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Loans Loans (Tables)
 9 Months Ended
Sep. 30, 2022
Receivables [Abstract]  
Loan composition
The period end loan composition was as follows:
($ in Thousands)Sep 30, 2022Dec 31, 2021
PPP$1,050 $66,070 
Asset-based lending & equipment finance(a)
380,830 178,027 
Commercial and industrial9,190,045 8,208,289 
Commercial real estate — owner occupied999,786 971,326 
Commercial and business lending10,571,711 9,423,711 
Commercial real estate — investor5,064,289 4,384,569 
Real estate construction1,835,159 1,808,976 
Commercial real estate lending6,899,449 6,193,545 
Total commercial17,471,159 15,617,256 
Residential mortgage8,314,902 7,567,310 
Auto finance1,117,136 143,045 
Home equity612,608 595,615 
Other consumer301,475 301,723 
Total consumer10,346,121 8,607,693 
Total loans$27,817,280 $24,224,949 
(a) Dec 31, 2021 does not include equipment finance.
Commercial and consumer loans by credit quality indicator he following table presents commercial and consumer loans by credit quality indicator by origination year at September 30, 2022:
Term Loans Amortized Cost Basis by Origination Year(a)
($ in Thousands)
Rev Loans Converted to Term(a)
Rev Loans Amortized Cost BasisYTD 20222021202020192018PriorTotal
PPP:(b)
Risk rating:
Pass$— $— $21 $960 $28 $— $— $— $1,009 
Potential Problem— — 40 — — — — — 40 
PPP$— $— $62 $960 $28 $— $— $— $1,050 
Asset-based lending & equipment finance:
Risk rating:
Pass$— $29,680 $202,201 $112,162 $16,349 $765 $133 $— $361,291 
Special Mention— — — — 274 — — — 274 
Potential Problem— 1,266 1,500 — 16,500 — — — 19,266 
Asset-based lending & equipment finance$— $30,946 $203,701 $112,162 $33,123 $765 $133 $— $380,830 
Commercial and industrial:
Risk rating:
Pass$488 $2,281,083 $2,283,710 $2,422,332 $593,095 $639,386 $353,799 $452,229 $9,025,634 
Special Mention— 9,329 98 14,885 4,675 — 21 30,577 59,585 
Potential Problem154 14,557 17,644 4,615 6,105 39,087 2 7,240 89,250 
Nonaccrual3,979 — 5,379 — 10,182 — — 15 15,576 
Commercial and industrial$4,621 $2,304,968 $2,306,830 $2,441,833 $614,058 $678,473 $353,821 $490,062 $9,190,045 
Commercial real estate - owner occupied:
Risk rating:
Pass$— $13,623 $179,172 $243,087 $165,701 $163,570 $88,718 $109,126 $962,997 
Special Mention— — — — 6,995 1,506 — — 8,502 
Potential Problem— 850 475 8,104 3,375 10,473 374 4,635 28,287 
Commercial real estate - owner occupied$— $14,473 $179,648 $251,191 $176,071 $175,549 $89,092 $113,761 $999,786 
Commercial and business lending:
Risk rating:
Pass$488 $2,324,387 $2,665,105 $2,778,541 $775,174 $803,720 $442,650 $561,355 $10,350,931 
Special Mention— 9,329 98 14,885 11,944 1,506 21 30,577 68,360 
Potential Problem154 16,673 19,660 12,719 25,980 49,560 376 11,875 136,843 
Nonaccrual3,979 — 5,379 — 10,182 — — 15 15,576 
Commercial and business lending$4,621 $2,350,388 $2,690,241 $2,806,146 $823,280 $854,787 $443,047 $603,822 $10,571,711 
Commercial real estate - investor:
Risk rating:
Pass$38,623 $64,392 $1,285,655 $1,568,948 $815,494 $526,134 $289,786 $261,243 $4,811,653 
Special Mention— — 43,113 24,786 8,296 20,855 — 126 97,176 
Potential Problem— — 442 44,388 19,432 25,285 19,025 9,409 117,982 
Nonaccrual— — 805 36,230 — 444 — — 37,479 
Commercial real estate - investor$38,623 $64,392 $1,330,015 $1,674,352 $843,223 $572,718 $308,811 $270,778 $5,064,289 
Real estate construction:
Risk rating:
