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Loans and Allowances for Credit Losses (Tables)
 9 Months Ended
Sep. 30, 2014
Loans Receivable, Net [Abstract]  
Schedule of Loans by Portfolio Segment [Table Text Block]
Portfolio segments of the loan portfolio are as follows (in thousands):

 
 
September 30, 2014
 
December 31, 2013
 
 
Fixed
Rate
 
Variable
Rate
 
Non-accrual
 
Total
 
Fixed
Rate
 
Variable
Rate
 
Non-accrual
 
Total
Commercial
 
$
1,714,251

 
$
6,841,383

 
$
16,404

 
$
8,572,038

 
$
1,637,620

 
$
6,288,841

 
$
16,760

 
$
7,943,221

Commercial real estate
 
757,846

 
1,935,693

 
30,660

 
2,724,199

 
770,908

 
1,603,595

 
40,850

 
2,415,353

Residential mortgage
 
1,722,864

 
207,892

 
48,907

 
1,979,663

 
1,783,614

 
226,092

 
42,320

 
2,052,026

Consumer
 
106,736

 
300,523

 
580

 
407,839

 
135,494

 
244,951

 
1,219

 
381,664

Total
 
$
4,301,697

 
$
9,285,491

 
$
96,551

 
$
13,683,739

 
$
4,327,636

 
$
8,363,479

 
$
101,149

 
$
12,792,264

Accruing loans past due (90 days)1
 
 

 
 

 
 

 
$
25

 
 

 
 

 
 

 
$
1,415

 
 
September 30, 2013
 
 
Fixed
Rate
 
Variable
Rate
 
Non-accrual
 
Total
Commercial
 
$
1,468,198

 
$
6,083,355

 
$
19,522

 
$
7,571,075

Commercial real estate
 
730,733

 
1,565,994

 
52,502

 
2,349,229

Residential mortgage
 
1,766,818

 
228,691

 
39,256

 
2,034,765

Consumer
 
137,194

 
256,213

 
1,624

 
395,031

Total
 
$
4,102,943

 
$
8,134,253

 
$
112,904

 
$
12,350,100

Accruing loans past due (90 days)1
 
 

 
 

 
 

 
$
188

1 
Excludes residential mortgage loans guaranteed by agencies of the U.S. government
Rollforward of Allowance For Loan Losses And Accrual for Off-Balance Sheet Credit Losses [Table Text Block]
The activity in the allowance for loan losses and the allowance for off-balance sheet credit losses related to loan commitments and standby letters of credit for the three months ended September 30, 2014 is summarized as follows (in thousands):
 
 
Commercial
 
Commercial Real Estate
 
Residential Mortgage
 
Consumer
 
Nonspecific Allowance
 
Total
Allowance for loan losses:
 
 
 
 
 
 
 
 
 
 
 
 
Beginning balance
 
$
87,806

 
$
41,252

 
$
27,654

 
$
7,029

 
$
26,949

 
$
190,690

Provision for loan losses
 
(1,174
)
 
(84
)
 
185

 
156

 
995

 
78

Loans charged off
 
(117
)
 
(145
)
 
(773
)
 
(1,603
)
 
—

 
(2,638
)
Recoveries
 
260

 
1,410

 
150

 
1,294

 
—

 
3,114

Ending balance
 
$
86,775

 
$
42,433

 
$
27,216

 
$
6,876

 
$
27,944

 
$
191,244

Allowance for off-balance sheet credit losses:
 
 

 
 

 
 

 
 

 
 

 
 

Beginning balance
 
$
345

 
$
902

 
$
43

 
$
18

 
$
—

 
$
1,308

Provision for off-balance sheet credit losses
 
(65
)
 
10

 
(19
)
 
(4
)
 
—

 
(78
)
Ending balance
 
$
280

 
$
912

 
$
24

 
$
14

 
$
—

 
$
1,230

 
 
 
 
 
 
 
 
 
 
 
 
 
Total provision for credit losses
 
$
(1,239
)
 
$
(74
)
 
$
166

 
$
152

 
$
995

 
$
—


The activity in the allowance for loan losses and the allowance for off-balance sheet credit losses related to loan commitments and standby letters of credit for the nine months ended September 30, 2014 is summarized as follows (in thousands):
 
 
Commercial
 
Commercial Real Estate
 
Residential Mortgage
 
Consumer
 
Nonspecific Allowance
 
Total
Allowance for loan losses:
 
 
 
 
 
 
 
 
 
 
 
 
Beginning balance
 
$
79,180

 
$
41,573

 
$
29,465

 
$
6,965

 
$
28,213

 
$
185,396

Provision for loan losses
 
4,444

 
(4,633
)
 
136

 
1,180

 
(269
)
 
858

Loans charged off
 
(290
)
 
(365
)
 
(3,611
)
 
(4,742
)
 
—

 
(9,008
)
Recoveries
 
3,441

 
5,858

 
1,226

 
3,473

 
—

 
13,998

Ending balance
 
$
86,775

 
$
42,433

 
$
27,216

 
$
6,876

 
$
27,944

 
$
191,244

Allowance for off-balance sheet credit losses:
 
 

 
 

 
 

 
 

 
 

 
 

Beginning balance
 
$
119

 
$
1,876

 
$
90

 
$
3

 
$
—

 
$
2,088

Provision for off-balance sheet credit losses
 
161

 
(964
)
 
(66
)
 
11

 
—

 
(858
)
Ending balance
 
$
280

 
$
912

 
$
24

 
$
14

 
$
—

 
$
1,230

 
 
 
 
 
 
 
 
 
 
 
 
 
Total provision for credit losses
 
$
4,605

 
$
(5,597
)
 
$
70

 
$
1,191

 
$
(269
)
 
$
—



The activity in the allowance for loan losses and the allowance for off-balance sheet credit losses related to loan commitments and standby letters of credit for the three months ended September 30, 2013 is summarized as follows (in thousands):
 
 
Commercial
 
Commercial Real Estate
 
Residential Mortgage
 
Consumer
 
Nonspecific Allowance
 
Total
Allowance for loan losses:
 
 
 
 
 
 
 
 
 
 
 
 
Beginning balance
 
$
64,044

 
$
49,687

 
$
39,206

 
$
7,738

 
$
42,449

 
$
203,124

Provision for loan losses
 
(1,774
)
 
(6,279
)
 
(136
)
 
1,256

 
(1,567
)
 
(8,500
)
Loans charged off
 
(1,354
)
 
(419
)
 
(961
)
 
(1,974
)
 
—

 
(4,708
)
Recoveries
 
864

 
2,073

 
188

 
1,284

 
—

 
4,409

Ending balance
 
$
61,780

 
$
45,062

 
$
38,297

 
$
8,304

 
$
40,882

 
$
194,325

Allowance for off-balance sheet credit losses:
 
 

 
 

 
 

 
 

 
 

 
 

Beginning balance
 
$
402

 
$
1,178

 
$
6

 
$
18

 
$
—

 
$
1,604

Provision for off-balance sheet credit losses
 
(228
)
 
202

 
42

 
(16
)
 
—

 
—

Ending balance
 
$
174

 
$
1,380

 
$
48

 
$
2

 
$
—

 
$
1,604

 
 
 
 
 
 
 
 
 
 
 
 
 
Total provision for credit losses
 
$
(2,002
)
 
$
(6,077
)
 
$
(94
)
 
$
1,240

 
$
(1,567
)
 
$
(8,500
)

The activity in the allowance for loan losses and the allowance for off-balance sheet credit losses related to loan commitments and standby letters of credit for the nine months ended September 30, 2013 is summarized as follows (in thousands):
 
 
Commercial
 
Commercial Real Estate
 
Residential Mortgage
 
Consumer
 
Nonspecific Allowance
 
Total
Allowance for loan losses:
 
 
 
 
 
 
 
 
 
 
 
 
Beginning balance
 
$
65,280

 
$
54,884

 
$
41,703

 
$
9,453

 
$
44,187

 
$
215,507

Provision for loan losses
 
(3,507
)
 
(10,077
)
 
187

 
513

 
(3,305
)
 
(16,189
)
Loans charged off
 
(6,190
)
 
(5,669
)
 
(4,797
)
 
(5,513
)
 
—

 
(22,169
)
Recoveries
 
6,197

 
5,924

 
1,204

 
3,851

 
—

 
17,176

Ending balance
 
$
61,780

 
$
45,062

 
$
38,297

 
$
8,304

 
$
40,882

 
$
194,325

Allowance for off-balance sheet credit losses:
 
