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Loans and Leases (Tables)
 6 Months Ended
Jun. 30, 2021
Loans and Leases Receivable Disclosure [Abstract]  
Loans And Leases Outstanding
Loans and leases outstanding included the following at June 30, 2021 and December 31, 2020:
(Dollars in thousands)June 30, 2021December 31, 2020
Commercial:
Construction and land development$1,183,929 $985,424 
Owner occupied commercial mortgage11,526,070 11,165,012 
Non-owner occupied commercial mortgage3,015,329 2,987,689 
Commercial and industrial and leases5,067,163 5,013,644 
SBA-PPP1,698,416 2,406,291 
Total commercial loans22,490,907 22,558,060 
Consumer:
Residential mortgage5,652,458 5,561,686 
Revolving mortgage1,884,633 2,052,854 
Construction and land development376,492 348,123 
Consumer auto1,287,541 1,255,402 
Consumer other601,115 552,968 
Total consumer loans9,802,239 9,771,033 
PCD loans396,506 462,882 
Total loans and leases$32,689,652 $32,791,975 
Schedule of Amortized Cost of Loans
The following table presents selected components of the amortized cost of loans.
(Dollars in thousands)June 30, 2021December 31, 2020
Deferred fees, including unearned fees and unamortized costs on non-PCD loans
Net deferred fees related to SBA-PPP loans$54,855 $41,064 
Net deferred fees related to other portfolios14,1709,153
Total net deferred fees$69,025 $50,217 
Net unamortized discount on purchased loans
Non-PCD$14,502 $19,473 
PCD35,806 45,254 
Total$50,308 $64,727 
Recorded Investment, By Class, In Loans And Leases On Nonaccrual Status And Loans And Leases Greater Than 90 Days Past Due And Still Accruing
June 30, 2021
(Dollars in thousands)30-59 days
past due		60-89 days
past due		90 days or greaterTotal past
due		CurrentTotal loans
and leases
Commercial:
Construction and land development$2,049 $— $2,342 $4,391 $1,179,538 $1,183,929 
Owner occupied commercial mortgage11,258 4,071 10,759 26,088 11,499,982 11,526,070 
Non-owner occupied commercial mortgage5,356 3,659 3,353 12,368 3,002,961 3,015,329 
Commercial and industrial and leases11,809 3,370 7,219 22,398 5,044,765 5,067,163 
SBA-PPP— — — — 1,698,416 1,698,416 
Total commercial loans30,472 11,100 23,673 65,245 22,425,662 22,490,907 
Consumer:
Residential mortgage15,387 5,605 23,988 44,980 5,607,478 5,652,458 
Revolving mortgage7,277 2,157 7,928 17,362 1,867,271 1,884,633 
Construction and land development 684 69 127 880 375,612 376,492 
Consumer auto5,410 1,098 1,045 7,553 1,279,988 1,287,541 
Consumer other3,089 1,020 1,142 5,251 595,864 601,115 
Total consumer loans31,847 9,949 34,230 76,026 9,726,213 9,802,239 
PCD loans12,672 4,718 29,113 46,503 350,003 396,506 
Total loans and leases$74,991 $25,767 $87,016 $187,774 $32,501,878 $32,689,652 
December 31, 2020
(Dollars in thousands)30-59 days
past due		60-89 days
past due		90 days or greaterTotal past
due		CurrentTotal loans
and leases
Commercial:
Construction and land development$956 $527 $1,603 $3,086 $982,338 $985,424 
Owner occupied commercial mortgage8,757 2,232 14,082 25,071 11,139,941 11,165,012 
Non-owner occupied commercial mortgage12,370 — 5,973 18,343 2,969,346 2,987,689 
Commercial and industrial and leases14,532 2,842 3,243 20,617 4,993,027 5,013,644 
SBA-PPP— — — — 2,406,291 2,406,291 
Total commercial loans36,615 5,601 24,901 67,117 22,490,943 22,558,060 
Consumer:
Residential mortgage43,218 8,364 31,690 83,272 5,478,414 5,561,686 
