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Loans and Allowances for Credit Losses (Tables)
 6 Months Ended
Jun. 30, 2016
Loans Receivable, Net [Abstract]  
Schedule of Loans by Portfolio Segment [Table Text Block]
Portfolio segments of the loan portfolio are as follows (in thousands):

 
 
June 30, 2016
 
December 31, 2015
 
 
Fixed
Rate
 
Variable
Rate
 
Non-accrual
 
Total
 
Fixed
Rate
 
Variable
Rate
 
Non-accrual
 
Total
Commercial
 
$
1,994,415

 
$
8,180,033

 
$
181,989

 
$
10,356,437

 
$
1,850,548

 
$
8,325,559

 
$
76,424

 
$
10,252,531

Commercial real estate
 
612,822

 
2,961,364

 
7,780

 
3,581,966

 
627,678

 
2,622,354

 
9,001

 
3,259,033

Residential mortgage
 
1,586,116

 
237,746

 
57,061

 
1,880,923

 
1,598,992

 
216,661

 
61,240

 
1,876,893

Personal
 
109,447

 
477,622

 
354

 
587,423

 
91,816

 
460,418

 
463

 
552,697

Total
 
$
4,302,800

 
$
11,856,765

 
$
247,184

 
$
16,406,749

 
$
4,169,034

 
$
11,624,992

 
$
147,128

 
$
15,941,154

Accruing loans past due (90 days)1
 
 

 
 

 
 

 
$
2,899

 
 

 
 

 
 

 
$
1,207

 
 
June 30, 2015
 
 
Fixed
Rate
 
Variable
Rate
 
Non-accrual
 
Total
Commercial
 
$
1,730,675

 
$
8,020,813

 
$
24,233

 
$
9,775,721

Commercial real estate
 
715,062

 
2,298,296

 
20,139

 
3,033,497

Residential mortgage
 
1,639,773

 
198,986

 
45,969

 
1,884,728

Personal
 
100,028

 
329,612

 
550

 
430,190

Total
 
$
4,185,538

 
$
10,847,707

 
$
90,891

 
$
15,124,136

Accruing loans past due (90 days)1
 
 

 
 

 
 

 
$
99

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 June 30, 2016 is summarized as follows (in thousands):
 
 
Commercial
 
Commercial Real Estate
 
Residential Mortgage
 
Personal
 
Nonspecific Allowance
 
Total
Allowance for loan losses:
 
 
 
 
 
 
 
 
 
 
 
 
Beginning balance
 
$
139,793

 
$
44,453

 
$
18,467

 
$
5,022

 
$
25,421

 
$
233,156

Provision for loan losses
 
12,478

 
2,010

 
368

 
1,443

 
1,263

 
17,562

Loans charged off
 
(7,355
)
 
—

 
(345
)
 
(1,145
)
 
—

 
(8,845
)
Recoveries
 
223

 
282

 
200

 
681

 
—

 
1,386

Ending balance
 
$
145,139

 
$
46,745

 
$
18,690

 
$
6,001

 
$
26,684

 
$
243,259

Allowance for off-balance sheet credit losses:
 
 

 
 

 
 

 
 

 
 

 
 

Beginning balance
 
$
6,319

 
$
228

 
$
58

 
$
2

 
$
—

 
$
6,607

Provision for off-balance sheet credit losses
 
2,433

 
(25
)
 
4

 
26

 
—

 
2,438

Ending balance
 
$
8,752

 
$
203

 
$
62

 
$
28

 
$
—

 
$
9,045

 
 
 
 
 
 
 
 
 
 
 
 
 
Total provision for credit losses
 
$
14,911

 
$
1,985

 
$
372

 
$
1,469

 
$
1,263

 
$
20,000

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 six months ended June 30, 2016 is summarized as follows (in thousands):
 
 
Commercial
 
Commercial Real Estate
 
Residential Mortgage
 
Personal
 
Nonspecific Allowance
 
Total
Allowance for loan losses:
 
 
 
 
 
 
 
 
 
 
 
 
Beginning balance
 
$
130,334

 
$
41,391

 
$
19,509

 
$
4,164

 
$
30,126

 
$
225,524

Provision for loan losses
 
43,575

 
4,987

 
(363
)
 
2,909

 
(3,442
)
 
47,666

Loans charged off
 
(29,481
)
 
—

 
(819
)
 
(2,536
)
 
—

 
(32,836
)
Recoveries
 
711

 
367

 
363

 
1,464

 
—

 
2,905

Ending balance
 
$
145,139

 
$
46,745

 
$
18,690

 
$
6,001

 
$
26,684

 
$
243,259

Allowance for off-balance sheet credit losses:
 
 

 
 

 
 

 
 

 
 

 
 

Beginning balance
 
$
1,506

 
$
153

 
$
30

 
$
22

 
$
—

 
$
1,711

Provision for off-balance sheet credit losses
 
7,246

 
50

 
32

 
6

 
—

 
7,334

Ending balance
 
$
8,752

 
$
203

 
$
62

 
$
28

 
$
—

 
$
9,045

 
 
 
 
 
 
 
 
 
 
 
 
 
Total provision for credit losses
 
$
50,821

 
$
5,037

 
$
(331
)
 
$
2,915

 
$
(3,442
)
 
$
55,000


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 June 30, 2015 is summarized as follows (in thousands):
 
 
Commercial
 
Commercial Real Estate
 
Residential Mortgage
 
Personal
 
Nonspecific Allowance
 
Total
Allowance for loan losses:
 
 
 
 
 
 
 
 
 
 
 
 
Beginning balance
 
$
101,411

 
$
40,819

 
$
23,244

 
$
4,139

 
$
28,073

 
$
197,686

Provision for loan losses
 
5,822

 
(1,334
)
 
(1,562
)
 
317

 
829

 
4,072

Loans charged off
 
(881
)
 
(16
)
 
(714
)
 
(1,266
)
 
—

 
(2,877
)
Recoveries
 
685

 
275

 
481

 
765

 
—

 
2,206

Ending balance
 
$
107,037

 
$
39,744

 
$
21,449

 
$
3,955

 
$
28,902

 
$
201,087

Allowance for off-balance sheet credit losses:
 
 

 
 

 
 

 
 

 
 

 
 

Beginning balance
 
$
577

 
$
333

 
$
24

 
$
20

 
$
—

 
$
954

Provision for off-balance sheet credit losses
 
18

 
(91
)
 
2

 
(1
)
 
—

 
(72
)
Ending balance
 
$
595

 
$
242

 
$
26

 
$
19

 
$
—

 
$
882

 
 
 
 
 
 
 
 
 
 
 
 
 
Total provision for credit losses
 
$
5,840

 
$
(1,425
)
 
$
(1,560
)
 
$
316

 
$
829

 
$
4,000


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 six months ended June 30, 2015 is summarized as follows (in thousands):
 
 
Commercial
 
Commercial Real Estate
 
Residential Mortgage
 
Personal
 
Nonspecific Allowance
 
Total
Allowance for loan losses:
 
 
 
 
 
 
 
 
 
 
 
 
Beginning balance
 
$
90,875

 
$
42,445

 
$
23,458

 
$
4,233

 
$
28,045

 
$
189,056

Provision for loan losses
 
16,175

 
(11,751
)
 
(1,589
)
 
656

 
857

 
4,348

Loans charged off
 
(1,055
)
 
(44
)
 
(1,338
)
 
(2,609
)
 
—

 
(5,046
)
Recoveries
 
1,042

 
9,094

 
918

 
1,675

 
—

 
12,729

Ending balance
 
$
107,037

 
$
39,744

 
$
21,449

 
$
3,955

 
$
28,902

 
$
201,087

Allowance for off-balance sheet credit losses:
 
