XML 36 R27.htm IDEA: XBRL DOCUMENT
v3.22.2.2

Loans And Allowance For Credit Losses (Tables) | 9 Months Ended
--- | ---
Sep. 30, 2022
Receivables [Abstract] |
Summary Classification Of Held For Investment Loan Portfolio | Major classifications within the Company’s held for investment loan portfolio at September 30, 2022 and December 31, 2021 are as follows:
(In thousands) | September 30, 2022 |  | December 31, 2021
Commercial: |  |  |
Business | $ | 5,528,895 |  |  | $ | 5,303,535 |
Real estate – construction and land | 1,206,955 |  |  | 1,118,266 |
Real estate – business | 3,331,627 |  |  | 3,058,837 |
Personal Banking: |  |  |
Real estate – personal | 2,862,519 |  |  | 2,805,401 |
Consumer | 2,116,371 |  |  | 2,032,225 |
Revolving home equity | 286,026 |  |  | 275,945 |
Consumer credit card | 563,349 |  |  | 575,410 |
Overdrafts | 3,216 |  |  | 6,740 |
Total loans | $ | 15,898,958 |  |  | $ | 15,176,359 |
CECL Model Inputs | Key assumptions in the Company’s allowance for credit loss model include the economic forecast, the reasonable and supportable period, forecasted macro-economic variables, 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 September 30, 2022 and June 30, 2022 are discussed below.
Key Assumption | September 30, 2022 | June 30, 2022
Overall economic forecast | •High inflation, rising interest rates, supply chain difficulties and a weaker job market create an expectation of a mild recession in 2023 •Continued monetary policy tightening to rein in inflation | •Positive economic momentum faced with continued COVID challenges, supply constraints and high inflation •Continued monetary policy tightening to rein in inflation •Uncertainties related to supply chain issues and the timing and likelihood of a recession
Reasonable and supportable period and related reversion period | •One year for commercial and personal banking loans •Reversion to historical average loss rates within two quarters using straight-line method | •One year for commercial and personal banking loans •Reversion to historical average loss rates within two quarters using straight-line method
Forecasted macro-economic variables | •Unemployment rate ranging from 3.7% to 4.6% during the supportable forecast period •Real GDP growth ranging from (.3)% to .2% •Prime rate from 6.6% to 7.0% •BBB corporate yield from 5.03% to 5.7% | •Unemployment rate ranging from 3.5% to 3.7% during the supportable forecast period •Real GDP growth ranging from 1.5% to 2.7% •Prime rate from 4.9% to 6.2%
Prepayment assumptions | Commercial loans •5% for most loan pools Personal banking loans •Ranging from 16.5% to 28.1% for most loan pools •67.7% for consumer credit cards | Commercial loans •5% for most loan pools Personal banking loans •Ranging from 16.5% to 28.5% for most loan pools •67.0% for consumer credit cards
Qualitative factors | Added qualitative factors related to: •Certain portfolios sensitive to pandemic economic uncertainties •Changes in the composition of the loan portfolios •Uncertainty related to unusually high rate of inflation, geopolitical environment, and supply chain issues •Loans downgraded to special mention, substandard, or non-accrual status | Added qualitative factors related to: •Certain portfolios sensitive to pandemic economic uncertainties •Changes in the composition of the loan portfolios •Uncertainty related to unusually high rate of inflation, geopolitical environment, and supply chain issues •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 three and nine months ended September 30, 2022 and 2021, respectively, follows:
| For the Three Months Ended September 30, 2022 |  | For the Nine Months Ended September 30, 2022
(In thousands) | Commercial | Personal Banking | Total |  | Commercial | Personal Banking | Total
ALLOWANCE FOR CREDIT LOSSES ON LOANS |  |  |  |  |  |  |
Balance at beginning of period | $ | 99,525 |  | $ | 38,514 |  | $ | 138,039 |  |  | $ | 97,776 |  | $ | 52,268 |  | $ | 150,044 |
Provision for credit losses on loans | 4,014 |  | 6,136 |  | 10,150 |  |  | 5,851 |  | 900 |  | 6,751 |
Deductions: |  |  |  |  |  |  |
Loans charged off | 509 |  | 6,721 |  | 7,230 |  |  | 893 |  | 20,539 |  | 21,432 |
Less recoveries on loans | 56 |  | 2,362 |  | 2,418 |  |  | 352 |  | 7,662 |  | 8,014 |
Net loan charge-offs | 453 |  | 4,359 |  | 4,812 |  |  | 541 |  | 12,877 |  | 13,418 |
Balance September 30, 2022 | $ | 103,086 |  | $ | 40,291 |  | $ | 143,377 |  |  | $ | 103,086 |  | $ | 40,291 |  | $ | 143,377 |
LIABILITY FOR UNFUNDED LENDING COMMITMENTS |  |  |  |  |  |  |
Balance at beginning of period | $ | 23,617 |  | $ | 1,290 |  | $ | 24,907 |  |  | $ | 23,271 |  | $ | 933 |  | $ | 24,204 |
Provision for credit losses on unfunded lending commitments | 5,182 |  | (42) |  | 5,140 |  |  | 5,528 |  | 315 |  | 5,843 |
Balance September 30, 2022 | $ | 28,799 |  | $ | 1,248 |  | $ | 30,047 |  |  | $ | 28,799 |  | $ | 1,248 |  | $ | 30,047 |
ALLOWANCE FOR CREDIT LOSSES ON LOANS AND LIABILITY FOR UNFUNDED LENDING COMMITMENTS | $ | 131,885 |  | $ | 41,539 |  | $ | 173,424 |  |  | $ | 131,885 |  | $ | 41,539 |  | $ | 173,424 |
| For the Three Months Ended September 30, 2021 |  | For the Nine Months Ended September 30, 2021
(In thousands) | Commercial | Personal Banking | Total |  | Commercial | Personal Banking | Total
ALLOWANCE FOR CREDIT LOSSES ON LOANS |  |  |  |  |  |  |
Balance at beginning of period | $ | 98,038 |  | $ | 74,357 |  | $ | 172,395 |  |  | $ | 121,549 |  | $ | 99,285 |  | $ | 220,834 |
Provision for credit losses on loans | 186 |  | (6,147) |  | (5,961) |  |  | (28,302) |  | (15,447) |  | (43,749) |
Deductions: |  |  |  |  |  |  |
Loans charged off | 190 |  | 6,387 |  | 6,577 |  |  | 692 |  | 27,694 |  | 28,386 |
Less recoveries on loans | 130 |  | 2,788 |  | 2,918 |  |  | 5,609 |  | 8,467 |  | 14,076 |
Net loan charge-offs (recoveries) | 60 |  | 3,599 |  | 3,659 |  |  | (4,917) |  | 19,227 |  | 14,310 |
Balance September 30, 2021 | $ | 98,164 |  | $ | 64,611 |  | $ | 162,775 |  |  | $ | 98,164 |  | $ | 64,611 |  | $ | 162,775 |
LIABILITY FOR UNFUNDED LENDING COMMITMENTS |  |  |  |  |  |  |
Balance at beginning of period | $ | 23,350 |  | $ | 858 |  | $ | 24,208 |  |  | $ | 37,259 |  | $ | 1,048 |  | $ | 38,307 |
Provision for credit losses on unfunded lending commitments | (1,564) |  | 140 |  | (1,424) |  |  | (15,473) |  | (50) |  | (15,523) |
Balance September 30, 2021 | $ | 21,786 |  | $ | 998 |  | $ | 22,784 |  |  | $ | 21,786 |  | $ | 998 |  | $ | 22,784 |
ALLOWANCE FOR CREDIT LOSSES ON LOANS AND LIABILITY FOR UNFUNDED LENDING COMMITMENTS | $ | 119,950 |  | $ | 65,609 |  | $ | 185,559 |  |  | $ | 119,950 |  | $ | 65,609 |  | $ | 185,559 |
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 September 30, 2022 and December 31, 2021.
