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Loans (Tables)
 3 Months Ended
Mar. 31, 2019
Receivables [Abstract]  
Summary of loans under portfolio
A summary of the Corporation's loans follows:
(Dollars in thousands)
 
Originated
 
Acquired(1)
 
Total Loans
March 31, 2019
 
 
 
 
 
 
Commercial loan portfolio:
 
 
 
 
 
 
Commercial
 
$
3,428,432

 
$
625,640

 
$
4,054,072

Commercial real estate:
 
 
 
 
 
 
Owner-occupied
 
1,536,956

 
513,474

 
2,050,430

Non-owner occupied
 
1,961,863

 
774,457

 
2,736,320

Vacant land
 
36,454

 
11,965

 
48,419

Total commercial real estate
 
3,535,273

 
1,299,896

 
4,835,169

Real estate construction and land development
 
592,289

 
30,301

 
622,590

Subtotal
 
7,555,994

 
1,955,837

 
9,511,831

Consumer loan portfolio:
 
 
 
 
 
 
Residential mortgage
 
2,542,943

 
1,006,674

 
3,549,617

Consumer installment
 
1,440,193

 
64,248

 
1,504,441

Home equity
 
603,144

 
155,015

 
758,159

Subtotal
 
4,586,280

 
1,225,937

 
5,812,217

Total loans(2)
 
$
12,142,274

 
$
3,181,774

 
$
15,324,048

December 31, 2018
 
 
 
 
 
 
Commercial loan portfolio:
 
 
 
 
 
 
Commercial
 
$
3,287,087

 
$
715,481

 
$
4,002,568

Commercial real estate:
 
 
 
 
 
 
Owner-occupied
 
1,513,532

 
546,025

 
2,059,557

Non-owner occupied
 
1,966,330

 
818,690

 
2,785,020

Vacant land
 
40,295

 
27,215

 
67,510

Total commercial real estate
 
3,520,157

 
1,391,930

 
4,912,087

Real estate construction and land development
 
566,726

 
30,486

 
597,212

Subtotal
 
7,373,970

 
2,137,897

 
9,511,867

Consumer loan portfolio:
 
 
 
 
 
 
Residential mortgage
 
2,407,305

 
1,051,361

 
3,458,666

Consumer installment
 
1,451,352

 
69,722

 
1,521,074

Home equity
 
612,129

 
166,043

 
778,172

Subtotal
 
4,470,786

 
1,287,126

 
5,757,912

Total loans(2)
 
$
11,844,756

 
$
3,425,023

 
$
15,269,779


(1) 
Loans acquired in the Talmer, Lake Michigan, Monarch, Northwestern and OAK acquisitions were elected to be accounted for under ASC 310-30, Loans and Debt Securities Acquired with Deteriorated Credit Quality (ASC 310-30), by analogy.
(2) 
Reported net of deferred costs totaling $22.2 million and $19.7 million at March 31, 2019 and December 31, 2018, respectively.
Schedule of activity for accretable yield
Activity for the accretable yield, which includes contractually due expected cash flows for acquired loans that have been renewed or extended since the date of acquisition and continue to be accounted for in loan pools in accordance with ASC 310-30, follows:
(Dollars in thousands)
 
Talmer
 
Lake Michigan
 
Monarch
 
North-western
 
OAK
 
Total
Three Months Ended March 31, 2019
 
 
 
 
 
 
 
 
 
 
 
 
Balance at beginning of period
 
$
505,332

 
$
73,132

 
$
17,832

 
$
41,455

 
$
9,574

 
$
647,325

Accretion recognized in interest income
 
(38,031
)
 
(5,551
)
 
(774
)
 
(3,420
)
 
(1,369
)
 
(49,145
)
Net reclassification (to) from nonaccretable difference(1)
 
2,412

 
1,414

 
(91
)
 
609

 
140

 
4,484

Balance at end of period
 
$
469,713

 
$
68,995

 
$
16,967

 
$
38,644

 
$
8,345

 
$
602,664

 
 
 
 
 
 
 
 
 
 
 
 
 
Three Months Ended March 31, 2018
 
 
 
 
 
 
 
 
 
 
 
