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Loans Loans (Tables)
 3 Months Ended
Mar. 31, 2025
Receivables [Abstract]  
Schedule of Accounts, Notes, Loans and Financing Receivable [Table Text Block]
The period end loan composition was as follows:
($ in thousands)Mar 31, 2025Dec 31, 2024
Commercial and industrial$10,925,769 $10,573,741 
Commercial real estate — owner occupied1,118,363 1,143,741 
Commercial and business lending12,044,132 11,717,483 
Commercial real estate — investor5,597,442 5,227,975 
Real estate construction1,809,054 1,982,632 
Commercial real estate lending7,406,496 7,210,607 
Total commercial19,450,628 18,928,090 
Residential mortgage6,999,654 7,047,541 
Auto finance2,878,765 2,810,220 
Home equity654,140 664,252 
Other consumer310,940 318,483 
Total consumer10,843,499 10,840,496 
Total loans$30,294,127 $29,768,586 
Financing Receivable Credit Quality Indicators [Table Text Block]
The following table presents loans by credit quality indicator by origination year at March 31, 2025:
Term Loans Amortized Cost Basis by Origination Year(a)
($ in thousands)
Rev Loans Converted to Term(a)
Rev Loans Amortized Cost BasisYTD 20252024202320222021PriorTotal
Commercial and industrial:
Risk rating:
Pass$13 $1,810,270 $741,400 $2,661,841 $1,404,585 $2,154,397 $972,686 $691,512 $10,436,691 
Special mention— 46,602 258 1,926 17,018 10,387 6,166 648 83,005 
Substandard244 47,259 1,960 92,529 12,749 109,187 125,745 3,747 393,175 
Nonaccrual— 2,421 2,687 513 2,758 4,518 — — 12,898 
Commercial and industrial$257 $1,906,552 $746,305 $2,756,810 $1,437,110 $2,278,488 $1,104,596 $695,906 $10,925,769 
Commercial real estate - owner occupied:
Risk rating:
Pass$— $8,905 $19,558 $233,212 $166,985 $174,165 $186,337 $269,638 $1,058,800 
Special mention— — — 7,418 5,572 — 3,173 10,241 26,403 
Substandard— 584 548 2,678 8,713 1,724 8,078 9,334 31,658 
Nonaccrual— — — — 1,501 — — — 1,501 
Commercial real estate - owner occupied$— $9,489 $20,106 $243,308 $182,772 $175,889 $197,588 $289,213 $1,118,363 
Commercial and business lending:
Risk rating:
Pass$13 $1,819,174 $760,958 $2,895,053 $1,571,570 $2,328,562 $1,159,023 $961,150 $11,495,492 
Special mention— 46,602 258 9,344 22,590 10,387 9,339 10,889 109,408 
Substandard244 47,843 2,507 95,207 21,462 110,911 133,822 13,080 424,833 
Nonaccrual— 2,421 2,687 513 4,260 4,518 — — 14,399 
Commercial and business lending$257 $1,916,041 $766,411 $3,000,118 $1,619,882 $2,454,377 $1,302,184 $985,119 $12,044,132 
Commercial real estate - investor:
Risk rating:
Pass$7,272 $174,673 $502,372 $1,302,707 $681,873 $1,155,646 $773,972 $660,761 $5,252,003 
Special mention— — — 66,586 13,597 53,058 10,818 4,445 148,504 
Substandard— — 38,980 10,102 38,273 63,367 2,448 12,075 165,246 
Nonaccrual— — 632 31,057 — — — — 31,689 
Commercial real estate - investor$7,272 $174,673 $541,984 $1,410,452 $733,743 $1,272,071 $787,238 $677,281 $5,597,442 
Real estate construction:
Risk rating:
Pass$— $32,516 $30,028 $337,291 $347,839 $683,699 $32,876 $8,597 $1,472,845 
Special mention— — — — 38,773 150,418 — — 189,190 
Substandard— — 26,742 34,746 6,000 79,406 — — 146,894 
Nonaccrual— — — — — — — 125 125 
Real estate construction$— $32,516 $56,770 $372,037 $392,611 $913,523 $32,876 $8,722 $1,809,054 