 

 
 

 
 

 
 

 
 

 
 

Beginning balance
 
$
475

 
$
1,353

 
$
78

 
$
9

 
$
—

 
$
1,915

Provision for off-balance sheet credit losses
 
(301
)
 
27

 
(30
)
 
(7
)
 
—

 
(311
)
Ending balance
 
$
174

 
$
1,380

 
$
48

 
$
2

 
$
—

 
$
1,604

 
 
 
 
 
 
 
 
 
 
 
 
 
Total provision for credit losses
 
$
(3,808
)
 
$
(10,050
)
 
$
157

 
$
506

 
$
(3,305
)
 
$
(16,500
)
Schedule of Allowance for Loan Losses and Recorded Investment by Impairment Methodology [Table Text Block]
The allowance for loan losses and recorded investment of the related loans by portfolio segment for each impairment measurement method at September 30, 2014 is as follows (in thousands):

 
 
Collectively Measured
for Impairment
 
Individually Measured
for Impairment
 
Total
 
 
Recorded Investment
 
Related Allowance
 
Recorded Investment
 
Related Allowance
 
Recorded Investment
 
Related
Allowance
Commercial
 
$
8,555,634

 
$
83,609

 
$
16,404

 
$
3,166

 
$
8,572,038

 
$
86,775

Commercial real estate
 
2,693,539

 
42,358

 
30,660

 
75

 
2,724,199

 
42,433

Residential mortgage
 
1,930,756

 
27,109

 
48,907

 
107

 
1,979,663

 
27,216

Consumer
 
407,259

 
6,876

 
580

 
—

 
407,839

 
6,876

Total
 
13,587,188

 
159,952

 
96,551

 
3,348

 
13,683,739

 
163,300

 
 
 
 
 
 
 
 
 
 
 
 
 
Nonspecific allowance
 
—

 
—

 
—

 
—

 
—

 
27,944

 
 
 
 
 
 
 
 
 
 
 
 
 
Total
 
$
13,587,188

 
$
159,952

 
$
96,551

 
$
3,348

 
$
13,683,739

 
$
191,244



The allowance for loan losses and recorded investment of the related loans by portfolio segment for each impairment measurement method at December 31, 2013 is as follows (in thousands):

 
 
Collectively Measured
for Impairment
 
Individually Measured
for Impairment
 
Total
 
 
Recorded Investment
 
Related Allowance
 
Recorded Investment
 
Related Allowance
 
Recorded Investment
 
Related
Allowance
Commercial
 
$
7,926,461

 
$
78,607

 
$
16,760

 
$
573

 
$
7,943,221

 
$
79,180

Commercial real estate
 
2,374,503

 
41,440

 
40,850

 
133

 
2,415,353

 
41,573

Residential mortgage
 
2,010,483

 
29,217

 
41,543

 
248

 
2,052,026

 
29,465

Consumer
 
380,445

 
6,965

 
1,219

 
—

 
381,664

 
6,965

Total
 
12,691,892

 
156,229

 
100,372

 
954

 
12,792,264

 
157,183

 
 
 
 
 
 
 
 
 
 
 
 
 
Nonspecific allowance
 
—

 
—

 
—

 
—

 
—

 
28,213

 
 
 
 
 
 
 
 
 
 
 
 
 
Total
 
$
12,691,892

 
$
156,229

 
$
100,372

 
$
954

 
$
12,792,264

 
$
185,396



The allowance for loan losses and recorded investment of the related loans by portfolio segment for each impairment measurement method at September 30, 2013 is as follows (in thousands):

 
 
Collectively Measured
for Impairment
 
Individually Measured
for Impairment
 
Total
 
 
Recorded Investment
 
Related Allowance
 
Recorded Investment
 
Related Allowance
 
Recorded Investment
 
Related
Allowance
Commercial
 
$
7,551,553

 
$
61,208

 
$
19,522

 
$
572

 
$
7,571,075

 
$
61,780

Commercial real estate
 
2,296,727

 
44,574

 
52,502

 
488

 
2,349,229

 
45,062

Residential mortgage
 
1,996,086

 
38,083

 
38,679

 
214

 
2,034,765

 
38,297

Consumer
 
393,407

 
8,304

 
1,624

 
—

 
395,031

 
8,304

Total
 
12,237,773

 
152,169

 
112,327

 
1,274

 
12,350,100

 
153,443

 
 
 
 
 
 
 
 
 
 
 
 
 
Nonspecific allowance
 
—

 
—

 
—

 
—

 
—

 
40,882

 
 
 
 
 
 
 
 
 
 
 
 
 
Total
 
$
12,237,773

 
$
152,169

 
$
112,327

 
$
1,274

 
$
12,350,100

 
$
194,325
Schedule of Allowance for Loan Losses and Recorded Investment by Portfolio Segment for Risk Graded and Non-Risk Graded Loans [Table Text Block]
The allowance for loan losses and recorded investment of the related loans by portfolio segment for risk graded and non-risk graded loans at September 30, 2014 is as follows (in thousands):

 
 
Internally Risk Graded
 
Non-Graded
 
Total
 
 
Recorded Investment
 
Related Allowance
 
Recorded Investment
 
Related Allowance
 
Recorded Investment
 
Related
Allowance
Commercial
 
$
8,545,949

 
$
85,892

 
$
26,089

 
$
883

 
$
8,572,038

 
$
86,775

Commercial real estate
 
2,724,199

 
42,433

 
—

 
—

 
2,724,199

 
42,433

Residential mortgage
 
200,701

 
4,083

 
1,778,962

 
23,133

 
1,979,663

 
27,216

Consumer
 
314,604

 
3,257

 
93,235

 
3,619

 
407,839

 
6,876

Total
 
11,785,453

 
135,665

 
1,898,286

 
27,635

 
13,683,739

 
163,300

 
 
 
 
 
 
 
 
 
 
 
 
 
Nonspecific allowance
 
—

 
—

 
—

 
—

 
—

 
27,944

 
 
 
 
 
 
 
 
 
 
 
 
 
Total
 
$
11,785,453

 
$
135,665

 
$
1,898,286

 
$
27,635

 
$
13,683,739

 
$
191,244

 
The allowance for loan losses and recorded investment of the related loans by portfolio segment for risk graded and non-risk graded loans at December 31, 2013 is as follows (in thousands):

 
 
Internally Risk Graded
 
Non-Graded
 
Total
 
 
Recorded Investment
 
Related Allowance
 
Recorded Investment
 
Related Allowance
 
Recorded Investment
 
Related
Allowance
Commercial
 
$
7,888,219

 
$
78,250

 
$
55,002

 
$
930

 
$
7,943,221

 
$
79,180

Commercial real estate
 
2,415,353

 
41,573

 
—

 
—

 
2,415,353

 
41,573

Residential mortgage
 
220,635

 
5,481

 
1,831,391

 
23,984

 
2,052,026

 
29,465

Consumer
 
265,533

 
2,657

 
116,131

 
4,308

 
381,664

 
6,965

Total
 
10,789,740

 
127,961

 
2,002,524

 
29,222

 
12,792,264

 
157,183

 
 
 
 
 
 
 
 
 
 
 
 
 
Nonspecific allowance
 
—

 
—

 
—

 
—

 
—

 
28,213

 
 
 
 
 
 
 
 
 
 
 
 
 
Total
 
$
10,789,740

 
$
127,961

 
$
2,002,524

 
$
29,222

 
$
12,792,264

 
$
185,396


The allowance for loan losses and recorded investment of the related loans by portfolio segment for risk graded and non-risk graded loans at September 30, 2013 is as follows (in thousands):

 
 
Internally Risk Graded
 
Non-Graded
 
Total
 
 
Recorded Investment
 
Related Allowance
 
Recorded Investment
 
Related Allowance
 
Recorded Investment
 
Related
Allowance
Commercial
 
$
7,553,151

 
$
60,570

 
$
17,924

 
$
1,210

 
$
7,571,075

 
$
61,780

Commercial real estate
 
2,349,229

 
45,062

 
—

 
—

 
2,349,229

 
45,062

Residential mortgage
 
236,399

 
3,764

 
1,798,366

 
34,533

 
2,034,765

 
38,297

Consumer
 
268,690

 
2,797

 
126,341

 
5,507

 
395,031

 
8,304

Total
 
10,407,469

 
112,193

 
1,942,631

 
41,250

 
12,350,100

 
153,443

 
 
 
 
 
 
 
 
 
 
 
 
