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Loans and Allowances for Credit Losses (Tables)
 9 Months Ended
Sep. 30, 2017
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, 2017
 
December 31, 2016
 
 
Fixed
Rate
 
Variable
Rate
 
Non-accrual
 
Total
 
Fixed
Rate
 
Variable
Rate
 
Non-accrual
 
Total
Commercial
 
$
2,225,470

 
$
8,393,564

 
$
176,900

 
$
10,795,934

 
$
2,327,085

 
$
7,884,786

 
$
178,953

 
$
10,390,824

Commercial real estate
 
564,681

 
2,950,486

 
2,975

 
3,518,142

 
624,187

 
3,179,338

 
5,521

 
3,809,046

Residential mortgage
 
1,589,013

 
311,231

 
45,506

 
1,945,750

 
1,647,357

 
256,255

 
46,220

 
1,949,832

Personal
 
153,750

 
793,003

 
255

 
947,008

 
154,971

 
684,697

 
290

 
839,958

Total
 
$
4,532,914

 
$
12,448,284

 
$
225,636

 
$
17,206,834

 
$
4,753,600

 
$
12,005,076

 
$
230,984

 
$
16,989,660

Accruing loans past due (90 days)1
 
 

 
 

 
 

 
$
253

 
 

 
 

 
 

 
$
5

 
 
September 30, 2016
 
 
Fixed
Rate
 
Variable
Rate
 
Non-accrual
 
Total
Commercial
 
$
1,991,423

 
$
7,952,276

 
$
176,464

 
$
10,120,163

Commercial real estate
 
565,429

 
3,220,819

 
7,350

 
3,793,598

Residential mortgage
 
1,572,288

 
248,053

 
52,452

 
1,872,793

Personal
 
104,408

 
573,138

 
686

 
678,232

Total
 
$
4,233,548

 
$
11,994,286

 
$
236,952

 
$
16,464,786

Accruing loans past due (90 days)1
 
 

 
 

 
 

 
$
3,839

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, 2017 is summarized as follows (in thousands):
 
 
Commercial
 
Commercial Real Estate
 
Residential Mortgage
 
Personal
 
Nonspecific Allowance
 
Total
Allowance for loan losses:
 
 
 
 
 
 
 
 
 
 
 
 
Beginning balance
 
$
137,742

 
$
58,580

 
$
18,259

 
$
8,106

 
$
27,374

 
$
250,061

Provision for loan losses
 
2,474

 
(2,914
)
 
168

 
598

 
704

 
1,030

Loans charged off
 
(4,429
)
 
—

 
(168
)
 
(1,228
)
 
—

 
(5,825
)
Recoveries
 
1,014

 
739

 
134

 
550

 
—

 
2,437

Ending balance
 
$
136,801

 
$
56,405

 
$
18,393

 
$
8,026

 
$
28,078

 
$
247,703

Allowance for off-balance sheet credit losses:
 
 

 
 

 
 

 
 

 
 

 
 

Beginning balance
 
$
6,301

 
$
84

 
$
38

 
$
8

 
$
—

 
$
6,431

Provision for off-balance sheet credit losses
 
(976
)
 
(49
)
 
1

 
(6
)
 
—

 
(1,030
)
Ending balance
 
$
5,325

 
$
35

 
$
39

 
$
2

 
$
—

 
$
5,401

 
 
 
 
 
 
 
 
 
 
 
 
 
Total provision for credit losses
 
$
1,498

 
$
(2,963
)
 
$
169

 
$
592

 
$
704

 
$
—


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, 2017 is summarized as follows (in thousands):
 
 
Commercial
 
Commercial Real Estate
 
Residential Mortgage
 
Personal
 
Nonspecific Allowance
 
Total
Allowance for loan losses:
 
 
 
 
 
 
 
 
 
 
 
 
Beginning balance
 
$
140,213

 
$
50,749

 
$
18,224

 
$
8,773

 
$
28,200

 
$
246,159

Provision for loan losses
 
665

 
4,050

 
82

 
1,168

 
(122
)
 
5,843

Loans charged off
 
(6,556
)
 
(76
)
 
(444
)
 
(3,774
)
 
—

 
(10,850
)
Recoveries
 
2,479

 
1,682

 
531

 
1,859

 
—

 
6,551

Ending balance
 
$
136,801

 
$
56,405

 
$
18,393

 
$
8,026

 
$
28,078

 
$
247,703

Allowance for off-balance sheet credit losses:
 
 

 
 

 
 

 
 

 
 

 
 

Beginning balance
 
$
11,063

 
$
123

 
$
50

 
$
8

 
$
—

 
$
11,244

Provision for off-balance sheet credit losses
 
(5,738
)
 
(88
)
 
(11
)
 
(6
)
 
—

 
(5,843
)
Ending balance
 
$
5,325

 
$
35

 
$
39

 
$
2

 
$
—

 
$
5,401

 
 
 
 
 
 
 
 
 
 
 
 
 
Total provision for credit losses
 
$
(5,073
)
 
$
3,962

 
$
71

 
$
1,162

 
$
(122
)
 
$
—


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, 2016 is summarized as follows (in thousands):
 
 
Commercial
 
Commercial Real Estate
 
Residential Mortgage
 
Personal
 
Nonspecific Allowance
 
Total
Allowance for loan losses:
 
 
 
 
 
 
 
 
 
 
 
 
Beginning balance
 
$
145,139

 
$
46,745

 
$
18,690

 
$
6,001

 
$
26,684

 
$
243,259

Provision for loan losses
 
2,420

 
2,551

 
(466
)
 
1,900

 
1,502

 
7,907

Loans charged off
 
(6,266
)
 
—

 
(285
)
 
(1,550
)
 
—

 
(8,101
)
Recoveries
 
177

 
521

 
650

 
690

 
—

 
2,038

Ending balance
 
$
141,470

 
$
49,817

 
$
18,589

 
$
7,041

 
$
28,186

 
$
245,103

Allowance for off-balance sheet credit losses:
 
 

 
 

 
 

 
 

 
 

 
 

Beginning balance
 
$
8,752

 
$
203

 
$
62

 
$
28

 
$
—

 
$
9,045

Provision for off-balance sheet credit losses
 
2,170

 
(53
)
 
(7
)
 
(17
)
 
—

 
2,093

Ending balance
 
$
10,922

 
$
150

 
$
55

 
$
11

 
$
—

 
$
11,138

 
 
 
 
 
 
 
 
 
 
 
 
 
Total provision for credit losses
 
$
4,590

 
$
2,498

 
$
(473
)
 
$
1,883

 
$
1,502

 
$
10,000


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 nine months ended September 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
 
45,995

 
7,538

 
(829
)
 
4,809

 
(1,940
)
 
55,573

Loans charged off
 
(35,747
)
 
—

 
(1,104
)
 
(4,086
)
 
—

 
(40,937
)
Recoveries
 
888

 
888

 
1,013

 
2,154

 
—

 
4,943

Ending balance
 
$
141,470

 
$
49,817

 
$
18,589

 
$
7,041

 
$
28,186

 
$
245,103

Allowance for off-balance sheet credit losses:
 
 

 
 

 
 

 
 

 
 

 
 

Beginning balance
 
$
1,506

 
$
153

 
$
30

 
$
22

 
$
—

 
$
1,711

Provision for off-balance sheet credit losses
 
9,416

 
(3
)
 
25

 
(11
)
 
—

 
9,427

Ending balance
 
$
10,922

 
$
150

 
$
55

 
$
11

 
$
—

 
$
11,138

 
 
 
 
 
 