Commercial real estate lending:
Risk rating:
Pass$7,272 $207,188 $532,401 $1,639,997 $1,029,712 $1,839,345 $806,848 $669,357 $6,724,849 
Special mention— — — 66,586 52,370 203,476 10,818 4,445 337,694 
Substandard— — 65,722 44,849 44,273 142,773 2,448 12,075 312,139 
Nonaccrual— — 632 31,057 — — — 125 31,814 
Commercial real estate lending$7,272 $207,188 $598,754 $1,782,489 $1,126,354 $2,185,594 $820,114 $686,003 $7,406,496 
Total commercial:
Risk rating:
Pass$7,284 $2,026,363 $1,293,359 $4,535,051 $2,601,282 $4,167,907 $1,965,871 $1,630,508 $18,220,340 
Special mention— 46,602 258 75,930 74,960 213,863 20,156 15,334 447,102 
Substandard244 47,843 68,229 140,056 65,735 253,684 136,271 25,155 736,973 
Nonaccrual— 2,421 3,319 31,570 4,260 4,518 — 125 46,213 
Total commercial$7,529 $2,123,229 $1,365,165 $4,782,607 $2,746,237 $4,639,971 $2,122,298 $1,671,122 $19,450,628 
Term Loans Amortized Cost Basis by Origination Year(a)
($ in thousands)
Rev Loans Converted to Term(a)
Rev Loans Amortized Cost BasisYTD 20252024202320222021PriorTotal
Residential mortgage:
Risk rating:
Pass$— $— $29,142 $193,701 $521,630 $1,580,850 $1,599,160 $3,002,070 $6,926,554 
Special mention— — — — — — — 311 311 
Substandard— — — — — — 311 23 334 
Nonaccrual— — 1,218 2,265 2,884 13,458 8,968 43,663 72,455 
Residential mortgage$— $— $30,360 $195,966 $524,514 $1,594,308 $1,608,438 $3,046,067 $6,999,654 
Auto finance:
Risk rating:
Pass$— $— $338,542 $1,134,816 $774,547 $578,739 $42,699 $67 $2,869,409 
Special mention— — — 303 563 723 45 29 1,664 
Nonaccrual— — — 971 2,493 3,668 559 — 7,692 
Auto finance$— $— $338,542 $1,136,091 $777,604 $583,129 $43,303 $96 $2,878,765 
Home equity:
Risk rating:
Pass$3,703 $560,336 $62 $966 $2,299 $24,329 $5,245 $51,853 $645,089 
Special mention91 — — — 100 147 100 430 777 
Nonaccrual64 223 — 56 176 949 224 6,647 8,275 
Home equity$3,858 $560,559 $62 $1,022 $2,576 $25,425 $5,568 $58,929 $654,140 
Other consumer:
Risk rating:
Pass$593 $237,926 $3,288 $11,337 $3,654 $1,927 $721 $48,528 $307,380 
Special mention1 974 — 19 — 5 4 3 1,004 
Substandard— 2,383 — — — — — — 2,383 
Nonaccrual— 122 — 7 20 — 22 2 173 
Other consumer$594 $241,405 $3,288 $11,362 $3,673 $1,932 $746 $48,533 $310,940 
Total consumer:
Risk rating:
Pass$4,296 $798,261 $371,034 $1,340,820 $1,302,130 $2,185,845 $1,647,824 $3,102,517 $10,748,431 
Special mention91 974 — 322 664 875 148 773 3,755 
Substandard— 2,383 — — — — 311 23 2,718 
Nonaccrual64 345 1,218 3,299 5,573 18,075 9,773 50,312 88,595 
Total consumer$4,452 $801,963 $372,253 $1,344,440 $1,308,367 $2,204,794 $1,658,056 $3,153,626 $10,843,499 
Total loans:
Risk rating:
Pass$11,580 $2,824,624 $1,664,393 $5,875,870 $3,903,412 $6,353,752 $3,613,695 $4,733,025 $28,968,772 
Special mention91 47,576 258 76,252 75,624 214,738 20,304 16,107 450,858 
Substandard244 50,227 68,229 140,056 65,735 253,684 136,581 25,179 739,690 
Nonaccrual64 2,766 4,537 34,869 9,833 22,592 9,773 50,437 134,808 
Total loans$11,981 $2,925,192 $1,737,417 $6,127,047 $4,054,604 $6,844,765 $3,780,353 $4,824,748 $30,294,127 
(a) Revolving loans converted to term loans are those converted during the reporting period and are also reported in their year of origination.
