| Allowance for Credit Losses | Allowance for Credit Losses The following tables present the changes in the allowance for loan and lease losses and the recorded investment in loans and leases by portfolio segment for the periods indicated: Year Ended December 31, 2022 Commercial Commercial Consumer Total (In Thousands) Balance at December 31, 2021 $ 69,213 $ 27,055 $ 2,816 $ 99,084 Charge-offs (37) (5,068) (28) (5,133) Recoveries 24 1,725 64 1,813 (Credit) provision for loan and lease losses excluding unfunded commitments (1,046) 2,892 872 2,718 Balance at December 31, 2022 $ 68,154 $ 26,604 $ 3,724 $ 98,482 Year Ended December 31, 2021 Commercial Commercial Consumer Total (In Thousands) Balance at December 31, 2020 $ 80,132 $ 29,498 $ 4,749 $ 114,379 Charge-offs (28) (7,464) (34) (7,526) Recoveries 12 1,541 239 1,792 Provision for loan and lease losses excluding unfunded commitments (10,903) 3,480 (2,138) (9,561) Balance at December 31, 2021 $ 69,213 $ 27,055 $ 2,816 $ 99,084 The allowance for credit losses for unfunded credit commitments, which is included in other liabilities, was $20.6 million and $14.8 million at December 31, 2022 and December 31, 2021, respectively. The increase in allowance for unfunded commitments was primarily driven by the increase in such commitments from $1.7 billion at December 31, 2021 to $5.8 billion at December 31, 2022. No credit commitments were charged off against the liability account in the years ended December 31, 2022 and 2021. Provision for Credit Losses The (credit) provisions for credit losses are set forth below for the periods indicated: Year Ended December 31, 2022 2021 2020 (In Thousands) Provision (credit) for loan and lease losses: Commercial real estate $ (1,046) $ (10,903) $ 41,573 Commercial 2,892 3,480 17,050 Consumer 872 (2,138) 1,003 Total provision (credit) for loan and lease losses 2,718 (9,561) 59,626 Unfunded credit commitments 5,807 1,724 2,260 Investment securities available-for-sale 102 — — Total provision (credit) for credit losses $ 8,627 $ (7,837) $ 61,886 Allowance for Credit Losses Methodology Management has established a methodology to determine the adequacy of the allowance for credit losses that assesses the risks and losses expected on the loan and lease portfolio and unfunded commitments. Additions to the allowance for credit losses are made by charges to the provision for credit losses. Losses on loans and leases are charged off against the allowance when all or a portion of a loan or lease is considered uncollectible. Subsequent recoveries on loans previously charged off, if any, are credited to the allowance when realized. To calculate the allowance for loans collectively evaluated, management uses models developed by a third party. Commercial real estate ("CRE"), commercial and industrial ("C&I"), and retail lifetime loss rate models calculate the expected losses over the life of the loan based on exposure at default loan attributes and reasonable, supportable economic forecasts. The exposure at default considers the current unpaid balance, prepayment assumptions and expected utilization assumptions. The expected loss estimates for two small commercial portfolios are based on historical loss rates. Key assumptions used in the models include portfolio segmentation, prepayments, and the expected utilization of unfunded commitments, among others. The portfolios are segmented by loan level attributes such as loan type, loan size, date of origination, and delinquency status to create homogenous loan pools. Pool level metrics are calculated and loss rates are subsequently applied to the pools as the loans have like characteristics. Prepayment assumptions are embedded within the models and are based on the same data used for model development and incorporate adjustments for reasonable and supportable forecasts. Model development data and developmental time periods vary by model, but all use at least ten years of historical data and capture at least one recessionary period. Expected utilization is based on current utilization and a loan equivalency ("LEQ") factor. LEQ varies by current utilization and provides a reasonable estimate of expected draws and borrower behavior. Assumptions and model inputs are reviewed in accordance with model monitoring practices and as information