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Past Due Loans, Allowance For Credit Losses, Impaired Loans, and TDRs (Tables)
 12 Months Ended
Dec. 31, 2015
Receivables [Abstract]  
Past Due Financing Receivables
The following table presents an aging analysis of the Company's past due loans as of December 31, 2015 and 2014. 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, 2015
 
 

 
 

 
 

 
 

 
 

 
 
 

 
 

Commercial and industrial
 
$
2,516,197

 
$
4,956

 
$
3,573

 
$
8,529

 
$
2,524,726

 
 
$
5,587

 
$
857

Agricultural
 
387,109

 
245

 
86

 
331

 
387,440

 
 
355

 
—

Commercial real estate:
 
 

 
 

 
 

 
 

 
 

 
 
 

 
 

Office, retail, and industrial
 
1,386,383

 
2,647

 
6,424

 
9,071

 
1,395,454

 
 
6,875

 
4

Multi-family
 
526,625

 
541

 
1,158

 
1,699

 
528,324

 
 
796

 
548

Construction
 
216,377

 
—

 
505

 
505

 
216,882

 
 
905

 
—

Other commercial real estate
 
922,531

 
3,575

 
5,084

 
8,659

 
931,190

 
 
5,611

 
661

Total commercial real
  estate
 
3,051,916

 
6,763

 
13,171

 
19,934

 
3,071,850

 
 
14,187

 
1,213

Total corporate loans
 
5,955,222

 
11,964

 
16,830

 
28,794

 
5,984,016

 
 
20,129

 
2,070

Home equity
 
647,175

 
3,247

 
3,046

 
6,293

 
653,468

 
 
5,310

 
216

1-4 family mortgages
 
350,980

 
2,680

 
2,194

 
4,874

 
355,854

 
 
3,416

 
528

Installment
 
136,780

 
753

 
69

 
822

 
137,602

 
 
20

 
69

Total consumer loans
 
1,134,935

 
6,680

 
5,309

 
11,989

 
1,146,924

 
 
8,746

 
813

Total loans, excluding
  covered loans
 
7,090,157

 
18,644

 
22,139

 
40,783

 
7,130,940

 
 
28,875

 
2,883

Covered loans
 
29,808

 
405

 
562

 
967

 
30,775

 
 
555

 
174

Total loans
 
$
7,119,965

 
$
19,049

 
$
22,701

 
$
41,750

 
$
7,161,715

 
 
$
29,430

 
$
3,057

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
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, 2015, 2014, and 2013 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, 2015
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Beginning balance
 
$
29,458

 
$
10,992

 
$
2,249

 
$
2,297

 
$
8,327

 
$
12,145

 
$
7,226

 
$
1,816

 
$
74,510

Charge-offs
 
(15,885
)
 
(2,887
)
 
(545
)
 
(136
)
 
(2,643
)
 
(4,187
)
 
(634
)
 
—

 
(26,917
)
Recoveries
 
2,573

 
467

 
15

 
350

 
1,993

 
1,183

 
120

 
—

 
6,701

Net charge-offs
 
(13,312
)
 
(2,420
)
 
(530
)
 
214

 
(650
)
 
(3,004
)
 
(514
)
 
—

 
(20,216
)
Provision for loan
and covered loan
losses and other
 
20,928

 
4,544

 
743

 
(1,071
)
 
(1,589
)
 
2,671

 
(5,074
)
 
(591
)
 
20,561

Ending Balance
 
$
37,074

 
$
13,116

 
$
2,462

 
$
1,440

 
$
6,088

 
$
11,812

 
$
1,638

 
$
1,225

 
$
74,855

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
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 as of December 31, 2015 and 2014.
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, 2015
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Commercial, industrial, and
  agricultural
 
$
2,871

 
$
2,902,361

 
$
6,934

 
$
2,912,166

 
$
883

 
$
35,378

 
$
813

 
$
37,074

Commercial real estate:
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Office, retail, and industrial
 
