XML 36 R25.htm IDEA: XBRL DOCUMENT v3.21.2
Loans and Leases (Tables)
 9 Months Ended
Sep. 30, 2021
Loans and Leases Receivable Disclosure [Abstract]  
Loans And Leases Outstanding
Loans and leases outstanding included the following at September 30, 2021 and December 31, 2020:
(Dollars in thousands)September 30, 2021December 31, 2020
Commercial:
Construction and land development$1,247,680 $985,424 
Owner occupied commercial mortgage11,625,554 11,165,012 
Non-owner occupied commercial mortgage3,002,928 2,987,689 
Commercial and industrial and leases5,266,266 5,013,644 
SBA-PPP1,086,917 2,406,291 
Total commercial loans22,229,345 22,558,060 
Consumer:
Residential mortgage5,701,346 5,561,686 
Revolving mortgage1,834,690 2,052,854 
Construction and land development391,768 348,123 
Consumer auto1,350,377 1,255,402 
Consumer other635,408 552,968 
Total consumer loans9,913,589 9,771,033 
PCD loans373,255 462,882 
Total loans and leases$32,516,189 $32,791,975 
Schedule of Amortized Cost of Loans
The following table presents selected components of the amortized cost of loans.
(Dollars in thousands)September 30, 2021December 31, 2020
Deferred fees, including unearned fees and unamortized costs on non-PCD loans
Net deferred fees related to SBA-PPP loans$39,372 $41,064 
Net deferred fees related to other portfolios15,1629,153
Total net deferred fees$54,534 $50,217 
Net unamortized discount on purchased loans
Non-PCD$13,350 $19,473 
PCD32,623 45,254 
Total$45,973 $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
September 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$233 $— $1,424 $1,657 $1,246,023 $1,247,680 
Owner occupied commercial mortgage7,210 5,553 8,198 20,961 11,604,593 11,625,554 
Non-owner occupied commercial mortgage752 1,245 6,716 8,713 2,994,215 3,002,928 
Commercial and industrial and leases10,309 3,234 9,690 23,233 5,243,033 5,266,266 
SBA-PPP— — — — 1,086,917 1,086,917 
Total commercial loans18,504 10,032 26,028 54,564 22,174,781 22,229,345 
Consumer:
Residential mortgage18,417 6,607 20,864 45,888 5,655,458 5,701,346 
Revolving mortgage5,587 1,443 4,513 11,543 1,823,147 1,834,690 
Construction and land development 477 1,719 70 2,266 389,502 391,768 
Consumer auto5,345 1,173 1,263 7,781 1,342,596 1,350,377 
Consumer other2,197 1,122 1,295 4,614 630,794 635,408 
Total consumer loans32,023 12,064 28,005 72,092 9,841,497 9,913,589 
PCD loans11,407 5,200 27,111 43,718 329,537 373,255 
Total loans and leases$61,934 $27,296 $81,144 $170,374 $32,345,815 $32,516,189 
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 September 30, 2021 and December 31, 2020, were as follows:
 September 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$1,457 $— $1,661 $— 
Owner occupied commercial mortgage19,886 601 23,103 3,625 
Non-owner occupied commercial mortgage10,613 — 7,932 147 
Commercial and industrial and leases20,689 1,414 10,626 540 
Total commercial loans52,645 2,015 43,322 4,312 
Consumer:
Residential mortgage44,463 779 66,345 — 
Revolving mortgage17,295 — 22,236 — 
Construction and land development571 — 652 — 
Consumer auto3,287 — 3,166 — 
Consumer other476 1,033 823 1,195 
Total consumer loans66,092 1,812 93,222 1,195 
PCD loans45,038 1,787 54,939 355 
Total loans and leases$163,775 $5,614 $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 September 30, 2021.