 
 
 
 
 
 
 
Total provision for credit losses
 
$
55,411

 
$
7,535

 
$
(804
)
 
$
4,798

 
$
(1,940
)
 
$
65,000



The allowance for loan losses and recorded investment of the related loans by portfolio segment for each impairment measurement method at September 30, 2017 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
 
$
10,619,034

 
$
123,517

 
$
176,900

 
$
13,284

 
$
10,795,934

 
$
136,801

Commercial real estate
 
3,515,167

 
56,405

 
2,975

 
—

 
3,518,142

 
56,405

Residential mortgage
 
1,900,244

 
18,393

 
45,506

 
—

 
1,945,750

 
18,393

Personal
 
946,753

 
8,026

 
255

 
—

 
947,008

 
8,026

Total
 
16,981,198

 
206,341

 
225,636

 
13,284

 
17,206,834

 
219,625

 
 
 
 
 
 
 
 
 
 
 
 
 
Nonspecific allowance
 
—

 
—

 
—

 
—

 
—

 
28,078

 
 
 
 
 
 
 
 
 
 
 
 
 
Total
 
$
16,981,198

 
$
206,341

 
$
225,636

 
$
13,284

 
$
17,206,834

 
$
247,703


The allowance for loan losses and recorded investment of the related loans by portfolio segment for each impairment measurement method at December 31, 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
 
$
10,211,871

 
$
139,416

 
$
178,953

 
$
797

 
$
10,390,824

 
$
140,213

Commercial real estate
 
3,803,525

 
50,749

 
5,521

 
—

 
3,809,046

 
50,749

Residential mortgage
 
1,903,612

 
18,178

 
46,220

 
46

 
1,949,832

 
18,224

Personal
 
839,668

 
8,773

 
290

 
—

 
839,958

 
8,773

Total
 
16,758,676

 
217,116

 
230,984

 
843

 
16,989,660

 
217,959

 
 
 
 
 
 
 
 
 
 
 
 
 
Nonspecific allowance
 
—

 
—

 
—

 
—

 
—

 
28,200

 
 
 
 
 
 
 
 
 
 
 
 
 
Total
 
$
16,758,676

 
$
217,116

 
$
230,984

 
$
843

 
$
16,989,660

 
$
246,159


The allowance for loan losses and recorded investment of the related loans by portfolio segment for each impairment measurement method at September 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
 
$
9,943,699

 
$
134,968

 
$
176,464

 
$
6,502

 
$
10,120,163

 
$
141,470

Commercial real estate
 
3,786,248

 
49,817

 
7,350

 
—

 
3,793,598

 
49,817

Residential mortgage
 
1,820,341

 
18,527

 
52,452

 
62

 
1,872,793

 
18,589

Personal
 
677,546

 
7,041

 
686

 
—

 
678,232

 
7,041

Total
 
16,227,834

 
210,353

 
236,952

 
6,564

 
16,464,786

 
216,917

 
 
 
 
 
 
 
 
 
 
 
 
 
Nonspecific allowance
 
—

 
—

 
—

 
—

 
—

 
28,186

 
 
 
 
 
 
 
 
 
 
 
 
 
Total
 
$
16,227,834

 
$
210,353

 
$
236,952

 
$
6,564

 
$
16,464,786

 
$
245,103
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, 2017 is as follows (in thousands):
 
 
Internally Risk Graded
 
Non-Graded
 
Total
 
 
Recorded Investment
 
Related Allowance
 
Recorded Investment
 
Related Allowance
 
Recorded Investment
 
Related
Allowance
Commercial
 
$
10,750,657

 
$
135,846

 
$
45,277

 
$
955

 
$
10,795,934

 
$
136,801

Commercial real estate
 
3,518,142

 
56,405

 
—

 
—

 
3,518,142

 
56,405

Residential mortgage
 
226,306

 
3,068

 
1,719,444

 
15,325

 
1,945,750

 
18,393

Personal
 
856,030

 
6,043

 
90,978

 
1,983

 
947,008

 
8,026

Total
 
15,351,135

 
201,362

 
1,855,699

 
18,263

 
17,206,834

 
219,625

 
 
 
 
 
 
 
 
 
 
 
 
 
Nonspecific allowance
 
—

 
—

 
—

 
—

 
—

 
28,078

 
 
 
 
 
 
 
 
 
 
 
 
 
Total
 
$
15,351,135

 
$
201,362

 
$
1,855,699

 
$
18,263

 
$
17,206,834

 
$
247,703

 
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, 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
 
$
10,360,725

 
$
139,293

 
$
30,099

 
$
920

 
$
10,390,824

 
$
140,213

Commercial real estate
 
3,809,046

 
50,749

 
—

 
—

 
3,809,046

 
50,749

Residential mortgage
 
243,703

 
2,893

 
1,706,129

 
15,331

 
1,949,832

 
18,224

Personal
 
744,602

 
5,035

 
95,356

 
3,738

 
839,958

 
8,773

Total
 
15,158,076

 
197,970

 
1,831,584

 
19,989

 
16,989,660

 
217,959

 
 
 
 
 
 
 
 
 
 
 
 
 
Nonspecific allowance
 
—

 
—

 
—

 
—

 
—

 
28,200

 
 
 
 
 
 
 
 
 
 
 
 
 
Total
 
$
15,158,076

 
$
197,970

 
$
1,831,584

 
$
19,989

 
$
16,989,660

 
$
246,159


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, 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
 
$
10,093,884

 
$
140,552

 
$
26,279

 
$
918

 
$
10,120,163

 
$
141,470

Commercial real estate
 
3,793,598

 
49,817

 
—

 
—

 
3,793,598

 
49,817

Residential mortgage
 
206,430

 
3,028

 
1,666,363

 
15,561

 
1,872,793

 
18,589

Personal
 
586,869

 
4,182

 
91,363

 
2,859

 
678,232

 
7,041

Total
 
14,680,781

 
197,579

 
1,784,005

 
19,338

 
16,464,786

 
216,917

 
 
 
 
 
 
 
 
 
 
 
 
 
Nonspecific allowance
 
—

 
—

 
—

 
—

 
—

 
28,186

 
 
 
 
 
 
 
 
 
 
 
 
 
Total
 
$
14,680,781

 
$
197,579

 
$
1,784,005

 
$
19,338

 
$
16,464,786

 
$
245,103
Schedule of Credit Quality Indicators [Table Text Block]
The following table summarizes the Company’s loan portfolio at September 30, 2017 by the risk grade categories (in thousands): 
 
 
Internally Risk Graded
 
Non-Graded
 
 
 
 
Performing
 
 
 
 
 
 
 
 
 
 
Pass
 
Other Loans Especially Mentioned
 
Accruing Substandard
 
Nonaccrual
 
Performing
 
Nonaccrual
 
Total
Commercial:
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Energy
 
$
2,436,465

 
$
114,065

 
$
206,768

 
$
110,683

 
$
—

 
$
—

 
$
2,867,981

Services
 
2,932,577

 
26,372

 
7,390

 
1,174

 
—

 
—

 
2,967,513

Wholesale/retail
 
1,637,698

 
9,021

 
9,486

 
1,893

 
—

 
—

 
1,658,098

Manufacturing
 
486,383

 
7,181

 
16,823

 
9,059

 
—

 
—

 
519,446

Healthcare
 
2,150,099

 
31,855

 
33,051

 
24,446

 
—

 
—

 
2,239,451

Other commercial and industrial
 
458,796

 
52

 
9,820

 
29,500

 
45,132

 
145

 
543,445

Total commercial
 
10,102,018

 
188,546

 
283,338

 
176,755

 
45,132

 
145

 
10,795,934

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Commercial real estate:
 
