| Loans and Allowance for Credit Losses |
(4) LOANS AND ALLOWANCE FOR CREDIT LOSSES The following table presents the major classification of loans, inclusive of capitalized loan origination costs, as of December 31, 2025 and 2024.
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
As of December 31, |
|
|
|
2025 |
|
|
2024 |
|
(Dollars in thousands) |
|
Amount |
|
|
As a
Percent of
Total Loans (1) |
|
|
Amount |
|
|
As a
Percent of
Total Loans |
|
Loans held for investment: |
|
|
|
|
|
|
|
|
|
|
|
|
Recreation |
|
$ |
1,617,221 |
|
|
|
63 |
% |
|
$ |
1,422,403 |
|
|
|
57 |
% |
Home improvement |
|
|
810,237 |
|
|
|
32 |
|
|
|
827,211 |
|
|
|
33 |
|
Commercial |
|
|
123,068 |
|
|
|
5 |
|
|
|
111,273 |
|
|
|
4 |
|
Taxi medallion |
|
|
1,179 |
|
|
* |
|
|
|
1,909 |
|
|
* |
|
Total loans |
|
|
2,551,705 |
|
|
|
99 |
|
|
|
2,362,796 |
|
|
|
95 |
|
Loans held for sale, at lower of amortized cost or fair value: |
|
|
|
|
|
|
|
|
|
|
|
|
Recreation |
|
|
— |
|
|
|
— |
|
|
|
120,840 |
|
|
|
5 |
|
Strategic partnership |
|
|
15,144 |
|
|
* |
|
|
|
7,386 |
|
|
* |
|
Total loans held for sale, at lower of amortized cost or fair value |
|
|
15,144 |
|
|
|
— |
|
|
|
128,226 |
|
|
|
5 |
|
Total loans and loans held for sale |
|
$ |
2,566,849 |
|
|
|
100 |
% |
|
$ |
2,491,022 |
|
|
|
100 |
% |
(1) Percentage may not foot due to rounding. (*) Less than 1%. The following tables present the activity of the gross loans and loans held for sale for the years ended December 31, 2025 and 2024.
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
December 31, 2025
(Dollars in thousands) |
|
Recreation |
|
|
Home
Improvement |
|
|
Commercial |
|
|
Taxi
Medallion |
|
|
Strategic
Partnership |
|
|
Total |
|
Gross loans – December 31, 2024 |
|
$ |
1,543,243 |
|
|
$ |
827,211 |
|
|
$ |
111,273 |
|
|
$ |
1,909 |
|
|
$ |
7,386 |
|
|
$ |
2,491,022 |
|
Loan originations |
|
|
468,467 |
|
|
|
224,478 |
|
|
|
40,625 |
|
|
|
258 |
|
|
|
771,564 |
|
|
|
1,505,392 |
|
Principal receipts, sales, and maturities |
|
|
(293,199 |
) |
|
|
(225,794 |
) |
|
|
(24,870 |
) |
|
|
(973 |
) |
|
|
(763,806 |
) |
|
|
(1,308,642 |
) |
Charge-offs |
|
|
(75,486 |
) |
|
|
(16,577 |
) |
|
|
(5,165 |
) |
|
|
(15 |
) |
|
|
— |
|
|
|
(97,243 |
) |
Transfer to loan collateral in process of foreclosure, net |
|
|
(30,223 |
) |
|
|
— |
|
|
|
— |
|
|
|
— |
|
|
|
— |
|
|
|
(30,223 |
) |
Amortization of origination fees and costs, net |
|
|
(14,653 |
) |
|
|
4,117 |
|
|
|
(56 |
) |
|
|
— |
|
|
|
— |
|
|
|
(10,592 |
) |
Origination fees and costs, net |
|
|
19,072 |
|
|
|
(3,198 |
) |
|
|
100 |
|
|
|
— |
|
|
|
— |
|
|
|
15,974 |
|
Paid-in-kind interest |
|
|
— |
|
|
|
— |
|
|
|
1,161 |
|
|
|
— |
|
|
|
— |
|
|
|
1,161 |
|
Gross loans – December 31, 2025 |