The following table presents loans by credit quality indicator by origination year at December 31, 2024:
Term Loans Amortized Cost Basis by Origination Year(a)
($ in thousands)
Rev Loans Converted to Term(a)
Rev Loans Amortized Cost Basis20242023202220212020PriorTotal
Commercial and industrial:
Risk rating:
Pass$248 $1,841,790 $2,656,953 $1,514,277 $2,254,758 $1,080,180 $263,286 $510,301 $10,121,545 
Special mention— 48,829 4,037 4,810 63,390 6,984 515 48 128,613 
Substandard2,015 40,240 90,240 9,677 34,730 126,134 3,347 131 304,500 
Nonaccrual42 — 772 4,468 12,988 855 — — 19,084 
Commercial and industrial$2,306 $1,930,860 $2,752,002 $1,533,233 $2,365,866 $1,214,154 $267,148 $510,480 $10,573,741 
Commercial real estate - owner occupied:
Risk rating:
Pass$— $13,760 $228,913 $175,059 $180,132 $214,237 $114,064 $181,982 $1,108,147 
Special mention— — — 497 — 8,619 — 2,803 11,920 
Substandard— 943 2,532 10,009 1,492 701 3,371 3,125 22,173 
Nonaccrual— — — 1,501 — — — — 1,501 
Commercial real estate - owner occupied$— $14,703 $231,446 $187,066 $181,625 $223,557 $117,435 $187,911 $1,143,741 
Commercial and business lending:
Risk rating:
Pass$248 $1,855,550 $2,885,866 $1,689,336 $2,434,891 $1,294,416 $377,350 $692,283 $11,229,693 
Special mention— 48,829 4,037 5,307 63,390 15,604 515 2,852 140,532 
Substandard2,015 41,183 92,772 19,686 36,222 126,835 6,719 3,255 326,673 
Nonaccrual42 — 772 5,969 12,988 855 — — 20,585 
Commercial and business lending$2,306 $1,945,563 $2,983,447 $1,720,298 $2,547,491 $1,437,710 $384,583 $698,390 $11,717,483 
Commercial real estate - investor:
Risk rating:
Pass$— $190,451 $1,334,740 $725,652 $1,179,867 $723,994 $321,084 $363,288 $4,839,076 
Special mention— — 69,014 6,385 30,672 12,312 6,870 10,366 135,618 
Substandard— — 69,385 53,022 93,151 10,724 384 9,910 236,576 
Nonaccrual— — 11,949 — — 4,757 — — 16,705 
Commercial real estate - investor$— $190,451 $1,485,088 $785,058 $1,303,690 $751,786 $328,338 $383,563 $5,227,975 
Real estate construction:
Risk rating:
Pass$— $30,090 $278,754 $390,845 $807,347 $142,137 $25,654 $7,260 $1,682,086 
Special mention— — 19,419 — 96,442 — — — 115,862 
Substandard— — 28,241 6,000 105,660 44,754 — — 184,654 
Nonaccrual— — — — — — — 30 30 
Real estate construction$— $30,090 $326,414 $396,845 $1,009,450 $186,890 $25,654 $7,289 $1,982,632 
Commercial real estate lending:
Risk rating:
Pass$— $220,541 $1,613,494 $1,116,496 $1,987,215 $866,130 $346,738 $370,548 $6,521,163 
Special mention— — 88,433 6,385 127,114 12,312 6,870 10,366 251,480 
Substandard— — 97,626 59,022 198,811 55,477 384 9,910 421,230 
Nonaccrual— — 11,949 — — 4,757 — 30 16,735 
Commercial real estate lending$— $220,541 $1,811,502 $1,181,903 $2,313,140 $938,677 $353,992 $390,853 $7,210,607 
