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Loans Loans (Tables)
 9 Months Ended
Sep. 30, 2020
Receivables [Abstract]  
Loan composition
The period end loan composition was as follows:
($ in Thousands)September 30, 2020December 31, 2019
PPP$1,022,217 $— 
Commercial and industrial7,933,404 7,354,594 
Commercial real estate — owner occupied904,997 911,265 
Commercial and business lending9,860,618 8,265,858 
Commercial real estate — investor4,320,926 3,794,517 
Real estate construction1,859,609 1,420,900 
Commercial real estate lending6,180,536 5,215,417 
Total commercial16,041,154 13,481,275 
Residential mortgage7,885,523 8,136,980 
Home equity761,593 852,025 
Other consumer315,483 351,159 
Total consumer8,962,599 9,340,164 
Total loans$25,003,753 $22,821,440 
Commercial and consumer loans by credit quality indicator
The following table presents commercial and consumer loans by credit quality indicator by vintage year at September 30, 2020:
Term Loans Amortized Cost Basis by Origination Year(a)
($ in Thousands)
Rev Loans Converted to Term(a)
Rev Loans Amortized Cost BasisYTD 20202019201820172016PriorTotal
PPP:(b)
Risk rating:
Pass$— $— $995,646 $— $— $— $— $— $995,646 
Special Mention— — 7,409 — — — — — 7,409 
Potential Problem— — 19,161 — — — — — 19,161 
PPP$— $— $1,022,217 $— $— $— $— $— $1,022,217 
Commercial and industrial:
Risk rating:
Pass$4,904 $2,031,744 $1,102,032 $1,581,019 $1,430,036 $545,931 $326,862 $518,950 $7,536,572 
Special Mention— 9,424 13,594 61,594 48,357 22 13,783 — 146,774 
Potential Problem(c)
3,089 10,580 21,483 18,101 81,580 2,369 8,031 2,015 144,159 
Nonaccrual(d)
568 200 1,571 6,761 15,728 44,933 29,193 7,513 105,899 
Commercial and industrial$8,562 $2,051,948 $1,138,680 $1,667,475 $1,575,701 $593,255 $377,868 $528,478 $7,933,404 
Commercial real estate - owner occupied:
Risk rating:
Pass$1,150 $18,912 $120,161 $236,928 $137,669 $106,305 $155,023 $90,750 $865,748 
Special Mention— — 2,420 2,410 1,106 556 2,671 5,236 14,398 
Potential Problem— 2,593 678 7,804 1,354 1,135 5,127 4,117 22,808 
Nonaccrual— — 168 — 371 326 — 1,177 2,043 
Commercial real estate - owner occupied$1,150 $21,505 $123,426 $247,142 $140,499 $108,323 $162,821 $101,280 $904,997 
Commercial and business lending:
Risk rating:
Pass$6,054 $2,050,656 $2,217,839 $1,817,947 $1,567,704 $652,236 $481,885 $609,700 $9,397,966 
Special Mention— 9,424 23,423 64,004 49,462 578 16,454 5,236 168,582 
Potential Problem(c)
3,089 13,173 41,323 25,905 82,934 3,504 13,158 6,132 186,129 
Nonaccrual(d)
568 200 1,739 6,761 16,099 45,259 29,193 8,690 107,941 
Commercial and business lending$9,712 $2,073,453 $2,284,323 $1,914,617 $1,716,200 $701,578 $540,690 $629,759 $9,860,618 
Commercial real estate - investor:
Risk rating:
Pass$84 $189,623 $1,082,792 $1,030,772 $781,592 $321,341 $350,582 $245,290 $4,001,992 
Special Mention— — 57,701 53,145 12,408 13,439 29,818 1,506 168,018 
Potential Problem— 854 16,032 18,026 11,424 14,733 265 39,124 100,459 
Nonaccrual19,964 — 1,018 48,691 446 — — 304 50,458 
Commercial real estate - investor$20,049 $190,477 $1,157,543 $1,150,634 $805,870 $349,513 $380,665 $286,224 $4,320,926 
Real estate construction:
Risk rating:
Pass$1,151 $45,347 $545,859 $772,861 $376,567 $69,025 $2,588 $19,928 $1,832,176 
Special Mention— — 411 — 24,437 — — 16 24,863 
Potential Problem— — 127 — 355 1,557 95 45 2,178 
Nonaccrual— — 12 — — — — 380 392 
Real estate construction$1,151 $45,347 $546,409 $772,861 $401,358 $70,582 $2,683 $20,369 $1,859,609 
Commercial real estate lending:
Risk rating:
Pass$1,236 $234,970 $1,628,651 $1,803,633 $1,158,158 $390,366 $353,170 $265,219 $5,834,167 
Special Mention— — 58,112 53,145 36,845 13,439 29,818 1,522 192,881 
Potential Problem— 854 16,159 18,026 11,779 16,289 360 39,169 102,637 
Nonaccrual19,964 — 1,030 48,691 446 — — 684 50,850 
Commercial real estate lending$21,200 $235,823 $1,703,952 $1,923,495 $1,207,229 $420,095 $383,348 $306,593 $6,180,536 
