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v3.19.3.a.u2

Loans (Tables) | 12 Months Ended
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Dec. 31, 2019
Receivables [Abstract] |
Schedule of Loans by Portfolio Segment | The following table provides the balance of loans, net of unearned income, by portfolio segment as of December 31, 2019 and 2018:
|  | December 31
(Dollars in thousands) |  | 2019 |  | 2018
Commercial: (a) |  |  |  |
Commercial, financial, and industrial |  | $ | 20,051,091 |  |  | $ | 16,514,328 |
Commercial real estate |  | 4,337,017 |  |  | 4,030,870 |
Consumer: |  |  |  |
Consumer real estate (b) |  | 6,006,749 |  |  | 6,249,516 |
Permanent mortgage |  | 170,390 |  |  | 222,448 |
Credit card & other |  | 495,864 |  |  | 518,370 |
Loans, net of unearned income |  | $ | 31,061,111 |  |  | $ | 27,535,532 |
Allowance for loan losses |  | 200,307 |  |  | 180,424 |
Total net loans |  | $ | 30,860,804 |  |  | $ | 27,355,108 |
(a) | In third quarter 2019, FHN corrected a previous mis-classification of commercial loans and reclassified approximately $410 million of market investor CRE loans from the C&I portfolio to the CRE portfolio. These loans were identified during an internal review and assessment by management of certain loan populations, a portion of which relate to loans acquired as part of the Capital Bank merger. The reclassification of these loan balances between regional banking portfolios did not have an impact on FHN’s consolidated period-end or average balance sheet and had an immaterial effect on the allowance for loan losses. No adjustments were made to prior periods as the impact of the reclassification, including the effect on the allowance for loan losses was deemed to be immaterial in all periods.
(b) Balance as of December 31, 2018 includes $16.2 million of restricted real estate loans. See Note 21—Variable Interest Entities for additional information.
Certain Loans Acquired in Transfer Not Accounted for as Debt Securities Accretable Yield Movement Schedule Rollforward | The following table presents a rollforward of the accretable yield for the year ended December 31, 2019 and 2018:
|  | Year Ended December 31
(Dollars in thousands) |  | 2019 |  | 2018
Balance, beginning of period |  | $ | 13,375 |  |  | $ | 15,623 |
Accretion |  | (5,792 | ) |  | (9,467 | )
Adjustment for payoffs |  | (2,438 | ) |  | (3,896 | )
Adjustment for charge-offs |  | (479 | ) |  | (1,115 | )
Adjustment for pool excess recovery (a) |  | — |  |  | (123 | )
Increase in accretable yield (b) |  | 5,513 |  |  | 12,791 |
Disposals |  | (4 | ) |  | (240 | )
Other |  | (367 | ) |  | (198 | )
Balance, end of period |  | $ | 9,808 |  |  | $ | 13,375 |
(a) | Represents the removal of accretable difference for the remaining loans in a pool which is now in a recovery state.
(b) | Includes changes in the accretable yield due to both transfers from the nonaccretable difference and the impact of changes in the expected timing of the cash flows.
Schedule of Acquired Purchase Credit Impaired Loans by Portfolio Segment | The following table reflects the outstanding principal balance and carrying amounts of the acquired PCI loans as of December 31, 2019 and 2018:
|  | December 31, 2019 |  | December 31, 2018
(Dollars in thousands) |  | Carrying value |  | Unpaid balance |  | Carrying value |  | Unpaid balance
Commercial, financial and industrial |  | $ | 24,973 |  |  | $ | 25,938 |  |  | $ | 38,873 |  |  | $ | 44,259 |
Commercial real estate |  | 5,078 |  |  | 5,466 |  |  | 15,197 |  |  | 17,232 |
Consumer real estate |  | 23,681 |  |  | 26,245 |  |  | 30,723 |  |  | 34,820 |
Credit card and other |  | 489 |  |  | 567 |  |  | 1,627 |  |  | 1,879 |
Total |  | $ | 54,221 |  |  | $ | 58,216 |  |  | $ | 86,420 |  |  | $ | 98,190 |
Information by Class Related to Individually Impaired Loans | The following tables provide information at December 31, 2019 and 2018, by class related to individually impaired loans and consumer TDRs, regardless of accrual status. Recorded investment is defined as the amount of the investment in a loan, excluding any valuation allowance but including any direct write-down of the investment. For purposes of this disclosure, PCI loans and the TRUPS valuation allowance have been excluded.