Term Loans Amortized Cost Basis by Origination Year(a)
($ in thousands)
Rev Loans Converted to Term(a)
Rev Loans Amortized Cost Basis20242023202220212020PriorTotal
Total commercial:
Risk rating:
Pass$248 $2,076,092 $4,499,360 $2,805,832 $4,422,105 $2,160,547 $724,088 $1,062,831 $17,750,855 
Special mention— 48,829 92,469 11,692 190,504 27,916 7,385 13,217 392,012 
Substandard2,015 41,183 190,399 78,708 235,033 182,313 7,103 13,165 747,903 
Nonaccrual42 — 12,721 5,969 12,988 5,612 — 30 37,320 
Total commercial$2,306 $2,166,104 $4,794,949 $2,902,201 $4,860,631 $2,376,387 $738,576 $1,089,243 $18,928,090 
Residential mortgage:
Risk rating:
Pass$— $— $172,607 $507,186 $1,579,182 $1,643,341 $1,195,752 $1,878,251 $6,976,319 
Special mention— — — — — — — 162 162 
Substandard— — 594 327 77 — — 24 1,022 
Nonaccrual— — 2,338 2,134 11,420 10,141 8,297 35,708 70,038 
Residential mortgage$— $— $175,539 $509,647 $1,590,679 $1,653,482 $1,204,049 $1,914,144 $7,047,541 
Auto finance:
Risk rating:
Pass$— $— $1,241,609 $858,924 $650,880 $48,999 $67 $77 $2,800,555 
Special mention— — 332 704 1,048 178 — — 2,262 
Nonaccrual— — 491 2,162 4,284 466 — — 7,402 
Auto finance$— $— $1,242,431 $861,790 $656,212 $49,643 $67 $77 $2,810,220 
Home equity:
Risk rating:
Pass$8,764 $569,866 $411 $1,684 $25,372 $5,289 $1,965 $50,841 $655,429 
Special mention127 81 41 — — — — 323 445 
Nonaccrual1,677 104 15 103 933 231 215 6,778 8,378 
Home equity$10,568 $570,051 $467 $1,788 $26,305 $5,520 $2,180 $57,941 $664,252 
Other consumer:
Risk rating:
Pass$308 $241,230 $14,343 $4,808 $2,475 $1,440 $584 $49,886 $314,767 
Special mention— 1,125 8 — 36 7 — — 1,176 
Substandard— 2,418 — — — — — — 2,418 
Nonaccrual2 81 5 21 7 4 — 4 122 
Other consumer$310 $244,855 $14,356 $4,829 $2,518 $1,451 $584 $49,891 $318,483 
Total consumer:
Risk rating:
Pass$9,071 $811,096 $1,428,969 $1,372,603 $2,257,910 $1,699,069 $1,198,368 $1,979,055 $10,747,070 
Special mention127 1,207 381 704 1,083 185 — 484 4,045 
Substandard— 2,418 594 327 77 — — 24 3,440 
Nonaccrual1,679 185 2,849 4,420 16,644 10,842 8,512 42,490 85,941 
Total consumer$10,878 $814,906 $1,432,794 $1,378,053 $2,275,714 $1,710,096 $1,206,880 $2,022,053 $10,840,496 
Total loans:
Risk rating:
Pass$9,320 $2,887,188 $5,928,329 $4,178,435 $6,680,015 $3,859,616 $1,922,456 $3,041,886 $28,497,925 
Special mention127 50,036 92,851 12,396 191,587 28,101 7,385 13,701 396,057 
Substandard2,015 43,602 190,993 79,035 235,110 182,313 7,103 13,189 751,344 
Nonaccrual1,721 185 15,570 10,389 29,632 16,453 8,512 42,519 123,260 
Total loans$13,183 $2,981,010 $6,227,743 $4,280,254 $7,136,344 $4,086,483 $1,945,455 $3,111,296 $29,768,586 
(a) Revolving loans converted to term loans are those converted during the reporting period and are also reported in their year of origination.
