Allowance for Loan and Lease Losses (Tables)

6 Months Ended

Jun. 30, 2017

Allowance for Loan and Lease Losses

Schedule of components of allowance for loan and lease losses

	Three Months Ended June 30, 2017
	Commercial Lending
	Commercial		Commercial
	and		Real				Lease
(dollars in thousands)	Industrial		Estate		Construction		Financing		Residential		Consumer		Unallocated		Total
Allowance for loan and lease losses:
Balance at beginning of period	$	31,557	$	19,932	$	4,532	$	813	$	43,541	$	27,456	$	8,016	$	135,847
Charge-offs		(75)		—		—		(146)		—		(5,251)		—		(5,472)
Recoveries		129		55		—		—		150		1,774		—		2,108
Increase (decrease) in Provision		1,730		24		939		190		683		3,924		(3,090)		4,400
Balance at end of period	$	33,341	$	20,011	$	5,471	$	857	$	44,374	$	27,903	$	4,926	$	136,883

	Six Months Ended June 30, 2017
	Commercial Lending
	Commercial		Commercial
	and		Real				Lease
(dollars in thousands)	Industrial		Estate		Construction		Financing		Residential		Consumer		Unallocated		Total
Allowance for loan and lease losses:
Balance at beginning of period	$	33,129	$	18,448	$	4,513	$	847	$	43,436	$	28,388	$	6,733	$	135,494
Charge-offs		(930)		—		—		(146)		(22)		(10,823)		—		(11,921)
Recoveries		243		132		—		—		471		3,564		—		4,410
Increase (decrease) in Provision		899		1,431		958		156		489		6,774		(1,807)		8,900
Balance at end of period	$	33,341	$	20,011	$	5,471	$	857	$	44,374	$	27,903	$	4,926	$	136,883

	Three Months Ended June 30, 2016
	Commercial Lending
	Commercial		Commercial
	and		Real				Lease
(dollars in thousands)	Industrial		Estate		Construction		Financing		Residential		Consumer		Unallocated		Total
Allowance for loan and lease losses:
Balance at beginning of period	$	35,027	$	18,504	$	4,514	$	807	$	45,638	$	27,923	$	4,741	$	137,154
Charge-offs		(52)		—		—		—		(456)		(4,295)		—		(4,803)
Recoveries		19		47		—		1		460		1,582		—		2,109
Increase (decrease) in Provision		798		(291)		122		(28)		810		3,176		(2,687)		1,900
Balance at end of period	$	35,792	$	18,260	$	4,636	$	780	$	46,452	$	28,386	$	2,054	$	136,360

	Six Months Ended June 30, 2016
	Commercial Lending
	Commercial		Commercial
	and		Real				Lease
(dollars in thousands)	Industrial		Estate		Construction		Financing		Residential		Consumer		Unallocated		Total
Allowance for loan and lease losses:
Balance at beginning of period	$	34,025	$	18,489	$	3,793	$	888	$	46,099	$	28,385	$	3,805	$	135,484
Charge-offs		(138)		—		—		—		(528)		(8,501)		—		(9,167)
Recoveries		222		3,246		—		1		766		3,208		—		7,443
Increase (decrease) in Provision		1,683		(3,475)		843		(109)		115		5,294		(1,751)		2,600
Balance at end of period	$	35,792	$	18,260	$	4,636	$	780	$	46,452	$	28,386	$	2,054	$	136,360

Schedule of disaggregation of Allowance and recorded investment in loans by impairment methodology

	June 30, 2017
	Commercial Lending
	Commercial		Commercial
	and		Real				Lease
(dollars in thousands)	Industrial		Estate		Construction		Financing		Residential		Consumer		Unallocated		Total
Allowance for loan and lease losses:
Individually evaluated for impairment	$	5	$	7	$	—	$	—	$	653	$	—	$	—	$	665
Collectively evaluated for impairment		33,336		20,004		5,471		857		43,721		27,903		4,926		136,218
Balance at end of period	$	33,341	$	20,011	$	5,471	$	857	$	44,374	$	27,903	$	4,926	$	136,883
Loans and leases:
Individually evaluated for impairment	$	19,285	$	9,263	$	—	$	—	$	17,278	$	—	$	—	$	45,826
Collectively evaluated for impairment		3,311,807		2,536,216		555,794		180,676		3,904,603		1,527,470		—		12,016,566
Balance at end of period	$	3,331,092	$	2,545,479	$	555,794	$	180,676	$	3,921,881	$	1,527,470	$	—	$	12,062,392