|  | December 31, 2019
(Dollars in thousands) |  | Recorded Investment |  | Unpaid Principal Balance |  | Related Allowance |  | Average Recorded Investment |  | Interest Income Recognized
Impaired loans with no related allowance recorded: |  |  |  |  |  |  |  |  |  |
Commercial: |  |  |  |  |  |  |  |  |  |
General C&I |  | $ | 52,672 |  |  | $ | 63,602 |  |  | $ | — |  |  | $ | 61,382 |  |  | $ | 690 |
Loans to mortgage companies |  | — |  |  | — |  |  | — |  |  | 9,314 |  |  | — |
Income CRE |  | 1,563 |  |  | 1,563 |  |  | — |  |  | 1,620 |  |  | 33 |
Total |  | $ | 54,235 |  |  | $ | 65,165 |  |  | $ | — |  |  | $ | 72,316 |  |  | $ | 723 |
Consumer: |  |  |  |  |  |  |  |  |  |
HELOC (a) |  | $ | 4,940 |  |  | $ | 10,438 |  |  | $ | — |  |  | $ | 6,582 |  |  | $ | — |
R/E installment loans (a) |  | 5,329 |  |  | 6,105 |  |  | — |  |  | 5,335 |  |  | — |
Permanent mortgage (a) |  | 2,264 |  |  | 3,949 |  |  | — |  |  | 3,017 |  |  | — |
Total |  | $ | 12,533 |  |  | $ | 20,492 |  |  | $ | — |  |  | $ | 14,934 |  |  | $ | — |
Impaired loans with related allowance recorded: |  |  |  |  |  |  |  |  |  |
Commercial: |  |  |  |  |  |  |  |  |  |
General C&I |  | $ | 29,766 |  |  | $ | 31,536 |  |  | $ | 6,196 |  |  | $ | 14,328 |  |  | $ | 4 |
TRUPS |  | — |  |  | — |  |  | — |  |  | 2,445 |  |  | — |
Income CRE |  | — |  |  | — |  |  | — |  |  | 221 |  |  | 9 |
Total |  | $ | 29,766 |  |  | $ | 31,536 |  |  | $ | 6,196 |  |  | $ | 16,994 |  |  | $ | 13 |
Consumer: |  |  |  |  |  |  |  |  |  |
HELOC |  | $ | 55,522 |  |  | $ | 59,122 |  |  | $ | 7,016 |  |  | $ | 61,294 |  |  | $ | 1,868 |
R/E installment loans |  | 34,862 |  |  | 35,780 |  |  | 4,521 |  |  | 40,181 |  |  | 1,016 |
Permanent mortgage |  | 59,329 |  |  | 68,341 |  |  | 7,761 |  |  | 63,630 |  |  | 2,149 |
Credit card & other |  | 653 |  |  | 653 |  |  | 422 |  |  | 694 |  |  | 18 |
Total |  | $ | 150,366 |  |  | $ | 163,896 |  |  | $ | 19,720 |  |  | $ | 165,799 |  |  | $ | 5,051 |
Total commercial |  | $ | 84,001 |  |  | $ | 96,701 |  |  | $ | 6,196 |  |  | $ | 89,310 |  |  | $ | 736 |
Total consumer |  | $ | 162,899 |  |  | $ | 184,388 |  |  | $ | 19,720 |  |  | $ | 180,733 |  |  | $ | 5,051 |
Total impaired loans |  | $ | 246,900 |  |  | $ | 281,089 |  |  | $ | 25,916 |  |  | $ | 270,043 |  |  | $ | 5,787 |
(a) | All discharged bankruptcy loans are charged down to an estimate of net realizable value and do not carry any allowance.
