Allowance for Loan and Lease Losses (Tables)

12 Months Ended

Dec. 31, 2018

Allowance for Loan and Lease Losses

Schedule of components of allowance for loan and lease losses

	Year Ended December 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 year	$	34,006	$	18,044	$	6,817	$	611	$	42,852	$	31,249	$	3,674	$	137,253
Charge-offs		(778)		—		—		—		(165)		(26,630)		—		(27,573)
Recoveries		232		216		—		—		940		8,470		—		9,858
Increase (decrease) in Provision		1,041		1,465		(1,004)		(179)		1,279		22,724		(3,146)		22,180
Balance at end of year	$	34,501	$	19,725	$	5,813	$	432	$	44,906	$	35,813	$	528	$	141,718
Individually evaluated for impairment		108		32		—		—		396		—		—		536
Collectively evaluated for impairment		34,393		19,693		5,813		432		44,510		35,813		528		141,182
Loans and leases:
Individually evaluated for impairment	$	8,719	$	5,743	$	—	$	—	$	16,114	$	—	$	—	$	30,576
Collectively evaluated for impairment		3,200,041		2,985,040		626,757		147,769		4,423,504		1,662,504		—		13,045,615
Balance at end of year	$	3,208,760	$	2,990,783	$	626,757	$	147,769	$	4,439,618	$	1,662,504	$	—	$	13,076,191

	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

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

	December 31, 2018
	Commercial		Commercial
	and		Real				Lease
(dollars in thousands)	Industrial		Estate		Construction		Financing		Total
Grade:
Pass	$	3,069,546	$	2,876,907	$	625,607	$	146,356	$	6,718,416
Special mention		57,012		91,298		200		1,223		149,733
Substandard		82,010		22,578		950		190		105,728
Doubtful		192		—		—		—		192
Total	$	3,208,760	$	2,990,783	$	626,757	$	147,769	$	6,974,069

	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

	December 31, 2018
(dollars in thousands)	Residential Mortgage		Home Equity Line		Consumer		Consumer - Auto		Credit Cards		Total
Performing	$	3,519,172	$	903,284	$	234,458	$	1,044,393	$	339,162	$	6,040,469
Non-performing and delinquent		7,929		9,233		5,448		33,739		5,304		61,653
Total	$	3,527,101	$	912,517	$	239,906	$	1,078,132	$	344,466	$	6,102,122

	December 31, 2017
(dollars in thousands)	Residential Mortgage		Home Equity Line		Consumer		Consumer - Auto		Credit Cards		Total
Performing	$	3,215,329	$	858,505	$	231,023	$	1,001,085	$	324,781	$	5,630,723
Non-performing and delinquent		11,272		4,947		3,335		22,612		3,640		45,806
Total	$	3,226,601	$	863,452	$	234,358	$	1,023,697	$	328,421	$	5,676,529

Schedule of aging analyses of past due loans and leases

	December 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	$	1,293	$	—	$	141	$	1,434	$	3,207,052	$	3,208,486	$	274	$	3,208,760
Commercial real estate		—		—		—		—		2,989,125		2,989,125		1,658		2,990,783
Construction		91		—		—		91		626,666		626,757		—		626,757
Lease financing		47		—		—		47		147,722		147,769		—		147,769
Residential mortgage		2,274		1,012		32		3,318		3,519,172		3,522,490		4,611		3,527,101
Home equity line		5,616		775		2,842		9,233		903,284		912,517		—		912,517
Consumer		32,406		8,712		3,373		44,491		1,618,013		1,662,504		—		1,662,504
Total	$	41,727	$	10,499	$	6,388	$	58,614	$	13,011,034	$	13,069,648	$	6,543	$	13,076,191

	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 mortgage		5,340		825		—		6,165		3,215,329		3,221,494		5,107		3,226,601
Home equity line		3,123		464		1,360		4,947		858,505		863,452		—		863,452
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

	December 31, 2018
			Unpaid
	Recorded		Principal		Related
(dollars in thousands)	Investment		Balance		Allowance
Impaired loans with no related allowance recorded:
Commercial and industrial	$	4,449	$	4,498	$	—
Commercial real estate		5,016		5,016		—
Residential mortgage		9,112		9,426		—
Total	$	18,577	$	18,940	$	—
Impaired loans with a related allowance recorded:
Commercial and industrial	$	4,270	$	4,270	$	108
Commercial real estate		727		727		32
Residential mortgage		7,002		7,387		396
Total	$	11,999	$	12,384	$	536
Total impaired loans:
Commercial and industrial	$	8,719	$	8,768	$	108
Commercial real estate		5,743		5,743		32
Residential mortgage		16,114		16,813		396
Total	$	30,576	$	31,324	$	536

	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 mortgage		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 mortgage		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 mortgage		16,530		17,168		484
Total	$	45,349	$	46,860	$	494

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

	Year Ended
	December 31, 2018
	Average		Interest
	Recorded		Income
(dollars in thousands)	Investment		Recognized
Impaired loans with no related allowance recorded:
Commercial and industrial	$	11,409	$	408
Commercial real estate		7,873		231
Construction		1,248		91
Residential mortgage		9,356		529
Total	$	29,886	$	1,259
Impaired loans with a related allowance recorded:
Commercial and industrial	$	3,154	$	273
Commercial real estate		942		67
Residential mortgage		7,369		335
Total	$	11,465	$	675
Total impaired loans:
Commercial and industrial	$	14,563	$	681
Commercial real estate		8,815		298
Construction		1,248		91
Residential mortgage		16,725		864
Total	$	41,351	$	1,934

	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 mortgage		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 mortgage		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 mortgage		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 mortgage		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 mortgage		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 mortgage		20,786		1,171
Total	$	57,860	$	3,494

Schedule of information related to loans modified in a TDR

	Year Ended December 31, 2018
	Number of	Recorded		Related
(dollars in thousands)	Contracts	Investment(1)		Allowance
Commercial and industrial	1	$	369	$	10
Residential mortgage	3		875		29
Total	4	$	1,244	$	39

	Year Ended December 31, 2017
	Number of	Recorded		Related
(dollars in thousands)	Contracts	Investment(1)		Allowance
Commercial and industrial	1	$	1,075	$	—
Residential mortgage	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 mortgage	12		5,159		234
Total	25	$	29,801	$	618

(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,
	2018			2017			2016
	Number of	Recorded		Number of	Recorded		Number of	Recorded
(dollars inthousands)	Contracts	Investment(1)		Contracts	Investment(1)		Contracts	Investment(1)
Commercial and industrial(2)	—	$	—	1	$	2,480	—	$	—
Commercial real estate(3)	—		—	1		1,393	1		1,399
Total	—	$	—	2	$	3,873	1	$	1,399

(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) In 2017, the maturity date for the commercial and industrial loan that subsequently defaulted was extended.

(3) In 2017 and 2016, the commercial real estate loans that subsequently defaulted were extended.