becomes available . The ACL estimate incorporates reasonable and supportable forecasts of various macro-economic variables over the remaining life of loans and leases. The development of the reasonable and supportable forecast assume each macro-economic variable will revert to long-term expectations, with reversion characteristics unique to specific economic indicators and forecasts. Reversion towards long-term expectations generally begins two Management elected to use multiple economic forecasts in determining the reserve to account for economic uncertainty. The forecasts include various projections of Gross Domestic Product ("GDP"), interest rates, property price indices, and employment measures. Scenario weighting and model parameters are reviewed for each calculation and updated to reflect facts and circumstances as of the financial statement date. The forecasts utilized at December 31, 2022 reflect the immediate and longer-term effects of a rising interest rate environment and inflationary conditions. As of December 31, 2022, management applied qualitative adjustments to the CRE lifetime loss rate, C&I lifetime loss rate, and retail lifetime loss rate models. These adjustments addressed model limitations, were based on historical loss patterns, and targeted specific risks within the certain portfolios. A general qualitative adjustment was applied to all models to account for general economic uncertainty by placing a greater probability on negative economic forecasts. Additional qualitative adjustments were applied to the commercial, multifamily, and commercial real estate (includes owner occupied, non-owner occupied, and construction) portfolios based on the Company’s historical loss experience and the loss experience of the Company’s peer group. High risk segments of the Eastern Funding portfolios also received additional qualitative adjustments based on recent loss history and expected liquidation values. These qualitative adjustments resulted in additions to reserves for all portfolios, as compared to the model output. Specific reserves are established for loans individually evaluated for impairment when amortized cost basis is greater than the discounted present value of expected future cash flows or, in the case of collateral-dependent loans, when there is an excess of a loan's amortized cost basis over the fair value of its underlying collateral. When loans and leases do not share risk characteristics with other financial assets they are evaluated individually. Individually evaluated loans are reviewed quarterly with adjustments made to the calculated reserve as necessary. The general allowance for loan and lease losses was $95.4 million as of December 31, 2022, compared to $95.8 million as of December 31, 2021. The overall decline in the general allowance for credit losses is mostly attributable to further normalizing of economic forecasts offset by loan growth during the year. The specific allowance for loan and lease losses was $3.1 million as of December 31, 2022, compared to $3.3 million as of December 31, 2021. The decrease of $0.2 million was primarily driven by a $2.4 million decrease in specific reserve for select equipment financing relationships offset by a $2.2 million increase in the specific reserve for C&I relationships. As of December 31, 2022, management believes that the methodology for calculating the allowance is sound and that the allowance provides a reasonable basis for determining and reporting on expected losses over the lifetime of the Company’s loan portfolio. Credit Quality Assessment At the time of loan origination, a rating is assigned based on the capacity to pay and general financial strength of the borrower, the value of assets pledged as collateral, and the evaluation of third party support such as a guarantor. The Company continually monitors the credit quality of the loan portfolio using all available information. The officer responsible for handling each loan is required to initiate changes to risk ratings when changes in facts and circumstances occur that warrant an upgrade or downgrade in a loan rating. Based on this information, loans demonstrating certain payment issues or other weaknesses may be categorized as delinquent, adversely risk-rated, nonperforming and/or put on nonaccrual status. Additionally, in