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Loans (Tables)
 3 Months Ended
Mar. 31, 2019
Receivables [Abstract]  
Schedule of Loan Portfolio The detail of the loan portfolio as of March 31, 2019 and December 31, 2018 was as follows: 
 
March 31, 2019
 
December 31, 2018
 
Non-PCI
Loans
 
PCI Loans
 
Total
 
Non-PCI
Loans
 
PCI Loans
 
Total
 
(in thousands)
Loans:
 
 
 
 
 
 
 
 
 
 
 
Commercial and industrial
$
3,786,742

 
$
718,185

 
$
4,504,927

 
$
3,590,375

 
$
740,657

 
$
4,331,032

Commercial real estate:
 
 
 
 
 
 
 
 
 
 
 
Commercial real estate
10,189,388

 
2,476,037

 
12,665,425

 
9,912,309

 
2,494,966

 
12,407,275

Construction
1,199,741

 
254,458

 
1,454,199

 
1,122,348

 
365,784

 
1,488,132

  Total commercial real estate loans
11,389,129

 
2,730,495

 
14,119,624

 
11,034,657

 
2,860,750

 
13,895,407

Residential mortgage
3,660,983

 
410,254

 
4,071,237

 
3,682,984

 
428,416

 
4,111,400

Consumer:
 
 
 
 
 
 
 
 
 
 
 
Home equity
381,217

 
131,849

 
513,066

 
371,340

 
145,749

 
517,089

Automobile
1,347,405

 
354

 
1,347,759

 
1,319,206

 
365

 
1,319,571

Other consumer
853,302

 
13,203

 
866,505

 
846,821

 
14,149

 
860,970

Total consumer loans
2,581,924

 
145,406

 
2,727,330

 
2,537,367

 
160,263

 
2,697,630

Total loans
$
21,418,778

 
$
4,004,340

 
$
25,423,118

 
$
20,845,383

 
$
4,190,086

 
$
25,035,469
Changes in Accretable Yield for PCI Loans The following table presents changes in the accretable yield for PCI loans during the three months ended March 31, 2019 and 2018:
 
Three Months Ended
March 31,
 
2019
 
2018
 
(in thousands)
Balance, beginning of period
$
875,958

 
$
282,009

Acquisition
—

 
559,907

Accretion
(53,492
)
 
(65,131
)
Net increase in expected cash flows
68,305

 
—

Balance, end of period
$
890,771

 
$
776,785
Past Due, Non-Accrual and Current Loans by Loan Portfolio Class The following table presents past due, non-accrual and current loans (excluding PCI loans, which are accounted for on a pool basis) by loan portfolio class at March 31, 2019 and December 31, 2018: 
 
Past Due and Non-Accrual Loans
 
 
 
 
 
30-59
Days
Past Due
Loans
 
60-89
Days
Past Due
Loans
 
Accruing Loans
90 Days or More
Past Due
 
Non-Accrual
Loans
 
Total
Past Due
Loans
 
Current
Non-PCI
Loans
 
Total
Non-PCI
Loans
 
(in thousands)
March 31, 2019
 
 
 
 
 
 
 
 
 
 
 
 
 
Commercial and industrial
$
5,120

 
$
1,756

 
$
2,670

 
$
76,270

 
$
85,816

 
$
3,700,926

 
$
3,786,742

Commercial real estate:
 
 
 
 
 
 
 
 
 
 
 
 
 
Commercial real estate
39,362

 
2,156

 
—

 
2,663

 
44,181

 
10,145,207

 
10,189,388

Construction
1,911

 
—

 
—

 
378

 
2,289

 
1,197,452

 
1,199,741

Total commercial real estate loans
41,273

 
2,156

 
—

 
3,041

 
46,470

 
11,342,659

 
11,389,129

Residential mortgage
15,856

 
3,635

 
1,402

 
11,921

 
32,814

 
3,628,169

 
3,660,983

Consumer loans:
 
 
 
 
 
 
 
 
 
 
 
 
 
Home equity
797

 
19

 
—

 
1,806

 
2,622

 
378,595

 
381,217

Automobile
5,024

 
917

 
513

 
148

 
6,602

 
1,340,803

 
1,347,405

Other consumer
826

 
54

 
10

 
224

 
1,114

 
852,188

 
853,302

Total consumer loans
6,647

 
990

 
523

 
2,178

 
10,338

 
2,571,586

 
2,581,924

Total
$
68,896

 
$
8,537

 
$
4,595

 
$
93,410

 
$
175,438

 
$
21,243,340

 
$
21,418,778

December 31, 2018
 
 
 
 
 
 
 
 
 
 
 
 
 
Commercial and industrial
$
13,085

 
$
3,768

 
$
6,156

 
$
70,096

 
$
93,105

 
$
3,497,270

 
$
3,590,375

Commercial real estate:
 
 
 
 
 
 
 
 
 
 
 
 
 
