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Loans and Allowances for Credit Losses (Tables)
12 Months Ended
Dec. 31, 2020
Dec. 31, 2019
Loans and Leases Receivable, Net Amount [Abstract]    
Schedule of the Loans by Portfolio Segment [Table Text Block]
The portfolio segments of the loan portfolio are as follows (in thousands):
 December 31, 2020
Fixed
Rate
Variable
Rate
Non-accrualTotal
Commercial$1,805,286 $11,105,090 $167,159 $13,077,535 
Commercial real estate
1,021,443 3,649,849 27,246 4,698,538 
Paycheck protection program1,682,310   1,682,310 
Loans to individuals2,173,437 1,335,412 40,288 3,549,137 
Total$6,682,476 $16,090,351 $234,693 $23,007,520 
Foregone interest on nonaccrual loans
$22,870 
Portfolio segments of the loan portfolio are as follows (in thousands):

 December 31, 2019
Fixed
Rate
Variable
Rate
Non-accrualTotal
Commercial$3,231,485 $10,684,749 $115,416 $14,031,650 
Commercial real estate
1,056,321 3,349,836 27,626 4,433,783 
Residential mortgage1,652,653 393,897 37,622 2,084,172 
Personal193,903 1,007,192 287 1,201,382 
Total$6,134,362 $15,435,674 $180,951 $21,750,987 
Accruing loans past due (90 days)1
   $7,680 
Foregone interest on nonaccrual loans$17,409 
1.Excludes residential mortgage loans guaranteed by agencies of the U.S. government
Rollforward of Allowance For Loan Losses And Accrual for Off-Balnace Sheet Credit Losses [Table Text Block]
The activity in the allowance for loan losses and the allowance for off-balance sheet credit losses related to loan commitments and standby letters of credit is for the year ended December 31, 2020 summarized as follows (in thousands):
 CommercialCommercial Real EstatePaycheck
Protection
Program
Loans to
Individuals
Nonspecific AllowanceTotal
Allowance for loan losses:      
Beginning balance$118,187 $51,805 $ $23,572 $17,195 $210,759 
Transition adjustment33,681 (4,620) 13,943 (17,195)25,809 
Beginning balance, adjusted151,868 47,185  37,515  236,568 
Provision for loan losses171,800 40,407  10,253  222,460 
Loans charged off(73,370)(1,300) (4,729) (79,399)
Recoveries of loans previously charged off4,636 266  4,109  9,011 
Ending balance$254,934 $86,558 $ $47,148 $ $388,640 
Allowance for off-balance sheet credit risk from unfunded loan commitments:
      
Beginning balance$1,434 $107 $ $44 $ $1,585 
Transition adjustment10,144 11,660  1,748  23,552 
Beginning balance, adjusted11,578 11,767  1,792  25,137 
Provision for off-balance sheet credit risk
2,844 8,804  136  11,784 
Ending balance$14,422 $20,571 $ $1,928 $ $36,921 

Changes in our reasonable and supportable forecasts of macroeconomic variables, primarily due to the anticipated impact of the on-going COVID-19 pandemic, and other assumptions, resulted in a $99.1 million increase in the allowance for lending activities during the year ended December 31, 2020. Changes in the loan portfolio characteristics, including specific impairment and losses, loan balances and risk grading resulted in a $135.2 million increase in the allowance for lending activities.
The allowance for loan losses and recorded investment of the related loans by portfolio segment for each impairment measurement method at December 31, 2020 is as follows (in thousands):
 Collectively Measured
for General Allowances
Individually Measured
for Specific Allowances
Total
 Recorded InvestmentRelated AllowanceRecorded InvestmentRelated AllowanceRecorded InvestmentRelated
Allowance
Commercial$12,910,376 $235,882 $167,159 $19,052 $13,077,535 $254,934 
Commercial real estate4,671,292 83,169 27,246 3,389 4,698,538 86,558 
Paycheck protection program1,682,310    1,682,310  
Loans to individuals3,508,849 47,148 40,288  3,549,137 47,148 
Total$22,772,827 $366,199 $234,693 $22,441 $23,007,520 $388,640 
The activity in the allowance for loan losses and the allowance for off-balance sheet credit losses related to loan commitments and standby letters of credit is for the year ended December 31, 2019 summarized as follows (in thousands):

