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Loans Loans (Tables)
 6 Months Ended
Jun. 30, 2020
Receivables [Abstract]  
Loan composition
The period end loan composition was as follows:
($ in Thousands)June 30, 2020December 31, 2019
PPP$1,012,033  $—  
Commercial and industrial7,968,709  7,354,594  
Commercial real estate — owner occupied914,385  911,265  
Commercial and business lending9,895,127  8,265,858  
Commercial real estate — investor4,174,125  3,794,517  
Real estate construction1,708,189  1,420,900  
Commercial real estate lending5,882,314  5,215,417  
Total commercial15,777,441  13,481,275  
Residential mortgage7,933,518  8,136,980  
Home equity795,671  852,025  
Other consumer326,040  351,159  
Total consumer9,055,230  9,340,164  
Total loans$24,832,671  $22,821,440  
Commercial and consumer loans by credit quality indicator
The following table presents commercial and consumer loans by credit quality indicator by vintage year at June 30, 2020:
Term Loans Amortized Cost Basis by Origination Year(a)
($ in Thousands)
Rev Loans Converted to Term(a)
Rev Loans Amortized Cost BasisYTD 20202019201820172016PriorTotal
PPP:(b)
Risk rating:
Pass$—  $—  $985,462  $—  $—  $—  $—  $—  $985,462  
Special Mention—  —  7,409  —  —  —  —  —  7,409  
Potential Problem—  —  19,161  —  —  —  —  —  19,161  
Paycheck Protection Program$—  $—  $1,012,033  $—  $—  $—  $—  $—  $1,012,033  
Commercial and industrial:
Risk rating:
Pass$20  $1,832,797  $929,266  $1,759,308  $1,650,024  $597,967  $361,006  $531,995  $7,662,364  
Special Mention—  12,802  379  23,783  7,299  15  5,541  17  49,836  
Potential Problem(c)
517  12,963  17,235  16,544  66,699  52,176  8,492  2,162  176,270  
Nonaccrual(d)
14,465  —  1,597  7,140  188  24,550  16,624  30,141  80,239  
Commercial and industrial$15,003  $1,858,562  $948,477  $1,806,776  $1,724,210  $674,708  $391,662  $564,314  $7,968,709  
Commercial real estate - owner occupied:
Risk rating:
Pass$1,150  $17,897  $94,106  $213,234  $131,748  $121,963  $166,366  $111,790  $857,103  
Special Mention—  —  2,450  16,317  12,776  128  2,439  5,321  39,432  
Potential Problem—  77  661  1,409  1,923  2,461  6,106  3,281  15,919  
Nonaccrual—  —  —  —  223  335  —  1,374  1,932  
Commercial real estate - owner occupied$1,150  $17,973  $97,217  $230,960  $146,670  $124,887  $174,911  $121,768  $914,385  
Commercial and business lending:
Risk rating:
Pass$1,170  $1,850,694  $2,008,834  $1,972,542  $1,781,772  $719,930  $527,371  $643,786  $9,504,929  
Special Mention—  12,802  10,239  40,100  20,075  143  7,979  5,338  96,677  
Potential Problem(c)
517  13,040  37,058  17,953  68,622  54,637  14,598  5,443  211,350  
Nonaccrual(d)
14,465  —  1,597  7,140  411  24,884  16,624  31,515  82,171  
Commercial and business lending$16,153  $1,876,535  $2,057,727  $2,037,736  $1,870,880  $799,595  $566,572  $686,082  $9,895,127  
Commercial real estate - investor:
Risk rating:
Pass$—  $176,047  $847,031  $1,083,145  $836,244  $378,098  $400,279  $288,644  $4,009,488  
Special Mention—  —  12,886  4,869  17,098  3,686  17,180  9,509  65,228  
Potential Problem—  803  14,703  52,762  3,313  314  1,796  14,547  88,237  
Nonaccrual446  —  395  10,256  446  —  —  75  11,172  
