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Loans Held for Investment (Tables)
6 Months Ended 9 Months Ended
Jun. 30, 2021
Sep. 30, 2021
Receivables [Abstract]    
Schedule of Loans by Class
The following table presents loans by segment as of the dates indicated:
September 30,
2021
December 31,
2020
Real estate loans:  
Commercial$3,883.2 $3,743.2 
Construction loans:
Land acquisition & development260.2 265.0 
Residential268.4 250.9 
Commercial610.2 523.5 
Total construction loans1,138.8 1,039.4 
Residential1,554.9 1,396.3 
Agricultural229.9 220.6 
Total real estate loans6,806.8 6,399.5 
Consumer loans:
Indirect756.8 805.1 
Direct and advance lines132.9 150.6 
Credit card64.1 70.2 
Total consumer loans953.8 1,025.9 
Commercial1,668.7 2,153.9 
Agricultural212.4 247.6 
Other, including overdrafts1.3 1.6 
Loans held for investment9,643.0 9,828.5 
Deferred loan fees and costs(20.5)(21.0)
Loans held for investment, net of deferred fees and costs9,622.5 9,807.5 
Allowance for credit losses(135.1)(144.3)
Net loans held for investment$9,487.4 $9,663.2 
 
Schedule of Allowance for Loan Losses by Portfolio Segment  
The following tables represent, by loan portfolio segment, the activity in the allowance for credit losses for loans held for investment:
Three Months Ended September 30, 2021Beginning BalanceProvision for (reversal of) Credit LossLoans Charged-OffRecoveries CollectedEnding Balance
Allowance for credit losses (1)
Real estate: 
Commercial real estate:
Non-owner occupied$22.9 $1.1 $— $— $24.0 
Owner occupied16.6 (0.6)— — 16.0 
Multi-family11.6 0.2 — — 11.8 
Total commercial real estate51.1 0.7 — — 51.8 
Construction:
Land acquisition & development1.0 (0.2)— 0.1 0.9 
Residential construction1.5 0.3 — — 1.8 
Commercial construction8.0 (1.3)— — 6.7 
Total construction10.5 (1.2)— 0.1 9.4 
Residential real estate:
Residential 1-4 family13.4 (0.2)— — 13.2 
Home equity and HELOC1.4 (0.1)— 0.1 1.4 
Total residential real estate14.8 (0.3)— 0.1 14.6 
Agricultural real estate3.0 0.1 — — 3.1 
Total real estate79.4 (0.7)— 0.2 78.9 
Consumer:
Indirect15.8 (0.1)(0.8)0.5 15.4 
Direct and advance lines4.6 0.5 (0.8)0.4 4.7 
Credit card1.6 0.4 (0.4)0.2 1.8 
Total consumer22.0 0.8 (2.0)1.1 21.9 
Commercial:
Commercial and floor plans29.0 0.3 (0.1)0.2 29.4 
Commercial purpose secured by 1-4 family4.4 (0.2)— — 4.2 
Credit card0.3 — — — 0.3 
Total commercial33.7 0.1 (0.1)0.2 33.9 
Agricultural:
Agricultural0.4 — — — 0.4 
Total agricultural0.4 — — — 0.4 
Total allowance for credit losses$135.5 $0.2 $(2.1)$1.5 $135.1 
(1) Amounts presented are exclusive of the allowance for credit losses related to unfunded commitments which are included in Note “Financial Instruments with Off-Balance Sheet Risk” included in this report.
