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Past Due Loans, Allowances For Credit Losses, Impaired Loans, and TDRs (Tables)
 12 Months Ended
Dec. 31, 2014
Receivables [Abstract]  
Past Due Financing Receivables
The following table presents an aging analysis of the Company's past due loans as of December 31, 2014 and 2013. The aging is determined without regard to accrual status. The table also presents non-performing loans, consisting of non-accrual loans (the majority of which are past due) and loans 90 days or more past due and still accruing interest, as of each balance sheet date.
Aging Analysis of Past Due Loans and Non-Performing Loans by Class
(Dollar amounts in thousands)
 
 
Aging Analysis (Accruing and Non-accrual)
 
 
Non-performing Loans
 
 
Current
 
30-89 Days
Past Due
 
90 Days or
More Past
Due
 
Total
Past Due
 
Total
Loans
 
 
Non-accrual
Loans
 
90 Days Past Due Loans, Still Accruing Interest
As of December 31, 2014
 
 

 
 

 
 

 
 

 
 

 
 
 

 
 

Commercial and industrial
 
$
2,230,947

 
$
19,505

 
$
3,104

 
$
22,609

 
$
2,253,556

 
 
$
22,693

 
$
205

Agricultural
 
355,982

 
1,934

 
333

 
2,267

 
358,249

 
 
360

 
—

Commercial real estate:
 
 

 
 

 
 

 
 

 
 

 
 
 

 
 

Office, retail, and industrial
 
1,463,724

 
2,340

 
12,315

 
14,655

 
1,478,379

 
 
12,939

 
76

Multi-family
 
562,625

 
1,261

 
535

 
1,796

 
564,421

 
 
754

 
83

Construction
 
197,255

 
—

 
6,981

 
6,981

 
204,236

 
 
6,981

 
—

Other commercial real estate
 
876,609

 
5,412

 
5,876

 
11,288

 
887,897

 
 
6,970

 
438

Total commercial real
  estate
 
3,100,213

 
9,013

 
25,707

 
34,720

 
3,134,933

 
 
27,644

 
597

Total corporate loans
 
5,687,142

 
30,452

 
29,144

 
59,596

 
5,746,738

 
 
50,697

 
802

Home equity
 
535,587

 
3,216

 
4,382

 
7,598

 
543,185

 
 
6,290

 
145

1-4 family mortgages
 
287,892

 
2,246

 
1,325

 
3,571

 
291,463

 
 
2,941

 
166

Installment
 
75,428

 
506

 
98

 
604

 
76,032

 
 
43

 
60

Total consumer loans
 
898,907

 
5,968

 
5,805

 
11,773

 
910,680

 
 
9,274

 
371

Total loans, excluding
  covered loans
 
6,586,049

 
36,420

 
34,949

 
71,369

 
6,657,418

 
 
59,971

 
1,173

Covered loans
 
66,331

 
2,714

 
10,390

 
13,104

 
79,435

 
 
6,186

 
5,002

Total loans
 
$
6,652,380

 
$
39,134

 
$
45,339

 
$
84,473

 
$
6,736,853

 
 
$
66,157

 
$
6,175

As of December 31, 2013
 
 

 
 

 
 

 
 

 
 

 
 
 

 
 

Commercial and industrial
 
$
1,814,660

 
$
6,872

 
$
9,106

 
$
15,978

 
$
1,830,638

 
 
$
11,767

 
$
393

Agricultural
 
321,156

 
134

 
412

 
546

 
321,702

 
 
519

 
—

Commercial real estate:
 
 

 
 

 
 

 
 

 
 

 
 
 

 
 

Office, retail, and industrial
 
1,335,027

 
2,620

 
16,038

 
18,658

 
1,353,685

 
 
17,076

 
1,315

Multi-family
 
330,960

 
318

 
1,595

 
1,913

 
332,873

 
 
1,848

 
—

Construction
 
180,083

 
23

 
6,091

 
6,114

 
186,197

 
 