 
Nonspecific allowance
 
—

 
—

 
—

 
—

 
—

 
40,882

 
 
 
 
 
 
 
 
 
 
 
 
 
Total
 
$
10,407,469

 
$
112,193

 
$
1,942,631

 
$
41,250

 
$
12,350,100

 
$
194,325
Schedule of Credit Quality Indicators [Table Text Block]
The following table summarizes the Company’s loan portfolio at September 30, 2014 by the risk grade categories (in thousands): 
 
 
Internally Risk Graded
 
Non-Graded
 
 
 
 
Performing
 
Potential Problem
 
Nonaccrual
 
Performing
 
Nonaccrual
 
Total
Commercial:
 
 
 
 
 
 
 
 
 
 
 
 
Energy
 
$
2,519,924

 
$
30,267

 
$
1,508

 
$
—

 
$
—

 
$
2,551,699

Services
 
2,466,857

 
17,376

 
3,584

 
—

 
—

 
2,487,817

Wholesale/retail
 
1,264,333

 
3,406

 
5,502

 
—

 
—

 
1,273,241

Manufacturing
 
469,881

 
6,180

 
3,482

 
—

 
—

 
479,543

Healthcare
 
1,376,399

 
4,583

 
1,417

 
—

 
—

 
1,382,399

Other commercial and industrial
 
359,159

 
11,234

 
857

 
26,035

 
54

 
397,339

Total commercial
 
8,456,553

 
73,046

 
16,350

 
26,035

 
54

 
8,572,038

 
 
 
 
 
 
 
 
 
 
 
 
 
Commercial real estate:
 
 

 
 

 
 

 
 

 
 

 
 

Residential construction and land development
 
145,223

 
15,371

 
14,634

 
—

 
—

 
175,228

Retail
 
605,718

 
1,538

 
4,009

 
—

 
—

 
611,265

Office
 
434,829

 
581

 
3,499

 
—

 
—

 
438,909

Multifamily
 
725,720

 
14,037

 
—

 
—

 
—

 
739,757

Industrial
 
371,426

 
—

 
—

 
—

 
—

 
371,426

Other commercial real estate
 
377,419

 
1,677

 
8,518

 
—

 
—

 
387,614

Total commercial real estate
 
2,660,335

 
33,204

 
30,660

 
—

 
—

 
2,724,199

 
 
 
 
 
 
 
 
 
 
 
 
 
Residential mortgage:
 
 

 
 

 
 

 
 

 
 

 
 

Permanent mortgage
 
195,688

 
1,312

 
3,701

 
758,970

 
31,436

 
991,107

Permanent mortgages guaranteed by U.S. government agencies
 
—

 
—

 
—

 
194,653

 
3,835

 
198,488

Home equity
 
—

 
—

 
—

 
780,133

 
9,935

 
790,068

Total residential mortgage
 
195,688

 
1,312

 
3,701

 
1,733,756

 
45,206

 
1,979,663

 
 
 
 
 
 
 
 
 
 
 
 
 
Consumer
 
314,409

 
20

 
175

 
92,830

 
405

 
407,839

 
 
 
 
 
 
 
 
 
 
 
 
 
Total
 
$
11,626,985

 
$
107,582

 
$
50,886

 
$
1,852,621

 
$
45,665

 
$
13,683,739


The following table summarizes the Company’s loan portfolio at December 31, 2013 by the risk grade categories (in thousands): 
 
 
Internally Risk Graded
 
Non-Graded
 
 
 
 
Performing
 
Potential Problem
 
Nonaccrual
 
Performing
 
Nonaccrual
 
Total
Commercial:
 
 
 
 
 
 
 
 
 
 
 
 
Energy
 
$
2,347,519

 
$
2,381

 
$
1,860

 
$
—

 
$
—

 
$
2,351,760

Services
 
2,265,984

 
11,304

 
4,922

 
—

 
—

 
2,282,210

Wholesale/retail
 
1,191,791

 
2,604

 
6,969

 
—

 
—

 
1,201,364

Manufacturing
 
381,794

 
9,365

 
592

 
—

 
—

 
391,751

Healthcare
 
1,272,626

 
34

 
1,586

 
—

 
—

 
1,274,246

Other commercial and industrial
 
381,394

 
4,736

 
758

 
54,929

 
73

 
441,890

Total commercial
 
7,841,108

 
30,424

 
16,687

 
54,929

 
73

 
7,943,221

 
 
 
 
 
 
 
 
 
 
 
 
 
Commercial real estate:
 
 

 
 

 
 

 
 

 
 

 
 

Residential construction and land development
 
173,488

 
15,393

 
17,377

 
—

 
—

 
206,258

Retail
 
579,506

 
1,684

 
4,857

 
—

 
—

 
586,047

Office
 
403,951

 
1,157

 
6,391

 
—

 
—

 
411,499

Multifamily
 
562,800

 
13,695

 
7

 
—

 
—

 
576,502

Industrial
 
243,625

 
—

 
252

 
—

 
—

 
243,877

Other commercial real estate
 
371,628

 
7,576

 
11,966

 
—

 
—

 
391,170

Total commercial real estate
 
2,334,998

 
39,505

 
40,850

 
—

 
—

 
2,415,353

 
 
 
 
 
 
 
 
 
 
 
 
 
Residential mortgage:
 
 

 
 

 
 

 
 

 
 

 
 

Permanent mortgage
 
210,142

 
3,283

 
7,210

 
815,040

 
27,069

 
1,062,744

Permanent mortgages guaranteed by U.S. government agencies
 
—

 
—

 
—

 
180,821

 
777

 
181,598

Home equity
 
—

 
—

 
—

 
800,420

 
7,264

 
807,684

Total residential mortgage
 
210,142

 
3,283

 
7,210

 
1,796,281

 
35,110

 
2,052,026

 
 
 
 
 
 
 
 
 
 
 
 
 
Consumer
 
264,536

 
795

 
202

 
115,114

 
1,017

 
381,664

 
 
 
 
 
 
 
 
 
 
 
 
 
Total
 
$
10,650,784

 
$
74,007

 
$
64,949

 
$
1,966,324

 
$
36,200

 
$
12,792,264


The following table summarizes the Company’s loan portfolio at September 30, 2013 by the risk grade categories (in thousands): 
 
 
Internally Risk Graded
 
Non-Graded
 
 
 
 
Performing
 
Potential Problem
 
Nonaccrual
 
Performing
 
Nonaccrual
 
Total
Commercial:
 
 
 
 
 
 
 
 
 
 
 
 
Energy
 
$
2,305,225

 
$
4,813

 
$
1,953

 
$
—

 
$
—

 
$
2,311,991

Services
 
2,130,169

 
11,455

 
6,927

 
—

 
—

 
2,148,551

Wholesale/retail
 
1,171,923

 
2,660

 
7,223

 
—

 
—

 
1,181,806

Manufacturing
 
378,723

 
2,894

 
843

 
—

 
—

 
382,460

Healthcare
 
1,158,436

 
43

 
1,733

 
—

 
—

 
1,160,212

Other commercial and industrial
 
362,545

 
4,790

 
796

 
17,877

 
47

 
386,055

Total commercial
 
7,507,021

 
26,655

 
19,475

 
17,877

 
47

 
7,571,075

 
 
 
 
 
 
 
 
 
 
 
 
 
Commercial real estate:
 
 

 
 

 
 

 
 

 
 

 
 

Residential construction and land development
 
178,278

 
17,394

 
20,784

 
—

 
—

 
216,456

Retail
 
548,197

 
807

 
7,914

 
—

 
—

 
556,918

Office
 
413,083

 
2,122

 
6,838

 
—

 
—

 
422,043

Multifamily
 
504,548

 
11,556

 
4,350

 
—

 
—

 
520,454

Industrial
 
244,768

 
254

 
—

 
—

 
—

 
245,022

Other commercial real estate
 
365,051

 
10,669

 
12,616

 
—

 
—

 
388,336

Total commercial real estate
 
2,253,925

 
42,802

 
52,502

 
—

 
—

 
2,349,229

 
 
 
 
 
 
 
 
 
 
 
 
 
Residential mortgage:
 
 

 
 

 
 

 
 

 
 

 
 

Permanent mortgage
 
222,630

 
4,633

 
5,441

 
819,601

 
26,356

 
1,078,661

Permanent mortgages guaranteed by U.S. government agencies
 
—

 
—

 
—

 
163,342

 
577

 
163,919

Home equity
 
3,695

 
—

 
—

 
781,608

 
6,882

 
792,185

Total residential mortgage
 
226,325

 
4,633

 
5,441

 
1,764,551

 
33,815

 
2,034,765

 
 
 
 
 
 
 
 
 
 
 
 
 
Consumer
 
267,564

 
846

 
280

 
124,997

 
1,344

 
395,031

 
 
 
 
 
 
 
 
 
 
 
 
 
Total
 
$
10,254,835

 
$
74,936

 
$
77,698

 
$
1,907,425

 
$
35,206

 
$
12,350,100
Summary of Impaired Loans [Table Text Block]
Impaired Loans

Loans are considered to be impaired when it is probable that the Company will not be able to collect all amounts due according to the contractual terms of the loan agreement. This includes all nonaccruing loans, all loans modified in a TDR and all loans repurchased from GNMA pools.

