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Loans And Allowance For Credit Losses (Tables) | 12 Months Ended
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Dec. 31, 2020
Loans And Allowance For Credit Losses [Abstract] |
Summary Classification Of Held To Maturity Loan Portfolio | Major classifications within the Company’s held for investment loan portfolio at December 31, 2020 and 2019 are as follows:
(In thousands) | 2020 | 2019
Commercial: |  |
Business | $ | 6,546,087 |  | $ | 5,565,449 |
Real estate — construction and land | 1,021,595 |  | 899,377 |
Real estate — business | 3,026,117 |  | 2,833,554 |
Personal Banking: |  |
Real estate — personal | 2,820,030 |  | 2,354,760 |
Consumer | 1,950,502 |  | 1,964,145 |
Revolving home equity | 307,083 |  | 349,251 |
Consumer credit card | 655,078 |  | 764,977 |
Overdrafts | 3,149 |  | 6,304 |
Total loans (1) | $ | 16,329,641 |  | $ | 14,737,817 |
(1) Accrued interest receivable totaled $41.9 million at December 31, 2020 and was included within other assets on the consolidated balance sheet. For the year ended December 31, 2020, the Company wrote-off accrued interest by reversing interest income of $329 thousand and $5.7 million in the Commercial and Personal Banking portfolios, respectively.
Loans To Directors And Executive Officers | Loans to directors and executive officers of the Parent and the Bank, and to their affiliates, are summarized as follows:
(In thousands) |
Balance at January 1, 2020 | $ | 56,595 |
Additions | 102,182 |
Amounts collected | (123,883) |
Amounts written off | — |
Balance, December 31, 2020 | $ | 34,894 |
CECL Model Inputs | Key model assumptions in the Company’s allowance for credit loss model include the economic forecast, the reasonable and supportable period, prepayment assumptions and qualitative factors applied for portfolio composition changes, underwriting practices, or significant unique events or conditions. The assumptions utilized in estimating the Company’s allowance for credit losses at December 31, 2020 and January 1, 2020 are discussed below.
Key Assumption | December 31, 2020 | January 1, 2020 (implementation)
Overall economic forecast | •The recovery from the Global Coronavirus Recession (GCR) continues to be gradual throughout 2021 and 2022 •Assumes no additional systemic lockdown measures •Considers government stimulus in the beginning of 2021 •Continued uncertainty regarding the health crisis | Stable economic environment with slight positive growth projections in overall economic indicators, short-term and long-term, reflecting low unemployment in a late-stage economic cycle.
Reasonable and supportable period and related reversion period | •Two years for both commercial and personal banking loans •Reversion to historical average loss rates within two quarters using a straight-line method | •One year for commercial loans •Two years for personal banking loans •Reversion to historical average loss rates within two quarters using a straight-line method
Forecasted macro-economic variables | •Unemployment rate ranging from 6.5% to 5.2% during the supportable forecast period •Real GDP growth ranges from 3.7% to 2.2% •Prime rate of 3.25% | •Unemployment rate ranging from 3.4% to 3.8% during the supportable forecast period •Real GDP growth ranges from 1.2% to 1.8% •Prime rate ranges of 4.6% to 4.8% •See "Qualitative factors" below for qualitative adjustments made to the forecasted macro-economic variables stated herein
