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v3.23.3

Allowance for Credit Losses (Tables) | 9 Months Ended
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Sep. 30, 2023
Credit Loss [Abstract] |
Schedule of Aging of the Company's Loan Portfolio | The tables below show the aging of the Company’s loan portfolio by the segmentation noted above at September 30, 2023, December 31, 2022 and September 30, 2022:
As of September 30, 2023 |  |  | 90+ days and still accruing |  | 60-89 days past due |  | 30-59 days past due |  |  |  |
(In thousands) | Nonaccrual |  |  |  |  | Current |  | Total Loans
Loan Balances (includes PCD): |  |  |  |  |  |  |  |  |  |  |
Commercial |  |  |  |  |  |  |  |  |  |  |
Commercial, industrial and other | $ | 43,569 |  |  | $ | 200 |  |  | $ | 22,889 |  |  | $ | 35,681 |  |  | $ | 12,623,134 |  |  | $ | 12,725,473 |
Commercial real estate |  |  |  |  |  |  |  |  |  |  |
Construction and development | 8,384 |  |  | — |  |  | 2,438 |  |  | 31,292 |  |  | 1,851,659 |  |  | 1,893,773 |
Non-construction | 8,659 |  |  | 1,092 |  |  | 4,957 |  |  | 29,692 |  |  | 9,008,007 |  |  | 9,052,407 |
Home equity | 1,363 |  |  | — |  |  | 219 |  |  | 1,668 |  |  | 340,008 |  |  | 343,258 |
Residential real estate, excluding early buy-out loans | 16,103 |  |  | — |  |  | 1,145 |  |  | 904 |  |  | 2,520,478 |  |  | 2,538,630 |
Premium finance receivables |  |  |  |  |  |  |  |  |  |  |
Property and casualty insurance loans | 26,756 |  |  | 16,253 |  |  | 16,552 |  |  | 31,919 |  |  | 6,631,267 |  |  | 6,722,747 |
Life insurance loans | — |  |  | 10,679 |  |  | 41,894 |  |  | 14,972 |  |  | 7,864,263 |  |  | 7,931,808 |
Consumer and other | 16 |  |  | 27 |  |  | 196 |  |  | 519 |  |  | 68,205 |  |  | 68,963 |
Total loans, net of unearned income, excluding early buy-out loans | $ | 104,850 |  |  | $ | 28,251 |  |  | $ | 90,290 |  |  | $ | 146,647 |  |  | $ | 40,907,021 |  |  | $ | 41,277,059 |
Early buy-out loans guaranteed by U.S. government agencies (1) | 117 |  |  | 57,558 |  |  | 2,116 |  |  | — |  |  | 109,182 |  |  | 168,973 |
Total loans, net of unearned income | $ | 104,967 |  |  | $ | 85,809 |  |  | $ | 92,406 |  |  | $ | 146,647 |  |  | $ | 41,016,203 |  |  | $ | 41,446,032 |
As of December 31, 2022 |  |  | 90+ days and still accruing |  | 60-89 days past due |  | 30-59 days past due |  |  |  |  |  |
(In thousands) | Nonaccrual |  |  |  |  | Current |  | Total Loans |  |
Loan Balances (includes PCD): |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial, industrial and other | $ | 35,579 |  |  | $ | 462 |  |  | $ | 21,128 |  |  | $ | 56,696 |  |  | $ | 12,435,299 |  |  | $ | 12,549,164 |  |  |
Commercial real estate |  |  |  |  |  |  |  |  |  |  |  |  |
Construction and development | 416 |  |  | — |  |  | 361 |  |  | 14,390 |  |  | 1,471,763 |  |  | 1,486,930 |  |  |
Non-construction | 5,971 |  |  | — |  |  | 1,883 |  |  | 16,285 |  |  | 8,439,878 |  |  | 8,464,017 |  |  |
Home equity | 1,487 |  |  | — |  |  | — |  |  | 2,152 |  |  | 329,059 |  |  | 332,698 |  |  |
Residential real estate, excluding early buy-out loans | 10,171 |  |  | — |  |  | 4,364 |  |  | 9,982 |  |  | 2,183,078 |  |  | 2,207,595 |  |  |
Premium finance receivables |  |  |  |  |  |  |  |  |  |  |  |  |
Property and casualty insurance loans | 13,470 |  |  | 15,841 |  |  | 14,926 |  |  | 40,557 |  |  | 5,764,665 |  |  | 5,849,459 |  |  |
Life insurance loans | — |  |  | 17,245 |  |  | 5,260 |  |  | 68,725 |  |  | 7,999,768 |  |  | 8,090,998 |  |  |
Consumer and other | 6 |  |  | 49 |  |  | 18 |  |  | 224 |  |  | 50,539 |  |  | 50,836 |  |  |
Total loans, net of unearned income, excluding early buy-out loans | $ | 67,100 |  |  | $ | 33,597 |  |  | $ | 47,940 |  |  | $ | 209,011 |  |  | $ | 38,674,049 |  |  | $ | 39,031,697 |  |  |
Early buy-out loans guaranteed by U.S. government agencies (1) | 31,279 |  |  | 47,450 |  |  | 984 |  |  | 1,584 |  |  | 83,491 |  |  | 164,788 |  |  |
Total loans, net of unearned income | $ | 98,379 |  |  | $ | 81,047 |  |  | $ | 48,924 |  |  | $ | 210,595 |  |  | $ | 38,757,540 |  |  | $ | 39,196,485 |  |  |
(1)Early buy-out loans are insured or guaranteed by the FHA or the U.S. Department of Veterans Affairs, subject to indemnifications and insurance limits for certain loans.