A summary of impaired loans follows (in thousands):
 
As of
 
For the
 
For the
 
September 30, 2014
 
Three Months Ended
 
Nine Months Ended
 
 
 
Recorded Investment
 
 
 
September 30, 2014
 
September 30, 2014
 
Unpaid
Principal
Balance
 
Total
 
With No
Allowance
 
With Allowance
 
Related Allowance
 
Average Recorded
Investment
 
Interest Income Recognized
 
Average Recorded
Investment
 
Interest Income Recognized
Commercial:
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Energy
$
1,536

 
$
1,508

 
$
1,508

 
$
—

 
$
—

 
$
1,563

 
$
—

 
$
1,684

 
$
—

Services
6,400

 
3,584

 
2,851

 
733

 
157

 
3,626

 
—

 
4,253

 
—

Wholesale/retail
10,792

 
5,502

 
5,470

 
32

 
9

 
5,693

 
—

 
6,235

 
—

Manufacturing
3,754

 
3,482

 
482

 
3,000

 
3,000

 
3,495

 
—

 
2,037

 
—

Healthcare
2,451

 
1,417

 
1,417

 
—

 
—

 
1,420

 
—

 
1,502

 
—

Other commercial and industrial
8,580

 
911

 
911

 
—

 
—

 
956

 
—

 
871

 
—

Total commercial
33,513

 
16,404

 
12,639

 
3,765

 
3,166

 
16,753

 
—

 
16,582

 
—

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Commercial real estate:
 

 
 

 
 

 
 

 
 

 
 

 
 

 
 

 
 

Residential construction and land development
18,953

 
14,634

 
14,490

 
144

 
57

 
14,890

 
—

 
16,006

 
—

Retail
5,425

 
4,009

 
4,009

 
—

 
—

 
4,104

 
—

 
4,433

 
—

Office
6,004

 
3,499

 
3,499

 
—

 
—

 
3,545

 
—

 
4,945

 
—

Multifamily
—

 
—

 
—

 
—

 
—

 
—

 
—

 
3

 
—

Industrial
—

 
—

 
—

 
—

 
—

 
315

 
—

 
126

 
—

Other real estate loans
15,261

 
8,518

 
8,341

 
177

 
18

 
9,711

 
—

 
10,242

 
—

Total commercial real estate
45,643

 
30,660

 
30,339

 
321

 
75

 
32,565

 
—

 
35,755

 
—

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Residential mortgage:
 

 
 

 
 

 
 

 
 

 
 

 
 

 
 

 
 

Permanent mortgage
44,396

 
35,137

 
34,962

 
175

 
107

 
34,045

 
429

 
34,708

 
1,067

Permanent mortgage guaranteed by U.S. government agencies1
204,807

 
198,488

 
198,488

 
—

 
—

 
194,882

 
2,089

 
189,820

 
6,279

Home equity
10,031

 
9,935

 
9,935

 
—

 
—

 
9,688

 
—

 
8,599

 
—

Total residential mortgage
259,234

 
243,560

 
243,385

 
175

 
107

 
238,615

 
2,518

 
233,127

 
7,346

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Consumer
597

 
580

 
580

 
—

 
—

 
673

 
—

 
900

 
—

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Total
$
338,987

 
$
291,204

 
$
286,943

 
$
4,261

 
$
3,348

 
$
288,606

 
$
2,518

 
$
286,364

 
$
7,346

1 
All permanent mortgage loans guaranteed by U.S. government agencies are considered impaired as we do not expect full collection of contractual principal and interest. At September 30, 2014, $3.8 million of these loans were nonaccruing and $195 million were accruing based on the guarantee by U.S. government agencies.

Generally, no interest income is recognized on impaired loans until all principal balances, including amounts charged-off, are recovered.

A summary of impaired loans at December 31, 2013 follows (in thousands): 
 
 
 
 
Recorded Investment
 
 
 
 
Unpaid
Principal
Balance
 
Total
 
With No
Allowance
 
With Allowance
 
Related Allowance
Commercial:
 
 
 
 
 
 
 
 
 
 
Energy
 
$
1,860

 
$
1,860

 
$
1,860

 
$
—

 
$
—

Services
 
6,486

 
4,922

 
3,791

 
1,131

 
516

Wholesale/retail
 
11,009

 
6,969

 
6,937

 
32

 
9

Manufacturing
 
746

 
592

 
592

 
—

 
—

Healthcare
 
2,193

 
1,586

 
1,538

 
48

 
48

Other commercial and industrial
 
8,532

 
831

 
831

 
—

 
—

Total commercial
 
30,826

 
16,760

 
15,549

 
1,211

 
573

 
 
 
 
 
 
 
 
 
 
 
Commercial real estate:
 
 

 
 

 
 

 
 

 
 

Residential construction and land development
 
20,804

 
17,377

 
17,050

 
327

 
107

Retail
 
6,133

 
4,857

 
4,857

 
—

 
—

Office
 
7,848

 
6,391

 
6,383

 
8

 
8

Multifamily
 
7

 
7

 
7

 
—

 
—

Industrial
 
252

 
252

 
252

 
—

 
—

Other real estate loans
 
14,593

 
11,966

 
11,779

 
187

 
18

Total commercial real estate
 
49,637

 
40,850

 
40,328

 
522

 
133

 
 
 
 
 
 
 
 
 
 
 
Residential mortgage:
 
 

 
 

 
 

 
 

 
 

Permanent mortgage
 
41,870

 
34,279

 
33,869

 
410

 
248

Permanent mortgage guaranteed by U.S. government agencies1
 
188,436

 
181,598

 
181,598

 
—

 
—

Home equity
 
7,537

 
7,264

 
7,264

 
—

 
—

Total residential mortgage
 
237,843

 
223,141

 
222,731

 
410

 
248

 
 
 
 
 
 
 
 
 
 
 
Total consumer
 
1,228

 
1,219

 
1,219

 
—

 
—

 
 
 
 
 
 
 
 
 
 
 
Total
 
$
319,534

 
$
281,970

 
$
279,827

 
$
2,143

 
$
954

1 
All permanent mortgage loans guaranteed by U.S. government agencies are considered impaired as we do not expect full collection of contractual principal and interest. At December 31, 2013, $777 thousand of these loans were nonaccruing and $181 million were accruing based on the guarantee by U.S. government agencies.

A summary of impaired loans at September 30, 2013 follows (in thousands): 
 
As of
 
For the
 
For the
 
As of September 30, 2013
 
Three Months Ended
 
Nine Months Ended
 
 
 
Recorded Investment
 
 
 
September 30, 2013
 
September 30, 2013
 
Unpaid
Principal
Balance
 
Total
 
With No
Allowance
 
With Allowance
 
Related Allowance
 
Average Recorded
Investment
 
Interest Income Recognized
 
Average Recorded
Investment
 
Interest Income Recognized
Commercial:
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Energy
$
1,954

 
$
1,953

 
$
1,953

 
$
—

 
$
—

 
$
2,115

 
$
—

 
$
2,207

 
$
—

Services
9,105

 
6,927

 
5,789

 
1,138

 
515

 
7,188

 
—

 
9,509

 
—

Wholesale/retail
11,262

 
7,223

 
7,188

 
35

 
9

 
6,962

 
—

 
5,150

 
—

Manufacturing
1,051

 
843

 
843

 
—

 
—

 
860

 
—

 
1,425

 
—

Healthcare
2,340

 
1,733

 
1,685

 
48

 
48

 
2,202

 
—

 
2,450

 
—

Other commercial and industrial
8,535

 
843

 
843

 
—

 
—

 
871

 
—

 
1,255

 
—

Total commercial
34,247

 
19,522

 
18,301

 
1,221

 
572

 
20,198

 
—

 
21,996

 
—

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Commercial real estate:
 