 

 
 

 
 

 
 

 
 

 
 

Beginning balance
 
$
475

 
$
707

 
$
28

 
$
20

 
$
—

 
$
1,230

Provision for off-balance sheet credit losses
 
120

 
(465
)
 
(2
)
 
(1
)
 
—

 
(348
)
Ending balance
 
$
595

 
$
242

 
$
26

 
$
19

 
$
—

 
$
882

 
 
 
 
 
 
 
 
 
 
 
 
 
Total provision for credit losses
 
$
16,295

 
$
(12,216
)
 
$
(1,591
)
 
$
655

 
$
857

 
$
4,000



The allowance for loan losses and recorded investment of the related loans by portfolio segment for each impairment measurement method at June 30, 2016 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
 
$
10,174,448

 
$
140,911

 
$
181,989

 
$
4,228

 
$
10,356,437

 
$
145,139

Commercial real estate
 
3,574,186

 
46,727

 
7,780

 
18

 
3,581,966

 
46,745

Residential mortgage
 
1,823,862

 
18,626

 
57,061

 
64

 
1,880,923

 
18,690

Personal
 
587,069

 
6,001

 
354

 
—

 
587,423

 
6,001

Total
 
16,159,565

 
212,265

 
247,184

 
4,310

 
16,406,749

 
216,575

 
 
 
 
 
 
 
 
 
 
 
 
 
Nonspecific allowance
 
—

 
—

 
—

 
—

 
—

 
26,684

 
 
 
 
 
 
 
 
 
 
 
 
 
Total
 
$
16,159,565

 
$
212,265

 
$
247,184

 
$
4,310

 
$
16,406,749

 
$
243,259


The allowance for loan losses and recorded investment of the related loans by portfolio segment for each impairment measurement method at December 31, 2015 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
 
$
10,176,107

 
$
114,027

 
$
76,424

 
$
16,307

 
$
10,252,531

 
$
130,334

Commercial real estate
 
3,250,032

 
41,373

 
9,001

 
18

 
3,259,033

 
41,391

Residential mortgage
 
1,815,653

 
19,441

 
61,240

 
68

 
1,876,893

 
19,509

Personal
 
552,234

 
4,164

 
463

 
—

 
552,697

 
4,164

Total
 
15,794,026

 
179,005

 
147,128

 
16,393

 
15,941,154

 
195,398

 
 
 
 
 
 
 
 
 
 
 
 
 
Nonspecific allowance
 
—

 
—

 
—

 
—

 
—

 
30,126

 
 
 
 
 
 
 
 
 
 
 
 
 
Total
 
$
15,794,026

 
$
179,005

 
$
147,128

 
$
16,393

 
$
15,941,154

 
$
225,524


The allowance for loan losses and recorded investment of the related loans by portfolio segment for each impairment measurement method at June 30, 2015 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
 
$
9,751,488

 
$
106,690

 
$
24,233

 
$
347

 
$
9,775,721

 
$
107,037

Commercial real estate
 
3,013,358

 
39,726

 
20,139

 
18

 
3,033,497

 
39,744

Residential mortgage
 
1,838,759

 
21,349

 
45,969

 
100

 
1,884,728

 
21,449

Personal
 
429,640

 
3,955

 
550

 
—

 
430,190

 
3,955

Total
 
15,033,245

 
171,720

 
90,891

 
465

 
15,124,136

 
172,185

 
 
 
 
 
 
 
 
 
 
 
 
 
Nonspecific allowance
 
—

 
—

 
—

 
—

 
—

 
28,902

 
 
 
 
 
 
 
 
 
 
 
 
 
Total
 
$
15,033,245

 
$
171,720

 
$
90,891

 
$
465

 
$
15,124,136

 
$
201,087
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 June 30, 2016 is as follows (in thousands):
 
 
Internally Risk Graded
 
Non-Graded
 
Total
 
 
Recorded Investment
 
Related Allowance
 
Recorded Investment
 
Related Allowance
 
Recorded Investment
 
Related
Allowance
Commercial
 
$
10,331,701

 
$
144,217

 
$
24,736

 
$
922

 
$
10,356,437

 
$
145,139

Commercial real estate
 
3,581,966

 
46,745

 
—

 
—

 
3,581,966

 
46,745

Residential mortgage
 
202,520

 
2,995

 
1,678,403

 
15,695

 
1,880,923

 
18,690

Personal
 
500,240

 
3,624

 
87,183

 
2,377

 
587,423

 
6,001

Total
 
14,616,427

 
197,581

 
1,790,322

 
18,994

 
16,406,749

 
216,575

 
 
 
 
 
 
 
 
 
 
 
 
 
Nonspecific allowance
 
—

 
—

 
—

 
—

 
—

 
26,684

 
 
 
 
 
 
 
 
 
 
 
 
 
Total
 
$
14,616,427

 
$
197,581

 
$
1,790,322

 
$
18,994

 
$
16,406,749

 
$
243,259

 
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, 2015 is as follows (in thousands):
 
 
Internally Risk Graded
 
Non-Graded
 
Total
 
 
Recorded Investment
 
Related Allowance
 
Recorded Investment
 
Related Allowance
 
Recorded Investment
 
Related
Allowance
Commercial
 
$
10,227,303

 
$
129,426

 
$
25,228

 
$
908

 
$
10,252,531

 
$
130,334

Commercial real estate
 
3,259,033

 
41,391

 
—

 
—

 
3,259,033

 
41,391

Residential mortgage
 
196,701

 
2,883

 
1,680,192

 
16,626

 
1,876,893

 
19,509

Personal
 
467,955

 
1,390

 
84,742

 
2,774

 
552,697

 
4,164

Total
 
14,150,992

 
175,090

 
1,790,162

 
20,308

 
15,941,154

 
195,398

 
 
 
 
 
 
 
 
 
 
 
 
 
Nonspecific allowance
 
—

 
—

 
—

 
—

 
—

 
30,126

 
 
 
 
 
 
 
 
 
 
 
 
 
Total
 
$
14,150,992

 
$
175,090

 
$
1,790,162

 
$
20,308

 
$
15,941,154

 
$
225,524


The allowance for loan losses and recorded investment of the related loans by portfolio segment for risk graded and non-risk graded loans at June 30, 2015 is as follows (in thousands):
 
 
Internally Risk Graded
 
Non-Graded
 
Total
 
 
Recorded Investment
 
Related Allowance
 
Recorded Investment
 
Related Allowance
 
Recorded Investment
 
Related
Allowance
Commercial
 
$
9,752,301

 
$
106,162

 
$
23,420

 
$
875

 
$
9,775,721

 
$
107,037

Commercial real estate
 
3,033,497

 
39,744

 
—

 
—

 
3,033,497

 
39,744

Residential mortgage
 
190,744

 
2,922

 
1,693,984

 
18,527

 
1,884,728

 
21,449

Personal
 
343,114

 
1,549

 
87,076

 
2,406

 
430,190

 
3,955

Total
 
13,319,656

 
150,377

 
1,804,480

 
21,808

 
15,124,136

 
172,185

 
 
 
 
 
 
 
 
 
 
 
 
 
Nonspecific allowance
 
—

 
—

 
—

 
—

 
—

 
28,902

 
 
 
 
 
 
 
 
 
 
 
 
 
Total
 
$
13,319,656

 
$
150,377

 
$
1,804,480

 
$
21,808

 
$
15,124,136

 
$
201,087
Schedule of Credit Quality Indicators [Table Text Block]
The following table summarizes the Company’s loan portfolio at June 30, 2016 by the risk grade categories (in thousands): 
 
 
Internally Risk Graded
 
Non-Graded
 
 
 
