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

9 Months Ended

Sep. 30, 2022

OFF BALANCE SHEET RISKS, COMMITMENTS AND CONTINGENT LIABILITIES

Commitments Exclusive of Mortgage Bank Loan Commitments

(in thousands)	September 30, 2022		December 31, 2021
Unused warehouse lines of credit	$	739,723	$	565,950
Unused home equity lines of credit		395,240		348,681
Unused loan commitments - other		857,333		828,229
Standby letters of credit		10,373		11,305
FHLB letter of credit		643		643
Total commitments	$	2,003,312	$	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	$	162	$	28	$	—	$	—	$	190	$	140	$	—	$	—	$	—	$	140
Unused home equity lines of credit		277		20		—		—		297		213		29		—		—		242
Unused loan commitments - other		661		32		—		—		693		581		(26)		—		—		555
Total	$	1,100	$	80	$	—	$	—	$	1,180	$	934	$	3	$	—	$	—	$	937

	ACLC Rollforward
	Nine Months Ended September 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	$	36	$	—	$	—	$	190	$	79	$	61	$	—	$	—	$	140
Unused home equity lines of credit		247		50		—		—		297		173		69		—		—		242
Unused loan commitments - other		651		42		—		—		693		737		(182)		—		—		555
Total	$	1,052	$	128	$	—	$	—	$	1,180	$	989	$	(52)	$	—	$	—	$	937