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Loans and Allowance for Loan Losses (Tables) | 6 Months Ended
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Jun. 30, 2018
Receivables [Abstract] |
Loan Classification Categorized by Risk Rating Category | The following table outlines the amount of each loan classification categorized into each risk rating category as of June 30, 2018 and December 31, 2017 (in thousands):
| Commercial real estate - mortgage | Consumer real estate - mortgage | Construction and land development | Commercial and industrial | Consumer and other | Total
June 30, 2018 |  |  |  |  |  |
Pass | $ | 6,849,567 |  | $ | 2,655,282 |  | $ | 2,119,011 |  | $ | 4,689,555 |  | $ | 362,201 |  | $ | 16,675,616 |
Special Mention | 64,873 |  | 10,049 |  | 5,594 |  | 40,461 |  | 735 |  | 121,712 |
Substandard (1) | 79,915 |  | 13,175 |  | 7,013 |  | 74,465 |  | 70 |  | 174,638 |
Substandard-nonaccrual | 30,284 |  | 20,893 |  | 2,028 |  | 16,818 |  | 864 |  | 70,887 |
Doubtful-nonaccrual | — |  | — |  | — |  | — |  | — |  | — |
Total loans | $ | 7,024,639 |  | $ | 2,699,399 |  | $ | 2,133,646 |  | $ | 4,821,299 |  | $ | 363,870 |  | $ | 17,042,853 |
December 31, 2017 |  |  |  |  |  |
Pass | $ | 6,487,368 |  | $ | 2,503,688 |  | $ | 1,880,704 |  | $ | 4,014,656 |  | $ | 351,359 |  | $ | 15,237,775 |
Special Mention | 94,134 |  | 18,356 |  | 8,148 |  | 46,898 |  | 1,177 |  | 168,713 |
Substandard (1) | 72,044 |  | 21,053 |  | 13,468 |  | 62,529 |  | 79 |  | 169,173 |
Substandard-nonaccrual | 16,064 |  | 18,117 |  | 5,968 |  | 17,258 |  | 48 |  | 57,455 |
Doubtful-nonaccrual | — |  | — |  | — |  | — |  | — |  | — |
Total loans | $ | 6,669,610 |  | $ | 2,561,214 |  | $ | 1,908,288 |  | $ | 4,141,341 |  | $ | 352,663 |  | $ | 15,633,116 |
(1) | Potential problem loans represent those loans with a well-defined weakness and where information about possible credit problems of borrowers has caused management to have doubts about the borrower's ability to comply with present repayment terms. This definition is believed to be substantially consistent with the standards established by Pinnacle Bank's primary regulators for loans classified as substandard, excluding the impact of nonaccrual loans and troubled debt restructurings. Potential problem loans, which are not included in nonaccrual loans, amounted to approximately $170.8 million at June 30, 2018, compared to $164.0 million at December 31, 2017.
