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Loans and Allowances for Credit Losses (Tables)
6 Months Ended 12 Months Ended
Jun. 30, 2020
Dec. 31, 2019
Loans and Leases Receivable, Net Amount [Abstract]    
Schedule of Loans by Portfolio Segment [Table Text Block]
Portfolio segments of the loan portfolio are as follows (in thousands):
 June 30, 2020
Fixed
Rate
Variable
Rate
Non-accrualTotal
Commercial3,215,865  10,740,646  201,999  $14,158,510  
Commercial real estate
1,029,544  3,510,644  13,956  4,554,144  
Paycheck protection program2,081,428  —  —  2,081,428  
Loans to individuals2,038,990  1,283,377  39,441  3,361,808  
Total$8,365,827  $15,534,667  $255,396  $24,155,890  
Portfolio segments of the loan portfolio are as follows (in thousands):
 December 31, 2019
Fixed
Rate
Variable
Rate
Non-accrualTotal
Commercial$3,231,485  $10,684,749  $115,416  $14,031,650  
Commercial real estate
1,056,321  3,349,836  27,626  4,433,783  
Residential mortgage1,652,653  393,897  37,622  2,084,172  
Personal193,903  1,007,192  287  1,201,382  
Total$6,134,362  $15,435,674  $180,951  $21,750,987  
Accruing loans past due (90 days)1
   $7,680  
1Excludes 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 is summarized as follows (in thousands):
Three Months Ended
June 30, 2020
 CommercialCommercial Real EstatePaycheck Protection ProgramLoans to IndividualsNonspecific AllowanceTotal
Allowance for loan losses:     
Beginning balance$213,438  $51,461  $—  $50,412  $—  $315,311  
Provision for loan losses111,153  17,221  —  5,991  —  134,365  
Loans charged off(14,487) (1) —  (1,082) —  (15,570) 
Recoveries of loans previously charged off
318  75  —  1,098  —  1,491  
Ending Balance$310,422  $68,756  $—  $56,419  —  $435,597  
Allowance for off-balance sheet credit risk from unfunded loan commitments:
Beginning balance$14,040  $12,575  $—  $1,899  $—  $28,514  
Provision for off-balance sheet credit risk
542  3,844  —  19  —  4,405  
Ending Balance$14,582  $16,419  $—  $1,918  $—  $32,919  
Six Months Ended
June 30, 2020
 CommercialCommercial Real EstatePaycheck Protection ProgramLoans to IndividualsNonspecific AllowanceTotal
Allowance for loan losses:      
Beginning balance$118,187  $51,805  $—  $23,572  $17,195  $210,759  
Transition adjustment33,681  (4,620) —  13,943  (17,195) 25,809  
Beginning balance, adjusted151,868  47,185  —  37,515  —  236,568  
Provision for loan losses188,876  22,336  —  19,117  —  230,329  
Loans charged off(31,102) (887) —  (2,498) —  (34,487) 
Recoveries780  122  —  2,285  —  3,187  
Ending balance$310,422  $68,756  $—  $56,419  $—  $435,597  
Allowance for off-balance sheet credit risk from unfunded loan commitments:
Beginning balance$1,434  $107  $—  $44  $—  $1,585  
Transition adjustment10,144  11,660  —  1,748  —  23,552  
Beginning balance, adjusted11,578  11,767  —  1,792  —  25,137  
Provision for off-balance sheet credit losses
3,004  4,652  —  126  —  7,782  
Ending balance$14,582  $16,419  $—  $1,918  $—  $32,919  

Changes in our reasonable and supportable forecasts of macroeconomic variables, primarily due to the anticipated impact of the on-going COVID-19 pandemic, and other assumptions, required a provision of $54.6 million during the second quarter of 2020. All other changes totaled $84.2 million, $14.4 million related to changes in impairment, $55.7 million related to risk grading and other portfolio changes and net charge-offs of $14.1 million.