 
Balance at beginning of period
 
$
731,353

 
$
95,124

 
$
22,496

 
$
60,814

 
$
17,110

 
$
926,897

Accretion recognized in interest income
 
(42,640
)
 
(6,758
)
 
(1,156
)
 
(4,904
)
 
(3,103
)
 
(58,561
)
Net reclassification (to) from nonaccretable difference(1)
 
(2,883
)
 
1,790

 
(186
)
 
(510
)
 
2,151

 
362

Balance at end of period
 
$
685,830

 
$
90,156

 
$
21,154

 
$
55,400

 
$
16,158

 
$
868,698


(1) 
The net reclassification results from changes in expected cash flows of the acquired loans which may include increases in the amount of contractual principal and interest expected to be collected due to improvement in credit quality, increases in balances outstanding from advances, renewals, extensions and interest rates; as well as reductions in contractual principal and interest expected to be collected due to credit deterioration, payoffs, and decreases in interest rates.
Recorded investment of loans in the commercial loan portfolio by risk rating categories
The following schedule presents the recorded investment of loans in the commercial loan portfolio by credit risk categories at March 31, 2019 and December 31, 2018:
(Dollars in thousands)
 
Pass
 
Special Mention
 
Substandard
 
Doubtful
 
Total
March 31, 2019
 
 
 
 
 
 
 
 
 
 
Originated Portfolio:
 
 
 
 
 
 
 
 
 
 
Commercial
 
$
3,242,753

 
$
87,939

 
$
89,169

 
$
8,571

 
$
3,428,432

Commercial real estate:
 
 
 
 
 
 
 
 
 
 
Owner-occupied
 
1,456,316

 
31,550

 
48,927

 
163

 
1,536,956

Non-owner occupied
 
1,897,810

 
41,195

 
22,807

 
51

 
1,961,863

Vacant land
 
33,756

 
98

 
2,597

 
3

 
36,454

Total commercial real estate
 
3,387,882

 
72,843

 
74,331

 
217

 
3,535,273

Real estate construction and land development
 
577,693

 
10,933

 
3,663

 
—

 
592,289

Subtotal
 
7,208,328

 
171,715

 
167,163

 
8,788

 
7,555,994

Acquired Portfolio:
 
 
 
 
 
 
 
 
 
 
Commercial
 
570,164

 
33,067

 
22,398

 
11

 
625,640

Commercial real estate:
 
 
 
 
 
 
 
 
 
 
Owner-occupied
 
477,378

 
20,522

 
15,563

 
11

 
513,474

Non-owner occupied
 
703,703

 
52,006

 
18,748

 
—

 
774,457

Vacant land
 
11,764

 
201

 
—

 
—

 
11,965

Total commercial real estate
 
1,192,845

 
72,729

 
34,311

 
11

 
1,299,896

Real estate construction and land development
 
29,174

 
59

 
1,068

 
—

 
30,301

Subtotal
 
1,792,183

 
105,855

 
57,777

 
22

 
1,955,837

Total
 
$
9,000,511

 
$
277,570

 
$
224,940

 
$
8,810

 
$
9,511,831

December 31, 2018
 
 
 
 
 
 
 
 
 
 
Originated Portfolio:
 
 
 
 
 
 
 
 
 
 
Commercial
 
$
3,118,894

 
$
87,222

 
$
77,036

 
$
3,935

 
$
3,287,087

Commercial real estate:
 
 
 
 
 
 
 
 
 
 
Owner-occupied
 
1,430,948

 
32,056

 
50,286

 
242

 
1,513,532

Non-owner occupied
 
1,901,822

 
39,416

 
25,092

 
—

 
1,966,330

Vacant land
 
36,499

 
—

 
3,741

 
55

 
40,295

Total commercial real estate
 
3,369,269

 
71,472

 
79,119

 
297

 
3,520,157

Real estate construction and land development
 
557,040

 
6,108

 
3,578

 
—

 
566,726

Subtotal
 
7,045,203

 
164,802

 
159,733

 
4,232

 
7,373,970

Acquired Portfolio:
 
 
 
 
 
 
 
 
 
 
Commercial
 
655,883

 
36,809

 
22,773

 
16

 
715,481

Commercial real estate:
 