 CommercialCommercial Real EstateResidential MortgagePersonalNonspecific AllowanceTotal
Allowance for loan losses:      
Beginning balance$102,226 $60,026 $17,964 $9,473 $17,768 $207,457 
Provision for loan losses57,125 (12,046)(3,838)3,537 (573)44,205 
Loans charged off(43,185)(1,161)(288)(6,343)— (50,977)
Recoveries2,021 4,986 562 2,505 — 10,074 
Ending balance$118,187 $51,805 $14,400 $9,172 $17,195 $210,759 
Allowance for off-balance sheet credit losses:      
Beginning balance1,655 52 52 31 — 1,790 
Provision for off-balance sheet credit losses(221)55 (8)(31)— (205)
Ending balance$1,434 $107 $44 $— $— $1,585 
Total provision for credit losses$56,904 $(11,991)$(3,846)$3,506 $(573)$44,000 
The activity in the allowance for loan losses and the allowance for off-balance sheet credit losses related to loan commitments and standby letters of credit is for the year ended December 31, 2018 summarized as follows (in thousands):

 CommercialCommercial Real EstateResidential MortgagePersonalNonspecific AllowanceTotal
Allowance for loan losses:      
Beginning balance$124,269 $56,621 $18,451 $9,124 $22,217 $230,682 
Provision for loan losses12,521 (147)(1,156)3,175 (4,449)9,944 
Loans charged off(37,880)— (378)(5,325)— (43,583)
Recoveries3,316 3,552 1,047 2,499 — 10,414 
Ending balance$102,226 $60,026 $17,964 $9,473 $17,768 $207,457 
Allowance for off-balance sheet credit losses:      
Beginning balance3,644 45 43 — 3,734 
Provision for off-balance sheet credit losses(1,989)29 — (1,944)
Ending balance$1,655 $52 $52 $31 $— $1,790 
Total provision for credit losses$10,532 $(140)$(1,147)$3,204 $(4,449)$8,000 
Schedule of Credit Quality Indicators [Table Text Block]
Origination Year
20202019201820172016PriorRevolving LoansRevolving Loans Converted to Term LoansTotal
Commercial:
Energy
Pass$112,614 $51,863 $89,346 $7,178 $1,148 $7,956 $2,548,663 $ $2,818,768 
Special Mention      202,590  202,590 
Accruing Substandard
24,000 1,363 1,453  12,667  283,294  322,777 
Nonaccrual21,076 2,607    21,064 80,312  125,059 
Total energy
157,690 55,833 90,799 7,178 13,815 29,020 3,114,859  3,469,194 
Healthcare
Pass536,745 615,221 638,302 422,834 234,399 658,286 147,132  3,252,919 
Special Mention 27,500    8,282 5  35,787 
Accruing Substandard
  1,191 929 132 11,387   13,639 
Nonaccrual 18 183   2,935 509  3,645 
Total healthcare536,745 642,739 639,676 423,763 234,531 680,890 147,646  3,305,990 
Services
Pass534,853 436,384 372,867 307,374 373,785 683,936 665,491 682 3,375,372 
Special Mention150 9,057 389 291 2,038 2,000 3,063  16,988 
Accruing Substandard
429 6,380 26,008 6,027 5,030 7,954 38,797  90,625 
Nonaccrual4,833 448  12,590 1,049 6,138 540  25,598 
Total services540,265 452,269 399,264 326,282 381,902 700,028 707,891 682 3,508,583 
General business
Pass419,756 394,985 310,273 236,222 103,987 186,600 1,055,878 2,316 2,710,017 
Special Mention197 4,519 9,713 7,803 2,511 3,159 2,483 19 30,404 
Accruing Substandard
1,432 3,069 6,694 10,935 10,042 3,729 4,449 140 40,490 
Nonaccrual1,675 3,728 4,863 1,436 530 107 477 41 12,857 
Total general business
423,060 406,301 331,543 256,396 117,070 193,595 1,063,287 2,516 2,793,768 
Total commercial
1,657,760 1,557,142 1,461,282 1,013,619 747,318 1,603,533 5,033,683 3,198 13,077,535 
Commercial real estate:
Pass725,577 1,211,338 954,226 489,193 314,899 722,475 223,131 38 4,640,877 
Special Mention  259 12,311 2,725 5,831   21,126 
Accruing Substandard
   4,410  4,852 27  9,289 
Nonaccrual 8,300  232 7,468 11,246   27,246 
Total commercial real estate
725,577 1,219,638 954,485 506,146 325,092 744,404 223,158 38 4,698,538 
Origination Year
20202019201820172016PriorRevolving LoansRevolving Loans Converted to Term LoansTotal
Paycheck protection program:
Pass1,682,310        1,682,310 
Total paycheck protection program1,682,310        1,682,310 
Loans to individuals:
Residential mortgage
Pass564,325 149,832 120,875 124,930 158,801 348,292 335,259 24,553 1,826,867 
Special Mention33 11 2,094  59 318 950 10 3,475 
Accruing Substandard
  51   34 272 76 433 
Nonaccrual648 104 1,658 784 2,010 22,415 3,835 774 32,228 
Total residential mortgage
565,006 149,947 124,678 125,714 160,870 371,059 340,316 25,413 1,863,003 
Residential mortgage guaranteed by U.S. government agencies
Pass4,859 33,880 34,464 43,099 58,264 226,380   400,946 
Special Mention         
Accruing Substandard         
Nonaccrual  545  309 6,887   7,741 
Total residential mortgage guaranteed by U.S. government agencies
4,859 33,880 35,009 43,099 58,573 233,267   408,687 
Personal:
Pass219,873 200,580 76,246 100,229 64,104 102,126 510,571 1,510 1,275,239 
Special Mention39 55 66  469 31 965  1,625 
Accruing Substandard
11 214 10    29  264 
Nonaccrual28 17 57 73 50 49 45  319 
Total personal
219,951 200,866 76,379 100,302 64,623 102,206 511,610 1,510 1,277,447 
Total loans to individuals
789,816 384,693 236,066 269,115 284,066 706,532 851,926 26,923 3,549,137 
Total loans
$4,855,463 $3,161,473 $2,651,833 $1,788,880 $1,356,476 $3,054,469 $6,108,767 $30,159 $23,007,520 
The allowance for loan losses and recorded investment of the related loans by portfolio segment for each impairment measurement method at December 31, 2019 is as follows (in thousands):

