Nature of Operations and Summary of Significant Accounting Policies (Tables)

12 Months Ended

Dec. 31, 2024

The following table presents the provision for credit losses on the loan portfolio and off-balance sheet exposures:


	Year ended
(Dollars in thousands)	December 31, 2024		December 31, 2023	December 31, 2022
Provision for credit loss loans	$	27,179	20,790	17,433
Provision for credit loss unfunded	1,127		(5,995)	2,530
Total provision for credit losses	$	28,306	14,795	19,963

The following tables summarize the activity in the ACL:


	Year ended December 31, 2024
(Dollars in thousands)	Total		Residential Real Estate	Commercial Real Estate	Other Commercial	Home Equity	Other Consumer
Balance at beginning of period	$	192,757	22,325	130,924	21,194	11,766	6,548
Acquisitions	3		—	3	—	—	—
Provision for credit losses	27,179		2,862	10,446	7,162	(369)	7,078
Charge-offs	(18,626)		(40)	(2,896)	(5,778)	(131)	(9,781)
Recoveries	4,728		34	68	1,822	136	2,668
Balance at end of period	$	206,041	25,181	138,545	24,400	11,402	6,513


	Year ended December 31, 2023
(Dollars in thousands)	Total		Residential Real Estate	Commercial Real Estate	Other Commercial	Home Equity	Other Consumer
Balance at beginning of period	$	182,283	19,683	125,816	21,454	10,759	4,571


Provision for credit losses	20,790		2,645	6,748	1,996	969	8,432
Charge-offs	(15,095)		(20)	(2,080)	(3,891)	(129)	(8,975)
Recoveries	4,779		17	440	1,635	167	2,520
Balance at end of period	$	192,757	22,325	130,924	21,194	11,766	6,548


	Year ended December 31, 2022
(Dollars in thousands)	Total		Residential Real Estate	Commercial Real Estate	Other Commercial	Home Equity	Other Consumer
Balance at beginning of period	$	172,665	16,458	117,901	24,703	8,566	5,037


Provision for credit losses	17,433		3,162	7,231	(704)	1,943	5,801
Charge-offs	(14,970)		(17)	(2,171)	(4,201)	(85)	(8,496)
Recoveries	7,155		80	2,855	1,656	335	2,229
Balance at end of period	$	182,283	19,683	125,816	21,454	10,759	4,571