Loans and Allowance for Credit Losses (Tables)

6 Months Ended

Jun. 30, 2021

Receivables [Abstract]

Summary of Gross Loans by Type

Net Loans are summarized as follows:

	June 30, 2021		December 31, 2020
	(in thousands)
Real estate - commercial mortgage	$	7,152,932	$	7,105,092
Commercial and industrial (1)	4,985,414		5,670,828
Real-estate - residential mortgage	3,555,897		3,141,915
Real-estate - home equity	1,136,128		1,202,913
Real-estate - construction	1,070,755		1,047,218
Consumer	448,433		466,772
Equipment lease financing and other	254,550		284,377
Overdrafts	1,843		4,806
Gross loans	18,605,952		18,923,921
Unearned income	(19,196)		(23,101)
Net Loans	$	18,586,756	$	18,900,820

(1) Includes PPP loans totaling $1.1 billion and $1.6 billion as of June 30, 2021 and December 31, 2020, respectively.

Schedule of Allowance for Credit Losses

The following table presents the components of the ACL:

	June 30, 2021		December 31, 2020
	(in thousands)
ACL - loans	$	255,032	$	277,567
ACL - OBS credit exposure	14,773		14,373
Total ACL	$	269,805	$	291,940

Activity in the Allowance for Credit Losses

The following table presents the activity in the ACL:

	Three months ended June 30				Six months ended June 30
	2021		2020		2021		2020
	(in thousands)
Balance at beginning of period	$	280,259	$	257,471	$	291,940	$	166,209
Impact of adopting CECL on January 1, 2020 (1)	—		—		—		58,348
Loans charged off	(9,522)		(8,047)		(17,724)		(22,050)
Recoveries of loans previously charged off	2,568		3,926		4,589		6,813
Net loans charged off	(6,954)		(4,121)		(13,135)		(15,237)
Provision for credit losses (2)	(3,500)		19,570		(9,000)		63,600
Balance at end of period	$	269,805	$	272,920	$	269,805	$	272,920

(1) Includes $12.6 million of reserves for OBS credit exposures as of January 1, 2020.

(2) Includes $500,000 and $(2.6) million related to OBS credit exposures for the three months ended June 30, 2021 and 2020, respectively, and includes $400,000 and $1.2 million related to OBS credit exposure for the six months ended June 30, 2021 and 2020, respectively.

The following table presents the activity in the ACL - loans by portfolio segment:

	Real Estate - Commercial Mortgage		Commercial and Industrial		Real Estate - Home Equity		Real Estate - Residential Mortgage		Real Estate  - Construction		Consumer		Equipment lease financing, other and overdrafts		Total
	(in thousands)
Three months ended June 30, 2021
Balance at March 31, 2021	$	100,976	$	71,194	$	13,730	$	49,995	$	15,079	$	9,412	$	5,600	$	265,986
Loans charged off	(6,506)		(954)		(212)		(496)		—		(918)		(436)		(9,522)
Recoveries of loans previously charged off	729		693		58		105		254		576		153		2,568
Net loans recovered (charged off)	(5,777)		(261)		(154)		(391)		254		(342)		(283)		(6,954)
Provision for loan losses (1)	182		(5,529)		(983)		4,584		(2,679)		331		94		(4,000)
Balance at June 30, 2021	$	95,381	$	65,404	$	12,593	$	54,188	$	12,654	$	9,401	$	5,411	$	255,032
Three months ended June 30, 2020
Balance at March 31, 2020	$	90,319	$	63,606	$	15,253	$	42,427	$	8,398	$	9,865	$	8,640	$	238,508
Loans charged off	(2,324)		(3,480)		(458)		(235)		(17)		(845)		(688)		(8,047)
Recoveries of loans previously charged off	95		2,978		44		112		—		605		92		3,926
Net loans recovered (charged off)	(2,229)		(502)		(414)		(123)		(17)		(240)		(596)		(4,121)
Provision for loan and lease losses (1)	14,605		(1,657)		1,552		4,139		3,933		674		(1,096)		22,150
Balance at June 30, 2020	$	102,695	$	61,447	$	16,391	$	46,443	$	12,314	$	10,299	$	6,948	$	256,537
Six months ended June 30, 2021
Balance at December 31, 2020	$	103,425	$	74,771	$	14,232	$	51,995	$	15,608	$	10,905	$	6,631	$	277,567
Loans charged off	(8,343)		(5,273)		(424)		(688)		(39)		(1,553)		(1,404)		(17,724)
Recoveries of loans previously charged off	903		1,462		109		200		638		965		312		4,589
Net loans (charged off) recovered	(7,440)		(3,811)		(315)		(488)		599		(588)		(1,092)		(13,135)
Provision for loan losses (1)	(604)		(5,556)		(1,324)		2,681		(3,553)		(916)		(128)		(9,400)
Balance at June 30, 2021	$	95,381	$	65,404	$	12,593	$	54,188	$	12,654	$	9,401	$	5,411	$	255,032
Six months ended June 30, 2020
Balance at December 31, 2019	$	45,610	$	68,602	$	17,744	$	19,771	$	4,443	$	3,762	$	3,690	$	163,622
Impact of adopting CECL on January 1, 2020	29,361		(18,576)		(65)		21,235		4,015		5,969		3,784		45,723
Loans charged off	(3,179)		(14,379)		(745)		(422)		(17)		(2,087)		(1,221)		(22,050)
Recoveries of loans previously charged off	339		4,712		261		197		70		1,034		200		6,813
Net loans recovered (charged off)	(2,840)		(9,667)		(484)		(225)		53		(1,053)		(1,021)		(15,237)
Provision for loan losses (1)	30,564		21,088		(804)		5,662		3,803		1,621		495		62,429
Balance at June 30, 2020	$	102,695	$	61,447	$	16,391	$	46,443	$	12,314	$	10,299	$	6,948	$	256,537