As of September 30, 2022 |  |  | 90+ days and still accruing |  | 60-89 days past due |  | 30-59 days past due |  |  |  |
(In thousands) | Nonaccrual |  |  |  |  | Current |  | Total Loans
Loan Balances (includes PCD): |  |  |  |  |  |  |  |  |  |  |
Commercial |  |  |  |  |  |  |  |  |  |  |
Commercial, industrial and other | $ | 44,293 |  |  | $ | 237 |  |  | $ | 24,641 |  |  | $ | 34,917 |  |  | $ | 12,155,162 |  |  | $ | 12,259,250 |
Commercial real estate |  |  |  |  |  |  |  |  |  |  |
Construction and development | 889 |  |  | — |  |  | — |  |  | 5,715 |  |  | 1,518,907 |  |  | 1,525,511 |
Non-construction | 9,588 |  |  | — |  |  | 6,041 |  |  | 24,256 |  |  | 8,012,788 |  |  | 8,052,673 |
Home equity | 1,320 |  |  | — |  |  | 125 |  |  | 848 |  |  | 326,529 |  |  | 328,822 |
Residential real estate, excluding early buy-out loans | 9,787 |  |  | — |  |  | 2,149 |  |  | 15 |  |  | 2,074,844 |  |  | 2,086,795 |
Premium finance receivables |  |  |  |  |  |  |  |  |  |  |
Property and casualty insurance loans | 13,026 |  |  | 16,624 |  |  | 15,301 |  |  | 21,128 |  |  | 5,647,261 |  |  | 5,713,340 |
Life insurance loans | — |  |  | 1,831 |  |  | 13,628 |  |  | 44,954 |  |  | 7,944,443 |  |  | 8,004,856 |
Consumer and other | 7 |  |  | 31 |  |  | 26 |  |  | 343 |  |  | 47,295 |  |  | 47,702 |
Total loans, net of unearned income, excluding early buy-out loans | $ | 78,910 |  |  | $ | 18,723 |  |  | $ | 61,911 |  |  | $ | 132,176 |  |  | $ | 37,727,229 |  |  | $ | 38,018,949 |
Early buy-out loans guaranteed by U.S. government agencies (1) | 24,020 |  |  | 68,067 |  |  | 489 |  |  | 104 |  |  | 55,984 |  |  | 148,664 |
Total loans, net of unearned income | $ | 102,930 |  |  | $ | 86,790 |  |  | $ | 62,400 |  |  | $ | 132,280 |  |  | $ | 37,783,213 |  |  | $ | 38,167,613 |
(1)Early buy-out loans are insured or guaranteed by the FHA or the U.S. Department of Veterans Affairs, subject to indemnifications and insurance limits for certain loans.
Schedule of Loan Portfolio by Credit Quality Indicator | The table below shows the Company’s loan portfolio by credit quality indicator and year of origination at September 30, 2023:
| Year of Origination |  |  | Revolving |  | Total
(In thousands) | 2023 | 2022 | 2021 | 2020 | 2019 | Prior |  | Revolving | to Term |  | Loans
Loan Balances: |  |  |  |  |  |  |  |  |  |  |
Commercial, industrial and other |  |  |  |  |  |  |  |  |  |  |
Pass | $ | 2,148,269 |  | $ | 2,182,012 |  | $ | 1,717,737 |  | $ | 772,160 |  | $ | 492,465 |  | $ | 1,011,144 |  |  | $ | 3,854,978 |  | $ | 5,633 |  |  | $ | 12,184,398 |
Special mention | 18,043 |  | 47,296 |  | 69,910 |  | 18,805 |  | 16,248 |  | 5,140 |  |  | 112,580 |  | 1,255 |  |  | 289,277 |
Substandard accrual | 3,683 |  | 40,284 |  | 19,105 |  | 1,409 |  | 9,179 |  | 38,135 |  |  | 95,331 |  | 1,103 |  |  | 208,229 |
Substandard nonaccrual/doubtful | 20,920 |  | 4,315 |  | 6,284 |  | 4,155 |  | 6,215 |  | 1,610 |  |  | 70 |  | — |  |  | 43,569 |
Total commercial, industrial and other | $ | 2,190,915 |  | $ | 2,273,907 |  | $ | 1,813,036 |  | $ | 796,529 |  | $ | 524,107 |  | $ | 1,056,029 |  |  | $ | 4,062,959 |  | $ | 7,991 |  |  | $ | 12,725,473 |
Construction and development |  |  |  |  |  |  |  |  |  |  |
Pass | $ | 231,587 |  | $ | 760,955 |  | $ | 434,667 |  | $ | 174,574 |  | $ | 85,436 |  | $ | 94,739 |  |  | $ | 18,842 |  | $ | 364 |  |  | $ | 1,801,164 |
Special mention | — |  | — |  | 3,887 |  | — |  | 19,937 |  | 14,302 |  |  | — |  | — |  |  | 38,126 |
Substandard accrual | — |  | 2,475 |  | — |  | 1,132 |  | 29,360 |  | 13,132 |  |  | — |  | — |  |  | 46,099 |
Substandard nonaccrual/doubtful | — |  | — |  | — |  | 8,249 |  | — |  | 135 |  |  | — |  | — |  |  | 8,384 |
Total construction and development | $ | 231,587 |  | $ | 763,430 |  | $ | 438,554 |  | $ | 183,955 |  | $ | 134,733 |  | $ | 122,308 |  |  | $ | 18,842 |  | $ | 364 |  |  | $ | 1,893,773 |
Non-construction |  |  |  |  |  |  |  |  |  |  |
Pass | $ | 1,108,119 |  | $ | 1,856,346 |  | $ | 1,402,456 |  | $ | 999,191 |  | $ | 762,188 |  | $ | 2,482,011 |  |  | $ | 164,654 |  | $ | 1,452 |  |  | $ | 8,776,417 |
Special mention | 6,621 |  | 11,567 |  | 27,250 |  | 13,324 |  | 23,755 |  | 48,640 |  |  | 5,000 |  | 1,437 |  |  | 137,594 |
Substandard accrual | — |  | 1,412 |  | 5,519 |  | 20,916 |  | 24,101 |  | 77,789 |  |  | — |  | — |  |  | 129,737 |
Substandard nonaccrual/doubtful | 908 |  | — |  | 25 |  | 785 |  | — |  | 6,941 |  |  | — |  | — |  |  | 8,659 |
Total non-construction | $ | 1,115,648 |  | $ | 1,869,325 |  | $ | 1,435,250 |  | $ | 1,034,216 |  | $ | 810,044 |  | $ | 2,615,381 |  |  | $ | 169,654 |  | $ | 2,889 |  |  | $ | 9,052,407 |
Home equity |  |  |  |  |  |  |  |  |  |  |
Pass | $ | — |  | $ | — |  | $ | — |  | $ | 45 |  | $ | 93 |  | $ | 6,438 |  |  | $ | 322,726 |  | $ | 467 |  |  | $ | 329,769 |
Special mention | — |  | 228 |  | 64 |  | — |  | 67 |  | 1,622 |  |  | 2,893 |  | — |  |  | 4,874 |
