Allowance for Loan and Lease Losses (Tables)

9 Months Ended

Sep. 30, 2017

Allowance for Loan and Lease Losses

Schedule of components of allowance for loan and lease losses

	Three Months Ended September 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	$	33,341	$	20,011	$	5,471	$	857	$	44,374	$	27,903	$	4,926	$	136,883
Charge-offs		(408)		—		—		(1)		(293)		(6,263)		—		(6,965)
Recoveries		582		336		—		—		139		1,852		—		2,909
Increase (decrease) in Provision		(1,677)		234		353		(36)		657		5,107		(138)		4,500
Balance at end of period	$	31,838	$	20,581	$	5,824	$	820	$	44,877	$	28,599	$	4,788	$	137,327

	Nine Months Ended September 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		(1,338)		—		—		(147)		(315)		(17,086)		—		(18,886)
Recoveries		825		468		—		—		610		5,416		—		7,319
Increase (decrease) in Provision		(778)		1,665		1,311		120		1,146		11,881		(1,945)		13,400
Balance at end of period	$	31,838	$	20,581	$	5,824	$	820	$	44,877	$	28,599	$	4,788	$	137,327

	Three Months Ended September 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	$	35,792	$	18,260	$	4,636	$	780	$	46,452	$	28,386	$	2,054	$	136,360
Charge-offs		(210)		—		—		—		(268)		(4,878)		—		(5,356)
Recoveries		6		42		—		—		350		1,523		—		1,921
Increase (decrease) in Provision		(1,428)		221		596		(55)		(492)		3,183		75		2,100
Balance at end of period	$	34,160	$	18,523	$	5,232	$	725	$	46,042	$	28,214	$	2,129	$	135,025

	Nine Months Ended September 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		(348)		—		—		—		(796)		(13,379)		—		(14,523)
Recoveries		228		3,288		—		1		1,116		4,731		—		9,364
Increase (decrease) in Provision		255		(3,254)		1,439		(164)		(377)		8,477		(1,676)		4,700
Balance at end of period	$	34,160	$	18,523	$	5,232	$	725	$	46,042	$	28,214	$	2,129	$	135,025

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

	September 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	$	4	$	7	$	—	$	—	$	631	$	—	$	—	$	642
Collectively evaluated for impairment		31,834		20,574		5,824		820		44,246		28,599		4,788		136,685
Balance at end of period	$	31,838	$	20,581	$	5,824	$	820	$	44,877	$	28,599	$	4,788	$	137,327
Loans and leases:
Individually evaluated for impairment	$	19,223	$	9,061	$	—	$	—	$	17,053	$	—	$	—	$	45,337
Collectively evaluated for impairment		3,171,014		2,616,627		598,763		171,373		3,984,425		1,562,172		—		12,104,374
Balance at end of period	$	3,190,237	$	2,625,688	$	598,763	$	171,373	$	4,001,478	$	1,562,172	$	—	$	12,149,711

	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

	September 30, 2017
	Commercial		Commercial
	and		Real				Lease
(dollars in thousands)	Industrial		Estate		Construction		Financing		Total
Grade:
Pass	$	3,083,654	$	2,581,682	$	591,824	$	170,673	$	6,427,833
Special mention		46,093		23,040		6,292		553		75,978
Substandard		59,123		20,966		647		147		80,883
Doubtful		1,367		—		—		—		1,367
Total	$	3,190,237	$	2,625,688	$	598,763	$	171,373	$	6,586,061

	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

	September 30, 2017
(dollars in thousands)	Residential		Consumer		Consumer - Auto		Credit Cards		Total
Performing	$	3,990,063	$	232,541	$	984,114	$	321,722	$	5,528,440
Non-performing and delinquent		11,415		3,763		16,580		3,452		35,210
Total	$	4,001,478	$	236,304	$	1,000,694	$	325,174	$	5,563,650

