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

6 Months Ended

Jun. 30, 2022

OFF BALANCE SHEET RISKS, COMMITMENTS AND CONTINGENT LIABILITIES

Commitments Exclusive of Mortgage Bank Loan Commitments

(in thousands)	June 30, 2022		December 31, 2021
Unused warehouse lines of credit	$	865,822	$	565,950
Unused home equity lines of credit		368,820		348,681
Unused loan commitments - other		828,583		828,229
Standby letters of credit		10,951		11,305
FHLB letter of credit		643		643
Total commitments	$	2,074,819	$	1,754,808

Schedule of rollforward of the Off Balance Sheet risks ACLC

	ACLC Rollforward
	Three Months Ended
	2022										2021
	Beginning				Charge-				Ending		Beginning				Charge-				Ending
(in thousands)	Balance		Provision		offs		Recoveries		Balance		Balance		Provision		offs		Recoveries		Balance
Loan Commitments
Unused warehouse lines of credit	$	130	$	32	$	—	$	—	$	162	$	116	$	24	$	—	$	—	$	140
Unused home equity lines of credit		256		21		—		—		277		194		19		—		—		213
Unused loan commitments - other		654		7		—		—		661		705		(124)		—		—		581
Total	$	1,040	$	60	$	—	$	—	$	1,100	$	1,015	$	(81)	$	—	$	—	$	934

	ACLC Rollforward
	Six Months Ended June 30,
	2022										2021
	Beginning				Charge-				Ending		Beginning				Charge-				Ending
(in thousands)	Balance		Provision		offs		Recoveries		Balance		Balance		Provision		offs		Recoveries		Balance
Loan Commitments
Unused warehouse lines of credit	$	154	$	8	$	—	$	—	$	162	$	79	$	61	$	—	$	—	$	140
Unused home equity lines of credit		247		30		—		—		277		173		40		—		—		213
Unused loan commitments - other		651		10		—		—		661		737		(156)		—		—		581
Total	$	1,052	$	48	$	—	$	—	$	1,100	$	989	$	(55)	$	—	$	—	$	934