Term Loans Amortized Cost Basis by Origination Year(a)
($ in Thousands)
Rev Loans Converted to Term(a)
Rev Loans Amortized Cost BasisYTD 20202019201820172016PriorTotal
Total commercial:
Risk rating:
Pass$7,290 $2,285,626 $3,846,490 $3,621,580 $2,725,863 $1,042,603 $835,055 $874,918 $15,232,134 
Special Mention— 9,424 81,534 117,150 86,307 14,017 46,272 6,758 361,463 
Potential Problem3,089 14,027 57,482 43,931 94,713 19,793 13,518 45,301 288,766 
Nonaccrual20,533 200 2,769 55,451 16,546 45,259 29,193 9,374 158,792 
Total commercial$30,912 $2,309,277 $3,988,275 $3,838,112 $2,923,428 $1,121,672 $924,038 $936,352 $16,041,154 
Residential mortgage:
Risk rating:
Pass$— $— $1,585,703 $1,608,973 $685,384 $1,119,248 $1,025,378 $1,794,997 $7,819,683 
Special Mention— — 684 — 37 — — 392 1,113 
Potential Problem— — 695 663 137 — 206 694 2,396 
Nonaccrual— — 2,292 3,282 5,624 8,243 10,334 32,557 62,331 
Residential mortgage$— $— $1,589,374 $1,612,918 $691,182 $1,127,490 $1,035,918 $1,828,640 $7,885,523 
Home equity:
Risk rating:
Pass$10,470 $610,660 $2,041 $14,679 $18,022 $13,415 $6,700 $83,761 $749,277 
Special Mention107 39 — — — — — 369 408 
Potential Problem— 1,632 — — — — — — 1,632 
Nonaccrual972 606 421 361 523 353 230 7,782 10,277 
Home equity$11,549 $612,936 $2,462 $15,040 $18,545 $13,768 $6,930 $91,912 $761,593 
Other consumer:
Risk rating:
Pass$27 $164,453 $7,298 $11,505 $4,438 $2,259 $1,475 $123,487 $314,916 
Special Mention5 369 — — — — 3 5 377 
Nonaccrual2 23 1 63 5 6 74 19 190 
Other consumer$34 $164,845 $7,298 $11,568 $4,443 $2,265 $1,551 $123,511 $315,483 
Total consumer:
Risk rating:
Pass$10,497 $775,112 $1,595,042 $1,635,157 $707,843 $1,134,922 $1,033,553 $2,002,246 $8,883,875 
Special Mention112 408 684 — 37 — 3 766 1,898 
Potential Problem— 1,632 695 663 137 — 206 694 4,028 
Nonaccrual974 629 2,713 3,706 6,153 8,602 10,638 40,357 72,798 
Total consumer$11,583 $777,781 $1,599,134 $1,639,527 $714,171 $1,143,524 $1,044,399 $2,044,063 $8,962,599 
Total loans:
Risk rating:
Pass$17,787 $3,060,738 $5,441,532 $5,256,737 $3,433,706 $2,177,524 $1,868,608 $2,877,164 $24,116,009 
Special Mention112 9,832 82,219 117,150 86,344 14,017 46,275 7,524 363,361 
Potential Problem3,089 15,659 58,177 44,595 94,850 19,793 13,724 45,996 292,794 
Nonaccrual21,507 829 5,482 59,157 22,698 53,861 39,830 49,731 231,590 
Total loans$42,495 $3,087,058 $5,587,409 $5,477,639 $3,637,599 $2,265,196 $1,968,437 $2,980,415 $25,003,753 

(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 $60 million of oil and gas related loans
(d) Includes $8 million of oil and gas related loans
The following table presents commercial and consumer loans by credit quality indicator at December 31, 2019:
($ 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 $22,821,440 
Summarized details of Loans
The following table presents loans by past due status at September 30, 2020:
Accruing
($ 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$1,022,217 $— $— $— $— $1,022,217 
Commercial and industrial7,826,445 115 183 763 105,899 7,933,404 
Commercial real estate - owner occupied902,085 870 — — 2,043 904,997 
Commercial and business lending9,750,747 984 183 763 107,941 9,860,618 
Commercial real estate - investor4,270,059 409 — — 50,458 4,320,926 
Real estate construction1,859,106 95 16 — 392 1,859,609 
Commercial real estate lending6,129,165 504 16 — 50,850 6,180,536 
Total commercial15,879,912 1,488 199 763 158,792 16,041,154 
Residential mortgage7,816,986 5,793 392 22 62,331 7,885,523 
Home equity745,563 5,201 408 145 10,277 761,593 
Other consumer313,017 949 402 925 190 315,483 
Total consumer8,875,566 11,943 1,201 1,091 72,798 8,962,599 
Total loans$24,755,478 $13,431 $1,400 $1,854 $231,590 $25,003,753 
(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, $186 million, or 80%, were current with respect to payment at September 30, 2020.
