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Loans and Leases and the Allowance for Loan and Lease Losses (Tables)
 9 Months Ended
Sep. 30, 2015
Loans and Leases and Allowance for Loan and Lease Losses [Abstract]  
Schedule of Loan and Lease Portfolio
The Company’s loan and lease portfolio was comprised of the following as of September 30, 2015 and December 31, 2014:

(dollars in thousands)
September 30,
2015

 
December 31,
2014

Commercial
 

 
 

Commercial and Industrial
$
1,169,817

 
$
1,055,243

Commercial Mortgage
1,622,119

 
1,437,513

Construction
129,254

 
109,183

Lease Financing
202,055

 
226,189

Total Commercial
3,123,245

 
2,828,128

Consumer
 

 
 

Residential Mortgage
2,875,605

 
2,571,090

Home Equity
993,817

 
866,688

Automobile
367,640

 
323,848

Other 1
329,465

 
307,835

Total Consumer
4,566,527

 
4,069,461

Total Loans and Leases
$
7,689,772

 
$
6,897,589

1 
Comprised of other revolving credit, installment, and lease financing.
Schedule of Portfolio Segment and Balance in Allowance Disaggregated on the Basis of Impairment Measurement Method
The following presents by portfolio segment, the activity in the Allowance for the three and nine months ended September 30, 2015 and 2014.  The following also presents by portfolio segment, the balance in the Allowance disaggregated on the basis of the Company’s impairment measurement method and the related recorded investment in loans and leases as of September 30, 2015 and 2014.

(dollars in thousands)
Commercial

 
Consumer

 
Total

Three Months Ended September 30, 2015
 

 
 

 
 

Allowance for Loan and Lease Losses:
 

 
 

 
 

Balance at Beginning of Period
$
67,005

 
$
39,001

 
$
106,006

Loans and Leases Charged-Off
(160
)
 
(4,233
)
 
(4,393
)
Recoveries on Loans and Leases Previously Charged-Off
504

 
1,921

 
2,425

Net Loans and Leases Recovered (Charged-Off)
344

 
(2,312
)
 
(1,968
)
Provision for Credit Losses
(2,708
)
 
2,708

 
—

Balance at End of Period
$
64,641

 
$
39,397

 
$
104,038

Nine Months Ended September 30, 2015
 

 
 

 
 

Allowance for Loan and Lease Losses:
 

 
 

 
 

Balance at Beginning of Period
$
64,551

 
$
44,137

 
$
108,688

Loans and Leases Charged-Off
(650
)
 
(11,327
)
 
(11,977
)
Recoveries on Loans and Leases Previously Charged-Off
1,726

 
5,601

 
7,327

Net Loans and Leases Recovered (Charged-Off)
1,076

 
(5,726
)
 
(4,650
)
Provision for Credit Losses
(986
)
 
986

 
—

Balance at End of Period
$
64,641

 
$
39,397

 
$
104,038

As of September 30, 2015
 

 
 

 
 

Allowance for Loan and Lease Losses:
 

 
 

 
 

Individually Evaluated for Impairment
$
1,977

 
$
3,336

 
$
5,313

Collectively Evaluated for Impairment
62,664

 
36,061

 
98,725

Total
$
64,641

 
$
39,397

 
$
104,038

Recorded Investment in Loans and Leases:
 

 
 

 
 

Individually Evaluated for Impairment
$
29,016

 
$
39,013

 
$
68,029

Collectively Evaluated for Impairment
3,094,229

 
4,527,514

 
7,621,743

Total
$
3,123,245

 
$
4,566,527

 
$
7,689,772

 
 
 
 
 
 
Three Months Ended September 30, 2014
 

 
 

 
 

Allowance for Loan and Lease Losses:
 

 
 

 
 

Balance at Beginning of Period
$
71,886

 
$
41,952

 
$
113,838

Loans and Leases Charged-Off
(229
)
 
(3,432
)
 
(3,661
)
Recoveries on Loans and Leases Previously Charged-Off
1,202

 
1,648

 
2,850

Net Loans and Leases Recovered (Charged-Off)
973

 
(1,784
)
 
(811
)
Provision for Credit Losses
(6,619
)
 
3,954

 
(2,665
)
Balance at End of Period
$
66,240

 
$
44,122

 
$
110,362

Nine Months Ended September 30, 2014
 

 
 