Commercial real estate
9,521

 
530

 
27

 
2,372

 
12,450

 
9,899,859

 
9,912,309

Construction
2,829

 
—

 
—

 
356

 
3,185

 
1,119,163

 
1,122,348

Total commercial real estate loans
12,350

 
530

 
27

 
2,728

 
15,635

 
11,019,022

 
11,034,657

Residential mortgage
16,576

 
2,458

 
1,288

 
12,917

 
33,239

 
3,649,745

 
3,682,984

Consumer loans:
 
 
 
 
 
 
 
 
 
 
 
 
 
Home equity
872

 
40

 
—

 
2,156

 
3,068

 
368,272

 
371,340

Automobile
7,973

 
1,299

 
308

 
80

 
9,660

 
1,309,546

 
1,319,206

Other consumer
895

 
47

 
33

 
419

 
1,394

 
845,427

 
846,821

Total consumer loans
9,740

 
1,386

 
341

 
2,655

 
14,122

 
2,523,245

 
2,537,367

Total
$
51,751

 
$
8,142

 
$
7,812

 
$
88,396

 
$
156,101

 
$
20,689,282

 
$
20,845,383
Impaired Loans by Loan Portfolio Class The following table presents information about impaired loans by loan portfolio class at March 31, 2019 and December 31, 2018:
 
Recorded
Investment
With No Related
Allowance
 
Recorded
Investment
With Related
Allowance
 
Total
Recorded
Investment
 
Unpaid
Contractual
Principal
Balance
 
Related
Allowance
 
(in thousands)
March 31, 2019
 
 
 
 
 
 
 
 
 
Commercial and industrial
$
12,658

 
$
93,412

 
$
106,070

 
$
116,256

 
$
31,508

Commercial real estate:
 
 
 
 
 
 
 
 
 
Commercial real estate
17,046

 
26,395

 
43,441

 
45,473

 
2,615

Construction
414

 
—

 
414

 
416

 
—

Total commercial real estate loans
17,460

 
26,395

 
43,855

 
45,889

 
2,615

Residential mortgage
6,181

 
6,512

 
12,693

 
13,769

 
676

Consumer loans:
 
 
 
 
 
 
 
 
 
Home equity
324

 
574

 
898

 
997

 
51

Total consumer loans
324

 
574

 
898

 
997

 
51

Total
$
36,623

 
$
126,893

 
$
163,516

 
$
176,911

 
$
34,850

December 31, 2018
 
 
 
 
 
 
 
 
 
Commercial and industrial
$
8,339

 
$
89,513

 
$
97,852

 
$
104,007

 
$
29,684

Commercial real estate:
 
 
 
 
 
 
 
 
 
Commercial real estate
16,732

 
25,606

 
42,338

 
44,337

 
2,615

Construction
803

 
457

 
1,260

 
1,260

 
13

Total commercial real estate loans
17,535

 
26,063

 
43,598

 
45,597

 
2,628

Residential mortgage
7,826

 
6,078

 
13,904

 
14,948

 
600

Consumer loans:
 
 
 
 
 
 
 
 
 
Home equity
125

 
1,146

 
1,271

 
1,366

 
113

Total consumer loans
125

 
1,146

 
1,271

 
1,366

 
113

Total
$
33,825

 
$
122,800

 
$
156,625

 
$
165,918

 
$
33,025
Average Recorded Investment and Interest Income Recognized on Impaired Loans The following table presents, by loan portfolio class, the average recorded investment and interest income recognized on impaired loans for the three months ended March 31, 2019 and 2018: 
 
Three Months Ended March 31,
 
2019
 
2018
 
Average
Recorded
Investment
 
Interest
Income
Recognized
 
Average
Recorded
Investment
 
Interest
Income
Recognized
 
(in thousands)
Commercial and industrial
$
117,089

 
$
571

 
$
90,069

 
$
714

Commercial real estate:
 
 
 
 
 
 
 
Commercial real estate
44,789

 
719

 
55,493

 
616

Construction
822

 
1

 
2,217

 
23

Total commercial real estate loans
45,611

 
720

 
57,710

 
639

Residential mortgage
13,898

 
143

 
14,098

 
165

Consumer loans:
 
 
 
 
 
 
 
Home equity
1,136

 
11

 
2,026

 
33

Total consumer loans
1,136

 
11

 
2,026

 
33

Total
$
177,734

 
$
1,445

 
$
163,903

 
$
1,551
Pre-Modification and Post-Modification Outstanding Recorded Investments and Non-PCI Loans that Subsequently Defaulted The following table presents non-PCI loans by loan class modified as TDRs during the three months ended March 31, 2019 and 2018. The pre-modification and post-modification outstanding recorded investments disclosed in the tables below represent the loan carrying amounts immediately prior to the modification and the carrying amounts at March 31, 2019 and 2018, respectively. 

