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ALLOWANCE FOR LOAN AND LEASE LOSSES (Tables)
 12 Months Ended
Dec. 31, 2016
Changes in the Allowance for Loan and Lease Losses for the Previous Three Years
Changes in the ALLL for the three years ended December 31 were as follows:
(Dollars in thousands)
 
2016
 
2015
 
2014
Changes in the ALLL on loans, excluding covered/formerly covered
 
 
Balance at beginning of year
 
$
43,149

 
$
42,820

 
$
43,829

Provision for loan and lease losses
 
9,322

 
7,926

 
3,369

Loans charged-off
 
(6,652
)
 
(11,660
)
 
(7,877
)
Recoveries
 
3,603

 
4,063

 
3,499

Balance at end of year
 
$
49,422

 
$
43,149

 
$
42,820

 
 
 
 
 
 
 
Changes in the ALLL on covered/formerly covered loans
 
 
 
 
Balance at beginning of year
 
$
10,249

 
$
10,038

 
$
18,901

Provision for loan and lease losses
 
818

 
1,715

 
(1,841
)
Loans charged-off
 
(4,462
)
 
(8,896
)
 
(18,096
)
Recoveries
 
1,934

 
7,392

 
11,074

Balance at end of year
 
$
8,539

 
$
10,249

 
$
10,038

 
 
 
 
 
 
 
Changes in the ALLL on total loans
 
 
 
 
 
Balance at beginning of year
 
$
53,398

 
$
52,858

 
$
62,730

Provision for loan and lease losses
 
10,140

 
9,641

 
1,528

Loans charged-off
 
(11,114
)
 
(20,556
)
 
(25,973
)
Recoveries
 
5,537

 
11,455

 
14,573

Balance at end of year
 
$
57,961

 
$
53,398

 
$
52,858
Allowance for Loan and Lease Losses by Classification
Changes in the ALLL by loan category as of December 31 were as follows:
  
 
2016
 
 
 
 
Real Estate
 
 
 
 
 
 
 
 
(Dollars in thousands)
 
Commercial and industrial
 
Construction
 
Commercial
 
Residential
 
Home Equity
 
Installment
 
Other
 
Total
Allowance for loan and lease losses
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Balance at beginning of year
 
$
16,995

 
$
1,810

 
$
23,656

 
$
4,014

 
$
3,943

 
$
386

 
$
2,594

 
$
53,398

Provision for loan and lease losses
 
3,705

 
1,280

 
5,365

 
(655
)
 
(175
)
 
53

 
567

 
10,140

Gross charge-offs
 
(2,630
)
 
(93
)
 
(4,983
)
 
(387
)
 
(1,445
)
 
(386
)
 
(1,190
)
 
(11,114
)
Recoveries
 
1,155

 
285

 
2,502

 
236

 
720

 
335

 
304

 
5,537

Total net charge-offs
 
(1,475
)
 
192

 
(2,481
)
 
(151
)
 
(725
)
 
(51
)
 
(886
)
 
(5,577
)
Ending allowance for loan and lease losses
 
$
19,225

 
$
3,282

 
$
26,540

 
$
3,208

 
$
3,043

 
$
388

 
$
2,275

 
$
57,961


 
 
2015
 
 
 
 
Real Estate
 
 
 
 
 
 
 
 
(Dollars in thousands)
 
Commercial and industrial
 
Construction
 
Commercial
 
Residential
 
Home Equity
 
Installment
 
Other
 
Total
Allowance for loan and lease losses
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Balance at beginning of year
 
$
13,870

 
$
1,045

 
$
27,086

 
$
3,753

 
$
4,260

 
$
407

 
$
2,437

 
$
52,858

Provision for loan and lease losses
 
4,809

 
597

 
1,439

 
1,234

 
573

 
25

 
964

 
9,641

Gross charge-offs
 
(5,408
)
 
(85
)
 
(10,083
)
 
(1,531
)
 
(1,891
)
 
(509
)
 
(1,049
)
 
(20,556
)
Recoveries
 
3,724

 
253

 
5,214

 
558

 
1,001

 
463

 
242

 
11,455

Total net charge-offs
 
(1,684
)
 
168

 
(4,869
)
 
(973
)
 
(890
)
 
(46
)
 
(807
)
 
(9,101
)
Ending allowance for loan and lease losses
 
$
16,995

 
$
1,810

 
$
23,656

 
$
4,014

 
$
3,943

 
$
386

 
$
2,594

 
$
53,398



 
 
