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Loans Loans (Tables)
 3 Months Ended 12 Months Ended
Mar. 31, 2021
Dec. 31, 2020
Receivables [Abstract]    
Loan composition
The period end loan composition was as follows:
($ in Thousands)March 31, 2021December 31, 2020
PPP$836,566 $767,757 
Commercial and industrial7,664,501 7,701,422 
Commercial real estate — owner occupied883,237 900,912 
Commercial and business lending9,384,303 9,370,091 
Commercial real estate — investor4,260,706 4,342,584 
Real estate construction1,882,299 1,840,417 
Commercial real estate lending6,143,004 6,183,001 
Total commercial15,527,307 15,553,091 
Residential mortgage7,685,218 7,878,324 
Home equity651,647 707,255 
Other consumer298,156 313,054 
Total consumer8,635,020 8,898,632 
Total loans$24,162,328 $24,451,724 
  
Commercial and consumer loans by credit quality indicator he following table presents commercial and consumer loans by credit quality indicator by vintage year at March 31, 2021:
Term Loans Amortized Cost Basis by Origination Year(a)
($ in Thousands)
Rev Loans Converted to Term(a)
Rev Loans Amortized Cost BasisYTD 20212020201920182017PriorTotal
PPP:(b)
Risk rating:
Pass$— $— $281,120 $527,971 $— $— $— $— $809,091 
Special Mention— — 1,642 3,434 — — — — 5,076 
Potential Problem— — 9,450 12,948 — — — — 22,398 
PPP$— $— $292,213 $544,353 $— $— $— $— $836,566 
Commercial and industrial:
Risk rating:
Pass$2,009 $2,170,406 $378,782 $1,303,573 $1,333,680 $1,119,175 $389,390 $694,910 $7,389,917 
Special Mention— 7,298 96 3,805 59,502 48,156 207 185 119,249 
Potential Problem1,800 20,492 4,166 17,407 34,437 37,587 1,761 6,294 122,143 
Nonaccrual— — — 6,143 725 16,530 334 9,461 33,192 
Commercial and industrial$3,809 $2,198,196 $383,045 $1,330,929 $1,428,343 $1,221,448 $391,692 $710,849 $7,664,501 
Commercial real estate - owner occupied:
Risk rating:
Pass$11,868 $20,916 $59,551 $174,514 $210,032 $128,471 $81,020 $184,983 $859,487 
Special Mention— — — 5,014 2,080 — 424 260 7,777 
Potential Problem— 622 105 3,992 1,066 652 2,035 7,493 15,965 
Nonaccrual— — — — — — — 7 7 
Commercial real estate - owner occupied$11,868 $21,538 $59,656 $183,520 $213,178 $129,123 $83,479 $192,743 $883,237 
Commercial and business lending:
Risk rating:
Pass$13,877 $2,191,322 $719,454 $2,006,059 $1,543,712 $1,247,646 $470,410 $879,893 $9,058,495 
Special Mention— 7,298 1,738 12,253 61,582 48,156 631 444 132,102 
Potential Problem1,800 21,114 13,721 34,347 35,502 38,238 3,796 13,786 160,506 
Nonaccrual— — — 6,143 725 16,530 334 9,468 33,200 
Commercial and business lending$15,677 $2,219,734 $734,913 $2,058,802 $1,641,521 $1,350,571 $475,170 $903,592 $9,384,303 
Commercial real estate - investor:
Risk rating:
Pass$— $153,847 $344,412 $1,106,623 $989,271 $635,944 $208,367 $445,269 $3,883,733 
Special Mention— — 1,776 83,975 104,806 16,161 8,897 17,121 232,735 
Potential Problem— 802 5,473 52,576 8,952 1,787 2,840 13,321 85,752 
Nonaccrual— — — 8,883 15,605 19,522 14,173 302 58,485 
Commercial real estate - investor$— $154,649 $351,662 $1,252,057 $1,118,634 $673,414 $234,276 $476,014 $4,260,706 
Real estate construction:
Risk rating:
Pass$5,732 $26,865 $125,807 $756,890 $628,967 $228,127 $21,478 $16,815 $1,804,950 
Special Mention— — — 529 3,648 58,826 42 — 63,045 
Potential Problem— — 12 131 13,713 — — 119 13,977 
Nonaccrual— — — — — — — 327 327 
Real estate construction$5,732 $26,865 $125,819 $757,550 $646,328 $286,953 $21,520 $17,262 $1,882,299 
Commercial real estate lending:
Risk rating:
Pass$5,732 $180,712 $470,219 $1,863,513 $1,618,239 $864,072 $229,845 $462,084 $5,688,683 
Special Mention— — 1,776 84,504 108,453 74,987 8,939 17,121 295,780 
Potential Problem— 802 5,486 52,708 22,665 1,787 2,840 13,440 99,728 
Nonaccrual— — — 8,883 15,605 19,522 14,173 630 58,813 
Commercial real estate lending$5,732 $181,515 $477,481 $2,009,607 $1,764,962 $960,368 $255,796 $493,275 $6,143,004 
Term Loans Amortized Cost Basis by Origination Year(a)
($ in Thousands)
Rev Loans Converted to Term(a)
Rev Loans Amortized Cost BasisYTD 20212020201920182017PriorTotal
Total commercial:
Risk rating:
Pass$19,609 $2,372,034 $1,189,673 $3,869,571 $3,161,950 $2,111,718 $700,255 $1,341,977 $14,747,179 
Special Mention— 7,298 3,514 96,757 170,035 123,143 9,569 17,565 427,882 
Potential Problem1,800 21,916 19,207 87,055 58,167 40,026 6,636 27,227 260,234 
Nonaccrual— — — 15,026 16,330 36,052 14,507 10,098 92,012 
Total commercial$21,409 $2,401,249 $1,212,394 $4,068,409 $3,406,483 $2,310,939 $730,967 $1,396,867 $15,527,307 
Residential mortgage:
Risk rating:
Pass$— $— $449,381 $2,205,662 $1,280,604 $545,743 $881,884 $2,257,349 $7,620,622 
Special Mention— — — 121 — 37 133 525 816 
Potential Problem— — 72 510 561 674 126 582 2,524 
Nonaccrual— — — 1,765 3,160 6,431 8,243 41,657 61,256 
Residential mortgage$— $— $449,452 $2,208,058 $1,284,324 $552,885 $890,386 $2,300,113 $7,685,218 
Home equity:
Risk rating:
Pass$1,891 $526,777 $71 $2,080 $11,595 $13,535 $10,333 $75,385 $639,776 
Special Mention— 25 — — — 60 — 265 350 
Potential Problem— 1,563 — — — 20 — 146 1,729 
Nonaccrual262 91 10 786 118 366 413 8,008 9,792 
Home equity$2,153 $528,455 $81 $2,866 $11,713 $13,981 $10,745 $83,805 $651,647 
Other consumer:
Risk rating:
Pass$171 $156,829 $1,908 $8,330 $8,674 $2,974 $1,351 $117,360 $297,427 
Special Mention— 452 — — 40 — — 5 497 
Nonaccrual13 93 — 15 35 10 23 56 231 
Other consumer$183 $157,375 $1,908 $8,345 $8,749 $2,984 $1,374 $117,421 $298,156 
Total consumer:
Risk rating:
Pass$2,062 $683,606 $451,360 $2,216,072 $1,300,872 $562,252 $893,567 $2,450,094 $8,557,824 
Special Mention— 477 — 121 40 96 133 795 1,663 
Potential Problem— 1,563 72 510 561 694 126 728 4,254 
Nonaccrual274 184 10 2,566 3,313 6,807 8,678 49,722 71,280 
Total consumer$2,336 $685,830 $451,442 $2,219,269 $1,304,787 $569,850 $902,504 $2,501,338 $8,635,020 
Total loans:
Risk rating:
Pass$21,671 $3,055,640 $1,641,033 $6,085,644 $4,462,823 $2,673,970 $1,593,822 $3,792,071 $23,305,003 
Special Mention— 7,775 3,514 96,877 170,076 123,240 9,703 18,360 429,545 
Potential Problem1,800 23,479 19,279 87,565 58,729 40,720 6,761 27,955 264,488 
Nonaccrual274 184 10 17,592 19,643 42,859 23,185 59,819 163,292 
Total loans$23,745 $3,087,079 $1,663,836 $6,287,678 $4,711,270 $2,880,788 $1,633,471 $3,898,205 $24,162,328 

(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.