6,162

 
1,376,789

 
12,503

 
1,395,454

 
715

 
10,833

 
1,568

 
13,116

Multi-family
 
800

 
526,037

 
1,487

 
528,324

 
—

 
2,367

 
95

 
2,462

Construction
 
178

 
212,671

 
4,033

 
216,882

 
—

 
1,160

 
280

 
1,440

Other commercial real estate
 
3,665

 
913,161

 
14,364

 
931,190

 
—

 
5,367

 
721

 
6,088

Total commercial
real estate
 
10,805

 
3,028,658

 
32,387

 
3,071,850

 
715

 
19,727

 
2,664

 
23,106

Total corporate loans
 
13,676

 
5,931,019

 
39,321

 
5,984,016

 
1,598

 
55,105

 
3,477

 
60,180

Consumer
 
—

 
1,135,959

 
10,965

 
1,146,924

 
—

 
11,425

 
387

 
11,812

Total loans, excluding
covered loans
 
13,676

 
7,066,978

 
50,286

 
7,130,940

 
1,598

 
66,530

 
3,864

 
71,992

Covered loans
 
—

 
20,856

 
9,919

 
30,775

 
—

 
248

 
1,390

 
1,638

Reserve for unfunded
commitments
 
—

 
—

 
—

 
—

 
—

 
1,225

 
—

 
1,225

Total loans
 
$
13,676

 
$
7,087,834

 
$
60,205

 
$
7,161,715

 
$
1,598

 
$
68,003

 
$
5,254

 
$
74,855

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
Impaired Financing Receivable
The following table presents loans individually evaluated for impairment by class of loan as of December 31, 2015 and 2014. PCI loans are excluded from this disclosure.
Impaired Loans Individually Evaluated by Class
(Dollar amounts in thousands)
 
 
As of December 31,
 
 
2015
 
 
2014
 
 
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
 
$
1,673

 
$
1,198

 
$
4,592

 
$
883

 
 
$
666

 
$
19,130

 
$
35,457

 
$
2,249

Agricultural
 
—

 
—

 
—

 
—

 
 
—

 
—

 
—

 
—

Commercial real estate:
 
 

 
 

 
 

 
 

 
 
 

 
 

 
 

 
 

Office, retail, and industrial
 
4,654

 
1,508

 
12,083

 
715

 
 
9,623

 
2,709

 
18,340

 
271

Multi-family
 
800

 
—

 
941

 
—

 
 
939

 
—

 
1,024

 
—

Construction
 
178

 
—

 
299

 
—

 
 
6,671

 
—

 
7,731

 
—

Other commercial real estate
 
3,665

 
—

 
4,403

 
—

 
 
2,752

 
514

 
4,490

 
11

Total commercial real
  estate
 
9,297

 
1,508

 
17,726

 
715

 
 
19,985

 
3,223

 
31,585

 
282

Total impaired loans
individually evaluated
  for impairment
 
$
10,970

 
$
2,706

 
$
22,318

 
$
1,598

 
 
$
20,651

 
$
22,353

 
$
67,042

 
$
2,531
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, 2015, 2014, and 2013. 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,
 
 
2015
 
2014
 
2013
 
 
Average
Recorded
Balance
 
Interest
Income
Recognized (1)
 
Average
Recorded
Balance
 
Interest
Income
Recognized (1)
 
Average
Recorded
Balance
 
Interest
Income
Recognized (1)
Commercial and industrial
 
$
8,940

 
$
163

 
$
16,137

 
$
371

 
$
20,925

 
$
205

Agricultural
 
—

 
—

 
—

 
—

 
—

 
—

Commercial real estate:
 
 

 
 

 
 

 
 

 
 

 
 

Office, retail, and industrial
 
9,359

 
52

 
19,003

 
245

 
24,802

 
18

Multi-family
 
855

 
13

 
1,245

 
5

 
1,116

 
8

Construction
 
3,902

 
118

 
5,764

 
—

 
5,932

 
—

Other commercial real estate
 
3,310

 
44

 
6,014

 
138

 
13,141

 
31

Total commercial real estate
 
17,426

 
227

 
32,026

 
388

 
44,991

 
57

Total impaired loans
 
$
26,366

 
$
390

 
$
48,163

 
$
759

 
$
65,916

 
$
262


(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, 2015 and 2014.
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, 2015
 
 
 
 
 
 
 
 
 
 
Commercial and industrial
 
$
2,379,992

 
$
86,263

 
$
52,884

 
$
5,587

 
$
2,524,726

Agricultural
 
381,523

 
—

 
5,562

 
355

 
387,440

Commercial real estate:
 
 
 
 
 
 
 
 
 
 
Office, retail, and industrial
 
1,320,164

 
32,627

 
35,788

 
6,875

 
1,395,454

Multi-family
 
517,412

 
6,146

 
3,970

 
796

 
528,324

Construction
 
201,496

 
4,678

 
9,803

 
905

 
216,882

Other commercial real estate
 
898,746

 
13,179

 
13,654

 
5,611

 
931,190

Total commercial real estate
 
2,937,818

 
56,630

 
63,215

 
14,187

 
3,071,850

Total corporate loans
 
$
5,699,333

 
$
142,893

 
$
121,661

 
$
20,129

 
$
5,984,016

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


(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 $862,000 as of December 31, 2015 and $1.8 million as of December 31, 2014.
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, 2015
 
