$	34	1	$	260	$	34
Consumer	66		514		143	201		2,107		346
Total	67	$	774	$	177	202	$	2,367	$	380

(1) The number of contracts does not include TDRs that have been fully paid off, charged off, or foreclosed upon by the end of the period.

(2) The recorded investment balances reflect all partial paydowns and charge-offs since the modification date and do not include TDRs that have been fully paid off, charged off, or foreclosed upon by the end of the period.

Schedule of TDRs that defaulted in period within 12 months of their permanent modification date

	Three Months Ended			Six Months Ended
	June 30, 2022			June 30, 2022
	Number of	Recorded		Number of	Recorded
(dollars in thousands)	Contracts(1)	Investment(2)		Contracts(1)	Investment(2)
Commercial and industrial	2	$	541	3	$	655
Consumer	151		2,197	229		3,250
Total	153	$	2,738	232	$	3,905

(1) The number of contracts does not include TDRs that have been fully paid off, charged off, or foreclosed upon by the end of the period.

(2) The recorded investment balances reflect all partial paydowns and charge-offs since the modification date and do not include TDRs that have been fully paid off, charged off, or foreclosed upon by the end of the period.