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

6 Months Ended

Jun. 30, 2020

OFF BALANCE SHEET RISKS, COMMITMENTS AND CONTINGENT LIABILITIES

Commitments Exclusive of Mortgage Bank Loan Commitments

(in thousands)	June 30, 2020		December 31, 2019
Unused warehouse lines of credit	$	174,220	$	436,541
Unused home equity lines of credit		362,177		363,195
Unused loan commitments - other		803,204		757,657
Standby letters of credit		10,791		11,252
FHLB letter of credit		643		2,485
Total commitments	$	1,351,035	$	1,571,130

Schedule of rollforward of the Off Balance Sheet risks ACLC

	ACLC Rollforward
	Three Months Ended June 30, 2020
	Beginning		ASC 326				Charge-				Ending
(in thousands)	Balance		Adoption		Provision		offs		Recoveries		Balance
Loan Commitments
Unused warehouse lines of credit	$	55	$	—	$	3	$	—	$	—	$	58
Unused home equity lines of credit		112		—		12		—		—		124
Unused loan commitments - other		391		—		63		—		—		454
Total	$	558	$	—	$	78	$	—	$	—	$	636

	ACLC Rollforward
	Six Months Ended June 30, 2020
	Beginning		ASC 326				Charge-				Ending
(in thousands)	Balance		Adoption		Provision		offs		Recoveries		Balance
Loan Commitments
Unused warehouse lines of credit	$	—	$	55	$	3	$	—	$	—	$	58
Unused home equity lines of credit		—		89		35		—		—		124
Unused loan commitments - other		—		312		142		—		—		454
Total	$	—	$	456	$	180	$	—	$	—	$	636