Purchase Credit Impaired Loans | Loans acquired with deteriorated credit quality are recorded pursuant to the provisions of ASC 310-30, and are referred to as purchase credit impaired loans. The following table provides a rollforward of purchase credit impaired loans from December 31, 2017 through June 30, 2018 (in thousands):
| Gross Carrying Value | Accretable Yield | Nonaccretable Yield | Net Carrying Value
December 31, 2017 | $ | 74,324 |  | $ | (132 | ) | $ | (31,537 | ) | $ | 42,655 |
Acquisition | — |  | — |  | — |  | — |
Year-to-date settlements | (10,356 | ) | 16 |  | 3,346 |  | (6,994 | )
June 30, 2018 | $ | 63,968 |  | $ | (116 | ) | $ | (28,191 | ) | $ | 35,661 |
Summary of Recorded Investment, Unpaid Principal Balance and Related Allowance and Average Recorded Investment of Impaired Loans | at June 30, 2018 and December 31, 2017 by loan classification (in thousands):
| At June 30, 2018 |  | At December 31, 2017
| Recorded investment | Unpaid principal balances | Related allowance |  | Recorded investment | Unpaid principal balances | Related allowance
Impaired loans with an allowance: |  |  |  |  |  |
Commercial real estate – mortgage | $ | 16,667 |  | $ | 16,698 |  | $ | 1,092 |  |  | $ | 1,850 |  | $ | 1,863 |  | $ | 95 |
Consumer real estate – mortgage | 12,577 |  | 12,624 |  | 433 |  |  | 8,028 |  | 8,079 |  | 410 |
Construction and land development | 1,737 |  | 1,738 |  | 33 |  |  | 2,522 |  | 2,528 |  | 66 |
Commercial and industrial | 6,032 |  | 6,086 |  | 588 |  |  | 12,521 |  | 12,644 |  | 1,627 |
Consumer and other | 863 |  | 886 |  | 182 |  |  | — |  | — |  | — |
Total | $ | 37,876 |  | $ | 38,032 |  | $ | 2,328 |  |  | $ | 24,921 |  | $ | 25,114 |  | $ | 2,198 |
Impaired loans without an allowance: |  |  |  |  |  |  |  |  |  |  |
Commercial real estate – mortgage | $ | 22,601 |  | $ | 22,684 |  | $ | — |  |  | $ | 16,364 |  | $ | 16,514 |  | $ | — |
Consumer real estate – mortgage | 5,016 |  | 5,036 |  | — |  |  | 4,144 |  | 4,174 |  | — |
Construction and land development | — |  | — |  | — |  |  | 2,645 |  | 2,650 |  | — |
Commercial and industrial | 15,339 |  | 15,324 |  | — |  |  | 10,905 |  | 10,902 |  | — |
Consumer and other | — |  | — |  | — |  |  | — |  | — |  | — |
Total | $ | 42,956 |  | $ | 43,044 |  | $ | — |  |  | $ | 34,058 |  | $ | 34,240 |  | $ | — |
Total impaired loans | $ | 80,832 |  | $ | 81,076 |  | $ | 2,328 |  |  | $ | 58,979 |  | $ | 59,354 |  | $ | 2,198 |
The following table details the average recorded investment and the amount of interest income recognized on a cash basis for the three and six months ended June 30, 2018 and 2017, respectively, of impaired loans by loan classification (in thousands):
| For the three months ended June 30, |  | For the six months ended June 30,
| 2018 |  | 2017 |  | 2018 |  | 2017
| Average recorded investment | Interest income recognized |  | Average recorded investment | Interest income recognized |  | Average recorded investment | Interest income recognized |  | Average recorded investment | Interest income recognized
Impaired loans with an allowance: |  |  |  |  |  |  |  |  |  |  |
Commercial real estate – mortgage | $ | 12,527 |  | $ | — |  |  | $ | 395 |  | $ | — |  |  | $ | 8,968 |  | $ | — |  |  | $ | 410 |  | $ | — |
Consumer real estate – mortgage | 11,066 |  | — |  |  | 4,437 |  | — |  |  | 10,053 |  | — |  |  | 4,058 |  | — |
