LOANS AND ALLOWANCE FOR LOAN AND LEASE LOSSES | 3. LOANS AND ALLOWANCE FOR LOAN AND LEASE LOSSES The information included below reflects the impact of the CARES Act, as amended by the CAA, and the Joint Guidance. See Note 1 “Summary of Significant Accounting Policies” in the “Notes to the Consolidated Financial Statements” contained in Item 8 “Financial Statements and Supplementary Data” in the Company’s 2021 Form 10-K for information about COVID-19 and related legislative and regulatory developments. The Company’s loans are stated at their face amount, net of deferred fees and costs, and consisted of the following at September 30, 2022 and December 31, 2021 (dollars in thousands): September 30, 2022 December 31, 2021 Construction and Land Development $ 1,068,201 $ 862,236 Commercial Real Estate - Owner Occupied 1,953,872 1,995,409 Commercial Real Estate - Non-Owner Occupied 3,900,325 3,789,377 Multifamily Real Estate 774,970 778,626 Commercial & Industrial (1) 2,709,047 2,542,243 Residential 1-4 Family - Commercial 542,612 607,337 Residential 1-4 Family - Consumer 891,353 816,524 Residential 1-4 Family - Revolving 588,452 560,796 Auto 561,277 461,052 Consumer 172,776 176,992 Other Commercial (2) 755,835 605,251 Total LHFI, net of deferred fees and costs (3) 13,918,720 13,195,843 Allowance for loan and lease losses (108,009) (99,787) Total LHFI, net $ 13,810,711 $ 13,096,056 (1) Commercial & industrial loans included approximately $12.1 million and $145.3 million in loans from the PPP at September 30, 2022 and December 31, 2021, respectively. (2) There are no loans from the PPP included in other commercial loans as of September 30, 2022. As of December 31, 2021 other commercial loans included approximately $5.1 million in loans from the PPP. (3) Total loans include unamortized premiums and discounts, and unamortized deferred fees and costs totaling $45.7 million and $49.3 million as of September 30, 2022 and December 31, 2021, respectively. The following table shows the aging of the Company’s loan portfolio, by class, at September 30, 2022 (dollars in thousands): Greater than 30-59 Days 60-89 Days 90 Days and Current Past Due Past Due still Accruing Nonaccrual Total Loans Construction and Land Development $ 1,067,438 $ 120 $ 107 $ 115 $ 421 $ 1,068,201 Commercial Real Estate - Owner Occupied 1,937,372 7,337 763 3,517 4,883 1,953,872 Commercial Real Estate - Non-Owner Occupied 3,897,324 — 457 621 1,923 3,900,325 Multifamily Real Estate 774,970 — — — — 774,970 Commercial & Industrial 2,702,308 796 3,128 526 2,289 2,709,047 Residential 1-4 Family - Commercial 538,835 1,410 97 308 1,962 542,612 Residential 1-4 Family - Consumer 876,980 1,123 1,449 680 11,121 891,353 Residential 1-4 Family - Revolving 581,418 1,115 1,081 1,255 3,583 588,452 Auto 558,678 1,876 257 148 318 561,277 Consumer 172,180 409 101 86 — 172,776 Other Commercial 755,740 — — 95 — 755,835 Total LHFI $ 13,863,243 $ 14,186 $ 7,440 $ 7,351 $ 26,500 $ 13,918,720 % of total loans 99.61 % 0.10 % 0.05 % 0.05 % 0.19 % 100.00 % The following table shows the aging of the Company’s loan portfolio, by class, at December 31, 2021 (dollars in thousands): Greater than 30-59 Days 60-89 Days 90 Days and Current Past Due Past Due still Accruing Nonaccrual Total Loans Construction and Land Development $ 857,883 $ 1,357 $ — $ 299 $ 2,697 $ 862,236 Commercial Real Estate - Owner Occupied 1,987,133 1,230 152 1,257 5,637 1,995,409 Commercial Real Estate - Non-Owner Occupied 3,783,211 1,965 127 433 3,641 3,789,377 Multifamily Real Estate 778,429 84 — — 113 778,626 Commercial & Industrial 