Commitments and Contingencies (Tables)

9 Months Ended

Sep. 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)	Sep 30, 2020	Dec 31, 2019
Financial instruments whose contract amounts represent credit risk (unfunded commitments):
Commitments to extend credit:
Commercial loans	$448,803	$471,338
Home equity lines	311,603	295,687
Other loans	79,706	88,613
Standby letters of credit	10,331	13,710
Financial instruments whose notional amounts exceed the amounts of credit risk:
Mortgage loan commitments:
Interest rate lock commitments	180,095	51,439
Forward sale commitments	312,074	94,829
Loan related derivative contracts:
Interest rate swaps with customers	995,661	813,458
Mirror swaps with counterparties	995,661	813,458
Risk participation-in agreements	92,937	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 September 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	$887	$1,207	$2,094	$42	$—	$19	$19	$2,155
Provision	(30)	60	30	(5)	—	—	—	25
Ending Balance	$857	$1,267	$2,124	$37	$—	$19	$19	$2,180

The activity in the ACL on unfunded commitments for the nine months ended September 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	(96)	497	401	(3)	—	6	6	404
Ending Balance	$857	$1,267	$2,124	$37	$—	$19	$19	$2,180

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