 

 
 
 
 

 
 

 
 

 
 

 
 

Residential construction and land development
 
110,178

 
—

 
—

 
1,924

 
—

 
—

 
112,102

Retail
 
724,887

 
689

 
—

 
289

 
—

 
—

 
725,865

Office
 
788,539

 
8,275

 
—

 
275

 
—

 
—

 
797,089

Multifamily
 
998,125

 
—

 
884

 
—

 
—

 
—

 
999,009

Industrial
 
591,080

 
—

 
—

 
—

 
—

 
—

 
591,080

Other commercial real estate
 
292,509

 
—

 
1

 
487

 
—

 
—

 
292,997

Total commercial real estate
 
3,505,318

 
8,964

 
885

 
2,975

 
—

 
—

 
3,518,142

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Residential mortgage:
 
 

 
 
 
 

 
 

 
 

 
 

 
 

Permanent mortgage
 
224,235

 
393

 
462

 
1,216

 
764,252

 
23,407

 
1,013,965

Permanent mortgages guaranteed by U.S. government agencies
 
—

 
—

 
—

 
—

 
178,479

 
8,891

 
187,370

Home equity
 
—

 
—

 
—

 
—

 
732,423

 
11,992

 
744,415

Total residential mortgage
 
224,235

 
393

 
462

 
1,216

 
1,675,154

 
44,290

 
1,945,750

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Personal
 
855,857

 
49

 
38

 
86

 
90,809

 
169

 
947,008

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Total
 
$
14,687,428

 
$
197,952

 
$
284,723

 
$
181,032

 
$
1,811,095

 
$
44,604

 
$
17,206,834



The following table summarizes the Company’s loan portfolio at December 31, 2016 by the risk grade categories (in thousands): 
 
 
Internally Risk Graded
 
Non-Graded
 
 
 
 
Performing
 
 
 
 
 
 
 
 
 
 
Pass
 
Other Loans Especially Mentioned
 
Accruing Substandard
 
Nonaccrual
 
Performing
 
Nonaccrual
 
Total
Commercial:
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Energy
 
$
1,937,790

 
$
119,583

 
$
307,996

 
$
132,499

 
$
—

 
$
—

 
$
2,497,868

Services
 
3,052,002

 
10,960

 
37,855

 
8,173

 
—

 
—

 
3,108,990

Wholesale/retail
 
1,535,463

 
16,886

 
13,062

 
11,407

 
—

 
—

 
1,576,818

Manufacturing
 
468,314

 
26,532

 
15,198

 
4,931

 
—

 
—

 
514,975

Healthcare
 
2,140,458

 
44,472

 
16,161

 
825

 
—

 
—

 
2,201,916

Other commercial and industrial
 
433,789

 
5,309

 
—

 
21,060

 
30,041

 
58

 
490,257

Total commercial
 
9,567,816

 
223,742

 
390,272

 
178,895

 
30,041

 
58

 
10,390,824

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Commercial real estate:
 
 

 
 
 
 

 
 

 
 

 
 

 
 

Residential construction and land development
 
131,630

 
—

 
470

 
3,433

 
—

 
—

 
135,533

Retail
 
756,418

 
4,745

 
399

 
326

 
—

 
—

 
761,888

Office
 
798,462

 
—

 
—

 
426

 
—

 
—

 
798,888

Multifamily
 
898,800

 
—

 
4,434

 
38

 
—

 
—

 
903,272

Industrial
 
871,673

 
—

 
—

 
76

 
—

 
—

 
871,749

Other commercial real estate
 
336,488

 
—

 
6

 
1,222

 
—

 
—

 
337,716

Total commercial real estate
 
3,793,471

 
4,745

 
5,309

 
5,521

 
—

 
—

 
3,809,046

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Residential mortgage:
 
 

 
 
 
 

 
 

 
 

 
 

 
 

Permanent mortgage
 
238,769

 
1,186

 
2,331

 
1,417

 
741,679

 
21,438

 
1,006,820

Permanent mortgages guaranteed by U.S. government agencies
 
—

 
—

 
—

 
—

 
187,541

 
11,846

 
199,387

Home equity
 
—

 
—

 
—

 
—

 
732,106

 
11,519

 
743,625

Total residential mortgage
 
238,769

 
1,186

 
2,331

 
1,417

 
1,661,326

 
44,803

 
1,949,832

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Personal
 
743,451

 
—

 
1,054

 
97

 
95,163

 
193

 
839,958

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Total
 
$
14,343,507

 
$
229,673

 
$
398,966

 
$
185,930

 
$
1,786,530

 
$
45,054

 
$
16,989,660


The following table summarizes the Company’s loan portfolio at September 30, 2016 by the risk grade categories (in thousands): 
 
 
Internally Risk Graded
 
Non-Graded
 
 
 
 
Performing
 
 
 
 
 
 
 
 
 
 
Pass
 
Other Loans Especially Mentioned
 
Accruing Substandard
 
Nonaccrual
 
Performing
 
Nonaccrual
 
Total
Commercial:
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Energy
 
$
1,869,598

 
$
147,153

 
$
361,087

 
$
142,966

 
$
—

 
$
—

 
$
2,520,804

Services
 
2,882,065

 
14,861

 
31,196

 
8,477

 
—

 
—

 
2,936,599

Wholesale/retail
 
1,557,067

 
15,337

 
27,173

 
2,453

 
—

 
—

 
1,602,030

Manufacturing
 
470,702

 
8,774

 
19,736

 
274

 
—

 
—

 
499,486

Healthcare
 
2,022,757

 
42,224

 
19,210

 
855

 
—

 
—

 
2,085,046

Other commercial and industrial
 
415,769

 
2,478

 
10,302

 
21,370

 
26,210

 
69

 
476,198

Total commercial
 
9,217,958

 
230,827

 
468,704

 
176,395

 
26,210

 
69

 
10,120,163

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Commercial real estate:
 
 

 
 
 
 

 
 

 
 

 
 

 
 

Residential construction and land development
 
155,737

 
—

 
470

 
3,739

 
—

 
—

 
159,946

Retail
 
794,920

 
4,802

 
406

 
1,249

 
—

 
—

 
801,377

Office
 
750,924

 
899

 
—

 
882

 
—

 
—

 
752,705

Multifamily
 
868,501

 
—

 
5,221

 
51

 
—

 
—

 
873,773

Industrial
 
837,945

 
—

 
—

 
76

 
—

 
—

 
838,021

Other commercial real estate
 
366,416

 
—

 
7

 
1,353

 
—

 
—

 
367,776

Total commercial real estate
 
3,774,443

 
5,701

 
6,104

 
7,350

 
—

 
—

 
3,793,598

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Residential mortgage:
 
 

 
 
 
 

 
 

 
 

 
 

 
 

Permanent mortgage
 
200,590

 
1,192

 
2,134

 
2,514

 
739,686

 
23,442

 
969,558

Permanent mortgages guaranteed by U.S. government agencies
 
—

 
—

 
—

 
—

 
174,877

 
15,432

 
190,309

Home equity
 
—

 
—

 
—

 
—

 
701,862

 
11,064

 
712,926

Total residential mortgage
 
200,590

 
1,192

 
2,134

 
2,514

 
1,616,425

 
49,938

 
1,872,793

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Personal
 
585,287

 
228

 
923

 
431

 
91,108

 
255

 
678,232

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Total
 
$
13,778,278

 
$
237,948

 
$
477,865

 
$
186,690

 
$
1,733,743

 
$
50,262

 
$
16,464,786
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, 2017
 
Three Months Ended
 
Nine Months Ended
 
 
 