Nine Months Ended September 30, 2021Beginning BalanceProvision for (reversal of) Credit LossLoans Charged-OffRecoveries CollectedEnding Balance
Allowance for credit losses (1)
Real estate: 
Commercial real estate:
Non-owner occupied$25.5 $(1.6)$— $0.1 $24.0 
Owner occupied18.3 — (2.3)— 16.0 
Multi-family11.0 0.8 — — 11.8 
Total commercial real estate54.8 (0.8)(2.3)0.1 51.8 
Construction:
Land acquisition & development1.3 (0.8)(0.1)0.5 0.9 
Residential construction1.6 0.3 (0.1)— 1.8 
Commercial construction7.3 (0.6)(0.1)0.1 6.7 
Total construction10.2 (1.1)(0.3)0.6 9.4 
Residential real estate:
Residential 1-4 family11.4 1.8 — — 13.2 
Home equity and HELOC1.4 (0.2)(0.1)0.3 1.4 
Total residential real estate12.8 1.6 (0.1)0.3 14.6 
Agricultural real estate2.7 0.4 — — 3.1 
Total real estate80.5 0.1 (2.7)1.0 78.9 
Consumer:
Indirect16.7 (0.3)(2.9)1.9 15.4 
Direct and advance lines4.6 1.2 (2.0)0.9 4.7 
Credit card2.6 — (1.4)0.6 1.8 
Total consumer23.9 0.9 (6.3)3.4 21.9 
Commercial:
Commercial and floor plans34.2 (4.9)(2.2)2.3 29.4 
Commercial purpose secured by 1-4 family4.7 (0.8)(0.1)0.4 4.2 
Credit card0.3 0.2 (0.3)0.1 0.3 
Total commercial39.2 (5.5)(2.6)2.8 33.9 
Agricultural:
Agricultural0.7 (0.1)(0.2)— 0.4 
Total agricultural0.7 (0.1)(0.2)— 0.4 
Total allowance for credit losses$144.3 $(4.6)$(11.8)$7.2 $135.1 
(1) Amounts presented are exclusive of the allowance for credit losses related to unfunded commitments which are included in Note “Financial Instruments with Off-Balance Sheet Risk” included in this report.
Three Months Ended September 30, 2020Beginning BalanceProvision for Credit Loss ExpenseLoans Charged-OffRecoveries CollectedEnding Balance
Allowance for credit losses (1)
Real estate: 
Commercial real estate:
Non-owner occupied$23.6 $1.5 $— $0.1 $25.2 
Owner occupied19.1 0.1 (0.2)0.1 19.1 
Multi-family8.5 2.3 — — 10.8 
Total commercial real estate51.2 3.9 (0.2)0.2 55.1 
Construction:
Land acquisition & development1.5 (0.5)— 0.2 1.2 
Residential construction1.3 0.3 — — 1.6 
Commercial construction6.3 0.8 — — 7.1 
Total construction9.1 0.6 — 0.2 9.9 
Residential real estate:
Residential 1-4 family10.3 (1.1)— — 9.2 
Home equity and HELOC1.5 — — — 1.5 
Total residential real estate11.8 (1.1)— — 10.7 
Agricultural real estate3.1 (0.2)— — 2.9 
Total real estate75.2 3.2 (0.2)0.4 78.6 
Consumer:
Indirect16.4 0.7 (0.8)0.7 17.0 
Direct and advance lines5.1 0.6 (1.1)0.2 4.8 
Credit card2.0 0.6 (0.6)0.2 2.2 
Total consumer23.5 1.9 (2.5)1.1 24.0 
Commercial:
Commercial and floor plans41.0 (1.2)(3.3)0.2 36.7 
Commercial purpose secured by 1-4 family5.1 (0.2)— 0.1 5.0 
Credit card0.4 0.3 (0.4)— 0.3 
Total commercial46.5 (1.1)(3.7)0.3 42.0 
Agricultural:
Agricultural0.9 — — — 0.9 
Total agricultural0.9 — — — 0.9 
Total allowance for credit losses$146.1 $4.0 $(6.4)$1.8 $145.5 
(1) Amounts presented are exclusive of the allowance for credit losses related to unfunded commitments which are included in Note “Financial Instruments with Off-Balance Sheet Risk” included in this report.