Prepayment assumptions | Commercial loans •5% for most loan pools Personal banking loans •Ranging from 23.1% to 23.3% for most loan pools •58.0% for consumer credit cards | Commercial loans •5% for most loan pools Personal banking loans •Ranging from 14.9% to 25.6% for most loan pools •57.2% for consumer credit cards
Qualitative factors | Added net reserves using qualitative processes related to: •Loans originated in our expansion markets, loans that are designated as shared national credits, and certain portfolios considered to be COVID-19 impacted. •Changes in the composition of the loan portfolios •Loans downgraded to special mention, substandard, or non-accrual status | Added reserves using qualitative processes related to: •Loans originated in our expansion markets •Loans that are designated as shared national credits •Loans downgraded to special mention, substandard, or non-accrual status
Summary Of Activity In The Allowance For Credit Losses | A summary of the activity in the allowance for credit losses on loans and the liability for unfunded lending commitments during the year ended December 31, 2020 follows:
| For the Year Ended December 31
(In thousands) | Commercial | Personal Banking | Total
ALLOWANCE FOR CREDIT LOSSES ON LOANS |  |  |
Balance at December 31, 2019 | $ | 91,760 |  | $ | 68,922 |  | $ | 160,682 |
Adoption of ASU 2016-13 | (29,711) |  | 8,672 |  | (21,039) |
Balance at December 31, 2019, adjusted | $ | 62,049 |  | $ | 77,594 |  | $ | 139,643 |
Provision for credit losses on loans | 63,115 |  | 52,934 |  | 116,049 |
Deductions: |  |  |
Loans charged off | 7,862 |  | 42,185 |  | 50,047 |
Less recoveries on loans | 4,247 |  | 10,942 |  | 15,189 |
Net loan charge-offs | 3,615 |  | 31,243 |  | 34,858 |
Balance December 31, 2020 | $ | 121,549 |  | $ | 99,285 |  | $ | 220,834 |
LIABILITY FOR UNFUNDED LENDING COMMITMENTS |  |  |
Balance at December 31, 2019 | $ | 399 |  | $ | 676 |  | $ | 1,075 |
Adoption of ASU 2016-13 | 16,057 |  | 33 |  | 16,090 |
Balance at December 31, 2019, adjusted | $ | 16,456 |  | $ | 709 |  | $ | 17,165 |
Provision for credit losses on unfunded lending commitments | 20,803 |  | 339 |  | 21,142 |
Balance December 31, 2020 | $ | 37,259 |  | $ | 1,048 |  | $ | 38,307 |
ALLOWANCE FOR CREDIT LOSSES ON LOANS AND LIABILITY FOR UNFUNDED LENDING COMMITMENTS | $ | 158,808 |  | $ | 100,333 |  | $ | 259,141 |
Summary Of Activity in the Allowance for Loan Losses |
(In thousands) | Commercial | Personal Banking | Total
Balance at December 31, 2017 | $ | 93,704 |  | $ | 65,828 |  | $ | 159,532 |
Provision for loan losses | 254 |  | 42,440 |  | 42,694 |
Deductions: |  |  |
Loans charged off | 3,164 |  | 52,657 |  | 55,821 |
Less recoveries | 2,075 |  | 11,452 |  | 13,527 |
Net loans charged off | 1,089 |  | 41,205 |  | 42,294 |
Balance at December 31, 2018 | 92,869 |  | 67,063 |  | 159,932 |
Provision for loan losses | 2,816 |  | 47,622 |  | 50,438 |
Deductions: |  |  |
Loans charged off | 4,711 |  | 57,169 |  | 61,880 |
Less recoveries | 786 |  | 11,406 |  | 12,192 |
Net loans charged off | 3,925 |  | 45,763 |  | 49,688 |
Balance at December 31, 2019 | 91,760 |  | 68,922 |  | 160,682 |
Aging Information On Past Due And Nonaccrual Loans | The following table provides aging information on the Company’s past due and accruing loans, in addition to the balances of loans on non-accrual status, at December 31, 2020 and 2019.
