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Loans (Tables)
 12 Months Ended
Dec. 31, 2015
Receivables [Abstract]  
Schedule of Non-Covered and Covered Loans
Loans consist of the following, segregated into legacy and acquired loans, for the periods indicated:
    
 
December 31, 2015
(Dollars in thousands)
Legacy Loans
 
Acquired Loans
 
Total
Commercial loans:
 
 
 
 
 
Real estate
$
4,504,062

 
$
1,569,449

 
$
6,073,511

Commercial and industrial
2,952,102

 
492,476

 
3,444,578

Energy-related
677,177

 
3,589

 
680,766

 
8,133,341

 
2,065,514

 
10,198,855

Residential mortgage loans:
 
 
 
 
 
Residential 1-4 family
610,986

 
501,296

 
1,112,282

Construction / Owner Occupied
83,037

 
—

 
83,037

 
694,023

 
501,296

 
1,195,319

Consumer and other loans:
 
 
 
 
 
Home equity
1,575,643

 
490,524

 
2,066,167

Indirect automobile
246,214

 
84

 
246,298

Other
541,299

 
79,490

 
620,789

 
2,363,156

 
570,098

 
2,933,254

Total
$
11,190,520

 
$
3,136,908

 
$
14,327,428

 
December 31, 2014
(Dollars in thousands)
Legacy Loans
 
Acquired Loans
 
Total
Commercial loans:
 
 
 
 
 
Real estate
$
3,676,811

 
$
684,968

 
$
4,361,779

Commercial and industrial
2,452,521

 
119,174

 
2,571,695

Energy-related
872,866

 
7,742

 
880,608

 
7,002,198

 
811,884

 
7,814,082

Residential mortgage loans:
 
 
 
 
 
Residential 1-4 family
495,638

 
552,603

 
1,048,241

Construction / Owner Occupied
32,056

 
—

 
32,056

 
527,694

 
552,603

 
1,080,297

Consumer and other loans:
 
 
 
 
 
Home equity
1,290,976

 
310,129

 
1,601,105

Indirect automobile
396,766

 
392

 
397,158

Other
451,080

 
97,322

 
548,402

 
2,138,822

 
407,843

 
2,546,665

Total
$
9,668,714

 
$
1,772,330

 
$
11,441,044
Schedule of Aging of Loans
 
December 31, 2015
 
Acquired loans
 
Past Due (1)
 
Current
 
Discount/ Premium
 
Total Acquired Loans, Net of Unearned Income
 
Recorded Investment > 90 days and Accruing
(Dollars in thousands)
30-59 days
 
60-89 days
 
> 90 days
 
Total
 
Commercial real estate - Construction
$
216

 
$
117

 
$
6,994

 
$
7,327

 
$
120,467

 
$
(2,368
)
 
$
125,426

 
$
6,994

Commercial real estate - Other
4,295

 
2,024

 
53,558

 
59,877

 
1,434,966

 
(50,820
)
 
1,444,023

 
52,067

Commercial and industrial
1,016

 
1,276

 
6,829

 
9,121

 
490,255

 
(6,900
)
 
492,476

 
5,674

Energy-related
—

 
—

 
1,368

 
1,368

 
2,221

 
—

 
3,589

 
1,198

Residential mortgage
73

 
1,806

 
22,873

 
24,752

 
506,103

 
(29,559
)
 
501,296

 
21,765

Consumer - Home equity
2,859

 
997

 
12,525

 
16,381

 
503,635

 
(29,492
)
 
490,524

 
11,234

Consumer - Indirect automobile
—

 
—

 
12

 
12

 
72

 
—

 
84

 
12

Consumer - Credit Card
—

 
—

 
17

 
17

 
565

 
—

 
582

 
17

Consumer - Other
580

 
211

 
667

 
1,458

 
79,167

 
(1,717
)
 
78,908

 
461

Total
$
9,039

 
$
6,431

 
$
104,843

 
$
120,313

 
$
3,137,451

 
$
(120,856
)
 
$
3,136,908

 
$
99,422

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
December 31, 2014
 
Acquired loans
 
Past Due (1)
 
Current
 
Discount/ Premium
 
Total Acquired Loans, Net of Unearned Income
 
Recorded Investment > 90 days and Accruing
(Dollars in thousands)
30-59 days
 
60-89 days
 
> 90 days
 
Total
 
Commercial real estate - Construction
$
2,740

 
$
57

 
$
8,225

 
$
11,022

 
$
64,393

 
$
(4,482
)
 
$
70,933

 
$
8,225

Commercial real estate - Other
4,986

 
3,330

 
67,302

 
75,618

 
588,947

 
(50,530
)
 