The following table presents commercial and consumer loans by credit quality indicator by vintage year at December 31, 2020:
Term Loans Amortized Cost Basis by Origination Year(a)
($ in Thousands)
Rev Loans Converted to Term(a)
Rev Loans Amortized Cost Basis20202019201820172016PriorTotal
PPP:(b)
Risk rating:
Pass$— $— $745,767 $— $— $— $— $— $745,767 
Special Mention— — 3,988 — — — — — 3,988 
Potential Problem— — 18,002 — — — — — 18,002 
PPP$— $— $767,757 $— $— $— $— $— $767,757 
Commercial and industrial:
Risk rating:
Pass$4,628 $2,177,138 $1,389,260 $1,435,519 $1,182,302 $483,957 $305,998 $453,734 $7,427,908 
Special Mention— 10,159 2,719 39,854 37,042 113 215 67 90,169 
Potential Problem2,565 7,237 19,331 28,413 56,580 2,269 6,477 1,179 121,487 
Nonaccrual16,852 — 6,238 5,789 17,014 16,623 8,781 7,414 61,859 
Commercial and industrial$24,045 $2,194,534 $1,417,548 $1,509,575 $1,292,938 $502,962 $321,471 $462,394 $7,701,422 
Commercial real estate - owner occupied:
Risk rating:
Pass$1,150 $18,022 $185,861 $209,069 $128,360 $99,546 $147,366 $79,111 $867,335 
Special Mention— 113 1,882 3,122 300 658 264 — 6,339 
Potential Problem— 3,486 4,104 8,916 — 1,490 4,437 3,747 26,179 
Nonaccrual— — — — — 318 — 740 1,058 
Commercial real estate - owner occupied$1,150 $21,621 $191,847 $221,107 $128,660 $102,012 $152,067 $83,598 $900,912 
Commercial and business lending:
Risk rating:
Pass$5,778 $2,195,160 $2,320,888 $1,644,588 $1,310,662 $583,503 $453,364 $532,845 $9,041,009 
Special Mention— 10,272 8,589 42,976 37,342 771 479 67 100,496 
Potential Problem2,565 10,723 41,437 37,329 56,580 3,759 10,915 4,926 165,668 
Nonaccrual16,852 — 6,238 5,789 17,014 16,941 8,781 8,154 62,917 
Commercial and business lending$25,195 $2,216,154 $2,377,152 $1,730,682 $1,421,598 $604,974 $473,539 $545,992 $9,370,091 
Commercial real estate - investor:
Risk rating:
Pass$10,971 $171,497 $1,249,644 $976,332 $720,237 $271,987 $341,658 $211,360 $3,942,714 
Special Mention— — 90,235 97,333 12,339 — 21,882 8,465 230,254 
Potential Problem— 838 16,343 13,575 30,911 2,279 239 27,209 91,396 
Nonaccrual19,803 — 10,141 53,056 446 14,267 — 309 78,220 
Commercial real estate - investor$30,774 $172,335 $1,366,364 $1,140,297 $763,933 $288,533 $363,779 $247,343 $4,342,584 
Real estate construction:
Risk rating:
Pass$776 $47,880 $645,925 $738,561 $294,910 $25,219 $2,420 $16,768 $1,771,682 
Special Mention— — 487 494 48,283 42 — 30 49,336 
Potential Problem— — 135 — 18,803 — 93 15 19,046 
Nonaccrual— — — — — 16 — 338 353 
Real estate construction$776 $47,880 $646,547 $739,055 $361,996 $25,277 $2,513 $17,150 $1,840,417 
Commercial real estate lending:
Risk rating:
Pass$11,746 $219,377 $1,895,569 $1,714,893 $1,015,146 $297,205 $344,078 $228,127 $5,714,396 
Special Mention— — 90,722 97,827 60,622 42 21,882 8,494 279,590 
Potential Problem— 838 16,479 13,575 49,714 2,279 332 27,224 110,442 
Nonaccrual19,803 — 10,141 53,056 446 14,283 — 647 78,573 
Commercial real estate lending$31,549 $220,215 $2,012,911 $1,879,352 $1,125,929 $313,810 $366,292 $264,493 $6,183,001 
Term Loans Amortized Cost Basis by Origination Year(a)
($ in Thousands)
Rev Loans Converted to Term(a)
Rev Loans Amortized Cost Basis20202019201820172016PriorTotal
Total commercial:
Risk rating:
Pass$17,524 $2,414,537 $4,216,457 $3,359,482 $2,325,808 $880,708 $797,441 $760,973 $14,755,405 
Special Mention— 10,272 99,311 140,803 97,964 813 22,361 8,562 380,086 