Pass$— $26,489 $568,302 $931,799 $225,552 $21,908 $2,572 $10,321 $1,786,943 
Special Mention— — — — 12,014 36,061 — — 48,076 
Nonaccrual— — — — — — — 141 141 
Real estate construction$— $26,489 $568,302 $931,799 $237,566 $57,969 $2,572 $10,462 $1,835,159 
Term Loans Amortized Cost Basis by Origination Year(a)
($ in Thousands)
Rev Loans Converted to Term(a)
Rev Loans Amortized Cost BasisYTD 20222021202020192018PriorTotal
Commercial real estate lending:
Risk rating:
Pass$38,623 $90,882 $1,853,957 $2,500,747 $1,041,046 $548,041 $292,358 $271,564 $6,598,595 
Special Mention— — 43,113 24,786 20,310 56,916 — 126 145,251 
Potential Problem— — 442 44,388 19,432 25,285 19,025 9,409 117,982 
Nonaccrual— — 805 36,230 — 444 — 141 37,620 
Commercial real estate lending$38,623 $90,882 $1,898,317 $2,606,151 $1,080,789 $630,687 $311,383 $281,241 $6,899,449 
Total commercial:
Risk rating:
Pass$39,111 $2,415,268 $4,519,062 $5,279,288 $1,816,220 $1,351,761 $735,008 $832,919 $16,949,527 
Special Mention— 9,329 43,211 39,671 32,254 58,423 21 30,703 213,611 
Potential Problem154 16,673 20,101 57,108 45,412 74,846 19,401 21,285 254,825 
Nonaccrual3,979 — 6,183 36,230 10,182 444 — 156 53,196 
Total commercial$43,243 $2,441,270 $4,588,558 $5,412,296 $1,904,069 $1,485,474 $754,429 $885,063 $17,471,159 
Residential mortgage:
Risk rating:
Pass$— $— $1,175,995 $2,094,652 $1,750,699 $832,300 $379,935 $2,022,844 $8,256,426 
Special Mention— — — — — — — 146 146 
Potential Problem— — 324 201 — 746 626 948 2,845 
Nonaccrual— — 4,815 2,479 4,886 3,984 6,411 32,910 55,485 
Residential mortgage$— $— $1,181,134 $2,097,333 $1,755,585 $837,030 $386,972 $2,056,849 $8,314,902 
Auto finance:
Risk rating:
Pass$— $— $998,531 $114,979 $416 $1,564 $598 $103 $1,116,192 
Special Mention— — 509 132 — 1 — — 642 
Nonaccrual— — 149 128 — 18 7 — 302 
Auto finance$— $— $999,189 $115,240 $416 $1,583 $605 $103 $1,117,136 
Home equity:
Risk rating:
Pass$5,637 $502,745 $22,620 $4,873 $1,787 $6,113 $7,174 $58,873 $604,186 
Special Mention456 221 — 18 97 — — 575 912 
Potential Problem— — — — — 35 5 146 185 
Nonaccrual1,077 50 36 15 67 229 340 6,587 7,325 
Home equity$7,170 $503,016 $22,657 $4,906 $1,951 $6,377 $7,519 $66,181 $612,608 
Other consumer:
Risk rating:
Pass$97 $199,564 $6,028 $5,093 $2,469 $1,323 $227 $86,169 $300,873 
Special Mention1 466 5 21 3 8 — 1 504 
Nonaccrual8 53 — 10 8 18 — 9 98 
Other consumer$106 $200,084 $6,033 $5,124 $2,480 $1,349 $227 $86,179 $301,475 
Total consumer:
Risk rating:
Pass$5,734 $702,309 $2,203,175 $2,219,597 $1,755,371 $841,300 $387,934 $2,167,990 $10,277,677 
Special Mention458 687 513 172 100 9 — 723 2,204 
Potential Problem— — 324 201 — 781 631 1,094 3,030 
Nonaccrual1,085 103 5,001 2,632 4,961 4,249 6,758 39,506 63,210 
Total consumer$7,277 $703,100 $2,209,013 $2,222,602 $1,760,432 $846,338 $395,323 $2,209,313 $10,346,121 
Total loans:
Risk rating:
Pass$44,845 $3,117,577 $6,722,237 $7,498,885 $3,571,591 $2,193,062 $1,122,942 $3,000,909 $27,227,203 
Special Mention458 10,016 43,724 39,843 32,354 58,431 21 31,426 215,816 
Potential Problem154 16,673 20,425 57,309 45,412 75,626 20,032 22,378 257,855 
Nonaccrual5,063 103 11,184 38,861 15,143 4,693 6,758 39,662 116,406 
Total loans$50,520 $3,144,369 $6,797,570 $7,634,899 $3,664,501 $2,331,812 $1,149,753 $3,094,376 $27,817,280 
(a) Revolving loans converted to term loans are those converted during the reporting period and are also reported in their year of origination.
