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Loans and Allowances for Credit Losses (Tables)
 3 Months Ended
Mar. 31, 2019
Loans Receivable, Net [Abstract]  
Schedule of Loans by Portfolio Segment [Table Text Block] Portfolio segments of the loan portfolio are as follows (in thousands):

 
 
March 31, 2019
 
December 31, 2018
 
 
Fixed
Rate
 
Variable
Rate
 
Non-accrual
 
Total
 
Fixed
Rate
 
Variable
Rate
 
Non-accrual
 
Total
Commercial
 
$
3,336,747

 
$
10,534,870

 
$
90,358

 
$
13,961,975

 
$
2,251,188

 
$
11,285,049

 
$
99,841

 
$
13,636,078

Commercial real estate
 
1,004,692

 
3,574,451

 
21,508

 
4,600,651

 
1,477,274

 
3,265,918

 
21,621

 
4,764,813

Residential mortgage
 
1,777,510

 
374,701

 
40,409

 
2,192,620

 
1,830,224

 
358,254

 
41,555

 
2,230,033

Personal
 
160,472

 
842,960

 
302

 
1,003,734

 
190,687

 
834,889

 
230

 
1,025,806

Total
 
$
6,279,421

 
$
15,326,982

 
$
152,577

 
$
21,758,980

 
$
5,749,373

 
$
15,744,110

 
$
163,247

 
$
21,656,730

Accruing loans past due (90 days)1
 
 

 
 

 
 

 
$
610

 
 

 
 

 
 

 
$
1,338

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 March 31, 2019 is summarized as follows (in thousands):
 
 
Commercial
 
Commercial Real Estate
 
Residential Mortgage
 
Personal
 
Nonspecific Allowance
 
Total
Allowance for loan losses:
 
 
 
 
 
 
 
 
 
 
 
 
Beginning balance
 
$
102,226

 
$
60,026

 
$
17,964

 
$
9,473

 
$
17,768

 
$
207,457

Provision for loan losses
 
11,108

 
(2,004
)
 
(2,408
)
 
(137
)
 
1,410

 
7,969

Loans charged off
 
(10,468
)
 
—

 
(42
)
 
(1,265
)
 
—

 
(11,775
)
Recoveries
 
711

 
112

 
154

 
712

 
—

 
1,689

Ending balance
 
$
103,577

 
$
58,134

 
$
15,668

 
$
8,783

 
$
19,178

 
$
205,340

Allowance for off-balance sheet credit losses:
 
 

 
 

 
 

 
 

 
 

 
 

Beginning balance
 
$
1,655

 
$
52

 
$
52

 
$
31

 
$
—

 
$
1,790

Provision for off-balance sheet credit losses
 
70

 
(4
)
 
(5
)
 
(30
)
 
—

 
31

Ending balance
 
$
1,725

 
$
48

 
$
47

 
$
1

 
$
—

 
$
1,821

 
 
 
 
 
 
 
 
 
 
 
 
 
Total provision for credit losses
 
$
11,178

 
$
(2,008
)
 
$
(2,413
)
 
$
(167
)
 
$
1,410

 
$
8,000

 
 
 
 
 
 
 
 
 
 
 
 
 

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 March 31, 2018 is summarized as follows (in thousands):
 
 
Commercial
 
Commercial Real Estate
 
Residential Mortgage
 
Personal
 
Nonspecific Allowance
 
Total
Allowance for loan losses:
 
 
 
 
 
 
 
 
 
 
 
 
Beginning balance
 
$
124,269

 
$
56,621

 
$
18,451

 
$
9,124

 
$
22,217

 
$
230,682

Provision for loan losses
 
(3,111
)
 
266

 
(162
)
 
(152
)
 
(2,242
)
 
(5,401
)
Loans charged off
 
(1,563
)
 
—

 
(100
)
 
(1,227
)
 
—

 
(2,890
)
Recoveries
 
488

 
183

 
242

 
663

 
—

 
1,576

Ending balance
 
$
120,083

 
$
57,070

 
$
18,431

 
$
8,408

 
$
19,975

 
$
223,967

Allowance for off-balance sheet credit losses:
 