614,035

 
67,198

Commercial and industrial
2,118

 
70

 
4,528

 
6,716

 
119,472

 
(7,014
)
 
119,174

 
4,528

Energy-related
—

 
—

 
11

 
11

 
7,731

 
—

 
7,742

 
11

Residential mortgage
324

 
2,788

 
30,804

 
33,916

 
559,180

 
(40,493
)
 
552,603

 
29,553

Consumer - Home equity
3,165

 
385

 
22,800

 
26,350

 
315,788

 
(32,009
)
 
310,129

 
22,409

Consumer - Indirect automobile
13

 
17

 
9

 
39

 
393

 
(40
)
 
392

 
9

Consumer - Credit Card
10

 
—

 
24

 
34

 
614

 
—

 
648

 
24

Consumer - Other
1,458

 
113

 
1,967

 
3,538

 
94,652

 
(1,516
)
 
96,674

 
1,847

Total
$
14,814

 
$
6,760

 
$
135,670

 
$
157,244

 
$
1,751,170

 
$
(136,084
)
 
$
1,772,330

 
$
133,804

(1)
Past due information presents acquired loans at the gross loan balance, prior to application of discounts.
The following tables provide an analysis of the aging of loans as of December 31, 2015 and 2014. Due to the difference in accounting for acquired loans, the tables below further segregate the Company’s loans between loans originated by the Company ("legacy loans") and acquired loans.
 
December 31, 2015
 
Legacy loans
 
Past Due (1)
 
Current
 
Total Legacy Loans, Net of Unearned Income
 
Recorded Investment > 90 days and Accruing
(Dollars in thousands)
30-59 days
 
60-89 days
 
> 90 days
 
Total
 
Commercial real estate - Construction
$
801

 
$
—

 
$
120

 
$
921

 
$
635,560

 
$
636,481

 
$
—

Commercial real estate - Other
2,687

 
793

 
15,517

 
18,997

 
3,848,584

 
3,867,581

 
95

Commercial and industrial
1,208

 
739

 
6,746

 
8,693

 
2,943,409

 
2,952,102

 
87

Energy-related
15

 
—

 
7,081

 
7,096

 
670,081

 
677,177

 
—

Residential mortgage
1,075

 
2,485

 
14,116

 
17,676

 
676,347

 
694,023

 
442

Consumer - Home equity
3,549

 
870

 
5,628

 
10,047

 
1,565,596

 
1,575,643

 
—

Consumer - Indirect automobile
2,187

 
518

 
1,181

 
3,886

 
242,328

 
246,214

 
—

Consumer - Credit card
394

 
113

 
394

 
901

 
76,360

 
77,261

 
—

Consumer - Other
1,923

 
752

 
769

 
3,444

 
460,594

 
464,038

 
—

Total
$
13,839

 
$
6,270

 
$
51,552

 
$
71,661

 
$
11,118,859

 
$
11,190,520

 
$
624

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
December 31, 2014
 
Legacy loans
 
Past Due (1)
 
Current
 
Total Legacy Loans, Net of Unearned Income
 
Recorded Investment > 90 days and Accruing
(Dollars in thousands)
30-59 days
 
60-89 days
 
> 90 days
 
Total
 
Commercial real estate - Construction
$
507

 
$
—

 
$
69

 
$
576

 
$
483,663

 
$
484,239

 
$
—

Commercial real estate - Other
11,799

 
148

 
6,859

 
18,806

 
3,173,766

 
3,192,572

 
—

Commercial and industrial
1,589

 
1,860

 
3,225

 
6,674

 
2,445,847

 
2,452,521

 
200

Energy-related
—

 
—

 
27

 
27

 
872,839

 
872,866

 
—

Residential mortgage
1,389

 
2,616

 
14,900

 
18,905

 
508,789

 
527,694

 
538

Consumer - Home equity
4,096

 
595

 
7,420

 
12,111

 
1,278,865

 
1,290,976

 
16

Consumer - Indirect automobile
2,447

 
396

 
1,419

 
4,262

 
392,504

 
396,766

 
—

Consumer - Credit card
253

 
163

 
1,032

 
1,448

 
71,297

 
72,745

 
—

Consumer - Other
1,285

 
424

 
773

 
2,482

 
375,853

 
378,335

 
—

Total
$
23,365

 
$
6,202

 
$
35,724

 
$
65,291

 
$
9,603,423

 
$
9,668,714

 
$
754


(1)
Past due loans greater than 90 days include all loans on non-accrual status, regardless of past due status, as of the period indicated. Non-accrual loans are presented separately in the “Non-accrual Loans” section below.
Schedule of Legacy Loans on Nonaccrual Status
The following table provides the unpaid principal balance of legacy loans on non-accrual status at December 31, 2015 and 2014.
(Dollars in thousands)
2015
 
