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Allowance for Credit Losses and Credit Quality (Tables)
 12 Months Ended
Dec. 31, 2015
Receivables [Abstract]  
Schedule of Allowance for Loan Losses for Covered and Non-Covered Loan Portfolios
A summary of changes in the allowance for credit losses for the years ended December 31 is as follows:
 
2015
(Dollars in thousands)
Legacy Loans
 
Acquired Loans
 
Total
Allowance for credit losses
 
 
 
 
 
Allowance for loan losses at beginning of period
$
76,174

 
$
53,957

 
$
130,131

Provision for loan losses before adjustment attributable to FDIC loss share agreements
27,711

 
1,837

 
29,548

Adjustment attributable to FDIC loss share arrangements
—

 
1,360

 
1,360

Net provision for loan losses
27,711

 
3,197

 
30,908

Adjustment attributable to FDIC loss share arrangements
—

 
(1,360
)
 
(1,360
)
Transfer of balance to OREO
—

 
(1,221
)
 
(1,221
)
Loans charged-off
(15,778
)
 
(10,737
)
 
(26,515
)
Recoveries
5,701

 
734

 
6,435

Allowance for loan losses at end of period
$
93,808

 
$
44,570

 
$
138,378

 
 
 
 
 
 
Reserve for unfunded commitments at beginning of period
$
11,801

 
$
—

 
$
11,801

Provision for unfunded lending commitments
2,344

 
—

 
2,344

Reserve for unfunded commitments at end of period
$
14,145

 
$
—

 
$
14,145

Allowance for credit losses at end of period
$
107,953

 
$
44,570

 
$
152,523

 
2014
 
Legacy Loans
 
Acquired Loans
 
Total
Allowance for credit losses
 
 
 
 
 
Allowance for loan losses at beginning of period
$
67,342

 
$
75,732

 
$
143,074

Provision for loan losses before adjustment attributable to FDIC loss share agreements
14,274

 
526

 
14,800

Adjustment attributable to FDIC loss share arrangements
—

 
4,260

 
4,260

Net provision for loan losses
14,274

 
4,786

 
19,060

 
 
 
 
 
 
Adjustment attributable to FDIC loss share arrangements
—

 
(4,260
)
 
(4,260
)
Transfer of balance to OREO
—

 
(7,323
)
 
(7,323
)
Loans charged-off
(11,312
)
 
(15,543
)
 
(26,855
)
Recoveries
5,870

 
565

 
6,435

Allowance for loan losses at end of period
$
76,174

 
$
53,957

 
$
130,131

 
 
 
 
 
 
Reserve for unfunded commitments at beginning of period
$
11,147

 
$
—

 
$
11,147

Provision for unfunded lending commitments
654

 
—

 
654

Reserve for unfunded commitments at end of period
$
11,801

 
$
—

 
$
11,801

Allowance for credit losses at end of period
$
87,975

 
$
53,957

 
$
141,932

 
2013
 
Legacy Loans
 
Acquired Loans
 
Total
Allowance for credit losses
 
 
 
 
 
Allowance for loan losses at beginning of period
$
74,211

 
$
177,392

 
$
251,603

Provision for (Reversal of) loan losses before adjustment attributable to FDIC loss share agreements
6,828

 
(57,768
)
 
(50,940
)
Adjustment attributable to FDIC loss share arrangements
—

 
56,085

 
56,085

Net provision for (reversal of) loan losses
6,828

 
(1,683
)
 
5,145

 
 
 
 
 
 
Adjustment attributable to FDIC loss share arrangements
—

 
(56,085
)
 
(56,085
)
Transfer of balance to OREO
—

 
(28,126
)
 
(28,126
)
Transfer of balance to the RULC
(9,828
)
 
—

 
(9,828
)
Loans charged-off
(10,686
)
 
(15,795
)
 
(26,481
)
Recoveries
6,817

 
29

 
6,846

Allowance for loan losses at end of period
$
67,342

 
$
75,732

 
$
143,074

 
 
 
 
 
 