 

 
 

 
 

 
 

 
 

 
 

Beginning balance
 
$
3,644

 
$
45

 
$
43

 
$
2

 
$
—

 
$
3,734

Provision for off-balance sheet credit losses
 
383

 
(1
)
 
19

 
—

 
—

 
401

Ending balance
 
$
4,027

 
$
44

 
$
62

 
$
2

 
$
—

 
$
4,135

 
 
 
 
 
 
 
 
 
 
 
 
 
Total provision for credit losses
 
$
(2,728
)
 
$
265

 
$
(143
)
 
$
(152
)
 
$
(2,242
)
 
$
(5,000
)
 
 
 
 
 
 
 
 
 
 
 
 
 

The allowance for loan losses and recorded investment of the related loans by portfolio segment for each impairment measurement method at March 31, 2019 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
 
$
13,871,617

 
$
100,034

 
$
90,358

 
$
3,543

 
$
13,961,975

 
$
103,577

Commercial real estate
 
4,579,143

 
58,134

 
21,508

 
—

 
4,600,651

 
58,134

Residential mortgage
 
2,152,211

 
15,668

 
40,409

 
—

 
2,192,620

 
15,668

Personal
 
1,003,432

 
8,783

 
302

 
—

 
1,003,734

 
8,783

Total
 
21,606,403

 
182,619

 
152,577

 
3,543

 
21,758,980

 
186,162

 
 
 
 
 
 
 
 
 
 
 
 
 
Nonspecific allowance
 
—

 
—

 
—

 
—

 
—

 
19,178

 
 
 
 
 
 
 
 
 
 
 
 
 
Total
 
$
21,606,403

 
$
182,619

 
$
152,577

 
$
3,543

 
$
21,758,980

 
$
205,340


The allowance for loan losses and recorded investment of the related loans by portfolio segment for each impairment measurement method at December 31, 2018 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
 
$
13,536,237

 
$
93,494

 
$
99,841

 
$
8,732

 
$
13,636,078

 
$
102,226

Commercial real estate
 
4,743,192

 
60,026

 
21,621

 
—

 
4,764,813

 
60,026

Residential mortgage
 
2,188,478

 
17,964

 
41,555

 
—

 
2,230,033

 
17,964

Personal
 
1,025,576

 
9,473

 
230

 
—

 
1,025,806

 
9,473

Total
 
21,493,483

 
180,957

 
163,247

 
8,732

 
21,656,730

 
189,689

 
 
 
 
 
 
 
 
 
 
 
 
 
Nonspecific allowance
 
—

 
—

 
—

 
—

 
—

 
17,768

 
 
 
 
 
 
 
 
 
 
 
 
 
Total
 
$
21,493,483

 
$
180,957

 
$
163,247

 
$
8,732

 
$
21,656,730

 
$
207,457


 
 
 
 
 
 
 
 
 
 
 
 
 
Schedule of Credit Quality Indicators [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 March 31, 2019 is as follows (in thousands):
 
 
Internally Risk Graded
 
Non-Graded
 
Total
 
 
Recorded Investment
 
Related Allowance
 
Recorded Investment
 
Related Allowance
 
Recorded Investment
 
Related
Allowance
Commercial
 
$
13,931,425

 
$
102,646

 
$
30,550

 
$
931

 
$
13,961,975

 
$
103,577

Commercial real estate
 
4,600,651

 
58,134

 
—

 
—

 
4,600,651

 
58,134

Residential mortgage
 
275,875

 
3,176

 
1,916,745

 
12,492

 
2,192,620

 
15,668

Personal
 
912,343

 
6,627

 
91,391

 
2,156

 
1,003,734

 
8,783

Total
 
19,720,294

 
170,583

 
2,038,686

 
15,579

 
21,758,980

 
186,162

 
 
 
 
 
 
 
 
 
 
 
 
 
Nonspecific allowance
 
—

 
—

 
—

 
—

 
—

 
19,178

 
 
