Commitments and Contingencies (Tables)

6 Months Ended

Jun. 30, 2020

Commitments and Contingencies Disclosure [Abstract]

Financial Instruments with Off Balance Sheet Risk

The following table presents the contractual and notional amounts of financial instruments with off-balance sheet risk:

(Dollars in thousands)	Jun 30, 2020		Dec 31, 2019
Financial instruments whose contract amounts represent credit risk:
Commitments to extend credit:
Commercial loans		$457,035		$471,338
Home equity lines	311,474		295,687
Other loans	100,549		88,613
Standby letters of credit	10,101		13,710
Financial instruments whose notional amounts exceed the amounts of credit risk:
Mortgage loan commitments:
Interest rate lock commitments	203,522		51,439
Forward sale commitments	291,690		94,829
Loan related derivative contracts:
Interest rate swaps with customers	958,628		813,458
Mirror swaps with counterparties	958,628		813,458
Risk participation-in agreements	93,146		72,866
Interest rate risk management contracts:
Interest rate swaps	60,000		60,000

Allowance for Credit Losses on Unfunded Commitments Rollforward

The activity in the ACL on unfunded commitments for the three months ended June 30, 2020 is presented below:

(Dollars in thousands)	Commercial									Consumer
	CRE			C&I		Total Commercial		Residential Real Estate		Home Equity		Other		Total Consumer		Total
Beginning Balance		$1,132			$847		$1,979		$42		$—		$18		$18		$2,039
Provision	(245		)	360		115		—		—		1		1		116
Ending Balance		$887			$1,207		$2,094		$42		$—		$19		$19		$2,155

The activity in the ACL on unfunded commitments for the six months ended June 30, 2020 is presented below:

(Dollars in thousands)	Commercial									Consumer
	CRE			C&I		Total Commercial		Residential Real Estate		Home Equity		Other		Total Consumer		Total
Beginning Balance		$136			$144		$280		$6		$—		$7		$7		$293
Adoption of Topic 326 (1)	817			626		1,443		34		—		6		6		1,483
Provision	(66		)	437		371		2		—		6		6		379
Ending Balance		$887			$1,207		$2,094		$42		$—		$19		$19		$2,155

(1)

Adoption of the CECL accounting standard effective January 1, 2020.