| Schedule of Commitments |
A summary of the Company’s commitments is as follows: | | | | | | | | | | | | | March 31, 2025 | | December 31, 2024 | Commitments to extend credit (1) (2) | $ | 3,609,307 | | | $ | 3,597,937 | | | Standby letters of credit | 8,487 | | | 7,365 | | | | | | | Total unfunded off-balance-sheet credit risk | $ | 3,617,794 | | | $ | 3,605,302 | |
| | | | | | | (1) | Includes unfunded overdraft protection. | | (2) | Includes $1.19 billion and $1.20 billion at March 31, 2025 and December 31, 2024, respectively, for which loan commitment letters have been issued. Such letters do not represent a present obligation to extend credit due to the variety of conditions contained in the letters. |
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| Schedule of Geographic Concentrations |
The following table presents the geographic concentration of the Company's loan and lease portfolio at March 31, 2025: | | | | | | | % of Total | Geographic Regions (1) | | | Midwest | 12.1 | % | | Northeast | 17.0 | | | Southeast | 31.8 | | | Southwest | 13.1 | | | West | 25.5 | | | Non-U.S. | 0.5 | | | Total | 100.0 | % |
| | | | | | | (1) | Concentrations are stated as a percentage of total unguaranteed loans held for investment. Midwest consists of ND, SD, NE, KS, MN, IA,WI, MO, IL, IN, MI and OH. Northeast consists of MD, DE, PA, NJ, NY, CT, RI, MA, VT, ME and NH. Southeast consists of AR, LA, MS, TN, AL, GA, FL, SC, KY, NC, VA, WV, DC, PR and VI. Southwest consists of AZ, NM, TX and OK. West consists of WA, OR, CA, NV, ID, MT, WY, CO, UT, AK and HI. Non-U.S. includes addressees with foreign domicile. Domicile is determined by the principal resident or business address of the entity. |
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