Nine Months Ended September 30, 2020Beginning BalanceImpact of Adopting ASC 326Provision for Credit Loss ExpenseLoans Charged-OffRecoveries CollectedEnding Balance
Allowance for credit losses (1)
Real estate:  
Commercial real estate:
Non-owner occupied$8.8 $4.9 $11.4 $— $0.1 $25.2 
Owner occupied10.0 3.5 5.7 (0.3)0.2 19.1 
Multi-family0.7 6.9 3.2 — — 10.8 
Total commercial real estate19.5 15.3 20.3 (0.3)0.3 55.1 
Construction:
Land acquisition & development1.9 (0.1)(0.3)(0.5)0.2 1.2 
Residential construction1.5 (0.9)1.0 — — 1.6 
Commercial construction2.7 1.3 3.1 — — 7.1 
Total construction6.1 0.3 3.8 (0.5)0.2 9.9 
Residential real estate:
Residential 1-4 family1.8 10.6 (3.3)— 0.1 9.2 
Home equity and HELOC1.0 0.5 (0.1)— 0.1 1.5 
Total residential real estate2.8 11.1 (3.4)— 0.2 10.7 
Agricultural real estate0.5 1.8 0.6 — — 2.9 
Total real estate28.9 28.5 21.3 (0.8)0.7 78.6 
Consumer:
Indirect4.5 8.8 5.1 (3.2)1.8 17.0 
Direct and advance lines2.9 3.0 1.3 (3.1)0.7 4.8 
Credit card2.5 0.3 1.0 (2.2)0.6 2.2 
Total consumer9.9 12.1 7.4 (8.5)3.1 24.0 
Commercial:
Commercial and floor plans25.5 (5.1)20.0 (4.7)1.0 36.7 
Commercial purpose secured by 1-4 family5.9 (3.8)2.8 (0.1)0.2 5.0 
Credit card1.2 (1.1)1.0 (0.9)0.1 0.3 
Total commercial32.6 (10.0)23.8 (5.7)1.3 42.0 
Agricultural:
Agricultural1.6 (0.6)— (0.1)— 0.9 
Total agricultural1.6 (0.6)— (0.1)— 0.9 
Total allowance for credit losses$73.0 $30.0 $52.5 $(15.1)$5.1 $145.5 
(1) Amounts presented are exclusive of the allowance for credit losses related to unfunded commitments which are included in Note “Financial Instruments with Off-Balance Sheet Risk” included in this report.
Schedule of Recorded Investment in Impaired Loans  
The following tables present the amortized cost basis of collateral-dependent loans by class of loans as of the dates indicated:
Collateral Type
As of September 30, 2021Business AssetsReal PropertyOtherTotal
Real estate$1.2 $7.3 $— $8.5 
Commercial3.1 0.9 — 4.0 
Agricultural— 0.7 — 0.7 
Total collateral-dependent$4.3 $8.9 $— $13.2 
Schedule of Recorded Investment in Past Due Loans by Class  
Loans are considered past due if the required principal and interest payments have not been received as of the date such payments were due. Loans classified in the following table as greater than 90 days past due continue to accrue interest. The following tables present the contractual aging of the Company’s recorded amortized cost basis in loans by portfolio as of the dates indicated.
Total Loans
30 - 5960 - 89> 9030 or More
DaysDaysDaysDaysCurrentNon-accrualTotal
As of September 30, 2021Past DuePast DuePast DuePast DueLoans
Loans (1)
Loans
Real estate
Commercial$6.1 $4.0 $0.3 $10.4 $3,864.0 $8.8 $3,883.2 
Construction:
Land acquisition & development0.7 — 0.2 0.9 258.8 0.5 260.2 
Residential— — — — 268.4 — 268.4 
Commercial1.9 — — 1.9 608.3 — 610.2 
Total construction loans2.6 — 0.2 2.8 1,135.5 0.5 1,138.8 
Residential0.2 2.7 1.4 4.3 1,546.3 4.3 1,554.9 
