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

9 Months Ended

Sep. 30, 2024

OFF BALANCE SHEET RISKS, COMMITMENTS AND CONTINGENT LIABILITIES

Commitments Exclusive of Mortgage Bank Loan Commitments

(in thousands)	September 30, 2024		December 31, 2023
Unused warehouse lines of credit	$	307,837	$	623,277
Unused home equity lines of credit		471,527		446,006
Unused loan commitments - other		1,113,019		1,159,284
Standby letters of credit		10,761		11,012
Total commitments	$	1,903,144	$	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	$	77	$	2	$	—	$	—	$	79	$	145	$	(43)	$	—	$	—	$	102
Unused home equity lines of credit		110		24		—		—		134		353		(315)		—		—		38
Unused construction lines of credit		591		(64)		—		—		527		633		225		—		—		858
Unused loan commitments - other		332		(72)		—		—		260		399		(57)		—		—		342
Total	$	1,110	$	(110)	$	—	$	—	$	1,000	$	1,530	$	(190)	$	—	$	—	$	1,340

	ACLC Roll-forward
	Nine Months Ended September 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	$	(37)	$	—	$	—	$	79	$	190	$	(88)	$	—	$	—	$	102
Unused home equity lines of credit		55		79		—		—		134		332		(294)		—		—		38
Unused construction lines of credit		820		(293)		—		—		527		384		474		—		—		858
Unused loan commitments - other		349		(89)		—		—		260		344		(2)		—		—		342
Total	$	1,340	$	(340)	$	—	$	—	$	1,000	$	1,250	$	90	$	—	$	—	$	1,340