LOANS AND ALLOWANCE FOR LOAN AND LEASE LOSSES (Tables)

6 Months Ended

Jun. 30, 2022

Accounts, Notes, Loans and Financing Receivable [Line Items]

Loans Stated at Face Amount, Net of Unearned Income

The Company’s loans are stated at their face amount, net of deferred fees and costs, and consist of the following at June 30, 2022 and December 31, 2021 (dollars in thousands):

	June 30, 2022		December 31, 2021
Construction and Land Development	$	988,379	$	862,236
Commercial Real Estate - Owner Occupied		1,965,702		1,995,409
Commercial Real Estate - Non-Owner Occupied		3,860,819		3,789,377
Multifamily Real Estate		762,502		778,626
Commercial & Industrial(1)		2,595,891		2,542,243
Residential 1-4 Family - Commercial		553,771		607,337
Residential 1-4 Family - Consumer		865,174		816,524
Residential 1-4 Family - Revolving		583,073		560,796
Auto		525,301		461,052
Consumer		180,045		176,992
Other Commercial(2)		774,751		605,251
Total LHFI, net of deferred fees and costs(3)		13,655,408		13,195,843
Allowance for loan and lease losses		(104,184)		(99,787)
Total LHFI, net	$	13,551,224	$	13,096,056

⁽¹⁾ Commercial & industrial loans include approximately $21.7 million and $145.3 million in loans from the PPP at June 30, 2022 and December 31, 2021, respectively.

⁽²⁾ Other commercial loans include an insignificant amount of loans from the PPP at June 30, 2022 and included approximately $5.1 million in loans from the PPP at December 31, 2021.

⁽³⁾ Total loans include unamortized premiums and discounts, and unamortized deferred fees and costs totaling $44.8 million and $49.3 million as of June 30, 2022 and December 31, 2021, respectively.

Summary of Aging of the Loan Portfolio by Class

The following table shows the aging of the Company’s loan portfolio, by class, at June 30, 2022 (dollars in thousands):

										Greater than
				30-59 Days			60-89 Days			90 Days and
	Current			Past Due			Past Due			still Accruing			Nonaccrual			Total Loans
Construction and Land Development	$	987,152		$	645		$	—		$	1		$	581		$	988,379
Commercial Real Estate - Owner Occupied		1,957,733			1,374			807			792			4,996			1,965,702
Commercial Real Estate - Non-Owner Occupied		3,856,365			511			—			642			3,301			3,860,819
Multifamily Real Estate		762,502			—			—			—			—			762,502
Commercial & Industrial		2,589,714			2,581			546			322			2,728			2,595,891
Residential 1-4 Family - Commercial		549,138			1,944			474			184			2,031			553,771
Residential 1-4 Family - Consumer		849,738			594			1,646			1,112			12,084			865,174
Residential 1-4 Family - Revolving		576,908			1,368			731			997			3,069			583,073
Auto		522,834			1,841			213			134			279			525,301
Consumer		179,394			361			210			79			1			180,045
Other Commercial		774,411			11			—			329			—			774,751
Total LHFI	$	13,605,889		$	11,230		$	4,627		$	4,592		$	29,070		$	13,655,408
% of total loans		99.65	%		0.08	%		0.03	%		0.03	%		0.21	%		100.00	%

The following table shows the aging of the Company’s loan portfolio, by class, at December 31, 2021 (dollars in thousands):

