Allowance for Loan and Lease Losses (Tables)

3 Months Ended

Mar. 31, 2018

Allowance for Loan and Lease Losses

Schedule of components of allowance for loan and lease losses

	Three Months Ended March 31, 2018
	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	$	34,006	$	18,044	$	6,817	$	611	$	42,852	$	31,249	$	3,674	$	137,253
Charge-offs		(475)		—		—		—		—		(6,625)		—		(7,100)
Recoveries		64		122		—		—		182		2,103		—		2,471
Increase (decrease) in Provision		770		1,088		(841)		(26)		186		4,271		502		5,950
Balance at end of period	$	34,365	$	19,254	$	5,976	$	585	$	43,220	$	30,998	$	4,176	$	138,574

	Three Months Ended March 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 period	$	33,129	$	18,448	$	4,513	$	847	$	43,436	$	28,388	$	6,733	$	135,494
Charge-offs		(855)		—		—		—		(22)		(5,572)		—		(6,449)
Recoveries		114		77		—		—		321		1,790		—		2,302
Increase (decrease) in Provision		(831)		1,407		19		(34)		(194)		2,850		1,283		4,500
Balance at end of period	$	31,557	$	19,932	$	4,532	$	813	$	43,541	$	27,456	$	8,016	$	135,847

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

	March 31, 2018
	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	$	6	$	—	$	—	$	437	$	—	$	—	$	447
Collectively evaluated for impairment		34,361		19,248		5,976		585		42,783		30,998		4,176		138,127
Balance at end of period	$	34,365	$	19,254	$	5,976	$	585	$	43,220	$	30,998	$	4,176	$	138,574
Loans and leases:
Individually evaluated for impairment	$	17,044	$	10,141	$	2,001	$	—	$	16,366	$	—	$	—	$	45,552
Collectively evaluated for impairment		3,202,166		2,728,416		592,265		160,140		4,139,637		1,595,989		—		12,418,613
Balance at end of period	$	3,219,210	$	2,738,557	$	594,266	$	160,140	$	4,156,003	$	1,595,989	$	—	$	12,464,165

	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:
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
Balance at end of period	$	34,006	$	18,044	$	6,817	$	611	$	42,852	$	31,249	$	3,674	$	137,253
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 period	$	3,135,266	$	2,667,597	$	632,911	$	165,066	$	4,090,053	$	1,586,476	$	—	$	12,277,369

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

	March 31, 2018
	Commercial		Commercial
	and		Real				Lease
(dollars in thousands)	Industrial		Estate		Construction		Financing		Total
Grade:
Pass	$	3,065,462	$	2,640,740	$	589,090	$	158,105	$	6,453,397
Special mention		100,677		75,962		2,417		1,684		180,740
Substandard		51,510		21,855		2,759		351		76,475
Doubtful		1,561		—		—		—		1,561
Total	$	3,219,210	$	2,738,557	$	594,266	$	160,140	$	6,712,173

	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

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

	March 31, 2018
(dollars in thousands)	Residential		Consumer		Consumer - Auto		Credit Cards		Total
Performing	$	4,142,201	$	222,434	$	1,033,161	$	315,545	$	5,713,341
Non-performing and delinquent		13,802		2,899		18,617		3,333		38,651
Total	$	4,156,003	$	225,333	$	1,051,778	$	318,878	$	5,751,992

	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

Schedule of aging analyses of past due loans and leases

	March 31, 2018
	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	$	253	$	30	$	83	$	366	$	3,216,956	$	3,217,322	$	1,888	$	3,219,210
Commercial real estate		712		—		—		712		2,734,960		2,735,672		2,885		2,738,557
Construction		—		—		343		343		591,922		592,265		2,001		594,266
Lease financing		—		—		—		—		160,140		160,140		—		160,140
Residential		4,673		2,311		1,469		8,453		4,142,201		4,150,654		5,349		4,156,003
Consumer		19,612		3,493		1,744		24,849		1,571,140		1,595,989		—		1,595,989
Total	$	25,250	$	5,834	$	3,639	$	34,723	$	12,417,319	$	12,452,042	$	12,123	$	12,464,165

	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

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

	March 31, 2018
			Unpaid
	Recorded		Principal		Related
(dollars in thousands)	Investment		Balance		Allowance
Impaired loans with no related allowance recorded:
Commercial and industrial	$	16,901	$	17,424	$	—
Commercial real estate		9,259		9,259		—
Construction		2,001		2,001		—
Residential		8,879		9,237		—
Total	$	37,040	$	37,921	$	—
Impaired loans with a related allowance recorded:
Commercial and industrial	$	143	$	143	$	4
Commercial real estate		882		882		6
Residential		7,487		7,768		437
Total	$	8,512	$	8,793	$	447
Total impaired loans:
Commercial and industrial	$	17,044	$	17,567	$	4
Commercial real estate		10,141		10,141		6
Construction		2,001		2,001		—
Residential		16,366		17,005		437
Total	$	45,552	$	46,714	$	447

	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

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

	Three Months Ended
	March 31, 2018
	Average		Interest
	Recorded		Income
(dollars in thousands)	Investment		Recognized
Impaired loans with no related allowance recorded:
Commercial and industrial	$	17,469	$	181
Commercial real estate		9,502		55
Construction		1,001		—
Residential		8,763		130
Total	$	36,735	$	366
Impaired loans with a related allowance recorded:
Commercial and industrial	$	145	$	2
Commercial real estate		887		10
Residential		7,685		84
Total	$	8,717	$	96
Total impaired loans:
Commercial and industrial	$	17,614	$	183
Commercial real estate		10,389		65
Construction		1,001		—
Residential		16,448		214
Total	$	45,452	$	462

	Three Months Ended
	March 31, 2017
	Average		Interest
	Recorded		Income
(dollars in thousands)	Investment		Recognized
Impaired loans with no related allowance recorded:
Commercial and industrial	$	21,705	$	229
Commercial real estate		11,491		129
Lease financing		153		—
Residential		8,841		136
Total	$	42,190	$	494
Impaired loans with a related allowance recorded:
Commercial and industrial	$	6,203	$	47
Commercial real estate		940		11
Residential		9,426		94
Total	$	16,569	$	152
Total impaired loans:
Commercial and industrial	$	27,908	$	276
Commercial real estate		12,431		140
Lease financing		153		—
Residential		18,267		230
Total	$	58,759	$	646

Schedule of information related to loans modified in a TDR

	Three Months Ended
	March 31, 2017
	Number of	Recorded		Related
(dollars in thousands)	Contracts	Investment(1)		Allowance
Commercial and industrial	1	$	1,210	$	—
Residential	1		353		11
Total	2	$	1,563	$	11

⁽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 March 31,
	2018			2017
	Number of	Recorded		Number of	Recorded
(dollars inthousands)	Contracts	Investment(1)		Contracts	Investment(1)
Commercial and industrial(2)	2	$	564	—	$	—
Commercial real estate(3)	—		—	1		1,395
Residential(4)	—		—	1		510
Total	2	$	564	2	$	1,905

⁽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 March 31, 2018, the maturity dates for the commercial and industrial loans that subsequently defaulted were extended.

⁽³⁾ For the three months ended March 31, 2017, the commercial real estate loan that subsequently defaulted was refinanced.

For the three months ended March 31, 2017, the residential real estate loan that subsequently defaulted was modified for interest-only payments