|  | December 31, 2018
(Dollars in thousands) |  | Recorded Investment |  | Unpaid Principal Balance |  | Related Allowance |  | Average Recorded Investment |  | Interest Income Recognized
Impaired loans with no related allowance recorded: |  |  |  |  |  |  |  |  |  |
Commercial: |  |  |  |  |  |  |  |  |  |
General C&I |  | $ | 42,902 |  |  | $ | 45,387 |  |  | $ | — |  |  | $ | 24,186 |  |  | $ | 757 |
Income CRE |  | 1,589 |  |  | 1,589 |  |  | — |  |  | 1,434 |  |  | 51 |
Residential CRE |  | — |  |  | — |  |  | — |  |  | 374 |  |  | — |
Total |  | $ | 44,491 |  |  | $ | 46,976 |  |  | $ | — |  |  | $ | 25,994 |  |  | $ | 808 |
Consumer: |  |  |  |  |  |  |  |  |  |
HELOC (a) |  | $ | 8,645 |  |  | $ | 16,648 |  |  | $ | — |  |  | $ | 8,723 |  |  | $ | — |
R/E installment loans (a) |  | 4,314 |  |  | 4,796 |  |  | — |  |  | 4,300 |  |  | — |
Permanent mortgage (a) |  | 3,601 |  |  | 6,003 |  |  | — |  |  | 4,392 |  |  | — |
Total |  | $ | 16,560 |  |  | $ | 27,447 |  |  | $ | — |  |  | $ | 17,415 |  |  | $ | — |
Impaired loans with related allowance recorded: |  |  |  |  |  |  |  |  |  |
Commercial: |  |  |  |  |  |  |  |  |  |
General C&I |  | $ | 2,802 |  |  | $ | 2,802 |  |  | $ | 149 |  |  | $ | 16,011 |  |  | $ | — |
TRUPS |  | 2,888 |  |  | 3,700 |  |  | 925 |  |  | 2,981 |  |  | — |
Income CRE |  | 377 |  |  | 377 |  |  | — |  |  | 348 |  |  | 10 |
Residential CRE |  | — |  |  | — |  |  | — |  |  | 99 |  |  | — |
Total |  | $ | 6,067 |  |  | $ | 6,879 |  |  | $ | 1,074 |  |  | $ | 19,439 |  |  | $ | 10 |
Consumer: |  |  |  |  |  |  |  |  |  |
HELOC |  | $ | 66,482 |  |  | $ | 69,610 |  |  | $ | 11,241 |  |  | $ | 69,535 |  |  | $ | 2,273 |
R/E installment loans |  | 38,993 |  |  | 39,851 |  |  | 6,743 |  |  | 40,118 |  |  | 1,024 |
Permanent mortgage |  | 67,245 |  |  | 78,010 |  |  | 9,419 |  |  | 73,259 |  |  | 2,290 |
Credit card & other |  | 695 |  |  | 695 |  |  | 337 |  |  | 626 |  |  | 14 |
Total |  | $ | 173,415 |  |  | $ | 188,166 |  |  | $ | 27,740 |  |  | $ | 183,538 |  |  | $ | 5,601 |
Total commercial |  | $ | 50,558 |  |  | $ | 53,855 |  |  | $ | 1,074 |  |  | $ | 45,433 |  |  | $ | 818 |
Total consumer |  | $ | 189,975 |  |  | $ | 215,613 |  |  | $ | 27,740 |  |  | $ | 200,953 |  |  | $ | 5,601 |
Total impaired loans |  | $ | 240,533 |  |  | $ | 269,468 |  |  | $ | 28,814 |  |  | $ | 246,386 |  |  | $ | 6,419 |
(a) | All discharged bankruptcy loans are charged down to an estimate of net realizable value and do not carry any allowance.
Balances of Commercial Loan Portfolio Classes, Disaggregated by PD Grade | The following tables provide the balances of commercial loan portfolio classes with associated allowance, disaggregated by PD grade as of December 31, 2019 and 2018:
|  | December 31, 2019
(Dollars in thousands) |  | General C&I |  | Loans to Mortgage Companies |  | TRUPS (a) |  | Income CRE |  | Residential CRE |  | Total |  | Percentage of Total |  | Allowance for Loan Losses
PD Grade: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
1 |  | $ | 696,040 |  |  | $ | — |  |  | $ | — |  |  | $ | 1,848 |  |  | $ | — |  |  | $ | 697,888 |  |  | 3 | % |  | $ | 69 |
2 |  | 767,048 |  |  | — |  |  | — |  |  | 48,906 |  |  | 38 |  |  | 815,992 |  |  | 4 |  |  | 165 |