(1) Provision included in the table only includes the portion related to Net Loans.

Total Impaired Loans by Class Segment

The following table presents total non-accrual loans, by class segment:

	June 30, 2021						December 31, 2021
	With a Related Allowance		Without a Related Allowance		Total		With a Related Allowance		Without a Related Allowance		Total
	(in thousands)
Real estate - commercial mortgage	$	22,516	$	30,912	$	53,428	$	19,909	$	31,561	$	51,470
Commercial and industrial	15,142		18,039		33,181		13,937		18,056		31,993
Real estate - residential mortgage	32,577		2,198		34,775		24,590		1,517		26,107
Real estate - home equity	9,279		—		9,279		9,398		190		9,588
Real estate - construction	173		843		1,016		437		958		1,395
Consumer	287		—		287		332		—		332
Equipment lease financing and other	6,643		9,255		15,898		—		16,313		16,313
	$	86,617	$	61,247	$	147,864	$	68,603	$	68,595	$	137,198

Financing Receivable Credit Quality Indicators

The following table summarizes designated internal risk rating categories by portfolio segment and loan class, by origination year, in the current period:

		June 30, 2021
		Term Loans Amortized Cost Basis by Origination Year												Revolving Loans		Revolving Loans converted to Term Loans
		(dollars in thousands)												Amortized		Amortized
		2021		2020		2019		2018		2017		Prior		Cost Basis		Cost Basis		Total
Real estate - construction(1)
	Pass	$	55,746	$	259,489	$	203,753	$	163,203	$	34,926	$	132,581	$	39,453	$	—	$	889,151
	Special Mention	4,386		—		285		—		—		14,421		—		—		19,092
	Substandard or Lower	—		—		153		—		1,952		1,598		239		—		3,942
	Total real estate - construction	60,132		259,489		204,191		163,203		36,878		148,600		39,692		—		912,185
Real estate - construction(1)
	Current period gross charge-offs	—		—		(39)		—		—		—		—		—		(39)
	Current period recoveries	—		—		39		—		—		599		—		—		638
	Total net (charge-offs) recoveries	—		—		—		—		—		599		—		—		599
Commercial and industrial
	Pass	1,094,643		890,179		474,995		252,445		190,560		659,879		1,127,132		—		4,689,833
	Special Mention	286		12,141		21,656		16,478		9,393		39,229		44,015		—		143,198
	Substandard or Lower	4,933		6,987		15,496		23,258		13,193		41,750		44,881		1,885		152,383
	Total commercial and industrial	1,099,862		909,307		512,147		292,181		213,146		740,858		1,216,028		1,885		4,985,414
Commercial and industrial
	Current period gross charge-offs	—		(50)		(70)		(91)		(130)		(472)		(4,460)		—		(5,273)
	Current period recoveries	—		—		22		249		58		640		493		—		1,462
	Total net (charge-offs) recoveries	—		(50)		(48)		158		(72)		168		(3,967)		—		(3,811)
Real estate - commercial mortgage
	Pass	433,412		953,225		924,009		629,504		749,132		2,622,402		61,387		—		6,373,071
	Special Mention	204		43,125		30,204		93,345		79,800		294,149		841		105		541,773
	Substandard or Lower	—		3,453		24,239		15,881		40,407		151,580		2,491		37		238,088
	Total real estate - commercial mortgage	433,616		999,803		978,452		738,730		869,339		3,068,131		64,719		142		7,152,932
Real estate - commercial mortgage
	Current period gross charge-offs	—		—		—		(25)		(6,603)		(1,517)		(198)		—		(8,343)
	Current period recoveries	—		—		—		—		—		903		—		—		903
	Total net (charge-offs) recoveries	—		—		—		(25)		(6,603)		(614)		(198)		—		(7,440)
Total
	Pass	$	1,583,801	$	2,102,893	$	1,602,757	$	1,045,152	$	974,618	$	3,414,862	$	1,227,972	$	—	$	11,952,055
	Special Mention	4,876		55,266		52,145		109,823		89,193		347,799		44,856		105		704,063
