Allowance for Loan and Lease Losses (Tables)

12 Months Ended

Dec. 31, 2017

Schedule of components of allowance for loan and lease losses


	Year Ended December 31, 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 year	$	33,129	$	18,448	$	4,513	$	847	$	43,436	$	28,388	$	6,733	$	135,494
Charge-offs		(1,519)		—		—		(147)		(408)		(23,851)		—		(25,925)
Recoveries		844		596		—		—		687		7,057		—		9,184
Increase (decrease) in Provision		1,552		(1,000)		2,304		(89)		(863)		19,655		(3,059)		18,500
Balance at end of year	$	34,006	$	18,044	$	6,817	$	611	$	42,852	$	31,249	$	3,674	$	137,253
Individually evaluated for impairment		4		6		—		—		484		—		—		494
Collectively evaluated for impairment		34,002		18,038		6,817		611		42,368		31,249		3,674		136,759
Loans and leases:
Individually evaluated for impairment	$	18,183	$	10,636	$	—	$	—	$	16,530	$	—	$	—	$	45,349
Collectively evaluated for impairment		3,117,083		2,656,961		632,911		165,066		4,073,523		1,586,476		—		12,232,020
Balance at end of year	$	3,135,266	$	2,667,597	$	632,911	$	165,066	$	4,090,053	$	1,586,476	$	—	$	12,277,369


	Year Ended 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:
Balance at beginning of year	$	34,025	$	18,489	$	3,793	$	888	$	46,099	$	28,385	$	3,805	$	135,484
Charge-offs		(348)		—		—		—		(799)		(18,791)		—		(19,938)
Recoveries		251		3,329		—		2		1,358		6,408		—		11,348
Increase (decrease) in Provision		(799)		(3,370)		720		(43)		(3,222)		12,386		2,928		8,600
Balance at end of year	$	33,129	$	18,448	$	4,513	$	847	$	43,436	$	28,388	$	6,733	$	135,494
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
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 year	$	3,239,600	$	2,343,495	$	450,012	$	180,040	$	3,796,459	$	1,510,772	$	—	$	11,520,378


	Year Ended December 31, 2015
	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 year	$	31,835	$	16,320	$	4,725	$	1,089	$	44,858	$	27,041	$	8,931	$	134,799
Charge-offs		(866)		—		—		—		(618)		(18,312)		—		(19,796)
Recoveries		940		1,115		—		3		2,198		6,325		—		10,581
Increase (decrease) in Provision		2,116		1,054		(932)		(204)		(339)		13,331		(5,126)		9,900
Balance at end of year	$	34,025	$	18,489	$	3,793	$	888	$	46,099	$	28,385	$	3,805	$	135,484
Individually evaluated for impairment		—		—		—		—		592		—		—		592
Collectively evaluated for impairment		34,025		18,489		3,793		888		45,507		28,385		3,805		134,892
Loans and leases:
Individually evaluated for impairment	$	15,845	$	5,787	$	—	$	181	$	22,334	$	—	$	—	$	44,147
Collectively evaluated for impairment		3,041,610		2,158,661		367,460		198,498		3,510,093		1,401,561		—		10,677,883
Balance at end of year	$	3,057,455	$	2,164,448	$	367,460	$	198,679	$	3,532,427	$	1,401,561	$	—	$	10,722,030

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


	December 31, 2017
	Commercial		Commercial
	and		Real				Lease
(dollars in thousands)	Industrial		Estate		Construction		Financing		Total
Grade:
Pass	$	3,035,121	$	2,619,494	$	628,112	$	162,849	$	6,445,576
Special mention		43,435		26,248		2,377		1,816		73,876
Substandard		54,996		21,855		2,422		401		79,674
Doubtful		1,714		—		—		—		1,714
Total	$	3,135,266	$	2,667,597	$	632,911	$	165,066	$	6,600,840


	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


	December 31, 2017
(dollars in thousands)	Residential		Consumer		Consumer - Auto		Credit Cards		Total
Performing	$	4,073,834	$	231,023	$	1,001,085	$	324,781	$	5,630,723
Non-performing and delinquent		16,219		3,335		22,612		3,640		45,806
Total	$	4,090,053	$	234,358	$	1,023,697	$	328,421	$	5,676,529


	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


	December 31, 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	$	156	$	—	$	220	$	376	$	3,131,958	$	3,132,334	$	2,932	$	3,135,266
Commercial real estate		—		1,099		1,400		2,499		2,663,312		2,665,811		1,786		2,667,597
Construction		—		2,001		—		2,001		630,910		632,911		—		632,911
Lease financing		—		—		—		—		165,066		165,066		—		165,066
Residential		8,463		1,289		1,360		11,112		4,073,834		4,084,946		5,107		4,090,053
Consumer		24,379		3,814		1,394		29,587		1,556,889		1,586,476		—		1,586,476
Total	$	32,998	$	8,203	$	4,374	$	45,575	$	12,221,969	$	12,267,544	$	9,825	$	12,277,369