(b) The Corporation’s policy is to assign risk ratings at the borrower level. PPP loans are 100% guaranteed by the SBA and therefore the Corporation considers these loans to have a risk profile similar to pass rated loans.
The following table presents commercial and consumer loans by credit quality indicator by origination year at December 31, 2021:
Term Loans Amortized Cost Basis by Origination Year(a)
($ in Thousands)
Rev Loans Converted to Term(a)
Rev Loans Amortized Cost Basis20212020201920182017PriorTotal
PPP:(b)
Risk rating:
Pass$— $— $44,921 $18,610 $— $— $— $— $63,531 
Special Mention— — 212 281 — — — — 493 
Potential Problem— — 2,000 — — — — — 2,000 
Nonaccrual— — — 46 — — — — 46 
PPP$— $— $47,134 $18,936 $— $— $— $— $66,070 
Commercial and industrial:(c)
Risk rating:
Pass$2,084 $2,371,605 $2,631,753 $852,758 $986,300 $710,491 $177,568 $493,876 $8,224,351 
Special Mention— 7,068 5,900 1,695 — — — 2,811 17,474 
Potential Problem2,706 26,387 23,415 19,960 46,296 20,924 104 1,172 138,258 
Nonaccrual76 — 5,996 161 52 24 — — 6,233 
Commercial and industrial$4,867 $2,405,059 $2,667,064 $874,575 $1,032,647 $731,439 $177,671 $497,860 $8,386,316 
Commercial real estate - owner occupied:
Risk rating:
Pass$10,092 $30,869 $261,418 $178,424 $187,073 $110,169 $54,538 $117,011 $939,503 
Special Mention— 226 — 4,628 — — — 245 5,100 
Potential Problem— 526 5,953 4,721 10,047 727 2,204 2,546 26,723 
Commercial real estate - owner occupied$10,092 $31,621 $267,371 $187,773 $197,120 $110,896 $56,742 $119,802 $971,326 
Commercial and business lending:
Risk rating:
Pass$12,176 $2,402,474 $2,938,092 $1,049,792 $1,173,373 $820,660 $232,106 $610,887 $9,227,385 
Special Mention— 7,294 6,112 6,604 — — — 3,056 23,066 
Potential Problem2,706 26,913 31,368 24,681 56,343 21,651 2,307 3,718 166,981 
Nonaccrual76 — 5,996 207 52 24 — — 6,279 
Commercial and business lending$14,958 $2,436,680 $2,981,569 $1,081,284 $1,229,767 $842,335 $234,414 $617,662 $9,423,711 
Commercial real estate - investor:
Risk rating:
Pass$37,430 $105,521 $1,650,936 $685,423 $867,606 $414,079 $139,320 $230,452 $4,093,337 
Special Mention— — 57,163 27,384 33,016 72 — 6,781 124,416 
Potential Problem— — 21,309 9,860 22,243 34,591 3,564 14,573 106,138 
Nonaccrual— — 45,502 8,158 6,820 — — 197 60,677 
Commercial real estate - investor$37,430 $105,521 $1,774,910 $730,825 $929,685 $448,741 $142,883 $252,003 $4,384,569 
Real estate construction:
Risk rating:
Pass$— $31,773 $843,664 $614,469 $204,337 $48,647 $2,229 $12,212 $1,757,331 
Special Mention— — 2,203 11,929 — 15,885 41 2 30,060 
Potential Problem— — 37 120 21,251 — — — 21,408 
Nonaccrual— — — — — — — 177 177 
Real estate construction$— $31,773 $845,903 $626,518 $225,588 $64,532 $2,270 $12,392 $1,808,976 
Commercial real estate lending:
Risk rating:
Pass$37,430 $137,294 $2,494,600 $1,299,893 $1,071,943 $462,726 $141,549 $242,664 $5,850,668 
Special Mention— — 59,366 39,313 33,016 15,957 41 6,784 154,476 