Recorded Investment
 
 
 
September 30, 2017
 
September 30, 2017
 
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
$
133,643

 
$
110,683

 
$
45,169

 
$
65,514

 
$
4,944

 
$
117,338

 
$
—

 
$
121,591

 
$
—

Services
3,838

 
1,174

 
1,174

 
—

 
—

 
4,464

 
—

 
4,674

 
—

Wholesale/retail
8,418

 
1,893

 
1,893

 
—

 
—

 
6,256

 
—

 
6,650

 
—

Manufacturing
9,674

 
9,059

 
9,059

 
—

 
—

 
9,357

 
—

 
6,995

 
—

Healthcare
24,591

 
24,446

 
474

 
23,972

 
8,323

 
24,476

 
—

 
12,635

 
—

Other commercial and industrial
38,222

 
29,645

 
29,626

 
19

 
17

 
25,138

 
—

 
25,382

 
—

Total commercial
218,386

 
176,900

 
87,395

 
89,505

 
13,284

 
187,029

 
—

 
177,927

 
—

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Commercial real estate:
 

 
 

 
 

 
 

 
 

 
 

 
 

 
 

 
 

Residential construction and land development
3,532

 
1,924

 
1,924

 
—

 
—

 
1,988

 
—

 
2,679

 
—

Retail
513

 
289

 
289

 
—

 
—

 
295

 
—

 
308

 
—

Office
287

 
275

 
275

 
—

 
—

 
335

 
—

 
351

 
—

Multifamily
—

 
—

 
—

 
—

 
—

 
5

 
—

 
19

 
—

Industrial
—

 
—

 
—

 
—

 
—

 
—

 
—

 
38

 
—

Other commercial real estate
671

 
487

 
487

 
—

 
—

 
752

 
—

 
855

 
—

Total commercial real estate
5,003

 
2,975

 
2,975

 
—

 
—

 
3,375

 
—

 
4,250

 
—

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Residential mortgage:
 

 
 

 
 

 
 

 
 

 
 

 
 

 
 

 
 

Permanent mortgage
29,861

 
24,623

 
24,623

 
—

 
—

 
24,019

 
315

 
23,739

 
912

Permanent mortgage guaranteed by U.S. government agencies1
193,594

 
187,370

 
187,370

 
—

 
—

 
188,461

 
1,884

 
199,532

 
5,809

Home equity
13,332

 
11,992

 
11,992

 
—

 
—

 
11,880

 
—

 
11,755

 
—

Total residential mortgage
236,787

 
223,985

 
223,985

 
—

 
—

 
224,360

 
2,199

 
235,026

 
6,721

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Personal
290

 
255

 
255

 
—

 
—

 
263

 
—

 
273

 
—

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Total
$
460,466

 
$
404,115

 
$
314,610

 
$
89,505

 
$
13,284

 
$
415,027

 
$
2,199

 
$
417,476

 
$
6,721

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, 2017, $8.9 million of these loans were nonaccruing and $178 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, 2016 follows (in thousands): 
 
 
 
 
Recorded Investment
 
 
Unpaid
Principal
Balance
 
Total
 
With No
Allowance
 
With Allowance
 
Related Allowance
Commercial:
 
 
 
 
 
 
 
 
 
 
Energy
 
$
146,897

 
$
132,499

 
$
121,418

 
$
11,081

 
$
762

Services
 
11,723

 
8,173

 
8,173

 
—

 
—

Wholesale/retail
 
17,669

 
11,407

 
11,407

 
—

 
—

Manufacturing
 
5,320

 
4,931

 
4,931

 
—

 
—

Healthcare
 
1,147

 
825

 
825

 
—

 
—

Other commercial and industrial
 
29,006

 
21,118

 
21,083

 
35

 
35

Total commercial
 
211,762

 
178,953

 
167,837

 
11,116

 
797

 
 
 
 
 
 
 
 
 
 
 
Commercial real estate:
 
 

 
 

 
 

 
 

 
 

Residential construction and land development
 
4,951

 
3,433

 
3,433

 
—

 
—

Retail
 
530

 
326

 
326

 
—

 
—

Office
 
521

 
426

 
426

 
—

 
—

Multifamily
 
1,000

 
38

 
38

 
—

 
—

Industrial
 
76

 
76

 
76

 
—

 
—

Other commercial real estate
 
7,349

 
1,222

 
1,222

 
—

 
—

Total commercial real estate
 
14,427

 
5,521

 
5,521

 
—

 
—

 
 
 
 
 
 
 
 
 
 
 
Residential mortgage:
 
 

 
 

 
 

 
 

 
 

Permanent mortgage
 
28,830

 
22,855

 
22,809

 
46

 
46

Permanent mortgage guaranteed by U.S. government agencies1
 
205,564

 
199,387

 
199,387

 
—

 
—

Home equity
 
12,611

 
11,519

 
11,519

 
—

 
—

Total residential mortgage
 
247,005

 
233,761

 
233,715

 
46

 
46

 
 
 
 
 
 
 
 
 
 
 
Personal
 
332

 
290

 
290

 
—

 
—

 
 
 
 
 
 
 
 
 
 
 
Total
 
$
473,526

 
$
418,525

 
$
407,363

 
$
11,162

 
$
843

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, 2016, $12 million of these loans were nonaccruing and $188 million were accruing based on the guarantee by U.S. government agencies.

A summary of impaired loans at September 30, 2016 follows (in thousands): 
 
 
 
For the
 
For the
 
As of September 30, 2016
 
Three Months Ended
 
Nine Months Ended
 
 
 
Recorded Investment
 
 
 
September 30, 2016
 
September 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
$
179,578

 
$
142,966

 
$
100,300

 
$
42,666

 
$
6,502

 
$
155,555

 
$
—

 
$
85,333

 
$
—

Services
11,858

 
8,477

 
8,477

 
—

 
—

 
8,932

 
—

 
9,384

 
—

Wholesale/retail
8,528

 
2,453

 
2,453

 
—

 
—

 
2,613

 
—

 
2,686

 
—

Manufacturing
642

 
274

 
274

 
—

 
—

 
284

 
—

 
303

 
—

Healthcare
1,168

 
855

 
855

 
—

 
—

 
865

 
—

 
964

 
—

Other commercial and industrial
29,176

 
21,439

 
21,439

 
—

 
—

 
10,978

 
—

 
11,031

 
—

Total commercial
230,950

 
176,464

 
133,798

 
42,666

 
6,502

 
179,227

 
—

 
109,701

 
—

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Commercial real estate:
 
 
 
 
 
 
 
 
 
 
 
 
 

 
 
 
 

Residential construction and land development
6,090

 
3,739

 
3,739

 
—

 
—

 
4,000

 
—

 
4,074

 
—

Retail
1,914

 
1,249

 
1,249

 
—

 
—

 
1,257

 
—

 
1,284

 
—

Office
1,187

 
882

 
882

 
—

 
—

 
744

 
—

 
766

 
—

Multifamily
1,000

 
51

 
51

 
—

 
—

 
58

 
—

 
163

 
—

Industrial
76

 
76

 
76

 
—

 
—

 
76

 
—

 
76

 
—

Other commercial real estate
7,375

 
1,353

 
1,353

 
—

 
—

 
1,430

 
—

 
1,813

 
—

Total commercial real estate
17,642

 
7,350

 
7,350

 
—

 
—

 
7,565

 
—

 
8,176

 
—

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Residential mortgage:
 