 Collectively Measured
for Impairment
Individually Measured
for Impairment
Total
 Recorded InvestmentRelated AllowanceRecorded InvestmentRelated AllowanceRecorded InvestmentRelated
Allowance
Commercial$13,916,234 $100,773 $115,416 $17,414 $14,031,650 $118,187 
Commercial real estate4,406,157 51,805 27,626 — 4,433,783 51,805 
Residential mortgage2,046,550 14,400 37,622 — 2,084,172 14,400 
Personal1,201,095 9,172 287 — 1,201,382 9,172 
Total21,570,036 176,150 180,951 17,414 21,750,987 193,564 
Nonspecific allowance— — — — — 17,195 
Total$21,570,036 $176,150 $180,951 $17,414 $21,750,987 $210,759 

The allowance for loan losses and recorded investment of the related loans by portfolio segment for risk graded and non-risk graded loans at December 31, 2019 is as follows (in thousands):

 Internally Risk GradedNon-GradedTotal
 Recorded InvestmentRelated AllowanceRecorded InvestmentRelated AllowanceRecorded InvestmentRelated
Allowance
Commercial$13,997,538 $117,236 $34,112 $951 $14,031,650 $118,187 
Commercial real estate4,433,783 51,805 — — 4,433,783 51,805 
Residential mortgage279,113 3,085 1,805,059 11,315 2,084,172 14,400 
Personal1,116,297 7,003 85,085 2,169 1,201,382 9,172 
Total19,826,731 179,129 1,924,256 14,435 21,750,987 193,564 
Nonspecific allowance— — — — — 17,195 
Total$19,826,731 $179,129 $1,924,256 $14,435 $21,750,987 $210,759 
The following table summarizes the Company's loan portfolio at December 31, 2019 by the risk grade categories (in thousands):

