Allowance for Loan and Lease Losses (Tables)

3 Months Ended

Mar. 31, 2019

Allowance for Loan and Lease Losses

Schedule of components of allowance for loan and lease losses

	Three Months Ended March 31, 2019
	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	$	34,501	$	19,725	$	5,813	$	432	$	44,906	$	35,813	$	528	$	141,718
Charge-offs		—		—		—		(24)		—		(8,598)		—		(8,622)
Recoveries		37		31		—		—		250		2,452		—		2,770
Increase (decrease) in Provision		(2,745)		1,441		(432)		3		(245)		5,432		2,226		5,680
Balance at end of period	$	31,793	$	21,197	$	5,381	$	411	$	44,911	$	35,099	$	2,754	$	141,546

	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

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

	March 31, 2019
	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	$	429	$	26	$	—	$	—	$	430	$	—	$	—	$	885
Collectively evaluated for impairment		31,364		21,171		5,381		411		44,481		35,099		2,754		140,661
Balance at end of period	$	31,793	$	21,197	$	5,381	$	411	$	44,911	$	35,099	$	2,754	$	141,546
Loans and leases:
Individually evaluated for impairment	$	10,073	$	3,907	$	—	$	—	$	15,529	$	—	$	—	$	29,509
Collectively evaluated for impairment		3,193,697		3,143,397		595,491		145,987		4,436,264		1,653,109		—		13,167,945
Balance at end of period	$	3,203,770	$	3,147,304	$	595,491	$	145,987	$	4,451,793	$	1,653,109	$	—	$	13,197,454

	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:
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
Balance at end of period	$	34,501	$	19,725	$	5,813	$	432	$	44,906	$	35,813	$	528	$	141,718
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 period	$	3,208,760	$	2,990,783	$	626,757	$	147,769	$	4,439,618	$	1,662,504	$	—	$	13,076,191

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

	March 31, 2019
	Commercial		Commercial
	and		Real				Lease
(dollars in thousands)	Industrial		Estate		Construction		Financing		Total
Grade:
Pass	$	3,102,106	$	3,000,806	$	594,368	$	144,874	$	6,842,154
Special mention		60,275		101,393		185		947		162,800
Substandard		41,389		45,105		938		166		87,598
Total	$	3,203,770	$	3,147,304	$	595,491	$	145,987	$	7,092,552

	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

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

	March 31, 2019
(dollars in thousands)	Residential Mortgage		Home Equity Line		Consumer		Consumer - Auto		Credit Cards		Total
Performing	$	3,538,122	$	901,821	$	234,539	$	1,056,907	$	325,656	$	6,057,045
Non-performing and delinquent		5,842		6,008		5,121		26,036		4,850		47,857
Total	$	3,543,964	$	907,829	$	239,660	$	1,082,943	$	330,506	$	6,104,902

	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

Schedule of aging analyses of past due loans and leases

	March 31, 2019
	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	$	1,415	$	307	$	350	$	2,072	$	3,201,508	$	3,203,580	$	190	$	3,203,770
Commercial real estate		225		129		—		354		3,146,950		3,147,304		—		3,147,304
Construction		—		—		89		89		595,402		595,491		—		595,491
Lease financing		—		—		—		—		145,987		145,987		—		145,987
Residential mortgage		1,353		399		—		1,752		3,538,122		3,539,874		4,090		3,543,964
Home equity line		3,083		477		2,448		6,008		901,821		907,829		—		907,829
Consumer		25,640		6,829		3,538		36,007		1,617,102		1,653,109		—		1,653,109
Total	$	31,716	$	8,141	$	6,425	$	46,282	$	13,146,892	$	13,193,174	$	4,280	$	13,197,454

	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

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

	March 31, 2019
			Unpaid
	Recorded		Principal		Related
(dollars in thousands)	Investment		Balance		Allowance
Impaired loans with no related allowance recorded:
Commercial and industrial	$	2,387	$	2,421	$	—
Commercial real estate		3,188		3,188		—
Residential mortgage		8,220		8,534		—
Total	$	13,795	$	14,143	$	—
Impaired loans with a related allowance recorded:
Commercial and industrial	$	7,686	$	7,686	$	429
Commercial real estate		719		719		26
Residential mortgage		7,309		7,695		430
Total	$	15,714	$	16,100	$	885
Total impaired loans:
Commercial and industrial	$	10,073	$	10,107	$	429
Commercial real estate		3,907		3,907		26
Residential mortgage		15,529		16,229		430
Total	$	29,509	$	30,243	$	885

	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

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

	Three Months Ended
	March 31, 2019
	Average		Interest
	Recorded		Income
(dollars in thousands)	Investment		Recognized
Impaired loans with no related allowance recorded:
Commercial and industrial	$	3,418	$	29
Commercial real estate		4,102		171
Residential mortgage		8,666		100
Total	$	16,186	$	300
Impaired loans with a related allowance recorded:
Commercial and industrial	$	5,978	$	108
Commercial real estate		723		10
Residential mortgage		7,156		96
Total	$	13,857	$	214
Total impaired loans:
Commercial and industrial	$	9,396	$	137
Commercial real estate		4,825		181
Residential mortgage		15,822		196
Total	$	30,043	$	514

	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 mortgage		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 mortgage		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 mortgage		16,448		214
Total	$	45,452	$	462

Schedule of information related to loans modified in a TDR

	Three Months Ended					Three Months Ended
	March 31, 2019					March 31, 2018
	Number of	Recorded		Related		Number of	Recorded		Related
(dollars in thousands)	Contracts	Investment(1)		Allowance		Contracts	Investment(1)		Allowance
Commercial and industrial	4	$	916	$	24	—	$	—	$	—
Residential mortgage	1		352		14	—		—		—
Total	5	$	1,268	$	38	—	$	—	$	—

⁽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,
	2019			2018
	Number of	Recorded		Number of	Recorded
(dollars inthousands)	Contracts	Investment(1)		Contracts	Investment(1)
Commercial and industrial(2)	—	$	—	2	$	564
Total	—	$	—	2	$	564

⁽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.