2,536,100 1,161 1,438 1,897 1,647 2,542,243 Residential 1-4 Family - Commercial 601,946 1,844 272 990 2,285 607,337 Residential 1-4 Family - Consumer 795,821 3,368 2,925 3,013 11,397 816,524 Residential 1-4 Family - Revolving 554,652 1,493 363 882 3,406 560,796 Auto 458,473 1,866 249 241 223 461,052 Consumer 175,943 689 186 120 54 176,992 Other Commercial 605,214 37 — — — 605,251 Total LHFI $ 13,134,805 $ 15,094 $ 5,712 $ 9,132 $ 31,100 $ 13,195,843 % of total loans 99.54 % 0.11 % 0.04 % 0.07 % 0.24 % 100.00 % The following table shows the Company’s amortized cost basis of loans on nonaccrual status and loans past due 90 days and still accruing as of September 30, 2022 (dollars in thousands): September 30, 2022 Nonaccrual Nonaccrual With No ALLL 90 Days Past due and still Accruing Construction and Land Development $ 421 $ — $ 115 Commercial Real Estate - Owner Occupied 4,883 932 3,517 Commercial Real Estate - Non-Owner Occupied 1,923 — 621 Commercial & Industrial 2,289 1 526 Residential 1-4 Family - Commercial 1,962 — 308 Residential 1-4 Family - Consumer 11,121 — 680 Residential 1-4 Family - Revolving 3,583 — 1,255 Auto 318 — 148 Consumer — — 86 Other Commercial — — 95 Total LHFI $ 26,500 $ 933 $ 7,351 The following table shows the Company’s amortized cost basis of loans on nonaccrual status and loans past due 90 days and still accruing as of December 31, 2021 (dollars in thousands): December 31, 2021 Nonaccrual Nonaccrual With No ALLL 90 Days Past due and still Accruing Construction and Land Development $ 2,697 $ 1,985 $ 299 Commercial Real Estate - Owner Occupied 5,637 970 1,257 Commercial Real Estate - Non-Owner Occupied 3,641 1,089 433 Multifamily Real Estate 113 — — Commercial & Industrial 1,647 1 1,897 Residential 1-4 Family - Commercial 2,285 — 990 Residential 1-4 Family - Consumer 11,397 — 3,013 Residential 1-4 Family - Revolving 3,406 — 882 Auto 223 — 241 Consumer 54 — 120 Total LHFI $ 31,100 $ 4,045 $ 9,132 There was no interest income recognized on nonaccrual loans during the three and nine months ended September 30, 2022 and 2021. See Note 1 “Summary of Significant Accounting Policies” in the “Notes to the Consolidated Financial Statements” contained in Item 8 “Financial Statements and Supplementary Data” in the Company’s 2021 Form 10-K for additional information on the Company’s policies for nonaccrual loans. Troubled Debt Restructurings As of September 30, 2022, the Company had TDRs totaling $15.6 million with an estimated $569,000 of allowance for those loans. As of December 31, 2021, the Company had TDRs totaling $18.0 million with an estimated $ 859,000 of allowance for those loans. A TDR occurs when a lender, for economic or legal reasons, grants a concession to the borrower related to the borrower’s financial difficulties, that it would not otherwise consider. All loans that are considered to be TDRs are evaluated for credit losses in accordance with the Company’s ALLL methodology. For the three and nine months ended September 30, 2022 and September 30, 2021, the recorded investment in TDRs prior to modifications was not materially impacted by the modifications. The following table provides a summary, by class, of TDRs that continue to accrue interest under the terms of the applicable restructuring agreement, which are considered to be performing, and TDRs that have been placed on nonaccrual status, which are considered to be nonperforming, as of September 30, 2022 and December 31, 2021 (dollars in thousands): September 30, 2022 December 31, 2021 No. of Recorded Outstanding No. of Recorded Outstanding Loans Investment