Potential Problem— — 21,345 9,980 43,494 34,591 3,564 14,573 127,546 
Nonaccrual— — 45,502 8,158 6,820 — — 374 60,855 
Commercial real estate lending$37,430 $137,294 $2,620,814 $1,357,343 $1,155,273 $513,273 $145,153 $264,395 $6,193,545 
Term Loans Amortized Cost Basis by Origination Year(a)
($ in Thousands)
Rev Loans Converted to Term(a)
Rev Loans Amortized Cost Basis20212020201920182017PriorTotal
Total commercial:
Risk rating:
Pass$49,606 $2,539,768 $5,432,693 $2,349,685 $2,245,316 $1,283,386 $373,655 $853,551 $15,078,053 
Special Mention— 7,294 65,478 45,917 33,016 15,957 41 9,840 177,543 
Potential Problem2,706 26,913 52,713 34,660 99,837 56,241 5,871 18,291 294,527 
Nonaccrual76 — 51,498 8,365 6,872 24 — 374 67,134 
Total commercial$52,388 $2,573,974 $5,602,382 $2,438,627 $2,385,040 $1,355,608 $379,567 $882,057 $15,617,256 
Residential mortgage:
Risk rating:
Pass$— $— $1,771,447 $1,945,029 $974,188 $428,459 $673,447 $1,716,419 $7,508,989 
Special Mention— — — — — 285 — 461 746 
Potential Problem— — 475 332 404 265 81 658 2,214 
Nonaccrual— — 1,993 2,911 4,479 6,224 6,019 33,734 55,362 
Residential mortgage$— $— $1,773,915 $1,948,272 $979,071 $435,233 $679,547 $1,751,272 $7,567,310 
Auto finance:
Risk rating:
Pass$— $— $137,952 $707 $2,675 $1,200 $352 $107 $142,993 
Nonaccrual— — — — 36 15 — — 52 
Auto finance$— $— $137,952 $707 $2,711 $1,216 $352 $107 $143,045 
Home equity:
Risk rating:
Pass$6,728 $498,970 $1,216 $1,401 $7,640 $8,742 $7,660 $61,251 $586,880 
Special Mention133 100 — 102 4 — — 638 844 
Potential Problem6 — 6 — — 13 — 146 165 
Nonaccrual925 35 9 92 211 305 302 6,772 7,726 
Home equity$7,792 $499,104 $1,232 $1,595 $7,856 $9,059 $7,962 $68,807 $595,615 
Other consumer:
Risk rating:
Pass$443 $180,312 $9,297 $4,987 $2,884 $371 $265 $103,075 $301,191 
Special Mention7 351 — 4 — — — 7 363 
Nonaccrual6 120 — 14 7 — 19 11 170 
Other consumer$456 $180,783 $9,297 $5,005 $2,890 $371 $284 $103,093 $301,723 
Total consumer:
Risk rating:
Pass$7,171 $679,353 $1,919,912 $1,952,124 $987,387 $438,771 $681,725 $1,880,781 $8,540,053 
Special Mention140 451 — 106 4 285 — 1,106 1,952 
Potential Problem6 — 481 332 404 277 81 804 2,379 
Nonaccrual931 154 2,003 3,017 4,733 6,545 6,340 40,517 63,309 
Total consumer$8,248 $679,959 $1,922,396 $1,955,579 $992,528 $445,878 $688,145 $1,923,208 $8,607,693 
Total loans:
Risk rating:
Pass$56,777 $3,219,121 $7,352,605 $4,301,809 $3,232,703 $1,722,157 $1,055,380 $2,734,332 $23,618,106 
Special Mention140 7,745 65,478 46,023 33,021 16,241 41 10,946 179,495 
Potential Problem2,713 26,913 53,194 34,992 100,240 56,519 5,952 19,095 296,905 
Nonaccrual1,006 154 53,501 11,382 11,605 6,569 6,340 40,891 130,443 
Total loans$60,636 $3,253,933 $7,524,778 $4,394,206 $3,377,569 $1,801,486 $1,067,713 $2,805,265 $24,224,949 
(a) Revolving loans converted to term loans are those converted during the reporting period and are also reported in their year of origination.