 
Performing
 
Potential Problem
 
Nonaccrual
 
Performing
 
Nonaccrual
 
Total
Commercial:
 
 
 
 
 
 
 
 
 
 
 
 
Energy
 
$
2,229,486

 
$
421,025

 
$
168,145

 
$
—

 
$
—

 
$
2,818,656

Services
 
2,811,560

 
9,916

 
9,388

 
—

 
—

 
2,830,864

Wholesale/retail
 
1,503,561

 
26,624

 
2,772

 
—

 
—

 
1,532,957

Manufacturing
 
575,498

 
19,612

 
293

 
—

 
—

 
595,403

Healthcare
 
2,041,354

 
8,917

 
875

 
—

 
—

 
2,051,146

Other commercial and industrial
 
502,222

 
—

 
453

 
24,673

 
63

 
527,411

Total commercial
 
9,663,681

 
486,094

 
181,926

 
24,673

 
63

 
10,356,437

 
 
 
 
 
 
 
 
 
 
 
 
 
Commercial real estate:
 
 

 
 

 
 

 
 

 
 

 
 

Residential construction and land development
 
152,343

 
972

 
4,261

 
—

 
—

 
157,576

Retail
 
793,741

 
413

 
1,265

 
—

 
—

 
795,419

Office
 
768,202

 
304

 
606

 
—

 
—

 
769,112

Multifamily
 
781,058

 
6,077

 
65

 
—

 
—

 
787,200

Industrial
 
645,510

 
—

 
76

 
—

 
—

 
645,586

Other commercial real estate
 
425,558

 
8

 
1,507

 
—

 
—

 
427,073

Total commercial real estate
 
3,566,412

 
7,774

 
7,780

 
—

 
—

 
3,581,966

 
 
 
 
 
 
 
 
 
 
 
 
 
Residential mortgage:
 
 

 
 

 
 

 
 

 
 

 
 

Permanent mortgage
 
196,159

 
3,406

 
2,955

 
742,214

 
24,273

 
969,007

Permanent mortgages guaranteed by U.S. government agencies
 
—

 
—

 
—

 
172,991

 
19,741

 
192,732

Home equity
 
—

 
—

 
—

 
709,092

 
10,092

 
719,184

Total residential mortgage
 
196,159

 
3,406

 
2,955

 
1,624,297

 
54,106

 
1,880,923

 
 
 
 
 
 
 
 
 
 
 
 
 
Personal
 
496,534

 
3,590

 
116

 
86,945

 
238

 
587,423

 
 
 
 
 
 
 
 
 
 
 
 
 
Total
 
$
13,922,786

 
$
500,864

 
$
192,777

 
$
1,735,915

 
$
54,407

 
$
16,406,749



The following table summarizes the Company’s loan portfolio at December 31, 2015 by the risk grade categories (in thousands): 
 
 
Internally Risk Graded
 
Non-Graded
 
 
 
 
Performing
 
Potential Problem
 
Nonaccrual
 
Performing
 
Nonaccrual
 
Total
Commercial:
 
 
 
 
 
 
 
 
 
 
 
 
Energy
 
$
2,906,357

 
$
129,782

 
$
61,189

 
$
—

 
$
—

 
$
3,097,328

Services
 
2,767,225

 
6,761

 
10,290

 
—

 
—

 
2,784,276

Wholesale/retail
 
1,412,780

 
6,365

 
2,919

 
—

 
—

 
1,422,064

Manufacturing
 
554,526

 
1,872

 
331

 
—

 
—

 
556,729

Healthcare
 
1,882,308

 
—

 
1,072

 
—

 
—

 
1,883,380

Other commercial and industrial
 
483,030

 
—

 
496

 
25,101

 
127

 
508,754

Total commercial
 
10,006,226

 
144,780

 
76,297

 
25,101

 
127

 
10,252,531

 
 
 
 
 
 
 
 
 
 
 
 
 
Commercial real estate:
 
 

 
 

 
 

 
 

 
 

 
 

Residential construction and land development
 
155,724

 
293

 
4,409

 
—

 
—

 
160,426

Retail
 
794,754

 
426

 
1,319

 
—

 
—

 
796,499

Office
 
636,501

 
555

 
651

 
—

 
—

 
637,707

Multifamily
 
744,299

 
6,512

 
274

 
—

 
—

 
751,085

Industrial
 
563,093

 
—

 
76

 
—

 
—

 
563,169

Other commercial real estate
 
347,864

 
11

 
2,272

 
—

 
—

 
350,147

Total commercial real estate
 
3,242,235

 
7,797

 
9,001

 
—

 
—

 
3,259,033

 
 
 
 
 
 
 
 
 
 
 
 
 
Residential mortgage:
 
 

 
 

 
 

 
 

 
 

 
 

Permanent mortgage
 
192,456

 
1,932

 
2,313

 
721,964

 
26,671

 
945,336

Permanent mortgages guaranteed by U.S. government agencies
 
—

 
—

 
—

 
175,037

 
21,900

 
196,937

Home equity
 
—

 
—

 
—

 
724,264

 
10,356

 
734,620

Total residential mortgage
 
192,456

 
1,932

 
2,313

 
1,621,265

 
58,927

 
1,876,893

 
 
 
 
 
 
 
 
 
 
 
 
 
Personal
 
467,811

 
14

 
130

 
84,409

 
333

 
552,697

 
 
 
 
 
 
 
 
 
 
 
 
 
Total
 
$
13,908,728

 
$
154,523

 
$
87,741

 
$
1,730,775

 
$
59,387

 
$
15,941,154


The following table summarizes the Company’s loan portfolio at June 30, 2015 by the risk grade categories (in thousands): 
 
 
Internally Risk Graded
 
Non-Graded
 
 
 
 
Performing
 
Potential Problem
 
Nonaccrual
 
Performing
 
Nonaccrual
 
Total
Commercial:
 
 
 
 
 
 
 
 
 
 
 
 
Energy
 
$
2,771,248

 
$
124,054

 
$
6,841

 
$
—

 
$
—

 
$
2,902,143

Services
 
2,662,028

 
8,154

 
10,944

 
—

 
—

 
2,681,126

Wholesale/retail
 
1,506,059

 
23,505

 
4,166

 
—

 
—

 
1,533,730

Manufacturing
 
567,752

 
11,418

 
379

 
—

 
—

 
579,549

Healthcare
 
1,644,747

 
—

 
1,278

 
—

 
—

 
1,646,025

Other commercial and industrial
 
406,799

 
2,385

 
544

 
23,339

 
81

 
433,148

Total commercial
 
9,558,633

 
169,516

 
24,152

 
23,339

 
81

 
9,775,721

 
 
 
 
 
 
 
 
 
 
 
 
 
Commercial real estate:
 
 

 
 

 
 

 
 

 
 

 
 

Residential construction and land development
 
138,721

 
486

 
9,367

 
—

 
—

 
148,574

Retail
 
684,182

 
439

 
3,826

 
—

 
—

 
688,447

Office
 
560,159

 
566

 
2,360

 
—

 
—

 
563,085

Multifamily
 
703,449

 
7,689

 
195

 
—

 
—

 
711,333

Industrial
 
487,978

 
—

 
76

 
—

 
—

 
488,054

Other commercial real estate
 
429,544

 
145

 
4,315

 
—

 
—

 
434,004

Total commercial real estate
 
3,004,033

 
9,325

 
20,139

 
—

 
—

 
3,033,497

 
 
 
 
 
 
 
 
 
 
 
 
 
Residential mortgage:
 
 

 
 

 
 

 
 

 
 

 
 