September 30, 2021
Commercial Loans Amortized Cost Basis by Origination Year
Classification:20212020201920182017PriorRevolvingRevolving converted to term loansTotal
(Dollars in thousands)
Construction and land development
Pass$373,012 $451,926 $256,321 $98,892 $44,343 $12,396 $4,231 $— $1,241,121 
Special Mention19 157 — 134 63 — — — 373 
Substandard300 38 326 1,442 4,070 10 — — 6,186 
Total373,331 452,121 256,647 100,468 48,476 12,406 4,231 — 1,247,680 
Owner occupied commercial mortgage
Pass2,069,209 3,078,093 1,989,052 1,316,012 1,036,593 1,778,334 122,411 120 11,389,824 
Special Mention2,082 24,356 29,358 28,165 12,199 20,469 4,047 71 120,747 
Substandard9,459 7,495 22,482 10,947 18,598 39,695 6,307 — 114,983 
Total2,080,750 3,109,944 2,040,892 1,355,124 1,067,390 1,838,498 132,765 191 11,625,554 
Non-owner occupied commercial mortgage
Pass438,949 770,507 587,335 278,507 283,867 507,411 31,876 — 2,898,452 
Special Mention495 487 263 10,219 800 5,654 500 — 18,418 
Substandard2,615 11,742 22,600 10,184 10,243 27,352 1,322 — 86,058 
Total442,059 782,736 610,198 298,910 294,910 540,417 33,698 — 3,002,928 
Commercial and industrial and leases
Pass1,238,557 1,162,246 714,374 344,220 193,857 350,870 1,087,462 5,136 5,096,722 
Special Mention2,323 8,279 22,100 3,528 4,070 4,324 4,575 206 49,405 
Substandard7,765 7,978 4,770 4,241 3,175 4,221 17,392 1,280 50,822 
Doubtful— — — — — 1 1 — 2 
Ungraded— — — — — — 69,315 — 69,315 
Total1,248,645 1,178,503 741,244 351,989 201,102 359,416 1,178,745 6,622 5,266,266 
SBA-PPP
Pass1,011,370 75,547 — — — — — — 1,086,917 
Total commercial$5,156,155 $5,598,851 $3,648,981 $2,106,491 $1,611,878 $2,750,737 $1,349,439 $6,813 $22,229,345 
Consumer and PCD Loans Amortized Cost Basis by Origination Year
Days Past Due:20212020201920182017PriorRevolvingRevolving converted to term loansTotal
(Dollars in thousands)
Residential mortgage
Current$1,591,381 $1,651,853 $690,779 $410,446 $390,940 $900,129 $19,930 $— $5,655,458 
30-59 days252 1,506 4,728 3,066 1,486 7,379 — — 18,417 
60-89 days788 295 — 764 881 3,879 — — 6,607 
90 days or greater55 713 1,059 1,511 3,084 14,193 249 — 20,864 
Total1,592,476 1,654,367 696,566 415,787 396,391 925,580 20,179 — 5,701,346 
Revolving mortgage
Current— — — — — — 1,700,947 122,200 1,823,147 
30-59 days— — — — — — 2,939 2,648 5,587 
60-89 days— — — — — — 378 1,065 1,443 
90 days or greater— — — — — — 1,901 2,612 4,513 
Total— — — — — — 1,706,165 128,525 1,834,690 
Construction and land development
Current165,993 175,007 26,889 10,258 5,745 3,016 2,594 — 389,502 
30-59 days33 416 — — — 28 — — 477 
60-89 days— 1,650 — — 69 — — — 1,719 
90 days or greater— 29 — — — 41 — — 70 
Total166,026 177,102 26,889 10,258 5,814 3,085 2,594 — 391,768 
Consumer auto
Current504,537 384,849 229,033 139,764 59,487 24,926 — — 1,342,596 
30-59 days889 1,262 1,450 877 586 281 — — 5,345 
60-89 days200 330 234 255 84 70 — — 1,173 
90 days or greater140 347 420 228 83 45 — — 1,263 
Total505,766 386,788 231,137 141,124 60,240 25,322 — — 1,350,377 
Consumer other
Current117,047 33,700 16,222 5,431 5,011 29,871 423,512 — 630,794 
30-59 days89 63 18 24 — 13 1,990 — 2,197 
60-89 days11 25 89 1 — — 996 — 1,122 
90 days or greater49 12 17 1 — — 1,216 — 1,295 
Total117,196 33,800 16,346 5,457 5,011 29,884 427,714 — 635,408 
Total consumer$2,381,464 $2,252,057 $970,938 $572,626 $467,456 $983,871 $2,156,652 $128,525 $9,913,589 
PCD loans
Current$— $23,091 $23,792 $21,034 $20,864 $213,681 $10,622 $16,453 $329,537 
30-59 days— 846 61 785 1,393 7,777 113 432 11,407 
60-89 days— 98 149 48 — 4,699 29 177 5,200 
90 days or greater— 806 230 3,698 1,070 20,319 16 972 27,111 
Total PCD$— $24,841 $24,232 $25,565 $23,327 $246,476 $10,780 $18,034 $373,255 
Total loans and leases$7,537,619 $7,875,749 $4,644,151 $2,704,682 $2,102,661 $3,981,084 $3,516,871 $153,372 $32,516,189 
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 September 30, 2021 and December 31, 2020:
(Dollars in thousands)September 30, 2021December 31, 2020
FHLB of Atlanta
Lendable collateral value of pledged non-PCD loans$9,171,610 $8,637,844 
Less: Advances645,663 652,675 
Available borrowing capacity$8,525,947 $7,985,169 
Pledged non-PCD loans$12,646,208 $12,157,153 
FRB
Lendable collateral value of pledged non-PCD loans$3,795,878 $3,321,762 
Less: Advances— — 
Available borrowing capacity$3,795,878 $3,321,762 
Pledged non-PCD loans$4,610,291 $4,104,866