3 |  | 743,123 |  |  | 877,210 |  |  | 3,314 |  |  | 474,067 |  |  | 806 |  |  | 2,098,520 |  |  | 9 |  |  | 274 |
4 |  | 1,237,772 |  |  | 692,971 |  |  | 46,375 |  |  | 680,223 |  |  | 477 |  |  | 2,657,818 |  |  | 11 |  |  | 738 |
5 |  | 1,986,761 |  |  | 670,402 |  |  | 72,512 |  |  | 993,628 |  |  | 1,700 |  |  | 3,725,003 |  |  | 15 |  |  | 8,265 |
6 |  | 2,511,290 |  |  | 1,410,387 |  |  | 27,263 |  |  | 717,062 |  |  | 17,027 |  |  | 4,683,029 |  |  | 19 |  |  | 12,054 |
7 |  | 2,708,707 |  |  | 509,616 |  |  | 18,378 |  |  | 641,345 |  |  | 30,925 |  |  | 3,908,971 |  |  | 16 |  |  | 20,409 |
8 |  | 1,743,364 |  |  | 136,771 |  |  | — |  |  | 269,407 |  |  | 16,699 |  |  | 2,166,241 |  |  | 9 |  |  | 22,514 |
9 |  | 1,101,873 |  |  | 77,139 |  |  | 31,909 |  |  | 169,586 |  |  | 13,007 |  |  | 1,393,514 |  |  | 6 |  |  | 17,484 |
10 |  | 563,635 |  |  | 21,229 |  |  | 18,536 |  |  | 59,592 |  |  | 2,153 |  |  | 665,145 |  |  | 3 |  |  | 10,197 |
11 |  | 495,140 |  |  | — |  |  | — |  |  | 81,682 |  |  | 2,302 |  |  | 579,124 |  |  | 2 |  |  | 13,454 |
12 |  | 262,906 |  |  | 15,158 |  |  | — |  |  | 28,807 |  |  | 1,074 |  |  | 307,945 |  |  | 1 |  |  | 8,471 |
13 |  | 232,823 |  |  | — |  |  | — |  |  | 32,966 |  |  | 1,126 |  |  | 266,915 |  |  | 1 |  |  | 8,142 |
14,15,16 |  | 263,076 |  |  | — |  |  | — |  |  | 43,400 |  |  | 626 |  |  | 307,102 |  |  | 1 |  |  | 29,318 |
Collectively evaluated for impairment |  | 15,313,558 |  |  | 4,410,883 |  |  | 218,287 |  |  | 4,242,519 |  |  | 87,960 |  |  | 24,273,207 |  |  | 100 |  |  | 151,554 |
Individually evaluated for impairment |  | 82,438 |  |  | — |  |  | — |  |  | 1,563 |  |  | — |  |  | 84,001 |  |  | — |  |  | 6,196 |
Purchased credit-impaired loans |  | 25,925 |  |  | — |  |  | — |  |  | 4,155 |  |  | 820 |  |  | 30,900 |  |  | — |  |  | 848 |
Total commercial loans |  | $ | 15,421,921 |  |  | $ | 4,410,883 |  |  | $ | 218,287 |  |  | $ | 4,248,237 |  |  | $ | 88,780 |  |  | $ | 24,388,108 |  |  | 100 | % |  | $ | 158,598 |
(a) | Balances presented net of a $19.1 million valuation allowance.
|  | December 31, 2018
(Dollars in thousands) |  | General C&I |  | Loans to Mortgage Companies |  | TRUPS (a) |  | Income CRE |  | Residential CRE |  | Total |  | Percentage of Total |  | Allowance for Loan Losses
PD Grade: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
1 |  | $ | 610,177 |  |  | $ | — |  |  | $ | — |  |  | $ | 12,586 |  |  | $ | — |  |  | $ | 622,763 |  |  | 3 | % |  | $ | 100 |
2 |  | 835,776 |  |  | — |  |  | — |  |  | 1,688 |  |  | 29 |  |  | 837,493 |  |  | 4 |  |  | 274 |
3 |  | 782,362 |  |  | 716,971 |  |  | — |  |  | 289,594 |  |  | 147 |  |  | 1,789,074 |  |  | 9 |  |  | 315 |
4 |  | 1,223,092 |  |  | 394,862 |  |  | 43,220 |  |  | 563,243 |  |  | — |  |  | 2,224,417 |  |  | 11 |  |  | 686 |
5 |  | 1,920,034 |  |  | 277,814 |  |  | 77,751 |  |  | 798,509 |  |  | 14,150 |  |  | 3,088,258 |  |  | 15 |  |  | 8,919 |
6 |  | 1,722,136 |  |  | 365,341 |  |  | 45,609 |  |  | 657,628 |  |  | 33,759 |  |  | 2,824,473 |  |  | 14 |  |  | 8,141 |
7 |  | 2,690,784 |  |  | 96,603 |  |  | 11,446 |  |  | 538,909 |  |  | 26,135 |  |  | 3,363,877 |  |  | 16 |  |  | 16,906 |