(In thousands) | Current or Less Than 30 Days Past Due | 30 – 89 Days Past Due | 90 Days Past Due and Still Accruing | Non-accrual | Total
December 31, 2020 |  |  |  |  |
Commercial: |  |  |  |  |
Business | $ | 6,517,838 |  | $ | 2,252 |  | $ | 3,473 |  | $ | 22,524 |  | $ | 6,546,087 |
Real estate – construction and land | 1,021,592 |  | — |  | 3 |  | — |  | 1,021,595 |
Real estate – business | 3,016,215 |  | 7,666 |  | 6 |  | 2,230 |  | 3,026,117 |
Personal Banking: |  |  |  |  |
Real estate – personal | 2,808,886 |  | 6,521 |  | 2,837 |  | 1,786 |  | 2,820,030 |
Consumer | 1,921,822 |  | 25,417 |  | 3,263 |  | — |  | 1,950,502 |
Revolving home equity | 305,037 |  | 1,656 |  | 390 |  | — |  | 307,083 |
Consumer credit card | 635,770 |  | 7,090 |  | 12,218 |  | — |  | 655,078 |
Overdrafts | 2,896 |  | 253 | — |  | — |  | 3,149 |
Total | $ | 16,230,056 |  | $ | 50,855 |  | $ | 22,190 |  | $ | 26,540 |  | $ | 16,329,641 |
December 31, 2019 |  |  |  |  |
Commercial: |  |  |  |  |
Business | $ | 5,545,104 |  | $ | 12,064 |  | $ | 792 |  | $ | 7,489 |  | $ | 5,565,449 |
Real estate – construction and land | 882,826 |  | 13,046 |  | 3,503 |  | 2 |  | 899,377 |
Real estate – business | 2,830,494 |  | 2,030 |  | — |  | 1,030 |  | 2,833,554 |
Personal Banking: |  |  |  |  |
Real estate – personal | 2,345,243 |  | 6,129 |  | 1,689 |  | 1,699 |  | 2,354,760 |
Consumer | 1,928,082 |  | 34,053 |  | 2,010 |  | — |  | 1,964,145 |
Revolving home equity | 347,258 |  | 1,743 |  | 250 |  | — |  | 349,251 |
Consumer credit card | 742,659 |  | 10,703 |  | 11,615 |  | — |  | 764,977 |
Overdrafts | 5,972 |  | 332 | — |  | — |  | 6,304 |
Total | $ | 14,627,638 |  | $ | 80,100 |  | $ | 19,859 |  | $ | 10,220 |  | $ | 14,737,817 |
Risk Category of Loans in Commercial Portfolio | The risk category of loans in the Commercial portfolio as of December 31, 2020 are as follows:
| Term Loans Amortized Cost Basis by Origination Year |  |
(In thousands) | 2020 | 2019 | 2018 | 2017 | 2016 | Prior | Revolving Loans Amortized Cost Basis | Total
Business |  |  |  |  |  |  |  |
Risk Rating: |  |  |  |  |  |  |  |
Pass | $ | 2,472,419 |  | $ | 966,068 |  | $ | 438,557 |  | $ | 329,207 |  | $ | 163,357 |  | $ | 281,604 |  | $ | 1,619,680 |  | $ | 6,270,892 |
Special mention | 28,612 |  | 26,746 |  | 14,102 |  | 1,781 |  | 5,091 |  | 1,664 |  | 41,749 |  | 119,745 |
Substandard | 17,246 |  | 21,985 |  | 5,076 |  | 2,675 |  | 3,578 |  | 13,390 |  | 68,976 |  | 132,926 |
Non-accrual | 12,619 |  | 1 |  | 5,327 |  | 391 |  | 502 |  | 3,659 |  | 25 |  | 22,524 |
Total Business: | $ | 2,530,896 |  | $ | 1,014,800 |  | $ | 463,062 |  | $ | 334,054 |  | $ | 172,528 |  | $ | 300,317 |  | $ | 1,730,430 |  | $ | 6,546,087 |
Real estate-construction |  |  |  |  |  |  |  |
Risk Rating: |  |  |  |  |  |  |  |