Permanent mortgage
 
186,568

 
1,690

 
2,486

 
725,879

 
29,701

 
946,324

Permanent mortgages guaranteed by U.S. government agencies
 
—

 
—

 
—

 
187,122

 
3,717

 
190,839

Home equity
 
—

 
—

 
—

 
737,500

 
10,065

 
747,565

Total residential mortgage
 
186,568

 
1,690

 
2,486

 
1,650,501

 
43,483

 
1,884,728

 
 
 
 
 
 
 
 
 
 
 
 
 
Personal
 
342,949

 
16

 
149

 
86,675

 
401

 
430,190

 
 
 
 
 
 
 
 
 
 
 
 
 
Total
 
$
13,092,183

 
$
180,547

 
$
46,926

 
$
1,760,515

 
$
43,965

 
$
15,124,136
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
 
June 30, 2016
 
Three Months Ended
 
Six Months Ended
 
 
 
Recorded Investment
 
 
 
June 30, 2016
 
June 30, 2016
 
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
$
202,369

 
$
168,145

 
$
136,264

 
$
31,881

 
$
4,228

 
$
163,849

 
$
—

 
$
97,923

 
$
—

Services
12,780

 
9,388

 
9,388

 
—

 
—

 
9,450

 
—

 
9,839

 
—

Wholesale/retail
8,697

 
2,772

 
2,772

 
—

 
—

 
3,229

 
—

 
2,846

 
—

Manufacturing
650

 
293

 
293

 
—

 
—

 
303

 
—

 
312

 
—

Healthcare
1,175

 
875

 
875

 
—

 
—

 
949

 
—

 
973

 
—

Other commercial and industrial
8,186

 
516

 
516

 
—

 
—

 
542

 
—

 
569

 
—

Total commercial
233,857

 
181,989

 
150,108

 
31,881

 
4,228

 
178,322

 
—

 
112,462

 
—

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Commercial real estate:
 

 
 

 
 

 
 

 
 

 
 

 
 

 
 

 
 

Residential construction and land development
7,177

 
4,261

 
4,261

 
—

 
—

 
4,525

 
—

 
4,335

 
—

Retail
1,914

 
1,265

 
1,265

 
—

 
—

 
1,283

 
—

 
1,292

 
—

Office
907

 
606

 
606

 
—

 
—

 
618

 
—

 
628

 
—

Multifamily
1,000

 
65

 
65

 
—

 
—

 
157

 
—

 
169

 
—

Industrial
76

 
76

 
76

 
—

 
—

 
76

 
—

 
76

 
—

Other real estate loans
7,445

 
1,507

 
1,355

 
152

 
18

 
1,865

 
—

 
1,890

 
—

Total commercial real estate
18,519

 
7,780

 
7,628

 
152

 
18

 
8,524

 
—

 
8,390

 
—

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Residential mortgage:
 

 
 

 
 

 
 

 
 

 
 

 
 

 
 

 
 

Permanent mortgage
33,793

 
27,228

 
27,117

 
111

 
64

 
27,362

 
304

 
28,106

 
631

Permanent mortgage guaranteed by U.S. government agencies1
198,534

 
192,732

 
192,732

 
—

 
—

 
191,430

 
2,023

 
195,563

 
3,795

Home equity
10,964

 
10,092

 
10,092

 
—

 
—

 
10,311

 
—

 
10,224

 
—

Total residential mortgage
243,291

 
230,052

 
229,941

 
111

 
64

 
229,103

 
2,327

 
233,893

 
4,426

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Personal
1,174

 
354

 
354

 
—

 
—

 
342

 
—

 
409

 
—

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Total
$
496,841

 
$
420,175

 
$
388,031

 
$
32,144

 
$
4,310

 
$
416,291

 
$
2,327

 
$
355,154

 
$
4,426

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 June 30, 2016, $20 million of these loans were nonaccruing and $173 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, 2015 follows (in thousands): 
 
 
 
 
Recorded Investment
 
 
 
 
Unpaid
Principal
Balance
 
Total
 
With No
Allowance
 
With Allowance
 
Related Allowance
Commercial:
 
 
 
 
 
 
 
 
 
 
Energy
 
$
63,910

 
$
61,189

 
$
18,330

 
$
42,859

 
$
16,115

Services
 
13,449

 
10,290

 
9,657

 
633

 
148

Wholesale/retail
 
8,582

 
2,919

 
2,907

 
12

 
9

Manufacturing
 
665

 
331

 
331

 
—

 
—

Healthcare
 
1,352

 
1,072

 
931

 
141

 
35

Other commercial and industrial
 
8,304

 
623

 
623

 
—

 
—

Total commercial
 
96,262

 
76,424

 
32,779

 
43,645

 
16,307

 
 
 
 
 
 
 
 
 
 
 
Commercial real estate:
 
 

 
 

 
 

 
 

 
 

Residential construction and land development
 
8,963

 
4,409

 
4,409

 
—

 
—

Retail
 
1,923

 
1,319

 
1,319

 
—

 
—

Office
 
937

 
651

 
651

 
—

 
—

Multifamily
 
1,192

 
274

 
274

 
—

 
—

Industrial
 
76

 
76

 
76

 
—

 
—

Other real estate loans
 
8,363

 
2,272

 
2,113

 
159

 
18

Total commercial real estate
 
21,454

 
9,001

 
8,842

 
159

 
18

 
 
 
 
 
 
 
 
 
 
 
Residential mortgage:
 
 

 
 

 
 

 
 

 
 

Permanent mortgage
 
37,273

 
28,984

 
28,868

 
116

 
68

Permanent mortgage guaranteed by U.S. government agencies1
 
202,984

 
196,937

 
196,937

 
—

 
—

Home equity
 
10,988

 
10,356

 
10,356

 
—

 
—

Total residential mortgage
 
251,245

 
236,277

 
236,161

 
116

 
68

 
 
 
 
 
 
 
 
 
 
 
Personal
 
489

 
463

 
463

 
—

 
—

 
 
 
 
 
 
 
 
 
 
 
Total
 
$
369,450

 
$
322,165

 
$
278,245

 
$
43,920

 
$
16,393

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, 2015, $22 million of these loans were nonaccruing and $175 million were accruing based on the guarantee by U.S. government agencies.

A summary of impaired loans at June 30, 2015 follows (in thousands): 
 
 
 
For the
 
For the
 
As of June 30, 2015
 
Three Months Ended
 
Six Months Ended
 
 
 
Recorded Investment
 
 
 
June 30, 2015
 
June 30, 2015
 
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
$
7,476

 
$
6,841

 
$
6,324

 
$
517

 
$
151

 
$
4,358

 
$
—

 
$
4,129

 
$
—

Services
13,815

 
10,944

 
10,270

 
674

 
152

 
7,844

 
—

 
8,072

 
—

Wholesale/retail
9,781

 
4,166

 
4,134

 
32

 
9

 
4,283

 
—

 
4,157

 
—

Manufacturing
690

 
379

 
379

 
—

 
—

 
398

 
—

 
414

 
—

Healthcare
1,646

 
1,278

 
1,088

 
190

 
35

 
1,418

 
—

 
1,329

 
—

Other commercial and industrial
8,302

 
625

 
625

 
—

 
—

 
755

 
—

 
778

 
—

Total commercial
41,710

 
24,233

 
22,820

 
1,413

 
347

 
19,056

 
—

 
18,879

 
—

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Commercial real estate:
 
 
 
 
 
 
 
 
 
 
 
 
 

 
 
 
 