8 |  | 1,337,113 |  |  | 53,224 |  |  | — |  |  | 265,901 |  |  | 20,320 |  |  | 1,676,558 |  |  | 8 |  |  | 18,545 |
9 |  | 1,472,852 |  |  | 96,292 |  |  | 45,117 |  |  | 455,184 |  |  | 29,849 |  |  | 2,099,294 |  |  | 10 |  |  | 15,454 |
10 |  | 490,795 |  |  | 13,260 |  |  | 18,536 |  |  | 60,803 |  |  | 3,911 |  |  | 587,305 |  |  | 3 |  |  | 8,675 |
11 |  | 311,967 |  |  | — |  |  | — |  |  | 66,986 |  |  | 788 |  |  | 379,741 |  |  | 2 |  |  | 7,973 |
12 |  | 244,867 |  |  | 9,379 |  |  | — |  |  | 82,574 |  |  | 5,717 |  |  | 342,537 |  |  | 2 |  |  | 6,972 |
13 |  | 285,987 |  |  | — |  |  | 5,786 |  |  | 55,408 |  |  | 251 |  |  | 347,432 |  |  | 2 |  |  | 10,094 |
14,15,16 |  | 224,853 |  |  | — |  |  | — |  |  | 28,835 |  |  | 837 |  |  | 254,525 |  |  | 1 |  |  | 23,307 |
Collectively evaluated for impairment |  | 14,152,795 |  |  | 2,023,746 |  |  | 247,465 |  |  | 3,877,848 |  |  | 135,893 |  |  | 20,437,747 |  |  | 100 |  |  | 126,361 |
Individually evaluated for impairment |  | 45,704 |  |  | — |  |  | 2,888 |  |  | 1,966 |  |  | — |  |  | 50,558 |  |  | — |  |  | 1,074 |
Purchased credit-impaired loans |  | 41,730 |  |  | — |  |  | — |  |  | 12,730 |  |  | 2,433 |  |  | 56,893 |  |  | — |  |  | 2,823 |
Total commercial loans |  | $ | 14,240,229 |  |  | $ | 2,023,746 |  |  | $ | 250,353 |  |  | $ | 3,892,544 |  |  | $ | 138,326 |  |  | $ | 20,545,198 |  |  | 100 | % |  | $ | 130,258 |
(a) Balances presented net of a $20.2 million valuation allowance. In 3Q18, FHN sold $55.5 million of TRUPS loans with a $5.0 million valuation allowance. Upon sale, a gain of $3.8 million was recognized in the Non-Strategic segment within Fixed Income in the Consolidated Statement of Income. An additional TRUPS loan with a principal balance of $3.0 million and a valuation of $.3 million was paid off in fourth quarter 2018.
Loans by FICO Score, Consumer | The following table reflects the percentage of balances outstanding by average, refreshed FICO scores for the HELOC, real estate installment, and permanent mortgage classes of loans as of December 31, 2019 and 2018:
|  | December 31, 2019 |  | December 31, 2018
|  | HELOC |  | R/E Installment Loans |  | Permanent Mortgage |  | HELOC |  | R/E Installment Loans |  | Permanent Mortgage
FICO score 740 or greater |  | 62.0 | % |  |  | 72.9 | % |  |  | 44.8 | % |  |  | 61.4 | % |  |  | 71.3 | % |  |  | 51.8 | % |
FICO score 720-739 |  | 8.6 |  |  |  | 8.3 |  |  |  | 9.7 |  |  |  | 8.5 |  |  |  | 8.8 |  |  |  | 7.6 |  |
FICO score 700-719 |  | 7.6 |  |  |  | 6.1 |  |  |  | 12.3 |  |  |  | 7.6 |  |  |  | 7.0 |  |  |  | 10.6 |  |
FICO score 660-699 |  | 10.8 |  |  |  | 7.7 |  |  |  | 16.3 |  |  |  | 10.9 |  |  |  | 7.6 |  |  |  | 14.7 |  |
FICO score 620-659 |  | 4.7 |  |  |  | 2.6 |  |  |  | 9.7 |  |  |  | 5.1 |  |  |  | 2.8 |  |  |  | 6.5 |  |
FICO score less than 620 (a) |  | 6.3 |  |  |  | 2.4 |  |  |  | 7.2 |  |  |  | 6.5 |  |  |  | 2.5 |  |  |  | 8.8 |  |
Total |  | 100.0 | % |  |  | 100.0 | % |  |  | 100.0 | % |  |  | 100.0 | % |  |  | 100.0 | % |  |  | 100.0 | % |
(a) | For this group, a majority of the loan balances had FICO scores at the time of the origination that exceeded 620 but have since deteriorated as the loans have seasoned.