 
 

Allowance for Loan and Lease Losses:
 

 
 

 
 

Balance at Beginning of Period
$
71,446

 
$
44,008

 
$
115,454

Loans and Leases Charged-Off
(1,863
)
 
(9,833
)
 
(11,696
)
Recoveries on Loans and Leases Previously Charged-Off
4,299

 
7,169

 
11,468

Net Loans and Leases Recovered (Charged-Off)
2,436

 
(2,664
)
 
(228
)
Provision for Credit Losses
(7,642
)
 
2,778

 
(4,864
)
Balance at End of Period
$
66,240

 
$
44,122

 
$
110,362

As of September 30, 2014
 

 
 

 
 

Allowance for Loan and Lease Losses:
 

 
 

 
 

Individually Evaluated for Impairment
$
2,449

 
$
3,653

 
$
6,102

Collectively Evaluated for Impairment
63,791

 
40,469

 
104,260

Total
$
66,240

 
$
44,122

 
$
110,362

Recorded Investment in Loans and Leases:
 

 
 

 
 

Individually Evaluated for Impairment
$
26,061

 
$
39,886

 
$
65,947

Collectively Evaluated for Impairment
2,702,863

 
3,837,540

 
6,540,403

Total
$
2,728,924

 
$
3,877,426

 
$
6,606,350
Schedule of Recorded Investment in Loans and Leases by Class and by Credit Quality Indicator
The following presents by class and by credit quality indicator, the recorded investment in the Company’s loans and leases as of September 30, 2015 and December 31, 2014.
 
September 30, 2015
(dollars in thousands)
Commercial
and Industrial

 
Commercial
Mortgage

 
Construction

 
Lease
Financing

 
Total
Commercial

Pass
$
1,122,454

 
$
1,551,159

 
$
127,541

 
$
201,473

 
$
3,002,627

Special Mention
20,726

 
31,145

 
88

 
85

 
52,044

Classified
26,637

 
39,815

 
1,625

 
497

 
68,574

Total
$
1,169,817

 
$
1,622,119

 
$
129,254

 
$
202,055

 
$
3,123,245

 
 
 
 
 
 
 
 
 
 
(dollars in thousands)
Residential
Mortgage

 
Home
Equity

 
Automobile

 
Other 1

 
Total
Consumer

Pass
$
2,859,438

 
$
989,433

 
$
367,009

 
$
328,873

 
$
4,544,753

Classified
16,167

 
4,384

 
631

 
592

 
21,774

Total
$
2,875,605

 
$
993,817

 
$
367,640

 
$
329,465

 
$
4,566,527

Total Recorded Investment in Loans and Leases
 
 

 
 

 
 

 
$
7,689,772

 
December 31, 2014
(dollars in thousands)
Commercial
and Industrial

 
Commercial
Mortgage

 
Construction

 
Lease
Financing

 
Total
Commercial

Pass
$
1,001,474

 
$
1,358,812

 
$
107,381

 
$
225,783

 
$
2,693,450

Special Mention
17,364

 
45,082

 
—

 
17

 
62,463

Classified
36,405

 
33,619

 
1,802

 
389

 
72,215

Total
$
1,055,243

 
$
1,437,513

 
$
109,183

 
$
226,189

 
$
2,828,128

 
 
 
 
 
 
 
 
 
 
(dollars in thousands)
Residential
Mortgage

 
Home
Equity

 
Automobile

 
Other 1

 
Total
Consumer

Pass
$
2,556,140

 
$
862,258

 
$
323,232

 
$
307,123

 
$
4,048,753

Classified
14,950

 
4,430

 
616

 
712

 
20,708

Total
$
2,571,090

 
$
866,688

 
$
323,848

 
$
307,835

 
$
4,069,461

Total Recorded Investment in Loans and Leases
 
 

 
 

 
 

 
$
6,897,589

1 
Comprised of other revolving credit, installment, and lease financing.
Schedule of Aging Analysis by Class of Loan and Lease Portfolio
The following presents by class, an aging analysis of the Company’s loan and lease portfolio as of September 30, 2015 and December 31, 2014.
(dollars in thousands)
30 - 59
Days
Past Due