The allowance for loan losses and recorded investment of the related loans by portfolio segment for each measurement method at June 30, 2020 is as follows (in thousands):
 Collectively Measured
for General Allowances
Individually Measured
for Specific Allowances
Total
 Recorded InvestmentRelated AllowanceRecorded InvestmentRelated AllowanceRecorded InvestmentRelated
Allowance
Commercial$13,956,511  $286,639  $201,999  $23,783  $14,158,510  $310,422  
Commercial real estate4,540,188  68,216  13,956  540  4,554,144  68,756  
Paycheck protection program2,081,428  —  —  —  2,081,428  —  
Loans to individuals3,322,367  56,419  39,441  —  3,361,808  56,419  
Total23,900,494  411,274  255,396  24,323  24,155,890  435,597  
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 is summarized as follows (in thousands):
Three Months Ended
June 30, 2019
 CommercialCommercial Real EstateResidential MortgagePersonalNonspecific AllowanceTotal
Allowance for loan losses:      
Beginning balance$103,577  $58,134  $15,668  $8,783  $19,178  $205,340  
Provision for loan losses13,771  (8,173)  1,660  (2,341) 4,918  
Loans charged off(11,385) (118) (94) (1,630) —  (13,227) 
Recoveries434  4,345  149  575  —  5,503  
Ending balance$106,397  $54,188  $15,724  $9,388  $16,837  $202,534  
Allowance for off-balance sheet credit losses:      
Beginning balance1,725  48  47   —  $1,821  
Provision for off-balance sheet credit losses
17  68  (3) —  —  82  
Ending balance$1,742  $116  $44  $ $—  $1,903  
Total provision for credit losses$13,788  $(8,105) $(2) $1,660  $(2,341) $5,000  

Six Months Ended
June 30, 2019
 CommercialCommercial Real EstateResidential MortgagePersonalNonspecific AllowanceTotal
Allowance for loan losses:      
Beginning balance$102,226  $60,026  $17,964  $9,473  $17,768  $207,457  
Provision for loan losses24,879  (10,177) (2,407) 1,523  (931) 12,887  
Loans charged off(21,853) (118) (136) (2,895) —  (25,002) 
Recoveries1,145  4,457  303  1,287  —  7,192  
Ending balance$106,397  $54,188  $15,724  $9,388  $16,837  $202,534  
Allowance for off-balance sheet credit losses:      
Beginning balance$1,655  $52  $52  $31  $—  $1,790  
Provision for off-balance sheet credit losses
87  64  (8) (30) —  113  
Ending balance$1,742  $116  $44  $ $—  $1,903  
Total provision for credit losses$24,966  $(10,113) $(2,415) $1,493  $(931) $13,000  
The allowance for loan losses and recorded investment of the related loans by portfolio segment for each impairment measurement method at December 31, 2019 is as follows (in thousands):
 Collectively Measured
for Impairment
Individually Measured
for Impairment
Total
 Recorded InvestmentRelated AllowanceRecorded InvestmentRelated AllowanceRecorded InvestmentRelated
Allowance
Commercial$13,916,234  $100,773  $115,416  $17,414  $14,031,650  $118,187  
Commercial real estate4,406,157  51,805  27,626  —  4,433,783  51,805  
Residential mortgage2,046,550  14,400  37,622  —  2,084,172  14,400  
Personal1,201,095  9,172  287  —  1,201,382  9,172  
Total21,570,036  176,150  180,951  17,414  21,750,987  193,564  
Nonspecific allowance—  —  —  —  —  17,195  
Total$21,570,036  $176,150  $180,951  $17,414  $21,750,987  $210,759  
Schedule of Credit Quality Indicators [Table Text Block]
The following table summarizes the Company’s loan portfolio at June 30, 2020 by the risk grade categories and vintage (in thousands): 
Origination Year
20202019201820172016PriorRevolving LoansRevolving Loans Converted to Term LoansTotal
Commercial:
Energy
Pass$23,119  $62,250  $94,216  $8,344  $1,427  $2,908  $2,664,680  $—  $2,856,944  
Special Mention—  —  9,720  —  —  —  493,719  —  503,439  
Accruing Substandard
