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Loans, Allowance for Credit Losses, and Credit Quality (Tables)
 3 Months Ended
Mar. 31, 2015
Financing Receivable, Impaired [Line Items]  
Loan composition
 
March 31,
2015
 
December 31,
2014
 
($ in Thousands)
Commercial and industrial
$
6,140,420

 
$
5,905,902

Commercial real estate - owner occupied
1,003,885

 
1,007,937

Lease financing
49,496

 
51,529

Commercial and business lending
7,193,801

 
6,965,368

Commercial real estate - investor
3,086,980

 
3,056,485

Real estate construction
1,019,571

 
1,008,956

Commercial real estate lending
4,106,551

 
4,065,441

Total commercial
11,300,352

 
11,030,809

Home equity
1,583,614

 
1,636,058

Installment and credit cards
436,492

 
454,219

Residential mortgage
4,658,574

 
4,472,760

Total consumer
6,678,680

 
6,563,037

Total loans
$
17,979,032

 
$
17,593,846
Changes in the allowance for loan losses
 
Three Months Ended
March 31, 2015
 
Year Ended
December 31, 2014
 
($ in Thousands)
Allowance for Loan Losses:
 
 
 
Balance at beginning of period
$
266,302

 
$
268,315

Provision for loan losses
4,500

 
13,000

Charge offs
(13,270
)
 
(44,096
)
Recoveries
7,736

 
29,083

Net charge offs
(5,534
)
 
(15,013
)
Balance at end of period
$
265,268

 
$
266,302

Allowance for Unfunded Commitments:
 
 
 
Balance at beginning of period
$
24,900

 
$
21,900

Provision for unfunded commitments
—

 
3,000

Balance at end of period
$
24,900

 
$
24,900

Allowance for Credit Losses
$
290,168

 
$
291,202
Changes in the allowance for loan losses by portfolio segment
$ in Thousands
Commercial
and
industrial
 
Commercial
real estate -
owner
occupied
 
Lease
financing
 
Commercial
real estate -
investor
 
Real estate
construction
 
Home
equity
 
Installment
and credit
cards
 
Residential
mortgage
 
Total
Balance at Dec 31, 2014
$
116,025

 
$
16,510

 
$
1,610

 
$
46,333

 
$
20,999

 
$
30,359

 
$
6,435

 
$
28,031

 
$
266,302

Provision for loan losses
6,836

 
3,753

 
(130
)
 
(4,503
)
 
(402
)
 
348

 
359

 
(1,761
)
 
4,500

Charge offs
(6,829
)
 
(879
)
 
—

 
(1,002
)
 
—

 
(2,674
)
 
(938
)
 
(948
)
 
(13,270
)
Recoveries
2,179

 
140

 
—

 
3,531

 
743

 
669

 
169

 
305

 
7,736

Balance at Mar 31, 2015
$
118,211

 
$
19,524

 
$
1,480

 
$
44,359

 
$
21,340

 
$
28,702

 
$
6,025

 
$
25,627

 
$
265,268

Allowance for loan losses:
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Ending balance impaired loans individually evaluated for impairment
$
5,591

 
$
910

 
$
510

 
$
689

 
$
240

 
$
10

 
$
—

 
$
226

 
$
8,176

Ending balance impaired loans collectively evaluated for impairment
$
2,038

 
$
1,149

 
$
—

 
$
1,339

 
$
801

 
$
12,350

 
$
264

 
$
11,269

 
$
29,210

Total impaired loans
$
7,629

 
$
2,059

 
$
510

 
$
2,028

 
$
1,041

 
$
12,360

 
$
264

 
$
11,495

 
$
37,386

Ending balance all other loans collectively evaluated for impairment
$
110,582

 
$
17,465

 
$
970

 
$
42,331

 
$
20,299

 
$
16,342

 
$
5,761

 
$
14,132

 
$
227,882

Total
$
118,211

 
$
19,524

 
$
1,480

 
$
44,359

 
$
21,340

 
$
28,702

 
$
6,025

 
$
25,627

 
$
265,268

Loans:
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Ending balance impaired loans individually evaluated for impairment
$
58,091