 Internally Risk GradedNon-Graded 
Performing
 PassOther Loans Especially MentionedAccruing SubstandardNonaccrualPerformingNonaccrualTotal
Commercial:      
Energy$3,700,406 $117,298 $63,951 $91,722 $— $— $3,973,377 
Services3,050,946 29,943 33,791 7,483 — — 3,122,163 
Wholesale/retail1,749,023 5,281 5,399 1,163 — — 1,760,866 
Manufacturing623,219 18,214 13,883 10,133 — — 665,449 
Healthcare2,995,514 13,117 20,805 4,480 — — 3,033,916 
Public finance
709,868 — — — — — 709,868 
Other commercial and industrial
709,729 4,028 17,744 398 34,075 37 766,011 
Total commercial13,538,705 187,881 155,573 115,379 34,075 37 14,031,650 
Commercial real estate:      
Residential construction and land development
150,529 — — 350 — — 150,879 
Retail743,343 12,067 1,243 18,868 — — 775,521 
Office923,202 5,177 — — — — 928,379 
Multifamily1,257,005 1,604 95 6,858 — — 1,265,562 
Industrial852,539 1,658 1,011 909 — — 856,117 
Other commercial real estate
455,045 1,639 — 641 — — 457,325 
Total commercial real estate
4,381,663 22,145 2,349 27,626 — — 4,433,783 
Residential mortgage:      
Permanent mortgage276,138 78 2,404 493 758,260 19,948 1,057,321 
Permanent mortgage guaranteed by U.S. government agencies
— — — — 191,694 6,100 197,794 
Home equity— — — — 817,976 11,081 829,057 
Total residential mortgage
276,138 78 2,404 493 1,767,930 37,129 2,084,172 
Personal1,116,196 45 — 56 84,853 232 1,201,382 
Total$19,312,702 $210,149 $160,326 $143,554 $1,886,858 $37,398 $21,750,987 
Summary of Impaired Loans [Table Text Block]  
A summary of impaired loans at December 31, 2019 follows (in thousand):