The following table presents gross charge offs by origination year for the three months ended March 31, 2025:
Gross Charge Offs by Origination Year
($ in thousands)Rev Loans Amortized Cost Basis20252024202320222021PriorTotal
Commercial and industrial$1,183 $— $471 $1,963 $3,696 $379 $— $7,692 
Commercial real estate-owner occupied— — — — — — — — 
Commercial and business lending1,183 — 471 1,963 3,696 379 — 7,692 
Commercial real estate-investor— — 892 — — — — 892 
Real estate construction— — — — — — — — 
Commercial real estate lending— — 892 — — — — 892 
Total commercial1,183 — 1,364 1,963 3,696 379 — 8,585 
Residential mortgage— — — 26 190 — 24 239 
Auto finance— — 383 910 941 95 — 2,330 
Home equity— — — 26 — 5 29 61 
Other consumer2,256 — — 13 7 213 12 2,500 
Total consumer2,256 — 383 975 1,138 313 65 5,130 
Total gross charge offs$3,439 $— $1,747 $2,938 $4,834 $692 $65 $13,714 
The following table presents gross charge offs by origination year for the year ended December 31, 2024:
Gross Charge Offs by Origination Year
($ in thousands)Rev Loans Amortized Cost Basis20242023202220212020PriorTotal
Commercial and industrial$4,433 $128 $11,484 $8,510 $22,959 $3 $— $47,517 
Commercial real estate-owner occupied— — — — — — 3 3 
Commercial and business lending4,433 128 11,484 8,510 22,959 3 3 47,520 
Commercial real estate-investor— 6,617 1 — 4,569 — — 11,187 
Real estate construction— — — — — — — — 
Commercial real estate lending— 6,617 1 — 4,569 — — 11,187 
Total commercial4,433 6,745 11,485 8,510 27,528 3 3 58,707 
Residential mortgage— — 134 125 101 153 515 1,029 
Auto finance— 418 2,982 5,582 560 — — 9,541 
Home equity93 — — 9 19 10 85 216 
Other consumer6,555 20 96 75 75 42 59 6,922 
Total consumer6,649 438 3,212 5,790 755 205 659 17,709 
Total gross charge offs$11,082 $7,183 $14,697 $14,300 $28,283 $209 $662 $76,415 
Financing Receivable, Past Due [Table Text Block]
The following table presents loans by past due status at March 31, 2025:
Accruing
($ in thousands)Current30-59 Days
Past Due		60-89 Days
Past Due		90+ Days
Past Due
Nonaccrual(a)(b)
Total
Commercial and industrial$10,904,616 $6,934 $806 $515 $12,898 $10,925,769 
Commercial real estate - owner occupied1,115,706 1,156 — — 1,501 1,118,363 
Commercial and business lending12,020,322 8,090 806 515 14,399 12,044,132 
Commercial real estate - investor5,563,289 2,463 — — 31,689 5,597,442 
Real estate construction1,808,929 — — — 125 1,809,054 
Commercial real estate lending7,372,218 2,463 — — 31,814 7,406,496 
Total commercial19,392,540 10,553 806 515 46,213 19,450,628 
Residential mortgage6,913,632 13,257 311 — 72,455 6,999,654 
Auto finance2,858,551 10,858 1,664 — 7,692 2,878,765 
Home equity642,260 2,829 777 — 8,275 654,140 
Other consumer305,865 1,330 1,050 2,521 173 310,940 
Total consumer10,720,308 28,274 3,802 2,521 88,595 10,843,499 
Total loans$30,112,848 $38,827 $4,608 $3,036 $134,808 $30,294,127 
(a) Of the total nonaccrual loans, $44 million, or 32%, were current with respect to payment at March 31, 2025.