Reserve for unfunded commitments at beginning of period
$
—

 
$
—

 
$
—

Transfer of balance from the allowance for loan losses
9,828

 
—

 
9,828

Provision for unfunded lending commitments
1,319

 
—

 
1,319

Reserve for unfunded commitments at end of period
$
11,147

 
$
—

 
$
11,147

Allowance for credit losses at end of period
$
78,489

 
$
75,732

 
$
154,221

A summary of changes in the allowance for credit losses for legacy loans, by loan portfolio type, for the years ended December 31 is as follows:
 
2015
(Dollars in thousands)
Commercial Real Estate
 
Commercial and Industrial
 
Energy-related
 
Residential Mortgage
 
Consumer
 
Total
Allowance for loan losses at beginning of period
$
26,752

 
$
24,455

 
$
5,949

 
$
2,678

 
$
16,340

 
$
76,174

(Reversal of) Provision for loan losses
(1,466
)
 
(103
)
 
17,917

 
1,493

 
9,870

 
27,711

Loans charged off
(2,525
)
 
(1,276
)
 
(3
)
 
(291
)
 
(11,683
)
 
(15,778
)
Recoveries
1,897

 
207

 
—

 
67

 
3,530

 
5,701

Allowance for loan losses at end of period
$
24,658

 
$
23,283

 
$
23,863

 
$
3,947

 
$
18,057

 
$
93,808

 
 
 
 
 
 
 
 
 
 
 
 
Reserve for unfunded commitments at beginning of period
$
3,370

 
$
3,733

 
$
1,596

 
$
168

 
$
2,934

 
$
11,801

Provision for (Reversal of) unfunded commitments
790

 
(285
)
 
1,069

 
662

 
108

 
2,344

Reserve for unfunded commitments at end of period
$
4,160

 
$
3,448

 
$
2,665

 
$
830

 
$
3,042

 
$
14,145

Allowance on loans individually evaluated for impairment
$
1,246

 
$
272

 
$
2,122

 
$
1

 
$
352

 
$
3,993

Allowance on loans collectively evaluated for impairment
23,412


23,011

 
21,741

 
3,946

 
17,705

 
89,815

Loans, net of unearned income:
 
 
 
 
 
 
 
 
 
 
 
Balance at end of period
$
4,504,062

 
$
2,952,102

 
$
677,177

 
$
694,023

 
$
2,363,156

 
$
11,190,520

Balance at end of period individually evaluated for impairment
28,857

 
20,086

 
13,020

 
70

 
4,608

 
66,641

Balance at end of period collectively evaluated for impairment
4,475,205

 
2,932,016

 
$
664,157

 
693,953

 
2,358,548

 
11,123,879

 
2014
(Dollars in thousands)
Commercial Real Estate
 
Commercial and Industrial
 
Energy-related
 
Residential Mortgage
 
Consumer
 
Total
Allowance for loan losses at beginning of period
$
22,872

 
$
20,839

 
$
6,878

 
$
2,546

 
$
14,207

 
$
67,342

Provision for (Reversal of) loan losses
2,171

 
4,971

 
(929
)
 
566

 
7,495

 
14,274

Loans charged off
(1,164
)
 
(1,400
)
 
—

 
(578
)
 
(8,170
)
 
(11,312
)
Recoveries
2,873

 
45

 
—

 
144

 
2,808

 
5,870

Allowance for loan losses at end of period
$
26,752

 
$
24,455

 
$
5,949

 
$
2,678

 
$
16,340

 
$
76,174

 
 
 
 
 
 
 
 
 
 
 
 
Reserve for unfunded commitments at beginning of period
$
3,071

 
$
1,814

 
$
3,043

 
$
72

 
$
3,147

 
$
11,147

Provision for (Reversal of) unfunded commitments
299

 
1,919

 
(1,447
)
 
96

 
(213
)
 