Potential Problem2,565 11,561 57,916 50,905 106,295 6,038 11,247 32,150 276,111 
Nonaccrual36,655 — 16,379 58,845 17,460 31,224 8,781 8,801 141,490 
Total commercial$56,745 $2,436,370 $4,390,063 $3,610,033 $2,547,526 $918,783 $839,831 $810,485 $15,553,091 
Residential mortgage:
Risk rating:
Pass$— $— $2,185,240 $1,490,589 $615,118 $998,072 $911,797 $1,612,971 $7,813,788 
Special Mention— — — 355 330 102 126 537 1,450 
Potential Problem— — 1,200 689 652 — 179 1,028 3,749 
Nonaccrual— — 1,478 2,271 5,882 7,116 11,003 31,587 59,337 
Residential mortgage$— $— $2,187,918 $1,493,903 $621,983 $1,005,290 $923,105 $1,646,124 $7,878,324 
Home equity:
Risk rating:
Pass$10,224 $569,389 $2,057 $12,968 $15,792 $11,594 $5,803 $76,165 $693,767 
Special Mention596 631 — 39 14 39 4 804 1,532 
Potential Problem— 1,922 — — — — — 146 2,068 
Nonaccrual1,600 100 965 134 410 319 711 7,249 9,888 
Home equity$12,421 $572,041 $3,022 $13,141 $16,216 $11,952 $6,518 $84,364 $707,255 
Other consumer:
Risk rating:
Pass$70 $165,114 $9,525 $10,309 $3,987 $1,872 $1,185 $120,425 $312,416 
Special Mention5 438 13 16 11 4 7 8 498 
Nonaccrual5 33 9 49 21 10 — 18 140 
Other consumer$81 $165,585 $9,547 $10,374 $4,019 $1,886 $1,192 $120,451 $313,054 
Total consumer:
Risk rating:
Pass$10,294 $734,502 $2,196,822 $1,513,865 $634,897 $1,011,539 $918,785 $1,809,561 $8,819,971 
Special Mention602 1,069 13 410 356 145 137 1,349 3,480 
Potential Problem— 1,922 1,200 689 652 — 179 1,174 5,817 
Nonaccrual1,605 133 2,452 2,454 6,313 7,445 11,714 38,854 69,364 
Total consumer$12,501 $737,626 $2,200,487 $1,517,417 $642,218 $1,019,128 $930,816 $1,850,939 $8,898,632 
Total loans:
Risk rating:
Pass (c)
$27,819 $3,149,039 $6,413,278 $4,873,347 $2,960,705 $1,892,247 $1,716,226 $2,570,534 $23,575,376 
Special Mention602 11,341 99,324 141,213 98,320 958 22,498 9,911 383,566 
Potential Problem2,565 13,483 59,116 51,593 106,947 6,038 11,426 33,324 281,928 
Nonaccrual38,260 133 18,831 61,298 23,773 38,669 20,496 47,655 210,854 
Total loans$69,246 $3,173,996 $6,590,550 $5,127,451 $3,189,745 $1,937,912 $1,770,647 $2,661,424 $24,451,724 

(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) Accruing TDRs are included in pass unless otherwise rated as special mention
  
Summarized details of Loans  
The following table presents loans by past due status at March 31, 2021:
Accruing
($ in Thousands)
Current(a)
30-59 Days
Past Due		60-89 Days
Past Due		90+ Days
Past Due
Nonaccrual(b)(c)
Total
PPP$836,566 $— $— $— $— $836,566 
Commercial and industrial7,630,593 444 82 190 33,192 7,664,501 
Commercial real estate - owner occupied883,229 — — — 7 883,237 
Commercial and business lending9,350,388 444 82 190 33,200 9,384,303 
Commercial real estate - investor4,196,221 5,999 — — 58,485 4,260,706 
Real estate construction1,880,995 977 — — 327 1,882,299 
Commercial real estate lending6,077,216 6,976 — — 58,813 6,143,004 
Total commercial15,427,603 7,420 82 190 92,012 15,527,307 
Residential mortgage7,619,602 3,494 479 387 61,256 7,685,218 
Home equity639,503 2,002 350 — 9,792 651,647 
Other consumer295,556 681 589 1,098 231 298,156 
Total consumer8,554,661 6,177 1,417 1,485 71,280 8,635,020 
Total loans$23,982,264 $13,597 $1,500 $1,675 $163,292 $24,162,328 
(a) Any loans deferred in connection with the COVID-19 pandemic are considered current in accordance with Section 4013 of the CARES Act.