|
$ |
1,617,221 |
|
|
$ |
810,237 |
|
|
$ |
123,068 |
|
|
$ |
1,179 |
|
|
$ |
15,144 |
|
|
$ |
2,566,849 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
December 31, 2024
(Dollars in thousands) |
|
Recreation (1) |
|
|
Home
Improvement |
|
|
Commercial |
|
|
Taxi
Medallion |
|
|
Strategic
Partnership |
|
|
Total |
|
Gross loans – December 31, 2023 |
|
$ |
1,336,226 |
|
|
$ |
760,617 |
|
|
$ |
114,827 |
|
|
$ |
3,663 |
|
|
$ |
553 |
|
|
$ |
2,215,886 |
|
Loan originations |
|
|
526,634 |
|
|
|
298,642 |
|
|
|
14,300 |
|
|
|
250 |
|
|
|
203,627 |
|
|
|
1,043,453 |
|
Principal receipts, sales, and maturities |
|
|
(232,414 |
) |
|
|
(213,600 |
) |
|
|
(17,949 |
) |
|
|
(886 |
) |
|
|
(196,794 |
) |
|
|
(661,643 |
) |
Charge-offs |
|
|
(69,349 |
) |
|
|
(18,035 |
) |
|
|
(71 |
) |
|
|
(124 |
) |
|
|
— |
|
|
|
(87,579 |
) |
Transfer to loan collateral in process of foreclosure, net |
|
|
(24,921 |
) |
|
|
— |
|
|
|
(1,627 |
) |
|
|
(994 |
) |
|
|
— |
|
|
|
(27,542 |
) |
Amortization of origination fees and costs, net |
|
|
(13,502 |
) |
|
|
4,288 |
|
|
|
41 |
|
|
|
— |
|
|
|
— |
|
|
|
(9,173 |
) |
Origination fees and costs, net |
|
|
20,569 |
|
|
|
(4,701 |
) |
|
|
(78 |
) |
|
|
— |
|
|
|
— |
|
|
|
15,790 |
|
Paid-in-kind interest |
|
|
— |
|
|
|
— |
|
|
|
1,830 |
|
|
|
— |
|
|
|
— |
|
|
|
1,830 |
|
Gross loans – December 31, 2024 |
|
$ |
1,543,243 |
|
|
$ |
827,211 |
|
|
$ |
111,273 |
|
|
$ |
1,909 |
|
|
$ |
7,386 |
|
|
$ |
2,491,022 |
|
(1)Includes loans held for sale and loans held for investment. The following table presents the activity in the allowance for credit losses for the years ended December 31, 2025 and 2024.
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
(Dollars in thousands) |
|
Recreation |
|
|
Home
Improvement |
|
|
Commercial |
|
|
Taxi
Medallion (1) |
|
|
Total |
|
Balance at December 31, 2023 |
|
$ |
57,532 |
|
|
$ |
21,019 |
|
|
$ |
4,148 |
|
|
$ |
1,536 |
|
|
$ |
84,235 |
|
Charge-offs |
|
|
(69,349 |
) |
|
|
(18,035 |
) |
|
|
(71 |
) |
|
|
(124 |
) |
|
|
(87,579 |
) |
Recoveries |
|
|
14,924 |
|
|
|
4,094 |
|
|
|
29 |
|
|
|
5,163 |
|
|
|
24,210 |
|
Provision (benefit) for credit losses |
|
|
67,995 |
|
|
|
13,458 |
|
|
|
1,084 |
|
|
|
(6,035 |
) |
|
|
76,502 |
|
Balance at December 31, 2024 |
|
|
71,102 |
|
|
|
20,536 |
|
|
|
5,190 |
|
|
|
540 |
|
|
|
97,368 |
|
Charge-offs |
|
|
(75,486 |
) |
|
|
(16,577 |
) |
|
|
(5,165 |
) |
|
|
(15 |
) |
|
|
(97,243 |
) |
Recoveries |
|
|
16,432 |
|
|
|
5,423 |
|
|
|
— |
|
|
|
2,987 |
|
|
|
24,842 |
|
Provision (benefit) for credit losses |
|
|
73,908 |
|
|
|
10,181 |
|
|
|
9,027 |
|
|
|
(3,294 |
) |
|
|
89,822 |
|
Balance at December 31, 2025 |
|
$ |
85,956 |
|
|
$ |
19,563 |
|
|
$ |
9,052 |
|
|
$ |
218 |