654

Reserve for unfunded commitments at end of period
$
3,370

 
$
3,733

 
$
1,596

 
$
168

 
$
2,934

 
$
11,801

Allowance on loans individually evaluated for impairment
$
20

 
$
407

 
$
—

 
$
—

 
$
3

 
$
430

Allowance on loans collectively evaluated for impairment
26,732

 
24,048

 
5,949

 
2,678

 
16,337

 
75,744

Loans, net of unearned income:
 
 
 
 
 
 
 
 
 
 
 
Balance at end of period
$
3,676,811

 
$
2,452,521

 
$
872,866

 
$
527,694

 
$
2,138,822

 
$
9,668,714

Balance at end of period individually evaluated for impairment
7,013

 
3,988

 
—

 
—

 
699

 
11,700

Balance at end of period collectively evaluated for impairment
3,669,798

 
2,448,533

 
872,866

 
527,694

 
2,138,123

 
9,657,014

 
2013
(Dollars in thousands)
Commercial Real Estate
 
Commercial and Industrial
 
Energy-related
 
Residential Mortgage
 
Consumer
 
Total
Allowance for loan losses at beginning of period
$
31,298

 
$
20,605

 
$
6,812

 
$
1,583

 
$
13,913

 
$
74,211

(Reversal of) Provision for loan losses
(5,919
)
 
3,870

 
66

 
758

 
8,053

 
6,828

Transfer of balance to the RULC
(2,939
)
 
(3,497
)
 
—

 
(40
)
 
(3,352
)
 
(9,828
)
Loans charged off
(2,908
)
 
(516
)
 
—

 
(519
)
 
(6,743
)
 
(10,686
)
Recoveries
3,340

 
377

 
—

 
764

 
2,336

 
6,817

Allowance for loan losses at end of period
$
22,872

 
$
20,839

 
$
6,878

 
$
2,546

 
$
14,207

 
$
67,342

 
 
 
 
 
 
 
 
 
 
 
 
Reserve for unfunded commitments at beginning of period
$
—

 
$
—

 
$
—

 
$
—

 
$
—

 
$
—

Transfer of balance from the allowance for loan losses
2,939

 
3,497

 
—

 
40

 
3,352

 
9,828

Provision for unfunded lending commitments
132

 
(1,683
)
 
3,043

 
32

 
(205
)
 
1,319

Reserve for unfunded commitments at end of period
$
3,071

 
$
1,814

 
$
3,043

 
$
72

 
$
3,147

 
$
11,147

Allowance on loans individually evaluated for impairment
$
8

 
$
841

 
$
—

 
$
180

 
$
—

 
$
1,029

Allowance on loans collectively evaluated for impairment
22,864

 
19,998

 
6,878

 
2,366

 
14,207

 
66,313

Loans, net of unearned income:
 
 
 
 
 
 
 
 
 
 
 
Balance at end of period
$
3,054,100

 
$
2,234,173

 
$
752,682

 
$
414,372

 
$
1,832,994

 
$
8,288,321

Balance at end of period individually evaluated for impairment
8,705

 
15,812

 
—

 
1,407

 
258

 
26,182

Balance at end of period collectively evaluated for impairment
3,045,395

 
2,218,361

 
752,682

 
412,965

 
1,832,736

 
8,262,139

A summary of changes in the allowance for loan losses for acquired loans, by loan portfolio type, for the years ended December 31 is as follows:
 
2015
(Dollars in thousands)
Commercial
Real Estate
 
Commercial
and Industrial
 
Energy-related
 
Residential
Mortgage
 
Consumer
 
Total
Allowance for loan losses at beginning of period
$
29,949

 
$
3,265

 
$
51

 
$
6,484

 
$
14,208

 
$
53,957

Provision for (Reversal of) loan losses
2,182

 
(122
)
 
74

 
2,126

 
(1,063
)
 
3,197

Increase (Decrease) in FDIC loss share receivable
757

 
(49
)
 
—

 
(235
)
 
(1,833
)
 
(1,360
)
Transfer of balance to OREO
174

 
(170
)
 
—

 
(541
)
 
(684
)
 
(1,221
)
Loans charged off
(7,810
)
 
