Allowance for Loan and Lease Losses (Tables)

9 Months Ended

Sep. 30, 2018

Allowance for Loan and Lease Losses

Schedule of components of allowance for loan and lease losses

	Three Months Ended September 30, 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	$	35,239	$	20,507	$	7,606	$	557	$	43,925	$	31,509	$	1,258	$	140,601
Charge-offs		(303)		—		—		—		(125)		(5,700)		—		(6,128)
Recoveries		51		21		—		—		442		1,803		—		2,317
Increase (decrease) in Provision		(1,551)		286		(1,388)		(29)		147		6,381		614		4,460
Balance at end of period	$	33,436	$	20,814	$	6,218	$	528	$	44,389	$	33,993	$	1,872	$	141,250

	Nine Months Ended September 30, 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		(778)		—		—		—		(159)		(18,615)		—		(19,552)
Recoveries		154		175		—		—		684		6,106		—		7,119
Increase (decrease) in Provision		54		2,595		(599)		(83)		1,012		15,253		(1,802)		16,430
Balance at end of period	$	33,436	$	20,814	$	6,218	$	528	$	44,389	$	33,993	$	1,872	$	141,250

	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

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

	September 30, 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	$	448	$	57	$	—	$	—	$	409	$	—	$	—	$	914
Collectively evaluated for impairment		32,988		20,757		6,218		528		43,980		33,993		1,872		140,336
Balance at end of period	$	33,436	$	20,814	$	6,218	$	528	$	44,389	$	33,993	$	1,872	$	141,250
Loans and leases:
Individually evaluated for impairment	$	12,785	$	7,650	$	2,001	$	—	$	17,118	$	—	$	—	$	39,554
Collectively evaluated for impairment		2,956,452		2,884,103		610,793		161,314		4,296,371		1,651,877		—		12,560,910
Balance at end of period	$	2,969,237	$	2,891,753	$	612,794	$	161,314	$	4,313,489	$	1,651,877	$	—	$	12,600,464

	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

	September 30, 2018
	Commercial		Commercial
	and		Real				Lease
(dollars in thousands)	Industrial		Estate		Construction		Financing		Total
Grade:
Pass	$	2,831,415	$	2,797,282	$	608,201	$	159,501	$	6,396,399
Special mention		64,966		69,992		1,630		1,544		138,132
Substandard		72,664		24,479		2,963		269		100,375
Doubtful		192		—		—		—		192
Total	$	2,969,237	$	2,891,753	$	612,794	$	161,314	$	6,635,098

	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

	September 30, 2018
(dollars in thousands)	Residential		Consumer		Consumer - Auto		Credit Cards		Total
Performing	$	4,297,918	$	235,072	$	1,049,219	$	325,317	$	5,907,526
Non-performing and delinquent		15,571		5,505		33,082		3,682		57,840
Total	$	4,313,489	$	240,577	$	1,082,301	$	328,999	$	5,965,366

	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

	September 30, 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	$	2,911	$	217	$	141	$	3,269	$	2,965,487	$	2,968,756	$	481	$	2,969,237
Commercial real estate		457		284		172		913		2,888,054		2,888,967		2,786		2,891,753
Construction		232		—		—		232		610,561		610,793		2,001		612,794
Lease financing		—		—		—		—		161,314		161,314		—		161,314
Residential		5,927		1,178		2,788		9,893		4,297,918		4,307,811		5,678		4,313,489
Consumer		32,943		6,513		2,813		42,269		1,609,608		1,651,877		—		1,651,877
Total	$	42,470	$	8,192	$	5,914	$	56,576	$	12,532,942	$	12,589,518	$	10,946	$	12,600,464

	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

	September 30, 2018
			Unpaid
	Recorded		Principal		Related
(dollars in thousands)	Investment		Balance		Allowance
Impaired loans with no related allowance recorded:
Commercial and industrial	$	2,929	$	3,044	$	—
Commercial real estate		6,312		6,412		—
Construction		2,001		2,001		—
Residential		10,068		10,383		—
Total	$	21,310	$	21,840	$	—
Impaired loans with a related allowance recorded:
Commercial and industrial	$	9,856	$	9,856	$	448
Commercial real estate		1,338		1,338		57
Residential		7,050		7,435		409
Total	$	18,244	$	18,629	$	914
Total impaired loans:
Commercial and industrial	$	12,785	$	12,900	$	448
Commercial real estate		7,650		7,750		57
Construction		2,001		2,001		—
Residential		17,118		17,818		409
Total	$	39,554	$	40,469	$	914

	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				Nine Months Ended
	September 30, 2018				September 30, 2018
	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	$	8,830	$	38	$	13,149	$	141
Commercial real estate		7,671		47		8,587		116
Construction		2,120		12		1,560		12
Residential		10,069		132		9,416		399
Total	$	28,690	$	229	$	32,712	$	668
Impaired loans with a related allowance recorded:
Commercial and industrial	$	5,605	$	136	$	2,875	$	402
Commercial real estate		1,106		17		996		51
Residential		7,238		77		7,461		248
Total	$	13,949	$	230	$	11,332	$	701
Total impaired loans:
Commercial and industrial	$	14,435	$	174	$	16,024	$	543
Commercial real estate		8,777		64		9,583		167
Construction		2,120		12		1,560		12
Residential		17,307		209		16,877		647
Total	$	42,639	$	459	$	44,044	$	1,369

	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

Schedule of information related to loans modified in a TDR

	Three Months Ended					Nine Months Ended
	September 30, 2018					September 30, 2018
	Number of	Recorded		Related		Number of	Recorded		Related
(dollars in thousands)	Contracts	Investment(1)		Allowance		Contracts	Investment(1)		Allowance
Commercial and industrial	—	$	—	$	—	1	$	450	$	12
Residential	3		883		30	3		883		30
Total	3	$	883	$	30	4	$	1,333	$	42

	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

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, 2018			September 30, 2018			September 30, 2017			September 30, 2017
	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)	—	$	—	2	$	254	—	$	—	1	$	2,496
Commercial real estate(3)	—		—	—		—	—		—	1		1,393
Residential(4)	—		—	—		—	—		—	1		510
Total	—	$	—	2	$	254	—	$	—	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 both the nine months ended September 30, 2018 and 2017, the maturity dates for the commercial and industrial loans that subsequently defaulted were extended.

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

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