Allowance for Credit Losses

12 Months Ended

Dec. 31, 2016

Receivables [Abstract]

Allowance for Credit Losses

7.    ALLOWANCE FOR CREDIT LOSSES

Following is a summary of changes in the allowance for credit losses, by loan and lease class:

(in thousands)	Balance at Beginning of Year		Charge- Offs			Recoveries		Net Charge- Offs			Provision for Credit Losses			Balance at End of Year
Year Ended December 31, 2016
Commercial real estate	$	41,741	$	(6,657	)	$	3,669	$	(2,988	)	$	7,882		$	46,635
Commercial and industrial		41,023		(19,584	)		2,508		(17,076	)		24,044			47,991
Commercial leases		2,541		(962	)		66		(896	)		1,635			3,280
Commercial loans and leases		85,305		(27,203	)		6,243		(20,960	)		33,561			97,906
Direct installment		21,587		(10,153	)		1,822		(8,331	)		8,135			21,391
Residential mortgages		7,909		(441	)		74		(367	)		2,540			10,082
Indirect installment		9,889		(7,855	)		2,015		(5,840	)		6,515			10,564
Consumer lines of credit		9,582		(2,085	)		265		(1,820	)		1,694			9,456
Other		1,013		(2,729	)		131		(2,598	)		2,977			1,392
Total allowance on originated loans		135,285		(50,466	)		10,550		(39,916	)		55,422			150,791
Purchased credit-impaired loans		834		(399	)		42		(357	)		95			572
Other acquired loans		5,893		(649	)		1,217		568			235			6,696
Total allowance on acquired loans		6,727		(1,048	)		1,259		211			330			7,268
Total allowance	$	142,012	$	(51,514	)	$	11,809	$	(39,705	)	$	55,752		$	158,059
Year Ended December 31, 2015
Commercial real estate	$	37,588	$	(4,443	)	$	1,117	$	(3,326	)	$	7,479		$	41,741
Commercial and industrial		32,645		(3,562	)		1,773		(1,789	)		10,167			41,023
Commercial leases		2,398		(544	)		101		(443	)		586			2,541
Commercial loans and leases		72,631		(8,549	)		2,991		(5,558	)		18,232			85,305
Direct installment		20,538		(10,844	)		1,527		(9,317	)		10,366			21,587
Residential mortgages		8,024		(1,010	)		85		(925	)		810			7,909
Indirect installment		7,504		(6,427	)		1,190		(5,237	)		7,622			9,889
Consumer lines of credit		8,496		(1,653	)		175		(1,478	)		2,564			9,582
Other		759		(1,691	)		55		(1,636	)		1,890			1,013
Total allowance on originated loans		117,952		(30,174	)		6,023		(24,151	)		41,484			135,285
Purchased credit-impaired loans		660		(64	)		19		(45	)		219			834
Other acquired loans		7,314		(830	)		671		(159	)		(1,262	)		5,893
Total allowance on acquired loans		7,974		(894	)		690		(204	)		(1,043	)		6,727
Total allowance	$	125,926	$	(31,068	)	$	6,713	$	(24,355	)	$	40,441		$	142,012
Year Ended December 31, 2014
Commercial real estate	$	32,548	$	(6,568	)	$	2,351	$	(4,217	)	$	9,257		$	37,588
Commercial and industrial		32,603		(3,454	)		1,412		(2,042	)		2,084			32,645
Commercial leases		1,903		(415	)		105		(310	)		805			2,398
Commercial loans and leases		67,054		(10,437	)		3,868		(6,569	)		12,146			72,631
Direct installment		17,824		(9,600	)		1,163		(8,437	)		11,151			20,538
Residential mortgages		5,836		(760	)		74		(686	)		2,874			8,024
Indirect installment		6,409		(3,627	)		875		(2,752	)		3,847			7,504
Consumer lines of credit		7,231		(1,495	)		218		(1,277	)		2,542			8,496
Other		530		(1,329	)		24		(1,305	)		1,534			759
Total allowance on originated loans		104,884		(27,248	)		6,222		(21,026	)		34,094			117,952
Purchased credit-impaired loans		1,000		(2,614	)		1		(2,613	)		2,273			660
Other acquired loans		4,900		(873	)		1,006		133			2,281			7,314
Total allowance on acquired loans		5,900		(3,487	)		1,007		(2,480	)		4,554			7,974
Total allowance	$	110,784	$	(30,735	)	$	7,229	$	(23,506	)	$	38,648		$	125,926

Following is a summary of the individual and collective originated allowance for credit losses and corresponding originated loan and lease balances by class:

	Allowance				Loans and Leases Outstanding
(in thousands)	Individually Evaluated for Impairment		Collectively Evaluated for Impairment		Originated Loans and Leases		Individually Evaluated for Impairment		Collectively Evaluated for Impairment
December 31, 2016
Commercial real estate	$	13	$	46,622	$	4,095,817	$	12,973	$	4,082,844
Commercial and industrial		3,190		44,801		2,711,886		21,746		2,690,140
Commercial leases		—		3,280		196,636		—		196,636
Total commercial loans and leases		3,203		94,703		7,004,339		34,719		6,969,620
Direct installment		—		21,391		1,765,257		—		1,765,257
Residential mortgages		—		10,082		1,446,776		—		1,446,776
Indirect installment		—		10,564		1,196,110		—		1,196,110
Consumer lines of credit		—		9,456		1,099,627		—		1,099,627
Other		—		1,392		35,878		—		35,878
Total	$	3,203	$	147,588	$	12,547,987	$	34,719	$	12,513,268
December 31, 2015
Commercial real estate	$	321	$	41,420	$	3,531,146	$	12,904	$	3,518,242
Commercial and industrial		2,329		38,694		2,534,351		10,802		2,523,549
Commercial leases		—		2,541		204,553		—		204,553
Total commercial loans and leases		2,650		82,655		6,270,050		23,706		6,246,344
Direct installment		—		21,587		1,660,717		—		1,660,717
Residential mortgages		—		7,909		1,044,689		—		1,044,689
Indirect installment		—		9,889		996,175		—		996,175
Consumer lines of credit		—		9,582		1,021,830		—		1,021,830
Other		—		1,013		38,518		—		38,518
Total	$	2,650	$	132,635	$	11,031,979	$	23,706	$	11,008,273

The above table excludes acquired loans that were pooled into groups of loans for evaluating impairment.