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Loans and Allowance for Loan Losses | 12 Months Ended
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Dec. 31, 2018
Loans and Allowance for Loan Losses [Abstract] |
Loans and Allowance for Loan Losses | Note 4. Loans and Allowance for Loan Losses The Company generally makes loans in its market areas of south Mississippi, southern and central Alabama, south Louisiana, the Houston, Texas area, the northern, central and panhandle regions of Florida, and Nashville, Tennessee. Loans, net of unearned income, consisted of the follo wing at December 31, 2018 and 2017: ﻿ ﻿
﻿ |  |  |  |  |  |
﻿ |  |  |  |  |  |
﻿ |  |  |  |  |  |
﻿(in thousands) |  | 2018 |  | 2017
﻿Commercial non-real estate |  | $ | 8,620,601 |  | $ | 8,297,937
﻿Commercial real estate - owner occupied |  |  | 2,457,748 |  |  | 2,142,439
﻿Total commercial and industrial |  |  | 11,078,349 |  |  | 10,440,376
﻿Commercial real estate - income producing |  |  | 2,341,779 |  |  | 2,384,599
﻿Construction and land development |  |  | 1,548,335 |  |  | 1,373,421
﻿Residential mortgages |  |  | 2,910,081 |  |  | 2,690,472
﻿Consumer |  |  | 2,147,867 |  |  | 2,115,295
﻿Total loans |  | $ | 20,026,411 |  | $ | 19,004,163
﻿ The Bank makes loans in the normal course of business to directors and executive officers of the Company and the Bank and to their associates. L oans to such related parties are made on substantially the same terms, including interest rates and collateral requirements, as those prevailing at the time for comparable transactions with unrelated parties and do not involve more than normal risk of collectability when originated. Balances of loans to the Company’s directors, executive officers and their associates at December 31, 201 8 and 201 7 were approximately $37.5 million and $33.6 million, respectiv ely. Related party loan activity for 2018 includes new loans of $16.3 million and repayments of $12.3 million. ﻿ The Bank has a line of credit with the Federal Home Loan Bank of Dallas that is secured by blanket pledges of certain qualifying loan types. The Bank had borrowings on this line of $1.2 b illion and $1.1 b illion at December 31, 2018 and 2017, respectively. ﻿ The following schedules show activity in the allowance for loan losses for the years ended December 31, 201 8 and 201 7 by portfolio segment, and the corresponding recorded investment in loans as of December 31, 201 8 and 201 7. ﻿ ﻿
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﻿ |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
﻿ |  | Commercial Non-Real Estate |  | Commercial Real Estate- Owner Occupied |  | Total Commercial and Industrial |  | Commercial Real Estate- Income Producing |  | Construction and Land Development |  | Residential Mortgages |  | Consumer |  | Total
﻿(in thousands) |  | Year Ended December 31, 2018
﻿Allowance for loan losses: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
﻿Beginning balance |  | $ | 127,918 |  | $ | 12,962 |  | $ | 140,880 |  | $ | 13,709 |  | $ | 7,372 |  | $ | 24,844 |  | $ | 30,503 |  | $ | 217,308
﻿Charge-offs |  |  | (40,069) |  |  | (8,059) |  |  | (48,128) |  |  | (1,633) |  |  | (334) |  |  | (614) |  |  | (23,913) |  |  | (74,622)
﻿Recoveries |  |  | 14,385 |  |  | 317 |  |  | 14,702 |  |  | 221 |  |  | 96 |  |  | 2,179 |  |  | 5,162 |  |  | 22,360