6,297

 
—

Other commercial real estate
 
795,462

 
5,365

 
6,244

 
11,609

 
807,071

 
 
8,153

 
258

Total commercial real
  estate
 
2,641,532

 
8,326

 
29,968

 
38,294

 
2,679,826

 
 
33,374

 
1,573

Total corporate loans
 
4,777,348

 
15,332

 
39,486

 
54,818

 
4,832,166

 
 
45,660

 
1,966

Home equity
 
415,791

 
4,830

 
6,399

 
11,229

 
427,020

 
 
6,864

 
1,102

1-4 family mortgages
 
268,912

 
2,046

 
5,034

 
7,080

 
275,992

 
 
5,198

 
548

Installment
 
42,350

 
330

 
2,147

 
2,477

 
44,827

 
 
2,076

 
92

Total consumer loans
 
727,053

 
7,206

 
13,580

 
20,786

 
747,839

 
 
14,138

 
1,742

Total loans, excluding
  covered loans
 
5,504,401

 
22,538

 
53,066

 
75,604

 
5,580,005

 
 
59,798

 
3,708

Covered loans
 
94,211

 
2,232

 
37,912

 
40,144

 
134,355

 
 
20,942

 
18,081

Total loans
 
$
5,598,612

 
$
24,770

 
$
90,978

 
$
115,748

 
$
5,714,360

 
 
$
80,740

 
$
21,789
Allowance For Credit Losses On Financing Receivables by Segment
A rollforward of the allowance for credit losses by portfolio segment for the years ended December 31, 2014, 2013, and 2012 is presented in the table below.
Allowance for Credit Losses by Portfolio Segment
(Dollar amounts in thousands)
 
 
Commercial, Industrial, and Agricultural
 
Office, Retail, and Industrial
 
Multi-family
 
Construction
 
Other Commercial Real Estate
 
Consumer
 
Covered Loans
 
Reserve for Unfunded Commitments
 
Total Allowance
As of December 31, 2014
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Beginning balance
 
$
30,381

 
$
10,405

 
$
2,017

 
$
6,316

 
$
10,817

 
$
13,010

 
$
12,559

 
$
1,616

 
$
87,121

Charge-offs
 
(17,424
)
 
(7,345
)
 
(943
)
 
(1,052
)
 
(4,834
)
 
(7,574
)
 
(1,012
)
 
—

 
(40,184
)
Recoveries
 
3,800

 
497

 
87

 
166

 
1,727

 
729

 
1,199

 
—

 
8,205

Net charge-offs
 
(13,624
)
 
(6,848
)
 
(856
)
 
(886
)
 
(3,107
)
 
(6,845
)
 
187

 
—

 
(31,979
)
Provision for loan
and covered loan
losses and other
 
12,701

 
7,435

 
1,088

 
(3,133
)
 
617

 
5,980

 
(5,520
)
 
200

 
19,368

Ending Balance
 
$
29,458

 
$
10,992

 
$
2,249

 
$
2,297

 
$
8,327

 
$
12,145

 
$
7,226

 
$
1,816

 
$
74,510

As of December 31, 2013
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Beginning balance
 
$
36,761

 
$
11,432

 
$
3,575

 
$
9,223

 
$
13,531

 
$
12,862

 
$
12,062

 
$
3,366

 
$
102,812

Charge-offs
 
(12,094
)
 
(4,744
)
 
(1,029
)
 
(1,916
)
 
(4,784
)
 
(9,414
)
 
(4,599
)
 
—

 
(38,580
)
Recoveries
 
3,797

 
228

 
584

 
1,032

 
1,646

 
1,071

 
24

 
—

 
8,382

Net charge-offs
 
(8,297
)
 
(4,516
)
 
(445
)
 
(884
)
 
(3,138
)
 
(8,343
)
 
(4,575
)
 
—

 
(30,198
)
Provision for loan
and covered loan
losses and other
 
1,917

 
3,489

 
(1,113
)
 
(2,023
)
 
424

 
8,491

 
5,072

 
(1,750
)
 