 
 
 
 
 
 
 
 
 
 
 
Total
 
$
19,720,294

 
$
170,583

 
$
2,038,686

 
$
15,579

 
$
21,758,980

 
$
205,340

 
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, 2018 is as follows (in thousands):
 
 
Internally Risk Graded
 
Non-Graded
 
Total
 
 
Recorded Investment
 
Related Allowance
 
Recorded Investment
 
Related Allowance
 
Recorded Investment
 
Related
Allowance
Commercial
 
$
13,586,654

 
$
101,303

 
$
49,424

 
$
923

 
$
13,636,078

 
$
102,226

Commercial real estate
 
4,764,813

 
60,026

 
—

 
—

 
4,764,813

 
60,026

Residential mortgage
 
505,046

 
3,310

 
1,724,987

 
14,654

 
2,230,033

 
17,964

Personal
 
948,890

 
6,633

 
76,916

 
2,840

 
1,025,806

 
9,473

Total
 
19,805,403

 
171,272

 
1,851,327

 
18,417

 
21,656,730

 
189,689

 
 
 
 
 
 
 
 
 
 
 
 
 
Nonspecific allowance
 
—

 
—

 
—

 
—

 
—

 
17,768

 
 
 
 
 
 
 
 
 
 
 
 
 
Total
 
$
19,805,403

 
$
171,272

 
$
1,851,327

 
$
18,417

 
$
21,656,730

 
$
207,457

 
 
 
 
 
 
 
 
 
 
 
 
 


Loans are considered to be performing if they are in compliance with the original terms of the agreement and currently exhibit no factors that cause management to have doubts about the borrowers' ability to remain in compliance with the original terms of the agreement, which is consistent with the regulatory guideline of “pass.” Performing loans also include past due residential mortgages that are guaranteed by agencies of the U.S. government that continue to accrue interest based on criteria of the guarantors' programs. Other loans especially mentioned are currently performing in compliance with the original terms of the agreement but may have a potential weakness that deserves management’s close attention, consistent with regulatory guidelines. 

The risk grading process identified certain loans that have a well-defined weakness (e.g. inadequate debt service coverage or liquidity or marginal capitalization; repayment may depend on collateral or other risk mitigation) that may jeopardize liquidation of the debt and represent a greater risk due to deterioration in the financial condition of the borrower. This is consistent with the regulatory guideline for “substandard.” Because the borrowers are still performing in accordance with the original terms of the loan agreements, these loans were not placed in nonaccruing status. 

Nonaccruing loans represent loans for which full collection of principal and interest is uncertain. This is substantially the same criteria used to determine whether a loan is impaired and includes certain loans considered “substandard” and all loans considered “doubtful” by regulatory guidelines.

The following table summarizes the Company’s loan portfolio at March 31, 2019 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
 
$
3,549,167

 
$
39,285

 
$
81,315

 
$
35,332

 
$
—

 
$
—

 
$
3,705,099

Services
 
3,189,490

 
60,361

 
28,157

 
9,555

 
—

 
—

 
3,287,563

Wholesale/retail
 
1,675,248

 
21,100

 
9,127

 
1,425

 
—

 
—

 
1,706,900

Manufacturing
 
677,497

 
34,033

 
21,296

 
9,548

 
—

 
—

 
742,374

Healthcare
 
2,869,515

 
13,748

 
13,854

 
18,768

 
—

 
—

 
2,915,885

Public finance
 
803,083

 
—

 
—

 
—

 
—

 
—

 
803,083

Other commercial and industrial
 
744,082

 
3,190

 
7,580

 
15,669

 
30,489

 
61

 
801,071

Total commercial
 
13,508,082

 
171,717

 
161,329

 
90,297

 
30,489

 
61

 
13,961,975

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Commercial real estate:
 
 

 
 
 
 

 
 

 
 

 
 

 
 

