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ALLOWANCE FOR LOAN AND LEASE LOSSES (Tables)
 12 Months Ended
Dec. 31, 2018
Receivables [Abstract]  
Changes in the Allowance for Loan and Lease Losses for the Previous Three Years
Changes in the ALLL by loan category as of December 31 were as follows:
  
 
2018
 
 
 
 
 
 
Real Estate
 
 
 
 
 
 
 
 
(Dollars in thousands)
 
Commercial & industrial
 
Lease financing
 
Construction
 
Commercial
 
Residential
 
Home equity
 
Installment
 
Credit card
 
Total
Allowance for loan and lease losses
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Balance at beginning of year
 
$
17,598

 
$
675

 
$
3,577

 
$
20,930

 
$
4,683

 
$
4,935

 
$
307

 
$
1,316

 
$
54,021

Provision for loan and lease losses
 
10,615

 
454

 
(310
)
 
847

 
492

 
829

 
(85
)
 
1,744

 
14,586

Gross charge-offs
 
(11,533
)
 
0

 
0

 
(4,835
)
 
(422
)
 
(1,725
)
 
(435
)
 
(1,720
)
 
(20,670
)
Recoveries
 
2,066

 
1

 
146

 
4,106

 
211

 
1,309

 
575

 
191

 
8,605

Total net charge-offs
 
(9,467
)
 
1

 
146

 
(729
)
 
(211
)
 
(416
)
 
140

 
(1,529
)
 
(12,065
)
Ending allowance for loan and lease losses
 
$
18,746

 
$
1,130

 
$
3,413

 
$
21,048

 
$
4,964

 
$
5,348

 
$
362

 
$
1,531

 
$
56,542


 
 
2017
 
 
 
 
 
 
Real Estate
 
 
 
 
 
 
 
 
(Dollars in thousands)
 
Commercial & industrial
 
Lease financing
 
Construction
 
Commercial
 
Residential
 
Home equity
 
Installment
 
Credit card
 
Total
Allowance for loan and lease losses
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Balance at beginning of year
 
$
19,225

 
$
716

 
$
3,282

 
$
26,540

 
$
3,208

 
$
3,043

 
$
388

 
$
1,559

 
$
57,961

Provision for loan and lease losses
 
6,917

 
(42
)
 
207

 
(7,291
)
 
1,695

 
1,778

 
(90
)
 
408

 
3,582

Gross charge-offs
 
(10,194
)
 
0

 
(1
)
 
(1,038
)
 
(435
)
 
(913
)
 
(225
)
 
(857
)
 
(13,663
)
Recoveries
 
1,650

 
1

 
89

 
2,719

 
215

 
1,027

 
234

 
206

 
6,141

Total net charge-offs
 
(8,544
)
 
1

 
88

 
1,681

 
(220
)
 
114

 
9

 
(651
)
 
(7,522
)
Ending allowance for loan and lease losses
 
$
17,598

 
$
675

 
$
3,577

 
$
20,930

 
$
4,683

 
$
4,935

 
$
307

 
$
1,316

 
$
54,021



 
 
2016
 
 
 
 
 
 
Real Estate
 
 
 
 
 
 
 
 
(Dollars in thousands)
 
Commercial & industrial
 
Lease financing
 
Construction
 
Commercial
 
Residential
 
Home equity
 
Installment
 
Credit card
 
Total
Allowance for loan and lease losses
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Balance at beginning of year
 
$
16,995

 
$
821

 
$
1,810

 
$
23,656

 
$
4,014

 
$
3,943

 
$
386

 
$
1,773

 
$
53,398

Provision for loan and lease losses
 
3,705

 
(106
)
 
1,280

 
5,365

 
(655
)
 
(175
)
 
53

 
673

 
10,140

Gross charge-offs
 
(2,630
)
 
0

 
(93
)
 
(4,983
)
 
(387
)
 
(1,445
)
 
(386
)
 
(1,190
)
 