(105
)
 
—

 
—

 
(2,822
)
 
(10,737
)
Recoveries
727

 
—

 
—

 
7

 
—

 
734

Allowance for loan losses at end of period
$
25,979

 
$
2,819

 
$
125

 
$
7,841

 
$
7,806

 
$
44,570

Allowance on loans individually evaluated for impairment
$
—

 
$
41

 
$
—

 
$
—

 
$
45

 
$
86

Allowance on loans collectively evaluated for impairment
25,979

 
2,778

 
125

 
7,841

 
7,761

 
44,484

Loans, net of unearned income:
 
 
 
 
 
 
 
 
 
 
 
Balance at end of period
$
1,569,449

 
$
492,476

 
$
3,589

 
$
501,296

 
$
570,098

 
$
3,136,908

Balance at end of period individually evaluated for impairment
720

 
164

 
—

 
—

 
458

 
1,342

Balance at end of period collectively evaluated for impairment
1,149,315

 
450,652

 
3,589

 
360,252

 
447,048

 
2,410,856

Balance at end of period acquired with deteriorated credit quality
419,414

 
41,660

 
—

 
141,044

 
122,592

 
724,710

 
2014
(Dollars in thousands)
Commercial
Real Estate
 
Commercial
and Industrial
 
Energy-related
 
Residential
Mortgage
 
Consumer
 
Total
Allowance for loan losses at beginning of period
$
42,026

 
$
6,641

 
$
—

 
$
10,889

 
$
16,176

 
$
75,732

Provision for loan losses
665

 
536

 
51

 
1,296

 
2,238

 
4,786

Increase (Decrease) in FDIC loss share receivable
227

 
509

 
—

 
(3,854
)
 
(1,142
)
 
(4,260
)
Transfer of balance to OREO
(1,897
)
 
(2,030
)
 
—

 
(1,719
)
 
(1,677
)
 
(7,323
)
Loans charged off
(11,201
)
 
(2,451
)
 
—

 
(232
)
 
(1,659
)
 
(15,543
)
Recoveries
129

 
60

 
—

 
104

 
272

 
565

Allowance for loan losses at end of period
$
29,949

 
$
3,265

 
$
51

 
$
6,484

 
$
14,208

 
$
53,957

Allowance on loans individually evaluated for impairment
$
—

 
$
—

 
$
—

 
$
—

 
$
—

 
$
—

Allowance on loans collectively evaluated for impairment
29,949

 
3,265

 
51

 
6,484

 
14,208

 
53,957

Loans, net of unearned income:
 
 
 
 
 
 
 
 
 
 
 
Balance at end of period
$
684,968

 
$
119,174

 
$
7,742

 
$
552,603

 
$
407,843

 
$
1,772,330

Balance at end of period individually evaluated for impairment
—

 
—

 
—

 
—

 
—

 
—

Balance at end of period collectively evaluated for impairment
169,338

 
60,584

 
7,742

 
402,347

 
265,168

 
905,179

Balance at end of period acquired with deteriorated credit quality
515,630

 
58,590

 
—

 
150,256

 
142,675

 
867,151

 
2013
(Dollars in thousands)
Commercial
Real Estate
 
Commercial
and Industrial
 
Residential
Mortgage
 
Consumer
 
Total
Allowance for loan losses at beginning of period
$
107,269

 
$
13,246

 
$
23,108

 
$
33,769

 
$
177,392

(Reversal of) Provision for loan losses
(1,286
)
 
(1,146
)
 
390

 
359

 
(1,683
)
(Decrease) Increase in FDIC loss share receivable
(28,238
)
 
(5,032
)
 
(4,896
)
 
(17,919
)
 
(56,085
)
Transfer of balance to OREO
(19,953
)
 
(427
)
 
(7,713
)
 
(33
)
 
(28,126
)
Loans charged off
(15,795
)
 