|
|
$ |
114,789 |
|
(1)As of December 31, 2025, cumulative net charge-offs of loans and loan collateral in process of foreclosure in the taxi medallion portfolio were $171.1 million, including $106.3 million related to loans secured by New York taxi medallions, some of which may represent collection opportunities for the Company. The following tables present the gross charge-offs for the years ended December 31, 2025 and 2024, by the year of origination:
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
December 31, 2025
(Dollars in thousands) |
|
2025 |
|
|
2024 |
|
|
2023 |
|
|
2022 |
|
|
2021 |
|
|
Prior |
|
|
Total |
|
Recreation |
|
$ |
3,280 |
|
|
$ |
15,870 |
|
|
$ |
16,369 |
|
|
$ |
17,582 |
|
|
$ |
8,310 |
|
|
$ |
14,075 |
|
|
$ |
75,486 |
|
Home improvement |
|
|
108 |
|
|
|
3,668 |
|
|
|
5,141 |
|
|
|
4,365 |
|
|
|
1,824 |
|
|
|
1,471 |
|
|
|
16,577 |
|
Commercial |
|
|
— |
|
|
|
— |
|
|
|
— |
|
|
|
152 |
|
|
|
— |
|
|
|
5,013 |
|
|
|
5,165 |
|
Taxi medallion |
|
|
— |
|
|
|
— |
|
|
|
— |
|
|
|
— |
|
|
|
— |
|
|
|
15 |
|
|
|
15 |
|
Total |
|
$ |
3,388 |
|
|
$ |
19,538 |
|
|
$ |
21,510 |
|
|
$ |
22,099 |
|
|
$ |
10,134 |
|
|
$ |
20,574 |
|
|
$ |
97,243 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
December 31, 2024
(Dollars in thousands) |
|
2024 |
|
|
2023 |
|
|
2022 |
|
|
2021 |
|
|
2020 |
|
|
Prior |
|
|
Total |
|
Recreation |
|
$ |
3,203 |
|
|
$ |
18,540 |
|
|
$ |
22,883 |
|
|
$ |
10,789 |
|
|
$ |
4,222 |
|
|
$ |
9,712 |
|
|
$ |
69,349 |
|
Home improvement |
|
|
841 |
|
|
|
5,766 |
|
|
|
6,412 |
|
|
|
3,131 |
|
|
|
815 |
|
|
|
1,070 |
|
|
|
18,035 |
|
Commercial |
|
|
— |
|
|
|
71 |
|
|
|
— |
|
|
|
— |
|
|
|
— |
|
|
|
— |
|
|
|
71 |
|
Taxi medallion |
|
|
— |
|
|
|
— |
|
|
|
— |
|
|
|
— |
|
|
|
— |
|
|
|
124 |
|
|
|
124 |
|
Total |
|
$ |
4,044 |
|
|
$ |
24,377 |
|
|
$ |
29,295 |
|
|
$ |
13,920 |
|
|
$ |
5,037 |
|
|
$ |
10,906 |
|
|
$ |
87,579 |
|
The following tables present the allowance for credit losses by type as of December 31, 2025 and 2024.
|
|
|
|
|
|
|
|
|
|
|
|
|
December 31, 2025
(Dollars in thousands) |
|
Amount |
|
|
Percentage
of Allowance (1) |
|
|
Allowance as
a Percent of
Loan Category (2) |
|
Recreation |
|
$ |
85,956 |
|
|
|
75 |
% |
|
|
5.32 |
% |
Home improvement |
|
|
19,563 |
|
|
|
17 |
|
|
|
2.41 |
|
Commercial |
|
|
9,052 |
|
|
|
8 |
|
|
|
7.36 |
|
Taxi medallion |
|
|
218 |
|
|
* |
|
|
|
18.49 |
|
Total (2) |
|
$ |
114,789 |
|
|
|
100 |
% |
|
|
|
(1)Does not include loans held for sale which are carried at the lower of amortized cost or fair value for which an allowance for credit loss is not established. (2)As of December 31, 2025, total allowance for credit losses as a percentage of nonaccrual loans was 281%. (*) Less than 0.1%.