	Substandard or Lower	4,933		10,440		39,888		39,139		55,552		194,928		47,611		1,922		394,413
	Total	$	1,593,610	$	2,168,599	$	1,694,790	$	1,194,114	$	1,119,363	$	3,957,589	$	1,320,439	$	2,027	$	13,050,531

(1) Excludes real estate - construction - other.

The Corporation does not assign internal risk ratings to smaller balance, homogeneous loans, such as home equity, residential mortgage, construction loans to individuals secured by residential real estate, consumer and equipment lease financing. For these loans, the most relevant credit quality indicator is delinquency status. The migration of loans through the various delinquency status categories is a significant component of the ACL methodology for those loans, which bases the PD on this migration.

The following table summarizes designated internal risk rating categories by portfolio segment and loan class, by origination year, in the prior period:

		December 31, 2020
		Term Loans Amortized Cost Basis by Origination Year												Revolving Loans		Revolving Loans converted to Term Loans
		(dollars in thousands)												Amortized		Amortized
		2020		2019		2018		2017		2016		Prior		Cost Basis		Cost Basis		Total
Real estate - construction(1)
	Pass	$	185,883	$	229,097	$	217,604	$	81,086	$	37,976	$	110,470	$	38,026	$	—	$	900,142
	Special Mention	—		—		—		—		7,047		6,212		—		—		13,259
	Substandard or Lower	—		447		—		2,000		753		1,637		632		—		5,469
	Total real estate - construction	185,883		229,544		217,604		83,086		45,776		118,319		38,658		—		918,870
Real estate - construction(1)
	Current period gross charge-offs	—		—		—		—		—		(17)		—		—		(17)
	Current period recoveries	—		—		—		—		68		5,054		—		—		5,122
	Total net (charge-offs) recoveries	—		—		—		—		68		5,037		—		—		5,105
Commercial and industrial
	Pass	2,283,533		508,541		298,567		214,089		208,549		596,646		1,278,689		—		5,388,614
	Special Mention	6,633		23,834		29,167		10,945		11,506		25,960		45,994		—		154,039
	Substandard or Lower	3,221		5,947		8,434		11,251		11,192		23,852		64,278		—		128,175
	Total commercial and industrial	2,293,387		538,322		336,168		236,285		231,247		646,458		1,388,961		—		5,670,828
Commercial and industrial
	Current period gross charge-offs	—		(114)		(30)		(488)		(393)		(520)		(17,370)		—		(18,915)
	Current period recoveries	—		43		486		216		162		4,531		5,958		—		11,396
	Total net (charge-offs) recoveries	—		(71)		456		(272)		(231)		4,011		(11,412)		—		(7,519)
Real estate - commercial mortgage
	Pass	973,664		917,510		708,946		794,955		783,094		2,213,343		53,041		404		6,444,957
	Special Mention	13,639		40,874		84,047		80,705		89,112		167,424		2,364		—		478,165
	Substandard or Lower	1,238		6,681		6,247		39,027		22,605		103,007		2,225		940		181,970
	Total real estate - commercial mortgage	988,541		965,065		799,240		914,687		894,811		2,483,774		57,630		1,344		7,105,092
Real estate - commercial mortgage
	Current period gross charge-offs	(60)		(21)		(36)		(2,515)		(29)		(1,547)		(17)		—		(4,225)
	Current period recoveries	—		6		—		—		1		1,020		—		—		1,027
	Total net (charge-offs) recoveries	(60)		(15)		(36)		(2,515)		(28)		(527)		(17)		—		(3,198)
Total
	Pass	$	3,443,080	$	1,655,148	$	1,225,117	$	1,090,130	$	1,029,619	$	2,920,459	$	1,369,756	$	404	$	12,733,713
	Special Mention	20,272		64,708		113,214		91,650		107,665		199,596		48,358		—		645,463
	Substandard or Lower	4,459		13,075		14,681		52,278		34,550		128,496		67,135		940		315,614
	Total	$	3,467,811	$	1,732,931	$	1,353,012	$	1,234,058	$	1,171,834	$	3,248,551	$	1,485,249	$	1,344	$	13,694,790