(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
September 30, 2022 |  |  |  |  |
Commercial: |  |  |  |  |
Business | $ | 5,513,234 |  | $ | 9,480 |  | $ | 536 |  | $ | 5,645 |  | $ | 5,528,895 |
Real estate – construction and land | 1,206,395 |  | 560 |  | — |  | — |  | 1,206,955 |
Real estate – business | 3,307,921 |  | 23,557 |  | — |  | 149 |  | 3,331,627 |
Personal Banking: |  |  |  |  |
Real estate – personal | 2,847,665 |  | 10,506 |  | 2,958 |  | 1,390 |  | 2,862,519 |
Consumer | 2,091,670 |  | 21,135 |  | 3,566 |  | — |  | 2,116,371 |
Revolving home equity | 284,595 |  | 541 |  | 890 |  | — |  | 286,026 |
Consumer credit card | 553,815 |  | 4,989 |  | 4,545 |  | — |  | 563,349 |
Overdrafts | 2,830 |  | 343 |  | 43 |  | — |  | 3,216 |
Total | $ | 15,808,125 |  | $ | 71,111 |  | $ | 12,538 |  | $ | 7,184 |  | $ | 15,898,958 |
December 31, 2021 |  |  |  |  |
Commercial: |  |  |  |  |
Business | $ | 5,292,125 |  | $ | 3,621 |  | $ | 477 |  | $ | 7,312 |  | $ | 5,303,535 |
Real estate – construction and land | 1,117,434 |  | 832 |  | — |  | — |  | 1,118,266 |
Real estate – business | 3,058,566 |  | 57 |  | — |  | 214 |  | 3,058,837 |
Personal Banking: |  |  |  |  |
Real estate – personal | 2,796,662 |  | 4,125 |  | 2,983 |  | 1,631 |  | 2,805,401 |
Consumer | 2,005,556 |  | 24,458 |  | 2,211 |  | — |  | 2,032,225 |
Revolving home equity | 274,372 |  | 772 |  | 801 |  | — |  | 275,945 |
Consumer credit card | 565,335 |  | 4,821 |  | 5,254 |  | — |  | 575,410 |
Overdrafts | 6,425 |  | 315 |  | — |  | — |  | 6,740 |
Total | $ | 15,116,475 |  | $ | 39,001 |  | $ | 11,726 |  | $ | 9,157 |  | $ | 15,176,359 |
Risk Category of Loans in Commercial Portfolio | The risk category of loans in the Commercial portfolio as of September 30, 2022 and December 31, 2021 are as follows:
| Term Loans Amortized Cost Basis by Origination Year |  |
(In thousands) | 2022 | 2021 | 2020 | 2019 | 2018 | Prior | Revolving Loans Amortized Cost Basis | Total
September 30, 2022 |  |  |  |  |  |  |  |
Business |  |  |  |  |  |  |  |
Risk Rating: |  |  |  |  |  |  |  |
Pass | $ | 1,167,741 |  | $ | 902,680 |  | $ | 519,179 |  | $ | 396,052 |  | $ | 188,319 |  | $ | 255,455 |  | $ | 2,041,998 |  | $ | 5,471,424 |
Special mention | 2,205 |  | 5,535 |  | 224 |  | 635 |  | 70 |  | 7,994 |  | 1,923 |  | 18,586 |
Substandard | 6,600 |  | 5,409 |  | 794 |  | 3,690 |  | 2,817 |  | 10,064 |  | 3,866 |  | 33,240 |
Non-accrual | 430 |  | 55 |  | 60 |  | 51 |  | 956 |  | 4,093 |  | — |  | 5,645 |
Total Business: | $ | 1,176,976 |  | $ | 913,679 |  | $ | 520,257 |  | $ | 400,428 |  | $ | 192,162 |  | $ | 277,606 |  | $ | 2,047,787 |  | $ | 5,528,895 |
Real estate-construction |  |  |  |  |  |  |  |
Risk Rating: |  |  |  |  |  |  |  |
Pass | $ | 399,880 |  | $ | 560,930 |  | $ | 140,643 |  | $ | 26,840 |  | $ | 1,362 |  | $ | 2,208 |  | $ | 17,474 |  | $ | 1,149,337 |
Special mention | — |  | — |  | — |  | — |  | — |  | — |  | — |  | — |
Substandard | — |  | 19,500 |  | 9,999 |  | — |  | 14,926 |  | 13,193 |  | — |  | 57,618 |
Total Real estate-construction: | $ | 399,880 |  | $ | 580,430 |  | $ | 150,642 |  | $ | 26,840 |  | $ | 16,288 |  | $ | 15,401 |  | $ | 17,474 |  | $ | 1,206,955 |
Real estate-business |  |  |  |  |  |  |  |
Risk Rating: |  |  |  |  |  |  |  |
