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Allowance for Loan and Lease Losses Allowance for Loan and Lease Losses (Tables) | 12 Months Ended
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Dec. 31, 2018
Receivables [Abstract] |
Allocation of Allowance for Loan and Lease Losses | Activity in the allowance for non-PCI loan and lease losses by class of loans is summarized as follows:
| Years ended December 31, 2018, 2017, 2016
(Dollars in thousands) | Construction and land development - commercial |  | Commercial mortgage |  | Other commercial real estate |  | Commercial and industrial and leases |  | Other |  | Residential mortgage |  | Revolving mortgage |  | Construction and land development - non- commercial |  | Consumer |  | Total
Non-PCI Loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Allowance for loan and lease losses: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Balance at January 1, 2016 | $ | 16,288 |  |  | $ | 69,896 |  |  | $ | 2,168 |  |  | $ | 48,640 |  |  | $ | 1,855 |  |  | $ | 14,105 |  |  | $ | 15,971 |  |  | $ | 1,485 |  |  | $ | 19,496 |  |  | $ | 189,904 |
Provision (credits) | 12,871 |  |  | (21,912 | ) |  | 925 |  |  | 15,218 |  |  | 877 |  |  | 801 |  |  | 7,413 |  |  | 45 |  |  | 18,632 |  |  | 34,870 |
Charge-offs | (680 | ) |  | (987 | ) |  | — |  |  | (9,455 | ) |  | (144 | ) |  | (926 | ) |  | (3,287 | ) |  | — |  |  | (14,108 | ) |  | (29,587 | )
Recoveries | 398 |  |  | 1,281 |  |  | 176 |  |  | 1,729 |  |  | 539 |  |  | 467 |  |  | 916 |  |  | 66 |  |  | 4,267 |  |  | 9,839 |
Balance at December 31, 2016 | 28,877 |  |  | 48,278 |  |  | 3,269 |  |  | 56,132 |  |  | 3,127 |  |  | 14,447 |  |  | 21,013 |  |  | 1,596 |  |  | 28,287 |  |  | 205,026 |
Provision (credits) | (4,329 | ) |  | (5,694 | ) |  | 1,280 |  |  | 11,624 |  |  | 2,189 |  |  | 2,096 |  |  | 2,509 |  |  | 2,366 |  |  | 17,098 |  |  | 29,139 |
Charge-offs | (599 | ) |  | (421 | ) |  | (5 | ) |  | (11,921 | ) |  | (912 | ) |  | (1,376 | ) |  | (2,368 | ) |  | — |  |  | (18,784 | ) |  | (36,386 | )
Recoveries | 521 |  |  | 2,842 |  |  | 27 |  |  | 3,989 |  |  | 285 |  |  | 539 |  |  | 1,282 |  |  | — |  |  | 4,603 |  |  | 14,088 |
Balance at December 31, 2017 | 24,470 |  |  | 45,005 |  |  | 4,571 |  |  | 59,824 |  |  | 4,689 |  |  | 15,706 |  |  | 22,436 |  |  | 3,962 |  |  | 31,204 |  |  | 211,867 |
Provision (credits) | 10,533 |  |  | (1,490 | ) |  | (2,171 | ) |  | 2,511 |  |  | (2,827 | ) |  | 897 |  |  | 1,112 |  |  | (1,520 | ) |  | 22,187 |  |  | 29,232 |
Charge-offs | (44 | ) |  | (1,140 | ) |  | (69 | ) |  | (10,211 | ) |  | (130 | ) |  | (1,689 | ) |  | (3,235 | ) |  | (219 | ) |  | (22,817 | ) |  | (39,554 | )
Recoveries | 311 |  |  | 1,076 |  |  | 150 |  |  | 3,496 |  |  | 489 |  |  | 558 |  |  | 1,549 |  |  | 127 |  |  | 5,267 |  |  | 13,023 |
Balance at December 31, 2018 | $ | 35,270 |  |  | $ | 43,451 |  |  | $ | 2,481 |  |  | $ | 55,620 |  |  | $ | 2,221 |  |  | $ | 15,472 |  |  | $ | 21,862 |  |  | $ | 2,350 |  |  | $ | 35,841 |  |  | $ | 214,568 |
The following tables present the allowance and recorded investment in loans and leases by class of loans, as well as the associated impairment method at December 31, 2018 and December 31, 2017.
