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Loans And Allowance For Credit Losses (Tables)
 12 Months Ended
Dec. 31, 2022
Loans And Allowance For Credit Losses [Abstract]  
Summary Classification Of Held To Maturity Loan Portfolio
Major classifications within the Company’s held for investment loan portfolio at December 31, 2022 and 2021 are as follows:

(In thousands)20222021
Commercial:
Business
$5,661,725 $5,303,535 
Real estate — construction and land
1,361,095 1,118,266 
Real estate — business
3,406,981 3,058,837 
Personal Banking:
Real estate — personal
2,918,078 2,805,401 
Consumer
2,059,088 2,032,225 
Revolving home equity
297,207 275,945 
Consumer credit card
584,000 575,410 
Overdrafts
14,957 6,740 
Total loans (1)
$16,303,131 $15,176,359 
(1) Accrued interest receivable totaled $55.5 million and $25.9 million at December 31, 2022 and 2021, respectively, and was included within other assets on the consolidated balance sheet. For the year ended December 31, 2022, the Company wrote-off accrued interest by reversing interest income of $145 thousand and $3.2 million in the Commercial and Personal Banking portfolios, respectively.
Loans To Directors And Executive Officers
Loans to directors and executive officers of the Parent and the Bank, and to their affiliates, are summarized as follows:

(In thousands)
Balance at January 1, 2022
$36,141 
Additions16,999 
Amounts collected(15,372)
Amounts written off— 
Balance, December 31, 2022
$37,768 
CECL Model Inputs
Key assumptions in the Company’s allowance for credit loss model include the economic forecast, the reasonable and supportable period, forecasted macro-economic variables, prepayment assumptions and qualitative factors applied for portfolio composition changes, underwriting practices, or significant unique events or conditions. The assumptions utilized in estimating the Company’s allowance for credit losses at December 31, 2022 and 2021 are discussed below.

Key AssumptionDecember 31, 2022December 31, 2021
Overall economic forecast
•Continued high inflation and higher cost of borrowing create a mild recession in 2023 with stalled job growth and possible job losses
•Assumes interest rates hikes will taper
•Continued recovery from the Global Coronavirus Recession (GCR)
•Assumes improving health conditions
•Assumes gradual easing of supply constraints
•Continued uncertainty regarding the health crisis
•Uncertainty regarding rising inflation
Reasonable and supportable period and related reversion period
•Reasonable and supportable period of one year
•Reversion to historical average loss rates within two quarters using a straight-line method
•Reasonable and supportable period of one year
•Reversion to historical average loss rates within two quarters using a straight-line method
Forecasted macro-economic variables
•Unemployment rate ranging from 3.8% to 4.7% during the reasonable and supportable forecast period
•Real GDP growth ranging from (.9)% to 1.3%
•Prime rate from 7.6% to 7.7%
•BBB corporate yield from 5.1% to 5.8%
•Unemployment rate ranging from 4.1% to 3.7% during the reasonable and supportable forecast period
•Real GDP growth ranges from 5.0% to 3.4%
•Prime rate of 3.25% through the second quarter of 2022, increasing to 3.5% by the end of 2022
Prepayment assumptions
Commercial loans
•5% for most loan pools
Personal banking loans
•Ranging from 8.3% to 24.8% for most loan pools
•67.9% for consumer credit cards
Commercial loans
•5% for most loan pools
Personal banking loans
•Ranging from 28.0% to 16.5% for most loan pools
•64.1% for consumer credit cards
Qualitative factors
Added qualitative factors related to:
•Certain portfolios sensitive to pandemic economic uncertainties
•Changes in the composition of the loan portfolios
•Uncertainty related to unusually high rate of inflation and supply chain issues
•Loans downgraded to special mention, substandard, or non-accrual status
Added net reserves using qualitative processes related to:
•Loans originated in our expansion markets, loans that are designated as shared national credits, and certain portfolios sensitive to pandemic economic uncertainties
•Changes in the composition of the loan portfolios
•Loans downgraded to special mention, substandard, or non-accrual status
Summary Of Activity In The Allowance For Credit Losses
A summary of the activity in the allowance for credit losses on loans and the liability for unfunded lending commitments during the years ended December 31, 2022 and 2021 follows:

For the Year Ended December 31
(In thousands)CommercialPersonal Banking

Total
ALLOWANCE FOR CREDIT LOSSES ON LOANS
Balance December 31, 2021$97,776 $52,268 $150,044 
Provision for credit losses on loans6,550 12,605 19,155 
Deductions:
   Loans charged off1,480 27,762 29,242 
   Less recoveries on loans447 9,732 10,179 
Net loan charge-offs1,033 18,030 19,063 
Balance December 31, 2022$103,293 $46,843 $150,136 
LIABILITY FOR UNFUNDED LENDING COMMITMENTS
Balance December 31, 2021$23,271 $933 $24,204 
Provision for credit losses on unfunded lending commitments8,472 444 8,916 
Balance December 31, 2022$31,743 $1,377 $33,120 
ALLOWANCE FOR CREDIT LOSSES ON LOANS AND LIABILITY FOR UNFUNDED LENDING COMMITMENTS$135,036 $48,220 $183,256 
ALLOWANCE FOR CREDIT LOSSES ON LOANS
Balance at December 31, 2020121,549 99,285 220,834 
Provision for credit losses on loans(28,594)(23,629)(52,223)
Deductions:
   Loans charged off968 34,659 35,627 
   Less recoveries on loans5,789 11,271 17,060 
Net loan charge-offs (recoveries)(4,821)23,388 18,567 
Balance December 31, 2021
$97,776 $52,268 $150,044 
LIABILITY FOR UNFUNDED LENDING COMMITMENTS
Balance at December 31, 202037,259 1,048 38,307 
Provision for credit losses on unfunded lending commitments(13,988)(115)(14,103)
Balance December 31, 2021
$23,271 $933 $24,204 
ALLOWANCE FOR CREDIT LOSSES ON LOANS AND UNFUNDED LENDING COMMITMENTS$121,047 $53,201 $174,248 
Aging Information On Past Due And Nonaccrual Loans The following table provides aging information on the Company’s past due and accruing loans, in addition to the balances of loans on non-accrual status, at December 31, 2022 and 2021.
(In thousands)
Current or Less Than 30 Days Past Due30 – 89 Days Past Due90 Days Past Due and Still AccruingNon-accrualTotal
December 31, 2022
Commercial:
Business
$5,652,710 $1,759 $505 $6,751 $5,661,725 
Real estate – construction and land
1,361,095 — — — 1,361,095 
Real estate – business
3,406,207 585 — 189 3,406,981 
Personal Banking:
Real estate – personal
2,895,742 14,289 6,681 1,366 2,918,078 
Consumer
2,031,827 25,089 2,172 — 2,059,088 
Revolving home equity
295,303 1,201 703 — 297,207 
Consumer credit card
572,213 6,238 5,549 — 584,000 
Overdrafts
14,090 647220 — 14,957 
Total
$16,229,187 $49,808 $15,830 $8,306 $16,303,131 
December 31, 2021
Commercial:
Business
$5,292,125 $3,621 $477 $7,312 $5,303,535 
Real estate – construction and land
1,117,434 832 — — 1,118,266 
Real estate – business
3,058,566 57 — 214 3,058,837 
Personal Banking:
Real estate – personal
2,796,662 4,125 2,983 1,631 2,805,401 
Consumer
2,005,556 24,458 2,211 — 2,032,225 
Revolving home equity
274,372 772 801 — 275,945 
Consumer credit card
565,335 4,821 5,254 — 575,410 
Overdrafts
6,425 315— — 6,740 
Total
$15,116,475 $39,001 $11,726 $9,157 $15,176,359 
Risk Category of Loans in Commercial Portfolio
The risk category of loans in the Commercial portfolio as of December 31, 2022 and 2021 are as follows:

Term Loans Amortized Cost Basis by Origination Year
(In thousands)20222021202020192018PriorRevolving Loans Amortized Cost BasisTotal
December 31, 2022
Business
    Risk Rating:
       Pass$1,456,476 $782,409 $464,201 $360,844 $180,375 $219,053 $2,146,380 $5,609,738 
       Special mention3,113 2,548 7,757 1,063 67 — 1,319 15,867 
       Substandard5,752 10,004 685 37 810 10,342 1,739 29,369 
       Non-accrual195 1,987 — 1 792 3,776 — 6,751 
   Total Business:$1,465,536 $796,948 $472,643 $361,945 $182,044 $233,171 $2,149,438 $5,661,725 
Real estate-construction
    Risk Rating:
       Pass$538,022 $596,465 $129,632 $27,331 $1,305 $2,029 $18,559 $1,313,343 
       Special mention352 — — — — — — 352 
       Substandard— 19,494 — — 14,766 13,140 — 47,400 
    Total Real estate-construction:$538,374 $615,959 $129,632 $27,331 $16,071 $15,169 $18,559 $1,361,095 
Real estate- business
    Risk Rating:
       Pass$1,085,379 $616,516 $555,648 $424,641 $163,628 $271,579 $90,799 $3,208,190 
       Special mention4,608 — 618 9,737 976 279 — 16,218 
       Substandard2,795 30,944 61,141 10,490 30,782 46,232 — 182,384 
       Non-accrual14 45 — — 124 6 — 189 
   Total Real-estate business:$1,092,796 $647,505 $617,407 $444,868 $195,510 $318,096 $90,799 $3,406,981 
Commercial loans
    Risk Rating:
       Pass$3,079,877 $1,995,390 $1,149,481 $812,816 $345,308 $492,661 $2,255,738 $10,131,271 
       Special mention8,073 2,548 8,375 10,800 1,043 279 1,319 32,437 
       Substandard8,547 60,442 61,826 10,527 46,358 69,714 1,739 259,153 
       Non-accrual209 2,032 — 1 916 3,782 — 6,940 
   Total Commercial loans:$3,096,706 $2,060,412 $1,219,682 $834,144 $393,625 $566,436 $2,258,796 $10,429,801 
Term Loans Amortized Cost Basis by Origination Year
(In thousands)20212020201920182017PriorRevolving Loans Amortized Cost BasisTotal
December 31, 2021
Business
    Risk Rating:
       Pass$1,473,869 $704,157 $554,759 $248,739 $159,238 $270,454 $1,795,073 $5,206,289 
       Special mention1,785 126 17,576 12,050 1,490 3,232 16,545 52,804 
       Substandard836 1,191 8,855 4,936 1 10,775 10,536 37,130 
       Non-accrual430 — 1 1,549 — 5,332 — 7,312 
   Total Business:$1,476,920 $705,474 $581,191 $267,274 $160,729 $289,793 $1,822,154 $5,303,535 
Real estate-construction
    Risk Rating:
       Pass$598,734 $346,507 $66,985 $2,110 $2,655 $2,252 $13,230 $1,032,473 
       Special mention44,649 — — 985 — — — 45,634 
       Substandard485 11,620 — 14,896 13,158 — — 40,159 
    Total Real estate-construction:$643,868 $358,127 $66,985 $17,991 $15,813 $2,252 $13,230 $1,118,266 
Real estate- business
    Risk Rating:
       Pass$775,561 $712,173 $551,697 $230,138 $170,888 $254,489 $76,641 $2,771,587 
       Special mention4,011 30,322 10,500 37,576 2,068 2,103 1 86,581 
       Substandard17,079 62,939 12,930 2,326 58,934 45,265 982 200,455 
       Non-accrual— — — 189 — 25 — 214 
   Total Real-estate business:$796,651 $805,434 $575,127 $270,229 $231,890 $301,882 $77,624 $3,058,837 
Commercial loans
    Risk Rating:
       Pass$2,848,164 $1,762,837 $1,173,441 $480,987 $332,781 $527,195 $1,884,944 $9,010,349 
       Special mention50,445 30,448 28,076 50,611 3,558 5,335 16,546 185,019 
       Substandard18,400 75,750 21,785 22,158 72,093 56,040 11,518 277,744 
       Non-accrual430 — 1 1,738 — 5,357 — 7,526 
   Total Commercial loans:$2,917,439 $1,869,035 $1,223,303 $555,494 $408,432 $593,927 $1,913,008 $9,480,638 
Credit Quality of Personal Banking Loan Portfolio
The credit quality of Personal Banking loans is monitored primarily on the basis of aging/delinquency, and this information is provided as of December 31, 2022 and 2021 below:

Term Loans Amortized Cost Basis by Origination Year
(In thousands)20222021202020192018PriorRevolving Loans Amortized Cost BasisTotal
December 31, 2022
Real estate-personal
       Current to 90 days past due$535,283 $589,658 $783,651 $290,580 $132,305 $568,380 $10,174 $2,910,031 
       Over 90 days past due514 967 1,338 81 1,388 2,393 — 6,681 
       Non-accrual— — 52 169 102 1,043 — 1,366 
   Total Real estate-personal:$535,797 $590,625 $785,041 $290,830 $133,795 $571,816 $10,174 $2,918,078 
Consumer
       Current to 90 days past due$536,429 $378,118 $205,849 $106,733 $36,096 $62,255 $731,436 $2,056,916 
       Over 90 days past due326 251 203 58 267 228 839 2,172 
    Total Consumer:$536,755 $378,369 $206,052 $106,791 $36,363 $62,483 $732,275 $2,059,088 
Revolving home equity
       Current to 90 days past due$— $— $— $— $— $— $296,504 $296,504 
       Over 90 days past due— — — — — — 703 703 
   Total Revolving home equity:$— $— $— $— $— $— $297,207 $297,207 
Consumer credit card
       Current to 90 days past due$— $— $— $— $— $— $578,451 $578,451 
       Over 90 days past due— — — — — — 5,549 5,549 
   Total Consumer credit card:$— $— $— $— $— $— $584,000 $584,000 
Overdrafts
       Current to 90 days past due$14,737 $— $— $— $— $— $— $14,737 
       Over 90 days past due220 — — — — — — 220 
    Total Overdrafts:$14,957 $— $— $— $— $— $— $14,957 
Personal banking loans
       Current to 90 days past due$1,086,449 $967,776 $989,500 $397,313 $168,401 $630,635 $1,616,565 $5,856,639 
       Over 90 days past due1,060 1,218 1,541 139 1,655 2,621 7,091 15,325 
       Non-accrual— — 52 169 102 1,043 — 1,366 
   Total Personal banking loans:$1,087,509 $968,994 $991,093 $397,621 $170,158 $634,299 $1,623,656 $5,873,330 
Term Loans Amortized Cost Basis by Origination Year
(In thousands)20212020201920182017PriorRevolving Loans Amortized Cost BasisTotal
December 31, 2021
Real estate-personal
       Current to 90 days past due$690,058 $888,631 $354,292 $157,485 $149,391 $551,460 $9,470 $2,800,787 
       Over 90 days past due133 1,150 298 124 97 1,181 — 2,983 
       Non-accrual115 — 251 109 — 1,156 — 1,631 
   Total Real estate-personal:$690,306 $889,781 $354,841 $157,718 $149,488 $553,797 $9,470 $2,805,401 
Consumer
       Current to 90 days past due$571,455 $348,774 $192,076 $79,887 $47,401 $78,088 $712,333 $2,030,014 
       Over 90 days past due283 335 257 250 74 351 661 2,211 
    Total Consumer:$571,738 $349,109 $192,333 $80,137 $47,475 $78,439 $712,994 $2,032,225 
Revolving home equity
       Current to 90 days past due$— $— $— $— $— $— $275,144 $275,144 
       Over 90 days past due— — — — — — 801 801 
   Total Revolving home equity:$— $— $— $— $— $— $275,945 $275,945 
Consumer credit card
       Current to 90 days past due$— $— $— $— $— $— $570,156 $570,156 
       Over 90 days past due— — — — — — 5,254 5,254 
   Total Consumer credit card:$— $— $— $— $— $— $575,410 $575,410 
Overdrafts
       Current to 90 days past due$6,740 $— $— $— $— $— $— $6,740 
    Total Overdrafts:$6,740 $— $— $— $— $— $— $6,740 
Personal banking loans
       Current to 90 days past due$1,268,253 $1,237,405 $546,368 $237,372 $196,792 $629,548 $1,567,103 $5,682,841 
       Over 90 days past due416 1,485 555 374 171 1,532 6,716 11,249 
       Non-accrual115 — 251 109 — 1,156 — 1,631 
   Total Personal banking loans:$1,268,784 $1,238,890 $547,174 $237,855 $196,963 $632,236 $1,573,819 $5,695,721 
Amortized Cost Basis of Collateral-Dependent Loans The following table presents the amortized cost basis of collateral-dependent loans as of December 31, 2022 and 2021.
December 31, 2022December 31, 2021
(In thousands)Business AssetsOil & Gas AssetsTotalBusiness AssetsOil & Gas AssetsTotal
Commercial:
  Business$2,778 $1,824 $4,602 $1,604 $2,459 $4,063 
Total$2,778 $1,824 $4,602 $1,604 $2,459 $4,063 
Summary Of Loans In The Personal Banking Portfolio Percentage Of Balances Outstanding For the remainder of loans in the Personal Banking portfolio, the table below shows the percentage of balances outstanding at December 31, 2022 and 2021 by FICO score.
Personal Banking Loans
% of Loan Category