(11,114
)
Recoveries
 
1,155

 
1

 
285

 
2,502

 
236

 
720

 
335

 
303

 
5,537

Total net charge-offs
 
(1,475
)
 
1

 
192

 
(2,481
)
 
(151
)
 
(725
)
 
(51
)
 
(887
)
 
(5,577
)
Ending allowance for loan and lease losses
 
$
19,225

 
$
716

 
$
3,282

 
$
26,540

 
$
3,208

 
$
3,043

 
$
388

 
$
1,559

 
$
57,961
Allowance for Loan and Lease Losses by Classification
Changes in the ALLL by loan category as of December 31 were as follows:
  
 
2018
 
 
 
 
 
 
Real Estate
 
 
 
 
 
 
 
 
(Dollars in thousands)
 
Commercial & industrial
 
Lease financing
 
Construction
 
Commercial
 
Residential
 
Home equity
 
Installment
 
Credit card
 
Total
Allowance for loan and lease losses
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Balance at beginning of year
 
$
17,598

 
$
675

 
$
3,577

 
$
20,930

 
$
4,683

 
$
4,935

 
$
307

 
$
1,316

 
$
54,021

Provision for loan and lease losses
 
10,615

 
454

 
(310
)
 
847

 
492

 
829

 
(85
)
 
1,744

 
14,586

Gross charge-offs
 
(11,533
)
 
0

 
0

 
(4,835
)
 
(422
)
 
(1,725
)
 
(435
)
 
(1,720
)
 
(20,670
)
Recoveries
 
2,066

 
1

 
146

 
4,106

 
211

 
1,309

 
575

 
191

 
8,605

Total net charge-offs
 
(9,467
)
 
1

 
146

 
(729
)
 
(211
)
 
(416
)
 
140

 
(1,529
)
 
(12,065
)
Ending allowance for loan and lease losses
 
$
18,746

 
$
1,130

 
$
3,413

 
$
21,048

 
$
4,964

 
$
5,348

 
$
362

 
$
1,531

 
$
56,542


 
 
2017
 
 
 
 
 
 
Real Estate
 
 
 
 
 
 
 
 
(Dollars in thousands)
 
Commercial & industrial
 
Lease financing
 
Construction
 
Commercial
 
Residential
 
Home equity
 
Installment
 
Credit card
 
Total
Allowance for loan and lease losses
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Balance at beginning of year
 
$
19,225

 
$
716

 
$
3,282

 
$
26,540

 
$
3,208

 
$
3,043

 
$
388

 
$
1,559

 
$
57,961

Provision for loan and lease losses
 
6,917

 
(42
)
 
207

 
(7,291
)
 
1,695

 
1,778

 
(90
)
 
408

 
3,582

Gross charge-offs
 
(10,194
)
 
0

 
(1
)
 
(1,038
)
 
(435
)
 
(913
)
 
(225
)
 
(857
)
 
(13,663
)
Recoveries
 
1,650

 
1

 
89

 
2,719

 
215

 
1,027

 
234

 
206

 
6,141

Total net charge-offs
 
(8,544
)
 
1

 
88

 
1,681

 
(220
)
 
114

 
9

 
(651
)
 
(7,522
)
Ending allowance for loan and lease losses
 
$
17,598

 
$
675

 
$
3,577

 
$
20,930

 
$
4,683

 
$
4,935

 
$
307

 
$
1,316

 
$
54,021



 
 
2016
 
 
 
 
 
 
Real Estate
 
 
 
 
 
 
 
 
(Dollars in thousands)
 
Commercial & industrial
 
Lease financing
 
Construction
 
Commercial
 
Residential
 
Home equity
 
Installment
 
Credit card
 
Total
Allowance for loan and lease losses
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Balance at beginning of year
 
$
16,995

 
$
821

 
$
1,810

 
$
23,656

 
$
4,014

 
$
3,943

 
$
386

 
$
1,773

 
$
53,398

Provision for loan and lease losses
 
3,705

 
(106
)
 
1,280

 
5,365

 
(655
)
 
