XML 51 R41.htm IDEA: XBRL DOCUMENT v3.20.2
Loans and Allowances for Credit Losses, Activity in Allowance for Credit Losses (Details) - USD ($)
$ in Thousands
3 Months Ended 6 Months Ended
Jun. 30, 2020
Jun. 30, 2019
Jun. 30, 2020
Jun. 30, 2019
Jun. 30, 2020
Dec. 31, 2019
Financing Receivable, Allowance for Credit Loss [Roll Forward]            
Beginning balance - CECL $ 315,311   $ 236,568      
Beginning balance - Incurred Loss Model   $ 205,340 210,759 $ 207,457    
Provision for loan losses - CECL 134,365   230,329      
Provision for loan losses - incurred   4,918   12,887    
Loans charged off (15,570) (13,227) (34,487) (25,002)    
Recoveries of loans previously charged off 1,491 5,503 3,187 7,192    
Ending balance - CECL 435,597   435,597      
Ending balance - Incurred Loss Model 435,597 202,534 435,597 202,534    
Provision Details [Abstract]            
Change in provision due to changes in reasonable and supportable forecasts, primarily due to COVID-19 pandemic 54,600          
Other changes to provision 84,200          
Provision change due to changes in impairment, risk grading, and other portfolio changes 14,400          
Provision change due to risk grading 55,700          
Provision changes due to net charge-offs 14,100          
Off-Balance Sheet, Credit Loss, Liability [Roll Forward]            
Beginning balance - CECL 28,514   25,137      
Provision for off-balance sheet credit risk 4,405   7,782      
Ending balance - CECL 32,919   32,919      
Allowance for off-balance sheet credit losses [Roll Forward]            
Beginning balance - Incurred Loss Model   1,821   1,790    
Provision for off-balance sheet credit losses   82   113    
Ending balance - Incurred Loss Model   1,903   1,903    
Total provision for credit losses 135,321 5,000 229,092 13,000    
Recorded investment [Abstract]            
Collectively measured for impairment, recorded investment         $ 23,900,494 $ 21,570,036
Individually measured for impairment, recorded investment         255,396 180,951
Total         24,155,890 21,750,987
Related allowance [Abstract]            
Collectively measured for impairment, related allowance         411,274 176,150
Individually measured for impairment, related allowance         24,323 17,414
Total 435,597 202,534 210,759 202,534 435,597 210,759
Commercial [Member]            
Financing Receivable, Allowance for Credit Loss [Roll Forward]            
Beginning balance - CECL 213,438   151,868      
Beginning balance - Incurred Loss Model   103,577 118,187 102,226    
Provision for loan losses - CECL 111,153   188,876      
Provision for loan losses - incurred   13,771   24,879    
Loans charged off (14,487) (11,385) (31,102) (21,853)    
Recoveries of loans previously charged off 318 434 780 1,145    
Ending balance - CECL 310,422   310,422      
Ending balance - Incurred Loss Model 310,422 106,397 310,422 106,397    
Off-Balance Sheet, Credit Loss, Liability [Roll Forward]            
Beginning balance - CECL 14,040   11,578      
Provision for off-balance sheet credit risk 542   3,004      
Ending balance - CECL 14,582   14,582      
Allowance for off-balance sheet credit losses [Roll Forward]            
Beginning balance - Incurred Loss Model   1,725   1,655    
Provision for off-balance sheet credit losses   17   87    
Ending balance - Incurred Loss Model   1,742   1,742    
Total provision for credit losses   13,788   24,966    
Recorded investment [Abstract]            
Collectively measured for impairment, recorded investment         13,956,511 13,916,234
Individually measured for impairment, recorded investment         201,999 115,416
Total         14,158,510 14,031,650
Related allowance [Abstract]            
Collectively measured for impairment, related allowance         286,639 100,773
Individually measured for impairment, related allowance         23,783 17,414
Total 310,422 106,397 118,187 106,397 310,422 118,187
Commercial real estate [Member]            
Financing Receivable, Allowance for Credit Loss [Roll Forward]            
Beginning balance - CECL 51,461   47,185      
Beginning balance - Incurred Loss Model   58,134 51,805 60,026    
Provision for loan losses - CECL 17,221   22,336      
Provision for loan losses - incurred   (8,173)   (10,177)    
Loans charged off (1) (118) (887) (118)    
Recoveries of loans previously charged off 75 4,345 122 4,457    
Ending balance - CECL 68,756   68,756      
Ending balance - Incurred Loss Model 68,756 54,188 68,756 54,188    
Off-Balance Sheet, Credit Loss, Liability [Roll Forward]            
Beginning balance - CECL 12,575   11,767      
Provision for off-balance sheet credit risk 3,844   4,652      
Ending balance - CECL 16,419   16,419      
Allowance for off-balance sheet credit losses [Roll Forward]            
Beginning balance - Incurred Loss Model   48   52    
Provision for off-balance sheet credit losses   68   64    
Ending balance - Incurred Loss Model   116   116    
Total provision for credit losses   (8,105)   (10,113)    
Recorded investment [Abstract]            
Collectively measured for impairment, recorded investment         4,540,188 4,406,157