Substandard accrual | — |  | — |  | — |  | — |  | — |  | 5,885 |  |  | 1,239 |  | 128 |  |  | 7,252 |
Substandard nonaccrual/doubtful | — |  | — |  | 77 |  | 112 |  | 17 |  | 971 |  |  | 95 |  | 91 |  |  | 1,363 |
Total home equity | $ | — |  | $ | 228 |  | $ | 141 |  | $ | 157 |  | $ | 177 |  | $ | 14,916 |  |  | $ | 326,953 |  | $ | 686 |  |  | $ | 343,258 |
Residential real estate |  |  |  |  |  |  |  |  |  |  |
Early buy-out loans guaranteed by U.S. government agencies | $ | — |  | $ | 2,524 |  | $ | 5,501 |  | $ | 9,550 |  | $ | 18,123 |  | $ | 133,275 |  |  | $ | — |  | $ | — |  |  | $ | 168,973 |
Pass | 359,397 |  | 835,153 |  | 796,743 |  | 218,433 |  | 112,360 |  | 177,538 |  |  | — |  | — |  |  | 2,499,624 |
Special mention | 1,186 |  | 3,373 |  | 1,673 |  | 1,343 |  | 348 |  | 4,991 |  |  | — |  | — |  |  | 12,914 |
Substandard accrual | 919 |  | 2,575 |  | 1,022 |  | 1,059 |  | 490 |  | 3,924 |  |  | — |  | — |  |  | 9,989 |
Substandard nonaccrual/doubtful | 103 |  | 2,084 |  | 3,288 |  | 811 |  | 2,471 |  | 7,346 |  |  | — |  | — |  |  | 16,103 |
Total residential real estate | $ | 361,605 |  | $ | 845,709 |  | $ | 808,227 |  | $ | 231,196 |  | $ | 133,792 |  | $ | 327,074 |  |  | $ | — |  | $ | — |  |  | $ | 2,707,603 |
Premium finance receivables - property and casualty |  |  |  |  |  |  |  |  |  |  |
Pass | $ | 6,433,013 |  | $ | 133,881 |  | $ | 19,877 |  | $ | 3,167 |  | $ | 135 |  | $ | — |  |  | $ | — |  | $ | — |  |  | $ | 6,590,073 |
Special mention | 98,681 |  | 2,574 |  | 128 |  | 1 |  | — |  | — |  |  | — |  | — |  |  | 101,384 |
Substandard accrual | 2,429 |  | 2,103 |  | 2 |  | — |  | — |  | — |  |  | — |  | — |  |  | 4,534 |
Substandard nonaccrual/doubtful | 17,359 |  | 9,300 |  | 91 |  | 6 |  | — |  | — |  |  | — |  | — |  |  | 26,756 |
Total premium finance receivables - property and casualty | $ | 6,551,482 |  | $ | 147,858 |  | $ | 20,098 |  | $ | 3,174 |  | $ | 135 |  | $ | — |  |  | $ | — |  | $ | — |  |  | $ | 6,722,747 |
Premium finance receivables - life |  |  |  |  |  |  |  |  |  |  |
Pass | $ | 268,027 |  | $ | 637,571 |  | $ | 868,576 |  | $ | 1,048,697 |  | $ | 924,944 |  | $ | 4,183,993 |  |  | $ | — |  | $ | — |  |  | $ | 7,931,808 |
Special mention | — |  | — |  | — |  | — |  | — |  | — |  |  | — |  | — |  |  | — |
Substandard accrual | — |  | — |  | — |  | — |  | — |  | — |  |  | — |  | — |  |  | — |
Substandard nonaccrual/doubtful | — |  | — |  | — |  | — |  | — |  | — |  |  | — |  | — |  |  | — |
Total premium finance receivables - life | $ | 268,027 |  | $ | 637,571 |  | $ | 868,576 |  | $ | 1,048,697 |  | $ | 924,944 |  | $ | 4,183,993 |  |  | $ | — |  | $ | — |  |  | $ | 7,931,808 |
Consumer and other |  |  |  |  |  |  |  |  |  |  |
Pass | $ | 3,067 |  | $ | 1,649 |  | $ | 958 |  | $ | 120 |  | $ | 364 |  | $ | 21,229 |  |  | $ | 41,388 |  | $ | — |  |  | $ | 68,775 |
Special mention | 2 |  | 15 |  | — |  | — |  | — |  | 100 |  |  | 3 |  | — |  |  | 120 |
Substandard accrual | — |  | 7 |  | — |  | — |  | — |  | 35 |  |  | 10 |  | — |  |  | 52 |
Substandard nonaccrual/doubtful | 10 |  | 2 |  | 4 |  | — |  | — |  | — |  |  | — |  | — |  |  | 16 |
Total consumer and other | $ | 3,079 |  | $ | 1,673 |  | $ | 962 |  | $ | 120 |  | $ | 364 |  | $ | 21,364 |  |  | $ | 41,401 |  | $ | — |  |  | $ | 68,963 |
Total loans |  |  |  |  |  |  |  |  |  |  |
Early buy-out loans guaranteed by U.S. government agencies | $ | — |  | $ | 2,524 |  | $ | 5,501 |  | $ | 9,550 |  | $ | 18,123 |  | $ | 133,275 |  |  | $ | — |  | $ | — |  |  | $ | 168,973 |
Pass | 10,551,479 |  | 6,407,567 |  | 5,241,014 |  | 3,216,387 |  | 2,377,985 |  | 7,977,092 |  |  | 4,402,588 |  | 7,916 |  |  | 40,182,028 |
Special mention | 124,533 |  | 65,053 |  | 102,912 |  | 33,473 |  | 60,355 |  | 74,795 |  |  | 120,476 |  | 2,692 |  |  | 584,289 |
Substandard accrual | 7,031 |  | 48,856 |  | 25,648 |  | 24,516 |  | 63,130 |  | 138,900 |  |  | 96,580 |  | 1,231 |  |  | 405,892 |
Substandard nonaccrual/doubtful | 39,300 |  | 15,701 |  | 9,769 |  | 14,118 |  | 8,703 |  | 17,003 |  |  | 165 |  | 91 |  |  | 104,850 |
Total loans | $ | 10,722,343 |  | $ | 6,539,701 |  | $ | 5,384,844 |  | $ | 3,298,044 |  | $ | 2,528,296 |  | $ | 8,341,065 |  |  | $ | 4,619,809 |  | $ | 11,930 |  |  | $ | 41,446,032 |
Gross write offs |  |  |  |  |  |  |  |  |  |  |
Three months ended September 30, 2023 | $ | 6,285 |  | $ | 2,889 |  | $ | 525 |  | $ | 35 |  | $ | 350 |  | $ | 393 |  |  | $ | — |  | $ | — |  |  | $ | 10,477 |
Nine months ended September 30, 2023 | 11,726 |  | 8,351 |  | 2,774 |  | 5,531 |  | 5,682 |  | 2,280 |  |  | — |  | — |  |  | 36,344 |
Schedule of Held-to-Maturity Debt Securities by Credit Quality Indicator | For purposes of the table below, the Company has converted any issuer rating from an NRSRO into the Company’s internal ratings based on Investment Policy and review by the Company’s management.