 
$
17,133

 
$
1,720

 
$
10,297

 
$
3,843

 
$
911

 
$
—

 
$
9,761

 
$
101,756

Ending balance impaired loans collectively evaluated for impairment
$
29,995

 
$
14,508

 
$
—

 
$
26,220

 
$
2,297

 
$
29,255

 
$
1,406

 
$
57,726

 
$
161,407

Total impaired loans
$
88,086

 
$
31,641

 
$
1,720

 
$
36,517

 
$
6,140

 
$
30,166

 
$
1,406

 
$
67,487

 
$
263,163

Ending balance all other loans collectively evaluated for impairment
$
6,052,334

 
$
972,244

 
$
47,776

 
$
3,050,463

 
$
1,013,431

 
$
1,553,448

 
$
435,086

 
$
4,591,087

 
$
17,715,869

Total
$
6,140,420

 
$
1,003,885

 
$
49,496

 
$
3,086,980

 
$
1,019,571

 
$
1,583,614

 
$
436,492

 
$
4,658,574

 
$
17,979,032

$ in Thousands
Commercial
and
industrial
 
Commercial
real estate -
owner
occupied
 
Lease
financing
 
Commercial
real estate -
investor
 
Real estate
construction
 
Home
equity
 
Installment and credit cards
 
Residential
mortgage
 
Total
Balance at Dec 31, 2013
$
104,501

 
$
19,476

 
$
1,607

 
$
58,156

 
$
23,418

 
$
32,196

 
$
2,416

 
$
26,545

 
$
268,315

Provision for loan losses
14,767

 
(1,296
)
 
35

 
(17,290
)
 
(1,277
)
 
7,087

 
6,279

 
4,695

 
13,000

Charge offs
(14,633
)
 
(3,476
)
 
(39
)
 
(4,529
)
 
(1,958
)
 
(12,332
)
 
(2,876
)
 
(4,253
)
 
(44,096
)
Recoveries
11,390

 
1,806

 
7

 
9,996

 
816

 
3,408

 
616

 
1,044

 
29,083

Balance at Dec 31, 2014
$
116,025

 
$
16,510

 
$
1,610

 
$
46,333

 
$
20,999

 
$
30,359

 
$
6,435

 
$
28,031

 
$
266,302

Allowance for loan losses:
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Ending balance impaired loans individually evaluated for impairment
$
13,615

 
$
1,490

 
$
574

 
$
1,649

 
$
328

 
$
11

 
$
—

 
$
199

 
$
17,866

Ending balance impaired loans collectively evaluated for impairment
$
2,852

 
$
1,731

 
$
—

 
$
1,938

 
$
767

 
$
13,004

 
$
308

 
$
11,965

 
$
32,565

Total impaired loans
$
16,467

 
$
3,221

 
$
574

 
$
3,587

 
$
1,095

 
$
13,015

 
$
308

 
$
12,164

 
$
50,431

Ending balance all other loans collectively evaluated for impairment
$
99,558

 
$
13,289

 
$
1,036

 
$
42,746

 
$
19,904

 
$
17,344

 
$
6,127

 
$
15,867

 
$
215,871

Total
$
116,025

 
$
16,510

 
$
1,610

 
$
46,333

 
$
20,999

 
$
30,359

 
$
6,435

 
$
28,031

 
$
266,302

Loans:
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Ending balance impaired loans individually evaluated for impairment
$
45,118

 
$
20,731

 
$
1,801

 
$
19,683

 
$
3,776

 
$
962

 
$
—

 
$
9,751

 
$
101,822

Ending balance impaired loans collectively evaluated for impairment
$
38,437

 
$
15,548

 
$
—

 
$
26,129

 
$
2,350

 
$
30,845

 
$
1,587

 
$
58,911

 
$
173,807

Total impaired loans
$
83,555

 
$
36,279

 
$
1,801

 
$
45,812

 
$
6,126

 
$
31,807

 
$
1,587

 
$
68,662

 
$
275,629

Ending balance all other loans collectively evaluated for impairment
$
5,822,347

 
$
971,658

 
$
49,728

 
$
3,010,673

 
$
1,002,830

 
$
1,604,251

 
$
452,632

 
$
4,404,098

 
$
17,318,217

Total
$
5,905,902

 
$
1,007,937

 
$
51,529

 
$
3,056,485

 
$
1,008,956

 
$
1,636,058

 
$
454,219

 
$
4,472,760

 
$
17,593,846
Summarized details of Loans
 
30-59 Days
Past Due
 
60-89 Days
Past Due
 
90 Days or More
Past Due (a)
 
Total Past Due
 
Current
 
Total
 
($ in Thousands)
Accruing loans
 
 
 
