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Loans (Tables)

9 Months Ended

Sep. 30, 2015

Receivables [Abstract]

Loans

Loans were as follows:

	September 30, 2015				Percentage of Total			December 31, 2014				Percentage of Total
Commercial and industrial:
Commercial	$	5,533,383			48.7	%		$	5,429,206			49.4	%
Leases	343,516				3.0			338,537				3.1
Total commercial and industrial	5,876,899				51.7			5,767,743				52.5
Commercial real estate:
Commercial mortgages	3,222,107				28.4			3,080,202				28.0
Construction	718,991				6.3			629,988				5.7
Land	280,749				2.5			291,907				2.7
Total commercial real estate	4,221,847				37.2			4,002,097				36.4
Consumer real estate:
Home equity loans	339,336				3.0			342,725				3.1
Home equity lines of credit	226,874				2.0			220,128				2.0
Other	305,460				2.7			286,198				2.6
Total consumer real estate	871,670				7.7			849,051				7.7
Total real estate	5,093,517				44.9			4,851,148				44.1
Consumer and other:
Consumer installment	408,928				3.6			385,479				3.5
Other	4,044				—			8,122				0.1
Total consumer and other	412,972				3.6			393,601				3.6
Unearned discounts	(24,438		)		(0.2	)		(24,957		)		(0.2	)
Total loans	$	11,358,950			100.0	%		$	10,987,535			100.0	%

Non-Accrual Loans, Segregated by Class of Loans

Non-accrual loans, segregated by class of loans, were as follows:

	September 30, 2015				December 31, 2014
Commercial and industrial:
Energy	$	13,209			$	636
Other commercial	24,986				34,108
Commercial real estate:
Buildings, land and other	14,714				19,639
Construction	243				2,792
Consumer real estate	2,067				2,212
Consumer and other	233				538
Total	$	55,452			$	59,925

Age Analysis of Past Due Loans, Segregated by Class of Loans

An age analysis of past due loans (including both accruing and non-accruing loans), segregated by class of loans, as of September 30, 2015 was as follows:

	Loans 30-89 Days Past Due				Loans 90 or More Days Past Due				Total Past Due Loans				Current Loans				Total Loans				Accruing Loans 90 or More Days Past Due
Commercial and industrial:
Energy	$	3,062			$	13,698			$	16,760			$	1,771,748			$	1,788,508			$	568
Other commercial	22,387				19,634				42,021				4,046,370				4,088,391				1,898
Commercial real estate:
Buildings, land and other	28,405				7,085				35,490				3,467,366				3,502,856				2,941
Construction	950				326				1,276				717,715				718,991				326
Consumer real estate	3,699				1,367				5,066				866,604				871,670				1,025
Consumer and other	7,193				1,021				8,214				404,758				412,972				954
Unearned discounts	—				—				—				(24,438		)		(24,438		)		—
Total	$	65,696			$	43,131			$	108,827			$	11,250,123			$	11,358,950			$	7,712

Impaired Loans

Impaired loans are set forth in the following table. No interest income was recognized on impaired loans subsequent to their classification as impaired.

	Unpaid Contractual Principal Balance				Recorded Investment With No Allowance				Recorded Investment With Allowance				Total Recorded Investment				Related Allowance
September 30, 2015
Commercial and industrial:
Energy	$	13,206			$	13,130			$	—			$	13,130			$	—
Other commercial	26,763				20,037				2,572				22,609				1,463
Commercial real estate:
Buildings, land and other	17,821				12,741				130				12,871				71
Construction	467				243				—				243				—
Consumer real estate	774				522				—				522				—
Consumer and other	—				—				—				—				—
Total	$	59,031			$	46,673			$	2,702			$	49,375			$	1,534
December 31, 2014
Commercial and industrial:
Energy	$	706			$	636			$	—			$	636			$	—
Other commercial	42,212				29,007				2,853				31,860				1,613
Commercial real estate:
Buildings, land and other	22,919				17,441				265				17,706				67
Construction	3,007				2,793				—				2,793				—
Consumer real estate	812				596				—				596				—
Consumer and other	—				—				—				—				—
Total	$	69,656			$	50,473			$	3,118			$	53,591			$	1,680