Commitment Loans Investment Commitment Performing Construction and Land Development 3 $ 159 $ — 4 $ 201 $ — Commercial Real Estate - Owner Occupied 2 1,000 — 3 572 — Commercial & Industrial 1 100 — — — — Residential 1-4 Family - Commercial 1 1,334 — — — — Residential 1-4 Family - Consumer 81 7,470 — 75 9,021 — Residential 1-4 Family - Revolving 3 257 5 3 265 4 Consumer 1 13 — 2 15 — Other Commercial — — — 1 239 — Total performing 92 $ 10,333 $ 5 88 $ 10,313 $ 4 Nonperforming Commercial Real Estate - Owner Occupied 1 $ 16 $ — 2 $ 830 $ — Commercial Real Estate - Non-Owner Occupied 2 242 — 3 1,357 — Commercial & Industrial 2 481 — 3 729 — Residential 1-4 Family - Commercial 3 371 — 3 388 — Residential 1-4 Family - Consumer 24 4,092 — 24 4,239 — Residential 1-4 Family - Revolving 3 96 — 3 99 — Total nonperforming 35 $ 5,298 $ — 38 $ 7,642 $ — Total performing and nonperforming 127 $ 15,631 $ 5 126 $ 17,955 $ 4 The Company considers a default of a TDR to occur when the borrower is 90 days past due following the restructure or a foreclosure and repossession of the applicable collateral occurs. During the three and nine months ended September 30, 2022 and 2021, the Company did not have any material loans that went into default that had been restructured in the twelve-month period prior to the time of default. The following table shows, by class and modification type, TDRs that occurred during the three and nine months ended September 30, 2022 and 2021 (dollars in thousands): Three Months Ended September 30, 2022 Nine Months Ended September 30, 2022 Recorded Recorded No. of Investment at No. of Investment at Loans Period End Loans Period End Modified to interest only, at a market rate Residential 1-4 Family - Commercial — $ — 1 $ 1,334 Total interest only at market rate of interest — $ — 1 $ 1,334 Term modification, at a market rate Commercial Real Estate - Owner Occupied — $ — 1 $ 766 Total loan term extended at a market rate — $ — 1 $ 766 Term modification, below market rate Residential 1-4 Family - Consumer 7 $ 665 17 $ 1,166 Total loan term extended at a below market rate 7 $ 665 17 $ 1,166 Total 7 $ 665 19 $ 3,266 Three Months Ended September 30, 2021 Nine Months Ended September 30, 2021 Recorded Recorded No. of Investment at No. of Investment at Loans Period End Loans Period End Modified to interest only, at a market rate Total interest only at market rate of interest — $ — — $ — Term modification, at a market rate Commercial Real Estate - Non-Owner Occupied 1 $ 157 1 $ 157 Residential 1-4 Family - Consumer — — 2 102 Total loan term extended at a market rate 1 $ 157 3 $ 259 Term modification, below market rate Residential 1-4 Family - Consumer — $ — 11 $ 1,813 Consumer — — 1 15 Total loan term extended at a below market rate — $ — 12 $ 1,828 Interest rate modification, below market rate Residential 1-4 Family - Commercial — $ — 1 $ 45 Total interest only at below market rate of interest — $ — 1 $ 45 Total 1 $ 157 16 $ 2,132 Allowance for Loan and Lease Losses ALLL on the loan portfolio is a material estimate for the Company. The Company estimates its ALLL on its loan portfolio on a quarterly basis. The Company models the ALLL using two primary segments, Commercial and Consumer. Each loan segment is further disaggregated into classes based on similar risk characteristics. The Company has identified the following classes within each loan segment: ● Commercial : Construction and Land Development, Commercial Real Estate – Owner Occupied, Commercial Real Estate – Non-Owner Occupied, Multifamily Real Estate, Commercial & Industrial, Residential 