2014
Commercial real estate - Construction
$
120

 
$
69

Commercial real estate - Other
15,422

 
6,859

Commercial and industrial
6,659

 
3,025

Energy-related
7,081

 
27

Residential mortgage
13,674

 
14,362

Consumer - Home equity
5,628

 
7,404

Consumer - Indirect automobile
1,181

 
1,419

Consumer - Credit card
394

 
1,032

Consumer - Other
769

 
773

Total
$
50,928

 
$
34,970
Schedule of Carrying Amount of Loans Acquired
The tables below show the balances acquired during 2015 for these two subsections of the acquired portfolio as of the acquisition date. These amounts are subject to change due to the finalization of purchase accounting adjustments.
(Dollars in thousands)
 
Contractually required principal and interest at acquisition
$
2,384,114

Expected losses and foregone interest
(15,539
)
Cash flows expected to be collected at acquisition
2,368,575

Fair value of acquired loans at acquisition
$
2,105,466


(Dollars in thousands)
Acquired Impaired Loans
Contractually required principal and interest at acquisition
$
76,445

Non-accretable difference (expected losses and foregone interest)
(11,867
)
Cash flows expected to be collected at acquisition
64,578

Accretable yield
(6,823
)
Basis in acquired loans at acquisition
$
57,755
Summary of Changes in Accretable Yields of Acquired Loans
The following is a summary of changes in the accretable difference for loans accounted for under ASC 310-30 during the years ended December 31:
(Dollars in thousands)
 
2015
 
 
2014
 
 
2013
Balance at beginning of period
 
$
287,651

 
 
$
354,892

 
 
$
356,393

Additions
 
6,823

 
 
13,848

 
 
—

Transfers from non-accretable difference to accretable yield
 
9,916

 
 
25,844

 
 
50,743

Accretion
 
(80,479
)
 
 
(103,233
)
 
 
(179,456
)
Changes in expected cash flows not affecting non-accretable differences (1)
 
3,591

 
 
(3,700
)
 
 
127,212

Balance at end of period
 
$
227,502

 
 
$
287,651

 
 
$
354,892


(1)
Includes changes in cash flows expected to be collected due to the impact of changes in actual or expected timing of liquidation events, modifications, changes in interest rates and changes in prepayment assumptions.
Schedule of Modified TDRs
The following table provides information on how the TDRs were modified during the year ended December 31:
(Dollars in thousands)
2015
Extended maturities
$
15,594

Interest rate adjustment
—

Maturity and interest rate adjustment
23,374

Movement to or extension of interest-rate only payments
241

Forbearance
122

Other concession(s) (1)
17,710

Total
$
57,041

(1)
Other concessions may include
Schedule of Subsequently Defaulted TDRs
The following table presents the end of period balance for loans modified in a TDR during the year ended December 31, 2015. The Company had no material TDRs that were added during the year ended December 31, 2014.
 
December 31, 2015
(In thousands, except number of loans)
Number of Loans
 
Pre-modification Outstanding Recorded Investment
 
Post-modification Outstanding Recorded Investment (1)
Commercial real estate
11

 
$
26,764

 
$
25,250

Commercial and industrial
26

 
21,233

 
18,114

Energy-related
2

 
9,797

 
9,484

Residential mortgage
1

 
70

 
68

Consumer - Home equity
50

 
4,440

 
3,865

Consumer - Indirect
6

 
79

 
79

Consumer - Other
17

 
248

 
181

Total
113

 
$
62,631

 
$
57,041

(1)
Recorded investment includes any allowance for credit losses recorded on the TDRs at December 31, 2015.
Information detailing TDRs that defaulted during the years ended December 31, 2015 and 2014 and were modified in the previous twelve months (i.e., the twelve months prior to the default) is presented in the following table. The Company has defined a default as any loan with a loan payment that is currently past due greater than 30 days, or was past due greater than 30 days at any point during the previous twelve months, or since the date of modification, whichever is shorter.
 
December 31, 2015
 
December 31, 2014
(In thousands, except number of loans)
Number of Loans
 
Recorded Investment
 
Number of Loans
 
Recorded Investment
Commercial real estate
6

 
$
22,075

 
30

 
$
—

Commercial and industrial
20

 
8,970

 
9

 
1,600

Energy-related
1

 
3,120

 
—

 
—

Residential mortgage
—

 
—

 
—

 
—

Consumer - Home Equity
20

 
1,547

 
—

 
—

Consumer - Indirect automobile
6

 
79

 
—

 
—

Consumer - Other
9

 
2

 
1

 
—

Total
62

 
$
35,793

 
40

 
$
1,600