(b) No interest income was recognized on nonaccrual loans for the three months ended March 31, 2025. In addition, there were $23 million of nonaccrual loans for which there was no related ACLL at March 31, 2025.

The following table presents loans by past due status at December 31, 2024:
Accruing
($ in thousands)Current30-59 Days
Past Due		60-89 Days
Past Due		90+ Days 
Past Due
Nonaccrual(a)(b)
Total
Commercial and industrial$10,552,756 $899 $361 $642 $19,084 $10,573,741 
Commercial real estate - owner occupied1,140,607 1,533 101 — 1,501 1,143,741 
Commercial and business lending11,693,363 2,432 462 642 20,585 11,717,483 
Commercial real estate - investor5,174,879 5,117 31,274 — 16,705 5,227,975 
Real estate construction1,982,581 21 — — 30 1,982,632 
Commercial real estate lending7,157,460 5,138 31,274 — 16,735 7,210,607 
Total commercial18,850,823 7,570 31,736 642 37,320 18,928,090 
Residential mortgage6,962,610 14,731 162 — 70,038 7,047,541 
Auto finance2,787,967 12,588 2,262 — 7,402 2,810,220 
Home equity651,248 4,181 445 — 8,378 664,252 
Other consumer312,687 1,892 1,236 2,547 122 318,483 
Total consumer10,714,512 33,391 4,105 2,547 85,941 10,840,496 
Total loans$29,565,335 $40,961 $35,841 $3,189 $123,260 $29,768,586 
(a) Of the total nonaccrual loans, $52 million, or 42%, were current with respect to payment at December 31, 2024.
(b) No interest income was recognized on nonaccrual loans for the year ended December 31, 2024. In addition, there were $24 million of nonaccrual loans for which there was no related ACLL at December 31, 2024.
Financing Receivable, Modified [Table Text Block]
The following tables show the composition of loan modifications made to borrowers experiencing financial difficulty by the loan portfolio and type of concessions granted. Each of the types of concessions granted comprised less than 1% of their respective classes of loan portfolios at March 31, 2025.
Interest Rate Concession
Amortized Cost
Three Months Ended Mar 31,
($ in thousands)20252024
Commercial and industrial$176 $159 
Auto finance— 46 
Other consumer887 534 
Total loans modified$1,063 $739 
Combination - Interest Rate Concession and Term Extension
Amortized Cost
Three Months Ended Mar 31,
($ in thousands)20252024
Residential mortgage$1,644 $643 
Home equity61 31 
Total loans modified$1,704 $674 
The following tables summarize, by loan portfolio, the financial effect of the Corporation's loan modifications on the modified loans.
Interest Rate Concession
Financial Effect, Weighted Average Contractual Interest Rate (Decrease) Increase(a)
Three Months Ended Mar 31,
Loan Type20252024
Commercial and industrial(25)%(16)%
Residential mortgage1 %3 %
Auto finance— %(9)%
Home equity(4)%(3)%
Other consumer(21)%(21)%
Weighted average of total loans modified(8)%(9)%
(a) Some interest rate concessions may involve an increase in rate that was lower in comparison to prevailing market rates.
