Allowance for Credit and Loan Losses (Tables)

9 Months Ended

Sep. 30, 2020

Receivables [Abstract]

Allowance for Loan Losses

The following tables represent, by loan portfolio segment, a summary of changes in the ACL on loans for the three months ended September 30, 2020 and 2019:

	Three Months Ended September 30, 2020
	Commercial		Real Estate		Mortgage Warehouse		Consumer		Total
Balance, beginning of period	$	39,147	$	5,832	$	1,190	$	8,921	$	55,090
Provision for credit losses on loans	1,136		(232)		60		1,088		2,052
Charge–offs	(502)		(144)		—		(510)		(1,156)
Recoveries	14		8		—		311		333
Balance, end of period	$	39,795	$	5,464	$	1,250	$	9,810	$	56,319

	Three Months Ended September 30, 2019
	Commercial		Real Estate		Mortgage Warehouse		Consumer		Total
Balance, beginning of period	$	11,881	$	1,732	$	1,040	$	3,652	$	18,305
Provision for credit losses on loans	393		(290)		1		272		376
Charge–offs	(224)		—		—		(758)		(982)
Recoveries	32		7		—		218		257
Balance, end of period	$	12,082	$	1,449	$	1,041	$	3,384	$	17,956

The following tables represent, by loan portfolio segment, a summary of changes in the ACL on loans for the nine months ended September 30, 2020 and 2019:

	Nine Months Ended September 30, 2020
	Commercial		Real Estate		Mortgage Warehouse		Consumer		Total
Balance, beginning of period	$	11,996	$	923	$	1,077	$	3,671	$	17,667
Impact of adopting ASC 326	10,832		4,048		—		4,911		19,791
Initial PCD allowance	2,786		—		—		—		2,786
Provision for credit losses on loans	14,655		670		173		2,211		17,709
Charge–offs	(586)		(204)		—		(1,654)		(2,444)
Recoveries	112		27		—		671		810
Balance, end of period	$	39,795	$	5,464	$	1,250	$	9,810	$	56,319

	Nine Months Ended September 30, 2019
	Commercial		Real Estate		Mortgage Warehouse		Consumer		Total
Balance, beginning of period	$	10,495	$	1,676	$	1,006	$	4,643	$	17,820
Provision for credit losses on loans	2,105		(220)		35		(284)		1,636
Charge–offs	(640)		(48)		—		(1,669)		(2,357)
Recoveries	122		41		—		694		857
Balance, end of period	$	12,082	$	1,449	$	1,041	$	3,384	$	17,956

Allowance for Loan Losses and Recorded Investment in Loans by Portfolio Segment

The following table presents the balance in the allowance for credit loss and the recorded investment in loans, by portfolio segment, and based on impairment analysis as of December 31, 2019:

	December 31, 2019
	Commercial		Real Estate		Mortgage Warehousing		Consumer		Total
Allowance For Loan Losses
Ending allowance balance attributable to loans:
Individually evaluated for impairment	$	541	$	—	$	—	$	—	$	541
Collectively evaluated for impairment	11,455		923		1,077		3,671		17,126
Loans acquired with deteriorated credit quality	—		—		—		—		—
Total ending allowance balance	$	11,996	$	923	$	1,077	$	3,671	$	17,667
Loans:
Individually evaluated for impairment	$	7,347	$	—	$	—	$	—	$	7,347
Collectively evaluated for impairment	2,040,299		770,705		150,293		665,952		3,627,249
Loans acquired with deteriorated credit quality	—		—		—		—		—
Total ending loans balance	$	2,047,646	$	770,705	$	150,293	$	665,952	$	3,634,596