										Greater than
				30-59 Days			60-89 Days			90 Days and
	Current			Past Due			Past Due			still Accruing			Nonaccrual			Total Loans
Construction and Land Development	$	857,883		$	1,357		$	—		$	299		$	2,697		$	862,236
Commercial Real Estate - Owner Occupied		1,987,133			1,230			152			1,257			5,637			1,995,409
Commercial Real Estate - Non-Owner Occupied		3,783,211			1,965			127			433			3,641			3,789,377
Multifamily Real Estate		778,429			84			—			—			113			778,626
Commercial & Industrial		2,536,100			1,161			1,438			1,897			1,647			2,542,243
Residential 1-4 Family - Commercial		601,946			1,844			272			990			2,285			607,337
Residential 1-4 Family - Consumer		795,821			3,368			2,925			3,013			11,397			816,524
Residential 1-4 Family - Revolving		554,652			1,493			363			882			3,406			560,796
Auto		458,473			1,866			249			241			223			461,052
Consumer		175,943			689			186			120			54			176,992
Other Commercial		605,214			37			—			—			—			605,251
Total LHFI	$	13,134,805		$	15,094		$	5,712		$	9,132		$	31,100		$	13,195,843
% of total loans		99.54	%		0.11	%		0.04	%		0.07	%		0.24	%		100.00	%

Summary of Loans on Nonaccrual Status

The following table shows the Company’s amortized cost basis of loans on nonaccrual status and loans past due 90 days and still accruing as of June 30, 2022 (dollars in thousands):

	June 30, 2022
	Nonaccrual		Nonaccrual With No ALLL		90 Days Past due and still Accruing
Construction and Land Development	$	581	$	—	$	1
Commercial Real Estate - Owner Occupied		4,996		955		792
Commercial Real Estate - Non-Owner Occupied		3,301		—		642
Multifamily Real Estate		—		—		—
Commercial & Industrial		2,728		1		322
Residential 1-4 Family - Commercial		2,031		—		184
Residential 1-4 Family - Consumer		12,084		—		1,112
Residential 1-4 Family - Revolving		3,069		—		997
Auto		279		—		134
Consumer		1		—		79
Other Commercial		—		—		329
Total LHFI	$	29,070	$	956	$	4,592

The following table shows the Company’s amortized cost basis of loans on nonaccrual status and loans past due 90 days and still accruing as of December 31, 2021 (dollars in thousands):

	December 31, 2021
	Nonaccrual		Nonaccrual With No ALLL		90 Days Past due and still Accruing
Construction and Land Development	$	2,697	$	1,985	$	299
Commercial Real Estate - Owner Occupied		5,637		970		1,257
Commercial Real Estate - Non-Owner Occupied		3,641		1,089		433
Multifamily Real Estate		113		—		—
Commercial & Industrial		1,647		1		1,897
Residential 1-4 Family - Commercial		2,285		—		990
Residential 1-4 Family - Consumer		11,397		—		3,013
Residential 1-4 Family - Revolving		3,406		—		882
Auto		223		—		241
Consumer		54		—		120
Total LHFI	$	31,100	$	4,045	$	9,132

Summary of Modified Loans that Continue to Accrue Interest Under the Terms of Restructuring Agreement

The following table provides a summary, by class, of TDRs that continue to accrue interest under the terms of the applicable restructuring agreement, which are considered to be performing, and TDRs that have been placed on nonaccrual status, which are considered to be nonperforming, as of June 30, 2022 and December 31, 2021 (dollars in thousands):

	June 30, 2022					December 31, 2021
	No. of	Recorded		Outstanding		No. of	Recorded		Outstanding
	Loans	Investment		Commitment		Loans	Investment		Commitment
Performing
Construction and Land Development	3	$	162	$	—	4	$	201	$	—
Commercial Real Estate - Owner Occupied	2		1,004		—	3		572		—
Residential 1-4 Family - Commercial	1		1,334		—	—		—		—
Residential 1-4 Family - Consumer	78		7,654		—	75		9,021		—
Residential 1-4 Family - Revolving	3		260		5	3		265		4
Consumer	2		14		—	2		15		—
Other Commercial	1		234		—	1		239		—
Total performing	90	$	10,662	$	5	88	$	10,313	$	4
Nonperforming
Commercial Real Estate - Owner Occupied	1	$	17	$	—	2	$	830	$	—
Commercial Real Estate - Non-Owner Occupied	3		1,206		—	3		1,357		—
Commercial & Industrial	3		634		—	3		729		—
Residential 1-4 Family - Commercial	3		377		—	3		388		—
Residential 1-4 Family - Consumer	25		4,966		—	24		4,239		—
Residential 1-4 Family - Revolving	3		98		—	3		99		—
Total nonperforming	38	$	7,298	$	—	38	$	7,642	$	—
Total performing and nonperforming	128	$	17,960	$	5	126	$	17,955	$	4