	December 31, 2016
	Commercial Lending
	Commercial		Commercial
	and		Real				Lease
(dollars in thousands)	Industrial		Estate		Construction		Financing		Residential		Consumer		Unallocated		Total
Allowance for loan and lease losses:
Individually evaluated for impairment	$	380	$	7	$	—	$	—	$	705	$	—	$	—	$	1,092
Collectively evaluated for impairment		32,749		18,441		4,513		847		42,731		28,388		6,733		134,402
Balance at end of period	$	33,129	$	18,448	$	4,513	$	847	$	43,436	$	28,388	$	6,733	$	135,494
Loans and leases:
Individually evaluated for impairment	$	27,572	$	12,545	$	—	$	153	$	19,158	$	—	$	—	$	59,428
Collectively evaluated for impairment		3,212,028		2,330,950		450,012		179,887		3,777,301		1,510,772		—		11,460,950
Balance at end of period	$	3,239,600	$	2,343,495	$	450,012	$	180,040	$	3,796,459	$	1,510,772	$	—	$	11,520,378

Schedule of credit risk profiles by internally assigned grade for loans and leases

	June 30, 2017
	Commercial		Commercial
	and		Real				Lease
(dollars in thousands)	Industrial		Estate		Construction		Financing		Total
Grade:
Pass	$	3,227,317	$	2,501,783	$	548,893	$	179,906	$	6,457,899
Special mention		42,178		22,351		5,821		589		70,939
Substandard		60,230		21,345		1,080		181		82,836
Doubtful		1,367		—		—		—		1,367
Total	$	3,331,092	$	2,545,479	$	555,794	$	180,676	$	6,613,041

	December 31, 2016
	Commercial		Commercial
	and		Real				Lease
(dollars in thousands)	Industrial		Estate		Construction		Financing		Total
Grade:
Pass	$	3,166,304	$	2,298,839	$	445,149	$	179,345	$	6,089,637
Special mention		41,719		23,859		3,789		368		69,735
Substandard		29,811		20,797		1,074		174		51,856
Doubtful		1,766		—		—		153		1,919
Total	$	3,239,600	$	2,343,495	$	450,012	$	180,040	$	6,213,147

Schedule of credit risk profiles based on payment activity for loans and leases

	June 30, 2017
(dollars in thousands)	Residential		Consumer		Consumer - Auto		Credit Cards		Total
Performing	$	3,907,274	$	230,121	$	951,329	$	326,581	$	5,415,305
Non-performing and delinquent		14,607		3,197		12,848		3,394		34,046
Total	$	3,921,881	$	233,318	$	964,177	$	329,975	$	5,449,351

	December 31, 2016
(dollars in thousands)	Residential		Consumer		Consumer - Auto		Credit Cards		Total
Performing	$	3,778,070	$	240,185	$	906,829	$	340,801	$	5,265,885
Non-performing and delinquent		18,389		3,327		15,927		3,703		41,346
Total	$	3,796,459	$	243,512	$	922,756	$	344,504	$	5,307,231

Schedule of aging analyses of past due loans and leases

	June 30, 2017
	Accruing Loans and Leases
					Greater								Total Non
					Than or						Total		Accruing
	30-59		60-89		Equal to		Total				Accruing		Loans
	Days		Days		90 Days		Past				Loans and		and		Total
(dollars in thousands)	Past Due		Past Due		Past Due		Due		Current		Leases		Leases		Outstanding
Commercial and industrial	$	791	$	185	$	1,275	$	2,251	$	3,326,686	$	3,328,937	$	2,155	$	3,331,092
Commercial real estate		3,190		—		—		3,190		2,542,289		2,545,479		—		2,545,479
Construction		86		84		350		520		555,274		555,794		—		555,794
Lease financing		—		—		—		—		180,676		180,676		—		180,676
Residential		6,334		1,161		1,543		9,038		3,907,274		3,916,312		5,569		3,921,881
Consumer		14,397		3,169		1,873		19,439		1,508,031		1,527,470		—		1,527,470
Total	$	24,798	$	4,599	$	5,041	$	34,438	$	12,020,230	$	12,054,668	$	7,724	$	12,062,392

