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Loans And Allowance For Credit Losses (Tables)
 12 Months Ended
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)20202019
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 
Additions102,182 
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 AssumptionDecember 31, 2020January 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)CommercialPersonal 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 loans63,115 52,934 116,049 
Deductions:
   Loans charged off7,862 42,185 50,047 
   Less recoveries on loans4,247 10,942 15,189 
Net loan charge-offs3,615 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 2016-1316,057 33 16,090 
Balance at December 31, 2019, adjusted$16,456 $709 $17,165 
Provision for credit losses on unfunded lending commitments20,803 339 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 losses254 42,440 42,694 
Deductions:
Loans charged off3,164 52,657 55,821 
Less recoveries2,075 11,452 13,527 
Net loans charged off1,089 41,205 42,294 
Balance at December 31, 201892,869 67,063 159,932 
Provision for loan losses2,816 47,622 50,438 
Deductions:
Loans charged off4,711 57,169 61,880 
Less recoveries786 11,406 12,192 
Net loans charged off 3,925 45,763 49,688 
Balance at December 31, 201991,760 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 Due30 – 89 Days Past Due90 Days Past Due and Still AccruingNon-accrualTotal
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)20202019201820172016PriorRevolving Loans Amortized Cost BasisTotal
Business
    Risk Rating:
       Pass$2,472,419 $966,068 $438,557 $329,207 $163,357 $281,604 $1,619,680 $6,270,892 
       Special mention28,612 26,746 14,102 1,781 5,091 1,664 41,749 119,745 
       Substandard17,246 21,985 5,076 2,675 3,578 13,390 68,976 132,926 
       Non-accrual12,619 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 mention29,692 — 1,022 34,532 — — — 65,246 
       Substandard1,154 — 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 mention8,936 21,734 49,580 6,597 17,504 1,309 3,002 108,662 
       Substandard46,882 1,037 4,061 81,435 17,538 45,014 2,592 198,559 
       Non-accrual478 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 mention67,240 48,480 64,704 42,910 22,595 2,973 44,751 293,653 
       Substandard65,282 23,022 24,126 97,292 21,116 58,404 71,568 360,810 
       Non-accrual13,097 189 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)BusinessReal Estate -ConstructionReal Estate - BusinessTotal
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)20202019201820172016PriorRevolving Loans Amortized Cost BasisTotal
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 due534 375 281 411 388 848 — 2,837 
       Non-accrual29 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 due212 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 due746 733 609 631 562 1,245 14,182 18,708 
       Non-accrual29 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 AssetsFuture Revenue StreamsOil & Gas AssetsTotal
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 - PersonalConsumerRevolving Home EquityConsumer 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)20202019
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, 2020Balance 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 LoansAll Other Loans

(In thousands)
Allowance for Loan LossesLoans OutstandingAllowance for Loan LossesLoans Outstanding
December 31, 2019
Commercial$1,629 $64,500 $90,131 $9,233,880 
Personal Banking1,117 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)
CommercialPersonal BankingTotal
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)20192018
Interest income recognized on impaired loans:
Business$1,329 $2,219 
Real estate – construction and land2 25 
Real estate – business1,456 558 
Real estate – personal136 139 
Consumer286 305 
Revolving home equity3 3 
Consumer credit card828 746 
Total$4,040 $3,995