|
|
|
|
|
|
|
|
|
|
|
|
|
December 31, 2024
(Dollars in thousands) |
|
Amount |
|
|
Percentage
of Allowance (1) |
|
|
Allowance as
a Percent of
Loan Category (2) |
|
Recreation |
|
$ |
71,102 |
|
|
|
73 |
% |
|
|
5.00 |
% |
Home improvement |
|
|
20,536 |
|
|
|
21 |
|
|
|
2.48 |
|
Commercial |
|
|
5,190 |
|
|
|
5 |
|
|
|
4.66 |
|
Taxi medallion |
|
|
540 |
|
|
|
1 |
|
|
|
28.29 |
|
Total (2) |
|
$ |
97,368 |
|
|
|
100 |
% |
|
|
|
(1)Does not include loans held for sale which are carried at the lower of amortized cost or fair value for which an allowance for credit loss is not established. (2)As of December 31, 2024, total allowance for credit losses as a percentage of nonaccrual loans was 292%. The following tables present the performance status of loans as of December 31, 2025 and 2024.
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
December 31, 2025
(Dollars in thousands) |
|
Performing |
|
|
Nonperforming |
|
|
Total |
|
|
Percentage of
Nonperforming
to Total |
|
Recreation |
|
$ |
1,603,542 |
|
|
$ |
13,679 |
|
|
$ |
1,617,221 |
|
|
|
0.85 |
% |
Home improvement |
|
|
808,943 |
|
|
|
1,294 |
|
|
|
810,237 |
|
|
|
0.16 |
|
Commercial |
|
|
98,380 |
|
|
|
24,688 |
|
|
|
123,068 |
|
|
|
20.06 |
|
Taxi medallion |
|
|
— |
|
|
|
1,179 |
|
|
|
1,179 |
|
|
|
100.00 |
|
Strategic partnership |
|
|
15,144 |
|
|
|
— |
|
|
|
15,144 |
|
|
|
— |
|
Total |
|
$ |
2,526,009 |
|
|
$ |
40,840 |
|
|
$ |
2,566,849 |
|
|
|
1.59 |
% |
|
|
|
|
|
|
|
|
|
|
|
|
|
December 31, 2024
(Dollars in thousands) |
|
Performing |
|
|
Nonperforming |
|
|
Total |
|
|
Percentage of
Nonperforming
to Total |
|
Recreation |
|
$ |
1,532,448 |
|
|
$ |
10,795 |
|
|
$ |
1,543,243 |
|
|
|
0.70 |
% |
Home improvement |
|
|
825,825 |
|
|
|
1,386 |
|
|
|
827,211 |
|
|
|
0.17 |
|
Commercial |
|
|
92,010 |
|
|
|
19,263 |
|
|
|
111,273 |
|
|
|
17.31 |
|
Taxi medallion |
|
|
— |
|
|
|
1,909 |
|
|
|
1,909 |
|
|
|
100.00 |
|
Strategic partnership |
|
|
7,386 |
|
|
|
— |
|
|
|
7,386 |
|
|
|
— |
|
Total |
|
$ |
2,457,669 |
|
|
$ |
33,353 |
|
|
$ |
2,491,022 |
|
|
|
1.34 |
% |
For those loans aged under 90 days past due, there is a possibility that their delinquency status will continue to deteriorate and they will subsequently be placed on nonaccrual status and be reserved for, and as a result, deemed nonperforming. The following tables present the aging of all loans as of December 31, 2025 and 2024.