the course of resolving such loans, the Company may choose to restructure the contractual terms of certain loans to match the borrower's ability to repay the loan based on their current financial condition. If a restructured loan meets certain criteria, it may be categorized as a TDR loan. The Company reviews numerous credit quality indicators when assessing the risk in its loan portfolio. For all loans, the Company utilizes an eight-grade loan rating system, which assigns a risk rating to each borrower based on a number of quantitative and qualitative factors associated with a loan transaction. Factors considered include industry and market conditions; position within the industry; earnings trends; operating cash flow; asset/liability values; debt capacity; guarantor strength; management and controls; financial reporting; collateral; and other considerations. In addition, the Company's independent loan review group evaluates the credit quality and related risk ratings in all loan portfolios. The results of these reviews are reported to the Risk Committee of the Board of Directors on a periodic basis and annually to the Board of Directors. For the consumer loans, the Company heavily relies on payment status for calibrating credit risk. The ratings categories used for assessing credit risk in the commercial real estate, multi-family mortgage, construction, commercial, equipment financing, condominium association and other consumer loan and lease classes are defined as follows: 1 -4 Rating—Pass Loan rating grades "1" through "4" are classified as "Pass," which indicates borrowers are performing in accordance with the terms of the loan and are less likely to result in loss due to the capacity of the borrower to pay and the adequacy of the value of assets pledged as collateral. 5 Rating—Other Assets Especially Mentioned ("OAEM") Borrowers exhibit potential credit weaknesses or downward trends deserving management's attention. If not checked or corrected, these trends will weaken the Company's asset and position. While potentially weak, currently these borrowers are marginally acceptable; no loss of principal or interest is envisioned. 6 Rating—Substandard Borrowers exhibit well defined weaknesses that jeopardize the orderly liquidation of debt. Substandard loans may be inadequately protected by the current net worth and paying capacity of the obligors or by the collateral pledged, if any. Normal repayment from the borrower is in jeopardy. Although no loss of principal is envisioned, there is a distinct possibility that a partial loss of interest and/or principal will occur if the deficiencies are not corrected. Collateral coverage may be inadequate to cover the principal obligation. 7 Rating—Doubtful Borrowers exhibit well-defined weaknesses that jeopardize the orderly liquidation of debt with the added provision that the weaknesses make collection of the debt in full, on the basis of currently existing facts, conditions, and values, highly questionable and improbable. Serious problems exist to the point where partial loss of principal is likely. 8 Rating—Definite Loss Borrowers deemed incapable of repayment. Loans to such borrowers are considered uncollectible and of such little value that continuation as active assets of the Company is not warranted. Assets rated as "OAEM," "substandard" or "doubtful" based on criteria established under banking regulations are collectively referred to as "criticized" assets. Credit Quality Information The following tables present the recorded investment in loans in each class as of December 31, 2022 and December 31, 2021 by credit quality indicator and year originated. December 31, 2022 2022 2021 2020 2019 2018 Prior Revolving Loans Revolving Loans Converted to Term Loans Total (In Thousands) Commercial Real Estate Pass $ 475,105 $ 622,952 $ 290,913 $ 362,339 $ 210,954 $ 971,274 $ 55,464 $ 9,167 $ 2,998,168 OAEM — 2,600 112 14,805 2,841 25,875 — — 46,233 Substandard — — — — — 2,345 — — 2,345 Total 475,105 625,552 291,025 377,144 213,795 999,494 55,464 9,167 3,046,746 Multi-Family Mortgage Pass 162,139 226,502 132,893 114,109 142,271 324,415 4,823 36,662 1,143,814 Substandard — — — — — 6,783 — — 6,783 Total 162,139 226,502 132,893 114,109 142,271 331,198 4,823 36,662 1,150,597 Construction Pass 82,650 73,995 