1-4 Family – Commercial, and Other Commercial ● Consumer : Residential 1-4 Family – Consumer, Residential 1-4 Family – Revolving, Auto, and Consumer The following tables show the ALLL activity by loan segment for the three and nine months ended September 30, 2022 and 2021 (dollars in thousands): Three Months Ended September 30, 2022 Nine Months Ended September 30, 2022 Commercial Consumer Total Commercial Consumer Total Balance at beginning of period $ 77,413 $ 26,771 $ 104,184 $ 77,902 $ 21,885 $ 99,787 Loans charged-off (1,086) (715) (1,801) (2,852) (2,415) (5,267) Recoveries credited to allowance 605 609 1,214 1,723 2,022 3,745 Provision charged to operations 6,969 (2,557) 4,412 7,128 2,616 9,744 Balance at end of period $ 83,901 $ 24,108 $ 108,009 $ 83,901 $ 24,108 $ 108,009 Three Months Ended September 30, 2021 Nine Months Ended September 30, 2021 Commercial Consumer Total Commercial Consumer Total Balance at beginning of period $ 89,837 $ 28,424 $ 118,261 $ 117,403 $ 43,137 $ 160,540 Loans charged-off (967) (1,299) (2,266) (3,832) (4,020) (7,852) Recoveries credited to allowance 1,281 872 2,153 3,929 2,569 6,498 Provision charged to operations (15,173) (1,177) (16,350) (42,522) (14,866) (57,388) Balance at end of period $ 74,978 $ 26,820 $ 101,798 $ 74,978 $ 26,820 $ 101,798 Credit Quality Indicators Credit quality indicators are utilized to help estimate the collectability of each loan class within the Commercial and Consumer loan segments. For classes of loans within the Commercial segment, the primary credit quality indicator used for evaluating credit quality and estimating the ALLL is risk rating categories of Pass, Watch, Special Mention, Substandard, and Doubtful. For classes of loans within the Consumer segment, the primary credit quality indicator used for evaluating credit quality and estimating the ALLL is delinquency bands of Current, 30-59, 60-89, 90+, and Nonaccrual. While other credit quality indicators are evaluated and analyzed as part of the Company’s credit risk management activities, these indicators are primarily used in estimating the ALLL. The Company evaluates the credit risk of its loan portfolio on at least a quarterly basis. Commercial Loans The Company uses a risk rating system as the primary credit quality indicator for classes of loans within the Commercial segment. The risk rating system on a scale of 0 through 9 is used to determine risk level as used in the calculation of the ACL. The risk levels, as described below, do not necessarily follow the regulatory definitions of risk levels with the same name. A general description of the characteristics of the risk levels follows: Pass is determined by the following criteria: ● Risk rated 0 loans have little or no risk and are with General Obligation Municipal Borrowers; ● Risk rated 1 loans have little or no risk and are generally secured by cash or cash equivalents; ● Risk rated 2 loans have minimal risk to well qualified borrowers and no significant questions as to safety; ● Risk rated 3 loans are satisfactory loans with strong borrowers and secondary sources of repayment; ● Risk rated 4 loans are satisfactory loans with borrowers not as strong as risk rated 3 loans and may exhibit a greater degree of financial risk based on the type of business supporting the loan. Watch is determined by the following criteria: ● Risk rated 5 loans are watch loans that warrant more than the normal level of supervision and have the possibility of an event occurring that may weaken the borrower’s ability to repay. Special Mention is determined by the