Residential construction and land development
14,143

 
9,367

 
9,367

 
—

 
—

 
9,483

 
—

 
7,333

 
—

Retail
5,369

 
3,826

 
3,826

 
—

 
—

 
3,842

 
—

 
3,876

 
—

Office
4,439

 
2,360

 
2,360

 
—

 
—

 
2,385

 
—

 
2,890

 
—

Multifamily
195

 
195

 
195

 
—

 
—

 
98

 
—

 
98

 
—

Industrial
76

 
76

 
76

 
—

 
—

 
76

 
—

 
38

 
—

Other real estate loans
10,411

 
4,315

 
4,149

 
166

 
18

 
4,138

 
—

 
5,113

 
—

Total commercial real estate
34,633

 
20,139

 
19,973

 
166

 
18

 
20,022

 
—

 
19,348

 
—

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Residential mortgage:
 
 
 
 
 
 
 
 
 
 
 
 
 

 
 
 
 

Permanent mortgage
41,092

 
32,187

 
32,029

 
158

 
100

 
32,776

 
330

 
33,516

 
645

Permanent mortgage guaranteed by U.S. government agencies1
197,090

 
190,839

 
190,839

 
—

 
—

 
194,138

 
2,047

 
200,929

 
4,303

Home equity
10,510

 
10,065

 
10,065

 
—

 
—

 
9,966

 
—

 
9,815

 
—

Total residential mortgage
248,692

 
233,091

 
232,933

 
158

 
100

 
236,880

 
2,377

 
244,260

 
4,948

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Personal
570

 
550

 
550

 
—

 
—

 
506

 
—

 
558

 
—

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Total
$
325,605

 
$
278,013

 
$
276,276

 
$
1,737

 
$
465

 
$
276,464

 
$
2,377

 
$
283,045

 
$
4,948

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 June 30, 2015, $3.7 million of these loans were nonaccruing and $187 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 June 30, 2016 is as follows (in thousands):
 
 
As of June 30, 2016
 
Amounts Charged Off During:
 
 
Recorded
Investment
 
Performing in Accordance With Modified Terms
 
Not
Performing in Accordance With Modified Terms
 
Specific
Allowance
 
Three Months
Ended
June 30, 2016
 
Six Months Ended
June 30, 2016
Nonaccruing TDRs:
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Commercial:
 
 
 
 
 
 
 
 
 
 
 
 
Energy
 
$
2,246

 
$
—

 
$
2,246

 
$
—

 
$
500

 
$
500

Services
 
8,610

 
7,853

 
757

 
—

 
—

 
—

Wholesale/retail
 
2,467

 
2,427

 
40

 
—

 
—

 
—

Manufacturing
 
253

 
253

 
—

 
—

 
—

 
—

Healthcare
 
640

 
640

 
—

 
—

 
—

 
—

Other commercial and industrial
 
516

 
63

 
453

 
—

 
—

 
57

Total commercial
 
14,732

 
11,236

 
3,496

 
—

 
500

 
557

 
 
 
 
 
 
 
 
 
 
 
 
 
Commercial real estate:
 
 

 
 

 
 

 
 

 
 

 
 

Residential construction and land development
 
1,601

 
1,079

 
522

 
—

 
—

 
—

Retail
 
1,264

 
907

 
357

 
—

 
—

 
—

Office
 
152

 
152

 
—

 
—

 
—

 
—

Multifamily
 
—

 
—

 
—

 
—

 
—

 
—

Industrial
 
—

 
—

 
—

 
—

 
—

 
—

Other real estate loans
 
793

 
372

 
421

 
—

 
—

 
—

Total commercial real estate
 
3,810

 
2,510

 
1,300

 
—

 
—

 
—

 
 
 
 
 
 
 
 
 
 
 
 
 
Residential mortgage:
 
 

 
 

 
 

 
 

 
 

 
 

Permanent mortgage
 
17,367

 
12,462

 
4,905

 
64

 
37

 
52

Permanent mortgage guaranteed by U.S. government agencies
 
9,709

 
2,024

 
7,685

 
—

 
—

 
—

Home equity
 
4,763

 
4,139

 
624

 
—

 
60

 
126

Total residential mortgage
 
31,839

 
18,625

 
13,214

 
64

 
97

 
178

 
 
 
 
 
 
 
 
 
 
 
 
 
Personal
 
298

 
276

 
22

 
—

 
3

 
9

 
 
 
 
 
 
 
 
 
 
 
 
 
Total nonaccruing TDRs
 
$
50,679

 
$
32,647

 
$
18,032

 
$
64

 
$
600

 
$
744

 
 
 
 
 
 
 
 
 
 
 
 
 
Accruing TDRs:
 
 
 
 
 
 
 
 
 
 
 
 
Permanent mortgages guaranteed by U.S. government agencies
 
78,806

 
27,999

 
50,807

 
—

 
—

 
—

 
 
 
 
 
 
 
 
 
 
 
 
 
Total TDRs
 
$
129,485

 
$
60,646

 
$
68,839

 
$
64

 
$
600

 
$
744

A summary of troubled debt restructurings by accruing status as of December 31, 2015 is as follows (in thousands):
 
 
As of
 
 
December 31, 2015
 
 
Recorded
Investment
 
Performing in Accordance With Modified Terms
 
Not
Performing in Accordance With Modified Terms
 
Specific
Allowance
Nonaccruing TDRs:
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Commercial:
 
 
 
 
 
 
 
 
Energy
 
$
2,304

 
$
2,304

 
$
—

 
$
—

Services
 
9,027

 
8,210

 
817

 
148

Wholesale/retail
 
2,758

 
2,706

 
52

 
9

Manufacturing
 
282

 
282

 
—

 
—

Healthcare
 
673

 
673

 
—

 
—

Other commercial and industrial
 
621

 
89

 
532

 
—

Total commercial
 
15,665

 
14,264

 
1,401

 
157

 
 
 
 
 
 
 
 
 
Commercial real estate:
 
 

 
 

 
 

 
 

Residential construction and land development
 
2,328

 
1,556

 
772

 
—

Retail
 
1,319

 
942

 
377

 
—

Office
 
165

 
165

 
—

 
—

Multifamily
 
—

 
—

 
—

 
—

Industrial
 
—

 
—

 
—

 
—

Other real estate loans
 
920

 
478

 
442

 
—

Total commercial real estate
 
4,732

 
3,141

 
1,591

 
—

 
 
 
 
 
 
 
 
 
Residential mortgage:
 
 

 
 

 
 

 
 

Permanent mortgage
 
16,618

 
9,043

 
7,575

 
68

Permanent mortgage guaranteed by U.S. government agencies
 
11,136

 
139

 
10,997

 
—

Home equity
 
5,159

 
4,218

 
941

 
—

Total residential mortgage
 
32,913

 
13,400

 
19,513

 
68

 
 
 
 
 
 
 
 
 
Personal
 
324

 
297

 
27

 
—

 
 
 
 
 
 
 
 
 
Total nonaccuring TDRs
 
$
53,634

 
$
31,102

 
$
22,532

 
$
225

 
 
 
 
 
 
 
 
 
Accruing TDRs:
 
 
 
 
 
 
 
 
Permanent mortgages guaranteed by U.S. government agencies
 
74,050

 
23,029

 
51,021

 
—

 
 
 
 
 
 
 
 
 
Total TDRs
 
$
127,684

 
$
54,131

 
$
73,553

 
$
225


A summary of troubled debt restructurings by accruing status as of June 30, 2015 is as follows (in thousands):
 
 
As of June 30, 2015
 
Amounts Charged Off During
 
 
Recorded
Investment
 
Performing in Accordance With Modified Terms
 
Not
Performing in Accordance With Modified Terms
 
Specific
Allowance
 
Three Months Ended
June 30, 2015
 
Six Months Ended
June 30, 2015
Nonaccruing TDRs:
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Commercial:
 
 
 
 
 
 
 
 
 
 
 