 
 
 
 
 
 
 
 
Commercial and industrial
$
1,281

 
$
436

 
$
197

 
$
1,914

 
$
6,076,886

 
$
6,078,800

Commercial real estate - owner occupied
1,849

 
—

 
—

 
1,849

 
980,175

 
982,024

Lease financing
—

 
—

 
—

 
—

 
47,776

 
47,776

Commercial and business lending
3,130

 
436

 
197

 
3,763

 
7,104,837

 
7,108,600

Commercial real estate - investor
1,767

 
448

 
—

 
2,215

 
3,071,023

 
3,073,238

Real estate construction
317

 
—

 
—

 
317

 
1,013,831

 
1,014,148

Commercial real estate lending
2,084

 
448

 
—

 
2,532

 
4,084,854

 
4,087,386

Total commercial
5,214

 
884

 
197

 
6,295

 
11,189,691

 
11,195,986

Home equity
8,637

 
1,371

 
85

 
10,093

 
1,553,094

 
1,563,187

Installment and credit cards
1,180

 
638

 
1,433

 
3,251

 
432,726

 
435,977

Residential mortgage
3,302

 
101

 
—

 
3,403

 
4,606,133

 
4,609,536

Total consumer
13,119

 
2,110

 
1,518

 
16,747

 
6,591,953

 
6,608,700

Total accruing loans
$
18,333

 
$
2,994

 
$
1,715

 
$
23,042

 
$
17,781,644

 
$
17,804,686

Nonaccrual loans
 
 
 
 
 
 
 
 
 
 
 
Commercial and industrial
$
5,828

 
$
3,415

 
$
9,935

 
$
19,178

 
$
42,442

 
$
61,620

Commercial real estate - owner occupied
2,275

 
185

 
8,644

 
11,104

 
10,757

 
21,861

Lease financing
—

 
—

 
513

 
513

 
1,207

 
1,720

Commercial and business lending
8,103

 
3,600

 
19,092

 
30,795

 
54,406

 
85,201

Commercial real estate - investor
175

 
—

 
5,395

 
5,570

 
8,172

 
13,742

Real estate construction
1,350

 
173

 
872

 
2,395

 
3,028

 
5,423

Commercial real estate lending
1,525

 
173

 
6,267

 
7,965

 
11,200

 
19,165

Total commercial
9,628

 
3,773

 
25,359

 
38,760

 
65,606

 
104,366

Home equity
1,318

 
1,829

 
9,578

 
12,725

 
7,702

 
20,427

Installment and credit cards
33

 
35

 
154

 
222

 
293

 
515

Residential mortgage
3,276

 
3,321

 
17,531

 
24,128

 
24,910

 
49,038

Total consumer
4,627

 
5,185

 
27,263

 
37,075

 
32,905

 
69,980

Total nonaccrual loans (b)
$
14,255

 
$
8,958

 
$
52,622

 
$
75,835

 
$
98,511

 
$
174,346

Total loans
 
 
 
 
 
 
 
 
 
 
 