As of September 30, 2023 | Year of Origination |  | Total
(In thousands) | 2023 | 2022 | 2021 | 2020 | 2019 | Prior |  | Balance
Amortized Cost Balances: |  |  |  |  |  |  |  |
U.S. government agencies |  |  |  |  |  |  |  |
1-4 internal grade | $ | — |  | $ | 160,000 |  | $ | 147,808 |  | $ | 25,000 |  | $ | 4,000 |  | $ | 2,790 |  |  | $ | 339,598 |
5-7 internal grade | — |  | — |  | — |  | — |  | — |  | — |  |  | — |
8-10 internal grade | — |  | — |  | — |  | — |  | — |  | — |  |  | — |
Total U.S. government agencies | $ | — |  | $ | 160,000 |  | $ | 147,808 |  | $ | 25,000 |  | $ | 4,000 |  | $ | 2,790 |  |  | $ | 339,598 |
Municipal |  |  |  |  |  |  |  |
1-4 internal grade | $ | 4,176 |  | $ | 1,040 |  | $ | 6,932 |  | $ | 259 |  | $ | 614 |  | $ | 163,241 |  |  | $ | 176,262 |
5-7 internal grade | — |  | — |  | — |  | — |  | — |  | — |  |  | — |
8-10 internal grade | — |  | — |  | — |  | — |  | — |  | — |  |  | — |
Total municipal | $ | 4,176 |  | $ | 1,040 |  | $ | 6,932 |  | $ | 259 |  | $ | 614 |  | $ | 163,241 |  |  | $ | 176,262 |
Mortgage-backed securities |  |  |  |  |  |  |  |
1-4 internal grade | $ | 393,193 |  | $ | 583,401 |  | $ | 2,359,360 |  | $ | — |  | $ | — |  | $ | — |  |  | $ | 3,335,954 |
5-7 internal grade | — |  | — |  | — |  | — |  | — |  | — |  |  | — |
8-10 internal grade | — |  | — |  | — |  | — |  | — |  | — |  |  | — |
Total mortgage-backed securities | $ | 393,193 |  | $ | 583,401 |  | $ | 2,359,360 |  | $ | — |  | $ | — |  | $ | — |  |  | $ | 3,335,954 |
Corporate notes |  |  |  |  |  |  |  |
1-4 internal grade | $ | — |  | $ | 14,965 |  | $ | — |  | $ | 6,008 |  | $ | 7,248 |  | $ | 29,496 |  |  | $ | 57,717 |
5-7 internal grade | — |  | — |  | — |  | — |  | — |  | — |  |  | — |
8-10 internal grade | — |  | — |  | — |  | — |  | — |  | — |  |  | — |
Total corporate notes | $ | — |  | $ | 14,965 |  | $ | — |  | $ | 6,008 |  | $ | 7,248 |  | $ | 29,496 |  |  | $ | 57,717 |
Total held-to-maturity securities |  |  |  |  |  |  |  | $ | 3,909,531 |
Less: Allowance for credit losses |  |  |  |  |  |  |  | (381) |
Held-to-maturity securities, net of allowance for credit losses |  |  |  |  |  |  |  | $ | 3,909,150 |
Schedule of Allowance for Credit Losses | As significant judgment is required, the review of the appropriateness of the allowance for credit losses is performed quarterly by various committees with participation by the Company's executive management.
|  | September 30, |  |  |  |  |  | December 31, |  | September 30,
(In thousands) |  | 2023 |  |  |  |  |  | 2022 |  | 2022
Allowance for loan losses |  | $ | 315,039 |  |  |  |  |  |  | $ | 270,173 |  |  | $ | 246,110 |
Allowance for unfunded lending-related commitments losses |  | 84,111 |  |  |  |  |  |  | 87,275 |  |  | 68,918 |
Allowance for loan losses and unfunded lending-related commitments losses |  | 399,150 |  |  |  |  |  |  | 357,448 |  |  | 315,028 |
Allowance for held-to-maturity securities losses |  | 381 |  |  |  |  |  |  | 488 |  |  | 310 |
Allowance for credit losses |  | $ | 399,531 |  |  |  |  |  |  | $ | 357,936 |  |  | $ | 315,338 |
Schedule of Activity in the Allowance for Credit Losses by Loan Portfolio | A summary of activity in the allowance for credit losses, specifically for the loan portfolio (i.e. allowance for loan losses and allowance for unfunded commitment losses), for the three and nine months ended September 30, 2023 and 2022 is as follows.