Accruing and Non-Accruing Loans by Class | The following table reflects accruing and non-accruing loans by class on December 31, 2019:
|  | Accruing |  | Non-Accruing |  |
(Dollars in thousands) |  | Current |  | 30-89 Days Past Due |  | 90+ Days Past Due |  | Total Accruing |  | Current |  | 30-89 Days Past Due |  | 90+ Days Past Due |  | Total Non- Accruing |  | Total Loans
Commercial (C&I): |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
General C&I |  | $ | 15,314,292 |  |  | $ | 7,155 |  |  | $ | 237 |  |  | $ | 15,321,684 |  |  | $ | 36,564 |  |  | $ | 14,385 |  |  | $ | 23,363 |  |  | $ | 74,312 |  |  | $ | 15,395,996 |
Loans to mortgage companies |  | 4,410,883 |  |  | — |  |  | — |  |  | 4,410,883 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 4,410,883 |
TRUPS (a) |  | 218,287 |  |  | — |  |  | — |  |  | 218,287 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 218,287 |
Purchased credit-impaired loans |  | 23,840 |  |  | 287 |  |  | 1,798 |  |  | 25,925 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 25,925 |
Total commercial (C&I) |  | 19,967,302 |  |  | 7,442 |  |  | 2,035 |  |  | 19,976,779 |  |  | 36,564 |  |  | 14,385 |  |  | 23,363 |  |  | 74,312 |  |  | 20,051,091 |
Commercial real estate: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Income CRE |  | 4,242,044 |  |  | 679 |  |  | — |  |  | 4,242,723 |  |  | — |  |  | 19 |  |  | 1,340 |  |  | 1,359 |  |  | 4,244,082 |
Residential CRE |  | 87,487 |  |  | 7 |  |  | — |  |  | 87,494 |  |  | — |  |  | 466 |  |  | — |  |  | 466 |  |  | 87,960 |
Purchased credit-impaired loans |  | 4,752 |  |  | 128 |  |  | 95 |  |  | 4,975 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 4,975 |
Total commercial real estate |  | 4,334,283 |  |  | 814 |  |  | 95 |  |  | 4,335,192 |  |  | — |  |  | 485 |  |  | 1,340 |  |  | 1,825 |  |  | 4,337,017 |
Consumer real estate: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
HELOC |  | 1,217,344 |  |  | 9,156 |  |  | 5,669 |  |  | 1,232,169 |  |  | 43,007 |  |  | 4,227 |  |  | 7,472 |  |  | 54,706 |  |  | 1,286,875 |
R/E installment loans |  | 4,662,783 |  |  | 10,580 |  |  | 5,138 |  |  | 4,678,501 |  |  | 13,001 |  |  | 1,005 |  |  | 2,601 |  |  | 16,607 |  |  | 4,695,108 |
Purchased credit-impaired loans |  | 18,720 |  |  | 2,770 |  |  | 3,276 |  |  | 24,766 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 24,766 |
Total consumer real estate |  | 5,898,847 |  |  | 22,506 |  |  | 14,083 |  |  | 5,935,436 |  |  | 56,008 |  |  | 5,232 |  |  | 10,073 |  |  | 71,313 |  |  | 6,006,749 |
Permanent mortgage |  | 149,663 |  |  | 2,314 |  |  | 4,032 |  |  | 156,009 |  |  | 7,709 |  |  | 71 |  |  | 6,601 |  |  | 14,381 |  |  | 170,390 |
Credit card & other: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Credit card |  | 198,917 |  |  | 1,076 |  |  | 1,178 |  |  | 201,171 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 201,171 |
Other |  | 291,700 |  |  | 1,802 |  |  | 337 |  |  | 293,839 |  |  | 101 |  |  | 44 |  |  | 189 |  |  | 334 |  |  | 294,173 |
Purchased credit-impaired loans |  | 323 |  |  | 98 |  |  | 99 |  |  | 520 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 520 |
Total credit card & other |  | 490,940 |  |  | 2,976 |  |  | 1,614 |  |  | 495,530 |  |  | 101 |  |  | 44 |  |  | 189 |  |  | 334 |  |  | 495,864 |
Total loans, net of unearned income |  | $ | 30,841,035 |  |  | $ | 36,052 |  |  | $ | 21,859 |  |  | $ | 30,898,946 |  |  | $ | 100,382 |  |  | $ | 20,217 |  |  | $ | 41,566 |  |  | $ | 162,165 |  |  | $ | 31,061,111 |