14,507

Ending balance
 
$
30,381

 
$
10,405

 
$
2,017

 
$
6,316

 
$
10,817

 
$
13,010

 
$
12,559

 
$
1,616

 
$
87,121

As of December 31, 2012
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Beginning balance
 
$
46,017

 
$
16,012

 
$
5,067

 
$
17,795

 
$
19,451

 
$
14,131

 
$
989

 
$
2,500

 
$
121,962

Charge-offs
 
(64,668
)
 
(34,968
)
 
(3,361
)
 
(27,811
)
 
(36,474
)
 
(10,910
)
 
(4,615
)
 
—

 
(182,807
)
Recoveries
 
3,393

 
577

 
275

 
451

 
125

 
784

 
—

 
—

 
5,605

Net charge-offs
 
(61,275
)
 
(34,391
)
 
(3,086
)
 
(27,360
)
 
(36,349
)
 
(10,126
)
 
(4,615
)
 
—

 
(177,202
)
Provision for loan
and covered loan
losses and other
 
52,019

 
29,811

 
1,594

 
18,788

 
30,429

 
8,857

 
15,688

 
866

 
158,052

Ending balance
 
$
36,761

 
$
11,432

 
$
3,575

 
$
9,223

 
$
13,531

 
$
12,862

 
$
12,062

 
$
3,366

 
$
102,812
Schedule of Loans and The Related Allowance for Credit Losses
The table below provides a breakdown of loans and the related allowance for credit losses by portfolio segment.
Loans and Related Allowance for Credit Losses by Portfolio Segment
(Dollar amounts in thousands)
 
 
Loans
 
Allowance for Credit Losses
 
 
Individually
Evaluated for
Impairment
 
Collectively
Evaluated for
Impairment
 
PCI
 
Total
 
Individually
Evaluated for
Impairment
 
Collectively
Evaluated for
Impairment
 
PCI
 
Total
As of December 31, 2014
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Commercial, industrial, and
  agricultural
 
$
19,796

 
$
2,588,141

 
$
3,868

 
$
2,611,805

 
$
2,249

 
$
27,209

 
$
—

 
$
29,458

Commercial real estate:
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Office, retail, and industrial
 
12,332

 
1,458,918

 
7,129

 
1,478,379

 
271

 
10,721

 
—

 
10,992

Multi-family
 
939

 
561,400

 
2,082

 
564,421

 
—

 
2,249

 
—

 
2,249

Construction
 
6,671

 
195,094

 
2,471

 
204,236

 
—

 
2,297

 
—

 
2,297

Other commercial real estate
 
3,266

 
880,087

 
4,544

 
887,897

 
11

 
8,316

 
—

 
8,327

Total commercial
real estate
 
23,208

 
3,095,499

 
16,226

 
3,134,933

 
282

 
23,583

 
—

 
23,865

Total corporate loans
 
43,004

 
5,683,640

 
20,094

 
5,746,738

 
2,531

 
50,792

 
—

 
53,323

Consumer
 
—

 
902,062

 
8,618

 
910,680

 
—

 
11,822

 
323

 
12,145

Total loans, excluding
covered loans
 
43,004

 
6,585,702

 
28,712

 
6,657,418

 
2,531

 
62,614

 
323

 
65,468

Covered loans
 
—

 
24,753

 
54,682

 
79,435

 
—

 
488

 
6,738

 
7,226

Reserve for unfunded
commitments
 
—

 
—

 
—

 
—

 
—

 
1,816

 
—

 
1,816

Total loans
 
$
43,004

 
$
6,610,455

 
$
83,394

 
$
6,736,853

 
$
2,531

 
$
64,918

 
$
7,061

 
$
74,510

As of December 31, 2013
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Commercial, industrial, and
  agricultural
 
$
13,178

 
$
2,137,440

 
$
1,722

 
$
2,152,340

 
$
4,046

 
$
26,335

 
$
—

 
$
30,381

Commercial real estate:
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Office, retail, and industrial
 