following criteria: ● Risk rated 6 loans have increasing potential weaknesses beyond those at which the loan originally was granted and if not addressed could lead to inadequately protecting the Company’s credit position. Substandard is determined by the following criteria: ● Risk rated 7 loans are substandard loans and are inadequately protected by the current sound worth or paying capacity of the obligor or the collateral pledged; these have well defined weaknesses that jeopardize the liquidation of the debt with the distinct possibility the Company will sustain some loss if the deficiencies are not corrected. Doubtful is determined by the following criteria: ● Risk rated 8 loans are doubtful of collection and the possibility of loss is high but pending specific borrower plans for recovery, its classification as a loss is deferred until its more exact status is determined; ● Risk rated 9 loans are loss loans which are considered uncollectable and of such little value that their continuance as bankable assets is not warranted. The table below details the amortized cost of the classes of loans within the Commercial segment by risk level and year of origination as of September 30, 2022 (dollars in thousands): September 30, 2022 Term Loans Amortized Cost Basis by Origination Year 2022 2021 2020 2019 2018 Prior Revolving Loans Total Construction and Land Development Pass $ 278,751 $ 522,332 $ 139,003 $ 16,527 $ 35,327 $ 36,153 $ 22,434 $ 1,050,527 Watch — 855 — 3,842 120 2,736 — 7,553 Special Mention 921 1,491 338 — — 174 — 2,924 Substandard 1,261 2,359 40 214 1,345 1,978 — 7,197 Total Construction and Land Development $ 280,933 $ 527,037 $ 139,381 $ 20,583 $ 36,792 $ 41,041 $ 22,434 $ 1,068,201 Commercial Real Estate - Owner Occupied Pass $ 193,743 $ 204,645 $ 256,490 $ 290,697 $ 233,459 $ 663,420 $ 15,089 $ 1,857,543 Watch 1,069 178 2,463 8,293 12,375 26,383 1,149 51,910 Special Mention 641 — — 1,479 914 18,816 42 21,892 Substandard — 2,826 — 4,370 1,610 13,256 465 22,527 Total Commercial Real Estate - Owner Occupied $ 195,453 $ 207,649 $ 258,953 $ 304,839 $ 248,358 $ 721,875 $ 16,745 $ 1,953,872 Commercial Real Estate - Non-Owner Occupied Pass $ 339,274 $ 671,073 $ 397,814 $ 508,462 $ 375,951 $ 1,392,787 $ 31,971 $ 3,717,332 Watch — 2,151 818 26,793 40,466 27,259 — 97,487 Special Mention 234 — — 6,084 2,609 18,771 — 27,698 Substandard — — 10,501 22,797 18,930 5,580 — 57,808 Total Commercial Real Estate - Non-Owner Occupied $ 339,508 $ 673,224 $ 409,133 $ 564,136 $ 437,956 $ 1,444,397 $ 31,971 $ 3,900,325 Commercial & Industrial Pass $ 529,915 $ 576,070 $ 321,669 $ 191,789 $ 86,424 $ 144,362 $ 746,107 $ 2,596,336 Watch 1,401 794 17,955 5,204 12,546 2,283 22,057 62,240 Special Mention — 182 416 2,500 373 2,031 20,174 25,676 Substandard 98 536 112 3,912 14,253 1,375 4,509 24,795 Total Commercial & Industrial $ 531,414 $ 577,582 $ 340,152 $ 203,405 $ 113,596 $ 150,051 $ 792,847 $ 2,709,047 Multifamily Real Estate Pass $ 84,683 $ 79,629 $ 216,676 $ 62,386 $ 76,761 $ 247,444 $ 2,225 $ 769,804 Watch — — — 4,209 446 423 — 5,078 Special Mention — — — — — 88 — 88 Total Multifamily Real Estate $ 84,683 $ 79,629 $ 216,676 $ 66,595 $ 77,207 $ 247,955 $ 2,225 $ 774,970 Residential 1-4 Family - Commercial Pass $ 35,383 $ 91,966 $ 79,004 $ 53,298 $ 38,421 $ 208,616 $ 949 $ 507,637 Watch — 1,344 545 8,561 2,985 5,093 114 18,642 Special Mention — — 1,495 71 4,800 2,717 — 9,083 Substandard — — — 2,464 478 4,009 299 7,250 Total Residential 1-4 Family - Commercial $ 35,383 $ 93,310 $ 81,044 $ 64,394 $ 46,684 $ 220,435 $ 1,362 $ 542,612 Other Commercial