Pass | $ | 483,302 |  | $ | 330,480 |  | $ | 56,747 |  | $ | 3,021 |  | $ | 24,426 |  | $ | 1,692 |  | $ | 27,356 |  | $ | 927,024 |
Special mention | 29,692 |  | — |  | 1,022 |  | 34,532 |  | — |  | — |  | — |  | 65,246 |
Substandard | 1,154 |  | — |  | 14,989 |  | 13,182 |  | — |  | — |  | — |  | 29,325 |
Total Real estate-construction: | $ | 514,148 |  | $ | 330,480 |  | $ | 72,758 |  | $ | 50,735 |  | $ | 24,426 |  | $ | 1,692 |  | $ | 27,356 |  | $ | 1,021,595 |
Real estate- business |  |  |  |  |  |  |  |
Risk Rating: |  |  |  |  |  |  |  |
Pass | $ | 890,740 |  | $ | 666,399 |  | $ | 336,850 |  | $ | 241,656 |  | $ | 313,691 |  | $ | 199,534 |  | $ | 67,796 |  | $ | 2,716,666 |
Special mention | 8,936 |  | 21,734 |  | 49,580 |  | 6,597 |  | 17,504 |  | 1,309 |  | 3,002 |  | 108,662 |
Substandard | 46,882 |  | 1,037 |  | 4,061 |  | 81,435 |  | 17,538 |  | 45,014 |  | 2,592 |  | 198,559 |
Non-accrual | 478 |  | 188 |  | 1,480 |  | — |  | — |  | 84 |  | — |  | 2,230 |
Total Real-estate business: | $ | 947,036 |  | $ | 689,358 |  | $ | 391,971 |  | $ | 329,688 |  | $ | 348,733 |  | $ | 245,941 |  | $ | 73,390 |  | $ | 3,026,117 |
Commercial loans |  |  |  |  |  |  |  |
Risk Rating: |  |  |  |  |  |  |  |
Pass | $ | 3,846,461 |  | $ | 1,962,947 |  | $ | 832,154 |  | $ | 573,884 |  | $ | 501,474 |  | $ | 482,830 |  | $ | 1,714,832 |  | $ | 9,914,582 |
Special mention | 67,240 |  | 48,480 |  | 64,704 |  | 42,910 |  | 22,595 |  | 2,973 |  | 44,751 |  | 293,653 |
Substandard | 65,282 |  | 23,022 |  | 24,126 |  | 97,292 |  | 21,116 |  | 58,404 |  | 71,568 |  | 360,810 |
Non-accrual | 13,097 |  | 189 |  | 6,807 |  | 391 |  | 502 |  | 3,743 |  | 25 |  | 24,754 |
Total Commercial loans: | $ | 3,992,080 |  | $ | 2,034,638 |  | $ | 927,791 |  | $ | 714,477 |  | $ | 545,687 |  | $ | 547,950 |  | $ | 1,831,176 |  | $ | 10,593,799 |
Credit Quality of the Commercial Loan Portfolio | Information about the credit quality of the Commercial loan portfolio as of December 31, 2019 follows:
| Commercial Loans
(In thousands) | Business | Real Estate -Construction | Real Estate - Business | Total
December 31, 2019 |  |  |  |
Pass | $ | 5,393,928 |  | $ | 856,364 |  | $ | 2,659,827 |  | $ | 8,910,119 |
Special mention | 80,089 |  | 42,541 |  | 92,626 |  | 215,256 |
Substandard | 83,943 |  | 470 |  | 80,071 |  | 164,484 |
Non-accrual | 7,489 |  | 2 |  | 1,030 |  | 8,521 |
Total | $ | 5,565,449 |  | $ | 899,377 |  | $ | 2,833,554 |  | $ | 9,298,380 |
Credit Quality of Personal Banking Loan Portfolio | The credit quality of Personal Banking loans is monitored primarily on the basis of aging/delinquency, and this information is provided as of December 31, 2020 below:
| Term Loans Amortized Cost Basis by Origination Year |  |
(In thousands) | 2020 | 2019 | 2018 | 2017 | 2016 | Prior | Revolving Loans Amortized Cost Basis | Total