Agricultural— 0.2 1.2 1.4 222.9 5.6 229.9 
Total real estate loans8.9 6.9 3.1 18.9 6,768.7 19.2 6,806.8 
Consumer:
Indirect consumer4.0 1.1 0.2 5.3 750.0 1.5 756.8 
Other consumer0.7 0.2 0.1 1.0 131.7 0.2 132.9 
Credit card0.6 0.2 0.4 1.2 62.9 — 64.1 
Total consumer loans5.3 1.5 0.7 7.5 944.6 1.7 953.8 
Commercial3.7 0.6 0.9 5.2 1,656.4 7.1 1,668.7 
Agricultural0.3 — 0.5 0.8 209.7 1.9 212.4 
Other, including overdrafts— — — — 1.3 — 1.3 
Loans held for investment$18.2 $9.0 $5.2 $32.4 $9,580.7 $29.9 $9,643.0 
Total Loans
30 - 5960 - 89> 9030 or More
DaysDaysDaysDaysCurrentNon-accrualTotal
As of December 31, 2020Past DuePast DuePast DuePast DueLoans
Loans (1)
Loans
Real estate
Commercial$7.6 $1.2 $4.0 $12.8 $3,720.8 $9.6 $3,743.2 
Construction:
Land acquisition & development2.5 1.1 0.1 3.7 260.6 0.7 265.0 
Residential1.5 0.4 — 1.9 247.9 1.1 250.9 
Commercial12.2 — — 12.2 511.2 0.1 523.5 
Total construction loans16.2 1.5 0.1 17.8 1,019.7 1.9 1,039.4 
Residential4.7 1.6 0.5 6.8 1,384.9 4.6 1,396.3 
Agricultural2.0 — — 2.0 212.4 6.2 220.6 
Total real estate loans30.5 4.3 4.6 39.4 6,337.8 22.3 6,399.5 
Consumer:
Indirect consumer6.4 2.0 0.5 8.9 794.3 1.9 805.1 
Other consumer0.8 0.2 0.2 1.2 149.0 0.4 150.6 
Credit card0.6 0.4 0.6 1.6 68.6 — 70.2 
Total consumer loans7.8 2.6 1.3 11.7 1,011.9 2.3 1,025.9 
Commercial6.2 1.8 1.2 9.2 2,132.9 11.8 2,153.9 
Agricultural0.4 0.6 1.4 2.4 242.1 3.1 247.6 
Other, including overdrafts— — — — 1.6 — 1.6 
Loans held for investment$44.9 $9.3 $8.5 $62.7 $9,726.3 $39.5 $9,828.5 
(1) As of September 30, 2021 and December 31, 2020, none of our non-accrual loans were earning interest income. Additionally, no material interest income was recognized on non-accrual loans during the three and nine months ended September 30, 2021 and 2020, respectively, and no material accrued interest was reversed at September 30, 2021 and 2020, respectively.
Schedule of Recorded Investment in Criticized Loans by Class and Credit Quality Indicator  
The Company evaluates the credit quality and loan performance for the allowance for credit loan losses of the following segments based on the aforementioned risk scale for the periods indicated:
September 30, 2021
Term Loans Amortized Cost Basis by Origination Year
Risk by Collateral20212020201920182017PriorRevolving Loans Amortized Cost BasisTotal
Commercial real estate non-owner occupied:
Pass$408.9 $467.7 $258.9 $160.7 $94.9 $426.9 $11.6 $1,829.6 
Special mention0.2 1.5 2.2 — — 13.9 — 17.8 
Substandard3.9 15.5 2.4 0.8 1.1 13.1 — 36.8 
Total$413.0 $484.7 $263.5 $161.5 $96.0 $453.9 $11.6 $1,884.2 
Commercial real estate owner occupied:
Pass$317.5 $325.0 $247.5 $166.0 $106.2 $368.1 $12.7 $1,543.0 
Special mention1.1 5.3 1.9 5.1 3.1 18.6 — 35.1 
Substandard3.5 5.0 5.8 8.4 2.8 23.0 0.1 48.6 
Total$322.1 $335.3 $255.2 $179.5 $112.1 $409.7 $12.8 $1,626.7 
Commercial multi-family:
Pass$62.7 $116.3 $46.3 $20.6 $36.9 $87.6 $1.9 $372.3 