Revolving mortgage11,977 2,626 7,415 22,018 2,030,836 2,052,854 
Construction and land development 932 77 330 1,339 346,784 348,123 
Consumer auto6,825 1,835 1,076 9,736 1,245,666 1,255,402 
Consumer other3,610 1,464 1,505 6,579 546,389 552,968 
Total consumer loans66,562 14,366 42,016 122,944 9,648,089 9,771,033 
PCD loans18,322 6,076 31,026 55,424 407,458 462,882 
Total loans and leases$121,499 $26,043 $97,943 $245,485 $32,546,490 $32,791,975 
The amortized cost, by class, of loans and leases on nonaccrual status, and loans and leases greater than 90 days past due and still accruing at June 30, 2021 and December 31, 2020, were as follows:
 June 30, 2021December 31, 2020
(Dollars in thousands)Nonaccrual
loans and
leases		Loans and
leases > 90
days and
accruing		Nonaccrual
loans and
leases		Loans and
leases > 90
days and
accruing
Commercial:
Construction and land development$1,574 $816 $1,661 $— 
Owner occupied commercial mortgage24,695 1,226 23,103 3,625 
Non-owner occupied commercial mortgage7,149 — 7,932 147 
Commercial and industrial and leases24,082 466 10,626 540 
Total commercial loans57,500 2,508 43,322 4,312 
Consumer:
Residential mortgage53,443 — 66,345 — 
Revolving mortgage21,143 — 22,236 — 
Construction and land development763 — 652 — 
Consumer auto3,192 — 3,166 — 
Consumer other489 905 823 1,195 
Total consumer loans79,030 905 93,222 1,195 
PCD loans50,934 363 54,939 355 
Total loans and leases$187,464 $3,776 $191,483 $5,862 
Composition Of The Loans And Leases Outstanding By Credit Quality Indicator
The following tables represent current credit quality indicators by origination year as of June 30, 2021.
June 30, 2021
Commercial Loans Amortized Cost Basis by Origination Year
Classification:20212020201920182017PriorRevolvingRevolving converted to term loansTotal
(Dollars in thousands)
Construction and land development
Pass$222,124 $441,299 $281,357 $165,495 $47,101 $13,659 $4,395 $— $1,175,430 
Special Mention20 218 — 146 72 — 138 — 594 
Substandard— 144 1,056 1,444 5,110 11 140 — 7,905 
Total222,144 441,661 282,413 167,085 52,283 13,670 4,673 — 1,183,929 
Owner occupied commercial mortgage
Pass1,420,375 3,123,179 2,090,297 1,417,269 1,105,141 2,009,482 104,492 116 11,270,351 
Special Mention782 25,052 28,380 33,575 11,938 27,394 3,030 72 130,223 
Substandard9,562 5,902 20,415 10,246 22,560 48,273 8,538 — 125,496 
Total1,430,719 3,154,133 2,139,092 1,461,090 1,139,639 2,085,149 116,060 188 11,526,070 
Non-owner occupied commercial mortgage
Pass312,438 801,110 584,899 300,019 298,984 576,807 32,061 — 2,906,318 
Special Mention783 647 855 10,678 832 2,818 500 — 17,113 
Substandard981 11,897 23,971 10,955 10,696 32,072 1,326 — 91,898 
Total314,202 813,654 609,725 321,652 310,512 611,697 33,887 — 3,015,329 
Commercial and industrial and leases
Pass815,211 1,272,974 798,870 397,616 220,881 392,573 988,180 5,214 4,891,519 
Special Mention2,003 9,274 22,326 5,867 4,587 5,746 7,268 192 57,263 
Substandard6,788 6,220 4,606 4,496 3,155 4,124 20,414 1,351 51,154 
Doubtful— 49 17 — — — 1 — 67 
Ungraded— — — — — — 67,160 — 67,160 
Total824,002 1,288,517 825,819 407,979 228,623 402,443 1,083,023 6,757 5,067,163 
SBA-PPP
Pass1,157,721 540,695 — — — — — — 1,698,416 
Total commercial$3,948,788 $6,238,660 $3,857,049 $2,357,806 $1,731,057 $3,112,959 $1,237,643 $6,945 $22,490,907 
Consumer and PCD Loans Amortized Cost Basis by Origination Year