 
 
 
 
 
 
 
 
 
 
 
 

 
 
 
 

Residential construction and land development
24,219

 
20,784

 
20,395

 
389

 
148

 
20,960

 
—

 
23,458

 
—

Retail
9,380

 
7,914

 
7,914

 
—

 
—

 
8,160

 
—

 
8,016

 
—

Office
8,254

 
6,838

 
6,830

 
8

 
8

 
7,333

 
—

 
6,834

 
—

Multifamily
4,351

 
4,350

 
4,350

 
—

 
—

 
5,399

 
—

 
3,528

 
—

Industrial
—

 
—

 
—

 
—

 
—

 
—

 
—

 
1,984

 
—

Other real estate loans
14,868

 
12,616

 
12,020

 
596

 
332

 
13,747

 
—

 
12,746

 
—

Total commercial real estate
61,072

 
52,502

 
51,509

 
993

 
488

 
55,599

 
—

 
56,566

 
—

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Residential mortgage:
 
 
 
 
 
 
 
 
 
 
 
 
 

 
 
 
 

Permanent mortgage
39,648

 
31,797

 
31,527

 
270

 
214

 
32,272

 
539

 
35,829

 
1,142

Permanent mortgage guaranteed by U.S. government agencies1
171,935

 
163,919

 
163,919

 
—

 
—

 
162,497

 
1,722

 
162,337

 
5,130

Home equity
7,091

 
6,882

 
6,882

 
—

 
—

 
7,293

 
—

 
6,569

 
—

Total residential mortgage
218,674

 
202,598

 
202,328

 
270

 
214

 
202,062

 
2,261

 
204,735

 
6,272

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Total consumer
1,637

 
1,624

 
1,624

 
—

 
—

 
1,831

 
—

 
2,167

 
—

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Total
$
315,630

 
$
276,246

 
$
273,762

 
$
2,484

 
$
1,274

 
$
279,690

 
$
2,261

 
$
285,464

 
$
6,272

1 
All permanent mortgage loans guaranteed by U.S. government agencies are considered impaired as we do not expect full collection of contractual principal and interest. At September 30, 2013, $577 thousand of these loans were nonaccruing and $163 million were accruing based on the guarantee by U.S. government agencies.
Troubled Debt Restructurings [Table Text Block]
Troubled Debt Restructurings

A summary of troubled debt restructurings ("TDRs") by accruing status as of September 30, 2014 is as follows (in thousands):
 
 
As of September 30, 2014
 
Amounts Charged Off During
 
 
Recorded
Investment
 
Performing in Accordance With Modified Terms
 
Not
Performing in Accordance With Modified Terms
 
Specific
Allowance
 
Three Months Ended September 30, 2014
 
Nine Months Ended
Sept. 30, 2014
Nonaccruing TDRs:
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Commercial:
 
 
 
 
 
 
 
 
 
 
 
 
Energy
 
$
—

 
$
—

 
$
—

 
$
—

 
$
—

 
$
—

Services
 
1,714

 
724

 
990

 
148

 
—

 
—

Wholesale/retail
 
3,545

 
3,440

 
105

 
9

 
—

 
—

Manufacturing
 
3,355

 
355

 
3,000

 
3,000

 
—

 
—

Healthcare
 
—

 
—

 
—

 
—

 
—

 
—

Other commercial and industrial
 
644

 
48

 
596

 
—

 
—

 
—

Total commercial
 
9,258

 
4,567

 
4,691

 
3,157

 
—

 
—

 
 
 
 
 
 
 
 
 
 
 
 
 
Commercial real estate:
 
 

 
 

 
 

 
 

 
 

 
 

Residential construction and land development
 
8,562

 
264

 
8,298

 
56

 
—

 
—

Retail
 
3,664

 
2,486

 
1,178

 
—

 
—

 
—

Office
 
2,345

 
1,194

 
1,151

 
—

 
—

 
—

Multifamily
 
—

 
—

 
—

 
—

 
—

 
—

Industrial
 
—

 
—

 
—

 
—

 
—

 
—

Other real estate loans
 
1,743

 
1,743

 
—

 
—

 
—

 
—

Total commercial real estate
 
16,314

 
5,687

 
10,627

 
56

 
—

 
—

 
 
 
 
 
 
 
 
 
 
 
 
 
Residential mortgage:
 
 

 
 

 
 

 
 

 
 

 
 

Permanent mortgage
 
16,764

 
11,227

 
5,537

 
80

 
147

 
246

Permanent mortgage guaranteed by U.S. government agencies
 
1,665

 
329

 
1,336

 
—

 
—

 
—

Home equity
 
4,937

 
3,864

 
1,073

 
—

 
12

 
58

Total residential mortgage
 
23,366

 
15,420

 
7,946

 
80

 
159

 
304

 
 
 
 
 
 
 
 
 
 
 
 
 
Consumer
 
474

 
322

 
152

 
—

 
—

 
1

 
 
 
 
 
 
 
 
 
 
 
 
 
Total nonaccruing TDRs
 
$
49,412

 
$
25,996

 
$
23,416

 
$
3,293

 
$
159

 
$
305

 
 
 
 
 
 
 
 
 
 
 
 
 
Accruing TDRs:
 
 
 
 
 
 
 
 
 
 
 
 
Permanent mortgages guaranteed by U.S. government agencies
 
70,459

 
22,998

 
47,461

 
—

 
—

 
—

 
 
 
 
 
 
 
 
 
 
 
 
 
Total TDRs
 
$
119,871

 
$
48,994

 
$
70,877

 
$
3,293

 
$
159

 
$
305

A summary of troubled debt restructurings by accruing status as of December 31, 2013 is as follows (in thousands):

 
 
As of
 
 
December 31, 2013
 
 
Recorded
Investment
 
Performing in Accordance With Modified Terms
 
Not
Performing in Accordance With Modified Terms
 
Specific
Allowance
Nonaccruing TDRs:
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Commercial:
 
 
 
 
 
 
 
 
Energy
 
$
—

 
$
—

 
$
—

 
$
—

Services
 
2,235

 
852

 
1,383

 
237

Wholesale/retail
 
235

 
89

 
146

 
9

Manufacturing
 
391

 
—

 
391

 
—

Healthcare
 
—

 
—

 
—

 
—

Other commercial and industrial
 
771

 
173

 
598

 
—

Total commercial
 
3,632

 
1,114

 
2,518

 
246

 
 
 
 
 
 
 
 
 
Commercial real estate:
 
 

 
 

 
 

 
 

Residential construction and land development
 
10,148

 
1,444

 
8,704

 
107

Retail
 
4,359

 
3,141

 
1,218

 
—

Office
 
5,059

 
3,872

 
1,187

 
—

Multifamily
 
—

 
—

 
—

 
—

Industrial
 
—

 
—

 
—

 
—

Other real estate loans
 
5,011

 
2,885

 
2,126

 
—

Total commercial real estate
 
24,577

 
11,342

 
13,235

 
107

 
 
 
 
 
 
 
 
 
Residential mortgage:
 
 

 
 

 
 

 
 

Permanent mortgage
 
18,697

 
12,214

 
6,483

 
88

Home equity
 
4,045

 
3,531

 
514

 
—

Total residential mortgage
 
22,742

 
15,745

 
6,997

 
88

 
 
 
 
 
 
 
 
 
Consumer
 
1,008

 
758

 
250

 
—

 
 
 
 
 
 
 
 
 
Total nonaccuring TDRs
 
$
51,959

 
$
28,959

 
$
23,000

 
$
441

 
 
 
 
 
 
 
 
 
Accruing TDRs:
 
 
 
 
 
 
 
 
Permanent mortgages guaranteed by U.S. government agencies
 
54,322

 
13,384

 
40,938

 
—

Total TDRs
 
$
106,281

 
$
42,343

 
$
63,938

 
$
441


A summary of troubled debt restructurings by accruing status as of September 30, 2013 is as follows (in thousands):
 
 
As of September 30, 2013
 
Amount Charged Off During
 
 
Recorded
Investment
 
Performing in Accordance With Modified Terms
 
Not
Performing in Accordance With Modified Terms
 
Specific
Allowance
 
Three Months Ended September 30, 2013
 
Nine Months Ended
Sept. 30, 2013
Nonaccruing TDRs:
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Commercial:
 
 
 
 
 
 
 
 
 
 
 