Average Recorded Investment In Impaired Loans

The average recorded investment in impaired loans was as follows:

	Three Months Ended   September 30,								Nine Months Ended   September 30,
	2015				2014				2015				2014
Commercial and industrial:
Energy	$	6,883			$	581			$	3,760			$	555
Other commercial	25,487				31,088				28,457				25,977
Commercial real estate:
Buildings, land and other	13,003				19,198				14,658				20,998
Construction	249				295				1,507				226
Consumer real estate	836				657				709				694
Consumer and other	—				126				—				199
Total	$	46,458			$	51,945			$	49,091			$	48,649

Troubled Debt Restructurings

Troubled debt restructurings during the nine months ended September 30, 2015 and September 30, 2014 are set forth in the following table.

	Nine Months Ended   September 30, 2015								Nine Months Ended   September 30, 2014
	Balance at Restructure				Balance at Period-End				Balance at Restructure				Balance at Period-End
Commercial and industrial:
Energy	$	—			$	—			$	—			$	—
Other commercial	709				554				3,752				3,516
Commercial real estate:
Buildings, land and other	—				—				3,122				3,008
	$	709			$	554			$	6,874			$	6,524

Weighted Average Risk Grades for All Commercial Loans by Class

The following table presents weighted average risk grades for all commercial loans by class.

	September 30, 2015							December 31, 2014
	Weighted Average Risk Grade			Loans				Weighted Average Risk Grade			Loans
Commercial and industrial:
Energy
Risk grades 1-8	6.01			$	1,576,300			5.37			$	1,740,455
Risk grade 9	9.00			70,893				9.00			27,313
Risk grade 10	10.00			56,139				10.00			161
Risk grade 11	11.00			71,967				11.00			5,380
Risk grade 12	12.00			13,209				12.00			636
Risk grade 13	13.00			—				13.00			—
Total energy	6.50			$	1,788,508			5.45			$	1,773,945
Other commercial
Risk grades 1-8	5.91			$	3,850,675			5.93			$	3,785,171
Risk grade 9	9.00			96,444				9.00			65,166
Risk grade 10	10.00			62,346				10.00			54,519
Risk grade 11	11.00			53,739				11.00			55,034
Risk grade 12	12.00			23,405				12.00			31,683
Risk grade 13	13.00			1,782				13.00			2,225
Total other commercial	6.15			$	4,088,391			6.16			$	3,993,798
Commercial real estate:
Buildings, land and other
Risk grades 1-8	6.59			$	3,229,737			6.53			$	3,148,339
Risk grade 9	9.00			127,132				9.00			72,906
Risk grade 10	10.00			69,812				10.00			87,889
Risk grade 11	11.00			61,461				11.00			43,336
Risk grade 12	12.00			14,643				12.00			19,501
Risk grade 13	13.00			71				13.00			138
Total commercial real estate	6.84			$	3,502,856			6.76			$	3,372,109
Construction
Risk grades 1-8	6.86			$	711,523			6.91			$	617,805
Risk grade 9	9.00			3,463				9.00			8,003
Risk grade 10	10.00			3,379				10.00			1,323
Risk grade 11	11.00			383				11.00			64
Risk grade 12	12.00			243				12.00			2,793
Risk grade 13	13.00			—				13.00			—
Total construction	6.89			$	718,991			6.97			$	629,988

Net (Charge-Offs)/Recoveries, Segregated by Class of Loans

Net (charge-offs)/recoveries, segregated by class of loans, were as follows:

	Three Months Ended   September 30,								Nine Months Ended   September 30,
	2015				2014				2015				2014
Commercial and industrial:
Energy	$	—			$	2			$	3			$	449
Other commercial	(2,115		)		738				(4,650		)		(2,539		)
Commercial real estate:
Buildings, land and other	201				53				173				(1,965		)
Construction	1				31				17				346
Consumer real estate	(222		)		(609		)		(169		)		(613		)
Consumer and other	(909		)		(579		)		(2,388		)		(1,718		)
Total	$	(3,044	)		$	(364	)		$	(7,014	)		$	(6,040	)

Unallocated Portion of Allowance for Loan Losses

The following table presents details of the allowance for loan losses, segregated by loan portfolio segment.