Construction and land development | 1,059 |  | — |  |  | 77 |  | — |  |  | 1,547 |  | — |  |  | 79 |  | — |
Commercial and industrial | 7,976 |  | — |  |  | 11,778 |  | — |  |  | 9,491 |  | — |  |  | 9,203 |  | — |
Consumer and other | 822 |  | — |  |  | 677 |  | — |  |  | 548 |  | — |  |  | 628 |  | — |
Total | $ | 33,450 |  | $ | — |  |  | $ | 17,364 |  | $ | — |  |  | $ | 30,607 |  | $ | — |  |  | $ | 14,378 |  | $ | — |
Impaired loans without an allowance: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial real estate – mortgage | $ | 18,493 |  | $ | — |  |  | $ | 2,599 |  | $ | — |  |  | $ | 17,783 |  | $ | — |  |  | $ | 2,502 |  | $ | — |
Consumer real estate – mortgage | 4,805 |  | — |  |  | 5,722 |  | — |  |  | 4,585 |  | — |  |  | 5,695 |  | — |
Construction and land development | — |  | — |  |  | 1,031 |  | 16 |  |  | 882 |  | — |  |  | 1,730 |  | 65 |
Commercial and industrial | 18,401 |  | — |  |  | 6,199 |  | — |  |  | 15,902 |  | — |  |  | 8,892 |  | — |
Consumer and other | — |  | — |  |  | — |  | — |  |  | — |  | — |  |  | — |  | — |
Total | $ | 41,699 |  | $ | — |  |  | $ | 15,551 |  | $ | 16 |  |  | $ | 39,152 |  | $ | — |  |  | $ | 18,819 |  | $ | 65 |
Total impaired loans | $ | 75,149 |  | $ | — |  |  | $ | 32,915 |  | $ | 16 |  |  | $ | 69,759 |  | $ | — |  |  | $ | 33,197 |  | $ | 65 |
Amount of Troubled Debt Restructuring Categorized by Loan Classification | The following table outlines the amount of each loan category where troubled debt restructurings were made during the three and six months ended June 30, 2018 and 2017 (dollars in thousands):
| Three months ended June 30, |  | Six months ended June 30,
2018 | Number of contracts |  | Pre Modification Outstanding Recorded Investment |  | Post Modification Outstanding Recorded Investment, net of related allowance |  | Number of contracts |  | Pre Modification Outstanding Recorded Investment |  | Post Modification Outstanding Recorded Investment, net of related allowance
Commercial real estate – mortgage | — |  |  | $ | — |  |  | $ | — |  |  | — |  |  | $ | — |  |  | $ | — |
Consumer real estate – mortgage | 1 |  |  | 38 |  |  | 38 |  |  | 1 |  |  | 38 |  |  | 38 |
Construction and land development | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Commercial and industrial | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Consumer and other | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
| 1 |  |  | $ | 38 |  |  | $ | 38 |  |  | 1 |  |  | $ | 38 |  |  | $ | 38 |
2017 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial real estate – mortgage | — |  |  | $ | — |  |  | $ | — |  |  | — |  |  | $ | — |  |  | $ | — |
Consumer real estate – mortgage | 1 |  |  | 9 |  |  | 6 |  |  | 1 |  |  | 9 |  |  | 6 |
Construction and land development | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Commercial and industrial | — |  |  | — |  |  | — |  |  | 2 |  |  | 2,033 |  |  | 2,033 |
Consumer and other | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
| 1 |  |  | $ | 9 |  |  | $ | 6 |  |  | 3 |  |  | $ | 2,042 |  |  | $ | 2,039 |
Summary of Loan Portfolio Credit Risk Exposure | Pinnacle Financial utilizes broadly accepted industry classification systems in order to classify borrowers into various industry classifications. Pinnacle Financial has a credit exposure (loans outstanding plus unfunded lines of credit) exceeding 25% of Pinnacle Bank's total risk-based capital to borrowers in the following industries at June 30, 2018 with the comparative exposures for December 31, 2017 (in thousands):