Commercial real estate - investor$446  $176,850  $875,014  $1,151,033  $857,101  $382,098  $419,255  $312,775  $4,174,125  
Real estate construction:
Risk rating:
Pass$—  $67,584  $279,683  $810,738  $434,146  $69,790  $3,095  $22,066  $1,687,100  
Special Mention—  —  —  —  18,402  —  —  12  18,414  
Potential Problem—  —  —  211  358  1,557  —  45  2,170  
Nonaccrual—  —  —  —  —  —  —  503  503  
Real estate construction$—  $67,584  $279,683  $810,949  $452,906  $71,346  $3,095  $22,627  $1,708,189  
Commercial real estate lending:
Risk rating:
Pass$—  $243,630  $1,126,713  $1,893,883  $1,270,390  $447,888  $403,374  $310,710  $5,696,589  
Special Mention—  —  12,886  4,869  35,500  3,686  17,180  9,522  83,643  
Potential Problem—  803  14,703  52,973  3,670  1,870  1,796  14,592  90,407  
Nonaccrual446  —  395  10,256  446  —  —  578  11,675  
Commercial real estate lending$446  $244,433  $1,154,696  $1,961,982  $1,310,007  $453,444  $422,349  $335,402  $5,882,314  
Term Loans Amortized Cost Basis by Origination Year(a)
($ in Thousands)
Rev Loans Converted to Term(a)
Rev Loans Amortized Cost BasisYTD 20202019201820172016PriorTotal
Total commercial:
Risk rating:
Pass$1,170  $2,094,324  $3,135,547  $3,866,425  $3,052,162  $1,167,818  $930,746  $954,496  $15,201,517  
Special Mention—  12,802  23,125  44,969  55,576  3,829  25,159  14,860  180,320  
Potential Problem517  13,843  51,760  70,927  72,292  56,507  16,393  20,035  301,758  
Nonaccrual14,911  —  1,992  17,397  857  24,884  16,624  32,093  93,846  
Total commercial$16,599  $2,120,969  $3,212,424  $3,999,718  $3,180,887  $1,253,039  $988,922  $1,021,484  $15,777,441  
Residential mortgage:
Risk rating:
Pass$—  $90  $943,953  $1,726,616  $766,921  $1,274,176  $1,160,820  $1,990,617  $7,863,194  
Special Mention—  —  —  —  270  —  36  206  511  
Potential Problem—  —  780  707  205  212  226  1,028  3,157  
Nonaccrual—  —  1,758  3,659  6,953  8,434  10,798  35,055  66,656  
Residential mortgage$—  $90  $946,490  $1,730,982  $774,348  $1,282,822  $1,171,880  $2,026,905  $7,933,518  
Home equity:
Risk rating:
Pass$2,005  $631,366  $1,746  $16,439  $21,034  $15,073  $7,510  $88,904  $782,073  
Special Mention233  199  —  —  16  24  —  610  849  
Potential Problem—  1,775  —  —  —  —  —  146  1,921  
Nonaccrual586  673  297  124  491  387  233  8,623  10,829  
Home equity$2,824  $634,013  $2,044  $16,564  $21,541  $15,484  $7,743  $98,282  $795,671  
Other consumer:
Risk rating:
Pass$15  $168,601  $4,497  $14,764  $5,581  $2,811  $2,015  $126,920  $325,190  
Special Mention1  530  —  30  6  —  —  7  574  
Nonaccrual7  84  10  53  22  —  78  30  276  
Other consumer$22  $169,215  $4,507  $14,847  $5,610  $2,811  $2,094  $126,957  $326,040  
Total consumer:
Risk rating:
Pass$2,020  $800,057  $950,196  $1,757,820  $793,537  $1,292,060  $1,170,346  $2,206,441  $8,970,456  
Special Mention234  729  —  30  292  24  36  823  1,934  
Potential Problem—  1,775  780  707  205  212  226  1,174  5,078  
Nonaccrual593  757  2,065  3,836  7,466  8,821  11,110  43,707  77,761  
Total consumer$2,846  $803,318  $953,041  $1,762,393  $801,499  $1,301,117  $1,181,717  $2,252,145  $9,055,230  
Total loans:
Risk rating:
Pass$3,190  $2,894,381  $4,085,744  $5,624,245  $3,845,698  $2,459,878  $2,101,091  $3,160,936  $24,171,974  
Special Mention234  13,531  23,125  44,999  55,868  3,854  25,195  15,683  182,254  
Potential Problem517  15,618  52,540  71,634  72,497  56,719  16,619  21,209  306,836  
Nonaccrual15,504  757  4,056  21,232  8,323  33,705  27,733  75,800  171,607  
Total loans$19,445  $2,924,286  $4,165,465  $5,762,111  $3,982,386  $2,554,155  $2,170,639  $3,273,628  $24,832,671  
(a) Revolving loans converted to term loans are also reported in their year of origination
(b) The Corporation’s policy is to assign risk ratings at the borrower level. PPP loans are 100% guaranteed by the SBA and therefore the Corporation considers these loans to have a risk profile similar to pass rated loans.
(c) Includes $63 million of oil and gas related loans
(d) Includes $50 million of oil and gas related loans
The following table presents commercial and consumer loans by credit quality indicator at December 31, 2019:
($ in Thousands)PassSpecial MentionPotential ProblemNonaccrualTotal
Commercial and industrial$7,118,448  $79,525  $110,308  $46,312  $7,354,594  
Commercial real estate - owner occupied866,193  25,115  19,889  67  911,265  
Commercial and business lending7,984,641  104,641  130,197  46,380  8,265,858  
Commercial real estate - investor3,620,785  139,873  29,449  4,409  3,794,517  
Real estate construction1,420,374  33  —  493  1,420,900  
Commercial real estate lending5,041,159  139,906  29,449  4,902  5,215,417  
Total commercial13,025,800  244,547  159,646  51,282  13,481,275  
Residential mortgage8,077,122  563  1,451  57,844  8,136,980  
Home equity841,757  1,164  —  9,104  852,025  
Other consumer350,260  748  —  152  351,159  
Total consumer9,269,139  2,475  1,451  67,099  9,340,164  
Total loans$22,294,939  $247,022  $161,097  $118,380  $22,821,440  
Summarized details of Loans
The following table presents loans by past due status at June 30, 2020:
Accruing
($ in Thousands)
Current(a)
30-59 Days
Past Due		60-89 Days
Past Due		90 Days or
More
Past Due
Nonaccrual(b)(c)
Total
PPP$1,012,033  $—  $—  $—  $—  $1,012,033  
Commercial and industrial7,887,369  274  442  385  80,239  7,968,709  
Commercial real estate - owner occupied912,254  199  —  —  1,932  914,385  
Commercial and business lending9,811,656  473  442  385  82,171  9,895,127  
Commercial real estate - investor4,149,079  2,886  10,989  —  11,172  4,174,125  
Real estate construction1,707,300  373  12  —  503  1,708,189  
Commercial real estate lending5,856,379  3,259  11,001  —  11,675  5,882,314  
Total commercial15,668,035  3,732  11,443  385  93,846  15,777,441  
Residential mortgage7,863,839  2,789  233  —  66,656  7,933,518  
Home equity781,735  2,259  849  —  10,829  795,671  
Other consumer323,201  883  599  1,081  276  326,040  
Total consumer8,968,775  5,932  1,681  1,081  77,761  9,055,230  
Total loans$24,636,810  $9,664  $13,125  $1,466  $171,607  $24,832,671  
(a) Any deferred loans related to COVID-19 are considered current in accordance with Section 4013 of the CARES Act.
(b) Of the total nonaccrual loans, $117 million, or 68%, were current with respect to payment at June 30, 2020.