	Commercial and Industrial				Commercial Real Estate				Consumer Real Estate				Consumer and Other				Total
September 30, 2015
Historical valuation allowances	$	41,814			$	15,211			$	2,089			$	12,181			$	71,295
Specific valuation allowances	1,463				71				—				—				1,534
General valuation allowances:
Environmental risk adjustment	7,932				3,752				492				3,144				15,320
Distressed industries	2,309				265				—				—				2,574
Excessive industry concentrations	5,765				216				—				—				5,981
Large relationship concentrations	2,461				1,768				—				—				4,229
Highly-leveraged credit relationships	4,446				1,217				—				—				5,663
Policy exceptions	2,531				925				—				—				3,456
Loans not reviewed by concurrence	2,121				2,193				2,448				1,083				7,845
Adjustment for recoveries	(3,588		)		(1,032		)		(475		)		(7,987		)		(13,082		)
General macroeconomic risk	3,549				1,297				250				462				5,558
Total	$	70,803			$	25,883			$	4,804			$	8,883			$	110,373
December 31, 2014
Historical valuation allowances	$	32,421			$	14,684			$	2,017			$	10,482			$	59,604
Specific valuation allowances	1,613				67				—				—				1,680
General valuation allowances:
Environmental risk adjustment	6,773				3,547				474				2,683				13,477
Distressed industries	3,090				3				—				—				3,093
Excessive industry concentrations	2,114				378				—				—				2,492
Large relationship concentrations	2,248				1,559				—				—				3,807
Highly-leveraged credit relationships	3,958				1,347				—				—				5,305
Policy exceptions	1,907				875				—				—				2,782
Credit and collateral exceptions	1,483				681				—				—				2,164
Loans not reviewed by concurrence	2,110				2,284				2,336				1,176				7,906
Adjustment for recoveries	(6,234		)		(1,800		)		(364		)		(7,439		)		(15,837		)
General macroeconomic risk	7,709				3,538				715				1,107				13,069
Total	$	59,192			$	27,163			$	5,178			$	8,009			$	99,542

Activity in Allowance for Loan Losses by Portfolio Segment

The following table details activity in the allowance for loan losses by portfolio segment for the three and nine months ended September 30, 2015 and 2014. Allocation of a portion of the allowance to one category of loans does not preclude its availability to absorb losses in other categories.

	Commercial and Industrial				Commercial Real Estate				Consumer Real Estate				Consumer and Other				Unallocated				Total
Three months ended:
September 30, 2015
Beginning balance	$	68,725			$	24,935			$	4,702			$	8,245			$	—			$	106,607
Provision for loan losses	4,193				746				324				1,547				—				6,810
Charge-offs	(4,074		)		(107		)		(423		)		(3,000		)		—				(7,604		)
Recoveries	1,959				309				201				2,091				—				4,560
Net charge-offs	(2,115		)		202				(222		)		(909		)		—				(3,044		)
Ending balance	$	70,803			$	25,883			$	4,804			$	8,883			$	—			$	110,373
September 30, 2014
Beginning balance	$	55,672			$	22,046			$	4,659			$	6,427			$	9,482			$	98,286
Provision for loan losses	2,224				4,650				1,057				1,941				(9,482		)		390
Charge-offs	(3,631		)		(393		)		(714		)		(2,523		)		—				(7,261		)
Recoveries	4,371				477				105				1,944				—				6,897
Net charge-offs	740				84				(609		)		(579		)		—				(364		)
Ending balance	$	58,636			$	26,780			$	5,107			$	7,789			$	—			$	98,312
Nine months ended:
September 30, 2015
Beginning balance	$	59,192			$	27,163			$	5,178			$	8,009			$	—			$	99,542
Provision for loan losses	16,258				(1,470		)		(205		)		3,262				—				17,845
Charge-offs	(8,580		)		(585		)		(524		)		(8,497		)		—				(18,186		)
Recoveries	3,933				775				355				6,109				—				11,172
Net charge-offs	(4,647		)		190				(169		)		(2,388		)		—				(7,014		)
Ending balance	$	70,803			$	25,883			$	4,804			$	8,883			$	—			$	110,373
September 30, 2014
Beginning balance	$	52,790			$	22,590			$	5,230			$	5,010			$	6,818			$	92,438
Provision for loan losses	7,936				5,809				490				4,497				(6,818		)		11,914
Charge-offs	(9,026		)		(3,119		)		(840		)		(7,279		)		—				(20,264		)
Recoveries	6,936				1,500				227				5,561				—				14,224
Net charge-offs	(2,090		)		(1,619		)		(613		)		(1,718		)		—				(6,040		)
Ending balance	$	58,636			$	26,780			$	5,107			$	7,789			$	—			$	98,312

