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Past Due Loans, Allowance For Credit Losses, Impaired Loans, and TDRs (Tables)
 12 Months Ended
Dec. 31, 2019
Accounts, Notes, Loans and Financing Receivable, Gross, Allowance, and Net [Abstract]  
Past Due Financing Receivables
The following table presents an aging analysis of the Company's past due loans as of December 31, 2019 and 2018. 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(1)
30-89 Days
Past Due
90 Days or
More Past
Due
Total
Past Due
Total
Loans
Non-accrual90 Days or More Past Due, Still Accruing Interest
As of December 31, 2019       
Commercial and industrial$4,455,381  $11,468  $14,676  $26,144  $4,481,525  $29,995  $2,207  
Agricultural398,676  850  6,090  6,940  405,616  5,954  358  
Commercial real estate:       
Office, retail, and industrial1,830,321  2,943  15,454  18,397  1,848,718  25,857  546  
Multi-family853,762  211  2,580  2,791  856,553  2,697  —  
Construction588,065  4,876  152  5,028  593,093  152  —  
Other commercial real estate1,377,678  3,233  2,797  6,030  1,383,708  4,729  529  
Total commercial real estate4,649,826  11,263  20,983  32,246  4,682,072  33,435  1,075  
Total corporate loans9,503,883  23,581  41,749  65,330  9,569,213  69,384  3,640  
Home equity841,908  4,992  4,554  9,546  851,454  8,443  146  
1-4 family mortgages1,917,648  5,452  3,978  9,430  1,927,078  4,442  1,203  
Installment491,406  1,167  12  1,179  492,585  —  12  
Total consumer loans3,250,962  11,611  8,544  20,155  3,271,117  12,885  1,361  
Total loans$12,754,845  $35,192  $50,293  $85,485  $12,840,330  $82,269  $5,001  
As of December 31, 2018       
Commercial and industrial$4,085,164  $8,832  $26,297  $35,129  $4,120,293  $33,507  $422  
Agricultural428,357  940  1,631  2,571  430,928  1,564  101  
Commercial real estate: 
Office, retail, and industrial1,803,059  8,209  9,649  17,858  1,820,917  6,510  4,081  
Multi-family759,402  1,487  3,296  4,783  764,185  3,107  189  
Construction645,774  3,419  144  3,563  649,337  144  —  
Other commercial real estate1,353,442  4,921  3,447  8,368  1,361,810  2,854  2,197  
Total commercial real estate4,561,677  18,036  16,536  34,572  4,596,249  12,615  6,467  
Total corporate loans9,075,198  27,808  44,464  72,272  9,147,470  47,686  6,990  
Home equity843,217  6,285  2,105  8,390  851,607  5,393  104  
1-4 family mortgages1,009,925  4,361  2,895  7,256  1,017,181  3,856  1,147  
Installment428,836  1,648  41  1,689  430,525  —  41  
Total consumer loans2,281,978  12,294  5,041  17,335  2,299,313  9,249  1,292  
Total loans$11,357,176  $40,102  $49,505  $89,607  $11,446,783  $56,935  $8,282  
(1)PCI loans with an accretable yield are considered current.
Allowance For Credit Losses On Financing Receivables A rollforward of the allowance for credit losses by portfolio segment for the years ended December 31, 2019, 2018, and 2017 is presented in the table below.
Allowance for Credit Losses by Portfolio Segment
(Dollar amounts in thousands)
Commercial, Industrial, and AgriculturalOffice, Retail, and IndustrialMulti-familyConstructionOther Commercial Real EstateConsumerReserve for Unfunded CommitmentsTotal Allowance for Credit Losses
Year Ended December 31, 2019
Beginning balance$63,276  $7,900  $2,464  $2,173  $4,934  $21,472  $1,200  $103,419  
Charge-offs(28,008) (2,800) (340) (10) (800) (14,250) —  (46,208) 
Recoveries4,815  253  478  19  357  2,062  —  7,984  
Net charge-offs(23,193) (2,547) 138  9  (443) (12,188) —  (38,224) 
Provision for loan
losses and other		22,747  2,227  348  (485) 1,917  17,273  —  44,027  
Ending Balance$62,830  $7,580  $2,950  $1,697  $6,408  $26,557  $1,200  $109,222  
Year Ended December 31, 2018
Beginning balance$55,791  $10,996  $2,534  $3,481  $6,381  $16,546  $1,000  $96,729  
Charge-offs(36,477) (2,286) (5) (1) (410) (8,806) —  (47,985) 
Recoveries2,946  334  3  125  1,532  1,681  —  6,621  
Net charge-offs(33,531) (1,952) (2) 124  1,122  (7,125) —  (41,364) 
Provision for loan
  losses and other
41,016  (1,144) (68) (1,432) (2,569) 12,051  200  48,054  
Ending balance$63,276  $7,900  $2,464  $2,173  $4,934  $21,472  $1,200  $103,419  
Year Ended December 31, 2017
Beginning balance$40,709  $17,595  $3,261  $3,444  $7,739  $13,335  $1,000  $87,083  
Charge-offs(22,885) (190) —  (38) (755) (6,955) —  (30,823) 
Recoveries4,150  2,935  39  270  244  1,541  —  9,179  
Net charge-offs(18,735) 2,745  39  232  (511) (5,414) —  (21,644) 
Provision for loan
losses and other		33,817  (9,344) (766) (195) (847) 8,625  —  31,290  
Ending balance$55,791  $10,996  $2,534  $3,481  $6,381  $16,546  $1,000  $96,729  
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, 2019 and 2018.