	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

	September 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	$	179	$	568	$	1,751	$	2,498	$	3,185,427	$	3,187,925	$	2,312	$	3,190,237
Commercial real estate		—		84		3,247		3,331		2,622,357		2,625,688		—		2,625,688
Construction		—		259		—		259		598,504		598,763		—		598,763
Lease financing		—		—		—		—		171,373		171,373		—		171,373
Residential		4,588		210		1,055		5,853		3,990,063		3,995,916		5,562		4,001,478
Consumer		18,421		3,480		1,894		23,795		1,538,377		1,562,172		—		1,562,172
Total	$	23,188	$	4,601	$	7,947	$	35,736	$	12,106,101	$	12,141,837	$	7,874	$	12,149,711

	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

	September 30, 2017
			Unpaid
	Recorded		Principal		Related
(dollars in thousands)	Investment		Balance		Allowance
Impaired loans with no related allowance recorded:
Commercial and industrial	$	19,071	$	19,858	$	—
Commercial real estate		8,157		8,157		—
Residential		8,281		8,864		—
Total	$	35,509	$	36,879	$	—
Impaired loans with a related allowance recorded:
Commercial and industrial	$	152	$	152	$	4
Commercial real estate		904		904		7
Residential		8,772		9,053		631
Total	$	9,828	$	10,109	$	642
Total impaired loans:
Commercial and industrial	$	19,223	$	20,010	$	4
Commercial real estate		9,061		9,061		7
Residential		17,053		17,917		631
Total	$	45,337	$	46,988	$	642

	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				Nine Months Ended
	September 30, 2017				September 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	$	19,100	$	204	$	20,402	$	642
Commercial real estate		8,252		92		9,871		338
Lease financing		—		—		77		—
Residential		8,291		139		8,566		419
Total	$	35,643	$	435	$	38,916	$	1,399
Impaired loans with a related allowance recorded:
Commercial and industrial	$	154	$	2	$	3,179	$	52
Commercial real estate		910		10		925		32
Residential		8,875		96		9,150		285
Total	$	9,939	$	108	$	13,254	$	369
Total impaired loans:
Commercial and industrial	$	19,254	$	206	$	23,581	$	694
Commercial real estate		9,162		102		10,796		370
Lease financing		—		—		77		—
Residential		17,166		235		17,716		704
Total	$	45,582	$	543	$	52,170	$	1,768

	Three Months Ended				Nine Months Ended
	September 30, 2016				September 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	$	29,018	$	335	$	30,044	$	1,207
Commercial real estate		11,752		176		9,713		556
Construction		—		—		188		—
Lease financing		168		3		171		4
Residential		11,312		192		12,197		453
Total	$	52,250	$	706	$	52,313	$	2,220
Impaired loans with a related allowance recorded:
Commercial and industrial	$	991	$	3	$	661	$	11
Commercial real estate		479		11		319		33
Residential		8,487		96		8,616		298
Total	$	9,957	$	110	$	9,596	$	342
Total impaired loans:
Commercial and industrial	$	30,009	$	338	$	30,705	$	1,218
Commercial real estate		12,231		187		10,032		589
Construction		—		—		188		—
Lease financing		168		3		171		4
Residential		19,799		288		20,813		751
Total	$	62,207	$	816	$	61,909	$	2,562

Schedule of information related to loans modified in a TDR

	Three Months Ended					Nine Months Ended
	September 30, 2017					September 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	$	1,120	$	—
Residential	—		—		—	2		661		21
Total	—	$	—	$	—	3	$	1,781	$	21

	Three Months Ended					Nine Months Ended
	September 30, 2016					September 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	$	98	$	4	6	$	16,015	$	4
Commercial real estate	4		5,044		7	6		10,450		7
Residential	3		577		7	10		3,709		53
Total	9	$	5,719	$	18	22	$	30,174	$	64

⁽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			Nine Months Ended			Three Months Ended			Nine Months Ended
	September 30, 2017			September 30, 2017			September 30, 2016			September 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	—	$	—	—	$	—
Commercial real estate (3)	—		—	1		1,393	—		—	—		—
Residential (4)	—		—	1		510	—		—	—		—
Total	—	$	—	3	$	4,399	—	$	—	—	$	—

⁽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 nine months ended September 30, 2017, the maturity date for the commercial and industrial loan that subsequently defaulted was extended.

⁽³⁾ For the nine months ended September 30, 2017, the commercial real estate loan that subsequently defaulted was extended.

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