Pass $ 168,290 $ 216,249 $ 156,770 $ 118,283 $ 3,683 $ 70,833 $ 13,209 $ 747,317 Watch 5,367 — — — — 3,056 — 8,423 Substandard — — — — — — 95 95 Total Other Commercial $ 173,657 $ 216,249 $ 156,770 $ 118,283 $ 3,683 $ 73,889 $ 13,304 $ 755,835 Total Commercial Pass $ 1,630,039 $ 2,361,964 $ 1,567,426 $ 1,241,442 $ 850,026 $ 2,763,615 $ 831,984 $ 11,246,496 Watch 7,837 5,322 21,781 56,902 68,938 67,233 23,320 251,333 Special Mention 1,796 1,673 2,249 10,134 8,696 42,597 20,216 87,361 Substandard 1,359 5,721 10,653 33,757 36,616 26,198 5,368 119,672 Total Commercial $ 1,641,031 $ 2,374,680 $ 1,602,109 $ 1,342,235 $ 964,276 $ 2,899,643 $ 880,888 $ 11,704,862 The table below details the amortized cost of the classes of loans within the Commercial segment by risk level and year of origination as of December 31, 2021 (dollars in thousands): December 31, 2021 Term Loans Amortized Cost Basis by Origination Year 2021 2020 2019 2018 2017 Prior Revolving Loans Total Construction and Land Development Pass $ 430,764 $ 218,672 $ 39,937 $ 40,128 $ 11,299 $ 50,908 $ 22,996 $ 814,704 Watch 395 185 12,923 129 349 4,026 — 18,007 Special Mention — — — — — 735 — 735 Substandard 3,541 1 221 19,264 198 5,565 — 28,790 Total Construction and Land Development $ 434,700 $ 218,858 $ 53,081 $ 59,521 $ 11,846 $ 61,234 $ 22,996 $ 862,236 Commercial Real Estate - Owner Occupied Pass $ 222,079 $ 279,165 $ 321,503 $ 263,422 $ 179,994 $ 555,540 $ 19,705 $ 1,841,408 Watch 185 18 7,959 10,875 14,648 57,466 702 91,853 Special Mention — 932 11,826 610 1,052 19,480 507 34,407 Substandard 200 153 7,455 2,538 1,935 14,834 626 27,741 Total Commercial Real Estate - Owner Occupied $ 222,464 $ 280,268 $ 348,743 $ 277,445 $ 197,629 $ 647,320 $ 21,540 $ 1,995,409 Commercial Real Estate - Non-Owner Occupied Pass $ 642,386 $ 421,063 $ 520,035 $ 377,176 $ 374,949 $ 1,102,193 $ 36,568 $ 3,474,370 Watch 2,152 841 35,721 39,356 18,242 101,797 14 198,123 Special Mention — 10,609 25,691 20,119 12,741 4,775 — 73,935 Substandard — — 23,376 11,369 — 7,952 252 42,949 Total Commercial Real Estate - Non-Owner Occupied $ 644,538 $ 432,513 $ 604,823 $ 448,020 $ 405,932 $ 1,216,717 $ 36,834 $ 3,789,377 Commercial & Industrial Pass $ 770,662 $ 450,478 $ 287,926 $ 110,710 $ 38,395 $ 170,857 $ 619,583 $ 2,448,611 Watch 1,233 9,641 2,766 31,635 1,370 4,405 17,220 68,270 Special Mention 206 935 8,477 1,023 564 561 3,249 15,015 Substandard 379 575 3,636 1,965 463 1,639 1,690 10,347 Total Commercial & Industrial $ 772,480 $ 461,629 $ 302,805 $ 145,333 $ 40,792 $ 177,462 $ 641,742 $ 2,542,243 Multifamily Real Estate Pass $ 63,431 $ 187,616 $ 108,402 $ 114,077 $ 66,562 $ 228,013 $ 1,548 $ 769,649 Watch — — 359 459 — 522 — 1,340 Special Mention 44 2,248 624 4,517 — 91 — 7,524 Substandard — — — — — 113 — 113 Total Multifamily Real Estate $ 63,475 $ 189,864 $ 109,385 $ 119,053 $ 66,562 $ 228,739 $ 1,548 $ 778,626 Residential 1-4 Family - Commercial Pass $ 108,259 $ 94,184 $ 65,682 $ 46,267 $ 55,995 $ 196,052 $ 550 $ 566,989 Watch — 2,041 4,887 7,483 2,415 7,573 311 24,710 Special Mention — 96 — 436 391 4,126 — 5,049 Substandard 93 — 3,494 536 1,291 4,876 299 10,589 Total Residential 1-4 Family - Commercial $ 108,352 $ 96,321 $ 74,063 $ 54,722 $ 60,092 $ 212,627 $ 1,160 $ 607,337 Other Commercial Pass $ 226,595 $ 167,497 $ 98,848 $ 5,620 $ 25,723 $ 44,114 $ 30,445 $ 598,842 Watch — — — 581 1,246 4,341 — 6,168 Special Mention — — — — 2 — — 2 Substandard — — — — — 239 — 239 Total Other Commercial $ 226,595 $ 167,497 $ 98,848 $ 6,201 $ 26,971 $ 48,694 $ 30,445 $ 605,251 Total Commercial Pass $ 2,464,176 $ 1,818,675 $ 1,442,333 $ 957,400 $ 752,917 $ 2,347,677 $ 731,395 $ 10,514,573 Watch 3,965 12,726 64,615 90,518 38,270 180,130 18,247 408,471 Special Mention 250 14,820 46,618 26,705 14,750 29,768 3,756 136,667 Substandard 4,213 729 38,182 35,672 3,887 35,218 2,867 120,768 Total Commercial $ 2,472,604 $ 1,846,950 $ 1,591,748 $ 1,110,295 $ 809,824 $ 2,592,793 $ 756,265 $ 11,180,479 Consumer Loans For Consumer loans, the Company evaluates credit quality based on the delinquency status of the loan. The following table details the amortized cost of the classes of loans within the Consumer segment based on their delinquency status and year of origination as of September 30, 2022 (dollars in thousands): September 30, 2022 Term Loans Amortized Cost Basis by Origination Year 2022 2021 2020 2019 2018 Prior Revolving Loans Total Residential 1-4 Family - Consumer Current $ 163,110 $ 250,861 $ 161,913 $ 38,668 $ 23,633 $ 238,782 $ 13 $ 876,980 30-59 Days Past Due — — 90 142 174 717 — 1,123 60-89 Days Past Due — — — 104 — 1,345 — 1,449 90+ Days Past Due — — — 45 — 635 — 680 Nonaccrual — 429 — 268 957 9,467 — 11,121 Total Residential 1-4 Family - Consumer $ 163,110 $ 251,290 $ 162,003 $ 39,227 $ 24,764 $ 250,946 $ 13 $ 891,353 Residential 1-4 Family - Revolving Current $ 58,864 $ 14,630 $ 5,825 $ 1,715 $ 826 $ 478 $ 499,080 $ 581,418 30-59 Days Past Due — — — — — — 1,115 1,115 60-89 Days Past Due — — — — — — 1,081 1,081 90+ Days Past Due — — — — — — 1,255 1,255 Nonaccrual — 149 57 — 14 — 3,363 3,583 Total Residential 1-4 Family - Revolving $ 58,864 $ 14,779 $ 5,882 $ 1,715 $ 840 $ 478 $ 505,894 $ 588,452 Auto Current $ 221,446 $ 168,008 $ 89,869 $ 49,923 $ 19,147 $ 10,285 $ — $ 558,678 30-59 Days Past Due 310 653 292 375 119 127 — 1,876 60-89 Days Past Due 3 79 78 55 — 42 — 257 90+ Days Past Due — 108 13 6 12 9 — 148 Nonaccrual — 90 107 89 8 24 — 318 Total Auto $ 221,759 $ 168,938 $ 90,359 $ 50,448 $ 19,286 $ 10,487 $ — $ 561,277 Consumer Current $ 36,208 $ 17,683 $ 12,001 $ 26,271 $ 19,195 $ 21,475 $ 39,347 $ 172,180 30-59 Days Past Due 10 6 40 150 109 51 43 409 60-89 Days Past Due — 1 19 39 39 2 1 101 90+ Days Past Due — 13 28 9 14 1 21 86 Total Consumer $ 36,218 $ 17,703 $ 12,088 $ 26,469 $ 19,357 $ 21,529 $ 39,412 $ 172,776 Total Consumer Current $ 479,628 $ 451,182 $ 269,608 $ 116,577 $ 62,801 $ 271,020 $ 538,440 $ 2,189,256 30-59 Days Past Due 320 659 422 667 402 895 1,158 4,523 60-89 Days Past Due 3 80 97 198 39 1,389 1,082 2,888 90+ Days Past Due — 121 41 60 26 645 1,276 2,169 Nonaccrual — 668 164 357 979 9,491 3,363 15,022 Total Consumer $ 479,951 $ 452,710 $ 270,332 $ 117,859 $ 64,247 $ 283,440 $ 545,319 $ 2,213,858 The following table details the amortized cost of the classes of loans within the Consumer segment based on their delinquency status and year of origination as of December 31, 2021 (dollars in thousands): December 31, 2021 Term Loans Amortized Cost Basis by Origination Year 2021 2020 2019 2018 2017 Prior Revolving Loans Total Residential 1-4 Family - Consumer Current $ 248,904 $ 174,459 $ 47,905 $ 33,809 $ 44,179 $ 246,554 $ 11 $ 795,821 30-59 Days Past Due — 157 143 807 460 1,801 — 3,368 60-89 Days Past Due — — — 624 107 2,194 — 2,925 90+ Days Past Due — — 46 20 304 2,643 — 3,013 Nonaccrual 444 — 117 884 1,330 8,622 — 11,397 Total Residential 1-4 Family - Consumer $ 249,348 $ 174,616 $ 48,211 $ 36,144 $ 46,380 $ 261,814 $ 11 $ 816,524 Residential 1-4 Family - Revolving Current $ 16,546 $ 9,511 $ 2,230 $ 1,056 $ — $ 484 $ 524,825 $ 554,652 30-59 Days Past Due — — — — — — 1,493 1,493 60-89 Days Past Due — — — — — — 363 363 90+ Days |