26,348

 
1,327,337

 
—

 
1,353,685

 
214

 
10,191

 
—

 
10,405

Multi-family
 
1,296

 
331,445

 
132

 
332,873

 
18

 
1,999

 
—

 
2,017

Construction
 
5,712

 
180,485

 
—

 
186,197

 
178

 
6,138

 
—

 
6,316

Other commercial real estate
 
9,298

 
793,703

 
4,070

 
807,071

 
704

 
10,113

 
—

 
10,817

Total commercial
real estate
 
42,654

 
2,632,970

 
4,202

 
2,679,826

 
1,114

 
28,441

 
—

 
29,555

Total corporate loans
 
55,832

 
4,770,410

 
5,924

 
4,832,166

 
5,160

 
54,776

 
—

 
59,936

Consumer
 
—

 
738,155

 
9,684

 
747,839

 
—

 
13,010

 
—

 
13,010

Total loans, excluding
covered loans
 
55,832

 
5,508,565

 
15,608

 
5,580,005

 
5,160

 
67,786

 
—

 
72,946

Covered loans
 
—

 
30,830

 
103,525

 
134,355

 
—

 
702

 
11,857

 
12,559

Reserve for unfunded
commitments
 
—

 
—

 
—

 
—

 
—

 
1,616

 
—

 
1,616

Total loans
 
$
55,832

 
$
5,539,395

 
$
119,133

 
$
5,714,360

 
$
5,160

 
$
70,104

 
$
11,857

 
$
87,121
Impaired Financing Receivable
The following table presents loans individually evaluated for impairment by class of loan as of December 31, 2014 and 2013. PCI loans are excluded from this disclosure.
Impaired Loans Individually Evaluated by Class
(Dollar amounts in thousands)
 
 
As of December 31,
 
 
2014
 
 
2013
 
 
Recorded Investment In
 
 
 
 
 
 
Recorded Investment In
 
 
 
 
 
 
Loans with
 No Specific
Reserve
 
Loans
 with
a Specific
Reserve
 
Unpaid
Principal
Balance
 
Specific
Reserve
 
 
Loans with
No
 Specific
Reserve
 
Loans
 with
a Specific
Reserve
 
Unpaid
Principal
Balance
 
Specific
Reserve
Commercial and industrial
 
$
666

 
$
19,130

 
$
35,457

 
$
2,249

 
 
$
10,047

 
$
3,131

 
$
25,887

 
$
4,046

Agricultural
 
—

 
—

 
—

 
—

 
 
—

 
—

 
—

 
—

Commercial real estate:
 
 

 
 

 
 

 
 

 
 
 

 
 

 
 

 
 

Office, retail, and industrial
 
9,623

 
2,709

 
18,340

 
271

 
 
23,872

 
2,476

 
35,868

 
214

Multi-family
 
939

 
—

 
1,024

 
—

 
 
1,098

 
198

 
1,621

 
18

Construction
 
6,671

 
—

 
7,731

 
—

 
 
4,586

 
1,126

 
10,037

 
178

Other commercial real estate
 
2,752

 
514

 
4,490

 
11

 
 
7,553

 
1,745

 
11,335

 
704

Total commercial real
  estate
 
19,985

 
3,223

 
31,585

 
282

 
 
37,109

 
5,545

 
58,861

 
1,114

Total impaired loans
individually evaluated
  for impairment
 
$
20,651

 
$
22,353

 
$
67,042

 
$
2,531

 
 
$
47,156

 
$
8,676

 
$
84,748

 
$
5,160
Impaired Financing Receivables Continued
The following table presents the average recorded investment and interest income recognized on impaired loans by class for the years ended December 31, 2014, 2013, and 2012. PCI loans are excluded from this disclosure.
Average Recorded Investment and Interest Income Recognized on Impaired Loans by Class
(Dollar amounts in thousands)
 
 
Years Ended December 31,
 
 
2014
 
2013
 
2012
 
 
Average
Recorded
Balance
 
Interest
Income
Recognized (1)
 
Average
Recorded
Balance
 
Interest
Income
Recognized (1)
 