Pass | $ | 876,470 |  | $ | 641,482 |  | $ | 576,752 |  | $ | 468,588 |  | $ | 167,190 |  | $ | 292,556 |  | $ | 90,112 |  | $ | 3,113,150 |
Special mention | 2,854 |  | 3,447 |  | 632 |  | 9,854 |  | 985 |  | 526 |  | — |  | 18,298 |
Substandard | — |  | 30,992 |  | 61,356 |  | 11,437 |  | 33,977 |  | 62,268 |  | — |  | 200,030 |
Non-accrual | — |  | — |  | — |  | — |  | 140 |  | 9 |  | — |  | 149 |
Total Real estate-business: | $ | 879,324 |  | $ | 675,921 |  | $ | 638,740 |  | $ | 489,879 |  | $ | 202,292 |  | $ | 355,359 |  | $ | 90,112 |  | $ | 3,331,627 |
Commercial loans |  |  |  |  |  |  |  |
Risk Rating: |  |  |  |  |  |  |  |
Pass | $ | 2,444,091 |  | $ | 2,105,092 |  | $ | 1,236,574 |  | $ | 891,480 |  | $ | 356,871 |  | $ | 550,219 |  | $ | 2,149,584 |  | $ | 9,733,911 |
Special mention | 5,059 |  | 8,982 |  | 856 |  | 10,489 |  | 1,055 |  | 8,520 |  | 1,923 |  | 36,884 |
Substandard | 6,600 |  | 55,901 |  | 72,149 |  | 15,127 |  | 51,720 |  | 85,525 |  | 3,866 |  | 290,888 |
Non-accrual | 430 |  | 55 |  | 60 |  | 51 |  | 1,096 |  | 4,102 |  | — |  | 5,794 |
Total Commercial loans: | $ | 2,456,180 |  | $ | 2,170,030 |  | $ | 1,309,639 |  | $ | 917,147 |  | $ | 410,742 |  | $ | 648,366 |  | $ | 2,155,373 |  | $ | 10,067,477 |
| Term Loans Amortized Cost Basis by Origination Year |  |
(In thousands) | 2021 | 2020 | 2019 | 2018 | 2017 | Prior | Revolving Loans Amortized Cost Basis | Total
December 31, 2021 |  |  |  |  |  |  |  |
Business |  |  |  |  |  |  |  |
Risk Rating: |  |  |  |  |  |  |  |
Pass | $ | 1,473,869 |  | $ | 704,157 |  | $ | 554,759 |  | $ | 248,739 |  | $ | 159,238 |  | $ | 270,454 |  | $ | 1,795,073 |  | $ | 5,206,289 |
Special mention | 1,785 |  | 126 |  | 17,576 |  | 12,050 |  | 1,490 |  | 3,232 |  | 16,545 |  | 52,804 |
Substandard | 836 |  | 1,191 |  | 8,855 |  | 4,936 |  | 1 |  | 10,775 |  | 10,536 |  | 37,130 |
Non-accrual | 430 |  | — |  | 1 |  | 1,549 |  | — |  | 5,332 |  | — |  | 7,312 |
Total Business: | $ | 1,476,920 |  | $ | 705,474 |  | $ | 581,191 |  | $ | 267,274 |  | $ | 160,729 |  | $ | 289,793 |  | $ | 1,822,154 |  | $ | 5,303,535 |
Real estate-construction |  |  |  |  |  |  |  |
Risk Rating: |  |  |  |  |  |  |  |
Pass | $ | 598,734 |  | $ | 346,507 |  | $ | 66,985 |  | $ | 2,110 |  | $ | 2,655 |  | $ | 2,252 |  | $ | 13,230 |  | $ | 1,032,473 |
Special mention | 44,649 |  | — |  | — |  | 985 |  | — |  | — |  | — |  | 45,634 |
Substandard | 485 |  | 11,620 |  | — |  | 14,896 |  | 13,158 |  | — |  | — |  | 40,159 |
Total Real estate-construction: | $ | 643,868 |  | $ | 358,127 |  | $ | 66,985 |  | $ | 17,991 |  | $ | 15,813 |  | $ | 2,252 |  | $ | 13,230 |  | $ | 1,118,266 |
Real estate- business |  |  |  |  |  |  |  |
Risk Rating: |  |  |  |  |  |  |  |
Pass | $ | 775,561 |  | $ | 712,173 |  | $ | 551,697 |  | $ | 230,138 |  | $ | 170,888 |  | $ | 254,489 |  | $ | 76,641 |  | $ | 2,771,587 |
Special mention | 4,011 |  | 30,322 |  | 10,500 |  | 37,576 |  | 2,068 |  | 2,103 |  | 1 |  | 86,581 |
Substandard | 17,079 |  | 62,939 |  | 12,930 |  | 2,326 |  | 58,934 |  | 45,265 |  | 982 |  | 200,455 |
Non-accrual | — |  | — |  | — |  | 189 |  | — |  | 25 |  | — |  | 214 |
Total Real-estate business: | $ | 796,651 |  | $ | 805,434 |  | $ | 575,127 |  | $ | 270,229 |  | $ | 231,890 |  | $ | 301,882 |  | $ | 77,624 |  | $ | 3,058,837 |
Commercial loans |  |  |  |  |  |  |  |
Risk Rating: |  |  |  |  |  |  |  |