Schedule of TDR by Class and Modification Type

The following table shows, by class and modification type, TDRs that occurred during the three and six months ended June 30, 2022 and 2021 (dollars in thousands):

	Three Months Ended June 30, 2022			Six Months Ended June 30, 2022
		Recorded			Recorded
	No. of	Investment at		No. of	Investment at
	Loans	Period End		Loans	Period End
Modified to interest only, at a market rate
Residential 1-4 Family - Commercial	—	$	—	1	$	1,334
Total interest only at market rate of interest	—	$	—	1	$	1,334
Term modification, at a market rate
Commercial Real Estate - Owner Occupied	—	$	—	1	$	766
Total loan term extended at a market rate	—	$	—	1	$	766
Term modification, below market rate
Residential 1-4 Family - Consumer	6		259	12		1,111
Total loan term extended at a below market rate	6	$	259	12	$	1,111
Total	6	$	259	14	$	3,211

	Three Months Ended June 30, 2021			Six Months Ended June 30, 2021
		Recorded			Recorded
	No. of	Investment at		No. of	Investment at
	Loans	Period End		Loans	Period End
Modified to interest only, at a market rate
Total interest only at market rate of interest	—	$	—	—	$	—
Term modification, at a market rate
Residential 1-4 Family - Consumer	—	$	—	2	$	104
Total loan term extended at a market rate	—	$	—	2	$	104
Term modification, below market rate
Residential 1-4 Family - Consumer	3	$	1,382	11	$	1,824
Consumer	—		—	1		15
Total loan term extended at a below market rate	3	$	1,382	12	$	1,839
Interest rate modification, below market rate
Residential 1-4 Family - Commercial	—	$	—	1	$	45
Total interest only at below market rate of interest	—	$	—	1	$	45
Total	3	$	1,382	15	$	1,988

Allowance for Loan Loss Activity, by Portfolio Segment, Balances for Allowance for Credit Losses, and Loans Based on Impairment Methodology

The following tables show the ALLL activity by loan segment for the three and six months ended June 30, 2022 and 2021 (dollars in thousands):

	Three Months Ended June 30, 2022						Six Months Ended June 30, 2022
	Commercial		Consumer		Total		Commercial		Consumer		Total
Balance at beginning of period	$	79,771	$	22,820	$	102,591	$	77,902	$	21,885	$	99,787
Loans charged-off		(1,007)		(950)		(1,957)		(1,766)		(1,700)		(3,466)
Recoveries credited to allowance		392		626		1,018		1,118		1,413		2,531
Provision charged to operations		(1,743)		4,275		2,532		159		5,173		5,332
Balance at end of period	$	77,413	$	26,771	$	104,184	$	77,413	$	26,771	$	104,184

	Three Months Ended June 30, 2021						Six Months Ended June 30, 2021
	Commercial		Consumer		Total		Commercial		Consumer		Total
Balance at beginning of period	$	106,432	$	36,479	$	142,911	$	117,403	$	43,137	$	160,540
Loans charged-off		(891)		(1,054)		(1,945)		(2,865)		(2,721)		(5,586)
Recoveries credited to allowance		1,042		834		1,876		2,648		1,697		4,345
Provision charged to operations		(16,746)		(7,835)		(24,581)		(27,349)		(13,689)		(41,038)
Balance at end of period	$	89,837	$	28,424	$	118,261	$	89,837	$	28,424	$	118,261

Commercial Portfolio

Accounts, Notes, Loans and Financing Receivable [Line Items]

Loans Receivables Related Risk Rating

The table below details the amortized cost of the classes of loans within the Commercial segment by risk level and year of origination as of June 30, 2022 (dollars in thousands):