 
 
 
 
 
 
 
 
 
Owner-occupied
 
500,072

 
28,909

 
17,033

 
11

 
546,025

Non-owner occupied
 
740,900

 
52,546

 
25,244

 
—

 
818,690

Vacant land
 
26,978

 
237

 
—

 
—

 
27,215

Total commercial real estate
 
1,267,950

 
81,692

 
42,277

 
11

 
1,391,930

Real estate construction and land development
 
29,248

 
97

 
1,141

 
—

 
30,486

Subtotal
 
1,953,081

 
118,598

 
66,191

 
27

 
2,137,897

Total
 
$
8,998,284

 
$
283,400

 
$
225,924

 
$
4,259

 
$
9,511,867
Recorded investment of loans in the consumer loan portfolio based on the credit risk profile of loans in a performing and nonperforming status
The following schedule presents the recorded investment of loans in the consumer loan portfolio based on loans in a performing status and loans in a nonperforming status at March 31, 2019 and December 31, 2018:
(Dollars in thousands)
 
Residential Mortgage
 
Consumer
Installment
 
Home Equity
 
Total
Consumer
March 31, 2019
 
 
 
 
 
 
 
 
Originated Loans:
 
 
 
 
 
 
 
 
Performing
 
$
2,535,278

 
$
1,439,002

 
$
599,871

 
$
4,574,151

Nonperforming
 
7,665

 
1,191

 
3,273

 
12,129

Subtotal
 
2,542,943

 
1,440,193

 
603,144

 
4,586,280

Acquired Loans
 
1,006,674

 
64,248

 
155,015

 
1,225,937

Total
 
$
3,549,617

 
$
1,504,441

 
$
758,159

 
$
5,812,217

December 31, 2018
 
 
 
 
 
 
 
 
Originated Loans:
 
 
 
 
 
 
 
 
Performing
 
$
2,399,317

 
$
1,450,076

 
$
608,525

 
$
4,457,918

Nonperforming
 
7,988

 
1,276

 
3,604

 
12,868

Subtotal
 
2,407,305

 
1,451,352

 
612,129

 
4,470,786

Acquired Loans
 
1,051,361

 
69,722

 
166,043

 
1,287,126

Total
 
$
3,458,666

 
$
1,521,074

 
$
778,172

 
$
5,757,912
Summary of nonperforming loans
A summary of nonperforming assets follows:
(Dollars in thousands)
 
March 31,
2019
 
December 31,
2018
Nonperforming assets
 
 
 
 
Nonaccrual loans:
 
 
 
 
Commercial
 
$
33,715

 
$
30,139

Commercial real estate:
 
 
 
 
Owner-occupied
 
18,234

 
16,056

Non-owner occupied
 
19,430

 
23,021

Vacant land
 
2,153

 
3,337

Total commercial real estate
 
39,817

 
42,414

Real estate construction and land development
 
3,663

 
12

Residential mortgage
 
7,665

 
7,988

Consumer installment
 
1,191

 
1,276

Home equity
 
3,273

 
3,604

Total nonaccrual loans
 
89,324

 
85,433

Other real estate owned and repossessed assets
 
9,106

 
6,256

Total nonperforming assets
 
$
98,430

 
$
91,689
Schedule representing the aging status of the recorded investment in loans by classes
Loan delinquency, excluding acquired loans accounted for under ASC 310-30, was as follows:
 
 
Loans Past Due and Still Accruing
 
 
 
 
 
 
(Dollars in thousands)
 
30-89
days
past due
 
90 days or more past due
 
Total past due
 
Nonaccrual Loans
 
Current
 
Total loans
March 31, 2019
 
 
 
 
 
 
 
 
 
 
 
 
Originated Portfolio:
 
 
 
 
 
 
 
 
 
 
 
 
Commercial
 
$
23,700

 
$
544

 
$
24,244

 
$
33,715

 
$
3,370,473

 
$
3,428,432

Commercial real estate:
 
 
 
 
 
 
 
 
 
 
 