13,787 16,421 3,306 — 6,456 — 196,615 OAEM 842 8,641 — — — — — — 9,483 Substandard — — — — — 707 — — 707 Total 83,492 82,636 13,787 16,421 3,306 707 6,456 — 206,805 Commercial Pass 178,212 116,674 48,713 22,809 29,350 52,866 273,467 1,071 723,162 OAEM — 109 — 14,821 — — 2,187 — 17,117 Substandard — 3,835 1,215 494 — 30 6,461 632 12,667 Doubtful — — — — — 1 — 1 2 Total 178,212 120,618 49,928 38,124 29,350 52,897 282,115 1,704 752,948 December 31, 2022 2022 2021 2020 2019 2018 Prior Revolving Loans Revolving Loans Converted to Term Loans Total (In Thousands) Equipment Financing Pass 443,323 282,398 185,007 140,931 76,595 60,980 13,236 1,301 1,203,771 OAEM 1,019 1,453 184 455 13 — — — 3,124 Substandard 608 784 1,514 2,597 2,503 1,669 — — 9,675 Doubtful — — — — 2 13 — — 15 Total 444,950 284,635 186,705 143,983 79,113 62,662 13,236 1,301 1,216,585 Condominium Association Pass 5,821 7,743 8,810 5,858 1,603 12,227 4,823 23 46,908 Substandard — — — — — 58 — — 58 Total 5,821 7,743 8,810 5,858 1,603 12,285 4,823 23 46,966 Other Consumer Pass 411 393 15 13 1,503 750 53,418 1 56,504 Substandard — — — — — — 1 — 1 Total 411 393 15 13 1,503 750 53,419 1 56,505 Total Pass 1,347,661 1,330,657 680,138 662,480 465,582 1,422,512 411,687 48,225 6,368,942 OAEM 1,861 12,803 296 30,081 2,854 25,875 2,187 — 75,957 Substandard 608 4,619 2,729 3,091 2,503 11,592 6,462 632 32,236 Doubtful — — — — 2 14 — 1 17 Total $ 1,350,130 $ 1,348,079 $ 683,163 $ 695,652 $ 470,941 $ 1,459,993 $ 420,336 $ 48,858 $ 6,477,152 As of December 31, 2022, there were no loans categorized as definite loss. The following table presents the recorded investment in loans in each class as of December 31, 2021 by credit quality indicator. At December 31, 2021 Commercial Real Estate Multi-Family Mortgage Construction Commercial Equipment Financing Condominium Association Other Consumer Total (In Thousands) Loan rating: Pass $ 2,782,983 $ 1,098,629 $ 156,636 $ 721,245 $ 1,088,197 $ 47,053 $ 40,387 $ 5,935,130 OAEM 46,585 1,189 — 8,324 2,176 — — 58,274 Substandard 13,223 — 3,795 4,817 15,224 84 1 37,144 Doubtful — — — 2 14 — — 16 Total loans $ 2,842,791 $ 1,099,818 $ 160,431 $ 734,388 $ 1,105,611 $ 47,137 $ 40,388 $ 6,030,564 As of December 31, 2021, there were no loans categorized as definite loss. For residential mortgage and home equity loans, the borrowers' credit scores contribute as a reserve metric in the retail loss rate model. December 31, 2022 2022 2021 2020 2019 2018 Prior Revolving Loans Revolving Loans Converted to Term Loans Total (In Thousands) Residential Credit Scores Over 700 $ 108,125 $ 176,341 $ 95,484 $ 61,763 $ 38,949 $ 132,359 $ 4,942 $ 348 $ 618,311 661 - 700 15,018 21,450 17,611 11,388 8,308 29,999 — — 103,774 600 and below 6,133 3,754 5,275 2,833 2,264 14,688 — — 34,947 Data not available* 28,097 6,661 712 3,316 — 48,796 — — 87,582 Total 157,373 208,206 119,082 79,300 49,521 225,842 4,942 348 844,614 Home Equity Credit Scores Over 700 3,833 1,399 1,128 1,209 984 6,862 247,188 2,304 264,907 661 - 700 787 92 35 249 272 1,329 41,050 296 44,110 600 and below 89 87 48 93 — 360 8,744 595 10,016 Data not available* 6 6 — — — 1,029 2,279 269 3,589 Total $ 4,715 $ 1,584 $ 1,211 $ 1,551 $ 1,256 $ 9,580 $ 299,261 $ 3,464 $ 322,622 * Represents accounts for which data are not available. December 31, 2021 2021 2020 2019 2018 2017 Prior Revolving Loans Revolving Loans Converted to Term Loans Total (In Thousands) Residential Credit Scores Over 700 $ 182,759 $ 111,380 $ 69,901 $ 51,454 $ 40,467 $ 127,303 $ 2,990 $ 355 $ 586,609 661 - 700 24,370 19,078 14,011 9,018 12,846 25,294 — — 104,617 600 and below 4,145 6,368 3,408 2,996 3,492 13,801 — — 34,210 Data not available* 10,936 — 1,958 — 6,847 54,560 — — 74,301 Total 222,210 136,826 89,278 63,468 63,652 220,958 2,990 355 799,737 Home Equity Credit Scores Over 700 1,530 1,469 1,790 1,520 1,561 8,254 242,980 1,844 260,948 661 - 700 98 51 297 392 210 1,658 42,542 541 45,789 600 and below 92 54 101 — 12 436 8,484 713 9,892 Data not available* — — — — — 1,216 5,937 374 7,527 Total $ 1,720 $ 1,574 $ 2,188 $ 1,912 $ 1,783 $ 11,564 $ 299,943 $ 3,472 $ 324,156 * Represents accounts for which data are not available. Age Analysis of Past Due Loans and Leases The following tables present an age analysis of the recorded investment in total loans and leases as