Total$62.7 $116.3 $46.3 $20.6 $36.9 $87.6 $1.9 $372.3 
Land, acquisition and development:
Pass$80.2 $73.7 $42.6 $15.7 $21.0 $21.9 $2.0 $257.1 
Special mention1.0 0.2 — — 0.1 — — 1.3 
Substandard0.6 0.2 — 0.7 0.1 0.1 0.1 1.8 
Total$81.8 $74.1 $42.6 $16.4 $21.2 $22.0 $2.1 $260.2 
Residential construction:
Pass$98.2 $23.8 $26.5 $1.0 $1.6 $— $116.3 $267.4 
Special mention— — — — 0.4 — — 0.4 
Substandard0.2 0.4 — — — — — 0.6 
Total$98.4 $24.2 $26.5 $1.0 $2.0 $— $116.3 $268.4 
Commercial construction:
Pass$207.7 $221.2 $147.4 $27.7 $0.6 $5.6 $— $610.2 
Total$207.7 $221.2 $147.4 $27.7 $0.6 $5.6 $— $610.2 
September 30, 2021
Term Loans Amortized Cost Basis by Origination Year
Risk by Collateral20212020201920182017PriorRevolving Loans Amortized Cost BasisTotal
Agricultural real estate:
Pass$52.8 $39.9 $37.3 $24.2 $13.4 $31.2 $3.8 $202.6 
Special mention0.1 1.5 1.2 0.6 0.1 3.6 1.0 8.1 
Substandard1.0 1.7 6.7 2.7 1.3 3.4 — 16.8 
Doubtful2.4 — — — — — — 2.4 
Total$56.3 $43.1 $45.2 $27.5 $14.8 $38.2 $4.8 $229.9 
Commercial and floor plans:
Pass$509.2 $182.7 $107.8 $90.6 $50.9 $101.2 $246.3 $1,288.7 
Special mention0.8 12.7 0.9 2.1 3.6 3.1 3.9 27.1 
Substandard2.2 2.8 1.6 2.0 0.7 4.9 1.1 15.3 
Total$512.2 $198.2 $110.3 $94.7 $55.2 $109.2 $251.3 $1,331.1 
Commercial purpose secured by 1-4 family:
Pass$66.2 $67.3 $30.6 $24.6 $16.4 $36.4 $13.7 $255.2 
Special mention— 0.2 0.2 0.5 0.1 0.8 0.4 2.2 
Substandard1.2 1.4 0.7 1.0 0.2 1.6 0.1 6.2 
Total$67.4 $68.9 $31.5 $26.1 $16.7 $38.8 $14.2 $263.6 
Agricultural:
Pass$30.3 $27.1 $10.5 $7.8 $3.5 $2.0 $108.0 $189.2 
Special mention0.9 0.6 0.5 0.3 — 0.3 3.1 5.7 
Substandard9.6 0.8 1.4 2.6 0.1 0.2 1.3 16.0 
Total$40.8 $28.5 $12.4 $10.7 $3.6 $2.5 $112.4 $210.9 

December 31, 2020
Term Loans Amortized Cost Basis by Origination Year
Risk by Collateral20202019201820172016PriorRevolving Loans Amortized Cost BasisTotal
Commercial real estate non-owner occupied:
Pass$495.9 $304.9 $216.0 $105.3 $139.7 $336.5 $13.8 $1,612.1 
Special mention0.3 2.3 0.9 0.1 6.4 13.7 — 23.7 
Substandard15.7 2.7 1.0 4.1 1.1 13.9 — 38.5 
Doubtful— — 0.2 — — — — 0.2 
Total$511.9 $309.9 $218.1 $109.5 $147.2 $364.1 $13.8 $1,674.5 
Commercial real estate owner occupied:
Pass$416.3 $312.5 $211.2 $122.4 $153.7 $357.9 $8.9 $1,582.9 
Special mention7.1 9.6 4.8 3.1 18.6 20.0 — 63.2 
Substandard8.9 6.5 11.5 5.0 15.1 11.1 0.3 58.4 
Doubtful0.2 — — 0.2 — 0.1 — 0.5 
Total$432.5 $328.6 $227.5 $130.7 $187.4 $389.1 $9.2 $1,705.0 
Commercial multi-family:
Pass$132.5 $58.9 $23.5 $41.6 $25.8 $80.5 $0.8 $363.6 
Special mention— — — — — 0.1 — 0.1 
Total$132.5 $58.9 $23.5 $41.6 $25.8 $80.6 $0.8 $363.7 
December 31, 2020
Term Loans Amortized Cost Basis by Origination Year
Risk by Collateral20202019201820172016PriorRevolving Loans Amortized Cost BasisTotal
Land, acquisition and development:
Pass$104.6 $58.8 $26.4 $30.7 $7.6 $26.3 $5.8 $260.2 
Special mention0.2 0.1 — 0.9 — 1.2 0.5 2.9 
Substandard0.3 — 1.2 0.1 — 0.1 0.1 1.8 
Doubtful— — — — — 0.1 — 0.1 