 
 
 
 
 
 
 
 
 
 
 
 

 
 
 
 

Permanent mortgage
32,372

 
25,956

 
25,847

 
109

 
62

 
26,592

 
292

 
27,470

 
923

Permanent mortgage guaranteed by U.S. government agencies1
196,162

 
190,309

 
190,309

 
—

 
—

 
190,547

 
2,098

 
193,879

 
5,893

Home equity
12,099

 
11,064

 
11,064

 
—

 
—

 
10,578

 
—

 
10,710

 
—

Total residential mortgage
240,633

 
227,329

 
227,220

 
109

 
62

 
227,717

 
2,390

 
232,059

 
6,816

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Personal
724

 
686

 
686

 
—

 
—

 
520

 
—

 
575

 
—

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Total
$
489,949

 
$
411,829

 
$
369,054

 
$
42,775

 
$
6,564

 
$
415,029

 
$
2,390

 
$
350,511

 
$
6,816

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, 2016, $15 million of these loans were nonaccruing and $175 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, 2017 is as follows (in thousands):
 
 
As of September 30, 2017
 
Amounts Charged Off During:
 
 
Recorded
Investment
 
Performing in Accordance With Modified Terms
 
Not
Performing in Accordance With Modified Terms
 
Specific
Allowance
 
Three Months Ended
Sept. 30, 2017
 
Nine Months Ended
Sept. 30, 2017
Nonaccruing TDRs:
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Commercial:
 
 
 
 
 
 
 
 
 
 
 
 
Energy
 
$
9,582

 
$
9,506

 
$
76

 
$
—

 
$
4,322

 
$
4,322

Services
 
720

 
103

 
617

 
—

 
7

 
10

Wholesale/retail
 
1,802

 
—

 
1,802

 
—

 
—

 
—

Manufacturing
 
180

 
180

 
—

 
—

 
—

 
—

Healthcare
 
—

 
—

 
—

 
—

 
—

 
—

Other commercial and industrial
 
20,097

 
19,890

 
207

 
—

 
—

 
—

Total commercial
 
32,381

 
29,679

 
2,702

 
—

 
4,329

 
4,332

 
 
 
 
 
 
 
 
 
 
 
 
 
Commercial real estate:
 
 

 
 

 
 

 
 

 
 

 
 

Residential construction and land development
 
327

 
91

 
236

 
—

 
—

 
—

Retail
 
289

 
289

 
—

 
—

 
—

 
—

Office
 
—

 
—

 
—

 
—

 
—

 
—

Multifamily
 
—

 
—

 
—

 
—

 
—

 
—

Industrial
 
—

 
—

 
—

 
—

 
—

 
—

Other commercial real estate
 
353

 
353

 
—

 
—

 
—

 
—

Total commercial real estate
 
969

 
733

 
236

 
—

 
—

 
—

 
 
 
 
 
 
 
 
 
 
 
 
 
Residential mortgage:
 
 

 
 

 
 

 
 

 
 

 
 

Permanent mortgage
 
14,765

 
10,188

 
4,577

 
—

 
—

 
—

Permanent mortgage guaranteed by U.S. government agencies
 
5,601

 
523

 
5,078

 
—

 
—

 
—

Home equity
 
5,625

 
4,213

 
1,412

 
—

 
39

 
70

Total residential mortgage
 
25,991

 
14,924

 
11,067

 
—

 
39

 
70

 
 
 
 
 
 
 
 
 
 
 
 
 
Personal
 
205

 
195

 
10

 
—

 
2

 
10

 
 
 
 
 
 
 
 
 
 
 
 
 
Total nonaccruing TDRs
 
$
59,546

 
$
45,531

 
$
14,015

 
$
—

 
$
4,370

 
$
4,412

 
 
 
 
 
 
 
 
 
 
 
 
 
Accruing TDRs:
 
 
 
 
 
 
 
 
 
 
 
 
Permanent mortgages guaranteed by U.S. government agencies
 
69,440

 
14,948

 
54,492

 
—

 
—

 
—

 
 
 
 
 
 
 
 
 
 
 
 
 
Total TDRs
 
$
128,986

 
$
60,479

 
$
68,507

 
$
—

 
$
4,370

 
$
4,412


A summary of troubled debt restructurings by accruing status as of December 31, 2016 is as follows (in thousands):
 
 
As of
 
 
December 31, 2016
 
 
Recorded
Investment
 
Performing in Accordance With Modified Terms
 
Not
Performing in Accordance With Modified Terms
 
Specific
Allowance
Nonaccruing TDRs:
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Commercial:
 
 
 
 
 
 
 
 
Energy
 
$
16,893

 
$
10,867

 
$
6,026

 
$
—

Services
 
7,527

 
6,830

 
697

 
—

Wholesale/retail
 
11,291

 
11,251

 
40

 
—

Manufacturing
 
224

 
224

 
—

 
—

Healthcare
 
607

 
—

 
607

 
—

Other commercial and industrial
 
337

 
53

 
284

 
—

Total commercial
 
36,879

 
29,225

 
7,654

 
—

 
 
 
 
 
 
 
 
 
Commercial real estate:
 
 

 
 

 
 

 
 

Residential construction and land development
 
690

 
97

 
593

 
—

Retail
 
326

 
326

 
—

 
—

Office
 
143

 
143

 
—

 
—

Multifamily
 
—

 
—

 
—

 
—

Industrial
 
—

 
—

 
—

 
—

Other commercial real estate
 
548

 
548

 
—

 
—

Total commercial real estate
 
1,707

 
1,114

 
593

 
—

 
 
 
 
 
 
 
 
 
Residential mortgage:
 
 

 
 

 
 

 
 

Permanent mortgage
 
14,876

 
10,175

 
4,701

 
46

Permanent mortgage guaranteed by U.S. government agencies
 
6,702

 
2,241

 
4,461

 
—

Home equity
 
5,346

 
4,458

 
888

 
—

Total residential mortgage
 
26,924

 
16,874

 
10,050

 
46

 
 
 
 
 
 
 
 
 
Personal
 
237

 
236

 
1

 
—

 
 
 
 
 
 
 
 
 
Total nonaccuring TDRs
 
$
65,747

 
$
47,449

 
$
18,298

 
$
46

 
 
 
 
 
 
 
 
 
Accruing TDRs:
 
 
 
 
 
 
 
 
Permanent mortgages guaranteed by U.S. government agencies
 
81,370

 
27,289

 
54,081

 
—

 
 
 
 
 
 
 
 
 
Total TDRs
 
$
147,117

 
$
74,738

 
$
72,379

 
$
46


A summary of troubled debt restructurings by accruing status as of September 30, 2016 is as follows (in thousands):
 
 
As of September 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
Sept. 30, 2016
 
Nine Months Ended
Sept. 30, 2016
Nonaccruing TDRs:
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Commercial:
 
 
 
 
 
 
 
 
 
 
 
 
Energy
 
$
1,746

 
$
—

 
$
1,746

 
$
—

 
$
500

 
$
1,000

Services
 
7,761

 
7,034

 
727

 
—

 
—

 
—

Wholesale/retail
 
2,327

 
2,287

 
40

 
—

 
—

 
—

Manufacturing
 
238

 
238

 
—

 
—

 
—

 
—

Healthcare
 
623

 
—

 
623

 
—

 
—

 
—

Other commercial and industrial
 
497

 
61

 
436

 
—

 
—

 
57

Total commercial
 
13,192

 
9,620

 
3,572

 
—

 
500

 
1,057

 
 
 
 