(b) The Corporation’s policy is to assign risk ratings at the borrower level. PPP loans are 100% guaranteed by the SBA and therefore the Corporation considers these loans to have a risk profile similar to pass rated loans.
(c) Includes asset-based lending & equipment finance.
Summarized details of Loans
The following table presents loans by past due status at September 30, 2022:
Accruing
($ in Thousands)Current30-59 Days
Past Due		60-89 Days
Past Due		90+ Days
Past Due
Nonaccrual(a)(b)
Total
PPP$798 $231 $21 $— $— $1,050 
Asset-based lending & equipment finance380,830 — — — — 380,830 
Commercial and industrial9,172,739 1,505 104 121 15,576 9,190,045 
Commercial real estate - owner occupied999,786 — — — — 999,786 
Commercial and business lending10,554,153 1,736 124 121 15,576 10,571,711 
Commercial real estate - investor5,026,810 — — — 37,479 5,064,289 
Real estate construction1,834,975 43 — — 141 1,835,159 
Commercial real estate lending6,861,786 43 — — 37,620 6,899,449 
Total commercial17,415,939 1,779 124 121 53,196 17,471,159 
Residential mortgage8,252,714 6,371 146 186 55,485 8,314,902 
Auto finance1,110,628 5,564 642 — 302 1,117,136 
Home equity601,049 3,322 912 — 7,325 612,608 
Other consumer298,675 995 596 1,111 98 301,475 
Total consumer10,263,065 16,252 2,296 1,297 63,210 10,346,121 
Total loans$27,679,004 $18,032 $2,421 $1,417 $116,406 $27,817,280 
(a) Of the total nonaccrual loans, $72 million, or 62%, were current with respect to payment at September 30, 2022.
(b) No interest income was recognized on nonaccrual loans for the three and nine months ended September 30, 2022. In addition, there were $21 million of nonaccrual loans for which there was no related ACLL at September 30, 2022.
The following table presents loans by past due status at December 31, 2021:
Accruing
($ in Thousands)Current30-59 Days
Past Due		60-89 Days
Past Due		90+ Days 
Past Due
Nonaccrual(a)(b)
Total
PPP$65,941 $40 $43 $— $46 $66,070 
Asset-based lending178,027 — — — — 178,027 
Commercial and industrial(c)
8,201,272 579 54 151 6,233 8,208,289 
Commercial real estate - owner occupied971,163 163 — — — 971,326 
Commercial and business lending9,416,403 781 97 151 6,279 9,423,711 
Commercial real estate - investor4,323,276 142 474 — 60,677 4,384,569 
Real estate construction1,807,178 1,618 2 — 177 1,808,976 
Commercial real estate lending6,130,454 1,759 477 — 60,855 6,193,545 
Total commercial15,546,857 2,541 573 151 67,134 15,617,256 
Residential mortgage7,505,654 5,500 669 126 55,362 7,567,310 
Auto finance142,982 11 — — 52 143,045 
Home equity584,177 2,867 844 — 7,726 595,615 
Other consumer298,261 1,835 472 986 170 301,723 
Total consumer8,531,074 10,213 1,985 1,111 63,309 8,607,693 
Total loans$24,077,931 $12,754 $2,558 $1,263 $130,443 $24,224,949 
(a) Of the total nonaccrual loans, $84 million, or 65%, were current with respect to payment at December 31, 2021.
(b) No interest income was recognized on nonaccrual loans for the year ended December 31, 2021. In addition, there were $9 million of nonaccrual loans for which there was no related ACLL at December 31, 2021.
(c) Includes equipment finance.
Nonaccrual and performing restructured loans The following table presents nonaccrual and performing restructured loans by loan portfolio:
 Sep 30, 2022Dec 31, 2021
 ($ in Thousands)Performing
Restructured
Loans
Nonaccrual
Restructured
Loans(a)
Performing
Restructured
Loans
Nonaccrual
Restructured
Loans(a)
Commercial and industrial$14,829 $— $8,687 $— 
Commercial real estate — owner occupied369 — 967 — 
Commercial real estate — investor733 3,268 12,866 3,093 
Real estate construction165 42 242 45 
Residential mortgage16,169 17,372 16,316 13,483 
Home equity2,103 967 2,648 806 
Other consumer764 — 803 — 
   Total restructured loans$35,132 $21,650 $42,530 $17,426 
(a) Nonaccrual restructured loans have been included within nonaccrual loans.