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
December 31, 2025 |
|
Days Past Due |
|
|
|
|
|
|
|
|
|
|
|
Recorded
Investment
90 Days and |
|
(Dollars in thousands) |
|
30-59 |
|
|
60-89 |
|
|
90 + |
|
|
Total |
|
|
Current |
|
|
Total (1) |
|
|
Accruing |
|
Recreation |
|
$ |
56,911 |
|
|
$ |
22,890 |
|
|
$ |
12,856 |
|
|
$ |
92,657 |
|
|
$ |
1,469,444 |
|
|
$ |
1,562,101 |
|
|
$ |
— |
|
Home improvement |
|
|
4,891 |
|
|
|
2,367 |
|
|
|
1,300 |
|
|
|
8,558 |
|
|
|
804,627 |
|
|
|
813,185 |
|
|
|
— |
|
Commercial |
|
|
— |
|
|
|
— |
|
|
|
10,274 |
|
|
|
10,274 |
|
|
|
112,942 |
|
|
|
123,216 |
|
|
|
— |
|
Taxi medallion |
|
|
— |
|
|
|
— |
|
|
|
41 |
|
|
|
41 |
|
|
|
1,138 |
|
|
|
1,179 |
|
|
|
— |
|
Strategic partnership |
|
|
— |
|
|
|
— |
|
|
|
— |
|
|
|
— |
|
|
|
15,144 |
|
|
|
15,144 |
|
|
|
— |
|
Total |
|
$ |
61,802 |
|
|
$ |
25,257 |
|
|
$ |
24,471 |
|
|
$ |
111,530 |
|
|
$ |
2,403,295 |
|
|
$ |
2,514,825 |
|
|
$ |
— |
|
(1)Excludes $52.0 million of capitalized loan origination costs.
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
December 31, 2024 |
|
Days Past Due |
|
|
|
|
|
|
|
|
|
|
|
Recorded
Investment
90 Days and |
|
(Dollars in thousands) |
|
30-59 |
|
|
60-89 |
|
|
90 + |
|
|
Total |
|
|
Current |
|
|
Total (1) |
|
|
Accruing |
|
Recreation |
|
$ |
54,169 |
|
|
$ |
20,376 |
|
|
$ |
10,018 |
|
|
$ |
84,563 |
|
|
$ |
1,407,977 |
|
|
$ |
1,492,540 |
|
|
$ |
— |
|
Home improvement |
|
|
5,407 |
|
|
|
2,432 |
|
|
|
1,386 |
|
|
|
9,225 |
|
|
|
821,852 |
|
|
|
831,077 |
|
|
|
— |
|
Commercial |
|
|
— |
|
|
|
— |
|
|
|
16,337 |
|
|
|
16,337 |
|
|
|
95,127 |
|
|
|
111,464 |
|
|
|
— |
|
Taxi medallion |
|
|
49 |
|
|
|
69 |
|
|
|
— |
|
|
|
118 |
|
|
|
1,791 |
|
|
|
1,909 |
|
|
|
— |
|
Strategic partnership |
|
|
— |
|
|
|
— |
|
|
|
— |
|
|
|
— |
|
|
|
7,386 |
|
|
|
7,386 |
|
|
|
— |
|
Total |
|
$ |
59,625 |
|
|
$ |
22,877 |
|
|
$ |
27,741 |
|
|
$ |
110,243 |
|
|
$ |
2,334,133 |
|
|
$ |
2,444,376 |
|
|
$ |
— |
|
(1)Excludes $46.6 million of capitalized loan origination costs. The following table presents loan delinquency for recreation and home improvement loans for the year ended December 31, 2025 by the year of origination:
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
(Dollars in thousands) |
|
2025 |
|
|
2024 |
|
|
2023 |
|
|
2022 |
|
|
2021 |
|
|
Prior |
|
|
Total (1) |
|
Recreation |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Current |
|
$ |
423,427 |
|
|
$ |
335,079 |
|
|
$ |
237,917 |
|
|
$ |
209,204 |
|
|
$ |
132,704 |
|
|
$ |
131,113 |
|
|
$ |
1,469,444 |
|
30-59 Days |
|
|
8,210 |
|
|
|
12,763 |
|
|
|
11,042 |
|
|
|
10,623 |
|
|
|
6,061 |
|
|
|
8,212 |
|
|
|
56,911 |
|
60-89 Days |
|
|
2,374 |
|
|
|
5,414 |
|
|
|
4,918 |
|
|
|
4,872 |
|
|
|
2,581 |
|
|
|
2,731 |
|
|
|
22,890 |
|
90 + Days |
|
|
1,487 |
|
|
|
3,136 |