Loans and Related Allowance for Credit Losses by Portfolio Segment
(Dollar amounts in thousands)
 LoansAllowance for Credit Losses
 
Individually
Evaluated for
Impairment
Collectively
Evaluated for
Impairment
PCITotal
Individually
Evaluated for
Impairment
Collectively
Evaluated for
Impairment
PCITotal
As of December 31, 2019        
Commercial, industrial, and
  agricultural		$34,142  $4,807,114  $45,885  $4,887,141  $3,414  $59,108  $308  $62,830  
Commercial real estate:        
Office, retail, and industrial24,820  1,795,557  28,341  1,848,718  578  6,899  103  7,580  
Multi-family1,995  851,857  2,701  856,553  —  2,854  96  2,950  
Construction123  581,747  11,223  593,093  —  1,681  16  1,697  
Other commercial real estate3,241  1,323,635  56,832  1,383,708  —  4,867  1,541  6,408  
Total commercial real estate30,179  4,552,796  99,097  4,682,072  578  16,301  1,756  18,635  
Total corporate loans64,321  9,359,910  144,982  9,569,213  3,992  75,409  2,064  81,465  
Consumer—  3,248,916  22,201  3,271,117  —  25,424  1,133  26,557  
Reserve for unfunded
commitments		—  —  —  —  —  1,200  —  1,200  
Total loans$64,321  $12,608,826  $167,183  $12,840,330  $3,992  $102,033  $3,197  $109,222  
As of December 31, 2018        
Commercial, industrial, and
  agricultural		$32,415  $4,514,349  $4,457  $4,551,221  $3,961  $58,947  $368  $63,276  
Commercial real estate:  
Office, retail, and industrial5,057  1,799,304  16,556  1,820,917  748  5,984  1,168  7,900  
Multi-family3,492  747,030  13,663  764,185  —  2,154  310  2,464  
Construction—  644,499  4,838  649,337  —  2,019  154  2,173  
Other commercial real estate1,545  1,305,444  54,821  1,361,810  —  4,180  754  4,934  
Total commercial real estate10,094  4,496,277  89,878  4,596,249  748  14,337  2,386  17,471  
Total corporate loans42,509  9,010,626  94,335  9,147,470  4,709  73,284  2,754  80,747  
Consumer—  2,279,780  19,533  2,299,313  —  20,094  1,378  21,472  
Reserve for unfunded
commitments		—  —  —  —  —  1,200  —  1,200  
Total loans$42,509  $11,290,406  $113,868  $11,446,783  $4,709  $94,578  $4,132  $103,419  
Impaired Financing Receivables
The following table presents loans individually evaluated for impairment by class of loan as of December 31, 2019 and 2018. PCI loans are excluded from this disclosure.
Impaired Loans Individually Evaluated by Class
(Dollar amounts in thousands)
As of December 31,
 20192018
 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$12,885  $15,516  $52,559  $2,456  $7,550  $23,349  $49,102  $3,960  
Agricultural1,889  3,852  9,293  958  1,318  198  3,997  1  
Commercial real estate:    
Office, retail, and industrial14,111  10,709  37,007  578  1,861  3,196  6,141  748  
Multi-family1,995  —  1,995  —  3,492  —  3,492  —  
Construction123  —  123  —  —  —  —  —  
Other commercial real estate3,241  —  3,495  —  1,545  —  1,612  —  
Total commercial real estate19,470  10,709  42,620  578  6,898  3,196  11,245  748  
Total impaired loans
individually evaluated
  for impairment		$34,244  $30,077  $104,472  $3,992  $15,766  $26,743  $64,344  $4,709  
The following table presents the average recorded investment and interest income recognized on impaired loans by class for the years ended December 31, 2019, 2018, and 2017. 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,
 201920182017
 
Average
Recorded
Investment
Interest
Income
Recognized(1)
Average
Recorded
Investment
Interest
Income
Recognized(1)
Average
Recorded
Investment
Interest
Income
Recognized(1)
Commercial and industrial$26,700  $115  $33,732  $225  $33,956  $1,059  
Agricultural4,374  20  2,026  32  279  101  
Commercial real estate:  
Office, retail, and industrial17,453  73  8,105  892  13,106  325  
Multi-family3,164  112  2,404  66  441  28  
Construction74  3  —  —  7  136  
Other commercial real estate2,662  90  2,179  406  1,615  41  
Total commercial real estate23,352  278  12,688  1,364  15,169  530  
Total impaired loans$54,427  $413  $48,445  $1,621  $49,404  $1,690  
(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 as of December 31, 2019 and 2018.