(175
)
 
53

 
673

 
10,140

Gross charge-offs
 
(2,630
)
 
0

 
(93
)
 
(4,983
)
 
(387
)
 
(1,445
)
 
(386
)
 
(1,190
)
 
(11,114
)
Recoveries
 
1,155

 
1

 
285

 
2,502

 
236

 
720

 
335

 
303

 
5,537

Total net charge-offs
 
(1,475
)
 
1

 
192

 
(2,481
)
 
(151
)
 
(725
)
 
(51
)
 
(887
)
 
(5,577
)
Ending allowance for loan and lease losses
 
$
19,225

 
$
716

 
$
3,282

 
$
26,540

 
$
3,208

 
$
3,043

 
$
388

 
$
1,559

 
$
57,961



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, 2018
 
 
 
 
 
 
Real Estate
 
 
 
 
 
 
 
 
(Dollars in thousands)
 
Commercial & industrial
 
Lease financing
 
Construction
 
Commercial
 
Residential
 
Home equity
 
Installment
 
Credit card
 
Total
Ending allowance on loans individually evaluated for impairment
 
$
667

 
$
0

 
$
0

 
$
461

 
$
32

 
$
0

 
$
0

 
$
0

 
$
1,160

Ending allowance on loans collectively evaluated for impairment
 
18,079

 
1,130

 
3,413

 
20,587

 
4,932

 
5,348

 
362

 
1,531

 
55,382

Ending allowance for loan and lease losses
 
$
18,746

 
$
1,130

 
$
3,413

 
$
21,048

 
$
4,964

 
$
5,348

 
$
362

 
$
1,531

 
$
56,542

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Loans and Leases
 
 

 
 
 
 

 
 

 
 

 
 

 
 
 
 

 
 

Ending balance of loans individually evaluated for impairment
 
$
37,633

 
$
22

 
$
9

 
$
25,022

 
$
17,598

 
$
6,351

 
$
174

 
$
0

 
$
86,809

Ending balance of loans collectively evaluated for impairment
 
2,477,028

 
93,393

 
548,926

 
3,729,659

 
938,048

 
810,931

 
93,038

 
46,382

 
8,737,405

Total loans
 
$
2,514,661

 
$
93,415

 
$
548,935

 
$
3,754,681

 
$
955,646

 
$
817,282

 
$
93,212

 
$
46,382

 
$
8,824,214



 
 
December 31, 2017
 
 
 
 
 
 
Real Estate
 
 
 
 
 
 
 
 
(Dollars in thousands)
 
Commercial & industrial
 
Lease financing
 
Construction
 
Commercial
 
Residential
 
Home equity
 
Installment
 
Credit card
 
Total
Ending allowance on loans individually evaluated for impairment
 
$
169

 
$
0

 
$
0

 
$
448

 
$
160

 
$
2

 
$
0

 
$
0

 
$
779

Ending allowance on loans collectively evaluated for impairment
 
17,429

 
675

 
3,577

 
20,482

 
4,523

 
4,933

 
307

 
1,316

 
53,242

Ending allowance for loan and lease losses
 
$
17,598

 
$
675

 
$
3,577

 
$
20,930

 
$
4,683

 
$
4,935

 
$
307

 
$
1,316

 
$
54,021

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Loans and Leases
 
 

 
 
 
 

 
 

 
 

 
 

 
 
 
 

 
 

Ending balance of loans individually evaluated for impairment
 
$
7,331

 
$
82

 
$
29

 
$
21,542

 
$
7,932

 
$
4,456

 
$
255

 
$
0

 
$
41,627

Ending balance of loans collectively evaluated for impairment
 
1,905,412

 
89,265

 
467,701

 
2,468,549

 
463,459

 
489,148

 
41,331

 
46,691

 
5,971,556

Total loans
 
$
1,912,743

 
$
89,347

 
$
467,730

 
$
2,490,091

 
$
471,391

 
$
493,604

 
$
41,586

 
$
46,691

 
$
6,013,183