(c) No interest income was recognized on nonaccrual loans for both the three and six months ended June 30, 2020. In addition, there were $91 million of nonaccrual loans for which there was no related ACLL at June 30, 2020.
The following table presents loans by past due status at December 31, 2019:
Accruing
($ in Thousands)Current30-59 Days
Past Due		60-89 Days
Past Due		90 Days or
More
Past Due
Nonaccrual(a)
Total
Commercial and industrial$7,307,118  $576  $245  $342  $46,312  $7,354,594  
Commercial real estate - owner occupied909,828  1,369  —  —  67  911,265  
Commercial and business lending8,216,947  1,945  245  342  46,380  8,265,858  
Commercial real estate - investor3,788,296  1,812  —  —  4,409  3,794,517  
Real estate construction1,420,310  64  33  —  493  1,420,900  
Commercial real estate lending5,208,606  1,876  33  —  4,902  5,215,417  
Total commercial13,425,552  3,821  278  342  51,282  13,481,275  
Residential mortgage8,069,863  8,749  525  —  57,844  8,136,980  
Home equity837,274  4,483  1,164  —  9,104  852,025  
Other consumer347,007  1,135  949  1,917  152  351,159  
Total consumer9,254,144  14,366  2,638  1,917  67,099  9,340,164  
Total loans$22,679,696  $18,188  $2,916  $2,259  $118,380  $22,821,440  
(a) Of the total nonaccrual loans, $48 million, or 41%, were current with respect to payment at December 31, 2019.
Summarized details of impaired Loans
The following table presents impaired loans individually evaluated under ASC Topic 310, excluding $2 million of purchased credit-impaired loans, at December 31, 2019: 
($ in Thousands)Recorded
Investment		Unpaid
Principal
Balance		Related
Allowance		Average
Recorded
Investment		Interest
Income
Recognized
Loans with a related allowance
Commercial and industrial$47,249  $63,346  $12,010  $45,290  $1,832  
Commercial real estate — owner occupied1,676  1,682  19  1,774  88  
Commercial and business lending48,924  65,028  12,029  47,064  1,919  
Commercial real estate — investor928  2,104  15  950  15  
Real estate construction477  559  67  494  30  
Commercial real estate lending1,405  2,663  82  1,445  45  
Total commercial50,329  67,691  12,111  48,509  1,965  
Residential mortgage21,450  22,625  2,740  23,721  856  
Home equity3,076  3,468  1,190  3,756  191  
Other consumer1,247  1,249  125  1,250  1  
Total consumer25,773  27,342  4,055  28,726  1,047  
Total loans with a related allowance$76,102  $95,033  $16,165  $77,235  $3,012  
Loans with no related allowance
Commercial and industrial$14,787  $33,438  $—  $20,502  $63  
Commercial real estate — owner occupied—  —  —  —  —  
Commercial and business lending14,787  33,438  —  20,502  63  
Commercial real estate — investor3,705  3,705  —  3,980  159  
Real estate construction—  —  —  —  —  
Commercial real estate lending3,705  3,705  —  3,980  159  
Total commercial18,491  37,142  —  24,482  222  
Residential mortgage14,104  14,461  —  10,962  373  
Home equity1,346  1,383  —  1,017  21  
Other consumer—  —  —  —  —  
Total consumer15,450  15,845  —  11,979  394  
Total loans with no related allowance$33,941  $52,987  $—  $36,462  $616  
Total
Commercial and industrial$62,035  $96,784  $12,010  $65,792  $1,895  
Commercial real estate — owner occupied1,676  1,682  19  1,774  88  
Commercial and business lending63,711  98,466  12,029  67,566  1,982  
Commercial real estate — investor4,633  5,808  15  4,931  174  
Real estate construction477  559  67  494  30  
Commercial real estate lending5,110  6,367  82  5,425  204  
Total commercial68,820  104,833  12,111  72,991  2,186  
Residential mortgage35,554  37,087  2,740  34,683  1,229  
Home equity4,422  4,851  1,190  4,773  211  
Other consumer1,247  1,249  125  1,250  1  
Total consumer41,223  43,187  4,055  40,706  1,441  
Total loans(a)
$110,043  $148,020  $16,165  $113,697  $3,628  
(a) The net recorded investment (defined as recorded investment, net of the related allowance) of the impaired loans represented 63% of the unpaid principal balance at December 31, 2019.