—

 
—

 
—

 
(15,795
)
Recoveries
29

 
—

 
—

 
—

 
29

Allowance for loan losses at end of period
$
42,026

 
$
6,641

 
$
10,889

 
$
16,176

 
$
75,732

Allowance on loans individually evaluated for impairment
$
—

 
$
—

 
$
—

 
$
—

 
$
—

Allowance on loans collectively evaluated for impairment
42,026

 
6,641

 
10,889

 
16,176

 
75,732

Loans, net of unearned income:
 
 
 
 
 
 
 
 
 
Balance at end of period
$
732,401

 
$
90,062

 
$
172,160

 
$
209,075

 
$
1,203,698

Balance at end of period individually evaluated for impairment
—

 
—

 
—

 
—

 
—

Balance at end of period collectively evaluated for impairment
393,487

 
37,430

 
162,248

 
157,744

 
750,909

Balance at end of period acquired with deteriorated credit quality
338,914

 
52,632

 
9,912

 
51,331

 
452,789
Investment in Legacy and Acquired Loans by Credit Quality Indicator
The Company’s investment in loans by credit quality indicator is presented in the following tables. The tables below further segregate the Company’s loans between loans that were originated by the Company (legacy loans) and acquired loans. Loan premiums/discounts in the tables below represent the adjustment of non-covered acquired loans to fair value at the acquisition date, as adjusted for income accretion and changes in cash flow estimates in subsequent periods. Asset risk classifications for commercial loans reflect the classification as of December 31, 2015 and 2014, respectively. Credit quality information in the tables below includes loans acquired at the gross loan balance, prior to the application of premiums/discounts, at December 31, 2015 and 2014.
Loan delinquency is the primary credit quality indicator that the Company utilizes to monitor consumer asset quality.
 
Legacy loans
 
December 31, 2015
 
December 31, 2014
(Dollars in thousands)
Pass
 
Special Mention
 
Sub-
standard
 
Doubtful
 
Total
 
Pass
 
Special Mention
 
Sub-
standard
 
Doubtful
 
Total
Commercial real estate - Construction
$
634,889

 
$
160

 
$
1,432

 
$
—

 
$
636,481

 
$
483,930

 
$
240

 
$
69

 
$
—

 
$
484,239

Commercial real estate - Other
3,806,528

 
21,877

 
37,001

 
2,175

 
3,867,581

 
3,120,370

 
49,847

 
22,193

 
162

 
3,192,572

Commercial and industrial
2,911,396

 
14,826

 
19,888

 
5,992

 
2,952,102

 
2,414,293

 
7,330

 
28,965

 
1,933

 
2,452,521

Energy-related
531,657

 
67,937

 
74,272

 
3,311

 
677,177

 
872,842

 
—

 
24

 
—

 
872,866

Total
$
7,884,470

 
$
104,800

 
$
132,593

 
$
11,478

 
$
8,133,341

 
$
6,891,435

 
$
57,417

 
$
51,251

 
$
2,095

 
$
7,002,198

 
Legacy loans
 
December 31, 2015
 
December 31, 2014
(Dollars in thousands)
Current
 
30+ Days Past Due
 
Total
 
Current
 
30+ Days Past Due
 
Total
Residential mortgage
$
676,347

 
$
17,676

 
$
694,023

 
$
508,789

 
$
18,905

 
$
527,694

Consumer - Home equity
1,565,596

 
10,047

 
1,575,643

 
1,278,865

 
12,111

 
1,290,976

Consumer - Indirect automobile
242,328

 
3,886

 
246,214

 
392,504

 
4,262

 
396,766

Consumer - Credit card
76,360

 
901

 
77,261

 
71,297

 
1,448

 
72,745

Consumer - Other
460,594

 
3,444

 
464,038

 
375,853

 
2,482

 
378,335

Total
$
3,021,225

 
$
35,954

 
$
3,057,179

 
$
2,627,308

 
$
39,208

 
$
2,666,516

 
Acquired loans
 
December 31, 2015
 
December 31, 2014
(Dollars in thousands)
Pass
 
Special
Mention
 
Sub-standard
 
Doubtful
 
Loss
 
Discount
 
Total
 
Pass
 
Special
Mention
 
Sub-standard
 
Doubtful
 
Discount
 
Total
Commercial real estate - Construction
$
116,539

 
$
1,681

 
$
8,803

 
$
771

 
$
—

 
$
(2,368
)
 