| June 30, 2018 |  |
| Outstanding Principal Balances |  | Unfunded Commitments |  | Total exposure |  | Total Exposure at December 31, 2017
Lessors of nonresidential buildings | $ | 3,096,519 |  |  | $ | 668,891 |  |  | $ | 3,765,410 |  |  | $ | 3,483,597 |
Lessors of residential buildings | 981,328 |  |  | 283,888 |  |  | 1,265,216 |  |  | 1,151,676 |
Hotels (except Casino Hotels) and Motels | 723,347 |  |  | 167,577 |  |  | 890,924 |  |  | 836,320 |
New Housing For-Sale Builders | 374,653 |  |  | 593,400 |  |  | 968,053 |  |  | 780,137 |
Past Due Balances by Loan Classification | The table below presents past due balances by loan classification and segment at June 30, 2018 and December 31, 2017, allocated between accruing and nonaccrual status (in thousands):
| Accruing |  | Nonaccruing |
June 30, 2018 | 30-89 days past due and accruing | 90 days or more past due and accruing | Total past due and accruing | Current and accruing | Purchase credit impaired |  | Nonaccrual (1) | Nonaccruing purchase credit impaired | Total loans
Commercial real estate: |  |  |  |  |  |  |  |  |
Owner-occupied | $ | 2,132 |  | $ | — |  | $ | 2,132 |  | $ | 2,474,296 |  | $ | 3,424 |  |  | $ | 22,874 |  | $ | 2,164 |  | $ | 2,504,890 |
All other | 7,017 |  | — |  | 7,017 |  | 4,495,948 |  | 11,539 |  |  | 2,274 |  | 2,971 |  | 4,519,749 |
Consumer real estate – mortgage | 14,093 |  | — |  | 14,093 |  | 2,660,129 |  | 4,285 |  |  | 14,776 |  | 6,116 |  | 2,699,399 |
Construction and land development | 2,725 |  | — |  | 2,725 |  | 2,125,629 |  | 3,264 |  |  | 662 |  | 1,366 |  | 2,133,646 |
Commercial and industrial | 5,755 |  | 875 |  | 6,630 |  | 4,797,371 |  | 480 |  |  | 16,767 |  | 51 |  | 4,821,299 |
Consumer and other | 5,088 |  | 697 |  | 5,785 |  | 357,221 |  | — |  |  | 863 |  | 1 |  | 363,870 |
Total | $ | 36,810 |  | $ | 1,572 |  | $ | 38,382 |  | $ | 16,910,594 |  | $ | 22,992 |  |  | $ | 58,216 |  | $ | 12,669 |  | $ | 17,042,853 |
December 31, 2017 |  |  |  |  |  |  |  |  |
Commercial real estate: |  |  |  |  |  |  |  |  |
Owner-occupied | $ | 6,772 |  | $ | 104 |  | $ | 6,876 |  | $ | 2,435,819 |  | $ | 4,820 |  |  | $ | 11,395 |  | $ | 1,105 |  | $ | 2,460,015 |
All other | 16,559 |  | — |  | 16,559 |  | 4,177,454 |  | 12,018 |  |  | 704 |  | 2,860 |  | 4,209,595 |
Consumer real estate – mortgage | 14,835 |  | 1,265 |  | 16,100 |  | 2,521,748 |  | 5,249 |  |  | 9,320 |  | 8,797 |  | 2,561,214 |
Construction and land development | 4,136 |  | 146 |  | 4,282 |  | 1,894,560 |  | 3,478 |  |  | 2,878 |  | 3,090 |  | 1,908,288 |
Commercial and industrial | 7,406 |  | 1,348 |  | 8,754 |  | 4,114,127 |  | 1,154 |  |  | 17,222 |  | 84 |  | 4,141,341 |
Consumer and other | 6,311 |  | 1,276 |  | 7,587 |  | 345,076 |  | — |  |  | — |  | — |  | 352,663 |
Total | $ | 56,019 |  | $ | 4,139 |  | $ | 60,158 |  | $ | 15,488,784 |  | $ | 26,719 |  |  | $ | 41,519 |  | $ | 15,936 |  | $ | 15,633,116 |
(1) | Approximately $54.4 million and $45.8 million of nonaccrual loans as of June 30, 2018 and December 31, 2017, respectively, were performing pursuant to their contractual terms at those dates.