Total$105.1 $58.9 $27.6 $31.7 $7.6 $27.7 $6.4 $265.0 
Residential construction:
Pass$80.4 $64.7 $16.7 $5.6 $— $0.1 $82.1 $249.6 
Substandard0.2 — — — — — 1.1 1.3 
Total$80.6 $64.7 $16.7 $5.6 $— $0.1 $83.2 $250.9 
Commercial construction:
Pass$236.1 $195.4 $61.2 $11.9 $6.0 $(0.3)$11.6 $521.9 
Special mention— — 1.5 — — — — 1.5 
Substandard— — — — — 0.1 — 0.1 
Total$236.1 $195.4 $62.7 $11.9 $6.0 $(0.2)$11.6 $523.5 
Agricultural real estate:
Pass$50.0 $45.3 $28.2 $17.2 $12.7 $27.2 $5.3 $185.9 
Special mention2.8 6.7 1.0 1.5 0.9 1.0 0.5 14.4 
Substandard1.4 5.9 3.4 0.9 3.4 4.4 0.6 20.0 
Doubtful— 0.3 — — — — — 0.3 
Total$54.2 $58.2 $32.6 $19.6 $17.0 $32.6 $6.4 $220.6 
Commercial and floor plans:
Pass$1,029.4 $153.0 $136.0 $69.8 $43.0 $92.3 $233.1 $1,756.6 
Special mention5.6 1.0 1.9 7.0 3.9 0.5 2.4 22.3 
Substandard8.8 1.8 4.3 0.4 4.1 1.1 11.5 32.0 
Doubtful0.3 0.4 — — 0.1 2.6 0.2 3.6 
Total$1,044.1 $156.2 $142.2 $77.2 $51.1 $96.5 $247.2 $1,814.5 
Commercial purpose secured by 1-4 family:
Pass$82.3 $53.7 $33.7 $20.7 $15.5 $34.9 $17.5 $258.3 
Special mention0.5 0.5 0.3 0.1 0.5 0.8 0.8 3.5 
Substandard2.4 1.0 4.8 0.3 1.4 1.0 0.1 11.0 
Total$85.2 $55.2 $38.8 $21.1 $17.4 $36.7 $18.4 $272.8 
Agricultural:
Pass$47.4 $18.1 $10.7 $4.2 $3.0 $1.3 $130.9 $215.6 
Special mention1.5 0.7 0.4 — 0.1 0.3 13.4 16.4 
Substandard3.7 1.5 4.2 0.6 0.1 0.4 3.6 14.1 
Total$52.6 $20.3 $15.3 $4.8 $3.2 $2.0 $147.9 $246.1 
The following tables present the recorded investment of our other loan portfolios based on the credit risk profile of loans that are performing and loans that are nonperforming as of the periods indicated:
September 30, 2021
Term Loans Amortized Cost Basis by Origination Year
Risk by Collateral20212020201920182017PriorRevolving Loans Amortized Cost BasisTotal
Residential 1-4 family:
Performing$324.5 $490.7 $79.4 $35.0 $30.5 $199.2 $— $1,159.3 
Nonperforming— 0.9 0.4 — 0.4 1.9 — 3.6 
Total$324.5 $491.6 $79.8 $35.0 $30.9 $201.1 $— $1,162.9 
Consumer home equity and HELOC:
Performing$11.8 $8.1 $4.7 $5.2 $4.0 $13.2 $343.1 $390.1 
Nonperforming0.3 — 0.3 — 0.6 0.7 — 1.9 
Total$12.1 $8.1 $5.0 $5.2 $4.6 $13.9 $343.1 $392.0 
Consumer indirect:
Performing$223.5 $236.0 $124.6 $74.6 $44.1 $52.2 $— $755.0 
Nonperforming0.1 0.4 0.3 0.3 0.2 0.5 — 1.8 
Total$223.6 $236.4 $124.9 $74.9 $44.3 $52.7 $— $756.8 
Consumer direct and advance line:
Performing$34.9 $31.5 $17.9 $16.2 $6.8 $8.8 $16.5 $132.6 
Nonperforming— — 0.1 0.1 0.1 — — 0.3 
Total$34.9 $31.5 $18.0 $16.3 $6.9 $8.8 $16.5 $132.9 
The following table presents the recorded investment in credit card loans based on payment activity for the periods indicated:
As of September 30, 2021ConsumerCommercialAgriculturalTotal
Credit Card:
Performing$63.7 $73.9 $1.5 $139.1 
Nonperforming0.4 0.1 — 0.5 
Total$64.1 $74.0 $1.5 $139.6 
As of December 31, 2020ConsumerCommercialAgriculturalTotal
Credit Card:
Performing$69.6 $66.3 $1.5 $137.4 
Nonperforming0.6 0.3 — 0.9 
Total credit card$70.2 $66.6 $1.5 $138.3