| December 31, 2018
(Dollars in thousands) | Construction and land development - commercial |  | Commercial mortgage |  | Other commercial real estate |  | Commercial and industrial and leases |  | Other |  | Residential mortgage |  | Revolving mortgage |  | Construction and land development - non-commercial |  | Consumer |  | Total
Non-PCI Loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Allowance for loan and lease losses: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
ALLL for loans and leases individually evaluated for impairment | $ | 490 |  |  | $ | 2,671 |  |  | $ | 42 |  |  | $ | 1,137 |  |  | $ | 105 |  |  | $ | 1,901 |  |  | $ | 2,515 |  |  | $ | 81 |  |  | $ | 885 |  |  | $ | 9,827 |
ALLL for loans and leases collectively evaluated for impairment | 34,780 |  |  | 40,780 |  |  | 2,439 |  |  | 54,483 |  |  | 2,116 |  |  | 13,571 |  |  | 19,347 |  |  | 2,269 |  |  | 34,956 |  |  | 204,741 |
Total allowance for loan and lease losses | $ | 35,270 |  |  | $ | 43,451 |  |  | $ | 2,481 |  |  | $ | 55,620 |  |  | $ | 2,221 |  |  | $ | 15,472 |  |  | $ | 21,862 |  |  | $ | 2,350 |  |  | $ | 35,841 |  |  | $ | 214,568 |
Loans and leases: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Loans and leases individually evaluated for impairment | $ | 2,175 |  |  | $ | 55,447 |  |  | $ | 860 |  |  | $ | 9,868 |  |  | $ | 291 |  |  | $ | 42,168 |  |  | $ | 28,852 |  |  | $ | 3,749 |  |  | $ | 3,020 |  |  | $ | 146,430 |
Loans and leases collectively evaluated for impairment | 755,679 |  |  | 10,661,787 |  |  | 426,125 |  |  | 3,928,862 |  |  | 296,133 |  |  | 4,223,519 |  |  | 2,514,123 |  |  | 253,281 |  |  | 1,710,761 |  |  | 24,770,270 |
Total loan and leases | $ | 757,854 |  |  | $ | 10,717,234 |  |  | $ | 426,985 |  |  | $ | 3,938,730 |  |  | $ | 296,424 |  |  | $ | 4,265,687 |  |  | $ | 2,542,975 |  |  | $ | 257,030 |  |  | $ | 1,713,781 |  |  | $ | 24,916,700 |
| December 31, 2017
(Dollars in thousands) | Construction and land development - commercial |  | Commercial mortgage |  | Other commercial real estate |  | Commercial and industrial and leases |  | Other |  | Residential mortgage |  | Revolving mortgage |  | Construction and land development - non-commercial |  | Consumer |  | Total
Non-PCI Loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Allowance for loan and lease losses: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
ALLL for loans and leases individually evaluated for impairment | $ | 185 |  |  | $ | 3,648 |  |  | $ | 209 |  |  | $ | 1,062 |  |  | $ | — |  |  | $ | 2,733 |  |  | $ | 1,085 |  |  | $ | 68 |  |  | $ | 738 |  |  | $ | 9,728 |
ALLL for loans and leases collectively evaluated for impairment | 24,285 |  |  | 41,357 |  |  | 4,362 |  |  | 58,762 |  |  | 4,689 |  |  | 12,973 |  |  | 21,351 |  |  | 3,894 |  |  | 30,466 |  |  | 202,139 |
Total allowance for loan and lease losses | $ | 24,470 |  |  | $ | 45,005 |  |  | $ | 4,571 |  |  | $ | 59,824 |  |  | $ | 4,689 |  |  | $ | 15,706 |  |  | $ | 22,436 |  |  | $ | 3,962 |  |  | $ | 31,204 |  |  | $ | 211,867 |
Loans and leases: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Loans and leases individually evaluated for impairment | $ | 788 |  |  | $ | 73,655 |  |  | $ | 1,857 |  |  | $ | 9,888 |  |  | $ | 521 |  |  | $ | 37,842 |  |  | $ | 23,770 |  |  | $ | 4,551 |  |  | $ | 2,774 |  |  | $ | 155,646 |
Loans and leases collectively evaluated for impairment | 668,427 |  |  | 9,655,367 |  |  | 471,576 |  |  | 3,615,320 |  |  | 301,655 |  |  | 3,485,944 |  |  | 2,677,755 |  |  | 243,738 |  |  | 1,558,399 |  |  | 22,678,181 |
Total loan and leases | $ | 669,215 |  |  | $ | 9,729,022 |  |  | $ | 473,433 |  |  | $ | 3,625,208 |  |  | $ | 302,176 |  |  | $ | 3,523,786 |  |  | $ | 2,701,525 |  |  | $ | 248,289 |  |  | $ | 1,561,173 |  |  | $ | 22,833,827 |
Activity in the PCI allowance and balances for years ended December 31, 2018, 2017 and 2016 is summarized as follows:
(Dollars in thousands) | 2018 |  | 2017 |  | 2016
Allowance for loan losses: |  |  |  |  |
Balance at January 1 | $ | 10,026 |  |  | $ | 13,769 |  |  | $ | 16,312 |
Provision credits | (765 | ) |  | (3,447 | ) |  | (1,929 | )
Charge-offs | (117 | ) |  | (296 | ) |  | (614 | )
Recoveries | — |  |  | — |  |  | — |
Balance at December 31 | $ | 9,144 |  |  | $ | 10,026 |  |  | $ | 13,769 |
The following table presents the PCI allowance and recorded investment in loans at December 31, 2018 and December 31, 2017.