 
Owner-occupied
 
4,642

 
—

 
4,642

 
18,234

 
1,514,080

 
1,536,956

Non-owner occupied
 
1,975

 
—

 
1,975

 
19,430

 
1,940,458

 
1,961,863

Vacant land
 
926

 
—

 
926

 
2,153

 
33,375

 
36,454

Total commercial real estate
 
7,543

 
—

 
7,543

 
39,817

 
3,487,913

 
3,535,273

Real estate construction and land development
 
1,528

 
—

 
1,528

 
3,663

 
587,098

 
592,289

Residential mortgage
 
2,247

 
—

 
2,247

 
7,665

 
2,533,031

 
2,542,943

Consumer installment
 
3,556

 
—

 
3,556

 
1,191

 
1,435,446

 
1,440,193

Home equity
 
2,495

 
—

 
2,495

 
3,273

 
597,376

 
603,144

Total
 
$
41,069

 
$
544

 
$
41,613

 
$
89,324

 
$
12,011,337

 
$
12,142,274

December 31, 2018
 
 
 
 
 
 
 
 
 
 
 
 
Originated Portfolio:
 
 
 
 
 
 
 
 
 
 
 
 
Commercial
 
$
16,835

 
$
—

 
$
16,835

 
$
30,139

 
$
3,240,113

 
$
3,287,087

Commercial real estate:
 
 
 
 
 
 
 
 
 
 
 
 
Owner-occupied
 
4,657

 
52

 
4,709

 
16,056

 
1,492,767

 
1,513,532

Non-owner occupied
 
1,793

 
887

 
2,680

 
23,021

 
1,940,629

 
1,966,330

Vacant land
 
160

 
—

 
160

 
3,337

 
36,798

 
40,295

Total commercial real estate
 
6,610

 
939

 
7,549

 
42,414

 
3,470,194

 
3,520,157

Real estate construction and land development
 
247

 
—

 
247

 
12

 
566,467

 
566,726

Residential mortgage
 
1,688

 
—

 
1,688

 
7,988

 
2,397,629

 
2,407,305

Consumer installment
 
4,731

 
—

 
4,731

 
1,276

 
1,445,345

 
1,451,352

Home equity
 
3,843

 
488

 
4,331

 
3,604

 
604,194

 
612,129

Total
 
$
33,954

 
$
1,427

 
$
35,381

 
$
85,433

 
$
11,723,942

 
$
11,844,756
Schedule of Impaired loans by classes
The following schedules present impaired loans by classes of loans at March 31, 2019 and December 31, 2018:
(Dollars in thousands)
 
Recorded
investment
 
Unpaid
principal
balance
 
Related
valuation
allowance
March 31, 2019
 
 
 
 
 
 
Impaired loans with a valuation allowance:
 
 
 
 
 
 
Commercial
 
$
27,102

 
$
29,617

 
$
4,971

Commercial real estate:
 
 
 
 
 
 
Owner-occupied
 
19,116

 
21,157

 
1,619

Non-owner occupied
 
4,739

 
5,816

 
392

Vacant land
 
1,000

 
1,205

 
110

Total commercial real estate
 
24,855

 
28,178

 
2,121

Real estate construction and land development
 
3,776

 
3,776

 
486

Residential mortgage
 
9,961

 
9,961

 
711

Consumer installment
 
1,051

 
1,051

 
103

Home equity
 
4,011

 
4,011

 
246

Subtotal
 
70,756

 
76,594

 
8,638

Impaired loans with no related valuation allowance:
 
 
 
 
 
 
Commercial
 
23,748

 
24,800

 
—

Commercial real estate:
 
 
 
 
 
 
Owner-occupied
 
11,964

 
12,825

 
—

Non-owner occupied
 
21,186

 
21,698

 
—

Vacant land
 
1,648

 
2,635

 
—

Total commercial real estate
 
34,798

 
37,158

 
—

Real estate construction and land development
 
147

 
147

 
—

Residential mortgage
 
7,581

 
7,581

 
—

Consumer installment
 
368

 
368

 
—

Home equity
 
1,806

 
1,806

 
—

Subtotal
 
68,448

 
71,860

 
—

Total impaired loans:
 
 
 
 
 
 
Commercial
 
50,850

 
54,417

 
4,971

Commercial real estate:
 