		June 30, 2022
		Term Loans Amortized Cost Basis by Origination Year
	2022		2021		2020		2019		2018		Prior		Revolving Loans		Total
Construction and Land Development
Pass	$	156,570	$	471,758	$	195,617	$	36,189	$	33,898	$	44,691	$	21,766	$	960,489
Watch		—		674		—		11,532		395		2,263		—		14,864
Special Mention		525		2,423		280		—		—		714		—		3,942
Substandard		1,252		2,841		41		215		1,367		3,368		—		9,084
Total Construction and Land Development	$	158,347	$	477,696	$	195,938	$	47,936	$	35,660	$	51,036	$	21,766	$	988,379
Commercial Real Estate - Owner Occupied
Pass	$	129,426	$	208,347	$	272,284	$	296,721	$	239,188	$	691,413	$	23,338	$	1,860,717
Watch		1,078		180		2,213		9,010		12,733		43,770		850		69,834
Special Mention		645		—		275		5,862		923		8,717		46		16,468
Substandard		—		200		—		2,096		1,629		14,159		599		18,683
Total Commercial Real Estate - Owner Occupied	$	131,149	$	208,727	$	274,772	$	313,689	$	254,473	$	758,059	$	24,833	$	1,965,702
Commercial Real Estate - Non-Owner Occupied
Pass	$	238,369	$	662,586	$	396,206	$	491,364	$	384,359	$	1,437,218	$	46,811	$	3,656,913
Watch		—		2,151		826		31,352		22,785		36,046		11		93,171
Special Mention		545		—		10,541		13,172		20,652		9,326		—		54,236
Substandard		—		—		—		22,979		19,084		14,284		152		56,499
Total Commercial Real Estate - Non-Owner Occupied	$	238,914	$	664,737	$	407,573	$	558,867	$	446,880	$	1,496,874	$	46,974	$	3,860,819
Commercial & Industrial
Pass	$	326,629	$	600,456	$	341,948	$	202,253	$	98,356	$	156,743	$	767,050	$	2,493,435
Watch		1,279		1,101		16,474		1,679		13,438		3,222		25,714		62,907
Special Mention		—		190		1,250		6,748		392		802		4,216		13,598
Substandard		—		565		217		4,210		14,958		1,827		4,174		25,951
Total Commercial & Industrial	$	327,908	$	602,312	$	359,889	$	214,890	$	127,144	$	162,594	$	801,154	$	2,595,891
Multifamily Real Estate
Pass	$	49,869	$	79,460	$	208,827	$	75,029	$	77,680	$	265,181	$	2,297	$	758,343
Watch		—		—		—		355		450		429		—		1,234
Special Mention		—		—		2,223		613		—		89		—		2,925
Total Multifamily Real Estate	$	49,869	$	79,460	$	211,050	$	75,997	$	78,130	$	265,699	$	2,297	$	762,502
Residential 1-4 Family - Commercial
Pass	$	27,352	$	103,370	$	82,187	$	56,185	$	39,218	$	216,212	$	1,105	$	525,629
Watch		—		—		625		870		3,002		5,947		115		10,559
Special Mention		—		—		1,495		—		4,807		3,629		—		9,931
Substandard		—		91		—		2,764		482		4,016		299		7,652
Total Residential 1-4 Family - Commercial	$	27,352	$	103,461	$	84,307	$	59,819	$	47,509	$	229,804	$	1,519	$	553,771
Other Commercial
Pass	$	152,527	$	218,874	$	162,699	$	119,323	$	3,745	$	75,548	$	35,913	$	768,629
Watch		—		—		—		—		558		5,235		—		5,793
Substandard		—		—		—		—		—		234		95		329
Total Other Commercial	$	152,527	$	218,874	$	162,699	$	119,323	$	4,303	$	81,017	$	36,008	$	774,751
Total Commercial
Pass	$	1,080,742	$	2,344,851	$	1,659,768	$	1,277,064	$	876,444	$	2,887,006	$	898,280	$	11,024,155
Watch		2,357		4,106		20,138		54,798		53,361		96,912		26,690		258,362
Special Mention		1,715		2,613		16,064		26,395		26,774		23,277		4,262		101,100
Substandard		1,252		3,697		258		32,264		37,520		37,888		5,319		118,198
Total Commercial	$	1,086,066	$	2,355,267	$	1,696,228	$	1,390,521	$	994,099	$	3,045,083	$	934,551	$	11,501,815