 
 
 
 
 
 
 
 
 
Commercial real estate:
 
 

 
 

 
 

 
 

 
 

 
 

Residential construction and land development
 
794

 
359

 
435

 
—

 
—

 
—

Retail
 
1,249

 
892

 
357

 
—

 
—

 
—

Office
 
149

 
149

 
—

 
—

 
—

 
—

Multifamily
 
—

 
—

 
—

 
—

 
—

 
—

Industrial
 
—

 
—

 
—

 
—

 
—

 
—

Other commercial real estate
 
666

 
666

 
—

 
—

 
—

 
—

Total commercial real estate
 
2,858

 
2,066

 
792

 
—

 
—

 
—

 
 
 
 
 
 
 
 
 
 
 
 
 
Residential mortgage:
 
 

 
 

 
 

 
 

 
 

 
 

Permanent mortgage
 
16,109

 
11,944

 
4,165

 
62

 
—

 
2

Permanent mortgage guaranteed by U.S. government agencies
 
8,220

 
2,331

 
5,889

 
—

 
—

 
—

Home equity
 
5,168

 
4,667

 
501

 
—

 
34

 
153

Total residential mortgage
 
29,497

 
18,942

 
10,555

 
62

 
34

 
155

 
 
 
 
 
 
 
 
 
 
 
 
 
Personal
 
273

 
271

 
2

 
—

 
9

 
18

 
 
 
 
 
 
 
 
 
 
 
 
 
Total nonaccruing TDRs
 
$
45,820

 
$
30,899

 
$
14,921

 
$
62

 
$
543

 
$
1,230

 
 
 
 
 
 
 
 
 
 
 
 
 
Accruing TDRs:
 
 
 
 
 
 
 
 
 
 
 
 
Permanent mortgages guaranteed by U.S. government agencies
 
80,306

 
29,020

 
51,286

 
—

 
—

 
—

 
 
 
 
 
 
 
 
 
 
 
 
 
Total TDRs
 
$
126,126

 
$
59,919

 
$
66,207

 
$
62

 
$
543

 
$
1,230


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, 2017 by class that were restructured during the three months ended September 30, 2017 by primary type of concession (in thousands):

 
Three Months Ended
Sept. 30, 2017
 
Accruing
 
Nonaccrual
 
Total
 
Payment Stream
 
Combination & Other
 
Total
 
Payment Stream
 
Combination & Other
 
Total
 
Commercial:
 
 
 
 
 
 
 
 
 
 
 
 
 
Energy
$
—

 
$
—

 
$
—

 
$
—

 
$
—

 
$
—

 
$
—

Services
—

 
—

 
—

 
—

 
—

 
—

 
—

Wholesale/retail
—

 
—

 
—

 
—

 
—

 
—

 
—

Manufacturing
—

 
—

 
—

 
—

 
—

 
—

 
—

Healthcare
—

 
—

 
—

 
—

 
—

 
—

 
—

Other commercial and industrial
—

 
—

 
—

 
—

 
60

 
60

 
60

Total commercial
—

 
—

 
—

 
—

 
60

 
60

 
60

 
 
 
 
 
 
 
 
 
 
 
 
 
 
Commercial real estate:
 
 
 
 
 
 
 
 
 
 
 
 
 
Residential construction and land development
—

 
—

 
—

 
—

 
—

 
—

 
—

Retail
—

 
—

 
—

 
—

 
—

 
—

 
—

Office
—

 
—

 
—

 
—

 
—

 
—

 
—

Multifamily
—

 
—

 
—

 
—

 
—

 
—

 
—

Industrial
—

 
—

 
—

 
—

 
—

 
—

 
—

Other commercial real estate
—

 
—

 
—

 
—

 
—

 
—

 
—

Total commercial real estate
—

 
—

 
—

 
—

 
—

 
—

 
—

 
 
 
 
 
 
 
 
 
 
 
 
 
 
Residential mortgage:
 
 
 
 
 
 
 
 
 
 
 
 
 
Permanent mortgage
—

 
—

 
—

 
969

 
506

 
1,475

 
1,475

Permanent mortgage guaranteed by U.S. government agencies
8,205

 
620

 
8,825

 
315

 
—

 
315

 
9,140

Home equity
—

 
—

 
—

 
—

 
469

 
469

 
469

Total residential mortgage
8,205

 
620

 
8,825

 
1,284

 
975

 
2,259

 
11,084

 
 
 
 
 
 
 
 
 
 
 
 
 
 
Personal
—

 
—

 
—

 
—

 
4

 
4

 
4

 
 
 
 
 
 
 
 
 
 
 
 
 
 
Total
$
8,205

 
$
620

 
$
8,825

 
$
1,284

 
$
1,039

 
$
2,323

 
$
11,148


 
Nine Months Ended
Sept. 30, 2017
 
Accruing
Nonaccrual
 
Total
 
 
Payment Stream
 
Combination & Other
 
Total
 
Payment Stream
 
Combination & Other
 
Total
 
Commercial:
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Energy
 
$
—

 
$
—

 
$
—

 
$
7,781

 
$
—

 
$
7,781

 
$
7,781

Services
 
—

 
—

 
—

 
—

 
—

 
—

 
—

Wholesale/retail
 
—

 
—

 
—

 
—

 
—

 
—

 
—

Manufacturing
 
—

 
—

 
—

 
—

 
—

 
—

 
—

Healthcare
 
—

 
—

 
—

 
—

 
—

 
—

 
—

Other commercial and industrial
 
—

 
—

 
—

 
19,825

 
60

 
19,885

 
19,885

Total commercial
 
—

 
—

 
—

 
27,606

 
60

 
27,666

 
27,666

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Commercial real estate:
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Residential construction and land development
 
—

 
—

 
—

 
—

 
—

 
—

 
—

Retail
 
—

 
—

 
—

 
—

 
—

 
—

 
—

Office
 
—

 
—

 
—

 
—

 
—

 
—

 
—

Multifamily
 
—

 
—

 
—

 
—

 
—

 
—

 
—

Industrial
 
—

 
—

 
—

 
—

 
—

 
—

 
—

Other commercial real estate
 
—

 
—

 
—

 
—

 
—

 
—

 
—

Total commercial real estate
 
—

 
—

 
—

 
—

 
—

 
—

 
—

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Residential mortgage:
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Permanent mortgage
 
—

 
—

 
—

 
153

 
1,559

 
1,712

 
1,712

Permanent mortgage guaranteed by U.S. government agencies
 
18,678

 
2,649

 
21,327

 
443

 
85

 
528

 
21,855

Home equity
 
—

 
—

 
—

 
104

 
1,468

 
1,572

 
1,572

Total residential mortgage
 
18,678

 
2,649

 
21,327

 
700

 
3,112

 
3,812

 
25,139

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Personal
 
—

 
—

 
—

 
—

 
48

 
48

 
48

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Total
 
$
18,678

 
$
2,649

 
$
21,327

 
$
28,306

 
$
3,220

 
$
31,526

 
$
52,853


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 September 30, 2016 by primary type of concession (in thousands):

 
Three Months Ended
Sept. 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 commercial real estate
—

 
—

 
—

 
—

 
—

 
—

 
—

Total commercial real estate
—

 
—

 
—

 
—

 
—

 
—

 
—

 
 
 
 
 
 
 
 
 
 
 
 
 
 
Residential mortgage:
 
 
 
 
 
 
 
 
 
 
 
 
 