Commercial and industrial
$
7,109

 
$
3,851

 
$
10,132

 
$
21,092

 
$
6,119,328

 
$
6,140,420

Commercial real estate - owner occupied
4,124

 
185

 
8,644

 
12,953

 
990,932

 
1,003,885

Lease financing
—

 
—

 
513

 
513

 
48,983

 
49,496

Commercial and business lending
11,233

 
4,036

 
19,289

 
34,558

 
7,159,243

 
7,193,801

Commercial real estate - investor
1,942

 
448

 
5,395

 
7,785

 
3,079,195

 
3,086,980

Real estate construction
1,667

 
173

 
872

 
2,712

 
1,016,859

 
1,019,571

Commercial real estate lending
3,609

 
621

 
6,267

 
10,497

 
4,096,054

 
4,106,551

Total commercial
14,842

 
4,657

 
25,556

 
45,055

 
11,255,297

 
11,300,352

Home equity
9,955

 
3,200

 
9,663

 
22,818

 
1,560,796

 
1,583,614

Installment and credit cards
1,213

 
673

 
1,587

 
3,473

 
433,019

 
436,492

Residential mortgage
6,578

 
3,422

 
17,531

 
27,531

 
4,631,043

 
4,658,574

Total consumer
17,746

 
7,295

 
28,781

 
53,822

 
6,624,858

 
6,678,680

Total loans
$
32,588

 
$
11,952

 
$
54,337

 
$
98,877

 
$
17,880,155

 
$
17,979,032

(a)
The recorded investment in loans past due 90 days or more and still accruing totaled $2 million at March 31, 2015 (the same as the reported balances for the accruing loans noted above).
(b)
The percent of nonaccrual loans which are current was 57% at March 31, 2015.

The following table presents loans by past due status at December 31, 2014.
 
30-59 Days
Past Due
 
60-89 Days
Past Due
 
90 Days or More
Past Due (a)
 
Total Past Due
 
Current
 
Total
 
($ in Thousands)
Accruing loans
 
 
 
 
 
 
 
 
 
 
 
Commercial and industrial
$
4,466

 
$
10,281

 
$
254

 
$
15,001

 
$
5,841,238

 
$
5,856,239

Commercial real estate - owner occupied
8,429

 
2,199

 
—

 
10,628

 
971,484

 
982,112

Lease financing
—

 
—

 
—

 
—

 
49,728

 
49,728

Commercial and business lending
12,895

 
12,480

 
254

 
25,629

 
6,862,450

 
6,888,079

Commercial real estate - investor
712

 
496

 
—

 
1,208

 
3,032,592

 
3,033,800

Real estate construction
951

 
33

 
—

 
984

 
1,002,573

 
1,003,557

Commercial real estate lending
1,663

 
529

 
—

 
2,192

 
4,035,165

 
4,037,357

Total commercial
14,558

 
13,009

 
254

 
27,821

 
10,897,615

 
10,925,436

Home equity
8,037

 
2,546

 
52

 
10,635

 
1,603,682

 
1,614,317

Installment and credit cards
1,186

 
746

 
1,317

 
3,249

 
450,357

 
453,606

Residential mortgage
2,840

 
206

 
—

 
3,046

 
4,420,028

 
4,423,074

Total consumer
12,063

 
3,498

 
1,369

 
16,930

 
6,474,067

 
6,490,997

Total accruing loans
$
26,621

 
$
16,507

 
$
1,623

 
$
44,751

 
$
17,371,682

 
$
17,416,433

Nonaccrual loans
 
 
 
 
 
 
 
 
 
 
 
Commercial and industrial
$
872

 
$
627

 
$
10,154

 
$
11,653

 
$
38,010

 
$
49,663

Commercial real estate - owner occupied
3,197

 
41

 
8,596

 
11,834

 
13,991

 
25,825

Lease financing
—

 
—

 
513

 
513

 
1,288

 
1,801

Commercial and business lending
4,069

 
668

 
19,263

 
24,000

 
53,289

 
77,289

Commercial real estate - investor
1,857

 
459

 
12,765

 
15,081

 
7,604

 
22,685

Real estate construction
87

 
73

 
798

 
958

 
4,441

 
5,399

Commercial real estate lending
1,944

 
532

 
13,563

 
16,039

 
12,045

 
28,084

Total commercial
6,013

 
1,200

 
32,826

 
40,039

 
65,334

 
105,373

Home equity
1,615

 
2,306

 
10,602

 
14,523

 
7,218

 
21,741

Installment and credit cards
96

 
39

 
141

 
276

 
337

 
613

Residential mortgage
5,028

 
2,653

 
19,730

 
27,411

 
22,275

 
49,686

Total consumer
6,739

 
4,998

 
30,473

 
42,210

 
29,830

 
72,040

Total nonaccrual loans (b)
$
12,752

 
$
6,198

 
$
63,299

 
$
82,249

 
$
95,164

 
$
177,413

Total loans
 
 
 