﻿Net provision for loan losses |  |  | (4,482) |  |  | 8,537 |  |  | 4,055 |  |  | 5,341 |  |  | 8,513 |  |  | (2,627) |  |  | 20,834 |  |  | 36,116
﻿Other |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | (6,648) |  |  | (6,648)
﻿Ending balance |  | $ | 97,752 |  | $ | 13,757 |  | $ | 111,509 |  | $ | 17,638 |  | $ | 15,647 |  | $ | 23,782 |  | $ | 25,938 |  | $ | 194,514
﻿Ending balance: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
﻿Allowance: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
﻿Individually evaluated for impairment |  | $ | 3,636 |  | $ | 607 |  | $ | 4,243 |  | $ | 210 |  | $ | 1 |  | $ | 444 |  | $ | 216 |  | $ | 5,114
﻿Amounts related to purchased credit impaired loans |  |  | 239 |  |  | 215 |  |  | 454 |  |  | 43 |  |  | 83 |  |  | 9,766 |  |  | 388 |  |  | 10,734
﻿Collectively evaluated for impairment |  |  | 93,877 |  |  | 12,935 |  |  | 106,812 |  |  | 17,385 |  |  | 15,563 |  |  | 13,572 |  |  | 25,334 |  |  | 178,666
﻿Total allowance |  | $ | 97,752 |  | $ | 13,757 |  | $ | 111,509 |  | $ | 17,638 |  | $ | 15,647 |  | $ | 23,782 |  | $ | 25,938 |  | $ | 194,514
﻿Loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
﻿Individually evaluated for impairment |  | $ | 239,384 |  | $ | 21,666 |  | $ | 261,050 |  | $ | 2,701 |  | $ | 121 |  | $ | 3,876 |  | $ | 1,007 |  | $ | 268,755
﻿Purchased credit impaired loans |  |  | 6,629 |  |  | 6,212 |  |  | 12,841 |  |  | 3,757 |  |  | 3,387 |  |  | 105,430 |  |  | 4,181 |  |  | 129,596
﻿Collectively evaluated for impairment |  |  | 8,374,588 |  |  | 2,429,870 |  |  | 10,804,458 |  |  | 2,335,321 |  |  | 1,544,827 |  |  | 2,800,775 |  |  | 2,142,679 |  |  | 19,628,060
﻿Total loans |  | $ | 8,620,601 |  | $ | 2,457,748 |  | $ | 11,078,349 |  | $ | 2,341,779 |  | $ | 1,548,335 |  | $ | 2,910,081 |  | $ | 2,147,867 |  | $ | 20,026,411
﻿ ﻿
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﻿ |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
﻿ |  | Commercial Non-Real Estate |  | Commercial Real Estate- Owner Occupied |  | Total Commercial and Industrial |  | Commercial Real Estate- Income Producing |  | Construction and Land Development |  | Residential Mortgages |  | Consumer |  | Total
﻿(in thousands) |  | Year Ended December 31, 2017
﻿Allowance for loan losses: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
﻿Beginning balance |  | $ | 147,052 |  | $ | 11,083 |  | $ | 158,135 |  | $ | 13,509 |  | $ | 6,271 |  | $ | 25,361 |  | $ | 26,142 |  | $ | 229,418
﻿Charge-offs |  |  | (51,479) |  |  | (558) |  |  | (52,037) |  |  | (259) |  |  | (696) |  |  | (2,839) |  |  | (31,430) |  |  | (87,261)
﻿Recoveries |  |  | 7,526 |  |  | 848 |  |  | 8,374 |  |  | 988 |  |  | 1,603 |  |  | 1,064 |  |  | 6,680 |  |  | 18,709
﻿Net provision for loan losses |  |  | 24,866 |  |  | 1,589 |  |  | 26,455 |  |  | (529) |  |  | 194 |  |  | 3,602 |  |  | 29,246 |  |  | 58,968
﻿Increase (decrease) in FDIC loss share receivable |  |  | (47) |  |  | — |  |  | (47) |  |  | — |  |  | — |  |  | (2,344) |  |  | (135) |  |  | (2,526)
﻿Ending balance |  | $ | 127,918 |  | $ | 12,962 |  | $ | 140,880 |  | $ | 13,709 |  | $ | 7,372 |  | $ | 24,844 |  | $ | 30,503 |  | $ | 217,308
﻿Ending balance: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
﻿Allowance: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
﻿Individually evaluated for impairment |  | $ | 16,129 |  | $ | 793 |  | $ | 16,922 |  | $ | 1,326 |  | $ | 11 |  | $ | 189 |  | $ | 118 |  | $ | 18,566