Permanent mortgage
—

 
—

 
—

 
—

 
151

 
151

 
151

Permanent mortgage guaranteed by U.S. government agencies
3,527

 
4,211

 
7,738

 
—

 
287

 
287

 
8,025

Home equity
—

 
—

 
—

 
—

 
920

 
920

 
920

Total residential mortgage
3,527

 
4,211

 
7,738

 
—

 
1,358

 
1,358

 
9,096

 
 
 
 
 
 
 
 
 
 
 
 
 
 
Personal
—

 
—

 
—

 
—

 
19

 
19

 
19

 
 
 
 
 
 
 
 
 
 
 
 
 
 
Total
$
3,527

 
$
4,211

 
$
7,738

 
$
—

 
$
1,377

 
$
1,377

 
$
9,115


 
Nine Months Ended
Sept. 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 commercial real estate
—

 
—

 
—

 
—

 
—

 
—

 
—

Total commercial real estate
—

 
—

 
—

 
—

 
—

 
—

 
—

 
 
 
 
 
 
 
 
 
 
 
 
 
 
Residential mortgage:
 
 
 
 
 
 
 
 
 
 
 
 
 
Permanent mortgage
—

 
—

 
—

 
1,037

 
1,051

 
2,088

 
2,088

Permanent mortgage guaranteed by U.S. government agencies
9,687

 
9,350

 
19,037

 
—

 
982

 
982

 
20,019

Home equity
—

 
—

 
—

 
48

 
1,630

 
1,678

 
1,678

Total residential mortgage
9,687

 
9,350

 
19,037

 
1,085

 
3,663

 
4,748

 
23,785

 
 
 
 
 
 
 
 
 
 
 
 
 
 
Personal
—

 
—

 
—

 
—

 
82

 
82

 
82

 
 
 
 
 
 
 
 
 
 
 
 
 
 
Total
$
9,687

 
$
9,350

 
$
19,037

 
$
1,586

 
$
3,745

 
$
5,331

 
$
24,368


The following table summarizes, by loan class, the recorded investment at September 30, 2017 and 2016, respectively, 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, 2017 and 2016, respectively (in thousands):

 
Three Months Ended
Sept. 30, 2017
 
Nine Months Ended
Sept. 30, 2017
 
Accruing
 
Nonaccrual
 
Total
 
Accruing
 
Nonaccrual
 
Total
Commercial:
 
 
 
 
 
 
 
 
 
 
 
Energy
$
—

 
$
7,857

 
$
7,857

 
$
—

 
$
9,582

 
$
9,582

Services
—

 
—

 
—

 
—

 
—

 
—

Wholesale/retail
—

 
—

 
—

 
—

 
—

 
—

Manufacturing
—

 
—

 
—

 
—

 
—

 
—

Healthcare
—

 
—

 
—

 
—

 
—

 
—

Other commercial and industrial
—

 
—

 
—

 
—

 
19,825

 
19,825

Total commercial
—

 
7,857

 
7,857

 
—

 
29,407

 
29,407

 
 
 
 
 
 
 
 
 
 
 
 
Commercial real estate:
 
 
 
 
 
 
 
 
 
 
 
Residential construction and land development
—

 
—

 
—

 
—

 
—

 
—

Retail
—

 
—

 
—

 
—

 
—

 
—

Office
—

 
—

 
—

 
—

 
—

 
—

Multifamily
—

 
—

 
—

 
—

 
—

 
—

Industrial
—

 
—

 
—

 
—

 
—

 
—

Other commercial real estate
—

 
—

 
—

 
—

 
—

 
—

Total commercial real estate
—

 
—

 
—

 
—

 
—

 
—

 
 
 
 
 
 
 
 
 
 
 
 
Residential mortgage:
 
 
 
 
 
 
 
 
 
 
 
Permanent mortgage
—

 
1,511

 
1,511

 
—

 
1,511

 
1,511

Permanent mortgage guaranteed by U.S. government agencies
23,620

 
878

 
24,498

 
24,349

 
878

 
25,227

Home equity
—

 
1,030

 
1,030

 
—

 
1,139

 
1,139

Total residential mortgage
23,620

 
3,419

 
27,039

 
24,349

 
3,528

 
27,877

 
 
 
 
 
 
 
 
 
 
 
 
Personal
—

 
10

 
10

 
—

 
10

 
10

 
 
 
 
 
 
 
 
 
 
 
 
Total
$
23,620

 
$
11,286

 
$
34,906

 
$
24,349

 
$
32,945

 
$
57,294


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
Sept. 30, 2016
 
Nine Months Ended
Sept. 30, 2016
 
Accruing
 
Nonaccrual
 
Total
 
Accruing
 
Nonaccrual
 
Total
Commercial:
 
 
 
 
 
 
 
 
 
 
 
Energy
$
—

 
$
1,746

 
$
1,746

 
$
—

 
$
1,746

 
$
1,746

Services
—

 
—

 
—

 
—

 
—

 
—

Wholesale/retail
—

 
—

 
—

 
—

 
—

 
—

Manufacturing
—

 
—

 
—

 
—

 
—

 
—

Healthcare
—

 
—

 
—

 
—

 
—

 
—

Other commercial and industrial
—

 
—

 
—

 
—

 
—

 
—

Total commercial
—

 
1,746

 
1,746

 
—

 
1,746

 
1,746

 
 
 
 
 
 
 
 
 
 
 
 
Commercial real estate:
 
 
 
 
 
 
 
 
 
 
 
Residential construction and land development
—

 
—

 
—

 
—

 
—

 
—

Retail
—

 
—

 
—

 
—

 
—

 
—

Office
—

 
—

 
—

 
—

 
—

 
—

Multifamily
—

 
—

 
—

 
—

 
—

 
—

Industrial
—

 
—

 
—

 
—

 
—

 
—

Other commercial real estate
—

 
—

 
—

 
—

 
—

 
—

Total commercial real estate
—

 
—

 
—

 
—

 
—

 
—

 
 
 
 
 
 
 
 
 
 
 
 
Residential mortgage:
 
 
 
 
 
 
 
 
 
 
 
Permanent mortgage
—

 
298

 
298

 
—

 
542

 
542

Permanent mortgage guaranteed by U.S. government agencies
17,491

 
1,095

 
18,586

 
19,352

 
1,121

 
20,473

Home equity
—

 
258

 
258

 
—

 
258

 
258

Total residential mortgage
17,491

 
1,651

 
19,142

 
19,352

 
1,921

 
21,273

 
 
 
 
 
 
 
 
 
 
 
 
Personal
—

 
11

 
11

 
—

 
11

 
11

 
 
 
 
 
 
 
 
 
 
 
 
Total
$
17,491

 
$
3,408

 
$
20,899

 
$
19,352

 
$
3,678

 
$
23,030
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, 2017 is as follows (in thousands):
 
 
 
 
Past Due
 
 
 
 
 
 
Current
 
30 to 59
Days
 
60 to 89 Days
 
90 Days
or More
 
Nonaccrual
 
Total
Commercial:
 
 
 
 
 
 
 
 
 
 
 
 
Energy
 
$
2,752,259

 
$
—

 
$
5,039

 
$
—

 
$
110,683

 
$
2,867,981

Services
 
2,963,746

 
2,343

 
250

 
—

 
1,174

 
2,967,513

Wholesale/retail
 
1,654,018

 
1,748

 
409

 
30

 
1,893

 
1,658,098

Manufacturing
 
508,231

 
—

 
2,156

 
—

 
9,059

 
519,446

Healthcare
 
2,214,849

 
156

 
—

 
—

 
24,446

 
2,239,451

Other commercial and industrial
 
513,748

 
52

 
—

 
—

 
29,645

 
543,445

Total commercial
 
10,606,851

 
4,299

 
7,854

 
30

 
176,900

 
10,795,934

 
 