Individually measured for impairment, recorded investment         13,956 27,626
Total         4,554,144 4,433,783
Related allowance [Abstract]            
Collectively measured for impairment, related allowance         68,216 51,805
Individually measured for impairment, related allowance         540 0
Total 68,756 54,188 51,805 54,188 68,756 51,805
Paycheck Protection Program            
Financing Receivable, Allowance for Credit Loss [Roll Forward]            
Beginning balance - CECL 0   0      
Provision for loan losses - CECL 0   0      
Loans charged off 0   0      
Recoveries of loans previously charged off 0   0      
Ending balance - CECL 0   0      
Ending balance - Incurred Loss Model 0   0      
Off-Balance Sheet, Credit Loss, Liability [Roll Forward]            
Beginning balance - CECL 0   0      
Provision for off-balance sheet credit risk 0   0      
Ending balance - CECL 0   0      
Recorded investment [Abstract]            
Collectively measured for impairment, recorded investment         2,081,428  
Individually measured for impairment, recorded investment         0  
Total         2,081,428  
Related allowance [Abstract]            
Collectively measured for impairment, related allowance         0  
Individually measured for impairment, related allowance         0  
Total 0   0   0  
Loans to individuals [Member]            
Financing Receivable, Allowance for Credit Loss [Roll Forward]            
Beginning balance - CECL 50,412   37,515      
Provision for loan losses - CECL 5,991   19,117      
Loans charged off (1,082)   (2,498)      
Recoveries of loans previously charged off 1,098   2,285      
Ending balance - CECL 56,419   56,419      
Ending balance - Incurred Loss Model 56,419   56,419      
Off-Balance Sheet, Credit Loss, Liability [Roll Forward]            
Beginning balance - CECL 1,899   1,792      
Provision for off-balance sheet credit risk 19   126      
Ending balance - CECL 1,918   1,918      
Recorded investment [Abstract]            
Collectively measured for impairment, recorded investment         3,322,367  
Individually measured for impairment, recorded investment         39,441  
Total         3,361,808 2,084,172
Related allowance [Abstract]            
Collectively measured for impairment, related allowance         56,419  
Individually measured for impairment, related allowance         0  
Total 56,419   56,419   56,419  
Loans to individuals [Member] | Residential mortgage [Member]            
Financing Receivable, Allowance for Credit Loss [Roll Forward]            
Beginning balance - Incurred Loss Model   15,668 14,400 17,964    
Provision for loan losses - incurred   1   (2,407)    
Loans charged off   (94)   (136)    
Recoveries of loans previously charged off   149   303    
Ending balance - Incurred Loss Model   15,724   15,724    
Allowance for off-balance sheet credit losses [Roll Forward]            
Beginning balance - Incurred Loss Model   47   52    
Provision for off-balance sheet credit losses   (3)   (8)    
Ending balance - Incurred Loss Model   44   44    
Total provision for credit losses   (2)   (2,415)    
Recorded investment [Abstract]            
Collectively measured for impairment, recorded investment           2,046,550
Individually measured for impairment, recorded investment           37,622
Total         1,813,442 2,084,172
Related allowance [Abstract]            
Collectively measured for impairment, related allowance           14,400
Individually measured for impairment, related allowance           0
Total   15,724 14,400 17,964   14,400
Loans to individuals [Member] | Personal [Member]            
Financing Receivable, Allowance for Credit Loss [Roll Forward]            
Beginning balance - Incurred Loss Model   8,783 9,172 9,473    
Provision for loan losses - incurred   1,660   1,523    
Loans charged off   (1,630)   (2,895)    
Recoveries of loans previously charged off   575   1,287    
Ending balance - Incurred Loss Model   9,388   9,388    
Allowance for off-balance sheet credit losses [Roll Forward]            
Beginning balance - Incurred Loss Model   1   31    
Provision for off-balance sheet credit losses   0   (30)    
Ending balance - Incurred Loss Model   1   1    
Total provision for credit losses   1,660   1,493    
Recorded investment [Abstract]            
Collectively measured for impairment, recorded investment           1,201,095
Individually measured for impairment, recorded investment           287
Total         $ 1,226,097 1,201,382
Related allowance [Abstract]            
Collectively measured for impairment, related allowance           9,172
Individually measured for impairment, related allowance           0
Total   9,388 9,172 9,473   9,172
Specific Allowance [Member]            
Financing Receivable, Allowance for Credit Loss [Roll Forward]            
Beginning balance - Incurred Loss Model     193,564      
Recorded investment [Abstract]            
Collectively measured for impairment, recorded investment           21,570,036
Individually measured for impairment, recorded investment           180,951
Total           21,750,987