﻿Amounts related to purchased credit impaired loans |  |  | 525 |  |  | 465 |  |  | 990 |  |  | 41 |  |  | 172 |  |  | 12,258 |  |  | 646 |  |  | 14,107
﻿Collectively evaluated for impairment |  |  | 111,264 |  |  | 11,704 |  |  | 122,968 |  |  | 12,342 |  |  | 7,189 |  |  | 12,397 |  |  | 29,739 |  |  | 184,635
﻿Total allowance |  | $ | 127,918 |  | $ | 12,962 |  | $ | 140,880 |  | $ | 13,709 |  | $ | 7,372 |  | $ | 24,844 |  | $ | 30,503 |  | $ | 217,308
﻿Loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
﻿Individually evaluated for impairment |  | $ | 267,881 |  | $ | 21,491 |  | $ | 289,372 |  | $ | 15,530 |  | $ | 363 |  | $ | 10,640 |  | $ | 1,292 |  | $ | 317,197
﻿Purchased credit impaired loans |  |  | 5,941 |  |  | 7,294 |  |  | 13,235 |  |  | 2,742 |  |  | 5,829 |  |  | 119,553 |  |  | 6,178 |  |  | 147,537
﻿Collectively evaluated for impairment |  |  | 8,024,115 |  |  | 2,113,654 |  |  | 10,137,769 |  |  | 2,366,327 |  |  | 1,367,229 |  |  | 2,560,279 |  |  | 2,107,825 |  |  | 18,539,429
﻿Total loans |  | $ | 8,297,937 |  | $ | 2,142,439 |  | $ | 10,440,376 |  | $ | 2,384,599 |  | $ | 1,373,421 |  | $ | 2,690,472 |  | $ | 2,115,295 |  | $ | 19,004,163
﻿ Impaired Loans ﻿ The following table shows the composition of nonaccrual loans by portfolio class. Purchased credit impaired loans accounted for in pools with an accretable yield are considered to be performing and are excluded from the table. ﻿ ﻿
﻿ |  |  |  |  |  |
﻿ |  |  |  |  |  |
﻿ |  | December 31,
﻿(in thousands) |  | 2018 |  | 2017
﻿Commercial non-real estate |  | $ | 110,653 |  | $ | 152,863
﻿Commercial real estate - owner occupied |  |  | 16,895 |  |  | 25,989
﻿Total commercial and industrial |  |  | 127,548 |  |  | 178,852
﻿Commercial real estate - income producing |  |  | 4,991 |  |  | 14,574
﻿Construction and land development |  |  | 2,146 |  |  | 3,807
﻿Residential mortgages |  |  | 35,866 |  |  | 40,480
﻿Consumer |  |  | 16,744 |  |  | 15,087
﻿Total loans |  | $ | 187,295 |  | $ | 252,800
﻿ Nonacc rual loans include loans modified in troubled debt restructurings (TDRs) of $85.5 million and $99.2 million, respectively, at December 31, 2018 and 2017. Total TDRs, both accruing and nonaccruing, were $224.6 million at December 31, 201 8 and $219.7 million at December 31, 201 7. ﻿ The table below details the T DRs that were modified during the years ended December 31, 201 8, 201 7 and 2016 by portfolio segment. All such loans are individually evaluated for impairment. ﻿ ﻿ ﻿ ﻿ ﻿
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﻿ |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
﻿ |  | Years Ended December 31,
﻿($ in thousands) |  | 2018 |  | 2017 |  | 2016
﻿ |  |  |  | Outstanding Recorded Investment |  |  |  | Outstanding Recorded Investment |  |  |  | Outstanding Recorded Investment
﻿Troubled Debt Restructurings: |  | Number of Contracts |  | Pre- Modification |  | Post- Modification |  | Number of Contracts |  | Pre- Modification |  | Post- Modification |  | Number of Contracts |  | Pre- Modification |  | Post- Modification
﻿Commercial non-real estate |  | 29 |  | $ | 85,306 |  | $ | 85,306 |  | 52 |  | $ | 162,909 |  | $ | 162,909 |  | 38 |  | $ | 128,449 |  | $ | 128,449
﻿Commercial real estate - owner occupied |  | 2 |  |  | 6,138 |  |  | 6,138 |  | 5 |  |  | 5,684 |  |  | 5,684 |  | 1 |  |  | 148 |  |  | 148