 
60 - 89
Days
Past Due

 
Past Due
90 Days
or More

 
Non-Accrual

 
Total
Past Due and
Non-Accrual

 
Current

 
Total
Loans and
Leases

 
Non-Accrual
Loans and
Leases that
are Current 2

As of September 30, 2015
 

 
 

 
 

 
 

 
 

 
 

 
 

 
 

Commercial
 

 
 

 
 

 
 

 
 

 
 

 
 

 
 

Commercial and Industrial
$
4,830

 
$
1,361

 
$
—

 
$
8,532

 
$
14,723

 
$
1,155,094

 
$
1,169,817

 
$
571

Commercial Mortgage
—

 
29

 
—

 
1,058

 
1,087

 
1,621,032

 
1,622,119

 
833

Construction
—

 
—

 
—

 
—

 
—

 
129,254

 
129,254

 
—

Lease Financing
—

 
—

 
—

 
—

 
—

 
202,055

 
202,055

 
—

Total Commercial
4,830

 
1,390

 
—

 
9,590

 
15,810

 
3,107,435

 
3,123,245

 
1,404

Consumer
 

 
 

 
 

 
 

 
 

 
 

 
 

 
 

Residential Mortgage
6,023

 
1,526

 
5,060

 
14,749

 
27,358

 
2,848,247

 
2,875,605

 
2,419

Home Equity
2,331

 
2,345

 
1,396

 
3,814

 
9,886

 
983,931

 
993,817

 
1,683

Automobile
7,827

 
1,612

 
631

 
—

 
10,070

 
357,570

 
367,640

 
—

Other 1
2,273

 
1,454

 
1,058

 
—

 
4,785

 
324,680

 
329,465

 
—

Total Consumer
18,454

 
6,937

 
8,145

 
18,563

 
52,099

 
4,514,428

 
4,566,527

 
4,102

Total
$
23,284

 
$
8,327

 
$
8,145

 
$
28,153

 
$
67,909

 
$
7,621,863

 
$
7,689,772

 
$
5,506

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
As of December 31, 2014
 

 
 

 
 

 
 

 
 

 
 

 
 

 
 

Commercial
 

 
 

 
 

 
 

 
 

 
 

 
 

 
 

Commercial and Industrial
$
992

 
$
356

 
$
2

 
$
9,088

 
$
10,438

 
$
1,044,805

 
$
1,055,243

 
$
7,819

Commercial Mortgage
458

 
—

 
—

 
745

 
1,203

 
1,436,310

 
1,437,513

 
—

Construction
—

 
—

 
—

 
—

 
—

 
109,183

 
109,183

 
—

Lease Financing
—

 
—

 
—

 
—

 
—

 
226,189

 
226,189

 
—

Total Commercial
1,450


356


2

 
9,833

 
11,641

 
2,816,487

 
2,828,128

 
7,819

Consumer
 

 
 

 
 

 
 

 
 

 
 

 
 

 
 

Residential Mortgage
4,907

 
2,107

 
4,506

 
14,841

 
26,361

 
2,544,729

 
2,571,090

 
632

Home Equity
3,461

 
2,661

 
2,596

 
3,097

 
11,815

 
854,873

 
866,688

 
375

Automobile
7,862

 
1,483

 
616

 
—

 
9,961

 
313,887

 
323,848

 
—

Other 1
2,416

 
1,049

 
941

 
—

 
4,406

 
303,429

 
307,835

 
—

Total Consumer
18,646

 
7,300

 
8,659

 
17,938

 
52,543

 
4,016,918

 
4,069,461

 
1,007

Total
$
20,096

 
$
7,656

 
$
8,661

 
$
27,771

 
$
64,184

 
$
6,833,405

 
$
6,897,589

 
$
8,826

1 
Comprised of other revolving credit, installment, and lease financing.
2 
Represents non-accrual loans that are not past due 30 days or more; however, full payment of principal and interest is still not expected.
Schedule of Information Related to Impaired Loans
The following presents by class, information related to impaired loans as of September 30, 2015 and December 31, 2014.