 
 
Three Months Ended March 31,
 
 
2019
 
2018
Troubled Debt Restructurings
 
Number
of
Contracts
 
Pre-Modification
Outstanding
Recorded
Investment
 
Post-Modification
Outstanding
Recorded
Investment
 
Number
of
Contracts
 
Pre-Modification
Outstanding
Recorded
Investment
 
Post-Modification
Outstanding
Recorded
Investment
 
 
($ in thousands)
Commercial and industrial
 
36

 
$
23,553

 
$
23,241

 
6

 
$
3,908

 
$
3,777

Commercial real estate:
 
 
 
 
 
 
 
 
 
 
 
 
Commercial real estate
 
1

 
1,597

 
1,597

 
1

 
196

 
195

Construction
 
—

 
—

 
—

 
1

 
32

 
23

Total commercial real estate
 
1

 
1,597

 
1,597

 
2

 
228

 
218

Residential mortgage
 
—

 
—

 
—

 
3

 
587

 
581

Consumer
 
—

 
—

 
—

 
1

 
88

 
86

Total
 
37

 
$
25,150

 
$
24,838

 
12

 
$
4,811

 
$
4,662


The non-PCI loans modified as TDRs within the previous 12 months and for which there was a payment default (90 or more days past due) for the three months ended March 31, 2019 and 2018 were as follows:

 
 
Three Months Ended March 31,
 
 
2019
 
2018
Troubled Debt Restructurings Subsequently Defaulted
 
Number of
Contracts
 
Recorded
Investment
 
Number of
Contracts
 
Recorded
Investment
 
 
($ in thousands)
Commercial and industrial
 
10

 
$
8,626

 
—

 
$
—

Commercial real estate
 
—

 
—

 
1

 
165

Residential mortgage
 
5

 
702

 
—

 
—

Consumer
 
1

 
18

 
—

 
—

Total
 
16

 
$
9,346

 
1

 
$
165
Risk Category of Loans The following table presents the credit exposure by internally assigned risk rating by class of loans (excluding PCI loans) at March 31, 2019 and December 31, 2018 based on the most recent analysis performed:

Credit exposure - by internally assigned risk rating
 
Pass
 
Special
Mention
 
Substandard
 
Doubtful
 
Total Non-PCI Loans
 
 
(in thousands)
March 31, 2019
 
 
 
 
 
 
 
 
 
 
Commercial and industrial
 
$
3,595,459

 
$
37,340

 
$
80,011

 
$
73,932

 
$
3,786,742

Commercial real estate
 
10,098,803

 
45,373

 
44,279

 
933

 
10,189,388

Construction
 
1,197,680

 
1,684

 
377

 
—

 
1,199,741

Total
 
$
14,891,942

 
$
84,397

 
$
124,667

 
$
74,865

 
$
15,175,871

December 31, 2018
 
 
 
 
 
 
 
 
 
 
Commercial and industrial
 
$
3,399,426

 
$
31,996

 
$
92,320

 
$
66,633

 
$
3,590,375

Commercial real estate
 
9,828,744

 
30,892

 
51,710

 
963

 
9,912,309

Construction
 
1,121,321

 
215

 
812

 
—

 
1,122,348

Total
 
$
14,349,491

 
$
63,103

 
$
144,842

 
$
67,596

 
$
14,625,032
Recorded Investment in Loan Classes Based on Payment Activity The following table presents the recorded investment in those loan classes based on payment activity as of March 31, 2019 and December 31, 2018: 
Credit exposure - by payment activity
 
Performing
Loans
 
Non-Performing
Loans
 
Total Non-PCI
Loans
 
 
(in thousands)
March 31, 2019
 
 
 
 
 
 
Residential mortgage
 
$
3,649,062

 
$
11,921

 
$
3,660,983

Home equity
 
379,411

 
1,806

 
381,217

Automobile
 
1,347,257

 
148

 
1,347,405

Other consumer
 
853,078

 
224

 
853,302

Total
 
$
6,228,808

 
$
14,099

 
$
6,242,907

December 31, 2018
 
 
 
 
 
 
Residential mortgage
 
$
3,670,067

 
$
12,917

 
$
3,682,984

Home equity
 
369,184

 
2,156

 
371,340

Automobile
 
1,319,126

 
80

 
1,319,206

Other consumer
 
846,402

 
419

 
846,821

Total
 
$
6,204,779

 
$
15,572

 
$
6,220,351

The following table presents the recorded investment in PCI loans by class based on individual loan payment activity as of March 31, 2019 and December 31, 2018:
Credit exposure - by payment activity
 
Performing
Loans
 
Non-Performing
Loans
 
Total
PCI Loans
 
 
(in thousands)
March 31, 2019
 
 
 
 
 
 
Commercial and industrial
 
$
690,301

 
$
27,884

 
$
718,185

Commercial real estate
 
2,455,693

 
20,344

 
2,476,037

Construction
 
253,476

 
982

 
254,458

Residential mortgage
 
405,111

 
5,143

 
410,254

Consumer
 
143,577

 
1,829

 
145,406

Total
 
$
3,948,158

 
$
56,182

 
$
4,004,340

December 31, 2018
 
 
 
 
 
 
Commercial and industrial
 
$
710,045

 
$
30,612

 
$
740,657

Commercial real estate
 
2,478,990

 
15,976

 
2,494,966

Construction
 
364,815

 
969

 
365,784

Residential mortgage
 
421,609

 
6,807

 
428,416

Consumer
 
158,502

 
1,761

 
160,263

Total
 
$
4,133,961

 
$
56,125

 
$
4,190,086