(c) No interest income was recognized on nonaccrual loans for both the three and nine months ended September 30, 2020. In addition, there were $40 million of nonaccrual loans for which there was no related ACLL at September 30, 2020.
The following table presents loans by past due status at December 31, 2019:
Accruing
($ 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 $3,628 
(a) The net recorded investment (defined as recorded investment, net of the related allowance) of the impaired loans represented 63% of the unpaid principal balance at December 31, 2019.
Nonaccrual and performing restructured loans
The following table presents nonaccrual and performing restructured loans by loan portfolio:
 September 30, 2020December 31, 2019
 ($ in Thousands)Performing
Restructured
Loans
Nonaccrual
Restructured
Loans(a)
Performing
Restructured
Loans
Nonaccrual
Restructured
Loans(a)
Commercial and industrial$16,002 $7,827 $16,678 $7,376 
Commercial real estate — owner occupied1,389 168 1,676 — 
Commercial real estate — investor635 — 293 — 
Real estate construction382 98 298 179 
Residential mortgage5,378 14,535 3,955 13,035 
Home equity1,889 1,216 1,896 1,904 
Other consumer1,218 — 1,246 1 
   Total restructured loans(b)
$26,891 $23,844 $26,041 $22,494 
(a) Nonaccrual restructured loans have been included within nonaccrual loans.
(b) Does not include any restructured loans related to COVID-19 in accordance with Section 4013 of the CARES Act.
Summary of restructured loans The following table provides the number of loans modified in a TDR by loan portfolio, the recorded investment, and unpaid principal balance for the nine months ended September 30, 2020 and 2019:
 Nine Months Ended September 30, 2020Nine Months Ended September 30, 2019
 ($ in Thousands)Number
of
Loans
Recorded
Investment(a)
Unpaid
Principal
Balance(b)
Number
of
Loans
Recorded
Investment(a)
Unpaid
Principal
Balance(b)
Commercial and industrial3 $1,250 $1,324 1 $185 $185 
Commercial real estate — owner occupied2 453 751 — — — 
Commercial real estate — investor1 530 530 — — — 
Real estate construction1 102 102 — — — 
Residential mortgage32 5,789 5,870 47 6,785 6,863 
Home equity18 676 702 18 520 520 
Other consumer— — — 1 9 9 
   Total loans modified 57 $8,800 $9,280 67 $7,500 $7,577 
(a) Represents post-modification outstanding recorded investment.
(b) Represents pre-modification outstanding recorded investment.