Summary of restructured loans The following table provides the number of loans modified in a TDR by loan portfolio, the recorded investment, and unpaid principal balance for the nine months ended September 30, 2022 and 2021:
 Nine Months Ended September 30, 2022Nine Months Ended September 30, 2021
 ($ in Thousands)Number
of
Loans
Recorded
Investment(a)
Unpaid
Principal
Balance(b)
Number
of
Loans
Recorded
Investment(a)
Unpaid
Principal
Balance(b)
Commercial and industrial2 $265 $265 4 $638 $638 
Commercial real estate — investor1 547 573 4 1,682 1,682 
Residential mortgage44 9,641 9,833 55 10,434 10,460 
Home equity12 390 412 7 916 963 
   Total loans modified 59 $10,844 $11,083 70 $13,670 $13,744 
(a) Represents post-modification outstanding recorded investment.
(b) Represents pre-modification outstanding recorded investment.
Troubled debt restructurings subsequent redefault The following table provides the number of loans modified in a TDR during the previous twelve months which subsequently defaulted during the nine months ended September 30, 2022 and 2021, and the recorded investment in these restructured loans as of September 30, 2022 and 2021:
 Nine Months Ended September 30, 2022Nine Months Ended September 30, 2021
 ($ in Thousands)Number of
Loans		Recorded
Investment		Number of
Loans		Recorded
Investment
Residential mortgage4 $1,178 2 $200 
Changes in the allowance for loan losses by portfolio segment The following table presents a summary of the changes in the ACLL by portfolio segment for the nine months ended September 30, 2022:
($ in Thousands)Dec 31, 2021Charge offsRecoveriesNet Charge offsProvision for credit lossesSep 30, 2022ACLL / Loans
Allowance for loan losses
PPP$51 $— $— $— $(50)$1 
Asset-based lending & equipment finance4,182 — — — 1,406 5,588 
Commercial and industrial85,624 (3,644)4,157 512 16,107 102,243 
Commercial real estate — owner occupied11,473 — 10 10 (2,852)8,631 
Commercial and business lending101,330 (3,644)4,167 523 14,611 116,464 
Commercial real estate — investor72,803 — — — (12,032)60,771 
Real estate construction37,643 (48)90 43 (1,266)36,419 
Commercial real estate lending110,446 (48)90 43 (13,299)97,190 
Total commercial211,776 (3,692)4,258 565 1,313 213,654 
Residential mortgage40,787 (287)752 465 (2,345)38,907 
Auto finance1,999 (228)53 (175)13,917 15,741 
Home equity14,011 (524)1,199 675 (601)14,086 
Other consumer11,441 (2,434)792 (1,642)716 10,516 
Total consumer68,239 (3,472)2,796 (676)11,687 79,250 
Total loans$280,015 $(7,165)$7,054 $(111)$13,000 $292,904 
Allowance for unfunded commitments
Asset-based lending & equipment finance$857 $— $— $— $184 $1,042 
Commercial and industrial17,601 — — — 4 17,606 
Commercial real estate — owner occupied208 — — — (119)89 
Commercial and business lending18,667 — — — 70 18,737 
Commercial real estate — investor936 — — — (303)633 
Real estate construction15,586 — — — 552 16,138 
Commercial real estate lending16,522 — — — 249 16,771 
Total commercial35,189 — — — 319 35,508 
Home equity2,592 — — — — 2,592 
Other consumer1,995 — — — (319)1,675 
Total consumer4,587 — — — (319)4,268 
Total loans$39,776 $— $— $— $— $39,776 
Allowance for credit losses on loans
PPP$51 $— $— $— $(50)$1 0.10 %
Asset-based lending & equipment finance5,040 — — — 1,590 6,630 1.74 %
Commercial and industrial103,225 (3,644)4,157 512 16,112 119,849 1.30 %
Commercial real estate — owner occupied11,681 — 10 10 (2,971)8,721 0.87 %