Nonaccrual and performing restructured loans
The following table presents nonaccrual and performing restructured loans by loan portfolio:
 June 30, 2020December 31, 2019
 ($ in Thousands)Performing
Restructured
Loans
Nonaccrual
Restructured
Loans(a)
Performing
Restructured
Loans
Nonaccrual
Restructured
Loans(a)
PPP$—  $—  $—  $—  
Commercial and industrial16,321  7,968  16,678  7,376  
Commercial real estate — owner occupied1,441  —  1,676  —  
Commercial real estate — investor114  395  293  —  
Real estate construction313  173  298  179  
Residential mortgage4,178  15,401  3,955  13,035  
Home equity1,717  1,424  1,896  1,904  
Other consumer1,219  —  1,246  1  
   Total restructured loans(b)
$25,303  $25,362  $26,041  $22,494  
(a) Nonaccrual restructured loans have been included within nonaccrual loans.
(b) Does not include any restructured loans related to COVID-19 in accordance with Section 4013 of the CARES Act.
Summary of restructured loans The following table provides the number of loans modified in a TDR by loan portfolio, the recorded investment and unpaid principal balance for the six months ended June 30, 2020 and 2019:
 Six Months Ended June 30, 2020Six Months Ended June 30, 2019
 ($ in Thousands)Number
of
Loans
Recorded
Investment(a)
Unpaid
Principal
Balance(b)
Number
of
Loans
Recorded
Investment(a)
Unpaid
Principal
Balance(b)
PPP—  $—  $—  —  $—  $—  
Commercial and industrial2  1,112  1,140  1  196  196  
Commercial real estate — owner occupied1  288  319  —  —  —  
Commercial real estate — investor1  395  1,705  —  —  —  
Real estate construction1  102  102  —  —  —  
Residential mortgage24  5,163  5,237  38  5,665  5,682  
Home equity15  471  483  18  499  506  
Other consumer—  —  —  1  10  10  
   Total loans modified 44  $7,531  $8,986  58  $6,370  $6,394  
(a) Represents post-modification outstanding recorded investment.
(b) Represents pre-modification outstanding recorded investment.
Troubled debt restructurings subsequent redefault
The following table provides the number of loans modified in a TDR during the previous twelve months which subsequently defaulted during the six months ended June 30, 2020 and 2019 and the recorded investment in these restructured loans as of June 30, 2020 and 2019:
 Six Months Ended June 30, 2020Six Months Ended June 30, 2019
 ($ in Thousands)Number of
Loans		Recorded
Investment		Number of
Loans		Recorded
Investment
Residential mortgage5  $1,036  16  $2,813  
Home equity4  208  14  477  
   Total loans modified9  $1,244  30  $3,290  
Changes in the allowance for loan losses by portfolio segment
The following table presents a summary of the changes in the ACLL by portfolio segment for the six months ended June 30, 2020:
($ in Thousands)Dec. 31, 2019Cumulative effect of ASU 2016-13 adoption (CECL)Jan. 1, 2020Charge offsRecoveriesNet Charge offsGross up of allowance for PCD loans at acquisitionProvision recorded at acquisitionProvision for loan lossesJune 30, 2020ACLL / Loans
Allowance for loan losses
PPP$—  $—  $—  $—  $—  $—  $—  $—  $808  $808  
Commercial and industrial91,133  52,919  144,052  (42,183) 2,215  (39,968) 293  408  70,767  175,553  
Commercial real estate — owner occupied10,284  (1,851) 8,433  —  1  1  890  255  736  10,315  