The table below details the amortized cost of the classes of loans within the Commercial segment by risk level and year of origination as of December 31, 2021 (dollars in thousands):

		December 31, 2021
		Term Loans Amortized Cost Basis by Origination Year
	2021		2020		2019		2018		2017		Prior		Revolving Loans		Total
Construction and Land Development
Pass	$	430,764	$	218,672	$	39,937	$	40,128	$	11,299	$	50,908	$	22,996	$	814,704
Watch		395		185		12,923		129		349		4,026		—		18,007
Special Mention		—		—		—		—		—		735		—		735
Substandard		3,541		1		221		19,264		198		5,565		—		28,790
Total Construction and Land Development	$	434,700	$	218,858	$	53,081	$	59,521	$	11,846	$	61,234	$	22,996	$	862,236
Commercial Real Estate - Owner Occupied
Pass	$	222,079	$	279,165	$	321,503	$	263,422	$	179,994	$	555,540	$	19,705	$	1,841,408
Watch		185		18		7,959		10,875		14,648		57,466		702		91,853
Special Mention		—		932		11,826		610		1,052		19,480		507		34,407
Substandard		200		153		7,455		2,538		1,935		14,834		626		27,741
Total Commercial Real Estate - Owner Occupied	$	222,464	$	280,268	$	348,743	$	277,445	$	197,629	$	647,320	$	21,540	$	1,995,409
Commercial Real Estate - Non-Owner Occupied
Pass	$	642,386	$	421,063	$	520,035	$	377,176	$	374,949	$	1,102,193	$	36,568	$	3,474,370
Watch		2,152		841		35,721		39,356		18,242		101,797		14		198,123
Special Mention		—		10,609		25,691		20,119		12,741		4,775		—		73,935
Substandard		—		—		23,376		11,369		—		7,952		252		42,949
Total Commercial Real Estate - Non-Owner Occupied	$	644,538	$	432,513	$	604,823	$	448,020	$	405,932	$	1,216,717	$	36,834	$	3,789,377
Commercial & Industrial
Pass	$	770,662	$	450,478	$	287,926	$	110,710	$	38,395	$	170,857	$	619,583	$	2,448,611
Watch		1,233		9,641		2,766		31,635		1,370		4,405		17,220		68,270
Special Mention		206		935		8,477		1,023		564		561		3,249		15,015
Substandard		379		575		3,636		1,965		463		1,639		1,690		10,347
Total Commercial & Industrial	$	772,480	$	461,629	$	302,805	$	145,333	$	40,792	$	177,462	$	641,742	$	2,542,243
Multifamily Real Estate
Pass	$	63,431	$	187,616	$	108,402	$	114,077	$	66,562	$	228,013	$	1,548	$	769,649
Watch		—		—		359		459		—		522		—		1,340
Special Mention		44		2,248		624		4,517		—		91		—		7,524
Substandard		—		—		—		—		—		113		—		113
Total Multifamily Real Estate	$	63,475	$	189,864	$	109,385	$	119,053	$	66,562	$	228,739	$	1,548	$	778,626
Residential 1-4 Family - Commercial
Pass	$	108,259	$	94,184	$	65,682	$	46,267	$	55,995	$	196,052	$	550	$	566,989
Watch		—		2,041		4,887		7,483		2,415		7,573		311		24,710
Special Mention		—		96		—		436		391		4,126		—		5,049
Substandard		93		—		3,494		536		1,291		4,876		299		10,589
Total Residential 1-4 Family - Commercial	$	108,352	$	96,321	$	74,063	$	54,722	$	60,092	$	212,627	$	1,160	$	607,337
Other Commercial
Pass	$	226,595	$	167,497	$	98,848	$	5,620	$	25,723	$	44,114	$	30,445	$	598,842
Watch		—		—		—		581		1,246		4,341		—		6,168
Special Mention		—		—		—		—		2		—		—		2
Substandard		—		—		—		—		—		239		—		239
Total Other Commercial	$	226,595	$	167,497	$	98,848	$	6,201	$	26,971	$	48,694	$	30,445	$	605,251
Total Commercial
Pass	$	2,464,176	$	1,818,675	$	1,442,333	$	957,400	$	752,917	$	2,347,677	$	731,395	$	10,514,573
Watch		3,965		12,726		64,615		90,518		38,270		180,130		18,247		408,471
Special Mention		250		14,820		46,618		26,705		14,750		29,768		3,756		136,667
Substandard		4,213		729		38,182		35,672		3,887		35,218		2,867		120,768
Total Commercial	$	2,472,604	$	1,846,950	$	1,591,748	$	1,110,295	$	809,824	$	2,592,793	$	756,265	$	11,180,479