 
Energy
 
$
—

 
$
—

 
$
—

 
$
—

 
$
—

 
$
—

Services
 
3,791

 
1,274

 
2,517

 
250

 
—

 
—

Wholesale/retail
 
275

 
141

 
134

 
9

 
—

 
—

Manufacturing
 
396

 
—

 
396

 
—

 
154

 
154

Healthcare
 
—

 
—

 
—

 
—

 
—

 
—

Other commercial and industrial
 
772

 
30

 
742

 
—

 
—

 
—

Total commercial
 
5,234

 
1,445

 
3,789

 
259

 
154

 
154

 
 
 
 
 
 
 
 
 
 
 
 
 
Commercial real estate:
 
 

 
 

 
 

 
 

 
 

 
 

Residential construction and land development
 
10,673

 
1,776

 
8,897

 
148

 
—

 
54

Retail
 
6,030

 
2,032

 
3,998

 
—

 
—

 
627

Office
 
5,448

 
1,294

 
4,154

 
—

 
—

 
77

Multifamily
 
980

 
980

 
—

 
—

 
—

 
—

Industrial
 
—

 
—

 
—

 
—

 
—

 
—

Other real estate loans
 
8,482

 
6,874

 
1,608

 
—

 
—

 
—

Total commercial real estate
 
31,613

 
12,956

 
18,657

 
148

 
—

 
758

 
 
 
 
 
 
 
 
 
 
 
 
 
Residential mortgage:
 
 

 
 

 
 

 
 

 
 

 
 

Permanent mortgage
 
17,319

 
9,579

 
7,740

 
13

 
73

 
450

Home equity
 
3,782

 
3,219

 
563

 
—

 
61

 
127

Total residential mortgage
 
21,101

 
12,798

 
8,303

 
13

 
134

 
577

 
 
 
 
 
 
 
 
 
 
 
 
 
Consumer
 
1,288

 
1,024

 
264

 
—

 
2

 
3

 
 
 
 
 
 
 
 
 
 
 
 
 
Total nonaccruing TDRs
 
$
59,236

 
$
28,223

 
$
31,013

 
$
420

 
$
290

 
$
1,492

 
 
 
 
 
 
 
 
 
 
 
 
 
Accruing TDRs:
 
 
 
 
 
 
 
 
 
 
 
 
Permanent mortgages guaranteed by U.S. government agencies
 
50,099

 
11,975

 
38,124

 
—

 
—

 
—

Total TDRs
 
$
109,335

 
$
40,198

 
$
69,137

 
$
420

 
$
290

 
$
1,492

Troubled debt restructurings generally consist of interest rate concessions, payment stream concessions or a combination of concessions to distressed borrowers. The following tables detail the recorded balance of loans at September 30, 2014 by class that were restructured during the three and nine months ended September 30, 2014 by primary type of concession (in thousands):

 
Three Months Ended
Sept. 30, 2014
 
Accruing
 
Nonaccrual
 
Total
 
Payment Stream
 
Combination & Other
 
Total
 
Interest Rate
 
Payment Stream
 
Combination & Other
 
Total
 
Commercial:
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Energy
$
—

 
$
—

 
$
—

 
$
—

 
$
—

 
$
—

 
$
—

 
$
—

Services
—

 
—

 
—

 
—

 
—

 
—

 
—

 
—

Wholesale/retail
—

 
—

 
—

 
—

 
—

 
—

 
—

 
—

Manufacturing
—

 
—

 
—

 
—

 
—

 
—

 
—

 
—

Healthcare
—

 
—

 
—

 
—

 
—

 
—

 
—

 
—

Other commercial and industrial
—

 
—

 
—

 
—

 
—

 
—

 
—

 
—

Total commercial
—

 
—

 
—

 
—

 
—

 
—

 
—

 
—

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Commercial real estate:
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Residential construction and land development
—

 
—

 
—

 
—

 
—

 
—

 
—

 
—

Retail
—

 
—

 
—

 
—

 
—

 
—

 
—

 
—

Office
—

 
—

 
—

 
—

 
—

 
—

 
—

 
—

Multifamily
—

 
—

 
—

 
—

 
—

 
—

 
—

 
—

Industrial
—

 
—

 
—

 
—

 
—

 
—

 
—

 
—

Other real estate loans
—

 
—

 
—

 
—

 
—

 
—

 
—

 
—

Total commercial real estate
—

 
—

 
—

 
—

 
—

 
—

 
—

 
—

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Residential mortgage:
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Permanent mortgage
—

 
—

 
—

 
—

 
196

 
1,018

 
1,214

 
1,214

Permanent mortgage guaranteed by U.S. government agencies
3,439

 
12,626

 
16,065

 
—

 
—

 
163

 
163

 
16,228

Home equity
—

 
—

 
—

 
—

 
—

 
570

 
570

 
570

Total residential mortgage
3,439

 
12,626

 
16,065

 
—

 
196

 
1,751

 
1,947

 
18,012

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Consumer
—

 
—

 
—

 
—

 
—

 
20

 
20

 
20

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Total
$
3,439

 
$
12,626

 
$
16,065

 
$
—

 
$
196

 
$
1,771

 
$
1,967

 
$
18,032


 
Nine Months Ended
Sept. 30, 2014
 
Accruing
 
Nonaccrual
 
Total
 
Payment Stream
 
Combination & Other
 
Total
 
Interest Rate
 
Payment Stream
 
Combination & Other
 
Total
 
Commercial:
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Energy
$
—

 
$
—

 
$
—

 
$
—

 
$
—

 
$
—

 
$
—

 
$
—

Services
—

 
—

 
—

 
—

 
—

 
—

 
—

 
—

Wholesale/retail
—

 
—

 
—

 
—

 
3,400

 
—

 
3,400

 
3,400

Manufacturing
—

 
—

 
—

 
—

 
3,000

 
—

 
3,000

 
3,000

Healthcare
—

 
—

 
—

 
—

 
—

 
—

 
—

 
—

Other commercial and industrial
—

 
—

 
—

 
—

 
—

 
22

 
22

 
22

Total commercial
—

 
—

 
—

 
—

 
6,400

 
22

 
6,422

 
6,422

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Commercial real estate:
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Residential construction and land development
—

 
—

 
—

 
—

 
—

 
—

 
—

 
—

Retail
—

 
—

 
—

 
—

 
—

 
—

 
—

 
—

Office
—

 
—

 
—

 
—

 
—

 
—

 
—

 
—

Multifamily
—

 
—

 
—

 
—

 
—

 
—

 
—

 
—

Industrial
—

 
—

 
—

 
—

 
—

 
—

 
—

 
—

Other real estate loans
—

 
—

 
—

 
—

 
—

 
—

 
—

 
—

Total commercial real estate
—

 
—

 
—

 
—

 
—

 
—

 
—

 
—

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Residential mortgage:
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Permanent mortgage
—

 
—

 
—

 
—

 
540

 
3,066

 
3,606

 
3,606

Permanent mortgage guaranteed by U.S. government agencies
8,288

 
19,222

 
27,510

 
—

 
—

 
1,128

 
1,128

 
28,638

Home equity
—

 
—

 
—

 
—

 
—

 
1,771

 
1,771

 
1,771

Total residential mortgage
8,288

 
19,222

 
27,510

 
—

 
540

 
5,965

 
6,505

 
34,015

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Consumer
—

 
—

 
—

 
—

 
—

 
41

 
41

 
41

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Total
$
8,288

 
$
19,222

 
$
27,510

 
$
—

 
$
6,940

 
$
6,028

 
$
12,968

 
$
40,478



Troubled debt restructurings generally consist of interest rate concessions, payment stream concessions or a combination of concessions to distressed borrowers. The following tables detail the recorded balance of loans by class that were restructured during the three and nine months ended September 30, 2013 by primary type of concession (in thousands):

 
Three Months Ended
Sept. 30, 2013
 
Accruing
 
Nonaccrual
 
Total
 
Payment Stream
 
Combination & Other
 
Total
 
Interest Rate
 
Payment Stream
 
Combination & Other
 
Total
 
Commercial:
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Energy
$
—

 
$
—

 
$
—

 
$
—

 
$
—

 
$
—

 
$
—

 
$
—

Services
—

 
—

 
—

 
610

 
228

 
—

 
838

 
838

Wholesale/retail
—

 
—

 
—

 
—

 
—

 
—

 
—

 
—

Manufacturing
—

 
—

 
—

 
—

 
396

 
—

 
396

 
396

Healthcare
—

 
—

 
—

 
—

 
—

 
—

 
—

 
—

Other commercial and industrial
—

 
—

 
—

 
—

 
—

 
—

 
—

 
—

Total commercial
—

 
—

 
—

 
610

 
624

 
—

 
1,234

 
1,234

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Commercial real estate:
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Residential construction and land development
—