$
125,426

 
$
58,849

 
$
3,934

 
$
12,632

 
$
—

 
$
(4,482
)
 
$
70,933

Commercial real
estate - Other
1,383,409

 
26,080

 
79,119

 
6,124

 
111

 
(50,820
)
 
1,444,023

 
530,958

 
33,216

 
100,391

 
—

 
(50,530
)
 
614,035

Commercial and industrial
473,241

 
8,376

 
16,510

 
1,206

 
43

 
(6,900
)
 
492,476

 
109,593

 
2,256

 
14,082

 
257

 
(7,014
)
 
119,174

Energy-related
2,166

 
55

 
170

 
1,198

 
—

 
—

 
3,589

 
7,731

 
—

 
11

 
—

 
—

 
7,742

Total
$
1,975,355

 
$
36,192

 
$
104,602

 
$
9,299

 
$
154

 
$
(60,088
)
 
$
2,065,514

 
$
707,131

 
$
39,406

 
$
127,116

 
$
257

 
$
(62,026
)
 
$
811,884

 
Acquired loans
 
December 31, 2015
 
December 31, 2014
(Dollars in thousands)
Current
 
30+ Days Past Due
 
Premium (discount)
 
Total
 
Current
 
30+ Days Past Due
 
Premium (discount)
 
Total
Residential mortgage
$
506,103

 
$
24,752

 
$
(29,559
)
 
$
501,296

 
$
559,180

 
$
33,916

 
$
(40,493
)
 
$
552,603

Consumer - Home equity
503,635

 
16,381

 
(29,492
)
 
490,524

 
315,788

 
26,350

 
(32,009
)
 
310,129

Consumer - Indirect automobile
72

 
12

 
—

 
84

 
393

 
39

 
(40
)
 
392

Consumer - Other
79,732

 
1,475

 
(1,717
)
 
79,490

 
95,266

 
3,572

 
(1,516
)
 
97,322

Total
$
1,089,542

 
$
42,620

 
$
(60,768
)
 
$
1,071,394

 
$
970,627

 
$
63,877

 
$
(74,058
)
 
$
960,446
Schedule of Investment in Legacy Impaired Loans
Information on the Company’s investment in legacy impaired loans, which include all TDRs and all other non-accrual loans, is presented in the following tables as of and for the periods indicated.  Legacy non-accrual mortgage and consumer loans, and commercial loans below the Company’s specific threshold, are included for purposes of this disclosure although such loans are not evaluated or measured individually for impairment for purposes of determining the allowance for loan losses.
 
December 31, 2015
(Dollars in thousands)
Recorded
Investment
 
Unpaid
Principal
Balance
 
Related
Allowance
 
Average
Recorded
Investment
 
Interest
Income
Recognized
With no related allowance recorded:
 
 
 
 
 
 
 
 
 
Commercial real estate
$
16,145

 
$
16,145

 
$
—

 
$
15,864

 
$
315

Commercial and industrial
14,340

 
14,340

 
—

 
18,839

 
1,148

Energy-related
—

 
—

 
—

 
—

 
—

Consumer - Home equity
730

 
730

 
—

 
533

 
22

Consumer - Other
66

 
66

 
—

 
66

 
5

With an allowance recorded:
 
 
 
 
 
 
 
 
 
Commercial real estate
12,500

 
13,753

 
(1,253
)
 
14,055

 
554

Commercial and industrial
5,985

 
6,262

 
(277
)
 
7,352

 
331

Energy-related
11,319

 
13,444

 
(2,125
)
 
14,339

 
471

Residential mortgage
13,679

 
13,743

 
(64
)
 
14,086

 
82

Consumer - Home equity
8,196

 
8,559

 
(363
)
 