	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


	December 31, 2017
			Unpaid
	Recorded		Principal		Related
(dollars in thousands)	Investment		Balance		Allowance
Impaired loans with no related allowance recorded:
Commercial and industrial	$	18,036	$	18,909	$	—
Commercial real estate		9,745		9,745		—
Residential		8,648		9,006		—
Total	$	36,429	$	37,660	$	—
Impaired loans with a related allowance recorded:
Commercial and industrial	$	147	$	147	$	4
Commercial real estate		891		891		6
Residential		7,882		8,162		484
Total	$	8,920	$	9,200	$	494
Total impaired loans:
Commercial and industrial	$	18,183	$	19,056	$	4
Commercial real estate		10,636		10,636		6
Residential		16,530		17,168		484
Total	$	45,349	$	46,860	$	494


	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


	Year Ended
	December 31, 2017
	Average		Interest
	Recorded		Income
(dollars in thousands)	Investment		Recognized
Impaired loans with no related allowance recorded:
Commercial and industrial	$	19,929	$	890
Commercial real estate		9,846		417
Lease financing		61		—
Residential		8,582		567
Total	$	38,418	$	1,874
Impaired loans with a related allowance recorded:
Commercial and industrial	$	2,572	$	10
Commercial real estate		918		42
Residential		8,897		344
Total	$	12,387	$	396
Total impaired loans:
Commercial and industrial	$	22,501	$	900
Commercial real estate		10,764		459
Lease financing		61		—
Residential		17,479		911
Total	$	50,805	$	2,270


	Year Ended
	December 31, 2016
	Average		Interest
	Recorded		Income
(dollars in thousands)	Investment		Recognized
Impaired loans with no related allowance recorded:
Commercial and industrial	$	25,676	$	925
Commercial real estate		9,304		704
Construction		113		—
Lease financing		170		5
Residential		12,289		756
Total	$	47,552	$	2,390
Impaired loans with a related allowance recorded:
Commercial and industrial	$	1,430	$	643
Commercial real estate		381		46
Residential		8,497		415
Total	$	10,308	$	1,104
Total impaired loans:
Commercial and industrial	$	27,106	$	1,568
Commercial real estate		9,685		750
Construction		113		—
Lease financing		170		5
Residential		20,786		1,171
Total	$	57,860	$	3,494


	Year Ended
	December 31, 2015
	Average		Interest
	Recorded		Income
(dollars in thousands)	Investment		Recognized
Impaired loans with no related allowance recorded:
Commercial and industrial	$	16,666	$	317
Commercial real estate		6,516		444
Lease financing		186		—
Residential		18,518		292
Total	$	41,886	$	1,053
Impaired loans with a related allowance recorded:
Residential	$	6,889	$	258
Total	$	6,889	$	258
Total impaired loans:
Commercial and industrial	$	16,666	$	317
Commercial real estate		6,516		444
Lease financing		186		—
Residential		25,407		550
Total	$	48,775	$	1,311

Schedule of information related to loans modified in a TDR


	Year Ended December 31, 2017
	Number of	Recorded		Related
(dollars in thousands)	Contracts	Investment(1)		Allowance
Commercial and industrial	1	$	1,075	$	—
Residential	2		659		23
Total	3	$	1,734	$	23


	Year Ended December 31, 2016
	Number of	Recorded		Related
(dollars in thousands)	Contracts	Investment(1)		Allowance
Commercial and industrial	7	$	14,933	$	377
Commercial real estate	6		9,709		7
Residential	12		5,159		234
Total	25	$	29,801	$	618


	Year Ended December 31, 2015
	Number of	Recorded		Related
(dollars in thousands)	Contracts	Investment(1)		Allowance
Commercial and industrial	5	$	11,888	$	—
Commercial real estate	4		5,649		—
Residential	21		11,906		592
Total	30	$	29,443	$	592

(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


	Year Ended December 31,
	2017			2016			2015
	Number of	Recorded		Number of	Recorded		Number of	Recorded
(dollars in thousands)	Contracts	Investment(1)		Contracts	Investment(1)		Contracts	Investment(1)
Commercial and industrial(2)	1	$	2,480	—	$	—	3	$	6,153
Commercial real estate(3)	1		1,393	1		1,399	—		—
Residential(4)	—		—	—		—	7		2,281
Total	2	$	3,873	1	$	1,399	10	$	8,434

(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)

In 2017, the maturity date for the commercial and industrial loan that subsequently defaulted was extended. In 2015, all three commercial and industrial loans that subsequently defaulted were refinanced.

(3)

In 2017 and 2016, the commercial real estate loan that subsequently defaulted was modified by extending the maturity date.

(4)

In 2015, all seven residential real estate loans that subsequently defaulted were modified by reducing interest rates, increasing amortizations and deferring principal payments.