Details of Changes in the Allowance for Loan Losses | The following table details the changes in the allowance for loan losses for the three and six months ended June 30, 2018 and 2017, respectively, by loan classification (in thousands):
| Commercial real estate - mortgage | Consumer real estate - mortgage | Construction and land development | Commercial and industrial | Consumer and other | Unallocated | Total
Three months ended June 30, 2018: |  |  |  |  |  |  |
Balance at March 31, 2018 | $ | 22,688 |  | $ | 5,100 |  | $ | 10,116 |  | $ | 26,648 |  | $ | 5,476 |  | $ | 176 |  | $ | 70,204 |
Charged-off loans | (234 | ) | (935 | ) | (10 | ) | (1,724 | ) | (3,795 | ) | — |  | (6,698 | )
Recovery of previously charged-off loans | 58 |  | 537 |  | 1,010 |  | 567 |  | 590 |  | — |  | 2,762 |
Provision for loan losses | 2,336 |  | 1,151 |  | (132 | ) | 2,847 |  | 2,901 |  | 299 |  | 9,402 |
Balance at June 30, 2018 | $ | 24,848 |  | $ | 5,853 |  | $ | 10,984 |  | $ | 28,338 |  | $ | 5,172 |  | $ | 475 |  | $ | 75,670 |
| Commercial real estate - mortgage | Consumer real estate - mortgage | Construction and land development | Commercial and industrial | Consumer and other | Unallocated | Total
Three months ended June 30, 2017: |  |  |  |  |  |  |  |  |  |  |  |  |  |
Balance at March 31, 2017 | $ | 14,168 |  | $ | 7,219 |  | $ | 4,441 |  | $ | 22,912 |  | $ | 8,477 |  | $ | 1,133 |  | $ | 58,350 |
Charged-off loans | (8 | ) | (206 | ) | — |  | (495 | ) | (4,448 | ) | — |  | (5,157 | )
Recovery of previously charged-off loans | 9 |  | 412 |  | 96 |  | 560 |  | 862 |  | — |  | 1,939 |
Provision for loan losses | 1,833 |  | 410 |  | 589 |  | 1,258 |  | 2,658 |  | 64 |  | 6,812 |
Balance at June 30, 2017 | $ | 16,002 |  | $ | 7,835 |  | $ | 5,126 |  | $ | 24,235 |  | $ | 7,549 |  | $ | 1,197 |  | $ | 61,944 |
Six months ended June 30, 2018: |  |  |  |  |  |  |
Balance at December 31, 2017 | $ | 21,188 |  | $ | 5,031 |  | $ | 8,962 |  | $ | 24,863 |  | $ | 5,874 |  | $ | 1,322 |  | $ | 67,240 |
Charged-off loans | (962 | ) | (1,271 | ) | (12 | ) | (4,264 | ) | (8,858 | ) | — |  | (15,367 | )
Recovery of previously charged-off loans | 1,454 |  | 1,203 |  | 1,575 |  | 1,455 |  | 1,777 |  | — |  | 7,464 |
Provision for loan losses | 3,168 |  | 890 |  | 459 |  | 6,284 |  | 6,379 |  | (847 | ) | 16,333 |
Balance at June 30, 2018 | $ | 24,848 |  | $ | 5,853 |  | $ | 10,984 |  | $ | 28,338 |  | $ | 5,172 |  | $ | 475 |  | $ | 75,670 |
Six months ended June 30, 2017: |  |  |  |  |  |  |  |  |  |  |  |  |  |
Balance at December 31, 2016 | $ | 13,655 |  | $ | 6,564 |  | $ | 3,624 |  | $ | 24,743 |  | $ | 9,520 |  | $ | 874 |  | $ | 58,980 |
Charged-off loans | (9 | ) | (268 | ) | — |  | (1,653 | ) | (8,391 | ) | — |  | (10,321 | )
Recovery of previously charged-off loans | 15 |  | 582 |  | 129 |  | 702 |  | 1,394 |  | — |  | 2,822 |
Provision for loan losses | 2,341 |  | 957 |  | 1,373 |  | 443 |  | 5,026 |  | 323 |  | 10,463 |
Balance at June 30, 2017 | $ | 16,002 |  | $ | 7,835 |  | $ | 5,126 |  | $ | 24,235 |  | $ | 7,549 |  | $ | 1,197 |  | $ | 61,944 |