(dollars in thousands)
Recorded
 Investment

 
Unpaid
 Principal
 Balance

 
Related 
Allowance for 
Loan Losses

September 30, 2015
 

 
 

 
 

Impaired Loans with No Related Allowance Recorded:
 

 
 

 
 

Commercial
 

 
 

 
 

Commercial and Industrial
$
14,131

 
$
24,605

 
$
—

Commercial Mortgage
7,337

 
7,337

 
—

Construction
1,626

 
1,626

 
—

Total Commercial
23,094

 
33,568

 
—

Total Impaired Loans with No Related Allowance Recorded
$
23,094

 
$
33,568

 
$
—

 
 
 
 
 
 
Impaired Loans with an Allowance Recorded:
 

 
 

 
 

Commercial
 

 
 

 
 

Commercial and Industrial
$
5,922

 
$
12,523

 
$
1,977

Total Commercial
5,922

 
12,523

 
1,977

Consumer
 

 
 

 
 

Residential Mortgage
30,253

 
36,046

 
3,169

Home Equity
1,191

 
1,191

 
13

Automobile
6,238

 
6,238

 
117

Other 1
1,331

 
1,331

 
37

Total Consumer
39,013

 
44,806

 
3,336

Total Impaired Loans with an Allowance Recorded
$
44,935

 
$
57,329

 
$
5,313

 
 
 
 
 
 
Impaired Loans:
 
 
 
 
 
Commercial
$
29,016

 
$
46,091

 
$
1,977

Consumer
39,013

 
44,806

 
3,336

Total Impaired Loans
$
68,029

 
$
90,897

 
$
5,313

 
 
 
 
 
 
December 31, 2014
 

 
 

 
 

Impaired Loans with No Related Allowance Recorded:
 

 
 

 
 

Commercial
 

 
 

 
 

Commercial and Industrial
$
9,763

 
$
15,013

 
$
—

Commercial Mortgage
6,480

 
6,480

 
—

Construction
1,689

 
1,689

 
—

Total Commercial
17,932

 
23,182

 
—

Total Impaired Loans with No Related Allowance Recorded
$
17,932

 
$
23,182

 
$
—

 
 
 
 
 
 
Impaired Loans with an Allowance Recorded:
 

 
 

 
 

Commercial
 

 
 

 
 

Commercial and Industrial
$
7,184

 
$
13,784

 
$
2,387

Total Commercial
7,184

 
13,784

 
2,387

Consumer
 

 
 

 
 

Residential Mortgage
32,331

 
37,989

 
3,445

Home Equity
1,012

 
1,012

 
16

Automobile
5,375

 
5,375

 
66

Other 1
913

 
913

 
34

Total Consumer
39,631

 
45,289

 
3,561

Total Impaired Loans with an Allowance Recorded
$
46,815

 
$
59,073

 
$
5,948

 
 
 
 
 
 
Impaired Loans:
 

 
 

 
 

Commercial
$
25,116

 
$
36,966

 
$
2,387

Consumer
39,631

 
45,289

 
3,561

Total Impaired Loans
$
64,747

 
$
82,255

 
$
5,948

1 Comprised of other revolving credit and installment financing.
Schedule of the Average Recorded Investment and Interest Income Recognized on Impaired Loans
The following presents by class, information related to the average recorded investment and interest income recognized on impaired loans for the three and nine months ended September 30, 2015 and 2014.

 
Three Months Ended
September 30, 2015
 
Three Months Ended
September 30, 2014
(dollars in thousands)
Average Recorded
Investment

 
Interest Income
Recognized

 
Average Recorded
Investment

 
Interest Income
Recognized

Impaired Loans with No Related Allowance Recorded:
 
 

 
 

 
 

Commercial
 

 
 

 
 

 
 

Commercial and Industrial
$
13,368

 
$
96

 
$
10,161

 
$
96

Commercial Mortgage
7,155

 
67

 
7,046

 
56

Construction
1,637

 
26

 
2,024

 
28

Total Commercial
22,160

 
189

 
19,231

 
180

Consumer
 
 
 
 
 
 
 
Other 1
—

 
—

 
9

 
—

Total Consumer
—

 
—

 
9

 
—

Total Impaired Loans with No Related Allowance Recorded
$
22,160

 
$
189

 
$
19,240

 
$
180

 
 
 
 
 
 
 
 
Impaired Loans with an Allowance Recorded:
 

 
 

 
 

 
 

Commercial
 

 
 

 
 

 
 

Commercial and Industrial
$
6,105

 
$
24

 
$
7,345

 
$
25

Total Commercial
6,105

 
24

 
7,345

 
25

Consumer
 

 
 