 
Energy
 
$
1,176

 
$
1,176

 
$
—

 
$
—

 
$
—

 
$
—

Services
 
9,541

 
8,641

 
900

 
148

 
—

 
—

Wholesale/retail
 
3,064

 
2,984

 
80

 
9

 
—

 
—

Manufacturing
 
311

 
311

 
—

 
—

 
—

 
—

Healthcare
 
706

 
706

 
—

 
—

 
—

 
—

Other commercial and industrial
 
613

 
81

 
532

 
—

 
—

 
—

Total commercial
 
15,411

 
13,899

 
1,512

 
157

 
—

 
—

 
 
 
 
 
 
 
 
 
 
 
 
 
Commercial real estate:
 
 

 
 

 
 

 
 

 
 

 
 

Residential construction and land development
 
7,027

 
4,790

 
2,237

 
—

 
—

 
—

Retail
 
3,524

 
977

 
2,547

 
—

 
—

 
—

Office
 
1,360

 
—

 
1,360

 
—

 
—

 
—

Multifamily
 
—

 
—

 
—

 
—

 
—

 
—

Industrial
 
—

 
—

 
—

 
—

 
—

 
—

Other real estate loans
 
1,376

 
1,376

 
—

 
—

 
—

 
—

Total commercial real estate
 
13,287

 
7,143

 
6,144

 
—

 
—

 
—

 
 
 
 
 
 
 
 
 
 
 
 
 
Residential mortgage:
 
 

 
 

 
 

 
 

 
 

 
 

Permanent mortgage
 
15,671

 
10,326

 
5,345

 
100

 
2

 
3

Permanent mortgage guaranteed by U.S. government agencies
 
2,058

 
141

 
1,917

 
—

 
—

 
—

Home equity
 
5,318

 
4,549

 
769

 
—

 
48

 
58

Total residential mortgage
 
23,047

 
15,016

 
8,031

 
100

 
50

 
61

 
 
 
 
 
 
 
 
 
 
 
 
 
Personal
 
420

 
266

 
154

 
—

 
2

 
2

 
 
 
 
 
 
 
 
 
 
 
 
 
Total nonaccruing TDRs
 
$
52,165

 
$
36,324

 
$
15,841

 
$
257

 
$
52

 
$
63

 
 
 
 
 
 
 
 
 
 
 
 
 
Accruing TDRs:
 
 
 
 
 
 
 
 
 
 
 
 
Permanent mortgages guaranteed by U.S. government agencies
 
82,368

 
27,032

 
55,336

 
—

 
—

 
—

 
 
 
 
 
 
 
 
 
 
 
 
 
Total TDRs
 
$
134,533

 
$
63,356

 
$
71,177

 
$
257

 
$
52

 
$
63

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 June 30, 2016 by class that were restructured during the three months ended June 30, 2016 by primary type of concession (in thousands):

 
Three Months Ended
June 30, 2016
 
Accruing
 
Nonaccrual
 
Total
 
 
Payment Stream
 
Combination & Other
 
Total
 
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
 
—

 
—

 
—

 
684

 
1,183

 
1,867

 
1,867

Permanent mortgage guaranteed by U.S. government agencies
 
2,783

 
4,455

 
7,238

 
—

 
625

 
625

 
7,863

Home equity
 
—

 
—

 
—

 
48

 
329

 
377

 
377

Total residential mortgage
 
2,783

 
4,455

 
7,238

 
732

 
2,137

 
2,869

 
10,107

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Personal
 
—

 
—

 
—

 
—

 
65

 
65

 
65

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Total
 
$
2,783

 
$
4,455

 
$
7,238

 
$
732

 
$
2,202

 
$
2,934

 
$
10,172



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 June 30, 2016 by class that were restructured during the six months ended June 30, 2016 by primary type of concession (in thousands):

 
Six Months Ended
June 30, 2016
 
Accruing
 
Nonaccrual
 
Total
 
 
Payment Stream
 
Combination & Other
 
Total
 
Payment Stream
 
Combination & Other
 
Total
 
Commercial:
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Energy
 
$
—

 
$
—

 
$
—

 
$
501

 
$
—

 
$
501

 
$
501

Services
 
—

 
—

 
—

 
—

 
—

 
—

 
—

Wholesale/retail
 
—

 
—

 
—

 
—

 
—

 
—

 
—

Manufacturing
 
—

 
—

 
—

 
—

 
—

 
—

 
—

Healthcare
 
—

 
—

 
—

 
—

 
—

 
—

 
—

Other commercial and industrial
 
—

 
—

 
—

 
—

 
—

 
—

 
—

Total commercial
 
—

 
—

 
—

 
501

 
—

 
501

 
501

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Commercial real estate:
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Residential construction and land development
 
—

 
—

 
—

 
—

 
—

 
—

 
—

Retail
 
—

 
—

 
—

 
—

 
—

 
—

 
—

Office
 
—

 
—

 
—

 
—

 
—

 
—

 
—

Multifamily
 
—

 
—

 
—

 
—

 
—

 
—

 
—

Industrial
 
—

 
—

 
—

 
—

 
—

 
—

 
—

Other real estate loans
 
—

 
—

 
—

 
—

 
—

 
—

 
—

Total commercial real estate
 
—

 
—

 
—

 
—

 
—

 
—

 
—

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Residential mortgage:
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Permanent mortgage
 
—

 
—

 
—

 
1,046

 
1,244

 
2,290

 
2,290

Permanent mortgage guaranteed by U.S. government agencies
 
6,625

 
7,818

 
14,443

 
—

 
625

 
625

 
15,068

Home equity
 
—

 
—

 
—

 
48

 
791

 
839

 
839

Total residential mortgage
 
6,625

 
7,818

 
14,443

 
1,094

 
2,660

 
3,754

 
18,197

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Personal
 
—

 
—

 
—

 
—

 
72

 
72

 
72

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Total
 
$
6,625

 
$
7,818

 
$
14,443

 
$
1,595

 
$
2,732

 
$
4,327

 
$
18,770


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 three months ended June 30, 2015 by primary type of concession (in thousands):

 
Three Months Ended
June 30, 2015
 
Accruing
 
Nonaccrual
 
Total
 
Payment Stream
 
Combination & Other
 
Total
 
Interest Rate
 
Payment Stream
 
Combination & Other
 
Total
 
Commercial:
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Energy
$
—

 
$
—

 
$
—

 
$
—

 
$
1,176

 
$
—

 
$
1,176

 
$
1,176

Services
—

 
—

 
—

 
—

 
—

 
7,972

 
7,972

 
7,972

Wholesale/retail
—

 
—

 
—

 
—

 
—

 
—

 
—

 
—

Manufacturing
—

 
—

 
—

 
—

 
—

 
—

 
—

 
—

Healthcare
—

 
—

 
—

 
706

 
—

 
—

 
706

 
706

Other commercial and industrial
—

 
—

 
—

 
—

 
—

 
—

 
—

 
—

Total commercial
—

 
—

 
—

 
706

 
1,176

 
7,972

 
9,854

 
9,854

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Commercial real estate:
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Residential construction and land development
—

 
—

 
—

 
—

 
—

 
—

 
—

 
—

Retail
—

 
—

 
—

 
—

 
—

 
—

 
—

 
—

Office
—

 
—

 
—

 
—

 
—

 
—

 
—

 
—

Multifamily
—

 
—

 
—

 
—

 
—

 
—

 
—

 
—

Industrial
—

 
—

 
—

 
—

 
—

 
—

 
—

 
—

Other real estate loans
—

 
—

 
—

 
—

 
—

 
—

 
—

 
—

Total commercial real estate
—

 
—

 
—

 
—

 
—

 
—

 
—

 
—

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Residential mortgage:
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Permanent mortgage
—