Real estate-personal |  |  |  |  |  |  |  |
Current to 90 days past due | $ | 1,123,918 |  | $ | 488,379 |  | $ | 218,390 |  | $ | 201,971 |  | $ | 227,265 |  | $ | 544,008 |  | $ | 11,476 |  | $ | 2,815,407 |
Over 90 days past due | 534 |  | 375 |  | 281 |  | 411 |  | 388 |  | 848 |  | — |  | 2,837 |
Non-accrual | 29 |  | 191 |  | 116 |  | 45 |  | 65 |  | 1,340 |  | — |  | 1,786 |
Total Real estate-personal: | $ | 1,124,481 |  | $ | 488,945 |  | $ | 218,787 |  | $ | 202,427 |  | $ | 227,718 |  | $ | 546,196 |  | $ | 11,476 |  | $ | 2,820,030 |
Consumer |  |  |  |  |  |  |  |
Current to 90 days past due | $ | 536,799 |  | $ | 337,431 |  | $ | 161,337 |  | $ | 115,886 |  | $ | 75,769 |  | $ | 86,831 |  | $ | 633,186 |  | $ | 1,947,239 |
Over 90 days past due | 212 |  | 358 |  | 328 |  | 220 |  | 174 |  | 397 |  | 1,574 |  | 3,263 |
Total Consumer: | $ | 537,011 |  | $ | 337,789 |  | $ | 161,665 |  | $ | 116,106 |  | $ | 75,943 |  | $ | 87,228 |  | $ | 634,760 |  | $ | 1,950,502 |
Revolving home equity |  |  |  |  |  |  |  |
Current to 90 days past due | $ | — |  | $ | — |  | $ | — |  | $ | — |  | $ | — |  | $ | — |  | $ | 306,693 |  | $ | 306,693 |
Over 90 days past due | — |  | — |  | — |  | — |  | — |  | — |  | 390 |  | 390 |
Total Revolving home equity: | $ | — |  | $ | — |  | $ | — |  | $ | — |  | $ | — |  | $ | — |  | $ | 307,083 |  | $ | 307,083 |
Consumer credit card |  |  |  |  |  |  |  |
Current to 90 days past due | $ | — |  | $ | — |  | $ | — |  | $ | — |  | $ | — |  | $ | — |  | $ | 642,860 |  | $ | 642,860 |
Over 90 days past due | — |  | — |  | — |  | — |  | — |  | — |  | 12,218 |  | 12,218 |
Total Consumer credit card: | $ | — |  | $ | — |  | $ | — |  | $ | — |  | $ | — |  | $ | — |  | $ | 655,078 |  | $ | 655,078 |
Overdrafts |  |  |  |  |  |  |  |
Current to 90 days past due | $ | 3,149 |  | $ | — |  | $ | — |  | $ | — |  | $ | — |  | $ | — |  | $ | — |  | $ | 3,149 |
Total Overdrafts: | $ | 3,149 |  | $ | — |  | $ | — |  | $ | — |  | $ | — |  | $ | — |  | $ | — |  | $ | 3,149 |
Personal banking loans |  |  |  |  |  |  |  |
Current to 90 days past due | $ | 1,663,866 |  | $ | 825,810 |  | $ | 379,727 |  | $ | 317,857 |  | $ | 303,034 |  | $ | 630,839 |  | $ | 1,594,215 |  | $ | 5,715,348 |
Over 90 days past due | 746 |  | 733 |  | 609 |  | 631 |  | 562 |  | 1,245 |  | 14,182 |  | 18,708 |
Non-accrual | 29 |  | 191 |  | 116 |  | 45 |  | 65 |  | 1,340 |  | — |  | 1,786 |
Total Personal banking loans: | $ | 1,664,641 |  | $ | 826,734 |  | $ | 380,452 |  | $ | 318,533 |  | $ | 303,661 |  | $ | 633,424 |  | $ | 1,608,397 |  | $ | 5,735,842 |
Amortized Cost Basis of Collateral-Dependent Loans | The following table presents the amortized cost basis of collateral-dependent loans as of December 31, 2020.