|
|
|
2,803 |
|
|
|
2,329 |
|
|
|
1,347 |
|
|
|
1,754 |
|
|
|
12,856 |
|
Total Recreation |
|
$ |
435,498 |
|
|
$ |
356,392 |
|
|
$ |
256,680 |
|
|
$ |
227,028 |
|
|
$ |
142,693 |
|
|
$ |
143,810 |
|
|
$ |
1,562,101 |
|
Home improvement |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Current |
|
$ |
193,964 |
|
|
$ |
172,735 |
|
|
$ |
151,637 |
|
|
$ |
151,365 |
|
|
$ |
71,812 |
|
|
$ |
63,114 |
|
|
$ |
804,627 |
|
30-59 Days |
|
|
535 |
|
|
|
980 |
|
|
|
1,609 |
|
|
|
876 |
|
|
|
513 |
|
|
|
378 |
|
|
|
4,891 |
|
60-89 Days |
|
|
353 |
|
|
|
761 |
|
|
|
441 |
|
|
|
455 |
|
|
|
199 |
|
|
|
158 |
|
|
|
2,367 |
|
90 + Days |
|
|
— |
|
|
|
410 |
|
|
|
417 |
|
|
|
331 |
|
|
|
42 |
|
|
|
100 |
|
|
|
1,300 |
|
Total Home improvement |
|
$ |
194,852 |
|
|
$ |
174,886 |
|
|
$ |
154,104 |
|
|
$ |
153,027 |
|
|
$ |
72,566 |
|
|
$ |
63,750 |
|
|
$ |
813,185 |
|
(1)Excludes $55.1 million of capitalized recreation loan origination costs and $2.9 million of capitalized home improvement loan origination costs. The following table presents loan delinquency for recreation and home improvement loans for the year ended December 31, 2024 by the year of origination:
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
(Dollars in thousands) |
|
2024 |
|
|
2023 |
|
|
2022 |
|
|
2021 |
|
|
2020 |
|
|
Prior |
|
|
Total (1) |
|
Recreation |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Current |
|
$ |
475,880 |
|
|
$ |
306,719 |
|
|
$ |
272,495 |
|
|
$ |
169,808 |
|
|
$ |
72,760 |
|
|
$ |
110,315 |
|
|
$ |
1,407,977 |
|
30-59 Days |
|
|
8,009 |
|
|
|
12,511 |
|
|
|
13,748 |
|
|
|
8,563 |
|
|
|
3,129 |
|
|
|
8,209 |
|
|
|
54,169 |
|
60-89 Days |
|
|
3,139 |
|
|
|
5,272 |
|
|
|
5,136 |
|
|
|
3,010 |
|
|
|
998 |
|
|
|
2,821 |
|
|
|
20,376 |
|
90 + Days |
|
|
1,300 |
|
|
|
2,966 |
|
|
|
2,799 |
|
|
|
1,414 |
|
|
|
450 |
|
|
|
1,089 |
|
|
|
10,018 |
|
Total Recreation |
|
$ |
488,328 |
|
|
$ |
327,468 |
|
|
$ |
294,178 |
|
|
$ |
182,795 |
|
|
$ |
77,337 |
|
|
$ |
122,434 |
|
|
$ |
1,492,540 |
|
Home improvement |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Current |
|
$ |
259,794 |
|
|
$ |
197,832 |
|
|
$ |
187,789 |
|
|
$ |
92,249 |
|
|
$ |
44,253 |
|
|
$ |
39,935 |
|
|
$ |
821,852 |
|
30-59 Days |
|
|
1,064 |
|
|
|
1,665 |
|
|
|
1,616 |
|
|
|
445 |
|
|
|
422 |
|
|
|
195 |
|
|
|
5,407 |
|
60-89 Days |
|
|
289 |
|
|
|
884 |
|
|
|
654 |
|
|
|
344 |
|
|
|
154 |
|
|
|
107 |
|
|
|
2,432 |
|
90 + Days |
|
|
196 |
|
|
|
392 |
|
|
|
504 |
|
|
|
203 |
|
|
|
37 |
|
|
|
54 |
|
|
|
1,386 |
|
Total Home improvement |
|
$ |
261,343 |
|
|
$ |
200,773 |
|
|
$ |
190,563 |
|
|
$ |
93,241 |
|
|
$ |
44,866 |
|
|
$ |
40,291 |
|
|
$ |
831,077 |
|
(1)Excludes $50.7 million of capitalized recreation loan origination costs and $3.9 million of capitalized home improvement loan origination costs. |