 
—

 
—

 
—

 
57

 
475

 
532

 
532

Permanent mortgage guaranteed by U.S. government agencies
5,532

 
7,404

 
12,936

 
—

 
—

 
—

 
—

 
12,936

Home equity
—

 
—

 
—

 
—

 
—

 
578

 
578

 
578

Total residential mortgage
5,532

 
7,404

 
12,936

 
—

 
57

 
1,053

 
1,110

 
14,046

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Personal
—

 
—

 
—

 
—

 
—

 
89

 
89

 
89

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Total
$
5,532

 
$
7,404

 
$
12,936

 
$
706

 
$
1,233

 
$
9,114

 
$
11,053

 
$
23,989



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 six months ended June 30, 2015 by primary type of concession (in thousands):
 
Six Months Ended
June 30, 2015
 
Accruing
 
Nonaccrual
 
Total
 
Payment Stream
 
Combination & Other
 
Total
 
Interest Rate
 
Payment Stream
 
Combination & Other
 
Total
 
Commercial:
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Energy
$
—

 
$
—

 
$
—

 
$
—

 
$
1,176

 
$
—

 
$
1,176

 
$
1,176

Services
—

 
—

 
—

 
—

 
—

 
7,972

 
7,972

 
7,972

Wholesale/retail
—

 
—

 
—

 
—

 
—

 
—

 
—

 
—

Manufacturing
—

 
—

 
—

 
—

 
—

 
—

 
—

 
—

Healthcare
—

 
—

 
—

 
706

 
—

 
—

 
706

 
706

Other commercial and industrial
—

 
—

 
—

 
—

 
—

 
—

 
—

 
—

Total commercial
—

 
—

 
—

 
706

 
1,176

 
7,972

 
9,854

 
9,854

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Commercial real estate:
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Residential construction and land development
—

 
—

 
—

 
—

 
4,581

 
—

 
4,581

 
4,581

Retail
—

 
—

 
—

 
—

 
—

 
—

 
—

 
—

Office
—

 
—

 
—

 
—

 
—

 
—

 
—

 
—

Multifamily
—

 
—

 
—

 
—

 
—

 
—

 
—

 
—

Industrial
—

 
—

 
—

 
—

 
—

 
—

 
—

 
—

Other real estate loans
—

 
—

 
—

 
—

 
—

 
—

 
—

 
—

Total commercial real estate
—

 
—

 
—

 
—

 
4,581

 
—

 
4,581

 
4,581

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Residential mortgage:
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Permanent mortgage
—

 
—

 
—

 
—

 
707

 
1,091

 
1,798

 
1,798

Permanent mortgage guaranteed by U.S. government agencies
11,904

 
11,215

 
23,119

 
—

 
—

 
843

 
843

 
23,962

Home equity
—

 
—

 
—

 
61

 
149

 
1,182

 
1,392

 
1,392

Total residential mortgage
11,904

 
11,215

 
23,119

 
61

 
856

 
3,116

 
4,033

 
27,152

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Personal
—

 
—

 
—

 
—

 
—

 
121

 
121

 
121

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Total
$
11,904

 
$
11,215

 
$
23,119

 
$
767

 
$
6,613

 
$
11,209

 
$
18,589

 
$
41,708


The following table summarizes, by loan class, the recorded investment at June 30, 2016 and 2015, respectively, of loans modified as TDRs within the previous 12 months and for which there was a payment default during the three months ended June 30, 2016 and 2015, respectively (in thousands):

 
Three Months Ended
June 30, 2016
 
Six Months Ended
June 30, 2016
 
Accruing
 
Nonaccrual
 
Total
 
Accruing
 
Nonaccrual
 
Total
Commercial:
 
 
 
 
 
 
 
 
 
 
 
Energy
$
—

 
$
2,246

 
$
2,246

 
$
—

 
$
2,246

 
$
2,246

Services
—

 
—

 
—

 
—

 
—

 
—

Wholesale/retail
—

 
—

 
—

 
—

 
—

 
—

Manufacturing
—

 
—

 
—

 
—

 
—

 
—

Healthcare
—

 
—

 
—

 
—

 
—

 
—

Other commercial and industrial
—

 
—

 
—

 
—

 
—

 
—

Total commercial
—

 
2,246

 
2,246

 
—

 
2,246

 
2,246

 
 
 
 
 
 
 
 
 
 
 
 
Commercial real estate:
 
 
 
 
 
 
 
 
 
 
 
Residential construction and land development
—

 
—

 
—

 
—

 
—

 
—

Retail
—

 
—

 
—

 
—

 
—

 
—

Office
—

 
—

 
—

 
—

 
—

 
—

Multifamily
—

 
—

 
—

 
—

 
—

 
—

Industrial
—

 
—

 
—

 
—

 
—

 
—

Other real estate loans
—

 
—

 
—

 
—

 
—

 
—

Total commercial real estate
—

 
—

 
—

 
—

 
—

 
—

 
 
 
 
 
 
 
 
 
 
 
 
Residential mortgage:
 
 
 
 
 
 
 
 
 
 
 
Permanent mortgage
—

 
788

 
788

 
—

 
1,806

 
1,806

Permanent mortgage guaranteed by U.S. government agencies
18,893

 
1,006

 
19,899

 
20,621

 
1,006

 
21,627

Home equity
—

 
232

 
232

 
—

 
232

 
232

Total residential mortgage
18,893

 
2,026

 
20,919

 
20,621

 
3,044

 
23,665

 
 
 
 
 
 
 
 
 
 
 
 
Personal
—

 
—

 
—

 
—

 
—

 
—

 
 
 
 
 
 
 
 
 
 
 
 
Total
$
18,893

 
$
4,272

 
$
23,165

 
$
20,621

 
$
5,290

 
$
25,911


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.
 
Three Months Ended
June 30, 2015
 
Six Months Ended
June 30, 2015
 
Accruing
 
Nonaccrual
 
Total
 
Accruing
 
Nonaccrual
 
Total
Commercial:
 
 
 
 
 
 
 
 
 
 
 
Energy
$
—

 
$
—

 
$
—

 
$
—

 
$
—

 
$
—

Services
—

 
—

 
—

 
—

 
—

 
—

Wholesale/retail
—

 
—

 
—

 
—

 
—

 
—

Manufacturing
—

 
—

 
—

 
—

 
—

 
—

Healthcare
—

 
—

 
—

 
—

 
—

 
—

Other commercial and industrial
—

 
—

 
—

 
—

 
—

 
—

Total commercial
—

 
—

 
—

 
—

 
—

 
—

 
 
 
 
 
 
 
 
 
 
 
 
Commercial real estate:
 
 
 
 
 
 
 
 
 
 
 
Residential construction and land development
—

 
—

 
—

 
—

 
337

 
337

Retail
—

 
—

 
—

 
—

 
—

 
—

Office
—

 
—

 
—

 
—

 
—

 
—

Multifamily
—

 
—

 
—

 
—

 
—

 
—

Industrial
—

 
—

 
—

 
—

 
—

 
—

Other real estate loans
—

 
—

 
—

 
—

 
—

 
—

Total commercial real estate
—

 
—

 
—

 
—

 
337

 
337

 
 
 
 
 
 
 
 
 
 
 
 
Residential mortgage:
 
 
 
 
 
 
 
 
 
 
 
Permanent mortgage
—

 
1,341

 
1,341

 
—

 
1,796

 
1,796

Permanent mortgage guaranteed by U.S. government agencies
29,741

 
1,112

 
30,853

 
31,715

 
1,252

 
32,967

Home equity
—

 
479

 
479

 
—

 
503

 
503

Total residential mortgage
29,741

 
2,932

 
32,673

 
31,715

 
3,551

 
35,266

 
 
 
 
 
 
 
 
 
 
 
 