Real Estate - PersonalConsumerRevolving Home EquityConsumer Credit Card
December 31, 2022
FICO score:
Under 600
1.4 %2.2 %1.5 %3.4 %
600 – 659
2.2 4.2 2.8 11.4 
660 – 719
8.1 14.5 9.7 30.8 
720 – 779
23.7 26.7 21.4 27.1 
780 and over
64.6 52.4 64.6 27.3 
Total
100.0 %100.0 %100.0 %100.0 %
December 31, 2021
FICO score:
Under 600
1.0 %1.9 %0.9 %3.4 %
600 – 659
2.4 3.9 2.6 11.3 
660 – 719
7.4 13.8 9.4 29.9 
720 – 779
25.2 25.3 20.4 28.2 
780 and over
64.0 55.1 66.7 27.2 
Total
100.0 %100.0 %100.0 %100.0 %
Additional Information about Troubled Debt Restructurings
December 31
(In thousands)20222021
Accruing loans:
Commercial
$184,388 $46,867 
Assistance programs
5,156 6,146 
Other consumer
4,049 4,787 
Non-accrual loans
5,078 7,087 
Total troubled debt restructurings
$198,671 $64,887 
Outstanding Balance Of Loans Classified As Troubled Debt Restructurings
The table below shows the balance of troubled debt restructurings by loan classification at December 31, 2022, in addition to the outstanding balances of these restructured loans which the Company considers to have been in default at any time during the past twelve months. For purposes of this disclosure, the Company considers "default" to mean 90 days or more past due as to interest or principal.

(In thousands)December 31, 2022Balance 90 days past due at any time during previous 12 months
Commercial:
Business
$12,311 $— 
Real estate – construction and land
57,547 — 
Real estate – business
118,654 — 
Personal Banking:
Real estate – personal
2,809 419 
Consumer
2,250 268 
Revolving home equity
17 — 
Consumer credit card
5,083 452 
Total troubled debt restructurings
$198,671 $1,139