Related allowance [Abstract]            
Collectively measured for impairment, related allowance           176,150
Individually measured for impairment, related allowance           17,414
Total     193,564     193,564
Nonspecific Allowance [Member]            
Financing Receivable, Allowance for Credit Loss [Roll Forward]            
Beginning balance - CECL 0   0      
Beginning balance - Incurred Loss Model   19,178 17,195 17,768    
Provision for loan losses - CECL 0   0      
Provision for loan losses - incurred   (2,341)   (931)    
Loans charged off 0 0 0 0    
Recoveries of loans previously charged off 0 0 0 0    
Ending balance - CECL 0   0      
Ending balance - Incurred Loss Model   16,837   16,837    
Off-Balance Sheet, Credit Loss, Liability [Roll Forward]            
Beginning balance - CECL 0   0      
Provision for off-balance sheet credit risk 0   0      
Ending balance - CECL $ 0   0      
Allowance for off-balance sheet credit losses [Roll Forward]            
Beginning balance - Incurred Loss Model   0   0    
Provision for off-balance sheet credit losses   0   0    
Ending balance - Incurred Loss Model   0   0    
Total provision for credit losses   (2,341)   (931)    
Recorded investment [Abstract]            
Collectively measured for impairment, recorded investment           0
Individually measured for impairment, recorded investment           0
Total           0
Related allowance [Abstract]            
Collectively measured for impairment, related allowance           0
Individually measured for impairment, related allowance           0
Total   $ 16,837 17,195 $ 17,768   $ 17,195
Previously Reported [Member]            
Financing Receivable, Allowance for Credit Loss [Roll Forward]            
Beginning balance - CECL     210,759      
Off-Balance Sheet, Credit Loss, Liability [Roll Forward]            
Beginning balance - CECL     1,585      
Previously Reported [Member] | Commercial [Member]            
Financing Receivable, Allowance for Credit Loss [Roll Forward]            
Beginning balance - CECL     118,187      
Off-Balance Sheet, Credit Loss, Liability [Roll Forward]            
Beginning balance - CECL     1,434      
Previously Reported [Member] | Commercial real estate [Member]            
Financing Receivable, Allowance for Credit Loss [Roll Forward]            
Beginning balance - CECL     51,805      
Off-Balance Sheet, Credit Loss, Liability [Roll Forward]            
Beginning balance - CECL     107      
Previously Reported [Member] | Paycheck Protection Program            
Financing Receivable, Allowance for Credit Loss [Roll Forward]            
Beginning balance - CECL     0      
Off-Balance Sheet, Credit Loss, Liability [Roll Forward]            
Beginning balance - CECL     0      
Previously Reported [Member] | Loans to individuals [Member]            
Financing Receivable, Allowance for Credit Loss [Roll Forward]            
Beginning balance - CECL     23,572      
Off-Balance Sheet, Credit Loss, Liability [Roll Forward]            
Beginning balance - CECL     44      
Previously Reported [Member] | Nonspecific Allowance [Member]            
Financing Receivable, Allowance for Credit Loss [Roll Forward]            
Beginning balance - CECL     17,195      
Off-Balance Sheet, Credit Loss, Liability [Roll Forward]            
Beginning balance - CECL     0      
Restatement Adjustment [Member]            
Financing Receivable, Allowance for Credit Loss [Roll Forward]            
Beginning balance - CECL     25,809      
Off-Balance Sheet, Credit Loss, Liability [Roll Forward]            
Beginning balance - CECL     23,552      
Restatement Adjustment [Member] | Commercial [Member]            
Financing Receivable, Allowance for Credit Loss [Roll Forward]            
Beginning balance - CECL     33,681      
Off-Balance Sheet, Credit Loss, Liability [Roll Forward]            
Beginning balance - CECL     10,144      
Restatement Adjustment [Member] | Commercial real estate [Member]            
Financing Receivable, Allowance for Credit Loss [Roll Forward]            
Beginning balance - CECL     (4,620)      
Off-Balance Sheet, Credit Loss, Liability [Roll Forward]            
Beginning balance - CECL     11,660      
Restatement Adjustment [Member] | Paycheck Protection Program            
Financing Receivable, Allowance for Credit Loss [Roll Forward]            
Beginning balance - CECL     0      
Off-Balance Sheet, Credit Loss, Liability [Roll Forward]            
Beginning balance - CECL     0      
Restatement Adjustment [Member] | Loans to individuals [Member]            
Financing Receivable, Allowance for Credit Loss [Roll Forward]            
Beginning balance - CECL     13,943      
Off-Balance Sheet, Credit Loss, Liability [Roll Forward]            
Beginning balance - CECL     1,748      
Restatement Adjustment [Member] | Nonspecific Allowance [Member]            
Financing Receivable, Allowance for Credit Loss [Roll Forward]            
Beginning balance - CECL     (17,195)      
Off-Balance Sheet, Credit Loss, Liability [Roll Forward]            
Beginning balance - CECL     $ 0