 
 

 
 

Residential Mortgage
30,719

 
265

 
31,989

 
269

Home Equity
1,191

 
9

 
1,029

 
13

Automobile
6,013

 
104

 
5,345

 
114

Other 1
1,218

 
28

 
576

 
12

Total Consumer
39,141

 
406

 
38,939

 
408

Total Impaired Loans with an Allowance Recorded
$
45,246

 
$
430

 
$
46,284

 
$
433

 
 
 
 
 
 
 
 
Impaired Loans:
 

 
 

 
 

 
 

Commercial
$
28,265

 
$
213

 
$
26,576

 
$
205

Consumer
39,141

 
406

 
38,948

 
408

Total Impaired Loans
$
67,406

 
$
619

 
$
65,524

 
$
613

 
 
 
 
 
 
 
 
 
Nine Months Ended
September 30, 2015
 
Nine Months Ended
September 30, 2014
(dollars in thousands)
Average Recorded
Investment

 
Interest Income
Recognized

 
Average Recorded
Investment

 
Interest Income
Recognized

Impaired Loans with No Related Allowance Recorded:
 
 

 
 

 
 

Commercial
 

 
 

 
 

 
 

Commercial and Industrial
$
12,074

 
$
304

 
$
11,518

 
$
254

Commercial Mortgage
6,799

 
198

 
9,041

 
167

Construction
1,658

 
80

 
1,540

 
66

Total Commercial
20,531

 
582

 
22,099

 
487

Consumer
 
 
 
 
 
 
 
Other 1
—

 
—

 
7

 
—

Total Consumer
—

 
—

 
7

 
—

Total Impaired Loans with No Related Allowance Recorded
$
20,531

 
$
582

 
$
22,106

 
$
487

 
 
 
 
 
 
 
 
Impaired Loans with an Allowance Recorded:
 

 
 

 
 

 
 

Commercial
 

 
 

 
 

 
 

Commercial and Industrial
$
6,401

 
$
78

 
$
8,260

 
$
80

Total Commercial
6,401

 
78

 
8,260

 
80

Consumer
 

 
 

 
 

 
 

Residential Mortgage
31,374

 
796

 
31,915

 
749

Home Equity
1,149

 
28

 
952

 
27

Automobile
5,737

 
319

 
5,235

 
327

Other 1
1,082

 
77

 
471

 
30

Total Consumer
39,342

 
1,220

 
38,573

 
1,133

Total Impaired Loans with an Allowance Recorded
$
45,743

 
$
1,298

 
$
46,833

 
$
1,213

 
 
 
 
 
 
 
 
Impaired Loans:
 

 
 

 
 

 
 

Commercial
$
26,932

 
$
660

 
$
30,359

 
$
567

Consumer
39,342

 
1,220

 
38,580

 
1,133

Total Impaired Loans
$
66,274

 
$
1,880

 
$
68,939

 
$
1,700

1 
Comprised of other revolving credit and installment financing.
Schedule of Loans Modified in a TDR
The following presents by class, information related to loans modified in a TDR during the three and nine months ended September 30, 2015 and 2014.
 
Loans Modified as a TDR for the
Three Months Ended September 30, 2015
 
Loans Modified as a TDR for the
Three Months Ended September 30, 2014
 
 

 
Recorded

 
Increase in

 
 

 
Recorded

 
Increase in

Troubled Debt Restructurings
Number of

 
Investment

 
Allowance

 
Number of

 
Investment

 
Allowance

(dollars in thousands)
Contracts

(as of period end)1
 
(as of period end)
 
 
Contracts

(as of period end)1
 
(as of period end)
 
Commercial
 

 
 

 
 

 
 

 
 

 
 

Commercial and Industrial
13

 
$
6,551

 
$
—

 
4

 
$
1,203

 
$
155

Total Commercial
13

 
6,551

 
—

 
4

 
1,203

 
155

Consumer
 

 
 

 
 

 
 

 
 

 
 

Residential Mortgage
2

 
749

 
—

 
6

 
1,581

 
56

Home Equity
1

 
168

 
2

 
—

 
—

 
—

Automobile
47

 
1,172

 
22

 
35

 
774

 
10

Other 2
50

 
344

 
9

 
35

 
255

 
8

Total Consumer
100

 
2,433

 
33

 
76

 
2,610

 
74

Total
113

 
$
8,984

 
$
33

 
80

 
$
3,813

 
$
229

 
 