Pass | $ | 2,848,164 |  | $ | 1,762,837 |  | $ | 1,173,441 |  | $ | 480,987 |  | $ | 332,781 |  | $ | 527,195 |  | $ | 1,884,944 |  | $ | 9,010,349 |
Special mention | 50,445 |  | 30,448 |  | 28,076 |  | 50,611 |  | 3,558 |  | 5,335 |  | 16,546 |  | 185,019 |
Substandard | 18,400 |  | 75,750 |  | 21,785 |  | 22,158 |  | 72,093 |  | 56,040 |  | 11,518 |  | 277,744 |
Non-accrual | 430 |  | — |  | 1 |  | 1,738 |  | — |  | 5,357 |  | — |  | 7,526 |
Total Commercial loans: | $ | 2,917,439 |  | $ | 1,869,035 |  | $ | 1,223,303 |  | $ | 555,494 |  | $ | 408,432 |  | $ | 593,927 |  | $ | 1,913,008 |  | $ | 9,480,638 |
Risk Category of Loans in Personal Banking Portfolio | The credit quality of Personal Banking loans is monitored primarily on the basis of aging/delinquency, and this information is provided as of September 30, 2022 and December 31, 2021 below:
| Term Loans Amortized Cost Basis by Origination Year |  |
(In thousands) | 2022 | 2021 | 2020 | 2019 | 2018 | Prior | Revolving Loans Amortized Cost Basis | Total
September 30, 2022 |  |  |  |  |  |  |  |
Real estate-personal |  |  |  |  |  |  |  |
Current to 90 days past due | $ | 422,198 |  | $ | 602,071 |  | $ | 795,233 |  | $ | 299,702 |  | $ | 138,681 |  | $ | 590,278 |  | $ | 10,008 |  | $ | 2,858,171 |
Over 90 days past due | 198 |  | 617 |  | 907 |  | 71 |  | 114 |  | 1,051 |  | — |  | 2,958 |
Non-accrual | — |  | — |  | — |  | 172 |  | 104 |  | 1,114 |  | — |  | 1,390 |
Total Real estate-personal: | $ | 422,396 |  | $ | 602,688 |  | $ | 796,140 |  | $ | 299,945 |  | $ | 138,899 |  | $ | 592,443 |  | $ | 10,008 |  | $ | 2,862,519 |
Consumer |  |  |  |  |  |  |  |
Current to 90 days past due | $ | 449,631 |  | $ | 409,063 |  | $ | 228,612 |  | $ | 122,966 |  | $ | 44,230 |  | $ | 71,452 |  | $ | 786,851 |  | $ | 2,112,805 |
Over 90 days past due | 50 |  | 344 |  | 784 |  | 183 |  | 325 |  | 274 |  | 1,606 |  | 3,566 |
Total Consumer: | $ | 449,681 |  | $ | 409,407 |  | $ | 229,396 |  | $ | 123,149 |  | $ | 44,555 |  | $ | 71,726 |  | $ | 788,457 |  | $ | 2,116,371 |
Revolving home equity |  |  |  |  |  |  |  |
Current to 90 days past due | $ | — |  | $ | — |  | $ | — |  | $ | — |  | $ | — |  | $ | — |  | $ | 285,136 |  | $ | 285,136 |
Over 90 days past due | — |  | — |  | — |  | — |  | — |  | — |  | 890 |  | 890 |
Total Revolving home equity: | $ | — |  | $ | — |  | $ | — |  | $ | — |  | $ | — |  | $ | — |  | $ | 286,026 |  | $ | 286,026 |
Consumer credit card |  |  |  |  |  |  |  |
Current to 90 days past due | $ | — |  | $ | — |  | $ | — |  | $ | — |  | $ | — |  | $ | — |  | $ | 558,804 |  | $ | 558,804 |
Over 90 days past due | — |  | — |  | — |  | — |  | — |  | — |  | 4,545 |  | 4,545 |
Total Consumer credit card: | $ | — |  | $ | — |  | $ | — |  | $ | — |  | $ | — |  | $ | — |  | $ | 563,349 |  | $ | 563,349 |
Overdrafts |  |  |  |  |  |  |  |
Current to 90 days past due | $ | 3,173 |  | $ | — |  | $ | — |  | $ | — |  | $ | — |  | $ | — |  | $ | — |  | $ | 3,173 |
Over 90 days past due | 43 |  | — |  | — |  | — |  | — |  | — |  | — |  | 43 |
Total Overdrafts: | $ | 3,216 |  | $ | — |  | $ | — |  | $ | — |  | $ | — |  | $ | — |  | $ | — |  | $ | 3,216 |
Personal banking loans |  |  |  |  |  |  |  |
Current to 90 days past due | $ | 875,002 |  | $ | 1,011,134 |  | $ | 1,023,845 |  | $ | 422,668 |  | $ | 182,911 |  | $ | 661,730 |  | $ | 1,640,799 |  | $ | 5,818,089 |