	December 31, 2016
	Accruing Loans and Leases
					Greater								Total Non
					Than or						Total		Accruing
	30-59		60-89		Equal to		Total				Accruing		Loans
	Days		Days		90 Days		Past				Loans and		and		Total
(dollars in thousands)	Past Due		Past Due		Past Due		Due		Current		Leases		Leases		Outstanding
Commercial and industrial	$	720	$	163	$	449	$	1,332	$	3,235,538	$	3,236,870	$	2,730	$	3,239,600
Commercial real estate		475		—		—		475		2,343,020		2,343,495		—		2,343,495
Construction		—		—		—		—		450,012		450,012		—		450,012
Lease financing		—		—		83		83		179,804		179,887		153		180,040
Residential		9,907		1,069		866		11,842		3,778,070		3,789,912		6,547		3,796,459
Consumer		17,626		3,460		1,870		22,956		1,487,816		1,510,772		—		1,510,772
Total	$	28,728	$	4,692	$	3,268	$	36,688	$	11,474,260	$	11,510,948	$	9,430	$	11,520,378

Schedule of total carrying amounts and total unpaid principal balances of impaired loans and leases

	June 30, 2017
			Unpaid
	Recorded		Principal		Related
(dollars in thousands)	Investment		Balance		Allowance
Impaired loans with no related allowance recorded:
Commercial and industrial	$	19,129	$	19,861	$	—
Commercial real estate		8,348		8,348		—
Residential		8,300		8,908		—
Total	$	35,777	$	37,117	$	—
Impaired loans with a related allowance recorded:
Commercial and industrial	$	156	$	156	$	5
Commercial real estate		915		915		7
Residential		8,978		9,259		653
Total	$	10,049	$	10,330	$	665
Total impaired loans:
Commercial and industrial	$	19,285	$	20,017	$	5
Commercial real estate		9,263		9,263		7
Residential		17,278		18,167		653
Total	$	45,826	$	47,447	$	665

	December 31, 2016
			Unpaid
	Recorded		Principal		Related
(dollars in thousands)	Investment		Balance		Allowance
Impaired loans with no related allowance recorded:
Commercial and industrial	$	22,404	$	22,608	$	—
Commercial real estate		11,598		11,598		—
Lease financing		153		153		—
Residential		9,608		10,628		—
Total	$	43,763	$	44,987	$	—
Impaired loans with a related allowance recorded:
Commercial and industrial	$	5,168	$	5,624	$	380
Commercial real estate		947		947		7
Residential		9,550		9,831		705
Total	$	15,665	$	16,402	$	1,092
Total impaired loans:
Commercial and industrial	$	27,572	$	28,232	$	380
Commercial real estate		12,545		12,545		7
Lease financing		153		153		—
Residential		19,158		20,459		705
Total	$	59,428	$	61,389	$	1,092

Schedule of average balances, and of interest income recognized from, impaired loans

	Three Months Ended				Six Months Ended
	June 30, 2017				June 30, 2017
	Average		Interest		Average		Interest
	Recorded		Income		Recorded		Income
(dollars in thousands)	Investment		Recognized		Investment		Recognized
Impaired loans with no related allowance recorded:
Commercial and industrial	$	20,068	$	209	$	20,847	$	438
Commercial real estate		9,866		117		10,443		246
Lease financing		77		—		102		—
Residential		8,187		144		8,661		280
Total	$	38,198	$	470	$	40,053	$	964
Impaired loans with a related allowance recorded:
Commercial and industrial	$	3,697	$	3	$	4,187	$	50
Commercial real estate		924		11		932		22
Residential		9,140		95		9,276		189
Total	$	13,761	$	109	$	14,395	$	261
Total impaired loans:
Commercial and industrial	$	23,765	$	212	$	25,034	$	488
Commercial real estate		10,790		128		11,375		268
Lease financing		77		—		102		—
Residential		17,327		239		17,937		469
Total	$	51,959	$	579	$	54,448	$	1,225