﻿Total commercial and industrial |  | 31 |  |  | 91,444 |  |  | 91,444 |  | 57 |  |  | 168,593 |  |  | 168,593 |  | 39 |  |  | 128,597 |  |  | 128,597
﻿Commercial real estate - income producing |  | 1 |  |  | 1,564 |  |  | 1,564 |  | 5 |  |  | 5,625 |  |  | 5,625 |  | 1 |  |  | 2,943 |  |  | 2,943
﻿Construction and land development |  | — |  |  | — |  |  | — |  | — |  |  | — |  |  | — |  | — |  |  | — |  |  | —
﻿Residential mortgages |  | 14 |  |  | 1,297 |  |  | 1,297 |  | 15 |  |  | 2,812 |  |  | 2,812 |  | 7 |  |  | 694 |  |  | 694
﻿Consumer |  | 10 |  |  | 455 |  |  | 455 |  | 1 |  |  | 40 |  |  | 40 |  | — |  |  | — |  |  | —
﻿Total loans |  | 56 |  | $ | 94,760 |  | $ | 94,760 |  | 78 |  | $ | 177,070 |  | $ | 177,070 |  | 47 |  | $ | 132,234 |  | $ | 132,234
﻿ The TDRs modified during the year ended December 31, 201 8 reflected in the table above include $50.8 million of loans with extended amortization terms or other payment concessions, $14.6 million of loans with significant covenant waivers and $29.4 million with other modifications. The TDRs modified during the year ended December 31, 2017 include $98.1 million of loans with extended terms or other payment concessions of $76.2 mllion of loans with significant convenant waivers, and $2.8 million with other modifications. The TDRs modified during the year ended December 31, 201 6 include $108.9 million of loans with extended terms or other payment concessions of $22.8 million of loans with significant covenant waivers, and $0.5 million of other modifications. At December 31, 2018 and 2017, the Company had unfunded commitments of approximately $2.1 million and $7.3 million, respectively, to borrowers whose loan terms had been modified in TDRs. ﻿ One residential mortgage totaling $0.2 million, one owner-occupied commercial real estate loan totaling $1.8 million and one consumer loan totaling less than $ 0.1 million defaulted within 12 months of the modification for December 31, 2018. No TDRs modified during the year end December 31, 2017 subsequently defaulted within twelve months of modification. Four commercial non-real estate loans modified in TDRs during the year ended December 31, 2016 defaulted within twelve months of modification. The loans were part of a single relationship and had an aggregate carrying balance of $20.8 million at the time of default. ﻿ Th e tables below present loans that are individually evaluated for impairment disaggregat ed by class at December 31, 2018 and 2017. Loans individually evaluated for impairment include TDRs and loans that are determined to be impaired and have aggregate relationship balances of $1 million or more. ﻿ ﻿
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﻿ |  |  |  |  |  |  |  |  |  |  |  |
﻿ |  | December 31, 2018
﻿(in thousands) |  | Recorded Investment Without an Allowance |  | Recorded Investment With an Allowance |  | Unpaid Principal Balance |  | Related Allowance
﻿Commercial non-real estate |  | $ | 144,625 |  | $ | 94,759 |  | $ | 273,290 |  | $ | 3,636
﻿Commercial real estate - owner occupied |  |  | 13,027 |  |  | 8,639 |  |  | 25,888 |  |  | 607
﻿Total commercial and industrial |  |  | 157,652 |  |  | 103,398 |  |  | 299,178 |  |  | 4,243
﻿Commercial real estate - income producing |  |  | 1,138 |  |  | 1,563 |  |  | 3,428 |  |  | 210
﻿Construction and land development |  |  | 100 |  |  | 21 |  |  | 121 |  |  | 1