(Dollars in thousands) | December 31, 2018 |  | December 31, 2017
Allowance for loan losses: |  |  |
ALLL for loans acquired with deteriorated credit quality | $ | 9,144 |  |  | $ | 10,026 |
Loans acquired with deteriorated credit quality | 606,576 |  |  | 762,998 |
Allowance for Loan and Lease Losses | The following tables provide information on non-PCI impaired loans and leases, exclusive of loans and leases evaluated collectively as a homogeneous group, including interest income recognized in the period during which the loans and leases were considered impaired.
| December 31, 2018
(Dollars in thousands) | With a recorded allowance |  | With no recorded allowance |  | Total |  | Unpaid principal balance |  | Related allowance recorded
Non-PCI impaired loans and leases |  |  |  |  |  |  |  |  |
Construction and land development - commercial | $ | 1,897 |  |  | $ | 278 |  |  | $ | 2,175 |  |  | $ | 2,606 |  |  | $ | 490 |
Commercial mortgage | 34,177 |  |  | 21,270 |  |  | 55,447 |  |  | 61,317 |  |  | 2,671 |
Other commercial real estate | 243 |  |  | 617 |  |  | 860 |  |  | 946 |  |  | 42 |
Commercial and industrial and leases | 7,153 |  |  | 2,715 |  |  | 9,868 |  |  | 14,695 |  |  | 1,137 |
Other | 216 |  |  | 75 |  |  | 291 |  |  | 301 |  |  | 105 |
Residential mortgage | 40,359 |  |  | 1,809 |  |  | 42,168 |  |  | 45,226 |  |  | 1,901 |
Revolving mortgage | 25,751 |  |  | 3,101 |  |  | 28,852 |  |  | 31,371 |  |  | 2,515 |
Construction and land development - noncommercial | 2,337 |  |  | 1,412 |  |  | 3,749 |  |  | 4,035 |  |  | 81 |
Consumer | 2,940 |  |  | 80 |  |  | 3,020 |  |  | 3,405 |  |  | 885 |
Total non-PCI impaired loans and leases | $ | 115,073 |  |  | $ | 31,357 |  |  | $ | 146,430 |  |  | $ | 163,902 |  |  | $ | 9,827 |
| December 31, 2017
(Dollars in thousands) | With a recorded allowance |  | With no recorded allowance |  | Total |  | Unpaid principal balance |  | Related allowance recorded
Non-PCI impaired loans and leases |  |  |  |  |  |  |  |  |
Construction and land development - commercial | $ | 788 |  |  | $ | — |  |  | $ | 788 |  |  | $ | 1,110 |  |  | $ | 185 |
Commercial mortgage | 39,135 |  |  | 34,520 |  |  | 73,655 |  |  | 78,936 |  |  | 3,648 |
Other commercial real estate | 1,351 |  |  | 506 |  |  | 1,857 |  |  | 2,267 |  |  | 209 |
Commercial and industrial and leases | 8,216 |  |  | 1,672 |  |  | 9,888 |  |  | 13,046 |  |  | 1,062 |
Other | — |  |  | 521 |  |  | 521 |  |  | 521 |  |  | — |
Residential mortgage | 19,135 |  |  | 18,707 |  |  | 37,842 |  |  | 39,946 |  |  | 2,733 |
Revolving mortgage | 5,875 |  |  | 17,895 |  |  | 23,770 |  |  | 25,941 |  |  | 1,085 |
Construction and land development - noncommercial | 592 |  |  | 3,959 |  |  | 4,551 |  |  | 5,224 |  |  | 68 |