(a) TRUPS is presented net of the valuation allowance of $19.1 million. The following table reflects accruing and non-accruing loans by class on December 31, 2018:
|  | Accruing |  | Non-Accruing |  |
(Dollars in thousands) |  | Current |  | 30-89 Days Past Due |  | 90+ Days Past Due |  | Total Accruing |  | Current |  | 30-89 Days Past Due |  | 90+ Days Past Due |  | Total Non- Accruing |  | Total Loans
Commercial (C&I): |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
General C&I |  | $ | 14,153,275 |  |  | $ | 8,234 |  |  | $ | 102 |  |  | $ | 14,161,611 |  |  | $ | 26,325 |  |  | $ | 5,537 |  |  | $ | 5,026 |  |  | $ | 36,888 |  |  | $ | 14,198,499 |
Loans to mortgage companies |  | 2,023,746 |  |  | — |  |  | — |  |  | 2,023,746 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 2,023,746 |
TRUPS (a) |  | 247,465 |  |  | — |  |  | — |  |  | 247,465 |  |  | — |  |  | — |  |  | 2,888 |  |  | 2,888 |  |  | 250,353 |
Purchased credit-impaired loans |  | 39,433 |  |  | 624 |  |  | 1,673 |  |  | 41,730 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 41,730 |
Total commercial (C&I) |  | 16,463,919 |  |  | 8,858 |  |  | 1,775 |  |  | 16,474,552 |  |  | 26,325 |  |  | 5,537 |  |  | 7,914 |  |  | 39,776 |  |  | 16,514,328 |
Commercial real estate: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Income CRE |  | 3,876,229 |  |  | 626 |  |  | — |  |  | 3,876,855 |  |  | 30 |  |  | — |  |  | 2,929 |  |  | 2,959 |  |  | 3,879,814 |
Residential CRE |  | 135,861 |  |  | — |  |  | — |  |  | 135,861 |  |  | 32 |  |  | — |  |  | — |  |  | 32 |  |  | 135,893 |
Purchased credit-impaired loans |  | 13,308 |  |  | 103 |  |  | 1,752 |  |  | 15,163 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 15,163 |
Total commercial real estate |  | 4,025,398 |  |  | 729 |  |  | 1,752 |  |  | 4,027,879 |  |  | 62 |  |  | — |  |  | 2,929 |  |  | 2,991 |  |  | 4,030,870 |
Consumer real estate: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
HELOC |  | 1,443,651 |  |  | 11,653 |  |  | 10,129 |  |  | 1,465,433 |  |  | 49,009 |  |  | 3,314 |  |  | 8,781 |  |  | 61,104 |  |  | 1,526,537 |
R/E installment loans |  | 4,652,658 |  |  | 10,470 |  |  | 6,497 |  |  | 4,669,625 |  |  | 15,146 |  |  | 1,924 |  |  | 4,474 |  |  | 21,544 |  |  | 4,691,169 |
Purchased credit-impaired loans |  | 24,096 |  |  | 2,094 |  |  | 5,620 |  |  | 31,810 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 31,810 |
Total consumer real estate |  | 6,120,405 |  |  | 24,217 |  |  | 22,246 |  |  | 6,166,868 |  |  | 64,155 |  |  | 5,238 |  |  | 13,255 |  |  | 82,648 |  |  | 6,249,516 |
Permanent mortgage |  | 193,591 |  |  | 2,585 |  |  | 4,562 |  |  | 200,738 |  |  | 11,227 |  |  | 996 |  |  | 9,487 |  |  | 21,710 |  |  | 222,448 |
Credit card & other: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Credit card |  | 188,009 |  |  | 2,133 |  |  | 1,203 |  |  | 191,345 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 191,345 |
Other |  | 320,551 |  |  | 3,570 |  |  | 526 |  |  | 324,647 |  |  | 110 |  |  | 60 |  |  | 454 |  |  | 624 |  |  | 325,271 |
Purchased credit-impaired loans |  | 746 |  |  | 611 |  |  | 397 |  |  | 1,754 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 1,754 |
Total credit card & other |  | 509,306 |  |  | 6,314 |  |  | 2,126 |  |  | 517,746 |  |  | 110 |  |  | 60 |  |  | 454 |  |  | 624 |  |  | 518,370 |
Total loans, net of unearned income |  | $ | 27,312,619 |  |  | $ | 42,703 |  |  | $ | 32,461 |  |  | $ | 27,387,783 |  |  | $ | 101,879 |  |  | $ | 11,831 |  |  | $ | 34,039 |  |  | $ | 147,749 |  |  | $ | 27,535,532 |
(a) TRUPS is presented net of the valuation allowance of $20.2 million.