 
 
 
 
 
 
 
 
Commercial and industrial
$
5,338

 
$
10,908

 
$
10,408

 
$
26,654

 
$
5,879,248

 
$
5,905,902

Commercial real estate - owner occupied
11,626

 
2,240

 
8,596

 
22,462

 
985,475

 
1,007,937

Lease financing
—

 
—

 
513

 
513

 
51,016

 
51,529

Commercial and business lending
16,964

 
13,148

 
19,517

 
49,629

 
6,915,739

 
6,965,368

Commercial real estate - investor
2,569

 
955

 
12,765

 
16,289

 
3,040,196

 
3,056,485

Real estate construction
1,038

 
106

 
798

 
1,942

 
1,007,014

 
1,008,956

Commercial real estate lending
3,607

 
1,061

 
13,563

 
18,231

 
4,047,210

 
4,065,441

Total commercial
20,571

 
14,209

 
33,080

 
67,860

 
10,962,949

 
11,030,809

Home equity
9,652

 
4,852

 
10,654

 
25,158

 
1,610,900

 
1,636,058

Installment and credit cards
1,282

 
785

 
1,458

 
3,525

 
450,694

 
454,219

Residential mortgage
7,868

 
2,859

 
19,730

 
30,457

 
4,442,303

 
4,472,760

Total consumer
18,802

 
8,496

 
31,842

 
59,140

 
6,503,897

 
6,563,037

Total loans
$
39,373

 
$
22,705

 
$
64,922

 
$
127,000

 
$
17,466,846

 
$
17,593,846

(a)
The recorded investment in loans past due 90 days or more and still accruing totaled $2 million at December 31, 2014 (the same as the reported balances for the accruing loans noted above).
(b)
The percent of nonaccrual loans which are current was 54% at December 31, 2014.
Summarized details of impaired Loans
 
Recorded
Investment
 
Unpaid
Principal
Balance
 
Related
Allowance
 
YTD
Average
Recorded
Investment
 
YTD Interest
Income
Recognized (a)
 
($ in Thousands)
Loans with a related allowance
 
 
 
 
 
 
 
 
 
Commercial and industrial
$
58,274

 
$
59,809

 
$
7,629

 
$
58,815

 
$
265

Commercial real estate - owner occupied
20,147

 
22,390

 
2,059

 
20,448

 
123

Lease financing
1,720

 
1,720

 
510

 
1,747

 
—

Commercial and business lending
80,141

 
83,919

 
10,198

 
81,010

 
388

Commercial real estate - investor
32,244

 
35,466

 
2,028

 
32,338

 
287

Real estate construction
2,967

 
4,354

 
1,041

 
2,987

 
17

Commercial real estate lending
35,211

 
39,820

 
3,069

 
35,325

 
304

Total commercial
115,352

 
123,739

 
13,267

 
116,335

 
692

Home equity
29,430

 
32,827

 
12,360

 
29,709

 
326

Installment and credit cards
1,406

 
1,618

 
264

 
1,437

 
9

Residential mortgage
60,444

 
64,709

 
11,495

 
60,761

 
495

Total consumer
91,280

 
99,154

 
24,119

 
91,907

 
830

Total loans
$
206,632

 
$
222,893

 
$
37,386

 
$
208,242

 
$
1,522

Loans with no related allowance
 
 
 
 
 
 
 
 
 
Commercial and industrial
$
29,812

 
$
38,438

 
$
—

 
$
30,561

 
$
104

Commercial real estate - owner occupied
11,494

 
13,672

 
—

 
11,753

 
—

Lease financing
—

 
—

 
—

 
—

 
—

Commercial and business lending
41,306

 
52,110

 
—

 
42,314

 
104

Commercial real estate - investor
4,273

 
6,565

 
—

 
4,954

 
8

Real estate construction
3,173

 
3,959

 
—

 
3,111

 
—

Commercial real estate lending
7,446

 
10,524

 
—

 
8,065

 
8

Total commercial
48,752

 
62,634

 
—

 
50,379

 
112

Home equity
736

 
763

 
—

 
766

 
2

Installment and credit cards
—

 
—

 
—

 
—

 
—

Residential mortgage
7,043

 
7,297

 
—

 
7,050

 
25

Total consumer
7,779

 
8,060

 
—

 
7,816

 
27

Total loans
$
56,531

 
$
70,694

 
$
—

 
$
58,195

 
$
139

Total
 
 
 