of December 31, 2022 and 2021. At December 31, 2022 Past Due Past Non-accrual Non-accrual with no related Allowance 31-60 61-90 Greater Total Current Total Loans (In Thousands) Commercial real estate loans: Commercial real estate $ 2,495 $ 199 $ 408 $ 3,102 $ 3,043,644 $ 3,046,746 $ — $ 607 $ 262 Multi-family mortgage — 180 — 180 1,150,417 1,150,597 — — — Construction 707 — — 707 206,098 206,805 — 707 707 Total commercial real estate loans 3,202 379 408 3,989 4,400,159 4,404,148 — 1,314 969 Commercial loans and leases: Commercial 740 — 343 1,083 751,865 752,948 — 464 — Equipment financing 5,103 1,764 6,205 13,072 1,203,513 1,216,585 28 9,653 399 Condominium association 2,072 — — 2,072 44,894 46,966 — 58 — Total commercial loans and leases 7,915 1,764 6,548 16,227 2,000,272 2,016,499 28 10,175 399 Consumer loans: Residential mortgage 677 70 1,466 2,213 842,401 844,614 1 2,680 1,091 Home equity 443 — 155 598 322,024 322,622 4 723 — Other consumer 1 5 2 8 56,497 56,505 — 2 — Total consumer loans 1,121 75 1,623 2,819 1,220,922 1,223,741 5 3,405 1,091 Total loans and leases $ 12,238 $ 2,218 $ 8,579 $ 23,035 $ 7,621,353 $ 7,644,388 $ 33 $ 14,894 $ 2,459 There is no interest income recognized on non-accrual loans for the year ending December 31, 2022. At December 31, 2021 Past Due Past 31-60 61-90 Greater Total Current Total Loans Non-accrual Non-accrual with no related Allowance (In Thousands) Commercial real estate loans: Commercial real estate $ 2,424 $ 1,488 $ 10,443 $ 14,355 $ 2,828,436 $ 2,842,791 $ — $ 10,848 $ 10,244 Multi-family mortgage 371 89 — 460 1,099,358 1,099,818 — — — Construction 396 — — 396 160,035 160,431 — — — Total commercial real estate loans 3,191 1,577 10,443 15,211 4,087,829 4,103,040 — 10,848 10,244 Commercial loans and leases: Commercial 287 88 748 1,123 733,265 734,388 — 2,318 1,383 Equipment financing 5,265 1,044 8,774 15,083 1,090,528 1,105,611 — 15,014 1,602 Condominium association 57 — — 57 47,080 47,137 — 84 — Total commercial loans and leases 5,609 1,132 9,522 16,263 1,870,873 1,887,136 — 17,416 2,985 Consumer loans: Residential mortgage 454 3,169 2,315 5,938 793,799 799,737 — 3,909 2,165 Home equity 424 201 114 739 323,417 324,156 1 285 — Other consumer 5 2 1 8 40,380 40,388 — 1 — Total consumer loans 883 3,372 2,430 6,685 1,157,596 1,164,281 1 4,195 2,165 Total loans and leases $ 9,683 $ 6,081 $ 22,395 $ 38,159 $ 7,116,298 $ 7,154,457 $ 1 $ 32,459 $ 15,394 There is no interest income recognized on non-accrual loans for the year ending December 31, 2021. Impaired Loans and Leases A loan is considered to be impaired when, based on current information and events, it is probable that the Company will be unable to collect all amounts due (both interest and principal) according to the contractual terms of the loan agreement. The loans and leases risk-rated "substandard" or worse are considered impaired. The Company has also defined the population of impaired loans to include nonaccrual loans and TDR loans. Impaired loans and leases which do not share similar risk characteristics with other loans are individually evaluated for credit losses. Specific reserves are established for loans and leases with deterioration in the present value of expected future cash flows or, in the case of collateral-dependent loans and leases, any increase in the loan or lease amortized cost basis over the fair value of the underlying collateral discounted for estimated selling costs. In contrast, the loans and leases which share similar risk characteristics and are not included in the individually evaluated population are collectively evaluated for credit losses. The following tables present information regarding individually evaluated and collectively evaluated allowance for loan and lease losses for credit losses on loans and leases at the dates indicated. At December 31, 2022 Commercial Real Estate Commercial Consumer Total (In Thousands) Allowance for Loan and Lease Losses: Individually evaluated $ 62 $ 2,982 $ 68 $ 3,112 Collectively evaluated 68,092 23,622 3,656 95,370 Total $ 68,154 $ 26,604 $ 3,724 $ 98,482 Loans and Leases: Individually evaluated $ 11,039 $ 14,346 $ 3,863 $ 29,248 Collectively evaluated 4,393,109 2,002,153 1,219,878 7,615,140 Total $ 4,404,148 $ 2,016,499 $ 1,223,741 $ 7,644,388 At December 31, 2021 Commercial Real Estate