 
 
 
 
 
 
 
 
 
 
 
Commercial real estate:
 
 

 
 

 
 
 
 

 
 

 
 

Residential construction and land development
 
109,994

 
184

 
—

 
—

 
1,924

 
112,102

Retail
 
724,850

 
726

 
—

 
—

 
289

 
725,865

Office
 
796,687

 
127

 
—

 
—

 
275

 
797,089

Multifamily
 
999,009

 
—

 
—

 
—

 
—

 
999,009

Industrial
 
591,080

 
—

 
—

 
—

 
—

 
591,080

Other commercial real estate
 
292,322

 
1

 
—

 
187

 
487

 
292,997

Total commercial real estate
 
3,513,942

 
1,038

 
—

 
187

 
2,975

 
3,518,142

 
 
 
 
 
 
 
 
 
 
 
 
 
Residential mortgage:
 
 

 
 

 
 
 
 

 
 

 
 

Permanent mortgage
 
985,183

 
3,705

 
454

 
—

 
24,623

 
1,013,965

Permanent mortgages guaranteed by U.S. government agencies
 
25,169

 
17,346

 
13,343

 
122,621

 
8,891

 
187,370

Home equity
 
728,884

 
3,066

 
445

 
28

 
11,992

 
744,415

Total residential mortgage
 
1,739,236

 
24,117

 
14,242

 
122,649

 
45,506

 
1,945,750

 
 
 
 
 
 
 
 
 
 
 
 
 
Personal
 
943,368

 
3,296

 
81

 
8

 
255

 
947,008

 
 
 
 
 
 
 
 
 
 
 
 
 
Total
 
$
16,803,397

 
$
32,750

 
$
22,177

 
$
122,874

 
$
225,636

 
$
17,206,834


A summary of loans currently performing, loans past due and accruing and nonaccrual loans as of December 31, 2016 is as follows (in thousands):

 
 
 
 
Past Due
 
 
 
 
 
 
Current
 
30 to 59
Days
 
60 to 89 Days
 
90 Days
or More
 
Nonaccrual
 
Total
Commercial:
 
 
 
 
 
 
 
 
 
 
 
 
Energy
 
$
2,364,890

 
$
479

 
—

 
$
—

 
$
132,499

 
$
2,497,868

Services
 
3,099,605

 
191

 
1,021

 
—

 
8,173

 
3,108,990

Wholesale/retail
 
1,561,650

 
3,761

 
—

 
—

 
11,407

 
1,576,818

Manufacturing
 
509,662

 
382

 
—

 
—

 
4,931

 
514,975

Healthcare
 
2,201,050

 
—

 
41

 
—

 
825

 
2,201,916

Other commercial and industrial
 
468,981

 
155

 
3

 
—

 
21,118

 
490,257

Total commercial
 
10,205,838

 
4,968

 
1,065

 
—

 
178,953

 
10,390,824

 
 
 
 
 
 
 
 
 
 
 
 
 
Commercial real estate:
 
 

 
 

 
 
 
 

 
 

 
 

Residential construction and land development
 
132,100

 
—

 
—

 
—

 
3,433

 
135,533

Retail
 
761,562

 
—

 
—

 
—

 
326

 
761,888

Office
 
798,462

 
—

 
—

 
—

 
426

 
798,888

Multifamily
 
903,234

 
—

 
—

 
—

 
38

 
903,272

Industrial
 
871,673

 
—

 
—

 
—

 
76

 
871,749

Other commercial real estate
 
336,488

 
6

 
—

 
—

 
1,222

 
337,716

Total commercial real estate
 
3,803,519

 
6

 
—

 
—

 
5,521

 
3,809,046

 
 
 
 
 
 
 
 
 
 
 
 
 
Residential mortgage:
 
 

 
 

 
 
 
 

 
 

 
 

Permanent mortgage
 
979,386

 
3,299

 
1,280

 
—

 
22,855

 
1,006,820

Permanent mortgages guaranteed by U.S. government agencies
 
40,594

 
17,465

 
13,803

 
115,679

 
11,846

 
199,387

Home equity
 
729,493

 
2,276

 
337

 
—

 
11,519

 
743,625

Total residential mortgage
 
1,749,473

 
23,040

 
15,420

 
115,679

 
46,220

 
1,949,832

 
 
 
 
 
 
 
 
 
 
 
 
 
Personal
 
838,811

 
589

 
263

 
5

 
290

 
839,958

 
 
 
 
 
 
 
 
 
 
 
 
 
Total
 
$
16,597,641

 
$
28,603

 
16,748

 
$
115,684

 
$
230,984

 
$
16,989,660


A summary of loans currently performing, loans past due and accruing and nonaccrual loans as of September 30, 2016 is as follows (in thousands):

 
 
 
 
Past Due
 
 
 
 
 
 
Current
 
30 to 59
Days
 
60 to 89 Days
 
90 Days
or More
 
Nonaccrual
 
Total
Commercial:
 
 
 
 
 
 
 
 
 
 
 
 
Energy
 
$
2,365,850

 
$
11,988

 
—

 
$
—

 
$
142,966

 
$
2,520,804

Services
 
2,923,874

 
502

 
39

 
3,707

 
8,477

 
2,936,599

Wholesale/retail
 
1,599,356

 
221

 
—

 
—

 
2,453

 
1,602,030

Manufacturing
 
499,212

 
—

 
—

 
—

 
274

 
499,486

Healthcare
 
2,083,556

 
635

 
—

 
—

 
855

 
2,085,046

Other commercial and industrial
 
454,538

 
34

 
68

 
119

 
21,439

 
476,198

Total commercial
 
9,926,386

 
13,380

 
107

 
3,826

 
176,464

 
10,120,163

 
 
 
 
 
 
 
 
 
 
 
 
 
Commercial real estate:
 
 

 
 

 
 

 
 

 
 

 
 

Residential construction and land development
 
156,207

 
—

 
—

 
—

 
3,739

 
159,946

Retail
 
796,362

 
3,766

 
—

 
—

 
1,249

 
801,377

Office
 
751,823

 
—

 
—

 
—

 
882

 
752,705

Multifamily
 
868,591

 
—

 
5,131

 
—

 
51

 
873,773

Industrial
 
837,945

 
—

 
—

 
—

 
76

 
838,021

Other commercial real estate
 
366,416

 
7

 
—

 
—

 
1,353

 
367,776

Total commercial real estate
 
3,777,344

 
3,773

 
5,131

 
—

 
7,350

 
3,793,598

 
 
 
 
 
 
 
 
 
 
 
 
 
Residential mortgage:
 
 

 
 

 
 

 
 

 
 

 
 

Permanent mortgage
 
939,853

 
3,547

 
202

 
—

 
25,956

 
969,558

Permanent mortgages guaranteed by U.S. government agencies
 
41,150

 
17,364

 
12,963

 
103,400

 
15,432

 
190,309

Home equity
 
700,031

 
1,526

 
305

 
—

 
11,064

 
712,926

Total residential mortgage
 
1,681,034

 
22,437

 
13,470

 
103,400

 
52,452

 
1,872,793

 
 
 
 
 
 
 
 
 
 
 
 
 
Personal
 
677,194

 
191

 
148

 
13

 
686

 
678,232

 
 
 
 
 
 
 
 
 
 
 
 
 
Total
 
$
16,061,958

 
$
39,781

 
18,856

 
$
107,239

 
$
236,952

 
$
16,464,786