The following table details the changes in the allowance for loan losses for the three and six months ended June 30, 2018 and 2017, respectively, by loan classification (in thousands):
| Commercial real estate - mortgage | Consumer real estate - mortgage | Construction and land development | Commercial and industrial | Consumer and other | Unallocated | Total
Three months ended June 30, 2018: |  |  |  |  |  |  |
Balance at March 31, 2018 | $ | 22,688 |  | $ | 5,100 |  | $ | 10,116 |  | $ | 26,648 |  | $ | 5,476 |  | $ | 176 |  | $ | 70,204 |
Charged-off loans | (234 | ) | (935 | ) | (10 | ) | (1,724 | ) | (3,795 | ) | — |  | (6,698 | )
Recovery of previously charged-off loans | 58 |  | 537 |  | 1,010 |  | 567 |  | 590 |  | — |  | 2,762 |
Provision for loan losses | 2,336 |  | 1,151 |  | (132 | ) | 2,847 |  | 2,901 |  | 299 |  | 9,402 |
Balance at June 30, 2018 | $ | 24,848 |  | $ | 5,853 |  | $ | 10,984 |  | $ | 28,338 |  | $ | 5,172 |  | $ | 475 |  | $ | 75,670 |
| Commercial real estate - mortgage | Consumer real estate - mortgage | Construction and land development | Commercial and industrial | Consumer and other | Unallocated | Total
Three months ended June 30, 2017: |  |  |  |  |  |  |  |  |  |  |  |  |  |
Balance at March 31, 2017 | $ | 14,168 |  | $ | 7,219 |  | $ | 4,441 |  | $ | 22,912 |  | $ | 8,477 |  | $ | 1,133 |  | $ | 58,350 |
Charged-off loans | (8 | ) | (206 | ) | — |  | (495 | ) | (4,448 | ) | — |  | (5,157 | )
Recovery of previously charged-off loans | 9 |  | 412 |  | 96 |  | 560 |  | 862 |  | — |  | 1,939 |
Provision for loan losses | 1,833 |  | 410 |  | 589 |  | 1,258 |  | 2,658 |  | 64 |  | 6,812 |
Balance at June 30, 2017 | $ | 16,002 |  | $ | 7,835 |  | $ | 5,126 |  | $ | 24,235 |  | $ | 7,549 |  | $ | 1,197 |  | $ | 61,944 |
Six months ended June 30, 2018: |  |  |  |  |  |  |
Balance at December 31, 2017 | $ | 21,188 |  | $ | 5,031 |  | $ | 8,962 |  | $ | 24,863 |  | $ | 5,874 |  | $ | 1,322 |  | $ | 67,240 |
Charged-off loans | (962 | ) | (1,271 | ) | (12 | ) | (4,264 | ) | (8,858 | ) | — |  | (15,367 | )
Recovery of previously charged-off loans | 1,454 |  | 1,203 |  | 1,575 |  | 1,455 |  | 1,777 |  | — |  | 7,464 |
Provision for loan losses | 3,168 |  | 890 |  | 459 |  | 6,284 |  | 6,379 |  | (847 | ) | 16,333 |
Balance at June 30, 2018 | $ | 24,848 |  | $ | 5,853 |  | $ | 10,984 |  | $ | 28,338 |  | $ | 5,172 |  | $ | 475 |  | $ | 75,670 |
Six months ended June 30, 2017: |  |  |  |  |  |  |  |  |  |  |  |  |  |
Balance at December 31, 2016 | $ | 13,655 |  | $ | 6,564 |  | $ | 3,624 |  | $ | 24,743 |  | $ | 9,520 |  | $ | 874 |  | $ | 58,980 |
Charged-off loans | (9 | ) | (268 | ) | — |  | (1,653 | ) | (8,391 | ) | — |  | (10,321 | )
Recovery of previously charged-off loans | 15 |  | 582 |  | 129 |  | 702 |  | 1,394 |  | — |  | 2,822 |
Provision for loan losses | 2,341 |  | 957 |  | 1,373 |  | 443 |  | 5,026 |  | 323 |  | 10,463 |
Balance at June 30, 2017 | $ | 16,002 |  | $ | 7,835 |  | $ | 5,126 |  | $ | 24,235 |  | $ | 7,549 |  | $ | 1,197 |  | $ | 61,944 |