 
 
 
 
 
Owner-occupied
 
31,080

 
33,982

 
1,619

Non-owner occupied
 
25,925

 
27,514

 
392

Vacant land
 
2,648

 
3,840

 
110

Total commercial real estate
 
59,653

 
65,336

 
2,121

Real estate construction and land development
 
3,923

 
3,923

 
486

Residential mortgage
 
17,542

 
17,542

 
711

Consumer installment
 
1,419

 
1,419

 
103

Home equity
 
5,817

 
5,817

 
246

Total
 
$
139,204

 
$
148,454

 
$
8,638
Schedule presents information related to impaired loans
The following schedule presents additional information regarding impaired loans by classes of loans segregated by those requiring a valuation allowance and those not requiring a valuation allowance for the three months ended March 31, 2019 and 2018, and the respective interest income amounts recognized:
 
 
Three Months Ended March 31, 2019
 
Three Months Ended March 31, 2018
(Dollars in thousands)
 
Average
recorded
investment
 
Interest income
recognized
while on
impaired status
 
Average
recorded
investment
 
Interest income
recognized
while on
impaired status
Impaired loans with a valuation allowance:
 
 
 
 
Commercial
 
$
21,633

 
$
86

 
$
20,402

 
$
165

Commercial real estate:
 
 
 
 
 
 
 
 
Owner-occupied
 
17,528

 
125

 
14,072

 
82

Non-owner occupied
 
13,061

 
45

 
3,870

 
11

Vacant land
 
1,004

 
8

 
3,695

 
15

Total commercial real estate
 
31,593

 
178

 
21,637

 
108

Real estate construction and land development
 
2,618

 
2

 
225

 
2

Residential mortgage
 
9,999

 
101

 
13,604

 
117

Consumer installment
 
1,175

 
2

 
906

 
1

Home equity
 
3,647

 
22

 
3,694

 
17

Subtotal
 
70,665

 
391

 
60,468

 
410

Impaired loans with no related valuation allowance:
 
 
 
 
Commercial
 
27,154

 
183

 
18,126

 
95

Commercial real estate:
 
 
 
 
 
 
 
 
Owner-occupied
 
11,571

 
53

 
15,369

 
56

Non-owner occupied
 
15,469

 
47

 
7,158

 
65

Vacant land
 
2,434

 
—

 
1,769

 
—

Total commercial real estate
 
29,474

 
100

 
24,296

 
121

Real estate construction and land development
 
49

 
2

 
107

 
1

Residential mortgage
 
7,736

 
28

 
6,138

 
23

Consumer installment
 
417

 
—

 
140

 
—

Home equity
 
2,206

 
7

 
2,046

 
7

Subtotal
 
67,036


320


50,853


247

Total impaired loans:
 
 
 
 
 
 
 
 
Commercial
 
48,787

 
269

 
38,528

 
260

Commercial real estate:
 
 
 
 
 
 
 
 
Owner-occupied
 
29,099

 
178

 
29,441

 
138

Non-owner occupied
 
28,530

 
92

 
11,028

 
76

Vacant land
 
3,438

 
8

 
5,464

 
15

Total commercial real estate
 
61,067

 
278

 
45,933

 
229

Real estate construction and land development
 
2,667

 
4

 
332

 
3

Residential mortgage
 
17,735

 
129

 
19,742

 
140

Consumer installment
 
1,592

 
2

 
1,046

 
1

Home equity
 
5,853

 
29

 
5,740

 
24

Total
 
$
137,701

 
$
711

 
$
111,321


$
657
Schedule providing information on TDRs
The following tables present the recorded investment of loans modified into TDRs during the three months ended March 31, 2019 and 2018 by type of concession granted. In cases where more than one type of concession was granted, the loans were categorized based on the most significant concession.
 