Three months ended September 30, 2023 |  |  | Commercial Real Estate |  | Home Equity |  | Residential Real Estate |  | Premium Finance Receivables |  | Consumer and Other |  | Total Loans
(In thousands) | Commercial |  |  |  |  |  |
Allowance for credit losses at beginning of period | $ | 143,142 |  |  | $ | 215,696 |  |  | $ | 6,967 |  |  | $ | 12,252 |  |  | $ | 9,046 |  |  | $ | 277 |  |  | $ | 387,380 |
Other adjustments | — |  |  | — |  |  | — |  |  | — |  |  | (60) |  |  | — |  |  | (60) |
Charge-offs | (2,427) |  |  | (1,713) |  |  | (227) |  |  | (78) |  |  | (5,848) |  |  | (184) |  |  | (10,477) |
Recoveries | 1,162 |  |  | 243 |  |  | 33 |  |  | 1 |  |  | 906 |  |  | 14 |  |  | 2,359 |
Provision for credit losses | 9,611 |  |  | 1,492 |  |  | 307 |  |  | 484 |  |  | 7,776 |  |  | 278 |  |  | 19,948 |
Allowance for credit losses at period end | $ | 151,488 |  |  | $ | 215,718 |  |  | $ | 7,080 |  |  | $ | 12,659 |  |  | $ | 11,820 |  |  | $ | 385 |  |  | $ | 399,150 |
By measurement method: |  |  |  |  |  |  |  |  |  |  |  |  |
Individually measured | $ | 9,773 |  |  | $ | 5,408 |  |  | $ | — |  |  | $ | 109 |  |  | $ | — |  |  | $ | 12 |  |  | $ | 15,302 |
Collectively measured | 141,715 |  |  | 210,310 |  |  | 7,080 |  |  | 12,550 |  |  | 11,820 |  |  | 373 |  |  | 383,848 |
Loans at period end |  |  |  |  |  |  |  |  |  |  |  |  |
Individually measured | $ | 43,569 |  |  | $ | 17,043 |  |  | $ | 1,363 |  |  | $ | 15,946 |  |  | $ | — |  |  | $ | 16 |  |  | $ | 77,937 |
Collectively measured | 12,681,904 |  |  | 10,929,137 |  |  | 341,895 |  |  | 2,520,479 |  |  | 14,654,555 |  |  | 68,947 |  |  | 41,196,917 |
Loans held at fair value | — |  |  | — |  |  | — |  |  | 171,178 |  |  | — |  |  | — |  |  | 171,178 |
Three months ended September 30, 2022 | Commercial |  | Commercial Real Estate |  | Home Equity |  | Residential Real Estate |  | Premium Finance Receivables |  | Consumer and Other |  | Total Loans
(In thousands) |  |  |  |  |  |
Allowance for credit losses at beginning of period | $ | 142,919 |  |  | $ | 143,732 |  |  | $ | 6,990 |  |  | $ | 10,479 |  |  | $ | 7,502 |  |  | $ | 487 |  |  | $ | 312,109 |
Other adjustments | — |  |  | — |  |  | — |  |  | — |  |  | (105) |  |  | — |  |  | (105) |
Charge-offs | (780) |  |  | (24) |  |  | (43) |  |  | (5) |  |  | (6,037) |  |  | (635) |  |  | (7,524) |
Recoveries | 2,523 |  |  | 55 |  |  | 38 |  |  | 60 |  |  | 1,648 |  |  | 31 |  |  | 4,355 |
Provision for credit losses | (9,346) |  |  | 6,955 |  |  | 70 |  |  | 489 |  |  | 7,424 |  |  | 601 |  |  | 6,193 |
Allowance for credit losses at period end | $ | 135,316 |  |  | $ | 150,718 |  |  | $ | 7,055 |  |  | $ | 11,023 |  |  | $ | 10,432 |  |  | $ | 484 |  |  | $ | 315,028 |
By measurement method: |  |  |  |  |  |  |  |  |  |  |  |  |
Individually measured | $ | 8,866 |  |  | $ | 378 |  |  | $ | 71 |  |  | $ | 727 |  |  | $ | — |  |  | $ | 1 |  |  | $ | 10,043 |
Collectively measured | 126,450 |  |  | 150,340 |  |  | 6,984 |  |  | 10,296 |  |  | 10,432 |  |  | 483 |  |  | 304,985 |
Loans at period end |  |  |  |  |  |  |  |  |  |  |  |  |
Individually measured | $ | 46,547 |  |  | $ | 27,882 |  |  | $ | 11,421 |  |  | $ | 19,440 |  |  | $ | — |  |  | $ | 75 |  |  | $ | 105,365 |
Collectively measured | 12,212,703 |  |  | 9,550,302 |  |  | 317,401 |  |  | 2,059,126 |  |  | 13,718,196 |  |  | 47,627 |  |  | 37,905,355 |
Loans held at fair value | — |  |  | — |  |  | — |  |  | 156,893 |  |  | — |  |  | — |  |  | 156,893 |
Nine months ended September 30, 2023 |  |  | Commercial Real Estate |  | Home Equity |  | Residential Real Estate |  | Premium Finance Receivables |  | Consumer and Other |  | Total Loans
(In thousands) | Commercial |  |  |  |  |  |
Allowance for credit losses at beginning of period | $ | 142,769 |  |  | $ | 184,352 |  |  | $ | 7,573 |  |  | $ | 11,585 |  |  | $ | 10,671 |  |  | $ | 498 |  |  | $ | 357,448 |
Cumulative effect adjustment from the adoption of ASU 2016-13 | 111 |  |  | 1,356 |  |  | (33) |  |  | (692) |  |  | — |  |  | (1) |  |  | 741 |
Other adjustments | — |  |  | — |  |  | — |  |  | — |  |  | (15) |  |  | — |  |  | (15) |
Charge-offs | (10,599) |  |  | (9,842) |  |  | (227) |  |  | (78) |  |  | (15,151) |  |  | (447) |  |  | (36,344) |
Recoveries | 2,059 |  |  | 368 |  |  | 105 |  |  | 11 |  |  | 3,119 |  |  | 69 |  |  | 5,731 |
Provision for credit losses | 17,148 |  |  | 39,484 |  |  | (338) |  |  | 1,833 |  |  | 13,196 |  |  | 266 |  |  | 71,589 |