Days Past Due:20212020201920182017PriorRevolvingRevolving converted to term loansTotal
(Dollars in thousands)
Residential mortgage
Current$1,146,230 $1,727,617 $779,136 $477,386 $440,502 $1,014,974 $21,633 $— $5,607,478 
30-59 days1,461 1,343 2,201 1,707 2,098 6,539 38 — 15,387 
60-89 days144 1,025 64 263 451 3,585 73 — 5,605 
90 days or greater— 237 1,694 1,544 3,370 17,143 — — 23,988 
Total1,147,835 1,730,222 783,095 480,900 446,421 1,042,241 21,744 — 5,652,458 
Revolving mortgage
Current— — — — — — 1,736,398 130,873 1,867,271 
30-59 days— — — — — — 4,234 3,043 7,277 
60-89 days— — — — — — 875 1,282 2,157 
90 days or greater— — — — — — 4,245 3,683 7,928 
Total— — — — — — 1,745,752 138,881 1,884,633 
Construction and land development
Current100,826 209,612 38,606 13,906 7,060 3,669 1,933 — 375,612 
30-59 days281 — — 114 — 289 — — 684 
60-89 days— — 15 50 4 — — — 69 
90 days or greater— — — — — 127 — — 127 
Total101,107 209,612 38,621 14,070 7,064 4,085 1,933 — 376,492 
Consumer auto
Current314,523 432,620 262,684 163,836 72,275 34,050 — — 1,279,988 
30-59 days725 1,516 1,376 925 605 263 — — 5,410 
60-89 days69 347 367 248 16 51 — — 1,098 
90 days or greater— 365 415 177 78 10 — — 1,045 
Total315,317 434,848 264,842 165,186 72,974 34,374 — — 1,287,541 
Consumer other
Current78,465 38,660 19,115 6,668 5,481 31,966 415,509 — 595,864 
30-59 days12 127 91 25 26 120 2,688 — 3,089 
60-89 days18 22 25 1 — — 954 — 1,020 
90 days or greater10 37 19 9 — — 1,067 — 1,142 
Total78,505 38,846 19,250 6,703 5,507 32,086 420,218 — 601,115 
Total consumer$1,642,764 $2,413,528 $1,105,808 $666,859 $531,966 $1,112,786 $2,189,647 $138,881 $9,802,239 
PCD loans
Current$— $24,591 $22,834 $21,907 $23,877 $227,641 $11,185 $17,968 $350,003 
30-59 days— 632 469 663 536 9,404 513 455 12,672 
60-89 days— 420 66 539 56 3,553 52 32 4,718 
90 days or greater— 732 2,199 3,433 1,637 19,988 81 1,043 29,113 
Total PCD$— $26,375 $25,568 $26,542 $26,106 $260,586 $11,831 $19,498 $396,506 
Total loans and leases$5,591,552 $8,678,563 $4,988,425 $3,051,207 $2,289,129 $4,486,331 $3,439,121 $165,324 $32,689,652 
The following tables represent current credit quality indicators by origination year as of December 31, 2020.
December 31, 2020
Commercial Loans Amortized Cost Basis by Origination Year
Classification:20202019201820172016PriorRevolvingRevolving converted to term loansTotal
(Dollars in thousands)
Construction and land development
Pass$342,183 $341,233 $190,429 $50,776 $23,969 $11,306 $10,969 $— $970,865 
Special Mention246 — 6,421 5,342 — — 153 — 12,162 
Substandard229 629 1,450 — 8 81 — — 2,397 
Total342,658 341,862 198,300 56,118 23,977 11,387 11,122 — 985,424 
Owner occupied commercial mortgage
Pass3,183,467 2,201,165 1,625,141 1,301,412 1,049,858 1,454,020 101,556 133 10,916,752 
Special Mention6,274 20,702 36,739 12,387 17,699 25,693 5,115 72 124,681 
Substandard10,280 19,052 9,842 20,928 13,736 41,303 8,438 — 123,579 
Total3,200,021 2,240,919 1,671,722 1,334,727 1,081,293 1,521,016 115,109 205 11,165,012 
Non-owner occupied commercial mortgage
Pass865,514 609,975 378,136 331,800 282,810 391,517 32,149 — 2,891,901 
Special Mention569 905 10,794 1,808 5,121 3,279 483 — 22,959 
Substandard2,899 18,546 12,296 8,764 14,087 15,427 810 — 72,829 
Total868,982 629,426 401,226 342,372 302,018 410,223 33,442 — 2,987,689 
Commercial and industrial and leases