 
 
 
 
 
 
Commercial and industrial
$
88,086

 
$
98,247

 
$
7,629

 
$
89,376

 
$
369

Commercial real estate - owner occupied
31,641

 
36,062

 
2,059

 
32,201

 
123

Lease financing
1,720

 
1,720

 
510

 
1,747

 
—

Commercial and business lending
121,447

 
136,029

 
10,198

 
123,324

 
492

Commercial real estate - investor
36,517

 
42,031

 
2,028

 
37,292

 
295

Real estate construction
6,140

 
8,313

 
1,041

 
6,098

 
17

Commercial real estate lending
42,657

 
50,344

 
3,069

 
43,390

 
312

Total commercial
164,104

 
186,373

 
13,267

 
166,714

 
804

Home equity
30,166

 
33,590

 
12,360

 
30,475

 
328

Installment and credit cards
1,406

 
1,618

 
264

 
1,437

 
9

Residential mortgage
67,487

 
72,006

 
11,495

 
67,811

 
520

Total consumer
99,059

 
107,214

 
24,119

 
99,723

 
857

Total loans (b)
$
263,163

 
$
293,587

 
$
37,386

 
$
266,437

 
$
1,661

(a)
Interest income recognized included $1 million of interest income recognized on accruing restructured loans for the three months ended March 31, 2015
(b)
The implied fair value mark on all impaired loans at March 31, 2015, was 77% of their unpaid principal balance. The fair value mark is calculated as the recorded investment, net of the related allowance, divided by the unpaid principal balance.

The following table presents impaired loans at December 31, 2014. 
 
Recorded
Investment
 
Unpaid
Principal
Balance
 
Related
Allowance
 
YTD
Average
Recorded
Investment
 
YTD Interest
Income
Recognized (a)
 
($ in Thousands)
Loans with a related allowance
 
 
 
 
 
 
 
 
 
Commercial and industrial
$
76,433

 
$
80,414

 
$
16,467

 
$
80,004

 
$
3,139

Commercial real estate - owner occupied
19,839

 
21,807

 
3,221

 
20,878

 
681

Lease financing
1,801

 
1,801

 
574

 
2,009

 
—

Commercial and business lending
98,073

 
104,022

 
20,262

 
102,891

 
3,820

Commercial real estate - investor
36,841

 
40,869

 
3,587

 
38,657

 
1,250

Real estate construction
3,043

 
5,910

 
1,095

 
3,818

 
105

Commercial real estate lending
39,884

 
46,779

 
4,682

 
42,475

 
1,355

Total commercial
137,957

 
150,801

 
24,944

 
145,366

 
5,175

Home equity
31,021

 
34,727

 
13,015

 
32,375

 
1,510

Installment and credit cards
1,587

 
1,795

 
308

 
1,736

 
58

Residential mortgage
61,601

 
65,863

 
12,164

 
62,742

 
2,054

Total consumer
94,209

 
102,385

 
25,487

 
96,853

 
3,622

Total loans
$
232,166

 
$
253,186

 
$
50,431

 
$
242,219

 
$
8,797

Loans with no related allowance
 
 
 
 
 
 
 
 
 
Commercial and industrial
$
7,122

 
$
12,634

 
$
—

 
$
8,851

 
$
82

Commercial real estate - owner occupied
16,440

 
19,019

 
—

 
17,970

 
219

Lease financing
—

 
—

 
—

 
—

 
—

Commercial and business lending
23,562

 
31,653

 
—

 
26,821

 
301

Commercial real estate - investor
8,971

 
14,036

 
—

 
10,014

 
133

Real estate construction
3,083

 
3,815

 
—

 
3,241

 
—

Commercial real estate lending
12,054

 
17,851

 
—

 
13,255

 
133

Total commercial
35,616

 
49,504

 
—

 
40,076

 
434

Home equity
786

 
806

 
—

 
851

 
18

Installment and credit cards
—

 
—

 
—

 
—

 
—

Residential mortgage
7,061

 
7,315

 
—

 
7,224

 
135

Total consumer
7,847

 
8,121

 
—

 
8,075

 
153

Total loans
$
43,463

 
$
57,625

 
$
—

 
$
48,151

 
$
587

Total
 
 
 