 
 
 
 
 
 
 
 
 
 
 
Loans Modified as a TDR for the
Nine Months Ended September 30, 2015
 
Loans Modified as a TDR for the
Nine Months Ended September 30, 2014
 
 

 
Recorded

 
Increase in

 
 

 
Recorded

 
Increase in

Troubled Debt Restructurings
Number of

 
Investment

 
Allowance

 
Number of

 
Investment

 
Allowance

(dollars in thousands)
Contracts

(as of period end)1
 
(as of period end)
 
 
Contracts

(as of period end)1
 
(as of period end)
 
Commercial
 

 
 

 
 

 
 

 
 

 
 

Commercial and Industrial
27

 
$
8,438

 
$
4

 
16

 
$
5,416

 
$
156

Commercial Mortgage
2

 
1,179

 
—

 
1

 
332

 
—

Total Commercial
29

 
9,617

 
4

 
17

 
5,748

 
156

Consumer
 

 
 

 
 

 
 

 
 

 
 

Residential Mortgage
12

 
4,211

 
84

 
15

 
4,886

 
183

Home Equity
3

 
370

 
4

 
2

 
158

 
3

Automobile
119

 
2,723

 
51

 
112

 
2,213

 
29

Other 2
102

 
702

 
20

 
53

 
414

 
13

Total Consumer
236

 
8,006

 
159

 
182

 
7,671

 
228

Total
265

 
$
17,623

 
$
163

 
199

 
$
13,419

 
$
384

1 
The period end balances reflect all paydowns and charge-offs since the modification date.  TDRs fully paid-off, charged-off, or foreclosed upon by period end are not included.
2 
Comprised of other revolving credit and installment financing.
Schedule of Loans Modified in a TDR that Defaulted During the Period, and Within Twelve Months of their Modification Date by Class
The following presents by class, all loans modified in a TDR that defaulted during the three and nine months ended September 30, 2015 and 2014, and within twelve months of their modification date.  A TDR is considered to be in default once it becomes 60 days or more past due following a modification.
 
Three Months Ended
September 30, 2015
 
Three Months Ended
September 30, 2014
TDRs that Defaulted During the Period,
 

 
Recorded

 
Recorded
 
Within Twelve Months of their Modification Date
Number of

 
Investment

 
Number of

 
Investment

(dollars in thousands)
Contracts

 
(as of period end)1

 
Contracts

 
(as of period end)1

Commercial
 
 
 
 
 
 
 
Commercial and Industrial
—

 
$
—

 
1

 
$
22

Total Commercial
—

 
—

 
1

 
22

 
 
 
 
 
 
 
 
Consumer
 
 
 

 
 

 
 

Residential Mortgage
2

 
1,069

 
—

 
—

Automobile
3

 
52

 
5

 
64

Other 2
10

 
56

 
1

 
16

Total Consumer
15

 
1,177


6

 
80

Total
15

 
$
1,177

 
7

 
$
102

 
 
 
 
 
 
 
 
 
Nine Months Ended
September 30, 2015
 
Nine Months Ended
September 30, 2014
TDRs that Defaulted During the Period,
 

 
Recorded

 
Recorded
 
Within Twelve Months of their Modification Date
Number of

 
Investment

 
Number of

 
Investment

(dollars in thousands)
Contracts

 
(as of period end)1

 
Contracts

 
(as of period end)1

Commercial
 
 
 
 
 
 
 
Commercial and Industrial
1

 
$
4,341

 
3

 
$
723

Total Commercial
1

 
4,341

 
3

 
723

 
 
 
 
 
 
 
 
Consumer
 

 
 

 
 

 
 

Residential Mortgage
3

 
1,374

 
2

 
509

Automobile
6

 
108

 
7

 
110

Other 2
19

 
98

 
3

 
27

Total Consumer
28

 
1,580

 
12

 
646

Total
29

 
$
5,921

 
15

 
$
1,369


1 
The period end balances reflect all paydowns and charge-offs since the modification date.  TDRs fully paid-off, charged-off, or foreclosed upon by period end are not included.
2 
Comprised of other revolving credit and installment financing.