﻿Residential mortgages |  |  | 2,058 |  |  | 1,818 |  |  | 4,421 |  |  | 444
﻿Consumer |  |  | 279 |  |  | 728 |  |  | 1,253 |  |  | 216
﻿Total loans |  | $ | 161,227 |  | $ | 107,528 |  | $ | 308,401 |  | $ | 5,114
﻿
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﻿ |  |  |  |  |  |  |  |  |  |  |  |
﻿ |  | December 31, 2017
﻿(in thousands) |  | Recorded Investment Without an Allowance |  | Recorded Investment With an Allowance |  | Unpaid Principal Balance |  | Related Allowance
﻿Commercial non-real estate |  | $ | 116,682 |  | $ | 151,199 |  | $ | 285,685 |  | $ | 16,129
﻿Commercial real estate - owner occupied |  |  | 16,927 |  |  | 4,564 |  |  | 24,829 |  |  | 793
﻿Total commercial and industrial |  |  | 133,609 |  |  | 155,763 |  |  | 310,514 |  |  | 16,922
﻿Commercial real estate - income producing |  |  | 5,101 |  |  | 10,429 |  |  | 15,687 |  |  | 1,326
﻿Construction and land development |  |  | 100 |  |  | 263 |  |  | 363 |  |  | 11
﻿Residential mortgages |  |  | 8,245 |  |  | 2,395 |  |  | 13,855 |  |  | 189
﻿Consumer |  |  | — |  |  | 1,292 |  |  | 1,294 |  |  | 118
﻿Total loans |  | $ | 147,055 |  | $ | 170,142 |  | $ | 341,713 |  | $ | 18,566
﻿ ﻿ The tables below present the average balances and interest income for total impaired loans for the years ended December 31, 2018 and 2017. Interest income recognized represents interest on accruing loans modified in a TDR. ﻿ ﻿
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﻿ |  |  |  |  |  |  |  |  |  |  |  |
﻿ |  | Years Ended
﻿ |  | December 31, 2018 |  | December 31, 2017
﻿(in thousands) |  | Average Recorded Investment |  | Interest Income Recognized |  | Average Recorded Investment |  | Interest Income Recognized
﻿Commercial non-real estate |  | $ | 286,146 |  | $ | 7,919 |  | $ | 255,710 |  | $ | 2,774
﻿Commercial real estate - owner occupied |  |  | 25,325 |  |  | 343 |  |  | 7,901 |  |  | 62
﻿Total commercial and industrial |  |  | 311,471 |  |  | 8,262 |  |  | 263,611 |  |  | 2,836
﻿Commercial real estate - income producing |  |  | 9,155 |  |  | 71 |  |  | 14,565 |  |  | 146
﻿Construction and land development |  |  | 145 |  |  | - |  |  | 1,018 |  |  | 2
﻿Residential mortgages |  |  | 5,598 |  |  | 18 |  |  | 5,784 |  |  | 18
﻿Consumer |  |  | 814 |  |  | 39 |  |  | 1,558 |  |  | 13
﻿Total loans |  | $ | 327,183 |  | $ | 8,390 |  | $ | 286,536 |  | $ | 3,015
﻿ Aging Analysis ﻿ The following table presents the age analysis of past due loans at December 31, 201 8 and 201 7. Purchased credit impaired loans with an accretable yield are considered to be current in the following delinquency table: ﻿ ﻿
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﻿December 31, 2018 |  | 30-59 Days Past Due |  | 60-89 Days Past Due |  | Greater Than 90 Days past due |  | Total Past Due |  | Current |  | Total Loans |  | Recorded Investment > 90 Days and Accruing
﻿(in thousands) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
﻿Commercial non-real estate |  | $ | 12,257 |  | $ | 3,895 |  | $ | 77,551 |  | $ | 93,703 |  | $ | 8,526,898 |  | $ | 8,620,601 |  | $ | 10,823
﻿Commercial real estate - owner occupied |  |  | 2,394 |  |  | 1,570 |  |  | 14,542 |  |  | 18,506 |  |  | 2,439,242 |  |  | 2,457,748 |  |  | 380
﻿Total commercial and industrial |  |  | 14,651 |  |  | 5,465 |  |  | 92,093 |  |  | 112,209 |  |  | 10,966,140 |  |  | 11,078,349 |  |  | 11,203