As of December 31, 2019Year Ended
  Recorded InvestmentDecember 31, 2019
 Unpaid
Principal
Balance
TotalWith No
Allowance
With AllowanceRelated AllowanceAverage Recorded InvestmentInterest Income Recognized
Commercial:     
Energy$149,441 $91,722 $44,244 $47,478 $16,854 $69,119 $— 
Services10,923 7,483 6,301 1,182 240 5,854 — 
Wholesale/retail1,980 1,163 902 261 101 916 — 
Manufacturing10,848 10,133 9,914 219 219 9,144 — 
Healthcare13,774 4,480 4,480 — — 7,798 — 
Public finance— — — — — — — 
Other commercial and industrial8,227 435 435 — — 8,568 — 
Total commercial195,193 115,416 66,276 49,140 17,414 101,399 — 
Commercial real estate:     
Residential construction and land development1,306 350 350 — — 350 — 
Retail20,265 18,868 18,868 — — 19,573 — 
Office— — — — — — — 
Multifamily6,858 6,858 6,858 — — 3,580 — 
Industrial909 909 909 — — 454 — 
Other commercial real estate801 641 641 — — 666 — 
Total commercial real estate30,139 27,626 27,626 — — 24,623 — 
Residential mortgage:     
Permanent mortgage24,868 20,441 20,441 — — 22,196 1,198 
Permanent mortgage guaranteed by U.S. government agencies1
204,187 197,794 197,794 — — 195,009 7,733 
Home equity12,967 11,081 11,081 — — 10,776 — 
Total residential mortgage242,022 229,316 229,316 — — 227,981 8,931 
Personal360 287 287 — — 259 — 
Total$467,714 $372,645 $323,505 $49,140 $17,414 $354,262 $8,931 
1    All permanent mortgage loans guaranteed by U.S. government agencies are considered impaired as we do not expect full collection of contractual principal and interest. At December 31, 2019, the majority were accruing based on the guarantee by U.S. government agencies.
Summary of Loans by Aging Status [Table Text Block]
A summary of loans currently performing and past due as of December 31, 2020 is as follows (in thousands):
  Past Due 
 Current30 to 59
Days
60 to 89
Days
90 Days
or More
TotalPast Due 90 Days or More and Accruing
Commercial:    
Energy$3,410,995 $12,735 4,050 $41,414 $3,469,194 $ 
Healthcare3,302,345   3,645 3,305,990  
Services3,489,423 3,278 177 15,705 3,508,583 326 
General business2,776,038 1,206 6,277 10,247 2,793,768 4,495 
Total commercial12,978,801 17,219 10,504 71,011 13,077,535 4,821 
Commercial real estate4,672,279 276 5,310 20,673 4,698,538 5,126 
Paycheck protection program1,682,310    1,682,310  
Loans to individuals    
Permanent mortgage1,849,304 5,812 837 7,050 1,863,003 181 
Permanent mortgages guaranteed by U.S. government agencies
262,102 41,389 22,041 83,155 408,687 78,349 
Personal1,273,702 3,317 90 338 1,277,447 241 
Total loans to individuals3,385,108 50,518 22,968 90,543 3,549,137 78,771 
Total$22,718,498 $68,013 $38,782 $182,227 $23,007,520 $88,718 
A summary of loans currently performing, loans past due and accruing and nonaccrual loans as of December 31, 2019 is as follows (in thousands):
  Past Due  
 Current30 to 59
Days
60 to 89
Days
90 Days
or More
NonaccrualTotal
Commercial:     
Energy$3,881,244 $401 10 $— $91,722 $3,973,377 
Services3,105,621 1,737 523 6,799 7,483 3,122,163 
Wholesale/retail1,758,878 712 113 — 1,163 1,760,866 
Manufacturing654,329 410 190 387 10,133 665,449 
Healthcare3,027,329 2,039 — 68 4,480 3,033,916 
Public finance707,638 2,230 — — — 709,868 
Other commercial and industrial764,390 414 772 — 435 766,011 
Total commercial13,899,429 7,943 1,608 7,254 115,416 14,031,650 
Commercial real estate:     
Residential construction and land development
147,379 3,093 — 57 350 150,879 
Retail756,653 — — — 18,868 775,521 
Office928,379 — — — — 928,379 
Multifamily1,258,704 — — — 6,858 1,265,562 
Industrial855,208 — — — 909 856,117 
Other commercial real estate454,253 1,827 250 354 641 457,325 
Total commercial real estate4,400,576 4,920 250 411 27,626 4,433,783 
Residential mortgage:     
Permanent mortgage1,034,716 2,011 153 — 20,441 1,057,321 
Permanent mortgages guaranteed by U.S. government agencies
46,898 24,203 18,187 102,406 6,100 197,794 
Home equity814,325 3,343 308 — 11,081 829,057 
Total residential mortgage1,895,939 29,557 18,648 102,406 37,622 2,084,172 
Personal1,196,362 4,664 54 15 287 1,201,382 
Total$21,392,306 $47,084 20,560 $110,086 $180,951 $21,750,987 
Financing Receivable, Nonaccrual [Table Text Block]
A summary of nonaccruing loans as of December 31, 2020 follows (in thousands): 
 TotalWith No
Allowance
With AllowanceRelated Allowance
Commercial:    
Energy$125,059 $76,633 $48,426 $16,478 
Healthcare3,645 3,645   
Services25,598 20,810 4,788 2,574 
General business12,857 12,857   
Total commercial167,159 113,945 53,214 19,052 
Commercial real estate27,246 13,645 13,601 3,389 
Loans to individuals:    
Residential mortgage32,228 32,228   
Residential mortgage guaranteed by U.S. government agencies
7,741 7,741   
Personal319 319   
Total loans to individuals40,288 40,288   
Total$234,693 $167,878 $66,815 $22,441