Pass1,620,622 983,852 504,463 310,468 234,735 286,996 899,978 5,520 4,846,634 
Special Mention3,146 17,065 7,265 5,393 3,307 4,912 9,152 189 50,429 
Substandard17,811 4,095 4,370 4,257 2,548 3,801 22,384 983 60,249 
Ungraded— — — — — — 56,332 — 56,332 
Total1,641,579 1,005,012 516,098 320,118 240,590 295,709 987,846 6,692 5,013,644 
SBA-PPP
Pass2,406,291 — — — — — — — 2,406,291 
Total commercial$8,459,531 $4,217,219 $2,787,346 $2,053,335 $1,647,878 $2,238,335 $1,147,519 $6,897 $22,558,060 
Consumer and PCD Loans Amortized Cost Basis by Origination Year
Days Past Due:20202019201820172016PriorRevolvingRevolving converted to term loansTotal
(Dollars in thousands)
Residential mortgage
Current$1,882,683 $978,298 $655,798 $596,309 $461,719 $878,634 $24,973 $— $5,478,414 
30-59 days2,278 4,573 11,463 3,772 8,613 12,299 220 — 43,218 
60-89 days30 100 1,246 1,449 834 4,705 — — 8,364 
90 days or greater282 4,831 3,150 4,015 5,689 13,723 — — 31,690 
Total1,885,273 987,802 671,657 605,545 476,855 909,361 25,193 — 5,561,686 
Revolving mortgage
Current— — — — — — 1,879,968 150,868 2,030,836 
30-59 days— — — — — — 8,241 3,736 11,977 
60-89 days— — — — — — 527 2,099 2,626 
90 days or greater— — — — — — 2,301 5,114 7,415 
Total— — — — — — 1,891,037 161,817 2,052,854 
Construction and land development
Current215,112 85,707 24,860 10,269 6,093 2,218 2,525 — 346,784 
30-59 days— 420 121 370 — 21 — — 932 
60-89 days— — — 9 — 68 — — 77 
90 days or greater— — — — — 330 — — 330 
Total215,112 86,127 24,981 10,648 6,093 2,637 2,525 — 348,123 
Consumer auto
Current521,719 340,594 219,597 104,280 49,872 9,604 — — 1,245,666 
30-59 days2,175 1,873 1,257 842 544 134 — — 6,825 
60-89 days329 689 312 351 109 45 — — 1,835 
90 days or greater170 527 217 57 102 3 — — 1,076 
Total524,393 343,683 221,383 105,530 50,627 9,786 — — 1,255,402 
Consumer other
Current53,842 27,117 10,911 7,159 2,980 29,336 415,044 — 546,389 
30-59 days322 114 77 18 11 7 3,061 — 3,610 
60-89 days102 20 13 18 3 23 1,285 — 1,464 
90 days or greater53 84 8 — — — 1,360 — 1,505 
Total54,319 27,335 11,009 7,195 2,994 29,366 420,750 — 552,968 
Total consumer$2,679,097 $1,444,947 $929,030 $728,918 $536,569 $951,150 $2,339,505 $161,817 $9,771,033 
PCD loans
Current$31,475 $25,425 $27,183 $27,955 $28,995 $232,186 $13,212 $21,027 $407,458 
30-59 days999 925 801 718 1,341 12,637 156 745 18,322 
60-89 days447 81 312 695 97 4,098 9 337 6,076 
90 days or greater721 2,325 4,755 1,208 897 19,963 111 1,046 31,026 
Total PCD$33,642 $28,756 $33,051 $30,576 $31,330 $268,884 $13,488 $23,155 $462,882 
Total loans and leases$11,172,270 $5,690,922 $3,749,427 $2,812,829 $2,215,777 $3,458,369 $3,500,512 $191,869 $32,791,975 
Schedule of Loans Pledged as Collateral
The following table provides information regarding loans pledged as collateral for borrowing capacity through the FHLB of Atlanta and the Federal Reserve Bank (“FRB”) as of June 30, 2021 and December 31, 2020:
(Dollars in thousands)June 30, 2021December 31, 2020
FHLB of Atlanta
Lendable collateral value of pledged non-PCD loans$8,900,711 $8,637,844 
Less: Advances646,667 652,675 
Available borrowing capacity$8,254,044 $7,985,169 
Pledged non-PCD loans$12,498,810 $12,157,153 
FRB
Lendable collateral value of pledged non-PCD loans$3,532,492 $3,321,762 
Less: Advances— — 
Available borrowing capacity$3,532,492 $3,321,762 
Pledged non-PCD loans$4,380,334 $4,104,866