Residential construction and land development
 
149,336

 
—

 
—

 
350

 
—

 
—

 
149,686

Retail
 
857,698

 
11,549

 
1,279

 
20,159

 
—

 
—

 
890,685

Office
 
1,024,892

 
4,219

 
3,192

 
855

 
—

 
—

 
1,033,158

Multifamily
 
1,203,220

 
7,136

 
2

 
—

 
—

 
—

 
1,210,358

Industrial
 
767,757

 
—

 
—

 
—

 
—

 
—

 
767,757

Other commercial real estate
 
546,942

 
1,071

 
850

 
144

 
—

 
—

 
549,007

Total commercial real estate
 
4,549,845

 
23,975

 
5,323

 
21,508

 
—

 
—

 
4,600,651

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Residential mortgage:
 
 

 
 
 
 

 
 

 
 

 
 

 
 

Permanent mortgage
 
272,741

 
—

 
2,225

 
909

 
800,578

 
22,028

 
1,098,481

Permanent mortgages guaranteed by U.S. government agencies
 
—

 
—

 
—

 
—

 
186,362

 
6,946

 
193,308

Home equity
 
—

 
—

 
—

 
—

 
890,305

 
10,526

 
900,831

Total residential mortgage
 
272,741

 
—

 
2,225

 
909

 
1,877,245

 
39,500

 
2,192,620

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Personal
 
912,187

 
47

 
33

 
76

 
91,165

 
226

 
1,003,734

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Total
 
$
19,242,855

 
$
195,739

 
$
168,910

 
$
112,790

 
$
1,998,899

 
$
39,787

 
$
21,758,980



The following table summarizes the Company’s loan portfolio at December 31, 2018 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
 
$
3,414,039

 
$
42,176

 
$
86,624

 
$
47,494

 
$
—

 
$
—

 
$
3,590,333

Services
 
3,167,203

 
49,761

 
32,661

 
8,567

 
—

 
—

 
3,258,192

Wholesale/retail
 
1,593,902

 
18,809

 
7,131

 
1,316

 
—

 
—

 
1,621,158

Manufacturing
 
668,438

 
30,934

 
22,230

 
8,919

 
—

 
—

 
730,521

Healthcare
 
2,730,121

 
14,920

 
37,698

 
16,538

 
—

 
—

 
2,799,277

Public finance
 
804,550

 
—

 
—

 
—

 
—

 
—

 
804,550

Other commercial and industrial
 
756,815

 
1,266

 
7,588

 
16,954

 
49,371

 
53

 
832,047

Total commercial
 
13,135,068

 
157,866

 
193,932

 
99,788

 
49,371

 
53

 
13,636,078

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Commercial real estate:
 
 

 
 
 
 

 
 

 
 

 
 

 
 

Residential construction and land development
 
148,234

 
—

 
—

 
350

 
—

 
—

 
148,584

Retail
 
885,588

 
11,926

 
1,289

 
20,279

 
—

 
—

 
919,082

Office
 
1,059,334

 
10,532

 
3,054

 
—

 
—

 
—

 
1,072,920

Multifamily
 
1,287,471

 
281

 
12

 
301

 
—

 
—

 
1,288,065

Industrial
 
776,898

 
—

 
1,208

 
—

 
—

 
—

 
778,106

Other commercial real estate
 
555,301

 
1,188

 
876

 
691

 
—

 
—

 
558,056

Total commercial real estate
 
4,712,826

 
23,927

 
6,439

 
21,621

 
—

 
—

 
4,764,813

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Residential mortgage:
 
 

 
 
 
 

 
 

 
 

 
 

 
 

Permanent mortgage
 
269,678

 
52

 
9,730

 
1,991

 
819,199

 
21,960

 
1,122,610

Permanent mortgages guaranteed by U.S. government agencies
 
—

 
—

 
—

 
—

 
183,734

 
7,132

 
190,866

Home equity
 
223,298

 
—

 
296

 
—

 
682,491

 
10,472

 
916,557

Total residential mortgage
 
492,976

 
52

 
10,026

 
1,991

 
1,685,424

 
39,564

 
2,230,033

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Personal
 
944,256

 
115

 
4,443

 
76

 
76,762

 
154

 
1,025,806

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Total
 
$
19,285,126

 
$
181,960

 
$
214,840

 
$
123,476

 
$
1,811,557

 
$
39,771

 
$
21,656,730

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
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 generally includes all nonaccruing loans, all loans modified in a TDR and all loans repurchased from GNMA pools.