Over 90 days past due | 291 |  | 961 |  | 1,691 |  | 254 |  | 439 |  | 1,325 |  | 7,041 |  | 12,002 |
Non-accrual | — |  | — |  | — |  | 172 |  | 104 |  | 1,114 |  | — |  | 1,390 |
Total Personal banking loans: | $ | 875,293 |  | $ | 1,012,095 |  | $ | 1,025,536 |  | $ | 423,094 |  | $ | 183,454 |  | $ | 664,169 |  | $ | 1,647,840 |  | $ | 5,831,481 |
| Term Loans Amortized Cost Basis by Origination Year |  |
(In thousands) | 2021 | 2020 | 2019 | 2018 | 2017 | Prior | Revolving Loans Amortized Cost Basis | Total
December 31, 2021 |  |  |  |  |  |  |  |
Real estate-personal |  |  |  |  |  |  |  |
Current to 90 days past due | $ | 690,058 |  | $ | 888,631 |  | $ | 354,292 |  | $ | 157,485 |  | $ | 149,391 |  | $ | 551,460 |  | $ | 9,470 |  | $ | 2,800,787 |
Over 90 days past due | 133 |  | 1,150 |  | 298 |  | 124 |  | 97 |  | 1,181 |  | — |  | 2,983 |
Non-accrual | 115 |  | — |  | 251 |  | 109 |  | — |  | 1,156 |  | — |  | 1,631 |
Total Real estate-personal: | $ | 690,306 |  | $ | 889,781 |  | $ | 354,841 |  | $ | 157,718 |  | $ | 149,488 |  | $ | 553,797 |  | $ | 9,470 |  | $ | 2,805,401 |
Consumer |  |  |  |  |  |  |  |
Current to 90 days past due | $ | 571,455 |  | $ | 348,774 |  | $ | 192,076 |  | $ | 79,887 |  | $ | 47,401 |  | $ | 78,088 |  | $ | 712,333 |  | $ | 2,030,014 |
Over 90 days past due | 283 |  | 335 |  | 257 |  | 250 |  | 74 |  | 351 |  | 661 |  | 2,211 |
Total Consumer: | $ | 571,738 |  | $ | 349,109 |  | $ | 192,333 |  | $ | 80,137 |  | $ | 47,475 |  | $ | 78,439 |  | $ | 712,994 |  | $ | 2,032,225 |
Revolving home equity |  |  |  |  |  |  |  |
Current to 90 days past due | $ | — |  | $ | — |  | $ | — |  | $ | — |  | $ | — |  | $ | — |  | $ | 275,144 |  | $ | 275,144 |
Over 90 days past due | — |  | — |  | — |  | — |  | — |  | — |  | 801 |  | 801 |
Total Revolving home equity: | $ | — |  | $ | — |  | $ | — |  | $ | — |  | $ | — |  | $ | — |  | $ | 275,945 |  | $ | 275,945 |
Consumer credit card |  |  |  |  |  |  |  |
Current to 90 days past due | $ | — |  | $ | — |  | $ | — |  | $ | — |  | $ | — |  | $ | — |  | $ | 570,156 |  | $ | 570,156 |
Over 90 days past due | — |  | — |  | — |  | — |  | — |  | — |  | 5,254 |  | 5,254 |
Total Consumer credit card: | $ | — |  | $ | — |  | $ | — |  | $ | — |  | $ | — |  | $ | — |  | $ | 575,410 |  | $ | 575,410 |
Overdrafts |  |  |  |  |  |  |  |
Current to 90 days past due | $ | 6,740 |  | $ | — |  | $ | — |  | $ | — |  | $ | — |  | $ | — |  | $ | — |  | $ | 6,740 |
Total Overdrafts: | $ | 6,740 |  | $ | — |  | $ | — |  | $ | — |  | $ | — |  | $ | — |  | $ | — |  | $ | 6,740 |
Personal banking loans |  |  |  |  |  |  |  |
Current to 90 days past due | $ | 1,268,253 |  | $ | 1,237,405 |  | $ | 546,368 |  | $ | 237,372 |  | $ | 196,792 |  | $ | 629,548 |  | $ | 1,567,103 |  | $ | 5,682,841 |
Over 90 days past due | 416 |  | 1,485 |  | 555 |  | 374 |  | 171 |  | 1,532 |  | 6,716 |  | 11,249 |
Non-accrual | 115 |  | — |  | 251 |  | 109 |  | — |  | 1,156 |  | — |  | 1,631 |
Total Personal banking loans: | $ | 1,268,784 |  | $ | 1,238,890 |  | $ | 547,174 |  | $ | 237,855 |  | $ | 196,963 |  | $ | 632,236 |  | $ | 1,573,819 |  | $ | 5,695,721 |
Amortized Cost Basis of Collateral-Dependent Loans | The following table presents the amortized cost basis of collateral-dependent loans as of September 30, 2022 and December 31, 2021.