Consumer Portfolio

Accounts, Notes, Loans and Financing Receivable [Line Items]

Loans Receivables Related Risk Rating

For Consumer loans, the Company evaluates credit quality based on the delinquency status of the loan. The following table details the amortized cost of the classes of loans within the Consumer segment based on their delinquency status and year of origination as of June 30, 2022 (dollars in thousands):

		June 30, 2022
		Term Loans Amortized Cost Basis by Origination Year
	2022		2021		2020		2019		2018		Prior		Revolving Loans		Total
Residential 1-4 Family - Consumer
Current	$	124,295	$	246,560	$	165,049	$	39,693	$	24,195	$	249,933	$	13	$	849,738
30-59 Days Past Due		—		—		—		65		152		377		—		594
60-89 Days Past Due		—		—		—		40		225		1,381		—		1,646
90+ Days Past Due		—		—		—		45		—		1,067		—		1,112
Nonaccrual		—		436		—		270		854		10,524		—		12,084
Total Residential 1-4 Family - Consumer	$	124,295	$	246,996	$	165,049	$	40,113	$	25,426	$	263,282	$	13	$	865,174
Residential 1-4 Family - Revolving
Current	$	52,236	$	15,442	$	6,011	$	1,762	$	851	$	480	$	500,126	$	576,908
30-59 Days Past Due		—		—		—		—		—		—		1,368		1,368
60-89 Days Past Due		—		—		—		—		—		—		731		731
90+ Days Past Due		—		—		—		—		—		—		997		997
Nonaccrual		—		—		60		—		16		—		2,993		3,069
Total Residential 1-4 Family - Revolving	$	52,236	$	15,442	$	6,071	$	1,762	$	867	$	480	$	506,215	$	583,073
Auto
Current	$	146,027	$	183,137	$	100,055	$	57,027	$	22,705	$	13,883	$	—	$	522,834
30-59 Days Past Due		189		631		267		339		176		239		—		1,841
60-89 Days Past Due		24		54		55		53		—		27		—		213
90+ Days Past Due		26		10		54		41		—		3		—		134
Nonaccrual		—		32		92		93		21		41		—		279
Total Auto	$	146,266	$	183,864	$	100,523	$	57,553	$	22,902	$	14,193	$	—	$	525,301
Consumer
Current	$	31,089	$	19,340	$	13,178	$	30,036	$	22,274	$	23,930	$	39,547	$	179,394
30-59 Days Past Due		6		3		48		107		115		56		26		361
60-89 Days Past Due		52		—		13		70		70		5		—		210
90+ Days Past Due		—		45		1		1		31		—		1		79
Nonaccrual		—		—		—		—		—		1		—		1
Total Consumer	$	31,147	$	19,388	$	13,240	$	30,214	$	22,490	$	23,992	$	39,574	$	180,045
Total Consumer
Current	$	353,647	$	464,479	$	284,293	$	128,518	$	70,025	$	288,226	$	539,686	$	2,128,874
30-59 Days Past Due		195		634		315		511		443		672		1,394		4,164
60-89 Days Past Due		76		54		68		163		295		1,413		731		2,800
90+ Days Past Due		26		55		55		87		31		1,070		998		2,322
Nonaccrual		—		468		152		363		891		10,566		2,993		15,433
Total Consumer	$	353,944	$	465,690	$	284,883	$	129,642	$	71,685	$	301,947	$	545,802	$	2,153,593