﻿Commercial real estate - income producing |  |  | 2,371 |  |  | 772 |  |  | 5,495 |  |  | 8,638 |  |  | 2,333,141 |  |  | 2,341,779 |  |  | 1,844
﻿Construction and land development |  |  | 7,397 |  |  | 1,129 |  |  | 2,165 |  |  | 10,691 |  |  | 1,537,644 |  |  | 1,548,335 |  |  | 644
﻿Residential mortgages |  |  | 32,869 |  |  | 14,706 |  |  | 23,175 |  |  | 70,750 |  |  | 2,839,331 |  |  | 2,910,081 |  |  | —
﻿Consumer |  |  | 20,402 |  |  | 4,695 |  |  | 9,665 |  |  | 34,762 |  |  | 2,113,105 |  |  | 2,147,867 |  |  | 618
﻿Total loans |  | $ | 77,690 |  | $ | 26,767 |  | $ | 132,593 |  | $ | 237,050 |  | $ | 19,789,361 |  | $ | 20,026,411 |  | $ | 14,309
﻿
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﻿ |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
﻿December 31, 2017 |  | 30-59 Days Past Due |  | 60-89 Days Past Due |  | Greater Than 90 Days Past Due |  | Total Past Due |  | Current |  | Total Loans |  | Recorded Investment > 90 Days and Accruing
﻿(in thousands) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
﻿Commercial non-real estate |  | $ | 62,766 |  | $ | 10,761 |  | $ | 92,982 |  | $ | 166,509 |  | $ | 8,131,428 |  | $ | 8,297,937 |  | $ | 21,989
﻿Commercial real estate - owner occupied |  |  | 8,493 |  |  | 648 |  |  | 15,517 |  |  | 24,658 |  |  | 2,117,781 |  |  | 2,142,439 |  |  | 2,032
﻿Total commercial and industrial |  |  | 71,259 |  |  | 11,409 |  |  | 108,499 |  |  | 191,167 |  |  | 10,249,209 |  |  | 10,440,376 |  |  | 24,021
﻿Commercial real estate - income producing |  |  | 5,315 |  |  | 2,165 |  |  | 6,081 |  |  | 13,561 |  |  | 2,371,038 |  |  | 2,384,599 |  |  | 489
﻿Construction and land development |  |  | 4,113 |  |  | 1,056 |  |  | 3,412 |  |  | 8,581 |  |  | 1,364,840 |  |  | 1,373,421 |  |  | 477
﻿Residential mortgages |  |  | 33,621 |  |  | 10,554 |  |  | 30,537 |  |  | 74,712 |  |  | 2,615,760 |  |  | 2,690,472 |  |  | 2,208
﻿Consumer |  |  | 22,959 |  |  | 7,816 |  |  | 8,553 |  |  | 39,328 |  |  | 2,075,967 |  |  | 2,115,295 |  |  | 571
﻿Total loans |  | $ | 137,267 |  | $ | 33,000 |  | $ | 157,082 |  | $ | 327,349 |  | $ | 18,676,814 |  | $ | 19,004,163 |  | $ | 27,766
﻿ Credit Quality Indicators ﻿ The following table presents the credit quality indicators of the Co mpany’s various classes of loans at December 31, 2018 and December 31, 2017. ﻿ ﻿
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﻿ |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
﻿ |  | December 31, 2018
﻿(in thousands) |  | Commercial Non-Real Estate |  | Commercial Real Estate - Owner Occupied |  | Total Commercial and Industrial |  | Commercial Real Estate - Income Producing |  | Construction and Land Development |  | Total Commercial
﻿Grade: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
﻿Pass |  | $ | 7,875,588 |  | $ | 2,274,211 |  | $ | 10,149,799 |  | $ | 2,265,087 |  | $ | 1,487,599 |  | $ | 13,902,485
﻿Pass-Watch |  |  | 260,510 |  |  | 84,271 |  |  | 344,781 |  |  | 46,535 |  |  | 49,099 |  |  | 440,415
﻿Special Mention |  |  | 75,752 |  |  | 23,149 |  |  | 98,901 |  |  | 5,510 |  |  | 816 |  |  | 105,227
﻿Substandard |  |  | 408,751 |  |  | 76,117 |  |  | 484,868 |  |  | 24,647 |  |  | 10,821 |  |  | 520,336
﻿Doubtful |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | —
﻿Total |  | $ | 8,620,601 |  | $ | 2,457,748 |  | $ | 11,078,349 |  | $ | 2,341,779 |  | $ | 1,548,335 |  | $ | 14,968,463
﻿ ﻿
﻿ |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