(b) Of the total nonaccrual loans, $99 million, or 61%, were current with respect to payment at March 31, 2021.
(c) No interest income was recognized on nonaccrual loans for the three months ended March 31, 2021. In addition, there were $16 million of nonaccrual loans for which there was no related ACLL at March 31, 2021.

The following table presents loans by past due status at December 31, 2020:
Accruing
($ in Thousands)
Current(a)
30-59 Days
Past Due		60-89 Days
Past Due		90+ Days 
Past Due
Nonaccrual(b)(c)
Total
PPP$767,757 $— $— $— $— $767,757 
Commercial and industrial7,633,269 2,819 3,300 175 61,859 7,701,422 
Commercial real estate - owner occupied899,480 158 215 — 1,058 900,912 
Commercial and business lending9,300,506 2,977 3,516 175 62,917 9,370,091 
Commercial real estate - investor4,251,571 1,024 11,769 — 78,220 4,342,584 
Real estate construction1,839,073 991 — — 353 1,840,417 
Commercial real estate lending6,090,644 2,015 11,769 — 78,573 6,183,001 
Total commercial15,391,150 4,992 15,284 175 141,490 15,553,091 
Residential mortgage7,808,294 8,975 1,410 308 59,337 7,878,324 
Home equity692,565 3,071 1,731 — 9,888 707,255 
Other consumer310,200 1,039 560 1,115 140 313,054 
Total consumer8,811,060 13,085 3,701 1,423 69,364 8,898,632 
Total loans$24,202,209 $18,077 $18,985 $1,598 $210,854 $24,451,724 
(a) Any loans deferred in connection with the COVID-19 pandemic are considered current in accordance with Section 4013 of the CARES Act.
(b) Of the total nonaccrual loans, $128 million, or 61%, were current with respect to payment at December 31, 2020.
(c) No interest income was recognized on nonaccrual loans for the year ended December 31, 2020. In addition, there were $28 million of nonaccrual loans for which there was no related ACLL at December 31, 2020.
Nonaccrual and performing restructured loans
The following table presents nonaccrual and performing restructured loans by loan portfolio:
 March 31, 2021December 31, 2020
 ($ in Thousands)Performing
Restructured
Loans
Nonaccrual
Restructured
Loans(a)
Performing
Restructured
Loans
Nonaccrual
Restructured
Loans(a)
Commercial and industrial$11,985 $2,114 $12,713 $6,967 
Commercial real estate — owner occupied1,488 — 1,711 — 
Commercial real estate — investor13,627 220 26,435 225 
Real estate construction256 109 260 111 
Residential mortgage10,462 13,537 7,825 11,509 
Home equity1,929 1,644 1,957 1,379 
Other consumer1,073 — 1,191 — 
   Total restructured loans(b)
$40,820 $17,624 $52,092 $20,190 
(a) Nonaccrual restructured loans have been included within nonaccrual loans.