—  —  194  —  49  —  450,559  —  450,802  
Nonaccrual—  6,586  15,496  —  —  38,325  102,582  —  162,989  
Total energy
23,119  68,836  119,626  8,344  1,476  41,233  3,711,540  —  3,974,174  
Healthcare
Pass212,781  609,757  641,607  489,096  248,094  767,193  245,123  —  3,213,651  
Special Mention—  27,500  —  3,714  —  13,771  3,515  —  48,500  
Accruing Substandard
—  3,176  7,746  973  161  11,491  —  —  23,547  
Nonaccrual—  18  183  —  —  2,935  509  —  3,645  
Total healthcare212,781  640,451  649,536  493,783  248,255  795,390  249,147  —  3,289,343  
Services
Pass335,961  475,608  437,812  366,772  400,480  857,564  743,258  673  3,618,128  
Special Mention—  3,919  1,474  170  4,513  3,626  35,203  —  48,905  
Accruing Substandard
98  12,077  26,814  12,393  8,123  4,753  27,558  —  91,816  
Nonaccrual—  2,978  —  8,647  1,153  7,529  725  —  21,032  
Total services336,059  494,582  466,100  387,982  414,269  873,472  806,744  673  3,779,881  
General business
Pass256,821  485,956  359,249  256,403  147,056  251,326  1,258,843  2,671  3,018,325  
Special Mention—  10,196  763  11,244  941  4,046  3,404  —  30,594  
Accruing Substandard
21  13,906  13,989  2,353  6,216  5,206  10,165   51,860  
Nonaccrual1,675  3,713  5,168  1,938  1,315  140  369  15  14,333  
Total general business
258,517  513,771  379,169  271,938  155,528  260,718  1,272,781  2,690  3,115,112  
Total commercial
830,476  1,717,640  1,614,431  1,162,047  819,528  1,970,813  6,040,212  3,363  14,158,510  
Commercial real estate:
Pass345,439  1,131,573  1,037,584  536,047  378,852  852,020  234,148  —  4,515,663  
Special Mention—  —  —  12,200  1,622  3,283  100  —  17,205  
Accruing Substandard
—  —  —  7,228  —  65  27  —  7,320  
Nonaccrual—  —  —  232  7,477  803  5,444  —  13,956  
Total commercial real estate
345,439  1,131,573  1,037,584  555,707  387,951  856,171  239,719  —  4,554,144  
Origination Year
20202019201820172016PriorRevolving LoansRevolving Loans Converted to Term LoansTotal
Paycheck protection program:
Pass2,081,428  —  —  —  —  —  —  —  2,081,428  
Total paycheck protection program2,081,428  —  —  —  —  —  —  —  2,081,428  
Loans to individuals:
Residential mortgage
Pass226,396  191,344  161,193  187,649  196,218  438,056  349,610  26,679  1,777,145  
Special Mention—  —  2,011  192  12  437  329  —  2,981  
Accruing Substandard
—  —  123  —  40   —  51  218  
Nonaccrual—  588  1,614  554  1,142  26,339  2,170  691  33,098  
Total residential mortgage
226,396  191,932  164,941  188,395  197,412  464,836  352,109  27,421  1,813,442  
Residential mortgage guaranteed by U.S. government agencies
Pass751  6,794  19,678  24,184  46,676  218,076  —  —  316,159  
Nonaccrual—  —  244  —  —  5,866  —  —  6,110  
Total residential mortgage guaranteed by U.S. government agencies
751  6,794  19,922  24,184  46,676  223,942  —  —  322,269  
Personal:
Pass123,394  246,327  83,000  115,562  71,036  99,322  479,958  1,738  1,220,337  
Special Mention—  50  16  28  55  5,087  10  —  5,246  
Accruing Substandard
19  229  11   —  —  16  —  281  
Nonaccrual—  22  60  29  47  44  31  —  233  
Total personal
123,413  246,628  83,087  115,625  71,138  104,453  480,015  1,738  1,226,097  
Total loans to individuals
350,560  445,354  267,950  328,204  315,226  793,231  832,124  29,159  3,361,808  
Total loans
$3,607,903  $3,294,567  $2,919,965  $2,045,958  $1,522,705  $3,620,215  $7,112,055  $32,522  $24,155,890  
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, 2019 is as follows (in thousands):
 Internally Risk GradedNon-GradedTotal
 Recorded InvestmentRelated AllowanceRecorded InvestmentRelated AllowanceRecorded InvestmentRelated