Concession type
 
 
 
 
 
 
(Dollars in thousands)
Principal
deferral
 
Principal
reduction
 
Interest
rate
 
Forbearance
agreement
 
Total
number
of loans
 
Pre-modification recorded investment
 
Post-modification recorded investment
For the three months ended March 31, 2019
 
 
 
 
 
 
 
 
 
 
 
 
 
Commercial loan portfolio:
 
 
 
 
 
 
 
 
 
 
 
 
Commercial
$
374

 
$
—

 
$
441

 
$
3,541

 
11

 
$
4,568

 
$
4,356

Commercial real estate:
 
 
 
 
 
 
 
 
 
 
 
 
 
Owner-occupied
2,707

 
103

 
29

 
1,360

 
5

 
4,213

 
4,199

Vacant land
22

 
—

 
—

 
—

 
1

 
24

 
22

Total commercial real estate
2,729

 
103

 
29

 
1,360

 
6

 
4,237

 
4,221

Total commercial
3,103

 
103

 
470

 
4,901

 
17

 
8,805

 
8,577

Consumer loan portfolio:
 
 
 
 
 
 
 
 
 
 
 
 
Residential mortgage
167

 
75

 
—

 
—

 
2

 
257

 
242

Consumer installment
46

 
26

 
—

 
—

 
11

 
79

 
72

Home equity
108

 
—

 
—

 
—

 
3

 
111

 
108

Total consumer
321

 
101

 
—

 
—

 
16

 
447

 
422

Total loans
$
3,424

 
$
204

 
$
470

 
$
4,901

 
33

 
$
9,252

 
$
8,999

 
 
 
 
 
 
 
 
 
Concession type
 
 
 
 
 
 
(Dollars in thousands)
Principal
deferral
 
Principal
reduction
 
Interest
rate
 
Forbearance
agreement
 
Total
number
of loans
 
Pre-modification recorded investment
 
Post-modification recorded investment
For the three months ended March 31, 2018
 
 
 
 
 
 
 
 
 
 
 
 
 
Commercial loan portfolio:
 
 
 
 
 
 
 
 
 
 
 
 
Commercial
$
903

 
$
—

 
$
1,065

 
$
261

 
18

 
$
2,235

 
$
2,229

Commercial real estate:
 
 
 
 
 
 
 
 
 
 
 
 
 
Owner-occupied
—

 
—

 
726

 
482

 
2

 
1,208

 
1,208

Non-owner occupied
68

 
—

 
—

 
—

 
1

 
74

 
68

Total commercial real estate
68

 
—

 
726

 
482

 
3

 
1,282

 
1,276

Total commercial
971

 
—

 
1,791

 
743

 
21

 
3,517

 
3,505

Consumer loan portfolio:
 
 
 
 
 
 
 
 
 
 
 
 
Residential mortgage
138

 
—

 
—

 
—

 
4

 
142

 
138

Consumer installment
71

 
23

 
28

 
—

 
16

 
128

 
122

Home equity
185

 
—

 
28

 
—

 
5

 
253

 
213

Total consumer
394

 
23

 
56

 
—

 
25

 
523

 
473

Total loans
$
1,365

 
$
23

 
$
1,847

 
$
743

 
46

 
$
4,040

 
$
3,978

    
The following schedule presents the Corporation's TDRs at March 31, 2019 and December 31, 2018:

(Dollars in thousands)
 
Accruing TDRs
 
Nonaccrual TDRs
 
Total
March 31, 2019
 
 
 
 
 
 
Commercial loan portfolio
 
$
37,219

 
$
23,801

 
$
61,020

Consumer loan portfolio
 
12,716

 
2,999

 
15,715

Total
 
$
49,935

 
$
26,800

 
$
76,735

December 31, 2018
 
 
 
 
 
 
Commercial loan portfolio
 
$
32,508

 
$
24,343

 
$
56,851

Consumer loan portfolio
 
13,072

 
3,732

 
16,804

Total
 
$
45,580

 
$
28,075

 
$
73,655
Troubled debt restructurings on financing receivables with defaults payment
The following schedule includes TDRs for which there was a payment default during the three months ended March 31, 2019 and 2018, whereby the borrower was past due with respect to principal and/or interest for 90 days or more, and the loan became a TDR during the twelve-month period prior to the default:

 
 
For The Three Months Ended March 31,
 
2019
2018
(Dollars in thousands)
 
Number of loans
 
Principal balance
Number of loans
 
Principal balance
Commercial loan portfolio (commercial)
 