Allowance for credit losses at period end | $ | 151,488 |  |  | $ | 215,718 |  |  | $ | 7,080 |  |  | $ | 12,659 |  |  | $ | 11,820 |  |  | $ | 385 |  |  | $ | 399,150 |
Nine months ended September 30, 2022 |  |  | Commercial Real Estate |  | Home Equity |  | Residential Real Estate |  | Premium Finance Receivables |  | Consumer and Other |  | Total Loans
(In thousands) | Commercial |  |  |  |  |  |
Allowance for credit losses at beginning of period | $ | 119,307 |  |  | $ | 144,583 |  |  | $ | 10,699 |  |  | $ | 8,782 |  |  | $ | 15,859 |  |  | $ | 423 |  |  | $ | 299,653 |
Other adjustments | — |  |  | — |  |  | — |  |  | — |  |  | (139) |  |  | — |  |  | (139) |
Charge-offs | (11,122) |  |  | (841) |  |  | (432) |  |  | (471) |  |  | (10,618) |  |  | (1,081) |  |  | (24,565) |
Recoveries | 4,057 |  |  | 640 |  |  | 254 |  |  | 71 |  |  | 4,243 |  |  | 103 |  |  | 9,368 |
Provision for credit losses | 23,074 |  |  | 6,336 |  |  | (3,466) |  |  | 2,641 |  |  | 1,087 |  |  | 1,039 |  |  | 30,711 |
Allowance for credit losses at period end | $ | 135,316 |  |  | $ | 150,718 |  |  | $ | 7,055 |  |  | $ | 11,023 |  |  | $ | 10,432 |  |  | $ | 484 |  |  | $ | 315,028 |
Schedule of Modification of Loans | The table below presents a summary of the balance immediately following the modification of loans to borrowers experiencing financial difficulties during the three and nine months ended September 30, 2023:
Three months ended September 30, 2023 (Dollars in thousands) |  | Total (1) |  | Percentage of Total Class of Loan |  | Extension of Term (1) |  | Reduction of Interest Rate (1) |  | Delay in Contractual Payments (1) |  | Extension of Term and Reduction of Interest Rate (1)
Commercial |  |  |  |  |  |  |  |  |  |  |  |
Commercial, industrial and other |  | $ | 1,256 |  |  | 0.0 | % |  | $ | 1,256 |  |  | $ | — |  |  | $ | — |  |  | $ | — |
Residential real estate |  | 141 |  |  | 0.0 |  |  | 141 |  |  | — |  |  | — |  |  | — |
Premium finance receivables |  |  |  |  |  |  |  |  |  |  |  |
Property and casualty insurance loans |  | 40 |  |  | 0.0 |  |  | 40 |  |  | — |  |  | — |  |  | — |
Total loans |  | $ | 1,437 |  |  | 0.0 | % |  | $ | 1,437 |  |  | $ | — |  |  | $ | — |  |  | $ | — |
Weighted average magnitude of modifications: |  |  |  |  |  |  |  |  |  |  |  |
Duration of extension of term |  | 16 months |  |  |  |  |  |  |  |  |  |
Nine months ended September 30, 2023 (Dollars in thousands) |  | Total (1) |  | Percentage of Total Class of Loan |  | Extension of Term (1) |  | Reduction of Interest Rate (1) |  | Delay in Contractual Payments (1) |  | Extension of Term and Reduction of Interest Rate (1)
Commercial |  |  |  |  |  |  |  |  |  |  |  |
Commercial, industrial and other |  | $ | 39,153 |  |  | 0.3 | % |  | $ | 3,194 |  |  | $ | 221 |  |  | $ | 35,265 |  |  | $ | 473 |
Commercial real estate |  |  |  |  |  |  |  |  |  |  |  |
Non-construction |  | 5,709 |  |  | 0.1 |  |  | 467 |  |  | 827 |  |  | 39 |  |  | 4,376 |
Home equity |  | 203 |  |  | 0.1 |  |  | 203 |  |  | — |  |  | — |  |  | — |
Residential real estate |  | 2,113 |  |  | 0.1 |  |  | 1,537 |  |  | 271 |  |  | — |  |  | 305 |
Premium finance receivables |  |  |  |  |  |  |  |  |  |  |  |
Property and casualty insurance loans |  | 51 |  |  | 0.0 |  |  | 43 |  |  | — |  |  | — |  |  | 8 |
Total loans |  | $ | 47,229 |  |  | 0.1 | % |  | $ | 5,444 |  |  | $ | 1,319 |  |  | $ | 35,304 |  |  | $ | 5,162 |
Weighted average magnitude of modifications: |  |  |  |  |  |  |  |  |  |  |  |
Duration of extension of term |  | 33 months |  |  |  |  |  |  |  |  |  |
Reduction of interest rate |  | 223 | bps |  |  |  |  |  |  |  |  |  |
Duration of delayed contractual payment terms |  | 17 months |  |  |  |  |  |  |  |  |  |
(1)Balances represent the recorded investment in the loan at the time of the restructuring. The table below presents a summary of the balance immediately following the modification of loans restructured during the three and nine months ended September 30, 2022 which represent TDRs:
Three months ended September 30, 2022 (Dollars in thousands) |  | Total (1)(2) |  | Extension at Below Market Terms (2) |  | Reduction of Interest Rate (2) |  | Modification to Interest-only Payments (2) |  | Forgiveness of Debt (2)
| Count |  | Balance |  | Count |  | Balance |  | Count |  | Balance |  | Count |  | Balance |  | Count |  | Balance
Commercial |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial, industrial and other |  | — |  |  | $ | — |  |  | — |  |  | $ | — |  |  | — |  |  | $ | — |  |  | — |  |  | $ | — |  |  | — |  |  | $ | — |