	Three Months Ended				Six Months Ended
	June 30, 2016				June 30, 2016
	Average		Interest		Average		Interest
	Recorded		Income		Recorded		Income
(dollars in thousands)	Investment		Recognized		Investment		Recognized
Impaired loans with no related allowance recorded:
Commercial and industrial	$	30,443	$	338	$	25,577	$	651
Commercial real estate		8,397		140		7,527		284
Construction		283		—		188		8
Lease financing		176		—		177		—
Residential		13,626		104		14,166		235
Total	$	52,925	$	582	$	47,635	$	1,178
Impaired loans with a related allowance recorded:
Commercial and industrial	$	892	$	—	$	595	$	—
Residential		8,857		85		8,267		176
Total	$	9,749	$	85	$	8,862	$	176
Total impaired loans:
Commercial and industrial	$	31,335	$	338	$	26,172	$	651
Commercial real estate		8,397		140		7,527		284
Construction		283		—		188		8
Lease financing		176		—		177		—
Residential		22,483		189		22,433		411
Total	$	62,674	$	667	$	56,497	$	1,354

Schedule of information related to loans modified in a TDR

	Three Months Ended					Six Months Ended
	June 30, 2017					June 30, 2017
	Number of	Recorded		Related		Number of	Recorded		Related
(dollars in thousands)	Contracts	Investment(1)		Allowance		Contracts	Investment(1)		Allowance
Commercial and industrial	—	$	—	$	—	1	$	1,150	$	—
Residential	1		310		10	2		663		21
Total	1	$	310	$	10	3	$	1,813	$	21

	Three Months Ended					Six Months Ended
	June 30, 2016					June 30, 2016
	Number of	Recorded		Related		Number of	Recorded		Related
(dollars in thousands)	Contracts	Investment(1)		Allowance		Contracts	Investment(1)		Allowance
Commercial and industrial	2	$	7,857	$	—	4	$	15,953	$	—
Commercial real estate	2		5,538		—	2		5,538		—
Residential	2		1,195		—	8		3,589		63
Total	6	$	14,590	$	—	14	$	25,080	$	63

⁽¹⁾ The recorded investment balances reflect all partial paydowns and charge-offs since the modification date and do not include TDRs that have been fully paid off, charged off, or foreclosed upon by the end of the period.

Schedule of TDRs that defaulted in period within 12 months of their permanent modification date

	Three Months Ended			Six Months Ended			Three Months Ended			Six Months Ended
	June 30, 2017			June 30, 2017			June 30, 2016			June 30, 2016
	Number of	Recorded		Number of	Recorded		Number of	Recorded		Number of	Recorded
(dollars inthousands)	Contracts	Investment(1)		Contracts	Investment(1)		Contracts	Investment(1)		Contracts	Investment(1)
Commercial and industrial (2)	1	$	2,496	1	$	2,496	—	$	—	1	$	2,496
Commercial real estate (3)	1		1,393	1		1,393	—		—	—		—
Residential (4)	—		—	1		510	—		—	—		—
Total	2	$	3,889	3	$	4,399	—	$	—	1	$	2,496

⁽¹⁾ The recorded investment balances reflect all partial paydowns and charge-offs since the modification date and do not include TDRs that have been fully paid off, charged off, or foreclosed upon by the end of the period.

⁽²⁾ For the three months ended June 30, 2017 and six months ended June 30, 2017 and 2016, the maturity date for the commercial and industrial loan that subsequently defaulted was extended.

⁽³⁾ For the three and six months ended June 30, 2017, the commercial real estate loan that subsequently defaulted was extended.

⁽⁴⁾ For the six months ended June 30, 2017, the residential real estate loan that subsequently defaulted was modified for interest-only payments.