Average
Recorded
Balance
 
Interest
Income
Recognized (1)
Commercial and industrial
 
$
16,137

 
$
371

 
$
20,925

 
$
205

 
$
45,101

 
$
94

Agricultural
 
—

 
—

 
—

 
—

 
1,138

 
—

Commercial real estate:
 
 

 
 

 
 

 
 

 
 

 
 

Office, retail, and industrial
 
19,003

 
245

 
24,802

 
18

 
32,439

 
2

Multi-family
 
1,245

 
5

 
1,116

 
8

 
6,226

 
—

Construction
 
5,764

 
—

 
5,932

 
—

 
31,202

 
1

Other commercial real estate
 
6,014

 
138

 
13,141

 
31

 
35,715

 
38

Total commercial real estate
 
32,026

 
388

 
44,991

 
57

 
105,582

 
41

Total impaired loans
 
$
48,163

 
$
759

 
$
65,916

 
$
262

 
$
151,821

 
$
135


(1) 
Recorded using the cash basis of accounting.
Financing Receivable Credit Quality Indicators
The following tables present credit quality indicators by class for corporate and consumer loans, excluding covered loans, as of December 31, 2014 and 2013.
Corporate Credit Quality Indicators by Class, Excluding Covered Loans
(Dollar amounts in thousands)
 
 
Pass
 
Special
Mention (1)(4)
 
Substandard (2)(4)
 
Non-Accrual (3)
 
Total
As of December 31, 2014
 
 
 
 
 
 
 
 
 
 
Commercial and industrial
 
$
2,115,170

 
$
84,615

 
$
31,078

 
$
22,693

 
$
2,253,556

Agricultural
 
357,595

 
294

 
—

 
360

 
358,249

Commercial real estate:
 
 
 
 
 
 
 
 
 
 
Office, retail, and industrial
 
1,393,885

 
38,891

 
32,664

 
12,939

 
1,478,379

Multi-family
 
553,255

 
6,363

 
4,049

 
754

 
564,421

Construction
 
178,992

 
5,776

 
12,487

 
6,981

 
204,236

Other commercial real estate
 
829,003

 
32,517

 
19,407

 
6,970

 
887,897

Total commercial real estate
 
2,955,135

 
83,547

 
68,607

 
27,644

 
3,134,933

Total corporate loans
 
$
5,427,900

 
$
168,456

 
$
99,685

 
$
50,697

 
$
5,746,738

As of December 31, 2013
 
 
 
 
 
 
 
 
 
 
Commercial and industrial
 
$
1,780,194

 
$
23,806

 
$
14,871

 
$
11,767

 
$
1,830,638

Agricultural
 
320,839

 
344

 
—

 
519

 
321,702

Commercial real estate:
 
 
 
 
 
 
 
 
 
 
Office, retail, and industrial
 
1,284,394

 
28,677

 
23,538

 
17,076

 
1,353,685

Multi-family
 
326,901

 
3,214

 
910

 
1,848

 
332,873

Construction
 
153,949

 
8,309

 
17,642

 
6,297

 
186,197

Other commercial real estate
 
761,465

 
14,877

 
22,576

 
8,153

 
807,071

Total commercial real estate
 
2,526,709

 
55,077

 
64,666

 
33,374

 
2,679,826

Total corporate loans
 
$
4,627,742

 
$
79,227

 
$
79,537

 
$
45,660

 
$
4,832,166


(1) 
Loans categorized as special mention exhibit potential weaknesses that require the close attention of management since these potential weaknesses may result in the deterioration of repayment prospects in the future.
(2) 
Loans categorized as substandard exhibit a well-defined weakness or weaknesses that may jeopardize the liquidation of the debt. These loans continue to accrue interest because they are well secured and collection of principal and interest is expected within a reasonable time.
(3) 
Loans categorized as non-accrual exhibit a well-defined weakness or weaknesses that may jeopardize the liquidation of the debt or result in a loss if the deficiencies are not corrected.
(4) 
Total special mention and substandard loans includes accruing TDRs of $1.8 million as of December 31, 2014 and $2.8 million as of December 31, 2013.
Financing Receivable Credit Quality Indicators Continued
Consumer Credit Quality Indicators by Class, Excluding Covered Loans
(Dollar amounts in thousands)
 