—

 
$
—

1

 
$
82

Consumer loan portfolio (residential mortgage)
 
—

 
—

1

 
3

Total
 
—

 
$
—

2


$
85
Schedule of allowance and recorded investment related to financing receivables segregated by portfolio segment
The following schedule presents, by loan portfolio segment, the changes in the allowance for the originated loan portfolio for the three months ended March 31, 2019 and 2018.
(Dollars in thousands)
 
Commercial
Loan
Portfolio
 
Consumer
Loan
Portfolio
 
Total
Originated Loan Portfolio
 
 
 
 
 
 
Changes in allowance for loan losses for the three months ended March 31, 2019:
Beginning balance
 
$
82,759

 
$
26,805

 
$
109,564

Provision for loan losses
 
1,864

 
615

 
2,479

Charge-offs
 
(1,434
)
 
(1,771
)
 
(3,205
)
Recoveries
 
821

 
625

 
1,446

Ending balance
 
$
84,010

 
$
26,274

 
$
110,284

Changes in allowance for loan losses for the three months ended March 31, 2018:
Beginning balance
 
$
66,133

 
$
25,754

 
$
91,887

Provision for loan losses
 
3,400

 
2,856

 
6,256

Charge-offs
 
(2,594
)
 
(2,230
)
 
(4,824
)
Recoveries
 
805

 
638

 
1,443

Ending balance
 
$
67,744

 
$
27,018

 
$
94,762

        
The following schedule presents, by loan portfolio, the changes in the allowance for the acquired loan portfolio.
(Dollars in thousands)
 
Commercial
Loan
Portfolio
 
Consumer
Loan
Portfolio
 
Total
Acquired Loan Portfolio
 
 
 
 
 
 
Changes in allowance for loan losses for the three months ended March 31, 2019:
Beginning balance
 
$
420

 
$
—

 
$
420

Provision for loan losses
 
(420
)
 
—

 
(420
)
Charge-offs
 
—

 
—

 
—

Recoveries
 
—

 
—

 
—

Ending balance
 
$
—

 
$
—

 
$
—

    
The following schedule presents by loan portfolio segment, details regarding the balance in the allowance and the recorded investment in loans at March 31, 2019 and December 31, 2018 by impairment evaluation method.
(Dollars in thousands)
 
Commercial
Loan
Portfolio
 
Consumer
Loan
Portfolio
 
Total
Allowance for loan losses balance at March 31, 2019 attributable to:
Loans individually evaluated for impairment
 
$
7,578

 
$
1,060

 
$
8,638

Loans collectively evaluated for impairment
 
76,432

 
25,214

 
101,646

Loans accounted for under ASC 310-30
 
—

 
—

 
—

Total
 
$
84,010

 
$
26,274

 
$
110,284

Recorded investment (loan balance) at March 31, 2019:
Loans individually evaluated for impairment
 
$
114,426

 
$
24,778

 
$
139,204

Loans collectively evaluated for impairment
 
7,441,568

 
4,561,502

 
12,003,070

Loans accounted for under ASC 310-30
 
1,955,837

 
1,225,937

 
3,181,774

Total
 
$
9,511,831

 
$
5,812,217

 
$
15,324,048

(Dollars in thousands)
 
Commercial
Loan
Portfolio
 
Consumer
Loan
Portfolio
 
Total
Allowance for loan losses balance at December 31, 2018 attributable to:
 
 
Loans individually evaluated for impairment
 
$
5,474

 
$
1,330

 
$
6,804

Loans collectively evaluated for impairment
 
77,285

 
25,475

 
102,760

Loans acquired with deteriorated credit quality
 
420

 
—

 
420

Total
 
$
83,179

 
$
26,805

 
$
109,984

Recorded investment (loan balance) at December 31, 2018:
 
 
Loans individually evaluated for impairment
 
$
105,038

 
$
25,835

 
$
130,873

Loans collectively evaluated for impairment
 
7,268,932

 
4,444,951

 
11,713,883

Loans acquired with deteriorated credit quality
 
2,137,897

 
1,287,126

 
3,425,023

Total
 
$
9,511,867

 
$
5,757,912

 
$
15,269,779