A summary of impaired loans at March 31, 2019 follows (in thousands):
 
As of
 
For the
 
March 31, 2019
 
Three Months Ended
 
 
 
Recorded Investment
 
 
 
March 31, 2019
 
Unpaid
Principal
Balance
 
Total
 
With No
Allowance
 
With Allowance
 
Related Allowance
 
Average Recorded
Investment
 
Interest Income Recognized
Commercial:
 
 
 
 
 
 
 
 
 
 
 
 
 
Energy
$
72,615

 
$
35,332

 
$
31,332

 
$
4,000

 
$
675

 
$
45,627

 
$
—

Services
13,744

 
9,555

 
9,529

 
26

 
26

 
7,378

 
—

Wholesale/retail
1,642

 
1,425

 
1,142

 
283

 
101

 
1,047

 
—

Manufacturing1
9,697

 
9,548

 
9,307

 
241

 
241

 
8,851

 
—

Healthcare
30,189

 
18,768

 
15,270

 
3,498

 
2,500

 
14,926

 
—

Public finance
—

 
—

 
—

 
—

 
—

 
—

 
—

Other commercial and industrial
25,899

 
15,730

 
15,730

 
—

 
—

 
16,215

 
—

Total commercial
153,786

 
90,358

 
82,310

 
8,048

 
3,543

 
94,044

 
—

 
 
 
 
 
 
 
 
 
 
 
 
 
 
Commercial real estate:
 

 
 

 
 

 
 

 
 

 
 

 
 

Residential construction and land development
1,306

 
350

 
350

 
—

 
—

 
350

 
—

Retail
20,491

 
20,159

 
20,159

 
—

 
—

 
20,219

 
—

Office
855

 
855

 
855

 
—

 
—

 
427

 
—

Multifamily
—

 
—

 
—

 
—

 
—

 
151

 
—

Industrial
—

 
—

 
—

 
—

 
—

 
—

 
—

Other commercial real estate
305

 
144

 
144

 
—

 
—

 
418

 
—

Total commercial real estate
22,957

 
21,508

 
21,508

 
—

 
—

 
21,565

 
—

 
 
 
 
 
 
 
 
 
 
 
 
 
 
Residential mortgage:
 

 
 

 
 

 
 

 
 

 
 

 
 

Permanent mortgage
27,658

 
22,937

 
22,937

 
—

 
—

 
23,444

 
298

Permanent mortgage guaranteed by U.S. government agencies2
198,882

 
193,308

 
193,308

 
—

 
—

 
196,407

 
1,905

Home equity
12,279

 
10,526

 
10,526

 
—

 
—

 
10,499

 
—

Total residential mortgage
238,819

 
226,771

 
226,771

 
—

 
—

 
230,350

 
2,203

 
 
 
 
 
 
 
 
 
 
 
 
 
 
Personal
358

 
302

 
302

 
—

 
—

 
266

 
—

 
 
 
 
 
 
 
 
 
 
 
 
 
 
Total
$
415,920

 
$
338,939

 
$
330,891

 
$
8,048

 
$
3,543

 
$
346,225

 
$
2,203

1 
Impaired manufacturing sector loans included $4.7 million of loans from an affiliated entity, with no allowance as the fair value of the collateral exceeded the outstanding principal balance at March 31, 2019.
2 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 March 31, 2019, the majority 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, 2018 follows (in thousands): 
 
 
 
 
Recorded Investment
 
 
Unpaid
Principal
Balance
 
Total
 
With No
Allowance
 
With Allowance
 
Related Allowance
Commercial:
 
 
 
 
 
 
 
 
 