 
—

 
—

 
—

 
—

 
—

 
—

 
—

Retail
—

 
—

 
—

 
—

 
498

 
—

 
498

 
498

Office
—

 
—

 
—

 
—

 
—

 
—

 
—

 
—

Multifamily
—

 
—

 
—

 
—

 
—

 
—

 
—

 
—

Industrial
—

 
—

 
—

 
—

 
—

 
—

 
—

 
—

Other real estate loans
—

 
—

 
—

 
—

 
—

 
—

 
—

 
—

Total commercial real estate
—

 
—

 
—

 
—

 
498

 
—

 
498

 
498

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Residential mortgage:
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Permanent mortgage
—

 
—

 
—

 
—

 
—

 
222

 
222

 
222

Permanent mortgage guaranteed by U.S. government agencies
1,971

 
2,892

 
4,863

 
—

 
—

 
—

 
—

 
4,863

Home equity
—

 
—

 
—

 
—

 
—

 
515

 
515

 
515

Total residential mortgage
1,971

 
2,892

 
4,863

 
—

 
—

 
737

 
737

 
5,600

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Consumer
—

 
—

 
—

 
—

 
—

 
116

 
116

 
116

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Total
$
1,971

 
$
2,892

 
$
4,863

 
$
610

 
$
1,122

 
$
853

 
$
2,585

 
$
7,448



 
Nine Months Ended
Sept. 30, 2013
 
Accruing
 
Nonaccrual
 
Total
 
Payment Stream
 
Combination & Other
 
Total
 
Interest Rate
 
Payment Stream
 
Combination & Other
 
Total
 
Commercial:
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Energy
$
—

 
$
—

 
$
—

 
$
—

 
$
—

 
$
—

 
$
—

 
$
—

Services
—

 
—

 
—

 
610

 
1,351

 
—

 
1,961

 
1,961

Wholesale/retail
—

 
—

 
—

 
—

 
—

 
—

 
—

 
—

Manufacturing
—

 
—

 
—

 
—

 
396

 
—

 
396

 
396

Healthcare
—

 
—

 
—

 
—

 
—

 
—

 
—

 
—

Other commercial and industrial
—

 
—

 
—

 
145

 
—

 
—

 
145

 
145

Total commercial
—

 
—

 
—

 
755

 
1,747

 
—

 
2,502

 
2,502

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Commercial real estate:
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Residential construction and land development
—

 
—

 
—

 
—

 
—

 
—

 
—

 
—

Retail
—

 
—

 
—

 
—

 
1,110

 
—

 
1,110

 
1,110

Office
—

 
—

 
—

 
—

 
3,173

 
—

 
3,173

 
3,173

Multifamily
—

 
—

 
—

 
—

 
980

 
—

 
980

 
980

Industrial
—

 
—

 
—

 
—

 
—

 
—

 
—

 
—

Other real estate loans
—

 
—

 
—

 
—

 
3,870

 
—

 
3,870

 
3,870

Total commercial real estate
—

 
—

 
—

 
—

 
9,133

 
—

 
9,133

 
9,133

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Residential mortgage:
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Permanent mortgage
—

 
—

 
—

 
—

 
132

 
864

 
996

 
996

Permanent mortgage guaranteed by U.S. government agencies
9,817

 
9,589

 
19,406

 
—

 
—

 
—

 
—

 
19,406

Home equity
—

 
—

 
—

 
—

 
—

 
2,490

 
2,490

 
2,490

Total residential mortgage
9,817

 
9,589

 
19,406

 
—

 
132

 
3,354

 
3,486

 
22,892

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Consumer
—

 
—

 
—

 
81

 
—

 
763

 
844

 
844

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Total
$
9,817

 
$
9,589

 
$
19,406

 
$
836

 
$
11,012

 
$
4,117

 
$
15,965

 
$
35,371


The following table summarizes, by loan class, the recorded investment at September 30, 2014 of loans modified as TDRs within the previous 12 months and for which there was a payment default during the three months ended September 30, 2014 (in thousands):

 
Three Months Ended
Sept. 30, 2014
 
Nine Months Ended
Sept. 30, 2014
 
Accruing
 
Nonaccrual
 
Total
 
Accruing
 
Nonaccrual
 
Total
Commercial:
 
 
 
 
 
 
 
 
 
 
 
Energy
$
—

 
$
—

 
$
—

 
$
—

 
$
—

 
$
—

Services
—

 
—

 
—

 
—

 
—

 
—

Wholesale/retail
—

 
—

 
—

 
—

 
—

 
—

Manufacturing
—

 
3,000

 
3,000

 
—

 
3,000

 
3,000

Healthcare
—

 
—

 
—

 
—

 
—

 
—

Other commercial and industrial
—

 
—

 
—

 
—

 
—

 
—

Total commercial
—

 
3,000

 
3,000

 
—

 
3,000

 
3,000

 
 
 
 
 
 
 
 
 
 
 
 
Commercial real estate:
 
 
 
 
 
 
 
 
 
 
 
Residential construction and land development
—

 
—

 
—

 
—

 
—

 
—

Retail
—

 
445

 
445

 
—

 
445

 
445

Office
—

 
—

 
—

 
—

 
—

 
—

Multifamily
—

 
—

 
—

 
—

 
—

 
—

Industrial
—

 
—

 
—

 
—

 
—

 
—

Other real estate loans
—

 
—

 
—

 
—

 
—

 
—

Total commercial real estate
—

 
445

 
445

 
—

 
445

 
445

 
 
 
 
 
 
 
 
 
 
 
 
Residential mortgage:
 
 
 
 
 
 
 
 
 
 
 
Permanent mortgage
—

 
2,758

 
2,758

 
—

 
3,254

 
3,254

Permanent mortgage guaranteed by U.S. government agencies
23,376

 
1,115

 
24,491

 
24,126

 
1,115

 
25,241

Home equity
—

 
759

 
759

 
—

 
777

 
777

Total residential mortgage
23,376

 
4,632

 
28,008

 
24,126

 
5,146

 
29,272

 
 
 
 
 
 
 
 
 
 
 
 
Consumer
—

 
—

 
—

 
—

 
3

 
3

 
 
 
 
 
 
 
 
 
 
 
 
Total
$
23,376

 
$
8,077

 
$
31,453

 
$
24,126

 
$
8,594

 
$
32,720


A payment default is defined as being 30 days or more past due. The table above includes loans that experienced a payment default during the period, but may be performing in accordance with the modified terms as of the balance sheet date.

The following table summarizes, by loan class, the recorded investment at September 30, 2013 of loans modified as TDRs within the previous 12 months and for which there was a payment default during the three months ended September 30, 2013 (in thousands):
 
Three Months Ended
Sept. 30, 2013
 
Nine Months Ended
Sept. 30, 2013
 
Accruing
 
Nonaccrual
 
Total
 
Accruing
 
Nonaccrual
 
Total
Commercial:
 
 
 
 
 
 
 
 
 
 
 
Energy
$
—

 
$
—

 
$
—

 
$
—

 
$
—

 
$
—

Services
—

 
1,338

 
1,338

 
—

 
1,948

 
1,948

Wholesale/retail
—

 
—

 
—

 
—

 
—

 
—

Manufacturing
—

 
396

 
396

 
—

 
396

 
396

Healthcare
—

 
—

 
—

 
—

 
—

 
—

Other commercial and industrial
—

 
145

 
145

 
—

 
168

 
168

Total commercial
—

 
1,879

 
1,879

 
—

 
2,512

 
2,512

 
 
 
 
 
 
 
 
 
 
 
 
Commercial real estate:
 
 
 
 
 
 
 
 
 
 
 
Residential construction and land development
—

 
257

 
257

 
—

 
257

 
257

Retail
—

 
1,110

 
1,110

 
—

 
1,110

 
1,110

Office
—

 
3,173

 
3,173

 
—

 
3,173

 
3,173

Multifamily
—

 
—

 
—

 
—

 
980

 
980

Industrial
—

 
—

 
—

 
—

 
—

 
—

Other real estate loans
—

 
—

 
—

 
—

 
3,870

 
3,870

Total commercial real estate
—

 
4,540

 
4,540

 
—

 
9,390

 
9,390

 
 
 
 
 
 
 
 
 
 
 
 
Residential mortgage:
 
 
 
 
 
 
 
 
 
 
 
Permanent mortgage
—

 
820

 
820

 
—

 
941

 
941

Permanent mortgage guaranteed by U.S. government agencies
22,359

 
—

 
22,359

 
26,636

 
—

 
26,636

Home equity
—

 
563

 
563

 
—

 
630

 
630

Total residential mortgage
22,359

 
1,383

 
23,742

 
26,636

 
1,571

 
28,207

 
 
 
 
 
 
 
 
 
 
 
 
Consumer
—

 
134

 
134

 
—

 
169

 
169

 
 
 
 
 
 
 
 
 
 
 
 
Total
$
22,359

 
$
7,936

 
$
30,295

 
$
26,636

 
$
13,642

 
$
40,278
Summary of Loans by Aging Status [Table Text Block]
Nonaccrual & Past Due Loans

Past due status for all loan classes is based on the actual number of days since the last payment was due according to the contractual terms of the loans.