(b) Does not include any restructured loans related to the COVID-19 pandemic 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 three months ended March 31, 2021 and 2020:
 Three Months Ended March 31, 2021Three Months Ended March 31, 2020
 ($ in Thousands)Number
of
Loans
Recorded
Investment(a)
Unpaid
Principal
Balance(b)
Number
of
Loans
Recorded
Investment(a)
Unpaid
Principal
Balance(b)
Commercial and industrial— $— $— 1 $48 $48 
Commercial real estate — owner occupied— — — 1 290 321 
Commercial real estate — investor4 1,693 1,693 1 570 1,740 
Real estate construction— — — 1 122 122 
Residential mortgage20 3,876 3,902 18 3,592 3,668 
Home equity1 430 430 8 277 277 
   Total loans modified 25 $5,999 $6,025 30 $4,899 $6,175 
(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 three months ended March 31, 2021 and 2020, and the recorded investment in these restructured loans as of March 31, 2021 and 2020:
 Three Months Ended March 31, 2021Three Months Ended March 31, 2020
 ($ in Thousands)Number of
Loans		Recorded
Investment		Number of
Loans		Recorded
Investment
Residential mortgage1 97 3 388 
Home equity— — 2 88 
   Total loans modified1 $97 5 $476 
  
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 three months ended March 31, 2021:
($ in Thousands)December 31, 2020Charge offsRecoveriesNet Charge offsProvision for credit lossesMarch 31, 2021ACLL / Loans
Allowance for loan losses
PPP$531 $— $— $— $76 $607 
Commercial and industrial142,793 (3,123)4,490 1,367 (19,453)124,707 
Commercial real estate — owner occupied11,274 — 4 4 508 11,786 
Commercial and business lending154,598 (3,123)4,494 1,370 (18,869)137,099 
Commercial real estate — investor93,435 (8,739)2,854 (5,886)1,694 89,243 
Real estate construction59,193 (3)31 29 (4,979)54,243 
Commercial real estate lending152,629 (8,742)2,885 (5,857)(3,286)143,486 
Total commercial307,226 (11,865)7,379 (4,487)(22,155)280,585 
Residential mortgage42,996 (243)134 (109)2,328 45,215 
Home equity18,849 (238)583 344 (2,822)16,371 
Other consumer14,630 (827)315 (511)(3,351)10,767 
Total consumer76,475 (1,308)1,031 (277)(3,845)72,353 
Total loans$383,702 $(13,174)$8,410 $(4,764)$(26,000)$352,938 
Allowance for unfunded commitments
Commercial and industrial22,311 — — — 2,417 24,728 
Commercial real estate — owner occupied266 — — — 38 304 
Commercial and business lending22,577 — — — 2,455 25,033 
Commercial real estate — investor636 — — — 15 651 
Real estate construction18,887 — — — 422 19,309 
Commercial real estate lending19,523 — — — 437 19,960 
Total commercial42,101 — — — 2,892 44,993 
Home equity3,118 — — — (199)2,919 
Other consumer2,557 — — — 307 2,865 
Total consumer5,675 — — — 108 5,783 
Total loans$47,776 $— $— $— $3,000 $50,776 
Allowance for credit losses on loans
PPP$531 $— $— $— $76 $607 0.07 %
Commercial and industrial165,105 (3,123)4,490 1,367 (17,037)149,435 1.95 %
Commercial real estate — owner occupied11,539 — 4 4 547 12,090 1.37 %
Commercial and business lending177,175 (3,123)4,494 1,370 (16,414)162,132 1.73 %
Commercial real estate — investor94,071 (8,739)2,854 (5,886)1,709 89,894 2.11 %
Real estate construction78,080 (3)31 29 (4,557)73,552 3.91 %
Commercial real estate lending172,152 (8,742)2,885 (5,857)(2,849)163,446 2.66 %
Total commercial349,327 (11,865)7,379 (4,487)(19,262)325,578 2.10 %
Residential mortgage42,996 (243)134 (109)2,328 45,215 0.59 %
Home equity21,967 (238)583 344 (3,021)19,290 2.96 %
Other consumer17,187 (827)315 (511)(3,044)13,631 4.57 %