Allowance
Commercial$13,997,538  $117,236  $34,112  $951  $14,031,650  $118,187  
Commercial real estate4,433,783  51,805  —  —  4,433,783  51,805  
Residential mortgage279,113  3,085  1,805,059  11,315  2,084,172  14,400  
Personal1,116,297  7,003  85,085  2,169  1,201,382  9,172  
Total19,826,731  179,129  1,924,256  14,435  21,750,987  193,564  
Nonspecific allowance—  —  —  —  —  17,195  
Total$19,826,731  $179,129  $1,924,256  $14,435  $21,750,987  $210,759  
The following table summarizes the Company’s loan portfolio at December 31, 2019 by the risk grade categories (in thousands): 
 Internally Risk GradedNon-Graded 
Performing
 PassOther Loans Especially MentionedAccruing SubstandardNonaccrualPerformingNonaccrualTotal
Commercial:      
Energy$3,700,406  $117,298  $63,951  $91,722  $—  $—  $3,973,377  
Services3,050,946  29,943  33,791  7,483  —  —  3,122,163  
Wholesale/retail1,749,023  5,281  5,399  1,163  —  —  1,760,866  
Manufacturing623,219  18,214  13,883  10,133  —  —  665,449  
Healthcare2,995,514  13,117  20,805  4,480  —  —  3,033,916  
Public finance
709,868  —  —  —  —  —  709,868  
Other commercial and industrial
709,729  4,028  17,744  398  34,075  37  766,011  
Total commercial13,538,705  187,881  155,573  115,379  34,075  37  14,031,650  
Commercial real estate:      
Residential construction and land development
150,529  —  —  350  —  —  150,879  
Retail743,343  12,067  1,243  18,868  —  —  775,521  
Office923,202  5,177  —  —  —  —  928,379  
Multifamily1,257,005  1,604  95  6,858  —  —  1,265,562  
Industrial852,539  1,658  1,011  909  —  —  856,117  
Other commercial real estate
455,045  1,639  —  641  —  —  457,325  
Total commercial real estate
4,381,663  22,145  2,349  27,626  —  —  4,433,783  
Residential mortgage:      
Permanent mortgage276,138  78  2,404  493  758,260  19,948  1,057,321  
Permanent mortgage guaranteed by U.S. government agencies
—  —  —  —  191,694  6,100  197,794  
Home equity—  —  —  —  817,976  11,081  829,057  
Total residential mortgage
276,138  78  2,404  493  1,767,930  37,129  2,084,172  
Personal1,116,196  45  —  56  84,853  232  1,201,382  
Total$19,312,702  $210,149  $160,326  $143,554  $1,886,858  $37,398  $21,750,987  
Summary of Impaired Loans [Table Text Block]  
A summary of impaired loans at December 31, 2019 follows (in thousands): 
  Recorded Investment
 Unpaid
Principal
Balance
TotalWith No
Allowance
With AllowanceRelated Allowance
Commercial:     
Energy$149,441  $91,722  $44,244  $47,478  $16,854  
Services10,923  7,483  6,301  1,182  240  
Wholesale/retail1,980  1,163  902  261  101  
Manufacturing10,848  10,133  9,914  219  219  
Healthcare13,774  4,480  4,480  —  —  
Public finance—  —  —  —  —  
Other commercial and industrial8,227  435  435  —  —  
Total commercial195,193  115,416  66,276  49,140  17,414  
Commercial real estate:     
Residential construction and land development1,306  350  350  —  —  
Retail20,265  18,868  18,868  —  —  
Office—  —  —  —  —  
Multifamily6,858  6,858  6,858  —  —  
Industrial909  909  909  —  —  
Other commercial real estate801  641  641  —  —  
Total commercial real estate30,139  27,626  27,626  —  —  
Residential mortgage:     
Permanent mortgage24,868  20,441  20,441  —  —  
Permanent mortgage guaranteed by U.S. government agencies1
204,187  197,794  197,794  —  —  
Home equity12,967  11,081  11,081  —  —  
Total residential mortgage242,022  229,316  229,316  —  —  
Personal360  287  287  —  —  
Total$467,714  $372,645  $323,505  $49,140  $17,414  
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, 2019, the majority were accruing based on the guarantee by U.S. government agencies.