(In thousands) | Business Assets | Future Revenue Streams |  | Oil & Gas Assets | Total
Commercial: |  |  |  |  |
Business | $ | 13,109 |  | $ | — |  |  | $ | 2,695 |  | $ | 15,804 |
Real estate - business | — |  | 986 |  |  | — |  | 986 |
Total | $ | 13,109 |  | $ | 986 |  |  | $ | 2,695 |  | $ | 16,790 |
Summary Of Loans In The Personal Banking Portfolio Percentage Of Balances Outstanding | For the remainder of loans in the Personal Banking portfolio, the table below shows the percentage of balances outstanding at December 31, 2020 and 2019 by FICO score.
| Personal Banking Loans
| % of Loan Category
| Real Estate - Personal | Consumer | Revolving Home Equity | Consumer Credit Card
December 31, 2020 |  |  |  |
FICO score: |  |  |  |
Under 600 | 0.8 | % | 2.3 | % | 1.3 | % | 5.0 | %
600 – 659 | 1.9 |  | 4.2 |  | 2.4 |  | 12.3 |
660 – 719 | 8.8 |  | 14.1 |  | 8.6 |  | 31.2 |
720 – 779 | 24.5 |  | 23.9 |  | 22.2 |  | 28.0 |
780 and over | 64.0 |  | 55.5 |  | 65.5 |  | 23.5 |
Total | 100.0 | % | 100.0 | % | 100.0 | % | 100.0 | %
December 31, 2019 |  |  |  |
FICO score: |  |  |  |
Under 600 | 1.0 | % | 3.0 | % | 1.7 | % | 5.6 | %
600 – 659 | 1.9 |  | 5.2 |  | 1.9 |  | 14.3 |
660 – 719 | 9.2 |  | 15.4 |  | 9.0 |  | 32.2 |
720 – 779 | 25.7 |  | 27.0 |  | 21.5 |  | 26.6 |
780 and over | 62.2 |  | 49.4 |  | 65.9 |  | 21.3 |
Total | 100.0 | % | 100.0 | % | 100.0 | % | 100.0 | %
Additional Information about Troubled Debt Restructurings [Table Text Block] |
|  | December 31
(In thousands) | 2020 | 2019
Accruing loans: |  |
| Commercial | $ | 117,740 |  | $ | 55,934 |
| Assistance programs | 7,804 |  | 8,365 |
| Consumer bankruptcy | 2,841 |  | 3,592 |
| Other consumer | 2,353 |  | 3,621 |
Non-accrual loans | 9,889 |  | 7,938 |
Total troubled debt restructurings | $ | 140,627 |  | $ | 79,450 |
Outstanding Balance Of Loans Classified As Troubled Debt Restructurings | The table below shows the balance of troubled debt restructurings by loan classification at December 31, 2020, in addition to the outstanding balances of these restructured loans which the Company considers to have been in default at any time during the past twelve months. For purposes of this disclosure, the Company considers "default" to mean 90 days or more past due as to interest or principal.
(In thousands) | December 31, 2020 | Balance 90 days past due at any time during previous 12 months
Commercial: |  |
Business | $ | 71,088 |  | $ | 664 |
Real estate – construction and land | 40 |  | — |
Real estate – business | 55,306 |  | — |
Personal Banking: |  |
Real estate – personal | 3,222 |  | 242 |
Consumer | 3,365 |  | 242 |
Revolving home equity | 28 |  | — |
Consumer credit card | 7,578 |  | 721 |
Total troubled debt restructurings | $ | 140,627 |  | $ | 1,869 |
Investment In Impaired Loans | The table below shows the Company’s balances of impaired loans at December 31, 2019. These loans consist of all loans on non-accrual status and other restructured loans whose terms have been modified and classified as troubled debt restructurings. These restructured loans are performing in accordance with their modified terms, and because the Company believes it probable that all amounts due under the modified terms of the agreements will be collected, interest on these loans is being recognized on an accrual basis. They are discussed further in the "Troubled debt restructurings" section above.