Troubled debt restructurings subsequent redefault
The following table provides the number of loans modified in a TDR during the previous twelve months which subsequently defaulted during the nine months ended September 30, 2020 and 2019 and the recorded investment in these restructured loans as of September 30, 2020 and 2019:
 Nine Months Ended September 30, 2020Nine Months Ended September 30, 2019
 ($ in Thousands)Number of
Loans		Recorded
Investment		Number of
Loans		Recorded
Investment
Commercial real estate — investor— $— 1 $461 
Residential mortgage5 1,036 27 4,528 
Home equity4 208 19 538 
   Total loans modified9 $1,244 47 $5,526 
Changes in the allowance for loan losses by portfolio segment
The following table presents a summary of the changes in the ACLL by portfolio segment for the nine months ended September 30, 2020:
($ 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 lossesSept. 30, 2020ACLL / Loans
Allowance for loan losses
PPP$— $— $— $— $— $— $— $— $968 $968 
Commercial and industrial91,133 52,919 144,052 (70,011)5,210 (64,802)293 408 87,840 167,793 
Commercial real estate — owner occupied10,284 (1,851)8,433 (419)4 (415)890 255 2,027 11,190 
Commercial and business lending101,417 51,068 152,485 (70,430)5,213 (65,216)1,183 663 90,836 179,951 
Commercial real estate — investor40,514 2,041 42,555 (4,224)643 (3,581)753 472 50,004 90,201 
Real estate construction24,915 7,467 32,382 (42)30 (12)435 492 3,823 37,119 
Commercial real estate lending65,429 9,508 74,937 (4,266)673 (3,593)1,188 964 53,827 127,321 
Total commercial166,846 60,576 227,422 (74,696)5,887 (68,810)2,371 1,627 144,662 307,272 
Residential mortgage16,960 33,215 50,175 (1,615)409 (1,206)651 403 (6,382)43,640 
Home equity10,926 11,649 22,575 (1,551)1,476 (76)422 374 (3,935)19,361 
Other consumer6,639 7,016 13,655 (3,875)845 (3,030)61 140 3,612 14,438 
Total consumer34,525 51,880 86,405 (7,042)2,730 (4,311)1,134 917 (6,705)77,440 
Total loans$201,371 $112,457 $313,828 $(81,738)$8,617 $(73,121)$3,504 $2,543 $137,957 $384,711 
Allowance for unfunded commitments
Commercial and industrial12,276 (3,998)8,278 — — — — 61 12,851 21,190 
Commercial real estate — owner occupied127 — 127 — — — — 4 434 564 
Commercial and business lending12,403 (3,998)8,405 — — — — 65 13,285 21,754 
Commercial real estate — investor530 246 776 — — — — 2 (58)719 
Real estate construction7,532 18,347 25,879 — — — 45 2,703 28,626 
Commercial real estate lending8,062 18,593 26,655 — — — — 47 2,644 29,345 
Total commercial20,465 14,595 35,060 — — — — 112 15,929 51,100 
Home equity1,038 2,591 3,629 — — — — 66 (106)3,588 
Other consumer405 1,504 1,909 — — — — — 676 2,585 
Total consumer1,443 4,095 5,538 — — — — 66 571 6,176 
Total loans$21,907 $18,690 $40,597 $— $— $— $— $179 $16,500 $57,276 
Allowance for credit losses on loans
PPP$— $— $— $— $— $— $— $— $968 $968 0.09 %
Commercial and industrial103,409 48,921 152,330 (70,011)5,210 (64,802)293 469 100,691 188,983 2.38 %
Commercial real estate — owner occupied10,411 (1,851)8,560 (419)4 (415)890 259 2,461 11,755 1.30 %
Commercial and business lending113,820 47,070 160,890 (70,430)5,213 (65,216)1,183 728 104,120 201,706 2.05 %
Commercial real estate — investor41,044 2,287 43,331 (4,224)643 (3,581)753 474 49,945 90,921 2.10 %
Real estate construction32,447 25,814 58,261 (42)30 (12)435 537 6,525 65,745 3.54 %
Commercial real estate lending73,490 28,101 101,591 (4,266)673 (3,593)1,188 1,011 56,471 156,667 2.53 %
Total commercial187,311 75,171 262,482 (74,696)5,887 (68,810)2,371 1,739 160,591 358,372 2.23 %
Residential mortgage16,960 33,215 50,175 (1,615)409 (1,206)651 403 (6,380)43,643 0.55 %
Home equity11,964 14,240 26,204 (1,551)1,476 (76)422 440 (4,041)22,949 3.01 %
Other consumer7,044 8,520 15,564 (3,875)845 (3,030)61 140 4,287 17,023 5.40 %
Total consumer35,968 55,975 91,943 (7,042)2,730 (4,311)1,134 983 (6,134)83,616 0.93 %
Total loans$223,278 $131,147 $354,425 $(81,738)$8,617 $(73,121)$3,504 $2,722 $154,457 $441,988 1.77 %
The following table presents details of the allowance for loan losses segregated by loan portfolio segment as of December 31, 2019, calculated in accordance with prior incurred loss methodology applicable under ASC Topic 310:
($ 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."