﻿ |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
﻿ |  | December 31, 2017
﻿(in thousands) |  | Commercial Non-Real Estate |  | Commercial Real Estate - Owner Occupied |  | Total Commercial and Industrial |  | Commercial Real Estate - Income Producing |  | Construction and Land Development |  | Total Commercial
﻿Grade: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
﻿Pass |  | $ | 7,190,604 |  | $ | 1,896,366 |  | $ | 9,086,970 |  | $ | 2,223,245 |  | $ | 1,291,638 |  | $ | 12,601,853
﻿Pass-Watch |  |  | 293,069 |  |  | 82,913 |  |  | 375,982 |  |  | 83,444 |  |  | 60,804 |  |  | 520,230
﻿Special Mention |  |  | 80,649 |  |  | 27,456 |  |  | 108,105 |  |  | 13,244 |  |  | 4,788 |  |  | 126,137
﻿Substandard |  |  | 733,558 |  |  | 135,704 |  |  | 869,262 |  |  | 64,658 |  |  | 16,191 |  |  | 950,111
﻿Doubtful |  |  | 57 |  |  | — |  |  | 57 |  |  | 8 |  |  | — |  |  | 65
﻿Total |  | $ | 8,297,937 |  | $ | 2,142,439 |  | $ | 10,440,376 |  | $ | 2,384,599 |  | $ | 1,373,421 |  | $ | 14,198,396
﻿ ﻿
﻿ |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
﻿ |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
﻿ |  | December 31, 2018 |  | December 31, 2017
﻿(in thousands) |  | Residential Mortgage |  | Consumer |  | Total |  | Residential Mortgage |  | Consumer |  | Total
﻿Performing |  | $ | 2,873,669 |  | $ | 2,130,395 |  | $ | 5,004,064 |  | $ | 2,647,784 |  | $ | 2,099,637 |  | $ | 4,747,421
﻿Nonperforming |  |  | 36,412 |  |  | 17,472 |  |  | 53,884 |  |  | 42,688 |  |  | 15,658 |  |  | 58,346
﻿Total |  | $ | 2,910,081 |  | $ | 2,147,867 |  | $ | 5,057,948 |  | $ | 2,690,472 |  | $ | 2,115,295 |  | $ | 4,805,767
﻿ Below are the definitions of the Company’s internally assigned grades: ﻿ Commercial:
| · |  | Pass - loans properly approved, documented, collateralized, and performing which do not reflect an abnormal credit risk.
| · |  | Pass - Watch - credits in this category are of sufficient risk to cause concern. This category is reserved for credits that display negative performance trends. The “Watch” grade should be regarded as a transition category.
| · |  | Special mention - a criticized asset category defined as having potential weaknesses that deserve management’s close attention. If left uncorrected, these potential weaknesses may, at some future date, result in the deterioration of the repayment prospects for the credit or the institution’s credit position. Special mention credits are not considered part of the Classified credit categories and do not expose an institution to sufficient risk to warrant adverse classification.
| · |  | Substandard - an asset that is inadequately protected by the current sound worth and paying capacity of the obligor or of the collateral ple dged, if any. Assets so classified must have a well-defined weakness or weaknesses that jeopardize the liquidation of the debt. They ar e characterized by the distinct possibility that the institution will sustain some loss if the deficiencies are not corrected.
| · |  | Doubtful - an asset that has all the weaknesses inherent in one classified Substandard with the added characteristic that the weaknesses make collection nor liquidation in full, on the basis of currently existing facts, conditions, and values, highly questionable and improbable.
| · |  | Loss - credits classified as Loss are considered uncollectable and are charged off promptly once so classified.