(In thousands) |  | Dec. 31, 2019
Non-accrual loans |  | $ | 10,220 |
Restructured loans (accruing) |  | 71,512 |
Total impaired loans |  | $ | 81,732 |
Allowance For Loan Losses And Related Loan Balance Disaggregated On The Basis Of Impairment Methodology | The following table shows the balance in the allowance for loan losses and the related loan balance at December 31, 2019 disaggregated on the basis of impairment methodology. Impaired loans evaluated under ASC 310-10-35 include loans on non-accrual status which are individually evaluated for impairment and other impaired loans deemed to have similar risk characteristics, which are collectively evaluated. All other loans are collectively evaluated for impairment under ASC 450-20.
| Impaired Loans |  | All Other Loans
(In thousands) | Allowance for Loan Losses | Loans Outstanding |  | Allowance for Loan Losses | Loans Outstanding
December 31, 2019 |  |  |  |  |
Commercial | $ | 1,629 |  | $ | 64,500 |  |  | $ | 90,131 |  | $ | 9,233,880 |
Personal Banking | 1,117 |  | 17,232 |  |  | 67,805 |  | 5,422,205 |
Total | $ | 2,746 |  | $ | 81,732 |  |  | $ | 157,936 |  | $ | 14,656,085 |
Additional Information About Impaired Loans Held | The following table provides additional information about impaired loans held by the Company at December 31, 2019, segregated between loans for which an allowance for loan losses has been provided and loans for which no allowance has been provided.
(In thousands) | Recorded Investment | Unpaid Principal Balance | Related Allowance
December 31, 2019 |  |  |
With no related allowance recorded: |  |  |
Business | $ | 7,054 |  | $ | 13,738 |  | $ | — |
| $ | 7,054 |  | $ | 13,738 |  | $ | — |
With an allowance recorded: |  |  |
Business | $ | 30,437 |  | $ | 30,487 |  | $ | 837 |
Real estate – construction and land | 46 |  | 51 |  | 1 |
Real estate – business | 26,963 |  | 27,643 |  | 791 |
Real estate – personal | 4,729 |  | 5,968 |  | 258
Consumer | 4,421 |  | 4,421 |  | 35 |
Revolving home equity | 35 |  | 35 |  | 1 |
Consumer credit card | 8,047 |  | 8,047 |  | 823 |
| $ | 74,678 |  | $ | 76,652 |  | $ | 2,746 |
Total | $ | 81,732 |  | $ | 90,390 |  | $ | 2,746 |
Total Average Impaired Loans | Total average impaired loans during 2019 are shown in the table below.
|  |  | 2019
(In thousands) |  |  |  |  | Commercial | Personal Banking | Total
Average impaired loans: |  |  |  |  |  |  |
Non-accrual loans |  |  |  |  | $ | 9,892 |  | $ | 2,031 |  | $ | 11,923 |
Restructured loans (accruing) |  |  |  |  | 49,544 |  | 15,667 |  | 65,211 |
Total |  |  |  |  | $ | 59,436 |  | $ | 17,698 |  | $ | 77,134 |
Interest Income Recognized On Impaired Loans | The table below shows interest income recognized during the years ended December 31, 2019 and 2018 for impaired loans held at the end of each respective period. This interest all relates to accruing restructured loans, as discussed in the "Troubled debt restructurings" section above.
|  | Years Ended December 31
(In thousands) |  | 2019 | 2018
Interest income recognized on impaired loans: |  |  |
Business |  | $ | 1,329 |  | $ | 2,219 |
Real estate – construction and land |  | 2 |  | 25 |
Real estate – business |  | 1,456 |  | 558 |
Real estate – personal |  | 136 |  | 139 |
Consumer |  | 286 |  | 305 |
Revolving home equity |  | 3 |  | 3 |
Consumer credit card |  | 828 |  | 746 |
Total |  | $ | 4,040 |  | $ | 3,995 |

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