Commercial and business lending119,997 (3,644)4,167 523 14,681 135,200 1.28 %
Commercial real estate — investor73,739 — — — (12,335)61,404 1.21 %
Real estate construction53,229 (48)90 43 (714)52,557 2.86 %
Commercial real estate lending126,968 (48)90 43 (13,049)113,961 1.65 %
Total commercial246,965 (3,692)4,258 565 1,632 249,162 1.43 %
Residential mortgage40,787 (287)752 465 (2,345)38,907 0.47 %
Auto finance1,999 (228)53 (175)13,917 15,741 1.41 %
Home equity16,603 (524)1,199 675 (600)16,678 2.72 %
Other consumer13,436 (2,434)792 (1,642)397 12,191 4.04 %
Total consumer72,825 (3,472)2,796 (676)11,368 83,517 0.81 %
Total loans$319,791 $(7,165)$7,054 $(111)$13,000 $332,680 1.20 %
The following table presents a summary of the changes in the ACLL by portfolio segment for the year ended December 31, 2021:
($ in Thousands)Dec 31, 2020Charge offsRecoveriesNet Charge offsProvision for credit lossesDec 31, 2021ACLL / Loans
Allowance for loan losses
PPP$531 $— $— $— $(480)$51 
Asset-based lending2,077 — 412 412 1,693 4,182 
Commercial and industrial(a)
140,716 (21,564)8,152 (13,412)(41,680)85,624 
Commercial real estate — owner occupied11,274 — 120 120 80 11,473 
Commercial and business lending154,598 (21,564)8,684 (12,880)(40,388)101,330 
Commercial real estate — investor93,435 (14,346)3,162 (11,184)(9,448)72,803 
Real estate construction59,193 (5)126 121 (21,672)37,643 
Commercial real estate lending152,629 (14,351)3,288 (11,063)(31,120)110,446 
Total commercial307,226 (35,915)11,972 (23,943)(71,508)211,776 
Residential mortgage42,996 (880)841 (38)(2,170)40,787 
Auto finance174 (22)31 9 1,816 1,999 
Home equity18,849 (668)2,854 2,186 (7,024)14,011 
Other consumer14,456 (3,168)1,267 (1,901)(1,113)11,441 
Total consumer76,475 (4,738)4,993 256 (8,492)68,239 
Total loans$383,702 $(40,652)$16,965 $(23,687)$(80,000)$280,015 
Allowance for unfunded commitments
Asset-based lending$901 $— $— $— $(43)$857 
Commercial and industrial(a)
21,411 — — — (3,809)17,601 
Commercial real estate — owner occupied266 — — — (58)208 
Commercial and business lending22,577 — — — (3,911)18,667 
Commercial real estate — investor636 — — — 300 936 
Real estate construction18,887 — — — (3,301)15,586 
Commercial real estate lending19,523 — — — (3,001)16,522 
Total commercial42,101 — — — (6,912)35,189 
Home equity3,118 — — — (526)2,592 
Other consumer2,557 — — — (563)1,995 
Total consumer5,675 — — — (1,088)4,587 
Total loans$47,776 $— $— $— $(8,000)$39,776 
Allowance for credit losses on loans
PPP$531 $— $— $— $(480)$51 0.08 %
Asset-based lending2,978 — 412 412 1,649 5,040 2.83 %
Commercial and industrial(a)
162,126 (21,564)8,152 (13,412)(45,490)103,225 1.26 %
Commercial real estate — owner occupied11,539 — 120 120 22 11,681 1.20 %
Commercial and business lending177,175 (21,564)8,684 (12,880)(44,299)119,997 1.27 %
Commercial real estate — investor94,071 (14,346)3,162 (11,184)(9,148)73,739 1.68 %
Real estate construction78,080 (5)126 121 (24,972)53,229 2.94 %
Commercial real estate lending172,152 (14,351)3,288 (11,063)(34,121)126,968 2.05 %
Total commercial349,327 (35,915)11,972 (23,943)(78,419)246,965 1.58 %
Residential mortgage42,996 (880)841 (38)(2,170)40,787 0.54 %
Auto finance174 (22)31 9 1,816 1,999 1.40 %
Home equity21,967 (668)2,854 2,186 (7,550)16,603 2.79 %
Other consumer17,013 (3,168)1,267 (1,901)(1,676)13,436 4.45 %
Total consumer82,150 (4,738)4,993 256 (9,581)72,825 0.85 %
Total loans$431,478 $(40,652)$16,965 $(23,687)$(88,000)$319,791 1.32 %
(a) Includes equipment finance.