Consumer | 2,107 |  |  | 667 |  |  | 2,774 |  |  | 3,043 |  |  | 738 |
Total non-PCI impaired loans and leases | $ | 77,199 |  |  | $ | 78,447 |  |  | $ | 155,646 |  |  | $ | 170,034 |  |  | $ | 9,728 |
Non-PCI impaired loans less than $500,000 that are collectively evaluated were $47.1 million and $49.1 million at December 31, 2018, and 2017, respectively. The following tables show the average non-PCI impaired loan balance and the interest income recognized by loan class for the years ended December 31, 2018, 2017 and 2016:
| Year ended December 31, 2018
(Dollars in thousands) | YTD Average Balance |  | YTD Interest Income Recognized
Non-PCI impaired loans and leases: |  |  |
Construction and land development - commercial | $ | 1,734 |  |  | $ | 84 |
Commercial mortgage | 65,943 |  |  | 2,569 |
Other commercial real estate | 1,225 |  |  | 43 |
Commercial and industrial and leases | 9,560 |  |  | 364 |
Other | 135 |  |  | 3 |
Residential mortgage | 41,368 |  |  | 1,237 |
Revolving mortgage | 26,759 |  |  | 900 |
Construction and land development - noncommercial | 3,677 |  |  | 172 |
Consumer | 2,722 |  |  | 116 |
Total non-PCI impaired loans and leases | $ | 153,123 |  |  | $ | 5,488 |
| Year ended December 31, 2017
Non-PCI impaired loans and leases: |  |  |
Construction and land development - commercial | $ | 858 |  |  | $ | 37 |
Commercial mortgage | 73,815 |  |  | 2,596 |
Other commercial real estate | 1,642 |  |  | 34 |
Commercial and industrial and leases | 11,600 |  |  | 427 |
Other | 426 |  |  | 22 |
Residential mortgage | 33,818 |  |  | 990 |
Revolving mortgage | 14,022 |  |  | 436 |
Construction and land development - noncommercial | 3,383 |  |  | 145 |
Consumer | 2,169 |  |  | 103 |
Total non-PCI impaired loans and leases | $ | 141,733 |  |  | $ | 4,790 |
| Year ended December 31, 2016
Non-PCI impaired loans and leases: |  |  |
Construction and land development - commercial | $ | 2,700 |  |  | $ | 138 |
Commercial mortgage | 82,146 |  |  | 2,671 |
Other commercial real estate | 1,112 |  |  | 38 |
Commercial and industrial and leases | 13,185 |  |  | 480 |
Other | 687 |  |  | 33 |
Residential mortgage | 26,774 |  |  | 805 |
Revolving mortgage | 6,915 |  |  | 171 |
Construction and land development - noncommercial | 983 |  |  | 50 |
Consumer | 1,480 |  |  | 80 |
Total non-PCI impaired loans and leases | $ | 135,982 |  |  | $ | 4,466 |
Troubled Debt Restructuring, Summary of Accrual Status | The following table provides a summary of total TDRs by accrual status. Total TDRs at December 31, 2018, were $156.1 million, of which $137.9 million were non-PCI and $18.2 million were PCI. Total TDRs at December 31, 2017, were $164.6 million, of which $146.1 million were non-PCI and $18.5 million were PCI.