(In thousands) | Business Assets |  |  | Oil & Gas Assets | Total
September 30, 2022 |  |  |  |  |
Commercial: |  |  |  |  |
Business | $ | 1,156 |  |  |  | $ | 1,966 |  | $ | 3,122 |
Total | $ | 1,156 |  |  |  | $ | 1,966 |  | $ | 3,122 |
December 31, 2021 |  |  |  |  |
Commercial: |  |  |  |  |
Business | $ | 1,604 |  |  |  | $ | 2,459 |  | $ | 4,063 |
Total | $ | 1,604 |  |  |  | $ | 2,459 |  | $ | 4,063 |
Summary Of Loans In The Personal Banking Portfolio Percentage Of Balances by FICO Score | For the remainder of loans in the Personal Banking portfolio, the table below shows the percentage of balances outstanding at September 30, 2022 and December 31, 2021 by FICO score.
Personal Banking Loans
| % of Loan Category
| Real Estate - Personal | Consumer | Revolving Home Equity | Consumer Credit Card
September 30, 2022 |  |  |  |
FICO score: |  |  |  |
Under 600 | 1.3 | % | 1.8 | % | 1.5 | % | 3.6 | %
600 - 659 | 2.5 |  | 3.9 |  | 3.4 |  | 11.8 |
660 - 719 | 8.1 |  | 13.2 |  | 9.1 |  | 30.2 |
720 - 779 | 23.5 |  | 23.8 |  | 22.4 |  | 27.9 |
780 and over | 64.6 |  | 57.3 |  | 63.6 |  | 26.5 |
Total | 100.0 | % | 100.0 | % | 100.0 | % | 100.0 | %
December 31, 2021 |  |  |  |
FICO score: |  |  |  |
Under 600 | 1.0 | % | 1.9 | % | 0.9 | % | 3.4 | %
600 - 659 | 2.4 |  | 3.9 |  | 2.6 |  | 11.3 |
660 - 719 | 7.4 |  | 13.8 |  | 9.4 |  | 29.9 |
720 - 779 | 25.2 |  | 25.3 |  | 20.4 |  | 28.2 |
780 and over | 64.0 |  | 55.1 |  | 66.7 |  | 27.2 |
Total | 100.0 | % | 100.0 | % | 100.0 | % | 100.0 | %
Additional Information about Troubled Debt Restructurings |
(In thousands) | September 30, 2022 | December 31, 2021
Accruing restructured loans: |  |
| Commercial | $ | 140,564 |  | $ | 46,867 |
| Assistance programs | 5,218 |  | 6,146 |
| Other consumer | 4,289 |  | 4,787 |
Non-accrual loans | 5,510 |  | 7,087 |
Total troubled debt restructurings | $ | 155,581 |  | $ | 64,887 |
Outstanding Balance Of Loans Classified As Troubled Debt Restructurings | The table below shows the balance of troubled debt restructurings by loan classification at September 30, 2022, 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) | September 30, 2022 | Balance 90 days past due at any time during previous 12 months
Commercial: |  |
Business | $ | 10,958 |  | $ | — |
Real estate - construction and land | 10,054 |  | — |
Real estate - business | 124,046 |  | — |
Personal Banking: |  |
Real estate - personal | 2,894 |  | 653 |
Consumer | 18 |  | — |
Revolving home equity | 2,394 |  | 270 |
Consumer credit card | 5,217 |  | 364 |
Total troubled debt restructurings | $ | 155,581 |  | $ | 1,287 |

X
- Definition Additional Information about Troubled Debt Restructurings [Table Text Block] + References No definition available. + Details
Name: | cbsh_AdditionalInformationaboutTroubledDebtRestructuringsTableTextBlock
Namespace Prefix: | cbsh_
Data Type: | dtr-types:textBlockItemType
Balance Type: | na
Period Type: | duration

X
- Definition Amortized Cost Basis of Collateral-Dependent Loans + References No definition available. + Details
Name: | cbsh_AmortizedCostBasisOfCollateralDependentLoansTableTextBlock
Namespace Prefix: | cbsh_
Data Type: | dtr-types:textBlockItemType
Balance Type: | na
Period Type: | duration

X
- Definition CECL Model Inputs + References No definition available. + Details
Name: | cbsh_CECLModelInputsTableTextBlock
Namespace Prefix: | cbsh_
Data Type: | dtr-types:textBlockItemType
Balance Type: | na
Period Type: | duration

X
- Definition Risk Category of Loans in Personal Banking Portfolio + References No definition available. + Details
Name: | cbsh_RiskCategoryOfLoansInPersonalBankingPortfolioTableTextBlock
Namespace Prefix: | cbsh_
Data Type: | dtr-types:textBlockItemType
Balance Type: | na
Period Type: | duration

X
- Definition Schedule Of Credit Quality Of Personal Banking Loan [Table Text Block] + References No definition available. + Details
Name: | cbsh_ScheduleOfCreditQualityOfPersonalBankingLoanTableTextBlock
Namespace Prefix: | cbsh_
Data Type: | dtr-types:textBlockItemType
Balance Type: | na
Period Type: | duration

X
- Definition Schedule of held to maturity loans by classification. + References No definition available. + Details