The following table details the amortized cost of the classes of loans within the Consumer segment based on their delinquency status and year of origination as of December 31, 2021 (dollars in thousands):

		December 31, 2021
		Term Loans Amortized Cost Basis by Origination Year
	2021		2020		2019		2018		2017		Prior		Revolving Loans		Total
Residential 1-4 Family - Consumer
Current	$	248,904	$	174,459	$	47,905	$	33,809	$	44,179	$	246,554	$	11	$	795,821
30-59 Days Past Due		—		157		143		807		460		1,801		—		3,368
60-89 Days Past Due		—		—		—		624		107		2,194		—		2,925
90+ Days Past Due		—		—		46		20		304		2,643		—		3,013
Nonaccrual		444		—		117		884		1,330		8,622		—		11,397
Total Residential 1-4 Family - Consumer	$	249,348	$	174,616	$	48,211	$	36,144	$	46,380	$	261,814	$	11	$	816,524
Residential 1-4 Family - Revolving
Current	$	16,546	$	9,511	$	2,230	$	1,056	$	—	$	484	$	524,825	$	554,652
30-59 Days Past Due		—		—		—		—		—		—		1,493		1,493
60-89 Days Past Due		—		—		—		—		—		—		363		363
90+ Days Past Due		—		—		—		—		—		—		882		882
Nonaccrual		—		63		—		18		—		—		3,325		3,406
Total Residential 1-4 Family - Revolving	$	16,546	$	9,574	$	2,230	$	1,074	$	—	$	484	$	530,888	$	560,796
Auto
Current	$	207,229	$	123,848	$	72,427	$	31,745	$	16,020	$	7,204	$	—	$	458,473
30-59 Days Past Due		299		382		518		259		245		163		—		1,866
60-89 Days Past Due		45		29		95		33		36		11		—		249
90+ Days Past Due		55		101		42		20		23		—		—		241
Nonaccrual		—		81		55		27		27		33		—		223
Total Auto	$	207,628	$	124,441	$	73,137	$	32,084	$	16,351	$	7,411	$	—	$	461,052
Consumer
Current	$	25,084	$	16,059	$	38,594	$	30,890	$	12,853	$	16,929	$	35,534	$	175,943
30-59 Days Past Due		31		94		201		186		63		26		88		689
60-89 Days Past Due		11		13		62		60		34		—		6		186
90+ Days Past Due		1		4		33		72		8		—		2		120
Nonaccrual		—		—		—		—		—		54		—		54
Total Consumer	$	25,127	$	16,170	$	38,890	$	31,208	$	12,958	$	17,009	$	35,630	$	176,992
Total Consumer
Current	$	497,763	$	323,877	$	161,156	$	97,500	$	73,052	$	271,171	$	560,370	$	1,984,889
30-59 Days Past Due		330		633		862		1,252		768		1,990		1,581		7,416
60-89 Days Past Due		56		42		157		717		177		2,205		369		3,723
90+ Days Past Due		56		105		121		112		335		2,643		884		4,256
Nonaccrual		444		144		172		929		1,357		8,709		3,325		15,080
Total Consumer	$	498,649	$	324,801	$	162,468	$	100,510	$	75,689	$	286,718	$	566,529	$	2,015,364