﻿ Residential and Consumer:
| · |  | Performing – accruing loans that have not been modified in a troubled debt restructuring.
| · |  | Nonperforming – loans for which there are good reasons to doubt tha t payments will be made in full. All loans with nonaccrual status and all loans that have been modified in a troubled debt restructuring are classified as nonperforming.
﻿ The Company assigns risk ratings at loan origination and reviews these ratings at minimum on annual basis, or at any point management becomes aware of information that may affect a borrower’s ability to service its debt. Credit Review uses a risk-focused continuous monitoring program that provides for an independent, objective and timely review of credit risk within the Company. ﻿ Purchased Credit Impaired Loans ﻿ Changes in the carrying amount of purchased credit impaired loans not individually evaluated for impairment and accretable yield are presented in the following table for the years ended December 31, 201 8 and 201 7: ﻿ ﻿
﻿ |  |  |  |  |  |  |  |  |  |  |  |
﻿ |  |  |  |  |  |  |  |  |  |  |  |
﻿ |  | 2018 |  | 2017
﻿ |  | Carrying |  |  |  |  | Carrying |  |  |
﻿ |  | Amount |  | Accretable |  | Amount |  | Accretable
﻿(in thousands) |  | of Loans |  | Yield |  | of Loans |  | Yield
﻿Balance at beginning of period |  | $ | 153,403 |  | $ | 62,517 |  | $ | 190,915 |  | $ | 113,686
﻿Additions |  |  | — |  |  | — |  |  | 15,000 |  |  | —
﻿Payments received, net |  |  | (39,556) |  |  | (5,779) |  |  | (69,591) |  |  | (7,412)
﻿Accretion |  |  | 15,749 |  |  | (15,749) |  |  | 17,079 |  |  | (17,079)
﻿Increase (decrease) in expected cash flows based on actual |  |  |  |  |  |  |  |  |  |  |  |
﻿cash flow and changes in cash flow assumptions |  |  | — |  |  | (3,695) |  |  | — |  |  | (30,379)
﻿Net transfers from nonaccretable difference |  |  |  |  |  |  |  |  |  |  |  |
﻿to accretable yield |  |  | — |  |  | — |  |  | — |  |  | 3,701
﻿Balance at end of period |  | $ | 129,596 |  | $ | 37,294 |  | $ | 153,403 |  | $ | 62,517
﻿ Certain of the Company’s purchased credit impaired loans were covered by a loss share agreement with the FDIC. The agreement was terminated by the Company during the third quarter of 2017. Prior to termination, the Company carried a receivable from the FDIC representing an indemnification asset arising from the agreement. The receivable was accounted for separately from the covered loans as the agreement was not contractually part of the loans and were not transferrable should the Company have disposed of the loans. ﻿ Residential Mortgage Loans in Process of Foreclosure ﻿ Loans in process of foreclosure include those for which formal foreclosure proceedings are in process according to local requirements of the applicable jurisdiction. Included in loans are $7.1 million and $7.5 million of consumer loans secured by single family residential mortgage real estate that are in process of foreclosure as of December 31, 201 8 and 201 7, respectively. In addition to the single family residential real estate loans in process of foreclosure, the Company also held $1.8 million and $3.4 million of foreclosed single family residential properties in other real estate owned as of December 31, 201 8 and 201 7, respectively. ﻿ Loans Held for Sale ﻿ Loans held for sale totaled $28.1 million and $39.9 million, respectively, at December 31, 201 8 and 201 7. Substantially all loans held for sale are residential mortgage loans originated on a best-efforts basis, whereby a commitment by a third party to purchase the loan has been received concurrent with the Bank’s commitment to the borrower to originate the loan.

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