2014
 
 
 
 
Real Estate
 
 
 
 
 
 
 
 
(Dollars in thousands)
 
Commercial and industrial
 
Construction
 
Commercial
 
Residential
 
Home Equity
 
Installment
 
Other
 
Total
Allowance for loan and lease losses
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Balance at beginning of year
 
$
19,968

 
$
824

 
$
28,993

 
$
4,140

 
$
5,209

 
$
590

 
$
3,006

 
$
62,730

Provision for loan and lease losses
 
(1,711
)
 
1,188

 
(46
)
 
536

 
1,314

 
64

 
183

 
1,528

Gross charge-offs
 
(9,156
)
 
(1,348
)
 
(9,478
)
 
(1,454
)
 
(2,774
)
 
(605
)
 
(1,158
)
 
(25,973
)
Recoveries
 
4,769

 
381

 
7,617

 
531

 
511

 
358

 
406

 
14,573

Total net charge-offs
 
(4,387
)
 
(967
)
 
(1,861
)
 
(923
)
 
(2,263
)
 
(247
)
 
(752
)
 
(11,400
)
Ending allowance for loan and lease losses
 
$
13,870

 
$
1,045

 
$
27,086

 
$
3,753

 
$
4,260

 
$
407

 
$
2,437

 
$
52,858



The ALLL balance and the recorded investment in loans by portfolio segment and based on impairment method as of December 31 were as follows:
 
 
December 31, 2016
 
 
 
 
Real Estate
 
 
 
 
 
 
 
 
(Dollars in thousands)
 
Commercial and industrial
 
Construction
 
Commercial
 
Residential
 
Home Equity
 
Installment
 
Other
 
Total
Ending allowance on loans individually evaluated for impairment
 
$
550

 
$
0

 
$
593

 
$
179

 
$
2

 
$
0

 
$
0

 
$
1,324

Ending allowance on loans collectively evaluated for impairment
 
18,675

 
3,282

 
25,947

 
3,029

 
3,041

 
388

 
2,275

 
56,637

Ending allowance for loan and lease losses
 
$
19,225

 
$
3,282

 
$
26,540

 
$
3,208

 
$
3,043

 
$
388

 
$
2,275

 
$
57,961

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Loans and Leases
 
 

 
 

 
 

 
 

 
 

 
 
 
 

 
 

Ending balance of loans individually evaluated for impairment
 
$
13,203

 
$
0

 
$
20,460

 
$
9,601

 
$
4,074

 
$
437

 
$
195

 
$
47,970

Ending balance of loans collectively evaluated for impairment
 
1,768,745

 
399,434

 
2,407,117

 
491,379

 
456,314

 
50,202

 
136,321

 
5,709,512

Total loans
 
$
1,781,948

 
$
399,434

 
$
2,427,577

 
$
500,980

 
$
460,388

 
$
50,639

 
$
136,516

 
$
5,757,482



 
 
December 31, 2015
 
 
 
 
Real Estate
 
 
 
 
 
 
 
 
(Dollars in thousands)
 
Commercial and industrial
 
Construction
 
Commercial
 
Residential
 
Home Equity
 
Installment
 
Other
 
Total
Ending allowance on loans individually evaluated for impairment
 
$
357

 
$
0

 
$
979

 
$
235

 
$
2

 
$
0

 
$
0

 
$
1,573

Ending allowance on loans collectively evaluated for impairment
 
16,638

 
1,810

 
22,677

 
3,779

 
3,941

 
386

 
2,594

 
51,825

Ending allowance for loan and lease losses
 
$
16,995

 
$
1,810

 
$
23,656

 
$
4,014

 
$
3,943

 
$
386

 
$
2,594

 
$
53,398

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Loans and Leases
 
 

 
 

 
 

 
 

 
 

 
 
 
 

 
 

Ending balance of loans individually evaluated for impairment
 
$
17,411

 
$
0

 
$
24,652

 
$
8,994

 
$
5,441

 
$
253

 
$
122

 
$
56,873

Ending balance of loans collectively evaluated for impairment
 
1,645,691

 
311,712

 
2,233,645

 
503,317

 
461,188

 
41,253

 
135,081

 
5,331,887

Total loans
 
$
1,663,102

 
$
311,712

 
$
2,258,297

 
$
512,311

 
$
466,629

 
$
41,506

 
$
135,203

 
$
5,388,760