Commercial and business lending101,417  51,068  152,485  (42,183) 2,216  (39,967) 1,183  663  72,311  186,676  
Commercial real estate — investor40,514  2,041  42,555  (140) 168  28  753  472  14,713  58,520  
Real estate construction24,915  7,467  32,382  (19) 27  8  435  492  5,076  38,393  
Commercial real estate lending65,428  9,508  74,937  (159) 195  36  1,188  964  19,789  96,913  
Total commercial166,846  60,576  227,422  (42,342) 2,412  (39,931) 2,371  1,627  92,101  283,590  
Residential mortgage16,960  33,215  50,175  (1,301) 174  (1,127) 651  403  (6,276) 43,825  
Home equity10,926  11,649  22,575  (1,213) 981  (232) 422  374  (1,677) 21,462  
Other consumer6,639  7,016  13,655  (2,802) 562  (2,240) 61  140  3,309  14,926  
Total consumer34,525  51,880  86,405  (5,316) 1,717  (3,599) 1,134  917  (4,644) 80,213  
Total loans$201,371  $112,457  $313,828  $(47,659) $4,129  $(43,530) $3,504  $2,543  $87,457  $363,803  
Allowance for unfunded commitments
PPP$—  $—  $—  $—  $—  $—  $—  $—  $—  $—  
Commercial and industrial12,276  (3,998) 8,278  —  —  —  —  61  11,261  19,601  
Commercial real estate — owner occupied127  —  127  —  —  —  —  4  93  224  
Commercial and business lending12,403  (3,998) 8,405  —  —  —  —  65  11,354  19,824  
Commercial real estate — investor530  246  776  —  —  —  —  2  (227) 550  
Real estate construction7,532  18,347  25,879  —  —  —  —  45  11,956  37,880  
Commercial real estate lending8,062  18,593  26,655  —  —  —  —  47  11,729  38,430  
Total commercial20,465  14,595  35,060  —  —  —  —  112  23,084  58,256  
Home equity1,038  2,591  3,629  —  —  —  —  66  152  3,846  
Other consumer405  1,504  1,909  —  —  —  —  —  766  2,675  
Total consumer1,443  4,095  5,538  —  —  —  —  66  917  6,522  
Total loans$21,907  $18,690  $40,597  $—  $—  $—  $—  $179  $24,000  $64,776  
Allowance for credit losses on loans
PPP$—  $—  $—  $—  $—  $—  $—  $—  $808  $808  0.08 %
Commercial and industrial103,409  48,921  152,330  (42,183) 2,215  (39,968) 293  469  82,028  195,155  2.45 %
Commercial real estate — owner occupied10,411  (1,851) 8,560  —  1  1  890  259  829  10,538  1.15 %
Commercial and business lending113,820  47,070  160,890  (42,183) 2,216  (39,967) 1,183  728  83,666  206,501  2.09 %
Commercial real estate — investor41,044  2,287  43,331  (140) 168  28  753  474  14,486  59,070  1.42 %
Real estate construction32,447  25,814  58,261  (19) 27  8  435  537  17,032  76,273  4.47 %
Commercial real estate lending73,490  28,101  101,591  (159) 195  36  1,188  1,011  31,518  135,343  2.30 %
Total commercial187,311  75,171  262,482  (42,342) 2,412  (39,931) 2,371  1,739  115,184  341,844  2.17 %
Residential mortgage16,960  33,215  50,175  (1,301) 174  (1,127) 651  403  (6,277) 43,826  0.55 %
Home equity11,964  14,240  26,204  (1,213) 981  (232) 422  440  (1,526) 25,308  3.18 %
Other consumer7,044  8,520  15,564  (2,802) 562  (2,240) 61  140  4,076  17,601  5.40 %
Total consumer35,968  55,975  91,943  (5,316) 1,717  (3,599) 1,134  983  (3,727) 86,735  0.96 %
Total loans$223,278  $131,147  $354,425  $(47,659) $4,129  $(43,530) $3,504  $2,722  $111,457  $428,579  1.73 %