 
Energy
 
$
79,675

 
$
47,494

 
$
18,639

 
$
28,855

 
$
5,362

Services
 
13,437

 
8,567

 
8,489

 
78

 
74

Wholesale/retail
 
1,722

 
1,316

 
1,015

 
301

 
101

Manufacturing
 
10,055

 
8,919

 
8,673

 
246

 
246

Healthcare
 
24,319

 
16,538

 
10,563

 
5,975

 
2,949

Public finance
 
—

 
—

 
—

 
—

 
—

Other commercial and industrial
 
26,955

 
17,007

 
17,007

 
—

 
—

Total commercial
 
156,163

 
99,841

 
64,386

 
35,455

 
8,732

 
 
 
 
 
 
 
 
 
 
 
Commercial real estate:
 
 

 
 

 
 

 
 

 
 

Residential construction and land development
 
1,306

 
350

 
350

 
—

 
—

Retail
 
27,680

 
20,279

 
20,279

 
—

 
—

Office
 
—

 
—

 
—

 
—

 
—

Multifamily
 
301

 
301

 
301

 
—

 
—

Industrial
 
—

 
—

 
—

 
—

 
—

Other commercial real estate
 
851

 
691

 
691

 
—

 
—

Total commercial real estate
 
30,138

 
21,621

 
21,621

 
—

 
—

 
 
 
 
 
 
 
 
 
 
 
Residential mortgage:
 
 

 
 

 
 

 
 

 
 

Permanent mortgage
 
28,716

 
23,951

 
23,951

 
—

 
—

Permanent mortgage guaranteed by U.S. government agencies1
 
196,296

 
190,866

 
190,866

 
—

 
—

Home equity
 
12,196

 
10,472

 
10,472

 
—

 
—

Total residential mortgage
 
237,208

 
225,289

 
225,289

 
—

 
—

 
 
 
 
 
 
 
 
 
 
 
Personal
 
278

 
230

 
230

 
—

 
—

 
 
 
 
 
 
 
 
 
 
 
Total
 
$
423,787

 
$
346,981

 
$
311,526

 
$
35,455

 
$
8,732

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, 2018, the majority were accruing based on the guarantee by U.S. government agencies.
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 March 31, 2019 is as follows (in thousands):
 
 
 
 
Past Due
 
 
 
 
 
 
Current
 
30 to 59
Days
 
60 to 89 Days
 
90 Days
or More
 
Nonaccrual
 
Total
Commercial:
 
 
 
 
 
 
 
 
 
 
 
 
Energy
 
$
3,669,767

 
$
—

 
$
—

 
$
—

 
$
35,332

 
$
3,705,099

Services
 
3,257,230

 
20,214

 
442

 
122

 
9,555

 
3,287,563

Wholesale/retail
 
1,704,415

 
833

 
227

 
—

 
1,425

 
1,706,900

Manufacturing
 
732,644

 
182

 
—

 
—

 
9,548

 
742,374

Healthcare
 
2,888,579

 
7,837

 
701

 
—

 
18,768

 
2,915,885

Public finance
 
803,083

 
—

 
—

 
—

 
—

 
803,083

Other commercial and industrial
 
782,507

 
2,695

 
—

 
139

 
15,730

 
801,071

Total commercial
 
13,838,225

 
31,761

 
1,370

 
261

 
90,358

 
13,961,975

 
 
 
 
 
 
 
 
 
 
 
 
 
Commercial real estate:
 
 

 
 

 
 
 
 

 
 

 
 

Residential construction and land development
 
143,184

 
6,152

 
—

 
—

 
350

 
149,686

Retail
 
870,526

 
—

 
—

 
—

 
20,159

 
890,685

Office
 
1,032,239

 
—

 
64

 
—

 
855

 
1,033,158

Multifamily
 
1,209,726

 
283

 
—

 
349

 
—

 
1,210,358

Industrial
 
767,757

 
—

 
—

 
—

 
—

 
767,757

Other commercial real estate
 
547,563

 
1,187

 
113

 
—

 
144

 
549,007

Total commercial real estate
 
4,570,995

 
7,622

 
177

 
349

 
21,508

 
4,600,651

 
 