Commercial Consumer Total (In Thousands) Allowance for Loan and Lease Losses: Individually evaluated $ — $ 3,236 $ 38 $ 3,274 Collectively evaluated 69,213 23,819 2,778 95,810 Total $ 69,213 $ 27,055 $ 2,816 $ 99,084 Loan and Lease Losses: Individually evaluated $ 16,906 $ 10,944 $ 4,853 $ 32,703 Collectively evaluated 4,086,134 1,876,192 1,159,428 7,121,754 Total $ 4,103,040 $ 1,887,136 $ 1,164,281 $ 7,154,457 Troubled Debt Restructured Loans and Leases A specific valuation allowance for losses on troubled debt restructured loans is initially determined by comparing the net carrying amount of the troubled debt restructured loan with the restructured loan's cash flows discounted at the original effective rate. The following table sets forth information regarding troubled debt restructured loans and leases at the dates indicated: At December 31, 2022 At December 31, 2021 (In Thousands) Troubled debt restructurings: On accrual $ 16,385 $ 12,580 On nonaccrual 3,527 6,709 Total troubled debt restructurings $ 19,912 $ 19,289 Total troubled debt restructuring loans and leases increased by $0.6 million to $19.9 million at December 31, 2022 from $19.3 million at December 31, 2021. The increase was primarily driven by new TDR loans during the year ended December 31, 2022. The amortized cost basis in TDR loans and the associated specific credit losses for the loan and lease portfolios, that were modified during the periods indicated, are as follows: At and for the Year Ended December 31, 2022 Recorded Investment Specific Defaulted (1) Number of At At End of Nonaccrual Number of Recorded (Dollars in Thousands) Commercial 15 6,227 6,227 2,230 — — — Equipment financing 23 1,203 1,445 — 606 5 301 Home equity 1 106 106 — — — — Total loans and leases 39 7,536 7,778 2,230 606 5 301 ______________________________________________________________________ (1) Includes loans and leases that have been modified within the past twelve months and subsequently had payment defaults during the period indicated. At and for the Year Ended December 31, 2021 Recorded Investment Specific Defaulted (1) Number of At At End of Nonaccrual Number of Recorded (Dollars in Thousands) Commercial real estate 1 $ 497 $ 493 $ — $ — — $ — Commercial 1 19 17 — — — — Equipment financing 46 3,979 3,500 818 2,364 13 1,491 Residential mortgage 2 1,072 1,061 — 207 — — Home equity 1 312 312 — — — — Total loans and leases 51 $ 5,879 $ 5,383 $ 818 $ 2,571 13 $ 1,491 ______________________________________________________________________ (1) Includes loans and leases that have been modified within the past twelve months and subsequently had payment defaults during the period indicated. At and for the Year Ended December 31, 2020 Recorded Investment Specific Defaulted (1) Number of At At End of Nonaccrual Number of Recorded (Dollars in Thousands) Commercial real estate — $ — $ — $ — $ — 1 $ 215 Commercial 2 3,029 2,970 — — — — Equipment financing 24 1,366 1,914 173 1,874 — — Home equity 2 476 465 — 265 — — Total loans and leases 28 4,871 5,349 173 2,139 1 215 ______________________________________________________________________ (1) Includes loans and leases that have been modified within the past twelve months and subsequently had payment defaults during the period indicated. The following table sets forth the Company's end-of-period balances for troubled debt restructurings that were modified during the periods indicated, by type of modification. Year Ended 2022 2021 2020 (In Thousands) Extended maturity $ 6,931 $ 2,704 $ 3,297 Adjusted principal — — 40 Adjusted interest rate — — 113 Combination maturity, principal, interest rate 847 2,679 1,899 Total loans modified $ 7,778 $ 5,383 $ 5,349 The TDR loans and leases that were modified for the year ending December 31, 2022 and 2021 were $7.8 million and $5.4 million, respectively. Net charge-offs of the performing and nonperforming troubled debt restructuring loans and leases for the years ending December 31, 2022, and 2021, were $0.1 million and $0.7 million, respectively. The commitments to lend funds to debtors owing receivables whose terms had been modified in TDRs as of December 31, 2022 was $1.9 million. As of December 31, 2021, there were $1.3 million commitments to lend funds to debtors owing receivables whose terms had been modified in TDRs. |