| December 31, 2018 |  | December 31, 2017
(Dollars in thousands) | Accruing |  | Nonaccruing |  | Total |  | Accruing |  | Nonaccruing |  | Total
Commercial loans |  |  |  |  |  |  |  |  |  |  |
Construction and land development - commercial | $ | 1,946 |  |  | $ | 352 |  |  | $ | 2,298 |  |  | $ | 4,089 |  |  | $ | 483 |  |  | $ | 4,572 |
Commercial mortgage | 53,270 |  |  | 7,795 |  |  | 61,065 |  |  | 62,358 |  |  | 15,863 |  |  | 78,221 |
Other commercial real estate | 851 |  |  | 9 |  |  | 860 |  |  | 1,012 |  |  | 788 |  |  | 1,800 |
Commercial and industrial and leases | 7,986 |  |  | 2,060 |  |  | 10,046 |  |  | 8,320 |  |  | 1,958 |  |  | 10,278 |
Other | 118 |  |  | 173 |  |  | 291 |  |  | 521 |  |  | — |  |  | 521 |
Total commercial loans | 64,171 |  |  | 10,389 |  |  | 74,560 |  |  | 76,300 |  |  | 19,092 |  |  | 95,392 |
Noncommercial |  |  |  |  |  |  |  |  |  |  |
Residential mortgage | 37,903 |  |  | 9,621 |  |  | 47,524 |  |  | 34,067 |  |  | 9,475 |  |  | 43,542 |
Revolving mortgage | 20,492 |  |  | 8,196 |  |  | 28,688 |  |  | 17,673 |  |  | 5,180 |  |  | 22,853 |
Construction and land development - noncommercial | 2,227 |  |  | 110 |  |  | 2,337 |  |  | — |  |  | — |  |  | — |
Consumer and other | 2,300 |  |  | 721 |  |  | 3,021 |  |  | 2,351 |  |  | 423 |  |  | 2,774 |
Total noncommercial loans | 62,922 |  |  | 18,648 |  |  | 81,570 |  |  | 54,091 |  |  | 15,078 |  |  | 69,169 |
Total loans | $ | 127,093 |  |  | $ | 29,037 |  |  | $ | 156,130 |  |  | $ | 130,391 |  |  | $ | 34,170 |  |  | $ | 164,561 |
Troubled Debt Restructurings on Financing Receivables |
| Year ended December 31, 2018 |  | Year ended December 31, 2017
| All restructurings |  | Restructurings with payment default |  | All restructurings |  | Restructurings with payment default
| Number of Loans | Recorded investment at period end |  | Number of Loans | Recorded investment at period end |  | Number of Loans | Recorded investment at period end |  | Number of Loans | Recorded investment at period end
(Dollars in thousands) |  |  |  |  |  |  |  |  |  |  |
Loans and leases |  |  |  |  |  |  |  |  |  |  |
Interest only period provided |  |  |  |  |  |  |  |  |  |  |
Commercial loans | 3 | $ | 1,003 |  |  | — | $ | — |  |  | 5 | $ | 1,124 |  |  | 1 | $ | 634 |
Noncommercial loans | — | — |  |  | — | — |  |  | 1 | 82 |  |  | — | — |
Total interest only | 3 | 1,003 |  |  | — | — |  |  | 6 | 1,206 |  |  | 1 | 634 |
Loan term extension |  |  |  |  |  |  |  |  |  |  |
Commercial loans | 21 | 3,933 |  |  | 4 | 675 |  |  | 13 | 3,007 |  |  | — | — |
Noncommercial loans | 21 | 1,554 |  |  | 4 | 190 |  |  | 34 | 3,510 |  |  | 2 | 273 |
Total loan term extension | 42 | 5,486 |  |  | 8 | 865 |  |  | 47 | 6,517 |  |  | 2 | 273 |
Below market interest rate |  |  |  |  |  |  |  |  |  |  |
Commercial loans | 85 | 12,859 |  |  | 24 | 2,998 |  |  | 92 | 14,811 |  |  | 32 | 3,392 |
Noncommercial loans | 184 | 15,545 |  |  | 68 | 5,461 |  |  | 271 | 15,601 |  |  | 78 | 4,591 |
Total below market interest rate | 269 | 28,404 |  |  | 92 | 8,459 |  |  | 363 | 30,412 |  |  | 110 | 7,983 |
Discharged from bankruptcy |  |  |  |  |  |  |  |  |  |  |
Commercial loans | 26 | 2,043 |  |  | 8 | 825 |  |  | 39 | 3,012 |  |  | 26 | 708 |
Noncommercial loans | 151 | 6,617 |  |  | 56 | 3,169 |  |  | 177 | 7,853 |  |  | 65 | 2,392 |
Total discharged from bankruptcy | 177 | 8,660 |  |  | 64 | 3,994 |  |  | 216 | 10,865 |  |  | 91 | 3,100 |
Total restructurings | 491 | $ | 43,553 |  |  | 164 | $ | 13,318 |  |  | 632 | $ | 49,000 |  |  | 204 | $ | 11,990 |

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