Name: | cbsh_ScheduleOfHeldToMaturityLoansByClassificationTableTextBlock
Namespace Prefix: | cbsh_
Data Type: | dtr-types:textBlockItemType
Balance Type: | na
Period Type: | duration

X
- Definition Tabular disclosure of allowance for credit loss on financing receivable. + References Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef -Publisher FASB -Name Accounting Standards Codification -Topic 310 -SubTopic 10 -Section 50 -Paragraph 11B -URI https://asc.fasb.org/extlink&oid=123577603&loc=SL6953423-111524 Reference 2: http://www.xbrl.org/2009/role/commonPracticeRef -Publisher FASB -Name Accounting Standards Codification -Topic 326 -SubTopic 20 -Section 50 -Paragraph 13 -URI https://asc.fasb.org/extlink&oid=124255953&loc=SL82919249-210447 + Details
Name: | us-gaap_AllowanceForCreditLossesOnFinancingReceivablesTableTextBlock
Namespace Prefix: | us-gaap_
Data Type: | dtr-types:textBlockItemType
Balance Type: | na
Period Type: | duration

X
- Definition Tabular disclosure of financing receivables by credit quality indicator. The credit quality indicator is a statistic about the credit quality of financing receivables. Examples include, but not limited to, consumer credit risk scores, credit-rating-agency ratings, an entity's internal credit risk grades, loan-to-value ratios, collateral, collection experience and other internal metrics. + References Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef -Publisher FASB -Name Accounting Standards Codification -Topic 326 -SubTopic 20 -Section 50 -Paragraph 5 -URI https://asc.fasb.org/extlink&oid=124255953&loc=SL82919230-210447 Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef -Publisher FASB -Name Accounting Standards Codification -Topic 310 -SubTopic 10 -Section 50 -Paragraph 29 -URI https://asc.fasb.org/extlink&oid=123577603&loc=SL6953659-111524 + Details
Name: | us-gaap_FinancingReceivableCreditQualityIndicatorsTableTextBlock
Namespace Prefix: | us-gaap_
Data Type: | dtr-types:textBlockItemType
Balance Type: | na
Period Type: | duration

X
- Definition Tabular disclosure of aging analysis for financing receivable. + References Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef -Publisher FASB -Name Accounting Standards Codification -Topic 326 -SubTopic 20 -Section 50 -Paragraph 14 -URI https://asc.fasb.org/extlink&oid=124255953&loc=SL82919253-210447 Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef -Publisher FASB -Name Accounting Standards Codification -Topic 310 -SubTopic 10 -Section 50 -Paragraph 7A -URI https://asc.fasb.org/extlink&oid=123577603&loc=SL6953401-111524 Reference 3: http://www.xbrl.org/2003/role/exampleRef -Publisher FASB -Name Accounting Standards Codification -Topic 326 -SubTopic 20 -Section 55 -Paragraph 80 -URI https://asc.fasb.org/extlink&oid=124267575&loc=SL82922355-210448 Reference 4: http://fasb.org/us-gaap/role/ref/legacyRef -Publisher FASB -Name Accounting Standards Codification -Topic 310 -SubTopic 10 -Section 50 -Paragraph 7 -URI https://asc.fasb.org/extlink&oid=123577603&loc=d3e5111-111524 + Details
Name: | us-gaap_PastDueFinancingReceivablesTableTextBlock
Namespace Prefix: | us-gaap_
Data Type: | dtr-types:textBlockItemType
Balance Type: | na
Period Type: | duration

X
- References No definition available. + Details
Name: | us-gaap_ReceivablesAbstract
Namespace Prefix: | us-gaap_
Data Type: | xbrli:stringItemType
Balance Type: | na
Period Type: | duration

X
- Definition Tabular disclosure of financing receivable modified as troubled debt restructuring. + References Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef -Publisher FASB -Name Accounting Standards Codification -Topic 310 -SubTopic 10 -Section 50 -Paragraph 33 -URI https://asc.fasb.org/extlink&oid=123577603&loc=SL6953676-111524 Reference 2: http://www.xbrl.org/2009/role/commonPracticeRef -Publisher FASB -Name Accounting Standards Codification -Topic 310 -SubTopic 10 -Section 50 -Paragraph 34 -URI https://asc.fasb.org/extlink&oid=123577603&loc=SL6953682-111524 + Details
Name: | us-gaap_TroubledDebtRestructuringsOnFinancingReceivablesTableTextBlock
Namespace Prefix: | us-gaap_
Data Type: | dtr-types:textBlockItemType
Balance Type: | na
Period Type: | duration