Commercial real estate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Non-construction |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Residential real estate and other |  | 7 |  |  | 708 |  |  | 7 |  |  | 708 |  |  | 3 |  |  | 435 |  |  | — |  |  | — |  |  | — |  |  | — |
Total loans |  | 7 |  |  | $ | 708 |  |  | 7 |  |  | $ | 708 |  |  | 3 |  |  | $ | 435 |  |  | — |  |  | $ | — |  |  | — |  |  | $ | — |
Nine months ended September 30, 2022 (Dollars in thousands) |  | Total (1)(2) |  | Extension at Below Market Terms (2) |  | Reduction of Interest Rate (2) |  | Modification to Interest-only Payments (2) |  | Forgiveness of Debt(2)
| Count |  | Balance |  | Count |  | Balance |  | Count |  | Balance |  | Count |  | Balance |  | Count |  | Balance
Commercial |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial, industrial and other |  | 5 |  |  | $ | 468 |  |  | 4 |  |  | $ | 305 |  |  | 1 |  |  | $ | 85 |  |  | 2 |  |  | $ | 247 |  |  | — |  |  | $ | — |
Commercial real estate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Non-construction |  | 2 |  |  | 1,907 |  |  | 1 |  |  | 1,178 |  |  | 1 |  |  | 1,178 |  |  | 2 |  |  | 1,907 |  |  | — |  |  | — |
Residential real estate and other |  | 29 |  |  | 3,851 |  |  | 29 |  |  | 3,851 |  |  | 20 |  |  | 3,002 |  |  | — |  |  | — |  |  | — |  |  | — |
Total loans |  | 36 |  |  | $ | 6,226 |  |  | 34 |  |  | $ | 5,334 |  |  | 22 |  |  | $ | 4,265 |  |  | 4 |  |  | $ | 2,154 |  |  | — |  |  | $ | — |
(1)TDRs may have more than one modification representing a concession. As such, TDRs during the period may be represented in more than one of the categories noted above. (2)Balances represent the recorded investment in the loan at the time of the restructuring. The following table presents a summary of all loans restructured in TDRs during the twelve months ended September 30, 2022 and such loans that were in payment default under the restructured terms during the respective periods below:
(Dollars in thousands) | As of September 30, 2022 |  | Three Months Ended September 30, 2022 |  |  |  |  | Nine Months Ended September 30, 2022
Total (1)(3) |  | Payments in Default (2)(3) |  |  |  |  | Payments in Default (2)(3)
Count |  | Balance |  | Count |  | Balance |  |  |  |  |  |  |  |  | Count |  | Balance
Commercial |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial, industrial and other | 15 |  |  | $ | 4,995 |  |  | 10 |  |  | $ | 4,469 |  |  |  |  |  |  |  |  |  | 11 |  |  | $ | 4,710 |
Commercial real estate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Non-construction | 2 |  |  | 1,907 |  |  | — |  |  | — |  |  |  |  |  |  |  |  |  | — |  |  | — |
Residential real estate and other | 39 |  |  | 6,310 |  |  | 3 |  |  | 598 |  |  |  |  |  |  |  |  |  | 3 |  |  | 598 |
Total loans | 56 |  |  | $ | 13,212 |  |  | 13 |  |  | $ | 5,067 |  |  |  |  |  |  |  |  |  | 14 |  |  | $ | 5,308 |
(1)Total TDRs represent all loans restructured om TDRs during the previous twelve months from the date indicated. (2)TDRs considered to be in payment default are over 30 days past due subsequent to the restructuring. (3)Balances represent the recorded investment in the loan at the time of the restructuring.
Schedule of Loans for Borrowers Experiencing Financial Difficulties Modified | The following table presents a summary of all loans for borrowers experiencing financial difficulties modified during the nine months ended September 30, 2023, and such loans that were in payment default under the restructured terms during the respective periods below:
(Dollars in thousands) |  |  | As of September 30, 2023 |  |  |  | Three Months Ended September 30, 2023 |  |  | Nine Months Ended September 30, 2023
|  | Total (2) |  |  |  | Payments in Default (1)(2) |  |  | Payments in Default (1)(2)
Commercial |  |  |  |  |  |  |  |  |  |
Commercial, industrial and other |  |  | $ | 39,153 |  |  |  |  | $ | 18,727 |  |  |  | $ | 18,749 |
Commercial real estate |  |  |  |  |  |  |  |  |  |
Non-construction |  |  | 5,709 |  |  |  |  | 95 |  |  |  | 923 |
Home equity |  |  | 203 |  |  |  |  | 203 |  |  |  | 203 |
Residential real estate |  |  | 2,113 |  |  |  |  | 817 |  |  |  | 902 |
Premium finance receivables |  |  |  |  |  |  |  |  |  |
Property and casualty insurance loans |  |  | 51 |  |  |  |  | 40 |  |  |  | 40 |
Total loans |  |  | $ | 47,229 |  |  |  |  | $ | 19,882 |  |  |  | $ | 20,817 |
(1)Modified loans considered to be in payment default are over 30 days past due subsequent to the restructuring. (2)Balances represent the recorded investment in the loan at the time of the restructuring.