Personal
—

 
30

 
30

 
—

 
30

 
30

 
 
 
 
 
 
 
 
 
 
 
 
Total
$
29,741

 
$
2,962

 
$
32,703

 
$
31,715

 
$
3,918

 
$
35,633
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 June 30, 2016 is as follows (in thousands):
 
 
 
 
Past Due
 
 
 
 
 
 
Current
 
30 to 89
Days
 
90 Days
or More
 
Nonaccrual
 
Total
Commercial:
 
 
 
 
 
 
 
 
 
 
Energy
 
$
2,647,678

 
$
—

 
$
2,833

 
$
168,145

 
$
2,818,656

Services
 
2,817,217

 
4,259

 
—

 
9,388

 
2,830,864

Wholesale/retail
 
1,530,110

 
75

 
—

 
2,772

 
1,532,957

Manufacturing
 
595,110

 
—

 
—

 
293

 
595,403

Healthcare
 
2,050,271

 
—

 
—

 
875

 
2,051,146

Other commercial and industrial
 
526,691

 
158

 
46

 
516

 
527,411

Total commercial
 
10,167,077

 
4,492

 
2,879

 
181,989

 
10,356,437

 
 
 
 
 
 
 
 
 
 
 
Commercial real estate:
 
 

 
 

 
 

 
 

 
 

Residential construction and land development
 
153,315

 
—

 
—

 
4,261

 
157,576

Retail
 
794,154

 
—

 
—

 
1,265

 
795,419

Office
 
768,506

 
—

 
—

 
606

 
769,112

Multifamily
 
784,826

 
2,309

 
—

 
65

 
787,200

Industrial
 
645,510

 
—

 
—

 
76

 
645,586

Other real estate loans
 
425,566

 
—

 
—

 
1,507

 
427,073

Total commercial real estate
 
3,571,877

 
2,309

 
—

 
7,780

 
3,581,966

 
 
 
 
 
 
 
 
 
 
 
Residential mortgage:
 
 

 
 

 
 

 
 

 
 

Permanent mortgage
 
935,857

 
5,922

 
—

 
27,228

 
969,007

Permanent mortgages guaranteed by U.S. government agencies
 
42,019

 
27,218

 
103,754

 
19,741

 
192,732

Home equity
 
707,024

 
2,048

 
20

 
10,092

 
719,184

Total residential mortgage
 
1,684,900

 
35,188

 
103,774

 
57,061

 
1,880,923

 
 
 
 
 
 
 
 
 
 
 
Personal
 
586,611

 
458

 
—

 
354

 
587,423

 
 
 
 
 
 
 
 
 
 
 
Total
 
$
16,010,465

 
$
42,447

 
$
106,653

 
$
247,184

 
$
16,406,749


A summary of loans currently performing, loans past due and accruing and nonaccrual loans as of December 31, 2015 is as follows (in thousands):

 
 
 
 
Past Due
 
 
 
 
 
 
Current
 
30 to 89
Days
 
90 Days
or More
 
Nonaccrual
 
Total
Commercial:
 
 
 
 
 
 
 
 
 
 
Energy
 
$
3,033,504

 
$
2,635

 
$
—

 
$
61,189

 
$
3,097,328

Services
 
2,769,895

 
4,091

 
—

 
10,290

 
2,784,276

Wholesale/retail
 
1,418,396

 
49

 
700

 
2,919

 
1,422,064

Manufacturing
 
556,398

 
—

 
—

 
331

 
556,729

Healthcare
 
1,879,873

 
2,435

 
—

 
1,072

 
1,883,380

Other commercial and industrial
 
507,929

 
100

 
102

 
623

 
508,754

Total commercial
 
10,165,995

 
9,310

 
802

 
76,424

 
10,252,531

 
 
 
 
 
 
 
 
 
 
 
Commercial real estate:
 
 

 
 

 
 

 
 

 
 

Residential construction and land development
 
156,017

 
—

 
—

 
4,409

 
160,426

Retail
 
795,180

 
—

 
—

 
1,319

 
796,499

Office
 
637,056

 
—

 
—

 
651

 
637,707

Multifamily
 
742,697

 
8,114

 
—

 
274

 
751,085

Industrial
 
563,093

 
—

 
—

 
76

 
563,169

Other real estate loans
 
347,498

 
—

 
377

 
2,272

 
350,147

Total commercial real estate
 
3,241,541

 
8,114

 
377

 
9,001

 
3,259,033

 
 
 
 
 
 
 
 
 
 
 
Residential mortgage:
 
 

 
 

 
 

 
 

 
 

Permanent mortgage
 
913,062

 
3,290

 
—

 
28,984

 
945,336

Permanent mortgages guaranteed by U.S. government agencies
 
33,653

 
30,383

 
111,001

 
21,900

 
196,937

Home equity
 
721,149

 
3,095

 
20

 
10,356

 
734,620

Total residential mortgage
 
1,667,864

 
36,768

 
111,021

 
61,240

 
1,876,893

 
 
 
 
 
 
 
 
 
 
 
Personal
 
551,533

 
693

 
8

 
463

 
552,697

 
 
 
 
 
 
 
 
 
 
 
Total
 
$
15,626,933

 
$
54,885

 
$
112,208

 
$
147,128

 
$
15,941,154


A summary of loans currently performing, loans past due and accruing and nonaccrual loans as of June 30, 2015 is as follows (in thousands):

 
 
 
 
Past Due
 
 
 
 
 
 
Current
 
30 to 89
Days
 
90 Days
or More
 
Nonaccrual
 
Total
Commercial:
 
 
 
 
 
 
 
 
 
 
Energy
 
$
2,895,302

 
$
—

 
$
—

 
$
6,841

 
$
2,902,143

Services
 
2,665,133

 
5,049

 
—

 
10,944

 
2,681,126

Wholesale/retail
 
1,529,477

 
87

 
—

 
4,166

 
1,533,730

Manufacturing
 
579,170

 
—

 
—

 
379

 
579,549

Healthcare
 
1,644,747

 
—

 
—

 
1,278

 
1,646,025

Other commercial and industrial
 
432,159

 
364

 
—

 
625

 
433,148

Total commercial
 
9,745,988

 
5,500

 
—

 
24,233

 
9,775,721

 
 
 
 
 
 
 
 
 
 
 
Commercial real estate:
 
 

 
 

 
 

 
 

 
 

Residential construction and land development
 
139,207

 
—

 
—

 
9,367

 
148,574

Retail
 
684,621

 
—

 
—

 
3,826

 
688,447

Office
 
560,725

 
—

 
—

 
2,360

 
563,085

Multifamily
 
710,486

 
652

 
—

 
195

 
711,333

Industrial
 
487,978

 
—

 
—

 
76

 
488,054

Other real estate loans
 
429,689

 
—

 
—

 
4,315

 
434,004

Total commercial real estate
 
3,012,706

 
652

 
—

 
20,139

 
3,033,497

 
 
 
 
 
 
 
 
 
 
 
Residential mortgage:
 
 

 
 

 
 

 
 

 
 

Permanent mortgage
 
907,860

 
6,277

 
—

 
32,187

 
946,324

Permanent mortgages guaranteed by U.S. government agencies
 
38,524

 
24,660

 
123,938

 
3,717

 
190,839

Home equity
 
734,837

 
2,564

 
99

 
10,065

 
747,565

Total residential mortgage
 
1,681,221

 
33,501

 
124,037

 
45,969

 
1,884,728

 
 
 
 
 
 
 
 
 
 
 
Personal
 
429,214

 
426

 
—

 
550

 
430,190

 
 
 
 
 
 
 
 
 
 
 
Total
 
$
14,869,129

 
$
40,079

 
$
124,037

 
$
90,891

 
$
15,124,136