Term Extension
Financial Effect, Weighted Average Term Increase(a)
Three Months Ended Mar 31,
Loan Type20252024
Residential mortgage145 months158 months
Home equity60 months64 months
Weighted average of total loans modified141 months153 months
Financing Receivable, Modified, Past Due [Table Text Block] The following table depicts the performance of loans that have been modified in the twelve months ended March 31, 2025:
Payment Status (Amortized Cost Basis)
($ in thousands)Current30-89 Days Past Due90+ Days Past Due
Commercial and industrial$459 $— $— 
Residential mortgage3,037 346 572 
Auto finance1 — — 
Home equity267 — — 
Other consumer2,421 — — 
Total loans modified$6,184 $346 $572 
The following table depicts the performance of loans that have been modified in the twelve months ended March 31, 2024:
Payment Status (Amortized Cost Basis)
($ in thousands)Current30-89 Days Past Due90+ Days Past Due
Commercial and industrial$377 $— $— 
Residential mortgage1,107 175 55 
Auto finance75 3 — 
Home equity199 47 75 
Other consumer1,487 — — 
Total loans modified$3,244 $224 $131 
Financing Receivable, Modified, Subsequent Default [Table Text Block]
None of the loans modified in the previous twelve months subsequently had a payment default during the three months ended March 31, 2025. The following table provides the amortized cost of loan modifications by loan portfolio and type of concession that were modified in the previous twelve months had a payment default during the three months ended March 31, 2024:
Amortized Cost of Loan Modifications that Subsequently Defaulted
($ in thousands)Interest Rate ConcessionTerm ExtensionCombination Interest Rate Concession and Term Extension
Auto finance$11 $— $— 
Total loans modified$11 $— $— 
Financing Receivable, Allowance for Credit Loss [Table Text Block]
The following table presents a summary of the changes in the ACLL by portfolio segment for the three months ended March 31, 2025:
($ in thousands)Dec 31, 2024Charge offsRecoveriesNet Charge offsProvision for Credit LossesMar 31, 2025ACLL / Loans
Allowance for loan losses
Commercial and industrial$136,596 $(7,692)$2,966 $(4,726)$12,343 $144,213 
Commercial real estate — owner occupied9,417 — — — 2,009 11,426 
Commercial and business lending146,013 (7,692)2,966 (4,726)14,352 155,639 
Commercial real estate — investor71,547 (892)— (892)7,533 78,187 
Real estate construction51,499 — 30 30 (5,216)46,313 
Commercial real estate lending123,046 (892)30 (863)2,317 124,500 
Total commercial269,060 (8,585)2,996 (5,589)16,669 280,139 
Residential mortgage32,576 (239)436 197 1,388 34,160 
Auto finance28,467 (2,330)811 (1,519)(916)26,032 
Home equity16,620 (61)350 289 (1,193)15,716 
Other consumer16,824 (2,500)424 (2,076)553 15,300 
Total consumer94,486 (5,130)2,021 (3,109)(169)91,209 
Total loans$363,545 $(13,714)$5,017 $(8,698)$16,500 $371,348 
Allowance for unfunded commitments
Commercial and industrial$14,456 $— $— $— $2,048 $16,504 
Commercial real estate — owner occupied151 — — — (37)114 
Commercial and business lending14,607 — — — 2,011 16,618 
Commercial real estate — investor578 — — — 384 962 
Real estate construction19,591 — — — (6,031)13,560 
Commercial real estate lending20,169 — — — (5,647)14,522 
Total commercial34,776 — — — (3,636)31,140 
Home equity2,465 — — — (12)2,453 
Other consumer1,535 — — — 148 1,683 
Total consumer4,000 — — — 136 4,136 
Total loans$38,776 $— $— $— $(3,500)$35,276 