 
 
 
 
 
 
Commercial and industrial
$
83,555

 
$
93,048

 
$
16,467

 
$
88,855

 
$
3,221

Commercial real estate - owner occupied
36,279

 
40,826

 
3,221

 
38,848

 
900

Lease financing
1,801

 
1,801

 
574

 
2,009

 
—

Commercial and business lending
121,635

 
135,675

 
20,262

 
129,712

 
4,121

Commercial real estate - investor
45,812

 
54,905

 
3,587

 
48,671

 
1,383

Real estate construction
6,126

 
9,725

 
1,095

 
7,059

 
105

Commercial real estate lending
51,938

 
64,630

 
4,682

 
55,730

 
1,488

Total commercial
173,573

 
200,305

 
24,944

 
185,442

 
5,609

Home equity
31,807

 
35,533

 
13,015

 
33,226

 
1,528

Installment and credit cards
1,587

 
1,795

 
308

 
1,736

 
58

Residential mortgage
68,662

 
73,178

 
12,164

 
69,966

 
2,189

Total consumer
102,056

 
110,506

 
25,487

 
104,928

 
3,775

Total loans (b)
$
275,629

 
$
310,811

 
$
50,431

 
$
290,370

 
$
9,384

(a)
Interest income recognized included $5 million of interest income recognized on accruing restructured loans for the year ended December 31, 2014.
(b)
The implied fair value mark on all impaired loans at December 31, 2014, was 72% of their unpaid principal balance. The fair value mark is calculated as the recorded investment, net of the related allowance, divided by the unpaid principal balance.
Nonaccrual and Performing Restructured Loans
 
March 31, 2015
 
December 31, 2014
 
Performing
Restructured
Loans
 
Nonaccrual
Restructured
Loans *
 
Performing
Restructured
Loans
 
Nonaccrual
Restructured
Loans *
 
($ in Thousands)
Commercial and industrial
$
26,466

 
$
6,631

 
$
33,892

 
$
3,260

Commercial real estate - owner occupied
9,780

 
5,705

 
10,454

 
5,656

Commercial real estate - investor
22,775

 
8,697

 
23,127

 
15,216

Real estate construction
717

 
2,349

 
727

 
2,438

Home equity
9,739

 
6,555

 
10,066

 
7,518

Installment and credit cards
891

 
167

 
974

 
199

Residential mortgage
18,449

 
23,449

 
18,976

 
23,369

Total
$
88,817

 
$
53,553

 
$
98,216

 
$
57,656

*
Nonaccrual restructured loans have been included with nonaccrual loans.
Summary of Restructured Loans
 
Three Months Ended March 31, 2015
 
Three Months Ended March 31, 2014
 
Number of
Loans
 
Recorded
Investment (1)
 
Unpaid
Principal
Balance (2)
 
Number of
Loans
 
Recorded
Investment (1)
 
Unpaid
Principal
Balance (2)
 
($ in Thousands)
Commercial and industrial
2

 
$
196

 
$
208

 
8

 
$
3,446

 
$
7,218

Commercial real estate - owner occupied
5

 
3,585

 
3,641

 
4

 
5,298

 
5,781

Commercial real estate - investor
4

 
3,030

 
3,042

 
4

 
1,643

 
1,676

Home equity
36

 
1,782

 
1,843

 
30

 
935

 
1,218

Installment and credit cards
—

 
—

 
—

 
1

 
10

 
20

Residential mortgage
30

 
2,816

 
2,864

 
21

 
2,750

 
2,920

Total
77

 
$
11,409

 
$
11,598

 
68

 
$
14,082

 
$
18,833

 
(1)
Represents post-modification outstanding recorded investment.
(2)
Represents pre-modification outstanding recorded investment.
Troubled debt restructurings subsequent redefault
 