The following table presents details of the allowance for loan losses segregated by loan portfolio segment as of December 31, 2019, calculated in accordance with prior incurred loss methodology applicable under ASC Topic 310:
($ in Thousands)December 31, 2018Charge offsRecoveriesNet Charge offsProvision for loan lossesDecember 31, 2019
Allowance for loan losses
Commercial and industrial$108,835  $(63,315) $11,875  $(51,441) $33,738  $91,133  
Commercial real estate — owner occupied9,255  (222) 2,795  2,573  (1,543) 10,284  
Commercial and business lending118,090  (63,537) 14,670  (48,868) 32,195  101,417  
Commercial real estate — investor40,844  —  31  31  (361) 40,514  
Real estate construction28,240  (60) 302  243  (3,568) 24,915  
Commercial real estate lending69,084  (60) 333  274  (3,929) 65,429  
Total commercial187,174  (63,597) 15,003  (48,594) 28,266  166,846  
Residential mortgage25,595  (3,322) 692  (2,630) (6,005) 16,960  
Home equity19,266  (1,846) 2,599  753  (9,093) 10,926  
Other consumer5,988  (5,548) 868  (4,681) 5,332  6,639  
Total consumer50,849  (10,716) 4,159  (6,558) (9,766) 34,525  
Total loans$238,023  $(74,313) $19,161  $(55,152) $18,500  $201,371  

A summary of the individually and collectively evaluated loans by portfolio segment at December 31, 2019, was as follows:
Allowance for loan lossesLoans
($ in Thousands)Individually evaluated for impairmentCollectively evaluated for impairmentTotal allowance for loan lossesIndividually evaluated for impairmentCollectively evaluated for impairment
Acquired and accounted for under ASC 310-30(a)
Total loans
Commercial and industrial$12,010  $79,123  $91,133  $62,035  $7,292,217  $342  $7,354,594  
Commercial real estate — owner occupied19  10,265  10,284  1,676  909,010  579  911,265  
Commercial and business lending12,029  89,388  101,417  63,711  8,201,227  921  8,265,858  
Commercial real estate — investor15  40,498  40,514  4,633  3,789,755  129  3,794,517  
Real estate construction67  24,848  24,915  477  1,420,416  7  1,420,900  
Commercial real estate lending82  65,346  65,429  5,110  5,210,171  136  5,215,417  
Total commercial12,111  154,734  166,846  68,821  13,411,398  1,057  13,481,275  
Residential mortgage2,740  14,220  16,960  35,554  8,100,958  469  8,136,980  
Home equity1,190  9,737  10,926  4,422  847,577  26  852,025  
Other consumer125  6,514  6,639  1,247  349,912  —  351,159  
Total consumer4,055  30,471  34,525  41,223  9,298,447  495  9,340,164  
Total loans$16,165  $185,205  $201,371  $110,043  $22,709,845  $1,552  $22,821,440  
(a) Loans acquired in business combinations and accounted for under ASC Subtopic 310-30 "Receivables — Loans and Debt Securities Acquired with Deteriorated Credit Quality."
Changes in the allowance for unfunded commitments The following table presents a summary of the changes in the allowance for unfunded commitments:
($ in Thousands)Six Months Ended June 30, 2020Year Ended December 31, 2019
Allowance for Unfunded Commitments
Balance at beginning of period$21,907  $24,336  
Cumulative effect of ASU 2016-13 adoption (CECL)18,690  N/A
Balance at beginning of period, adjusted40,597  24,336  
Provision for unfunded commitments24,000  (2,500) 
Amount recorded at acquisition179  70  
Balance at end of period$64,776  $21,907