Schedule of Troubled Debt Restructurings Occurring During the Year | The following tables reflect portfolio loans that were classified as TDRs during the year ended December 31, 2019 and 2018:
|  | 2019 |  | 2018
(Dollars in thousands) |  | Number |  | Pre-Modification Outstanding Recorded Investment |  | Post-Modification Outstanding Recorded Investment |  | Number |  | Pre-Modification Outstanding Recorded Investment |  | Post-Modification Outstanding Recorded Investment
Commercial (C&I): |  |  |  |  |  |  |  |  |  |  |  |
General C&I |  | 4 |  |  | $ | 14,179 |  |  | $ | 14,101 |  |  | 9 |  |  | $ | 27,639 |  |  | $ | 27,190 |
Total commercial (C&I) |  | 4 |  |  | 14,179 |  |  | 14,101 |  |  | 9 |  |  | 27,639 |  |  | 27,190 |
Commercial real estate: |  |  |  |  |  |  |  |  |  |  |  |
Income CRE |  | — |  |  | — |  |  | — |  |  | 4 |  |  | 643 |  |  | 637 |
Total commercial real estate |  | — |  |  | — |  |  | — |  |  | 4 |  |  | 643 |  |  | 637 |
Consumer real estate: |  |  |  |  |  |  |  |  |  |  |  |
HELOC |  | 74 |  |  | 8,028 |  |  | 7,946 |  |  | 103 |  |  | 9,406 |  |  | 9,283 |
R/E installment loans |  | 96 |  |  | 10,408 |  |  | 10,445 |  |  | 92 |  |  | 8,077 |  |  | 7,848 |
Total consumer real estate |  | 170 |  |  | 18,436 |  |  | 18,391 |  |  | 195 |  |  | 17,483 |  |  | 17,131 |
Permanent mortgage |  | 8 |  |  | 1,771 |  |  | 1,798 |  |  | 8 |  |  | 1,001 |  |  | 1,184 |
Credit card & other |  | 85 |  |  | 379 |  |  | 358 |  |  | 132 |  |  | 604 |  |  | 570 |
Total troubled debt restructurings |  | 267 |  |  | $ | 34,765 |  |  | $ | 34,648 |  |  | 348 |  |  | $ | 47,370 |  |  | $ | 46,712 |
Schedule of Troubled Debt Restructurings within the Previous 12 Months | The following tables present TDRs which re-defaulted during 2019 and 2018, and as to which the modification occurred 12 months or less prior to the re-default. For purposes of this disclosure, FHN generally defines payment default as 30 or more days past due.
|  | 2019 |  | 2018
(Dollars in thousands) |  | Number |  | Recorded Investment |  | Number |  | Recorded Investment
Commercial (C&I): |  |  |  |  |  |  |  |
General C&I |  | — |  |  | $ | — |  |  | 2 |  |  | $ | 579 |
Total commercial (C&I) |  | — |  |  | — |  |  | 2 |  |  | 579 |
Consumer real estate: |  |  |  |  |  |  |  |
HELOC |  | 7 |  |  | 1,141 |  |  | 6 |  |  | 239 |
R/E installment loans |  | 3 |  |  | 98 |  |  | 2 |  |  | 146 |
Total consumer real estate |  | 10 |  |  | 1,239 |  |  | 8 |  |  | 385 |
Permanent mortgage |  | 1 |  |  | 7 |  |  | 6 |  |  | 749 |
Credit card & other |  | 32 |  |  | 115 |  |  | 49 |  |  | 239 |
Total troubled debt restructurings |  | 43 |  |  | $ | 1,361 |  |  | 65 |  |  | $ | 1,952 |

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