Three Months Ended March 31, 2015
 
Three Months Ended March 31, 2014
 
Number of
Loans
 
Recorded
Investment
 
Number of
Loans
 
Recorded
Investment
 
($ in Thousands)
Commercial real estate - owner occupied
1

 
$
297

 
—

 
$
—

Real estate construction
—

 
—

 
1

 
161

Home equity
24

 
855

 
7

 
388

Installment and credit cards
—

 
—

 
1

 
10

Residential mortgage
16

 
1,239

 
12

 
1,761

Total
41

 
$
2,391

 
21

 
$
2,320
Commercial Loan [Member]  
Financing Receivable, Impaired [Line Items]  
Commercial and Consumer loans by credit quality indicator
 
Pass
 
Special
Mention
 
Potential
Problem
 
Impaired
 
Total
 
($ in Thousands)
Commercial and industrial
$
5,820,038

 
$
93,893

 
$
138,403

 
$
88,086

 
$
6,140,420

Commercial real estate - owner occupied
911,673

 
17,457

 
43,114

 
31,641

 
1,003,885

Lease financing
44,857

 
910

 
2,009

 
1,720

 
49,496

Commercial and business lending
6,776,568

 
112,260

 
183,526

 
121,447

 
7,193,801

Commercial real estate - investor
3,013,499

 
10,938

 
26,026

 
36,517

 
3,086,980

Real estate construction
1,011,271

 
673

 
1,487

 
6,140

 
1,019,571

Commercial real estate lending
4,024,770

 
11,611

 
27,513

 
42,657

 
4,106,551

Total commercial
$
10,801,338

 
$
123,871

 
$
211,039

 
$
164,104

 
$
11,300,352

The following table presents commercial loans by credit quality indicator at December 31, 2014.
 
Pass
 
Special
Mention
 
Potential
Problem
 
Impaired
 
Total
 
($ in Thousands)
Commercial and industrial
$
5,594,497

 
$
119,328

 
$
108,522

 
$
83,555

 
$
5,905,902

Commercial real estate - owner occupied
904,526

 
18,437

 
48,695

 
36,279

 
1,007,937

Lease financing
46,931

 
88

 
2,709

 
1,801

 
51,529

Commercial and business lending
6,545,954

 
137,853

 
159,926

 
121,635

 
6,965,368

Commercial real estate - investor
2,974,493

 
12,137

 
24,043

 
45,812

 
3,056,485

Real estate construction
998,972

 
2,082

 
1,776

 
6,126

 
1,008,956

Commercial real estate lending
3,973,465

 
14,219

 
25,819

 
51,938

 
4,065,441

Total commercial
$
10,519,419

 
$
152,072

 
$
185,745

 
$
173,573

 
$
11,030,809
Consumer Loan [Member]  
Financing Receivable, Impaired [Line Items]  
Commercial and Consumer loans by credit quality indicator
 
Performing
 
30-89 Days
Past Due
 
Potential
Problem
 
Impaired
 
Total
 
($ in Thousands)
Home equity
$
1,542,482

 
$
10,008

 
$
958

 
$
30,166

 
$
1,583,614

Installment and credit cards
433,268

 
1,818

 
—

 
1,406

 
436,492

Residential mortgage
4,581,063

 
3,403

 
6,621

 
67,487

 
4,658,574

Total consumer
$
6,556,813

 
$
15,229

 
$
7,579

 
$
99,059

 
$
6,678,680

The following table presents consumer loans by credit quality indicator at December 31, 2014.
 
Performing
 
30-89 Days
Past Due
 
Potential
Problem
 
Impaired
 
Total
 
($ in Thousands)
Home equity
$
1,592,788

 
$
10,583

 
$
880

 
$
31,807

 
$
1,636,058

Installment and credit cards
450,698

 
1,932

 
2

 
1,587

 
454,219

Residential mortgage
4,397,271

 
3,046

 
3,781

 
68,662

 
4,472,760

Total consumer
$
6,440,757

 
$
15,561

 
$
4,663

 
$
102,056

 
$
6,563,037