 
 
 
 
 
 
 
 
 
 
 
Residential mortgage:
 
 

 
 

 
 
 
 

 
 

 
 

Permanent mortgage
 
1,070,150

 
5,394

 
—

 
—

 
22,937

 
1,098,481

Permanent mortgages guaranteed by U.S. government agencies
 
47,639

 
38,748

 
—

 
99,975

 
6,946

 
193,308

Home equity
 
886,019

 
4,118

 
168

 
—

 
10,526

 
900,831

Total residential mortgage
 
2,003,808

 
48,260

 
168

 
99,975

 
40,409

 
2,192,620

 
 
 
 
 
 
 
 
 
 
 
 
 
Personal
 
1,003,069

 
347

 
16

 
—

 
302

 
1,003,734

 
 
 
 
 
 
 
 
 
 
 
 
 
Total
 
$
21,416,097

 
$
87,990

 
$
1,731

 
$
100,585

 
$
152,577

 
$
21,758,980


A summary of loans currently performing, loans past due and accruing and nonaccrual loans as of December 31, 2018 is as follows (in thousands):

 
 
 
 
Past Due
 
 
 
 
 
 
Current
 
30 to 59
Days
 
60 to 89 Days
 
90 Days
or More
 
Nonaccrual
 
Total
Commercial:
 
 
 
 
 
 
 
 
 
 
 
 
Energy
 
$
3,542,839

 
$
—

 
$
—

 
$
—

 
$
47,494

 
$
3,590,333

Services
 
3,237,578

 
6,009

 
6,038

 
—

 
8,567

 
3,258,192

Wholesale/retail
 
1,619,290

 
515

 
37

 
—

 
1,316

 
1,621,158

Manufacturing
 
721,204

 
392

 
6

 
—

 
8,919

 
730,521

Healthcare
 
2,781,944

 
241

 
—

 
554

 
16,538

 
2,799,277

Public finance
 
804,550

 
—

 
—

 
—

 
—

 
804,550

Other commercial and industrial
 
814,489

 
518

 
25

 
8

 
17,007

 
832,047

Total commercial
 
13,521,894

 
7,675

 
6,106

 
562

 
99,841

 
13,636,078

 
 
 
 
 
 
 
 
 
 
 
 
 
Commercial real estate:
 
 

 
 

 
 
 
 

 
 

 
 

Residential construction and land development
 
147,705

 
249

 
280

 
—

 
350

 
148,584

Retail
 
884,424

 
14,379

 
—

 
—

 
20,279

 
919,082

Office
 
1,072,920

 
—

 
—

 
—

 
—

 
1,072,920

Multifamily
 
1,287,483

 
281

 
—

 
—

 
301

 
1,288,065

Industrial
 
776,898

 
1,208

 
—

 
—

 
—

 
778,106

Other commercial real estate
 
556,239

 
412

 
—

 
714

 
691

 
558,056

Total commercial real estate
 
4,725,669

 
16,529

 
280

 
714

 
21,621

 
4,764,813

 
 
 
 
 
 
 
 
 
 
 
 
 
Residential mortgage:
 
 

 
 

 
 
 
 

 
 

 
 

Permanent mortgage
 
1,095,097

 
3,196

 
366

 
—

 
23,951

 
1,122,610

Permanent mortgages guaranteed by U.S. government agencies
 
37,459

 
24,369

 
16,345

 
105,561

 
7,132

 
190,866

Home equity
 
904,572

 
1,102

 
352

 
59

 
10,472

 
916,557

Total residential mortgage
 
2,037,128

 
28,667

 
17,063

 
105,620

 
41,555

 
2,230,033

 
 
 
 
 
 
 
 
 
 
 
 
 
Personal
 
1,024,298

 
479

 
796

 
3

 
230

 
1,025,806

 
 
 
 
 
 
 
 
 
 
 
 
 
Total
 
$
21,308,989

 
$
53,350

 
$
24,245

 
$
106,899

 
$
163,247

 
$
21,656,730