 
Performing
 
Non-accrual
 
Total
As of December 31, 2014
 
 
 
 
 
 
Home equity
 
$
536,895

 
$
6,290

 
$
543,185

1-4 family mortgages
 
288,522

 
2,941

 
291,463

Installment
 
75,989

 
43

 
76,032

Total consumer loans
 
$
901,406

 
$
9,274

 
$
910,680

As of December 31, 2013
 
 
 
 
 
 
Home equity
 
$
420,156

 
$
6,864

 
$
427,020

1-4 family mortgages
 
270,794

 
5,198

 
275,992

Installment
 
42,751

 
2,076

 
44,827

Total consumer loans
 
$
733,701

 
$
14,138

 
$
747,839
Troubled Debt Restructuring by Class
The table below presents TDRs by class as of December 31, 2014 and 2013. See Note 1, "Summary of Significant Accounting Policies," for the accounting policy for TDRs.
TDRs by Class
(Dollar amounts in thousands)
 
 
As of December 31,
 
 
2014
 
2013
 
 
Accruing
 
Non-accrual (1)
 
Total
 
Accruing
 
Non-accrual (1)
 
Total
Commercial and industrial
 
$
269

 
$
18,799

 
$
19,068

 
$
6,538

 
$
2,121

 
$
8,659

Agricultural
 
—

 
—

 
—

 
—

 
—

 
—

Commercial real estate:
 
 
 
 
 
 
 
 
 
 
 
 
Office, retail, and industrial
 
586

 
—

 
586

 
10,271

 
—

 
10,271

Multi-family
 
887

 
232

 
1,119

 
1,038

 
253

 
1,291

Construction
 
—

 
—

 
—

 
—

 
—

 
—

Other commercial real estate
 
433

 
183

 
616

 
4,326

 
291

 
4,617

Total commercial real estate
 
1,906

 
415

 
2,321

 
15,635


544

 
16,179

Total corporate loans
 
2,175

 
19,214

 
21,389

 
22,173

 
2,665

 
24,838

Home equity
 
651

 
506

 
1,157

 
787

 
512

 
1,299

1-4 family mortgages
 
878

 
184

 
1,062

 
810

 
906

 
1,716

Installment
 
—

 
—

 
—

 
—

 
—

 
—

Total consumer loans
 
1,529

 
690

 
2,219

 
1,597

 
1,418

 
3,015

Total loans
 
$
3,704

 
$
19,904

 
$
23,608

 
$
23,770

 
$
4,083

 
$
27,853


(1) 
These TDRs are included in non-accrual loans in the preceding tables.
Troubled Debt Restructurings on Financing Receivables
The following table presents a summary of loans that were restructured during the years ended December 31, 2014, 2013, and 2012.
Loans Restructured During the Period
(Dollar amounts in thousands)
 
 
Number
of
Loans
 
Pre-Modification
Recorded
Investment
 
Funds
Disbursed
 
Interest
and Escrow
Capitalized
 
Charge-offs
 
Post-Modification
Recorded
Investment
Year Ended December 31, 2014
 
 
 
 
 
 
 
 
 
 
 
 
Commercial and industrial
 
7

 
$
23,852

 
$
—

 
$
—

 
$
—

 
$
23,852

Office, retail, and industrial
 
1

 
417

 
—

 
—

 
—

 
417

Multi-family
 
1

 
275

 
—

 
—

 
—

 
275

Home equity
 
1

 
75

 
—

 
—

 
—

 
75

Total TDRs restructured during the period
 
10

 
$
24,619

 
$
—

 
$
—

 
$
—

 
$
24,619

Year Ended December 31, 2013
 
 
 
 
 
 
 
 
 
 
 