Allowance for credit losses on loans
Commercial and industrial$151,052 $(7,692)$2,966 $(4,726)$14,391 $160,717 1.47 %
Commercial real estate — owner occupied9,568 — — — 1,972 11,540 1.03 %
Commercial and business lending160,620 (7,692)2,966 (4,726)16,363 172,257 1.43 %
Commercial real estate — investor72,125 (892)— (892)7,917 79,149 1.41 %
Real estate construction71,090 — 30 30 (11,247)59,873 3.31 %
Commercial real estate lending143,215 (892)30 (863)(3,330)139,022 1.88 %
Total commercial303,835 (8,585)2,996 (5,589)13,033 311,279 1.60 %
Residential mortgage32,576 (239)436 197 1,388 34,160 0.49 %
Auto finance28,467 (2,330)811 (1,519)(916)26,032 0.90 %
Home equity19,085 (61)350 289 (1,205)18,169 2.78 %
Other consumer18,359 (2,500)424 (2,076)700 16,983 5.46 %
Total consumer98,486 (5,130)2,021 (3,109)(33)95,344 0.88 %
Total loans$402,322 $(13,714)$5,017 $(8,698)$13,000 $406,624 1.34 %
The following table presents a summary of the changes in the ACLL by portfolio segment for the year ended December 31, 2024:
($ in thousands)Dec 31, 2023Charge offsRecoveriesNet Charge offsProvision for Credit LossesDec 31, 2024ACLL / Loans
Allowance for loan losses
Commercial and industrial$128,263 $(47,517)$2,148 $(45,369)$53,703 $136,596 
Commercial real estate — owner occupied10,610 (3)7 4 (1,198)9,417 
Commercial and business lending138,873 (47,520)2,155 (45,365)52,505 146,013 
Commercial real estate — investor67,858 (11,187)— (11,187)14,876 71,547 
Real estate construction53,554 — 65 65 (2,119)51,499 
Commercial real estate lending121,412 (11,187)65 (11,122)12,756 123,046 
Total commercial260,285 (58,707)2,220 (56,487)65,262 269,060 
Residential mortgage37,808 (1,029)280 (750)(4,483)32,576 
Auto finance24,961 (9,541)2,905 (6,637)10,142 28,467 
Home equity15,403 (216)1,366 1,150 67 16,620 
Other consumer12,638 (6,922)1,096 (5,826)10,012 16,824 
Total consumer90,809 (17,709)5,647 (12,062)15,738 94,486 
Total loans$351,094 $(76,415)$7,867 $(68,549)$81,000 $363,545 
Allowance for unfunded commitments
Commercial and industrial$13,319 $— $— $— $1,137 $14,456 
Commercial real estate — owner occupied149 — — — 2 151 
Commercial and business lending13,468 — — — 1,139 14,607 
Commercial real estate — investor480 — — — 98 578 
Real estate construction17,024 — — — 2,567 19,591 
Commercial real estate lending17,504 — — — 2,664 20,169 
Total commercial30,972 — — — 3,803 34,776 
Home equity2,629 — — — (164)2,465 
Other consumer1,174 — — — 361 1,535 
Total consumer3,803 — — — 197 4,000 
Total loans$34,776 $— $— $— $4,000 $38,776 
Allowance for credit losses on loans
Commercial and industrial$141,582 $(47,517)$2,148 $(45,369)$54,840 $151,052 1.43 %
Commercial real estate — owner occupied10,759 (3)7 4 (1,196)9,568 0.84 %
Commercial and business lending152,341 (47,520)2,155 (45,365)53,644 160,620 1.37 %
Commercial real estate — investor68,338 (11,187)— (11,187)14,973 72,125 1.38 %
Real estate construction70,578 — 65 65 447 71,090 3.59 %
Commercial real estate lending138,916 (11,187)65 (11,122)15,421 143,215 1.99 %
Total commercial291,257 (58,707)2,220 (56,487)69,065 303,835 1.61 %
Residential mortgage37,808 (1,029)280 (750)(4,483)32,576 0.46 %
Auto finance24,961 (9,541)2,905 (6,637)10,142 28,467 1.01 %
Home equity18,032 (216)1,366 1,150 (97)19,085 2.87 %
Other consumer13,812 (6,922)1,096 (5,826)10,373 18,359 5.76 %
Total consumer94,613 (17,709)5,647 (12,062)15,935 98,486 0.91 %
Total loans$385,870 $(76,415)$7,867 $(68,549)$85,000 $402,322 1.35 %