Corporate Credit Quality Indicators by Class
(Dollar amounts in thousands)
Pass
Special
Mention(1)
Substandard(2)
Non-accrual(3)
Total
As of December 31, 2019     
Commercial and industrial$4,324,709  $47,665  $79,156  $29,995  $4,481,525  
Agricultural350,827  32,764  16,071  5,954  405,616  
Commercial real estate:     
Office, retail, and industrial1,747,287  42,230  33,344  25,857  1,848,718  
Multi-family839,615  8,279  5,962  2,697  856,553  
Construction564,495  17,977  10,469  152  593,093  
Other commercial real estate1,295,155  39,788  44,036  4,729  1,383,708  
Total commercial real estate4,446,552  108,274  93,811  33,435  4,682,072  
Total corporate loans$9,122,088  $188,703  $189,038  $69,384  $9,569,213  
As of December 31, 2018     
Commercial and industrial$3,952,066  $74,878  $59,842  $33,507  $4,120,293  
Agricultural407,542  10,070  11,752  1,564  430,928  
Commercial real estate: 
Office, retail, and industrial1,735,426  35,853  43,128  6,510  1,820,917  
Multi-family745,131  9,273  6,674  3,107  764,185  
Construction624,446  16,370  8,377  144  649,337  
Other commercial real estate1,294,128  47,736  17,092  2,854  1,361,810  
Total commercial real estate4,399,131  109,232  75,271  12,615  4,596,249  
Total corporate loans$8,758,739  $194,180  $146,865  $47,686  $9,147,470  
(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 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 that may jeopardize the liquidation of the debt or result in a loss if the deficiencies are not corrected.
Consumer Credit Quality Indicators by Class
(Dollar amounts in thousands)
PerformingNon-accrualTotal
As of December 31, 2019   
Home equity$843,011  $8,443  $851,454  
1-4 family mortgages1,922,636  4,442  1,927,078  
Installment492,585  —  492,585  
Total consumer loans$3,258,232  $12,885  $3,271,117  
As of December 31, 2018   
Home equity$846,214  $5,393  $851,607  
1-4 family mortgages1,013,325  3,856  1,017,181  
Installment430,525  —  430,525  
Total consumer loans$2,290,064  $9,249  $2,299,313  
Troubled Debt Restructurings on Financing Receivables The table below presents TDRs by class as of December 31, 2019 and 2018. 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,
 20192018
 Accruing
Non-accrual(1)
TotalAccruing
Non-accrual(1)
Total
Commercial and industrial$227  $16,420  $16,647  $246  $5,994  $6,240  
Agricultural—  —  —  —  —  —  
Commercial real estate:    
Office, retail, and industrial—  3,600  3,600  —  —  —  
Multi-family163  —  163  557  —  557  
Construction—  —  —  —  —  —  
Other commercial real estate170  —  170  181  —  181  
Total commercial real estate333  3,600  3,933  738  —  738  
Total corporate loans560  20,020  20,580  984  5,994  6,978  
Home equity36  240  276  113  327  440  
1-4 family mortgages637  —  637  769  291  1,060  
Installment—  254  254  —  —  —  
Total consumer loans673  494  1,167  882  618  1,500  
Total loans$1,233  $20,514  $21,747  $1,866  $6,612  $8,478  
(1)These TDRs are included in non-accrual loans in the preceding tables.
The following table presents a summary of loans that were restructured during the years ended December 31, 2019 and 2017.
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, 2019
Commercial and industrial5  $13,616  $—  $—  $1,424  $12,192  
Office, retail, and industrial2  4,473  —  —  873  3,600  
Multi-family1  12  —  —  —  12  
Total loans restructured during the period8  $18,101  $—  $—  $2,297  $15,804  
Year Ended December 31, 2017
Commercial and industrial12  $26,733  $9,035  $—  $6,232  $29,536  
Office, retail, and industrial2  3,656  —  —  —  3,656  
Total loans restructured during the period14  $30,389  $9,035  $—  $6,232  $33,192  
A rollforward of the carrying value of TDRs for the years ended December 31, 2019, 2018, and 2017 is presented in the following table.
TDR Rollforward
(Dollar amounts in thousands)
Years Ended December 31,
201920182017
Accruing
Beginning balance$1,866  $1,796  $2,291  
Additions12  —  15,819  
Net payments  (262) (50) (1,923) 
Returned to performing status—  —  —  
Net transfers (to) from non-accrual (383) 120  (14,391) 
Ending balance1,233  1,866  1,796  
Non-accrual
Beginning balance6,612  24,533  6,297  
Additions18,089  527  14,570  
Net payments  (1,013) (14,403) (4,380) 
Charge-offs(3,557) (3,925) (6,345) 
Transfers to OREO—  —  —  
Loans sold—  —  —  
Net transfers from (to) accruing 383  (120) 14,391  
Ending balance20,514  6,612  24,533  
Total TDRs$21,747  $8,478  $26,329