Schedule of the Modification Balance of Loans Restructured | The table below presents a summary of the balance immediately following the modification of loans to borrowers experiencing financial difficulties during the three and nine months ended September 30, 2023:
Three months ended September 30, 2023 (Dollars in thousands) |  | Total (1) |  | Percentage of Total Class of Loan |  | Extension of Term (1) |  | Reduction of Interest Rate (1) |  | Delay in Contractual Payments (1) |  | Extension of Term and Reduction of Interest Rate (1)
Commercial |  |  |  |  |  |  |  |  |  |  |  |
Commercial, industrial and other |  | $ | 1,256 |  |  | 0.0 | % |  | $ | 1,256 |  |  | $ | — |  |  | $ | — |  |  | $ | — |
Residential real estate |  | 141 |  |  | 0.0 |  |  | 141 |  |  | — |  |  | — |  |  | — |
Premium finance receivables |  |  |  |  |  |  |  |  |  |  |  |
Property and casualty insurance loans |  | 40 |  |  | 0.0 |  |  | 40 |  |  | — |  |  | — |  |  | — |
Total loans |  | $ | 1,437 |  |  | 0.0 | % |  | $ | 1,437 |  |  | $ | — |  |  | $ | — |  |  | $ | — |
Weighted average magnitude of modifications: |  |  |  |  |  |  |  |  |  |  |  |
Duration of extension of term |  | 16 months |  |  |  |  |  |  |  |  |  |
Nine months ended September 30, 2023 (Dollars in thousands) |  | Total (1) |  | Percentage of Total Class of Loan |  | Extension of Term (1) |  | Reduction of Interest Rate (1) |  | Delay in Contractual Payments (1) |  | Extension of Term and Reduction of Interest Rate (1)
Commercial |  |  |  |  |  |  |  |  |  |  |  |
Commercial, industrial and other |  | $ | 39,153 |  |  | 0.3 | % |  | $ | 3,194 |  |  | $ | 221 |  |  | $ | 35,265 |  |  | $ | 473 |
Commercial real estate |  |  |  |  |  |  |  |  |  |  |  |
Non-construction |  | 5,709 |  |  | 0.1 |  |  | 467 |  |  | 827 |  |  | 39 |  |  | 4,376 |
Home equity |  | 203 |  |  | 0.1 |  |  | 203 |  |  | — |  |  | — |  |  | — |
Residential real estate |  | 2,113 |  |  | 0.1 |  |  | 1,537 |  |  | 271 |  |  | — |  |  | 305 |
Premium finance receivables |  |  |  |  |  |  |  |  |  |  |  |
Property and casualty insurance loans |  | 51 |  |  | 0.0 |  |  | 43 |  |  | — |  |  | — |  |  | 8 |
Total loans |  | $ | 47,229 |  |  | 0.1 | % |  | $ | 5,444 |  |  | $ | 1,319 |  |  | $ | 35,304 |  |  | $ | 5,162 |
Weighted average magnitude of modifications: |  |  |  |  |  |  |  |  |  |  |  |
Duration of extension of term |  | 33 months |  |  |  |  |  |  |  |  |  |
Reduction of interest rate |  | 223 | bps |  |  |  |  |  |  |  |  |  |
Duration of delayed contractual payment terms |  | 17 months |  |  |  |  |  |  |  |  |  |
(1)Balances represent the recorded investment in the loan at the time of the restructuring. The table below presents a summary of the balance immediately following the modification of loans restructured during the three and nine months ended September 30, 2022 which represent TDRs:
Three months ended September 30, 2022 (Dollars in thousands) |  | Total (1)(2) |  | Extension at Below Market Terms (2) |  | Reduction of Interest Rate (2) |  | Modification to Interest-only Payments (2) |  | Forgiveness of Debt (2)
| Count |  | Balance |  | Count |  | Balance |  | Count |  | Balance |  | Count |  | Balance |  | Count |  | Balance
Commercial |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial, industrial and other |  | — |  |  | $ | — |  |  | — |  |  | $ | — |  |  | — |  |  | $ | — |  |  | — |  |  | $ | — |  |  | — |  |  | $ | — |
Commercial real estate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Non-construction |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Residential real estate and other |  | 7 |  |  | 708 |  |  | 7 |  |  | 708 |  |  | 3 |  |  | 435 |  |  | — |  |  | — |  |  | — |  |  | — |
Total loans |  | 7 |  |  | $ | 708 |  |  | 7 |  |  | $ | 708 |  |  | 3 |  |  | $ | 435 |  |  | — |  |  | $ | — |  |  | — |  |  | $ | — |
Nine months ended September 30, 2022 (Dollars in thousands) |  | Total (1)(2) |  | Extension at Below Market Terms (2) |  | Reduction of Interest Rate (2) |  | Modification to Interest-only Payments (2) |  | Forgiveness of Debt(2)
| Count |  | Balance |  | Count |  | Balance |  | Count |  | Balance |  | Count |  | Balance |  | Count |  | Balance
Commercial |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial, industrial and other |  | 5 |  |  | $ | 468 |  |  | 4 |  |  | $ | 305 |  |  | 1 |  |  | $ | 85 |  |  | 2 |  |  | $ | 247 |  |  | — |  |  | $ | — |
Commercial real estate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Non-construction |  | 2 |  |  | 1,907 |  |  | 1 |  |  | 1,178 |  |  | 1 |  |  | 1,178 |  |  | 2 |  |  | 1,907 |  |  | — |  |  | — |
Residential real estate and other |  | 29 |  |  | 3,851 |  |  | 29 |  |  | 3,851 |  |  | 20 |  |  | 3,002 |  |  | — |  |  | — |  |  | — |  |  | — |
Total loans |  | 36 |  |  | $ | 6,226 |  |  | 34 |  |  | $ | 5,334 |  |  | 22 |  |  | $ | 4,265 |  |  | 4 |  |  | $ | 2,154 |  |  | — |  |  | $ | — |
(1)TDRs may have more than one modification representing a concession. As such, TDRs during the period may be represented in more than one of the categories noted above. (2)Balances represent the recorded investment in the loan at the time of the restructuring. The following table presents a summary of all loans restructured in TDRs during the twelve months ended September 30, 2022 and such loans that were in payment default under the restructured terms during the respective periods below:
(Dollars in thousands) | As of September 30, 2022 |  | Three Months Ended September 30, 2022 |  |  |  |  | Nine Months Ended September 30, 2022
Total (1)(3) |  | Payments in Default (2)(3) |  |  |  |  | Payments in Default (2)(3)
Count |  | Balance |  | Count |  | Balance |  |  |  |  |  |  |  |  | Count |  | Balance
Commercial |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial, industrial and other | 15 |  |  | $ | 4,995 |  |  | 10 |  |  | $ | 4,469 |  |  |  |  |  |  |  |  |  | 11 |  |  | $ | 4,710 |
Commercial real estate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Non-construction | 2 |  |  | 1,907 |  |  | — |  |  | — |  |  |  |  |  |  |  |  |  | — |  |  | — |
Residential real estate and other | 39 |  |  | 6,310 |  |  | 3 |  |  | 598 |  |  |  |  |  |  |  |  |  | 3 |  |  | 598 |
Total loans | 56 |  |  | $ | 13,212 |  |  | 13 |  |  | $ | 5,067 |  |  |  |  |  |  |  |  |  | 14 |  |  | $ | 5,308 |
(1)Total TDRs represent all loans restructured om TDRs during the previous twelve months from the date indicated. (2)TDRs considered to be in payment default are over 30 days past due subsequent to the restructuring. (3)Balances represent the recorded investment in the loan at the time of the restructuring.

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