Allowance for Loan Losses Disaggregated on the Basis of Impairment Methodology

The following table details the amount of the allowance for loan losses allocated to each portfolio segment as of September 30, 2015, December 31, 2014 and September 30, 2014, detailed on the basis of the impairment methodology we used:

	Commercial and Industrial				Commercial Real Estate				Consumer Real Estate				Consumer and Other				Unallocated				Total
September 30, 2015
Loans individually evaluated for impairment	$	1,463			$	71			$	—			$	—			$	—			$	1,534
Loans collectively evaluated for impairment	69,340				25,812				4,804				8,883				—				108,839
Balance at September 30, 2015	$	70,803			$	25,883			$	4,804			$	8,883			$	—			$	110,373
December 31, 2014
Loans individually evaluated for impairment	$	1,613			$	67			$	—			$	—			$	—			$	1,680
Loans collectively evaluated for impairment	57,579				27,096				5,178				8,009				—				97,862
Balance at December 31, 2014	$	59,192			$	27,163			$	5,178			$	8,009			$	—			$	99,542
September 30, 2014
Loans individually evaluated for impairment	$	1,413			$	776			$	—			$	—			$	—			$	2,189
Loans collectively evaluated for impairment	57,223				26,004				5,107				7,789				—				96,123
Balance at September 30, 2014	$	58,636			$	26,780			$	5,107			$	7,789			$	—			$	98,312

Investment in Loans Related to Allowance for Loan Losses by Portfolio Segment Disaggregated Based on Impairment Methodology

recorded investment in loans as of September 30, 2015, December 31, 2014 and September 30, 2014 related to each balance in the allowance for loan losses by portfolio segment and detailed on the basis of the impairment methodology we used was as follows:

	Commercial and Industrial				Commercial Real Estate				Consumer Real Estate				Consumer and Other				Unearned Discounts				Total
September 30, 2015
Loans individually evaluated for impairment	$	35,739			$	13,114			$	522			$	—			$	—			$	49,375
Loans collectively evaluated for impairment	5,841,160				4,208,733				871,148				412,972				(24,438		)		11,309,575
Ending balance	$	5,876,899			$	4,221,847			$	871,670			$	412,972			$	(24,438	)		$	11,358,950
December 31, 2014
Loans individually evaluated for impairment	$	32,496			$	20,499			$	596			$	—			$	—			$	53,591
Loans collectively evaluated for impairment	5,735,247				3,981,598				848,455				393,601				(24,957		)		10,933,944
Ending balance	$	5,767,743			$	4,002,097			$	849,051			$	393,601			$	(24,957	)		$	10,987,535
September 30, 2014
Loans individually evaluated for impairment	$	31,686			$	18,793			$	624			$	—			$	—			$	51,103
Loans collectively evaluated for impairment	5,479,201				4,001,685				846,444				391,480				(23,147		)		10,695,663
Ending balance	$	5,510,887			$	4,020,478			$	847,068			$	391,480			$	(23,147	)		$	10,746,766

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+ References

Reference 1: http://www.xbrl.org/2003/role/presentationRef



-Publisher FASB



-Name Accounting Standards Codification



-Topic 310



-SubTopic 10



-Section 50



-Paragraph 7



-URI http://asc.fasb.org/extlink&oid=49124121&loc=d3e5111-111524

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- Definition

Tabular disclosure of financing receivables and troubled debt restructurings.

+ References

Reference 1: http://www.xbrl.org/2003/role/presentationRef



-Publisher FASB



-Name Accounting Standards Codification



-Topic 310



-SubTopic 10



-Section 50



-Paragraph 33



-URI http://asc.fasb.org/extlink&oid=49124121&loc=SL6953676-111524



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-Topic 310



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-Section 50



-Paragraph 34



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