(1) Excludes real estate - construction - other.

The following tables present the amortized cost of these loans based on payment activity, by origination year, for the periods shown:

		June 30, 2021
		Term Loans Amortized Cost Basis by Origination Year												Revolving Loans		Revolving Loans converted to Term Loans
		(dollars in thousands)												Amortized		Amortized
		2021		2020		2019		2018		2017		Prior		Cost Basis		Cost Basis		Total
Real estate - home equity
	Performing	$	14,248	$	27,159	$	7,757	$	11,063	$	8,898	$	112,798	$	940,727	$	2,502	$	1,125,152
	Nonperforming	—		—		—		23		233		2,489		8,231		—		10,976
	Total real estate - home equity	14,248		27,159		7,757		11,086		9,131		115,287		948,958		2,502		1,136,128
Real estate - home equity
	Current period gross charge-offs	—		—		(41)		—		—		(171)		(212)		—		(424)
	Current period recoveries	—		—		—		—		—		58		51		—		109
	Total net (charge-offs) recoveries	—		—		(41)		—		—		(113)		(161)		—		(315)
Real estate - residential mortgage
	Performing	916,128		1,203,025		435,125		148,034		251,748		563,509		—		—		3,517,569
	Nonperforming	—		6,259		2,412		3,232		2,934		23,491		—		—		38,328
	Total real estate - residential mortgage	916,128		1,209,284		437,537		151,266		254,682		587,000		—		—		3,555,897
Real estate - residential mortgage
	Current period gross charge-offs	—		(49)		(143)		(125)		(4)		(367)		—		—		(688)
	Current period recoveries	—		—		—		12		—		96		92		—		200
	Total net (charge-offs) recoveries	—		(49)		(143)		(113)		(4)		(271)		92		—		(488)
Consumer
	Performing	62,507		95,909		81,669		75,781		33,021		51,329		47,785		—		448,001
	Nonperforming	—		150		24		74		34		102		48		—		432
	Total consumer	62,507		96,059		81,693		75,855		33,055		51,431		47,833		—		448,433
Consumer
	Current period gross charge-offs	(12)		(208)		(225)		(154)		(172)		(157)		(625)		—		(1,553)
	Current period recoveries	—		87		85		52		43		523		175		—		965
	Total net (charge-offs) recoveries	(12)		(121)		(140)		(102)		(129)		366		(450)		—		(588)
Equipment lease financing and other
	Performing	31,408		70,990		55,764		41,562		26,647		14,115		—		—		240,486
	Nonperforming	—		—		157		—		15,750		—		—		—		15,907
	Total leasing and other	31,408		70,990		55,921		41,562		42,397		14,115		—		—		256,393
Equipment lease financing and other
	Current period gross charge-offs	(128)		(1,276)		—		—		—		—		—		—		(1,404)
	Current period recoveries	—		239		58		6		5		4		—		—		312
	Total net (charge-offs) recoveries	(128)		(1,037)		58		6		5		4		—		—		(1,092)
Construction - other
	Performing	52,082		94,302		7,085		4,912		—		16		—		—		158,397
	Nonperforming	—		—		—		—		173		—		—		—		173
	Total construction - other	52,082		94,302		7,085		4,912		173		16		—		—		158,570
Construction - other
	Current period gross charge-offs	—		—		—		—		—		—		—		—		—
	Current period recoveries	—		—		—		—		—		—		—		—		—
	Total net (charge-offs) recoveries	—		—		—		—		—		—		—		—		—
Total
	Performing	$	1,076,373	$	1,491,385	$	587,400	$	281,352	$	320,314	$	741,767	$	988,512	$	2,502	$	5,489,605
	Nonperforming	—		6,409		2,593		3,329		19,124		26,082		8,279		—		65,816
	Total	$	1,076,373	$	1,497,794	$	589,993	$	284,681	$	339,438	$	767,849	$	996,791	$	2,502	$	5,555,421