7,554

 
129

Consumer - Indirect automobile
1,171

 
1,181

 
(10
)
 
1,613

 
44

Consumer - Credit card
386

 
394

 
(8
)
 
881

 
—

Consumer - Other
876

 
899

 
(23
)
 
1,039

 
44

Total
$
85,393

 
$
89,516

 
$
(4,123
)
 
$
96,221

 
$
3,145

Total commercial loans
$
60,289

 
$
63,944

 
$
(3,655
)
 
$
70,449

 
$
2,819

Total mortgage loans
13,679

 
13,743

 
(64
)
 
14,086

 
87

Total consumer loans
11,425

 
11,829

 
(404
)
 
11,686

 
244

 
December 31, 2014
(Dollars in thousands)
Recorded
Investment
 
Unpaid
Principal
Balance
 
Related
Allowance
 
Average
Recorded
Investment
 
Interest
Income
Recognized
With no related allowance recorded:
 
 
 
 
 
 
 
 
 
Commercial real estate
$
6,680

 
$
6,680

 
$
—

 
$
6,703

 
$
132

Commercial and industrial
2,483

 
2,483

 
—

 
2,873

 
57

Consumer - Home equity
682

 
682

 
—

 
696

 
19

With an allowance recorded:
 
 
 
 
 
 
 
 
 
Commercial real estate
1,044

 
1,069

 
(25
)
 
1,134

 
38

Commercial and industrial
1,209

 
1,617

 
(408
)
 
2,113

 
23

Energy-related
27

 
27

 
—

 
28

 
1

Residential mortgage
14,111

 
14,363

 
(252
)
 
14,263

 
110

Consumer - Home equity
7,121

 
7,165

 
(44
)
 
7,544

 
43

Consumer - Indirect automobile
1,410

 
1,419

 
(9
)
 
2,016

 
51

Consumer - Credit card
1,012

 
1,032

 
(20
)
 
797

 
—

Consumer - Other
781

 
790

 
(9
)
 
1,009

 
39

Total
$
36,560

 
$
37,327

 
$
(767
)
 
$
39,176

 
$
513

Total commercial loans
$
11,443

 
$
11,876

 
$
(433
)
 
$
12,851

 
$
251

Total mortgage loans
14,111

 
14,363

 
(252
)
 
14,263

 
110

Total consumer loans
11,006

 
11,088

 
(82
)
 
12,062

 
152

 
December 31, 2013
(Dollars in thousands)
Recorded
Investment
 
Unpaid
Principal
Balance
 
Related
Allowance
 
Average
Recorded
Investment
 
Interest
Income
Recognized
With no related allowance recorded:
 
 
 
 
 
 
 
 
 
Commercial real estate
$
8,567

 
$
8,567

 
$
—

 
$
10,443

 
$
43

Commercial and industrial
13,256

 
13,256

 
—

 
11,074

 
170

Consumer - Home equity
258

 
258

 
—

 
281

 
1

With an allowance recorded:
 
 
 
 
 
 
 
 
 
Commercial real estate
1,268

 
1,284

 
(16
)
 
4,414

 
8

Commercial and industrial
1,927

 
2,770

 
(843
)
 
2,892

 
100

Residential mortgage
11,408

 
11,645

 
(237
)
 
9,675

 
98

Consumer - Home equity
6,506

 
6,550

 
(44
)
 
7,593

 
93

Consumer - Indirect automobile
1,267

 
1,275

 
(8
)
 
2,090

 
55

Consumer - Credit card
404

 
411

 
(7
)
 
418

 
—

Consumer - Other
481

 
485

 
(4
)
 
765

 
19

Total
$
45,342

 
$
46,501

 
$
(1,159
)
 
$
49,645

 
$
587

Total commercial loans
$
25,018

 
$
25,877

 
$
(859
)
 
$
28,823

 
$
321

Total mortgage loans
11,408

 
11,645

 
(237
)
 
9,675

 
98

Total consumer loans
8,916

 
8,979

 
(63
)
 
11,147

 
168