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

6 Months Ended

Jun. 30, 2024

OFF BALANCE SHEET RISKS, COMMITMENTS AND CONTINGENT LIABILITIES

Commitments Exclusive of Mortgage Bank Loan Commitments

(in thousands)	June 30, 2024		December 31, 2023
Unused warehouse lines of credit	$	408,988	$	623,277
Unused home equity lines of credit		462,307		446,006
Unused loan commitments - other		1,095,460		1,159,284
Standby letters of credit		10,934		11,012
Total commitments	$	1,977,689	$	2,239,579

Schedule of roll-forward of the ACLC

	ACLC Roll-forward
	Three Months Ended
	2024										2023
	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	$	108	$	(31)	$	—	$	—	$	77	$	198	$	(53)	$	—	$	—	$	145
Unused home equity lines of credit		86		24		—		—		110		341		12		—		—		353
Unused construction lines of credit		641		(50)		—		—		591		547		86		—		—		633
Unused loan commitments - other		395		(63)		—		—		332		374		25		—		—		399
Total	$	1,230	$	(120)	$	—	$	—	$	1,110	$	1,460	$	70	$	—	$	—	$	1,530

	ACLC Roll-forward
	Six Months Ended June 30,
	2024										2023
	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	$	116	$	(39)	$	—	$	—	$	77	$	190	$	(45)	$	—	$	—	$	145
Unused home equity lines of credit		55		55		—		—		110		332		21		—		—		353
Unused construction lines of credit		820		(229)		—		—		591		384		249		—		—		633
Unused loan commitments - other		349		(17)		—		—		332		344		55		—		—		399
Total	$	1,340	$	(230)	$	—	$	—	$	1,110	$	1,250	$	280	$	—	$	—	$	1,530