Total consumer82,150 (1,308)1,031 (277)(3,738)78,136 0.90 %
Total loans$431,478 $(13,174)$8,410 $(4,764)$(23,000)$403,714 1.67 %
The following table presents a summary of the changes in the ACLL by portfolio segment for the year ended December 31, 2020:
($ 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 credit lossesDec. 31, 2020ACLL / Loans
Allowance for loan losses
PPP$— $— $— $— $— $— $— $— $531 $531 
Commercial and industrial91,133 52,919 144,052 (80,320)7,004 (73,316)293 408 71,355 142,793 
Commercial real estate — owner occupied10,284 (1,851)8,433 (419)147 (272)890 255 1,967 11,274 
Commercial and business lending101,417 51,068 152,485 (80,739)7,151 (73,588)1,183 663 73,853 154,598 
Commercial real estate — investor40,514 2,041 42,555 (22,920)643 (22,277)753 472 71,933 93,435 
Real estate construction24,915 7,467 32,382 (19)49 31 435 492 25,854 59,193 
Commercial real estate lending65,428 9,508 74,937 (22,938)692 (22,246)1,188 964 97,787 152,629 
Total commercial166,846 60,576 227,422 (103,677)7,844 (95,834)2,371 1,627 171,641 307,226 
Residential mortgage16,960 33,215 50,175 (1,867)500 (1,367)651 403 (6,864)42,996 
Home equity10,926 11,649 22,575 (1,719)1,978 259 422 374 (4,781)18,849 
Other consumer6,639 7,016 13,655 (4,790)1,101 (3,689)61 140 4,462 14,630 
Total consumer34,525 51,880 86,405 (8,376)3,579 (4,797)1,134 917 (7,183)76,475 
Total loans$201,371 $112,457 $313,828 $(112,053)$11,422 $(100,631)$3,504 $2,543 $164,457 $383,702 
Allowance for unfunded commitments
Commercial and industrial12,276 (3,998)8,278 — — — — 61 13,972 22,311 
Commercial real estate — owner occupied127 — 127 — — — — 4 135 266 
Commercial and business lending12,403 (3,998)8,405 — — — — 65 14,108 22,577 
Commercial real estate — investor530 246 776 — — — — 2 (141)636 
Real estate construction7,532 18,347 25,879 — — — — 45 (7,038)18,887 
Commercial real estate lending8,062 18,593 26,655 — — — — 47 (7,179)19,523 
Total commercial20,465 14,595 35,060 — — — — 112 6,929 42,101 
Home equity1,038 2,591 3,629 — — — — 66 (577)3,118 
Other consumer405 1,504 1,909 — — — — — 649 2,557 
Total consumer1,443 4,095 5,538 — — — — 66 72 5,675 
Total loans$21,907 $18,690 $40,597 $— $— $— $— $179 $7,000 $47,776 
Allowance for credit losses on loans
PPP$— $— $— $— $— $— $— $— $531 $531 0.07 %
Commercial and industrial103,409 48,921 152,330 (80,320)7,004 (73,316)293 469 85,327 165,105 2.14 %
Commercial real estate — owner occupied10,411 (1,851)8,560 (419)147 (272)890 259 2,102 11,539 1.28 %
Commercial and business lending113,820 47,070 160,890 (80,739)7,151 (73,588)1,183 728 87,961 177,175 1.89 %
Commercial real estate — investor41,044 2,287 43,331 (22,920)643 (22,277)753 474 71,792 94,071 2.17 %
Real estate construction32,447 25,814 58,261 (19)49 31 435 537 18,816 78,080 4.24 %
Commercial real estate lending73,490 28,101 101,591 (22,938)692 (22,246)1,188 1,011 90,608 172,152 2.78 %
Total commercial187,311 75,171 262,482 (103,677)7,844 (95,834)2,371 1,739 178,569 349,327 2.25 %
Residential mortgage16,960 33,215 50,175 (1,867)500 (1,367)651 403 (6,864)42,996 0.55 %
Home equity11,964 14,240 26,204 (1,719)1,978 259 422 440 (5,358)21,967 3.11 %
Other consumer7,044 8,520 15,564 (4,790)1,101 (3,689)61 140 5,111 17,187 5.49 %
Total consumer35,968 55,975 91,943 (8,376)3,579 (4,797)1,134 983 (7,112)82,150 0.92 %
Total loans$223,278 $131,147 $354,425 $(112,053)$11,422 $(100,631)$3,504 $2,722 $171,457 $431,478 1.76 %