 
Commercial and industrial
 
7

 
$
14,439

 
$
—

 
$
2

 
$
—

 
$
14,441

Office, retail, and industrial
 
6

 
2,275

 
30

 
—

 
—

 
2,305

Multi-family
 
5

 
1,274

 
—

 
57

 
—

 
1,331

Construction
 
2

 
508

 
—

 
—

 
—

 
508

Other commercial real estate
 
5

 
526

 
—

 
—

 
—

 
526

Home equity
 
13

 
1,189

 
—

 
—

 
—

 
1,189

1-4 family mortgages
 
1

 
132

 
—

 
4

 
—

 
136

Total TDRs restructured during the period
 
39

 
$
20,343

 
$
30

 
$
63

 
$
—

 
$
20,436

Year Ended December 31, 2012
 
 
 
 
 
 
 
 
 
 
 
 
Commercial and industrial
 
5

 
$
3,277

 
$
—

 
$
—

 
$
170

 
$
3,107

Office, retail, and industrial
 
2

 
2,416

 
—

 
—

 
—

 
2,416

Other commercial real estate
 
5

 
1,070

 
—

 
—

 
125

 
945

Home equity
 
1

 
19

 
—

 
—

 
—

 
19

1-4 family mortgages
 
4

 
563

 
—

 
4

 
—

 
567

Total TDRs restructured during the period
 
17

 
$
7,345

 
$
—

 
$
4

 
$
295

 
$
7,054
Schedule of Troubled Debt Restructurings That Defaulted Within Twelve Months of the Restructured Date
The following table presents TDRs that had payment defaults during the years ended December 31, 2014, 2013, and 2012 where the default occurred within twelve months of the restructure date.
TDRs That Defaulted Within Twelve Months of the Restructured Date
(Dollar amounts in thousands)
 
 
Years Ended December 31,
 
 
2014
 
2013
 
2012
 
 
Number
of
Loans
 
Recorded
Investment
 
Number
of
Loans
 
Recorded
Investment
 
Number
of
Loans
 
Recorded
Investment
Commercial and industrial
 
2

 
$
125

 
1

 
$
350

 
—

 
$
—

Office, retail, and industrial
 
—

 
—

 
—

 
—

 
2

 
837

Other commercial real estate
 
—

 
—

 
3

 
354

 
2

 
717

Home equity
 
1

 
77

 
—

 
—

 
—

 
—

1-4 family mortgages
 
—

 
—

 
—

 
—

 
1

 
62

Total
 
3

 
$
202

 
4

 
$
704

 
5

 
$
1,616
Troubled Debt Restructuring Activity Rollforward
A rollforward of the carrying value of TDRs for the years ended December 31, 2014, 2013, and 2012 is presented in the following table.

TDR Rollforward
(Dollar amounts in thousands)
 
 
Years Ended December 31,
 
 
2014
 
2013
 
2012
Accruing
 
 
 
 
 
 
Beginning balance
 
$
23,770

 
$
6,867

 
$
17,864

Additions
 
804

 
4,847

 
2,504

Net payments
 
(1,440
)
 
(723
)
 
(205
)
Returned to performing status
 
(20,656
)
 
(5,529
)
 
(16,619
)
Net transfers from non-accrual
 
1,226

 
18,308

 
3,323

Ending balance
 
3,704

 
23,770

 
6,867

Non-accrual
 
 
 
 
 
 
Beginning balance
 
4,083

 
10,924

 
29,842

Additions
 
23,815

 
15,589

 
4,550

Net advances (payments)
 
1,991

 
(1,359
)
 
(1,761
)
Charge-offs
 
(8,457
)
 
(1,880
)
 
(10,003
)
Transfers to OREO
 
(302
)
 
(77
)
 
(6,778
)
Loans sold
 
—

 
(806
)
 
(1,603
)
Net transfers to accruing
 
(1,226
)
 
(18,308
)
 
(3,323
)
Ending balance
 
19,904

 
4,083

 
10,924

Total TDRs
 
$
23,608

 
$
27,853

 
$
17,791