 
 
 
 
 
Home equity
 
$
648,158

 
$
5,310

 
$
653,468

1-4 family mortgages
 
352,438

 
3,416

 
355,854

Installment
 
137,582

 
20

 
137,602

Total consumer loans
 
$
1,138,178

 
$
8,746

 
$
1,146,924

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
Troubled Debt Restructuring by Class
The table below presents TDRs by class as of December 31, 2015 and 2014. 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,
 
 
2015
 
2014
 
 
Accruing
 
Non-accrual (1)
 
Total
 
Accruing
 
Non-accrual (1)
 
Total
Commercial and industrial
 
$
294

 
$
1,050

 
$
1,344

 
$
269

 
$
18,799

 
$
19,068

Agricultural
 
—

 
—

 
—

 
—

 
—

 
—

Commercial real estate:
 
 
 
 
 
 
 
 
 
 
 
 
Office, retail, and industrial
 
164

 
—

 
164

 
586

 
—

 
586

Multi-family
 
598

 
186

 
784

 
887

 
232

 
1,119

Construction
 
—

 
—

 
—

 
—

 
—

 
—

Other commercial real estate
 
340

 
—

 
340

 
433

 
183

 
616

Total commercial real estate
 
1,102

 
186

 
1,288

 
1,906


415

 
2,321

Total corporate loans
 
1,396

 
1,236

 
2,632

 
2,175

 
19,214

 
21,389

Home equity
 
494

 
667

 
1,161

 
651

 
506

 
1,157

1-4 family mortgages
 
853

 
421

 
1,274

 
878

 
184

 
1,062

Installment
 
—

 
—

 
—

 
—

 
—

 
—

Total consumer loans
 
1,347

 
1,088

 
2,435

 
1,529

 
690

 
2,219

Total loans
 
$
2,743

 
$
2,324

 
$
5,067

 
$
3,704

 
$
19,904

 
$
23,608


(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, 2015, 2014, and 2013.
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, 2015
 
 
 
 
 
 
 
 
 
 
 
 
Home equity
 
1

 
$
120

 
$
—

 
$
—

 
$
—

 
$
120

1-4 family mortgages
 
2

 
325

 
—

 
—

 
—

 
325

Total loans restructured during the period
 
3

 
$
445

 
$
—

 
$
—

 
$
—

 
$
445

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 loans 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 loans restructured during the period
 
39

 
$
20,343

 
$
30

 
$
63

 
$
—

 
$
20,436
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, 2015, 2014, and 2013 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,
 
 
2015
 
2014
 
2013
 
 
Number
of
Loans
 
Recorded
Investment
 
Number
of
Loans
 
Recorded
Investment
 
Number
of
Loans
 
Recorded
Investment
Commercial and industrial
 
—

 
$
—

 
2

 
$
125

 
1

 
$
350

Other commercial real estate
 
—

 
—

 
—

 
—

 
3

 
354

Home equity
 
—

 
—

 
1

 
77

 
—

 
—

Total
 
—

 
$
—

 
3

 
$
202

 
4

 
$
704
Troubled Debt Restructuring Activity Rollforward
A rollforward of the carrying value of TDRs for the years ended December 31, 2015, 2014, and 2013 is presented in the following table.

TDR Rollforward
(Dollar amounts in thousands)
 
 
Years Ended December 31,
 
 
2015
 
2014
 
2013
Accruing
 
 
 
 
 
 
Beginning balance
 
$
3,704

 
$
23,770

 
$
6,867

Additions
 
120

 
804

 
4,847

Net payments
 
(774
)
 
(1,440
)
 
(723
)
Returned to performing status
 
—

 
(20,656
)
 
(5,529
)
Net transfers (to) from non-accrual
 
(307
)
 
1,226

 
18,308

Ending balance
 
2,743

 
3,704

 
23,770

Non-accrual
 
 
 
 
 
 
Beginning balance
 
19,904

 
4,083

 
10,924

Additions
 
325

 
23,815

 
15,589

Net (payments) advances
 
(15,525
)
 
1,991

 
(1,359
)
Charge-offs
 
(2,687
)
 
(8,457
)
 
(1,880
)
Transfers to OREO
 
—

 
(302
)
 
(77
)
Loans sold
 
—

 
—

 
(806
)
Net transfers from (to) accruing
 
307

 
(1,226
)
 
(18,308
)
Ending balance
 
2,324

 
19,904

 
4,083

Total TDRs
 
$
5,067

 
$
23,608

 
$
27,853