Investor Presentaiton
Allowance for Credit Losses
Allocation of Allowance by Segment
($ Thousands)
Allowance for Credit Losses
CECL Adoption
January 1, 2020
December 31, 2022
Loans
(Excl LHFS)
ACL
Amount
ACL % of
Loans
Loans
(Excl LHFS)
ACL
Amount
March 31, 2023
ACL % of
Loans
Loans
ACL
ACL % of
(Excl LHFS) Amount
Loans
Commercial real estate:
CRE non-owner occupied
CRE owner occupied
Multifamily
$ 1,609,556 $
546,434
12,649
4,308
0.79%
0.79%
$ 2,149,725 $
984,807
517,725
5,633 1.09%
944,537
30,962
14,014 1.42%
13,132 1.39%
1.44%
$ 2,161,059 $
32,963
1.53%
971,210
14,559
1.50%
946,693
13,873
1.47%
Farmland
145,067
1,253 0.86%
280,014
3,273 1.17%
274,997
3,542
1.29%
Total commercial real estate loans
$ 2,818,782 $
23,843
0.85%
$ 4,359,083 $
61,381
1.41%
$ 4,353,959 $
64,937
1.49%
Consumer:
SFR 1-4 1st DT
$ 509,508 $
SFR HELOCs and junior liens
Other
362,886
Total consumer loans
$
82,656
955,050 $
4,981
10,821
2,566 3.10%
0.98%
2.98%
$
790,349 $
11,268
1.43%
393,666
11,413 2.90%
56,728
1,958 3.45%
$ 803,407 $
375,591
54,799
11,920 1.48%
10,914 2.91%
2,062 3.76%
18,368
1.92%
$ 1,240,743 $
24,639
1.99%
$ 1,233,797
$
24,896 2.02%
Commercial and industrial
$ 249,791 $
2,906
1.16%
$ 569,921 $
13,597
2.39%
$ 553,098 $
12,069 2.18%
Construction
249,827
4,321
1.73%
211,560
5,142
2.43%
225,996
5,655
2.50%
Agriculture production
32,633
82
0.25%
61,414
906
1.48%
47,062
833
1.77%
Leases
1,283
9
0.70%
7,726
15
0.19%
8,509
17
0.20%
Total Loans and ACL
$ 4,307,366 $
49,529
1.15%
$ 6,450,447 $ 105,680
1.64%
$ 6,422,421 $ 108,407
1.69%
Reserve for Unfunded Loan Commitments
Allowance for Credit Losses
$ 4,307,366 $
2,775
52,304
4,315
4,195
1.21%
Discounts on Acquired Loans
Total ACL Plus Discounts
$ 4,307,366 $
33,033
85,337
$ 6,450,447 $ 109,995
30,488
1.71%
$ 6,422,421 $ 112,602
1.75%
29,092
1.98%
$ 6,450,447 $ 140,483
2.18%
$ 6,422,421 $ 141,694 2.21%
➤ Municipal loans included in Commercial and industrial segment within the presented table
27
Investor Presentation | First Quarter 2023
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