		December 31, 2020
		Term Loans Amortized Cost Basis by Origination Year												Revolving Loans		Revolving Loans converted to Term Loans
		(dollars in thousands)												Amortized		Amortized
		2020		2019		2018		2017		2016		Prior		Cost Basis		Cost Basis		Total
Real estate - home equity
	Performing	$	31,445	$	8,176	$	13,906	$	11,024	$	11,667	$	126,749	$	982,285	$	5,321	$	1,190,573
	Nonperforming	—		88		23		233		221		2,290		9,485		—		12,340
	Total real estate - home equity	31,445		8,264		13,929		11,257		11,888		129,039		991,770		5,321		1,202,913
Real estate - home equity
	Current period gross charge-offs	—		—		—		—		—		(34)		(1,159)		—		(1,193)
	Current period recoveries	—		—		—		—		—		138		366		—		504
	Total net (charge-offs) recoveries	—		—		—		—		—		104		(793)		—		(689)
Real estate - residential mortgage
	Performing	1,255,532		585,878		228,398		341,563		264,990		434,889		—		—		3,111,250
	Nonperforming	217		2,483		3,177		2,483		722		21,583		—		—		30,665
	Total real estate - residential mortgage	1,255,749		588,361		231,575		344,046		265,712		456,472		—		—		3,141,915
Real estate - residential mortgage
	Current period gross charge-offs	—		(68)		(101)		(190)		(7)		(254)		—		—		(620)
	Current period recoveries	—		68		16		1		1		405		—		—		491
	Total net (charge-offs) recoveries	—		—		(85)		(189)		(6)		151		—		—		(129)
Consumer
	Performing	114,399		98,587		95,072		43,334		25,804		36,086		52,698		42		466,022
	Nonperforming	168		19		124		141		114		150		34		—		750
	Total consumer	114,567		98,606		95,196		43,475		25,918		36,236		52,732		42		466,772
Consumer
	Current period gross charge-offs	(134)		(542)		(524)		(444)		(489)		(769)		(498)		—		(3,400)
	Current period recoveries	—		64		165		159		94		101		1,292		—		1,875
	Total net (charge-offs) recoveries	(134)		(478)		(359)		(285)		(395)		(668)		794		—		(1,525)
Equipment lease financing and other
	Performing	102,324		65,303		49,453		34,995		15,631		5,040		—		—		272,746
	Nonperforming	—		—		30		15,983		142		282		—		—		16,437
	Total leasing and other	102,324		65,303		49,483		50,978		15,773		5,322		—		—		289,183
Equipment lease financing and other
	Current period gross charge-offs	(606)		(1,581)		—		—		—		—		—		—		(2,187)
	Current period recoveries	185		349		21		18		11		21		—		—		605
	Total net (charge-offs) recoveries	(421)		(1,232)		21		18		11		21		—		—		(1,582)
Construction - other
	Performing	96,444		24,888		6,822		—		16		—		—		—		128,170
	Nonperforming	—		—		—		178		—		—		—		—		178
	Total construction - other	96,444		24,888		6,822		178		16		—		—		—		128,348
Construction - other
	Current period gross charge-offs	—		—		—		—		—		—		—		—		—
	Current period recoveries	—		—		—		—		—		—		—		—		—
	Total net (charge-offs) recoveries	—		—		—		—		—		—		—		—		—
Total
	Performing	$	1,600,144	$	782,832	$	393,651	$	430,916	$	318,108	$	602,764	$	1,034,983	$	5,363	$	5,168,761
	Nonperforming	385		2,590		3,354		19,018		1,199		24,305		9,519		—		60,370
	Total	$	1,600,529	$	785,422	$	397,005	$	449,934	$	319,307	$	627,069	$	1,044,502	$	5,363	$	5,229,131

