XML 62 R49.htm IDEA: XBRL DOCUMENT v3.20.2
Loans and Allowance for Credit Losses - Additional Information (Details) - USD ($)
$ in Thousands
3 Months Ended 9 Months Ended
Sep. 30, 2020
Mar. 31, 2020
Sep. 30, 2019
Sep. 30, 2020
Sep. 30, 2019
Dec. 31, 2019
Unamortized net deferred fees $ 33,000     $ 33,000   $ 25,200
Serving assets not reflected as loan balances 94,000     94,000   99,000
Credit modification exposure       $ 851,000    
Credit modification exposure percentage       10.80%    
Financing receivable, net $ 7,880,255     $ 7,880,255   7,545,748
Interest on nonaccrual loans       $ 2,600 $ 2,700  
Loans secured by real estate (percent) 79.00%     79.00%    
Increase in allowance for credit losses $ 6,589   $ 3,186 $ 40,498 10,146  
Reserve for unfunded commitments 5,092     5,092   0
Provision for credit losses utilizing the newly adopted methodology       856 1,000  
Net charge-offs (5,170)   (1,552) (14,555) (6,370)  
Loans and leases receivable, net of deferred income 7,880,255     7,880,255   7,545,748
ASU 2016-13            
Increase in allowance for credit losses   $ 14,700        
Reserve for unfunded commitments   $ 4,100        
Criticized | ASU 2016-13            
Provision for credit losses utilizing the newly adopted methodology $ 6,600     $ 40,700    
ADC Loans            
Percent of ADC loan portfolio using interest reserves 58.00%     58.00%    
Financing receivable, net $ 1,400,000     $ 1,400,000    
Home equity            
Financing receivable, net 72,648     72,648   80,061
Increase in allowance for credit losses (13)   (6) 198 (24)  
Net charge-offs (92)     (92)    
Loans and leases receivable, net of deferred income $ 72,648     $ 72,648   80,061
Owner Occupied Commercial Real Estate and Construction            
Percent of loan portfolio 14.00%     14.00%    
Income Producing Commercial Real Estate and Real Estate Construction            
Percent of loan portfolio 58.00%     58.00%    
Maximum loan to value (percent) 80.00%     80.00%    
Income Producing Commercial Real Estate and Real Estate Construction | Minimum            
Minimum cash flow debt service coverage ratio 1.15     1.15    
Income Producing Commercial Real Estate and Real Estate Construction | Maximum            
Minimum cash flow debt service coverage ratio 1.0     1.0    
Commercial Real Estate and Real Estate Construction Loans            
Percent of loan portfolio 73.00%     73.00%    
Commercial            
Percent of loan portfolio 19.00%     19.00%    
Financing receivable, net $ 1,524,613     $ 1,524,613   1,545,906
Increase in allowance for credit losses (712)   1,617 14,716 3,734  
Provision for credit losses utilizing the newly adopted methodology       227 0  
Net charge-offs (142)   (1,584) (7,216) (1,422)  
Loans and leases receivable, net of deferred income $ 1,524,613     $ 1,524,613   1,545,906
Commercial | Minimum            
Loan period, preferred term       5 years    
Commercial | Maximum            
Loan period       10 years    
Loan period, preferred term       7 years    
Amortization term       25 years    
Commercial | SBA Loans            
Percent of loan portfolio 1.00%     1.00%    
Consumer Portfolio Segment            
Percent of loan portfolio 1.00%     1.00%    
Consumer Portfolio Segment | Land Acquisition Development and Construction Loans | Maximum            
Loan period       24 months    
PPP loans            
Financing receivable, net $ 456,115     $ 456,115    
Loans and leases receivable, net of deferred income $ 456,115     $ 456,115   0
PPP loans | SBA Loans            
Percent of loan portfolio 6.00%     6.00%    
Real estate mortgage residential            
Financing receivable, net $ 82,385     $ 82,385   104,221
Increase in allowance for credit losses 321   (3) 615 384  
Net charge-offs     0   3  
Loans and leases receivable, net of deferred income $ 82,385     $ 82,385   $ 104,221
Real estate mortgage residential | Real Estate Loan            
Percent of loan portfolio 1.00%     1.00%    
Repricing duration       17 months    
Real estate mortgage residential | Land Acquisition Development and Construction Loans | Maximum            
Loan period       36 months    
Non-Performing Loans            
TDRs $ 6,300   $ 900 $ 6,300 $ 900