A summary of loans currently performing, loans past due and accruing and nonaccrual loans as of September 30, 2014 is as follows (in thousands):
 
 
 
 
Past Due
 
 
 
 
 
 
Current
 
30 to 89
Days
 
90 Days
or More
 
Nonaccrual
 
Total
Commercial:
 
 
 
 
 
 
 
 
 
 
Energy
 
$
2,549,441

 
$
750

 
$
—

 
$
1,508

 
$
2,551,699

Services
 
2,483,416

 
812

 
5

 
3,584

 
2,487,817

Wholesale/retail
 
1,267,206

 
533

 
—

 
5,502

 
1,273,241

Manufacturing
 
475,595

 
466

 
—

 
3,482

 
479,543

Healthcare
 
1,380,982

 
—

 
—

 
1,417

 
1,382,399

Other commercial and industrial
 
396,358

 
70

 
—

 
911

 
397,339

Total commercial
 
8,552,998

 
2,631

 
5

 
16,404

 
8,572,038

 
 
 
 
 
 
 
 
 
 
 
Commercial real estate:
 
 

 
 

 
 

 
 

 
 

Residential construction and land development
 
152,399

 
8,195

 
—

 
14,634

 
175,228

Retail
 
606,383

 
873

 
—

 
4,009

 
611,265

Office
 
434,160

 
1,250

 
—

 
3,499

 
438,909

Multifamily
 
739,757

 
—

 
—

 
—

 
739,757

Industrial
 
371,426

 
—

 
—

 
—

 
371,426

Other real estate loans
 
378,796

 
300

 
—

 
8,518

 
387,614

Total commercial real estate
 
2,682,921

 
10,618

 
—

 
30,660

 
2,724,199

 
 
 
 
 
 
 
 
 
 
 
Residential mortgage:
 
 

 
 

 
 

 
 

 
 

Permanent mortgage
 
947,791

 
8,179

 
—

 
35,137

 
991,107

Permanent mortgages guaranteed by U.S. government agencies
 
35,318

 
23,475

 
135,860

 
3,835

 
198,488

Home equity
 
778,175

 
1,938

 
20

 
9,935

 
790,068

Total residential mortgage
 
1,761,284

 
33,592

 
135,880

 
48,907

 
1,979,663

 
 
 
 
 
 
 
 
 
 
 
Consumer
 
406,463

 
796

 
—

 
580

 
407,839

 
 
 
 
 
 
 
 
 
 
 
Total
 
$
13,403,666

 
$
47,637

 
$
135,885

 
$
96,551

 
$
13,683,739


A summary of loans currently performing, loans past due and accruing and nonaccrual loans as of December 31, 2013 is as follows (in thousands):

 
 
 
 
Past Due
 
 
 
 
 
 
Current
 
30 to 89
Days
 
90 Days
or More
 
Nonaccrual
 
Total
Commercial:
 
 
 
 
 
 
 
 
 
 
Energy
 
$
2,347,267

 
$
2,483

 
$
150

 
$
1,860

 
$
2,351,760

Services
 
2,276,036

 
1,210

 
42

 
4,922

 
2,282,210

Wholesale/retail
 
1,193,905

 
338

 
152

 
6,969

 
1,201,364

Manufacturing
 
391,159

 
—

 
—

 
592

 
391,751

Healthcare
 
1,272,660

 
—

 
—

 
1,586

 
1,274,246

Other commercial and industrial
 
440,973

 
81

 
5

 
831

 
441,890

Total commercial
 
7,922,000

 
4,112

 
349

 
16,760

 
7,943,221

 
 
 
 
 
 
 
 
 
 
 
Commercial real estate:
 
 

 
 

 
 

 
 

 
 

Residential construction and land development
 
188,434

 
428

 
19

 
17,377

 
206,258

Retail
 
580,926

 
264

 
—

 
4,857

 
586,047

Office
 
404,505

 
603

 
—

 
6,391

 
411,499

Multifamily
 
576,495

 
—

 
—

 
7

 
576,502

Industrial
 
243,625

 
—

 
—

 
252

 
243,877

Other real estate loans
 
376,699

 
1,493

 
1,012

 
11,966

 
391,170

Total commercial real estate
 
2,370,684

 
2,788

 
1,031

 
40,850

 
2,415,353

 
 
 
 
 
 
 
 
 
 
 
Residential mortgage:
 
 

 
 

 
 

 
 

 
 

Permanent mortgage
 
1,018,670

 
9,795

 
—

 
34,279

 
1,062,744

Permanent mortgages guaranteed by U.S. government agencies
 
21,916

 
17,290

 
141,615

 
777

 
181,598

Home equity
 
797,299

 
3,087

 
34

 
7,264

 
807,684

Total residential mortgage
 
1,837,885

 
30,172

 
141,649

 
42,320

 
2,052,026

 
 
 
 
 
 
 
 
 
 
 
Consumer
 
379,417

 
1,027

 
1

 
1,219

 
381,664

 
 
 
 
 
 
 
 
 
 
 
Total
 
$
12,509,986

 
$
38,099

 
$
143,030

 
$
101,149

 
$
12,792,264

A summary of loans currently performing, loans past due and accruing and nonaccrual loans as of September 30, 2013 is as follows (in thousands):

 
 
 
 
Past Due
 
 
 
 
 
 
Current
 
30 to 89
Days
 
90 Days
or More
 
Nonaccrual
 
Total
Commercial:
 
 
 
 
 
 
 
 
 
 
Energy
 
$
2,308,639

 
$
1,399

 
$
—

 
$
1,953

 
$
2,311,991

Services
 
2,140,835

 
704

 
85

 
6,927

 
2,148,551

Wholesale/retail
 
1,173,628

 
955

 
—

 
7,223

 
1,181,806

Manufacturing
 
381,048

 
569

 
—

 
843

 
382,460

Healthcare
 
1,158,340

 
139

 
—

 
1,733

 
1,160,212

Other commercial and industrial
 
385,096

 
116

 
—

 
843

 
386,055

Total commercial
 
7,547,586

 
3,882

 
85

 
19,522

 
7,571,075

 
 
 
 
 
 
 
 
 
 
 
Commercial real estate:
 
 

 
 

 
 

 
 

 
 

Residential construction and land development
 
195,672

 
—

 
—

 
20,784

 
216,456

Retail
 
548,810

 
194

 
—

 
7,914

 
556,918

Office
 
415,205

 
—

 
—

 
6,838

 
422,043

Multifamily
 
516,104

 
—

 
—

 
4,350

 
520,454

Industrial
 
244,415

 
607

 
—

 
—

 
245,022

Other real estate loans
 
375,250

 
470

 
—

 
12,616

 
388,336

Total commercial real estate
 
2,295,456

 
1,271

 
—

 
52,502

 
2,349,229

 
 
 
 
 
 
 
 
 
 
 
Residential mortgage:
 
 

 
 

 
 

 
 

 
 

Permanent mortgage
 
1,040,616

 
6,248

 
—

 
31,797

 
1,078,661

Permanent mortgages guaranteed by U.S. government agencies
 
20,985

 
18,639

 
123,718

 
577

 
163,919

Home equity
 
782,954

 
2,321

 
28

 
6,882

 
792,185

Total residential mortgage
 
1,844,555

 
27,208

 
123,746

 
39,256

 
2,034,765

 
 
 
 
 
 
 
 
 
 
 
Consumer
 
391,604

 
1,728

 
75

 
1,624

 
395,031

 
 
 
 
 
 
 
 
 
 
 
Total
 
$
12,079,201

 
$
34,089

 
$
123,906

 
$
112,904

 
$
12,350,100