OFF BALANCE SHEET RISKS, COMMITMENTS AND CONTINGENT LIABILITIES (Tables)

3 Months Ended

Mar. 31, 2020

OFF BALANCE SHEET RISKS, COMMITMENTS AND CONTINGENT LIABILITIES

Bank Commitment Exclusive of Mortgage Bank Loan Commitments

(in thousands)	March 31, 2020		December 31, 2019
Unused warehouse lines of credit	$	318,546	$	436,541
Unused home equity lines of credit		361,425		363,195
Unused loan commitments - other		772,367		757,657
Standby letters of credit		10,804		11,252
FHLB letter of credit		2,485		2,485
Total commitments	$	1,465,627	$	1,571,130

Schedule of rollforward of the Off Balance Sheet risks ACLC

	ACLC Rollforward
	Three Months Ended March 31, 2020
	Beginning		ASC 326				Charge-				Ending
(in thousands)	Balance		Adoption		Provision		offs		Recoveries		Balance
Loan Commitments
Unused warehouse lines of credit	$	—	$	55	$	—	$	—	$	—	$	55
Unused home equity lines of credit		—		89		23		—		—		112
Unused loan commitments - other		—		312		79		—		—		391
Total	$	—	$	456	$	102	$	—	$	—	$	558