Non-Performing Assets

The following table presents non-performing assets:

	June 30, 2021		December 31, 2020
	(in thousands)
Non-accrual loans	$	147,864	$	137,198
Loans 90 days or more past due and still accruing	5,865		9,929
Total non-performing loans	153,729		147,127
OREO (1)	2,779		4,178
Total non-performing assets	$	156,508	$	151,305

(1) Excludes $7.4 million and $8.1 million of residential mortgage properties for which formal foreclosure proceedings were in process as of June 30, 2021 and December 31, 2020, respectively.

Past due Loan Status and Non-Accrual Loans by Portfolio Segment

The following tables present the aging of the amortized cost basis of loans, by class segment:

	30-59		60-89		≥ 90 Days
	Days Past		Days Past		Past Due		Non-
	Due		Due		and Accruing		Accrual		Current		Total
	(in thousands)
June 30, 2021
Real estate – commercial mortgage	$	5,341	$	40	$	265	$	53,428	$	7,093,858	$	7,152,932
Commercial and industrial	7,136		1,406		171		33,181		4,943,520		4,985,414
Real estate – residential mortgage	13,753		611		3,398		34,775		3,503,360		3,555,897
Real estate – home equity	2,883		774		1,698		9,279		1,121,494		1,136,128
Real estate – construction	666		—		—		1,016		1,069,073		1,070,755
Consumer	1,935		456		144		287		445,611		448,433
Equipment lease financing and other	33		257		189		15,898		220,820		237,197
Total	$	31,747	$	3,544	$	5,865	$	147,864	$	18,397,736	$	18,586,756

	30-59 Days Past Due		60-89 Days Past Due		≥ 90 Days Past Due and Accruing		Non- accrual		Current		Total
	(in thousands)
December 31, 2020
Real estate – commercial mortgage	$	14,999	$	9,273	$	1,177	$	51,470	$	7,028,173	$	7,105,092
Commercial and industrial	11,285		1,068		616		31,993		5,625,866		5,670,828
Real estate – residential mortgage	22,281		7,675		4,687		26,107		3,081,165		3,141,915
Real estate – home equity	5,622		1,654		2,753		9,588		1,183,296		1,202,913
Real estate – construction	1,938		—		155		1,395		1,043,730		1,047,218
Consumer	3,036		501		417		332		462,486		466,772
Equipment lease financing and other	838		150		124		16,313		248,657		266,082
Total	$	59,999	$	20,321	$	9,929	$	137,198	$	18,673,373	$	18,900,820

Troubled Debt Restructurings on Financing Receivables

The following table presents TDRs, by class segment:

	June 30, 2021		December 31, 2020
	(in thousands)
Real estate - commercial mortgage	$	14,651	$	28,451
Commercial and industrial	6,765		6,982
Real estate - residential mortgage	16,861		18,602
Real estate - home equity	13,566		14,391
Real estate - construction	153		—
Consumer	4		—
Total accruing TDRs	52,000		68,426
Non-accrual TDRs (1)	60,504		35,755
Total TDRs	$	112,504	$	104,181

(1)Included in non-accrual loans in the preceding table detailing non-performing assets.

Loan Terms Modified Under Troubled Debt Restructurings

The following table presents TDRs, by class segment, for loans that were modified during the three and six months ended June 30, 2021 and 2020:

	Three months ended June 30						Six months ended June 30
	2021			2020			2021			2020
	Number of Loans	Recorded Investment		Number of Loans	Recorded Investment		Number of Loans	Recorded Investment		Number of Loans	Recorded Investment
	(dollars in thousands)
Commercial and industrial	—	$	—	13	$	1,304	4	$	1,894	14	$	1,378
Real estate - commercial mortgage	3	2,729		6	16,082		5	6,891		7	16,474
Real estate - residential mortgage	14	3,101		33	8,505		37	10,728		40	9,165
Real estate - home equity	11	598		19	1,609		16	746		27	2,186
Real estate - construction	—	—		—	—		1	154		—	—
Consumer	—	—		8	185		—	—		8	185
Total	28	$	6,428	79	$	27,685	63	$	20,413	96	$	29,388