Summary of Loans by Aging Status [Table Text Block]
A summary of loans currently performing and past due as of June 30, 2020 is as follows (in thousands):
  Past Due Past Due 90 Days or More and Accruing
 Current30 to 59
Days
60 to 89 Days90 Days
or More
Total
Commercial:    
Energy$3,893,481  $32,439  $3,889  $44,365  $3,974,174  $—  
Healthcare3,284,305  1,216  177  3,645  3,289,343  —  
Services3,754,841  7,357  4,440  13,243  3,779,881  632  
General business3,087,741  9,235  1,169  16,967  3,115,112  9,833  
Total commercial14,020,368  50,247  9,675  78,220  14,158,510  10,465  
Commercial real estate4,536,541  2,749  5,874  8,980  4,554,144  469  
Paycheck protection program2,081,428  —  —  —  2,081,428  —  
Loans to individuals:    
Residential mortgage1,797,197  7,254  1,360  7,631  1,813,442  42  
Residential mortgage guaranteed by U.S. government agencies
60,121  20,494  15,908  225,746  322,269  221,201  
Personal1,225,469  477  58  93  1,226,097  16  
Total loans to individuals3,082,787  28,225  17,326  233,470  3,361,808  221,259  
Total$23,721,124  $81,221  $32,875  $320,670  $24,155,890  $232,193  
A summary of loans currently performing, loans past due and accruing and nonaccrual loans as of December 31, 2019 is as follows (in thousands):
  Past Due 
 Current30 to 59
Days
60 to 89 Days90 Days
or More
NonaccrualTotal
Commercial:    
Energy$3,881,244  $401  $10  $—  91,722  $3,973,377  
Services3,105,621  1,737  523  6,799  7,483  3,122,163  
Wholesale1,758,878  712  113  —  1,163  1,760,866  
Manufacturing654,329  410  190  387  10,133  665,449  
Healthcare3,027,329  2,039  —  68  4,480  3,033,916  
Public finance707,638  2,230  —  —  —  709,868  
Other commercial and industrial764,390  414  772  —  435  766,011  
Total commercial13,899,429  7,943  1,608  7,254  115,416  14,031,650  
Commercial real estate:
Residential construction and land development
147,379  3,093  —  57  350  150,879  
Retail756,653  —  —  —  18,868  775,521  
Office928,379  —  —  —  —  928,379  
Multifamily1,258,704  —  —  —  6,858  1,265,562  
Industrial855,208  —  —  —  909  856,117  
Other commercial real estate454,253  1,827  250  354  641  457,325  
Total commercial real estate4,400,576  4,920  250  411  27,626  4,433,783  
Residential Mortgage:
Permanent mortgage1,034,716  2,011  153  —  20,441  1,057,321  
Permanent mortgage guaranteed by U.S. government agencies
46,898  24,203  18,187  102,406  6,100  197,794  
Home equity814,325  3,343  308  —  11,081  829,057  
Total residential mortgage1,895,939  29,557  18,648  102,406  37,622  2,084,172  
Personal1,196,362  4,664  54  15  287  1,201,382  
Total$21,392,306  $47,084  $20,560  $110,086  $180,951  $21,750,987  
Financing Receivable, Nonaccrual [Table Text Block]
A summary of nonaccruing loans at June 30, 2020 follows (in thousands): 
As of June 30, 2020
 TotalWith No
Allowance
With AllowanceRelated Allowance
Commercial:    
Energy$162,989  $85,171  $77,818  $20,863  
Healthcare3,645  3,645  —  —  
Services21,032  15,503  5,529  2,574  
General business14,333  13,014  1,319  346  
Total commercial201,999  117,333  84,666  23,783  
Commercial real estate13,956  8,511  5,445  540  
Loans to individuals:    
Residential mortgage33,098  33,098  —  —  
Residential mortgage guaranteed by U.S. government agencies
6,110  6,110  —  —  
Personal233  233  —  —  
Total loans to individuals39,441  39,441  —  —  
Total$255,396  $165,285  $90,111  $24,323