The following table details the allowance for loan losses and recorded investment in loans by loan classification and by impairment evaluation method as of June 30, 2018 and December 31, 2017, respectively (in thousands):
| Commercial real estate - mortgage | Consumer real estate - mortgage | Construction and land development | Commercial and industrial | Consumer and other | Unallocated | Total
June 30, 2018 |  |  |  |  |  |  |  |  |  |  |  |  |  |
Allowance for Loan Losses: |  |  |  |  |  |  |  |  |  |  |  |  |  |
Collectively evaluated for impairment | $ | 23,394 |  | $ | 5,323 |  | $ | 10,944 |  | $ | 27,748 |  | $ | 4,990 |  |  |  | $ | 72,399 |
Individually evaluated for impairment | 1,092 |  | 433 |  | 33 |  | 588 |  | 182 |  |  |  | 2,328 |
Loans acquired with deteriorated credit quality (1) | 362 |  | 97 |  | 7 |  | 2 |  | — |  |  |  | 468 |
Total allowance for loan losses | $ | 24,848 |  | $ | 5,853 |  | $ | 10,984 |  | $ | 28,338 |  | $ | 5,172 |  | $ | 475 |  | $ | 75,670 |
Loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |
Collectively evaluated for impairment | $ | 6,965,272 |  | $ | 2,671,404 |  | $ | 2,127,279 |  | $ | 4,799,396 |  | $ | 363,007 |  |  |  | $ | 16,926,358 |
Individually evaluated for impairment | 39,268 |  | 17,593 |  | 1,737 |  | 21,371 |  | 863 |  |  |  | 80,832 |
Loans acquired with deteriorated credit quality | 20,099 |  | 10,402 |  | 4,630 |  | 532 |  | — |  |  |  | 35,663 |
Total loans | $ | 7,024,639 |  | $ | 2,699,399 |  | $ | 2,133,646 |  | $ | 4,821,299 |  | $ | 363,870 |  |  |  | $ | 17,042,853 |
December 31, 2017 |  |  |  |  |  |  |  |  |  |  |  |  |  |
Allowance for Loan Losses: |  |  |  |  |  |  |  |  |  |  |  |  |  |
Collectively evaluated for impairment | $ | 20,753 |  | $ | 4,460 |  | $ | 8,879 |  | $ | 23,181 |  | $ | 5,874 |  |  |  | $ | 63,147 |
Individually evaluated for impairment | 95 |  | 410 |  | 66 |  | 1,627 |  | — |  |  |  | 2,198 |
Loans acquired with deteriorated credit quality(1) | 340 |  | 161 |  | 17 |  | 55 |  | — |  |  |  | 573 |
Total allowance for loan losses | $ | 21,188 |  | $ | 5,031 |  | $ | 8,962 |  | $ | 24,863 |  | $ | 5,874 |  | $ | 1,322 |  | $ | 67,240 |
Loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |
Collectively evaluated for impairment | $ | 6,630,593 |  | $ | 2,534,996 |  | $ | 1,896,553 |  | $ | 4,116,677 |  | $ | 352,663 |  |  |  | $ | 15,531,482 |
Individually evaluated for impairment | 18,214 |  | 12,172 |  | 5,167 |  | 23,426 |  | — |  |  |  | 58,979 |
Loans acquired with deteriorated credit quality | 20,803 |  | 14,046 |  | 6,568 |  | 1,238 |  | — |  |  |  | 42,655 |
Total loans | $ | 6,669,610 |  | $ | 2,561,214 |  | $ | 1,908,288 |  | $ | 4,141,341 |  | $ | 352,663 |  |  |  | $ | 15,633,116 |
(1) Loans acquired with deteriorated credit quality are recorded at fair value at the time of acquisition. An allowance for loan losses is recorded resulting from subsequent credit deterioration.

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